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 利息不知道怎么定出来的 - 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