On this week's DeFi Decoded, Andrew Young is joined by Hart Lambur, the co-founder of UMA, a decentralized financial contracts platform built to enable Universal Market Access. Hart studied computer science before working as an interest rate trader at Goldman Sachs through the financial crisis. In 2013 he co-founded Openfolio, a personal finance tracking platform that was acquired in 2017 by a financial planning firm. He now leads a team of financial contract and oracle design researchers at UMA. Andrew and Hart discuss the founding origins of UMA and its mission, looking at both the core UMA protocol and UMA's so-called optimistic oracle design. They also dive deep into the DeFi ecosystem, getting Hart's predictions on what the next big DeFi narratives will be in 2022. They analyze and discuss the ongoing L1 wars and share their thoughts on how the application and blockchain space will develop in the future.