Yintoni omawuyazi malunga nezezimali ezinatyisiweyo?

Iimarike ze-Crypto zithembele iindlela ezahlukeneyo zokulamla. Ngelixa ezinye iindlela ze-crypto intermediation zinee-analogue ezithe ngqo kwizemali zemveli, ezinye- eyaziwa njengemali yokwabela amagunya, - zintsha kwaye zisanda kufumana udumo.

Izimali ezinatyisiweyo ibonelela ngeenkonzo zemali ngaphandle kwabalamli abaphakathi, abasebenza ngeeprothokholi ezizenzekelayo kwi-blockchains. Izimali ezinatyisiweyo zikhula ngokukhawuleza njengenye indlela ekhuselekileyo, eselubala nesebenzayo iinkonzo zemali zemveli.

Ngokususa imfuno yamaziko emali abekwe kwindawo enye, sidala inkqubo yezemali evuleleke ngakumbi kwaye ethembeke ngakumbi, kunye nokufikeleleka ngakumbi. Ikhuselwe ngu iteknoloji ye-blockchain, iimali ezinatyisiweyo ziya kunciphisa umngcipheko worhwaphilizo, urhwaphilizo kunye nokuphathwa kakubi kwe-asethi yakho.

Kwakhona kuya kwenza ulawulo lwezemali lungabizi kakhulu kwaye lusebenze kakuhle, lungabikho ngaphezulu imirhumo ye-ovadrafti, iindleko ezingaphezulu ze ugqithiselo lwe-elektroniki kwaye akusekho kulinda ngeeyure zebhanki ukuze kuqinisekiswe intengiselwano.

Kweli nqaku elinye, iqela le Finance de Demain ikunika amagqabantshintshi malunga nento ekufuneka uyazi malunga nezimali ezinatyisiweyo. Makhe siye

🌿 Yintoni imali yokwabela amagunya?

Izimali ezinatyisiweyo, okanye Defi ”, sisiseko sezemali esakhulayo sedijithali esisusa ithiyori imfuneko yebhanki ephakathi okanye i-arhente karhulumente ukuba ivume ukuthengiselana kwemali.

Ithathwa ngabaninzi njengesambulela sexesha elitsha lokuqamba izinto ezintsha, I-DeFi iqhagamshele ngokunzulu kwi-blockchain. I-Blockchain ivumela zonke iikhomputha (okanye ii-nodes) kwinethiwekhi ukuba zibambe ikopi yembali yokuthengiselana. Uluvo kukuba akukho ziko elinye linolawulo okanye linokuguqula le rekhodi yentengiselwano.

Uninzi lweenkonzo zemali ezinokuthi zichazwe njenge-DeFi zifumaneka kwinethiwekhi ye-Ethereum. Le network yiXNUMXnd inkulu cryptocurrency market. Ikwasebenza njengeqonga lezinye izicelo ze-blockchain eziza kwakhiwa.

Ngokusebenzisa izicelo ezinatyisiweyo, okanye iidApps, amaqela amabini okanye ngaphezulu anokuthengisa, ukuboleka, ukuboleka kunye nokutshintshiselana ngokuthe ngqo usebenzisa iteknoloji ye-blockchain kunye izivumelwano smart ngaphandle kokubandakanyeka kunye neendleko zabameli. Yi imarike yedijithali enobulungisa, ekhululekileyo nevulekileyo, ubuncinane kwithiyori.

🌿 Uqondwa njani ulwabiwo lwemali?

Ixesha Ulawulo lwezezimali, okanye i-DeFi ngokufutshane, ichaza inkqubo yezemali esebenza ngaphandle kwabameli bendabuko, abaphakathi. Sisetyenziselwa yonke into ehamba ngebhanki kunye namanye amaziko emali njengotshintshiselwano lwehlabathi, kodwa i-DeFi idala inkqubo enokuthi iqhube ngokwayo.

Ukuqonda ulwabiwo lwemali kunye nendlela esebenza ngayo, kuyanceda ukuqonda indlela imali esembindini yohluke ngayo kwiDeFi.

🔰 Izimali ezibekwe kwindawo enye

Kwimali esembindini, imali yakho igcinwe ngamaziko anenjongo ephambili ikukwenza imali. Inkqubo yezemali igcwele abantu besithathu abaququzelela ukuhamba kwemali phakathi kwamaqela, ngalinye ukuhlawula umrhumo wokusetyenziswa weenkonzo zakhe.

Ngokomzekelo, Masithi uthenga igaloni yobisi usebenzisa ikhadi lakho letyala. Intlawulo ihlawuliswa ngumrhwebi kwibhanki efumanayo, edlulisela iinkcukacha zekhadi kwinethiwekhi yekhadi letyala.  

Inethiwekhi icoca intlawulo kwaye icela intlawulo kwibhanki yakho. Ibhanki yakho iyayivuma intlawulo kwaye ithumele imvume kwinethiwekhi, ngebhanki efumanayo, kumrhwebi. Iziko ngalinye kwelitsheyini lifumana intlawulo ngeenkonzo zalo, ngokwesiqhelo kuba abarhwebi kufuneka bahlawulele ukukwazi kwakho ukusebenzisa amakhadi etyala nawedebhithi.

Zonke ezinye iintengiselwano zemali zibiza imali; izicelo zemali-mboleko zinokuthatha iintsuku ukuba zamkelwe; usenokungakwazi nokusebenzisa iinkonzo zebhanki ukuba uhamba. Nangona kunjalo, ngenkxaso-mali enikezelweyo, izinto ziyatshintsha.

🔰 Izimali ezinatyisiweyo

Izimali ezinatyisiweyo banqumle abaphakathi ngokwenza ukuba abantu, abarhwebi kunye namashishini baqhube iintengiselwano zemali ngokusebenzisa ubuchwepheshe obusakhulayo.

Oku kufezwa ngonxibelelwano lwezemali lontanga-kwintanga esebenzisa iiprothokholi zokhuseleko oluphezulu, uqhagamshelo, isoftware, kunye nehardware.

Naphi na apho unoqhagamshelo lwe-Intanethi, ungaboleka, urhwebe, kwaye uboleke usebenzisa isoftware erekhoda kwaye iqinisekise iintshukumo zezimali kwiindawo zogcino-lwazi lwezemali. I-database esasazwayo ifumaneka kwiindawo ezahlukeneyo; iqokelela kwaye idibanise idatha kubo bonke abasebenzisi kwaye isebenzisa indlela yemvumelwano ukuyiqinisekisa.

Izimali ezinatyisiweyo zisebenzisa obu buchwepheshe ukuphelisa iimodeli zemali ezibekwe kwindawo ephakathi ngokuvumela nabani na ukuba asebenzise iinkonzo zemali naphi na, kungakhathaliseki ukuba ngubani na okanye uphi na.

Iiapps zeDeFi zinika abasebenzisi ulawulo ngakumbi kwimali yabo ngokusebenzisa izipaji zobuqu kunye neenkonzo zokurhweba ezibonelela abantu. Ekugqibeleni, sinokuthi imali yokwabela amagunya ikhawulezisa ukubandakanywa kwemali.

🌿 Isebenza njani imali yokwabela amagunya?

Kunokuba ibhanki iququzelele ukuthengiselana kunye neenkonzo phakathi kwamaqela, i-DeFi isebenzisa iteknoloji. Nangona kunjalo, amacandelo amabini aphambili enza inkqubo yezemali isebenze: isiseko kunye nemali.

Kwinkqubo esembindini, iibhanki kunye namaziko emali asebenza njengesi siseko. Imali yeFiat, njengedola yaseMelika, isebenza njengemali. Izimali ezinatyisiweyo kufuneka zithathe indawo yala macandelo ukuze zibonelele ngoluhlu olupheleleyo lweenkonzo zemali.

🔰 Iziseko zophuhliso

Ethereum liqonga lokubhala iinkqubo ezinatyisiweyo. Siyabulela ku-Ethereum siyakwazi ukwenza izivumelwano ezihlakaniphile.

Ukusebenzisa ezi zivumelwano, unokuseka isethi yemigaqo yenkonzo yezemali esebenza ngayo kwaye usebenzise loo migaqo kwi-Ethereum. Nje ukuba ikhontrakthi ehlakaniphile isetyenziswe, ayinakuguqulwa.

Abasebenzisi banokudala izicelo ezinatyisiweyo kwi-Ethereum ukuseka nayiphi na inkonzo yemali kunye nokuvumela izivumelwano ezihlakaniphile ukulawula ezi nkonzo ngokuzimeleyo.

🔰 Imali

Ukuze udale inkqubo yezemali ethembekileyo nekhuselekileyo, udinga imali ezinzileyo. I-Bitcoin ayihambelani neqonga le-Ethereum, kwaye Ether -I-cryptocurrency ka-Ethereum enokucwangciswa- iyaguquguquka kakhulu. Ke ufuna imali ezinzileyo okanye imali, " stablecoin ».

I-stablecoin yi-cryptocurrency ehambelana nexabiso layo imali ye-fiat. I-DAI yi-stablecoin ebekwe phantsi kolawulo kwidola yaseMelika. Oko kuthetha ukuba I-1 i-DAI inexabiso elilingana ne-1 USD.

Ixabiso le-DAI lixhaswa sisibambiso se-cryptocurrency, kunokuba sixhaswe ngokuthe ngqo ngoovimba beedola zaseMelika. Ngenxa yokuzinza kwayo, I-DAI yeyona mali ifanelekileyo yezemali ezinatyisiweyo.

🌿 Iinkonzo zemali ezinatyisiweyo

Izibonelelo zenkqubo yezemali eyabelwe amagunya zihamba ngaphaya kweentlawulo ze-intanethi, P2P iintlawulo. Utshintshiselwano lwemali ngomnye kuphela umba wenkqubo yezemali ngokwesiqhelo.

Izimali ezinatyisiweyo zifuna ukutshintsha yonke imiba, kuquka notshintshiselwano, iimali-mboleko, i-inshurensi kunye nezicwangciso zokonga. Iikhontrakthi ze-Smart kwi-Ethereum zivumela ezi nkonzo zokwabela amagunya ukuba zibekho kwaye zisebenze ngendlela enobulungisa nekhuselekileyo. Ngezantsi ezinye zeenkonzo zemali esele zixhaswa ngu-Ethereum:

🔰 Ukuboleka nokuboleka okunatyisiweyo

Ngemali esembindini, ukuboleka kunye nokuboleka imali kujikeleza abantu ababandakanyekayo. Iibhanki kufuneka zazi ukuba kunokwenzeka ukuba uyibuyise imali-mboleko phambi kokuba uboleke.

Nangona kunjalo, ukubolekisa ngemali okunatyisiweyo kusebenza ngaphandle kokuba naliphi na iqela lizazise. Kunoko, umboleki kufuneka anike isibambiso sokuba umbolekisi uya kufumana ngokuzenzekelayo ukuba imali mboleko yakhe ayihlawulwa. Abanye ababolekisi bade bamkele ii-NFTs njengesibambiso.

Ungafumana imali-mboleko kwimizuzu ngemizuzu. Oku, ngaphandle kokudlula kwinkqubo yesicelo enzima okanye enzima.

ICompound sisicelo esisekwe kwi-Ethereum esiququzelela ukuboleka kunye nokuboleka koontanga-kuya-kwentanga. I-Compound idibanisa ngokuzenzekelayo ababolekisi kubaboleki kwaye ilawula ngokuzimeleyo iimali mboleko usebenzisa izivumelwano ezihlakaniphile.

Oku kukhokelele ekukhuleni kokuthandwa koko kwaziwa ngokuba "ukulima isivuno", njengoko nabani na unokuboleka ii-asethi ze-crypto kwaye azuze inzala kwinkqubo. Unokusebenzisa iCompound ukuthumela i-cryptocurrency yakho njengesibambiso kwaye uboleke imali yefiat ngokuchasene nayo.

🔰 Utshintshiselwano olunatyisiweyo

I-Decentralized Exchange (DEX) ivumela ukuba sithenge, sithengise kwaye sithengise imali ye-crypto kwi-platform ye-Ethereum. Oku ngaphandle kokudlula kumsebenzisi wotshintshiselwano; ngaphandle kwesidingo sobhaliso okanye ukuqinisekiswa kwesazisi; kwaye akukho ntlawulo yokutsala imali.

Ukongeza, ukutshintshiselana nge-DEX ayifuni idipozithi yokuqala, ngokungafaniyo notshintshiselwano oluphakathi. Uthengiselwano lwenziwa ngokuzimeleyo, kunye nemigaqo kunye nenkqubo ekhokelwa ziikhontrakthi ezihlakaniphile.

🔰 I-inshurensi yokwabela amagunya

Iikhontrakthi ze-Smart kwinkqubo yezemali yokwabela amagunya nazo zenza ukuba i-inshurensi yoontanga-kuya-ontanga ibekho. Kwinkqubo yezemali eyandisiweyo, unako qhagamshela nabani na kwihlabathi elifuna ukukhusela impahla yakho.

Kwelinye icala, unokuqinisekisa iiasethi zabanye abantu ngeprimiyamu, ngaphandle kokuba udlule kwinkampani yeinshurensi okanye iarhente.

Yonke into yenzeka ngokuzimeleyo, kunye nezivumelwano ezihlakaniphile eziqinisekisa a inkqubo enobulungisa, ekhuselekileyo nethembekileyo.

🌿 Liliphi ikamva lezemali ezinatyisiweyo?

Sibona ukutsiba kwequantum ngaphakathi imisebenzi emitsha enokwenzeka imali ngokusungulwa kweetekhnoloji zeeleja ezisasaziweyo. Okokuqala kwimbali, inkqubo yezemali yehlabathi kuluntu lwehlabathi ibunjwe ngaba bantu bafanayo.

Nabani na unokuthatha inxaxheba kulawulo lweeprothokholi zeDeFi kwaye ahlale etafileni apho ihlabathi lezemali ezinatyisiweyo lenziwa ngokusebenzayo.

Indawo yeDeFi ngokuthe ngcembe ifumana inkqubo yezemali yemveli. Ngaphandle kwemiqobo ethile, ihlabathi lezemali ezinatyisiweyo lisendleleni eya empumelelweni. Ixesha elidlulele, kunzima ukuqikelela esi sithuba siya kumila njani xa amandla okwakha iinkonzo zezimali elawulwa ngedemokhrasi.

Nangona kunjalo, njengoko i-DeFI kunye nemephu ye-fintech iphuma kwaye idibanisa, siya kuba nendawo ye-inflection apho i-nascent fintech iyinxalenye yenkqubo entsha yezemali. Lowo uqondayo iphupha lokukhawuleza, ukhuseleko, ukufumaneka nokulingana.