Yini okufanele ukwazi mayelana nezimali ezihlukaniselwe abantu?

Izimakethe ze-Crypto zithembele kuyo izinhlobo ezahlukene zokulamula. Ngenkathi ezinye izinhlobo ze-crypto intermediation zine-analogue eziqondile kwezezimali zendabuko, ezinye - eyaziwa ngokuthi yi-decentralized finance, - zintsha ngokuyisisekelo futhi zisanda kuthola udumo.

Ezezimali ezimisiwe inikeza izinsizakalo zezezimali ngaphandle kwabalamuli abaphakathi nendawo, abasebenza ngezivumelwano ezizenzakalelayo kuma-blockchains. Izimali ezimisiwe zikhula ngokushesha njengendlela ephephile, esobala kakhulu futhi esebenza ngempumelelo izinsiza zezimali zendabuko.

Ngokuqeda isidingo sezikhungo zezimali ezimaphakathi, sakha uhlelo lwezezimali evuleke kakhulu futhi enokwethenjelwa, futhi kufinyeleleke kakhudlwana. Ivikelwe ngu ubuchwepheshe be-blockchain, ezezimali ezisabalalisiwe zizonciphisa ubungozi bokukhwabanisa, inkohlakalo kanye nokungaphathwa kahle kwempahla yakho.

Kuzokwenza futhi ukuphatha izimali kungabizi kakhulu futhi kusebenze kahle, ngaphandle kokunye imali ye-overdraft, izindleko ezengeziwe ze ukudluliselwa ngogesi futhi akusekho ukulinda phakathi namahora asebhange ukuze kuqinisekiswe okwenziwayo.

Kulesi esinye isihloko, ithimba of Finance de Demain ikunikeza ukwaziswa ngalokho okudingeka ukwazi mayelana nezimali ezihlukaniselwe amazwe. Asihambe

🌿 Iyini i-decentralized finance?

Ukwehlukaniswa kwezimali, noma “ Defi ”, ingqalasizinda yezezimali yedijithali evelayo esusa ngokwethiyori isidingo sokuthi ibhange elikhulu noma i-ejensi kahulumeni ivumele ukuthengiselana kwezezimali.

Kucatshangwa abaningi njengegama eliyisambulela segagasi elisha lokuqamba izinto ezintsha, I-DeFi ixhunyaniswe ngokujulile ne-blockchain. I-Blockchain ivumela wonke amakhompyutha (noma ama-node) kunethiwekhi ukuthi abambe ikhophi yomlando wokwenziwe. Umbono wukuthi alikho ibhizinisi elilodwa elilawulayo noma elingashintsha leli rekhodi lemisebenzi.

Izinsizakalo eziningi zezezimali ezingachazwa ngokuthi i-DeFi zitholakala kunethiwekhi ye-Ethereum. Le nethiwekhi iimakethe yesibili ngobukhulu ye-cryptocurrency. Iphinde isebenze njengenkundla yezinye izinhlelo zokusebenza ze-blockchain okufanele zakhiwe.

Ngokusebenzisa izinhlelo zokusebenza ezihlukaniselwe izwe, noma ama-dApps, amaqembu amabili noma ngaphezulu angakwazi ukuhweba, ukuboleka, ukuboleka nokushintshanisa ngokuqondile usebenzisa ubuchwepheshe be-blockchain kanye izinkontileka ezihlakaniphile ngaphandle kokubandakanyeka kanye nezindleko zabalamuli. Kuyi-a imakethe yedijithali enobulungiswa, yamahhala nevulekile, okungenani ngokombono.

🌿 Indlela yokuqonda ezezimali ezihlukaniselwe izwe?

ethemini ezezimali ezisatshalaliswa, noma i-DeFi ngamafuphi, ichaza uhlelo lwezezimali olusebenza ngaphandle kwabalamuli bendabuko, abamaphakathi. Sijwayele yonke into ehamba ebhange nakwezinye izikhungo zezezimali njengokushintshaniswa komhlaba wonke, kodwa i-DeFi idala uhlelo olungasebenza lodwa.

Ukuze uqonde ezezimali ezihlukaniselwe izindawo kanye nokuthi zisebenza kanjani, kusiza ukuqonda ukuthi izimali ezibekwe endaweni eyodwa zihluke kanjani ku-DeFi.

🔰 Ezezimali ezimaphakathi

Kwezezimali ezimaphakathi, imali yakho iphethwe amabhizinisi azo inhloso yawo enkulu kuwukwenza imali. Uhlelo lwezezimali lugcwele abantu besithathu abasiza ukuhamba kwemali phakathi kwamaqembu, ngamunye ukushaja imali yokusebenzisa yezinkonzo zayo.

Isibonelo, ake sithi uthenga igaloni lobisi usebenzisa ikhadi lakho lesikweletu. Inkokhelo ikhokhiswa umthengisi ebhange elizuzayo, elidlulisela imininingwane yekhadi kunethiwekhi yekhadi lesikweletu.  

Inethiwekhi isula izindleko kanye nezicelo zenkokhelo ebhange lakho. Ibhange lakho ligunyaza inkokhiso futhi lithumela ukugunyazwa emuva kunethiwekhi, ngebhange elizuzayo, kumthengisi. Ibhizinisi ngalinye ochungechungeni lithola inkokhelo ngamasevisi alo, ngokuvamile ngenxa yokuthi abathengisi kufanele bakhokhele ikhono lakho lokusebenzisa amakhadi esikweletu nawemali.

Konke okunye ukuthengiselana kwezezimali kubiza imali; izicelo zokubolekwa imali zingathatha izinsuku ukuthi zigunyazwe; ungase ungakwazi ngisho nokusebenzisa izinsiza zebhange uma usohambweni. Kodwa-ke, ngezimali ezimisiwe, izinto ziyashintsha.

🔰 Ezezimali Ezinwetshiwe

Ezezimali ezimisiwe khipha abaphakathi ngokunika amandla abantu, abathengisi namabhizinisi ukuthi benze ukuthengiselana kwezezimali ngobuchwepheshe obusafufusa.

Lokhu kufezwa ngamanethiwekhi ezezimali ontanga kuya kontanga asebenzisa izivumelwano zokuphepha ezithuthukisiwe, ukuxhumana, isoftware nehardware.

Noma yikuphi lapho unoxhumo lwe-inthanethi, ungaboleka, uhwebe, futhi uboleke usebenzisa isofthiwe erekhoda futhi iqinisekise izenzo zezezimali kuzigcinilwazi ezisabalalisiwe zezezimali. Idatha egciniwe esabalalisiwe iyatholakala ezindaweni ezahlukene; iqoqa futhi ihlanganise idatha evela kubo bonke abasebenzisi futhi isebenzisa indlela yokuvumelana ukuze iyiqinisekise.

Izimali ezimisiwe zisebenzisa lobu buchwepheshe ukuqeda amamodeli ezezimali amaphakathi ngokuvumela noma ubani ukusebenzisa izinsiza zezezimali noma yikuphi, kungakhathaliseki ukuthi ubani noma ukuphi.

Izinhlelo zokusebenza ze-DeFi zinikeza abasebenzisi ukulawula okwengeziwe emalini yabo ngezikhwama zomuntu siqu namasevisi okuhweba abhekelela abantu ngabanye. Ekugcineni, singakusho lokho ezezimali ezidluliselwe kwamanye amazwe zisheshisa ukufakwa kwezimali.

🌿 Isebenza kanjani imali yokwabiwa kwamazwe?

Kunokuba ibhange lisize ukuthengiselana namasevisi phakathi kwezinkampani, i-DeFi isebenzisa ubuchwepheshe. Nokho, izingxenye ezimbili eziyinhloko zenza uhlelo lwezezimali lusebenze: ingqalasizinda kanye nemali.

Ohlelweni oluphakathi nendawo, amabhange nezikhungo zezezimali zisebenza njengale ngqalasizinda. Imali ye-Fiat, njengedola laseMelika, isebenza njengemali. Izimali ezimisiwe kufanele zithathele lezi zingxenye ukuze zinikeze uhla oluphelele lwezinsizakalo zezezimali.

🔰 Ingqalasizinda

Ethereum iyinkundla yokubhala izinhlelo ezincishisiwe. Ngenxa ye-Ethereum siyakwazi ukudala izinkontileka ezihlakaniphile.

Usebenzisa lezi zinkontileka, ungasungula isethi yemithetho yokuthi isevisi yezezimali isebenza kanjani futhi usebenzise leyo mithetho ku-Ethereum. Uma inkontileka ehlakaniphile isikhishiwe, ayikwazi ukushintshwa.

Abasebenzisi bangadala izicelo ezimisiwe ku-Ethereum ukusungula noma iyiphi isevisi yezezimali futhi uvumele izinkontileka ezihlakaniphile ukuthi zilawule lezi zinsizakalo ngokuzenzakalelayo.

🔰 Imali

Ukuze wakhe uhlelo lwezezimali oluthembekile noluvikelekile, udinga uhlobo lwemali oluzinzile. I-Bitcoin ayihambisani nesiteji se-Ethereum, futhi Ether - I-cryptocurrency ka-Ethereum ehlelekayo - iyaguquguquka kakhulu. Ngakho-ke sidinga imali noma uhlobo lwemali oluzinzile, “ stablecoin ".

I-stablecoin iyi-cryptocurrency efana nenani layo imali ye-fiat. I-DAI iyi-stablecoin ehlukaniswe yaba yidola laseMelika. Okusho ukuthi I-DAI engu-1 inenani elilingana no-1 USD.

Inani le-DAI lisekelwa isibambiso se-cryptocurrency, kunokuba lisekelwe ngokuqondile imali egciniwe yedola laseMelika. Ngenxa yokuzinza kwayo, I-DAI iwuhlobo lwemali olufanele lwezezimali ezisabalaliswa.

🌿 Izinsizakalo zezezimali ezisabalalise

Izinzuzo zohlelo lwezezimali oluhlukaniselwe izwe zidlula izinkokhelo ze-inthanethi, P2P izinkokhelo. Ukudluliswa kwemali kuyisici esisodwa kuphela sohlelo lwezezimali olujwayele ukwenziwa endaweni eyodwa.

Izimali ezimisiwe zifuna ukushintsha zonke izici, okuhlanganisa nokuhwebelana, imali mboleko, umshwalense kanye nezinhlelo zokonga. Izinkontileka ezihlakaniphile ku-Ethereum zivumela lezi zinsizakalo ezihlukaniselwe amazwe ukuba zibe khona futhi zisebenze ngendlela efanele nevikelekile. Ngezansi ezinye zezinsizakalo zezezimali esezivele zisekelwa yi-Ethereum:

🔰 Ukuboleka nokuboleka okudluliselwe ezindaweni ezithile

Ngezimali ezimaphakathi, ukuboleka nokuboleka imali kuzungeza abantu abahilelekile. Amabhange kumele azi ukuthi kungenzeka yini ukhokhe imali oyibolekile ngaphambi kokuboleka.

Kodwa-ke, ukubolekwa kwemali okunwetshiwe kusebenza ngaphandle kokuthi noma iyiphi inhlangano iziveze. Kunalokho, umboleki kufanele anikeze isibambiso lowo obolekisayo azosithola ngokuzenzakalelayo uma imalimboleko yakhe ingabuyiselwa. Abanye ababolekisi baze bamukele ama-NFTs njengesibambiso.

Ungathola, ngezimali ezihlukaniselwe abantu, uthole imali mboleko ngamaminithi. Lokhu, ngaphandle kokudlula kunqubo yesicelo eyinkimbinkimbi noma enzima.

Ikomidi uhlelo lokusebenza olususelwa ku-Ethereum olusiza ukuboleka nokubolekisa kontanga kuya kontanga. I-Compound ixhuma ngokuzenzakalelayo ababolekisi kubaboleki futhi ilawule ngokuzenzakalelayo imali mboleko isebenzisa izinkontileka ezihlakaniphile.

Lokhu sekuholele ekwandeni kokuthandwa kwento eyaziwa ngokuthi "ukulima kwesivuno", njengoba noma ubani engakwazi ukuboleka izimpahla zakhe ze-crypto futhi azuze inzalo kule nqubo. Ungasebenzisa futhi iCompound ukuze uthumele i-cryptocurrency yakho njengesibambiso futhi uboleke imali ye-fiat ngokumelene nayo.

🔰 Ukushintshana kwezindawo

I-Decentralized Exchange (DEX) isivumela ukuthi sithenge, sidayise futhi sihwebe ngemali ye-crypto endaweni yesikhulumi se-Ethereum. Lokhu ngaphandle kokuthi udlule ku-opharetha wokushintshisana; ngaphandle kwesidingo sokubhaliswa noma ukuqinisekiswa komazisi; futhi azikho izimali zokuhoxiswa kwezimali.

Ngaphezu kwalokho, Shintshanisa amasheya DEX ayidingi idiphozithi yokuqala, ngokungafani nokuhwebelana okumaphakathi. Okwenziwayo kwenziwa ngokuzenzakalelayo, ngemigomo nenqubo eqondiswa izinkontileka ezihlakaniphile.

🔰 Umshwalense ohlukaniselwe izwe

Izinkontileka ezihlakaniphile ohlelweni lwezezimali olusabalalisiwe futhi zenza umshwalense ohlukaniselwe kontanga ukuya kontanga ube khona. Ohlelweni lwezezimali olunwetshiwe, ungakwazi ukuxhumana nanoma ubani emhlabeni wonke ofuna ukuqinisekisa izimpahla zakho.

Ngakolunye uhlangothi, ungaqinisekisa izimpahla zabanye abantu ukuze uthole inkokhelo, ngaphandle kokuthi udlule enkampanini yomshwalense noma i-ejenti.

Konke kwenzeka ngokuzenzakalelayo, nezinkontileka ezihlakaniphile eziqinisekisa a inqubo enobulungiswa, evikelekile nethembekile.

🌿 Liyini ikusasa lezezimali ezisabalalise?

Sibona ukweqa kwe-quantum amathuba amasha okusebenza imali ngokusungula ama-ledger technologies. Ngokokuqala ngqa emlandweni, uhlelo lwezezimali lomhlaba wonke lwabantu bomhlaba esakhiwe yilesi sibalo sabantu.

Noma ubani angakwazi ukubamba iqhaza ekubusweni kwezivumelwano ze-DeFi futhi ahlale etafuleni lapho umhlaba wezimali ezisatshalaliswayo usungulwa khona.

Isikhala se-DeFi siya ngokuya sihambisana nohlelo lwezezimali lwendabuko. Naphezu kwezithiyo ezithile, umhlaba wezezimali ohlukaniswe izifundazwe usendleleni eya ekuchumeni. Ngokuhamba kwesikhathi, kunzima ukubikezela ukuthi lesi sikhala sizoba njani uma amandla okwakha izinsiza zezezimali enziwa intando yeningi.

Kodwa-ke, njenge-DeFI kanye nemephu ye-fintech futhi kuhlanganiswe, sizoba nendawo yokuguquguquka lapho i-fintech esanda kuvela iyingxenye eyodwa yesistimu yezezimali entsha. Lowo oqaphelayo iphupho lokushesha, ukuphepha, ukutholakala nokulingana.