{"id":9927,"date":"2024-07-15T12:20:40","date_gmt":"2024-07-15T12:20:40","guid":{"rendered":"https:\/\/www.techopedia.com\/se\/?post_type=definition&#038;p=9927"},"modified":"2024-07-15T12:20:40","modified_gmt":"2024-07-15T12:20:40","slug":"defi-lending","status":"publish","type":"definition","link":"https:\/\/www.techopedia.com\/se\/ordlista\/defi-lending","title":{"rendered":"DeFi lending"},"content":{"rendered":"<p>L\u00e4r dig vad som menas med DeFi lending, \u00e4ven k\u00e4nt som DeFi-l\u00e5n p\u00e5 svenska. Vi f\u00f6rklarar hur det fungerar, g\u00e5r igenom f\u00f6r- och nackdelar samt svarar p\u00e5 de vanligaste fr\u00e5gorna g\u00e4llande l\u00e5n genom DeFi (<a href=\"https:\/\/www.techopedia.com\/se\/ordlista\/decentraliserad-finans-defi\">decentraliserad finans<\/a>).<\/p>\n<div>\n    <section class=\"toc-sticky w-100 bg-white \">\n        <div class=\"toc-sticky__container container\">\n            <div class=\"toc-sticky__open d-flex align-items-end\" data-bs-toggle=\"collapse\"\n                 aria-controls=\"multiCollapse1\"\n                 data-bs-target=\"#multiCollapse1\">\n                <button\n                        class=\"btn btn-primary collapse-action-btn p-1 rounded-circle\"\n                        type=\"button\"\n                >\n                    <i class=\"icon-chevron-up\"><\/i>\n                <\/button>\n                <span id=\"toc-current-title\" class=\"d-flex align-items-center\">\n                    Inneh\u00e5llsf\u00f6rteckning\n                <\/span>\n                <span class=\"toc-main-title-permanent\">Inneh\u00e5llsf\u00f6rteckning<\/span>\n            <\/div>\n            <div\n                    class=\"collapse my-3\"\n                    id=\"multiCollapse1\"\n            >\n                <ol class=\"StepProgress\">\n                                                                    <li class=\"StepProgress-item subList-in-progress  current\">\n                                                <div class=\"StepProgress-item__group\">\n                            <a data-id=\"vad_ar_defi_lending\"\n                               onclick=handleScrollToTitle(\"vad_ar_defi_lending\")\n                               class=\"StepProgress-item__link\" data-level=\"2\">Vad \u00e4r DeFi lending?<\/a>\n                                                            <button class=\"StepProgress-item__arrow collapse-action-btn\" type=\"button\"\n                                        data-bs-toggle=\"collapse\"\n                                        data-bs-target=\"#TOC1sublist-vad_ar_defi_lending\"\n                                        aria-controls=\"sublist-vad_ar_defi_lending\">\n                                    <i class=\"icon-chevron-down\"><\/i>\n                                <\/button>\n                                                    <\/div>\n                                                    <ol class=\"StepProgress-sub-list collapse\" id=\"TOC1sublist-vad_ar_defi_lending\">\n                                                                    <li class=\"StepProgress-sub-item\">\n                    <span>\n                      <a data-id=\"techopedia_forklarar_defi-lan\"\n                         onclick=handleScrollToTitle(\"techopedia_forklarar_defi-lan\")\n                         class=\"StepProgress-item__link\"\n                         data-level=\"3\">Techopedia f\u00f6rklarar Defi-l\u00e5n<\/a>\n                    <\/span>\n                                    <\/li>\n                                                            <\/ol>\n                                                <\/li>\n                                                                        <li class=\"StepProgress-item\">\n                                                <div class=\"StepProgress-item__group\">\n                            <a data-id=\"hur_fungerar_defi_lending\"\n                               onclick=handleScrollToTitle(\"hur_fungerar_defi_lending\")\n                               class=\"StepProgress-item__link\" data-level=\"2\">Hur fungerar DeFi lending?<\/a>\n                                                    <\/div>\n                                                <\/li>\n                                                                        <li class=\"StepProgress-item\">\n                                                <div class=\"StepProgress-item__group\">\n                            <a data-id=\"for-_och_nackdelar_med_defi_lending\"\n                               onclick=handleScrollToTitle(\"for-_och_nackdelar_med_defi_lending\")\n                               class=\"StepProgress-item__link\" data-level=\"2\">F\u00f6r- och nackdelar med DeFi lending<\/a>\n                                                    <\/div>\n                                                <\/li>\n                                                                        <li class=\"StepProgress-item\">\n                                                <div class=\"StepProgress-item__group\">\n                            <a data-id=\"vad_ar_defi-laneplattformar\"\n                               onclick=handleScrollToTitle(\"vad_ar_defi-laneplattformar\")\n                               class=\"StepProgress-item__link\" data-level=\"2\">Vad \u00e4r DeFi-l\u00e5neplattformar?<\/a>\n                                                    <\/div>\n                                                <\/li>\n                                                                        <li class=\"StepProgress-item\">\n                                                <div class=\"StepProgress-item__group\">\n                            <a data-id=\"hur_kan_jag_lana_med_defi\"\n                               onclick=handleScrollToTitle(\"hur_kan_jag_lana_med_defi\")\n                               class=\"StepProgress-item__link\" data-level=\"2\">Hur kan jag l\u00e5na med DeFi?<\/a>\n                                                    <\/div>\n                                                <\/li>\n                                                                        <li class=\"StepProgress-item\">\n                                                <div class=\"StepProgress-item__group\">\n                            <a data-id=\"vanliga_fragor_om_defi_lending\"\n                               onclick=handleScrollToTitle(\"vanliga_fragor_om_defi_lending\")\n                               class=\"StepProgress-item__link\" data-level=\"2\">Vanliga fr\u00e5gor om DeFi lending<\/a>\n                                                    <\/div>\n                                                <\/li>\n                                                                        <li class=\"StepProgress-item\">\n                                                <div class=\"StepProgress-item__group\">\n                            <a data-id=\"referenser\"\n                               onclick=handleScrollToTitle(\"referenser\")\n                               class=\"StepProgress-item__link\" data-level=\"2\">Referenser<\/a>\n                                                    <\/div>\n                                                <\/li>\n                                    <\/ol>\n                <div class=\"toc-sticky__container__disperse\"><\/div>\n                <div class=\"toc-sticky__btn-top justify-content-center\">\n                    <button class=\"btn btn-link d-flex align-items-center\" onclick={btnTop()}><p>Visa fullst\u00e4ndig lista<\/p><img decoding=\"async\"\n                                src=\"\/wp-content\/plugins\/table-of-contents\/assets\/images\/arrow-up-circle.svg\"\n                                alt=\"arrow-up-circle\">\n                    <\/button>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/section>\n    <div class=\"toc-sticky-list\">\n        <div class=\"toc-sticky__container container\">\n            <div class=\"toc-sticky__open d-flex align-items-end\" data-bs-toggle=\"collapse\" aria-controls=\"multiCollapse2\" data-bs-target=\"#multiCollapse2\">\n                <button class=\"btn btn-primary collapse-action-btn p-1 rounded-circle\"\n                        type=\"button\">\n                    <i class=\"icon-chevron-up up\"><\/i>\n                <\/button>\n                <span id=\"toc-current-title\" class=\"d-flex align-items-center\">\n                    Inneh\u00e5llsf\u00f6rteckning\n                <\/span>\n            <\/div>\n            <div  class=\"collapse my-3\" id=\"multiCollapse2\">\n                <ol class=\"StepProgress\">\n                    \t\t\t\t\t \t\t\t\t\t                         \t\t\t\t\t\t\n                        <li class=\"StepProgress-item subList-in-progress  current \">\n                                                    <div class=\"StepProgress-item__group\">\n                                <a data-id=\"vad_ar_defi_lending\"\n                                   onclick=handleScrollToTitle(\"vad_ar_defi_lending\")\n                                   class=\"StepProgress-item__link\"\n                                   data-level=\"2\">Vad \u00e4r DeFi lending?<\/a>\n                                                                    <button class=\"StepProgress-item__arrow collapse-action-btn\" type=\"button\"\n                                            data-bs-toggle=\"collapse\"\n                                            data-bs-target=\"#sublist-vad_ar_defi_lending\"\n                                            aria-controls=\"sublist-vad_ar_defi_lending\">\n                                        <i class=\"icon-chevron-down\"><\/i>\n                                    <\/button>\n                                                            <\/div>\n                                                            <ol class=\"StepProgress-sub-list collapse\" id=\"sublist-vad_ar_defi_lending\">\n                                                                            <li class=\"StepProgress-sub-item\">\n                    <span>\n                      <a data-id=\"techopedia_forklarar_defi-lan\"\n                         onclick=handleScrollToTitle(\"techopedia_forklarar_defi-lan\")\n                         class=\"StepProgress-item__link\"\n                         data-level=\"3\">Techopedia f\u00f6rklarar Defi-l\u00e5n<\/a>\n                    <\/span>\n                                        <\/li>\n                                                                    <\/ol>\n                                                    <\/li>\n                    \t\t\t\t\t \t\t\t\t\t                                                     <li class=\"StepProgress-item \">\n                                                    <div class=\"StepProgress-item__group\">\n                                <a data-id=\"hur_fungerar_defi_lending\"\n                                   onclick=handleScrollToTitle(\"hur_fungerar_defi_lending\")\n                                   class=\"StepProgress-item__link\"\n                                   data-level=\"2\">Hur fungerar DeFi lending?<\/a>\n                                                            <\/div>\n                                                    <\/li>\n                    \t\t\t\t\t \t\t\t\t\t                                                     <li class=\"StepProgress-item \">\n                                                    <div class=\"StepProgress-item__group\">\n                                <a data-id=\"for-_och_nackdelar_med_defi_lending\"\n                                   onclick=handleScrollToTitle(\"for-_och_nackdelar_med_defi_lending\")\n                                   class=\"StepProgress-item__link\"\n                                   data-level=\"2\">F\u00f6r- och nackdelar med DeFi lending<\/a>\n                                                            <\/div>\n                                                    <\/li>\n                    \t\t\t\t\t \t\t\t\t\t\n\t\t\t\t\t\t <span class=\"show_moretoc\">Visa fullst\u00e4ndig lista<\/span>\n\t\t\t\t\t\t \t\t\t\t\t \t\t\t\t\t\t  \t\t\t\t\t                                                      <li class=\"StepProgress-item ms_hidetoc\">\n                                                    <div class=\"StepProgress-item__group\">\n                                <a data-id=\"vad_ar_defi-laneplattformar\"\n                                   onclick=handleScrollToTitle(\"vad_ar_defi-laneplattformar\")\n                                   class=\"StepProgress-item__link\"\n                                   data-level=\"2\">Vad \u00e4r DeFi-l\u00e5neplattformar?<\/a>\n                                                            <\/div>\n                                                    <\/li>\n                    \t\t\t\t\t \t\t\t\t\t \t\t\t\t\t\t  \t\t\t\t\t                                                      <li class=\"StepProgress-item ms_hidetoc\">\n                                                    <div class=\"StepProgress-item__group\">\n                                <a data-id=\"hur_kan_jag_lana_med_defi\"\n                                   onclick=handleScrollToTitle(\"hur_kan_jag_lana_med_defi\")\n                                   class=\"StepProgress-item__link\"\n                                   data-level=\"2\">Hur kan jag l\u00e5na med DeFi?<\/a>\n                                                            <\/div>\n                                                    <\/li>\n                    \t\t\t\t\t \t\t\t\t\t \t\t\t\t\t\t  \t\t\t\t\t                                                      <li class=\"StepProgress-item ms_hidetoc\">\n                                                    <div class=\"StepProgress-item__group\">\n                                <a data-id=\"vanliga_fragor_om_defi_lending\"\n                                   onclick=handleScrollToTitle(\"vanliga_fragor_om_defi_lending\")\n                                   class=\"StepProgress-item__link\"\n                                   data-level=\"2\">Vanliga fr\u00e5gor om DeFi lending<\/a>\n                                                            <\/div>\n                                                    <\/li>\n                    \t\t\t\t\t \t\t\t\t\t \t\t\t\t\t\t  \t\t\t\t\t                                                      <li class=\"StepProgress-item ms_hidetoc\">\n                             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pageLegend.classList.remove('overflow-auto');\n        pageLegend.style.height = 'auto';\n        window.scrollTo({\n            top: 0,\n            behavior: 'smooth'\n        });\n    }\n\n    const handleScrollToTitle = (id) => {\n        const el = document.getElementById(id);\n        const headerHeightDifference = window.innerWidth < 992 ? -30 : -15;\n        window.scrollTo({\n            top: el.offsetTop - 60 - headerHeightDifference - 10,\n        });\n    }\n<\/script>\n\n<h2><span id=\"vad_ar_defi_lending\">Vad \u00e4r DeFi lending?<\/span><\/h2>\n<p>DeFi-l\u00e5n erbjuder ett s\u00e4tt att l\u00e5na utan de vanliga hindren som finns med konventionella l\u00e5n. Ist\u00e4llet kan du l\u00e5na mot krypto som s\u00e4kerhet, vilket inneb\u00e4r att du anv\u00e4nder din kryptovaluta som pant och f\u00e5r omedelbar tillg\u00e5ng till medel.<\/p>\n<p>Verksamheten inom DeFi lending-kategorin blomstrar, med ett uppskattat totalt v\u00e4rde p\u00e5 <a href=\"https:\/\/defillama.com\/protocols\/Lending\" target=\"_blank\"> 24,62 miljarder dollar<\/a> l\u00e5st i <a href=\"https:\/\/www.techopedia.com\/se\/ordlista\/smarta-kontrakt\">smarta kontrakt<\/a>.<\/p>\n<h3><span id=\"techopedia_forklarar_defi-lan\">Techopedia f\u00f6rklarar Defi-l\u00e5n<\/span><\/h3>\n<p>DeFi-l\u00e5n inneb\u00e4r att anv\u00e4nda smarta kontrakt, datorprogram som k\u00f6rs p\u00e5 <a href=\"https:\/\/www.techopedia.com\/se\/ordlista\/blockkedja\">blockkedjen\u00e4tverk<\/a>, f\u00f6r att l\u00e5na mot krypto som s\u00e4kerhet. F\u00f6rutom att l\u00e5na, st\u00f6der de flesta plattformar \u00e4ven utl\u00e5ning, vilket g\u00f6r att ins\u00e4ttare kan tj\u00e4na avkastning.<\/p>\n<p>Traditionell utl\u00e5ning baserar l\u00e5neber\u00e4ttigande p\u00e5 ett antal faktorer, ofta inklusive kreditv\u00e4rdighet, inkomst, skulds\u00e4ttningsgrad och s\u00e4kerhet. D\u00e4remot tar DeFi-utl\u00e5ning vanligtvis endast h\u00e4nsyn till s\u00e4kerheten.<\/p>\n<p>Det finns heller inget behov av att be en bank eller l\u00e5ngivare om ett l\u00e5n. Med n\u00e5gra klick \u2013 och tillr\u00e4ckligt med krypto som s\u00e4kerhet \u2013 kan du l\u00e5na direkt. Detta g\u00f6r DeFi-l\u00e5n till tillst\u00e5ndsfri.<\/p>\n<p>Dessutom finns det inget behov av att f\u00f6rklara hur du kommer att anv\u00e4nda de l\u00e5nade medlen eller ens ange ditt namn. Din kryptopl\u00e5nboksadress blir din identitet f\u00f6r l\u00e5net.<\/p>\n<h2><span id=\"hur_fungerar_defi_lending\">Hur fungerar DeFi lending?<\/span><\/h2>\n<p>Kryptol\u00e5n tar olika former, inklusive de b\u00e4sta centraliserade utl\u00e5ningsplattformarna som Nexo, eller decentraliserade plattformar som Aave eller Compound Finance.<\/p>\n<p>DeFi lending anv\u00e4nder decentraliserade plattformar, vilket inneb\u00e4r att det inte finns n\u00e5got f\u00f6retag eller ledningsgrupp som fattar utl\u00e5ningsbesluten.<\/p>\n<p>Ist\u00e4llet anv\u00e4nder DeFi lending smarta kontrakt som fungerar lika f\u00f6r alla, oavsett inkomst, nationalitet eller andra faktorer. DeFi-utl\u00e5ningsprotokollen i sig drivs ofta av det globala samh\u00e4llet och anv\u00e4nder kryptotokens f\u00f6r att r\u00f6sta om f\u00f6rslag.<\/p>\n<ul>\n<li><strong>Utl\u00e5ningsprotokoll som Aave anv\u00e4nder kryptovaluta som s\u00e4kerhet f\u00f6r att backa l\u00e5net.<\/strong><\/li>\n<\/ul>\n<p>L\u00e5t oss s\u00e4ga att du har 10 ETH och du vill inte s\u00e4lja din ETH f\u00f6r att skaffa pengar. Som ett alternativ kan du s\u00e4tta in ETH p\u00e5 Aave eller en liknande plattform och sedan l\u00e5na mot den ETH du satt in som s\u00e4kerhet. P\u00e5 Aave kommer du ocks\u00e5 att tj\u00e4na r\u00e4nta p\u00e5 din ins\u00e4ttning. Alla ins\u00e4ttningar g\u00e5r in i en pool fr\u00e5n vilken l\u00e5ntagare kan ta l\u00e5n.<\/p>\n<p>I detta exempel \u00e4r du dock inte begr\u00e4nsad till att l\u00e5na ETH. Du kan anv\u00e4nda din ETH som s\u00e4kerhet och l\u00e5na <a href=\"https:\/\/www.techopedia.com\/se\/ordlista\/tether-usdt\">USDT<\/a>, till exempel, en popul\u00e4r <a href=\"https:\/\/www.techopedia.com\/se\/ordlista\/stablecoin\">stablecoin<\/a>-kryptovaluta som f\u00f6ljer v\u00e4rdet av den amerikanska dollarn.<\/p>\n<ul>\n<li><strong>Du betalar r\u00e4nta baserat p\u00e5 l\u00e5neefterfr\u00e5gan i poolen j\u00e4mf\u00f6rt med utbudet.<\/strong><\/li>\n<\/ul>\n<p>DeFi-utl\u00e5ningsprotokoll som Aave kr\u00e4ver inte fasta m\u00e5nadsbetalningar. \u00c5terbetala n\u00e4r du \u00e4r redo, men var medveten om att l\u00e5net forts\u00e4tter att samla r\u00e4nta, vilket \u00f6kar ditt l\u00e5nev\u00e4rde. Det \u00e4r ocks\u00e5 klokt att h\u00e5lla koll p\u00e5 r\u00e4ntorna, som kan \u00f6ka l\u00e5nekostnaden om efterfr\u00e5gan p\u00e5 l\u00e5n stiger.<\/p>\n<p>L\u00e5nev\u00e4rde till s\u00e4kerhetsv\u00e4rde (LTV) spelar en avg\u00f6rande roll i DeFi-utl\u00e5ning. N\u00e4r LTV \u00f6kar, det vill s\u00e4ga n\u00e4r l\u00e5nev\u00e4rdet i f\u00f6rh\u00e5llande till s\u00e4kerhetsv\u00e4rdet \u00f6kar, n\u00e4rmar sig l\u00e5net likvidation, vilket \u00e4r en automatisk f\u00f6rs\u00e4ljning av din s\u00e4kerhet.<\/p>\n<h2><span id=\"for-_och_nackdelar_med_defi_lending\">F\u00f6r- och nackdelar med DeFi lending<\/span><\/h2>\n<div class=\"su-row\"><div class=\"su-column su-column-size-1-2\"><div class=\"su-column-inner su-u-clearfix su-u-trim\">\n<p><strong>F\u00f6rdelar <img decoding=\"async\" src=\"https:\/\/www.techopedia.com\/wp-content\/uploads\/2023\/08\/pros.svg\" alt=\"pros\" width=\"24\" height=\"26\" \/><\/strong><\/p>\n<div class=\"su-list\" style=\"margin-left:0px\">\n<ul>\n<li><i class=\"sui sui-check-circle\" style=\"color:#3CB371\"><\/i> DeFi-utl\u00e5ning g\u00f6r l\u00e5n tillg\u00e4ngliga f\u00f6r alla med kryptovalutakollateral.<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#3CB371\"><\/i> L\u00e5ntagare kan l\u00e5na utan fasta \u00e5terbetalningsvillkor.<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#3CB371\"><\/i> R\u00e4ntorna \u00e4r ofta l\u00e4gre j\u00e4mf\u00f6rt med personliga l\u00e5n.<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#3CB371\"><\/i> L\u00e5nade medel kan anv\u00e4ndas f\u00f6r valfritt \u00e4ndam\u00e5l.<\/li>\n<\/ul>\n<\/div>\n<\/div><\/div> <div class=\"su-column su-column-size-1-2 pros_icons_\"><div class=\"su-column-inner su-u-clearfix su-u-trim\">\n<p><strong>Nackdelar <img decoding=\"async\" src=\"https:\/\/www.techopedia.com\/wp-content\/uploads\/2023\/08\/cons.svg\" alt=\"cons\" width=\"24\" height=\"26\" \/><\/strong><\/p>\n<div class=\"su-list\" style=\"margin-left:0px\">\n<ul>\n<li><i class=\"sui sui-remove\" style=\"color:#e31f28\"><\/i> L\u00e5n m\u00e5ste \u00e5terbetalas i samma kryptovaluta som l\u00e5nats, vilket kan medf\u00f6ra ytterligare transaktioner och kostnader.<\/li>\n<li><i class=\"sui sui-remove\" style=\"color:#e31f28\"><\/i> Volatilitet kan minska v\u00e4rdet p\u00e5 s\u00e4kerheten, vilket kan leda till likvidation.<\/li>\n<li><i class=\"sui sui-remove\" style=\"color:#e31f28\"><\/i> Smarta kontrakt som anv\u00e4nds av DeFi-plattformar kan vara<\/li>\n<li><i class=\"sui sui-remove\" style=\"color:#e31f28\"><\/i> s\u00e5rbara f\u00f6r hackerattacker.<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n<h2><span id=\"vad_ar_defi-laneplattformar\">Vad \u00e4r DeFi-l\u00e5neplattformar?<\/span><\/h2>\n<p>DeFi-utl\u00e5ningsplattformar (DeFi lending platforms) erbjuder ett anv\u00e4ndarv\u00e4nligt gr\u00e4nssnitt till komplexa smarta kontrakt som m\u00f6jligg\u00f6r utl\u00e5ning och l\u00e5n. Tekniskt sett \u00e4r kontrakten ocks\u00e5 tillg\u00e4ngliga utan gr\u00e4nssnittet genom att anv\u00e4nda tredjepartsverktyg eller egen programvara om du \u00e4r duktig p\u00e5 kodning.<\/p>\n<p><strong>Popul\u00e4ra plattformar inkluderar:<\/strong><\/p>\n<ul>\n<li><a href=\"https:\/\/aave.com\/\" target=\"_blank\">Aave<\/a>, som st\u00f6der 10 blockkedjor;<\/li>\n<li>JustLend, endast tillg\u00e4ngligt p\u00e5 Tron-n\u00e4tverket;<\/li>\n<li>och <a href=\"https:\/\/compound.finance\/\" target=\"_blank\">Compound Finance<\/a>, som st\u00f6der 4 blockkedjor.<\/li>\n<\/ul>\n<p>Dessa plattformar l\u00e5ter dig ansluta en kompatibel kryptopl\u00e5nbok f\u00f6r att s\u00e4tta in medel och sedan l\u00e5na vid behov. M\u00e5nga ser likadana ut och anv\u00e4nder en l\u00e4ttnavigerad design med tv\u00e5 kolumner som lyfter fram tillg\u00e5ngar som st\u00f6ds f\u00f6r ins\u00e4ttningar och tillg\u00e5ngar som finns tillg\u00e4ngliga f\u00f6r l\u00e5n.<\/p>\n<h2><span id=\"hur_kan_jag_lana_med_defi\">Hur kan jag l\u00e5na med DeFi?<\/span><\/h2>\n<p><img decoding=\"async\" src=\"https:\/\/www.techopedia.com\/se\/wp-content\/uploads\/sites\/6\/2024\/07\/hur-man-lanar-med-defi.jpg\" alt=\"Hur man l\u00e5nar med DeFi i fem steg.\" width=\"1200\" height=\"773\" class=\"aligncenter size-full wp-image-9931\" srcset=\"https:\/\/www.techopedia.com\/se\/wp-content\/uploads\/sites\/6\/2024\/07\/hur-man-lanar-med-defi.jpg 1200w, https:\/\/www.techopedia.com\/se\/wp-content\/uploads\/sites\/6\/2024\/07\/hur-man-lanar-med-defi-300x193.jpg 300w, https:\/\/www.techopedia.com\/se\/wp-content\/uploads\/sites\/6\/2024\/07\/hur-man-lanar-med-defi-1024x660.jpg 1024w, https:\/\/www.techopedia.com\/se\/wp-content\/uploads\/sites\/6\/2024\/07\/hur-man-lanar-med-defi-768x495.jpg 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/p>\n<p>F\u00f6r att l\u00e4ra dig hur l\u00e5neprocessen fungerar, l\u00e5t oss anv\u00e4nda ett steg-f\u00f6r-steg-exempel:<\/p>\n<ol>\n<li><strong>K\u00f6p en kryptovaluta som \u00e4r godk\u00e4nd som s\u00e4kerhet:<\/strong> Om du inte redan har n\u00e5gon krypto, unders\u00f6k vilka typer av krypto som kan anv\u00e4ndas som s\u00e4kerhet. Vanligtvis st\u00f6ds alternativ som ETH, USDT och USDC. M\u00e5nga plattformar erbjuder dock ett mycket bredare urval av mynt eller tokens som \u00e4r godk\u00e4nda som s\u00e4kerhet. Du kanske vill skjuta upp detta steg tills du har valt en plattform.<\/li>\n<li><strong>V\u00e4lj en plattform och ett n\u00e4tverk:<\/strong> I detta fall anv\u00e4nder vi Aave eftersom protokollet st\u00f6der 10 n\u00e4tverk. Vilket n\u00e4tverk du v\u00e4ljer kan bero p\u00e5 hur du vill anv\u00e4nda medlen. Till exempel, om du beh\u00f6ver anv\u00e4nda dina l\u00e5nade medel p\u00e5 Abitrum-n\u00e4tverket, vill du troligen s\u00e4tta in och l\u00e5na p\u00e5 Aave med Arbitrum f\u00f6r att spara p\u00e5 totalkostnader och undvika avgifter f\u00f6r kedje\u00f6verbryggning.<\/li>\n<li><strong>Kontrollera tillg\u00e4nglighet:<\/strong> DeFi-utl\u00e5ningsplattformar anv\u00e4nder ofta kapacitetsgr\u00e4nser f\u00f6r ins\u00e4ttningar och l\u00e5n. Se till att protokollet har tillr\u00e4cklig kapacitet f\u00f6r att du ska kunna s\u00e4tta in och l\u00e5na. Vanligtvis kan du se detta direkt.<\/li>\n<li><strong>G\u00f6r din ins\u00e4ttning:<\/strong> Anslut din <a href=\"https:\/\/www.techopedia.com\/se\/ordlista\/kryptoplanbok\">kryptopl\u00e5nbok<\/a> till utl\u00e5ningsprotokollet och leta efter en ins\u00e4ttningsknapp. Ange ditt ins\u00e4ttningsbelopp.<\/li>\n<li><strong>L\u00e5na de medel du beh\u00f6ver:<\/strong> Tryck p\u00e5 l\u00e5neknappen f\u00f6r att ta ett l\u00e5n. Men kom ih\u00e5g att marknadsprisr\u00f6relser och ackumulerad r\u00e4nta kan p\u00e5verka ditt LTV, s\u00e5 att l\u00e5na mindre \u00e4r ofta s\u00e4krare. De l\u00e5nade medlen skickas till din kryptopl\u00e5nbok.<\/li>\n<\/ol>\n<h2><span id=\"vanliga_fragor_om_defi_lending\">Vanliga fr\u00e5gor om DeFi lending<\/span><\/h2>\n<div class=\"man_faq_sec\" itemscope itemtype=\"https:\/\/schema.org\/FAQPage\"><section class=\"ms_faq ms_card \" ><div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div class=\"accordionButton\"><h3 itemprop=\"name\"> \u00c4r DeFi lending riskabelt?<\/h3> <\/div>\n<div class=\"accordionContent\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:none;\"><p itemprop=\"text\">DeFi lending (l\u00e5n) kommer med tv\u00e5 prim\u00e4ra risker: likvidation och hacks. Likvidationer kan intr\u00e4ffa om bel\u00e5ningsgraden f\u00f6r l\u00e5net \u00f6verstiger ett visst tr\u00f6skelv\u00e4rde, i vilket fall din s\u00e4kerhet kan s\u00e4ljas automatiskt f\u00f6r att t\u00e4cka l\u00e5net. Hacks utg\u00f6r en annan risk f\u00f6r DeFi-anv\u00e4ndare eftersom protokollets smarta kontrakt sj\u00e4lva blir m\u00e5l, vilket eventuellt s\u00e4tter anv\u00e4ndarnas ins\u00e4ttningar i fara.<\/p>\r\n                <\/div><\/div><\/section>\n<section class=\"ms_faq ms_card \" ><div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div class=\"accordionButton\"><h3 itemprop=\"name\">Vad \u00e4r DeFi privat utl\u00e5ning?<\/h3> <\/div>\n<div class=\"accordionContent\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:none;\"><p itemprop=\"text\">DeFi privat utl\u00e5ning h\u00e4nvisar till utl\u00e5ningsprotokoll som maskerar deltagarnas pl\u00e5nbokadresser, vanligtvis med ZK (noll kunskap) rollups f\u00f6r att skicka slutf\u00f6rda transaktioner tillbaka till Ethereum-blockkedjan. F\u00e5 DeFi-utl\u00e5ningsprojekt fokuserar p\u00e5 detta tillv\u00e4gag\u00e5ngss\u00e4tt.<\/p>\r\n                <\/div><\/div><\/section>\n<section class=\"ms_faq ms_card \" ><div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div class=\"accordionButton\"><h3 itemprop=\"name\">Vad \u00e4r skillnaden mellan DeFi-insats och utl\u00e5ning?<\/h3> <\/div>\n<div class=\"accordionContent\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:none;\"><p itemprop=\"text\">DeFi staking och utl\u00e5ning inneb\u00e4r b\u00e5da att l\u00e5sa tokens i ett smart kontrakt, men m\u00e5len skiljer sig ofta \u00e5t. <a href=\"https:\/\/www.techopedia.com\/se\/ordlista\/staking\">Staking<\/a> st\u00f6der vanligtvis s\u00e4kerhet f\u00f6r en blockkedja eller ett protokoll samtidigt som man tj\u00e4nar en avkastning. D\u00e4remot, i DeFi-utl\u00e5ning, deponerar anv\u00e4ndare kryptotokens i ett smart kontrakt f\u00f6r att tj\u00e4na r\u00e4nta och anv\u00e4nda dem som s\u00e4kerhet f\u00f6r l\u00e5n.<\/p>\r\n                <\/div><\/div><\/section>\n<div class=\"reference-content\">\n<div class=\"reference-heading reference-content-collapsible-heading\">\n<h2><span id=\"referenser\">Referenser<\/span><\/h2>\n<\/div>\n<div class=\"reference-content-body\">\n<ol>\n<li><a href=\"https:\/\/defillama.com\/protocols\/Lending\" target=\"_blank\" rel=\"noopener\">Lending TVL Rankings<\/a> (DefiLlama)<\/li>\n<li><a href=\"https:\/\/aave.com\/\" target=\"_blank\">Aave &#8211; Open Source Liquidity Protocol<\/a> (Aave)<\/li>\n<li><a href=\"https:\/\/compound.finance\/\" target=\"_blank\">Compound<\/a> (Compound.Finance)<\/li>\n<\/ol>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>L\u00e4r dig vad som menas med DeFi lending, \u00e4ven k\u00e4nt som DeFi-l\u00e5n p\u00e5 svenska. Vi f\u00f6rklarar hur det fungerar, g\u00e5r igenom f\u00f6r- och nackdelar samt svarar p\u00e5 de vanligaste fr\u00e5gorna g\u00e4llande l\u00e5n genom DeFi (decentraliserad finans). Vad \u00e4r DeFi lending? DeFi-l\u00e5n erbjuder ett s\u00e4tt att l\u00e5na utan de vanliga hindren som finns med konventionella l\u00e5n. [&hellip;]<\/p>\n","protected":false},"author":286638,"featured_media":9929,"comment_status":"open","ping_status":"closed","template":"","format":"standard","meta":{"_acf_changed":false,"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"definitioncat":[24],"class_list":["post-9927","definition","type-definition","status-publish","format-standard","has-post-thumbnail","hentry","definitioncat-kryptovaluta"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v23.8 (Yoast SEO v23.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Vad \u00e4r DeFi lending (l\u00e5n)? 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