{"id":24015,"date":"2025-11-16T10:03:32","date_gmt":"2025-11-16T02:03:32","guid":{"rendered":"https:\/\/monsterblockhk.com\/?p=24015"},"modified":"2026-05-04T08:21:23","modified_gmt":"2026-05-04T00:21:23","slug":"defi-guide-2026","status":"publish","type":"post","link":"https:\/\/monsterblockhk.com\/en\/defi-guide-2026\/","title":{"rendered":"2026 New DeFi Beginner's Guide\uff5cTeaching you to earn stable money passive income! Introducing 3 popular programs, DeFiLlama tool tutorial!"},"content":{"rendered":"
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For many newcomers to the cryptocurrency market, it is not uncommon to find yourself in a situation where you don't know how to utilize the stable coins you have in your possession, such as USDT and USDC. If you put them in the account of a centralized exchange, you will worry about the risk of the platform or the low return, but if you try the projects on the decentralized financial DeFi ecosystem, you will be afraid of the complexity of the operation or the security of the funds. Do you have the same problem?<\/span><\/span><\/p>

After all, no one wants their money to sit idle, especially during a long bear market or a cold snap, and finding a safe and easy way to add value can seem overwhelming!<\/span><\/span>In fact, the current DeFi ecosystem has developed a number of very newbie-friendly tools and strategies that allow you to start earning passive income in a simple way by putting your hands on transparent and high-yield agreements.<\/span><\/p>

In this article, we'll introduce you to the basics of DeFi step-by-step, and share 3 of 2025's most popular DeFi protocols to keep your stablecoin assets rolling in money!<\/b><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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What is DeFi and why does the chain offer high yields in stable currency?<\/span><\/font><\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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DeFi (Decentralized Finance) is a financial product ecosystem built on blockchain. Unlike traditional finance or CeFi platforms, DeFi projects on different blockchains run on open smart contracts, where access to funds and computation of returns are publicly available, and where everyone can interact directly with the agreement without the need for a bank or exchange to act as an intermediary.<\/span><\/span>This transparent and unmediated nature reduces the cost of trust on the one hand, and on the other hand allows for a more efficient utilization of capital, and therefore tends to give a higher interest return to the capital providers!<\/span><\/p>

Yield Farming or Interest on Deposits in DeFi is particularly attractive to stable currency holders, as you can deposit stable coins such as USDT, USDC, etc. into a variety of DeFi Agreements to earn passive income. Compared to traditional bank deposits that offer less than 5%, many DeFi agreements offer annualized yields on stablecoins of 10% or more!<\/span><\/span><\/p>

I'm sure some people will ask, \"Why is it possible to have such a high interest rate?\"<\/b><\/span><\/span><\/p>

The DeFi agreement often lends your stablecoins to borrowers in need, participates in decentralized lending markets or market-making transactions, and collects interest and fees that are then returned to you, plus some projects will additionally issue their native tokens as incentives to further increase the total return.<\/span><\/span><\/p>

Since DeFi programs are automated through smart contracts, eliminating the need for traditional financial intermediaries such as banks, lenders can receive higher returns and borrowers may receive lower interest rates!<\/span><\/span><\/p>

Of course, the higher the return usually means the higher the risk, and although DeFi does not have an intermediary, you need to assess the security of the smart contract, the risk of market fluctuations, etc. Don't worry. But don't worry, later in this article, we will introduce how to use tools to understand the capital size and risk level of various agreements to help you avoid common pitfalls and choose a relatively stable income plan.<\/span><\/span><\/p>

Next, we'll dive into 3 star DeFi deals from the current hot ecosystem, each with their own unique and user-friendly features that are perfect for newbies trying to make their first steps in putting their idle money to work!<\/b><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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Pendle Finance<\/span><\/font><\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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Pendle Finance<\/a><\/u><\/b> is an innovative interest rate trading protocol on networks such as Ether.<\/span><\/span><\/p>

It is innovative in how it separates the proceeds from the underlying asset. When users pledge a token or deposit an interest-bearing asset, Pendle allows them to partially tokenize the proceeds into a separate asset. Users receive two types of tokens:<\/span><\/span><\/p>