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加密貨幣新聞文章

2024 年 DeFi 借貸協議統計數據：市場份額、用戶成長和安全見解

2024/12/21 05:41

想像這樣一個世界：借貸可以在幾分鐘內完成，無需銀行、信用檢查或堆積如山的文書工作。這就是去中心化金融（DeFi）的承諾，特別是在藉貸協議中，數位資產可以完全透過區塊鏈技術出借、借入甚至利用。

DeFi Lending Protocols Statistics 2024: Market Share, User Growth, and Security Insights

2024 年 DeFi 借貸協議統計數據：市場份額、用戶成長和安全見解

Updated · Dec 20, 2024

更新 · 2024 年 12 月 20 日

Barry Elad is a dedicated tech and finance enthusiast, passionate about making technology and fintech…... | See full bio

Barry Elad 是一位專注的技術和金融愛好者，熱衷於製造技術和金融科技… |查看完整的履歷

Editor

編輯

Kathleen Kinder, Senior Editor at CoinLaw, brings over 8 years of experience in the research…... | See full bio

Kathleen Kinder，CoinLaw 的高級編輯，擁有超過 8 年的研究經驗… |查看完整的履歷

Imagine a world where borrowing and lending could happen in minutes, without banks, credit checks, or a mountain of paperwork. That’s the promise of Decentralized Finance (DeFi), particularly in lending protocols, where digital assets can be lent, borrowed, and even leveraged entirely through blockchain technology. Since its rise, DeFi has reshaped traditional finance, and 2024 is a pivotal year. With the market’s impressive growth, numerous platforms now compete for dominance, offering enticing interest rates and improved security. For investors and enthusiasts, the numbers tell an incredible story, showing how DeFi lending continues to transform the financial landscape. Let’s dive into the data that’s redefining the lending industry.

想像這樣一個世界：借貸可以在幾分鐘內完成，無需銀行、信用檢查或堆積如山的文書工作。這就是去中心化金融（DeFi）的承諾，特別是在藉貸協議中，數位資產可以完全透過區塊鏈技術出借、借入甚至利用。 DeFi興起以來，重塑了傳統金融，2024年是關鍵的一年。隨著市場的驚人成長，許多平台現在爭奪主導地位，提供誘人的利率和更高的安全性。對於投資者和愛好者來說，這些數字講述了一個令人難以置信的故事，展示了 DeFi 借貸如何繼續改變金融格局。讓我們深入研究正在重新定義貸款行業的數據。

Editor’s Choice: Key Milestones in DeFi Lending

編輯推薦：DeFi 借貸的關鍵里程碑

Total Value Locked (TVL) in DeFi Lending Protocols

DeFi 借貸協議中的總鎖定價值 (TVL)

Leading DeFi Lending Platforms by Market Share

按市佔率排名的領先 DeFi 借貸平台

User Adoption and Growth Metrics

用戶採用率和成長指標

Interest Rates and Yield Trends

利率和收益率趨勢

Security Incidents and Risk Assessments

安全事件和風險評估

The Role of Oracles: Traditional Oracle-Reliant Protocols and Emerging Oracle-Free Protocols

預言機的角色：傳統的依賴預言機的協議和新興的無預言機協議

Data Availability and Recency in DeFi Lending

DeFi 借貸中的數據可用性和新近度

Comparing DeFi Lending to Traditional Peer-to-Peer Lending Platforms

DeFi 借貸與傳統 P2P 借貸平台的比較

DeFi Liquidations and Market Dynamics

DeFi 清算與市場動態

Regulatory Developments and Compliance

監管發展和合規性

Integration with Traditional Financial Systems

與傳統金融系統集成

Recent Developments

最新動態

Conclusion

結論

As DeFi continues its transformative journey into mainstream finance, lending protocols play a pivotal role. With rising TVL, diverse platforms, and evolving compliance standards, DeFi lending has matured into a robust and competitive landscape in 2024. Enhanced security measures, transparent data, and cross-chain integrations are setting new standards for growth and user confidence. Regulatory frameworks, while challenging, provide a path toward greater trust, making DeFi lending more accessible to institutional investors and everyday users alike. As DeFi aligns more closely with traditional finance, it is clear that decentralized lending protocols are not just an alternative but a powerful complement to conventional systems. The rapid innovations and solid growth metrics suggest a promising future, one where DeFi lending might reshape finance on a global scale.

隨著 DeFi 繼續向主流金融轉型，貸款協議發揮關鍵作用。隨著TVL 的不斷上升、平台的多樣化和合規標準的不斷發展，DeFi 借貸已在2024 年成熟為一個強大且競爭激烈的格局。和使用者信心設定新的標準。監管框架雖然具有挑戰性，但提供了一條增強信任的途徑，使機構投資者和日常用戶更容易獲得 DeFi 貸款。隨著 DeFi 與傳統金融更加緊密地結合，很明顯，去中心化借貸協議不僅是傳統系統的替代方案，而且是傳統系統的有力補充。快速的創新和穩健的成長指標預示著一個充滿希望的未來，DeFi 貸款可能會在全球重塑金融業。

Sources

來源

Barry Elad is a dedicated tech and finance enthusiast, passionate about making technology and fintech concepts accessible to everyone. He specializes in collecting key statistics and breaking down complex information, focusing on the benefits that software and financial tools bring to everyday life. Figuring out how software works and sharing its value with users is his favorite pastime. When he’s not analyzing apps or programs, Barry enjoys creating healthy recipes, practicing yoga, meditating, and spending time in nature with his child. His mission is to simplify finance and tech insights to help people make informed decisions.

Barry Elad 是一位專注的科技和金融愛好者，熱衷於讓每個人都能接觸到科技和金融科技概念。他擅長收集關鍵統計數據和分解複雜訊息，專注於軟體和金融工具為日常生活帶來的好處。弄清楚軟體如何運作並與用戶分享其價值是他最喜歡的消遣。當巴里不分析應用程式或程式時，他喜歡創建健康食譜、練習瑜伽、冥想以及與孩子一起在大自然中度過時光。他的使命是簡化財務和技術見解，幫助人們做出明智的決策。