掌握加密借贷的艺术：解锁最大回报

如果您正在寻求加密货币的利息，类似于在银行赚取利息，请考虑加密货币借贷平台。以下是截至 2024 年 4 月的有竞争力的汇率：BTC、WBTC、ETH、USDT 和 USDC。深入研究了 CeFi 和 DeFi 平台的比较优缺点，重点介绍了领先的提供商，包括 Nexo、Crypto.com、CoinLoan、Binance Savings、YouHodler、Aave、Compound、Alchemix 和 Mango。讨论了选择加密货币借贷平台时需要考虑的重要因素，例如寿命、成本和费用、平台风险、抵押品金额和最低存款。这篇文章强调了围绕加密货币借贷的安全问题，特别是在摄氏度崩溃之后，并提供了对信誉良好的平台当前实施的安全措施的见解。此外，本文还探讨了与 CeFi 和 DeFi 借贷平台相关的潜在风险。

Embark on a Lucrative Journey: Master the Art of Crypto Lending for Maximum Returns

踏上利润丰厚的旅程：掌握加密借贷的艺术以获得最大回报

In the ever-evolving crypto landscape, maximizing the potential of your digital assets is paramount. Enter crypto lending platforms, an innovative bridge that empowers investors to earn compelling interest on their cryptocurrencies, mirroring the traditional banking experience. With the industry witnessing a proliferation of options, navigating the complexities of crypto lending can be daunting. Fear not, for this comprehensive guide will arm you with the knowledge and insights necessary to discern the best crypto lending platforms, enabling you to unlock exceptional returns.

在不断发展的加密货币领域，最大限度地发挥数字资产的潜力至关重要。进入加密借贷平台，这是一个创新的桥梁，使投资者能够通过其加密货币赚取引人注目的利息，这反映了传统的银行业务体验。随着行业内选择的增多，应对加密货币贷款的复杂性可能会令人望而生畏。不要害怕，因为这本全面的指南将为您提供识别最佳加密货币借贷平台所需的知识和见解，使您能够获得卓越的回报。

Types of Crypto Lending Platforms: Understanding the Differences

加密借贷平台的类型：了解差异

The crypto lending arena encompasses two primary types of platforms: centralized finance (CeFi) and decentralized finance (DeFi).

加密借贷领域包括两种主要类型的平台：中心化金融（CeFi）和去中心化金融（DeFi）。

Centralized Finance (CeFi) Platforms

集中式金融 (CeFi) 平台

CeFi platforms operate akin to traditional banks, entrusting a central entity or company with the safekeeping of your crypto assets. These platforms often implement KYC (Know Your Customer) and AML (Anti-Money Laundering) practices, requiring clients to share personal information. While this may not align with the ethos of decentralization prevalent in the crypto realm, it offers the comfort of knowing that a regulated entity is overseeing your investments. CeFi platforms often provide higher interest rates than traditional savings accounts, ranging from 5% to 18%.

CeFi 平台的运作类似于传统银行，委托中央实体或公司保管您的加密资产。这些平台通常实施 KYC（了解您的客户）和 AML（反洗钱）做法，要求客户共享个人信息。虽然这可能与加密货币领域盛行的去中心化精神不符，但它让您放心地知道受监管的实体正在监督您的投资。 CeFi 平台通常提供比传统储蓄账户更高的利率，从 5% 到 18% 不等。

Decentralized Finance (DeFi) Platforms

去中心化金融（DeFi）平台

DeFi platforms embrace the principles of decentralization, eliminating the need for intermediaries. Instead, smart contract-based algorithms govern the lending and borrowing process, enabling users to maintain complete control over their funds. KYC verification is not required, providing enhanced privacy but also eliminating the possibility of seeking recourse in case of any mishaps. DeFi platforms generally offer lower interest rates compared to their CeFi counterparts but provide the freedom to transact anonymously.

DeFi 平台遵循去中心化原则，消除了对中介机构的需求。相反，基于智能合约的算法控制借贷过程，使用户能够保持对其资金的完全控制。不需要 KYC 验证，从而增强了隐私性，同时也消除了在发生任何事故时寻求追索的可能性。与 CeFi 平台相比，DeFi 平台通常提供较低的利率，但提供匿名交易的自由。

Best CeFi Lending Rates

最佳 CeFi 贷款利率

Nexo

关系

Nexo stands as a titan among crypto lending platforms, boasting assets under management exceeding $12 billion and a sprawling user base spanning 3 million worldwide. Its intuitive interface and competitive interest rates, reaching up to 18% on various digital assets, make it an ideal platform for beginners and experienced investors alike. Nexo also supports a wide range of cryptocurrencies, including BTC, ETH, and stablecoins like USDC and USDT, offering interest rates that far surpass those offered by traditional savings accounts.

Nexo 是加密借贷平台中的巨头，管理的资产超过 120 亿美元，在全球拥有 300 万庞大的用户群。其直观的界面和具有竞争力的利率（各种数字资产高达 18%）使其成为初学者和经验丰富的投资者的理想平台。 Nexo 还支持多种加密货币，包括 BTC、ETH 以及 USDC 和 USDT 等稳定币，提供的利率远远超过传统储蓄账户的利率。

Crypto.com

加密网

Crypto.com has emerged as a formidable player in the cryptocurrency industry, offering a comprehensive suite of services, including exchange, lending, and non-fungible tokens (NFTs). The platform's Crypto Earn product has consistently yielded interest rates exceeding 10% on various digital assets, including its native token, Crypto.com Coin. By staking more of this token, users can unlock even higher interest rates, further amplifying their earning potential. Crypto.com's partnership with Visa to settle transactions on its payment network is a testament to its credibility and reliability.

Crypto.com 已成为加密货币行业的强大参与者，提供全面的服务，包括交易、借贷和不可替代代币 (NFT)。该平台的 Crypto Earn 产品对各种数字资产（包括其原生代币 Crypto.com Coin）的利率始终超过 10%。通过抵押更多该代币，用户可以解锁更高的利率，进一步放大他们的盈利潜力。 Crypto.com 与 Visa 合作在其支付网络上结算交易，这证明了其可信度和可靠性。

CoinLoan

币贷

CoinLoan specializes in crypto lending, empowering users to earn daily interest without locking up their funds. The platform supports a diverse range of assets, including stablecoins, cryptocurrencies, and fiat currencies. Its interest rates on popular coins such as Bitcoin and Ethereum hover around 7.2%, while stablecoins command rates as high as 12.3%. CoinLoan employs a robust security infrastructure, including insured custody, vulnerability scans, and cold crypto storage, ensuring the protection of user funds.

CoinLoan 专注于加密货币借贷，使用户能够在不锁定资金的情况下赚取每日利息。该平台支持多种资产，包括稳定币、加密货币和法定货币。比特币和以太坊等流行代币的利率徘徊在 7.2% 左右，而稳定币的利率则高达 12.3%。 CoinLoan采用强大的安全基础设施，包括保险托管、漏洞扫描和冷加密存储，确保用户资金的保护。

Binance Savings

币安储蓄

Binance Savings is the crypto lending arm of Binance, the world's largest cryptocurrency exchange by trading volume. The platform offers two options: flexible savings and locked savings. Flexible savings allows for instant withdrawals, while locked savings offers higher interest rates for longer deposit periods. Binance provides particularly attractive interest rates on its proprietary stablecoin, BUSD, making it a compelling option for those seeking stability and yield.

币安储蓄是币安的加密借贷部门，币安是全球交易量最大的加密货币交易所。该平台提供两种选择：灵活储蓄和锁定储蓄。灵活的储蓄允许即时取款，而锁定储蓄则可以为更长的存款期限提供更高的利率。币安为其专有的稳定币 BUSD 提供特别有吸引力的利率，使其成为那些寻求稳定性和收益的人的一个有吸引力的选择。

Youhodler

尤霍德勒

Youhodler, a Swiss-based fintech platform, focuses on crypto lending and exchange services. Users can earn interest on deposits in BTC, USDC, TUSD, PAX, and other cryptocurrencies, with interest paid weekly at rates ranging from 5% for BTC and ETH to over 12% for stablecoins. Additionally, the platform offers crypto loans with varying loan-to-value (LTV) ratios and durations. Youhodler's robust security measures and commitment to user satisfaction have garnered it a strong reputation within the industry.

Youhodler 是一家总部位于瑞士的金融科技平台，专注于加密货币借贷和兑换服务。用户可以通过 BTC、USDC、TUSD、PAX 和其他加密货币的存款赚取利息，每周支付利息，利率从 BTC 和 ETH 的 5% 到稳定币的 12% 以上不等。此外，该平台还提供具有不同贷款价值（LTV）比率和期限的加密货币贷款。 Youhodler 强大的安全措施和对用户满意度的承诺使其在业界赢得了良好的声誉。

Best DeFi Lending Rates

最佳 DeFi 贷款利率

Aave

鬼

Aave is a DeFi lending powerhouse, enabling users to borrow and lend money without intermediaries. Its extensive support for cryptocurrencies, including ETH, USDC, DAI, and USDT, caters to a diverse range of investors. Aave users can enjoy attractive interest rates on both sides of the lending equation, with rates varying based on market conditions and the asset being lent or borrowed.

Aave 是一家 DeFi 借贷巨头，让用户无需中介即可借贷。它对加密货币（包括 ETH、USDC、DAI 和 USDT）的广泛支持，满足了多元化的投资者的需求。 Aave 用户可以在贷款等式两边享受有吸引力的利率，利率根据市场状况和借出或借入的资产而变化。

Compound

化合物

Compound, like Aave, is a highly influential DeFi lending platform that pioneered the concept of decentralized lending. Its user-friendly interface and support for over 20 cryptocurrencies make it accessible to both novice and seasoned investors. Compound also rewards its users with its native token, COMP, which confers voting rights and governance privileges.

与 Aave 一样，Compound 是一个极具影响力的 DeFi 借贷平台，开创了去中心化借贷的概念。其用户友好的界面和对 20 多种加密货币的支持使新手和经验丰富的投资者都可以使用它。 Compound 还以其原生代币 COMP 奖励其用户，该代币授予投票权和治理特权。

Alchemix

炼金术士

Alchemix introduces a unique twist in the DeFi lending landscape with its self-paying loans. By depositing DAI, users can obtain loans up to 50% LTV, which are disbursed in the form of alUSD, Alchemix's native USD-backed stablecoin. The loan is gradually repaid over time using the net returns generated by staking the initial DAI principal, providing borrowers with a convenient and automated way to access liquidity.

Alchemix 通过自付贷款为 DeFi 借贷领域带来了独特的变化。通过存入 DAI，用户可以获得高达 50% LTV 的贷款，这些贷款以 Alchemix 原生的美元支持的稳定币 alUSD 的形式支付。随着时间的推移，利用质押初始 DAI 本金产生的净回报逐步偿还贷款，为借款人提供了一种便捷且自动化的获取流动性的方式。

Mango

芒果

Mango, a decentralized cryptocurrency exchange, also incorporates a DeFi lending service. Users can borrow and lend various cryptocurrencies, including the platform's native MNGO token, at competitive interest rates. Notably, Mango's protocol is currently undergoing an upgrade, with the v4 update expected to relaunch the platform in the first half of 2023.

Mango 是一家去中心化加密货币交易所，还提供 DeFi 借贷服务。用户可以以具有竞争力的利率借入和借出各种加密货币，包括该平台的原生 MNGO 代币。值得注意的是，Mango 的协议目前正在进行升级，v4 更新预计将于 2023 年上半年重新启动该平台。

How to Select the Best Crypto Lending Platforms

如何选择最佳的加密货币借贷平台

Selecting the ideal crypto lending platform requires careful consideration, given the rapidly evolving nature of the industry. Here are some key factors to guide your decision:

鉴于该行业快速发展的性质，选择理想的加密货币借贷平台需要仔细考虑。以下是指导您做出决定的一些关键因素：

1. Longevity: Seek platforms with a proven track record of at least two years, indicating their stability and resilience.

1. 寿命长：寻求具有至少两年良好记录的平台，表明其稳定性和弹性。

2. Costs and Fees: Consider the fees associated with withdrawals, accessing loans, and other operations. Ethereum gas fees, often overlooked, can significantly impact your returns.

2. 成本和费用：考虑与提款、贷款和其他操作相关的费用。经常被忽视的以太坊汽油费可能会严重影响您的回报。

3. Platform Risks: Conduct thorough research on the reputation and security measures of CeFi platforms. For DeFi platforms, assess their track record and community feedback.

3. 平台风险：对CeFi平台的声誉和安全措施进行深入研究。对于 DeFi 平台，评估其业绩记录和社区反馈。

4. Collateral Amount: Understand the collateral requirements for borrowers. Adequate collateralization protects lenders in the event of market downturns. Aim for platforms with collateralization levels of at least 100%.

4. 抵押品金额：了解借款人的抵押品要求。充足的抵押可以在市场低迷时保护贷款人。目标是抵押水平至少为 100% 的平台。

5. Minimum Deposit: Consider the minimum investment required to participate in the platform. Use a crypto interest calculator to determine your actual interest earnings after factoring in fees and taxes.

5. 最低存款：考虑参与平台所需的最低投资。使用加密货币利息计算器来确定您在考虑费用和税收后的实际利息收入。

Understanding the Mechanics of Crypto Lending

了解加密借贷的机制

Crypto lending acts as a bridge between investors seeking passive income and borrowers utilizing their digital assets as collateral. A crypto lending platform facilitates these transactions.

加密贷款充当寻求被动收入的投资者和利用其数字资产作为抵押品的借款人之间的桥梁。加密借贷平台促进了这些交易。

1. Lenders: Investors lend their digital assets to earn interest on their idle holdings.

1. 贷方：投资者借出其数字资产以赚取其闲置资产的利息。

2. Borrowers: Borrowers obtain loans by pledging their digital assets as collateral.

2.借款人：借款人以自己的数字资产作为抵押品获得贷款。

3. Platforms: These third-party platforms connect lenders and borrowers, managing the lending process and safeguarding the assets involved.

3. 平台：这些第三方平台连接贷款人和借款人，管理贷款流程并保护所涉及的资产。

DeFi vs. CeFi Lending: A Comparative Analysis

DeFi 与 CeFi 借贷：比较分析

While both DeFi and CeFi lending enable the exchange of digital assets, their underlying infrastructure dictates their respective advantages and disadvantages.

虽然 DeFi 和 CeFi 借贷都可以实现数字资产的交换，但它们的底层基础设施决定了它们各自的优缺点。

DeFi Lending

DeFi 借贷

• Non-custodial: Only the user controls their funds.
• Anonymity: No KYC or AML verification required.
• Limited Accountability: Lack of centralized authority can hinder dispute resolution.

CeFi Lending

非托管：只有用户控制其资金。匿名：无需 KYC 或 AML 验证。有限责任：缺乏集中权力会阻碍争议解决。CeFi 借贷

• Custodial: Third-party intermediaries hold user funds.
• Regulation: Adheres to KYC and AML protocols.
• Wider Service Offering: Supports fiat currency transactions and tailored financial services.

The Ongoing Safety of Crypto Lending

托管：第三方中介机构持有用户资金。监管：遵守 KYC 和 AML 协议。更广泛的服务提供：支持法定货币交易和定制金融服务。加密借贷的持续安全性

The collapse of Celsius, a once-prominent CeFi crypto lending platform, has raised concerns about the safety of crypto lending. However, it is crucial to recognize that not all platforms are created equal. Reputable CeFi platforms, such as Binance and Nexo, prioritize fund security and user protection. DeFi lending remains a viable alternative, as users maintain complete control over their assets.

曾经著名的 CeFi 加密借贷平台摄氏度的倒闭引发了人们对加密借贷安全性的担忧。然而，重要的是要认识到并非所有平台都是平等的。 Binance 和 Nexo 等信誉良好的 CeFi 平台优先考虑资金安全和用户保护。 DeFi 借贷仍然是一种可行的选择，因为用户对其资产保持完全控制。

Investor Takeaway

投资者要点

Crypto lending platforms offer a compelling avenue to maximize the potential of your crypto holdings. By carefully selecting a platform based on the factors outlined in this guide, you can tap into a lucrative source of passive income. Remember to conduct thorough research and consider your risk tolerance. Embrace the power of crypto lending and embark on a journey of financial growth and abundance.

加密货币借贷平台提供了一个引人注目的途径，可以最大限度地发挥您所持有的加密货币的潜力。通过根据本指南中概述的因素仔细选择平台，您可以利用利润丰厚的被动收入来源。请记住进行彻底的研究并考虑您的风险承受能力。拥抱加密货币借贷的力量，踏上金融增长和富裕的旅程。