2020 「Defi summer」 Let people see the charm and potential of decentralized Finance , Also let、CeFi For a time, the dispute has become a hot topic .DeFi With high returns 、 No license 、 Unmanaged has captured many encrypted users , More enthusiastic supporters say 「DeFi Must replace CeFi」.
Although there is a conflict between the two , But in a short time, we will not face the binary problem of who wins and who loses , But how to take the advantages of the two to make up for the disadvantages of the two, so as to bring more inclusive finance to ordinary users . This article will start from DeFi/CeFi The concept and advantages and disadvantages of , Head centered trading platform FTX And efficient public chainThe way of cooperation , Talk about the future CeFi And DeFi How to integrate and win-win .
DeFi/CeFi The concept of
CeFi yes Centralized Finance Abbreviation , Chinese is “ Centralized finance ”. In the encryption industry ,CeFi It mainly refers to centralized exchange 、 Centralized lending platform 、 Centralized financial products, etc . But it is not limited to the encryption industry , People often use CeFi Refers to the traditional stock exchange 、 Banks and so on , They are all centralized financial platforms .
DeFi yes Decentralized Finance（ Decentralized Finance ） Abbreviation , It's also called Open Finance（ Open finance ）.DeFi Due to the development of blockchain , Is with the CeFi Relative concept , Decentralized exchange Uniswap、 Decentralized lending applications Compound Are all DeFi The representative agreement of . Compare with CeFi,DeFi Is open 、 License free 、 Anti censorship 、 An open and transparent financial system , Users can 100% Take control of your assets —— The centralized platform cannot operate all the financial behaviors in a dark box .
When we judge whether a financial system is good or bad , One sided view should not be used .DeFi and CeFi advantage 、 Disadvantages vary , Next, we will focus on the centralized exchange / Take the decentralized trading platform as an example to introduce DeFi/CeFi Advantages and disadvantages .
advantage ： Take a centralized exchange as an example , The platform provides users with a smooth trading experience through market makers , In addition, intra platform transactions do not need to go up the chain and pay handling fees and Gas cost . In a centralized system , Low threshold for users , Good experience . what's more , Large centralized exchanges have stable OTC（ OTC transaction ） entrance , Provide users with legal currency deposit .
shortcoming ： User funds are essentially owned by the centralized platform , Users will face the risk of running on the centralized platform all the time . also , Hacker attacks are also constant , If the loss of hacker attack exceeds the limit borne by the centralized platform , Users can't find their own wealth . in addition , When using a centralized platform , Users often encounter data leakage , Swindlers will use detailed data to cheat users , Moreover, local regulatory policies have a great impact on the operation of the platform .
In essence , We can't solve the problem that the centralized platform does evil on its own initiative —— Darkbox operation . Whether it's market manipulation or trading control , We can never avoid the possibility of doing evil .
advantage ： User assets can be centrally stored in decentralized wallets , The wallet is controlled by the user through the private key , All transaction licenses issued by the wallet need to be determined by the user . Users around the world can access it through the Internet DeFi front end , Not affected by Region , And in DeFi All interactions in the world do not require a centralized entity license , Strong resistance to censorship , Policy regulation has little impact on it .
Developers can combine and create new products at will , For example, aggregation transaction agreement .
shortcoming ：DeFi The system has a high threshold for users in the non encryption industry , Very unfriendly . Users need to keep good habits and protect their private key from being obtained by others all the time . Because of decentralization , Most public chain fees and Gas Expensive , Slower , At the same time, due to the closure of each chain , User assets are difficult to DeFi Free circulation in the world .
Decentralized protocol developers do not give priority to the front end of the protocol UI Design and interactive experience , Comparison Web2.0 application , The protocol interface is more complex , Higher operating threshold . Many hackers will also exploit the protocol through the vulnerability of the protocol smart contract to make a profit . It just happened recently Poly Network event , It is the largest profit from hacker attacks in history , exceed 6 Billion dollars were transferred .
adopt Solana Integrate CeFi And DeFi
The above mentioned DeFi When it comes to shortcomings , The problem of handling fees and speed ,Solana The launch of is to hope to pass PoH Consensus mechanism to solve such problems , Truly realize the high-efficiency blockchain under the decentralized framework .
FTX （ Central exchange ） founder SBF He has praised many times in various public speeches 「Solana Blockchain's ability to handle a huge composable ecosystem , It is the most promising blockchain at present 」, meanwhile SBF And I'm doing it , be based on Solana Blockchain builds a Serum ecology .
Serum The first application in ecology is Serum DEX（ Decentralized exchange ）, Users can experience on it 1 Second transaction speed and extremely low handling fee cost . Because the bottom common chain Solana The scalability is high enough and the throughput is high enough , stay Serum DEX Users can enjoy the high-quality services provided by the centralized exchange —— Easily place orders in the order book 、 cancel the order .
Serum DEX Order book interface
besides ,Serum Ecological utilization Solana The advantages of gradually absorb the creativity of more developers , Launched more peripheral platforms . at present Serum Ecology mainly includes Serum DEX、AMM agreement Raydium、 Front end platform Bonfida、 Offline map application Maps.me 2.0、 Master broker agreement Oxygen etc. . meanwhile , The ecology also provides... Endorsed by a basket of stable currencies Serum The primary stability of the ecosystem Serum USD, To help Solana Pricing of assets in the chain .
in addition , When in Solana Used in ecology Phantom In the wallet , We can easily move to FTX. If we are short of SOL（Solana Native token ） As a commission ,Phantom Can seamlessly connect us to FTX Trading on . For users , The threshold of multiple-choice questions is lower , More friendly .
FTX And Solana Our cooperation shows us DeFi and CeFi Another possibility for the future ——CeFi And DeFi The boundaries will become more blurred , The two complement each other and win-win .
In the process ,DeFi It needs to be built on a more efficient blockchain , Help traders use easily, such as CEX The listing mechanism , Reduce the handling fee required by users , Avoid slippage problems , Optimize the user's transaction experience .DeFi Need and CeFi linkage , from CeFi Import more encryption users with real needs , Improve the liquidity of assets in the chain , Reduce user exploration DeFi Threshold .
Believe in the future ,CeFi Must integrate 、 Integrate DeFi The advantages of , By borrowing 、 Mortgage assets and other ways to increase the utilization rate of users' funds , Help users better manage their assets and participate in all aspects of encrypted Finance .
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