Xapo Bank推出比特幣支持的美元貸款，專注於長期持有者
Xapo Bank，一家總部位於直布羅陀的全球加密貨幣友好銀行，正通過推出比特幣支持的美元貸款來押注於加密貸款的復甦。根據Xapo Bank在3月18日發佈的公告，符合資格的客戶現在可以獲得高達100萬美元的比特幣貸款。
這款新貸款產品專為希望在保持比特幣的同時獲得現金的長期比特幣持有者而設，Xapo Bank的首席執行官Seamus Rocca表示：“與傳統資產不同，比特幣是一種理想的抵押品——它無國界、高流動性、全天候可用且易於分割，這使其特別適合用於貸款。”
無抵押品重用
Xapo的比特幣貸款產品的一個關鍵特點是，銀行不會對用戶的貸款抵押品進行再抵押，這意味著其貸款機制不涉及客戶比特幣資產的重用。相反，比特幣抵押品將存放在Xapo的比特幣保險庫中，使用機構多方計算（MPC）保管。
符合資格的Xapo客戶可以選擇30、90、180或365天的還款計劃，並且提前還款不會有罰款。
誰有資格？
Xapo的新比特幣貸款產品將根據幾個標準向預先批准的會員提供。符合資格的主要標準包括比特幣持有量和持有時間，因為Xapo特別針對有長期投資策略的比特幣持有者。
根據該銀行的說法，這項服務將向歐洲和亞洲等地區的全球投資者提供，但不包括美國居民。
Xapo Bank受直布羅陀金融服務委員會的監管，根據2019年的金融服務法運營。2024年，該銀行成功在英國獲得了銀行執照，讓其Xapo Bank應用程序能夠全面進入該國市場。
雖然Xapo的貸款在歐盟範圍內提供，但加密貸款並不受當地的市場加密資產框架等法規的涵蓋。
在多次崩潰後的復甦
Xapo Bank的新比特幣貸款推出，正值加密貸款行業在2022年經歷重大危機之後。該危機發生在歷史性的Terra崩潰及隨後的熊市中，導致Celsius和BlockFi等主要貸款提供商的崩潰。
“Celsius、BlockFi和其他集中型貸款機構的崩潰大大削弱了人們對加密貸款領域的信任，”Xapo Bank的首席執行官告訴Cointelegraph。
“如今，借款人更加謹慎，優先選擇那些在比特幣保管方面有良好記錄的平台，以及那些提供安全、透明解決方案的機構——尤其是那些不進行再抵押的機構，”Rocca補充道：“同時，對比特幣支持的貸款需求正在上升，特別是在高淨值個人和機構投資者中，他們希望在不出售比特幣持有的情況下獲得流動性。”
除了去除資產再抵押和MPC安全性外，Xapo還提供風險管理工具和主動保護，以防止自動清算。
“如果比特幣價格下跌，客戶會立即收到通知，讓他們可以選擇補充抵押品或進行部分還款，以維持其貸款狀態，”Rocca指出。
Xapo並不是唯一一家在2025年推出貸款產品的公司。今年3月初，比特幣開發者Blockstream獲得了數十億美元的投資，以推出三個新的機構基金，其中兩個提供比特幣貸款。
這篇文章揭示了加密貸款市場在經歷了幾次重大崩潰後的復甦潛力，尤其是在高淨值個人和機構投資者中。Xapo Bank的做法不僅顯示出對比特幣的信心，也反映了市場對透明和安全貸款解決方案的需求。隨著加密市場的逐漸成熟，未來可能會出現更多類似的創新產品，這將進一步推動加密金融的發展。
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 stylish beautiful woman portrayed as Cleopatra performing a sacred night-time royal dance, embodying divine seduction, power, and celestial authority.",
"angle": "Full-body high-fashion editorial portrait captured at a cinematic 3/4 angle, ultra-crisp clarity with no blur.",
"pose": {
"body_position": "She is captured mid-dance inside a temple courtyard at night, her body angled gracefully, hips grounded, torso lifted, creating a powerful and sensual silhouette.",
"movement": "Her arms are raised in slow ceremonial motion while one leg steps forward, fully revealing her feet and lower legs as part of the ritual stance.",
"expression": "A calm, hypnotic, commanding gaze directed toward the camera—quiet dominance wrapped in sensual mystery."
}
},
"appearance": {
"outfit": "An ultra-bongga Cleopatra couture gown with an all-crystal bodice that fits like jeweled armor. Thousands of hand-set crystals, diamonds, and glass stones in gold, champagne, clear, and iridescent tones form sacred Egyptian motifs—cobras, sun disks, lotus symbols—entirely through crystal placement. The neckline is daring yet elegant, supported by invisible illusion mesh. From the waist, the skirt opens into flowing sheer silk and organza panels in ivory and soft gold, designed with a high front opening that intentionally exposes her legs and feet during movement. Crystal chains and beaded fringe sway rhythmically with every step, enhancing sensual motion.",
"accessories": "A dramatic Egyptian ceremonial headpiece with gold and crystal detailing, an oversized layered gold collar necklace, sculpted crystal arm cuffs, finger armor rings, a crystal-and-gold waist belt, and delicate gold anklets accentuating her bare feet.",
"hair": "Her hair is sleek, glossy, and perfectly controlled, styled to balance the weight of the crystal headpiece while allowing elegant movement.",
"makeup": "Ultra-glam, colorful Egyptian night makeup—bold elongated black kohl eyeliner, intense eyeshadow layered in turquoise, emerald, sapphire blue, violet, and metallic gold. Beneath the eyes, intricate ceremonial ink drawings in fine black and gold lines inspired by ancient Egyptian markings. Skin is luminous with molten-gold highlights, brows strong and defined, lips finished in a sensual nude-bronze satin."
},
"props": {
"ritual_elements": [
"Burning incense bowls releasing thick aromatic smoke",
"Golden sistrum placed near the dance space",
"Tall ceremonial torches lining the temple floor"
]
},
"background": {
"macro_environment": "A grand ancient Egyptian temple courtyard at night, reserved for sacred royal rituals.",
"midground_details": "Towering sandstone columns, massive statues of Isis and Hathor, carved temple walls, flowing linen drapes, and ceremonial platforms illuminated by firelight.",
"micro_elements": "Torch flames reflecting off crystal surfaces, fine dust particles glowing in the night air, incense smoke wrapping around her legs and feet, detailed stone floor textures beneath her bare feet, crystal fringe in motion, and sharply defined shadows—everything rendered in extreme detail with zero blur."
},
"lighting": {
"type": "Cinematic night lighting using torches, oil lamps, and subtle moonlight.",
"effect": "Firelight ignites the crystal bodice with prismatic sparkle while moonlight softly outlines her legs and feet, creating a dramatic, sensual, and divine atmosphere."
},
"camera": {
"camera_type": "DSLR",
"resolution": "8K UHD",
"lens": "50mm prime lens",
"aperture": "f/8 for full-body and environment sharpness",
"iso": 100,
"shutter_speed": "1/200s to freeze elegant motion clearly",
"focus": "Extreme sharp focus on crystal bodice, facial features, legs, feet, and temple details, no bokeh, no blur"
},
"style": "Ultra high-fashion editorial, night temple ritual, all-crystal couture, sexy yet sacred, ancient Egyptian royalty reimagined, cinematic realism, extremely detailed, sharp, iconic"
}](https://ssfuture.shop/wp-content/uploads/ai_gen_1766006158-167x300.png)
