> For the complete documentation index, see [llms.txt](https://ifichi.gitbook.io/ifichi/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://ifichi.gitbook.io/ifichi/what-is-ifichi/strategy-for-progressive-decentralization.md).

# Strategy for Progressive Decentralization

#### Progressive Decentralization Approach

At IFICHI, we acknowledge that scaling a decentralized finance protocol effectively requires a balanced approach between rapid innovation and gradual decentralization. Initially, our focus is more on product development and smart contract security rather than on decentralizing governance.

#### **Product/Market Fit**

* **Rapid Development**: Our capability to make unilateral decisions about the smart contract code accelerates development, helping us refine our fixed-rate lending product to better meet user needs.
* **Flexible hTokens**: The design of hTokens allows for adaptable coding, enabling on-the-go modifications to enhance their functionality.