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Kāinga Akademia Ngā Ārahi He aha te TVL i te Crypto?
Mātāpono DeFi

He aha te TVL i te Crypto?

Ko te Utu Katoa Kua Rarua te tauine nui rawa i te DeFi. Akohia te tikanga o TVL, me pēhea te tatau, me te whakamahi i te mea hei arotake i ngā tikanga me ngā poraka.

10 meneti pānui I whakahoutia Māe 2026 Mātāpono DeFi
Wāhanga 1

He aha te TVL?

Utu Tapahi Katoa (TVL) he uara tapeke o te moni tāra o ngā rawa crypto katoa i tāpuitia ki tētahi DeFi kaupapa's kirimana atamai. Ina ka tāpui te kaiwhakamahi i te ETH ki tētahi pūreke kāri, ka whakatakoto tohu i tētahi kaitirotiro, rānei ka tuku waiwai ki tētahi whakawhiti kāore i te rangatū, ka "kati" ēnei rawa i te kaupapa, ā, ka tatau ki tōna TVL.

Ki te whakaaro ki TVL hei ōrite o DeFi ki te "assets under management" i te pūtea tuku iho. Pērā i te AUM e whakaatu ana i te nui o te moni e whakahaere ana te pēke, te pūtea rānei, e whakaatu ana a TVL i te nui o te pūtea i whakawhirinaki ngā kaiwhakamahi ki tētahi tikanga DeFi. Ka nui ake te TVL, ka nui ake te pūtea e whakahaere ana te tikanga.

Mai i te marama o Poutū-te-rangi 2026, te tapeke katoa o te TVL DeFi puta noa i ngā aho katoa e hipa ana i te $170 piriona, ka huri noa i ngā rau e hia tekau mā rua o ngā tikanga e whakahaere ana i te nama, te nama whiwhi, te whakapae, te hokohoko, me te whakaputa hua. Ka aroturuki te TVL i te wā tūturu e ngā papatono tātaitanga pērā i a DeFi Llama, ā, koia te tauira tuatahi e tirohia ana e te nuinga o ngā kaihautū i te wā e arotake ana i tētahi kaupapa DeFi hou.

Ngā Taonga Kua Whakaputaina

Ka tatau te TVL i ia tohu kua tukuna ki tētahi tikanga: ETH kua whakapae, USDC kua nama, tohu LP, taonga whakarite, me ētahi atu.

I te Moni US

Ka whakaaturia te TVL i ngā tāra US, nō reira ka rerekē te utu i ngā utu tohu ahakoa kāore he tāke, he tango moni e pā ana.

Tauira matua o te DeFi

Ko te TVL te pae tawhiti i whakamahia whānuitia rawa atu hei whakataurite i ngā tikanga DeFi, hei ine i te whakaae, me te aromatawai i te hauora o te mākete.

Wāhanga 2

Me pēhea te tatauranga o te TVL

I te pūtake, he māmā te tatauranga TVL: tāpiri te uara USD o ia tohu kei roto i ngā kirimana atamai o tētahi tikanga. I te mahi, he mea nui ngā taipitopito, ā, ka taea e ngā tikanga rerekē te whakaputa i ngā tau tino rerekē.

1

Tapeke Katoa o ngā Taonga Kua Tāuta

Ka uiho ngā kaiwhakarato raraunga i ngā kirimana atamai o te protocol's i runga i te aho ki te tautuhi i ia paerewa tohu. Mo tētahi kaupapa kāri pērā i Aave, ka whakauru tēnei i ngā taonga whakarato katoa (ETH, WBTC, USDC, aha atu) me ngā taonga kei roto i ngā pūnaha tahua. Mo tētahi DEX pērā i Uniswap, ka whakauru i ngā tohu katoa e noho ana i pūnaha liki.

Ka tāpiri te paerewa tohu ia ki tōna utu mākete o nāianei kia whiwhi i te uara USD. Ko te tapeke puta noa i ngā kirimana katoa e ōrite ana ki te protocol's TVL.

2

Utu USD me Ngā Pūrere Utu

Mai te mea kua kīia te TVL i te USD, ka tiki ngā utu tohu i ngā orākara, ngā API whakawhiti, me ngā pūrere utu kua whakakotahi. Ko tēnei tikanga, ka huri te TVL o te protocol's ia hēkona i te wā e rerekē ana ngā utu tohu, ahakoa kāore he mahi a te kaiwhakamahi. Mēnā ka piki te ETH 10% i te pō, ka kite ia protocol e pupuri ana i te ETH i te pikinga o tōna TVL i runga i te ōrite.

Ka whakaatu hoki ētahi papatono tātaitanga i te TVL i te ETH, i te BTC hei tango i ngā pānga utu, me te whakaatu i ngā huringa tāpiritanga/tangohanga mā.

3

Te Raru Tatau Rua

Ko te tatau rua te wero rautaki nui rawa atu i te ine TVL. Ka puta tēnei ina ka tatau te kotahi tāra moni o te uara i roto i ngā tikanga maha. Hei tauira: ka tāpui tētahi kaiwhakamahi i te ETH ki Lido, ka whiwhi i te stETH. Ka tatau a Lido i te ETH hei TVL. Ka tāpui te kaiwhakamahi i te stETH ki Aave hei taura pūtea. Ka tatau a Aave i tēnei hei TVL hoki. Kua tau te ETH kotahi i ngā taupū TVL e rua.

Ka whakautu a DeFi Llama ki tēnei mā te tuku i te "TVL" (ka taea te whakauru rawa kua tārua) me te "TVL e kore e tārua" mō ngā taupū whakakotahi tika ake. I te whakataurite i ngā tikanga takitahi, ka pai te tauiranga TVL standard. I te whakakotahi i te DeFi katoa, he mea nui ake te taupū kua whakatikahia.

Wāhanga 3

He aha te mea nui o te TVL

Ko te TVL ehara i te nama whakapae noa. He tohu whai tikanga ia i ngā āhuatanga maha o te hauora o te kaupapa me ngā āhuatanga o te mākete. Anei te take e aro nui ana ngā kaihautū, ngā kaiwhakatere, me ngā kaiwhakamahi ki ngā raraunga TVL.

Te Whakamana o te Kaupapa

Ko te pikinga o te TVL e tohu ana he nui ake ngā kaiwhakamahi e kōwhiri ana ki te tuku i ō rātou pūtea ki tētahi kaupapa. Koia te ine mārama rawa o te hāngai hua-mākete i te DeFi. He kaupapa e tipu ana i te $100M ki te $1B i te TVL e kukume ana i te pūtea tūturu, kāore i te kōrero whakapae noa.

Tohutohu Whakapono

Ko te TVL nui e tohu ana i te maha o ngā kaiwhakamahi, tae atu ki ngā tohorā me ngā whakahaere, e whakawhirinaki ana ki ngā kirimana atamai o te kaupapa me te pūtea nui. Ko ngā kaupapa whai TVL i ngā piriona kua whakamātauhia i te roanga o te wā. Ka taea e te TVL iti i runga i tētahi kaupapa tawhito te tohu i te ngaro o te whakawhirinaki.

Te hōhonutanga o te liki

Ko te TVL tiketike i roto i ngā kaupapa tuku nama e tohu ana i te nui ake o te pūtea e wātea ana mō te nama, ka hua i ngā utu pai ake. I ngā DEX, ko te TVL nui ake i ngā pūkete liki e tohu ana i te heke o te rerekētanga i ngā tauhokohoko. Ka pā tika te TVL ki te kounga o te ratonga ka taea e te kaupapa te tuku.

Te wairua o te mākete

Ko te TVL DeFi whānui e mahi ana hei pūtauira mō te mākete crypto whānui. Ko te pikinga o te TVL puta noa i ngā tikanga e tohu ana i te āhua o te mārō me te tipu haere o te whai wāhi ki te DeFi. Ka taea e te heke o te TVL te tohu i te whanonga kāore i te mōrearea, me te neke ki ngā kōwhiringa ā-roto.

Whiwhi 7% APY i runga i te USDC

I a koe e ako ana i ngā rahi DeFi, whakanohohia ō stablecoins ki te mahi. Ka tuku a Coinstancy i te 7% APY i runga i te USDC me te whakakotahi o ia rā, kāore he wā ārai, me te tango tere.

Tīmata te whiwhi moni i te Coinstancy
Wāhanga 4

TVL mā te Tikanga: Ngā Tikanga DeFi Top 10

Ko te āhua o te DeFi e rangatira ana e tētahi rōpū iti o ngā tikanga e mau ana i te nuinga o te pūtea katoa kua mau. Anei ngā tikanga DeFi top 10 i runga i te TVL i te tīmata o te tau 2026. He tatauranga āwhata ēnei, ā, ka huri haere ia rā.

Tūnga Tikanga Kāwai TVL (āwhata)
1 Lido Whakapūmau Rere $33.8B
2 EigenLayer Whakahoki $16.5B
3 Aave Kaupae / Whakawhiwhi $15.2B
4 EtherFi Whakahoki Wae $8.4B
5 Maker (Rangi) CDP / Moni Pūmau $8.1B
6 Uniswap DEX $6.3B
7 Ethena Moni Pūmau Hanganga $5.8B
8 Roketi Pōri Whakapūmau Rere $4.5B
9 Māramatanga Kaupae / Whakawhiwhi $4.2B
10 Morpho Kaupae / Whakawhiwhi $3.6B

Mātai: DeFi Llama, Harurua 2026. He tatauranga tata, ā, ka rerekē ia rā. Ko ngā tikanga whakatūpato me te whakatūpato anō (Lido, EigenLayer, EtherFi) e rangatira ana i ngā rārangi nā te ahumahi whakamana pūtirotiro a Ethereum. Ko ngā tikanga whiwhi pēnei i te Aave me Morpho e whai ana tata, e whakaatu ana i te hiahia nui mō te nama me te whakakaha i runga i te aho.

Wāhanga 5

TVL mā te Aho

Ko te mahi DeFi e hāngai ana ki ngā pūnaha poraka maha, engari ko te tohatoha i tino aro nui. Ka mau tonu a Ethereum hei aho rangatira i te tawhiti, ka whai i ngā whatunga whakatere Papa 2 me ngā Papa 1 e whakataetae ana.

Aho TVL (āwhata) Wāhanga DeFi Ngā Kaupapa Matua
Ethereum $95B ~56% Lido, Aave, EigenLayer, Maker
Solana $12B ~7% Marinade, Jito, Raydium, Jupiter
Arbitrum $5.2B ~3% Aave, GMX, Pendle, Radiant
Pūtake $4.1B ~2.4% Aerodrome, Aave, Morpho, Uniswap
BSC $5.6B ~3.3% PancakeSwap, Venus, Alpaca

Ethereum's rangatiratanga e puta mai i tana painga tuatahi, te mokowā hohonu, me te whakawhirinaki a ngā whakahaere. Kua tipu tere a Solana nā ngā whakawhitinga tere me ngā utu iti. Ko ngā L2 o Ethereum pērā i a Arbitrum me Base e hopu ana i te TVL e piki haere ana i te wā e neke ana ngā kaiwhakamahi ki ngā taiao utu iti, me te tiaki i te haumaru o Ethereum. Ka mau tonu a BSC i tētahi pūnaha kaiwhakamahi pono, otirā i ngā mākete o Awherika-Te Moana.

Wāhanga 6

Me pēhea te pānui i ngā raraunga TVL

Ko ngā nama TVL mā, e kōrero ana i te wāhanga o te kōrero anake. Hei tiki i te mārama tūturu, me tiro ki te TVL i te horopaki: tōna huringa i te roanga o te wā, tōna hononga ki te rahi o te mākete, me te wāhi i puta ai ngā raraunga.

Ngā Huringa TVL

Ko te tūtohi TVL o tētahi tikanga's i ngā rā 30, 90, me te 365 e whakaatu ana mēnā kei te haere te pūtea ki roto, ki waho. E tohu ana ngā ara piki mau tonu i te tipu ā-ao. Ka puta ngā pikinga ohorere ka whai i ngā heke pakanga e tohu ana i ngā hōtaka whakatenatena (ngā huringa mahi-rahi me te tuku). Rapua ngā tikanga e mau tonu ana te tipu TVL ahakoa kua mutu ngā whakatenatena tohu.

TVL ki te Kapu Mākete

Te tōpūtanga TVL-ki-utu-utu (i ētahi wā ka karangatia te Whakaurunga Katoa / TVL ratio) e āwhina ana ki te aromatawai mēnā he nui rawa te tohu o te kaupapa, he iti rānei i te whakamahinga tūturu. He ōrite nui ake i te 1.0 e tohu ana he nui ake te pūtea i tāpuitia i te uara o te tohu, e tohu ana i te āhua o te utu iti. He ōrite iti rawa i te 1.0 ka tohu pea i te utu o te tohu i runga i te whakapae, kāore i runga i ngā āhuatanga.

Terehua Pikinga TVL

Ko te TVL pūmau e tautoko ana i ngā tikanga kua whakatūria. Hei kimi kaupapa hou, tirohia te reiti tipu o te TVL. He tikanga e haere ana i te $50M ki te $500M i roto i te 6 marama (10x te tipu) tērā pea he mea nui ake i tētahi i tipu mai i te $10B ki te $11B (10% te tipu). Ka taea e te tipu tere o te TVL i roto i tētahi tikanga hou te tohu i te whakakotahitanga hua-mākete kaha, engari tirohia kia kaua te tipu e ārahi noa i ngā whakatenatena.

Wāhi hei Tirotiro: DeFi Llama

DeFi Llama (defillama.com) Ko te mea e tino whakawhirinaki ana, ā, he pūtirotiro TVL whānui rawa. Ka whānui i ngā tikanga 2,000+ puta noa i ngā aho 200+, ka whakarato raraunga hītori, ka āhei i ngā wehenga aho-ma-aho, ā, ka wehe i te TVL kua wakaa i te TVL kua tāpuitia. He pūtake-waho, kāore e whakakā ana i ngā pānui, ā, kāore e whakaae ki te utu mō ngā rārangi, ā, koia te puna raraunga tino taurite e wātea ana.

Aukati i te uaua. Whiwhi 7% APY i runga i te USDC.

Ko te tātari i te TVL, APY, me te mōrearea o te kawenata he mahi uaua. Mā Coinstancy, tāpua te USDC ka whiwhi 7% APY me te whakakotahi ia rā, kāore he here, me te tango tere. Me mātou te whakahaere i te uauatanga o te DeFi.

Open Your Account
Wāhanga 7

Ngā Whāiti o te TVL: He aha kāore te TVL e kōrero ki a koe

He tauira whaihua te TVL, engari he wāhi koretake nui tōna. Mā te whakawhirinaki ki te TVL anake ka pā ki ngā whakatau hē. Anei ngā whāiti matua me mātua mārama e te kaiwhakamahi DeFi katoa.

Tatau Rua

Hei kāore i te roa, i kōrerohia te tāra kotahi i roto i ngā taupū TVL o ngā tikanga maha. Ka tukuna te stETH a Lido ki Aave, ka namaa hei hoko i ētahi atu stETH, ka whakahoki ki te tuku, ka hangaia he raranga o te tatau rua (rānei toru). Ka taea e ngā taupū TVL DeFi whānui te whakakite i te nui o te pūtea ahurei i te pūnaha i te 30-50%.

TVL whakakaha

Ka taea e ngā kaiwhakamahi te huri i ngā tāke me ngā nama hei whakapiki i tā rātou pānga. Tāke $1M i te ETH, nama $700K i te USDC, whakawhiti mō te ETH anō, tāke anō, nama anō. Ka whakaatu te kaupapa $1.7M+ i te TVL i te $1M anake o te pūtea taketake. He ngoikore tēnei TVL whakakaha nā te mea ka tere te whakakāhore i te wā e heke ana ngā utu, e hua ana i ngā whakakāhore rerekē me te heke o te TVL.

TVL whakaaetia (kāwai)

Ngā tikanga maha ka whakarewa i te TVL mā te tuku utu token nui ki ngā kaiwhakauru. Ko tēnei “kapetā rangatira” e whai ana i ngā hua pai rawa, ā, ka wehe i te wā ka heke ngā whakaaetanga. Ka taea e tētahi tikanga e whakaatu ana i te $2B TVL i te wā o te kaupapa whakarewa token te heke ki te $200M i te mutunga o ngā whakaputa. Me mātua tirotiro mēnā ka hāngai te tipu o te TVL ki ngā kaupapa whakaaetanga.

Kāore e whakaatu i te whaihua

Te TVL teitei kāore i te tohu i te tikanga he paerewa te kaupapa, kāore rānei e whiwhi moni ana ngā kaiwhakamahi. He kaupapa kāri me te $10B TVL engari he iti rawa ngā rereke o ngā reiti pānga, tērā pea ka hua moni iti ake i tētahi kaupapa iti ake me te whakamahi nui ake. Kāore te TVL e kōrero mō te mōrearea o ngā kirimana atamai, te kounga o te rōpū, rānei i te mau tonu o te wā roa. Me hono tonu te tātaritanga TVL ki ngā raraunga moni (e wātea ana i Token Terminal) me te hītori arotake haumaru.

Wāhanga 8

Ngā Pātai Auau

He aha te tikanga o te TVL i te crypto?
TVL e tū ana mō te Total Value Locked. Ka ine i te uara tapeke o te moni katoa o ngā rawa crypto katoa i whakatakotoria ki ngā kirimana atamai o tētahi kaupapa DeFi. Ka whakauru a TVL i ngā tohu e whakamahia ana mō te tuku, te nama, te whakatūpato, te whakarato waiwai, me ētahi atu mahi katoa e mau ana ngā kaiwhakamahi i ngā rawa ki tētahi kaupapa. Koia te tauiranga e tino whakamahia ana hei ine i te rahi me te whakaae o tētahi kaupapa DeFi.
He pai ake te TVL nui ake i ngā wā katoa?
Ehara i te mea motuhake. He tohu te TVL nui ake i te nui ake o te pūtea e whakawhirinaki ana ki tētahi tikanga, ā, e tohu ana i te māia me te waiwai hohonu. Heoi, ka taea te TVL te whakakēkē mā te whakamahi i ngā whakatenatena tohu (pūtea kawehe i te wā ka mutu ngā utu), ngā huringa whakakaha, me ngā rawa kua takoto rua. Ka taea e tētahi tikanga me te $500M i te TVL tūturu te noho hauora ake i tētahi me te $2B i te TVL whakatenatena ka ngaro ina mutu ngā whakaputa.
Kei hea au e tirotiro i ngā raraunga TVL?
Ko DeFi Llama (defillama.com) te paerewa ahumahi mō te aroturuki TVL i ngā tikanga me ngā aho. Ka whakarato i ngā raraunga tūturu, ngā tūtohi hītori, ngā wehenga TVL mā te aho, me ngā tuhipoka tikanga mō te whakahaere i te tatau rua. Ko ētahi atu puna ko DeFi Pulse, Token Terminal, me ngā papamahi tikanga takitahi.
He aha te rerekētanga i waenga i te TVL me te kapua mākete?
Ko te rahi o te mākete e ine ana i te uara katoa o te pūtea huringa o te kaupapa (te utu o te tohu kua tapahia ki te maha o ngā tohu huringa). Ko te TVL e ine ana i te uara o ngā rawa kua whakatakotoria ki ngā kirimana atamai o te kaupapa. Ka taea e tētahi kaupapa te whai rahi mākete nui engari TVL iti (arā, ko te tohu e whiwhi uara nui ana engari kāore te nuinga o te tangata e whakamahi i te kaupapa), rānei mākete iti engari TVL nui (arā, ka mau te kaupapa i te pūtea nui engari kāore i te whiwhi uara tika te tohu whakahaere). Ko te ōritanga TVL ki te rahi mākete he tauira whaihua mō te aromatawai uara.
Ka taea e TVL te heke ahakoa te pikinga o ngā utu crypto?
Āe. Ka whāitiia te TVL i te USD i te nuinga o te wā, nō reira ka rerekē i ngā utu rawa. Heoi, ka taea e te TVL te heke ahakoa te mākete e pikinga ana mēnā ka tango ngā kaiwhakamahi i ā rātou tāpiritanga i tētahi tikanga. Ka taea tēnei te pā ki tētahi tukanga haumaru, ngā whai wāhitanga hua pai i wāhi kē, rānei te mutunga o ngā hōtaka tautoko. Mā te aroturuki i te TVL i ngā kupu tohu taketake (hei tauira, ETH i tāpuitia i te utu USD) ka āwhina ki te wehe i ngā panonitanga i hāngai ki te utu me ngā panonitanga i hāngai ki te whakamahinga.
He aha i rangatira ai a Ethereum i te TVL o DeFi?
Ko Ethereum te pūnaha blockchain tuatahi i tautokohia ngā kirimana atamai, ā, he nui rawa te pūkete, he tino whakamātau ngā tikanga, ā, he nui rawa te taiao kaihanga. Ko ngā pūtake nui o DeFi pērā i a Aave, Maker, Uniswap, me Lido i hangaia katoa i runga i Ethereum i te tuatahi. Ka hiahia hoki te pūtea ā-rohe ki a Ethereum nā te hītori haumaru o tēnei. Ahakoa kei te tipu tere ngā aho pērā i a Solana me Arbitrum, ka mau tonu a Ethereum i te nui ake i te 50% o te TVL katoa o DeFi.

Haere tonu ki te ako

Tirohia atu ētahi atu aratohu mō ngā tikanga DeFi, rautaki hua, me ngā ariā matua o te crypto.

Whakakotahitia tō mātauranga DeFi ki te mahi

Inā kua mārama koe ki te TVL me te mahi a ngā tikanga DeFi, whakatūwheratia ō pūtea pūmau ki te mahi. Whiwhi 7% APY i runga i te USDC me Coinstancy -- whakakotahi ia rā, kāore he here, me te tango tere.

Tīmata te whiwhi moni i te Coinstancy

Whiwhi 7% APY i runga i te USDC

Whakakotahi ia rā. Kāore he here. Tango tere. Tīmata ki te tipu i ō pūtea pūmau me Coinstancy i tēnei rā.