In my opinion, the most promising project for decentralized financial markets is AAVE. As you all know, AAVE is an ERC-20 compatible token, with the addition of snapshot functionality (used when tracking the balance for the management model to work) and the EIP 2612 function, which allows gas-less transactions and transactions that require just one confirmation. Today, AAVE offers decentralized borrowing and lending on 25 different ERC-20 tokens, including DAI, USDC, USDT, GUSD and BUSD stablecoins. Flash Loans is a feature of the AAVE protocol originally intended for developers as it requires technical knowledge to use it.