Msika wamsika wazachuma (DeFi) walandila chiwongola dzanja chachikulu kuchokera kwa okonda ma crypto zaka zaposachedwa - kukopa azachuma padziko lonse lapansi. Mwanjira yake yosavuta, DeFi ndi mawu omwe amagwiritsidwa ntchito kugwiritsa ntchito ndalama zopangidwa ndiukadaulo wa blockchain - yomwe cholinga chake ndi kukhazikitsa demokalase pazachuma posintha mabungwe apakati.

Lero, nsanja za DeFi zitha kukupatsirani mwayi wambiri wothandizira zachuma - kuyambira pa malonda, kubwereka, kubwereketsa, kusinthana kwakanthawi, kasamalidwe ka chuma, ndi zina zambiri.

Masamba otchuka kwambiri a DeFi apanga zikwangwani zawo, monga njira zowathandizira kuti azigwira bwino ntchito komanso kulimbikitsa ogwiritsa ntchito. Ngati mukufuna kupeza chidutswa cha msika watsopanowu koyambirira - kuyesa ndalama zandalama za DeFi ndi njira imodzi yabwino kwambiri.

Kuno ku DefiCoins.io - timayang'ana zina mwa ndalama zabwino kwambiri za DeFi pamsika ndikuwunikiranso gawo lawo munthawi zawo za DeFi. Timafotokozanso momwe mungagule ndalama za DeFi kuchokera kunyumba kwanu osalipira ndalama zolipirira kapena mabungwe.

Ndalama Zabwino Kwambiri za DeFi 10

Chifukwa cha kutchuka kwambiri komanso kutuluka kwa nsanja zatsopano za DeFi - mndandanda wazandalama za DeFi ukukula nthawi zonse. Panthawi yolemba - msika wonse wamsika wamakampani onse a DeFi umakhala wopitilira $ 115 biliyoni. Izi ndizazikulu, makamaka mukawona momwe chodabwitsa cha DeFi ndichaching'ono. 

Nawu mndandanda wa ndalama 10 zabwino kwambiri za DeFi zomwe zathandizira kukweza msikawu.

1. Kusasintha (UNI)

Uniswap ndikutsogola kotsogola komwe kumalamulira msika wa DeFi pakadali pano. Imagwiritsa ntchito makina a Automated Market Maker system (AMM) kuti zitsimikizire kuti pali ndalama zokwanira zama tokeni a ERC20 omwe amagulitsidwa patsamba lawo. Protocol ya Uniswap yakopa otsatira omvera molingana ndi njira zake zopezera ndalama. Zimakupatsani mwayi wolamulira makiyi anu achinsinsi, kuphatikiza ndi zikwama zakunja, komanso kumakupatsani mwayi wogulitsa pamalipiro ochepa.

Chizindikiro cha UNI chidakhazikitsidwa ndi pulogalamu ya Uniswap mu Seputembara 2020 - ngati njira yopezera ogwiritsa ntchito. Ndalama ya DeFi inalowa mumsika pamtengo wamalonda wa $ 2.94. Pakadutsa miyezi ingapo - mtengo wa ndalama udakwera kufika $ 35.80. Ndalama za DeFi zitha kuonedwa kuti ndi imodzi mwazizindikiro zabwino kwambiri pamakampani - ndikuwonjezeka kwa 1,100% m'miyezi eyiti yokha. 

Imodzi mwa ndalama zabwino kwambiri za DeFi malinga ndi kuwerengera, pamsika wamsika wopitilira $ 18 biliyoni. Mukamagula UNI, mudzalandiranso zolimbikitsa ndi kuchotsera pamtundu wa Uniswap. Mwachitsanzo, kutengera kukula kwa katundu wa UNI - mudzatha kuvota pamalingaliro osiyanasiyana omwe afunsidwa pazachilengedwe zosasinthika.

Protocol ya Uniswap yabwera kale ndi pulani yazaka zinayi kuti igawidwe ma tokeni a UNI. Mwa ndalama zonse za 1 biliyoni, 60% imasungidwa kwa anthu am'madera osasinthika. Ndalama za DeFi zilipo kale kuti zigulitsidwe papulatifomu yotchuka ya cryptocurrency monga Capital.com.

2. Chainlink (KULUMIKIZANA)

Chainlink ndiye malo ogwiritsidwa ntchito kwambiri ogulitsira omwe amapezeka pamsika wa DeFi. Imapatsa chidziwitso chenicheni chamakampani anzeru pa blockchain - yolumikizana pakati pazambiri zomwe sizinachitikepo zopitilira pakati pa crypto DApps. Wothandizirayo watulutsanso chizindikiro chake chokha KULUMIKIZANA, komwe kumakhala ndi zofunikira zingapo papulatifomu.

Tithokoze chifukwa chakukula kwakanthawi kwamapulatifomu, Chainlink yakhala ikukula kwambiri kuyambira pomwe idakhazikitsidwa mu 2019. Zasinthiratu mpaka pomwe zimatha kulipira njira zina za crypto zomwe zitha kupindulitsa chilengedwe cha Chainlink.

Pankhani yachuma pamsika, KULUMIKIZANA ndi imodzi mwazopanga zodziwika bwino za DeFi pakadali pano - ndikuyerekeza $ 14 biliyoni. Ndalama ya DeFi idalowa 2021 ndi mtengo wa $ 12.15. Panthawi yolemba, mu Epulo 2021 - mtengo wa LINK wakhala ukugunda kuyambira $ 44.36. Ambiri amayembekeza kuti izi zipitilira kupitilira kwa nthawi. 

Kwa zaka zambiri, Chainlink yakhala imodzi mwamasamba abwino kwambiri a DeFi kuti akhalebe ndi mwayi wogulitsa. Momwe ikuwonekera kukulitsa magwiridwe antchito a nsanja yake ya DeFi, LINK itha kupatsa otsogola ena a DeFi kusinthasintha kowonjezera. Poganizira izi, chikwangwani cha LINK ndi chimodzi mwazabwino kwambiri za DeFi zoti muganizire mu 2021.

3. DAI (DAI)

Kwa iwo osadziwa, msika wina wazachuma wama cryptocurrencies ndi ndalama za DeFi ndizovuta kwambiri. Kwa iwo omwe akufuna kupewa kusinthasintha kwamitengo, ndalama za DAI zitha kukhala zosangalatsa. Mwachidule, ndalama iyi ya DeFi crypto idamangidwa pa Ethereum blockchain ndipo mtengo wake wagundika ndi uja wa dola yaku US.

M'malo mwake, DAI ndiye chuma choyambirira chamakampani chamtunduwu. Ndalama iyi ya DeFi imapangidwa ndi pulogalamu yotseguka ya MakerDAO Protocol - yomwe ndi imodzi mwazinthu zabwino kwambiri za DeFi zogwiritsa ntchito mapangano anzeru popanga mapulogalamu osiyanasiyana.

Pakadali pano, DAI ili ndi msika wamsika wa $ 4 biliyoni - ndikupangitsa kuti ikhale imodzi mwazabwino kwambiri za DeFi zomwe zimafalitsidwa. Ili ndi kusinthitsa komwe kumawonetsera mtengo wa dola yaku US motsutsana ndi ndalama zina za fiat. Monga momwe mungaganizire, mwayi waukulu wokhazikitsa DAI ndikuchepetsa chiopsezo chanu chokhudzana ndi kusakhazikika pamisika yayikulu ya cryptocurrency.

Kuphatikiza apo, kugwiritsa ntchito DAI m'malo mwa ndalama za fiat kungakuthandizeninso kuchepetsa mtengo wogulitsa komanso kuchedwa komwe kumachitika mukamagulitsa misika yachuma. Potsirizira pake, DAI ndi imodzi mwazabwino kwambiri za DeFi zamtundu wake - chifukwa chake tikuyembekeza zinthu zazikulu kuti ntchitoyi ifike zaka zikubwerazi. 

4x (ZRX)

0x ndi njira ya DeFi yomwe imalola kutukula kuti zizipanga okha kusinthana kwachinsinsi kwa ma cryptocurrency. Imagwira ngati yankho la DEX losasunga lomwe limalola ogwiritsa ntchito kugulitsa ma tokeni a ERC20 mosavuta. Komabe, kusiyana kwakukulu ndikuti pamodzi ndi kuthandizira kwake ma tokeni a ERC20, kusinthana kwa 0x kumathandizanso chuma cha ERC-721 crypto. Mwanjira ina, izi zimapereka mpata wogulitsa mosavomerezeka wa ndalama zambiri zadijito.

Mu 2017, pulogalamu yotseguka ya 0x protocol idabweretsa ndalama za 0x (ZRX). Monga ndalama zina zambiri zapamwamba za DeFi, ndalama za ZRX zimayendetsanso pa Ethereum blockchain ndipo poyambirira idapangidwa kuti zithandizire kuyang'anira zachilengedwe. Komabe, mu 2019 - ndalama za 0x zidapatsidwa zofunikira zambiri, monga kukhazikika kwa omwe amapereka ndalama.

0x yachita bwino kwambiri kuyambira koyambirira kwa 2021. M'malo mwake, ndalama za DeFi kuyambira pano zawonjezeka pamtengo wopitilira 500% - zikufika mpaka $ 2.33 mu Epulo 2021. Chizindikiro pakadali pano chili ndi capitalization yopitilira $ 1.2 biliyoni . Ngati mukufuna kupeza njira ya 0x, mutha kusinthanitsa chizindikirochi ndi DeFi kuchokera kuma nsanja onse okhala pakati komanso monga ogulitsa broker Capital.com.

5.Mlengi (MKR)

Maker (MKR) ndi ndalama ina ya DeFi yomwe idapangidwa ndi gulu ku protocol ya MakerDAO. Pomwe DAI idapangidwa kuti ibweretse bata, cholinga cha ndalama za Wopanga ndichachizindikiro. M'malo mwake, chikwangwani cha MKR DeFi chimagwiritsidwa ntchito kusunga phindu la DAI kukhala $ 1. Kuti izi zitheke, ndalama za Makampani zitha kupangidwa ndikuwonongeka kuti zithetse kusinthasintha kwamitengo komwe kumapezeka pamsika waukulu.

Omwe ali ndi MKR ali ndi udindo pakusintha malangizo okhudzana ndi DAI solidcoin. Ngati mukufuna kuyika ndalama ku Maker, mupeza ufulu wovota m'chilengedwe cha MakerDAO.

Kuphatikiza apo, mudzalandiranso zolimbikitsanso chifukwa chotenga nawo gawo muulamuliro wa protocol ya MakerDAO, monga kutsitsa fizi ndi chiwongola dzanja chokwanira. Ndi kapu yamsika yopitilira $ 3 biliyoni, Mlengi ndi m'modzi mwa ndalama 10 zapamwamba kwambiri za DeFi pamsika wa crypto. Ngati DAI izichita bwino pabwalo lamalonda la cryptocurrency, izi zitha kuganiziranso za mtengo wa ndalama za Maker DeFi.

6. Chigawo (COMP)

Compound ndi njira ina yotsogola yobwereketsa komanso yobwereketsa yomwe imathandizira ogwiritsa ntchito kupeza chiwongola dzanja pazinthu zawo za crypto. Pulatifomu yapanga maiwe angapo ophatikizira izi. Mukayika chuma chanu mu amodzi amadziwewa, mudzatha kupanga ma CTokens pobwezera.

Mukafuna kupeza zinthu zomwe muli nazo, mutha kuwombolera izi. Makamaka, popeza kuchuluka kwa kusinthana kwa cTokens kumawonjezeka pakapita nthawi, mudzapezanso chiwongola dzanja pazachuma chanu. Mu Juni 2020, Compound idakhazikitsa chikwangwani chake - COMP. Omwe ali ndi chisonyezo cha DeFi atha kupeza mwayi wovota pa Protocol ya Compound. 

Pulatifomuyi yakhala ikukopeka kwambiri pamsika, ndipo ndalama zake za DeFi posachedwa zidapititsa msika wamsika wopitilira $ 3 biliyoni. Makampani adalowa 2021 pamtengo wa $ 143.90. Kuyambira pamenepo, ndalama za Defi zaposa $ 638. Izi zikutanthauza kuti m'miyezi inayi yokha yogulitsa - Compound yawonjezeka pamtengo wopitilira 350%.

7.Patukani (AAVE)

Aave ndi nsanja yotseguka ya DeFi yomwe imagwira ntchito ngati kubwereketsa kwa crypto. Kutsata kwake kosasunga ndalama kumakupatsani mwayi wopeza chiwongola dzanja komanso kubwereka pazinthu zanu za crypto. Pulatifomu iyi ya DeFi idayambitsidwa koyamba pamsika wa cryptocurrency mu 2017.

Komabe, panthawiyo - nsanjayi inkatchedwa ETHLend, ndipo LEND ndi chizindikiro chake. Makamaka imagwira ntchito yopanga machesi kulumikizana obwereketsa ndi obwereketsa. Mu 2018, nsanja ya DeFi idasinthidwa kukhala Aave - ndikuwonjezera pazinthu zatsopano zobwereketsa.

Masiku ano, ndalama za AAVE zitha kudulidwa kudzera pa protocol kuti zithandizire chitetezo chake ndikugwira ntchito. Kuphatikiza apo, mutha kusangalalanso ndi mphotho yayikulu ndi zolipiritsa papulatifomu ya Aave. Ndalama ya DeFi ili ndi malo angapo ogulitsa - popeza ili ndi zofunikira zenizeni pamsika wobwereketsa wochulukirapo wa crypto.

Imodzi mwa ndalama zapamwamba kwambiri za DeFi potengera kuwerengera, pamtengo wamsika wopitilira $ 5 biliyoni. Ndalama ya AAVE DeFi yakhala ikusangalala ndi msika wogulitsa kuyambira koyambirira kwa 2021 - kukwera mtengo mopitilira 350% m'miyezi inayi yokha.

8. Zolumikizidwa (SNX)

Synthetix ndi imodzi mwazomwe zikukula kwambiri pa DeFi pamsika wamasiku ano. Ndi kuseri kwa kusinthana kwamafuta abwino komwe kumalola ogwiritsa ntchito kusinthana ma tokeni papulatifomu. Komabe, chomwe chimapangitsa Synthetix kukhala yapadera ndikuti imalola ogwiritsa ntchito kupanga zinthu zawo - zotchedwa 'Synths.' M'mawu osavuta, ma Synths ndi zida zachuma zomwe zimatsata kufunikira kwachinsinsi.

Mutha kusinthanitsa ma Synths ndi ma cryptocurrensets, ma indices, ndi zinthu zina zenizeni monga golide pamasinthidwe amtundu wa Synthetix. Komabe, muyenera kukhala ndi SNX - chizindikiro chaku Synthetix kuti mupereke chikole motsutsana ndi ma Synths. Mwanjira iyi, nthawi zonse malonda anu Synths, ma tokeni anu a SNX adzatsekedwa mu mgwirizano wanzeru.

Kuphatikiza apo, chisonyezo cha SNX chimaperekanso gawo la ndalama zomwe amatola kwa omwe amakhala nazo, zomwe zimakupatsani mwayi wopeza ndalama zochepa. Poganizira zofunikira izi papulatifomu, kufunika kwa ma tokeni a SNX kumatha kupitilirabe kukula. Chizindikirocho chatulukira kale ngati imodzi mwazabwino kwambiri za DeFi, zomwe zimakhala ndi msika wopitilira $ 2 biliyoni. Kwa miyezi inayi yapitayi, mtengo wa ndalama za SNX udakwera kale kuposa 120% yamtengo wake.

9.Yepani ndalama (YFI)

Ndalama zidayambitsidwa koyambirira kwa 2020, ndi cholinga chopereka zokolola zambiri za staking Ethereum, solidcoins, ndi ma altcoins ena. Protocol imathandizira izi kudzera munthawi yake yotchedwa 'Vault,' yomwe imathandizira kuchepetsa mtengo wokwera wa zochitika za Ethereum.

Ndalama zikuyembekeza kupeputsa lingaliro la DeFi kwa osunga ndalama atsopano, kuwalola kupititsa patsogolo kubweza osalowererapo pang'ono. Pulatifomu iyi ya DeFi yapeza chidwi chowonjezeka pamsika ndikukhazikitsa chizindikiro chake cha YFI. Ndalama ya DeFi ili ndi msika wamsika wopitilira $ 1.5 biliyoni.

Komabe, pali ndalama zochepa zokwanira 36,666 zokha - zomwe zimawonjezera phindu la ntchito ya Defi. Panthawi yolemba, ndalama za YFI zimagulidwa $ 42,564 - imodzi mwamsika kwambiri pamsika. Ichi ndi chithunzi chodabwitsa, poganizira kuti ndalamazo zidayambitsidwa mu Julayi 2020 - pamtengo wa $ 1,050.

10.PancakeSwap (KEKE)

PancakeSwap ndi kusinthana kwakanthawi komwe kumakupatsani mwayi wosinthira ma tokeni a BEP20 pa Binance Smart Chain, njira yabwino komanso yotsika mtengo ku Ethereum. Zofanana ndi Kusasintha, DEX iyi imagwiritsanso ntchito makina a Makina Opanga Msika kuti apange maiwe osungira. PancakeSwap idakhazikitsa chikuni chake chobadwa mu Seputembara 2020. Ogwiritsa ntchito atha kuyika CAKE pachimodzi mwamaiwe amadzimadzi omwe amaperekedwa kuti apeze ndalama zambiri.

Ndalama zochepa zomwe adalipira zidakopa okonda DeFi ambiri papulatifomu. - Kuyendetsa mtengo wa ndalama pang'onopang'ono. Chizindikiro cha CAKE chidawonetsa msonkhano wamtengo wapatali m'gawo loyamba la 2021. Ndalama ya Defi idayamba chaka ku $ 0.63 ndipo, pa Epulo 26, 2021 - idakwera $ 33.83.

Izi zimamasulira phindu la 5,000% m'miyezi inayi yokha. Panthawi yolemba, chikwangwani cha CAKE chidakhazikitsanso msika wopitilira $ 5 biliyoni, ndikupangitsa kuti ikhale imodzi mwazizindikiro zabwino kwambiri za DeFi crypto pachaka.

Zofunika Kwambiri

Mosakayikira, kutchuka kwa ndalama za DeFi kukuwonetsa kuti gawo lonse la DeFi likupita kukapeza msika wachuma. Ma protocol omwe tawatchula pano akupitilizabe kuwonetsa kuti pali kufunikira kwenikweni, ndi malo pamsika wapadziko lonse wazogulitsa ndi ntchito zosiyanasiyana.

Izi zati, pali mitundu ingapo yomwe ikupangitsa kuti izi zitheke. Mwachitsanzo, ma tokeni a DeFi ndi gawo limodzi chabe la chilengedwe cha DeFi. M'malo mwake, izi zikupangidwa ngati njira yothandizira ma protocol - omwe amakupatsirani mwayi wina woti mugwiritse ntchito chodabwitsa cha DeFi.

Ndili ndi malingaliro, tiyeni tiwone nsanja zabwino kwambiri za DeFi zomwe zikulamulira msika lero.

Ma Platform Apamwamba a 2021

Cholinga chachikulu cha nsanja za DeFi ndikukhazikitsa njira zogulitsa ndi kugulitsa. Chimodzi mwazokopa pano ndikuti mayankho awa amapereka zowonekera bwino poyerekeza ndi mabungwe azachuma.

Ma nsanja abwino kwambiri a DeFi amakono amayendetsedwa ndi dApp kapena ma protocol - opangidwa ndi Bitcoin kapena Ethereum. Pali ntchito zatsopano zomwe zimalowa mumsika pafupifupi pamwezi, zomwe zimapereka mwayi watsopano kwa osunga ndalama ndi amalonda amitundu yonse.

Nazi njira zina zomwe ma DApp ndi ma decentralized protocol akugwiritsidwira ntchito lero:

  • Kubwereka ndi Kubwereketsa: Ma nsanja a DeFi amakulolani kuti mutenge ngongole pazinthu zanu za crypto, popanda kumaliza ntchito ya KYC, kuyang'anitsitsa ngongole yanu, kapena kukhala ndi akaunti yakubanki. Muthanso kubwereketsa ndalama zanu za cryptocurrency pobwezera chiwongola dzanja, zomwe zimapangitsa kuti pakhale nsanja ya DeFi yomwe ikufunsidwa.
  • Ma Digital Wallets: Ma wallet a DeFi crypto osasungidwa amakulolani kuti muzitha kuyang'anira katundu wanu ndi makiyi anu pamalo achitetezo.
  • Kusinthana Kwapakati: Ma nsanja abwino kwambiri a DeFi amakuthandizani kuti muchepetse kufunikira kwa munthu wamba koma m'malo mwake mumachita malonda kudzera m'mapangano anzeru.
  • Ndondomeko Zoyang'anira Zinthu: DeFi imathandizira chimango chomwe chimalola ogwiritsa ntchito kupezera ndalama zopezera ndalama monga ndalama zokhazikika ndi zophatikiza katundu.
  • Ngongole Zosagwirizana: DeFi yakuthandizani kuti musalandire ngongole zosatetezedwa chifukwa cha anzawo.
  • Zizindikiro Zosagwirika: Ma nsanja abwino kwambiri a DeFi akupereka thandizo kwa ma NFTs. Awa ndi ma tokeni omwe amakulolani kusinthiratu chuma chomwe kale sichinasinthike pa blockchain. Izi zingaphatikizepo zojambula zoyambirira, nyimbo, kapena ngakhale Tweet!
  • Zokolola Kulima: Chogulitsa ichi cha DeFi chimakuthandizani kuti mupeze chiwongola dzanja pazinthu zanu za crypto poziyika papulatifomu ya DeFi.

Monga mukuwonera, kukula kwa msika wa DeFi ndikosiyanasiyana. Y0u imatha kupeza momveka bwino, yopanda malire kuntchito iliyonse yazachuma yomwe mungaganizire - kuchokera kumaakaunti osungira, ngongole, malonda, inshuwaransi, ndi zina zambiri.

Ndiye mungapeze kuti nsanja zabwino kwambiri za DeFi zomwe zingakupatseni mwayi wazinthu zabwino kwambiri m'gawo lino? Pansipa, tawunikanso masanjidwe omwe adasankhidwa kwambiri ndi momwe mungapindulire nawo.

YouHodler

Choyambitsidwa mu 2018, YouHodler ndi imodzi mwazinthu zabwino kwambiri zobwereketsa ndalama pamsika. Imeneyi ndi ntchito yachuma yomwe imakupatsirani ndalama zambiri pamadipo anu. Pulatifomu ya DeFi idalumikizana ndi mabanki odziwika ku Europe ndi Switzerland kuti awonetsetse kuti mukusungitsa mosungika chuma chanu chadijito.

YouHodler imaphatikizidwanso ndi kusinthanitsa kwamalonda komwe kumathandizira ndalama zambiri zotchuka za DeFi - kuphatikiza Compound, DAI, Uniswap, Chainlink, Maker, ndi zina zambiri. Chimodzi mwazinthu zofunikira kwambiri pa YouHodler ndikuti zimakupatsani mwayi woti muziika Bitcoin, kapena ma cryptocurrensets ena - kuti muyambe kupeza chiwongola dzanja nthawi yomweyo.

Ntchito iliyonse yobwereketsa ndi kubwereka papulatifomu ndi chikalata chololeza mwalamulo chomwe chimatsatira malangizo a European Union. Mutha kupeza mpaka 12.7% pamadipo anu a crypto ndipo chilichonse chomwe mungabweretse chiziikidwa mwachindunji mu chikwama chanu cha YouHodler sabata iliyonse. Kupatula izi, mutha kupezanso mwayi wopeza ngongole za crypto papulatifomu. YouHodler imapereka chiwongola dzanja chotsimikizika cha 90% pazinthu 20 zapamwamba zothandizidwa.

Muthanso kupeza ngongole mu fiat currencies monga US dollars, euro, Swiss francs, ndi mapaundi aku Britain. Ngongole zimatha kuchotsedwa nthawi yomweyo ku akaunti yanu yakubanki kapena ku kirediti kadi. Kwa iwo omwe ali odziwa zambiri pamsika wa DeFi crypto, YouHodler yatulutsanso zinthu zina ziwiri - MultiHODL ndi Turbocharge. Ndi izi, nsanja idzagulitsa chuma chanu mokhazikika kuti muthe kubweza.

Komabe, poganizira za chiwopsezo chomwe chikukhudzidwa, magwiridwe antchito awa ndiosungidwa bwino kwa osunga ndalama omwe amadziwa bwino misika yazachuma. Kumbali inayi, ngati mukungofuna kuti mupeze ndalama zopanda phindu kuchokera kuzinthu zanu za crypto, ndiye kuti YouHodler akhoza kukutengerani ndalama zambiri ndikukulolani kuti musungire chuma chanu pamalo otetezeka.

Nexo

Nexo ndi dzina lina lotchuka mu danga la crypto. Pulatifomu yakhazikitsa zinthu zingapo zachuma zomwe zingasinthe mabanki achikhalidwe ndi zida za crypto.  Nexo imakupatsani mwayi wopeza chiwongola dzanja pazinthu zosiyanasiyana za 18 za crypto - kuphatikiza ndalama za DeFi monga DAI ndi Nexo token. Mutha kulandira mpaka kubweza kwa 8% pa ma cryptocurrensets, mpaka 12% pazitsulo zokhazikika.

Zopeza zanu zidzakulipirani tsiku ndi tsiku. Kuphatikiza apo, mutha kuyikanso ndalama za fiat monga mayuro, madola aku US, ndi mapaundi aku Britain kuti mupindule nazo.  Kupatula akaunti yosungira crypto, Nexo imakulolani kuti mulandire ngongole pompopompo polemba chuma chanu cha digito.

Njirayi imagwiritsidwa ntchito ndi makina - ndipo mutha kuyitanitsa pempho lanu la ngongole popanda kuwunika ngongole iliyonse.  Mitengo ya chiwongola dzanja cha Nexo crypto imayamba pa 5.90% APR. Ndalama zochepa zomwe mwapeza pa $ 50, ndipo mutha kupeza ngongole mpaka $ 2 miliyoni.  Nexo yakhazikitsanso kusinthana kwakomwe komwe kumatha kugulitsidwa, komwe mungagule ndi kugulitsa zopitilira 100 ma cryptocurrency.

Pulatifomu yakhazikitsa dongosolo la Nexo Smart kuti liwonetsetse kuti mumapeza mtengo wabwino kwambiri pamsika polumikiza kumasinthasintha osiyanasiyana. Kuphatikiza apo, Nexo amalonjezanso kuti sipadzakhala kusinthasintha mitengo pang'ono mukamayitanitsa msika. Zofanana ndi mapulatifomu ena a DeFi, Nexo yakhazikitsanso ndalama zake zoyendetsera - chizindikiro cha NEXO.

Kusunga chikwangwani cha NEXO kumakupatsani mwayi wopeza mphotho zingapo papulatifomu - monga kubweza kwakukulu pamadipo anu, komanso kutsitsa chiwongola dzanja chambiri pa ngongole.  Chofunika kwambiri, Nexo ndi amodzi mwamapulatifomu omwe amapereka magawo kwa omwe amakhala ndi zikwangwani. M'malo mwake, 30% yopeza phindu lonse la ndalamayi ya DeFi imagawidwa pakati pa omwe ali ndi zikwangwani za NEXO - kutengera kukula ndi kutalika kwa ndalamazo.

Zosasintha

Uniswap mosakayikira ndi imodzi mwamasamba otchuka kwambiri a DeFi pamsika wambiri wa cryptocurrency. Pulatifomu imakupatsani mwayi wogulitsa chiphaso chilichonse cha Ethereum chokhala ndi ERC-20 pogwiritsa ntchito zikwama zachinsinsi monga Metamask.  Mu 2020, Uniswap idathandizira ndalama zokwana madola 58 biliyoni pamalonda - ndikupangitsa kuti isinthane kwambiri padziko lonse lapansi. Manambalawa akwera ndi 15,000% kuyambira 2019 - kuwonetsa kutalika kwa nsanja ya DeFi patadutsa chaka chimodzi. 

Chimodzi mwamaubwino akulu a Uniswap ndikuti palibe chifukwa choti musungire chuma chanu papulatifomu. Mwanjira ina, ichi ndi ntchito yosasunga yomwe imagwiritsa ntchito maiwe osungira m'malo mogula mabuku. Palibe chifukwa choti mulembe pa pulogalamu yosasinthika kapena kumaliza ntchito ya KYC.

Mutha kusinthana pakati pa chisonyezo chilichonse cha ERC20 kapena kupeza ndalama zochepa pamisonkho yomwe mungatenge mukangowonjezera padziwe.  Monga tanena kale mwachidule, Uniswap ilinso ndi chisonyezo chake cha UNI - chomwe chingakupatseni magawo okuvota muulamuliro waoperekera. Ndalama ya DeFi yangokwera mtengo posachedwa, kukopa chidwi cha protocol ya UNI. 

Posachedwa, Uniswap idayambitsanso mtundu wake waposintha - wotchedwa Uniswap V3. Zimabwera ndimadzimadzi ochulukirapo komanso zolipiritsa. Izi zimalola kuti omwe amapereka ndalama azilipidwa malinga ndi chiopsezo chomwe amatenga. Zinthu zoterezi zimapangitsa Uniswap V3 kukhala amodzi mwa ma AMM osinthika kwambiri opangidwa.

Protocol ya Uniswap ikufunanso kupereka malonda otsika otsika omwe amatha kupitilira omwe amasinthana pakati.  Zosintha zatsopanozi zitha kuyendetsa mtengo wa chikwangwani cha UNI DeFi kupitilira. Monga mukuwonera, nsanja ya DeFi ikupitilizabe kusintha ndipo itha kuwonjezeranso zinthu zina monga kubweza ngongole za crypto ndi kubwereketsa kuzinthu zachilengedwe. 

BwanKi

Yakhazikitsidwa mu 2018, BlockFi yasintha kukhala malo opangira zinthu zanu zamagetsi. Kwa zaka zambiri, nsanja ya DeFi yakwanitsa kulandira $ 150 miliyoni kuchokera kwa anthu odziwika mderalo, ndikupeza kasitomala wokhulupirika wotsatira. BlockFi imapereka zinthu zosiyanasiyana zandalama zomwe zimafunikira kwa onse komanso mabungwe ogulitsa ma cryptocurrency. Maakaunti a Chidwi cha BlockFi, BIAS mwachidule - imakupatsani mwayi wopeza chiwongola dzanja chofika 8.6% pachaka pazachuma.

Monga momwe zilili ndi nsanja zina za DeFi. BlockFi imabwereketsa ndalama kwa wogwiritsa ntchito kwa anthu ena ndi mabungwe obwereketsa mabungwe ndikuwalipira chiwongola dzanja - chomwe chimalipira kwa ogwiritsa ntchito. Izi zati, ndikofunikira kudziwa kuti madipoziti ogwiritsa ntchito amaikidwa patsogolo kwambiri poyerekeza ndi kampani yomwe ikabwereka ndalama.

BlockFi imaperekanso mwayi kwa ogwiritsa ntchito kugwiritsa ntchito chuma chawo cha digito ngati chikole, ndikubwereka mpaka 50% yamtengo wogwirizira m'madola aku US. Monga mukuwonera, izi ndizochepera kwambiri kuposa LTV yoperekedwa ndi mapulatifomu ena monga YouHodler. Kumbali inayi, ngongole zimachitika pafupifupi nthawi yomweyo. Pomaliza, mwayi wina wa BlockFi ndikuti imapereka mwayi wopanda kusinthana papulatifomu yake.

Komabe, mitengo yosinthanitsa ndi yocheperako poyerekeza ndi zomwe mungalandire pamapulatifomu ena. Ponseponse, BlockFi ili ngati imodzi mwamagawo omwe angatsogolere ndalama - kukuthandizani kuti mugwiritse ntchito chuma chanu kuti mupeze ndalama, komanso kuti muthe kubweza ngongole mwachangu.

AAVE

Yoyambitsidwa koyamba ngati ETHLend, Aave adayamba ngati msika pomwe obwereketsa ma crypto komanso obwereketsa amatha kukambirana momwe angafunire popanda kudutsa munthu wina. Kuyambira pamenepo, nsanja ya DeFi yakula kukhala njira yokhazikitsidwa ya DeFi yomwe imapereka zinthu zingapo zandalama.  Maiwe amadzimadzi a Aave pakadali pano amapereka ndalama zopitilira 25 crypto, khola, ndi ndalama za DeFi.

Izi zikuphatikizapo DAI, Chainlink, yearn.finance, Uniswap, SNX, Maker, ndi zina zambiri. Kuphatikiza apo, Aave watulutsanso chikwangwani chake chaulamuliro - AAVE. Izi zimathandizira kuti zizindikilo zizithandizira pakuwongolera kwa Aave protocol.  Chizindikiro cha AAVE amathanso kukhazikitsidwa papulatifomu kuti apeze chiwongola dzanja komanso mphotho zina. 

Aave makamaka amakhala ngati nsanja yobwereketsa ndalama. Mutha kubwereka ndi kubwereketsa katundu wa digito pa Aave m'njira yovomerezeka, osapereka zolemba za AML kapena KYC.  Monga wobwereketsa, mudzakhala mukusungitsa chuma chanu mosungiramo madzi. Gawo la dziwe liziikidwa pambali ngati malo osungira kusakhazikika mkati mwa nsanja ya DeFi. Izi zimathandizanso kuti ogwiritsa ntchito azitha kutaya ndalama zawo popanda kukhudza kuchuluka kwawo. 

Kuphatikiza apo, mudzalandira chiwongola dzanja pazomwe mukupereka papulatifomu.  Ngati mukufuna kutenga ngongole, Aave amakulolani kubwereka powonjezera chuma chanu mopitirira muyeso. LTV ya ngongole yomwe mumalandira imakhala pakati pa 50 mpaka 75%. 

Komabe, kupatula izi, Aave amadzisiyanitsanso popereka zinthu zina zapadera - monga ngongole zosatetezedwa za crypto ndikusintha mitengo. Tidzakambirana izi mwatsatanetsatane mu gawo la 'Crypto Loans ku DeFi Platforms' la bukhuli.  Komabe, sUch mitundu yazinthu zapadera yathandizira kuti Aave apezeke mu gawo la DeFi. M'malo mwake, poyerekeza ndi ma protocol ena a DeFi mu danga lino, Aave amapereka nkhokwe yapadera yazinthu. 

Celsius

Celsius ndi pulatifomu ina yozikika ndi blockchain yomwe yakhazikitsa chizindikiro chake. Chizindikiro cha CEL ndiye msana wazinthu za Celsius. Chizindikiro ichi cha ERC-20 chitha kugwiritsidwa ntchito mkati mwa pulogalamu ya Celsius kuti mukulitse phindu lanu pazogulitsa zake zachuma.

Potengera zofunikira, Celsius imakupatsani mwayi wopeza chiwongola dzanja pazinthu zanu za crypto, ndi chiwongola dzanja chofika pa 17.78%. Izi zili pamwambapa kuposa mafakitale - komabe, muyenera kukhala ndi zikwangwani za CEL kuti mulandire ndalama zambiri. Celsius imakupatsaninso mwayi wogwiritsa ntchito ndalama zandalama ngati chikole chobwereka ndalama za fiat kapena zinthu zina zadijito.

Apanso, chiwongola dzanja apa ndichopikisana modabwitsa - chimangokhala 1% APR. Izi ndichifukwa choti muli ndi ma tokeni okwanira a CEL okhazikika papulatifomu. Mwachidule, maubwino omwe mumalandira papulatifomu amadalira kwambiri kuchuluka kwa CEL yomwe mumagwira. Mwakutero, ngati mukufuna kugwiritsa ntchito Celsius, lingakhale lingaliro labwino kuwonjezera CEL ku mbiri yanu ya cryptocurrency.

Kupatula apo, iwo omwe amawagwira ndi Ma tokeni a CEL amatha kubweza ndalama zambiri pamasungidwe awo, komanso mitengo yotsika ya ngongole. Ponena za phindu la ndalama, chisonyezo cha CEL chawonjezeka ndi 20% pamtengo kuyambira koyambirira kwa 2021. Komabe, ndikofunikira kudziwa kuti zofunikira za chisonyezo cha CEL ndizochepa kunja kwa chilengedwe cha Celsius.

Chigawo

Ndalama Zamakampani zitha kuganiziridwa kuti ndi imodzi mwanjira zazikulu kwambiri zobwereketsa m'gawo la DeFi. Monga momwe zilili ndi nsanja zina zambiri za DeFi zomwe zakambidwa lero, protocol ya Compound imamangidwa pa Ethereum blockchain. Ngakhale poyambirira idakhazikitsidwa, ndikukhazikitsa zikwangwani zake zoyang'anira, Compound ikuyesetsa pang'ono kukhala bungwe loyendetsedwa ndi anthu wamba.

Panthawi yolemba, Compound imathandizira ma crypto 12 ndi ndalama zokhazikika - zomwe zimaphatikizaponso ma tokeni angapo a DeFi. Malo obwereketsa crypto pa Compound amagwira ntchito chimodzimodzi ndi nsanja zina za DeFi. Monga wobwereketsa, mutha kupeza chiwongola dzanja pa ndalama zanu powonjezera kuchuluka papulatifomu. Ngakhale ngati wobwereka - mutha kupeza mwayi wopeza ngongole mwachangu kulipira chidwi. 

Komabe, mfumukazi yonse imathandizidwa kudzera pachinthu chatsopano chotchedwa cToken contract. Izi ndizoyimira za EIP-20 pazazomwe zikuyambira - zomwe zimatsata mtengo wazinthu zomwe mudasungitsa kapena kuchotsa. Kugulitsa kulikonse kwa Compound protocol kumachitika kudzera m'makontrakitala a cToken. Mutha kuzigwiritsa ntchito kuti mupeze chiwongola dzanja, komanso ngati chikole kuti mupeze ngongole. Mutha 'timbewu tonunkhira' kuti tipeze manja anu pa cTokens kapena kubwereka iwo kudzera pa Compound protocol. 

Chigawo chimagwiritsanso ntchito njira yolumikizira yomwe imafotokozera chiwongola dzanja papulatifomu. Mwakutero, mosiyana ndi nsanja zina za DeFi, chiwongola dzanja chimasinthika - kutengera kupezeka ndi kufunika kwa protocol. Kudzera mchizindikiro chake chakuyang'anira COMP - Makampani omwe akukonzekera kukwaniritsa magawidwe athunthu. Izi zichitika popereka ufulu wovota ndikupereka chilimbikitso kwa omwe ali ndi COMP papulatifomu yake ya DeFi.

MakerDAO

MakerDAO ndi imodzi mwamapulatifomu oyamba a DeFi omwe adakopa chidwi cha omwe amagulitsa ndalama za crypto. Ntchitoyi idayambitsidwa mu 2017 ndipo imagwiritsidwa ntchito ngati njira yodziyimira payokha. Mutha kuyika ma cryptocurrensets angapo a Ethereum ndikuwagwiritsa ntchito kupangira chikole cha nsanja - DAI.  Monga tanena kale, kufunikira kwa zowonera za DAI kuli ngati dola yaku US.  DAI yomwe mumapanga pa MakerDAO itha kugwiritsidwa ntchito ngati chikole kuti mutenge ngongole.

Komabe, kumbukirani kuti kusinthana ndi chisonyezo chanu cha ERC-20 pobwezera DAI sikuli kwaulere papulatifomu. Mudzalipilitsidwa chindapusa mukatsegula chipinda. Malipiro awa amatha kuchenjeza nthawi ndi nthawi ndipo amasinthidwa papulatifomu. Pachifukwachi, ngati mukugwiritsa ntchito Maker Vault, ndibwino kuti ndalama zanu zizigwiranso ntchito kwambiri - kuti mupewe kuthetsedwa. 

Kunja kwa chilengedwe cha MakerDAO, DAI imagwira ntchito ngati ndalama iliyonse ya DeFi. Mutha kubwereka, kapena kuigwiritsa ntchito kuti mupeze ndalama zochepa. M'zaka zaposachedwa, DAI idakulitsa magwiridwe antchito ake kuphatikiza kugula kwa NFT, kuphatikiza nawo nsanja zamasewera, ndi mabizinesi a eCommerce.  Kupatula DAI, MakerDAO ili ndi ndalama zowonjezera zowongolera - Wopanga. Monga momwe zimakhalira ndi ndalama zina za DeFi, Holding Maker akupatsirani mwayi wovota komanso ndalama zochepa papulatifomu. 

Zofunika Kwambiri

Ma nsanja omwe afotokozedwa pamwambapa amapereka chithunzithunzi cha ma netiweki a DeFi omwe akumangidwa lero. Zomwe zikuchitika, tsogolo la gawo la DeFi liziwunikiridwa ndi anthu omwe amakhala kumbuyo kwawo. Ngati makampani akupitiliza kukopa chidwi, ziyenera kuwonetsedwa pamtengo wa ndalama za DeFi. 

Monga mukuwonera, dziko la DeFi lasinthiratu gawo lazachuma. Masamba apamwamba a DeFi awa akufuna kusintha makampaniwa pogwiritsa ntchito ukadaulo wa Blockchain. Mukatero, mudzakhala ndi mwayi wowonekera bwino ndikuwongolera zinthu zanu. 

Ngati mukukhulupirira kuti DeFi ili ndi mwayi waukulu wolamulira m'tsogolomu, chimodzi mwazinthu zabwino kwambiri zomwe mungachite ndikupanga ndalama za DeFi.  Kwa iwo omwe ali atsopano kumalo osungira ndalama za cryptocurrency, mupindula ndi upangiri wina m'derali. Chifukwa chake, tapanga kalozera wamomwe mungagulire ndalama zabwino kwambiri za DeFi m'chigawo pansipa. 

Momwe Mungagule Ndalama Zachitsulo za DeFi 

Pakadali pano, tikukhulupirira kuti muli ndi chidziwitso chotsimikiza cha nsanja za DeFi, komanso ndalama za DeFi zomwe zikulamulira msika.  Kuonetsetsa kuti ndalama zanu za DeFi zomwe mwasankha zitha kugulidwa m'njira yotetezeka komanso yotsika mtengo - pansipa tikukuyendetsani pang'onopang'ono. 

Gawo 1: Sankhani Woyang'anira Woyang'anira Paintaneti

Mapulatifomu ovomerezeka amakupatsani mwayi wosagwiritsa ntchito zinthu zama digito. Komabe, kwa iwo omwe akufuna kukhala osamala kwambiri ndi ndalama zawo, tikukulimbikitsani kuti muwonenso yalamulidwa nsanja. Mwachitsanzo, pali njira ziwiri zomwe mungagulire ndalama za DeFi - imodzi kudzera pa cryptocurrency kuwombola, kapena kudzera pa intaneti wogula.

Ngati mungasankhe kusinthana kwakatikati kapena kosavomerezeka, simudzakhala ndi mwayi wokhoza kugula ndalama za DeFi posinthana ndi ndalama za fiat. M'malo mwake, muyenera kukonza ndalama zokhazikika monga USDT.

  • Kumbali inayi, ngati mungasankhe wogulitsa pa intaneti monga Capital.com - mudzatha kugulitsa ndalama za Defi ndikulipirira akaunti yanu mosavuta ndi US dollars, euro, mapaundi aku Britain, ndi zina zambiri.
  • M'malo mwake, mutha kusungitsa ndalama nthawi yomweyo ndi debit / kirediti kadi komanso e-wallet ngati Paypal. 
  • Kwa iwo osadziwa, Capital.com ndi nsanja yotchuka kwambiri ya malonda a CFD yomwe imayang'aniridwa ndi FCA ku UK ndi CySEC ku Cyprus.
  • Pulatifomu imathandizira mzere wautali wamisika yamalonda ya DeFi - monga LINK, UNI, DAI, 0x, ndikuwunjikanso zina.

Komabe, ngati broker wanu wosankhidwa pa intaneti sakupatsani zikwama zomangidwa, mudzafunanso kupeza chikwama chakunja chadigito kuti musunge ma DeFi Tokens anu. Izi ndizachidziwikire, ngati simukuwagwiritsa ntchito papulatifomu iliyonse ya DeFi kuti mupeze ndalama zochepa.

Gawo 2: Lowani Ndi Malo Anu Osankhidwa a DeFi

Kutsegula akaunti ndi nsanja yamalonda ya DeFi ndikosavuta kuposa kale. Zomwe muyenera kuchita ndikulemba fomu yolembetsa mwachangu. Izi zikuphatikiza dzina lanu lathunthu, tsiku lobadwa, adilesi yakomwe mukukhala, ndi manambala olumikizirana nawo. Izi zati, ngati mukugwiritsa ntchito nsanja yoyendetsedwa monga Capital.com - muyeneranso kutsimikizira kuti ndinu ndani ngati gawo la KYC.

Mutha kumaliza tsambali nthawi yomweyo mwakukhazikitsa umboni wakudziwika - monga chiphaso chanu kapena chiphaso choyendetsa. Pa Capital.com mudzakhala ndi masiku 15 kuti mutsirize izi. Mukalephera kuchita izi, akaunti yanu imangoyimitsidwa. Zikalatazo zitakwezedwa ndikutsimikiziridwa, mudzakhala osafooka m'misika yambiri ya DeFi - zonse popanda chiphaso!

Gawo 3: Limbikitsani Akaunti Yanu Yapaintaneti

Musanagulitse ndalama za DeFi ku Capital.com, muyenera kulipira akaunti yanu. 

Pa Capital.com, mutha kuchita izi pogwiritsa ntchito kirediti kadi, debit khadi, kusamutsa ma waya kubanki, kapena zikwama zamagetsi monga ApplePay, PayPal, ndi Trustly. 

Koposa zonse, Capital.com siyilipiritsa ndalama iliyonse ndipo mutha kulipira ndalama ku akaunti yanu ndi $ / £ 20. Ponena izi, ngati mukusungitsa ndalama kudzera pa banki, muyenera kuwonjezera $ / £ osachepera 250.

Gawo 4: Pezani Msika Wanu Wosankhidwa wa DeFi

Mukakhazikitsa akaunti yanu, mwakonzeka kuyamba kugulitsa ndalama za DeFi. Pa Capital.com - njirayi ndi yosavuta. Zomwe muyenera kuchita ndikusaka ndalama zanu za DeFi zomwe mwasankha kenako dinani zotsatira zomwe zimadzaza. 

Mwachitsanzo, ngati mukufuna kugulitsa Zosasintha, mutha kungolowa 'UNI' mu bar.

Gawo 5: Trade DeFi Coins

Tsopano, zonse zomwe muyenera kuchita ndikunena kuchuluka kwa zikwangwani za DeFi zomwe mukufuna kugulitsa. Kapenanso, mutha kulowanso ndalama zomwe mukufuna kuyika pachiwopsezo cha Defi yomwe ikufunsidwa.

Mwanjira iliyonse, mukangotsimikizira lamulolo ku Capital.com - liziwonetsedwa nthawi yomweyo. Koposa zonse - Capital.com sangakulipireni ndalama iliyonse pamisonkho kapena zolipiritsa kuti mugulitse ndalama za Defi!

Zofunika Kwambiri

Mukagula ndalama zabwino kwambiri za DeFi pazolinga zanu zachuma, pamakhala zosankha zambiri patebulopo. Mwachitsanzo, mutha kuwagwira, kuwagulitsa, kapena kuwabwezeretsanso mu protocol ya DeFi. Kuphatikiza apo, monga tafotokozera m'bukuli - mutha kukhazikitsa ndalama za DeFi kapena kutenga ngongole pogwiritsira ntchito chikole.

Crucially, nsanja za DeFi zatha kale kupanga chisangalalo chachikulu pamsika. Dera lomwe lidakhazikitsidwa lidakopa ndalama zochulukirapo m'miyezi 12 yapitayi yokha - ikukula modabwitsa chaka chonse.  Monga mukuwonera bwino, pali nsanja zingapo zomwe zatha kubweretsa zomwe zatchulidwazi za DeFi kwa anthu onse.

Mwa milandu yambiri yogwiritsira ntchito, pali zinthu ziwiri makamaka zomwe zapeza zokopa pakati pa omwe amagulitsa ma crypto ndi amalonda omwe. Awa ndi maakaunti osunga ndalama za crypto komanso ngongole zandalama zoperekedwa ndi nsanja za DeFi. 

Mwakutero, m'magawo otsatirawa a bukhuli, tiwunika momwe mungagwiritsire ntchito izi, ndi momwe mungawagwiritsire ntchito mwayi wokulitsa chuma chanu cha crypto.

Maakaunti Osunga Ma Crypto kuma Platform a DeFi

Monga tafotokozera kale, nsanja zabwino kwambiri za DeFi zili ndi zinthu zingapo zandalama zomwe zimakonzedwa kwa okonda ma crypto. Mwa kuthekera konse, lingaliro la akaunti yosunga ndalama ya crypto likuwoneka kuti likugwidwa chidwi kwambiri. Akaunti yosungitsa ndalama za crypto ndi zomwe zimamveka - zimakupatsani mwayi wopeza ndalama pazachuma chanu.

Komabe, poyerekeza ndi machitidwe azachuma, nsanja zabwino kwambiri za DeFi zimakupatsirani chiwongola dzanja chachikulu kwambiri pamadipo anu. Musanaganize zokhala ndi ndalama mu crypto account, ndikofunikira kuti mumvetsetse momwe ntchitoyo imagwirira ntchito.

Kodi Maakaunti Akusunga a Crypto ndiotani?

Maakaunti osunga ndalama za Crypto ndi zomwe zimangonena pa malata - akaunti yosungira ndalama zanu zaku cryptocurrencies. M'malo moyika ndalama za fiat ku banki yachikhalidwe, mukukhala mukuwonjezera chuma chanu papulatifomu ya DeFi. Mukatero, mudzatha kupeza chiwongoladzanja pa ndalama zanu.

Kwenikweni, zomwe mukuchita ndikubwereketsa chuma chanu kwa obwereketsa pa nsanja yomweyo. Pobweza, amalipira chiwongola dzanja pakubwereka chuma chanu cha crypto. Mwakutero, maakaunti osunga ndalama za crypto amathandizira kulipira ngongole kwa anzawo zomwe zimaperekedwa ndi nsanja zabwino kwambiri za Defi.

Masitepe Obwereketsa a DeFi

Nthawi zambiri, papulatifomu yobwereketsa yapakati - muyenera kudutsa njira yovuta ya KYC kuti muthe kugwiritsa ntchito akaunti yosunga. Kuphatikiza apo, chiwongola dzanja chomwe chimaperekedwa chidzatsimikiziridwa ndi kampani yomwe. Mbali inayi, nsanja za DeFi zimagwira ntchito ngati njira - kutanthauza kuti zimatha kupezeka kwa aliyense popanda kutsatira njira zilizonse za KYC.

Osati zokhazo, koma maakaunti siosungidwa, kutanthauza kuti simusowa kuti mupereke ndalama zanu papulatifomu palokha. Mwakutero, mapulatifomu obwereketsa ochokera kumayiko ena ndi maakaunti osungira omwe amapereka ndi makina. Izi zikutanthauza kuti dongosolo laulamuliro liziwona chiwongola dzanja.

Nthawi zambiri, nsanja zabwino kwambiri zobwereketsa za DeFi zimakhala ndi chiwongola dzanja chosiyanasiyana potengera kupezeka ndi kufunika kwa chuma pamachitidwe omwewo. Kuphatikiza apo, wobwereka amatha kutenga ngongole mwachindunji kudzera pa nsanja ya DeFi - osafunikira njira yotsimikizira kapena kuwunika ngongole.

Timalongosola mutu wa ngongole za crypto malinga ndi momwe wobwereka amafotokozera mwatsatanetsatane gawo lotsatira la bukhuli. Komabe, pazaka zingapo zapitazi, lingaliro lakubwereketsa DeFi lakula kwambiri. Ngakhale itha kubwera ndi chiwongola dzanja chachikulu kwa obwereketsa, kusakhala kotsimikizika kumapangitsa nsanja za DeFi kukhala zokopa - makamaka kwa omwe akuwoneka kuti alibe mbiri yabwino.  

Momwe Kukongoletsa kwa DeFi Kumagwirira Ntchito?

Pamapulatifomu abwino kwambiri a DeFi, mupezanso mawu oti 'kulima zokolola' - omwe amatanthauza kuchuluka kwa ma tokeni a ERC-20 kuti mupeze chiwongola dzanja. Nthawi zambiri, maakaunti osunga ndalama za crypto komanso ulimi wolima sizimasiyana. Izi zati, mukadutsa pa nsanja ya DeFi, mudzakhala ngati wopezera ndalama. Ndiye kuti, mukasungitsa ndalama zanu, ziwonjezeredwa padziwe lokhalokha.

  • Pobwezera zakupatsidwaku, mudzalandira mphotho malinga ndi chiwongola dzanja.
  • Ma pulatifomu obwereketsa okhazikika amayendetsedwa ndi machitidwe angapo.
  • Mwachitsanzo, nsanja zabwino kwambiri za DeFi monga Compound ndi Aave apanga zolemba zawo - zomwe zimapezeka kuti aliyense athe kuzipeza.
  • Zogulitsa zonse pamapulatifomu a DeFi zimachitika kudzera m'mapangano anzeru (ma Liquidity Pools).

Izi zimatsimikizira kuti njira yobwereketsa ndi kubwereka imayendetsedwa bwino. Mapangano anzeru ndi omwe adzakwaniritse ntchito pokhapokha ngati zinthu zomwe zakonzedweratu papulatifomu zakwaniritsidwa. Mwakutero, mukatsegula akaunti yosunga DeFi, mumatumiza likulu ku mgwirizano wanzeru.

Mofananamo, mudzapeza zobwezeredwa ngati ma tokeni kapena ma digito ama digito omwe amatsimikizira kuti ndinu eni ake. Pamapulatifomu abwino kwambiri a DeFi, mapangano anzeruwa amafufuzidwa bwino ndipo amapezeka pagulu. Komabe, monga momwe mungaganizire - mungafune kudziwa pang'ono polemba kuti mutsimikizire zomwezo.

Lero, sikuti mungangotsegula akaunti yosungitsa ndalama za crypto, komanso mutha kupeza chiwongola dzanja pamatokeni ambiri a ERC-20 ndi zikhola zolimba.

Chifukwa chake, kodi muyenera kutsegula akaunti yosunga crypto papulatifomu ya DeFi? Monga momwe mungaganizire, phindu lalikulu lotsegulira akaunti yosunga ndalama ya crypto ndi kulandira chiwongola dzanja. M'malo mongosunga katundu wanu wa digito muchikwama chanu, mudzatha kulandira ndalama zambiri kuposa zomwe mudapereka. Chofunikira, simusowa kukweza chala - chifukwa ndalama zanu zidzabwezedwa kwa inu osangokhala.

Komabe, masiku ano, osunga ndalama ambiri amasankha kubwereketsa ndalama zachangu monga DAI. Izi zikuthandizani kukulitsa likulu lanu popanda chiwopsezo chazovuta zomwe zimakhudzidwa ndi ma cryptocurrensets wamba. Kuphatikiza apo, nsanja zambiri za DeFi zimakulolani kuti muzigwiritsa ntchito ma tokeni awo olamulira.

Kukuthandizani kumvetsetsa momwe maakaunti osungira ndalama a crypto amagwirira ntchito, tapanga chitsanzo pansipa chomwe chikufotokoza zofunikira zonse.

  • Tiyerekeze kuti mukuyang'ana kuti mutsegule akaunti yosungira ndalama ya Ethereum.
  • Mukupita papulatifomu yanu ya DeFi yomwe mwasankha kuti mukhazikitse akaunti yanu yosungira ma crypto.
  • Lumikizani nsanja yanu ya DeFi ku chikwama chanu cha cryptocurrency.
  • Sankhani Ethereum pamndandandanda wa ndalama zothandizidwa kuti zibwereke.
  • Pulatifomu ikuwonetsani kuchuluka kwa chidwi chomwe mudzalandire pamtengo wanu.
  • Sankhani kuchuluka kwa Ethereum yomwe mukufuna kuyika.
  • Mukakonzeka - tsimikizani ndalama.

Kumbukirani kuti pamapulatifomu ambiri, zochitika zoterezi zimakuwonongerani ndalama zamafuta. Mwakutero, onetsetsani kuti mwayang'ana mtengo wake musanakhazikitse akaunti yanu yosungira ndalama ya crypto. Tsopano, monga tidakambirana kale - mukamalemba ndalama za crypto, mukukhala ngati wobwereketsa a crypto.

Ambiri mwa nsanja za DeFi zimaperekanso ngongole za crypto - kulola ena kubwereka katundu wanu. Poterepa, mugwiritsa ntchito chuma chanu ngati chikole, m'malo moziika muakaunti yosungira.

M'gawo lomwe lili pansipa, tikufotokozera momwe mungapindulire ndi ngongole za crypto pamapulatifomu abwino kwambiri a DeFi.

Ngongole za Crypto kuma Platform a DeFi

Ngati mumakonda kwambiri crypto, mwina mukudziwa kale lingaliro la njira 'yogulira ndikugwira'. Mwachidule, mukakhala 'HODLing' katundu wanu wa digito, mukuwasunga mchikwama chotetezeka - mpaka mutakonzeka kutuluka.  Komabe, momwe zimapitilira, mukungosiya ndalama zanu kukhala mchikwama.

Ngongole za Crypto ndi nsanja zobwereketsa zimapereka yankho lina pa izi - pomwe mutha kugulitsa katundu wanu wa crypto kuti mulandire ngongole.  Mwachidziwikire, ngongole za crypto zimagwira ntchito ngati ndalama zosunga ndalama. M'malo mokhala wobwereketsa ndikupeza chiwongola dzanja pazinthu zanu, mudzakhala mukugwiritsa ntchito ndalama zanu monga chikole kuti mupeze ngongole.

Kodi Ngongole za Crypto ndi Chiyani?

Pazogulitsa zamtundu uliwonse, kupezeka kwachimake ndi chimodzi mwazinthu zazikulu. Mwanjira ina, ndibwino kuti mutha kutulutsa chuma chanu nthawi iliyonse. Komabe, mosiyana ndi zotetezedwa zachikhalidwe, msika wa cryptocurrency ndi wosiyana pang'ono. 

Mwachitsanzo: 

  • Tiyerekeze kuti muli ndi BTC 10, koma mukuyang'ana ndalama zina.
  • Popeza msika wapano, simukufuna kugulitsa zomwe muli nazo chifukwa mukuyembekeza kuti mtengo wa BTC uwonjezeka kwambiri mtsogolo. 
  • Mwakutero, simukufuna kutsitsa crypto yanu, chifukwa mukaigula tsiku lina - mutha kukhala ndi Bitcoin yocheperako.

Apa ndipomwe nsanja zobwereketsa ndalama zimayamba.  Zikatere, mutha kugwiritsa ntchito Bitcoin yanu ngati chikole, kuti mulandire ngongole yomwe imalipiridwa mu crypto kapena fiat currency.  Komabe, poganizira za kusakhazikika kwa ndalama za cryptocurrency, muyenera kugulitsa BTC yochulukirapo kuposa mtengo wa ngongole yomwe mumalandira. 

Typically, ngongole zoterezi zimafunikanso kuti mulipire ndalama zochepa. Izi zidzasiyana pamtundu wa DeFi wina ndi mzake. Mwachitsanzo, pa Nexo, mutha kupeza ngongole ya crypto kuchokera ku 5.9% APR yokha. Pomwe pa BlockFi, mutha kupeza chiwongola dzanja chotsika 4.5%. 

Mukabweza ngongoleyo limodzi ndi chiwongola dzanja, chuma chanu cha crypto chidzabwezedwa kwa inu. Ndalama zanu za crypto zidzangokhala pachiwopsezo ngati mungalephere kubweza ngongoleyo, kapena phindu la ndalama zanu. Poterepa, muyenera kuwonjezera chikole. 

Chimodzi mwamaubwino akulu a ngongole za crypto ndikuti simukuyenera kutsimikiziridwa kapena kufufuzidwa ngongole. Mwanjira yosavuta, poyerekeza ndi kubanki kwachikhalidwe - kubwereketsa kwa crypto kumapezeka mosavuta. Mwakutero, simuyenera kuyang'aniridwa ndi macheke kutengera mbiri yanu ya ngongole kapena zomwe mwapeza. Ma pulatifomu abwino kwambiri a DeFi amakulolani kuti musankhe momwe ngongole ingakuthandizireni, zomwe zimakupatsani mwayi wosinthasintha. 

Ngongole za DeFi Crypto Zosagwirizana 

Ngakhale madera ambiri apakati a crypto amafuna kuti muike chikole, mutha kupezanso nsanja za DeFi zomwe zimakupatsani ngongole popanda kusungitsa aliyense chuma.  Izi zimatchedwa ngongole zosatetezedwa za crypto, zomwe zimapatsa mwayi kwakanthawi kochepa.

 

Mwachitsanzo, imodzi mwamasamba abwino kwambiri a DeFi - Aave, amakupatsani mwayi wopeza ngongole za Flash - momwemo, simudzafunikanso kupereka chikole chilichonse.  M'malo mwake, mudzatha kubwereka chuma bola mukabweza ngongoleyo pakampani imodzi ya blockchain. 

Komabe, ngongole zosatetezedwa zoterezi zimapangidwa makamaka kwa opanga. Izi ndichifukwa choti muyenera kupanga mgwirizano wanzeru kuti mupemphe ngongole, ndikubwezerani momwemo.  Mwakutero, ngati mukuyang'ana kuti mutenge mwayi wa ngongole za crypto popanda kolala iliyonseeral, onetsetsani kuti muli otsimikiza za momwe njirayi imagwirira ntchito. 

Madongosolo Akukongoletsa a DeFi 

Monga mukudziwira, nsanja zabwino kwambiri za DeFi ndizokhazikitsidwa, momwe zosinthazo zimachitikira, m'malo mochitiridwa ndi anthu. Mwachitsanzo, ma DeFi omwe amapereka ngati Aave ndi Compound amagwiritsa ntchito maukadaulo anzeru omwe amagwiritsa ntchito ma algorithms omwe amayendera pama protocol ake kuti apange ngongole zanyumba zokha. 

Kuphatikiza apo, ndondomeko izi ndizowonekera bwino, chifukwa zimamangidwa pa blockchain. Mosiyana ndi mapulatifomu apakati, palibe mabungwe owongolera - ndichifukwa chake mumatha kupeza ngongole za crypto osamaliza njira yotsimikizira.  Kuphatikiza apo, mutha kupeza ngongole za crypto mu fiat currencies, ndalama za DeFi, kapena ndalama zolimba monga USDT. 

Momwe DeFi Crypto Ngongole imagwirira ntchito

Pofuna kuchotsa utsi, tapanga chitsanzo cha momwe ngongole ya crypto imagwirira ntchito moyenera.

  • Tiyerekeze kuti mukufuna kutenga ngongole ya crypto pogwiritsa ntchito ndalama zanu za BTC ngati chikole.
  • Mukufuna ngongole ku UNI.
  • Izi zikutanthauza kuti muyenera kuyika mtengo wapano wa UNI imodzi ndi BTC.
  • Malinga ndi mtengo wamsika wapano, UNI imodzi ndiyofanana ndi 0.00071284 BTC.
  • Omwe adakusankhirani ma crypto amakulipirani chiwongola dzanja cha 5%.
  • Pambuyo pa miyezi iwiri, ndinu okonzeka kubweza ngongole ndikuwombola Bitcoin yanu.
  • Izi zikutanthauza kuti uyenera kuyika ngongole ku UNI kuphatikiza 5% mu chiwongola dzanja.
  • Mukabweza ngongoleyi, mudzalandiranso gawo lanu la Bitcoin.

Monga mukuwonera, muchitsanzo ichi - mudalandira ngongole yanu ku UNI osagulitsa Bitcoin yanu. Kumbali ina ya malonda, wobwereketsa wa crypto adalandira UNI yawo yapachiyambi, komanso chiwongola dzanja cha 5%. Izi zati, ndikofunikira kuzindikira kusakhazikika pamsika wa cryptocurrency womwe.

Mwakutero, mungafunikire kuti mugwirizane kwambiri. Mwachitsanzo, pa MakeDAO - mudzafunika kuyika chiphaso chokwanira 150% pamtengo wa ngongole yanu. Chifukwa chake, tinene kuti mukufuna kubwereka UNI $ 100. Pa MakerDAO - uyenera kuyika $ 150 ya BTC ngati chikole kuti mutenge ngongoleyi.

Ngati mtengo wa gawo la BTC utsikira pansi pa $ 150, mungafunike kulipira chindapusa. Komabe, ngongole za crypto ikhoza kukhala imodzi mwanjira zothandiza kwambiri kuti mupindule ndi danga la DeFi. Sizingokupatsirani mwayi wopeza ndalama nthawi yomweyo komanso kukupulumutsani ku zovuta zakuyenda munjira zachuma.

Ndalama Zabwino Kwambiri za DeFi - Mfundo Yofunika Kwambiri

Pomaliza, makampani a DeFi amasintha nthawi zonse. Mu kanthawi kochepa chabe, nsanja za DeFi zakwanitsa kukula kuchokera pakukhala gawo loyesera zachuma mpaka chilengedwe chachikulu chomwe chili lero. Ngakhale zitha kuwoneka ngati gawo labwino pakadali pano, ndizotheka kuti ntchito za DeFi zithandizidwa posachedwa ndi msika wokulirapo. 

Chodabwitsachi chikakhala chofala, magawo osiyanasiyana a DeFi adzayamba kulowa m'moyo watsiku ndi tsiku komanso zandalama. Mwanjira ina, DeFi ili ndi mwayi wosintha dziko lazachuma monga tikudziwira. 

Komabe, ndikofunikira kukumbukira kuti msika wazachuma wokhazikitsidwa ndi anthu akadali watsopano. Monga ndalama zina zilizonse, pali zoopsa zomwe zingachitike pano. Mwakutero, mudzawona kuyenera kuchita khama kwanu ndikuzindikira momwe dongosolo lazachuma latsopanoli likusinthira. 

FAQs

DeFi ndi chiyani?

DeFi imayimira ndalama zothandizidwa - lomwe ndi dzina lomwe limaperekedwa kuzithandizo zachuma zomwe zilibe ulamuliro. Kuti ndikupatseni lingaliro labwinoko, magawo ambiri azachuma masiku ano amalamulidwa ndi kampani imodzi. Poyerekeza, nsanja ya DeFi imayendetsedwa ndi protocol yolamulira yomwe imamangidwa pa blockchain ndipo imagwiritsidwa ntchito pogwiritsa ntchito katundu wokhazikika monga ma cryptocurrensets.

Kodi ntchito ya DeFi ndi chiyani?

DeFi ndi gawo lomwe likukula mwachangu. Lero, mutha kupeza nsanja zingapo za DeFi zopereka mautumiki apadera. Izi zikuphatikiza kusinthana, kubwereketsa, kubwereka, inshuwaransi, kasamalidwe ka chuma, ndi mabungwe ena omwe samayang'aniridwa ndi bungwe lililonse.

Kodi tokio ya DeFi ndi chiyani?

Ma nsanja ambiri a DeFi akhazikitsa chikwangwani chawo cha DeFi chomwe chingathandize pakuwongolera njira zake. Omwe ali ndi ma tokeni achibadwidwe amatha kulandira ufulu wovota pazachilengedwe za DeFi.

Kodi ndalama zabwino kwambiri za DeFi ndi ziti?

Ma tokeni abwino kwambiri a DeFi akhala akuchulukirachulukira kuyambira koyambirira kwa 2021. Nthawi yolemba - ena mwa ma tokeni abwino kwambiri a DeFi kutengera msika wamsika ndi UNI, LINK, DAI, ZRX, MKR, COMP, ndi CAKE.

Momwe mungasankhire ndalama zabwino kwambiri za DeFi kuti muzigwiritsa ntchito?

Monga chuma chilichonse chogulitsidwa, ndizosatheka kuneneratu ndalama za DeFi zomwe zingabweretse ndalama zambiri. Komabe, mutha kumvetsetsa bwino msika wa DeFi pophunzira zama protocol osiyanasiyana a DeFi ndi momwe amagwiritsira ntchito.