Me pēhea te hanga i tētahi Taupānga UX-First DeFi: Te Pūranga Hangarau Whakawhanake me te Aratohu Utu

Ko te mākete DeFi, he uara kei $ 238.54 piriona i te tau 2026, kei te anga whakamua ki te eke ki te $770.56 piriona i te tau 2031, i te CAGR 26.43%.
Puna: Mordor Intelligence

Kei te tipu haere te mākete piriona tāra, engari kei te arai tonu te tipu me te whakamahinga o te ao whānui. Ahakoa te tapeke o ngā kaipupuri moni matihiko kua eke ki te 757.19 miriona i te tau 2026, he maha ngā kaiwhakamahi kāore i te mōhio ki a DeFi me Web3.

Ahakoa kua pai ake te mōhiotanga ki te DeFi, kei te mau tonu te wero matua. Ehara i te kounga o te hua engari ko ngā āhuatanga taupatupatu, tae atu ki:

• Utu Gas
• Nga Maharahara Haumarutanga
• Ngā Whakawhitiwhitinga Pōturi
• Te Uauatanga o te Piriti

Ehara i te mea he rahunga kawa, he raruraru āheinga DeFi rānei ēnei. Kei roto tonu ngā raruraru i te paparanga i waenga i te kaiwhakamahi me te kawa.

Kāore i tino angitu te whakahekenga i ngā utu penehīni ki te tata ki te kore. Nā te whakahoutanga o Dencun i whakaheke ngā utu i tana whakahekenga i ngā utu L2 toharite tae atu ki te 99%. Kāore anō kia whakamahia whānuitia nā te mea ehara i te utu te arai engari ko te ariā. Ko te kaiwhakamahi ehara i te tangata whenua, ko te kaiwhakamahi tukutuku2 rānei e tūtaki ana ki tētahi tohu penehīni, ehara i te mea ko te whakaaro "ka nui te utu o te tauwhitinga mā te penehīni" engari kāore hoki e tino mārama he aha te mea me te aha ka puta mēnā ka hē ia. Kei te noho tonu tēnei whakapoauau i te $0.001, pērā i te $10.

"He mākete me ngā rau piriona kei roto i te whakapaipai kua raka, ā, kāore he hua ka taea e te hunga ehara i te tangata whenua crypto te whakamahi pai."

He whai wāhitanga tēnei āputa ka taea te iriti mā te mahi tahi me tētahi kamupene whakawhanake DeFi matua.

Ngā Pakitara UX e Rima e Ārai ana i te 500M o ngā Kaiwhakamahi DeFi Pea

Neke atu i te 757 miriona ngā kaipupuri moni matihiko puta noa i te ao. Heoi, ko te toharite o ngā kaiwhakamahi DeFi ia marama kei te $2 ki te $3 miriona. Ko te rerekētanga o ngā kaiwhakamahi neke atu i te 500M ko te hunga e whakamahi ana i te moni matihiko engari kāore e whakamahi kaha ana i te DeFi e tohu ana i te mākete e taea te aro atu mō ia kaihanga taupānga DeFi e pānui ana i tēnei. 

Mā ēnei arai hanganga UX e rima e whakamārama he aha i mau tonu ai taua āputa.

1. Te Waku o te Pēke Moni me te Manukanuka o te Kupu Pūtake

Ko te taunekeneke DeFi tuatahi mō te nuinga o ngā kaiwhakamahi ka tīmata mā te waihanga pēke moni, he mea tino uaua tonu, he mea whakamate hoki. E tumanakohia ana kia 

• tuhia he kupu purapura
• mārama ki ngā kī tūmataiti
• Ā, whakaae ki te kawenga tiaki whaiaro katoa, kāore he kōwhiringa whakahoki mai.

Ki ngā kaiwhakamahi moni matihiko mātau, he herekoretanga tēnei. Ki ngā tauhou, he rite ki te hikoi i runga i te taura me te kore he kupenga haumaru. 

Ko ngā tūāpapa DeFi kua whakakapi i tēnei ki ngā putea tāmau me te takiuru pāpori (Google, X, īmēra) e whakaatu ana i te tere ake o te wā ki te hoko tuatahi tae atu ki te 35% me te 2X o ngā kaiwhakamahi e whakaoti ana i tētahi tauwhitinga i roto i ngā haora 24. Ka noho tēnei hei akoranga nui mā ngā umanga e whakamahere ana i tā rātou whakawhanaketanga DeFi.

2. Ngā Utu Penehīni hei Ārai Ariā

E ai ki te kōrero i runga ake nei, ehara i te mea ko te utu anake te raruraru o te penehīni. Ka whakaurua mai he ariā tauhou i te wā tino kino rawa atu ina ngana ana te kaiwhakamahi ki te mahi i tētahi mea kua whakatauhia e rātou. Ahakoa $0.001, ka pakaru te tauira hinengaro o te kaiwhakamahi i tētahi tohu whakaū penehīni. Ko ia taunekeneke penehīni e hono ana ki ēnei pūwāhi waku noa:

• Ko te hiahiatanga mō te pūtea, te tohu taketake rānei i mua i te mahi tuatahi
• He whakaaetanga whakamataku, he kōrero whakatūpato hangarau nui rānei e whakaaro ana he matatau ki te moni matihiko
• Ka puta te koretake i te whakatau tata i ngā utu, nā te mea ka rerekē ngā utu hau i runga i te nohonga o te whatunga.

Kāore ngā utu iti e whakakore i ngā uauatanga. Ko te whakarāpopototanga anake e whakakore, ā, koia te take e tūtohutia ai mō te hunga e whakamahere ana i tā rātou whakawhanaketanga taupānga DeFi. 

He nui ngā raraunga tūturu e whakaatu ana kua tino whakaitihia te uaua o ngā kaiwhakamahi e te whakarāpopototanga mekameka me te arataki e hangai ana ki te kaupapa, ā, kua tino whakanuia ake ngā rahinga tauwhitinga puta noa i ngā tono kore-pūnaha. I kī a Orbs ka whakapai ake te hoahoa e hangai ana ki te kaupapa i te hokohoko DeFi.

3. Te Wehewehenga o ngā Mekameka Maha

I te tau 2026, he mahi DeFi noa, pērā i te neke i ngā rawa kua whakaritea mai i tētahi kawa ki tētahi atu puta noa i ngā mekameka:

• e pā ana ki te iti rawa e whā ngā atanga motuhake
• me aroturuki ā-ringa ngā whatunga i ia taahiraa
• ka whakaatuhia ngā kaiwhakamahi ki ngā wāhitau kirimana mata me ngā tono whakaaetanga

Kotahi te kōwhiringa whatunga hē ka puta te mataku, ā, he rerekē ki te whakawhiti putea, kāore he whakahokinga, kāore he tautoko kiritaki, kāore hoki he whakakorenga. Ehara tēnei i te take taha engari ko te Tūrei te take mō te nuinga o ngā kaiwhakamahi DeFi.

Ko ngā atanga mekameka-kore e whakawhiti aunoa ana i Ethereum, Arbitrum, Base, Solana, me Polygon e whakamahia whānuitia ana i roto i te whanaketanga DeFi hou hei whawhai i te wehewehenga o te mekameka.

4. Te Manukanuka Tauwhitinga me te Kore Whakaora

Mā ngā tono kaihoko Web2 ka tukuna he urupare mārama, tere tonu ki ngā kaiwhakamahi. I roto i te Web3, ka taea e ngā tauwhitinga te noho tatari, te kore e angitu, te hoki anō i muri i te kore e ōrite te whakatauira, te angitu rānei i runga i te mekameka i te mea kei te āhua kati te atanga kaiwhakamahi.

Ka tukuna e ngā kaiwhakamahi DeFi he tauwhitinga, ā, ka tatari māharahara rātou me te whakaaro:

• I puta pai? 
• I hē ahau? 
• Kua mau taku moni? 

Ko ngā hapa utu nui e tino kitea ana ko te tuku ki te whatunga hē, te whakaae i ngā kirimana me te kore e mārama ki te urunga i tukuna, te ngaronga o ngā whakatūpato paheke, me ētahi atu. Tērā pea te āhua nei he hapa kaiwhakamahi ēnei katoa engari ko te mea pono he hapa hoahoa atanga pukapuka.

Mena kei te hanga koe i tō taupānga DeFi, kia tino hangaia te UI/UX kia uru ki ngā whanonga tangata, ā, kaua e tumanako kia mahi te tangata pērā i ngā mīhini kore he.

5. Te Taumahatanga o ngā Mōhiohio i runga i ngā Papatohu

Whakatuwheratia tētahi papatohu taupānga DeFi, ā, ka tūtaki koe ki ngā mea katoa e whai ake nei i te wā kotahi: 

• Ngā reiti APY
• He puna kaukau
• Ngā whakaaro whakahaere
• Ngā inenga tohu
• Ngā taima utu
• Nga tohu morearea
• tātaritanga matatau

Te āhua nei nā ngā kaihangarau i hanga ngā tūāpapa DeFi mā ngā kaihangarau. I runga i ēnei tūāpapa, kāore ngā kaiwhakamahi e tūhura ki te wetewete engari ka puta atu ina pōhēhē rātou.

Ko te whakaaturanga ahunga whakamua, te hoahoa pūkoro-tuatahi, me te UX e hangai ana ki te kaupapa (te wāhi e kī ai te kaiwhakamahi i tā rātou e hiahia ana, ā, mā te tūāpapa e whakatau te tikanga o te mekameka) koinei te paerewa mō te whanaketanga DeFi angitu.

Nā te aha a defi.app i noho ai hei tuatahi ki te whakamahi i tēnei whai wāhitanga?

Kāore a Defi.app i kimi noa i te āputa engari i mahi i tetahi mea mōna. I whakarewahia i te Hui-tanguru 2025 hei "hanga UX taumata-Robinhood i runga i te rohe kāore e taea e Robinhood te uru atu ki roto i te ture" , i tae atu a defi.app

• $44B te nui o te moni kua kohia (Hui-tanguru 2025-Hune 2026)
• 1.06 miriona ngā kaiwhakamahi kua rēhita i roto i ngā marama 18
• 30-40K ngā kaiwhakamahi hohe ia marama (i mua i te whakarewatanga o te rocket perp)
• Te tipu o te DAU 3000% mai i te whakarewatanga

Hei horopaki, he nui ake ngā kaiwhakamahi me ngā rahinga i tērā i riro mai i te nuinga o ngā kawa DeFi umanga i roto i tōna hītori katoa.

E toru ngā pūwāhi waku e whakatauhia ana e te hoahoa o te defi.app i te wā kotahi.

• Te tangohanga hau mā roto i ngā pūkete atamai EIP-4337 (kāore he whakahaere hau)
• Aratū mekameka-kore mā te 1inihi me te Hūpiter (kua arotauhia aunoa puta noa i te EVM me te Solana)
• Te pupuri i te kēmu mā Rocket Perps, he Hua pumau 1,000x me te atanga kauhanga toi-pika e whakaputa ana i ngā utu tohu $HOME, e hanga ana i tētahi huringa ka hoki atu ngā kaiwhakamahi ahakoa kua taurite ngā whakatenatena.

Mā tēnei, ka tukuna e te tūāpapa defi.app he urunga kore-aukati, he porowhita pupuri, me te kapinga crypto-native. Ā, koinei tētahi mea kua ngaro i te nuinga o ngā kaihanga DeFi i ngā tau kua hipa, ā, i te mutunga, ka ārai katoa i te DeFi mai i te whakamahi whānui.

Ko ngā kaupapa whakawhanake DeFi ka taea te whakakī i te āputa nui rawa atu i roto i te DeFi, ehara nei i te paparanga kawa engari ko te paparanga wheako, ka hopu i ngā kaiwhakamahi 500M e whai ake nei. 

Rautaki UX mō ngā Kaiwhakaū Taketake o te Crypto, ngā Whare Whakahaere TradFi, me te Pūnaha Rauropi Web3

I te tau 2026, kāore e taea te whakakore noa i ngā kirimana atamai me te kore rautaki UX ka kiia he dApp. Ko te hanga i tētahi taupānga DeFi paparanga-whakahaere e pupuri ana i ngā kaiwhakamahi me whai 

Pūranga Hangarau mō te Whakawhanaketanga Taupānga DeFi UX-First i te tau 2026 me tua atu

Ko te hanga i tētahi paparanga whakahaere DeFi ngāwari-kaiwhakamahi e pupuri ana i ngā kaiwhakamahi matua me whakaoti ngā wero UX e rima kua kōrerotia i runga ake nei. Anei ngā wāhanga matua e hanga ana i te hoahoa whanaketanga DeFi hou kua hangaia mō ngā kaiwhakamahi ehara i te web3:

1. Te Whakarāpopototanga Pūkete (EIP-4337 / ERC-4337)

• Whakauruhia ngā pēke kirimana atamai e whakakapi ana i ngā kīanga purapura ki te takiuru pāpori me te whakaora koiora.
• Whakatinanahia ngā kaiwhakahaere utu e tautoko ana i te penehīni, me te tango i te whakaritenga tohu taketake mō ngā kaiwhakamahi tuatahi.
• Whakahohehia te whakaaetanga tauwhitinga kua tohaina mā te whakamahi i ngā kī wātū kia taea ai e ngā kaiwhakamahi te whakaae i mua i tētahi wātū me te taunekeneke me te kore e puta mai ngā pahū-ake mō ia tauwhitinga.
• Kōpeketia ngā whakaaetanga maha ki te taahiraa kotahi mā te whakamahi i ngā tikanga whakahiato tauwhitinga.

I kitea te hekenga o te 20% i roto i ngā taupānga nama DeFi i whakatinana i ngā pūkete atamai ERC-4337 i te wiki tuatahi. E ai ki ngā papaaho petipeti he maeneene ake te whakauru me te pikinga o te whakapaunga i roto i te taupānga.

2. Atanga Mekameka-Agnostic me te Ara-Aunoa

• Ka hokohoko aunoa ngā kaiwhakakotahi DEX pēnei i a 1inch, Jupiter, Paraswap, me ētahi atu ara puta noa i Ethereum, Solana, Arbitrum, Base, Polygon, me Avalanche. Mena kei te hanga koe i aua atanga, ka taea e tō kamupene whakawhanake DeFi te tūtohu i ngā ara hoahoa hei whakatutuki i te ara aunoa puta noa i ngā mekameka.
• Ka taea e ngā kaupapa whakawhanake DeFi te whakatinana i te UX e hangai ana ki te kaupapa, ka whakapuakina e ngā kaiwhakamahi tā rātou e hiahia ana; ka whakatauhia e te tūāpapa te kōwhiringa mekameka, te arorau piriti, me te utu hau i te papamuri.
• Ka taea hoki e ngā taupānga DeFi hou te hanga i ngā papaaho rawa whakawhiti-mekameka e whakakotahi ana i ngā taurite me ngā mahi puta noa i ngā whatunga katoa i roto i te tirohanga kotahi.

I te tau 2026, ko ngā mekameka DeFi matua e ai ki ngā kaiwhakamahi hohe ko Solana (2.8M, +67% te tipu), Ethereum (2.1M, $4,200 te toharite o te tauwhitinga), BNB Chain (1.4M), me ētahi atu. Me tautoko e tētahi taupānga DeFi whakataetae kia toru pea o ēnei.

3. Hanganga Waea-Tuatahi

• Ko te nuinga o ngā rahinga hokohoko DeFi i ahu mai i ngā waea pūkoro, ā, he wāhanga nui tēnei mō te whanaketanga DeFi i te tau 2026 me tua atu. 
• He maha hoki ngā tūāpapa DeFi e kī ana i uru atu ā rātou kaiwhakamahi tuatahi mā roto i ngā taupānga pūkoro me ngā pēke moni.  
• Ko ngā atanga pā-pā, ngā wā uta tere, me te whakaaturanga matatau he mea nui ake i te otinga o ngā āhuatanga i te whakarewatanga o te taupānga DeFi.

4. Te Māramatanga me te Hanganga Whakawhirinaki i runga i te Mekameka

• Whakauruhia ngā papaaho moni whiwhi wā-tūturu me te whakatinanatanga hoko whakahoki, tohatoha rānei ka taea te manatoko, i ahu mai i a Hyperliquid.
• Mā ngā arokite tauwhitinga ka taea te pānui e te tangata i mua i te whakaū o te pēke moni e whakaatu ana i te putanga, ehara i te wāhitau kirimana, ka taea te whakaiti i te uauatanga mō ngā kaiwhakamahi.
• Me whakatinana ngā kirimana atamai kua rite ki te arotake me ngā kaitiaki whakaurunga anō, ngā tauira whakahounga māngai, te whakamutu ohorere, te tirotiro i ngā whiu a te OFAC/EU i te wā o te whanaketanga o te DeFi hou.
• E hiahiatia ana te manatoko whaimana (Certora) me ngā arotake maha-umanga (CertiK + Halborn) mō ngā kawa whakaputa.

5. Ngā Tikanga Pupuri Whakaari

• Me hono te XP me ngā pūnaha utu ki ngā mahi kawa, tae atu ki te hokohoko, te whakarato moni, te whai wāhi ki te whakahaere, me ētahi atu.
• Me whakarite kia whai kaupapa matua ngā papa ārahi, ngā rārangi hua, me ngā āhuatanga pāpori e hanga ana i ngā tikanga whakahoki mai motuhake mai i te APY i te wā e whakawhanake ana i te taupānga DeFi.
• Me whakamahi te wira tere utu-ki-te-hoko-hoki ina tukuna te 80%+ o ngā moni whiwhi tūāpapa ki ngā kaupapa tohu kua whakaaetia e te kāwanatanga (tauira DIP-004 / Hyperliquid).

Te Utu Whakawhanake DeFi o ēnei Rā me te Tirohanga Tūturu o te Wā mo te Tau 2026

Ka taea te hanga i tētahi tūāpapa DeFi kua rite mō te whakaputa me te puranga katoa i kōrerotia i runga ake nei, tae atu ki te tango i ngā pūkete, te arataki mekameka-kore, te hoahoa pūkoro-tuatahi, te māramatanga i runga i te mekameka, me ngā tikanga pupuri, i roto i te 3-6 marama e tētahi kamupene whakawhanake DeFi mātau.

Kaua e tukua ngā kamupene "he kaiwhakawhanake pakari tā mātou" kia tinihanga i a koe. Ahakoa he iti ake tā rātou utu, kāore pea rātou e tohunga ki te whakawhanake i te DeFi mai i te tīmatanga ki te mutunga, tae atu ki te hoahoa kirimana atamai, te tokenomics kawa, te whakaurunga o mua me te putea, te hanganga taupū o muri, te whakarite arotake haumarutanga, me te whakatinanatanga maha-mekameka. 

Mā te tīma e tuku noa i te paparanga kirimana atamai mō te whakawhanaketanga o tō tūāpapa DeFi ka waiho māu e kohikohi te toenga mai i ngā kaihoko rerekē, ka puta he mōrearea whakauru me ngā āputa mātauranga i ia tukunga.

"Tohutohu Tere

Whakatakotoria te 15-25% o te tahua katoa mō ngā arotake haumarutanga. Ko te karo i ngā arotake te hapa nui rawa atu i roto i te whanaketanga DeFi. He tūmatanui, he pumau, ā, he maha ngā wā ka pā kino te hapa kotahi i roto i tētahi kawa kua whakatinanahia.

Whenua Whakahaere mō te Whakawhanaketanga DeFi puta noa i te US, UK, UAE, me Ahitereiria

Ko te Āputa UX DeFi te Whai Wāhitanga: Hangaia i mua i te Katinga

I hurihia e Robinhood te pūtea tuku iho mā te hanga i te hokohoko hea kia kore utu, kia taea hoki te uru atu mai i te waea atamai. Kāore i taea e ia te uru atu ki te rohe o DeFi me te tiaki-ake, te hua nui, te hua kore whakaaetanga. I hangaia e te DeFi tuku iho ngā hua pūtea whakataetae engari kāore i taea te pupuri i ngā kaiwhakamahi i whakamātau i a rātou. Ko te wāhanga ngaro anake o te panga ko te paparanga whakahaere DeFi taumata-kaiwhakamahi e taea ai e te nuinga o ngā tūāpapa DeFi te whiwhi kiritaki ahakoa mai i ngā kaiārahi tukutuku2. 

I whakamātauhia e Defi.app, ina whakaotihia e koe te tangohanga hau, te wehewehe mekameka, me te pupuri i te wā kotahi, ka puta mai ngā kaiwhakamahi ka noho. Ko te nui o te moni tāpiri $44 piriona me ētahi atu tatauranga kua whakahuatia i runga ake nei ngā taunakitanga. Ko te tūāpapa DeFi e whai ake nei e whakaoti ana i ēnei take i te tauine ka taea te waiho hei tūāpapa māu. 

Kua rite koe ki te whakauru i ngā kaiwhakamahi $500M e whai ake nei ki te DeFi?

Kua hangaia tēnei e Antier i mua mō ngā peeke, ngā kamupene hangarau pūtea kua whakahaeretia, ngā kaupapa rawa mamati e hono ana ki te kāwanatanga, me ētahi atu. Kua mahi rātou ki ngā kiritaki i roto i te neke atu i te 110 whenua me tā rātou tīma o ngā tohunga DeFi neke atu i te 700.   

Ngā mea e hangaia ana e Antier mō āna kiritaki DeFi

Ko ētahi o ngā āheinga whakawhanake DeFi a te Antier e whai ake nei :

• Ngā whakawhitiwhitinga kore-pokapū (DEX) me te AMM, te pukapuka ota, me ngā tauira ranu
• Ngā tikanga tuku nama me te nama a DeFi me te whakahaere taunaha aunoa
• Ngā tūāpapa ahuwhenua hua me te tūnga me ngā tikanga whakatenatena kirimana atamai
• Ngā taupānga DeFi kaihoko kua whakarapopototia ki te hau me te whakarapopototanga pūkete ERC-4337
• Ngā atanga mekameka-kore e tautoko ana i a Ethereum, Solana, Arbitrum, Base, Polygon, Avalanche
• Ngā paparanga pupuri DeFi kua whakangaohia tae atu ki ngā pūnaha XP, ngā papaaho ārahi, me ngā wira rere utu-ki-te-hoko-hoki
• Ngā tūāpapa DeFi ā-whare me te hoahoanga tutuki i ngā whakaritenga a MiCA / VARA / FCA
• Te tohu RWA + ngā ara DeFi: te tukunga e ai ki ngā whakaritenga me te kaha ki te whakakotahi i te DeFi
• Ngā arotake kirimana atamai me ngā arotake haumarutanga (i te mahi tahi me CertiK me Halborn)

Haunga tēnei, e mōhio ana ngā tīma whakawhanake a Antier ki ngā whakaritenga ture i roto i te nuinga o ngā mana whakahaere e pai ana ki te moni matihiko. Kei roto i ā mātou hanganga te aukati KYC/AML, te tirotiro whiu, me te hoahoa kirimana atamai kua rite ki te arotake mai i te rā tuatahi.

Hono atu ki a Antier kia whiwhi ai koe i tō aromatawai mahere whanaketanga DeFi kore utu.