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2026 年如何用 USDC 赚取被动收入

2026 年如何用 USDC 赚取被动收入

2025年7月22日⋅5 分钟阅读

  • 什么是去中心化借贷协议?
  • 去中心化借贷协议如何运作?
  • 如何通过8lends投资去中心化借贷协议
  • 为什么去中心化借贷协议很重要?
  • 用于赚取被动收入的去中心化借贷协议平台
  • 去中心化借贷协议有哪些风险?
  • 去中心化借贷协议的例子有哪些?
  • Conclusion

去中心化借贷板块在 2025 年重新回暖,反映出数字资产市场重燃的热度。根据 Bernstein 基于今年逐月分析所做的报告,收入排名前十的协议中有六个是去中心化借贷应用。同期,作为第二大区块链、也是这类项目关键平台的 Ethereum,据一份行业报告,在 2025 年第一季度录得净收入 3.6546 亿美元,比 2023 年第四季度的 1.23 亿美元高出近 200 %。这股热度把 Ethereum 在 2025 年的日均交易量推高到去年水平之上,正逼近 2021 年的峰值。报告作者把这归因于该季度去中心化借贷协议整体活跃度的上升。信号很清楚:去中心化借贷正在积聚动能,对关注 smart contract 的投资者而言,很可能正出现有吸引力的机会。本文梳理当下在这一领域获取收益的方式,并分享通过投资去中心化借贷协议创造被动收入的思路。

什么是去中心化借贷协议?

去中心化借贷协议 fundamentally changes the situation. Unlike classical finance, in which banks and other institutions are designated as arbitrators, 去中心化借贷协议 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.

去中心化借贷协议 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 去中心化借贷协议 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 去中心化借贷协议. 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.

去中心化借贷协议 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 去中心化借贷协议 business projects, something that is very much from the impenetrable practice of classical banks. In addition, 去中心化借贷协议 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 去中心化借贷协议 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.

去中心化借贷协议如何运作?

去中心化借贷协议 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 去中心化借贷协议 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.

如何通过8lends投资去中心化借贷协议

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 去中心化借贷协议.

Taking into account that the 去中心化借贷协议 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 去中心化借贷协议 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.

为什么去中心化借贷协议很重要?

Through the use of personal wallets and trading services created specifically for people, 去中心化借贷协议 applications give users a huge level of control over their financial assets. The 去中心化借贷协议 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. 去中心化借贷协议 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 去中心化借贷协议, 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.

用于赚取被动收入的去中心化借贷协议平台

Let's take a look at certain of the best 去中心化借贷协议 platforms to start generating passive income.

Aave (AAVE) - The Aave platform is considered to be one of the most common and 主流的去中心化借贷协议平台.

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 去中心化借贷协议 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 去中心化借贷协议领域中最受欢迎的平台.

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

Users have all chances to provide highly liquidity in the variant of digital dollars to Curve protocols and extract inactive profits from commissions in the exchange.

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

去中心化借贷协议有哪些风险?

Despite the fact that 去中心化借贷协议 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 去中心化借贷协议.

Therefore, diversification of investments, awareness and the use of reliable platforms to reduce these risks are crucial. The risks of 去中心化借贷协议 include:

Security

去中心化借贷协议 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 去中心化借贷协议 applications, so the choice of 去中心化借贷协议 applications should be careful.

Complexity

去中心化借贷协议 applications can be complex and difficult to understand. It is important to do research before using any defined application.

Volatility

The prices of digital assets that are used to run 去中心化借贷协议 applications are unstable. This means that your investments can quickly lose value.

去中心化借贷协议的例子有哪些?

去中心化借贷协议是所有基于区块链构建的附加应用的统称 that uses blockchain and digital asset technology to provide economic services. Certain of these add-ons can provide everything from basic services such as savings accounts to more advanced services such as providing liquidity to companies or traders. One of the more notable 去中心化借贷协议 providers is Aave, which is a “decentralized act of liquidity trading in the absence of trusteeship” that allows everyone to participate as a liquidity provider or borrower.

Aave allows you to hold all your digital assets in order to earn interest income from users who have a chance to acquire your assets.

Conclusion

The development of 去中心化借贷协议 opens up great opportunities to make a lot of money with the support of your digital assets. In this tutorial I have analyzed ten main strategies, each of which has its own advantages and features. Do not forget that 去中心化借贷协议 is a rapidly developing place, and first of all, compared to going to the implementation of any of these strategies, you should perform a painstaking study. By carefully assessing your own risk tolerance, investment missions and industry knowledge, you can use the power of 去中心化借贷协议 to unlock a new definition of financial opportunity.

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平台已通过 CertiK 和 Cyberscope 审计,所有交易在 Base 区块链上公开可查。平台背后是两家职责清晰的公司:CLEARCHAIN CORP 负责平台运营,并在加拿大以 Money Services Business 身份在 FINTRAC 注册;Maclear AG 负责尽调与抵押物监管。平台受到良好监管,公开透明且责任清晰

若项目带有 BuyBack,逾期满 60 天后合作方将买断贷款并返还 100% 本金。若无 BuyBack,Maclear AG 将启动抵押物出售,所得按比例分配给投资者。平台上线以来从未发生违约

平台由 CLEARCHAIN CORP 运营,其在加拿大注册为 Money Services Business(MSB),并须在 FINTRAC 下履行强制性 AML/CFT 合规要求。结算以 USD 进行。平台并非 CASP,因此 DAC8 要求不适用

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