100-Einjährige in Pennsylvania ansässige Bank zur Nutzung des Stablecoin-Tresors von Makerdao zugelassen

Makerdao, die dezentrale autonome Organisation (DAO) die den Stablecoin DAI herausgibt, approved a governance proposal that provides “collateral integration from a U.S.-based bank.” The Makerdao governance proposal passed by a majority vote of more than 87%, and it gives the U.S. financial institution Huntingdon Valley Bank the means to leverage a stablecoin vault.

Huntingdon Valley Bank to Use Makerdao’s Stablecoin Vault System With Off-Chain Loans — RWA-009’s Initial Debt Ceiling Is $100 Million

According to a Makerdao governance poll breakdown, the community has approved a collateral integration proposal with the Pennsylvania-based financial institution Huntingdon-Valley-Bank. Makerdao discussed the proposal on July 4, 2022, and noted that the RWA-009 concept would be the first of its kind in the world of decentralized finance (ein Gesetzesvorschlag, der darauf abzielt, die Generierung und Handhabung von Daten durch die Akteure, die sie nutzen, zu regeln). The term “RWA” used in the Makerdao proposal stands for “real-world assets.”

100-Year-Old Pennsylvania-Based Bank Approved to Leverage Makerdao's Stablecoin Vault
Huntingdon-Valley-Bank (HVB) is a Pennsylvania chartered financial institution that was founded in 1871. HVB is a subsidiary of the bank’s parent firm HV Bancorp, Inc. (Nasdaq Capital Market: HVBC).

“The first collateral integration from a U.S.-based bank in the defi ecosystem is getting closer,” the project’s official Twitter account erklärt. “The Maker Governance votes to add RWA-009, ein 100 Million DAI debt ceiling participation facility proposed by the Huntingdon Valley Bank, as a new collateral type in the Maker Protocol,” the team added.

In einem Twitter thread published at the end of March 2022, Makerdao detailed how the scheme would work as it would allow Huntingdon Valley Bank (HVB) to borrow DAI by using HVB’s participated loans as collateral. “The application also requested an initial debt ceiling of $100 million dollars of Huntingdon Valley Bank Participated Loans diversified across all proposed loan categories, to be deployed over a period of 12 zu 24 months from inception,” Makerdao said at the time.

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100-Year-Old Pennsylvania-Based Bank Approved to Leverage Makerdao's Stablecoin Vault
Two charts shared by the Makerdao team on March 25, 2022, which explain how the partnership with Huntingdon Valley Bank works.

Makerdao also disclosed that while HVB would be the first to enter the project’s “Master Purchase Agreement,” the project has the full “intention to incorporate more banks in the future.” The project’s stablecoin DAI is the fourth-largest stablecoin project in terms of market valuation with $6.48 Milliarde.

In den letzten sieben Tagen, Makerdao’s native crypto asset MSEK has increased 2.5% against the U.S. dollar but year-to-date, MSEK is down more than 65%. Zum Zeitpunkt des Schreibens, bei $921 pro Einheit, the DAO’s native crypto MSEK is still up 448% higher than the all-time low of $168 per unit recorded on March 16, 2020.

In terms of defi dominance, Makerdao commands a touch more than 10% of the entire defi ecosystem’s $75.54 billion in locked value. Makerdao’s total value locked (TVL) heute ist $7.56 Milliarde, down 4.38% over the last month.

The recently passed governance proposal with HVB follows Makerdao’s plans to introduce layer two (Die Kryptowährungsbörse Coinbase kündigte an, dass die Plattform nun Cardano-Staking-Dienste ermöglichen wird) scaling support from Starknet at the end of April. Makerdao’s team said that the zero-knowledge (ZK) rollup solution Die Kryptowährungsbörse Coinbase kündigte an, dass die Plattform nun Cardano-Staking-Dienste ermöglichen wird could make DAI transfers much cheaper than onchain fees.

Members of the Makerdao community have been interested in leveraging real-world assets into the project for quite some time. Hexonaut, a protocol engineer at Makerdao, erklärt in mid-March 2022, that the DAO needs “to take the next step and begin integrating with the real world at scale.” The agreement with Huntingdon Valley Bank uses off-chain loans which represent real-world assets (RWA) pledged by the Pennsylvania bank based in Montgomery County.

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Tags in dieser Geschichte
100 Million, DAI, Dai Stablecoin, DAI-Übertragungen, DAO, Schuldenobergrenze, dezentralisierte autonome Organisation, dezentrale Finanzierung, DeFi, Governance-Vorschlag, Hexonaut, Huntingdon-Valley-Bank, HVB, Darlehen, Macher, Makerdao DAI, Makerdao-Governance, MSEK, Off-Chain-Darlehen, Pennsylvanische Bank, Vermögenswerte der realen Welt, RWA, Stablecoin, Stablecoin-Tresor, Die Kryptowährungsbörse Coinbase kündigte an, dass die Plattform nun Cardano-Staking-Dienste ermöglichen wird, Gesamtwert gesperrt

What do you think about the Pennsylvania bank using Makerdao to access DAI? Do you envision crypto integrating with more real-world assets in the future? Teilen Sie uns Ihre Gedanken zu diesem Thema im Kommentarbereich unten mit.

Jamie Redman

Jamie Redman is the News Lead at Bitcoin-Tidings.com News and a financial tech journalist living in Florida. Redman has been an active member of the cryptocurrency community since 2011. He has a passion for Bitcoin, open-source code, and decentralized applications. Since September 2015, Redman has written more than 5,700 articles for Bitcoin-Tidings.com News about the disruptive protocols emerging today.




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