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2026年にUSDCで不労所得を得る方法

2026年にUSDCで不労所得を得る方法

2025年7月22日⋅5 分で読めます

  • What is Decentralized Lending?
  • How does decentralized lending work?
  • How to invest in blockchain lending with 8lends
  • Why is decentralized lending important?
  • Blockchain lending platforms for generating passive income
  • What are the risks of blockchain lending?
  • What is an example of decentralized lending?
  • Conclusion

分散型レンディング分野は2025年に勢いを取り戻し、デジタル資産市場への関心の回復を映しています。Bernsteinが今年の月次分析に基づいてまとめた報告によれば、収益上位10プロトコルのうち6つが分散型レンディングのアプリケーションでした。同じ期間に、第2位のブロックチェーンであり分散型レンディングの主要基盤でもあるEthereumは、業界レポートによると2025年第1四半期に3億6,546万ドルの純収益を計上し、2023年第4四半期の1億2,300万ドルからおよそ200 %増となりました。この活況により、2025年のEthereumの一日平均取引件数は前年の水準を超え、2021年のピークに迫っています。レポートの執筆者はこれを、当該四半期に分散型レンディングプロトコル全体で活動が増えたことと結びつけています。分散型レンディングが勢いを増しているのは明らかで、smart contractに関心のある投資家には魅力的な機会が生まれているはずです。本稿では、この分野で現在利益を得る方法を整理し、分散型レンディングプロトコルへの投資で不労所得を生み出す考え方を紹介します。

What is Decentralized Lending?

Decentralized lending fundamentally changes the situation. Unlike classical finance, in which banks and other institutions are designated as arbitrators, decentralized lending eliminates arbitrators. It is a concept built into blockchain technology in which economic services such as financing, takeover, trading and investment are governed by smart contracts - self-executing contracts whose requirements are written directly into the code.

Decentralized lending has its roots in Bitcoin, the main dispersed line of digital currencies. However, it was only after the launch of Ethereum in 2015 that the real possibilities of decentralized lending began to open up.

The Ethereum platform gave creators the opportunity to form distributed add-ons (DApps), which had the ability to automate complex economic activities. Since then, these DApps have evolved into a wide range of services, from dispersed exchanges (DEX) to plastic platforms, all of which operate without exception in the absence of a main body.

Smart contracts, DApps and the blockchain itself are considered to be the main elements of decentralized lending. Smart contracts - this is the basis that ensures the implementation of contracts in the absence of human intervention.

DApps are user devices that interact with these contracts, providing services similar to those you can find in the classical banking process, but without the classical barriers. And blockchain, in particular Ethereum, presents itself as a non-threatening, colorless ledger, in which all the impact data is fixed without exception.

Decentralized lending opens the door, providing economic services in the absence of the need to possess a result, a plastic situation or including the act confirming the person. This is besides the most direct - everyone is able to control the cipher of decentralized lending business projects, something that is very much from the impenetrable practice of classical banks. In addition, decentralized lending functions constantly and in the absence of exits, offering a degree of availability and performance with which classical concepts simply have no chance to compare.

This also makes decentralized lending particularly tempting for those who want to make an active profit in the absence of the usual red tape and governmental obstacles inherent in classical financing.

How does decentralized lending work?

Dispersed financial protocols have increased the range of investing abilities of digital asset commerce, making unique and creative combinations to form inactive earnings possible.

If we dive into the essence of their functioning, it is possible to note that decentralized lending concepts are built in blockchain technological processes and function in predetermined chains, such as BNB Chain and Ethereum Network. These chains eliminate the need for an intermediary by using a dispersed peer-to-peer (P2P) economic infrastructure.

This enables users to provide sums, loans and guarantee high liquidity. As a consequence, profit rates become higher compared to licensed economic organizations, such as banks, since there is less competition in the trade.

In a concentrated economic system, your funds are kept in economic organizations, such as banks, which are considered to be firms whose main target is the acquisition of income. Within the financial concept, there are a number of third party transaction service points.

At each point, these third-party service providers guarantee the transfer of funds from one side to the other and collect payment for their services.

Decentralized finance, providing individuals, entrepreneurs and companies with the possibility to implement financial actions together with the support of developing technologies, eliminates the need for intermediaries in the economic system.

For this purpose, peer-to-peer economic ties are applied together with the use of advances in communications, software and hardware provision, and also security protocols.

You can trade, lend and borrow money with the support of software, which fixes and proves the economic work in the calculated economic stores of information from every place of society, in case you have an Internet connection.

Dispersed capitals use this technology to free themselves from random financial models, allowing anyone to acquire access to economic offers in every point of society.

How to invest in blockchain lending with 8lends

In case you are considering the possibility of investing money in digital assets, then you need to focus on a few points and tips that can help you make a knowledgeable decision about blockchain lending.

Taking into account that the blockchain lending exchange is currently flooded with thousands of digital asset business projects, it happens to be difficult to find a solution, which investments should be made with the purpose of long-term increase, and which are more suitable for short-term activities.

For example, if a digital asset promises a small threat and a significant reward, in this case, or rather in general, this is a pyramid scheme that has no long-term possibility.

It is more correct to invest in highly liquid blockchain lending assets, because of which there are large societies of creators and users, as well as industrial studies that confirm the methodology of considering the risks of assets with which the protocol allows you to work.

Why is decentralized lending important?

Through the use of personal wallets and trading services created specifically for people, decentralized lending applications give users a huge level of control over their financial assets. The decentralized lending database contains a blockchain technique, which is part of the database of bitcoins.

Blockchain allows multiple institutions to keep a list of transaction events, in which case it is not tied to a concentrated key.

This is very important, because concentrated concepts and people-«gatekeepers» have all the chances to contain the pace and difficulty of transactions, and also to provide less direct control to the users of their means. Decentralized lending is unique in that it extends the scope of use of blockchain beyond simple currency transfers and switches to the most challenging alternatives for application in the economic sector.

The basic concept of Bitcoin, which is considered a numerical currency, existed borrowed and formed by decentralized lending, which led to the formation of full numerical variants of traditional finance, but in the absence of often associated commissions. Perhaps this will lead to the creation of more transparent financial markets.

Blockchain lending platforms for generating passive income

Let's take a look at certain of the best blockchain lending platforms to start generating passive income.

Aave (AAVE) - The Aave platform is considered to be one of the most common and mainstream blockchain lending platforms in the blockchain lending space.

In order to start applying the Aave act, users should deposit a digital asset and the required amount of money. Due to the funds that traders write into the deposit, users acquire an inactive profit, based on the bazaar demand.

The platform also allows users to capture funds, using the recorded required amount as a deposit. In addition, it rewards users because of the location in the debarkation of its AAVE asset.

Synthetix (SNX) - Synthetix is a fast-growing blockchain lending platform that allows users to mine their own synthetic assets called “synths”.

The platform allows users to exchange digital assets into promotions, currency, products and other assets. Despite the fact that the platform operates in the Ethereum blockchain, along with digital assets, it gives the opportunity to trade fiat currency, derivatives and other assets.

Users have every chance to bet on the value of an asset without actually owning it in order to make a profit, which makes it the most popular platform in blockchain lending.

Curve (CRV) - Curve Finance is a scattered exchange platform for the purpose of exchanging digital dollars and digitally issued bitcoin derivatives.

ユーザーはデジタルドルの形でCurveプロトコルに高い流動性を提供し、取引所の手数料から不労所得を得るあらゆるチャンスがあります。

The commissions acquired from transactions made in the debarker will be rewarded to users in connection with the funds brought in.

What are the risks of blockchain lending?

Despite the fact that blockchain lending opens up wide opportunities, it is also associated with risks. The vulnerability of smart contracts, market volatility and the uncertainty of the regulatory framework are some of the key risks associated with blockchain lending.

Therefore, diversification of investments, awareness and the use of reliable platforms to reduce these risks are crucial. The risks of blockchain lending include:

Security

Blockchain lending applications are built on the basis of a relatively new and untested blockchain technology. There have already been several high-profile cases of hacking of blockchain lending applications, so the choice of blockchain lending applications should be careful.

Complexity

Blockchain lending applications can be complex and difficult to understand. It is important to do research before using any defined application.

Volatility

ブロックチェーンレンディングアプリケーションの稼働に使われるデジタル資産の価格は不安定です。つまり、あなたの投資は急速に価値を失う可能性があります。

What is an example of decentralized lending?

ブロックチェーンレンディングとは、ブロックチェーンおよびデジタル資産の技術を用いて金融サービスを提供するあらゆるアプリケーションを指す総称です。これらのアプリケーションの一部は、預金口座のような基本的なサービスから、企業やトレーダーへの流動性提供といったより高度なサービスまで、あらゆるものを提供できます。より注目すべきブロックチェーンレンディングプロバイダーの一つがAaveであり、これは「受託者を介さない分散型の流動性取引」であり、誰もが流動性提供者または借り手として参加することを可能にします。

Aaveでは、あなたのデジタル資産をすべて保有したまま、その資産を取得する機会を得たユーザーから利息収入を得ることができます。

Conclusion

ブロックチェーンレンディングの発展は、あなたのデジタル資産を活用して大きな収益を上げる素晴らしい機会をもたらします。本チュートリアルでは、それぞれに独自の利点と特徴を持つ10の主要な戦略を分析しました。ブロックチェーンレンディングは急速に発展している分野であり、何よりもまず、これらの戦略のいずれかを実行に移す前に、入念な調査を行うべきであることを忘れないでください。ご自身のリスク許容度、投資目的、業界知識を慎重に評価することで、ブロックチェーンレンディングの力を活用し、金融機会の新たな定義を切り開くことができます。

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DeFi・ブロックチェーン⋅ 2025年7月22日

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ご質問はありますか?

すべての質問

プラットフォームはCertiKとCyberscopeの監査を受けており、すべての取引はBase上で公開されています。明確な役割を持つ2社が支えています:CLEARCHAIN CORP(プラットフォームの運営、カナダのFINTRACにMSBとして登録)、Maclear AG(デューデリジェンスと担保)。適切に規制され、透明性と説明責任のある運営です

BuyBack付きの案件なら、60日以上の延滞でパートナーがローンを買い取り、元本の100%を返還します。BuyBackがない場合はMaclear AGが担保の売却を開始し、収益は投資家に比例配分されます。ローンチ以来デフォルトはありません

プラットフォームを運営するのはCLEARCHAIN CORPで、カナダでMoney Services Business(MSB)として登録され、FINTRACのもとで義務的なAML/CFTコンプライアンス要件の対象となっています。決済はUSDで行われます。プラットフォームはCASPではないため、DAC8の要件は適用されません

発展途上地域の中小企業は銀行融資へのアクセスが難しく、EUや米国の企業より高い金利を受け入れています

満期前にセカンダリーマーケットで他の投資家にポジションを売却できます。Fastlendingには固定期間がなく、元本と収益はいつでも引き出せます

最低投資額は100 USDです

企業の不払いリスク、担保価値の変動リスク、セカンダリーマーケットで買い手がいない場合の流動性リスク、スマートコントラクトに関わる技術的リスク

100〜500 USDの投資はKYC不要です。500 USD超は本人確認書類と住所証明による完全な認証が必要です

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