安全使用DEFI貸款協議的最終指南

本指南將向您展示使用Defi貸款協議的安全方法，同時保護您的數字資產。

DeFi lending protocols have revolutionized the way people borrow and lend money. These innovative tools, operating outside the traditional banking system, offer users unique opportunities to earn interest on their digital assets or access funds without needing credit checks.

Defi貸款方案徹底改變了人們藉錢和貸款的方式。這些創新的工具在傳統的銀行系統之外運行，為用戶提供了獨特的機會，無需信用檢查就可以贏得其數字資產或訪問資金。

However, with the rise of decentralized finance (DeFi) come new risks that users must be aware of. From losing funds to hacks to market crashes or making poor lending and borrowing decisions, the stakes can be high.

但是，隨著分散融資（DEFI）的興起，用戶必須意識到新的風險。從損失資金到黑客到市場崩潰，或做出不良貸款和借貸決定，股份可能很高。

In 2025, DeFi lending protocols continue to develop rapidly. Platforms like Aave and MakerDAO provide excellent options for earning yield or accessing capital, but they come with risks if not used wisely.

在2025年，Defi貸款方案繼續迅速發展。諸如AAVE和Makerdao之類的平台為賺取收益或獲得資本提供了絕佳的選擇，但如果不明智地使用它們的風險。

This guide will cover the safest ways to use DeFi lending protocols while protecting your digital assets and maximizing returns. Let’s dive in!

本指南將涵蓋使用Defi貸款協議的最安全方法，同時保護您的數字資產並最大程度地提高收益。讓我們潛入！

Understanding DeFi Lending Protocols

了解Defi貸款協議

DeFi lending protocols enable users to borrow or lend digital assets directly using blockchain technology. These protocols operate through smart contracts, eliminating the need for banks, credit bureaus, or other intermediaries to facilitate lending activities.

DEFI借貸協議使用戶可以使用區塊鏈技術直接借入或借入數字資產。這些協議通過智能合約運作，消除了對銀行，信貸局或其他中介機構的需求，以促進貸款活動。

Key Features of DeFi Lending

Defi貸款的關鍵特徵

DeFi lending protocols utilize blockchain technology and smart contracts to remove middlemen from lending and borrowing processes.

Defi Lending協議利用區塊鏈技術和智能合約將中間人從貸款和借貸過程中刪除。

Borrowers can take out loans by providing crypto assets as collateral, which are managed through automated loan-to-value (LTV) ratios set by the protocol.

借款人可以通過提供加密資產作為抵押品來獲得貸款，這些資產是通過協議設定的自動貸款對價值（LTV）比率來管理的。

Lenders can earn passive income with annual percentage yield (APY) by adding funds to liquidity pools on platforms like Aave or Compound.

貸方可以通過在AAVE或COMPOUND等平台上的流動性池中添加資金，並以年度百分比收益率（APY）賺取被動收入。

These platforms also offer flash loans, which are repaid immediately and don’t require any collateral. Moreover, interest rates adjust automatically based on supply and demand within these lending protocols.

這些平台還提供閃光貸款，這些貸款立即償還，不需要任何抵押品。此外，利率會根據這些貸款協議中的供求自動調整。

Another benefit is financial inclusion—anyone with a crypto wallet can access services despite having no credit score or geographical limitations.

另一個好處是金融包容性 - 儘管沒有信用評分或地理限制，但任何帶有加密錢包的人都可以訪問服務。

Comparison: Collateralized vs. Non-Collateralized Loans

比較：抵押與非補償貸款

Both types of loans have distinct features that borrowers and lenders should understand before engaging in DeFi lending protocols. Here’s a comparison:

兩種類型的貸款都有不同的特徵，借款人和貸方在進行Defi貸款協議之前應該理解。這是一個比較：

Collateralized loans are the mainstay of the DeFi lending landscape due to their emphasis on security. Non-collateralized loan options are still emerging and relatively rare, often found in experimental DeFi projects. Each type of loan serves different needs depending on the borrower's profile and the lender's risk tolerance.

抵押貸款是由於強調安全性而導致的貸款景觀的支柱。非補充貸款選擇仍在新興且相對較少的情況下，通常在實驗性偏差項目中發現。每種貸款都可以根據借款人的個人資料和貸方的風險承受能力滿足不同的需求。

Risks Associated with DeFi Lending Protocols

與Defi貸款協議相關的風險

DeFi lending comes with inherent risks that users should be aware of and manage accordingly. These risks include smart contract vulnerabilities, market volatility leading to liquidation, and platform security breaches.

Defi Lending具有固有的風險，用戶應該相應地意識到並進行管理。這些風險包括智能合同漏洞，市場波動導致清算和平台安全漏洞。

Smart Contract Vulnerabilities

智能合同漏洞

Smart contracts form the foundation of decentralized finance (DeFi) lending protocols, but they are not without risks. Issues with coding, bugs, or insufficient testing can render smart contracts vulnerable to attack. In 2022 alone, hackers stole more than $3 billion from DeFi platforms due to smart contract vulnerabilities.

智能合約構成了分散財務（DEFI）貸款方案的基礎，但並非沒有風險。編碼，錯誤或測試不足的問題可能會使智能合約易受攻擊。僅在2022年，由於智能合同漏洞，黑客從Defi平台偷走了超過30億美元。

Even audited smart contracts are not immune to exploits by malicious actors who actively seek out and identify weaknesses in smart contracts to drain liquidity pools or steal coins. Although blockchain technology ensures transparency, it cannot rectify flawed code.

即使是經過審核的智能合同，也不能被惡意演員的剝削能力，他們積極尋求並確定智能合同中的弱點，以排除流動性池或竊取硬幣。儘管區塊鏈技術可確保透明度，但它不能糾正有缺陷的代碼。

Flash loan attacks are a common occurrence where hackers use flash loans to execute arbitrage trades and quickly withdraw large sums from liquidity pools—all within a single transaction. To mitigate this risk, choose platforms that undergo regular third-party audits and have active security monitoring tools in place.

Flash貸款攻擊是常見的情況，即黑客使用Flash貸款執行套利交易，並迅速從流動性池中撤回大筆款項，這是在一次交易中。為了減輕這種風險，請選擇經過常規第三方審核並具有主動安全監控工具的平台。

Market Volatility and Liquidation Risks

市場波動和清算風險

Market swings can lower the value of your crypto collateral quickly, especially during periods of high volatility in cryptocurrencies like Bitcoin or Ethereum. If the collateral falls below the set threshold, automated liquidation kicks in.

市場波動可以迅速降低您的加密貨幣抵押品的價值，尤其是在比特幣或以太坊等加密貨幣高波動性的時期。如果抵押品降至設定的閾值以下，則自動清算將開始使用。

This liquidation serves to protect lenders from default on decentralized finance (DeFi) platforms by ensuring that if a borrower cannot repay their loan, lenders will still recover their principal and accrued interest.

該清算旨在通過確保借款人無法償還其貸款，貸款人仍將收回其本金和應計利息，來保護貸方免受分散融資（DEFI）平台的違約。

However, for borrowers, liquidation can mean losing all the assets they put up as collateral if they fail to react quickly enough.

但是，對於借款人來說，清算可能意味著如果他們無法做出足夠快的反應，則失去了他們作為抵押品的所有資產。

High volatility makes this risk worse—for example, a 20% price drop could trigger immediate liquidation if not enough extra collateral is deposited quickly. To mitigate this danger, keep an eye on market sentiment and maintain a buffer of stable coins in your account.

高波動率會使這種風險更糟 - 例如，如果不夠迅速沉積額外的抵押品，價格下降20％可能會觸發立即清算。為了減輕這種危險，請關注市場情緒，並在您的帳戶中保持穩定硬幣的緩衝。

Platform Security Breaches

平台安全漏洞

Phishing attacks are common among retail investors, targeting users with fake websites that mimic trusted platforms like Aave or MakerDAO. Scammers try to trick people into entering their private keys or sharing wallet details, which could lead to the loss of crypto collateral.

網絡釣魚攻擊在散戶投資者中很常見，以模仿Aave或Makerdao等信任平台的偽造網站的用戶。騙子試圖欺騙人們進入私鑰或共享錢包的細節，這可能導致加密貨幣的損失。

Platforms without proper security audits are usually more vulnerable to breaches and hacks. Reputable firms like CertiK or OpenZeppelin perform audits to test smart contracts for flaws and vulnerabilities.

沒有適當安全審核的平台通常更容易受到違規和黑客攻擊。諸如Certik或Openzeppelin之類的知名公司進行審核，以測試智能合約是否有缺陷和漏洞。

If these checks are missing, it increases the chances of attackers exploiting bugs in decentralized applications (dapps) and stealing coins or assets from liquidity pools. To protect your digital assets, avoid engaging with unauthorized lending protocols and always double-check the URL before connecting your wallet to any dapp.

如果缺少這些檢查，它會增加攻擊者在分散應用程序（DAPP）中利用錯誤並從流動性池中竊取硬幣或資產的機會。為了保護您的數字資產，請避免使用未經授權的貸款協議，並在將錢包連接到任何DAPP之前始終仔細檢查URL。

Key Steps to Use DeFi Lending Protocols Safely

安全使用Defi貸款協議的關鍵步驟

To use DeFi lending protocols safely in 2025, start by choosing platforms

要在2025年安全地使用Defi貸款協議，請首先選擇平台