分散式金融生态系统综述

Future Internet Pub Date : 2024-02-26 DOI:10.3390/fi16030076
A. Alamsyah, Gede Natha Wijaya Kusuma, Dian Puteri Ramadhani
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引用次数: 0

摘要

互联网的未来正朝着去中心化的方向发展,去中心化网络和区块链技术在不同领域发挥着至关重要的作用。去中心化网络在社会层面上提供了平等性、可访问性和安全性,而区块链技术则保证了安全性、认证性和开放性。将区块链技术与去中心化特征相结合在金融领域的意义日益重大,我们称之为 "去中心化金融"(DeFi)。截至 2023 年 1 月,DeFi 加密货币市场资本总额达 462.1 亿美元,服务用户超过 660 万。由于 DeFi 的表现持续优于传统金融(TradFi),它可以降低费用、提高包容性、加快交易速度、增强安全性、提高可访问性、透明度和可编程性;它还消除了中介机构。对终端用户而言,DeFi 提供了资产托管选择、点对点交易、可编程控制功能和创新金融解决方案。尽管 DeFi 近年来发展迅猛,但对其在金融服务领域作为赋能技术所发挥的作用及其益处和风险的全面研究却十分有限。本研究通过开发 DeFi 分类系统、整理信息和阐明其各方面之间的联系来弥补这些差距。研究目标是提高学术界和产业界对 DeFi 的认识,促进对 DeFi 分类法的理解。这种条理清晰的 DeFi 分类法有助于专家、监管者和决策者做出明智的战略决策,从而促进负责任地将 DeFi 纳入 TradFi,实现有效的风险管理。本研究通过为用户提供有关 DeFi 现有机制和风险的明确指导、降低错误信息的易感性以及促进安全参与,增强了 DeFi 的安全性。此外,它还概述了 DeFi 在塑造未来互联网中的作用。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
A Review on Decentralized Finance Ecosystems
The future of the internet is moving toward decentralization, with decentralized networks and blockchain technology playing essential roles in different sectors. Decentralized networks offer equality, accessibility, and security at a societal level, while blockchain technology guarantees security, authentication, and openness. Integrating blockchain technology with decentralized characteristics has become increasingly significant in finance; we call this “decentralized finance” (DeFi). As of January 2023, the DeFi crypto market capitalized USD 46.21 billion and served over 6.6 million users. As DeFi continues to outperform traditional finance (TradFi), it provides reduced fees, increased inclusivity, faster transactions, enhanced security, and improved accessibility, transparency, and programmability; it also eliminates intermediaries. For end users, DeFi presents asset custody options, peer-to-peer transactions, programmable control features, and innovative financial solutions. Despite its rapid growth in recent years, there is limited comprehensive research on mapping DeFi’s benefits and risks alongside its role as an enabling technology within the financial services sector. This research addresses these gaps by developing a DeFi classification system, organizing information, and clarifying connections among its various aspects. The research goal is to improve the understanding of DeFi in both academic and industrial circles to promote comprehension of DeFi taxonomy. This well-organized DeFi taxonomy aids experts, regulators, and decision-makers in making informed and strategic decisions, thereby fostering responsible integration into TradFi for effective risk management. This study enhances DeFi security by providing users with clear guidance on existing mechanisms and risks in DeFi, reducing susceptibility to misinformation, and promoting secure participation. Additionally, it offers an overview of DeFi’s role in shaping the future of the internet.
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