引领去中心化金融革命的 6 大 DeFi 协议

去中心化金融（DeFi）通过提供传统银行和金融服务的去中心化替代方案，正在彻底改变金融业。 DeFi 利用区块链技术消除中介机构、提高透明度并提供创新的金融产品。

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）已成为金融领域的革命力量，为传统银行和金融服务提供了去中心化的替代方案。通过利用区块链技术，DeFi 旨在实现金融脱媒、提高透明度并推出创新金融产品。

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，我们将探讨领先的 6 种 DeFi 协议，它们不仅提供新颖的功能，而且有望增强透明度和安全性。准备好深入探索自治金融系统的世界，以前所未有的方式为用户提供支持。

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 是指基于区块链技术（主要是以太坊）构建的一套金融服务。这些服务包括借贷、交易和投资，所有这些服务都无需银行等中介机构进行。 DeFi 的关键原则包括去中心化、透明性和可访问性。

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.

传统金融（CeFi）依赖中心化机构来管理和执行金融交易。相比之下，DeFi 在去中心化网络上运行，允许点对点交易和资产的自我托管。这消除了对中介机构的信任并降低了成本。

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 提供了许多好处，例如增加金融服务的获取、降低成本、通过加密协议增强安全性以及金融产品的创新。然而，它也面临着监管不确定性、安全漏洞和使用复杂性等挑战。

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

当交易者使用 GPT Definity Ai 等工具与教育专家联系时，了解领先的 DeFi 协议会变得更加有效。

6 Leading DeFi Protocols

6 个领先的 DeFi 协议

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 协议是 DeFi 生态系统的构建模块，为各种金融服务提供基础设施。这些 DeFi 协议利用智能合约来自动化交易并确保透明度。 DeFi 领域的领先协议通过创新、用户采用和安全性而脱颖而出。

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.

领先的协议是根据其总锁定价值 (TVL)、用户群、交易量和独特功能来确定的。让我们深入研究一些最著名的 DeFi 协议。

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 于 2018 年创立，是一个去中心化交易所（DEX）协议。它允许用户直接从钱包交易基于以太坊的代币，而无需依赖中介。

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 使用自动做市商 (AMM) 模型，用户向资金池提供流动性以换取一部分交易费用。该模型用流动性池取代了传统的订单簿，促进了无缝代币互换。

Key Features and Advantages

主要特点和优势

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 广泛用于基于以太坊的代币交易、流动性挖矿和去中心化金融应用。其易用性和可访问性使其成为 DeFi 爱好者的热门选择。

2. Aave

2. 幽灵

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 最初于 2017 年推出，名为 ETHLend，是一种去中心化借贷协议。它允许用户以去信任的方式借出和借入各种加密货币。

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 用户将资产存入流动性池以赚取利息。然后，借款人可以通过提供抵押品从这些资金池中获取贷款。该协议使用超额抵押来获得贷款。

Key Features and Advantages

主要特点和优势

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 用于赚取闲置资产利息、以加密资产为抵押进行借贷，以及利用闪电贷进行套利和其他高级交易策略。

3. Compound

3. 复合

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

Compound 成立于 2018 年，是一个去中心化的货币市场协议。它使用户能够借出和借入加密货币，而无需中介机构。

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.

用户向流动性池提供资产，并根据借贷需求赚取利息。借款人提供抵押品以获取贷款。利率根据供给和需求通过算法进行调整。

Key Features and Advantages

主要特点和优势

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.

复合用于通过持有加密货币赚取被动收入、借入资金用于交易或其他用途，以及通过 COMP 代币参与治理决策。

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 成立于 2015 年，是一个去中心化信用平台。它可以通过债务抵押头寸（CDP）创建 DAI，这是一种与美元挂钩的稳定币。

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.

用户在智能合约中锁定抵押品（通常是以太坊）来生成 DAI。如果抵押品的价值低于某个阈值，则该头寸将被清算以维持挂钩。

Key Features and Advantages

主要特点和优势

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

MakerDAO 广泛用于生成稳定币、对冲波动性以及在不出售加密资产的情况下获取流动性。

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 于 2018 年推出，是一种用于创建和交易合成资产的去中心化协议。这些资产可以代表现实世界的资产，如商品、法定货币和股票。

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.

用户通过锁定 SNX 代币作为抵押品来铸造合成资产（Synths）。 Synth 跟踪现实世界资产的价值，可以在 Synthetix 交易所进行交易。

Key Features and Advantages

主要特点和优势

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

Synthetix 用于交易合成资产，在不拥有现实世界资产的情况下获得这些资产的敞口，并获得质押奖励。

6. Curve Finance

6.曲线金融

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于2020年推出，是一家针对稳定币交易优化的去中心化交易所。它为稳定币和类似资产的交易提供低滑点和低费用。

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

Curve 使用专为稳定币池量身定制的自动做市商 (AMM) 模型