Decentralized finance, or Defi, is an overarching word for a multitude of public blockchain apps and initiatives aimed at disrupting the existing finance world. Defi refers to financial apps developed on blockchain technologies, generally employing smart contracts, and is influenced by blockchain technology. Smart contracts are enforceable pacts that are streamlined and can be obtained by anyone with an internet connection. They do not require any middlemen to perform and can be retrieved and anyone with an internet connection. MLM, or multi-level marketing, is an enduring industry that has existed for decades and will continue to exist for generations to come since we are fully aware of Defi advancements and people's demand for it.