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什么是DeFi (去中心化金融)

article 2025/2/22 20:57:44

DeFi (去中心化金融) 概述 💰

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1. DeFi 基础概念

1.1 什么是 DeFi？

DeFi 是建立在区块链上的金融服务生态系统，它：

无需中心化中介
开放且透明
无需许可即可参与
代码即法律

1.2 DeFi 的优势

开放性：任何人都可以参与
透明性：所有交易公开可查
自动化：智能合约执行
可组合性：“金融乐高”

2. DeFi 核心协议类型

2.1 去中心化交易所（DEX）

// Uniswap V2 风格的 DEX 示例
contract SimpleDEX {
    mapping(address => mapping(address => uint)) public reserves;
    
    function addLiquidity(address tokenA, address tokenB, uint amountA, uint amountB) external {
        require(amountA > 0 && amountB > 0, "Invalid amounts");
        reserves[tokenA][tokenB] += amountA;
        reserves[tokenB][tokenA] += amountB;
    }
    
    function getPrice(address tokenA, address tokenB) public view returns (uint) {
        return reserves[tokenA][tokenB] / reserves[tokenB][tokenA];
    }
}

2.2 借贷协议

contract SimpleLending {
    mapping(address => uint) public deposits;
    mapping(address => uint) public borrows;
    
    function deposit() external payable {
        deposits[msg.sender] += msg.value;
    }
    
    function borrow(uint amount) external {
        require(amount <= deposits[msg.sender] * 2, "Insufficient collateral");
        borrows[msg.sender] += amount;
    }
}

3. DeFi 生态系统

3.1 主要协议

DEX
- Uniswap
- SushiSwap
- Curve
借贷平台
- Aave
- Compound
- MakerDAO
收益聚合器
- Yearn Finance
- Convex
- Harvest

3.2 基础设施

// Web3 连接示例
const connectDeFi = async () => {
    const provider = new ethers.providers.Web3Provider(window.ethereum);
    const signer = provider.getSigner();
    
    // 连接到 Aave 协议
    const lendingPool = new ethers.Contract(
        AAVE_LENDING_POOL_ADDRESS,
        LENDING_POOL_ABI,
        signer
    );
    
    // 获取用户数据
    const userAccountData = await lendingPool.getUserAccountData(userAddress);
    return userAccountData;
};

4. DeFi 交互模式

4.1 流动性提供

interface IUniswapV2Router {
    function addLiquidity(
        address tokenA,
        address tokenB,
        uint amountADesired,
        uint amountBDesired,
        uint amountAMin,
        uint amountBMin,
        address to,
        uint deadline
    ) external returns (uint amountA, uint amountB, uint liquidity);
}

4.2 收益耕作

contract YieldFarming {
    IERC20 public stakingToken;
    IERC20 public rewardToken;
    
    mapping(address => uint) public stakedBalance;
    mapping(address => uint) public rewardBalance;
    
    function stake(uint amount) external {
        stakingToken.transferFrom(msg.sender, address(this), amount);
        stakedBalance[msg.sender] += amount;
    }
    
    function claimRewards() external {
        uint reward = calculateReward(msg.sender);
        rewardToken.transfer(msg.sender, reward);
    }
}

5. 风险管理

5.1 智能合约风险

contract SafeDeFi {
    // 紧急停止
    bool public paused;
    modifier whenNotPaused() {
        require(!paused, "Contract is paused");
        _;
    }
    
    // 限额控制
    uint public maxDeposit = 1000 ether;
    modifier withinLimit(uint amount) {
        require(amount <= maxDeposit, "Exceeds deposit limit");
        _;
    }
    
    // 重入锁
    bool private locked;
    modifier noReentrant() {
        require(!locked, "No reentrancy");
        locked = true;
        _;
        locked = false;
    }
}

5.2 价格操纵防护

contract PriceOracle {
    function getPrice(address token) external view returns (uint) {
        // 使用时间加权平均价格（TWAP）
        uint[] memory prices = getHistoricalPrices(token, 24 hours);
        return calculateTWAP(prices);
    }
    
    function calculateTWAP(uint[] memory prices) internal pure returns (uint) {
        // 计算加权平均价格
        uint sum = 0;
        for (uint i = 0; i < prices.length; i++) {
            sum += prices[i];
        }
        return sum / prices.length;
    }
}

6. DeFi 开发工具

6.1 开发框架

// 使用 Hardhat 部署 DeFi 协议
async function deployProtocol() {
    // 部署代币
    const Token = await ethers.getContractFactory("Token");
    const token = await Token.deploy();
    
    // 部署 DEX
    const DEX = await ethers.getContractFactory("DEX");
    const dex = await DEX.deploy(token.address);
    
    // 部署收益耕作
    const Farm = await ethers.getContractFactory("Farm");
    const farm = await Farm.deploy(token.address, dex.address);
    
    return { token, dex, farm };
}

6.2 测试工具

describe("DeFi Protocol", function() {
    it("Should provide liquidity", async function() {
        const { token, dex } = await deployProtocol();
        
        // 添加流动性
        await token.approve(dex.address, ethers.utils.parseEther("1000"));
        await dex.addLiquidity(
            ethers.utils.parseEther("1000"),
            { value: ethers.utils.parseEther("10") }
        );
        
        // 验证流动性
        const reserves = await dex.getReserves();
        expect(reserves.token).to.equal(ethers.utils.parseEther("1000"));
        expect(reserves.eth).to.equal(ethers.utils.parseEther("10"));
    });
});