利用DeFi聚合器追求收益率。

Quantstamp Announcements
September 21, 2020

The DeFi space has seen impressive innovation and traction over the last two years, with the total value locked in the DeFi ecosystem surpassing $9.4 billion in mid-September (DeFi Pulse). As DeFi continues to evolve, DeFi aggregators are emerging as a strong trend.  As user-facing products built on decentralized infrastructure, DeFi aggregators unlock the potential for higher yields and a better user experience.

Because returns vary greatly across different lending platforms, aggregators help investors get the highest possible yield. Aggregators played a key role in the recent yield farming craze by leveraging DeFi protocols to maximize user returns. While protocols such as Compound, Uniswap, and others have built out user-facing applications, their priority remains centered on core functionality. In contrast, aggregators focus on simplifying and improving the experience for the end user. For example, in the case of an alternative savings account, users don’t need to worry about the underlying smart contracts or networks; instead, they simply deposit money and watch interest accrue.

Quantstamp is proud to have helped secure some of the industry’s leading DeFi aggregator projects including Idle Finance, Rari Capital, and Yearn:


Idle.Finance 



Idle Finance is a DeFi rebalancing protocol, which tokenizes the best interest rate across different lending protocols on the Ethereum money market. With Idle, users and dApp developers don’t have to switch funds between lending protocols manually. Instead, by buying and holding IdleTokens, a user’s underlying position is rebalanced dynamically each time the lending protocol that is offering the highest rate changes. This allows users to always attain the most profitable return for their savings. Different allocation strategies can be chosen, allowing users to choose between maximum yield or risk-adjusted.


Rari Capital


Rari positions themselves as the “Smartest Stable Robo-Advisor,” and is built to maximize yield across protocols such as  Compound, Aave, Synthetix, and Curve. 

Rari lets anyone with an Ethereum-based wallet access the protocol, lend their funds, and participate in what’s known as yield farming.  Funds begin earning interest as soon as they are deposited, with a 20% performance fee being deducted from all yield earned by RFT token holders.


Yearn.Finance



Yearn, a community-driven project, provides a way for liquidity providers to maximize their yield and is intended to be governed in a decentralized manner. After launching their token in July, they experienced unprecedented growth which has shown no signs of slowing down, recently surpassing $900M in Total Value Locked (TVL). Quantstamp worked with the community to provide an informal code review of their Y Pool, Staking, and Governance pools. 


What’s Next

DeFi aggregators are already experiencing product-market fit, so they will likely play a bigger role as the DeFi space continues to develop. By unlocking better yields and providing an unparalleled user experience, aggregators are driving DeFi users to various protocols and supporting even greater adoption within the space. 




Quantstamp 公告
2020年9月21日

过去两年,DeFi领域的创新和牵引力令人印象深刻,9月中旬,DeFi生态系统锁定的总价值超过了94亿美元(DeFi Pulse)。随着DeFi的不断发展,DeFi聚合器正成为一种强劲的趋势。 作为建立在去中心化基础设施上的面向用户的产品,DeFi聚合器释放了更高收益率和更好用户体验的潜力。

由于不同借贷平台的收益差异很大,聚合器帮助投资者获得最高收益。聚合器在最近的收益率养殖热潮中发挥了关键作用,它们利用DeFi协议将用户收益最大化。虽然Compound、Uniswap等协议已经建立了面向用户的应用,但其优先级仍然集中在核心功能上。相比之下,聚合器则专注于简化和改善终端用户的体验。例如,在另类储蓄账户的情况下,用户不需要担心底层的智能合约或网络,相反,他们只需存入资金并观看利息的累积。

Quantstamp 很荣幸能够帮助获得一些行业领先的DeFi聚合项目,包括Idle Finance、Rari Capital和Yearn。


Idle.Finance 



Idle Finance是一个DeFi再平衡协议,它将Ethereum货币市场上不同借贷协议之间的最佳利率进行代币化。通过Idle,用户和dApp开发者不必在借贷协议之间手动切换资金。相反,通过购买和持有IdleTokens,每次提供最高利率的借贷协议发生变化时,用户的基础头寸都会动态地重新平衡。这使得用户总是能够为他们的储蓄获得最有利的回报。可以选择不同的配置策略,让用户在最大收益或风险调整之间进行选择。


Rari Capital


Rari将自己定位为"最智能稳定的机器人顾问",并在Compound、Aave、Synthetix和Curve等协议中实现收益率最大化。 

Rari让任何拥有基于Ethereum的钱包的人都可以访问该协议,借出他们的资金,并参与所谓的收益率种植。 资金一存入就开始赚取利息,RFT代币持有者赚取的所有收益率中会扣除20%的性能费。


Yearn.Finance



Yearn是一个社区驱动的项目,为流动性提供者提供了一种最大化收益率的方式,并旨在以去中心化的方式进行管理。在7月份推出他们的代币后,他们经历了前所未有的增长,没有任何放缓的迹象,最近锁定的总价值(TVL)超过了9亿美元。Quantstamp ,与社区合作,对他们的Y池、押注和治理池进行了非正式的代码审查。 


下一步工作

DeFi聚合器已经在经历产品与市场的契合,因此随着DeFi领域的不断发展,它们将可能发挥更大的作用。通过解锁更好的收益率和提供无与伦比的用户体验,聚合器正在推动DeFi用户使用各种协议,并支持该领域内更多的应用。 




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