如果你观察金融市场，你可能会听到“去中心化金融”或“DeFi”这个词经常出现。
If you look at financial markets, you may hear the word “decentralized finance” or “deFi” often appear.
在日益数字化的金融世界中，DeFi 专注于为投资者带来点对点交易的便利。通过利用智能合约（存在于区块链上的数字合约）的效率和力量，DeFi 平台为借贷、借贷、交易、储蓄和赚取利息创造了一个空间，不需要所有通常的官僚主义和细枝末节。
In an increasingly digital financial world, DeFi focuses on making point-to-point transactions easier for investors. By taking advantage of the efficiency and power of smart contracts (the digital contracts that exist in the block chain), the DeFi platform creates a space for borrowing, borrowing, trading, saving, and earning interest, without all the usual bureaucracy and nuance.
DeFi 网络的目标很简单：
The goal of the DeFi network is simple:
没有文书工作，也没有通过银行等待交易清算的时间。
There is no paperwork and there is no waiting time for liquidation of transactions through banks.
区块链上的合同流程自动化消除了人工干预的需要。
Automation of the contractual process on the block chain eliminated the need for manual intervention.
加快脚步
Faster steps
与 DeFi 开展业务是无缝且快速的。
Doing business with DeFi is seamless and fast.
平等机会
Equal Opportunities
DeFi 正在缩小个人与金融寡头之间的差距。
DeFi is closing the gap between individuals and financial oligarchs.
2019 年初，借贷平台（主要是 MakerDAO）的 TVL 为 2.7 亿美元。这种势头在 2020 年也持续了下去，直到 Compound 推出了其治理代币 COMP，从而掀起了热潮，并首次呼吁流动性挖矿。
At the beginning of 2019, the lending platform (primarily MakerDAO) had a TVL of $270 million. This momentum also continued in 2020 until Compound launched its governing token, the COMP, which created a boom and called for the first time for liquid mining.
到 2021 年 12 月，DeFi 的 TVL 跃升超过 1000 倍，达到 3224.1 亿美元。您可以在下面看到排名前 20 位的硬币和项目。
By December 2021, Devi’s TVL jumped more than 1,000 times, reaching $322.41 billion. You can see the top 20-bit coins and items below.
2022 年十大 DeFi 精选
2022 Grand Ten DeFi Selected
从两个方面选择2022年最具潜力的DeFi代币
Select the most promising DeFi token in 2022 from two angles.
综合评价和筛选的两个排名
Two rankings for integrated evaluation and screening
DeFi 的市值
Market value of DeFi
1.曲线（CRV）
Curve 是一个去中心化的稳定币交易所，其流动性由自动做市商管理。
Curve is a decentralized stable currency exchange, whose liquidity is managed automatically by the market.
Curve Finance 的治理代币是 CRV。该协议实现了一个复杂的基于时间的 Staking 系统，将 CRV 兑换成 veCRV，其中 veCRV 是一种用于治理目的的代币，并有权索取协议产生的现金流。
Curve Finance’s governing token is CRV. The agreement achieves a complex time-based Staking system, which converts CRV into a veCRV, which is a token for governance purposes and has the right to claim cash flow from the agreement.
2. MakerDAO (MKR)
使用 Maker，用户可以锁定抵押品作为贷款的抵押品以换取 Dai。Maker 基金会于 2015 年将其作为一个开源项目创立，旨在为任何地方的任何人提供经济自由和机会。2017 年底，Maker 推出了其第一个稳定币，即单一抵押 Dai（SAI），它使用以太（ETH）作为抵押品。
The Maker Foundation was created in 2015 as an open-source project to provide economic freedom and opportunity to anyone anywhere. At the end of 2017, Maker launched its first stable currency, the single collateral, Dai (SAI), which uses Ether as collateral.
3.AAVE （AAVE）
使用以太坊代币 AAVE，用户可以参与非托管去中心化货币市场。作为支付浮动利率的交换，存款为市场提供流动性，而借款人可以借入加密货币。
In exchange for paying floating interest rates, deposits provide the market with liquidity, while borrowers can borrow encrypted currency.
4.WBTC（WBTC）
Wrapped Bitcoin (WBTC) 是比特币 (BTC) 的代币化版本，它在以太坊区块链 (ETH) 上运行。
Wrapped Bitcoin (WBTC) is a monetized version of Bitcoin (BTC), which runs on the Etherkom block chain (ETH).
WBTC 与 ERC-20（以太坊区块链的基本兼容性标准）兼容，使其能够与后者的去中心化交易所、加密借贷服务、预测市场和其他支持 DeFi 的去中心化应用程序的生态系统完全集成。
WBTC is compatible with ERC-20 (the basic compatibility criteria for the ETA block chain), enabling it to fully integrate with the latter's decentralised exchange, encryption lending services, forecasting markets and other ecosystems that support DeFi's decentralized applications.
5.凸金融（CVX）-DeFi 2.0
5. CVX - DeFi 2.0
Convex 简化了 Curve 提升体验，以最大限度地提高产量。借粗旅亩助 Convex，Curve 流动性提供者可以赚取交易费用并索取提升的 CRV，而无需自己锁定 CRV。对于流动性提供者来说，提供流动性奖励和提升 CRV 很容易。
Convex simplifies the Curve uplifting experience in order to maximize output. The Convex, Curve mobility provider can earn transaction costs and demand an upgraded CRV without having to lock it in. It is easy for mobility providers to provide liquidity incentives and upgrade CRVs.
Convex 允许用户质押 CRV，并获得交易费镇哪用和流动性提供者收到的部分提升的 CRV。它改善了流动性提供者和 CRV 利益相关者之间的平衡以及资本效率。
Convex allows users to pledge CRVs and obtain a share of the CRVs received by mobile providers. It improves the balance between mobile providers and CRV stakeholders, as well as capital efficiency.
6. Uniswap (UNI)
UniSwap 是一个去中心化交易所 (DEX)，它允许用户在没有中介的情况下交换 ERC-20 代币。在 DEX 上交易代币避免了中心化交易所和在任何交易所存储代币的风险。
UniSwap is a decentralised exchange (DEX), which allows users to exchange ERC-20 tokens without an intermediary. The transaction on DEX avoids the risk of a centralized exchange and the storage of a token on any exchange.
做市商 (AMM) 通过流动性提供者 (LP) 将代币存入智能合约，为交易者提供流动性。该协议以 0.3% 的交易费补偿流动性提供者。
The agreement compensates the liquidity provider for 0.3% of the transaction fee.
7.复合（COMP）
7. Combination (COMP)
Compound 的用户可以在去中心化的区块链上借出或借入选定的加密货币。因此，它通过汇集资产，根据资产的供求情况设定利率。
Compoun users can borrow or borrow the selected encrypted currency on a decentralised block chain. Therefore, by pooling assets, it sets interest rates based on the supply of and demand for assets.
Compound 的用户将能够将他们的加密资产存入 Compound，它们将被聚合到一个流动性池中。岩森用户存款后，他们将收到 cToken 作为回报。通过持有 cToken，用户可以获得利息。
Compound users will be able to deposit their encrypted assets in Compound, which will be consummated into a liquid pool. When Iwason users deposit, they will receive cToken in return. By holding cToken, the user will receive interest.
8 . PancakeSwap（蛋糕）
8 PancakeSwap (cake)
PancakeSwap 由币安智能链 (BSC) 提供支持，是一个去中心化交易所。这是 BSC 上最大的基于 AMM 的交易所。币安智能链的交易费用比以太坊低得多。CAKE 是 PancakeSwap 的治理代币。
PancakeSwap is supported by a currency security smart chain (BSC), which is a decentralised exchange. This is the largest AMM-based exchange on BSC. The transaction cost of a currency security smart chain is much lower than that of Etheria. The CAKE is the governing token for PancakeSwap.
9、丽都（LDO）-DeFi 2.0
Lido 质押解决方案适用于以太坊 (ETH)。使用 Lido 的质押解决方案，用户可以在规避资产锁定要求的同时质押 ETH。为准备 ETH 2.0，用户的 ETH 资金目前被锁定，并将一直保持到新的主网启动。由于 ETH2.0 看到定期发布日期推迟，此交易发布可能需要数年时间。使用标准的 ETH2.0 质押，用户只能质押 32（ETH）的倍数。根据当前价格，150,000 美元是最低股份金额。丽都消除了这个障碍。
The Lido pledge solution applies to Ether. Using the Lido pledge solution, the user can pledge ETH while avoiding the asset locking requirement. In preparation for ETH 2.0, the user's ETH funds are currently locked and will be maintained until the start of the new main network. It may take several years to publish the transaction because ETH 2.0 sees that the date of regular release is delayed. Using the standard ETH 2.0 pledge, the user can only pledge 32 (ETH) times. At the current price, $150,000 is the minimum amount of shares.
10. Abracadabra (SPELL)-DeFi 2.0
Abracadabra Money 利用 yvWETH、yvUSDC、yvYFI、yvUSDT 等有息代币 (ibTKN) 作为抵押品来借入与美元挂钩的 MIM（Magic Internet Money）。MIM 的工作方式与任何其他稳定币一样。
Abracadabra Money uses interest-bearing tokens (ibTKN) such as yvWETH, yvUSDC, yvYFI, and yvUSDT as collateral to borrow MIM, which is pegged to the dollar. MIM works in the same way as any other stable currency.
Abracadabra Money 引入了有利息的代币。以前，他们闲着。Abracadabra Money 让用户以最小的风险利用他们的资金达到下一个门槛，开辟了各种额外的模型和可能性。
Abracadabra Money introduced interest-bearing tokens. Previously, they were idle. Abracadabra Money allowed users to use their funds to reach the next threshold with minimal risk, opening up additional models and possibilities.
Abracadabra Money 生态系统中有两个主要代币：
The Abracadabra Money ecosystem has two main tokens:
SPELL 作为治理代币。
SPELL as the governance token.
MIM 是维持 Abracadabra Money 借贷模式的核心组成部分。
MIM is a core component of maintaining the Abracadabra Money lending model.
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