作者pshadow1 (pshadow)
看板DigiCurrency
标题[闲聊] 转文：Critical review of crypto lendi
时间Sun Aug 16 03:40:36 2020
Critical review of crypto lending platforms
https://bit.ly/3g0s4hN
内文长，写得很好，这边转一部分的结论。加号是好处减号是坏处。
NEXO summary:
+ Decent yield (also on fiat currencies)
利率不错
+ Credissimo is a legit lender, ensuring NEXO will always have customers
Credissimo 是合法的借贷公司，Nexo会一直有这个客户
+ NEXO tokens are eligible to collect dividends when used as loan collateral
NEXO代币就算拿去抵押也可以拿股利
- Web of jurisdictions and shell companies
建立在空壳公司上
- Lack of clarity regarding NEXO earnings/dividends
对NEXO收益与股利不透明
- Lack of clarity in the NEXO token yield arbitrage
NEXO代币利率不透明
- Who are the borrowers?
有哪些借款人？
Celsius Network summary:
+ Decent yield
利率不错
+ Exotic loan collateral choices
借贷资产选择多
+ Registered with SEC
在美国证交会注册
+ Withdrawal policy
提款政策不错
- Who are the borrowers?
有哪些借款人？
- Only accessible through a mobile app
只能从手机App上用
- Weak explanation of high yield
对高利率解释不足
BlockFi Summary:
+ Winklewoss twins will frown disapprovingly at anyone who attempts to steal
BlockFi funds
Winklewoss双胞胎不会随便乱弄资产
+ Decent yield
利率不错
+ No historical red flags (read: no useless ICO)
没有乱ICO过
- Interest rates are decided by reading tea leaves
利息不知道怎麽定出来的
- Stablecoin collateral is limited to GUSD and directly linked to Gemini (in
creasing systemic risk)
稳定币只能用GUSD (现在选择很多了，这是旧文章)
- Who are the borrowers?
有哪些人借款？
Crypto.com Summary:
+ If the company uses only their internal funds for liquidity purposes, it i
mplies good deposit security for users
若公司只拿内部资金提供流动性，客户存款蛮安全的
+ Flexible lock-up periods for lending
锁仓长短有弹性
- Unclear legal structure
法律结构不清楚
- History of token pumps and dumps (hence the rebranding)
以前有用Token割韭菜过
- Funds accessible only through a smartphone app
只能用手机App
- Lack of focus — many products at once (credit card, lending, crypto excha
nge, quant trading)
太多产品缺乏专注
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※ 发信站: 批踢踢实业坊(ptt.cc), 来自: 173.58.193.50 (美国)
※ 文章网址: https://webptt.com/cn.aspx?n=bbs/DigiCurrency/M.1597520438.A.AAF.html
1F：→ ECZEMA: ...................................................... 08/16 10:47
2F：嘘 leechiungyi: 基本心得翻译很难？住美国忘记中文？ 08/16 14:42
3F：→ DarkerDuck: 不满三十个中文字，请补满 08/16 14:49
手机发文，现在补翻译，这篇文章蛮多「拍手」的，想先分享
※ 编辑: pshadow1 (47.145.196.55 美国), 08/16/2020 15:22:29
4F：推 DarkerDuck: OK 08/16 16:45
5F：推 EthereumPTT: 推分享 08/16 17:07
6F：推 Q8i: 感谢翻译 08/16 17:18
7F：推 leechiungyi: 补推 08/16 17:19
8F：→ pshadow1: 这文章有点旧了，我刚看Nexo有在欧洲注册为金融机构 08/16 17:19
9F：→ wtl: Bitfinex放贷也不错 BTC一天也有18美的利息 08/18 21:46