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来源：NodeDAO 作者：周鹏 智能合约授权的去中心化金融（DeFi）的旺盛炒作与加密资产的过度风险交织在一起，包括可替代代币（加密货币）和不可替代代币（NFTs）。持有加密资产的一个众所周知的风险是价格波动。例如，2022年5月，比特币和以太坊在Terra Luna（其价格暴跌99.9%）崩盘后的动荡月份，分别下跌27.3%和38.1%。持有加密资产的另一个臭名昭著的风险是网络攻击。仅在2021年就有约100亿美元因黑客和诈骗而损失（Elliptic, 2022）。 为了减轻加密资产的高风险，一个明显的处方是诉诸保险，与中心化金融（CeFi）中传统资产的损失保险相同。然而，世界上几乎所有的传统保险公司都不愿意为加密资产承保--传统的CeFi行业和政府监管机构甚至不承认加密资产是资产（HMRC, 2021）。因此，DeFi生态系统被迫开发自己的保险项目，以满足在智能合约的帮助下分担风险和减轻损失的迫切需求。 尽管对加密资产保险有真正的需求，但DeFi保险的发展却长期滞后于整个加密资产市场。 如图1所示，保险的总价值锁定（TVL）只占DeFi总体的1.29%。相比之下，CeFi保险的总资产占CeFi资产的8.6%（Statista, 2022）。这种差距表明，DeFi保险的发展是极其不平衡的，一定有一些独特的障碍阻碍了保险在DeFi中的发展。 因此，本文旨在解决以下两个问题： 1.阻碍DeFi保险发展的主要难题是什么？ 2.对于DeFi保险的这些难题，有哪些潜在的解决方案？ 图1: |
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