加密借贷平台终极指南：它们如何运作以及为什么它们变得如此受欢迎

如果您对加密货币借贷平台的运作方式以及它们为何变得如此受欢迎感到好奇，本文将提供正确的答案

The global decentralized finance (DeFi) market, valued at $13.61 billion in 2022, is projected to grow at a compound annual growth rate (CAGR) of 46.0% from 2023 to 2030. This growth indicates the widespread adoption of DeFi and a major transformation in the financial industry.

2022 年，全球去中心化金融 (DeFi) 市场价值 136.1 亿美元，预计 2023 年至 2030 年将以 46.0% 的复合年增长率 (CAGR) 增长。这种增长表明 DeFi 的广泛采用以及 DeFi 的重大转变。金融业。

Amid this, crypto lending platforms have shaped how people interact with the financial system. They play a major role in decentralized finance (DeFi), providing alternatives to traditional finance, passive income, investment opportunities, and reliable options for lending with or without collateral.

其中，加密借贷平台塑造了人们与金融系统互动的方式。它们在去中心化金融（DeFi）中发挥着重要作用，提供传统金融的替代方案、被动收入、投资机会以及有或无抵押贷款的可靠选择。

This article provides the right answer if you are curious about how crypto lending platforms function and why they're becoming so popular, or if you are interested in exploring the leading platforms, their unique features, and how to choose the right one for your needs. You will learn about the top platforms available, their key features, and how to choose the right one.

如果您对加密货币借贷平台的运作方式及其为何如此受欢迎感到好奇，或者如果您有兴趣探索领先的平台、其独特的功能以及如何选择适合您需求的平台，那么本文将提供正确的答案。您将了解可用的顶级平台、它们的主要功能以及如何选择合适的平台。

Keep reading!

继续阅读！

Key takeaways

要点

What are crypto lending platforms?

什么是加密借贷平台？

Crypto lending is a decentralized finance service allowing investors to lend their crypto holdings to borrowers. Lenders earn regular crypto interest, like traditional savings account interest. These payments, typically compounded daily, weekly, or monthly, are made in the same cryptocurrency they deposited.

加密货币借贷是一种去中心化金融服务，允许投资者将其持有的加密货币借给借款人。贷方定期赚取加密货币利息，就像传统储蓄账户利息一样。这些付款通常每天、每周或每月复利，并以他们存入的相同加密货币进行。

Crypto lending platforms connect lenders and borrowers. Lenders deposit crypto into interest-bearing accounts, which the platforms then use to fund loans to borrowers. These platforms offer opportunities for investors to borrow against deposited crypto assets and the ability to lend out crypto to earn interest as crypto rewards.

加密借贷平台连接贷方和借款人。贷方将加密货币存入计息账户，然后平台用该账户为借款人提供贷款。这些平台为投资者提供了以存入的加密资产为抵押进行借贷的机会，以及借出加密货币以赚取利息作为加密货币奖励的能力。

The platforms determine lending and borrowing interest rates, managing their profit margins. These rates differ across platforms and cryptocurrencies. Service fees may apply, and higher lending rates are often offered for fixed-term deposits.

这些平台决定借贷利率，管理其利润率。这些费率因平台和加密货币而异。可能会收取服务费，并且定期存款通常会提供更高的贷款利率。

Crypto lending platforms can be centralized or decentralized. Depending on the platform and various factors, lenders may earn high interest rates, with annual percentage yields (APYs) reaching 15% or more.

加密货币借贷平台可以是集中式的，也可以是分散式的。根据平台和各种因素的不同，贷方可能会赚取高利率，年收益率 (APY) 达到 15% 或更高。

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尝试一下，您可以随时取消订阅。隐私政策。

Within the DeFi ecosystem, crypto lending platforms function without using smart contracts, ensuring transparency and global access. Users earn passive income or borrow without credit checks. However, in the CeFi ecosystem, centralized platforms manage the lending operations, offering user-friendly interfaces and regulatory compliance, bridging traditional finance and crypto.

在 DeFi 生态系统中，加密借贷平台无需使用智能合约即可运行，从而确保透明度和全球访问。用户无需信用检查即可赚取被动收入或借款。然而，在 CeFi 生态系统中，中心化平台管理借贷业务，提供用户友好的界面和监管合规性，连接传统金融和加密货币。

Best crypto lending platforms in 2025

2025 年最佳加密货币借贷平台

1. Aave

1. 幽灵

Aave is a decentralized finance (DeFi) platform for borrowing and lending cryptocurrency. It is built on the Ethereum blockchain and offers low interest rates and features like no-collateral flash loans. The platform is best for DeFi lending. 

Aave 是一个用于借贷加密货币的去中心化金融（DeFi）平台。它建立在以太坊区块链上，提供低利率和无抵押闪电贷等功能。该平台最适合 DeFi 借贷。

Platform Overview:

平台概述：

Lending and Borrowing Features:

借贷特点：

Security and Risk Management:

安全和风险管理：

Unique Features:

独特的特点：

Recent Developments:

最新进展：

2. Binance

2. 币安

Binance is one of the world’s largest centralized exchanges. It offers various services, including cryptocurrency loans with low annual interest rates. Binance loans allow users to borrow cryptocurrencies or stablecoins using their existing digital assets as collateral.

币安是全球最大的中心化交易所之一。它提供各种服务，包括低年利率的加密货币贷款。币安贷款允许用户使用现有的数字资产作为抵押品借入加密货币或稳定币。

Platform Overview:

平台概述：

Lending and Borrowing Features:

借贷特点：

Security and Risk Management:

安全和风险管理：

Unique Features:

独特的特点：

Recent Developments:

最新进展：

3. Compound

3. 复合

Compound is an Ethereum-based DeFi protocol that allows users to borrow assets and earn interest on deposits. 

复合是一种基于以太坊的 DeFi 协议，允许用户借入资产并赚取存款利息。

Platform Overview:

平台概述：

Lending and Borrowing Features:

借贷特点：

Security and Risk Management:

安全和风险管理：

Unique Features:

独特的特点：

Recent Developments:

最新进展：

4. Wirex

Wirex is a UK-based platform that supports more than 25 cryptocurrencies as collateral, including Bitcoin and Ethereum, and gives you stablecoin up to 70% of the value of your cryptocurrency, with a 6-month payment deadline.

Wirex 是一家总部位于英国的平台，支持超过 25 种加密货币作为抵押品，包括比特币和以太坊，并为您提供高达加密货币价值 70% 的稳定币，付款期限为 6 个月。

Platform Overview:

平台概述：

Lending and Borrowing Features:

借贷特点：

Security and Risk Management:

安全和风险管理：

Unique Features:

独特的特点：

Recent Developments:

最新进展：

5. YouHodler

5.尤霍德勒

YouHodler is a centralized platform offering exchange services and crypto-backed loans with high LTVs.

YouHodler 是一个中心化平台，提供高 LTV 的交易服务和加密货币支持的贷款。

Platform Overview:

平台概述：

Lending and Borrowing Features:

借贷特点：

Security and Risk Management:

安全和风险管理：

Unique Features:

独特的特点：

Recent Developments:

最新进展：

6. Crypto.com

6. 加密网

Crypto.com is a well-known exchange platform offering lending and borrowing services and other services, including trading crypto.

Crypto.com 是一家著名的交易平台，提供借贷服务以及其他服务，包括交易加密货币。

Platform Overview:

平台概述：

Lending and Borrowing Features:

借贷特点：

Trading Features:

交易特点：

Security and Compliance:

安全与合规性：

Unique Features:

独特的特点：

Recent Developments:

最新进展：

7. CoinRabbit

7.币兔

CoinRabbit is a crypto lending platform with over 130 available coins. The platform provides various types of cryptocurrency lending solutions, such as crypto-backed over collateralized loans and cryptocurrency deposits.

CoinRabbit 是一个加密借贷平台，拥有超过 130 种可用硬币。该平台提供各种类型的加密货币借贷解决方案，例如加密货币抵押贷款和加密货币存款。

Platform Overview:

平台概述：

Lending and Borrowing Features:

借贷特点：

Interest-Earning Accounts:

生息账户：

Security and Risk Management:

安全和风险管理：

Unique Features:

独特的特点：

Recent Developments:

最新进展：

8. Alchemix

8.炼金术士

Alchemix offers self-repaying loans by staking your collateral in protocols like Yearn. The returns generated automatically pay off your loan, eliminating the need for monthly payments.

Alchemix 通过将抵押品抵押在 Yearn 等协议中来提供自还贷款。产生的回报会自动偿还您的贷款，无需每月还款。

Platform

平台