DeFi、代幣化房地產和貝萊德：英國加密貨幣的新時代？

貝萊德在倫敦推出的比特幣 ETP 標誌著英國加密貨幣投資的轉變，有可能將傳統金融與 DeFi 和代幣化房地產聯繫起來。

DeFi, Tokenized Real Estate, and BlackRock: A New Era for UK Crypto?

DeFi、代幣化房地產和貝萊德：英國加密貨幣的新時代？

Hold onto your hats, London! The crypto landscape just got a serious upgrade. With BlackRock launching its first Bitcoin ETP on the London Stock Exchange, and developments in tokenized real estate gaining traction, it feels like the future of finance is arriving faster than you can say "blockchain".

倫敦，請戴好帽子！加密貨幣格局剛剛得到了重大升級。隨著貝萊德在倫敦證券交易所推出其第一個比特幣 ETP，以及代幣化房地產的發展受到關注，感覺金融的未來正在以比“區塊鏈”更快的速度到來。

BlackRock's Bitcoin ETP: A Game Changer?

貝萊德的比特幣 ETP：遊戲規則改變者？

October 22, 2025, marked a pivotal moment. BlackRock, the world's largest asset manager, listed its iShares Bitcoin ETP (IB1T) in London. This move came hot on the heels of the UK Financial Conduct Authority (FCA) easing its restrictions on crypto-linked investments. What does this mean for everyday investors? It means exposure to Bitcoin on a regulated and familiar platform, without the technical hassle of buying and storing it directly. Think of it as Bitcoin for beginners – but with BlackRock's stamp of approval.

2025 年 10 月 22 日是一個關鍵時刻。全球最大的資產管理公司貝萊德 (BlackRock) 在倫敦上市其 iShares 比特幣 ETP (IB1T)。此舉緊隨英國金融行為監管局（FCA）放寬對加密貨幣相關投資的限制之後推出。這對日常投資者意味著什麼？這意味著在受監管且熟悉的平台上接觸比特幣，而無需直接購買和存儲比特幣的技術麻煩。將其視為初學者的比特幣——但帶有貝萊德的認可印章。

The ETP tracks the price of Bitcoin, with Coinbase acting as custodian, ensuring institutional-grade security. The expense ratio is a reasonable 0.15% until the end of 2025, then bumps up to 0.25%. This launch isn't just about Bitcoin; it's about mainstream acceptance and a potential flood of traditional finance into the crypto space.

ETP 跟踪比特幣的價格，Coinbase 充當託管人，確保機構級安全。到 2025 年底，費用比率合理為 0.15%，然後升至 0.25%。此次發布不僅涉及比特幣，還涉及比特幣。這是關於主流接受度以及傳統金融可能大量湧入加密貨幣領域的問題。

Tokenized Real Estate: The Next Frontier

代幣化房地產：下一個前沿

While BlackRock's move is huge, it's not the only exciting development. The tokenization of real estate is also gaining momentum. World Liberty Financial, for example, plans to tokenize real estate assets, offering micro-shares in luxury properties. This opens the door for retail investors to participate in real estate investment through fractional ownership.

儘管貝萊德的舉措規模巨大，但這並不是唯一令人興奮的進展。房地產的代幣化也正在蓬勃發展。例如，世界自由金融公司計劃將房地產資產代幣化，提供豪華房產的微型股票。這為散戶投資者通過部分所有權參與房地產投資打開了大門。

According to a Deloitte report, the tokenized real estate market could reach a staggering $4 trillion by 2035. Platforms like 8lends are already bridging the gap between crypto and real-world finance, allowing investors to lend stablecoins to businesses backed by tangible assets. This provides a more stable and transparent yield compared to purely crypto-based DeFi platforms.

根據德勤的一份報告，到 2035 年，代幣化的房地產市場可能會達到驚人的 4 萬億美元。像 8lends 這樣的平台已經在彌合加密貨幣和現實世界金融之間的差距，允許投資者向有形資產支持的企業借出穩定幣。與純粹基於加密貨幣的 DeFi 平台相比，這提供了更穩定、更透明的收益。

DeFi Evolution: Beyond the Hype

DeFi 進化：超越炒作

DeFi is maturing, moving beyond speculative token swaps and lending. Platforms are focusing on real-world assets and regulatory compliance. 8lends, backed by Swiss company Maclear AG, exemplifies this trend, adhering to strict KYC and AML standards. MANTRA and EleveX are also launching tokenized real estate projects, demonstrating the growing interest in RWA tokenization.

DeFi 正在走向成熟，超越了投機性代幣互換和借貸。平台專注於現實世界的資產和監管合規性。由瑞士公司 Maclear AG 支持的 8lends 體現了這一趨勢，遵守嚴格的 KYC 和 AML 標準。 MANTRA 和 EleveX 還推出了代幣化房地產項目，表明人們對 RWA 代幣化的興趣日益濃厚。

My Take: A Cautiously Optimistic Future

我的看法：謹慎樂觀的未來

The convergence of DeFi, tokenized real estate, and institutional adoption, spearheaded by players like BlackRock, paints a promising picture. However, it's crucial to remember that the crypto market remains volatile. While BlackRock's ETP offers a safer entry point, investors should still exercise caution and do their own research. The Deloitte report suggesting a $4 trillion tokenized real estate market by 2035 sounds amazing but relies on so many external factors that can’t be accurately predicted.

在貝萊德等公司的引領下，DeFi、代幣化房地產和機構採用的融合描繪了一幅充滿希望的圖景。然而，重要的是要記住，加密貨幣市場仍然不穩定。雖然貝萊德的 ETP 提供了更安全的切入點，但投資者仍應謹慎行事並進行自己的研究。德勤報告指出，到 2035 年，代幣化房地產市場將達到 4 萬億美元，這聽起來很驚人，但依賴於許多無法準確預測的外部因素。

Still, the trend is clear: crypto is becoming more accessible, regulated, and integrated into the traditional financial system. This is a big win for innovation and could unlock new investment opportunities for everyone.

儘管如此，趨勢仍然很明顯：加密貨幣正變得越來越容易獲取、受到監管並融入傳統金融體系。這是創新的巨大勝利，可以為每個人帶來新的投資機會。

Wrapping Up

總結

So, there you have it. BlackRock's Bitcoin ETP, coupled with the rise of tokenized real estate, is shaking up the UK crypto scene. It's an exciting time to be involved, but remember to stay informed, stay cautious, and enjoy the ride! Who knows, maybe one day we'll all be owning a piece of a London penthouse through a tokenized real estate platform. Cheers to the future of finance!

所以，你就知道了。貝萊德的比特幣 ETP，加上代幣化房地產的興起，正在撼動英國的加密貨幣場景。這是參與其中的激動人心的時刻，但請記住隨時了解情況、保持謹慎並享受這段旅程！誰知道呢，也許有一天我們都會通過代幣化的房地產平台擁有一套倫敦頂層公寓。為金融的未來乾杯！