比推消息，据Bitcoin.com报道，西班牙跨国银行桑坦德银行（Santander） 旗下数字资产部门近期悄然成为加密借贷领域的重要参与者，其业务数据引发行业关注：核心进展放贷规模：2024年Q1加密抵押贷款发放额达4.7亿美元，环比增长210%服务对象：主要面向机构及高净值客户，接受BTC/ETH作为抵押物（LTV≤50%）利率优势：年化利率5.8%-8.3%，低于BlockFi破产前水平（9%-12%）行业影响传统金融机构正以合规优势抢占加密借贷市场，当前市场份额已达18%（2023年仅5%）桑坦德采用“冷存储+保险”双重保障，其坏账率维持在0.7%（行业平均2.3%）该行计划Q3推出面向中小企业的加密信贷产品市场反应消息公布后，桑坦德美股（SAN）盘后上涨3.2%去中心化借贷协议Aave同期TVL下降6%，显示传统资本分流效应
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