Defi Lending，Fintech和Morpho：一個新時代？

探索Fefi Lending，Fintech和Morpho聯合創始人對財務未來的見解的融合。

DeFi Lending, Fintech, and Morpho: A New Era?

Defi Lending，Fintech和Morpho：一個新時代？

The DeFi landscape is evolving, with Fintech companies increasingly eyeing decentralized alternatives. Morpho co-founder Merline Egalite sheds light on this shift, highlighting DeFi's potential to offer more accessible loans with smaller fees. Is this the future of finance?

Defi景觀正在發展，而金融科技公司越來越關注分散的替代品。 Morpho聯合創始人Merline Egalite闡明了這一轉變，強調了Defi提供更多可訪問貸款的潛力，費用較小。這是金融的未來嗎？

The Fintech Migration to DeFi

金融科技遷移到defi

According to Merline Egalite, co-founder of Morpho, Fintech firms are waking up to the higher rates and superior financial products offered by DeFi. Egalite predicts that a significant portion of global Fintech firms will migrate to DeFi within the next three years. This shift is driven by the efficiency and accessibility of DeFi lending protocols, which operate via smart contracts, eliminating the need for numerous financial intermediaries.

根據Morpho的聯合創始人Merline Egalite的說法，Fintech公司正在喚醒Defi提供的較高利率和卓越的金融產品。大都人預測，全球金融科技公司的很大一部分將在未來三年內遷移到Defi。這種轉變是由通過智能合約運行的Defi Lengend協議的效率和可訪問性驅動的，從而消除了對眾多金融中介機構的需求。

DeFi's Edge: Permissionless and Accessible

Defi的邊緣：無許可和可訪問

DeFi lending provides a crucial financial lifeline for individuals worldwide who lack access to traditional banking infrastructure. Its permissionless nature bypasses traditional banking restrictions, offering greater financial freedom. Fintech companies using traditional banking rails face risks such as losing licenses or API access, further incentivizing the move to DeFi.

Defi Lending為全球缺乏傳統銀行基礎設施的個人提供了至關重要的財務壽命。它的無許可性質繞過傳統的銀行業務限制，提供更大的財務自由。使用傳統銀行鐵路的金融科技公司面臨諸如失去許可或API訪問的風險，進一步激勵了向DEFI的搬遷。

The Rise of DeFi Lending

Defi貸款的興起

DeFi lending has seen a substantial recovery, reaching a new cumulative all-time high of $66.7 billion in TVL. While AAVE dominates with $31.7 billion, Morpho holds a significant $5.5 billion. This resurgence signals a strong rebound from the challenges faced by CeFi lenders in recent years.

Defi Lending已經實質性地恢復了，在TVL中達到了667億美元的新累積高點。儘管AAVE以3,17億美元的價格佔據主導地位，但Morpho持有55億美元的巨額資金。這種複興表明，近年來CEFI貸方面臨的挑戰有很大的反彈。

Beyond Lending: Fumbi's Acquisition of DLTPAY

超越貸款：fumbi的DLTPAY收購

The acquisition of DLTPAY by Fumbi Network shows the growing importance of hybrid solutions in the fintech space. DLTPAY's non-custodial wallet application, which supports stablecoins like EURC, allows users greater control and flexibility. This move reflects a broader trend towards integrating non-custodial features within regulated frameworks, offering users both convenience and control.

Fumbi網絡對DLTPAY的採集表明，混合解決方案在金融科技領域的重要性越來越重要。 DLTPAY的非習慣錢包應用程序支持像EUR這樣的穩定幣，可以使用戶更大的控制和靈活性。這一舉動反映了將非監測功能集成在受監管框架中的更廣泛趨勢，從而為用戶提供了便利性和控制。

Mutuum Finance: A Rising Star in DeFi

Mutuum Finance：Defi中的後起之秀

While established players like Chainlink and Polygon continue to thrive, Mutuum Finance (MUTM) is emerging as a notable contender. MUTM's platform allows users to borrow funds without selling their crypto and earn passive income. With a successful presale raising over $4.1 million and plans for a beta platform launch, MUTM offers early investors significant potential returns.

儘管諸如Chainlink和Polygon之類的成熟參與者繼續蓬勃發展，但Mutuum Finance（MUTM）卻是一個值得注意的競爭者。 MUTM的平台允許用戶在不出售其加密貨幣並賺取被動收入的情況下借資金。隨著預售籌集了超過410萬美元，併計劃發布Beta平台的計劃，MUTM為早期投資者提供了巨大的潛在回報。

Final Thoughts

最後的想法

The convergence of DeFi lending and Fintech, championed by innovators like Morpho and fueled by rising stars like Mutuum Finance, is reshaping the financial landscape. The shift towards decentralized, accessible, and user-controlled financial solutions is not just a trend—it's the future. So, buckle up and get ready for a wild ride as DeFi continues to disrupt the old guard!

在像Morpho這樣的創新者倡導並以Mutuum Finance等新興星星為推動下的Defi Lending和Fintech的融合正在重塑金融景觀。向分散，可訪問和用戶控制的金融解決方案轉變不僅是一種趨勢，而且是未來。因此，隨著Defi繼續破壞舊的後衛，搭扣並為狂野的騎行做好了準備！