Pharos Network推出Axil Prime信貸金庫，向鏈上儲戶開放機構級私募信貸策略
- 核心观点：Pharos Network 推出 Axil Prime Credit Vault（APC），这是一个链上机构级私募信贷策略，旨在将此前仅面向机构的信贷资产开放给广泛链上储户，目标年化收益率约为 14.3%，总募集额上限为 1 亿 USDC。
- 关键要素：
- APC 通过 OKX Wallet、Binance Wallet 等主流平台分发，目标收益率由私募信贷组合收益及 Pharos 原生代币激励组成，锚定真实信贷市场而非代币投机。
- 私募信贷市场正快速增长，机构资金以千亿美元规模配置，但散户长期无法参与；APC 打破这一格局，将优质信贷机会开放给中小投资者。
- APC 由 Axil 管理信贷策略，通过 Pharos 网络的 R25 协议部署，实现链下资产与链上资金的安全对接，三方角色分工明确。
- Pharos 此前运营的 pAlpha 金库未发生安全事件，APC 沿用同等风控标准，储户可用原生 USDC 或跨链 USDC 参与认购，降低资金摩擦。
- 该金库将于 7 月 15 日开放，遵循“早存多享”原则，早参与储户可累计更多收益天数，提升整体回报。
Pharos Network, a Layer 1 public chain focused on RealFi and Artificial Intelligence, announced today the official launch of the Axil Prime Credit Vault (hereinafter "APC").
This vault is an institutional-grade private credit strategy fully operated on-chain, aiming to open up high-quality credit asset classes, previously only available to large funds, family offices, and institutional trading desks, to a wider range of on-chain depositors. APC will be distributed via mainstream platforms such as OKX Wallet, Binance Wallet, TopNod, and Kucoin Wallet, with a target annualized percentage yield (APY) of approximately 14.3% and a total fundraising cap of 100 million USDC.
Private credit has become one of the fastest-growing financial sectors globally, with institutional funds continuously allocating hundreds of billions of dollars to this asset class in search of diversified returns with low correlation to public markets. However, retail and small to medium-sized investors have long been effectively barred from participating in this market, with high-quality credit opportunities strictly limited to a select few professional institutions. The launch of APC is set to completely break this pattern from the distribution end.
Pharos co-founder and CEO Wish Wu stated: "Institutions and professional investors have always had priority access to the best private credit opportunities. Pharos is dedicated to bridging the gap between RealFi value and real users. No more 'point farming' or inflationary token rewards, but rather cash flows rooted in the real-world consumer credit that every user encounters daily."
The Axil Prime Credit Vault provides access to a diversified private credit portfolio through institutional-grade infrastructure. Its target yield consists of two parts: returns from the underlying private credit portfolio and ecological incentives from Pharos's native token $PROS + USDC. This yield characteristic is directly pegged to the real-world credit market, rather than relying on crypto-native token inflation or speculative trading.
APC is fully managed by Axil and deployed via the R25 protocol on the Pharos network. The roles of the three parties are clear: Pharos acts as the distribution and settlement layer, providing a convenient entry point for RealFi users; Axil serves as the credit manager and vault operator, responsible for portfolio construction and credit strategy execution; and the R25 protocol provides the Real World Asset (RWA) infrastructure, ensuring secure connectivity between on-chain funds and off-chain credit assets.
Prior to the launch of APC, Pharos successfully operated the pAlpha Vault, which also focused on real yields and experienced zero security incidents throughout its entire lifecycle. APC adopts equally rigorous risk controls and operational standards, extending the proven security framework to the private credit field. Depositors can participate using Pharos's native USDC (supported by Circle) or USDC assets bridged from Ethereum, significantly reducing the friction costs of cross-network fund transfers. APC is open to qualified users via leading platforms such as OKX Wallet, Binance Wallet, TopNod, and Kucoin Wallet, with distribution extending beyond a single ecosystem.
The vault will officially open to the public on July 15th, with a total fundraising target of 100 million USDC. Following the principle of "deposit early, earn more," the earlier depositors participate, the more days they accumulate earnings before the lock-in period officially begins, potentially leading to higher overall returns.
About Pharos
Pharos is an EVM-compatible Layer 1 public chain focused on RealFi, designed for institutional-grade assets, compliant finance, and global capital liquidity. To synergize on-chain real financial activities, Pharos deeply integrates deep parallel execution, modular Special Processing Networks, and protocol-level compliance infrastructure. It incorporates ZK-KYC/AML mechanisms, AsyncBFT consensus, and a dualVM (simultaneously compatible with EVM and WASM) to support RWA, stablecoins, cross-border settlements, on-chain yield markets, and programmable financial products at an internet-scale volume. Pharos has established partnerships with several leading global financial institutions, including Circle, Chainlink, Anchorage Digital, Morpho, and Centrifuge, bridging regulated capital markets with on-chain liquidity venues, enabling real-world assets to be deployed into strategies that generate real yields. Pharos is founded by former core management and technical teams from Ant Group, with investments from global financial institutions and infrastructure providers including Hack VC, Faction VC, Sumitomo Corporation, Flow Traders, and SNZ.
About Axil
Axil is an institutional-grade RWA risk management service provider. Its team brings together seasoned professionals from BlackRock, HSBC, and HashKey. Axil specializes in structuring and curating private credit strategies for emerging markets, utilizing AI-driven risk assessments and a multi-layered protection framework to achieve sustainable risk-adjusted returns.
About R25
R25 is an on-chain asset management infrastructure for the next generation of finance. The platform deeply integrates diversified strategies with cutting-edge blockchain technology, helping users easily access expert-level on-chain yields.
