We discuss numerous justifications for why crypto-currencies would be highly conducive for the smooth functioning of today's society. We provide several comparisons between cryptocurrencies issued by blockchain projects, crypto, and conventional government issued currencies, cash or fiat. We summarize seven fundamental innovations that would be required for participants to have greater confidence in decentralized finance (DeFi) and to obtain wealth appreciation coupled with better risk management. The conceptual ideas we discuss outline an approach to: 1) Strengthened Security Blueprint; 2) Rebalancing and Trade Execution Suited for Blockchain Nuances 3) Volatility and Variance Adjusted Weight Calculation 4) Accommodating Investor Preferences and Risk Parity Construction; 5) Profit Sharing and Investor Protection; 6) Concentration Risk Indicator and Performance Metrics; 7) Multi-chain expansion and Select Strategic Initiatives including the notion of a Decentralized Autonomous Organization (DAO). Incorporating these concepts into several projects would also facilitate the growth of the overall blockchain eco-system so that this technology can, have wider mainstream adoption and, fulfill its potential in transforming all aspects of human interactions.

翻译：本文论述了加密货币何以高度契合当代社会顺畅运行的诸多理据。我们将区块链项目发行的加密货币与传统政府发行的现金或法币进行了多维比较，系统归纳了参与者若要增强去中心化金融（DeFi）信心、实现财富增值与风险管控优化所必需的七大基础创新。文中提出的概念性方案勾勒出以下实施路径：1）强化安全架构蓝图；2）适配区块链特性的再平衡与交易执行机制；3）波动性与方差调整的权重计算模型；4）融合投资者偏好与风险平价的组合构建策略；5）利润共享与投资者保护体系；6）集中度风险指标与绩效评估体系；7）多链扩展及包含去中心化自治组织（DAO）理念的战略举措。将上述概念融入具体项目将有效推动区块链生态系统整体发展，促使该技术实现更广泛的主流应用，并充分发挥其在重塑人类交互方式各层面的潜力。