Xapo Bank是一家位于直布罗陀的金融机构，现在提供由比特币（BTC）支持的贷款服务。

Xapo银行带来了一系列安全功能，以保护用户的投资并确保透明且安全的贷款流程。

A Gibralter-based financial institution, Xapo Bank, has announced the launch of a loan service using Bitcoin (BTC) as collateral. Members of Xapo Bank can now apply for loans of up to $1 million, or around Rp16.3 billion, which can be accessed quickly and easily. However, this service is not available to members in the UK and Australia.

一家位于Gibralter的金融机构Xapo Bank宣布使用比特币（BTC）作为抵押品推出贷款服务。 Xapo Bank的成员现在可以申请最高100万美元或163亿卢比的贷款，可以快速轻松地访问。但是，英国和澳大利亚的成员无法获得这项服务。

This initiative allows BTC holders to keep their assets as long-term financial instruments while gaining the liquidity they need, without having to sell their crypto. In addition, Xapo Bank brings a range of security features to protect users’ investments and ensure a transparent and secure lending process.

该计划使BTC持有人能够将其资产作为长期金融工具，同时获得所需的流动性，而无需出售加密货币。此外，Xapo银行还带来了一系列安全功能，以保护用户的投资并确保透明且安全的贷款流程。

Development of Crypto-Based Lending in the Global Market

在全球市场中发展基于加密货币的贷款

With the growing acceptance of cryptocurrencies in the global financial sector, major Wall Street firms such as Cantor Fitzgerald are beginning to build their own Bitcoin financing businesses. This move is also supported by collaborations with companies like Anchorage Digital and Copper.co in expanding Bitcoin-based lending services around the world.

随着全球金融领域加密货币的越来越多，坎托·菲茨杰拉德（Cantor Fitzgerald）等主要的华尔街公司开始建立自己的比特币融资业务。这一举动还得到了与锚定数字和铜铜（Copper.co）等公司在扩大全球基于比特币的贷款服务方面的合作。

During the pandemic cryptocurrency boom, Xapo became one of the first banks to establish a physical headquarters in Europe. After gaining regulatory approval in the UK last year, Xapo began offering Bitcoin interest account services as well as a range of other banking services to customers.

在大流行的加密货币繁荣期间，Xapo成为最早在欧洲建立实体总部的银行之一。去年在英国获得监管机构批准后，Xapo开始向客户提供比特币利息帐户服务以及其他一系列银行服务。

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Bitcoin Lending Mechanics and Security at Xapo Bank

Xapo Bank的比特币贷款机制和安全性

As a centralized financial institution, Xapo Bank implements an approval system before customers can obtain loans. Bitcoin pledged as collateral will be kept in a secure storage system or “vault” until the loan is repaid. The repayment period can be up to one year, giving borrowers the flexibility to manage their finances.

作为集中的金融机构，Xapo银行在客户获得贷款之前就实施了批准系统。保证作为抵押品的比特币将保存在安全的存储系统或“保险库”中，直到偿还贷款为止。还款期最多可以为期一年，这使借款人具有管理财务状况的灵活性。

Seamus Rocca, CEO of Xapo Bank, explained that many long-term Bitcoin holders are reluctant to use their assets as collateral due to the non-transparent risks of crypto lending. Therefore, Xapo is working to introduce a more secure and reliable lending system that allows customers to access funds without losing ownership of their assets.

Xapo Bank首席执行官Seamus Rocca解释说，由于非透明的加密贷款风险，许多长期比特币持有人不愿将其资产作为抵押。因此，Xapo正在努力引入一个更安全，更可靠的贷款系统，该系统使客户可以访问资金而不会失去其资产所有权。

Similar Services in the Cryptocurrency Industry

加密货币行业的类似服务

Xapo is not the only institution offering Bitcoin-based loans. Previously, Coinbase had introduced a similar service through a partnership with Morpho Labs, allowing users in the United States to borrow up to $100,000 in USD Coin (USDC). However, this service was discontinued in 2023 before being reintroduced through Morpho’s decentralized lending protocol.

Xapo并不是唯一提供基于比特币的机构。以前，Coinbase通过与Morpho Labs的合作伙伴关系推出了类似的服务，使美国的用户可以在USD Coin（USDC）中借入多达100,000美元。但是，这项服务于2023年停产，然后通过Morpho的分散贷款协议重新引入。

Other companies such as Ledn are also experiencing increased demand for similar products, as the crypto-backed loans market expands. Based on HFT Market Intelligence’s analysis, the market value of cryptocurrency-based loans is expected to increase from $8.5 billion in 2024 to $45 billion in 2030.

随着加密货币支持的贷款市场的扩大，莱德（Ledn）等其他公司也正在增加对类似产品的需求。根据HFT市场情报的分析，基于加密货币的贷款的市场价值预计将从2024年的85亿美元增加到2030年的450亿美元。

Conclusion

结论

Cryptocurrency-based lending is increasingly becoming a solution for investors looking to obtain liquidity without having to sell their assets. With the development of financial technology and the widespread adoption of crypto, traditional financial institutions and DeFi platforms are starting to take notice of the opportunities in this sector. Xapo Bank comes as one of the pioneers to offer this service centrally, giving Bitcoin holders additional options to optimize their assets.

基于加密货币的贷款越来越多地成为希望获得流动性而不必出售其资产的投资者的解决方案。随着金融技术的发展和加密的广泛采用，传统的金融机构和Defi平台开始注意到该行业的机会。 Xapo Bank是中央提供此服务的先驱之一，为比特币持有者提供了其他选择来优化其资产。

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This content aims to enrich readers’ information. Pintu collects this information from various relevant sources and is not influenced by outside parties. Note that an asset’s past performance does not determine its projected future performance. Trading crypto carries high risk and volatility, always do your own research and use cold hard cash before investing. All activities of buying andselling Bitcoin and other crypto asset investments are the responsibility of the reader.

该内容旨在丰富读者的信息。 Pintu从各种相关来源收集这些信息，并且不受外部政党的影响。请注意，资产的过去绩效并不能确定其预计的未来绩效。 Trading Crypto具有高风险和波动性，在投资之前始终进行自己的研究并使用冷的硬现金。购买和销售比特币以及其他加密资产投资的所有活动都是读者的责任。