Primary popular science of defi's decentralized development principle

primary popular science defi decentralized

DeFi It's English DecentralizedFinance Abbreviation , The translation is to go to the financial center , Throughout the development of cryptocurrency , The evolution of cryptocurrency is accompanied by chaos and hope

This paper is written by mkz888z Organize and publish

Difi yes 2019 One of the most popular topics in the field of blockchain .Linktobit( Chain coin ) Zou champion, executive director of the Asia Pacific Research Institute, once said publicly that :DeFi It must be the future , Because it's security 、 The best combination of privacy and efficiency . Developed in the traditional financial system , Financial services include financing and investment 、 savings 、 credit 、 Settlement 、 Securities trading 、 Commercial insurance and financial information consulting business , They are all provided by centralized financial institutions for users .

  Users who want to use these services have to go through financial institutions , And accept the complicated terms of financial institutions . With the development of blockchain DeFi Through point-to-point financing to solve these problems faced by the current financial institutions , Complete financial services and create financial assets without any agency risk , Provide financial investment opportunities .

The decentralized nature of cryptocurrency makes it possible for wealth to circulate freely , and Difi The emergence of a decentralized financial system meets the needs of people , Let wealth now be at your disposal .

  In French “Defi” signify “ Challenge ”, And decentralized finance means the same to finance as when all great technologies were just born , There must be challenges to overcome , But we still think Difi At present, it is one of the most promising development prospects of blockchain .

DeFi be relative to CeFi Our innovation is mainly reflected in 3 In terms of :

technical progress :DeFi The biggest difference is that it's based on blockchains and smart contracts , But he is not using blockchain technology to support centralized financial services , It's about moving the products and models of traditional financial services to the blockchain / On top of smart contracts .

 DeFi The technology itself has brought new value to the financial industry , For example, the business model of mortgage lending also exists in traditional finance , but DeFi The transparency of China's capital pool prevents the moral hazard held by centralized institutions , It gives participants confidence , So the size of the market will expand , Bring more liquidity . And asset size and liquidity are actually the essence of the financial industry , therefore DeFi Our mortgage lending platform is not just a technological innovation , It will also bring about great changes at the market level .

  Product innovation :DeFi There are generals in China CeFi There are already migrated products in , There are also new products created independently , Like smart contract insurance , The subject of insurance is the security of smart contracts , In this way, market participants can be protected from the losses caused by hacker attacks . This kind of insurance is in the stage of loss determination and claim settlement , It can be executed accurately according to the smart contract , And proof of insurance ( That's the insurance policy ) yes token " , So it can be transferred , Form a secondary market for insurance . thus , The insurance industry will also expand due to the emergence of the secondary market 、 The effect of increased liquidity , meanwhile , The secondary market will also price the risk more precisely , Fundamentally affect the insurance industry /DeFi technology I37 System 6746 Development OI49DeFi It won't be a flash in the pan , It opens the first step of the public chain landing .

Model change :DeFi On the basis of technology and products , Realized the market 、 agreement 、 Get through all the assets , Like Lego blocks , This ecological model is in CeFi It's very difficult to achieve , because CeFi Our markets are basically independent of each other , Assets are relatively isolated . Later, we will discuss from these three perspectives DeFi Value created .

through DeFi The landing product of the decentralized blockchain world . With the further improvement of infrastructure , The landing of public chain will be better and better , It will be divided into four stages :

The first step is to DeFi Open the prologue of public chain landing ; The second step is DeFi The direction of our agreement DAO turn ; The third step is when the basic performance reaches a certain level Dapp In the fall to the ground ; The fourth step is DAO The full landing of .

This paper is written by mkz888z Organize and publish

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