Indlela Yokwakha Uhlelo Lokusebenza lwe-UX-First DeFi: Umhlahlandlela Wezindleko Ne-Development Tech Stack

Imakethe yeDeFi, enenani elingu- $ 238.54 billion ngo-2026, isendleleni yayo yokufinyelela ku-$770.56 billion ngo-2031, ku-26.43% CAGR.
Umthombo: Mordor Intelligence

Imakethe yamadola ayizigidigidi iyakhula, kodwa kukhona isithiyo esivimba ukukhula nokwamukelwa okujwayelekile. Naphezu kwenani eliphelele labanikazi be-crypto elifinyelele ku-757.19 million ngo-2026, abasebenzisi abaningi abakaze bajwayelene ne-DeFi ne-Web3.

Nakuba ulwazi lwe-DeFi luthuthuka, inselele eyinhloko isalokhu ikhona. Akuyona ikhwalithi yomkhiqizo kodwa amaphuzu okungqubuzana, okuhlanganisa:

• Imali yeGesi
• Ukukhathazeka Kwezokuphepha
• Ukuthengiselana Okuhamba Kancane
• Ubunzima bebhuloho

Akukho kulokhu okuwukwehluleka kwephrothokholi noma izinkinga zamandla e-DeFi. Izinkinga zikhona ngempela kungqimba ephakathi komsebenzisi nephrothokholi.

Ukunciphisa izimali zikaphethiloli zibe cishe yi-zero akuzange kushintshe inaliti. I-Dencun ithuthukise izindleko zokunciphisa lapho inciphisa izimali eziphakathi ze-L2 ngamaphesenti afinyelela ku-99%. Ukwamukelwa okujwayelekile akukenzeki ngoba isithiyo akusona izindleko kodwa umqondo. Umsebenzisi ongeyena owomdabu noma we-web2 ohlangabezana nomyalezo kaphethiloli akacabangi nje kuphela ukuthi "igesi yenza ukuthengiselana kubize kakhulu" kodwa futhi akaqondi ngempela ukuthi kuyini nokuthi kwenzekani uma ekwenza kabi. Lokhu kudideka kukhona ku-$0.001 njengoba kunjalo ku-$10.

"Imakethe enamakhulu ezigidigidi zemali evaliwe futhi kungekho mkhiqizo abantu bomdabu abangewona ama-crypto abangawusebenzisa kalula."

Leli gebe empeleni liyithuba elingavulwa ngokubambisana nenkampani ehamba phambili yokuthuthukisa i-DeFi.

Izindonga Ezinhlanu ze-UX Zivimba Abasebenzisi Abangaba Khona be-DeFi Abangu-500M

Kunabanikazi be-cryptocurrency abangaphezu kwezigidi ezingu-757 emhlabeni jikelele. Kodwa-ke isilinganiso sabasebenzisi be-DeFi abasebenzayo ngenyanga siphakathi kuka-$2 kuya ku-$3 million. Igebe labasebenzisi abangaphezu kwezigidi ezingu-500 ngabantu abasebenzisa i-crypto kodwa abangasebenzisi i-DeFi ngenkuthalo limelela imakethe ekwazi ukubhekelwa yiwo wonke umakhi wohlelo lokusebenza lwe-DeFi ofunda lokhu. 

Lezi zithiyo ezinhlanu ze-UX zesakhiwo zichaza ukuthi kungani lelo gebe liqhubeka.

1. Ukungqubuzana Kwesikhwama Semali Nokukhathazeka Ngemisho Yembewu

Ukusebenzisana kokuqala kwe-DeFi kwabasebenzisi abaningi kuqala ngokwakhiwa kwesikhwama semali, okuvame ukuba yindawo yokungqubuzana okusheshayo nokubulalayo. Abasebenzisi kulindeleke ukuthi 

• bhala phansi umusho wembewu
• qonda okhiye abayimfihlo
• Futhi wamukele umthwalo wemfanelo ophelele wokuzinakekela ngaphandle kwenketho yokutakula

Kubasebenzisi be-crypto abanolwazi, lokhu kuyinkululeko. Kwabaqalayo, ukuhamba ngentambo eqinile ngaphandle kwenetha lokuphepha. 

Amapulatifomu e-DeFi athathe indawo yalokhu ngama -wallet afakiwe kanye nokungena ngemvume komphakathi (i-Google, i-X, i-imeyili) abika isikhathi sokuthenga okokuqala esisheshayo esingu-35% kanye nabasebenzisi abangu-2X abaqeda ukuthengiselana zingakapheli amahora angama-24. Lokhu kuba yisifundo esikhulu kumabhizinisi ahlela intuthuko yawo ye-DeFi.

2. Imali Yegesi Njengesithiyo Somqondo

Njengoba kushiwo ngenhla, inkinga ngegesi akukhona nje ukuthi ibiza imali. Empeleni iletha umqondo ongaziwa ngesikhathi esibi kakhulu lapho umsebenzisi ezama ukwenza into asevele enqume ukuyenza. Ngisho noma ku-$0.001, isicelo sokuqinisekisa igesi siphula imodeli yengqondo yomsebenzisi. Konke ukusebenzisana kwegesi kuhlobana nala maphuzu avamile okungqubuzana:

• Isidingo soxhaso noma sethokheni lomdabu ngaphambi kwesenzo sokuqala
• Ukuvunyelwa okwesabekayo noma izingxoxo zesixwayiso ezisezingeni eliphezulu ezicabanga ukuthi i-crypto iyasebenza kahle
• Ukuqagelwa kwemali okungenzeka kudala ukungaqiniseki njengoba imali yegesi ishintsha ngokuya ngokuhlala kwenethiwekhi

Imali ephansi ayisusi ubunzima. Ukususa kuphela okwenzayo, yingakho kunconywa kulabo abahlela ukuthuthukiswa kohlelo lwabo lokusebenza lwe-DeFi. 

Kukhona idatha eningi neqondile efakazela ukuthi ukuqoqwa kweketanga kanye nomzila osekelwe enhlosweni kuye kwehlisa kakhulu ubunzima bomsebenzisi futhi kwandise kakhulu amanani okuthengiselana kuzo zonke izinhlelo zokusebenza ezihlukaniswe ngokwezindawo. I-Orbs ithi ukwakheka okusekelwe enhlosweni kuthuthukisa ukuhweba nge-DeFi.

3. Ukuhlukana Kwama-Multi-Chain

Ngo-2026, umsebenzi ojwayelekile we-DeFi, njengokuhambisa izimpahla ezibekwe esitokisini kusuka kwenye inqubo kuya kwenye ngokusebenzisa amaketanga:

• ithinta okungenani izixhumi ezine ezihlukene
• kudinga ukulandelwa kwamanethiwekhi ngesandla esinyathelweni ngasinye
• iveza abasebenzisi emakhelini enkontileka angakahlelwanga kanye nezicelo zokuvunyelwa

Ukukhetha inethiwekhi okungalungile okukodwa kubangela ukwethuka, futhi ngokungafani nokudluliselwa kwebhange, akukho ukubuyela emuva, akukho ukwesekwa kwamakhasimende, futhi akukho ukuhlehliswa. Lokhu akuyona inkinga kodwa ngoLwesibili kubasebenzisi abaningi beDeFi.

Izixhumi ze-chain-agnostic eziziqondisa ngokuzenzakalela ku-Ethereum, Arbitrum, Base, Solana, kanye ne-Polygon zisetshenziswa ngenkuthalo ekuthuthukisweni kwe-DeFi yesimanje ukulwa nokuqhekeka kwe-chain.

4. Ukukhathazeka Ngokuthengiselana Nokungalulami

Izinhlelo zokusebenza zabasebenzisi be-Web2 zinikeza abasebenzisi impendulo esheshayo necacile. Ku-Web3, ukuthengiselana kungahlala kulindile, kwehluleke buthule, kubuye emuva ngemva kokungafani kokulingisa, noma kuphumelele ku-chain ngenkathi i-UI ibonakala ingasebenzi.

Abasebenzisi beDeFi bathumela ukuthengiselana bese belinda ngokwesaba ngenkathi becabanga:

• Ingabe kudlule? 
• Ngabe ngenze iphutha? 
• Ingabe imali yami ibambekile? 

Amaphutha avame kakhulu abizayo ahlanganisa ukuthumela kunethiwekhi engalungile, ukuvuma izinkontileka ngaphandle kokuqonda ukufinyelela okunikeziwe, izixwayiso ezilahlekile zokushelela, njll. Konke lokhu kungabonakala njengokuhluleka komsebenzisi kodwa empeleni kungukwehluleka kokuklama isikhombimsebenzisi sezincwadi.

Uma wakha uhlelo lwakho lokusebenza lwe-DeFi, qiniseka ukuthi i-UI/UX yakhelwe ukuhambisana nokuziphatha kwabantu futhi ayilindeli ukuthi abantu benze njengemishini engenaphutha.

5. Ulwazi Oluningi Kumadeshibhodi

Vula noma iyiphi ideshibhodi yohlelo lokusebenza lwe-DeFi bese uhlangabezana nakho konke okulandelayo ngesikhathi esisodwa: 

• Amanani we-APY
• Amachibi oketshezi
• Iziphakamiso zokubusa
• Amamethrikhi wethokheni
• Izibali-sikhathi zemiklomelo
• Izinkomba zobungozi
• Izibalo ezithuthukile

Kubonakala sengathi amapulatifomu e-DeFi akhiwe onjiniyela bonjiniyela. Kumapulatifomu anjalo, abasebenzisi abahloli ukuze bahlukanise idatha kodwa bayaphuma lapho bezizwa bedidekile.

Ukudalulwa okuqhubekayo, ukwakheka kweselula kuqala, kanye ne-UX esekelwe enhlosweni (lapho umsebenzisi esho khona ukuthi ufunani futhi ipulatifomu ibala indlela yokuxhumana) manje sekuyindinganiso yokuwina intuthuko ye-DeFi.

I-defi.app yaba kanjani eyokuqala ukusebenzisa leli thuba?

I-Defi.app ayizange nje ithole igebe kodwa empeleni yenza okuthile ngakho. Yasungulwa ngoFebhuwari 2025 ukuze “yakhe i- UX yezinga likaRobinhood endaweni i-Robinhood engeke ingene ngokusemthethweni” , kusho i-defi.app.

• Ivolumu ehlanganisiwe engu-$44B (Feb 2025-Juni 2026)
• Abasebenzisi ababhalisiwe abayizigidi ezingu-1.06 zingakapheli izinyanga ezingu-18
• Abasebenzisi abasebenzayo abangu-30-40K ngenyanga (ngaphambi kokwethulwa kwe-rocket perp)
• Ukukhula kwe-DAU okungu-3000% selokhu kwethulwa

Ngomongo, lokho kubasebenzisi abaningi kanye nenani elikhulu kunalelo elitholwe yizinqubomgomo eziningi ze-DeFi emlandweni wazo wonke.

Ukwakhiwa kwe-defi.app kuxazulula amaphuzu amathathu okungqubuzana ngesikhathi esisodwa

• Ukukhishwa kwegesi ngama-akhawunti ahlakaniphile e-EIP-4337 (akukho ukuphathwa kwegesi)
• Umzila we-chain-agnostic nge-1inch kanye ne-Jupiter (elungiselelwe ngokuzenzakalela ku-EVM kanye ne-Solana)
• Ukugcinwa kwe-Gamified nge-Rocket Perps, Umkhiqizo ohlala njalo we-leverage ophindwe ka-1,000x nge-interface ye-arcade ye-pixel-art ekhiqiza imivuzo yethokheni ye-$HOME, okwenza abasebenzisi babuyele emuva ngisho nangemva kokuba izikhuthazo sezijwayelekile.

Ngale ndlela, ipulatifomu ye-defi.app inikeza ukufinyelela okungenasiphazamiso, izihibe zokugcina, kanye nokumbozwa kwe-crypto-native. Futhi lokho kuyinto iningi labakhi be-DeFi eliyiphuthelwe eminyakeni embalwa edlule, ekugcineni futhi bebonke bevimbela i-DeFi ukuthi isetshenziswe kabanzi.

Amaphrojekthi okuthuthukisa i-DeFi azokwazi ukuvala igebe elikhulu ku-DeFi, elingekho kungqimba yephrothokholi kodwa kungqimba yesipiliyoni, lizobamba abasebenzisi abangu-500M abalandelayo. 

Isu le-UX Labasunguli Bomdabu be-Crypto, Izikhungo ze-TradFi, kanye ne-Web3 Ecosystem

Ngo-2026, awukwazi ukumane ulahle izinkontileka ezihlakaniphile ngaphandle kwesu le-UX bese ulibiza ngokuthi i-dApp. Ukwakha uhlelo lokusebenza lwe-DeFi olunezingqimba zokusebenzisa olugcina abasebenzisi kudinga 

I-Tech Stack Yokuthuthukiswa Kohlelo Lokusebenza lwe-UX-First DeFi ngo-2026 nangale kwalokho

Ukwakha isendlalelo sokusebenza se-DeFi esisebenziseka kalula esigcina abasebenzisi abavamile kudinga ukuxazulula zonke izinselelo ezinhlanu ze-UX okuxoxwe ngazo ngenhla. Nazi izingxenye ezibalulekile ezakha ukwakheka kwesimanje kwe-DeFi okwakhelwe abasebenzisi abangebona abe-web3:

1. Ukuqedwa kwe-Akhawunti (EIP-4337 / ERC-4337)

• Hlanganisa ama-wallet enkontileka ahlakaniphile athatha indawo yemisho yembewu ngokungena ngemvume komphakathi kanye nokubuyiselwa kwe-biometric.
• Sebenzisa abaphathi bemali abaxhasa igesi, basuse imfuneko yethokheni yemvelo yabasebenzisi abaqalayo.
• Nika amandla ukuvunyelwa kokuthengiselana okudluliselwe ngokhiye weseshini ukuze abasebenzisi bakwazi ukugunyaza iseshini kusengaphambili futhi basebenzisane ngaphandle kwama-pop-up okuthengiselana ngakunye.
• Cindezela ukuvunyelwa okuningi kube yisinyathelo esisodwa ngezindlela zokuhlanganisa ukuthengiselana.

Izinhlelo zokusebenza zokuboleka imali ze-DeFi ezisebenzise ama-akhawunti ahlakaniphile e-ERC-4337 zithole ukwehla okungu-20% ekushintsheni kweviki lokuqala. Amapulatifomu emidlalo abika ukungeniswa okulula kanye nokwenyuka kokusetshenziswa kwemali ngaphakathi kohlelo lokusebenza.

2. Isixhumanisi Esingenamininingwane Ye-Chain-Agnostic kanye Nokuhlela Okuzenzakalelayo

• Ama-DEX aggregators afana ne-1inch, i-Jupiter, i-Paraswap, njll. ahwebelana ngomzila ku-Ethereum, i-Solana, i-Arbitrum, i-Base, i-Polygon, kanye ne-Avalanche ngokuzenzakalelayo. Uma wakha ama-interface anjalo, inkampani yakho yokuthuthukisa i-DeFi ingaphakamisa izindlela zokwakha ukuze kufezwe umzila ozenzakalelayo phakathi kwamaketanga.
• Amaphrojekthi okuthuthukisa i-DeFi angasebenzisa i-UX esekelwe ekuhlosweni lapho abasebenzisi besho khona ukuthi bafunani; ipulatifomu ixazulula ukukhethwa kweketanga, i-bridge logic, kanye nenkokhelo yegesi ngemuva.
• Izinhlelo zokusebenza zesimanje ze-DeFi zingakha namadeshibhodi empahla ahlanganisa izilinganiso nomsebenzi kuwo wonke amanethiwekhi ngokubuka okukodwa.

Ngo-2026, izintambo ze-DeFi eziphezulu ngabasebenzisi abasebenzayo yi-Solana (2.8M, +67% ukukhula), i-Ethereum (2.1M, ukuthengiselana okumaphakathi okungu-$4,200), i-BNB Chain (1.4M), njll. Uhlelo lokusebenza lwe-DeFi oluncintisanayo kumele lusekele okungenani ezintathu zalezi.

3. Ukwakhiwa Kweselula-Okokuqala

• Iningi lamanani e-DeFi athengiswayo avela kumaselula, okwenza kube yingxenye ebalulekile yokuthuthukiswa kwe-DeFi ngo-2026 nangale kwalokho. 
• Amapulatifomu amaningi eDeFi abika nokuthi abasebenzisi bawo bokuqala bajoyine izinhlelo zokusebenza zeselula kanye nama-wallet.  
• Izixhumi zokuxhumana ezinobungani bokuthinta, izikhathi zokulayisha okusheshayo, kanye nokudalulwa okuqhubekayo kubaluleke kakhulu kunokuphela kwesici lapho kwethulwa uhlelo lokusebenza lwe-DeFi.

4. Ukucaca Kwangaphakathi Nokwakheka Kokwethembana

• Hlanganisa amadeshibhodi emali engenayo ngesikhathi sangempela nokubuyiselwa kwemali okuqinisekisiwe noma ukwenziwa kokusabalalisa, okuphefumulelwe yi-Hyperliquid.
• Ukubuka kuqala kokuthengiselana okufundeka kubantu ngaphambi kokuqinisekiswa kwesikhwama semali okubonisa umphumela, hhayi ikheli lenkontileka, kunganciphisa ubunzima babasebenzisi.
• Izinkontileka ezihlakaniphile ezilungele ukuhlolwa kanye nabaqaphi bokubuyela emsebenzini, amaphethini okuthuthukisa abameleli, ukumiswa okwesikhashana okuphuthumayo, ukuhlolwa kwezijeziso ze-OFAC/EU kumele kuqaliswe ngesikhathi sokuthuthukiswa kwe-DeFi yesimanje.
• Ukuqinisekiswa okusemthethweni (i-Certora) kanye nokuhlolwa kwezinkampani eziningi (i-CertiK + Halborn) kuyadingeka kumaphrothokholi okukhiqiza.

5. Ama-Gamified Retention Mechanics

• Izinhlelo ze-XP kanye nemivuzo kumele zixhunywe emisebenzini yephrothokholi, okuhlanganisa ukuhweba, ukuhlinzekwa kwemali, ukubamba iqhaza kokubusa, njll.
• Amabhodi wabaphambili, imigqa, kanye nezici zomphakathi ezidala imikhuba yokubuyela emuva ngaphandle kwe-APY kumele zibekwe phambili ngesikhathi sokuthuthukiswa kohlelo lokusebenza lwe-DeFi.
• I-flywheel yemali yokuthenga kabusha kumele isetshenziswe lapho u-80%+ wemali engenayo yesikhulumi iqondiswe ezinhlelweni zamathokheni ezivunyiwe nguhulumeni (i-DIP-004 / imodeli ye-Hyperliquid).

Izindleko Zokuthuthukiswa Kwe-DeFi Yanamuhla kanye Nokuhlolwa Kwesikhathi Kwangempela Kwango-2026

Ipulatifomu ye-DeFi elungele ukukhiqizwa ene-stack egcwele okuxoxwe ngayo ngenhla, okuhlanganisa ukuhlukaniswa kwama-akhawunti, umzila we-chain-agnostic, ukwakheka kweselula-kuqala, ukucaca kwe-on-chain, kanye ne-retention mechanics, ingakhiwa ezinyangeni ezi-3-6 yinkampani yokuthuthukisa i-DeFi enolwazi.

Ungavumeli izinkampani ezithi “sinabathuthukisi bokuqina” zikudukise. Zingase zikhokhise imali encane kodwa zingase zingabi yizo ezikhethekile ekuthuthukisweni kwe-DeFi kusukela ekuqaleni kuya ekugcineni okuhlanganisa ukwakheka kwenkontileka ehlakaniphile, ama-tokenomics ephrothokholi, ukuhlanganiswa kwe-frontend kanye ne-wallet, ingqalasizinda ye-backend indexing, ukulungiselela ukuhlolwa kokuphepha, kanye nokufakwa kwe-multi-chain. 

Ithimba elinikeza kuphela ungqimba lwenkontileka ehlakaniphile yokuthuthukiswa kwepulatifomu yakho ye-DeFi likushiya uqoqa okusele kubathengisi abahlukene, okudala ingozi yokuhlanganiswa kanye nezikhala zolwazi kuzo zonke izingxoxo.

"Icebiso Elisheshayo"

Beka eceleni u-15-25% wesabelomali esiphelele sokuhlolwa kwezokuphepha. Ukweqa ukuhlolwa kuyiphutha elibiza kakhulu ekuthuthukisweni kwe-DeFi. Iphutha elilodwa kuphrothokholi esetshenzisiwe lihlala njalo, lihlala njalo, futhi livame ukuba yinhlekelele.

Indawo Elawulwayo Yokuthuthukiswa Kwe-DeFi Kuwo Wonke Amazwe ase-US, e-UK, e-UAE nase-Australia

Igebe le-DeFi UX Liyithuba: Yakha Ngaphambi Kokuthi Livalwe

I-Robinhood iguqule ezezimali zendabuko ngokwenza ukuhweba ngamasheya kube mahhala futhi kutholakale kalula kusuka ku-smartphone. Ayikwazanga ukungena endaweni ye-DeFi ngokuzigcina, ukusebenzisa amandla aphezulu, ngaphandle kwemvume. I-DeFi yendabuko yakha imikhiqizo yezezimali encintisanayo kodwa ayikwazanga ukugcina abasebenzisi abayizamile. Ukuphela kwengxenye yephazili elahlekile ungqimba lokusebenza lwe-DeFi lwezinga lomsebenzisi olungenza amapulatifomu amaningi e-DeFi awine amakhasimende ngisho nakubaholi be-web2. 

I-Defi.app ifakazele ukuthi uma uxazulula ukuhoxiswa kwegesi, ukuqhekeka kweketanga, kanye nokugcinwa kwayo ngasikhathi sinye, abasebenzisi bayavela futhi bahlale. Inani eliqongelelwe lamaRandi ayizigidigidi ezingama-44 kanye nezinye izibalo okukhulunywe ngazo ngenhla ziwubufakazi. Ipulatifomu elandelayo ye-DeFi exazulula lezi zinkinga ngezinga ingaba yipulatifomu yakho. 

Ingabe usukulungele ukwamukela abasebenzisi abalandelayo abangama-$500M ku-DeFi?

U-Antier useke wakwakhela lokhu amabhange, ama-fintech alawulwayo, izinhlelo zezimpahla zedijithali ezixhunywe nguhulumeni, njll. Bakhonze amakhasimende emazweni angaphezu kwe-110 nethimba labo lochwepheshe be-DeFi abanolwazi abangaphezu kuka-700.   

Lokho i-Antier eyakhela khona amaklayenti ayo e-DeFi

Okulandelayo amanye amakhono okuthuthukisa i-Antier's DeFi :

• Ukushintshaniswa okuhlukaniswe (i-DEX) ne-AMM, incwadi yoku-oda, kanye namamodeli e-hybrid
• Izinqubo zokuboleka nokuboleka ze-DeFi ngokuphathwa kwesibambiso okuzenzakalelayo
• Amapulatifomu okulima isivuno kanye nokubeka inzalo anezindlela ezihlakaniphile zokukhuthaza izinkontileka
• Izinhlelo zokusebenza ze-DeFi zabathengi ezithathwe ngegesi ezine-akhawunti ye-ERC-4337
• Izixhumi ze-chain-agnostic ezisekela i-Ethereum, i-Solana, i-Arbitrum, i-Base, i-Polygon, i-Avalanche
• Izendlalelo zokugcina ze-DeFi ezihlanganisiwe ezifaka phakathi izinhlelo ze-XP, amabhodi wabaphambili, kanye nama-flywheels enkokhelo yokuthenga kabusha
• Amapulatifomu e-DeFi ezikhungo anomklamo wokuthobela imithetho we-MiCA / VARA / FCA
• Ukukhishwa kwe-RWA tokenization + DeFi rails: ukukhishwa okuhambisanayo okunokuhlanganiswa okuphezulu kweDeFi
• Ukuhlolwa kwenkontileka okuhlakaniphile kanye nokubuyekezwa kokuphepha (kubambisene ne-CertiK kanye ne-Halborn)

Ngaphandle kwalokhu, amaqembu okuthuthukisa e-Antier ajwayelene nezidingo zokuthobela imithetho ezindaweni eziningi ezinobungani be-crypto. Izakhiwo zethu zifaka phakathi i-KYC/AML gating, ukuhlolwa kwezijeziso, kanye nokwakhiwa kwenkontileka ehlakaniphile ekulungele ukuhlolwa kusukela ngosuku lokuqala.

Xhumana ne-Antier ukuze uthole ukuhlolwa kwemephu yakho yokuthuthukiswa kwe-DeFi yamahhala.