AI, Innovation, and Resilience for the Environment Journal
Vol. 1 No. 1 (2026): AI, Innovation, and Resilience for the Environment (AIR) Journal

Decentralized Finance (DeFi) for Enterprise Treasury Management

Untung Rahardja (Universiti Teknologi Malaysia)
Asep Sutarman (University of Muhammadiyah Prof. Dr. HAMKA)
Muhtarom Muhtarom (University of Terbuka)
Berlin Any (Eduaward Incorporation)



Article Info

Publish Date
16 Mar 2026

Abstract

This study explores the potential of Decentralized Finance (DeFi) as an innovative approach to enterprise treasury management. The Background of this research is rooted in the growing limitations of traditional treasury systems, which are often constrained by centralized control, limited transparency, high transaction costs, and slow settlement processes. The Object of this paper is to analyze how DeFi mechanisms, including smart contracts, decentralized lending, stablecoins, and blockchain-based liquidity management, can be adopted to improve efficiency, transparency, and financial resilience in corporate treasury operations. The Method employed in this study is a qualitative research approach, combining a systematic literature review, conceptual framework analysis, and case-based evaluation of existing DeFi platforms relevant to enterprise financial management. The Result of the analysis indicates that DeFi offers significant advantages for enterprise treasuries, such as real-time settlement, enhanced auditability, reduced reliance on intermediaries, improved liquidity optimization, and greater flexibility in cross-border transactions. However, the findings also highlight critical challenges, including regulatory uncertainty, smart contract risks, cybersecurity threats, and integration issues with existing enterprise systems. The Conclusion of this research emphasizes that while DeFi is not yet a complete replacement for traditional treasury management frameworks, it represents a promising complementary solution. With appropriate governance structures, regulatory clarity, and risk mitigation strategies, DeFi has the potential to transform enterprise treasury management into a more efficient, transparent, and decentralized financial ecosystem.

Copyrights © 2026






Journal Info

Abbrev

air

Publisher

Subject

Description

The atmosphere is the most fluid and universal of all planetary systems, transcending borders and connecting every living organism. In this spirit of essentiality and purity, AI, Innovation, and Resilience for the Environment (AIR) Journal is established as a premier international forum. By ...