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市場調査レポート
商品コード
1781191
分散型金融(DeFi)の世界市場、コンポーネント別、展開モード別、用途別、エンドユーザー別、地域別、機会、予測、2018年~2032年Global Decentralized Finance (DeFi) Market Assessment, By Component, By Deployment Mode, By Application, By End-user, By Region, Opportunities and Forecast, 2018-2032F |
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カスタマイズ可能
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分散型金融(DeFi)の世界市場、コンポーネント別、展開モード別、用途別、エンドユーザー別、地域別、機会、予測、2018年~2032年 |
出版日: 2025年08月01日
発行: Markets & Data
ページ情報: 英文 234 Pages
納期: 3~5営業日
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世界の分散型金融(DeFi)市場は、予測期間2025-2032年のCAGRが21.79%となり、2024年の334億9,000万米ドルから2032年には1,621億1,000万米ドルに成長すると予測されます。世界の分散型金融(DeFi)市場が急成長を遂げているのは、DeFiが中央集権的な機関を介さずに金融サービスを提供できるためです。ブロックチェーン技術を利用することで、DeFiプラットフォームは銀行やブローカーなどの仲介者を排除し、個人が互いに独立して貸し借り、投資、取引などを行うことができます。分散型金融は、伝統的な金融で金融サービスを受ける際の手数料を節約するだけでなく、世界中の何十億ものユーザー、特に伝統的な銀行システムや金融サービスがない地域の金融アクセス可能範囲を拡大します。
DeFiの主な特徴は、オープンアクセスであることです。インターネットに接続できるユーザーであれば誰でも、中央集権的な当局の許可を必要とせずに金融活動を行うことができます。透明性、スマートコントラクトによる自動化、摩擦の低減を通じて、DeFiは大衆の支持を得ています。DeFiは機関投資家やファミリーオフィスにとって有益なだけでなく、リテールユーザー、特に金融資産の分散管理を求めるデジタルネイティブな投資家やコミュニティにとっても魅力的です。
典型的なユーザーシナリオにとどまらず、DeFiはデジタルエコシステムにも採用されています。ブロックチェーンゲーム、NFT、仮想経済がより顕著になるにつれ、DeFiトークンはゲーム内での購入やデジタル資産の取引など、その使い勝手を拡大してきました。Axie InfinityやDecentralandのような有名なプラットフォームは、金融経済がゲームに文脈化されていることを実証しています。
例えば、2024年5月、主要なDeFiプラットフォームであるAave Labsは、クロスチェーン機能と更新されたガバナンスを導入したAave V4プロトコルをリリースしました。このアップグレードの目的は、透明性と分散化を維持しながらユーザーエクスペリエンスを向上させることであり、このスペースが成熟しつつあり、責任ある開発を通じて拡張能力が高まっていることを強調しています。
すべてのセグメントは、対象となるすべての地域と国に提供されます。
上記の企業は市場シェアに応じて注文を保留するものではなく、調査作業中に入手可能な情報に応じて変更される可能性があります。
Global decentralized finance (DeFi) market is projected to witness a CAGR of 21.79% during the forecast period 2025-2032, growing from USD 33.49 billion in 2024 to USD 162.11 billion in 2032. The global decentralized finance (DeFi) market is experiencing rapid growth because DeFi can provide financial services without centralized institutions. By using blockchain technology, DeFi platforms can remove intermediaries such as banks and brokers and allow individuals to lend, borrow, invest, transact, etc., independently of one another. Decentralized finance not only saves individuals money in fees related to obtaining financial services in traditional finance but increases the scope of financial accessibility for billions of users around the world, most notably in regions that lack traditional banking systems or financial services.
A key distinguishing feature of DeFi is its open access. Any user with an internet connection can conduct financial activities without requiring permission from centralized authorities. Through transparency, automation enabled by smart contracts, and reduced friction, DeFi has gained traction among the masses because, more than ever, there are few entry barriers, and often little to no transactional fees. DeFi has not only been beneficial for institutional and family offices, but DeFi is appealing even to retail users, particularly digital-native investors and communities demanding decentralized control of their financial assets.
Beyond typical user scenarios, DeFi is also employed in digital ecosystems. As blockchain gaming, NFTs, and virtual economies become more prominent, DeFi tokens have expanded its usability, typically with in-game purchases or trading of digital assets. Well-known platforms such as Axie Infinity and Decentraland are demonstrating occasions where financial economics are contextualized into gaming.
For instance, in May 2024, the leading DeFi platform Aave Labs released its Aave V4 protocol, which introduces cross-chain capability and updated governance. The purpose of this upgrade is to enhance the user experience while upholding transparency and decentralization, highlighting the space growing maturity and its increasing capacity to scale through responsible development.
Rapid Development of Blockchain Technology and Smart Contracts
The rapid development of blockchain technology and smart contracts is a major driver behind the growth of the decentralized finance (DeFi) market. Blockchain offers a secure, transparent, and immutable infrastructure that removes the need for traditional financial intermediaries. Smart contracts, which are self-executing programs running on blockchains, enable complex financial transactions to be automated with minimal human intervention. This innovation allows DeFi platforms to offer services such as lending, borrowing, trading, and yield farming in a trustless and efficient manner. As blockchain networks continue to evolve, improving scalability, interoperability, and security, DeFi applications are becoming more accessible and reliable. These advancements reduce transaction costs, increase financial inclusion, and support the creation of decentralized applications across diverse sectors.
For instance, Aave, a leading DeFi protocol built on Ethereum, uses smart contracts to allow users to lend and borrow crypto assets without intermediaries, demonstrating the transformative potential of this technology in real-world financial services. In another instance, in January 2025, Uniswap Labs launched its V4 protocol across 12 blockchains, introducing 'hooks'-modular smart contracts that allow custom logic in liquidity pools. This upgrade enhances flexibility, efficiency, and scalability, marking a key step in DeFi's infrastructure evolution.
Increasing Demand for Financial Inclusion and Open Access
Globally, decentralized finance (DeFi) is becoming more popular to facilitate financial inclusion and improved access to financial services. In particular, a large portion of the world, especially in developing regions, large segments of the population remain underbanked or entirely excluded from formal financial systems. Traditional banking systems also have barriers to entry as well, including high fees, minimum balances, limited physical branches, and complicated documentation.
DeFi platforms are built on blockchain and allow users to lend, borrow, save and invest without being in the middle of conventional financial institutions. These platforms are open and accessible to anyone with internet access and are open 24/7. DeFi allows users to engage in peer-to-peer exchanges by eliminating the need for a middleman. When it is instead a more affordable way to access financial services. This open access model is particularly impactful for individuals and small businesses in emerging markets, where mobile technology adoption is high, but the banking infrastructure is limited.
For example, in May 2025, Nigeria-based Xend Finance partnered with Rise Vest Technologies Limited to launch a tokenized investment platform, allowing users in Africa to invest in U.S. assets using stablecoins like USDT and USDC, with entry points as low as USD 5, advancing DeFi-driven financial inclusion in emerging markets.
The Lending and Borrowing Application Segment is Expected to Witness Potential Growth
Lending and borrowing protocols are the most mature and widely adopted applications within the decentralized finance (DeFi) sector. These protocols allow users to deposit digital assets as collateral and obtain loans, or to lend their holdings and earn passive income-without the ability to use banks or traditional credit intermediaries. The system is instantiated in smart contracts, which automate terms and settlement, we allow built-in efficiency and to diminish operational risk.
The added reliance on these types of protocols will continue to grow, as retail users and institutions look for alternative access to capital and yield. And with innovations like cross-chain liquidity, variable interest rates, and restaking, the utilities provided by DeFi lending protocols have evolved into broader services rather than simple peer-to-peer loans. And with the overall trend of tokenization of real-world assets (RWAs) and the entrance of regulated entities into the ecosystem, we see lending and borrowing gradually remain relevant.
For instance, In June 2025, Maple Finance partnered with EtherFi to enable weETH (restaked ETH) to be used as collateral for institutional on-chain lending. The program offers USDC loans with a 2% ETHFI rebate on the first USD 50 million borrowed, targeting institutional borrowers with a minimum loan size of USD 5 million and two-month maturity. This collaboration highlights growing capital efficiency and the continued legitimization of DeFi in institutional finance.
North America Dominates the Global Decentralized Finance (DeFi) Market
North America is the dominant region of the evolving decentralized finance (DeFi) marketplace, driven primarily by robust fintech infrastructure, elevated rates of blockchain adoption, and higher levels of institutional participation. The region also features some of the largest DeFi platforms, venture capital commitments, as well as regulatory frameworks that are helping construct the future of decentralized finance. Companies and the financial institutions based in the U.S. are leading the way in driving traditional finance together with decentralization; they are driving the growth of the DeFi ecosystem into the mainstream market. Central to North America's success is the growing involvement of regulated financial entities and payment providers in blockchain financial products. These institutions are lending credibility to blockchain-based financial services in terms of potential longevity which in turn bolsters DeFi services into global finance.
For instance, in June 2025, U.S.-based fintech company PayPal, Inc. announced plans to expand its stablecoin PYUSD to Stellar pending approval from the New York State Department of Financial Services (NYDFS). This move continues North America's leadership in creating regulated DeFi infrastructure, building a bridge from traditional payments to decentralized protocols, and increasing access to micro-financing and cross-border transactions.
Key Players Landscape and Outlook
The entire decentralized finance (DeFi) market is backed by an innovative and fluid group of contributors, including protocol developers, DAO-run platforms, infrastructure providers, and institutions. The core contributors, as I've called them, have been all the contributors driving innovation across different verticals including lending, DEXs, derivatives, stablecoins, and asset management alongside security, governance, and scaling - which take time to adopt on a large scale. Just look at the evolution of organizations like Uniswap Labs, Aave, Compound Labs, MakerDAO, and Curve DAO, who are collectively driving continued protocol upgrades, cross-chain integrations, and DAO-managed governance to revolutionize trade and finance. Likewise, other organizations have played vital roles to further extend the ecosystem within Layer-2 and multichain, including PancakeSwap, dYdX, SushiSwap, and Balancer Labs. It should also be noted the emergence and convergence of institutional participation and decentralized infrastructure with large enterprise-grade partners, such as Fireblocks, the comprehensive treasury infrastructure platform that now supports some or all of all these protocols supported their evolution, Chainlink that provides services for all these platforms, or QuickNode providing access to layer-2 solutions. Considering many of the significant platforms have embraced modular architecture, restaking, and security-focused solutions, it's a great time to be working and investing in DeFi. This is evidenced by more of the most recent partnerships, including Maple Finance pursuing EtherFi as an institutional lending partner and Uniswap working with the Optimism Superchain to launch Unichain and push the limits of scalability on-chain. Some DeFi markets have undergone shifts earlier than we have anticipated, especially once regulatory clarity evolves further in our new days of regulation and emerging new real-world assets (RWAs) on-chain. I expect a more competitive environment again sooner rather than later, where we can see the DeFi protocols move far beyond their traditional ways of delivering value to users.
For instance, in April 2025, Aave Labs partnered with Ether.Fi SEZC to support the launch of ether.fi Cash, a credit card program offering on-chain consumer credit backed by staked ETH. The initiative integrates with Aave's upcoming Layer-2 lending market and offers 3% cashback, marking a step toward real-world DeFi adoption.
All segments will be provided for all regions and countries covered
Companies mentioned above DO NOT hold any order as per market share and can be changed as per information available during research work.