加密貸款，虹膜掃描和無抵押貸款：新的邊界？

探索無抵押加密貸款的複興，其中包含Iris掃描借款人驗證及其對全球金融的影響。

Crypto Lending, Iris Scanning, and Unsecured Loans: A New Frontier?

加密貸款，虹膜掃描和無抵押貸款：新的邊界？

The world of crypto lending is evolving, and a fascinating trend is emerging: unsecured loans verified by iris scans. Let's dive into this innovative approach and see what it means for the future of finance.

加密貸款的世界正在發展，引人入勝的趨勢正在出現：通過虹膜掃描驗證的無抵押貸款。讓我們深入研究這種創新的方法，看看它對財務的未來意味著什麼。

Eyeing a New Lending Landscape

關注新的貸款景觀

San Francisco-based Divine Research is making waves by issuing unsecured loans to borrowers worldwide, using iris scans instead of traditional IDs. This method, leveraging World ID (developed by Worldcoin), aims to reach underserved individuals, particularly in developing economies, who often struggle to access traditional credit.

總部位於舊金山的Divine Research通過使用IRIS掃描而不是傳統ID來向全球借款人發出無抵押貸款，從而引起了海浪。這種方法是利用世界ID（由WorldCoin開發的），旨在吸引服務不足的人，特別是在發展中經常努力獲得傳統信譽的人。

Microfinance on Steroids?

小額信貸在類固醇上？

Divine Research, has issued around 30,000 short-term loans since December. The loans, typically under $1,000, are disbursed in USDC. According to Divine founder Diego Estevez, this initiative targets everyday individuals like teachers and vendors, providing them with access to much-needed credit. It's "microfinance on steroids," as Estevez puts it.

自12月以來，Divine Research已發行了約30,000個短期貸款。貸款通常不到1,000美元，在USDC中支付。根據Divine創始人Diego Estevez的說法，該倡議針對教師和供應商等日常個人，為他們提供了急需的信貸。正如Estevez所說，它是“類固醇上的小額信貸”。

The Iris Scan Advantage

虹膜掃描優勢

Each borrower undergoes an iris scan via a World ID orb to confirm their identity. This system is designed to prevent users from taking out multiple loans under different identities, reducing the risk of default. While default rates on first-time loans are around 40%, fixed interest rates (20%-30%) and reclaimable Worldcoin tokens help mitigate these losses.

每個借款人通過世界ID ORB進行虹膜掃描以確認其身份。該系統旨在防止用戶在不同的身份下取出多個貸款，從而降低違約風險。雖然首次貸款的違約利率約為40％，但固定利率（20％-30％）和可回收的WorldCoin代幣有助於減輕這些損失。

A Second Chance for Unsecured Crypto Lending

無抵押加密貸款的第二次機會

The rise of Divine coincides with the resurgence of unsecured crypto lending after the 2022 market crash that led to the downfall of major lenders like Celsius and Genesis. While those failures were due to retail-funded platforms being unable to return deposits amidst falling token prices, new players are cautiously entering the field. Platforms like 3Jane, backed by Paradigm, are issuing uncollateralized USDC loans on Ethereum, using proof of bank or crypto assets instead of collateral. They even sell defaulted loans to US debt collectors and are developing AI-powered lending agents to automate debt term enforcement.

神的興起與2022年市場崩潰後無抵押加密貸款的複興相吻合，這導致了塞爾斯和創世記等主要貸方的倒台。儘管這些失敗是由於零售資助的平台無法在下跌的價格下降中退還存款，但新參與者謹慎地進入了該領域。由范式支持的3Jane之類的平台正在使用銀行或加密資產的證明而不是抵押品來發行以太坊上的不保留USDC貸款。他們甚至向美國的收債員出售違約貸款，並正在開發AI驅動的貸款代理商以自動化債務期限的執行。

The Niche Appeal and Wall Street's Cautious Entry

利基吸引力和華爾街的謹慎入境

Although still a niche segment, unsecured loans are gaining attention amid growing investor appetite. Larger players like Coinbase and Tether still dominate collateralized lending. Wall Street is also dipping its toes in, with firms like Cantor Fitzgerald launching bitcoin-backed financing arms. Divine's unique model, combining biometric verification with a focus on small, global borrowers, sets it apart.

儘管仍然是利基市場，但由於投資者的需求不斷增長，無抵押貸款仍在引起人們的關注。諸如Coinbase和繫繩之類的較大球員仍然主導抵押貸款。華爾街還傾斜了腳趾，像坎托·菲茨杰拉德（Cantor Fitzgerald）這樣的公司推出了比特幣支持的融資武器。 Divine的獨特模型，將生物識別驗證與關注小型全球借款人的重點相結合，將其與眾不同。

My Take: A Risky But Promising Venture

我的看法：冒險但有前途的冒險

While the idea of unsecured crypto loans verified by iris scans is intriguing, it's not without its risks. The high default rates and the volatile nature of the crypto market remain significant concerns. However, the potential to provide financial access to underserved populations is undeniable. If Divine and similar platforms can refine their risk management strategies and continue to innovate, they could revolutionize microfinance. The 40% default rate cited in the article is a stark reminder of the risks involved, but the high interest rates help mitigate some of the loss.

儘管虹膜掃描驗證的無抵押加密貸款的想法令人著迷，但並非沒有風險。加密貨幣市場的高默認率和動蕩的性質仍然是重大關注的問題。但是，不可否認的是，為服務不足的人口提供財務通道的潛力是不可否認的。如果神聖和類似的平台可以完善其風險管理策略並繼續進行創新，那麼他們可能會徹底改變小額信貸。本文引用的40％違約利率明顯提醒您所涉及的風險，但高利率有助於減輕一些損失。

Looking Ahead

展望未來

For now, Divine is betting that eye scans, high interest rates, and yield-hungry depositors can make unsecured crypto loans work, even in a market still haunted by its past. Will it succeed? Only time will tell. But one thing is clear: the world of crypto lending is never short on surprises. It's like a financial rollercoaster – buckle up and enjoy the ride!

目前，Divine押注眼睛掃描，高利率和渴望產量的存款人可以使無抵押的加密貸款起作用，即使在仍然因其過去仍然困擾的市場中。它會成功嗎？只有時間會證明。但是有一件事很清楚：加密貸款的世界永遠不會缺乏驚喜。就像是金融過山車 - 搭扣並享受旅程！