Xapo Bank是一家位於直布羅陀的金融機構，現在提供由比特幣（BTC）支持的貸款服務。

Xapo銀行帶來了一系列安全功能，以保護用戶的投資並確保透明且安全的貸款流程。

A Gibralter-based financial institution, Xapo Bank, has announced the launch of a loan service using Bitcoin (BTC) as collateral. Members of Xapo Bank can now apply for loans of up to $1 million, or around Rp16.3 billion, which can be accessed quickly and easily. However, this service is not available to members in the UK and Australia.

一家位於Gibralter的金融機構Xapo Bank宣布使用比特幣（BTC）作為抵押品推出貸款服務。 Xapo Bank的成員現在可以申請最高100萬美元或163億盧比的貸款，可以快速輕鬆地訪問。但是，英國和澳大利亞的成員無法獲得這項服務。

This initiative allows BTC holders to keep their assets as long-term financial instruments while gaining the liquidity they need, without having to sell their crypto. In addition, Xapo Bank brings a range of security features to protect users’ investments and ensure a transparent and secure lending process.

該計劃使BTC持有人能夠將其資產作為長期金融工具，同時獲得所需的流動性，而無需出售加密貨幣。此外，Xapo銀行還帶來了一系列安全功能，以保護用戶的投資並確保透明且安全的貸款流程。

Development of Crypto-Based Lending in the Global Market

在全球市場中發展基於加密貨幣的貸款

With the growing acceptance of cryptocurrencies in the global financial sector, major Wall Street firms such as Cantor Fitzgerald are beginning to build their own Bitcoin financing businesses. This move is also supported by collaborations with companies like Anchorage Digital and Copper.co in expanding Bitcoin-based lending services around the world.

隨著全球金融領域加密貨幣的越來越多，坎托·菲茨杰拉德（Cantor Fitzgerald）等主要的華爾街公司開始建立自己的比特幣融資業務。這一舉動還得到了與錨定數字和銅銅（Copper.co）等公司在擴大全球基於比特幣的貸款服務方面的合作。

During the pandemic cryptocurrency boom, Xapo became one of the first banks to establish a physical headquarters in Europe. After gaining regulatory approval in the UK last year, Xapo began offering Bitcoin interest account services as well as a range of other banking services to customers.

在大流行的加密貨幣繁榮期間，Xapo成為最早在歐洲建立實體總部的銀行之一。去年在英國獲得監管機構批准後，Xapo開始向客戶提供比特幣利息帳戶服務以及其他一系列銀行服務。

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請參閱更多：比特幣礦工銷售仍然很高，鏈上數據揭示了看跌趨勢（3/19/25）

Bitcoin Lending Mechanics and Security at Xapo Bank

Xapo Bank的比特幣貸款機制和安全性

As a centralized financial institution, Xapo Bank implements an approval system before customers can obtain loans. Bitcoin pledged as collateral will be kept in a secure storage system or “vault” until the loan is repaid. The repayment period can be up to one year, giving borrowers the flexibility to manage their finances.

作為集中的金融機構，Xapo銀行在客戶獲得貸款之前就實施了批准系統。保證作為抵押品的比特幣將保存在安全的存儲系統或“保險庫”中，直到償還貸款為止。還款期最多可以為期一年，這使借款人具有管理財務狀況的靈活性。

Seamus Rocca, CEO of Xapo Bank, explained that many long-term Bitcoin holders are reluctant to use their assets as collateral due to the non-transparent risks of crypto lending. Therefore, Xapo is working to introduce a more secure and reliable lending system that allows customers to access funds without losing ownership of their assets.

Xapo Bank首席執行官Seamus Rocca解釋說，由於非透明的加密貸款風險，許多長期比特幣持有人不願將其資產作為抵押。因此，Xapo正在努力引入一個更安全，更可靠的貸款系統，該系統使客戶可以訪問資金而不會失去其資產所有權。

Similar Services in the Cryptocurrency Industry

加密貨幣行業的類似服務

Xapo is not the only institution offering Bitcoin-based loans. Previously, Coinbase had introduced a similar service through a partnership with Morpho Labs, allowing users in the United States to borrow up to $100,000 in USD Coin (USDC). However, this service was discontinued in 2023 before being reintroduced through Morpho’s decentralized lending protocol.

Xapo並不是唯一提供基於比特幣的機構。以前，Coinbase通過與Morpho Labs的合作夥伴關係推出了類似的服務，使美國的用戶可以在USD Coin（USDC）中藉入多達100,000美元。但是，這項服務於2023年停產，然後通過Morpho的分散貸款協議重新引入。

Other companies such as Ledn are also experiencing increased demand for similar products, as the crypto-backed loans market expands. Based on HFT Market Intelligence’s analysis, the market value of cryptocurrency-based loans is expected to increase from $8.5 billion in 2024 to $45 billion in 2030.

隨著加密貨幣支持的貸款市場的擴大，萊德（Ledn）等其他公司也正在增加對類似產品的需求。根據HFT市場情報的分析，基於加密貨幣的貸款的市場價值預計將從2024年的85億美元增加到2030年的450億美元。

Conclusion

結論

Cryptocurrency-based lending is increasingly becoming a solution for investors looking to obtain liquidity without having to sell their assets. With the development of financial technology and the widespread adoption of crypto, traditional financial institutions and DeFi platforms are starting to take notice of the opportunities in this sector. Xapo Bank comes as one of the pioneers to offer this service centrally, giving Bitcoin holders additional options to optimize their assets.

基於加密貨幣的貸款越來越多地成為希望獲得流動性而不必出售其資產的投資者的解決方案。隨著金融技術的發展和加密的廣泛採用，傳統的金融機構和Defi平台開始注意到該行業的機會。 Xapo Bank是中央提供此服務的先驅之一，為比特幣持有者提供了其他選擇來優化其資產。

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這是今天有關加密新聞的最新信息。僅在Pintu Academy的初學者到專家級別，獲取有關加密學院的更多信息，並豐富您對加密和區塊鏈世​​界的了解。

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在Google News上關注我們，以獲取有關加密和區塊鏈技術的最新信息。立即通過Google Play商店或應用商店下載Pintu Crypto，享受簡單安全的加密交易體驗。

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僅在Pintu Pro上使用高級交易工具（例如Pro圖表，各種訂單類型和投資組合跟踪器）體驗Web交易。如果您沒有帳戶，請單擊註冊Pintu，或者如果您已經註冊，請單擊登錄Pintu。

This content aims to enrich readers’ information. Pintu collects this information from various relevant sources and is not influenced by outside parties. Note that an asset’s past performance does not determine its projected future performance. Trading crypto carries high risk and volatility, always do your own research and use cold hard cash before investing. All activities of buying andselling Bitcoin and other crypto asset investments are the responsibility of the reader.

該內容旨在豐富讀者的信息。 Pintu從各種相關來源收集這些信息，並且不受外部政黨的影響。請注意，資產的過去績效並不能確定其預計的未來績效。 Trading Crypto具有高風險和波動性，在投資之前始終進行自己的研究並使用冷的硬現金。購買和銷售比特幣以及其他加密資產投資的所有活動都是讀者的責任。