DeFi是Decentralized Finance的缩写，意指去中心化+金融。随着区块链的迅速发展，其应用场景也在不断地丰富，金融是其中最有前景的行业。
DeFi is an acronym for Decentralized Finance, which means decentralizing + finance. As the block chain develops rapidly, its applications are constantly enriched, and finance is one of the most promising industries.
DEFI是一个生态，而不是单指某个币。在以太坊生态内比较活跃。经过两三年的探索。DEFI生态中大致可以分为几类。即资产，借贷，交易所，合成资产，聚合理财。
DEFI is an ecology, not a single currency. It is active within the ecology. After two or three years of exploration, the DEFI ecology can be divided into broad categories.
第一类(资产)：makerDAO，被普遍认为「启动了 DeFi 运动的项目」
Category I (assets): MakerDAO, widely regarded as "a project to launch the DeFi campaign "
最早出现的是makerDAO，于17年12月上线，开启了DEFI世界的第一道大门。 是以太坊上的'去中心化银行'，发行了稳定币DAI和管理型代币 MKR。其中，DAI作为整个DeFi生态系统的基石，运用了自动化超额抵押+目标利率的反馈机制，是以太坊上规模最大和最久经考验的稳定币抵押解决方案。
The first to emerge was the makerDAO, which came on line in December 17, opening the first door to the DFI world. It was the #39 in Taiga; the decentralized bank #39; and the issuance of the stable currency DAI and the managed currency MKR. Among them, DAI, as the cornerstone of the entire DeFi ecosystem, applied the feedback mechanism of automated over-collateralization plus target interest rates, which was the largest and most tested currency-stabilization solution in the family.
第二类(借贷)：Compound，被称之为「进入DeFi领域的窗口」
Category II (lending): Compound, known as the "Window to DeFi"
Compound成立于2018年9月，是目前DeFi借贷市场上最主要的抵押借贷平台。2020年6，Compound上线了平台治理代币COMP，价格从20美元一路飙升至320美金。借贷即挖矿机制让Compound一夜爆红，流量暴增，创造了又一个币圈神话。
Compound was established in September 2018 as the most important collateral lending platform in the current DeFi lending market. In 2020, Compound went online and managed the platform’s proxy COMP, with a price skyrocketing from $20 to $320.
第三类(交易所)：DEX，去中心化交易所，无疑是「带动DeFi发展的基石」
Category 3 (exchange): DEX, decentralised exchange, is undoubtedly the cornerstone of DeFi's development.
DEX是相对于中心化的加密货币交易平台而言的，以DEX为基础的去中心化交易所已经爆发出惊人的发展态势，如火爆的Bancor、Kyber，dYdX，DDEX，Uniswap等。DEX在2020年前六个月的总交易量超过30亿美元，单uniswap交易量一度超越coinbase等中心化交易所
DEX, in contrast to a centralised and encrypted money trading platform, has already given rise to alarming developments on the DEX-based decentralized exchange, such as the hot Bancor, Kyber, dYdX, DDEX, Uniswap, etc., with a total transaction volume of more than $3 billion in the first six months of 2020, and a single uniswap transaction volume that once exceeded a central exchange such as coinbase.
第四类(合成资产)：Synthetix, 曾作为「DeFi市场最耀眼的新星」
Class IV (synthetic assets): Synthetix, used to be "DeFi's brightest new star."
2019年，崭露头角的合成资产平台 Synthetix, 不仅能够自行合成数位资产，也能通过虚拟货币购买法币、大宗商品、股票、指数等金融衍生品，其发行的代币 SNX 仅仅半年内飙涨近 800%, 2019 年 SNX 累计上涨近三十倍。
In 2019, Synthetix, a brand-new synthetic asset platform, was able not only to synthesize its own digital assets, but also to purchase financial derivatives such as French currency, commodities, stocks, indexes, etc. through virtual currency, with the issue of SNX, which rose by nearly 800 per cent in just six months, and by almost 30 times in 2019, SNX accumulated.
第五类(聚合理财)：Yearn,星星之火可以燎原「引爆DEFI世界的导火索」
Class Five: "Yarn, the fire of the stars can set off the spark of the DFI world."
YFI 全称 yearn.finance，发行时间 2020年7月18日。发行初始价格仅有34$.整个项目没有任何预挖、预售、没有团队分配、没有机构融资，整个项目干净的就像是比特币。也正因如此，现在有人把YFI称为Defi界的比特币.单币差点涨破十万刀。成为2020年涨幅最高币种。涨幅高达两千多倍
YFI full name yearn.finance, issued on July 18, 2020. The initial price was only $34. The whole project was released without any pre-drawn, pre-sale, no team distribution, no institutional financing, and the whole project was clean like bitcoin. And that's why now someone calls YFI the bitcoin of the Defi world.
中心化金融中有很多职能。比如：
Centralized finance has many functions. For example:
(1)法务、合规、KYC、AML、会计师、律师事务所;
(1) Legal, compliance, KYC, AML, accountant, law firm;
(2)交易所、证监会、银监会去监管交易所。交易所和证监会做的是撮合交易和审核交易，结算和监管;
(2) Exchanges, CSRCs, and the Superintendency of Banks supervise the exchange.
(3)银行和券商。做托管、支付、借贷。
(3) Banks and securities dealers.
(4)央行。提供货币。
(4) Central banks. Money is available.
这些功能都在中心化金融中实现。虽然运行还好，但它有很多缺点。这些缺点都可以由Defi补充。
These functions are performed in centralized finance. They work well, but they have many shortcomings. They can be supplemented by Defi.
比如Defi中可以不用央行，因为有自己的数字货币，用比特币、以太坊、EOS、USDT、USDC都可以作为底层的支付手段;Defi有智能合约，在以太坊中，代码即法律。所以我们也不需要法务和法官，只要有智能合约，就可以判断哪个合约可以执行;也不需要合同，只需要把智能合约写好，到期就自动执行，没有合同纠纷;因为是建立在区块链上，合约不会被篡改，合同不需要保管在公证处和保险箱里;所有的交易都可以被追溯，透明且公平;Defi是天生无国界而且去中介的。
For example, the central bank may not be used in Defi, because it has its own digital currency, with Bitcoin, Ether, EOS, USDT, USDC as a bottom-up payment tool; Defi has a smart contract, in Ether, the code is the law. So we do not need a judge or a judge, as long as there is a smart contract, to decide which contract can be executed; nor do we need a contract, which will be automatically executed by writing a smart contract and maturity, and there will be no contract dispute; because it is built on a block chain, the contract will not be tampered with, and the contract will not need to be kept in a notary and safe; all transactions can be traced, transparent and fair; and Defi is born without borders and is a broker.
Defi的这些特点能弥补中心化金融的缺点。比如中心化金融很难普惠。它的交易成本非常高，交易复杂，速度也慢，而且有银行、交易所、券商、会计师、律师等中介，他们都是要收服务费的。
These features of Defi make up for the shortcomings of centralized finance. Centralized finance, for example, is difficult to achieve. It has very high transaction costs, complex and slow transactions, and there are intermediaries such as banks, exchanges, securities dealers, accountants, lawyers, etc., who charge for services.
Defi是中心化金融未来的补充。我们无法说Defi能颠覆中心化金融，这不太可能，就像蚂蚁撼动大象是不太可能的。但它是非常好的补偿和尝试。可以让中心化金融做不好的在Defi中补足。
Defi is a supplement to the financial future of centralization. We can't say that Defi can turn central finance upside down, which is unlikely, like an ant shaking elephants.
在传统金融中，全球有四分之一的人口，大约17亿人是没有银行账户的。也许是银行在该地区没有开设分支，也许开户需要很多文件、资料，开户还要收管理费，导致有人不想或没办法开。但全球没有银行账户的人，80%有手机，能连互联网，这些人有可能可以享受到金融服务，就是Defi、只有去中心化的分布式金融，才能把成本降到最低，才能通过手机和互联网实现金融的普及。
Perhaps banks do not have branches in the region, and open accounts may require a lot of documents, information, and administrative fees, leading to people not wanting to or unable to open. But 80% of the world’s people without bank accounts, with mobile phones, have access to the Internet, and there is a risk that they will have access to financial services, that is, Defi, and only decentralized and distributed finance can minimize costs and access to finance via mobile phones and the Internet.
伴随着DeFi高速发展的一直是各类安全事件，在代码即规则的世界中，尤其是涉及资金的金融领域，一个不小心或者不严谨就会引来大量黑客的光顾，代币被盗、滥用漏洞已经成为DeFi必须要面对的问题了。
The rapid development of the DeFi has been accompanied by security incidents of all kinds, and in a world of code and rule, especially in the financial sphere, where money is involved, a large number of hackers have come in the face of carelessness or imprudentness, and the theft of tokens and the misuse of loopholes have become a problem for the DeFi.
仅仅上半年，就有多个DeFi项目出现过严重意外或者遭遇过黑客的攻击。
In the first half of the year alone, several DeFi projects experienced serious accidents or hacker attacks.
安全事件频出的背后，是基础设施不完善以及DeFi处于早期阶段的典型症状。
Behind the frequency of security incidents were the poor infrastructure and the symptoms typical of DeFi at an early stage.
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