@misc{xu2021from,
  title={From banks to DeFi: the evolution of the lending market},
  author={Jiahua Xu and Nikhil Vadgama},
  year={2021},
  eprint={2104.00970},
  archivePrefix={arXiv},
  primaryClass={cs.CY},
  doi={10.1007/978-3-030-78184-2_6},
  url={https://arxiv.org/abs/2104.00970}
}