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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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+ _8 v1 _: r' l8 p. `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0 g8 w& t3 o/ j( E4 K8 j
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
, y0 U+ H% i( X: B+ D. n面的发展。& f) [! F M! R# C
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
8 V g5 m/ |7 b据，链上信贷总额已达到5.82亿美元，较去年同期增长了128%。$ h" m( D* t# N0 T: z9 D8 j+ y
链上信贷利率低于传统金融贷款) M& b6 H* h4 v- J) [: O3 a( M2 J
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
: t% u$ @ ?1 _4 _( j; I% F: K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。4 S) o9 U9 [; m/ E( \
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: \7 n" }: J; H/ B% |! k: \
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
0 B6 C" V: H8 s- w% p r美元的活跃信贷位居第二和第三。) Z9 A9 F3 \' x8 }0 f' P$ I: N0 @- Q
链上信贷的最大需求者是消费者' l; i! ^* O# e* s5 O5 ?3 i
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+ c O2 f" k7 h" W% G/ y& c w
元)，其次是金融科技、房地产、碳信用和加密货币交易行业。9 {0 |# u+ g" c" J. c5 s
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, C) l4 ~5 X R$ S, h/ j# L9 y
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。% x0 N0 B& }+ i! B. V! p4 ]
链上信贷市场从CeFi危机到RWA转机. I, i4 `& n; o$ A- h) I' l7 i/ }
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、
& `0 D7 q5 H- j, l/ nBlockTower等，使得2022年6月链上信贷峰值达到15亿美元。" v" Q& s$ \$ _/ f* d1 z
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7 }9 W/ a7 O9 H7 }3 J2 F
TrueFi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
" l) ?8 ^/ y! O* c: t崩溃使Maple遭受3600万美元的坏账。
) R5 B8 v9 k0 ~( J9 T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2 Y9 j+ ?. A: g% u5 y
龙头，而Goldfinch则稳定发展。& ]! ]9 ]8 t# e0 {0 V
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，5 I. H" H6 b5 d4 Q3 _2 B# ^* e
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2.557 V4 u% c2 t6 \
亿美元，成为链上信用贷款最大的协议。( V# `: N* l+ W0 I
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/ s8 g) N1 v* k* i
以及其他安全风险。
: Z; S$ `2 f1 i7 g2 {. X) {! O. H2 ]! M4 \9 @8 ?9 u
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