Strike 正式推出「比特幣抵押信用額度」，讓你用比特幣做擔保就能借到現金，同時繼續持有資產等待增值，這項服務已在美國部分州上線。
（前情提要：瑞士加密銀行Sygnum合作Debifi：推出比特幣貸款平台MultiSYG，主打讓用戶保留資產控制權）
（背景補充：可抵押比特幣貸款了！加密友善銀行Xapo提供最高100萬美元額度，誰有資格？）
比特幣支付應用程式 Strike 於 2026 年 3 月 4 日正式宣布推出「比特幣抵押信用額度」（Bitcoin-backed line of credit），這項創新服務讓比特幣持有者能夠以手中的比特幣作為擔保，借出現金（美元）使用，而無需出售比特幣本身。這項功能被視為比特幣生態系中重要的進展，有助於讓使用者「活在比特幣上」，同時保留長期持有比特幣的優勢。
Announcing the bitcoin-backed line of credit.
You shouldn’t have to sell your bitcoin to access cash. Now you don’t have to.
Borrow with low minimums, draw as little as $1, pay interest only on what you use, and repay whenever you want.
Now live in GA and MA. More states soon. https://t.co/Fz0sG0FKYB pic.twitter.com/5SuC8KbMhn
— Strike (@Strike) March 3, 2026
服務核心特色
官方介紹，這項信用額度的設計相當靈活且對使用者友好。主要特點包括：
- 最低借款門檻極低，最少可借 1 美元。
- 只針對實際動用的金額收取利息，未使用的額度不需支付費用。
- 還款時間彈性，使用者可隨時償還，沒有強制到期壓力。
- 無需進行傳統信用檢查，主要依賴比特幣擔保品價值。
Strike 強調，這項服務的目的是解決比特幣持有者常遇到的困境：想取得流動性卻不願在市場低點賣出比特幣。透過這種方式，使用者能繼續持有比特幣，並期待比特幣在未來增值，同時又能夠滿足日常或投資的現金需求。
推出範圍與未來規劃
目前，這項比特幣抵押信用額度已在美國喬治亞州（Georgia）和麻薩諸塞州（Massachusetts）開放申請，其他州預計很快跟進。Strike 表示，將持續擴大可用區域，讓更多美國使用者受益。
對此，Strike 創辦人 Jack Mallers 也在相關貼文中指出，這是「比特幣人的生活秘訣」：儲蓄比特幣、消費法定貨幣、避免賣幣、持續累積更多 satoshis（比特幣最小單位）。
總結來說，Strike 的比特幣抵押信用額度代表了比特幣金融服務的一次重要升級。它讓持有者能在不犧牲長期價值的狀況下，輕鬆取得流動性，體現「Better Money」的願景。
Disclaimer: The information on this page may come from third parties and does not represent the views or opinions of Gate. The content displayed on this page is for reference only and does not constitute any financial, investment, or legal advice. Gate does not guarantee the accuracy or completeness of the information and shall not be liable for any losses arising from the use of this information. Virtual asset investments carry high risks and are subject to significant price volatility. You may lose all of your invested principal. Please fully understand the relevant risks and make prudent decisions based on your own financial situation and risk tolerance. For details, please refer to
Disclaimer.
Articoli correlati
Polkadot to Reset Tokenomics on March 12 With Major DOT Supply and Staking Changes
Polkadot will introduce a new monetary framework on March 12 that sets DOT’s supply cap at 2.1 billion and lowers emissions by 53.6%.
The overhaul will also create a Dynamic Allocation Pool and shorten the DOT unbonding period from 28 days to 24–48 hours.
On March 12, Polkadot will reset
CryptoNewsFlash3h fa
BlackRock Lowers ETHB Staking Fee in Updated SEC Filing
BlackRock reduced the proposed staking fee from 18% to 10% of ETH rewards in the updated ETF S-1 filing.
The iShares Ethereum Trust plans to stake its ETH holdings to generate additional yield for the fund.
Several firms including Fidelity Investments and Franklin Templeton are also
CryptoFrontNews4h fa
Aave Labs Proposes Dedicated Bug Bounty Program for Aave V4 With Sherlock
Aave Labs has published a proposal for a dedicated bug bounty program for a 24/7 channel to report security issues.
High-priority submissions require participants to stake at least 250 USDC, which is forfeited if the report is invalid or deemed spam.
Aave Labs has published a proposal to
CryptoNewsFlash5h fa
XRP Ledger XLS-65 Amendment Introduces Native Single Asset Vaults for DeFi
XLS-65 enables integration of single-asset vaults on the XRP Ledger, allowing users to pool XRP, IOU, or MPT and obtain proportional shares of MPT.
XRPL Commons backed the amendment after 257 Devnet tests, which covered exchange logic, access controls, and asset safeguards.
The XRP Ledger ha
CryptoNewsFlash5h fa
Curve Finance 指控某去中心化交易平台未经许可使用其代码，违反开源协议
Curve Finance 指控某去中心化交易平台未经授权使用其代码，违反开源许可协议。该平台如欲合法使用其功能，可通过许可或合作方式联系。
GateNews7h fa
21Shares Launches First US Spot Polkadot ETF on Nasdaq
21Shares listed the TDOT ETF on Nasdaq with a physically backed structure holding actual DOT tokens.
The ETF launched with about $11 million in seed capital and charges a 0.30% management fee, according to Eric Balchunas.
Polkadot plans a March update capping DOT supply at 2.1B tokens
CryptoFrontNews7h fa
