Credbull 的私人信贷基金：以 30% 的回报潜力彻底改变 DeFi 借贷

Credbull 正在推出一款链上私人信贷基金，目标回报率高达 30%，这标志着 DeFi 借贷领域的成熟。该基金投资于高收益贷款市场，在加密货币轨道上复制私人信贷的核心，为长期投资者提供高达 10% 的固定收益解决方案和 10-20% 的上行潜力。

Credbull's Private Credit Fund Revolutionizes DeFi Lending Landscape with 30% Return Potential

Credbull 的私人信贷基金以 30% 的回报潜力彻底改变了 DeFi 借贷格局

In a transformative development for the decentralized finance (DeFi) sector, Credbull, a crypto startup, is poised to launch an on-chain private credit fund that promises to unlock access to high-yield lending markets for investors.

在去中心化金融 (DeFi) 领域的变革性发展中，加密货币初创公司 Credbull 准备推出一款链上私人信贷基金，承诺为投资者打开进入高收益借贷市场的大门。

This trailblazing product marks a significant leap in the evolution of DeFi's lending capabilities, which have historically been confined to decentralized exchanges and stablecoin applications. By introducing private credit to the digital realm, Credbull is bridging the gap between traditional finance and the burgeoning crypto market.

这一开创性的产品标志着 DeFi 借贷能力发展的重大飞跃，该能力历来仅限于去中心化交易所和稳定币应用程序。通过将私人信贷引入数字领域，Credbull 正在弥合传统金融与蓬勃发展的加密货币市场之间的差距。

Recreating Real-World Success in the Digital Realm

在数字领域重现现实世界的成功

Credbull's initial fund meticulously emulates the core principles of private credit in the traditional financial world, translating them into the crypto sphere. Investors seamlessly contribute to the fund using the stablecoin USD Coin (USDC), which is subsequently converted to dollars by Credbull through Circle, the leading stablecoin issuer. These funds are then channeled to SME originators – debt financing companies that extend loans to businesses in need of capital.

Credbull 的初始基金精心模仿传统金融世界私人信贷的核心原则，并将其转化为加密货币领域。投资者使用稳定币 USD Coin (USDC) 无缝地向该基金捐款，随后 Credbull 通过领先的稳定币发行商 Circle 将其转换为美元。然后，这些资金被输送给中小企业发起人——向需要资金的企业提供贷款的债务融资公司。

"The allure of high yields and market fluctuations has captivated investors," observed Credbull CEO Jason Dehni in an interview with CoinDesk. "However, there is a glaring absence of high fixed yield solutions in the current investment landscape."

Credbull 首席执行官 Jason Dehni 在接受 CoinDesk 采访时表示：“高收益率和市场波动的诱惑吸引了投资者。” “然而，当前的投资环境中明显缺乏高固定收益解决方案。”

Harnessing On-Chain Efficiency for Enhanced Returns

利用链上效率来提高回报

The high-yield targets of Credbull's fund are not solely driven by the underlying lending market dynamics but are also amplified by the fund's on-chain structure. Streamlining operations on a blockchain eliminates administrative costs, reducing fees by a significant margin of up to 150 basis points – a saving that is ultimately passed on to investors in the form of enhanced returns.

Credbull 基金的高收益目标不仅由潜在的借贷市场动态驱动，而且还因基金的链上结构而放大。简化区块链上的运营可以消除管理成本，将费用大幅降低高达 150 个基点——这种节省最终以提高回报的形式传递给投资者。

In the traditional private credit market, small and mid-sized businesses seek financing from specialized lenders rather than relying on banks. This sector has matured into a colossal $1.7 trillion industry, effectively challenging the dominance of banks and attracting discerning investors who are willing to commit their capital for extended periods in pursuit of attractive returns.

在传统的私人信贷市场中，中小企业从专业贷款机构寻求融资，而不是依赖银行。该行业已发展成为规模达 1.7 万亿美元的庞大产业，有效挑战了银行的主导地位，并吸引了愿意长期投入资本以追求有吸引力的回报的眼光敏锐的投资者。

Bridging the Gap Between Crypto and Real-World Investments

弥合加密货币与现实世界投资之间的差距

While private credit deals have occasionally emerged in the crypto realm, they have largely been overshadowed by the high-risk ventures that dominate the DeFi landscape. Stablecoin treasuries, which tokenize and fractionalize U.S. government bonds, and variable rate lending pools, which cater primarily to traders, have captured the majority of the stable and predictable returns associated with real-world assets (RWAs).

虽然私人信贷交易偶尔会在加密货币领域出现，但它们在很大程度上被主导 DeFi 领域的高风险企业所掩​​盖。对美国政府债券进行代币化和细分的稳定币国债，以及主要面向交易者的可变利率贷款池，已经获得了与现实世界资产（RWA）相关的大部分稳定且可预测的回报。

Credbull's fund introduces a distinctive twist to this narrative, offering more than just tokenized debt. Investors, referred to as the "community," actively participate in shaping the fund's risk profile and gain unparalleled transparency into the management of their funds – a level of governance and accountability that is notably lacking in traditional private credit markets.

Credbull 的基金为这种叙述引入了独特的转折，提供的不仅仅是代币化债务。被称为“社区”的投资者积极参与塑造基金的风险状况，并获得其资金管理无与伦比的透明度——传统私人信贷市场明显缺乏的治理和问责水平。

Tailoring to the Unique Needs of DeFi Investors

满足 DeFi 投资者的独特需求

Recognizing the distinctive nature of DeFi investors, Credbull has designed its fund with shorter lockup periods than traditional private credit investments. The typical 6- to 12-month lockup duration allows investors greater flexibility in adjusting their portfolios. Additionally, the fund offers fixed yields of up to 10% for longer-term investors, supplemented by an additional 10 to 20% of the fund's generated upside.

认识到 DeFi 投资者的独特性，Credbull 设计了比传统私人信贷投资更短的锁定期的基金。通常的锁定期为 6 至 12 个月，使投资者可以更灵活地调整其投资组合。此外，该基金为长期投资者提供高达 10% 的固定收益率，并补充基金产生的额外 10% 至 20% 的收益。

"We are not targeting family offices," emphasized Dehni. "Our goal is not to lock funds for over 12 months. DeFi investors have different needs and preferences, and our fund is tailored to those unique requirements."

“我们的目标不是家族办公室，”德尼强调。 “我们的目标不是锁定资金超过 12 个月。DeFi 投资者有不同的需求和偏好，我们的基金是根据这些独特的要求量身定制的。”

A Catalyst for Broader Credit Market Professionalization

更广泛信贷市场专业化的催化剂

Credbull's foray into the private credit market is a testament to the maturing sophistication of crypto credit markets. Goldfinch, a notable player in the lending protocol space, recently launched an SEC-registered investment advisory service that facilitates private credit deals through its on-chain platform.

Credbull 进军私人信贷市场证明了加密货币信贷市场的日趋成熟。 Goldfinch 是借贷协议领域的知名参与者，最近推出了一项在 SEC 注册的投资咨询服务，通过其链上平台促进私人信贷交易。

Credbull's fund, registered in the Bahamas, boasts the distinction of being the first licensed on-chain private credit fund, signaling a pivotal shift towards regulated and compliant investment structures in the crypto realm. Preparations are underway for the fund's launch, anticipated in May, with several crypto finance platforms actively exploring partnerships to integrate the Credbull fund into their offerings.

Credbull 的基金在巴哈马注册，是第一家获得许可的链上私人信贷基金，标志着加密领域向受监管和合规投资结构的关键转变。该基金的启动准备工作正在进行中，预计将于 5 月推出，多个加密货币金融平台正在积极探索合作伙伴关系，将 Credbull 基金整合到其产品中。

"To foster the growth and maturity of our industry, we must prioritize the diversification of fixed yield offerings," Dehni stated. Credbull's private credit fund is a pivotal step in this direction, unlocking access to traditional investment opportunities for DeFi investors and further legitimizing the crypto asset class as a viable investment destination.

“为了促进我们行业的增长和成熟，我们必须优先考虑固定收益产品的多元化，”德尼表示。 Credbull 的私人信贷基金是朝这个方向迈出的关键一步，为 DeFi 投资者释放了传统投资机会，并进一步使加密资产类别作为可行的投资目的地合法化。