Unpopular opinion: DeFi governance has become the new TradFi committee structure we were supposed to escape

Think about it — when was the last time a major protocol added support for a new asset without weeks of debates, whale votes, and political maneuvering? I’ve been testing something that completely sidesteps this problem.

Tren Finance gave me early access to Malone, an AI agent with its own wallet that can evaluate and provide loans against virtually any on-chain asset in minutes. No governance votes, no human committees, no waiting.

Here’s what’s different: Malone has its own wallet and can provide loans against NFTs, vested tokens, LP positions from obscure DEXs — stuff no traditional protocol would touch. I can chat with it directly and actually negotiate terms in real time. It gets smarter with every interaction instead of being locked into rigid parameters.

The controversial part: This eliminates human bias completely. No more decisions based on which VCs hold the most tokens or political connections within the protocol. The AI makes loan decisions purely based on data and risk assessment.

Malone holds stablecoins in its wallet and is able to distribute them to users for loans — completely autonomously. Unlike traditional protocols that require established oracles and lengthy governance processes, this AI agent can assess risk and provide loans in real time through conversational interaction.

My question for the community: Is removing humans from DeFi decision making the next evolution — or are we giving up something essential?

https://blog.tren.finance/