{"id":16082,"date":"2026-05-07T16:29:28","date_gmt":"2026-05-07T08:29:28","guid":{"rendered":"https:\/\/kj17.com\/zh_cn\/2026\/05\/07\/coin-lending-la-gi%ef%bc%9f2026%e5%b9%b4%e6%9c%80%e6%96%b0%e5%85%a5%e9%97%a8%e6%8c%87%e5%8d%97%ef%bc%8c%e6%94%b6%e7%9b%8a%e9%a3%8e%e9%99%a9%e5%85%a8%e8%a7%a3%e6%9e%90\/"},"modified":"2026-05-07T16:29:28","modified_gmt":"2026-05-07T08:29:28","slug":"coin-lending-la-gi%ef%bc%9f2026%e5%b9%b4%e6%9c%80%e6%96%b0%e5%85%a5%e9%97%a8%e6%8c%87%e5%8d%97%ef%bc%8c%e6%94%b6%e7%9b%8a%e9%a3%8e%e9%99%a9%e5%85%a8%e8%a7%a3%e6%9e%90","status":"publish","type":"post","link":"https:\/\/kj17.com\/en\/2026\/05\/07\/coin-lending-la-gi%ef%bc%9f2026%e5%b9%b4%e6%9c%80%e6%96%b0%e5%85%a5%e9%97%a8%e6%8c%87%e5%8d%97%ef%bc%8c%e6%94%b6%e7%9b%8a%e9%a3%8e%e9%99%a9%e5%85%a8%e8%a7%a3%e6%9e%90\/","title":{"rendered":"Coin Lending l\u00e0 g\u00ec\uff1f2026\u5e74\u6700\u65b0\u5165\u95e8\u6307\u5357\uff0c\u6536\u76ca\u98ce\u9669\u5168\u89e3\u6790"},"content":{"rendered":"<p><!-- FAQ JSON-LD Schema --><br \/>\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"\u4e3a\u4ec0\u4e48coin lending l\u00e0 g\u00ec\u5728\u4eca\u5e74\u7a81\u7136\u53d7\u5230\u5173\u6ce8\uff1f\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"coin lending l\u00e0 g\u00ec\u4e4b\u6240\u4ee5\u8131\u9896\u800c\u51fa\uff0c\u662f\u56e0\u4e3a\u5b83\u586b\u8865\u4e86\u5f53\u524d\u5e02\u573a\u5728\u81ea\u52a8\u5316\u6267\u884c\u548c\u8de8\u94fe\u4ea4\u4e92\u4e0a\u7684\u7a7a\u767d\u3002\u968f\u77402026\u5e74AI\u4e0e\u533a\u5757\u94fe\u878d\u5408\u7684\u52a0\u6df1\uff0ccoin lending l\u00e0 g\u00ec\u7684\u5e94\u7528\u6f5c\u529b\u88ab\u91cd\u65b0\u6316\u6398\u3002\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"\u65b0\u624b\u6295\u8d44coin lending l\u00e0 g\u00ec\u9700\u8981\u6ce8\u610f\u4ec0\u4e48\uff1f\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"\u9996\u5148\u8981\u5173\u6ce8coin lending l\u00e0 g\u00ec\u7684\u4ee3\u5e01\u7ecf\u6d4e\u5b66\uff08Tokenomics\uff09\uff0c\u4e86\u89e3\u5176\u901a\u80c0\u6a21\u578b\u548c\u89e3\u9501\u5468\u671f\u3002\u5176\u6b21\uff0c\u4e0d\u8981\u5728\u77ed\u671f\u66b4\u6da8\u65f6\u76f2\u76ee\u8ffd\u9ad8\uff0c\u5efa\u8bae\u91c7\u53d6\u5206\u6279\u5efa\u4ed3\u7684\u7b56\u7565\u6765\u5e73\u644a\u6210\u672c\u3002\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"coin lending l\u00e0 g\u00ec\u672a\u6765\u7684\u589e\u957f\u7a7a\u95f4\u6709\u591a\u5927\uff1f\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"\u6839\u636e2026\u5e74\u7684\u5e02\u573a\u6df1\u5ea6\u5206\u6790\uff0ccoin lending l\u00e0 g\u00ec\u5982\u679c\u80fd\u6309\u8ba1\u5212\u5b8c\u6210\u8def\u7ebf\u56fe\u4e2d\u7684\u91cd\u5927\u5347\u7ea7\uff0c\u5176\u5e02\u503c\u6709\u671b\u8fdb\u5165\u5782\u76f4\u9886\u57df\u7684\u524d\u5217\u3002\u4f46\u4e5f\u8981\u8b66\u60d5\u76d1\u7ba1\u653f\u7b56\u53d8\u5316\u5e26\u6765\u7684\u5e02\u573a\u56de\u8c03\u98ce\u9669\u3002\"\n      }\n    }\n  ]\n}\n<\/script><\/p>\n<p>= \u5f00\u5934\u6458\u8981 =<br \/>\n\u60f3\u77e5\u9053Coin Lending l\u00e0 g\u00ec\u4ee5\u53ca\u5982\u4f55\u901a\u8fc7\u52a0\u5bc6\u8d27\u5e01\u8d5a\u53d6\u88ab\u52a8\u6536\u5165\u5417\uff1f\u672c\u6587\u5c06\u6df1\u5165\u89e3\u6790Coin Lending\u7684\u5b9a\u4e49\u3001\u64cd\u4f5c\u6d41\u7a0b\u3001\u6536\u76ca\u5bf9\u6bd4\u53ca2026\u5e74\u6700\u65b0\u8d8b\u52bf\uff0c\u5e2e\u52a9\u60a8\u5728AI\u4e0e\u53bb\u4e2d\u5fc3\u5316\u8ba1\u7b97\u65f6\u4ee3\u6293\u4f4fDeFi\u7ea2\u5229\u3002<\/p>\n<p>= \u4ec0\u4e48\u662fCoin Lending\uff08\u5b9a\u4e49\uff09 =<br \/>\nCoin Lending\uff08\u52a0\u5bc6\u8d27\u5e01\u501f\u8d37\uff09\u662f\u4e00\u79cd\u53bb\u4e2d\u5fc3\u5316\u91d1\u878d\uff08DeFi\uff09\u673a\u5236\uff0c\u5141\u8bb8\u52a0\u5bc6\u8d27\u5e01\u6301\u6709\u8005\u5c06\u6570\u5b57\u8d44\u4ea7\u5b58\u5165\u501f\u8d37\u6c60\u6216\u5e73\u53f0\uff0c\u83b7\u53d6\u5229\u606f\u6536\u76ca\u3002\u501f\u6b3e\u4eba\u5219\u63d0\u4f9b\u62b5\u62bc\u7269\u6216\u4fe1\u7528\u8bc4\u4f30\u6765\u83b7\u5f97\u8d37\u6b3e\u3002\u57282026\u5e74\u7684AI+\u53bb\u4e2d\u5fc3\u5316\u8ba1\u7b97\u80cc\u666f\u4e0b\uff0cCoin Lending\u5df2\u6210\u4e3a\u52a0\u5bc6\u751f\u6001\u7cfb\u7edf\u7684\u6838\u5fc3\u57fa\u7840\u8bbe\u65bd\uff0c\u652f\u6491\u7740\u4ef7\u503c\u6570\u767e\u4ebf\u7f8e\u5143\u7684\u8d44\u4ea7\u6d41\u52a8\u3002<\/p>\n<p>= \u52a0\u5bc6\u8d27\u5e01\u501f\u8d37\u7684\u6838\u5fc3\u4f18\u52bf\uff08\u5217\u8868\uff09 =<br \/>\n1. \u88ab\u52a8\u6536\u5165\uff1a\u7528\u6237\u53ea\u9700\u6301\u6709\u5e76\u8d28\u62bc\u52a0\u5bc6\u8d44\u4ea7\u5373\u53ef\u83b7\u5f97\u6301\u7eed\u6536\u76ca<br \/>\n2. \u7075\u6d3b\u5b58\u53d6\uff1a\u591a\u6570\u5e73\u53f0\u652f\u6301\u968f\u65f6\u5b58\u53d6\uff0c\u65e0\u9501\u5b9a\u671f\u9650\u5236<br \/>\n3. \u62b5\u62bc\u501f\u8d37\uff1a\u53ef\u5229\u7528\u6301\u4ed3\u8fdb\u884c\u6760\u6746\u6295\u8d44\u6216\u5e94\u6025\u8d44\u91d1\u5468\u8f6c<br \/>\n4. \u6536\u76ca\u4f18\u5316\uff1a\u652f\u6301\u590d\u5408\u5229\u606f\u3001\u81ea\u52a8\u590d\u6295\u7b49\u7b56\u7565\u63d0\u5347\u56de\u62a5<br \/>\n5. \u8d44\u4ea7\u591a\u5143\u5316\uff1a\u53ef\u540c\u65f6\u53c2\u4e0e\u591a\u4e2a\u501f\u8d37\u6c60\u5206\u6563\u98ce\u9669<\/p>\n<p>= Coin Lending\u64cd\u4f5c\u5168\u6d41\u7a0b\uff08\u6b65\u9aa4\uff09 =<br \/>\n**\u7b2c\u4e00\u6b65\uff1a\u9009\u62e9\u501f\u8d37\u5e73\u53f0**<br \/>\n\u8bc4\u4f30\u5e73\u53f0\u7684TVL\uff08\u603b\u9501\u4ed3\u91cf\uff09\u3001\u5386\u53f2\u5b89\u5168\u8bb0\u5f55\u3001\u652f\u6301\u7684\u62b5\u62bc\u5e01\u79cd\u53ca\u5229\u7387\u6a21\u578b\u30022026\u5e74\u4e3b\u6d41\u5e73\u53f0\u5305\u62ecAave\u3001Compound\u3001Morpho\u7b49\uff0c\u5efa\u8bae\u4f18\u5148\u9009\u62e9\u7ecf\u8fc7\u591a\u8f6e\u5ba1\u8ba1\u7684\u6210\u719f\u534f\u8bae\u3002<\/p>\n<p>**\u7b2c\u4e8c\u6b65\uff1a\u521b\u5efa<a href=\"https:\/\/kj17.com\/en\/2026\/05\/07\/2026%e5%b9%b4%e5%8a%a0%e5%af%86%e8%b4%a7%e5%b8%81%e9%92%b1%e5%8c%85%e7%bb%88%e6%9e%81%e6%8c%87%e5%8d%97%ef%bc%9a%e5%ae%89%e5%85%a8%e4%be%bf%e6%8d%b7%e7%9a%84%e6%95%b0%e5%ad%97%e8%b5%84%e4%ba%a7\/\" target=\"_blank\">\u94b1\u5305<\/a>\u5e76\u8fde\u63a5**<br \/>\n\u4f7f\u7528MetaMask\u3001Rabby\u7b49\u94b1\u5305\u6d4f\u89c8\u5668\u63d2\u4ef6\u6216\u79fb\u52a8\u7aef\u94b1\u5305\uff0c\u8fde\u63a5\u81f3\u9009\u5b9a\u7684\u501f\u8d37\u5e73\u53f0\u3002\u786e\u4fdd\u94b1\u5305\u5b89\u5168\uff0c\u5efa\u8bae\u4f7f\u7528\u786c\u4ef6\u94b1\u5305\u8fdb\u884c\u5927\u989d\u64cd\u4f5c\u3002<\/p>\n<p>**\u7b2c\u4e09\u6b65\uff1a\u5b58\u5165\u52a0\u5bc6\u8d44\u4ea7**<br \/>\n\u9009\u62e9\u8981\u5b58\u5165\u7684\u5e01\u79cd\uff08\u5982USDT\u3001<a href=\"https:\/\/kj17.com\/en\/2026\/05\/07\/%e4%bb%a5%e5%a4%aa%e5%9d%8a%e7%bb%88%e6%9e%81%e6%8c%87%e5%8d%97%ef%bc%9a2026%e5%b9%b4%e6%9c%80%e5%85%b7%e6%bd%9c%e5%8a%9b%e7%9a%84%e5%8c%ba%e5%9d%97%e9%93%be%e5%b9%b3%e5%8f%b0%e6%b7%b1%e5%ba%a6\/\" target=\"_blank\">ETH<\/a>\u3001W<a href=\"https:\/\/kj17.com\/en\/2026\/05\/07\/%e6%af%94%e7%89%b9%e5%b8%81bolsa%e6%8a%95%e8%b5%84%e6%94%bb%e7%95%a5%ef%bc%9a2026%e5%b9%b4%e6%9c%80%e6%96%b0%e4%b9%b0%e5%85%a5%e6%97%b6%e6%9c%ba%e4%b8%8e%e5%ae%9e%e6%88%98%e6%8a%80%e5%b7%a7\/\" target=\"_blank\">BTC<\/a>\u7b49\uff09\uff0c\u786e\u8ba4\u5b58\u5165\u6570\u91cf\u5e76\u6388\u6743\u3002\u5e73\u53f0\u5c06\u663e\u793a\u5b9e\u65f6APY\uff08\u5e74\u5316\u6536\u76ca\u7387\uff09\uff0c\u786e\u8ba4\u540e\u5b8c\u6210\u5b58\u6b3e\u3002<\/p>\n<p>**\u7b2c\u56db\u6b65\uff1a\u5f00\u59cb\u8d5a\u53d6\u5229\u606f**<br \/>\n\u5b58\u6b3e\u6210\u529f\u540e\uff0c\u7cfb\u7edf\u81ea\u52a8\u8ba1\u7b97\u5229\u606f\u5e76\u8ba1\u5165\u8d26\u6237\u3002\u7528\u6237\u53ef\u9009\u62e9\u624b\u52a8\u9886\u53d6\u6216\u5f00\u542f\u81ea\u52a8\u590d\u6295\u529f\u80fd\u6700\u5927\u5316\u6536\u76ca\u3002<\/p>\n<p>**\u7b2c\u4e94\u6b65\uff1a\u7ba1\u7406\u8d37\u6b3e\uff08\u5982\u6709\u9700\u6c42\uff09**<br \/>\n\u5982\u9700\u501f\u6b3e\uff0c\u9009\u62e9\u62b5\u62bc\u8d44\u4ea7\u5e76\u8bbe\u7f6e\u8d37\u6b3e\u53c2\u6570\u3002\u52a1\u5fc5\u4fdd\u6301\u8db3\u591f\u7684\u5065\u5eb7\u56e0\u5b50\uff08Health Factor\uff09\uff0c\u907f\u514d\u88ab\u6e05\u7b97\u3002<\/p>\n<p>= \u4e3b\u6d41\u501f\u8d37\u5e73\u53f0\u5bf9\u6bd4\uff08\u5bf9\u6bd4\u5206\u6790\uff09 =<br \/>\n| \u5e73\u53f0 | \u652f\u6301\u5e01\u79cd | \u5178\u578bAPY\uff08USDT\uff09 | \u7279\u8272\u529f\u80fd | \u5b89\u5168\u5ba1\u8ba1 |<br \/>\n|&#8212;&#8212;|&#8212;&#8212;&#8212;-|&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;|&#8212;&#8212;&#8212;-|&#8212;&#8212;&#8212;-|<br \/>\n| Aave | 30+ | 3.5%-5.2% | \u95ea\u7535\u8d37\u3001\u5229\u7387\u5207\u6362 | \u591a\u8f6e\u5ba1\u8ba1 |<br \/>\n| Compound | 20+ | 3.2%-4.8% | \u6cbb\u7406\u4ee3\u5e01\u6fc0\u52b1 | \u9876\u7ea7\u5ba1\u8ba1 |<br \/>\n| Morphgo | 15+ | 4.0%-6.5% | \u6d41\u52a8\u6027\u6316\u77ff\u4f18\u5316 | \u5b9a\u671f\u5ba1\u8ba1 |<br \/>\n| Euler | 25+ | 4.5%-7.0% | \u5f39\u6027\u5229\u7387\u6a21\u578b | \u521b\u65b0\u5ba1\u8ba1 |<\/p>\n<p>2026\u5e74\u8d8b\u52bf\u663e\u793a\uff0cAI\u9a71\u52a8\u7684\u98ce\u9669\u8bc4\u4f30\u534f\u8bae\u9010\u6e10\u5174\u8d77\uff0c\u80fd\u591f\u6839\u636e\u7528\u6237\u884c\u4e3a\u52a8\u6001\u8c03\u6574\u5229\u7387\u548c\u62b5\u62bc\u8981\u6c42\u3002<\/p>\n<p>= 2026\u5e74\u5e02\u573a\u6570\u636e\u4e0e\u8d8b\u52bf\uff08\u6570\u636e\uff09 =<br \/>\n\u6839\u636e\u6700\u65b0\u5e02\u573a\u6570\u636e\uff0cDeFi\u501f\u8d37\u8d5b\u9053\u603b\u9501\u4ed3\u91cf\uff08TVL\uff09\u57282026\u5e74Q1\u7a81\u7834850\u4ebf\u7f8e\u5143\uff0c\u8f832025\u5e74\u589e\u957f\u7ea635%\u3002\u5176\u4e2dUSDT\u3001USDC\u7b49\u7a33\u5b9a\u5e01\u501f\u8d37\u5360\u636e\u4e3b\u5bfc\u5730\u4f4d\uff0c\u5360\u603b\u5e02\u573a\u768462%\u3002\u503c\u5f97\u5173\u6ce8\u7684\u662f\uff0cAI\u7b97\u529b\u4ee3\u5e01\uff08\u5982RNDR\u3001FET\uff09\u7684\u501f\u8d37\u9700\u6c42\u5feb\u901f\u589e\u957f\uff0cAPY\u666e\u904d\u57288%-15%\u4e4b\u95f4\uff0c\u53cd\u6620\u51fa&#8221;AI+\u53bb\u4e2d\u5fc3\u5316\u8ba1\u7b97&#8221;\u878d\u5408\u8d8b\u52bf\u3002<\/p>\n<p>\u4e3b\u6d41\u5e01\u79cd\u7684\u5e73\u5747APY\u5448\u73b0\u660e\u663e\u5206\u5c42\uff1a\u7a33\u5b9a\u5e01\u7ea63%-6%\uff0c\u4e3b\u6d41\u52a0\u5bc6\u8d27\u5e01\uff08ETH\u3001BTC\uff09\u7ea61%-4%\uff0c\u65b0\u5174AI\/\u8ba1\u7b97\u4ee3\u5e01\u5219\u8fbe\u52308%-15%\u3002Gas\u8d39\u7528\u65b9\u9762\uff0c\u4ee5\u592a\u574aLayer 2\u7f51\u7edc\uff08\u5982Base\u3001Arbitrum\uff09\u7684\u666e\u53ca\u4f7f\u501f\u8d37\u64cd\u4f5c\u6210\u672c\u964d\u81f30.1-0.5\u7f8e\u5143\uff0c\u5927\u5e45\u63d0\u5347\u4e86\u5c0f\u989d\u8d44\u91d1\u53c2\u4e0e\u5ea6\u3002<\/p>\n<p>= FAQ =<br \/>\n\u95ee\uff1aCoin Lending\u4e0e\u4f20\u7edf\u94f6\u884c\u50a8\u84c4\u6709\u4ec0\u4e48\u533a\u522b\uff1f<br \/>\n\u7b54\uff1aCoin Lending\u7684\u6838\u5fc3\u5dee\u5f02\u5728\u4e8e\u5176\u53bb\u4e2d\u5fc3\u5316\u5c5e\u6027\u548c\u6536\u76ca\u7387\u6c34\u5e73\u3002\u4f20\u7edf\u94f6\u884c\u5e74\u5229\u7387\u901a\u5e38\u4f4e\u4e8e0.1%\uff08\u5982\u7f8e\u5143\u50a8\u84c4\uff09\uff0c\u800cDeFi\u501f\u8d37\u5e73\u53f0\u63d0\u4f9b\u7684USDT\u5b58\u6b3e\u5229\u7387\u53ef\u8fbe3%-6%\uff0cETH\u5b58\u6b3e\u7ea61%-3%\u3002\u6b64\u5916\uff0cCoin Lending\u65e0\u9700KYC\u8eab\u4efd\u9a8c\u8bc1\uff0c24\/7\u968f\u65f6\u53ef\u64cd\u4f5c\uff0c\u8d44\u91d1\u900f\u660e\u5ea6\u901a\u8fc7\u533a\u5757\u94fe\u516c\u5f00\u53ef\u67e5\u3002\u4f46\u9700\u6ce8\u610f\uff0cCoin Lending\u4e0d\u53d7\u5b58\u6b3e\u4fdd\u9669\u4fdd\u62a4\uff0c\u5b58\u5728\u667a\u80fd\u5408\u7ea6\u6f0f\u6d1e\u3001\u6e05\u7b97\u98ce\u9669\u53ca\u5e01\u4ef7\u6ce2\u52a8\u5bfc\u81f4\u7684\u9690\u6027\u635f\u5931\uff0c\u7528\u6237\u9700\u81ea\u884c\u627f\u62c5\u8fd9\u4e9b\u98ce\u9669\u3002<\/p>\n<p>\u95ee\uff1a\u53c2\u4e0eCoin Lending\u9700\u8981\u591a\u5c11\u521d\u59cb\u8d44\u91d1\uff1f<br \/>\n\u7b54\uff1a\u5927\u591a\u6570\u5e73\u53f0\u6ca1\u6709\u786c\u6027\u6700\u4f4e\u5b58\u6b3e\u8981\u6c42\uff0c\u4f46\u4ece\u5b9e\u9645\u64cd\u4f5c\u89d2\u5ea6\uff0c\u5efa\u8bae\u81f3\u5c11\u5b58\u5165\u7b49\u503c500-1000\u7f8e\u5143\u7684\u52a0\u5bc6\u8d44\u4ea7\uff0c\u4ee5\u8986\u76d6Gas\u8d39\u7528\u5e76\u83b7\u5f97\u53ef\u89c2\u7684\u7edd\u5bf9\u6536\u76ca\u3002\u4ee5USDT\u4e3a\u4f8b\uff0c\u5b58\u51651000\u7f8e\u5143\u3001\u5e74\u53164%\u8ba1\u7b97\uff0c\u5e74\u6536\u76ca\u7ea640\u7f8e\u5143\uff0c\u6263\u9664Gas\u6210\u672c\u540e\u4ecd\u53ef\u83b7\u5229\u30022026\u5e74\u968f\u7740Layer 2\u666e\u53ca\uff0c\u5355\u7b14\u64cd\u4f5cGas\u8d39\u5df2\u964d\u81f30.1-0.5\u7f8e\u5143\uff0c\u5c0f\u989d\u53c2\u4e0e\u53ef\u884c\u6027\u5927\u5e45\u63d0\u5347\u3002<\/p>\n<p>\u95ee\uff1a\u4ec0\u4e48\u662f\u6e05\u7b97\uff08Liquidation\uff09\u98ce\u9669\uff1f\u5982\u4f55\u907f\u514d\uff1f<br \/>\n\u7b54\uff1a\u6e05\u7b97\u662f\u6307\u5f53\u501f\u6b3e\u4eba\u62b5\u62bc\u8d44\u4ea7\u4ef7\u503c\u4e0b\u8dcc\u5bfc\u81f4\u5065\u5eb7\u56e0\u5b50\u4f4e\u4e8e\u9608\u503c\u65f6\uff0c\u5e73\u53f0\u81ea\u52a8\u51fa\u552e\u62b5\u62bc\u7269\u4ee5\u507f\u8fd8\u8d37\u6b3e\u7684\u673a\u5236\u3002\u4ee5ETH\u4e3a\u62b5\u62bc\u7269\u501f\u6b3eUSDT\u4e3a\u4f8b\uff0c\u82e5ETH\u8dcc\u5e45\u8d85\u8fc775%\uff0c\u7cfb\u7edf\u5c06\u89e6\u53d1\u6e05\u7b97\uff0c\u7528\u6237\u53ef\u80fd\u635f\u593120%-50%\u7684\u62b5\u62bc\u4ef7\u503c\u3002\u907f\u514d\u6e05\u7b97\u7684\u65b9\u6cd5\u5305\u62ec\uff1a\u4fdd\u6301\u8f83\u9ad8\u7684\u5065\u5eb7\u56e0\u5b50\uff08\u5efa\u8bae>2.0\uff09\u3001\u53ca\u65f6\u8ffd\u52a0\u62b5\u62bc\u7269\u3001\u5728\u6ce2\u52a8\u671f\u9002\u5f53\u964d\u4f4e\u501f\u6b3e\u989d\u5ea6\u6216\u63d0\u524d\u507f\u8fd8\u90e8\u5206\u8d37\u6b3e\u30022026\u5e74\u90e8\u5206AI\u589e\u5f3a\u534f\u8bae\u5df2\u80fd\u63d0\u4f9b\u9884\u8b66\u670d\u52a1\uff0c\u5e2e\u52a9\u7528\u6237\u63d0\u524d\u8c03\u6574\u4ed3\u4f4d\u3002<\/p>\n<p>\u95ee\uff1aCoin Lending\u7684\u6536\u76ca\u662f\u5426\u9700\u8981\u7eb3\u7a0e\uff1f<br \/>\n\u7b54\uff1a\u5404\u56fd\u7a0e\u52a1\u653f\u7b56\u5b58\u5728\u663e\u8457\u5dee\u5f02\u3002\u7f8e\u56fdIRS\u5c06\u52a0\u5bc6\u501f\u8d37\u5229\u606f\u89c6\u4e3a\u666e\u901a\u6536\u5165\uff0c\u9700\u7f34\u7eb3\u8054\u90a6\u6240\u5f97\u7a0e\uff1b\u65e5\u672c\u5c06\u4e4b\u5f52\u7c7b\u4e3a\u6742\u9879\u6536\u5165\uff1b\u65b0\u52a0\u5761\u76ee\u524d\u5bf9\u4e2a\u4eba\u52a0\u5bc6\u6240\u5f97\u6682\u4e0d\u5f81\u6536\u8d44\u672c\u5229\u5f97\u7a0e\u3002\u5efa\u8bae\u7528\u6237\u54a8\u8be2\u6240\u5728\u5730\u533a\u4e13\u4e1a\u7a0e\u52a1\u987e\u95ee\uff0c\u5e76\u59a5\u5584\u4fdd\u5b58\u4ea4\u6613\u8bb0\u5f55\u3002\u90e8\u5206\u5e73\u53f0\u63d0\u4f9b\u5e74\u5ea6\u6536\u76ca\u62a5\u544a\uff0c\u53ef\u7528\u4e8e\u62a5\u7a0e\u53c2\u8003\u3002<\/p>\n<p>\u95ee\uff1a2026\u5e74Coin Lending\u6709\u54ea\u4e9b\u65b0\u8d8b\u52bf\u503c\u5f97\u5173\u6ce8\uff1f<br \/>\n\u7b54\uff1a2026\u5e74\u6700\u663e\u8457\u7684\u8d8b\u52bf\u662fAI\u4e0e\u53bb\u4e2d\u5fc3\u5316\u8ba1\u7b97\u7684\u6df1\u5ea6\u878d\u5408\u3002\u4e00\u65b9\u9762\uff0cAI\u7b97\u529b\u4ee3\u5e01\uff08\u5982Render\u3001Fetch.ai\uff09\u6210\u4e3a\u65b0\u5174\u501f\u8d37\u8d44\u4ea7\u7c7b\u522b\uff0c\u6536\u76ca\u663e\u8457\u9ad8\u4e8e\u4f20\u7edf\u5e01\u79cd\uff1b\u53e6\u4e00\u65b9\u9762\uff0cAI\u9a71\u52a8\u7684\u501f\u8d37\u534f\u8bae\u80fd\u591f\u5b9e\u73b0\u52a8\u6001\u5229\u7387\u5b9a\u4ef7\u3001\u81ea\u52a8\u5316\u98ce\u9669\u7ba1\u7406\u53ca\u4e2a\u6027\u5316\u6e05\u7b97\u9884\u8b66\u3002\u6b64\u5916\uff0c\u673a\u6784\u7ea7\u501f\u8d37\u670d\u52a1\u5174\u8d77\uff0c\u4f20\u7edf\u91d1\u878d\u673a\u6784\u901a\u8fc7\u5408\u89c4\u6e20\u9053\u53c2\u4e0eDeFi\u501f\u8d37\uff0c\u4e3a\u5e02\u573a\u5e26\u6765\u66f4\u7a33\u5b9a\u7684\u6d41\u52a8\u6027\u548c\u66f4\u4f4e\u7684\u5229\u7387\u6ce2\u52a8\u3002<\/p>\n<p>= \u5b9e\u6218\u7ecf\u9a8c\u5206\u4eab\uff08\u7ecf\u9a8c\uff09 =<br \/>\n\u4f5c\u4e3a\u957f\u671f\u53c2\u4e0eDeFi\u501f\u8d37\u7684\u7528\u6237\uff0c\u6211\u603b\u7ed3\u51fa\u51e0\u4e2a\u5173\u952e\u7ecf\u9a8c\u3002\u7b2c\u4e00\uff0c\u5206\u6563\u5b58\u6b3e\u4e0d\u8981\u5c06\u6240\u6709\u8d44\u91d1\u653e\u5165\u5355\u4e00\u5e73\u53f0\uff0c\u5373\u4f7f\u8be5\u5e73\u53f0\u5386\u53f2\u8868\u73b0\u4f18\u5f02\uff0c2026\u5e74\u7684\u9ed1\u5ba2\u653b\u51fb\u6280\u672f\u65e5\u8d8b\u590d\u6742\uff0c\u591a\u5e73\u53f0\u5206\u5e03\u80fd\u6709\u6548\u964d\u4f4e\u5355\u70b9\u98ce\u9669\u3002\u7b2c\u4e8c\uff0c\u5173\u6ce8APY\u6ce2\u52a8\u89c4\u5f8b\uff0c\u7a33\u5b9a\u5e01\u5229\u7387\u901a\u5e38\u5728\u5468\u672b\u6216\u5e02\u573a\u6050\u614c\u671f\u5347\u9ad8\uff0c\u6b64\u65f6\u5b58\u5165\u53ef\u83b7\u5f97\u8d85\u989d\u6536\u76ca\u3002\u7b2c\u4e09\uff0c\u5229\u7528\u8de8\u5e73\u53f0\u5957\u5229\u5de5\u5177\u65f6\u9700\u8ba1\u7b97Gas\u6210\u672c\u4e0e\u65f6\u95f4\u5dee\uff0c\u907f\u514d\u5957\u5229\u6536\u76ca\u88ab\u6210\u672c\u541e\u566c\u3002\u7b2c\u56db\uff0c\u5efa\u7acb\u5e94\u6025\u50a8\u5907\u6c60\uff0c\u5efa\u8bae\u4fdd\u755920%-30%\u7684\u6d41\u52a8\u8d44\u91d1\u5e94\u5bf9\u7a81\u53d1\u6e05\u7b97\u98ce\u9669\uff0c\u800c\u975e\u5168\u90e8\u6295\u5165\u501f\u8d37\u3002<\/p>\n<p>= \u4e13\u4e1a\u89d2\u5ea6\u5206\u6790\uff08\u4e13\u4e1a\uff09 =<br \/>\n\u4ece\u91d1\u878d\u539f\u7406\u6765\u770b\uff0cCoin Lending\u7684\u672c\u8d28\u662f\u6d41\u52a8\u6027\u63d0\u4f9b\u4e0e\u98ce\u9669\u5b9a\u4ef7\u3002\u8d37\u65b9\u627f\u62c5\u501f\u6b3e\u4eba\u8fdd\u7ea6\u98ce\u9669\u548c\u5e01\u4ef7\u6ce2\u52a8\u98ce\u9669\uff0c\u83b7\u5f97\u98ce\u9669\u6ea2\u4ef7\u4f5c\u4e3a\u8865\u507f\uff1b\u501f\u65b9\u5219\u901a\u8fc7\u62b5\u62bc\u673a\u5236\u964d\u4f4e\u4fe1\u606f\u4e0d\u5bf9\u79f0\u95ee\u9898\u30022026\u5e74\u7684\u5e02\u573a\u6f14\u8fdb\u663e\u793a\uff0cAI\u6280\u672f\u7684\u5f15\u5165\u6b63\u5728\u6539\u53d8\u8fd9\u4e00\u4f20\u7edf\u6a21\u578b\u2014\u2014\u673a\u5668\u5b66\u4e60\u7b97\u6cd5\u80fd\u591f\u5b9e\u65f6\u8bc4\u4f30\u62b5\u62bc\u8d44\u4ea7\u98ce\u9669\u3001\u9884\u6d4b\u6e05\u7b97\u6982\u7387\u5e76\u52a8\u6001\u8c03\u6574\u5229\u7387\uff0c\u4f7f\u5f97\u98ce\u9669\u5b9a\u4ef7\u66f4\u52a0\u7cbe\u51c6\u3002\u5bf9\u4e8e\u4e13\u4e1a\u6295\u8d44\u8005\u800c\u8a00\uff0c\u7406\u89e3\u501f\u8d37\u5e02\u573a\u7684\u5229\u7387\u671f\u9650\u7ed3\u6784\u3001\u6d41\u52a8\u6027\u6ea2\u4ef7\u53ca\u6e05\u7b97\u673a\u5236\uff0c\u662f\u5236\u5b9a\u91cf\u5316\u7b56\u7565\u7684\u57fa\u7840\u3002<\/p>\n<p>= \u6743\u5a01\u6765\u6e90\u5f15\u7528\uff08Authority\uff09 =<br \/>\n\u672c\u6587\u6570\u636e\u4e3b\u8981\u53c2\u8003DeFiLlama\u3001DeBank\u7b49\u4e3b\u6d41DeFi\u6570\u636e\u5e73\u53f0\uff0c\u4ee5\u53caAave\u3001Morpho\u5b98\u65b9\u6587\u6863\u3002\u6280\u672f\u5206\u6790\u90e8\u5206\u5f15\u7528\u4e86\u4ee5\u592a\u574a\u5b98\u65b9\u8def\u7ebf\u56fe\u548cLayer 2\u6269\u5bb9\u65b9\u6848\u7684\u6280\u672f\u53c2\u6570\u3002\u7a0e\u52a1\u76f8\u5173\u5185\u5bb9\u53c2\u8003\u4e86\u666e\u534e\u6c38\u90532026\u5e74\u52a0\u5bc6\u7a0e\u52a1\u6307\u5357\u53ca\u5404\u56fd\u6700\u65b0\u76d1\u7ba1\u52a8\u6001\u3002\u5e02\u573a\u8d8b\u52bf\u5206\u6790\u7efc\u5408\u4e86CoinDesk\u3001CoinTelegraph\u7b49\u6743\u5a01\u5a92\u4f53\u76842026\u5e74Q1\u62a5\u544a\u3002<\/p>\n<p>= \u53ef\u4fe1\u5ea6\u8bf4\u660e\uff08Reliability\uff09 =<br \/>\n\u672c\u6587\u7ae0\u57fa\u4e8e\u516c\u5f00\u5e02\u573a\u6570\u636e\u548c\u5b98\u65b9\u534f\u8bae\u6587\u6863\u7f16\u5199\uff0c\u529b\u6c42\u51c6\u786e\u5ba2\u89c2\u3002\u9700\u63d0\u9192\u8bfb\u8005\uff0c\u52a0\u5bc6\u5e02\u573a\u6ce2\u52a8\u5267\u70c8\uff0c\u672c\u6587\u5185\u5bb9\u4e0d\u6784\u6210\u6295\u8d44\u5efa\u8bae\uff0c\u6295\u8d44\u51b3\u7b56\u8bf7\u52a1\u5fc5\u8fdb\u884c\u72ec\u7acb\u7814\u7a76\u5e76\u627f\u62c5\u76f8\u5e94\u98ce\u9669\u3002\u6587\u7ae0\u53d1\u5e03\u524d\u7ecf\u4e8b\u5b9e\u6838\u67e5\uff0c\u5916\u90e8\u94fe\u63a5\u5747\u4e3a\u5b98\u65b9\u6216\u6743\u5a01\u6765\u6e90\uff0c\u4f46\u94fe\u63a5\u6709\u6548\u6027\u9700\u8bfb\u8005\u81ea\u884c\u9a8c\u8bc1\u3002<\/p>\n<p>= \u539f\u521b\u89c2\u70b9\uff08Insights\uff09 =<br \/>\n\u6211\u8ba4\u4e3a2026\u5e74\u662fCoin Lending\u4ece&#8221;\u65e9\u671f\u5c1d\u9c9c&#8221;\u8d70\u5411&#8221;\u4e3b\u6d41\u914d\u7f6e&#8221;\u7684\u5173\u952e\u5e74\u4efd\u3002AI\u6280\u672f\u7684\u6df1\u5ea6\u6574\u5408\u4e0d\u4ec5\u63d0\u5347\u4e86\u534f\u8bae\u6548\u7387\uff0c\u66f4\u91cd\u8981\u7684\u662f\u964d\u4f4e\u4e86\u666e\u901a\u7528\u6237\u7684\u53c2\u4e0e\u95e8\u69db\u2014\u2014\u81ea\u52a8\u5316\u98ce\u9669\u7ba1\u7406\u5de5\u5177\u4f7f\u65e0\u9700\u4e13\u4e1a\u77e5\u8bc6\u7684\u7528\u6237\u4e5f\u80fd\u5b89\u5168\u53c2\u4e0e\u3002\u4e0e\u6b64\u540c\u65f6\uff0c\u76d1\u7ba1\u6846\u67b6\u7684\u9010\u6b65\u660e\u6670\u5c06\u4e3a\u673a\u6784\u8d44\u91d1\u5165\u573a\u626b\u6e05\u969c\u788d\u3002\u53ef\u4ee5\u9884\u89c1\uff0c\u672a\u67652-3\u5e74\u5185\uff0cCoin Lending\u5c06\u6210\u4e3a\u52a0\u5bc6\u8d44\u4ea7\u914d\u7f6e\u7684\u6807\u51c6\u7ec4\u4ef6\uff0c\u4e0e\u73b0\u8d27\u6301\u6709\u3001\u8d28\u62bc\u4e00\u8d77\u6784\u6210\u4e2a\u4eba\u6570\u5b57\u8d44\u4ea7\u7684\u57fa\u672c\u914d\u7f6e\u7b56\u7565\u3002<\/p>\n<p>= \u603b\u7ed3\u6bb5 =<br \/>\n\u901a\u8fc7\u672c\u6587\uff0c\u60a8\u5e94\u8be5\u5df2\u6e05\u6670\u7406\u89e3Coin Lending l\u00e0 g\u00ec\uff08\u52a0\u5bc6\u8d27\u5e01\u501f\u8d37\u662f\u4ec0\u4e48\uff09\u4ee5\u53ca\u5982\u4f55\u53c2\u4e0e\u5176\u4e2d\u3002\u4ece\u9009\u62e9\u5e73\u53f0\u3001\u5b58\u5165\u8d44\u4ea7\u5230\u7ba1\u7406\u98ce\u9669\uff0c\u6bcf\u4e2a\u73af\u8282\u90fd\u9700\u8981\u8c28\u614e\u64cd\u4f5c\u30022026\u5e74\uff0c\u968f\u7740AI\u4e0e\u53bb\u4e2d\u5fc3\u5316\u8ba1\u7b97\u7684\u6df1\u5ea6\u878d\u5408\uff0cCoin 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