一位新房主通过一项计划在德克萨斯州奥斯汀购买了一套公寓，该计划允许加密货币持有人根据他们的信用评分获得传统的无抵押抵押贷款。
USDC.homes 加密抵押贷款平台向一位奥斯汀居民发放了第一笔加密贷款，该居民购买了一套价值 680,000 美元的公寓，并以 USD Coin 发行了 500,000 美元的贷款（美国中央银行 ) Polygon 网络上的稳定币。
这个新平台结合了传统借贷市场的做法，例如利用借款人的信用评分来确定资格，以及新的去中心化金融 (DeFi) 创新，例如加密货币质押，以帮助还清余额。
今天，我们很高兴首次亮相https://t.co/26BgeWPd0Z 并宣布加密货币抵押贷款到达德克萨斯州！
-出纳员（@useteller）2022 年 4 月 26 日
阅读更多https://t.co/I3wcbfZXRY
该平台的贷款以美元发行，但借款人可以用以太币支付（以太币 ), 比特币 (比特币 ) 或 USDC。它是使用 Teller 借贷协议构建的，并由发行无抵押加密货币贷款的 TrueFi 项目提供支持。 USDC.homes 可以以 5.5% 的利率发行高达 500 万美元的 30 年期抵押贷款，需要支付 20% 的首付。
每个借款人的首付都是抵押的，而不是出售的，并且随着时间的推移会产生利息，这些利息可以用来帮助房主还清贷款。根据 Teller 在星期三 的博客文章，传统的需要清算 一个人用法定货币获得贷款的加密资产使美国借款人“面临税收、费用和失去地位的损害”。
现实世界的贷款发行正在成为加密行业中更常见的用例。 LoanSnap 平台预计今年将向持牌抵押贷款经纪人开放服务，根据 到 Housing Wire 周二的报道。
通过使用人工智能 (AI) 贷款发放系统，首席执行官 Karl Jacob 告诉 Housing Wire，LoanSnap 已经发行了“数十亿美元”的传统抵押贷款。通过与 DeFi 贷方 Bacon Protocol 合作，他的公司的服务还扩展到加密领域，将抵押贷款价值与不可替代的代币 (NFT)
培根协议已发行 NFT 抵押 根据 Investopedia 的数据，自去年 11 月以来，贷款利率高达 3.1%，远低于传统 30 年期抵押贷款的 5.55%。
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