無許可的加密貨幣貸款協議Morpho Morpho揭幕了V2更新，並具有市場驅動的固定利率貸款

Morpho是一種無許可的加密貨幣貸款協議，宣布了一項更新，旨在進一步將分散融資（DEFI）與傳統貸款保持一致

Cryptocurrency lending protocol Morpho has unveiled an update that brings more in the way of bespoke, predictable loan terms, seeking to further align decentralized finance (DeFi) with traditional lending.

加密貨幣貸款協議Morpho發布了一項更新，該更新以定制，可預測的貸款條款的方式更多，試圖進一步使分散的財務（DEFI）與傳統貸款保持一致。

Morpho V2 delivers market-driven fixed-rate, fixed-term loans with customizable terms, features previously unseen in DeFi, which are required to meet the demands of institutions and enterprises looking to build or migrate financial products on-chain.

Morpho V2提供以市場驅動的固定利率，具有可自定義條款的固定利率，以前在DEFI中看不見的功能，這是滿足希望在鏈上建立或遷移金融產品的機構和企業的需求所必需的。

DeFi, a blockchain-based and automated system of lending and borrowing on-chain assets, is set to surge this year, just as it did in 2021, particularly because of the involvement of institutional finance and real-world assets (RWAs).

DEFI是一種基於區塊鏈的貸款和借貸鍊鍊資產的系統，今年將像2021年一樣激增，特別是因為機構融資和現實世界資產（RWAS）的參與。

But DeFi infrastructure needs to surpass certain on-chain confines such as a reliance on over-collateralization and fixed formulas for calculating rates in order to scale to institutional-grade potential.

但是，Defi基礎設施需要超越某些鏈上的限制，例如依賴過度側面化和計算速率的固定公式，以便擴展到機構級別的潛力。

“With Morpho V2, we wanted to move beyond the rigid, pool-based structures that dominate DeFi today where users have little control over rates or terms. V2 introduces an intent-based model where lenders and borrowers express exactly what they want, like fixed-rate, fixed-term loans, specific collateral preferences etc., and the system finds the best match,” Morpho Labs CEO Paul Frambot said in an email.

“With Morpho V2, we wanted to move beyond the rigid, pool-based structures that dominate DeFi today where users have little control over rates or terms. V2 introduces an intent-based model where lenders and borrowers express exactly what they want, like fixed-rate, fixed-term loans, specific collat​​​​eral preferences etc., and the system finds the best match,” Morpho Labs CEO Paul Frambot said in an email.

Whereas the previous version of Morpho limited loans to single collateral types, V2 supports single assets, multiple assets, or entire portfolios as collateral, including RWAs and niche assets, according to a press release.

根據新聞稿，雖然Morpho以前的Morpho限制貸款對單外側類型，但V2支持單一資產，多個資產或整個投資組合作為抵押品，包括RWAS和NICHE資產。

“This level of precision and flexibility is what’s needed to serve both sophisticated DeFi users and institutions looking for predictable, customizable loans on-chain. V2 unlocks the potential of on-chain lending by introducing an open market where users are the ones to decide if a loan should be issued, not the protocol,” Frambot said.

“這種精確度和靈活性是為需要提供可預測的可定制貸款在鏈上提供可預測的可自定義貸款的精緻的Defi用戶和機構所需的，V2通過引入公開市場來解鎖鏈貸款的潛力，在該市場中，用戶是決定是否應發行貸款，而不是協議，” Frambot說。

The upgrade also goes further with compliance, including enhanced know-your-customer (KYC) and whitelisting, but without altering the platform’s open source, permissionless, and non-custodial attributes, the release said.

該新聞稿稱，升級還具有進一步的合規性，包括增強的知識客戶（KYC）和白名單，但沒有改變平台的開源，無許可和非監測屬性。

Morpho V2 will be rolled out in the coming weeks, a representative for the firm said in an email.

該公司的一位代表在一封電子郵件中說，Morpho V2將在未來幾週內推出。