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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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+ o% Z- _2 w" i. ^! w; X* J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 G* L: W1 E8 B" [5 L
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6 n* k- q& d) }4 [/ e0 H
面的发展。
) m9 a* e3 Z9 R+ ]. @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, g- b; S i' o2 x$ l! n- o
据，链上信贷总额已达到5.82亿美元，较去年同期增长了128%。
0 }1 w- V0 q% U; y! m( l2 K链上信贷利率低于传统金融贷款
/ E6 S2 p& @$ @. \( u; m4 b# U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9 ]7 E# M) _1 [( O0 ~, B, g' [( o
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。! F4 h) W. G3 z7 p& q# x8 |, T4 c G
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4 D& N; d3 J# J" w2 E. V h$ v
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( {- B+ F+ T# n2 \1 k, y Y
美元的活跃信贷位居第二和第三。( m1 C, R* N3 ^3 y+ A
链上信贷的最大需求者是消费者 X4 M6 J% x S! S3 D4 `7 G" D1 c
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; S9 O: ]3 B/ J
元)，其次是金融科技、房地产、碳信用和加密货币交易行业。5 J/ j/ t- ?7 @! s, A( J u O
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
) D9 f, z7 ]4 j! Y1 `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。4 k. w" h1 f6 z8 [4 Q; A/ p* b
链上信贷市场从CeFi危机到RWA转机
3 }7 C5 t- o! z4 G3 O5 C3 @# C% k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 r8 ^( g/ | w1 U
BlockTower等，使得2022年6月链上信贷峰值达到15亿美元。' V* r& N& @& G4 w$ N, H
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- g* V: ?+ G* j1 { \
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: J9 { A0 L5 l; F! {5 A
崩溃使Maple遭受3600万美元的坏账。2 C& N- L0 f; k
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
. L8 f5 q6 k6 c+ `4 Y: A* Y2 b龙头，而Goldfinch则稳定发展。$ A0 @& a. U! ~' V
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，+ a/ r9 T" S' {5 s
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
* u2 C" S% o. m& C5 w亿美元，成为链上信用贷款最大的协议。
# o( r8 t2 l; C, j2 j9 `' Y8 u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8 r$ K8 m' W- V, w6 Y
以及其他安全风险。. B4 z; X. P2 c/ q$ l
4 _/ J2 u8 W/ d B) u |
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