所有基础的BTC都由Lorenzo保管和管理； b. 当链上流动性不足时，借贷协议可以通过Lorenzo的官方平台赎回基 | Mnmahfuz发布于币安广场

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所有基础的BTC都由Lorenzo保管和管理；b. 当链上流动性不足时，借贷协议可以通过Lorenzo的官方平台赎回基础BTC以完成清算；
c. 在接下来的几天里，Lorenzo还将增加在DEX上的enzoBTC流动性，进一步降低清算风险。
@Lorenzo Protocol 
$BANK #lorenzoprotocol  

免责声明：含第三方意见，不构成财务建议，并且可能包含赞助内容。详见《条款和条件》。

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As for those who, due to conflicts of interest or because they failed to receive “protection fees,” are taking this opportunity to spread FUD about Lorenzo and enzoBTC — I can only quote the ancient saying: “The noble person is open and at ease; the petty person is forever anxious and resentful.” Deliberately creating panic during market turmoil to profit personally is the most despicable way to make money. @Lorenzo Protocol $BANK #lorenzoprotocol

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As for those who, due to conflicts of interest or because they failed to receive “protection fees,” are taking this opportunity to spread FUD about Lorenzo and enzoBTC — I can only quote the ancient saying: “The noble person is open and at ease; the petty person is forever anxious and resentful.” Deliberately creating panic during market turmoil to profit personally is the most despicable way to make money. @Lorenzo Protocol $BANK #lorenzoprotocol

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Can enzoBTC be liquidated? At present, the LTV (loan-to-value ratio) of enzoBTC borrowers across various lending protocols has not yet reached the liquidation threshold, so no bad debt has been generated. If liquidation becomes necessary in the future, enzoBTC can of course be liquidated: a. All underlying BTC is held and managed under Lorenzo’s custody; b. When on-chain liquidity is insufficient, lending protocols can redeem the underlying BTC through Lorenzo’s official platform to complete liquidation; c. In the coming few days, Lorenzo will also increase enzoBTC liquidity on DEXs, further reducing the risk of liquidation. @Lorenzo Protocol $BANK #lorenzoprotocol

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Why do some users still choose to borrow against enzoBTC even in a high-interest-rate environment? After communicating with some of the borrowers, the main reason is a timing mismatch in capital flows. When a lending protocol experiences a panic-driven liquidity outflow of around 40% (far exceeding China’s 7.5% or the historical U.S. peak of ~12.5% reserve ratio), more liquidity needs to be recalled from the market, and this process is not instantaneous. On-chain data currently shows that enzoBTC borrowers are repaying at a rate of $1–5 million per day — which is actually a very fast repayment pace. The market generally believes that “the higher the interest rate, the faster the capital returns,” but under extreme and sudden liquidity contraction, this rule temporarily breaks down. Excessively high interest rates can instead turn originally repayable debt into bad debt. The fact is that enzoBTC borrowers’ debts are still being continuously repaid — it’s not that they refuse to repay, but that repayment has not yet been fully completed. @Lorenzo Protocol $BANK #lorenzoprotocol

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Why might LPs in a decentralized lending protocol temporarily be unable to withdraw their funds? Lending protocols are essentially similar to banks — when liquidity is ample, deposits can indeed be withdrawn at any time. However, because the funds need to be lent out to generate yield, the protocol does not keep 100% of deposits in reserve. Take the U.S. banking system as an example: before 2020, the statutory reserve requirement was around 10%, meaning that if more than 10% of deposits were withdrawn simultaneously, a bank could run out of cash on hand. But this does not equate to a “collapse” or “bank run failure.” Historically, major banks such as J.P. Morgan, Credit Suisse, and HSBC have all faced intense deposit runs, yet they survived by restoring liquidity and rebuilding market confidence. @Lorenzo Protocol $BANK #lorenzoprotocol

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