{"id":6137,"date":"2021-05-29T09:31:38","date_gmt":"2021-05-29T02:31:38","guid":{"rendered":"https:\/\/news.bitcoinvn.io\/?p=6137"},"modified":"2021-05-29T09:31:38","modified_gmt":"2021-05-29T02:31:38","slug":"tai-chinh-phi-tap-trung-la-gi","status":"publish","type":"post","link":"https:\/\/bitcoinvn.io\/news\/vi\/tai-chinh-phi-tap-trung-la-gi\/","title":{"rendered":"T\u00e0i ch\u00ednh phi t\u1eadp trung l\u00e0 g\u00ec? T\u00ecm hi\u1ec3u v\u1ec1 DeFi to\u00e0n t\u1eadp 2021"},"content":{"rendered":"

\u1ede d\u1ea1ng \u0111\u01a1n gi\u1ea3n nh\u1ea5t, t\u00e0i ch\u00ednh phi t\u1eadp trung l\u00e0 m\u1ed9t h\u1ec7 th\u1ed1ng m\u00e0 c\u00e1c s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh c\u00f3 s\u1eb5n tr\u00ean m\u1ed9t m\u1ea1ng l\u01b0\u1edbi blockchain phi t\u1eadp trung c\u00f4ng khai, khi\u1ebfn ch\u00fang \u0111\u01b0\u1ee3c m\u1edf cho b\u1ea5t k\u1ef3 ai s\u1eed d\u1ee5ng, thay v\u00ec th\u00f4ng qua ng\u01b0\u1eddi trung gian nh\u01b0 ng\u00e2n h\u00e0ng hay c\u00e1c\u00a0 c\u00f4ng ty m\u00f4i gi\u1edbi. Kh\u00f4ng gi\u1ed1ng nh\u01b0 t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng ho\u1eb7c t\u00e0i kho\u1ea3n m\u00f4i gi\u1edbi, ID do ch\u00ednh ph\u1ee7 c\u1ea5p, s\u1ed1 An sinh x\u00e3 h\u1ed9i ho\u1eb7c b\u1eb1ng ch\u1ee9ng \u0111\u1ecba ch\u1ec9 l\u00e0 kh\u00f4ng c\u1ea7n thi\u1ebft \u0111\u1ec3 s\u1eed d\u1ee5ng DeFi. C\u1ee5 th\u1ec3 h\u01a1n, DeFi \u0111\u1ec1 c\u1eadp \u0111\u1ebfn m\u1ed9t h\u1ec7 th\u1ed1ng m\u00e0 ph\u1ea7n m\u1ec1m \u0111\u01b0\u1ee3c vi\u1ebft tr\u00ean blockchain gi\u00fap ng\u01b0\u1eddi mua, ng\u01b0\u1eddi b\u00e1n, ng\u01b0\u1eddi cho vay v\u00e0 ng\u01b0\u1eddi vay c\u00f3 th\u1ec3 t\u01b0\u01a1ng t\u00e1c ngang h\u00e0ng ho\u1eb7c v\u1edbi ng\u01b0\u1eddi trung gian d\u1ef1a tr\u00ean ph\u1ea7n m\u1ec1m nghi\u00eam ng\u1eb7t ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t c\u00f4ng ty ho\u1eb7c t\u1ed5 ch\u1ee9c h\u1ed7 tr\u1ee3 giao d\u1ecbch.<\/span><\/p>\n

C\u00f3 nhi\u1ec1u c\u00f4ng ngh\u1ec7 v\u00e0 giao th\u1ee9c \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau phi t\u1eadp trung. V\u00ed d\u1ee5: m\u1ed9t h\u1ec7 th\u1ed1ng phi t\u1eadp trung c\u00f3 th\u1ec3 bao g\u1ed3m s\u1ef1 k\u1ebft h\u1ee3p c\u1ee7a c\u00e1c c\u00f4ng ngh\u1ec7 m\u00e3 ngu\u1ed3n m\u1edf, blockchain v\u00e0 ph\u1ea7n m\u1ec1m \u0111\u1ed9c quy\u1ec1n. C\u00e1c h\u1ee3p \u0111\u1ed3ng th\u00f4ng minh t\u1ef1 \u0111\u1ed9ng h\u00f3a c\u00e1c \u0111i\u1ec1u kho\u1ea3n th\u1ecfa thu\u1eadn gi\u1eefa ng\u01b0\u1eddi mua v\u00e0 ng\u01b0\u1eddi b\u00e1n ho\u1eb7c ng\u01b0\u1eddi cho vay v\u00e0 ng\u01b0\u1eddi \u0111i vay gi\u00fap c\u00e1c s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh n\u00e0y tr\u1edf n\u00ean kh\u1ea3 thi. B\u1ea5t k\u1ec3 c\u00f4ng ngh\u1ec7 ho\u1eb7c n\u1ec1n t\u1ea3ng n\u00e0o \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng ch\u0103ng n\u1eefa th\u00ec h\u1ec7 th\u1ed1ng DeFi \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf ra l\u00e0 \u0111\u1ec3 lo\u1ea1i b\u1ecf trung gian gi\u1eefa c\u00e1c b\u00ean giao d\u1ecbch.<\/span><\/p>\n

M\u1eb7c d\u00f9 kh\u1ed1i l\u01b0\u1ee3ng giao d\u1ecbch Token v\u00e0 ti\u1ec1n b\u1ecb r\u00e0ng bu\u1ed9c trong c\u00e1c h\u1ee3p \u0111\u1ed3ng th\u00f4ng minh \u0111ang ph\u00e1t tri\u1ec3n \u1ed5n \u0111\u1ecbnh trong h\u1ec7 sinh th\u00e1i c\u1ee7a n\u00f3, DeFi l\u00e0 m\u1ed9t ng\u00e0nh c\u00f4ng nghi\u1ec7p m\u1edbi b\u1eaft \u0111\u1ea7u c\u00f3 c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng v\u1eabn \u0111ang \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng. Nh\u1eefng quy \u0111\u1ecbnh v\u00e0 bi\u1ec7n ph\u00e1p gi\u00e1m s\u00e1t DeFi l\u00e0 r\u1ea5t \u00edt ho\u1eb7c h\u1ea7u nh\u01b0 kh\u00f4ng c\u00f3. Tuy nhi\u00ean, trong t\u01b0\u01a1ng lai, DeFi d\u1ef1 ki\u1ebfn \u200b\u200bs\u1ebd ti\u1ebfp qu\u1ea3n v\u00e0 thay th\u1ebf cho ng\u00e0nh t\u00e0i ch\u00ednh hi\u1ec7n \u0111\u1ea1i.<\/span><\/p>\n

T\u00e0i ch\u00ednh phi t\u1eadp trung (Decentralized Finance) l\u00e0 g\u00ec?<\/b><\/h2>\n

T\u00e0i ch\u00ednh phi t\u1eadp trung, ho\u1eb7c DeFi, nh\u1eb1m m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 \u0111\u1ec3 lo\u1ea1i b\u1ecf c\u00e1c trung gian gi\u1eefa c\u00e1c b\u00ean trong m\u1ed9t giao d\u1ecbch t\u00e0i ch\u00ednh.<\/span><\/p>\n

C\u00e1c th\u00e0nh ph\u1ea7n c\u1ee7a DeFi l\u00e0 c\u00e1c stablecoin<\/a>, c\u00e1c \u1ee9ng d\u1ee5ng v\u00e0 nh\u1eefng ph\u1ea7n m\u1ec1m cho ph\u00e9p ph\u00e1t tri\u1ec3n c\u00e1c \u1ee9ng d\u1ee5ng.<\/span><\/p>\n

C\u01a1 s\u1edf h\u1ea1 t\u1ea7ng v\u00e0 c\u00e1c \u1ee9ng d\u1ee5ng cho DeFi v\u1eabn \u0111ang \u0111\u01b0\u1ee3c ph\u00e1t tri\u1ec3n.<\/span><\/p>\n

DeFi l\u00e0 g\u00ec?<\/b><\/h2>\n

Vi\u1ec7c s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 trong c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh kh\u00f4ng ph\u1ea3i l\u00e0 m\u1edbi. H\u1ea7u h\u1ebft c\u00e1c giao d\u1ecbch t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng ho\u1eb7c c\u00e1c c\u00f4ng ty d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh kh\u00e1c \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n v\u1edbi s\u1ef1 tr\u1ee3 gi\u00fap c\u1ee7a c\u00f4ng ngh\u1ec7 ng\u00e0y nay. Tuy nhi\u00ean, vai tr\u00f2 c\u1ee7a c\u00f4ng ngh\u1ec7 b\u1ecb h\u1ea1n ch\u1ebf trong vi\u1ec7c h\u1ed7 tr\u1ee3 c\u00e1c giao d\u1ecbch nh\u01b0 v\u1eady. C\u00e1c c\u00f4ng ty v\u1eabn ph\u1ea3i c\u1ea1nh tranh v\u1edbi vi\u1ec7c \u0111i\u1ec1u h\u01b0\u1edbng lu\u1eadt ph\u00e1p c\u1ee7a c\u00e1c khu v\u1ef1c ph\u00e1p l\u00fd, th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh c\u1ea1nh tranh v\u00e0 c\u00e1c ti\u00eau chu\u1ea9n kh\u00e1c nhau \u0111\u1ec3 th\u1ef1c hi\u1ec7n giao d\u1ecbch. V\u1edbi c\u00e1c l\u1edbp giao th\u1ee9c ph\u1ea7n m\u1ec1m ph\u1ed5 bi\u1ebfn v\u00e0 c\u00e1c chu\u1ed7i kh\u1ed1i c\u00f4ng khai \u0111\u1ec3 x\u00e2y d\u1ef1ng n\u00ean ch\u00fang, DeFi \u0111\u1eb7t c\u00f4ng ngh\u1ec7 \u1edf v\u1ecb tr\u00ed \u0111\u1ea7u ti\u00ean v\u00e0 trung t\u00e2m c\u1ee7a c\u00e1c giao d\u1ecbch trong ng\u00e0nh d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh.<\/span><\/p>\n

DeFi th\u01b0\u1eddng \u0111\u01b0\u1ee3c \u0111\u1eb7t trong l\u0129nh v\u1ef1c blockchain v\u00e0 ti\u1ec1n \u0111i\u1ec7n t\u1eed. Nh\u01b0ng ph\u1ea1m vi c\u1ee7a n\u00f3 c\u00f2n r\u1ed9ng h\u01a1n nhi\u1ec1u. \u0110\u1ec3 hi\u1ec3u c\u00e1c quy tr\u00ecnh t\u01b0 duy d\u1eabn \u0111\u1ebfn s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a t\u00e0i ch\u00ednh phi t\u1eadp trung, \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 ph\u1ea3i hi\u1ec3u tr\u1ea1ng th\u00e1i hi\u1ec7n t\u1ea1i c\u1ee7a h\u1ec7 sinh th\u00e1i t\u00e0i ch\u00ednh.<\/span><\/p>\n

C\u01a1 s\u1edf h\u1ea1 t\u1ea7ng t\u00e0i ch\u00ednh hi\u1ec7n \u0111\u1ea1i \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng theo m\u00f4 h\u00ecnh \u201ctr\u1ee5c b\u00e1nh – nan hoa\u201d. C\u00e1c trung t\u00e2m ho\u1ea1t \u0111\u1ed9ng kinh t\u1ebf ch\u00ednh, ch\u1eb3ng h\u1ea1n nh\u01b0 New York v\u00e0 London, c\u00f3 ch\u1ee9c n\u0103ng nh\u01b0 c\u00e1c trung t\u00e2m ho\u1ea1t \u0111\u1ed9ng cho ng\u00e0nh d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh v\u00e0 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng kinh t\u1ebf t\u1ea1i c\u00e1c trung t\u00e2m – c\u00e1c trung t\u00e2m khu v\u1ef1c ho\u1eb7c c\u01b0\u1eddng qu\u1ed1c t\u00e0i ch\u00ednh nh\u01b0 Mumbai ho\u1eb7c Milan c\u00f3 th\u1ec3 kh\u00f4ng quan tr\u1ecdng to\u00e0n c\u1ea7u nh\u01b0 c\u00e1c trung t\u00e2m nh\u01b0ng v\u1eabn ho\u1ea1t \u0111\u1ed9ng nh\u01b0 c\u00e1c trung t\u00e2m \u0111\u1ea7u n\u00e3o cho c\u00e1c n\u1ec1n kinh t\u1ebf t\u01b0\u01a1ng \u1ee9ng c\u1ee7a h\u1ecd.<\/span><\/p>\n

S\u1ef1 th\u1ecbnh v\u01b0\u1ee3ng hay kh\u00f3 kh\u0103n v\u1ec1 kinh t\u1ebf to\u1ea3 ra t\u1eeb c\u00e1c trung t\u00e2m \u0111\u1ebfn c\u00e1c nan hoa v\u00e0 h\u01b0\u1edbng t\u1edbi ph\u1ea7n c\u00f2n l\u1ea1i c\u1ee7a n\u1ec1n kinh t\u1ebf to\u00e0n c\u1ea7u. M\u00f4 h\u00ecnh ph\u1ee5 thu\u1ed9c l\u1eabn nhau n\u00e0y \u0111\u01b0\u1ee3c l\u1eb7p l\u1ea1i trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c t\u1eadp \u0111o\u00e0n d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh to\u00e0n c\u1ea7u. H\u1ecd c\u00f3 tr\u1ee5 s\u1edf ch\u00ednh t\u1ea1i c\u00e1c trung t\u00e2m v\u00e0 chi nh\u00e1nh \u0111\u1ecba ph\u01b0\u01a1ng, quan h\u1ec7 \u0111\u1ed1i t\u00e1c ho\u1eb7c \u0111\u1ea7u t\u01b0 tr\u00ean kh\u1eafp th\u1ebf gi\u1edbi. S\u1ef1 m\u1edf r\u1ed9ng c\u1ee7a c\u00e1c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a h\u1ecd c\u00f3 ngh\u0129a l\u00e0 b\u1ea3n th\u00e2n t\u1ed5 ch\u1ee9c ph\u1ea3i tu\u00e2n theo m\u1ed9t lo\u1ea1t c\u00e1c lu\u1eadt v\u00e0 quy \u0111\u1ecbnh trong m\u1ed7i khu v\u1ef1c t\u00e0i ch\u00ednh c\u1ee7a n\u00f3. Ph\u1ea1m vi ti\u1ebfp c\u1eadn c\u1ee7a h\u1ecd \u0111\u00e3 l\u00e0m cho c\u00e1c t\u1ed5 ch\u1ee9c \u0111\u00f3 tr\u1edf n\u00ean quan tr\u1ecdng v\u1ec1 m\u1eb7t h\u1ec7 th\u1ed1ng \u0111\u1ec3 duy tr\u00ec s\u1ef1 c\u00e2n b\u1eb1ng c\u1ee7a n\u1ec1n kinh t\u1ebf to\u00e0n c\u1ea7u v\u00e0 c\u1ea7n thi\u1ebft \u0111\u1ec3 duy tr\u00ec ho\u1eb7c t\u1ea1o ra c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh m\u1edbi.<\/span><\/p>\n

M\u1eb7c d\u00f9 m\u00f4 h\u00ecnh n\u00e0y ho\u1ea1t \u0111\u1ed9ng t\u1ed1t trong th\u1ebf k\u1ef7 tr\u01b0\u1edbc, cu\u1ed9c kh\u1ee7ng ho\u1ea3ng t\u00e0i ch\u00ednh v\u00e0 sau \u0111\u00f3 l\u00e0 cu\u1ed9c \u0110\u1ea1i suy tho\u00e1i, \u0111\u00e3 b\u1ed9c l\u1ed9 nhi\u1ec1u l\u1ed7 h\u1ed5ng trong ki\u1ebfn \u200b\u200btr\u00fac n\u00e0y. C\u00e1c v\u1ea5n \u0111\u1ec1 v\u1ec1 b\u1ea3ng c\u00e2n \u0111\u1ed1i k\u1ebf to\u00e1n \u0111\u1ed1i v\u1edbi m\u1ed9t s\u1ed1 t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh l\u1edbn \u0111\u00e3 t\u1ea1o ra hi\u1ec7u \u1ee9ng domino l\u00e0m n\u1ec1n kinh t\u1ebf s\u1ee5p \u0111\u1ed5 v\u00e0 s\u1ef1 kh\u1edfi \u0111\u1ea7u c\u1ee7a suy tho\u00e1i to\u00e0n c\u1ea7u.<\/span><\/p>\n

T\u00e0i ch\u00ednh phi t\u1eadp trung<\/a> s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 \u0111\u1ec3 t\u00e1ch bi\u1ec7t c\u00e1c m\u00f4 h\u00ecnh t\u1eadp trung v\u00e0 cho ph\u00e9p cung c\u1ea5p c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh \u1edf b\u1ea5t k\u1ef3 \u0111\u00e2u cho b\u1ea5t k\u1ef3 ai b\u1ea5t k\u1ec3 d\u00e2n t\u1ed9c, tu\u1ed5i t\u00e1c ho\u1eb7c b\u1ea3n s\u1eafc v\u0103n h\u00f3a. C\u00e1c d\u1ecbch v\u1ee5 v\u00e0 \u1ee9ng d\u1ee5ng DeFi ch\u1ee7 y\u1ebfu \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng tr\u00ean c\u00e1c blockchain c\u00f4ng khai v\u00e0 ch\u00fang t\u00e1i t\u1ea1o c\u00e1c d\u1ecbch v\u1ee5 hi\u1ec7n c\u00f3 \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng d\u1ef1a tr\u00ean c\u00e1c ti\u00eau chu\u1ea9n c\u00f4ng ngh\u1ec7 chung ho\u1eb7c cung c\u1ea5p c\u00e1c d\u1ecbch v\u1ee5 s\u00e1ng t\u1ea1o \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf ri\u00eang cho h\u1ec7 sinh th\u00e1i DeFi. \u0110\u1ed3ng th\u1eddi, c\u00e1c \u1ee9ng d\u1ee5ng DeFi cung c\u1ea5p cho ng\u01b0\u1eddi d\u00f9ng nhi\u1ec1u quy\u1ec1n ki\u1ec3m so\u00e1t h\u01a1n \u0111\u1ed1i v\u1edbi ti\u1ec1n c\u1ee7a h\u1ecd th\u00f4ng qua v\u00ed c\u00e1 nh\u00e2n v\u00e0 c\u00e1c d\u1ecbch v\u1ee5 giao d\u1ecbch ph\u1ee5c v\u1ee5 r\u00f5 r\u00e0ng cho ng\u01b0\u1eddi d\u00f9ng c\u00e1 nh\u00e2n thay v\u00ec th\u00f4ng qua c\u00e1c t\u1ed5 ch\u1ee9c.<\/span><\/p>\n

C\u00e1c th\u00e0nh ph\u1ea7n c\u1ee7a DeFi l\u00e0 g\u00ec?<\/b><\/h2>\n

\u1ede c\u1ea5p \u0111\u1ed9 r\u1ed9ng, c\u00e1c th\u00e0nh ph\u1ea7n c\u1ee7a DeFi gi\u1ed1ng nh\u01b0 c\u00e1c th\u00e0nh ph\u1ea7n c\u1ee7a h\u1ec7 sinh th\u00e1i t\u00e0i ch\u00ednh hi\u1ec7n c\u00f3, c\u00f3 ngh\u0129a l\u00e0 ch\u00fang y\u00eau c\u1ea7u y\u1ebfu t\u1ed1 ti\u1ec1n t\u1ec7 \u1ed5n \u0111\u1ecbnh v\u00e0 nhi\u1ec1u \u1ee9ng d\u1ee5ng. C\u00e1c th\u00e0nh ph\u1ea7n c\u1ee7a DeFi \u1edf d\u1ea1ng stablecoin v\u00e0 c\u00e1c d\u1ecbch v\u1ee5 nh\u01b0 trao \u0111\u1ed5i ti\u1ec1n \u0111i\u1ec7n t\u1eed v\u00e0 d\u1ecbch v\u1ee5 cho vay. H\u1ee3p \u0111\u1ed3ng th\u00f4ng minh<\/a> cung c\u1ea5p khu\u00f4n kh\u1ed5 cho ho\u1ea1t \u0111\u1ed9ng c\u1ee7a \u1ee9ng d\u1ee5ng DeFi v\u00ec ch\u00fang m\u00e3 h\u00f3a c\u00e1c \u0111i\u1ec1u kho\u1ea3n v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ea7n thi\u1ebft cho ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c d\u1ecbch v\u1ee5 n\u00e0y. V\u00ed d\u1ee5: m\u1ed7i h\u1ee3p \u0111\u1ed3ng th\u00f4ng minh c\u00f3 m\u1ed9t m\u00e3 c\u1ee5 th\u1ec3 thi\u1ebft l\u1eadp c\u00e1c \u0111i\u1ec1u kho\u1ea3n v\u00e0 \u0111i\u1ec1u ki\u1ec7n ch\u00ednh x\u00e1c c\u1ee7a kho\u1ea3n vay gi\u1eefa c\u00e1c c\u00e1 nh\u00e2n. N\u1ebfu c\u00e1c \u0111i\u1ec1u kho\u1ea3n ho\u1eb7c \u0111i\u1ec1u ki\u1ec7n nh\u1ea5t \u0111\u1ecbnh kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u00e1p \u1ee9ng, t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c thanh l\u00fd. T\u1ea5t c\u1ea3 \u0111i\u1ec1u n\u00e0y \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n th\u00f4ng qua m\u00e3 c\u1ee5 th\u1ec3 ch\u1ee9 kh\u00f4ng ph\u1ea3i b\u1edfi m\u1ed9t ng\u00e2n h\u00e0ng ho\u1eb7c t\u1ed5 ch\u1ee9c kh\u00e1c theo c\u00e1ch th\u1ee7 c\u00f4ng.<\/span><\/p>\n

T\u1ea5t c\u1ea3 c\u00e1c th\u00e0nh ph\u1ea7n c\u1ee7a h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh phi t\u1eadp trung \u0111\u1ec1u thu\u1ed9c v\u1ec1 m\u1ed9t d\u1ea3i ph\u1ea7n m\u1ec1m. C\u00e1c th\u00e0nh ph\u1ea7n c\u1ee7a m\u1ed7i l\u1edbp nh\u1eb1m th\u1ef1c hi\u1ec7n m\u1ed9t ch\u1ee9c n\u0103ng c\u1ee5 th\u1ec3 trong vi\u1ec7c x\u00e2y d\u1ef1ng h\u1ec7 th\u1ed1ng DeFi. Kh\u1ea3 n\u0103ng k\u1ebft h\u1ee3p l\u00e0 m\u1ed9t \u0111\u1eb7c \u0111i\u1ec3m \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh b\u1edfi c\u00e1c th\u00e0nh ph\u1ea7n thu\u1ed9c m\u1ed7i l\u1edbp c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c c\u1ea5u t\u1ea1o c\u00f9ng nhau \u0111\u1ec3 t\u1ea1o th\u00e0nh m\u1ed9t \u1ee9ng d\u1ee5ng DeFi.<\/span><\/p>\n

B\u1ed1n l\u1edbp c\u1ea5u th\u00e0nh n\u00ean DeFi:<\/b><\/h2>\n

L\u1edbp d\u00e0n x\u1ebfp<\/b>: L\u1edbp d\u00e0n x\u1ebfp c\u00f2n \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 L\u1edbp 0 v\u00ec n\u00f3 l\u00e0 l\u1edbp c\u01a1 s\u1edf m\u00e0 c\u00e1c giao d\u1ecbch DeFi kh\u00e1c \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng tr\u00ean \u0111\u00f3. N\u00f3 bao g\u1ed3m m\u1ed9t blockchain c\u00f4ng khai v\u00e0 ti\u1ec1n t\u1ec7 k\u1ef9 thu\u1eadt s\u1ed1 ho\u1eb7c ti\u1ec1n \u0111i\u1ec7n t\u1eed b\u1ea3n \u0111\u1ecba c\u1ee7a n\u00f3. C\u00e1c giao d\u1ecbch x\u1ea3y ra tr\u00ean \u1ee9ng d\u1ee5ng DeFi \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft b\u1eb1ng \u0111\u01a1n v\u1ecb ti\u1ec1n t\u1ec7 n\u00e0y, c\u00f3 th\u1ec3 c\u00f3 ho\u1eb7c kh\u00f4ng \u0111\u01b0\u1ee3c giao d\u1ecbch tr\u00ean th\u1ecb tr\u01b0\u1eddng c\u00f4ng khai. M\u1ed9t v\u00ed d\u1ee5 v\u1ec1 l\u1edbp thanh to\u00e1n l\u00e0 Ethereum v\u00e0 token g\u1ed1c ether (ETH) c\u1ee7a n\u00f3, \u0111\u01b0\u1ee3c giao d\u1ecbch t\u1ea1i c\u00e1c s\u00e0n giao d\u1ecbch ti\u1ec1n \u0111i\u1ec7n t\u1eed. L\u1edbp thanh to\u00e1n c\u0169ng c\u00f3 th\u1ec3 c\u00f3 c\u00e1c phi\u00ean b\u1ea3n \u0111\u01b0\u1ee3c m\u00e3 h\u00f3a c\u1ee7a t\u00e0i s\u1ea3n, ch\u1eb3ng h\u1ea1n nh\u01b0 \u0111\u00f4 la M\u1ef9 ho\u1eb7c m\u00e3 th\u00f4ng b\u00e1o l\u00e0 \u0111\u1ea1i di\u1ec7n k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a t\u00e0i s\u1ea3n trong th\u1ebf gi\u1edbi th\u1ef1c. V\u00ed d\u1ee5: token b\u1ea5t \u0111\u1ed9ng s\u1ea3n c\u00f3 th\u1ec3 \u0111\u1ea1i di\u1ec7n cho quy\u1ec1n s\u1edf h\u1eefu m\u1ed9t th\u1eeda \u0111\u1ea5t.<\/span><\/p>\n

L\u1edbp giao th\u1ee9c<\/b>: Giao th\u1ee9c ph\u1ea7n m\u1ec1m l\u00e0 c\u00e1c ti\u00eau chu\u1ea9n v\u00e0 quy t\u1eafc \u0111\u01b0\u1ee3c vi\u1ebft \u0111\u1ec3 \u0111i\u1ec1u ch\u1ec9nh c\u00e1c nhi\u1ec7m v\u1ee5 ho\u1eb7c ho\u1ea1t \u0111\u1ed9ng c\u1ee5 th\u1ec3. Song song v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c trong th\u1ebf gi\u1edbi th\u1ef1c, \u0111\u00e2y s\u1ebd l\u00e0 m\u1ed9t t\u1eadp h\u1ee3p c\u00e1c nguy\u00ean t\u1eafc v\u00e0 quy t\u1eafc m\u00e0 t\u1ea5t c\u1ea3 nh\u1eefng ng\u01b0\u1eddi tham gia trong m\u1ed9t ng\u00e0nh nh\u1ea5t \u0111\u1ecbnh \u0111\u00e3 \u0111\u1ed3ng \u00fd tu\u00e2n theo nh\u01b0 m\u1ed9t \u0111i\u1ec1u ki\u1ec7n ti\u00ean quy\u1ebft \u0111\u1ec3 ho\u1ea1t \u0111\u1ed9ng trong ng\u00e0nh. C\u00e1c giao th\u1ee9c DeFi c\u00f3 th\u1ec3 t\u01b0\u01a1ng t\u00e1c v\u1edbi nhau, c\u00f3 ngh\u0129a l\u00e0 ch\u00fang c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng b\u1edfi nhi\u1ec1u th\u1ef1c th\u1ec3 c\u00f9ng m\u1ed9t l\u00fac \u0111\u1ec3 x\u00e2y d\u1ef1ng m\u1ed9t d\u1ecbch v\u1ee5 ho\u1eb7c m\u1ed9t \u1ee9ng d\u1ee5ng. L\u1edbp giao th\u1ee9c cung c\u1ea5p t\u00ednh thanh kho\u1ea3n cho h\u1ec7 sinh th\u00e1i DeFi. M\u1ed9t v\u00ed d\u1ee5 v\u1ec1 giao th\u1ee9c DeFi l\u00e0 Synthetix, m\u1ed9t giao th\u1ee9c giao d\u1ecbch ph\u00e1i sinh tr\u00ean Ethereum. N\u00f3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 t\u1ea1o ra c\u00e1c phi\u00ean b\u1ea3n t\u1ed5ng h\u1ee3p c\u1ee7a t\u00e0i s\u1ea3n trong th\u1ebf gi\u1edbi th\u1ef1c.<\/span><\/p>\n

L\u1edbp \u1ee9ng d\u1ee5ng:<\/b> Nh\u01b0 t\u00ean \u0111\u00e3 ch\u1ec9 ra, l\u1edbp \u1ee9ng d\u1ee5ng l\u00e0 n\u01a1i l\u01b0u tr\u1eef c\u1ee7a c\u00e1c \u1ee9ng d\u1ee5ng d\u00e0nh cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng. C\u00e1c \u1ee9ng d\u1ee5ng n\u00e0y tr\u1eebu t\u01b0\u1ee3ng h\u00f3a c\u00e1c giao th\u1ee9c c\u01a1 b\u1ea3n th\u00e0nh c\u00e1c d\u1ecbch v\u1ee5 \u0111\u01a1n gi\u1ea3n t\u1eadp trung v\u00e0o ng\u01b0\u1eddi ti\u00eau d\u00f9ng. H\u1ea7u h\u1ebft c\u00e1c \u1ee9ng d\u1ee5ng ph\u1ed5 bi\u1ebfn trong h\u1ec7 sinh th\u00e1i ti\u1ec1n \u0111i\u1ec7n t\u1eed, ch\u1eb3ng h\u1ea1n nh\u01b0 trao \u0111\u1ed5i ti\u1ec1n \u0111i\u1ec7n t\u1eed phi t\u1eadp trung v\u00e0 c\u00e1c d\u1ecbch v\u1ee5 cho vay, \u0111\u1ec1u n\u1eb1m tr\u00ean l\u1edbp n\u00e0y.<\/span><\/p>\n

L\u1edbp t\u1ed5ng h\u1ee3p: <\/b>L\u1edbp t\u1ed5ng h\u1ee3p bao g\u1ed3m c\u00e1c tr\u00ecnh t\u1ed5ng h\u1ee3p k\u1ebft n\u1ed1i c\u00e1c \u1ee9ng d\u1ee5ng kh\u00e1c nhau t\u1eeb l\u1edbp tr\u01b0\u1edbc \u0111\u1ec3 cung c\u1ea5p d\u1ecbch v\u1ee5 cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0. V\u00ed d\u1ee5: ch\u00fang c\u00f3 th\u1ec3 cho ph\u00e9p chuy\u1ec3n ti\u1ec1n li\u1ec1n m\u1ea1ch gi\u1eefa c\u00e1c c\u00f4ng c\u1ee5 t\u00e0i ch\u00ednh kh\u00e1c nhau \u0111\u1ec3 t\u1ed1i \u0111a h\u00f3a l\u1ee3i nhu\u1eadn. Trong th\u1ef1c ti\u1ec5n v\u1eadt l\u00fd, c\u00e1c h\u00e0nh \u0111\u1ed9ng giao d\u1ecbch nh\u01b0 v\u1eady s\u1ebd \u0111\u00f2i h\u1ecfi s\u1ef1 ph\u1ed1i h\u1ee3p v\u00e0 th\u1ee7 t\u1ee5c gi\u1ea5y t\u1edd \u0111\u00e1ng k\u1ec3. Nh\u01b0ng m\u1ed9t khu\u00f4n kh\u1ed5 d\u1ef1a tr\u00ean c\u00f4ng ngh\u1ec7 s\u1ebd l\u00e0m tr\u01a1n tru c\u00e1c b\u01b0\u1edbc \u0111\u1ea7u t\u01b0, cho ph\u00e9p c\u00e1c nh\u00e0 giao d\u1ecbch chuy\u1ec3n \u0111\u1ed5i gi\u1eefa c\u00e1c d\u1ecbch v\u1ee5 kh\u00e1c nhau m\u1ed9t c\u00e1ch nhanh ch\u00f3ng. Cho vay v\u00e0 \u0111i vay l\u00e0 m\u1ed9t v\u00ed d\u1ee5 v\u1ec1 d\u1ecbch v\u1ee5 t\u1ed3n t\u1ea1i tr\u00ean l\u1edbp t\u1ed5ng h\u1ee3p. C\u00e1c d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng v\u00e0 v\u00ed ti\u1ec1n \u0111i\u1ec7n t\u1eed l\u00e0 nh\u1eefng v\u00ed d\u1ee5 kh\u00e1c.<\/span><\/p>\n

T\u00ecnh tr\u1ea1ng hi\u1ec7n t\u1ea1i c\u1ee7a DeFi<\/b><\/h2>\n

T\u00e0i ch\u00ednh phi t\u1eadp trung v\u1eabn \u0111ang trong giai \u0111o\u1ea1n \u0111\u1ea7u c\u1ee7a qu\u00e1 tr\u00ecnh ph\u00e1t tri\u1ec3n. T\u1ed5ng gi\u00e1 tr\u1ecb b\u1ecb kh\u00f3a trong c\u00e1c h\u1ee3p \u0111\u1ed3ng DeFi l\u00e0 h\u01a1n 41 t\u1ef7 \u0111\u00f4 la, t\u00ednh \u0111\u1ebfn th\u00e1ng 3 n\u0103m 2021. T\u1ed5ng gi\u00e1 tr\u1ecb b\u1ecb kh\u00f3a \u0111\u01b0\u1ee3c t\u00ednh b\u1eb1ng c\u00e1ch nh\u00e2n s\u1ed1 l\u01b0\u1ee3ng m\u00e3 th\u00f4ng b\u00e1o trong giao th\u1ee9c v\u00e0 gi\u00e1 tr\u1ecb c\u1ee7a ch\u00fang b\u1eb1ng USD. M\u1eb7c d\u00f9 con s\u1ed1 t\u1ed5ng s\u1ed1 cho DeFi nghe c\u00f3 v\u1ebb \u0111\u00e1ng k\u1ec3, nh\u01b0ng \u0111i\u1ec1u quan tr\u1ecdng c\u1ea7n nh\u1edb l\u00e0 n\u00f3 ch\u1ec9 l\u00e0 h\u01b0 c\u1ea5u v\u00ec nhi\u1ec1u token DeFi thi\u1ebfu \u0111\u1ee7 thanh kho\u1ea3n v\u00e0 kh\u1ed1i l\u01b0\u1ee3ng \u0111\u1ec3 giao d\u1ecbch<\/a> tr\u00ean th\u1ecb tr\u01b0\u1eddng ti\u1ec1n \u0111i\u1ec7n t\u1eed.<\/span><\/p>\n

H\u1ec7 sinh th\u00e1i DeFi v\u1eabn c\u00f2n nhi\u1ec1u r\u1ee7i ro v\u00e0 kh\u1ea3 n\u0103ng b\u1ecb hack c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng. L\u1eeba \u0111\u1ea3o c\u0169ng c\u00f3 r\u1ea5t nhi\u1ec1u trong c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng DeFi v\u00e0 \u0111ang ph\u00e1t tri\u1ec3n nhanh ch\u00f3ng. DeFi “k\u00e9o th\u1ea3m”, trong \u0111\u00f3 tin t\u1eb7c r\u00fat c\u1ea1n m\u1ed9t giao th\u1ee9c c\u1ee7a c\u00e1c qu\u1ef9 v\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0 kh\u00f4ng th\u1ec3 giao d\u1ecbch l\u00e0 \u0111i\u1ec1u ph\u1ed5 bi\u1ebfn, m\u1eb7c d\u00f9 c\u00f3 nh\u1eefng giao th\u1ee9c \u0111\u01b0\u1ee3c thi\u1ebft l\u1eadp t\u1ed1t c\u00f3 th\u1ec3 gi\u1ea3m r\u1ee7i ro n\u00e0y \u0111\u00e1ng k\u1ec3.<\/span><\/p>\n

B\u1ea3n ch\u1ea5t m\u1edf v\u00e0 t\u01b0\u01a1ng \u0111\u1ed1i ph\u00e2n t\u00e1n c\u1ee7a h\u1ec7 sinh th\u00e1i t\u00e0i ch\u00ednh phi t\u1eadp trung c\u0169ng c\u00f3 th\u1ec3 \u0111\u1eb7t ra c\u00e1c v\u1ea5n \u0111\u1ec1 \u0111\u1ed1i v\u1edbi quy \u0111\u1ecbnh t\u00e0i ch\u00ednh hi\u1ec7n h\u00e0nh. C\u00e1c lu\u1eadt hi\u1ec7n h\u00e0nh \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng d\u1ef1a tr\u00ean \u00fd t\u01b0\u1edfng v\u1ec1 c\u00e1c khu v\u1ef1c t\u00e0i ch\u00ednh ri\u00eang bi\u1ec7t, m\u1ed7i khu v\u1ef1c c\u00f3 lu\u1eadt v\u00e0 b\u1ed9 quy t\u1eafc ri\u00eang. Kho\u1ea3ng giao d\u1ecbch kh\u00f4ng bi\u00ean gi\u1edbi c\u1ee7a DeFi \u0111\u01b0a ra nh\u1eefng c\u00e2u h\u1ecfi quan tr\u1ecdng cho lo\u1ea1i quy \u0111\u1ecbnh n\u00e0y. V\u00ed d\u1ee5: ai l\u00e0 ng\u01b0\u1eddi ch\u1ecbu t\u1ed9i trong m\u1ed9t t\u1ed9i ph\u1ea1m t\u00e0i ch\u00ednh x\u1ea3y ra xuy\u00ean bi\u00ean gi\u1edbi gi\u1eefa giao th\u1ee9c v\u00e0 \u1ee9ng d\u1ee5ng DeFi?<\/span><\/p>\n

H\u1ee3p \u0111\u1ed3ng th\u00f4ng minh l\u00e0 m\u1ed9t l\u0129nh v\u1ef1c quan t\u00e2m kh\u00e1c \u0111\u1ed1i v\u1edbi quy \u0111\u1ecbnh DeFi. B\u00ean c\u1ea1nh th\u00e0nh c\u00f4ng c\u1ee7a Bitcoin<\/a>, DeFi l\u00e0 v\u00ed d\u1ee5 r\u00f5 r\u00e0ng nh\u1ea5t cho lu\u1eadn \u0111i\u1ec3m \u201cm\u00e3 l\u00e0 lu\u1eadt\u201d, trong \u0111\u00f3 lu\u1eadt \u0111\u1ea1i di\u1ec7n cho m\u1ed9t t\u1eadp h\u1ee3p c\u00e1c quy t\u1eafc \u0111\u01b0\u1ee3c vi\u1ebft v\u00e0 th\u1ef1c thi th\u00f4ng qua m\u00e3 b\u1ea5t bi\u1ebfn. Thu\u1eadt to\u00e1n c\u1ee7a h\u1ee3p \u0111\u1ed3ng th\u00f4ng minh \u0111\u01b0\u1ee3c m\u00e3 h\u00f3a v\u1edbi c\u00e1c c\u1ea5u tr\u00fac v\u00e0 \u0111i\u1ec1u kho\u1ea3n s\u1eed d\u1ee5ng c\u1ea7n thi\u1ebft \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch gi\u1eefa hai b\u00ean. Tuy nhi\u00ean, h\u1ec7 th\u1ed1ng ph\u1ea7n m\u1ec1m c\u00f3 th\u1ec3 ho\u1ea1t \u0111\u1ed9ng sai do nhi\u1ec1u y\u1ebfu t\u1ed1.<\/span><\/p>\n

V\u00ed d\u1ee5, \u0111i\u1ec1u g\u00ec s\u1ebd x\u1ea3y ra n\u1ebfu m\u1ed9t \u0111\u1ea7u v\u00e0o kh\u00f4ng ch\u00ednh x\u00e1c khi\u1ebfn h\u1ec7 th\u1ed1ng g\u1eb7p s\u1ef1 c\u1ed1? Ho\u1eb7c, n\u1ebfu m\u1ed9t tr\u00ecnh bi\u00ean d\u1ecbch (ch\u1ecbu tr\u00e1ch nhi\u1ec7m bi\u00ean d\u1ecbch v\u00e0 ch\u1ea1y m\u00e3) b\u1ecb l\u1ed7i. Ai ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 nh\u1eefng thay \u0111\u1ed5i n\u00e0y? Nh\u1eefng c\u00e2u h\u1ecfi n\u00e0y v\u00e0 nhi\u1ec1u c\u00e2u h\u1ecfi kh\u00e1c c\u1ea7n \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft tr\u01b0\u1edbc khi DeFi tr\u1edf th\u00e0nh m\u1ed9t h\u1ec7 th\u1ed1ng ch\u00ednh th\u1ed1ng \u0111\u01b0\u1ee3c \u0111\u00f4ng \u0111\u1ea3o c\u00f4ng ch\u00fang s\u1eed d\u1ee5ng.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

\u1ede d\u1ea1ng \u0111\u01a1n gi\u1ea3n nh\u1ea5t, t\u00e0i ch\u00ednh phi t\u1eadp trung l\u00e0 m\u1ed9t h\u1ec7 th\u1ed1ng m\u00e0 c\u00e1c s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh c\u00f3 s\u1eb5n tr\u00ean m\u1ed9t m\u1ea1ng l\u01b0\u1edbi blockchain phi t\u1eadp trung c\u00f4ng khai, khi\u1ebfn ch\u00fang \u0111\u01b0\u1ee3c m\u1edf cho b\u1ea5t k\u1ef3 ai s\u1eed d\u1ee5ng, thay v\u00ec th\u00f4ng qua ng\u01b0\u1eddi trung gian nh\u01b0 ng\u00e2n h\u00e0ng hay c\u00e1c\u00a0 c\u00f4ng […]<\/p>\n","protected":false},"author":11,"featured_media":6135,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[143],"tags":[9014,101,9013],"class_list":["post-6137","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-advanced-guide","tag-decentralized-finance","tag-defi","tag-tai-chinh-phi-tap-trung"],"yoast_head":"\nT\u00e0i ch\u00ednh phi t\u1eadp trung l\u00e0 g\u00ec? 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