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[虚拟币交流]
RWA爆发！链上信贷市场总额上冲5.82亿美元年增率达128%（18日转）
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5 H+ b+ R" e- d/ }5 Z- @! p
今年，通过代币化将更多实体资产上链的RWA叙事是一大趋势，包括房地产、美国国
* U. b3 |; V( {$ ?债和黄金等，这些资产可作为抵押物使用，Centrifuge、Maple Finance(Maple)和Goldfinch等协议致力于这方
$ P: ]6 G9 p" H/ O9 |+ \面的发展。2 z( v, N& i7 R2 Q6 w, Z; u- _- J
与此同时，因为CeFi暴雷而陷入坏账危机的链上信用借贷市场，也借助RWA叙事出现转机。根据RWA.xyz最新数, F3 n, y* W" }& |3 S
据，链上信贷总额已达到5.82亿美元，较去年同期增长了128%。
; O( [0 J0 d. h9 I# H链上信贷利率低于传统金融贷款
! g2 Y- e! a9 r. f+ W这种复苏可能表明，在近期利率上升的情况下，贷款者越来越倾向于寻找以区块链为基础的替代传统金融借贷方* L. _4 v) x! B& k
案。链上信贷的平均年利率目前为9.65%，相对于传统金融贷款的5.75%至11.91%，更具吸引力。
! P# b2 ^" {; H: ^* f! J" c+ |以以太坊为基础的Centrifuge在当前活跃信贷市场中占据主导地位，占比超过43%，其活跃信贷总额已从2023年
: \" Z6 k4 X6 w6 W初的8,400万美元增长到约2.55亿美元，增长率达203%。此外，Goldfinch和Maple分别以1.43亿美元和1.03亿! O& w6 J* ~5 c& c% i, Y* b
美元的活跃信贷位居第二和第三。" Z+ d) W }. b/ e7 n! c- j; v: _
链上信贷的最大需求者是消费者
6 R" v* [8 p! a5 ^另外，RWA.xyz平台的信息进一步指出，链上信贷最大的需求者是消费者(1.977亿美元)和汽车行业(1.868亿美
# {2 V% V: h0 ^' L1 j元)，其次是金融科技、房地产、碳信用和加密货币交易行业。
0 Z- Z% [5 f( ~5 A( M5 H0 X5 j然而，尽管这一年有上升趋势，但链上私人信贷市场的5.82亿美元总额仅占传统私人信贷市场1.6兆美元规模的% o0 d' V0 P; e2 x2 s# ^
0.36%。不过，也不可忽视当前的增长势头，这可能表明链上信贷市场具有进一步扩张的潜力。; x* }2 G. G+ \, t- l. C7 P
链上信贷市场从CeFi危机到RWA转机
; I8 ?3 g4 i: R过去，低抵押或无抵押的链上信贷模式吸引了许多机构客户参与，例如Alameda Research、Wintermute、
( W; ~9 u$ @( D$ _# F! p- RBlockTower等，使得2022年6月链上信贷峰值达到15亿美元。: w: f: c* s4 t4 W
然而，随着加密市场的深度熊市、DeFi的流动性不足，以及CeFi的危机，代表性的机构借贷协议如Maple和
0 g+ l4 ~5 V* I1 N# M% P, ?$ `# \" aTrueFi遭遇大量违约。特别是在Terra和三箭资本的事件后，Maple面临1000万美元的流动性挑战。此外，FTX的
% I4 C/ G9 v) Q! n7 G崩溃使Maple遭受3600万美元的坏账。# N$ v% I: j4 A( @$ k
到了今年，随着RWA叙事的兴起，链上借贷领域出现转机。Centrifuge迅速增长，超过Maple成为信贷领域的新1 E2 v% W# ] [% Y
龙头，而Goldfinch则稳定发展。
' I7 y" O r! GMaple拓展了实体资产抵押和超额抵押模式，并于4月推出链上美债借贷池，重启Solana上的借贷池。到年底，5 `- v; l1 ?* k h
Maple的活跃贷款增至近1.03亿美元。与此同时，在MakerDAO的助推下，Centrifuge的活跃贷款增至超过2.550 G F N' w! o- |3 D( F1 {5 q
亿美元，成为链上信用贷款最大的协议。
N! G$ Z8 y+ o Z: s M然而，也不可忽视从基于区块链的协议中获得贷款的风险，借款人在借款前应该仔细考虑破产、抵押、智能合约8 s" M, v! M8 [* X! j! g
以及其他安全风险。( o8 S. T, |) U3 X5 y9 Q
- A0 H9 O) W% r1 ^3 I |
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