以太坊的去中心化金融协议 MakerDAO建议的 将一家美国银行与其平台 Huntingdon Valley Bank (HVB) 连接起来的历史性投票。社区已批准该提案，金融实体将能够获得 1 亿美元的初始债务上限。
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具有金融机构的新 MakerDAO Vault Type 以 87% 的票数获得批准。这构成了超过 117,000 个 MKR 代币，而用于反对该提案的是 4,200 个。其中，倡议者解释 :
总部位于宾夕法尼亚州的社区银行 Huntingdon Valley Bank 正在寻求 1 亿 DAI 债务上限参与机制，以支持现有业务的增长和发展新业务。 HVB 和 RWA Master Participation Trust（为 Maker 的利益而设立）不会有借贷关系。
下一步，这家美国银行将能够以稳定币 DAI 的形式获得流动性，以换取 HVB 的“出售基础整体贷款的参与权益”。该金融机构专注于创建固定和浮动住宅和商业抵押贷款。
这种伙伴关系将使银行能够提交 MakerDAO 可以通过 RWA Master Participation Trust 参与的潜在需求。因此，DeFi 协议可以在这个过程中获得利益和现实世界的参与。
投票和与亨廷顿谷银行的合作具有历史意义，因为这是第一个通过美国金融机构为贷款提供资金的 DeFi 协议。 Maker 通过其 Twitter 句柄澄清：
当 HVB 提议贷款参与时，计算代理 Ankura Trust 将确保提议的贷款参与有资格获得资金。如果参与符合要求，信托将通过执行参与证书以换取现金（……）获得（最多）50% 的基础贷款权益。
提案中指出了一些风险，但支持者认为 HVB 将有足够的参与度来减轻这些风险。该提案称，该金融机构与美国监管机构关系良好，并以“保守”的商业模式运作。
在这种特殊情况下，收益大于潜在风险。 MakerDAO 投票似乎反映了这种看法。
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与传统金融机构的合作可以为未来的创新和 MakerDAO 的扩展铺平道路。 DeFi 协议及其社区将能够访问现实世界的资产，并有可能为 HVB 创建一个流动资金池。此外：
机会是批发贷款、规模、对齐、共生和交钥匙解决方案（……）来。这笔交易将代表受监管的美国银行与 DeFi 之间的首次大规模合作。
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