Untangled Finance 将现实世界资产整合到区块链上，实现民主化的私人信贷

专注于现实世界资产 (RWA) 的 Untangled Finance 在 Celo 区块链上推出了首个证券化信用池，标志着传统金融与区块链技术的融合向前迈出了重要一步。该资金池符合卢森堡证券化法规，并由属于金融科技 Karmen 的多种法国营运资本资产作为担保，债务限额设定为 600 万美元。

Untangled Finance Pioneers Integration of Real-World Assets with Blockchain Technology

Untangled Finance 开创了现实世界资产与区块链技术的整合

London, May 2, 2024 - Untangled Finance, a leading protocol specializing in real-world assets (RWAs), has made a significant breakthrough in the convergence of traditional finance and blockchain technology. The company has launched its first securitized credit pool on the Celo blockchain, opening new avenues for democratizing access to private credit for decentralized finance (DeFi) investors.

伦敦，2024 年 5 月 2 日 - Untangled Finance 是专门研究现实世界资产（RWA）的领先协议，在传统金融与区块链技术的融合方面取得了重大突破。该公司在 Celo 区块链上推出了第一个证券化信贷池，为去中心化金融 (DeFi) 投资者民主化获得私人信贷开辟了新途径。

This trailblazing initiative, in line with Luxembourg securitization regulations, is secured by a portfolio of French working capital assets owned by fintech Karmen. The debt limit for this initial pool is set at US$6 million, providing a robust foundation for the venture.

这一开创性举措符合卢森堡证券化法规，由金融科技卡门 (Karmen) 拥有的法国营运资本资产组合提供担保。该初始池的债务限额设定为 600 万美元，为该合资企业提供了坚实的基础。

Credit Collective, a reputable financial institution backed by Fasanara Capital as senior lender, has extended a comprehensive agreement that includes a €100 million line of credit for Karmen. This collaboration complements the launch of the securitized credit pool, assuring comprehensive credit analysis for eligible investors through a rigorous know-your-customer (KYC) verification process. The robust KYC checks ensure the safeguard of assets against potential insolvency of the originator, providing peace of mind for investors.

由 Fasanara Capital 作为高级贷款人支持的信誉良好的金融机构 Credit Collective 已延长一项全面协议，其中包括为 Karmen 提供 1 亿欧元的信贷额度。此次合作是对证券化信用池推出的补充，确保通过严格的了解你的客户（KYC）验证流程为合格投资者提供全面的信用分析。严格的 KYC 检查可确保资产免受发起人可能破产的影响，让投资者高枕无忧。

"Private credit has traditionally been a domain reserved for large financial institutions due to complexities in asset verification and liquidity issues," said Manrui Tang and Quan Le, co-founders of Untangled Finance. "Our mission is to shatter these barriers, democratizing access to these investment opportunities for DeFi investors globally, while simultaneously expanding access to capital and fostering the growth of the economy's driving forces – small and medium-sized enterprises (SMEs)."

“由于资产验证和流动性问题的复杂性，民间信贷历来是大型金融机构的专属领域，”Untangled Finance 联合创始人唐曼瑞和全乐表示。 “我们的使命是打破这些障碍，为全球 DeFi 投资者提供民主化的投资机会，同时扩大资本获取渠道并促进经济驱动力——中小企业（SME）的增长。”

Untangled Finance, with its inception in 2020, has consistently tokenized real-world collateral, including invoices and SME loans, fostering partnerships with over 140 fintech lenders. The launch of the Karmen token pool marks a strategic milestone for Untangled, paving the way for the introduction of the on-chain Fasanara Diversified Fund and a senior note backed by Eastern European invoice financial assets.

Untangled Finance 于 2020 年成立，一直将现实世界的抵押品（包括发票和中小企业贷款）代币化，与 140 多家金融科技贷方建立了合作伙伴关系。 Karmen代币池的推出标志着Untangled的一个战略里程碑，为推出链上Fasanara多元化基金和东欧发票金融资产支持的高级票据铺平了道路。

Isha Varshney, Head of Ecosystem at Celo Foundation, lauded Untangled's pioneering efforts: "By integrating on-chain fintech lending with innovative credit assessment models, Untangled harnesses the transformative potential of real-world tokenized assets to democratize access to finance and risk management for individuals and businesses worldwide."

Celo 基金会生态系统负责人 Isha Varshney 赞扬了 Untangled 的开创性努力：“通过将链上金融科技借贷与创新的信用评估模型相结合，Untangled 利用现实世界代币化资产的变革潜力，实现个人融资和风险管理的民主化以及世界各地的企业。”

The significance of RWAs in decentralized ecosystems like Ethereum and Solana cannot be understated, as they embody a substantial portion of the value locked (TVL) in these networks. While Celo's TVL currently stands at approximately US$100 million, Manrui Tang emphasized the strategic significance of choosing this blockchain for Untangled's initiatives. The shared vision for the future potential of RWAs aligns with Celo's mission to foster a more inclusive and equitable financial landscape.

RWA 在以太坊和 Solana 等去中心化生态系统中的重要性不可低估，因为它们体现了这些网络中锁定价值 (TVL) 的很大一部分。虽然 Celo 的 TVL 目前约为 1 亿美元，但 Manrui Tang 强调了选择该区块链对于 Untangled 计划的战略意义。对 RWA 未来潜力的共同愿景与 Celo 打造更具包容性和公平的金融格局的使命相一致。

Undoubtedly, Untangled Finance's pioneering venture marks a turning point in the seamless integration of real-world assets into the realm of blockchain technology. This fusion of traditional finance and blockchain holds immense promise for expanding access to private credit, unlocking new opportunities for investors, and fostering economic growth through the empowerment of SMEs.

毫无疑问，Untangled Finance的开创性投资标志着现实世界资产无缝整合到区块链技术领域的转折点。传统金融和区块链的融合为扩大私人信贷的获取、为投资者释放新的机会以及通过中小企业赋权促进经济增长带来了巨大的希望。