![]() |
市场调查报告书
商品编码
1876727
DeFi(去中心化金融)市场预测至2032年:按组件、区块链类型、采用模式、应用、最终用户和地区分類的全球分析DeFi (Decentralized Finance) Market Forecasts to 2032 - Global Analysis By Component (Smart Contracts, Decentralized Applications (dApps), Protocols, Wallets, and Oracles), Blockchain Type, Deployment Mode, Application, End User and By Geography |
||||||
根据 Stratistics MRC 的一项研究,预计到 2025 年,全球 DeFi(去中心化金融)市场规模将达到 318.8 亿美元,到 2032 年将达到 7,073.5 亿美元,预测期内复合年增长率将达到 55.7%。
去中心化金融(DeFi)是一种基于区块链的金融系统,它摒弃了银行等传统中介机构。 DeFi透过去中心化网路上的智慧合约,实现包括借贷和交易在内的直接P2P交易。 DeFi提供透明度、安全性和用户自主权,使个人能够独立管理自己的资产。其目标是建立一个开放、便利、高效的金融基础设施,无需依赖中心化机构即可运作。
对金融普惠性和可近性的需求日益增长
那些银行帐户或银行服务不足的人群正越来越多地转向基于区块链的解决方案,以获取贷款、储蓄和保险服务。行动优先的介面和低进入门槛使得去中心化生态系统能够广泛应用。由于传统银行系统难以覆盖偏远和欠发达地区,DeFi 提供了可程式设计的替代方案,可以绕过传统的基础设施。数位钱包和稳定币的兴起进一步提升了交易的便利性和可负担性。这种转变正在促进一个更具包容性的金融环境,尤其是在新兴经济体。
安全漏洞
程式码执行和管治机制中的漏洞已导致多起备受瞩目的安全漏洞和资产损失。缺乏标准化的审核方法和法律规范加剧了使用者和开发者的风险。随着可组合性的提高,相互关联的通讯协定更容易出现级联故障。小规模计划往往缺乏进行严格测试和持续监控所需的资源。这些系统性缺陷会削弱使用者信任,并阻碍机构的采纳。
与传统金融(TradFi)的融合
银行和资产管理公司正在探索使用基于区块链的支付系统、代币化资产和去中心化借贷通讯协定。这种混合模式能够实现即时交易、提高透明度并可程式设计合规。监管沙盒和试验计画正在促进金融科技Start-Ups和传统金融机构之间的合作。机构託管解决方案和整合KYC的DeFi平台正在弥合信任鸿沟。随着传统金融(TradFi)拥抱去中心化基础设施,市场正处于主流扩张的边缘。
缺乏集中式避震器
由于缺乏集中式的风险缓解机制,DeFi 生态系极易受到系统性衝击的影响。市场波动、流动性危机和通讯协定故障都可能导致互联平台间迅速蔓延。与传统金融不同,DeFi 没有中央银行或监管机构在危机时期进行干预。自动清算引擎和演算法管治往往会在压力条件下加剧系统的不稳定性。闪电贷攻击和Oracle操纵进一步放大了系统的脆弱性。
疫情加速了数位化进程,用户寻求非接触式金融替代方案,导致去中心化金融(DeFi)平台的使用量激增。封锁和经济不确定性激发了人们对去中心化借贷、收益耕作和基于稳定币的汇款的兴趣。在传统金融机构面临营运瓶颈之际,DeFi 提供了不间断的跨国资本取得管道。这场危机凸显了区块链基础设施在全球动盪中的韧性。后疫情时代的策略强调金融体系的互通性、去中心化和使用者主权。
预计在预测期内,智能合约领域将占据最大的市场份额。
由于智能合约在金融交易自动化中发挥基础性作用,预计在预测期内,智能合约领域将占据最大的市场份额。这些自动执行的通讯协定支持在藉贷、交易和保险平台中进行无需信任的互动。它们的通用性为各种去中心化应用提供了支持,从流动性池到管治机制,无所不包。合约安全性和可扩展性的持续改进正在推动用户信任和采用。开发人员正在利用模组化框架来建构互通性、可升级的智慧合约系统。
预计在预测期内,开发者和Start-Ups领域将实现最高的复合年增长率。
在敏捷创新和不断扩展的生态系统的推动下,开发者和Start-Ups公司预计将在预测期内呈现最高的成长率。这些参与者正在开拓新的应用场景,从去中心化身分认同到跨链互通性,不一而足。开放原始码工具和社群资金筹措模式的普及降低了实验的门槛。Hackathon、培养箱和基于去中心化自治组织(DAO)的津贴正在促进快速原型製作和部署。Start-Ups也在与机构投资者建立策略合作伙伴关係,以扩大其解决方案的规模。
亚太地区预计将在预测期内保持最大的市场份额,这主要得益于其高行动普及率和加密货币的广泛应用。中国、印度和新加坡等国家在区块链开发和数位资产使用方面正经历强劲增长。政府主导的倡议和有利于金融科技的监管政策正在推动全部区域创新中心的形成。本地交易所和钱包提供者正在扩大零售和机构投资者获取去中心化金融(DeFi)服务的管道。该地区充满活力的开发团体正在为通讯协定改进和跨境合作做出贡献。
在预测期内,由于技术领先地位和创业投资流入,北美预计将呈现最高的复合年增长率。美国和加拿大是许多区块链Start-Ups、研究机构和监管智库的所在地。先进的框架和试验计画为合规的去中心化金融(DeFi)实验提供了支持。机构投资者正在增加对去中心化通讯协定和代币化资产的资本配置。人工智慧、数据分析和智慧合约审核工具的整合正在提昇平台的可信度。
According to Stratistics MRC, the Global DeFi (Decentralized Finance) Market is accounted for $31.88 billion in 2025 and is expected to reach $707.35 billion by 2032 growing at a CAGR of 55.7% during the forecast period. Decentralized Finance, is a blockchain-based financial system that eliminates traditional intermediaries like banks. It facilitates direct peer-to-peer transactions, including lending, borrowing, and trading, through smart contracts on decentralized networks. By providing transparency, security, and user autonomy, DeFi empowers individuals to manage their assets independently. Its goal is to establish an open, accessible, and efficient financial infrastructure that functions without reliance on centralized institutions.
Increasing demand for financial inclusivity and accessibility
Unbanked and underbanked populations are increasingly turning to blockchain-based solutions for access to lending, savings, and insurance. Mobile-first interfaces and low entry barriers are enabling broader participation in decentralized ecosystems. As traditional banking systems struggle to reach remote or underserved regions, DeFi offers programmable alternatives that bypass legacy infrastructure. The rise of digital wallets and stablecoins is further enhancing transactional ease and affordability. This shift is fostering a more inclusive financial landscape, especially in emerging economies.
Security vulnerabilities
Vulnerabilities in code execution and governance mechanisms have led to high-profile breaches and asset losses. The absence of standardized auditing practices and regulatory oversight compounds the risk for users and developers. As composability increases, interlinked protocols become more susceptible to cascading failures. Smaller projects often lack the resources for rigorous testing and continuous monitoring. These systemic weaknesses are undermining user trust and slowing institutional adoption.
Integration with traditional finance (TradFi)
Banks and asset managers are exploring blockchain-based settlement systems, tokenized assets, and decentralized lending protocols. This hybridization is enabling real-time transactions, enhanced transparency, and programmable compliance. Regulatory sandboxes and pilot programs are fostering collaboration between fintech startups and legacy players. Institutional-grade custody solutions and KYC-integrated DeFi platforms are bridging the trust gap. As TradFi embraces decentralized infrastructure, the market is poised for mainstream expansion.
Lack of centralized shock absorbers
The absence of centralized risk mitigation mechanisms makes DeFi ecosystems highly vulnerable to systemic shocks. Market volatility, liquidity crunches, and protocol failures can trigger rapid contagion across interconnected platforms. Unlike traditional finance, there are no central banks or regulatory bodies to intervene during crises. Automated liquidation engines and algorithmic governance often exacerbate instability under stress conditions. Flash loan attacks and oracle manipulation further amplify systemic fragility.
The pandemic accelerated digital adoption, prompting a surge in DeFi platform usage as users sought contactless financial alternatives. Lockdowns and economic uncertainty drove interest in decentralized lending, yield farming, and stablecoin-based remittances. Traditional financial institutions faced operational bottlenecks, while DeFi offered uninterrupted, borderless access to capital. The crisis also highlighted the resilience of blockchain infrastructure amid global disruptions. Post-pandemic strategies now emphasize interoperability, decentralization, and user sovereignty in financial systems.
The smart contracts segment is expected to be the largest during the forecast period
The smart contracts segment is expected to account for the largest market share during the forecast period, due to its foundational role in automating financial transactions. These self-executing protocols enable trustless interactions across lending, trading, and insurance platforms. Their versatility supports a wide range of decentralized applications, from liquidity pools to governance mechanisms. Continuous improvements in contract security and scalability are enhancing user confidence and adoption. Developers are leveraging modular frameworks to build interoperable and upgradeable smart contract systems.
The developers & startups segment is expected to have the highest CAGR during the forecast period
Over the forecast period, the developers & startups segment is predicted to witness the highest growth rate, driven by agile innovation and ecosystem expansion. These entities are pioneering new use cases, from decentralized identity to cross-chain interoperability. Access to open-source tools and community funding models is lowering entry barriers for experimentation. Hackathons, incubators, and DAO-based grants are fueling rapid prototyping and deployment. Startups are also forming strategic alliances with institutional players to scale their solutions.
During the forecast period, the Asia Pacific region is expected to hold the largest market share, supported by high mobile penetration and crypto adoption. Countries like China, India, and Singapore are witnessing robust growth in blockchain development and digital asset usage. Government-backed initiatives and fintech-friendly regulations are fostering innovation hubs across the region. Local exchanges and wallet providers are expanding access to DeFi services for retail and institutional users. The region's vibrant developer communities are contributing to protocol enhancements and cross-border collaborations.
Over the forecast period, the North America region is anticipated to exhibit the highest CAGR, driven by technological leadership and venture capital influx. The U.S. and Canada are home to major blockchain startups, research institutions, and regulatory think tanks. Progressive frameworks and pilot programs are enabling compliant DeFi experimentation. Institutional investors are increasingly allocating capital to decentralized protocols and tokenized assets. Integration of AI, data analytics, and smart contract auditing tools is enhancing platform reliability.
Key players in the market
Some of the key players in DeFi (Decentralized Finance) Market include Lido, Rocket Pool, Aave, 1inch, Uniswap, Chainlink, MakerDAO, Balancer, Compound, Synthetix, Curve Finance, Yearn Finance, PancakeSwap, Convex Finance, and SushiSwap.
In July 2025, Lido Advisors announced it will be partnering with Olympus Wealth Management, UT, which is part of the Salt Lake City metro area. With more than $850 million in RAUM*, Olympus is a fee-only fiduciary that specializes in helping high-net-worth and ultra-high-net-worth business owners and families position themselves for long-term success.
Note: Tables for North America, Europe, APAC, South America, and Middle East & Africa Regions are also represented in the same manner as above.