I-DeFi iyenza njani iiAvenues eziNtsha zeMpumelelo yamaShishini amaNcinci

Ixesha elide, amashishini amancinci kunye noosomashishini baye babanjwa yimiqobo engqongqo yecandelo leebhanki eziqhelekileyo, ezibeka iimfuno ezinzima kwabo bafuna inkunzi.

Nge-DeFi, amashishini amancinci anokuzuza kwindlela esebenzayo kunye nelungelelanisiweyo kwiintengiselwano zezemali, kunye neentlawulo ezingenamthungo, iinkqubo ezilula zokuboleka kunye nokuboleka kunye nokufikelela lula kakhulu kwimali ebaluleke kakhulu. Izinto ezintsha ezifunyenwe kwi-DeFi zonyusa ufikelelo ngelixa kususwa iinkqubo zokuvunywa ezinzima kunye nemirhumo ephezulu yentengiselwano, kwaye inokuba yinto ekhuthaza ukukhula kweshishini ngokukhawuleza.

Makhe sijonge ukuba ezinye zezona protocols zeDeFi zingalishukumisa njani ilizwe lamashishini amancinci.

I-Aave: Velisa isivuno kwi-cryptoholds yakho

Ave yenye yezona protocol zeDeFi ezaziwa kakhulu kuzo zonke, kwaye ngeendlela ezininzi inokucingelwa njengebhanki enikezelweyo, njengoko ibonelela ngothotho lweenkonzo ezinokuthi zisetyenziswe ngamashishini amancinci ukwenza lula imisebenzi yawo yezemali.

Imisebenzi yayo engundoqo ibandakanya ukuveliswa kwenzala, apho amashishini anokufaka imali ye-crypto ukuze afumane inzala. Ikwasebenza njengomthombo wenkxaso-mali, inika abasebenzisi ithuba lokuboleka uluhlu lweeasethi ze-crypto ngokuboleka imali. Iqonga liphawuleka ngokuguquguquka kwalo, kunye neempawu ezinjengokutshintshana kwesibambiso ukuqinisekisa ukuba amashishini angasebenzisa iintlobo ngeentlobo zee-asethi ze-crypto.

Kumashishini amancinci asele evuma iintlawulo ze-crypto, i-Aave ibonelela ngendlela yokuba bavule ixabiso lezo zibamba ngaphandle kokuba batshintshe zonke kwi-fiat. Amashishini anokufaka uluhlu lwee-asethi ze-crypto kwiindawo zokuboleka imali ze-Aave, kunye nenzala enokubakho ihlengahlengisa ngokuzenzekelayo ngokusekelwe kwimfuno. Ukuba abantu abaninzi bafuna ukuboleka uhlobo oluthile lwe-asethi, izinga liyanyuka ukukhuthaza ababolekisi abaninzi ukuba bafake imali, ukudala amathuba okuba amashishini avelise isivuno esikhulu kwii-asethi ze-crypto zangaphambili.

I-Centrifuge: Fumana ikhredithi ngokukhawuleza usebenzisa izinto eziphathekayo njengesibambiso

Ukufumana inkxaso-mali kunokuba ngumceli mngeni omkhulu kumashishini amancinci, njengoko kukho iindlela ezimbalwa kakhulu ezikhoyo kwiimali zemveli, ngaphandle kwabatyali-mali bobutyebi kunye neebhanki eziqhelekileyo. Centrifuge inika amashishini enye inketho - ukukwazi ukwenza ii-asethi zehlabathi lokwenene kwaye uzisebenzise njengesibambiso ukuze ufumane ikhredithi ngephanyazo ngamaxabiso akhuphisanayo.

Ukuboleka imali kwi-Centrifuge, amashishini anokusebenzisa isicelo esinxulumene ne-Tinlake, eyindawo yentengiso yee-RWAs ezinophawu. Inika amashishini ngendlela elungeleleneyo yokwenza i-asethi ye-tokenize, efana ne-invoyisi engekagqitywa, okanye i-real estate yeshishini, ngoko ke ezi zinokusetyenziswa njengezibambiso zokufumana inkxaso-mali.

Nge-Tinlake, abatyali-mali banakho ukurhweba ezi RWAs phezu kwendawo yokuthengisa ephantsi, kwaye amashishini anokuthatha inxaxheba njengabatyali-mali abancinci, befaka i-crypto kumachibi ayo okuhlawula amanye amashishini ukuze aboleke ngokuchasene.

Eyona nto intle malunga neCentrifuge kukuba inkqubo yayo yokwenza uphawu iyakhawuleza kwaye iyasebenza, oku kuthetha ukuba amashishini anokufumana inkunzi kwiqhezu lexesha eliza kulithatha ukukhusela imali-mboleko ebhankini. Imalunga nofikelelo olukhawulezayo kwiimali zolwelo, ezivumela oosomashishini ukuba bafumane imali eyinkunzi abayidingayo ukuze bazigcine kwii-inventri zabo okanye batyale imali kwiindawo eziphambili zeshishini labo kanye ngexesha elifanelekileyo.

I-Fuse.io: Khulisa ishishini lakho kwihlabathi liphela ngeentlawulo ezikhawulezayo ze-crypto

I Inethiwekhi yeFuse inokucingwa njengenethiwekhi yeziseko zophuhliso lweentlawulo zeshishini ukuya kwishishini elixhasa uphuhliso lwezicelo zebhloko ezinokubonelela ngeenkonzo ezilungelelanisiweyo nezingafihlisiyo kubasebenzisi.

Eli qonga lifikelela kwizantya ezikhawulezayo zentengiselwano ngenxa yobungqina boyilo lwezakhiwo, oluphucula ukunatyiswa kwamagunya kunye nokhuseleko. Iintengiselwano zentlawulo zikhutshiwe kwinethiwekhi ye-2 ukuqinisekisa ukuphunyezwa ngokukhawuleza. Imodeli yezoshishino ifana neendlela ezininzi kwi-Visa kunye ne-Mastercard, kuphela igxininise kwiintlawulo ze-Web3, eyenza ukuba amashishini enze izicelo ezintsha ezixhasa iintlawulo ze-crypto, okanye zongeze le nkxaso kwii-apps ezikhoyo.

Kukho izinto ezimbini eziphambili ze-Fuse ekufuneka amashishini azi malunga, ngokuqala nge-Fuse SDK, ebonelela ngezixhobo zokudibanisa iintlawulo ze-crypto kwii-apps ezikhoyo zabathengi. Ibonelela ngeyona ndlela ilula nekhawulezayo kumashishini okuphucula usetyenziso lwelifa, ukonga kwiindleko zophuhliso.

Okulandelayo yi-Fuse Charge, enokuthi icingelwe njengoluhlobo lwebhanki yomthengisi kumashishini e-Web3, enikezela ukufikelela kwiinkonzo ezahlukeneyo ze-crypto kunye ne-fiat-related-related payment. Ukusebenzisa i-Charge, amashishini anendlela yokuqhuba iintlawulo, ukudala ii-invoyisi kunye nokulawula ukuthengiselana kwemida.

Ivula indlela yokuba iinkampani zidibanise iintlawulo ze-crypto kunye ne-fiat yendabuko kunye nokulawula yonke into phantsi kwe-hood enye, ngaphandle kokukhathazeka malunga nofakelo olunzima kunye neendleko eziphezulu zophuhliso. Ngaphezu koko, liqonga elingenamda ngokwenene, elivumela iinkampani ukuba zisebenze kumazwe ahlukeneyo ngokuzimela okupheleleyo ngendlela ethobelayo.

Amashishini azuza ngokuqiniseka ngakumbi, kunye nomrhumo ocacileyo we-0.5% kuyo yonke intengiselwano, i-crypto okanye i-fiat, ngoko baqonda iindleko zokwenza ishishini. Njengeqonga elingagciniyo, amashishini ahlala egcina ulawulo olupheleleyo kwiimali zabo.

UCelo: Phonononga iimodeli ezintsha zeshishini ezixhaswa zintengiselwano ezincinci

Iqonga lentlawulo ye-crypto ehambelana neselula, Celo ijonge ukwenza i-DeFi ifikeleleke kuye wonke umntu, ngoko ke amashishini anendlela yokungena kwiimarike apho abantu abaninzi behlala bengabhanki.

Mhlawumbi olona ncedo lukhulu lweCelo yindlela evumela ngayo amashishini ukuba afikelele kwiimarike ezintsha, egxile kwiiwallet eziphathwayo kunye neentengiselwano ezinexabiso eliphantsi elibanika indlela yokunxibelelana nezigidi zabantu emhlabeni abangenayo iakhawunti yebhanki. . Ngale ndlela, uCelo uvula umnyango kumacandelo amatsha abathengi kumashishini azimiseleyo ukuzama ukungena kubaphulaphuli abanjalo.

Omnye umba weCelo yinkxaso yayo yeentengiselwano ezingakhuphisaniyo ezincinci. Amashishini anokuthatha eli thuba ukwenza iimodeli ezintsha zoshishino malunga neentlawulo ezincinci, ezifana neendleko eziphantsi kakhulu zokuhlawula-ngokusetyenziswa kweenkonzo kunye nokwenza imali komxholo, okudala ukuthintela iindleko ngaphaya kwenqanaba elithile.

Ukuxhasa oku, i-Celo igxile ekusebenzeni okungenamda, kunye nemirhumo yayo ephantsi kunye namaxesha okuhlaliswa ngokukhawuleza anciphisa kakhulu ubunzima beentlawulo zamazwe ngamazwe. Oku kunokunceda amashishini ngeendlela ezininzi, ezinje ngokubanceda ukuba benze ikhonkco lonikezelo lwamazwe ngamazwe ukonga kwiindleko, ukuqesha abasebenzi abakude okanye ukucofa abathengi abatsha kwiimarike zangaphandle.

Ukongeza, uCelo unenjongo yokuvula ucango lwenkxaso-mali encinci ezinzileyo. Amashishini anokwenza iimodeli ezintsha zengeniso ngokusebenzisa imali eyinkunzi ukuze abonelele ngemali mboleko encinci koosomashishini kunye noluntu olungagcinwanga kakuhle. Ingaphezulu nje kokuvelisa umdla, kwaye imisebenzi enjalo inokuphembelela uphuhliso loqoqosho kwaye idale amathuba amatsha okukhula ngokuseka amakhonkco kunye neemarike ezizayo.

UMenziDAO: Ukujongana neentlawulo ze-crypto ngaphandle kokuguquguquka

Amashishini amaninzi ayayikhaba intlawulo ye-crypto ngenxa yokuguquguquka kwempahla yedijithali, kodwa ukwenza oko kuthetha ukuphoswa yinto enokwenzeka kwenye yeemalike zezemali ezikhula ngokukhawuleza kwixesha lethu, kunye neyona nto ingundoqo eyenza iintlawulo ezingenamda.

UMenziDAO ibonelela amashishini ngesisombululo nge-DAI, i-stablecoin ye-algorithmic eyenzelwe ukugcina isikhonkwane esizinzileyo, esinye-kwisinye kunye nedola yaseMelika. Inzuzo ye-DAI kukuba iinkampani zinokujongana noluhlu lwee-cryptocurrencies, kwaye ngokukhawuleza zithengise ukugcinwa kwazo kwi-stablecoin ukuphelisa iingozi ezinxulumene nokuguquguquka kwe-crypto.

I-DAI ihlala izinzile kuba ithembele kwi-algorithms eyinkimbinkimbi eqinisekisa ukuba igcina isikhonkwane sayo sedola yaseMelika kungakhathaliseki ukuba iimeko zemarike ziphi na i-crypto industry. Eyona nto iphambili koku yinkqubo yokubolekisa ngemali ye-MakerDAO, eyenza abasebenzisi bafumane iimali-mboleko ezihlawulwe kwi-DAI ngokufaka ezinye ii-cryptocurrencies njengesibambiso. Iimali-mboleko zigqithisekile, okuthetha ukuba abasebenzisi kufuneka bafake imali eninzi kunokuba bayithathayo. Oku kwenza i-MakerDAO ikhusele ixabiso le-DAI xa amathokheni ayixhasayo, njenge-ETH kunye ne-Wraped Bitcoin okanye i-wBTC, amava okuguquguquka okuphezulu.

Olona ncedo luphambili lweDAI kukuba ivumela amashishini ukuba athengiselane esebenzisa phantse nayiphi na i-cryptocurrency. Amashishini akusekho mfuneko yokuba aguqule ngokukhawuleza iimali zawo ze-crypto zibe yi-fiat kwaye ahlawule imali eninzi yokuthengiselana ukwenza oko. Endaweni yoko, banokutshintsha ngokukhawuleza i-crypto yabo ye-DAI ngeendleko ezingahoywayo, ukuphepha ukubamba imali enokuthi ixhomekeke ekutshintsheni kwamaxabiso asendle.

Ukongeza, ukwamkelwa okubanzi kwe-DAI kuthetha ukuba amashishini anendlela yokuthengisa kwimida ngeendleko eziphantsi, ezinokuqikelelwa.

I-DeFi iya kuchaza impumelelo yamashishini amancinci

Ukuqhuba ishishini elincinci kuyinto enzima ukuyenza kwaye kuye kwaba nzima ngakumbi ngenxa yezithintelo zeshishini lebhanki lemveli. Ngo-2022, iibhanki zafikelela entsha, lonke ixesha phantsi ngokwemisebenzi yokubolekisa, kunye nezithintelo zetyala eziqinisiweyo zisenza kube nzima kunangaphambili kumashishini amancinci ukuba afumane ikhredithi enexabiso elifanelekileyo.

Amashishini afuna ukufikelela kwityala. Kuphononongo luka-2020, uLawulo lwamaShishini amaNcinci ase-US lufumanise ukuba ngaphezulu I-80% yokusilela kweshishini yenzeke ngenxa yeengxaki zokuhamba kwemali.

Ngokungena kwihlabathi le-DeFi, amashishini amathuba amaninzi okufikelela kwiimali azidingayo ukuze agcine ukuhamba kwawo kwemali, nokuba alinde abathengi ukuba bahlawule ii-invoyisi. Ngexesha elifanayo, banokuzuza kwiintlawulo ezilungelelanisiweyo kunye neendleko eziphantsi kunye nokwandisa ukufikelela kwabo kwiimarike ezintsha, zehlabathi.

Ungalibali ukuthanda nokwabelana ngebali!