命中数最高的 KOL 在最早期居然喊了 6 个代币。

随着 BTCFi 的发展，比特币将从被动资产变成主动资产；从非生息资产变成生息资产。

金色财经推出《金色Web3.0日报》，为您提供最新、最快的游戏、DeFi、DAO、NFT和元宇宙行业新闻。

Base 最近 1 个月的链上资金流入达到了 8.15 亿美元，在所有链中排名第一，而作为对比，Solana 的资金净流入仅 3.04 亿美元。

在传统金融中，借贷市场提供短期的借贷机会，通常是针对流动性强且风险较低的资产，旨在提供安全且尽可能高的收益。

钱包,DEXX事件启示：如何理解托管钱包风险 金色财经,DEXX 平台遭遇了一场严重的资产被盗危机。

今日晚间推荐阅读：1.那些学习微策略大力购买比特币的公司；2.Solana上的Meme币：饱和式供给和有限流动性；3.PumpFun与Clanker的快速比较：你更看好谁；

美国法院裁定OFAC制裁Tornado Cash智能合约越权，加密世界取得了巨大的胜利，备受打击的加密隐私赛道将重新换发生机。

TON,TON早期核心团队成员讲述：影响TON早期发展的10大关键贡献 金色财经,NEWTON的精神永存，这仅仅是个开始。

sBTC预计将在12月16日主网上线，早期用户怎么参与

홍콩 신보에 따르면 다자간 중앙은행 발행 디지털화폐(CBDC) 프로젝트인 엠브릿지(mBridge) 참여 20개국 중앙은행이 다음 달 무역 결제 테스트를 진행할 예정이다. 국제결제은행(BIS), 중국 인민은행, 태국은행 등이 참여한다.

国际清算银行（BIS）的一项研究发现，DeFi 借款人倾向于采取保守的策略，以避免因自动清算而遭受重大损失，他们通常会留出较大的安全缓冲区。此外，如果用户过去的回报较高，他们倾向于存入更多资金​​。国际清算银行认为，DeFi 借款人行为是衡量代币化风险的关键。（CoinDesk）

코인데스크에 따르면, 국제결제은행(BIS)이 최근 보고서에서 "디파이 설계 및 관리에서 차입자(borrowers)의 행동은 핵심 고려 사항이다. 디파이 차입자들은 자동 청산을 피하기 위해 과도한 레버리지를 사용하지 않으며 보수적으로 접근하는 것으로 파악됐다. 또한 이들은 과거 수익률이 높을수록 더 많은 자금을 예치하는 경향이 있다"고 분석했다. 이번 연구는 2021년 1월부터 2023년 3월까지 진행됐으며, 디파이 대출 시장 내 이용자 행동, 유동성 풀 역학의 복잡성 등을 구체적으로 분석하는 게 주된 과제였다.

According to CoinDesk, a study by the Bank for International Settlements (BIS) has found that the behavior of borrowers in decentralized finance (DeFi) is crucial when considering the design of collateralized borrowing platforms with emerging tokenized assets. The authors of the study claim to be the first to document individual DeFi wallets' leverage, which is relevant to understanding financial stability concerns. Financial institutions worldwide are increasingly experimenting with tokenizing traditional assets such as bonds and securities. The workings of DeFi lending platforms offer useful insight into the risks associated with tokenization and the potential disruption of traditional finance, according to the technical study by the central bank group. The study found that DeFi borrowers generally avoid leveraging too much, as they face substantial losses upon automatic liquidation, where collateral is automatically sold when borrowers' positions become too risky. Borrowers take a conservative approach with a sizeable buffer, and DeFi users tend to deposit more if they have higher past returns. The study's authors, Lioba Heimbach and Wenqian Huang, conducted the study using data from the Ethereum blockchain, focusing on lending resilience and strategic substitution behavior. The BIS has been exploring the DeFi space for some time, working with the central banks of France, Singapore, and Switzerland to successfully test cross-border trading of wholesale central bank digital currencies and DeFi elements, specifically automated market makers. In 2022, two BIS papers said that DeFi could lead to bumpier financial markets and may not fix the problem of large intermediaries dominating. The latest study was conducted between January 2021 and March 2023 to specifically look at the largely unexplored 'intricacies of user behavior and pool dynamics within DeFi lending.' The importance of conducting the study was based on the recognition that DeFi protocols have been facilitating collateralized borrowing on an 'economically significant scale' with highs of over $35 billion in deposits and $25 billion in outstanding debt, the study said.

国际清算银行（BIS）的一项研究得出结论，在设计和管理涉及代币化资产的平台时，借款人在 DeFi 领域的行为和 DeFi 市场动态是重要的考虑因素。 其指出，由于 DeFi 借款人在自动清算时面临巨大损失（当借款人的头寸风险过大时，抵押品会自动出售），他们通常会避免过度杠杆化。借款人采取了保守的方式，有相当大的缓冲。此外，如果 DeFi 用户过去的回报率较高，他们往往会存入更多的钱。 该研究的作者 Lioba Heimbach 和 Wenqian Huang 称，他们的发现可能与理解 DeFi 引发的金融稳定担忧有关联。其使用以太坊区块链的数据进行了这项研究，重点关注贷款弹性和战略替代行为。（CoinDesk）

The study was designed to look at the largely unexplored "intricacies" of user behavior and dynamics of decentralized finance lending, the authors said. source: https://www.coindesk.com/policy/2024/03/14/defi-borrower-behavior-key-to-gauging-tokenization-risks-bis-study/?utm_medium=referral&utm_source=rss&utm_campaign=headlines

The Bank of International Settlements (BIS) has released its recommendations for the regulation, supervision, and oversight of global stablecoin arrangements, according to an executive summary published on February 29. source: https://cryptonews.com/news/bank-for-international-settlements-releases-executive-summary-of-global-stablecoin-reccomendations.htm

国际清算银行（BIS）已提出全球稳定币监管的建议，主要建议包括：支持全球稳定币创新，建立风险管理框架并确保其有效，注重数据存储和数据访问、赎回权和审慎要求，同时强调采用技术中立的方法，优先考虑潜在的活动和风险。（TheBlock）

더블록에 따르면 국제결제은행(BIS)이 글로벌 스테이블코인 규제 권고안을 발표했다. 권고안은 국가 간 협력, 조율, 정보 공유에 중점을 두고 글로벌 스테이블코인을 규제, 감독할 준비를 하도록 전 세계에 요구한다. 특히 운영 탄력성, 사이버 보안 보호 장치, 자금세탁 및 테러자금조달 방지 등 중대 리스크를 포괄적으로 다루는 리스크 관리 프레임워크가 마련돼야 한다고 강조했다. BIS는 또 스테이블코인이 금융 서비스 제공 방식 효율성을 개선할 수 있는 잠재력을 가지고 있지만 금융 안정성에 위험을 초래할 수도 있다고 덧붙였다.

The Bank of International Settlements (BIS) has published a report calling on regulators to “future proof” themselves against the adverse effects of an unregulated metaverse on the digital economy. The 31-page report warns that future money and virtual environments run the risk of “becoming fragmented and dominated by powerful private firms.” To counter this threat, […] source: https://cryptonews.com/news/bis-warns-against-unregulated-metaverse-a-call-to-prevent-fragmentation-and-corporate-control.htm