{"id":7339,"date":"2021-02-23T16:32:23","date_gmt":"2021-02-23T16:32:23","guid":{"rendered":"https:\/\/promoguy.nl\/what-is-defi-decentralised-finance-blockchain-explained\/"},"modified":"2025-04-05T13:43:56","modified_gmt":"2025-04-05T13:43:56","slug":"what-is-defi-decentralised-finance-blockchain-explained","status":"publish","type":"post","link":"https:\/\/promoguy.nl\/lt\/blog\/2021\/02\/23\/what-is-defi-decentralised-finance-blockchain-explained\/","title":{"rendered":"Kas yra Defi: Decentralizuoti finansai ir blok\u0173 grandin\u0117 paai\u0161kinta"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Kalbant apie technologij\u0173 srit\u012f, internete vartojama daug ry\u0161ki\u0173 termin\u0173. Nors daug technologij\u0173 atsiranda ir i\u0161nyksta, tik nedaugelis j\u0173 tampa laiko patikrintomis favorit\u0117mis, kuri\u0173 populiarumas persiduoda daugeliui pramon\u0117s \u0161ak\u0173. Pastaraisiais metais n\u0117 viena i\u0161 \u0161i\u0173 naujovi\u0173 nesusilauk\u0117 tokio mesianistinio \u017eavesio kaip blok\u0173 grandin\u0117 ir jos geb\u0117jimai sukurti \u0161loving\u0105 nauj\u0105 decentralizuot\u0173 finans\u0173 er\u0105.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Ar \u0161i technologija yra tokia, kokia ji yra? \u0160iame straipsnyje norime i\u0161narplioti ir kritikus, ir triuk\u0161mo ma\u0161in\u0105 ir pateikti jums faktus apie \u0161i\u0105 (da\u017enai g\u0105sdinan\u010di\u0105) technologij\u0173 mad\u0105.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">D\u0117l savo daugiafunkci\u0161kumo blok\u0173 grandin\u0117 yra daugelio skirting\u0173 kategorij\u0173 technologij\u0173 dalis. D\u0117l to pokalbiai apie j\u0105 yra gana pain\u016bs. Siekdami supaprastinti \u0161ias pla\u010dias kategorijas, daugiausia d\u0117mesio skirsime blok\u0173 grandin\u0117s technologijai kaip decentralizuotai finans\u0173 <a class=\"wl-entity-page-link\"  href=\"https:\/\/promoguy.nl\/lt\/blog\/vocabulary\/tool\/\" data-id=\"https:\/\/data.wordlift.io\/wl1503668\/entity\/tool\" >\u012frankis<\/a>, nors jis buvo naudojamas \u012fvairiose srityse - nuo kovos su piratavimu iki <a class=\"wl-entity-page-link\"  href=\"https:\/\/promoguy.nl\/lt\/blog\/vocabulary\/digital\/\" data-id=\"https:\/\/data.wordlift.io\/wl1503668\/entity\/digital\" >skaitmeninis<\/a> ID.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">\u0160is straipsnis bus pagrindinis \u012fvairi\u0173 kriptovaliut\u0173 ir blok\u0173 grandin\u0117s kart\u0173 paai\u0161kinimas fintech rinkoje.<\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\">Blok\u0173 grandin\u0117s strukt\u016brizuotas finansavimas<\/h2>\r\n\r\n\r\n\r\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" class=\"wp-image-7361\" src=\"https:\/\/promoguy.nl\/wp-content\/uploads\/2021\/02\/bitcoin-3012035_1920-700x691.png\" alt=\"Decentralizuot\u0173 finans\u0173 ir blok\u0173 grandin\u0117s paai\u0161kinimas\" \/><\/figure>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Blok\u0173 grandin\u0117s istorijoje yra daug sprag\u0173. I\u0161 prad\u017ei\u0173 j\u0105 \u0161iuolaikiniam naudojimui suk\u016br\u0117 asmuo ar grup\u0117, pasivadinusi \"Satoshi Nakamoto\". \u0160i technologija egzistavo ir anks\u010diau, ta\u010diau tik v\u0117liau ji \u012fgijo nauj\u0105 paskirt\u012f. Dera, kad technologija, kurios centre yra decentralizacija ir anonimi\u0161kumas, tur\u0117t\u0173 toki\u0105 paslapting\u0105 kilm\u0119.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">\u0160i technologija egzistavo nuo 9-ojo de\u0161imtme\u010dio, ta\u010diau iki 2010-\u0173j\u0173, kai ji tapo prekybos bitkoinais pagrindu, ji nebuvo naudojama taip sud\u0117tingai. Nors \u0161i technologija pirmiausia \u017einoma d\u0117l jos panaudojimo kriptovaliut\u0173 buhalterin\u0117je apskaitoje, pastaraisiais metais jos panaudojimas buvo platesnis.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Pagrindin\u0117 blok\u0173 grandin\u0117s prielaida yra ta, kad ji sujungia kelis mazgus \u012f bendr\u0105 \"did\u017ei\u0105j\u0105 knyg\u0105\". \u010cia visi sandoriai yra lengvai atsekami ir atsekami tinkle. Tokia sistema suma\u017eina buhalterin\u0117s apskaitos netikslumus ir akimirksniu siun\u010dia signalus. Jos teikiamas skaidrumas naudingas siekiant u\u017etikrinti, kad visi sandoriai b\u016bt\u0173 suderinti.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Kaip matyti i\u0161 pavadinimo, jis sukuria blok\u0173 grandin\u0119, kurioje kiekviename bloke saugomi skaitmeniniai duomenys, pa\u017eym\u0117ti laiko \u017eyma. \u0160ie duomenys yra ne tik jo paties, bet ir ankstesni\u0173 blok\u0173 unikali tapatyb\u0117, vadinama hash.<\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\">Decentralizuoti finansai<\/h2>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Decentralizuotieji finansai (DeFi) arba atvirieji finansai naudoja i\u0161mani\u0105sias sutartis, kurias leid\u017eia sudaryti palyginti naujausi blok\u0173 grandin\u0117s ir kriptovaliut\u0173 technologij\u0173 variantai. Naudojant \u0161ias priemones galima sukurti alternatyvias, decentralizuotas finans\u0173 sistemas. Did\u017eiausi jos \u0161alininkai pabr\u0117\u017eia, kad ji gali padaryti taupym\u0105, paskolas, prekyb\u0105, draudim\u0105 saugesnius, prieinamesnius ir skaidresnius.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Kaip matyti i\u0161 pavadinimo, sistema veikia be centrin\u0117s vald\u017eios institucijos. Nors kai kam gali b\u016bti sunku \u012fsivaizduoti, programos ir algoritmai veikia taip, kad b\u016bt\u0173 galima atlikti bankininkyst\u0117s operacijas be centrinio banko kaip tarpininko arba draudimo sandorius be tarpin\u0117s bendrov\u0117s. Vietoj to automatizuotos sistemos valdys administratori\u0173 ir visk\u0105 pri\u017ei\u016br\u0117s tiesiai \u0161viesiai.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">\"I\u0161maniosios sutartys\" - tai programos, veikian\u010dios naudojant blok\u0173 grandin\u0119. Jos vykdomos automati\u0161kai, kai \u012fvykdomi tam tikri kriterijai, taigi veikia pagal autonominius protokolus. Tokios sutartys leid\u017eia atlikti daug sud\u0117tingesnes funkcijas u\u017e kriptovaliut\u0173 bir\u017e\u0173 rib\u0173.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">\u0160ios programos tapo decentralizuot\u0173 program\u0117li\u0173 (arba dapps) pagrindu. I\u0161 esm\u0117s tokios autonomin\u0117s sistemos gal\u0117t\u0173 leisti naudotojams der\u0117tis d\u0117l sutar\u010di\u0173, paskol\u0173 ir kitos finansin\u0117s veiklos be jokio kito tarpininko, i\u0161skyrus technologij\u0105. Tokia sistema reguliuot\u0173 nuo bet koki\u0173 nes\u0105\u017eining\u0173 veiksm\u0173, u\u017ekirst\u0173 keli\u0105 nepageidaujamiems pakeitimams ir apsaugot\u0173 proced\u016bras nuo i\u0161or\u0117s \u0161ali\u0173.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Pana\u0161iai blok\u0173 grandin\u0117 gali sujungti ERP (angl. Enterprise Resource Planning) programin\u0119 \u012frang\u0105 su kitomis programomis. ERP integracija leid\u017eia u\u017etikrinti auk\u0161\u010diausio lygio dalijim\u0105si duomenimis tarp sistem\u0173, kad padid\u0117t\u0173 produktyvumas ir \u012f\u017evalgos, kartu suteikiant pagrindin\u012f informacijos pagr\u012fstumo \u0161altin\u012f. Tai labai naudinga \u012fmon\u0117ms sekant i\u0161teklius ir duomenis.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Daugiau apie tai, kaip veikia blok\u0173 grandin\u0117 ir kaip palaikomi tokie sandoriai, skaitykite tolesniuose skyriuose.<\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\">Blok\u0173 grandin\u0117 ir DLT<\/h2>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Decentralizuoti finansai labai priklauso nuo paskirstyt\u0173j\u0173 apskaitos knyg\u0173 ir blok\u0173 grandin\u0117s. Papildoma pastaba: nepaisant to, kad paskirstytosios knygos technologija (DLT) ir blok\u0173 grandin\u0117 sutampa, jas reikia atskirti. Pagrindinis skirtumas yra tas, kad DLT neb\u016btinai turi b\u016bti naudojama atvira sistema, prie kurios gali prisijungti bet kas. DLT vie\u0161osios funkcijos arba neegzistuoja, arba yra labai ribotos.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">DLT operacijos gali b\u016bti neskaidresn\u0117s nei blok\u0173 grandini\u0173, ta\u010diau vis tiek suteikia daug galimybi\u0173 ir patogumo naudotis. Kitos decentralizuot\u0173 technologij\u0173 formos yra atviresn\u0117s visuomenei. DLT b\u016bt\u0173 naudingesn\u0117s bendrov\u0117ms arba ry\u0161iams su klientais ir kitiems tiesiogin\u0117s s\u0105veikos kanalams, kuriems reikia daugiau diskreti\u0161kumo.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Nepaisant b\u016bdingo skaidrumo, blok\u0173 grandin\u0117s technologijos taip pat u\u017etikrina duomen\u0173 saugum\u0105 ir privatum\u0105. Kadangi blok\u0173 grandin\u0119 da\u017eniausiai vie\u0161ai automatizuoja grie\u017et\u0105 prieig\u0105 prie jos turintys \u017emon\u0117s, ji palaiko nuolatin\u012f gr\u012f\u017etam\u0105j\u012f ry\u0161\u012f su kitais grandin\u0117s mazgais. I\u0161orinio ki\u0161imosi \u012f sistem\u0105 beveik n\u0117ra.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Veikdama sistema sukuria daug atskaitos ta\u0161k\u0173. Taip u\u017etikrinama, kad kiekvienas mazgas gal\u0117t\u0173 nuolat tikrinti duomenis ir b\u016bt\u0173 kuo ma\u017eiau klaid\u0173 ar nes\u0105\u017eining\u0173 veiksm\u0173. B\u016bdama tarpusavio sistema, ji gali b\u016bti decentralizuota alternatyva kitoms sandori\u0173 formoms.<\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\">Kriptovaliut\u0173 ir bir\u017e\u0173 programin\u0117s \u012frangos operacijos<\/h2>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Kaip min\u0117ta anks\u010diau, kriptovaliuta yra populiariausias blok\u0173 grandin\u0117s naudojimo b\u016bdas. Tod\u0117l kyla klausimas: kaip tokia sistema sukuria valiut\u0105 ir j\u0105 i\u0161gauna? Kaip skaitmenin\u0117 valiuta, bitkoinas ir kit\u0173 r\u016b\u0161i\u0173 elektroniniai piniginiai main\u0173 produktai yra skai\u010di\u0173 eilut\u0117.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">D\u0117l savo savaranki\u0161ko skaitmeninio pob\u016bd\u017eio jie n\u0117ra susieti su jokiu materialiu turtu, pavyzd\u017eiui, auksu ar sidabru. Jos taip pat neturi jokio esminio fizinio atvaizdo (nors kai kurios skaitmenin\u0117s valiutos gali b\u016bti pagamintos fizi\u0161kai pagal pageidavim\u0105). Jos taip pat yra savireguliuojamos savo pa\u010di\u0173 tinkle.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Kriptovaliut\u0173 operacijos vyksta \u0161iek tiek kitaip, nes jose n\u0117ra centralizuotos institucijos, kuri steb\u0117t\u0173 kiekvien\u0105 sandor\u012f. Kiekvienas blok\u0173 grandin\u0117s kompiuteris yra grandies dalis ir atnaujina vis\u0105 did\u017ei\u0105j\u0105 knyg\u0105, kad u\u017etikrint\u0173 sandori\u0173 galiojim\u0105. Kompiuteriai patys prisideda prie bloko, kasdami bitkoinus, nes sprend\u017eia sud\u0117tingus <a class=\"wl-entity-page-link\"  href=\"https:\/\/promoguy.nl\/lt\/blog\/vocabulary\/functions\/\" data-id=\"https:\/\/data.wordlift.io\/wl1503668\/entity\/functions\" >funkcijos<\/a> ir formul\u0117s. Kiekvienas i\u0161 \u0161i\u0173 \u012fra\u0161\u0173 kei\u010dia apskaitos knyg\u0105, i\u0161 naujo kalibruodamas kiekvieno mazgo duomenis. \u0160i kasybos veikla gali u\u017eimti nema\u017eai skai\u010diavimo galios.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">\u0160iame \"New York Times\" vaizdo \u012fra\u0161e i\u0161samiai paai\u0161kinama \u0161i koncepcija:<\/p>\r\n\r\n\r\n\r\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\">\r\n<div class=\"wp-block-embed__wrapper\">https:\/\/youtu.be\/0B3sccDYwuI<\/div>\r\n<\/figure>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">I\u0161 esm\u0117s kiekvienas tinklo kompiuteris lenktyniauja, kad i\u0161spr\u0119st\u0173 sud\u0117ting\u0105 matematin\u012f galvos\u016bk\u012f ir u\u017e tai u\u017edirbt\u0173 kriptovaliut\u0173. Pirmasis i\u0161sprend\u0119s \u0161iuos skai\u010diavimus sukuria oficiali\u0105, tiksli\u0105 apskaitos knyg\u0105. Sud\u0117tingi galvos\u016bkiai, kuriuos sprend\u017eia kiekvienas blok\u0173 grandin\u0117s mazgas, darosi vis sud\u0117tingesni, kai pridedama daugiau blok\u0173. Taip u\u017etikrinama, kad konkurencija tarp vis\u0173 blok\u0173 grandin\u0117s dalyvi\u0173 i\u0161likt\u0173 s\u0105\u017eininga.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Reikia nepamir\u0161ti, kad kriptovaliut\u0173 veikimas pasikeit\u0117 i\u0161 esm\u0117s.<\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\">Pagrindin\u0117 blok\u0173 grandin\u0117s terminologija<\/h2>\r\n\r\n\r\n\r\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" class=\"wp-image-7385\" src=\"https:\/\/promoguy.nl\/wp-content\/uploads\/2021\/02\/BC-700x445.png\" alt=\"Blok\u0173 grandin\u0117 Decentralizuoti finansai Kriptovaliuta\" \/><\/figure>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Kaip min\u0117ta anks\u010diau, blok\u0173 grandin\u0117s \u017eargonas gali b\u016bti bauginantis pa\u0161aliniams asmenims. Galima pasiklysti, klausiant: \"Kas yra statymo skai\u010diuokl\u0117?\", kriptovaliut\u0173 portfelis arba blok\u0173 grandin\u0117s testavimas. Laimei, mes esame \u010dia, kad atsakytume \u012f kai kuriuos i\u0161 \u0161i\u0173 miglotesni\u0173 termin\u0173.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">\u0160ie terminai gali b\u016bti labai svarb\u016bs norint suprasti Blockchain ir mokytis, kaip prekiauti bitkoinais pradedantiesiems.<\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li><strong>Bitcoin vs. Cryptocurrency<\/strong>: Nors kartais bendrin\u0117je kalboje jie vartojami pakaitomis, tai n\u0117ra tas pats. Bitkoinas yra labai specifin\u0117 1-osios kartos kriptovaliuta, tod\u0117l visi bitkoinai yra kriptovaliuta, bet ne visos kriptovaliutos yra bitkoinai.<\/li>\r\n\r\n\r\n\r\n<li><strong>Mazgas<\/strong>: Bet kuri\u0105 paskirstyt\u0105j\u0105 IT sistem\u0105 sudaro keletas nepriklausom\u0173 kompiuteri\u0173, vadinam\u0173 mazgais. Mazgai tarpusavyje bendrauja tinkle, kuriame n\u0117ra konkretaus centrinio mazgo.<\/li>\r\n\r\n\r\n\r\n<li><strong>Asimetrin\u0117 kriptografija<\/strong>: Asimetrin\u0117 kriptografija, dar \u017einoma kaip vie\u0161ojo rakto kriptografija, yra vienas i\u0161 blok\u0173 grandin\u0117s defi. Joje naudojama susijusi\u0173 rakt\u0173 pora: vienas vie\u0161asis raktas ir vienas privatusis raktas. \u0160ie raktai leid\u017eia saugiai u\u017e\u0161ifruoti ir i\u0161\u0161ifruoti prane\u0161imus ir apsaugoti juos nuo neteis\u0117tos prieigos ar naudojimo.<\/li>\r\n\r\n\r\n\r\n<li><strong>Konsensuso algoritmai<\/strong>: procesai, naudojami paskirstyt\u0173 proces\u0173 ar sistem\u0173 susitarimui d\u0117l vienos informacijos dalies pasiekti. Sutarimo algoritmai skirti patikimumui pasiekti tinkle, kuriame dalyvauja kelios nepatikimos \u0161alys.<\/li>\r\n\r\n\r\n\r\n<li><strong>Darbo \u012frodymas<\/strong>: Konsensuso mechanizmo tipas. \u0160iuo atveju kalnakasiai, naudodami savo skai\u010diavimo gali\u0105, sprend\u017eia matematin\u012f galvos\u016bk\u012f, kad gal\u0117t\u0173 dalyvauti bloko patvirtinimo procese.<\/li>\r\n\r\n\r\n\r\n<li><strong>Statymo \u012frodymas<\/strong>: Naudojant \"proof-of-stake\" konsensuso mechanizmus, kalnakasiams suteikiama teis\u0117 tvirtinti blokus. Pateikdami dal\u012f jau turimos valiutos, jie gali \u012ftraukti blok\u0105 \u012f grandin\u0119.<\/li>\r\n\r\n\r\n\r\n<li><strong>\u012egaliojim\u0105 patvirtinantis dokumentas<\/strong>: \u0160ioje konfig\u016bracijoje autoriteting\u0173 mazg\u0173 rinkinys gali kurti naujus blokus ir u\u017etikrinti blok\u0173 grandin\u0117s saugum\u0105. Dauguma \u0161i\u0173 mazg\u0173 pasira\u0161o ant grandin\u0117s, po to ji gali tapti nuolatinio \u012fra\u0161o dalimi.<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\">Kriptovaliutai b\u016bdingi terminai<\/h3>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li><strong>Kalnakasyba<\/strong>: Procesas, kurio metu \u012f sistem\u0105 \u012fleid\u017eiami nauji mazgai, esant darbo \u012frodymo sistemai.<\/li>\r\n\r\n\r\n\r\n<li><strong>Pinigin\u0117<\/strong>: Skaitmeninio turto, turin\u010dio adres\u0105 l\u0117\u0161oms si\u0173sti ir gauti, saugojimo vieta. Pinigin\u0117 gali b\u016bti internetin\u0117, neprisijungusi prie interneto arba fiziniame \u012frenginyje.<\/li>\r\n\r\n\r\n\r\n<li><strong>\u0160alta pinigin\u0117<\/strong>: Neprisijungusi pinigin\u0117, kuri n\u0117ra prijungta prie interneto. Tod\u0117l jos yra saugios nuo \u012fsilau\u017eim\u0173, kaip, pavyzd\u017eiui, fizin\u0117s laikmenos.<\/li>\r\n\r\n\r\n\r\n<li><strong>Kriptovaliut\u0173 portfelis<\/strong>: Programin\u0117 \u012franga, padedanti valdyti vis\u0105 internetini\u0173 investicij\u0173 inventori\u0173. Priklausomai nuo programin\u0117s \u012frangos, jose yra \u012fvairi\u0173 \u012franki\u0173, padedan\u010di\u0173 analizuoti atitinkam\u0173 valiut\u0173 rezultatus.<\/li>\r\n\r\n\r\n\r\n<li><strong>ICO<\/strong>: Pirminis monet\u0173 si\u016blymas - tai i\u0161ankstinis kriptovaliutos pirkimo pasi\u016blymas. Susidom\u0117j\u0119 investuotojai gali \u012fsigyti si\u016blym\u0173 ir gauti nauj\u0105 bendrov\u0117s i\u0161leist\u0105 kriptovaliutos \u017eeton\u0105.<\/li>\r\n\r\n\r\n\r\n<li><strong>Statymai<\/strong>: aktyvus dalyvavimas sandori\u0173 patvirtinimo procese (pana\u0161us \u012f kasyb\u0105) blok\u0173 grandin\u0117je \"proof-of-stake\" (PoS). Nors \u0161iose blok\u0173 grandin\u0117se kiekvienas, turintis minimal\u0173 tam tikros kriptovaliutos likut\u012f, gali patvirtinti sandorius ir gauti Staking atlyg\u012f.<\/li>\r\n\r\n\r\n\r\n<li><strong>Statym\u0173 skai\u010diuokl\u0117<\/strong>: Statym\u0173 skai\u010diuokl\u0117s nustato j\u016bs\u0173 Bitcoin statymo vert\u0119, atsi\u017evelgiant \u012f laiko poky\u010dius ir cryptocurrency vert\u0119. Pavyzd\u017eiui, jei kas nors nori su\u017einoti, ar ada statymas bus vertas per 3 metus, kai vert\u0117 per metus padid\u0117s 15%, skai\u010diuokl\u0117 i\u0161gaus vert\u0119, kuri\u0105 potencialiai gal\u0117t\u0173 tur\u0117ti.<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\">Kriptovaliut\u0173 bir\u017eos poky\u010diai<\/h2>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Per savo gyvavimo laikotarp\u012f kriptovaliuta patyr\u0117 nema\u017eai poky\u010di\u0173. Daugiausia ekspertai \u0161iuos poky\u010dius skirsto \u012f 3 kartas. Pirmin\u0117 technologija buvo daugeliu at\u017evilgi\u0173 grem\u0117zdi\u0161ka, o v\u0117lesni poky\u010diai suteik\u0117 efektyvesnes kasybos sistemas.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Pirmosios kartos blok\u0173 grandin\u0117s ir defi platformos veikia taip pat, kaip apra\u0161\u0117me pirmiau. Ta\u010diau \u0161ios sistemos tur\u0117jo toki\u0173 tr\u016bkum\u0173 kaip did\u017eiulis skai\u010diavimo galios naudojimas ir funkcionalumo, neapsiribojan\u010dio apskaitos knyg\u0173 steb\u0117jimu, stoka. Antrosios kartos kriptovaliutos, pavyzd\u017eiui, Ethereum, patobulino \u0161iuos dalykus kartu su sandori\u0173 sparta.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Pagrindin\u0117 pirmosios kartos blok\u0173 grandin\u0117s problema buvo proceso sud\u0117tingumas. I\u0161 prad\u017ei\u0173 skai\u010diavimai, sudarantys \"Bitcoin\" kasybos pagrind\u0105, buvo pernelyg sud\u0117tingi daugumai kompiuteri\u0173. Pavyzd\u017eiui, \"Bitcoin\" tur\u0117jo 1 i\u0161 16 trilijon\u0173 s\u0117kmingos kasybos tikimyb\u0119. D\u0117l to kriptovaliutos k\u016brimas ir perdavimas buvo kur kas l\u0117tesnis.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Naujos kartos \u012frenginiai buvo patobulinti ir tapo greitesni. Nors antrosios kartos kriptovaliutos vis dar nebuvo apdorojamos pakankamai greitai, kad gal\u0117t\u0173 konkuruoti su tokiomis mok\u0117jimo priemon\u0117mis kaip \"Visa\" ir \"PayPal\", jos buvo vienu \u017eingsniu auk\u0161\u010diau. \u0160i kli\u016btis stabd\u0117 blok\u0173 grandin\u0119 tapti pagrindiniu \u017eaid\u0117ju fintech rinkoje.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Prad\u0117jus naudoti \"blockchain 2.0\" technologij\u0105, ji buvo pritaikyta kitoms decentralizuotoms programoms. Tai matyti tokiose technologijose kaip Ethereum, kur blok\u0173 grandin\u0117s daugiafunkci\u0161kumas yra esminis privalumas. Tokie elementai kaip i\u0161maniosios sutartys pavert\u0117 j\u0105 perspektyvia technologija (apie tai pla\u010diau v\u0117liau).<\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\">Blok\u0173 grandin\u0117 3.0<\/h2>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Tre\u010diosios kartos decentralizuotos apskaitos knygos buvo didelis \u017eingsnis \u012f priek\u012f. Ji i\u0161sprend\u0117 daug problem\u0173, susijusi\u0173 su valiutos sandori\u0173 saugumu ir tuo, kaip padidinti \"Bitcoin\" kasybos greit\u012f. \u0160\u012f kart\u0105 daugiausia d\u0117mesio buvo skiriama mastelio keitimo problemoms spr\u0119sti.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Ankstesni\u0173 kart\u0173 technologijos veik\u0117 su dideliu bloko laiku, kuris rei\u0161kia laik\u0105, per kur\u012f informacija sukuria kit\u0105 grandin\u0117s blok\u0105. Kalbant apie kontekst\u0105, \"Bitcoin\" blokui sukurti reik\u0117jo 10 minu\u010di\u0173, o \"Ethereum\" - 20 sekund\u017ei\u0173. Tre\u010diosios kartos valiut\u0173 apskaitos knygos, pavyzd\u017eiui, Ada Cardano, tai daro i\u0161 esm\u0117s realiuoju laiku.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">\u0160\u012f mil\u017eini\u0161k\u0105 greit\u012f lemia naujesni\u0173 kriptovaliut\u0173 naudojama DAG (angl. Directed Acyclic Graph) sistema. \u0160ios sistemos gali skirtis priklausomai nuo kiekvienos valiutos specifikos, ta\u010diau vienas dalykas i\u0161lieka tas pats: jos yra aciklin\u0117s. Tai rei\u0161kia, kad informacija keliauja viena kryptimi, tod\u0117l labai suma\u017e\u0117ja blok\u0173 laikas ir energijos s\u0105naudos.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">D\u0117l to statymai Ada ar kitomis pana\u0161iomis valiutomis tampa kur kas greitesni. DAG ypatumus aptarsime kitame straipsnyje, kuriame paai\u0161kinsime, kod\u0117l ji veikia b\u016btent taip, kaip veikia. Viskas, k\u0105 jums reikia \u017einoti, yra tai, kad naujesn\u0117s DAG sandori\u0173 sistemos si\u016blo t\u016bkstan\u010dius sandori\u0173 per sekund\u0119, o tai yra \u0161uoliais daugiau nei \"Bitcoin\".<\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\">Decentralizuoto finansavimo projektai ir kiti panaudojimo b\u016bdai<\/h2>\r\n\r\n\r\n\r\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" class=\"wp-image-7382\" src=\"https:\/\/promoguy.nl\/wp-content\/uploads\/2021\/02\/What_is_Information_Technology-700x382.jpg\" alt=\"\" \/>\r\n<figcaption class=\"wp-element-caption\">Paveiksl\u0117lio autorius: monsitj | Kreditas: Getty Images\/iStockphoto<\/figcaption>\r\n<\/figure>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">\u010cia tikim\u0117s atkreipti d\u0117mes\u012f \u012f kai kurias praktines blok\u0173 grandin\u0117s taikymo sritis. Skaitmenin\u0117s paskirstytosios apskaitos knygos gali b\u016bti naudojamos ne tik decentralizuotai kei\u010diantis valiuta. Daugelyje \u0161i\u0173 sistem\u0173 naudojamos \u012fvairi\u0173 tip\u0173 decentralizuotos did\u017eiosios knygos technologijos.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Ypa\u010d kai kalbama apie pramon\u0117s \u0161akas ir duomen\u0173 saugum\u0105. <a href=\"https:\/\/promoguy.nl\/lt\/blog\/dutch-cyber-security-assessment-2019-key-takeaways\/\" target=\"_blank\" rel=\"noreferrer noopener\">duomenys rei\u0161kia, kad duomen\u0173 skaidrumo tr\u016bkumas ir pernelyg didelis pasikliovimas centralizuotomis duomen\u0173 baz\u0117mis<\/a> yra svarbi problema. \u0160iuolaikin\u0117s skaitmenin\u0117s apskaitos knygos gali pad\u0117ti i\u0161spr\u0119sti tokias problemas ir, jei \u012fmanoma, subalansuoti skaidrumo problemas. Jie taip pat gali pad\u0117ti u\u017etikrinti geresn\u012f kibernetin\u012f saugum\u0105.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Daugelis \u0161i\u0173 nauj\u0173 program\u0173 yra gana naujos, o kai kurios dar tik kuriamos. Turint tai omenyje, reikia jas vertinti atvirai, bet taip pat \u017ei\u016br\u0117ti \u012f jas kaip \u012f nebaigtus darbus. Be to, kas \u017eino, ar tokia sistema nebus pakeista ka\u017ekuo geresniu, ar nauja blok\u0173 grandin\u0117s kartos pa\u017eanga?<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\">Blok\u0173 grandin\u0117s finansini\u0173 paslaug\u0173 naudojimo atvejai<\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Finansai yra pagrindin\u0117 blok\u0173 grandin\u0117s ir paskirstytosios knygos technologij\u0173 naudos gav\u0117ja. Kaip informacijos perdavimo priemon\u0119, jau aptar\u0117me pagrindinius jos teikiamus privalumus. Daug \u012fvairi\u0173 skaitmenini\u0173 finans\u0173 sektoriaus dalyvi\u0173 daro pa\u017eang\u0105 naudodamiesi technologijomis, kurias apib\u016bdinome pirmiau.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Blok\u0173 grandin\u0117s entuziastai tvirtina, kad skaitmenin\u0117s knygos gali i\u0161spr\u0119sti daugel\u012f finansini\u0173 paslaug\u0173 sektoriaus sandori\u0173 ir duomen\u0173 patikimumo problem\u0173. \u0160i id\u0117ja yra nauja, o tam tikri atvejai, pvz. <a href=\"https:\/\/www.ing.com\/Newsroom\/News\/Blockchain-set-to-transform-collateral-lending.htm\" target=\"_blank\" rel=\"noreferrer noopener\">ING<\/a> rodo, kad yra gana perspektyvus.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">ING ir \"Credit Suisse\" pirm\u0105 kart\u0105 \u012fvykd\u0117 gyv\u0105 prekyb\u0105 vertybiniais popieriais blok\u0173 grandin\u0117s platformoje. Taip abu bankai gal\u0117jo apsikeisti 25 mln. eur\u0173 vert\u0117s auk\u0161tos kokyb\u0117s likvid\u017eiu turtu. Tai buvo dalis fintech HQLAx \u012fkaito skolinimo programos R3 \"Corda\" paskirstytosios knygos platformoje. Tokia programa gal\u0117jo pad\u0117ti jiems patenkinti naujus likvidumo reikalavimus ir lengvai juos konvertuoti \u012f grynuosius pinigus.<\/p>\r\n\r\n\r\n\r\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\r\n<p class=\"wp-block-paragraph\"><em>\"I\u0161 tikr\u0173j\u0173 skiriasi tai, kad reguliavimo institucija turi galimyb\u0119 tiesiogiai prisijungti prie did\u017eiosios knygos ir matyti vis\u0105 skaitmenin\u0119 sandorio istorij\u0105 - nuo jo kilm\u0117s vietos iki nuosavyb\u0117s ir atribut\u0173. Nebir\u017ein\u0117je aplinkoje, kuri tradici\u0161kai n\u0117ra tokia skaidri, tai gal\u0117t\u0173 padidinti visos finans\u0173 sistemos atsparum\u0105\", - sak\u0117 jis.<\/em><\/p>\r\n<cite>- sako Ivaras Wiersma, ING didmenin\u0117s bankininkyst\u0117s inovacij\u0173 skyriaus vadovas.<\/cite><\/blockquote>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\">Blok\u0173 grandin\u0117s atsarg\u0173 valdymas<\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Blok\u0173 grandin\u0117 suteikia precedento neturint\u012f prieinamumo, saugumo ir atskaitomyb\u0117s lyg\u012f. Nenuostabu, kad d\u0117l to \u0161i technologija tapo perspektyvi inventorizacijos sprendimams. Sand\u0117liai, transporto \u012fmon\u0117s, pa\u0161to ve\u017e\u0117jai ir t. t. - visi jie gali gauti naudos naudodamiesi decentralizuotomis sistemomis. Ypa\u010d kai reikia vykdyti operacijas, kurioms reikia didelio klient\u0173 skai\u010diaus, blok\u0173 grandin\u0117 padeda i\u0161laikyti anonimi\u0161kum\u0105 ir s\u0105\u017einingum\u0105.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Pana\u0161iai kaip ir decentralizuot\u0173 finans\u0173 atveju, blok\u0173 grandin\u0117 leid\u017eia tokiems subjektams, kaip sand\u0117liai, gamintojai, tiek\u0117jai, gamybos vietos, platinimo centrai ir ma\u017emenin\u0117s prekybos partneriai, u\u017emegzti tarpusavio ry\u0161\u012f, nuolat registruojant kiekvien\u0105 sandor\u012f. Tada visi \u012fra\u0161ai saugomi ir prieinami visiems tinklo nariams.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Vienas i\u0161 toki\u0173 pavyzd\u017ei\u0173 - IBM ir Abu Dabio naftos bendrov\u0117s bandomoji blok\u0173 grandin\u0117s tiekimo grandin\u0117s sistemos programa. Naujoji sistema leid\u017eia sekti naftos keli\u0105 nuo gavybos iki klient\u0173. Pakeliui ji tuo pa\u010diu metu automatizuoja sandorius, ma\u017eina s\u0105naudas ir kli\u016btis, susijusias su gabenimu.<\/p>\r\n\r\n\r\n\r\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\">\r\n<div class=\"wp-block-embed__wrapper\">https:\/\/youtu.be\/3SAUiMLRsXw<\/div>\r\n<\/figure>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Nors \u0161is procesas dar tik \u012fsib\u0117g\u0117ja, \"Blockchain\" taip pat suk\u0117l\u0117 bangas sand\u0117liavimo srityje. Ji praver\u010dia atsarg\u0173 valdymui, transportavimo steb\u0117jimui, logistikai ir duomen\u0173 autenti\u0161kumo nustatymui siekiant u\u017etikrinti saugum\u0105. Did\u017eiausias pasaulyje deimant\u0173 gamintojas (\"De Beers\") taiko <a href=\"https:\/\/www.reuters.com\/article\/us-anglo-debeers-blockchain-idUSKBN1IB1CY\" target=\"_blank\" rel=\"noreferrer noopener\">blok\u0173 grandin\u0117 - \u017eingsnis siekiant nutraukti kruvin\u0173j\u0173 deimant\u0173 pardavim\u0105.<\/a>. J\u0173 sukurta \"Tracr\" programa u\u017etikrina, kad j\u0173 \u012fsigyjam\u0173 brangakmeni\u0173 tiekimo grandin\u0117je ne\u012fvyko joki\u0173 nes\u0105\u017eining\u0173 veiksm\u0173.<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\">Blok\u0173 grandin\u0117s draudimo naudojimo atvejai<\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Draudimas gal\u0117t\u0173 pasinaudoti daugeliu Pramon\u0117s 4.0 naujovi\u0173. Ypa\u010d kai kalbama apie turto atsekamum\u0105, saugum\u0105 ir skaidrum\u0105, ERP integracija su blok\u0173 grandine gali b\u016bti labai naudinga. Blok\u0173 grandine paremtas \u012fmoni\u0173 i\u0161tekli\u0173 planavimas gali b\u016bti puikus kelias draudimo pramon\u0117je, leid\u017eiantis atviram autonominiam tinklui apgalvoti varginan\u010dius skai\u010diavimus.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Pagal ataskait\u0105, kuri\u0105 pareng\u0117 <a href=\"https:\/\/consensys.net\">ConsenSys<\/a>, 46% draudik\u0173 tikisi integruoti blok\u0173 grandin\u0119 per ateinan\u010dius dvejus metus. Be to, dar 84% draudik\u0173 nurodo, kad blok\u0173 grandin\u0117 ir i\u0161maniosios sutartys gal\u0117t\u0173 \"i\u0161 esm\u0117s pakeisti j\u0173 bendravimo su naujais partneriais b\u016bd\u0105\". Papras\u010diau tariant, draudimo bendrov\u0117s jau nagrin\u0117ja \u0161ias galimybes.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Taip pat 2017 m. buvo \u012fsteigta Blockchain draudimo pramon\u0117s iniciatyva (B3i). J\u0105 sudar\u0117 grup\u0117 garsi\u0173 Europos draudimo ir perdraudimo bendrovi\u0173, \u012fskaitant \"Aegon\", AIG, \"Allianz\", \"Munich Re\" ir \"Swiss Re\". B3i, kurios suinteresuotosios \u0161alys yra daugiau kaip 40 bendrovi\u0173, steng\u0117si sukurti i\u0161mani\u0173j\u0173 sutar\u010di\u0173 sistem\u0105.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Ji si\u016blo turto katastrof\u0173 perteklinio nuostoli\u0173 perdraudimo draudim\u0105, kuris greitai suderina s\u0105skaitas tarp draudiko ir jo perdraudik\u0173 su minimaliu atleidimu ar v\u0117lavimu. Po \u012fvykio nukent\u0117jusioms \u0161alims i\u0161mokos apskai\u010diuojamos automati\u0161kai. Toks automatizavimas atlaisvina svarbius i\u0161teklius ir taupo abiej\u0173 \u0161ali\u0173 laik\u0105.<\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\">Kriptovaliut\u0173 augimo potencialas<\/h2>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Kaip rodo naudojimo atvejai, susidom\u0117jimas yra did\u017eiulis \u012fvairiuose sektoriuose. Kriptovaliutos vis dar yra pagrindinis blok\u0173 grandin\u0117s panaudojimo b\u016bdas, ta\u010diau matome daug rinkos dalyvi\u0173. Kadangi technologija vystosi, visada bus pakartojim\u0173, patobulinim\u0173, nes\u0117kmi\u0173 ir s\u0117kmi\u0173.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Jei atkreiptume d\u0117mes\u012f \u012f decentralizuot\u0173 finans\u0173 naujien\u0173 tendencijas, pamatytume, kad daug triuk\u0161mo kyla d\u0117l rinkos pakilim\u0173 ir nuosmuki\u0173. Jei dabartin\u0117s tendencijos yra koks nors rodiklis, reikia atkreipti d\u0117mes\u012f \u012f tre\u010diosios kartos kriptovaliutas.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><strong>KAIP<\/strong>, ta\u010diau tai susij\u0119 su tam tikra i\u0161lyga: akivaizdu, kad jokiai kitai valiutai dar nepavyko pasiekti tokio sud\u0117tingumo kaip \"Bitcoin\" tinklai. Tai suteikia jai precedento neturint\u012f saugumo lyg\u012f. Vis d\u0117lto ji atsilieka \u012fvairiomis kitomis savyb\u0117mis (vis\u0173 pirma mastelio keitimo galimyb\u0117mis). Be to, \"Cardano\" skelbia, kad j\u0173 <a href=\"https:\/\/eprint.iacr.org\/2016\/889.pdf\">Ouroboros<\/a> blok\u0173 grandin\u0117s protokolas gali prilygti \"Bitcoin\" saugumo garantijoms.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Kriptovaliut\u0173 yra t\u016bkstan\u010diai, o rinka nuolat auga. Prie\u0161 kur\u012f laik\u0105 buvo manoma, kad Ethereum aplenks Bitcoin, ta\u010diau dabar tokios valiutos kaip Cardano stumiamos kaip \"Ethereum \u017eudik\u0117s\".<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Apibendrinant galima teigti, kad augimo potencialas yra neribotas, ta\u010diau \u0161ioje rinkoje bus laim\u0117toj\u0173 ir pralaim\u0117toj\u0173. Investuokite i\u0161mintingai.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><strong>Kitas straipsnis<\/strong>: aptarsime statym\u0173 pagrindus, kriptovaliut\u0173 vertinim\u0105 ir kaip prad\u0117ti prekiauti bitkoinais pradedantiesiems.<\/p>","protected":false},"excerpt":{"rendered":"<p>\u0160is straipsnis bus pagrindinis \u012fvairi\u0173 kriptovaliut\u0173 ir blok\u0173 grandin\u0117s kart\u0173 paai\u0161kinimas fintech rinkoje.<\/p>","protected":false},"author":1,"featured_media":15710,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"wl_entities_gutenberg":"","footnotes":""},"categories":[12,21,20],"tags":[369,368,367],"wl_entity_type":[47,54,45,51],"class_list":["post-7339","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blockchain","category-cryptocurrency","category-cyber-security","tag-blockchain","tag-decentralised-finance","tag-defi","wl_entity_type-article","wl_entity_type-faq-page","wl_entity_type-local-business","wl_entity_type-news-article"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.8 (Yoast SEO v27.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>What is Defi: Decentralised Finance &amp; 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