{"id":1861,"date":"2024-11-28T09:32:02","date_gmt":"2024-11-28T09:32:02","guid":{"rendered":"https:\/\/academy.qubic.app\/?p=1861"},"modified":"2025-11-21T15:10:44","modified_gmt":"2025-11-21T07:10:44","slug":"apr-vs-apy","status":"publish","type":"post","link":"https:\/\/academy.qubic.app\/qubic-web3\/apr-vs-apy\/","title":{"rendered":"APY \u662f\u4ec0\u9ebc\uff1f\u6536\u76ca\u7387\u600e\u9ebc\u7b97\uff1f\u8f15\u9b06\u61c2 APY vs APR \u63d0\u5347\u6536\u76ca\u5fc5\u770b\uff01"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1861\" class=\"elementor elementor-1861\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d0fae00 e-flex e-con-boxed e-con e-parent\" data-id=\"d0fae00\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ba38c12 elementor-widget elementor-widget-image\" data-id=\"ba38c12\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"512\" src=\"https:\/\/i0.wp.com\/academy.qubic.app\/wp-content\/uploads\/2024\/11\/APY-vs-APR.png?fit=1024%2C512&amp;ssl=1\" class=\"attachment-large size-large wp-image-28735\" alt=\"\u4ec0\u9ebc\u662f\u6536\u76ca\u7387\uff1fAPR \u548c APY \u70ba\u4ec0\u9ebc\u5c0d\u6295\u8cc7\u8005\u9019\u9ebc\u91cd\u8981\uff1f\" srcset=\"https:\/\/i0.wp.com\/academy.qubic.app\/wp-content\/uploads\/2024\/11\/APY-vs-APR.png?w=1200&amp;ssl=1 1200w, https:\/\/i0.wp.com\/academy.qubic.app\/wp-content\/uploads\/2024\/11\/APY-vs-APR.png?resize=300%2C150&amp;ssl=1 300w, https:\/\/i0.wp.com\/academy.qubic.app\/wp-content\/uploads\/2024\/11\/APY-vs-APR.png?resize=1024%2C512&amp;ssl=1 1024w, https:\/\/i0.wp.com\/academy.qubic.app\/wp-content\/uploads\/2024\/11\/APY-vs-APR.png?resize=768%2C384&amp;ssl=1 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" title=\"\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-16ecd3f elementor-widget elementor-widget-text-editor\" data-id=\"16ecd3f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><b>\u4ec0\u9ebc\u662f\u6536\u76ca\u7387\uff1f\u70ba\u4f55\u5b83\u5c0d\u6295\u8cc7\u5982\u6b64\u91cd\u8981\uff1f<\/b><span style=\"font-weight: 400;\">\u6536\u76ca\u7387\u662f\u6295\u8cc7\u4e2d\u6700\u6838\u5fc3\u7684\u6307\u6a19\uff0c\u76f4\u63a5\u8861\u91cf\u4f60\u7684\u8cc7\u91d1\u80fd\u5e36\u4f86\u591a\u5c11\u56de\u5831\u3002\u7121\u8ad6\u4f60\u662f\u50b3\u7d71\u5e02\u5834\u7684\u6295\u8cc7\u8005\uff0c\u9084\u662f\u53c3\u8207 DeFi \u5e73\u53f0\uff0c\u7406\u89e3\u6536\u76ca\u7387\uff08\u5982 APR \u548c APY\uff09\u90fd\u662f\u8ca1\u5bcc\u589e\u9577\u7684\u95dc\u9375\u3002\u5b83\u4e0d\u50c5\u5e6b\u4f60\u8a55\u4f30\u6295\u8cc7\u6548\u76ca\uff0c\u9084\u80fd\u4f5c\u70ba\u672a\u4f86\u6c7a\u7b56\u7684\u53c3\u8003\u3002\u900f\u904e\u638c\u63e1\u6536\u76ca\u7387\u7684\u8a08\u7b97\u65b9\u5f0f\u8207\u5f71\u97ff\u56e0\u7d20\uff0c\u4f60\u80fd\u512a\u5316\u6295\u8cc7\u7b56\u7565\uff0c\u8b93\u8cc7\u91d1\u767c\u63ee\u6700\u5927\u50f9\u503c\uff01<\/span><\/p>\n<blockquote>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 ez-toc-wrap-left counter-hierarchy ez-toc-counter ez-toc-transparent ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"\u986f\u793a\/\u96b1\u85cf\u5167\u5bb9\u76ee\u9304\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/academy.qubic.app\/qubic-web3\/apr-vs-apy\/#%E5%85%A8%E6%96%87%E9%87%8D%E9%BB%9E%E7%AF%80%E9%8C%84%EF%BC%9A%E6%94%B6%E7%9B%8A%E7%8E%87%E5%85%A8%E8%A7%A3%E6%9E%90%EF%BC%8C%E6%8E%8C%E6%8F%A1_APR_%E8%88%87_APY_%E7%9A%84%E6%8A%95%E8%B3%87%E7%A7%98%E8%A8%A3\" >\u5168\u6587\u91cd\u9ede\u7bc0\u9304\uff1a\u6536\u76ca\u7387\u5168\u89e3\u6790\uff0c\u638c\u63e1 APR \u8207 APY \u7684\u6295\u8cc7\u79d8\u8a23<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/academy.qubic.app\/qubic-web3\/apr-vs-apy\/#APR_%E8%88%87_APY_%E4%B8%80%E6%AC%A1%E7%9C%8B%E6%87%82\" >APR \u8207 APY \u4e00\u6b21\u770b\u61c2<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/academy.qubic.app\/qubic-web3\/apr-vs-apy\/#%E4%B8%80%E5%80%8B%E4%BE%8B%E5%AD%90%E5%B0%B1%E6%87%82%EF%BC%88%E5%90%8D%E7%9B%AE%E5%B9%B4%E5%88%A9%E7%8E%87_10%EF%BC%8C%E6%9C%AC%E9%87%91_10000%EF%BC%89\" >\u4e00\u500b\u4f8b\u5b50\u5c31\u61c2\uff08\u540d\u76ee\u5e74\u5229\u7387 10%\uff0c\u672c\u91d1 $10,000\uff09<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/academy.qubic.app\/qubic-web3\/apr-vs-apy\/#%E6%94%B6%E7%9B%8A%E7%8E%87%E6%98%AF%E4%BB%80%E9%BA%BC%EF%BC%9F%E6%8A%95%E8%B3%87%E5%9B%9E%E5%A0%B1%E7%9A%84%E9%97%9C%E9%8D%B5%E6%8C%87%E6%A8%99\" >\u6536\u76ca\u7387\u662f\u4ec0\u9ebc\uff1f\u6295\u8cc7\u56de\u5831\u7684\u95dc\u9375\u6307\u6a19<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/academy.qubic.app\/qubic-web3\/apr-vs-apy\/#DeFi_%E6%94%B6%E7%9B%8A%E7%8E%87%E7%82%BA%E4%BD%95%E6%B5%AE%E5%8B%95%EF%BC%9F%E5%BD%B1%E9%9F%BF%E5%9B%A0%E7%B4%A0%E8%A7%A3%E6%9E%90\" >DeFi \u6536\u76ca\u7387\u70ba\u4f55\u6d6e\u52d5\uff1f\u5f71\u97ff\u56e0\u7d20\u89e3\u6790<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/academy.qubic.app\/qubic-web3\/apr-vs-apy\/#APY_%E8%88%87_APR%EF%BC%9A%E6%AF%94%E8%BC%83%E6%94%B6%E7%9B%8A%E7%8E%87%E7%9A%84%E6%9C%80%E4%BD%B3%E5%B7%A5%E5%85%B7\" >APY \u8207 APR\uff1a\u6bd4\u8f03\u6536\u76ca\u7387\u7684\u6700\u4f73\u5de5\u5177<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/academy.qubic.app\/qubic-web3\/apr-vs-apy\/#DeFi_%E4%B8%96%E7%95%8C%E4%B8%AD%E6%94%B6%E7%9B%8A%E7%8E%87%E6%B5%AE%E5%8B%95%E7%9A%84%E5%8E%9F%E5%9B%A0\" >DeFi \u4e16\u754c\u4e2d\u6536\u76ca\u7387\u6d6e\u52d5\u7684\u539f\u56e0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/academy.qubic.app\/qubic-web3\/apr-vs-apy\/#APR_%E5%92%8C_APY_%E6%9C%89%E4%BB%80%E9%BA%BC%E5%8D%80%E5%88%A5%EF%BC%9F%E5%A6%82%E4%BD%95%E5%BD%B1%E9%9F%BF%E4%BD%A0%E7%9A%84%E6%94%B6%E7%9B%8A%E7%8E%87%EF%BC%9F\" >APR \u548c APY \u6709\u4ec0\u9ebc\u5340\u5225\uff1f\u5982\u4f55\u5f71\u97ff\u4f60\u7684\u6536\u76ca\u7387\uff1f<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/academy.qubic.app\/qubic-web3\/apr-vs-apy\/#APR%E8%A8%88%E7%AE%97%E5%85%AC%E5%BC%8F%EF%BC%88Annual_Percentage_Rate%EF%BC%8C%E5%B9%B4%E5%8C%96%E7%99%BE%E5%88%86%E6%AF%94%E5%88%A9%E7%8E%87%EF%BC%89\" >APR\u8a08\u7b97\u516c\u5f0f\uff08Annual Percentage Rate\uff0c\u5e74\u5316\u767e\u5206\u6bd4\u5229\u7387\uff09<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/academy.qubic.app\/qubic-web3\/apr-vs-apy\/#APY%E8%A8%88%E7%AE%97%E5%85%AC%E5%BC%8F%EF%BC%88Annual_Percentage_Yield%EF%BC%8C%E5%B9%B4%E5%8C%96%E6%94%B6%E7%9B%8A%E7%8E%87%EF%BC%89\" >APY\u8a08\u7b97\u516c\u5f0f\uff08Annual Percentage Yield\uff0c\u5e74\u5316\u6536\u76ca\u7387\uff09<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/academy.qubic.app\/qubic-web3\/apr-vs-apy\/#APR_%E8%88%87_APY_%E6%AF%94%E8%BC%83%E8%A1%A8%E6%A0%BC\" >APR \u8207 APY \u6bd4\u8f03\u8868\u683c<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/academy.qubic.app\/qubic-web3\/apr-vs-apy\/#APY_APR_%E7%B7%9A%E4%B8%8A%E8%A8%88%E7%AE%97%E5%99%A8\" >APY &amp; APR \u7dda\u4e0a\u8a08\u7b97\u5668<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/academy.qubic.app\/qubic-web3\/apr-vs-apy\/#APR_APY_TVL_%E8%8B%B1%E6%96%87%E7%B8%AE%E5%AF%AB\" >APR &amp; APY &amp; TVL \u82f1\u6587\u7e2e\u5beb<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/academy.qubic.app\/qubic-web3\/apr-vs-apy\/#%E6%80%8E%E9%BA%BC%E9%96%8B%E5%A7%8B%E6%88%91%E7%9A%84%E7%AC%AC%E4%B8%80%E7%AD%86%E5%8E%BB%E4%B8%AD%E5%BF%83%E5%8C%96%E9%87%91%E8%9E%8D%EF%BC%9F\" >\u600e\u9ebc\u958b\u59cb\u6211\u7684\u7b2c\u4e00\u7b46\u53bb\u4e2d\u5fc3\u5316\u91d1\u878d\uff1f<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%85%A8%E6%96%87%E9%87%8D%E9%BB%9E%E7%AF%80%E9%8C%84%EF%BC%9A%E6%94%B6%E7%9B%8A%E7%8E%87%E5%85%A8%E8%A7%A3%E6%9E%90%EF%BC%8C%E6%8E%8C%E6%8F%A1_APR_%E8%88%87_APY_%E7%9A%84%E6%8A%95%E8%B3%87%E7%A7%98%E8%A8%A3\"><\/span><b>\u5168\u6587\u91cd\u9ede\u7bc0\u9304\uff1a\u6536\u76ca\u7387\u5168\u89e3\u6790\uff0c\u638c\u63e1 APR \u8207 APY \u7684\u6295\u8cc7\u79d8\u8a23<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<\/blockquote>\n<h3><span class=\"ez-toc-section\" id=\"APR_%E8%88%87_APY_%E4%B8%80%E6%AC%A1%E7%9C%8B%E6%87%82\"><\/span>APR \u8207 APY \u4e00\u6b21\u770b\u61c2<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li data-start=\"78\" data-end=\"126\">\n<p data-start=\"80\" data-end=\"126\"><strong data-start=\"80\" data-end=\"87\">APR<\/strong>\uff1a\u4e0d\u542b\u8907\u5229\uff0c\u7528\u4f86\u4f30<strong data-start=\"96\" data-end=\"102\">\u77ed\u671f<\/strong>\u6216<strong data-start=\"103\" data-end=\"115\">\u6c92\u6709\u628a\u5229\u606f\u518d\u6295\u5165<\/strong>\u7684\u60c5\u5883\uff0c\u76f4\u89ba\u597d\u7b97\u3002<\/p>\n<\/li>\n<li data-start=\"127\" data-end=\"187\">\n<p data-start=\"129\" data-end=\"187\"><strong data-start=\"129\" data-end=\"136\">APY<\/strong>\uff1a\u628a<strong data-start=\"138\" data-end=\"145\">\u5229\u6efe\u5229<\/strong>\u7b97\u9032\u53bb\uff0c\u9069\u5408<strong data-start=\"151\" data-end=\"157\">\u653e\u4e45<\/strong>\u6216<strong data-start=\"158\" data-end=\"166\">\u81ea\u52d5\u8907\u6295<\/strong>\u7684\u7522\u54c1\uff1b\u6642\u9593\u8d8a\u9577\uff0c\u548c APR \u7684\u5dee\u8ddd\u8d8a\u5927\u3002<\/p>\n<\/li>\n<\/ul>\n<h3 data-start=\"189\" data-end=\"222\"><span class=\"ez-toc-section\" id=\"%E4%B8%80%E5%80%8B%E4%BE%8B%E5%AD%90%E5%B0%B1%E6%87%82%EF%BC%88%E5%90%8D%E7%9B%AE%E5%B9%B4%E5%88%A9%E7%8E%87_10%EF%BC%8C%E6%9C%AC%E9%87%91_10000%EF%BC%89\"><\/span><strong data-start=\"189\" data-end=\"222\">\u4e00\u500b\u4f8b\u5b50\u5c31\u61c2\uff08\u540d\u76ee\u5e74\u5229\u7387 10%\uff0c\u672c\u91d1 $10,000\uff09<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul data-start=\"223\" data-end=\"418\">\n<li data-start=\"223\" data-end=\"301\">\n<p data-start=\"225\" data-end=\"239\"><strong data-start=\"225\" data-end=\"237\">APR\uff08\u4e0d\u8907\u5229\uff09\uff0c<\/strong><strong data-start=\"244\" data-end=\"251\">1 \u5e74<\/strong>\uff1a$11,000\uff08\u5229\u606f $1,000\uff09 \/ <strong data-start=\"279\" data-end=\"287\">30 \u5929<\/strong>\uff1a\u7d04 <strong data-start=\"290\" data-end=\"301\">$82.19<\/strong><\/p>\n<\/li>\n<\/ul>\n<ul data-start=\"223\" data-end=\"418\">\n<li data-start=\"302\" data-end=\"418\">\n<p data-start=\"304\" data-end=\"328\"><strong data-start=\"304\" data-end=\"326\">APY\uff08\u6bcf\u65e5\u8907\u5229 \u2248 10.52%\uff09\uff0c<\/strong><strong data-start=\"333\" data-end=\"340\">1 \u5e74<\/strong>\uff1a<strong data-start=\"341\" data-end=\"356\">$11,051.56<\/strong>\uff08\u6bd4 APR \u591a $51.56\uff09\/ <strong data-start=\"380\" data-end=\"388\">30 \u5929<\/strong>\uff1a\u7d04 <strong data-start=\"391\" data-end=\"402\">$82.52<\/strong>\uff08\u6bd4 APR \u591a $0.33\uff09<\/p>\n<\/li>\n<\/ul>\n<p><span style=\"color: #0000ff;\">\u5c0f\u7d50\uff1a\u5546\u54c1\u9801\u5beb\u7684\u300c\u540d\u76ee\u5e74\u5229\u7387 10%\u300d= \u901a\u5e38\u6307 APR\u3002\u8981\u77e5\u9053\u81ea\u5df1\u5be6\u62ff\u591a\u5c11\uff0c\u518d\u770b\u662f\u5426\u6709\u8907\u5229\u8207\u8907\u6295\u898f\u5247\u3002\u5b8c\u6574\u4ecb\u7d39\uff0c\u8acb\u7e7c\u7e8c\u5f80\u4e0b\u95b1\u8b80\u3002<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"%E6%94%B6%E7%9B%8A%E7%8E%87%E6%98%AF%E4%BB%80%E9%BA%BC%EF%BC%9F%E6%8A%95%E8%B3%87%E5%9B%9E%E5%A0%B1%E7%9A%84%E9%97%9C%E9%8D%B5%E6%8C%87%E6%A8%99\"><\/span><b>\u6536\u76ca\u7387\u662f\u4ec0\u9ebc\uff1f\u6295\u8cc7\u56de\u5831\u7684\u95dc\u9375\u6307\u6a19<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u6536\u76ca\u7387\u662f\u7528\u4f86\u8861\u91cf\u6295\u8cc7\u56de\u5831\u7684\u6838\u5fc3\u6307\u6a19\uff0c\u4ee5\u767e\u5206\u6bd4\u8868\u793a\uff0c\u53cd\u6620\u4f60\u5f9e\u8cc7\u7522\u4e2d\u7372\u5f97\u7684\u6536\u76ca\u8207\u6295\u5165\u8cc7\u672c\u7684\u95dc\u4fc2\u3002\u7121\u8ad6\u662f\u53f0\u80a1\u9084\u662f DeFi \u7406\u8ca1\uff0c\u6536\u76ca\u7387\u90fd\u80fd\u5e6b\u4f60\u5feb\u901f\u8a55\u4f30\u6295\u8cc7\u6548\u679c\u3002<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"DeFi_%E6%94%B6%E7%9B%8A%E7%8E%87%E7%82%BA%E4%BD%95%E6%B5%AE%E5%8B%95%EF%BC%9F%E5%BD%B1%E9%9F%BF%E5%9B%A0%E7%B4%A0%E8%A7%A3%E6%9E%90\"><\/span><b>DeFi \u6536\u76ca\u7387\u70ba\u4f55\u6d6e\u52d5\uff1f\u5f71\u97ff\u56e0\u7d20\u89e3\u6790<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u5728 DeFi \u4e16\u754c\u4e2d\uff0c\u6536\u76ca\u7387\u8b8a\u5316\u983b\u7e41\uff0c\u53d7\u4f9b\u9700\u95dc\u4fc2\u3001\u8cc7\u91d1\u6c60\u6d41\u52d5\u6027\u548c\u5e02\u5834\u6ce2\u52d5\u5f71\u97ff\u3002\u4f8b\u5982\uff0c\u7576\u8cc7\u91d1\u6c60\u6d41\u52d5\u6027\u4f4e\u6642\uff0c\u6536\u76ca\u7387\u53ef\u80fd\u98c6\u5347\uff0c\u4f46\u98a8\u96aa\u4e5f\u96a8\u4e4b\u589e\u52a0\u3002<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"APY_%E8%88%87_APR%EF%BC%9A%E6%AF%94%E8%BC%83%E6%94%B6%E7%9B%8A%E7%8E%87%E7%9A%84%E6%9C%80%E4%BD%B3%E5%B7%A5%E5%85%B7\"><\/span><b>APY \u8207 APR\uff1a\u6bd4\u8f03\u6536\u76ca\u7387\u7684\u6700\u4f73\u5de5\u5177<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u6536\u76ca\u7387\u5e38\u7528 APY\uff08\u5e74\u5316\u6536\u76ca\u7387\uff09\u548c APR\uff08\u5e74\u5316\u767e\u5206\u7387\uff09\u4f86\u8868\u793a\uff0c\u5169\u8005\u5e6b\u52a9\u4f60\u6bd4\u8f03\u4e0d\u540c\u6295\u8cc7\u9078\u9805\u3002\u60f3\u77e5\u9053\u54ea\u500b\u66f4\u9069\u5408\u4f60\uff1fAPY \u8003\u616e\u8907\u5229\uff0cAPR \u5247\u805a\u7126\u7c21\u55ae\u6536\u76ca\u3002<\/span><\/p>\n<p><!-- \/wp:heading --><!-- wp:list --><\/p>\n<ul class=\"wp-block-list\">\n<li style=\"list-style-type: none;\">\n<ul class=\"wp-block-list\"><!-- wp:list-item --><\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- \/wp:list --><!-- wp:paragraph --><\/p>\n<p class=\"\">\u6536\u76ca\u7387\u4f5c\u70ba\u8861\u91cf\u6295\u8cc7\u56de\u5831\u7684\u91cd\u8981\u6307\u6a19\u4e4b\u4e00\uff0c\u901a\u5e38\u4ee5\u5e74\u5ea6\u767e\u5206\u6bd4\u7684\u5f62\u5f0f\u8868\u793a\u3002\u5b83\u53cd\u6620\u4e86\u6295\u8cc7\u8005\u5728\u7279\u5b9a\u6642\u9593\u6bb5\u5167\uff0c\u5f9e\u8cc7\u7522\u6216\u6295\u8cc7\u7d44\u5408\u4e2d\u7372\u5f97\u7684\u6536\u76ca\u3002<strong>\u5728<a href=\"https:\/\/academy.qubic.app\/qubic-web3\/what-is-defi\/\"> DeFi<\/a> \u4e16\u754c\u4e2d\uff0c\u6536\u76ca\u7387\u6703\u96a8\u8457\u5e02\u5834\u689d\u4ef6\u7684\u8b8a\u5316\u800c\u983b\u7e41\u6ce2\u52d5\uff0c\u9019\u4f7f\u5f97\u6536\u76ca\u7387\u7684\u8b8a\u52d5\u6210\u70ba\u6295\u8cc7\u6c7a\u7b56\u4e2d\u9700\u8981\u8003\u616e\u7684\u91cd\u8981\u56e0\u7d20\u3002<\/strong><\/p>\n<p><!-- \/wp:paragraph --><!-- wp:heading --><\/p>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"DeFi_%E4%B8%96%E7%95%8C%E4%B8%AD%E6%94%B6%E7%9B%8A%E7%8E%87%E6%B5%AE%E5%8B%95%E7%9A%84%E5%8E%9F%E5%9B%A0\"><\/span>DeFi \u4e16\u754c\u4e2d\u6536\u76ca\u7387\u6d6e\u52d5\u7684\u539f\u56e0<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><!-- \/wp:heading --><!-- wp:list --><\/p>\n<ul class=\"wp-block-list\">\n<li style=\"list-style-type: none;\">\n<ul class=\"wp-block-list\"><!-- wp:list-item --><\/ul>\n<\/li>\n<\/ul>\n<ol>\n<li><strong>\u4f9b\u9700\u95dc\u4fc2<\/strong>\uff1a\u7576 DeFi \u5e73\u53f0\u4e0a\u7684\u8cc7\u91d1\u9700\u6c42\u589e\u52a0\u6216\u4f9b\u61c9\u6e1b\u5c11\u6642\uff0c\u6536\u76ca\u7387\u5f80\u5f80\u6703\u4e0a\u5347\uff0c\u53cd\u4e4b\u4ea6\u7136\u3002\u9019\u662f\u56e0\u70ba\u6536\u76ca\u7387\u662f\u6fc0\u52f5\u8cc7\u91d1\u4f9b\u61c9\u8005\u53c3\u8207\u7684\u5de5\u5177\u3002<!-- \/wp:list-item --><!-- wp:list-item --><\/li>\n<li><strong>\u8cc7\u91d1\u6c60\u6d41\u52d5\u6027<\/strong>\uff1a\u8cc7\u91d1\u6c60\u7684\u5927\u5c0f\u548c\u6d41\u52d5\u6027\u4e5f\u5f71\u97ff\u6536\u76ca\u7387\u3002\u6d41\u52d5\u6027\u8f03\u9ad8\u7684\u8cc7\u91d1\u6c60\u901a\u5e38\u6703\u63d0\u4f9b\u66f4\u7a69\u5b9a\u7684\u6536\u76ca\u7387\uff0c\u800c\u6d41\u52d5\u6027\u8f03\u4f4e\u7684\u8cc7\u91d1\u6c60\u5247\u53ef\u80fd\u51fa\u73fe\u8f03\u5927\u7684\u6536\u76ca\u7387\u6ce2\u52d5\u3002<!-- \/wp:list-item --><!-- wp:list-item --><\/li>\n<li><strong>\u5e02\u5834\u6ce2\u52d5<\/strong>\uff1a\u52a0\u5bc6\u8ca8\u5e63\u5e02\u5834\u672c\u8eab\u7684\u6ce2\u52d5\u6027\u6703\u5f71\u97ff DeFi \u5e73\u53f0\u4e0a\u7684\u8cc7\u7522\u50f9\u503c\uff0c\u5f9e\u800c\u5f71\u97ff\u6536\u76ca\u7387\u3002\u4f8b\u5982\uff0c\u7576\u67d0\u7a2e\u52a0\u5bc6\u8cc7\u7522\u7684\u50f9\u683c\u6ce2\u52d5\u8f03\u5927\u6642\uff0c\u8a72\u8cc7\u7522\u76f8\u95dc\u7684\u6536\u76ca\u7387\u53ef\u80fd\u6703\u96a8\u4e4b\u5927\u5e45\u6ce2\u52d5\u3002<!-- \/wp:list-item --><!-- wp:list-item --><\/li>\n<li><strong>\u6316\u7926\u734e\u52f5\u548c\u6fc0\u52f5\u63aa\u65bd<\/strong>\uff1a\u8a31\u591a DeFi \u5354\u8b70\u901a\u904e\u984d\u5916\u7684\u4ee3\u5e63\u734e\u52f5\u4f86\u5438\u5f15\u6d41\u52d5\u6027\u63d0\u4f9b\u8005\uff0c\u9019\u4e9b\u734e\u52f5\u7684\u50f9\u503c\u6ce2\u52d5\u6703\u76f4\u63a5\u5f71\u97ff\u5230\u6700\u7d42\u7684\u6536\u76ca\u7387\u3002<\/li>\n<\/ol>\n<p><!-- \/wp:list-item --><\/p>\n<p>DeFi \u5ef6\u4f38\u95b1\u8b80\uff1a<\/p>\n<ul>\n<li><a href=\"https:\/\/academy.qubic.app\/qubic-web3\/what-is-defi\/\">\u4ec0\u9ebc\u662f\u53bb\u4e2d\u5fc3\u5316\u91d1\u878d\uff08DeFi\uff09\uff1f\u65b0\u624b\u4e5f\u80fd\u8f15\u9b06\u7406\u89e3\uff01<\/a><\/li>\n<li><a href=\"https:\/\/academy.qubic.app\/qubic-web3\/defi\/\">DeFi \u9805\u76ee\u98a8\u96aa\u9ad8\u55ce\uff1f\u5fc5\u5b78\u7684\u907f\u96f7\u6280\u5de7\u4e00\u6b21\u770b\u61c2 \u907f\u96aa\u8207\u904b\u7528\u8cc7\u91d1\u90fd\u4e0d\u96e3\uff01<\/a><\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2651b6b elementor-widget elementor-widget-text-editor\" data-id=\"2651b6b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2><span class=\"ez-toc-section\" id=\"APR_%E5%92%8C_APY_%E6%9C%89%E4%BB%80%E9%BA%BC%E5%8D%80%E5%88%A5%EF%BC%9F%E5%A6%82%E4%BD%95%E5%BD%B1%E9%9F%BF%E4%BD%A0%E7%9A%84%E6%94%B6%E7%9B%8A%E7%8E%87%EF%BC%9F\"><\/span><b>APR \u548c APY \u6709\u4ec0\u9ebc\u5340\u5225\uff1f\u5982\u4f55\u5f71\u97ff\u4f60\u7684\u6536\u76ca\u7387\uff1f<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u60f3\u77e5\u9053 APR \u548c APY \u7684\u5dee\u5225\uff1f\u8b93\u6211\u5011\u5f9e\u516c\u5f0f\u958b\u59cb\uff01<strong>APR\uff08Annual Percentage Rate\uff0c\u5e74\u5316\u767e\u5206\u6bd4\u5229\u7387\uff09<\/strong>\u8868\u793a\u7c21\u55ae\u5e74\u5316\u6536\u76ca\u7387\uff0c\u4e0d\u8003\u616e\u8907\u5229\uff0c\u8a08\u7b97\u516c\u5f0f\u70ba\uff1a<\/span><\/p>\n<blockquote>\n<h3 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"APR%E8%A8%88%E7%AE%97%E5%85%AC%E5%BC%8F%EF%BC%88Annual_Percentage_Rate%EF%BC%8C%E5%B9%B4%E5%8C%96%E7%99%BE%E5%88%86%E6%AF%94%E5%88%A9%E7%8E%87%EF%BC%89\"><\/span><span style=\"font-weight: 400;\"><strong>APR\u8a08\u7b97\u516c\u5f0f\uff08Annual Percentage Rate\uff0c\u5e74\u5316\u767e\u5206\u6bd4\u5229\u7387\uff09<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/blockquote>\n<p><img decoding=\"async\" data-recalc-dims=\"1\" class=\"alignnone wp-image-3767 size-large\" src=\"https:\/\/i0.wp.com\/academy.qubic.app\/wp-content\/uploads\/2025\/03\/APR.jpg?resize=1024%2C174&#038;ssl=1\" alt=\"APR=(\u672c\u91d1\u6536\u76ca\u200b)\u00d7\u5929\u6578365\u200b\u00d7100%\" width=\"1024\" height=\"174\" title=\"\" srcset=\"https:\/\/i0.wp.com\/academy.qubic.app\/wp-content\/uploads\/2025\/03\/APR.jpg?w=1486&amp;ssl=1 1486w, https:\/\/i0.wp.com\/academy.qubic.app\/wp-content\/uploads\/2025\/03\/APR.jpg?resize=300%2C51&amp;ssl=1 300w, https:\/\/i0.wp.com\/academy.qubic.app\/wp-content\/uploads\/2025\/03\/APR.jpg?resize=1024%2C174&amp;ssl=1 1024w, https:\/\/i0.wp.com\/academy.qubic.app\/wp-content\/uploads\/2025\/03\/APR.jpg?resize=768%2C130&amp;ssl=1 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">\u800c<strong> APY\uff08Annual Percentage Yield\uff0c\u5e74\u5316\u6536\u76ca\u7387\uff09<\/strong>\u5247\u7d0d\u5165\u8907\u5229\u6548\u679c\uff0c\u516c\u5f0f\u5982\u4e0b\uff1a<\/span><\/p>\n<blockquote>\n<h3 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"APY%E8%A8%88%E7%AE%97%E5%85%AC%E5%BC%8F%EF%BC%88Annual_Percentage_Yield%EF%BC%8C%E5%B9%B4%E5%8C%96%E6%94%B6%E7%9B%8A%E7%8E%87%EF%BC%89\"><\/span><span style=\"font-weight: 400;\"><strong>APY\u8a08\u7b97\u516c\u5f0f\uff08Annual Percentage Yield\uff0c\u5e74\u5316\u6536\u76ca\u7387\uff09<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/blockquote>\n<p><img decoding=\"async\" data-recalc-dims=\"1\" class=\"alignnone wp-image-3768 size-large\" src=\"https:\/\/i0.wp.com\/academy.qubic.app\/wp-content\/uploads\/2025\/03\/APY.jpg?resize=1024%2C197&#038;ssl=1\" alt=\"APY=(1+n\/\u5229\u7387\u200b)n\u22121\u00d7100%\" width=\"1024\" height=\"197\" title=\"\" srcset=\"https:\/\/i0.wp.com\/academy.qubic.app\/wp-content\/uploads\/2025\/03\/APY.jpg?w=1508&amp;ssl=1 1508w, https:\/\/i0.wp.com\/academy.qubic.app\/wp-content\/uploads\/2025\/03\/APY.jpg?resize=300%2C58&amp;ssl=1 300w, https:\/\/i0.wp.com\/academy.qubic.app\/wp-content\/uploads\/2025\/03\/APY.jpg?resize=1024%2C197&amp;ssl=1 1024w, https:\/\/i0.wp.com\/academy.qubic.app\/wp-content\/uploads\/2025\/03\/APY.jpg?resize=768%2C148&amp;ssl=1 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<p><strong>\u5dee\u5225\u5728\u54ea\uff1f<\/strong><span style=\"font-weight: 400;\"> APR \u53ea\u770b\u7c21\u55ae\u6536\u76ca\uff0c\u9069\u5408\u77ed\u671f\u6295\u8cc7\u8a55\u4f30\uff1bAPY \u53cd\u6620\u8907\u5229\u589e\u9577\uff0c\u66f4\u9069\u5408\u9577\u671f\u6295\u8cc7\uff0c\u5982\u53f0\u7063\u71b1\u9580\u7684 DeFi \u7406\u8ca1\u6216\u5b9a\u5b58\u3002<\/span><b>\u8a72\u9078\u54ea\u500b\uff1f<\/b><span style=\"font-weight: 400;\"> \u82e5\u4f60\u5728\u53f0\u7063\u6295\u8cc7\u53f0\u80a1\u6216\u52a0\u5bc6\u8ca8\u5e63\uff0c\u60f3\u5feb\u901f\u6bd4\u8f03\uff0c\u9078 APR\uff1b\u82e5\u8ffd\u6c42\u9577\u671f\u8907\u5229\u589e\u9577\uff0cAPY \u66f4\u80fd\u5e6b\u4f60\u63d0\u5347\u6536\u76ca\u7387\uff01<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"APR_%E8%88%87_APY_%E6%AF%94%E8%BC%83%E8%A1%A8%E6%A0%BC\"><\/span><b>APR \u8207 APY \u6bd4\u8f03\u8868\u683c<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u4ee5\u4e0b\u8868\u683c\u5c55\u793a\u5169\u8005\u7684\u5dee\u7570\uff08<\/span><b>\u5047\u8a2d 10% \u5229\u7387<\/b><span style=\"font-weight: 400;\">\uff09\uff1a<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td>\n<p><b>\u6307\u6a19<\/b><\/p>\n<\/td>\n<td>\n<p><b>\u8a08\u7b97\u65b9\u5f0f<\/b><\/p>\n<\/td>\n<td>\n<p><b>10% \u5229\u7387\u7d50\u679c<\/b><\/p>\n<\/td>\n<td>\n<p><b>\u9069\u7528\u5834\u666f<\/b><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p><span style=\"font-weight: 400;\">APR<\/span><\/p>\n<\/td>\n<td>\n<p><span style=\"font-weight: 400;\">\u7c21\u55ae\u5e74\u5316\u5229\u7387<\/span><\/p>\n<\/td>\n<td>\n<p><span style=\"font-weight: 400;\">10%<\/span><\/p>\n<\/td>\n<td>\n<p><span style=\"font-weight: 400;\">\u77ed\u671f\u8cb8\u6b3e\u6216\u6295\u8cc7<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p><span style=\"font-weight: 400;\">APY (\u6bcf\u6708\u8907\u5229)<\/span><\/p>\n<\/td>\n<td>\n<p><span style=\"font-weight: 400;\">\u8907\u5229\u5e74\u5316\u6536\u76ca\u7387<\/span><\/p>\n<\/td>\n<td>\n<p><span style=\"font-weight: 400;\">10.47%<\/span><\/p>\n<\/td>\n<td>\n<p><span style=\"font-weight: 400;\">\u9577\u671f\u7406\u8ca1\u6216\u5b9a\u5b58<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><i><span style=\"font-weight: 400;\">\u6ce8\uff1aAPY \u96a8\u8907\u5229\u983b\u7387\u589e\u52a0\u800c\u7565\u9ad8\uff0c\u9577\u671f\u6295\u8cc7\u66f4\u986f\u512a\u52e2\u3002<\/span><\/i><\/p>\n<h2><span class=\"ez-toc-section\" id=\"APY_APR_%E7%B7%9A%E4%B8%8A%E8%A8%88%E7%AE%97%E5%99%A8\"><\/span>APY &amp; APR \u7dda\u4e0a\u8a08\u7b97\u5668<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<blockquote>\n<p><span style=\"font-weight: 400;\">\u60f3\u77e5\u9053\u5982\u4f55\u8a08\u7b97\uff1f\u8a66\u8a66<\/span><strong><a href=\"https:\/\/miniwebtool.com\/zh-tw\/compound-interest-calculator\/\" rel=\"nofollow noopener\" target=\"_blank\">\u7dda\u4e0a\u8907\u5229\u8a08\u7b97\u6a5f<\/a><\/strong><\/p>\n<\/blockquote>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-842bd4e elementor-widget elementor-widget-video\" data-id=\"842bd4e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=4hcs__p-AYA&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-29b20cf elementor-widget elementor-widget-wp-widget-custom_post_widget\" data-id=\"29b20cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"wp-widget-custom_post_widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!-- wp:paragraph -->\n<p class=\"\"><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph {\"align\":\"center\",\"fontSize\":\"small\"} -->\n<p class=\"has-text-align-center has-small-font-size\"><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p class=\"\"><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:html -->\n<div class=\"toc-skip\">\n  <p class=\"has-small-font-size\"><strong>\u2013 \u514d\u8cac\u8072\u660e DISCLAIMER \u2013<br>\u4ee5\u4e0a\u5167\u5bb9\u50c5\u70ba\u4e00\u822c\u6027\u4ecb\u7d39\uff0c\u65e8\u5728\u77e5\u8b58\u6027\u53ca\u5b78\u8853\u6027\u5206\u4eab\uff0c\u63d0\u4f9b DeFi\uff08\u53bb\u4e2d\u5fc3\u5316\u91d1\u878d\uff09\u9818\u57df\u4e4b\u6574\u9ad4\u8cc7\u8a0a\u53ca\u5e38\u898b\u6295\u8cc7\u8853\u8a9e\u6216\u6982\u5ff5\u4e4b\u4ecb\u7d39\uff0c\u4e26\u975e\u6307\u6d89 Qubic \u63d0\u4f9b\u4e4b\u4efb\u4f55\u7279\u5b9a\u670d\u52d9\u6216\u7522\u54c1\u3002\u672c\u5167\u5bb9\u4e0d\u69cb\u6210 Qubic \u8207\u4efb\u4f55\u500b\u4eba\u6216\u4f01\u696d\u4e4b\u9593\u4e4b\u5177\u9ad4\u670d\u52d9\u5354\u8b70\u6216\u6cd5\u5f8b\u627f\u8afe\uff0c\u4ea6\u4e0d\u69cb\u6210\u4efb\u4f55\u6295\u8cc7\u3001\u8ca1\u52d9\u6216\u6cd5\u5f8b\u5efa\u8b70\u3002\u4efb\u4f55\u4eba\u64da\u6b64\u7b49\u8cc7\u6599\u800c\u505a\u51fa\u6216\u6539\u8b8a\u6295\u8cc7\u64cd\u4f5c\u4e4b\u6c7a\u7b56\uff0c\u9808\u81ea\u884c\u627f\u64d4\u7d50\u679c\u3002\u5982\u60a8\u5e0c\u671b\u9032\u4e00\u6b65\u77ad\u89e3\u6216\u4f7f\u7528 Qubic \u4e4b\u7279\u5b9a\u670d\u52d9\u6216\u7522\u54c1\uff0c\u8acb\u76f4\u63a5\u806f\u7e6b Qubic\uff0c\u6216\u53c3\u95b1\u76f8\u95dc\u5177\u6709\u6cd5\u5f8b\u7d04\u675f\u529b\u4e4b\u5951\u7d04\u689d\u6b3e\uff0c\u4ee5\u7372\u53d6\u66f4\u9069\u5207\u4e4b\u8cc7\u8a0a\u3002<br><sub>*APR\uff08\u5e74\u6536\u76ca\u7387\uff09\u70ba\u904e\u53bb\u4e09\u500b\u6708\u6700\u9ad8 APR \u9032\u884c\u8a08\u7b97\uff0c\u50c5\u4f9b\u8a66\u7b97\u4f7f\u7528\uff0c\u4e0d\u4ee3\u8868\u672a\u4f86\u5e74\u6536\u76ca\u7387\u7684\u4fdd\u8b49\uff08\u6700\u5f8c\u66f4\u65b0\u65e5\uff1a2025\u5e743\u670819\u65e5\uff09\u3002<\/sub><br><sub>*AMIS\u63d0\u4f9b\u7684\u3010\u66f4\u6eff\u76ca\u3011\u5c6c\u65bc\u5354\u52a9\u7528\u6236\u53c3\u8207 DeFi \u5354\u8b70\u7684\u6280\u8853\u670d\u52d9\uff0cAPR \u7531\u7b2c\u4e09\u65b9 DeFi \u5354\u8b70\u63d0\u4f9b\u3002<\/sub><br><sub>*\u53c3\u8207 DeFi \u5354\u8b70\u5177\u6709\u98a8\u96aa\uff0c\u53ef\u80fd\u4f7f\u6295\u5165\u91d1\u984d\u7522\u751f\u8667\u640d\uff0c\u4e14\u6700\u5927\u640d\u5931\u70ba\u5168\u90e8\u6295\u5165\u91d1\u984d\uff0c\u7528\u6236\u9808\u81ea\u884c\u627f\u64d4\u98a8\u96aa\u3002<br><\/strong><\/p>\n<\/div>\n<!-- \/wp:html -->\n\n<!-- wp:paragraph {\"align\":\"center\"} -->\n<p class=\"has-text-align-center\"><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p class=\"\"><\/p>\n<!-- \/wp:paragraph -->\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b6f0f0c e-flex e-con-boxed e-con e-parent\" data-id=\"b6f0f0c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5e928044 elementor-widget elementor-widget-text-editor\" data-id=\"5e928044\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<figure class=\"wp-block-image\"><\/figure>\n<p><!-- \/wp:paragraph --><!-- wp:heading {\"level\":3} --><\/p>\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"APR_APY_TVL_%E8%8B%B1%E6%96%87%E7%B8%AE%E5%AF%AB\"><\/span><strong>APR &amp; APY &amp; TVL \u82f1\u6587\u7e2e\u5beb<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><!-- \/wp:heading --><!-- wp:list --><\/p>\n<ul class=\"wp-block-list\">\n<li style=\"list-style-type: none;\">\n<ul class=\"wp-block-list\"><!-- wp:list-item --><\/ul>\n<\/li>\n<\/ul>\n<p><strong>APR\uff08Annual Percentage Rate\uff09<\/strong>\uff1a\u5e74\u5316\u767e\u5206\u6bd4\u5229\u7387\uff0c\u901a\u5e38\u4e0d\u8003\u616e\u8907\u5229\u6548\u679c\u3002<\/p>\n<p><!-- \/wp:list-item --><!-- wp:list-item --><\/p>\n<p><strong>APY\uff08Annual Percentage Yield\uff09<\/strong>\uff1a\u5e74\u5316\u6536\u76ca\u7387\uff0c\u8003\u616e\u8907\u5229\u6548\u679c\uff0c\u53cd\u6620\u4e86\u8cc7\u7522\u5728\u4e00\u5b9a\u6642\u9593\u5167\u7684\u5be6\u969b\u589e\u503c\u3002<\/p>\n<p><!-- \/wp:list-item --><!-- wp:list-item --><\/p>\n<p><strong>TVL\uff08Total Value Locked\uff09<\/strong>\uff1a\u9396\u5009\u7e3d\u50f9\u503c\uff0c\u8868\u793a\u5728 DeFi \u5e73\u53f0\u4e2d\u9396\u5b9a\u7684\u8cc7\u7522\u7e3d\u50f9\u503c\uff0c\u901a\u5e38\u7528\u4f86\u8861\u91cf DeFi \u5354\u8b70\u7684\u898f\u6a21\u548c\u6d41\u52d5\u6027\u3002<\/p>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- \/wp:list --><!-- wp:image --><\/p>\n<figure class=\"wp-block-image\"><\/figure>\n<p><!-- \/wp:image --><!-- wp:paragraph --><\/p>\n<p><!-- \/wp:paragraph --><!-- wp:heading --><\/p>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p><!-- \/wp:essential-blocks\/accordion --><!-- wp:paragraph --><\/p>\n<p><!-- \/wp:paragraph --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9a77e3a e-con-full e-flex e-con e-child\" data-id=\"9a77e3a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a9096ee elementor-widget elementor-widget-image\" data-id=\"a9096ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/i0.wp.com\/academy.qubic.app\/wp-content\/uploads\/2024\/11\/image3.jpg?fit=1024%2C683&amp;ssl=1\" class=\"attachment-large size-large wp-image-6116\" alt=\"APY\" srcset=\"https:\/\/i0.wp.com\/academy.qubic.app\/wp-content\/uploads\/2024\/11\/image3.jpg?w=1999&amp;ssl=1 1999w, https:\/\/i0.wp.com\/academy.qubic.app\/wp-content\/uploads\/2024\/11\/image3.jpg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/academy.qubic.app\/wp-content\/uploads\/2024\/11\/image3.jpg?resize=1024%2C683&amp;ssl=1 1024w, https:\/\/i0.wp.com\/academy.qubic.app\/wp-content\/uploads\/2024\/11\/image3.jpg?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/academy.qubic.app\/wp-content\/uploads\/2024\/11\/image3.jpg?resize=1536%2C1024&amp;ssl=1 1536w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" title=\"\">\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">Source\uff1aUnsplash\uff5cMarkus Spiske<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-21596e31 e-flex e-con-boxed e-con e-parent\" data-id=\"21596e31\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-63b08c5 e-con-full e-flex e-con e-child\" data-id=\"63b08c5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c3d05e8 elementor-widget elementor-widget-text-editor\" data-id=\"c3d05e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"\">\u5728 DeFi \u4e16\u754c\uff0c\u6536\u76ca\u7387\u7684\u6d6e\u52d5\u53d7\u5e02\u5834\u4f9b\u9700\u3001\u8cc7\u91d1\u6c60\u6d41\u52d5\u6027\u548c\u6ce2\u52d5\u5f71\u97ff\u3002\u7406\u89e3\u9019\u4e9b\u56e0\u7d20\u4e26\u638c\u63e1 APR \u548c APY \u7684\u8a08\u7b97\u65b9\u5f0f\uff0c\u80fd\u6709\u6548\u5e6b\u52a9\u4f60\u505a\u51fa\u8070\u660e\u6c7a\u7b56\u3002\u5bc6\u5207\u8ffd\u8e64\u9019\u4e9b\u6307\u6a19\uff0c\u6839\u64da\u5e02\u5834\u52d5\u614b\u8abf\u6574\u7b56\u7565\uff0c\u8f15\u9b06\u5be6\u73fe\u6700\u4f73\u8cc7\u7522\u589e\u503c\u6548\u679c\uff01<\/p>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%80%8E%E9%BA%BC%E9%96%8B%E5%A7%8B%E6%88%91%E7%9A%84%E7%AC%AC%E4%B8%80%E7%AD%86%E5%8E%BB%E4%B8%AD%E5%BF%83%E5%8C%96%E9%87%91%E8%9E%8D%EF%BC%9F\"><\/span><span id=\"%E6%80%8E%E9%BA%BC%E9%96%8B%E5%A7%8B%E6%88%91%E7%9A%84%E7%AC%AC%E4%B8%80%E7%AD%86%E5%8E%BB%E4%B8%AD%E5%BF%83%E5%8C%96%E9%87%91%E8%9E%8D%EF%BC%9F\" class=\"ez-toc-section\"><\/span>\u600e\u9ebc\u958b\u59cb\u6211\u7684\u7b2c\u4e00\u7b46\u53bb\u4e2d\u5fc3\u5316\u91d1\u878d\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<blockquote>\n<p class=\"wp-block-heading\"><strong>Qubic\uff1a\u4f60\u7684\u7b2c\u4e00\u500b Web3 \u9322\u5305 \uff01<a href=\"https:\/\/qubic.app\/download\" target=\"_blank\" rel=\"nofollow noopener\">\u9ede\u6211\u4e0b\u8f09<\/a><\/strong><\/p>\n<\/blockquote>\n<p>\u00a0<\/p>\n<p class=\"\">\u53f0\u7063\u6700\u5e38\u898b\u7684\u300c\u00a0<a href=\"https:\/\/www.qubic.app\/\" target=\"_blank\" rel=\"noopener\">Qubic<\/a>\u300d\u4e5f\u662f\u4e0d\u5c11\u5c0f\u767d\u71b1\u9580\u5165\u9580\u9078\u64c7\uff0c\u7c21\u55ae\u6613\u7528\u7684\u4e2d\u6587\u64cd\u4f5c\u754c\u9762\uff0c\u9069\u5408\u65b0\u624b\u5c0f\u767d\u5bb9\u6613\u4e0a\u624b\u3002\u540c\u6642 Qubic \u5176\u5be6\u662f MaiCoin \u96c6\u5718\u65d7\u4e0b\u7522\u54c1\u4e4b\u4e00\u3002MaiCoin \u4f5c\u70ba\u53f0\u7063\u4ea4\u6613\u91cf\u6700\u5927\uff0c\u4e14\u552f\u4e00\u5177\u5099<a href=\"https:\/\/academy.qubic.app\/qubic-web3\/blockchain\/\">\u5340\u584a\u93c8<\/a>\u6280\u8853\u516c\u53f8\u4e4b\u6578\u4f4d\u8cc7\u7522\u54c1\u724c<strong>\u3002\u5728\u53f0\u7063\u9084\u6709\u5be6\u9ad4\u9580\u5e02\u53ef\u4ee5\u96a8\u6642\u4f5c\u70ba\u4f60\u7684\u4f5c\u70ba\u652f\u63f4\uff01<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c0b8a43 e-con-full e-flex e-con e-child\" data-id=\"c0b8a43\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6ca2df8 elementor-widget elementor-widget-image\" data-id=\"6ca2df8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"527\" src=\"https:\/\/i0.wp.com\/academy.qubic.app\/wp-content\/uploads\/2024\/12\/image2-4.png?fit=1024%2C527&amp;ssl=1\" class=\"attachment-large size-large wp-image-6108\" alt=\"qubic defi\" srcset=\"https:\/\/i0.wp.com\/academy.qubic.app\/wp-content\/uploads\/2024\/12\/image2-4.png?w=1999&amp;ssl=1 1999w, https:\/\/i0.wp.com\/academy.qubic.app\/wp-content\/uploads\/2024\/12\/image2-4.png?resize=300%2C154&amp;ssl=1 300w, https:\/\/i0.wp.com\/academy.qubic.app\/wp-content\/uploads\/2024\/12\/image2-4.png?resize=1024%2C527&amp;ssl=1 1024w, https:\/\/i0.wp.com\/academy.qubic.app\/wp-content\/uploads\/2024\/12\/image2-4.png?resize=768%2C395&amp;ssl=1 768w, https:\/\/i0.wp.com\/academy.qubic.app\/wp-content\/uploads\/2024\/12\/image2-4.png?resize=1536%2C790&amp;ssl=1 1536w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" title=\"\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-31677533 elementor-widget elementor-widget-eael-adv-accordion\" data-id=\"31677533\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"eael-adv-accordion.default\">\n\t\t\t\t\t            <div class=\"eael-adv-accordion\" id=\"eael-adv-accordion-31677533\" data-scroll-on-click=\"no\" data-scroll-speed=\"300\" data-accordion-id=\"31677533\" data-accordion-type=\"accordion\" data-toogle-speed=\"300\">\n            <div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"apr-\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"1\" aria-controls=\"elementor-tab-content-8281\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">APR \u662f\u4ec0\u9ebc\uff1f<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-right\" viewBox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224.3 273l-136 136c-9.4 9.4-24.6 9.4-33.9 0l-22.6-22.6c-9.4-9.4-9.4-24.6 0-33.9l96.4-96.4-96.4-96.4c-9.4-9.4-9.4-24.6 0-33.9L54.3 103c9.4-9.4 24.6-9.4 33.9 0l136 136c9.5 9.4 9.5 24.6.1 34z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-8281\" class=\"eael-accordion-content clearfix\" data-tab=\"1\" aria-labelledby=\"apr-\"><p><strong>APR \u5c31\u662f\u4e0d\u542b\u8907\u5229<\/strong>\u7684\u5e74\u5229\u7387\u3002\u62ff\u4f86\u4f30<strong>\u77ed\u671f<\/strong>\u6216<strong>\u6c92\u6709\u628a\u5229\u606f\u518d\u6295\u5165<\/strong>\u7684\u60c5\u5883\u6700\u597d\u61c2\u3002<br \/><strong>\u4f8b\u5b50<\/strong>\uff1a\u540d\u76ee\u5e74\u5229\u7387 10%\uff0c\u672c\u91d1 $10,000<\/p>\n<ul>\n<li>\n<p>\u653e <strong>1 \u5e74<\/strong>\uff1a\u5229\u606f\u7d04 $1,000 \u2192 \u672c\u5229\u548c <strong>$11,000<\/strong><\/p>\n<\/li>\n<li>\n<p>\u653e <strong>30 \u5929<\/strong>\uff1a\u5229\u606f\u7d04 <strong>$82.19<\/strong>\uff08= $10,000 \u00d7 10% \u00d7 30\/365\uff09<\/p>\n<\/li>\n<\/ul><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"apy-\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"2\" aria-controls=\"elementor-tab-content-8282\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">APY \u662f\u4ec0\u9ebc\uff1f<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-right\" viewBox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224.3 273l-136 136c-9.4 9.4-24.6 9.4-33.9 0l-22.6-22.6c-9.4-9.4-9.4-24.6 0-33.9l96.4-96.4-96.4-96.4c-9.4-9.4-9.4-24.6 0-33.9L54.3 103c9.4-9.4 24.6-9.4 33.9 0l136 136c9.5 9.4 9.5 24.6.1 34z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-8282\" class=\"eael-accordion-content clearfix\" data-tab=\"2\" aria-labelledby=\"apy-\"><p><strong>APY \u6703\u628a<\/strong>\u5229\u6efe\u5229\uff08\u8907\u5229\uff09**\u7b97\u9032\u53bb\u3002\u6642\u9593\u8d8a\u9577\u3001\u8907\u5229\u8d8a\u983b\u7e41\uff0c\u5be6\u969b\u5e74\u5316\u5c31\u8d8a\u9ad8\u3002<br \/><strong>\u4f8b\u5b50\uff08\u6bcf\u65e5\u8907\u5229\uff09<\/strong>\uff1a\u540d\u76ee\u5e74\u5229\u7387 10%\uff0c\u672c\u91d1 $10,000<\/p>\n<ul>\n<li>\n<p>\u653e <strong>1 \u5e74<\/strong>\uff1a\u672c\u5229\u548c\u7d04 <strong>$11,051.56<\/strong>\uff08\u6bd4 APR \u591a <strong>$51.56<\/strong>\uff09<\/p>\n<\/li>\n<li>\n<p>\u653e <strong>30 \u5929<\/strong>\uff1a\u5229\u606f\u7d04 <strong>$82.52<\/strong>\uff08\u6bd4 APR \u591a <strong>$0.33<\/strong>\uff09<\/p>\n<\/li>\n<\/ul><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"3\" aria-controls=\"elementor-tab-content-8283\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">\u4ec0\u9ebc\u662f\u6536\u76ca\u7387\uff1f\u70ba\u4ec0\u9ebc\u5b83\u5c0d\u6295\u8cc7\u8005\u5f88\u91cd\u8981\uff1f<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-right\" viewBox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224.3 273l-136 136c-9.4 9.4-24.6 9.4-33.9 0l-22.6-22.6c-9.4-9.4-9.4-24.6 0-33.9l96.4-96.4-96.4-96.4c-9.4-9.4-9.4-24.6 0-33.9L54.3 103c9.4-9.4 24.6-9.4 33.9 0l136 136c9.5 9.4 9.5 24.6.1 34z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-8283\" class=\"eael-accordion-content clearfix\" data-tab=\"3\" aria-labelledby=\"\"><p>\u6536\u76ca\u7387\u662f\u8861\u91cf\u4f60\u6295\u8cc7\u56de\u5831\u7684\u767e\u5206\u6bd4\u6307\u6a19\uff0c\u544a\u8a34\u4f60\u6295\u8cc7\u8cc7\u91d1\u80fd\u5e36\u4f86\u591a\u5c11\u6536\u76ca\u3002\u5b83\u80fd\u5e6b\u52a9\u6295\u8cc7\u8005\u6bd4\u8f03\u4e0d\u540c\u7684\u6295\u8cc7\u9078\u9805\uff0c\u5feb\u901f\u5224\u65b7\u54ea\u500b\u80fd\u63d0\u4f9b\u66f4\u9ad8\u7684\u56de\u5831\u3002\u56e0\u6b64\uff0c\u7406\u89e3\u6536\u76ca\u7387\u7684\u8b8a\u52d5\u4e0d\u50c5\u80fd\u8b93\u4f60\u66f4\u6e05\u695a\u81ea\u5df1\u7684\u6295\u8cc7\u6548\u76ca\uff0c\u4e5f\u80fd\u5e6b\u52a9\u4f60\u505a\u51fa\u66f4\u660e\u667a\u7684\u6295\u8cc7\u6c7a\u7b56\u3002<\/p><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"apr-apy-\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"4\" aria-controls=\"elementor-tab-content-8284\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">APR \u8207 APY \u5dee\u5728\u54ea\uff1f\u6211\u8a72\u9078\u54ea\u500b\uff1f<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-right\" viewBox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224.3 273l-136 136c-9.4 9.4-24.6 9.4-33.9 0l-22.6-22.6c-9.4-9.4-9.4-24.6 0-33.9l96.4-96.4-96.4-96.4c-9.4-9.4-9.4-24.6 0-33.9L54.3 103c9.4-9.4 24.6-9.4 33.9 0l136 136c9.5 9.4 9.5 24.6.1 34z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-8284\" class=\"eael-accordion-content clearfix\" data-tab=\"4\" aria-labelledby=\"apr-apy-\"><div>APR\uff08\u5e74\u5316\u767e\u5206\u7387\uff09\u548c APY\uff08\u5e74\u5316\u6536\u76ca\u7387\uff09\u662f\u8a08\u7b97\u6536\u76ca\u7387\u7684\u5169\u5927\u5de5\u5177\u3002APR \u4e0d\u542b\u8907\u5229\uff0c\u9069\u5408\u77ed\u671f\u6295\u8cc7\u8a55\u4f30\uff1bAPY \u8003\u616e\u8907\u5229\uff0c\u53cd\u6620\u9577\u671f\u771f\u5be6\u56de\u5831\u3002\u5982\u679c\u4f60\u7684\u6295\u8cc7\u6703\u7522\u751f\u8907\u5229\u6548\u679c\uff0c\u9078\u64c7 APY \u66f4\u80fd\u5e6b\u52a9\u4f60\u6e96\u78ba\u4e86\u89e3\u6700\u7d42\u6536\u76ca\u3002<\/div>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"defi-\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"5\" aria-controls=\"elementor-tab-content-8285\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">DeFi \u6536\u76ca\u7387\u70ba\u4f55\u7e3d\u662f\u8b8a\u52d5\uff1f\u80cc\u5f8c\u539f\u56e0\u63ed\u79d8<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-right\" viewBox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224.3 273l-136 136c-9.4 9.4-24.6 9.4-33.9 0l-22.6-22.6c-9.4-9.4-9.4-24.6 0-33.9l96.4-96.4-96.4-96.4c-9.4-9.4-9.4-24.6 0-33.9L54.3 103c9.4-9.4 24.6-9.4 33.9 0l136 136c9.5 9.4 9.5 24.6.1 34z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-8285\" class=\"eael-accordion-content clearfix\" data-tab=\"5\" aria-labelledby=\"defi-\"><div>DeFi \u5e73\u53f0\u7684\u6536\u76ca\u7387\u6ce2\u52d5\u53d7\u5e02\u5834\u4f9b\u9700\u3001\u8cc7\u91d1\u6c60\u6d41\u52d5\u6027\u548c\u52a0\u5bc6\u8ca8\u5e63\u50f9\u683c\u5f71\u97ff\u3002\u4f8b\u5982\uff0c\u7576\u8cc7\u91d1\u6c60\u9700\u6c42\u589e\u52a0\u6216\u6d41\u52d5\u6027\u6e1b\u5c11\u6642\uff0c\u6536\u76ca\u7387\u5f80\u5f80\u4e0a\u5347\uff1b\u53cd\u4e4b\uff0c\u4f9b\u61c9\u904e\u5269\u5247\u6703\u58d3\u4f4e\u56de\u5831\u3002\u53f0\u7063\u6295\u8cc7\u8005\u9700\u5bc6\u5207\u95dc\u6ce8\u5e02\u5834\u52d5\u614b\uff0c\u9748\u6d3b\u8abf\u6574\u7b56\u7565\u4ee5\u61c9\u5c0d\u6ce2\u52d5\u3002<\/div><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"-10\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"6\" aria-controls=\"elementor-tab-content-8286\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">\u300c\u540d\u76ee\u5e74\u5229\u7387 10%\u300d\u662f\u4ec0\u9ebc\u610f\u601d\uff1f<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-right\" viewBox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224.3 273l-136 136c-9.4 9.4-24.6 9.4-33.9 0l-22.6-22.6c-9.4-9.4-9.4-24.6 0-33.9l96.4-96.4-96.4-96.4c-9.4-9.4-9.4-24.6 0-33.9L54.3 103c9.4-9.4 24.6-9.4 33.9 0l136 136c9.5 9.4 9.5 24.6.1 34z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-8286\" class=\"eael-accordion-content clearfix\" data-tab=\"6\" aria-labelledby=\"-10\"><p><strong>\u901a\u5e38\u5c31\u662f\u5546\u54c1\u9801\u5beb\u7684\u5e74\u5229\u7387\uff08APR\uff09<\/strong>\u3002<\/p>\n<ul>\n<li>\n<p><strong>\u6c92\u6709\u81ea\u52d5\u8907\u6295<\/strong>\uff1a\u653e\u4e00\u5e74\u5927\u7d04 +10%\uff08\u63a5\u8fd1 APR\uff09\u3002<\/p>\n<\/li>\n<li>\n<p><strong>\u6709\u81ea\u52d5\u8907\u6295<\/strong>\uff08\u4f8b\u5982\u6bcf\u65e5\u8907\u5229\uff09\uff1a\u7b49\u6548\u5e74\u5316\u6703<strong>\u9ad8\u4e00\u4e9b<\/strong>\uff0810% \u540d\u76ee \u2192 APY \u7d04 <strong>10.52%<\/strong>\uff09\u3002<\/p>\n<\/li>\n<\/ul><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"-730-apr-apy\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"7\" aria-controls=\"elementor-tab-content-8287\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">\u6211\u53ea\u6253\u7b97\u653e 7\u201330 \u5929\uff0c\u8981\u770b APR \u9084\u662f APY\uff1f<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-right\" viewBox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224.3 273l-136 136c-9.4 9.4-24.6 9.4-33.9 0l-22.6-22.6c-9.4-9.4-9.4-24.6 0-33.9l96.4-96.4-96.4-96.4c-9.4-9.4-9.4-24.6 0-33.9L54.3 103c9.4-9.4 24.6-9.4 33.9 0l136 136c9.5 9.4 9.5 24.6.1 34z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-8287\" class=\"eael-accordion-content clearfix\" data-tab=\"7\" aria-labelledby=\"-730-apr-apy\"><p>\u770b APR \u5c31\u5f88\u5920\u4e86\uff0c\u56e0\u70ba\u77ed\u671f\u5dee\u7570\u5f88\u5c0f\u3002<br \/><strong>\u4f8b\u5b50\uff0810%\u3001$10,000\uff09<\/strong>\uff1a<\/p>\n<ul>\n<li>\n<p><strong>7 \u5929<\/strong>\uff1aAPR \u7d04 <strong>$19.18<\/strong>\uff1b\u6bcf\u65e5\u8907\u5229\u7d04 <strong>$19.19<\/strong>\uff08\u53ea\u591a <strong>$0.02<\/strong>\uff09\u3002<\/p>\n<\/li>\n<li>\n<p><strong>30 \u5929<\/strong>\uff1aAPR \u7d04 <strong>$82.19<\/strong>\uff1b\u6bcf\u65e5\u8907\u5229\u7d04 <strong>$82.52<\/strong>\uff08\u591a <strong>$0.33<\/strong>\uff09\u3002<\/p>\n<\/li>\n<\/ul><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"-vs-\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"8\" aria-controls=\"elementor-tab-content-8288\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">\u8907\u5229\u983b\u7387\u5f71\u97ff\u6709\u591a\u5927\uff08\u6bcf\u6708 vs \u6bcf\u65e5\uff09\uff1f<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-right\" viewBox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224.3 273l-136 136c-9.4 9.4-24.6 9.4-33.9 0l-22.6-22.6c-9.4-9.4-9.4-24.6 0-33.9l96.4-96.4-96.4-96.4c-9.4-9.4-9.4-24.6 0-33.9L54.3 103c9.4-9.4 24.6-9.4 33.9 0l136 136c9.5 9.4 9.5 24.6.1 34z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-8288\" class=\"eael-accordion-content clearfix\" data-tab=\"8\" aria-labelledby=\"-vs-\"><p><strong>\u4e00\u5e74\u671f\u5dee\u8ddd\u5176\u5be6\u4e0d\u5927\uff0c\u4f46\u6703\u6bd4\u4e0d\u8907\u5229\u591a\u4e00\u4e9b<\/strong>\u3002<br \/><strong>\u4f8b\u5b50\uff0810%\u3001$10,000 \u653e 1 \u5e74\uff09<\/strong>\uff1a<\/p>\n<ul>\n<li>\n<p><strong>\u4e0d\u8907\u5229\uff08APR \u53c3\u8003\uff09<\/strong>\uff1a$11,000<\/p>\n<\/li>\n<li>\n<p><strong>\u6bcf\u6708\u8907\u5229<\/strong>\uff1a$11,047.13<\/p>\n<\/li>\n<li>\n<p><strong>\u6bcf\u65e5\u8907\u5229<\/strong>\uff1a$11,051.56\uff08\u6bd4\u6bcf\u6708\u518d\u591a <strong>$4.43<\/strong>\uff09<\/p>\n<\/li>\n<\/ul><\/div>\n\t\t\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-209ff062 e-flex e-con-boxed e-con e-parent\" data-id=\"209ff062\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5eafd36b elementor-widget elementor-widget-image\" data-id=\"5eafd36b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/qubic.app\/download\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/i0.wp.com\/academy.qubic.app\/wp-content\/uploads\/2024\/12\/button-app-banner-ad.jpg?fit=1024%2C576&amp;ssl=1\" class=\"elementor-animation-pulse attachment-large size-large wp-image-4170\" alt=\"Qubic Web3 Wallet \u5f9e\u65b0\u624b\u5230\u5c08\u5bb6 \u966a\u4f60\u8f15\u9b06\u641e\u5b9a\u52a0\u5bc6\u8ca8\u5e63\u5927\u5c0f\u4e8b\" srcset=\"https:\/\/i0.wp.com\/academy.qubic.app\/wp-content\/uploads\/2024\/12\/button-app-banner-ad.jpg?w=1920&amp;ssl=1 1920w, https:\/\/i0.wp.com\/academy.qubic.app\/wp-content\/uploads\/2024\/12\/button-app-banner-ad.jpg?resize=300%2C169&amp;ssl=1 300w, https:\/\/i0.wp.com\/academy.qubic.app\/wp-content\/uploads\/2024\/12\/button-app-banner-ad.jpg?resize=1024%2C576&amp;ssl=1 1024w, https:\/\/i0.wp.com\/academy.qubic.app\/wp-content\/uploads\/2024\/12\/button-app-banner-ad.jpg?resize=768%2C432&amp;ssl=1 768w, https:\/\/i0.wp.com\/academy.qubic.app\/wp-content\/uploads\/2024\/12\/button-app-banner-ad.jpg?resize=1536%2C864&amp;ssl=1 1536w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" title=\"\">\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>APY \u662f\u4ec0\u9ebc\uff1f\u60f3\u77e5\u9053\u6536\u76ca\u7387\u5982\u4f55\u8a08\u7b97\uff1f\u672c\u6587\u8f15\u9b06\u89e3\u6790 APY \u8207 APR \u5dee\u7570\uff0c\u63ed\u79d8\u8907\u5229\u6548\u679c\uff0c\u52a9\u4f60\u4e86\u89e3\u600e\u9ebc\u53bb\u770b\u6295\u8cc7\u56de\u5831\u7387\u80cc\u5f8c\u7684\u6578\u64da\uff01\u65b0\u624b\u5fc5\u770b\u3002<\/p>\n","protected":false},"author":2,"featured_media":28735,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","_eb_attr":"","_wpcom_ai_launchpad_first_post":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[15],"tags":[30],"class_list":["post-1861","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-qubic-web3","tag-beginner-guide"],"blocksy_meta":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/academy.qubic.app\/wp-content\/uploads\/2024\/11\/APY-vs-APR.png?fit=1200%2C600&ssl=1","_links":{"self":[{"href":"https:\/\/academy.qubic.app\/wp-json\/wp\/v2\/posts\/1861","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/academy.qubic.app\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/academy.qubic.app\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/academy.qubic.app\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/academy.qubic.app\/wp-json\/wp\/v2\/comments?post=1861"}],"version-history":[{"count":102,"href":"https:\/\/academy.qubic.app\/wp-json\/wp\/v2\/posts\/1861\/revisions"}],"predecessor-version":[{"id":28741,"href":"https:\/\/academy.qubic.app\/wp-json\/wp\/v2\/posts\/1861\/revisions\/28741"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/academy.qubic.app\/wp-json\/wp\/v2\/media\/28735"}],"wp:attachment":[{"href":"https:\/\/academy.qubic.app\/wp-json\/wp\/v2\/media?parent=1861"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/academy.qubic.app\/wp-json\/wp\/v2\/categories?post=1861"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/academy.qubic.app\/wp-json\/wp\/v2\/tags?post=1861"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}