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SOL GalaxyOne推出多币种加密资产抵押贷款，支持以比特币、以太坊和Solana为抵押借款
GalaxyOne正在扩展其零售金融平台，推出一款全新的加密资产组合信贷产品。该功能允许投资者在不卖出持仓的情况下，以比特币（Bitcoin）、以太坊（Ethereum）和Solana等数字资产作为抵押品借取现金。该产品允许符合条件的客户将多种加密资产作为整体抵押品使用，而非针对单个代币单独申请贷款。
GalaxyOne董事总经理Zac Prince在接受TheStreet Roundtable的Alp Gasimov采访时指出：“这项产品的核心价值在于，允许用户利用其现货加密资产作为抵押品来借取现金。”Prince表示，该产品旨在为希望保持加密资产敞口同时获取流动性的投资者提供解决方案。
单一信贷额度覆盖多种加密资产
GalaxyOne于2025年10月推出了其零售投资应用。该平台目前已提供支票账户、经纪服务、加密货币交易与转账功能，以及面向合格投资者的优质收益产品。Prince将这款新的信贷产品描述为加密领域首款此类多抵押品借贷产品。
According to Prince, customers can have an initial loan-to-value ratio (LTV) of up to 50%, and a variable annual interest rate starting at 8.99%. Through this retail product, loan lines can be up to US$2 million. For example, investors holding $100,000 in qualified crypto assets as collateral can borrow up to $50,000.
In addition, the product also allows users to earn pledge rewards while using Solana as collateral, and future plans will also support Ethereum pledge. Prince reminds borrowers to pay close attention to liquidation risks. Due to the high volatility of the cryptocurrency market, there is a risk of liquidation for loans backed by digital assets. Prince said GalaxyOne may sell collateral when the borrower's loan-to-value ratio reaches 75%.
"The best thing to do is to treat lending conservatively," Prince said. He added that customers do not need to borrow up to the full amount of their available quotas and can keep other assets on GalaxyOne to quickly invoke them in the event of sharp fluctuations in the crypto market. Prince also mentioned that GalaxyOne has established corresponding risk control measures designed to prevent liquidations caused by brief price shocks or isolated price fluctuations in a single trading venue.
Benchmarks the risk of DeFi lending and emphasizes the non-remortgage mechanism
Prince positions this product as an alternative to decentralized finance (DeFi) lending. DeFi allows users to access financial services through blockchain-based applications rather than relying on traditional financial institutions. Prince pointed out that some DeFi protocols have been affected by hacking, liquidity issues and rapidly changing borrowing costs.
他强调另一个关键区别在于：GalaxyOne不会对客户抵押品进行再抵押（rehypothecation），即 pledged 资产不会被再次借出。“我认为这是最重要的一点：抵押品不会发生再抵押，”Prince说。他将这一模式与2022年崩溃的加密借贷平台进行了对比。“它们并非放贷机构，我们的资产只是安全地托管在我们这里，”Prince表示。
Prince指出，GalaxyOne的最终目标是为客户提供涵盖资产负债表两侧的完整工具。未来，公司计划推出针对其他资产类别的类似借贷产品，包括证券账户在内的更多功能也在规划之中。
