IiProtokholi eziphezulu ze-Inshurensi ye-DeFi ngo-2023

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IINKCUKACHA

Izimali ezinatyisiweyo, okanye i-DeFi, yenza utshintsho kwishishini lezemali ngokugxila kwiziseko ezingundoqo ezilawulwa luluntu. Phakathi kweemeko ezininzi zokusetyenziswa kwi-DeFi, i-inshurensi ibalulekile. Nangona iiprothokholi ze-inshorensi zingenakho i-cap yemarike okanye ixabiso lilonke litshixiwe (i-TVL) yamacandelwana amakhulu e-DeFi afana nokubolekisa kunye notshintshiselwano oluphakathi (i-DEXs), zibonelela ngeenzuzo ezibalulekileyo ezinokuqhuba ukukhula kwazo kwiminyaka ezayo.

Enye yeenzuzo eziphambili zokusebenzisa iteknoloji ye-blockchain kwi-inshurensi kukusabalalisa kwayo. Olu phawu luvumela ukungafihli kunye nokuphelisa imfuno yabalamleli. Oku kunokunciphisa kakhulu ubuqhetseba kunye nokwandisa isantya sokuthengiselana, kunye nokuphucula ulawulo lomngcipheko. Njengoko i-DeFi iqhubeka ukufumana ukwamkelwa okuqhelekileyo, iiprothokholi ze-inshurensi zinokuba lukhetho olusebenzayo kubathengi abafuna enye indlela kwiinkampani zeinshurensi zemveli.

Isithuba seDeFi Ukuza kuthi ga ngoku

I-Decentralized finance (DeFi) ikhe yanetha kule minyaka idlulileyo, besanda abatyali-mali bethontelana kule ndlela intsha yokulawula kunye nokutyala imali yabo. Kodwa ngoku kukhula kufike umngcipheko ophezulu wokuhlaselwa kwe-hacking kunye nezinye iintlobo zelahleko. Yiyo loo nto iiprothokholi ze-inshurensi zisiya zibaluleke kakhulu kwindawo ye-DeFi.

Njengoko sele sibonile, ukuhlaselwa kwe-Hacking kwiiprothokholi zeDeFi sele kubangele ilahleko enkulu kubatyali-mali. Ngokwedatha evela kwi-Chainalysis, abahlaseli babiwe ngaphezulu kwe-3 yeebhiliyoni zeedola kubatyali-mali be-DeFi ngo-2022 kuphela. Yimali eyothusayo leyo, kwaye kucacile ukuba kukho into ekufuneka yenziwe ukukhusela utyalo-mali lwabantu.

Kulapho iiprothokholi ze-inshorensi zingena khona. Ezi prothokholi ziyilelwe ukunciphisa imingcipheko enxulumene ne-DeFi ngokuqinisekisa abasebenzisi ngokuchasene nelahleko enokubakho. Eli lithuba elikhulu kubo bobabini abatyali-mali kunye nababoneleli be-inshurensi, njengoko imfuno yeendlela zokunciphisa umngcipheko iza kukhula kuphela kwiminyaka ezayo.

Apha ngezantsi zezinye zeeprothokholi ze-inshurensi ze-DeFi ezithembisayo zika-2023:

I-Nexus Mutual (NXM)

I-Nexus Mutual yohlukile kuba ibonelela ngokugubungela zombini i-DeFi kunye namaqonga aphakathi. Imveliso yayo yeflegi, i-Smart Contract Cover, inika ukhuseleko kwii-bugs kunye nee-hacks ezinxulumene nezivumelwano ezihlakaniphile. Kodwa i-Nexus ayipheleli apho-ikwabonelela ngokhuseleko ngokuchasene nee-hacks kunye nokurhoxiswa okumisiweyo kutshintshiselwano oluphakathi kunye nezipaji zogcino, kunye nokusilela kwiminyhadala yethokheni evelisa inzala.

Omnye umzekelo wale nto wawusebenza ngo-Agasti ka-2022, xa iqonga lokuboleka imali ye-crypto iHodlnaut yabhengeza ukuba yayimisa ukurhoxiswa, ukutshintshiselana kwamathokheni kunye neediphozithi. Amalungu e-Nexus athenge i-Hodlnaut Custody Inshorensi akhuselwe ekurhoxisweni okunqunyanyiswayo kangangeenyanga ezintathu. NgoNovemba, loo malungu akwazi ukufaka amabango, kwaye i-Nexus ihlawule ngaphezu kwe-1 yezigidi zeedola kumalungu achaphazelekayo.

I-ecosystem ye-Nexus inikwe amandla ngumqondiso wayo wendalo, i-NXM, ekwasebenza njengophawu lolawulo. Oku kuthetha ukuba abanini be-NXM banamalungelo okuvota kwi-Nexus Mutual DAO, ngokufanayo nendlela abaninizabelo abanamalungelo okuvota kwinkampani yemveli.

Okwangoku, i-Nexus Mutual yenye yezona nkqubo zifunwa kakhulu ze-inshurensi ye-DeFi, iyenza ibe lithuba elihle lotyalo-mali kwabo bafuna ukufumana ukuvezwa kwimarike ye-inshurensi ye-DeFi. I-NXM ifumaneka kwiqonga lomthonyama kuphela, kodwa kukwakho nenguqulelo ye-NXM eSongelweyo (WNXM) ekhoyo kutshintshiselwano oluphakathi kunye nolwahlulwa-hlulo. Nangona kunjalo, amalungu e-NXM kuphela angakwazi ukugubungela kwaye avule ithokheni kwi-Ethereum. Ixabiso kunye nokusebenza kwezi zimbini ziyahluka, kodwa zibonisa ukuhambelana okuphezulu.

Ngoluntu olomeleleyo lwabalandeli be-Twitter be-41,100, amalungu e-9,100 eDiscord, kunye namalungu e-Telegram angama-2,400, kucacile ukuba i-Nexus Mutual inokulandela okuzinikeleyo kwabasebenzisi abathemba iinkonzo zabo.

I-Inshurensi (INSUR)

I-InsurAce, eyasungulwa ekuqaleni kuka-2021, ikhawuleze yaba yenye yeeprothokholi ze-inshurensi ezikhokelayo kwindawo ye-DeFi.

I-InsurAce inikezela ngokhuseleko kubasebenzisi ngokuchasene nemingcipheko ye-DeFi eqhelekileyo njengee-hacks kunye neebhugi zekhontrakthi ezihlakaniphile ezinokukhokelela ekulahlekeni kwamathokheni. Ikwabonelela nge-inshorensi yee-asethi ezigcinwe kutshintshiselwano oluphakathi kunye ne-wallet, kunye ne-stablecoin depeg kunye neziganeko ze-IDO. Iprotocol ihlanganiswe ne-Ethereum, i-Polygon, i-Binance Smart Chain, i-Solana, kunye ne-NEAR, eyenza ukuba ifikeleleke kuluhlu olubanzi lwabasebenzisi.

I-ecosystem ye-InsurAce inikwe amandla ngethokheni ye-INSUR, ekwasebenza njengophawu lolawulo. Ithokheni isetyenziselwa ukuvuza amalungu abonelela ngenkunzi ukuba abhale imingcipheko kwi-underwriting pool. Nangona uxinzelelo lweemarike ze-bearish, i-INSUR ibonakala ibambe ngokuqinileyo njengoko abathathi-nxaxheba be-DeFi kunye ne-crypto market baqhubeka befuna izisombululo ezisebenzayo zokunciphisa ingozi.

Ngabalandeli be-Twitter be-42,600, amalungu e-6,300 Discord, kunye namalungu e-Telegram ye-8,700, i-InsurAce sele ifumene ukulandelwa okunamandla. Ayimangalisi into yokuba ibe yeyesibini ngobukhulu iprotocol ye-inshurensi ye-DeFi emva kwe-Nexus kuluhlu lwethu.

I-Etherisc (DIP)

U-Etherisc wayengomnye wabadlali bokuqala kwindawo ye-inshurensi ye-DeFi, eqalisa kakuhle ngaphambi kokuba i-DeFi ibe yinto ehamba phambili kwi-2020. I-platform ye-inshurensi esekelwe kwi-Ethereum inikezela uluhlu olubanzi lweemveliso ze-inshurensi, kuquka i-inshurensi yezityalo, i-inshurensi yokulibaziseka kwendiza, ukukhuselwa kwenkanyamba, i-crypto. i-inshurensi yesipaji, kunye ne-inshurensi yentlalontle.

I-Etherisc ecosystem ixhaswa yi-token ye-DIP, esetyenziselwa zonke iintengiselwano kwiqonga. Ukuqinisekisa umgangatho ophezulu weenkonzo ze-inshorensi, ababoneleli-nkonzo kufuneka bafake iithokheni ze-DIP, ezinokuthi ziphulukane kwimeko yokungasebenzi.

Ngoku kuthengiswa kufutshane neerekhodi ezisezantsi, i-DIP inamandla okubuyisela umbulelo kuluhlu olubanzi lweemveliso ze-inshorensi ze-Etherisc, kuquka nezo zilinganisa ukhuseleko lwemveli. Ngabalandeli be-Twitter be-11,200, amalungu e-516 Discord, kunye namalungu eTelegram ye-3,333, u-Etherisc unoluntu oluzinikeleyo lwabaxhasi.

I-DeFi yiNdlela ekhulayo

Ukuqukumbela, i-Nexus Mutual, i-InsurAce, kunye ne-Etherisc inikezela ngezisombululo ze-inshurensi ze-DeFi ezijongene neemfuno ezikhulayo zoluntu lwe-crypto kwaye zinikeze uluhlu olubanzi lweemveliso ze-inshurensi ezilinganisa ukhuseleko lwendabuko. Ezi prothokholi zinobungqina obuqinileyo boluntu kwaye zilapha ukuze zihlale njengoko iDeFi kunye nabathathi-nxaxheba beemarike ze-crypto baqhubeka befuna izisombululo ezisebenzayo zokunciphisa umngcipheko.