DeFi: duk abin da kuke buƙatar sani game da juyin juya halin kuɗi da aka raba

DeFi duk fushi ne (tambayi Poly Network). DeFi gajere ne don 'kudin da aka raba', kalmar da ta ƙunshi adadin aikace-aikacen kuɗi a cikin cryptocurrency ko blockchain mayar da hankali kan kawar da masu shiga tsakani na kudi na gargajiya. Ciki har da lamunin banki ko lamuni daga hukumomi kamar Cofidis ko Cetelem. A wannan makon, ADA Cardano ya ɗauki babban mataki a cikin aiwatar da kyawawan kwangila wanda zai haɓaka hanyar sadarwar DeFi nasu, a shirye don yin gasa tare da na Ethereum maɗaukaki. Jiya kawai, Shugaban Kamfanin Twitter Jack Dorsey ya ba wa wannan fasaha wani haɓaka ta hanyar sanar da cewa Square zai ƙaddamar da wani dandamali don masu haɓakawa don ƙirƙirar ayyukan "tsararrun kuɗi" da aka gina akan Bitcoin. Menene ma'anar wannan? A ƙasa a Cafe con Leche muna bayyana muku shi. Kar a rasa, a karshen labarin, Jerin tare da mafi mahimmancin cryptocurrencies da alamun DeFi na 2021.

Menene DeFi?

Poly Network Yana fama da Mafi Girma Hack DeFi wanda Aka taɓa Rikodi

Bari mu koma Dorsey, wanda a jiya ya bayyana abin da ya yi niyyar cimmawa ta hanyar haɗa tsarin DeFi zuwa Square: A cikin zaren Twitter guda ɗaya inda ya bayyana hakan, Dorsey ya ce Square ya shirya ƙirƙirar "sabon kasuwanci" tare da "manufa na" sauƙaƙe ƙirƙira ayyukan kuɗi marasa izini, marasa izini da raba hannun jari », a cikin abin da zai zama ɗaya daga cikin manyan ayyukan farko na wannan nau'in a cikin kasuwa mai tasowa.

Ba tare da ma'ana ba, Dorsey ya ba mu ma'ana mai ban mamaki-taƙaice abin da DeFi yake.

DeFi an yi wahayi zuwa ta hanyar blockchain, fasahar da ke bayan kuɗin dijital Bitcoin, wanda yana bawa ƙungiyoyi da yawa damar samun kwafin tarihin ma'amala, wanda ke nufin cewa ba a sarrafa shi ta hanyar tushe guda ɗaya. Wannan shine, watakila, mafi mahimmancin al'amari kuma wasa mai canzawa rashin daidaituwar kuɗi saboda, sabanin abin da ke faruwa tare da cibiyoyin sadarwar DeFi, Tsare-tsare na tsakiya da masu tsaron ƙofa na ɗan adam na iya iyakance sauri da haɓakar ma'amaloli tare da baiwa masu amfani da ƙarancin ikon sarrafa kuɗin su kai tsaye..

Kwangiloli masu wayo: ADA Cardano ya kammala saukarsa a cikin duniyar DeFi

Me yasa DeFi ke da mahimmanci?

DeFi ya keɓe kansa ta hanyar faɗaɗa amfani da blockchain daga sauƙin canja wurin dabi'u zuwa ƙarin hadaddun amfani da kuɗi.

Bitcoin da sauran kadarori na dijital da yawa sun bambanta da hanyoyin biyan kuɗi na dijital na gado, kamar Visa da PayPal, a cikin hakan cire duk masu shiga tsakani daga ma'amaloli. Lokacin da kuka biya tare da katin kiredit don kofi a cikin cafeteria, cibiyar kuɗi tana tsayawa tsakanin ku da kasuwanci, tare da sarrafa ma'amala, riƙe ikon dakatarwa ko dakatar da shi da yin rikodin shi a cikin kundinsa na sirri. Tare da bitcoin da sauran cryptos, waɗannan cibiyoyin sun fita daga wasan.

Sayayya kai tsaye ba shine kawai nau'in ciniki ko kwangilar da manyan kamfanoni ke kulawa ba kuma yanzu suna ƙarƙashin juyin juya halin DeFi: aikace-aikacen kuɗi, kamar su. rance, inshora, taron jama'a, abubuwan da aka samo, caca da sauran su ma suna ƙarƙashin ikonsa. Kawar da masu shiga tsakani daga kowane nau'in ma'amala shine ɗayan manyan fa'idodin DeFi.

Kafin ya zama sananne a matsayin kuɗin da ba a san shi ba, ana kiran ra'ayin DeFi a matsayin "bude kudi."

defi ethereum
Jihar Ethereum ta DeFi Ecosystem

Ethereum DeFi aikace-aikace

Yawancin aikace-aikacen da ke kiran kansu "DeFi" an gina su akan cibiyoyin sadarwar Ethereum, dandamali na cryptocurrency na biyu mafi girma a duniya. ETH, wanda ke shirin ƙaddamar da haɓakawa na Ethereum 2.0, ya bambanta da dandalin Bitcoin saboda yana da sauƙin amfani da shi don gina wasu nau'ikan aikace-aikacen da aka rarraba fiye da ma'amaloli masu sauƙi. Waɗannan ƙarin lamurra masu rikitarwa na amfani da kuɗin kuɗi sun ma haskaka ta mahaliccin Ethereum Vitalik Buterin a cikin 2013 a cikin ainihin takardar farar Ethereum.

Sorare: tattara lambobi na ƙwallon ƙafa ya zama abin sha'awa mai tsada sosai

Wannan saboda dandamali na Ethereum don kwangilar wayo (ko smart contracts, yarjejeniya tsakanin ɓangarorin biyu waɗanda ke aiwatar da ma'amaloli ta atomatik idan an cika wasu sharuɗɗa) yana ba da sassauci da yawa fiye da Bitcoin. Harsunan shirye-shiryen Ethereum, kamar Solidity, an tsara su musamman don ƙirƙira da tura irin waɗannan kwangiloli masu wayo.

Alal misali, Bari mu ce mai amfani yana son a aika wa abokinsa kuɗinsa a ranar Talata mai zuwa, amma idan zafin jiki ya tashi sama da digiri 35. centigrade bisa ga weather.com. Ana iya rubuta waɗannan dokoki a cikin kwangilar wayo.

Tare da kwangiloli masu wayo a ainihin su, yawancin aikace-aikacen DeFi suna gudana akan Ethereum, wasu daga cikinsu zamu bincika na gaba a cikin wannan labarin. Ethereum 2.0, haɓaka mai zuwa zuwa cibiyar sadarwar da ke ƙarƙashin Ethereum, na iya ba wa waɗannan aikace-aikacen haɓaka ta hanyar rage al'amurra na scalability na Ethereum.

Menene Ethereum 2.0 kuma yaushe za a sake shi?

Halayen shahararrun aikace-aikacen DeFi da aka yi amfani da su

Mafi kyawun dandamali na DeFi da Apps 20201

Musanya Mai Rarraba (DEX)

Musanya kan layi yana taimaka wa masu amfani don musanya kudade ga wasu, zama dalar Amurka don Bitcoin ko ether don DAI. DEXs sanannen nau'in musayar ne, yana haɗa masu amfani kai tsaye ta yadda za su iya cinikin cryptocurrencies da juna ba tare da ba da kuɗinsu ga mai shiga tsakani ba.

Stablecoins

Ƙididdigar ƙira wanda aka lika zuwa wani kadara a wajen cryptocurrency (dala ko Yuro, alal misali) don daidaita farashin.

Dandalin lamuni

Waɗannan dandamali suna amfani da kwangiloli masu wayo don maye gurbin masu shiga tsakani, kamar bankuna, waɗanda ke sarrafa lamuni a tsakani.

Bitcoins "nannade" (An nade BTC, WBTC)

Hanyar aika Bitcoin zuwa cibiyar sadarwar Ethereum ta yadda za a iya amfani da Bitcoin kai tsaye a cikin tsarin Ethereum DeFi. WBTCs suna ba masu amfani damar samun riba a kan Bitcoin da suke ba da rance ta hanyar dandamalin ba da lamuni da aka bayyana a sama.

Kasuwannin hasashen

Shagunan yin fare? Waɗannan kasuwanni ne don yin fare kan sakamakon abubuwan da za su faru nan gaba, kamar sakamakon wasan ƙwallon ƙafa ko zaɓen siyasa. Manufar nau'ikan DeFi na kasuwannin hasashen shine bayar da ayyuka iri ɗaya amma ba tare da masu shiga tsakani ba.

Sabbin aikace-aikacen DeFi don samun kuɗi

Yi amfanin gona

Ga ƙwararrun ƴan kasuwa waɗanda ke shirye su ɗauki kasada, akwai noma mai albarka, wanda masu amfani ke bincika alamun DeFi iri-iri don damar samun riba mai girma.

Liquidity ma'adinai

Lokacin da ƙa'idodin DeFi ke jan hankalin masu amfani zuwa dandalin su ta hanyar ba su alamun kyauta. Wannan shine mafi shaharar nau'in noman amfanin gona.

Daidaituwa

DeFi apps buɗaɗɗe ne, wanda ke nufin hakan lambar da ke bayan su na jama'a ne don kowa ya gani. Don haka, ana iya amfani da waɗannan aikace-aikacen don "ƙira" sabbin aikace-aikace tare da lambar azaman tubalan ginin.

Legos kudi

Don bayyana manufar "composability" ta wata hanya. DeFi apps kamar Legos ne, katangar kayan wasan yara da yara ke haɗawa don gina gine-gine, motoci, da dai sauransu. Ana iya haɗa aikace-aikacen DeFi ta hanya mai kama da "masu yin kuɗi" don gina sabbin samfuran kuɗi.

Lamunin kuɗi na DeFi

Kasuwar lamuni sanannen nau'i ne na DeFi, haɗa mutane masu buƙatar kuɗi ko bashi (masu aro) tare da masu ba da lamuni na cryptocurrency. Dandali kamar M, wanda ke ba masu amfani damar aro cryptocurrencies ko ba da lamunin nasu. Masu amfani za su iya samun kuɗi daga riba don ba da rancen kuɗinsu. Compound yana saita ƙimar riba ta algorithmically, don haka idan akwai ƙarin buƙatun lamunin cryptocurrency, ƙimar riba za ta kasance mafi girma.

Lamunin DeFi sun dogara ne akan lamuni, wanda ke nufin cewa don karɓar lamuni, mai amfani dole ne ya sanya haɗin gwiwa (sau da yawa ether, alamar da ke iko da Ethereum). Wannan yana nufin haka masu amfani ba sa ba da ainihin su ko ƙimar kiredit mai alaƙa don neman lamuni, wanda shine yadda lamuni na yau da kullun ke aiki, ba DeFi ba.

Stablecoins

Wani nau'i na DeFi shine stablecoin. Cryptocurrencies sau da yawa suna fuskantar sauye-sauyen farashi fiye da kuɗin fiat, wanda ba abu ne mai kyau ba ga waɗanda ke son sanin adadin kuɗin su zai kai mako guda daga yanzu. da stablecoins danganta cryptocurrencies zuwa wasu kudade, kamar dalar Amurka (wannan shine batun USDT Tether, wani abu da aka yi tambaya a cikin 'yan watannin nan), don kiyaye farashin a karkashin iko. Kamar yadda sunan su ya nuna, da stablecoins Ana nufin su kawo "kwanciyar hankali" zuwa farashi.

Kasuwannin hasashen

Ɗaya daga cikin tsofaffin aikace-aikacen DeFi waɗanda ke rayuwa akan Ethereum shine abin da ake kira "kasuwar tsinkaya", wanda masu amfani suka yi fare kan sakamakon wani taron, kamar su. "Donald Trump zai lashe zaben shugaban kasa na 2020?"

Manufar mahalarta a fili ita ce samun kuɗi, kodayake Kasuwannin tsinkaya na iya wani lokaci mafi kyawun hasashen sakamako fiye da hanyoyin al'ada, kamar safiyo. Kasuwannin tsinkaya na tsakiya tare da kyakkyawan rikodin waƙa a wannan batun sun haɗa da Intrade da PredictIt. DeFi yana da yuwuwar fitar da sha'awar kasuwannin tsinkaya kamar yadda al'adar gwamnatoci ke nuna adawa da su kuma galibi ana rufe su lokacin da ake sarrafa su ta tsakiya.

DeFi FAQs

Ta yaya zan iya samun kuɗi da DeFi?

Ƙimar da adadin kuɗin da aka saka a cikin ayyukan Ethereum DeFi ya haura sama a cikin 2021 godiya, a wani ɓangare, ga shaharar dandamali irin su PanCake Swap ko UniSwap, da yaduwar alamun. shitcoins, tare da yawancin masu amfani da zato suna samun kuɗi mai yawa. Da kuma wasu da suka yi asara saboda zamba (zamba) kuma rugpulls (jefa a kan kafet, yana nuni ga janyewar kwatsam kuma ba tare da sanarwa na farko na babban birnin da mahaliccin alamar ya saka ba).

Godiya ga musayar alama da aikace-aikacen lamuni dangane da Ethereum, Masu amfani za su iya samar da "kuɗaɗen shiga" ta hanyar ba da rancen kuɗinsu da samun riba akan lamunin.  Noman amfanin gona, wanda aka kwatanta a sama, yana da yuwuwar samun yawan amfanin ƙasa, amma tare da babban haɗari. Yana ba masu amfani damar cin gajiyar yanayin lamuni na DeFi zuwa sanya kadarorin ku na crypto don yin aiki don samar da mafi kyawun dawowar mai yiwuwa. Duk da haka, waɗannan tsarin sun kasance masu rikitarwa kuma sau da yawa ba su da gaskiya.

Shin yana da aminci don saka hannun jari a DeFi?

Ba shi da aminci don saka kuɗin ku a DeFi. Wannan ya kamata a bayyane. Yana da haɗari. Mutane da yawa sun yi imanin cewa DeFi shine makomar kuɗi kuma saka hannun jari a cikin fasahar rushewa da wuri zai iya haifar da riba mai yawa. Amma yana da wahala ga sababbin masu zuwa su iya raba ayyuka masu kyau da marasa kyau. Kuma gaskiyar ita ce, an yi miyagu da yawa. A wannan ma'anar, yana da mahimmanci don gudanar da aikin bincike mai kyau (mai hankali) kafin saka kuɗi a kowane nau'in aikin DeFi, alama, cryptocurrency ko shitcoin.

Kamar yadda DeFi ya haɓaka cikin aiki da shahara ta hanyar 2020, yawancin aikace-aikacen DeFi, kamar tsabar kudin YAM meme, sun yi karo da konewa, suna aika da kasuwar $ 60 miliyan zuwa 0 a cikin mintuna 35. Sauran ayyukan DeFi, kamar Hotdog da Pizza, sun sha wahala iri ɗaya, kuma yawancin masu zuba jari sun yi asarar kuɗi mai yawa.

Bugu da ƙari, abubuwan DeFi har yanzu abin takaici suna da yawa. Kwangiloli masu wayo suna da ƙarfi, amma ba za a iya canza su da zarar an shigar da dokoki cikin ƙa'idar, galibi suna sanya kwari su zama dindindin kuma don haka ƙara haɗari.

DeFi zai kasance na al'ada? Yaushe DeFi zai tafi na yau da kullun?

Ko da yake ana ƙara jawo mutane zuwa ƙa'idodin DeFi, yana da wuya a faɗi inda za su je. Ya danganta da wanda ya same su da amfani kuma me yasa. Mutane da yawa sun yi imanin cewa ayyukan DeFi daban-daban suna da yuwuwar zama Robinhood na gaba (Shahararriyar ƙa'idar Amurka don saka hannun jari a hannun jari da abubuwan haɓakawa), jawo hankalin ɗimbin sabbin masu amfani ta hanyar sanya aikace-aikacen kuɗi ya zama mai haɗawa da buɗewa ga waɗanda ba su da damar shiga waɗannan dandamali a al'adance.

DeFi yana da alƙawarin. Amma kuma ciwon kai ne. Wannan fasaha ta kudi sabuwa ce, gwaji ce, kuma ba tare da matsalolinta ba, musamman idan ana batun tsaro ko daidaitawa.

Masu haɓakawa suna fatan gyara waɗannan matsalolin akan lokaci. Ethereum 2.0 na iya magance matsalolin haɓakawa ta hanyar ra'ayi da aka sani da sharding, hanya ce ta wargaza bayanan da ke ƙasa zuwa ƙananan ɓangarorin da suka fi dacewa ga masu amfani da su. Bugu da ƙari, ya rage a ga abin da hanyar sadarwar DeFi da za ta fito daga ADA Cardano mai kaifin kwangiloli a ƙarshen 2021 zai iya.

Ta yaya Ethereum 2.0 zai shafi DeFi?

Ethereum 2.0 ba zai zama tabbataccen mafita ga duk matsalolin DeFi ba, amma zai zama kyakkyawan farawa. Sama da duka saboda girman haɓakar haɓakar ma'amalar da zai gabatar, yana da tasiri mai kyau akan farashi da sauri. Sauran ka'idoji, irin su Raiden da TrueBit, suma suna shirye-shiryen warware matsalolin haɓakar Ethereum.

Idan an yi amfani da waɗannan mafita a aikace, gwaje-gwajen Ethereum DeFi za su sami mafi kyawun damar zama samfuran gaske, har ma da zama na yau da kullun.

Bitcoin kamar DeFi

Ko da yake Ethereum shine jagoran duniya a DeFi, yawancin masu goyon bayan Bitcoin suna raba burin cire masu tsaka-tsaki daga mafi yawan hadaddun hada-hadar kudi, kuma sun ɓullo da hanyoyin yin hakan ta amfani da ka'idar Bitcoin.

Kamfanoni kamar DG Labs da Suredbits, alal misali, suna aiki akan fasahar Bitcoin DeFi da ake kira kwangilar leda mai hankali (DLC). DLC tana ba da hanya don aiwatar da ƙarin hadaddun kwangilolin kuɗi, kamar abubuwan ƙira, tare da taimakon Bitcoin. Ɗaya daga cikin shari'ar amfani da DLCs shine biyan wani Bitcoin kawai idan wasu sharuɗɗa na gaba sun cika, misali, idan Real Madrid ta ci nasara a wasan su na gaba, za a ba da kuɗin ga mai nasara.

Babban DeFi Cryptocurrencies (Yuli 2021)

sunan Farashin 24h% babi. Kasuwa girma (24h)
$16.37 0.78% $9,614,033,014 $347,235,243
Baza RAKA'A 21,212,242
UNI
$15.17 0.69% $6,673,773,492 $687,348,255
Chainlink 45,317,660 MAHADI
LINK
$31,416.44 0.86% $6,150,840,799 $166,475,518
Bitcoin Wrapped 5,301 WBTC
WBTC
$1.00 0.01% $5,499,314,849 $287,796,169
Dai 287,721,009 DAI
DAI
$249.11 3.40% $3,206,418,710 $308,945,860
Aave 1,237,260 GASKIYA
FAHIMTA
$6.38 0.53% $2,679,717,689 $219,429,278
Terra 34,358,742 WATA
LUNA
$12.55 5.10% $2,474,461,195 $299,424,503
Canza Pancake CIGABA 23,850,890
cake
$2,393.70 2.02% $2,372,941,694 $93,637,483
Maker MKR39,118
MKR
$373.70 2.21% $2,002,387,532 $187,283,908
M 501,155 komf
COMP
$10.83 2.25% $1,866,796,617 $44,620,155
ambaliyar ruwa 4,121,137 AVAX
Farashin AVAX
$0.5667 2.16% $1,642,221,710 $54,984,668
Mai zane 97,027,251 GRT
GRT
$8.88 1.21% $1,019,671,488 $101,061,761
Na roba 11,382,183 SNX
SNX
$27,365.51 5.05% $1,002,547,460 $237,682,061
shekara.finance 8,685 YFI
DA FI
$4.18 9.70% $978,645,124 $97,388,455
DANKANCAN 23,299,934 RUNES
RANE
$7.04 10.28% $897,566,564 $318,539,176
Sushi Swap SUSHI 45,158,033
SUSHI
$0.5679 10.75% $845,421,702 $389,225,182
Basic Hikima A hankali 685,393,881 BAT
Bat
$1.45 1.56% $786,196,018 $39,016,379
mdex MXN26,993,624
MDX
$2.78 1.21% $648,827,011 $39,966,424
Bancor 14,350,187 BNT
BNT
$1.41 0.63% $531,156,782 $94,408,277
Kwana DAO Token 66,630,238 CRS
VRC
$0.6148 2.45% $520,136,864 $47,701,478
0x 77,524,194ZRX
ZRX
$1.89 5.32% $515,115,225 $140,427,576
BakeryToken BAKA 74,342,077
BAKA
$8.20 1.74% $506,215,770 $40,190,437
Uma 4,903,542 AMU
Uma
$0.1904 3.49% $485,668,270 $22,692,238
Fantom 118,912,211 FTMs
MTF
$0.06174 2.18% $431,978,857 $16,276,465
Ankr ANKR 263,609,976
ANKR
$1.00 0.14% $397,905,142 $17,427,381
Neutrino USD farashin 17,415,884 USD
USDN
$31,405.12 0.43% $364,196,516 $8,251,311
Farashin BTC 263 RENBTC
RENBTC
$2.01 1.89% $361,315,463 $203,456,495
1inch 101,349,421 1 inch
1INCH
$0.3056 1.00% $305,229,243 $16,874,069
Ren 55,159,599 REN
Ren
$180.75 1.88% $271,952,484 $1,669,908
Gnosis 9,239 GN
gno
$3.82 4.06% $268,368,875 $43,633,424
Kawa.io 11,409,113 KAVA
KAVA
$1.29 0.01% $264,723,031 $31,475,537
Kyber Network Crystal Legacy 24,379,837 KNC
KNC
$0.2108 0.12% $258,517,374 $20,579,863
Loopring 97,564,627 LRC
LRC
$0.01928 1.17% $253,683,579 $21,862,737
Tsarin Yanki 1,134,143,547 RSR
RSR
$22.30 0.90% $245,694,472 $488,358,194
Augur 21,864,310 REP
wakili
$0.746 4.28% $236,287,287 $87,956,261
Protocol Protocol 117,899,931 kungiyoyi masu zaman kansu
OGN
$0.3822 0.32% $234,291,979 $17,464,758
Ocean Protocol 45,702,069 Teku
OCEAN
$2.42 3.75% $194,007,130 $12,921,782
iExec RLC 5,333,089 RLC
RLC
$6.29 8.27% $184,609,687 $21,536,740
Yarjejeniyar Yarjejeniya 3,425,173 JNI
INJ
$1.65 0.26% $176,127,810 $108,959,317
Doke shi gefe SXP 66,182,675
Farashin SXP
$5.00 5.21% $175,791,818 $33,200,645
Toaurawar Band 6,646,448 BATSA
BANDA
$0.01313 1.21% $166,278,330 $11,481,367
reef 874,621,792 REEF
KARANTA
$15.77 3.48% $164,025,114 $16,772,499
Venus 1,063,566 XVS
na sha biyar
$15.73 0.56% $157,269,710 $4,728,016
Tsabar kudi 300,631 UQCs
UQC
$30.93 2.89% $154,551,438 $20,580,464
Numeraire 665,312 NMR
NMR
$0.5257 0.77% $150,142,768 $43,060,698
Labarin Kuɗi na Alpha 81,903,595 ALFA
ALPHA
$77.03 2.62% $138,089,917 $24,687,939
Enzymes MLN 320,509
MILIYAN
$2.67 0.21% $133,279,699 $39,887,659
Magani 14,963,891 SRM
SRM

 

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