Indlela yokuTyala imali kwiDeFi? Isikhokelo sabaQalayo bokwenza imali kwi-DeFi

I-Decentralized finance (DeFi) ikhula ngesantya esicacileyo. Eli candelo livumela abatyali-mali ukuba benze imali ngeemveliso ezahlukeneyo kunye neenkonzo - kubandakanywa kodwa kungaphelelanga ekulimeni isivuno, ukubethelwa, i-akhawunti yenzala, kunye nokunye.

Kwesi sikhokelo sabaqalayo, sichaza indlela yokutyala imali kwi-DeFi namhlanje ukuze uqalise ukuvelisa isivuno esinomtsalane kwinkunzi yakho.

Uluhlu lweendlela ezilungileyo zoTyalo mali kwiDeFi 

Ngezantsi, uya kufumana uluhlu lweendlela ezilungileyo zokutyala imali kwiDeFi namhlanje:

1. Tyala kwiiTokens zeDeFi -Iyona ndlela ilungileyo yokuTyala imali kwiDeFi
2. DeFi Staking -Fumana i-APY enomtsalane yokutshixa ii-Crypto Tokens zakho
3. Ukulima kweDeFi yokuLima –Velisa iSivuno ngokuBonelela ubuNinki kwiDefi Exchange
4. IiAkhawunti zoMdla zeDeFi -Idiphozithi ye-Crypto Tokens kwi-Akhawunti yoLondolozo ukuze ufumane iNzala
5. Imali-mboleko yeDeFi -Yandisa ukuVezwa kwakho kwi-DeFi ngeMali-mboleko eKhuselekileyo ye-Crypto

Sixoxa ngotyalo-mali lweDeFi olungentla ngokweenkcukacha ezinkulu kuso sonke esi sikhokelo.

Jonga ngokweenkcukacha ezona ndlela zilungileyo zokutyala imali kwi-DeFi ngo-2022

Zininzi iindlela onokuthi utyale imali kwi-DeFi usuka kuthuthuzele ekhaya.

Imveliso nganye yotyalo-mali yeDeFi kunye/okanye inkonzo iya kuza nemingcipheko yayo kunye nemivuzo enokubakho. Ke ngoko, kubalulekile ukuba ube nokuqonda okuqinisekileyo kotyalo-mali olufanelekileyo lwe-DeFi ngaphambi kokuba ubeka umngcipheko kuyo nayiphi na imali.

Kula macandelo angezantsi, sijonga iinkcukacha zezona ndlela zilungileyo zokutyala imali kwi-DeFi ngo-2022.

1. Tyala imali kwiiTokens zeDeFi - iyonke eyona ndlela ilungileyo yokuTyalela imali kwiDeFi

Singaxoxa ukuba eyona ndlela ilungileyo yokutyala imali kwi-DeFi ngo-2022 kukongeza iithokheni zeDeFi ezikumgangatho ophezulu kwipotifoliyo yakho. Ngamafutshane, ezi ziiprojekthi ze-cryptocurrency ezibandakanyeka ngokuthe ngqo kwicandelo lezemali elinikezelweyo. Oku kunokusuka kwinani leengile ezahlukeneyo.

Ngokomzekelo, ezinye iithokheni zeDeFi zibandakanyeka ekuboneleleni ngeenkonzo mboleko, ngelixa ezinye zibonelela ngokutshintshiselana ngokusemthethweni. Emva koko unamathokheni e-DeFi anikezela ngetekhnoloji ye-algorithmic stablecoin kunye nezo zakha ukufikelela kwi-Metaverse. Nokuba yeyiphi na indlela, ngokutyala imali kwithokheni yeDeFi oyikhethileyo, ufumana ukuvezwa ngokuthe ngqo kweli candelo.

Omnye umzekelo onjalo weprojekthi ekhulayo kule ndawo yi-DeFi Coin (DEFC). Le mali yedijithali ibuyisela utshintshiselwano lwe-DeFi Swap - olunika uluhlu olubanzi lweenkonzo zezimali ezinatyisiweyo. Oku kubandakanya yonke into ukusuka kwi-token swaps kunye nokulima kwesivuno ukuya kwi-staking kunye ne-NFTs. I-DeFi Coin ngokwayo iza nenani leemetrikhi ezinomdla.

Okokuqala nokuphambili, xa umntu ethengisa i-DeFi Coin – nokuba loo nto ikutshintshiselwano oluphakathi okanye olunabileyo, i-10% iya kuthatyathwa kwintengiselwano ngokuzenzekelayo. Ngokomzekelo, ukuba umrhwebi uthengisa i-$ 1,000 ye-DeFi Coin, i-$ 100 iya kuhlawuliswa irhafu. Kule 100 yeedola, i-$ 50 iya kuhanjiswa kubanikazi be-DeFi Coin abakhoyo ngeprogram ye-dividend.

Enye i-$ 50 iya kongezwa kwi-pool ye-liquidity ye-DeFi Coin. Okubaluleke kakhulu, ngokuthenga nokubamba i-DeFi Coin ekuhambeni kwexesha, uya kuxhamla ekukhuleni kokutshintshana kwe-DeFi. Kwaye okoko usabambe, uya kuba nelungelo kwisabelo sakho sokurhola iintlawulo zesahlulo.

Indlela yokuTyala imali kwiDefi Coin

Ukuba uyathanda isandi se-DeFi Coin kwaye unqwenela ukongeza le mali yedijithali entsha kwipotfoliyo yakho namhlanje, ungakwenza oko ngokulandela la manyathelo alula achazwe ngezantsi:

Inyathelo 1: Fumana iWallet exhasa iiTokens zeBSc

I-DeFi Coin yi-crypto token esebenza phezulu kwe-Binance Smart Chain (BSc). Ke ngoko, ukuze utyale imali kwi-DeFi Coin namhlanje, inyathelo lokuqala kukuqinisekisa ukuba une-wallet enokunxibelelana nenethiwekhi ye-BSc.

Olona khetho ludumileyo kwimarike yeBSc yiTrust Wallet kunye neMetaMask. Ngelixa zombini ezi zipaji ziza kwi-iOS kunye ne-Android app, i-MetaMask iyafumaneka njengesandiso sesiphequluli.

Unokufunda ngakumbi kwi:

• Uyithenga njani i-DeFi Coin nge-Trust Wallet
• Ungayithenga njani i-DeFi Coin ngeMetaMask

Inyathelo 2: Dlulisa i-BNB kwi-BSc Wallet 

Nje ukuba ukhethe kwaye ufake isipaji esifanelekileyo, kuya kufuneka ke ufake iithokheni zeBNB. Oku kungenxa yokuba i-DeFi Coin idityaniswe ngokuthe ngqo kunye ne-BNB kwi-Binance Smart Chain.

Zombini i-Trust Wallet kunye ne-MetaMask zikuvumela ukuba uthenge i-BNB nge-credit card/debit card ngqo kwi-wallet. Le yindlela efanelekileyo yokongeza i-BNB kwi-wallet yakho, nangona, bobabini aba baboneleli basebenzisa iiprosesa zokuhlawula umntu wesithathu - oku kuthetha ukuba iintlawulo zinokuphezulu.

Enye indlela enkulu apha kukuthenga i-BNB eBinance. Ngokwenza njalo, uya kuhlawula umrhumo oqhelekileyo we-2% xa usebenzisa ikhadi lekhredithi / i-debit card - nangona umrhumo othile uya kuxhomekeka kwindawo yakho.

Ngayiphi na indlela, ukuba usebenzisa utshintshiselwano lwangaphandle ukuze uthenge i-BNB, kuya kufuneka udlulisele amathokheni kwisikhwama sakho se-BSc esikhethiweyo.

Inyathelo 3: Qhagamshela i-BSc Wallet kuTshintsho lwe-DeFi

Ukuba ngeli nqanaba une-BNB kwi-wallet yakho, emva koko uqhubeke nokutyala imali kwi-DeFi Coin ngokutshintshiselana ngeDeFi. Xa ukhetha uTshintsho lwe-DeFi ukuze ugqibezele ukuthenga kwakho, akuyi kufuneka uvule i-akhawunti okanye unikeze naluphi na ulwazi lomntu.

Endaweni yoko, ungatyala imali kwi-DeFi Coin kutshintshiselwano lweDeFi ngokudibanisa isipaji sakho.

Xa sele ukwi Utshintshiselwano lweDeFi, cofa kwiqhosha elithi 'Qhagamshela kwiWalethi'.

• Ukuba usebenzisa iMetaMask, cofa kukhetho olufanelekileyo
• Ukuba usebenzisa i-Trust Wallet, okanye nasiphi na esinye isipaji se-BSc ngalo mba, cofa ku-'WalletConnect' kwaye uskene ikhowudi ye-QR evela kwiscreen sakho.

Kungakhathaliseki ukuba yeyiphi i-wallet oyisebenzisayo, kuya kufuneka uqinisekise ugunyaziso kwi-DeFi Swap exchange. Le yinkqubo ekhuseleke kakhulu kwaye ibaluleke kakhulu - Ukutshintshana kweDeFi soze ibe nokufikelela kwizitshixo zakho zabucala.

Inyathelo lesi-4: Seta i-Order kwaye uTyale imali kwi-DeFi Coin

Ekugqibeleni, ngoku unokuseta iodolo yokutyala imali kwi-DeFi Coin. Okokuqala, qinisekisa ukuba i-'BNB' kunye 'ne-DEFC' zisetwe njenge 'Swap From' kunye 'Swap to' mali, ngokulandelelanayo.

Ngokusisiseko, iodolo yakho yokutshintsha kufuneka ijongeke njengalo mfanekiso ungasentla. Okulandelayo, ecaleni kwalapho ithi 'BNB', kuya kufuneka ufake inani leethokheni ofuna ukutshintshela kwi-DeFi Coin.

Xa uchwetheza umzobo, inani elihambelanayo leethokheni zeDeFi Coin liya kuhlaziya ngokusekelwe kwinqanaba lokutshintshiselana kwangoku le-BNB / DEFC.

Emva kokuqinisekisa utshintsho, isaziso esiphumayo siya kuvela kwi-wallet edityaniswe ngoku kwi-DeFi Swap. Nje ukuba uqinisekise ugunyaziso, isivumelwano se-DeFi Swap smart siya kugqiba ukuguqulwa kwaye emva koko songeze iithokheni ze-DeFi Coin kwi-wallet yakho.

Akukho siqinisekiso sokuba uya kwenza imali xa utyala kule okanye nayiphi na imveliso okanye inkonzo ye-DeFi. Qhubeka ngomngcipheko wakho. 

2. I-DeFi Staking - Fumana i-APY ekhangayo yokuTya i-Crypto Tokens yakho

Imveliso elandelayo ekuvumela ukuba utyale imali kwi-DeFi ukusuka kwintuthuzelo yekhaya ibambekile. Ngamafutshane, i-staking ifuna ukuba utshixe iithokheni zakho kwinethiwekhi ye-blockchain ngenani elithile leentsuku. Oku kuvumela i-blockchain ukuba igcine inethiwekhi igxininiswe kwaye emva koko iqinisekise kwaye iqinisekise ukuthengiselana ngaphandle kokufuna inkonzo yomntu wesithathu.

I-Staking ikwabonelelwa ngeeprojekthi zokukhuthaza abantu ukuba babambe iithokheni zabo kwixesha elide, nto leyo enceda ekunciphiseni amanqanaba okuguquguquka kwemeko yendalo. Nokuba yeyiphi na indlela, ngokubeka iithokheni zakho, uya kufumana inzala enomtsalane. Izinga elithile, nangona kunjalo, linokwahluka kakhulu ngokuxhomekeke kuphawu olubambeleyo.

Ngokomzekelo, i-DeFi Coin ivumela abanini ukuba bafake iithokheni zabo kwi-APY ukuya kwi-75%. Oku kungenxa yokuba i-DeFi Coin isekwinqanaba layo lokukhula, ngoko ke kuyafuneka ukuba inike isivuno esiphezulu. Kwelinye icala, iiprojekthi ezisekiweyo nezinexabiso elikhulu ezifana ne-BNB ziya kubonelela nge-APY ephantsi kakhulu kwizivumelwano ezibambeneyo.

Nangona kunjalo, uya kuhlala unokhetho oluninzi xa kufikwa kwixesha elimiselweyo. Ngokomzekelo, xa ubeka amathokheni kwi-DeFi Swap, unokukhetha kwithuba le-1, 3, 6, okanye iinyanga ezili-12. Kubalulekile ukukhumbula ukuba xa iithokheni zakho zivaliwe kwi-staking term, awuyi kukwazi ukufikelela kuzo.

Oku kungenxa yokuba amathokheni avalelwe kwikhontrakthi ehlakaniphile - engenako ukulungiswa okanye ukuguqulwa. Ke ngoko, qiniseka ukuba ukhululekile ukutshixa iithokheni zakho kulo lonke ixesha. Enye into ekufuneka uyiqaphele ukuba kwiimeko ezininzi, ixesha elide olikhethayo, kokukhona uphezulu i-APY oya kuhlawulwa ngayo.

Umzekelo obalaseleyo

Ukuqinisekisa ukuba utyalo-mali kwi-DeFi staking ilungile kuwe, qwalasela lo mzekelo ungezantsi:

• Masithi uthathe isigqibo sokubeka iithokheni ze-DeFi Coin ezingama-10,000
• Ukhetha ixesha leenyanga ezi-6 kwi-DeFi Swap exchange - evelisa i-APY ye-60%
• Emva kweenyanga ezintandathu, iithokheni zakho ze-DeFi Coin eziyi-10,000 zifakwe kwi-wallet yakho.
• Kwakhona ufumana imivuzo yakho staking, leyo isixa 3,000 DeFi Coin iithokheni
• Ngokunjalo, ibhalansi yakho iyonke ngoku yi-13,000 DEFC

Ukuba uyazibuza ukuba ungayibala njani imivuzo yakho kwi-APY exeliweyo, oku kuthe ngqo.

Kulo mzekelo ungasentla, sikhethe i-60% APY, okuthetha ukuba ukuba siye sabeka amathokheni unyaka omnye, besiya kufumana i-6,000 DEFC yethu yokuqala ye-10,000 DEFC. Nangona kunjalo, sikhethe ixesha leenyanga ezintandathu, kwaye sifumana kuphela i-3,000 DEFC.

Isiphumo sokuguquguquka 

Ngaphambi kokuba utyale imali kwi-DeFi staking, kuya kufuneka uqwalasele izinto ezilungileyo kunye neengxaki zomngcipheko wokuguquguquka. Oku kungenxa yokuba xa amathokheni akho ekhutshiwe kwikhontrakthi ebukhali, unokuqiniseka ukuba ixabiso labo lemarike liya kuba litshintshile. Ngokuqinisekileyo, oku kunokuya ekuthandeni kwakho okanye ngokuchasene nawe.

• Ukuhamba phambili ukusuka kumzekelo wangaphambili, siya kuthi xa ufaka i-10,000 yeempawu ze-DeFi Coin, i-DEFC eyi-1 yayixabisa i-$ 1.
• Oku kuthetha ukuba utyalo-mali lwakho lulonke ngexesha lediphozithi lifikelele kwi-10,000 yeedola.
• Emva kweenyanga ezintandathu, siya kuthi i-DEFC yayirhweba nge-2 yeedola ngophawu.
• Ufumene i-13,000 ye-DEFC exhaswayo emva kokuba iinyanga ezintandathu zidlulile, ngoko lixabiso lilonke le-$26,000.
• Oku kuguqulela kwinzuzo ye-16,000 yeedola ukusuka kwi-10,000 yotyalo-mali lwakho lokuqala.

Nangona kunjalo, i-DEFC yayinokurhweba ngexabiso elingaphantsi kwe-1 yeedola emva kokuba ixesha leenyanga ezintandathu lidlulile.

• Umzekelo, masithi i-DeFi Coin yayirhweba nge-0.50 yeedola ngelo xesha wawufumana iithokheni zakho ezingama-13,000.
• Kule meko, utyalo-mali lwakho lulonke bekuya kuba nexabiso le-6,500 yeedola - okuthetha ukuba kwimali yakho yokuqala ye-10,000 yeedola - wenze ilahleko ye-3,500 yeedola.

Ekugqibeleni, khumbula nje ukuba ngelixa uya kwandisa inani lamathokheni onawo xa utyala imali kwi-DeFi staking, kufuneka ucinge ukuba ngexesha lokuphela kwexesha, banokuthengisa ngexabiso eliphantsi.

Indlela yokutyala imali kwi-DeFi Staking 

Uphononongo olukhawulezileyo lwendlela yokutyala imali kwi-DeFi staking, jonga i-walkthrough engezantsi:

• inyathelo 1: Ndwendwela iDeFi Swap - Ekuqaleni, ndwendwela utshintshiselwano lweDeFi kwaye ucofe ku-'Fama'.
• inyathelo 2: Qhagamshela iWallet kuTshintsho lweDeFi -Okulandelayo, cofa ku-'Qhagamshela iWallet'. Khetha isipaji osithandayo kwaye ugunyazise uqhagamshelo kwi-DeFi Swap.
• inyathelo 3: Khetha uphawu lweStaking -Ngoku ukuba i-wallet yakho iqhagamshelwe kwi-DeFi Swap, unokukhetha ithokheni onqwenela ukuyibamba.
• inyathelo 4: Khetha Ixesha Lokubamba -Khetha ixesha olikhethayo lokumisela ukusuka kwi-30, 90, 180, okanye kwiintsuku ezingama-365.
• inyathelo 5: Qinisekisa isiVumelwano seStaking – Inyathelo lokugqibela kukuqinisekisa isivumelwano sokubambelela nge-wallet yakho eqhagamshelweyo.

Nje ukuba uqinisekise yonke into, iithokheni zakho ziya kufakwa kwi-DeFi Swap yoqhagamshelwano oluhlakaniphile. Emva kokuba ixesha olikhethileyo lidlulile, uya kufumana idiphozithi yakho yokuqala ecaleni kwayo nayiphi na imbuyekezo ekhoyo oyenzileyo.

Funda Okuninzi: Unokufunda isikhokelo sethu esipheleleyo kwinani Apha.

Akukho siqinisekiso sokuba uya kwenza imali xa utyala kule okanye nayiphi na imveliso okanye inkonzo ye-DeFi. Qhubeka ngomngcipheko wakho. 

3. ULimo lwe-DeFi Yield – Veza iMvuno ngokuBonelela uBunyibiliko kuTshintsho lweDeFi

Enye indlela edumileyo yokutyala imali kwi-DeFi kukulima isivuno. Oku kufana nokokuba uya kube uboleka iithokheni zakho kwikhontrakthi ehlakaniphile yeDeFi ngombono wokuvelisa inzala. Nangona kunjalo, ukufuya isivuno kwahlukile ngengqiqo yokuba uya kubeka iithokheni zakho kwidama le-liquidity.

Idama le-liquidity ekuthethwa ngalo liya kuvumela abathengi kunye nabathengisi ukuba bathengise iithokheni kwindawo ephantsi kolawulo. Ichibi ngalinye le-liquidity, ke ngoko, libandakanya isibini sokurhweba - njenge-DEFC/BNB okanye i-BTC/BUSD. Njengomtyali-mali, kuya kufuneka ukuba ufake idiphozithi yomibini imiqondiso yesi sibini.

Ayisiyiyo loo nto kuphela, kodwa kufuneka unikezele ngeemali ezilinganayo zophawu ngalunye ngokwexabiso lemarike langoku lazo zombini iiprojekthi. Umzekelo, masicinge ukuba ujonge ukongeza amanzi kwi-BNB/DEFC ngababini. Siya kuthi ngelo xesha, i-BNB inexabiso lemarike ye-300 yeedola kunye ne-DEFC kwi-1 yeedola.

Oku kuthetha ukuba yonke 1 BNB ukuba idiphozithi ($ 300), kuya kufuneka kwakhona ukudlulisela 300 DEFC ($300). Ekufakeni i-$ 300 yophawu ngalunye, intlawulo yakho iyonke yi-$ 600. Ngokubhekiselele kwiinzuzo zotyalo-mali kwi-DeFi isivuno sokulima, uya kufumana ingeniso ye-passive nje ngokuba amathokheni abanjwe ngababini abathengisayo.

Oku kungenxa yokuba ngalo lonke ixesha umntu ethenga kwaye ethengisa uphawu kwisibini, baya kuhlawula umrhumo wokurhweba. Kwaye njengomntu ochaphazelekayo kuluhlu olufanelekileyo lokuhlawula amatyala, uya kufumana ipesenti yemali eqokelelwe yikontraki ehlakaniphile. Isixa esithile osifumanayo siya kuxhomekeka kwinani lezinto-esixoxa ngazo ngokubanzi kweli candelo lingezantsi.

Umzekelo wokuLima ngezivuno  

Kukho izinto eziguquguqukayo ezimbalwa ekufuneka uziqwalasele xa uvavanya iinzuzo ezinokubakho kwiinzame zakho zokulima isivuno. Okokuqala, xa ufaka iithokheni kwisibini sokulima isivuno, uya kuba nepesenti yechibi. Le pesenti isekelwe ekubeni zingaphi iithokheni ozifakile xa uthelekisa nabanye.

Umzekelo:

• Sikhankanye ngasentla ukuba ubeke i-1 BNB ngexabiso le-$ 300 kunye ne-300 ye-DeFi Coin kwakhona kwi-300 yeedola.
• Ngoku siza kuthetha ukuba zizonke, kukho i-5 BNB kunye ne-1,500 ye-DeFi Coin kwindawo edibeneyo.
• Oku kuthetha ukuba ungumnikazi we-20% ye-pool ye-BNB/DEFC

Ke ngoku njengoko sisazi ukuba ithini ipesenti yakho yedama lokufama isivuno, kufuneka ke sihlole ukuba uza kwenza malini. Okubaluleke kakhulu, ngokungafaniyo ne-staking, akukho APY esisigxina kwimeko yokulima isivuno.

Oku kungenxa yokuba konke kuxhomekeke kwindlela i-pool eqokelela ngayo kwimirhumo yokurhweba, yintoni ipesenti yakho, kwaye ingaba ixabiso lamathokheni liphakama okanye liwa.

• Nangona kunjalo, masithi iqonga olikhethileyo lokufama isivuno libonelela nge-2% yazo zonke iintlawulo zokurhweba eziqokelelweyo.
• Ungumnikazi we-20% yedama
• Emva kweentsuku ze-30, isibini sokurhweba siqokelele i-4 BNB kunye ne-1,200 ye-DeFi Coin.
• Isabelo sakho sale pool siya kuba yi-0.8 BNB (20% ye-4 BNB) kunye ne-240 ye-DeFi Coin (20% ye-1,200 ye-DeFi Coin)

Enye into ekufuneka uyiqaphele malunga nokufuya isivuno kukuba isabelo sakho sesibini esirhwebayo simelwe yiLP (liquidity pool).

Ukuze urhoxise utyalo-mali lwakho echibini, kuya kufuneka utshintshe iithokheni zakho ze-LP uzibuyisele kwiingqekembe zokuqala ozifakileyo. Iindaba ezimnandi zezokuba, ngokungafaniyo ne-staking, kunqabile ukuba kubekho imfuneko yokutshixa iithokheni zakho xa uzibandakanya nephuli yokulima isivuno. Ke ngoko, oku kubonelela ngokulula ngakumbi xa kufikwa ekufikeleleni kwimali yakho.

Ilahleko yokonakaliswa 

Omnye wemingcipheko ephambili ekufuneka uyithathele ingqalelo phambi kokuba utyale imali kwi-DeFi isivuno sokufama ngulo welahleko yokonakaliswa.

Ingcamango ephambili kunye nelahleko yomonakalo kukuba unokulahlekelwa yimali xa ixabiso leethokheni lifakwe kwi-pool yesivuno sokulima.

Ngokuthe ngqo, ilahleko yokonakaliswa iyenzeka ukuba wenza imali encinci kwimveliso yokulima kunokuba ubuya kwenza ngokugcina iithokheni kwi-wallet yabucala okanye utshintshiselwano.

• Umzekelo, masithi ugcina iithokheni zakho kwi-DEFC/BNB pool iinyanga ezintathu.
• Ngokulandelayo, wenze i-APY ye-100% – ke eso ibe sisivuno esisebenzayo sama-25% kwithuba lakho leenyanga ezintathu.
• Nangona kunjalo, ngexesha elifanayo, amathokheni amabini anyuke ngexabiso nge-45% kwimarike evulekileyo.

Ngokunjalo, lo ngumzekelo obalaseleyo welahleko yokonakaliswa, njengoko inkqubo yokulima isivuno eneneni ibangele ukuba wenze ngaphantsi.

Indlela yokuTyala imali kwiDefi Yield Farming 

I-DeFi Swap ixhasa inani elibalulekileyo lamachibi okulima isivuno anokuthi asebenze ngokucofa iqhosha.

Xa usebenzisa i-DeFi Swap ngale njongo, uya kufumana i-0.25% yazo zonke iintlawulo zokurhweba eziqokelelwe kwisibini esikhethiweyo - ngokulingana nesabelo sakho sephuli.

Njengoko i-DeFi Swap iqhubeka nokwandisa umthamo wayo wokurhweba, oku kungabonisa indlela enengeniso yokuvelisa ingeniso ye-passive kumathokheni akho.

Ukutyala imali kwidama lokufama isivuno namhlanje ngokuTshintshana ngeDeFi - landela isikhokelo somlilo okhawulezayo singezantsi:

• inyathelo 1: Ndwendwela iDeFi Swap - Ekuqaleni, ndwendwela utshintshiselwano lweDeFi kwaye ucofe ku-'Pool'.
• inyathelo 2: Qhagamshela iWallet kuTshintsho lweDeFi -Okulandelayo, cofa ku-'Qhagamshela iWallet'. Khetha isipaji osithandayo kwaye ugunyazise uqhagamshelo kwi-DeFi Swap.
• inyathelo 3: Khetha iFama yeZivuno ezimbini -Ngoku ekubeni i-wallet yakho iqhagamshelwe kwi-DeFi Swap, unokukhetha isibini sokulima isivuno onqwenela ukusinika sona.
• inyathelo 4: Ngena kuMyinge wokuLima okuZivuno - Xa uchwetheza kwinani leethokheni onqwenela ukuzifaka, isixa esifanelekileyo siya kuhlaziya enye ingqekembe. Umzekelo, ungachwetheza kwi-2 BNB kwaye iya kuhlaziya nge-1,200 DEFC.
• inyathelo 5: Qinisekisa isiVuno sokuLima - Ekugqibeleni, kuya kufuneka uqinisekise isivumelwano sokulima isivuno nge-wallet eqhagamshelwe kwi-DeFi Swap.

Emva kokuqinisekisa utyalo-mali nge-wallet yakho, iithokheni ziya kufakwa kwi-liquidity pool. Ngethuba nje amathokheni ahlala echibini, uya kuvelisa ingeniso ye-passive kuyo nayiphi na imirhumo yokurhweba eqokelelwayo.

Akukho siqinisekiso sokuba uya kwenza imali xa utyala kule okanye nayiphi na imveliso okanye inkonzo ye-DeFi. Qhubeka ngomngcipheko wakho. 

4. IiAkhawunti zeNzala zeDeFi -Idiphozithi yeCrypto Tokens kwiAkhawunti yoLondolozo ukufumana iNzala

Okulandelayo kuluhlu lwethu lweendlela ezilungileyo zotyalo-mali kwi-DeFi yile akhawunti yenzala ye-crypto. Le yingcamango entsha noko elandela imigaqo efanayo ye-akhawunti yebhanki eqhelekileyo ehlawula inzala. Oko kukuthi, le mveliso ye-DeFi ifuna nje ukuba ufake iithokheni zakho kwi-wallet yomboneleli, kwaye emva koko - uya kuhlawulwa iqondo lenzala.

Kwezinye iimeko, izinga lenzala liya kulungiswa. Oku kuthetha ukuba uyazi kakuhle ukuba yimalini oya kuyifumana kwidiphozithi yeakhawunti yakho yenzala. Ngaloo nto ithethwayo, ezinye iiplatifomu zibonelela ngeereyithi eziguquguqukayo eziya kutshintsha ngokusekelwe kwiimeko zemarike ebanzi. Ngokwamaxesha okutshixa, oku kuya kuxhomekeka kumboneleli omkhethileyo.

Ezinye iiplatifomu zinika inani lemimiselo eyahlukeneyo enokuthi isuse kwisivumelwano sokurhoxisa esiguquguqukayo ukuya kwiinyanga ze-12. Kwiimeko ezininzi - kwaye kanye njengokubeka i-staking, ixesha elide, kokukhona uya kuhlawulwa. Inzala oyifumanayo iveliswa kwimali-mboleko yomntu wesithathu.

Oku kuthetha ukuba amathokheni akho e-crypto aya kubolekiswa kwabanye abantu, abathi nabo, bahlawule inzala kwiimali ezibolekiweyo. Ihamba ngaphandle kokutsho ukuba umngcipheko ojongene nawo xa ukhetha le mveliso ye-DeFi kukuba ipesenti enkulu yababoleki abayihlawulanga kwimali mboleko yabo. Oko kuthethiweyo, ababoneleli bemali-mboleko yeDeFi bahlala befuna isibambiso kumboleki.

Oku kuthetha ukuba ukuba ixabiso lemali-mboleko lihlala lingahlawulwanga, umboneleli unokuthengisa ngokulula isibambiso esifakwe. Ngaphezu koko, ukuba i-collateral yehla ngexabiso ngepesenti ethile, oku kuya kubangela ukuba umnikezeli athengise amathokheni ukuba umboleki akafaki imali eninzi.

Xa kufikwa kwizivuno, isixa senzala onokuthi usifumane sikholisa ukuba sezantsi kakhulu xa kuthelekiswa nokulima kunye nesivuno. Nangona kunjalo, unokuqiniseka ukuba ii-APYs zikhuphisana kakhulu kunoko uya kukufumana kwiakhawunti yebhanki eqhelekileyo. Ngapha koko, kunokwenzeka ukuba ufumane i-APY enamanani amabini kwii-stablecoins ezifana ne-USDT kunye ne-BUSD kule ndawo yentengiso.

Umzekelo weeAkhawunti zoMdla zeDeFi 

Ukuba umtsha ngokupheleleyo kwiiakhawunti zomdla we-crypto, jonga lo mzekelo ungezantsi ukuvavanya ukuba le mveliso yotyalo-mali yeDeFi ikulungele na okanye hayi:

• Masithi uthathe isigqibo sokutyala iithokheni zeFrax kwiakhawunti yenzala ye-crypto
• I-Frax yi-stablecoin, ngoko ke ithiyori, kufuneka ihlale kwixabiso elikufutshane le-1 yeedola ngamaxesha onke.
• Umboneleli wakho okhethiweyo unikezela nge-APY ye-12% kwi-Frax ngokuvalelwa kweenyanga ezintathu
• Ufaka iithokheni ze-10,000
• Emva kokuba ixesha leenyanga ezintathu lidlulile, ufumana i-10,000 yakho yeFrax kunye ne-300 yeempawu ezixabisa umdla.
• Nangona ufumene i-APY ye-12%, inzala yakho ifikelela kwi-300 Frax kuba ukhethe isithuba seenyanga ezintathu (12% / 4).

Njengomzekelo ongasentla, i-akhawunti yenzala ye-crypto ibonelela ngendlela elula yokwenza ingeniso kwiimali zakho. Nangona kunjalo, njengoko sichaza kwicandelo elilandelayo, iiakhawunti zomdla kule ndawo yentengiso zihlala zibonelelwa ngamaqonga aphakathi.

Umngcipheko we-Centralization  

Elona candelo libalulekileyo lesithuba se-DeFi kukuba uya kuba utyala imali kwiimveliso ezivelisa isivuno kunye neenkonzo ngokusebenzisa umqhubi we-decentralized operator. Nangona kunjalo, kubalulekile ukuqaphela ukuba amaqonga amaninzi anikezela ngeeakhawunti zenzala abekwe embindini.

Oku kuthetha ukuba xa ufaka imali kwi-akhawunti yenzalo ye-crypto, umboneleli uya kuba nolawulo olupheleleyo kwiithokheni zakho. Ngoko ke, kuya kufuneka uthembele ukuba umboneleli ochaphazelekayo usemthethweni kwaye uya kukuhlawula oko akutyala kona xa wenze isigqibo sokutsala imali.

Lo mngcipheko unokuthintelwa ngokunamathela kwiqonga leDeFi elinokubekwa ngokwenyani. Umzekelo, xa usebenzisa iinkonzo ezibonelelwa yiDeFi Swap, awusoze ufuneke ukuba uthembe iqonga. Endaweni yoko, amathokheni afakwe kwikhontrakthi ekhuselekileyo engenakho ukuguqulwa okanye ukuguqulwa.

Oku kuthetha ukuba ngokukhawuleza ukuba unqwenela ukurhoxisa, isivumelwano esihlakaniphile sinokufaka kuphela iithokheni kwi-wallet oye wayisebenzisa ekuqaleni ukugqiba utyalo-mali.

KuTshintsho lweDeFi – Utshintshiselwano oluKhokelayo oluDityanisiweyo lweSiteki kunye nokuLima kweZivuno 

Akukho siqinisekiso sokuba uya kwenza imali xa utyala kule okanye nayiphi na imveliso okanye inkonzo ye-DeFi. Qhubeka ngomngcipheko wakho. 

5. Iimali-mboleko ze-DeFi - Yandisa i-Exposure yakho kwi-DeFi nge-Crypto Loan eKhuselekileyo

Enye inkalo yecandelo lezemali elinatyisiweyo ekufuneka ijongwe yile yemali mboleko yeDeFi. Le mveliso ikuvumela ukuba uboleke imali ngexesha lokwenyani ngokuchasene ne-crypto tokens onayo ngoku. Ngaloo ndlela, uya kuba uthatha imali-mboleko ekhuselekileyo. Nangona kunjalo, ngokungafaniyo neemali-mboleko zemveli ezinikezelwa ziibhanki, akukho mfuneko yokuba uhambe ngenkqubo yokutshekisha ngetyala.

Ngaphaya koko, akusayi kufuneka ukuba unikezele ngawo nawaphi na amaxwebhu ukubonisa ukuba unokufikeleleka kunye nokuma kwakho kwezemali. Ngapha koko, amaqonga emali mboleko yeDeFi ayifuni nokuba unikeze naluphi na ulwazi lobuqu okanye iinkcukacha zoqhagamshelwano. Ngokuchasene noko, imali-mboleko yakho iya kuvunywa ngoko nangoko ngokucofa iqhosha.

Ngokumalunga nokuba ungaboleka malini, oku kuya kuxhomekeka kwizinto ezininzi. Okokuqala, iqonga ngalinye le-DeFi liya kuba ne-LTV yalo (i-Loan-to-Value) imida endaweni. Le yipesenti onokuthi uyiboleke ngexabiso lesibambiso sakho. Umzekelo, masithi iqonga olikhethileyo libonelela ngeemali-mboleko zeDeFi nge-LTV ye80%.

Oku kuthetha ukuba ukuba ubunokubeka i-crypto ye-5,000 yeedola, ungaboleka ukuya kuthi ga kwi-4,000 yeedola. Oku kuya kuhlawulwa kwii-crypto tokens, njengoko iiplatifti zemboleko ze-DeFi zangempela azibandakanyi kwimali ye-fiat. Nangona kunjalo, unokukwazi ukuboleka i-stablecoin efana ne-USDT-onokuyiguqula ngokulula ibe yimali xa unqwenela.

Enye into ekufuneka uyikhumbule kukuba kuya kufuneka uhlawule inzala kwimali-mboleko yakho ye-DeFi. Amaxabiso aya kwahluka ngokuxhomekeke kwiqonga olikhethileyo kunye nexesha elifanelekileyo ovumelana nalo. Ngale nto ithethwayo, amaxesha amaninzi iindawo mboleko zeDeFi azifaki migaqo eqhelekileyo, nto leyo ethetha ukuba ungazibuyisela iimali ngexesha lakho lokuphumla.

Nangona kunjalo, ukuba ixabiso lesibambiso sakho lehla ngepesenti ethile, uya kucelwa ukuba ungeze amathokheni amaninzi. Ukuba awukwenzi oko, iqonga lemali mboleko ye-DeFi liya kunyanzelwa ukuba lithengise esinye isibambiso sakho.

Yandisa i-Exposure yakho kwi-Crypto  

Iimali-mboleko ze-DeFi zinokuba sisixhobo esihle sokuqwalasela ukuba ujonge ukwandisa ixabiso lokuvezwa kwakho kwicandelo le-asethi yedijithali ngaphandle kokukhupha iithokheni zakho. Oku kungenxa yokuba useza kulawula isibambiso osifakayo ngalo lonke ixesha imali-mboleko ihleli ingahlawulwanga. Ngaloo ndlela, ukuba ixabiso lesibambiso liyanyuka, uya kuzuza kule nto.

Ngaphaya koko, iimali ozifumanayo kwimali mboleko ye-DeFi zinokuphinda zityalwe kwakhona kwindawo ye-crypto. Oku kuya kukuvumela ukuba ulawule inani elikhulu le-crypto - ngaphandle kokufuna ukuba nenkunzi onayo.

Umzekelo:

• Masithi une-$3,000 yexabiso le-AAVE
• Ngexesha lotyalo-mali, i-AAVE ithengisa nge-100 yeedola
• Ufaka le AAVE kwiqonga le-DeFi kwaye uthathe imali-mboleko kwi-50% LTV
• Uthatha isigqibo sokuthatha imali-mboleko yakho kwi-AAVE
• Oku kuthetha ukuba ufumana i- $1,500 yexabiso le-AAVE
• Emva kweenyanga ezimbini, i-AAVE irhweba nge-140 yeedola - oko kukunyuka kwama-40%.

Uthatha isigqibo sokukhupha utyalo-mali lwakho ukuze uxhamle ekunyukeni kwexabiso le-AAVE.

Inzuzo yakho imi ngolu hlobo lulandelayo:

• Kwidiphozithi yakho yokuqala ye-$ 3,000 - oku kuye kwanda nge-40%. Ngokunjalo, utyalo-mali lwakho lwangaphambili luxabisa i-$4,200 – ke leyo yinzuzo ye-$1,200.
• Kwi-$1,500 AAVE oyibolekile, oku kuye kwanda nge-40%. Oku kubiza ixabiso elitsha le-$ 2,100 - ngoko inzuzo ye-600 ye-$
• Lilonke, wenze inzuzo ye-1,800 yeedola kweli linge lemali-mboleko ye-DeFi

Ewe, uya kube uhlawule inzala ethile kwezi nyanga zintathu ihleliyo imali-mboleko yakho. Nangona kunjalo, ii-APRs ze-DeFi mboleko zinokukhuphisana kakhulu - ke kulo mzekelo, wenze isixa esifanelekileyo senzuzo.

Kuya kufuneka uqwalasele imingcipheko yokuthatha imali-mboleko ye-DeFi ngenjongo yokwandisa ukuvezwa kwakho kwicandelo le-crypto. Emva kwayo yonke loo nto, ukuba ixabiso lesibambiso sakho liyehla, ke iqonga lemali mboleko ye-DeFi linokunyanzeliswa ukuba liphelise amathokheni.

Ngaphaya koko, ukuba ixabiso leethokheni ozibolekileyo liyehla, uya kuba ne-negative equity.

KuTshintsho lweDeFi – Utshintshiselwano oluKhokelayo oluDityanisiweyo lweSiteki kunye nokuLima kweZivuno 

Akukho siqinisekiso sokuba uya kwenza imali xa utyala kule okanye nayiphi na imveliso okanye inkonzo ye-DeFi. Qhubeka ngomngcipheko wakho.

Ngaba iDeFi luTyalo-mali oluLungileyo?

Nangona i-DeFi ngoku icandelo leebhiliyoni zeedola, lo mboniso wotyalo-mali usaqala. Ngokunjalo, kukho ukukhula okuninzi okushiyekileyo etafileni ukuba uyakwazi ukutyala imali ngelixa icandelo liselula.

Ingcamango ephambili ye-DeFi kukuba ibonelela ngendlela yokuba abantu batyale imali ngaphandle kokufuna ukuba bahambe kumnikezeli ophakathi - njengebhanki okanye iziko lezemali. Kunoko, abatyali-mali banokudibanisa ngokuthe ngqo nabanye abathathi-nxaxheba beemarike.

Ukuba awuqinisekanga ukuba i-DeFi yindawo efanelekileyo yotyalo-mali kuwe - qwalasela ezinye zeenzuzo eziphambili esixoxa ngazo kumacandelo angezantsi.

Ngaphezulu kwe-Avareji yezivuno  

Iimveliso zotyalo-mali zemveli ziye ziyancipha kwaye ziyancipha njengoko iminyaka ihamba. Umzekelo, e-US naseYurophu, kunqabile ukuba abagcini bogcino bakwazi ukwenza isivuno esingaphezulu kwe-1% kwiidiphozithi zebhanki eziqhelekileyo.

Oku kuthetha ukuba ngokufaka imali kwi-akhawunti yokonga, awuzukwazi nokuhlawulela izinga lokunyuka kwamaxabiso. Ukuqwalasela ukuba ukunyuka kwamaxabiso kudlule i-7% e-US ukususela ekuqaleni kwe-2022, oku kuthetha ukuba ixabiso lemali yakho liya kuqhubeka liyancipha.

Xa uthelekisa, xa utyala imali kwi-DeFi, unakho ukuvelisa isivuno esihle kakhulu kwiimali zakho. Enyanisweni, kulula ukodlula izinga lokunyuka kwamaxabiso ngexabiso elikhulu.

Njengomzekelo ophambili, ungafaka i-DeFi Coin kwisivumelwano se-DeFi Swap staking kangangeenyanga ezili-12 kwaye emva koko, ufumane i-APY ye-75%. Njengoko kuphawuliwe ngaphambili, unokufumana imbuyekezo enamanani amathathu kwii-stablecoins ezibotshelelwe kwidola.

Akukho kujongwa ngasemva kwezeMali  

Enye yeentsika eziphambili ze-DeFi kukuba iinkonzo zemali kufuneka zifikeleleke kumntu wonke – nokuba umntu undawoni na okanye imvelaphi yakhe.

Kwaye ke ngoko, nokuba imeko yakho yezemali ijongeka njani, amaqonga afana neDeFi Swap aya kuhlangabezana neemfuno zakho zotyalo-mali ngovuyo.

Okubaluleke kakhulu, xa utyala imali usebenzisa iqonga leDeFi, awuzukufuneka ujonge imvelaphi yezemali yalo naluphi na uhlobo. Awuyi kuphinda ufuneke ukuba unikeze naluphi na ulwazi lobuqu okanye iinkcukacha zoqhagamshelwano.

Endaweni yoko, konke okufuneka ukwenze kukudibanisa isipaji sakho kwiqonga elifanelekileyo kwaye ukhethe imveliso yotyalo-mali yeDeFi onqwenela ukufikelela kuyo.

Akukho Amaqela eSithathu   

Xa utyala imali kwicandelo lezemali lemveli - nokuba zizitokhwe, iimali, okanye igolide - kufuneka udlule kumthengisi womntu wesithathu.

Oku kuthetha ukuba i-broker iya kuba noxanduva lokugcina utyalo-mali lwakho ngokukhuselekileyo egameni lakho. Kwelinye icala, akufuneki uthembele kuphela kwi-broker echaphazelekayo kodwa uya kuhlawuliswa i-assortment yeefizi kunye neekomishini.

• Oku kuchasene kakhulu nendlela iDeFi esebenza ngayo.
• Emva kwayo yonke loo nto, amaqonga afana ne-DeFi Swap anikezelwa, okuthetha ukuba unokufikelela kwiinkonzo zezemali ngaphandle kokuhamba nomthetheli.
• Ngaphaya koko, kwaye mhlawumbi okona kubaluleke kakhulu, awuyi kufunwa ukuba ufake iithokheni zakho eqongeni ngokwalo.
• Endaweni yoko, imali iya kudluliselwa kwikhontrakthi ephantsi ye-smart - apho umnikezeli we-DeFi akayi kukwazi ukuyisebenzisa.

Lilonke, ngokutyala imali kwi-DeFi, unokufikelela kwiinkonzo zotyalo-mali ngokuthe ngqo ngaphandle kokufuna ukusebenzisa iinkonzo zomntu wesithathu.

Ukwenziwa kweemalike eziNcinci    

Ngokutsho kwewebhusayithi ekhokelayo yokuhlanganiswa kwedatha CoinGecko, njengoko kubhalwa, lonke icandelo le-DeFi lisaxabiswa ngaphantsi kwe-50 yeebhiliyoni zeedola.

Kwiskimu esikhulu sezinto, lo ngumzuzu. Kwaye ke, akukaze kubekho ixesha elingcono lokutyala imali kwi-DeFi - njengoko eli shishini lisaxatyiswa kakhulu.

I-CoinGecko iphinda iphawule ukuba ekuqaleni kwe-2020, icandelo le-DeFi liphethe i-capitalization ye-market ye-1.7 yeebhiliyoni zeedola. Oku kuthetha ukuba kwiminyaka nje emibini, indawo ye-DeFi inyuke ngexabiso ngaphezu kwe-2,700%.

isiphelo

Isishwankathelo, esi sikhokelo sichaze iindlela ezilungileyo zokutyala imali kwi-DeFi ngoku. Sigqubuthele yonke into ukusuka kwi-staking kunye nesivuno sokufama ukuya kwi-akhawunti yenzala kunye neemali-mboleko.

Nangona kunjalo, mhlawumbi eyona ndlela ilungileyo yokutyala imali kwimali yokwabela amagunya kukusebenzisa ithokheni yeDeFi ekumgangatho ophezulu.

I-DeFi Coin, umzekelo, ixhasa utshintshiselwano lwe-DeFi Swap - olubonelela ngee-APYs ezinomtsalane ngokubeka i-staking kunye nemveliso yamachibi okulima. Ngaphezu koko, abathengisi berhafu ye-DeFi Coin kwi-10% - isiqingatha saso sisasazwa kubanikazi bamathokheni abakhoyo ngokungenako inkontileka ehlakaniphile.

Ke ngoko, abanini bexesha elide beDeFi Coin bavuzwa ngeentlawulo zezahlulo eziqhubekayo.

Akukho siqinisekiso sokuba uya kwenza imali xa utyala kule okanye nayiphi na imveliso okanye inkonzo ye-DeFi. Qhubeka ngomngcipheko wakho. 

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