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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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( M( H8 |# K; m Z) T1 n+ {3 `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
! l) t, h% M$ Z. n+ P9 u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, m2 b1 |8 `" c5 h' _. G
面的发展。. y- F- f! e; [ p5 {
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
: H0 ^7 I7 k! r% {3 u& 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%。
7 i2 M# U/ T7 s! m0 ?0 l+ u' M }0 P* p" x链上信贷利率低于传统金融贷款
1 e9 C; P4 P+ v! O5 O' y; X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
! X6 q5 |, C& w' ]: P0 Q1 T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。0 X7 Y! N3 {, K0 ?, P9 [4 Z% K1 {7 Q
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
. [, m3 k# U. {" S& j- n6 e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1.03亿3 N! s/ t! m) P: R- X/ B4 G9 V
美元的活跃信贷位居第二和第三。# O: X' h4 o. F% z* z0 o# p7 g9 c
链上信贷的最大需求者是消费者& ]) w: o! F! [! A+ j0 Q5 U0 A
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
& f5 B6 q/ {$ c% }5 F0 a元)，其次是金融科技、房地产、碳信用和加密货币交易行业。
4 X) O( C; x, L+ b6 d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9 ^4 [7 S1 t j$ W
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。7 ]7 ]8 @& C: H! m9 r( \& w& D8 k
链上信贷市场从CeFi危机到RWA转机# U# c* I2 m5 ]8 e
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、- W5 y6 \4 K8 ^8 f
BlockTower等，使得2022年6月链上信贷峰值达到15亿美元。" Y3 Z3 Z- P8 V6 K
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
9 E# [9 L) k. lTrueFi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
) R& N/ H4 S2 ]4 n5 M6 l) ^ |崩溃使Maple遭受3600万美元的坏账。8 h0 {% C0 H0 a; a1 \
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9 W3 k1 p* q) U& h+ X# K# | ^
龙头，而Goldfinch则稳定发展。7 K( R- g, X! [' \9 i" e5 f
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，
) J0 v" I$ u' _8 b* s8 A$ C' E1 sMaple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; ^/ K* z. x* d5 S
亿美元，成为链上信用贷款最大的协议。
6 y! x9 A! S% S' f' [, c; k( l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
" V* F% e7 z! R6 D5 v0 z以及其他安全风险。' Y5 p' I* @0 q- [/ \" {2 h
O, H7 q+ g, I6 J$ t6 l
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