区块链行业在2018年开始迅猛发展，表现出了蓬勃的生命力。除了底层公链陆续的主网上线之外，一批面向各种需求的应用也集中开始试运行。

今天想给大家介绍的是QuarkChain生态系统中的一位金融科技领域的伙伴，区块链行业里的“陆金所”：LendChain。

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互联网金融的玩法已经很多，随着区块链技术的日渐成熟，一些在互联网金融领域大获成功的方案开始移植到加密币领域进行“触链创新”。LendChain很明显是其中的先行者，他们动作很快，目前基于加密币的理财产品已经上线，后续会有更多的产品推出。

下载app或是扫描二维码打开H5网页后，可以看到底部两个主要的栏目：一个是理财，另一个是借钱。

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理财部分的创新改变了加密币没有利息的痛点，只要你有闲钱购买LendChain的理财产品可以获得12%-18%年化收益（目前这一期的行情）。比起银行一年期定期存款来说，这个收益非常有竞争力。由于QKC还没有开放理财业务，我们就不多加讨论。

目前开放了抵押QKC借钱业务。借钱有很多原因，但其中一类原因可能是投资人已经重仓了QKC，且对QKC未来的长期增长有信心，但短期发现了更好的投资标的。在没有LendChain之前，这样的人只能望“线”兴叹（这里指交易所K线），但有了LendChain之后就可以有所作为了。所以在这里想把这个金融工具介绍给重仓QKC的小伙伴，感谢你们的信任和支持。

在底栏选择“借钱”后可以看到一个表单：

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在抵押币种栏中可以选择QKC，之后根据个人需要进行选择并填写信息。

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这是一个案例，我准备抵押100QKC，按借款利率0.03%/日贷出ETH。因为这是抵押借贷，我需要给平台抵押一半的QKC。按照今天的QKC/ETH的交易价格，可以贷出0.00646658ETH。

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另一个例子我准备抵押20000QKC，按借款利率0.05%/日贷出USDT（没错，有中英文界面，语言无障碍）。我需要给平台抵押一半的QKC，按照目前QKC/USDT的交易价格，10000枚QKC可买到523.79USDT。我想贷90天（目前平台允许的最长时间），到期的利息是23.57USDT。
填好信息，经平台审核并抵押币之后，你的这个借款需求的广告就会出现在理财页面了。

细心的读者可能注意到了，借款利率是可以调的。这个设计的目的是因为这是p2p的交易，借款人可以通过设立较高的借款利率来吸引别人借出款项。

当然，如果你是借出USDT来炒币的话要注意风险（使用了金融杠杠），风险来自于两个方面。一个是你炒币亏了没钱赎回QKC了；另一个风险是QKC/USDT价格大幅下跌，比如上文案列中抵押的20000QKC的价值小于523.79USDT，平台会结束借贷合同，把你的QKC划给债权人。

跟陆金所一样，平台作为中间人和管理员只收取一点点手续费。后面LendChain还将开放QKC的理财业务，持有QKC的小伙伴多关注哦。

Translation:

In 2018, blockchain industry is developing rapidly. In addition to regularly learn the news from different public chains ( such as their mainnet lunched), a number of demand-oriented applications are also on trial run.

Here, I'd like to introduce an interesting product: LendChain, a partner of the QuarkChain.
Finance is a large area, and there are enormous needs everyday. With the maturity of block chain technology, some successful examples and services in the field can be transplanted to the field of blockchain, so called "touch chain innovation". LendChain is clearly one of the forerunners, and they're moving fast. Now their blockchain based financial products are ready to use, and more to come.

When you download LendChain app or scan a two-dimensional code to open their H5 page, you can see the two main columns at the bottom of page: one is financing, the other is lending.

financining

Unlike you can put your flat money into a bank and obtain interest, there is no bank and no interest in cryptocurrency world (yet). LendChain wants to change that. Thur financing function, you give your BTC to LendChain and they will use it to Invest with 12% - 18% annualized returns for you.

lending

At present, mortgage QKC has been opened to borrow ETH. There are many reasons to borrow money or cryptocurrency, but one of them could be that investors have purchased QKC and are very confident that QKC will grow up with the long term run, but they may find there are better investment targets in the short term. In general case, people have nothing to do because their ETH is "fixed" inside QKC. But with Lend Chain, this situation may change. Here I would like to show you how to mortgage QKC.

You can see a form when you end the lending section.

QKC can be selected inside the mortgage currency column, and then according to your individual needs to fill in other information.

Give one example: I am going to mortgage 100QKC for ETH with interest rate 0.03%/ day. Because this is a mortgage loan, I need to lock half of the QKC. According to QKC/ETH trading price, 0.00646658ETH can be released.

Another example: I'm going to mortgage 20,000 QKC for USDT with a rate of 0.05% / day (yes, there's both Chinese or English interface, no language barriers). I still need to mortgage half of the QKC to the platform. A popular trading price of QKC / USDT, 10,000 QKC to 523.79 USDT will automatically fill in. I need these USDTs for 90 days (the longest time allowed by the platform), and the interest is 23.57USDT.

Fill in the required information and submit your form, then your post for the borrowing needs will appear on the finance page. Readers may notice that interest are adjustable. That is right, because this is P2P business, borrowers can encourage others to lend by setting higher interest rates.

Of course, if you are borrowing USDT you should pay attention to the risk. If the price of QKC/USDT falls sharply, the platform will terminate the loan contract and transfer your QKC to the creditors.

Like other financial service, the platform only charges a small fee as intermediary. Later LendChain will also open up QKC based financial service, get some award for holding QKC.