Menene Lamunin DeFi: Yadda Yake Aiki, Farashi da kuma Vault na ITL

Lamunin DeFi ya zama ginshiƙin harkokin kuɗi na ƙasa da ƙasa, tare da jimillar basussukan da ake bin su sun kai kimanin dala biliyan 20.4 a ƙarshen kwata na biyu na 2026. Ba kamar bankunan gargajiya ba, lamunin DeFi yana bawa masu amfani damar aro da kuma ba da rancen kadarorin dijital ta hanyar kwangiloli masu wayo ba tare da masu shiga tsakani ko maki na bashi ba.

Wannan jagorar ta bayyana menene lamunin DeFi, yadda yake aiki, ƙimar da ake samu a yanzu a cikin 2026, manyan haɗari, da kuma yadda ITL Vault ke kawo tsarin lamuni mai ra'ayin mazan jiya ga masu amfani da yau da kullun a cikin faɗin duniya. Tsarin halittu na InterLink .

Menene Lamunin DeFi?

Lamunin DeFi yana ɗaya daga cikin aikace-aikacen blockchain mafi amfani, amma tsarinsa ya bambanta gaba ɗaya da na banki na gargajiya. Fahimtar wannan tushe shine mataki na farko kafin shiga cikin kowace yarjejeniyar lamuni.

Ma'anar da Babban Ma'anar

Lamunin DeFi tsari ne na lamuni da ba da rancen kadarorin dijital ta hanyar kwangiloli masu wayo akan blockchain, ba tare da bankuna ko cibiyoyin bashi na tsakiya ba. Maimakon dogaro da maki na bashi ko takardu, lamuni a cikin DeFi ana tabbatar da shi gaba ɗaya ta hanyar jingina. Masu ba da bashi suna kulle kadarorinsu cikin kwangila mai wayo, kuma ƙimar wannan jinginar dole ne ta wuce adadin da suke son aro. Wannan hanyar ana kiranta over-collateralization, kuma ita ce tushen kariya ga masu ba da lamuni da kuma yarjejeniyar.

Yadda DeFi Lending ke Aiki Mataki-mataki

Tsarin yana bin tsari mai sauƙi. Da farko, masu ba da rance suna saka kadarori a cikin wani wurin ajiyar kuɗi wanda kwangilar wayo ke gudanarwa. Mai karɓar bashi wanda ke son samun damar waɗannan kuɗaɗen dole ne ya kulle jinginar da ta fi darajar kuɗin lamuni. Kwantiragin wayo yana ƙididdige rabon lamuni-da-ƙima (LTV) ta atomatik kuma yana rarraba kuɗi idan an cika sharuɗɗa. Ana ƙayyade ƙimar riba ta hanyar ƙimar amfani da wurin.

Idan mutane da yawa suka karɓi rance, farashin zai ƙaru don ƙarfafa ƙarin ajiya. Lokacin da ake karɓar rance yana raguwa, farashin zai faɗi. Lokacin da mai karɓar rance ya biya bashin tare da riba, jinginar za ta buɗe. Don mu'amala da waɗannan kwangilolin masu wayo, masu amfani galibi suna buƙatar mafita mai aminci wacce ba ta da kariya kamar Wallet ɗin ITLX .

Matsayin Kwangiloli Masu Wayo da Zane-zane

Kwangiloli masu wayo sune injin bayar da lamuni na DeFi. Suna aiwatar da sharuɗɗan lamuni ta atomatik, suna ƙididdige riba, kuma suna haifar da biyan kuɗi idan ya cancanta ba tare da sa hannun ɗan adam ba. Duk da haka, kwangiloli masu wayo suna buƙatar ingantaccen bayanai na farashi daga wajen blockchain don yin aiki daidai.

Wannan shine aikin masu sihiri kamar Chainlink, waɗanda ke ciyar da farashin kadarori na ainihin lokaci akan sarkar. Ba tare da ingantattun masu sihiri ba, ƙa'idoji ba za su iya kimanta jingina daidai ba kuma suna haɗarin zubar da kuɗi ko cin amana ba daidai ba.

Kudin Lamunin DeFi a 2026

Ba a daidaita ƙimar riba a cikin lamunin DeFi kamar ƙimar banki ba. Suna canzawa akai-akai dangane da wadata da buƙata a cikin kowace rijiyar ruwa. Fahimtar yadda suke motsawa yana taimaka wa masu amfani su yanke shawara mafi kyau.

Yadda ake ƙayyade ƙimar lamunin DeFi

Ana saita farashin ta hanyar tsarin ƙimar riba mai tsari wanda ya dogara da ƙimar amfani da yankin. Lokacin da amfani ya yi ƙasa, farashin yana raguwa don ƙarfafa aro. Lokacin da amfani ya tashi, farashin yana ƙaruwa sosai don jawo ƙarin ajiya da kuma rage buƙatar aro. Wannan tsarin yana kiyaye ruwa ga yarjejeniyar ba tare da sa hannun ɗan adam ba.

Matsakaicin Kudin Lamunin DeFi a 2026

A cewar bayanai daga Galaxy Research da DefiLlama, ya zuwa kwata na biyu na 2026, matsakaicin ƙimar rancen stablecoin yana da kusan kashi 4.7%, yayin da matsakaicin ƙimar wadata yake kusan kashi 3.6%. Wannan yana haifar da yaɗuwar kusan maki 1.05% tsakanin farashin rancen da yawan ribar da masu ajiya ke samu. Farashin gaske ya bambanta sosai dangane da tsarin, nau'in kadarori, da blockchain.

Farashi a Manyan Ka'idojin Lamuni

Manyan ka'idoji suna ba da farashi daban-daban saboda bambancin samfuran haɗari da kuma kuɗin ruwa. Aave V3, babbar ka'idar lamuni mai kimanin dala biliyan 11.8 a cikin lamuni masu aiki, yawanci tana ba da ƙimar stablecoin mai gasa. Morpho, tare da tsarin ma'ajiyar ajiya mai tsari, na iya cimma mafi girman APY ga wasu kadarori. Spark da Maple suna mai da hankali kan sassa daban-daban, daga tanadin dillalai zuwa lamunin cibiyoyi. Ya kamata masu amfani su kwatanta farashin kai tsaye akan dandamali kamar DefiLlama kafin su yanke shawara.

Nau'ikan Lamunin DeFi

Ba duk ka'idojin lamunin DeFi suna aiki iri ɗaya ba. Samfura daban-daban suna biyan buƙatu daban-daban kuma suna zuwa da matakai daban-daban na haɗari da rikitarwa.

Lamunin da ya danganci wurin wanka

Wannan ita ce mafi yawan samfura. Masu ba da lamuni suna saka kadarori a cikin wani yanki na raba, kuma masu karɓar bashi suna samun riba daga ciki. Ana saita ƙimar riba ta hanyar algorithm bisa ga amfani. Aave da Compound manyan misalai ne. Wannan samfurin yana da sauƙi, mai ruwa sosai, kuma ya dace da yawancin masu amfani.

Lamunin Tsara-zuwa-Tsaraki

A cikin wannan tsarin, masu ba da lamuni da masu karɓar bashi suna daidaita kai tsaye ta hanyar kwangiloli masu wayo maimakon raba hannun jari. Wannan yana ba da damar yin sharuɗɗa masu sassauci, amma yawan kuɗi yawanci yana da ƙasa kuma daidaitawa na iya ɗaukar lokaci mai tsawo. Ya dace da lamuni tare da takamaiman lokaci ko kadarorin da ba na gama gari ba.

Ba da Lamuni ga Masu Keɓewa da Masu Keɓewa

Wasu yarjejeniyoyi suna raba haɗari tsakanin kasuwanni (kasuwannin da aka keɓe), ma'ana kadarar jingina ɗaya tana tabbatar da takamaiman lamuni ne kawai kuma ba ta shafar wasu matsayi ba. Akasin haka, iyaka-gefen gefe yana ba da damar kadarorin jingina da yawa su sami damar samun rukuni na mukamai, amma yana da haɗarin kamuwa da cuta mafi girma idan kadara ɗaya ta faɗi a darajarta.

ITL Vault: Lamunin Haɗin gwiwa akan InterLink

Duk da cewa ka'idojin lamunin DeFi na gargajiya suna buƙatar hulɗa da kwangiloli masu wayo masu rikitarwa, InterLink Labs tana ba da ITL Vault, wani tsari mai sauƙi wanda har yanzu yana tabbatar da gaskiya da aminci.

Yadda ITL Vault Ke Aiki

ITL Vault wata yarjejeniya ce ta lamuni da aka gina a kan InterLink Chain. Masu amfani suna kulle alamun ITL a matsayin jingina don aro USDT, tare da matsakaicin LTV na 30%. Wannan yana nufin cewa idan ana aro USDT 100, mai amfani dole ne ya kulle aƙalla darajar ITL ta $333. Wannan ƙarancin LTV yana nuna hanyar da ta dace, yana rage haɗarin zubar da kuɗi kwatsam yayin canjin kasuwa. Kuna iya karantawa game da amfanin alamun ITL da kuma yadda suke ƙarfafa wannan tsarin.

Sharuɗɗan Lamuni da Kuɗi

ITL Vault tana ba da sharuɗɗa masu sassauci na kwanaki 30, 60, da 90, tare da ƙayyadadden kuɗin 1.5%, 3%, da 4.5% bi da bi, tare da kuɗin farawa na 1% akan USDT da aka aro. Wannan tsarin kuɗin yana da gaskiya kuma ana iya faɗi, ba kamar ƙimar iyo na sauran ka'idojin DeFi da yawa ba. Masu amfani sun san ainihin farashin kafin buɗe lamuni.

Gudanar da Hadari da Bayyana Gaskiya

ITL Vault yana amfani da matakai daban-daban na kariya. An kulle yarjejeniyar jinginar gida a cikin sarkar kwangila mai wayo, ba a canja shi zuwa walat ɗin ƙungiyar ba. Kowace buƙatar lamuni tana wucewa ta matakin amincewa kafin a biya kuɗin. Ƙimar jinginar farko tana amfani da farashin OTC, tare da shirye-shiryen haɗa masu ba da shawara a nan gaba. Ana sa ido kan matsayi akai-akai, kuma ana kula da iyakokin LTV sosai don hana haɗarin zubar da kaya.

Hadarin Lamunin DeFi

Lamunin DeFi yana cire masu shiga tsakani amma baya cire haɗari. Fahimtar waɗannan haɗarin yana taimaka wa masu amfani su kare jarinsu da kuma yanke shawara mai kyau.

Hadarin Kwantiragi Mai Wayo

Kwangiloli masu wayo na iya ƙunsar kurakurai ko kuma a yi amfani da su, wanda ke haifar da asarar kuɗi. Duk da cewa manyan yarjejeniyoyi kamar Aave sun yi bincike da yawa kuma suna aiki da kyau tsawon shekaru, haɗarin ba ya taɓa zama sifili. Ya kamata masu amfani su fifita yarjejeniyoyi tare da binciken kuɗi mai zaman kansa da kuma tarihin dogon lokaci.

Hadarin Zuba Jari

Idan ƙimar jinginar ta faɗi ƙasa da ƙa'idar LTV da aka yarda, ana iya cire matsayin ta atomatik. Mai karɓar bashi yana rasa wani ɓangare ko duk jinginar sa, sau da yawa tare da ƙarin kuɗin cirewa. Wannan shine haɗarin da ya fi yawa a cikin lamunin DeFi, yana nuna mahimmancin kiyaye rabon LTV mai aminci, musamman a lokacin canjin kasuwa.

Hadarin Ciyar da Oracle da Farashin

Idan oracle ya bayar da farashi mara daidai ko kuma aka kai masa hari, yarjejeniyar na iya rage matsayi ba bisa ka'ida ba ko kuma ta rasa matsayin da ya kamata a rage. Yarjejeniyoyi suna amfani da hanyoyin oracle da yawa da hanyoyin duba juna don rage wannan, amma masu amfani har yanzu ya kamata su fahimci tsarin oracle na yarjejeniyar da suka shiga.

Kammalawa

Lamunin DeFi yana ɗaya daga cikin mafi kyawun aikace-aikacen blockchain, yana bawa masu amfani damar aro da ba da rancen kadarorin dijital ba tare da bankuna ba. Tare da matsakaicin ƙimar rancen stablecoin kusan 4.7% da ƙimar wadata kusan 3.6% a cikin 2026, wannan kasuwa ce mai girma tare da babban kuɗin ruwa. Duk da haka, haɗarin kwangiloli masu wayo, zubar da ruwa, da haɗarin oracle sun kasance muhimman abubuwan da za a kimanta a hankali.

ITL Vault tana ba da hanya mafi kyau ta kiyayewa tare da matsakaicin LTV na 30% da sharuɗɗan da aka ƙayyade na kwanaki 30, 60, da 90. Ga waɗanda suka shiga Web3 ta hanyar manhajar crypto kyauta ko manhajar hakar ma'adinai kyauta, yarjejeniyoyi kamar ITL Vault suna nuna hanya bayyanannu ta mayar da kadarorin dijital zuwa kayan aikin kuɗi masu amfani. Bayan bayar da rance, masu amfani kuma za su iya bincika samun kudin shiga mara amfani ta hanyar amfani da crypto ta hanyar amfani da staking da sauran dabarun samun riba.

Bayanin Gargaɗi: Wannan jagorar don dalilai na ilimi ne kawai kuma ba ya nufin shawarar kuɗi. Lamunin DeFi yana ɗauke da haɗari, gami da yiwuwar asarar jinginar gida. Kullum ku gudanar da bincikenku kafin ku shiga.

Labarai Masu Alaƙa:

• Fahimci cikakken bayani Tsarin halittu na InterLink da kuma yadda dukkan samfura ke haɗuwa

• Koyi game da Amfanin Alamun ITL da aka yi amfani da su azaman jingina a cikin ITL Vault

• Saita walat ɗinka mai aminci tare da namu Jagorar Walat ɗin ITLX

• Gano wasu hanyoyin samun kudin shiga mara amfani tare da crypto