Aave (AAVE) là gì?

Aave la mot nen tang cho vay phi tap trung cho phep nguoi dung cho vay tai san ma hoa de kiem lai suat, hoac vay tai san ma hoa bang cach gui tai san khac lam the chap — tat ca deu khong can ngan hang, moi gioi hay thu tuc giay to. Nen tang hoat dong duoi dang tap hop cac chuong trinh may tinh tu dong (goi la hop dong thong minh) tren blockchain Ethereum va nhieu blockchain khac. AAVE la token goc cua nen tang, dung de bo phieu cho cac thay doi va gop phan bao ve he thong.

Aave la gi theo nghia don gian?

Hay tuong tuong mot chiec ket tiet kiem khong lo ma bat ky ai tren the gioi cung co the su dung. Mot so nguoi bo tien vao ket va nhan them mot chut sau mot thoi gian, giong nhu lai suat cua tai khoan tiet kiem. Nhung nguoi khac rut tien tu ket, nhung chi duoc phep neu ho truoc tien khoa mot tai san quy gia cua minh nhu loi cam ket tra lai. Khong co quan ly ngan hang nao quyet dinh ai duoc tham gia — mot bo quy tac viet bang ma lenh xu ly moi thu tu dong va cong bang cho tat ca moi nguoi.

Ve co ban, do chinh la Aave. Tu "Aave" co nghia la "con ma" trong tieng Phan Lan, duoc chon vi he thong huong toi la mot tro ly ro rang, vo hinh hoat dong trong hau truong. Khi nguoi ta noi ve Aave crypto, ho thuong muon noi den ca nen tang lan token AAVE cua no.

Aave hoat dong nhu the nao?

Aave hoat dong thong qua cac pool thanh khoan. Pool thanh khoan giong nhu mot chiec xo chung lon chua mot loai tai san ma hoa nhat dinh. Day la phien ban don gian giai thich tung buoc cach Aave hoat dong:

• Nguoi cho vay (con goi la nguoi gui) bo tai san ma hoa cua ho vao pool. Doi lai, ho nhan lai suat va duoc cap cac "aToken" dac biet, dong vai tro nhu bien lai the hien so tien da gui.
• Nguoi vay rut tai san ma hoa ra khoi pool, nhung ho phai gui truoc gia tri nhieu hon so voi so tien vay. Khoan gui them nay goi la tai san the chap (gia tri quy gia bi khoa nhu mot bao dam).
• Lai suat duoc thiet lap tu dong theo cung va cau. Khi pool gan can kiet vi nhieu nguoi vay, lai suat tang de thu hut them nguoi cho vay.

Vi nguoi vay luon de lai nhieu hon so voi so tien ho lay di, he thong duoc goi la the chap vuot muc. Dieu nay bao ve nguoi cho vay. Neu gia tri tai san the chap cua nguoi vay giam qua nhieu, mot phan se tu dong duoc ban (mot qua trinh goi la thanh ly) de hoan tra khoan vay va giu cho pool an toan. Khong can ai phai doi no — ma lenh xu ly tat ca.

Aave duoc dung de lam gi?

Nguoi dung su dung Aave vi mot so ly do thuc tien:

• Kiem lai suat: Thay vi de tai san ma hoa nam im, nguoi cho vay dua tai san vao hoat dong va kiem duoc loi tuc (loi nhuan tren so tien da gui).
• Vay tien ma khong can ban tai san: Nguoi so huu tai san ma hoa nhung can tien mat co the vay bang cach the chap thay vi ban, nen van giu duoc cac coin goc cua minh.
• Flash loan: Aave noi tieng vi da phat minh ra flash loan, mot khoan vay duoc vay va tra lai trong cung mot giao dich duy nhat. Nghe co ve la, nhung cac nha phat trien co kinh nghiem su dung no cho cac thao tac nang cao chi can tien trong vai giay. Neu khoan vay khong duoc hoan tra ngay lap tuc, toan bo giao dich bi huy bo nhu the no chua bao gio xay ra.

Tat ca dieu nay xay ra ma khong can dien vao mau don, xuat trinh giay to tuy than hay cho duyet. Mien la ban co vi tai san ma hoa va dap ung cac quy tac trong ma lenh, ban co the tham gia.

Ai da tao ra Aave va khi nao?

Aave duoc thanh lap boi Stani Kulechov, mot nha phat trien va doanh nhan nguoi Phan Lan. Anh lan dau ra mat du an vao nam 2017 duoi ten ETHLend, noi moi nguoi ket noi truc tiep de cho vay va di vay. Nam 2018 va 2019, du an duoc xay dung lai va doi ten thanh Aave, chuyen sang mo hinh pool thanh khoan chung nhu ngay nay. Token ban dau co ten la LEND, sau do duoc hoan doi lay token AAVE moi. Ngay nay Aave duoc van hanh nhu mot cong dong thong qua he thong goi la Aave DAO — mot to chuc tu tri phi tap trung, la mot nhom cung nhau ra quyet dinh bang cach bo phieu thay vi co mot sep duy nhat.

Dieu gi lam cho Aave khac biet?

Nhieu nen tang hien nay cho phep ban cho vay va vay tai san ma hoa, vay dieu gi khien Aave noi bat? Mot vai diem:

• La nguoi tien phong som. Aave da gop phan tao ra toan bo danh muc duoc biet den voi ten goi DeFi (tai chinh phi tap trung — cac dich vu tai chinh duoc xay dung tren blockchain thay vi ngan hang).
• Da phat minh ra flash loan, mot cong cu truoc day chua tung ton tai o bat ky dau.
• Hoat dong tren nhieu blockchain. Aave co mat khong chi tren Ethereum ma con tren cac mang luoi nhu Polygon, Avalanche va nhieu mang khac, cung cap cho nguoi dung cac lua chon re hon va nhanh hon.
• Duoc quan tri boi cong dong. Nguoi nam giu token AAVE co the de xuat va bo phieu cho cac thay doi, vi vay khong co cong ty nao kiem soat hoan toan no.

Token AAVE cung dong mot vai tro an toan. Nguoi nam giu co the gui token cua ho vao mot pool dac biet goi la Module An Toan. Day hoat dong nhu mot quy khan cap: neu co dieu gi do toi te xay ra va he thong bi thua lo, mot phan token duoc gui nay co the duoc su dung de bu dap khoan thieu hut. Doi lai, nhung nguoi gui token se nhan duoc phan thuong vi da chap nhan rui ro do.

Lam the nao de mua va luu tru AAVE?

Ban co the mua AAVE tren phan lon cac san giao dich ma hoa lon (cac trang web noi ban doi tien thong thuong hoac tai san ma hoa khac lay coin). Cac buoc thong thuong nhu sau:

• Tao tai khoan tren san giao dich uy tin va hoan tat kiem tra danh tinh.
• Nap tien hoac tai san ma hoa khac.
• Mua AAVE giong nhu ban mua bat ky coin nao khac.

De luu tru AAVE, ban giu no trong mot vi tai san ma hoa (ung dung hoac thiet bi giu khoa cua coin). Vi phan mem tren dien thoai hoac trinh duyet tien loi cho viec su dung hang ngay, trong khi vi phan cung (mot thiet bi vat ly nho duoc luu tru ngoai tuyen) la lua chon an toan nhat cho cac khoan lon. Cau noi noi tieng trong gioi crypto la "not your keys, not your coins" (khong phai khoa cua ban, khong phai coin cua ban), don gian co nghia la giu coin trong vi cua chinh ban cho ban nhieu quyen kiem soat hon la de tren san giao dich.

Aave co an toan khong? Cac rui ro can biet

Aave la mot trong nhung du an duoc kiem toan can than va co nen tang vung chac nhat trong DeFi, nhung khong co nen tang crypto nao la khong co rui ro. Nguoi moi bat dau nen hieu cac rui ro nay:

• Rui ro hop dong thong minh: Aave duoc tao ra tu ma lenh, va ngay ca ma lenh duoc kiem tra ky cung co the chua cac loi ma ke tan cong co the khai thac.
• Rui ro thanh ly: Neu ban vay tien va gia tri tai san the chap giam xuong, he thong co the tu dong ban no, va ban co the mat mot phan tien gui.
• Rui ro thi truong: Gia cua AAVE va moi coin ban gui co the tang hoac giam dot ngot.
• Loi nguoi dung: Gui coin den dia chi sai hoac mat khoa vi tien thuong co nghia la tien mat vinh vien, vi khong co bo phan ho tro nao co the hoan tac dieu do.

Bai viet nay chi danh cho muc dich hoc hoi va khong phai tu van tai chinh. Luon tu nghien cuu truoc khi su dung bat ky nen tang crypto nao hoac mua bat ky coin nao.

Token AAVE duoc dung de lam gi?

AAVE la token quan tri cua nen tang, co nghia la nguoi nam giu co the bo phieu cho cac de xuat hinh thanh cach thuc hoat dong cua Aave. No cung duoc su dung trong Module An Toan, noi AAVE duoc gui giup bao ve he thong trong tinh huong khan cap va mang lai phan thuong cho nhung nguoi cung cap no.

Flash loan tren Aave la gi?

Flash loan la mot khoan vay dac biet phai duoc vay va hoan tra day du trong mot giao dich duy nhat. No khong can tai san the chap vi neu khong duoc tra lai ngay lap tuc, toan bo giao dich se tu dong bi huy. Cac nha phat trien su dung no cho cac nhiem vu nhanh, nang cao chi can tien trong mot thoi diem ngan.

Aave co phai la ngan hang khong?

Khong. Aave khong phai la ngan hang va khong co cong ty trung tam nao giu tien cua ban. Day la mot tap hop cac chuong trinh tu dong (hop dong thong minh) ket noi nguoi cho vay va nguoi di vay truc tiep, voi cac quy tac duoc thuc thi boi ma lenh thay vi nhan vien.

Aave khac Bitcoin o diem nao?

Bitcoin chu yeu la tien ky thuat so ma ban co the gui va luu tru. Aave la mot nen tang duoc xay dung tren blockchain cho phep moi nguoi cho vay, di vay va kiem lai suat voi tai san ma hoa cua ho. Hai loai giai quyet nhung van de rat khac nhau.