Xapo Bank推出了由比特幣支持的貸款，以主流採用為目標

Xapo Bank宣布了一項新的貸款服務，使客戶可以將其比特幣用作抵押品，這標誌著加密貨幣朝向

Xapo Bank, a name that has come up frequently in discussions about Bitcoin, has announced a new service that might interest BTC holders.

Xapo Bank在討論比特幣的討論中經常出現這個名字，它宣布了一項新服務，可能會讓BTC持有人感興趣。

As reported by Blockware, the private bank, known for its early adoption of cryptocurrency, has launched a loan service where qualified members can borrow up to $1 million against their Bitcoin holdings.

正如Blockware所報告的那樣，該私人銀行以其早期採用加密貨幣而聞名，已推出了一項貸款服務，合格的成員可以藉給其比特幣持有量高達100萬美元。

The service will not be available to clients in the UK, Australia, or New York, and it appears to cater to high-net-worth individuals or institutions.

這項服務將不適用於英國，澳大利亞或紐約的客戶，並且似乎適合高淨值個人或機構。

The news arrives as major Wall Street firms are also entering the Bitcoin financing space. Financial powerhouse Cantor Fitzgerald has reportedly created a Bitcoin finance division.

隨著華爾街主要公司也進入比特幣融資空間，該消息傳到了。據報導，財務強國坎托·菲茨杰拉德（Cantor Fitzgerald）創建了一個比特幣財務部門。

According to sources, the company has partnered with crypto companies Anchorage Digital and Copper.co to aid its expanding global Bitcoin operation.

消息人士稱，該公司已與加密公司錨定數字和銅。Co合作，以幫助其擴大的全球比特幣運營。

The bank, which received regulatory approval in the UK last year, will also provide interest-bearing BTC accounts in addition to standard banking services.

該銀行去年在英國獲得了監管部門的批准，除標準銀行服務外，還將提供帶有利息的BTC帳戶。

The private bank's new service will allow customers to access up to $1 million in Bitcoin-backed debt.

私人銀行的新服務將使客戶能夠獲得最多100萬美元的比特幣支持債務。

The service, which is being launched in partnership with Morpho Labs, will allow US users, excluding those in New York, to borrow up to $100,000 in USDC stablecoins.

該服務與Morpho Labs合作推出，將允許我們的用戶（不包括紐約的用戶）在USDC Stablecoins中藉入最高100,000美元。

Max Branzburg, Coinbase’s vice president, explained that the product is designed to enhance the utility of crypto in a decentralized setting.

Coinbase副總裁Max Branzburg解釋說，該產品旨在在分散的環境中增強加密貨幣的實用性。

The service bypasses credit checks and generates no service fees, streamlining the borrowing process. However, borrowers will need to monitor their collateral value to avoid liquidation.

該服務繞過信用檢查並生成沒有服務費，從而簡化了借貸過程。但是，借款人將需要監視其附帶價值以避免清算。

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 utilize decentralized finance (DeFi) protocols, Xapo presents a more traditional, centralized approach. Customers must undergo 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.

儘管某些服務利用了分散的財務（DEFI）協議，但XAPO提出了一種更傳統的集中式方法。客戶必須獲得銀行的批准，其比特幣被存儲在“保險庫中，直到還清貸款”，貸款條款延長了一年。

Seamus Rocca, CEO of Xapo, acknowledged that many long-term crypto holders grew wary of crypto-backed lending after witnessing “predatory lending and faulty products” in the market. “That’s why we’re doing things differently,” Rocca added.

XAPO首席執行官Seamus Rocca承認，許多長期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。羅卡補充說：“這就是為什麼我們做不同的事情。”

These services mainly aid Bitcoin holders in acquiring cash without selling their assets and generating taxable transactions.

這些服務主要援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。