Xapo銀行推出了比特幣支持的貸款，擴大了加密貨幣的採用

這是另一個很好的跡象表明，世界正在為接受加密貨幣作為真正的資產而熱身。

Xapo Bank, the latest in a string of financial institutions that have introduced Bitcoin-backed loans for its customers. This is yet another good indication that the world is warming towards accepting cryptocurrency as a genuine asset.

Xapo Bank是一系列金融機構中的最新銀行，為其客戶推出了由比特幣支持的貸款。這是另一個很好的跡象表明，世界正在為接受加密貨幣作為真正的資產而熱身。

A Bitcoin-backed loan provides access to US dollars without having to sell your $BTC. This means that Xapo Bank customers can now borrow up to 40% of their $BTC collateral for a maximum loan amount of $1M.

比特幣支持的貸款可訪問美元，而無需出售您的$ BTC。這意味著Xapo銀行客戶現在最多可以藉入其BTC抵押品的40％，最高貸款金額為100萬美元。

That’s with zero fees. However, Xapo Bitcoin-backed loans are subject to eligibility and a variable interest rate that’s linked to US Federal Reserve rates. And loans aren’t available to customers who reside in the UK or Australia.

那是零費用。但是，Xapo比特幣支持的貸款符合資格和與美國美聯儲利率有關的可變利率。居住在英國或澳大利亞的客戶無法獲得貸款。

According to the bank, the loan will be accessible within a minute of being approved and can be used via debit cards, bank, or crypto transfers. There’s no set schedule for repayments nor penalties for early repayments. But loans must be repaid within the agreed-upon 30, 90, 180, or 365 days.

據該銀行稱，該貸款將在獲得批准後的一分鐘內可獲得，並且可以通過借記卡，銀行或加密轉賬使用。沒有固定的還款時間表，也沒有對早期還款的罰款。但是必須在約定的30、90、180或365天內償還貸款。

Is the Xapo Loan an Indication of Improved Market Sentiment?

Xapo貸款是否表明市場情緒改善？

It could well be. In fact, an HTF Market Intelligence report expects the $8.58B global Bitcoin loan market to grow at a CAGR of 26.4%. At that rate, the market will be worth $45.27B by 2029. And Xapo Bank isn’t the first institution to offer Bitcoin-backed loans.

可能是。實際上，HTF市場情報報告預計，全球比特幣貸款市場為8.58B美元的複合年增長率為26.4％。以這個速度，到2029年，市場價值為45.27B美元。Xapo Bank並不是第一個提供比特幣支持貸款的機構。

Coinbase, for instance, introduced Bitcoin-backed loans in November 2021. Amid the 2023 market downturn, however, Coinbase stopped issuing them, citing changing customer demands.

例如，Coinbase在2021年11月推出了比特幣支持的貸款。但是，在2023年的市場低迷中，Coinbase以不斷變化的客戶需求而停止發行。

However, around the time of $BTC’s all-time high price of $109, Coinbase reintroduced Bitcoin-backed loans. The CEX now offers $USDC loans powered by Morpho, which is an open-source lending protocol on Base – Coinbase’s Layer 2 blockchain.

但是，在$ BTC的歷史最高價格為109美元時，Coinbase重新引入了比特幣支持的貸款。 CEX現在提供由Morpho提供動力的$ USDC貸款，這是Coinbase的第2層區塊鏈上的開源貸款協議。

Coinbase has also hinted at adding some of the best altcoins to its loan offering. However, the jury is still out on whether that would include leading meme coins.

Coinbase還暗示，在其貸款產品中添加了一些最好的山寨幣。但是，陪審團仍在討論是否包括領先的模因硬幣。

In all, the fact that banks and exchanges are offering Bitcoin-backed loans reflects a positive market sentiment in terms of Bitcoin and a global acceptance of $BTC as a legitimate asset.

總的來說，銀行和交易所提供的支持比特幣支持的貸款這一事實反映了比特幣的積極市場情緒，並且全球接受$ BTC是合法的資產。

Do Bitcoin-Backed Loans Mean Using a Custodial Wallet?

由比特幣支持的貸款意味著使用託管錢包嗎？

Yes. You need to be a Xapo Bank customer, and that means using the company’s wallet.

是的。您需要成為Xapo銀行客戶，這意味著使用公司的錢包。

In fact, this Gibraltar-based bank was established in 2013 as a custodial Bitcoin wallet. It has since evolved into a licensed digital banking group. Its wallet is still custodial, though. In other words, Xapo Bank customers’ wallets are regulated by the bank.

實際上，這家總部位於直布羅陀的銀行成立於2013年，是一個保管比特幣錢包。此後，它已演變為有執照的數字銀行集團。不過，它的錢包仍然是保管的。換句話說，Xapo銀行客戶的錢包受銀行的監管。

That’s not necessarily a bad thing. It means the wallet has bank-grade protection. At the end of the day, though, it’s better to have your own non-custodial wallet, like Best Wallet, for complete ownership of your private keys.

這不一定是一件壞事。這意味著錢包具有銀行級保護。不過，歸根結底，最好擁有自己的非習慣錢包，例如最好的錢包，以完全擁有私鑰。

Don’t forget hackers love attacking crypto banks and exchanges, as ByBit will tell you — and a recent Chainanalysis report notes that ‘Private key compromises accounted for the largest share of stolen crypto in 2024, at 44%.’

別忘了黑客喜歡攻擊加密銀行和交易所，正如拜特比爾告訴您的那樣 - 最近的Chainalysis報告指出，“私鑰妥協佔2024年被盜加密貨幣最大的份額，佔44％。”

Here’s another thing to keep in mind. If you take out a Bitcoin-backed loan from Xapo Bank, you won’t be able to access the $BTC you used as collateral. It’ll be held in the bank’s Bitcoin Vault until your loan is fully repaid.

這是要記住的另一件事。如果您從Xapo Bank拿出一筆由比特幣支持的貸款，您將無法訪問用作抵押品的$ BTC。它將在銀行的比特幣保險庫中舉行，直到您的貸款完全償還為止。

How the Best Wallet Token ($BEST) Ups the Ante

最好的錢包代幣（$ best）如何提高賭注

The Best Wallet app is a fully self-custodial, no KYC, multi-chain, multi-currency wallet. It’s also the only crypto wallet that lets you buy the best presale tokens. And now, in a move to capture 40% of the explosive crypto wallet market by end-2026, it has launched its native Best Wallet Token ($BEST).

最好的錢包應用程序是一個完全自我定型的，無KYC，多鏈，多幣制錢包。這也是唯一可讓您購買最好的預售令牌的加密錢包。現在，為了捕捉到2026年底的爆炸加密錢包市場的40％，它推出了其本地最好的錢包代幣（$ best）。

Analysts forecast that the crypto wallet market will expand at a 24.8% CAGR by 2032. With the general trend leaning towards software wallets, Best Wallet plans to dominate the market. And it will use the Best Wallet Token to complete its mission.

分析師預測，到2032年，加密錢包市場將以24.8％的複合年增長率。隨著一般趨勢傾向於軟件錢包，最佳錢包計劃在市場上佔據主導地位。它將使用最好的錢包令牌來完成任務。

This top non-custodial wallet seems to be well on track to reaching its target with its 50% monthly user growth rate.

這款最高的非習慣錢包似乎有望以50％的每月用戶增長率達到目標。

The $BEST token presale is also proving highly successful. After raising $160K within 24 hours of the presale launch, the total kitty now stands at $11M+. At the moment, 1 $BEST costs just $0.0244.

$最佳代幣預售也被證明是非常成功的。在預售發布後24小時內籌集了16萬美元之後，總貓咪現在為1100萬美元以上。目前，1美元的價格僅為$ 0.0244。

But as with any investment, we urge you to DYOR. The Best Wallet Token whitepaper is a good starting point. And if you decide that $BEST is best for

但是，與任何投資一樣，我們敦促您染色。最好的錢包令牌白皮書是一個很好的起點。如果您認為$最佳是最適合的