Decentralizirane finance (DeFi) se nanašajo na spletna mesta, ki ponujajo »decentralizirana« finančna orodja in storitve, kot so vlaganje, izposojanje, posojanje, trgovanje, tokenizirane nepremičnine in zavarovanje.
Pri centraliziranih financah banka ali finančna institucija običajno sedi na sredini in upravlja denar; pri decentraliziranih financah se to izvaja enakovreden z uporabo tehnologije veriženja blokov.
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 Najboljše platforme DeFi to make the most of this new world of finance.
Poleg TVL: Kako razvrščamo 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 skupna vrednost zaklenjena (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 $100 billion locked in apps: think of this like money “locked” in traditional mutual funds or CDs. TVL does matter, as it represents the sum of funds available to a DeFi platform, like the lending and borrowing capacity of a bank.
Kljub temu številni projekti DeFi hitro pritegnejo veliko kapitala, nato pa hitro izzvenijo, ko uporabniki zapustijo storitev. TVL je torej le en del slike. Iščemo tudi dolgo življenjsko dobo in dolgoročno sposobnost vzdrževanja močne skupnosti uporabnikov – na enak način bi gledali na zgodovino banke in zadovoljstvo strank, ne le na njeno velikost.
| Ime | Platform Launch Year | Blockchain | Storitve | Total ($) Value Locked in DApp | Community Following (Measured by Twitter Followers) | Rezultat |
|---|---|---|---|---|---|---|
| Ustvarjalec | 2018 | Ethereum | Izposojanje in posojanje/Stablecoin | $18,590,000,000 | 190,400 | |
| Krivulje financ | 2020 | Ethereum | Borrowing and Lending/Decentralized Exchange | $15,560,000,000 | 205,000 | |
| Aave | 2017 | Ethereum | Izposojanje in posojanje | $12,670,000,000 | 349,000 | |
| Sestavljeni | 2018 | Ethereum | Izposojanje in posojanje/Stablecoin | $11,030,000,000 | 198,800 | |
| Odklopite | 2018 | Ethereum | Token Exchange/Lending | $8,290,000,000 | 718,000 | |
| WBTC | 2019 | Ethereum | DeFi žeton | $13,000,000,000 | 9,000 | |
| Konveksne finance | 2019 | Ethereum | Sredstva | $9,700,000,000 | 21,000 | |
| letn.financiranje | 2020 | Ethereum | Borrowing and Lending/Yielding Farming | $4,350,000,000 | 152,000 | |
| Zamenjaj | 2020 | Ethereum | DEXI | $3,720,000,000 | 164,000 | |
| Likvidnost | 2020 | Ethereum | Kreditiranje | $2,430,000,000 | 22,000 |
Sources: DeFiPulse, DeFiReview, coinmarketcap, project websites
Ustvarjalec
Krivulje financ
Aave
Aave, prej znan kot ETHLend, je decentralizirana tržnica enakovrednih, ki jo poganja Ethereum, za izposojo in posojanje digitalnih sredstev. Platforma za enakovredno posojanje omogoča posojilojemalcem in posojilodajalcem, da se dogovorijo o pogojih posojila, ki se nato izvršijo s pametnimi pogodbami.
Sestavljeni
Compound Finance je odprtokodni protokol denarnih trgov, ki temelji na Ethereumu in uporabnikom omogoča izposojanje ali posojanje proti zavarovanju. Vsakdo lahko sodeluje v Compoundovem likvidnostnem skladu in začne služiti obresti na svoja imetja digitalnih sredstev. Obrestne mere se prilagajajo glede na ponudbo in povpraševanje na platformi. Compound med drugim podpira DAI, ETH in USDC.
Odklopite
Uniswap je decentralizirana borza v omrežju Ethereum, ki uporabnikom omogoča avtonomno in hitro trgovanje z žetoni ERC20. To počne z algoritmom, ki ujema posle na podlagi ponudbe in povpraševanja v likvidnostnem bazenu, pri čemer odstrani posrednike in posrednike.
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.
Konveksne finance
Convex finance je protokol DeFi, zgrajen na vrhu financ Curve. Protokol Convex poveča izkoristek s poenostavitvijo izkušnje povečanja krivulje. Ponudniki Curve LP (liquidity pool) lahko zahtevajo povečan CRV (Curve DAO Token) in zaslužijo provizije za trgovanje, ne da bi sami zaklenili CRV. Uporabniki prejmejo žeton, imenovan cvxCRV, ko položijo določeno količino žetonov CRV v Convex. Poleg tega se lahko uporabniki odločijo za vlaganje žetonov cvxCRV in prejmejo žetone CVX kot nagrade za vstavljanje skupaj z delom nagrad CRV od Curve do Convex.
letn.financiranje
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.
Zamenjaj
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.
Likvidnost
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.
Kako začeti uporabljati DeFi
DeFi lahko začnete uporabljati na različne načine:
- Zaslužek Yield: One way to earn “interest” on your crypto assets is by depositing them in DeFi platforms such as Aave or Sestavljeni that will pay you an Annual Percentage Yield. (See our current list of Najboljše cene DeFi.)
- Likvidnostno rudarstvo: Ta 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 Najboljši agregatorji Dex.)
- 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.
Želite dobiti več vpogleda v DeFi? Naročite se na revijo Bitcoin Market še danes!
Pošta 10 najboljših platform DeFi v letu 2021 pojavil prvi na Marketinški dnevnik Bitcoin.
Source: https://www.bitcoinmarketjournal.com/defi-platforms/