Near Protocol 推出跨链借贷和 DeFi 应用的创新方法

Ilia Polosukhin, co-founder of Near Protocol, has outlined an innovative approach for building cross-chain applications, particularly focusing on lending protocols. Speaking to CNBC’s MacKenzie Sigalos, he explained how Near’s smart contracts can manage Bitcoin addresses, allowing users to deposit their Bitcoins.

Near Protocol 联合创始人 Ilia Polosukhin 概述了一种构建跨链应用程序的创新方法，特别关注借贷协议。他在接受 CNBC 的 MacKenzie Sigalos 采访时解释了 Near 的智能合约如何管理比特币地址，从而允许用户存入比特币。

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These addresses, controlled by the smart contracts, enable Near to manage when to release funds. This functionality facilitates borrowing in other cryptocurrencies, such as stablecoins or Solana, based on the assets deposited by users.

这些地址由智能合约控制，使 Near 能够管理何时释放资金。此功能有助于根据用户存入的资产借入其他加密货币，例如稳定币或 Solana。

Polosukhin described a scenario where, if a user’s collateral value falls below a certain threshold, the smart contract can liquidate the Bitcoin to repay the loan.

Polosukhin 描述了一种场景，如果用户的抵押品价值低于某个阈值，智能合约可以清算比特币以偿还贷款。

NEAR Opens Up Spaces for People To Build

Additionally, no matter what programming language you use, RUST, C++, JavaScript or else, Polosukhin said smart contracts can transact on Bitcoin as if it were a Near asset.

NEAR 为人们的构建开辟了空间此外，无论您使用哪种编程语言，RUST、C++、JavaScript 还是其他语言，Polosukhin 表示，智能合约都可以在比特币上进行交易，就像它是 Near 资产一样。

Moreover, he highlighted the broader implications of this technology, suggesting it enables the development of complex applications that operate across multiple blockchain networks, from Celestia to Bittensor, and from XRP to Cardano, among others.

此外，他强调了这项技术更广泛的影响，表明它能够开发跨多个区块链网络运行的复杂应用程序，从 Celestia 到 Bittensor，从 XRP 到 Cardano 等。

Polosukhin stated that by connecting different blockchains together, Near Protocol makes it easier to build and use a wide range of decentralised finance (DeFi) applications.

Polosukhin 表示，通过将不同的区块链连接在一起，Near Protocol 可以更轻松地构建和使用各种去中心化金融（DeFi）应用程序。

Access From one Entry Point and Defragmentation

The essence here is that money that would be sitting idle, say in BTC can now be “more productive” so to speak. Instead of your Bitcoin collecting virtual dust it can get to work across a range of DeFi applications – you could potentially buy other tokens, borrow funds out, buy NFTs and so on.

从一个入口点访问和碎片整理这里的本质是，闲置的资金（比如比特币）现在可以说“更具生产力”。你的比特币不会收集虚拟灰尘，它可以在一系列 DeFi 应用程序中运行——你可以购买其他代币、借入资金、购买 NFT 等等。

Polosukhin said it essentially consolidates everything and gives you exposure to new opportunities without having to create a new wallet for every ecosystem.

Polosukhin 表示，它本质上整合了一切，让你能够接触到新的机会，而无需为每个生态系统创建一个新的钱包。

Polosukhin added the goal is to “defragment the space and allow […] access [to] it from one entry point. “

Polosukhin 补充说，目标是“对空间进行碎片整理并允许从一个入口点访问它。 “

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This will hopefully enable users to avoid having to remember in which wallet they have stored each coin or token.

这有望使用户不必记住他们将每个硬币或代币存储在哪个钱包中。