stake vs pledge vs Collateral vs mortgage
- 背景
- Web3的DeFi中，谈及
- 常涉及到多个英文单词
- Stake
- pledge
- collateral
- mortgage
- 下面去研究具体含义和区别
- Pledge vs Stake=Staking
- 概述
- PoS中的质押，应该用：Stake=Staking
- 图解
- 引申
- DeFi中：“质押”一词的含义已扩展到「任何形式的代币锁定」
- 借贷、RWA 协议中，往往用：Pledge（和Mortgage）
- pledge vs collateral
- 相同点
- 都用于担保贷款
- both used in the context of securing a loan
- 区别
- 概述
- 抵押品是作为担保提供的实际资产，而质押是提供资产作为担保的承诺
- 举例
- 当你去银行贷款时，你通常必须拿出房地产或股票之类的东西，并承诺偿还
- 不动产=房子是：质押物=collateral
- 合同是：pledge=质押
- 详解
- Collateral=抵押品=质押=抵押
- 是你用来担保某些东西（比如贷款）的实物
- 抵押品是借款人提供给贷款人作为贷款担保的资产
- Collateral is an asset that a borrower offers to a lender as a security for a loan
- 影响
- 如果借款人不能偿还贷款，贷款人可以扣押抵押品以弥补损失
- If the borrower fails to repay the loan, the lender can seize the collateral to recoup their losses.
- 具体形式
- 抵押品可以有多种形式，如房地产、汽车或其他有价值的资产
- Collateral can take various forms, such as real estate, vehicles, or other valuable assets.
- pledge=质押
- 质押是一种承诺，可以是书面的，也可以不是
- 质押是承诺提供某物作为贷款的担保
- A pledge is a promise to give something as security for a loan
- 这是一种承诺，如果借款人拖欠贷款，将提供资产
- It is a commitment to provide an asset if the borrower defaults on the loan
- 在某些情况下，抵押资产仍由借款人拥有，但如果贷款未偿还，贷款人对其有法律要求
- In some cases, the pledged asset remains in the possession of the borrower, but the lender has a legal claim to it if the loan is not repaid
- pledge vs mortgage vs collateral
- pledge
- collateral
- 抵押品=质押
- 如果借款人不能偿还贷款，贷款人可以扣押抵押品以弥补损失
- mortgage
