Blockchain-Based Private Loan Sees Revival Amid Crypto Turbulence
基于区块链的私人贷款在加密货币动荡中复苏
发布: 2023/12/18 14:44 阅读: 595
A surprising resurgence is witnessed in the realm of blockchain-based private loans amid the ongoing turbulent scenario in the cryptocurrency market. Meanwhile, the companies, seeking refuge from the soaring interest rates, are turning their focus to digital ledgers, fostering a 55% surge in active private loans since the year’s commencement, totaling around $408 million by November 28, according to RWA.xyz.
在加密货币市场持续动荡的情况下，基于区块链的私人贷款领域出现了令人惊讶的复苏。与此同时，根据 RWA.xyz 的数据，为了躲避不断飙升的利率，这些公司正在将重点转向数字账本，自今年年初以来，活跃私人贷款激增 55%，截至 11 月 28 日，贷款总额约为 4.08 亿美元。
Notably, this revival, albeit shy of last year’s peak, unfolds against a traditional private credit market valued at $1.6 trillion. Here’s a closer look at how blockchain lending is staging a comeback and the market sentiment steering this shift.
值得注意的是，尽管低于去年的峰值，但这种复苏是在价值 1.6 万亿美元的传统私人信贷市场上展开的。以下是区块链贷款如何卷土重来以及市场情绪引导这一转变的详细分析。
Blockchain Lending Gains Momentum
区块链贷款势头强劲
Despite a challenging year for digital assets, blockchain-based private credit is experiencing a revival, with active loans surpassing $408 million in 2023. Noteworthy is the transparency and efficiency offered by blockchain protocols, such as Centrifuge, Maple Finance, and Goldfinch.
尽管数字资产面临着充满挑战的一年，但基于区块链的私人信贷正在复苏，2023 年活跃贷款将超过 4.08 亿美元。值得注意的是 Centrifuge、Maple Finance 和 Goldfinch 等区块链协议提供的透明度和效率。
Meanwhile, these platforms leverage Ethereum and stablecoins like USDC, providing borrowers access to funds through smart contracts. Notably, Agost Makszin from Lendary (Asia) Capital believes that the enhanced transparency and liquidation mechanisms on the blockchain have effectively mitigated lending risks, according to a Bloomberg report.
与此同时，这些平台利用以太坊和 USDC 等稳定币，为借款人提供通过智能合约获得资金的渠道。值得注意的是，据彭博社报道，Lendary (Asia) Capital 的 Agost Makszin 认为，区块链增强的透明度和清算机制有效降低了借贷风险。
In addition, champions of digital ledgers emphasize the advantages, with Maple Finance’s co-founder, Sidney Powell, suggesting plans to utilize blockchain and smart contracts for loan management, cost reduction, and faster funding, aiming to gain a competitive advantage. This comes as traditional private credit faces criticism for its opacity, and the blockchain version proves to be swifter and more transparent in managing loans.
此外，数字账本的拥护者强调了数字账本的优势，Maple Finance 的联合创始人 Sidney Powell 建议计划利用区块链和智能合约进行贷款管理、降低成本和更快的融资，旨在获得竞争优势。在此之际，传统私人信贷因其不透明性而受到批评，而区块链版本在管理贷款方面被证明更快、更透明。
Also Read: Bitcoin, Pepe Coin Tumble As HNT Takes The Lead
另请阅读：HNT 领先，比特币、佩佩币暴跌
Market Sentiment and Crypto Rollercoaster
市场情绪和加密货币过山车
While blockchain lending gains ground, the broader crypto market faces volatility, marked by a recent downturn after a significant rally. Notably, the recent slump has contributed to investors engaging in profit booking post-rally, triggered by anticipation of a Bitcoin Spot ETF approval and optimism surrounding the Bitcoin Halving event.
尽管区块链借贷取得进展，但更广泛的加密货币市场面临波动，其特点是近期在大幅上涨后出现低迷。值得注意的是，由于对比特币现货 ETF 获得批准的预期以及围绕比特币减半事件的乐观情绪，最近的暴跌促使投资者在反弹后获利了结。
In addition, the Federal Reserve’s dovish stance, keeping interest rates unchanged and signaling potential rate cuts in 2024, initially boosted investor confidence, contributing to the recent crypto surge. However, the market’s retreat indicates that challenges persist, and the sector grapples with its tarnished reputation.
此外，美联储维持利率不变并暗示可能在 2024 年降息的鸽派立场最初提振了投资者信心，推动了近期加密货币的飙升。然而，市场的回落表明挑战仍然存在，该行业正在努力应对其声誉受损的问题。
Meanwhile, as blockchain-based private lending charts a recovery path, the article explores the contrast with traditional finance and the role of transparency in reshaping the lending landscape. Amid the crypto market’s ebbs and flows, it remains to be seen whether blockchain lending can establish itself as a robust alternative in the financial realm.
与此同时，随着基于区块链的民间借贷描绘了复苏之路，本文探讨了与传统金融的对比以及透明度在重塑借贷格局中的作用。在加密货币市场的潮起潮落中，区块链借贷能否成为金融领域的强大替代方案还有待观察。
Also Read: Veteran Investor Shifts Bitcoin (BTC) Price Forecast From $100K To $200K
另请阅读：资深投资者将比特币 (BTC) 价格预测从 10 万美元调整为 20 万美元
The post Blockchain-Based Private Loan Sees Revival Amid Crypto Turbulence appeared first on CoinGape.
《基于区块链的私人贷款在加密货币动荡中复苏》一文首先出现在 CoinGape 上。
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