I-AI iguqula kanjani i-DeFi Lending Platform Development?

“Cabanga ngesimiso sezimali lapho imali ebolekiwe ivunywa ngemizuzwana, inzalo ishintsha ngesikhathi sangempela, futhi imali mboleko igeleza ngaphandle komthungo emingceleni—konke ngaphandle kwabalamuli.”

Ukuthuthukiswa kwepulatifomu yokubolekisa i-DeFi kwenza lokhu kwenzeke. Ngokusho kwe-Galaxy Report, usayizi wemakethe ophelele wemakethe yokubolekisa i-crypto kusukela ngekota yesi-4 ka-2024 (kufaka phakathi ama-CDP stablecoins asekelwa yi-crypto) angama-$36.5 billion. Imakethe ibilokhu ikhula kusukela ngaleso sikhathi, idlula i-TVL engama-$53 billion ngoMeyi 2025. Njengoba ukuhlanganiswa kwe-AI kuba yinto ebalulekile ekhulayo futhi kuyinto evamile entsha, singalindela ukuthi amapulatifomu okubolekisa i-DeFi asebenzisa i-AI ahole igagasi elilandelayo lokusungula izinto ezintsha kwezezimali. Kodwa kanjani? Ake singene ngaphakathi ukuze siqonde.

I-AI Ithuthukisa Kanjani I-DeFi Lending Platform?

Amapulatifomu okuboleka imali e-DeFi avumela abasebenzisi ukuboleka nokuboleka izimpahla zedijithali ngqo, bedlula abalamuli bendabuko. Akumangalisi ukuthi yadlula imalimboleko ephakathi futhi yabalelwa ku-65% wemalimboleko ye-crypto ngasekupheleni kuka-2024. Umfutho onjalo, kanye nomkhakha we-AI ongama-$190+ billion, kusho ukuthi ukuthuthukiswa kwepulatifomu yokuboleka imali e-DeFi esebenzisa i-AI kungathuthukisa ukuphathwa kwezingozi, ukuphepha, ulwazi lomsebenzisi, kanye nezithelo ezinhle kakhulu.

• Ukuhlolwa Kwengozi Okuthuthukisiwe kanye Namaphuzu Wesikweletu: Ukuthola amaphuzu esikweletu okuvamile kuncike kudatha emaphakathi, kuyilapho idatha ku-pseudomonas world of DeFi kungenzeka ayitholakali noma ayibalulekile. I-AI ingahlaziya uhlu olubanzi lwemithombo yedatha, okuhlanganisa umlando wokwenziwa kwe-on-chain, amasignali omphakathi, idatha emaphakathi, kanye nedatha okungeyona eyendabuko, ukuze yakhe amaphrofayili engcuphe ashukumisayo nanembile kubaboleki. Lokhu kungaholela emathubeni okuboleka abandakanya wonke umuntu futhi kuncishiswe amanani azenzakalelayo. 

Isibonelo, i-Oracle ye-Spectral Finance ye-on-chain credit oracle isebenzisa idatha ye-blockchain (umlando wokukhokha, i-collateralization, ukukhokha okwedlule) ukuze kukhiqizwe amaphuzu esikweletu asobala, i-overcollateralization, futhi inike amandla imalimboleko engaphansi kwe-collateralized. 

• Izinqubo zokuboleka ezizenzakalelayo nezilungiselelwe: I-DeFi yosiko isebenzisa amajika enzuzo amisiwe noma efomula (isb, ijika lokusebenzisa le-Aave). I-AI-ithuthukisiwe Ukuthuthukiswa kwenkundla yokuboleka kwe-DeFi ingathula ukumiswa kwesilinganiso okuguquguqukayo, okwenza ngokuzenzakalelayo ukulungiswa kwezinga lenzalo ngokusekelwe ezimeni zemakethe zesikhathi sangempela, kuthuthukise amasu okulima okunesivuno kumachibi okusebenzisa imali, futhi ngisho nokuphatha isibambiso ngendlela efanele. Lokhu kuzenzakalela kunciphisa isidingo sokungenelela okwenziwa njalo mathupha, kukhulisa ukusebenza kahle kwenkundla, futhi kungase kukhuphule imbuyiselo kubo bobabili ababolekisi nababolekayo.
• Ukuvikeleka Okuthuthukisiwe Nokutholwa Kokukhwabanisa: Imvelo yokwahlukaniswa kwe-DeFi ingasetshenziselwa imisebenzi enonya. Izinsizakalo zokuthuthukisa inkundla yokubolekisa ye-DeFi ingasiza ukudala izinkundla zemalimboleko ye-DeFi enikwe amandla yi-AI eziqapha okwenziwayo ngesikhathi sangempela, ihlonze amaphethini asolisayo abonisa ukukhwabanisa noma ukukhohlisa, futhi ihlabe umkhosi ubungozi obungaba khona kuzinkontileka ezihlakaniphile. Le ndlela yokusebenza iqinisa ukuvikeleka kukonke kwenkundla. Ngo-2023, Ukukhwabanisa kwe-DeFi kubangele izigidigidi ekulahlekelweni, okugqamisa isidingo esibalulekile sezinyathelo zokuphepha ezithuthukisiwe njengalezo ezinikezwe i-AI.
• Okuhlangenwe nakho komsebenzisi komuntu siqu: Ukuhlanganiswa kwe-AI ku Ukuthuthukiswa kwenkundla yokuboleka kwe-DeFi ingakha ukuzizwisa komuntu siqu. Izingxenyekazi ezinjalo zingahlaziya ukuziphatha komsebenzisi kanye nezintandokazi ukuze zinikeze izinketho ezifanelana nokuboleka nokuboleka, ziphakamise amasu afaneleka okutshala izimali ngokusekelwe ezifisweni zobungozi zomuntu ngamunye, futhi zinikeze izexwayiso ezisebenzayo mayelana nezinguquko zemakethe.
• Ukuhambisana Okuzenzakalelayo Ne-AI ne-DID: I-NLP nokuqashelwa kwesithombe kungenza amasheke e-KYC/AML ngokuzenzakalela kanye nokuvimbela ukukhwabanisa, kuvalwe izikhala zokulawula. Amasistimu e-AI angabuyekeza omazisi, imilando yokwenziwayo, nohlu lwezinhlawulo ngokushesha kunamaqembu azenzelayo. Ngaphezu kwalokho, izixazululo ze-DID ezinikwe amandla yi-AI zinganikeza ukuphepha okungantengantengi ngaphandle kosongo ekuhlukaniseni amazwe.

Ukuthuthukisa I-AI DeFi Lending Platform: Izindleko Nokucatshangelwa

Ukuthuthukiswa kwepulatifomu yokubolekisa ye-DeFi esebenzisa i-AI kuwumsebenzi oyinkimbinkimbi onezindleko ezihlukahluka kuye ngezici, ubunzima, kanye nolwazi lwethimba lokuthuthukisa. Ngenkathi ukuthuthukiswa kohlelo lokusebenza lokubolekisa lwe-DeFi oluyisisekelo kungaqala kusuka ku- $ 60,000 , ipulatifomu yokubolekisa ephelele ehlanganisa izici ze-AI ezithuthukisiwe ingahluka kakhulu, cishe ifinyelele ku- $200,000 noma ngaphezulu.

Izici ezibalulekile ezinomthelela kuzindleko zifaka:

• Ukuthuthukiswa Kwenkontileka Ehlakaniphile Nokuhlolwa Kwamabhuku: Umnyombo wanoma iyiphi i-AI ethuthukisiwe Ukuthuthukiswa kwenkundla yokuboleka kwe-DeFi yinkontileka ehlakaniphile. Indlela yokuboleka eyinkimbinkimbi idinga ukuthuthukiswa kwenkontileka ehlakaniphile nokuhlolwa okuningiliziwe kwezokuphepha, okubalulekile kodwa okwengeza ezindlekweni.
• Ukuthuthukiswa Nokuhlanganiswa Kwemodeli ye-AI: Ukuqeqesha nokuhlanganisa amamodeli e-AI angokwezifiso ukuze kuhlolwe ubungozi, ukuthuthukiswa kwesivuno, nokutholwa kokukhwabanisa kudinga ubuchwepheshe obubalulekile kanye nezinsiza zokubala.
• Ukuthuthukiswa Kwangaphambili Nesemuva: Ukwakha isixhumi esibonakalayo esisebenziseka kalula kanye nengqalasizinda ye-backend eqinile yokusingatha imisebenzi nedatha kudinga ukutshalwa kwezimali okukhulu kumasu nokuklama.
• Ukuhlanganiswa kweBlockchain: Lokhu kuhlanganisa ukubambisana Izinsizakalo zokuthuthukisa inkundla yokubolekisa ye-DeFi ukuze usebenzise inkundla yemalimboleko ye-DeFi enikwe amandla yi-AI kunethiwekhi ye-blockchain ekhethiwe.
• Izinyathelo Zokuphepha: Ukusebenzisa izivumelwano zokuphepha ezithuthukisiwe, okuhlanganisa ukuqapha okuqhubekayo kanye nezinhlelo ezingaba khona zenzuzo yeziphazamisi.
• Ukuthobelana Nokucatshangelwa Komthetho: Okokugcina, ukuzulazula endaweni yokulawula eguqukayo yokubolekwa kwe-DeFi kuwukukhathazeka okukhulayo. A odumile Izinsizakalo zokuthuthukisa inkundla yokubolekisa ye-DeFi umhlinzeki, nokho, angakusiza ngomeluleki wezomthetho, njengoba ngokuvamile beba nokusebenzisana nobudlelwano nabameli emhlabeni wonke. 

Amasu Asebenzisekayo Wokuqala Nabangenayo Be-TradFi

Ukuthuthukiswa kwepulatifomu yokubolekisa imali ye-DeFi ethuthukisiwe nge-AI kudinga indlela ehlakaniphile:

1. Sebenzisa Ingqalasizinda Ekhona: Sebenzisa ama-primitives e-DeFi afakazelwe (njenge-Aave V3, amafoloko e-Compound, noma amachibi okuboleka ku-Layer-2) njengesisekelo. Bese wendlalela i-AI phezu kwabo. Isibonelo, hlanganisa i-AI ye-oracle yamaphuzu esikweletu (njenge-Spectral) nemfoloko ye-Aave ukuze unike amandla imalimboleko engavikelekile.
2. Uzakwethu ne-AI/Abahlinzeki Bedatha: Hlanganyela nezibalo ze-on-chain kanye nezinkampani ze-AI. Ukusebenzisana (noma ama-hackathons) namaphrojekthi we-blockchain AI (isb, i-Theoriq, i-Chainlink) kungase kuqale ukuthuthukiswa kwemodeli ye-ML. Sebenzisa imitapo yolwazi ye-ML evulekile (TensorFlow, PyTorch) kanye nama-API wedatha ye-blockchain.
3. Yakha Ukubusa Okuxubile: Okwamabhange e-TradFi noma izinyunyana zezikweletu ezihamba nge-chain Ukuthuthukiswa kwenkundla yokuboleka kwe-DeFi, cabangela amanethiwekhi e-DeFi avunyelwe. I-blockchain yangasese noma ye-consortium ingasebenzisa iphrothokholi yakho yokuboleka ngokuhlolwa kwengozi ye-AI, kuyilapho isasebenzisa izici ze-DeFi. Lokhu kwenza kube lula ukuthobela imithetho.
4. Gxila Kudatha Yekhwalithi Ephezulu: Amamodeli e-AI mahle njengedatha yawo. Khuthaza ukuziphatha okuthembekile komsebenzisi (i-ID ye-on-chain noma amasistimu wesithunzi) ukuthuthukisa idatha yokuqeqeshwa. Noma hlanganisa i-on-chain nedatha ethembekile ye-off-chain (ngama-oracle).
5. Sebenzisa i-Layer 2/Scaling Solutions: Ukuze ugcine izindleko ziphansi, sebenzisa izinkontileka ezihlakaniphile kumanethiwekhi anesivinini esikhulu, anezindleko eziphansi (i-Optimism, Avalanche, Solana, njll.). Lokhu konga izindleko emsuka wohwebo noma wemalimboleko, okwenza izici ze-AI eziyinkimbinkimbi zisebenze ngokwezomnotho kubasebenzisi bokugcina.
6. Ukulungela Kokulawula: Xhumana namathimba ezomthetho kusenesikhathi ngesikhathi sakho sokuthuthukisa i-AI Ukuthuthukiswa kwenkundla yokuboleka kwe-DeFi. Hlela ukugeleza kwe-KYC/AML nobumfihlo bedatha. Iziqalo eziningi ze-DeFi azikunaki lokhu, kodwa imithetho iyaqina. Ukunikeza amamodeli engcuphe e-AI athobelayo, ahlolekayo kuzoba umkhawulo wokuncintisana kumakhasimende esikhungo.
7. I-Liquidity Bootstrapping: Nikeza amathokheni noma ama-stablecoins kumachibi okuqala okubolekisa imbewu. Cabangela izinzuzo zokulima ukuze uhehe abahlinzeki bemali esheshayo. I-pool ejulile (ikakhulukazi kuma-stablecoins) iqinisekisa imali eyanele yemali mboleko futhi inciphisa ukushelela kokuqala.
8. Fundisa & Market: Ukucaca ku-AI yakho kuyisihluthulelo sokwethenjwa. Shicilela ukuthi amamodeli akho e-ML asebenza kanjani (njengoba iSpectral yenza ngezibalo eziqinisekisayo. Gqamisa imithombo yedatha futhi ubonise ukusebenza okuhlaselwe. Lokhu kuwina ukwamukelwa kubasebenzisi abaxwaya ama-algorithms e-black-box. Ngaphandle kwalokhu, ukufundisa abasebenzisi bakho mayelana nokusebenza kweplathifomu yokubolekisa ye-DeFi nakho kubalulekile. Imfundo yomsebenzisi egamified iyimodeli esebenzayo Ukuthuthukiswa kwenkundla yokuboleka kwe-AI DeFi. 

Ukucabanga kokugcina

Ukuhlangana kwemali mboleko ye-AI kanye ne-DeFi kuveza ithuba elinamandla lokubumba kabusha ikusasa lezezimali. Ngenkathi ukuthuthukiswa kwepulatifomu yemali mboleko ye-DeFi ekhuliswe yi-AI kudinga ukuhlela ngokucophelela kanye nokutshalwa kwezimali, izinzuzo ezingaba khona maqondana nokusebenza kahle, ukuphepha, kanye nokufinyeleleka kwenza kube ibhizinisi elilungele ukukhula okukhulu eminyakeni ezayo. Amapulatifomu asebenzisa amandla e-AI ngempumelelo yiwo azochaza ikusasa lemali mboleko ehlukaniswe ngokwezimali.

Njengomhlinzeki wezinsizakalo zokuthuthukiswa kweplatifomu yokubolekisa ye-DeFi ohamba phambili , sinikeze amandla izikhungo eziningi zezimali, izinkampani ezintsha ze-fintech, kanye nezinqubo ze-DeFi ukwakha amaplatifomu okubolekisa alungele ikusasa. Ubuchwepheshe bethu obujulile kubunjiniyela bephrothokholi ye-DeFi, ukuhlanganiswa kwe-AI, kanye nengqalasizinda ye-cross-chain kusibeka endaweni ekhethekile yokuletha izinhlelo zokubolekisa ze-DeFi ezikwazi ukulinganiswa, ezihlakaniphile, nezilungele imithetho.

Masakhe ikusasa lokubolekisa imali — elihlakaniphile, elihlukaniswe ngokwezigaba, nelingenamkhawulo. Yabelana ngezidingo zakho ngokushesha!