{"id":42310,"date":"2023-04-24T20:08:06","date_gmt":"2023-04-24T18:08:06","guid":{"rendered":"https:\/\/financer.sk\/?post_type=wiki&#038;p=42310"},"modified":"2024-09-19T16:17:37","modified_gmt":"2024-09-19T14:17:37","slug":"co-je-defi","status":"publish","type":"wiki","link":"https:\/\/financer.sk\/kryptomeny\/clanky\/co-je-defi\/","title":{"rendered":"\u010co je DeFi?"},"content":{"rendered":"\n<p>V dne\u0161nej dobe sa <strong>tradi\u010dn\u00e9 finan\u010dn\u00e9 slu\u017eby zv\u00e4\u010d\u0161a poskytuj\u00fa cez centr\u00e1lne in\u0161tit\u00facie,<\/strong> ako s\u00fa banky \u010di pois\u0165ovne, ktor\u00e9 s\u00fa zodpovedn\u00e9 za spr\u00e1vu a spracovanie finan\u010dn\u00fdch transakci\u00ed.<\/p>\n\n\n\n<p>DeFi, teda decentralizovan\u00e9 financie, predstavuj\u00fa <strong>nov\u00fd pr\u00edstup k finan\u010dn\u00fdm slu\u017eb\u00e1m,<\/strong> ktor\u00fd sa zaklad\u00e1 na vyu\u017e\u00edvan\u00ed <a href=\"https:\/\/financer.sk\/wiki\/co-je-blockchain\/\">blockchain<\/a> technol\u00f3gie.<\/p>\n\n\n\n<p>Ide o<strong> aplik\u00e1cie zalo\u017een\u00e9 na blockchaine<\/strong> vykon\u00e1vaj\u00face transakcie, ktor\u00e9 boli doteraz vykon\u00e1van\u00e9 klasick\u00fdmi bankami alebo makl\u00e9rmi.<\/p>\n\n\n\n<p>Na druhej strane DeFi umo\u017e\u0148uje pou\u017e\u00edvate\u013eom poskytova\u0165 a <strong>vyu\u017e\u00edva\u0165 finan\u010dn\u00e9 slu\u017eby priamo a decentralizovane, <\/strong>bez potreby prostredn\u00edkov. <\/p>\n\n\n\n<p>V tomto \u010dl\u00e1nku sa pozrieme na to, \u010do presne je DeFi, ako funguje a ak\u00e9 s\u00fa jeho v\u00fdhody a rizik\u00e1.<\/p>\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"DeFi_Decentralizovan_financie___vznam\">DeFi (Decentralizovan\u00e9 financie) &#8211; v\u00fdznam<\/h2>\n\n\n\n<p>Decentralizovan\u00e9 financie predstavuj\u00fa <strong>nov\u00fd ekosyst\u00e9m finan\u010dn\u00fdch slu\u017eieb, <\/strong>ktor\u00e9 s\u00fa zalo\u017een\u00e9 na vyu\u017e\u00edvan\u00ed blockchain technol\u00f3gie. <\/p>\n\n\n\n<p>Umo\u017e\u0148uj\u00fa pou\u017e\u00edvate\u013eom <strong>poskytova\u0165 a vyu\u017e\u00edva\u0165 finan\u010dn\u00e9 slu\u017eby priamo a decentralizovane, <\/strong>bez potreby tradi\u010dn\u00fdch finan\u010dn\u00fdch in\u0161tit\u00faci\u00ed ako s\u00fa banky, pois\u0165ovne \u010di investi\u010dn\u00e9 spolo\u010dnosti.<\/p>\n\n\n\n<p>V tomto ekosyst\u00e9me sa finan\u010dn\u00e9 <strong>transakcie uskuto\u010d\u0148uj\u00fa prostredn\u00edctvom decentralizovan\u00fdch aplik\u00e1ci\u00ed,<\/strong> tzv. DApps, ktor\u00e9 be\u017eia na blockchain technol\u00f3gii. <\/p>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div>V\u010faka tomu, \u017ee DeFi je decentralizovan\u00fd a otvoren\u00fd syst\u00e9m, umo\u017e\u0148uje svojim pou\u017e\u00edvate\u013eom z\u00edska\u0165 <strong data-rich-text-format-boundary=\"true\">v\u00e4\u010d\u0161iu kontrolu nad svojimi finan\u010dn\u00fdmi prostriedkami<\/strong> a zv\u00fd\u0161i\u0165 transparentnos\u0165 a bezpe\u010dnos\u0165 finan\u010dn\u00fdch transakci\u00ed.<\/div>\n\n\n<p><strong>DeFi m\u00e1 tie\u017e potenci\u00e1l zlep\u0161i\u0165 pr\u00edstup k finan\u010dn\u00fdm slu\u017eb\u00e1m<\/strong> pre \u013eud\u00ed, ktor\u00ed nemaj\u00fa pr\u00edstup k tradi\u010dn\u00fdm finan\u010dn\u00fdm in\u0161tit\u00faci\u00e1m, napr\u00edklad pre t\u00fdch, ktor\u00ed \u017eij\u00fa v rozvojov\u00fdch krajin\u00e1ch alebo pre osoby bez bankov\u00e9ho \u00fa\u010dtu.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe title=\"DeFi - Decentralizovan\u00e9 finance v 5 minut\u00e1ch | Krypto-poradna E15.cz\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/4H9iNeQA8OQ?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><figcaption class=\"wp-element-caption\">DeFi v 5 min\u00fatach | Bitcoinovej kan\u00e1l<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"DeFi_vs_tradin_financie\">DeFi vs tradi\u010dn\u00e9 financie<\/h2>\n\n\n\n<p>Existuje nieko\u013eko v\u00fdznamn\u00fdch rozdielov medzi DeFi a tradi\u010dn\u00fdmi, centralizovan\u00fdmi financiami (CeFi)<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><thead><tr><th>Parameter<\/th><th>DeFi<\/th><th>CeFi<\/th><\/tr><\/thead><tbody><tr><td><strong>Defin\u00edcia<\/strong><\/td><td>DeFi je syst\u00e9m finan\u010dn\u00fdch slu\u017eieb zalo\u017een\u00fdch na blockchain technol\u00f3gii a decentralizovan\u00fdch protokoloch.<\/td><td>CeFi je tradi\u010dn\u00fd finan\u010dn\u00fd syst\u00e9m zalo\u017een\u00fd na centralizovanej kontrole a spr\u00e1ve finan\u010dn\u00fdch in\u0161tit\u00faci\u00ed.<\/td><\/tr><tr><td><strong>Centraliz\u00e1cia<\/strong><\/td><td>Decentralizovan\u00fd, \u017eiadna centr\u00e1lna autorita.<\/td><td>Centralizovan\u00fd, centr\u00e1lne finan\u010dn\u00e9 in\u0161tit\u00facie a autority.<\/td><\/tr><tr><td><strong>Povaha transakci\u00ed<\/strong><\/td><td>Verejn\u00e1 a transparentn\u00e1<\/td><td>Priv\u00e1tna a obmedzene transparentn\u00e1<\/td><\/tr><tr><td><strong>Auton\u00f3mia<\/strong><\/td><td>U\u017e\u00edvatelia maj\u00fa \u00fapln\u00fa kontrolu nad svojimi financiami.<\/td><td>U\u017e\u00edvatelia musia d\u00f4verova\u0165 tret\u00edm stran\u00e1m na spr\u00e1vu finan\u010dn\u00fdch prostriedkov.<\/td><\/tr><tr><td><strong>Prieskum \u00faverov<\/strong><\/td><td>DeFi platformy \u010dasto pon\u00fakaj\u00fa otvoren\u00e9 a transparentn\u00e9 mo\u017enosti prieskumu \u00faverov.<\/td><td>CeFi platformy obvykle vy\u017eaduj\u00fa vysok\u00e9 \u00farokov\u00e9 sadzby a m\u00f4\u017eu ma\u0165 obmedzen\u00fd pr\u00edstup k \u00faverov\u00fdm inform\u00e1ci\u00e1m.<\/td><\/tr><tr><td><strong>Likvidita<\/strong><\/td><td>Likvidita v DeFi m\u00f4\u017ee by\u0165 obmedzen\u00e1 na men\u0161iu skupinu pou\u017e\u00edvate\u013eov.<\/td><td>CeFi m\u00e1 \u010dasto vy\u0161\u0161iu likviditu, preto\u017ee je pripojen\u00e9 k centr\u00e1lnej infra\u0161trukt\u00fare.<\/td><\/tr><tr><td><strong>Bezpe\u010dnos\u0165<\/strong><\/td><td>Riziko hackingu smart kontraktov a k\u00f3du.<\/td><td>Riziko centr\u00e1lneho \u00fatoku a zlyhania syst\u00e9mu.<\/td><\/tr><tr><td><strong>Regul\u00e1cia<\/strong><\/td><td>Menej regul\u00e1cie a doh\u013eadu.<\/td><td>Vy\u0161\u0161ia regul\u00e1cia a doh\u013ead zo strany vl\u00e1d a finan\u010dn\u00fdch in\u0161tit\u00faci\u00ed.<\/td><\/tr><tr><td><strong>Finan\u010dn\u00fd pr\u00edstup<\/strong><\/td><td>Pon\u00faka pr\u00edstup k finan\u010dn\u00fdm slu\u017eb\u00e1m pre jednotlivcov, ktor\u00ed inak nemaj\u00fa pr\u00edstup k tradi\u010dn\u00fdm finan\u010dn\u00fdm syst\u00e9mom.<\/td><td>M\u00f4\u017ee vy\u017eadova\u0165 bankov\u00e9 \u00fa\u010dty, verifik\u00e1ciu a obmedzen\u00fd pr\u00edstup pre niektor\u00e9 popul\u00e1cie.<\/td><\/tr><tr><td><strong>Inov\u00e1cia<\/strong><\/td><td>R\u00fdchly v\u00fdvoj a nov\u00e9 finan\u010dn\u00e9 n\u00e1stroje a mo\u017enosti.<\/td><td>Inov\u00e1cie s\u00fa z\u00e1visl\u00e9 od tradi\u010dn\u00fdch finan\u010dn\u00fdch in\u0161tit\u00faci\u00ed a ich schopnosti adaptova\u0165 sa na nov\u00e9 technol\u00f3gie.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Ako_funguje_DeFi\">Ako funguje DeFi?<\/h2>\n\n\n\n<p>DeFi funguje <strong>na princ\u00edpe decentraliz\u00e1cie a automatiz\u00e1cie finan\u010dn\u00fdch transakci\u00ed <\/strong>pomocou blockchainu a smart kontraktov. V DeFi sa nevy\u017eaduje centr\u00e1lne riadenie alebo spr\u00e1va, ako je to v tradi\u010dn\u00fdch finan\u010dn\u00fdch syst\u00e9moch. <\/p>\n\n\n\n<p>Namiesto toho, <strong>DeFi vyu\u017e\u00edva decentralizovan\u00e9 aplik\u00e1cie (DApps) <\/strong>postaven\u00e9 na blockchainovej sieti, ktor\u00e9 umo\u017e\u0148uj\u00fa u\u017e\u00edvate\u013eom vyu\u017e\u00edva\u0165 r\u00f4zne finan\u010dn\u00e9 slu\u017eby a produkty.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div>V DeFi sa v\u00e4\u010d\u0161inou pou\u017e\u00edva <a href=\"https:\/\/financer.sk\/kryptomeny\/ethereum\/\">Ethereum<\/a> <strong>blockchain, preto\u017ee umo\u017e\u0148uje tvorbu smart kontraktov. <\/strong>Smart kontrakty s\u00fa programy nap\u00edsan\u00e9 v programovacom jazyku, ktor\u00e9 sa vykon\u00e1vaj\u00fa automaticky na blockchainovej sieti, ke\u010f s\u00fa splnen\u00e9 ur\u010dit\u00e9 podmienky.<\/div>\n\n\n<p>Jednou z k\u013e\u00fa\u010dov\u00fdch v\u00fdhod DeFi je, \u017ee<strong> umo\u017e\u0148uje \u013eu\u010fom ma\u0165 \u00fapln\u00fa kontrolu nad svojimi financiami <\/strong>a d\u00e1va im mo\u017enos\u0165 bezprobl\u00e9movo vyu\u017e\u00edva\u0165 finan\u010dn\u00e9 slu\u017eby bez potreby prech\u00e1dza\u0165 cez centr\u00e1lne autority alebo finan\u010dn\u00e9 in\u0161tit\u00facie. <\/p>\n\n\n\n<p>DeFi <strong>umo\u017e\u0148uje aj vysok\u00fa transparentnos\u0165 a d\u00f4veru v transakcie,<\/strong> preto\u017ee v\u0161etky transakcie s\u00fa zaznamenan\u00e9 na blockchainovej sieti, ktor\u00e1 je verejne pr\u00edstupn\u00e1. To umo\u017e\u0148uje \u013eu\u010fom sledova\u0165 svoje transakcie a kontrolova\u0165, kam s\u00fa ich peniaze pres\u00favan\u00e9.<\/p>\n\n\n\n<p>Celkovo, DeFi prin\u00e1\u0161a <strong>nov\u00e9 mo\u017enosti pre finan\u010dn\u00e9 slu\u017eby a produkty, <\/strong>ktor\u00e9 s\u00fa r\u00fdchlej\u0161ie, efekt\u00edvnej\u0161ie, transparentnej\u0161ie a bez centr\u00e1lneho riadenia.<\/p>\n\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.sk\/kryptomeny\/\" class=\"button  is-primary is-medium\" target=\"_blank\"  >K\u00fapi\u0165 kryptomeny<\/a><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Ak_je_loha_blockchainu_v_DeFi\">Ak\u00e1 je \u00faloha blockchainu v DeFi?<\/h3>\n\n\n\n<p>Technol\u00f3gia blockchain zohr\u00e1va k\u013e\u00fa\u010dov\u00fa \u00falohu v decentralizovan\u00fdch financi\u00e1ch (DeFi). <strong>Blockchain predstavuje nez\u00e1visl\u00fa a d\u00f4veruhodn\u00fa \u00falo\u017eiskov\u00fa infra\u0161trukt\u00faru, <\/strong>ktor\u00e1 umo\u017e\u0148uje bezpe\u010dne a transparentne uchov\u00e1va\u0165 a overova\u0165 finan\u010dn\u00e9 transakcie.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div>Jedn\u00fdm z najd\u00f4le\u017eitej\u0161\u00edch aspektov blockchainu v DeFi je jeho <strong data-rich-text-format-boundary=\"true\">distribuovan\u00fd charakter. <\/strong>\nV decentralizovan\u00fdch finan\u010dn\u00fdch aplik\u00e1ci\u00e1ch sa transakcie spracov\u00e1vaj\u00fa na viacer\u00fdch uzloch v sieti, \u010do zaru\u010duje transparentnos\u0165 a zabra\u0148uje jednotliv\u00fdm uzlom v sieti manipulova\u0165 s finan\u010dn\u00fdmi transakciami.<\/div>\n\n\n<p>\u010eal\u0161ou v\u00fdhodou blockchainu v DeFi je jeho <strong>mo\u017enos\u0165 overovania identity pomocou kryptografie. <\/strong>DeFi aplik\u00e1cie m\u00f4\u017eu pou\u017ei\u0165 blockchain na overenie identity u\u017e\u00edvate\u013eov bez potreby ukladania citliv\u00fdch inform\u00e1ci\u00ed na centr\u00e1lne servery.<\/p>\n\n\n\n<p>Okrem toho, blockchain <strong>umo\u017e\u0148uje programovate\u013en\u00e9 finan\u010dn\u00e9 slu\u017eby v DeFi aplik\u00e1ci\u00e1ch. <\/strong>T\u00fdm, \u017ee sa finan\u010dn\u00e9 oper\u00e1cie vykon\u00e1vaj\u00fa automaticky na z\u00e1klade prednastaven\u00fdch pravidiel a podmienok, m\u00f4\u017eu sa eliminova\u0165 potreby finan\u010dn\u00fdch prostredn\u00edkov, ktor\u00ed by inak spracov\u00e1vali a overovali finan\u010dn\u00e9 transakcie.<\/p>\n\n\n\n<p>V\u010faka svojej decentralizovanej a d\u00f4vernej povahy, <strong>blockchain technol\u00f3gia je pre DeFi k\u013e\u00fa\u010dov\u00e1, <\/strong>preto\u017ee umo\u017e\u0148uje u\u017e\u00edvate\u013eom realizova\u0165 r\u00f4zne finan\u010dn\u00e9 oper\u00e1cie bez potreby centr\u00e1lnej autority alebo finan\u010dn\u00e9ho prostredn\u00edka.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Ak_je_loha_smart_kontraktov_v_DeFi\">Ak\u00e1 je \u00faloha smart kontraktov v DeFi?<\/h3>\n\n\n\n<p>Smart kontrakty s\u00fa <strong>jedn\u00fdm z najd\u00f4le\u017eitej\u0161\u00edch komponentov DeFi ekosyst\u00e9mu.<\/strong> V DeFi aplik\u00e1ci\u00e1ch sl\u00fa\u017eia ako programovate\u013en\u00e9 finan\u010dn\u00e9 zmluvy, ktor\u00e9 umo\u017e\u0148uj\u00fa automatizovan\u00e9 a bezpe\u010dn\u00e9 vykon\u00e1vanie finan\u010dn\u00fdch oper\u00e1ci\u00ed bez potreby tradi\u010dn\u00fdch finan\u010dn\u00fdch in\u0161tit\u00faci\u00ed alebo finan\u010dn\u00fdch prostredn\u00edkov.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><!-- wp:paragraph -->\nSmart kontrakty s\u00fa <strong>\naprogramovan\u00e9 na vykon\u00e1vanie konkr\u00e9tnych finan\u010dn\u00fdch oper\u00e1ci\u00ed<\/strong> pod\u013ea predom definovan\u00fdch pravidiel a podmienok.\n<!-- \/wp:paragraph --> <!-- wp:paragraph -->\nNapr\u00edklad, smart kontrakt na DeFi platforme pre po\u017ei\u010diavanie m\u00f4\u017ee automaticky poskytn\u00fa\u0165 p\u00f4\u017ei\u010dku u\u017e\u00edvate\u013eovi na z\u00e1klade jeho \u00faverovej hodnoty a z\u00e1ruky.\n<!-- \/wp:paragraph --> <!-- wp:paragraph -->\nAk u\u017e\u00edvate\u013e spln\u00ed v\u0161etky podmienky p\u00f4\u017ei\u010dky v stanovenom term\u00edne, smart kontrakt vr\u00e1ti po\u017ei\u010dan\u00e9 finan\u010dn\u00e9 prostriedky a pr\u00edpadne vygeneruje \u00faroky.\n<!-- \/wp:paragraph --><\/div>\n\n\n<p>Smart kontrakty teda umo\u017e\u0148uj\u00fa <strong>automatick\u00e9 vykon\u00e1vanie finan\u010dn\u00fdch oper\u00e1ci\u00ed bez potreby \u013eudskej intervencie <\/strong>a zabezpe\u010duj\u00fa ich bezpe\u010dnos\u0165 a transparentnos\u0165. <\/p>\n\n\n\n<p>Z\u00e1rove\u0148 poskytuj\u00fa u\u017e\u00edvate\u013eom mo\u017enos\u0165 ma\u0165 \u00fapln\u00fa kontrolu nad svojimi finan\u010dn\u00fdmi prostriedkami a transakciami. <\/p>\n\n\n\n<p>S\u00fa tak d\u00f4le\u017eit\u00fdm n\u00e1strojom, ktor\u00fd <strong>umo\u017e\u0148uje DeFi aplik\u00e1ci\u00e1m pon\u00faka\u0165 r\u00f4zne finan\u010dn\u00e9 slu\u017eby,<\/strong> ako napr\u00edklad <a href=\"https:\/\/financer.sk\/sporenie\/ako-usetrit-peniaze\/\">sporenie<\/a>, <a href=\"https:\/\/financer.sk\/pozicky\/\">p\u00f4\u017ei\u010dky<\/a>, zabezpe\u010denie finan\u010dn\u00fdch prostriedkov alebo zasielanie platobn\u00fdch tokenov.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Ak_je_loha_DApps_v_DeFi\">Ak\u00e1 je \u00faloha DApps v DeFi?<\/h3>\n\n\n\n<p>Decentralizovan\u00e9 aplik\u00e1cie (DApps) <strong>s\u00fa k\u013e\u00fa\u010dov\u00fdm komponentom DeFi ekosyst\u00e9mu. <\/strong>V DeFi sl\u00fa\u017eia ako n\u00e1stroj na poskytovanie finan\u010dn\u00fdch slu\u017eieb bez centr\u00e1lnej autority a medzi\u010dloveka.<\/p>\n\n\n\n<p><strong>DApps vyu\u017e\u00edvaj\u00fa blockchain technol\u00f3giu a smart kontrakty <\/strong>na poskytovanie finan\u010dn\u00fdch slu\u017eieb priamo medzi u\u017e\u00edvate\u013emi. V\u010faka tomu s\u00fa DeFi aplik\u00e1cie ove\u013ea transparentnej\u0161ie a bezpe\u010dnej\u0161ie ako tradi\u010dn\u00e9 finan\u010dn\u00e9 in\u0161tit\u00facie. <\/p>\n\n\n\n<p>Navy\u0161e, DApps umo\u017e\u0148uj\u00fa u\u017e\u00edvate\u013eom ma\u0165 \u00fapln\u00fa kontrolu nad svojimi finan\u010dn\u00fdmi prostriedkami a transakciami, \u010do zvy\u0161uje ich slobodu a nez\u00e1vislos\u0165.<\/p>\n\n\n\n<p>Medzi naj\u010dastej\u0161ie vyu\u017e\u00edvan\u00e9 DeFi DApps patria:<\/p>\n\n\n\n<ul>\n<li><strong>Decentralizovan\u00e9 burzy (DEX).<\/strong> Umo\u017e\u0148uj\u00fa u\u017e\u00edvate\u013eom vymie\u0148a\u0165 <a href=\"https:\/\/financer.sk\/blog\/ake-kryptomeny-kupit\/\" data-type=\"post\" data-id=\"27695\">kryptomeny<\/a> medzi sebou bez centr\u00e1lnej autority. U\u017e\u00edvatelia m\u00f4\u017eu vymie\u0148a\u0165 kryptomeny s minim\u00e1lnymi poplatkami, ako aj bez nutnosti registr\u00e1cie.<\/li>\n\n\n\n<li><strong>Platformy pre po\u017ei\u010diavanie a vypo\u017ei\u010diavanie kryptomien.<\/strong> Umo\u017e\u0148uj\u00fa u\u017e\u00edvate\u013eom poskytova\u0165 alebo z\u00edska\u0165 p\u00f4\u017ei\u010dky v kryptomen\u00e1ch bez potreby tradi\u010dnej banky. U\u017e\u00edvatelia m\u00f4\u017eu z\u00edska\u0165 p\u00f4\u017ei\u010dky za ni\u017e\u0161ie \u00farokov\u00e9 sadzby a s men\u0161\u00edmi poplatkami.<\/li>\n\n\n\n<li><strong>Protokoly pre zais\u0165ovanie finan\u010dn\u00fdch prostriedkov. <\/strong>Umo\u017e\u0148uj\u00fa u\u017e\u00edvate\u013eom zabezpe\u010di\u0165 svoje kryptomeny a z\u00edska\u0165 pas\u00edvny pr\u00edjem. U\u017e\u00edvatelia m\u00f4\u017eu ulo\u017ei\u0165 svoje kryptomeny do protokolu a z\u00edska\u0165 z nich pas\u00edvne pr\u00edjmy v podobe \u00farokov alebo tokenov.<\/li>\n<\/ul>\n\n\n\n<p>DApps teda umo\u017e\u0148uj\u00fa u\u017e\u00edvate\u013eom <strong>vyu\u017e\u00edva\u0165 r\u00f4zne finan\u010dn\u00e9 slu\u017eby bez potreby centr\u00e1lnej autority<\/strong> a sprostredkovate\u013ea. To zvy\u0161uje transparentnos\u0165 a bezpe\u010dnos\u0165 finan\u010dn\u00fdch transakci\u00ed a zvy\u0161uje slobodu a nez\u00e1vislos\u0165 u\u017e\u00edvate\u013eov.<\/p>\n\n\n<h3 id=\"Konkrtne_prklady_decentralizovanch_aplikci\">Konkr\u00e9tne pr\u00edklady decentralizovan\u00fdch aplik\u00e1ci\u00ed<\/h3>\n<p><\/p>\n<ul>\n<li><strong>Uniswap.<\/strong> Ide o decentralizovan\u00fa burzu na Ethereum blockchaine, ktor\u00e1 umo\u017e\u0148uje pou\u017e\u00edvate\u013eom obchodova\u0165 s kryptomenami a tokenmi. Uniswap je zalo\u017een\u00fd na automatizovanom trhovom modeli (AMM), ktor\u00fd umo\u017e\u0148uje pou\u017e\u00edvate\u013eom obchodova\u0165 bez potreby tradi\u010dn\u00fdch sprostredkovate\u013eov. Pou\u017e\u00edvatelia m\u00f4\u017eu z\u00e1rove\u0148 poskytn\u00fa\u0165 likviditu protokolu a za odmenu z\u00edska\u0165 pas\u00edvne pr\u00edjmy za poskytnutie likvidity.<\/li>\n<li><strong>Aave.<\/strong> Je decentralizovan\u00fd protokol na p\u00f4\u017ei\u010dky a \u00favery. Umo\u017e\u0148uje pou\u017e\u00edvate\u013eom po\u017ei\u010da\u0165 si alebo poskytn\u00fa\u0165 p\u00f4\u017ei\u010dku na Ethereum blockchaine. Aave pou\u017e\u00edva tzv. flash p\u00f4\u017ei\u010dky, ktor\u00e9 umo\u017e\u0148uj\u00fa pou\u017e\u00edvate\u013eom po\u017ei\u010da\u0165 si kryptomenu na kr\u00e1tku dobu bez potreby kolater\u00e1lu.<\/li>\n<li><strong>Compound. <\/strong>Je \u010fal\u0161\u00ed decentralizovan\u00fd protokol na p\u00f4\u017ei\u010dky a \u00favery na Ethereum blockchaine. Pou\u017e\u00edvatelia m\u00f4\u017eu niekomu po\u017ei\u010da\u0165, pr\u00edpadni si sami po\u017ei\u010da\u0165 kryptomeny. Po\u017ei\u010dan\u00edm samozrejme m\u00e1te mo\u017enos\u0165 z\u00edska\u0165 pas\u00edvny pr\u00edjem z \u00farokov.<\/li>\n<li><strong>MakerDAO. <\/strong>Je protokol na tvorbu stabilnej kryptomeny DAI, ktor\u00e1 je viazan\u00e1 na hodnotu dol\u00e1ra. Pou\u017e\u00edvatelia m\u00f4\u017eu z\u00edska\u0165 DAI t\u00fdm, \u017ee poskytn\u00fa z\u00e1lohu v podobe Etheru, pr\u00edpadne in\u00fdch kryptomien.<\/li>\n<li><strong>Yearn Finance. <\/strong>Je platforma, ktor\u00e1 sa zameriava na optimaliz\u00e1ciu v\u00fdnosov z DeFi invest\u00edci\u00ed. Yearn Finance pou\u017e\u00edva automatizovan\u00fd proces, ktor\u00fd h\u013ead\u00e1 najlep\u0161ie v\u00fdnosy z r\u00f4znych DeFi protokolov a investuje do nich na z\u00e1klade \u00fadajov o v\u00fdnose.<\/li>\n<\/ul>\n\n\n<h2 class=\"wp-block-heading\" id=\"Vyuitie_DeFi_v_praxi\">Vyu\u017eitie DeFi v praxi<\/h2>\n\n\n\n<p>DeFi m\u00e1 mnoho vyu\u017eit\u00ed v praxi a m\u00f4\u017ee poskytn\u00fa\u0165 r\u00f4zne v\u00fdhody pre pou\u017e\u00edvate\u013eov. <\/p>\n\n\n\n<p>Niektor\u00e9 z najd\u00f4le\u017eitej\u0161\u00edch vyu\u017eit\u00ed DeFi s\u00fa:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li>\n<p><strong>P\u00f4\u017ei\u010dky a \u00favery.<\/strong> DeFi umo\u017e\u0148uje pou\u017e\u00edvate\u013eom po\u017ei\u010da\u0165 si alebo poskytn\u00fa\u0165 \u00faver v decentralizovanom prostred\u00ed bez z\u00e1sahu centr\u00e1lnej banky alebo in\u00fdch finan\u010dn\u00fdch in\u0161tit\u00faci\u00ed. Tento proces je obvykle r\u00fdchlej\u0161\u00ed a menej n\u00e1kladn\u00fd ako v tradi\u010dnom finan\u010dnom syst\u00e9me.<\/p>\n<\/li><li>\n<p><strong>Obchodovanie a investovanie.<\/strong> DeFi poskytuje pou\u017e\u00edvate\u013eom mo\u017enos\u0165 obchodova\u0165 s digit\u00e1lnymi akt\u00edvami, ako s\u00fa <a href=\"https:\/\/financer.sk\/kryptomeny\/\">kryptomeny<\/a>, bez potreby finan\u010dn\u00e9ho sprostredkovate\u013ea alebo <a href=\"https:\/\/financer.sk\/sporenie\/investovanie-do-kryptomien\/\">burzy<\/a>. Pou\u017e\u00edvatelia m\u00f4\u017eu investova\u0165 do r\u00f4znych DeFi projektov a tokenov, ktor\u00e9 sa obchoduj\u00fa na decentralizovan\u00fdch burz\u00e1ch.<\/p>\n<\/li><li>\n<p><strong>Zabezpe\u010denie a zar\u00e1banie pe\u0148az\u00ed. <\/strong>Pou\u017e\u00edvatelia DeFi m\u00f4\u017eu uzamkn\u00fa\u0165 svoje kryptomeny ako z\u00e1lohu a z\u00edska\u0165 pr\u00edstup k p\u00f4\u017ei\u010dk\u00e1m v r\u00e1mci tohto z\u00e1lohov\u00e9ho procesu. Pou\u017e\u00edvatelia tie\u017e m\u00f4\u017eu z\u00edska\u0165 pas\u00edvny pr\u00edjem v\u010faka DeFi protokolom, ktor\u00e9 umo\u017e\u0148uj\u00fa vlastn\u00edkom tokenov zarobi\u0165 dividendy za poskytovanie likvidity na decentralizovan\u00fdch burz\u00e1ch.<\/p>\n<\/li><li>\n<p><strong>Platby a prevody.<\/strong> DeFi poskytuje pou\u017e\u00edvate\u013eom mo\u017enos\u0165 uskuto\u010d\u0148ova\u0165 platby a prevody cez blockchainy bez potreby bankov\u00fdch alebo in\u00fdch finan\u010dn\u00fdch in\u0161tit\u00faci\u00ed. Tieto transakcie s\u00fa r\u00fdchlej\u0161ie a lacnej\u0161ie ako v tradi\u010dnom finan\u010dnom syst\u00e9me.<\/p>\n<\/li><\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Budcnos_DeFi\">Bud\u00facnos\u0165 DeFi<\/h2>\n\n\n\n<p>DeFi sektor je st\u00e1le relat\u00edvne nov\u00fd a dynamick\u00fd. Jeho r\u00fdchly n\u00e1rast a popularita ale ukazuj\u00fa, \u017ee m\u00e1 potenci\u00e1l pre z\u00e1sadn\u00fa zmenu v finan\u010dnom svete. <\/p>\n\n\n\n<p>Tu s\u00fa niektor\u00e9 z mo\u017enost\u00ed a trendov, ktor\u00e9 m\u00f4\u017eu ur\u010di\u0165 bud\u00facnos\u0165 DeFi:<\/p>\n\n\n\n<ol>\n<li><strong>V\u00e4\u010d\u0161ia masov\u00e1 adopcia. <\/strong>S rast\u00facim pov\u011bdom\u00edm o DeFi a jeho v\u00fdhod\u00e1ch m\u00f4\u017ee by\u0165 v\u00e4\u010d\u0161ina \u013eud\u00ed motivovan\u00e1, aby vyu\u017e\u00edvali tieto decentralizovan\u00e9 finan\u010dn\u00e9 produkty a slu\u017eby.<\/li>\n\n\n\n<li><strong>\u0160ir\u0161ie spektrum finan\u010dn\u00fdch produktov.<\/strong> V DeFi existuje obrovsk\u00e1 pr\u00edle\u017eitos\u0165 pre v\u00fdvoj a uv\u00e1dzanie nov\u00fdch finan\u010dn\u00fdch produktov, ktor\u00e9 sa s\u00fastre\u010fuj\u00fa na konkr\u00e9tne potreby pou\u017e\u00edvate\u013eov, napr\u00edklad spojen\u00e9 s poisten\u00edm, \u00favermi a invest\u00edciami.<\/li>\n\n\n\n<li><strong>Integr\u00e1cia s tradi\u010dn\u00fdmi finan\u010dn\u00fdmi slu\u017ebami.<\/strong> Integr\u00e1cia medzi DeFi a tradi\u010dn\u00fdmi finan\u010dn\u00fdmi slu\u017ebami by mohla prinies\u0165 \u010fal\u0161ie pr\u00edle\u017eitosti pre v\u00fdvoj a rast DeFi.<\/li>\n\n\n\n<li><strong>Roz\u0161\u00edrenie pou\u017eitia DeFi do odvetvia podnikov\u00fdch financi\u00ed.<\/strong> DeFi m\u00f4\u017ee poskytn\u00fa\u0165 nov\u00e9 mo\u017enosti pre podnikov\u00e9 financie, ako napr\u00edklad zlep\u0161enie platebn\u00fdch procesov a z\u00edskanie pr\u00edstupu k likvidite.<\/li>\n\n\n\n<li><strong>Rie\u0161enie probl\u00e9mov t\u00fdkaj\u00facich sa finan\u010dnej inkl\u00fazie.<\/strong> DeFi by mohlo pom\u00f4c\u0165 rie\u0161i\u0165 probl\u00e9my t\u00fdkaj\u00face sa finan\u010dnej inkl\u00fazie, ktor\u00e9 s\u00fa st\u00e1le roz\u0161\u00edren\u00e9 v r\u00f4znych krajin\u00e1ch a regi\u00f3noch.<\/li>\n\n\n\n<li><strong>Nov\u00e9 inova\u010dn\u00e9 mo\u017enosti. <\/strong>DeFi m\u00f4\u017ee prinies\u0165 nov\u00e9 mo\u017enosti v oblasti financovania projektov, ktor\u00e9 s\u00fa zameran\u00e9 na soci\u00e1lne, environment\u00e1lne a zdravotn\u00e9 v\u00fdzvy.<\/li>\n<\/ol>\n\n\n\n<p>Vzh\u013eadom na vy\u0161\u0161ie spom\u00ednan\u00e9 faktory, m\u00f4\u017ee DeFi prinies\u0165 radik\u00e1lnu zmenu v sp\u00f4sobe, ak\u00fdm \u013eudia pristupuj\u00fa k finan\u010dn\u00fdm produktom a slu\u017eb\u00e1m.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Vhody_a_nevhody_DeFi\">V\u00fdhody a nev\u00fdhody DeFi<\/h2>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><li>\n<p>DeFi syst\u00e9my s\u00fa postaven\u00e9 na blockchain technol\u00f3gii, ktor\u00e1 umo\u017e\u0148uje decentralizovan\u00fa kontrolu a spr\u00e1vu finan\u010dn\u00fdch transakci\u00ed a produktov<\/p>\n<\/li><li>\n<p>DeFi umo\u017e\u0148uje bezprostredn\u00fd pr\u00edstup k finan\u010dn\u00fdm produktom a slu\u017eb\u00e1m bez nutnosti prostredn\u00edkov, ako s\u00fa banky a in\u00e9 finan\u010dn\u00e9 in\u0161tit\u00facie<\/p>\n<\/li><li>\n<p>V DeFi s\u00fa v\u0161etky transakcie verejne dostupn\u00e9 a transparentn\u00e9<\/p>\n<\/li><li>\n<p>V DeFi s\u00fa poplatky \u010dasto ni\u017e\u0161ie v porovnan\u00ed s tradi\u010dn\u00fdmi finan\u010dn\u00fdmi in\u0161tit\u00faciami<\/p>\n<\/li><li>\n<p>DeFi umo\u017e\u0148uje pou\u017e\u00edvate\u013eom \u00fapln\u00fa kontrolu nad ich finan\u010dn\u00fdmi prostriedkami a transakciami<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><li>\n<p>Pre niektor\u00fdch pou\u017e\u00edvate\u013eov m\u00f4\u017eu by\u0165 DeFi syst\u00e9my pr\u00edli\u0161 komplikovan\u00e9 na pou\u017e\u00edvanie a spr\u00e1vu<\/p>\n<\/li><li>\n<p>DeFi syst\u00e9my nie s\u00fa im\u00fanne vo\u010di kybernetick\u00fdm \u00fatokom a hackersk\u00fdm \u00fatokom<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_faq_list\"><h3 id=\"asto_kladen_otzky\">\u010casto kladen\u00e9 ot\u00e1zky<\/h3><h4>Ak\u00fd m\u00e1 v\u00fdznam term\u00edn DeFi?<\/h4><div class=\"faq_inner\">DeFi znamen\u00e1 Decentralized Finance, teda po slovensky decentralizovan\u00e9 financie. Je to term\u00edn, ktor\u00fd sa pou\u017e\u00edva na popis nov\u00e9ho trhu finan\u010dn\u00fdch produktov a slu\u017eieb, ktor\u00e9 s\u00fa postaven\u00e9 na technol\u00f3gi\u00ed blockchain.<\/div><h4>Ak\u00fd je hlavn\u00fd rozdiel medzi DeFi a tradi\u010dn\u00fdmi financiami?<\/h4><div class=\"faq_inner\">Hlavn\u00fdm rozdielom medzi DeFi a tradi\u010dn\u00fdmi financiami je, \u017ee DeFi umo\u017e\u0148uje bezprostredn\u00fd pr\u00edstup k finan\u010dn\u00fdm produktom a slu\u017eb\u00e1m bez nutnosti prostredn\u00edkov, ako s\u00fa banky a in\u00e9 finan\u010dn\u00e9 in\u0161tit\u00facie.\u00a0<\/div><h4>Ako funguje DeFi?<\/h4><div class=\"faq_inner\">DeFi funguje pomocou blockchain technol\u00f3gie a smart kontraktov, ktor\u00e9 umo\u017e\u0148uj\u00fa bezprostredn\u00e9 a decentralizovan\u00e9 finan\u010dn\u00e9 transakcie a slu\u017eby. DeFi platformy s\u00fa otvoren\u00e9 pre ka\u017ed\u00e9ho a nemaj\u00fa centr\u00e1lne riadenie alebo kontrolu.<\/div><h4>Ako bezpe\u010dn\u00e9 s\u00fa DeFi platformy?<\/h4><div class=\"faq_inner\">Bezpe\u010dnos\u0165 DeFi platformy z\u00e1vis\u00ed od viacer\u00fdch faktorov, vr\u00e1tane pou\u017eit\u00fdch smart kontraktov, architekt\u00fary platformy a bezpe\u010dnostn\u00fdch opatren\u00ed. V\u00e4\u010d\u0161in platforiem v\u0161ak neust\u00e1le pracuje na zlep\u0161en\u00ed bezpe\u010dnosti a neust\u00e1le sa zav\u00e1dzaj\u00fa nov\u00e9 opatrenia.\u00a0<\/div><h4>Ak\u00fd je vplyv DeFi na tradi\u010dn\u00e9 finan\u010dn\u00e9 in\u0161tit\u00facie?<\/h4><div class=\"faq_inner\">DeFi m\u00e1 potenci\u00e1l zmeni\u0165 sp\u00f4sob, ak\u00fdm tradi\u010dn\u00e9 finan\u010dn\u00e9 in\u0161tit\u00facie funguj\u00fa a poskytuj\u00fa finan\u010dn\u00e9 slu\u017eby. Niektor\u00e9 in\u0161tit\u00facie u\u017e investuj\u00fa do DeFi projektov a sna\u017eia sa vyu\u017ei\u0165 ich v\u00fdhody, zatia\u013e \u010do in\u00e9 sa ob\u00e1vaj\u00fa konkurencie a rizika, ktor\u00e9 s\u00fa spojen\u00e9 s nov\u00fdmi technol\u00f3giami.<\/div><\/div>","protected":false},"author":87,"featured_media":29945,"comment_status":"open","ping_status":"closed","template":"","meta":{"disable_branded_featured_image":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","ep_exclude_from_search":false,"footnotes":""},"categories":[1111],"_links":{"self":[{"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/wiki\/42310"}],"collection":[{"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/wiki"}],"about":[{"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/types\/wiki"}],"author":[{"embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/users\/87"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/comments?post=42310"}],"version-history":[{"count":50,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/wiki\/42310\/revisions"}],"predecessor-version":[{"id":45433,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/wiki\/42310\/revisions\/45433"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/media\/29945"}],"wp:attachment":[{"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/media?parent=42310"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/categories?post=42310"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}