> For the complete documentation index, see [llms.txt](https://docs.asterion.finance/whitepaper/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.asterion.finance/whitepaper/introduction/problem.md).

# Problem

The current landscape for decentralized finance (DeFi) adoption have several key challenges:

<details>

<summary><strong>Lack of Intrinsic Value</strong></summary>

Today's cryptocurrencies are often created from thin air and lack real or intrinsic value. Existing cryptocurrencies appear as abstract concepts and are mostly not backed by real physical assets or trusted collateral, making their value volatile.

</details>

<details>

<summary><strong>Not Solving Real Problem</strong></summary>

Most existing cryptocurrencies only solve digital problems and do not directly impact real people who are not digitally native. We need cryptocurrencies that inclusive and can be used for real daily life transactions. It has not made much impact in real world adoption use-case.

</details>

<details>

<summary><strong>Limited Accessibility</strong></summary>

Cryptocurrencies and dApps often have regulatory restrictions that must be complied with in many country regulatory, sacrificing privacy.&#x20;

This factor can make people less interested in using DeFi dApps if it means sacrificing their anonymity and privacy.

</details>

<details>

<summary><strong>High Learning Curve</strong></summary>

Many DeFi dApps have very high learning curves, complex interfaces, and excessive technical jargon, making them difficult for non-crypto users to navigate.&#x20;

This is a significant obstacle before the web3 industry can achieve broader market adoption. Currently, users often need to withdraw funds to a centralized exchange, convert them into stablecoins, before they can use them for real daily transactions.

</details>

<details>

<summary><strong>Ownership and Legal Challenges</strong>:</summary>

Owning assets often have a significant challenges, requiring substantial capital and navigating complex procedures.&#x20;

A solution is urgently needed to streamline this process and make property ownership more accessible and affordable for everyone.

</details>