前阵子我和一个做基金的朋友聊天,他突然问我一句: “你觉得五年后,银行还需要柜台吗?” 我愣了一下,他接着说:“我们现在在研究上链,把部分美债用智能合约管理,收益每天自动结算,比 Excel 靠谱多了。” 听到这我才意识到,Web3 和传统金融的界限,正在被一点点抹平。 像 @Theo_Network 这样的项目,已经把机构资金带进了链上。 它联合渣打银行、惠灵顿管理公司打造了一个机构级 RWA 平台, 核心产品 thBILL 专注美国国债代币化,TVL 已达 1.534 亿美元, 在 Arbitrum 上占据了 RWA 市场的 85%。 Theo 的下一步是横向扩展:从国债到黄金(thGLD), 并进入 Base、Solana 等高性能网络, 构建跨链流动性的机构通道。 甚至有人用它玩出了年化 100% 的循环策略👇 #KaitoYap @KaitoAI #Yap
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