{"id":1285,"date":"2026-02-02T10:34:14","date_gmt":"2026-02-02T02:34:14","guid":{"rendered":"https:\/\/www.benpay.com\/blog\/?p=1285"},"modified":"2026-03-16T15:23:48","modified_gmt":"2026-03-16T07:23:48","slug":"beginner-friendly-guide-to-defi-yield-aggregators","status":"publish","type":"post","link":"https:\/\/www.benpay.com\/blog\/index.php\/zh\/beginner-friendly-guide-to-defi-yield-aggregators\/","title":{"rendered":"DeFi \u8d5a\u5e01\u6ca1\u90a3\u4e48\u96be\uff1a\u4e00\u4efd\u7701\u5fc3\u7684\u6536\u76ca\u805a\u5408\u5668\u64cd\u4f5c\u6307\u5357"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>TL;DR\uff5cDeFi \u8d5a\u5e01\u6838\u5fc3\u8981\u70b9<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>DeFi \u8d5a\u5e01\u672c\u8d28\u662f\uff1a\u901a\u8fc7<strong>\u63d0\u4f9b\u6d41\u52a8\u6027\u3001\u51fa\u501f\u8d44\u91d1\u6216\u7ef4\u62a4\u7f51\u7edc\u5b89\u5168<\/strong>\u83b7\u5f97\u5e02\u573a\u5316\u56de\u62a5<\/li>\n\n\n\n<li>\u4e3b\u6d41\u65b9\u5f0f\u5305\u62ec\uff1a<strong>\u8d28\u62bc\u3001\u501f\u8d37\u751f\u606f\u3001\u6d41\u52a8\u6027\u6316\u77ff<\/strong><\/li>\n\n\n\n<li>\u6536\u76ca\u6765\u81ea\u771f\u5b9e\u9700\u6c42\uff0c\u4f46\u98ce\u9669\u4e3b\u8981\u5728<strong>\u667a\u80fd\u5408\u7ea6\u3001\u4ef7\u683c\u6ce2\u52a8\u548c\u64cd\u4f5c\u590d\u6742\u5ea6<\/strong><\/li>\n\n\n\n<li>\u4e0e\u4f20\u7edf\u91d1\u878d\uff08TradFi\uff09\u76f8\u6bd4\uff0cDeFi \u8d5a\u5e01<strong>\u65e0\u9700\u4e2d\u4ecb<\/strong>\uff0c<strong>\u8d44\u91d1\u81ea\u4e3b\u7ba1\u7406<\/strong>\uff0c\u53ef<strong>\u5b9e\u65f6\u751f\u606f\u5e76\u7075\u6d3b\u7ec4\u5408\u7b56\u7565<\/strong><\/li>\n\n\n\n<li>\u5bf9\u65b0\u624b\u800c\u8a00\uff0c<strong>\u4f7f\u7528 <\/strong><strong><a href=\"https:\/\/www.benpay.com\/defi-earn\/\">DeFi \u6536\u76ca\u805a\u5408\u5668<\/a><\/strong><strong>\uff08\u5982 BenPay DeFi \u8d5a\u5e01\uff09\u662f\u66f4\u53cb\u597d\u3001\u4f4e\u95e8\u69db\u7684\u53c2\u4e0e\u65b9\u5f0f<\/strong><\/li>\n<\/ul>\n<\/blockquote>\n\n\n\n<p>\u5728\u4f20\u7edf\u91d1\u878d\u4e16\u754c\uff0c\u6211\u4eec\u7684\u8d44\u91d1\u5f80\u5f80\u6c89\u7761\u5728\u4f4e\u606f\u50a8\u84c4\u8d26\u6237\u4e2d\uff0c\u800c\u94f6\u884c\u5374\u7528\u6211\u4eec\u7684\u5b58\u6b3e\u8d5a\u53d6\u4e30\u539a\u5229\u6da6\u3002DeFi\uff08\u53bb\u4e2d\u5fc3\u5316\u91d1\u878d\uff09\u7684\u8bde\u751f\u5f7b\u5e95\u6539\u53d8\u4e86\u8fd9\u4e00\u683c\u5c40\uff0c\u5b83\u8ba9\u4efb\u4f55\u62e5\u6709\u4e92\u8054\u7f51\u8fde\u63a5\u7684\u4eba\u90fd\u80fd\u76f4\u63a5\u6210\u4e3a\u201c\u94f6\u884c\u672c\u8eab\u201d\uff0c\u901a\u8fc7\u591a\u79cd\u521b\u65b0\u673a\u5236\u8ba9\u52a0\u5bc6\u8d44\u4ea7\u6301\u7eed\u4ea7\u751f\u6536\u76ca\u3002\u672c\u6587\u5c06\u4e3a\u60a8\u7cfb\u7edf\u89e3\u6790 <strong>DeFi \u8d5a\u5e01<\/strong>\u7684\u6838\u5fc3\u903b\u8f91\u3001\u4e3b\u6d41\u65b9\u5f0f\u53ca\u4ee5 <strong><a href=\"https:\/\/www.benpay.com\/defi-earn\/\">BenPay DeFi \u8d5a\u5e01<\/a><\/strong>\u4e3a\u4f8b\u7684\u5b89\u5168\u5b9e\u8df5\uff0c\u4e3a\u60a8\u5f00\u542f\u901a\u5f80\u91d1\u878d\u81ea\u4e3b\u4e4b\u8def\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u4e00\uff1aDeFi \u8d5a\u5e01\u7684\u6536\u76ca\u4ece\u54ea\u91cc\u6765\uff1f\u5b89\u5168\u5417\uff1f<\/h2>\n\n\n\n<p>\u7b80\u5355\u6765\u8bf4\uff0c\u60a8\u5728 DeFi \u4e2d\u8d5a\u53d6\u7684\u6bcf\u4e00\u5206\u94b1\uff0c\u90fd\u4e0d\u662f\u51ed\u7a7a\u4ea7\u751f\u7684\u201c\u6570\u5b57\u6e38\u620f\u201d\u3002\u5b83\u4e0e\u73b0\u5b9e\u4e2d\u4e00\u6837\uff0c\u662f\u57fa\u4e8e\u201c\u8c01\u63d0\u4f9b\u4ef7\u503c\uff0c\u8c01\u5c31\u83b7\u5f97\u56de\u62a5\u201d\u7684\u7ecf\u6d4e\u539f\u5219\u3002\u60a8\u7684\u6536\u76ca\uff0c\u662f\u60a8\u4e3a\u6574\u4e2a\u53bb\u4e2d\u5fc3\u5316\u7f51\u7edc\u63d0\u4f9b\u4e86\u5173\u952e\u670d\u52a1\u540e\uff0c\u6240\u83b7\u5f97\u7684\u6e05\u6670\u3001\u900f\u660e\u7684\u5e02\u573a\u56de\u62a5\u3002<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>\u63d0\u4f9b\u6d41\u52a8\u6027\uff1a\u6210\u4e3a\u201c\u81ea\u52a8\u5316\u505a\u5e02\u5546\u201d\uff0c\u8d5a\u53d6\u4ea4\u6613\u624b\u7eed\u8d39<\/strong> <br>\u5f53\u60a8\u5c06\u8d44\u4ea7\uff08\u4f8b\u5982\u7b49\u503c\u7684 USDC \u548c ETH\uff09\u5b58\u5165\u4e00\u4e2a\u4ea4\u6613\u6c60\u65f6\uff0c\u60a8\u5c31\u76f8\u5f53\u4e8e\u5728\u4e00\u4e2a\u4eba\u4eba\u53ef\u7528\u7684\u201c\u516c\u5171\u4ea4\u6613\u5e02\u573a\u201d\u91cc\u5f00\u8bbe\u4e86\u4e00\u4e2a\u65e0\u4eba\u503c\u5b88\u7684\u5151\u6362\u7a97\u53e3\u3002\u60a8\u5b58\u5165\u7684\u8d44\u91d1\u4e3a\u5176\u4ed6\u7528\u6237\u63d0\u4f9b\u4e86\u5373\u65f6\u4e70\u5356\u7684\u4fbf\u5229\uff0c\u8ba9\u5e02\u573a\u8fd0\u884c\u66f4\u987a\u7545\u3002\u4f5c\u4e3a\u56de\u62a5\uff0c\u8be5\u4ea4\u6613\u6c60\u4ea7\u751f\u7684\u6bcf\u4e00\u7b14\u624b\u7eed\u8d39\uff0c\u90fd\u4f1a\u6309\u60a8\u6295\u5165\u8d44\u91d1\u7684\u6bd4\u4f8b\u81ea\u52a8\u5206\u914d\u7ed9\u60a8\u3002\u6c60\u5b50\u4ea4\u6613\u8d8a\u6d3b\u8dc3\uff0c\u60a8\u7684\u201c\u5206\u7ea2\u201d\u5c31\u8d8a\u591a\u3002\u8fd9\u662f\u5c06\u60a8\u7684\u95f2\u7f6e\u8d44\u4ea7\u8f6c\u5316\u4e3a\u751f\u4ea7\u6027\u8d44\u672c\uff0c\u76f4\u63a5\u53c2\u4e0e\u5230\u5e02\u573a\u6d3b\u52a8\u4e2d\u3002<\/li>\n\n\n\n<li><strong>\u51fa\u501f\u8d44\u4ea7\uff1a\u626e\u6f14\u201c\u666e\u60e0\u94f6\u884c\u201d\u89d2\u8272\uff0c\u8d5a\u53d6\u501f\u8d37\u5229\u606f<\/strong> <br>\u60a8\u53ef\u4ee5\u5c06\u6682\u65f6\u4e0d\u7528\u7684\u7a33\u5b9a\u5e01\u7b49\u8d44\u4ea7\u5b58\u5165 Compound\u3001Aave \u7b49\u501f\u8d37\u534f\u8bae\u3002\u8fd9\u76f8\u5f53\u4e8e\u60a8\u628a\u94b1\u5b58\u8fdb\u4e86\u4e00\u4e2a\u7531\u4ee3\u7801\u81ea\u52a8\u8fd0\u884c\u7684\u201c\u5168\u7403\u94f6\u884c\u201d\uff0c\u800c\u8fd9\u4e2a\u201c\u94f6\u884c\u201d\u4f1a\u5c06\u5176\u501f\u7ed9\u6709\u9700\u6c42\u7684\u501f\u6b3e\u4eba\u3002\u60a8\u8d5a\u53d6\u7684\u5229\u606f\u7531\u5b9e\u65f6\u5e02\u573a\u4f9b\u9700\u51b3\u5b9a\uff1a\u501f\u7684\u4eba\u591a\uff0c\u5229\u7387\u5c31\u9ad8\u3002\u6574\u4e2a\u8fc7\u7a0b\u4e2d\uff0c\u501f\u6b3e\u901a\u5e38\u91c7\u7528\u8d85\u989d\u62b5\u62bc\u548c\u81ea\u52a8\u6e05\u7b97\u673a\u5236\u6765\u63a7\u5236\u98ce\u9669\uff0c\u4f46\u5728\u6781\u7aef\u884c\u60c5\u3001\u9884\u8a00\u673a\u5f02\u5e38\u6216\u94fe\u4e0a\u62e5\u5835\u60c5\u51b5\u4e0b\uff0c\u6e05\u7b97\u53ef\u80fd\u5ef6\u8fdf\uff0c\u56e0\u6b64\u4ecd\u5b58\u5728\u7cfb\u7edf\u6027\u751a\u81f3\u574f\u8d26\u98ce\u9669\u3002<\/li>\n\n\n\n<li><strong>\u53c2\u4e0e\u7f51\u7edc\u5b89\u5168\uff1a\u901a\u8fc7\u201c\u8d28\u62bc\u201d\u6210\u4e3a\u7f51\u7edc\u7ef4\u62a4\u8005\uff0c\u83b7\u5f97\u7cfb\u7edf\u5956\u52b1<\/strong> <br>\u5728\u4ee5\u592a\u574a\u3001Solana \u7b49\u91c7\u7528\u6743\u76ca\u8bc1\u660e\uff08PoS\uff09\u673a\u5236\u7684\u533a\u5757\u94fe\u4e2d\uff0c\u7f51\u7edc\u7684\u5b89\u5168\u548c\u7a33\u5b9a\u8fd0\u884c\u4f9d\u8d56\u4e8e\u5927\u91cf\u4ee3\u5e01\u6301\u6709\u8005\u7684\u201c\u8d28\u62bc\u201d\u884c\u4e3a\u3002\u5f53\u60a8\u5c06\u4ee3\u5e01\uff08\u5982ETH\uff09\u8fdb\u884c\u8d28\u62bc\u65f6\uff0c\u60a8\u5b9e\u8d28\u4e0a\u662f\u7528\u81ea\u5df1\u7684\u8d44\u4ea7\u4e3a\u7f51\u7edc\u7684\u53ef\u9760\u8fd0\u884c\u63d0\u4f9b\u62c5\u4fdd\u548c\u6295\u7968\u3002\u4f5c\u4e3a\u60a8\u5bf9\u7f51\u7edc\u5b89\u5168\u505a\u51fa\u8d21\u732e\u7684\u5956\u52b1\uff0c\u6536\u76ca\u6765\u81ea\u533a\u5757\u5956\u52b1\uff08\u901a\u80c0\u53d1\u884c\uff09\u548c\u7f51\u7edc\u4ea4\u6613\u624b\u7eed\u8d39\u5206\u914d\u3002\u8fd9\u65e2\u662f\u6295\u8d44\uff0c\u4e5f\u662f\u4e00\u79cd\u5171\u5efa\u7f51\u7edc\u57fa\u7840\u8bbe\u65bd\u7684\u884c\u4e3a\u3002\u82e5\u9a8c\u8bc1\u8282\u70b9\u8fd0\u884c\u5f02\u5e38\u6216\u4f5c\u6076\uff0c\u8d28\u62bc\u8d44\u4ea7\u53ef\u80fd\u88ab\u90e8\u5206\u7f5a\u6ca1\uff08Slashing\uff09\u3002<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\">DeFi \u8d5a\u5e01\u6536\u76ca\u7684\u5e95\u5c42\u7ecf\u6d4e\u903b\u8f91<\/h3>\n\n\n\n<p>\u65e0\u8bba\u662f\u6d41\u52a8\u6027\u624b\u7eed\u8d39\u3001\u501f\u8d37\u5229\u606f\u8fd8\u662f\u8d28\u62bc\u5956\u52b1\uff0c<strong>DeFi \u6536\u76ca\u7684\u672c\u8d28\u90fd\u6765\u81ea\u201c\u4ed6\u4eba\u7684\u8d44\u91d1\u4f7f\u7528\u9700\u6c42\u201d\u548c\u201c\u7f51\u7edc\u8fd0\u884c\u9700\u6c42\u201d<\/strong>\u3002\u53ea\u8981\u94fe\u4e0a\u4ea4\u6613\u3001\u501f\u8d37\u3001\u5bf9\u51b2\u548c\u8d44\u4ea7\u914d\u7f6e\u6d3b\u52a8\u5b58\u5728\uff0c\u6536\u76ca\u673a\u4f1a\u5c31\u4f1a\u5b58\u5728\u3002<\/p>\n\n\n\n<p>\u4f46\u540c\u6837\u9700\u8981\u7406\u89e3\u7684\u662f\uff1a\u5f53\u5e02\u573a\u6d3b\u8dc3\u5ea6\u4e0b\u964d\u3001\u6760\u6746\u9700\u6c42\u51cf\u5f31\u65f6\uff0c\u6574\u4f53\u6536\u76ca\u6c34\u5e73\u4e5f\u4f1a\u540c\u6b65\u56de\u843d\u3002\u56e0\u6b64\uff0cDeFi \u6536\u76ca\u5e76\u975e\u56fa\u5b9a\u5229\u7387\u4ea7\u54c1\uff0c\u800c\u662f\u968f\u5e02\u573a\u73af\u5883\u53d8\u5316\u7684<strong>\u6d6e\u52a8\u56de\u62a5<\/strong>\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u4e8c\uff1aDeFi \u8d5a\u5e01 vs. \u4f20\u7edf\u91d1\u878d\uff0c\u6709\u4ec0\u4e48\u533a\u522b\uff1f<\/h2>\n\n\n\n<p>\u5728\u4f20\u7edf\u91d1\u878d\u4f53\u7cfb\u4e2d\uff0c\u6211\u4eec\u7684\u8d44\u91d1\u5229\u7528\u6548\u7387\u5f80\u5f80\u53d7\u9650\u4e8e\u65f6\u95f4\u548c\u6d41\u7a0b\u3002\u800cDeFi\uff08\u53bb\u4e2d\u5fc3\u5316\u91d1\u878d\uff09\u7684\u51fa\u73b0\uff0c\u6b63\u901a\u8fc7\u533a\u5757\u94fe\u6280\u672f\u91cd\u6784\u201c\u8d5a\u94b1\u201d\u7684\u903b\u8f91\uff0c\u5c06\u8d44\u91d1\u4ece\u201c\u4f11\u7720\u8d44\u4ea7\u201d\u8f6c\u5316\u4e3a\u201c\u5b9e\u65f6\u751f\u606f\u7684\u751f\u4ea7\u529b\u8d44\u672c\u201d\u3002\u7406\u89e3\u4e24\u8005\u7684\u6838\u5fc3\u533a\u522b\uff0c\u662f\u638c\u63e1\u4e0b\u4e00\u4ee3\u91d1\u878d\u673a\u4f1a\u7684\u5173\u952e\u3002<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u4f20\u7edf\u91d1\u878d<\/strong>\u5c31\u50cf\u5c06\u94b1\u5b58\u5165\u4e00\u4e2a\u5927\u578b\u5c01\u95ed\u6c34\u5e93\u3002\u6c34\uff08\u8d44\u91d1\uff09\u7684\u6d41\u52a8\u7531\u7ba1\u7406\u5458\uff08\u94f6\u884c\uff09\u4e25\u683c\u63a7\u5236\uff0c\u4f60\u9700\u8981\u7533\u8bf7\u624d\u80fd\u7528\u6c34\u53d1\u7535\uff08\u83b7\u53d6\u6536\u76ca\uff09\uff0c\u4e14\u6548\u7387\u53d6\u51b3\u4e8e\u7ba1\u7406\u5458\u7684\u8c03\u5ea6\u901f\u5ea6\u3002<\/li>\n\n\n\n<li><strong>DeFi<\/strong><strong>\u8d5a\u5e01<\/strong>\u5219\u5c06\u8d44\u91d1\u653e\u5165\u4e00\u4e2a\u900f\u660e\u3001\u4e92\u8054\u7684\u667a\u80fd\u6c34\u7f51\u3002\u6bcf\u4e00\u6ef4\u6c34\uff08\u8d44\u4ea7\uff09\u7684\u52a8\u5411\u90fd\u6e05\u6670\u53ef\u89c1\uff0c\u4f60\u53ef\u4ee5\u901a\u8fc7\u667a\u80fd\u5408\u7ea6\u81ea\u52a8\u5c06\u6c34\u5f15\u6d41\u5230\u6700\u9700\u8981\u7684\u5730\u65b9\uff08\u5982\u501f\u8d37\u3001\u63d0\u4f9b\u6d41\u52a8\u6027\uff09\uff0c\u5b9e\u65f6\u83b7\u5f97\u56de\u62a5\uff0c\u5e76\u80fd\u81ea\u7531\u7ec4\u5408\u5404\u79cd\u7ba1\u9053\uff08\u534f\u8bae\uff09\u6765\u6700\u5927\u5316\u6c34\u529b\uff08\u8d44\u91d1\uff09\u5229\u7528\u6548\u7387\u3002<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\u6838\u5fc3\u533a\u522b\u5bf9\u6bd4<\/h3>\n\n\n\n<p>\u4e3a\u4e86\u66f4\u76f4\u89c2\u7406\u89e3\u4e24\u5957\u91d1\u878d\u4f53\u7cfb\u5728\u8fd0\u884c\u903b\u8f91\u4e0a\u7684\u5dee\u5f02\uff0c\u6211\u4eec\u53ef\u4ee5\u4ece\u4e2d\u4ecb\u7ed3\u6784\u3001\u8d44\u91d1\u6240\u6709\u6743\u3001\u6536\u76ca\u5f62\u6210\u65b9\u5f0f\u548c\u900f\u660e\u5ea6\u7b49\u6838\u5fc3\u7ef4\u5ea6\u8fdb\u884c\u5bf9\u6bd4\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\">\u7ef4\u5ea6<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u4f20\u7edf\u91d1\u878d (TradFi)<\/td><td class=\"has-text-align-left\" data-align=\"left\">DeFi \u8d5a\u5e01 (\u53bb\u4e2d\u5fc3\u5316\u91d1\u878d)<\/td><\/tr><tr><td>1. \u4e2d\u4ecb\u4e0e\u6743\u9650<\/td><td>\u4e2d\u5fc3\u5316\u63a7\u5236\uff1a\u4f9d\u8d56\u94f6\u884c\u3001\u5238\u5546\u3001\u57fa\u91d1\u516c\u53f8\u7b49\u53d7\u4fe1\u4efb\u4e2d\u4ecb\u3002\u9700\u8981\u5f00\u6237\u3001\u5ba1\u6838\u3001\u9075\u5b88\u8425\u4e1a\u65f6\u95f4\u3002<\/td><td>\u65e0\u9700\u8bb8\u53ef\uff1a\u5168\u7403\u4efb\u4f55\u4eba\u51ed\u4e00\u4e2a\u94b1\u5305\u5730\u5740\u5373\u53ef7&#215;24\u5c0f\u65f6\u8bbf\u95ee\uff0c\u65e0\u9700\u8eab\u4efd\u5ba1\u6838\u6216\u5730\u7406\u9650\u5236\u3002<\/td><\/tr><tr><td>2. \u8d44\u91d1\u6240\u6709\u6743\u4e0e\u6d41\u8f6c<\/td><td>\u6258\u7ba1\u5f0f\uff1a\u8d44\u91d1\u5b58\u5165\u673a\u6784\uff0c\u7531\u673a\u6784\u4ee3\u4e3a\u7ba1\u7406\u3001\u6295\u8d44\u3002\u60a8\u4fe1\u4efb\u5176\u5b89\u5168\u4e0e\u5408\u89c4\u3002<\/td><td>\u81ea\u6211\u6258\u7ba1\uff1a\u8d44\u4ea7\u59cb\u7ec8\u7531\u7528\u6237\u901a\u8fc7\u79c1\u94a5\u5b8c\u5168\u638c\u63a7\uff0c\u76f4\u63a5\u4e0e\u667a\u80fd\u5408\u7ea6\u4ea4\u4e92\uff0c\u5b9e\u73b0\u201c\u8d44\u4ea7\u5728\u94fe\uff0c\u751f\u606f\u5728\u94fe\u201d\u3002<\/td><\/tr><tr><td>3. \u6536\u76ca\u6765\u6e90\u4e0e\u6548\u7387<\/td><td>\u95f4\u63a5\u3001\u5206\u5c42\uff1a\u6536\u76ca\u4e3b\u8981\u6765\u81ea\u5229\u5dee\uff08\u50a8\u84c4\uff09\u3001\u80a1\u606f\u6216\u8d44\u672c\u5229\u5f97\uff08\u6295\u8d44\uff09\u3002\u8d44\u91d1\u5212\u8f6c\u548c\u7ed3\u7b97\u6162\uff0c\u5b58\u5728\u201c\u95f2\u7f6e\u671f\u201d\u3002<\/td><td>\u76f4\u63a5\u3001\u9ad8\u6548\uff1a\u6536\u76ca\u4e3b\u8981\u6765\u81ea\u534f\u8bae\u6fc0\u52b1\uff08\u6d41\u52a8\u6027\u6316\u77ff\uff09\u548c\u7f51\u7edc\u4f7f\u7528\u8d39\uff08\u501f\u8d37\u5229\u5dee\u3001\u4ea4\u6613\u624b\u7eed\u8d39\uff09\u3002\u8d44\u4ea7\u53ef\u65e0\u7f1d\u3001\u5b9e\u65f6\u5730\u53c2\u4e0e\u591a\u79cd\u751f\u606f\u7b56\u7565\uff0c\u5b9e\u73b0\u201c\u79d2\u7ea7\u590d\u5229\u201d\u3002<\/td><\/tr><tr><td>4. \u4ea7\u54c1\u900f\u660e\u5ea6<\/td><td>\u4e0d\u900f\u660e\uff1a\u6295\u8d44\u7ec4\u5408\u7684\u5177\u4f53\u6784\u6210\u3001\u5e95\u5c42\u8d44\u4ea7\u548c\u98ce\u9669\u72b6\u51b5\u5f80\u5f80\u62ab\u9732\u590d\u6742\uff0c\u666e\u901a\u4eba\u96be\u4ee5\u6838\u5b9e\u3002<\/td><td>\u5b8c\u5168\u900f\u660e\uff1a\u6240\u6709\u667a\u80fd\u5408\u7ea6\u4ee3\u7801\u3001\u8d44\u91d1\u6c60\u89c4\u6a21\u3001\u5229\u7387\u53d8\u5316\u548c\u5386\u53f2\u4ea4\u6613\u8bb0\u5f55\u5747\u516c\u5f00\u5728\u94fe\u4e0a\uff0c\u53ef\u4f9b\u4efb\u4f55\u4eba\u5b9e\u65f6\u5ba1\u8ba1\u3002<\/td><\/tr><tr><td>5. \u521b\u65b0\u901f\u5ea6\u4e0e\u53ef\u7ec4\u5408\u6027<\/td><td>\u7f13\u6162\u3001\u5b64\u5c9b\uff1a\u65b0\u4ea7\u54c1\u5f00\u53d1\u5468\u671f\u957f\uff0c\u4e0d\u540c\u673a\u6784\u95f4\u4ea7\u54c1\u96be\u4ee5\u76f4\u63a5\u7ec4\u5408\u8054\u52a8\u3002<\/td><td>\u5feb\u901f\u3001\u4e50\u9ad8\u5f0f\uff1a\u4e0d\u540c DeFi \u534f\u8bae\uff08\u5982\u501f\u8d37\u3001\u4ea4\u6613\u3001\u884d\u751f\u54c1\uff09\u53ef\u4ee5\u50cf\u4e50\u9ad8\u79ef\u6728\u4e00\u6837\u65e0\u7f1d\u7ec4\u5408\uff0c\u50ac\u751f\u51fa\u590d\u6742\u7684\u81ea\u52a8\u5316\u6536\u76ca\u7b56\u7565\uff08\u5982\u201c\u6536\u76ca\u519c\u8015\u201d\uff09\u3002<\/td><\/tr><tr><td>6. \u53c2\u4e0e\u95e8\u69db\u4e0e\u5168\u7403\u5316<\/td><td>\u6709\u95e8\u69db\u3001\u533a\u57df\u5316\uff1a\u901a\u5e38\u9700\u8981\u6700\u4f4e\u8d77\u6295\u91d1\u989d\uff0c\u5e76\u53d7\u672c\u56fd\u6cd5\u89c4\u548c\u91d1\u878d\u57fa\u7840\u8bbe\u65bd\u9650\u5236\u3002<\/td><td>\u6781\u4f4e\u95e8\u69db\u3001\u5168\u7403\u5316\uff1a\u5f80\u5f80\u53ef\u4ee5\u6781\u5c11\u91cf\u8d44\u4ea7\uff08\u59821\u7f8e\u5143\uff09\u5f00\u59cb\u53c2\u4e0e\uff0c\u5e76\u7acb\u5373\u63a5\u5165\u5168\u7403\u7edf\u4e00\u7684\u91d1\u878d\u5e02\u573a\u3002<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/01\/Traditional-Finance-vs.-DeFi-Earning-683x1024.png\" alt=\"Traditional Finance vs. DeFi Earning\" class=\"wp-image-1283\" style=\"width:600px\"\/><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\">\u4e09\uff1aDeFi \u8d5a\u5e01\u6709\u54ea\u4e9b\u65b9\u5f0f\uff1f\u65b0\u624b\u8be5\u9009\u54ea\u4e00\u79cd\uff1f<\/h2>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>\u501f\u8d37\u751f\u606f\uff08Lending\uff09\u2014\u2014 \u626e\u6f14\u201c\u94f6\u884c\u201d\u89d2\u8272<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u8fd0\u4f5c\u65b9\u5f0f<\/strong>\uff1a\u5728 Compound\u3001Aave \u7b49\u53bb\u4e2d\u5fc3\u5316\u501f\u8d37\u534f\u8bae\u4e2d\u5b58\u5165\u52a0\u5bc6\u8d44\u4ea7\uff08\u5982 USDC\u3001ETH\uff09\uff0c\u8d44\u4ea7\u4f1a\u8fdb\u5165\u8d44\u91d1\u6c60\u4f9b\u501f\u6b3e\u4eba\u4f7f\u7528\uff0c\u60a8\u4f5c\u4e3a\u51fa\u501f\u4eba\u83b7\u5f97\u6d6e\u52a8\u5229\u606f\u6536\u76ca\u3002\u5229\u7387\u7531\u5e02\u573a\u4f9b\u9700\u51b3\u5b9a\uff0c\u7a33\u5b9a\u5e01\u901a\u5e38\u9700\u6c42\u66f4\u9ad8\uff0c\u6536\u76ca\u76f8\u5bf9\u7a33\u5b9a\u3002<\/li>\n\n\n\n<li><strong>\u9002\u5408\u4eba\u7fa4<\/strong>\uff1a\u5e0c\u671b\u95f2\u7f6e\u8d44\u4ea7\u4ea7\u751f\u73b0\u91d1\u6d41\u3001\u504f\u597d\u76f8\u5bf9\u7a33\u5065\u7b56\u7565\u7684\u7528\u6237\u3002<\/li>\n\n\n\n<li><strong>\u98ce\u9669\u8981\u70b9<\/strong>\uff1a\u667a\u80fd\u5408\u7ea6\u6f0f\u6d1e\u3001\u6e05\u7b97\u673a\u5236\u5f02\u5e38\u3001\u6781\u7aef\u884c\u60c5\u5bfc\u81f4\u7684\u6d41\u52a8\u6027\u98ce\u9669\u3002<\/li>\n<\/ul>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>\u8d28\u62bc\uff08Staking\uff09\u2014\u2014 \u6700\u57fa\u7840\u7684\u201c\u5b58\u6b3e\u751f\u606f\u201d<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u8fd0\u4f5c\u65b9\u5f0f<\/strong>\uff1a\u5c06\u7279\u5b9a\u4ee3\u5e01\uff08\u5982 ETH 2.0\u3001SOL \u7b49\uff09\u9501\u5b9a\u5728\u534f\u8bae\u4e2d\uff0c\u4ee5\u5e2e\u52a9\u9a8c\u8bc1\u4ea4\u6613\u3001\u7ef4\u62a4\u7f51\u7edc\u5b89\u5168\u3002\u4f5c\u4e3a\u56de\u62a5\uff0c\u6536\u76ca\u4e3b\u8981\u6765\u81ea\u533a\u5757\u5956\u52b1\uff08\u901a\u80c0\u53d1\u884c\uff09\u4ee5\u53ca\u7f51\u7edc\u4ea4\u6613\u624b\u7eed\u8d39\u5206\u914d\u3002<\/li>\n\n\n\n<li><strong>\u9002\u5408\u4eba\u7fa4<\/strong>\uff1a\u957f\u671f\u6301\u6709\u67d0\u4e3b\u6d41\u4ee3\u5e01\uff0c\u5e76\u770b\u597d\u5176\u751f\u6001\u53d1\u5c55\u7684\u6295\u8d44\u8005\u3002<\/li>\n\n\n\n<li><strong>\u98ce\u9669\u63d0\u793a<\/strong>\uff1a\u90e8\u5206\u534f\u8bae\u6709\u9501\u5b9a\u671f\uff0c\u5e02\u573a\u4e0b\u8dcc\u65f6\u65e0\u6cd5\u7acb\u5373\u5356\u51fa\uff1b\u5b58\u5728\u667a\u80fd\u5408\u7ea6\u6f0f\u6d1e\u98ce\u9669\u3002<\/li>\n<\/ul>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>\u6d41\u52a8\u6027\u6316\u77ff\uff08Liquidity Mining\uff09\u2014\u2014 \u6210\u4e3a\u201c\u505a\u5e02\u5546\u201d\u8d5a\u53d6\u591a\u91cd\u6536\u76ca<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u8fd0\u4f5c\u65b9\u5f0f<\/strong>\uff1a\u5411\u53bb\u4e2d\u5fc3\u5316\u4ea4\u6613\u6240\uff08\u5982 Uniswap\u3001Curve\uff09\u7684\u4ea4\u6613\u6c60\u4e2d\u6309\u6bd4\u4f8b\u5b58\u5165\u4e24\u79cd\u4ee3\u5e01\uff08\u5982 ETH\/USDC\uff09\uff0c\u4e3a\u4ea4\u6613\u63d0\u4f9b\u6d41\u52a8\u6027\u3002\u60a8\u5c06\u83b7\u5f97\uff1a\u4ea4\u6613\u624b\u7eed\u8d39\u5206\u6210\u3001\u534f\u8bae\u6fc0\u52b1\u5956\u52b1\u3001\u5e02\u573a\u5957\u5229\u884c\u4e3a\u5e26\u6765\u7684\u4ef7\u683c\u5e73\u8861\u6536\u76ca\u3002<\/li>\n\n\n\n<li><strong>\u9002\u5408\u4eba\u7fa4<\/strong>\uff1a\u613f\u610f\u627f\u62c5\u4e00\u5b9a\u5e02\u573a\u98ce\u9669\uff0c\u8ffd\u6c42\u66f4\u9ad8\u7ec4\u5408\u56de\u62a5\u7684\u8fdb\u9636\u7528\u6237\u3002<\/li>\n\n\n\n<li><strong>\u98ce\u9669\u63d0\u793a<\/strong>\uff1a\u65e0\u5e38\u635f\u5931 \u2014\u2014 \u5f53\u6c60\u4e2d\u4e24\u79cd\u4ee3\u5e01\u4ef7\u683c\u6bd4\u7387\u5267\u70c8\u6ce2\u52a8\u65f6\uff0c\u76f8\u8f83\u4e8e\u5355\u7eaf\u6301\u6709\u8d44\u4ea7\u53ef\u80fd\u4ea7\u751f\u7684\u6682\u65f6\u6027\u4e8f\u635f\u3002\u7a33\u5b9a\u5e01\u5bf9\u53ef\u4ee5\u663e\u8457\u964d\u4f4e\u4ef7\u683c\u6ce2\u52a8\u5e26\u6765\u7684\u65e0\u5e38\u635f\u5931\uff0c\u4f46\u4ecd\u53ef\u80fd\u56e0\u7a33\u5b9a\u5e01\u8131\u951a\u6216\u673a\u5236\u5f02\u5e38\u800c\u4ea7\u751f\u98ce\u9669\u3002<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\u4ece\u5355\u4e00\u6536\u76ca\u65b9\u5f0f\u5230\u7b56\u7565\u7ec4\u5408\uff1a\u6536\u76ca\u805a\u5408\u5668\u7684\u51fa\u73b0<\/h3>\n\n\n\n<p>\u5f53\u501f\u8d37\u3001\u8d28\u62bc\u3001\u6d41\u52a8\u6027\u6316\u77ff\u7b49\u673a\u5236\u5f00\u59cb\u88ab\u7ec4\u5408\u3001\u8de8\u94fe\u8c03\u5ea6\u3001\u81ea\u52a8\u590d\u6295\u65f6\uff0c\u5355\u4e00\u534f\u8bae\u5df2\u96be\u4ee5\u8986\u76d6\u6700\u4f18\u8def\u5f84\u3002\u56e0\u6b64\uff0c<strong><a href=\"https:\/\/www.benpay.com\/defi-earn\/\">DeFi \u6536\u76ca\u805a\u5408\u5668\uff08DeFi Yield Aggregator\uff09<\/a><\/strong> \u5e94\u8fd0\u800c\u751f\u3002\u8fd9\u7c7b\u5de5\u5177\u8ba9\u7528\u6237\u5728\u4e0d\u76f4\u63a5\u53c2\u4e0e\u590d\u6742\u64cd\u4f5c\u7684\u60c5\u51b5\u4e0b\uff0c\u95f4\u63a5\u53c2\u4e0e\u6536\u76ca\u8015\u4f5c\u3002<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/02\/DeFi-Crypto-Earn-Methods-Beginner-Friendly-Options-1024x683.png\" alt=\"DeFi Crypto Earn Methods &amp; Beginner Friendly Options\" class=\"wp-image-1287\" style=\"width:600px\"\/><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\">\u56db\uff1aDeFi \u8d5a\u5e01\u65b9\u5f0f\u5bf9\u6bd4<\/h2>\n\n\n\n<p>\u4e0d\u540c DeFi \u8d5a\u5e01\u65b9\u5f0f\u5728\u6536\u76ca\u6765\u6e90\u3001\u98ce\u9669\u7ed3\u6784\u548c\u64cd\u4f5c\u95e8\u69db\u4e0a\u5b58\u5728\u660e\u663e\u5dee\u5f02\u3002\u8d28\u62bc\u66f4\u504f\u5411\u7f51\u7edc\u5c42\u6536\u76ca\uff0c\u501f\u8d37\u751f\u606f\u4f9d\u8d56\u8d44\u91d1\u5e02\u573a\u4f9b\u9700\uff0c\u6d41\u52a8\u6027\u6316\u77ff\u5c5e\u4e8e\u6536\u76ca\u8015\u4f5c\u7684\u4e00\u90e8\u5206\uff0c\u6536\u76ca\u4e0e\u5e02\u573a\u6d3b\u8dc3\u5ea6\u76f8\u5173\uff0c\u800c\u6536\u76ca\u805a\u5408\u5668\u5219\u901a\u8fc7<strong>\u81ea\u52a8\u5316\u7b56\u7565\u6574\u5408\u591a\u79cd\u6536\u76ca\u6765\u6e90<\/strong>\uff0c<strong>\u964d\u4f4e\u7528\u6237\u53c2\u4e0e\u590d\u6742\u7b56\u7565\u7684\u64cd\u4f5c\u95e8\u69db<\/strong>\u3002<\/p>\n\n\n\n<p>\u4e3a\u4e86\u66f4\u76f4\u89c2\u7406\u89e3\u4e0d\u540c\u65b9\u5f0f\u7684\u6536\u76ca\u7ed3\u6784\u4e0e\u98ce\u9669\u5c42\u7ea7\uff0c\u53ef\u4ee5\u53c2\u8003\u4e0b\u8868\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">\u65b9\u5f0f<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u76f8\u5bf9\u6536\u76ca\u7a33\u5b9a\u6027<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u64cd\u4f5c\u590d\u6742\u5ea6<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u4e3b\u8981\u98ce\u9669<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u65b0\u624b\u53cb\u597d\u5ea6<\/td><\/tr><tr><td>\u8d28\u62bc<\/td><td>\u4e2d<\/td><td>\u4f4e<\/td><td>\u9501\u4ed3\u671f\u3001\u5e01\u4ef7\u6ce2\u52a8<\/td><td>\u4f4e<\/td><\/tr><tr><td>\u501f\u8d37\u751f\u606f<\/td><td>\u9ad8<\/td><td>\u4f4e<\/td><td>\u5408\u7ea6\u98ce\u9669<\/td><td>\u4e2d<\/td><\/tr><tr><td>\u6d41\u52a8\u6027\u6316\u77ff<\/td><td>\u4e2d\u2013\u9ad8<\/td><td>\u9ad8<\/td><td>\u65e0\u5e38\u635f\u5931<\/td><td>\u65e0<\/td><\/tr><tr><td>DeFi \u6536\u76ca\u805a\u5408\u5668\uff08BenPay\uff09<\/td><td>\u9ad8<\/td><td>\u6781\u4f4e<\/td><td>\u534f\u8bae\u7ec4\u5408\u98ce\u9669<\/td><td>\u9ad8<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">\u4e94\uff1a\u4e3a\u4ec0\u4e48\u65b0\u624b\u66f4\u9002\u5408\u7528\u805a\u5408\u5668\u53c2\u4e0e\uff1f<\/h2>\n\n\n\n<p>\u968f\u7740 DeFi \u534f\u8bae\u6570\u91cf\u589e\u52a0\u548c\u6536\u76ca\u7b56\u7565\u590d\u6742\u5316\uff0c\u5355\u4e00\u534f\u8bae\u5df2\u96be\u4ee5\u8986\u76d6\u6700\u4f73\u6536\u76ca\u8def\u5f84\u3002\u7528\u6237\u5f80\u5f80\u9700\u8981\u5728\u4e0d\u540c\u94fe\u548c\u534f\u8bae\u95f4\u9891\u7e41\u8c03\u914d\u8d44\u91d1\uff0c\u8fd9\u79cd\u884c\u4e3a\u672c\u8d28\u4e0a\u5c31\u662f\u201c\u6536\u76ca\u8015\u4f5c\u201d\u3002\u800c\u6536\u76ca\u8015\u4f5c\u7684\u6838\u5fc3\u96be\u70b9\u4e0d\u5728\u6536\u76ca\u83b7\u53d6\uff0c\u800c\u5728\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u591a\u94fe\u94b1\u5305\u7ba1\u7406<\/li>\n\n\n\n<li>Gas \u8d39\u6210\u672c\u9ad8<\/li>\n\n\n\n<li>\u534f\u8bae\u9009\u62e9\u56f0\u96be<\/li>\n\n\n\n<li>\u98ce\u9669\u5206\u6563\u96be\u5ea6\u5927<\/li>\n<\/ul>\n\n\n\n<p>\u800c <strong>DeFi \u6536\u76ca\u805a\u5408\u5668<\/strong>\u6b63\u662f\u4e3a\u89e3\u51b3\u8fd9\u4e9b\u75db\u70b9\u800c\u751f\uff0c\u8ba9\u65b0\u624b\u8f7b\u677e\u53c2\u4e0e\u6536\u76ca\u8015\u4f5c\uff0c<strong>\u964d\u4f4e\u64cd\u4f5c\u96be\u5ea6\u4e0e\u6f5c\u5728\u98ce\u9669<\/strong>\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u516d\uff1aBenPay DeFi \u8d5a\u5e01\uff1a\u91cd\u65b0\u5b9a\u4e49 DeFi \u53c2\u4e0e\u65b9\u5f0f\uff0c\u8ba9\u7a33\u5065\u6536\u76ca\u4e00\u952e\u76f4\u8fbe<\/h2>\n\n\n\n<p>BenPay DeFi \u8d5a\u5e01\u662f\u4e00\u79cd <strong>DeFi \u6536\u76ca\u805a\u5408\u5668<\/strong>\uff0c\u901a\u8fc7<strong>\u6574\u5408\u591a\u94fe\u5934\u90e8\u534f\u8bae<\/strong>\uff0c\u4e3a\u7528\u6237\u63d0\u4f9b<strong>\u4f4e\u95e8\u69db<\/strong>\u3001<strong>\u53ef\u6309\u7b56\u7565\u590d\u6295<\/strong>\u7684\u7a33\u5b9a\u5e01\u6536\u76ca\u65b9\u6848\u3002\u5b83\u901a\u8fc7\u6781\u81f4\u7684\u4ea7\u54c1\u8bbe\u8ba1\uff0c\u5c06\u591a\u94fe DeFi \u534f\u8bae\u6574\u5408\u4e3a\u4e00\u4e2a\u7edf\u4e00\u4e14\u7b80\u5355\u7684\u5165\u53e3\uff0c\u8ba9\u7528\u6237\u65e0\u9700\u6210\u4e3a\u6280\u672f\u4e13\u5bb6\uff0c\u4e5f\u80fd\u5b89\u5168\u3001\u4fbf\u6377\u5730\u4eab\u53d7\u94fe\u4e0a\u6536\u76ca\u3002<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>DeFi \u53c2\u4e0e\u7684\u6838\u5fc3\u75db\u70b9\u4e0e BenPay \u7684\u89e3\u51b3\u65b9\u6848<\/li>\n<\/ol>\n\n\n\n<p>\u4f20\u7edf DeFi 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