Untangled Finance 將現實世界資產整合到區塊鏈上，實現民主化的私人信貸

專注於現實世界資產 (RWA) 的 Untangled Finance 在 Celo 區塊鏈上推出了首個證券化信用池，標誌著傳統金融與區塊鏈技術的融合向前邁出了重要一步。該資金池符合盧森堡證券化法規，並由屬於金融科技 Karmen 的多種法國營運資本資產作為擔保，債務限額設定為 600 萬美元。

Untangled Finance Pioneers Integration of Real-World Assets with Blockchain Technology

Untangled Finance 開創了現實世界資產與區塊鏈技術的整合

London, May 2, 2024 - Untangled Finance, a leading protocol specializing in real-world assets (RWAs), has made a significant breakthrough in the convergence of traditional finance and blockchain technology. The company has launched its first securitized credit pool on the Celo blockchain, opening new avenues for democratizing access to private credit for decentralized finance (DeFi) investors.

倫敦，2024 年 5 月 2 日 - Untangled Finance 是專門研究現實世界資產（RWA）的領先協議，在傳統金融與區塊鏈技術的融合方面取得了重大突破。該公司在 Celo 區塊鏈上推出了第一個證券化信貸池，為去中心化金融 (DeFi) 投資者民主化獲得私人信貸開闢了新途徑。

This trailblazing initiative, in line with Luxembourg securitization regulations, is secured by a portfolio of French working capital assets owned by fintech Karmen. The debt limit for this initial pool is set at US$6 million, providing a robust foundation for the venture.

這項開創性措施符合盧森堡證券化法規，由金融科技卡門 (Karmen) 擁有的法國營運資本資產組合提供擔保。該初始池的債務限額設定為 600 萬美元，為該合資企業提供了堅實的基礎。

Credit Collective, a reputable financial institution backed by Fasanara Capital as senior lender, has extended a comprehensive agreement that includes a €100 million line of credit for Karmen. This collaboration complements the launch of the securitized credit pool, assuring comprehensive credit analysis for eligible investors through a rigorous know-your-customer (KYC) verification process. The robust KYC checks ensure the safeguard of assets against potential insolvency of the originator, providing peace of mind for investors.

由 Fasanara Capital 作為高級貸款人支持的信譽良好的金融機構 Credit Collective 已延長一項全面協議，其中包括為 Karmen 提供 1 億歐元的信貸額度。此次合作是對證券化信用池推出的補充，確保透過嚴格的了解你的客戶（KYC）驗證流程為合格投資者提供全面的信用分析。嚴格的 KYC 檢查可確保資產免受發起人可能破產的影響，讓投資者高枕無憂。

"Private credit has traditionally been a domain reserved for large financial institutions due to complexities in asset verification and liquidity issues," said Manrui Tang and Quan Le, co-founders of Untangled Finance. "Our mission is to shatter these barriers, democratizing access to these investment opportunities for DeFi investors globally, while simultaneously expanding access to capital and fostering the growth of the economy's driving forces – small and medium-sized enterprises (SMEs)."

「由於資產驗證和流動性問題的複雜性，民間信貸歷來是大型金融機構的專屬領域，」Untangled Finance 聯合創始人唐曼瑞和全樂表示。 “我們的使命是打破這些障礙，為全球 DeFi 投資者提供民主化的投資機會，同時擴大資本獲取管道並促進經濟驅動力——中小企業（SME）的增長。”

Untangled Finance, with its inception in 2020, has consistently tokenized real-world collateral, including invoices and SME loans, fostering partnerships with over 140 fintech lenders. The launch of the Karmen token pool marks a strategic milestone for Untangled, paving the way for the introduction of the on-chain Fasanara Diversified Fund and a senior note backed by Eastern European invoice financial assets.

Untangled Finance 於 2020 年成立，一直將現實世界的抵押品（包括發票和中小企業貸款）代幣化，與 140 多家金融科技貸方建立了合作夥伴關係。 Karmen代幣池的推出標誌著Untangled的一個戰略里程碑，為推出鏈上Fasanara多元化基金和東歐發票金融資產支持的高級票據鋪平了道路。

Isha Varshney, Head of Ecosystem at Celo Foundation, lauded Untangled's pioneering efforts: "By integrating on-chain fintech lending with innovative credit assessment models, Untangled harnesses the transformative potential of real-world tokenized assets to democratize access to finance and risk management for individuals and businesses worldwide."

Celo 基金會生態系統負責人Isha Varshney 讚揚了Untangled 的開創性努力：「透過將鏈上金融科技借貸與創新的信用評估模型相結合，Untangled 利用現實世界代幣化資產的變革潛力，實現個人融資和風險管理的民主化以及世界各地的企業。

The significance of RWAs in decentralized ecosystems like Ethereum and Solana cannot be understated, as they embody a substantial portion of the value locked (TVL) in these networks. While Celo's TVL currently stands at approximately US$100 million, Manrui Tang emphasized the strategic significance of choosing this blockchain for Untangled's initiatives. The shared vision for the future potential of RWAs aligns with Celo's mission to foster a more inclusive and equitable financial landscape.

RWA 在以太坊和 Solana 等去中心化生態系統中的重要性不可低估，因為它們體現了這些網路中鎖定價值 (TVL) 的很大一部分。雖然 Celo 的 TVL 目前約為 1 億美元，但 Manrui Tang 強調了選擇該區塊鏈對於 Untangled 計劃的戰略意義。對 RWA 未來潛力的共同願景與 Celo 打造更具包容性和公平的金融格局的使命相一致。

Undoubtedly, Untangled Finance's pioneering venture marks a turning point in the seamless integration of real-world assets into the realm of blockchain technology. This fusion of traditional finance and blockchain holds immense promise for expanding access to private credit, unlocking new opportunities for investors, and fostering economic growth through the empowerment of SMEs.

毫無疑問，Untangled Finance的開創性投資標誌著現實世界資產無縫整合到區塊鏈技術領域的轉捩點。傳統金融和區塊鏈的整合為擴大私人信貸的獲取、為投資者釋放新的機會以及透過中小企業賦權促進經濟成長帶來了巨大的希望。