加密貸款市場透明化，規模達250億美元

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$25B 加密貸款市場現在由「透明」參與者主導：Galaxy

加密貸款市場的透明度達到前所未有的水平，主要由 Tether、Nexo 和 Galaxy 等公司主導，並在第三季度達到了近 250 億美元的貸款總額。根據 Galaxy Research 的報告，自 2024 年初以來，加密貸款市場的規模增長超過 200%。目前的數字是自 2022 年第一季度以來的最高水平，但仍未回到當時的 370 億美元高峰。

Galaxy 的研究負責人 Alex Thorn 表示，現在的市場與過去的最大不同在於新興的集中式金融（CeFi）貸款平台的數量增加，以及更高的透明度。他在週日表示，對於這一數據圖表和其貢獻者的透明度感到自豪，並指出這是與過去市場周期的重大變化。

Tether 和新參與者主導 CeFi 貸款市場

在之前的市場周期高峰期，CeFi 貸款市場主要由少數幾個平台主導，包括 Genesis、BlockFi、Celsius 和 Voyager，這些平台都受到與 FTX 交易所的關聯影響而遭受重大損失。FTX 在 2022 年 11 月崩潰，Celsius 在此之前已於 2022 年 7 月申請破產，主要是因為其與 Three Arrows Capital 的關聯。

然而，Thorn 認為，隨著許多與 FTX 有關的平台退出市場，新的透明參與者和更健康的實踐填補了這一空白。截至 9 月 30 日，穩定幣發行商 Tether 擁有 146 億美元的未償還貸款，佔市場份額的 60%。Nexo 和 Galaxy 分別以 20 億美元和 18 億美元的貸款位居第二和第三。

Tether 定期發布季度驗證報告，而 Galaxy 和 Coinbase 的數據則以公開財務報告的形式呈現。Nexo 也主動向 Galaxy Research 提供數據。經歷了 2022 年的崩潰後，CeFi 貸款機構變得更加保守，無擔保貸款幾乎消失，倖存的公司採取了更嚴格的風險控制措施和全面的抵押標準，以追求公開上市和機構資本。

DeFi 貸款達到歷史新高

與此同時，去中心化金融（DeFi）應用的美元計價未償還貸款在第三季度達到新的季度末歷史高點，增長了 54.8%，達到 410 億美元。Galaxy 上個月報告指出，將 DeFi 應用與 CeFi 貸款平台相結合，季度末的加密抵押借款總額達到 654 億美元，創下新高。

這一報告顯示了加密貸款市場的轉型，從過去的混亂和不透明，逐漸朝向更負責任和透明的方向發展。這不僅是對投資者信心的重建，也是整個行業健康發展的必要步驟。

在這樣的背景下，未來的加密貸款市場將如何進一步演變，值得我們持續關注。隨著透明度的提高和市場參與者的多樣化，這將有助於減少過去的風險和不確定性，並為投資者提供更安全的環境。

以上文章由特價GPT API KEY所翻譯及撰寫。而圖片則由FLUX根據內容自動生成。

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{ "intro": "Create an ultra realistic 8K UHD DSLR photo based on the attached image as a reference of facial features, maintaining 100% likeness.", "subject": { "identity": "A beautiful real human woman portrayed as Cleopatra, seated majestically on her royal Egyptian throne, maintaining 100% likeness to the reference.", "pose": "Confident, elegant, and seductive seated posture with her back straight and shoulders relaxed. One hand rests authoritatively on the throne’s armrest while firmly holding a ceremonial cobra staff, and the other hand rests sensually on her thigh. Her legs are positioned to subtly reveal the high slit of her gown, radiating queenly dominance, power, and allure.", "hair": "Long, thick, voluminous hair flowing past her shoulders, colored deep dark brown with a rich natural sheen. The hair is worn loose and sleek with soft natural movement, cascading elegantly down her back and framing her face in a regal manner.", "makeup": "Bold royal Egyptian glam with highly colorful eye makeup. Her eyes feature layered pigments of turquoise, sapphire blue, emerald green, and molten gold, enhanced with dramatic black ink-style Egyptian eyeliner extending boldly beyond the outer corners in graphic, calligraphic strokes. Metallic accents and micro-shimmer highlight the inner corners. Skin remains warm, glowing, and luminous with sculpted bronze contours, peachy blush, and radiant highlights. Brows are full, strong, and queenly. Lips are soft nude-peach with a glossy, luminous finish to balance the intense eye look.", "attire": "An ultra-luxurious, sexy Cleopatra couture gown in pure luminous white. The gown is body-hugging through the bodice and hips, featuring a plunging deep neckline adorned with gold filigree, crystal embellishments, and sacred Egyptian symbols. A dramatic thigh-high slit reveals her leg elegantly. Additional elements include gold-thread embroidery, sculpted drapery, and gemstone accents along the waist and slit. A long, ultra-sheer, lightweight cape made of fine translucent silk chiffon flows from her shoulders, delicately dusted with gold shimmer and subtle hieroglyphic motifs, adding movement and divine softness to her powerful presence.", "crown": "An extraordinarily grand and opulent Cleopatra headpiece—the ultimate royal Egyptian crown. Crafted from radiant gold, it features a dominant central cobra (uraeus) with emerald and lapis lazuli gemstone eyes, flanked by winged sun disks, lotus engravings, and layered ceremonial plates. The crown rises elegantly with intricate detailing, inlaid gemstones, and divine symmetry, making it unmistakably royal, powerful, and legendary.", "accessories": "Lavish layers of royal accessories including an oversized beaded broad collar necklace in gold, turquoise, lapis lazuli, and carnelian; stacked gold arm cuffs engraved with hieroglyphs; gemstone-studded bangles; multiple ornate rings; a delicate gold waist chain draped over her hips; and detailed anklets with symbolic charms that enhance her divine queen status.", "footwear": "Traditional Egyptian royal flat sandals crafted from gold-plated leather with delicate beaded straps, turquoise and lapis inlays, open-toe design, and sacred cobra and lotus motifs." }, "throne": { "design": "A massive, ultra-bonggang ancient Egyptian royal throne made of carved gold, obsidian, and polished stone.", "details": "The throne is richly decorated with winged sun disks, twin cobras, lion-head armrests, lotus and papyrus carvings, and engraved hieroglyphs symbolizing power, eternity, and divine rule. The backrest rises high above her head like a ceremonial monument, inlaid with turquoise, lapis lazuli, and gold leaf patterns. Cushioned with deep ivory and gold-embroidered textiles, the throne radiates absolute authority and unmatched royal luxury." }, "props": { "primary": "A ceremonial golden staff topped with a sculpted cobra head, its eyes set with glowing emerald gemstones, symbolizing wisdom, protection, and supreme power.", "secondary": "Golden jars, papyrus scrolls, gemstone offerings, decorative incense holders emitting thin smoke trails, sacred ceremonial artifacts, and royal insignias placed symmetrically around the throne platform." }, "background": { "setting": "A grand Egyptian throne room at night, glowing with warm torchlight and golden illumination.", "details": "Towering sandstone walls fully carved with hieroglyphics and royal chronicles, monumental lotus and papyrus columns trimmed in gold, statues of Egyptian gods and goddesses standing guard, large braziers casting flickering firelight, patterned gold-and-turquoise stone flooring, and sheer linen curtains gently flowing in the warm desert breeze. Macro-to-micro details are visible throughout, with no blur effect—everything is crisp, sharp, and hyper-detailed." }, "camera": { "shot": "Half-body to three-quarter editorial portrait showcasing her throne, flowing white gown with cape, colorful inked eye makeup, crown, and cobra staff.", "angle": "Eye-level royal perspective emphasizing her dominance, beauty, and divine authority.", "lens": "85mm portrait lens with ultra-sharp clarity and deep texture definition.", "lighting": "Cinematic warm golden torchlight combined with subtle shadow sculpting, enhancing gold textures, gemstones, fabric folds, and facial features; no blur effects.", "quality": "Ultra-sharp, high-contrast, glossy editorial realism with 8K-level detail." } } Gallery
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Use the original face exactly as it is, without changing a details. A striking, high-fashion editorial portrait of a white -skinned model, captured outdoors with a bright, sunny, slightly hazy ambiance reminiscent of the late 1980s or early 1990s. Model and Styling • Model: A female model with elegant features and dark, curly hair, posed looking over her shoulder towards the camera. Her expression is confident and alluring. • Outfit: She is wearing a two-piece outfit (or a playsuit/romper) entirely covered in black and white polka dots. • Top: A loose, long-sleeved shirt, worn off one shoulder, showcasing the neckline. The polka dots on the shirt appear slightly smaller and more uniform. • Bottom: Matching shorts or a skirt with a tight, fitted silhouette, emphasizing her figure. The polka dots here appear slightly denser. • Hat: A defining accessory—a dramatically oversized sun hat with a wide, floppy brim. 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Keywords/Style • Style: High Fashion, Editorial, Retro, 90s Fashion, Resort Wear, Glamorous, Iconic. • Vibe: Sophisticated, Sunny, Vacation Chic, Bold Pattern. { "intro": "Create an ultra realistic 8K UHD DSLR photo based on the attached image as a reference of facial features, maintaining 100% likeness.", "subject": { "identity": "A stylish beautiful woman portrayed as Cleopatra during her sacred milk bath beauty ritual, embodying divine femininity, sensual elegance, and timeless power.", "angle": "Close-up beauty editorial captured at a refined 3/4 angle, focusing on her face, shoulders, and upper chest with extreme clarity and no blur.", "pose": { "body_position": "She is partially submerged in a luxurious milk bath, her shoulders and collarbones emerging gracefully from the surface.", "hands": "One hand gently rests at the edge of the bath with milk droplets on her fingers, while the other lightly touches her neck adorned with subtle gold jewelry.", "expression": "Soft yet commanding gaze directed toward the camera—calm, confident, intimate, and hypnotic." } }, "appearance": { "outfit": "A barely-there, ritual-style ivory silk drape partially submerged in the milk bath, clinging softly to her skin. The fabric is delicate and translucent, edged with fine gold-thread embroidery for a sensual, sacred aesthetic.", "accessories": "Minimal ritual jewelry—thin gold collar necklace resting above the milk surface, delicate arm cuff, subtle finger ring—kept refined to maintain focus on beauty and skin.", "hair": "Her hair is sleek and ritual-polished, partially damp and slicked back at the crown, with soft wet strands framing her face naturally, reflecting candlelight.", "makeup": "High-fashion Cleopatra beauty makeup with ceremonial artistry—perfectly sculpted brows, elongated black kohl eyeliner, vibrant eyeshadow layered in turquoise, teal, emerald, sapphire blue, and metallic gold. Beneath the eyes, subtle artistic ink-inspired accents echo ancient Egyptian symbolism. 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Camera at eye level, straight-on angle with a very slight head tilt to the subject’s left. Posture & pose: upright posture, shoulders relaxed. Left shoulder slightly forward, creating a gentle diagonal line across the collarbones. Arms relaxed out of frame, fur wrap resting naturally over the shoulders. Expression: calm, elegant, and composed. Soft neutral gaze directly into the camera, slightly parted lips with a subtle natural gloss. No smile, refined and confident mood. Face & skin: smooth fair skin with realistic texture and pores, soft luminous finish (not plastic or airbrushed). Rosy blush concentrated on the apples of the cheeks. Natural highlight on nose bridge, cheekbones, and collarbones. Eyes & makeup: large almond-shaped eyes, cool gray-brown irises. Long curled lashes, soft eyeliner, muted rose eyeshadow blended outward. Straight natural brows with gentle arch. Hair: short black bob cut just above the shoulders, slightly wavy ends. Center part with soft wispy strands framing the face. Large black satin bow tied at the back of the head, visible above the crown. Accessories: silver floral drop earrings with dangling details. Matching silver statement necklace with a central floral pendant resting at the upper chest. Clothing & styling: beige satin slip dress with thin spaghetti straps, smooth fabric with subtle sheen. Black faux-fur stole draped loosely around both shoulders, adding contrast and texture. Background: clean seamless light gray to off-white studio backdrop, evenly lit with no visible texture or distractions. Lighting: soft diffused beauty lighting from the front and slightly above eye level. Gentle fill light to reduce shadows, subtle rim light outlining hair and shoulders. Balanced highlights without overexposure. Color palette: neutral beige, black, silver, soft pink skin tones, minimal and elegant. 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