Xapo Bank推出了比特币支持的贷款，彻底改变了加密信贷市场

Xapo Bank推出了一项由比特币支持的贷款服务，使合格的成员可以在不清算其比特币持有的情况下获得美元贷款。

Xapo Bank, a name synonymous with secure bitcoin storage, has revolutionized bitcoin finance with a game-changing loan service. Now, qualifying members can borrow up to $1M in USD without selling their BTC.

Xapo Bank是安全比特币存储的同义词，它通过改变游戏规则的贷款服务彻底改变了比特币融资。现在，合格成员可以在不出售其BTC的情况下借入高达100万美元的美元。

A New Era of Crypto Credit

加密信贷的新时代

The institution has introduced a bitcoin-backed loan service, allowing members to secure USD loans without liquidating their bitcoin holdings. Available through the Xapo Bank app, the offering provides access to up to $1 million in a service designed for transparency and flexibility.

该机构推出了一项由比特币支持的贷款服务，使成员可以在不清算其比特币持有的情况下获得美元贷款。该产品可通过Xapo Bank应用程序获得，可访问最多100万美元的服务，旨在透明度和灵活性。

“This new product empowers qualifying members to leverage their bitcoin holdings as collateral to access credit without having to sell their bitcoin,” the bank noted.

该银行指出：“这种新产品使资格成员能够利用其比特币持有物作为抵押品的抵押权，而不必出售其比特币。”

As reported by Rocca, the service is a response to a need highlighted by the community:

正如Rocca报道的那样，该服务是对社区强调的需求的回应：

Many long-term bitcoin holders have steered away from crypto-asset-backed lending after seeing predatory lending practices and products they couldn’t count on. They prefer to keep their bitcoin and sell it only when they choose.

许多长期的比特币持有人在看到他们无法指望的掠夺性贷款实践和产品之后，已经远离了加密资助的贷款。他们更喜欢保留比特币并仅在选择时出售它。

In contrast, Xapo Bank stated that it maintains a conservative loan-to-value ratio of 20%-40%, provides automated repayment options, and has a Loan Health Tracker for real-time monitoring.

相比之下，Xapo Bank表示，它的保守贷款与价值比率为20％-40％，提供自动还款期权，并具有用于实时监控的贷款健康跟踪器。

“After applying for the loan, eligible members with sufficient bitcoin holdings can use the in-app calculator to determine their borrowing limit. During the application process, members can select their desired loan amount, with personalized limits of up to $1,000,000, while having complete visibility of the final repayment amount and applicable interest rate,” the bank explained.

银行解释说：“在申请贷款之后，拥有足够比特币持有量的合格成员可以使用应用内计算器来确定其借贷限额。在申请过程中，成员可以选择其所需的贷款金额，其个性化限额最高为1,000,000美元，而最终还款金额和适用利率的完全可见性。”

After approval, funds are deposited into members’ USD bank accounts while the bitcoin collateral remains securely stored. The service offers multiple repayment options, with the bank adding:

批准后，将资金存入会员的USD银行帐户，而比特币抵押品仍存储得很稳定。该服务提供了多种还款选项，银行添加了：

“Members can enjoy flexible repayment terms of 30, 90, 180 or 365 days, and the option to repay early, with no penalties or early repayment fees, to minimise costs.”

“成员可以享受30、90、180或365天的灵活还款条款，并且可以提早偿还，而没有罚款或早期还款费，以最大程度地减少成本。”

For borrowers requiring higher loan amounts, they can consult their account managers for personalized assessments.

对于需要更高贷款金额的借款人，他们可以咨询其帐户经理进行个性化评估。

Regulated by the Gibraltar Financial Services Commission, Xapo Bank continues to expand its services and offerings.

Xapo Bank受到直布罗陀金融服务委员会的监管，继续扩大其服务和产品。