# 4.4 Debt Instruments & Securities（票据与债权）

#### 传统痛点

* 债权与票据市场高度分割，跨境清算与转让成本高。\ <br>
* 现有电子化系统封闭，无法与 DeFi 融合。\ <br>

#### XUnit 解决方案

* NFT 映射票据/债权：每一张票据或债权份额生成 MPU-NFT，绑定到期日、票息等条款。\ <br>
* 智能合约结算：票息与本金偿付由智能合约自动分配至 NFT 持有者。\ <br>
* DeFi 融合：NFT 可拆分为 F-NFT，在 DEX 上流通，或作为抵押品进入借贷市场。\ <br>

#### 价值释放

* 降低债权融资与转让门槛，提升二级市场流动性。\ <br>
* 实现链上信用产品的透明化与自动化结算。\ <br>
* 为 DeFi 引入真实收益资产，增强金融体系稳健性。


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