总部位于直布罗陀的Xapo银行扩展到比特币支持的贷款，提供高达100万美元的贷款

Xapo Bank是一家总部位于直布罗陀的金融机构，正登上由比特币支持的贷款，向长期BTC持有人提供高达100万美元的贷款。

Gibraltar-based Xapo Bank is introducing a unique service by offering Bitcoin-backed loans of up to $1 million to long-term BTC holders.

总部位于直布罗陀的Xapo Bank通过向长期BTC持有人提供比特币支持的贷款最高100万美元，从而引入了独特的服务。

As announced today, eligible clients can now access U.S. dollar loans without selling their Bitcoin. The move marks a comeback for crypto lending following the failures of Celsius and BlockFi last year.

正如今天宣布的那样，符合条件的客户现在可以在不出售比特币的情况下获得美元贷款。此举标志着去年Celsius和Blockfi失败之后加密贷款的卷土重来。

While trust in borrowers was affected by those events, there’s been increasing demand for Bitcoin-backed loans, especially from high-net-worth individuals and institutional investors needing liquidity, Seamus Rocca, Xapo’s CEO, explained.

Xapo的首席执行官Seamus Rocca解释说，尽管对借款人的信任受到这些事件的影响，但人们对比特币支持的贷款的需求不断增加，尤其是来自需要流动性的高净值个人和机构投资者，XAPO首席执行官Seamus Rocca解释说。

“At Xapo, we are keenly aware of the trust that has been placed in us by our clients and the broader industry. It is a trust we do not take lightly, especially in light of the recent events that have unfolded, casting a shadow of doubt on the stability and reliability of some crypto lending platforms,” Rocca added.

Rocca补充说：“在Xapo，我们敏锐地意识到客户和更广泛的行业对我们的信任。

The bank will provide instant alerts if BTC prices experience a significant drop, allowing borrowers to quickly top up collateral or make repayments to avoid liquidation. Xapo also includes risk management tools and claims to have “proactive security features” in place.

如果BTC价格大幅下降，则银行将提供即时警报，从而使借款人可以快速加倍抵押品或还款以避免清算。 XAPO还包括风险管理工具，并索赔具有“主动安全功能”。

Announced earlier this month, Bitcoin developer Blockstream secured a multibillion-dollar investment to launch new institutional funds, two of which will focus on BTC lending.

比特币开发商BlockStream于本月初宣布，获得了数十亿美元的投资，以启动新的机构资金，其中两个将重点放在BTC贷款上。

Founded in 2013, Xapo Bank transitioned from a Bitcoin wallet to an e-money wallet and operates as a “digital-first” retail bank and virtual asset service provider (VASP) custodian. It guarantees USD deposits up to €100,000 and uses multi-party computation (MPC) technology for security.

Xapo银行成立于2013年，从比特币钱包过渡到电子货币钱包，并作为“数字优先”零售银行和虚拟资产服务提供商（VASP）Custodian运营。它保证了最高可达100,000欧元的美元存款，并使用多方计算（MPC）技术进行安全。

Having secured a UK banking license through a passporting scheme operated by the Financial Conduct Authority (FCA), Prudential Regulation Authority (PRA), Bank of England, and Gibraltar authorities, Xapo is the first UK bank to offer interest-bearing bitcoin and fiat accounts.

Xapo通过金融行为管理局（FCA），审慎监管局（PRA），英格兰银行和直布罗陀当局执行的护照计划获得了英国银行许可证，XAPO是英国第一家提供利息比特币和FIAT帐户的银行。

The bank’s platform provides a 1% interest rate on bitcoin without any staking, lending, or locking up of assets. Users can also spend bitcoin via Xapo’s debit card, send GBP payments to UK accounts, invest in S&P 500 stocks, acquire select cryptocurrencies, and access stablecoin payment rails with USD accounts.

该银行的平台在没有任何资产，贷款或锁定资产的情况下提供1％的比特币利率。用户还可以通过XAPO的借记卡来花费比特币，将GBP付款发送到英国帐户，投资500股股票，获取精选的加密货币，并使用USD帐户访问Stablecoin付款栏。

Fintech firms have faced difficulties in securing UK licenses, but Xapo Bank, regulated by the Gibraltar Financial Services Commission since 2021, meets the UK’s regulatory standards.

金融科技公司在获得英国许可方面面临困难，但是自2021年以来，由直布罗陀金融服务委员会监管的Xapo银行符合英国的监管标准。