Intersect Finance 在 Neo X EVM 侧链测试网上推出借贷平台

Intersect Finance 已在 Neo X EVM 侧链测试网上推出借贷平台。为了激励活动，Intersect 目前正在开展积分奖励活动来对协议进行压力测试，为用户提供 100 万积分池中的份额。

Decentralized finance (DeFi) platform Intersect Finance has announced the launch of its borrowing-and-lending protocol on the Neo X EVM sidechain TestNet. To encourage activity on the platform, Intersect is also running a points reward campaign to stress-test the protocol, offering users a share from a pool of 1 million points.

去中心化金融（DeFi）平台 Intersect Finance 宣布在 Neo X EVM 侧链测试网上推出其借贷协议。为了鼓励平台上的活动，Intersect 还开展了积分奖励活动来对协议进行压力测试，为用户提供 100 万积分池中的份额。

As the first lending protocol to launch on Neo X, Intersect will power flash loans, high-efficiency borrowing, yield farming, and a tool for rewarding user engagement. The platform was built by Switcheo Labs, a DeFi development studio with deep roots in the Neo ecosystem, dating back to the first COZ dApps competition that concluded at Neo DevCon 1 in January 2018.

作为 Neo X 上推出的第一个借贷协议，Intersect 将为闪电贷、高效借贷、流动性挖矿以及奖励用户参与度的工具提供支持。该平台由 Switcheo Labs 构建，Switcheo Labs 是一家深深扎根于 Neo 生态系统的 DeFi 开发工作室，其历史可以追溯到 2018 年 1 月在 Neo DevCon 1 上结束的第一届 COZ dApps 竞赛。

The Intersect platform currently enables users to deposit, withdraw, borrow, and repay a loan with the following TestNet assets: SWTH, NEO, WGAS10, USDC, SUDT, WBTC, WETH, WSTETH, and DAI. While the team is launching support for EVM-based assets on Neo X, Intersect ultimately aims to offer support for Neo N3 assets on its platform.

Intersect 平台目前允许用户使用以下测试网资产进行存款、取款、借款和偿还贷款：SWTH、NEO、WGAS10、USDC、SUDT、WBTC、WETH、WSTETH 和 DAI。虽然该团队正在 Neo X 上推出对基于 EVM 的资产的支持，但 Intersect 的最终目标是在其平台上为其平台上的 Neo N3 资产提供支持。

How to borrow and lend on Intersect Finance

如何在 Intersect Finance 上借贷

Intersect users can supply collateral to the platform and earn interest at rates that are algorithmically adjusted based on the underlying asset’s supply and demand. Notably, Intersect doesn’t impose a minimum deposit amount; however, each supported asset has a supply cap to manage risk and ensure protocol stability. The cap is determined by market conditions and the asset’s general liquidity.

Intersect 用户可以向平台提供抵押品，并按照根据基础资产的供求情况通过算法调整的利率赚取利息。值得注意的是，Intersect 没有规定最低存款金额；然而，每种支持的资产都有供应上限，以管理风险并确保协议稳定性。上限由市场状况和资产的总体流动性决定。

When an asset is deposited, the user receives an aToken (i.e., aUSDC for USDC), representing their supplied balance. When the user returns the aToken, they’ll receive the initial deposit and interest accrued while the asset was lent on Intersect.

当存入资产时，用户会收到一个 aToken（即 USDC 的 aUSDC），代表其提供的余额。当用户归还 aToken 时，他们将收到初始存款和在 Intersect 上借出资产时产生的利息。

When borrowing an asset, the user faces the potential of liquidation, which is a risk management process that helps protect the protocol’s solvency and lenders. The Health Factor icon represents the user’s risk of potential liquidation – the higher the health factor, the less at risk the user’s loan. To protect a position from liquidation, the borrower can monitor their health factor, add collateral, repay the debt, use risk management tools, and be aware of market volatility.

当借入资产时，用户面临着清算的可能性，这是一个风险管理流程，有助于保护协议的偿付能力和贷方。健康系数图标代表用户潜在清算的风险——健康系数越高，用户贷款的风险越小。为了保护头寸免遭清算，借款人可以监控其健康状况、添加抵押品、偿还债务、使用风险管理工具并了解市场波动。

The borrow-and-lend features closely resemble those users can find on other platforms, but Intersect will offer two unique features on its protocol.

借贷功能与用户在其他平台上找到的功能非常相似，但 Intersect 将在其协议上提供两个独特的功能。

Flash Loans and Efficiency Mode on Intersect Finance

Intersect Finance 上的闪电贷和效率模式

According to Intersect, Flash Loans are a revolutionary concept in the broader DeFi ecosystem. Users can borrow digital assets from the platform without providing any underlying collateral. The caveat is that the loan is only available for a very brief period of time, typically within the same block that a transaction occurs, which is approximately 10.9 seconds on Neo X at the time of press.

据 Intersect 称，闪电贷是更广泛的 DeFi 生态系统中的一个革命性概念。用户无需提供任何底层抵押品，即可从平台借入数字资产。需要注意的是，贷款仅在非常短的时间内可用，通常在交易发生的同一区块内，截至发稿时 Neo X 上的时间约为 10.9 秒。

The borrower must build a smart contract to request a flash loan, which includes how the loan will work with payback steps, interest, and fees. The user borrows assets from a lending pool, performs a series of actions or trades, and then returns the borrowed assets (plus the additional fees) to the lending pool. If the loan is repaid successfully, the transaction is confirmed and added to the blockchain. If not, the transaction is reverted, and nothing will happen.

借款人必须建立智能合约来请求闪电贷款，其中包括贷款如何使用还款步骤、利息和费用。用户从借贷池借入资产，执行一系列操作或交易，然后将借入的资产（加上额外费用）返还至借贷池。如果贷款成功偿还，交易将被确认并添加到区块链中。如果没有，交易将被恢复，并且不会发生任何事情。

Intersect’s Efficiency Mode (or E-Mode) feature is designed to maximize capital efficiency for users when dealing with assets that have correlated prices. E-Mode allows users to put forth lower amounts of collateral to take out loans on particular assets with higher loan-to-value ratios. For example, stablecoins are pegged to the US dollar, offering higher LTV ratios when USDC is used as collateral to borrow USDT.

Intersect 的效率模式（或 E 模式）功能旨在在处理具有相关价格的资产时最大限度地提高用户的资本效率。 E-Mode允许用户提供较低数量的抵押品，以获取贷款价值比较高的特定资产的贷款。例如，稳定币与美元挂钩，当使用 USDC 作为抵押品借入 USDT 时，可以提供更高的 LTV 比率。

While E-Mode offers higher leverage opportunities, the ability to borrow other assets is restricted to those within the category (i.e., stablecoins, ETH-correlated assets).

虽然 E 模式提供了更高的杠杆机会，但借用其他资产的能力仅限于该类别内的资产（即稳定币、ETH 相关资产）。

The Intersect team has launched a points program to encourage users to test the new borrow-and-lend protocol being built on Neo X.

Intersect 团队推出了积分计划，鼓励用户测试在 Neo X 上构建的新借贷协议。

Intersect Points Program

交点程序

The Intersect Points program was designed to reward active participants within the platform’s ecosystem. By engaging with various facets of Intersect, users can earn points that unlock benefits within the dApp. Examples of benefits include the ability to participate in governance processes, access to exclusive features and products, potential token airdrops, tier-based benefits and rewards, and community recognition via leaderboards.

Intersect Points 计划旨在奖励平台生态系统中的积极参与者。通过参与 Intersect 的各个方面，用户可以获得积分，从而解锁 dApp 中的优势。好处的例子包括参与治理流程的能力、访问专有功能和产品、潜在的代币空投、基于等级的好处和奖励以及通过排行榜获得社区认可。

Users can earn points for performing various activities, such as:

用户可以通过执行各种活动来赚取积分，例如：

The first time they borrow an asset

他们第一次借入资产

The first time they repay an asset

他们第一次偿还资产

The first time they liquidate an asset

他们第一次清算资产

The first time they add collateral to a position

他们第一次向头寸添加抵押品

The first time they withdraw an asset from a position

他们第一次从头寸中提取资产

The first time they claim rewards from a position

他们第一次从某个职位领取奖励

The first time they participate in governance

他们第一次参与治理

The first time they vote on a governance proposal

他们第一次对治理提案进行投票

The first time they create a proposal on the governance

他们第一次提出治理提案