Defi Lending，Fintech和Morpho：一个新时代？

探索Fefi Lending，Fintech和Morpho联合创始人对财务未来的见解的融合。

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

Defi Lending，Fintech和Morpho：一个新时代？

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景观正在发展，而金融科技公司越来越关注分散的替代品。 Morpho联合创始人Merline Egalite阐明了这一转变，强调了Defi提供更多可访问贷款的潜力，费用较小。这是金融的未来吗？

The Fintech Migration to DeFi

金融科技迁移到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.

根据Morpho的联合创始人Merline Egalite的说法，Fintech公司正在唤醒Defi提供的较高利率和卓越的金融产品。大都人预测，全球金融科技公司的很大一部分将在未来三年内迁移到Defi。这种转变是由通过智能合约运行的Defi Lengend协议的效率和可访问性驱动的，从而消除了对众多金融中介机构的需求。

DeFi's Edge: Permissionless and Accessible

Defi的边缘：无许可和可访问

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为全球缺乏传统银行基础设施的个人提供了至关重要的财务寿命。它的无许可性质绕过传统的银行业务限制，提供更大的财务自由。使用传统银行铁路的金融科技公司面临诸如失去许可或API访问的风险，进一步激励了向DEFI的搬迁。

The Rise of DeFi Lending

Defi贷款的兴起

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已经实质性地恢复了，在TVL中达到了667亿美元的新累积高点。尽管AAVE以3,17亿美元的价格占据主导地位，但Morpho持有55亿美元的巨额资金。这种复兴表明，近年来CEFI贷方面临的挑战有很大的反弹。

Beyond Lending: Fumbi's Acquisition of DLTPAY

超越贷款：fumbi的DLTPAY收购

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网络对DLTPAY的采集表明，混合解决方案在金融科技领域的重要性越来越重要。 DLTPAY的非习惯钱包应用程序支持像EUR这样的稳定币，可以使用户更大的控制和灵活性。这一举动反映了将非监测功能集成在受监管框架中的更广泛趋势，从而为用户提供了便利性和控制。

Mutuum Finance: A Rising Star in DeFi

Mutuum Finance：Defi中的后起之秀

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.

尽管诸如Chainlink和Polygon之类的成熟参与者继续蓬勃发展，但Mutuum Finance（MUTM）却是一个值得注意的竞争者。 MUTM的平台允许用户在不出售其加密货币并赚取被动收入的情况下借资金。随着预售筹集了超过410万美元，并计划发布Beta平台的计划，MUTM为早期投资者提供了巨大的潜在回报。

Final Thoughts

最后的想法

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这样的创新者倡导并以Mutuum Finance等新兴星星为推动下的Defi Lending和Fintech的融合正在重塑金融景观。向分散，可访问和用户控制的金融解决方案转变不仅是一种趋势，而且是未来。因此，随着Defi继续破坏旧的后卫，搭扣并为狂野的骑行做好了准备！