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整合来自加密货币借贷平台的活跃贷款数据可以为您提供有关其业务健康状况的宝贵见解。以下是我们分析师的一些建议。
At Bitcoin Market Journal, we treat crypto tokens like stocks when investing. While there are key differences, we analyze crypto “companies” like traditional companies and diversify our investments with a mix of both. More on our approach here.
在《比特币市场杂志》中,我们在投资时将加密代币视为股票。尽管存在关键差异,但我们像传统公司一样分析加密“公司”,并通过两者的结合来实现投资多元化。更多关于我们的方法请参见这里。
One of the key metrics we use to analyze winning crypto investments is active loans. In this guide, you’ll learn how they work, and some of the top projects with high active loan balances, including Aave, Spark Protocol, Morpho, Compound, and Venus
我们用来分析赢得加密货币投资的关键指标之一是活跃贷款。在本指南中,您将了解它们的工作原理,以及一些具有高活跃贷款余额的顶级项目,包括 Aave、Spark Protocol、Morpho、Compound 和 Venus
What are Active Loans?
什么是主动贷款?
On lending protocols like Aave and Compound, an “active loan” refers to an outstanding loan that has yet to be fully repaid. Typically, the loan recipient provides collateral in the form of other cryptocurrencies.
在 Aave 和 Compound 等借贷协议上,“活跃贷款”是指尚未完全偿还的未偿还贷款。通常,贷款接受者以其他加密货币的形式提供抵押品。
As an analogy, think of margins on a stock account. In a margin account, you can borrow money from the broker to buy more stocks than you could with your own cash. However, to do this, you must put up some of your own assets (stocks or cash) as collateral.
打个比方,想想股票账户的保证金。在保证金账户中,您可以从经纪人那里借钱购买比您用自己的现金更多的股票。然而,要做到这一点,您必须拿出一些自己的资产(股票或现金)作为抵押品。
The broker lends you money, and you repay them with interest over time. If the value of your stocks drops too much, the broker may require you to add more collateral or liquidate your assets to repay the loan, protecting their downside risk.
经纪人借钱给你,你随着时间的推移偿还利息。如果您的股票价值下跌太多,经纪人可能会要求您添加更多抵押品或清算您的资产以偿还贷款,以保护其下行风险。
When you lend on a crypto lending platform, it’s a bit like buying bonds from a government or company. You lend them your money (or crypto), and in return, they pay you interest over time. In blockchain protocols, you lend your assets to borrowers, and in return, you earn a predictable return based on the interest rate agreed upon in the smart contract.
当您在加密货币借贷平台上借贷时,这有点像从政府或公司购买债券。你借给他们你的钱(或加密货币),作为回报,他们会随着时间的推移向你支付利息。在区块链协议中,您将资产借给借款人,作为回报,您根据智能合约中商定的利率获得可预测的回报。
Top Crypto Investments by Active Loans
按活跃贷款排名的顶级加密货币投资
Aave: Aave currently has $7.50B in active loans, which has more than doubled year to date.
Aave:Aave 目前有 $7.50B 的活跃贷款,今年迄今增加了一倍多。
Aave’s active loan balance has increased in part due to its dominant role in the DeFi space. As DeFi gains more mainstream attention, demand for borrowing assets through platforms like Aave naturally rises.
Aave 的活跃贷款余额增加的部分原因是其在 DeFi 领域的主导地位。随着 DeFi 获得更多主流关注,通过 Aave 等平台借贷资产的需求自然会上升。
Aave has also continued to expand its number of supported cryptocurrencies and stablecoins available for lending and borrowing. This diversification of available assets attracts more borrowers and lenders, contributing to a higher loan balance.
Aave 还继续扩大其支持的可用于借贷的加密货币和稳定币的数量。可用资产的多样化吸引了更多的借款人和贷款人,从而导致更高的贷款余额。
Additionally, Aave has worked to build a strong reputation for being a secure and reliable platform, and its governance token, AAVE, allows users to vote on protocol updates. Strong security measures and community involvement tends to attract more borrowing activity, particularly as Aave maintains its standing in the DeFi space.
此外,Aave 还致力于打造安全可靠平台的良好声誉,其治理代币 AAVE 允许用户对协议更新进行投票。强有力的安全措施和社区参与往往会吸引更多的借贷活动,特别是当 Aave 保持在 DeFi 领域的地位时。
Spark Protocol: Spark Protocol’s current active loan balance is $1.44B, hovering consistently over the $1B mark over the past year.
Spark Protocol:Spark Protocol 目前的活跃贷款余额为 $1.44B,过去一年一直徘徊在 $1B 大关之上。
Spark Protocol is deeply integrated with Sky (formerly MakerDAO) and centered around lending USDS (formerly DAI). In 2024, demand for USDS has grown due to its role as a reliable decentralized stablecoin in a volatile market, and this demand has led to an overall increase in Spark Protocol’s loan balance.
Spark Protocol 与 Sky(以前称为 MakerDAO)深度集成,并以借贷 USDS(以前称为 DAI)为中心。 2024 年,由于 USDS 在动荡的市场中作为可靠的去中心化稳定币的作用,对 USDS 的需求有所增长,这种需求导致 Spark Protocol 的贷款余额整体增加。
Sky has also seen growth in USDS minting, particularly through platforms like Spark, which offers attractive borrowing options and low interest rates. An increase in minting USDS means more borrower activity through Spark, thus raising its active loan balance.
Sky 还看到 USDS 铸币量的增长,特别是通过 Spark 等平台,该平台提供有吸引力的借贷选择和低利率。 USDS 铸造量的增加意味着通过 Spark 进行的借款人活动增多,从而提高了其活跃贷款余额。
Spark has also managed to maintain competitive interest rates, making borrowing on the platform more appealing. This attracts users who want to borrow cheaply to either reinvest in other DeFi protocols, hold USDS as a hedge against market volatility, or engage in trading.
Spark 还设法保持有竞争力的利率,使平台上的借贷更具吸引力。这吸引了那些想要廉价借贷的用户,要么再投资于其他 DeFi 协议,要么持有 USDS 作为对冲市场波动的工具,要么进行交易。
Morpho: Morpho’s active loan balance is around $766.31M. This crypto project is able to maintain a high active loan balance due to its hybrid lending model which optimizes lending rates by combining both pool-based and peer-to-peer lending.
Morpho:Morpho 的活跃贷款余额约为 7.6631 亿美元。由于其混合贷款模式,该加密项目能够保持较高的活跃贷款余额,该模式通过结合基于池的贷款和点对点贷款来优化贷款利率。
When a direct match is available, borrowers can secure better interest rates via peer-to-peer lending, while any unmatched loans fall back to pool-based protocols, ensuring liquidity. This efficiency attracts more borrowers and lenders looking for improved returns compared to traditional pool-based lending platforms.
当可以直接匹配时,借款人可以通过点对点贷款获得更好的利率,而任何不匹配的贷款都会退回到基于池的协议,从而确保流动性。与传统的基于资金池的贷款平台相比,这种效率吸引了更多寻求更高回报的借款人和贷款人。
Morpho also directly integrates with top DeFi lending platforms like Compound and Aave, allowing users to tap into the liquidity of these established platforms – while at the same time, benefiting from Morpho’s interest rate mechanics. Borrowers and lenders can trust the platform’s liquidity and infrastructure while getting better rates, which drives more activity and a higher loan balance.
Morpho 还直接与 Compound 和 Aave 等顶级 DeFi 借贷平台集成,让用户能够利用这些成熟平台的流动性,同时受益于 Morpho 的利率机制。借款人和贷款人可以信任该平台的流动性和基础设施,同时获得更好的利率,从而推动更多的活动和更高的贷款余额。
Compound: Compound’s YTD active loan balance is $656.87M, dropping slightly from where it was at the beginning of the year at $937.55M.
Compound:Compound 的年初至今活跃贷款余额为 6.5687 亿美元,较年初的 9.3755 亿美元略有下降。
Compound is one of the largest DeFi lending platforms, and its diversity of supported assets attracts significant liquidity, making it a popular platform for borrowers. Compound also has strong security and a strong smart contract infrastructure, making it a top choice for institutional investors.
Compound 是最大的 DeFi 借贷平台之一,其支持资产的多样性吸引了大量的流动性,使其成为借款人的热门平台。此外,Compound 还拥有强大的安全性和强大的智能合约基础设施,使其成为机构投资者的首选。
However, unlike the other crypto projects on this list, Compound’s active loan balance has dropped since the beginning of the year. This is partially due to market
然而,与此列表中的其他加密项目不同,Compound 的活跃贷款余额自今年年初以来一直在下降。这部分是由于市场
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