Ngā Taonga Whiwhi Tautoko Crypto Pai i 2026
He whakataurite whānui o ngā moni whakatūpato rangatira, papatono, me ngā rautaki. Ka wetewetea e mātou ngā reiti APY, ngā wā ārai, ngā mōrearea, me te āhua o te whakatūpato ki te hua stablecoin mō te whiwhi moni pūmua crypto.
I tēnei Ārahi
He aha ngā utu whakatā?
Whakatā he tukanga o te kaitiaki i ngā tohu pūtea matihiko hei āwhina i te haumaru i tētahi Proof-of-Stake (PoS) whatu pūnaha. Hei utu mō te whakakotahi i ō tohu, ka whiwhi koe i ngā moni hou i hangaia me tētahi wāhanga o ngā utu whakawhitinga. Ka karangatia ēnei utu utu whakatā, ā, ka mahi pēnei ki te whiwhi pānga i runga i tētahi tāpukapuka penapena.
Kāore i te pērā i ngā pūkete Proof-of-Work pērā i te Bitcoin e whakawhirinaki ana ki te kāhua hiko nui, ka whiriwhiri ngā whatunga PoS kaiwhakaū ki te tono me te whakamana i ngā paraka hou i runga i te maha o ngā tohu kua whakatakotoria e rātou. Ka whiwhi ngā kaiwhakaū e mahi pono ana i ngā utu; ko te hunga e mahi kino ana ka mōrea te wāhanga o tā rātou whakatakotoranga mā te tikanga whiwhinga e kīia ana whiwhinga.
Mō te nuinga o ngā kaiwhakamahi, kāore e hiahiatia te whakahaere i tētahi pūkete whakamana. Mā te kē, ka tohua ōu tohu ki tētahi kaiwhakamana kē kua tīari kē e whakahaere i te hanganga i tōu māngai. Ka whiwhi te kaiwhakamana i tētahi utu iti (i te nuinga 5-10%), ā, ka whiwhi koe i te toenga o ngā utu whakatūpato e hāngai ana ki tōu wāhanga. Mō tētahi whakaurunga hohonu ki ngā tikanga, tirohia tā mātou aratohu mō he aha te whakatūpato.
Whakatūpato Taketake ki te Whakatūpato Wae
Whakamau taketake ka tikanga ki te whakakiri i ō tohu i runga i te pūnaha pūkete. Kei te wāhanga kore hononga (i te nuinga 7-28 rā) ō tohu, kāore e taea te whakawhiti, te hoko rānei i taua wā. Ka whiwhi koe i ngā utu i te tohu taketake o te aho.
Staking ngao wera ka whakamahi i tētahi tikanga pērā i Lido, Jito hei whakatāwhai i ō tohu me te tuku tohu whakatōpū (hei tauira, stETH, jitoSOL) hei utu. Ko tēnei tohu whakatōpū e whakaatu ana i tō tūnga i whakatāwhaitia, ā, ka taea te hokohoko, te whakamahi hei taura, me te whakarewa i DeFi i te wā tonu e whiwhi ana i ngā utu whakatāwhai. Kua tipu tere te staking ngao wera mai i te tau 2023, ā, ināianei e whakatakotoria ana i te nui ake i te 30% o ngā ETH katoa i whakatāwhaitia.
Ngā Moni Whakatāwhai Pai i te Tau 2026
The following table compares the top Proof-of-Stake cryptocurrencies by staking APY, unbonding period, minimum stake requirements, and network maturity. APY figures are approximate and fluctuate based on network participation rates, validator commissions, and tokenomics.
| Coin | APY whakatōpū | Unbonding Period | Min Stake | Staking Method | Liquid Staking Available |
|---|---|---|---|---|---|
| Ethereum (ETH) | ~3.5% | Variable (days to weeks) | 32 ETH (solo) / Any (delegated) | Solo or Delegated | Yes (stETH, rETH) |
| Solana (SOL) | ~7% | ~2-3 days | Any amount | Delegated | Yes (jitoSOL, mSOL) |
| Cosmos (ATOM) | ~15% | 21 rā | Any amount | Delegated | Yes (stATOM) |
| Polkadot (DOT) | ~12% | 28 rā | Varies (nomination pools: 1 DOT) | Nominated / Pooled | Kati |
| Avalanche (AVAX) | ~8% | 14 rā (mō te whakatūpato iti rawa 2-wiki) | 25 AVAX (i tuku) | Delegated | Āe (sAVAX) |
| Cardano (ADA) | ~3.5% | Kore (waiwai i te hoahoa) | Any amount | Delegated | N/A (kāore he ārai) |
| Celestia (TIA) | ~14% | 21 rā | Any amount | Delegated | Āe (stTIA) |
| Sui (SUI) | ~3% | ~1 wā (≈24 haora) | 1 SUI | Delegated | Āe (afSUI) |
Ngā kōrero matua i te whakataurite
Cosmos (ATOM) me Celestia (TIA) ka tuku i ngā APY ingoa teitei rawa i te tata ki te 14-15%, engari ka whai wāhi ki ngā whakatūpato nui. He nui te reiti pikinga o ngā tohu e rua, arā ko te wāhanga nui o tō hua whakatāwhi e whakakāhorehia ana e te whakaiti i te rahi o ngā tohu. Mēnā kāore koe e whakatāwhi, ka heke tō wāhanga o te whatunga i te wā. Ko te wā whakakore 21 rā i ngā whatunga e rua, ka tohu hoki ko ngā tohu kāore i te wātea mō ngā wiki e toru mēnā ka whakatau koe ki te wehe i te whakatāwhi.
Polkadot (DOT) at ~12% APY has one of the longest unbonding periods in the ecosystem at 28 days. However, the introduction of nomination pools has lowered the barrier to entry significantly, allowing users to stake with as little as 1 DOT. Polkadot's staking system is more complex than most chains, with a nominated proof-of-stake model that requires choosing up to 16 validators.
Solana (SOL) e noho i tētahi wāhi pai me ~7% APY me te wā unbonding poto rawa o ngā rā 2-3. He pakeke te pūnaha whakatūpato Solana, me ngā kōwhiringa whakatūpato wai kaha mā Jito (jitoSOL) me Marinade (mSOL). Ko te tere nui o te whatunga me ngā utu iti e mea i tēnei hei tētahi o ngā aho tino wātea mō te whakatūpato.
Ethereum (ETH) i te ~3.5% APY he te whiwhinga iti rawa i waenga i ngā aho PoS nui, engari ka whai hua i te māmāwai hohonu rawa, te pūnaha ekosistemi nui rawa, me te hanganga whakatāwhi pūkete tino pakeke. Ko te whakakotahitanga o te stETH (Lido) me te rETH (Rocket Pool) me te whakakotahitanga DeFi i runga i ngā tikanga pērā i te Aave me te Morpho e tohu ana ka taea te whakapiki nui i ngā whiwhinga whaihua ki tua atu i te reiti taketake o te whakatāwhi.
Cardano (ADA) he ahurei i te mea ko te whakatāpae he rite mā te taiao -- kāore ōu tohu e mau, ā, ka taea e koe te whakapau, te tuku rānei i a rātou i ngā wā katoa i a koe e whiwhi ana i te ~3.5% APY. Ka whakatūria tēnei i te whakatāpae ADA hei tētahi o ngā wheako tino hāngai ki te kaiwhakamahi i te rāngai, ahakoa kei te pito iho te APY.
Whakatāpae Taketake vs Whakatāpae Rere vs Whakatāpae Kua Tohu
He toru ngā huarahi matua mō te whakatūpato i tō crypto, ia mea he rerekētanga o ngā painga i waenga i te māmā, te hua, me te whakawhāiti. Ko te mārama ki ēnei huarahi he mea nui mō te whiriwhiri i te rautaki whakatūpato tika.
Whakatūpato Taketake (Solo)
Ko te whakatāpae taketake e tikanga ana i tōu ake pūkete whakamana me te whakatāpae i ngā tohu tika i runga i te pūnaha pūkete. I runga i te Ethereum, me 32 ETH (~$100,000+), taputapu motuhake, me te wā tonu 24/7. Ka whiwhi koe i te utu whakatāpae katoa kāore he komihana, engari ka mau koe i te kawenata katoa mō te wā tonu, te haumaru, me te karo whakawātea.
- Kāore he utu komihana
- Te nuinga rawa o te whakakōkiri
- Mana katoa ki tō whakatāpae
- He hiahia nui mō te pūtea
- Uaua hangarau
- Mōrearea whakawātea i te wā kāore i te wā tonu
Whakatāpae kua tukuna
Ko te whakatūpato kua tukua te tikanga tino noa mō ngā kaiwhakamahi hokohoko. Ka tuku koe i ō tohu ki tētahi kaiwhakamana ngaio e whakahaere ana i te hanganga pūtaiao. Ka whiwhi te kaiwhakamana i te komihana (i te nuinga 5-10%) i runga i ngā utu ka hua mōu. Ka mau tonu koe i te rangatiratanga o ō tohu, engari ka mau ki te wā whakakore o te aho i te wā ka whakatau koe ki te wehe.
Kei te wātea te whakatūpato iho i te nuinga o ngā aho PoS, tae atu ki Solana, Cosmos, Polkadot, Avalanche, Celestia, me Sui. I runga i te Ethereum, ka mahia te whakatūpato iho mā ngā pūkete whakatūpato, kāore i te whakatūpato tika.
- Kāore e hiahiatia ana te mōhio pūtaiao
- He iti te mōkito iti
- Ka mau tonu koe i te rangatiratanga tohu
- Ka whakaiti te komihana aroturuki i te hua
- Ka kati ngā tohu i te wā whakakāhore
- He mea nui te kōwhiringa aroturuki
Whakapūmau Rere
Ka whakaae ngā kaupapa whakatāwhai ngongo ki ō tohu, ka whakatāwhai i a rātou ki ngā kaiwhakawātea, ā, ka tukuna he whakawhitinga whakatāwhai ngongo (LSD) i te utu. Ko tēnei tohu whakawhitinga (stETH, rETH, jitoSOL, mSOL) e whakaatu ana i tō tūnga whakatāwhai, ā, ka piki ake te uara i te wā e kohia ana ngā utu whakatāwhai. Ka taea e koe te hokohoko, te hoko, te whakamahi rānei i tēnei whakawhitinga i te DeFi i te wā tonu e whiwhi ana ō tohu taketake i ngā utu whakatāwhai.
Ko ngā kaupapa whakatāwhai ngongo nui ko:
- Lido (stETH) -- Te kaupapa whakatāwhai ngao rerekē nui rawa atu i te $15 piriona i TVL. Ka tukuna te stETH mō te ETH kua whakatāwhai. 10% komihana i ngā utu.
- Rocket Pool (rETH) -- He kōwhiringa motuhake ake i te Lido me ngā kaiwhakahaere pūtaiao kore whakaaetanga. Ka tukuna te rETH. 14% komihana i ngā utu. Tirohia tā mātou Whakatauranga Lido ki Rocket Pool.
- Jito (jitoSOL) -- Te kaupapa whakatāwhai ngao Solana rangatira. Ka hopukina te whiwhinga MEV (Uara Kawea Ka taea te Mōrahi) i tua atu i ngā utu whakatāwhai taketake, e tuku ana i tētahi utu APY iti.
- Marinade (mSOL) -- He kaupapa whakatere ranu Solana rongonui anō e tohatoha ana i te pūkete ki ngā mano kaiwhakawātea hei whakapiki i te whakatōpū.
- Kāore he wā whakakotahi (hokohoko i ngā wā katoa)
- Ka taea te whakakotahi o DeFi (whakamahia hei taura pūtea)
- Whiwhi utu whakatere me te hua DeFi i te wā kotahi
- Mōrearea o te kirimana atamai
- Ka taea e te hua whārite te wehe i te pūtake
- Komihana kaupapa i ngā utu
Whakatere i ngā Tauhokohoko ki te Mana Motuhake
Ka taea e koe te whakatūpato i tō crypto mā te whakamahi i tētahi whakawhiti pūtea pūmau, me te whakahaere i tō pūkete ake me te whiriwhiri i ngā kaiwhakamana tika. He rerekē ngā painga me ngā whakapae i ia huarahi e pā ana ki te ngawari, ngā utu, me te mōrearea.
Whakatāwhai Whakawhiti
Ngā whakawhiti pūtea pūmau pērā i Coinbase, Kraken, me Binance e tuku ana i te whakatūpato kotahi-pātene mō ngā tohu PoS maha. Ka whakahaere te whakawhiti i te whiriwhiri kaiwhakamana, te tohatoha utu, me te whakakore i te whakatūpato māu. Koinei te ara māmā rawa ki te whakatūpato, engari he utu kei reira.
He nui ngā utu whakatāwhi i te whakawātea. Ka tango a Coinbase i te komihana 25-35% mō ngā utu whakatāwhi, arā, mēnā ko te reiti whakatāwhi Ethereum taketake 3.5%, tērā pea ka whiwhi koe ~2.5% i muri i te tapahi a Coinbase's cut. Kraken ka utu i tētahi komihana ōrite. Binance he mea whakataetae ake i te 10-20% engari ka rerekē te wātea i ia rohe. I tua atu i ngā utu, ka pā ki a koe te mōrearea o te hoa pakihi -- ka mauhia āu tohu e te whakawātea, ā, mēnā ka pā ki te whakawātea, ka riro, ka riro te tahua i whakatāwhia i te mōrearea.
Whakatāwhi Mana Aro
Ko te whakatakoto pūtea i te rangatira ake e tikanga ana i te pūkete whai ake (pūkete pūrere, whakawhitinga pāti, rānei pūkete pūkoro) ki te tuku tika ki ngā kaiwhakamana, me te mahi tahi ki ngā tikanga whakatakoto pūtea ngongo. Ka mau tonu te rangatiratanga katoa o ō tohu, ā, ka utu i ngā utu iti, kāore rānei, i tua atu i te utu paerewa a te kaiwhakamana (i te nuinga 5-10%).
Ko te whiringa he uaua. Me rangahau koe, whiriwhiri i ngā kaiwhakawātea, whakahaere i te haumaru o te pūkete, whakatika i ngā utu hinu, me haere i ngā atanga whakatāpae motuhake mō te pūnaha blockchain. Mō Ethereum, ka taea e koe te whakatāpae mā Lido, Rocket Pool mā te whakamahi i tētahi pūkete pērā i a MetaMask. Mō Solana, ka tuku ngā pūkete pērā i Phantom i te whakatāpae tuku aunoa. Mō ngā aho pūnaha Cosmos, ka whakarato te pūkete Keplr i tētahi atanga whakatāpae kotahi.
| Tauira | Whakatāwhai Whakawhiti | Whakatāwhi Mana Aro |
|---|---|---|
| Māmā o te whakamahi | Māmā rawa (pā kotahi) | Waenga (pūkete + tuku) |
| Komihana / Utu | 25-35% | 5-10% |
| APY ETH whaihua | ~2.3-2.6% | ~3.2-3.5% |
| Mōrearea o te taha kē | Teitei | Kore |
| Mana tiaki tohu | Ka mau te whakawhiti i ngā tohu | Ka mau koe i ngā tohu |
| Kōwhiringa Kaiwhakamana | Ka kōwhiri te whakawhiti | Ka kōwhiri koe |
Kōrero whakamutunga
Mēnā kei te whakatakoto koe i tētahi moni iti, ā, ka whakaarohia te māmā o te mahi i te mea nui, ka whakaaetia te whakatakoto mā te whakawhiti. Mō ngā tūnga nui, mō te hunga e hiahia ana ki te whakapiki i te hua, me te whakaiti i te mōrearea o te hoa pakihi, ko te whakatakoto i te rangatiratanga mā te pūkete whaiaro te kōwhiringa pai ake. Ko te rerekētanga o ngā utu anake — te utu 5% ki te kaiwhakamana, ki te 25-35% ki te whakawhiti — ka piki nui haere i te roanga o te wā.
Kei te hiahia hua me te kore panoni?
Whiwhi 7% APY i runga i te USDC me Coinstancy. Kāore he here whakatā, kāore he mōrea utu, kāore he whakahaere kaiwhakamana. Whakarāpopoto i ia rā me ngā tango tere.
Open Your AccountMe pēhea te whakapiki i ō hua whakatā
Ko te whiwhi i te APY whakatā taketake he tīmatanga anake. Ka whakamahi ngā kaiwhakatā whea i ngā rautaki maha ki te torotoro i te hua tāpiri i ō rātou tūnga whakatā.
1. Whakamahia te Whakatā Rere + Te Whakapāheketanga DeFi
Ko te whakapai ake hua nui rawa atu e pā ana ki ngā rerekētanga whakatāwhai waiwai i te DeFi. Mā te whakatāwhai ETH mā Lido (ka whiwhi stETH) rānei mā Rocket Pool (ka whiwhi rETH), ka taea e koe te whakamahi i taua tohu rerekētanga hei taura i ngā kaupapa tuku kāri pēnei i te Aave, me te Morpho. Ka āhei tēnei ki te nama i ngā moni pūmau ki te taura i tō stETH, ā, ka taea e koe te tuku atu mō te hua anō.
Hei tauira: Tuku ETH mā Lido (whiwhi ~3.5% APY i te pikinga o te stETH), tuku stETH hei taonga i runga i Aave (whiwhi APY tuku tāpiri), ā, nama USDC i te reiti iti ake. Ka taea e tēnei rautaki te whakapiki i tō hua whaihua ki te 5-8% i te tūnga ETH, ahakoa ka whakaurua e ia te mōrearea whakakāhore me te mōrearea whakakōkiri me me whakahaere āta.
2. Kōwhiria ngā Kaiwhakamana Utu-iti
Ka whakaiti tika ngā komihana a te kaitirotiro i tō hua whakatā. Ka tukuna e te kaitirotiro e utu 0% komihana te utu katoa o te whakatā ki ngā kaiwhakarato, ā, ko te kaitirotiro e utu 10% komihana ka penapena te tekau o tō utu. Heoi, kāore ngā kaitirotiro 0% komihana i te mea pai tonu — ka whakamahia e ētahi te 0% hei tikanga hokohoko poto, ā, me whai moni mau tonu ngā kaitirotiro kia tiaki i te hanganga pono. Rapua ngā kaitirotiro whai komihana i te awhe 3-7% e whai pūkete kaha te wā whakakāhore, ā, kua whakahaere mō te iti rawa o te 6-12 marama.
3. Whakarāpopoto i ō Utu
Kia rerekē whiwhinga pūtea pūmau pūrere e whakakotahi aunoa ia rā, me tonoa ā‑mā ngā utu whakatūpato ka whakanoho anō. I ngā aho kua hangaia i runga i te Cosmos, ka kohia ngā utu ki tētahi paerewa e taea te tono, ā, me whakanoho anō ā‑mā kia whai hua i te whakakotahitanga . Ko te auau whakanoho anō tino pai e whakawhirinaki ana ki ngā utu hinu me te rahi o te utu -- mō ngā tūnga iti, he pai ake te whakanoho anō ia wiki, ia marama i te utu i te rā ia rā.
4. Aukati i te mōrea o te tapahi
Ka taea e te whakakāri te muku tonu i tētahi wāhanga o ō tohu kua whakatūpato mēnā ka pāwhiritia e tō kaitātaritanga ngā paraka rua, rānei ka pā ki te wā whakatā roa. Hei whakaiti i te mōrearea o te whakakāri: whānuihia tō tuku ki ngā kaitātaritanga maha, tīpakohia ngā kaitātaritanga whai pūkete mō te wā e noho ana (99.9%+), ā, kaua e whiriwhiri i ngā kaitātaritanga kua nui rawa (e pupuri ana i tētahi wāhanga nui o te network's stake). I runga i te Ethereum, ka tīmata ngā whiu whakakāri i te 1 ETH, ā, ka piki ake mēnā ka whakakāria ngā kaitātaritanga maha i te wā kotahi.
5. Whakaarohia te MEV-Boosted Whakatātaritanga
Ka hopukina e ētahi kaiwhakamana me ngā tikanga roro māri te Maximal Extractable Value (MEV) -- moni tāpiri i te whakapai ake i te raupapa o ngā whakawhitinga i roto i tētahi poraka. I runga i te Ethereum, ka whiwhi ngā kaiwhakamana e whakahaere ana i te pūmanawa MEV-Boost i tētahi tāpiritanga ~0.5-1% i runga i te APY pūtake o te roro. I runga i te Solana, ka hopukina e te tikanga roro māri a Jito's te MEV kia tukuna ki ngā kaipupuri jitoSOL, ka tuku i tētahi utu iti ake i te roro SOL māmā.
Roro vs Whai Hua Stablecoin
Staking rewards and stablecoin yield are fundamentally different forms of crypto passive income, and choosing between them depends on your goals, risk tolerance, and market outlook.
| Tauira | Staking (e.g., ETH, SOL) | Stablecoin Yield (e.g., Coinstancy) |
|---|---|---|
| Yield denomination | Native token (ETH, SOL, ATOM) | Stablecoin (USDC) |
| APY range | 3-15% (in native token) | 7% (in USD terms) |
| Price volatility | High (30-80% drawdowns possible) | Minimal (USDC pegged to $1) |
| Principal stability | Fluctuates with token price | Stable ($1 = $1) |
| Lock-up period | 2-28 rā (ka rerekē i runga i te aho) | Kore (tuku tere) |
| Potenga pikinga | Teitei (mēnā ka piki te utu tohu) | Kua whakaiti ki te APY (kāore he pikinga utu) |
| Uauatanga | Waenga ki te Teitei | Raro (tuku me te whiwhi) |
| Mō te pai | Kaimau tohu roanga wā (HODLers) | Kaitirotiro e rapu ana i ngā hua pūmau, e matapae ana |
Te Rerekētanga o te Ao Tūturu
Ka taea e te kaiwhakarato e whiwhi 7% APY i runga i te Solana (SOL) te kite i ngā hua whakamīharo i te mākete toro. Mēnā ka piki te SOL ki te 50% i roto i tētahi tau, ko tō rātou whakahoki katoa (te pikinga utu + te hua whakarite) he tata ki te 57%. Engari i te mākete pōuri, ka heke te SOL ki te 40%, ka waiho i a rātou ki te ngaro -33% ahakoa te whiwhi hua whakarite.
Kei te rerekē, e mōhio ana te kaiwhiwhi hua stablecoin i te 7% APY i Coinstancy ki te tika o te moni ka whiwhi: tata ki te $700 i runga i te $10,000 tāpiritanga mō tētahi tau, ahakoa ngā āhuatanga o te mākete. Ka noho tonu te pūtake i te $10,000 (i whakatakotoria ki te USDC e pā ana ki te $1), ā, ka piri te hua ia rā me te kore ārai.
He wā ki te kōwhiri i te hua stablecoin mō te staking
- Kei te hiahia koe i ngā hua e matapae ana, e pūmau ana -- Ka hoatu e te hua stablecoin i tētahi hua pūmau i roto i ngā kupu USD me te kore e pā ki ngā panoni utu crypto.
- Kua riro e koe ngā hua -- te huri i ngā hua ki te USDC me te whiwhi 7% APY he ara hei whakapakari i te taonga kāore e whakaara anō i a koe ki te mōrea o te mākete.
- Me whai māmā koe -- Ka tuku a Coinstancy i ngā utauta tere kāore he wā whakakāhore, kāore i te pēnei i te staking e mau ana i ngā tohu mō ngā rā, wiki rānei.
- He tangata e karo i te mōrea -- kāore he mōrea tapahi, kāore he mōrea kaiwhakatau, kāore he panoni utu.
Mōrearea o te staking
Kāore te staking i te kore mōrea. He mea nui te mārama ki ēnei mōrea i mua i te tuku i ō tohu ki tētahi whakaritenga staking.
Panoni utu
Ko te mōrearea nui rawa atu i te whakatāwhi he te huringa utu o te tohu taketake. Ko te whiwhi 10% APY i tētahi tohu e heke ana 50% i te uara ka hua he ngaro 40% i ngā tikanga USD. Ka whakatakotoria ngā utu whakatāwhi i te tohu taketake, kāore i ngā tāra. I te wā o te mākete pōuri o te 2022, i heke te ETH mai i $3,500 ki $900, ā, i heke te SOL mai i $260 ki $8 — kāore he hua whakatāwhi i taea te whakakapi i ngā ngaro o taua rahi. Kia maumahara tonu, kāore ngā utu whakatāwhi e tiaki i a koe i te mōrearea utu heke.
whakawātea
Whakawhāiti he tikanga whiwhinga whiu tēnei, e wāwāhi ai tētahi wāhanga o ngā tohu kua whakatakotoria e te kaitirotiro, ka whakakorea mō ake tonu atu mēnā ka hē te kaitirotiro (tuhinga-rua, whakakāhore) rānei ka pā ki te wā roa kāore i te mahi. Hei kaiwhakawhiwhi, ka pā hoki ki ō tohu te whakawhāiti mēnā ka whiwhi whiu tō kaitirotiro i kōwhirihia. I runga i te Ethereum, he māmā noa ngā whiu whakawhāiti tuatahi (1/32 o te tahua o te kaitirotiro), engari ka taea e ngā tukanga whakawhāiti e hono ana te whiu te whakatere i te whiu nui. I ngā aho Cosmos, ko te whakawhāiti mō te wā kāore i te mahi he 0.01% noa, ā, mō te tuhinga-rua he 5%.
Ngā wā ārai me ngā wā whakakorea hononga
Ka whakakore koe i ngā tohu, ka whakakāhorea e te nuinga o ngā aho tētahi wā unbonding e kore e taea te whakawhiti, te hoko rānei i ō tohu. He wā unbonding 21 rā ngā aho Cosmos; he 28 rā a Polkadot. Mēnā ka heke te mākete i tō wā unbonding, kāore e taea te hoko i ō tohu hei whakaiti i ngā ngaro. Ko tēnei mōrearea o te kore-āhei-utu tētahi o ngā take matua i whakanui ai te whakatere-utu ngākau – ka taea te hoko wawe i ngā hua whakatere-utu i ngā mākete tārua, ka karo i te wā unbonding katoa.
Mōrearea Kāri Pūkete (Whakawhiwhi Rere)
Ka whakaurua e ngā tikanga whakawhiwhi rere he papanga tāpiri o te mōrearea kāri pūkete. Mēnā he ngoikoretanga kei te kāri whakawhiwhi rere, ka taea te whakawātea i ngā pūtea, ā, ka ngaro te hononga o te tohu whakatipu ki te taonga taketake. Ahakoa kua mahia ngā arotake whānui i ngā tikanga nui pērā i a Lido me Rocket Pool, ā, kua whakahaerehia mō ngā tau me te kore he whakatūturu, kāore te mōrearea i te kore rawa. Ko ngā tikanga whakawhiwhi rere hou i runga i ngā aho e puta mai ana, he nui ake te mōrearea kāri pūkete nā te iti o te whakamātau pakanga.
Utu whai wāhi
Kaore e taea te whakamahi i ngā tohu kua mau ki te whakatā i ngā rautaki kē -- pērā i te whakarato pūkete, te tuku nama, rānei te hoko i te wā o te taumata o te mākete. Ahakoa ka whakaiti te whakatā waiwai i tēnei āhua, ko te whakamahi i ngā hua whakatā i te DeFi e whakauru ana i te uauatanga me te mōrearea anō. He mea nui te utu whai wāhi i ngā wā o te mākete hihiri, i reira ka whai hua te āhei ki te whakahou tere i tō pūkete.
Ngā Pānga Taake o te Whakatā
Ko ngā utu whakatā i te whakatā he taake i te nuinga o ngā rohe. Ka rerekē te whakahaerenga tika i ia whenua, ā, kei te whakawhanaketia tonu ngā ture i a ngā kaiwhakahaere e whai ana i ngā tauira moni motuhake mō te crypto. Anei he tirohanga poto mō te āhua o ngā rohe nui e whakahaere ana i te moni whakatā. Mō tētahi wetewete whānui, tirohia tā mātou arotau taake crypto.
United States
Ka whakatau te IRS i ngā utu whakatā hei whakamāra auau, ka tatara i te uara mākete tika i te wā ka whiwhi. Ko tēnei tikanga, ia wā ka whiwhi koe i tētahi utu whakatā, me utu taake mō te whakamāra i te uara USD i taua wā. Ina hoko anō koe i ngā tohu kua whakatā, tērā pea ka me utu taake mō ngā hua kapetā i runga i te pikinga utu mai i te wā i whiwhi ai. Kei te aro nui ake te IRS ki te hāngai taake mō ngā moni crypto, ā, kua nui ngā whakawhitinga e tuku ana i ngā puka 1099 mō te whakamāra i te utu whakatā.
United Kingdom
Ka whakatau a HMRC i ngā utu whakatūpato hei whiwhinga rerekē e pā ana ki te taima moni. Ka whaitia te taima hua kapetā ina ka tuku i ngā tohu kua whakatūpato. He whakaaetanga kore‑taima hua kapetā, engari kua whakaiti nui i ngā tau tata nei ki te 3,000 GBP.
Tiamana
He ture taake crypto pai noa i te Tiamana. Ko ngā whiwhinga i te hoko o te crypto i mau mō te roanga o te tau kotahi neke atu he kore-utu mō ngā tāngata takitahi. Heoi, ka whakaarohia ngā utu whakatūpato hei moni whiwhinga, ā, ka taea te torohū i te wā mau mō te whakatau kore-utu mai i te tau kotahi ki te tekau tau i ētahi whakamārama. Kei te whakamārama tonu ngā ture, nō reira whakapā ki tētahi kaitohutohu taake Tiamana e mōhio ana ki te crypto.
Ahitereiria
Ka whakatau te ATO i ngā utu whakatūpato hei whiwhinga auau i te uara mākete tika i te wā ka riro, pērā i te huarahi US. He hekenga 50% o te taima whiwhinga pānga ka taea ki ngā rawa i mau mō te nui atu i te 12 marama i te wā ka hokona.
Kōrero nui mō te rīpoata taima
Ko te aroturuki i ngā utu whakatūpato mō ngā take tāke ka taea te uaua, otirā mēnā ka tohua ngā utu i te wā tonu (ia wāhanga rānei, ia poraka rānei). Whakamahia ngā pūmanawa tāke crypto motuhake pērā i a CoinTracker, Koinly, me TokenTax hei aunoa i te aroturuki o te moni whiwhi whakatūpato. Ka taea e ēnei taputapu te kawemai raraunga whakawhitinga mai i ngā pūkete me ngā whakawhitinga, ā, ka whakaputa pūrongo tāke mō tō rohe. Ko tēnei aratohu mō ngā kaupapa mōhio anake, kāore i te whakakapi i te tohutohu tāke. Tonoa he mātanga tāke e whai tohu mō te ārahi e hāngai ana ki tō āhua.
Whiwhi 7% APY kia kore uaua te staking
Kāore he kaiwhakatau hei kōwhiri, kāore he wā whakakāhore, kāore he panoni utu. Tāuta USDC ka tīmata ki te whiwhi hua e taea ana te matapae me Coinstancy.
Timata Whiwhi I Tēnei RāNgā Pātai Auau
He aha te crypto e whai hua staking tino pai i te 2026?
He whai tikanga te whakatūpato crypto?
He aha te rerekētanga i waenga i te whakatūpato me te whakatūpato ngongo?
Ka taea e au te ngaro moni i te wā e whakatūpato i te crypto?
Me utu tāke au mō ngā utu whiwhi i te whakatūpato?
Haere tonu ki te ako
Tirohia ngā aratohu e pā ana ki te whakatūpato, te hua o te moni pūmua, me ngā rautaki whiwhi moni crypto.
He aha te whakatūpato?
Ako i ngā mātāpono o te Whakaaturanga-ā-Whakatūpato, me te āhua e tiaki ai te whakatūpato i ngā pūnaha poraka, me te āhua e taea ai e koe te whai wāhi hei kaiwhakawhiwhi.
Pānui Aratohu AratohuAratohu Hua Stablecoin
Tirohia me pēhea te whiwhi hua i runga i ngā moni pūmua pērā i te USDC me te kore e whakatūwhera i a koe ki te panoni utu crypto.
Pānui Aratohu WhakataurangaLido ki Rocket Pool
Whakatauritea ngā pūnaha whakatūpato ngiroro nui rawa o Ethereum e rua i te taha kotahi: utu, whakatōpū, APY, me ngā āhua mōrearea.
Pānui WhakatauriteTe Kōwhiringa Whakatūpato Kāore he Panoni Utu
Whiwhi 7% APY i runga i te USDC me te whakakotahi o ia rā, kāore he here, me ngā tango tere. Ngā hua e taea te matapae me te kore mōrearea utu o te whakatō i ngā token huringa.
Whakatuwheratia tō Pūkete CoinstancyWhiwhi hua e taea te matapae i runga i tō crypto
Aukati i te uaua o te whakatō. Whiwhi 7% APY i runga i te USDC me Coinstancy -- kāore he here, kāore he kaiwhakamana, kāore he huringa utu.