Xapo Bank揭幕了100万美元的比特币支持信用额度，以遏制BTC抛售

在大胆的举动摇晃加密货币财务上，总部位于直布罗陀的Xapo Bank推出了一百万美元的比特币支持的信用额度。

In a move that could shake up crypto finance, Gibraltar-based Xapo Bank has launched a $1 million credit line backed by Bitcoin. The product is designed to provide liquidity to users without forcing them to sell their BTC, a strategic play in today’s volatile market.

在可能动摇加密货币财务的举动中，总部位于直布罗陀的Xapo Bank推出了由比特币支持的100万美元信用额度。该产品旨在为用户提供流动性，而无需强迫他们出售BTC，这是当今动荡的市场中的战略性作用。

Why Bitcoin Holders Get A New Liquidity Lifeline

为什么比特币持有人获得新的流动性生命线

Xapo Bank is aiming to reduce Bitcoin sell-offs during price swings. In times of uncertainty, users tend to liquidate crypto first, deepening market downturns.

Xapo Bank的目标是减少价格波动期间的比特币抛售。在不确定性时期，用户倾向于首先清算加密货币，从而加深市场衰退。

The bank’s offering will see dollar loans collateralised by BTC, encouraging long-term holding while meeting urgent cash needs. “Selling Bitcoin feels wrong if you believe in its future,” CEO Seamus Rocca said.

该银行的股份将使BTC抵押的美元贷款在满足紧急现金需求的同时鼓励长期持有。首席执行官Seamus Rocca说：“如果您相信它的未来，卖比特币就会感到错误。”

This comes after crypto lending giants like BlockFi and Celsius imploded in 2022 amid fraud allegations, deepening a prolonged bear market. However, Xapo is a fully licensed bank operating under traditional financial regulations. This structure, combined with conservative risk tactics, might be crucial for rebuilding trust in crypto-backed loans.

这是在加密借贷巨头像Blockfi和Celsius这样的巨头在2022年在欺诈指控中爆炸，加深了长时间的熊市。但是，Xapo是根据传统金融法规运营的完全许可的银行。这种结构以及保守的风险策略，可能对重建加密支持贷款的信任至关重要。

A Small Portion Of Crypto For A Large Loan

一小部分加密货币

The bank will cap loans at 20%-40% of a customer’s Bitcoin value. For example, a $100,000 BTC stash unlocks up to $40,000. Real-time loan health trackers will alert users to risks, while liquidation triggers only if Bitcoin plummets below $40,000.

该银行将以客户比特币价值的20％-40％的限额贷款。例如，$ 100,000的BTC储藏量最高可达40,000美元。实时贷款健康追踪器将提醒用户风险，而清算仅在比特币下降到40,000美元以下时才会触发。

Moreover, they offer flexible repayment terms of 30 to 365 days and no early fees add flexibility.

此外，它们提供了30至365天的灵活还款条款，并且没有早期费用增加了灵活性。

The service is tailored for HODLers making major purchases. Clients were previously applying for loans to buy homes, cars, or fund education without selling BTC. While expecting $50,000 grant requests on average, Xapo has now approved a $1 million credit line and handles even larger sums case-by-case.

该服务是针对大型购买的霍德尔量身定制的。客户此前曾在不出售BTC的情况下申请购买房屋，汽车或资金教育的贷款。 Xapo预计平均有50,000美元的赠款请求，但现在批准了100万美元的信用额度，并处理更大的款项。

“Life happens,” Rocca added. “Upgrading a kitchen or paying tuition shouldn’t mean sacrificing your crypto future.”

罗卡补充说：“生活发生了。” “升级厨房或支付学费并不意味着牺牲您的加密货币未来。”

Is This Crypto Lending’s Second Chance?

这是加密贷款的第二次机会吗？

Despite past failures, crypto-backed loans appear to be making a comeback. Earlier this year, Coinbase also reintroduced Bitcoin loans, signaling renewed confidence in the market.

尽管过去失败了，但加密支持的贷款似乎正在卷土重来。今年早些时候，Coinbase还重新引入了比特币贷款，这表明对市场的信心更新了。

With a 10% interest rate and Gibraltar’s regulatory oversight, Xapo’s offering might appeal to cautious optimists seeking a balance between innovation and tradition.

Xapo的发行率有10％的利率和直布罗陀的监管监督，可能会吸引谨慎的乐观主义者，以寻求创新与传统之间的平衡。

As it stands, Xapo’s gamble depends on whether it can balance new technologies with the conservative values of traditional finance. By learning from its predecessors’ mistakes and prioritising user trust, it might yet be able to change the landscape of crypto lending. And for Bitcoin loyalists, accessing cash without selling might just be the lifeline they’ve been waiting for.

就目前而言，Xapo的赌博取决于它是否可以平衡新技术与传统金融的保守价值。通过从其前身的错误中学习并确定用户信任的优先级，它可能还可以改变加密贷款的景观。对于比特币忠诚主义者来说，不出售现金可能只是他们一直在等待的生命线。