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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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8 s1 d' U4 l0 T3 A, {/ Z" o
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
8 Y. G* T9 b2 G, ?5 l* r+ O* N/ L$ 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( h9 q: ]8 A& K s2 `# j& }0 r
面的发展。
3 J/ v/ l1 t4 f" f: b7 g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% @, ]! a; M5 d. K$ g- A( J
据，链上信贷总额已达到5.82亿美元，较去年同期增长了128%。6 V- ]" v9 o. _; ?) m* N3 H" t3 c
链上信贷利率低于传统金融贷款
% U: j4 r% J8 D+ O: B8 o+ a" C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
; ?8 z+ P3 w; p" k( F7 H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 C; O& E1 O- L' g: z: J. A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
1 E( D* z7 a. P( I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1.03亿6 j5 g2 _0 m6 q x5 J/ @
美元的活跃信贷位居第二和第三。
5 s$ R/ k/ n' |! b# `! [8 C链上信贷的最大需求者是消费者" I( n* L, n5 X1 w# 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
& K4 K" j7 X9 \4 L+ C) T+ e' Q4 h1 o! J6 G元)，其次是金融科技、房地产、碳信用和加密货币交易行业。
\. x$ d' y! n" s: w1 X4 ` \7 ~5 S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
. Z9 b, T9 I* y) ^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。) }8 e/ X- l: B2 K9 |7 ?6 D
链上信贷市场从CeFi危机到RWA转机
& y3 Q% @+ m- {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、
/ ]% F0 f3 o; _/ y& g7 TBlockTower等，使得2022年6月链上信贷峰值达到15亿美元。" j; ^$ N# r$ }% R3 I8 P/ A
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
5 |, H$ |- m; J, V. ~. L% cTrueFi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 J( N( G" }) v- H* \5 Y
崩溃使Maple遭受3600万美元的坏账。0 m" |' S2 S- d
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; ]* Y3 K8 V$ Z- f0 N8 P+ y
龙头，而Goldfinch则稳定发展。
9 S% }, V6 @5 T. q3 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，
* {+ ]" m* m9 F4 @, M, Q4 y; zMaple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% ^* o' E) Y. g
亿美元，成为链上信用贷款最大的协议。* l! \% X3 X( ]1 o7 Q' l8 ?3 c8 G( E6 B
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
6 n# }) A/ s) Q% u以及其他安全风险。1 u# L+ H% ~/ M K5 c2 \. _! ?
^8 K" ^; C2 [. }) S
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