Xapo Bank推出了比特幣支持的貸款，徹底改變了加密信貸市場

Xapo Bank推出了一項由比特幣支持的貸款服務，使合格的成員可以在不清算其比特幣持有的情況下獲得美元貸款。

Xapo Bank, a name synonymous with secure bitcoin storage, has revolutionized bitcoin finance with a game-changing loan service. Now, qualifying members can borrow up to $1M in USD without selling their BTC.

Xapo Bank是安全比特幣存儲的同義詞，它通過改變遊戲規則的貸款服務徹底改變了比特幣融資。現在，合格成員可以在不出售其BTC的情況下借入高達100萬美元的美元。

A New Era of Crypto Credit

加密信貸的新時代

The institution has introduced a bitcoin-backed loan service, allowing members to secure USD loans without liquidating their bitcoin holdings. Available through the Xapo Bank app, the offering provides access to up to $1 million in a service designed for transparency and flexibility.

該機構推出了一項由比特幣支持的貸款服務，使成員可以在不清算其比特幣持有的情況下獲得美元貸款。該產品可通過Xapo Bank應用程序獲得，可訪問最多100萬美元的服務，旨在透明度和靈活性。

“This new product empowers qualifying members to leverage their bitcoin holdings as collateral to access credit without having to sell their bitcoin,” the bank noted.

該銀行指出：“這種新產品使資格成員能夠利用其比特幣持有物作為抵押品的抵押權，而不必出售其比特幣。”

As reported by Rocca, the service is a response to a need highlighted by the community:

正如Rocca報導的那樣，該服務是對社區強調的需求的回應：

Many long-term bitcoin holders have steered away from crypto-asset-backed lending after seeing predatory lending practices and products they couldn’t count on. They prefer to keep their bitcoin and sell it only when they choose.

許多長期的比特幣持有人在看到他們無法指望的掠奪性貸款實踐和產品之後，已經遠離了加密資助的貸款。他們更喜歡保留比特幣並僅在選擇時出售它。

In contrast, Xapo Bank stated that it maintains a conservative loan-to-value ratio of 20%-40%, provides automated repayment options, and has a Loan Health Tracker for real-time monitoring.

相比之下，Xapo Bank表示，它的保守貸款與價值比率為20％-40％，提供自動還款期權，並具有用於實時監控的貸款健康跟踪器。

“After applying for the loan, eligible members with sufficient bitcoin holdings can use the in-app calculator to determine their borrowing limit. During the application process, members can select their desired loan amount, with personalized limits of up to $1,000,000, while having complete visibility of the final repayment amount and applicable interest rate,” the bank explained.

銀行解釋說：“在申請貸款之後，擁有足夠比特幣持有量的合格成員可以使用應用內計算器來確定其借貸限額。在申請過程中，成員可以選擇其所需的貸款金額，其個性化限額最高為1,000,000美元，而最終還款金額和適用利率的完全可見性。”

After approval, funds are deposited into members’ USD bank accounts while the bitcoin collateral remains securely stored. The service offers multiple repayment options, with the bank adding:

批准後，將資金存入會員的USD銀行帳戶，而比特幣抵押品仍存儲得很穩定。該服務提供了多種還款選項，銀行添加了：

“Members can enjoy flexible repayment terms of 30, 90, 180 or 365 days, and the option to repay early, with no penalties or early repayment fees, to minimise costs.”

“成員可以享受30、90、180或365天的靈活還款條款，並且可以提早償還，而沒有罰款或早期還款費，以最大程度地減少成本。”

For borrowers requiring higher loan amounts, they can consult their account managers for personalized assessments.

對於需要更高貸款金額的借款人，他們可以諮詢其帳戶經理進行個性化評估。

Regulated by the Gibraltar Financial Services Commission, Xapo Bank continues to expand its services and offerings.

Xapo Bank受到直布羅陀金融服務委員會的監管，繼續擴大其服務和產品。