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Rio DeFi is creating technological infrastructure for a new decentralized financial system powered by blockchains and smart contracts. At the heart of this technology stack is Rio Chain, which supports an ecosystem of decentralized financial applications. It is an adaptive digital platform tailored for mass scale adoption. The current limitations of distributed ledger technologies are well known: slow speeds, low transaction throughput, lack of user friendliness, and incompatibility with existing systems. These shortcomings are mostly the result of a misalignment between existing platforms' capabilities and traditional industries' requirements.