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[lastpost] => 2751619 两年来首次,以太坊交易资金超过比特币(转) 1753345227 stareshiny
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[虚拟币交流]
RWA爆发!链上信贷市场总额上冲5.82亿美元年增率达128%(18日转)
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3 M `/ D0 M" ^
今年,通过代币化将更多实体资产上链的RWA叙事是一大趋势,包括房地产、美国国5 w6 M! ]$ [ y
债和黄金等,这些资产可作为抵押物使用,Centrifuge、Maple Finance(Maple)和Goldfinch等协议致力于这方8 O8 Z: f0 t* p! p* E
面的发展。6 @3 D- f# T1 {6 X/ ?+ y
与此同时,因为CeFi暴雷而陷入坏账危机的链上信用借贷市场,也借助RWA叙事出现转机。根据RWA.xyz最新数. {5 H% G2 |8 f+ |( x
据,链上信贷总额已达到5.82亿美元,较去年同期增长了128%。8 D) l. B5 m0 q8 F
链上信贷利率低于传统金融贷款
3 D3 }6 I0 x& `$ u, A* A# z这种复苏可能表明,在近期利率上升的情况下,贷款者越来越倾向于寻找以区块链为基础的替代传统金融借贷方2 D1 O& A/ s9 { F" r" _
案。链上信贷的平均年利率目前为9.65%,相对于传统金融贷款的5.75%至11.91%,更具吸引力。
/ m& `: V- e% z以以太坊为基础的Centrifuge在当前活跃信贷市场中占据主导地位,占比超过43%,其活跃信贷总额已从2023年2 x7 p2 {& i; q. }$ Q
初的8,400万美元增长到约2.55亿美元,增长率达203%。此外,Goldfinch和Maple分别以1.43亿美元和1.03亿
' d0 X/ B: l% A% B$ \9 B$ A8 [美元的活跃信贷位居第二和第三。: x: Z" O$ S4 _) [/ @2 u0 U' \$ A& c
链上信贷的最大需求者是消费者
! w7 ?! y7 a8 \' |2 F另外,RWA.xyz平台的信息进一步指出,链上信贷最大的需求者是消费者(1.977亿美元)和汽车行业(1.868亿美8 p: A, {4 Z7 C' }* C4 R
元),其次是金融科技、房地产、碳信用和加密货币交易行业。* K U& b9 H1 p. Y; N
然而,尽管这一年有上升趋势,但链上私人信贷市场的5.82亿美元总额仅占传统私人信贷市场1.6兆美元规模的/ a* _ m3 A5 x3 N5 Q4 A9 y& s: J" ]
0.36%。不过,也不可忽视当前的增长势头,这可能表明链上信贷市场具有进一步扩张的潜力。
0 ?7 `, g9 m2 c+ C* g' n2 t1 M链上信贷市场从CeFi危机到RWA转机- F+ n2 [7 J, Q: v
过去,低抵押或无抵押的链上信贷模式吸引了许多机构客户参与,例如Alameda Research、Wintermute、1 e) }: m! F7 u
BlockTower等,使得2022年6月链上信贷峰值达到15亿美元。
3 L1 M7 k- V% O2 x( `* F! h然而,随着加密市场的深度熊市、DeFi的流动性不足,以及CeFi的危机,代表性的机构借贷协议如Maple和
2 J7 ?0 f! A" c V2 f5 M: eTrueFi遭遇大量违约。特别是在Terra和三箭资本的事件后,Maple面临1000万美元的流动性挑战。此外,FTX的+ O" ]- Z" K$ T( U, v% W( Z
崩溃使Maple遭受3600万美元的坏账。
! `* m! p$ a) P. P- P: i; }2 r到了今年,随着RWA叙事的兴起,链上借贷领域出现转机。Centrifuge迅速增长,超过Maple成为信贷领域的新! F: r- x- J. I7 c& N9 B
龙头,而Goldfinch则稳定发展。4 [) A1 M1 t/ K. \
Maple拓展了实体资产抵押和超额抵押模式,并于4月推出链上美债借贷池,重启Solana上的借贷池。到年底,4 z E9 r% o2 e# y3 F" a
Maple的活跃贷款增至近1.03亿美元。与此同时,在MakerDAO的助推下,Centrifuge的活跃贷款增至超过2.55
& t* t! \, a+ q0 |1 B; u亿美元,成为链上信用贷款最大的协议。
1 L5 S8 r* |, H0 y9 J! G& t然而,也不可忽视从基于区块链的协议中获得贷款的风险,借款人在借款前应该仔细考虑破产、抵押、智能合约
+ g6 ~* d* \* e以及其他安全风险。
. M* I' a* x3 O; b' z% {: B% l. z) X6 X9 b1 E* R: ^4 ]
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