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