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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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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 W: Z; s: P- P! 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4 n9 s& m0 U1 M1 L
面的发展。/ ~* ~5 f+ D& M, W) ^
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
" t) _6 I+ L; k据，链上信贷总额已达到5.82亿美元，较去年同期增长了128%。/ B0 s8 C2 O& T6 b3 L) J+ w; E- x1 B
链上信贷利率低于传统金融贷款
. A# s5 d( t; W+ L. N) W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% z, c! B- A2 _3 Q
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。$ K _, h% X8 p' Q, {
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
* Y& K+ ~" m; w; O+ Q5 o* W# R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 D+ `7 P3 H$ N美元的活跃信贷位居第二和第三。
" L- Q/ f7 \8 m链上信贷的最大需求者是消费者2 T/ F- x5 e: V% B
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7 p1 Z! T' x4 _6 s) ?, c8 [
元)，其次是金融科技、房地产、碳信用和加密货币交易行业。
" p% F8 Z0 H0 X) b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
$ l, b; B8 j$ ?4 ?% R/ D/ l0.36%。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。
f9 d% I- w1 _+ P) r0 g# w链上信贷市场从CeFi危机到RWA转机
2 m4 C; D0 y+ ~' z+ n$ J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、2 d* J/ p- Q5 W* X; V' w
BlockTower等，使得2022年6月链上信贷峰值达到15亿美元。! A Z+ S$ E" a5 Z& {5 M, U
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
2 B6 d- t' G4 o. QTrueFi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
X* Y( u+ n& d5 ? s6 Z崩溃使Maple遭受3600万美元的坏账。4 m/ }) L* S! O' _, ]6 m5 ?
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. J) L: w8 f. t$ d9 V u
龙头，而Goldfinch则稳定发展。- F( i/ ?6 p0 X
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，8 u% H$ T" O- Z/ k. I0 G
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2.553 { v8 i; o4 _9 X- R+ V8 D
亿美元，成为链上信用贷款最大的协议。
/ Y" [+ D8 ?; j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, H" P' m0 J2 [! U2 z
以及其他安全风险。
; @$ s5 f5 Y1 T2 `3 D: _) Z- Q3 l T" r
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