浅析BNB Chain稳定币及DeFi发展潜力

Odaily星球日报Published on 2024-10-18Last updated on 2024-10-18

Abstract

稳定币与DeFi生态双双稳步发展,BNB Chain离引入下一个十亿Web3用户的目标又近了一步。

原创 | Odaily星球日报(@OdailyChina

作者|Golem(@web3_golem

浅析BNB Chain稳定币及DeFi发展潜力

DeFi 和稳定币一直被视为 BNBChain 生态系统长期增长的两大支柱,DeFi 用于构建链上经济,而稳定币则致力于大规模应用并吸引下一个十亿 Web3 用户。

本文将从近期 BNB Chain 在稳定币免 Gas 转账和 TVL 激励计划取得的成果出发,剖析 BNB Chain 这些活动背后的战略措施,以及 BNB Chain 的 DeFi 生态所蕴含的强大发展潜力。

取得的成果

BNB Chain 近期在稳定币和 DeFi 领域进行了免 Gas 转账活动和 TVL 激励计划,活动期间用户可免费将稳定币从 CEX 或其他链转移至 BNB Chain 或者 opBNB。同时为了增强稳定币在其网络上的留存,还举行了 TVL 激励计划,加速 DeFi 生态在 BNB Chain 上的增长。

活动也取得了不错的成绩:

根据 DefiLlama 数据,截止 10 月 18 日,BBNB Chain 稳定币市值为 54.89 亿美元,相比于稳定币免 Gas 转账活动(9 月 19 日)开始前的市值(49.98 亿美元),增长了 4.91 亿美元。

同时,在 TVL 激励计划开始迄今(9 月 12 日至今),BNB Chain 的 TVL 由 44.08 亿美元增长至 47.14 亿美元,TVL 累计增长超 3 亿美元,并仍在上升趋势中。

浅析BNB Chain稳定币及DeFi发展潜力

TVL 激励计划也为 DeFi 生态内应用吸引来不少增量资金。根据官方更新的排行榜,截止 10 月 11 日,TVL 挑战计划为生态吸引的增量稳定币超 190.4 万美元。

浅析BNB Chain稳定币及DeFi发展潜力

BNBChain 在 DeFi 生态中的战略措施

任何活动都是暂时和充满变化的,读懂多个活动背后蕴含的战略意图才是有价值的。那么,在以上这些活动背后能够看出 BNBChain 什么战略意图呢?答案是对大力建设 DeFi 的重视。

要了解 BNBChain 如何建设 DeFi 生态,还要先看目前整个行业的环境。

根据 DefiLlama 数据,目前 BNB Chain 生态 TVL 全网排名第四,而排名前三分别是以太坊、波场 Tron 和 Solana;但从稳定币的市值角度,BNB Chain 链稳定币市值全网排名第三,排名前两名分别是以太坊和波场 Tron。

浅析BNB Chain稳定币及DeFi发展潜力

从以上数据可看出,BNB Chain 在整个行业中虽然也名列前茅,但与以太坊和波场 Tron 仍有一些差距。

以太坊作为 DeFi 的起源生发地,稳居 TVL 第一并不奇怪,但 Tron 为何能超越 Solana 和 BNB Chain 坐上龙二的位置呢?实际上这就与其早期在稳定币转账方面优异的性能有关。

某种意义上来说,稳定币也是区块链的“杀手级应用”之一。Tron 凭借比以太坊更低的稳定币转账手续费(一度交易所提币费低于 1 USDT)、更快的出块时间等优势,慢慢成长为一条支付公链,稳定币转账交易占链上活动 90% 以上,同时也积累了大量用户。基于稳定币的独特优势,后续波场 TRON 的 DeFi 生态系统也才展现出了丰富多彩的面貌。

BNB Chain 在建设 DeFi 生态的策略也与其有些相似,先激励用户将稳定币从链下交易所和其他链转移到 BNB Chain 生态中,目的是从资金端吸引用户将稳定币从交易所和其他链转移到 BNB Chain,为链上 DeFi 生态的发展奠定提供资金基础。

而当用户将稳定币转移至 BNB Chain 后,再通过奖励的方式激励生态内 DeFi 应用的发展,优质强大的应用及丰厚的奖励不仅能够吸引新资金的留存,同时也是长期吸引链上用户的关键点。

DeFi 不止是链上留存

各大公链的比拼早已不止停留在交易速度、吞吐能力上同时还聚焦在生态建设、差异化等方面,甚至在用户竞争角逐中,差异化、丰富独特的生态才是真正的公链“护城河”。

目前主流公链们都有自己的强项,因发展历史久、用户和开发者数量最多,以太坊是生态最丰富完善的智能合约链;波场 Tron 因低费用稳定币转账崛起,成为“支付公链”;独特且繁荣的 Meme 生态和 DEPIN 生态使 Solana 与众不同;TON 链与 Telegram 深度绑定,通过小程序应用不断发展壮大......

而对 BNB Chain 来说,一直将 DeFi 作为生态发展的基石。建设 DeFi 并不止于链上留存,虽然在活动策略上与波场 Tron 有相似之处,但 BNB Chain 的志向不是发展成另一条“支付公链”,而是以 DeFi 为基建立一个强大的生态系统,除了与 CeFi 及其他链联动吸引稳定币外,还包括了与链上收益(Stacking)、稳定币链下支付方面的结合。

浅析BNB Chain稳定币及DeFi发展潜力

  • 链上超额收益

在链上收益方面,用户可在 Venus 和 PancakeSwap 等平台上质押稳定币,这些平台为用户提供了比 Solana 更有吸引力的回报。如下图所示,在 BNB Chain 生态中的 Kinza 质押 USDT 的年化达 14.7% ,远高于以太坊和 Solana(数据截至 10/17)。

浅析BNB Chain稳定币及DeFi发展潜力

同时,与当地国家法币相比,选择持有稳定币也是不错的资产保值和理财选择。如从去年 12 月到今年 9 月,阿根廷的通货膨胀率高达 153% ,而各种非官方美元汇率的涨幅却不到 20% ,美元汇率已经跌破 1200 比索,在 900 至 1050 比索之间找支撑。

与之相似的还有土耳其,土耳其通货膨胀率已经达到 80% 以上,法定货币里拉兑美元汇率触及 18.41 里拉的历史低点,汇率今年迄今已下跌近 30% ,过去三年累计下跌约 70% 。

总之对于一些经济基础不牢、通货膨胀严重的国家来讲,国民不如在链上持有稳定币赚取相对更稳定和保值的收益。

  • 集成稳定币链下支付

在链下支付方面,BNB Chain 也与Alchemy PayOobitLunuMugglePayNow PaymentDepayXionPortal PaySlash Vision等支付网关合作,使用户能够能够在现实生活中使用稳定币进行购物,打破了去中心化金融的链上界限,在传统支付方式之外为用户提供一种新的支付代替方案。

除此之外,BNB Chain 也在探索稳定币支付与 AI Agent 的结合,试想未来伴随 AI 技术的成熟,AI Agent 可以在如生活管理,智能决策等更多方面帮助人类,而区块链技术和稳定币支付可以帮助 AI 实现更复杂的支付场景和自动化交易,实现真正的智能经济。

综上,BNB Chain 在硬件上凭借低廉的 Gas 费和较高的 TPS,生态上凭借较高的用户日活和成熟、链上链下并举发展的 DeFi 系统,在多链竞争中保持着差异化与独特优势。

总结

BNB Chain 的使命和愿景是吸引下一个 10 亿用户进入web3。不管是增加稳定币链上链下的采用还是提供更多具有吸引力的 DeFi 收益策略,都在向着 BNB Chain 这个初心和使命靠近。

而作为用户来讲,与 BNB Chain 生态站在一起,积极参与早期活动并融入到 BNB Chain 发展进程中,相信也会获得丰厚的生态回报。

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4.1k Total ViewsPublished 2025.03.26Updated 2025.03.26

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Welcome to the HTX Community. Here, you can stay informed about the latest platform developments and gain access to professional market insights. Users' opinions on the price of BNB (BNB) are presented below.

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