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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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/ T5 Y! u% p' A; n$ O# w3 ^6 L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
/ q' H) X# t: Q. E* R; E% ^3 r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: @( A8 Y6 w- g$ t$ P: L6 [: {
面的发展。; p/ j5 ~( `8 a! f% b
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! L# ?7 ?# n* v/ U* ^% W
据，链上信贷总额已达到5.82亿美元，较去年同期增长了128%。
' G4 l# L8 Q# k链上信贷利率低于传统金融贷款/ y. o# m( G0 L# q, c7 e
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
1 G" t- c) |! D/ s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。
. E8 V2 u, p/ ~! n7 w& b& F0 `2 X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9 d8 J Q) L0 j/ F& E, U
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 I, X8 @ K' R( r美元的活跃信贷位居第二和第三。$ X5 @, r) j: o3 z7 K
链上信贷的最大需求者是消费者
c9 @% L7 }4 @1 k' s, N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) B$ v7 R6 I9 M7 [' `/ ^: A
元)，其次是金融科技、房地产、碳信用和加密货币交易行业。
; `- f) V7 a6 U# @0 U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
7 K; K/ y( P6 m. M0.36%。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。
$ W3 o& C+ v0 @$ R% [链上信贷市场从CeFi危机到RWA转机
9 {0 O7 T% r0 \6 T8 a1 Q1 y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、5 z5 H ~: K4 U: ^9 X+ i
BlockTower等，使得2022年6月链上信贷峰值达到15亿美元。6 B; {3 @2 c) q* O6 e
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+ t _# y6 a$ Z; p9 A+ J* r {
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/ [3 }( T+ p4 U2 D
崩溃使Maple遭受3600万美元的坏账。. _! f! l. @0 g9 l* o- u6 J
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/ q+ v" Y* U# r# u
龙头，而Goldfinch则稳定发展。* T1 A8 ^: [) Y5 E( ?
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 G/ Q1 M0 u' p9 p8 Y! J* ~2 b
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
. Y' ?4 P. K/ x/ `! d& U: k+ Y亿美元，成为链上信用贷款最大的协议。4 } Y! m3 H, w* s8 c8 M5 n
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
& b. ^- C Y4 Y* w) T以及其他安全风险。
9 A# I, M. V3 p, s1 G% e7 t+ k3 }1 C, T
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