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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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+ X7 ?8 C1 w. n$ {" F4 u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
( O3 x. d4 U% v& [/ b* \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) V, H. ]8 A' f
面的发展。; f% L# N: b: C3 w+ j6 b+ h9 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3 Z' Q9 n# l/ o8 S* V$ n: F& r! i
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 }! I* }3 L8 k链上信贷利率低于传统金融贷款
. X) {( d. k. R. ^" d; x9 n: X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$ Y+ l0 z# Q# n! h- j5 V
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。% ]5 v9 c6 m$ V6 U, D& Q' 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
: J( G6 a/ n/ `9 r6 L& F% D- G' b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( u! h; S7 S; |2 ]
美元的活跃信贷位居第二和第三。
M( X" [% Q. u w+ \链上信贷的最大需求者是消费者
: a$ G( M3 e( \6 }" I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4 w; C" v/ ]$ {
元)，其次是金融科技、房地产、碳信用和加密货币交易行业。. ]% ^! B7 H/ P; f" ?9 {
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3 U1 {2 N! y7 h. l& \) y- }, T- R# L
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。
1 i7 R1 Q1 T$ q) a1 y链上信贷市场从CeFi危机到RWA转机
" j" `% K" C* A( L2 t7 R" B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、9 }5 \' Z5 l0 W4 g. S" k
BlockTower等，使得2022年6月链上信贷峰值达到15亿美元。1 Z L/ A3 T. L( t, X
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$ a7 M# e$ E! p1 O R
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/ z, ^0 T) S" w9 `* f
崩溃使Maple遭受3600万美元的坏账。
7 ?5 ?1 Z" Y8 y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: H0 G, K) g! L2 w
龙头，而Goldfinch则稳定发展。
5 d, W5 S0 h* f/ MMaple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，
3 x+ i2 ?& P; jMaple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$ b$ @3 g& x5 j4 U* ^9 [9 {: U
亿美元，成为链上信用贷款最大的协议。
2 L6 v- E2 K5 G1 t% _6 o2 V" G; J4 _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) s$ {3 u( d: F0 N9 Q- p. D
以及其他安全风险。
! z/ h, D5 I2 T4 t2 F$ O+ Y7 N$ `1 O0 ]9 R2 g& d
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