市场动荡中，Celsius 加密货币贷款机构申请破产

在加密货币价格暴跌和市场波动的背景下，主要加密货币贷款机构摄氏度网络 (Celsius Network) 已根据美国破产法第 11 章申请破产保护。在此之前，terraUST (UST) 和 LUNA 的崩溃引发了长达一个月的破产斗争，加速了消费者对加密行业信心的下降。

Celsius Network Files for Bankruptcy Amidst Crypto Market Turmoil

加密货币市场动荡之际，Celsius Network 申请破产

New York, July 13, 2022 - Crypto lender Celsius Network has filed for bankruptcy protection under Chapter 11 in the United States Bankruptcy Court for the Southern District of New York. The move comes after a months-long struggle with insolvency issues precipitated by the recent crypto market downturn.

纽约，2022 年 7 月 13 日 - 加密货币贷款机构摄氏度网络已根据第 11 章向纽约南区美国破产法院申请破产保护。此举是在与最近的加密货币市场低迷引发的破产问题进行了长达数月的斗争之后做出的。

Chronology of Events Leading to Bankruptcy

导致破产的事件年表

April 12, 2022: Celsius Network first signals financial distress by announcing that its U.S. platform will no longer allow non-accredited investors to deposit new assets or earn rewards on its Earn platform. The company cites ongoing discussions with U.S. regulators regarding its Earn product as the reason for this move.

2022 年 4 月 12 日：Celsius Network 首先宣布其美国平台将不再允许未经认可的投资者在其 Earn 平台上存入新资产或赚取奖励，从而发出财务困境信号。该公司称，此举的原因是与美国监管机构正在就其 Earn 产品进行讨论。

May 2022: The collapse of the algorithmic stablecoin terraUST and its sister coin LUNA triggers a $40 billion market crash, destabilizing the cryptocurrency industry and eroding consumer confidence. The event exacerbates a "crypto winter" and industry-wide sell-off, prompting a surge in withdrawals from Celsius users.

2022 年 5 月：算法稳定币 terraUST 及其姊妹币 LUNA 的崩溃引发了 400 亿美元的市场崩盘，破坏了加密货币行业的稳定并削弱了消费者信心。该事件加剧了“加密货币冬天”和全行业的抛售，促使摄氏度用户提款激增。

June 12, 2022: Celsius freezes withdrawals, swaps, and transfers due to "extreme market conditions," raising concerns about the platform's liquidity. The company does not provide a timeline for restoring services, stoking fears among its 1.7 million users.

2022 年 6 月 12 日：由于“极端市场条件”，Celsius 冻结了提款、掉期和转账，引发了对该平台流动性的担忧。该公司没有提供恢复服务的时间表，这引发了 170 万用户的担忧。

June 30, 2022: Celsius hires restructuring expert Alvarez & Marsal to explore options to mitigate the impact of its financial difficulties. The firm emphasizes its focus on stabilizing liquidity and operations to provide further information to the community.

2022 年 6 月 30 日：Celsius 聘请重组专家 Alvarez & Marsal 探索减轻财务困难影响的方案。该公司强调其重点是稳定流动性和运营，以便向社区提供更多信息。

July 3, 2022: Celsius lays off approximately 23% of its workforce, following the suspension of user withdrawals and transfers. The company cites growing liquidity issues as the reason for the job cuts.

2022 年 7 月 3 日：在暂停用户提款和转账后，Celsius 解雇了约 23% 的员工。该公司将日益严重的流动性问题作为裁员的原因。

July 7, 2022: Decentralized Finance (DeFi) aggregator KeyFi files a lawsuit against Celsius in the New York State Supreme Court, alleging market manipulation and inadequate accounting controls to safeguard user deposits. KeyFi CEO Jason Stone accuses Celsius of misleading statements about its investment strategy and oversight, exposing its portfolio to market fluctuations without hedging. Stone further alleges that Celsius operated like a Ponzi scheme, causing him significant financial losses.

2022 年 7 月 7 日：去中心化金融 (DeFi) 聚合商 KeyFi 在纽约州最高法院对摄氏度提起诉讼，指控其存在市场操纵行为以及保护用户存款的会计控制不足。 KeyFi首席执行官杰森·斯通(Jason Stone)指责Celsius对其投资策略和监督的误导性陈述，使其投资组合在没有对冲的情况下面临市场波动的风险。斯通进一步声称，摄尔塞尔的运作方式就像庞氏骗局，给他造成了巨大的经济损失。

July 12, 2022: Celsius transfers $8.4 million in USDC stablecoin to DeFi lending protocol Aave, releasing collateralized tokens worth approximately $25 million, including stETH, LINK, and SNX.

2022 年 7 月 12 日：Celsius 将 840 万美元的 USDC 稳定币转移到 DeFi 借贷协议 Aave，释放了价值约 2500 万美元的抵押代币，包括 stETH、LINK 和 SNX。

July 13, 2022: Celsius Network files for Chapter 11 bankruptcy protection. The company states that the filing aims to stabilize its business and protect customers after the suspension of withdrawals. The filing prevents certain customers from being paid in full while allowing Celsius to recover value from illiquid assets.

2022 年 7 月 13 日：Celsius Network 根据美国破产法第 11 章申请破产保护。该公司表示，该备案旨在在暂停提款后稳定其业务并保护客户。该文件阻止了某些客户获得全额付款，同时允许摄氏度从非流动资产中收回价值。

July 14, 2022: A court filing by Celsius' advisory partner Kirkland & Ellis reveals a $1.3 billion hole in the company's balance sheet, marking the first official acknowledgment of the shortfall.

2022 年 7 月 14 日：Celsius 咨询合作伙伴 Kirkland & Ellis 向法庭提交的文件显示，该公司的资产负债表存在 13 亿美元的缺口，这标志着该公司首次正式承认这一缺口。

Implications for the Crypto Industry

对加密行业的影响

Celsius' bankruptcy is the latest in a series of high-profile crypto company insolvencies, including Voyager Digital and Three Arrows Capital, which have shaken the industry. The event underscores the ongoing challenges faced by the crypto market, including volatility, regulatory uncertainty, and liquidity issues.

elsel 的破产是一系列备受瞩目的加密货币公司破产案中的最新一起，这些公司包括 Voyager Digital 和 Three Arrows Capital，这些公司震惊了整个行业。该事件凸显了加密市场面临的持续挑战，包括波动性、监管不确定性和流动性问题。

Celsius' failure has raised concerns about the safety and sustainability of crypto lending platforms. Investors are urged to exercise caution and carefully evaluate the risks associated with such platforms before entrusting them with their assets.

摄氏的失败引发了人们对加密借贷平台的安全性和可持续性的担忧。投资者在委托资产之前应谨慎行事，并仔细评估与此类平台相关的风险。

Regulators worldwide are expected to increase scrutiny of the crypto industry in the wake of recent events. This could lead to stricter regulations and oversight, potentially impacting the future development and adoption of cryptocurrencies.

在最近发生的事件之后，预计世界各地的监管机构将加强对加密货币行业的审查。这可能会导致更严格的监管和监督，从而可能影响加密货币的未来发展和采用。