Xapo银行宣布了新的比特币支持的贷款服务，以主流市场为目标

Xapo银行已在常规银行业中以早期采用者的身份闻名。在大流行驱动的BTC Frenzy期间，它成为最早通过在英国海外领土Gibraltar定居在欧洲开设物理​​总部的银行之一。

Xapo Bank, the financially focused offshoot of cryptocurrency firm Xapo, has introduced a new loan service that permits customers to use their Bitcoin as collateral for borrowing up to $1 million, reports cité par The Block.

据CitéPar据CitéPar报道，Xapo Bank是加密货币公司Xapo的财务关注分支，它推出了一项新的贷款服务，该服务允许客户将其比特币用作借入最高100万美元的抵押品。

This initiative marks another step in cryptocurrency’s broader journey toward mainstream financial services. However, the service excludes clients in the UK and Australia.

该计划标志着加密货币迈向主流金融服务的更广泛旅程的又一步。但是，该服务不包括英国和澳大利亚的客户。

The private bank, which opened a physical headquarters in Gibraltar last year, is also offering a Top-up service that allows users to quickly transfer up to €10,000 to their Xapo account from another bank in the SEPA zone.

该私人银行去年在直布罗陀开设了物理总部，还提供了一项充值服务，该服务使用户可以从SEPA区的另一家银行快速将高达10,000欧元转移到其XAPO帐户。

Major Wall Street Firms Join Bitcoin Financing Race

华尔街大型公司加入比特币融资竞赛

Xapo Bank is among the early adopters in the conventional banking sector, and it has become known for its proclivity to introduce cryptocurrency products and services.

Xapo Bank是常规银行业的早期采用者之一，它以其引入加密货币产品和服务的倾向而闻名。

During the pandemic-driven BTC frenzy, the bank became one of the first to open a physical headquarters in Europe by settling in Gibraltar, a British overseas territory.

在大流行驱动的BTC Frenzy期间，该银行通过在英国海外领土Gibraltar定居在欧洲开设实体总部的银行之一。

The move comes as renowned financial institutions are entering the market with Bitcoin products and services. Cantor Fitzgerald, a major Wall Street firm, has established a Bitcoin finance section.

此举是因为著名的金融机构正在使用比特币产品和服务进入市场。华尔街主要公司Cantor Fitzgerald已建立了比特币融资部分。

The firm has partnered with crypto companies Anchorage Digital and Copper.co to help its expanding global Bitcoin operation, according to sources.

据消息人士称，该公司已与加密货币公司锚定数字和Copper.co合作，以帮助其不断扩大的全球比特币运营。

Last year, the bank received regulatory license in the UK and started providing interest-bearing BTC accounts in addition to standard banking services.

去年，该银行在英国获得了监管许可证，除标准银行服务外，还开始提供带有利息的BTC帐户。

Xapo Bank Debuts Bitcoin Loans, Calls Out ‘Predatory’ Crypto Lenders

Xapo Bank首次亮相比特币贷款，召集了“掠夺性”加密贷款人

The private bank's new service allows customers to access up to $1 million in Bitcoin-backed debt. Read more: https://t.co/rBhwnAHu7g pic.twitter.com/qPtcWOrDgA

私人银行的新服务使客户可以获得多达100万美元的比特币支持债务。阅读更多：https：//t.co/rbhwnahu7g pic.twitter.com/qptcwordga

— Mars Signals (@MarsSignals) March 18, 2025

- 火星信号（@marssignals）2025年3月18日

Coinbase Revives Bitcoin-Backed Loans Through New Partnership

Coinbase通过新的合作伙伴关系恢复了比特币支持的贷款

Coinbase previously offered digital currency-backed loans but stopped the service in 2023. The company has now restarted lending through a partnership with Morpho Labs, using decentralized lending protocols.

Coinbase先前提供了数字货币支持的贷款，但在2023年停止了这项服务。该公司现在使用分散的贷款协议通过与Morpho Labs的合作伙伴关系重新启动了贷款。

Their current service allows US users (except those in New York) to borrow up to $100,000 in USDC stablecoins.

他们当前的服务使我们（在纽约除外）的用户最多可以在USDC Stablecoins中借入$ 100,000。

Max Branzburg, Coinbase’s vice president, stated that the product aims to improve the crypto’s usefulness in a decentralized setting. The service streamlines borrowing by eliminating credit checks and fees, though borrowers must keep an eye on their collateral value to avoid liquidation.

Coinbase副总裁Max Branzburg表示，该产品旨在在分散的环境中提高加密货币的实用性。服务通过取消信用检查和费用来简化借贷，尽管借款人必须关注其抵押价值以避免清算。

The new Coinbase service runs on Base, the company’s Ethereum layer-2 network. When customers take out loans, their crypto collateral is automatically converted to Coinbase Wrapped Bitcoin (cbBTC), a token backed one-to-one by BTC held in Coinbase custody.

新的Coinbase服务在公司的以太坊层网络基础上运行。当客户获得贷款时，他们的加密货币将自动转换为Coinbase包裹的比特币（CBBTC），这是由BTC在Coinbase Casustody中持有的BTC一对一的代币。

While some services use decentralized finance (DeFi) protocols, Xapo represents a more traditional, centralized approach. Customers must first get approval from the bank, and their Bitcoin is stored “in a vault until the loan is paid back,” with loan terms extending up to one year.

尽管某些服务使用分散的财务（DEFI）协议，但XAPO代表了一种更传统的集中式方法。客户必须首先获得银行的批准，其比特币被“存储在保险库中，直到贷款还清”，贷款条款延长了一年。

Seamus Rocca, CEO of Xapo, noted that many long-term crypto holders became wary of crypto-backed lending after witnessing “predatory lending and faulty products” in the market.

XAPO首席执行官Seamus Rocca指出，许多长期的加密持有人在目睹了市场上的“掠夺性贷款和有缺陷的产品”后对加密支持的贷款保持警惕。

“That’s why we’re doing things differently,” Rocca added.

罗卡补充说：“这就是为什么我们做不同的事情。”

These services mostly help Bitcoin holders to acquire cash without selling their assets and generating taxable transactions.

这些服务主要帮助比特币持有人获取现金，而无需出售其资产并产生应​​税交易。