Protokol pozyczkowy
Platforma DeFi do pozyczania kryptoaktywow.
Lending protocols like Aave, Compound, and MakerDAO let users deposit crypto to earn interest and borrow against their deposits as collateral. Interest rates are determined algorithmically based on supply and demand: when utilisation of a pool is high, rates rise to attract more deposits.
Borrowing in DeFi requires over-collateralisation. To borrow $1,000 worth of stablecoins, you might need to deposit $1,500 or more in ETH. If the collateral value drops below the liquidation threshold, the position is automatically liquidated to repay lenders.
Lending protocols are foundational DeFi infrastructure. They enable capital efficiency (using idle assets to earn yield), leverage (borrowing to increase exposure), and complex DeFi strategies (looping deposits and borrows for amplified yield).
Lending protocols form the backbone of DeFi capital markets. Their interest rates and utilisation metrics reflect real demand for leverage and yield across the ecosystem.
Jak CryptoRadar24 to sledzi
CryptoRadar24 monitors lending protocol TVL and supply/borrow rates for supported assets, integrating this data into on-chain health assessments.
Powiazane terminy
FAQ
How are DeFi lending rates set?
Algorithmically. When pool utilisation is high (many borrowers relative to depositors), interest rates increase to attract more deposits and discourage excess borrowing.
What happens if my collateral is liquidated?
A liquidator repays part of your debt and receives your collateral at a discount. You keep the borrowed amount but lose a portion of your collateral.
Are DeFi lending rates better than bank rates?
They can be, especially during high-demand periods. However, DeFi rates are volatile, carry smart-contract risk, and are not insured like bank deposits.
What is a flash loan?
A flash loan is an uncollateralised loan that must be borrowed and repaid within a single transaction. It is unique to DeFi and used for arbitrage and liquidations.