第一阿布扎比银行和 Libre Capital 联手利用区块链技术彻底改变贷款业

中东最大的银行实体第一阿布扎比银行 (FAB) 将与 Libre Capital 合作，通过区块链技术彻底改变贷款业。

First Abu Dhabi Bank (FAB), the Middle East’s largest banking entity, is set to revolutionize lending with Libre Capital through blockchain technology. A Memorandum of Understanding (MoU) between both firms in the UAE led to this initiative, introducing a lending scheme that utilizes collateralized loans in stablecoin, backed by tokenized real-world assets (RWAs).

中东最大的银行实体阿布扎比第一银行 (FAB) 将通过区块链技术与 Libre Capital 一起彻底改变贷款业。阿联酋两家公司之间的谅解备忘录（MoU）促成了这一举措，引入了一项利用稳定币抵押贷款的贷款计划，并由代币化的现实世界资产（RWA）支持。

Launched earlier this year, Libre Capital has already tokenized around $150 million in assets, including funds from Brevan Howard, Hamilton Lane, and BlackRock. Tokenized assets digitally represent the underlying real investment vehicles, enabling investors to utilize them as collateral in a decentralized, blockchain-based environment.

Libre Capital 于今年早些时候推出，已将约 1.5 亿美元的资产代币化，其中包括来自 Brevan Howard、Hamilton Lane 和 BlackRock 的资金。代币化资产以数字方式代表潜在的真实投资工具，使投资者能够在去中心化、基于区块链的环境中将其用作抵押品。

Part of Libre’s Project HODL, this blockchain-based lending program runs on multiple blockchain networks — Ethereum, Polygon, Solana, and Coinbase’s BASE — to ensure elasticity and accessibility. It aligns with the platform’s digital-first nature by facilitating lending in stablecoins rather than fiat currency.

作为 Libre 项目 HODL 的一部分，这个基于区块链的借贷项目在多个区块链网络（以太坊、Polygon、Solana 和 Coinbase 的 BASE）上运行，以确保弹性和可访问性。它通过促进稳定币而不是法定货币的借贷来符合该平台的数字优先性质。

Highlighting the innovative infrastructure for the program, Libre’s founder and chief executive officer, Dr. Avtar Sehra, said, “This enhances utility because it allows RWAs to act as collateral through an on-chain mechanism.” The initiative is further supported by existing financial institutions such as Brevan Howard’s WebN Group and Nomura’s Laser Digital, adding credibility.

Libre 创始人兼首席执行官 Avtar Sehra 博士强调了该计划的创新基础设施，他表示：“这增强了实用性，因为它允许 RWA 通过链上机制充当抵押品。”该举措得到了 Brevan Howard 旗下的 WebN Group 和野村证券旗下 Laser Digital 等现有金融机构的进一步支持，增加了可信度。

FAB, thus, embodies the rapidly eroding distinction between traditional banking and blockchain innovation. Being one of the world’s largest banks, with an asset base of $335 billion, FAB participation marks the increasing interest in institutional adoption of digital asset-backed lending.

因此，FAB 体现了传统银行业务和区块链创新之间的区别正在迅速消失。作为拥有 3350 亿美元资产基础的全球最大银行之一，FAB 的参与标志着机构采用数字资产支持贷款的兴趣日益浓厚。

Describing the collaboration, Sameh Al Qubaisi, global markets group head at FAB, said that innovation, coupled with regulation, will provide a safe yet transformative lending landscape. The MoU will facilitate the pilot phase as FAB provides credit lines to the approved lenders, while Libre’s tokenized assets will be integrated into its liquidity management framework.

FAB 全球市场集团负责人 Sameh Al Qubaisi 在描述此次合作时表示，创新与监管相结合，将提供一个安全且变革性的贷款环境。该谅解备忘录将促进试点阶段，FAB 向批准的贷方提供信贷额度，而 Libre 的代币化资产将整合到其流动性管理框架中。

Ultimately, this program interweaves traditional finance and blockchain to pave the way for a more inclusive and advanced financial future.

最终，该计划将传统金融和区块链交织在一起，为更具包容性和先进的金融未来铺平道路。