Crypto Flash Loans: Karɓi Rance Kuma Mayar Kafin Abincin Rana

Ka yi tunanin wani mai son crypto da bai yi sa'a ba, yana zaune cikin duhu, hasken shuɗiyar wutar jadawalin farashin da ke faɗuwa a kan allon kwamfutarsa da ƙarfe 3 na dare na haska shi. Kwalaben abubuwan sha na ƙarfafa jiki da babu komai a ciki da kuma tsare-tsaren da aka watsar cikin hanzari sun bazu a ɗakin yayin da yake shirin yanke shawara mai cike da rabo. Shirinsa mai ban mamaki, wanda zai iya mayar da shi attajirin biliyoyin kuɗi, ya shafi wani sabon doge-meme coin da aka gano kwanan nan mai yuwuwar samun ƙaruwa mara misaltuwa. A wani ɓangaren kuma, yana iya ƙirƙirar community token, tunda ya daɗe yana jin cewa duniya na bin sa bashin arzikin da zai wadaci zuriyoyi. Mafi yuwuwa ma, ya daɗe yana ziyartar gidajen caca na decentralized, ya shawo kansa cewa a wannan karon zurfin fahimtarsa kan yuwuwar lissafi zai ba shi damar shawo kan asarorin watanni da suka durƙusar da shi tare da lalata masa rayuwa.

Sakamakon haɗuwar wasu munanan yanayi da suka shafi wasu daga cikin mafi munin zaɓukan rayuwarsa ta ƙuruciya, a halin yanzu bashi da ko sisi. Bankunan da ke da manyan kofofin gilashi a yankinsa sun riga sun saba da guje masa daga nesa, saboda yana cike da basussukan katunan kuɗi masu tsadar ruwa kuma ƙimar darajarsa ta kashin kai ta faɗi ƙasa sosai. Abin da kawai yake buƙata shine dama ta ƙarshe guda ɗaya, rance na ƙarshe, don komawa fagen daga, don tabbatar wa masu kushe shi cewa sun yi kuskure. Idan ya gaza, mai yiwuwa mahaifinsa mai fushi a ƙarshe ya ja shi zuwa cibiyar farfaɗowa, ko kuma, mafi yuwuwa, tsananin rashin daɗin halin da yake ciki a yanzu zai tilasta masa barin sha'awar crypto ɗin tasa ya koma harkokinsa na yau da kullum da ainihin rayuwa. Amma ina! Mafitarsa, sabon flash loan, ko kuma dai kwatankwacin sa na retail, na yi masa ihu daga shafin bincikensa na intanet. Ba kamar masu ba da rance na zalunci da ya saba da su ba, wannan yana ba shi rance ba tare da tambayoyi ba, babu jingina, babu binciken darajar bashi. Sakamakon waɗannan yanayi, ƙarancin ruwan kashi 0.09 cikin ɗari da ke walƙiya a kan sabon flash loan ɗin da ƙyar ya tsaya masa a rai. Sabon decentralized roulette ɗin da ya ƙirƙira ba ya faɗuwa, ko kuma na'urar cloud-mining ɗin an tabbatar za ta biya kuɗin kanta a cikin 'yan kwanaki.

Abin da ke da alaƙa da mutane da halin yanzu shine sau da yawa ba sa son kasancewa a ciki. Suna so su bar inda suke a halin yanzu, zai fi kyau nan ba da daɗewa ba, su tafi zuwa wani zamani mai nisa inda duk basussukansu ba a biya su ba, amma aƙalla sun bar wannan takamaiman lokaci mai raɗaɗi da ƙuncin rayuwa. Yayin da suke hasashen wannan kwanan wata mai nisa inda za su shiga jirginsu mai zaman kansa, abin da suke gani a cikin tunaninsu a fili shine damar da ta dace kuma mara adalci don yin caca a kan kyakkyawar makoma a yanzu. Cikin burinsa na mallakar wannan makoma, mutum yakan yi watsi da haɗurran da ke tattare da hakan, duk da haka, masana'antar flash loan na da saurin yin amfani da wannan dama da aka hango. Kamfanoni a wannan masana'anta suna gabatar da kansu a matsayin fuska mai taimako da kirki ga caca ta crypto mai yuwuwar zama mai muni, suna bayyana kyawawan halayensu da ƙarfi a cikin hotunan talla (PR), suna shirya ƙasaitattun bukukuwa a Dubai, da kuma ɗaukar nauyin manyan tarurruka a Miami. Ba asiri ba ne kwata-kwata abin da waɗannan kamfanoni suke sanyawa a cikin kayan tallansu na hukuma na masana'antar, ko kuma dai wasu abubuwan da suka gaza sanyawa a wurin. Yaya amfanin irin wannan rance zai kasance a aikace ga wannan mai son crypto da bai yi sa'a ba, wanda shirinsa a fili ya gaza samun nasara? Yayin da yake tunanin gaza biyan rance mai ruwan zalunci, ya fahimci cewa akwai wata hanya mara tsauri: zai iya guduwa kawai daga wannan ɓangare na rayuwarsa, kuma watakila ba zai sake dawowa ba. A halin da ake ciki, cikin tsananin buƙatarsa ta wata sabuwar dama, masana'antar flash loan na shirye-shiryen cin gajiyarsa.

Rayuwa ba ta da adalci, kuma ba wannan bane karon farko da ɗan adam ya fuskanci hakan ba. Abin da ya shafi rance shine koda yaushe yana zuwa da farashi, kuma idan sharuɗɗan suka yi tsauri sosai, mai karɓar rance ba shi da wani zaɓi illa ya gudu daga gari. Wannan, tabbas, ba zaɓi bane ga kamfanin ba da rance, shi ya sa waɗannan kayayyaki sau da yawa suke ƙirƙirar ƙa'idojin hukunci masu sarƙaƙiya ga mutanen da suka gaza biya, sau da yawa suna amfani da haɗakar tattalin arziki da zamantakewa a matsayin matsin lamba. Tare da kyakkyawar fahimtar masana'antar a yanzu da abin da za ta iya bayarwa, yana bayyana a sarari cewa flash loans wani ɓangare ne kawai a cikin babban tsari mai faɗi. Kamfanonin da ke ciki ba koyaushe suke nuna gaskiya game da yadda suke gudanar da ayyukansu na ciki ba, musamman lokacin da mutane suka sanya hannu kan takaddun doka da suka shafi bayanan sirri masu muhimmanci. Don cikakkiyar fahimtar dama da haɗurra, ya zama dole a kalli masana'antar baki ɗaya, a kalli kamfanonin da ke ciki, da kuma ainihin abin da suke yi. Musamman ma, waɗanne ayyuka suke bayarwa ga mazauna ƙasashe daban-daban, kuma akwai wasu alfanu da ya kamata a yi la'akari da su?

Yadda Duniyar Samar da Ruwan Kuɗi Cikin Gaggawa Take

Don shiga ainihin batun kai tsaye, yana da mahimmanci a bambanta tsakanin ainihin technical flash loans da masu haɓakawa (developers) ke amfani da su da kuma ɓangaren retail. A ɓangaren ƙungiyoyi (institutional), flash loans wasu kayan aikin kuɗi ne masu sarƙaƙiya da protocols ke bayarwa ba tare da jingina a kan on-chain ba, inda aka wajabta wa mai karɓar rance ya mayar da rancen, tare da ƙaramin kuɗi (fee), a cikin block ɗaya. A lokacin cirewa, an kulle duka adadin, ba tare da an tura wani token zuwa asusun mai karɓar rance ba. A ɓangaren retail, ana amfani da kalmar flash loan sau da yawa don crypto loans marasa jingina da aka tsara don sauran jama'a. Idan aka kalli fitattun kamfanonin da ke ba da irin waɗannan ayyuka, yana da fa'ida a kalli sharuɗɗansu, jinginar da ake buƙata, da sakamakon gaza biya ga mutanen da suka gaza cika alkawurransu.

1. Aave da Ainihin Decentralized Flash Loan. Idan akwai kamfani da ke ɗauke da ainihin ruhin decentralization da kuma kololuwar sabbin abubuwa a crypto, wannan kamfanin shine Aave. Tare da ƙwaƙƙwaran tushe na fasaha, al'umma mai himma, da cikakkun kayan aiki a on-chain, yana bawa kowane developer da ya ƙware a fasaha damar ƙirƙirar rance tare da ruwan kuɗi mai canzawa mara iyaka, ba tare da binciken darajar bashi ko wata jingina ba kwata-kwata. Sai dai kuma, kuɗin aikin (fee) shine madaidaicin “ladan amfani” na kusan kashi 0.09 cikin ɗari. Don samun rance, babu buƙatar bayanan sirri na kashin kai. Ta yaya to suke tabbatar da cewa ba a gaza biya ba? Ba sa tabbatarwa, kuma wataƙila ba su damu da hakan ba. Duk wanda ya ƙware a fasaha har zai iya ƙirƙirar flash loan mai yiwuwa ba zai gaza biyan ƙaramin kuɗi na kashi 0.09 cikin ɗari ba. Idan kuma, developer ɗin ya zama ɗan damfara kuma ya ɓace tare da ajiyar kuɗaɗen, lambobin smart contract za su kwato dukkan kuɗaɗen cikin daidaito na lissafi, tunda babu wata mu'amala da ta taɓa faruwa a on-chain. Idan muka kalli abin da muhimmanci, flash loan kayan aiki ne na institutional arbitrage ga masu neman damammaki, wanda aka tsara don cin gajiyar bambancin farashi tsakanin musayar kuɗi (exchanges).

2. Divine Research da Biometric Payday Loan. Wannan kamfani yana aiki ne musamman a kasuwanni masu tasowa, yana ba da rance mara jingina ga waɗanda suka yanke ƙauna da masu cike da bege a Latin America, Africa, da Southeast Asia. Ana ba da rancen ne a cikin crypto amma galibi ƙanana ne, da ƙyar suke wuce ƙasa da $1000. Sharuɗɗan kuma suna da tsauri, daga kashi 20 zuwa 30 cikin ɗari na gajeren lokaci. Bugu da ƙari, babu buƙatar jingina ta al'ada. Saboda Divine Research sabon ɗan wasa ne a fagen, yana amfani da decentralized identity checks, kamar na'urar daukar hoton halittu ta World ID, wacce ke ɗaukar keɓaɓɓen tsarin idon mutum zuwa hash da ake amfani da shi don tantance asalin mutum a on-chain. Lokacin da mai rance ya gaza biya, Divine Research ba ya iya bin hanyoyin gargajiya, kamar shiga asusun kuɗin fiat ɗinsu. Maimakon haka, suna sanya World ID hash na wanda ya gaza biyan a jerin sunayen da aka haramta (blacklist) dindindin daga duk blockchains masu alaƙa, suna tabbatar da cewa wanda ya gaza biyan ba zai iya shiga cikin faɗin fannin DeFi ba.

3. 3Jane da Algorithmic Credit Line. 3Jane, wani kamfani ne da ke Amurka, wanda ya ƙware wajen ba da crypto loans marasa jingina ga “whales” na decentralized finance. Duk bayar da rance na atomatik ne, inda tsaron rancen ya dogara ne akan kimantawar algorithm game da martabar mutum a on-chain. Ba sa buƙatar jingina ta kashin kai, amma masu amfani dole ne su ba da cryptographic proof-of-ownership na kadarorin waje, su bi tsarin tantance asali, kuma a bincika ayyukansu na on-chain dalla-dalla don sanin cancantar bashi. Ƙimar ruwa tana bambanta tsakanin bayar da rance daban-daban, ya danganta da yuwuwar rashin biya da algorithm ɗin ya ƙididdige. Idan mai rance ya gaza biya, 3Jane ba ya amfani da hanyoyin da aka saba da su a masana'antar, kamar blacklisting. Maimakon haka, suna bincikar ayyukan on-chain, suna bin sawun motsin kadarorin da aka sace don sayar da su a centralized exchanges ta hanyoyin doka na gargajiya.

4. Nexo da Kayan Bashi na Gargajiya Mai Yawan Jingina (Overcollateralized Credit). Nexo yana ɗaya daga cikin manyan sunaye a wannan kasuwanci, yana aiki azaman sabis na crypto-lending na centralized wanda ke ba da rancen kuɗi cikin sauri tare da tsadar ruwa mai yawa don riƙon crypto a matsayin jingina.

Hanyoyin tantance abokin ciniki (Know-Your-Customer) nasu suna da sarƙaƙiya sosai, suna buƙatar katin shaida na gwamnati, takardar biyan kuɗin wuta ko ruwa na baya-bayan nan, da kuma ɗaukar hoto kai tsaye a kyamara don tabbatar da bayanan kashin kai. Ba sa buga cikakkun bayanai game da ƙimar ruwansu na kashin kai, amma yawanci rance yana farawa ne daga ƙimar lamba ɗaya mai ban sha'awa. A aikace kuwa, kuɗaɗen bambanci (spread fees), ajiyar kuɗin loyalty program, da sauran ƙarin abubuwa suna haɓaka ainihin ƙimar ruwan sosai. Rashin biyan kuɗin Nexo ba matsala ba ce ga kamfanin, saboda suna da ajiyar kadarorin crypto na mai rancen, waɗanda za a sayar a kasuwa idan ba a cika sharuɗɗan biya ba. Mai bayar da rancen yana samun riba mai yawa ta kowace hanya, yayin da mai rancen da ya gaza biya ke rasa kadarorinsa.

Ɓangaren Fasaha – Ruwan Kuɗi na Zalunci da Tilastawa Marar Kariya

Bayan an gano manyan 'yan wasa da kuma babban yanayin masana'antar flash loan, zai yiwu a kalli cikakkun bayanan fasaha na aikin. Musamman, zai yiwu a bincika yadda waɗannan kamfanoni ke magance waɗanda suka gaza biya da kuma zaɓukan da suke da su a cikin faffadan yanayin kuɗi. Game da ainihin amfani da flash loan ta hanyar masu arbitrage na ƙungiyoyi, barazanar rashin biya ba ta wanzu, tunda ainihin rancen bai taɓa sauya hannu a hukumance ba. Rancen wata ƙaramar ma'amala ce mai tsari a on-chain, wacce ke cike a cikin block guda ɗaya. Idan mai karɓar rance ya gaza mayarwa, dukkan ma'amalar ana mayar da ita baya da daidaito na lissafi, tunda babu wasu kadarori da suka taɓa shiga hannun wani. Rashin biya ba matsala ba ce ga masu samar da institutional flash loan.

Ga duk sauran kamfanonin, waɗanda ke ba da ayyukan retail ga masu rance na yau da kullun, lamarin ya fi rikitarwa. Yawancin waɗannan cibiyoyi suna da ɗimbin bayanai game da abokan cinikinsu da suka gaza biya, wanda ke ba su damar gina hanyoyin hasashe da ke ba da maki ga masu neman rance dangane da yuwuwar rashin biyansu. Kamfanonin da ke ba da waɗannan ayyukan wani ɓangare ne na taron jama'a (crowdsourced), suna kwashe haɗari daga sauran jama'a yayin da suke ɗaukar kaso mai tsoka na kuɗin ruwa don sauƙaƙe tsarin rancen. Tare da ƙaramin kaso na rashin biya, tsadar ruwa mai yawa, da manyan hukunce-hukuncen rashin biya, waɗannan kamfanoni na iya yin aiki cikin nasara a fagen hada-hadar kuɗi ta zalunci. A cikin rahotanninsu, kamfanonin na iya tattaunawa a fili game da manufofinsu na gaba ɗaya game da jinkirin biya, ƙimar rashin biya, da hanyoyin karɓar bashi. Suna aiki a tsakanin ƙimar rashin biya mai yawa sosai, har zuwa kashi 40 cikin ɗari na rancen farko marasa jingina ga masu rance da suka yanke ƙauna. Ƙimar ruwa ga masu rance a karon farko yakan wuce kashi 30 cikin ɗari, kuma kamfanin yana samun riba ne kawai daga mutane irin mai son crypto ɗinmu wanda ya biya rancensa da aminci. Ga waɗannan kamfanoni, ruwan kuɗi na zalunci shine jinin rayuwarsu, kuma waɗanda suka gaza biya damuwa ce kawai da ƙalubale ga ayyukansu.

Kwaɗayi, FOMO, da Kasuwancin Sayar da Bege

Kallon masana'antar flash loan ta hanyar sha'awoyin ɗan adam yana da fa'ida, domin sau da yawa yana taimakawa wajen raba hayaniya daga gaskiyar lamari. Mutanen da ke aiki a wannan fanni ba su damu sosai da gyara duniya ta zama wuri mafi kyau ba; abu ɗaya kawai suka damu da shi – neman kuɗi. Dukkan kamfanonin an gina su ne akan ƙa'ida ɗaya, wato amfani da yanayin crypto na decentralization da kuma rashin bayyana suna don cin gajiyar mutane da yawa gwargwadon iko. Shafukan yanar gizon su za su yi shelar sadaukarwarsu ga haɗin kan kuɗi a fili, amma a aikace, sun fi mayar da hankali kan ƙaramin ɓangare na al'umma, waɗanda suka yanke ƙauna da kuma masu kwaɗayi. Masu ba da rance mutane ne, don haka suna jin irin waɗannan sha'awoyi da tunani kamar kowa, kodayake akai-akai a kan sikelin da ya fi girma. Sau da yawa suna cike da jin tsoron a bar su a baya (FOMO), a matsayin wani buri da ba a cika ba na samun damar samun kuɗi ta hanyar amfani da halin yanke ƙauna na wani.

Masu ba da rance suna jin irin waɗannan sha'awoyi da tunani kamar kowa, kodayake akai-akai a kan sikelin da ya fi girma. Cikin burinsu na shiga cikin manyan motsin ruwan kuɗi, suna jin buƙatar yin amfani da kowace dama, kowace kusurwa, don cire ƙima da samun riba. Za su yi amfani da kowace dama don ba da rance, don sauƙaƙe motsin kuɗi daga wannan adireshin on-chain zuwa wani, don taimaka wa wani ya zuba jari a sabon memecoin. Babu shakka cewa tasirin FOMO sau da yawa ana ƙirƙira shi ne da gangan, yayin da dandamalin ba da rance suka san cewa masu karɓar rance suna da yuwuwar shiga cikin irin wannan hali. Sau da yawa ana tsara algorithms don ƙarfafa masu yanke ƙauna su nemi ruwan kuɗi, su karɓi rance, su zuba jari a cikin damar. Kamfanin yana da wasu zaɓuɓɓuka don samun kuɗi, amma sun zaɓi ba da rance na zalunci, inda za su iya samun ɗan riba daga mutane da yawa gwargwadon iko. Cikin tsananin son samun riba, masu ba da rance sukan yi watsi da ɗimbin masu gaza biya waɗanda ba za su taɓa biya ba. Suna so su sauƙaƙe motsin kuɗi, don taimaka wa masu bege da waɗanda suka yanke ƙauna su cika burinsu, amma tare da kwaɗayinsu da FOMO ke haifarwa, masu ba da rance sukan taimaka wajen janyo ainihin rashin biyan da suke da burin gujewa.

Tsoron Dokoki da Kalaman Tattalin Arziƙi na Gargajiya

Babban tambayar da ta shafi flash loans da crypto-lending na zalunci shine ko ya kamata gwamnati ta shiga ciki. Batun yana da sarƙaƙiya, tunda masana'antar flash loan tana wanzuwa a wani fanni mai duhu tsakanin ayyukan banki marasa lasisi da kuma laifuka na kai tsaye. A aikace, masu kula da dokoki a Amurka, Turai, da Asiya yanzu sun fara duba masana'antar dalla-dalla, suna ƙoƙarin saka code na decentralized cikin tsarin dokokin gargajiya. A lokaci guda, shiga tsakani cikin ƙarfi sau da yawa yakan haifar da tura dukkan masana'antar zuwa kasuwannin duhu marasa tsari, tare da rashin samun kariya ga masu amfani ko kaɗan.

Yana da sauƙi mutum ya fara sha'awar kwanakin farko na hada-hadar kuɗi ta al'ada. Masana'antar tana da tarihi mai tsawo da labarai masu ban sha'awa, tare da yawancin ayyukan ba da rance da aka fara a ƙarni na 17. Irin waɗannan matsalolin sun addabi kasuwannin da ba a tsara su ba, yayin da 'yan bashi masu karɓar ruwa da yawa (loan sharks) suka mamaye tattalin arziƙin. Ta wasu hanyoyi, masana'antar Flash loan da ayyukanta na zalunci suna tunatar da mutum game da London a ƙarni na 18, inda rancen ruwan yau da kullun marar kariya ya zama ruwan dare tsakanin matuƙan jirgin ruwa.

Yana kwaikwayon rikicin rashin biyan jinginar gidaje na 2008, yayin da bankunan Wall Street suka sani tun da wuri cewa masu karɓar rancen subprime ba za su iya biya ba amma suka ci gaba da ba da rancen duk da haka. Ayyukan ba da rance sun yi kama da na payday loans na zamani masu zalunci, inda waɗanda suka yanke ƙauna ke karɓar rance na ɗan gajeren lokaci tare da tsadar ruwa mai lambobi ɗaya masu yawa. Yana kama da garuruwan kamfanoni na gargajiya, inda ma'aikatan masana'anta ba su da damar yin amfani da kayan aikin kuɗi a wajen kamfanin, wanda ke kulle su cikin bashi na dindindin. Crypto ya kamata ya zama juyin juya hali, sabon abu mai canza tsari wanda zai kifar da tsarin kuɗi na gargajiya, amma ta hanyoyi da yawa, yana bin irin waɗannan halaye. Masana'antar na ci gaba da al'adun ba da rance na zalunci, riba mai yawa, da bautar bashi, sai dai a cikin tsari na na'ura mai ƙwaƙwalwa, na duniya, kuma mai sauƙin haɓakawa.

Kallon masana'antar flash loan ta wannan madubin tarihi, yana bayyana a sarari cewa masana'antar ba za ta canza halayenta ba kawai saboda tana aiki a kan crypto. Akwai kamanceceniya da yawa tsakanin kamfanonin flash loan na zamani da masu ba da rancen ruwa na baya, amma masana'antar flash loan tana da ƙarfin fasaha don haɓaka waɗannan ayyuka zuwa wani mataki mai ban mamaki. Yanke ƙaunar da ke haifar da waɗannan ayyukan yana da sauƙin cin gajiyarta, kuma fasahar ta dace sosai don sauƙaƙe motsin manyan kuɗaɗe tare da ƙarancin sa ido. Dangane da wannan, masana'antar wani ƙari ne na dabi'a ga tsarin kuɗi na al'ada, tana ɗaukar darasi daga baya don samar da sabbin abubuwa da sauya makoma.

Samun ribar flash loans na iya zama batu mai wuyar tattaunawa, saboda batun yana cike da sarƙaƙiyar fasaha da siyasa. Don bincika shi ba tare da nuna son kai ba, ya zama dole a ɗauki hanyar dogaro da zahiri, mai mayar da hankali kan hujjoji, ba zato ba. Manyan 'yan wasa na ƙungiyoyi, waɗanda ke sauƙaƙe ainihin flash loans a madadin developers, suna samun riba mai ban mamaki. Dukkan wanzuwarsu ta dogara ne akan sauƙaƙe manyan damammaki na institutional arbitrage, kuma suna samun ƙananan kuɗaɗe a kowace mu'amala da ta shafi biliyoyin daloli a kowace rana a kan blockchain. Yana da wuya a musanta cewa ribar da ake samu wajen sauƙaƙe irin waɗannan ma'amaloli tana da yawa, amma fa sauran kamfanonin? Waɗanda ke sauƙaƙe ayyukan ba da rance na zalunci ta hanyar ba da rance marar jingina ga masu son crypto da suka yanke ƙauna? Ribar su batu ne mai cike da jayayya, ya danganta da wanda ka tambaya. A gefe guda, kamfanonin suna ɗaukar babban kaso na ƙimar ruwa, kuma tare da ƙimar rashin biya har zuwa kashi 40 cikin ɗari akan rance na farko, samun ribar irin waɗannan ayyuka yana zama cikin shakku sosai. Tare da jinkirin biya da rashin biya, ribar da kamfanin ke tsammani da ƙyar take wuce hauhawar farashin kaya. A gefe guda kuma, masu zuba jari da ke ba da kuɗin gudanar da ayyukan suna neman kuɗin shiga ne kawai abin dogaro, kuma shugabannin kamfanonin, waɗanda ke biyan kuɗin rayuwarsu ta jin daɗi da babban kaso na ribar, sun yi imanin cewa sun ƙware a harkar ba da rance na zalunci. A ƙarshe, komai ya dogara ne akan ra'ayin ko sauƙaƙe irin waɗannan ma'amaloli yana sa waɗannan kamfanoni su sami riba.

Irin wannan darasi ya shafi ɓangaren yau da kullun na crypto finance: kafin neman leverage, arbitrage, ko cinikin ban mu'ujiza, ka san ainihin abin da sauƙaƙan tura kuɗi zai ci. An gina USDT Transfer Calculator na Netts don wannan lissafi marar hayaniya amma mai amfani. Yana duba adireshin TRON mai aikawa da mai karɓa, yana ƙididdige Energy da Bandwidth da ake buƙata don tura TRC20 USDT, kuma yana nuna dalilin da yasa aika kuɗi zuwa adireshin da bashi da ma'aunin USDT zai iya cin kuɗi fiye da aika wa wanda ya riga ya riƙe USDT. A cikin bayanan misali, ƙone TRX na iya cin kusan 13.84 TRX lokacin da mai karɓa yana da USDT da 27.70 TRX lokacin da mai karɓa ba shi da ko ɗaya, yayin da yin hayan Energy na iya rage kuɗin zuwa kusan 2-3 TRX ko 4-5 TRX. Idan kuna ƙoƙarin lissafin kudin USDT fee, nemo mafi ƙarancin USDT fee, ko kwatanta USDT fees kafin tura kuɗi, wannan shine irin kalkuleta da ya kamata a yi amfani da ita kafin ciniki, ba bayan an yi nadama ba.