The DeFi ecosystem boils down to 3 components: 
- Infrastructure: Focus on adoption, tools, openness, and performance.
- Services: Emphasize standards and ease of use.
- Apps: Prioritize user experience, value, and network effects.

Core principles:
- Decentralization + cost-effectiveness + security are foundational.
- Users > Communities.
- Services must cater to non-technical users, not just developers.
- Apps should enable novel possibilities beyond Web2.

While robust L1/L2 infrastructure exists, the services and apps layer—where accessibility and user experience matter most—remains underdeveloped. 

Factor bridges this gap by bringing powerful infrastructure to everyday users through intuitive, composable tools - no code, no hassle.

DeFi Your Way: Build Better, Earn Smarter.