Credefi通过推出NFT债券来破坏传统债券市场

传统的债券市场仍然很复杂，不透明，并保留给精英。 Credefi通过启动NFT债券来破坏这些规范

Credefi is revolutionizing the traditional bond market with its NFT Bonds, a groundbreaking solution that makes investing in corporate bonds accessible, transparent, and profitable for everyone.

Credefi通过其NFT债券彻底改变了传统债券市场，这是一种开创性的解决方案，使所有人都可以对公司债券进行投资，透明和盈利。

This innovation is powered by the tokenization of real assets and the synergies of DeFi.

这项创新是由真实资产和Defi协同作用的代币化提供支持的。

Traditional finance institutions have largely neglected retail investors in their pursuit of optimal investment solutions. As a result, most individual investors find it challenging to gain access to private debt markets, despite the potential benefits it holds.

传统的财务机构在追求最佳投资解决方案时已被忽视了零售投资者。结果，尽管它具有潜在的利益，但大多数个人投资者发现获得私人债务市场的挑战。

Moreover, the structure of financial institutions and the presence of intermediaries contribute to increased fees, further limiting retail investors' participation in these markets.

此外，金融机构的结构和中介机构的存在有助于增加费用，进一步限制了散户投资者在这些市场中的参与。

Despite the efforts of FinTech startups to connect investors and companies, such as in crowdfunding platforms, these initiatives often struggle to achieve large-scale success.

尽管金融科技初创公司努力将投资者和公司（例如在众筹平台中）联系起来，但这些举措通常很难取得大规模的成功。

In the crypto sphere, lending protocols like Aave and Compound provide high interest rates for crypto investors but suffer from low utilization rates and limited capital. Conversely, Real World Asset (RWA) protocols like Blockfolio and Tokenized Value aim for large capital commitments but face difficulties in securing optimal yield opportunities.

在加密球体中，诸如AAVE和COMPOUND之类的贷款方案为加密投资者提供了高利率，但利用率较低和资本有限。相反，现实世界的资产（RWA）协议（例如Blockfolio和Sibenized价值）旨在实现巨大的资本承诺，但面临着确保最佳产量机会的困难。

This is where Credefi comes in. The European platform is disrupting the traditional bond market with its NFT Bonds, a new kind of bond that is not only liquid, tokenized, and backed by real assets but also offers several key advantages over traditional bonds.

这就是Credefi的来源。欧洲平台正在用其NFT债券破坏传统的债券市场，一种新型的债券不仅是液体，标记和以真实资产的支持，而且还提供了比传统债券的几个关键优势。

Founded in 2022 and operating from Paris, France, Credefi is a European platform regulated according to European standards. It is focused on connecting two worlds that are still too compartmentalized: DeFi lenders seeking stable returns and European SMEs (small and medium enterprises) looking for safe and fast financing.

Credefi成立于2022年，从法国巴黎运营，是根据欧洲标准受监管的欧洲平台。它的重点是连接两个仍然过于分室的世界：寻求稳定回报和欧洲中小型企业（中小型企业）寻求安全和快速融资的贷款人。

Its mission is to offer a reliable investment solution for crypto lenders through loans guaranteed by Real World Assets (RWA), such as real estate, inventory, or equipment, which are used to create NFT Bonds. These bonds are sold to crypto lenders, aiming to provide a regular income to investors while offering a lifeline to SMEs.

它的任务是通过由现实世界资产（RWA）（例如房地产，库存或设备）提供的贷款提供可靠的投资解决方案，这些贷​​款用于创建NFT债券。这些债券被出售给加密贷款人，旨在为投资者提供定期收入，同时为中小企业提供生命线。

In essence, Credefi’s NFT Bonds are a hybrid financial product combining the advantages of both traditional bonds and crypto assets. Like traditional bonds, they are backed by the cash flows of a company and offer a fixed rate of return. However, they are also issued and traded on a blockchain, like NFTs, rendering them liquid, transparent, and easily accessible.

从本质上讲，Credefi的NFT债券是一种混合金融产品，结合了传统债券和加密资产的优势。像传统债券一样，它们得到了公司现金流的支持，并提供固定的回报率。但是，它们也在区块链（例如NFT）上发行和交易，使其液体，透明且易于访问。

Each bond issued by Credefi is represented as a unique NFT on the blockchain. This allows for several key advantages:

Credefi发行的每笔债券都表示是区块链上的独特NFT。这允许几个关键优势：

- Extreme liquidity: NFT Bonds can be bought and sold at any time on secondary markets, offering investors an exit strategy and creditors the opportunity to invest in new projects.

- 极端流动性：NFT债券可以随时在二级市场上买卖，为投资者提供退出策略，债权人有机会投资新项目。

- Complete transparency: All information about the bonds, such as the issuer, maturity date, and interest rate, is publicly available on the blockchain.

- 完整的透明度：有关债券的所有信息，例如发行人，到期日和利率，都可以在区块链上公开获得。

- Atomicity and divisibility: NFT Bonds can be easily divided into smaller units or fractions, allowing for greater participation from retail investors with smaller capital outlays.

- 原子能和分裂性：NFT债券可以轻松地分为较小的单位或分数，从而使具有较小资本支出的零售投资者更多地参与。

This makes a huge difference in how bond investments are made: automated, liquid, transparent, and accessible.

这对债券投资的制定方式产生了巨大影响：自动化，液体，透明且可访问。

Compared to traditional bonds, which usually require large minimum investments (e.g., $100,000) and high entry barriers, Credefi’s offering stands out due to a series of concrete advantages:

与通常需要大量最低投资（例如100,000美元）和高入门障碍的传统债券相比，由于一系列具体的优势，Credefi的产品脱颖而出：

- Small minimum investment: Start investing in bonds with as little as $500.

- 最低投资小额投资：开始投资于$ 500的债券。

- Competitive interest rates: Enjoy higher returns compared to standard crypto lending protocols.

- 竞争利率：与标准加密贷款协议相比，享受更高的回报。

- Diversified portfolio: Invest in a variety of bonds from different European SMEs across various sectors.

- 多元化的投资组合：在各个部门投资来自不同欧洲中小企业的各种债券。

- Early-stage liquidity: Benefit from the secondary market for NFT Bonds, sold on the platform itself.

- 早期流动性：在平台本身出售的NFT债券的二级市场中受益。

To date, more than 4,000 users have joined the platform. The $4 million portfolio funded by Credefi has had no payment default, and over $500,000 has already been repaid to investors.

迄今为止，已有4,000多名用户加入了该平台。由Credefi资助的400万美元投资组合没有违约，已经偿还了超过500,000美元的投资者。

The platform has funded more than 30 European SMEs, with a clear growth strategy: to reach $100 million in tokenized bond market capitalization within 24 months. Three partner financial institutions already guarantee certain issues, reinforcing Credefi’s ecosystem credibility.

该平台已经为30多家欧洲中小企业提供了资金，并采用了明确的增长战略：在24个月内达到标记债券市值1亿美元。三个合作伙伴金融机构已经保证了某些问题，从而增强了Credefi的生态系统信誉。

Beyond the technical feat, Credefi lays the foundations for a new finance: inclusive, transparent, and open to all. In a world where NFTs have often been reduced to mere collectibles, NFT Bonds embody a concrete, useful, and profitable use case.

除了技术壮举之外，Credefi还为新金融的基础奠定了基础：包容性，透明和向所有人开放。在一个经常将NFT简化为收藏品的世界中，NFT键体现了具体，有用且有利可图的用例。

They allow any crypto investor to generate stable passive income backed by the real economy while benefitting from decentralized finance innovations. It is also a showcase for the rise of RWAs in DeFi: a fundamental trend seeking to give more solidity and legitimacy to the Web3 universe.

它们使任何加密投资者都能产生由真实经济支持的稳定的被动收入，同时受益于分散的金融创新。它也是RWA在Defi中崛起的展示：一种基本趋势，旨在为Web3宇宙提供更多的坚固性和合法性。

For those who want to go further, Credefi also offers an R2E (Read-to-Earn) quest where you can learn more about NFT Bonds and get rewarded in tokens for your curiosity.

对于那些想进一步发展的人，Credefi还提供了R2E（读取）任务，您可以在其中了解有关NFT债券的更多信息，并因好奇心而获得奖励。

With its NFT Bonds, Credefi has not just created a financial product. It has laid the foundation of a new paradigm: that of a hybrid finance, anchored in the real world but propelled by

凭借其NFT债券，Credefi不仅创造了金融产品。它奠定了新的范式的基础：固定在现实世界中的混合金融范式的基础