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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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4 `! |. q; o. B8 |+ N6 ]# }
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, |. D" m b0 v, }# i0 j- i
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
, a& E' A; ?$ F面的发展。$ D2 }$ }2 H$ n; q e
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0 {( U3 f8 V5 `
据，链上信贷总额已达到5.82亿美元，较去年同期增长了128%。
. D% q8 S" O- z1 |' E _6 `- P/ K链上信贷利率低于传统金融贷款
3 [: t7 k2 G* L' P8 o: q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
$ G4 r' x# [* Q# B! \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。
; x, G/ ~) ` b2 g* Y0 D! ]9 `' V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! D9 z# J+ J& F5 N* y
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
7 ?& b2 i9 P8 |6 G' t美元的活跃信贷位居第二和第三。9 [' H, u) X$ \ p, h G" ?" t
链上信贷的最大需求者是消费者
, Z7 [, d) w& F& t1 Y. E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
- v; G9 {( L6 P2 q1 \1 u元)，其次是金融科技、房地产、碳信用和加密货币交易行业。: T' t9 G, D% T/ x7 m( C
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* @) ?* J! D( B
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。" H. G' I4 ]; x t' b/ o
链上信贷市场从CeFi危机到RWA转机4 E, `/ x( Q9 S9 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、
# ]+ z& H9 F3 W) VBlockTower等，使得2022年6月链上信贷峰值达到15亿美元。* [+ Y, A# X2 v& |0 W0 r
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1 i0 U) K( l3 H! g l- W5 v0 g0 {- z
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
7 o9 U" \& g) I3 ]. p崩溃使Maple遭受3600万美元的坏账。
6 Z* u2 ]8 o, r3 C3 F9 g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
5 C+ a; t8 l7 B+ F$ X龙头，而Goldfinch则稳定发展。
. C* v* u0 l, U3 UMaple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，. Y1 e8 O; r& j
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
5 Y U9 f/ t) X+ K亿美元，成为链上信用贷款最大的协议。
& J7 J) ^' ?! K: [1 K2 f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$ q3 v3 w# d7 `. [* L+ O5 ?2 a
以及其他安全风险。/ A2 c" k% E) E0 g
# u( W( e& u% d! O( b5 i, } |
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