5 Top Aplicativos DeFi populares para empréstimos, negociações, NFTs em 2025
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Some investors thought that decentralized finance peaked in late 2020. However, what really happened was that this was just the prelude to a bull run. Today, dozens of protocols compete to be the most popular DeFi applications, and new protocols emerge regularly. These projects open up many new earning opportunities for users, better token economics, and opportunities for democratized governance.
The editors of cryptomais.com will talk about several popular protocols that are worth paying attention to.
Examples of popular DeFi applications in different directions in March 2023:
Ethereum, Optimism, Decision, BSC, etc. (19 nets in total)
FISH
RosaSale
IDO Platform
BSC, Ethereum, Avalanche, Polygon, Gnose
PINK SALE
Synthetics
Synthetic Tokens
Ethereum, Optimism
SNX
Alchemyx
Synthetic Tokens
Ethereum, Optimism, Fantom
ALCX
What is DeFi?
Decentralized finance is a translation of traditional financial systems, such as banks and brokerages, that use cryptocurrencies. Many of these applications are based on blockchains. Ethereum, Binance Smart Chain, Polkadot, Polygon, Solana, Avalanche, Fanton, Cosmos. DeFi operates without any intermediary service controlling the entire system.
For example, let’s take the lending function. In DeFi, users lend to each other and earn interest, the rate of which fluctuates depending on market conditions, in a fully automated way. Lending and borrowing are among the most common use cases for DeFi applications. But there are other ways to make money on this surface. For example, by providing liquidity to DEXs.
In many cases, decentralized finance offers better rates on loans and deposits than traditional banks, and most importantly, the barrier to entry is significantly lower. DeFi protocols do not care about the user’s credit history. Another proof of creditworthiness is collateral. If the client does not re-forward the loan, their collateral is simply liquidated.
Let’s look at several of the broader categories of DeFi applications and their prominent representatives (the rest are in Coinage and Coinmarketcap).
1 DeFi Applications for Trading
PancakeSwap DeFi App
Centralized cryptocurrency exchanges have a number of disadvantages, and they are all associated with one factor – the management of the centralized body. This is equivalent to keeping money in a bank – the funds are under the control of a certain company. In addition to the custody function, the broker also performs the functions of a market preceptor, that is, it corresponds to the orders of users who want to buy and sell assets. The centralized broker is responsible for listing assets, providing liquidity and everything else.
In the case of decentralized exchanges (DEX), trading is entirely peer-to-peer. The platform is controlled by software, and the platform is controlled by the user. DEXs do not require the user to undergo KYC verification or registration, nor provide any information about their income.
Thus, decentralized brokers operate automatically or semi-automatically. General phenomenon – AMM, father of automatic market, allowing you to do without an order book. Participants interact directly with each other by connecting to the network using a web3 wallet.
NFT NFTs are non-fungible tokens that have significant differences from regular digital tokens. The most important difference is that each NFT is unique, has its own value, and cannot be replaced by another. In this way, they resemble works of art, so it is not surprising that this tool plays a vital role in the world of digital art today.
NFTs can run on Ethereum, Binance Smart Chain, or another blockchain. The implementation is such that the token code contains the parent’s wallet address, as well as other parameters – for example, the amount of royalties. Subsequently, the parent will receive royalties for each resale.
Anything can be attached to an NFT token: paintings, videos, music, and even physical objects, be it clothes or an apartment. At the moment, the technology has reached its peak popularity in the field of digital art.
To create and sell non-fungible tokens, there are special platforms that operate in a decentralized manner and receive only a small percentage of the commission from each sale. NFTs can be sold at a fixed price or through auction.
One of the main arguments used to discredit cryptocurrencies is their high volatility. But solutions to this problem have long been developed – stablecoins or stablecoins. Their value is usually pegged to traditional currencies, such as the dollar, and they are essentially a type of synthetic asset. Today, the total capitalization of stablecoins exceeds $128 billion and is definitely one of the fundamental components of the cryptosphere.
There are several different types of stablecoins, based on what underpins their value. Tokens can be backed by real fiat funds in the issuing company’s bank accounts. They can be backed by cryptocurrencies, using collateral that necessarily exceeds the issuance (in case of currency fluctuations). They can be backed by gold or other commodities.
Finally, a popular option is algorithmic stablecoins. Its value is maintained mechanically by a smart contract. If the program notices that the exchange rate is rising, it therefore increases emissions and vice versa.
Examples of DeFi applications that issue stablecoins:
Another common option for working with decentralized finance is the creation of tokenized shares or other assets. The resulting tokens are commonly called synthetic assets. They allow the use in DeFi protocols of things that could not be used in this way under normal conditions – company shares, gold, oil, and, of course, fiat currencies, cryptocurrencies, indices.
A synthetic asset (“synth”) is a derivative whose value depends on the value of the underlying asset and is tracked through blockchain oracles. Tokenized stocks are becoming a popular investment method due to improved security and traceability.
With decentralized lending, anyone can take out a loan without revealing their identity and without going through creditworthiness checks, official employment, etc.
At the same time, credit protocols allow you to earn money by lending your assets to others. In short, it works like this: lenders contribute cryptocurrencies to a common pool. Borrowers lend funds from this pool at interest. This interest is paid to lenders. It all happens automatically based on a smart contract.
A major disadvantage of DeFi lending is that collateral is required to receive funds, which in some cases can be as high as 200% of the amount received. This way, the project is protected in the event of a sharp drop in the value of the cryptocurrency deposited as collateral.
What applications are there for working with decentralized finance?
There are several categories, the most popular are credit and trading applications. Protocols that allow working with stablecoins, tokenized shares, and NFTs are also in demand.
What is the difference between decentralized and centralized exchanges?
All operations on them are performed according to a predetermined algorithm laid down in the smart contract. Liquidity is provided by users. No account verification is required.
What are NFT platforms used for?
Here you can quickly create, sell and buy non-fungible tokens in the form of digital art. This is often a good investment.
What are decentralized stablecoins?
These are stablecoins (pegged to a fiat currency or other asset by value), which are issued through smart contracts and do not have a centralized issuer. As a rule, the exchange rate is backed by cryptocurrency collateral or algorithms.
How do tokenized shares work?
Using DeFi protocols, you can create tokens based on absolutely any asset (they will be called synthetic assets) and then trade them freely on decentralized markets.
How does lending work in DeFi?
It is based on a credit pool, in which, by placing assets, the lender can receive interest. The borrower withdraws funds from this pool with interest, leaving a collateral in cryptocurrency, which will be liquidated if the loan is not re-brokered.
Conclusion
DeFi applications are designed to replicate traditional financial services on the blockchain, whether it’s high-yield savings accounts, asset exchanges, or stock trading. New decentralized financial products and services are likely to emerge. The prerequisites for this already exist, such as new ways to pay online content creators and more. We’ve covered the most popular DeFi applications to showcase the opportunities available in the market. This is not financial advice, so always remember to do your own research to get the best opportunities.
