第一阿布達比銀行和 Libre Capital 聯手利用區塊鏈技術徹底改變貸款業

中東最大的銀行實體第一阿布達比銀行 (FAB) 將與 Libre Capital 合作，透過區塊鏈技術徹底改變貸款業。

First Abu Dhabi Bank (FAB), the Middle East’s largest banking entity, is set to revolutionize lending with Libre Capital through blockchain technology. A Memorandum of Understanding (MoU) between both firms in the UAE led to this initiative, introducing a lending scheme that utilizes collateralized loans in stablecoin, backed by tokenized real-world assets (RWAs).

中東最大的銀行實體阿布達比第一銀行 (FAB) 將透過區塊鏈技術與 Libre Capital 一起徹底改變貸款業。阿聯酋兩家公司之間的諒解備忘錄（MoU）促成了這一舉措，引入了一項利用穩定幣抵押貸款的貸款計劃，並由代幣化的現實世界資產（RWA）支持。

Launched earlier this year, Libre Capital has already tokenized around $150 million in assets, including funds from Brevan Howard, Hamilton Lane, and BlackRock. Tokenized assets digitally represent the underlying real investment vehicles, enabling investors to utilize them as collateral in a decentralized, blockchain-based environment.

Libre Capital 於今年稍早推出，已將約 1.5 億美元的資產代幣化，其中包括來自 Brevan Howard、Hamilton Lane 和 BlackRock 的資金。代幣化資產以數位方式代表潛在的真實投資工具，使投資者能夠在去中心化、基於區塊鏈的環境中將其用作抵押品。

Part of Libre’s Project HODL, this blockchain-based lending program runs on multiple blockchain networks — Ethereum, Polygon, Solana, and Coinbase’s BASE — to ensure elasticity and accessibility. It aligns with the platform’s digital-first nature by facilitating lending in stablecoins rather than fiat currency.

作為 Libre 專案 HODL 的一部分，這個基於區塊鏈的借貸專案在多個區塊鏈網路（以太坊、Polygon、Solana 和 Coinbase 的 BASE）上運行，以確保彈性和可訪問性。它透過促進穩定幣而不是法定貨幣的借貸來符合該平台的數位優先性質。

Highlighting the innovative infrastructure for the program, Libre’s founder and chief executive officer, Dr. Avtar Sehra, said, “This enhances utility because it allows RWAs to act as collateral through an on-chain mechanism.” The initiative is further supported by existing financial institutions such as Brevan Howard’s WebN Group and Nomura’s Laser Digital, adding credibility.

Libre 創始人兼首席執行官 Avtar Sehra 博士強調了該計劃的創新基礎設施，他表示：“這增強了實用性，因為它允許 RWA 通過鏈上機製作為抵押品。”該計劃得到了 Brevan Howard 旗下的 WebN Group 和野村證券旗下 Laser Digital 等現有金融機構的進一步支持，增加了可信度。

FAB, thus, embodies the rapidly eroding distinction between traditional banking and blockchain innovation. Being one of the world’s largest banks, with an asset base of $335 billion, FAB participation marks the increasing interest in institutional adoption of digital asset-backed lending.

因此，FAB 體現了傳統銀行業務和區塊鏈創新之間的差異正在迅速消失。作為擁有 3,350 億美元資產基礎的全球最大銀行之一，FAB 的參與標誌著機構採用數位資產支持貸款的興趣日益濃厚。

Describing the collaboration, Sameh Al Qubaisi, global markets group head at FAB, said that innovation, coupled with regulation, will provide a safe yet transformative lending landscape. The MoU will facilitate the pilot phase as FAB provides credit lines to the approved lenders, while Libre’s tokenized assets will be integrated into its liquidity management framework.

FAB 全球市場集團負責人 Sameh Al Qubaisi 在描述此次合作時表示，創新與監管相結合，將提供一個安全且變革性的貸款環境。該諒解備忘錄將促進試點階段，FAB 向批准的貸方提供信貸額度，而 Libre 的代幣化資產將整合到其流動性管理框架中。

Ultimately, this program interweaves traditional finance and blockchain to pave the way for a more inclusive and advanced financial future.

最終，該計劃將傳統金融和區塊鏈交織在一起，為更具包容性和先進的金融未來鋪平道路。