Kubonakala ngathi asikakwazi ukubuyisela ekuweni okukhulu apho siye santywiliselwa ukususela ekuqaleni kwalo nyaka ka-2022. Ibingunyaka onzima kakhulu ukukwazi ukwenza inzuzo ngokuthenga imali ye-cryptocurrensets, ekubeni imeko ye-geopolitical. ayilunganga kwaphela. Kodwa akukho sizathu, kuba iDefi Abaphumli. Siza kubona kolu qeqesho lwe-cryptocurrency ukuba singenza njani na ingeniso ye-cryptocurrensets yethu ngeendlela ezi-3 zokwenza.
1. Imali mboleko yeCryptocurrency (Ukuboleka)
Isicwangciso sokuqala solu qeqesho lwe-cryptocurrency yimali-mboleko ye-cryptocurrency. Yaziwa ngcono njengokuBoleka ngesiNgesi, basivumela ukuba sibeke ii-asethi zethu ze-crypto kwiiplatifti zokuboleka imali ukuze sisebenze njengababoleki ukutshintshiselana ngentlawulo yenzala rhoqo. Iintlawulo kwezi mboleko zingenziwa yonke imihla, ngeveki okanye ngenyanga. Yindlela efanelekileyo yokuvelisa ingeniso ye-passive kwii-asethi zethu ze-crypto kuba kwangaxeshanye sivumela abanye abantu ukuba bafikelele kwimali mboleko ye-cryptocurrency ukwenza izicwangciso zotyalo-mali kwi-Defi. Awona maqonga adumileyo kwi-cryptocurrency Ukuboleka ziprothokholi ezinje Ave o ICompound. Sinokufumana iintlobo ezahlukeneyo zeemali-mboleko ze-crypto:
Ukuthelekisa phakathi kweemali-mboleko zemveli vs mboleko ye-crypto. Umthombo: Gemini.
Iimali-mboleko eziqinisekisiweyo
Iimali-mboleko ze-collateralized zezona zidumileyo. Siya kudinga i-cryptocurrency egciniweyo eya kusetyenziswa njengesibambiso semali-mboleko. Uninzi lwamaqonga lufuna i-overcollateralization, oku kuthetha ukuba ababoleki banokufikelela kuphela kwipesenti ethile yesibambiso esigciniweyo. Idla ngokuba ngaphantsi kwe-90% yexabiso lemali-mboleko. Okukhona usezantsi umlinganiselo wemali-mboleko-kwixabiso (LTV), kokukhona usezantsi inzala. Kananjalo siya kuba nomngcipheko omncinci wokuvalelwa kwemali-mboleko yethu.
Inkcazo yomlinganiselo phakathi kwemali mboleko kunye nexabiso le-asethi. Umthombo: Nexo.
Cryptocurrency Line of Credit
Amanye amaqonga anikezela ngomgca wetyala kwi-cryptocurrencies, endaweni yokubonelela ngemboleko yemveli kunye nexesha elimiselweyo,. Olu luhlobo lwemali mboleko ekhuselekileyo evumela abasebenzisi ukuba baboleke ipesenti ethile yesibambiso esigciniweyo, kodwa akukho migaqo yokubuyisela emiselweyo. Kwelinye icala, abasebenzisi bahlawuliswa inzala kuphela kwiimali ezirhoxisiweyo.
Iimali-mboleko ezingakhuselekanga
Iimali-mboleko ezingakhuselekanga azixhaphakanga kwimfundo ye-cryptocurrency, kodwa zisebenza ngokufanayo kwiimali-mboleko zomntu. Ababoleki kufuneka bagcwalise isicelo semali-mboleko, baphumelele isiqinisekiso sesazisi kwaye bagqibezele uvavanyo lokufaneleka kwetyala ukuze bamkelwe. Ezi mboleko zezona zinomngcipheko omkhulu welahleko kubabolekisi, ngenxa yokuba akukho siqinisekiso sokutshatyalaliswa kwimeko yokungahlawulwa.
Imizekelo yeemali-mboleko ezingakhuselekanga. Umthombo: Mint-Intuit.
Iimali-mboleko zeFlash
Iimali-mboleko ezikhawulezayo zidla ngokufumaneka kutshintshiselwano lwe-cryptocurrency kwaye ziimali-mboleko ngoko nangoko. Oko kukuthi, ii-cryptocurrencies zibolekwa kwaye zibuyiselwe kwintengiselwano efanayo. Ezi mboleko zezona zinomngcipheko kuzo zonke, zihlala zisetyenziselwa ukuthatha amathuba okuthengisa i-arbitrage. Umzekelo ocacileyo uya kuba kukuthengwa kwe-cryptocurrency ngexabiso eliphantsi kwelinye utshintshiselwano olulandelwa ukuthengiswa kwangoko ngexabiso eliphezulu kwelinye utshintshiselwano, konke ngaphakathi kwentengiselwano efanayo.
Ingcaciso yendlela esebenza ngayo imali mboleko. Umthombo: BlockImpulse.
2. Tshixa imali yethu ye-cryptocurrencies kwi-Staking pools
Makhe sibone inketho yesibini esiya kukufundisa ngayo kolu qeqesho lwe-cryptocurrency. I-Staking yeyona ndlela yokhuseleko esetyenziswa yi-blockchains esebenzisa i-PoS (ubungqina beSiteki okanye ubungqina bokuQinisekisa ngesiSpanish), njenge. Ethereum, iAvalanche okanye iSolana. Ngokutshixa iithokheni zethu kwi-blockchain, sinceda ukwenza ezo blockchains zikhuseleke ngakumbi. Ukutshintshana, sifumana ipesenti encinci yamathokheni amatsha avelisiweyo kunye nenxalenye yemali yokuqinisekisa intengiselwano.
Ingcaciso yendlela i-staking esebenza ngayo. Umthombo: Phakathi.
Olu khetho lokuvelisa ingeniso ye-passive inokwenzeka kunye neempawu ze-blockchain ezifana ne-ETH, i-AVAX, i-SOL okanye i-DOT okanye iithokheni zeprotocol ezifana ne-CRV, SUSHI, UNI... Nangona kunjalo, iimpawu zeprotocol azinawo umsebenzi wokukhusela inethiwekhi. Iithokheni zeprotocol zeDefi zibonelela ngenkuthazo kubanini abavala iithokheni zabo ixesha elide kwaye bavumele ukuvota kulawulo lweprotocol. Inzuzo ixhomekeke kwiprotocol, ukusuka kwi-5% kwi-ETH ukuya kwi-13,5% kwi-Polkadot. I-drawback enkulu esinokudibana nayo xa sitshixa iithokheni zethu kwii-staking pools ngamaxesha okutshixa, anokwahluka kwiprotocol ukuya kwenye. Okwangoku, enye yeeprotokholi zeDeFi ezidumileyo zestaking yi lido. Ngokuvala amathokheni kwiqonga labo, sifumana i-staked-token (njenge-stETH), esinokuyisebenzisa kwezinye izicelo ze-DeFi.
Iibhloko ezahlukeneyo zokubeka uLido. Umthombo: Lido.
3. Ukubonelela ngemali yokuhlawula amatyala (LPs)
Makhe sibone ukhetho lwesithathu kunye nolokugqibela lokuvelisa ingeniso yokwenziwa kolu qeqesho lwe-cryptocurrency. Ukubonelela ngemali yokuhlawula amatyala yenye yezona nkqubo zibaluleke kakhulu phakathi kotshintshiselwano lwe-decentralized exchange (DEX) landscape. Ngaphandle kwe-liquidity, i-DEXs kunye neeprothokholi ze-crypto ecosystem azikwazanga ukusebenza. Umboneleli wemali yokuhlawula amatyala, owaziwa ngokuba ngumenzi wemarike, ngumntu obonelela ngeemali zabo ze-cryptocurrency kwiqonga lokunceda ukunabisa amagunya. Ukutshintshiselana, bavuzwa ngeekhomishini eziveliswa ngamashishini kwilo qonga, elinokuthi lithathelwe ingqalelo njengengeniso ye-passive. Kubalulekile ukuqaphela ukuba ii-asethi ezibonelelweyo zitshixiwe kwiqonga ixesha elide njengoko umsebenzisi ethatha isigqibo sokubonelela ngemali.
Singabonelela njani ngemali yokuhlawula amatyala?
Ukuze ubonelele nge-liquidity, iprotocol inokubonakala ngathi yi-odyssey ekuqaleni, kodwa ngokulandela amanyathelo ambalwa alula siya kubona ukuba ilula kangakanani ekugqibeleni:
- Ibini elitsha lamathokheni libhalisiwe kuqala, ngaloo ndlela lidala imarike entsha yaloo mathokheni. Oku kudala ichibi lokungabi namali (eyaziwa ngokuba yi-Liquidity Pool) kwesi sibini somqondiso, apho abasebenzisi banokubonelela ngemali yokuhlawula amatyala.
- Nje ukuba umboneleli we-liquidity (LP) ebonelele nge-liquidity kwisibini, ufumana iithokheni ze-LP ezimele isixa sombane esiboneleleyo.
- Ukusuka apho, xa kwenzeka umsebenzi ohambelana ne-Pool ye-Liquidity ethile, ikhomishini ye-0,3% ihlawuliswa ekusebenzeni kumsebenzisi owenzayo. Ezi khomishini zisasazwa ngokulinganayo phakathi kwabanini beempawu ze-LP ezibonelele nge-liquidity kwi-pool echaphazelekayo.
Ukusetyenziswa kwamachibi ombane. Umthombo: Chainlink.
Enye yeenzuzo ezibonelela ngemali yokuhlawula amatyala kwiiprothokholi zisinika ithuba lokurhoxisa iimali ezifihlakeleyo esithe saba negalelo ngalo nanini na xa sifuna kumanzi ombane. Kwelinye icala, njengoko sesibonile ngaphambili, kumachibi e-Staking ngamanye amaxesha banexesha lokuvula ukusuka kumzuzu esicela ukuvulwa kwamathokheni. Ekugqibeleni, kukho imingcipheko yelahleko engapheliyo (ilahleko engapheliyo eguqulelwe kwisiNgesi). Oku kuthetha ukuba indawo yethu kuluhlu lwemali yokuhlawula amatyala inokwehla okomzuzwana ixabiso ngexesha lokuguquguquka kweemalike, njengoko ibhalansi ye-asethi nganye iguquguquka. Ngale ndlela, ukukhetha amachibi anexabiso eliphezulu lokuhlawula amatyala kuya kunciphisa umngcipheko welahleko engapheliyo. Nangona kunjalo, badla ngokunikezela ngembuyekezo ephantsi.
Ukubalwa kweelahleko ezingapheliyo malunga nokuhluka kwamaxabiso. Umthombo: Finematics.
Izigqibo zolu qeqesho lwe-cryptocurrency
Emva kokuphonononga olu qeqesho lwe-cryptocurrency kwiindlela zokuvelisa ingeniso, sifuna ukukhumbula ukuba kufuneka sibeke iliso elibukhali kwiiprothokholi ezibonelela nge-liquidity okanye sivale imali yethu ye-cryptocurrensets. Omnye wemiba ephambili ekufuneka ithathelwe ingqalelo kukungabinamali kwamachibi apho siza kufaka khona ii-asethi zethu. Imbuyekezo ephezulu inokubonakala imnandi kodwa inobungozi, kuba ezi dama zingasoloko zinemali eyaneleyo yokusivumela ukuba sibhangise iithokheni zethu. Sikwacebisa ukuba xa uza kuvula iithokheni zakho kumachibi e-staking, ngokuxhomekeke kwixesha lokuvula abanalo, uhlalutye igrafu ukuqikelela ixesha elifanelekileyo lokuvula iithokheni zethu ukuze sisebenzise ithuba lokuzivula xa bexabisa. Ungajonga iphepha Ukufumana umvuzo ukufunda ngakumbi malunga ne-blockchain ecosystem enamachibi akhoyo estaking.