这传统金融市场 (TradFi) 以固定利率贷款为主。然而，去中心化金融 (DeFi) 领域的可靠解决方案尚未出现。要将 TradFi 投资组合经理引入 DeFi 行业，需要解决固定利率问题。
许多 DeFi 平台声称提供稳定的利率，但实际上，资产的波动性如此之大，以至于它们可能会波动 从一位数到两位数，反之亦然。 这种波动性使得无论是贷款人还是借款人都几乎不可能保证可靠的长期收益或控制杠杆。一个 DeFi 协议，国税局 （Interest Rate Synth）旨在解决这个问题。
目前的DeFi空间 提供了一些利率解决方案，例如零息债券和收益率再分配，但它们并不像人们想象的那么有效。 iGain IRS 正在构建一个专注于利率的衍生品平台。
通过iGain IRS，用户可以通过相应数量的多头或空头代币借入或借出任何资产，以分别确保他们的固定收益或限制他们的成本。该平台还提供了在不借贷的情况下简单地做多或做空利息的能力，为交易者提供了一种从经济不确定性或熊市中获利的方法。
iGain IRS 的贷方可以购买空头代币，好吧，做空市场利率。相反，借款人可以购买长期代币来限制他们的长期成本。从那里，iGain IRS 为其用户提供了一个充实的借贷平台。任何人都可以从平台内借出或借入稳定币，或在各种池中提供流动性以赚取交易费。
该平台目前支持 USDC、USDT 和 DAI 稳定币。该协议与 DeFi 平台 Aave 绑定（鬼 ), 虽然兼容 Yearn.Finance (YFI ) 也将于今年推出。
iGain IRS 证明非常受欢迎，在过去三个月中交易了 5000 万美元的名义价值， Polygon 甚至奖励它一笔赠款，以资助其进一步发展并推动其增长。
iGain IRS 只是 iGain 名称下的一整套平台之一。增益 是一个平台，任何人都可以做多或做空任何类型的 DeFi 指标波动率。例如，Hakka Finance，去中心化的自治组织（刀 ) 在iGain口头禅的背后，还推出了iGain IG，让用户对冲无常损失。该平台目前正在开发一项功能，用户可以自定义该功能，以对冲他们选择的 DeFi 指标波动。
图片：在 iGain IRS 上交易的资产的名义价值。感谢 国税局
Hakka Finance 是一个由 DAO 驱动的完整生态系统，它希望服务于与传统金融中的投资银行类似的目的，只是用 DeFi 代替。
“我们没有从头开始重建借贷市场，而是选择在 Aave 之上构建。我们相信 DeFi 的吸引力在于它的可组合性，允许协议联合起来产生巨大的网络效应并共同挑战 TradFi 巨头，”Lucien Lee客家金融CEO分享。
在扩展 iGain IRS 平台的同时，Hakka Finance 希望扩展其产品以涵盖更多金融概念，并最终允许用户构建自己的 iGain 版本。
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