Refer to the following statements, which statements are correct?

i.You can get a better borrowing rate from DeFi platforms if you have good credit records

ii.You can swap your cryptos by interacting with Decentralised Exchange (DEX) smart contracts without finding an intermediaries.

iii. DeFi platforms and DEXs work 7x24 all year round

iv. There is counterparty risk when you swap on DeFi platform

a.

iii and iv

b.

i and ii

c.

ii and iii

d.

i and iv

e.

All of above