Intersect Finance 在 Neo X EVM 側鏈測試網上推出借貸平台

Intersect Finance 已在 Neo X EVM 側鏈測試網上推出借貸平台。為了激勵活動，Intersect 目前正在進行積分獎勵活動來對協議進行壓力測試，為用戶提供 100 萬積分池中的份額。

Decentralized finance (DeFi) platform Intersect Finance has announced the launch of its borrowing-and-lending protocol on the Neo X EVM sidechain TestNet. To encourage activity on the platform, Intersect is also running a points reward campaign to stress-test the protocol, offering users a share from a pool of 1 million points.

去中心化金融（DeFi）平台 Intersect Finance 宣佈在 Neo X EVM 側鏈測試網上推出其借貸協議。為了鼓勵平台上的活動，Intersect 還開展了積分獎勵活動來對協議進行壓力測試，為用戶提供 100 萬積分池中的份額。

As the first lending protocol to launch on Neo X, Intersect will power flash loans, high-efficiency borrowing, yield farming, and a tool for rewarding user engagement. The platform was built by Switcheo Labs, a DeFi development studio with deep roots in the Neo ecosystem, dating back to the first COZ dApps competition that concluded at Neo DevCon 1 in January 2018.

作為 Neo X 上推出的第一個借貸協議，Intersect 將為閃電貸、高效藉貸、流動性挖礦以及獎勵用戶參與度的工具提供支援。該平台由 Switcheo Labs 構建，Switcheo Labs 是一家深深紮根於 Neo 生態系統的 DeFi 開發工作室，其歷史可以追溯到 2018 年 1 月在 Neo DevCon 1 上結束的第一屆 COZ dApps 競賽。

The Intersect platform currently enables users to deposit, withdraw, borrow, and repay a loan with the following TestNet assets: SWTH, NEO, WGAS10, USDC, SUDT, WBTC, WETH, WSTETH, and DAI. While the team is launching support for EVM-based assets on Neo X, Intersect ultimately aims to offer support for Neo N3 assets on its platform.

Intersect 平台目前允許用戶使用以下測試網資產進行存款、提款、借款和償還貸款：SWTH、NEO、WGAS10、USDC、SUDT、WBTC、WETH、WSTETH 和 DAI。雖然該團隊正在 Neo X 上推出對基於 EVM 的資產的支持，但 Intersect 的最終目標是在其平台上為其平台上的 Neo N3 資產提供支援。

How to borrow and lend on Intersect Finance

如何在 Intersect Finance 上借貸

Intersect users can supply collateral to the platform and earn interest at rates that are algorithmically adjusted based on the underlying asset’s supply and demand. Notably, Intersect doesn’t impose a minimum deposit amount; however, each supported asset has a supply cap to manage risk and ensure protocol stability. The cap is determined by market conditions and the asset’s general liquidity.

Intersect 用戶可以向平台提供抵押品，並根據根據基礎資產的供需情況透過演算法調整的利率賺取利息。值得注意的是，Intersect 並沒有規定最低存款金額；然而，每種支援的資產都有供應上限，以管理風險並確保協議穩定性。上限由市場狀況和資產的整體流動性決定。

When an asset is deposited, the user receives an aToken (i.e., aUSDC for USDC), representing their supplied balance. When the user returns the aToken, they’ll receive the initial deposit and interest accrued while the asset was lent on Intersect.

當存入資產時，使用者會收到一個 aToken（即 USDC 的 aUSDC），代表其提供的餘額。當用戶歸還 aToken 時，他們將收到初始存款和在 Intersect 上借出資產時產生的利息。

When borrowing an asset, the user faces the potential of liquidation, which is a risk management process that helps protect the protocol’s solvency and lenders. The Health Factor icon represents the user’s risk of potential liquidation – the higher the health factor, the less at risk the user’s loan. To protect a position from liquidation, the borrower can monitor their health factor, add collateral, repay the debt, use risk management tools, and be aware of market volatility.

當借入資產時，使用者面臨清算的可能性，這是一個風險管理流程，有助於保護協議的償付能力和貸方。健康係數圖示代表用戶潛在清算的風險－健康係數越高，使用者貸款的風險越小。為了保護頭寸免遭清算，借款人可以監控其健康狀況、添加抵押品、償還債務、使用風險管理工具並了解市場波動。

The borrow-and-lend features closely resemble those users can find on other platforms, but Intersect will offer two unique features on its protocol.

借貸功能與用戶在其他平台上找到的功能非常相似，但 Intersect 將在其協議上提供兩個獨特的功能。

Flash Loans and Efficiency Mode on Intersect Finance

Intersect Finance 上的閃電貸與效率模式

According to Intersect, Flash Loans are a revolutionary concept in the broader DeFi ecosystem. Users can borrow digital assets from the platform without providing any underlying collateral. The caveat is that the loan is only available for a very brief period of time, typically within the same block that a transaction occurs, which is approximately 10.9 seconds on Neo X at the time of press.

據 Intersect 稱，閃電貸是更廣泛的 DeFi 生態系統中的一個革命性概念。用戶無需提供任何底層抵押品，即可從平台借入數位資產。需要注意的是，貸款僅在非常短的時間內可用，通常在交易發生的同一區塊內，截至發稿時 Neo X 上的時間約為 10.9 秒。

The borrower must build a smart contract to request a flash loan, which includes how the loan will work with payback steps, interest, and fees. The user borrows assets from a lending pool, performs a series of actions or trades, and then returns the borrowed assets (plus the additional fees) to the lending pool. If the loan is repaid successfully, the transaction is confirmed and added to the blockchain. If not, the transaction is reverted, and nothing will happen.

借款人必須建立智能合約來請求閃電貸款，其中包括貸款如何使用還款步驟、利息和費用。使用者從借貸池借入資產，執行一系列作業或交易，然後將借入的資產（加上額外費用）退還至借貸池。如果貸款成功償還，交易將被確認並添加到區塊鏈中。如果沒有，交易將被恢復，並且不會發生任何事情。

Intersect’s Efficiency Mode (or E-Mode) feature is designed to maximize capital efficiency for users when dealing with assets that have correlated prices. E-Mode allows users to put forth lower amounts of collateral to take out loans on particular assets with higher loan-to-value ratios. For example, stablecoins are pegged to the US dollar, offering higher LTV ratios when USDC is used as collateral to borrow USDT.

Intersect 的效率模式（或 E 模式）功能旨在在處理具有相關價格的資產時最大限度地提高使用者的資本效率。 E-Mode允許用戶提供較低數量的抵押品，以獲取貸款價值比較高的特定資產的貸款。例如，穩定幣與美元掛鉤，當使用 USDC 作為抵押品借入 USDT 時，可以提供更高的 LTV 比率。

While E-Mode offers higher leverage opportunities, the ability to borrow other assets is restricted to those within the category (i.e., stablecoins, ETH-correlated assets).

雖然 E 模式提供了更高的槓桿機會，但藉用其他資產的能力僅限於該類別內的資產（即穩定幣、ETH 相關資產）。

The Intersect team has launched a points program to encourage users to test the new borrow-and-lend protocol being built on Neo X.

Intersect 團隊推出了積分計劃，鼓勵用戶測試在 Neo X 上建立的新借貸協議。

Intersect Points Program

交點程序

The Intersect Points program was designed to reward active participants within the platform’s ecosystem. By engaging with various facets of Intersect, users can earn points that unlock benefits within the dApp. Examples of benefits include the ability to participate in governance processes, access to exclusive features and products, potential token airdrops, tier-based benefits and rewards, and community recognition via leaderboards.

Intersect Points 計畫旨在獎勵平台生態系統中的積極參與者。透過參與 Intersect 的各個方面，用戶可以獲得積分，從而解鎖 dApp 中的優勢。好處的例子包括參與治理流程的能力、訪問專有功能和產品、潛在的代幣空投、基於等級的好處和獎勵以及透過排行榜獲得社群認可。

Users can earn points for performing various activities, such as:

使用者可以透過執行各種活動來賺取積分，例如：

The first time they borrow an asset

他們第一次借入資產

The first time they repay an asset

他們第一次償還資產

The first time they liquidate an asset

他們第一次清算資產

The first time they add collateral to a position

他們第一次向頭寸添加抵押品

The first time they withdraw an asset from a position

他們第一次從頭寸中提取資產

The first time they claim rewards from a position

他們第一次從某個職位領取獎勵

The first time they participate in governance

他們第一次參與治理

The first time they vote on a governance proposal

他們第一次對治理提案進行投票

The first time they create a proposal on the governance

他們第一次提出治理提案