Credefi 透過區塊鏈融合徹底改變金融業，將 TradFi 與 Web3 連接起來

在變革性的數位環境中，Credefi 成為一個將傳統金融與區塊鏈技術融合的創新平台。透過將 TradFi 的穩定性與區塊鏈的透明度相結合，Credefi 為歐盟的中小企業提供易於使用的融資解決方案。貸款人受益於精心策劃的貸款產品和對沖回報，而藉款人則享有以有形資產抵押和嚴格風險評估為基礎的客製化融資。 Credefi 對安全和社區參與的承諾，以其實用代幣（$CREDI 和 $xCREDI）得到強調，培育了一個安全且包容的金融生態系統。

Credefi: Revolutionizing Finance with the Fusion of Traditional and Blockchain Technologies

Credefi：透過傳統科技與區塊鏈技術的融合徹底改變金融業

As the world accelerates towards digital transformation and financial innovation, Credefi emerges as a pioneer in revolutionizing the financial ecosystem. This innovative platform seamlessly integrates traditional finance (TradFi) with the transformative power of blockchain technology.

隨著世界加速數位轉型和金融創新，Credefi 成為金融生態系統革命的先驅。這個創新平台將傳統金融 (TradFi) 與區塊鏈技術的變革力量無縫整合。

Bridging the Financial Divide

彌合財務鴻溝

The global financial services market is projected to witness exponential growth, reaching an estimated $4.4 trillion by 2028. Key drivers of this growth include the adoption of blockchain technology within the banking sector and the rising prominence of crypto assets. However, traditional financial services often fall short in meeting the financing needs of small and medium-sized enterprises (SMEs).

全球金融服務市場預計將出現指數級增長，預計到 2028 年將達到 4.4 兆美元。這一增長的主要驅動因素包括銀行業採用區塊鏈技術以及加密資產的日益突出。然而，傳統金融服務往往難以滿足中小企業的融資需求。

Credefi addresses this critical gap by providing SMEs within the European Union (EU) with accessible funding opportunities. The platform offers crypto-backed lending services secured by tangible assets, enabling businesses to unlock liquidity for their growth and success.

Credefi 透過為歐盟 (EU) 內的中小企業提供可獲得的融資機會來解決這一關鍵差距。該平台提供由有形資產擔保的加密貨幣支持的貸款服務，使企業能夠釋放流動性以促進其成長和成功。

Empowering Lenders and Empowering Borrowers

賦予貸款人和借款人權力

Credefi's platform caters to both lenders and borrowers, offering tailored solutions for each party. Lenders can diversify their portfolio with a range of credit products, including loan portfolios, individual loan exposures, and corporate bonds, all designed to hedge against risk and generate attractive returns.

Credefi 的平台同時滿足貸方和借款方的需求，為各方提供量身定制的解決方案。貸款人可以透過一系列信貸產品來實現投資組合多元化，包括貸款投資組合、個人貸款風險敞口和公司債券，所有這些產品都是為了對沖風險並產生有吸引力的回報。

Borrowers benefit from Credefi's structured financial solutions that align with their specific needs. All borrowers undergo a rigorous risk-scoring process conducted by Experian, ensuring responsible lending practices and minimizing credit risk.

借款人受益於 Credefi 符合其特定需求的結構化金融解決方案。所有借款人都經過益百利 (Experian) 嚴格的風險評分流程，確保負責任的貸款實踐並最大限度地降低信用風險。

Unwavering Security and Trust

堅定不移的安全和信任

Credefi prioritizes the security of its users' assets with a robust multi-layered security mechanism. Additionally, the utilization of collateralized tangible assets mitigates the volatility risks associated with traditional cryptocurrency investments. The platform's partnership with Experian, a leading data analytics organization, underscores its commitment to maintaining a secure and trustworthy financial ecosystem.

Credefi 透過強大的多層安全機制優先考慮使用者資產的安全。此外，使用有形抵押資產可以減輕與傳統加密貨幣投資相關的波動風險。該平台與領先的數據分析組織 Experian 的合作突顯了其對維護安全、值得信賴的金融生態系統的承諾。

Credefi Utility Tokens

Credefi 實用代幣

$CREDI and $xCREDI, Credefi's native utility tokens, play crucial roles within the platform. $xCREDI grants holders partial ownership of the platform, entitling them to a share of its profits and decision-making power. Ownership of $xCREDI signifies stakeholder status and unlocks exclusive benefits.

Credefi 的原生實用代幣 $CREDI 和 $xCREDI 在平台中扮演至關重要的角色。 $xCREDI 授予持有者平台的部分所有權，使他們有權分享平台的利潤和決策權。 $xCREDI 的所有權標誌著利益相關者的地位並釋放獨家利益。

$CREDI, on the other hand, enhances the borrowing and lending experience on the platform. Lenders can boost their yield by up to 33%, while borrowers can reduce origination fees by the same margin. Lenders can also secure Collateral Protection Insurance (CPI) using $CREDI.

另一方面，$CREDI 增強了平台上的借貸體驗。貸款人可以將其收益率提高高達 33%，而藉款人可以降低相同幅度的發起費用。貸方還可以使用 $CREDI 獲得抵押貸款保護保險 (CPI)。

Addressing the EU Debt Financing Gap

解決歐盟債務融資缺口

Credefi addresses a significant challenge within the EU: the $176 billion debt financing gap faced by SMEs. The platform bridges this gap by connecting lenders with businesses seeking funding, creating opportunities for growth and financial inclusion.

Credefi 解決了歐盟內部的一項重大挑戰：中小企業面臨的 1,760 億美元債務融資缺口。該平台透過將貸款機構與尋求融資的企業聯繫起來，創造成長和金融包容性的機會，彌合了這一差距。

A Community-Centric Approach

以社區為中心的方法

Credefi fosters an engaged community, providing a dedicated platform for interaction and feedback. This approach emphasizes the platform's commitment to inclusivity, transparency, and community building.

Credefi 培養了一個積極參與的社區，提供了一個專門的互動和回饋平台。這種方法強調了平台對包容性、透明度和社區建設的承諾。

Conclusion

結論

As Credefi continues to innovate and integrate TradFi with Web3, the future holds immense potential for EU-based SMEs. Credefi's transformative platform is set to revolutionize the financial landscape, providing accessible financing solutions and empowering both lenders and borrowers. The platform's unwavering commitment to security, its community-centric approach, and its innovative use of utility tokens position it as a leading player in the evolving financial ecosystem.

隨著 Credefi 不斷創新並將 TradFi 與 Web3 整合，未來對歐盟中小企業來說具有巨大的潛力。 Credefi 的變革性平台旨在徹底改變金融格局，提供易於使用的融資解決方案並為貸方和借款方提供支援。該平台對安全性的堅定承諾、以社區為中心的方法以及對實用代幣的創新使用使其成為不斷發展的金融生態系統中的領先參與者。

For further insights into this revolutionary project, visit the official Credefi website or follow their official account on X (formerly Twitter).

要進一步了解這個革命性項目，請訪問 Credefi 官方網站或關注他們在 X 上的官方帳戶（以前稱為 Twitter）。