深度對話RioDeFi：鏈接CeFi與DeFi，加速數字資產大規模應用
嘉賓：James Anderson RioDeFi CEO
金融
金融金融，RioDeFi能否帶來最優解？
分享時間：9月10號（週四）15:30pm
導語：DeFi正面臨著巨大的回調，但可能去中心化金融的革命才剛剛開始。如何連接傳統與去中心化金融，加速數字資產的應用，如何讓更多普通用戶也能參與到這場新的風口中，在本期幣撲Plan B中，“下一代科技金融尖端”RioDeFi CEO James Anderson將和我們分享RioDeFi的創新解決方案以及它所構建的繁榮生態。
以下是採訪正文：
區塊鏈技術
答：區塊鏈技術區塊鏈技術公司。我們的使命是通過連接傳統金融和去中心化金融的橋樑，加速數字資產的大規模採用。我們的願景是讓每個人都能獲得去中心化金融服務。
加密貨幣
加密貨幣加密貨幣。 2017年，我創辦了一家名為Blockchain Investor的公司，教人們如何安全地購買、存儲和交易加密貨幣。 2018年，我聯合創立了一家名為Social Evolution的非營利組織，探索如何利用DAOs為人們提供福利和人道主義服務，以及分享有關加密貨幣和DeFi的知識。
我相信，在快速發展的數字經濟中，有許多不同的創造價值的方式。我真的很享受和欣賞加密貨幣領域人們所擁有的激情和樂觀。
說回我們的項目，RioDeFi開始於2019年4月，隨後我們開始搭建Rio Chain以幫助人們在傳統金融和DeFi之間輕鬆移動。
Sure, I’m happy to! Thanks for having me in your group for this AMA. I’m the CEO of Rio DeFi. Rio DeFi is a Blockchain technology company. Our mission is to accelerate the mass adoption of digital assets by bridging traditional and decentralized finance. Our vision is a world in which everyone has access to decentralized financial (DeFi) services.
I got into blockchains through my interest in economics and my research of gold, silver, and alternative currencies after the financial crisis of 2008. It was 2012 that I really started looking into Bitcoin, and I met Vitalik Buterin and Erik Voorhees back in 2013 at a conference called Porcfest in New Hampshire, which is also when I bought my first Bitcoin.
I invested into Ether in 2014, into The DAO in 2016, and over 40+ different cryptocurrencies since then. In 2017 I started a business called Blockchain Investor where I taught people how to securely purchase, store, and trade cryptocurrencies. In 2018 I co-founded a non-profit called Social Evolution that explored ideas around how DAOs could be used to provide welfare and humanitarian services for people, as well as to share knowledge about cryptocurrencies and DeFi.
I believe there are so many different ways of creating value in this rapidly evolving digital economy. I really enjoy the passion and optimism that people in the cryptocurrency space tend to have.
In terms of our project, RioDeFi has been in development since April 2019, when we began the development of RioChain and mapping out the structure of our fiat to crypto gateway to help people easily move between traditional finance and DeFi.
答：
答：RioDeFi正在開發將人們與數字資產、移動支付以及儲蓄和貸款等DeFi服務連接起來的應用程序。我們的解決方案將使交易費用更低、確認速度更快、能源效率更高、存儲安全、全球覆蓋範圍更廣。
RioDeFi完全集成的技術生態系統和解決方案使法令和加密的無縫接口成為可能，這將幫助更多的人獲得加密貨幣。通過我們的OAuth解決方案，Rio錢包非常容易訪問，允許人們使用他們的電子郵件或社交媒體賬戶創建錢包。我們也對Dapp商店感到非常興奮，因為它將提供令人驚嘆的項目，比如MANTRA DAO,、Bitpool、KQJ等。 RioChain上的跨鏈DeFi dApps，如MANTRA DAO，是區塊鏈技術的前沿，將使許多新的金融服務成為可能。
目前，Rio Chain還處於測試網絡階段。我們也有Rio區塊鏈瀏覽器和Rio錢包的beta版本。我們擁有超過20,000個在線交易，並且有超過1,400個用戶錢包在測試轉賬功能。在RioChain上，還有3個Dapps正在測試中：MANTRA DAO(用於質押、借貸和管理的DeFi平台)，Bitpool(基於區塊鏈的預測平台)，KQJ(電子商務遊戲)。
Rio Chain的3個核心模塊已經通過CertiK審計，CertiK是一家世界領先的區塊鏈審計公司，並且他們已經滲透測試了Rio錢包的網頁和移動端版本。您可以從以下鏈接中查詢：https://certik.io/blog/clients-&-partners/riodefi-audit-and-pentest-riowallet/#home
RioDeFi is developing applications that connect people to digital assets, mobile payments, and DeFi services such as savings and lending. Our solutions enable lower transaction fees, faster confirmations, energy efficiency, secure storage, and global reach.
RioDeFi‘s fully integrated ecosystem of technologies and solutions enable a seamless Fiat/Crypto interface, which will help more people gain access to cryptocurrencies. RioWallet is very accessible through our OAuth solution, allowing people to create a wallet using their email or social media accounts. We are also very excited about our dApp store that will feature amazing projects like MANTRA DAO, Bitpool, KQJ, and others. RioChain’s CrossFi (cross-chain DeFi) dApps, such as MANTRA DAO, are on the cutting-edge of blockchain technology, and will enable many new financial services.
RioChain is currently in beta-net mode. We also have beta versions of RioBlockExplorer and RioWallet. We’ve tested over 20,000 on-chain transactions and had over 1,400 user wallets testing out transfer functionality. There are also 3 dApps built on RioChain currently in beta mode: MANTRA DAO (DeFi Platform for Staking, Lending, and Governance), Bitpool (Blockchain-based Predictions Platform), and KQJ (E-commerce Game).
RioChain’s 3 core modules have been audited by CertiK, one of the world’s leading blockchain auditing firms, and they’ve penetration tested both the web & mobile versions of RioWallet. You can find the report press release here: https://certik.io/blog/clients-&-partners/riodefi-audit-and-pentest-riowallet/#home
答：
答：我認為DeFi面臨的最大挑戰是解決可伸縮性(吞吐量過低)、高昂的gas費(這會破壞一些dapps和經濟模式)、安全風險(未經審計的代碼)和糟糕的用戶體驗。我們正在正面解決每一個問題，我將在整個AMA中詳細解釋。
在DeFi領域，有許多令人興奮的和創新的新模式，我們也正在積極開發相關功能。目前，我們正在創建模塊和孵化Dapp，提供流動性挖礦、預測平台、社交電子商務等。在接下來的幾個月裡，你會看到許多新項目在Rio Chain上推出並提供獨特的用戶體驗，我們認為這將幫助區塊鏈技術更容易進入大眾市場。
I think the biggest challenges for DeFi are in addressing scalability (transaction throughput is too low), high gas fees (which can ruin some dapps and business models), security risks (unaudited code), and poor user experience. We’re addressing each of these issues head-on, which I’ll explain in more detail throughout this AMA.
There are many exciting and innovative new models that we’re actively developing on-chain functionality for in DeFi and beyond. We’re creating modules and incubating dApps that provide liquidity mining, yield farming, prediction platforms, social E-commerce, and more. You’ll see many new projects launching on RioChain in the coming months that provide unique user experiences that we think will help blockchain technologies become more accessible to mass markets.
答：
答：在設計Rio Chain時，我們優先考慮安全性、速度、可伸縮性和互操作性。我們在不同鏈上運行以充分利用每個區塊鏈的優勢。使用Parity's Substrate 框架，我們可以在Polkadot生態系統內操作，以實現真正的跨鏈互操作性和DeFi可組合性。
Rio Chain能夠提供更好的可伸縮性( 3000 TPS)，更低的gas費用(只需0.1 RFUEL,並且如果價格過高還可以調整)，更快的速度，更好的升級能力，更加無縫和簡單的用戶體驗。
When designing RioChain, we prioritized security, speed, scalability, and interoperability. We operate across blockchains to leverage the strengths of each. Using Parity’s Substrate framework, we can operate within the Polkadot ecosystem to achieve true cross-chain interoperability and DeFi composability.
RioChain provides greater scalability (up to 3,000 TPS, and orders of magnitude more with parachains), lower gas fees (starting at 0.1 RFUEL and can be adjusted downward if prices ever get too high), faster speeds (with a 2s block time and finality within 5s), better upgradability, and a more seamless & simple user experience. We also provide an end-to-end fiat to crypto gateway.
答：
答：你提到了區塊鏈的一個關鍵問題——三角問題。目前，每個維護比特幣或以太坊網絡的節點都在同一個公共賬本上工作。每個節點必須處理每一個事務。在網絡中增加更多的計算機可以提高安全性，但實際上會降低效率。到目前為止，還沒有一個區塊鏈能夠同時實現可伸縮性、安全性和去中心化。項目方通常需要從3個中挑出2個來專注研發。
對於Rio Chain而言，我們選擇更關注安全性和可伸縮性。隨著區塊鏈技術的改進可以不斷解決這三難困境，我們也將會變得越來越去中心化。
Rio Chain作為聯邦區塊鏈目前使用PoA一致模型運行。在發展早期階段，Rio Chain網絡只有少數幾個節點是由Rio DeFi和我們的創始合夥人運營的。聯邦區塊鏈的好處包括更快的速度、可擴展性、低交易成本、低能耗、強大的安全性，以及能夠更好的與監管機構靠攏。
在3-6個月內，我們將從PoA模型轉換為NPoS共識模型，這與Polkadot (DOT)和Kusama (KSM)使用的模型相同。
You bring up a great point about one of the key issues with blockchains known – the triangle problem. Currently, every node maintaining either the Bitcoin or Ethereum network is working on the same public ledger. Every node has to process every single transaction. Adding more computers into the network improves security, but it can actually decrease efficiency. So far, none of the blockchains have managed to achieve scalability, security, and decentralization at the same time. You generally have to pick 2 out of 3 to focus on. With Rio Chain, we’ve chosen to focus on security and scalability. We will become increasingly more decentralized over time as blockchain technology improves to resolve this trilemma.
Rio Chain currently operates as a federated blockchain using a PoA (Proof of Authority) consensus model. In the early phases of its development, the RioChain network will only have a handful of nodes that are run by Rio DeFi and our founding partners. Benefits of Federated Blockchains include faster speeds, scalability, low transaction costs, low energy consumption, strong security, and increased ability to provide features that better connect with regulated financial institutions.
Within 3-6 months, we’ll be switching from a PoA consensus model to a Nominated Proof of Stake (NPoS) consensus model, which is the same model used by Polkadot (DOT) and Kusama (KSM).
答：
答：Rio Chain的經濟模式核心是獎勵那些為生態系統貢獻價值的人。 Rio Chain由Rio Fuel (RFUEL)驅動，它是平台(gas) token，用於處理交易和執行智能合同。
RFUEL交易費的分配方式如下:
70%給驗證節點，20%給Dapps(以每個Dapp交易的回扣形式)，10% 給Rio生態基金。我們認為這種獨特的獎勵模式將有助於Rio Chain網絡的大規模發展，同時極大地激勵開發者在Rio Chain上構建他們的Dapps。
RFUEL初始分佈如下:
35%用於質押和驗證獎勵
5%新用戶獎勵
5%推薦、晉升和分紅
10%用於Rio生態基金
15%私募
15%私募
5%眾籌
15%團隊和顧問(24個月內獲得，6個月的限制期=前6個月沒有代幣)
就我們開發者社區而言，目前我們還沒有將代碼開源發布，所以只有我們的內部開發者。不過，我們現在正積極專注於迅速擴展我們的開發者社區。
RioChain has an economic model that rewards those contributing value to the ecosystem. RioChain is powered by RioFuel (RFUEL) which is the native platform (gas) token used to process transactions and execute smart contracts. RFUEL transaction fees are distributed as follows: 70% to the Validator nodes, 20% to the dApps (in the form of a rebate for transactions that happen on each dApp), and 10% to the Rio Ecosystem Fund. We think this unique rewards model will help massively grow the RioChain network while hugely incentivizing developers to build their dApps on RioChain.
RFUEL initial distribution is as follows:
35% for staking & validation rewards
5% for new user incentives
5% for referrals, promotions, and bounties
10% for Rio Ecosystem Fund (grants)
10% for reserves
15% for private sales
5% for community crowdsales
15% for team & advisors (vested over 24 months, with a 6 month cliff = no tokens for the first 6 months)
In terms of our developer community, we’ve just come out of stealth mode and haven’t yet released our code as open source, so it’s just our in-house developers at this point. We’re now focusing on rapidly expanding our developer community globally.
答：
答：如前所述，Rio Chain已經有3個Dapps處於測試階段：MANTRA DAO、Bitpool和KQJ。此外，還有3個應用程序目前正在搭建中。雖然Rio Chain是一個聚焦DeFi的平台，但是它可以被用於許多不同的應用，甚至超出了其他layer 1平台的應用範圍。
目前，我們正專注於打造Rio Chain的DeFi功能，並孵化一系列Dapps，這些應用也專注於DeFi服務、流動性挖礦、預測平台、社交電子商務等等。
毫無疑問，我們完全認為中國社區對任何加密貨幣項目都非常有價值，但我們的關注點是全球的。我們是一個多元化的國際團隊，核心成員來自美國、法國、馬來西亞、中國、中國香港、俄羅斯、菲律賓、烏克蘭和羅馬尼亞。此外，我們還有來自許多其他國家的當地社區經理。 Rio defi的生態將擴展到世界各地。
As previously mentioned, we have 3 dApps currently in beta-mode on RioChain: MANTRA DAO, Bitpool, and KQJ. Additionally, there are 3 more applications currently in stealth mode that we’ve been incubating. While RioChain is a DeFi-focused Substrate chain, it can be utilized for many different applications, even beyond what’s possible on other layer 1 blockchains.
We're currently focusing on building out RioChain's DeFi functionality and incubating a broad range of dApps focused on DeFi services, liquidity mining, yield farming, prediction platforms, social E-commerce, and more.
While we absolutely think that Chinese communities are immensely valuable for any cryptocurrency project, our focus is global. We are a diverse international team with core team members from the USA, France, Malaysia, China, Hong Kong（China）, Russia, the Philippines, Ukraine, and Romania. Additionally, we have local community managers from many other countries. The RioDeFi ecosystem will extend to all parts of the world.
答：
答：為了實現我們將法幣和加密貨幣完全集成的願景，Rio DeFi正在與各行各業的世界領先公司合作。
在技術層面上，我們團隊與網絡安全公司CertiK達成了密切合作。由領先的區塊鏈安全審計公司對我們的代碼進行審計，能夠使我們處於與金融機構合作的更有利位置，並積極呼籲非加密貨幣人士將其資金委託給我們。
為了幫助我們設計和實施支付工具，在過去六個月中，我們一直與BCW Group等合作夥伴合作，這可以說是香港最好的支付服務諮詢公司。此外，我們還與銀行行業領先的數字資產託管平台Hex Trust合作，以確保用戶資產的透明度和安全性。
最後，我們正在積極與世界各地的金融機構展開合作，以確保我們的所有服務都完全符合最新法規。這將使我們能夠在全球範圍內擴展產品和服務，並幫助DeFi大規模採用。
In order to fulfill our vision of a fully integrated fiat to crypto, crypto to fiat cycle of financial services, RioDeFi is engaging with a variety of world leading companies in various industries.
On the technical level, our team works in close collaboration with cybersecurity company CertiK. Having our code audited by a leading blockchain security auditing firm puts us in a much stronger position to work with financial institutions and appeal to non-crypto people to entrust us with their money.
To help us devise and implement our payment rails, we have been working over the past six months with partners such as BCW Group, arguably the best Hong Kong based consulting firm for payment services. We also collaborate with Hex Trust, a leading digital asset custody platform for the banking sector, to ensure transparency and security over our users’ assets.
Finally we are working with various financial authorities around the world to ensure all our services are fully compliant with the latest regulations. This will allow us to scale our products and services globally and help DeFi reach mass adoption.
答：
答：我覺得我們需要從大局來看。
在過去的兩年中，DeFi一直受到關注。現在，世界各地數十家銀行可以託管比特幣。價值數十億美元的加密貨幣被用作借貸和儲蓄，這方面領域的創新步伐簡直令人震驚。大家所描述的鯨魚遊戲指的是現在DeFi項目大戶有餘資金比較大，進入然後邊挖邊拋售的行為。
當然，這些項目中的絕大多數都將以失敗告終，但是致力於提供安全基礎設施和可持續經濟模型的項目將會讓數百萬“普通用戶”獲得想像空間極大的機會。
We need to look at the bigger picture.
DeFi has been gaining traction for the past couple of years. Dozens of banks across the world can now take custody of Bitcoin. Billions of dollars worth of cryptocurrencies are being used as the backbone to lending and savings program, the pace of innovation in the space is simply mind blowing. The game for whales you are describing refers to one minor, yet exciting, portion of the spectrum of financial products that blockchain and cryptocurrencies are bringing to the market.
Of course many of these initiatives will fail, but projects that commit to providing secure infrastructures and sustainable economic models will give millions of “ordinary users” access to opportunities that the current financial system cannot even dream of offering.
答：
答：我絕對認為，當前中心化交易所（CEX）與去中心化交易所（DEX）之間的鬥爭對整個加密貨幣空間將是非常有益的。這種良性競爭可以促進整個行業的大規模創新和更快發展。目前，我們看到流動性增加，滑點減少，並且推出了許多新的創新代幣模型。我認為這種快速發展的實驗確實令人興奮。
在許多方面，傳統金融服務和DeFi之間的範式轉換意義深遠。前者基於對人的信任，而後者則幾乎完全依賴於計算機程序。像Nexo和Crypto.com這樣的CeFi選項在兩者之間提供了某種折衷方案。能夠訪問基於區塊鏈的金融服務企業應該能夠提供具有不同風險/回報率水平的平衡產品套件。最終，此類企業的成功將取決於他們能否在其產品中無縫整合這些服務。
從用戶的角度來看，DeFi和CeFi服務提供商的當前狀況非常複雜且難以持續。一旦用戶熟悉了這個多樣化的生態系統並學習瞭如何管理其風險敞口，DeFi和CeFi就會打開一個新的投資機會世界。
安全與試驗，CEX與DEX以及CeFi與DeFi的力量都對技術創新和發展做出了巨大貢獻，我認為這將有助於將這個新的牛市真正推向更高的高度。 Polkadot網絡負責跨鏈互操作性，RioDeFi構成CeFi和DeFi之間的橋樑，以及Polkadot生態系統內的可擴展業務應用程序，我們已準備好引領加密貨幣大規模採用的未來！
I definitely think that the current battle between Centralized exchanges (CEXs) and Decentralized Exchanges (DEXs) is one that will be very beneficial for the overall cryptocurrency space. This sort of healthy rivalry can foster massive innovation and faster developments of the entire industry. Right now we’re seeing liquidity increase, slippage decrease, and lots of new, innovative token models being launched. I think this kind of rapid experimentation is really exciting.
The paradigm shift between traditional financial services and DeFi is profound in many respects. One is based upon trust placed in people while the latter relies almost exclusively on computer programs. CeFi options like Nexo and Crypto.com offer some sort of compromise between them. A business that gives access to blockchain based financial services should be able to provide a balanced suite of products with different levels of risk/return ratios. Ultimately the success of such businesses will lie in their ability to provide a seamless integration of those services within their offer.
From a user’s perspective the current landscape of DeFi and CeFi services provider is very complex and difficult to navigate. Once users get familiar with this diverse ecosystem and learn how to manage their risk exposure, DeFi and CeFi open a new world of investment opportunities.
The forces of security vs. experimentation, CEXs vs. DEXs, and CeFi vs. DeFi are all contributing to a frenzy of development activity that I think will help to really launch this new bull market to greater highs. With the Polkadot network leading the charge on cross-chain interoperability, and RioDeFi forming the bridges between CeFi and DeFi, as well as scalable business applications within the Polkadot ecosystem, we are ready to lead the future of cryptocurrency mass adoption!
