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Decentralized Finance (better known as DeFi) is buzzing within the financial industry all around the world. By using it, someone managed to earn 16.000 USD in 13 seconds, and some others took six million dollars after one week or so. Seeing those cases, isn’t difficult to figure out why everybody wants to suddenly make investments on DeFi tokens and Dapps, but, it really works in the same way for everybody?

Odpověď je samozřejmě velká ne. Pak pro váš průměrná kryptoměna user? Is all this a scam, Ponzi, or similar? Not everything, for sure. But there’s some of that as well. Let’s check some facts and tricks.

TL; DR pro DeFi

You can describe “DeFi” as a whole industry made of decentralized apps and tokens focused on offering a long list of traditional financial tools and products, but without a company, government, or organization behind them. The only authority is the software, the code, and blockchain since they’re built within smart contracts. So, in theory, you don’t need trust to use them.

Obrázek Pete Linforth / Pixabay

Hlavním příslibem DeFi je otevřít finanční svět všem. By using DeFi apps, you won’t need any official requirement (only Internet) to access platforms and tools like loans, savings, trading, insurance, derivatives, exchanges, and so on.

If you’re thinking that možná Bitcoin, Ethereum, Litecoin, and each “classic” cryptocurrency may count as DeFi, you’re probably not so far from the truth. However, in our current context, when we use the term “DeFi” we’re usually talking about brand new tokens and platforms based on smart contracts, that offers some very specific financial service. And, highly probably, some juicy earnings in the short term. Or that is what everybody wants to believe.

Jak funguje DeFi?

Aka, how to earn some money with this. That’s depending on the platform you use: according to DeFi Prime, there’re in existence more than 200 projects on this category. And DeFi Pulse describes, by its part, there’re +7.8 billion dollars locked (invested) in these projects. A quantity not higher than the individual market capitalization for the top 3 cryptocurrencies, but nothing insignificant either.

Důležitá věc: jak lidé vydělávají peníze na těchto věcech? Jako to obvykle dělají s krypto: výhody obchodování s novými tokeny (jejichž ceny jdou na Měsíc velmi rychle) a na druhé straně vytvářejí nové užitečné (nebo zbytečné) tokeny, jejichž ceny jdou na Měsíc rychle, protože každý trpí FOMO (strach ze zmeškání).

Obrázek Nattanan Kanchanaprat / Pixabay

There’s another way, though. Několik platforem a tokenů DeFi vás odmění jen proto, abyste svým značkám poskytli likviditu. To znamená, že se jen musíte na platformě podílet s určitými investicemi a / nebo aktivitou, abyste na oplátku získali šťavnaté odměny.  

Let’s check the example of Sloučenina (COMP), one of the most popular. This a protocol on Ethereum that lets people earning some returns only for saving and/or lending their cryptocurrencies. Of course, there’re also borrowers paying this variable returns: 3.41% as a prize to hold some DAI (a stablecoin) during a year, for example.

On the other side, we have its governance token, COMP. This one is available to buy through several exchanges, and its price started around 61 USD in June of this year (CoinMarketCap). Now, less than three months later, the price per token is 171 USD. Therefore, the “early birds” in Compound may have earned +180% only by owning these tokens.

It doesn’t sound bad per se, but that’s nothing compared to other succulent (and very risky) promises…

Yield farming and “DeFi food”

Let’s back to Compound one moment: remember, just by holding your cryptocurrencies within the platform, you can earn some actual rewards. But this DeFi isn’t the only one doing that. Some other platforms are offering “to mine liquidity” as well, and with even higher rewards for the participants.

Futureswap, for example, is a decentralized futures exchange whose alpha version offered up 550% annually for the task of liquidity. And that’s exactly what the “výnos zemědělci” are looking for: nové vzrušující aplikace DeFi k zasetí jejich investic do kryptoměn a farmy s vysokými zájmy a výnosy z arbitráže mezi nimi a jejich tokeny. Tito zemědělci dokonce vložili vysoké částky kolaterálních fondů, aby mohli půjčit množství, které jim umožní koupit (obdělávat) více žetonů.

Obrázek TheDigitalWay / Pixabay

The practice doesn’t come without risks, of course. And this is probably when the “DeFi food” enter the scene: the first one was YAM Finance. Yeah, after the edible tuber. This platform was intended to be “an elastic supply cryptocurrency” with attractive rewards for their Liquidity Providers (LP).

The final result wasn’t exactly like that. YAM finance was born on August 12, with calculated (and extraordinary) roční výnosy up to 5.600% (for the staking in Compound). Less than 24 hours later, a fatal bug was found in the smart contract, causing the project’s death with 750.000 USD blocked inside. But this was just the appetizer for the next dishes.

Pochybné žetony stejně jako PIZZA, HOTDOG a KIMCHI také vznikly a experimentovaly s velkými pumpami, po nichž následovaly smrtící skládky za méně než jeden den. Slíbené výnosy pro ně se lišily od + 11.000% a dokonce 1 milion u LP, ale byly jako padající hvězda. Během několika minut byly všechny (a investované peníze) nadobro pryč.

Rozvoj: druhá strana

DeFi nevyhnutelnou skutečností (prozatím) je tato: pokud umíte kódovat, můžete vydělat více než ostatní. Vzpomínáte si na naše malé Intro a na to, jak chlapi vydělávají tisíce a miliony dolarů? Byli to vývojáři. Inteligentní vývojáři smluv, abychom byli přesnější.

There’s a thingy inside DeFi called “flash loans”: cryptocurrency loans you take and pay in the same block (transaction). How is this even possible and how could it be useful at all? It’s possible if you know how to write (code) a smart contract to make an automatic transaction with several elements, and it’s useful for arbitrage. This means you could take advantage of differing prices for the same asset in distinct markets.

Stejně jako vývojář to udělal počátkem srpna, kdy si vypůjčili 2,048 000 USDC z platformy dYdX, vyměnili je za 2,028,367 DAI v Curve and Pool a poté splatili první půjčku; vydělat 16,182 USDC za 13 sekund a investovat pouze ceny plynu do Ethereum (kolem 50 USD). To vše samozřejmě prostřednictvím chytré smlouvy.

Na druhou stranu máme anonymního zakladatele Sushiswap, známého jako NomiChef. Předně: Sushiswap je decentralizovaná burza, která také nabízí těžbu likvidity to anyone who wants to participate with their SUSHI tokens. It’s basically a copy of the exchange Uniswap with larger rewards, and vymyslet si investorům zablokována až 1 miliarda dolarů.

Obrázek Jumi Kang / Pixabay

NomiChef jen čekal na tento výsledek týden, před prodejem všechny jeho SUSHI získat 17 971 ETH, v současné době v hodnotě kolem 6 milionů dolarů. Cena za SUSHI samozřejmě klesla špatně; i když chudák havárii přežil. Pro teď.

What’s up with DeFi, then? Can I make money?

We can’t deny it: DeFi je velmi výnosný market and there’s a gold rush right now after its dapps, providing a lot of liquidity and opportunities. Something similar happened in 2017 with the Initial Coin Offering (ICO) fever, and we all know how that ended. In case you don’t: not so sweet.

ICOs and DeFi have introduced interesting and useful products within everyone’s reach, but they’ve also brought a lot of useless tokens, fraudulent platforms, failed projects, and big losses. Most of those extraordinary ROI percentages are probably just fleeting fame like already happened with some “DeFi food”.

Grave risks are waiting around every corner: smart contract’s bugs, hacks, exit scams, fake tokens, failed projects, extreme pump-and-dump schemes, etc. This is an early-stage technology, so, you may make thousands of dollars in no time… and you can lose them in no time as well. Try it, have fun, maybe even get some or much money, but never be reckless about DeFi investments. Don’t bet anything you can’t afford to lose.

Autor

Odborník na literaturu v krypto-světě od roku 2016. Spisovatel, výzkumný pracovník a bitcoiner. Práce pro lepší svět s větší decentralizací a kávou.

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