掌握加密借貸的藝術：解鎖最大回報

如果您正在尋求加密貨幣的利息，類似於在銀行賺取利息，請考慮加密貨幣借貸平台。以下是截至 2024 年 4 月的有競爭力的匯率：BTC、WBTC、ETH、USDT 和 USDC。深入研究了 CeFi 和 DeFi 平台的比較優缺點，重點介紹了領先的供應商，包括 Nexo、Crypto.com、CoinLoan、Binance Savings、YouHodler、Aave、Compound、Alchemix 和 Mango。討論了選擇加密貨幣借貸平台時需要考慮的重要因素，例如壽命、成本和費用、平台風險、抵押品金額和最低存款。這篇文章強調了圍繞加密貨幣借貸的安全問題，特別是在攝氏度崩潰之後，並提供了對信譽良好的平台當前實施的安全措施的見解。此外，本文也探討了與 CeFi 和 DeFi 借貸平台相關的潛在風險。

Embark on a Lucrative Journey: Master the Art of Crypto Lending for Maximum Returns

踏上利潤豐厚的旅程：掌握加密借貸的藝術以獲得最大回報

In the ever-evolving crypto landscape, maximizing the potential of your digital assets is paramount. Enter crypto lending platforms, an innovative bridge that empowers investors to earn compelling interest on their cryptocurrencies, mirroring the traditional banking experience. With the industry witnessing a proliferation of options, navigating the complexities of crypto lending can be daunting. Fear not, for this comprehensive guide will arm you with the knowledge and insights necessary to discern the best crypto lending platforms, enabling you to unlock exceptional returns.

在不斷發展的加密貨幣領域，最大限度地發揮數位資產的潛力至關重要。進入加密借貸平台，這是一個創新的橋樑，使投資者能夠透過其加密貨幣賺取引人注目的利息，這反映了傳統的銀行業務體驗。隨著行業內選擇的增多，應對加密貨幣貸款的複雜性可能會令人望而生畏。不要害怕，因為這篇全面的指南將為您提供識別最佳加密貨幣借貸平台所需的知識和見解，使您能夠獲得卓越的回報。

Types of Crypto Lending Platforms: Understanding the Differences

加密借貸平台的類型：了解差異

The crypto lending arena encompasses two primary types of platforms: centralized finance (CeFi) and decentralized finance (DeFi).

Centralized Finance (CeFi) Platforms

集中式金融 (CeFi) 平台

CeFi platforms operate akin to traditional banks, entrusting a central entity or company with the safekeeping of your crypto assets. These platforms often implement KYC (Know Your Customer) and AML (Anti-Money Laundering) practices, requiring clients to share personal information. While this may not align with the ethos of decentralization prevalent in the crypto realm, it offers the comfort of knowing that a regulated entity is overseeing your investments. CeFi platforms often provide higher interest rates than traditional savings accounts, ranging from 5% to 18%.

CeFi 平台的運作類似傳統銀行，委託中央實體或公司保管您的加密資產。這些平台通常實施 KYC（了解您的客戶）和 AML（反洗錢）做法，要求客戶分享個人資訊。雖然這可能與加密貨幣領域盛行的去中心化精神不符，但它讓您放心地知道受監管的實體正在監督您的投資。 CeFi 平台通常提供比傳統儲蓄帳戶更高的利率，從 5% 到 18% 不等。

Decentralized Finance (DeFi) Platforms

去中心化金融（DeFi）平台

DeFi platforms embrace the principles of decentralization, eliminating the need for intermediaries. Instead, smart contract-based algorithms govern the lending and borrowing process, enabling users to maintain complete control over their funds. KYC verification is not required, providing enhanced privacy but also eliminating the possibility of seeking recourse in case of any mishaps. DeFi platforms generally offer lower interest rates compared to their CeFi counterparts but provide the freedom to transact anonymously.

DeFi 平台遵循去中心化原則，消除了對中介機構的需求。相反，基於智能合約的演算法控制借貸過程，使用戶能夠保持對其資金的完全控制。不需要 KYC 驗證，從而增強了隱私性，​​同時也消除了在發生任何事故時尋求追索的可能性。與 CeFi 平台相比，DeFi 平台通常提供較低的利率，但提供匿名交易的自由。

Best CeFi Lending Rates

Nexo

關係

Nexo stands as a titan among crypto lending platforms, boasting assets under management exceeding $12 billion and a sprawling user base spanning 3 million worldwide. Its intuitive interface and competitive interest rates, reaching up to 18% on various digital assets, make it an ideal platform for beginners and experienced investors alike. Nexo also supports a wide range of cryptocurrencies, including BTC, ETH, and stablecoins like USDC and USDT, offering interest rates that far surpass those offered by traditional savings accounts.

Nexo 是加密借貸平台中的巨頭，管理的資產超過 120 億美元，在全球擁有 300 萬龐大的用戶群。其直覺的介面和具有競爭力的利率（各種數位資產高達 18%）使其成為初學者和經驗豐富的投資者的理想平台。 Nexo 也支援多種加密貨幣，包括 BTC、ETH 以及 USDC 和 USDT 等穩定幣，提供的利率遠遠超過傳統儲蓄帳戶的利率。

Crypto.com

加密網

Crypto.com has emerged as a formidable player in the cryptocurrency industry, offering a comprehensive suite of services, including exchange, lending, and non-fungible tokens (NFTs). The platform's Crypto Earn product has consistently yielded interest rates exceeding 10% on various digital assets, including its native token, Crypto.com Coin. By staking more of this token, users can unlock even higher interest rates, further amplifying their earning potential. Crypto.com's partnership with Visa to settle transactions on its payment network is a testament to its credibility and reliability.

Crypto.com 已成為加密貨幣行業的強大參與者，提供全面的服務，包括交易、借貸和不可替代代幣 (NFT)。該平台的 Crypto Earn 產品對各種數位資產（包括其原生代幣 Crypto.com Coin）的利率始終超過 10%。透過抵押更多該代幣，用戶可以解鎖更高的利率，進一步放大他們的獲利潛力。 Crypto.com 與 Visa 合作在其支付網路上結算交易，這證明了其可信度和可靠性。

CoinLoan

幣貸

CoinLoan specializes in crypto lending, empowering users to earn daily interest without locking up their funds. The platform supports a diverse range of assets, including stablecoins, cryptocurrencies, and fiat currencies. Its interest rates on popular coins such as Bitcoin and Ethereum hover around 7.2%, while stablecoins command rates as high as 12.3%. CoinLoan employs a robust security infrastructure, including insured custody, vulnerability scans, and cold crypto storage, ensuring the protection of user funds.

CoinLoan 專注於加密貨幣借貸，使用戶能夠在不鎖定資金的情況下賺取每日利息。該平台支援多種資產，包括穩定幣、加密貨幣和法定貨幣。比特幣和以太幣等流行代幣的利率徘徊在 7.2% 左右，而穩定幣的利率則高達 12.3%。 CoinLoan採用強大的安全基礎設施，包括保險託管、漏洞掃描和冷加密存儲，確保用戶資金的保護。

Binance Savings

幣安儲蓄

Binance Savings is the crypto lending arm of Binance, the world's largest cryptocurrency exchange by trading volume. The platform offers two options: flexible savings and locked savings. Flexible savings allows for instant withdrawals, while locked savings offers higher interest rates for longer deposit periods. Binance provides particularly attractive interest rates on its proprietary stablecoin, BUSD, making it a compelling option for those seeking stability and yield.

Youhodler

尤霍德勒

Youhodler, a Swiss-based fintech platform, focuses on crypto lending and exchange services. Users can earn interest on deposits in BTC, USDC, TUSD, PAX, and other cryptocurrencies, with interest paid weekly at rates ranging from 5% for BTC and ETH to over 12% for stablecoins. Additionally, the platform offers crypto loans with varying loan-to-value (LTV) ratios and durations. Youhodler's robust security measures and commitment to user satisfaction have garnered it a strong reputation within the industry.

Youhodler 是一家總部位於瑞士的金融科技平台，專注於加密貨幣借貸和兌換服務。用戶可以透過 BTC、USDC、TUSD、PAX 和其他加密貨幣的存款賺取利息，每週支付利息，利率從 BTC 和 ETH 的 5% 到穩定幣的 12% 以上不等。此外，該平台還提供具有不同貸款價值（LTV）比率和期限的加密貨幣貸款。 Youhodler 強大的安全措施和對用戶滿意度的承諾使其在業界贏得了良好的聲譽。

Best DeFi Lending Rates

最佳 DeFi 貸款利率

Aave

鬼

Aave is a DeFi lending powerhouse, enabling users to borrow and lend money without intermediaries. Its extensive support for cryptocurrencies, including ETH, USDC, DAI, and USDT, caters to a diverse range of investors. Aave users can enjoy attractive interest rates on both sides of the lending equation, with rates varying based on market conditions and the asset being lent or borrowed.

Aave 是 DeFi 借貸巨頭，讓用戶無需中介即可藉貸。它對加密貨幣（包括 ETH、USDC、DAI 和 USDT）的廣泛支持，滿足了多元化的投資者的需求。 Aave 用戶可以在貸款等式兩邊享受有吸引力的利率，利率會根據市場狀況和借出或借出的資產而變化。

Compound

化合物

Compound, like Aave, is a highly influential DeFi lending platform that pioneered the concept of decentralized lending. Its user-friendly interface and support for over 20 cryptocurrencies make it accessible to both novice and seasoned investors. Compound also rewards its users with its native token, COMP, which confers voting rights and governance privileges.

與 Aave 一樣，Compound 是一個極具影響力的 DeFi 借貸平台，開創了去中心化借貸的概念。其用戶友好的介面和對 20 多種加密貨幣的支持使新手和經驗豐富的投資者都可以使用它。 Compound 也以其原生代幣 COMP 獎勵其用戶，該代幣授予投票權和治理特權。

Alchemix

煉金術士

Alchemix introduces a unique twist in the DeFi lending landscape with its self-paying loans. By depositing DAI, users can obtain loans up to 50% LTV, which are disbursed in the form of alUSD, Alchemix's native USD-backed stablecoin. The loan is gradually repaid over time using the net returns generated by staking the initial DAI principal, providing borrowers with a convenient and automated way to access liquidity.

Alchemix 透過自付貸款為 DeFi 借貸領域帶來了獨特的變化。透過存入 DAI，用戶可以獲得高達 50% LTV 的貸款，這些貸款以 Alchemix 原生的美元支持的穩定幣 alUSD 的形式支付。隨著時間的推移，利用質押初始 DAI 本金產生的淨回報逐步償還貸款，為借款人提供了一種便捷且自動化的獲取流動性的方式。

Mango

芒果

Mango, a decentralized cryptocurrency exchange, also incorporates a DeFi lending service. Users can borrow and lend various cryptocurrencies, including the platform's native MNGO token, at competitive interest rates. Notably, Mango's protocol is currently undergoing an upgrade, with the v4 update expected to relaunch the platform in the first half of 2023.

Mango 是一家去中心化加密貨幣交易所，也提供 DeFi 借貸服務。用戶可以以具有競爭力的利率借入和借出各種加密貨幣，包括該平台的原生 MNGO 代幣。值得注意的是，Mango 的協議目前正在進行升級，v4 更新預計將於 2023 年上半年重新啟動平台。

How to Select the Best Crypto Lending Platforms

如何選擇最佳的加密貨幣借貸平台

Selecting the ideal crypto lending platform requires careful consideration, given the rapidly evolving nature of the industry. Here are some key factors to guide your decision:

鑑於該行業快速發展的性質，選擇理想的加密貨幣借貸平台需要仔細考慮。以下是指導您做出決定的一些關鍵因素：

1. Longevity: Seek platforms with a proven track record of at least two years, indicating their stability and resilience.

1. 壽命長：尋求具有至少兩年良好記錄的平台，以表明其穩定性和彈性。

2. Costs and Fees: Consider the fees associated with withdrawals, accessing loans, and other operations. Ethereum gas fees, often overlooked, can significantly impact your returns.

2. 成本和費用：考慮與提款、貸款和其他操作相關的費用。經常被忽視的以太坊汽油費可能會嚴重影響您的回報。

3. Platform Risks: Conduct thorough research on the reputation and security measures of CeFi platforms. For DeFi platforms, assess their track record and community feedback.

3. 平台風險：對CeFi平台的聲譽和安全措施進行深入研究。對於 DeFi 平台，評估其業績記錄和社群回饋。

4. Collateral Amount: Understand the collateral requirements for borrowers. Adequate collateralization protects lenders in the event of market downturns. Aim for platforms with collateralization levels of at least 100%.

4. 抵押品金額：了解借款人的抵押品要求。充足的抵押可以在市場低迷時保護貸款人。目標是抵押水準至少為 100% 的平台。

5. Minimum Deposit: Consider the minimum investment required to participate in the platform. Use a crypto interest calculator to determine your actual interest earnings after factoring in fees and taxes.

5. 最低存款：考慮參與平台所需的最低投資。使用加密貨幣利息計算器來確定您在考慮費用和稅收後的實際利息收入。

Understanding the Mechanics of Crypto Lending

了解加密借貸的機制

Crypto lending acts as a bridge between investors seeking passive income and borrowers utilizing their digital assets as collateral. A crypto lending platform facilitates these transactions.

加密貸款充當尋求被動收入的投資者和利用其數位資產作為抵押品的借款人之間的橋樑。加密借貸平台促進了這些交易。

1. Lenders: Investors lend their digital assets to earn interest on their idle holdings.

2. Borrowers: Borrowers obtain loans by pledging their digital assets as collateral.

2.借款人：借款人以自己的數位資產作為抵押品獲得貸款。

3. Platforms: These third-party platforms connect lenders and borrowers, managing the lending process and safeguarding the assets involved.

3. 平台：這些第三方平台連接貸款人和借款人，管理貸款流程並保護所涉及的資產。

DeFi vs. CeFi Lending: A Comparative Analysis

DeFi 與 CeFi 借貸：比較分析

While both DeFi and CeFi lending enable the exchange of digital assets, their underlying infrastructure dictates their respective advantages and disadvantages.

雖然 DeFi 和 CeFi 借貸都可以實現數位資產的交換，但它們的底層基礎設施決定了它們各自的優缺點。

DeFi Lending

DeFi 借貸

• Non-custodial: Only the user controls their funds.
• Anonymity: No KYC or AML verification required.
• Limited Accountability: Lack of centralized authority can hinder dispute resolution.

CeFi Lending

非託管：只有用戶控制其資金。匿名：無需 KYC 或 AML 驗證。有限責任：缺乏集中權力會阻礙爭議解決。CeFi 借貸

• Custodial: Third-party intermediaries hold user funds.
• Regulation: Adheres to KYC and AML protocols.
• Wider Service Offering: Supports fiat currency transactions and tailored financial services.

The Ongoing Safety of Crypto Lending

託管：第三方中介機構持有用戶資金。監管：遵守 KYC 和 AML 協議。更廣泛的服務提供：支援法定貨幣交易和客製化金融服務。加密借貸的持續安全性

The collapse of Celsius, a once-prominent CeFi crypto lending platform, has raised concerns about the safety of crypto lending. However, it is crucial to recognize that not all platforms are created equal. Reputable CeFi platforms, such as Binance and Nexo, prioritize fund security and user protection. DeFi lending remains a viable alternative, as users maintain complete control over their assets.

曾經著名的 CeFi 加密借貸平台攝氏度的倒閉引發了人們對加密借貸安全性的擔憂。然而，重要的是要認識到並非所有平台都是平等的。 Binance 和 Nexo 等信譽良好的 CeFi 平台優先考慮資金安全和用戶保護。 DeFi 借貸仍然是一種可行的選擇，因為使用者對其資產保持完全控制。

Investor Takeaway

投資者要點

Crypto lending platforms offer a compelling avenue to maximize the potential of your crypto holdings. By carefully selecting a platform based on the factors outlined in this guide, you can tap into a lucrative source of passive income. Remember to conduct thorough research and consider your risk tolerance. Embrace the power of crypto lending and embark on a journey of financial growth and abundance.

加密貨幣借貸平台提供了一個引人注目的途徑，可以最大限度地發揮您所持有的加密貨幣的潛力。透過根據本指南中概述的因素仔細選擇平台，您可以利用利潤豐厚的被動收入來源。請記住進行徹底的研究並考慮您的風險承受能力。擁抱加密貨幣借貸的力量，踏上金融成長和富裕的旅程。