Xapo Bank推出了由比特币支持的贷款，以主流采用为目标

Xapo Bank宣布了一项新的贷款服务，使客户可以将其比特币用作抵押品，这标志着加密货币朝向

Xapo Bank, a name that has come up frequently in discussions about Bitcoin, has announced a new service that might interest BTC holders.

Xapo Bank在讨论比特币的讨论中经常出现这个名字，它宣布了一项新服务，可能会让BTC持有人感兴趣。

As reported by Blockware, the private bank, known for its early adoption of cryptocurrency, has launched a loan service where qualified members can borrow up to $1 million against their Bitcoin holdings.

正如Blockware所报告的那样，该私人银行以其早期采用加密货币而闻名，已推出了一项贷款服务，合格的成员可以借给其比特币持有量高达100万美元。

The service will not be available to clients in the UK, Australia, or New York, and it appears to cater to high-net-worth individuals or institutions.

这项服务将不适用于英国，澳大利亚或纽约的客户，并且似乎适合高净值个人或机构。

The news arrives as major Wall Street firms are also entering the Bitcoin financing space. Financial powerhouse Cantor Fitzgerald has reportedly created a Bitcoin finance division.

随着华尔街主要公司也进入比特币融资空间，该消息传到了。据报道，财务强国坎托·菲茨杰拉德（Cantor Fitzgerald）创建了一个比特币财务部门。

According to sources, the company has partnered with crypto companies Anchorage Digital and Copper.co to aid its expanding global Bitcoin operation.

消息人士称，该公司已与加密公司锚定数字和铜。Co合作，以帮助其扩大的全球比特币运营。

The bank, which received regulatory approval in the UK last year, will also provide interest-bearing BTC accounts in addition to standard banking services.

该银行去年在英国获得了监管部门的批准，除标准银行服务外，还将提供带有利息的BTC帐户。

The private bank's new service will allow customers to access up to $1 million in Bitcoin-backed debt.

私人银行的新服务将使客户能够获得最多100万美元的比特币支持债务。

The service, which is being launched in partnership with Morpho Labs, will allow US users, excluding those in New York, to borrow up to $100,000 in USDC stablecoins.

该服务与Morpho Labs合作推出，将允许我们的用户（不包括纽约的用户）在USDC Stablecoins中借入最高100,000美元。

Max Branzburg, Coinbase’s vice president, explained that the product is designed to enhance the utility of crypto in a decentralized setting.

Coinbase副总裁Max Branzburg解释说，该产品旨在在分散的环境中增强加密货币的实用性。

The service bypasses credit checks and generates no service fees, streamlining the borrowing process. However, borrowers will need to monitor their collateral value to avoid liquidation.

该服务绕过信用检查并生成没有服务费，从而简化了借贷过程。但是，借款人将需要监视其附带价值以避免清算。

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 utilize decentralized finance (DeFi) protocols, Xapo presents a more traditional, centralized approach. Customers must undergo 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.

尽管某些服务利用了分散的财务（DEFI）协议，但XAPO提出了一种更传统的集中式方法。客户必须获得银行的批准，其比特币被存储在“保险库中，直到还清贷款”，贷款条款延长了一年。

Seamus Rocca, CEO of Xapo, acknowledged that many long-term crypto holders grew wary of crypto-backed lending after witnessing “predatory lending and faulty products” in the market. “That’s why we’re doing things differently,” Rocca added.

XAPO首席执行官Seamus Rocca承认，许多长期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。罗卡补充说：“这就是为什么我们做不同的事情。”

These services mainly aid Bitcoin holders in acquiring cash without selling their assets and generating taxable transactions.

这些服务主要援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。