安全使用DEFI贷款协议的最终指南

本指南将向您展示使用Defi贷款协议的安全方法，同时保护您的数字资产。

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贷款方案彻底改变了人们借钱和贷款的方式。这些创新的工具在传统的银行系统之外运行，为用户提供了独特的机会，无需信用检查就可以赢得其数字资产或访问资金。

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，随着分散融资（DEFI）的兴起，用户必须意识到新的风险。从损失资金到黑客到市场崩溃，或做出不良贷款和借贷决定，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贷款方案继续迅速发展。诸如AAVE和Makerdao之类的平台为赚取收益或获得资本提供了绝佳的选择，但如果不明智地使用它们的风险。

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

本指南将涵盖使用Defi贷款协议的最安全方法，同时保护您的数字资产并最大程度地提高收益。让我们潜入！

Understanding DeFi Lending Protocols

了解Defi贷款协议

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借贷协议使用户可以使用区块链技术直接借入或借入数字资产。这些协议通过智能合约运作，消除了对银行，信贷局或其他中介机构的需求，以促进贷款活动。

Key Features of DeFi Lending

Defi贷款的关键特征

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

Defi Lending协议利用区块链技术和智能合约将中间人从贷款和借贷过程中删除。

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.

借款人可以通过提供加密资产作为抵押品来获得贷款，这些资产是通过协议设定的自动贷款对价值（LTV）比率来管理的。

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

贷方可以通过在AAVE或COMPOUND等平台上的流动性池中添加资金，并以年度百分比收益率（APY）赚取被动收入。

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.

这些平台还提供闪光贷款，这些贷款立即偿还，不需要任何抵押品。此外，利率会根据这些贷款协议中的供求自动调整。

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

另一个好处是金融包容性 - 尽管没有信用评分或地理限制，但任何带有加密钱包的人都可以访问服务。

Comparison: Collateralized vs. Non-Collateralized Loans

比较：抵押与非补偿贷款

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

两种类型的贷款都有不同的特征，借款人和贷方在进行Defi贷款协议之前应该理解。这是一个比较：

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.

抵押贷款是由于强调安全性而导致的贷款景观的支柱。非补充贷款选择仍在新兴且相对较少的情况下，通常在实验性偏差项目中发现。每种贷款都可以根据借款人的个人资料和贷方的风险承受能力满足不同的需求。

Risks Associated with DeFi Lending Protocols

与Defi贷款协议相关的风险

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具有固有的风险，用户应该相应地意识到并进行管理。这些风险包括智能合同漏洞，市场波动导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.

智能合约构成了分散财务（DEFI）贷款方案的基础，但并非没有风险。编码，错误或测试不足的问题可能会使智能合约易受攻击。仅在2022年，由于智能合同漏洞，黑客从Defi平台偷走了超过30亿美元。

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.

即使是经过审核的智能合同，也不能被恶意演员的剥削能力，他们积极寻求并确定智能合同中的弱点，以排除流动性池或窃取硬币。尽管区块链技术可确保透明度，但它不能纠正有缺陷的代码。

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贷款攻击是常见的情况，即黑客使用Flash贷款执行套利交易，并迅速从流动性池中撤回大笔款项，这是在一次交易中。为了减轻这种风险，请选择经过常规第三方审核并具有主动安全监控工具的平台。

Market Volatility and Liquidation Risks

市场波动和清算风险

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.

市场波动可以迅速降低您的加密货币抵押品的价值，尤其是在比特币或以太坊等加密货币高波动性的时期。如果抵押品降至设定的阈值以下，则自动清算将开始使用。

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.

该清算旨在通过确保借款人无法偿还其贷款，贷款人仍将收回其本金和应计利息，来保护贷方免受分散融资（DEFI）平台的违约。

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

但是，对于借款人来说，清算可能意味着如果他们无法做出足够快的反应，则失去了他们作为抵押品的所有资产。

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.

高波动率会使这种风险更糟 - 例如，如果不够迅速沉积额外的抵押品，价格下降20％可能会触发立即清算。为了减轻这种危险，请关注市场情绪，并在您的帐户中保持稳定硬币的缓冲。

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.

网络钓鱼攻击在散户投资者中很常见，以模仿Aave或Makerdao等信任平台的伪造网站的用户。骗子试图欺骗人们进入私钥或共享钱包的细节，这可能导致加密货币的损失。

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.

没有适当安全审核的平台通常更容易受到违规和黑客攻击。诸如Certik或Openzeppelin之类的知名公司进行审核，以测试智能合约是否有缺陷和漏洞。

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.

如果缺少这些检查，它会增加攻击者在分散应用程序（DAPP）中利用错误并从流动性池中窃取硬币或资产的机会。为了保护您的数字资产，请避免使用未经授权的贷款协议，并在将钱包连接到任何DAPP之前始终仔细检查URL。

Key Steps to Use DeFi Lending Protocols Safely

安全使用Defi贷款协议的关键步骤

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

要在2025年安全地使用Defi贷款协议，请首先选择平台