In this talk, we’ll explore how fintechs can integrate with DeFi on the backend. While fintechs own the distribution, they don’t own the infrastructure. By leveraging DeFi, they can build on open rails and gain end-to-end ownership - with easier integrations, greater efficiency, and full transparency. Over time, DeFi has the potential to become the global backend for both finance and fintech, driving global efficiency through a unified infrastructure for lending, borrowing, and truly open, competitive markets.