Xapo Bank揭幕了100萬美元的比特幣支持信用額度，以遏制BTC拋售

在大膽的舉動搖晃加密貨幣財務上，總部位於直布羅陀的Xapo Bank推出了一百萬美元的比特幣支持的信用額度。

In a move that could shake up crypto finance, Gibraltar-based Xapo Bank has launched a $1 million credit line backed by Bitcoin. The product is designed to provide liquidity to users without forcing them to sell their BTC, a strategic play in today’s volatile market.

在可能動搖加密貨幣財務的舉動中，總部位於直布羅陀的Xapo Bank推出了由比特幣支持的100萬美元信用額度。該產品旨在為用戶提供流動性，而無需強迫他們出售BTC，這是當今動蕩的市場中的戰略性作用。

Why Bitcoin Holders Get A New Liquidity Lifeline

為什麼比特幣持有人獲得新的流動性生命線

Xapo Bank is aiming to reduce Bitcoin sell-offs during price swings. In times of uncertainty, users tend to liquidate crypto first, deepening market downturns.

Xapo Bank的目標是減少價格波動期間的比特幣拋售。在不確定性時期，用戶傾向於首先清算加密貨幣，從而加深市場衰退。

The bank’s offering will see dollar loans collateralised by BTC, encouraging long-term holding while meeting urgent cash needs. “Selling Bitcoin feels wrong if you believe in its future,” CEO Seamus Rocca said.

該銀行的股份將使BTC抵押的美元貸款在滿足緊急現金需求的同時鼓勵長期持有。首席執行官Seamus Rocca說：“如果您相信它的未來，賣比特幣就會感到錯誤。”

This comes after crypto lending giants like BlockFi and Celsius imploded in 2022 amid fraud allegations, deepening a prolonged bear market. However, Xapo is a fully licensed bank operating under traditional financial regulations. This structure, combined with conservative risk tactics, might be crucial for rebuilding trust in crypto-backed loans.

這是在加密借貸巨頭像Blockfi和Celsius這樣的巨頭在2022年在欺詐指控中爆炸，加深了長時間的熊市。但是，Xapo是根據傳統金融法規運營的完全許可的銀行。這種結構以及保守的風險策略，可能對重建加密支持貸款的信任至關重要。

A Small Portion Of Crypto For A Large Loan

一小部分加密貨幣

The bank will cap loans at 20%-40% of a customer’s Bitcoin value. For example, a $100,000 BTC stash unlocks up to $40,000. Real-time loan health trackers will alert users to risks, while liquidation triggers only if Bitcoin plummets below $40,000.

該銀行將以客戶比特幣價值的20％-40％的限額貸款。例如，$ 100,000的BTC儲藏量最高可達40,000美元。實時貸款健康追踪器將提醒用戶風險，而清算僅在比特幣下降到40,000美元以下時才會觸發。

Moreover, they offer flexible repayment terms of 30 to 365 days and no early fees add flexibility.

此外，它們提供了30至365天的靈活還款條款，並且沒有早期費用增加了靈活性。

The service is tailored for HODLers making major purchases. Clients were previously applying for loans to buy homes, cars, or fund education without selling BTC. While expecting $50,000 grant requests on average, Xapo has now approved a $1 million credit line and handles even larger sums case-by-case.

該服務是針對大型購買的霍德爾量身定制的。客戶此前曾在不出售BTC的情況下申請購買房屋，汽車或資金教育的貸款。 Xapo預計平均有50,000美元的贈款請求，但現在批准了100萬美元的信用額度，並處理更大的款項。

“Life happens,” Rocca added. “Upgrading a kitchen or paying tuition shouldn’t mean sacrificing your crypto future.”

羅卡補充說：“生活發生了。” “升級廚房或支付學費並不意味著犧牲您的加密貨幣未來。”

Is This Crypto Lending’s Second Chance?

這是加密貸款的第二次機會嗎？

Despite past failures, crypto-backed loans appear to be making a comeback. Earlier this year, Coinbase also reintroduced Bitcoin loans, signaling renewed confidence in the market.

儘管過去失敗了，但加密支持的貸款似乎正在捲土重來。今年早些時候，Coinbase還重新引入了比特幣貸款，這表明對市場的信心更新了。

With a 10% interest rate and Gibraltar’s regulatory oversight, Xapo’s offering might appeal to cautious optimists seeking a balance between innovation and tradition.

Xapo的發行率有10％的利率和直布羅陀的監管監督，可能會吸引謹慎的樂觀主義者，以尋求創新與傳統之間的平衡。

As it stands, Xapo’s gamble depends on whether it can balance new technologies with the conservative values of traditional finance. By learning from its predecessors’ mistakes and prioritising user trust, it might yet be able to change the landscape of crypto lending. And for Bitcoin loyalists, accessing cash without selling might just be the lifeline they’ve been waiting for.

就目前而言，Xapo的賭博取決於它是否可以平衡新技術與傳統金融的保守價值。通過從其前身的錯誤中學習並確定用戶信任的優先級，它可能還可以改變加密貸款的景觀。對於比特幣忠誠主義者來說，不出售現金可能只是他們一直在等待的生命線。