{"id":1435,"date":"2021-05-30T21:38:54","date_gmt":"2021-05-30T19:38:54","guid":{"rendered":"https:\/\/simplecryptoguide.com\/?page_id=1435"},"modified":"2026-10-25T18:43:41","modified_gmt":"2026-10-25T17:43:41","slug":"what-is-decentralized-finance-defi","status":"publish","type":"post","link":"https:\/\/simplecryptoguide.com\/pl\/what-is-decentralized-finance-defi\/","title":{"rendered":"DeFi: wymiana, po\u017cyczki i powi\u0105zane ryzyka"},"content":{"rendered":"<div data-no-translation><p>[et_pb_section _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; fb_built=&#8221;1&#8243; module_class=&#8221;scg-handbook scg-learning-page&#8221; custom_padding=&#8221;40px||40px||true|false&#8221; custom_padding_phone=&#8221;18px||18px||true|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; background_color=&#8221;#fff8d8&#8243;][et_pb_row _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; column_structure=&#8221;2_3,1_3&#8243; width=&#8221;92%&#8221; max_width=&#8221;1120px&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; module_class=&#8221;scg-learning-hero&#8221;][et_pb_column _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; type=&#8221;2_3&#8243;][et_pb_text _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; text_font=&#8221;Inter||||||||&#8221; text_font_size=&#8221;17px&#8221; text_text_color=&#8221;#354554&#8243; text_line_height=&#8221;1.7em&#8221; header_font=&#8221;Inter|700|||||||&#8221; header_text_color=&#8221;#10202b&#8221; header_2_font=&#8221;Inter|700|||||||&#8221; header_2_text_color=&#8221;#10202b&#8221; header_2_font_size=&#8221;30px&#8221; header_2_font_size_phone=&#8221;25px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_3_font=&#8221;Inter|700|||||||&#8221; header_3_text_color=&#8221;#10202b&#8221; custom_margin=&#8221;0px||0px||false|false&#8221; header_font_size=&#8221;42px&#8221; header_font_size_phone=&#8221;32px&#8221; header_font_size_last_edited=&#8221;on|phone&#8221; header_line_height=&#8221;1.16em&#8221;]<\/p>\n<div class=\"scg-learning-breadcrumb\"><nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><span class=\"last\">Home<\/span><\/p><\/nav><\/div>\n<h1>DeFi: wymiana, po\u017cyczki i powi\u0105zane ryzyka<\/h1>\n<p>Zdecentralizowane finanse u\u017cywaj\u0105 kontrakt\u00f3w blockchain do wymiany, po\u017cyczek i innych dzia\u0142a\u0144 finansowych. \u015aled\u017a aktywa i uprawnienia, aby zrozumie\u0107, czemu ufasz na ka\u017cdym etapie.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; type=&#8221;1_3&#8243;][et_pb_image _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; src=&#8221;https:\/\/simplecryptoguide.com\/wp-content\/uploads\/2026\/10\/defi-decentralized-finance.png&#8221; alt=&#8221;Po\u0142\u0105czone skarbce i strza\u0142ki wymiany ilustruj\u0105ce zdecentralizowane finanse&#8221; title_text=&#8221;Po\u0142\u0105czone skarbce i strza\u0142ki wymiany ilustruj\u0105ce zdecentralizowane finanse&#8221; align=&#8221;center&#8221; max_width=&#8221;260px&#8221; max_width_phone=&#8221;200px&#8221; max_width_last_edited=&#8221;on|phone&#8221; custom_margin=&#8221;0px|auto|0px|auto|true|true&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; fb_built=&#8221;1&#8243; module_class=&#8221;scg-handbook scg-learning-page&#8221; custom_padding=&#8221;26px||26px||true|false&#8221; custom_padding_phone=&#8221;18px||18px||true|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; module_id=&#8221;swap-walkthrough&#8221;][et_pb_row _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; column_structure=&#8221;4_4&#8243; width=&#8221;92%&#8221; max_width=&#8221;1120px&#8221; custom_padding=&#8221;0px||0px||false|false&#8221;][et_pb_column _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; type=&#8221;4_4&#8243;][et_pb_text _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; text_font=&#8221;Inter||||||||&#8221; text_font_size=&#8221;17px&#8221; text_text_color=&#8221;#354554&#8243; text_line_height=&#8221;1.7em&#8221; header_font=&#8221;Inter|700|||||||&#8221; header_text_color=&#8221;#10202b&#8221; header_2_font=&#8221;Inter|700|||||||&#8221; header_2_text_color=&#8221;#10202b&#8221; header_2_font_size=&#8221;30px&#8221; header_2_font_size_phone=&#8221;25px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_3_font=&#8221;Inter|700|||||||&#8221; header_3_text_color=&#8221;#10202b&#8221; custom_margin=&#8221;0px||0px||false|false&#8221;]<\/p>\n<h2>Prze\u015bled\u017a wymian\u0119 od portfela do wyniku<\/h2>\n<div class=\"scg-learning-grid scg-learning-paths\">\n<div class=\"scg-learning-card\"><span class=\"scg-learning-number\" aria-hidden=\"true\">1<\/span><\/p>\n<h3>Wybierz sie\u0107<\/h3>\n<p>U\u017cyj portfela, wersji aktywa i tokena op\u0142at obs\u0142ugiwanych przez protok\u00f3\u0142. Token z innej sieci nie staje si\u0119 tu automatycznie u\u017cyteczny.<\/p>\n<\/div>\n<div class=\"scg-learning-card\"><span class=\"scg-learning-number\" aria-hidden=\"true\">2<\/span><\/p>\n<h3>Sprawd\u017a wycen\u0119<\/h3>\n<p>Zweryfikuj wk\u0142ad, oczekiwany wynik, minimaln\u0105 kwot\u0119 otrzyman\u0105, wp\u0142yw na cen\u0119, tras\u0119 i op\u0142at\u0119 sieciow\u0105. P\u0142ynno\u015b\u0107 si\u0119 zmienia; wycena nie jest bezwarunkow\u0105 obietnic\u0105.<\/p>\n<\/div>\n<div class=\"scg-learning-card\"><span class=\"scg-learning-number\" aria-hidden=\"true\">3<\/span><\/p>\n<h3>Sprawd\u017a uprawnienia<\/h3>\n<p>Je\u015bli wymagana jest zgoda na token, sprawd\u017a uprawniony kontrakt i limit przed wymian\u0105. Po\u0142\u0105czenie portfela, zatwierdzenie wydatk\u00f3w i wykonanie wymiany s\u0105 osobnymi dzia\u0142aniami.<\/p>\n<\/div>\n<div class=\"scg-learning-card\"><span class=\"scg-learning-number\" aria-hidden=\"true\">4<\/span><\/p>\n<h3>Potwierd\u017a wynik<\/h3>\n<p>Sprawd\u017a status i faktycznie otrzymane aktywa we w\u0142a\u015bciwym eksploratorze. Nieudane transakcje te\u017c mog\u0105 kosztowa\u0107 op\u0142at\u0119 sieciow\u0105. Przejrzyj zb\u0119dne ju\u017c uprawnienia.<\/p>\n<\/div>\n<\/div>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; fb_built=&#8221;1&#8243; module_class=&#8221;scg-handbook scg-learning-page&#8221; custom_padding=&#8221;26px||26px||true|false&#8221; custom_padding_phone=&#8221;18px||18px||true|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; module_id=&#8221;&#8221;][et_pb_row _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; column_structure=&#8221;4_4&#8243; width=&#8221;92%&#8221; max_width=&#8221;1120px&#8221; custom_padding=&#8221;30px|30px|30px|30px|true|true&#8221; module_class=&#8221;scg-learning-panel&#8221; background_color=&#8221;#fff8d8&#8243; custom_padding_phone=&#8221;22px|18px|22px|18px|true|true&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; border_radii=&#8221;on|16px|16px|16px|16px&#8221; border_width_all=&#8221;1px&#8221; border_color_all=&#8221;#e5d89e&#8221;][et_pb_column _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; type=&#8221;4_4&#8243;][et_pb_text _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; text_font=&#8221;Inter||||||||&#8221; text_font_size=&#8221;17px&#8221; text_text_color=&#8221;#354554&#8243; text_line_height=&#8221;1.7em&#8221; header_font=&#8221;Inter|700|||||||&#8221; header_text_color=&#8221;#10202b&#8221; header_2_font=&#8221;Inter|700|||||||&#8221; header_2_text_color=&#8221;#10202b&#8221; header_2_font_size=&#8221;30px&#8221; header_2_font_size_phone=&#8221;25px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_3_font=&#8221;Inter|700|||||||&#8221; header_3_text_color=&#8221;#10202b&#8221; custom_margin=&#8221;0px||0px||false|false&#8221;]<\/p>\n<h2>Sk\u0105d pochodzi zysk<\/h2>\n<div class=\"scg-learning-table\">\n<table>\n<thead>\n<tr>\n<th scope=\"col\">Dzia\u0142anie<\/th>\n<th scope=\"col\">Mo\u017cliwe \u017ar\u00f3d\u0142o zysku<\/th>\n<th scope=\"col\">G\u0142\u00f3wne ekspozycje<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Po\u017cyczanie<\/td>\n<td>Odsetki od d\u0142u\u017cnik\u00f3w i czasem tokeny zach\u0119caj\u0105ce.<\/td>\n<td>Niesp\u0142acone d\u0142ugi, zmiany zabezpiecze\u0144, zmiany st\u00f3p i ryzyko kontraktu.<\/td>\n<\/tr>\n<tr>\n<td>Zapewnianie p\u0142ynno\u015bci<\/td>\n<td>Op\u0142aty za wymian\u0119 i czasem tokeny zach\u0119caj\u0105ce.<\/td>\n<td>Zmiany cen, nietrwa\u0142a strata, aktywno\u015b\u0107 handlowa i ryzyko kontraktu.<\/td>\n<\/tr>\n<tr>\n<td>Staking<\/td>\n<td>Nagrody protoko\u0142u za zabezpieczanie sieci proof of stake.<\/td>\n<td>Dzia\u0142anie walidatora, kary, zasady wyp\u0142at i ewentualny po\u015brednik.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>Produkt nazwany \u201estakingiem\u201d mo\u017ce w rzeczywisto\u015bci by\u0107 po\u017cyczk\u0105 lub programem dochodowym z powiernictwem. Czytaj, co dzieje si\u0119 z aktywami. Nagrody w taniej\u0105cym tokenie mog\u0105 traci\u0107 warto\u015b\u0107 mimo rosn\u0105cego wy\u015bwietlanego salda.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; fb_built=&#8221;1&#8243; module_class=&#8221;scg-handbook scg-learning-page&#8221; custom_padding=&#8221;26px||26px||true|false&#8221; custom_padding_phone=&#8221;18px||18px||true|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; module_id=&#8221;collateral-example&#8221;][et_pb_row _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; column_structure=&#8221;4_4&#8243; width=&#8221;92%&#8221; max_width=&#8221;1120px&#8221; custom_padding=&#8221;30px|30px|30px|30px|true|true&#8221; module_class=&#8221;scg-learning-panel&#8221; background_color=&#8221;#fff8d8&#8243; custom_padding_phone=&#8221;22px|18px|22px|18px|true|true&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; border_radii=&#8221;on|16px|16px|16px|16px&#8221; border_width_all=&#8221;1px&#8221; border_color_all=&#8221;#e5d89e&#8221;][et_pb_column _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; type=&#8221;4_4&#8243;][et_pb_text _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; text_font=&#8221;Inter||||||||&#8221; text_font_size=&#8221;17px&#8221; text_text_color=&#8221;#354554&#8243; text_line_height=&#8221;1.7em&#8221; header_font=&#8221;Inter|700|||||||&#8221; header_text_color=&#8221;#10202b&#8221; header_2_font=&#8221;Inter|700|||||||&#8221; header_2_text_color=&#8221;#10202b&#8221; header_2_font_size=&#8221;30px&#8221; header_2_font_size_phone=&#8221;25px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_3_font=&#8221;Inter|700|||||||&#8221; header_3_text_color=&#8221;#10202b&#8221; custom_margin=&#8221;0px||0px||false|false&#8221;]<\/p>\n<h2>Przyk\u0142ad: zabezpieczenie mo\u017ce przesta\u0107 wystarcza\u0107<\/h2>\n<p>W uproszczonej po\u017cyczce zabezpieczenie wynosi 1 000 dolar\u00f3w, d\u0142ug 500, a pr\u00f3g likwidacji 80 procent. Wsp\u00f3\u0142czynnik kondycji = warto\u015b\u0107 zabezpieczenia \u00d7 pr\u00f3g \u00f7 d\u0142ug. Pocz\u0105tkowo: 1 000 \u00d7 0,80 \u00f7 500 = 1,60.<\/p>\n<p>Gdy zabezpieczenie spadnie do 600 dolar\u00f3w, a d\u0142ug pozostanie 500, wynik to 0,96. Regu\u0142a dopuszczaj\u0105ca likwidacj\u0119 poni\u017cej 1 mo\u017ce spowodowa\u0107 cz\u0119\u015bciow\u0105 lub ca\u0142kowit\u0105 likwidacj\u0119 z kosztami. To model hipotetyczny, nie cytowane ustawienie platformy.<\/p>\n<p>Odsetki, ceny wyroczni, wiele zabezpiecze\u0144 i zasady protoko\u0142u zmieniaj\u0105 realne obliczenie. Wynik powy\u017cej 1 nie gwarantuje ochrony przed szybkim ruchem rynku. Poznaj zasady wyj\u015bcia i likwidacji, zanim zaci\u0105gniesz po\u017cyczk\u0119.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; fb_built=&#8221;1&#8243; module_class=&#8221;scg-handbook scg-learning-page&#8221; custom_padding=&#8221;26px||26px||true|false&#8221; custom_padding_phone=&#8221;18px||18px||true|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; module_id=&#8221;&#8221;][et_pb_row _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; column_structure=&#8221;4_4&#8243; width=&#8221;92%&#8221; max_width=&#8221;1120px&#8221; custom_padding=&#8221;0px||0px||false|false&#8221;][et_pb_column _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; type=&#8221;4_4&#8243;][et_pb_text _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; text_font=&#8221;Inter||||||||&#8221; text_font_size=&#8221;17px&#8221; text_text_color=&#8221;#354554&#8243; text_line_height=&#8221;1.7em&#8221; header_font=&#8221;Inter|700|||||||&#8221; header_text_color=&#8221;#10202b&#8221; header_2_font=&#8221;Inter|700|||||||&#8221; header_2_text_color=&#8221;#10202b&#8221; header_2_font_size=&#8221;30px&#8221; header_2_font_size_phone=&#8221;25px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_3_font=&#8221;Inter|700|||||||&#8221; header_3_text_color=&#8221;#10202b&#8221; custom_margin=&#8221;0px||0px||false|false&#8221;]<\/p>\n<h2>Sprawd\u017a ca\u0142y \u0142a\u0144cuch zale\u017cno\u015bci<\/h2>\n<div class=\"scg-learning-grid\">\n<div class=\"scg-learning-card\">\n<h3>Interfejs i portfel<\/h3>\n<p>Zweryfikuj domen\u0119, \u017ar\u00f3d\u0142o oprogramowania i pro\u015bb\u0119 o podpis. Strona phishingowa mo\u017ce skopiowa\u0107 nazw\u0119 prawdziwego protoko\u0142u.<\/p>\n<\/div>\n<div class=\"scg-learning-card\">\n<h3>Kontrakt i zarz\u0105dzanie<\/h3>\n<p>Czytaj audyty, uprawnienia i kontrol\u0119 aktualizacji. Audyt ogranicza cz\u0119\u015b\u0107 niepewno\u015bci; nie gwarantuje bezpiecze\u0144stwa ani nie obejmuje ka\u017cdej p\u00f3\u017aniejszej zmiany.<\/p>\n<\/div>\n<div class=\"scg-learning-card\">\n<h3>Ceny, mosty i zabezpieczenia<\/h3>\n<p>Rozpoznaj zale\u017cno\u015bci od wyroczni, aktywa mostkowane i koncentracj\u0119 zabezpiecze\u0144. Awaria zewn\u0119trzna mo\u017ce dotkn\u0105\u0107 protok\u00f3\u0142, kt\u00f3ry poza tym dzia\u0142a zgodnie z za\u0142o\u017ceniami.<\/p>\n<\/div>\n<\/div>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; fb_built=&#8221;1&#8243; module_class=&#8221;scg-handbook scg-learning-page&#8221; custom_padding=&#8221;26px||26px||true|false&#8221; custom_padding_phone=&#8221;18px||18px||true|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; module_id=&#8221;&#8221;][et_pb_row _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; column_structure=&#8221;4_4&#8243; width=&#8221;92%&#8221; max_width=&#8221;1120px&#8221; custom_padding=&#8221;0px||0px||false|false&#8221;][et_pb_column _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; type=&#8221;4_4&#8243;][et_pb_text _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; text_font=&#8221;Inter||||||||&#8221; text_font_size=&#8221;17px&#8221; text_text_color=&#8221;#354554&#8243; text_line_height=&#8221;1.7em&#8221; header_font=&#8221;Inter|700|||||||&#8221; header_text_color=&#8221;#10202b&#8221; header_2_font=&#8221;Inter|700|||||||&#8221; header_2_text_color=&#8221;#10202b&#8221; header_2_font_size=&#8221;30px&#8221; header_2_font_size_phone=&#8221;25px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_3_font=&#8221;Inter|700|||||||&#8221; header_3_text_color=&#8221;#10202b&#8221; custom_margin=&#8221;0px||0px||false|false&#8221;]<\/p>\n<h2>Zakup tokena DeFi to nie korzystanie z DeFi<\/h2>\n<p>Token zarz\u0105dzania lub u\u017cytkowy nie daje automatycznie przychod\u00f3w protoko\u0142u, roszczenia o depozyt ani ochrony przed strat\u0105. Badaj prawa, zmiany poda\u017cy i rzeczywiste wykorzystanie niezale\u017cnie od popularno\u015bci. DeFi dzia\u0142a w wielu sieciach; Ethereum zako\u0144czy\u0142o przej\u015bcie na proof of stake w 2022 roku.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; fb_built=&#8221;1&#8243; module_class=&#8221;scg-handbook scg-learning-page&#8221; custom_padding=&#8221;26px||26px||true|false&#8221; custom_padding_phone=&#8221;18px||18px||true|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; module_id=&#8221;&#8221;][et_pb_row _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; column_structure=&#8221;4_4&#8243; width=&#8221;92%&#8221; max_width=&#8221;1120px&#8221; custom_padding=&#8221;30px|30px|30px|30px|true|true&#8221; module_class=&#8221;scg-learning-panel&#8221; background_color=&#8221;#fff8d8&#8243; custom_padding_phone=&#8221;22px|18px|22px|18px|true|true&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; border_radii=&#8221;on|16px|16px|16px|16px&#8221; border_width_all=&#8221;1px&#8221; border_color_all=&#8221;#e5d89e&#8221;][et_pb_column _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; type=&#8221;4_4&#8243;][et_pb_text _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; text_font=&#8221;Inter||||||||&#8221; text_font_size=&#8221;17px&#8221; text_text_color=&#8221;#354554&#8243; text_line_height=&#8221;1.7em&#8221; header_font=&#8221;Inter|700|||||||&#8221; header_text_color=&#8221;#10202b&#8221; header_2_font=&#8221;Inter|700|||||||&#8221; header_2_text_color=&#8221;#10202b&#8221; header_2_font_size=&#8221;30px&#8221; header_2_font_size_phone=&#8221;25px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_3_font=&#8221;Inter|700|||||||&#8221; header_3_text_color=&#8221;#10202b&#8221; custom_margin=&#8221;0px||0px||false|false&#8221;]<\/p>\n<h2>Zastosuj t\u0119 lekcj\u0119 w praktyce<\/h2>\n<p>\u0106wiczenie: prze\u015bled\u017a hipotetyczn\u0105 wymian\u0119, wypisz uprawnienia i koszty oraz wyja\u015bnij wyj\u015bcie. Poznaj p\u0142ynno\u015b\u0107 i portfele przed nieznanym protoko\u0142em. Nasz kalkulator szacuje koszty handlu na gie\u0142dach; nie modeluje gazu DeFi, ryzyka po\u017cyczek ani likwidacji.<\/p>\n<div class=\"scg-learning-actions\"><a href=\"https:\/\/simplecryptoguide.com\/pl\/spread-bid-ask-i-slippage-wyjasnione\/#liquidity-example\" class=\"scg-learning-button\">P\u0142ynno\u015b\u0107 i po\u015blizg cenowy <span aria-hidden=\"true\">\u2192<\/span><\/a><a href=\"https:\/\/simplecryptoguide.com\/pl\/kategoria\/jak-kupowac\/buy-defi\/\" class=\"scg-learning-button\">Poznaj aktywa DeFi <span aria-hidden=\"true\">\u2192<\/span><\/a><\/div>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; fb_built=&#8221;1&#8243; module_class=&#8221;scg-handbook scg-learning-page&#8221; custom_padding=&#8221;26px||26px||true|false&#8221; custom_padding_phone=&#8221;18px||18px||true|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; module_id=&#8221;&#8221;][et_pb_row _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; column_structure=&#8221;4_4&#8243; width=&#8221;92%&#8221; max_width=&#8221;1120px&#8221; custom_padding=&#8221;0px||0px||false|false&#8221;][et_pb_column _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; type=&#8221;4_4&#8243;][et_pb_text _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; text_font=&#8221;Inter||||||||&#8221; text_font_size=&#8221;17px&#8221; text_text_color=&#8221;#354554&#8243; text_line_height=&#8221;1.7em&#8221; header_font=&#8221;Inter|700|||||||&#8221; header_text_color=&#8221;#10202b&#8221; header_2_font=&#8221;Inter|700|||||||&#8221; header_2_text_color=&#8221;#10202b&#8221; header_2_font_size=&#8221;30px&#8221; header_2_font_size_phone=&#8221;25px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_3_font=&#8221;Inter|700|||||||&#8221; header_3_text_color=&#8221;#10202b&#8221; custom_margin=&#8221;0px||0px||false|false&#8221;]<\/p>\n<h3>Z gie\u0142dy do portfela<\/h3>\n<p>Zakup na gie\u0142dzie jest tylko etapem finansowania. Osobno sprawd\u017a sie\u0107 wyp\u0142aty i cel przed u\u017cyciem protoko\u0142u.<\/p>\n<p><a href=\"https:\/\/www.coinbase.com\/join\/hansso_p\" rel=\"sponsored nofollow noopener\" target=\"_blank\">Coinbase<\/a><\/p>\n<p>Niekt\u00f3re odno\u015bniki s\u0105 afiliacyjne. Mo\u017cemy otrzyma\u0107 prowizj\u0119, je\u015bli zarejestrujesz si\u0119 lub wykonasz transakcj\u0119 za ich po\u015brednictwem.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; fb_built=&#8221;1&#8243; module_class=&#8221;scg-handbook scg-learning-page&#8221; custom_padding=&#8221;26px||26px||true|false&#8221; custom_padding_phone=&#8221;18px||18px||true|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; module_id=&#8221;&#8221;][et_pb_row _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; column_structure=&#8221;4_4&#8243; width=&#8221;92%&#8221; max_width=&#8221;1120px&#8221; custom_padding=&#8221;0px||0px||false|false&#8221;][et_pb_column _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; type=&#8221;4_4&#8243;][et_pb_text _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; text_font=&#8221;Inter||||||||&#8221; text_font_size=&#8221;17px&#8221; text_text_color=&#8221;#354554&#8243; text_line_height=&#8221;1.7em&#8221; header_font=&#8221;Inter|700|||||||&#8221; header_text_color=&#8221;#10202b&#8221; header_2_font=&#8221;Inter|700|||||||&#8221; header_2_text_color=&#8221;#10202b&#8221; header_2_font_size=&#8221;30px&#8221; header_2_font_size_phone=&#8221;25px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_3_font=&#8221;Inter|700|||||||&#8221; header_3_text_color=&#8221;#10202b&#8221; custom_margin=&#8221;0px||0px||false|false&#8221;]<\/p>\n<h2>\u0179r\u00f3d\u0142a i weryfikacja<\/h2>\n<p>Sprawdzono 25 pa\u017adziernika 2026 r. Przyk\u0142ady s\u0105 hipotetyczne. Przed dzia\u0142aniem sprawd\u017a aktualne instrukcje dostawcy, obs\u0142ugiwane sieci i warunki.<\/p>\n<ul class=\"scg-learning-sources\">\n<li><a href=\"https:\/\/ethereum.org\/defi\/\" target=\"_blank\" rel=\"noopener\">Ethereum.org<\/a><\/li>\n<li><a href=\"https:\/\/aave.com\/help\/borrowing\/liquidations\" target=\"_blank\" rel=\"noopener\">Aave<\/a><\/li>\n<li><a href=\"https:\/\/support.metamask.io\/hc\/en-us\/articles\/4446106184731\" target=\"_blank\" rel=\"noopener\">MetaMask<\/a><\/li>\n<li><a href=\"https:\/\/ethereum.org\/roadmap\/merge\/\" target=\"_blank\" rel=\"noopener\">Ethereum.org \u2014 The Merge<\/a><\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; fb_built=&#8221;1&#8243; module_class=&#8221;scg-handbook scg-learning-page&#8221; custom_padding=&#8221;0px||0px||true|false&#8221; custom_padding_phone=&#8221;18px||18px||true|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221;][et_pb_row _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; column_structure=&#8221;4_4&#8243; width=&#8221;92%&#8221; max_width=&#8221;1120px&#8221; custom_padding=&#8221;0px||0px||false|false&#8221;][et_pb_column _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; type=&#8221;4_4&#8243;][et_pb_code _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;]<\/p>\n<style>.scg-learning-page h1{margin-bottom:22px!important}.scg-learning-page h2{line-height:1.25!important;margin-bottom:22px}.scg-learning-page 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