FINAL Finance is a decentralized platform that combines auction, sales, and shopping features, equipped with a DeFi ecosystem. FINAL Finance is also a decentralized DeFi protocol that merges spot trading services and money markets with lending services through smart contracts. Within the money market, interest rates and collateral ratios are based on market forces such as supply and demand, while borrowing limits are determined by the liquidity of trading pairs. Smart contracts that integrate both functionalities within the protocol enable the coexistence of trading and DeFi features in the same protocol. This resolves the liquidity and liquidation issues that have been limiting the expansion of DeFi applications to broader markets.