Credefi通過推出NFT債券來破壞傳統債券市場

傳統的債券市場仍然很複雜，不透明，並保留給精英。 Credefi通過啟動NFT債券來破壞這些規範

Credefi is revolutionizing the traditional bond market with its NFT Bonds, a groundbreaking solution that makes investing in corporate bonds accessible, transparent, and profitable for everyone.

Credefi通過其NFT債券徹底改變了傳統債券市場，這是一種開創性的解決方案，使所有人都可以對公司債券進行投資，透明和盈利。

This innovation is powered by the tokenization of real assets and the synergies of DeFi.

這項創新是由真實資產和Defi協同作用的代幣化提供支持的。

Traditional finance institutions have largely neglected retail investors in their pursuit of optimal investment solutions. As a result, most individual investors find it challenging to gain access to private debt markets, despite the potential benefits it holds.

傳統的財務機構在追求最佳投資解決方案時已被忽視了零售投資者。結果，儘管它具有潛在的利益，但大多數個人投資者發現獲得私人債務市場的挑戰。

Moreover, the structure of financial institutions and the presence of intermediaries contribute to increased fees, further limiting retail investors' participation in these markets.

此外，金融機構的結構和中介機構的存在有助於增加費用，進一步限制了散戶投資者在這些市場中的參與。

Despite the efforts of FinTech startups to connect investors and companies, such as in crowdfunding platforms, these initiatives often struggle to achieve large-scale success.

儘管金融科技初創公司努力將投資者和公司（例如在眾籌平台中）聯繫起來，但這些舉措通常很難取得大規模的成功。

In the crypto sphere, lending protocols like Aave and Compound provide high interest rates for crypto investors but suffer from low utilization rates and limited capital. Conversely, Real World Asset (RWA) protocols like Blockfolio and Tokenized Value aim for large capital commitments but face difficulties in securing optimal yield opportunities.

在加密球體中，諸如AAVE和COMPOUND之類的貸款方案為加密投資者提供了高利率，但利用率較低和資本有限。相反，現實世界的資產（RWA）協議（例如Blockfolio和Sibenized價值）旨在實現巨大的資本承諾，但面臨著確保最佳產量機會的困難。

This is where Credefi comes in. The European platform is disrupting the traditional bond market with its NFT Bonds, a new kind of bond that is not only liquid, tokenized, and backed by real assets but also offers several key advantages over traditional bonds.

這就是Credefi的來源。歐洲平台正在用其NFT債券破壞傳統的債券市場，一種新型的債券不僅是液體，標記和以真實資產的支持，而且還提供了比傳統債券的幾個關鍵優勢。

Founded in 2022 and operating from Paris, France, Credefi is a European platform regulated according to European standards. It is focused on connecting two worlds that are still too compartmentalized: DeFi lenders seeking stable returns and European SMEs (small and medium enterprises) looking for safe and fast financing.

Credefi成立於2022年，從法國巴黎運營，是根據歐洲標準受監管的歐洲平台。它的重點是連接兩個仍然過於分室的世界：尋求穩定回報和歐洲中小型企業（中小型企業）尋求安全和快速融資的貸款人。

Its mission is to offer a reliable investment solution for crypto lenders through loans guaranteed by Real World Assets (RWA), such as real estate, inventory, or equipment, which are used to create NFT Bonds. These bonds are sold to crypto lenders, aiming to provide a regular income to investors while offering a lifeline to SMEs.

它的任務是通過由現實世界資產（RWA）（例如房地產，庫存或設備）提供的貸款提供可靠的投資解決方案，這些貸​​款用於創建NFT債券。這些債券被出售給加密貸款人，旨在為投資者提供定期收入，同時為中小企業提供生命線。

In essence, Credefi’s NFT Bonds are a hybrid financial product combining the advantages of both traditional bonds and crypto assets. Like traditional bonds, they are backed by the cash flows of a company and offer a fixed rate of return. However, they are also issued and traded on a blockchain, like NFTs, rendering them liquid, transparent, and easily accessible.

從本質上講，Credefi的NFT債券是一種混合金融產品，結合了傳統債券和加密資產的優勢。像傳統債券一樣，它們得到了公司現金流的支持，並提供固定的回報率。但是，它們也在區塊鏈（例如NFT）上發行和交易，使其液體，透明且易於訪問。

Each bond issued by Credefi is represented as a unique NFT on the blockchain. This allows for several key advantages:

Credefi發行的每筆債券都表示是區塊鏈上的獨特NFT。這允許幾個關鍵優勢：

- Extreme liquidity: NFT Bonds can be bought and sold at any time on secondary markets, offering investors an exit strategy and creditors the opportunity to invest in new projects.

- 極端流動性：NFT債券可以隨時在二級市場上買賣，為投資者提供退出策略，債權人有機會投資新項目。

- Complete transparency: All information about the bonds, such as the issuer, maturity date, and interest rate, is publicly available on the blockchain.

- 完整的透明度：有關債券的所有信息，例如發行人，到期日和利率，都可以在區塊鏈上公開獲得。

- Atomicity and divisibility: NFT Bonds can be easily divided into smaller units or fractions, allowing for greater participation from retail investors with smaller capital outlays.

- 原子能和分裂性：NFT債券可以輕鬆地分為較小的單位或分數，從而使具有較小資本支出的零售投資者更多地參與。

This makes a huge difference in how bond investments are made: automated, liquid, transparent, and accessible.

這對債券投資的製定方式產生了巨大影響：自動化，液體，透明且可訪問。

Compared to traditional bonds, which usually require large minimum investments (e.g., $100,000) and high entry barriers, Credefi’s offering stands out due to a series of concrete advantages:

與通常需要大量最低投資（例如100,000美元）和高入門障礙的傳統債券相比，由於一系列具體的優勢，Credefi的產品脫穎而出：

- Small minimum investment: Start investing in bonds with as little as $500.

- 最低投資小額投資：開始投資於$ 500的債券。

- Competitive interest rates: Enjoy higher returns compared to standard crypto lending protocols.

- 競爭利率：與標準加密貸款協議相比，享受更高的回報。

- Diversified portfolio: Invest in a variety of bonds from different European SMEs across various sectors.

- 多元化的投資組合：在各個部門投資來自不同歐洲中小企業的各種債券。

- Early-stage liquidity: Benefit from the secondary market for NFT Bonds, sold on the platform itself.

- 早期流動性：在平臺本身出售的NFT債券的二級市場中受益。

To date, more than 4,000 users have joined the platform. The $4 million portfolio funded by Credefi has had no payment default, and over $500,000 has already been repaid to investors.

迄今為止，已有4,000多名用戶加入了該平台。由Credefi資助的400萬美元投資組合沒有違約，已經償還了超過500,000美元的投資者。

The platform has funded more than 30 European SMEs, with a clear growth strategy: to reach $100 million in tokenized bond market capitalization within 24 months. Three partner financial institutions already guarantee certain issues, reinforcing Credefi’s ecosystem credibility.

該平台已經為30多家歐洲中小企業提供了資金，並採用了明確的增長戰略：在24個月內達到標記債券市值1億美元。三個合作夥伴金融機構已經保證了某些問題，從而增強了Credefi的生態系統信譽。

Beyond the technical feat, Credefi lays the foundations for a new finance: inclusive, transparent, and open to all. In a world where NFTs have often been reduced to mere collectibles, NFT Bonds embody a concrete, useful, and profitable use case.

除了技術壯舉之外，Credefi還為新金融的基礎奠定了基礎：包容性，透明和向所有人開放。在一個經常將NFT簡化為收藏品的世界中，NFT鍵體現了具體，有用且有利可圖的用例。

They allow any crypto investor to generate stable passive income backed by the real economy while benefitting from decentralized finance innovations. It is also a showcase for the rise of RWAs in DeFi: a fundamental trend seeking to give more solidity and legitimacy to the Web3 universe.

它們使任何加密投資者都能產生由真實經濟支持的穩定的被動收入，同時受益於分散的金融創新。它也是RWA在Defi中崛起的展示：一種基本趨勢，旨在為Web3宇宙提供更多的堅固性和合法性。

For those who want to go further, Credefi also offers an R2E (Read-to-Earn) quest where you can learn more about NFT Bonds and get rewarded in tokens for your curiosity.

對於那些想進一步發展的人，Credefi還提供了R2E（讀取）任務，您可以在其中了解有關NFT債券的更多信息，並因好奇心而獲得獎勵。

With its NFT Bonds, Credefi has not just created a financial product. It has laid the foundation of a new paradigm: that of a hybrid finance, anchored in the real world but propelled by

憑藉其NFT債券，Credefi不僅創造了金融產品。它奠定了新的範式的基礎：固定在現實世界中的混合金融範式的基礎