Yintoni i-Decentralized Finance?

I-DeFi sisishunqulelo semali yokwabela amagunya, kwaye ligama eliqhelekileyo leenkonzo zezemali zontanga kwi-blockchains zikawonkewonke (ikakhulu iBitcoin ne-Ethereum).

I-DeFi imele i-"Decentralized Finance", eyaziwa ngokuba yi-"Open Finance" [1] .Yindibaniselwano ye-cryptocurrencies emelwe yiBitcoin kunye ne-Ethereum, i-blockchain kunye nezivumelwano ezihlakaniphile.NgeDeFi, unokwenza uninzi lwezinto ezixhaswa ziibhanki-fumana inzala, uboleke imali, uthenge i-inshurensi, izinto eziphuma kurhwebo, ii-asethi zorhwebo, nokunye-kwaye wenze ngokukhawuleza kakhulu kwaye ngaphandle kwamaphepha okanye amaqela esithathu.Njenge-cryptocurrencies ngokubanzi, i-DeFi isemhlabeni jikelele, i-peer-to-peer (ithetha ngokuthe ngqo phakathi kwabantu ababini, kunokuba ihanjiswe ngenkqubo ephakathi), i-pseudonymous, kwaye ivuleleke kubo bonke.

Uncedo lweDeFi luloluhlobo lulandelayo:

1. Ukuhlangabezana neemfuno zamaqela athile, ukuze adlale indima efanayo neyemali yemveli.

Isitshixo se-DeFi esifunekayo kukuba ebomini bokwenene kukho abantu abafuna ukulawula iimpahla zabo kunye neenkonzo zemali.Ngenxa yokuba i-DeFi i-intermediary-free, ayinamvume kwaye iselubala, inokwanelisa ngokupheleleyo umnqweno wala maqela ukulawula impahla yawo.

2. Yidlalise ngokupheleleyo indima yenkonzo yokugcinwa kwengxowa-mali, ngaloo ndlela ibe sisincedisi kwimali yemveli.

Kwisangqa semali, kukho iimeko apho utshintshiselwano kunye nezikhwama zibaleka, okanye imali kunye neengqekembe ziyanyamalala.Isizathu esisisiseko kukuba isangqa semali ayinazo iinkonzo zokugcina ingxowa-mali, kodwa okwangoku, zimbalwa iibhanki zemveli ezikulungeleyo ukwenza oko okanye zibe nobuganga bokubonelela ngayo.Ke ngoko, ishishini lokusingatha i-DeFi ngendlela ye-DAO linokuphononongwa kwaye liphuhliswe, kwaye emva koko libe luncedo kwinkxaso-mali yemveli.

3. Ihlabathi leDeFi kunye nehlabathi langempela likhona ngokuzimeleyo.

I-DeFi ayifuni naziphi na iziqinisekiso okanye ibonelele naluphi na ulwazi.Ngelo xesha, iimali-mboleko zabasebenzisi kunye ne-mortgages kwi-DeFi ayiyi kuba nayiphi na impembelelo kwi-credit yabasebenzisi kwihlabathi lenene, kubandakanywa imali mboleko yezindlu kunye nemboleko yabathengi.

yintoni inzuzo?

Vula: Akukho mfuneko yokuba wenze isicelo sayo nantoni na okanye “uvule” iakhawunti.Kufuneka nje wenze i-wallet ukuze ufikelele kuyo.

Ukungaziwa: Omabini amaqela asebenzisa i-DeFi transactions (ukuboleka kunye nokuboleka) anokugqiba ngokuthe ngqo ukuthengiselana, kwaye zonke izivumelwano kunye neenkcukacha zokuthengiselana zirekhodwa kwi-blockchain (kwi-chain), kwaye olu lwazi lunzima ukubonwa okanye lufunyenwe ngumntu wesithathu.

I-Flexible: Ungazihambisa izinto zakho nanini na, naphi na ngaphandle kokucela imvume, ulinde udluliselo olude ukuba lugqitywe, kwaye uhlawule iimali ezibizayo.

Ukukhawuleza: Amaxabiso kunye nemivuzo ihlaziywa rhoqo kwaye ngokukhawuleza (ngokukhawuleza njengemizuzwana ye-15), iindleko eziphantsi zokuseta kunye nexesha lokuguqula.

Ukungafihlisi: Wonke umntu obandakanyekayo unokubona uluhlu olupheleleyo lwentengiselwano (olu hlobo lokufihlwa alufane lubonelelwe ziinkampani zabucala), kwaye akukho mntu wesithathu unokumisa inkqubo yokuboleka.

Ingaba isebenza kanjani?

Abasebenzisi ngokuqhelekileyo bathatha inxaxheba kwi-DeFi ngokusebenzisa isofthiwe ebizwa ngokuba yi-dapps ("izicelo ezinikezelweyo"), uninzi lwazo olusebenza ngoku kwi-blockchain ye-Ethereum.Ngokungafaniyo neebhanki zemveli, akukho zicelo zokuzalisa okanye ukuvula iiakhawunti.

Ziziphi izinto ezingeloncedo?

Amaxabiso aguquguqukayo entengiselwano kwi-blockchain ye-Ethereum ithetha ukuba ukuthengiselana okusebenzayo kunokubiza.

Ngokuxhomekeke kwi-dapp oyisebenzisayo kunye nendlela oyisebenzisa ngayo, utyalo-mali lwakho lunokufumana ukuguquguquka okuphezulu - obu buchwephesha obutsha emva kwayo yonke into.

Ngeenjongo zerhafu, kufuneka ugcine iirekhodi zakho.Imimiselo inokwahluka ngokwengingqi.