🚨A Critical Challenge in the World of DeFi: How do we discover fair lending rates without intermediaries? 💥📣 NEW JBBA RESEARCH ALERT 📍 Decentralised finance lending faces unique challenges in determining fair interest rates without traditional intermediaries, often leading to inefficiencies from information asymmetry and liquidity risks. 🚀 This ground-breaking research from 🇫🇷 Université Paris Dauphine - PSL introduces a Novel Framework for rate discovery in decentralised finance (#DeFi) — a critical challenge in the emerging world of on-chain lending without intermediaries. ✍🏽 The authors Charlotte Eli and Professor Hervé Alexandre propose an auction-based mechanism that determines borrowing rates by integrating borrowers’ risk profiles with market liquidity conditions, removing the need for centralised oversight. ➡️ The Framework introduces: ✅ Fair and transparent interest rate formation in DeFi lending ✅ Alignment of incentives between borrowers and lenders ✅ Efficient, market-driven rate discovery using lending pools and smart contracts ✅ Informed participation and improved credit risk assessment ✅ Potential scalability of unsecured DeFi lending 🔍 Key finding: ➡️ By encouraging financial disclosure and transparent auction dynamics, DeFi lending platforms can achieve faster convergence to true market rates and greater stability — a vital step toward credible, decentralised credit markets. 🎤 Originally presented as an Abstract at the BBA's ISC2025, London:

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📍DeFi: Rate discovery in Decentralised Lending 🎤 Charlotte Eli of @Paris_Dauphine 🇫🇷presented her abstract at the BBA's 7th Blockchain...

📄 Now the Full paper has been published Open Access in The Journal of the British Blockchain Association (JBBA). 🔗 Read the paper here:

Rate Discovery in Decentralised Lending | Published in The Journal of The British Blockchain Association

By Charlotte Eli, Hervé Alexandre. This paper introduces a novel framework for rate discovery in decentralised finance, focusing on the unique cha...

✅ Indexed in DOAJ and Web of Science | Read by >2.7 million readers monthly:

Rate Discovery in Decentralised Lending – DOAJ

This paper introduces a novel framework for rate discovery in decentralised finance (DeFi), focusing on the unique challenges and opportunities wit...

JBBA Editor in Chief: Prof. Dr @Prof Naseem Naqvi MBE MBE FBBA ----

🌐 Stablecoins in The Commonwealth: 🏛️ Earlier today, our President Prof. Dr @Prof Naseem Naqvi MBE MBE FBBA participated in a Roundtable at Mansion House, London. The discussion explored the transformative potential of #Stablecoins across the 56 Commonwealth nations — home to 2.7 billion people, representing one in every three individuals on the planet. Commonwealth Enterprise and Investment Council (CWEIC) Foreign, Commonwealth and Development Office #Blockchain #Stablecoins #Commonwealth

📍Remember this researcher from Université Paris Dauphine - PSL who presented her abstract at the BBA’s #ISC2025 in London earlier this year? Her full paper is due to be published in The #JBBA soon! Stay tuned! #Blockchain #JBBA Charlotte Eli Hervé Alexandre

New JBBA citation from Science Policy Research Unit, University of Sussex Business School, UK: ➡️ Original JBBA Paper cited here: "Food Traceability on Blockchain: Walmart’s Pork and Mango Pilots with IBM" (JBBA, 2018):

Food Traceability on Blockchain: Walmart’s Pork and Mango Pilots with IBM | Published in The Journal of The British Blockchain Association

By Reshma Kamath. This study by the Blockchain Research Institute (BRI) highlights the key challenges of implementing Blockchain technology in the ...

➡️ The Author presented his work at the ISC2025 - and received his award from BBA President, Prof. Dr @Prof Naseem Naqvi MBE MBE FBBA:

#isc2025 #blockchain #crypto #web3 #un #impact | The British Blockchain Association | 12 comments

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📍Originally presented as an Abstract at the BBA's International Scientific Conference #ISC2025 - and subsequently published as a full paper in the #JBBA - the Centre for Evidence Based Blockchain (CEBB) has now designed a highlight infographic of this research, authored by Dino Cataldo Dell'Accio and Mirko Montuori. ➡️ The JBBA is the world's first and only blockchain research journal that helps its authors design easy-to-understand research infographics of their work, maximising the global impact, understanding, and reach of their published papers. 🏛️ BBA's Centre for Evidence Based Blockchain now has more than 500 researchers and industry leaders in 79 countries. 🌐 JBBA Editor in Chief: Prof. Dr @Prof Naseem Naqvi MBE MBE FBBA #Blockchain #Research United Nations United Nations Joint Staff Pension Fund (UNJSPF)

👏 Congratulations to Dr Müge Çetin of Özyeğin University Turkey on the acceptance of her Blockchain research abstract for presentation at the #ISC2026. 🏛️ BBA's Annual Blockchain International Scientific Conference #ISC2026 will be held in London, UK, on Friday 27 March 2026. 🎤🌐 Accepted abstracts are being invited to give a presentation at ISC2026, as well as being featured in the special conference Edition of The #JBBA, April 2026. 🚨Abstract Submission Deadline = *30 NOVEMBER* 2025. ➡️ Submit your abstract here:

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8th Blockchain International Scientific Conference ISC2026, London - BBA

BBA's 8th Blockchain International Scientific Conference ISC2025, London.

🎓 Conference Chair: Prof. Dr @Prof Naseem Naqvi MBE MBE FBBA #Blockchain #JBBA #Crypto #EvidenceBasedBlockchain

⛓️‍💥 You have heard of smart contracts. But what are "smarter" contracts? Research from Centre for Evidence Based Blockchain member, Rafał Prabucki.

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📍Why did Satoshi publish the Bitcoin White Paper on Halloween? 🎃👻 Because, maybe, he wanted to scare — and challenge — the status quo! On this day 17 years ago, Satoshi Nakamoto released the Bitcoin White Paper. Some say it wasn’t a coincidence that he chose Halloween — a symbolic moment to spook centralised finance with a vision of decentralised money. Seventeen years later, the ghost of that idea is still haunting and reshaping global finance. 👻💡 #Bitcoin #Blockchain #Decentralisation #History #Innovation