DeFi, like a shareholder, has become more and more fierce in recent years, and it has rapidly grown into a huge economy with a total market value of more than 233 billion US dollars. According to OKLINK data, the total amount of DeFi locks on the entire network has reached 1586.3. 100 million U.S. dollars, has repeatedly achieved good results. With such a huge volume, DeFi has moved towards in-depth development in many fields, evolving into many types including lending, decentralized exchanges, insurance, derivatives, liquidity mining, etc. Among them, the lending platform is one of the latest features of DeFi. First, its novel way of providing loans through decentralized distributed open source agreements is even more eye-catching, which once set off a strong financial wave.
（Data map of the total lock-up amount of DeFi across the network）
DeFi lending market is booming
Everyone can enter into high-transparency, flexibility, and low-risk lending activities through the more open DeFi, and can also provide short-term turnover services for some bullish currency holders. It does not need to verify the credit of the borrower as in the traditional lending industry. Users only need to hold digital assets to borrow money through the platform, which is issued according to the loan ratio. This is far simpler than that of traditional lending institutions. It makes up for the lack of a P2P model at this stage. Borrowers can freely choose the repayment cycle according to their repayment ability.
Popular DeFi lending platforms frequently report good news. According to data from the DeFi Pulse website, among the top 5 DeFi platforms, the lending category accounts for 3, and its popularity cannot be underestimated. With its unique advantage, which is much higher than the existing interest rate in the traditional financial sector, it continues to have an irresistible attraction to cryptocurrency holders. Users can obtain greater benefits through liquidity mining, and at the same time, they can also help their own cryptocurrency. Assets are combined to increase leverage to obtain high potential returns.
Looking at the popular lending track, there are actually many uncertainties behind the high yields. Just a while ago, the flash loan attacked Pancake Bunny and caused the price of the scepter to drop by 95%, completely making investors lose confidence in the project, and the price is also difficult to rise. Coincidentally, the anonymous founder of SushiSwap, Chef Nomi, liquidated more than one billion U.S. dollars in sushi tokens, which caused the price of project tokens to plummet. Although they have been returned later, this incident will inevitably cause indelible turbulence in the lending market.
A high-yield, safe and stable DeFi financial platform-DeFi Bank is attracting attention
This also shows that when users borrow and lend in DeFi, it is particularly important to choose a high-yield, safe and stable platform. It must be a comprehensive investment method that has been verified by the credibility of the team, a complete and feasible white paper, a third-party code audit, and an open and transparent economic mechanism. Today, an all-round DeFi lending platform that has passed the above inspections, DeFi Bank, is attracting attention. Its first 321 model (three levers, two currency standards, and one gold standard) fully realizes the security of borrowers’ mortgage assets and lenders’ deposits, and uses the platform governance token DEFIB to maintain the balance and collaboration of the lending system, and the platform payment token DeFiC The dual-token mechanism that implements the second settlement of interest has created a Genesis financial ecosystem, which is expected to subvert the current financial market.
What is DeFi Bank?
DeFi Bank, as the leader of the newly emerging DeFi financial platform, began to launch pledge lending in November this year. It was jointly created by Mr. Nikolai Mushegian and the Singapore Saiwesi Foundation. At the beginning of the launch, Nikolai Mushegian spent a long time absorbing and drawing on the advantages of similar projects in the market such as MakerDao loan management, and on this basis, boldly improved, using advanced concepts and excellent technology, DeFi Bank is functional It can provide pledged loans of various mainstream currency assets, and realize the mutual accommodation and value transfer of ecological assets with unlimited liquidity. It is the ideal target for the overall reform of traditional DeFi lending projects.
Core highlights, the general trend of DeFi Bank
The decentralization of DeFi Bank has been implemented in the platform’s smart contracts and agreements. A fairer mining method can bring greater rights and responsibilities and transparency to users, so that users can keep low payment costs while borrowing money and benefit more. high.
1.Data disclosure, non-tampering, smart contract management, and absolute security;
2.1:1 lending, no liquidation risk, stable profit without loss
3.Leveraged lending, double guarantee of income.
4.The maximum liquidation margin of pledged coins reaches 15%.
