BIS Says DeFi Could Bring Next Generation to Finance Market
The Bank for International Settlements (BIS) believes Decentralized Finance (DeFi) has the potential to revolutionize the financial industry, potentially bringing a new generation to the finance market. While not endorsing the widespread adoption of DeFi wholesale, the BIS acknowledges that certain elements could underpin the next wave of financial market infrastructure.
According to the BIS, "These protocols could be used by the next generation of financial market infrastructures facilitating cross-border trading and settlement between financial institutions." This sentiment was shared in relation to Project Mariana, the latest initiative from the BIS Innovation Hub.
Project Mariana: Exploring DeFi for Forex
Launched in collaboration with the central banks of France, Singapore, and Switzerland, Project Mariana explores the use of DeFi protocols to automate foreign exchange (forex) markets and settlement. This innovative project demonstrates how automated market makers can become the basis for a new generation of financial tools.
The BIS envisions that elements of DeFi could be leveraged to create more efficient and streamlined financial systems. Project Mariana will use DeFi protocols to automate foreign exchange markets and settlement.
DeFi: A New Financial Paradigm?
Decentralized Finance (DeFi) is a new financial paradigm that leverages distributed ledger technologies to offer services such as lending, investing, or exchanging. Cryptocurrencies and decentralised finance (DeFi) aim to replicate many of the economic functions of traditional finance (TradFi), but their distinctive features introduce both opportunities and challenges. The BIS is actively exploring these opportunities and challenges through initiatives like Project Mariana.
As of 28 de sept. de 2025, the Bank for International Settlements (BIS) has reiterated its interest in exploring how components of DeFi could modernize cross-border financial infrastructure. 28 de sept. de 2025 The Bank for International Settlements (BIS) said elements of DeFi could underpin the next wave of financial market infrastructure.