{"id":1349,"date":"2026-02-06T16:02:40","date_gmt":"2026-02-06T08:02:40","guid":{"rendered":"https:\/\/www.benpay.com\/blog\/?p=1349"},"modified":"2026-02-06T16:02:43","modified_gmt":"2026-02-06T08:02:43","slug":"defi-yield-guide-risks-apy-strategies","status":"publish","type":"post","link":"https:\/\/www.benpay.com\/blog\/index.php\/zh\/defi-yield-guide-risks-apy-strategies\/","title":{"rendered":"DeFi \u6536\u76ca\u5168\u89e3\u6790\uff1a\u9ad8 APY \u80cc\u540e\u7684\u98ce\u9669\u3001\u673a\u5236\u4e0e\u7ba1\u7406\u7b56\u7565"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">\u5f15\u8a00\uff1a\u9ad8 APY \u80cc\u540e\uff0cDeFi \u6536\u76ca\u771f\u6b63\u7684\u98ce\u9669\u662f\u4ec0\u4e48\uff1f<\/h2>\n\n\n\n<p>DeFi \u6536\u76ca\uff08DeFi Yield\uff09\u6b63\u5728\u6210\u4e3a\u52a0\u5bc6\u7528\u6237\u5173\u6ce8\u7684\u6838\u5fc3\u8bdd\u9898\u3002\u76f8\u6bd4\u4f20\u7edf\u94f6\u884c\u50a8\u84c4\uff0c<strong>\u7a33\u5b9a\u5e01 DeFi \u6536\u76ca\uff08stablecoin DeFi yield\uff09<\/strong> \u5f80\u5f80\u80fd\u63d0\u4f9b\u66f4\u9ad8\u7684\u5e74\u5316\u56de\u62a5\u7387\uff08APY\uff09\uff0c\u8fd9\u5438\u5f15\u5927\u91cf\u7528\u6237\u53c2\u4e0e <strong>DeFi \u94fe\u4e0a\u6536\u76ca<\/strong>\uff0c\u5c1d\u8bd5\u901a\u8fc7\u94fe\u4e0a\u65b9\u5f0f\u83b7\u53d6\u88ab\u52a8\u6536\u5165\u3002<\/p>\n\n\n\n<p>\u4f46\u73b0\u5b9e\u662f\uff0c\u8bb8\u591a\u4eba\u5bf9 DeFi \u6536\u76ca\u7684\u7406\u89e3\u4ecd\u505c\u7559\u5728 APY \u6570\u5b57\u672c\u8eab<strong>\uff0c\u5374\u5ffd\u89c6\u4e86 DeFi \u6536\u76ca\u98ce\u9669<\/strong>\u80cc\u540e\u7684\u590d\u6742\u7ed3\u6784\u3002\u672c\u6587\u5c06\u7cfb\u7edf\u68b3\u7406<strong>\u4ec0\u4e48\u662f DeFi \u6536\u76ca\u3001DeFi \u7684 APY \u662f\u5982\u4f55\u8ba1\u7b97\u7684\u3001DeFi \u6536\u76ca\u6709\u54ea\u4e9b\u4e3b\u8981\u98ce\u9669\uff0c\u4ee5\u53ca\u5982\u4f55\u901a\u8fc7\u66f4\u5408\u7406\u7684\u4ea7\u54c1\u8bbe\u8ba1\u4e0e DeFi \u6536\u76ca\u98ce\u9669\u7ba1\u7406\uff0c<\/strong>\u964d\u4f4e\u4e0d\u5fc5\u8981\u7684\u4e0d\u786e\u5b9a\u6027\uff0c\u5e2e\u52a9\u4f60\u5bf9 DeFi \u6536\u76ca\u5f62\u6210\u66f4\u5168\u9762\u3001\u7406\u6027\u7684\u8ba4\u77e5\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u4ec0\u4e48\u662f DeFi \u6536\u76ca\uff1f<\/h2>\n\n\n\n<p>DeFi \u6536\u76ca\u662f\u6307\u5c06\u52a0\u5bc6\u8d44\u4ea7\uff08\u4e3b\u8981\u662f\u7a33\u5b9a\u5e01\uff09\u90e8\u7f72\u5230\u53bb\u4e2d\u5fc3\u5316\u91d1\u878d\uff08DeFi\uff09\u534f\u8bae\u4e2d\uff0c\u901a\u8fc7\u667a\u80fd\u5408\u7ea6\u5728\u94fe\u4e0a\u81ea\u52a8\u8fd0\u884c\uff0c\u4ece\u800c\u83b7\u53d6\u6301\u7eed\u6536\u76ca\u3002\u4e0e\u4f20\u7edf\u91d1\u878d\u4e0d\u540c\uff0cDeFi \u6536\u76ca\u4e0d\u4f9d\u8d56\u4e2d\u5fc3\u5316\u673a\u6784\u64ae\u5408\u6216\u4eba\u5de5\u7ba1\u7406\uff0c\u800c\u662f\u7531\u4ee3\u7801\u548c\u5e02\u573a\u673a\u5236\u5171\u540c\u9a71\u52a8\u3002\u5e38\u89c1\u7684 DeFi \u6536\u76ca\u6765\u6e90\u4e3b\u8981\u5305\u62ec\u4ee5\u4e0b\u51e0\u7c7b\uff1a<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>\u501f\u8d37\u5229\u606f<\/li>\n<\/ol>\n\n\n\n<p>\u501f\u8d37\u5229\u606f\u662f\u76ee\u524d\u6700\u5e38\u89c1\u3001\u4e5f\u662f\u76f8\u5bf9\u5bb9\u6613\u7406\u89e3\u7684 DeFi \u6536\u76ca\u6765\u6e90\u3002\u7528\u6237\u5c06\u7a33\u5b9a\u5e01\u5b58\u5165\u53bb\u4e2d\u5fc3\u5316\u501f\u8d37\u534f\u8bae\u4e2d\uff08\u5982 Aave\u3001Compound \u7b49\uff09\uff0c\u8fd9\u4e9b\u8d44\u4ea7\u4f1a\u88ab\u501f\u7ed9\u6709\u9700\u6c42\u7684\u501f\u6b3e\u65b9\u3002\u501f\u6b3e\u4eba\u9700\u652f\u4ed8\u5229\u606f\uff0c\u800c\u8fd9\u90e8\u5206\u5229\u606f\u6309\u6bd4\u4f8b\u5206\u914d\u7ed9\u8d44\u91d1\u63d0\u4f9b\u8005\u3002<\/p>\n\n\n\n<p>\u5229\u7387\u7531<strong>\u5e02\u573a\u4f9b\u9700<\/strong>\u51b3\u5b9a\uff1a\u5f53\u501f\u6b3e\u9700\u6c42\u4e0a\u5347\u65f6\uff0c\u5229\u7387\u63d0\u9ad8\uff1b\u5f53\u8d44\u91d1\u5145\u88d5\u65f6\uff0c\u5229\u7387\u4e0b\u964d\u3002\u8fd9\u7c7b\u6536\u76ca\u901a\u5e38<strong>\u6ce2\u52a8\u76f8\u5bf9\u53ef\u63a7\u3001\u903b\u8f91\u6e05\u6670<\/strong>\uff0c\u56e0\u6b64\u88ab\u89c6\u4e3a DeFi \u4e2d\u98ce\u9669\u8f83\u4f4e\u7684\u4e00\u79cd\u6536\u76ca\u5f62\u5f0f\u3002<\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li>\u534f\u8bae\u6536\u5165\u5206\u6210<\/li>\n<\/ol>\n\n\n\n<p>\u90e8\u5206 DeFi \u534f\u8bae\u4f1a\u5c06\u81ea\u8eab\u4ea7\u751f\u7684\u534f\u8bae\u6536\u5165\u5206\u914d\u7ed9\u53c2\u4e0e\u8005\u3002\u534f\u8bae\u6536\u5165\u53ef\u80fd\u6765\u81ea\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u501f\u8d37\u5229\u5dee<\/li>\n\n\n\n<li>\u4ea4\u6613\u624b\u7eed\u8d39<\/li>\n\n\n\n<li>\u6e05\u7b97\u8d39\u7528<\/li>\n\n\n\n<li>\u7cfb\u7edf\u670d\u52a1\u8d39<\/li>\n<\/ul>\n\n\n\n<p>\u5728\u8fd9\u79cd\u6a21\u5f0f\u4e0b\uff0c\u7528\u6237\u5e76\u975e\u5355\u7eaf\u201c\u501f\u51fa\u8d44\u91d1\u201d\uff0c\u800c\u662f<strong>\u53c2\u4e0e\u534f\u8bae\u672c\u8eab\u7684\u7ecf\u6d4e\u6d3b\u52a8<\/strong>\uff0c\u95f4\u63a5\u5206\u4eab\u534f\u8bae\u589e\u957f\u6240\u5e26\u6765\u7684\u6536\u76ca\u3002\u8fd9\u7c7b DeFi \u6536\u76ca\u901a\u5e38\u4e0e\u534f\u8bae\u7684\u4f7f\u7528\u7387\u3001\u4ea4\u6613\u91cf\u548c\u6574\u4f53\u751f\u6001\u6d3b\u8dc3\u5ea6\u5bc6\u5207\u76f8\u5173\uff0c\u6536\u76ca\u7a33\u5b9a\u6027\u53d6\u51b3\u4e8e<strong>\u534f\u8bae\u7684\u957f\u671f\u8fd0\u8425\u80fd\u529b<\/strong>\u3002<\/p>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li>\u6d41\u52a8\u6027\u4f18\u5316<\/li>\n<\/ol>\n\n\n\n<p>\u6d41\u52a8\u6027\u4f18\u5316\u662f\u6307\u901a\u8fc7\u667a\u80fd\u8def\u7531\u6216\u7b56\u7565\u805a\u5408\uff0c\u5c06\u7528\u6237\u8d44\u91d1\u81ea\u52a8\u5206\u914d\u81f3\u591a\u4e2a DeFi \u534f\u8bae\u6216\u8d44\u91d1\u6c60\u4e2d\uff0c\u4ee5\u83b7\u53d6\u66f4\u4f18\u7684\u7efc\u5408\u6536\u76ca\u3002\u8fd9\u7c7b\u7b56\u7565\u7684\u6838\u5fc3\u76ee\u6807\u662f\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5728\u4e0d\u540c\u534f\u8bae\u95f4\u52a8\u6001\u8c03\u914d\u8d44\u91d1<\/li>\n\n\n\n<li>\u63d0\u9ad8\u8d44\u91d1\u5229\u7528\u7387<\/li>\n\n\n\n<li>\u964d\u4f4e\u56e0\u5355\u4e00\u5e02\u573a\u53d8\u5316\u5e26\u6765\u7684\u6536\u76ca\u6ce2\u52a8<\/li>\n<\/ul>\n\n\n\n<p>\u76f8\u6bd4\u5355\u4e00\u534f\u8bae\u5b58\u6b3e\uff0c\u6d41\u52a8\u6027\u4f18\u5316\u66f4\u5f3a\u8c03<strong>\u7b56\u7565\u5c42\u9762\u7684\u7ba1\u7406\u80fd\u529b<\/strong>\uff0c\u901a\u5e38\u7531<strong>\u81ea\u52a8\u5316\u5408\u7ea6\u6301\u7eed\u6267\u884c<\/strong>\uff0c\u800c\u975e\u7528\u6237\u624b\u52a8\u64cd\u4f5c\u3002<\/p>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li>\u7ed3\u6784\u5316\u6536\u76ca\u7b56\u7565<\/li>\n<\/ol>\n\n\n\n<p>\u7ed3\u6784\u5316\u6536\u76ca\u7b56\u7565\u662f DeFi \u4e2d\u76f8\u5bf9\u590d\u6742\u7684\u4e00\u7c7b\u6536\u76ca\u6765\u6e90\uff0c\u901a\u5e38\u7ed3\u5408\u591a\u79cd\u94fe\u4e0a\u5de5\u5177\u4e0e\u5e02\u573a\u673a\u5236\uff0c\u4f8b\u5982\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u501f\u8d37 + \u5bf9\u51b2<\/li>\n\n\n\n<li>\u73b0\u8d27\u4e0e\u884d\u751f\u54c1\u7684\u5957\u5229\u7ed3\u6784<\/li>\n\n\n\n<li>\u6536\u76ca\u589e\u5f3a\u578b\u7a33\u5b9a\u5e01\u7b56\u7565<\/li>\n<\/ul>\n\n\n\n<p>\u8fd9\u7c7b\u7b56\u7565\u5f80\u5f80\u901a\u8fc7\u63a7\u5236\u98ce\u9669\u655e\u53e3\u3001\u9501\u5b9a\u6536\u76ca\u533a\u95f4\uff0c\u6765\u83b7\u53d6\u76f8\u5bf9\u7a33\u5b9a\u7684\u56de\u62a5\u3002\u5176\u8fd0\u4f5c\u903b\u8f91\u66f4\u52a0\u590d\u6742\uff0c\u5bf9\u667a\u80fd\u5408\u7ea6\u8bbe\u8ba1\u548c\u98ce\u9669\u7ba1\u7406\u8981\u6c42\u8f83\u9ad8\uff0c\u56e0\u6b64<strong>\u6536\u76ca\u6f5c\u529b\u4e0e\u98ce\u9669\u6c34\u5e73\u901a\u5e38\u9ad8\u4e8e\u57fa\u7840\u501f\u8d37\u7c7b\u7b56\u7565<\/strong>\u3002<\/p>\n\n\n\n<p>\u7b80\u5355\u6765\u8bf4\uff0cDeFi \u6536\u76ca\u5e76\u975e\u5355\u4e00\u6a21\u5f0f\uff0c\u800c\u662f\u7531\u591a\u79cd\u94fe\u4e0a\u91d1\u878d\u6d3b\u52a8\u5171\u540c\u6784\u6210\u3002\u4e0e\u4e2d\u5fc3\u5316\u5e73\u53f0\u4e0d\u540c\uff0c\u6240\u6709 DeFi \u6536\u76ca\u7684\u751f\u6210\u3001\u8d44\u4ea7\u6d41\u5411\u548c\u6536\u76ca\u5206\u914d<strong>\u90fd\u53d1\u751f\u5728\u94fe\u4e0a\uff0c\u53ef\u88ab\u4efb\u4f55\u4eba\u9a8c\u8bc1\u548c\u8ffd\u8e2a<\/strong>\u3002\u8fd9\u79cd\u900f\u660e\u6027\u4e0d\u4ec5\u964d\u4f4e\u4e86\u4fe1\u606f\u4e0d\u5bf9\u79f0\uff0c\u4e5f\u4e3a\u7528\u6237\u7406\u89e3\u98ce\u9669\u6765\u6e90\u548c\u6536\u76ca\u7ed3\u6784\u63d0\u4f9b\u4e86\u57fa\u7840\u3002<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/02\/How-DeFi-Yield-Is-Generated-1024x682.png\" alt=\"How-DeFi-Yield-Is-Generated\" class=\"wp-image-1342\" style=\"width:600px\" srcset=\"https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/02\/How-DeFi-Yield-Is-Generated-1024x682.png 1024w, https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/02\/How-DeFi-Yield-Is-Generated-300x200.png 300w, https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/02\/How-DeFi-Yield-Is-Generated-768x512.png 768w, https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/02\/How-DeFi-Yield-Is-Generated.png 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\">DeFi APY \u662f\u5982\u4f55\u8ba1\u7b97\u7684\uff1f\u4e3a\u4ec0\u4e48\u4f1a\u9891\u7e41\u53d8\u5316\uff1f<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">APY \u7684\u542b\u4e49<\/h3>\n\n\n\n<p>APY\uff08Annual Percentage Yield\uff0c\u5e74\u5316\u6536\u76ca\u7387\uff09\u8868\u793a\u5728\u590d\u5229\u8ba1\u7b97\u65b9\u5f0f\u4e0b\uff0c\u4e00\u5e74\u5185\u8d44\u4ea7\u53ef\u80fd\u83b7\u5f97\u7684\u7efc\u5408\u56de\u62a5\u7387\u3002\u5728\u53bb\u4e2d\u5fc3\u5316\u91d1\u878d\uff08DeFi\uff09\u4e2d\uff0cAPY \u5e76\u4e0d\u662f\u7531\u5e73\u53f0\u4eba\u5de5\u8bbe\u5b9a\u7684\u56fa\u5b9a\u6570\u503c\uff0c\u800c\u662f<strong>\u7531\u94fe\u4e0a\u4f9b\u9700\u5173\u7cfb\u548c\u534f\u8bae\u89c4\u5219\u5b9e\u65f6\u51b3\u5b9a<\/strong>\uff0c<strong>\u8fd9\u4e5f\u662f DeFi APY \u4e3a\u4ec0\u4e48\u4f1a\u53d8\u5316\u8fd9\u4e48\u5feb\u7684\u539f\u56e0<\/strong>\u3002\u5177\u4f53\u6765\u8bf4\uff0cDeFi \u6536\u76ca APY \u4e3b\u8981\u53d7\u4ee5\u4e0b\u51e0\u4e2a\u6838\u5fc3\u56e0\u7d20\u5f71\u54cd\uff1a<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>\u501f\u8d37\u9700\u6c42<\/li>\n<\/ol>\n\n\n\n<p>\u5728\u501f\u8d37\u578b DeFi \u534f\u8bae\u4e2d\uff0cAPY \u4e0e<strong>\u501f\u6b3e\u9700\u6c42<\/strong>\u9ad8\u5ea6\u76f8\u5173\u3002\u5f53\u5e02\u573a\u4e2d\u6709\u66f4\u591a\u7528\u6237\u9700\u8981\u501f\u5165\u67d0\u79cd\u8d44\u4ea7\uff08\u4f8b\u5982\u7a33\u5b9a\u5e01\u7528\u4e8e\u6760\u6746\u4ea4\u6613\u6216\u6d41\u52a8\u6027\u914d\u7f6e\uff09\u65f6\uff0c\u501f\u6b3e\u5229\u7387\u4f1a\u4e0a\u5347\uff0c\u76f8\u5e94\u5730\uff0c\u8d44\u91d1\u63d0\u4f9b\u8005\u83b7\u5f97\u7684\u6536\u76ca\u4e5f\u4f1a\u63d0\u9ad8\u3002\u53cd\u4e4b\uff0c\u5f53\u501f\u6b3e\u9700\u6c42\u4e0b\u964d\uff0cAPY \u901a\u5e38\u4f1a\u968f\u4e4b\u56de\u843d\u3002<\/p>\n\n\n\n<p>\u8fd9\u4f7f\u5f97 DeFi APY \u5177\u5907\u660e\u663e\u7684<strong>\u5468\u671f\u6027\u7279\u5f81<\/strong>\uff0c\u5f80\u5f80\u5728\u5e02\u573a\u6d3b\u8dc3\u6216\u6ce2\u52a8\u52a0\u5267\u65f6\u4e0a\u5347\uff0c\u5728\u884c\u60c5\u5e73\u7a33\u6216\u4f4e\u8ff7\u65f6\u4e0b\u964d\u3002<\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li>\u8d44\u91d1\u6d41\u52a8\u6027<\/li>\n<\/ol>\n\n\n\n<p>APY \u8fd8\u53d7\u5230<strong>\u8d44\u91d1\u4f9b\u7ed9\u7aef<\/strong>\u7684\u5f71\u54cd\u3002\u5f53\u5927\u91cf\u8d44\u91d1\u540c\u65f6\u6d41\u5165\u67d0\u4e2a\u534f\u8bae\u6216\u8d44\u4ea7\u6c60\u65f6\uff0c\u53ef\u7528\u6d41\u52a8\u6027\u589e\u52a0\uff0c\u534f\u8bae\u4e0d\u518d\u9700\u8981\u901a\u8fc7\u9ad8\u5229\u7387\u5438\u5f15\u5b58\u6b3e\uff0cAPY \u53ef\u80fd\u4e0b\u964d\u3002\u76f8\u53cd\uff0c\u5f53\u8d44\u91d1\u8f83\u4e3a\u7a00\u7f3a\u65f6\uff0c\u534f\u8bae\u5f80\u5f80\u901a\u8fc7\u63d0\u9ad8\u6536\u76ca\u6765\u5438\u5f15\u66f4\u591a\u6d41\u52a8\u6027\u3002<\/p>\n\n\n\n<p>\u56e0\u6b64\uff0c<strong>APY \u672c\u8d28\u4e0a\u53cd\u6620\u4e86\u201c\u8d44\u91d1\u7a00\u7f3a\u5ea6\u201d<\/strong>\uff0c\u800c\u4e0d\u4ec5\u4ec5\u662f\u534f\u8bae\u7684\u6177\u6168\u7a0b\u5ea6\u3002<\/p>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li>\u534f\u8bae\u4f7f\u7528\u7387<\/li>\n<\/ol>\n\n\n\n<p>\u8bb8\u591a DeFi \u534f\u8bae\u90fd\u4f1a\u6839\u636e<strong>\u8d44\u4ea7\u7684\u4f7f\u7528\u7387<\/strong>\uff08\u5373\u5df2\u501f\u51fa\u8d44\u91d1\u5360\u603b\u5b58\u6b3e\u7684\u6bd4\u4f8b\uff09\u6765\u52a8\u6001\u8c03\u6574\u5229\u7387\u6a21\u578b\u3002\u5f53\u4f7f\u7528\u7387\u63a5\u8fd1\u4e0a\u9650\u65f6\uff0c\u534f\u8bae\u4f1a\u663e\u8457\u63d0\u9ad8\u501f\u8d37\u5229\u7387\uff0c\u4ee5\u9f13\u52b1\u66f4\u591a\u8d44\u91d1\u8fdb\u5165\u5e76\u6291\u5236\u8fc7\u5ea6\u501f\u8d37\u884c\u4e3a\u3002<\/p>\n\n\n\n<p>\u8fd9\u610f\u5473\u7740\uff0c\u5f53\u67d0\u4e00\u8d44\u4ea7\u7684\u4f7f\u7528\u7387\u8f83\u9ad8\u65f6\uff0c\u5176 APY \u5f80\u5f80\u4f1a\u51fa\u73b0\u660e\u663e\u4e0a\u5347\uff0c\u4f46\u4e5f\u53ef\u80fd\u4f34\u968f\u66f4\u9ad8\u7684\u6d41\u52a8\u6027\u98ce\u9669\u3002<\/p>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li>\u5e02\u573a\u6ce2\u52a8\u4e0e\u6fc0\u52b1\u673a\u5236<\/li>\n<\/ol>\n\n\n\n<p>\u5e02\u573a\u6ce2\u52a8\u662f\u5f71\u54cd DeFi APY \u7684\u91cd\u8981\u5916\u90e8\u56e0\u7d20\u3002\u5728\u9ad8\u6ce2\u52a8\u73af\u5883\u4e0b\uff0c\u4ea4\u6613\u3001\u5957\u5229\u548c\u6760\u6746\u9700\u6c42\u589e\u52a0\uff0c\u4ece\u800c\u63a8\u9ad8\u501f\u8d37\u9700\u6c42\u4e0e\u6536\u76ca\u6c34\u5e73\u3002<\/p>\n\n\n\n<p>\u6b64\u5916\uff0c\u90e8\u5206\u534f\u8bae\u4f1a\u901a\u8fc7\u4ee3\u5e01\u6fc0\u52b1\u3001\u9636\u6bb5\u6027\u5956\u52b1\u6216\u6d3b\u52a8\u8865\u8d34\u6765\u77ed\u671f\u63d0\u9ad8 APY\u3002\u8fd9\u7c7b\u6536\u76ca\u5728\u65e9\u671f\u53ef\u80fd\u770b\u8d77\u6765\u975e\u5e38\u5438\u5f15\u4eba\uff0c\u4f46<strong>\u5f80\u5f80\u4e0d\u53ef\u6301\u7eed<\/strong>\uff0c\u4e00\u65e6\u6fc0\u52b1\u51cf\u5c11\uff0c\u5b9e\u9645\u6536\u76ca\u4f1a\u8fc5\u901f\u56de\u5f52\u5e02\u573a\u6c34\u5e73\u3002<\/p>\n\n\n\n<p>\u7efc\u5408\u6765\u770b\uff0cDeFi \u6536\u76ca APY \u662f\u4e00\u4e2a<strong>\u52a8\u6001\u6307\u6807<\/strong>\uff0c\u53cd\u6620\u7684\u662f\u5f53\u524d\u5e02\u573a\u6761\u4ef6\u4e0b\u7684\u9884\u671f\u5e74\u5316\u56de\u62a5\uff0c\u800c\u975e\u957f\u671f\u627f\u8bfa\u3002\u5b83\u53ef\u80fd\u5728\u77ed\u65f6\u95f4\u5185\u5927\u5e45\u6ce2\u52a8\uff0c\u4e5f\u53ef\u80fd\u968f\u7740\u5e02\u573a\u53d8\u5316\u800c\u9010\u6b65\u8c03\u6574\u3002\u56e0\u6b64\uff0c\u5173\u6ce8<strong>APY \u80cc\u540e\u7684\u6765\u6e90\u3001\u6301\u7eed\u6027\u4ee5\u53ca\u5bf9\u5e94\u7684\u98ce\u9669\u7ed3\u6784\uff0c<\/strong>\u6bd4\u5355\u7eaf\u8ffd\u6c42\u9ad8\u6570\u5b57\u66f4\u52a0\u91cd\u8981\u3002<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/02\/What-Drives-DeFi-APY-1024x682.png\" alt=\"\" class=\"wp-image-1343\" style=\"width:600px\" srcset=\"https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/02\/What-Drives-DeFi-APY-1024x682.png 1024w, https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/02\/What-Drives-DeFi-APY-300x200.png 300w, https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/02\/What-Drives-DeFi-APY-768x512.png 768w, https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/02\/What-Drives-DeFi-APY.png 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<h3 class=\"wp-block-heading\">\u5e38\u89c1 DeFi \u6536\u76ca \u4e0e APY \u533a\u95f4<\/h3>\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\">\u6536\u76ca\u7c7b\u578b<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u5e38\u89c1 APY \u533a\u95f4<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u6536\u76ca\u6765\u6e90<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u4e3b\u8981\u98ce\u9669<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u501f\u8d37\u578b DeFi \u6536\u76ca<\/td><td class=\"has-text-align-center\" data-align=\"center\">2%\u20136%<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u501f\u8d37\u5229\u606f<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u5229\u7387\u6ce2\u52a8\u3001\u5408\u7ea6\u98ce\u9669<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u6d41\u52a8\u6027\u4f18\u5316\u7b56\u7565<\/td><td class=\"has-text-align-center\" data-align=\"center\">4%\u201310%<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u591a\u534f\u8bae\u8c03\u5ea6<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u6d41\u52a8\u6027\u4e0e\u8d4e\u56de\u98ce\u9669<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u7ed3\u6784\u5316\u6536\u76ca\u7b56\u7565<\/td><td class=\"has-text-align-center\" data-align=\"center\">6%\u201312%<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u5bf9\u51b2 \/ \u5957\u5229<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u7b56\u7565\u590d\u6742\u5ea6\u3001\u6a21\u578b\u98ce\u9669<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u9ad8\u6fc0\u52b1\u578b\u7b56\u7565<\/td><td class=\"has-text-align-center\" data-align=\"center\">10%+<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u4ee3\u5e01\u8865\u8d34<\/td><td class=\"has-text-align-center\" data-align=\"center\">APY \u4e0d\u53ef\u6301\u7eed<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/02\/Yield-Level-vs-Risk-Level-in-DeFi-1024x682.png\" alt=\"\" class=\"wp-image-1344\" style=\"width:600px\" srcset=\"https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/02\/Yield-Level-vs-Risk-Level-in-DeFi-1024x682.png 1024w, https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/02\/Yield-Level-vs-Risk-Level-in-DeFi-300x200.png 300w, https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/02\/Yield-Level-vs-Risk-Level-in-DeFi-768x512.png 768w, https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/02\/Yield-Level-vs-Risk-Level-in-DeFi.png 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\">DeFi \u6536\u76ca\u6709\u54ea\u4e9b\u4e3b\u8981\u98ce\u9669\uff1f<\/h2>\n\n\n\n<p>\u5728\u7406\u89e3 DeFi \u6536\u76ca\u8fd0\u4f5c\u673a\u5236\u4e4b\u540e\uff0c\u4e00\u4e2a\u7ed5\u4e0d\u5f00\u7684\u95ee\u9898\u662f\uff1a<strong>DeFi \u6536\u76ca\u6709\u54ea\u4e9b\u98ce\u9669\uff1f<\/strong> \u4e0e\u4f20\u7edf\u7406\u8d22\u4ea7\u54c1\u4e0d\u540c\uff0cDeFi \u6536\u76ca\u7684\u98ce\u9669\u5e76\u975e\u96c6\u4e2d\u5728\u5355\u4e00\u70b9\uff0c\u800c\u662f\u5206\u5e03\u5728\u667a\u80fd\u5408\u7ea6\u5b89\u5168\u3001\u6d41\u52a8\u6027\u4e0e\u8d4e\u56de\u673a\u5236\u3001\u6536\u76ca\u53ef\u6301\u7eed\u6027\uff0c\u4ee5\u53ca\u7528\u6237\u81ea\u8eab\u7684\u64cd\u4f5c\u884c\u4e3a\u7b49\u591a\u4e2a\u5c42\u9762\uff0c\u7406\u89e3\u8fd9\u4e9b\u98ce\u9669\uff0c\u5e76\u4e0d\u610f\u5473\u7740\u56de\u907f DeFi\uff0c\u800c\u662f\u5e2e\u52a9\u4f60\u5224\u65ad\u54ea\u4e9b\u98ce\u9669\u662f\u53ef\u63a5\u53d7\u7684\u3002<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>\u667a\u80fd\u5408\u7ea6\u98ce\u9669<\/li>\n<\/ol>\n\n\n\n<p>DeFi \u6536\u76ca\u7684\u8fd0\u4f5c\u57fa\u7840\u662f<strong>\u667a\u80fd\u5408\u7ea6<\/strong>\u3002\u6240\u6709\u8d44\u91d1\u7684\u5b58\u5165\u3001\u5206\u914d\u3001\u8ba1\u606f\u4e0e\u8d4e\u56de\uff0c\u5747\u7531\u9884\u5148\u90e8\u7f72\u5728\u533a\u5757\u94fe\u4e0a\u7684\u4ee3\u7801\u81ea\u52a8\u6267\u884c\u3002\u4e00\u65e6\u667a\u80fd\u5408\u7ea6\u5b58\u5728\u8bbe\u8ba1\u7f3a\u9677\u3001\u903b\u8f91\u6f0f\u6d1e\u6216\u672a\u9884\u89c1\u7684\u6781\u7aef\u60c5\u51b5\uff0c\u5c31\u53ef\u80fd\u88ab\u653b\u51fb\u8005\u5229\u7528\uff0c\u5bfc\u81f4\u8d44\u4ea7\u635f\u5931\uff0c\u8fd9\u4e5f\u662f\u5f88\u591a\u7528\u6237\u5728\u641c\u7d22\u201c<strong>DeFi \u6536\u76ca\u5b89\u5168\u5417<\/strong>\u201d\u65f6\u6700\u5173\u5fc3\u7684\u6838\u5fc3\u95ee\u9898\u4e4b\u4e00\u3002<\/p>\n\n\n\n<p>\u9700\u8981\u6ce8\u610f\u7684\u662f\uff0c<strong>\u5373\u4f7f\u662f\u5df2\u7ecf\u8fd0\u884c\u591a\u5e74\u7684\u6210\u719f\u534f\u8bae\uff0c\u4e5f\u65e0\u6cd5\u505a\u5230\u201c\u96f6\u98ce\u9669\u201d<\/strong>\u3002\u5386\u53f2\u4e0a\uff0c\u591a\u8d77\u5b89\u5168\u4e8b\u4ef6\u5e76\u975e\u6e90\u4e8e\u6076\u610f\u4ee3\u7801\uff0c\u800c\u662f\u7531\u4e8e\u5408\u7ea6\u590d\u6742\u5ea6\u8fc7\u9ad8\u3001\u534f\u8bae\u5347\u7ea7\u5f15\u5165\u65b0\u53d8\u91cf\uff0c\u6216\u5916\u90e8\u4f9d\u8d56\u7ec4\u4ef6\u51fa\u73b0\u95ee\u9898\u3002\u56e0\u6b64\uff0c\u5ba1\u8ba1\u5e76\u4e0d\u7b49\u540c\u4e8e\u7edd\u5bf9\u5b89\u5168\uff0c\u5b83\u53ea\u80fd\u964d\u4f4e\u800c\u975e\u6d88\u9664\u98ce\u9669\u3002<\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li>\u6d41\u52a8\u6027\u4e0e\u8d4e\u56de\u98ce\u9669<\/li>\n<\/ol>\n\n\n\n<p>\u5e76\u975e\u6240\u6709 DeFi \u6536\u76ca\u7b56\u7565\u90fd\u652f\u6301\u5373\u65f6\u8d4e\u56de\u3002\u90e8\u5206\u7b56\u7565\u4e3a\u4e86\u63d0\u9ad8\u8d44\u91d1\u5229\u7528\u6548\u7387\uff0c\u4f1a\u8bbe\u5b9a<strong>\u9501\u5b9a\u671f\u3001\u8d4e\u56de\u6392\u961f\u6216\u5ef6\u8fdf\u6e05\u7b97\u673a\u5236<\/strong>\u3002\u5728\u6b63\u5e38\u5e02\u573a\u73af\u5883\u4e0b\uff0c\u8fd9\u7c7b\u8bbe\u8ba1\u5f80\u5f80\u4e0d\u5f71\u54cd\u7528\u6237\u4f53\u9a8c\uff0c\u4f46\u5728\u6781\u7aef\u884c\u60c5\u6216\u6d41\u52a8\u6027\u9aa4\u964d\u65f6\uff0c\u53ef\u80fd\u9650\u5236\u7528\u6237\u5feb\u901f\u9000\u51fa\u3002<\/p>\n\n\n\n<p>\u5f53\u5927\u91cf\u7528\u6237\u540c\u65f6\u8bd5\u56fe\u8d4e\u56de\u8d44\u4ea7\uff0c\u800c\u53ef\u7528\u6d41\u52a8\u6027\u4e0d\u8db3\u65f6\uff0c\u8d4e\u56de\u5ef6\u8fdf\u751a\u81f3\u4e34\u65f6\u6682\u505c\u7684\u98ce\u9669\u5c31\u4f1a\u663e\u73b0\u3002\u8fd9\u79cd\u60c5\u51b5\u5e76\u4e0d\u4e00\u5b9a\u610f\u5473\u7740\u534f\u8bae\u51fa\u73b0\u95ee\u9898\uff0c\u800c\u662f<strong>\u6d41\u52a8\u6027\u7ed3\u6784\u672c\u8eab\u7684\u5ba2\u89c2\u9650\u5236<\/strong>\u3002<\/p>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li>APY \u4e0d\u53ef\u6301\u7eed\u98ce\u9669<\/li>\n<\/ol>\n\n\n\n<p>\u9ad8 APY \u5f80\u5f80\u662f DeFi \u4e2d\u6700\u5438\u5f15\u7528\u6237\u7684\u6307\u6807\u4e4b\u4e00\uff0c\u4f46\u4e5f\u662f\u6700\u5bb9\u6613\u88ab\u8bef\u89e3\u7684\u90e8\u5206\u3002\u90e8\u5206\u9ad8\u6536\u76ca\u6765\u6e90\u4e8e\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u77ed\u671f\u4ee3\u5e01\u6fc0\u52b1<\/li>\n\n\n\n<li>\u65e9\u671f\u8d44\u91d1\u7a00\u7f3a<\/li>\n\n\n\n<li>\u5e02\u573a\u9636\u6bb5\u6027\u5931\u8861<\/li>\n<\/ul>\n\n\n\n<p>\u5f53\u6fc0\u52b1\u7ed3\u675f\u3001\u8d44\u91d1\u89c4\u6a21\u6269\u5927\u6216\u5e02\u573a\u73af\u5883\u53d8\u5316\u65f6\uff0cAPY \u53ef\u80fd\u8fc5\u901f\u4e0b\u964d\u3002<strong>\u5982\u679c\u6536\u76ca\u4e3b\u8981\u4f9d\u8d56\u8865\u8d34\u800c\u975e\u771f\u5b9e\u7ecf\u6d4e\u6d3b\u52a8\uff0c\u5176\u53ef\u6301\u7eed\u6027\u901a\u5e38\u8f83\u5f31<\/strong>\u3002\u5355\u7eaf\u8ffd\u9010\u9ad8 APY\uff0c\u800c\u5ffd\u89c6\u6536\u76ca\u6765\u6e90\uff0c\u5f80\u5f80\u610f\u5473\u7740\u627f\u62c5\u66f4\u9ad8\u7684\u4e0d\u786e\u5b9a\u6027\u548c\u6f5c\u5728\u56de\u64a4\u98ce\u9669\u3002<\/p>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li>\u64cd\u4f5c\u98ce\u9669<\/li>\n<\/ol>\n\n\n\n<p>DeFi \u7684\u6838\u5fc3\u7279\u5f81\u4e4b\u4e00\u662f\u5f00\u653e\u6027\u4e0e\u975e\u6258\u7ba1\u6027\uff0c\u8fd9\u610f\u5473\u7740\u7528\u6237\u5728\u4eab\u6709\u8d44\u4ea7\u5b8c\u5168\u81ea\u4e3b\u63a7\u5236\u6743\u7684\u540c\u65f6\uff0c\u4e5f\u9700\u8981<strong>\u81ea\u884c\u627f\u62c5\u64cd\u4f5c\u51b3\u7b56\u4e0e\u6267\u884c\u7ed3\u679c<\/strong>\u3002\u4e0e\u4e2d\u5fc3\u5316\u5e73\u53f0\u4e0d\u540c\uff0cDeFi 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class=\"wp-block-list\">\n<li>\u9ed1\u5929\u9e45\u4e0e\u7cfb\u7edf\u6027\u98ce\u9669<\/li>\n<\/ol>\n\n\n\n<p>\u9664\u4e86\u4e0a\u8ff0\u53ef\u8bc6\u522b\u7684\u7ed3\u6784\u6027\u98ce\u9669\u5916\uff0cDeFi 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https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/02\/Major-Risks-of-DeFi-Yield-300x200.png 300w, https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/02\/Major-Risks-of-DeFi-Yield-768x512.png 768w, https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/02\/Major-Risks-of-DeFi-Yield.png 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\">DeFi \u6536\u76ca\u9002\u5408\u54ea\u4e9b\u7528\u6237\uff1f<\/h2>\n\n\n\n<p>\u5728\u7406\u89e3 DeFi \u6536\u76ca\u7684\u8fd0\u4f5c\u673a\u5236\u4e0e\u4e3b\u8981\u98ce\u9669\u4e4b\u540e\uff0c\u4e00\u4e2a\u66f4\u73b0\u5b9e\u7684\u95ee\u9898\u662f\uff1a<strong>DeFi \u6536\u76ca\u662f\u5426\u9002\u5408\u6bcf\u4e00\u4f4d\u7528\u6237\uff1f<\/strong> \u4e8b\u5b9e\u4e0a\uff0cDeFi 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\u6536\u76ca\u4e4b\u524d\uff0c\u660e\u786e\u81ea\u8eab\u7684\u4f7f\u7528\u76ee\u6807\u4e0e\u98ce\u9669\u8fb9\u754c\uff0c\u672c\u8eab\u5c31\u662f\u98ce\u9669\u7ba1\u7406\u7684\u91cd\u8981\u7ec4\u6210\u90e8\u5206\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">BenPay DeFi Earn \u5982\u4f55\u6709\u6548\u7ba1\u7406 DeFi \u6536\u76ca\u548c\u98ce\u9669\uff1f<\/h2>\n\n\n\n<p>\u5728\u5145\u5206\u7406\u89e3 DeFi \u6536\u76ca\u7684\u8fd0\u4f5c\u65b9\u5f0f\u548c\u4e3b\u8981\u98ce\u9669\u540e\uff0c\u5982\u4f55\u901a\u8fc7\u66f4\u5408\u7406\u7684\u4ea7\u54c1\u8bbe\u8ba1\u6765<strong>\u964d\u4f4e\u53c2\u4e0e DeFi \u6536\u76ca\u7684\u64cd\u4f5c\u98ce\u9669<\/strong>\uff0c\u6210\u4e3a\u8bb8\u591a\u7528\u6237\u5173\u6ce8\u7684\u91cd\u70b9\u3002<\/p>\n\n\n\n<p><strong><a href=\"https:\/\/www.benpay.com\/defi-earn\/\">BenPay DeFi \u8d5a\u5e01<\/a><\/strong><strong>\uff08BenPay DeFi Earn\uff09<\/strong>\u7684\u8bbe\u8ba1\u76ee\u6807\uff0c\u5e76\u975e\u6d88\u9664\u6240\u6709\u98ce\u9669\uff0c\u800c\u662f\u901a\u8fc7<strong>\u4e25\u683c\u7b5b\u9009\u3001\u7ed3\u6784\u5316\u8bbe\u8ba1\u4e0e\u6d41\u7a0b\u4f18\u5316<\/strong>\uff0c\u5728\u53ef\u63a7\u8303\u56f4\u5185\u5e2e\u52a9\u7528\u6237\u83b7\u5f97\u66f4\u53ef\u6301\u7eed\u3001\u53ef\u7406\u89e3\u7684\u94fe\u4e0a\u6536\u76ca\u3002<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>\u534f\u8bae\u7b5b\u9009+\u7ed3\u6784\u5316\u63a5\u5165<\/li>\n<\/ol>\n\n\n\n<p>\u7531\u4e8e DeFi \u6536\u76ca\u5b8c\u5168\u4f9d\u8d56\u667a\u80fd\u5408\u7ea6\uff0c<strong>\u667a\u80fd\u5408\u7ea6\u98ce\u9669<\/strong>\u6210\u4e3a\u7528\u6237\u6700\u5173\u6ce8\u7684\u95ee\u9898\u4e4b\u4e00\u3002BenPay DeFi \u8d5a\u5e01\u5c06\u534f\u8bae\u7ea7\u98ce\u9669\u63a7\u5236\u4f5c\u4e3a\u7b2c\u4e00\u9053\u5b89\u5168\u9632\u7ebf\uff0c\u901a\u8fc7\u7edf\u4e00\u7b56\u7565\u63a5\u53e3\u63a5\u5165 DeFi \u534f\u8bae\uff0c\u907f\u514d\u7528\u6237\u76f4\u63a5\u4e0e\u9ad8\u590d\u6742\u5ea6\u6216\u5b9e\u9a8c\u6027\u667a\u80fd\u5408\u7ea6\u4ea4\u4e92\u3002<\/p>\n\n\n\n<p>\u540c\u65f6\uff0c\u5bf9\u63a5\u5165\u7684 DeFi \u534f\u8bae\u8fdb\u884c\u591a\u7ef4\u5ea6\u7b5b\u9009\uff0c\u7cbe\u9009\u84dd\u7b79\u534f\u8bae\uff0c\u7b5b\u9664\u9ad8\u98ce\u9669\u957f\u5c3e\u8d44\u4ea7\uff0c\u6240\u6709\u667a\u80fd\u5408\u7ea6\u5747\u7531<strong>\u6162\u96fe\uff08SlowMist\uff09<\/strong> \u5ba1\u8ba1\uff0c\u786e\u4fdd\u6536\u76ca\u73af\u5883<strong>\u900f\u660e\u3001\u5b89\u5168\u3002<\/strong><\/p>\n\n\n\n<p>\u4f46\u9700\u8981\u5f3a\u8c03\u7684\u662f\uff0cBenPay \u4e0d\u5bf9\u667a\u80fd\u5408\u7ea6\u98ce\u9669\u4f5c\u51fa\u4efb\u4f55\u201c\u515c\u5e95\u5f0f\u201d\u627f\u8bfa\uff0c\u800c\u662f\u901a\u8fc7\u7b5b\u9009\u4e0e\u7ed3\u6784\u8bbe\u8ba1\uff0c<strong>\u5c3d\u53ef\u80fd\u964d\u4f4e\u975e\u5fc5\u8981\u7684\u6280\u672f\u98ce\u9669\u655e\u53e3<\/strong>\u3002<\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li>\u7b56\u7565\u5206\u5c42+\u4fe1\u606f\u900f\u660e<\/li>\n<\/ol>\n\n\n\n<p>\u4e0d\u540c DeFi \u6536\u76ca\u7b56\u7565\u5728\u6d41\u52a8\u6027\u7ed3\u6784\u4e0a\u5b58\u5728\u672c\u8d28\u5dee\u5f02\u3002BenPay DeFi \u8d5a\u5e01\u4f1a\u5728\u4ea7\u54c1\u5c42\u9762\u660e\u786e\u533a\u5206\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u662f\u5426\u652f\u6301\u5373\u65f6\u8d4e\u56de<\/li>\n\n\n\n<li>\u662f\u5426\u5b58\u5728\u8d4e\u56de\u7b49\u5f85\u671f<\/li>\n\n\n\n<li>\u8d44\u91d1\u9000\u51fa\u6240\u9700\u7684\u9884\u671f\u65f6\u95f4\u8303\u56f4<\/li>\n<\/ul>\n\n\n\n<p>\u901a\u8fc7<strong>\u7b56\u7565\u5206\u5c42\u4e0e\u6e05\u6670\u6807\u6ce8<\/strong>\uff0c\u7528\u6237\u5728\u9009\u62e9\u6536\u76ca\u7b56\u7565\u524d\u5373\u53ef\u7406\u89e3\u6d41\u52a8\u6027\u9650\u5236\uff0c\u4ece\u800c\u6839\u636e\u81ea\u8eab\u8d44\u91d1\u9700\u6c42\u8fdb\u884c\u5408\u7406\u914d\u7f6e\uff0c\u800c\u4e0d\u662f\u5728\u5e02\u573a\u6ce2\u52a8\u65f6\u624d\u88ab\u52a8\u627f\u53d7\u9650\u5236\u3002<\/p>\n\n\n\n<p>\u540c\u65f6\uff0cBenPay \u66f4\u503e\u5411\u4e8e\u4f18\u5148\u5f15\u5165<strong>\u6d41\u52a8\u6027\u7ed3\u6784\u76f8\u5bf9\u6210\u719f\u3001\u652f\u6301\u81ea\u7531\u8d4e\u56de\u7684\u7b56\u7565<\/strong>\uff0c\u907f\u514d\u8fc7\u5ea6\u4f9d\u8d56\u6781\u7aef\u5e02\u573a\u73af\u5883\u4e0b\u624d\u6210\u7acb\u7684\u6d41\u52a8\u6027\u5047\u8bbe\u3002<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"410\" src=\"https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/02\/BenPay-DeFi\u8d5a\u5e01-1024x410.png\" alt=\"\" class=\"wp-image-1352\" style=\"width:600px\" srcset=\"https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/02\/BenPay-DeFi\u8d5a\u5e01-1024x410.png 1024w, https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/02\/BenPay-DeFi\u8d5a\u5e01-300x120.png 300w, https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/02\/BenPay-DeFi\u8d5a\u5e01-768x307.png 768w, https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/02\/BenPay-DeFi\u8d5a\u5e01.png 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li>\u6536\u76ca\u6765\u6e90\u4f18\u5148\u4e8e APY \u6570\u503c<\/li>\n<\/ol>\n\n\n\n<p>BenPay DeFi \u8d5a\u5e01\u5e76\u4e0d\u4ee5\u201c\u6700\u9ad8 APY\u201d\u4f5c\u4e3a\u7b56\u7565\u7b5b\u9009\u6807\u51c6\uff0c\u800c\u662f\u91cd\u70b9\u5173\u6ce8\u6536\u76ca\u662f\u5426\u6765\u81ea<strong>\u771f\u5b9e\u3001\u53ef\u6301\u7eed\u7684\u94fe\u4e0a\u7ecf\u6d4e\u6d3b\u52a8\u3002<\/strong>\u5bf9\u4e8e\u9ad8\u5ea6\u4f9d\u8d56\u77ed\u671f\u6fc0\u52b1\u6216\u8865\u8d34\u7684\u7b56\u7565\uff0cBenPay \u4f1a\u91c7\u53d6\u66f4\u8c28\u614e\u7684\u5f15\u5165\u6807\u51c6\uff0c\u907f\u514d\u7528\u6237\u56e0\u77ed\u671f\u9ad8\u6536\u76ca\u9884\u671f\u800c\u627f\u53d7\u957f\u671f\u56de\u64a4\u98ce\u9669\u3002<\/p>\n\n\n\n<p>\u5728\u4ea7\u54c1\u5c55\u793a\u5c42\u9762\uff0cBenPay \u66f4\u5f3a\u8c03 <strong>APY \u7684\u52a8\u6001\u5c5e\u6027\u4e0e\u533a\u95f4\u8868\u73b0<\/strong>\uff0c\u800c\u975e\u56fa\u5b9a\u627f\u8bfa\u5f0f\u6536\u76ca\uff0c\u5f15\u5bfc\u7528\u6237\u7406\u89e3\u6536\u76ca\u968f\u5e02\u573a\u53d8\u5316\u7684\u5ba2\u89c2\u89c4\u5f8b\u3002<\/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\">\u6295\u8d44\u6807\u7684<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u6536\u76ca\u6765\u6e90<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u53c2\u8003\u5e74\u5316*<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Solana USD<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u4ea4\u6613\u624b\u7eed\u8d39\u3001\u534f\u8bae\u6536\u5165\u3001\u5bf9\u51b2\u7b56\u7565\u6536\u76ca<\/td><td class=\"has-text-align-center\" data-align=\"center\">~13.06%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Aave USDT \/ USDC<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u501f\u8d37\u5229\u606f\uff08\u501f\u6b3e\u4eba\u5229\u606f\u5dee\uff09<\/td><td class=\"has-text-align-center\" data-align=\"center\">~3.38%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Compound USDT \/ USDC<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u501f\u8d37\u5229\u606f\uff08\u534f\u8bae\u6536\u76ca\u5206\u6210\uff09<\/td><td class=\"has-text-align-center\" data-align=\"center\">~3.65%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Morpho USDC \/ USDT<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u501f\u8d37\u5229\u606f\uff08\u673a\u6784\u7ea7 Vault + \u7b97\u6cd5\u914d\u7f6e\uff09<\/td><td class=\"has-text-align-center\" data-align=\"center\">~4.13%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Sky USD<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u534f\u8bae\u7cfb\u7edf\u6027\u6536\u76ca\uff08\u7f8e\u503a + \u94fe\u4e0a\u4fe1\u8d37\uff09<\/td><td class=\"has-text-align-center\" data-align=\"center\">~4%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Ethena USDe<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u73b0\u8d27\u2013\u671f\u8d27\u5957\u5229\uff08Delta-Neutral \u7b56\u7565\uff09<\/td><td class=\"has-text-align-center\" data-align=\"center\">~4.36%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em><strong>*<\/strong>\u5e74\u5316\u6536\u76ca\u7387\u4e3a\u5386\u53f2\u533a\u95f4\u6216\u53c2\u8003\u6c34\u5e73\uff0c\u5b9e\u9645\u6536\u76ca\u4ee5\u94fe\u4e0a\u5b9e\u65f6\u8868\u73b0\u4e3a\u51c6\uff0c\u4e0d\u6784\u6210\u4efb\u4f55\u6536\u76ca\u627f\u8bfa\u3002<\/em><\/p>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li>\u64cd\u4f5c\u7b80\u5316+\u98ce\u9669\u964d\u4f4e<\/li>\n<\/ol>\n\n\n\n<p>BenPay \u901a\u8fc7\u5bf9\u5e95\u5c42 DeFi \u7b56\u7565\u8fdb\u884c\u7cfb\u7edf\u7b80\u5316\uff0c\u5c06\u539f\u672c\u9700\u8981\u591a\u6b65\u5b8c\u6210\u7684\u8de8\u94fe\u8f6c\u8d26\u3001\u8d44\u4ea7\u5151\u6362\u4e0e\u5408\u7ea6\u4ea4\u4e92\u6574\u5408\u4e3a<strong>\u4e00\u952e\u64cd\u4f5c\u6d41\u7a0b<\/strong>\u3002\u5bf9\u7528\u6237\u800c\u8a00\uff0c\u8fd9\u610f\u5473\u7740\u65e0\u9700\u7406\u89e3\u590d\u6742\u7684\u534f\u8bae\u7ec6\u8282\uff0c\u4e5f\u80fd\u5728\u53ef\u63a7\u98ce\u9669\u8303\u56f4\u5185\u53c2\u4e0e DeFi \u6536\u76ca\uff0c\u5927\u5e45\u964d\u4f4e\u56e0\u8bef\u9009\u7f51\u7edc\u3001\u9519\u8bef\u6388\u6743\u6216\u9891\u7e41\u64cd\u4f5c\u5e26\u6765\u7684\u64cd\u4f5c\u4e0e\u7528\u6237\u884c\u4e3a\u98ce\u9669\u3002<\/p>\n\n\n\n<p>\u540c\u65f6\uff0cBenPay \u652f\u6301<strong>\u81ea\u52a8\u590d\u5229\u673a\u5236<\/strong>\uff0c\u6536\u76ca\u5728\u94fe\u4e0a\u81ea\u52a8\u518d\u6295\u5165\uff0c\u65e0\u9700\u7528\u6237\u624b\u52a8\u64cd\u4f5c\u6216\u989d\u5916\u652f\u4ed8\u591a\u6b21 Gas \u8d39\u7528\uff0c\u5728\u63d0\u5347\u8d44\u91d1\u4f7f\u7528\u6548\u7387\u7684\u540c\u65f6\uff0c\u8fdb\u4e00\u6b65\u964d\u4f4e\u64cd\u4f5c\u590d\u6742\u5ea6\u4e0e\u6f5c\u5728\u5931\u8bef\u98ce\u9669\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u603b\u7ed3<\/h2>\n\n\n\n<p>DeFi \u6536\u76ca\u7684\u672c\u8d28\u5e76\u975e\u5355\u7eaf\u8ffd\u6c42\u9ad8 APY\uff0c\u800c\u662f\u5bf9<strong>\u6536\u76ca\u6765\u6e90\u3001\u98ce\u9669\u7ed3\u6784\u4e0e\u8d44\u91d1\u6d41\u52a8\u6027<\/strong>\u7684\u7efc\u5408\u6743\u8861\u3002\u9ad8\u6536\u76ca\u5f80\u5f80\u4f34\u968f\u66f4\u9ad8\u7684\u4e0d\u786e\u5b9a\u6027\uff0c\u771f\u6b63\u7406\u6027\u7684\u53c2\u4e0e\u65b9\u5f0f\uff0c\u4e0d\u662f\u8ffd\u9010\u77ed\u671f\u9ad8\u6536\u76ca\uff0c\u800c\u662f\u9009\u62e9\u7ed3\u6784\u6e05\u6670\u3001\u98ce\u9669\u8fb9\u754c\u660e\u786e\u3001\u6d41\u7a0b\u53ef\u63a7\u7684\u6536\u76ca\u6a21\u5f0f\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u4f60\u5e0c\u671b\u5728\u4e0d\u76f4\u63a5\u9762\u5bf9\u590d\u6742\u94fe\u4e0a\u64cd\u4f5c\u7684\u524d\u63d0\u4e0b\u53c2\u4e0e DeFi \u6536\u76ca\uff0c<strong><a href=\"https:\/\/www.benpay.com\/defi-earn\/\">BenPay DeFi 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