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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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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
& v7 j; X$ g: x9 |9 N0 K B6 ]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
2 W Z1 ]1 [9 v6 P* |面的发展。
. M8 j8 V; Q$ z6 V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- @ B m3 |7 H6 h: s0 J9 C
据，链上信贷总额已达到5.82亿美元，较去年同期增长了128%。+ `: R. j; H8 z9 T' x; i* a
链上信贷利率低于传统金融贷款/ A4 }0 {/ p, B U8 u3 A
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
" h' [2 t C6 o- C3 {0 [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。1 _5 G/ W( l8 ?! g9 W3 e9 t
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
' Q) B* [8 M( y3 h! U. c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
9 u4 ^, V2 b7 Z美元的活跃信贷位居第二和第三。% L- R+ ~$ O a
链上信贷的最大需求者是消费者
" q' X7 K; f y; g* H9 D& U! L6 Q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
( y, D" q) [" _; h5 j2 T% o0 H元)，其次是金融科技、房地产、碳信用和加密货币交易行业。3 J( Y( K& H4 ^# R. _# C* T- @! a
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 u+ n6 r5 W- f6 m2 ^* h
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 j7 v9 O; D2 P4 N4 k
链上信贷市场从CeFi危机到RWA转机
3 }4 q5 }3 e" s$ {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、+ p- N4 \; e( _) X7 Z" T& x' R+ B
BlockTower等，使得2022年6月链上信贷峰值达到15亿美元。8 X4 A& P- K, ]& V) |4 g
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
# c' ]3 m" W. ZTrueFi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( I/ e: z9 a- f3 c1 T" R) \
崩溃使Maple遭受3600万美元的坏账。+ W4 W+ i% H+ n+ T1 f0 f0 w
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
7 u; ^& r/ W e+ G龙头，而Goldfinch则稳定发展。
% s! f4 D& O/ L/ ~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，/ ?( v) d2 a& C' x
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
! w* t# v; }1 w0 y亿美元，成为链上信用贷款最大的协议。
3 p* h5 _1 a+ l. \' G3 R q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9 i5 ^! t9 b# j6 h% \ N
以及其他安全风险。
( v8 h% D+ u* ^2 e2 i* s" u( F* H. Q4 t
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