Marginfi 推出革命性的抵押品償還，改變貸款管理和投資策略

Marginfi 推出了「抵押還款」這項突破性功能，使用戶能夠用現有存款作為抵押來償還貸款。這項創新提高了財務管理的靈活性和效率，使投資者無需清算資產或註入額外現金即可維持投資部位。它有效地實現了投資組合管理、平衡槓桿和流動性的策略方法。

Marginfi Unveils Collateral Repay for Enhanced Loan Management and Investment Strategy

Marginfi 推出抵押償還以加強貸款管理和投資策略

London, United Kingdom - March 26, 2024: Marginfi, a leading decentralized finance (DeFi) protocol, has introduced "Collateral Repay," an innovative feature that empowers users to seamlessly repay loans using their existing collateral deposits. This highly anticipated development represents a significant advancement in the financial flexibility and efficiency offered by Marginfi's platform.

英國倫敦 - 2024 年 3 月 26 日：領先的去中心化金融 (DeFi) 協議 Marginfi 推出了「抵押品償還」這項創新功能，使用戶能夠使用現有的抵押品存款無縫償還貸款。這項備受期待的發展代表了 Marginfi 平台提供的財務靈活性和效率的重大進步。

Addressing a Common Financial Challenge

應對共同的財務挑戰

Collateral Repay addresses a prevalent challenge faced by individuals in financial markets: the need to liquidate assets or acquire additional funds to repay loans. Traditional loan repayment methods often require borrowers to sell off assets, potentially at an unfavorable time, or inject more cash into their accounts, which may not always be feasible.

抵押貸款償還解決了金融市場中個人面臨的普遍挑戰：需要變現資產或獲得額外資金來償還貸款。傳統的貸款償還方法通常要求借款人在不利的時間出售資產，或向其帳戶注入更多現金，這可能並不總是可行。

Empowering Strategic Investment Decisions

賦予策略性投資決策權力

Marginfi's Collateral Repay feature enables users to directly utilize deposited assets for loan repayments, streamlining the process and enhancing investment strategy. By using collateral for repayment, users can avoid the need to sell assets, mitigating potential capital gains taxes or missing out on advantageous market movements. This effectively facilitates a more strategic approach to portfolio management, allowing users to balance leverage and liquidity without compromising their long-term investment objectives.

Marginfi的抵押還款功能使用戶能夠直接利用存入的資產來償還貸款，簡化了流程並增強了投資策略。透過使用抵押品還款，用戶可以避免出售資產、減輕潛在的資本利得稅或錯過有利的市場趨勢。這有效地促進了更具策略性的投資組合管理方法，使用戶能夠在不影響其長期投資目標的情況下平衡槓桿和流動性。

Enhanced Risk Management

加強風險管理

From a risk management perspective, the ability to repay loans with collateral reduces the likelihood of margin calls. Margin calls occur when a loan's collateral value falls below a certain threshold, prompting the lender to demand immediate repayment or additional collateral. By using collateral to repay loans, users can maintain a higher collateral-to-loan ratio, minimizing the chances of a margin call.

從風險管理的角度來看，用抵押品償還貸款的能力降低了追加保證金的可能性。當貸款的抵押品價值低於一定門檻時，就會發生追加保證金通知，促使貸款人要求立即償還或提供額外的抵押品。透過使用抵押品償還貸款，用戶可以維持較高的抵押貸款比率，從而最大限度地減少追加保證金的可能性。

Decentralized Stablecoins: A Growing Trend

去中心化穩定幣：不斷成長的趨勢

Amidst the rising popularity of decentralized finance, decentralized stablecoins have emerged as viable alternatives to traditional centralized issuers. Marginfi's upcoming stablecoin, YBX, is a prime example of this innovative shift. YBX is a yield-bearing stablecoin that distributes staking rewards directly to its holders, offering a unique combination of stability and passive income generation.

隨著去中心化金融的日益普及，去中心化穩定幣已成為傳統中心化發行人的可行替代品。 Marginfi 即將推出的穩定幣 YBX 是這種創新轉變的典型例子。 YBX 是一種產生收益的穩定幣，它直接向持有者分配質押獎勵，提供穩定性和被動創造收入的獨特組合。

Conclusion

結論

Marginfi's Collateral Repay feature is a significant advancement in loan management and investment strategy, providing users with greater flexibility and control over their financial decisions. The platform's commitment to decentralized finance, exemplified by its upcoming YBX stablecoin, positions Marginfi as a leader in the rapidly evolving DeFi landscape. As the industry continues to embrace decentralization, Marginfi remains at the forefront, empowering users with innovative and accessible financial solutions.

Marginfi 的抵押貸款償還功能是貸款管理和投資策略的重大進步，為用戶提供了更大的靈活性和對其財務決策的控制。該平台對去中心化金融的承諾（其即將推出的 YBX 穩定幣就是例證）使 Marginfi 成為快速發展的 DeFi 領域的領導者。隨著業界不斷擁抱去中心化，Marginfi 仍然處於領先地位，為用戶提供創新且易於使用的金融解決方案。