KURNIAWAN, I. G. W. A.; SUDIARTA, M.; WAHYUNI, L. M.; SUMAWIDARI, I. A. K.; KASIANI, K.; BERNADETHA, M.; ZULFAN, M.; SINAGA, F. The rise of decentralized finance (DeFi): Opportunities for disruption in traditional financial models. Journal of Education, Social & Communication Studies, Badung, Bali INDONESIA, v. 2, n. 2, p. 128–136, 2025. DOI: 10.71028/jescs.v2i2.15. Disponível em: https://ojs.ptmjb.com/index.php/JESCS/article/view/15. Acesso em: 14 dec. 2025.