Ubucuruzi DeFi: Uburyo bwo Kwishura Blockchain Bizongerera Umuhengeri Ukurikira wa Crypto

Na Carter Razink ya Imari idasanzwe

Ntabwo ari ibanga ko imari yegerejwe abaturage (DeFi) yabaye umusemburo munini muri crypto, itanga inzira yo kuguriza kumurongo, kuguriza, no gucuruza. Nyamara gukoresha ibintu bifatika, burimunsi - nko kugura ibiribwa cyangwa kwishyura ubukode - biracyoroshye.

Injira Ubucuruzi DeFi : ihuriro ryimari yegerejwe abaturage nubucuruzi nyabwo. Muguhuza ibiceri bitajegajega, kwishura byihuse, hamwe na sisitemu yubudahemuka, Ubucuruzi DeFi ifite amahirwe yo guhinduka inzira ikurura abantu babarirwa muri za miriyari mubukungu bwa Web3 - nkukuntu e-ubucuruzi bwatumye abantu benshi bakoresha interineti mugihe cya Web2.

Kuva Mubuhinzi Bwiza Kugura Ikawa Yawe Yigitondo

Gakondo DeFi yibanze kubucuruzi bwurunigi, ibidengeri byamazi, numusaruro. Mugihe cyimpinduramatwara, iyi porogaramu ahanini yagumye muruziga. Ubucuruzi DeFi yongerera udushya kugirango dukemure ibibazo nyabyo byisi muburyo bwo kwishyura, ubudahemuka, no kuguriza kubacuruzi nabaguzi. Tekereza nka "DeFi kubucuruzi bukuru": gukemura icyuho kiri hagati yisi ya crypto nibikorwa bya buri munsi.

Mu buryo bumwe e-ubucuruzi bwamamaye kuri interineti mu buryo bwo kujya guhaha, Ubucuruzi DeFi bugamije gukora crypto ingirakamaro mu bikorwa bya buri munsi . Haba kubika hoteri, kugura ikawa, cyangwa kwishyura abigenga ku isi yose, Ubucuruzi DeFi irashaka kwigana ubworoherane bwa Web2 hamwe n’ibikorwa byo kwegereza ubuyobozi abaturage Web3.

Kuzamuka kwa Stablecoins nkamafaranga ya Digital

Intandaro yubucuruzi DeFi ni stabilcoin - ikimenyetso gishingiye kumurongo uhuza umutungo uhamye nkidolari rya Amerika. Bitandukanye na Bitcoin cyangwa ETH, ibiciro byayo bishobora guhinduka cyane, ibiceri bikomeza imbaraga zo kugura bihoraho, bigatuma biba byiza mubikorwa bisanzwe. Umucuruzi wishyuza amadorari 50 ntashaka kurangiza amadorari 40 mugihe ibiciro bya crypto bigabanutse bukeye, kandi umuguzi ntashaka kwishyura cyane niba ibiciro byazamutse.

Stablecoins ikora nk'amafaranga ya digitale , ikomatanya uburyo bwo kohereza ako kanya kwisi yose hamwe no kumenyera ifaranga rya fiat. Amaduka yo muri Arijantine arashobora kwakira amadolari y’Amerika y’amadolari adafite ikibazo cy’imihindagurikire y’ifaranga ryaho, mu gihe umukiriya w’Amerika ashobora kwishyura nta nkomyi, yirinda amafaranga y’insinga mpuzamahanga. Ku nshuro yambere, kwishyurwa gushingiye kumurongo bifite igice gihamye cya konti ubucuruzi nabakiriya bashobora kwishingikiriza.

Ni ikihe kibi hamwe na sisitemu yo kwishyura gakondo?

Visa na Mastercard byafunguye inzira yo gukoresha inguzanyo no gukoresha inguzanyo, nyamara sisitemu zabo ntizigeze zihinduka kuva mu myaka ya za 70. Kwoza ikarita bitera abahuza benshi - abaguzi, imiyoboro yamakarita, gutanga amabanki - bose bafata icyemezo. Abacuruzi barangiza bakishyura 2-4% + kuri buri gikorwa ugereranije, kandi ibyo nta kongeraho amafaranga yambukiranya imipaka.

Ongeraho gutinda kwishyurwa (akenshi umunsi umwe cyangwa ibiri wakazi kugirango wishyure amakarita, ndetse birebire no kohereza mpuzamahanga), ukabona sisitemu yunvikana mugihe cyibisabwa byose.

Blockchain ishingiye ku kwishura ikemura ibyo bidakorwa neza murungano rwawe, isi yose, kandi itabifitiye uburenganzira:

• Abunzi Bake = Amafaranga yo hasi: Ntamuguzi utandukanye, umuyoboro wamakarita, cyangwa banki itanga. Ihererekanyabubasha rya stabilcoin akenshi rigura amafaranga, utitaye ku bunini bwubucuruzi.
• Gukemura ako kanya: Amafaranga arahagera kandi arakoreshwa mumasegonda, ntabwo ari iminsi.
• Gufungura kwinjira: Umuntu wese ufite interineti arashobora gushiraho ikariso. Ibi ni binini mu bihugu aho amabanki gakondo ari make cyangwa ahenze.

Tokenizing Attention: Memecoins & Ingingo Zubudahemuka

Ubucuruzi DeFi ntabwo ari amafaranga gusa - ni no kwerekana ibimenyetso byabaguzi . Muri Web2, ubucuruzi bwakoresheje cyane amatangazo yo gutwara abakiriya. Muri Web3, ibirango bishobora gutanga ibimenyetso byubudahemuka cyangwa kwakira ibimenyetso biterwa nabaturage (nka memecoins) kugirango bikurura abaguzi. Memecoins irashobora gukora nka on-ramp: abantu bayifata bashishikajwe no kuyikoresha niba abacuruzi babyemeye, cyane cyane iyo memecoin ifungura igitabo gishya cyabayeho. Hagati aho, ingingo zishingiye ku budahemuka ingingo ziragaragara, ziracuruzwa, kandi zikoreshwa mubafatanyabikorwa.

Iyo amafaranga no kwitabwaho byombi byerekanwe, tubona uburyo bwo kwikuramo imbaraga: abakiriya bagura kugirango babone ibimenyetso, ibimenyetso birema ibicuruzwa, kandi abadandaza bunguka imiyoboro itaziguye - nta miyoboro yamamaza ikenewe.

Igihe gito: Kurera hakiri kare

Kuri ubu, stabilcoins zimaze gukurura ubwishyu bwambukiranya imipaka. Abaterankunga ku masoko akura barashobora guhitamo ibiceri bihamye kuruta banki zaho cyangwa PayPal, kubera ko amafaranga ari make kandi kohereza byihuse. Abacuruzi benshi bayobora ibicuruzwa byagerageje kwemeza crypto, mubisanzwe bahindura crypto kuri fiat mu buryo bwikora kugirango badahura nihindagurika.

Muri iki cyiciro kigufi, koroshya gukoresha no kugenzura nibibazo bikomeye. Ikariso ya Crypto iracyari ingorabahizi kuruta amakarita yinguzanyo. Amabwiriza nayo aratemba; ibihugu bimwe byakira crypto mugihe ibindi bigabanya. Nubwo bimeze bityo, icyifuzo cyo kwishyura bihendutse, byihuse ni rusange, bityo imbaraga zirakomeza.

Igihe giciriritse: Gukura Abacuruzi Kugura-Muri

Mugihe imikoreshereze ya stabilcoin ikura kandi ibikorwa byo guhagarika ibikorwa byihuta kandi bihendutse binyuze mubikorwa remezo byiza (nka Layeri 2 ibisubizo), abadandaza benshi bazabona inyungu zubucuruzi bwa DeFi. Sisitemu yo kugurisha irashobora guhuza kwemererwa gutezimbere bitemewe, bigafasha ubucuruzi kwirinda 2-4% + yikarita. E-ubucuruzi bwambukiranya imipaka buzaba umwe mubatsinze kurusha abandi, kureka abaguzi kwisi bakishyura muri stabilcoin mugihe abadandaza batuye mumafaranga bifuza.

Hagati aho, ibimenyetso byerekana ubudahemuka bizabona imbaraga. Abantu barashobora kubona ibimenyetso byerekana ibicuruzwa byose, bigacungurwa murusobe rwabafatanyabikorwa. Kuberako ubudahemuka bwerekana ubucuruzi kumasoko afunguye, bifite agaciro nyako - byongerera imbaraga abaguzi guhitamo abacuruzi bamwe kurenza abandi. Uku kwakirwa mu gihe giciriritse bizaterwa imbaraga no kunoza imikoreshereze y’abakoresha, bigatuma ubwishyu bwa crypto bwumva nta nkomyi nka Apple Pay.

Igihe kirekire: Ubucuruzi bukuru

Mu myaka icumi, Ubucuruzi DeFi bushobora kuba hose nkamakarita yinguzanyo muri iki gihe. Amabanki gakondo cyangwa abacuruzi ubwabo barashobora gutanga ibiceri byabo bwite cyangwa kubihuza kugirango bikemuke vuba, mugihe abadandaza kwisi barashobora gukoresha uburyo bwabo bwo kwishura. Imiyoboro ya gari ya moshi izegerezwa abaturage, nyamara uburambe bwabakoresha bushobora gukurwaho - abaguzi barashobora kwishyura binyuze muri porogaramu ihisha ibintu bigoye.

Kuri iki cyiciro, imari nubucuruzi byahujwe byuzuye kumurongo , bituma ubucuruzi bwikora bwikora. Tekereza utanga isoko ahita ahembwa mugihe amakuru yoherejwe yemeza ko yatanzwe, cyangwa moderi yo kwiyandikisha aho wishyura kumunota kumurimo wa interineti muri stabilcoins. Amafaranga ashobora gutegurwa hamwe nubudahemuka bwa porogaramu birashobora guha imbaraga imishinga mishya yubucuruzi bidashoboka gusa kumurongo wa banki yo mu kinyejana cya 20.

Inzitizi n'impamvu zitazahagarika imiraba

Amabwiriza ni ikarita nini nini. Guverinoma zirashaka kurinda umuguzi, gucunga inshingano z’imisoro, no gukumira ibikorwa bitemewe. Abatanga Stablecoin bagomba kwerekana ko bafite ububiko bukomeye. Nyamara, uko ubucuruzi bugenda bwiyongera, abagenzuzi bamenya inyungu zubukungu bwigitabo kibonerana hamwe n’amadolari yizewe. Igisubizo gishobora kuba uburyo bunoze bwo kubahiriza amategeko, ntabwo ari ukubuza burundu - cyane cyane ku isi aho guverinoma nkuru zikeneye ibiceri bigamije kugura umwenda wigenga.

Uburambe bwabakoresha buracyari indi mbogamizi. Abantu benshi baracyamenyereye aderesi ya aderesi nurufunguzo rwihariye. Ariko, porogaramu nyinshi zifasha gukoresha kripto zirimo gukuramo jargon, kuburyo abakoresha bashobora kutamenya ko bakoresha blocain inyuma. Niba inyungu-amafaranga make, ubwishyu bwihuse, nyirubwite nyayo yibimenyetso byubudahemuka - birasobanutse, abakoresha bazahuza nkuko babiguze kugura kumurongo muntangiriro ya 2000.

Ingaruka ya E-Ubucuruzi

Ubucuruzi DeFi iri munzira yo kuba umwicanyi porogaramu itera crypto kuva niche yibitekerezo kugeza mubikorwa bya buri munsi. Nkuko e-ubucuruzi bwakorewe kuri Web2, burashobora kuzana abantu babarirwa muri za miriyari kumurongo wa Web3 mugukora umutungo wa digitale ntangarugero mubikorwa bisanzwe. Stablecoins itanga agaciro gahamye hamwe nuburyo bugaragara kwisi yose ikenewe kugirango isimbuze inzira zishaje zishaje, mugihe ubudahemuka hamwe na memecoins birashobora kwishyuza abakoresha uburyo bwo guhemba ibikorwa muburyo bushimishije, bufatika.

Nubwo ibibazo bikomeje - kutamenya neza amategeko, uburambe bwabakoresha, uburezi bwabacuruzi - inzira yifatizo irasobanutse : uko imiyoboro ya blocain igenda itera imbere kandi igiceri gihamye kikaba cyizewe, ibikorwa bya crypto bigenda byegereza inzira nyamukuru. Mugihe abaguzi basanzwe bashobora kugura ibiribwa cyangwa kwishyura fagitire ako kanya hamwe numufuka wa digitale, ushyigikiwe nibimenyetso bihamye, bizwi kwisi yose, tuzamenya Ubucuruzi DeFi bwageze. Niba kandi e-ubucuruzi yatwigishije ikintu icyo aricyo cyose, ni uko abakiriya bamaze kubona inzira yoroshye, ihendutse, kandi ihebuje yo guhana, kurera bikurikira byihuse.

About Carter Razink

Carter numuyobozi numuhanga mubuhanga ufite imyaka 8+ muri Web2 na Web3, uhuza ubumenyi bwubuhanga bwimbitse hamwe no kwihangira imirimo. Nkuwahoze ari umwe mu bashinze DropChain hamwe n’ibicuruzwa bigezweho muri Spree, yateje imbere udushya muri tokenomics, igishushanyo mbonera cya protocole, hamwe n’ubuhanga bwa blocain. Umunyeshuri urangije ubushakashatsi bwa National Science Foundation yahindutse rwiyemezamirimo udasanzwe, Carter ahuza icyerekezo nubuhanga bwagaragaye kugirango ahindure ejo hazaza Imari idasanzwe .

Ibyerekeye Imari Yihuse

Spree ni igisekuru kizaza mubucuruzi no guhemba urubuga rushoboza abantu nabakozi ba AI gukoresha bidasubirwaho gukoresha crypto kubicuruzwa bya buri munsi, serivisi, hamwe nubunararibonye bwihariye - duhereye ku ngendo no guhagarikwa. Spree ikomatanya kwishura, ubudahemuka, no gutera inkunga muburyo bumwe bwa Web2 hamwe na Web3 igisubizo. Hamwe no kugera kubacuruzi barenga 2M Web2 hamwe numuyoboro ugenda wiyongera kuburambe bugororotse, Spree yorohereza ubucuruzi mugihe ufungura kuzigama, ibihembo, hamwe n "amahirwe-adashobora-kugura".

Kurikiza Spree: https://x.com/spreefinance