Since the global currency is USD, the DeFi industry is not a distinction too, and the USD denominated products dominate the market. If the client invests other than USD currency, he/she faces currency rate risk, especially when the target period for investment is more than a couple of months. For example, if Emilia from Italy invested 1000 EUR into DeFi in February 2020 and earned 8% (in USD) interest rate, her net return in EUR would be even negative because the USD/EUR rate has declined more than 9% during the same period. For retail investors, also considering such a small amount, it is not easy to hedge currency rate risks. Bitlocus will tackle this problem by the use of financial derivatives to minimize or eliminate the impact of currency rate changes.