Sometimes things are clear, and to both Camila Russo (The Defiant newsletter) and David Hoffman (Crypto POV podcast), it couldn’t be clearer that the essential narrative of 2019 was the rise of DeFi as a market force. In individual interviews as part of The Breakdown’s end of year coverage, each makes a 2020 DeFi prediction. For David, it’s about increased attention on the space and the power of composability, while for Camila, it’s a bet that we’ll start to see the first under-collateralized DeFi