<?xml version="1.0" encoding="utf-8" standalone="yes"?><rss version="2.0" xmlns:atom="http://www.w3.org/2005/Atom"><channel><title>Interest-Rate on PlumePHP</title><link>https://plumephp.com/tags/interest-rate/</link><description>Recent content in Interest-Rate on PlumePHP</description><generator>Hugo</generator><language>zh-CN</language><lastBuildDate>Wed, 30 Sep 2026 10:00:00 +0800</lastBuildDate><atom:link href="https://plumephp.com/tags/interest-rate/index.xml" rel="self" type="application/rss+xml"/><item><title>DeFi 借贷协议深度：超额抵押、清算与利率模型</title><link>https://plumephp.com/blockchain-lending-defi/</link><pubDate>Wed, 30 Sep 2026 10:00:00 +0800</pubDate><guid>https://plumephp.com/blockchain-lending-defi/</guid><description>&lt;p&gt;链上借贷把「银行中介」替换成了「超额抵押 + 预言机 + 清算激励」三件套：没有信用审查，只有资本充足率。借款前先抵押一笔资产，抵押率一旦跌破阈值，任何人都能触发清算并赚取奖励——这套机制让「无许可借贷」在数学上自洽。&lt;/p&gt;</description></item></channel></rss>