Ma Protocol apamwamba a Inshuwaransi ya DeFi mu 2023

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Decentralized finance, kapena DeFi, ikusintha makampani azachuma ndikuyang'ana kwambiri zomanga zomwe zimayendetsedwa ndi anthu. Mwa zambiri zomwe zimagwiritsidwa ntchito mu DeFi, inshuwaransi ndiyofunikira. Ngakhale ma protocol a inshuwaransi sangakhale ndi mtengo wamsika kapena mtengo wonse wotsekedwa (TVL) wa zigawo zazikulu za DeFi monga kubwereketsa ndi kusinthana kwapakati (DEXs), amapereka phindu lalikulu lomwe lingayendetse kukula kwawo zaka zikubwerazi.

Ubwino umodzi wogwiritsa ntchito ukadaulo wa blockchain pa inshuwaransi ndikugawikana kwake. Mbali imeneyi imalola kuti anthu azioneka moonekera komanso amathetsa kufunikira kwa amkhalapakati. Izi zitha kuchepetsa kwambiri chinyengo ndikuwonjezera liwiro la zochitika, komanso kukonza kuwongolera zoopsa. Pomwe DeFi ikupitiliza kuvomerezedwa ndi anthu ambiri, ma protocol a inshuwaransi amatha kukhala njira yabwino kwa ogula omwe akufunafuna njira ina yosinthira makampani a inshuwaransi.

Malo a DeFi Mpaka Pano

Decentralized finance (DeFi) yakhala ikuwonongeka m'zaka zaposachedwa, pomwe osunga ndalama akukhamukira kunjira yatsopanoyi yoyendetsera ndikuyika ndalama zawo. Koma ndi kukula uku kwabwera chiwopsezo chowonjezereka cha kuwukira kwachiwembu ndi zotayika zina. Ichi ndichifukwa chake ma protocol a inshuwaransi akukhala ofunika kwambiri mu DeFi space.

Monga tawonera, kuwononga ma protocol a DeFi kwabweretsa kale kutaya kwakukulu kwa osunga ndalama. Malinga ndi kafukufuku wa Chainalysis, obera adaba ndalama zoposa $3 biliyoni kuchokera kwa omwe akugulitsa a DeFi mu 2022 mokha. Izi ndi zochuluka kwambiri, ndipo zikuwonekeratu kuti pakufunika kuchitapo kanthu kuti ateteze ndalama za anthu.

Ndipamene ndondomeko za inshuwaransi zimabwera. Ma protocol awa adapangidwa kuti achepetse zoopsa zomwe zimachitika ndi DeFi popereka inshuwaransi kwa ogwiritsa ntchito kuti asatayike. Uwu ndi mwayi waukulu kwa onse omwe ali ndi ndalama komanso omwe amapereka inshuwaransi, chifukwa kufunikira kwa njira zochepetsera chiopsezo kukukulirakulira m'zaka zikubwerazi.

Pansipa pali ena mwamakampani a DeFi omwe amalonjeza kwambiri inshuwaransi ya 2023:

Nexus Mutual (NXM)

Nexus Mutual ndiyopadera chifukwa imapereka kufalikira kwa DeFi komanso nsanja zapakati. Chogulitsa chake chachikulu, Smart Contract Cover, chimapereka chitetezo ku nsikidzi ndi ma hacks okhudzana ndi makontrakitala anzeru. Koma Nexus siyimayimilira pomwepa - imaperekanso chithandizo motsutsana ndi ma hacks ndikuyimitsa kusinthanitsa kwapakati ndi ma wallet osungidwa, komanso kulephera kwa zochitika zokhala ndi chiwongola dzanja.

Chitsanzo chimodzi cha izi chinali mu Ogasiti 2022, pomwe nsanja yobwereketsa ya crypto Hodlnaut idalengeza kuti ikuletsa kubweza, kusinthanitsa ma token, ndi ma depositi. Mamembala a Nexus omwe adagula Hodlnaut Custody Cover adatetezedwa kuti asachotsedwe kwa miyezi itatu. Mu Novembala, mamembalawo adatha kubweza madandaulo, ndipo Nexus idapereka ndalama zoposa $ 1 miliyoni kwa mamembala omwe adakhudzidwa.

Ecosystem ya Nexus imayendetsedwa ndi chizindikiro chake, NXM, yomwe imagwiranso ntchito ngati chizindikiro chaulamuliro. Izi zikutanthauza kuti omwe ali ndi NXM ali ndi ufulu wovota mu Nexus Mutual DAO, mofanana ndi momwe ogawana nawo ali ndi ufulu wovota mu kampani yachikhalidwe.

Pakadali pano, Nexus Mutual ndi imodzi mwama protocol omwe amafunidwa kwambiri ndi inshuwaransi ya DeFi, zomwe zimapangitsa kukhala mwayi wabwino kwambiri wopezera ndalama kwa iwo omwe akufuna kudziwa msika wa inshuwaransi wa DeFi. NXM imapezeka papulatifomu yokha, komanso pali Wrapped NXM version (WNXM) yomwe ikupezeka pa kusinthana kwapakati komanso kogawidwa. Komabe, mamembala a NXM okha ndi omwe angathe kukulunga ndi kumasula chizindikiro pa Ethereum. Mtengo ndi ntchito za awiriwa zimasiyana, koma zikuwonetsa kulumikizana kwakukulu.

Ndi gulu lamphamvu la otsatira Twitter a 41,100, mamembala 9,100 a Discord, ndi mamembala 2,400 a Telegraph, zikuwonekeratu kuti Nexus Mutual ili ndi otsatira odzipereka a ogwiritsa ntchito omwe amakhulupirira ntchito zawo.

Inshuwaransi (INSUR)

InsurAce, yomwe idakhazikitsidwa koyambirira kwa 2021, yakhala imodzi mwadongosolo la inshuwaransi mu DeFi.

InsurAce imapereka chitetezo kwa ogwiritsa ntchito ku ziwopsezo zodziwika bwino za DeFi monga ma hacks ndi ma bugs anzeru omwe angayambitse kutayika kwa ma token. Imaperekanso chithandizo chazinthu zomwe zimagwiritsidwa ntchito posinthanitsa ndi zikwama zapakati, komanso zochitika za stablecoin depeg ndi IDO. Protocol ikuphatikizidwa ndi Ethereum, Polygon, Binance Smart Chain, Solana, ndi NEAR, zomwe zimapangitsa kuti anthu ambiri azigwiritsa ntchito.

Ecosystem ya InsurAce imayendetsedwa ndi chizindikiro cha INSUR, chomwe chimagwiranso ntchito ngati chizindikiro chaulamuliro. Chizindikirocho chimagwiritsidwa ntchito kupereka mphotho kwa mamembala omwe amapereka ndalama kuti alembe zowopsa mu dziwe lolembera. Ngakhale kupsinjika kwa msika wa bearish, INSUR ikuwoneka kuti ikugwira mwamphamvu pamene DeFi ndi msika wa crypto omwe akutenga nawo gawo akupitilizabe kufunafuna mayankho ogwira mtima kuti achepetse zoopsa.

Ndi otsatira a Twitter a 42,600, mamembala a 6,300 Discord, ndi mamembala a 8,700 Telegram, InsurAce yapeza kale otsatira amphamvu. Ndizosadabwitsa kuti yakhala yachiwiri yayikulu kwambiri ya inshuwaransi ya DeFi pambuyo pa Nexus pamndandanda wathu.

Etherisc (DIP)

Etherisc anali mmodzi mwa osewera oyambirira mu malo a inshuwalansi ya DeFi, akuyambitsa bwino DeFi isanakhale chikhalidwe cha 2020. The Ethereum-based decentralized insurance platform amapereka mitundu yambiri ya inshuwalansi, kuphatikizapo inshuwalansi ya mbewu, inshuwaransi yochedwa ndege, chitetezo cha mphepo yamkuntho, crypto. inshuwaransi ya chikwama, ndi inshuwaransi ya anthu.

Etherisc ecosystem imathandizidwa ndi chizindikiro cha DIP, chomwe chimagwiritsidwa ntchito pazochita zonse papulatifomu. Pofuna kuonetsetsa kuti ntchito za inshuwaransi zili zapamwamba, opereka chithandizo amayenera kuyika ma tokeni a DIP, omwe amatha kutayidwa ngati sakugwira ntchito.

Pakali pano akuchita malonda pafupi ndi mbiri yotsika, DIP ili ndi mwayi wopezanso chifukwa cha inshuwaransi zosiyanasiyana za Etherisc, kuphatikizapo zomwe zimatsanzira zachikhalidwe. Ndi otsatira Twitter oposa 11,200, mamembala 516 a Discord, ndi mamembala 3,333 a Telegalamu, Etherisc ili ndi gulu lodzipereka la othandizira.

DeFi Ndi Njira Ikukula

Pomaliza, Nexus Mutual, InsurAce, ndi Etherisc amapereka njira za inshuwaransi za DeFi zomwe zimakwaniritsa zosowa zamagulu a crypto komanso zimapereka inshuwaransi zambiri zomwe zimatsanzira chikhalidwe chachikhalidwe. Ma protocol awa ali ndi umboni wamphamvu ndipo atsala pang'ono kukhalabe pomwe omwe akuchita nawo msika wa DeFi ndi crypto akupitilizabe kufunafuna mayankho ogwira mtima kuti achepetse zoopsa.