Dervay amûrekî darayî ye ku nirxa wê ji bihaya maleke bingehîn an komek malan, wekî paqij, bercav, kelûpel, pereyî, an faîzê, tê derxistin. Dervay bi gelemperî ji bo sûretkirina xetereyên, spekulasyona li ser tevgerên bihayê, an zêdekirina lîkîdîteyê li bazarên darayî tên bikaranîn.
Cureyên herî gelemperî yên dervayan di nav de pêşeroj, vebijark, guhertin û peymanen pêşde ne. Van amûran destûrê didin bazirganvan û veberhêneran ku gihîştinê li guherandinên bihayê di mala bingehîn de bidest bixin bêyî ku rasterast xwedî bikin.
Em dizanin ku mişteriyên cûda hewceyên cûda hene. Ji ber vê yekê, em ji bo hilbijartinê rêzeke fireh a platformên pêbawer û xelat-wergirtî û celebên hesaban pêşkêş dikin.
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