随着近年来区块链与加密货币的迅速发展，您或许听说过“去中心化金融”（Decentralized Finance）或 DeFi 一词。该术语来自去中心化金融系统的概念，这意味着减少加密金融系统中的中心化中介数量。
With the rapid development of block chains and encrypted money in recent years, you may have heard of the term “decentralized finance” or “deFi”. This term is derived from the concept of decentralizing the financial system, which means reducing the number of central intermediaries in the encrypted financial system.
该技术利用点对点加密网络和智能合约来弥合这些中介之间的差距。蓬勃发展的 Defi 网络目前正成为多样化加密投资组合的标准组成部分，吸引了消费者和亿万富翁投资者的关注。根据火币全球站数据显示，目前 DeFi 协议的总锁定价值（TVL）为1644.2 亿美元，其中锁定资产排名前 5 位的分别是 Maker（185.9 亿美元）、Curve（170.5 亿美元）、Uniswap V2（139 亿美元）、Compound（127.6 亿美元）和 PancakeSwap（115.1 亿美元）。
The technology uses point-to-point encryption networks and smart contracts to bridge the gap between these intermediaries. The booming Defi network is now becoming a standard component of a diversified encrypted portfolio, attracting the attention of consumers and billionaire investors. The total lock-in value of the DeFi agreement (TVL) is currently $16.42 billion, with the top five rankings being Maker ($1.59 billion), Curve ($17.5 billion), Uniswap V2.13 billion), Compound ($1.27.6 billion) and PancakeSwap ($11.51 billion).
Defi 的项目每天都在不断发展和扩大，而在 2022 年，有几个有趣的项目吸引了我们的眼球。今天就让我们快速了解一些年度最新以及最热门的 DeFi 项目吧！
Defi's projects are growing and expanding every day, and in 2022, several interesting projects attracted our eyes. Today, let's get a quick look at some of the latest and most popular DeFi projects of the year!
排名前 3 的 DeFi 项目
DeFi items in top 3
1. LUNA（Terra）
LUNA 是一个将去中心化金融与稳定币概念相结合的下一代智能合约平台。其平台支持稳定币，并提供即时结算、低费用和无缝跨境交易。LUNA 扮演着不稳定的主干网角色，使 Terra（其稳定币兄弟姐妹）保持平衡和稳定。 随着各种关于 LUNA 的开创性头条新闻以每月两位数的增长位居交易所之首，同时 DeFi 的新兴流行也使稳定币受到了消费者和政府等方面的认真关注，这使得 LUNA 成为大家关注的对象。
LUNA is a platform for the next generation of smart contracts that combine the concept of decentralized finance with the concept of a stable currency. Its platform supports currency stabilization and provides instant settlement, low cost, and seamless cross-border transactions.
2. 雪崩（Avalanche）
2. Avalanche
雪崩（AVAX, Avalanche）将自己定位为“区块链行业中最快的智能合约平台”，同时也巩固了他们在蓬勃发展的 NFT 领域地位，并与其他区块链项目建立了连接，如 SushiSwap (SUSHI)、Chainlink (LINK) 和 Graph (GRT)。 该项目将自己定位为以太坊的直接竞争对手，因为它能够在短时间内提供更低价的交易。最近，雪崩完成了 2.3 亿美元的融资，以支持其 DeFi 计划，使其成为 一个诱人的 DeFi 项目。
The avalanche (AVAX, Avalanche) has positioned itself as the “fast smart contracting platform in the block chain industry” and has also consolidated their position in the booming NFT area and has established links with other block chain projects, such as SushiSwap (SUSHI), Chainlink (LINK) and Graph (GRT). The project has positioned itself as a direct competitor in the Pacific because it can provide cheaper transactions in a short period of time. Recently, the avalanche has completed $230 million in financing to support its DeFi project, making it an attractive DeFi project.
3. 幽灵（Aave）
Ghosts (Aave)
AAVE 于 2017 年以 ETHLend 的名义首次发起，是市场上最早的 DeFi 平台之一。 Aave 是一个去中心化的流动性平台，允许借入资产并从存款中赚取回报。它将贷方和借方聚集在一个分散的空间中，以实现机会平等的贷款系统。您还可以通过在 Aave DeFi 平台上押注 AAVE 代币来获得奖励和折扣。
AAVE was first launched in 2017 in the name of ETHLend, one of the first DeFi platforms on the market. Aave is a decentralised mobile platform that allows loans to be made and returns on deposits. It gathers lenders and borrowers in a decentralized space to achieve an equal opportunity lending system. You can also get incentives and discounts by betting on AAVE on the Aave DeFi platform.
Defi 的未来
The future of Defi
DeFi 平台已获得消费者和投资者的认可。每天筹集数百万美元来推动计划、改进和构建，并持续扩大现有的网络。如今，这些加密创新通过增加对重要且无法获得的金融工具的可及性，为实现金融平等铺平了道路。而 DeFi 也成功消除了这一差距，为极少数富人阻止经济发展的障碍成为过去。 DeFi 的未来已经到来，而这个机会属于我们每一个人。
The DeFi platform has been recognized by consumers and investors. Millions of dollars are raised every day to drive planning, improvement, and construction, and to continuously expand existing networks. Today, these encryption innovations have paved the way for financial equity by increasing access to important and inaccessible financial instruments.
除了市场上顶级的 DeFi 项目外，DeFi 空间还有一个即将到来的新潜力项目。lala DeFi作为高收益的 DeFi 协议正在进入加密领域，并于 2022 年 2 月 28 日正式推出。lala DeFi是一个社区驱动的 DeFi 聚合器，旨在为任何想要首次加入加密空间的人创建一个简单、安全和舒适的空间。lala Defi 最受关注的核心功能是 lala Pools 功能。 lala Pools 允许投资者从 4 种不同类别的稳定币质押池（儿童游戏、安全区、大鲨鱼、巨鲸）中进行选择，每个质押池的质押时长和收益率都有所不同。
In addition to the top-of-the-market DeFi project, there is a new potential project in DeFi. Lala DeFi is entering the encryption field as a high-yield DeFi protocol, which was officially launched on 28 February 2022. Lala DeFi is a community-driven DeFi polymer designed to create a simple, secure and comfortable space for anyone who wants to join encryption space for the first time.
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