What is DIA (DIA)?


DIA (Decentralised Information Asset) is an open-source oracle platform that enables market actors to source, supply and share trustable data.

Decentralised Information Asset (DIA) is a Swiss non-profit association. It is an open-source, data and oracle platform for the DeFi (Decentralised Finance) ecosystem. DIA leverages crypto economic incentives to drive supply, share and use transparent, crowd-verified price data and oracles on financial and digital assets.

On 3 August, DIA announced that they took the first step in decentralising its governance by public distribution of ‘tokens’. This event will provide participants with the opportunity to acquire  DIA’s Governance Tokens. DIA believes in a financial ecosystem that is owned, controlled, and maintained by its users. The DeFi ecosystem infrastructure, which they are trying to create, is governed through a token — the DIA Governance Token — which shall be held by a decentralised community of DIA token-holders and their delegates.

This will be the first public distribution of DIA’s governance token, and it aims to decentralise governance to the broader DeFi and blockchain ecosystem and raise funds for the continued development of the platform.

How to Get DIA Tokens

Step-by-step guide

Note, that the interface to get DIA will be published on Monday August 3 at 3pm CET. It will be shared in all our channels.

1. Set up wallet

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To buy DIA you will need an Ethereum Smart contract enabled wallet. We recommend using  MetaMask,  Trust Wallet, imToken or  Gnosis safe.

Load sufficient USDC to your wallet, open the interface and connect your wallet.

2. Deposit funds in the interface

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Open the ‘Balances’ tab and ‘Enable’ the coin you want to use. Confirm, if prompted. Then deposit your funds by clicking the blue ‘+’.

A pop up will appear that where you can enter the amount that you wish to deposit for the trade. Once it is done return to the “Trade” tab.

3. Place order

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Enter the amount you wish to exchange for DIA into the ‘Sell’ field and the maximum average price you want to pay per token in the ‘Limit Price’ field.

The amount of DIA you will receive will be displayed. Click ‘Submit Limit Order’. The order will appear on the right and is executed when the price matches.

Example Order

  1. Satoshi wants to spend 100 USDC on DIA, but doesn’t want to purchase DIA at a higher average price than USDC 3.
  2. To execute his order, he selects USDC from the dropdown next to the ‘Sell’ field enters 100 in the ‘Sell’ field.
  3. He then enters ‘3’ into the ‘Limit Price’ field — this is the maximum average price of USDC he wants to pay per DIA.
  4. The ‘Receive at least’ field will show the minimum amount of DIA that Satoshi will receive if the order gets allocated.
  5. If this satisfies him, he clicks ‘Submit Limit Order’ and it will appear on the right pane of the interface in the ‘Open’ tab.
  6. When the next 5 minute interval is over, the solution for the transaction is calculated. This means that the algorithm decides which orders to process, optimising for maximum efficiency in token distribution.
  7. If the order gets accepted in the batch, it will be executed, meaning that DIA will be sent to the interface and funds will be sent to the bonding curve contract. The successful order will appear under the ‘Trades’ tab, from where Satoshi can send his DIA tokens to his wallet.
  8. Note, that the limit price is just the maximum price that Satoshi will pay. It may happen that a significantly lower price is paid if possible.
  9. Also note that orders may be partially filled. The remaining portion will be transferred to the next batch, unless cancelled.

Additional Questions

How long does a transaction take?

There are several factors impacting the time that a transaction takes in total.

  • The amount of gas you post, only has an impact on the speed at which your order is placed into the current or next order batch.
  • Once in the batch, gas fees are irrelevant as they are equal for all participants of one batch.
  • Batches are filled and closed in 5 minutes intervals
  • When the batch is filled, the solution is calculated which defines the allocation.

How to cancel an order?

Once an unfulfilled order is listed in the right pane, you will be able to click it and an option to cancel the order will appear. When you click the cancel option the order is deleted as soon as the transaction is completed on the Ethereum network. This means that it is dependent on the gas fee you post.

What happens after the transaction?

Once a the price matches and your order is allocated, you will receive your DIA in the interface. You will need to withdraw them to your wallet. Your order will be stored in your wallet, so even if you forget this step, you will be able to withdraw your DIA at a later stage, if you reconnect the wallet that you used for the transaction.

When is an order closed? How will I know whether it is still open?

On the right hand pane of the interface, you will see three tabs: ‘Open’, ‘Trades’ and ‘Closed’. Your open transactions will show in the ‘Open’ tab. Your completed orders will show in the ‘Trades’ tab and your cancelled order will show in the ‘Closed’ tab.

How many orders can I place?

You may place an unlimited amount of orders. Be aware that this costs gas every time.

Would you like to earn DIA right now! ☞ CLICK HERE

How and Where to Buy DIA ?

DIA has been listed on a number of crypto exchanges, unlike other main cryptocurrencies, it cannot be directly purchased with fiats money. However, You can still easily buy this coin by first buying Bitcoin, ETH, USDT from any large exchanges and then transfer to the exchange that offers to trade this coin, in this guide article we will walk you through in detail the steps to buy DIA

You will have to first buy one of the major cryptocurrencies, usually either Bitcoin (BTC), Ethereum (ETH), Tether (USDT)…

We will use Binance Exchange here as it is one of the largest crypto exchanges that accept fiat deposits.

Binance is a popular cryptocurrency exchange which was started in China but then moved their headquarters to the crypto-friendly Island of Malta in the EU. Binance is popular for its crypto to crypto exchange services. Binance exploded onto the scene in the mania of 2017 and has since gone on to become the top crypto exchange in the world.

Once you finished the KYC process. You will be asked to add a payment method. Here you can either choose to provide a credit/debit card or use a bank transfer, and buy one of the major cryptocurrencies, usually either Bitcoin (BTC), Ethereum (ETH), Tether (USDT)

☞ SIGN UP ON BINANCE

Step by Step Guide : What is Binance | How to Create an account on Binance (Updated 2021)

After the deposit is confirmed you may then purchase DIA from the exchange.

Exchange: The top exchanges for trading in DIA are currently Binance, OKEx, BiKi, HBTC, and Bidesk

Apart from the exchange(s) above, there are a few popular crypto exchanges where they have decent daily trading volumes and a huge user base. This will ensure you will be able to sell your coins at any time and the fees will usually be lower. It is suggested that you also register on these exchanges since once DIA gets listed there it will attract a large amount of trading volumes from the users there, that means you will be having some great trading opportunities!

Which products support DIA? 

 Send/ReceiveTrading
Coinbase          ✔     ✔
Pro          ✔     ✔
Wallet          ✔     ✖️



What regions support DIA? 

 USNYCANEUUKDESGJP
Coinbase    ✔✖️   ✔ ✔ ✔✖️✖️✖️
Pro   ✔✖️   ✔ ✔ ✔✖️✖️✖️
Wallet ✔ ✔   ✔ ✔ ✔ ✔ ✔✖️



Crypto to fiat trading pairs

 USUKEU
USD ✔ ✖️ ✖️
GBP ✖️ ✖️ ✖️
EUR ✖️ ✔ ✔



Note: Coinbase Wallet does not support direct bank transactions. You’ll need to transfer your crypto to Coinbase.com or send it to an external address in order to cash out.

Crypto to crypto trading pairs 

  USDCBTCETHUSDT
DIA   ✖️  ✖️ ✖️   ✔



See the full list of countries that Coinbase supports for crypto-to-crypto trading.

Note: Only assets hosted on the Ethereum blockchain can be converted through the Coinbase Wallet mobile app at this time. Learn more about trading on Coinbase Wallet.

How many confirmations are needed for DIA?

DIA requires 35 network confirmations. Learn about transaction confirmations.

Which blockchain network hosts DIA?

DIA is hosted on Ethereum. 

What are the minimum and maximum withdrawal amounts?

Coinbase has implemented safeguards to ensure a healthy and efficient network both on-chain and through our platform.  

These safeguards include both minimum and maximum amounts for each cryptocurrency we allow customers to send through the blockchain. These amounts vary by asset and are subject to change.

Top exchanges for token-coin trading. Follow instructions and make unlimited money

☞ https://www.binance.com
☞ https://www.bittrex.com
☞ https://www.poloniex.com
☞ https://www.bitfinex.com
☞ https://www.huobi.com
☞ https://www.mxc.ai
☞ https://www.probit.com
☞ https://www.gate.io
☞ https://www.coinbase.com

By Morioh, Coinbase

Published
Categorized as Hot Crypto

What is Adventure Gold (AGLD)?

Adventure Gold (AGLD) is an Ethereum token that can be used to vote on storylines and other governance features for Loot, an NFT project for generating randomized adventure gear stored on-chain. AGLD can also potentially be used for future in-game credits or other projects that build on top of Loot Project.

Which products support AGLD? 

 Send/ReceiveTrading
Coinbase         ✔     ✔
Pro         ✔     ✔
Wallet         ✔     ✖️

What regions support AGLD? 

 USNYCANEUUKDESGJP
Coinbase   ✖️   ✔ ✔ ✔✖️✖️✖️
Pro  ✖️   ✔ ✔ ✔✖️✖️✖️
Wallet     ✔ ✔ ✔✖️

Crypto to fiat trading pairs

 USUKEU
USD ✔ ✖️ ✖️
GBP ✖️ ✖️ ✖️
EUR ✖️ ✖️✖️

Note: Coinbase Wallet does not support direct bank transactions. You’ll need to transfer your crypto to Coinbase.com or send it to an external address in order to cash out.

Crypto to crypto trading pairs 

  USDCBTC
ETHUSDT
AGLD   ✖️  ✖️
 ✖️   ✔

See the full list of countries that Coinbase supports for crypto-to-crypto trading.

Note: Only assets hosted on the Ethereum blockchain can be converted through the Coinbase Wallet mobile app at this time. Learn more about trading on Coinbase Wallet.

How many confirmations are needed for AGLD?

AGLD requires 35 network confirmation. Learn about transaction confirmations.

Which blockchain network hosts AGLD?

AGLD is hosted on Ethereum. 

What are the minimum and maximum withdrawal amounts?

Coinbase has implemented safeguards to ensure a healthy and efficient network both on-chain and through our platform.  

These safeguards include both minimum and maximum amounts for each cryptocurrency we allow customers to send through the blockchain.

Minimum: 0.000000000000000001 AGLD

Maximum: 100,000 AGLD

Published
Categorized as Hot Crypto

What is Quantstamp (QSP)?

Quantstamp (QSP) is an Ethereum token that powers Quantstamp, a security auditing network for crypto protocols. QSP can be used to pay for smart contract audits, earned by running verification nodes, and for proposing and voting on network upgrades.

Which products support QSP? 

 Send/ReceiveTrading
Coinbase          ✔      ✔
Pro          ✔      ✔
Wallet          ✔      ✖️

What regions support QSP? 

 USNYCANEUUKDESGJP
Coinbase    ✔✖️   ✔ ✔ ✔✖️✖️✖️
Pro   ✔✖️   ✔ ✔ ✔✖️✖️✖️
Wallet ✔ ✔   ✔ ✔ ✔ ✔✖️


Crypto to fiat trading pairs

 USUKEU
USD  ✔  ✖️ ✖️
GBP ✖️  ✖️ ✖️
EUR ✖️  ✖️ ✖️

Note: Coinbase Wallet does not support direct bank transactions. You’ll need to transfer your crypto to Coinbase.com or send it to an external address in order to cash out.

Crypto to crypto trading pairs 

  USDCBTC
ETHUSDT
QSP    ✖️  ✖️
 ✖️   ✔

See the full list of countries that Coinbase supports for crypto-to-crypto trading.

Note: Only assets hosted on the Ethereum blockchain can be converted through the Coinbase Wallet mobile app at this time. Learn more about trading on Coinbase Wallet.

How many confirmations are needed for QSP?

QSP requires 35 network confirmations. Learn about transaction confirmations.

Which blockchain network hosts QSP?

QSP is hosted on Ethereum. 

What are the minimum and maximum withdrawal amounts?

Coinbase has implemented safeguards to ensure a healthy and efficient network both on-chain and through our platform.

These safeguards include both minimum and maximum amounts for each cryptocurrency we allow customers to send through the blockchain. These amounts vary by asset and are subject to change. 

Published
Categorized as Hot Crypto

Facebook正式卖掉Diem(原Libra)

轰轰烈烈的全球稳定币工程,历时2年半,正式落下帷幕。

Meta(原 Facebook)旗下 Stablecoin 项目 Diem (原 Libra) 和 Silvergate 今天宣布 Silvergate Capital Corporation 将收购 Diem 支付网络的知识产权和其他资产,这些资产包括用于运行基于区块链的支付网络的开发、部署和运营基础设施和工具。根据 Silvergate 的一份声明,他们还将获得「对运行符合监管要求的稳定币网络至关重要的专有软件元素」。 

曾经被 Facebook 寄予厚望的 Libra,居然已经到了被卖掉的境地。

作为曾经被全球瞩目的稳定币项目,Diem 这两年实在命运多舛,从旨在超级社交网络的生态下改变全球支付系统的愿景,到如今不得不被卖掉,我们真的要和 Diem 说再见了。

Silvergate 是谁?

接手 Diem 的 Silvergate,其实与加密货币早有联系。这个可能对大多数用户陌生的名字,是各大美国加密货币交易平台重要的合作伙伴。

Silvergate 是一家成立于 1988 年的美联储会员银行,CEO Alan Lane 在 2013 年购入了自己第一枚比特币后,发现这片市场空白,于是从 2013 年起,Silvergate 致力于为数字货币行业提供创新金融基础设施解决方案。

除银行服务外,Silvergate 最为知名的服务,是一个 24/7 不间断的实时支付平台 Silvergate Exchange Network(SEN)。仅 2021 年第四季度,SEN 就处理了超过 2,000 亿美元的交易,Coinbase、FTX、Binance US、Circle、Paxos 这样的顶级机构都是 SEN 的用户。

就连 FTX 的 SBF 也曾高度评价过 Silvergate,他说「一家加密公司经过的时间,可以分为前 Silvergate 阶段和后 Silvergate 阶段,怎样去形容 Silvergate 对区块链公司金融服务的变革都是不为过的。SEN 日复一日地证明它是加密货币结算层的关键支柱之一。」

2021 年 5 月 12 日,当 Diem 协会在一系列落地受阻后,宣布放弃在瑞士金融监管机构 FINMA 注册的计划,返回美国时,找到了 Silvergate,并宣布与 Silvergate 合作的计划:Silvergate 将成为 Diem 的美元稳定币 Dime USD 的独家发行方。

在 Facebook 看来,与 Silvergate 这样一家既涉足加密领域又是美联储成员、接受美联储监管的银行合作,是一个能求得监管认可的优质选项。

但是,2021 年 11 月,美国总统金融市场工作组在报告中表示,稳定币发行人与钱包提供商或商业公司的合作可能导致经济权力过于集中,这种结合可能对竞争产生不利的影响。他们还担心,一家巨型科技公司深度参与的稳定币的用户,在转而使用一种新的稳定币时,会面临过度的阻碍和成本。

所以,Facebook 只能选择下下签。

Diem 的替代品?

失去了 Diem,并不意味着 Facebook 完全抛弃了数字货币这个方向,他们手里还有一个选项——Novi 钱包,也就是原来的 Calibra。从命名上也可以看出,Calibra 是专门为 Libra 打造的钱包,现在没有了 Libra,更名后的 Novi 也彻底抛弃了自己的原生基因,继续承载 Facebook 的支付梦。

尽管人们对滥用数据的 Facebook 发布的数字钱包骂声一片,但 Facebook 还是对 Novi 寄予厚望,不仅计划让 Novi 可以为人们提供各种金融服务,甚至为其收购了客户服务聊天机器人公司 Servicefriend,以便提升服务质量。

同时,Novi 开始寻求与合规稳定币发行方 Circle 和 Paxos 的合作,并考虑使用 USDC 或 PAX 作为自己的稳定币。去年年底,Facebook 的 WhatsApp 已开始面向美国部分用户测试在聊天界面内进行加密货币转账,而工具就是 Novi 钱包。

目前看来,Novi 是 Facebook 在加密货币赛道的最后选项,在他们 All in 元宇宙的未来里,Novi 也许可以帮他们重拾加密支付的梦想。

命运多舛的 Diem

从 2019 年 6 月白皮书问世,关于 Libra 的任何消息都是热点,毕竟这是一家拥有近 30 亿用户的超级社交网络的最新产品,一旦成功落地,潜在影响用户不可估量。在 2019 年中期,市场情绪惨淡的时期,Facebook 进军加密货币的消息也为市场带来了强心剂。在 Libra 推出 4 天后,比特币时隔近一年,再次站上了 1 万美元。紧接着一路涨到了当年目前的最高点 1.4 万美元,比特币总市值也从 1600 亿美元左右飙升至 2280 亿美元。

但没想到,Libra 出道即巅峰。

在第一版白皮书中,Libra 剑指全球支付网络,以组成一个包含多种法币的货币篮子的形态,成为支付巨头。

在这样的愿景下,投资机构、区块链、社交媒体、通讯公司、电子商务、共享出行、非营利组织、音乐、旅行、支付等多领域的超级巨头,如 Visa、Uber、eBay、Spotify、Coinbase 等等耳熟能详的顶级企业均成为了 Diem 的合作伙伴,一个超级巨头联盟正在硅谷发光。

Libra 刚推出时的合作伙伴阵容

但就在大家畅想 Libra 可以改变支付格局的时候,监管层并没有上头,他们不认可 Facebook 的野心,担心 Libra 对美元的地位,甚至对美国都会产生影响,尤其是 Facebook 这家已经被打上「互联网恶霸」标签的巨头。不久之前,Facebook 泄露数据,利用数据操控大选的事件影响还在持续,监管层对于这家曾经引以为傲的巨头,已经嗤之以鼻。

于是,在 Libra 面世的四个月内,国会开了三场听证会,甚至 Facebook 创始人马克·扎克伯格不得不亲自参与听证会,以调节平台与监管层的紧张关系,但仍无济于事。纵然扎克伯格态度诚恳地告诉监管层 Libra 会有各种 KYC(用户验证)、用户保护,甚至表示 Libra 是对美元的保护与增强,但监管层并不以为然。从听证会的问题中,我们也可以看到监管层的焦虑,作为有过操控数据前科的公司,30 亿人的支付数据交到你一个人手里,谁能放心?

在监管的压力下,Paypal、eBay 等多家合作伙伴退出了超级联盟,Libra 被迫修改白皮书,先是引入了单一稳定币的锚定,随后更名 Diem 并仅锚定美元,以最大限度地满足监管要求。终归是再衰三竭,监管没能让 Facebook 如愿。

虽然 Diem 还在苦苦支撑局面,发布声明称自己在做的事情仍然是一个「巨大而绝佳的机遇」。但在知情人士口中,Diem 早已是一个「僵尸组织」,名存实亡。他们没有成功的可能性了吗,倒也不是,只是很小很小,小到可以忽略不计。

2020 年 9 月,Diem 联创 Morgan Beller 宣布离职;2021 年 3 月,另一位联创 Kevin Weil 宣布离职;而在 2021 年底,Facebook 母公司 Meta 的加密货币项目负责人 David Marcus 也选择了离职。全球监管的围追堵截让这些项目领头人纷纷打起退堂鼓。元老功勋的纷纷离开也让 Diem 的前景变得暗淡无光。

此次 Facebook 将 Diem 卖给 Silvergate,表现出以稳定币为基础的支付系统似乎不再是 Facebook 的优先级,元宇宙才是当下 Facebook 努力转变全球对其嗤之以鼻态度的新工具。

By 律动BlockBeats

What is Binance USD (BUSD)?

Binance USD or BUSD is another proof of wrapped token, which is often described as a blockchain token pegged to the value of another asset – fiat currency, treasure stones, equity shares or real estate, for example. In this context, BUSD is pegged to the US dollar, which makes it a wrapped token. 

It’s also worth noting that most wrapped tokens act as collateralised tokens, requiring the staking/locking of another crypto asset (for example, a native token of a decentralised exchange or DEX protocol) in order to access the wrapped token.

General overview

Binance USD is a regulated, collateralised, fiat-backed stablecoin that is pegged to the US dollar at a 1:1 ratio. Founded by two major entities – Paxos, and Binance – the USD-denominated stablecoin was approved by the New York State Department of Financial Services (NYDFS). Notably, it was one of the very few stablecoins to get approved in the US.

Paxos is a regulated blockchain technology company that offers its stablecoin as a service product to external companies. In this case, they act as the third-party reserve for Binance stablecoin in an FDIC-insured US bank.

Just as with other wrapped stablecoins, BUSD was created to ensure ease of transaction within the decentralised finance (DeFi) ecosystem. And while it is built in compliance with the ERC-20 token standard with support for BEP-2 wallet, the fiat-backed stablecoin is interoperable with multiple blockchains.

For every single BUSD token owned by a person, an equivalent of that amount is held in an actual bank account. As mentioned earlier, an amount equal to the actual BUSD supply is held in the possession of Paxos who acts as a third-party reserve in an FDIC-insured US bank.

Also, given that BUSD is a wrapped token, it is subject to the same market activities as its fiat counterpart. In other words, when the value of the fiat currency goes up or down, the same impact resonates with the BUSD token. 

In general, BUSD exist in three different chains; Ethereum, Binance Smart Chain, and Binance Chain, while it is able to achieve three main attributes including accessibility, flexibility, and speed. 

Technology – how does BUSD work?

The mechanism behind BUSD is a fairly simple one, especially when compared to how difficult some other stablecoins can be to grasp. Notably, BUSD uses a deflationary mechanism that ensures the supply and reserve for BUSD/USD are constantly kept at a 1:1 ratio. In other words, the mechanism ensures that each BUSD is exchangeable for $1 USD in the Paxos reserve.

When BUSD is bought, an equivalent of that amount in BUSD is created while a fiat equivalent is paid to Paxos for safekeeping. 

On the other hand, when a BUSD is sent to Paxos, the blockchain infrastructure platform subsequently burns the token and provides you with the fiat equivalent when a sell order is requested, as a way of maintaining a constant supply/reserve of the BUSD/USD at 1:1 ratio.

The BUSD token is built on the back of the ERC-20 token standard. Consequently, it is compatible with several ERC-20 smart contacts. Likewise, the token standard adopted by BUSD enables interoperability among Ethereum-based wallets of exchanges. 

Use cases

BUSD has numerous use cases for investors and traders, with the most prominent among them being to avoid price fluctuation in the crypto market. Because BUSD is a stable coin, it is used as a store of value during high volatility periods in the crypto market

Another popular application for BUSD is arbitrage trading, in which investors wait for periods when the value of USD to BUSD falls below the constant 1:1 ratio. 

For example, there are times when the value of USD to BUSD falls slightly below $1. During this time, traders can buy BUSD in bulk and wait for the BUSD/USD value to return to a parallel position, at which point they can sell back for fiat and earn as low as $0.02 per BUSD traded.

Other notable applications for BUSD include locking in gains from other trade activities instead of converting directly to fiat. This way, it is easy to reinvest within an exchange, either by swapping or liquidity pooling for instance.

Ultimately, BUSD is one of the most standard pegged tokens to grace the stablecoin market as it provides necessary transparency and security which, in turn, makes it a top choice for investors and general crypto enthusiasts.

By Binance

What is Maple (MPL)?

Maple — the world’s first crypto bond platform. It enables users of DeFi lending platforms to issue crypto bonds (aka Maple SmartBonds) secured by their crypto assets.

As DeFi lending expands, users will be able to create banks which issue bonds to raise money for lending to customers. With one tiny catch: they’re crypto banks, selling crypto bonds to global investors and using the proceeds to give crypto loans to any user with an internet connection. Ethereum will be home to the world’s first crypto capital market.

Maple’s MVP is nearly finalised and is going through private testing. The public Beta product is expected to be released in the next two weeks and will integrate with Compound. With Maple’s protocol, use your cDai as collateral to 1) create SmartBonds to borrow and speculate on interest rates or, 2) invest in SmartBonds to lock in a fixed interest return.

Maple collects revenue from the collateral to pay Investors.

What does Maple actually do?

Marketplace

Maple is a decentralised application which lets users create or invest in crypto bonds (SmartBonds). Maple is a two-sided marketplace with two types of users:

  • Supply: Issuers who create the bonds to borrow money; and
  • Demand: Investors who buy the bonds to earn interest.

The SmartBonds

The Maple SmartBonds are ERC20 tokens, paid for with Dai, which are 100% collateralised by interest-earning crypto assets. Each issuance of SmartBonds is collateralised by a unique basket of collateral staked by the Issuer (borrower). The Issuer retains Equity in the collateral so they have skin in the game (normally 10–20%) while Investors buy the SmartBonds.

Our MVP is integrated with Compound, so the collateral assets are cDai, which is a digital asset earning interest for the holder.

The Maple smart contract controls the cDai collateral to protect Investors so that it isn’t redeemed until the bonds are due to be repaid. Maple SmartBonds earn fixed rate interest for the Investor with the initial investment plus interest being paid in full when the bond matures. The way it works is that the collateral earns interest, which gets collected by the Maple smart contract, and that interest goes towards paying the Investors their fixed return with the Issuer keeping the remainder as profit.

Example of repayments to Investors and Issuers when a Maple SmartBond matures.

Big Deal, What’s Magic About It?

Two things:

  • Maple replaces lending collateralised by cash with lending collateralised by assets. DeFi needs this! It is not efficient for businesses to set aside cash when they want loans for growth. Maple lets businesses borrow against revenue-generating assets so they can reinvest the debt and grow. We are starting with digital loans as revenue-generating assets but the platform and technology can expand to subscriptions, profit sharing tokens and much more.
  • Maple gives Investors different risk grade options. Until now you had one collateralisation level (150%) and one interest rate for everyone supplying on DeFi. Maple changes that. Now, more conservative investors can choose lower risk bonds (more collateral, lower interest) that get repaid first. More adventurous investors can choose medium risk bonds (less collateral, higher interest) getting repaid later.

Current use cases

  • Speculate on interest rates: Maple SmartBonds pay fixed interest, while the collateral earns floating interest. Think the Compound rate will rise? Then issue bonds to increase your profit.
  • Hedge interest rate risk: Think Compound rates will drop? Buy Maple SmartBonds to lock in a fixed rate.
  • Borrow against your DeFi savings: Supplying Dai on Compound? Then borrow against this “savings account” by creating Maple SmartBonds.
  • Be a crypto bank: Create Maple SmartBonds to borrow against cDai then reinvest in more cDai (fractional reserve banking). Keep the net interest left after paying Investors.
  • Cover multiple platforms: Borrow against your Compound supply then reinvest in Nuo, Uniswap or other DeFi platforms to diversify.

Long term possibilities

Bond markets power the traditional financial system. Maple puts this at the fingertips of DeFi users. Here’s a few ideas of where we can go:

  • Create Bond ETFs by basketing multiple Maple SmartBonds with TokenSet.
  • Creating crypto banks in countries without a financial system. Wireless internet networks let African countries leap-frog fixed-line infrastructure. Maple powers wireless financial infrastructure, bypassing conventional banks.
  • “Assets as collateral” makes more sense for businesses. They have valuable assets but not piles of Ether lying around. Maple can do bonds backed by subscription tokens (e.g. video streaming) and profit-share tokens (e.g. DAOs).
  • Form a crypto yield curve with Interest rates on 30/90/180/360 day Maple SmartBonds.
  • Multicollateral bonds backed by Compound, Nuo, Nexo, Uniswap and others. Diversifying the risk of a single platform.

By Sydney Powell

Published
Categorized as Hot Crypto

What is a Pluton (PLU)?

Pluton are a digital Ethereum asset (ERC20 token) that is issued automatically to users of the Plutus app as a reward for using the Plutus Tap & Pay app (making payments with converted Bitcoin or Ether). The payment process occurs via a proxy conversion to a virtual debit card linked to your account.

Pluton is also an optional way of loading your spending balance for goods and services, just like Bitcoin and Ethereum on the Plutus app. You can make a deposit request with PLU and your order will be matched with a buyer on PlutusDEX. The advantage of using Pluton instead of Bitcoin and Ethereum is that there are 0-fee and near instant transactions.

Distribution

There is only a small (4.25%) amount of Plutons (850,000) available for initial distribution. The reason for this is simple, they are designed have a valuable and unique use case — to pay for everyday goods using the Plutus app. As a result, they are rare tokens with a real life use case.

Apart from the initial distribution there will be no further distribution of Pluton to users, as they are NOT owned by Plutus. Plutons will be locked by a smart contract and allocated for the reward system, which issues Plutons to users of the Plutus Tap & Pay app as reward for making payments by exchanging Bitcoin and Ether for a virtual debit balance.

Governance

The rebate emission of Plutons (95.75%) to users is governed by the PlutusDEX (a decentralised exchange powered by the blockchain technology), which records each conversion made on the Plutus app and awards a limited amount of 3%* in Pluton. Users can then convert these Plutons at zero fee (Bitcoin and Ether will have a fee) and make payments towards everyday goods at any debit card and NFC-enabled merchant.

Longevity Calculator

We have released this useful longevity calculator which will illustrate how the rebate emission rate works, and how many more Plutons past the initial distribution will become available each year. If you like numbers then you will enjoy this!

By Plutus

Published
Categorized as Hot Crypto

墙内不能说NFT,要说”数字藏品”

在凯文·凯利《科技想要什么》一书中,最后一部分讨论的是“方向”——走过信息化之后,科技的需求目前指向了数字化:现实世界什么样,我们就有能力把它在计算机的世界里存储成什么样,相对于信息化以人为主以机为辅,数字化的表征则是以机器为主、以人为辅。

因此,当元宇宙概念的多米诺骨牌被悄然推倒,如今的现实世界似乎被撕开了一道口子,涌现出越来越多的新事物,和与之相关的一系列商业现象,其中就包括数字藏品。

数字藏品概念来源于国外大热的NFT。NFT (非同质化代币)是一种区块链上的技术标准,它将区块链技术的特性赋予数字艺术品中,让这些虚拟物品都拥有不可篡改的唯一凭证。令人惊讶的是它的商业潜力:今年3月11日,加密艺术家Beeple的NFT作品《Everydays:The First 5000 Days》(一幅JPG格式的拼贴照片)以6900万美元的价格拍出,成为《纽约时报》头条新闻。

2021年12月21日,LGD电子竞技俱乐部在红洞数字藏品(下称:红洞数藏)平台发售进军元宇宙的第一个数字藏品系列——LGD纪念版系列徽章。

图 | 网友提供截图

距离正式发售还有两天,不少玩家已经开始“摩拳擦掌”。他们围绕徽章的样式、发行数量等情况进行“估价”。这款徽章统一售价25.9元,他们估的,是其日后的升值潜力。到了12月21日当天中午,有人备好了加速器,有人甚至开玩笑要跑到信号塔附近准备开抢。“还得先有邀请码才能抢,也太难了。”

这个场面似乎与任何一个限量产品发售现场无异,但不同的是,出售的并非是徽章实物,只是一张图片而已。上线不到半分钟3154份全部售罄,冲上微博热搜榜,一定程度上连带着平台背后的公司也受到热议。

公开资料显示,红洞数藏的底层技术正是来自一家杭州区块链企业——趣链科技有限公司(下称:趣链科技)。

根据天眼查信息,趣链科技目前已完成Pre-A、A、B、B+、C五次融资。并且,在C轮融资过后,公司表示正式迈入行业独角兽行列。

值得注意的是,这次融资中,领投机构为知名基金公司易方达。另外,跟投机构银宏基金也“来头不小”,其背后是投资“老炮儿”龚虹嘉带头。后者此前一直对硬科技投资保持高度热情,20年前对海康威视的天使轮投资,曾为其带来超20000倍(中途有减持)的回报,一度被视为创投圈“神话”。

数字藏品究竟为何能让资本集体“上头”?对普通玩家来说,在泡沫和奇观背后,一件虚拟艺术品本身的吸引力究竟在哪里?这些虚拟的,只能用手机查看的藏品,于他们个人生活而言究竟有着什么样的互动关系?笔者与红洞数藏上几位玩家聊了聊,试图分析一下这个站在风口上的新市场。

一个值得补充的细节是:目前在红洞数藏上发售的数字藏品定价大都在9.9或19.9、25.9元。

01 年轻人的艺术收藏初体验

“数字藏品基本上是年轻人在买单。”来自温州的张弛(化名)透露,在自己所加入的数字藏品交流群中,很少看到有人年龄超过35岁,其中超过半数是95后。

谈及年轻人对数字藏品有如此热度的原因,张弛表示,其中一部分把这个作为一种理财方式,这些人同时也经历过“炒鞋”、“炒手办”等,现在的新风口就是数字藏品。

图 | 受访者提供截图

张弛告诉笔者,群里的男女差异同样非常明显。“大部分群里的男女比例为七三开,甚至一些极端的群里男性玩家占到了80%。”

由此可见,女性用户对数字藏品并不感冒,即便它们早已在公众眼中变成了某种收藏品或者理财产品。

“我加入的一个千人QQ群里,靠前的省市包括了北京、上海、广东、山东还有浙江,可以说,要么一线(城市)要么沿海(城市)吧。”其实不难理解,经济发展水平和受教育教育程度,决定了年轻人能否接触到NFT这一概念。显然,沿海地区具备“先天优势”。

刚刚“入坑”几个月的张弛始终对没抢到LGD限量徽章的事情耿耿于怀。他告诉笔者,彼时蚂蚁链用户数才几万,“非常好抢”。他分析道“以后用户越来越多,藏品的发行量可能会大幅增加,到时候前面抢的,就是稀有品了。”

不仅如此,张弛还认为,这种数字藏品价格比较便宜、技术操作门槛也较低,不像国外的NFT,还需要用虚拟货币购买。对张弛而言,数字藏品给他带来了一种较亲民的收藏机会。

“所以庆幸我有数字藏品。”作为互联网发展下成长的一代人,1990年生的张弛很快就接受了数字藏品概念,“如果你真的去买实物古董,还需要一个专门的收藏空间,还要担心受潮、被偷、保养的问题,真实的文物藏品还得有知识储备门槛——你会担心买到假货,而虚拟藏品都没有这种烦恼。”

与张弛同在一个微信玩家群的小乔(化名)幸运地抢到三款LGD徽章,正好可以兑换一枚LGD的绝版实体徽章。不过他倒不是电竞爱好者,只是第一眼觉得徽章具有科技美感。最后他把实体徽章送给了一位LGD的粉丝朋友,自己留下了数字藏品。

一件人人都能下载观赏的图片,到底有什么花钱购买的必要?小乔对笔者解释道,“它是有不可分割性的,它有数据,能证明这东西是你的,这就像房子的一张房产证。”

图 | 小乔的虎猫佣藏品

小乔告诉笔者他挑选藏品一般先看发行数量(看珍稀度),另一个就是看眼缘,以及背后的文化价值。

说起自己的宝藏藏品,小乔话语中满是抑制不住的兴奋,那是一款由湖北省博物馆授权推出的“越王勾践剑”数字藏品。

“一点开,这个东西就会显示出你的名字”,这种“证明”,给了他一种像收藏真实文物一样的快感,它源自一种人类最原始的占有欲望,“你拥有了它,就跟它和它背后的古老历史、英雄人物,都建立了一种联系。”

目前,他拥有40多个藏品,平时闲下来的时候,他会打开红洞数藏或者蚂蚁链,放大、缩小这些藏品,观看细节。如果是3D作品,还可以旋转观赏。通过3D技术,人可以极近距离地看到一把3D“越王勾践剑”上的纹路、宝石、刻字,“差距仅仅是无法触碰而已。”

小乔还说起,他鲜少向身边亲友提及自己的收藏——事实上,大部分数字藏品爱好者只能与同好群分享这种快乐。要判断一个人能否接受数字藏品,很大程度上取决于对方的网络经验,以及对互联网的认知——比如,他的父母一直以经营批发店为生,他曾经劝他们开网店,但他们始终没听进去。因此,父母至今不明白他在手机上忙活的这些是什么。

02 有泡沫的风险

夏星(化名)是NFT的老玩家了。

在公共区块链平台“以太坊”上,他拥有3、40个NFT,在支付宝数字藏品平台上,则拥有近60个。他在广州一家游戏公司做程序开发,作为一名互联网技术爱好者,刚接触区块链时,他就注意到了NFT资产。

目前,他买的最贵的NFT价值1个以太币,他入手时,1个以太币相当于1千美金,现在,币价已经涨到4千多美金了。在一家全球最大的NFT平台上,他也和公司的美术同事一起做NFT(同事画图,他来铸造),定价很低,在0.02到0.05以太币左右。

夏星表示,在以太坊上,人们最关注的通常是那些动辄售价上百元人民币的作品,比如“加密朋克”系列,相比之下,他和他的民族趣味的作品毫不起眼。

图 | 币安智能链上的“Captain of Mars Ecosystem #001”(001号火星船长)

“大部分数字藏品买手只是隐约知道一些NFT的概念,还知道数字藏品能让他们赚钱,这对一些习惯了单线程行事的人来说似乎已经足够,”夏星对笔者说道,“国外那些像素作品在中国是没市场的,之前国内大多是跟风,外加链的容量还没跟上。所以数字藏品这个品类是最好的,比那些像素画文化价值高出太多。但切忌玩成艺术品交易,真那么玩会被圈子里的人玩得渣都不剩。”

路透社也曾援引分析人士的观点认为,作为新兴事物,元宇宙也面临诸多风险,比如资产泡沫。

事实上,所有NFT数字产品的价值并非源自于NFT的不可分割和不可复制性,而是源于数字产品本身。

众所周知,在NFT技术之前,数据的交易价值始终是一个玄学概念。虽然数据承载的内容可能是创作者心血之作故而价值连城;但是,恰恰因为佳作浮现于数据之上,在可复制的数据网络中,一切又变得毫不稀缺故而一文不值。

图 | 受访者提供截图

“(随着)基于区块链的NFT合约出现,数字资产才被赋予了不可分割性和不可复制性写进合约的标准化部分,同时非标准化的部分,又给了创作者自由拟定交易合同的机会,从而为元宇宙的运转提供可能。”据夏星介绍,目前在国外多以以太坊作为数据交易的区块链记账系统,在国内也有如蚂蚁链(阿里)和至信链腾讯)等平台出现。

万物皆可NFT,不过技术从来都不是稀缺品。

“刻意的炒作背后或许还暗藏着洗钱、非法集资的风险,技术和艺术可以并存但不应互相替代。”

03 炒作价值也是市场化的

管理专家吉姆·柯林斯(Jim Colins)在《从优秀到卓越》一书中,曾提到过飞轮效应:“无论最终的结果有多么伟大,从优秀到卓越的转变从来都不是一蹴而就的——绝不是做对了某个奇迹事件最终就产生了指标。它一定是不断推动一个沉重的巨轮,一圈圈旋转,最终终于产生突破,自己开始转动起来。”

虚拟世界的浪潮,也如同飞轮一般——不断转动着、一浪高过一浪地翻涌着。

根据分析师威利·胡(Willy Woo)搭建的预测模型:到2025年,数字资产的用户数量可能会达到10亿人(相当于2005年的互联网用户数量),互联网渗透率将超过20%,这将使得数字资产有望正式跨越鸿沟,进入早期大众阶段(见下图)。

图 | 网络公开资料

因此,关于炒作问题,业内人士高林(化名)有着自己的理解,“实际上对于NFT市场而言,由于制作NFT并没有任何限制,任何人都可以创作NFT,所以说NFT创作成本还是比较低的,市场能真正炒作起来的NFT必然有其炒作存在的价值。而且并不是所有的NFT都能炒作,因此NFT的炒作是有区分的。”

高林表示,同样在现实世界的艺术品等藏品的炒作其实也是一样。比如名人作品和有一定时代历史的作品在市场上有较高的炒作价值,而大部分普通人或水平较低的作品则没有相应的炒作价值,炒作价值也应当是市场化的。

赛博朋克之父”威廉·吉布森(William Gibson)说过:“未来已来,只是尚未流行。”。

因此当我们谈论赛博世界时,我们谈论的不该只有“炒作”和“泡沫”,这就是未来世界,而未来也不该是一无是处的。

在夏星看来,史蒂芬森的最大贡献在于:他在《雪崩》中描绘了元宇宙美好的部分,并且想象了黄发垂髫并怡然自乐的景象。(小说的结局是中二的主人公在元宇宙里创建了一家安保公司,专门维护这个世界的秩序。)

图 | 雪崩里描述的Metaverse

“为什么数字化的世界是年轻人所迷恋的?因为它是一个没有中心,没有集权化的高度自由的空间。”燃麦科技创始人及潮流艺术创作者于皛分享了他的看法。他是一名80后,“我也在不停地学习中”,他说。“未来的年轻人将越来越能接受虚拟世界的设定,他们是出生就在原生态数字世界里的人。”

商业金融新闻网站Real Vision的创始人Raoul Pal也曾谈到这一点,他认为,年轻人们正在想的,是“如果你不能赢得比赛,那就改变比赛规则”。他这样形容美国已经迈入30岁的千禧一代年轻人,“现实中的他们负债累累,他们比过去70年里任何一个时代的30岁年轻人都要穷。这些年轻人都被我们(年长的、社会规则的制定者)辜负了,当他们可以制定自己的规则时,他们为什么要遵守我们的规则?”

诚然,张弛、小乔、夏星他们是一群投机者,一些年轻人,一群有信仰但没有承担风险能力的人们,对于新鲜的事物有着强烈的好奇心;他们都对180天后,转赠放开后会发生的变化一无所知——但至少,即使“亏了”,损失也极低。事实上,这种抢购藏品的体验为他们带来的,既有社交货币的作用,更重要的是一种简单、原始的收藏快感——就像集邮一样。

不可置否的是,飞轮效应已经显现。

据《华尔街见闻》2021年5月13日报道,以太币已突破5000亿美元的市值里程碑,一度攀升至5050亿美元,排名升至全球资产第14位,一路超过金融巨头摩根大通(4800亿美元)和Visa(4960亿美元)。

这一年,比特币曾一度超越特斯拉,以太坊则超越了摩根大通。

尽管如此,依然有无数人认为他们是骗局。

By 镁客网

What is API3 (API3)?

Providing accurate external data to on-chain environments is essential for creating powerful decentralized apps, platforms, and marketplaces. API3’s dAPIs — decentralized APIs — make real-world data from existing oracle API providers natively compatible with smart contracts, dApps, and blockchain-based applications. Decentralized APIs can be bridged to support practically any blockchain, and exist as a multi-layer, cross-platform oracle solution for supplying data to any decentralized ecosystem that needs it.

Introduction to API3 and Web 3.0

Launched in December 2020, API3 is a platform that enables blockchain-based decentralized applications (dApps) to access blockchain-external, real-world data and services via application programming interfaces (APIs). APIs represent a highly established standard in software and app development. API3 provides a way for the world’s data to be fed into blockchain applications with the ease and standardization provided by API connectivity. 

When building programs or applications, developers often rely on existing APIs to port particular datasets or services into a new project without having to reinvent the wheel and code everything from scratch. For example, a weather app on your phone might gather recent data about real-time weather conditions via an API. APIs are the building blocks of many modern applications and software that we use everyday.

A problem that has arisen — one that API3 seeks to solve —  is that most APIs are built for the legacy ecosystem of centralized applications, data, and financial services, and are not natively compatible with the world of blockchain and dApps. API3’s mission is to make existing APIs compatible with the decentralization standards of Web 3.0 — and to do so without overly burdening API providers or dApp developers.  

Decentralized APIs: Connecting Decentralized Networks

In an effort to decentralize the process of porting off-chain data to the on-chain environment, API3 has designed its own decentralized APIs (dAPIs). These are fully decentralized APIs that are inherently compatible with blockchain technology and do not require the use of proprietary technology or access from a rent-seeking gatekeeper organization. 

Decentralized APIs can be bridged to support any blockchain and exist as a multi-layer, cross-platform oracle solution for supplying data to any decentralized ecosystem that needs it. Many platforms stand to benefit from reliable data oracles, so API3’s decision to remain blockchain-agnostic allows it to accommodate practically any decentralized network with smart contract capabilities.

API3 dAPIs aggregate data directly from first-party data providers, a specification that bolsters transparency, decreases the risk of third-party data tampering, and eliminates the need for rent-seeking middlemen — ultimately putting more revenue directly in the hands of API providers. With this unique structure, API3 differentiates itself from other blockchain data oracle projects — such as Chainlink — which commonly use their own nodes as intermediaries to deliver data from external APIs to the requesting smart contracts. 

Airnode and First-Party Oracles

Whereas most other oracle projects feature third-party oracle nodes hosted by an intermediary, API3 uses first-party oracle nodes, which are operated directly by data providers. To achieve this, API3 utilizes a technology called Airnode that allows API providers to turn their APIs into dAPIs. Airnode decentralizes data feeds at their respective sources, which eliminates the need for intermediary nodes and allows dApps to access data directly. Airnode is a serverless oracle node that an API provider can deploy with relative ease and without regular maintenance. Airnode thus makes it easy for oracle API providers to augment their data feeds for monetization in the decentralized landscape. 

API3’s design philosophy behind Airnode is to make the process of becoming a first-party oracle node simple and frictionless for API providers. Airnode is designed to be a set-and-forget deployment that doesn’t require any overly technical knowledge to deploy. Airnode also does not require API providers to accept cryptocurrency as a form of payment and uses on-demand pricing so oracle API providers don’t have to pay for hosting when their API is not in use.

Decentralized Governance and the API3 Token

The API3 decentralized autonomous organization (DAO) is responsible for managing API3 dAPIs, and provides the project with decentralized governance down to its core structure. With decentralized governance, dAPIs can be operated with more transparency and fewer risks of centralized points of failure.

Individual dAPIs on the platform and the overarching API3 project itself are both governed by the API3 DAO. In addition to being responsible for the creation, setup, management, and monetization of dAPIs, the API3 DAO also covers the operational costs of dAPIs including gas fees and compensation of oracle API providers. In order for the API3 DAO to function effectively, nuanced incentive mechanisms involving governance, staking, and insurance have been put in place. 

The API3 token is the native utility token of API3 and is the central mechanism for payments and community governance in the API3 DAO. The dApps that use the dAPI network will pay a subscription fee denominated in API3 to do so, although API providers using Airnode can opt to receive payment in fiat via an API3 DAO grant should they not wish to handle cryptocurrency.

The API3 token also enables all community stakeholders to participate directly in community governance by staking API3 tokens in the API3 insurance staking contract. By doing so, stakeholders receive staking rewards and inflationary rewards — and are thus financially incentivized to participate in the decentralized network and to increase its overall value.

The Future of API3’s Oracle API Gateway

The need for providing accurate external data to on-chain environments is an essential element for creating powerful decentralized apps, platforms, and marketplaces. API3’s oracle API gateway is meant to provide a frictionless framework to help API providers to do that. By reducing the role of middlemen and making it easy for data providers to operate their own nodes, API3 stands to put more revenue in the hands of data providers — a prospect that may incentivize even more providers to adopt and participate in the decentralized landscape. With decentralized governance and a sophisticated DAO, API3’s approach to becoming a competitive data oracle solution is democratizing access to information in the blockchain ecosystem.

Which products support API3? 

 Send/ReceiveTrading
Coinbase          ✔      ✔
Pro          ✔      ✔
Wallet          ✔      ✖️

What regions support API3? 

 USNYCANEUUKDESGJP
Coinbase    ✔✖️   ✔ ✔ ✔ ✖️✖️✖️
Pro   ✔✖️   ✔ ✔ ✔ ✖️✖️✖️
Wallet ✔ ✔   ✔ ✔ ✔ ✔✖️


Crypto to fiat trading pairs

 USUKEU
USD  ✔  ✖️ ✖️
GBP ✖️  ✖️ ✖️
EUR ✖️  ✖️ ✖️


Crypto to crypto trading pairs 

  USDCBTCETHUSDT
API3    ✖️  ✖️ ✖️   ✔

See the full list of countries that Coinbase supports for crypto-to-crypto trading.

How many confirmations are needed for API3?

API3 requires 35 network confirmations. Learn about transaction confirmations.

Which blockchain network hosts API3?

API3 is hosted on Ethereum. 

What are the minimum and maximum withdrawal amounts?

Coinbase has implemented safeguards to ensure a healthy and efficient network both on-chain and through our platform.  

These safeguards include both minimum and maximum amounts for each cryptocurrency we allow customers to send through the blockchain.

Minimum: 0.000000000000000001 API3

Maximum: 38,820 API3

By Gemini and Coinbase

Published
Categorized as Hot Crypto

为什么币圈镰刀比韭菜多

如果把币圈比作是一个大赌场的话,那么赵长鹏其实就是那个开赌场,赚手续费抽水的。

虚拟币交易所真的就这么赚钱吗?虚拟币交易所这个圈子究竟是咋样的呢?

为了解答这个问题,差评君有幸和曾在某虚拟币交易所但现在已经金盆洗手的哥们儿聊了聊。

结果却是不聊不知道,一聊吓一跳。

用一句话来形容这个圈子的话:那就是镰刀比韭菜还多,真 TM 的乱!

交易所有能力随时卷钱跑路_

差评君得知的第一点就是,那些你在交易所里的虚拟币其实并不安全,因为他们随时可能卷款跑路。

这么说吧,一般合法正经的交易所,像是证券或是期货这类的,你的账户都是由银行托管,他们是没权利动你的票子的。

甚至是银行自己,也有央行管着,用存款准备金制度来保证用户的取款和资金的清算。

但是绝大部分的虚拟币交易所呢,是不存在那些玩意儿的。。。所有的资产,都在他们的账户上。

所以这些钱交易所们想动就能动,能相信的只有他们自家的良心。

只不过在大部分情况下,这就约等于靠不住。

随便在网上搜索一下关键词 “ 交易所跑路 ”,大伙们就知道良心值多少钱了。

就拿差评君采访的这位老哥为例,他就曾在全球某 TOP 20( 最高进过 TOP 10 )的数字货币交易所工作过。

他们的前老板就是挪用了用户的资产,去另外一家更大的平台买了比特币合约,而且还是加了高倍杠杆的那种。。。

本想搏一搏,摩托变路虎,可怎想赢只是过程,但输才是结果。

在爆仓了之后,资金链就顶不住了,最后自家交易所连提款都出现了问题。

虽然他们多次自欺欺人地发布公告,说网上流言蜚语都是 “ 谣传 ”,但或许承诺只是因为没把握,最后他们的前老板还是选择了卷款跑路。

并不是只赚手续费_

看到这肯定就有差友会说了,交易所就相当于是开赌场的老板,安安心心地赚手续费,抽个水不是稳稳的幸福吗?何必还要玩各种阴招儿赚快钱呢?

某交易所的手续费率 ▼

理论上是这么讲确实没错。

就拿在美国上市的虚拟币交易所 Coinbase 为例,他们在去年的净收入就有 3 亿多美元,总收入中有 96% 都来自交易手续费。

但是呢,并不是所有的交易所都像 Coinbase 这样,有着数千万的用户排着队送钱的。

一些规模较小的二三线交易所,用户盘子其实没那么大,而且人家也不求上市,没有合规之类的压力。

俗话说得好:为了 100% 的利润,不受监管的资本们就敢践踏一切人间法律。在币圈这个 “ 法外之地 ”,谁又会嫌弃钱多呢?

于是乎,包括挪用用户资产在内的,各种黑的、灰的赚快钱方式就层出不穷了。

有些交易所,给钱就能上_

在这些黑灰产中呢,就有一个名叫 “ 上币费 ” 的玩意儿。

还记得今年上半年,差评君为了讽刺币圈割韭菜的容易,花 5 分钟 “ 发行 ” 的虚拟币吗?

其实 “ 割韭菜 ” 的步骤,我只做到了一半。

因为 “ 发 ” 的这些个币,全都躺自己的钱包里,发币方要割的,应该是用户们买币的钱。

这个时候呢,你只要愿意掏钱,这些交易所就会提供所谓的 “ 上币服务 ”,让你的空气币上架他们的交易所,这样就能面向广大的韭菜们了。

根据爆料老哥的透露,因为他们交易所的体量较小,在 19 年前后,上架一个币的价格大概是 20 万左右( 当年他们上架了数百个新币 )。而某头部交易所 H ,当时最高能收到 200 万。

而这可还没完呢,因为他们还拥有有各种各样的媒体资源。

只要钱给的到位,数百家的 “ 区块链媒体 ” 就可以帮你的币发通稿。

像是什么 XX 日报啊、X 色财经啊,立马就会把你上架的空气币给吹得天花乱坠,吸引韭菜们入局。

而在交易所上好空气币、媒体们宣传到位,用户打开交易所准备交易后。。。

好戏,才真正地开始。

数据造假,专割韭菜_

为了让韭菜们相信某某币的交易很火热,交易所们就为发币方推出了 “ 付费 DLC ”,一个叫做 “ 庄家交易系统 ” 的玩意儿,能够自动刷空气币的交易量和深度。

用简单的话说,其实就是刷单。

爆料老哥给出了一个惊人的数字,除那些主流币之外,不少山寨币 90% 的订单都是机器刷的。

而且不止二三线交易所,大部分的头部交易所也都有刷数据的习惯。

更逆天的是,他们能用这套系统,应项目方的要求,不断地挂多单和收币( 交易所能让自家的买单,只收自家的卖单 ),慢慢地把空气币的价格抬高。

在用户被假的数据吸引,并入套之后,庄家们便可以慢慢抛掉自己手上的币,完成收割。

而且除了控盘之外,时间刺客在某些交易所也是合理的存在。

如果出现了一些项目方和交易所不想看到的 “ 异常交易 ”,交易所立马能使出一招时光倒流,直接撤销交易和抹除交易。

另外啊,为了限制你的交易,像是显示什么网络错误、连接超时也都是家常便饭。

你要是问客服咋回事儿,反正就是一句话,那就是:交易量大,网络拥堵啦,或者是你自己网不好吧。

这样说吧,交易所、发币方和区块链媒体都是他们的人,散户还真的斗不过他们。

也因为各种中心化交易所的丑闻频出,不少散户便开始转战 uniswap、pancake 这一类的去中心平台。

平台的代码开源、而且所有的交易记录都存在区块链上,用区块链浏览器一查,所有交易都一目了然。

这样总不会被割韭菜了吧!

只能说,你们还是太年轻了,虽然交易所去中心化了,但发行项目的又不是去中心化的,一些池子浅的空气币项目方的控盘成本反而更低了。。。

项目方们同样把量化交易软件一开,把一万笔交易批量分散到 100 个账户上,在把每个账户的买卖行为配置的合理,就算数据公开,大部分人也都看不出异常。

无论是去中心化还是中心化,被割,仿佛就是那些传销币散户们的命运。。。

当然啦,有时候被割的不止有用户,发币的项目方也偶尔会成为那个冤大头。

据内幕老哥透露,他们就曾遇到过那种,赔到裤衩都没了的项目方。

其中就有一个不愿买付费 DLC 的,他们只付了上币费,默默地上架了自家的空气币。

或许是为了省钱,没买 “ 量化交易服务 ” 的项目方,相当原始地雇了十几人在他们的交易所手动刷单。。。

结果也可想而知,在默默上架之后,因为没 “ 热度 ”,所谓的社区、流量也都没有,币价也就默默归零了。

开个交易所,有钱就行_

散户会被割韭菜、区块链媒体会被整治,就连项目方都可能血本无归。

这么说,好像只要身为平台的交易所自己不乱搞,就可以稳赚不赔。

那么问题来了,开了一个交易所,大概需要多少钱呢?

其实啊,虚拟币交易所圈子,早就形成了自己的一条产业链。

给差评君爆料的那位老哥,他们的公司除了自己有交易所之外,就还有代开交易所服务。

稍微咨询了一下,你要是想开个交易所,最低只需要 5 万块一个月。。。而且除了钱之外,需要提供的只是一个域名罢了。

在你的小交易所开张之后,赚到的手续费呢,提供服务的他们就会先收着,之后再一一跟你们这些小交易们所分成。

而你直接凭本事拉来的上币费,他们一般就不怎么抽成,这部分的票子小交易所们可以全拿。

其中就有一个有趣的故事。

化名为小 A 的大兄弟,就曾找爆料老哥所在的公司代开交易所,但是呢,却只开一个月。。。

大家都在纳闷儿,为啥有人会只开一个月的交易所?

后才得知,这完全就是个局。因为小 A 混迹各种山寨币空气币社群,认识了个想发币上交易所的冤大头项目方,但这项目方其实啥都不懂。

而小 A 开交易所的目的,就是为了坑这一个项目方。上币成功,拿到上币费跑路,这可不是就开一个月就够了吗?

只可惜那位冤大头,本想上币割韭菜,自己却输得那么彻底。

另外呢,市面上还早就有专门提供 “ 合约服务 ” 的商家了,简单地说就是提供期货系统,一些没能力自建合约系统的交易所们,往往就会花钱买他们的服务。

甚至某些交易量 TOP 5 级别的虚拟币交易所,也都是买的 SaaS 商家的服务。

所以总得来说,建一个割韭菜的虚拟币交易所,其实是一件不需要多少技术含量,随便花点小钱就能做成的事儿。

你要是想自己做个 demo, 网上直接就有现成的代码。

当然啦,说了这么多,差评君可不是为了告诉大家,这里人傻钱多速来。

而是为了提醒一波大伙们这里水有多深,门槛有多低,别当韭菜被割了。

但俗话说得好,命运中的一切馈赠,早已在暗中标好了价格。

由于旗下小交易所的里各种虚拟币的控制权,是在提供服务平台的手上的。

最后爆料老哥前老板的爆仓跑路,就连引发了一些的暴雷,连着带崩了几十家用他们服务的交易所。。。

那些在国内打着 “ 技术服务公司 ” 的幌子,实则在给交易所提供技术外包服务的公司,也有一些被警方找了包,后面就进去了。

而且今年在国家对整治虚拟币乱像的大前提下,不少的交易所也纷纷注销了国内主体,清退大陆用户。

最后呢,还是那句话。

对于区块链技术本身,差评君是看好的,但是这可并不是币圈的一系列炒作和割韭菜的合理理由。

而那想继续借此行骗的人,他们的结局应就像爆料老哥所讲的那样:双手抱头、蹲在地上。

因为法律的制裁,已经等候你们多时了。

By 差评君