Detsentraliseeritud finantseerimine (DeFi) viitab veebisaitidele, mis pakuvad detsentraliseeritud finantstööriistu ja -teenuseid, nagu investeerimine, laenamine, laenamine, kauplemine, sümboolne kinnisvara ja kindlustus.
Tsentraliseeritud finantseerimise korral istub pank või finantsasutus tavaliselt raha haldamise keskel; detsentraliseeritud finantseerimisega tehakse seda peer-to-peer, kasutades plokiahela tehnoloogiat.
DeFi is one of the biggest trends in the blockchain industry, as many believe it will overtake traditional finance. In this piece, our editors have researched the Parimad DeFi platvormid to make the most of this new world of finance.
Beyond TVL: kuidas me järjestame DeFi
Our editors use a set of criteria that allow us to gauge the “trust factor” of DeFi websites, such as year of launch, community following and koguväärtus lukus (TVL) in the protocols. Even though DeFi is a young industry, we’re looking for platforms that have stood the test of time, with a large user base and lots of value.
Most DeFi rankings look exclusively at TVL, which is misleading. The DeFi industry has over $100 billion locked in apps: think of this like money “locked” in traditional mutual funds or CDs. TVL does matter, as it represents the sum of funds available to a DeFi platform, like the lending and borrowing capacity of a bank.
Sellegipoolest meelitavad paljud DeFi projektid kiiresti palju kapitali ja süttivad seejärel kiiresti, kui kasutajad teenusest lahkuvad. Seega on TVL vaid üks osa pildist. Ootame ka pikaealisust ja pikaajalist võimet säilitada tugevat kasutajate kogukonda – samamoodi vaatleksime panga ajalugu ja klientide õnne, mitte ainult selle suurust.
| Nimi | Platform Launch Year | plokk Chain | Teenused | Total ($) Value Locked in DApp | Community Following (Measured by Twitter Followers) | Punktisumma |
|---|---|---|---|---|---|---|
| Tootja | 2018 | Ethereum | Laenamine ja laenamine / Stablecoin | $18,590,000,000 | 190,400 | |
| Curve Finance | 2020 | Ethereum | Borrowing and Lending/Decentralized Exchange | $15,560,000,000 | 205,000 | |
| Aave | 2017 | Ethereum | Laenamine ja laenamine | $12,670,000,000 | 349,000 | |
| SEGU | 2018 | Ethereum | Laenamine ja laenamine / Stablecoin | $11,030,000,000 | 198,800 | |
| Lahutage | 2018 | Ethereum | Token Exchange/Lending | $8,290,000,000 | 718,000 | |
| WBTC | 2019 | Ethereum | DeFi märk | $13,000,000,000 | 9,000 | |
| Kumer rahandus | 2019 | Ethereum | vara | $9,700,000,000 | 21,000 | |
| aastarahastus | 2020 | Ethereum | Borrowing and Lending/Yielding Farming | $4,350,000,000 | 152,000 | |
| Sushiwap | 2020 | Ethereum | DEXid | $3,720,000,000 | 164,000 | |
| Likviidsus | 2020 | Ethereum | Laenud | $2,430,000,000 | 22,000 |
Sources: DeFiPulse, DeFiReview, coinmarketcap, project websites
Tootja
Curve Finance
Aave
Aave, endise nimega ETHLend, on Ethereumiga töötav detsentraliseeritud võrdõigusturg digitaalsete varade laenamiseks ja laenamiseks. Võrdlaenuplatvorm võimaldab laenuvõtjatel ja laenuandjatel kokku leppida laenutingimustes, mis seejärel nutikate lepingute abil täidetakse.
SEGU
Compound Finance on Ethereumil põhinev avatud lähtekoodiga rahaturgude protokoll, mis võimaldab kasutajatel tagatise vastu laenata või laenata. Igaüks võib osaleda Compoundi likviidsuskogumis ja hakata oma digitaalsete varade pealt intressi teenima. Intressimäärad kohanduvad vastavalt platvormi pakkumisele ja nõudlusele. Ühend toetab muude digitaalsete varade hulgas ka DAI-d, ETH-d ja USDC-d.
Lahutage
Uniswap on Ethereumi võrgu detsentraliseeritud börs, mis võimaldab kasutajatel iseseisvalt ja kiiresti kaubelda ERC20 žetoonidega. See teeb seda algoritmi abil, mis sobitab tehingud pakkumise ja nõudluse alusel likviidsuskogumis, eemaldades vahendajad ja vahendajad.
WBTC
A single WBTC is an ERC20 token with a value equal to one bitcoin. WBTC allows for BTC to exist on the Ethereum network, providing much greater liquidity to the DeFi ecosystem. It also enables users to stake BTC on interest yielding protocols.
Kumer rahandus
Convex Finance on DeFi protokoll, mis on üles ehitatud Curve rahastamisele. Kumer protokoll maksimeerib saagikust, muutes kõvera suurendamise kogemuse sujuvamaks. Curve LP (likviidsusbassein) pakkujad saavad taotleda suurendatud CRV-d (Curve DAO Token) ja teenida kauplemistasusid ilma CRV-d ise lukustamata. Kasutajad saavad märgi nimega cvxCRV, kui nad panustavad Convexi teatud koguse CRV-märke. Lisaks saavad kasutajad panustada cvxCRV žetoone ja saada panusepreemiatena CVX tokeneid koos osaga CRV preemiatest alates Curve kuni Convex.
aastarahastus
The Yearn.Finance Protocol is an aggregator that aims to maximize earnings from yield farming platforms that leverage stablecoins. It does so by automatically switching between lending platforms as one becomes more profitable than the other. It does not, however, change the actual token initially deposited.
Sushiwap
Sushiswap is an automated market maker(AMM) based on Uniswap’s code. This means it lets users trade digital assets without a central authority managing the trades. Instead, trades are processed using smart contracts, while mathematical formulas automatically set prices. Users can borrow, swap digital assets and earn rewards.
Likviidsus
Liquity is an interest-free decentralized borrowing protocol and stablecoin running on the Ethereum blockchain. Liquity uses ETH(Ether) as collateral to lend LUSD(a stablecoin pegged to USD). Borrowers lock ETH in a smart contract to create a “trove”, a Collateral Debt Position(CDP) where users interact with their loans. The debt value can be changed by either repaying the debt or adding more collateral. When the collateral is below 110%, the Trove is liquidated.
DeFi kasutamise alustamine
DeFi kasutamise alustamiseks on mitu võimalust.
- Tulu teenimine: One way to earn “interest” on your crypto assets is by depositing them in DeFi platforms such as Aave or SEGU that will pay you an Annual Percentage Yield. (See our current list of Parimad DeFi hinnad.)
- Likviidsuse kaevandamine: see allows users to earn yield for providing liquidity (capital) to a liquidity pool on a DEX (Decentralized Exchange). Users may also be paid rewards in the DEX’s in-house token, which may increase in value, a bit like owning “stock” in the company. (See our list of Top Dexi koondajad.)
- Trading on DEXs: Decentralized exchanges let people directly trade with each other, unlike centralized exchanges. This means you can often trade smaller coins on DEXes that you won’t find in centralized exchanges.
Witnessing the furious growth of DeFi projects has been astonishing. With new decentralized financial services being added every week, it’s one of the most exciting areas to watch.
Kas soovite DeFi kohta rohkem teavet saada? Telli Bitcoin Market Journal täna!
Postitus 10. aasta 2021 parimat DeFi platvormi ilmus esmalt Bitcoini turu ajakiri.
Source: https://www.bitcoinmarketjournal.com/defi-platforms/