TurboLoop vs Aave vs Compound: Kwatancen Samun Riba a Bangare-daya

Idan ka yi wani lokaci kana binciken yadda ake samun riba a DeFi, suna guda uku suna fitowa a kullum: Aave, Compound, da (sai dai yanzu) TurboLoop. Ana haɗa su a cikin jagororin masu farawa a matsayin " wuraren samun riba akan stablecoins," amma suna da tsarin aiki daban-daban sosai da ke bauta wa masu amfani daban-daban.

Wannan labarin ba zai zaba wanda ya fi kyau ba. Yana bayanin samfuran guda uku don ka zabi wanda ya fi dacewa da yanayinka — da kuma yadda za ka amsa tambayar da al’ummarka za ta yi ƙarshe: "Me yasa TurboLoop maimakon Aave?"

Samfuran guda uku a cikin jumla guda kowanne

• Aave: Tsarin kasuwar kuɗi. Kana ba da lamuni, wasu suna karɓar lamuni da kari, kai kuma kana samun riba daga kuɗin da masu lamuni ke biya. Yana aiki a Ethereum da wasu L2s da dama.
• Compound: Kamar tsarin Aave ne (tsohon ne — Compound ya fi Aave shekaru). Wani rukunin bayar da lamuni da ƙimar riba mai canzawa da aka ƙayyade ta amfani da amfani.
• TurboLoop: Tsarin rabon kuɗaɗe ne. Kana ba da gudummawar ruwa, tsarin yana samar da kuɗaɗe daga ainihin ayyukan tattalin arziki (kuɗin musayar, kuɗin shiga na hanyar shiga, lada na LP), kuma kana karɓar rabonka na wannan kuɗaɗen.

Babban bambanci: Aave da Compound suna samun riba daga masu lamuni. TurboLoop yana samun riba daga amfani da tsarin. Dama dai riba guda ɗaya, asalin tushen daban.

Ina riba take fitowa daga

Wannan shi ne muhimmin tambayar da ya kamata a yi game da kowanne tsarin samun riba, kuma amsoshin su suna bambanta waɗannan guda uku sosai.

Aave / Compound — Riba daga masu lamuni

Lokacin da ka saka USDC a Aave, wannan USDC zai kasance a shirye don wasu su karɓa da lamuni da kari (yawanci suna da ƙarin kari — suna sanya $150 na ETH don karɓar $100 na USDC). Suna biya riba akan lamunin. Tsarin yana ɗaukar ƙananan kaso; sauran na tafi ga masu saka jari kamar kai.

Wannan na nufin ribar Aave/Compound tana dogara ne akan buƙatar masu lamuni. Lokacin da kasuwanni ke da zafi kuma masu kasuwanci na son amfani da leverage, buƙata na ƙaruwa kuma ƙimar riba na iya kaiwa 8-12% ROI. Lokacin da kasuwanni ke sanyi, buƙata na raguwa kuma ƙimar riba na iya sauka zuwa 1-3% ROI.

TurboLoop — Kuɗaɗen daga ayyukan tsarin

Lokacin da ka saka USDT/USDC a TurboLoop, babban jarin ka yana tallafawa tsarin ruwa na tsarin. Tsarin yana samar da kuɗaɗe ta hanyoyi guda uku:

1. Lada na LP daga rukunin USDC/USDT (kuɗin daga kowane musayar da aka yi)
2. Kuɗin Turbo Swap (0.3% akan kowanne musayar da aka yi ta DEX)
3. Kuɗin Turbo Buy (riba akan hanyar shiga fiat zuwa crypto)

Ribar ka ita ce rabonka na wannan kuɗaɗen da tsarin ke samu gaba ɗaya. Ba ta dogara da buƙatar masu lamuni ba saboda babu masu lamuni.

Wannan bambanci ne mai zurfi fiye da yadda ƙimar riba guda ɗaya ke nuna. Ribar Aave tana iyakancewa da yawan leverage da masu kasuwanci ke son yi a kowane lokaci. Ribar TurboLoop tana iyakancewa da ayyukan gaba ɗaya na tsarin — wanda ke da alaƙa da girman al’umma da yadda ake amfani da hanyar shiga fiye da yanayin kasuwa.

Tsarin haɗarin da suka bambanta

Aave / Compound — Hadarin smart contract + haɗarin abokin ciniki

Kwamitin an yi masa cikakken bincike kuma an gwada shi sosai (dukkan suna da shekaru 5+ suna aiki kuma sun tsira daga wasu lokuta masu matsananci). Sauran haɗarin:

• Kuskuren smart contract — Duk biyu sun taba samun kurakurai a baya. Aave ya yi wani sanyi a wasu kadarori a 2022. Compound ya yi kuskuren rabon COMP a 2021 wanda ya aika da kusan $80M zuwa ga masu amfani ba da niyya ba.
• Bashi mara kyau — Idan kari na mai lamuni ya faɗi ƙasa da ƙimar liquidate cikin sauri fiye da yadda masu liquidate za su iya amsawa, tsarin zai ɗauki asarar. Wannan ya faru (Compound, Mayu 2021 — ~$60M).
• Hari na shugabanci — Duk biyu suna dogara ne da shugabancin masu riƙe da token, wanda ke nufin mai riƙe da token mai yawa zai iya tura ƙara mai cutarwa. Akwai kayan aikin da ke yiwuwa don yin wannan.

TurboLoop — Hadarin smart contract kawai

Mallakar TurboLoop an yi wa ƙarya — babu shugabanci, babu hanyar sabunta tsarin, babu aikin admin. Sauran haɗarin:

• Kuskuren smart contract — An yi masa bincike, amma yana ƙasa da shekaru fiye da Aave/Compound. An yi gwajin Smart Contract Challenge na $100K a matsayin bincike na jama’a mai ci gaba.
• Bashi mara kyau — Ba ya aiki a nan. Babu masu lamuni, babu kari, babu tsarin liquidate. Ba a samu "bashi mara kyau" ba a nan.
• Hari na shugabanci — Ba ya aiki a nan. Babu shugabanci.

Wannan ba zai nufin "TurboLoop ya fi kyau" ba ne — gwajin Aave na gaskiya ne kuma mai amfani, kuma kasancewa a Ethereum yana ba shi damar samun matakin decentralization na Ethereum. Hakan na nufin ƙananan lambar da ke da sauƙin hari fiye da tsohuwar lamba mai fasali da yawa.

Dacewa da masu amfani

Tsarin guda uku suna bauta wa masu amfani daban-daban sosai:

Aave / Compound — Masu amfani masu ƙwarewa da ke da matsayi da dama a cikin ƙungiyoyi daban-daban. Kana son samun riba akan stablecoins masu zaman kansu, kana iya kuma lamuni da ETH don leverage mai tsawo, kana jin daɗin Etherscan da tsarin gas. UX ɗin yana tsammanin ka san menene "health factor". Kana biya $20-50 a gas a kowanne saka/ja daga Ethereum mainnet (ƙasa da haka a L2s).

TurboLoop — Masu amfani da ke son samun riba akan stablecoins ba tare da wahala ba. Tsarin yana haɗa da compound na atomatik, yana da hanyar fiat da ke ciki don masu amfani da ba su da crypto su shiga da kuɗin su na gida, kuma yana gudana a BSC inda gas ke kuɗi na ƙananan. Tsarin referral na matakai 20 yana gina tsarin rarraba al’umma. Aave da Compound ba su da daidaito — su ne tsare-tsaren kuɗi na asali ba tare da tsarin gina al’umma ba.

Idan kai mai amfani ne a Ethereum tare da matsayi da dama a cikin tsarin, Aave da Compound suna haɗuwa da wannan tsarin yadda ya kamata. Idan kana gina matsayi na dogon lokaci daga ƙungiya guda ɗaya da ke da tsarin sauƙi, tsarin TurboLoop ya fi dacewa.

Farashin aiki

Gas yana ɗaya daga cikin muhimman ɓangarorin lissafin riba, musamman ga ƙaramin matsayi.

A Aave/Compound (Ethereum mainnet): Saka + haɗa guda ɗaya + janye kusan $40-80 a gas a rana mai kyau. Idan matsayinka na $1,000 yana samun 5% ROI, wannan yana nufin $50 a shekara a riba da $40-80 a gas — ribarka na ƙasa da komai. Kana buƙatar matsayi na $5,000+ kafin gas ya zama ƙaramin matsala.

A TurboLoop (BSC): Hanyoyi guda uku suna kashe kusan $0.50-1.00 gaba ɗaya. Gas ba shi da tasiri sosai ko da ga ƙaramin matsayi. Wannan ne dalilin da ya sa tsarin da ke a BSC ya zama hanyar shiga ta asali ga masu amfani a kasuwannin da ke tasowa — gas na Ethereum mainnet yana da tsada sosai ga ƙananan matsayi.

Menene game da Aave/Compound a L2s?

Aave yana aiki a Arbitrum, Optimism, Polygon, Base, da sauransu. Kuɗin gas a nan suna kusan daidai da na BSC ($0.10-1.00 a kowanne aiki). Wannan ya rage bambanci sosai.

Sauran bambance-bambancen sun ta'allaka da:

• Samun riba — riba daga masu lamuni vs rabon kuɗaɗe. Suna da yanayi daban-daban.
• Tsarin al’umma — Aave/Compound ba su da shi; tsarin referral na matakai 20 na TurboLoop + Zoom na al’umma + Shirin Gabatarwa na Gida suna da muhimmanci ga tsarin.
• Shiga cikin tsarin — Aave yana tsammanin kana da crypto a hannunka. TurboLoop's Turbo Buy yana magance fiat zuwa crypto a cikin wannan interface ɗin na saka.

Wannan ba su da kyau ko mara kyau — su ne bambance-bambancen da ba su da tasiri a matsayin ƙarshe.