The sheer potential for crowd innovation enabled by the open source nature of the bulk of the DeFi codebase is yet another major factor fueling the explosive growth of the ‘money legos’. The aforementioned, calls for an obvious conclusion: today, we are in the very early stage of the process of formation of the new institutional landscape that, for the upcoming decades, will reshape the financial system as we know it today, turning it into something very different, something inclusive, free, and efficient.