{"id":136927,"date":"2025-05-26T10:52:57","date_gmt":"2025-05-26T10:52:57","guid":{"rendered":"https:\/\/cryptonews.com\/vn\/?post_type=academy&#038;p=136927\/"},"modified":"2025-10-14T19:44:19","modified_gmt":"2025-10-14T19:44:19","slug":"what-is-lending-coin","status":"publish","type":"academy","link":"https:\/\/cryptonews.com\/vn\/academy\/what-is-lending-coin\/","title":{"rendered":"Coin Lending l\u00e0 g\u00ec? C\u00e1ch m\u00e0 lending coin ho\u1ea1t \u0111\u1ed9ng"},"content":{"rendered":"<p><strong>Lending Coin <\/strong>&#8211; m\u1ed9t trong nh\u1eefng h\u00ecnh th\u1ee9c \u0111\u1ea7u t\u01b0 \u0111ang r\u1ea5t \u0111\u01b0\u1ee3c quan t\u00e2m th\u1eddi gian g\u1ea7n \u0111\u00e2y. Lending Coin m\u1edf ra nhi\u1ec1u l\u1ef1a ch\u1ecdn \u0111a d\u1ea1ng cho nh\u00e0 \u0111\u1ea7u t\u01b0, t\u1eeb c\u00e1c n\u1ec1n t\u1ea3ng ri\u00eang bi\u1ec7t nh\u01b0 <strong>NEXO, Cred, Constant, BlockFi<\/strong>&#8230; cho \u0111\u1ebfn vi\u1ec7c cho vay tr\u1ef1c ti\u1ebfp tr\u00ean c\u00e1c s\u00e0n giao d\u1ecbch l\u1edbn nh\u01b0 Binance Lending, Gate Lending, Poloniex&#8230; M\u1ed7i n\u1ec1n t\u1ea3ng s\u1ebd c\u00f3 nh\u1eefng \u0111i\u1ec1u kho\u1ea3n, \u01b0u nh\u01b0\u1ee3c \u0111i\u1ec3m ri\u00eang, v\u00ec v\u1eady vi\u1ec7c t\u00ecm hi\u1ec3u k\u1ef9 tr\u01b0\u1edbc khi tham gia l\u00e0 r\u1ea5t c\u1ea7n thi\u1ebft.<\/p><h2>Coin Lending l\u00e0 g\u00ec?<\/h2><p><span class=\"replacer\"><\/span><br>\nLending, hay c\u00f2n g\u1ecdi l\u00e0 cho vay, l\u00e0 m\u1ed9t h\u00ecnh th\u1ee9c \u0111\u1ea7u t\u01b0 \u0111ang ng\u00e0y c\u00e0ng ph\u1ed5 bi\u1ebfn trong th\u1ecb tr\u01b0\u1eddng <a href=\"https:\/\/cryptonews.com\/vn\/cryptocurrency\/potential-coins\/\">ti\u1ec1n \u0111i\u1ec7n t\u1eed<\/a>. <strong>Trong Lending,<\/strong> b\u1ea1n s\u1ebd \u0111\u00f3ng vai tr\u00f2 nh\u01b0 m\u1ed9t nh\u00e0 \u0111\u1ea7u t\u01b0, s\u1eed d\u1ee5ng ch\u00ednh c\u00e1c \u0111\u1ed3ng ho\u1eb7c t\u00e0i s\u1ea3n \u0111i\u1ec7n t\u1eed c\u1ee7a m\u00ecnh \u0111\u1ec3 cho vay cho ng\u01b0\u1eddi kh\u00e1c <strong>(ng\u01b0\u1eddi \u0111i vay &#8211; Borrower)<\/strong> v\u00e0 thu v\u1ec1 l\u1ee3i nhu\u1eadn d\u1ef1a tr\u00ean l\u00e3i su\u1ea5t.<\/p><p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-124894 size-full\" src=\"https:\/\/cryptonews.com\/wp-content\/uploads\/sites\/20\/2024\/03\/1710836721-lending-la-gi.jpg\" alt=\"Lending l\u00e0 g\u00ec?\" width=\"1200\" height=\"675\" srcset=\"https:\/\/cimg.co\/wp-content\/uploads\/sites\/20\/2024\/03\/19082521\/1710836721-lending-la-gi.jpg 1200w, https:\/\/cimg.co\/wp-content\/uploads\/sites\/20\/2024\/03\/19082521\/1710836721-lending-la-gi-300x169.jpg 300w, https:\/\/cimg.co\/wp-content\/uploads\/sites\/20\/2024\/03\/19082521\/1710836721-lending-la-gi-1024x576.jpg 1024w, https:\/\/cimg.co\/wp-content\/uploads\/sites\/20\/2024\/03\/19082521\/1710836721-lending-la-gi-768x432.jpg 768w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\"><\/p><p>L\u00e3i su\u1ea5t n\u00e0y \u0111\u01b0\u1ee3c th\u1ecfa thu\u1eadn tr\u01b0\u1edbc gi\u1eefa b\u00ean cho vay v\u00e0 b\u00ean \u0111i vay, t\u01b0\u01a1ng t\u1ef1 nh\u01b0 h\u00ecnh th\u1ee9c vay m\u01b0\u1ee3n ti\u1ec1n truy\u1ec1n th\u1ed1ng. <strong>Sau khi h\u1ebft th\u1eddi h\u1ea1n vay,<\/strong> b\u1ea1n s\u1ebd nh\u1eadn l\u1ea1i \u0111\u01b0\u1ee3c \u0111\u1ea7y \u0111\u1ee7 s\u1ed1 ti\u1ec1n g\u1ed1c \u0111\u00e3 lending k\u00e8m theo kho\u1ea3n l\u00e3i \u0111\u00e3 th\u1ed1ng nh\u1ea5t.<\/p><h2><b>C\u00e1c \u0111\u1eb7c \u0111i\u1ec3m c\u1ee7a Lending<\/b><\/h2><p><span class=\"replacer\"><\/span><br>\n<\/p><div class=\"su-row\"><div class=\"su-column su-column-size-1-2\"><div class=\"su-column-inner su-u-clearfix su-u-trim\">\n<p><strong>\u01afu \u0111i\u1ec3m:<\/strong><\/p>\n<div class=\"su-list\" style=\"margin-left:0px\">\n<ul>\n<li><i class=\"sui sui-check-circle\" style=\"color:#77e31f\"><\/i> <b>T\u1eadn d\u1ee5ng t\u00e0i s\u1ea3n nh\u00e0n r\u1ed7i:<\/b> Thay v\u00ec \u0111\u1ec3 nh\u1eefng \u0111\u1ed3ng n\u1eafm gi\u1eef kh\u00f4ng sinh l\u1eddi, Lending cho ph\u00e9p b\u1ea1n bi\u1ebfn ch\u00fang th\u00e0nh c\u00f4ng c\u1ee5 ki\u1ebfm th\u00eam thu nh\u1eadp. B\u1ea1n cho vay coin c\u1ee7a m\u00ecnh cho nh\u1eefng ng\u01b0\u1eddi kh\u00e1c \u0111ang c\u00f3 nhu c\u1ea7u, v\u00e0 nh\u1eadn l\u1ea1i l\u00e3i su\u1ea5t trong th\u1eddi h\u1ea1n vay.<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#77e31f\"><\/i> <b>Linh ho\u1ea1t th\u1eddi gian:<\/b> Nhi\u1ec1u n\u1ec1n t\u1ea3ng Lending cung c\u1ea5p nhi\u1ec1u l\u1ef1a ch\u1ecdn th\u1eddi h\u1ea1n cho vay, t\u1eeb v\u00e0i ng\u00e0y \u0111\u1ebfn v\u00e0i th\u00e1ng. \u0110i\u1ec1u n\u00e0y gi\u00fap b\u1ea1n linh ho\u1ea1t trong vi\u1ec7c ph\u00e2n b\u1ed5 t\u00e0i s\u1ea3n v\u00e0 \u0111\u00e1p \u1ee9ng c\u00e1c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n.<\/li>\n<\/ul>\n<\/div><\/div><\/div> <div class=\"su-column su-column-size-1-2\"><div class=\"su-column-inner su-u-clearfix su-u-trim\">\n<p><strong>Nh\u01b0\u1ee3c \u0111i\u1ec3m:<\/strong><\/p>\n<div class=\"su-list\" style=\"margin-left:0px\">\n<ul>\n<li><i class=\"sui sui-remove\" style=\"color:#e31f28\"><\/i> <b>R\u1ee7i ro bi\u1ebfn \u0111\u1ed9ng gi\u00e1:<\/b> \u0110\u00e2y l\u00e0 r\u1ee7i ro \u0111\u00e1ng k\u1ec3 nh\u1ea5t khi tham gia Lending. Gi\u00e1 tr\u1ecb c\u1ee7a ti\u1ec1n \u0111i\u1ec7n t\u1eed v\u1ed1n bi\u1ebfn \u0111\u1ed9ng m\u1ea1nh. Trong th\u1eddi gian b\u1ea1n cho vay coin, gi\u00e1 c\u1ee7a n\u00f3 c\u00f3 th\u1ec3 gi\u1ea3m m\u1ea1nh, khi\u1ebfn l\u1ee3i nhu\u1eadn t\u1eeb l\u00e3i su\u1ea5t kh\u00f4ng \u0111\u1ee7 b\u00f9 \u0111\u1eafp v\u00e0o kho\u1ea3n l\u1ed7 t\u1eeb bi\u1ebfn \u0111\u1ed9ng gi\u00e1.<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div><h2>C\u00e1c h\u00ecnh th\u1ee9c Lending trong th\u1ecb tr\u01b0\u1eddng Crypto<\/h2><p><span class=\"replacer\"><\/span><br>\nLending trong Crypto kh\u00f4ng ch\u1ec9 g\u00f3i g\u1ecdn trong m\u1ed9t h\u00ecnh th\u1ee9c. Hi\u1ec7n nay, l\u0129nh v\u1ef1c n\u00e0y \u0111\u01b0\u1ee3c chia th\u00e0nh <strong>3 nh\u00e1nh ch\u00ednh,<\/strong> m\u1ed7i nh\u00e1nh c\u00f3 nh\u1eefng \u0111\u1eb7c \u0111i\u1ec3m v\u00e0 m\u1ee9c \u0111\u1ed9 r\u1ee7i ro kh\u00e1c nhau:<\/p><ol>\n<li><b> Cho vay ngang h\u00e0ng (Peer-to-peer Lending):<\/b> \u0110\u00e2y l\u00e0 h\u00ecnh th\u1ee9c c\u01a1 b\u1ea3n nh\u1ea5t c\u1ee7a Lending, gi\u1ed1ng nh\u01b0 P2P lending truy\u1ec1n th\u1ed1ng. Ng\u01b0\u1eddi vay v\u00e0 ng\u01b0\u1eddi cho vay s\u1ebd k\u1ebft n\u1ed1i tr\u1ef1c ti\u1ebfp v\u1edbi nhau tr\u00ean n\u1ec1n t\u1ea3ng. Ng\u01b0\u1eddi cho vay c\u00f3 th\u1ec3 t\u1ef1 do l\u1ef1a ch\u1ecdn ng\u01b0\u1eddi \u0111i vay, \u0111\u1ed3ng th\u1eddi c\u00f3 th\u1ec3 th\u01b0\u01a1ng l\u01b0\u1ee3ng c\u00e1c \u0111i\u1ec1u kho\u1ea3n vay (l\u00e3i su\u1ea5t, th\u1eddi h\u1ea1n vay) cho ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u v\u00e0 m\u1ee9c \u0111\u1ed9 ch\u1ea5p nh\u1eadn r\u1ee7i ro c\u1ee7a m\u00ecnh.<\/li>\n<li><b> Cho vay qu\u00e1 chu\u1ea9n (Over-Collateralized Lending):<\/b> \u0110\u00e2y l\u00e0 h\u00ecnh th\u1ee9c cho vay an to\u00e0n h\u01a1n so v\u1edbi P2P Lending. Ng\u01b0\u1eddi \u0111i vay c\u1ea7n th\u1ebf ch\u1ea5p m\u1ed9t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n (collateral) c\u00f3 gi\u00e1 tr\u1ecb l\u1edbn h\u01a1n s\u1ed1 ti\u1ec1n vay \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o kho\u1ea3n vay. N\u1ebfu ng\u01b0\u1eddi \u0111i vay kh\u00f4ng th\u1ec3 thanh to\u00e1n kho\u1ea3n vay \u0111\u00fang h\u1ea1n, t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p s\u1ebd b\u1ecb thanh l\u00fd \u0111\u1ec3 thu h\u1ed3i n\u1ee3.<\/li>\n<li><b> Cho vay d\u01b0\u1edbi chu\u1ea9n (Under-Collateralized Lending):<\/b> \u0110\u00e2y l\u00e0 h\u00ecnh th\u1ee9c cho vay r\u1ee7i ro h\u01a1n so v\u1edbi Over-Collateralized Lending. Gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p c\u1ee7a ng\u01b0\u1eddi \u0111i vay th\u1ea5p h\u01a1n ho\u1eb7c b\u1eb1ng s\u1ed1 ti\u1ec1n vay. H\u00ecnh th\u1ee9c n\u00e0y th\u01b0\u1eddng \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 chuy\u00ean nghi\u1ec7p, c\u00f3 l\u1ecbch s\u1eed t\u00edn d\u1ee5ng t\u1ed1t v\u00e0 nhu c\u1ea7u vay v\u1ed1n l\u1edbn.<\/li>\n<\/ol><p>\u0110\u1eb7c bi\u1ec7t, <strong>Over-Collateralized Lending<\/strong> v\u00e0 <strong>Under-Collateralized Lending<\/strong> \u0111\u1ec1u li\u00ean quan \u0111\u1ebfn m\u00f4 h\u00ecnh Lending Pool (h\u1ed3 thanh kho\u1ea3n cho vay).<strong> Trong m\u00f4 h\u00ecnh n\u00e0y:<\/strong><\/p><ul>\n<li><b>Ng\u01b0\u1eddi cho vay (Lender):<\/b> Chuy\u1ec3n <a href=\"https:\/\/cryptonews.com\/vn\/cryptocurrency\/upcoming-binance-listings\/\">c\u00e1c \u0111\u1ed3ng coin m\u1edbi<\/a> \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 v\u00e0o Lending Pool. \u0110\u1ed5i l\u1ea1i, h\u1ecd s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c l\u00e3i su\u1ea5t theo th\u1eddi gian.<\/li>\n<li><b>Ng\u01b0\u1eddi \u0111i vay (Borrower):<\/b> Th\u1ebf ch\u1ea5p c\u00e1c \u0111\u1ed3ng coin kh\u00e1c v\u00e0o Lending Pool, sau \u0111\u00f3 vay c\u00e1c \u0111\u1ed3ng coin mong mu\u1ed1n t\u1eeb Lending Pool v\u00e0 s\u1ebd ph\u1ea3i tr\u1ea3 l\u00e3i su\u1ea5t. L\u00e3i su\u1ea5t \u0111\u01b0\u1ee3c t\u00ednh to\u00e1n t\u1ef1 \u0111\u1ed9ng d\u1ef1a tr\u00ean c\u00f4ng th\u1ee9c nh\u1ea5t \u0111\u1ecbnh v\u00e0 ph\u1ee5 thu\u1ed9c v\u00e0o cung c\u1ea7u c\u1ee7a t\u1eebng lo\u1ea1i t\u00e0i s\u1ea3n trong Lending Pool.<\/li>\n<\/ul><h3>Over-Collateralized Lending l\u00e0 g\u00ec?<\/h3><p>Cho vay qu\u00e1 chu\u1ea9n l\u00e0 h\u00ecnh th\u1ee9c cho vay m\u00e0 b\u00ean \u0111i vay c\u1ea7n th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n (collateral) c\u00f3 gi\u00e1 tr\u1ecb l\u1edbn h\u01a1n s\u1ed1 ti\u1ec1n vay. \u0110i\u1ec1u n\u00e0y gi\u00fap \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i cho b\u00ean cho vay trong tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi \u0111i vay kh\u00f4ng th\u1ec3 ho\u00e0n tr\u1ea3 kho\u1ea3n vay \u0111\u00fang h\u1ea1n. T\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p s\u1ebd \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 thanh l\u00fd v\u00e0 thu h\u1ed3i n\u1ee3.<\/p><div class=\"su-row\"><div class=\"su-column su-column-size-1-2\"><div class=\"su-column-inner su-u-clearfix su-u-trim\">\n<p><strong>\u01afu \u0111i\u1ec3m:<\/strong><\/p>\n<div class=\"su-list\" style=\"margin-left:0px\">\n<ul>\n<li><i class=\"sui sui-check-circle\" style=\"color:#77e31f\"><\/i> <b>T\u1eadn d\u1ee5ng t\u1ed1i \u0111a v\u1ed1n:<\/b> \u0110\u00e2y l\u00e0 \u01b0u \u0111i\u1ec3m n\u1ed5i b\u1eadt nh\u1ea5t c\u1ee7a cho vay qu\u00e1 chu\u1ea9n. B\u1eb1ng c\u00e1ch th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n c\u00f3 s\u1eb5n, b\u1ea1n c\u00f3 th\u1ec3 vay m\u1ed9t kho\u1ea3n ti\u1ec1n l\u1edbn h\u01a1n \u0111\u1ec3 ph\u1ee5c v\u1ee5 c\u00e1c m\u1ee5c \u0111\u00edch \u0111\u1ea7u t\u01b0 kh\u00e1c nhau, ch\u1eb3ng h\u1ea1n nh\u01b0 giao d\u1ecbch h\u1ee3p \u0111\u1ed3ng t\u01b0\u01a1ng lai (Futures) v\u1edbi \u0111\u00f2n b\u1ea9y (leverage).<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#77e31f\"><\/i> <b>An to\u00e0n h\u01a1n cho ng\u01b0\u1eddi cho vay:<\/b> V\u1edbi t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p c\u00f3 gi\u00e1 tr\u1ecb l\u1edbn h\u01a1n s\u1ed1 ti\u1ec1n vay, ng\u01b0\u1eddi cho vay c\u00f3 nhi\u1ec1u kh\u1ea3 n\u0103ng thu h\u1ed3i n\u1ee3 h\u01a1n trong tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi \u0111i vay v\u1ee1 n\u1ee3.<\/li>\n<\/ul>\n<\/div><\/div><\/div> <div class=\"su-column su-column-size-1-2\"><div class=\"su-column-inner su-u-clearfix su-u-trim\">\n<p><strong>Nh\u01b0\u1ee3c \u0111i\u1ec3m:<\/strong><\/p>\n<div class=\"su-list\" style=\"margin-left:0px\">\n<ul>\n<li><i class=\"sui sui-remove\" style=\"color:#e31f28\"><\/i> <b>T\u00ednh linh ho\u1ea1t th\u1ea5p h\u01a1n:<\/b> So v\u1edbi c\u00e1c h\u00ecnh th\u1ee9c vay kh\u00e1c, \u0111i\u1ec1u ki\u1ec7n vay qu\u00e1 chu\u1ea9n th\u01b0\u1eddng kh\u1eaft khe h\u01a1n. Ng\u01b0\u1eddi \u0111i vay c\u1ea7n c\u00f3 s\u1eb5n t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p c\u00f3 gi\u00e1 tr\u1ecb t\u01b0\u01a1ng \u0111\u1ed1i l\u1edbn, \u0111\u1ed3ng th\u1eddi l\u00e3i su\u1ea5t vay c\u0169ng c\u00f3 th\u1ec3 cao h\u01a1n.<\/li>\n<li><i class=\"sui sui-remove\" style=\"color:#e31f28\"><\/i> <b>R\u1ee7i ro thanh l\u00fd:<\/b> Bi\u1ebfn \u0111\u1ed9ng m\u1ea1nh c\u1ee7a th\u1ecb tr\u01b0\u1eddng c\u00f3 th\u1ec3 khi\u1ebfn gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p gi\u1ea3m xu\u1ed1ng. N\u1ebfu gi\u00e1 tr\u1ecb n\u00e0y xu\u1ed1ng d\u01b0\u1edbi m\u1ed9t t\u1ef7 l\u1ec7 nh\u1ea5t \u0111\u1ecbnh so v\u1edbi s\u1ed1 ti\u1ec1n vay (g\u1ecdi l\u00e0 t\u1ef7 l\u1ec7 thanh l\u00fd &#8211; liquidation ratio), t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p c\u00f3 th\u1ec3 b\u1ecb t\u1ef1 \u0111\u1ed9ng b\u00e1n \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o kho\u1ea3n vay, d\u1eabn \u0111\u1ebfn thua l\u1ed7 cho ng\u01b0\u1eddi \u0111i vay.<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div><p><b>C\u00e1c n\u1ec1n t\u1ea3ng h\u1ed7 tr\u1ee3 cho vay qu\u00e1 chu\u1ea9n:<\/b><\/p><p>Over-Collateralized Lending l\u00e0 h\u00ecnh th\u1ee9c ph\u1ed5 bi\u1ebfn tr\u00ean nhi\u1ec1u n\u1ec1n t\u1ea3ng DeFi hi\u1ec7n nay, ch\u1eb3ng h\u1ea1n nh\u01b0 MakerDAO, Venus, Compound, v.v. M\u1ed7i n\u1ec1n t\u1ea3ng s\u1ebd c\u00f3 nh\u1eefng lo\u1ea1i t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn l\u00e0m th\u1ebf ch\u1ea5p, t\u1ef7 l\u1ec7 lending t\u1ed1i \u0111a tr\u00ean gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p (g\u1ecdi l\u00e0 Loan-to-Value ratio &#8211; LTV) v\u00e0 t\u1ef7 l\u1ec7 thanh l\u00fd kh\u00e1c nhau.<\/p><h3>P2P Lending l\u00e0 g\u00ec?<\/h3><p>Cho vay ngang h\u00e0ng<strong> (P2P Lending)<\/strong> l\u00e0 h\u00ecnh th\u1ee9c lending tr\u1ef1c ti\u1ebfp gi\u1eefa ng\u01b0\u1eddi \u0111i vay v\u00e0 ng\u01b0\u1eddi cho vay, kh\u00f4ng c\u1ea7n th\u00f4ng qua trung gian th\u1ee9 ba.<\/p><p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-124916 size-full lazyload\" src=\"https:\/\/cimg.co\/p\/no_image.svg\" alt=\"P2P Lending l\u00e0 g\u00ec\" width=\"1200\" height=\"800\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" data-src=\"https:\/\/cryptonews.com\/wp-content\/uploads\/sites\/20\/2024\/03\/1710839340-p2p-lending-la-gi.jpg\" data-srcset=\"https:\/\/cimg.co\/wp-content\/uploads\/sites\/20\/2024\/03\/19090900\/1710839340-p2p-lending-la-gi.jpg 1200w, https:\/\/cimg.co\/wp-content\/uploads\/sites\/20\/2024\/03\/19090900\/1710839340-p2p-lending-la-gi-300x200.jpg 300w, https:\/\/cimg.co\/wp-content\/uploads\/sites\/20\/2024\/03\/19090900\/1710839340-p2p-lending-la-gi-1024x683.jpg 1024w, https:\/\/cimg.co\/wp-content\/uploads\/sites\/20\/2024\/03\/19090900\/1710839340-p2p-lending-la-gi-768x512.jpg 768w\"><\/p><p>\u0110i\u1ec3m n\u1ed5i b\u1eadt c\u1ee7a <strong>P2P Lending<\/strong> l\u00e0 vi\u1ec7c t\u1eadn d\u1ee5ng c\u00e1c h\u1ee3p \u0111\u1ed3ng th\u00f4ng minh<strong> (Smart Contract)<\/strong> \u0111\u1ec3 thi\u1ebft l\u1eadp th\u1ecfa thu\u1eadn vay m\u01b0\u1ee3n gi\u1eefa hai b\u00ean m\u00e0 kh\u00f4ng c\u1ea7n s\u1ef1 tham gia c\u1ee7a t\u1ed5 ch\u1ee9c trung gian t\u00e0i ch\u00ednh. Thay v\u00e0o \u0111\u00f3, h\u1ee3p \u0111\u1ed3ng th\u00f4ng minh s\u1ebd t\u1ef1 \u0111\u1ed9ng th\u1ef1c thi c\u00e1c \u0111i\u1ec1u kho\u1ea3n v\u00e0 ti\u1ebfn h\u00e0nh giao d\u1ecbch theo nh\u01b0 \u0111\u00e3 th\u1ecfa thu\u1eadn. Nh\u1edd v\u1eady, qu\u00e1 tr\u00ecnh vay m\u01b0\u1ee3n tr\u1edf n\u00ean nhanh ch\u00f3ng, minh b\u1ea1ch v\u00e0 lo\u1ea1i b\u1ecf \u0111\u01b0\u1ee3c c\u00e1c th\u1ee7 t\u1ee5c r\u01b0\u1eddm r\u00e0.<\/p><p>M\u1ed9t s\u1ed1 d\u1ef1 \u00e1n ti\u00eau bi\u1ec3u trong l\u0129nh v\u1ef1c P2P Lending: <strong>Compound, Aave, Rabit Finance, Unit Protocol,&#8230;<\/strong><\/p><h3>Under-Collateralized Lending l\u00e0 g\u00ec?<\/h3><p>Cho vay d\u01b0\u1edbi chu\u1ea9n<strong> (Under-Collateralized Lending)<\/strong> l\u00e0 h\u00ecnh th\u1ee9c lending m\u00e0 gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p c\u1ee7a ng\u01b0\u1eddi \u0111i vay th\u1ea5p h\u01a1n ho\u1eb7c th\u1eadm ch\u00ed b\u1eb1ng s\u1ed1 ti\u1ec1n vay. \u0110i\u1ec3m kh\u00e1c bi\u1ec7t ch\u00ednh so v\u1edbi cho vay qu\u00e1 chu\u1ea9n<strong> (Over-Collateralized Lending)<\/strong> l\u00e0 y\u00eau c\u1ea7u th\u1ebf ch\u1ea5p th\u1ea5p h\u01a1n, gi\u00fap ng\u01b0\u1eddi \u0111i vay vay \u0111\u01b0\u1ee3c m\u1ed9t kho\u1ea3n ti\u1ec1n l\u1edbn h\u01a1n v\u1edbi l\u01b0\u1ee3ng t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p \u00edt h\u01a1n.<\/p><p>Under-Collateralized Lending c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c coi nh\u01b0 m\u1ed9t h\u00ecnh th\u1ee9c vay t\u00edn ch\u1ea5p<strong> (Credit)<\/strong>, t\u1ee9c l\u00e0 vay d\u1ef1a tr\u00ean uy t\u00edn v\u00e0 l\u1ecbch s\u1eed t\u00edn d\u1ee5ng c\u1ee7a ng\u01b0\u1eddi \u0111i vay thay v\u00ec ph\u1ee5 thu\u1ed9c ho\u00e0n to\u00e0n v\u00e0o gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p.<\/p><p>M\u1ed9t s\u1ed1 d\u1ef1 \u00e1n ti\u00eau bi\u1ec3u s\u1eed d\u1ee5ng Under-Collateralized Lending l\u00e0 Cream.<\/p><h2>Coin Lending l\u00e0 g\u00ec? T\u1ed5ng quan v\u1ec1 lending<\/h2><p><span class=\"replacer\"><\/span><br>\n<strong>Lending Coin,<\/strong><\/p><p>hay c\u00f2n \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 lending, <strong>l\u00e0 h\u00ecnh th\u1ee9c cho ph\u00e9p ng\u01b0\u1eddi d\u00f9ng s\u1eed d\u1ee5ng ch\u00ednh nh\u1eefng \u0111\u1ed3ng coin ti\u1ec1m n\u0103ng m\u00e0 m\u00ecnh n\u1eafm gi\u1eef \u0111\u1ec3 sinh l\u1eddi.<\/strong> B\u1ea1n c\u00f3 th\u1ec3 hi\u1ec3u \u0111\u01a1n gi\u1ea3n l\u00e0 b\u1ea1n cho vay coin c\u1ee7a m\u00ecnh cho ng\u01b0\u1eddi kh\u00e1c v\u1edbi m\u1ed9t m\u1ee9c l\u00e3i su\u1ea5t nh\u1ea5t \u0111\u1ecbnh (c\u00f3 th\u1ec3 c\u1ed1 \u0111\u1ecbnh ho\u1eb7c linh ho\u1ea1t). M\u1ed9t s\u1ed1 \u0111\u1ed3ng coin th\u01b0\u1eddng \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng cho Lending Coin: <strong>Onecoin, Hextracoin, Bitconnect, Regalcoin, RGX,..<\/strong><\/p><p>Hi\u1ec7n nay, c\u00f3 nhi\u1ec1u k\u00eanh \u0111\u1ec3 b\u1ea1n tham gia Lending Coin:<\/p><ul>\n<li><b>C\u00e1c s\u00e0n giao d\u1ecbch ti\u1ec1n \u0111i\u1ec7n t\u1eed uy t\u00edn:<\/b> Binance, Bitfinex, Poloniex, Gate.io,&#8230; \u01afu \u0111i\u1ec3m c\u1ee7a h\u00ecnh th\u1ee9c n\u00e0y l\u00e0 t\u00ednh ti\u1ec7n l\u1ee3i, d\u1ec5 d\u00e0ng th\u1ef1c hi\u1ec7n tr\u00ean c\u00e1c s\u00e0n giao d\u1ecbch quen thu\u1ed9c.<\/li>\n<li><b>C\u00e1c n\u1ec1n t\u1ea3ng cho vay chuy\u00ean bi\u1ec7t:<\/b> \u0110\u01b0\u1ee3c chia th\u00e0nh hai lo\u1ea1i ch\u00ednh l\u00e0 CeFi v\u00e0 DeFi.<\/li>\n<\/ul><p>\u0110i\u1ec3m kh\u00e1c bi\u1ec7t gi\u1eefa CeFi v\u00e0 DeFi:<\/p><ul>\n<li><b>CeFi (Centralized Finance):<\/b> L\u00e0 c\u00e1c s\u00e0n lending ho\u1ea1t \u0111\u1ed9ng trong h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh t\u1eadp trung. Quy tr\u00ecnh vay m\u01b0\u1ee3n th\u01b0\u1eddng c\u00f3 s\u1ef1 tham gia c\u1ee7a b\u00ean trung gian th\u1ee9 ba \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o t\u00ednh an to\u00e0n v\u00e0 minh b\u1ea1ch. Ng\u01b0\u1eddi d\u00f9ng c\u1ea7n chuy\u1ec3n giao quy\u1ec1n qu\u1ea3n l\u00fd coin c\u1ee7a m\u00ecnh cho n\u1ec1n t\u1ea3ng (custodial) ho\u1eb7c u\u1ef7 quy\u1ec1n cho b\u00ean th\u1ee9 ba (mandate).<\/li>\n<\/ul><p>M\u1ed9t s\u1ed1 n\u1ec1n t\u1ea3ng CeFi ti\u00eau bi\u1ec3u: Nexo, Celsius, BlockFi, Salt,&#8230;<\/p><ul>\n<li><b>DeFi (Decentralized Finance):<\/b> L\u00e0 c\u00e1c n\u1ec1n t\u1ea3ng lending phi t\u1eadp trung, ho\u1ea1t \u0111\u1ed9ng tr\u00ean n\u1ec1n t\u1ea3ng Blockchain. \u01afu \u0111i\u1ec3m c\u1ee7a DeFi l\u00e0 lo\u1ea1i b\u1ecf ho\u00e0n to\u00e0n c\u00e1c trung gian, gi\u00fap t\u0103ng t\u00ednh minh b\u1ea1ch v\u00e0 h\u1ea1n ch\u1ebf r\u1ee7i ro gian l\u1eadn. Ng\u01b0\u1eddi d\u00f9ng t\u1ef1 qu\u1ea3n l\u00fd coin c\u1ee7a m\u00ecnh (non-custodial).<\/li>\n<\/ul><p>M\u1ed9t s\u1ed1 n\u1ec1n t\u1ea3ng DeFi ti\u00eau bi\u1ec3u: Compound, InstaDApp, Dharma, Maker, Aave, Fulcrum, Constant, Bzx, Nuo,&#8230;<\/p><h2>C\u00e1c y\u1ebfu t\u1ed1 c\u1ea7n c\u00e2n nh\u1eafc khi tham gia Lending Coin<\/h2><p><span class=\"replacer\"><\/span><br>\n<strong>Khi tham gia Lending Coin<\/strong><\/p><p>, d\u00f9 tr\u00ean s\u00e0n CeFi hay DeFi, b\u1ea1n c\u1ea7n l\u01b0u \u00fd \u0111\u1ebfn nh\u1eefng th\u00f4ng s\u1ed1 quan tr\u1ecdng sau \u0111\u1ec3 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh \u0111\u1ea7u t\u01b0 hi\u1ec7u qu\u1ea3:<\/p><ol>\n<li><b> L\u00e3i su\u1ea5t cho vay (Lending Interest Rate):<\/b> \u0110\u00e2y l\u00e0 y\u1ebfu t\u1ed1 quan tr\u1ecdng b\u1eadc nh\u1ea5t m\u00e0 m\u1ecdi nh\u00e0 \u0111\u1ea7u t\u01b0 quan t\u00e2m. L\u00e3i su\u1ea5t cho vay c\u00e0ng cao th\u00ec l\u1ee3i nhu\u1eadn b\u1ea1n nh\u1eadn \u0111\u01b0\u1ee3c c\u00e0ng l\u1edbn.<\/li>\n<li><b> Th\u1eddi h\u1ea1n cho vay (Lending Time):<\/b> Th\u1eddi h\u1ea1n cho vay l\u00e0 kho\u1ea3ng th\u1eddi gian \u0111\u1ed3ng coin\/token c\u1ee7a b\u1ea1n b\u1ecb kh\u00f3a v\u00e0 \u0111\u01b0\u1ee3c \u0111em \u0111i lending. Th\u1eddi gian n\u00e0y \u0111\u01b0\u1ee3c t\u00ednh t\u1eeb l\u00fac b\u1eaft \u0111\u1ea7u cho vay \u0111\u1ebfn khi k\u1ebft th\u00fac h\u1ee3p \u0111\u1ed3ng, b\u1ea1n nh\u1eadn l\u1ea1i \u0111\u1ea7y \u0111\u1ee7 v\u1ed1n g\u1ed1c v\u00e0 l\u00e3i vay.<\/li>\n<\/ol><p><strong>Th\u00f4ng th\u01b0\u1eddng,<\/strong><\/p><p>c\u00e1c n\u1ec1n t\u1ea3ng cung c\u1ea5p cho ng\u01b0\u1eddi cho vay nhi\u1ec1u l\u1ef1a ch\u1ecdn th\u1eddi h\u1ea1n kh\u00e1c nhau, v\u00ed d\u1ee5 nh\u01b0 <strong>7 ng\u00e0y, 14 ng\u00e0y, 28 ng\u00e0y, 30 ng\u00e0y ho\u1eb7c 90 ng\u00e0y.<\/strong> Trong kho\u1ea3ng th\u1eddi gian n\u00e0y, b\u1ea1n s\u1ebd kh\u00f4ng th\u1ec3 r\u00fat l\u1ea1i kho\u1ea3n ti\u1ec1n g\u1ed1c \u0111\u00e3 cho vay cho \u0111\u1ebfn ng\u00e0y \u0111\u00e1o h\u1ea1n.<\/p><ol start=\"3\">\n<li><b> T\u00e0i s\u1ea3n cho vay (Lending Assets):<\/b> S\u1ed1 l\u01b0\u1ee3ng \u0111\u1ed3ng <a href=\"https:\/\/cryptonews.com\/vn\/cryptocurrency\/best-crypto-icos\/\">coin\/token \u0111\u00e3 ICO<\/a> m\u00e0 m\u1ed9t n\u1ec1n t\u1ea3ng h\u1ed7 tr\u1ee3 lending c\u00e0ng nhi\u1ec1u th\u00ec ng\u01b0\u1eddi d\u00f9ng c\u00e0ng c\u00f3 nhi\u1ec1u l\u1ef1a ch\u1ecdn \u0111\u1ec3 tham gia Lending Coin.<\/li>\n<li><b> T\u1ed5ng gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c kh\u00f3a (Lending Total Value Locked &#8211; TVL):<\/b> \u0110\u00e2y l\u00e0 t\u1ed5ng gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c kh\u00f3a v\u00e0 s\u1eed d\u1ee5ng tr\u00ean s\u00e0n cho vay. Con s\u1ed1 n\u00e0y ph\u1ea3n \u00e1nh m\u1ee9c \u0111\u1ed9 quan t\u00e2m v\u00e0 tham gia c\u1ee7a ng\u01b0\u1eddi d\u00f9ng \u0111\u1ed1i v\u1edbi n\u1ec1n t\u1ea3ng.<\/li>\n<\/ol><h2>B\u1ea3n ch\u1ea5t ho\u1ea1t \u0111\u1ed9ng Lending tr\u00ean s\u00e0n giao d\u1ecbch v\u00e0 n\u1ec1n t\u1ea3ng chuy\u00ean d\u1ee5ng<\/h2><p><span class=\"replacer\"><\/span><\/p><h3>1. Ngu\u1ed3n g\u1ed1c c\u1ee7a \u0111\u1ed3ng coin \u0111\u01b0\u1ee3c cho vay<\/h3><p><strong>\u0110\u1ec3 cung c\u1ea5p d\u1ecbch v\u1ee5 Margin Trading (giao d\u1ecbch k\u00fd qu\u1ef9),<\/strong><\/p><p>cho ph\u00e9p nh\u00e0 giao d\u1ecbch vay th\u00eam m\u1ed9t ph\u1ea7n coin t\u1eeb s\u00e0n \u0111\u1ec3 gia t\u0103ng \u0111\u00f2n b\u1ea9y t\u00e0i ch\u00ednh, c\u00e1c s\u00e0n giao d\u1ecbch c\u1ea7n c\u00f3 ngu\u1ed3n coin d\u1ef1 tr\u1eef. <strong>Ngu\u1ed3n coin n\u00e0y \u0111\u1ebfn t\u1eeb hai ngu\u1ed3n ch\u00ednh:<\/strong><\/p><ul>\n<li><b>Ngu\u1ed3n d\u1ef1 tr\u1eef ri\u00eang c\u1ee7a s\u00e0n (Reserve Fund):<\/b> Trong ph\u01b0\u01a1ng ph\u00e1p n\u00e0y, s\u00e0n s\u1ebd s\u1eed d\u1ee5ng ch\u00ednh ngu\u1ed3n coin d\u1ef1 tr\u1eef c\u1ee7a m\u00ecnh \u0111\u1ec3 cho vay. Tuy nhi\u00ean, c\u00e1ch n\u00e0y c\u00f3 th\u1ec3 khi\u1ebfn s\u00e0n g\u1eb7p kh\u00f3 kh\u0103n n\u1ebfu l\u01b0\u1ee3ng ng\u01b0\u1eddi vay k\u00fd qu\u1ef9 qu\u00e1 l\u1edbn, \u0111\u00f2i h\u1ecfi s\u00e0n ph\u1ea3i duy tr\u00ec m\u1ed9t l\u01b0\u1ee3ng d\u1ef1 tr\u1eef kh\u1ed5ng l\u1ed3.<\/li>\n<li><b>Vay l\u1ea1i t\u1eeb ng\u01b0\u1eddi d\u00f9ng:<\/b> S\u00e0n giao d\u1ecbch s\u1ebd vay l\u1ea1i coin t\u1eeb ng\u01b0\u1eddi d\u00f9ng v\u1edbi m\u1ed9t l\u00e3i su\u1ea5t nh\u1ea5t \u0111\u1ecbnh (v\u00ed d\u1ee5: A%). Sau \u0111\u00f3, s\u00e0n d\u00f9ng ch\u00ednh s\u1ed1 coin vay \u0111\u01b0\u1ee3c n\u00e0y \u0111\u1ec3 lending Margin Trading v\u1edbi m\u1ed9t m\u1ee9c ph\u00ed Margin cao h\u01a1n (v\u00ed d\u1ee5: B%). Th\u00f4ng th\u01b0\u1eddng, l\u00e3i su\u1ea5t vay t\u1eeb ng\u01b0\u1eddi d\u00f9ng (A%) s\u1ebd th\u1ea5p h\u01a1n ph\u00ed Margin (B%).<\/li>\n<\/ul><h3>2. S\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa Lending tr\u00ean s\u00e0n giao d\u1ecbch v\u00e0 n\u1ec1n t\u1ea3ng chuy\u00ean d\u1ee5ng<\/h3><ul>\n<li>Tr\u00ean s\u00e0n giao d\u1ecbch: Coin tham gia Lending s\u1ebd \u0111\u01b0\u1ee3c \u0111\u01b0a v\u00e0o pool cho vay Margin Trading.<\/li>\n<li>Tr\u00ean n\u1ec1n t\u1ea3ng chuy\u00ean d\u1ee5ng: Coin tham gia Lending s\u1ebd \u0111\u01b0\u1ee3c n\u1ec1n t\u1ea3ng t\u00e1i lending l\u1ea1i cho ng\u01b0\u1eddi \u0111i vay. N\u1ec1n t\u1ea3ng s\u1ebd \u0111\u00f3ng vai tr\u00f2 trung gian v\u00e0 h\u01b0\u1edfng l\u1ee3i nhu\u1eadn t\u1eeb ch\u00eanh l\u1ec7ch gi\u1eefa l\u00e3i su\u1ea5t lending v\u00e0 l\u00e3i su\u1ea5t \u0111i vay.<\/li>\n<\/ul><h2>\u1ea2nh h\u01b0\u1edfng c\u1ee7a Lending \u0111\u1ebfn gi\u00e1 coin<\/h2><p><span class=\"replacer\"><\/span><br>\n<img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-124917 size-full lazyload\" src=\"https:\/\/cimg.co\/p\/no_image.svg\" alt=\"\u1ea2nh h\u01b0\u1edfng c\u1ee7a Lending \u0111\u1ebfn gi\u00e1 coin\" width=\"1200\" height=\"765\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" data-src=\"https:\/\/cryptonews.com\/wp-content\/uploads\/sites\/20\/2024\/03\/1710839811-anh-huong-cua-lending-den-gia-coin.jpg\" data-srcset=\"https:\/\/cimg.co\/wp-content\/uploads\/sites\/20\/2024\/03\/19091651\/1710839811-anh-huong-cua-lending-den-gia-coin.jpg 1200w, https:\/\/cimg.co\/wp-content\/uploads\/sites\/20\/2024\/03\/19091651\/1710839811-anh-huong-cua-lending-den-gia-coin-300x191.jpg 300w, https:\/\/cimg.co\/wp-content\/uploads\/sites\/20\/2024\/03\/19091651\/1710839811-anh-huong-cua-lending-den-gia-coin-1024x653.jpg 1024w, https:\/\/cimg.co\/wp-content\/uploads\/sites\/20\/2024\/03\/19091651\/1710839811-anh-huong-cua-lending-den-gia-coin-768x490.jpg 768w\"><\/p><p>Lending, hay ho\u1ea1t \u0111\u1ed9ng crypto lending, c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn gi\u00e1 c\u1ee7a m\u1ed9t \u0111\u1ed3ng coin theo hai chi\u1ec1u h\u01b0\u1edbng:<strong> t\u00edch c\u1ef1c v\u00e0 ti\u00eau c\u1ef1c.<\/strong><\/p><p><b>T\u00edch c\u1ef1c:<\/b><\/p><ul>\n<li><b>Gi\u1ea3m cung l\u01b0u th\u00f4ng:<\/b> Khi tham gia Lending, coin c\u1ee7a b\u1ea1n s\u1ebd b\u1ecb kh\u00f3a trong m\u1ed9t kho\u1ea3ng th\u1eddi gian nh\u1ea5t \u0111\u1ecbnh. \u0110i\u1ec1u n\u00e0y l\u00e0m gi\u1ea3m l\u01b0\u1ee3ng coin \u0111ang l\u01b0u th\u00f4ng tr\u00ean th\u1ecb tr\u01b0\u1eddng, d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng &#8220;h\u00e0ng hi\u1ebfm&#8221; v\u00e0 theo l\u00fd thuy\u1ebft c\u00f3 th\u1ec3 \u0111\u1ea9y gi\u00e1 coin l\u00ean cao.<\/li>\n<li><b>T\u0103ng c\u1ea7u mua:<\/b> Lending t\u1ea1o ra nhu c\u1ea7u mua coin m\u1edbi \u0111\u1ec3 tham gia lending. Nhu c\u1ea7u t\u0103ng cao trong khi ngu\u1ed3n cung gi\u1ea3m xu\u1ed1ng c\u00f3 th\u1ec3 k\u00edch th\u00edch <a href=\"https:\/\/cryptonews.com\/vn\/cryptocurrency\/best-crypto-presales\/\">gi\u00e1 coin<\/a> t\u0103ng tr\u01b0\u1edfng.<\/li>\n<\/ul><p><b>Tuy nhi\u00ean, t\u00e1c \u0111\u1ed9ng t\u00edch c\u1ef1c n\u00e0y c\u00f2n ph\u1ee5 thu\u1ed9c v\u00e0o nhi\u1ec1u y\u1ebfu t\u1ed1, ch\u1eb3ng h\u1ea1n nh\u01b0:<\/b><\/p><ul>\n<li><b>T\u1ed5ng gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c kh\u00f3a (TVL):<\/b> N\u1ebfu l\u01b0\u1ee3ng coin b\u1ecb kh\u00f3a trong Lending ch\u1ec9 chi\u1ebfm m\u1ed9t t\u1ef7 tr\u1ecdng r\u1ea5t nh\u1ecf so v\u1edbi t\u1ed5ng cung c\u1ee7a \u0111\u1ed3ng coin \u0111\u00f3 (nh\u01b0 tr\u01b0\u1eddng h\u1ee3p Binance Coin &#8211; BNB \u1edf v\u00ed d\u1ee5 d\u01b0\u1edbi \u0111\u00e2y), th\u00ec t\u00e1c \u0111\u1ed9ng gi\u1ea3m cung v\u00e0 t\u0103ng c\u1ea7u s\u1ebd h\u1ea1n ch\u1ebf, \u00edt \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn gi\u00e1 c\u1ea3.<\/li>\n<\/ul><p><b>Ti\u00eau c\u1ef1c (Thuy\u1ebft \u00e2m m\u01b0u):<\/b><\/p><p>M\u1ed9t s\u1ed1 ng\u01b0\u1eddi cho r\u1eb1ng c\u00e1c s\u00e0n giao d\u1ecbch c\u00f3 th\u1ec3 thao t\u00fang gi\u00e1 coin th\u00f4ng qua ho\u1ea1t \u0111\u1ed9ng Lending.<strong> \u00dd t\u01b0\u1edfng n\u00e0y \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng d\u1ef1a tr\u00ean c\u01a1 s\u1edf:<\/strong><\/p><ul>\n<li><b>S\u00e0n giao d\u1ecbch n\u1eafm gi\u1eef m\u1ed9t l\u01b0\u1ee3ng l\u1edbn coin \u0111\u01b0\u1ee3c g\u1eedi v\u00e0o Lending:<\/b> Ng\u01b0\u1eddi d\u00f9ng tham gia lending s\u1ebd chuy\u1ec3n coin c\u1ee7a h\u1ecd cho s\u00e0n. L\u01b0\u1ee3ng coin n\u00e0y c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u00e0n giao d\u1ecbch s\u1eed d\u1ee5ng cho c\u00e1c m\u1ee5c \u0111\u00edch kh\u00e1c nhau.<\/li>\n<li><b>X\u1ea3 h\u00e0ng (dump):<\/b> S\u00e0n giao d\u1ecbch c\u00f3 th\u1ec3 b\u00e1n ra m\u1ed9t l\u01b0\u1ee3ng l\u1edbn coin \u0111ang n\u1eafm gi\u1eef tr\u00ean th\u1ecb tr\u01b0\u1eddng, g\u00e2y \u00e1p l\u1ef1c gi\u1ea3m gi\u00e1. Sau \u0111\u00f3, s\u00e0n c\u00f3 th\u1ec3 mua l\u1ea1i coin v\u1edbi gi\u00e1 r\u1ebb h\u01a1n.<\/li>\n<li><b>T\u0103ng l\u01b0\u1ee3ng coin n\u1eafm gi\u1eef:<\/b> B\u1eb1ng c\u00e1ch thao t\u00fang gi\u00e1 xu\u1ed1ng, s\u00e0n giao d\u1ecbch c\u00f3 th\u1ec3 mua v\u00e0o th\u00eam coin v\u1edbi gi\u00e1 r\u1ebb, gia t\u0103ng l\u01b0\u1ee3ng coin n\u1eafm gi\u1eef c\u1ee7a m\u00ecnh.<\/li>\n<\/ul><h2>K\u1ebft lu\u1eadn<\/h2><p><span class=\"replacer\"><\/span><br>\n<strong>Lending l\u00e0 m\u1ed9t c\u00f4ng c\u1ee5 \u0111\u1ea7u t\u01b0 hi\u1ec7u qu\u1ea3 nh\u01b0ng c\u1ea7n \u0111\u01b0\u1ee3c c\u00e2n nh\u1eafc k\u1ef9 l\u01b0\u1ee1ng b\u1edfi nh\u00e0 \u0111\u1ea7u t\u01b0<\/strong><\/p><p>. C\u1ea7n nghi\u00ean c\u1ee9u c\u1ea9n th\u1eadn c\u00e1c y\u1ebfu t\u1ed1 li\u00ean quan nh\u01b0 quy m\u00f4 th\u1ecb tr\u01b0\u1eddng, TVL, uy t\u00edn c\u1ee7a s\u00e0n v\u00e0 chi\u1ebfn l\u01b0\u1ee3c c\u1ee7a c\u00e1c b\u00ean tham gia.<\/p><p><strong>H\u00e3y lu\u00f4n t\u1ec9nh t\u00e1o v\u00e0 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh s\u00e1ng su\u1ed1t \u0111\u1ec3 <\/strong>t\u1ed1i \u01b0u h\u00f3a l\u1ee3i nhu\u1eadn v\u00e0 h\u1ea1n ch\u1ebf r\u1ee7i ro trong th\u1ecb tr\u01b0\u1eddng \u0111\u1ea7y bi\u1ebfn \u0111\u1ed9ng n\u00e0y.<\/p><h2>FAQ &#8211; C\u00e1c c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p<\/h2><p><span class=\"replacer\"><\/span><\/p><h3>Coin Lending l\u00e0 g\u00ec?<\/h3><p>Lending, hay lending, l\u00e0 h\u00ecnh th\u1ee9c cho ph\u00e9p ng\u01b0\u1eddi d\u00f9ng s\u1eed d\u1ee5ng ch\u00ednh nh\u1eefng \u0111\u1ed3ng coin m\u00e0 h\u1ecd n\u1eafm gi\u1eef \u0111\u1ec3 sinh l\u1eddi. B\u1ea1n c\u00f3 th\u1ec3 cho vay coin c\u1ee7a m\u00ecnh cho ng\u01b0\u1eddi kh\u00e1c v\u1edbi m\u1ed9t m\u1ee9c l\u00e3i su\u1ea5t nh\u1ea5t \u0111\u1ecbnh v\u00e0 nh\u1eadn l\u1ea1i l\u1ee3i nhu\u1eadn sau m\u1ed9t th\u1eddi gian nh\u1ea5t \u0111\u1ecbnh.<\/p><h3>Over-Collateralized Lending l\u00e0 g\u00ec?<\/h3><p>Over-Collateralized Lending, hay cho vay qu\u00e1 chu\u1ea9n, l\u00e0 h\u00ecnh th\u1ee9c cho vay \u0111\u00f2i h\u1ecfi ng\u01b0\u1eddi vay ph\u1ea3i th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n c\u00f3 gi\u00e1 tr\u1ecb cao h\u01a1n so v\u1edbi s\u1ed1 ti\u1ec1n vay.<\/p><h3>P2P Lending l\u00e0 g\u00ec?<\/h3><p><b>P2P Lending<\/b><\/p><p>, hay cho vay ngang h\u00e0ng, l\u00e0 h\u00ecnh th\u1ee9c k\u1ebft n\u1ed1i tr\u1ef1c ti\u1ebfp gi\u1eefa ng\u01b0\u1eddi cho vay v\u00e0 ng\u01b0\u1eddi vay m\u00e0 kh\u00f4ng c\u1ea7n th\u00f4ng qua trung gian nh\u01b0 ng\u00e2n h\u00e0ng.<\/p><h3>Under-Collateralized Lending l\u00e0 g\u00ec?<\/h3><p>Under-Collateralized Lending, hay cho vay d\u01b0\u1edbi chu\u1ea9n, l\u00e0 h\u00ecnh th\u1ee9c cho vay kh\u00f4ng y\u00eau c\u1ea7u ng\u01b0\u1eddi vay th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n ho\u1eb7c ch\u1ec9 y\u00eau c\u1ea7u th\u1ebf ch\u1ea5p m\u1ed9t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n nh\u1ecf h\u01a1n so v\u1edbi s\u1ed1 ti\u1ec1n vay.<\/p>","protected":false},"excerpt":{"rendered":"<p>Lending Coin &#8211; m\u1ed9t trong nh\u1eefng h\u00ecnh th\u1ee9c \u0111\u1ea7u t\u01b0 \u0111ang r\u1ea5t \u0111\u01b0\u1ee3c quan t\u00e2m th\u1eddi gian g\u1ea7n \u0111\u00e2y. Lending Coin m\u1edf ra nhi\u1ec1u l\u1ef1a ch\u1ecdn \u0111a d\u1ea1ng cho nh\u00e0 \u0111\u1ea7u t\u01b0, t\u1eeb c\u00e1c n\u1ec1n t\u1ea3ng ri\u00eang bi\u1ec7t nh\u01b0 NEXO, Cred, Constant, BlockFi&#8230; cho \u0111\u1ebfn vi\u1ec7c cho vay tr\u1ef1c ti\u1ebfp tr\u00ean c\u00e1c s\u00e0n giao d\u1ecbch [&hellip;]<\/p>\n","protected":false},"author":477,"featured_media":124894,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"topics":[292],"class_list":["post-136927","academy","type-academy","status-publish","has-post-thumbnail","hentry","topics-defi","experience-intermediate","content_type-explanation"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Coin Lending L\u00e0 G\u00ec? C\u00e1ch Th\u1ee9c Ho\u1ea1t \u0110\u1ed9ng C\u1ee7a Lending Coin<\/title>\n<meta name=\"description\" content=\"Coin Lending l\u00e0 g\u00ec? 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T\u1ea5t c\u1ea3 m\u1ecdi th\u1ee9 c\u1ea7n bi\u1ebft v\u1ec1 crypto lending ngay!","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/cryptonews.com\/vn\/academy\/what-is-lending-coin\/","og_locale":"vi_VN","og_type":"article","og_title":"Coin Lending L\u00e0 G\u00ec? C\u00e1ch Th\u1ee9c Ho\u1ea1t \u0110\u1ed9ng C\u1ee7a Lending Coin","og_description":"Coin Lending l\u00e0 g\u00ec? C\u00e1c h\u00ecnh th\u1ee9c lending trong th\u1ecb tr\u01b0\u1eddng ti\u1ec1n \u0111i\u1ec7n t\u1eed? 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