Xapo銀行宣布了新的比特幣支持的貸款服務，以主流市場為目標

Xapo銀行已在常規銀行業中以早期採用者的身份聞名。在大流行驅動的BTC Frenzy期間，它成為最早通過在英國海外領土Gibraltar定居在歐洲開設物理​​總部的銀行之一。

Xapo Bank, the financially focused offshoot of cryptocurrency firm Xapo, has introduced a new loan service that permits customers to use their Bitcoin as collateral for borrowing up to $1 million, reports cité par The Block.

據CitéPar據CitéPar報導，Xapo Bank是加密貨幣公司Xapo的財務關注分支，它推出了一項新的貸款服務，該服務允許客戶將其比特幣用作借入最高100萬美元的抵押品。

This initiative marks another step in cryptocurrency’s broader journey toward mainstream financial services. However, the service excludes clients in the UK and Australia.

該計劃標誌著加密貨幣邁向主流金融服務的更廣泛旅程的又一步。但是，該服務不包括英國和澳大利亞的客戶。

The private bank, which opened a physical headquarters in Gibraltar last year, is also offering a Top-up service that allows users to quickly transfer up to €10,000 to their Xapo account from another bank in the SEPA zone.

該私人銀行去年在直布羅陀開設了物理總部，還提供了一項充值服務，該服務使用戶可以從SEPA區的另一家銀行快速將高達10,000歐元轉移到其XAPO帳戶。

Major Wall Street Firms Join Bitcoin Financing Race

華爾街大型公司加入比特幣融資競賽

Xapo Bank is among the early adopters in the conventional banking sector, and it has become known for its proclivity to introduce cryptocurrency products and services.

Xapo Bank是常規銀行業的早期採用者之一，它以其引入加密貨幣產品和服務的傾向而聞名。

During the pandemic-driven BTC frenzy, the bank became one of the first to open a physical headquarters in Europe by settling in Gibraltar, a British overseas territory.

在大流行驅動的BTC Frenzy期間，該銀行通過在英國海外領土Gibraltar定居在歐洲開設實體總部的銀行之一。

The move comes as renowned financial institutions are entering the market with Bitcoin products and services. Cantor Fitzgerald, a major Wall Street firm, has established a Bitcoin finance section.

此舉是因為著名的金融機構正在使用比特幣產品和服務進入市場。華爾街主要公司Cantor Fitzgerald已建立了比特幣融資部分。

The firm has partnered with crypto companies Anchorage Digital and Copper.co to help its expanding global Bitcoin operation, according to sources.

據消息人士稱，該公司已與加密貨幣公司錨定數字和Copper.co合作，以幫助其不斷擴大的全球比特幣運營。

Last year, the bank received regulatory license in the UK and started providing interest-bearing BTC accounts in addition to standard banking services.

去年，該銀行在英國獲得了監管許可證，除標準銀行服務外，還開始提供帶有利息的BTC帳戶。

Xapo Bank Debuts Bitcoin Loans, Calls Out ‘Predatory’ Crypto Lenders

Xapo Bank首次亮相比特幣貸款，召集了“掠奪性”加密貸款人

The private bank's new service allows customers to access up to $1 million in Bitcoin-backed debt. Read more: https://t.co/rBhwnAHu7g pic.twitter.com/qPtcWOrDgA

私人銀行的新服務使客戶可以獲得多達100萬美元的比特幣支持債務。閱讀更多：https：//t.co/rbhwnahu7g pic.twitter.com/qptcwordga

— Mars Signals (@MarsSignals) March 18, 2025

- 火星信號（@marssignals）2025年3月18日

Coinbase Revives Bitcoin-Backed Loans Through New Partnership

Coinbase通過新的合作夥伴關係恢復了比特幣支持的貸款

Coinbase previously offered digital currency-backed loans but stopped the service in 2023. The company has now restarted lending through a partnership with Morpho Labs, using decentralized lending protocols.

Coinbase先前提供了數字貨幣支持的貸款，但在2023年停止了這項服務。該公司現在使用分散的貸款協議通過與Morpho Labs的合作夥伴關係重新啟動了貸款。

Their current service allows US users (except those in New York) to borrow up to $100,000 in USDC stablecoins.

他們當前的服務使我們（在紐約除外）的用戶最多可以在USDC Stablecoins中藉入$ 100,000。

Max Branzburg, Coinbase’s vice president, stated that the product aims to improve the crypto’s usefulness in a decentralized setting. The service streamlines borrowing by eliminating credit checks and fees, though borrowers must keep an eye on their collateral value to avoid liquidation.

Coinbase副總裁Max Branzburg表示，該產品旨在在分散的環境中提高加密貨幣的實用性。服務通過取消信用檢查和費用來簡化借貸，儘管借款人必須關注其抵押價值以避免清算。

The new Coinbase service runs on Base, the company’s Ethereum layer-2 network. When customers take out loans, their crypto collateral is automatically converted to Coinbase Wrapped Bitcoin (cbBTC), a token backed one-to-one by BTC held in Coinbase custody.

新的Coinbase服務在公司的以太坊層網絡基礎上運行。當客戶獲得貸款時，他們的加密貨幣將自動轉換為Coinbase包裹的比特幣（CBBTC），這是由BTC在Coinbase Casustody中持有的BTC一對一的代幣。

While some services use decentralized finance (DeFi) protocols, Xapo represents a more traditional, centralized approach. Customers must first get approval from the bank, and their Bitcoin is stored “in a vault until the loan is paid back,” with loan terms extending up to one year.

儘管某些服務使用分散的財務（DEFI）協議，但XAPO代表了一種更傳統的集中式方法。客戶必須首先獲得銀行的批准，其比特幣被“存儲在保險庫中，直到貸款還清”，貸款條款延長了一年。

Seamus Rocca, CEO of Xapo, noted that many long-term crypto holders became wary of crypto-backed lending after witnessing “predatory lending and faulty products” in the market.

XAPO首席執行官Seamus Rocca指出，許多長期的加密持有人在目睹了市場上的“掠奪性貸款和有缺陷的產品”後對加密支持的貸款保持警惕。

“That’s why we’re doing things differently,” Rocca added.

羅卡補充說：“這就是為什麼我們做不同的事情。”

These services mostly help Bitcoin holders to acquire cash without selling their assets and generating taxable transactions.

這些服務主要幫助比特幣持有人獲取現金，而無需出售其資產並產生應​​稅交易。