Notes
最近都在疯狂嘴撸，昨晚躺床上去看了看 RWA 赛道，注意到 Credefi @CredefiOfficial 这个项目好像有点意思 。
简单看了下， 它没有过多依赖概念包装，实实在在解决中小企业融资难的问题。就是个连接加密货币贷款人和欧洲中小企业的平台，模式什么的都挺务实的，可以一起来看看！
一、它在解决什么「真问题」？
欧洲九成企业都是中小企业，其中三分之一常年面临资金周转压力。传统银行觉得小额资金支持的风控成本高，积极性不高；DeFi 平台停留在链上，和现实中的企业资源对接存在壁垒。
Credefi 就瞄准了这个中间地带：让手里有加密货币的人，把资金对接给现实里的中小企业获取稳定收益；同时让难以从传统渠道获得资金支持的企业，用房产、应收账款等资产做抵押，通过合规路径获得资金融通。
二、靠啥打通传统金融和加密货币，有哪些合作伙伴？
区块链当底子，风控还是老办法实在
平台用区块链记录借贷流程，每笔账都能查得明明白白，但评估风险没搞虚头巴脑的 —— 直接接入全球三大征信机构之一的 Experian，把传统银行看信用分那套经验，和链上数据搁一块儿用。比如有人拿房子抵押借钱，既上链确权（防止扯皮），又按传统流程评估房价，两边的好处都没落下。
先把合规搞定，参与门槛直接拉低
支持 IBAN、SEPA 这些传统转账工具，法币进出就跟平时手机转账一样方便，还自动符合欧盟的 MiCA 监管规定。对想出钱的人来说，不用操心复杂的合规手续；对想借钱的企业来说，不用懂区块链是啥，按传统贷款流程申请就行，跟平时找银行差不多，这才叫真正的 “无缝衔接”。
代币设计不玩套路，就围绕实际用途
$CREDI ：想出钱放贷的人，用它能少交保证金（最多少 33%），变相提高收益；借钱的企业用它付手续费能打折（最多 33%）。还能把币押到安全模块里，相当于给贷款买份 “保险”，万一借钱的还不上，这部分币先赔给出钱的人，多一层保障。
$xCREDI ：把币押进去能参与平台决策，比如决定资金优先借给哪类企业，而且平台收入的 10% 会定期回购销毁 xCREDI，币越来越少，长期拿着说不定能吃到平台成长的红利。
合作伙伴如图：
三、适合哪些人关注？
稳健型投资者：
要是你玩加密货币玩腻了，受不了价格暴涨暴跌，Credefi 这地儿挺合适 —— 收益来自真实企业的运营（比如企业正常经营赚了钱来付息），不受币价涨跌影响。而且把币押进去还能多赚点利息（年化收益能额外提升 0.5%-2%），适合拿来分散投资，别把钱全砸在高波动的币上。
中小企业主（尤其是欧盟地区的）：
要是你难从银行拿到资金，又不想被高息贷款坑，不妨试试用手头的资产（像房产、客户欠的货款这些）抵押借钱。流程比银行快，门槛也低，不用懂复杂的区块链，跟传统贷款差不多，但更容易拿到资金周转。
四、还有哪些地方值得留意？
现在平台能抵押的资产类型还比较少（主要就是房产和客户欠的货款），以后能不能增加供应链金融、绿色能源项目这些更复杂的资产类别，直接关系到平台能做多大。另外，合规虽然是优势，但也得按监管规定来，比如能放出多少资金、服务范围限制在哪些地区，这些细节还得看实际执行时怎么落地。
其实总结一下就是，实实在在做事比喊口号强，在 RWA 这一块儿，Credefi 没硬要搞 “完全去中心化” 那套虚的，而是踏踏实实做 “中间人”—— 用区块链解决信任和效率的问题，用传统金融工具搞定合规和门槛的事儿。这种 “两边都沾点” 的模式虽然不激进，但更实在，贴合现实需求。
要是你想找个 “真能落地的 RWA 项目”，不妨关注一下它。毕竟，让加密货币的资金实实在在流入实体经济，这事本身就挺有意义。
更多信息可以查看官网：https://t.co/Q6ltJKgLWL
#RWA $CREDI $xCREDI #CREDEFI
➜ I’m keeping @credefi_finance in my portfolio.
🔸 As I said yesterday the price is prime to take off. Their IBAN service will be used in all of Europe
#Credefi $CREDI #RWA
Website:
➜ Credefi is currently sitting at a $10 million market cap with huge upside potential!
🔸 Now trading on multiple exchanges and lots of updates on the way. $CREDI is one to watch! 📈 #Credefi $CREDI #RWA
@credefi_finance
Website:
🔸 The chart is on the move, and it's heating up fast I’m expecting even bigger waves in the days and weeks ahead.
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Website: https://t.co/zoq6FrQaGy
#Credefi $CREDI #RWA
🔸 Check out $CREDI | @credefi_finance
Altcoins market cap broke out and retested...ready to fly
🔸 Weekly macd turned green; rsi heading up; credi movements usually more aggressive so expect strong upside movement once it gets going; 10x target at least etc. As i said not an expert 🙏🏼
#Credefi $CREDI #RWA
Website: https://t.co/zoq6FrPCR0
Credefi's Bank Transfers Feature is Almos Here!
➜ @credefi_finance is launching Bank Transfers, making it easier to move funds on their platform.
$CREDI and $xCREDI tokens will be key, offering reduced or even waived fees.
These tokens provide tangible benefits, demonstrating Credefi's commitment to building a useful ecosystem.
Their focus on compliance sets them apart, ensuring a secure and reliable service.
Key takeaways:
• Real-world utility: The Bank Transfers feature shows Credefi is serious about giving their tokens practical use.
• Potential for growth: With Bank Transfers and a strong focus on compliance, Credefi is taking steps to establish itself in the market.
Credefi aims to make financial products accessible. With the upcoming Bank Transfers feature, they are moving closer to that goal.
Get in early and position yourself for potential growth!
Another bright future RWA token shining through: @credefi_finance.
$CREDI has been on my radar for a while, and the recent technicals are really catching my eye.
And that’s not just my opinion. Check the spike in the attacched chart over the last 24 hours. Really impressive!
This one have serious potential to outperform many tokens in the growing sector of #RWA.
Bullish on $CREDI? There are interesting news... 🗞
$CREDI's chart is painting a bullish picture with a recent surge in trading volume. This could indicate a strong upward momentum building.
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Bullish on $CREDI? There are interesting news... 🗞
$CREDI's chart is painting a bullish picture with a recent surge in trading volume. This could indicate a strong upward momentum building.
Seize this opportunity and amplify your gains with the @credefi_finance's LP Staking
Bullish on $CREDI? There are interesting news... 🗞
$CREDI's chart is painting a bullish picture with a recent surge in trading volume. This could indicate a strong upward momentum building.
Seize this opportunity and amplify your gains with the @credefi_finance's LP Staking
Bullish on $CREDI? There are interesting news... 🗞
$CREDI's chart is painting a bullish picture with a recent surge in trading volume. This could indicate a strong upward momentum building.
Seize this opportunity and amplify your gains with the @credefi_finance's LP Staking
Bullish on $CREDI? There are interesting news... 🗞
$CREDI's chart is painting a bullish picture with a recent surge in trading volume. This could indicate a strong upward momentum building.
Seize this opportunity and amplify your gains with the @credefi_finance's LP Staking program goes live in 24 hours!
Pair your xCREDI with USDT on Credefi Finance V2 (BSC) and stake for 180 days.
The early birds get an extra 10% USDT cashback on the first $200,000 TVL after 90 days.
Don't miss out on maximizing your returns! 👇
✰ $CREDI defies bear market: +20% in June/July!
The native token of @credefi_finance, $CREDI, surged 20%, fueled by new utilities like profit-sharing from real-world asset-backed loans to European SMEs.
Also the project, gained exposure to secure EU business investments with
✰ $CREDI defies bear market: +20% in June/July!
The native token of @credefi_finance, $CREDI, surged 20%, fueled by new utilities like profit-sharing from real-world asset-backed loans to European SMEs.
Also the project, gained exposure to secure EU business investments with
✰ $CREDI defies bear market: +20% in June/July!
The native token of @credefi_finance, $CREDI, surged 20%, fueled by new utilities like profit-sharing from real-world asset-backed loans to European SMEs.
Also the project, gained exposure to secure EU business investments with $CREDI and integrated with XRPL.
Recently listed on Gate and BingX, $CREDI offers a promising opportunity for your portfolio.
Don't miss this early gem! Check out $CREDI on BingX: https://t.co/x4Vd3fEILF
