# Web3’s Swiss Army knife of personal finance Changex joins Cointelegraph Accelerator
Changex combines crypto trading and lending with traditional banking features that also include an upcoming Visa debit card. Decentralized finance (DeFi) gave birth to a wide range of financial services that aim to challenge what traditional finance (TradFi) offers. However, the user experience persists as a major issue hindering the widespread adoption of DeFi apps…