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This article was originally written by IPFS Force Zone The DeFi (decentralized finance) craze has gradually spread across the blockchain community since June this year. Despite security incidents such as coin theft, DeFi has still become a major wave of " taking over " BTC and ETH . The reason why it is highly praised by everyone is that it protects user privacy, improves the fault tolerance of the service system, and enables real-time cross-domain transactions. However, I believe that its more important significance lies in reducing the centralized third party's assessment of user financial needs, and can conveniently provide financial solutions for users in financial difficulties . DeFi starts high and ends high
Although DeFi has a short history, it is by no means a new concept this year. It has been nearly three years since the birth of the first DeFi application, MakerDAO. MakerDAO was launched in December 2017, targeting the stablecoin market . In just half a year, the on-chain locked-in volume exceeded 150 million US dollars. With the success of MakerDAO, DeFi applications began to proliferate, and the direction of DeFi development also changed subtly. In 2018, Compound, dYdX, Uniswap, Dharmar, Augur, and WBTC were launched, and "gambling" and "stablecoins" broke through, becoming a "colosseum" for competition, but it is difficult for everyone to have a clear insight into its future.
DeFi locked amount, DeBank
After that , Synthetix, DDEX, dForce, Veil, Kyber, InstaDapp, Loopring, Balancer, and Aave were launched one after another. So far, DeFi has been most prosperously developed with three types of protocols: asset aggregators (machine gun pools), Farming lending, and DEX. According to DeBank statistics, the total locked-in amount of DeFi protocols based on Ethereum on the entire network is as high as US$11.773 billion. Difficulties and opportunities coexist
DeFi is a highly competitive capital redistribution model that lowers the market entry threshold while significantly improving the efficiency of competition among participants. DeFi will intensify competition and promote healthy competition, but at present, apart from asset protocols and stablecoin applications, there is no clear project that can be developed and implemented. Understanding market demand, gameplay, and mechanisms is crucial for DeFi, so the core should not be whether the project is profitable, and healthy economic circulation is a necessary condition for long-term development. At present, the DeFi token economy is not well connected with real business, and the initial costs are generally too high. There is no continuous positive feedback, which makes the cost of "trying" increasingly high. According to dappbirds.com, there are currently 57 major DeFi projects, and a large number of unknown projects are launched or die every day. In general, there is a high probability that the projects in this wave of DeFi will decline to zero, but this cannot stop users' enthusiasm for participation. In fact, high trial and error costs are inevitable, and focusing on real business is the only way for DeFi to move from virtual to reality and from underground to the public.
On September 22 , Filecoin project leader Colin mentioned the concept of FIL+DeFi=DeFil at the SpaceRace1 celebration , which mainly includes: FIL mortgage loans, which requires a series of applications that allow FIL holders to lend FIL to other stakeholders through a loan platform on Ethereum; Build a miner market that allows miners to provide prices and customers to browse the market.
Of course, this concept is not the first time it has appeared. The official has also mentioned this idea in Slack before. The emergence of DeFil first alleviates the urgent need for miners to lack collateral after the mainnet is launched, which is conducive to the growth of the Filecoin network and enables borrowers to profit through DeFi. It kills two birds with one stone and may become a model for the mortgage market. At the same time, using the trading market and customer browsing needs to root the financial value of FIL is another important move by Filecoin - striving to maximize token utilization and economic efficiency. However, there is still a long way to go before this project can be realized. The rise of the circle ecology
Unlike DeFi , DeFil serves the Filecoin project , which has its own real business needs - providing real and effective storage and retrieval for valuable data. Slingshot in the SpaceRace2 phase is currently promoting this development. According to the Slingshot rules, there may be a large number of applications and UI displays after the phased test. Whether it is the retrieval and access of audio and video, pictures, texts, and documents, these are all calls for the presentation of complete data. In the future, Filecoin ecosystem will gain more applications based on real demand scenarios, cooperate with the development of FIL economy, and combine with the concept of DeFi. DeFil will not stop at lending and mortgage . More usage methods will inevitably boost FIL's future performance in the market, attract more people, applications, and public chains, and build more consumption scenarios. Decentralization is on the way
Whether it is DeFi or DeFil, as part of Web3.0, the direction of breaking down barriers of differentiation and centralization is consistent. Technical difficulties will no longer be the biggest obstacle to its realization. How to reconstruct and present Web2.0 in Web3.0 and open up the interaction between people and programs is a topic that needs to be discussed in depth again. |
