加密贷款，虹膜扫描和无抵押贷款：新的边界？

探索无抵押加密贷款的复兴，其中包含Iris扫描借款人验证及其对全球金融的影响。

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

加密贷款，虹膜扫描和无抵押贷款：新的边界？

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.

加密贷款的世界正在发展，引人入胜的趋势正在出现：通过虹膜扫描验证的无抵押贷款。让我们深入研究这种创新的方法，看看它对财务的未来意味着什么。

Eyeing a New Lending Landscape

关注新的贷款景观

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.

总部位于旧金山的Divine Research通过使用IRIS扫描而不是传统ID来向全球借款人发出无抵押贷款，从而引起了海浪。这种方法是利用世界ID（由WorldCoin开发的），旨在吸引服务不足的人，特别是在发展中经常努力获得传统信誉的人。

Microfinance on Steroids?

小额信贷在类固醇上？

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月以来，Divine Research已发行了约30,000个短期贷款。贷款通常不到1,000美元，在USDC中支付。根据Divine创始人Diego Estevez的说法，该倡议针对教师和供应商等日常个人，为他们提供了急需的信贷。正如Estevez所说，它是“类固醇上的小额信贷”。

The Iris Scan Advantage

虹膜扫描优势

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.

每个借款人通过世界ID ORB进行虹膜扫描以确认其身份。该系统旨在防止用户在不同的身份下取出多个贷款，从而降低违约风险。虽然首次贷款的违约利率约为40％，但固定利率（20％-30％）和可回收的WorldCoin代币有助于减轻这些损失。

A Second Chance for Unsecured Crypto Lending

无抵押加密贷款的第二次机会

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.

神的兴起与2022年市场崩溃后无抵押加密贷款的复兴相吻合，这导致了塞尔斯和创世记等主要贷方的倒台。尽管这些失败是由于零售资助的平台无法在下跌的价格下降中退还存款，但新参与者谨慎地进入了该领域。由范式支持的3Jane之类的平台正在使用银行或加密资产的证明而不是抵押品来发行以太坊上的不保留USDC贷款。他们甚至向美国的收债员出售违约贷款，并正在开发AI驱动的贷款代理商以自动化债务期限的执行。

The Niche Appeal and Wall Street's Cautious Entry

利基吸引力和华尔街的谨慎入境

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.

尽管仍然是利基市场，但由于投资者的需求不断增长，无抵押贷款仍在引起人们的关注。诸如Coinbase和系绳之类的较大球员仍然主导抵押贷款。华尔街还倾斜了脚趾，像坎托·菲茨杰拉德（Cantor Fitzgerald）这样的公司推出了比特币支持的融资武器。 Divine的独特模型，将生物识别验证与关注小型全球借款人的重点相结合，将其与众不同。

My Take: A Risky But Promising Venture

我的看法：冒险但有前途的冒险

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.

尽管虹膜扫描验证的无抵押加密贷款的想法令人着迷，但并非没有风险。加密货币市场的高默认率和动荡的性质仍然是重大关注的问题。但是，不可否认的是，为服务不足的人口提供财务通道的潜力是不可否认的。如果神圣和类似的平台可以完善其风险管理策略并继续进行创新，那么他们可能会彻底改变小额信贷。本文引用的40％违约利率明显提醒您所涉及的风险，但高利率有助于减轻一些损失。

Looking Ahead

展望未来

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押注眼睛扫描，高利率和渴望产量的存款人可以使无抵押的加密贷款起作用，即使在仍然因其过去仍然困扰的市场中。它会成功吗？只有时间会证明。但是有一件事很清楚：加密贷款的世界永远不会缺乏惊喜。就像是金融过山车 - 搭扣并享受旅程！