市場動盪中，Celsius 加密貨幣貸款機構申請破產

在加密貨幣價格暴跌和市場波動的背景下，主要加密貨幣貸款機構攝氏度網路 (Celsius Network) 已根據美國破產法第 11 章申請破產保護。在此之前，terraUST (UST) 和 LUNA 的崩潰引發了長達一個月的破產鬥爭，加速了消費者對加密產業信心的下降。

Celsius Network Files for Bankruptcy Amidst Crypto Market Turmoil

加密貨幣市場動盪之際，Celsius Network 申請破產

New York, July 13, 2022 - Crypto lender Celsius Network has filed for bankruptcy protection under Chapter 11 in the United States Bankruptcy Court for the Southern District of New York. The move comes after a months-long struggle with insolvency issues precipitated by the recent crypto market downturn.

紐約，2022 年 7 月 13 日 - 加密貨幣貸款機構攝氏度網路已根據第 11 章向紐約南區美國破產法院申請破產保護。此舉是在與最近的加密貨幣市場低迷引發的破產問題進行了長達數月的鬥爭之後做出的。

Chronology of Events Leading to Bankruptcy

導致破產的事件年表

April 12, 2022: Celsius Network first signals financial distress by announcing that its U.S. platform will no longer allow non-accredited investors to deposit new assets or earn rewards on its Earn platform. The company cites ongoing discussions with U.S. regulators regarding its Earn product as the reason for this move.

2022 年 4 月 12 日：Celsius Network 首先宣布其美國平台將不再允許未經認可的投資者在其 Earn 平台上存入新資產或賺取獎勵，從而發出財務困境信號。該公司稱，此舉的原因是與美國監管機構正在就其 Earn 產品進行討論。

May 2022: The collapse of the algorithmic stablecoin terraUST and its sister coin LUNA triggers a $40 billion market crash, destabilizing the cryptocurrency industry and eroding consumer confidence. The event exacerbates a "crypto winter" and industry-wide sell-off, prompting a surge in withdrawals from Celsius users.

2022 年 5 月：演算法穩定幣 terraUST 及其姊妹幣 LUNA 的崩潰引發了 400 億美元的市場崩盤，破壞了加密貨幣行業的穩定並削弱了消費者信心。該事件加劇了「加密貨幣冬天」和全行業的拋售，促使攝氏用戶提款激增。

June 12, 2022: Celsius freezes withdrawals, swaps, and transfers due to "extreme market conditions," raising concerns about the platform's liquidity. The company does not provide a timeline for restoring services, stoking fears among its 1.7 million users.

2022 年 6 月 12 日：由於“極端市場條件”，Celsius 凍結了提款、掉期和轉賬，引發了對該平台流動性的擔憂。該公司沒有提供恢復服務的時間表，這引發了 170 萬用戶的擔憂。

June 30, 2022: Celsius hires restructuring expert Alvarez & Marsal to explore options to mitigate the impact of its financial difficulties. The firm emphasizes its focus on stabilizing liquidity and operations to provide further information to the community.

2022 年 6 月 30 日：Celsius 聘請重整專家 Alvarez & Marsal 探索減輕財務困難影響的方案。該公司強調其重點是穩定流動性和運營，以便向社區提供更多資訊。

July 3, 2022: Celsius lays off approximately 23% of its workforce, following the suspension of user withdrawals and transfers. The company cites growing liquidity issues as the reason for the job cuts.

2022 年 7 月 3 日：在暫停用戶提款和轉帳後，Celsius 解雇了約 23% 的員工。該公司將日益嚴重的流動性問題作為裁員的原因。

July 7, 2022: Decentralized Finance (DeFi) aggregator KeyFi files a lawsuit against Celsius in the New York State Supreme Court, alleging market manipulation and inadequate accounting controls to safeguard user deposits. KeyFi CEO Jason Stone accuses Celsius of misleading statements about its investment strategy and oversight, exposing its portfolio to market fluctuations without hedging. Stone further alleges that Celsius operated like a Ponzi scheme, causing him significant financial losses.

2022 年 7 月 7 日：去中心化金融 (DeFi) 聚合商 KeyFi 在紐約州最高法院對攝氏度提起訴訟，指控其存在市場操縱行為以及保護用戶存款的會計控制不足。 KeyFi執行長傑森·斯通(Jason Stone)指責Celsius對其投資策略和監督的誤導性陳述，使其投資組合在沒有對沖的情況下面臨市場波動的風險。史東進一步聲稱，攝爾塞爾的運作方式就像龐氏騙局，給他造成了巨大的經濟損失。

July 12, 2022: Celsius transfers $8.4 million in USDC stablecoin to DeFi lending protocol Aave, releasing collateralized tokens worth approximately $25 million, including stETH, LINK, and SNX.

2022 年 7 月 12 日：Celsius 將 840 萬美元的 USDC 穩定幣轉移到 DeFi 借貸協議 Aave，釋放了價值約 2,500 萬美元的抵押代幣，包括 stETH、LINK 和 SNX。

July 13, 2022: Celsius Network files for Chapter 11 bankruptcy protection. The company states that the filing aims to stabilize its business and protect customers after the suspension of withdrawals. The filing prevents certain customers from being paid in full while allowing Celsius to recover value from illiquid assets.

2022 年 7 月 13 日：Celsius Network 根據美國破產法第 11 章申請破產保護。該公司表示，該備案旨在在暫停提款後穩定其業務並保護客戶。該文件阻止了某些客戶獲得全額付款，同時允許攝氏度從非流動資產中收回價值。

July 14, 2022: A court filing by Celsius' advisory partner Kirkland & Ellis reveals a $1.3 billion hole in the company's balance sheet, marking the first official acknowledgment of the shortfall.

2022 年 7 月 14 日：Celsius 諮詢合作夥伴 Kirkland & Ellis 向法院提交的文件顯示，該公司的資產負債表存在 13 億美元的缺口，這標誌著該公司首次正式承認這一缺口。

Implications for the Crypto Industry

對加密產業的影響

Celsius' bankruptcy is the latest in a series of high-profile crypto company insolvencies, including Voyager Digital and Three Arrows Capital, which have shaken the industry. The event underscores the ongoing challenges faced by the crypto market, including volatility, regulatory uncertainty, and liquidity issues.

elsel 的破產是一系列備受矚目的加密貨幣公司破產案中的最新一起，這些公司包括 Voyager Digital 和 Three Arrows Capital，這些公司震驚了整個行業。這起事件凸顯了加密市場面臨的持續挑戰，包括波動性、監管不確定性和流動性問題。

Celsius' failure has raised concerns about the safety and sustainability of crypto lending platforms. Investors are urged to exercise caution and carefully evaluate the risks associated with such platforms before entrusting them with their assets.

攝氏的失敗引發了人們對加密借貸平台的安全性和可持續性的擔憂。投資者在委託資產之前應謹慎行事，並仔細評估與此類平台相關的風險。

Regulators worldwide are expected to increase scrutiny of the crypto industry in the wake of recent events. This could lead to stricter regulations and oversight, potentially impacting the future development and adoption of cryptocurrencies.

在最近發生的事件之後，預計世界各地的監管機構將加強對加密貨幣行業的審查。這可能會導致更嚴格的監管和監督，從而可能影響加密貨幣的未來發展和採用。