加密借貸平台終極指南：它們如何運作以及為什麼它們變得如此受歡迎

如果您對加密貨幣借貸平台的運作方式及其為何如此受歡迎感到好奇，本文將提供正確的答案

The global decentralized finance (DeFi) market, valued at $13.61 billion in 2022, is projected to grow at a compound annual growth rate (CAGR) of 46.0% from 2023 to 2030. This growth indicates the widespread adoption of DeFi and a major transformation in the financial industry.

2022 年，全球去中心化金融(DeFi) 市場價值136.1 億美元，預計2023 年至2030 年將以46.0% 的複合年增長率(CAGR) 增長。 。

Amid this, crypto lending platforms have shaped how people interact with the financial system. They play a major role in decentralized finance (DeFi), providing alternatives to traditional finance, passive income, investment opportunities, and reliable options for lending with or without collateral.

其中，加密借貸平台塑造了人們與金融體系互動的方式。它們在去中心化金融（DeFi）中發揮著重要作用，提供傳統金融的替代方案、被動收入、投資機會以及有或無抵押貸款的可靠選擇。

This article provides the right answer if you are curious about how crypto lending platforms function and why they're becoming so popular, or if you are interested in exploring the leading platforms, their unique features, and how to choose the right one for your needs. You will learn about the top platforms available, their key features, and how to choose the right one.

如果您對加密貨幣借貸平台的運作方式及其為何如此受歡迎感到好奇，或者如果您有興趣探索領先的平台、其獨特的功能以及如何選擇適合您需求的平台，那麼本文將提供正確的答案。您將了解可用的頂級平台、它們的主要功能以及如何選擇合適的平台。

Keep reading!

繼續閱讀！

Key takeaways

重點

What are crypto lending platforms?

什麼是加密借貸平台？

Crypto lending is a decentralized finance service allowing investors to lend their crypto holdings to borrowers. Lenders earn regular crypto interest, like traditional savings account interest. These payments, typically compounded daily, weekly, or monthly, are made in the same cryptocurrency they deposited.

加密貨幣借貸是一種去中心化金融服務，允許投資者將其持有的加密貨幣借給借款人。貸方定期賺取加密貨幣利息，就像傳統儲蓄帳戶利息一樣。這些付款通常每天、每週或每月複利，並以他們存入的相同加密貨幣進行。

Crypto lending platforms connect lenders and borrowers. Lenders deposit crypto into interest-bearing accounts, which the platforms then use to fund loans to borrowers. These platforms offer opportunities for investors to borrow against deposited crypto assets and the ability to lend out crypto to earn interest as crypto rewards.

加密借貸平台連接貸方和借款人。貸方將加密貨幣存入計息帳戶，然後平台用該帳戶為借款人提供貸款。這些平台為投資者提供了以存入的加密資產為抵押進行借貸的機會，以及借出加密貨幣以賺取利息作為加密貨幣獎勵的能力。

The platforms determine lending and borrowing interest rates, managing their profit margins. These rates differ across platforms and cryptocurrencies. Service fees may apply, and higher lending rates are often offered for fixed-term deposits.

這些平台決定借貸利率，管理其利潤率。這些費率因平台和加密貨幣而異。可能會收取服務費，定期存款通常會提供更高的貸款利率。

Crypto lending platforms can be centralized or decentralized. Depending on the platform and various factors, lenders may earn high interest rates, with annual percentage yields (APYs) reaching 15% or more.

加密貨幣借貸平台可以是集中式的，也可以是分散式的。根據平台和各種因素的不同，貸方可能會賺取高利率，年收益率 (APY) 達到 15% 或更高。

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嘗試一下，您可以隨時取消訂閱。隱私權政策。

Within the DeFi ecosystem, crypto lending platforms function without using smart contracts, ensuring transparency and global access. Users earn passive income or borrow without credit checks. However, in the CeFi ecosystem, centralized platforms manage the lending operations, offering user-friendly interfaces and regulatory compliance, bridging traditional finance and crypto.

在 DeFi 生態系統中，加密借貸平台無需使用智慧合約即可運行，從而確保透明度和全球存取。用戶無需信用檢查即可賺取被動收入或借款。然而，在 CeFi 生態系統中，中心化平台管理借貸業務，提供用戶友好的介面和監管合規性，連接傳統金融和加密貨幣。

Best crypto lending platforms in 2025

2025 年最佳加密貨幣借貸平台

1. Aave

1. 幽靈

Aave is a decentralized finance (DeFi) platform for borrowing and lending cryptocurrency. It is built on the Ethereum blockchain and offers low interest rates and features like no-collateral flash loans. The platform is best for DeFi lending. 

Aave 是一個用於借貸加密貨幣的去中心化金融（DeFi）平台。它建立在以太坊區塊鏈上，提供低利率和無抵押閃電貸等功能。該平台最適合 DeFi 借貸。

Platform Overview:

平台概述：

Lending and Borrowing Features:

借貸特點：

Security and Risk Management:

安全與風險管理：

Unique Features:

獨特的特點：

Recent Developments:

最新進展：

2. Binance

2. 幣安

Binance is one of the world’s largest centralized exchanges. It offers various services, including cryptocurrency loans with low annual interest rates. Binance loans allow users to borrow cryptocurrencies or stablecoins using their existing digital assets as collateral.

幣安是全球最大的中心化交易所之一。它提供各種服務，包括低年利率的加密貨幣貸款。幣安貸款允許用戶使用現有的數位資產作為抵押品借入加密貨幣或穩定幣。

Platform Overview:

平台概述：

Lending and Borrowing Features:

借貸特點：

Security and Risk Management:

安全與風險管理：

Unique Features:

獨特的特點：

Recent Developments:

最新進展：

3. Compound

3. 複合

Compound is an Ethereum-based DeFi protocol that allows users to borrow assets and earn interest on deposits. 

複合是一種基於以太坊的 DeFi 協議，允許用戶借入資產並賺取存款利息。

Platform Overview:

平台概述：

Lending and Borrowing Features:

借貸特點：

Security and Risk Management:

安全與風險管理：

Unique Features:

獨特的特點：

Recent Developments:

最新進展：

4. Wirex

Wirex is a UK-based platform that supports more than 25 cryptocurrencies as collateral, including Bitcoin and Ethereum, and gives you stablecoin up to 70% of the value of your cryptocurrency, with a 6-month payment deadline.

Wirex 是一家總部位於英國的平台，支援超過 25 種加密貨幣作為抵押品，包括比特幣和以太坊，並為您提供高達加密貨幣價值 70% 的穩定幣，付款期限為 6 個月。

Platform Overview:

平台概述：

Lending and Borrowing Features:

借貸特點：

Security and Risk Management:

安全與風險管理：

Unique Features:

獨特的特點：

Recent Developments:

最新進展：

5. YouHodler

5.尤霍德勒

YouHodler is a centralized platform offering exchange services and crypto-backed loans with high LTVs.

YouHodler 是一個中心化平台，提供高 LTV 的交易服務和加密貨幣支援的貸款。

Platform Overview:

平台概述：

Lending and Borrowing Features:

借貸特點：

Security and Risk Management:

安全與風險管理：

Unique Features:

獨特的特點：

Recent Developments:

最新進展：

6. Crypto.com

6. 加密網

Crypto.com is a well-known exchange platform offering lending and borrowing services and other services, including trading crypto.

Crypto.com 是一家著名的交易平台，提供借貸服務以及其他服務，包括交易加密貨幣。

Platform Overview:

平台概述：

Lending and Borrowing Features:

借貸特點：

Trading Features:

交易特點：

Security and Compliance:

安全與合規性：

Unique Features:

獨特的特點：

Recent Developments:

最新進展：

7. CoinRabbit

7.幣兔

CoinRabbit is a crypto lending platform with over 130 available coins. The platform provides various types of cryptocurrency lending solutions, such as crypto-backed over collateralized loans and cryptocurrency deposits.

CoinRabbit 是一個加密借貸平台，擁有超過 130 種可用硬幣。該平台提供各種類型的加密貨幣借貸解決方案，例如加密貨幣抵押貸款和加密貨幣存款。

Platform Overview:

平台概述：

Lending and Borrowing Features:

借貸特點：

Interest-Earning Accounts:

生息帳戶：

Security and Risk Management:

安全與風險管理：

Unique Features:

獨特的特點：

Recent Developments:

最新進展：

8. Alchemix

8.煉金術士

Alchemix offers self-repaying loans by staking your collateral in protocols like Yearn. The returns generated automatically pay off your loan, eliminating the need for monthly payments.

Alchemix 透過將抵押品抵押在 Yearn 等協議中來提供自還貸款。產生的回報會自動償還您的貸款，無需每月還款。

Platform

平台