David Edwards
Chii chinonzi Crypto Kukwereta?
Crypto kukwereta chiito che kuisa cryptocurrency kukwereteswa kune vanokwereta mukutsinhana nekubhadhara mubereko wakadzokororwa. Kubhadhara kunoitwa nenzira ye cryptocurrency, iyo inowanzoiswa uye kusanganiswa zuva rega rega, vhiki yega yega, kana mwedzi wega wega.
Decentralized uye centralized crypto vakweretesi ndiwo mapoka maviri ekutanga emapuratifomu ekukweretesa crypto. Ose ari maviri anopa mukana kune yakakwira mubereko, kazhinji yakakwira se20% pagore muzana yegoho (APY), uye vese vari vaviri vanowanzoda dhipoziti yechibatiso kuitira kuti vawane chikwereti checrypto.
Kunzwisisa Crypto Kukwereta
Mukana wekukweretesa cryptocurrency uye kuwana mubereko muchimiro checryptocurrency incentives inoitwa kuti iwanikwe kuburikidza neiyo cryptocurrency yekukweretesa mapuratifomu e makambani. Muna 2020, mapuratifomu ekukweretesa akawana mukurumbira, uye kubva ipapo, kukosha kwese kwezvikwereti zvakakiyiwa pamapuratifomu akasiyana kwakawedzera kusvika kumabhiriyoni.
Kune zvikamu zviviri zvekukweretesa kwecryptocurrency: madhipoziti ane mubereko uye zvikwereti. Zvakafanana neakaundi yebhangi, maakaundi edhipoziti ane mabasa akafanana. Iyo yekukweretesa chikuva inogamuchira dhipoziti ye cryptocurrency kubva kuvashandisi uye inobhadhara mubereko inosvika 8% APY (zvichienderana nepuratifomu uye cryptocurrency). Mari yakaiswa inogona kushandiswa nepuratifomu kuita zvikwereti kune vanokwereta kana kune mamwe marudzi e upfumi.
Kuti ukweretese mari kana cryptocurrency, vanokwereta vanowanzo fanira kuisa kanenge 100% (uye dzimwe nguva kusvika 150%, zvichienderana nemukweretesi) mu cryptocurrency sechibatiso.
Mari yemubereko inosiyana nepuratifomu uye inoda mubhadharo wepamwedzi, senge nezvikwereti zvechinyakare. Kusiyana nezvikwereti zvakajairika, zvikwereti zvekristptocurrency zvine nguva pfupi semazuva manomwe uye kwenguva yakareba semazuva 180, ine mubereko weawa, saBinance. Vamwe vanokweretesa, seNexo, iyo inopa 0% APR, inopa mutsara usingaperi wechikwereti munzvimbo yavo.
Mhando dzeCrypto Loans
Kune akatiwandei emhando dzekriptocurrency zvikwereti zviripo:
Crypto mutsara wechikwereti
Mamwe masevhisi anopa cryptocurrency mutsetse wechikwereti pane kukwereta yakajairwa ine yakatsanangurwa kureba kwenguva. Vashandisi vanogona kukwereta kusvika pachiyero chakaiswa chechikwereti vachishandisa rudzi urwu rwechikwereti chakabatiswa, asi hapana mazwi akatarwa ekubhadhara, uye vanongobhadhara mubereko pamari yavanobvisa.
Collateralized loans
Collateralized loans ndiwo anonyanya kufarirwa uye anoda deposited cryptocurrency iyo inoshandiswa sechibatiso chechikwereti. Mazhinji emapuratifomu anoda overcollateralization, iyo inoganhura kuti yakawanda sei yevakaiswa collateral vanokwereta vanogona kuwana (kazhinji pasi pe90% chikwereti-ku-value). Mari yemubereko uye mukana wekuti margin yako idanwe zvese zvakadzikisira chikamu chechikwereti-ku-value (LTV).
Flash zvikwereti
Zvikwereti zveFlash zvinowanzowanikwa pakuchinjana kwecrypto uye zvikwereti ipapo zvinokweretwa uye kudzoserwa mukutengeserana kumwe chete. Izvi zvikwereti zvine njodzi zvakanyanya izvo zvinowanzo shandiswa kutora mukana wemusika arbitrage mikana, sekutenga cryptocurrency nemutengo wakaderera pamusika mumwe uye nekukurumidza kutengesa nemutengo uri pamusoro mune imwe, zvese mukati mekutengeserana kwakafanana.
Zvikwereti zvisina kubhadharwa
Zvikwereti zvisingabhadharwi hazvina kufarirwa, asi zvinoshanda zvakafanana kune zvikwereti zvemunhu. Vanokwereta vanofanira kuzadza chikumbiro chechikwereti, kupasa chitupa chekuongorora, uye kuzadzisa wongororo yechikwereti kuti vatenderwe. Zvikwereti izvi zvine njodzi huru yekurasikirwa nevanokweretesa nekuti hapana chibatiso chekubvisa kana chiitiko chechikwereti chikaitika.
Njodzi dzeCrypto Lending
Nekuda kwezvikwereti 'uye mari yakaiswa' kuvimba pamusika unogara usiri we cryptocurrency, kukweretesa munzvimbo ye cryptocurrency kune njodzi kune vese vanokwereta nevakweretesi. Crypto aficionados haina kufara zvakanyanya semhedzisiro yeCelsius fiasco ichangoburwa, izvo zvakakonzera kutonhora kwehusiku kwemabhiriyoni emadhora mumadhipoziti.
Heano mashoma enjodzi dzekukweretesa crypto:
Zvibereko zvepamusoro
Kunyangwe zvimwe zvikwereti zvecrypto zvichipa mitengo yakaderera, zvikwereti zvakawanda zvecrypto zvinochaja pamusoro pe5% APR, neimwe ichichaja kusvika 13% APR (kana kupfuura).
Kusabvumirana
Crypto assets inowanzoita isingawanike uye illiquid kana yaiswa pa crypto loan masevhisi. Nepo mamwe masevhisi ekukweretesa ecryptocurrency achibvumira vanokweretesa kuwana mari dzakaiswa zvine mutsindo nekukurumidza, vamwe vanogona kudikanwa kwenguva yakareba yekumirira.
Margin anofona
Kudzikira kwehukoshi hwechibatiso chakaiswa kunogona kukonzera kufona kwemahara apo vatengi vanovimbisa chibatiso uye kukwereta kwairi. Kana LTV yechikwereti checryptocurrency ichidonha pasi peyero yakabvumiranwa, izvi zvinoitika. Kana izvi zvikaitika, vanokwereta vane sarudzo mbiri: vanogona kuwedzera chimwe chibatiso kuti vadzose LTV pasi kana kuti vanogona kuisa pangozi kuvharwa.
Unregated
Mapuratifomu ekukweretesa kwecrypto haana kudzorwa uye haape iwo nhanho yekudzivirira iyo mabhangi anoita. Semuyenzaniso, mari yemushandisi inosvika pachiyero ichocho inochengetedzwa kana bhanga rikabhuroka sezvo mari dzebhangi reU.S. dzakaiswa inishuwarenzi neFederal Deposit Insurance Corporation (FDIC) kusvika pamadhora mazana maviri nemakumi mashanu ezviuru pamutengi. Iko hakuna dziviriro yevashandisi yemapuratifomu ekukweretesa kwekristptocurrency ane matambudziko ekugadzirisa, uye mari inogona kurasika.
Maitiro ekutora Crypto Chikwereti
Vashandisi vanofanirwa kunyoresa kune yepakati yekukweretesa chikuva (seBlockFi) kana kubatanidza chikwama chedhijitari kune yakasarudzika yekukweretesa chikuva kuitira kuti vatumire chikumbiro chechikwereti checryptocurrency (seAave). Vashandisi vanozotevera kusarudza rudzi rwechikwereti uye mari yechikwereti yaunoda vasati vasarudza chibvumirano chekuisa. Mari iripo ichachinja zvichienderana nechibvumirano uye dhipoziti.
Mari yakakweretwa inokurumidza kuenda kuaccount yemushandisi kana chikwama chedhijitari mushure mekunge mushandisi aisa chibatiso muchikwama chedhijitari chepuratifomu.
Ruzhinji rwezvikwereti zvinopa mvumo yekukurumidza, uye zvibvumirano zvakanaka anoshandiswa kuvhara mumamiriro echikwereti.
Nzira yekukweretesa Crypto
Vashandisi vanofanirwa kunyoresa papuratifomu yekukweretesa, sarudza inotsigirwa cryptocurrency yekuisa, wobva wabhadhara mari kupuratifomu kuitira kuti uve mukweretesi wecrypto. Mubereko unogona kubhadharwa mumhando kana neiyo yemuno papuratifomu tokeni pane yepakati crypto inokweretesa chikuva. Mbereko inobhadharwa neimwe nzira pakuchinjana kwakadzikama, asi panogona kunge paine mubhadharo webhonasi.
Crypto Kukwereta Kwakachengeteka here?
Kukweretesa cryptocurrency bakatwa rinocheka nekwose. Kune rimwe divi, zvikwereti zvizhinji zvinochengetedzwa nechibatiso, saka kunyangwe kana iri yekutadza, vanokweretesa vanogona kudzoreredza kurasikirwa kwavo kuburikidza nekuvharirwa. Mukuenzanisa nemaakaundi emubhangi akajairwa, ivo vanopawo madhipoziti pamari yemubereko yakakura. Nekune rimwe divi, hapana kuchengetedzwa kwemutemo kune vanoisa mari, zvichipa makambani anokweretesa mvumo yekuvharisa mari dzevatengi munzvimbo, sezvakaitwa neCelsius. Vanokwereta vanomhanyisa njodzi yekurasikirwa kwechibatiso uye kubviswa, izvo zvinozokonzera kudzoka kudiki pakudyara kwavo. Vatongi vanobva kumativi ese enyika vari kutarisa pamapuratifomu ekukweretesa; mitemo iri kubuda yakatenderedza dhipoziti maakaundi, uye Securities and Exchange Commission (SEC) yakatobhadharisa BlockFi $100 miriyoni yekutyora mitemo yezvibatiso. Pakupedzisira, kukweretesa kwekrispto kunogona kuchengetedzeka kune vanongwarira vashandisi, asi vese vanokwereta uye vanoisa mari vanotarisana nenjodzi huru.
Chii chinonzi Decentralized Finance (DeFi) Kukwereta?
Ipuratifomu inopa kukweretesa uye masevhisi ekukwereta ayo anodzorwa neakangwara makondirakiti anozivikanwa se decentralized finance (DeFi) kukweretesa. Decentralized apps (dApps) inogonesa vatengi kubatanidza chikwama chedhijitari, dhipoziti chibatiso, uye nekukasira kuwana mari. Zvikwereti zveDeFi zvinobva ipapo. Kukwereta kweDeFi kunoita kuti vatengi vakwanise kuisa cryptocurrency vachishandisa chikwama chedhijitari uye votanga kuwana mubereko ipapo, nemubereko wacho unowanzo wedzera miniti yega yega. Iyo yakawanda yeDeFi yekukweretesa mapuratifomu anorayira overcollateralization, inoda madhipoziti angangoita 110% yemari yechikwereti. Iyo dhipoziti yechibatiso inowana mari kunyangwe yakasungirirwa kuchikwereti, ndiko kuti DeFi inosiyana sei nepakati masisitimu.
Iwe Unoita Sei Mari Ne Crypto Kukwereta?
Vashandisi vanogona kuwana mari yakawanda yemubereko pamadhipoziti avo e-crypto pavanenge vaagadzira papuratifomu yekukweretesa, kazhinji kupfuura zvavanogona kumabhangi enguva dzose. Mari inoiswa inokweretwa kune vanokwereta vanovhara chikamu chemubereko, uye inogona zvakare kuiswa mune dzimwe nzira dzekuwedzera goho.
