Is DeFi safer than CeFi?

Neither is inherently safer. CeFi concentrates risk on a single company — if it fails (as FTX and Celsius did), users can lose everything. DeFi distributes risk across smart contracts, but those contracts can contain bugs or be exploited. The safest approach is to understand both risk profiles and diversify accordingly.

Can I use DeFi without a crypto wallet?

No. DeFi requires a non-custodial wallet like MetaMask, Rabby, or a hardware wallet such as Ledger. You interact directly with smart contracts on a blockchain, so there is no account or login system like CeFi platforms offer. However, platforms like Coinstancy bridge this gap by giving you access to DeFi yields through a simple account-based interface.

Why are DeFi yields higher than CeFi yields?

DeFi protocols operate with minimal overhead — no offices, compliance departments, or shareholder profits to fund. Smart contracts replace intermediaries, so a larger share of the revenue goes directly to depositors. DeFi also tends to offer token incentives and has more competitive, transparent markets for lending and borrowing.

What happened to FTX and why does it matter for CeFi?

FTX collapsed in November 2022 after it was revealed that customer funds had been secretly lent to its sister company Alameda Research. Over $8 billion in customer deposits were lost. The collapse demonstrated the core CeFi risk: when you hand custody of your assets to a centralized entity, you are trusting that entity to manage them honestly and competently.

Do I need to pay taxes on DeFi earnings?

Yes. In most jurisdictions, DeFi yields (from lending, staking, or liquidity provision) are taxable income. The key difference from CeFi is that DeFi platforms generally do not issue tax documents, so you are responsible for tracking and reporting your own transactions. CeFi platforms often provide tax statements, which can simplify compliance.

What is the easiest way to earn DeFi yields without managing wallets and protocols?

Platforms like Coinstancy let you earn DeFi-level yields (7% APY on USDC) through a simple web interface. You deposit USDC, and the platform allocates it to vetted DeFi lending protocols on your behalf. You get daily compounding, no lock-up, and instant withdrawal — DeFi yields with CeFi-level simplicity.

Kāinga Akademia Ngā Ārahi DeFi vs CeFi

Mātāpono DeFi

DeFi vs CeFi: Ngā Rerekētanga Matua Kua Whakamāramatia

Kua whakakotahi, ā, kua motuhake? Mārama ki ngā painga me ngā ngoikoretanga i waenganui i te CeFi me te DeFi — tiaki, hua, mōrearea, me te whakatōpū — kia taea e koe te whakatau mōhio ki te wāhi ka whakatakoto i tō moni.

Tīmata te Pānui Papakupu DeFi

11 meneti pānui I whakahoutia Māe 2026 Mātāpono DeFi

I tēnei Ārahi

01 He aha te CeFi? 02 He aha te DeFi? 03 Ngā Rerekētanga Matua 04 Ngā Mōrearea CeFi 05 Ngā Mōrearea DeFi 06 Hua CeFi ki DeFi 07 Te Pai o ngā Ao E Rua 08 He mea tika mōu? 09 Pātai Auau

Wāhanga 1

He aha te CeFi?

Pūtea Kotahi (CeFi) e pā ana ki ngā papatono cryptocurrency e whakahaerehia e ngā kamupene e mahi hei pūkete i waenga i ngā kaiwhakamahi me ngā ratonga pūtea. Whakaarohia a CeFi hei tauira pūtirotiro tuku iho kua whakamahia ki te crypto: ka hangaia e koe tētahi pūkete, ka whakamana i tō tuakiri, ka tāpui moni, ā, ka whakahaere te kamupene i ngā mea katoa mōu.

Ko ngā papatono CeFi nui rawa — Binance, Coinbase, Kraken, me Crypto.com — e mahi ana hei whakawhiti pūtea ā-roto (CEXs). Ka tiaki rātou i ngā pukapuka ota, tiaki rawa a ngā kaiwhakamahi, tukatuka i ngā tāke, ā, e hāngai ana ki ngā ture i ngā rohe e whakahaerehia ana e rātou. Ina hoko koe i te Bitcoin i Coinbase, ka mau te whakawhiti pūtea i tō Bitcoin ki ōna kāpua ake kia kore e tango i a koe.

Kei roto i te CeFi hoki ngā papatono tuku (i te wā o BlockFi, Celsius, Nexo), ratonga utu, me ngā otinga tiaki. Ko te aho kotahi he tūmahi tuatoru e whakawhirinaki ana e whakahaere i ō pūtea, ka whakatinana i ngā whakawhitinga i tō taha. Ka tukuna e tēnei tauira te māmā me te wheako kaiwhakamahi mōhiotia, engari ka whai i tētahi whakawhiringa nui: me whakawhirinaki koe ki te kamupene kia kaua e hē, e ngaro, i te taha rānei i ō rawa.

Tiaki

Ka pupuri te papatono i ō kī tūmataiti, ka whakahaere i ō pūtea. Ka whakawhirinaki koe ki tō rātou haumaru me te kaha pūtea.

KYC e hiahiatia

Me whakamanahia te tuakiri (pūkete, whakaahua-a‑kōrero, taunakitanga wāhi noho) i mua i te hoko, te hoko atu rānei.

Tauira Tūmatanui

Ka whakahaere pēnei i tētahi pēke, tētahi kaihokohoko: tautoko kiritaki, ara whakauru moni fiat, rōpū whakarite i raro i ngā ture me te whakahaere pakihi.

Wāhanga 2

He aha te DeFi?

Moni Whakawhitinga (DeFi) ka whakakapi i ngā kaiwhakawhiti ki kōtaha atamai — ngā hōtaka e whakatinanahia ana aunoa i runga i ngā poraka puka puka pērā i te Ethereum. Mā te kore e whakawhirinaki ki tētahi kamupene ki te pupuri me te whakahaere i ō pūtea, ka whakawhiti kōrero tika ki te waehere mārama, tuwhera-ipurangi e taea e te tangata katoa te tirotiro me te whakamana.

Ko ngā tikanga DeFi e kapi ana i ia ratonga pūtea e kitea ana i te CeFi me te nuinga atu: te hokohoko i ngā taurewa korekore (DEXs) pērā i Uniswap, te tuku me te nama i runga i Aave rānei Morpho, te whakapai ake o te hua i runga i Beefy Finance, me stablecoin penapena. Te rerekētanga matua: ka mau tonu koe i te mana o ō taonga i ngā wā katoa.

Ko DeFi kore whakaaetanga (ētehi tangata kei a rātou he pūkete ka taea te whai wāhi, kāore he KYC), ka taea te whakakotahi (ka taea te whakatōpū i ngā tikanga pērā i ngā paraka Lego), ā, mārama (ka tuhia ia whakawhitinga ki te pūkete pūmua a te marea). Ka hanga ēnei āhuatanga i tētahi pūnaha pūtea e tuwhera, e arotakea, ā, e aukati ana i te whakaiti — engari ka whakaurua hoki e rātou ngā kāwai hou o te mōrearea kāore e kite ana e ngā kaiwhakamahi CeFi.

Kāore i te tiaki

Ka whakahaere koe i ō kī tūmataiti. Ka noho tonu ngā moni i tō pūkete kia tae noa koe ki te mahi tahi me tētahi kirimana atamai.

Kore whakaaetanga

Kāore he KYC, kāore he puka rēhita, kāore he here ā-rohe. Ka taea e te tangata kei te whai hononga ipurangi me te pūkete te whai wāhi.

Ka taea te whakakotahi

Ka hono ngā tikanga ki a rātou anō pērā i ngā pouaka hanga. Whakaū i te nama i Aave, whakawhiti i Uniswap, me te tāpui ki te pouaka hua — i roto i tētahi whakawhitinga kotahi.

Wāhanga 3

Ngā Rerekētanga Matua: DeFi ki te CeFi

Ko te tautohetohe i waenganui i te DeFi me te CeFi kāore i te mōhio ki te mea ko tēhea "pai ake" — he mōhio ki ngā whakawhitinga kōrero kia taea e koe te whiriwhiri i te taputapu tika mō tō āhua. Kei raro nei he whakataurite tata i ngā āhuatanga nui rawa.

Āhuatanga	CeFi	DeFi
Kaitiaki	Ka pupuri te papatono i ō pūtea	Ka pupuri koe i ō kī ake
Mārama	Mā te kāore i te mārama — whakapono ki ngā kīanga a te kamupene	Katoa i runga i te aho, ka taea te arotake e te tangata katoa
Uru	Me whai KYC, he here ā-rohe	Kāore he whakaaetanga, wātea ki te tangata katoa
Utu	Utu hokohoko + utu tango + whakawhitinga	Utu hinu + utu kaupapa (i te nuinga he iti ake)
Tere	Mā te wā tonu (pukapuka pūkete ā-roto)	Wā poraka e whakawhirinaki ana (hēkona ki meneti)
Uru	0.5%–4% i runga i ngā moni pūkete pūmau	3%–12%+ i runga i ngā moni pūkete pūmau
Whakahaere	Kua whakahaere, kua raihana, kua inihua (ka rerekē)	Mō te nuinga kāore i te whakahaere, ko te waehere te ture
Whakaora	Awhina kiritaki, tautuhi kupuhipa	Kāore he whakahoki mēnā ka ngaro ō kī

Wāhanga 4

Ngā mōrearea CeFi: Ina rahua te kaiārahi

Ko te oati matua o CeFi ko te māmā: tuku ō rawa ki tētahi kamupene e whakapono ana, ā, ka tiaki i a rātou kia haumaru. I horapa te pakaru crypto o te 2022 i taua oati mō ngā mano kaiwhakamahi. E toru ngā rahinga rongonui e whakaatu ana he aha te mōrearea o te taha kē e tohu ana i te ngoikoretanga matua o te pūtea ā-roto.

FTX — $8 Piriona i ngā ngaro a ngā kiritaki

He tauhokohoko moni matihiko nui tuatoru a FTX i te ao. I te Whiringa-ā-nuku 2022, i hinga ia i roto i ngā rā toru i muri i te whakakite a CoinDesk i te mea ko Alameda Research — FTX's sister trading firm — i pupuri i ngā piriona tāra i ngā tohu FTT kāore i te rereke i runga i tōna rārangi pūtea. I whakatūria e te whakakite he whakatere pēke. FTX kāore i taea te whakatutuki i ngā tango moni nā te mea i i tuku huna i te nui ake i te $8 piriona i ngā tāke kiritaki ki Alameda hei whakakapi i ngā ngaro tauhokohoko me ngā paraka mōrearea.

Ko te kaiwhakatū Sam Bankman-Fried i whakatau i te hara me te whiwhi i te whakatau i te 25 tau i te whare herehere. I tatari ngā kiritaki i ngā tau mō te utu wāhanga mā ngā tukanga pakaru. Te akoranga: ahakoa te papatono CeFi tino whakanuia, ka taea te kore utu i muri i ngā tatau, ā, kāore koe e mōhio kia tae ki te wā e taweretia ana.

Celsius Network — Ngā Tangohanga Kōmiri, Pakaru

Celsius marketed itself as a "pēke mō te crypto," offering yields up to 18% on deposited assets. I muri i te tirohanga, i tuku te papatono i ngā pūtea a ngā kiritaki ki ngā rautaki DeFi e piki haere ana te mōrearea me ngā haumi kāore i te māmā ki te hoko. When the Terra/LUNA collapse triggered a market downturn in June 2022, Celsius ka aukati i ngā tono katoaka mau $4.7 piriona i ngā rawa a ngā kiritaki.

I tono te kamupene i te rīpoata whatumanawa 11 i muri i te marama kotahi. Ko tana kaitāutanga, a Alex Mashinsky, i whai muri i te whakakāhore i te hara. Ngā kaiwhakamahi i whakawhirinaki i ā rātou penapena ki Celsius i ako i te ara uaua, ko ngā hua CeFi teitei he mea i puta mai i te mōrearea kāore i te taea te tautoko, kāore i te whakapuaki.

BlockFi — Te horapa mai i te FTX

Kua utu kē a BlockFi i te whakatau a te SEC mō te $100 miriona mō tōna hua hua kore rēhitatanga i te wā i pā te hinga o te FTX i te patu whakamutunga. He nui te pānga o BlockFi ki te FTX me te Alameda Research, ā, i tono i te hara i te marama Noema 2022 — he wiki anake i muri i te FTX. I ngaro e ngā kaiwhakamahi te urunga ki ō rātou moni, ā, i whakaae te kamupene i te mutunga ka whiwhi te nuinga o ngā kiritaki i te wāhanga noa iho o ō rātou tāke. I whakaatu te wāhanga me pēhea He pāwera te mōrearea hoa pānga CeFi: ka taea te rahinga o tētahi papatono's te huri puta noa i te pūnaha pūmau katoa.

Wāhanga 5

Ngā mōrearea DeFi: He aha te mea ka hē

Ka whakakore a DeFi i te mōrearea o te hoa pakihi engari ka whakaurua ōna ake mōrearea. Kāore he tautoko kiritaki, kāore he tiaki i te tinihanga, ā, kāore he whatunga haumaru a te ture. Mēnā ka hē tētahi mea, he mutunga mutunga, kāore e taea te whakahoki ngā ngaro.

Ngā hapa i ngā kirimana atamai

Ko te waehere he ture, engari ka taea e te waehere te whai hapa. Kua whakakore ngā whakaaetanga i ngā mano mano i ngā pūnaha DeFi. Ahakoa ngā kirimana i arotakehia, kāore i te kore — ka whakaiti ngā arotake i te mōrearea engari kāore e taea te whakarite i te tōtō. Ko te whakaeke piriti Wormhole o te 2022 ($325M) me te whakaaetanga Euler Finance o te 2023 ($197M) he whakamaumahara tino nui.

Whakawhakarite Oracle

Ka whakawhirinaki ngā tikanga DeFi ki ngā orākara utu (pērā i a Chainlink) hei tautuhi i ngā uara rawa. Mēnā ka whakakē te kaitōpū i ngā raraunga orākara — mā ngā whakaeke nama tere, ngā whakatūturu iti‑utu — ka āhei rātou ki te hēki i tētahi tikanga kāri ki te tuku nama kāore i te whakakapi tika, me te whakakāhore i ngā tūnga i te tikanga hē.

He huringa rākau

Ka waihanga ngā kaihanga kino i ngā tohu, ngā tikanga rānei, ka kukume i ngā tāke mā ngā oati APY tiketike, ā, ka whakawātea i te pūreke waiwai ka ngaro. He mea tino pākehā tēnei ki ngā kaupapa kāore i arotakehia i runga i ngā aho hou. Me mātua tirotiro i te hītori arotake o te tikanga, te mana o te rōpū, me te ara TVL i mua i te tāke.

Uaua & Hapa Kaiwhakamahi

Ka hiahiatia e DeFi te mātauranga hangarau: te whakahaere i ngā kī tīmata, te mārama ki ngā whakaaetanga tohu, te hīkoi i ngā utu hinu, me te aromātai i te mōrearea o te tikanga. Ka taea e tētahi whakawhitinga hē kotahi — te tuku tohu ki te wāhi hē, te whakaaetanga i tētahi kirimana kino — te ngaro mutunga‑kore o ngā moni kāore he ara whakahoki.

Aukati i te uaua. Puritia ngā hua.

Ka whiwhi koe i te 7% a Coinstancy APY i runga i te USDC me te whakakotahi ia rā, kāore he ārai, me te tango tere. Ngā hua DeFi, ka tukuna mā tētahi atanga māmā — kāore he pūkete, kāore he utu hinu, kāore he uaua.

Whiwhi 7% APY i runga i te USDC

Wāhanga 6

CeFi ki te DeFi Hua

He mea nui rawa atu i te take ka torotoro te tangata ki te DeFi ko te rerekētanga o te hua. Ka tuku ngā papatono CeFi i te APY iti APY i runga i ngā moni pūmau nā te mea ka tango rātou i tētahi tapahi nui, ka pūtea ngā mahi hātepe, ā, ka utu ngā moni tāpiritanga mō ngā kaipupuri hea. Ka tuku ngā tikanga DeFi i te nuinga o te moni whiwhi ki ngā kaiwhiwhi moni, ā, ka hua ake ngā reiti teitei tonu.

Papamahi	Momo	USDC APY	Kati
Coinbase	CeFi	4.0%	Kore
Binance Whiwhi	CeFi	2.5%–4.5%	Ngā wā whakarerekē / 30-120 rā
Crypto.com	CeFi	1.5%–3.0%	Ngā wā whakarerekē / 1-3 marama
Aave v3	DeFi	4.5%–7.0%	Kore
Morpho	DeFi	5.0%–9.0%	Kore
Beefy Finance	DeFi	5.0%–12.0%	Kore
Coinstancy	Arawhata	7.0%	Kare — instant withdrawal

He tatauranga āwhata tēnei, ā, ka rerekē i runga i ngā āhuatanga o te mākete. I whakahoutia whakamutunga i te marama o Poutū-te-rangi 2026.

Wāhanga 7

Te Pai o ngā Ao Rua

Ko te tautohe a DeFi me CeFi i te nuinga ka whakaatu i tētahi rerekētanga rūpē. I te mahi, kei te puta mai he kāwai hou o ngā papamahi e whakakotahi ana ngā hua i te taumata DeFi me te wheako kaiwhakamahi i te taumata CeFi. Ka whakahaere ēnei papamahi i te uaua o te whakawhitinga ki ngā kawa DeFi i muri i te tirohanga, i te wā e hoatu ana i te kaiwhakamahi he atanga māmā, e mōhiotia ana ki te tāpiri, te whiwhi, me te tango moni.

Coinstancy i hangaia i runga i tēnei ariā. Mēnā e tono ana ki a koe ki te whakahaere pūkete, haere i ngā utu hinu, arotake kōtaha atamai mōrearea, ā, ka whakakotahi ā‑muri ā‑tōu, ka mahia e Coinstancy ngā mea katoa mōu. Ka tāpui koe i te USDC, ā, ka tohaina e te papatono ki ngā tikanga kāwanatanga DeFi kua tirotirohia hei whakaputa hua.

Te hua: 7% APY on USDC me te whakakotahi i ia rā, kāore he wā kaitiaki, me te tango tere. Ka whiwhi koe i te painga o te hua o DeFi me te kore whakahaere pūkete, utu hinu, rānei te āwangawanga o te kōwhiringa kaupapa e mau ana te nuinga o te tangata ki te taha CeFi o te taiapa.

7% APY on USDC

Ngā hua DeFi-āhua whakataetae i runga i USDC, i whakakahaia e ngā tikanga kāri i whakatūria. Ka tipu tō tōke i ia rā mā te whakakotahi aunoa.

Tango Tere

Kāore he wā ārai, kāore he tawhiti whakakā. Tukua tō USDC i ngā wā katoa, ināianei tonu. He wātea tonu tō moni.

Māmā o te Taumata CeFi

Kāore he pūkete hei whakahaere, kāore he utu hinu hei utu, kāore he kirimana atamai hei arotake. Rēhita, tāpua USDC, ka tīmata whiwhi moni.

Wāhanga 8

He mea tika mōu?

Kāore he whakautanga whānui. Ko te kōwhiringa pai rawa e whakawhirinaki ana ki tō taumata wheako, tō manawanui mō te mōrearea, me ō whāinga pūtea. Whakamahia tēnei anga hei ārahi i tō whakatau.

Mā te tīmata: tīmata ki te CeFi, ki tētahi Papamahi Piriti

Mēnā he hou koe ki te crypto, timata ki tētahi whakawhitiwhiti kua whakatūpatoia pērā i Coinbase hei hoko i ō taonga tuatahi. Hei whiwhi hua, he papatono awhi pērā i Coinstancy e tuku ana i ngā hua taumata DeFi (7% APY i runga i te USDC) kāore e hiahiatia ana he mōhiotanga DeFi. Ka karo koe i te ara ako piki haere o te whakahaere kāri, ngā utu hinu, me te aromātai kaupapa.

Kaupapa: Māmā me te haumaru. Ako i ngā mātāpono i mua i te torotoro i ngā rautaki uaua ake.

Waenga: Whakaranu i ngā mea e rua

Ka mārama koe ki te mahi o ngā pūkete me ngā whakawhitinga, whakaaro ki te wehe i tō pūkete. Puritia ō rawa hokohoko ki tētahi taonga hokohoko CeFi mō te ngawari, ā, tuku i ngā moni pūmau ki ngā kaupapa kāri DeFi (rānei ko Coinstancy) mō ngā hua tiketike. He tohatoha auau: 30%–50% ki CeFi mō te hokohoko kaha, 50%–70% ki DeFi, ki ngā papatono awhiowhio rānei mō te whiwhi moni.

Taumata:Whakapai ake i te hua me te whakanui i te rerekētanga mōrearea. Kaua e pupuri i ō rawa katoa ki tētahi kaitiaki kotahi.

Arāka: Haere ki te DeFi taketake

Ngā kaiwhakamahi wheako e mārama ana ki te mōrearea o ngā kirimana atamai, ka taea te arotake i te haumaru o te kawenata, ā, e whakāhua ana ki te whakahaere i ngā pūkete pūrere me whai whakaaro ki te haere ki te ipurangi katoa. Honohono tika ki ngā kawenata pērā i Morpho me Beefy mō te hua nui rawa me te mana katoa o ō taonga.

Kaupapa: Te hua nui rawa me te rangatiratanga. Whakaae ko koe tōu pēke ake — me tōu kaiwhakahaere mōrearea ake.

Te Piriti i waenganui i te DeFi me te CeFi

Ko Coinstancy e whakakotahi i ngā mea pai o ngā ao e rua: 7% APY i runga i te USDC me te whakakotahi o ia rā, kāore he here, me te tango tere. Tīmata te whiwhi moni i roto i ngā meneti.

Tīmata te whiwhi moni i te Coinstancy

Wāhanga 9

Ngā Pātai Auau

He haumaru ake a DeFi i a CeFi?

Kāore tētahi o ēnei e tino haumaru ake i te mea anake. Ka arotahi te CeFi i te mōrearea ki tētahi kamupene kotahi — mēnā ka rahua (pērā i te FTX me te Celsius), ka ngaro katoa ngā kaiwhakamahi i ā rātou taonga. Ka tohua te mōrearea e DeFi ki ngā kirimana atamai, engari ka taea e aua kirimana te whai hapa, te whakaaetanga rānei. Ko te huarahi haumaru rawa ko te mārama ki ngā āhua mōrearea o ngā rōpū e rua, me te whakawhānui i te whakatōpū.

Ka taea e au te whakamahi i te DeFi me te kore pūkete crypto?

Kāo. Ka hiahiatia e DeFi he pūkete kāore i te tiaki, pērā i a MetaMask, Rabby, rānei he pūkete pūrere pērā i a Ledger. Ka mahi tika koe ki ngā kirimana atamai i runga i te pūnaha poraka, nō reira kāore he pūkete, he pūnaha takiuru pēnei i ngā papatono CeFi e tuku ana. Heoi anō, ka whakakotahi ngā papatono pērā i a Coinstancy i tēnei āputa mā te tuku urunga ki ngā hua DeFi mā tētahi atanga pūkete māmā.

He aha te take e teitei ake ai ngā hua DeFi i ngā hua CeFi?

Ka whakahaere ngā tikanga DeFi me te utu iti rawa — kāore he tari, kāore he wāhanga whakatutuki, kāore hoki he hua mō ngā kaipupuri hea. Ka whakakapi ngā kirimana atamai i ngā kaiwhakawhiti, nō reira ka riro te wāhanga nui o te moni whiwhi ki ngā kaiwhiwhi moni tika. Ka whai wāhi hoki te DeFi ki te tuku whakaaetanga tohu, ā, he mākete whakataetae, mārama ake mō te tuku nama me te nama.

He aha i pā ki te FTX, ā, he aha te take e whai pānga ana ki te CeFi?

FTX i hinga i te marama Noemāra 2022 i muri i te whakakitea i te mea i tukua ngā pūtea a ngā kiritaki ki te kamupene tuakana o Alameda Research i te mea huna. I ngaro i te nui ake i te $8 piriona i ngā tāke a ngā kiritaki. I whakaatu te hinga i te mōrearea matua o CeFi: ina tuku koe i te tiaki o ō rawa ki tētahi rōpū pūmau, e whakawhirinaki ana koe ki taua rōpū ki te whakahaere i a rātou i te pono me te pūkenga.

Me utu tāke au mō ngā whiwhinga o DeFi?

Āe. I te nuinga o ngā rohe, ko ngā hua DeFi (mai i te nama, te whakatūpato, me te whakarato pūtea) he moni ka taea te utu taake. Ko te rerekētanga nui i te CeFi ko te mea kāore ngā papatono DeFi e tuku tuhinga taake, nō reira ko koe te kawenga ki te aroturuki me te rīpoata i ō ake whakawhitinga. He maha ngā papatono CeFi e tuku pūrongo taake, ā, ka whakangāwari i te whakatutuki.

He aha te ara māmā rawa ki te whiwhi hua DeFi me te kore whakahaere i ngā pūkete me ngā tikanga?

Ngā papatono pērā i a Coinstancy ka tuku i a koe ki te whiwhi hua taumata DeFi (7% APY i runga i te USDC) mā te atanga tukutuku māmā. Ka tāpui koe i te USDC, ā, ka tohaina e te papatono ki ngā tikanga kāriha DeFi kua tirotiro mōu. Ka whiwhi koe i te whakakotahi o ia rā, kāore he here, me te tango tere — ngā hua DeFi me te māmā o te taumata CeFi.

Haere tonu ki te ako

Rere ki ngā tikanga me ngā ariā kei muri i ngā hua DeFi.

Aratohu

He aha te APY i roto i te Crypto?

Mārama ki te mahi a te APY, APR, me te whakakotahi i te DeFi, me te aha e whai pānga ana ki ō haerenga.

Pānui Aratohu Aratohu

Aratohu Morpho

Kua whakapai ake te tuku nama DeFi me te whakataurite a‑iwi, ngā pouaka Morpho Blue, me te whakapai ake o te reiti.