本月要是不知道打铭文，基本就算没混进华人加密圈。
但各个RWA项目的代币也在差不多同一时间起飞了~
目前华人和欧美的加密圈简直是两个平行世界，真有意思。
加密货币领域最近的价格波动主要核心动力是受到比特币现货ETF相关进度的影响。
比特币的价格受此影响逐步走高。
笔者在开始写本公众号的时候，为了保持对业内的敏感度，配置了一些RWA代币，主要持仓比例是这样的：
没想到主营业务和公众号都没开始赚钱呢，这些代币也差不多都起飞了
我来和大家聊一下我持仓逻辑吧~
如果搞RWA不知道Centrifuge也算是没入行了，目前Makerdao还有很多链上defi项目的资产包，都是Centrifuge打包的。
Centrifuge自己有一个Centrifuge Chain，是一个基于Substrate的POS链。CFG的作用是为Centrifuge提供激励，$CFG的持有者可以通过链上治理参与Centrifuge的发展。
由于传统资产上链的过程极其复杂，在现有监管条件不发生大的变化的情况下，可能美元资产上链，很多都需要通过Centrifuge的通道。
关于资产上链，可以详见：RWA未来天王山之战：革资产证券化的命
按照官方的介绍，Chainlink是一个去中心化的预言机网络，旨在将区块链智能合约安全可靠地连接至链下系统。
Link是运行于ChainLink系统的原生代币。
之所以关注到Chainlink，是因为在传统金融系统中，结算是原中心化系统的核心节点。而在Swift提出用于实现链上结算的RLN中，竟然拉上了Chainlink的CCIP做跨链解决方案，详见：美帝的阳谋？详解美联储和Swift的代币化方案
其实在我过往的文章中，并没有专门提到交易所。
不过认为RWA资产，可能更多会通过去中心化的方式进行交易，具体可能是这样的：
各个司法管辖区会推出自己的DLT或者RLN许可网络方案，强制要求金融资产通过CBDC或者其他的方式结算。
同时支持各个接入许可网络的节点方，通过跨链的方式将RWA资产引入公链。
虽然从十月份我买入开始有20%的涨幅，但整体看Uni的表现和其他项目差距还是比较大。
Maple Finance是一个创立于2021年5月的加密借贷协议。利用Maple Finance（下文简称Maple），机构投资者无需足额抵押即可通过该协议借入资金，用户则可以投资固定利率取得产品收益。
Maple和RWA的交集是链上加密生态由于熊市借款需求减少，于是发力私人信贷（Private Debt），可以认为是链上P2P。
自从10月份配置后，现在大概涨了有三倍。
说实话我自己其实不是很看到短期链上P2P的发展，也不知道为什么短期涨势这么猛。
关于这类边缘资产，可以参考关于RWA的6点不靠谱观察
相比于Maple，Goldfinch今年可谓多灾多难。
Goldfinch 的定位为去中心化的借贷协议。2021 年来，Goldfinch 曾完成过总额高达 3700 万美元的三轮融资（100 万美元、1100 万美元、2500 万美元），其中后两轮均由 a16z 领投。
与Aave、Compound 等传统借贷协议不同，Goldfinch 主要服务于真实世界的商业信贷需求。
今年Goldfinch连续出现了两起坏账事故，8月份被非洲的摩托车租赁公司Tugenden产生500万美元坏账，10月份又爆出700万美金的坏账。
考虑到大部分借款还在还息阶段，到期还本可能出现的坏账会更多。
虽然每次爆出坏账都有一波降幅，但是不影响10月份之后涨回去了。
貌似搞价值的一直在加密圈抬不起头。
这波比特币现货ETF的肥皂剧大概率还是会上演很长时间，之后还会有其他代币现货ETF的续集。
反正我这个持仓准备一年不动了，一年后再看
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