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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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$ n, J9 V* g$ m. j" `! 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
3 X* j2 r9 h6 L; 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
x# W( A( T9 k5 f% Y, h面的发展。8 `8 k4 g8 B0 _
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" i% d$ F: }( m. ]' o: e& r
据,链上信贷总额已达到5.82亿美元,较去年同期增长了128%。) }4 e# I; W) {- Y0 ?
链上信贷利率低于传统金融贷款) C0 ]4 n! Y' K
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
) A4 [* Q1 f$ m! S/ `2 I2 ^3 L7 d2 A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。
6 J" j J& X, O7 N1 m& `5 m3 k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
3 G1 h; G/ G1 v1 }4 F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
8 E' C; U9 f( m$ a- f! e5 g美元的活跃信贷位居第二和第三。# h j1 V) r9 D) M% S, x( V
链上信贷的最大需求者是消费者
& u5 Q' `; d" u+ O: W' T; a2 k! K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
" |( F$ l2 V1 M6 G: T" o1 U/ L元),其次是金融科技、房地产、碳信用和加密货币交易行业。0 \5 ~9 ]$ ~- n9 \ E
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# e6 H, ?( M* D, X' q
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。, m f/ p! \8 i. Y8 f
链上信贷市场从CeFi危机到RWA转机5 r! N) ?, S$ q J. C
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、
7 i6 m z% L8 [7 f- ?( y ^; c3 w! tBlockTower等,使得2022年6月链上信贷峰值达到15亿美元。
5 e, N' ]8 ?7 U# H* ]4 e3 P' a0 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
& v; x7 R4 s/ {# L: q) mTrueFi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+ d! p0 f5 ~* Z; K
崩溃使Maple遭受3600万美元的坏账。
1 h N6 ^' z) l/ ~0 X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
( F1 ^$ `4 A* N. t$ [: U龙头,而Goldfinch则稳定发展。; I# o O { n; n8 R! Z5 D
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,* Y0 A: F/ ]+ ^
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
6 M/ z$ J4 n/ j& ~" S9 H/ ^亿美元,成为链上信用贷款最大的协议。1 _ A" @+ L; C- R f/ K
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* C. t0 e) O' s1 a9 L
以及其他安全风险。2 N$ M6 f Z& E9 R! H2 S
9 N9 @+ j6 I& C* \& ~ |
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