作者pshadow1 (pshadow)
看板DigiCurrency
標題[閒聊] 轉文：Critical review of crypto lendi
時間Sun Aug 16 03:40:36 2020
Critical review of crypto lending platforms
https://bit.ly/3g0s4hN
內文長，寫得很好，這邊轉一部分的結論。加號是好處減號是壞處。
NEXO summary:
+ Decent yield (also on fiat currencies)
利率不錯
+ Credissimo is a legit lender, ensuring NEXO will always have customers
Credissimo 是合法的借貸公司，Nexo會一直有這個客戶
+ NEXO tokens are eligible to collect dividends when used as loan collateral
NEXO代幣就算拿去抵押也可以拿股利
- Web of jurisdictions and shell companies
建立在空殼公司上
- Lack of clarity regarding NEXO earnings/dividends
對NEXO收益與股利不透明
- Lack of clarity in the NEXO token yield arbitrage
NEXO代幣利率不透明
- Who are the borrowers?
有哪些借款人？
Celsius Network summary:
+ Decent yield
利率不錯
+ Exotic loan collateral choices
借貸資產選擇多
+ Registered with SEC
在美國證交會註冊
+ Withdrawal policy
提款政策不錯
- Who are the borrowers?
有哪些借款人？
- Only accessible through a mobile app
只能從手機App上用
- Weak explanation of high yield
對高利率解釋不足
BlockFi Summary:
+ Winklewoss twins will frown disapprovingly at anyone who attempts to steal
BlockFi funds
Winklewoss雙胞胎不會隨便亂弄資產
+ Decent yield
利率不錯
+ No historical red flags (read: no useless ICO)
沒有亂ICO過
- Interest rates are decided by reading tea leaves
利息不知道怎麼定出來的
- Stablecoin collateral is limited to GUSD and directly linked to Gemini (in
creasing systemic risk)
穩定幣只能用GUSD (現在選擇很多了，這是舊文章)
- 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
若公司只拿內部資金提供流動性，客戶存款蠻安全的
+ Flexible lock-up periods for lending
鎖倉長短有彈性
- Unclear legal structure
法律結構不清楚
- History of token pumps and dumps (hence the rebranding)
以前有用Token割韭菜過
- Funds accessible only through a smartphone app
只能用手機App
- Lack of focus — many products at once (credit card, lending, crypto excha
nge, quant trading)
太多產品缺乏專注
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※ 發信站: 批踢踢實業坊(ptt.cc), 來自: 173.58.193.50 (美國)
※ 文章網址: https://webptt.com/m.aspx?n=bbs/DigiCurrency/M.1597520438.A.AAF.html
1F：→ ECZEMA: ...................................................... 08/16 10:47
2F：噓 leechiungyi: 基本心得翻譯很難？住美國忘記中文？ 08/16 14:42
3F：→ DarkerDuck: 不滿三十個中文字，請補滿 08/16 14:49
手機發文，現在補翻譯，這篇文章蠻多「拍手」的，想先分享
※ 編輯: pshadow1 (47.145.196.55 美國), 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: 感謝翻譯 08/16 17:18
7F：推 leechiungyi: 補推 08/16 17:19
8F：→ pshadow1: 這文章有點舊了，我剛看Nexo有在歐洲註冊為金融機構 08/16 17:19
9F：→ wtl: Bitfinex放貸也不錯 BTC一天也有18美的利息 08/18 21:46