DeFi da CeFi: Wanne ne ke bayar da kyakkyawar makomar kudi?

Duniya na kudi na fuskantar juyin juya hali, kuma a tsakiyar wannan akwai ra'ayoyi guda biyu masu karfi da suke takara: Kudin Tsakiya (CeFi) da Kudin Rarrabawa (DeFi). Idan ka taɓa sayen Bitcoin a kan wani manhaja, ka yi hulɗa da CeFi. Idan ka taɓa bayar da ruwa ga wani tafkin don samun riba, ka yi amfani da DeFi.
Amma wanne tsarin ne ainihin ke da makullin
zu wani ingantaccen makomar kudi? Shin shine sanannen, mai tsaro ƙofar CeFi ko kuma ƙasar bude mai ban mamaki ta DeFi? Wannan ba wai kawai muhawara ce ta tunani ga masoya crypto ba; tambaya ce ta asali game da yadda za mu adana, aro, bayar da bashi, da saka jari ga zuriyoyi masu zuwa.A cikin wannan zurfin bincike, za mu bincika duka duniya, muna duba ƙarfinsu, raunin su, da kuma yadda platforms kamar Exbix na haɗa tazara don ba ku mafi kyawun duka biyu.
Tsara Yanayi: Menene CeFi da DeFi?
Kafin mu gwada su juna, bari mu bayyana masu fafatawa.
Kuɗin Tsakiya (CeFi) shi ne tsarin gargajiya na kuɗi, yanzu an yi amfani da shi ga kadarorin dijital. Yi tunanin bankuna, masu sayar da hannun jari, da kuma musayar crypto da kake yi amfani da su. A CeFi, wani hukuma—kamfani kamar Coinbase, Binance, ko Exbix—yana gudanar da dukkanin mu'amaloli. Suna riƙe da kuɗin ka, suna tabbatar da shaidarka, suna aiwatar da ciniki a madadinka, kuma suna ba da tallafi ga abokan ciniki. Kana dogara da su su zama masu kula da kadarorin ka cikin tsaro da alhaki.
Rarrabawa Kuɗi (DeFi) sabuwar tsarin zamani ce da aka gina akan fasahar blockchain, musamman Ethereum. Manufarta ita ce ta sake gina tsarin kuɗi na gargajiya (raba, aro, ciniki) ba tare da wani tsakiya ba. Maimakon kamfani, lambar kwamfuta—ta hanyar “kwangiloli masu wayo”—ke tabbatar da dokokin. Kana mu'amala kai tsaye da waɗannan hanyoyin ta amfani da walat na Web3 (kamar MetaMask), kuma koyaushe kana da cikakken iko akan kudadenka.
Babban bambanci yana taƙaitawa zuwa kalma guda: amincewa.
CeFi na cewa, “Ka yarda da mu.”
DeFi na cewa, “Ka yarda da lambar.”
Dalilin CeFi: Kofar Kariya
Ga yawancin mutane da ke shigo da sararin crypto, CeFi shine mai ma'ana da jin daɗi farawa. Hakanan yana daga cikin hanyoyin shiga duniya ta kudi ta gargajiya. Ga dalilin da yasa hakan ke da matukar karfi.
1. Kwarewar Mai Amfani da Sauƙin Amfani:
Tsarin CeFi suna da ƙwarewa wajen kwarewar mai amfani. Kirkirar asusu a dandalin kamar Exbix yana da sauƙin gaske. Hanyoyin suna da sauƙi, sayen crypto tare da katin kiredit yana
mai sauƙi, kuma dukkanin tsarin yana jin kamar bankin kan layi. Babu buƙatar sarrafa maɓallan sirri ko damuwa game da kuɗin gas don kowanne aiki. Wannan ƙaramin shinge na shigowa yana da mahimmanci ga karɓar jama'a.
2. Taimakon Abokin Ciniki:
Idan ka manta kalmar wucewa, ka aika kuɗi zuwa adireshin da ba daidai ba, ko ka fuskanci wata matsala, zaka iya tuntuɓar ƙungiyar tallafi. Wannan tsaro
net ba a'a ga canji ga masu amfani da yawa. A cikin duniya inda kuskure guda ɗaya na iya haifar da asarar da ba za a iya dawo da ita ba, samun taimako yana ba da babban kwanciyar hankali.
3. Haɗin Fiat:
CeFi yana da kyau wajen haɗa tazara tsakanin kuɗin fiat (USD, EUR, da sauransu) da cryptocurrency. Ajiye da cire kuɗin yankinku yana da sauƙin aiwatarwa wanda duk manyan kasuwanni ke bayarwa. Wannan
shine a light on the strengths of CeFi, which pure DeFi finds challenging to match at scale without a centralized authority.
4. Ayyuka da Sauri:
Hanyoyin musayar da aka tsara kamar Exbix na aiki akan bayanan cikin gida, ba a kan blockchain na jama'a ba. Wannan yana ba su damar cimma saurin mu'amala mai girma (dubban a cikin dakika) da
sai tsari odar nan take. Idan kana son aiwatar da kasuwanci mai rikitarwa da sauri, tsarin littafin odar dandalin CeFi yawanci yana da sauri da inganci.
5. Ayyukan Tsakanin Sassan:
Kana son musanya Bitcoin don wani token a kan hanyar Ethereum? A dandalin CeFi, wannan kasuwanci ne mai sauki. Musayar tana kula da dukkanin rikitarwa, a bayan fage, haɗin gwiwar blockchain a gare ka. A cikin
duniya DeFi na asali, wannan tsari yawanci yana da rarrabuwa kuma yana buƙatar matakai da yawa a cikin ƙa'idodi daban-daban.
Ga waɗanda ke neman sauƙin ciniki manyan haɗin gwiwa kamar TRX/USDT ko ETH/USDT, sauƙi da ruwa da aka samu a kasuwar tsaro kamar Exbix ba su da misali. Za ka iya aiwatar da dabarunka ba tare da damuwa ba game: the ability for individuals to have full control over their assets without relying on intermediaries. This self-custody model empowers users, allowing them to manage their wealth directly.
2. Accessibility and Inclusivity:
DeFi platforms are designed to be accessible to anyone with an internet connection, breaking down traditional barriers to entry in the financial world. This inclusivity fosters innovation and economic participation.
3. Programmable Money:
Smart contracts enable automated and programmable financial transactions, creating opportunities for new financial products and services that were previously unimaginable.
4. Transparency and Security:
DeFi operates on public blockchains, ensuring that all transactions are transparent and verifiable. This level of transparency enhances security and trust among users.
5. Interoperability:
Many DeFi platforms are built to work together, allowing users to move assets seamlessly across different protocols. This interoperability creates a more cohesive financial ecosystem.
In conclusion, while DeFi presents challenges, its advantages offer a compelling case for the future of finance. As the space continues to evolve, embracing these principles could lead to a more equitable and efficient financial system for all.
feature. “Ba ku maɓallin ku, ba ku da kuɗin ku.” A cikin DeFi, kuna riƙe maɓallan ku na sirri, wanda ke nufin kuna da cikakken iko da mulki akan kadarorin ku. Babu wani ɓangare na uku da zai iya yin daskare asusun ku ko hana ku daga motsa kuɗin ku. Ku ne bankin ku.2. Izini ba tare da izini ba da kuma Samun Duniya:
Duk wanda ke da haɗin intanet da walat ɗin crypto na iya
access DeFi aikace-aikace. Babu fom ɗin rajista, babu binciken KYC, kuma babu iyakokin ƙasa. Wannan yana buɗe sabis na kuɗi ga mutane marasa asusun banki da waɗanda ba su da isasshen asusun a duniya, wani ra'ayi mai juyin juya hali.
3. Gaskiya:
Kowane mu'amala a kan wani tsarin DeFi ana rubuta shi a kan wani blockchain na jama'a don kowa ya duba. Lambar kwangilar wayoyin (yawanci)
budewa. Wannan yana nufin za ka iya ganin daidai yadda tsarin ke aiki, inda kudin ke tafiya, da kuma ko tsarin yana da lafiya. Wannan matakin bayyana gaskiya ba a taɓa ganin irinsa a cikin CeFi na gargajiya ko banki.
4. Sabbin Hanyoyi da “Lego Kudi”:
DeFi na da cunkoson sabbin hanyoyi saboda haɗakarwarsa—wanda aka fi sani da “Lego Kudi.” Tsarin DeFi daban-daban na iya
za a haɗa kai da gina juna ba tare da tangarda ba. Wannan yana ba da damar ƙirƙirar kayayyakin kuɗi masu rikitarwa da sabbin abubuwa kamar noma riba, lamuni na gaggawa, da kuma stablecoins na algorithmic waɗanda ba za a iya yi a cikin tsarin tsakiya ba.
5. Yiwuwa Mafi Girman Riba:
Ta hanyar shiga cikin wuraren ruwa na kuɗi ko hanyoyin bayar da lamuni, masu amfani na iya samun riba mai yawa sosai
returns akan kadar sha'awa da aka bayar ta asusun ajiya na CeFi. Wannan saboda kuna aiki a matsayin banki kai tsaye, kuna ɗaukar haɗarin don samun lada mai yawa.
Bangaren Akasin: Kwatancen da Kalubale
Babu tsarin da ya cika. Don yin zaɓi mai kyau, dole ne ku fahimci rashin fa'idodin.
Rashin Fa'idodin CeFi:
- Hadarin Abokin Ciniki: Kana ka dogara ga musayar don kasancewa gaskiya da tsaro. Tarihi ya cika da misalai na musayar da suka gaza, an sace su (Mt. Gox), ko kuma suna aikata mummunan aiki (FTX). Kudin ka suna da tsaro ne kawai kamar dandamalin da ke riƙe da su.
- Rashin Bayyanawa: Ba koyaushe kake sanin yadda wani musamman yana gudanar da ajiyarsa ko gudanar da kasuwancinsa.
- Ikon: Musamman yana da iko akan kadarorin ku. Zai iya, bisa ga matsin lamba na doka ko bisa ga dokokinsa, iyakance fitar da kudi, daskare asusu, ko cire kadarori daga jerin.
Matsalolin DeFi:
- Alhakin Mai Amfani: Mai nauyin tsaro yana kan ku kadai. Idan kun rasa maɓallin ku na sirri ko jumlar iri, kuɗin ku za su tafi har abada. Idan kun ba da izini ga wani kwangilar fasaha mai cutarwa ba da gangan ba, za a iya cire dukiyoyinku. Babu wani tallafi na abokin ciniki da za ku kira.
- Tsarin Fasaha: Koyon wannan yana da wahala. Fahimtar walat, kuɗin gas, hanyoyin blockchain, da fasahar yarje da sabbin shiga.
- Hadarin Kwantiragi Mai Hikima: Code na iya samun kurakurai. An rasa miliyoyin daloli saboda hare-hare da zamba na shahararrun tsarin DeFi da ba a duba su yadda ya kamata ba.
- Canji da Asarar Wucin Gadi: Ba da ruwa na iya zama mai riba sosai, amma kuma yana fuskantar ku ga hadarurruka na musamman kamar asarar wucin gadi, wanda zai iya
fi mai? A'a, ba lallai ba ne. Exbix na kawo hanyoyi guda biyu tare don inganta makomar ku ta kudi.
maximalist?
Hanyar da ta fi dacewa kuma mai karfi ita ce ta yi amfani da duka, ta amfani da karfin kowanne yayin da ake rage raunin su. Wannan shine inda dandamali na zamani, wanda ke mai da hankali kan masu amfani kamar Exbix ke haskakawa. Yana aiki a matsayin hanyar tsaro da sauƙi daga kuɗin gargajiya zuwa duniya ta crypto, yayin da kuma yake ba ka kayan aiki da damar bincika duniya ta DeFi lokacin da ka shirya.
1. Hanyar Tsaro ta CeFi:
Exbix yana bayar da ingantaccen, mai tsaro, da kuma mai sauƙin amfani na dandamali don duk bukatun kasuwancin ku na tsakiya. Ko kuna neman yin kasuwanci da shahararrun haɗin kai kamar ETC/USDT, ko kuma ku faɗaɗa cikin kadarar ajiyar ƙima kamar PAXG/USDT, ko kuma kawai ku sayi Bitcoin na farko, tsarin yana da sauƙi kuma mai tsaro. Dandalin yana ba da tallafin abokin ciniki da kwanciyar hankali da kowanne sabon mai amfani ke buƙata.2. Kofa zuwa Bincike:
Da zarar ka sami crypto naka a Exbix, kana cikin kyakkyawar matsayi don bincike. Za ka iya janye kadarorinka cikin tsaro zuwa asusun Web3 naka na kanka don yin hulɗa da ka'idojin DeFi, tare da sanin ka shiga tsarin ta hanyar wata hanyar da aka amince da ita. Exbix yana ba ka damar ɗaukar mataki na gaba a kan tafiyarka ta kuɗi da tabbaci.3. Mafi Kyawun Duniya Biyu:
Ta hanyar farawa tare da wani musayar da aka san shi, kana sarrafa mafi rikitarwa canjin fiat-zuwa-crypto cikin sauƙi. Hakanan kana da 'yancin yanke shawara kan yadda kake son samun iko. Kai za ka iya adana wani ɓangare na fayil ɗin ku a kan Exbix don sauƙin ciniki da tsaro, yayin da kuke riƙe wani ɓangare don bincika sabbin damar samun riba a cikin DeFi.Shirye ku fara tafiyarku? Kirkiri asusun ku na Exbix yau ku kuma ji dadin tsaro gateway zuwa dukan duniya na crypto.
Kammalawa: Makomar Hadin Gwiwa, Ba Takarar Wanda Ya Ci Gaba Ba
Muƙaddamar tsakanin DeFi da CeFi ba ta shafi neman wanda zai ci nasara ba. Abin da ya shafi fahimtar kayan aiki guda biyu daban-daban don dalilai daban-daban ne.
- Don sauƙin amfani, tsaro ga masu farawa, haɗin kai da fiat, da abokin ciniki support: CeFi yana da muhimmanci.
- Don mallakar kai, samun izini ba tare da shinge ba, bayyananniyar hanya, da sabbin kayayyakin kudi: DeFi yana da juyin juya hali.
Mafi kyawun makomar kudi ba ta kasance mai mulki kawai daga daya ko dayan ba. Hanya ce ta haɗin gwiwa, inda dandamali kamar Exbix ke bayar da amintaccen, mai bin doka, da na da mai amfani ga masu amfani, yayin da DeFi ke ba da ingantaccen, mai shiryawa, da sabbin hanyoyin haɗin gwiwa ga waɗanda ke neman ƙarin iko.
Hanyar ku ta na ku ce. Fara da tsaro da sauƙin amfani na dandamali mai tsakiya don samun fahimta. Koyar da kanku. Sa'an nan, lokacin da kuka ji daɗin hakan, ku shiga cikin babbar teku ta DeFi, koyaushe kuna aiwatar da tsaro mai kyau. Makomar na kudi yana gina kan duka bangarorin, kuma ta hanyar fahimtar duka, kana sanya kanka cikin yanayi mai kyau don gudanar da shi da hikima da nasara.
Yi bincike a kasuwannin ka ga kanka. Duba haɗin ciniki na TRX/USDT, PAXG/USDT, da ETH/USDT akan dandalin Exbix. Makomar kuɗin ku jira.


