By Bitcoin.com - 1 year ago - Am Léitheoireachta: 3 nóiméad
Bitcoin Ceapadh Cuntais Uis-Iompartha Breis agus 10 mBliana ó shin, ach Thóg an Smaoineamh 8 mBliana le hAghaidh
Cé gur chruthaigh airgeadas díláraithe (defi) raidhse prótacal a fhágann gur féidir le sócmhainní cripte toradh a bhailiú, deich mbliana go leith ó shin a bitcoin exchange called Bitcoinica introduced the first interest accruing system for bitcoin deposits. Despite being the first to test the waters, Bitcoinica eventually went bust after a series of hacks that saw roughly 62,101 bitcoin stolen from the exchange, and interest-bearing crypto accounts did not return until eight years later.
Bitcoin Interest-Bearing Accounts Were Introduced by Bitcoinica in 2012
These days, interest-bearing accounts and yield-gathering defi protocols are all the rage in the world of cryptocurrency, but most people don’t know that the idea was introduced more than a decade ago. In mid-February 2012, the now-defunct bitcoin malartú, Bitcoinica, developed an idea that allowed bitcoin deposits on the exchange to gather interest. The idea was announced by the 18-year-old Zhou Tong, a bitcoin enthusiast who founded the exchange the year before. Bitcoinica saw 3,724.12 BTC, arbh fhiú $71.56 milliún é inniu, a thrádáiltear le linn na chéad 24 uair an chloig d'oibriú an ardáin trádála.
Faoi Mheán Fómhair 2011, Bitcoinica was the second-largest bitcoin ardán trádála de réir toirte behind Mt Gox. “We are glad to announce that we have started the public test run of our interest system,” the Bitcoinica founder Scríobh on February 13, 2012. “We are the first website to offer interest for Bitcoin deposits. This post is intended to explain how the system works — Assuming you deposit $10,000 with us and the interest rate is always 4.17, you will get $4.17 every day or $1,644 every year (with compound interest).”
A great deal of today’s interest-bearing protocols stems from the world of decentralized finance (defi), which is a whole lot different than Bitcoinica’s interest-bearing account offering. Bitcoinica’s concept is similar to what centralized crypto exchanges like Coinbase, Crypto.com, and many others offer today, as Bitcoinica was a centralized bitcoin ardán trádála.
Bitcoinica was similar to Celsius, in a sense, as it offered interest-bearing payments but eventually went under from financial difficulties. Bitcoinica’s interest accounts were calculated every hour, and payouts were distributed after each day ended. “Bitcoinica has been running great for the last [five] months, and we’re the fastest growing bitcoin business ever,” Zhou Tong wrote at the time.
Tar éis an Bitcoinica interest-bearing accounts were introduced, the very next month Bitcoinica was hacked and lost 43,554 bitcoins worth $837.17 million using today’s exchange rates. Then more than a month later, on May 11, 2012, Bitcoinica was hacked again losing 18,547 bitcoins, worth roughly $356.50 million today.
Crypto Yields took 8 years to Mature After Bitcoinica’s Collapse
The interest-bearing accounts via Bitcoinica never really saw traction after the controversy that surrounded the Bitcoinica founder Zhou Tong and the mysterious hacks. Bitcoinica was eventually taken offline and by August 2012, the company entered into liquidation. Interestingly enough, the very day Zhou Tong announced the BTC coincheap cuntas úsmhar, d'iarr ceann de na chéad tuairimí ar an bunaitheoir a chinntiú don phobal go raibh a gcuid cistí sábháilte.
“Soothe our fears and tell us why Bitcoinica will not be hacked, and tell us about how our money will not be stolen out of thin air?” the individual asked the Bitcoinica founder. While Zhou Tong pledged to keep the exchange safe, the trading platform’s two breaches were considered some of the most controversial hacks in crypto history, besides the scandals surrounding Mt Gox.
Thóg sé níos mó ná ocht mbliana chun cuntais úis cripte a fheiceáil ar deireadh thiar i dtionscal an airgeadra dhigitigh. Thairis sin, le prótacail defi, is féidir táirgeacht a thuilleamh ar bhealach príobháideach agus neamhchoinneálach gan sócmhainní cripte a shealbhú ar mhalartú láraithe.
Mar sin féin, i bhfad ar nós Bitcoinica, interest-bearing crypto platforms can fail, and Celsius is one such lender that went féimheach in recent times. While Celsius and Bitcoinica were centralized, defi platforms can go under too, like when the Terra blockchain éiceachóras imploded.
Nuair a dhí-phiocfadh UST ón bpaireacht $1, bhí ar úsáideoirí defi a bhí ag giaráil an iarratais ar iasacht Anchor Protocol a bhí orthu déileáil leis an rith bainc ina dhiaidh sin. Tá feidhmchláir defi eile hackáilte nó tá tarraingt rugbaí feicthe acu, agus tá a gcuid airgid ar fad caillte ag úsáideoirí Defi atá ag iarraidh ús a fháil.
Cad a cheapann tú faoin gcéad bitcoin interest-bearing accounts offered by Bitcoinica more than a decade ago? Let us know what you think about this subject in the comments section below.
Foinse bunaidh: Bitcoin.com