The work explores the intersection between centralized finance (CeFi) and decentralized finance (DeFi), introducing the concept of hybrid finance (HyFi). The aim is to synthesize the advantages of both systems to overcome their individual limitations and offer a more robust and adaptable solution for the contemporary financial ecosystem. The central research problem is how the hybrid HyFi model can integrate the strengths of CeFi and DeFi to meet the specific needs and challenges of current financial applications. The study aims to analyze and compare the CeFi and DeFi models and propose the HyFi model as a hybrid solution for financial applications, seeking to optimize the efficiency and security of operations. The relevance of the study is highlighted by the emerging need to understand and integrate new financial technologies in a way that benefits both consumers and market operators.