FINAL Finance is a decentralized platform that integrates auction, sales and shopping functions, and has a DeFI ecosystem. FINAL Finance is also a decentralized DeFi protocol that combines spot trading services and money markets with lending services through smart contracts. In the currency market, interest rates and collateral ratios are based on market forces such as supply and demand, and borrowing limits are determined by the liquidity of trading pairs. The smart contract that integrates the two functions in the protocol allows the two functions of transaction & DeFi to coexist in the same protocol. This solves the liquidity and liquidation issues that have been limiting the development of DeFi applications to the wider market.