📌「主流借贷协议」vs fxMINT (@protocol_fx ) 借贷成本对比
1️⃣ 主流借贷协议的现实:资金贵、利率浮动大
USDC 借贷市场最近一周的数据(Ethereum上)👇
日期借款总额借款年化(Borrow APR)
🧾 平均利率:约 5.7%~7%
📈 借越多 → 利率越高
💣 在市场需求紧张时,借贷成本直线上升
2️⃣ fxMINT 的做法完全不同
🔹 用户抵押 wstETH / wBTC 铸造 fxUSD
🔹 无需从资金池借入 → 不受供需波动影响
🔹 借贷成本 ≈ 0%(大多数时间)
🔹 系统自动再平衡,避免强制清算
用一句话总结:
“别人付利息借钱,fxMINT 用自己的资产生钱。”
3️⃣ 核心对比图表 📊
4️⃣ 结论
在主流借贷协议中,
“借得越多,利息越高。”
在 fxMINT 中,
“借得越多,机会越大。”
✅ 几乎 0 利率
✅ 无清算风险
✅ 真正由协议内生流动性支撑


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