什么是Defi钱包，它如何工作？

在过去的几年中，加密货币已变得非常流行，因此，分散的金融（DEFI）空间也爆炸了。

Cryptocurrency has become incredibly popular over the past few years, and as a result, the decentralized finance (DeFi) space has also exploded in popularity. Fueling this explosion in a major way is the DeFi core principle of removing intermediaries and empowering individual users to borrow, lend, trade, and even earn yields directly on blockchain networks.

在过去的几年中，加密货币已变得非常流行，因此，分散的金融（DEFI）空间也爆炸了。以主要方式加剧这种爆炸的是消除中介机构并授权各个用户借入，借入，贸易甚至直接在区块链网络上赚取收益率的原则。

However, to access these protocols and the DeFi platforms that power them, you’ll need a safe and reliable DeFi wallet. This is a specialized tool that connects you to smart contracts. That might sound complicated, but we’ll make sure it’s easy to digest. You’ll get the answer to “What is a defi wallet?” and learn how they manage your crypto assets.

但是，要访问这些协议和为它们供电的Defi平台，您需要一个安全可靠的Defi钱包。这是一种将您与智能合约联系起来的专业工具。这听起来可能很复杂，但是我们会确保它易于消化。您会得到“什么是Defi钱包？”的答案。并了解他们如何管理您的加密资产。

What is a DeFi Wallet?

什么是Defi钱包？

A DeFi wallet is a self-custody wallet, whether software or hardware, that stores your private keys and acts as a Web3 provider in compatible applications. This differs from a custodial wallet or exchange wallet, since a DeFi wallet app gives you complete control over your keys, so you are the only person who can authorize or deny transactions connected to that wallet.

Defi Wallet是一个自我顾客钱包，无论是软件还是硬件，它都会存储您的私钥，并在兼容应用程序中充当Web3提供商。这与托管钱包或交换钱包不同，因为Defi Wallet应用程序可让您完全控制钥匙，因此您是唯一可以授权或拒绝连接到该钱包的交易的人。

Most of these wallets operate as a simple browser extension (one of the most popular being Metamask), mobile apps like Coinbase Wallet, and hardware wallets like Ledger and Trezor.

这些钱包中的大多数都是简单的浏览器扩展程序（最受欢迎的元邮件之一），诸如Coinbase Wallet之类的移动应用程序以及Ledger和Trezor等硬件钱包。

When you visit a DeFi platform or interact with decentralized applications within the DeFi ecosystem, like a lending protocol, decentralized exchange, or yield farm, your wallet will prompt you to review and sign (authorize) transactions directly on-chain. This direct, instant connection to smart contracts allows you to move assets quickly, providing liquidity and earning rewards without being dependent on centralized intermediaries.

当您访问Defi平台或与Defi生态系统中的分散应用程序进行交互时，例如贷款协议，分散交易所或收益农场时，您的钱包将提示您直接在链上进行查看和签名（授权）交易。与智能合约的这种直接的即时连接使您可以快速移动资产，提供流动性并赚取奖励，而无需依赖集中式中介机构。

How Does a DeFi Wallet Work?

Defi钱包如何工作？

A DeFi wallet app works more or less the same way as any other crypto wallet. It manages a pair of cryptographic “keys”, your public key, which is your wallet address, and your private key, which is your signature authority.

Defi Wallet应用程序的工作方式或多或少与其他任何加密钱包相同。它管理了一对密码“钥匙”，您的公共密钥，即您的钱包地址和您的私钥，这是您的签名权限。

When you initiate or interact with a DeFi app that acts like swapping, the wallet creates a transaction payload and then prompts you to sign it with your key. This is typically just a single click or a tap, making it incredibly easy, but also introducing some risks.

当您启动或与诸如交换之类的Defi应用程序进行交互时，钱包会创建事务有效载荷，然后提示您使用密钥签名。这通常只是单击或抽头，使其变得非常容易，但也引入了一些风险。

This signature is the blockchain proof that you own the transaction and that it’s authorized, without having to disclose your private keys. The wallet then broadcasts authorized transactions to the network, where nodes then validate it and execute the corresponding smart contract.

此签名是区块链证明您拥有该交易并已授权，而无需透露您的私钥。然后，钱包将授权的交易广播到网络，然后在那里节点验证它并执行相应的智能合约。

Once the transaction is verified, the wallet then updates your balances and position. Beneath this process is a massive array of Web3 libraries and providers that help bridge your wallet to DeFi applications.

一旦验证了交易，钱包就会更新您的余额和位置。在此过程之下，是一系列庞大的Web3库和提供商，可帮助您的钱包桥接到Defi应用程序。

Source: WonderFi

资料来源：Wonderfi

What is a DeFi Wallet Used for?

Defi钱包用什么？

A DeFi wallet is used to interact with smart contracts and decentralized protocols on a blockchain. It allows users to manage their crypto assets, authorize transactions, and participate in various DeFi services.

DEFI钱包用于与区块链上的智能合约和分散协议进行交互。它允许用户管理其加密资产，授权交易并参与各种Defi服务。

Here are some of the main uses of a DeFi wallet:

这是Defi钱包的一些主要用途：

Connecting to Decentralized Applications (DApps)

连接到分散应用程序（DAPP）

Decentralized applications, also known as DApps, are software programs that run on a decentralized network, such as a blockchain. They offer a wide range of financial services, including trading, lending, borrowing, yield farming, and more. To access these DApps, you need a DeFi wallet that can connect to the respective blockchain network and interact with the smart contracts powering the DApps.

分散的应用程序（也称为DAPPS）是在分散网络（例如区块链）上运行的软件程序。他们提供广泛的金融服务，包括交易，贷款，借贷，产量耕种等。要访问这些DAPP，您需要一个可以连接到相应区块链网络的Defi钱包，并与为DAPP提供动力的智能合约进行交互。

For example, if you want to use a decentralized exchange (DEX) like Uniswap or SushiSwap to swap tokens, you’ll need a DeFi wallet to authorize the transaction and interact with the DEX’s smart contract. Similarly, if you want to lend or borrow cryptocurrency on a protocol like Aave or Compound, your DeFi wallet will be used to deposit or withdraw funds and manage your lending/borrowing positions.

例如，如果您想使用分散的交易所（DEX）（例如uniswap或sushiswap）交换令牌，则需要一个defi钱包来授权交易并与DEX的智能合约进行交互。同样，如果您想在AAVE或化合物等协议上借出或借用加密货币，则您的Defi钱包将用于存入或撤回资金并管理您的贷款/借贷职位。

Storing Private Keys and Securing Assets

存储私钥和确保资产

Crucially, a DeFi wallet is a self-custody wallet, meaning that you maintain complete control over your private keys. These keys are used to generate your public address, which is like your account number at a bank.

至关重要的是，Defi Callet是一个自我顾客钱包，这意味着您可以完全控制对私钥。这些密钥用于生成您的公共地址，就像您在银行的帐号一样。

In contrast, centralized exchanges or custodial wallets hold your private keys on your behalf, making them vulnerable to theft or fraud. When you use a DeFi wallet, you are the sole authorized party for any transactions outgoing from that wallet balance.

相比之下，集中的交易所或托管钱包代表您拿着私钥，使其容易受到盗窃或欺诈的攻击。当您使用Defi Wallet时，您是该钱包余额外部的任何交易的唯一授权方。

This level of security is paramount in the decentralized finance space, where scams and exploits are unfortunately prevalent. A hardware wallet, like Ledger Nano S Plus or Trezor Model One, provides an additional layer of security by storing your private keys on a physical device that is not connected to the internet.

在分散的融资领域中，这种安全性至关重要，不幸的是，骗局和利用很普遍。硬件钱包，例如Ledger Nano S Plus或Trezor Model One，通过将私钥存储在未连接到Internet的物理设备上，从而提供了额外的安全性。

This makes it nearly impossible for hackers to steal your funds, even if they gain access to your computer or mobile device.

这几乎使黑客无法访问您的计算机或移动设备，也几乎不可能窃取您的资金。

Types of DeFi Wallets

Defi钱包的类型

Software wallets

软件钱包

Software wallets store your private keys locally on a connected device, giving you instant access to DeFi protocols.

软件钱包本地将私钥存储在连接的设备上，使您可以立即访问DEFI协议。

Source: Metamask.io

资料来源：metamask.io

Hardware wallets

硬件钱包

Hardware wallets like the Ledger Nano S Plus and Trezor Model One store private keys in a tamper‑

硬件钱包，例如Ledger Nano S Plus和Trezor Model One Store私人钥匙