深链对话Ana Andria:Akropolis何以成为“波卡生态第一Defi”?_组织_ag8官方网站_亚游娱乐

时间:2019-07-17 15:15:15 作者:ag8官方网站_亚游娱乐 热度:99℃
ag8官方网站_亚游娱乐 原标题:深链对话Ana Andria:Akropolis何以成为“波卡生态第一Defi”? 对于每个不使用或不信任银行系统的人来说,它解决了非正规金融组织之间的创造和互动问题。 7月15日,有“波卡生态第一Defi”之称的Akropolis的CEO Ana Andria 做客深链财经线上沙龙。以下为Ana Andria的分享内容及问答整理,深链财经略有编辑。 【深链原创】 文丨门人 Ana Andria:在进入加密货币领域之前我的职业生涯大部分时间都花在投资银行和资产管理上。我从投资银行转向对冲基金领域,再然后是加入雷曼兄弟公司从事私募股权。 Akropolis是一项为数十亿美元非正规经济打造的金融协议。这是什么意思? 对于每个不使用或不信任银行系统的人来说,它解决了非正规金融组织之间的创造和互动问题。未来,人们将能够创建自己的数字组织,它将帮助人们在不依赖银行的情况下储蓄、投资、获得保险或开展业务。 问答环节 深链财经:首先,Akropolis的主要特点是什么?当前的中心化金融存在哪些问题需要去中心化金融系统来解决?去中心化金融系统中有哪些问题是去中心化金融系统无法解决的? Ana Andria:我们愿景的主要是在社区模型的基础上考虑去中心化金融,而不是个人的互动模式。我们相信,经济的本质是人们通过合作、互助和集体努力来以实现财务目标。除此之外,我们还认为真正的社会保障是以社区为基础的,而政府和商业公司并不是这个市场上唯一的参与者。根据这一愿景,我们开发了一个可定制的组(DAO)模型,可以适应特定情况。 深链财经:DeFi面临最大的问题,可能来自监管,Akropolis如何适应当下的监管需求,比如牌照、税收、证券分类? 展开全文 Ana Andria:目前,对DAO没有明确的规定。研究Akropolis网络的目标市场,我们研究了与已经存在并在经济中广泛采用的DAO最接近的类似物,如合作社,信用合作社,互助网,信贷网络,储蓄组织等。在发达国家,这些组织有一个法律实体。另一种情况是发展中国家,如印度或肯尼亚 ——一些组织具有法律地位,而其他组织仅由当地社区发起,仅基于社会信任。根据这一点,Akropolis可以由拥有法人实体的组织或具有共同目标的简单非正式群体使用。尽管如此,我们会监控有关DAO的监管、税收和许可的所有信息,并与我们的法律合作伙伴保持联系,以便及时响应法律变更。 深链财经:AKT代币在Akropolis内部经济中的作用是什么?和外部稳定币之间存在一个什么样的关系? Ana Andria:我们将Akropolis(AKRO)代币实施到我们的生态系统中,目标有两个:1.解决非正规经济中组织互动中存在的不信任问题;2.实施允许社区z在Akropolis网络中参与重要决策的治理机制。 因此,AKRO代币有两个主要功能——抵押和治理。抵押是社区信任机制的核心部分,旨在解决自治金融组织之间的不信任问题。治理功能归结为参与有关经济参数的投票——稳定费,罚金,网络利率。AKRO代币的价值与外部稳定币无关,可以在市场上建立。 深链财经:轻松创建贷款、提高资本使用率、提升交易透明度,是借贷双方普片关心的问题,Akropolis将如何解决呢? Ana Andria:我们解决了开发Akropolis网络的所有这些问题。通过区块链技术的应用实现交易透明度:任何人都可以查看任何组织或个人的信用记录。贷款申请通过产品设计和底层技术堆栈自动化。通过社区信任模型优化资本利用,该模型可以帮助贷方进行风险评估,并根据实施的社会经济机制对其进行某种保护。 深链财经:纯粹的去中心化应用,很难在合规的金融市场很难得到应用和推广,那么Akropolis怎样结合分布式清算、抵押借贷、稳定币发行、去中心化交易等方面进行落地? Ana Andria:我们不会为所有提到的DeFi子行业制定营销策略。 我们正致力于项目中的用户获取,重点是与目标国家的当地社区和组织合作(肯尼亚,意大利,英国,荷兰)。与这些国家的目标社区相比,Defi用户群很小(这里我指的是使用储蓄组织或合作组织的社区)。除了上述战略之外,我们还致力于从数字社区入手用户,这些用户需要为自己的目的创建DAO风格的组织。 深链财经:目前,链上金融借贷有哪些风险需要迫切解决?譬如技术风险、流动性风险,Akropolis如何帮助用户进行风险评估? Ana Andria:链上贷款存在多种风险:技术风险(黑客),债务违约,基础资产的高波动性,流动性。毫无疑问,所有这些风险都必须得到解决,以制定可靠的财务应用程序,这些应用程序可以被普通人广泛采用,而不是极客。Akropolis使用这些关键方法帮助用户进行风险评估:信用记录的透明度,记录在区块链和社区信任(抵押)机制上,可用作借款人可靠性的指标。 深链财经:在借贷双方之之间,如果借贷者一旦发生违约,拖欠归还代币的日期怎么办? Ana Andria:任何授予的贷款都会承担一定的违约风险。我们制定并实施了多项措施,以简化风险评估并减少我们生态系统中的此类风险。第一个是区块链技术本身 - 所有贷款和还款的历史对每个人都是完全透明的。第二个工具是社区信任机制。它是一种加密经济模型,其目标是选择诚实的借款人协会(行会),其成员对行业的任何成员采取贷款的集体责任。历史证明了这种方法的效率。因此,为了解决这个问题,我们尝试从一个方面简化风险评估,并使用经济模型来降低与其他方面的借款人互动的风险。 深链财经:我知道Akropolis是目前运行在以太坊上的DeFi,它和其它DeFi项目的异同之处是什么? Ana Andria:考虑到以下特点,Akropolis类似于其他DeFi项目: 1.作为其他DeFi项目,我们专注于开发全球可用的金融服务而不依赖于“地理彩票”。 2.我们专注于提供安全,透明 和可靠的金融服务,可与其他DeFi无缝互操作。 Akropolis与大多数DeFi项目的主要区别如下: 1.我们的目标是最终建立Polkadot生态系统 2.我们的愿景是经济的核心部分是自组织社区和社区拥有的共同服务,如储蓄,投资 社会保险,而其他项目主要集中在为个人客户提供价值和服务 3.我们的目标是实体经济的具体部门(非正式储蓄团体,合作社),而其他Defi应用程序主要致力于一些加密经济原型和 发展基础金融服务。 深链财经:Akropolis目前是以太坊上上的DeFi,为什么后面会选择在波卡上运行? Ana Andria:由于几个原因,我们在Polkadot开发了Akropolis。首先,通过使用Polkadot,我们可以与“区块链互联网”进行互动。它允许我们的客户无缝使用在不同区块链(比特币,以太坊,NEO,EOS和许多其他区域)上开发的数字资产和金融Dapps。与仅在以太坊生态系统中使用资产和Dapps的操作相比,这种集成为我们的用户提供了更大的价值。除此之外,我们正在Polkadot生态系统中开发自己的链以降低交易成本,如果我们说在以太坊上大规模采用我们的项目,成本相对较高。目前,我们在以太坊上开发了MVP,以便在市场上和第一批用户身上进行测试。但是,我们准备在Polkadot主网发布后把所有必要的东西迁移到上面。 深链财经:Akropolis里面有一个内部的经济系统,可以介绍一下内部的经济系统吗? Ana Andria:Akropolis的内部经济体系设计有三个目标:1.解决交易双方之间的不信任问题;2.以平衡所有关键网络参与者的利益;3.促进生态系统的可持续有机增长。 为了实现这些目标,我们设计了AKRO代币和相关机制。AKRO代币用于抵押(社区信任)和参与治理。 深链财经:目前DeFi市场的供需关系是怎样的?什么样的借贷率可以改善供需关系的不平衡? Ana Andria:回答这个问题,我想只关注稳定币(DAI和USDC),因为根据已发放贷款的数量,这些资产在DeFi市场中最受欢迎。在我看来,目前DeFi市场对稳定币的需求高于供应量。它通过贷款利率来表示,例如对于借入DAI稳定币的混合利率每年约为14%,这显着高于传统的法定市场(考虑到发达国家)。关于改善供需不平衡的最优贷款利率,我认为很难用理论方法找到它。最优惠的贷款利率必须由市场找到。在Akropolis网络中,我们实施了一个名为infra-network利率的特殊变量,这是利率的上限,可以应用于我们系统中的贷款。此变量的此值由Akropolis代币持有者在治理流程中建立。 英文版 Ana Andria:Pre crypto I spent most of my career in investment banking and asset management. I moved from investment banking to the hedge fund space and then private equity in Lehman brothers. I'm a CEO of Akropolis, a financial protocol for multi-billion-dollar informal economy. What does it mean? Everybody that doesn't use or doesnt trust the banking system. It addresses problems of creation and interaction between informal financial organizations. In future people will be able to start their own digital organization. It will help them to save, invest, get insurance or do business together without relying on banks. ask and answer Deepchain:First ,what are the main features of Akropolis? What are problems existing in the current centralized finance that need to be solved by the decentralized financial system? And what are the problems in the decentralized financial system that cannot be solved by itself? Ana Andria:The main feature in our vision is that we consider decentralized finance on basis of community-based model, not on model of interaction with individual person. We believe, that nature of economy is people's cooperation, mutual aid and collective efforts to achieve finance goals. Besides this, we share vision that real social security is community-based and governments and commerical companies are not the only players on this market. According to this vision, we developed customazible group (DAO) model that can be fitted to particular situations. Deepchain:The biggest problem DeFi is facing probably comes from regulation. So, How does Akropolis adapt to current regulatory requirements on areas like licenses, taxes, and securities classifications? Ana Andria:Currently there is no clear regulation of DAOs. Researching target markets for Akropolis network, we studied closest analogs to DAOs that already exists and are widely adopted in economy, such as cooperatives, credit unions, mutuals, credit networks, savings groups and some others. In developed countries such organizations have legal entity. The other situation is in developing countries, such as India or Kenya - some organizations have legal status while others are simply launched by local communities and are based only on social trust. According to this, Akropolis can be used by an organization that have legal entity or by simple informal group of people with mutual goals. Nevertheless, we monitor all information regarding regulation, taxation and licensing of DAOs and stay in touch with our legal partners to for timely response to changes in legislation. Deepchain:What is the role of the AKT token in Akropolis's internal economy and what’s the relationship between the AKT token and the external stablecoins? Ana Andria:We implemented Akropolis (AKRO) token into our ecosystem with two goals: 1.To solve problem of mistrust, existing in the interaction of organizations in the informal economy 2.To implement governance mechanic which allows community participate in decision making regarding important economic parameters of Akropolis network. So, AKRO token has two principal functions - staking and governance. Staking is a core part of Community Trust mechanicsm, that is implemented to solve the problem of mistrust between Autonomous Financial Organizations. Governance function comes down to participating in voting regarding economic parameters - stability fee, penalty fee, infra-network interest rate. Value of AKRO token is not linked to external stablecoin and can will be established on a market. Deepchain:We all know that how to make the loan application easier, how to optimise capital utilization, how to improve transaction transparency are the main issues that both lenders and borrowers care about. The question is, how will Akropolis address these issues? Ana Andria:We addressed all these issues developing the Akropolis network. Transaction transparency is achieved by application of blockchain technology: anyone can check credit history of any organization or individual. Loan application is automated by product design and underlying stack of technologies. Capital utilization is optimized by means of Community trust model that helps lenders with risk assessment and also work as some kind of protection to them, based on implemented socio-economic mechanics. Deepchain:We know that it difficult to apply and promote a pure decentralized applications in a compliant financial market. So, what are Akropolis’ solutions to this in terms of distributed clearing, mortgage lending, stablecoin issuance, decentralized trading, etc? Ana Andria:We are not working on marketing strategies for all mentioned sub-sectors of DeFi. We are working on user aquistion in our project, focused on working with local communities and organizations in target countries (Kenya, cooperative networks in Italy, The UK, Netherlands). The DeFi user base is tiny in comparison with target communitites in these countries (here I mean communitities using savings groups or cooperative organizations). Besides mentioned strategy, we are also working on onboarding users from digital communities, which have demand to create a DAO-style organizations for their own purposes. Deepchain:At present, what are the urgent risks of financial lending on the chain that need to be solved? Such as technical risks, liquidity risks. And how does Akropolis help users with risk assessment? Ana Andria:There are several risks of on-chain lending: technical risks (hacks), debt default, high volatility of base asset, liquidity. No doubts, all these risks have to be solved to make reliable finance applications that can be widely adopted by ordinary people, not geeks. Akropolis helps users with risk assessment using these key approaches: transparency of credit history, recorded on blockchain and Community Trust (staking) mechanism, that can be used as indicator of borrowers reliability. Deepchain:How do you deal with the delay in the returning of token in the event of default by borrowers? Ana Andria:Good question. Any granted loan is exposured to a certain risk of default. We developed and implemented several measures to simplify risk assesment and decrease such kind of risk in our ecosystem. First one is blockchain technology itself- history of all loans and repayments is fully transparent for everyone. Second tool is Community Trust mechanism. It is cryptoeconomic model, implemented with a goal to select honest assocations of borrowers (Guilds), members of whicn have collective responsibility for loans, taken by any member of a Guild. The efficiency of such approach is historically proven. So, to solve this problem we try to simplify risk assesment from one side and use economic model to decrease risk of interactions with borrowers from others side. Deepchain:We know that Akropolis is currently a DeFi running on Eth What is the similarities and differences between it and other DeFi projects? Ana Andria: Akropolis is similar to other DeFi project considering following features: 1.as other DeFi projects, we are focused on developing finance services that are available worldwide and not depending on "geographic lottery" 2.we are focused on delivering secure, transparent, and reliable financial services that will seamlessly interoperable with other DeFi. The main difference of Akropolis from majority of DeFi projects is as follows: 1.We aim to finally base Polkadot ecosystem 2.Our vision is that core part of economy are self-organized communities and community-owned mutual services such as savings, investments and social insurance while other project are mostly focused on providing value and service to an individual customer 3.we target concrete sector of real economy (informal savings groups, cooperatives) while other Defi apps are mostly working on some cryptoeconomic primitives and developing basic finance services Deepchain:Akropolis is currently running on the Ethereum. Why do you switch to Polkadot in the future? Ana Andria:We develop Akropolis on Polkadot due to several reasons. First of all, by using Polkadot we can interact with the "Internet of Blockchains". It allows our customers to seamlessly use digital assets and financial dApps, developed on different blockchains (Bitcoin, Ethereum, NEO, EOS and many others). Such integration provides greater value to our users, than operation with assets and dApps only in Ethereum ecosystem. Besides this, we are developing our own chain in Polkadot ecosystem to decrease transactional costs, that are relatively high in Ethereum if we talking about mass adoption of our project. At the current moment we developed our MVP on Ethereum to test it on the market and onboard first users. But, we are also preparing all necessary stuff to migrate to Polkadot after it mainnet launch. Deepchain:Could you give us an brief introduction to the internal economic system in the Acropolis? Ana Andria:Sure. The Internal economic system of Akropolis was designed with three goals: 1.to solve a problem of mistrust between counterparties 2.to balance interest of all key network participants 3.to incentify sustainable organic growth of ecosystem. To achieve these goals we designed AKRO token and related mechanics. The AKRO token is used for staking (Community trust) and participation in governance. Deepchain:What is the current supply -demand relationship in the DeFi market? And what’s the optimal loan rate to improve the imbalance between supply and demand? Ana Andria:Answering this question, I want focus only on stablecoins (DAI and USDC) as these assets are most in demand in the DeFi market, according to the volumes of issued loans. By my opinion, demand for stablecoins in the DeFi market currently is higher that supply. It is indicated by loan rates, for example on Compound the rate to borrow DAI stablecoin is ~14% annual, what is significantly higher than in traditional fiat markets (considering developed countries). Regarding optimal loan rate to improve imbalance between supply and demand I think that it is hard to find it using theoretical approach. Optimal loan rate have to be find by the market. In Akropolis network we implemented special variable called infra-network interest rate that is higher limit of interest rate, that can be applied to a loan in our system. This value of this variable is established in the governance process by Akropolis token holders.返回搜狐,查看更多 责任编辑: