# DeFi — X 热门讨论 (2026-09-26 14:02 UTC)
## @0xKeng (Keng N) · 09-26 10:24 · ♥85 ↻0 💬116 It’s easy to hold BTC. The real question is what comes next
For years, Bitcoin holders have faced a familiar trade-off: keep their BTC untouched, or move into DeFi to explore opportunities beyond simply holding
That’s where @Starknet and its BTCFi vision caught my attention
With strkBTC, Bitcoin can enter the Starknet ecosystem and become usable across supported DeFi applications. Instead of sitting idle in a wallet, BTC can potentially take on new roles through lending, liquidity, collateral, and other onchain strategies.
But what makes this interesting isn’t simply bringing Bitcoin onchain. It’s about expanding what Bitcoin can do without losing sight of why people hold it in the first place.
And there’s another part of this conversation that deserves attention: privacy.
As Bitcoin becomes more integrated with DeFi, users should have greater control over how they interact onchain and what information they expose. Privacy shouldn’t be an afterthought in an increasingly transparent financial system.
Of course, this doesn’t mean strkBTC transactions are automatically anonymous. Bridges, smart contracts, liquidity, and market conditions all introduce risks that users need to understand. Putting BTC to work also doesn’t guarantee returns.
Still, the broader idea is worth exploring.
For long-term Bitcoin holders, the question doesn’t always have to be whether to sell BTC to access new opportunities.
It can also be: How much more can I do with the BTC I already own?
That’s the direction BTCFi is opening up.
Bitcoin can remain at the center of your portfolio while gaining access to a wider range of financial possibilities.
And with @Starknet, the conversation is moving beyond simply holding BTC toward making it more useful, composable, and accessible onchain. https://x.com/0xKeng/status/2103792801292935451
## @Pumplab100 (PUMP 🚀LAB) · 09-26 13:08 · ♥102 ↻31 💬0 Sl8 staking is pretty straightforward once you strip away the DeFi jargon.
Pick your asset: USDC or SSLX. Pick your lock-up:
• 90 days — 9.5% APR • 180 days — 14.5% APR • 360 days — 19% APR
Rewards accrue weekly and stay inside the position. At maturity, your principal + accumulated rewards become available together.
Simple setup, but always check the full terms before joining.
https://t.co/1Xl3L2LOpH
#go_Sl8 https://x.com/Pumplab100/status/2103834160993358008
## @publicitsx (小鱼干) · 09-26 13:05 · ♥90 ↻1 💬48 我觉得 fxMINT 最容易讲明白的场景，不是某个复杂的 DeFi 策略，而是一个很普通的纠结：手里有 ETH，暂时需要稳定币，但又不想在这个时候把 ETH 卖掉。
@protocol_fx 给出的做法是把 ETH 抵押进去，铸出 fxUSD。这样原有的 ETH 敞口还在，手里也多了一笔稳定币，可以再决定是持有、储蓄还是拿去别的 DeFi 场景使用。对长期持有 ETH 的人来说，这个选择本身就有价值。
它当然不是免费提款机。官方说的 0% 是常规年化借款利率；开仓、还款有费用，ETH 价格下跌时，抵押仓位也会承受压力。现在看到的 FXN 奖励，同样会随活动和市场变化。真要用，抵押率留多少余地，比宣传页上那个 APR 更值得认真想。
也正因为如此，我看 fxUSD 的 $85M 流通量，不会只把它当作“又有多少人来挖奖励”。我想知道其中有多少人，是确实需要“保留 ETH，同时得到稳定币”这条路径。
这个需求如果成立，fxMINT 就不只是一个短期铸币入口。用户会反复回来借、还、调整仓位，fxUSD 也会随着这些真实操作流动起来。
稳定币最后要服务的，还是人的资金安排。把这件事做好，比单纯把供应量冲得更高难得多，也更值得关注。 > 引用 @protocol_fx: $85M fxUSD in circulation.
$80M felt like a milestone. $85M feels like a trend.
fxUSD supply is still climbing, and nothing is being paid to make it happen. People want a dollar that stays a dollar, and they're minting it.
Hold it. Earn on it in fxSAVE. Borrow it against ETH or BTC in fxMINT. https://x.com/publicitsx/status/2103833454236590316
## @Mrbrothergay_ (Web3刀哥) · 09-26 13:10 · ♥87 ↻1 💬49 看 fxMINT 时，我有个很直接的感受：借款成本终于可以用一种比较容易理解的方式来讨论了。
传统链上借贷的利率会随资金利用率变化。借的时候觉得还能接受，过一段时间再看，资金成本可能已经不是最初那个数。对于想长期持有 ETH、只是临时需要稳定币的人，这种不确定性挺烦的。
@protocol_fx 的 fxMINT 把常规年化借款利率设为 0%，主要通过开仓和还款时的一次性费用收费。官方文档也把费用列了出来。这不是说借钱完全免费，更不是让人不用管抵押风险；它的好处在于，用户至少可以先把正常情况下的成本结构看明白，再决定这笔借款要不要做。
我觉得这是很好的产品表达。DeFi 有时喜欢把一个简单需求包上很多术语，用户研究半天，还不知道自己到底要付多少钱。f(x) 这套方式，让“我想继续拿着 ETH，同时借一笔稳定币”变得比较好计算、好解释。
当前 FXN 激励会进一步吸引人体验 fxMINT，但我不会把浮动 APR 当作这个产品唯一的优点。奖励调整之后，清楚的成本结构仍然有价值；能够预先理解规则，也会让用户更愿意留下来。
fxUSD 流通量来到 $85M，我更愿意把它看成这种产品选择逐渐被市场接受，而不只是一个漂亮的供应量数字。 > 引用 @protocol_fx: $85M fxUSD in circulation.
$80M felt like a milestone. $85M feels like a trend.
fxUSD supply is still climbing, and nothing is being paid to make it happen. People want a dollar that stays a dollar, and they're minting it.
Hold it. Earn on it in fxSAVE. Borrow it against ETH or BTC in fxMINT. https://x.com/Mrbrothergay_/status/2103834571016159595
## @tangls717 (汤老湿) · 09-26 13:05 · ♥87 ↻1 💬47 刚看到 fxMINT 的 0% 常规年化借款利率和当前 FXN 激励，确实很容易把 @protocol_fx 理解成又一个吸引资金的收益活动。我一开始也会这样想。但把产品路径多看一遍，会发现激励只是用户进来的理由之一。
ETH 持有人不想卖币，可以通过抵押铸出 fxUSD；拿到 fxUSD 后，可以考虑 fxSAVE，也可以根据具体市场规则进入其他 DeFi 场景。需要不同收益安排的人，能研究 Pendle 上的相关资产；在意链上交易隐私的人，则会关注 RAILGUN 这条使用路径。这些需求未必属于同一个用户，但它们让 fxUSD 不只停在“被铸出来”那一步。
当然，路径多不等于每条都适合自己。借款要看抵押风险和费用，储蓄要看收益来源与退出规则，外部市场要看清算条件和流动性。尤其是当前约 10% 的 FXN 激励，不能拿来当永久收益计算。
fxUSD 流通量来到 $85M，我觉得正适合把这些问题摊开看。增长说明产品正在吸引人，接下来更有说服力的，是用户在奖励之外也找得到使用它的理由。
一枚稳定币真正长大，不靠所有人都来铸一次；靠的是不同的人，在需要用钱的各个环节，还愿意继续选它。 > 引用 @protocol_fx: $85M fxUSD in circulation.
$80M felt like a milestone. $85M feels like a trend.
fxUSD supply is still climbing, and nothing is being paid to make it happen. People want a dollar that stays a dollar, and they're minting it.
Hold it. Earn on it in fxSAVE. Borrow it against ETH or BTC in fxMINT. https://x.com/tangls717/status/2103833416429089103
## @995995king (Crypto995 | XT 8周年 - Build the NeXT🎉) · 09-26 13:09 · ♥88 ↻1 💬45 fxUSD 到 $85M，我觉得 @protocol_fx 最值得夸的一点，是它把一个很常见、却一直有点难受的选择处理得更顺了。
很多人长期拿着 ETH，不代表他们任何时候都不需要现金。碰上别的机会、要调整资金，或者只是想留一笔稳定币备用，直接卖 ETH 最方便，却也意味着原来的持仓没了。过段时间如果还想买回来，又得重新纠结价格。
fxMINT 给了另一种安排：用 ETH 做抵押，铸出 fxUSD。你仍然持有 ETH 的价格敞口，同时得到一笔可以调度的稳定币。对真正需要流动性的人来说，这比一句“提高资金效率”具体多了，因为它解决的就是卖与不卖之间的矛盾。
我喜欢 f(x) 没把故事停在铸造这一步。拿到 fxUSD 后，可以继续了解 fxSAVE，也有其他 DeFi 市场可用。产品之间能接得上，用户才不用刚走完第一步，就开始四处找下一步怎么走。
当然，抵押仓位要留足安全空间，0% 常规年化借款利率也不代表零费用。但规则讲清楚以后，我反而更愿意看这种产品：它没有替用户决定该不该卖 ETH，而是把选择权交还给用户。
$85M 是流通量，也是越来越多人开始认真使用这条路径的一个信号。这比单纯多出一枚稳定币，更让我对 fxUSD 有兴趣。 > 引用 @protocol_fx: $85M fxUSD in circulation.
$80M felt like a milestone. $85M feels like a trend.
fxUSD supply is still climbing, and nothing is being paid to make it happen. People want a dollar that stays a dollar, and they're minting it.
Hold it. Earn on it in fxSAVE. Borrow it against ETH or BTC in fxMINT. https://x.com/995995king/status/2103834424068731016
## @John10080341551 (John Saylor) · 09-26 08:31 · ♥73 ↻9 💬27 ● 🧑💻 2026 DeFi losses still start with people - phishing, fake support, stolen seeds - not fancy contract bugs. ● 🔗 After the sale, they want EVM and non-EVM rails. Liquidity hunt off one chain. Roadmap talk. ● ⟠ Ethereum’s Hegotá pile is in review. Quantum-resistant base layer still a decade-end story. ● 🧑💻 The drain still starts with a human. The next ETH fork is homework. #DeFi #Ethereum #Crypto https://x.com/John10080341551/status/2103764489011073314
## @zordcrypt (ZORD CRYPT) · 09-26 11:28 · ♥78 ↻2 💬31 Been exploring @wardenprotocol Token Terminal that went live yesterday.
To be honest, this is nice if you are a trader.
This is how it works:
We all know a lot of on-chain trades still mean five tabs: a screener, a scanner, an explorer, a bridge, and then a DEX. @Wardenprotocol Token Terminal puts find, check, and buy on one screen.
You can trade memes, AI tokens, DeFi, stables, tokenized stocks, and RWAs across Base, BNB Chain, Robinhood Chain, and Arc. More chains are coming.
Pulse is the live feed. → New kids show pools the second they hit the chain. → What’s hot flags volume and buyers accelerating now. → Signal highlights names with real buying and some depth. → Filters cut by chain, size, liquidity, age, and category. → Movers lists ignore copycats and one-day honeypots.
Open a token and the buy button sits next to the chart, holders, and tape.
Before you click: an 18-point safety scan in plain English (taxes, mint, hidden owner, locked LP, top holders) and an optional Halo AI read for $0.10.
Swaps are gasless and cross-chain. Pay with what you already hold.
No seed phrase required if you sign in with email, Google, X, or a passkey. Keys stay yours.
Top Cooks ranks wallets by real PnL, not follower count. Follow them, see what they are buying, and filter for tokens that 10+ of them already hold.
Fees from every trade buy back $WARD. Season 1 points pay you for volume, streaks, and referrals.
Mobile browser works today; native apps land in Q4.
One terminal. Check it. Trade it. The scan is a first pass, not a substitute for your own call.
Also, I got in on the $ORBIO dip using this, called at $12M, went as high as $87M market cap.
This stuff makes trading swift and easy for real.
Join in using my referral: https://t.co/yvpTXMd51Z https://x.com/zordcrypt/status/2103808969277943953
## @cihan0xeth (Cihan0x.ETH) · 09-26 11:54 · ♥75 ↻4 💬6 $AAVE’yi 80$ civarında almıştık. Bana göre DeFi’nin en önemli kredi altyapılarından biri, değerleme açısından geri planda kalmıştı.
Bugün Coinbase’in tokenlaştırdığı Apple, NVIDIA ve Alphabet dahil yedi hisse, Base üzerindeki Aave V4’te teminat olarak kullanılabiliyor. ABD dışındaki uygun kullanıcılar, hisselerini satmadan USDC borç alabiliyor.
Hisseler niye zincire geliyor diye soruyordum ya? İşte somut cevap: Hisse artık teminat olabiliyor! Bu sizin için belki önemsiz ama büyük oyuncular için çok önemli... Adam en güvenilir hisseyi alıp teminat göstererek USDC alabilir ve kriptoda likidite artar...
Bana göre DeFi, değerlendirilecek en mantıklı alanlardan biri. AAVE kredi tarafında bunun örneğini gösterdi. $UNI takas, $MORPHO kredi, $PENDLE getiri tarafında izlediğim projeler...Sektöre giren para bu projeler üzerinde işlem yapacak hele ki büyük meblağlar ile girenler.... Sağlam olanların hepsi profilimde 'ÖNE ÇIKARILANLAR' kısmında mevcut. > 引用 @aave: Coinbase Tokenized Stocks are live on Aave V4 on @base.
Tokenized stocks are only available in eligible jurisdictions outside of the U.S. https://t.co/VOL363Ihd9 https://x.com/cihan0xeth/status/2103815427134492699