With DeFi's user base still growing, what will be the negative impact on the network from the popularity of Ethereum DeFi? NEAR Protocol Co-Founder IIIia gave a keynote speech entitled " DeFi Expansion: Sharding, Interoperability and Off-Chain " The DeFi expansion will first need to extend the financial instruments themselves in terms of fragmentation, interoperability and lower chain, according to IIIia.