This article delves into the global practices of financing investment projects through decentralized sources, examining models such as crowdfunding, peer-to-peer lending, and blockchain-based funding. It highlights the growth, challenges, and comparative analysis of these methods in different economic contexts, with a focus on both developed and emerging markets. The study emphasizes the need for robust regulatory frameworks, enhanced financial literacy, and technological advancements to effectively harness these innovative financing methods. The findings suggest that while decentralized financing presents unique challenges, it offers significant opportunities for democratizing investment project financing and fostering economic growth.