AltcoinTrader CEO Richard da Sousa sees Bitcoin smashing through the R1 million mark this year, and decentralised finance (DeFi) built around cryptos taking a giant bite out of the lunch of traditional financial institutions. You can already earn interest on your cryptos and borrow money through DeFi platforms at much cheaper rates than local banks. If you think cryptos are a passing fad, you're in for a rude shock.