无许可的加密货币贷款协议Morpho Morpho揭幕了V2更新，并具有市场驱动的固定利率贷款

Morpho是一种无许可的加密货币贷款协议，宣布了一项更新，旨在进一步将分散融资（DEFI）与传统贷款保持一致

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.

加密货币贷款协议Morpho发布了一项更新，该更新以定制，可预测的贷款条款的方式更多，试图进一步使分散的财务（DEFI）与传统贷款保持一致。

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提供以市场驱动的固定利率，具有可自定义条款的固定利率，以前在DEFI中看不见的功能，这是满足希望在链上建立或迁移金融产品的机构和企业的需求所必需的。

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是一种基于区块链的贷款和借贷链链资产的系统，今年将像2021年一样激增，特别是因为机构融资和现实世界资产（RWAS）的参与。

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基础设施需要超越某些链上的限制，例如依赖过度侧面化和计算速率的固定公式，以便扩展到机构级别的潜力。

“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.

根据新闻稿，虽然Morpho以前的Morpho限制贷款对单外侧类型，但V2支持单一资产，多个资产或整个投资组合作为抵押品，包括RWAS和NICHE资产。

“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.

“这种精确度和灵活性是为需要提供可预测的可定制贷款在链上提供可预测的可自定义贷款的精致的Defi用户和机构所需的，V2通过引入公开市场来解锁链贷款的潜力，在该市场中，用户是决定是否应发行贷款，而不是协议，” Frambot说。

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.

该新闻稿称，升级还具有进一步的合规性，包括增强的知识客户（KYC）和白名单，但没有改变平台的开源，无许可和非监测属性。

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

该公司的一位代表在一封电子邮件中说，Morpho V2将在未来几周内推出。