Iyini i-DeFi? Umhlahlandlela Wokuqala Wokuxhumana Ngezezimali Ezingaphansi Kwezikhungo ngo-2024

Cabanga uhlelo lwezezimali olungapheli. Imakethe yomhlaba wonke, evulekile, lapho ungaboleka, uboleke, uthengise, futhi utshale imali ngaphandle kokudinga imvume yasebhange, ukugcwalisa amaphepha, noma ukukhathazeka ngenkampani ephakathi evimba impahla yakho. Lokhu akuyona iphupho lesikhathi esizayo; kwenzeka manje, futhi kubizwa ngokuthi Izimali Ezingaphansi Kwezokuphatha, noma i-DeFi.

Kubantu abanentshisekelo ngentuthuko elandelayo yemali kanye ne-inthanethi, ukuqonda i-DeFi kubalulekile. Le mhlahlandlela izokwenza kube lula ukuqonda i-DeFi, ihlukanisa imibono yayo eyinkimbinkimbi ibe yizinto ezilula nezilula. Sizohlola ukuthi iyini, isebenza kanjani, kungani ibalulekile, nokuthi ungangena kanjani kancane kancane kule ndawo entsha. Nokho, uma ufisa ukuqonda i- ukukhathazeka noma ucabanga ngokuqhuba ukuthengiselana kwakho kokuqala kwe-DeFi ephephile njenge Exbix markets, usendaweni efanele.

Iyini Ngempela i-DeFi? Ngaphezu Kwegama Elidumile

Ngokuyinhloko, i-DeFi yigama elihlanganisa imikhiqizo nezinsizakalo zezimali ezitholakala ku noma ngoxhaso lwe-inthanethi. Ngokwehlukile kwezezimali zendabuko (TradFi)—ezakhiwe phezu kwezinsiza eziphakeme njengezikhwama, abathengisi, nezinsizakalo zokulawula—i-DeFi isebenza ng ubuchwepheshe obungaxhunyiwe okuyinhloko ama-blockchain.

Cabanga ngalokhu:
Izimali Zendabuko: Uphonsa imali yakho ku a ibhange. Ibhange lisebenza njengomphakathi othembekile. Liboleka imali yakho kwabanye, liyinvestela, futhi likhokhisa imali yokusebenza kwalo. Uthemba ukuthi bazophatha futhi babuyise izimpahla zakho.
DeFi: Uphatha ngqo nezivumelwano ezisebenza phakathi kwabantu ezixhunywe ngokuqhuba kwekhodi (izivumelwano ezihlakaniphile) ku-blockchain. Uthola ukuvikelwa kwemali yakho ngenkathi ubamba iqhaza emisebenzini yezezimali. Ikhodi iphumeza imithetho, kanti inethiwekhi yamakhompyutha iqinisekisa ukuphepha kwayo.

Inhloso enkulu ye-DeFi ukudala umnotho wezimali ongenamvume, ocacile, futhi ophumelelayo. Kuqondene nokwakha kabusha uhlelo kusukela phansi, obala, ukuze luhambisane nesikhathi sedijithali.

I-Bedrock ye-DeFi: Izakhi eziyisisekelo

Awukwazi ukuqonda DeFi ngaphandle kokwazi ukuthi yini eyenza isebenze. Nansi imikhiqizo eyisisekelo esebenzisa ubuchwepheshe bayo.

1. I-Blockchain: I-Ledger Engashintshi

I-blockchain iyilayisensi ye-digital eyabiwe, engashintshi, ebalela ukudluliswa phakathi kwenethiwekhi yamakhompyutha. Iyisisekelo. I-blockchain evame kakhulu ku-DeFi yi Ethereum, njengoba yabe... okwakhiwe ngokukhethekile ukuhlinzeka ngalezi zinhlelo eziyinkimbinkimbi. Nokho, abanye “abaklami be-Ethereum” abafana noSolana, Cardano, kanye ne-Avalanche bavele, behlinzeka ngezivinyo ezisheshayo nezindleko eziphansi. Isibonelo, uma uthengisa SOL/USDT, uxhumana ne- Ithuluzi lendawo yeSolana blockchain.

2. Izivumelwano EziyiSmart: Abaphakathi Abazenzekelayo

Le yinxenye eguqulayo. Isivumelwano esihlakaniphile yisigaba sekhodi esisebenza ku-blockchain. Siphumeza ngokuzenzakalelayo imigomo yesivumelwano lapho izimo ezithile ezibekwe phambili zifezekisiwe. Ziyizimbraini ezisemva kwezinhlelo ze-DeFi. (dApps).
Isibonelo: I-smart contract yokuboleka izokhipha imali yokuboleka kumsebenzisi uma efaka umshwalense owanele. Izophinde iphathe ukukhokha izintshisekelo ngokuzenzakalelayo futhi ithathe umshwalense uma inani lalo lehla ngaphansi kokuphakanyiswa okuthile. Akudingeki ukuhamba komuntu.

3. dApps (Izinhlelo Ezingaphansi Kwezinhlelo): Umsebenzisi

Interface

dApps yizinhlelo esizisebenzisayo ukufinyelela kumasevisi e-DeFi. Ziyizixhumi zangaphambili ezixhumanisa abasebenzisi nezivumelwano ezihlakaniphile ezingemuva. I-Uniswap (ukushintshaniswa okungakhelwanga) ne-Aave (isiphetho sokuboleka) yizidumo ezidumile ze-dApps.

4. Ama-Stablecoins: Imali Ezinzile Ngentengo

Amakhripto angashintsha kakhulu. Lokhu akuhambisani kahle ukuboleka noma ukuwina lapho ungafuni ukuthi inani lesikweletu sakho liphindwe kabili noma linciphe phakathi kobusuku. Izimali eziqinile zixazulula lokhu. Ziyizimali ze-cryptocurrency ezixhunywe endaweni eqinile, njenge dollo yaseMelika (isb., USDT, USDC, DAI). Zihlinzeka ngokuqina kwentengo okudingekayo ukuze kube nezezimali ezisebenzayo nsuku zonke ngaphakathi kwe-ecosystem ye-DeFi. Uzowasebenzisa ezinkampanini eziningi, kuhlanganisa ama-pair wokuhweba afana no BTC/USDT.

5. Ama-Wallets kanye Nezikhwama Zobumfihlo: Ubunikazi Bakho Bedijithali

Ku-DeFi, awunayo igama lomsebenzisi kanye nephasiwedi. Unayo i-crypto wallet (efana ne-MetaMask noma i-Phantom). Le wallet contains your ukhiye zomphakathi—ngokuyinhloko ama-password aphephile kakhulu aqinisekisa ubunikazi bezimpahla zakho zedijithali futhi avumele ukuba usayine izinkokhelo. Lokhu kuwukushintsha okukhulu: Uyi bhange lakho. Ubumfihlo bezimali zakho buwumthwalo wakho.

I-DeFi Toolkit: Yini Ongayenza Ngempela?

The amathuba e-DeFi ayakhula ngokushesha. Nansi eminye yemisebenzi edumile.

1. Izimakethe Ezizimele (DEXs)

Lezi zifana nezimakethe zezimali kodwa zezimali eziphilayo, ngaphandle komphakathi ophakathi. Esikhundleni senkampani ehambisana nabathengi nabathengisi, i-DEXs isebenzisa izivumelwano ezihlakaniphile nezixhumanisi zokuthengisa ukuze kube lula ukuhweba. Izibonelo ezidumile zifaka phakathi i-Uniswap no SushiSwap.
Ukwenza: Abasebenzisi banikeza imali ngokufaka ama-pair we-tokens (isb. ETH ne-USDT) emathinini. Njengomvuzo, bathola imali yokuhweba kuyo yonke imisebenzi ethokozisayo kule mathinini. Lokhu kubizwa ngokuthi Yield Farming (okuzokhuluma ngakho ngokulandelayo).

2. Ukuboleka Nokuboleka

Amathuluzi afana ne-Aave na I-Compound ikuvumela ukuthi uboleke izimpahla zakho ze-crypto ukuze uthole inzalo noma uboleke ngokumelene nezibambiso zakho ze-crypto.
Ukuboleka: Faka ama-stablecoins akho noma enye i-crypto kuphrothokholi bese uqala ukuthola inzalo, imvamisa ngezinga eliphezulu kunezinhlelo zokonga ezijwayelekile.
Ukuboleka: Udinga imali kodwa awufuni ukuthengisa i-crypto yakho? Ungayisebenzisa njengoba ubufakazi bokuthola imali mboleko ngama-stablecoins. Lokhu kuvame ukuba ngaphezu kokufaneleka (ufaka $150 ngenani le-ETH ukuze uboleke $100 USDT) ukuvikela iphrothokholi ezishintshashintsheni zentengo.

3. Ukuvuna Imali (Ukuhweba Ngamanzi)

Le yindlela ethuthukile lapho abasebenzisi begcina izimpahla zabo ze-crypto ukuze bathole imivuzo, ngokuvamile ngendlela ye amathokheni engeziwe. Kufana nok hunting ukuze uthole imbuyiselo ephezulu kakhulu ku-crypto yakho. Lokhu kungabandakanya ukuhlinzeka ngamanzi ku-DEXs noma ukugcinwa kwamathokheni ezinhlelweni zokuboleka. Nakuba kungase kube nezinzuzo, kuza nezingozi eziphezulu (bheka “Izingcuphe ze-DeFi” ngezansi).

4. Ukugcinwa

Uma unamanye ama-cryptocurrencies athile, ungakwazi “ukugcinwa” kwawo ukwazi ukusiza ukuvikela inethiwekhi yaleyo blockchain. Njengomvuzo, uthola imivuzo, efana nokuthola inzalo. Kuyindlela yokwenza ukuthi izimpahla zakho ezingasebenzi zisebenze. Isibonelo, ngemva kokuthenga itokheni ethokozisayo efana ne PENGU/USDT, ungase uthenge ngayo esikhathini esizayo uma i-

5. Iziphakamiso, Ukuqinisekisa, Nokunye

Umhlaba we-DeFi uyashintsha ngesivinini esikhulu. Manje ungathola izinguqulo ezizimele zemikhiqizo yezezimali yendabuko, kuhlanganise nezimpahla ezihlanganisiwe ezilandela amasheya, imakethe yokubikezela, kanye nezinhlelo zokuhlinzeka ngokuqinisekisa ezizimele ezivikela ekwehlulekeni kwezivumelwano ezihlakaniphile.

Kungani Lezi Zinto Zikhuluma Ngazo? Izinzuzo Eziyinhloko ze-DeFi

• Ukungabikho kwemvume: Noma ubani onoxhumano lwe-inthanethi kanye ne-wallet ye-crypto angafinyelela izinsizakalo ze-DeFi. Akukho abavikeli, akukho izicelo, futhi akukho mikhawulo yegeographic.
• Ukucaciswa: Iningi lekhodi likhululekile, futhi zonke ukuthengiselana zenzeka recorded on the public blockchain for anyone to audit. Lokhu kwakha izinga lokwethembana ngokuhlola okungakwenziwanga kwezemali zendabuko.
• Ukuzigcina: Uphatha okhiye bakho abakhethekile, okusho ukuthi unownership yangempela nokulawula phezu kwezimpahla zakho. Azikwazi ukuthathwa noma ukuvalwa yisikhungo esisodwa (nakuba ungawalahla uma ungawagcini kahle). qaphela!).
• Ukuhlola Nokuhambisana: Ubunjalo obuvulekile be-DeFi buveza indawo ye- “money Lego”. Abathuthukisi bangakha phezu kwezivumelwano ezikhona, benza imikhiqizo yezezimali emisha nezinzima ngokushesha okukhulu.
• Imiphumela Engase ibe Phezulu: Imivuzo enikezwa ekongeni nasekuhlakuleleni imivuzo ingaba kakhulu kakhulu kunezinhlelo ezijwayelekile, nakuba lokhu kuhlobene ngqo nenqubo yokuphila ephezulu.

I-Flipside Engapheli: Ukuqonda Izingozi ze-DeFi

i-DeFi ayinazo izingozi ezinkulu. Ihlale ingalawulwa futhi iyazama.

• Ingxenye Yezinkontileka Eziqondile: Ikhodi iyimthetho. Uma kukhona iphutha noma ubungozi kwi-smart contract, abaphangi bangakusebenzisa ukuze bakhiphe imali. Imigqa eminingi yemali ilahlekile ngalendlela.
• Ukulahleka Okungapheli: Ingozi enkulu kubahlinzeki bezimali ku-DEXs. Kwenzeka lapho intengo yezimpahla zakho ezibekwe ibhange ishintsha uma kuqhathaniswa nesikhathi sokubeka. Ungase uphumelele ngenani elincane uma uqhathanisa nalokho okwakungakubamba kuphela. izimpahla.
• Ubungozi Bokushintsha: Imakethe ye-crypto inobungozi obukhulu bokushintsha. Inani lempahla yakho lingashabalala ngokushesha, kuholele ekuthengisweni okuzenzakalelayo kwezimpahla zakho.
• Ukungaqiniseki Kwezomthetho: Ohulumeni emhlabeni jikelele basathola ukuthi bangabhekana kanjani ne-DeFi. Imigomo ezayo ingathinta indlela lezi zinhlelo ezisebenza ngayo.
• Imphumela Womsebenzisi: Ngegunya elikhulu kuza nesibopho esikhulu. Ukuthumela imali endaweni engalungile, ukulahlekelwa yizikhiye zakho ezizimele, noma ukuwa emaphusheni kungaholela ekulahlekelweni kwemali okungaguquki. Akukho umakhalekhukhwini woxhaso lwamakhasimende ongawubiza.

Indlela Yokuthi Uqale nge-DeFi (Ngokuphepha)

Ujabulile ukufaka izinyawo zakho? Landela lezi zinyathelo ngqondweni.

• Funda Ngempela: Usuphakathi kokwenza lokhu! Ungaze utshale imali entweni ongayiqondi.
• Qala Kancane: Utshale kuphela imali ozimisele ukuyilahla. Yibheke njengemali yokufunda.
• Khetha I-Exchange Ehloniphekile: Ngaphambi kokuba ukwazi ukusebenzisa i-DeFi, kudingeka uthole ezinye crypto. Sebenzisa i-exchange ephephile, elula yokusebenzisa (CEX) efana no Exbix ukwenza ukuthenga kwakho kokuqala ngempahla ye-fiat. Ama-CEX avamise ukuba lula ukuwasebenzisa kubantu abasanda kuqala.
• Thola i-Wallet: Misela i-wallet engabizi njengokuthi i-MetaMask (ye-Ethereum) noma i-Phantom (ye-Solana). Vikela i-seed phrase yakho (iphasi yokubuyisela) ngempilo yakho. Yibhale phansi ephepheni futhi uyigcine endaweni ephephile. Ungayidijithali nhlobo.
• Hlola Kancane: Qala ngezinyathelo ezilula ezifana nokushintsha inani elincane lamathokheni ku-DEX edumile noma ukufaka i-stablecoin kuhlelo lokuboleka oluhamba phambili njenge-Aave noma i-Compound.
• Yenza Ucwaningo Lwakho (DYOR): Ungakafaki imali kwi-projekthi ngokusekelwe ku-tweet. Yenza ucwaningo ngethimba, imibiko yokuhlola, kanye nemizwa yomphakathi ngaphambi kokutshalwa kwezimali.

Ikusasa LezeMali Liyakwenziwa

DeFi imele ushintsho olukhulu endleleni esicabanga ngayo futhi sixhumana ngayo nemali. Iphakamisa uhlelo lwezezimali oluvulekile, olufinyelelekayo, nolusebenza kahle emhlabeni. Ngenkathi kusemva kusemva kwezimali, ithuba lokushintsha ezomnotho zomhlaba alinakuphikwa.

Uhambo oluya ezinhlelweni ezihlanganisiwe lube yisinyathelo sokuhamba. Amathuluzi afana ne Exbix asebenza njengebhuloho elibalulekile, ehlinzeka ngendawo ephephile futhi elula platform yabantu ukuze bangene emnothweni we-crypto ngaphambi kokungena emanzini ajulile e-DeFi ehlanzekile. Noma ngabe uthengisa ama-pair amakhulu noma uhlole izimpahla ezintsha, ukuqala endaweni yokushintshisana ethembekile kuyisinyathelo sokuqala sokwazisa umhlaba omkhulu, ojabulisayo wezezimali ezizimele.

DeFi, Izimali EziZimele, Umhlahlandlela weKhripthocurrency, Ibhulokhi, Ukutshalwa Kwezimali KwezeMali