UBrian Brooks, intloko ye IOfisi yoMlawuli weeMali yase-US, Ubhale malunga nokwenzeka kwe-DeFi ukuvula indlela yeebhanki zokuziqhuba. Njengomntu obalaseleyo nothandekayo kuluntu lwe-crypto, i-Brooks iphinde yalixhasa ityala letekhnoloji eseleyo ngokuxoxa ngamacala aqinisekileyo eDeFi.
I-Brooks iqaphela ukuba abantu mabazilungiselele ukuziqhuba ngeebhanki kwixa elizayo njengoko babekhe bacinga ukuziqhuba iimoto kwii-60s zakudala.
Umzi mveliso weemoto uzise ezi moto zekamva kude kakhulu kunoko kulindelweyo, ngakumbi abalawuli bezomthetho nezokhuseleko. Kananjalo, izithuthi ezizimeleyo zazisa umngcipheko omtsha kwihlabathi lanamhlanje elingazange liziqwalasele- kungekho arhente zilawulayo.
Ngokoluvo lukaBrian Brooks, icandelo lebhanki libhekisa kwindlela enye. Ukuxhotyiswa ngamandla e-decentralized finance (DeFi), itekhnoloji ye-blockchain ephazamisayo inesakhono sokuguqula ngokupheleleyo indlela abantu bale mihla abaphatha ngayo ezemali.
Kwintloko ye Umlawuli omkhulu webhanki eMelika, ukhuseleko lubalulekile kulo lonke iziko lemali. Amagosa, afana namagosa aziintloko emingcipheko kunye nabaphathi abaziintloko boPhicotho-zincwadi, ikakhulu banoxanduva lwalo mba. Ngaphaya koko, i-Brook's yongeza ukuba balawula oobhanki hayi iibhanki.
I-DeFi izisa ukujija kulo myalelo wendabuko njengoko izisa itekhnoloji ye-blockchain. Ngazo zonke iindlela, isusa ngokupheleleyo imfuno yokunxibelelana kwabantu kunye nokulamla. Abaphuhlisi banako ngokwabo ukwenza iimarike zemali ezipheleleyo ezisebenzisa amaxabiso aqhelekileyo amiselwe yikomiti yebhanki.
Abanye baba bathandi bobuchwephesha bade benze notshintshiselwano olusemthethweni olwenziwa ngaphandle kwabarhwebi, amagosa emali mboleko, okanye iikomiti zeentengo zemboleko. Intloko ye-OCC ithi ezi zinto zintsha azincinci, zibabiza ngokuba ziibhanki zokuziqhuba.
UBrian Brooks ucebisa ngezeMali zeLifa kuTshintsho kwiibhanki zokuziqhubela i-DeFi
Imigaqo-nkqubo ye-DeFi zisa zombini imiceli mngeni kunye nezibonelelo kumntu ophakathi, kakhulu njengezithuthi ezizimeleyo. Amacala aqinisekileyo kukuba abasebenzisi banokufumana awona manqanaba aphezulu enzala ngokusebenzisa ii-algorithms kwaye banqande ucalucalulo oluqhutywa ngababoleki.
Ulwakhiwo lonke lunokuthintela urhwaphilizo lwangaphakathi kunye nenkohliso ngokungabinamaziko emali aqhutywa ngabantu.
Nangona kunjalo, kukho iingozi ngokunjalo. Imali eyabelwe imali izisa umngcipheko wokuhlawula amatyala, ukungazinzi kweeasethi eziphezulu, kunye nolawulo lwesibambiso semali mboleko.
Njengakwimeko yeemoto eziqhuba ngokwakho, abalawuli bomdibaniselwano banokutsiba ukuzalisa isithuba. Ngokwenza njalo, iziphumo ziya kuba kukudala imithetho engahambelaniyo ethintela ukukhula kweemarike.
Ekugqibeleni, ingxelo kaBrian Brook yeyokuba abalawuli bemanyano kufuneka benze imigaqo ecacileyo, emfutshane kunye nengaguqukiyo.
Ukhuthaza ukuhlaziywa kwemithetho yebhanki yakudala yenkulungwane yama-20 ethintela imibutho engeyoyabantu ukuba ibe namalungelo afanayo neebhanki. Ukubabiza ngokuba 'yimithetho yakudala' uyakuxhasa ukuphunyezwa kwemimiselo yanamhlanje apho iDeFi inokusebenza kwilizwe lokwenyani.
Ngaphaya koko, i-Brooks iphikisana notshintsho olupheleleyo lwemali yelifa ukuya kwezemali. Kuye, kudala umhlaba ngaphandle kweempazamo zabantu kunye nemikhwa emibi. Ngokukodwa, uthi:
“Ngaba singangenisa ikamva apho siyakususa khona impazamo, siyeke ucalucalulo, kwaye siphumelele ukufikelela kuluntu lonke? Abantu abalungileyo njengam bacinga njalo. Ngeyahluke njani kwiibhanki zase-US namhlanje ukuba abalawuli, abagcini bebhanki, kunye nabenzi bomgaqo-nkqubo bebenesibindi njengabenzi bemoto kwiminyaka eli-10 eyadlulayo? ” Utsho Intloko yeofisi yoMlawuli weeMali uBrian Brooks
Izimvo (Hayi)