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Apakah gadai janji yang disokong oleh kripto dan bagaimana ia berfungsi
(What are crypto backed mortgages and how do they work)
Published: 2023-08-15
1. Topik utama: a. Gambaran keseluruhan gadai janji yang disokong oleh kripto b. Bagaimana gadai janji yang disokong oleh kripto berfungsi c. Faedah dan risiko gadai janji yang disokong kripto
1. Gambaran keseluruhan gadai janji yang disokong oleh kripto: Gadai janji yang disokong oleh kripto adalah produk kewangan yang membolehkan individu menggunakan pegangan mata wang kripto mereka sebagai cagaran untuk meminjam wang. Ini membolehkan pelabur kripto membuka nilai aset digital mereka tanpa perlu menjualnya. Konsep ini bertujuan untuk merapatkan jurang antara pasaran gadai janji tradisional dan sektor cryptocurrency yang berkembang pesat. Dengan memanfaatkan populariti dan nilai mata wang digital yang semakin meningkat, gadai janji yang disokong oleh kripto menawarkan peluang baru dalam industri pinjaman.
2. Bagaimana gadai janji yang disokong oleh kripto berfungsi: Gadai janji yang disokong oleh kripto biasanya melibatkan peminjam yang mendepositkan mata wang kripto mereka sebagai cagaran dengan pemberi pinjaman. Jumlah pinjaman biasanya ditentukan berdasarkan nilai cryptocurrency yang didepositkan. Peminjam membuat pembayaran balik pinjaman secara tetap, dan jika mereka gagal memenuhi syarat pembayaran balik, pemberi pinjaman mempunyai hak untuk membubarkan cagaran. Proses ini mengurangkan beberapa risiko yang berkaitan dengan pemberian pinjaman dalam pasaran mata wang kripto yang sangat tidak menentu. Sesetengah platform juga menawarkan pilihan kepada peminjam untuk mendapatkan faedah ke atas cryptocurrency yang didepositkan mereka semasa ia digunakan sebagai cagaran.
3. Faedah dan risiko gadai janji yang disokong oleh kripto: Salah satu faedah utama gadai janji yang disokong oleh kripto ialah mereka membenarkan individu mengakses kecairan tanpa menjual pegangan mata wang kripto mereka. Ini boleh memberi manfaat terutamanya kepada pelabur jangka panjang yang percaya kepada potensi nilai masa depan aset digital mereka. Di samping itu, gadai janji yang disokong oleh kripto boleh menyediakan individu dengan pilihan pembiayaan alternatif, terutamanya jika mereka mengalami kesukaran mendapatkan pinjaman tradisional kerana skor kredit atau kekurangan aset tradisional. Walau bagaimanapun, adalah penting untuk mempertimbangkan risiko yang terlibat, seperti potensi kerugian besar jika nilai cagaran mata wang kripto turun dengan ketara. Tambahan pula, ketidakpastian peraturan dan kekurangan pilihan yang tersedia secara meluas untuk gadai janji yang disokong oleh kripto juga boleh menimbulkan cabaran bagi peminjam yang berpotensi. Kesimpulannya, gadai janji yang disokong oleh kripto adalah produk kewangan inovatif yang bertujuan untuk merapatkan dunia pinjaman gadai janji tradisional dan cryptocurrency. Mereka memberi peluang kepada individu untuk memanfaatkan aset digital mereka untuk meminjam, di samping memperkenalkan risiko dan ketidakpastian baru. Apabila pasaran untuk gadai janji yang disokong oleh kripto berkembang, adalah penting untuk memantau bagaimana pengawal selia dan pemberi pinjaman menyesuaikan diri dengan trend yang muncul ini.. .
1. Main topics: a. Overview of crypto-backed mortgages b. How crypto-backed mortgages work c. Benefits and risks of crypto-backed mortgages
1. Overview of crypto-backed mortgages: Crypto-backed mortgages are a financial product that allow individuals to use their cryptocurrency holdings as collateral to borrow money. This allows crypto investors to unlock the value of their digital assets without necessarily selling them. The concept aims to bridge the gap between the traditional mortgage market and the rapidly growing cryptocurrency sector. By leveraging the increasing popularity and value of digital currencies,crypto-backed mortgages offer new opportunities in the lending industry.
2. How crypto-backed mortgages work: Crypto-backed mortgages typically involve borrowers depositing their cryptocurrency as collateral with a lender. The loan amount is usually determined based on the value of the cryptocurrency deposited. The borrower makes regular loan repayments,and if they fail to meet the repayment terms,the lender has the right to liquidate the collateral. This process mitigates some of the risks associated with lending in a highly volatile cryptocurrency market. Some platforms also offer options for borrowers to earn interest on their deposited cryptocurrency while it is being used as collateral.
3. Benefits and risks of crypto-backed mortgages: One of the main benefits of crypto-backed mortgages is that they allow individuals to access liquidity without selling their cryptocurrency holdings. This can be particularly advantageous for long-term investors who believe in the potential future value of their digital assets. Additionally,crypto-backed mortgages may provide individuals with an alternative financing option,especially if they have difficulty obtaining traditional loans due to credit scores or lack of traditional assets. However,it's important to consider the risks involved,such as the potential for significant losses if the value of the cryptocurrency collateral drops significantly. Furthermore,regulatory uncertainties and the lack of widely available options for crypto-backed mortgages can also pose challenges for potential borrowers. In conclusion,crypto-backed mortgages are an innovative financial product that aims to bridge the worlds of traditional mortgage lending and cryptocurrency. They provide individuals with the opportunity to leverage their digital assets for borrowing,while also introducing new risks and uncertainties. As the market for crypto-backed mortgages develops,it will be crucial to monitor how regulators and lenders adapt to this emerging trend.
Reference: cointelegraph.com
Syiling yang paling banyak didagangkan
(Kemas kini setiap 1 jam)
| di | daripada | ialah ($US) | perolehan ($) |
|---|---|---|---|
| 1 | ARS |
1,056.00 | 2,491,950,228.70 |
| 2 | BTC |
63,088.16 | 2,038,584,568.39 |
| 3 | ETH |
2,954.84 | 1,079,217,983.52 |
| 4 | PEPE |
<0.01 | 798,805,396.78 |
| 5 | SOL |
149.09 | 626,425,740.03 |
| 6 | DOGE |
0.15 | 362,981,651.17 |
| 7 | WIF |
3.09 | 286,520,763.39 |
| 8 | WLD |
5.55 | 196,968,417.92 |
| 9 | BOME |
0.01 | 192,455,101.31 |
| 10 | RNDR |
11.19 | 160,457,179.49 |
| 11 | XRP |
0.51 | 154,546,985.40 |
| 12 | FLOKI |
<0.01 | 131,329,567.70 |
| 13 | ENA |
0.77 | 130,670,537.65 |
| 14 | RUNE |
5.90 | 119,174,249.96 |
| 15 | BONK |
<0.01 | 104,007,314.49 |
| 16 | NEAR |
7.33 | 103,327,160.51 |
| 17 | AVAX |
32.87 | 67,335,159.17 |
| 18 | AR |
39.18 | 59,225,308.32 |
| 19 | ARKM |
2.44 | 58,633,546.95 |
| 20 | JTO |
4.11 | 50,184,615.36 |
| 21 | ORDI |
36.96 | 49,722,880.84 |
| 22 | ICP |
11.79 | 49,449,599.82 |
| 23 | ADA |
0.44 | 46,657,724.75 |
| 24 | ETHFI |
3.51 | 43,117,919.26 |
| 25 | SUI |
0.98 | 38,445,536.46 |
| 26 | LTC |
80.99 | 36,714,439.67 |
| 27 | MATIC |
0.67 | 36,703,409.09 |
Syiling dengan harga yang meningkat pesat
(Kemas kini setiap 1 minit)
| di | daripada | ialah ($US) | lebih (%) |
|---|---|---|---|
| 1 | PEPE |
<0.01 | +15.80 |
| 2 |  CHR |
0.29 | +9.39 |
| 3 | FLOKI |
<0.01 | +8.44 |
| 4 | DOGE |
0.15 | +6.64 |
| 5 | NEAR |
7.33 | +6.25 |
| 6 | BONK |
<0.01 | +4.23 |
| 7 | WIF |
3.09 | +3.69 |
| 8 |  POLYX |
0.40 | +3.66 |
| 9 |  PEOPLE |
0.03 | +3.56 |
| 10 |  ZEN |
8.45 | +3.30 |
| 11 |  WNXM |
62.93 | +3.30 |
| 12 |  WBTC |
63,066.97 | +2.77 |
| 13 | BTC |
63,088.16 | +2.73 |
| 14 | SOL |
149.09 | +2.65 |
| 15 |  QTUM |
3.58 | +2.55 |
| 16 |  LSK |
1.98 | +2.44 |
| 17 |  BCH |
442.60 | +2.43 |
| 18 |  STX |
2.05 | +2.30 |
| 19 |  PERP |
1.00 | +2.25 |
| 20 |  OM |
0.71 | +2.17 |
| 21 | RNDR |
11.19 | +2.16 |
| 22 |  VANRY |
0.17 | +2.10 |
| 23 | JTO |
4.11 | +2.06 |
| 24 |  MEME |
0.02 | +1.87 |
| 25 |  FLOW |
0.85 | +1.79 |
| 26 |  TLM |
0.02 | +1.77 |
| 27 | ORDI |
36.96 | +1.68 |
| 28 |  BICO |
0.42 | +1.67 |
| 29 |  LRC |
0.25 | +1.53 |
| 30 |  ANKR |
0.04 | +1.43 |
Harga syiling jatuh dengan cepat.
(Kemas kini setiap 1 minit)
| di | daripada | ialah ($US) | kurangkan (%) |
|---|---|---|---|
| 1 |  AUCTION |
14.36 | -15.23 |
| 2 |  SAGA |
2.48 | -13.06 |
| 3 |  RLC |
2.98 | -11.21 |
| 4 |  UMA |
3.89 | -10.88 |
| 5 |  REZ |
0.12 | -10.52 |
| 6 |  QI |
0.02 | -10.20 |
| 7 |  TNSR |
0.84 | -10.13 |
| 8 |  AEVO |
1.08 | -9.38 |
| 9 |  OMNI |
15.92 | -8.72 |
| 10 |  AERGO |
0.13 | -8.71 |
| 11 |  VGX |
0.08 | -8.23 |
| 12 | ENA |
0.77 | -8.13 |
| 13 | AR |
39.18 | -7.87 |
| 14 |  FIS |
0.46 | -7.87 |
| 15 |  RARE |
0.13 | -7.78 |
| 16 |  GMX |
27.89 | -7.68 |
| 17 |  VIC |
0.43 | -7.37 |
| 18 |  PORTAL |
0.78 | -7.17 |
| 19 | W | 0.56 | -6.88 |
| 20 |  PENDLE |
3.96 | -6.86 |
| 21 |  CHZ |
0.12 | -6.84 |
| 22 |  POLS |
0.69 | -6.75 |
| 23 |  BAND |
1.38 | -6.56 |
| 24 |  KMD |
0.38 | -6.37 |
| 25 |  FOR |
0.02 | -6.27 |
| 26 |  SYN |
0.75 | -6.23 |
| 27 |  CTXC |
0.31 | -6.01 |
| 28 |  CLV |
0.07 | -5.75 |
| 29 |  XVG |
<0.01 | -5.65 |
| 30 |  HIVE |
0.32 | -5.63 |
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berita AS yang mempunyai kesan yang besar kepada pasaran
| di | berita | hari | Tarikh | masa |
|---|---|---|---|---|
| 1 | Laporan Indeks Sentimen Perniagaan Kecil (NFIB Small Business Index) | Selasa (Tue) | 14-05-2024 | 18:00 |
| 2 | Indeks Harga Pengeluar Bulan ke Bulanan Bulanan (Core PPI m/m) | Selasa (Tue) | 14-05-2024 | 20:30 |
| 3 | indeks harga pengeluar bulanan (PPI m/m) | Selasa (Tue) | 14-05-2024 | 20:30 |
| 4 | Penyata FED (Masak) Ahli (FOMC Member Cook Speaks) | Selasa (Tue) | 14-05-2024 | 21:10 |
| 5 | Kenyataan Pengerusi FED (Jerome Powell). (Fed Chair Powell Speaks) | Selasa (Tue) | 14-05-2024 | 22:00 |
| 6 | Laporkan kemungkiran pada hutang gadai janji hartanah. (Mortgage Delinquencies) | Selasa (Tue) | 14-05-2024 | 22:00 |
| 7 | Laporan Indeks Harga Pengguna Teras (Core CPI m/m) | Rabu (Wed) | 15-05-2024 | 20:30 |
| 8 | Laporan jualan runcit asas bulanan (Core Retail Sales m/m) | Rabu (Wed) | 15-05-2024 | 20:30 |
| 9 | laporan indeks harga pengguna garis dasar bulanan (CPI m/m) | Rabu (Wed) | 15-05-2024 | 20:30 |
| 10 | Laporan Indeks Harga Pengguna Teras Tahunan (CPI y/y) | Rabu (Wed) | 15-05-2024 | 20:30 |
| 11 | Indeks Pengilangan Negeri New York (Empire State Manufacturing Index) | Rabu (Wed) | 15-05-2024 | 20:30 |
| 12 | Indeks Jualan Runcit Teras dan Indeks Jualan Runcit Bulanan (Retail Sales m/m) | Rabu (Wed) | 15-05-2024 | 20:30 |
| 13 | Laporan Bulanan Gudang Perniagaan (Business Inventories m/m) | Rabu (Wed) | 15-05-2024 | 22:00 |
| 14 | Laporan Indeks Pasaran Perumahan (NAHB Housing Market Index) | Rabu (Wed) | 15-05-2024 | 22:00 |
| 15 | laporan inventori minyak mentah (Crude Oil Inventories) | Rabu (Wed) | 15-05-2024 | 22:30 |
| 16 | Penyata Ahli Fed (Bowman). (FOMC Member Bowman Speaks) | Khamis (Thur) | 16-05-2024 | 03:20 |
| 17 | Pelaburan mengalir ke luar negara dan di luar Amerika Syarikat (TIC Long-Term Purchases) | Khamis (Thur) | 16-05-2024 | 04:00 |
| 18 | Nombor pengangguran AS (Unemployment Claims) | Khamis (Thur) | 16-05-2024 | 20:30 |
| 19 | Laporan permit bangunan rumah (Building Permits) | Khamis (Thur) | 16-05-2024 | 20:30 |
| 20 | Laporan Indeks Pembuatan Rizab Persekutuan Philadelphia (Philly Fed Manufacturing Index) | Khamis (Thur) | 16-05-2024 | 20:30 |
| 21 | Laporan bilangan perumahan mula dibina. (Housing Starts) | Khamis (Thur) | 16-05-2024 | 20:30 |
| 22 | Laporan indeks harga import bulanan (Import Prices m/m) | Khamis (Thur) | 16-05-2024 | 20:30 |
| 23 | laporan pengeluaran perindustrian (Industrial Production m/m) | Khamis (Thur) | 16-05-2024 | 21:15 |
| 24 | kadar penggunaan (Capacity Utilization Rate) | Khamis (Thur) | 16-05-2024 | 21:15 |
| 25 | Penyata Ahli Fed (Barr). (FOMC Member Barr Speaks) | Khamis (Thur) | 16-05-2024 | 22:00 |
| 26 | Laporan rizab gas asli (Natural Gas Storage) | Khamis (Thur) | 16-05-2024 | 22:30 |
| 27 | Penyata Ahli FED (Loretta J. Mester). (FOMC Member Mester Speaks) | Jumaat (Fri) | 17-05-2024 | 00:00 |
| 28 | FOMC Member Bostic Speaks (FOMC Member Bostic Speaks) | Jumaat (Fri) | 17-05-2024 | 03:50 |
| 29 | Laporan Indeks Peneraju Keadaan Ekonomi Bulanan (CB Leading Index m/m) | Jumaat (Fri) | 17-05-2024 | 22:00 |
| 30 | Penyata Ahli FED (Christopher J. Waller). (FOMC Member Waller Speaks) | Jumaat (Fri) | 17-05-2024 | 22:15 |
| 31 | FOMC Member Kugler Speaks (FOMC Member Kugler Speaks) | minggu (Sun) | 19-05-2024 | 05:45 |
