比特幣（BTC）存放XAPO銀行推出了BTC支持的貸款，最高可達100萬美元

比特幣長期持有人的財富經理Xapo Bank表示，它為成員提供了BTC支持的貸款，最高可達100萬美元。

Xapo Bank, a wealth manager catering to long-term holders of bitcoin, has begun offering its members BTC-backed loans of up to $1 million.

Xapo Bank是一位迎合比特幣長期持有人的財富經理，已開始為其成員提供BTC支持的貸款，最高可達100萬美元。

Crypto lending hit the headlines in recent times for all the wrong reasons, with a series of high profile collapses and bankruptcies that shook the crypto industry. But crypto-backed loans are now making a comeback, with companies such as U.S.-listed exchange Coinbase (NASDAQ:COIN) reintroducing bitcoin-backed loans in January after withdrawing the service in 2023.

Crypto Lending近來出於所有錯誤的原因而成為頭條新聞，一系列引人注目的崩潰和破產，使加密貨幣行業震驚。但是，由加密貨幣支持的貸款正在捲土重來，諸如上市的交易所Coinbase（NASDAQ：COIN）等公司在2023年撤回該服務後，在一月份重新引入了比特幣支持的貸款。

Xapo CEO Seamus Rocca stresses the difference between the company's wealth-management service and what exchanges generally offer, which is geared towards trading.

XAPO首席執行官Seamus Rocca強調了公司的財富管理服務與通常提供的交易所提供的差異，這是針對交易的。

“If an exchange is offering you secured lending, it's to encourage leverage,” Rocca said in an interview. “And the moment you have leverage, unless you're a professional investor — and even when you are a professional investor — the risk of losing money is very high. If you're an exchange platform, you don't really care about that. You're just there to facilitate gambling.”

Rocca在接受采訪時說：“如果交易所向您提供保證貸款，那是為了鼓勵槓桿。” “當您是專業投資者的時刻，即使您是專業投資者，如果您是一個交換平台，那麼損失的風險也很高。

A conservative 20%-40% loan-to-value ratio safeguards customers’ bitcoin, said Xapo, whose Gibraltar-regulated banking license has been passported into the U.K. In effect, this means bitcoin would have to crash to under $40,000 from its current price for borrowers to be liquidated, Rocca said.

Xapo說，保守的20％-40％的貸款價值比率保障了比特幣，Xapo說，他的直布羅陀管監管的銀行許可證已被護照到英國實際上，這意味著比特幣必須從目前的借款人出售的價格跌至40,000美元，才能清算。

Xapo began its journey in 2013 as a wallet and custodian renowned for safeguarding bitcoin in Swiss mountain bunkers, presenting a very safe alternative to self-custody for those holding the largest cryptocurrency for the long term. Ether (CRYPTO:ETH) was recently added.

Xapo於2013年開始旅行，是一名因在瑞士山地掩體中保護比特幣而聞名的錢包和託管人，為那些長期擁有最大的加密貨幣的人提供了一種非常安全的自我顧客替代品。最近添加了Ether（加密：ETH）。

When the firm commenced testing the waters for bitcoin-backed lending, the average loan size was assumed to be around $50,000. It soon became clear some long term holders would prefer more: Those with the necessary $5 million or so of bitcoin collateral were looking for loans of $1 million.

當該公司開始測試水域支持比特幣支持的貸款時，假定平均貸款規模約為50,000美元。很快，很明顯，一些長期持有人會更喜歡更多：那些擁有500萬美元左右的比特幣抵押品的人正在尋找100萬美元的貸款。

"We can arrange even larger loans on a case by case basis. The interest rate on the dollar is around 10%," Rocca said.

羅卡說：“我們可以在情況下安排更大的貸款。美元的利率約為10％。”

The main reasons someone might want to take a loan are to buy or upgrade a property, to buy a new car, followed by other miscellaneous needs.

有人可能想貸款的主要原因是購買或升級房地產，購買新車，然後是其他其他需求。

“If you're a bitcoin holder and you have conviction that the price of bitcoin is going to go up, selling any of it is difficult to do. But sometimes life gets in the way: You want to upgrade your kitchen, you have school fees to pay. Being able to draw down some liquidity on your bitcoin with someone that you trust is a very appealing product for our customer base.”

“如果您是一個比特幣持有人，並且您相信比特幣的價格將會上漲，那麼出售任何一個很難做到，但有時候生活會陷入困境。

Xapo is offering repayment schedules of 30, 90, 180 or 365 days, with no penalties for early repayment, while a loan health tracker provides real-time insights into loan status and potential risks, the company said in a press release.

該公司在新聞稿中說，Xapo提供的還款時間表為30、90、180或365天，沒有對早期還款的處罰，而貸款健康追踪器則提供了對貸款狀況和潛在風險的實時見解。