比特幣貸款和加密支持的貸款增強了新的財務獨立浪潮

比特幣貸款和加密支持的貸款賦予了新的財務獨立浪潮，使加密貨幣持有者立即訪問資本，而無需犧牲其數字投資。

Cryptocurrency is heating up quickly, and with it comes new and innovative ways to manage finances. Among the various avenues that DeFi provides, lending is fast becoming a preferred method of accessing capital.

加密貨幣正在迅速加熱，隨之而來的是管理財務的新方法。在Defi提供的各種途徑中，貸款正在迅速成為獲得資本的首選方法。

Rather than selling off their digital assets during market lows and accruing capital gains taxes, crypto holders are increasingly turning to Bitcoin loans and crypto-backed loans to gain instant access to the capital they need.

加密持有人越來越多地轉向比特幣貸款和加密貨幣支持的貸款，以立即獲得所需的資本，而不是在市場低點和累積資本利得稅時出售其數字資產，而是越來越多地轉向比特幣貸款和加密貨幣支持的貸款。

This new wave of financial independence is appealing to those seeking transparent terms and conditions without having to compromise their long-term investments.

這種新的財務獨立浪潮吸引了那些尋求透明條款和條件的人，而不必損害其長期投資。

DeFi lending is transforming financial transactions as we know them. Borrowers retain control over their financial assets and can select their preferred terms and payment schedule. Digital assets open new doors to lending and borrowing, especially if using a widely known asset such as Bitcoin.

我們知道，Defi貸款正在改變財務交易。借款人保留對財務資產的控制權，並可以選擇其首選條款和付款時間表。數字資產為貸款和借貸打開了新的門，尤其是在使用眾所周知的資產（例如比特幣）時。

Those who prefer not to sell their crypto at a capital loss can opt for crypto-backed loans, which allow lenders to deposit their crypto assets into lending pools, where borrowers can access the funds and deposit digital assets to be used against the loan as collateral.

那些不願意以資本損失出售加密貨幣的人可以選擇加密支持的貸款，這使貸方可以將其加密資產存放到貸款池中，在那裡借款人可以使用資金並存入數字資產，以用於貸款作為抵押品。

Borrowers can add more collateral than the loan is worth, known as over-collateralization, which acts as a financial safety net. A smart contract is entered into between the borrower and the lender, an automatic process that can take as little as 24 hours.

借款人可以添加比貸款值得更多的抵押品，稱為過度合併，這是財務安全網。在藉款人和貸方之間簽訂了智能合約，這是一種自動過程，可能需要24小時。

The contract lists the terms and conditions of the loan, such as interest rate and repayment terms. Some borrowers can take out a flash loan where collateral is not required under the condition that the full amount be repaid within the same transaction block.

合同列出了貸款的條款和條件，例如利率和還款條款。一些借款人可以在同一交易塊中償還全額的條件下不需要抵押。

The advantages of Bitcoin loans stem from the fact that it is the most established cryptocurrency, making it the most commonly accepted form of collateral, often providing lower interest rates and higher borrowing limits.

比特幣貸款的優點源於以下事實：它是最成熟的加密貨幣，使其成為最常見的抵押品形式，通常提供較低的利率和較高的借貸限額。

As the oldest form of cryptocurrency, Bitcoin offers a unique advantage over other digital assets, adding value to the cryptocurrency for lenders and borrowers.

比特幣是最古老的加密貨幣形式，比其他數字資產具有獨特的優勢，為貸方和借款人的加密貨幣增加了價值。

Those holding Bitcoin can retain their holdings and benefit if their valuation increases. This is a critical advantage as Bitcoin has a finite amount, meaning its value rises with supply and demand.

那些持有比特幣的人可以保留其持股，如果他們的估值提高，則可以將其受益。這是一個關鍵的優勢，因為比特幣的數量有限，這意味著其價值隨供求而上升。

If an individual uses it as collateral, they can hold on to their assets without sacrificing value. For instance, if an investor bought Bitcoin in 2012 at a low price and now wishes to borrow fiat currency, they can do so without selling their Bitcoin and incurring capital gains tax.

如果個人將其用作抵押品，他們可以堅持自己的資產而無需犧牲價值。例如，如果投資者在2012年以低廉的價格購買了比特幣，現在希望藉用法定貨幣，那麼他們可以這樣做，而無需出售其比特幣和產生的資本利得稅。

However, if the loan is not repaid on time, the lender has the right to liquidate the borrower’s collateral to recover their funds.

但是，如果不按時償還貸款，則貸方有權清算借款人的抵押品以收回其資金。

Crypto-backed loans support a variety of tokens, from major coins like Ethereum to stablecoins, enabling users to leverage diversified portfolios for short—or long-term borrowing.

加密支持的貸款支持各種代幣，從以太坊這樣的主要硬幣到穩定幣，使用戶能夠將多元化的投資組合用於短期或長期借貸。

DeFi lending offers flexibility and control for borrowers because they can choose their loan-to-value ratio and repayment schedule.

Defi Lending為藉款人提供了靈活性和控制權，因為他們可以選擇其貸款與價值比率和還款時間表。

Once they meet their obligations, their assets are returned to them immediately, which is one of the biggest draws of DeFi lending. Borrowers can also choose their interest rates based on market conditions or stable rates for greater predictability, leaving them in control of the loan throughout its term.

一旦履行義務，他們的資產就會立即退還給他們，這是Defi貸款的最大吸引力之一。借款人還可以根據市場條件或穩定的利率選擇其利率，從而使他們在整個期限內控制貸款。

This transparency offers peace of mind and allows borrowers to boost their trading power, diversify their portfolio, and have instant access to liquidity.

這種透明度可以使人安心，並允許借款人提高交易能力，使投資組合多樣化並立即獲得流動性。

Most crypto loan platforms offer approval and funding in under 24 hours with no credit score or employment history required, a significant advantage over traditional loan methods.

大多數加密貸款平台在24小時內提供批准和資金，而無需信用評分或就業歷史記錄，這比傳統貸款方法具有重要優勢。

Borrowing against digital assets provides bridge financing for businesses, frees up cash for large purchases such as a car or home, and allows for investing opportunities in new assets.

針對數字資產的借款為企業提供橋樑融資，從汽車或房屋等大型購買中釋放現金，並允許在新資產上投資機會。

Accessing liquid cash in less than a day benefits the ever-evolving crypto economy, allowing for almost real-time investment decisions.

在不到一天的時間內獲取液體現金有益於不斷發展的加密經濟，從而幾乎實時投資決策。

However, borrowing against crypto or other digital assets has inherent risks, similar to traditional financial transactions.

但是，針對加密貨幣或其他數字資產的借款具有固有的風險，類似於傳統的金融交易。

Crypto volatility can trigger automatic liquidations, maintaining the required loan-to-value ratio, and choosing the wrong platform are common risks associated with DeFi lending. Economic risks can be mitigated by concise research, choosing realistic lending terms for the borrower, and fulfilling the terms on time.

加密波動可以觸發自動清算，維持所需的貸款與價值比率以及選擇錯誤的平台是與Defi Lending相關的常見風險。簡潔的研究可以減輕經濟風險，為藉款人選擇現實的貸款條款，並按時完成條款。

Smart contracts come with inherent risks, including vulnerabilities that could make them susceptible to malicious actors. Once the contract is deployed, it is immutable, meaning that bugs or other issues cannot be easily fixed, which could increase the risk of exploitation and potential losses.

智能合約帶有固有的風險，包括可能使其容易受到惡意演員的脆弱性。一旦部署了合同，它是不可變的，這意味著錯誤或其他問題不能輕易解決，這可能會增加剝削和潛在損失的風險。

To minimize risk when considering DeFi lending, look for established platforms with transparent fees, strong reviews, and secure wallet infrastructure.

為了最大程度地降低考慮Defi Lending時的風險，請尋找具有透明費用，強大評論和安全錢包基礎設施的既定平台。

Look for platforms that have undergone numerous audits by trusted third-party firms, which help mitigate potential vulnerabilities in the platform’s code. The platform should allow various assets, including ETH-based tokens and cross-chain holdings, for multiple options.

尋找已受信任的第三方公司進行了眾多審核的平台，這些平台有助於減輕平台代碼中的潛在漏洞。該平台應允許各種資產，包括基於ETH的令牌和跨鏈持有量，以獲取多種選擇。

Finding a platform with a user-friendly interface featuring multiple tools, such as gas fee estimates and protocol analytics, is best. These tools make monitoring your position easy and ensure transparency and peace of mind.

最好找到具有用戶友好的界面的平台，其中包括多種工具，例如汽油費估計和協議分析。這些工具使監視您的位置容易，並確保透明度和安心。

As decentralized finance (DeFi) matures, expect crypto-backed loans to offer even more flexibility, autonomy, and integration into everyday financial transactions.

隨著分散的金融（DEFI）的成熟，預計由加密貨幣支持的貸款將提供更大的靈活性，自主權和整合到日常的金融交易中。

Using a reputable platform that is easy to navigate ensures

使用易於導航的知名平台確保