DeFi：金融的未来

在金融领域最具革命性的创新中，DeFi 是最有前途的创新之一。 DeFi，即去中心化金融，利用区块链技术

DeFi, short for decentralized finance, is revolutionizing the financial landscape by leveraging blockchain technology to eliminate intermediaries like banks and empower users with direct, peer-to-peer access to financial transactions. This user-centric approach, where individuals have complete control over their assets and decision-making, mirrors the strategic gameplay in blackjack or blackjack online.

DeFi 是去中心化金融的缩写，它利用区块链技术消除银行等中介机构，并让用户能够直接、点对点地访问金融交易，从而彻底改变金融格局。这种以用户为中心的方法，个人可以完全控制自己的资产和决策，反映了二十一点或在线二十一点的战略游戏玩法。

Much like how players navigate a system of rules and probabilities in blackjack, DeFi users are equipped to customize their financial experiences to suit their unique needs and aspirations. Transparency and immutability are at the core of DeFi, promoting global financial inclusion and putting users in full command of their financial destiny.

就像玩家在二十一点中驾驭规则和概率系统一样，DeFi 用户可以定制他们的金融体验，以满足他们独特的需求和愿望。透明度和不可篡改是 DeFi 的核心，促进全球金融普惠，让用户完全掌控自己的金融命运。

In contrast to traditional finance, which heavily relies on centralized institutions, DeFi operates through decentralized applications (dApps) and smart contracts. These smart contracts, essentially programmable agreements, are automatically executed when predefined conditions are met, ensuring seamless and trustless transactions.

与严重依赖中心化机构的传统金融相比，DeFi 通过去中心化应用程序（dApp）和智能合约来运作。这些智能合约本质上是可编程协议，在满足预定义条件时自动执行，确保无缝且无需信任的交易。

Just as players in blackjack online employ strategy to make informed decisions and optimize their chances of winning, DeFi empowers users with granular control over their assets, fostering inclusivity and efficiency within the system.

正如在线二十一点玩家采用策略做出明智决策并优化获胜机会一样，DeFi 使用户能够对其资产进行精细控制，从而促进系统内的包容性和效率。

DeFi is not merely a trend but a paradigm that’s redefining the way things happen in financial systems. It represents a new future that will bring about an entirely different era where people situated in any place and holding any status find easy access to financial opportunities previously not possible.

DeFi 不仅是一种趋势，而且是一种范式，正在重新定义金融系统中事物发生的方式。它代表了一个新的未来，将带来一个完全不同的时代，无论身处任何地方、持有任何身份的人们都可以轻松获得以前不可能的金融机会。

The Evolution of Finance: Traditional Finance vs. DeFi

金融的演变：传统金融 vs. DeFi

Traditional finance works around central institutions, which include banks, stock exchanges, and payment processors. These centralized bodies are used to intermediate transactions and act as control points for the handling of users’ funds with their respective fees.

传统金融围绕中央机构运作，包括银行、证券交易所和支付处理机构。这些中心化机构用于中介交易，并充当处理用户资金及其各自费用的控制点。

However, traditional finance has some limitations. High fees, restricted access, and lack of transparency often deter participation, especially in underserved regions. Moreover, inefficiencies and vulnerabilities to corruption and mismanagement often characterize centralized systems.

然而，传统金融有一些局限性。高额费用、限制访问和缺乏透明度往往阻碍参与，特别是在服务欠缺的地区。此外，中心化系统往往存在效率低下、容易腐败和管理不善等问题。

DeFi addresses all those issues by utilizing blockchain. It eliminates intermediaries through code, thus allowing a direct transaction between users. This thus is decentralized, and so will the cost be cheap since no intermediaries. As a result, financial services can be availed to everybody irrespective of the location once Internet connectivity is available.

DeFi 通过利用区块链解决所有这些问题。它通过代码消除了中间人，从而允许用户之间直接进行交易。因此，这是去中心化的，由于没有中介机构，成本会很便宜。因此，一旦互联网连接可用，无论身在何处，每个人都可以使用金融服务。

DeFi isn’t merely a technological advancement over old finance. It has emerged to be a step for making financial systems more accessible and inclusive, fairer and self-governing, and in this way, making for a more equitable future.

DeFi 不仅仅是对旧金融的技术进步。它已成为使金融体系更加便利、更具包容性、更加公平和自治的一步，从而创造一个更加公平的未来。

Key Components of DeFi

DeFi 的关键组成部分

DeFi consists of several core components working in unison to form a decentralized ecosystem:

DeFi 由几个协同工作的核心组件组成，形成一个去中心化的生态系统：

Core Features and Benefits of DeFi

DeFi 的核心特征和优势

DeFi stands out for its unique features and benefits:

DeFi 因其独特的功能和优势而脱颖而出：

Common Use Cases of DeFi

DeFi 的常见用例

DeFi comprises a diverse set of applications that emulate and augment the traditional finance services:

DeFi 包含一组模拟和增强传统金融服务的多样化应用程序：

How DeFi Works: A Simplified Guide

DeFi 的运作方式：简化指南

Although the mechanisms of DeFi seem so complex, the understanding of the basic concepts demystifies the process. The essence is that DeFi substitutes the intermediaries in a traditional financial system with smart contracts. Now, here’s a simplified breakdown:

尽管 DeFi 的机制看起来如此复杂，但理解基本概念就可以揭开这个过程的神秘面纱。本质上，DeFi 用智能合约替代了传统金融体系中的中介机构。现在，这是一个简化的细分：

Risks and Challenges in DeFi

DeFi 的风险与挑战

DeFi has numerous advantages but also risks which users need to be aware of:

DeFi 具有众多优势，但也存在用户需要注意的风险：

DeFi vs. Centralized Finance (CeFi)

DeFi 与中心化金融（CeFi）

DeFi and Centralized Finance, or CeFi, are two distinct streams of financial services.

DeFi 和中心化金融（CeFi）是两种不同的金融服务流。

The Role of DeFi in Financial Inclusion (Continued)

DeFi 在普惠金融中的作用（续）

This is a new level of inclusion. People do not need credit histories or local banking infrastructure to access global financial systems. DeFi allows entrepreneurs in remote areas to raise funds, make payments, or even insure their assets.

这是包容性的新水平。人们不需要信用记录或当地银行基础设施来访问全球金融系统。 DeFi 允许偏远地区的企业家筹集资金、进行支付，甚至为他们的资产提供保险。

This openness breeds trust in areas where there is high corruption within finance. The transactions are not only immutable but publicly verifiable with DeFi, so they cannot be easily exploited by governments or other middlemen. There is a lot more than an advantage in terms of democratizing finance as this transforms an opportunity for millions worldwide.

这种开放性在金融腐败严重的领域培养了信任。这些交易不仅是不可变的，而且可以通过 DeFi 公开验证，因此它们不能轻易被政府或其他中间人利用。金融民主化不仅具有优势，还为全球数百万人带来了机遇。

The Future of DeFi

DeFi 的未来

Indeed, the potential of DeFi to change the landscape of finance is enormous. Because blockchain technology is advancing rapidly, DeFi applications are becoming scalable, efficient, and friendly to use. Innovations such as Layer 2 solutions and interoperability between blockchains will further increase the accessibility and functionality of DeFi platforms.

事实上，DeFi 改变金融格局的潜力是巨大的。由于区块链技术正在快速发展，DeFi 应用程序正在变得可扩展、高效且易于使用。 Layer 2 解决方案和区块链之间的互操作性等创新将进一步提高 DeFi 平台的可访问性和功能性。

This can revolutionize risk assessment, investment strategies, and personalized financial services through integrating AI and ML into DeFi. For instance, the analytics produced by AI might be capable of more accurately identifying lucrative opportunities or even forecasting market trends in comparison to their human counterparts.

通过将人工智能和机器学习集成到 DeFi 中，这可以彻底改变风险评估、投资策略和个性化金融服务。例如，与人类同行相比，人工智能产生的分析可能能够更准确地识别利润丰厚的机会，甚至预测市场趋势。

However, it is also very much dependent on future regulatory developments. Though regulatory clarity will be an important step toward mass adoption, over-restrictive rules will kill innovation. Regulation and decentralization are going to balance each other in DeFi’s future.

然而，这也很大程度上取决于未来的监管发展。尽管监管的明确性将是迈向大规模采用的重要一步，但过度限制的规则将扼杀创新。监管和去中心化将在 DeFi 的未来相互平衡。

Tips for Beginners: How to Get Started with DeFi

给初学者的建议：如何开始使用 DeFi

If you’re new to DeFi, your steps may seem very scary initially. Here are some real-life tips to get you up and running with DeFi:

如果你是 DeFi 新手，你的步骤一开始可能看起来非常可怕。以下是一些帮助您启动并运行 DeFi 的现实生活技巧：

Addressing Common Misconceptions About DeFi

解决关于 DeFi 的常见误解

DeFi, despite its popularity, is often misunderstood. Let’s debunk some common myths:

尽管 DeFi 很受欢迎，但它经常被误解。让我们揭穿一些常见的神话：

While platforms for DeFi

虽然 DeFi 平台