S2EP21｜銀行利息 0.01%鏈上收益卻能到 10%？華爾街正在偷偷把「債券市場」搬上區塊鏈！Pendle 正在重建下一代固定收益市場

from 幣盎司B-ounce · host 複利學堂CPD.College

銀行利息只有 0.01%，但鏈上固定收益卻可能出現 8%～11%？這不是單純的高 APY 炒作，而是傳統金融市場正在發生一場巨大遷移：美國國債、私募信貸、上市公司股息、穩定幣收益，正在透過 RWA 被搬上區塊鏈。這一集《幣盎司 Podcast》S2EP21，57 與 Yen 桑要帶你看懂 Pendle 為什麼正在成為鏈上固定收益市場的重要基礎設施。很多人以為 Pendle 只是幣圈高收益平台，但它真正做的事情，是把「本金」和「利息」拆開交易。你可以把它想像成一間「帶租約的店面」： SY：就是會收租的店面本身 PT：就是店面的所有權狀 YT：就是未來租金請求權 Pendle 把原本綁在一起的本金與收益，透過智慧合約拆成兩種可以分開交易的資產，讓「未來收益率」第一次可以像商品一樣被買賣。這代表什麼？對保守型投資人來說，PT 就像鏈上的零息債券，可以用來鎖定固定收益。對進取型投資人來說，YT 則像是押注未來收益率的工具，潛在報酬高，但風險也更大。對整個市場來說，Pendle 正在把鏈上金融帶往一個更成熟的階段：利率市場、固定收益市場、RWA 市場。這集你會聽到：・Pendle 到底在做什麼？・PT / YT / SY 怎麼理解？・為什麼 Pendle 像鏈上的零息債券市場？・如何用 PT 做出「保本＋進攻」的投資組合？・為什麼 RWA、穩定幣、華爾街資金都往這裡走？・PENDLE 代幣為什麼可能被重新定價？・高收益背後有哪些不能忽略的風險？如果說 2020 年的 DeFi 在炒幣，那 2026 年的 DeFi，可能正在炒的是——美元現金流。而 Pendle，很可能就是下一代鏈上固定收益市場的關鍵入口。歡迎收看《幣盎司 Podcast》S2EP21：一起看懂華爾街正在搬上鏈的下一個金融市場。 --- YouTube 章節時間軸 00:00 開場：華爾街正在把「債券市場」搬上區塊鏈 02:12 Pendle 是什麼？為什麼它不是單純高 APY 平台 03:46 PT / YT 怎麼理解？本金與收益如何拆開交易 05:16 用「帶租約的店面」白話解釋 Pendle 11:22 銀行 0.01% vs 鏈上 10%：RWA 與固定收益為什麼上鏈 12:36 Pendle 的真正定位：鏈上的利率市場 14:02 一般人怎麼用？PT 保本＋YT / BTC 進攻的槓鈴策略 16:30 PENDLE 代幣價值：協議收入回購與重新定價邏輯 19:11 高收益背後的三大風險：合約、底層資產、監管 20:29 結論：2026 的 DeFi，開始交易美元現金流 🎙 主持人：57 & Yen桑 ___ 💡 銀行利息 0.01%，鏈上固定收益卻可能到 8%～11%。你覺得 Pendle 會成為下一代鏈上債券市場嗎？歡迎留言告訴我們：你比較想用 PT 鎖定固定收益，還是用 YT 押注未來收益率？ ◆收聽《幣盎司B-ounce》Podcast每週五更新 https://solink.soundon.fm/bounce_tv ◆FB粉專 https://www.facebook.com/bounce88.tv ◆IG粉專 https://www.instagram.com/b.ounce_tv/ ◆歡迎追蹤我們社群・一同複利成長幣盎司｜https://www.instagram.com/b.ounce_tv/ 複利學堂粉專 https://www.instagram.com/cpd.college/ 財商暖男57｜wei https://www.instagram.com/057wei/ Yen桑（Yensan）https://www.instagram.com/yensan_1211/ #Pendle #PENDLE #RWA #DeFi #穩定幣 #固定收益 #鏈上金融 #區塊鏈 #加密貨幣 #幣盎司 #幣盎司Podcast #PT #YT #鏈上債券 #realyield -- Hosting provided by SoundOn

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S2EP21｜銀行利息 0.01%鏈上收益卻能到 10%？華爾街正在偷偷把「債券市場」搬上區塊鏈！Pendle 正在重建下一代固定收益市場

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