2024 年 DeFi 借贷协议统计数据：市场份额、用户增长和安全见解

想象一下这样一个世界：借贷可以在几分钟内完成，无需银行、信用检查或堆积如山的文书工作。这就是去中心化金融（DeFi）的承诺，特别是在借贷协议中，数字资产可以完全通过区块链技术出借、借入甚至利用。

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

2024 年 DeFi 借贷协议统计数据：市场份额、用户增长和安全见解

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 是一位专注的技术和金融爱好者，热衷于制造技术和金融科技…… |查看完整的简历

Editor

编辑

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

Kathleen Kinder，CoinLaw 的高级编辑，拥有超过 8 年的研究经验…… |查看完整的简历

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.

想象一下这样一个世界：借贷可以在几分钟内完成，无需银行、信用检查或堆积如山的文书工作。这就是去中心化金融（DeFi）的承诺，特别是在借贷协议中，数字资产可以完全通过区块链技术出借、借入甚至利用。 DeFi兴起以来，重塑了传统金融，2024年是关键的一年。随着市场的惊人增长，众多平台现在争夺主导地位，提供诱人的利率和更高的安全性。对于投资者和爱好者来说，这些数字讲述了一个令人难以置信的故事，展示了 DeFi 借贷如何继续改变金融格局。让我们深入研究正在重新定义贷款行业的数据。

Editor’s Choice: Key Milestones in DeFi Lending

编辑推荐：DeFi 借贷的关键里程碑

Total Value Locked (TVL) in DeFi Lending Protocols

DeFi 借贷协议中的总锁定价值 (TVL)

Leading DeFi Lending Platforms by Market Share

按市场份额排名的领先 DeFi 借贷平台

User Adoption and Growth Metrics

用户采用率和增长指标

Interest Rates and Yield Trends

利率和收益率趋势

Security Incidents and Risk Assessments

安全事件和风险评估

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

预言机的作用：传统的依赖预言机的协议和新兴的无预言机协议

Data Availability and Recency in DeFi Lending

DeFi 借贷中的数据可用性和新近度

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

DeFi 借贷与传统 P2P 借贷平台的比较

DeFi Liquidations and Market Dynamics

DeFi 清算和市场动态

Regulatory Developments and Compliance

监管发展和合规性

Integration with Traditional Financial Systems

与传统金融系统集成

Recent Developments

最新动态

Conclusion

结论

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.

随着 DeFi 继续向主流金融转型，贷款协议发挥着关键作用。随着 TVL 的不断上升、平台的多样化和合规标准的不断发展，DeFi 借贷已在 2024 年成熟为一个强大且竞争激烈的格局。增强的安全措施、透明的数据和跨链集成正在为增长和用户信心设定新的标准。监管框架虽然具有挑战性，但提供了一条增强信任的途径，使机构投资者和日常用户更容易获得 DeFi 贷款。随着 DeFi 与传统金融更加紧密地结合，很明显，去中心化借贷协议不仅是传统系统的替代方案，而且是传统系统的有力补充。快速的创新和稳健的增长指标预示着一个充满希望的未来，DeFi 贷款可能会在全球范围内重塑金融业。

Sources

来源

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 是一位专注的技术和金融爱好者，热衷于让每个人都能接触到技术和金融科技概念。他擅长收集关键统计数据和分解复杂信息，重点关注软件和金融工具给日常生活带来的好处。弄清楚软件如何工作并与用户分享其价值是他最喜欢的消遣。当巴里不分析应用程序或程序时，他喜欢创建健康食谱、练习瑜伽、冥想以及与孩子一起在大自然中度过时光。他的使命是简化财务和技术见解，帮助人们做出明智的决策。

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