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target=\"_blank\">DeFi<\/a>\uff09\u751f\u6001\u89c4\u6a21\u7a81\u7834\u5343\u4ebf\u7f8e\u5143\uff0c\u52a0\u5bc6\u4fdd\u9669\u5df2\u6210\u4e3a\u673a\u6784\u4e0e\u4e2a\u4eba\u6295\u8d44\u8005\u4e0d\u53ef\u6216\u7f3a\u7684\u98ce\u9669\u7ba1\u7406\u5de5\u5177\u30022026\u5e74\uff0c\u968f\u7740AI\u9a71\u52a8\u7684\u667a\u80fd\u5408\u7ea6\u5ba1\u8ba1\u6280\u672f\u6210\u719f\uff0c\u4fdd\u9669\u7406\u8d54\u6548\u7387\u63d0\u5347\u81f3\u5e73\u574748\u5c0f\u65f6\u5185\u5b8c\u6210\uff0c\u8f83\u4f20\u7edf\u4fdd\u9669\u6d41\u7a0b\u63d0\u901f80%\u4ee5\u4e0a\u3002<\/p>\n<p>= \u52a0\u5bc6\u4fdd\u9669\u7684\u6838\u5fc3\u8981\u70b9 =<br \/>\n&#8211; \u8986\u76d6\u8303\u56f4\uff1a\u667a\u80fd\u5408\u7ea6\u6f0f\u6d1e\u3001<a href=\"https:\/\/kj17.com\/zh_cn\/2026\/05\/09\/portal%e6%98%af%e4%bb%80%e4%b9%88%ef%bc%9f2026%e5%b9%b4%e6%9c%80%e5%85%a8%e5%8a%a0%e5%af%86%e8%b4%a7%e5%b8%81%e8%b7%a8%e9%93%be%e9%97%a8%e6%88%b7%e6%8c%87%e5%8d%97%e3%80%90%e7%bb%88%e6%9e%81%e7%af%87\/\" target=\"_blank\">\u8de8\u94fe<\/a>\u6865\u653b\u51fb\u3001\u4e2d\u5fc3\u5316\u4ea4\u6613\u6240\u5b89\u5168\u4e8b\u4ef6<br \/>\n&#8211; \u627f\u4fdd\u6a21\u5f0f\uff1a\u5206\u4e3a\u534f\u8bae\u7ea7\u4fdd\u9669\uff08Protocol-level\uff09\u548c\u4e2a\u4eba\u4fdd\u9669\uff08Personal Coverage\uff09<br \/>\n&#8211; \u7406\u8d54\u673a\u5236\uff1a\u57fa\u4e8e\u94fe\u4e0a\u4e8b\u4ef6\u89e6\u53d1\u7684\u81ea\u52a8\u8d54\u4ed8\uff0c\u91c7\u7528\u9884\u8a00\u673a\uff08Oracle\uff09\u9a8c\u8bc1<br \/>\n&#8211; \u5b9a\u4ef7\u56e0\u7d20\uff1a\u57fa\u4e8e\u534f\u8bae\u5386\u53f2\u8d54\u4ed8\u7387\u3001TVL\u89c4\u6a21\u3001\u4ee3\u7801\u5ba1\u8ba1\u8bc4\u5206\u52a8\u6001\u8c03\u6574<br \/>\n&#8211; \u4e3b\u6d41\u5e73\u53f0\uff1aNexus Mutual\u3001Cover Protocol\u3001InsurAce Protocol\u7b49<\/p>\n<p>= \u5982\u4f55\u9009\u62e9\u52a0\u5bc6\u4fdd\u9669\u4ea7\u54c1 =<br \/>\n\u7b2c\u4e00\u6b65\uff1a\u8bc4\u4f30\u6301\u4ed3\u98ce\u9669\u655e\u53e3\u3002\u5217\u51fa\u6301\u6709\u7684\u8d44\u4ea7\u7c7b\u578b\u3001\u6240\u5728\u534f\u8bae\u3001\u91d1\u989d\uff0c\u660e\u786e\u4e3b\u8981\u98ce\u9669\u6765\u6e90\u3002<\/p>\n<p>\u7b2c\u4e8c\u6b65\uff1a\u7814\u7a76\u4fdd\u9669\u534f\u8bae\u80cc\u666f\u3002\u5ba1\u67e5\u5176\u5ba1\u8ba1\u62a5\u544a\u3001\u8d54\u4ed8\u5386\u53f2\u3001\u8d44\u91d1\u6c60\u89c4\u6a21\uff0c\u4f18\u5148\u9009\u62e9\u8fd0\u884c\u8d85\u8fc72\u5e74\u4e14\u65e0\u91cd\u5927\u8d54\u4ed8\u8fdd\u7ea6\u7684\u534f\u8bae\u3002<\/p>\n<p>\u7b2c\u4e09\u6b65\uff1a\u6bd4\u8f83\u4fdd\u8d39\u4e0e\u8986\u76d6\u7387\u3002\u8ba1\u7b97\u4e0d\u540c\u534f\u8bae\u7684\u5e74\u5ea6\u4fdd\u8d39\u5360\u4fdd\u989d\u6bd4\u4f8b\uff0c\u6ce8\u610f\u514d\u8d54\u989d\uff08Deductible\uff09\u8bbe\u7f6e\u4e0e\u6700\u9ad8\u8d54\u4ed8\u4e0a\u9650\u3002<\/p>\n<p>\u7b2c\u56db\u6b65\uff1a\u7406\u89e3\u7406\u8d54\u6d41\u7a0b\u3002\u786e\u8ba4\u89e6\u53d1\u6761\u4ef6\u3001\u6240\u9700\u8bc1\u636e\u3001\u9884\u671f\u8d54\u4ed8\u65f6\u95f4\uff0c\u4f18\u5148\u9009\u62e9\u7406\u8d54\u6d41\u7a0b\u900f\u660e\u7684\u534f\u8bae\u3002<\/p>\n<p>\u7b2c\u4e94\u6b65\uff1a\u8fdb\u884c\u6295\u4fdd\u64cd\u4f5c\u3002\u8fde\u63a5\u94b1\u5305\uff0c\u9009\u62e9\u4fdd\u969c\u671f\u9650\u4e0e\u989d\u5ea6\uff0c\u786e\u8ba4\u6761\u6b3e\u540e\u8d28\u62bc\u5bf9\u5e94\u4ee3\u5e01\u5b8c\u6210\u6295\u4fdd\u3002<\/p>\n<p>= \u4e2d\u5fc3\u5316 vs \u53bb\u4e2d\u5fc3\u5316\u4fdd\u9669\u5bf9\u6bd4 =<br \/>\n\u4e2d\u5fc3\u5316\u4fdd\u9669\u7531\u4f20\u7edf\u4fdd\u9669\u516c\u53f8\u63d0\u4f9b\u80cc\u4e66\uff0c\u4fe1\u7528\u98ce\u9669\u4f4e\u4f46\u8986\u76d6\u8303\u56f4\u6709\u9650\uff0c\u901a\u5e38\u4ec5\u9488\u5bf9\u6258\u7ba1\u8d44\u4ea7\uff1b\u7406\u8d54\u4f9d\u8d56\u4eba\u5de5\u5ba1\u6838\uff0c\u5468\u671f\u957f\u8fbe\u6570\u5468\u3002\u53bb\u4e2d\u5fc3\u5316\u4fdd\u9669\u57fa\u4e8e\u667a\u80fd\u5408\u7ea6\u8fd0\u884c\uff0c\u8986\u76d6DeFi\u534f\u8bae\u3001\u667a\u80fd\u5408\u7ea6\u6f0f\u6d1e\u7b49\u65b0\u5174\u98ce\u9669\uff1b\u7406\u8d54\u901a\u8fc7\u9884\u8a00\u673a\u5b9e\u73b0\u81ea\u52a8\u5316\uff0c\u6548\u7387\u9ad8\u4f46\u5b58\u5728\u667a\u80fd\u5408\u7ea6\u672c\u8eab\u7684\u6280\u672f\u98ce\u9669\u30022026\u5e74\u8d8b\u52bf\u663e\u793a\uff0c\u6df7\u5408\u578b\u4fdd\u9669\u6a21\u5f0f\u5174\u8d77\uff0c\u7ed3\u5408\u4e2d\u5fc3\u5316\u673a\u6784\u7684\u4fe1\u7528\u80cc\u4e66\u4e0e\u53bb\u4e2d\u5fc3\u5316\u7684\u9ad8\u6548\u7406\u8d54\u4f18\u52bf\u3002<\/p>\n<p>= \u52a0\u5bc6\u4fdd\u9669\u5e02\u573a\u6570\u636e =<br \/>\n\u622a\u81f32026\u5e74Q1\uff0c\u52a0\u5bc6\u4fdd\u9669\u5e02\u573a\u89c4\u6a21\u7a81\u783445\u4ebf\u7f8e\u5143\uff0c\u5e74\u589e\u957f\u7387\u8fbe120%\u3002\u667a\u80fd\u5408\u7ea6\u4fdd\u9669\u5360\u5e02\u573a\u603b\u4efd\u989d\u768467%\uff0c\u5176\u4e2d\u4ee5\u592a\u574a\u751f\u6001\u5360\u636e42%\u5e02\u573a\u4efd\u989d\u3002\u5e73\u5747\u4fdd\u8d39\u7387\u4e3a\u4fdd\u989d\u76841.5%-3.5%\uff0c\u9488\u5bf9\u9ad8\u98ce\u9669\u534f\u8bae\u7684\u8d39\u7387\u53ef\u8fbe5%\u4ee5\u4e0a\u3002\u5934\u90e8\u4fdd\u9669\u534f\u8bae\u7684\u8d44\u91d1\u6c60\u89c4\u6a21\u666e\u904d\u8d85\u8fc75000\u4e07\u7f8e\u5143\uff0c\u8d54\u4ed8\u80fd\u529b\u5145\u8db3\u7387\u7ef4\u6301\u5728180%\u4ee5\u4e0a\u3002AI\u8f85\u52a9\u98ce\u9669\u8bc4\u4f30\u6280\u672f\u7684\u5e94\u7528\u4f7f\u4fdd\u9669\u8d39\u7387\u8ba1\u7b97\u7cbe\u5ea6\u63d0\u534735%\uff0c\u9a97\u4fdd\u4e8b\u4ef6\u4e0b\u964d\u81f30.3%\u4ee5\u4e0b\u3002<\/p>\n<p>= FAQ =<br \/>\n\u95ee\uff1a\u52a0\u5bc6\u4fdd\u9669\u4e3b\u8981\u8986\u76d6\u54ea\u4e9b\u98ce\u9669\u573a\u666f\uff1f<br \/>\n\u7b54\uff1a\u52a0\u5bc6\u4fdd\u9669\u8986\u76d6\u7684\u6838\u5fc3\u98ce\u9669\u5305\u62ec\u667a\u80fd\u5408\u7ea6\u6f0f\u6d1e\u5bfc\u81f4\u7684\u8d44\u91d1\u635f\u5931\uff08\u7ea6\u5360\u8d54\u4ed8\u6848\u4f8b\u768445%\uff09\u3001\u8de8\u94fe\u6865\u5b89\u5168\u4e8b\u4ef6\uff08\u5360\u6bd430%\uff09\u3001\u4e2d\u5fc3\u5316\u4ea4\u6613\u6240\u88ab\u76d7\uff08\u5360\u6bd415%\uff09\u3001\u94b1\u5305\u79c1\u94a5\u6cc4\u9732\uff08\u5360\u6bd47%\uff09\u4ee5\u53ca\u7a33\u5b9a\u5e01\u8131\u951a\u98ce\u9669\uff08\u5360\u6bd43%\uff09\u3002\u4e0d\u540c\u534f\u8bae\u6839\u636e\u81ea\u8eab\u98ce\u9669\u6a21\u578b\u63d0\u4f9b\u5dee\u5f02\u5316\u8986\u76d6\uff0c\u6295\u8d44\u8005\u9700\u4ed4\u7ec6\u9605\u8bfb\u6bcf\u6b3e\u4ea7\u54c1\u7684\u6761\u6b3e\u660e\u7ec6\uff0c\u4e86\u89e3\u5177\u4f53\u514d\u8d23\u6761\u6b3e\u4e0e\u8d54\u4ed8\u6761\u4ef6\u3002<\/p>\n<p>\u95ee\uff1a\u5982\u4f55\u5224\u65ad\u4fdd\u9669\u534f\u8bae\u7684\u53ef\u9760\u6027\uff1f<br \/>\n\u7b54\uff1a\u8bc4\u4f30\u4fdd\u9669\u534f\u8bae\u53ef\u9760\u6027\u9700\u5173\u6ce8\u4e94\u4e2a\u6838\u5fc3\u6307\u6807\uff1a\u5ba1\u8ba1\u62a5\u544a\uff08\u81f3\u5c11\u7ecf\u8fc72\u5bb6\u77e5\u540d\u5ba1\u8ba1\u673a\u6784\u5982Trail of Bits\u3001OpenZeppelin\u5ba1\u6838\uff09\u3001\u8d54\u4ed8\u5386\u53f2\uff08\u67e5\u770b\u5386\u53f2\u8d54\u4ed8\u6848\u4f8b\u4e0e\u5e73\u5747\u7406\u8d54\u5468\u671f\uff09\u3001\u8d44\u91d1\u6c60\u89c4\u6a21\uff08TVL\u4e0e\u53ef\u7528\u8d44\u91d1\u6bd4\u7387\uff09\u3001\u56e2\u961f\u80cc\u666f\uff08\u6838\u5fc3\u6210\u5458\u5728\u4fdd\u9669\u4e0e\u533a\u5757\u94fe\u9886\u57df\u7684\u4ece\u4e1a\u7ecf\u9a8c\uff09\u4ee5\u53ca\u793e\u533a\u6cbb\u7406\uff08\u4ee3\u5e01\u6301\u6709\u8005\u7684\u51b3\u7b56\u53c2\u4e0e\u5ea6\uff09\u3002\u5efa\u8bae\u4f18\u5148\u9009\u62e9\u8fd0\u884c3\u5e74\u4ee5\u4e0a\u4e14\u7ecf\u5386\u8fc7\u91cd\u5927\u5e02\u573a\u6ce2\u52a8\u8003\u9a8c\u7684\u534f\u8bae\u3002<\/p>\n<p>\u95ee\uff1a\u52a0\u5bc6\u4fdd\u9669\u7684\u4fdd\u8d39\u662f\u5982\u4f55\u8ba1\u7b97\u7684\uff1f<br \/>\n\u7b54\uff1a\u4fdd\u8d39\u8ba1\u7b97\u57fa\u4e8e\u591a\u7ef4\u98ce\u9669\u8bc4\u4f30\u6a21\u578b\uff0c\u4e3b\u8981\u56e0\u7d20\u5305\u62ec\uff1a\u534f\u8bae\u4ee3\u7801\u590d\u6742\u5ea6\u4e0e\u5ba1\u8ba1\u8bc4\u5206\uff08\u6743\u91cd30%\uff09\u3001\u5386\u53f2\u6f0f\u6d1e\u4e0e\u8d54\u4ed8\u8bb0\u5f55\uff08\u6743\u91cd25%\uff09\u3001TVL\u89c4\u6a21\u4e0e\u589e\u957f\u8d8b\u52bf\uff08\u6743\u91cd20%\uff09\u3001\u5e02\u573a\u6ce2\u52a8\u6027\u6307\u6807\uff08\u6743\u91cd15%\uff09\u4ee5\u53ca\u4fdd\u969c\u671f\u9650\u4e0e\u989d\u5ea6\uff08\u6743\u91cd10%\uff09\u30022026\u5e74AI\u6a21\u578b\u7684\u5f15\u5165\u4f7f\u98ce\u9669\u8bc4\u4f30\u66f4\u52a0\u7cbe\u51c6\uff0c\u9ad8\u5b89\u5168\u6027\u534f\u8bae\u7684\u4fdd\u8d39\u53ef\u4f4e\u81f30.8%\uff0c\u800c\u65b0\u5174\u9ad8\u98ce\u9669\u534f\u8bae\u7684\u4fdd\u8d39\u53ef\u80fd\u8fbe\u52308%\u4ee5\u4e0a\u3002\u4fdd\u8d39\u901a\u5e38\u4ee5\u88ab\u4fdd\u8d44\u4ea7\u540c\u79cd\u4ee3\u5e01\u652f\u4ed8\u3002<\/p>\n<p>\u95ee\uff1a\u7406\u8d54\u8fc7\u7a0b\u4e2d\u9700\u8981\u63d0\u4f9b\u54ea\u4e9b\u8bc1\u660e\u6750\u6599\uff1f<br \/>\n\u7b54\uff1a\u7406\u8d54\u9700\u8981\u63d0\u4f9b\u94fe\u4e0a\u4e8b\u4ef6\u8bc1\u660e\uff08\u4ea4\u6613\u54c8\u5e0c\u3001\u533a\u5757\u9ad8\u5ea6\uff09\u3001\u534f\u8bae\u6f0f\u6d1e\u6216\u653b\u51fb\u4e8b\u4ef6\u7684\u5b98\u65b9\u786e\u8ba4\u62a5\u544a\u3001\u8d44\u4ea7\u635f\u5931\u7684\u94fe\u4e0a\u8ffd\u8e2a\u8bb0\u5f55\u3001\u94b1\u5305\u6240\u6709\u6743\u8bc1\u660e\u4ee5\u53ca\u8eab\u4efd\u9a8c\u8bc1\u6587\u4ef6\u3002\u81ea\u52a8\u5316\u7406\u8d54\u534f\u8bae\u901a\u8fc7\u9884\u8a00\u673a\u76f4\u63a5\u8bfb\u53d6\u94fe\u4e0a\u6570\u636e\uff0c\u53ef\u5b9e\u73b0\u65e0\u4eba\u5de5\u5e72\u9884\u8d54\u4ed8\uff1b\u534a\u81ea\u52a8\u5316\u534f\u8bae\u9700\u8981\u793e\u533a\u6295\u7968\u6216\u6cbb\u7406\u4ee3\u5e01\u6301\u6709\u8005\u5ba1\u6279\u3002\u7406\u8d54\u5468\u671f\u4ece\u6570\u5c0f\u65f6\u5230\u6570\u5468\u4e0d\u7b49\uff0c\u53d6\u51b3\u4e8e\u534f\u8bae\u7684\u8bbe\u8ba1\u590d\u6742\u5ea6\u4e0e\u4e8b\u4ef6\u4e89\u8bae\u6027\u3002<\/p>\n<p>\u95ee\uff1a\u6563\u6237\u6295\u8d44\u8005\u662f\u5426\u503c\u5f97\u8d2d\u4e70\u52a0\u5bc6\u4fdd\u9669\uff1f<br \/>\n\u7b54\uff1a\u5bf9\u4e8e\u6301\u4ed3\u8d85\u8fc75000\u7f8e\u5143\u4e14\u6301\u6709\u65f6\u95f4\u8d85\u8fc76\u4e2a\u6708\u7684\u6295\u8d44\u8005\uff0c\u52a0\u5bc6\u4fdd\u9669\u5177\u6709\u663e\u8457\u7684\u98ce\u9669\u7ba1\u7406\u4ef7\u503c\u3002\u8003\u8651\u52302026\u5e74AI\u4e0e\u53bb\u4e2d\u5fc3\u5316\u8ba1\u7b97\u9886\u57df\u7684\u5feb\u901f\u53d1\u5c55\uff0c\u667a\u80fd\u5408\u7ea6\u4ea4\u4e92\u9891\u7387\u589e\u52a0\uff0c\u5b89\u5168\u98ce\u9669\u540c\u6b65\u4e0a\u5347\u3002\u4fdd\u9669\u6210\u672c\u7ea6\u5360\u6301\u4ed3\u76841.5%-3%\uff0c\u4f46\u53ef\u6709\u6548\u89c4\u907f\u6781\u7aef\u884c\u60c5\u4e0b\u7684\u989d\u5916\u635f\u5931\u3002\u5efa\u8bae\u5206\u6563\u914d\u7f6e\u4e0d\u540c\u534f\u8bae\u7684\u4fdd\u9669\u4ea7\u54c1\uff0c\u907f\u514d\u5355\u4e00\u534f\u8bae\u98ce\u9669\u96c6\u4e2d\u3002<\/p>\n<p>= \u5b9e\u6218\u7ecf\u9a8c\u5206\u4eab =<br 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\/>\n\u4ece\u4e13\u4e1a\u89c6\u89d2\u770b\uff0c\u52a0\u5bc6\u4fdd\u9669\u6b63\u5904\u4e8e\u4ece&#8221;\u4e8b\u540e\u8d54\u4ed8&#8221;\u5411&#8221;\u4e8b\u524d\u9884\u9632&#8221;\u8f6c\u578b\u7684\u5173\u952e\u9636\u6bb5\u30022026\u5e74AI\u6280\u672f\u7684\u6df1\u5ea6\u4ecb\u5165\u4f7f\u5f97\u4fdd\u9669\u534f\u8bae\u80fd\u591f\u63d0\u4f9b\u5b9e\u65f6\u98ce\u9669\u76d1\u6d4b\u670d\u52a1\uff0c\u5f53\u88ab\u4fdd\u534f\u8bae\u51fa\u73b0\u5f02\u5e38\u6307\u6807\uff08\u5982TVL\u5927\u5e45\u6d41\u51fa\u3001Gas\u8d39\u5f02\u5e38\u98d9\u5347\uff09\u65f6\uff0c\u7cfb\u7edf\u4f1a\u81ea\u52a8\u89e6\u53d1\u9884\u8b66\u5e76\u5efa\u8bae\u589e\u6301\u4fdd\u9669\u3002\u957f\u671f\u6765\u770b\uff0c\u4fdd\u9669\u534f\u8bae\u5c06\u6f14\u53d8\u4e3a\u98ce\u9669\u7ba1\u7406\u5e73\u53f0\uff0c\u6574\u5408\u5ba1\u8ba1\u3001\u76d1\u63a7\u3001\u8d54\u4ed8\u7b49\u5168\u94fe\u6761\u670d\u52a1\uff0c\u6210\u4e3aDeFi\u57fa\u7840\u8bbe\u65bd\u7684\u91cd\u8981\u7ec4\u6210\u90e8\u5206\u3002<\/p>\n<p>= 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