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整合加密貨幣借貸平台的活躍貸款資料可以為您提供有關其業務健康狀況的寶貴見解。以下是我們分析師的一些建議。
At Bitcoin Market Journal, we treat crypto tokens like stocks when investing. While there are key differences, we analyze crypto “companies” like traditional companies and diversify our investments with a mix of both. More on our approach here.
在《比特幣市場雜誌》中,我們在投資時將加密代幣視為股票。儘管存在關鍵差異,但我們像傳統公司一樣分析加密“公司”,並透過兩者的結合來實現投資多元化。更多關於我們的方法請參見這裡。
One of the key metrics we use to analyze winning crypto investments is active loans. In this guide, you’ll learn how they work, and some of the top projects with high active loan balances, including Aave, Spark Protocol, Morpho, Compound, and Venus
我們用來分析贏得加密貨幣投資的關鍵指標之一是活躍貸款。在本指南中,您將了解它們的工作原理,以及一些具有高活躍貸款餘額的頂級項目,包括 Aave、Spark Protocol、Morpho、Compound 和 Venus
What are Active Loans?
什麼是主動貸款?
On lending protocols like Aave and Compound, an “active loan” refers to an outstanding loan that has yet to be fully repaid. Typically, the loan recipient provides collateral in the form of other cryptocurrencies.
在 Aave 和 Compound 等借貸協議上,「活躍貸款」是指尚未完全償還的未償還貸款。通常,貸款接受者以其他加密貨幣的形式提供抵押品。
As an analogy, think of margins on a stock account. In a margin account, you can borrow money from the broker to buy more stocks than you could with your own cash. However, to do this, you must put up some of your own assets (stocks or cash) as collateral.
打個比方,想想股票帳戶的保證金。在保證金帳戶中,您可以向經紀人借錢購買比您用自己的現金更多的股票。然而,要做到這一點,您必須拿出一些自己的資產(股票或現金)作為抵押品。
The broker lends you money, and you repay them with interest over time. If the value of your stocks drops too much, the broker may require you to add more collateral or liquidate your assets to repay the loan, protecting their downside risk.
經紀人借錢給你,你隨著時間的推移償還利息。如果您的股票價值下跌太多,經紀人可能會要求您添加更多抵押品或清算您的資產以償還貸款,以保護其下行風險。
When you lend on a crypto lending platform, it’s a bit like buying bonds from a government or company. You lend them your money (or crypto), and in return, they pay you interest over time. In blockchain protocols, you lend your assets to borrowers, and in return, you earn a predictable return based on the interest rate agreed upon in the smart contract.
當您在加密貨幣借貸平台上借貸時,這有點像從政府或公司購買債券。你借給他們你的錢(或加密貨幣),作為回報,他們會隨著時間的推移向你支付利息。在區塊鏈協議中,您將資產借給借款人,作為回報,您根據智能合約中商定的利率獲得可預測的回報。
Top Crypto Investments by Active Loans
按活躍貸款排名的頂級加密貨幣投資
Aave: Aave currently has $7.50B in active loans, which has more than doubled year to date.
Aave:Aave 目前有 $7.50B 的活躍貸款,今年迄今增加了一倍多。
Aave’s active loan balance has increased in part due to its dominant role in the DeFi space. As DeFi gains more mainstream attention, demand for borrowing assets through platforms like Aave naturally rises.
Aave 的活躍貸款餘額增加的部分原因是其在 DeFi 領域的主導地位。隨著 DeFi 獲得更多主流關注,透過 Aave 等平台借貸資產的需求自然會上升。
Aave has also continued to expand its number of supported cryptocurrencies and stablecoins available for lending and borrowing. This diversification of available assets attracts more borrowers and lenders, contributing to a higher loan balance.
Aave 也繼續擴大其支援的可用於借貸的加密貨幣和穩定幣的數量。可用資產的多樣化吸引了更多的借款人和貸款人,從而導致更高的貸款餘額。
Additionally, Aave has worked to build a strong reputation for being a secure and reliable platform, and its governance token, AAVE, allows users to vote on protocol updates. Strong security measures and community involvement tends to attract more borrowing activity, particularly as Aave maintains its standing in the DeFi space.
此外,Aave 還致力於打造安全可靠平台的良好聲譽,其治理代幣 AAVE 允許用戶對協議更新進行投票。強有力的安全措施和社區參與往往會吸引更多的借貸活動,特別是當 Aave 保持在 DeFi 領域的地位時。
Spark Protocol: Spark Protocol’s current active loan balance is $1.44B, hovering consistently over the $1B mark over the past year.
Spark Protocol:Spark Protocol 目前的活躍貸款餘額為 $1.44B,過去一年一直徘徊在 $1B 大關之上。
Spark Protocol is deeply integrated with Sky (formerly MakerDAO) and centered around lending USDS (formerly DAI). In 2024, demand for USDS has grown due to its role as a reliable decentralized stablecoin in a volatile market, and this demand has led to an overall increase in Spark Protocol’s loan balance.
Spark Protocol 與 Sky(以前稱為 MakerDAO)深度集成,並以藉貸 USDS(以前稱為 DAI)為中心。 2024 年,由於 USDS 在動盪的市場中作為可靠的去中心化穩定幣的作用,對 USDS 的需求有所增長,這種需求導致 Spark Protocol 的貸款餘額整體增加。
Sky has also seen growth in USDS minting, particularly through platforms like Spark, which offers attractive borrowing options and low interest rates. An increase in minting USDS means more borrower activity through Spark, thus raising its active loan balance.
Sky 也看到 USDS 鑄幣量的成長,特別是透過 Spark 等平台,該平台提供有吸引力的借貸選擇和低利率。 USDS 鑄造量的增加意味著透過 Spark 進行的借款人活動增多,從而提高了其活躍貸款餘額。
Spark has also managed to maintain competitive interest rates, making borrowing on the platform more appealing. This attracts users who want to borrow cheaply to either reinvest in other DeFi protocols, hold USDS as a hedge against market volatility, or engage in trading.
Spark 也設法保持有競爭力的利率,使平台上的借貸更具吸引力。這吸引了那些想要廉價借貸的用戶,要么再投資於其他 DeFi 協議,要么持有 USDS 作為對沖市場波動的工具,要么進行交易。
Morpho: Morpho’s active loan balance is around $766.31M. This crypto project is able to maintain a high active loan balance due to its hybrid lending model which optimizes lending rates by combining both pool-based and peer-to-peer lending.
Morpho:Morpho 的活躍貸款餘額約為 7.6631 億美元。由於其混合貸款模式,該加密項目能夠保持較高的活躍貸款餘額,該模式透過結合基於池的貸款和點對點貸款來優化貸款利率。
When a direct match is available, borrowers can secure better interest rates via peer-to-peer lending, while any unmatched loans fall back to pool-based protocols, ensuring liquidity. This efficiency attracts more borrowers and lenders looking for improved returns compared to traditional pool-based lending platforms.
當可以直接匹配時,借款人可以透過點對點貸款獲得更好的利率,而任何不匹配的貸款都會退回到基於池的協議,從而確保流動性。與傳統的基於資金池的貸款平台相比,這種效率吸引了更多尋求更高回報的借款人和貸款人。
Morpho also directly integrates with top DeFi lending platforms like Compound and Aave, allowing users to tap into the liquidity of these established platforms – while at the same time, benefiting from Morpho’s interest rate mechanics. Borrowers and lenders can trust the platform’s liquidity and infrastructure while getting better rates, which drives more activity and a higher loan balance.
Morpho 還直接與 Compound 和 Aave 等頂級 DeFi 借貸平台集成,讓用戶能夠利用這些成熟平台的流動性,同時受益於 Morpho 的利率機制。借款人和貸款人可以信任該平台的流動性和基礎設施,同時獲得更好的利率,從而推動更多的活動和更高的貸款餘額。
Compound: Compound’s YTD active loan balance is $656.87M, dropping slightly from where it was at the beginning of the year at $937.55M.
Compound:Compound 的年初至今活躍貸款餘額為 6.5687 億美元,較年初的 9.3755 億美元略有下降。
Compound is one of the largest DeFi lending platforms, and its diversity of supported assets attracts significant liquidity, making it a popular platform for borrowers. Compound also has strong security and a strong smart contract infrastructure, making it a top choice for institutional investors.
Compound 是最大的 DeFi 借貸平台之一,其支援資產的多樣性吸引了大量的流動性,使其成為借款人的熱門平台。此外,Compound 還擁有強大的安全性和強大的智慧合約基礎設施,使其成為機構投資者的首選。
However, unlike the other crypto projects on this list, Compound’s active loan balance has dropped since the beginning of the year. This is partially due to market
然而,與此列表中的其他加密項目不同,Compound 的活躍貸款餘額自今年年初以來一直在下降。這部分是由於市場
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