✨ Isifinyezo se-AI
- Ngo-2021, ukubolekwa/ukuboleka imali nge-crypto kwavela njengomkhakha obalulekile kwi-Decentralized Finance (DeFi), ngamapulatifomu afana ne-CoinRabbit, i-Blockfi, i-YouHolder, i-CoinLoan, kanye ne-SpectroCoin ehamba phambili.
- Lezi zingxenyekazi zivumela abasebenzisi ukuthi baboleke imali yabo yedijithali futhi bathole inzalo, ngamanani e-APY asukela ku-5% kuya ku-12%.
- I-CoinRabbit inikeza isikhombikubona somsebenzisi esilula kanye ne-10% APY ehleliwe, kuyilapho i-Blockfi inikeza isevisi ephelele yokuthenga, ukuthengisa, kanye nokwenza i-crypto nge-APY efika ku-8.5%.
- I-YouHolder ivelele ngamanani ayo aphezulu e-APR kubaboleki kanye nesici se-multi-HODL, kuyilapho i-CoinLoan inikeza izinkokhelo zenzalo zansuku zonke kanye nokuqinisekiswa kwe-biometric.
- I-SpectroCoin ivumela abasebenzisi ukuthi baboleke imali besebenzisa i-crypto yabo njengesibambiso.
Ukubolekwa/ukuboleka imali ye-crypto kwakungenye yemikhakha emikhulu ye-Decentralized Finance ngo-2021. Amapulatifomu okubolekwa kwemali ye-crypto aziwa nangokuthi amaphrothokholi emakethe yemali futhi ngo-2021, anegalelo cishe engxenyeni yenani eliphelele elivalelwe ku-DeFi. La maphrothokholi ahlukaniswe futhi awaqondiswa yinoma yiliphi igunya eliphakathi.
Njengoba kunezinkundla ezimbalwa zokubolekisa nge-crypto ezingena emakethe ezikhathini zamuva nje, ungase udideke kakhulu kunangaphambili ukwazi okwengeziwe mayelana nendlela ukuboleka kwe-crypto kusebenza futhi yiziphi izinkundla ezinokwethenjelwa.
Ake sibheke inqubo kanye nezinkundla ezingcono kakhulu ze-crypto kule bhulogi.
Iyini i-Crypto Lending?
Ukuthengiswa kwe-Crypto kwenzeka ku-blockchain evikelekile. Ukubolekwa kwe-Crypto kuyafana nokuboleka kwendabuko, lapho unikeza abanye imali futhi uthole inzalo kukho.
Ukuboleka kwe-Crypto nokuboleka kwenzeka ezisekelweni ze-DeFi, lapho umnikazi we-crypto ezoboleka imali ye-crypto kumboleki nge-APY okuvunyelwene ngayo (isivuno sephesenti lonyaka). Izinga le-APY liphakathi kuka-5% no-12% wemisebenzi eminingi. Inkundla ye-crypto ikhokhisa imali encane ukucubungula okwenziwayo. Kuyindlela evikelekile, esheshayo, nesebenzayo yokuboleka/ukuboleka imali ye-cryptocurrensets online.
Qaphela: I-APY inzalo umboleki ayizuzayo ngokwenziwe, futhi i-APR (isilinganiso samaphesenti sonyaka) iyinani lenzalo umboleki alikweleta umbolekisi.
Izinkundla Ezingcono Kakhulu Zokubolekwa kwe-Crypto
- I-CoinRabbit
I-CoinRabbit iyinkundla yokuboleka nokuboleka ye-crypto ezinze eLondon eyaba ngeyodwa ehamba phambili ngesikhathi esisheshayo. Le nkundla inokuxhumana okulula komsebenzisi futhi kulula kakhulu ukuyisebenzisa ngokuya ngokwakha i-akhawunti nokuboleka imali ye-cryptocurrency.
- Idinga kuphela i-imeyili ID/ inombolo yocingo ukuze udale i-akhawunti (ayikho i-KYC)
- Ubuqiniso bokubili
- Ukuhoxiswa kwamahhala okungenamkhawulo
- Kulungiswe ngo-10% APY
- 1.2% APR ngenyanga
- Inzalo ekhokhwa nsuku zonke
- Ayikho inkundla yamahhala
Naphezu kokuba isiteji esisha, i-CoinRabbit izuze abasebenzisi abaningi ngesikhathi esifushane. Nakuba izinga le-APR liphezulu kubaboleki, ezinye izici ziyenza ibe yinketho ekhethwayo.
- IBlockfi
I-Blockfi inendlunkulu yayo eNew Jersey, e-US, futhi yasungulwa ngo-2017. Ingumhlinzeki wesevisi ophelele owenza abasebenzisi bakwazi ukuthenga, ukuthengisa, futhi bathole i-crypto ngokusebenzisa isiteji. Ivumela abasebenzisi ukuthi bagcine zonke izimpahla zabo ze-crypto endaweni eyodwa futhi benze imali ngazo.
- Azikho izindleko ezifihliwe
- Kufika ku-8.5% izinga le-APY
- Ayikho ibhalansi ephansi
- 4.5% APR kubaboleki
- Ilungele wonke umuntu (kungaba yizimfundamakhwela noma uchwepheshe)
- Sebenzisa imali ye-fiat ukuze uthenge ama-stablecoins
I-Blockfi yamukela i-BTC, i-ETH, i-USDC, i-LTC, i-PAX, ne-GUSD cryptocurrencies ukuze uthenge futhi udayiswe. Inikeza isici esikhethekile esibizwa nge-Interest Payment Flex, lapho abasebenzisi bangakhetha uhlobo lwemali lwezinkokhelo zenzalo abazithola kubaboleki.
Yakha eyakho i-DeFi Crypto Lending Platform
Hlela Idemo Yamahhala- WenaHolder
I-YouHolder iyinkundla yokuboleka imali ye-crypto esekwe ku-Swizz futhi enikeza izinketho ze-fiat. Abasebenzisi bangaguqula i-cryptocurrency eyodwa baye kwenye noma imali ye-fiat ibe i-crypto endaweni yesikhulumi futhi baboleke abanye ukuze bathole inzalo enhle.
- Ihambisana nezinhlamvu zemali eziphezulu eziyi-15 ze-crypto
- 90% LTV isilinganiso (imalimboleko enanini)
- Zuza inzalo efika ku-12%.
- Thola ukheshi osheshayo ngokunikela nge-crypto njengesibambiso
- Isici se-Multi HODL (phindaphinda izinhlamvu zemali ze-crypto ngokubheja)
Ingenye yalezo zinkundla zokuboleka nezokuboleka ze-DeFi ezinenani eliphezulu le-APR lababolekayo. Isukela phakathi kuka-13.68% no-36%+ kwezinye izimo. Kodwa-ke, i-YouHolder idumile ngokunikeza imali mboleko encane kanye nokuhambisana kwe-fiat.
- I-CoinLoan
iyinkundla yokuboleka ye-crypto yase-Estonia enikezela ngezinsizakalo ezisebenziseka kalula kubabolekisi be-crypto nababoleki. Inkundla iyahambisana namadivayisi we-Android ne-iOS. Ine-interface ehlanzekile nenethezekile.
- Inkokhelo yenzalo yansuku zonke
- Ayikho imali ediphozithi noma yokuhoxiswa
- Zuza kufikela ku-12.3% APY
- I-APR iphakathi kuka-4.95% no-11.95%
- Asikho isikhathi sokukhiya
- Ukuqinisekiswa kwebhayomethrikhi ukuze uvikeleke
I-CoinLoan futhi ikuvumela ukuthi uboleke imali ngokubeka i-crypto njengesibambiso. Isebenziseka kalula futhi inikeza izici ezifana ne-fiat-on-ramp ukuze udlulise izimpahla ze-crypto zisuka ekushintshanisweni ziye ensizeni yokuboleka.
- SpectroCoin
I-SpectroCoin izinze e-Belarus futhi yasungulwa ngo-2013. Inkundla ibilokhu iletha imiphumela engaguquki phakathi neminyaka futhi inikeza izinhlobonhlobo zezinsizakalo ze-crypto, okuhlanganisa ukubolekwa kwemali ye-crypto.
- Yamukela i-ETH, i-BTC, i-DASH, ne-XEM njengesibambiso.
- 25% kuya ku-75% LTV isilinganiso
- Thola imalimboleko kusuka kuma-euro angama-25 kuye kwesigidi
- Isikhathi semalimboleko esiphezulu sonyaka owodwa
- Idebhithi ezenzakalelayo yenani lenzalo
I-SpectroCoin iyinkundla yokuboleka ye-crypto lapho uthola khona imalimboleko enkampanini kunokuboleka imali yakho ye-crypto kwabanye.
amazwi okugcina
Ipulatifomu yokubolekisa imali ye-crypto yenza kube nokwenzeka ukuba nokuthengiselana kontanga nge-cryptocurrency futhi uthole imali engenayo evela ezimpahleni zakho ze-crypto. Izinkampani eziningi ezintsha ziqasha i-Antier, inkampani ethembekile yokuthuthukisa ipulatifomu yokubolekisa imali ye-Defi ukwakha ipulatifomu nokusiza ukuthengiselana okufanayo phakathi kwabathandi be-crypto. Kuthatha isikhathi esincane ukwethula ipulatifomu yokubolekisa imali ye-crypto ngokwenza ngezifiso izixazululo ezikhona ukuze zivumelane nomsebenzi wakho webhizinisi.
