{"id":467715,"date":"2020-09-13T14:00:43","date_gmt":"2020-09-13T11:00:43","guid":{"rendered":"https:\/\/www.etoro.com\/crypto\/demystifying-decentralised-finance\/"},"modified":"2025-11-03T14:24:11","modified_gmt":"2025-11-03T12:24:11","slug":"demystifying-decentralised-finance","status":"publish","type":"page","link":"https:\/\/www.etoro.com\/cs-cz\/crypto\/demystifying-decentralised-finance\/","title":{"rendered":"Demystifikace decentralizovan\u00fdch financ\u00ed"},"content":{"rendered":"\n<p class=\"is-style-summary\">Decentralizovan\u00e9 finance (DeFi) p\u0159edstavuj\u00ed otev\u0159en\u00fd finan\u010dn\u00ed syst\u00e9m bez prost\u0159edn\u00edk\u016f, kde transakce prob\u00edhaj\u00ed p\u0159es blockchain. U\u017eivatel\u00e9 maj\u00ed plnou kontrolu nad sv\u00fdmi prost\u0159edky, p\u0159i\u010dem\u017e k tomu, aby je mohli spo\u0159it, p\u016fj\u010dovat nebo s nimi glob\u00e1ln\u011b obchodovat, jim sta\u010d\u00ed chytr\u00fd telefon a p\u0159ipojen\u00ed k internetu.<\/p>\n\n\n\n\n\n\n<hr class=\"wp-block-separator wp-block-separator-color-dark-grey wp-block-separator-spaces-medium wp-block-separator-weight-1\"\/>\n\n\n\n<p>Jedn\u00edm z hlavn\u00edch l\u00e1kadel <strong><e-tip data-tooltip=\"Kryptom\u011bny jsou decentralizovan\u00fd druh digit\u00e1ln\u00edch pen\u011bz, jejich\u017e transakce jsou zaznamen\u00e1v\u00e1ny v digit\u00e1ln\u00ed \u00fa\u010detn\u00ed knize\">kryptom\u011bn<\/e-tip><\/strong>&nbsp;a decentralizovan\u00fdch financ\u00ed je mo\u017enost zajistit, aby p\u0159evody pen\u011bz a platby byly <strong>p\u0159\u00edstupn\u00e9 komukoliv, bez ohledu na to, kde na sv\u011bt\u011b se nach\u00e1z\u00ed a ani\u017e by byl z\u00e1visl\u00fd na centralizovan\u00fdch autorit\u00e1ch<\/strong>, kter\u00fdm \u0159\u00edk\u00e1me banky.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"756\" height=\"400\" src=\"https:\/\/www.etoro.com\/wp-content\/uploads\/2023\/08\/Demystifying-Decentralised-Finance-DeFi-Body-Image-1_-What-exactly-is-DeFi_.png\" alt=\"\" class=\"wp-image-679648 wp-image-desktop\" srcset=\"https:\/\/www.etoro.com\/wp-content\/uploads\/2023\/08\/Demystifying-Decentralised-Finance-DeFi-Body-Image-1_-What-exactly-is-DeFi_.png 756w, https:\/\/www.etoro.com\/wp-content\/uploads\/2023\/08\/Demystifying-Decentralised-Finance-DeFi-Body-Image-1_-What-exactly-is-DeFi_-300x159.png 300w\" sizes=\"(max-width: 756px) 100vw, 756px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Co je DeFi?<\/h2>\n\n\n\n<p>DeFi neboli <strong>decentralizovan\u00e9 finance jsou finan\u010dn\u00ed slu\u017eby postaven\u00e9 na blockchainu, kter\u00e9 funguj\u00ed bez bank a zprost\u0159edkovatel\u016f<\/strong>. Vyu\u017e\u00edvaj\u00ed tzv. smart kontrakty a decentralizovan\u00e9 aplikace, nej\u010dast\u011bji na s\u00edti <a href=\"https:\/\/www.etoro.com\/markets\/eth\">Ethereum<\/a> (ETH), a umo\u017e\u0148uj\u00ed komukoli spo\u0159it, p\u016fj\u010dovat \u010di s nimi obchodovat odkudkoli na sv\u011bt\u011b.<\/p>\n\n\n\n<div class=\"wp-block-etoro-emphasis wp-block-etoro-emphasis-border-green\">\n<p>P\u0159esto\u017ee mo\u017enosti vyu\u017eit\u00ed DeFi jsou obrovsk\u00e9, jde st\u00e1le o novou technologii, kter\u00e1 je teprve v plenk\u00e1ch.<\/p>\n<\/div>\n\n\n\n<p>Mezi<strong> platformy decentralizovan\u00fdch financ\u00ed, kter\u00e9 jsou obecn\u011b zn\u00e1m\u00e9, pat\u0159\u00ed decentralizovan\u00e9 burzy a tokenizovan\u00e1 fyzick\u00e1 aktiva<\/strong>, jako je nap\u0159\u00edklad <a href=\"https:\/\/www.etoro.com\/cs-cz\/trading\/how-to-buy-gold\/\">zlato<\/a> a dal\u0161\u00ed. DeFi se ale roz\u0161i\u0159uje i do dal\u0161\u00edch finan\u010dn\u00edch slu\u017eeb, jako jsou platebn\u00ed s\u00edt\u011b, poji\u0161t\u011bn\u00ed \u010di deriv\u00e1ty.<\/p>\n\n\n\n<p>Pokud jste ve sv\u011bt\u011b kryptom\u011bn nov\u00e1\u010dkem, pravd\u011bpodobn\u011b to pro v\u00e1s zn\u00ed jako n\u011bjak\u00e1 hatmatilka. Poj\u010fme si tedy rozebrat <strong>kl\u00ed\u010dov\u00e9 prvky, kter\u00e9 DeFi poh\u00e1n\u011bj\u00ed.<\/strong><\/p>\n\n\n\n<div class=\"wp-block-columns are-vertically-aligned-top wp-block-columns-1 is-layout-flex wp-container-core-columns-is-layout-1 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-table\"><div class=\"wp-block-table-content\"><div class=\"wp-block-table-content-nav wp-block-table-content-nav-left\"><div class=\"wp-block-table-content-nav-arrow wp-block-table-content-nav-arrow-left\"><\/div><\/div><div class=\"wp-block-table-content-nav wp-block-table-content-nav-right\"><div class=\"wp-block-table-content-nav-arrow wp-block-table-content-nav-arrow-right\"><\/div><\/div><div class=\"wp-block-table-content-table\"><table class=\"has-fixed-layout\"><thead><tr><th><strong>Smart kontrakty<\/strong><\/th><th><strong>Decentralizovan\u00e9 aplikace (DApps)<\/strong><\/th><th><strong>Decentralizovan\u00e1 burza (DEX)<\/strong><\/th><\/tr><\/thead><tbody><tr><td><a href=\"https:\/\/finex.cz\/chytre-kontrakty-smart-contracts-co-jsou-a-jak-funguji\/\" target=\"_blank\" rel=\"noreferrer noopener\">Smart kontrakty<\/a> jsou to, co d\u011bl\u00e1 Ethereum jedine\u010dn\u00fdm \u2013 umo\u017e\u0148uj\u00ed aplikac\u00edm <strong>fungovat na vlastn\u00ed s\u00edti a vytv\u00e1\u0159et digit\u00e1ln\u00ed aktiva.<\/strong><br><br>D\u00edky tomu mohou prov\u00e1d\u011bt platby a p\u0159evody, ke kter\u00fdm nen\u00ed pot\u0159eba \u017e\u00e1dn\u00fd prost\u0159edn\u00edk, jako je banka nebo jin\u00e1 finan\u010dn\u00ed instituce.<\/td><td>Jde o <strong>softwarov\u00e9 aplikace, kter\u00e9 funguj\u00ed na tzv. peer-to-peer s\u00edti.<\/strong> Nefunguj\u00ed tedy na \u017e\u00e1dn\u00e9m centralizovan\u00e9m serveru.<br><br><strong>DApps vypadaj\u00ed jako jak\u00e1koliv aplikace<\/strong>, kterou m\u016f\u017eete vyu\u017e\u00edvat ve sv\u00e9m chytr\u00e9m telefonu nebo prost\u0159ednictv\u00edm webov\u00e9ho prohl\u00ed\u017ee\u010de. Jedin\u00fd rozd\u00edl je, \u017ee funguj\u00ed na decentralizovan\u00e9 s\u00edti, jako je Ethereum.<\/td><td><a href=\"https:\/\/www.etoro.com\/cs-cz\/news-and-analysis\/crypto\/what-is-defi\/\">Decentralizovanou burzu<\/a> bychom mohli p\u0159irovnat nap\u0159\u00edklad k obchodn\u00ed platform\u011b eToro \u2013 jsou zde v\u0161ak jist\u00e9 rozd\u00edly.<br><br>Decentralizovan\u00e1 burza nap\u0159\u00edklad funguje na smart kontraktech a vyu\u017e\u00edv\u00e1 k tomu blockchain Ethereum. A m\u00edsto klasick\u00fdch aktiv na n\u00ed m\u016f\u017eete obchodovat s <a href=\"https:\/\/www.etoro.com\/cs-cz\/discover\/markets\/cryptocurrencies?funnelFromId=57\">kryptom\u011bnami<\/a> a krypto tokeny.<br><br>Mezi nejv\u011bt\u0161\u00ed v\u00fdhodu pat\u0159\u00ed odolnost v\u016f\u010di nebezpe\u010dn\u00fdm vliv\u016fm \u2013 je zde <strong>z\u00e1sadn\u00edm zp\u016fsobem omezeno riziko ztr\u00e1ty va\u0161ich aktiv<\/strong>.<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/figure>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Jak se DeFi li\u0161\u00ed od tradi\u010dn\u00edch financ\u00ed?<\/h2>\n\n\n\n<p><strong>DeFi jsou finan\u010dn\u00ed slu\u017eby bez bank, postaven\u00e9 na blockchainu \u2013 nej\u010dast\u011bji Ethereu<\/strong>. V\u0161e funguje d\u00edky chytr\u00fdm smlouv\u00e1m \u2013 bez prost\u0159edn\u00edk\u016f, bez byrokracie a s men\u0161\u00edm prostorem pro chyby. U\u017eivatel m\u00e1 plnou kontrolu, p\u0159\u00edstup odkudkoli a kdykoliv a mo\u017enost kombinovat slu\u017eby dle vlastn\u00edch pot\u0159eb.<\/p>\n\n\n\n<ul class=\"wp-block-list wp-block-list wp-block-list-circle\">\n<li><strong>M\u00e9n\u011b prostoru pro lidsk\u00e9 chyby<br><\/strong>D\u00edky tomu, \u017ee DeFi vyu\u017e\u00edv\u00e1 smart kontrakty, funguje na pravidlech, kter\u00e9 jsou zaps\u00e1ny v k\u00f3du. Jakmile je smart kontrakt nasazen do s\u00edt\u011b, decentralizovan\u00e1 aplikace dok\u00e1\u017ee fungovat s minim\u00e1ln\u00ed pot\u0159ebou lidsk\u00e9ho z\u00e1sahu.<\/li>\n\n\n\n<li><strong>\u00dapln\u00e1 transparentnost<br><\/strong>Vzhledem k decentralizovan\u00e9 povaze blockchainu jsou smart kontrakty v podstat\u011b open source a m\u016f\u017ee je kontrolovat kdokoliv. To vede k vysok\u00e9 m\u00ed\u0159e d\u016fv\u011bry u\u017eivatel\u016f.<\/li>\n\n\n\n<li><strong>P\u0159\u00edstup kdykoli a&nbsp;kdekoli<br><\/strong>DeFi a DApps, kter\u00e9 je poh\u00e1n\u011bj\u00ed, jsou navr\u017eeny tak, aby k nim bylo mo\u017en\u00e9 p\u0159istupovat glob\u00e1ln\u011b, bez omezen\u00ed mezin\u00e1rodn\u00edch hranic. Nicm\u00e9n\u011b je d\u016fle\u017eit\u00e9 m\u00edt na pam\u011bti, \u017ee st\u00e1le mohou platit r\u016fzn\u00e9 m\u00edstn\u00ed p\u0159edpisy t\u00fdkaj\u00edc\u00ed se digit\u00e1ln\u00edch m\u011bn.<\/li>\n\n\n\n<li><strong>\u017d\u00e1dn\u00e1 byrokracie<br><\/strong>DeFi jsou \u201ebez schvalov\u00e1n\u00ed\u201c, co\u017e znamen\u00e1, \u017ee nen\u00ed t\u0159eba \u0159e\u0161it \u017e\u00e1dn\u00e9 zprost\u0159edkovatele ani vypl\u0148ovat zdlouhav\u00e9 formul\u00e1\u0159e. Se smart kontrakty m\u016f\u017eete komunikovat p\u0159\u00edmo ze sv\u00e9 <a href=\"https:\/\/www.etoro.com\/cs-cz\/crypto\/wallet-guide\/\">krypto pen\u011b\u017eenky<\/a>.<\/li>\n\n\n\n<li><strong>Flexibiln\u00ed u\u017eivatelsk\u00e9 prost\u0159ed\u00ed <br><\/strong>Kdokoli m\u00e1 mo\u017enost sestavit nebo upravit sv\u00e9 rozhran\u00ed. P\u0159edstavte si smart kontrakty jako open-source API: pokud se v\u00e1m nel\u00edb\u00ed rozhran\u00ed n\u011bkter\u00e9 z DApps, m\u016f\u017eete jednodu\u0161e pou\u017e\u00edt rozhran\u00ed t\u0159et\u00ed strany, nebo si dokonce vytvo\u0159it vlastn\u00ed.<\/li>\n\n\n\n<li><strong>Modularita<br><\/strong>Nov\u00e9 DApps lze libovoln\u011b vytv\u00e1\u0159et nebo p\u0159izp\u016fsobovat hladk\u00fdm propojov\u00e1n\u00edm dal\u0161\u00edch produkt\u016f DeFi podobn\u011b jako digit\u00e1ln\u00ed d\u00edlky Lega. Velikost nen\u00ed probl\u00e9m, velk\u00e9 a komplexn\u00ed DeFi platformy maj\u00ed mo\u017enost vytv\u00e1\u0159et zcela nov\u00e9 produkty.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Existuj\u00ed n\u011bjak\u00e9 nev\u00fdhody pou\u017e\u00edv\u00e1n\u00ed DeFi?<\/h2>\n\n\n\n<p>Ano, i DeFi maj\u00ed sv\u00e1 rizika. Chytr\u00e9 smlouvy mohou obsahovat chyby, u\u017eivatel nese plnou odpov\u011bdnost za sv\u00e1 data i finance, a neexistuje \u017e\u00e1dn\u00e9 poji\u0161t\u011bn\u00ed vklad\u016f. Nav\u00edc jsou <strong>decentralizovan\u00e9 finan\u010dn\u00ed slu\u017eby slo\u017eit\u011bj\u0161\u00ed na pou\u017eit\u00ed a jsou vystaven\u00e9 volatiln\u00edm v\u00fdkyv\u016fm trhu i nejistot\u011b z hlediska regulac\u00ed<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ni\u017e\u0161\u00ed rychlost transakc\u00ed<\/h3>\n\n\n\n<p>Decentralizovan\u00e9 <strong><e-tip data-tooltip=\"Z\u00e1znamy kryptom\u011bnov\u00fdch transakc\u00ed\">blockchainy<\/e-tip><\/strong>&nbsp;jsou v sou\u010dasn\u00e9 dob\u011b pomalej\u0161\u00ed ne\u017e jejich centralizovan\u00e9 alternativy, co\u017e m\u016f\u017ee m\u00edt vliv na DApps, kter\u00e9 jsou na nich postaveny. P\u0159esto <strong>mnoho v\u00fdvoj\u00e1\u0159\u016f sv\u00e9 DApps optimalizuje, aby tento nedostatek eliminovali<\/strong>, a samotn\u00e1 technologie se neust\u00e1le zlep\u0161uje.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Zodpov\u011bdnost u\u017eivatel\u016f<\/h3>\n\n\n\n<p><strong>DeFi p\u0159en\u00e1\u0161\u00ed ve\u0161kerou odpov\u011bdnost na u\u017eivatele<\/strong>. Pokud omylem p\u0159evedete pen\u00edze na \u0161patnou adresu nebo zapomenete heslo ke sv\u00e9 <strong><e-tip data-tooltip=\"Za\u0159\u00edzen\u00ed nebo program, kter\u00fd uchov\u00e1v\u00e1 kryptom\u011bnov\u00e9 kl\u00ed\u010de a mince.\">kryptopen\u011b\u017eence<\/e-tip><\/strong>, p\u0159ijdete o sv\u00e9 pen\u00edze. Neexistuje \u017e\u00e1dn\u00e1 z\u00e1kaznick\u00e1 podpora, kter\u00e1 by v\u00e1m pomohla transakci zru\u0161it nebo z\u00edskat p\u0159\u00edstup ke sv\u00e9mu \u00fa\u010dtu.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Strm\u00e1 k\u0159ivka u\u010den\u00ed<\/h3>\n\n\n\n<p><strong>Technologie blockchainu je ze sv\u00e9 podstaty slo\u017eit\u00e1 a dal\u0161\u00ed kroky nutn\u00e9 k vyu\u017e\u00edv\u00e1n\u00ed slu\u017eeb DeFi mohou b\u00fdt pro nov\u00e1\u010dky pom\u011brn\u011b n\u00e1ro\u010dn\u00e9<\/strong>, co\u017e je umocn\u011bno <a href=\"https:\/\/www.etoro.com\/cs-cz\/investing\/risk-management\/\">rizikem<\/a>, \u017ee jedna chyba m\u016f\u017ee v\u00e9st k nen\u00e1vratn\u00e9 ztr\u00e1t\u011b finan\u010dn\u00edch prost\u0159edk\u016f.<\/p>\n\n\n\n<p>Mnoz\u00ed se domn\u00edvaj\u00ed (a maj\u00ed k tomu dobr\u00fd d\u016fvod), \u017ee vytvo\u0159en\u00ed u\u017eivatelsky p\u0159\u00edv\u011btiv\u011bj\u0161\u00edho prost\u0159ed\u00ed je kl\u00ed\u010dem k tomu, aby kryptom\u011bny dos\u00e1hly <strong>masov\u00e9ho p\u0159ijet\u00ed.<\/strong><\/p>\n\n\n\n<div class=\"wp-block-columns are-vertically-aligned-top wp-block-columns-2 wp-block-columns-1 is-layout-flex wp-container-core-columns-is-layout-2 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-etoro-pros-cons wp-block-etoro-pros\"><div class=\"wp-block-etoro-pros-cons-title\"><strong>V\u00fdhody decentralizovan\u00fdch financ\u00ed<\/strong><\/div><div class=\"wp-block-etoro-pros-cons-content\">\n<ul class=\"wp-block-list wp-block-list wp-block-list-circle\">\n<li>M\u00e9n\u011b prostoru pro lidsk\u00e9 chyby<\/li>\n\n\n\n<li>\u00dapln\u00e1 transparentnost<\/li>\n\n\n\n<li>P\u0159\u00edstup kdykoli a kdekoli<\/li>\n\n\n\n<li>\u017d\u00e1dn\u00e1 byrokracie<\/li>\n\n\n\n<li>Flexibiln\u00ed u\u017eivatelsk\u00e9 prost\u0159ed\u00ed<\/li>\n\n\n\n<li>Modularita<\/li>\n<\/ul>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-etoro-pros-cons wp-block-etoro-cons\"><div class=\"wp-block-etoro-pros-cons-title\"><strong>Nev\u00fdhody decentralizovan\u00fdch financ\u00ed<\/strong><\/div><div class=\"wp-block-etoro-pros-cons-content\">\n<ul class=\"wp-block-list wp-block-list wp-block-list-circle\">\n<li>Ni\u017e\u0161\u00ed rychlost transakc\u00ed<\/li>\n\n\n\n<li>Zodpov\u011bdnost u\u017eivatel\u016f<\/li>\n\n\n\n<li>Strm\u00e1 k\u0159ivka u\u010den\u00ed<\/li>\n<\/ul>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Na co se DeFi v&nbsp;sou\u010dasnosti vyu\u017e\u00edv\u00e1?<\/h2>\n\n\n\n<p>DeFi se dnes vyu\u017e\u00edv\u00e1 hlavn\u011b k obchodov\u00e1n\u00ed na decentralizovan\u00fdch burz\u00e1ch (DEX),<strong> k poskytov\u00e1n\u00ed a z\u00edsk\u00e1v\u00e1n\u00ed p\u016fj\u010dek, spo\u0159en\u00ed s \u00faroky, poji\u0161t\u011bn\u00ed nebo spr\u00e1v\u011b digit\u00e1ln\u00edch aktiv<\/strong>. I p\u0159esto, \u017ee je tato technologie pom\u011brn\u011b nov\u00e1, rychle roste a nab\u00edz\u00ed nov\u00e9 mo\u017enosti bez nutnosti z\u00e1sahu bank.<\/p>\n\n\n\n<p>To u\u017eivatel\u016fm <strong>umo\u017e\u0148uje investovat digit\u00e1ln\u00ed aktiva a z\u00edskat \u00faroky nebo je stakovat a z\u00edskat<\/strong><a href=\"https:\/\/finex.cz\/co-jsou-stablecoiny-kryptomeny\/\" rel=\"nofollow noopener noreferrer\" ><strong> stablecoiny<\/strong><\/a>, jejich\u017e hodnota je v\u00e1z\u00e1na na americk\u00fd dolar. Sv\u00fdm zp\u016fsobem je to takov\u00e1 blockchainov\u00e1 verze <strong><e-tip data-tooltip=\"term\u00edn, kter\u00fd se pou\u017e\u00edv\u00e1 k ozna\u010den\u00ed technologie, kter\u00e1 se pou\u017e\u00edv\u00e1 ve finan\u010dn\u00edm odv\u011btv\u00ed k podpo\u0159e slu\u017eeb\">fintech<\/e-tip><\/strong> peer-to-peer p\u016fj\u010dek. Nyn\u00ed si rozebereme dva smart kontrakty, kter\u00e9 tuto slu\u017ebu zprost\u0159edkov\u00e1vaj\u00ed.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"756\" height=\"400\" src=\"https:\/\/www.etoro.com\/wp-content\/uploads\/2023\/08\/Demystifying-Decentralised-Finance-DeFi-Body-Image-2_-Are-there-any-drawbacks-to-using-DeFi_-2.png\" alt=\"\" class=\"wp-image-679711 wp-image-desktop\" srcset=\"https:\/\/www.etoro.com\/wp-content\/uploads\/2023\/08\/Demystifying-Decentralised-Finance-DeFi-Body-Image-2_-Are-there-any-drawbacks-to-using-DeFi_-2.png 756w, https:\/\/www.etoro.com\/wp-content\/uploads\/2023\/08\/Demystifying-Decentralised-Finance-DeFi-Body-Image-2_-Are-there-any-drawbacks-to-using-DeFi_-2-300x159.png 300w\" sizes=\"(max-width: 756px) 100vw, 756px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">MakerDAO a&nbsp;DAI<\/h3>\n\n\n\n<p><a href=\"https:\/\/makerdao.com\/en\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>MakerDAO<\/strong><\/a><strong> je smart kontrakt, kter\u00fd zaji\u0161\u0165uje funkci p\u016fj\u010dov\u00e1n\u00ed.<\/strong> Funguje tak, \u017ee otev\u00edr\u00e1 zaji\u0161t\u011bnou dluhovou pozici (collateralised debt position, CDP), kter\u00e1 je stakov\u00e1na pomoc\u00ed kryptom\u011bny Ethereum.<\/p>\n\n\n\n<p>Ethereum pak slou\u017e\u00ed jako kolater\u00e1l a vy si m\u016f\u017eete p\u016fj\u010dit prost\u0159edky ve form\u011b tokenu DAI, co\u017e je <strong><e-tip data-tooltip=\"Kryptom\u011bny, kter\u00e9 jsou kryt\u00e9 jin\u00fdmi aktivy nebo referen\u010dn\u00edmi m\u011bnami, nap\u0159\u00edklad americk\u00fdm dolarem.\">stablecoin<\/e-tip><\/strong> s hodnotou rovnou USD. <strong>Z t\u00e9to \u201ep\u016fj\u010dky\u201c se plat\u00ed ro\u010dn\u00ed \u00farokov\u00e1 sazba<\/strong>, tzv. stabiliza\u010dn\u00ed poplatek, kter\u00fd slou\u017e\u00ed jako pojistka proti nadm\u011brn\u00e9 inflaci celkov\u00e9 nab\u00eddky DAI.<\/p>\n\n\n\n<p>V jist\u00e9m smyslu MakerDAO funguje podobn\u011b jako centr\u00e1ln\u00ed banka t\u00edm, \u017ee vyd\u00e1v\u00e1 DAI a z\u00e1rove\u0148 zaji\u0161\u0165uje stabilitu jejich hodnoty. <strong>Pokud nap\u0159\u00edklad nab\u00eddka DAI p\u0159\u00edli\u0161 vzroste a zp\u016fsob\u00ed pokles jeho hodnoty pod 1 USD, MakerDAO zv\u00fd\u0161\u00ed <\/strong><a href=\"https:\/\/www.etoro.com\/cs-cz\/trading\/fees\/\"><strong>poplatek<\/strong><\/a><strong> za stabilitu (\u00farokovou sazbu)<\/strong>, aby povzbudila ty, kte\u0159\u00ed maj\u00ed aktivn\u00ed p\u016fj\u010dky, ke spl\u00e1cen\u00ed sv\u00fdch dluh\u016f.<\/p>\n\n\n\n<p>Sou\u010dasn\u011b token <strong>DAI funguje jako digitalizovan\u00e1 verze americk\u00e9ho dolaru<\/strong>. Zat\u00edmco Ethereum pou\u017e\u00edvan\u00e9 jako kolater\u00e1l st\u00e1le podl\u00e9h\u00e1 <strong><e-tip data-tooltip=\"M\u00edra nep\u0159edv\u00eddateln\u00fdch zm\u011bn cen trh\u016f nebo akci\u00ed v dan\u00e9m \u010dase\">volatilit\u011b<\/e-tip><\/strong>&nbsp;trhu s kryptom\u011bnami, u DAI se lze spolehnout, \u017ee z\u016fstane v pom\u011bru 1:1 s USD.<\/p>\n\n\n\n<p>To <strong>vytv\u00e1\u0159\u00ed p\u0159irozenou popt\u00e1vku po DAI, proto\u017ee je digit\u00e1ln\u00ed a z\u00e1rove\u0148 stabiln\u00ed<\/strong>, co\u017e z n\u011bj \u010din\u00ed ide\u00e1ln\u00ed m\u011bnu pro online platby, hern\u00ed transakce, p\u016fj\u010dky a mnoho dal\u0161\u00edho.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"756\" height=\"400\" src=\"https:\/\/www.etoro.com\/wp-content\/uploads\/2023\/08\/Demystifying-Decentralised-Finance-DeFi-Body-Image-3_-The-future-of-DeFi.png\" alt=\"\" class=\"wp-image-679732 wp-image-desktop\" srcset=\"https:\/\/www.etoro.com\/wp-content\/uploads\/2023\/08\/Demystifying-Decentralised-Finance-DeFi-Body-Image-3_-The-future-of-DeFi.png 756w, https:\/\/www.etoro.com\/wp-content\/uploads\/2023\/08\/Demystifying-Decentralised-Finance-DeFi-Body-Image-3_-The-future-of-DeFi-300x159.png 300w\" sizes=\"(max-width: 756px) 100vw, 756px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Compound<\/h3>\n\n\n\n<p><a href=\"https:\/\/compound.finance\/\" target=\"_blank\" rel=\"noreferrer noopener\">Compound<\/a> je dal\u0161\u00ed smart kontrakt, kter\u00fd umo\u017e\u0148uje nab\u00edzen\u00ed p\u016fj\u010dek i p\u016fj\u010dov\u00e1n\u00ed si. M\u016f\u017eete na n\u011bj vkl\u00e1dat prost\u0159edky podobn\u011b jako na spo\u0159\u00edc\u00ed \u00fa\u010det, kter\u00e9 se n\u00e1sledn\u011b \u00faro\u010d\u00ed. Kl\u00ed\u010dov\u00fd rozd\u00edl je v tom, \u017ee <strong>\u00farok se za\u010d\u00edn\u00e1 na\u010d\u00edtat od okam\u017eiku, kdy v\u00e1\u0161 vklad doraz\u00ed <\/strong>do smart kontraktu Compound.<\/p>\n\n\n\n<p>Nav\u00edc \u00farokov\u00e1 sazba, kterou z\u00edsk\u00e1te, b\u00fdv\u00e1 obvykle vy\u0161\u0161\u00ed ne\u017e ta, kterou mohou nab\u00eddnout tradi\u010dn\u00ed spo\u0159ic\u00ed \u00fa\u010dty. Vzhledem k tomu, \u017ee se jedn\u00e1 o smart kontrakt,<strong> nejsou zde \u017e\u00e1dn\u00e9 provozn\u00ed n\u00e1klady ani poplatky za veden\u00ed \u00fa\u010dtu<\/strong>.<\/p>\n\n\n\n<div class=\"wp-block-etoro-emphasis wp-block-etoro-emphasis-border-green\">\n<p>Decentralizovanou burzu bychom mohli p\u0159irovnat nap\u0159\u00edklad k obchodn\u00ed platform\u011b eToro, ale jsou zde i jist\u00e9 rozd\u00edly. V prvn\u00ed \u0159ad\u011b funguje decentralizovan\u00e1 burza na smart kontraktech a vyu\u017e\u00edv\u00e1 k tomu blockchain Ethereum.<\/p>\n<\/div>\n\n\n\n<p>Na Compound lze vkl\u00e1dat DAI, kter\u00e9 se pak sm\u011b\u0148uj\u00ed za cDAI (cTokeny). <strong>Ty p\u0159edstavuj\u00ed jak v\u00e1\u0161 vklad, tak slo\u017een\u00fd \u00farok<\/strong>, kter\u00fd z\u00edsk\u00e1te. A\u010dkoli lze ukl\u00e1dat i n\u011bkter\u00e9 dal\u0161\u00ed kryptom\u011bny, jako je Ethereum a <a href=\"https:\/\/basicattentiontoken.org\/\" target=\"_blank\" rel=\"noreferrer noopener\">Basic Attention Token<\/a>, stablecoiny (nap\u0159. DAI a Tether) jsou obvykle nejobl\u00edben\u011bj\u0161\u00ed, proto\u017ee nab\u00edzej\u00ed vy\u0161\u0161\u00ed m\u00edru n\u00e1vratnosti.<\/p>\n\n\n\n<p>Proces p\u016fj\u010dov\u00e1n\u00ed na Compound funguje podobn\u011b jako u MakerDAO, p\u0159i\u010dem\u017e <strong>p\u016fj\u010dky jsou zaji\u0161t\u011bny p\u0159ezaji\u0161t\u011bn\u00edm<\/strong>. Kdy\u017e dlu\u017en\u00edci stakuj\u00ed sv\u00e9 mince nebo tokeny u Compound, zv\u00fd\u0161\u00ed se jejich v\u00fdp\u016fj\u010dn\u00ed s\u00edla. Pokud v\u0161ak jejich v\u00fdp\u016fj\u010dn\u00ed s\u00edla klesne pod nulu, jejich pod\u00edl (kolater\u00e1l) se prod\u00e1, aby pokryl dluh.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Shrnut\u00ed<\/h2>\n\n\n\n<p>DeFi p\u0159edstavuj\u00ed <strong>nov\u00fd zp\u016fsob, jak p\u0159istupovat k financ\u00edm \u2013 bez bank, zprost\u0159edkovatel\u016f a geografick\u00fdch omezen\u00ed<\/strong>. Umo\u017e\u0148uj\u00ed spo\u0159it, p\u016fj\u010dovat, obchodovat i pojistit se s vyu\u017eit\u00edm blockchainu a chytr\u00fdch smluv.&nbsp;<\/p>\n\n\n\n<p>Oproti tradi\u010dn\u00edm financ\u00edm <strong>nab\u00edz\u00ed v\u011bt\u0161\u00ed svobodu, kontrolu a dostupnost, ale tak\u00e9 s sebou nesou rizika, <\/strong>jako je technologick\u00e1 slo\u017eitost, bezpe\u010dnostn\u00ed hrozby a pr\u00e1vn\u00ed nejistota. A\u010dkoli jsou DeFi st\u00e1le ve v\u00fdvoji, jejich rychl\u00fd r\u016fst ukazuje, \u017ee maj\u00ed potenci\u00e1l v\u00fdrazn\u011b pozm\u011bnit glob\u00e1ln\u00ed finan\u010dn\u00ed syst\u00e9m.<\/p>\n\n\n\n<p>Zjist\u011bte v\u0161e d\u016fle\u017eit\u00e9 o decentralizovan\u00fdch financ\u00edch v na\u0161\u00ed <a href=\"https:\/\/www.etoro.com\/cs-cz\/academy\/\">eToro akademii<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Test<\/h2>\n\n\n\n<div class=\"wp-block-etoro-quizzes\">\n<div class=\"wp-block-etoro-quiz\" data-answer=\"2\"><div class=\"wp-block-etoro-quiz-body\"><div class=\"wp-block-etoro-quiz-question\">Co znamen\u00e1 zkratka \u201eDEX\u201c?<\/div>\n<div class=\"wp-block-etoro-quiz-item\">Decentralizovan\u00e1 expanze<\/div>\n\n\n\n<div class=\"wp-block-etoro-quiz-item\">Decentralizovan\u00fd p\u0159\u00edklad<\/div>\n\n\n\n<div class=\"wp-block-etoro-quiz-item\">Decentralizovan\u00e1 burza<\/div>\n<\/div><div class=\"wp-block-etoro-quiz-result\">\u00a0<\/div><\/div>\n<\/div>\n\n\n\n\n\n<h2 class=\"wp-block-heading\">\u010cast\u00e9 dotazy<\/h2>\n\n\n\n<dl class=\"wp-block-etoro-faq\">\n<div class=\"wp-block-etoro-faq-item\"><dt class=\"wp-block-etoro-faq-item-question\">Co je to kryptom\u011bna?<\/dt><dd class=\"wp-block-etoro-faq-item-answer\">\n<p><a href=\"https:\/\/www.etoro.com\/cs-cz\/crypto\/what-is-cryptocurrency\/\">Kryptom\u011bna<\/a> je digit\u00e1ln\u00ed m\u011bna, kter\u00e1 jako prost\u0159edek zabezpe\u010den\u00ed pou\u017e\u00edv\u00e1 kryptografii. V\u011bt\u0161ina kryptom\u011bn funguje bez pot\u0159eby centr\u00e1ln\u00ed autority, jako je banka nebo vl\u00e1da, a m\u00edsto toho funguje prost\u0159ednictv\u00edm distribuovan\u00e9 \u00fa\u010detn\u00ed knihy, kter\u00e1 rozd\u011bluje moc mezi svou komunitu. Kryptom\u011bna m\u00e1 stanovenou, definovanou m\u011bnovou politiku, a\u0165 u\u017e jde o pevn\u00fd limit token\u016f, nebo o umo\u017en\u011bn\u00ed vytv\u00e1\u0159en\u00ed nov\u00fdch token\u016f na z\u00e1klad\u011b p\u0159edem stanoven\u00fdch pravidel.<\/p>\n<\/dd><\/div>\n\n\n\n<div class=\"wp-block-etoro-faq-item\"><dt class=\"wp-block-etoro-faq-item-question\">Co je to smart kontrakt?<\/dt><dd class=\"wp-block-etoro-faq-item-answer\">\n<p>Smart kontrakt je po\u010d\u00edta\u010dov\u00fd k\u00f3d, kter\u00fd stanovuje pravidla kontraktu a n\u00e1sledn\u011b zaji\u0161\u0165uje, aby z\u00fa\u010dastn\u011bn\u00e9 strany kontrakt plnily v souladu s t\u011bmito podm\u00ednkami. Smart kontrakt si m\u016f\u017eete p\u0159edstavit jako specializovan\u00fd typ <a href=\"https:\/\/www.etoro.com\/cs-cz\/trading\/markets\/\">obchodn\u00edho<\/a> softwaru. V\u00fdvoj\u00e1\u0159i vytv\u00e1\u0159ej\u00ed smart kontrakty pro provoz sv\u00fdch aplikac\u00ed.<\/p>\n<\/dd><\/div>\n\n\n\n<div class=\"wp-block-etoro-faq-item\"><dt class=\"wp-block-etoro-faq-item-question\">Co je to blockchain?<\/dt><dd class=\"wp-block-etoro-faq-item-answer\">\n<p><a href=\"https:\/\/www.etoro.com\/cs-cz\/crypto\/blockchain-guide\/\">Blockchain<\/a> je distribuovan\u00e1 datab\u00e1ze, kter\u00e1 slou\u017e\u00ed ke sledov\u00e1n\u00ed a ukl\u00e1d\u00e1n\u00ed informac\u00ed. Je to n\u011bco jako \u00fa\u010detn\u00ed kniha, kter\u00e1 je p\u0159\u00edstupn\u00e1 ve\u0159ejn\u00e9 s\u00edti. Kdy\u017e je po\u017eadov\u00e1na transakce, lze ji zobrazit, aby se zajistilo, \u017ee je v souladu s aktu\u00e1ln\u00edm stavem v hlavn\u00ed knize, a je tedy platnou transakc\u00ed. Informace o transakc\u00edch jsou seskupeny do blok\u016f (blocks), p\u0159i\u010dem\u017e ka\u017ed\u00fd blok je propojen s bloky n\u00e1sleduj\u00edc\u00edmi p\u0159ed n\u00edm a za n\u00edm v \u0159et\u011bzci (chain), odtud n\u00e1zev.<\/p>\n<\/dd><\/div>\n<\/dl>\n\n\n\n\n\n\n<p class=\"has-text-align-center is-style-disclaimer\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Decentralizovan\u00e9 finance (DeFi) p\u0159edstavuj\u00ed otev\u0159en\u00fd finan\u010dn\u00ed syst\u00e9m bez prost\u0159edn\u00edk\u016f, kde transakce prob\u00edhaj\u00ed p\u0159es blockchain. U\u017eivatel\u00e9 maj\u00ed plnou kontrolu nad sv\u00fdmi prost\u0159edky, p\u0159i\u010dem\u017e k tomu, aby je mohli spo\u0159it, p\u016fj\u010dovat nebo s nimi glob\u00e1ln\u011b obchodovat, jim sta\u010d\u00ed chytr\u00fd telefon a p\u0159ipojen\u00ed k internetu. Jedn\u00edm z hlavn\u00edch l\u00e1kadel kryptom\u011bn&nbsp;a decentralizovan\u00fdch financ\u00ed je mo\u017enost zajistit, aby p\u0159evody pen\u011bz&hellip;<\/p>\n","protected":false},"author":101,"featured_media":679626,"parent":128985,"menu_order":547,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":true,"inline_featured_image":false,"sticky_cta_settings":"","footnotes":""},"asset_type":[],"class_list":["post-467715","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<title>Zjist\u011bte v\u0161e d\u016fle\u017eit\u00e9 o decentralizovan\u00e9m financov\u00e1n\u00ed<\/title>\n<meta name=\"description\" content=\"Z\u00edskejte v\u0161echny podstatn\u00e9 informace o tom, co je decentralizovan\u00e9 financov\u00e1n\u00ed, co v\u00e1m m\u016f\u017ee p\u0159in\u00e9st a jak\u00e1 je jeho role pro budoucnost finan\u010dn\u00edho sv\u011bta.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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