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What is DeFi? - Decentralised Finance Tutorial For Beginners - Decentralised Finance - SimplilearnIn blockchain, decentralization refers to the transfer of control and decision-making from a centralized entity (individual, organization, or group thereof). Decentralized finance (DeFi) is an emerging financial technology based on secure distributed ledgers similar to those used by cryptocurrencies. Crypto's complexity arises from attempts at decentralization�by distributing power and governance in the system, there is theoretically no need for trusted.