Top 5 DeFi Izinguquko Eguqula Umnotho Ngonyaka ka-2025
Umhlaba wezezimali uhamba phambili ngokuguqulwa okungathandeki—okungaveli ezinkampanini zeWall Street noma emihlanganweni yezenqubomgomo yeziMali, kodwa kuvela kumakhodi angaphansi kokuphathwa okwenziwa kumabhulokhi avulekile. Ngonyaka ka-2025, Izimali Ezizimele (DeFi) sezingasekho njengomsebenzi ophakathi; sekuwuhlelo lwezezimali lomhlaba wonke oluphikisa ubhange bendabuko, luhumushe ubunikazi, nokunikeza abantu amandla angakaze abekhona phezu kwezimpahla zabo.
Enhliziyweni yale shintsho kukhona izinguquko eziyisishiyagalombili eziphawulekayo ze-DeFi ezingashintsha indlela esicabanga ngayo ngemali kodwa futhi zakhe amathuba amasha kubatshalizimali, abathuthukisi, nabasebenzisi bezinsuku zonke. Kusukela kumakontileka akhiwa ngokwawo kuya ekwenzeni kahle kwemali okuqhutshwa yi-AI, i-ecosystem ye-DeFi iyakwazi ishintsha ngesivinini esikhulu.
Futhi uma ufuna ukuba nengxenye kulolu shintsho lwezezimali, Exbix Exchange iyindlela yakho yokungena esikhathini esizayo sezigidi zedijithali. Kungakhathaliseki ukuthi uthengisela ama-tokens akhula njenge OP, SHIB, noma PEPE, noma uhlole ama-protocols amasha e-DeFi akhiwe ngezinsiza njengoba BCH, i-Exbix inikeza ipulatifomu engaphazamiseki, ephephile, futhi elula yokusebenzisa ukuze ungene emkhakheni omusha wezomnotho.
Ake sithole Top 5 DeFi Innovations Ezishintsha Umfanekiso WezeMali ngo-2025.
1. Ama-Protocol Wokuhlinzeka Ngemali Azenzakalelayo: Ukukhula kwe Self-Optimizing DeFi Pools
Enye yezinto eziguqulayo kakhulu ku-DeFi eminyakeni edlule kube ukuhamba phambili kokuhlinzekwa kokutholakala. Ezinsukwini zokuqala ze-DeFi, amapuleti okutholakala ayefuna ukusethwa ngesandla, ukuqapha okuqhubekayo, futhi ayebhekene nokulahleka okungapheli. Phakathi kokuhamba phambili ku-2025, manje sesinokuthi Autonomous Liquidity Protocols (ALPs)—izinhlelo ezihlakaniphile ezilungisa ngokuzenzakalelayo izinqumo zokuphakelwa kwemali ngokusekelwe ezimweni zemboni, ukuziphatha komsebenzisi, kanye nezibalo ezibikezelayo.
Izivumelwano Zokuphakelwa Kwemali Zisebenza Kanjani?
ALPs zisebenzisa amamodeli okufunda ngomshini nedatha ye-blockchain yesikhathi sangempela ukuze kuthuthukiswe ukusatshalaliswa kwemali phakathi kwezixhumanisi eziningi nezinsiza ze-token. Lezi zivumelwano ungakwazi:
- Ukubuyisela kabusha izikhala ngokuzenzakalelayo ukuze kuncishiswe ukulahleka okungapheli
- Ukushintsha umthamo wezimpahla ezidingekayo kakhulu ngesikhathi sokungazinzi kwemakethe
- Ukuhlela amathuba e-arbitrage nokwenza ukuhweba ngokuzenzakalelayo
- Ukunikela ngezinhlelo zamakhasimende ezishintshashintshayo ngokuya ngokujula komthamo kanye nenani lokuhweba
Izinkundla ezifana ne Balancer V3, UniswapX, kanye Curve v5 sebenzisa amajini anesizotha okwenza kube lula kubanikezeli bamanzi (LPs) ukuhweba ngenzuzo ephezulu ngezingozi eziphansi. Ezinye izinqubo zikhona ezihlinzeka ngama- “liquidity insurance” asekelwe kumadivayisi akwi-chain, avikela ama-LPs ezinguqukweni zentengo ezisheshayo.
Kungani Lokhu Kubalulekile ngo-2025
Ngokuhlanganyela kwezakhiwo ezihlukene manje sekuqinisekisiwe, ama-ALP angasebenza ku-Ethereum, Arbitrum, Base, futhi ngisho nase-Bitcoin Layer 2s. Lokhu kusho ukuthi imali ayisasekelwa kuphela—ihamba lapho idingeka khona kakhulu, ithuthukisa ukusebenza kahle kwemali kuyo yonke i-DeFi ecosystem.
Kwabatshali bezimali nabathengisi, lokhu kuhunyushwa kube ne-spread ezinzile, amabhuku oku-oda ajulile, kanye namanani athembekile. ukutholwa. Lokhu futhi kwehlisa umngcele wokungena kubasebenzisi bezitolo ababephikisana nokuhlinzeka ngamanzi ngenxa yokuxaka nokuphika.
Ufuna ukuhlola ama-tokens e-DeFi aphumayo aphakamisayo lawa ma-protocols azimele? Qala ngokuhweba OP (Optimism) ku-Exbix Exchange. Njengoba isixhulu esiphakeme se-Layer 2 esheshayo ekwenzeni i-DeFi, i-OP ikwi maphakathi yale miphakathi yezezimali entsha. Ungaqala uhambo lwakho lapha .
Ngaphezu kwalokho, i-Exbix ixhasa ukuhlela izikhombisi zexesha langempela, ukwenziwa okuphansi kwesikhathi, kanye ne-liquiditi ejulile yeziqhamo eziphezulu ze-DeFi—okwenza iyona ipulatifomu ephelele yokuxhumana nezinsiza zezezimali zesizukulwane esilandelayo.
2. Ubunikazi Obungafaneleki (DID) & Ukuhlola Isikweletu: Ukuthembeka Ngaphandle Kwezithunywa
Omunye wemikhawulo emikhulu yeDeFi yokuqala kwakungumqondo wayo "ongavunyelwe kodwa ophuthumayo". Ngenkathi noma ubani engangena ezinhlelweni zeDeFi ngaphandle kwe-KYC, baphinde... baphakade baphathwa ngokulinganayo—ngaphandle kokubheka umlando wesikweletu, ikhono lokukhokha, noma isithunzi sezezimali. Ngo-2025, lokho kuzoshintsha ngenxa ye Ubunikazi Obungabandakanyi (DID) kanye ne izinhlelo zokuhlola isikweletu eziku-chain.
Iyini Ubunikazi Obungabandakanyi?
DID ivumela abasebenzisi ukuba bakhe ubunikazi obuzimele phezu kwe- i-blockchain—izithombe zedijithali eziphethwe ngumuntu, hhayi ezilawulwa yizinkampani noma uhulumeni. Lezi zikhombisi zingaqinisekiswa ngobufakazi bokungazi (ZKPs), kuqinisekisa ubumfihlo ngenkathi kufakazelwa ubuqiniso.
Isibonelo, ungafakazela ukuthi ungaphezu kweminyaka engu-18, ungum resident wendawo ethile, noma unhistoriy yezezimali ehlanzekile—ngaphandle kokukhombisa usuku lwakho lokuzalwa oluqondile. ukuphuma, ikheli, noma imibhalo yasebhange.
Ukubala Isikhwama Sokuboleka Ngaphezulu: I-Score Entsha ye-FICO
Amaphrojekthi afana ne ETHA Lend, Maple Finance, kanye ne Clearpool ethule imodeli zokubala isikhwama sokuboleka ngaphezulu ezihlola umlando wezokuhweba womsebenzisi, ukuziphatha kokukhokha, kanye ne-wallet umsebenzi wokwakha isikhwama sokwethembeka. Lokhu kuvumela:
- Ukubolekwa kwemali ngaphandle kokubekwa kwababolekayo abathembekile
- Izinga eliphansi lemali yokubolekwa kwabasebenzisi abanemithwalo eqinile
- Ukuhlola okwenziwa ngezinga leziqinisekiso ngaphandle kwabaphakathi abaphakathi
Lezi zilinganiso zingasetshenziswa ezinkundleni ezahlukene. Uma wakha idumela phezu kwe-app ye-DeFi, ilandela yonke indawo—akudingeki ukuthi uqinisekise noma uphinde ufake isicelo.
Umthelela Osebenzayo
Emakethe akhula, i-DID kanye nokuhlola isikhwama sezezimali kuvula ukufinyelela kwezimali kumamilioni. Abalimi eKenya, abaqashi e-Indonesia, kanye nezinkampani ezincane eBrazil manje sebekwazi ukufinyelela ezikweletini, umshwalense, kanye nezimali zokutshala. tools—ngokwenza nje ukufakazela ubunikazi babo bedijithali kanye nokuziphatha kwabo kwezezimali.
Uthakazelela kanjani ukuthi i-DeFi ikhulisa kanjani abantu bangempela? Hlola umphakathi ophilayo ophathelene no SHIB (Shiba Inu), ithokheni eqale njengememe kodwa esikhule yaba uhlelo oluphelele ngezici zayo. imisele izinhlelo ze-DID kanye nokuphathwa okungaxhunyiwe. Thengisa ama-pair e-SHIB/USDT kalula ku-Exbix lapha .
Exbix iqhubeka nokweseka ama-token awenza izakhiwo zohlelo lwezezimali olungcono, nolwamukelekayo.
3. Abasizi BeYield Asebenzisa I-AI: Ukuhlakanipha, Ukushesha, Ukusebenza Kakhulu
Ukufuya yield bekuyinto yokuhlola nokuphutha—ukuhambisa izimali phakathi kwezinhlelo, ukulandela ama-APY, futhi kuvame ukuhamba phambili nezikhala ngenxa yezindleko ze-gas noma ubungozi bezinkontileka ezihlakaniphile. Ngonyaka ka-2025, abasizi be-yield asebenzisa i-AI abahlukanisi beze baphendule ukuvuna izitshalo zibe yisayensi enembile.
Ukwakhiwa Kwabahlukanisi Bezimali
Ukusuka ezinkundleni zokuqala ezifana ne-Yearn Finance kuya ezixazululweni zesizukulwane esilandelayo ezifana ne- YieldGuard AI, AutoFarm Network, kanye ne- StratX Labs, abahlukanisi bezimali manje basebenzisa ubuhlakani bokwenziwa ukuze:
- Skana izinkulungwane ze-Protocol ze-DeFi ngesikhathi sangempela
- Qagela ukuhlala kwe-yield nezinga leziqinisekiso
- Phinda uhambise ama-portfolio phakathi kwezixhumanisi ngokuzenzakalelayo
- Vikela ngokumelene nokuguquguquka usebenzisa ama-derivatives akwi-chain
Lezi zinsiza ze-AI azigijimi nje kuphela i-APY ephezulu—zithuthukisa ukubuyiselwa okwenziwe ngokwezinga le-risk, ukuqinisekisa isikhathi eside ukwaziyo phezu kwemikhawulo yesikhashana.
Icala Lokufunda: Ukukhula Kwamajini Okukhipha Imali Ngaphezu Kwezinhlaka
Ngonyaka ka-2025, imivuzo emihle ayitholakali kuphela kwi-chain eyodwa—itholakala ku-Ethereum, Solana, Arbitrum, nakuma-DeFi amasha e-Bitcoin. Abahlanganisi be-AI basebenzisa ukuhambisa okususelwa emigomweni ukufaka imali lapho ikhiqiza khona. okukhulu, kubhekwa:
- Izindleko zeGesi
- Ukuphazamiseka
- Ukukhishwa kweToken
- Ukuhlolwa kokuphepha kweProtocol
- Izinga lokungaphumeleli emlandweni
Amathafa athile aphinde anikela “beka-nakho-ukhohliwe” ama-vaults athuthukisa ngokuzenzakalelayo izinzuzo, akhokhe izintela, futhi abike izinzuzo ukuze kuhlangatshezwane nemithetho—okwenza i-DeFi ifinyeleleke nakubantu abaqala. non-technical users.
Indima Yama-Data Oracles kanye Nezibalo Zokubikezela
Abahlanganisi abathuthukile baxhuma ne ama-oracle angakhelwanga afana ne-Chainlink ne-Pyth ukuze bathole idatha yezenzakalo zangempela, okuvumela isu elisekelwe kumathrendi omnotho, amazinga okukhuphuka kwentengo, noma ngisho nezimo zezulu (zemikhiqizo ye-DeFi ehambisana nezimpahla).
Ba phinde sebenzisa ukubikezela imodeli ukubona izinguquko zemakethe—njengokwenziwa kwezimali kweFed noma ukuvulwa okukhulu kwe-token—futhi ulungise izikhundla ngaphambi kokuba kwenzeke.
Ufuna ukuqala ngezimali ze-DeFi ezinomthelela omkhulu? Cabanga nge PEPE, i-token eqhutshwa umphakathi lokhu sekubhekeleke njengomphakathi futhi kube yindawo yokuhlola izivivinyo ezintsha ze-DeFi. Thengisa i-PEPE/USDT ngezindleko eziphansi kanye nokuhlinzeka okuphezulu ku-Exbix lapha .
Njengoba i-DeFi ikhula ibe nekhono, amapulatifomu afana ne-Exbix aqinisekisa ukuthi ungafinyelela kumathokheni athandwayo ngaphambi kokuthi aphume mainstream.
4. Ukuhlanganiswa KwezeMali Zangempela (RWA) Ngezimpawu: Ukuxhumanisa i-DeFi NezeMali Zendabuko
Mhlawumbe i-DeFi entsha ebaluleke kakhulu ka-2025 yi- ukuhlanganiswa kwezeMali zangempela (RWAs). Okokuqala, izimpahla zomzimba ezifana nezindlu, amabhondi, izinto ezithengiswayo, futhi ngisho impahla yengqondo iboniswa njengezimpawu zedijithali ku-blockchain—ivula amathriliyoni emali engakaze ibonakale.
Yini Impahla Yangempela ku-DeFi?
Ukuthokoziswa kwe-RWA kuhilela ukudala izimpawu ezisekelwe ku-blockchain ezimele ubunikazi noma amalungelo okuphuma kwemali ezimpahleni zangempela. Izibonelo zifaka:
- Izindlu ezihlanganisiwe: Ukuhweba kwezakhiwo, izakhiwo zamahhovisi, noma umhlaba
- Amabhondi ahlanganisiwe: Izikweletu zik government noma ezamabhizinisi ezikhishwe ku-chain
- Amathokheni ezimpahla: Igolide, uwoyela, noma imikhiqizo yezolimo esekelwa ngempahla yangempela
- Amathokheni e-IP: Izimali ezivela emculweni, kumalungelo obunikazi, noma kumafilimu athengiswa njenge-NFTs noma amalungelo okushintshana
Amathuluzi afana ne Ondo Finance, Maple Finance, Centrifuge, kanye ne Clearpool akha le mikhankaso, ebambisana nezikhungo zezimali ezijwayelekile ukuze kulethwe izimpahla ezilawulwayo kwi-chain.
Kungani i-RWA Iyashintsha Umgibelo
- Ukuthuthukiswa Kwezimali: Awudingi izigidi ukuze utshale imali ezindaweni zokuhlala ezithengiswayo noma kumalungelo ezikweletu. Manje, u-$100 angathenga ingxenye yebhondi enenzuzo ephezulu.
- Imakethe Ezisebenza Ngemva Kwezinsuku Eziyi-24/7: Ngokungafani nemakethe ezijwayelekile, ama-token e-RWA athengiswa 24/7 ezitolo ezizimele.
- Ukucaciswa & Ukusebenza Kahle: Zonke izivumelwano zirekhodwa ku-chain, ukunciphisa ubugebengu nezikhathi zokuhlawula zisuka ezinsukwini zibe sezinxenyeni zemizuzwana.
- Ukufinyelela Kwamazwe Ngamazwe: Abatshalizimali abavela kunoma iyiphi izwe bangabamba iqhaza, bedlula izithiyo zendawo.
Izinselelo Nezixazululo
Nakuba kunezithembiso, i-RWA ibhekene nezinselelo ezifana nokuhambisana nemithetho, ukugcina, nokwethembeka kwezintengo. Ngo-2025, lezi zinkinga zizobhekwa ngale ndlela:
- Izindawo eziphephile zokulawula (isb., iSwitzerland, iSingapore) ezikhishayo amalayisense e-RWA
- Izikhangisi ezihlanganisiwe ezihlanganisa idatha ye-on-chain nezivivinyo ze-off-chain
- Amakontraka ezomthetho aqondile athuthukisa imithetho ethile ye-jurisdiction ku-on-chain
Umphumela? Uhlelo lwezezimali olusha oluhlanganisa i-DeFi no TradFi ihambisana—futhi iphumelela.
Ufuna ukuhweba ngezinto ezintsha ezihlukahlukene? I-Exbix iyanda imikhiqizo yayo ukuze ifake ama-tokens axhaswe ngenani langempela. Hamba phambili ngokuhlola uhla oluphelele lwezimpahla zedijithali ezitholakalayo ku-ikhasi lesimakethe .
Njengoba ukwamukelwa kwe-RWA kukhula, i-Exbix ihlose ukuba phambili, inikeza ukufinyelela okuphephile, okuhambisana nezimfuneko kumakethe yezezimali ezizayo.
5. I-Bitcoin DeFi (BitFi): Ukuvula Umhlaba’s Okwenziwa Kakhulu
Ukuvikeleka kweBlockchain
Kweminyaka, iBitcoin ibonwa njenge “igolide ledijithali”—indawo yokugcina inani, kodwa hhayi ipulatifomu yokwakha izimali ezintsha. I-Ethereum nezinye i-smart contract blockchains zathatha umkhakha we-DeFi. Kodwa ngo-2025, iBitcoin DeFi (noma iBitFi) finally ifikile—futhi ishintsha konke.
UBitcoin usekela kanjani DeFi?
Ngokusebenzisa izixazululo zeLayer 2 ezifana ne Stacks (STX), Rootstock (RSK), kanye ne Bitlayer, iBitcoin manje isekela ama-smart contracts, izimakethe ezizimele, kanye nezinhlelo zokuboleka—ngenkathi igcina ukuphepha kwayo okungafaniyo nokuhlukahluka.
Ngaphezu kwalokho, ama-ordinals kanye nama-BRC-20 tokens avulekile amathuba amasha okwakha impahla ku-Bitcoin. Nakuba ekuqaleni kwasetshenziswa kuma-NFT, manje asebenza ezinhlelweni ze-DeFi ezifana ne:
- BRC-20 amabhange okuphakelayo
- Ukubeka imali okusekelwe ku-Ordinal
- Amastablecoins akhiwe ku-Bitcoin
Amaphrojekthi afana no Sovryn, Alex Lab, kanye Mint Garden yakha izixazululo eziphelele ze-DeFi ku-Bitcoin, ezinikeza:
- Ukubolekwa nokubolekisa okungelona elokugcina
- Izimakethe ezizimele (DEXs) ezine-Bitcoin yokuhlawula
- Ukufuya inzuzo usebenzisa i-BTC njengemali yokuboleka
Kungani i-Bitcoin DeFi ibalulekile
- Ubumfihlo: I-hash rate ye-Bitcoin ingaphezu kuka-100x eqinile kune-Ethereum, okwenza kube yisisekelo esiphephile kakhulu se-apps zezezimali.
- Ukumelana Nokucindezelwa: Isimo se-Bitcoin esingaphansi kokuphathwa kwenhlangano eyodwa siqinisekisa ukuthi akukho msebenzi owodwa ongavala ama-apps e-DeFi.
- Ukuzethemba Kwezikhungo: Izikhungo eziningi zithemba i-Bitcoin kakhulu kune-altcoins, ukwenza i-BitFi ibe yindawo yokungena yemvelo.
Ngonyaka ka-2025, sibona ukuvuka kwe “Layer 1 + Layer 2” DeFi, lapho i-Bitcoin isebenza njengezinga lokuhlala, kanti ama-Layer 2 abhekana nokubala—ehlinzeka ngcono kokubili.
Ufuna ukuthola ukuvezwa ku Uhlelo lwe-Bitcoin olukhulayo? Cabanga BCH (Bitcoin Cash), i-fork ye-Bitcoin ethathile izivumelwano ezihlakaniphile kanye nezinguquko ze-DeFi. Thengisa ama-pair e-BCH/USDT kalula ku-Exbix lapha .
Nakuba ingeyona i-Bitcoin uqobo, i-BCH imele umoya wokusebenzisa on-chain kanye nezezimali phakathi kwabantu okwakucabanga uSatoshi—futhi uthola ukuthandwa emhlabeni we-DeFi.
Ikusasa Liyazimele—Futhi Liyatholakala Ngaphandle Kwe-Exbix
Njengoba sesibonile, umhlaba we-DeFi ngo-2025 unguye ophilayo, ofaka wonke umuntu, futhi onamandla kuningi. Lezi zinguquko ezinhlanu—ukuphathwa kwemali okuzenzakalelayo, ubunikazi obungaxhunyiwe, ukufuya kwemali nge-AI, ukuguqulwa kwe-RWA, kanye ne-Bitcoin DeFi—azikhona nje kuphela izithuthukisi zobuchwepheshe. Zimele ushintsho oluyisisekelo endleleni esicabanga ngayo ngemali, ubunikazi, nokwethembeka.
Kodwa ukuhamba phambili kusho nothing uma uma if it’s not accessible.
Lokhu kuza lapho Exbix Exchange ingena khona.
Kungani i-Exbix ibonakala kakhulu ngesikhathi se-DeFi
- Ukuklama Okugxile Kumsebenzisi: Noma ngabe ungumfundi noma unguchwepheshe, i-Exbix inikeza interface elula ethokozisayo yokuhweba nokutshalwa kwezimali.
- Ukuphuma Okukhulu: Ngezikhalazo ezinamandla zama-DeFi ezinkulu ezifana ne OP/USDT, SHIB/USDT, kanye ne PEPE/USDT, uthola ukuhamba okusheshayo nokunciphisa okuncane.
- Ukuphepha Kuqala: I-Exbix isebenzisa izinqubo zokuphepha ezihlanganisiwe, kufaka phakathi ukugcina okuphakathi, ukuqinisekiswa kwezinyathelo ezimbili, kanye nezibuyekezo ezijwayelekile.
- Izinsiza Zokufunda: Sikholelwa ukuthi abasebenzisi abanolwazi benza izinqumo ezingcono. Yingakho sinikeza iziqondiso, ukuhlaziywa kwemakethe, kanye nemibono yesikhathi sangempela.
- Ukugxila Emphakathini: I-Exbix ilalela abasebenzisi bayo. Sifaka njalo ama-tokens amasha ngokuya ngezidingo zomphakathi—ikakhulukazi lawo akha ikusasa le-DeFi.
Uselwe ukungena kwiDeFi revolution? Qala uhambo lwakho namuhla ku Exbix.com —umnyango wakho othembekile emhlabeni wezezimali ozimele.
Kungakhathaliseki ukuthi uhweba ngamaDeFi tokens akamuva noma uhlole amabhulokhi amasha izinhlelo zokusebenza, i-Exbix ikunikeza amathuluzi, ijubane, nokuthembeka okudingayo ukuze uphumelele.
Imicabango Yokugcina: I-DeFi Isaqala
Izinto ezintsha esizibonayo ngo-2025 ziqala nje. Njengoba ubuchwepheshe be-blockchain buhamba phambili, sizobona i-DeFi ihlanganiswa ne-AI, i-IoT, futhi ngisho nezinkanyezi. izinkampani. Amabhange amakhulu angakhupha imali ye-digital, kodwa i-DeFi izohlala iyinketho yabantu—ivulekile, icacile, futhi ayinakumiswa.
Ukhiye wokuphumelela kulolu suku olusha uwukuthi ukufinyelela, imfundo, kanye nesenzo. Ungalindi imvume. Ungalindi ukuvunywa. Amathuluzi akhona. Amathuba ayiqiniso.
Futhi ipulatifomu yokuthola started? Exbix Exchange.
Ngakho thatha isinyathelo sokuqala. Hlola izimakethe. Thenga ngokuzethemba. Yakha ikusasa lakho lezimali—ngemigomo yakho.
Ngoba ngo-2025, imali engaphansi kwezimali ayisiyona ikusasa. Iwukuphila kwanamuhla.
