引領去中心化金融革命的 6 大 DeFi 協議

去中心化金融（DeFi）透過提供傳統銀行和金融服務的去中心化替代方案，正在徹底改變金融領域。 DeFi 利用區塊鏈技術消除中介機構、提高透明度並提供創新的金融產品。

Decentralized Finance (DeFi) has emerged as a revolutionary force in the financial sector, offering a decentralized alternative to traditional banking and financial services. By leveraging blockchain technology, DeFi aims to disintermediate finance, enhance transparency, and introduce innovative financial products.

去中心化金融（DeFi）已成為金融領域的革命力量，為傳統銀行和金融服務提供了去中心化的替代方案。透過利用區塊鏈技術，DeFi 旨在實現金融脫媒、提高透明度並推出創新金融產品。

In this article, we'll explore the top 6 DeFi protocols that are leading the charge, not only offering novel functionalities but also promising enhanced transparency and security. Get ready to delve into the world of autonomous financial systems that empower users like never before.

在本文中，我們將探討領先的 6 種 DeFi 協議，它們不僅提供新穎的功能，而且有望增強透明度和安全性。準備好深入探索自治金融系統的世界，以前所未有的方式為使用者提供支援。

Understanding DeFi

了解 DeFi

DeFi refers to a suite of financial services built on blockchain technology, primarily on Ethereum. These services include lending, borrowing, trading, and investing, all conducted without intermediaries like banks. Key principles of DeFi include decentralization, transparency, and accessibility.

DeFi 是指基於區塊鏈技術（主要是以太坊）構建的一套金融服務。這些服務包括借貸、交易和投資，所有這些服務都無需銀行等中介機構進行。 DeFi 的關鍵原則包括去中心化、透明性和可訪問性。

Traditional finance (CeFi) relies on centralized institutions to manage and execute financial transactions. In contrast, DeFi operates on decentralized networks, allowing peer-to-peer transactions and self-custody of assets. This eliminates the need for trust in intermediaries and reduces costs.

傳統金融（CeFi）依賴中心化機構來管理和執行金融交易。相比之下，DeFi 在去中心化網路上運行，允許點對點交易和資產的自我託管。這消除了對中介機構的信任並降低了成本。

DeFi offers numerous benefits such as increased access to financial services, lower costs, enhanced security through cryptographic protocols, and innovation in financial products. However, it also faces challenges including regulatory uncertainty, security vulnerabilities, and the complexity of use.

DeFi 提供了許多好處，例如增加金融服務的取得、降低成本、透過加密協議增強安全性以及金融產品的創新。然而，它也面臨著監管不確定性、安全漏洞和使用複雜性等挑戰。

Understanding the leading DeFi protocols becomes more effective when traders use tools like GPT Definity Ai to connect with educational experts.

當交易者使用 GPT Definity Ai 等工具與教育專家聯繫時，了解領先的 DeFi 協議會變得更加有效。

6 Leading DeFi Protocols

6 個領先的 DeFi 協議

DeFi protocols are the building blocks of the DeFi ecosystem, providing the infrastructure for various financial services. These DeFi protocols leverage smart contracts to automate transactions and ensure transparency. The leading protocols in DeFi have distinguished themselves through innovation, user adoption, and security.

DeFi 協定是 DeFi 生態系統的建構模組，為各種金融服務提供基礎設施。這些 DeFi 協議利用智能合約來自動化交易並確保透明度。 DeFi 領域的領先協議透過創新、用戶採用和安全性而脫穎而出。

Leading protocols are determined based on their total value locked (TVL), user base, transaction volume, and unique features. Let’s delve into some of the most prominent DeFi protocols.

領先的協議是根據其總鎖定價值 (TVL)、用戶群、交易量和獨特功能來確定的。讓我們深入研究一些最著名的 DeFi 協議。

1. Uniswap

1.Uniswap

Uniswap, founded in 2018 by Hayden Adams, is a decentralized exchange (DEX) protocol. It allows users to trade Ethereum-based tokens directly from their wallets without relying on an intermediary.

Uniswap 由 Hayden Adams 於 2018 年創立，是一個去中心化交易所（DEX）協議。它允許用戶直接從錢包交易基於以太坊的代幣，而無需依賴中介。

Uniswap uses an automated market maker (AMM) model, where users provide liquidity to pools in exchange for a share of the trading fees. This model replaces traditional order books with liquidity pools, facilitating seamless token swaps.

Uniswap 使用自動做市商 (AMM) 模型，用戶向資金池提供流動性以換取部分交易費用。該模型用流動性池取代了傳統的訂單簿，促進了無縫代幣互換。

Key Features and Advantages

主要特點和優勢

Uniswap is widely used for trading Ethereum-based tokens, liquidity mining, and decentralized financial applications. Its ease of use and accessibility have made it a popular choice among DeFi enthusiasts.

Uniswap 廣泛用於基於以太坊的代幣交易、流動性挖礦和去中心化金融應用。其易用性和可訪問性使其成為 DeFi 愛好者的熱門選擇。

2. Aave

2. 幽靈

Aave, initially launched as ETHLend in 2017, is a decentralized lending protocol. It allows users to lend and borrow various cryptocurrencies in a trustless manner.

Aave 最初於 2017 年推出，名為 ETHLend，是一種去中心化借貸協議。它允許用戶以去信任的方式借出和借入各種加密貨幣。

Aave users deposit their assets into liquidity pools to earn interest. Borrowers can then take out loans from these pools by providing collateral. The protocol uses over-collateralization to secure loans.

Aave 用戶將資產存入流動性池以賺取利息。然後，借款人可以透過提供抵押品從這些資金池中獲取貸款。該協議使用超額抵押來獲得貸款。

Key Features and Advantages

主要特點和優勢

Aave is used for earning interest on idle assets, borrowing against crypto holdings, and leveraging flash loans for arbitrage and other advanced trading strategies.

Aave 用於賺取閒置資產利息、以加密資產為抵押進行借貸，以及利用閃電貸進行套利和其他高級交易策略。

3. Compound

3. 複合

Compound, founded in 2018, is a decentralized money market protocol. It enables users to lend and borrow cryptocurrencies without the need for intermediaries.

Compound 成立於 2018 年，是一個去中心化的貨幣市場協議。它使用戶能夠借出和借入加密貨幣，而無需中介機構。

Users supply assets to liquidity pools and earn interest based on the demand for borrowing. Borrowers provide collateral to secure loans. Interest rates are algorithmically adjusted based on supply and demand.

用戶向流動性池提供資產，並根據借貸需求賺取利息。借款人提供抵押品以獲取貸款。利率根據供給和需求透過演算法進行調整。

Key Features and Advantages

主要特點和優勢

Compound is utilized for earning passive income on crypto holdings, borrowing funds for trading or other uses, and participating in governance decisions through COMP tokens.

複合用於透過持有加密貨幣賺取被動收入、借入資金用於交易或其他用途，以及透過 COMP 代幣參與治理決策。

4. MakerDAO

4.MakerDAO

MakerDAO, founded in 2015, is a decentralized credit platform. It enables the creation of DAI, a stablecoin pegged to the US dollar, through collateralized debt positions (CDPs).

MakerDAO 成立於 2015 年，是一個去中心化信用平台。它可以透過債務抵押頭寸（CDP）創建 DAI，這是一種與美元掛鉤的穩定幣。

Users lock up collateral (typically Ethereum) in smart contracts to generate DAI. If the value of the collateral falls below a certain threshold, the position is liquidated to maintain the peg.

使用者在智能合約中鎖定抵押品（通常是以太坊）來產生 DAI。如果抵押品的價值低於某個閾值，則該頭寸將被清算以維持掛鉤。

Key Features and Advantages

主要特點和優勢

MakerDAO is widely used for generating stablecoins, hedging against volatility, and accessing liquidity without selling crypto assets.

MakerDAO 廣泛用於產生穩定幣、對沖波動性以及在不出售加密資產的情況下獲取流動性。

5. Synthetix

5.合成

Synthetix, launched in 2018, is a decentralized protocol for creating and trading synthetic assets. These assets can represent real-world assets like commodities, fiat currencies, and stocks.

Synthetix 於 2018 年推出，是一種用於創建和交易合成資產的去中心化協議。這些資產可以代表現實世界的資產，如商品、法定貨幣和股票。

Users mint synthetic assets (Synths) by locking up SNX tokens as collateral. Synths track the value of real-world assets and can be traded on the Synthetix Exchange.

使用者透過鎖定 SNX 代幣作為抵押品來鑄造合成資產（Synths）。 Synth 追蹤現實世界資產的價值，可以在 Synthetix 交易所進行交易。

Key Features and Advantages

主要特點和優勢

Synthetix is used for trading synthetic assets, gaining exposure to real-world assets without owning them, and earning staking rewards.

Synthetix 用於交易合成資產，在不擁有現實世界資產的情況下獲得這些資產的敞口，並獲得質押獎勵。

6. Curve Finance

6.曲線金融

Curve Finance, launched in 2020, is a decentralized exchange optimized for stablecoin trading. It offers low slippage and low fees for trading stablecoins and similar assets.

Curve Finance於2020年推出，是一家針對穩定幣交易優化的去中心化交易所。它為穩定幣和類似資產的交易提供低滑點和低費用。

Curve uses an automated market maker (AMM) model tailored for stablecoin pools

Curve 使用專為穩定幣池量身定制的自動做市商 (AMM) 模型