Ungatshala kanjani imali ku-DeFi? Umhlahlandlela Wabasaqalayo Wokwenza Imali Nge-DeFi

I-Decentralized finance (DeFi) ikhula ngesivinini esikhulu. Lo mkhakha wokusungula uvumela abatshalizimali ukuthi benze imali ngemikhiqizo namasevisi anhlobonhlobo - okuhlanganisa kodwa okungagcini nje ngokulima okunenzuzo, ukufakwa kwesiteki, ama-akhawunti enzalo, nokunye.

Kulo mhlahlandlela wabaqalayo, sichaza indlela yokutshala imali ku-DeFi namuhla ukuze uqale ukukhiqiza isivuno esikhangayo emalini yakho.

Uhlu Lwezindlela Ezinhle Kakhulu Zokutshala Ku-DeFi 

Ngezansi, uzothola uhlu lwezindlela ezinhle kakhulu zokutshala imali ku-DeFi namuhla:

1. Tshala imali kuma-DeFi Tokens -Indlela Engcono Kakhulu Yokutshala Ku-DeFi
2. I-DeFi Staking - Thola i-APY Ekhangayo yokukhiya amathokheni akho e-Crypto
3. Ukulima kweDeFi - Khiqiza Isivuno Ngokuhlinzeka Ngemali ekuhwebeni kwe-DeFi
4. I-DeFi Interest Accounts - Faka Amathokheni e-Crypto ku-Akhawunti Yokulondoloza ukuze Uzuze Inzalo
5. Imalimboleko ye-DeFi - Khulisa Ukuchayeka Kwakho ku-DeFi Ngemalimboleko Evikelekile ye-Crypto

Sixoxa ngokutshalwa kwezimali kwe-DeFi okungenhla ngokuningiliziwe kulo lonke lo mhlahlandlela.

Ukubheka Okuningiliziwe Izindlela Ezinhle Kakhulu Zokutshala Ku-DeFi ngo-2022

Kunezindlela eziningi ongatshala ngazo imali ku-DeFi ngokunethezeka kwekhaya.

Umkhiqizo ngamunye wokutshalwa kwezimali we-DeFi kanye/noma isevisi izofika nezingozi zayo kanye nemivuzo engaba khona. Ngakho-ke, kubalulekile ukuba nokuqonda okuqinile kwe-investimenti efanele ye-DeFi ngaphambi kokufaka engcupheni noma yiziphi izimali.

Ezigabeni ezingezansi, sibheka kabanzi izindlela ezingcono kakhulu zokutshala imali ku-DeFi ngo-2022.

1. Tshala Kumathokheni e-DeFi - Indlela Engcono Kakhulu Yokutshala Ku-DeFi

Singaphikisa ngokuthi indlela engcono kakhulu yokutshala imali ku-DeFi ngo-2022 iwukwengeza amathokheni e-DeFi anezinga eliphezulu kwiphothifoliyo yakho. Kalula nje, lawa amaphrojekthi e-cryptocurrency abambe iqhaza ngqo emkhakheni wezezimali ohlukaniswe. Lokhu kungaba ngama-engeli amaningi ahlukene.

Isibonelo, amanye amathokheni e-DeFi ahilelekile ekuhlinzekeni ngezinsizakalo zokubolekwa kwemali, kanti amanye ahlinzeka ngokushintshaniswa kwezindawo. Uzobe usunamathokheni e-DeFi anikeza ubuchwepheshe be-algorithmic stablecoin kanye nalabo abakha ukufinyelela okulinganiselwe ku-Metaverse. Noma iyiphi indlela, ngokutshala imali kuthokheni ye-DeFi ozikhethele yona, uthola ukuchayeka okuqondile kulo mkhakha.

Esinye isibonelo esinjalo sephrojekthi ekhulayo evela kulesi sikhala i-DeFi Coin (DEFC). Le mali yedijithali isekela ukushintshaniswa kwe-DeFi Swap - enikeza inhlobonhlobo yezinsizakalo zezezimali ezihlukaniselwe amazwe. Lokhu kuhlanganisa yonke into kusukela ekushintsheni kwamathokheni nasekulimeni kwesivuno kuya ku-staking kanye nama-NFTs. I-DeFi Coin ngokwayo iza namamethrikhi amaningana athokozisayo.

Okokuqala nokubaluleke kakhulu, uma umuntu ethengisa i-DeFi Coin - kungakhathaliseki ukuthi lokho kuyi-centralized exchange exchange, u-10% uzothathwa ekuthengiseni ngokuzenzakalelayo. Isibonelo, uma umhwebi ethengisa i-DeFi Coin enenani elingu-$1,000, i-$100 izokhokhiswa intela. Kule $100, i-$50 izosatshalaliswa kubanikazi be-DeFi Coin abakhona ngohlelo lwezabelo.

Enye i-$50 izokwengezwa echibini le-DeFi Coin liquidity. Okubaluleke kakhulu, ngokuthenga nokubamba i-DeFi Coin ngokuhamba kwesikhathi, uzozuza ekukhuleni kwe-DeFi Swap exchange. Futhi inqobo nje uma usabambe, uzoba nelungelo lokuthola ingxenye yakho yezinkokhelo ze-dividend.

Ungatshala kanjani imali ku-DeFi Coin

Uma uthanda umsindo we-DeFi Coin futhi ufisa ukwengeza lolu hlobo lwemali lwedijithali kuphothifoliyo yakho namuhla, ungakwenza lokho ngokulandela izinyathelo ezilula ezichazwe ngezansi:

Isinyathelo 1: Thola I-Wallet Esekela Amathokheni e-BSc

I-DeFi Coin iyithokheni ye-crypto esebenza phezu kwe-Binance Smart Chain (BSc). Ngakho-ke, ukuze utshale imali ku-DeFi Coin namuhla, isinyathelo sokuqala siwukuqinisekisa ukuthi unesikhwama semali esingaxhuma kunethiwekhi ye-BSc.

Izinketho ezidume kakhulu endaweni yemakethe ye-BSc yi-Trust Wallet ne-MetaMask. Ngenkathi zombili lezi zikhwama zingena kuhlelo lokusebenza lwe-iOS ne-Android, i-MetaMask iyatholakala futhi njengesandiso sesiphequluli.

Ungafunda kabanzi ku:

• Ungayithenga kanjani i-DeFi Coin nge-Trust Wallet
• Ungayithenga kanjani i-DeFi Coin nge-MetaMask

Isinyathelo sesi-2: Dlulisela i-BNB ku-BSc Wallet 

Uma usukhethile futhi ufake isikhwama semali esifanele, uzodinga ukufaka amathokheni athile e-BNB. Lokhu kungenxa yokuthi i-DeFi Coin ibhangqwe ngokuqondile ne-BNB ku-Binance Smart Chain.

Kokubili i-Trust Wallet ne-MetaMask zikuvumela ukuthi uthenge i-BNB ngekhadi lesikweletu/ledebhithi ngokuqondile ngaphakathi kwesikhwama. Lena indlela elula yokwengeza i-BNB ku-wallet yakho, nakuba bobabili laba bahlinzeki basebenzisa amaphrosesa ezinkampani zangaphandle - okusho ukuthi izinkokhelo zingaba phezulu.

Enye indlela enhle lapha ukuthenga i-BNB e-Binance. Ngokwenza kanjalo, uzokhokha inhlawulo eyisilinganiso esingu-2% uma usebenzisa ikhadi lesikweletu/ledebhithi - nakuba imali ethile izoncika endaweni okuyo.

Kunoma ikuphi, uma usebenzisa ukushintshana kwangaphandle ukuze uthenge i-BNB, uzodinga-ke ukudlulisela amathokheni esikhwameni sakho se-BSc esikhethiwe.

Isinyathelo sesi-3: Xhuma i-BSc Wallet ekushintsheni kwe-DeFi

Uma kulesi sigaba une-BNB esikhwameni sakho, bese uqhubeka nokutshala imali ku-DeFi Coin ngokushintshaniswa kwe-DeFi Swap. Ekukhetheni i-DeFi Swap ukuze uqedele ukuthenga kwakho, ngeke udinge ukuvula i-akhawunti noma ukunikeza noma yiluphi ulwazi lomuntu siqu.

Esikhundleni salokho, ungatshala imali ku-DeFi Coin ekushintshanisweni kwe-DeFi Swap ngokuxhuma isikhwama sakho semali.

Uma usukwi- Ukushintshaniswa kwe-DeFi, chofoza inkinobho 'Xhuma ku-Wallet'.

• Uma usebenzisa i-MetaMask, chofoza inketho efanele
• Uma usebenzisa i-Trust Wallet, noma esinye isikhwama se-BSc salolo daba, chofoza ku-'WalletConnect' bese uskena ikhodi ye-QR evela esikrinini sakho.

Kungakhathalekile ukuthi usebenzisa siphi isikhwama semali, uzodinga ukuqinisekisa ukugunyazwa ku-DeFi Swap exchange. Lena inqubo evikeleke kakhulu futhi ebaluleke kakhulu - Ukushintshwa kwe-DeFi ngeke kuze kube nokufinyelela kokhiye bakho abayimfihlo.

Isinyathelo sesi-4: Setha i-oda bese utshala imali ku-DeFi Coin

Ekugcineni, usungakwazi manje ukuhlela i-oda lokutshala imali ku-DeFi Coin. Okokuqala, qinisekisa ukuthi i-'BNB' ne-'DEFC' zisethwe njengohlobo lwemali 'lwe-Swap From' kanye 'Shintshela kuye', ngokulandelana.

Empeleni, ukushintshwa kwe-oda lakho kufanele kubukeke njengesithombe esingenhla. Okulandelayo, eduze kwalapho kuthiwa 'BNB', uzodinga ukufaka inombolo yamathokheni ofuna ukuyishintshanisa nge-DeFi Coin.

Uma uthayipha isibalo, inombolo ehambisanayo yamathokheni e-DeFi Coin izobuyekezwa ngokusekelwe esilinganisweni samanje sokushintshisana se-BNB/DEFC.

Ngemva kokuqinisekisa ukushintshwa, kuzovela isaziso se-pop-up ku-wallet okwamanje exhunywe ku-DeFi Swap. Uma usuqinisekise ukugunyazwa, inkontileka ehlakaniphile ye-DeFi Swap izoqedela ukuguqulwa futhi ngemva kwalokho yengeze amathokheni e-DeFi Coin esikhwameni sakho.

Asikho isiqinisekiso sokuthi uzokwenza imali lapho utshala imali kulo noma yimuphi umkhiqizo noma isevisi ye-DeFi. Qhubeka ngokuzifaka wena engozini. 

2. I-DeFi Staking - Zuza I-APY Ekhangayo Ngokukhiya Amathokheni akho e-Crypto

Umkhiqizo olandelayo okuvumela ukuthi utshale imali ku-DeFi kusukela ekunethezekeni kwekhaya uyamangaza. Ngamafuphi, ukubamba iqhaza kudinga ukuthi ukhiye amathokheni akho kunethiwekhi ye-blockchain ngenani elithile lezinsuku. Lokhu kuvumela i-blockchain ukuthi igcine inethiwekhi ihlukaniswe futhi iqinisekise futhi iqinisekise ukuthengiselana ngaphandle kokudinga isevisi yenkampani yangaphandle.

I-Staking iphinde ihlinzekwe ngamaphrojekthi okukhuthaza abantu ukuthi babambe amathokheni abo esikhathini eside, okusiza ukunciphisa amazinga okuguquguquka kwesimiso sezinto eziphilayo. Noma iyiphi indlela, ngokubeka amathokheni akho, uzozuza inani elikhangayo lenzalo. Izinga elithile, nokho, lingahluka kakhulu ngokuya ngethokheni oyibambayo.

Isibonelo, i-DeFi Coin ivumela abanikazi ukuthi bafake amathokheni abo ku-APY efika ku-75%. Lokhu kungenxa yokuthi i-DeFi Coin isesigabeni sayo sokukhula, ngakho-ke kuyadingeka ukunikeza isivuno esiphezulu. Ngakolunye uhlangothi, amaphrojekthi asunguliwe futhi amakhulu njenge-BNB azohlinzeka nge-APY ephansi kakhulu ezivumelwaneni zokubamba.

Noma kunjalo, uzovame ukuba nenani lezinketho uma kuziwa esikhathini esinqunyiwe. Isibonelo, lapho ufaka amathokheni ekushintsheni kwe-DeFi, ungakhetha esikhathini esiyizinyanga ezi-1, 3, 6, noma eziyi-12. Kubalulekile ukukhumbula ukuthi uma amathokheni akho evaliwe ngesikhathi esinqunyiwe, ngeke ukwazi ukuwafinyelela.

Lokhu kungenxa yokuthi amathokheni avalelwe kwinkontileka ehlakaniphile - engakwazi ukulungiswa noma ukuhlehliswa. Ngakho-ke, qiniseka ukuthi ukhululekile ukukhiya amathokheni akho kude nalo lonke ithemu. Enye into okufanele uyiqaphele ukuthi ezimweni eziningi, uma isikhathi eside oyikhethayo, iphezulu i-APY ozoyikhokhelwa.

Isibonelo Esihle

Ukuqinisekisa ukuthi ukutshala imali ku-DeFi staking kulungile kuwe, cabanga ngesibonelo esingezansi:

• Ake sithi unquma ukufaka amathokheni angu-10,000 we-DeFi Coin
• Ukhetha ithemu yezinyanga eziyisi-6 ekushintshanisweni kwe-DeFi Swap - okukhiqiza i-APY ka-60%
• Ngemva kwezinyanga eziyisithupha, amathokheni akho e-DeFi Coin angu-10,000 abuyiselwa esikhwameni sakho.
• Futhi uthola imiklomelo yakho ebalulekile, efinyelela kumathokheni e-DeFi Coin angu-3,000
• Kanjalo, ibhalansi yakho isiyonke manje isiyi-13,000 DEFC

Uma uzibuza ukuthi ungayibala kanjani imiklomelo yakho ku-APY eshiwo, lokhu kuqonde ngqo.

Esibonelweni esingenhla, sikhethe ukuthola i-APY engu-60%, okusho ukuthi ukube besibambe amathokheni unyaka owodwa, besizothola u-6,000 DEFC wediphozithi yethu yasekuqaleni engu-10,000 DEFC. Kodwa-ke, sikhethe ithemu yezinyanga eziyisithupha, futhi samukela kuphela i-3,000 DEFC.

Umthelela we-Volatility 

Ngaphambi kokuthi utshale ku-DeFi staking, udinga futhi ukucabangela izinzuzo nezingozi zengozi eguqukayo. Lokhu kungenxa yokuthi lapho amathokheni akho ekhululwa kwinkontileka ehlakaniphile esezingeni eliphezulu, ungaba nesiqiniseko sokuthi inani lawo lemakethe lizobe selishintshile. Kunjalo, lokhu kungase kuvune wena noma ngokumelene nawe.

• Ukusukela esibonelweni sangaphambilini, sizothi uma ufaka amathokheni e-DeFi Coin angu-10,000, i-DEFC engu-1 ibibiza u-$1.
• Lokhu kusho ukuthi isamba semali oyitshalile ngesikhathi ufaka imali yaba ngu-$10,000.
• Ngemva kwezinyanga eziyisithupha, sizothi i-DEFC ibihweba ngo-$2 ithokheni ngayinye.
• Uthole i-DEFC engu-13,000 esekelwe ngemva kokudlula kwezinyanga eziyisithupha, ngakho lelo inani lengqikithi engu-$26,000.
• Lokhu kuhumushela enzuzweni engu-$16,000 osuka ku-$10,000 oyitshalile oyitshalile.

Kodwa-ke, i-DEFC ibingahweba ngentengo engaphansi kwe- $ 1 ngemuva kokudlula isikhathi sezinyanga eziyisithupha.

• Isibonelo, ake sithi i-DeFi Coin ibihweba ngo-$0.50 ngesikhathi uthola amathokheni akho angu-13,000 emuva.
• Kulesi simo, utshalomali lwakho luphelele belungabiza u-$6,500 - okusho ukuthi emalini yakho yokuqala engu-$10,000 - ulahlekelwe ngu-$3,500.

Ekugcineni, khumbula nje ukuthi ngenkathi uzokwandisa inani lamathokheni onawo lapho utshala imali ku-DeFi staking, udinga futhi ukucabangela ukuthi ngesikhathi sokuphela kwethemu, bangase bahwebe ngentengo ephansi.

Ungatshala Kanjani Ku-DeFi Staking 

Ukuthola umbono osheshayo wokuthi ungatshala kanjani ku-DeFi staking, bheka ukuhamba ngezansi:

• Isinyathelo 1: Vakashela i-DeFi Swap - Okokuqala, vakashela i-DeFi Swap exchange bese uchofoza ku-'Farm'.
• Isinyathelo 2: Xhuma i-Wallet ekushintsheni kwe-DeFi - Okulandelayo, chofoza ku-'Xhuma I-Wallet'. Khetha isikhwama sakho semali osithandayo futhi ugunyaze ukuxhuma ku-DeFi Swap.
• Isinyathelo 3: Khetha i-Staking Token - Manje njengoba isikhwama sakho semali sesixhunywe ku-DeFi Swap, ungakhetha ithokheni ofisa ukuyifaka.
• Isinyathelo 4: Khetha Isikhathi Sokubamba - Khetha isikhathi sakho esinqunyiwe esinqunyiwe kusukela ezinsukwini ezingama-30, 90, 180, noma ezingama-365.
• Isinyathelo 5: Qinisekisa Isivumelwano Se-Staking – Isinyathelo sokugcina siwukuqinisekisa isivumelwano se-staking nge-wallet yakho exhunyiwe.

Uma usuqinisekise konke, amathokheni akho azofakwa koxhumene naye ohlakaniphile we-DeFi Swap. Ngemuva kokuthi isikhathi osikhethile sesidlulile, uzothola idiphozithi yakho yokuqala kanye nanoma yimiphi imiklomelo oyidalile oyikhiqizile.

Funda kabanzi: Ungafunda umhlahlandlela wethu ogcwele ku staking lapha.

Asikho isiqinisekiso sokuthi uzokwenza imali lapho utshala imali kulo noma yimuphi umkhiqizo noma isevisi ye-DeFi. Qhubeka ngokuzifaka wena engozini. 

3. I-DeFi Yield Farming - Khiqiza Isivuno Ngokuhlinzeka Ngemali ekuhwebeni kwe-DeFi

Enye indlela edumile yokutshala imali ku-DeFi ngokusebenzisa ukulima kwesivuno. Lokhu kufana nokubamba, uma nje uzobe uboleka amathokheni akho kwinkontileka ehlakaniphile ye-DeFi ngombono wokukhiqiza inzalo. Kodwa-ke, ukulima kwesivuno kuhlukile ngomqondo wokuthi uzobe ufaka amathokheni akho echibini le-liquidity.

I-liquidity pool okukhulunywa ngayo izovumela abathengi nabathengisi ukuthi bahwebe ngamathokheni endaweni yokuzijabulisa. Ngakho-ke, iphuli ngayinye ye-liquidity, iqukethe ipheya yokuhweba - njenge-DEFC/BNB noma i-BTC/BUSD. Njengomtshali-zimali, kuzodingeka ukuthi ufake idiphozithi yomibili amathokheni epheya efanelekile.

Akukhona lokho kuphela, kodwa udinga ukunikeza amanani alinganayo wethokheni ngayinye ngokwenani lemakethe lamanje lamaphrojekthi womabili. Isibonelo, ake sithi ubheke ukungeza imali kupheya ye-BNB/DEFC. Sizosho ukuthi ngaleso sikhathi, i-BNB inenani lemakethe lika-$300 kanye ne-DEFC ku-$1.

Lokhu kusho ukuthi kuyo yonke i-BNB engu-1 oyifakile ($300), uzodinga futhi ukudlulisa okungu-300 DEFC ($300). Ekufakeni u-$300 wethokheni ngayinye, imali yakho ephelele ingu-$600. Mayelana nezinzuzo zokutshala imali ekulimeni kwesivuno se-DeFi, uzothola imali engenayo inqobo nje uma amathokheni ebanjwe ngababili abahwebayo.

Lokhu kungenxa yokuthi ngaso sonke isikhathi lapho umuntu ethenga futhi ethengisa ithokheni kwababili, bazokhokha imali yokuhweba. Futhi njengombambiqhaza wephuli ye-liquidity efanele, uzozuza iphesenti lezimali eziqoqwe yinkontileka ehlakaniphile. Inani elithile ozolithola lizoncika ezintweni ezimbalwa - esixoxa ngazo kabanzi kulesi sigaba esingezansi.

Isibonelo Sokulima Kwesivuno  

Kunezinto ezimbalwa eziguquguqukayo okufanele uzicabangele lapho uhlola izinzuzo ezingaba khona emizamweni yakho yokulima isivuno. Okokuqala, lapho ufaka amathokheni kubhangqa yokulima isivuno, uzoba nephesenti lephuli. Leli phesenti lisekelwe ekutheni mangaki amathokheni owafakile uma eqhathaniswa namanye.

Ngokwesibonelo:

• Sishilo ngenhla ukuthi ufake i-BNB engu-1 ngenani lika-$300 kanye ne-DeFi Coin engu-300 futhi ngo-$300.
• Manje sizosho ukuthi sekukonke, kukhona 5 BNB kanye ne-1,500 DeFi Coin endaweni yokubhukuda efanele.
• Lokhu kusho ukuthi ungumnikazi ongu-20% wephuli ye-BNB/DEFC

Ngakho-ke njengoba manje sesazi ukuthi ingakanani iphesenti lakho lechibi lokulima lesivuno, kufanele sihlole ukuthi uzokwenza malini. Okubalulekile, ngokungafani ne-staking, ayikho i-APY engaguquki endabeni yokulima isivuno.

Lokhu kungenxa yokuthi konke kuncike ekutheni i-pool iqoqa malini emalini yokuhweba, yiliphi iphesenti lakho, nokuthi inani lamathokheni likhuphuka noma lehla.

• Noma kunjalo, ake sithi inkundla oyikhethile yokulima isivuno inikeza u-2% wazo zonke izimali eziqoqiwe zokuhweba.
• Ungumnikazi we-20% wephuli
• Ngemuva kwezinsuku ezingama-30, umbhangqwana wokuhweba usuqoqe i-4 BNB kanye ne-1,200 DeFi Coin.
• Isabelo sakho saleli chibi singafinyelela ku-0.8 BNB (20% of 4 BNB) kanye no-240 DeFi Coin (20% we-1,200 DeFi Coin)

Enye into okufanele uyiqaphele mayelana nokulima kwesivuno ukuthi isabelo sakho sabahwebi abafanele bavame ukumelwa yi-LP (liquidity pool).

Ukuze uhoxise utshalomali lwakho echibini, uzodinga ukushintshanisa amathokheni akho e-LP uwabuyisele ezinhlamvu zemali zangempela ozifakile. Izindaba ezinhle ukuthi, ngokungafani ne-staking, akuvamile ukuba nesidingo sokukhiya amathokheni akho lapho uhlanganyela nephuli yokulima isivuno. Ngakho-ke, lokhu kunikeza ukuguquguquka okukhulu uma kuziwa ekufinyeleleni izimali zakho.

Ukulahleka Kokukhubazeka 

Enye yezingozi ezinkulu okufanele uzicabangele ngaphambi kokuthi utshale imali ekulimeni kwesivuno se-DeFi ukulahlekelwa ukonakala.

Umqondo oyinhloko ngokulahleka kokonakala ukuthi ungalahlekelwa yimali lapho inani lamathokheni lifakwa echibini lokulima lesivuno liyancipha.

Ikakhulukazi, ukulahlekelwa kokonakala kwenzeka uma wenza imali encane ngokulima isivuno kunalokho obungakwenza ngokugcina amathokheni esikhwameni sangasese noma ngokushintshanisa.

• Ngokwesibonelo, ake sithi ugcina amathokheni akho ku-DEFC/BNB pool izinyanga ezintathu.
• Ngokulandelayo, wenze i-APY ka-100% - ngakho-ke lokho kuyinzuzo esebenzayo engu-25% ngesikhathi sakho sezinyanga ezintathu.
• Kodwa-ke, ngesikhathi esifanayo, amathokheni amabili anda ngenani nge-45% emakethe evulekile.

Ngakho-ke, lesi yisibonelo esihle kakhulu sokulahlekelwa kokonakala, njengoba inqubo yokulima isivuno empeleni iholele ekutheni wenze kancane.

Ungatshala Kanjani Ku-DeFi Yield Farming 

I-DeFi Swap isekela inombolo ebalulekile yamachibi okulima angavulwa ngokuchofoza inkinobho.

Uma usebenzisa i-DeFi Swap ngale njongo, uzozuza u-0.25% wazo zonke izimali zokuhweba eziqoqwe kumapheya oyikhethile - ngokulingana nesabelo sakho sephuli.

Njengoba i-DeFi Swap iqhubeka nokwandisa amanani ayo okuhweba, lokhu kungaveza indlela enenzuzo yokwenza imali engenayo kumathokheni akho.

Ukutshala imali echibini lokulima lesivuno namuhla nge-DeFi Swap - landela umhlahlandlela womlilo osheshayo ngezansi:

• Isinyathelo 1: Vakashela i-DeFi Swap - Okokuqala, vakashela i-DeFi Swap exchange bese uchofoza ku-'Pool'.
• Isinyathelo 2: Xhuma i-Wallet ekushintsheni kwe-DeFi - Okulandelayo, chofoza ku-'Xhuma I-Wallet'. Khetha isikhwama sakho semali osithandayo futhi ugunyaze ukuxhuma ku-DeFi Swap.
• Isinyathelo 3: Khetha Ukuvunwa Kokulima Okubili - Manje njengoba isikhwama sakho semali sesixhunywe ku-DeFi Swap, ungakhetha ipheya yokulima ekhiqizayo ofisa ukukuhlinzeka ngayo ngezimali.
• Isinyathelo 4: Faka Inani Lokulima Lokukhiqiza - Uma uthayipha inani lamathokheni ofisa ukulifaka, inani elifanele lizothuthukela kolunye uhlamvu lwemali. Isibonelo, ungathayipha okuthi 2 BNB futhi izobuyekezwa nge-1,200 DEFC.
• Isinyathelo 5: Qinisekisa Isivumelwano Sokulima Sesivuno - Ekugcineni, uzodinga ukuqinisekisa isivumelwano sokulima isivuno ngesikhwama semali esixhunywe ku-DeFi Swap.

Ngemva kokuqinisekisa ukutshalwa kwezimali ngesikhwama sakho semali, amathokheni azofakwa endaweni ethile ye-liquidity pool. Uma nje amathokheni ehlala echibini, uzokhiqiza imali engenayo kunoma yiziphi izimali zokuhweba eziqoqwe.

Asikho isiqinisekiso sokuthi uzokwenza imali lapho utshala imali kulo noma yimuphi umkhiqizo noma isevisi ye-DeFi. Qhubeka ngokuzifaka wena engozini. 

4. Ama-Akhawunti Enzalo Ye-DeFi - Faka Amathokheni e-Crypto ku-Akhawunti Yokulondoloza ukuze Uzuze Inzalo

Okulandelayo ohlwini lwethu lwezindlela ezingcono kakhulu zokutshala imali ku-DeFi yileyo yama-akhawunti enzalo ye-crypto. Lona umqondo omusha uma kuqhathaniswa olandela izimiso ezifanayo ze-akhawunti yasebhange evamile ekhokha inzalo. Okusho ukuthi, lo mkhiqizo we-DeFi umane udinga ukuthi ufake amathokheni akho esikhwameni somhlinzeki, bese ngokulandelayo - uzokhokhelwa inani lenzalo.

Kwezinye izimo, izinga lenzalo lizolungiswa. Lokhu kusho ukuthi wazi kahle ukuthi uzozuza malini kumadiphozithi e-akhawunti yakho enzalo. Njengoba sekushiwo, amanye amapulatifomu anikeza amanani aguquguqukayo azoshintsha ngokusekelwe ezimeni zemakethe ezibanzi. Mayelana nezikhathi zokuvala, lokhu kuzoncika kumhlinzeki wakho omkhethile.

Ezinye izinkundla zinikeza inombolo yemibandela ehlukene engasukela esivumelwaneni sokuhoxa esivumelana nezimo kuze kufike ezinyangeni eziyi-12. Ezimweni eziningi - futhi njengokugxila, uma isikhathi eside, uzokhokhelwa kakhulu. Inzalo oyizuzayo ivamise ukuvela emalini ebolekiwe evela eceleni.

Lokhu kusho ukuthi amathokheni akho e-crypto azobolekwa kwabanye abantu, nabo, abazokhokha inzalo emalini ebolekiwe. Kuyaqondakala ukuthi ubungozi obhekana nabo lapho ukhetha lo mkhiqizo we-DeFi ukuthi iphesenti elikhulu lababoleki liyikhokhisa imali ebolekiwe. Sekushiwo lokho, abahlinzeki bemalimboleko ye-DeFi ngokuvamile bazodinga isibambiso kumboleki.

Lokhu kusho ukuthi uma inani lemali mboleko lihlala lingakhokhiwe, umhlinzeki angavele athengise isibambiso esifakiwe. Ngaphezu kwalokho, uma isibambiso sehla ngenani ngamaphesenti athile, lokhu kuzophinde kubangele umhlinzeki athengise amathokheni uma umboleki engangezi izimali ezengeziwe.

Uma kukhulunywa ngesivuno, inani lenzalo ongayithola ngokuvamile liphansi kakhulu uma liqhathaniswa nokulima okuthe xaxa kanye nesivuno. Noma kunjalo, ungaqiniseka ukuthi ama-APY ancintisana kakhulu kunalokho ozokuzuza ku-akhawunti evamile yasebhange. Eqinisweni, kungenzeka ukuthi uzuze ama-APY anedijithi ekabili kuma-stablecoins afana ne-USDT ne-BUSD kule ndawo yemakethe.

Isibonelo sama-akhawunti enzalo e-DeFi 

Uma umusha ngokuphelele kuma-akhawunti enzalo ye-crypto, hlola isibonelo esingezansi ukuze uhlole ukuthi lo mkhiqizo wokutshala imali we-DeFi ukulungele yini noma cha:

• Ake sithi unquma ukutshala amathokheni e-Frax ku-akhawunti yenzalo ye-crypto
• I-Frax iyi-stablecoin, ngakho-ke, ngokombono, kufanele ihlale enanini eliseduze lika-$1 zikhathi zonke.
• Umhlinzeki wakho omkhethile unikeza i-APY engu-12% ku-Frax ngokuvala umlomo izinyanga ezintathu
• Ufaka amathokheni angu-10,000
• Ngemuva kokuthi isikhathi sezinyanga ezintathu sesidlulile, uthola i-Frax engu-10,000 kanye namathokheni angu-300 enzalo enzalo.
• Nakuba uthole i-APY ka-12%, inzalo yakho ifinyelela ku-300 Frax ngoba ukhethe ithemu yezinyanga ezintathu (12% / 4).

Njengokwesibonelo esingenhla, ama-akhawunti enzalo ye-crypto anikeza indlela elula yokwenza imali ngemali yakho. Kodwa-ke, njengoba sichaza esigabeni esilandelayo, ama-akhawunti enzalo kule ndawo yemakethe ngokuvamile anikezwa izinkundla ezimaphakathi.

Ingozi ye-Centralization  

Ingxenye ebaluleke kakhulu yesikhala se-DeFi ukuthi uzobe utshala imali emikhiqizweni ekhiqiza isivuno namasevisi ngokusebenzisa u-opharetha ohlukaniselwe izwe. Kodwa-ke, kubalulekile ukuqaphela ukuthi amapulatifomu amaningi anikezela ngama-akhawunti enzalo aphakathi nendawo.

Lokhu kusho ukuthi uma ufaka imali ku-akhawunti yenzalo ye-crypto, umhlinzeki uzoba nokulawula okugcwele kumathokheni akho. Ngakho-ke, uzodinga ukwethemba ukuthi umhlinzeki okukhulunywa ngaye usemthethweni nokuthi uzokhokha lokho akukweletayo lapho usunqume ukukuhoxisa.

Le ngozi ingagwenywa ngokunamathela epulatifomu ye-DeFi ehlukaniselwe ngempela. Isibonelo, uma usebenzisa izinsiza ezihlinzekwa yi-DeFi Swap, awusoze wadingeka ukuthi uthembele inkundla. Esikhundleni salokho, amathokheni afakwa kunkontileka ehlakaniphile evikelekile engeke isetshenziswe noma ihlehliswe.

Lokhu kusho ukuthi ngokushesha nje lapho ufisa ukukhipha imali, inkontileka ehlakaniphile ingabuyisela amathokheni kuphela esikhwameni osisebenzise ekuqaleni ukuqedela ukutshalwa kwezimali.

Kwa-DeFi Swap - Ukushintshaniswa Okuhamba Phambili Kwabambisene Nokulima Nokuvunwa 

Asikho isiqinisekiso sokuthi uzokwenza imali lapho utshala imali kulo noma yimuphi umkhiqizo noma isevisi ye-DeFi. Qhubeka ngokuzifaka wena engozini. 

5. Izikweletu Ze-DeFi - Khulisa Ukuchayeka Kwakho Ku-DeFi Ngemalimboleko Evikelekile ye-Crypto

Enye indawo yomkhakha wezezimali ohlukaniselwe abantu abaningi okufanele ibhekisiswe yileyo yemalimboleko ye-DeFi. Lo mkhiqizo ikuvumela ukuthi uboleke imali ngesikhathi sangempela ngokumelene namathokheni e-crypto okungowakho njengamanje. Kanjalo, uzobe uthatha imali ebolekiwe evikelekile. Kodwa-ke, ngokungafani nemalimboleko yendabuko enikezwa amabhange, asikho isidingo sokudlula inqubo yokuhlola isikweletu.

Ngaphezu kwalokho, ngeke udinge ukuthi unikeze noma imaphi amadokhumenti ukuze ufakazele ukukwazi ukuzikhokhela kanye nokuma kwezimali. Eqinisweni, amapulatifomu emalimboleko e-DeFi awadingi nokuthi unikeze noma yiluphi ulwazi lomuntu siqu noma imininingwane yokuxhumana. Ngokuphambene nalokho, imalimboleko yakho izovunyelwa khona manjalo ngokuchofoza inkinobho.

Mayelana nokuthi ungaboleka malini, lokhu kuzoncika ezintweni eziningi. Okokuqala, inkundla ngayinye ye-DeFi izoba nemikhawulo yayo ye-LTV (Loan-to-Value) endaweni. Leli iphesenti ongaliboleka ngokumelene nenani lesibambiso sakho. Isibonelo, ake sithi inkundla oyikhethile inikezela ngemalimboleko ye-DeFi nge-LTV engu-80%.

Lokhu kusho ukuthi uma ubungafaka i-crypto yenani lika-$5,000, ungaboleka kufika ku-$4,000. Lokhu kuzokhokhwa ngamathokheni e-crypto, njengoba amapulatifomu emalimboleko eqiniso e-DeFi awabandakanyi nemali ye-fiat. Noma kunjalo, ungase ukwazi ukuboleka i-stablecoin efana ne-USDT - ongayiguqula kalula ibe ngukheshi uma ufisa.

Enye into okufanele uyikhumbule ukuthi uzodinga ukukhokha inzalo emalini ebolekiwe ye-DeFi. Amanani azohluka ngokuya ngeplathifomu oyikhethile kanye nesikhathi ovumelana ngaso. Njengoba sekushiwo lokho, ezikhathini eziningi amasayithi emalimboleko e-DeFi awafaki imigomo evamile, okusho ukuthi ungakwazi ukubuyisela imali ngesikhathi sakho esikhululekile.

Kodwa-ke, uma inani lesibambiso sakho lehla ngamaphesenti athile, uzocelwa ukuthi wengeze amathokheni amaningi. Uma ungenzi kanjalo, inkundla yemalimboleko ye-DeFi izophoqeleka ukuthi ithengise esinye isibambiso sakho.

Khulisa Ukuchayeka kwakho ku-Crypto  

Izikweletu ze-DeFi zingaba ithuluzi elihle lokucabangela uma ubheka ukwandisa inani lokuchayeka kwakho emkhakheni wezimpahla zedijithali ngaphandle kokukhipha amathokheni akho. Lokhu kungenxa yokuthi usazolawula isibambiso osifaka inqobo nje uma imali mboleko isasele. Ngakho-ke, uma inani lesibambiso likhuphuka, uzozuza kulokhu.

Ngaphezu kwalokho, imali oyithola kwimalimboleko ye-DeFi ingaphinda itshalwe ibuyiselwe esikhaleni se-crypto. Lokhu kuzokuvumela ukuthi ulawule inani elikhulu le-crypto - ngaphandle kokudinga ukuba nemali onayo.

Ngokwesibonelo:

• Ake sithi unenani elingu-$3,000 le-AAVE
• Ngesikhathi sokutshala imali, i-AAVE ihweba ngo-$100
• Ufaka le AAVE endaweni ye-DeFi futhi uboleke imali engu-50% LTV
• Unquma ukuthatha imalimboleko yakho ku-AAVE
• Lokhu kusho ukuthi uthola u-$1,500 we-AAVE
• Ngemuva kwezinyanga ezimbili, i-AAVE ihweba ngo- $140 - ngakho-ke lokho kungukukhuphuka kwama-40%

Unquma ukukhipha utshalomali lwakho ukuze uzuze ekukhuphukeni kwevelu ye-AAVE.

Inzuzo yakho imi kanje:

• Kudiphozithi yakho yokuqala engu-$3,000 - lokhu kukhuphuke ngo-40%. Ngakho-ke, utshalomali lwakho lwangempela selubiza u-$4,200 - ngakho-ke lokho kuyinzuzo engu-$1,200.
• Ku-$1,500 AAVE oyibolekile, lokhu kukhuphuke ngo-40%. Lokhu kufana nenani elisha lika-$2,100 - ngakho inzuzo engu-$600
• Sekukonke, wenze inzuzo engu-$1,800 kulo msebenzi wemalimboleko we-DeFi

Kunjalo, nawe uzobe usuyikhokhile inzalo ethile kulezi zinyanga ezintathu isikweletu sakho esihlale singakukhokhi. Noma kunjalo, ama-APR emalimboleko ye-DeFi angancintisana kakhulu - ngakho kulesi sibonelo, wenze inani elihle lenzuzo.

Udinga ukucabangela ubungozi bokuthatha imali ebolekiwe ye-DeFi ngenjongo yokwandisa ukuchayeka kwakho emkhakheni we-crypto. Ngemuva kwakho konke, uma inani lesibambiso sakho lehla, khona-ke ipulatifomu yemalimboleko ye-DeFi ingase iphoqeleke ukuthi iqede amathokheni.

Ngaphezu kwalokho, uma inani lamathokheni owabolekile lehla, cishe uzoba semalini engalungile.

Kwa-DeFi Swap - Ukushintshaniswa Okuhamba Phambili Kwabambisene Nokulima Nokuvunwa 

Asikho isiqinisekiso sokuthi uzokwenza imali lapho utshala imali kulo noma yimuphi umkhiqizo noma isevisi ye-DeFi. Qhubeka ngokuzifaka wena engozini.

Ingabe i-DeFi iyisitshalomali esihle?

Nakuba i-DeFi manje isiwumkhakha wezigidigidi zamadola, lesi sigameko sokutshala izimali sisaqala. Ngakho-ke, kuningi ukukhula okusele etafuleni uma ukwazi ukutshala imali ngenkathi umkhakha usemusha.

Umqondo oyinhloko we-DeFi ukuthi ihlinzeka ngendlela yokuthi abantu batshale izimali ngaphandle kwesidingo sokudlula kumhlinzeki ophakathi nendawo - njengebhange noma isikhungo sezezimali. Kunalokho, abatshalizimali bangaxhuma ngokuqondile nabanye ababambiqhaza bemakethe.

Uma ungakaqiniseki ukuthi i-DeFi iyindawo efanele yini yokutshala imali - cabangela ezinye zezinzuzo eziyinhloko esixoxa ngazo ezigabeni ezingezansi.

Isivuno Esingaphezu Kwesilinganiso  

Imikhiqizo yendabuko yokutshala imali iya ngokuya ithandeka ngokuya ngeminyaka. Isibonelo, e-US naseYurophu, akuvamile ukuthi abongi bakwazi ukukhiqiza isivuno esingaphezu kuka-1% kumadiphozithi avamile e-akhawunti yasebhange.

Lokhu kusho ukuthi ngokufaka izimali ku-akhawunti yokonga, ngeke ukwazi ngisho nokukhokhela izinga lokwehla kwamandla emali. Uma ucabangela ukuthi ukwehla kwamandla emali kudlule u-7% e-US kusukela ekuqaleni kuka-2022, lokhu kusho ukuthi inani lemali yakho lizoqhubeka nokwehla.

Uma kuqhathaniswa, uma utshala imali ku-DeFi, unamandla okukhiqiza isivuno esihle kakhulu emalini yakho. Eqinisweni, kulula ukwedlula izinga lokwehla kwamandla emali ngenani elikhulu.

Njengesibonelo esihle kakhulu, ungafaka i-DeFi Coin esivumelwaneni sesiteki se-DeFi Swap izinyanga eziyi-12 bese uzuza i-APY ka-75%. Njengoba kuphawuliwe ekuqaleni, ungakwazi ngisho nokuzuza imbuyiselo enamadijithi amathathu kuma-stablecoins axhunywe kudola.

Awekho amasheke angemuva kwezezimali  

Enye yezinsika ezinkulu ze-DeFi ukuthi izinsiza zezezimali kufanele zifinyelelwe yibo bonke - kungakhathaliseki indawo yomuntu noma isizinda sakhe.

Ngakho-ke, kungakhathaliseki ukuthi isimo sakho sezezimali sibukeka kanjani, amapulatifomu afana ne-DeFi Swap azohlangabezana nezidingo zakho zokutshala izimali.

Okubaluleke kakhulu, lapho utshala imali usebenzisa inkundla ye-DeFi, ngeke kudingeke ukuthi uhlole isizinda sezimali sanoma yiluphi uhlobo. Ngeke uze udingeke ukuthi unikeze noma yiluphi ulwazi lomuntu siqu noma imininingwane yokuxhumana.

Kunalokho, okudingeka ukwenze nje ukuxhuma isikhwama sakho semali endaweni efanele bese ukhetha umkhiqizo wokutshala imali we-DeFi ofisa ukuwufinyelela.

Abekho Abantu Besithathu   

Uma utshala imali emkhakheni wezezimali ojwayelekile - noma ngabe lokho kuyizitokwe, izimali, noma igolide - udinga ukungena kumthengisi wezinkampani zangaphandle.

Lokhu kusho ukuthi umthengisi uzoba nesibopho sokugcina utshalomali lwakho ngokuphephile egameni lakho. Ngokulandelayo, awudingi nje kuphela ukwethemba umthengisi okukhulunywa ngaye kodwa uzokhokhiswa izinhlobonhlobo zezinkokhelo namakhomishini.

• Lokhu kuhluke kakhulu endleleni i-DeFi esebenza ngayo.
• Ngemuva kwakho konke, amapulatifomu afana ne-DeFi Swap ahlukaniswa, okusho ukuthi ungakwazi ukufinyelela izinsizakalo zezezimali ngaphandle kokudlula kumuntu oxhumanisa.
• Ngaphezu kwalokho, futhi mhlawumbe okubaluleke kakhulu, ngeke kudingeke ukuthi ufake amathokheni akho endaweni yesikhulumi ngokwayo.
• Esikhundleni salokho, izimali zizodluliselwa kunkontileka ehlakaniphile eyisisekelo - umhlinzeki we-DeFi angeke akwazi ukuyilawula.

Sekukonke, ngokutshala imali ku-DeFi, ungafinyelela izinsiza zokutshala imali ngokuqondile ngaphandle kokudinga ukusebenzisa izinsiza zomuntu wesithathu.

I-Small Market Capitalization    

Ngokusho kwewebhusayithi ehamba phambili yokuhlanganiswa kwedatha i-CoinGecko, njengoba kubhalwa, wonke umkhakha we-DeFi usabalwa ngaphansi kwamaRandi ayizigidi eziyizinkulungwane ezingu-50.

Ohlelweni olukhulu lwezinto, lona umzuzu. Ngakho-ke, akukaze kube khona isikhathi esingcono sokutshala imali ku-DeFi - njengoba le mboni isabukelwa phansi kakhulu.

I-CoinGecko iphinde iphawule ukuthi ekuqaleni kuka-2020, umkhakha we-DeFi wawuphethe imali yemakethe yama-dollar ayizigidi eziyizinkulungwane ezingu-1.7 kuphela. Lokhu kusho ukuthi eminyakeni engaphezudlwana nje kwemibili, indawo ye-DeFi inyuke ngenani ngaphezu kuka-2,700%.

Isiphetho

Kafushane, lo mhlahlandlela uchaze izindlela ezingcono kakhulu zokutshala imali ku-DeFi njengamanje. Sihlanganise yonke into kusukela ekulimeni nasekukhiqizeni isivuno kuya kuma-akhawunti enzalo kanye nemalimboleko.

Kodwa-ke, mhlawumbe indlela engcono kakhulu yokutshala imali emalini eyabelwe ukusebenzisa ithokheni ye-DeFi enezinga eliphezulu.

I-DeFi Coin, ngokwesibonelo, isekela ukushintshaniswa kwe-DeFi Swap - enikeza ama-APY akhangayo ngamachibi okulima agxilile kanye nesivuno. Ngaphezu kwalokho, abathengisi bentela be-DeFi Coin ku-10% - ingxenye yayo isatshalaliswa kubanikazi bamathokheni abakhona ngenkontileka ehlakaniphile engaguquleki.

Ngakho-ke, abanikazi be-DeFi Coin besikhathi eside bavuzwa ngezinkokhelo eziqhubekayo ze-dividend.

Asikho isiqinisekiso sokuthi uzokwenza imali lapho utshala imali kulo noma yimuphi umkhiqizo noma isevisi ye-DeFi. Qhubeka ngokuzifaka wena engozini. 

Imibuzo Evame Ukubuzwa