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Mātāpono DeFi

He aha te Whai Hua?

Me pēhea te mahi i DeFi. Mai i ngā pūkete waiwai me ngā tikanga kāri ki ngā whare taura aunoa, ako me pēhea te whakatipu hua e huri i te crypto kore mahi ki te moni whiwhi – me ngā mōrearea hei mātakitaki.

13 meneti pānui I whakahoutia Māe 2026 Mātāpono DeFi
Wāhanga 1

He aha te Mahi Whakaputa Hua?

Mahi hua he tikanga o te tuku pūtea matihiko ki pūtea motuhake (DeFi) ngā tikanga hei whiwhi hua. Mēnā kāore i te pupuri i ngā tohu i te pūkete, ka tāpiritia e ngā kaimahi hua ki ngā kirimana atamai e whiwhi mā, e whakarato pūkete, rānei e whakatakoto ngā taonga mō te utu, ngā utu hokohoko, me ngā tohu tautoko tikanga.

Ka pakaru te ariā i te wā o Te Raumati DeFi 2020, i te wā i whakarewa ai a Compound Finance i tāna hōtaka tohatoha tohu COMP i te Hune o taua tau. Ngā kaiwhakamahi i tuku, i nama rānei i ngā rawa i runga i a Compound i whiwhi tohu COMP hei utu, ā, i whiwhi hua i runga i te pānga o te pānga i rātou e whiwhi ana kē. I roto i ngā wiki, i mau te mano mārahi o ngā tāra ki a Compound, Aave, Uniswap, Balancer, me Yearn Finance i te whai e ngā kaiwhakamahi i ngā hua tiketike rawa. I piki te Uru Tapeke Kua Kati (TVL) i DeFi i te $1 piriona i te Hune 2020 ki te nui ake i te $15 piriona i te Hakihea 2020.

I tēnei rā, kua pakeke te mahi whakatipu hua ki tētahi kāwai whānui o ngā rautaki e whānui ana i te tuku nama, whakapūmau pūtea, te whakatōpū, me ngā pouaka whakatipu aunoa. I te wā i te tau 2020, kua tino taurite ngā APY toru-nau, engari ko te mahi whakatipu hua whai tikanga i runga i ngā tikanga kua whakatūria tonu tētahi o ngā ara tino pono ki te whakaputa moni ā-māori i runga i ngā taonga crypto.

Whiwhi Moni ā-Māori

Tuku crypto ki ngā tikanga DeFi ka whiwhi pānga, utu, me ngā utu tohu me te kore e mahi hokohoko ā-tinana.

Hua Whakatipu

Whakahoki anō ngā utu kua whiwhi ki te whakaputa hua i runga i ngā hua, e whakapiki ana i te hua mā ngā pouaka whakakotahi aunoa.

He rautaki maha

Kōwhiria i te whiwhinga, te whakarato LP, te whakatūpato, rānei ngā rautaki hurihuri i runga i tō manawanui mō te mōrearea me ō whāinga.

Wāhanga 2

Me pēhea te mahi o te mahi hua

I tōna pūtake, e whai ana te mahi hua i tētahi huringa māmā: tuku rawa, whiwhi utu, ā, ka taea te whakahoki anō i aua utu ki te whakakotahi i ō hua. Ka rerekē ngā taipitopito i runga i te tikanga, engari ko ngā pūnaha matua e wehe ana ki ngā kāwai e toru.

1

Te whakarato liki

Ko te āhua tino noa o te mahi whakatipu hua e whai wāhi ana ki te tuku pūkete ki roto i tētahi pūnaha waiwai i runga i tētahi kaihanga mākete aunoa (AMM) pērā i Uniswap, Curve, rānei Balancer. Ka whakapūmahi ēnei pūnaha i te hokohoko korekore mā te tuku kaiwhakamahi i te whakawhiti pūkete tika ki te waiwai pūnaha, kaua ko te whakamahi i te pukapuka tono tuku tuku.

Hei kaiwhakarato waiwai (LP), ka tuku koe i tētahi tuitui o ngā tohu (hei tauira, ETH + USDC) i tētahi ōrau kua tautuhia. Ia wā ka hurihia e te kaihokohoko ngā tohu, ka utu rātou i tētahi utu (i te nuinga 0.05% ki te 1%), ā, ko tō wāhanga o taua utu e ōrite ana ki tō wāhanga o te pūreke. I ngā tuitui nui-rua, ka taea e ēnei utu anake te whakaputa hua ātaahua.

2

Whiwhi Utu + Whakaaweawe

I tua atu i ngā utu hokohoko, ka tohua e ngā tikanga maha ngā tohu kāwanatanga ki ngā kaiwhakawhiwhi likiwi hei tautoko tāpiri. Ko tēnei tikanga, e kīia ana i te nuinga kārihi likiwi, i rongohia e te tohatoha COMP a Compound's, ā, ka mau tonu hei huarahi noa mō ngā tikanga hou ki te whakarewa likiwi. Hei tauira, tērā pea he pūreke Curve ka utu 2% APR taketake i ngā utu hokohoko me tētahi tāpiri 5-15% i ngā utu tohu CRV.

Ki ngā tikanga kāri pēnei i te Aave me Morpho, ka whiwhi ngā kaiwhakatipu hua i te painga ka utua e ngā kaiwhakaari. Ka rerekē ngā reiti tuku i te whakamahinga: i te wā ka nui te hiahia mō te nama, ka whiwhi nui ake ngā kaiwhakarato. Ka tāpiri ētahi tikanga i ngā whakaaetanga tohu anō ki runga i tēnei reiti painga taketake.

3

Whakakotahi

Ko te kaha tūturu o te whakatipu hua ka puta i te whakakotahi. Ka whāngai koe i ngā tohu utu, ka whakahoki ki te rautaki ōrite, he rautaki whai hua nui ake rānei, ka whiwhi hua anō i ō hua. Ko te mahi i tēnei ā-ringa e hiahiatia ana ngā utu hinu i ia huringa whakakore me te whakahoki, nō reira ko ngā kaihuihuinga hua pērā i Beefy Finance me Yearn Finance e noho ana.

Ka kohikohi ēnei kai-rua i ngā tāke mai i ngā mano kaiwhakamahi, ka kohia aunoa ngā utu i ngā wā tika (i te nuinga o ngā wā i te rā), ka hoko i ngā tohu utu, ka whakanoho anō i ngā moni kua whiwhi. Ko te utu hinu kua whakaaetia e tēnei tikanga e pā ana ki te katoa, ka whai hua ngā kaiwhakamahi i te whakakotahi auau me te kore e utu takitahi mō ia whakawhitinga. Ka taea e tētahi rautaki e tuku ana i te 20% APR te whakaputa tata ki te 22.1% APY i te wā e whakakotahitia ana ia rā.

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

Whakakotahi auau ia rā, kāore he here, he tango tere. Kotahi tāke, kotahi hua.

Tīmata te whiwhi moni i te Coinstancy
Wāhanga 3

Momo o te Whai Hua

Ko ngā rautaki whai hua e whānui ana i te whānuitanga o ngā mōrearea me ngā pūreke whakahoki. Ko te mārama ki ia momo e āwhina i a koe ki te hanga pūkete e hāngai ana ki ōu whāinga.

Whiwhi & Nama

Te rautaki whai hua māmā rawa. Tāuta ngā moni pūmau, ngā taonga blue-chip ki ngā tikanga kāri pēnei i te Aave, Compound, rānei Morpho ka whiwhi pānga utu e ngā kaiwhakawhiwhi. Ko te kāri moni pūmau e whiwhi ana i te 3-8% APY me te mōrearea iti o te ngaro wā poto i te mea ka tāuta koe i tētahi taonga anake.

Taumata mōrearea: Rereke ki te waenga. Ko ngā mōrearea matua ko te ngoikoretanga o ngā kirimana atamai me ngā panonitanga utu i ahuahia e te whakamahinga.

Whakapūmau Rara Wai (LP)

Tuku i ngā tihi tohu ki ngā pūreke AMM i Uniswap, Curve, Balancer, i ngā tikanga ōrite. Ka whiwhi koe i tētahi wāhanga o ngā utu hokohoko e ōrite ana ki tō wāhanga o te pūreke. Ka taea e ngā tūnga wai pūranga (Uniswap v3/v4) te whakapiki i te whiwhinga utu engari me whakahaere kaha, ā, ka mau i te mōrearea nui ake ngaro kāore i te mau mōrearea.

Risk level: Moderate. Impermanent loss is the primary concern, especially for volatile token pairs.

Whakapūmu

Lock governance tokens or LP tokens to earn additional protocol rewards. Many protocols incentivize long-term alignment by offering boosted yields to stakers. For example, staking CRV on Curve (as veCRV) boosts your LP rewards by up to 2.5x and earns you a share of protocol trading fees across all pools.

Taumata mōrearea: Rereke ki te waenga. Ka taea e ngā wā whakakapi te whakaatu i a koe ki te mōrearea utu tohu mēnā kāore e taea e koe te puta i tō tūranga i te wā he hekenga.

Ngā Rautaki Whakahoki (Huringa)

Ngā rautaki ātaata e tuku ana i te taura, e nama ana i runga i taua, ā, ka whakahoki anō i ngā taonga i namaia hei whakapiki i te whaka exposure ki ngā utu tautoko. Hei tauira: tuku ETH ki Aave, nama USDC, whakawhiti USDC ki ETH, ā, tuku anō. Ko tēnei "huringa" te whakakaha hei whakapakari i te hua whaihua mai i ngā tautoko tohu.

Taumata mōrearea: Teitei. He wāhi whakakāhore he ngoikoretanga ki te whakakōkiri mēnā ka heke ngā uara pūtea. Ka taea e te hekenga utu 20% te whakaoho i ngā whakakōkiri heke haere e muku ana i te wāhi katoa.

Wāhanga 4

Papamahi Whai Hua

Ka tuku te pūnaha DeFi i ngā mano papamahi whai hua, ia mea he rerekē ngā tikanga, ngā kōrero mōrearea, me ngā taonga tautokona. Anei ngā tikanga kua tū pakari, kua whakamahia whānuitia i tēnei Marama o 2026.

Aa

Aave

Te kaupapa tuku nama nui rawa atu me nui ake i te $20B i te TVL. Tuku rawa ki te whiwhi pānga huringa mai i ngā kaiwhiwhi. Ka tautokohia a Ethereum, Arbitrum, Optimism, Polygon, Base, me ētahi atu. I whakaurua e Aave v3 te aratau whaihua (eMode) mō ngā rawa e hono ana, e tuku ana i ngā ōrau LTV tiketike me te mōrearea whakakore iti mō ngā tārua moni pūmau.

Utu

Whakakotahi

Te tikanga i tīmata ai te hurihanga whakatipu hua me te tohatoha tohu COMP i te Hune 2020. Ko Compound v3 (Comet) i māmā ake te tauira ki ngā mākete kotahi-ā-tanga, i reira he taonga ka taea te nama i ia mākete, me ngā momo taonga tiaki maha. E mōhiotia ana mō tōna hītori haumaru pakari.

Utu
Cv

Curve Finance

Ko te AMM rangatira mō ngā whakawhiti moni pūmau me ngā rawa kua whakapiri. Ka whakamahia e ngā pūreke Curve tētahi aho hononga motuhake e arotahi ana ki te waiwai i te taha o te 1:1, e tuku ana i te heke tere iti me te whaihua utu nui. Ka ārahi te pūnaha paerewa veCRV i ngā whakaputa CRV ki ngā pūreke, e waihanga ana i te "Curve wars" meta-kēmu e whakataetae ana ngā tikanga mō te taumaha paerewa.

AMM / LP
Ba

Balancer

He AMM ngawari e tautoko ana i ngā pūreke taumaha (hei tauira, 80/20 BAL/ETH), ngā pūreke pūmau, me ngā pūreke whakapiki i te kaha. Ka taea e Balancer v3 te whakahohe i ngā pūreke e kawea ana te pūtea kore mahi ki ngā tikanga nama pērā i te Aave, hei whiwhi hua tāpiri i runga i ngā utu tauhokohoko.

AMM / LP
Bf

Beefy Finance

He kaiwhakarato hua maha-aho e whakakotahi aunoa i ngā utu mo te whiwhi i ngā pouaka 2,000+ i runga i ngā aho 25+. Ka kohia e Beefy ngā tohu utu, ka hoko, ka whakahoki ki te whakangao i ngā hua i ngā wā maha i ia rā. Ka tāpui ngā kaiwhakamahi ki tētahi pouaka, ka whiwhi tohu rīpoata e piki ake ana te uara i te wā e piringa ai te whakakotahitanga.

Kaiwhakarato
Tau

Yearn Finance

Te kaihui hua taketake, i whakatūria e Andre Cronje i te tau 2020. Ka whakamahia e ngā pouaka Yearn v3 ngā rautaki modular e tohatoha ana i ngā tāke ki ngā tikanga DeFi maha hei whakapai ake i ngā hua kua whakaritea ki te mōrearea. Yearn's rautakiā ka whakawhanake tonu, ka whakarei tonu hoki ngā rautaki pouaka ki te urutau ki ngā āhuatanga mākete e huri haere ana.

Kaiwhakarato
Wāhanga 5

Me pēhea te tīmata i te mahi whakatipu hua

Whāia ēnei hipanga ki te hanga i tō tuatahi tāke mahi whakatipu hua. Ka tūtohu mātou kia tīmata mā te rautaki tuku moni pūmau i runga i tētahi tikanga kua tū pakari hei ako i ngā tikanga i mua i te neke ki ngā rautaki āta nui ake.

1

Whakaritea he Pukoro Web3

Tāuta he pūkete rangatira-a‑kainga pērā i MetaMask, Rabby, rānei Rainbow. Tuhia tō kupu rerekē me tiaki kia haumaru i waho i te ipurangi. Mō ngā moni nui, whakamahia he pūkete pūrere (Ledger, Trezor) e hono ana ki tō pūkete tirotiro mō tētahi papamuri haumaru anō.

2

Whakapūmau i tō Pūkete & Hono ki te Ake Pae

Hokona ETH rānei USDC i tētahi whakawhiti pūtea ā-roto, ka tuku ki tō wāhitau pūkete. Mēnā kei te whakamahere koe ki te mahi ahuwhenua i runga i tētahi whatunga Papa 2 (Arbitrum, Optimism, Base), whakamahia he piriti whaimana, he taputapu whakawhiti-whatunga pērā i CowSwap ki te neke i ngā rawa ki te whatunga whāinga. Ka tuku ngā whatunga L2 i ngā utu hinu iti rawa, ā, ka taea ngā tūnga iti.

3

Kōwhiria tētahi Kaupapa & Rautaki

Mō ngā tīmata, tīmata mā te tuku kāri kotahi i Aave (tuku USDC, whiwhi 3-6% APY) rānei i te pūnaha LP moni pūmau i Curve (USDC-USDT, whiwhi 4-10% APY). Whakamahia a DeFiLlama (defillama.com/yields) hei whakataurite i ngā hua o nāianei puta noa i ngā tikanga me ngā aho. Rapua ngā rautaki e whai ana i te $10M TVL, e tohu ana i te whakawhirinaki kua whakatūria me te hohonutanga o te moni.

4

Whakaaetia & Tuku

Hono tō pūkete ki te atanga o te protocol's. Whakahāngai te kirimana atamai kia uru ki ō tohu (he tukanga hinu kotahi mō ia tohu), ka tāpiri i te nui e hiahia ana koe. Ka whiwhi koe i tētahi tohu rihīti (aUSDC, crvLP, etc.) e whakaatu ana i tō wāhanga o te pūkete, te mākete nama rānei. Ko tēnei tohu rihīti te taunakitanga o tō tāpiritanga, ā, ka piki ake te uara i te wā.

5

Aroturuki & Whakahaere

Āta whai i ō tūranga mā te whakamahi i ngā papamahi kāwai pērā i Zapper, DeBank, rānei te atanga taketake o te kaupapa. Aroturukihia tō pūāhua hauora (i ngā kaupapa kāri) kia kore e whakakāhore, ā, tirohia wā‑wātea mēnā kua heke ngā hua, kua puta he whai wāhi pai ake. Mēnā kei te whakamahi koe i tētahi pūkōrero whakakotahi hua pērā i Beefy, ka whakahaerehia te whakakotahi aunoa.

Kei te hiahia hua me te kore e pā ki te ara ako a DeFi?

Ka tuku a Coinstancy i te 7% APY i runga i te USDC me te whakakotahi ia rā, kāore he ārai, ā, he tango tere. Kāore e hiahiatia ana ngā pūkete, ngā awhi, rānei ngā utu hinu.

Whakatuwhera Kaute Coinstancy
Wāhanga 6

Mārama ki ngā Hua Whakatipu

Ehara i te katoa o ngā hua i hangaia ōrite. Ko te mārama ki te āhua e tatauratua ai ngā hua me ngā āhuatanga e kawea ana i a rātou he mea nui mō te whakatau tika i ngā whakatau whakatipu hua. Te taitara APY i runga i tētahi whai wāhi whakatipu ka taea te hē mēnā kāore koe i te mōhio ki te mea kei muri i te tau.

APR ki APY

APR (Reiti Percenti ā-Tau) he whakahoki tau māmā kāore he whakakotahitanga. Mēnā ka whiwhi koe i te 1% ia marama, ko tō APR he 12%.APY (Te Hua Percenti ā-Tau)

Ko te nuinga o ngā kaupapa DeFi māmā e whakaatu ana i te APR, ā, ko ngā kaihui hua e aunoa ana i te whakakotahi e whakaatu ana i te APY. I te whakataurite i ngā whai wāhitanga i ngā papatono, me mātua whakarite kia whakataurite i te ōrite o te ine. He 15% APY iBeefykāore he pai ake i te 14% APR i te kaupapa taketake, nā te mea kua whakaurua kē e te taupānga Beefy te painga o te whakakotahi.

Hua Mātāmua ki te Hua Whakamōhiotanga

hua pūtake (ka kīia hoki "hua tūturu") ka puta i te mahi pūnaha organika: utu hokohoko i runga i ngā AMM, pānga i ngā nama, rānei te tiri moni a te pūnaha. He pūmau tēnei hua nā te mea e tautokohia ana e te mahi ōhanga tūturu. Ka whiwhi te pūreke Curve i te 3% i ngā utu hokohoko, ā, ka tū tonu te whiwhi utu mō te roanga o te rahi hokohoko.

Te hua whakaawe ka puta i ngā tohu kāwanatanga kua tāia hou e whāngaihia ki ngā kaiwhakauru. Ahakoa ka taea e tēnei te whiwhi moni nui, he mea piki tatauranga te nuinga o te wā: kei te tā te kaupapa i ngā tohu hei kukume i te pūtea, ā, mēnā ka heke te utu o te tohu (he mea e heke ana i te nuinga o te wā i te wā e hokona ana e ngā kaimahi), ka heke te uara moni tūturu o te hua whakaawe. He pūkete e whakaatu ana i te 50% APY tērā pea ka whai 5% te hua taketake + 45% te hua whakaawe i tētahi tohu e heke ana 60% ia tau, ka hua he whakahoki pāhekeheke.

Kōrero Tūturu me ngā Whiwhinga Whakamā

Hei tatau i ō whiwhinga tūturu, me whai whakaaro ki: (1) ngā panonitanga utu tohu o ngā utu whakatenatena i waenga i te wā ka whiwhi ai me te wā ka hoko ai, (2) ngā ngaro kāore i te roa i ngā tūnga LP, (3) ngā utu hinu mō ngā tāpiritanga, tono, me ngā tango, me (4) te utu whai wāhi o te kaitiaki pūtea.

He tikanga māmā: mēnā ka kitea te hua e tino pai ana ki te āhua, wehea ki te hua taketake me te hua tautoko. Mēnā he nui ake i te 80% o te hua katoa i puta mai i ngā tautoko tohu, kia māia ki te whakatūpato. Ko ngā rautaki whakatipu hua tino pakari ka hangaia i runga i te tūāpapa o te hua tūturu, me ngā tautoko hei tāpiritanga, kaua ko te pūtake o te whakahoki.

Wāhanga 7

Ngā mōrearea & Me pēhea te whakaiti i a rātou

Ko te whakatipu hua kore he kore mōrearea. Ko te mārama ki ngā mōrearea motuhake me te āhua o te whakahaere i a rātou te rerekētanga i waenga i ngā hua toitū me ngā ngaro tino kino. Anei ngā mōrearea nui me te mea e tika ana mō ia kaihoko whakatipu hua.

Ngaro Wā Poto

Ka rerekē ngā utu tohu i tētahi tātau LP, ka whakahou te AMM i tō tūranga, ka waiho i a koe ki te uara iti ake i te mea e mau ana noa. Ka puta he rerekētanga utu 2x i tētahi tohu e pā ana ki te ngaro 5.7% tata ki te kore-mōrearea i roto i tētahi pūkete 50/50.

Māramatanga: Whakamahia ngā tārua stablecoin (USDC/USDT) rānei ngā tārua e pā ana (wstETH/ETH) e iti ana te rerekētanga utu. Aroturukihia ngā tūnga, ka puta atu mēnā ka nui ake te IL i ngā utu kua whiwhi.

Mōrearea Kirimana Atamai

Kāore i te DeFi protokō e kore he huinga o ngā kiripaka atamai. Ka taea e ngā hapa, ngā ngoikoretanga, me ngā whakaaetanga te whiwhi i te ngaro wāhanga, i te ngaro katoa o ngā moni kua tāpui. Ahakoa kua arotakehia ngā protokō, kua whakaaetia tonu: I ngaro te DeFi i te nui ake i te $1.7 piriona ki ngā whakaeke i te tau 2023 anake.

Whakawātea: Kia mau ki ngā tikanga me ngā arotake maha, he hītori roa, me te TVL nui. Whakaranu i ngā tikanga. Whakaarohia te inihua DeFi i Nexus Mutual, InsurAce rānei mō ngā tūnga nui.

Rug Pulls & Mōrearea

Ka taea e ngā kaihanga kino te hanga kirimana mahi whakatōpū me ngā tomokanga huna e whakawātea ana i ngā moni kua tāpui. "Rug pulls" he mea tino noa i ngā tikanga hou, kāore i arotake, e pānui ana i ngā APY tino teitei kia tere te kukume moni.

Māramatanga:Kaua e whakatipu i runga i ngā tikanga kāore i te arotake, kāore i te rōpū huna. Tirohia mēnā kua whakamanahia te kirimana i runga i te Etherscan. Whakamahia ngā kaihautū hua pērā i a Beefy e mahi ana i te arotake ātaahua i mua i te tārua i ngā pūkete.

Whakawhāiti Tokina

He maha ngā tikanga e pūtea ana i ngā whakatenatena whakatipu mā te hanga i ngā tokina whakahaere hou. Ka piki ake te whiwhinga, ka hokona e ngā kaihoko ō rātou utu, ka heke te utu o te tokina. He pūkete e pānui ana i te 100% APY i tētahi tokina e heke ana te uara, tērā pea ka hua iti ake i ngā mārahi.

Mitigation: Harvest and sell incentive tokens regularly instead of holding. Prioritize strategies with high base yield (trading fees, interest) over those reliant on token emissions. Check the protocol's emission schedule and remaining token supply.

Wāhanga 8

Yield Farming vs Staking vs Savings

Yield farming is not the only way to earn passive income on crypto. Here is how it compares to staking and centralized savings products across the dimensions that matter most.

Āhuatanga Mahi Hua Whakapūmu CeFi Savings
APY tipitipi 3-50%+ 3-8% 1-7%
Uauatanga Teitei Waenga Rāweke
Impermanent Loss Risk Yes (LP strategies) Kāo Kāo
Mōrearea Kirimana Atamai Teitei Waenga Kore
Wā Whakakapi Mā te nuinga kāore Ka rerekē (ngā rā ki ngā marama) Ka rerekē i runga i te papatono
Kaitiaki Tiaki ake (DeFi) Ake, i tuku Tiaki (CeFi)
Ngā taonga tautokona Token ERC-20 katoa Ngā token taketake PoS He moni nui anake
Utu Hāora Ngā whakawhitinga maha Kotahi wā Kore
Mō te tino pai Kaiwhakamahi DeFi kaha Kaihato mō te roanga wā Kāore i te mātau, ngā kaihautū hihiri
Wāhanga 9

Ngā Pātai Auau

He aha te mahi hua i ngā kupu māmā?
Ko te whakatipu hua he tikanga whakaurunga pūtea matihiko ki ngā tikanga DeFi hei whiwhi utu. Ka tukuna e koe ō tohu hei waiwai, hei taura rānei, ā, ka whiwhi huringa, utu hokohoko, me ngā whakatenatena tohu kāwanatanga. Whakaarohia he mahi i tō pūtea matihiko, kaua ko te waiho kia noho wātea i te pūkete.
E hia te moni e hiahia ana koe ki te tīmata i te whakatipu hua?
Kāore he iti rawa hei tīmata i te mahi whakatipu hua i runga i te nuinga o ngā tikanga. Heoi anō, i te whatunga matua o Ethereum, ka taea e ngā utu hinu te utu $5-50 mō ia whakawhitinga, nō reira ka taea e ngā tāke i raro i te $1,000 te ngaro i tētahi wāhanga nui o ngā hua ki ngā utu. Ka whakaiti ngā whatunga papamuri 2 pērā i a Arbitrum, Optimism, me Base i ngā utu hinu ki raro i te $0.10, ā, ka taea te mahi whakatipu hua me ngā moni iti. He maha ngā kaiwhakakotahi hua pērā i a Beefy Finance e whakakotahi ana i ngā whakawhitinga, ka whakaiti anō i ngā utu mō ia kaiwhakamahi.
He whaihua te mahi whakatipu hua i te tau 2026?
Kei te mau tonu te whaihua o te mahi whakatipu hua, engari kua taurite ngā hua toitū mai i ngā taumata whakapae o te 2020-2021. Ka whiwhi ngā rautaki stablecoin i te 3-10% APY i te nuinga o te wā, ka whiwhi ngā tūranga LP blue-chip i te 5-20% APY, ā, ka taea e ngā rautaki mōrearea nui e whai wāhi ana ki ngā tohu hou te hipa i te 50% APY engari ka mau i te mōrearea nui ake. Ko te matua ki te whaihua ko te mārama ki te rerekētanga i waenganui i te hua tūturu (ka whiwhi i ngā utu tukanga me te pānga) me te hua pikinga utu (ka utua i ngā tohu whakahaere hou i hangaia e te pūnaha e pea ka ngaro te uara).
He aha te ngaro wā poto, ā, pēhea te pānga ki te mahi whakatipu hua?
Ka puta te ngaro kore-mōrearea ina ka tuku koe i te waiwai ki tētahi tuitui hokohoko, ā, ka rerekē te utu o ngā tohu e rua. Ka whakahou te AMM i tō tūranga, ka waiho i a koe ki te nuinga o te tohu e heke ana te uara me te iti o te tohu e piki ana te uara. Hei tauira, mēnā ka tāpui koe i ngā uara ōrite o ETH me USDC, ā, ka rua ngā utu o ETH, ka iti ake te uara o tō tūranga LP i te mea mēnā i mau noa koe i ngā tohu. Ka karangatia te ngaro nei ko "impermanent" nā te mea ka hurihia mēnā ka hoki ngā utu ki tō rātou ōrite taketake. Ka taea e ngā utu hokohoko me ngā utu tautoko te whakaiti i te ngaro kore-mōrearea, engari i ngā mākete huringa, ka taea te whakaiti nui i ngā hua.
He aha te rerekētanga i waenga i te APR me te APY i te whakatipu hua?
APR (He Paerewa Orau Tau) he reiti pānga māmā kāore he whakakotahi. APY (He Paerewa Orau Tau Whiwhi) ka whakaurua te pānga o te whakakotahi, i reira ka whakahoki ngā utu kua whiwhi ki te whakatūpato anō hei whiwhi utu anō. Hei tauira, he 12% APR ka whakakotahia ia rā ka puta tata ki te 12.75% APY. I te mahi whakatipu hua, he mea nui te rerekētanga nā te mea he maha ngā tikanga e kī ana i te APR, engari ko ngā kaiwhakarato hua pērā i a Beefy ka whakakotahi aunoa i ōu utu, ka hurihia te APR ki te APY tiketike ake. Me mātua tirotiro mēnā ko te reiti i kīia he APR, he APY rānei i mua i te whakataurite i ngā whai wāhitanga.
He haumaru te whakatipu hua?
Ko te mahi whakatipu hua kawea he maha ngā mōrearea e rerekē ana i runga i te tikanga me te rautaki. Ka taea e ngā ngoikoretanga o ngā kirimana atamai te pā ki te ngaro pūtea ahakoa ngā tikanga i arotakehia. Ka noho tonu te mōrearea o ngā huringa rākau me ngā kirimana tohu kino i runga i ngā papamahi kāore i arotakengia. Ka taea e te whakaiti tohu te whakaiti i te uara tāra o ngā utu tautoko. Ā, ka taea e te ngaro kāore i te roa te whakaiti i ngā hua i ngā tūnga LP hihiri. Hei whakaiti i te mōrearea, kia mau ki ngā tikanga kua whakatūria me ngā pūkete kua whiwhi i ngā pūkete whai mana, whakanui i ngā rautaki, ā, kaua rawa e tuku moni nui ake i te mea e taea ana e koe te ngaro. Mā te whakamahi i ngā kaihautū whakatipu hua e whakatinana ana i ngā tiro haumaru me ngā here tāpiri ka taea hoki te whakaiti i te whakatūpato.

Kua rite ki te whakatakoto i tō crypto ki te mahi?

Timata ki te 7% APY i runga i te USDC. Whakakotahi ia rā, kāore he ārai, tango tere.