Протокол EtherFi запускает некостодиальный Defibank

cryptonews.ruPublicado em 2025-04-25Última atualização em 2025-04-25

Один из крупнейших DeFi-проектов, EtherFi, представил новую платформу под названием Defibank. Это децентрализованная альтернатива традиционным банкам, которая, по словам команды, станет первой в своём роде.

Пользователям предложат набор инструментов для ежедневных финансовых операций внутри экосистемы EtherFi. Всё это работает без участия кастодиальных сервисов и посредников.

Разработчики рассказали, что хотят совместить привычный банковский интерфейс с плюсами DeFi. В первую очередь речь идёт о более низких комиссиях и повышенной доходности.

В набор функций входят три ключевых продукта: Stake, Cash и Liquid. Через Stake можно размещать активы вроде eBTC, eUSD и weETH и получать доход. Liquid предлагает участие в стратегиях с переменной доходностью, а Cash это криптовалютная карта с кэшбэком от 2% до 3%.

Также Defibank позволяет вводить и выводить фиат напрямую. Это избавляет от необходимости пользоваться централизованными биржами и даёт возможность быстро отправлять средства на обычные банковские счета.

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На сегодня EtherFi занимает пятое место среди всех DeFi-протоколов по объёму заблокированной ликвидности. Общий TVL составляет $5,24 миллиарда. В декабре, на фоне роста ETH и BTC, показатель достиг $11 миллиардов.

Динамика TVL в EtherFi за последний год. Источник: DappRadar

Летом 2024 года проект провёл второй сезон аирдропа. Токен ETHFI сейчас торгуется на уровне около $0,60, а капитализация достигла $138 миллионов. За последнюю неделю актив вырос более чем на 40%.

Сооснователь и CEO EtherFi Майк Силагадзе в интервью рассказал, что в долгосрочной перспективе команда хочет создать полноценную финансовую экосистему:

«Идея в том, чтобы люди могли получать зарплату в криптовалюте, сохранять её в EtherFi, распоряжаться средствами и тратить их. То есть оплачивать ипотеку, машину, коммуналку и так далее».

Кроме продукта Cash команда также готовит запуск корпоративной карты с открытой регистрацией. Это первый шаг EtherFi в сторону бизнес-финансов.

«Наша корпоративная карта позволяет криптокомпаниям подключаться к системе, выпускать карты для сотрудников и использовать их для учёта трат и интеграции с бухгалтерией», — пояснил Силагадзе.

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