Chii chaunofanira kuziva nezve decentralized finance?

Misika yeCrypto inovimba nayo nzira dzakasiyana-siyana dzekupindirana. Nepo mamwe mafomu ekupindirana kwecrypto aine analogues akananga mumari yechinyakare, mamwe - inozivikanwa se decentralized finance, - zvinyowani uye vachangobva kuwana mukurumbira.

Decentralized finance inopa masevhisi emari pasina pakati pepakati, anoshanda kuburikidza neatomatiki maprotocol pa blockchains. Decentralized finance iri kukurumidza kukura seimwe nzira yakachengeteka, yakajeka uye inoshanda mabasa emari echinyakare.

Nekubvisa kudiwa kwemasangano emari epakati, tiri kugadzira hurongwa hwemari zvakanyanya kuvhurika uye zvakanyanya kuvimbika, uye zvakawanda zvinowanikwa. Yakachengetedzwa na blockchain tekinoroji, decentralized finance inoderedza njodzi dzekubiridzira, huori uye kusafambiswa zvakanaka kwezvinhu zvako.

Ichaitawo kuti kutonga kwemari kuve kudhura uye kushanda nesimba, pasina zvimwe muripo we overdraft, mari yakawanda ye kufambisa kwemagetsi uye hapasisina kumirira panguva dzekubhanga kuti kutengeserana kusimbiswe.

Mune chimwe chinyorwa ichi, chikwata che Finance de Demain inokupa muchidimbu pane zvaunofanira kuziva nezve decentralized finance. handeyi

🌿 Chii chinonzi decentralized finance?

Decentralized finance, kana “ Defi ”, iri kusimukira dhijitari yemari masisitimu ayo anobvisa kudiwa kwebhangi repakati kana sangano rehurumende kubvumidza kutengeserana kwemari.

Inofungidzirwa nevakawanda senge amburera izwi idzva rekuvandudza, DeFi yakabatana zvakanyanya ne blockchain. Blockchain inobvumira makomputa ese (kana node) pane network kubata kopi yenhoroondo yekutengeserana. Pfungwa ndeyokuti hapana sangano rimwechete rine kutonga kana kuti rinogona kugadzirisa rekodhi iyi yekutengeserana.

Mazhinji masevhisi emari anogona kutsanangurwa seDeFi anowanikwa pane Ethereum network. Network iyiyechipiri yakakura cryptocurrency musika. Iyo inoshandawo sepuratifomu kune mamwe blockchain application kuti ivakwe.

Nokushandisa decentralized applications, kana dApps, mapato maviri kana anopfuura anogona kutengesa, kukweretesa, kukwereta uye kuchinjana zvakananga achishandisa blockchain tekinoroji uye smart zvibvumirano pasina kubatanidzwa uye mari yevarevereri. Zviri a yakanaka, yemahara uye yakavhurika musika wedhijitari, zvirinani mune dzidziso.

🌿 Nzira yekunzwisisa sei decentralized finance?

Izwi decentralized finance, kana kuti DeFi muchidimbu, inotsanangura hurongwa hwemari hunoshanda pasina tsika dzechinyakare, dzepakati. Isu takajaira kune zvese zvinopinda mubhangi uye mamwe masangano emari senge shanduko yepasi rose, asi DeFi inogadzira system inogona kushanda yega.

Kuti unzwisise mari yakadzikiswa uye kuti inoshanda sei, zvinobatsira kunzwisisa kuti mari yepakati inosiyana sei neDeFi.

🔰 Centralized mari

Mumari yepakati, mari yako inobatwa nemasangano ane chinangwa chikuru kuita mari. Iyo hurongwa hwemari izere nevechitatu mapato anofambisa kufamba kwemari pakati pemapato, mumwe nemumwe kubhadharisa mari yekushandisa zvemasevhisi ayo.

Somuenzaniso, tomboti unotenga galoni remukaka uchishandisa kadhi rako rechikwereti. Mari yacho inobhadhariswa nemutengesi kubhangi rinotora, iro rinopfuudza ruzivo rwekadhi kune network yekadhi rechikwereti.  

Network inobvisa mari uye zvikumbiro zvekubhadhara kubva kubhangi rako. Bhengi rako rinotendera kubhadhariswa uye rinotumira mvumo kumashure kunetiweki, kuburikidza nebhangi rinotora, kumutengesi. Chikwata chega chega chiri mucheni chinowana mubhadharo wemasevhisi aro, kazhinji nekuti vatengesi vanofanirwa kubhadhara kugona kwako kushandisa makadhi echikwereti nerechikwereti.

Zvimwe zvese zvekutengesa zvemari zvinoda mari; zvikumbiro zvechikwereti zvinogona kutora mazuva kuti atenderwe; unogona kusatombokwanisa kushandisa masevhisi ebhangi kana uri parwendo. Nekudaro, nemari yakaganhurwa, zvinhu zvinoshanduka.

🔰 Decentralized finance

Decentralized finance cheka vepakati nekugonesa vanhu, vatengesi uye mabhizinesi kuita kutengeserana kwemari kuburikidza nehunyanzvi huri kubuda.

Izvi zvinoitwa kuburikidza nevezera-kune-vezera mari network anoshandisa yepamusoro chengetedzo protocol, yekubatanidza, software uye hardware.

Kwese kwese kwaunenge uine chinongedzo cheInternet, unogona kukweretesa, kutengesa, uye kukwereta uchishandisa software inorekodha uye inosimbisa zviito zvemari mumadhatabheti emari akagoverwa. Dhatabhesi yakagoverwa inowanikwa kubva kunzvimbo dzakasiyana; inounganidza nekuunganidza data kubva kune vese vashandisi uye inoshandisa nzira yekubvumirana kuti ionekwe.

Decentralized finance inoshandisa tekinoroji iyi kubvisa mhando dzemari dzepakati nekubvumira chero munhu kushandisa masevhisi emari chero kupi zvako, zvisinei kuti ndiani kana kuti kupi.

Mapurogiramu eDeFi anopa vashandisi kutonga kwakawanda pamusoro pemari yavo kuburikidza newallet yega uye masevhisi ekutengesa anobatsira vanhu. Pakupedzisira, tinogona kutaura izvozvo decentralized finance inomhanyisa kubatanidzwa kwemari.

🌿 Decentralized finance inoshanda sei?

Pane kuti bhangi rifambise kutengeserana uye masevhisi pakati pemapato, DeFi inoshandisa tekinoroji. Nekudaro, zvinhu zviviri zvakakosha zvinoita kuti hurongwa hwemari hushande: chivakwa uye mari.

Mune imwe centralized system, mabhanga uye masangano emari anoita sezvivakwa izvi. Fiat mari, sedhora rekuAmerica, inoshanda semari. Decentralized finance inofanirwa kutsiva izvi zvikamu kuti ipe huwandu hwakakwana hwemari masevhisi.

🔰 Infrastructure

Ethereum ipuratifomu yekunyora zvirongwa zvakatemerwa. Kutenda kuEthereum isu tinokwanisa kugadzira zvibvumirano zvakangwara.

Uchishandisa zvibvumirano izvi, unogona kuisa mitemo yekuti basa rezvemari rinoshanda sei uye kushandisa iyo mitemo paEthereum. Kana kontrakiti yakangwara yaiswa, haigone kuchinjwa.

Vashandisi vanogona kugadzira decentralized applications paEthereum kumisikidza chero masevhisi emari uye kubvumira zvibvumirano zvakangwara kuti zvibate masevhisi aya zvakazvimiririra.

🔰 Mari

Kuti ugadzire yakavimbika uye yakachengeteka decentralized yemari system, unoda mari yakagadzikana. Bitcoin haienderani neEthereum platform, uye Ether -Ethereum's pachake programmable cryptocurrency - yakanyanya kushanduka. Saka tinoda mari yakagadzikana kana mari, iyo “ stablecoin ".

A stablecoin icryptocurrency inoenderana nekukosha kwayo fiat currency. DAI imari yakasarudzika yakabatiswa kudhora rekuAmerica. Zvinoreva kuti 1 DAI ine kukosha kwakaenzana ne1 USD.

Kukosha kweDAI kunotsigirwa necryptocurrency collateral, pane kutsigirwa zvakananga neUS dollar reserves. Nekuda kwekugadzikana kwayo, DAI ndiyo mari yakafanira yezvemari yakaganhurwa.

🌿 Decentralized financial services

Mabhenefiti eiyo decentralized yemari system inodarika kubhadhara kwepamhepo, P2P kubhadhara. Kufambiswa kwemari chinhu chimwe chete chetsika dzepakati pemari system.

Decentralized finance inotsvaga kutsiva zvese zvikamu, kusanganisira kuchinjana, zvikwereti, inishuwarenzi uye zvirongwa zvekuchengetedza. Zvibvumirano zveSmart paEthereum zvinobvumira aya masevhisi akaiswa pasi kuti avepo uye ashande nenzira yakanaka uye yakachengeteka. Pazasi pane mamwe masevhisi emari akatotsigirwa neEthereum:

🔰 Decentralized kukwereta nekukweretesa

Nemari yepakati, kukweretesa nekukwereta mari kunotenderera kune vanhu vanobatanidzwa. Mabhangi anofanira kuziva kana uchizokwanisa kubhadhara chikwereti usati wakweretesa.

Zvakadaro, kukweretesa kwenzvimbo kunoshanda pasina bato rinofanirwa kuzvizivisa. Pane kudaro, mukwereti anofanira kupa chibatiso icho mukweretesi achagamuchira otomatiki kana chikwereti chake chikasabhadharwa. Vamwe vanokweretesa vanotogamuchira NFTs sechibatiso.

Iwe unogona, kuburikidza nemari yakaganhurwa, kuwana chikwereti mumaminetsi. Izvi, pasina kuenda kuburikidza neyakaoma kana kuomesera maitiro ekunyorera.

Compound is an Ethereum-based application iyo inogonesa kupatsanurwa kwevezera-kune-vezera kukwereta uye kukweretesa. Compound inobatanidza otomatiki vanokweretesa kune vanokwereta uye inozvitonga inobata zvikwereti uchishandisa smart makondirakiti.

Izvi zvakaita kuti mukurumbira uwedzere wezvinozivikanwa se "kurima goho", sezvo chero munhu anogona kukweretesa yavo crypto assets uye kuwana mubereko mukuita. Iwe unogona zvakare kushandisa Compound kutumira yako cryptocurrency sechibatiso uye kukwereta fiat mari pairi.

🔰 Decentralized exchanges

Iyo Decentralized Exchange (DEX) inotibvumira kutenga, kutengesa uye kutengesa cryptocurrencies paEthereum papuratifomu. Izvi pasina kuenda kuburikidza nemushandisi wekuchinjana; pasina kudiwa kwekunyoreswa kana chitupa chekuongorora; uye hapana mari yekubvisa mari.

Mukuwedzera, kuchinjanisa neDEX zvinoda hapana dhipoziti yekutanga, kusiyana nepakati exchanges. Transactions inoitwa yakazvimirira, nematemu uye maitiro anotungamirwa nezvibvumirano zvakangwara.

🔰 Decentralized insurance

Zvibvumirano zveSmart muhurongwa hwemari hwakatemerwa zvakare hunoita kuti inshuwarisi yevezera-kune-vezera igoneke. Mune hurongwa hwemari hwakaganhurwa, unogona kubatana nemunhu wese pasi rese anoda kuchengetedza zvinhu zvako.

Kune rumwe rutivi, unogona kuchengetedza zvinhu zvevamwe vanhu kuti uwane mari yepamusoro, pasina kumboenda nekambani yeinishuwarenzi kana mumiririri.

Zvese zvinoitika zvakazvimiririra, nezvibvumirano zvakangwara zvinovimbisa a nzira yakanaka, yakachengeteka uye yakavimbika.

🌿 Nderipi remangwana remari yakaganhurwa?

Isu tinoona kusvetuka kwequantum mukati itsva functionalities zvinogoneka mari kuburikidza nekuvandudzwa kweakagoverwa ledger tekinoroji. Kekutanga munhoroondo, hurongwa hwemari hwepasi rose hwehuwandu hwepasi rose zvakaumbwa nenhamba imwe chete iyi.

Chero ani zvake anogona kutora chikamu mukutonga kweDeFi protocol uye atore chigaro patafura iyo nyika yehupfumi hwakatemerwa iri kugadzirwa.

Iyo DeFi nzvimbo iri kubata zvishoma nezvishoma neyakajairwa mari system. Pasinei nezvimwe zvipingamupinyi, nyika yezvemari yakaganhurwa iri munzira inoenda kubudiriro. Kupfuuridza nguva, zvakaoma kufanotaura kuti nzvimbo iyi ichaita sei kana simba rekuvaka masevhisi emari rave democratized.

Nekudaro, seDeFI uye fintech mepu uye kubatanidza, isu tichava neinflection poindi apo nascent fintech inongova chikamu chimwe chehurongwa hutsva hwemari. Uyo anozviziva kurota kwekukurumidza, kuchengeteka, kuwanikwa uye kuenzana.