比特币（BTC）存放XAPO银行推出了BTC支持的贷款，最高可达100万美元

比特币长期持有人的财富经理Xapo Bank表示，它为成员提供了BTC支持的贷款，最高可达100万美元。

Xapo Bank, a wealth manager catering to long-term holders of bitcoin, has begun offering its members BTC-backed loans of up to $1 million.

Xapo Bank是一位迎合比特币长期持有人的财富经理，已开始为其成员提供BTC支持的贷款，最高可达100万美元。

Crypto lending hit the headlines in recent times for all the wrong reasons, with a series of high profile collapses and bankruptcies that shook the crypto industry. But crypto-backed loans are now making a comeback, with companies such as U.S.-listed exchange Coinbase (NASDAQ:COIN) reintroducing bitcoin-backed loans in January after withdrawing the service in 2023.

Crypto Lending近来出于所有错误的原因而成为头条新闻，一系列引人注目的崩溃和破产，使加密货币行业震惊。但是，由加密货币支持的贷款正在卷土重来，诸如上市的交易所Coinbase（NASDAQ：COIN）等公司在2023年撤回该服务后，在一月份重新引入了比特币支持的贷款。

Xapo CEO Seamus Rocca stresses the difference between the company's wealth-management service and what exchanges generally offer, which is geared towards trading.

XAPO首席执行官Seamus Rocca强调了公司的财富管理服务与通常提供的交易所提供的差异，这是针对交易的。

“If an exchange is offering you secured lending, it's to encourage leverage,” Rocca said in an interview. “And the moment you have leverage, unless you're a professional investor — and even when you are a professional investor — the risk of losing money is very high. If you're an exchange platform, you don't really care about that. You're just there to facilitate gambling.”

Rocca在接受采访时说：“如果交易所向您提供保证贷款，那是为了鼓励杠杆。” “当您是专业投资者的时刻，即使您是专业投资者，如果您是一个交换平台，那么损失的风险也很高。

A conservative 20%-40% loan-to-value ratio safeguards customers’ bitcoin, said Xapo, whose Gibraltar-regulated banking license has been passported into the U.K. In effect, this means bitcoin would have to crash to under $40,000 from its current price for borrowers to be liquidated, Rocca said.

Xapo说，保守的20％-40％的贷款价值比率保障了比特币，Xapo说，他的直布罗陀管监管的银行许可证已被护照到英国实际上，这意味着比特币必须从目前的借款人出售的价格跌至40,000美元，才能清算。

Xapo began its journey in 2013 as a wallet and custodian renowned for safeguarding bitcoin in Swiss mountain bunkers, presenting a very safe alternative to self-custody for those holding the largest cryptocurrency for the long term. Ether (CRYPTO:ETH) was recently added.

Xapo于2013年开始旅行，是一名因在瑞士山地掩体中保护比特币而闻名的钱包和托管人，为那些长期拥有最大的加密货币的人提供了一种非常安全的自我顾客替代品。最近添加了Ether（加密：ETH）。

When the firm commenced testing the waters for bitcoin-backed lending, the average loan size was assumed to be around $50,000. It soon became clear some long term holders would prefer more: Those with the necessary $5 million or so of bitcoin collateral were looking for loans of $1 million.

当该公司开始测试水域支持比特币支持的贷款时，假定平均贷款规模约为50,000美元。很快，很明显，一些长期持有人会更喜欢更多：那些拥有500万美元左右的比特币抵押品的人正在寻找100万美元的贷款。

"We can arrange even larger loans on a case by case basis. The interest rate on the dollar is around 10%," Rocca said.

罗卡说：“我们可以在情况下安排更大的贷款。美元的利率约为10％。”

The main reasons someone might want to take a loan are to buy or upgrade a property, to buy a new car, followed by other miscellaneous needs.

有人可能想贷款的主要原因是购买或升级房地产，购买新车，然后是其他其他需求。

“If you're a bitcoin holder and you have conviction that the price of bitcoin is going to go up, selling any of it is difficult to do. But sometimes life gets in the way: You want to upgrade your kitchen, you have school fees to pay. Being able to draw down some liquidity on your bitcoin with someone that you trust is a very appealing product for our customer base.”

“如果您是一个比特币持有人，并且您相信比特币的价格将会上涨，那么出售任何一个很难做到，但有时候生活会陷入困境。

Xapo is offering repayment schedules of 30, 90, 180 or 365 days, with no penalties for early repayment, while a loan health tracker provides real-time insights into loan status and potential risks, the company said in a press release.

该公司在新闻稿中说，Xapo提供的还款时间表为30、90、180或365天，没有对早期还款的处罚，而贷款健康追踪器则提供了对贷款状况和潜在风险的实时见解。