Visa称希望为“链上金融”中的借贷业务搭建基础设施

Odaily

10/16

Odaily星球日报讯 Visa 发布题为《稳定币：超越支付——链上借贷机遇》的报告，将去中心化金融重新定义为“链上金融”，旨在在《GENIUS 法案》时代让去中心化信贷听起来与机构更为契合，并阐述了银行和私人信贷基金如何接入这一体系。Visa 设想，机构成为可编程借贷协议的流动性提供者，Visa 则提供数据、合规及基础设施服务。其知名品牌和可靠渠道，有望吸引数万亿美元资本的机构参与。该白皮书显示 Visa 从加密货币实验转向机构基建建设。自 2020 年起，“链上金融”市场已发放超 6700 亿美元稳定币贷款，2025 年年中借贷创新高。这表明稳定币已成自动化信贷市场支柱，能持续运行且即时结算。Visa 在链上金融的战略类似传统金融，不发行代币或直接资助贷款，而是开展无借贷风险的技术业务。（CoinDesk）

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