First Lending PoolX Layer 首个 for X Layer Miners矿工借贷池
Lenders earn the fees. Mining rewards repay the loan.出借人赚取费用，挖矿奖励自动偿还贷款。
Advance terms借款条款
Max最高额度 Fee费用- 7 days7 天
- 85%
- 0.75%
- 14 days14 天
- 80%
- 1.5%
TapeOut
X Layer- TapeCode
FabX- TapeKit
BEM- TapeSend
OKX Wallet
LayerZero
02 · HOW IT WORKS02 · 运作方式
Mined on BSC.在 BSC 上挖矿， Lent on X Layer.在 X Layer 上借贷。
Lenders fill one BEM pool. Each miner borrows through their own Rig Agent, and the rig's harvests pay the loan back.出借人共同注资一个 BEM 资金池。每位矿工通过自己的 Rig Agent（矿机代理合约）借款，矿机领取的挖矿收益会自动偿还贷款。
Repay还款
Withdraw提取
X Layer
TapePool
The lender vault出借人金库
BEM in, tpBEM out存入 BEM，获得 tpBEM
ERC-4626 · Withdraw from idle BEMERC-4626 · 从闲置 BEM 中提取
Risk caps风险上限
Supply · Borrow · Per borrower供应 · 借款 · 单个借款人
Loss reserve损失准备金
20% of each fee · Up to 5% of assets每笔费用的 20% · 最高为资产的 5%
Repay还款
Rig Agent
Your own loan contract您专属的贷款合约
RIG vouchersRIG 凭证
Up to 16 · Only you add them最多 16 个 · 仅限本人添加
Sweep归集
Anyone can call · Fee, then principal任何人可调用 · 先付费用，再还本金
Credit rule信用规则
allowTapeOut circuit · eval on X Layer · Fails closedTapeOut 电路 · 在 X Layer 链上执行（eval） · 异常即拒绝
via LayerZero经由 LayerZero
via the BEM bridge经由 BEM 跨链桥
BSC
PodMining · Rig vault · Your rig mines BEM herePodMining · 矿机金库 · 您的矿机在此挖 BEM
03 · LEND03 · 出借
Deposit BEM,存入 BEM， hold tpBEM.持有 tpBEM。
tpBEM is your share of the pool. Its value in BEM grows with every fee a borrower pays.tpBEM 是您在资金池中的份额。借款人每支付一笔费用，它以 BEM 计的价值就随之增长。
Grows with every fee每笔费用都让它增值
Fees accrue to tpBEM holders. 20% of each fee first builds a loss reserve, up to 5% of pool assets.费用累积给 tpBEM 持有人。每笔费用的 20% 先用于建立损失准备金，上限为资金池资产的 5%。
Caps keep exposure small上限控制风险敞口
Deposits stop at a 20 BEM supply cap while the contracts are unaudited. Loans stay within 10 BEM or 70% of assets, whichever is lower.合约未经审计期间，存款达到 20 BEM 供应上限即停止。借款总额不超过 10 BEM 或资产的 70%，以较低者为准。
Withdraw from idle BEM从闲置 BEM 中提取
Withdrawals are paid from BEM that is not lent out. The borrow cap keeps at least 30% of the pool idle.提款由未借出的 BEM 支付。借款上限确保资金池至少 30% 保持闲置。
04 · BORROW04 · 借款
An advance sized by借款额度取决于 what your rig will mine.矿机未来的产出。
Move your RIG voucher into your own Rig Agent and take a BEM advance for 7 or 14 days. The size comes from your rig's base power and the BEM it is expected to mine over the term.把 RIG 凭证转入您自己的 Rig Agent，即可借入期限 7 天或 14 天的 BEM。额度取决于矿机的基础算力，以及它在期限内预计挖出的 BEM。
Debt is the advance plus the flat fee. The fee is the whole cost; repaying early does not reduce it. Minimum advance 0.01 BEM, minimum fee 0.003 BEM.债务 = 借款金额 + 固定费用。费用就是全部成本，提前还款不会减少费用。最低借款 0.01 BEM，最低费用 0.003 BEM。
05 · REPAYMENT05 · 还款
Repayment flows还款 on its own.自动完成。
While your Rig Agent holds the voucher, every harvest of that rig pays its BEM to the agent. Anyone can sweep it into the pool. You can also repay by hand at any time.只要您的 Rig Agent 持有凭证，该矿机每次领取收益都会把 BEM 支付给代理合约，任何人都可以将其归集到资金池。您也可以随时手动还款。
Harvest领取收益
The rig's mined BEM is harvested on BSC and bridged to X Layer.矿机挖出的 BEM 在 BSC 上领取，并跨链到 X Layer。
Rig Agent
Your own contract holds the RIG voucher, so each harvest pays the agent.您自己的合约持有 RIG 凭证，因此每次领取的收益都会支付给代理合约。
Sweep归集
Anyone can call sweep. It pays the fee first, then the principal.任何人都可以调用 sweep：先支付费用，再偿还本金。
Pool资金池
Fees raise the tpBEM value; principal returns to idle BEM.费用提升 tpBEM 价值；本金回到闲置 BEM。
Debt cleared, voucher back to the miner.债务还清，凭证回到矿工手中。 When the debt reaches 0 the loan closes. You release the RIG voucher back to your wallet; BEM that lands after that is yours to claim.债务归零后贷款关闭。您可以把 RIG 凭证取回到钱包；此后到账的 BEM 归您领取。
06 · THE DEEP06 · 深海
No oracle.无预言机。 No auctions.无拍卖。
Debt is in BEM and repaid in BEM, so the BEM price never triggers a liquidation. A slow rig is never seized.债务以 BEM 计价、以 BEM 偿还，因此 BEM 价格永远不会触发清算。产出慢的矿机绝不会被没收。
A slow rig keeps repaying慢速矿机会持续还款
Output can fall. A shortfall at maturity is not a default: the voucher stays in the agent and keeps repaying from harvests. The late fee is 0 at launch.产出可能下降。到期时未还清并不算违约：凭证留在代理合约中，继续用领取的收益还款。上线时滞纳金为 0。
Only an impaired rig can be seized只有受损的矿机才会被没收
Revoked, stopped, rescued or with no base power, proven on-chain. After the flag there is a 72 h cure window to repay, then a 24 h seize window.被撤销、已停止、被 TapeOut 多签强制取回（rescue）或没有基础算力，且须在链上证明。被标记后有 72 小时补救窗口可以还款，之后是 24 小时没收窗口。