總部位於直布羅陀的Xapo銀行擴展到比特幣支持的貸款，提供高達100萬美元的貸款

Xapo Bank是一家總部位於直布羅陀的金融機構，正登上由比特幣支持的貸款，向長期BTC持有人提供高達100萬美元的貸款。

Gibraltar-based Xapo Bank is introducing a unique service by offering Bitcoin-backed loans of up to $1 million to long-term BTC holders.

總部位於直布羅陀的Xapo Bank通過向長期BTC持有人提供比特幣支持的貸款最高100萬美元，從而引入了獨特的服務。

As announced today, eligible clients can now access U.S. dollar loans without selling their Bitcoin. The move marks a comeback for crypto lending following the failures of Celsius and BlockFi last year.

正如今天宣布的那樣，符合條件的客戶現在可以在不出售比特幣的情況下獲得美元貸款。此舉標誌著去年Celsius和Blockfi失敗之後加密貸款的捲土重來。

While trust in borrowers was affected by those events, there’s been increasing demand for Bitcoin-backed loans, especially from high-net-worth individuals and institutional investors needing liquidity, Seamus Rocca, Xapo’s CEO, explained.

Xapo的首席執行官Seamus Rocca解釋說，儘管對借款人的信任受到這些事件的影響，但人們對比特幣支持的貸款的需求不斷增加，尤其是來自需要流動性的高淨值個人和機構投資者，XAPO首席執行官Seamus Rocca解釋說。

“At Xapo, we are keenly aware of the trust that has been placed in us by our clients and the broader industry. It is a trust we do not take lightly, especially in light of the recent events that have unfolded, casting a shadow of doubt on the stability and reliability of some crypto lending platforms,” Rocca added.

Rocca補充說：“在Xapo，我們敏銳地意識到客戶和更廣泛的行業對我們的信任。

The bank will provide instant alerts if BTC prices experience a significant drop, allowing borrowers to quickly top up collateral or make repayments to avoid liquidation. Xapo also includes risk management tools and claims to have “proactive security features” in place.

如果BTC價格大幅下降，則銀行將提供即時警報，從而使借款人可以快速加倍抵押品或還款以避免清算。 XAPO還包括風險管理工具，並索賠具有“主動安全功能”。

Announced earlier this month, Bitcoin developer Blockstream secured a multibillion-dollar investment to launch new institutional funds, two of which will focus on BTC lending.

比特幣開發商BlockStream於本月初宣布，獲得了數十億美元的投資，以啟動新的機構資金，其中兩個將重點放在BTC貸款上。

Founded in 2013, Xapo Bank transitioned from a Bitcoin wallet to an e-money wallet and operates as a “digital-first” retail bank and virtual asset service provider (VASP) custodian. It guarantees USD deposits up to €100,000 and uses multi-party computation (MPC) technology for security.

Xapo銀行成立於2013年，從比特幣錢包過渡到電子貨幣錢包，並作為“數字優先”零售銀行和虛擬資產服務提供商（VASP）Custodian運營。它保證了最高可達100,000歐元的美元存款，並使用多方計算（MPC）技術進行安全。

Having secured a UK banking license through a passporting scheme operated by the Financial Conduct Authority (FCA), Prudential Regulation Authority (PRA), Bank of England, and Gibraltar authorities, Xapo is the first UK bank to offer interest-bearing bitcoin and fiat accounts.

Xapo通過金融行為管理局（FCA），審慎監管局（PRA），英格蘭銀行和直布羅陀當局執行的護照計劃獲得了英國銀行許可證，XAPO是英國第一家提供利息比特幣和FIAT帳戶的銀行。

The bank’s platform provides a 1% interest rate on bitcoin without any staking, lending, or locking up of assets. Users can also spend bitcoin via Xapo’s debit card, send GBP payments to UK accounts, invest in S&P 500 stocks, acquire select cryptocurrencies, and access stablecoin payment rails with USD accounts.

該銀行的平台在沒有任何資產，貸款或鎖定資產的情況下提供1％的比特幣利率。用戶還可以通過XAPO的借記卡來花費比特幣，將GBP付款發送到英國帳戶，投資500股股票，獲取精選的加密貨幣，並使用USD帳戶訪問Stablecoin付款欄。

Fintech firms have faced difficulties in securing UK licenses, but Xapo Bank, regulated by the Gibraltar Financial Services Commission since 2021, meets the UK’s regulatory standards.

金融科技公司在獲得英國許可方面面臨困難，但是自2021年以來，由直布羅陀金融服務委員會監管的Xapo銀行符合英國的監管標準。