Yadda yake aiki Ajiya Lamuni A cikin wallet
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Ajiya da lamuni ba tare da banki ba

$5,000 daga iska: riƙe $10,000 a bitcoin — kuma ajiye $5,000 a aljihu

Ka yi tunanin: kana da $10,000 kuma ka yanke shawarar saya bitcoin don riƙewa. A hoto na yau da kullum ka ɗauki dubu goma ka binne su na shekaru biyu. A Mitilena Wallet za ka iya ɗaukar lamuni jinginar bitcoin — ba banki, ba takardu, ba kira, ba binciken kuɗin shiga. Saya bitcoin na $10,000, sanya jingina, ɗauki $5,000 akan 4-5% APR. Dubu goma yana ci gaba da zama naka kuma yana samu a kowane lokaci, rabi ya koma aljihu. Irin waɗannan protocols suna ba da 3-4% APR idan kawai ka ajiye USDT.

Marubuci: Jan Pejsa, wanda ya kafa Mitilena · an sabunta 26.09.2026 · github
Buɗe wallet Yadda yake aiki
Babu takardu, babu rajista Babu lokaci, babu kuɗin biya da wuri Maɓalli da bitcoin naka ne
$10,000 a hotuna biyu na duniyahar zuwa 26.09.2026
Yawanci
An saya bitcoin na $10,000
An binne shi na shekaru biyude facto
A aljihu: $0
A Mitilena Wallet
An saya bitcoin na $10,000
An sanya shi jinginar protocolba takardu, ba kira
An ɗauki $5,000 bayaa USDT · kusan 4-5% APR
Bitcoin yana ci gaba da zama naka, yana nan kowane dakikabiya lamuni — ɗauki bitcoin baya
$5,000a aljihu — daga iska.
Bitcoin na $10,000 har yanzu naka ne.
Lamuni da ajiya suna zuwa daga protocols a kan sarkar — ba daga wallet ba: Aave, Venus, Compound, EVAA. Dubban audits, shekaru a aiki, key yana wurinka.
Yadda yake aiki

Babu wanda ke bincika kuɗin shigarka, saboda jingina ta riga ta zauna a cikin contract

Banki yana ba da lamuni a kan amana: takardun albashi, tarihin bashi, kira ga ma'aikata, makonni uku na jira. Protocol yana ba da lamuni a kan jingina: ka sanya bitcoin a smart contract, kuma contract ɗin kansa yana biya ka USDT har zuwa ƙimarsa. Babu abin da za a underwrite — idan ba a biya lamuni ba, jingina ta rufe bashin. Saboda haka lamuni yana iso a cikin minti ɗaya, dare, ga duk wanda ke da bitcoin.

Ribar ajiya tana zuwa daga wannan wuri ɗaya. USDT ɗinka a protocol mutane kamarka suna aro akan bitcoin ɗinsu a 4-5% APR; mafi yawan wannan yana zuwa gare ka. Tsarin ɗaya, bangarori biyu: wanda ke buƙatar kuɗi yanzu — yana aro; wanda ke da daloli mara aiki — yana bayarwa.

Babu lokaci. Lamuni yana buɗe har sai ka rufe shi: ɗauka yau, biya a cikin mako ko shekaru uku — kana biyan riba kawai na lokacin da ya wuce. Biya da wuri shine kawai maɓallin Repay — babu hukunci, babu takardu, babu «sharuddan da aka sake».

$10,000 ɗinka mataki-matakifarashi har zuwa 26.09.2026 · ƙimar Aave da Venus
$10,000
kana siyan bitcoin0.119 BTC a $84,000 kowane bitcoin
0.119 BTC
kana bayarwa a matsayin jinginar protocolbitcoin yana zaune a adireshinka a cikin contract; babu wanda ke ɗaukarsa
$5,000
kana ɗauka baya a USDTrabin jingina; protocols suna yarda har 73-80%, rabi shine ɗaukar da ke da hankali
≈ $20–40 / wata
farashin lamunia 4-5% APR; riba tana ƙidaya kowane dakika, babu lokaci
+50% a bitcoin
jingina tana da ƙima $15,000, bashi har yanzu $5,000biya tare da riba kowane lokaci — ɗauki 0.119 BTC baya
Ƙimar aron USDT har zuwa 26.09.2026: Aave v3 — 4.4%, Venus — 4.9% APR. Lambobi suna canzawa; wannan shine tsarin a ranar.
Ajiya

USDT a kan riba: 3-4% APR a dala, babu lokaci kuma babu tambayoyi

Bayar da USDT ga protocol — riba tana ƙaruwa kowane dakika, cire kowane lokaci. Asusun ajiyar dala a bankuna da yawa yana biyan kusan sifili. Anan ƙima tana yin iyo da yawan mutanen da ke aro a yanzu.

ProtocolCibiyar sadarwaBayarwar USDTAron USDTUSDT da ke zauneYana raye tunWanene ya yi audit ga code
Aave v3Ethereum3.7%4.4%$2.9B2020Audits da bita 65; Trail of Bits, OpenZeppelin, ChainSecurity, Certora
VenusBNB Smart Chain3.2%4.9%$183M2020Certik, Quantstamp, OpenZeppelin, PeckShield, Hacken
Compound v3Ethereum2-4%4-5%$1.5B gaba ɗaya2018OpenZeppelin, ChainSecurity
EVAATON2-4%4-6%$9M2023Quantstamp, Trail of Bits
Ƙima har zuwa 26.09.2026 (aavescan, api.venus.io, DefiLlama). A shekarar da ta wuce USDT a Aave matsakaici 3.1-3.8%, tare da kololuwar buƙata a 5% da sama. Duk protocols huɗu suna buɗewa daga Mitilena Wallet.
Lamuni

Lamuni da jinginar bitcoin: har zuwa 80% na ƙima, ɗaukar da ke da hankali — rabi

Protocols suna ba da lamuni har zuwa 73-80% na ƙimar jingina. Rabi shine adadi mai dacewa ba don ƙari ba zai yiwu ba, amma don a rabi bitcoin dole ya faɗi 36-38% kafin jingina ta zama magana. A cikin wannan lokaci za ka ga lambar a wallet sau ɗari kuma ka danna maɓalli ɗaya.

ProtocolCibiyar sadarwaJinginaZa ka iya ɗaukaIyakarƘimar USDT
Aave v3EthereumWBTC, cbBTC, ETHhar zuwa 73% (ETH — 80%)78%4.4%
VenusBNB Smart ChainBTCB, ETH, BNBhar zuwa 80%80%4.9%
Compound v3EthereumWBTC, ETHhar zuwa 70% (ETH — 82%)77%4-5%
EVAATONTON, USDTkowane assetkowane asset4-6%

Lamba ɗaya da za a kula

Health factor — buffer tsakanin ƙimar jingina da bashi. Sama da ɗaya — kana da kyau; Mitilena Wallet yana nuna shi kusa da lamuni. A lamuni na rabin ƙimar bitcoin yana zaune kusan 1.6 kuma yana fara muhimmanci ne bayan bitcoin ya faɗi kusan kashi uku.

Idan bitcoin ya faɗi — maɓallan biyu

Ƙara jingina ko biya wani ɓangare na lamuni — kowanne yana maido da buffer, duka suna ɗaukar minti ɗaya daga wallet. Idan ba ka yi komai ba kuma farashi ya isa iyakar, protocol yana sayar da wani ɓangare na jingina a rangwame 5-10% kuma ya rufe bashin — babu masu tarawa, babu kira, babu rubutu a fayil ɗin bashi.

Idan bitcoin ya tashi — babu abin da za a yi

Bashin USDT ba ya canzawa; jingina tana ƙara ƙima: a +50% $10,000 ɗinka ya zama $15,000. Ɗauki ƙari idan kana so, ko biya $5,000 tare da riba ka ɗauki bitcoin da yanzu yana da ƙima fiye. Wannan shine «riƙe ba tare da binne ba».
Sigogin jingina har zuwa 26.09.2026: Aave v3 — WBTC LTV 73%, iyakar 78%, rangwame 5%; Venus — BTCB collateral factor 80%, rangwame 10%; Compound v3 — WBTC 70 / 77%, 5%. Protocols suna canza su ta hanyar zaɓe; wallet yana nuna ƙimar kai tsaye.
Wanene ke ba da kuɗin

Mitilena Wallet ba ya ba da lamuni. Protocols da ke riƙe kusan dala biliyan 55 ne suke yi

Ajiya da lamuni ba samfurin wallet ba ne kuma ba kamfanin wani ba. Shirye-shirye ne a buɗe a kan blockchain da suka yi shekaru, suka wuce dubban audits, kuma suna riƙe kuɗi ga ɗaruruwan dubban mutane. Mitilena kawai tana buɗe ƙofa — ba tare da ɗaukar key ba.

Dukkan kasuwa · 26.09.2026
$54.8B
yana zaune a cikin lending protocols 585; Aave kadai yana riƙe $19.3B da $13.1B na lamunin da ba a biya ba. Majiya — DefiLlama.

Aave

$19.3B a cikin protocol
Mafi girman lending protocol a duniya: kashi uku na dukkan kasuwa. Shekaru shida ba tare da raguwa ba, $4.4B na liquidations tare da sifili bad debt, audits da bita 65, bug bounty har $1M. Code a buɗe tun ranar farko.

Venus

$1.35B a cikin protocol
Babban protocol a BNB Smart Chain tun 2020, kamfanonin audit tara daga Certik zuwa OpenZeppelin. Mafi arha ma'amaloli daga huɗu: sanya jingina ka aro da cents.

Compound

$1.5B a cikin protocol
Inda lending a kan sarkar ya fara — yana raye tun 2018. Code OpenZeppelin da ChainSecurity suka bita; protocols da yawa sun kwafi tsarin jingina-lamuni daga gare shi.

EVAA

$9M a cikin protocol
Protocol na TON — don kuɗin da ke motsawa ta Telegram. Matashi ne, amma Quantstamp da Trail of Bits suka yi audit tare da tallafin TON Foundation da code a buɗe.
Kada ka rikita da

Abubuwa uku da ke amfani da kalmomi iri ɗaya

«USDT staking» a kan exchange

Exchange yana ɗaukar USDT ɗinka yana yi wa alkawarin «yawan riba da aka tabbatar». Wannan aro ne ga exchange a kan kalmarsa: Celsius ya yi alkawarin har 18% kuma ya daskare kadarorin abokan ciniki na $4.7B a watan Yuni 2022; FTX ya bayar da 8% a kan dala watanni kafin fatara; BlockFi, Voyager, da Gemini Earn sun rufe a wannan shekara. A protocol USDT ɗinka yana zaune a contract da babu wanda zai iya «daskarewa har sai an bita».

«Zuba jari» da yawan riba na wata-wata

Finiko ya yi alkawarin har 25% a wata kuma ya ja fiye da $1.5B a bitcoin kafin ya ruguje a Yuli 2021. Alamun iri ɗaya ne: kashi da aka ƙayyade, kyautar referral, «aika zuwa wallet ɗinmu», ma'aikaci a Telegram. Ƙimar protocol tana yin iyo, babu kyauta, kuma kuɗi ba ya tafiya — yana zaune a adireshinka.

Lamunin banki

Takardun albashi, tarihin bashi, jiran yanke shawara, lokaci da aka ƙayyade, jadawalin biya, kuɗin biya da wuri — kuma lamunin mutum sau da yawa sama da 10-20% APR. Akan bitcoin: minti ɗaya, 4-5% a dala, babu lokaci kuma babu jadawali, biya lokacin da ka so. Bukatar kawai — riƙe bitcoin.
A cikin wallet

Yadda ake ɗaukar lamuni da jinginar bitcoin a Mitilena — matakai biyar

01
Canza bitcoin zuwa sifar jinginaProtocols suna gudana a Ethereum, BSC, da TON, saboda haka jingina bitcoin ce a waɗannan cibiyoyin: WBTC a Ethereum ko BTCB a BSC. Bitcoin na asali ana musayar shi da su da maɓallin Exchange a cikin Mitilena Wallet. BSC shine mafi arha a kan kuɗin hidima.
02
Bayar da jinginaA ajiya da lamuni, zaɓi protocol da asset, shigar da adadin, sa hannu a ma'amala. Bitcoin yana zaune a adireshinka a cikin contract ɗin protocol — babu wanda, har da Mitilena, zai iya ɗaukarsa.
03
Aro USDTWallet yana nuna nawa za ka iya aro da health factor. Ɗauki rabi — ka yi watsi da wannan lambar na shekara. USDT yana iso a adireshinka a wannan cibiyar sadarwa.
04
Yi amfani da kuɗinAjiye shi a matsayin USDT, cire ta OTC desk amintacce ko P2P (yadda ake yi ba tare da ƙonewa ba — a shafin USDT), ko saya ƙarin bitcoin. Kuɗinka, babu igiyoyi.
05
Biya kowane lokaci da ka soMaɓallin Repay: share bashi da ribar da ta tattara — duka ko a sassa — ka ɗauki jingina baya. Bayan rana, bayan shekara, bayan bitcoin ya ninka — babu hukunci, babu tambayoyi.
Yadda yake aiki a Mitilena
Ajiya, aro, da biya ana sa hannu a Mitilena kamar kowace ma'amala ta yau da kullum — ba tare da haɗa wallet zuwa shafin waje ta MetaMask ba kuma ba tare da mika key ba. Adadi masu yawa ana sa hannu a offline: a katin NFC ko waya ba tare da cibiyar sadarwa ba; sa hannu kawai ne ke zuwa online. Abin da uwar garken Mitilena ke gani — komai ba: key da jingina suna zaune a adireshinka; yarjejeniya tana rayuwa a contract ɗin protocol.
Ba a san sunanka ba — amma ba a ɓoye ba
Protocol ba ya neman suna, fasfo, ko tushen kuɗi: adireshi da jingina ne kawai yake buƙata. Amma blockchain littafi ne na jama'a: jingina, aro, da biya kowa da ya san adireshinka zai iya gani. USDT da aka aro har yanzu USDT ne tare da mai bugawa da blacklist, kuma ribar crypto na iya zama mai haraji inda kake zaune. Wannan ba ya dakatar da ra'ayin — kawai kada ka yi kamar ba ka wanzu ba.
FAQ

Abin da mutane ke tambaya game da lamuni da jinginar bitcoin

Wanene ke ba da kuɗin idan ba banki ba kuma ba wallet ba?

Sauran masu amfani da protocol. Sun ajiye USDT don samun riba; kai ka aro akan jinginar bitcoin. Contract yana haɗa bangarori biyu kuma yana ƙidaya riba. Ko Aave, Venus, ko Mitilena ba su da till ɗin kuɗi da ke biyan lamuni.

Me ke faruwa da bitcoin ɗina yayin da yake jingina?

Yana zaune a contract ɗin protocol a adireshinka kuma yana motsawa da kasuwa — kamar riƙewa. Babu wanda zai iya sayar da shi yayin da ƙimar jingina ta kasance sama da iyakar liquidation. Biya lamuni — bitcoin ya sake 'yanci a wannan dakika.

Me yake tsada a zahiri?

Ribar aro ita ce 4-5% APR a USDT har zuwa 26.09.2026, tana ƙaruwa kowane dakika. Ƙari da kuɗin cibiyar sadarwa na ma'amaloli uku (bayar da jingina, aro, biya): cents a BSC da TON, 'yan daloli a Ethereum. Aave da Venus ba sa ɗaukar kuɗin farawa, hidima, ko biya da wuri; EVAA yana ɗaukar 0.3% a kan aro.

Za iya ɗaukar fiat maimakon USDT?

Protocols suna biya crypto kawai — USDT, USDC, ETH. Fiat daga USDT mataki ne na daban: OTC desk, P2P, ko exchange. Yadda ake cirewa ba tare da ƙonewa ba — a shafin USDT.

Wannan doka ce?

A wurare da yawa ana ɗaukar crypto a matsayin dukiya; lending protocols sau da yawa ba a ba su lasisi kamar bankuna ba; riba da riba na iya zama mai haraji. Amfani da Aave ko Venus ba laifi ba ne a yawancin yankuna — amma ƙa'idoji na gida sun bambanta, kuma wannan ba shawarar doka ba ce. Duba da lauya inda kake zaune.

Idan an yi wa protocol hacking fa?

Wannan shine haɗarin gaske, kuma ba sifili ba ne: Euler ya yi asarar $197M a 2023 (duka an mayar), Cream — $130M a 2021. Aave a shekaru shida da $4.4B na liquidations — sifili bad debt; Compound tun 2018 — babu asarar ajiya daga code. Shi ya sa Mitilena Wallet ke buɗe waɗannan protocols huɗu kawai, ba ɗaruruwan gonakin yield ba.

Bitcoin yana ci gaba da zama naka — $5,000 a aljihu. Mitilena Wallet a cikin daƙiƙa 30

Babu rajista · ajiya da lamuni ta Aave, Venus, Compound, EVAA · menene USDT da yadda ake cire shi
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