Credbull 的私人信貸基金：以 30% 的回報潛力徹底改變 DeFi 借貸

Credbull 正在推出一款鏈上私人信貸基金，目標回報率高達 30%，這標誌著 DeFi 借貸領域的成熟。該基金投資於高收益貸款市場，在加密貨幣軌道上複製私人信貸的核心，為長期投資者提供高達 10% 的固定收益解決方案和 10-20% 的上行潛力。

Credbull's Private Credit Fund Revolutionizes DeFi Lending Landscape with 30% Return Potential

Credbull 的私人信貸基金以 30% 的回報潛力徹底改變了 DeFi 借貸格局

In a transformative development for the decentralized finance (DeFi) sector, Credbull, a crypto startup, is poised to launch an on-chain private credit fund that promises to unlock access to high-yield lending markets for investors.

在去中心化金融 (DeFi) 領域的變革性發展中，加密貨幣新創公司 Credbull 準備推出一款鏈上私人信貸基金，承諾為投資者打開進入高收益借貸市場的大門。

This trailblazing product marks a significant leap in the evolution of DeFi's lending capabilities, which have historically been confined to decentralized exchanges and stablecoin applications. By introducing private credit to the digital realm, Credbull is bridging the gap between traditional finance and the burgeoning crypto market.

這項開創性的產品標誌著 DeFi 借貸能力發展的重大飛躍，該能力歷來僅限於去中心化交易所和穩定幣應用程式。透過將私人信貸引入數位領域，Credbull 正在彌合傳統金融與蓬勃發展的加密貨幣市場之間的差距。

Recreating Real-World Success in the Digital Realm

在數位領域重現現實世界的成功

Credbull's initial fund meticulously emulates the core principles of private credit in the traditional financial world, translating them into the crypto sphere. Investors seamlessly contribute to the fund using the stablecoin USD Coin (USDC), which is subsequently converted to dollars by Credbull through Circle, the leading stablecoin issuer. These funds are then channeled to SME originators – debt financing companies that extend loans to businesses in need of capital.

Credbull 的初始基金精心模仿傳統金融世界私人信貸的核心原則，並將其轉化為加密貨幣領域。投資者使用穩定幣 USD Coin (USDC) 無縫地向該基金捐款，隨後 Credbull 透過領先的穩定幣發行商 Circle 將其轉換為美元。然後，這些資金被輸送給中小企業發起人——向需要資金的企業提供貸款的債務融資公司。

"The allure of high yields and market fluctuations has captivated investors," observed Credbull CEO Jason Dehni in an interview with CoinDesk. "However, there is a glaring absence of high fixed yield solutions in the current investment landscape."

Credbull 執行長 Jason Dehni 在接受 CoinDesk 採訪時表示：“高收益率和市場波動的誘惑吸引了投資者。” “然而，當前的投資環境中明顯缺乏高固定收益解決方案。”

Harnessing On-Chain Efficiency for Enhanced Returns

利用鏈上效率來提高回報

The high-yield targets of Credbull's fund are not solely driven by the underlying lending market dynamics but are also amplified by the fund's on-chain structure. Streamlining operations on a blockchain eliminates administrative costs, reducing fees by a significant margin of up to 150 basis points – a saving that is ultimately passed on to investors in the form of enhanced returns.

Credbull 基金的高收益目標不僅由潛在的借貸市場動態驅動，而且還因基金的鏈上結構而放大。簡化區塊鏈上的營運可以消除管理成本，將費用大幅降低高達 150 個基點——最終以提高回報的形式傳遞給投資者。

In the traditional private credit market, small and mid-sized businesses seek financing from specialized lenders rather than relying on banks. This sector has matured into a colossal $1.7 trillion industry, effectively challenging the dominance of banks and attracting discerning investors who are willing to commit their capital for extended periods in pursuit of attractive returns.

在傳統的私人信貸市場中，中小企業向專業貸款機構尋求融資，而不是依賴銀行。該行業已發展成為規模達 1.7 兆美元的龐大產業，有效挑戰了銀行的主導地位，並吸引了願意長期投入資本以追求有吸引力的回報的眼光敏銳的投資者。

Bridging the Gap Between Crypto and Real-World Investments

彌合加密貨幣與現實世界投資之間的差距

While private credit deals have occasionally emerged in the crypto realm, they have largely been overshadowed by the high-risk ventures that dominate the DeFi landscape. Stablecoin treasuries, which tokenize and fractionalize U.S. government bonds, and variable rate lending pools, which cater primarily to traders, have captured the majority of the stable and predictable returns associated with real-world assets (RWAs).

雖然私人信貸交易偶爾會在加密貨幣領域出現，但它們在很大程度上被主導 DeFi 領域的高風險企業所掩蓋。對美國政府債券進行代幣化和細分的穩定幣國債，以及主要面向交易者的可變利率貸款池，已經獲得了與現實世界資產（RWA）相關的大部分穩定且可預測的回報。

Credbull's fund introduces a distinctive twist to this narrative, offering more than just tokenized debt. Investors, referred to as the "community," actively participate in shaping the fund's risk profile and gain unparalleled transparency into the management of their funds – a level of governance and accountability that is notably lacking in traditional private credit markets.

Credbull 的基金為這種敘述引入了獨特的轉折，提供的不僅僅是代幣化債務。被稱為「社區」的投資者積極參與塑造基金的風險狀況，並獲得其資金管理無與倫比的透明度——傳統私人信貸市場明顯缺乏的治理和問責水平。

Tailoring to the Unique Needs of DeFi Investors

滿足 DeFi 投資者的獨特需求

Recognizing the distinctive nature of DeFi investors, Credbull has designed its fund with shorter lockup periods than traditional private credit investments. The typical 6- to 12-month lockup duration allows investors greater flexibility in adjusting their portfolios. Additionally, the fund offers fixed yields of up to 10% for longer-term investors, supplemented by an additional 10 to 20% of the fund's generated upside.

認識到 DeFi 投資者的獨特性，Credbull 設計了比傳統私人信貸投資更短的鎖定期的基金。通常的鎖定期為 6 至 12 個月，使投資者可以更靈活地調整其投資組合。此外，該基金為長期投資者提供高達 10% 的固定收益率，並補充基金產生的額外 10% 至 20% 的收益。

"We are not targeting family offices," emphasized Dehni. "Our goal is not to lock funds for over 12 months. DeFi investors have different needs and preferences, and our fund is tailored to those unique requirements."

「我們的目標不是家族辦公室，」德尼強調。 “我們的目標不是鎖定資金超過 12 個月。DeFi 投資者有不同的需求和偏好，我們的基金是根據這些獨特的要求量身定制的。”

A Catalyst for Broader Credit Market Professionalization

更廣泛信貸市場專業化的催化劑

Credbull's foray into the private credit market is a testament to the maturing sophistication of crypto credit markets. Goldfinch, a notable player in the lending protocol space, recently launched an SEC-registered investment advisory service that facilitates private credit deals through its on-chain platform.

Credbull 進軍私人信貸市場證明了加密貨幣信貸市場的日趨成熟。 Goldfinch 是藉貸協議領域的知名參與者，最近推出了一項在 SEC 註冊的投資諮詢服務，透過其鏈上平台促進私人信貸交易。

Credbull's fund, registered in the Bahamas, boasts the distinction of being the first licensed on-chain private credit fund, signaling a pivotal shift towards regulated and compliant investment structures in the crypto realm. Preparations are underway for the fund's launch, anticipated in May, with several crypto finance platforms actively exploring partnerships to integrate the Credbull fund into their offerings.

Credbull 的基金在巴哈馬註冊，是第一家獲得許可的鏈上私人信貸基金，標誌著加密領域向受監管和合規投資結構的關鍵轉變。該基金的啟動準備工作正在進行中，預計將於 5 月推出，多個加密貨幣金融平台正在積極探索合作夥伴關係，將 Credbull 基金整合到其產品中。

"To foster the growth and maturity of our industry, we must prioritize the diversification of fixed yield offerings," Dehni stated. Credbull's private credit fund is a pivotal step in this direction, unlocking access to traditional investment opportunities for DeFi investors and further legitimizing the crypto asset class as a viable investment destination.

「為了促進我們行業的成長和成熟，我們必須優先考慮固定收益產品的多元化，」德尼表示。 Credbull 的私人信貸基金是朝這個方向邁出的關鍵一步，為 DeFi 投資者釋放了傳統投資機會，並進一步使加密資產類別合法化作為可行的投資目的地。