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 "@id": "https://wulfkaal.github.io/positions/2026-07-31-6060",
 "identifier": "kaal:position:2026-07-31-6060",
 "additionalType": "https://wulfkaal.github.io/positions/schema.json#AffirmedPositionClaim",
 "name": "Streaming Do We Still Need Financial Intermediation The Case Of Decentralized Fina 713F2E1Fd3",
 "text": "Do we still need financial intermediation? The case of decentralized finance – DeFi presents the following source proposition: Design/methodology/approach The authors based their work on a twofold qualitative methodology, first analysing publicly available secondary data, particularly from white papers and DeFi Pulse (a website providing data on DeFi solutions) and then running two focus group discussions. This proposition is pertinent to Kaal's source-bound claim that Centralized financial technology does not complete the disintermediation it promises, because users still deal with a technology company as intermediary instead of a financial institution, which leaves room for the decentralized solutions DeFi attempts to provide. The proposed response is an extension: the relationship should remain limited to the retrieved source proposition and the mapped Kaal claim unless fuller source review supports a broader conclusion.",
 "author": {
  "@type": "Person",
  "name": "Wulf A. Kaal",
  "identifier": "https://orcid.org/0009-0008-7840-1847"
 },
 "datePublished": "2026-07-31",
 "dateModified": "2026-07-31",
 "creativeWorkStatus": "Affirmed",
 "responseType": "extension",
 "keywords": [
  "decentralization",
  "defi",
  "economics",
  "historical-response",
  "scholarly-literature",
  "openalex"
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 "scope_conditions": [
  "The response is limited to the retrieved source proposition and mapped Kaal claim unless fuller source review supports a broader conclusion.",
  "External evidence level: abstract indexed.",
  "Mapping review tier: moderate-confidence claim review.",
  "Primary mapping confidence: 0.3782.",
  "The source-to-claim mapping remains explicitly ambiguous and is published with that limitation."
 ],
 "currentDebate": {
  "name": "Do we still need financial intermediation? The case of decentralized finance – DeFi",
  "url": "https://doi.org/10.1108/qram-03-2021-0051"
 },
 "extends": {
  "identifier": "kaal:claim:3606663-026",
  "url": "https://wulfkaal.github.io/claims/3606663-026",
  "citation": "Kaal, Digital Asset Market Evolution (2020). SSRN: https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3606663",
  "paper": "Kaal, Digital Asset Market Evolution",
  "authors": [
   "Wulf A. Kaal"
  ],
  "year": "2020",
  "ssrn": null,
  "source_pdf_sha256": "d1d4a15a293b715bb6a5a32e689f59c3a1587915039ba9a1cf4eeb8ee2a1e57c"
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 "isBasedOn": [
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   "@id": "https://wulfkaal.github.io/claims/3606663-026"
  },
  {
   "@type": "CreativeWork",
   "name": "Do we still need financial intermediation? The case of decentralized finance – DeFi",
   "url": "https://doi.org/10.1108/qram-03-2021-0051"
  }
 ],
 "batch_id": "kaal-review:2026-07-31:streaming-etl-0003",
 "review_provenance": "https://kaal-signal-desk.wulf577462.chatgpt.site/#review",
 "publicationStatus": "public",
 "recordTypeNote": "Dated commentary position extending a scholarly corpus claim. Not a verbatim claim extracted from the paper.",
 "isPartOf": {
  "@id": "https://wulfkaal.github.io/positions/index.json"
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 "version": "1.0",
 "canonical_url": "https://wulfkaal.github.io/positions/2026-07-31-6060",
 "canonicalForm": "https://wulfkaal.github.io/positions/2026-07-31-6060.md",
 "candidateId": "kaal:response-draft:2026-07-31:5c2ee8c9161e4ab677df",
 "evidenceLevel": "abstract indexed",
 "reviewTier": "moderate-confidence claim review",
 "mappingConfidence": 0.3782,
 "mappingAmbiguous": true,
 "mappingMethod": "idf-weighted multi-field mapping v1",
 "mappingWhyRelevant": "Shared high-information concepts: still, financial, decentralized, defi, papers, solutions, intermediary, decentralization. Scope: centralized FinTech platforms; peer to peer transaction settings.",
 "sourceProvenance": {
  "source": "openalex",
  "sourceRecordId": "https://openalex.org/W4210982436",
  "queryId": "concept:ee778ad15ea3",
  "queryText": "decentralized autonomous organization",
  "canonicalUrl": "https://doi.org/10.1108/qram-03-2021-0051",
  "doi": "10.1108/qram-03-2021-0051",
  "externalIds": {
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   "DOI": "10.1108/qram-03-2021-0051"
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  "retrievedAt": "2026-07-31T17:52:10.435Z",
  "providerPage": 8,
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  "workId": "work:doi:10.1108/qram-03-2021-0051",
  "workAuthors": [
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   "Davide Lanfranchi",
   "Alessandro Faes",
   "Filippo Renga"
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  "workPublishedAt": "2022-02-10",
  "identityKeys": [
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   "openalex:https://openalex.org/w4210982436",
   "url:https://doi.org/10.1108/qram-03-2021-0051",
   "title:0fcf37cffe526842e8605ee7",
   "proposition:99df5864f1cccb51afee26a52f637eac83df519a8d8af10e8b9163a3e3e8fa7e"
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  "sourceProposition": "Design/methodology/approach The authors based their work on a twofold qualitative methodology, first analysing publicly available secondary data, particularly from white papers and DeFi Pulse (a website providing data on DeFi solutions) and then running two focus group discussions.",
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    "claimUrl": "https://wulfkaal.github.io/claims/3606663-026",
    "rank": 1,
    "confidence": 0.3782,
    "method": "idf-weighted multi-field mapping v1",
    "whyRelevant": "Shared high-information concepts: still, financial, decentralized, defi, papers, solutions, intermediary, decentralization. Scope: centralized FinTech platforms; peer to peer transaction settings.",
    "ambiguous": true
   },
   {
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    "confidence": 0.336,
    "method": "idf-weighted multi-field mapping v1",
    "whyRelevant": "Shared high-information concepts: financial, intermediation, defi, papers, decentralization, economics, market, fintech. Scope: comparison of DeFi with legacy financial intermediation and FinTech.",
    "ambiguous": true
   },
   {
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    "confidence": 0.2981,
    "method": "idf-weighted multi-field mapping v1",
    "whyRelevant": "Shared high-information concepts: still, financial, defi, particularly, papers, economics, business. Scope: review source claim scope.",
    "ambiguous": true
   },
   {
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    "confidence": 0.2969,
    "method": "idf-weighted multi-field mapping v1",
    "whyRelevant": "Shared high-information concepts: still, defi, publicly, papers, decentralization, market, digital. Scope: publicly funded DeFi projects; beginning of the 2020s.",
    "ambiguous": true
   },
   {
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    "confidence": 0.2911,
    "method": "idf-weighted multi-field mapping v1",
    "whyRelevant": "Shared high-information concepts: still, decentralized, finance, defi, design, decentralization, economics, market. Scope: digital asset markets at the beginning of the 2020s.",
    "ambiguous": true
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 "userAffirmation": "I affirm batch kaal-review:2026-07-31:streaming-etl-0003, SHA-256 8afd77518bf3e6dff3e21ea20524a254cd29e7e4678a80362a24c26c8dc039e2, as written and authorize publication of all 250 response claims on my canonical property, preserving their evidence levels, ambiguity labels, provenance, and the unchanged 5,033 scholarly claims.",
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}