Trong nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y, c\u00e1c t\u00e0i s\u1ea3n ti\u1ec1n \u0111i\u1ec7n t\u1eed (crypto<\/strong>) \u0111\u00e3 c\u00f3 s\u1ef1 ph\u00e1t tri\u1ec3n m\u1ea1nh m\u1ebd. Tuy nhi\u00ean, khi n\u00f3i \u0111\u1ebfn vi\u1ec7c s\u1eed d\u1ee5ng ch\u00fang l\u00e0m t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p \u0111\u1ec3 h\u1ed7 tr\u1ee3 cho vi\u1ec7c cho vay, ch\u00fang v\u1eabn c\u00f2n thi\u1ebfu h\u1ee5t. M\u1eb7c d\u00f9 m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng nh\u01b0 JPMorgan<\/strong> \u0111\u00e3 th\u1eed nghi\u1ec7m cho ph\u00e9p kh\u00e1ch h\u00e0ng s\u1eed d\u1ee5ng c\u00e1c lo\u1ea1i ti\u1ec1n \u0111i\u1ec7n t\u1eed nh\u01b0 Bitcoin<\/strong> v\u00e0 Ethereum<\/strong> l\u00e0m t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p, nh\u01b0ng nh\u1eefng \u0111\u1eb7c quy\u1ec1n n\u00e0y ch\u1ee7 y\u1ebfu ch\u1ec9 d\u00e0nh cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 t\u1ed5 ch\u1ee9c l\u1edbn, nh\u01b0 qu\u1ef9 \u0111\u1ea7u c\u01a1, thay v\u00ec cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng b\u00ecnh th\u01b0\u1eddng. \u0110i\u1ec1u n\u00e0y \u0111\u00e3 \u0111\u1eb7t c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 thi\u1ebfu ti\u1ec1n m\u1eb7t nh\u01b0ng gi\u00e0u crypto v\u00e0o m\u1ed9t t\u00ecnh hu\u1ed1ng kh\u00f3 kh\u0103n khi c\u1ea7n vay t\u00edn d\u1ee5ng.<\/p>\n Trong s\u1ed1 c\u00e1c th\u1ebf h\u1ec7 Millennials<\/strong> v\u00e0 Gen Z<\/strong>, vi\u1ec7c n\u1eafm gi\u1eef t\u00e0i s\u1ea3n r\u00f2ng trong c\u00e1c t\u00e0i s\u1ea3n k\u1ef9 thu\u1eadt s\u1ed1 ng\u00e0y c\u00e0ng tr\u1edf n\u00ean ph\u1ed5 bi\u1ebfn, thay v\u00ec trong b\u1ea5t \u0111\u1ed9ng s\u1ea3n nh\u01b0 nh\u00e0 \u1edf. \u0110\u1eb7c bi\u1ec7t, t\u1ef7 l\u1ec7 s\u1edf h\u1eefu nh\u00e0 \u1edf trong gi\u1edbi tr\u1ebb t\u1ea1i M\u1ef9 \u0111ang \u1edf m\u1ee9c th\u1ea5p nh\u1ea5t m\u1ecdi th\u1eddi \u0111\u1ea1i. Hi\u1ec7n nay, Millennials v\u00e0 Gen Z c\u00f3 kh\u1ea3 n\u0103ng s\u1edf h\u1eefu crypto t\u01b0\u01a1ng \u0111\u01b0\u01a1ng v\u1edbi vi\u1ec7c s\u1edf h\u1eefu m\u1ed9t ng\u00f4i nh\u00e0.<\/p>\n Figure Technologies Solutions, Inc.<\/strong>, m\u1ed9t c\u00f4ng ty fintech ni\u00eam y\u1ebft tr\u00ean NASDAQ, \u0111\u00e3 tr\u1edf th\u00e0nh m\u1ed9t v\u00ed d\u1ee5 n\u1ed5i b\u1eadt v\u1ec1 vi\u1ec7c k\u1ebft h\u1ee3p gi\u1eefa t\u00e0i ch\u00ednh truy\u1ec1n th\u1ed1ng (TradFi<\/strong>) v\u00e0 crypto khi ra m\u1eaft v\u00e0o n\u0103m 2019. \u0110\u1ec1 xu\u1ea5t ch\u00ednh c\u1ee7a c\u00f4ng ty l\u00e0 cho ph\u00e9p c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 b\u00ecnh th\u01b0\u1eddng, thay v\u00ec ch\u1ec9 c\u00e1c ng\u00e2n h\u00e0ng l\u1edbn, c\u00f3 quy\u1ec1n truy c\u1eadp v\u00e0o l\u1ee3i su\u1ea5t ch\u1ea5t l\u01b0\u1ee3ng cao t\u1eeb t\u00edn d\u1ee5ng t\u01b0 nh\u00e2n, nh\u01b0 c\u00e1c D\u00f2ng t\u00edn d\u1ee5ng th\u1ebf ch\u1ea5p nh\u00e0<\/strong> (HELOC) \u0111\u01b0\u1ee3c m\u00e3 h\u00f3a. Nh\u1eefng t\u00e0i s\u1ea3n th\u1ef1c t\u1ebf n\u00e0y \u0111\u01b0\u1ee3c ghi l\u1ea1i m\u1ed9t c\u00e1ch t\u1ef1 nhi\u00ean tr\u00ean blockchain t\u1eeb \u0111\u1ea7u.<\/p>\n Hi\u1ec7n t\u1ea1i, c\u00f4ng ty \u0111ang chuy\u1ec3n h\u01b0\u1edbng sang cung c\u1ea5p c\u00e1c kho\u1ea3n vay \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 b\u1eb1ng crypto, x\u1eed l\u00fd c\u00e1c \u0111\u01a1n \u0111\u0103ng k\u00fd th\u00f4ng qua th\u1ecb tr\u01b0\u1eddng phi t\u1eadp trung c\u1ee7a m\u00ecnh, Figure Markets<\/strong>, \u0111\u01b0\u1ee3c ra m\u1eaft v\u00e0o th\u00e1ng 9 n\u0103m 2024. D\u1ecbch v\u1ee5 c\u1ee7a Figure cho ph\u00e9p ng\u01b0\u1eddi d\u00f9ng \u0111\u1eb7t Bitcoin<\/strong> (BTC), Ethereum<\/strong> (ETH) ho\u1eb7c Solana<\/strong> (SOL) l\u00e0m t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p \u0111\u1ec3 truy c\u1eadp ti\u1ec1n m\u1eb7t, trong khi v\u1eabn ti\u1ebfp t\u1ee5c \u0111\u1ea7u t\u01b0 v\u00e0o crypto. \u0110i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 h\u1ecd c\u00f3 th\u1ec3 h\u01b0\u1edfng l\u1ee3i t\u1eeb s\u1ef1 gia t\u0103ng gi\u00e1 tr\u1ecb c\u1ee7a crypto, \u0111\u1ed3ng th\u1eddi tr\u00e1nh \u0111\u01b0\u1ee3c thu\u1ebf l\u00e3i v\u1ed1n m\u00e0 crypto ph\u1ea3i ch\u1ecbu t\u1ea1i M\u1ef9, v\u1edbi m\u1ee9c l\u00ean t\u1edbi 20%. Ng\u01b0\u1eddi d\u00f9ng c\u00f3 th\u1ec3 vay l\u00ean \u0111\u1ebfn 75%<\/strong> gi\u00e1 tr\u1ecb c\u1ee7a t\u00e0i s\u1ea3n crypto c\u1ee7a h\u1ecd.<\/p>\n L\u00e3i su\u1ea5t \u0111\u01b0\u1ee3c ph\u00e2n lo\u1ea1i d\u1ef1a tr\u00ean t\u1ef7 l\u1ec7 vay so v\u1edbi t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p: l\u00e3i su\u1ea5t b\u1eaft \u0111\u1ea7u t\u1eeb 8.91%<\/strong> (9.999% APR) cho c\u00e1c kho\u1ea3n vay l\u00ean \u0111\u1ebfn 50%<\/strong> LTV, v\u00e0 11.50%<\/strong> (12.62% APR) cho c\u00e1c kho\u1ea3n vay l\u00ean \u0111\u1ebfn 75%<\/strong> LTV. T\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p c\u1ee7a ng\u01b0\u1eddi d\u00f9ng \u0111\u01b0\u1ee3c gi\u1eef trong c\u00e1c v\u00ed t\u1ef1 qu\u1ea3n phi t\u1eadp trung, s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 t\u00ednh to\u00e1n \u0111a b\u00ean (MPC<\/strong>), trong \u0111\u00f3 c\u00e1c kh\u00f3a ri\u00eang \u0111\u01b0\u1ee3c chia th\u00e0nh nhi\u1ec1u ph\u1ea7n gi\u1eefa nhi\u1ec1u b\u00ean \u0111\u1ec3 kh\u00f4ng c\u00f3 \u0111i\u1ec3m n\u00e0o b\u1ecb x\u00e2m ph\u1ea1m. T\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p c\u1ee7a ng\u01b0\u1eddi d\u00f9ng s\u1ebd \u0111\u01b0\u1ee3c gi\u1eef t\u00e1ch bi\u1ec7t v\u1edbi c\u00e1c ng\u01b0\u1eddi vay kh\u00e1c trong m\u1ed9t v\u00ed ri\u00eang bi\u1ec7t, cho ph\u00e9p h\u1ecd xem t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p c\u1ee7a m\u00ecnh tr\u00ean chu\u1ed7i b\u1ea5t c\u1ee9 l\u00fac n\u00e0o. Crypto s\u1ebd \u0111\u01b0\u1ee3c gi\u1ea3i ph\u00f3ng kh\u1ecfi s\u1ef1 gi\u00e1m s\u00e1t c\u1ee7a MPC khi kho\u1ea3n vay \u0111\u01b0\u1ee3c thanh to\u00e1n \u0111\u1ea7y \u0111\u1ee7.<\/p>\n “T\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng cho ‘rehypothecation’, t\u1ee9c l\u00e0 vi\u1ec7c t\u00e1i s\u1eed d\u1ee5ng ho\u1eb7c cho vay l\u1ea1i t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng,” m\u1ed9t ph\u00e1t ng\u00f4n vi\u00ean c\u1ee7a Figure cho bi\u1ebft.<\/p>\n<\/blockquote>\n Ng\u01b0\u1eddi d\u00f9ng Figure c\u0169ng c\u00f3 t\u00f9y ch\u1ecdn mua B\u1ea3o v\u1ec7 Thanh l\u00fd<\/strong>, cho ph\u00e9p h\u1ecd v\u01b0\u1ee3t qua s\u1ef1 bi\u1ebfn \u0111\u1ed9ng c\u1ee7a th\u1ecb tr\u01b0\u1eddng b\u1eb1ng c\u00e1ch tr\u00e1nh c\u00e1c cu\u1ed9c g\u1ecdi k\u00fd qu\u1ef9 ho\u1eb7c thanh l\u00fd li\u00ean quan \u0111\u1ebfn bi\u1ebfn \u0111\u1ed9ng gi\u00e1. “Thay v\u00ec \u0111\u1ed9t ng\u1ed9t thanh l\u00fd t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p n\u1ebfu c\u00f3 s\u1ef1 s\u1ee5t gi\u1ea3m \u0111\u1ed9t ng\u1ed9t v\u1ec1 gi\u00e1, b\u1ea3o v\u1ec7 thanh l\u00fd c\u00f3 ngh\u0129a l\u00e0 ng\u01b0\u1eddi vay c\u00f3 th\u1eddi gian \u0111\u1ec3 ph\u1ea3n \u1ee9ng v\u1edbi \u0111i\u1ec1u ki\u1ec7n th\u1ecb tr\u01b0\u1eddng, thay v\u00ec ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi c\u00e1c thanh l\u00fd t\u1ef1 \u0111\u1ed9ng,” m\u1ed9t ph\u00e1t ng\u00f4n vi\u00ean c\u1ee7a Figure cho bi\u1ebft.<\/p>\n Ng\u01b0\u1eddi vay c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c kho\u1ea3n thanh to\u00e1n l\u00e3i h\u00e0ng th\u00e1ng trong su\u1ed1t th\u1eddi gian vay, ho\u1eb7c ch\u1ecdn ho\u00e3n l\u00e3i cho \u0111\u1ebfn khi k\u1ebft th\u00fac th\u1eddi gian vay, mi\u1ec5n l\u00e0 kho\u1ea3n vay c\u1ee7a h\u1ecd \u0111ang trong t\u00ecnh tr\u1ea1ng t\u1ed1t. S\u1ed1 d\u01b0 c\u00f2n l\u1ea1i v\u00e0 b\u1ea5t k\u1ef3 l\u00e3i su\u1ea5t ho\u00e3n n\u00e0o s\u1ebd \u0111\u1ebfn h\u1ea1n thanh to\u00e1n \u0111\u1ea7y \u0111\u1ee7 khi \u0111\u00e1o h\u1ea1n. Khi kho\u1ea3n vay \u0111\u01b0\u1ee3c thanh to\u00e1n, b\u1ea5t k\u1ef3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p ho\u1eb7c ti\u1ec1n t\u1ec7 n\u00e0o d\u01b0 th\u1eeba s\u1ebd \u0111\u01b0\u1ee3c tr\u1ea3 l\u1ea1i cho ng\u01b0\u1eddi vay.<\/p>\n Kho\u1ea3n vay \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 b\u1eb1ng crypto c\u1ee7a Figure hi\u1ec7n c\u00f3 s\u1eb5n cho c\u01b0 d\u00e2n c\u1ee7a m\u1ecdi ti\u1ec3u bang ngo\u1ea1i tr\u1eeb Idaho<\/strong>, Illinois<\/strong>, Kentucky<\/strong>, Maryland<\/strong>, Mississippi<\/strong>, South Dakota<\/strong>, Texas<\/strong>, Vermont<\/strong>, Virginia<\/strong> v\u00e0 Qu\u1eadn Columbia<\/strong>, nh\u01b0ng c\u00f4ng ty \u0111ang l\u00e0m vi\u1ec7c \u0111\u1ec3 m\u1edf r\u1ed9ng \u0111\u1ebfn nh\u1eefng \u0111\u1ecba \u0111i\u1ec3m n\u00e0y. T\u1ea3i xu\u1ed1ng \u1ee9ng d\u1ee5ng Figure Markets v\u00e0 nh\u1eadn $50<\/strong> khi b\u1ea1n g\u1eedi $500<\/strong>.<\/p>\n","protected":false},"excerpt":{"rendered":" Ti\u1ec1m N\u0103ng C\u1ee7a T\u00e0i S\u1ea3n Ti\u1ec1n \u0110i\u1ec7n T\u1eed Trong Cho Vay Trong nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y, c\u00e1c t\u00e0i s\u1ea3n ti\u1ec1n \u0111i\u1ec7n t\u1eed (crypto) \u0111\u00e3 c\u00f3 s\u1ef1 ph\u00e1t tri\u1ec3n m\u1ea1nh m\u1ebd. Tuy nhi\u00ean, khi n\u00f3i \u0111\u1ebfn vi\u1ec7c s\u1eed d\u1ee5ng ch\u00fang l\u00e0m t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p \u0111\u1ec3 h\u1ed7 tr\u1ee3 cho vi\u1ec7c c…<\/p>\n","protected":false},"author":3,"featured_media":19449,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[42],"tags":[4225,10339,4218,12000,11142,11999,6335,4493,6805,9308,9874,11861,4728,4312,9461,4972,4204,10246,4796],"class_list":["post-19450","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bitcoin","tag-bitcoin","tag-district-of-columbia","tag-ethereum","tag-figure-markets","tag-gen-z","tag-idaho","tag-illinois","tag-jpmorgan","tag-kentucky","tag-maryland","tag-millennials","tag-mississippi","tag-nasdaq","tag-solana","tag-south-dakota","tag-texas","tag-usa","tag-vermont","tag-virginia"],"yoast_head":"\nThay \u0110\u1ed5i Trong Th\u00f3i Quen \u0110\u1ea7u T\u01b0 C\u1ee7a Gi\u1edbi Tr\u1ebb<\/h2>\n
Gi\u1ea3i Ph\u00e1p T\u1eeb Figure Technologies<\/h2>\n
L\u00e3i Su\u1ea5t V\u00e0 B\u1ea3o M\u1eadt T\u00e0i S\u1ea3n<\/h2>\n
\n
\u0110i\u1ec1u Ki\u1ec7n Vay V\u00e0 M\u1edf R\u1ed9ng D\u1ecbch V\u1ee5<\/h2>\n