DeFi信用合作社Xend Finance，如何收穫眾多明星投資機構青睞？

特邀专栏作者

2021-02-17 13:21

本文約8106字，閱讀全文需要約12分鐘

XendFinance是一個面向合作社和信用社的DeFi平台，通過優化和聚合不同DeFi借貸協議，提供多層次的利益，目的是為生活在不穩定經濟中的金融服務不足的人提供高穩定的貨幣收益率和代幣獎勵。

在活動開始前容我先簡單介紹下BlockArk。 BlockArk是一家加密資產行業的投資銀行與市場營銷機構，旗下管理專注加密貨幣一二級基金ArkStream Capital。 BlockArk集投資、品牌、市場增長、戰略諮詢為一體，致力於推動Web3.0的獨角獸們成長。

今天AMA的主題是“DeFi 信用合作社Xend Finance，如何收穫眾多明星投資機構青睞”，嘉賓是Xend Fiance的CEO Ugo Aronu。

今天的AMA活動分為兩個階段，第一個階段為主題問答，我會提出7個提前準備好的問題，以一問一答的形式進行。 7個問題結束後，會進入第二個階段，自由問答。群友可以對嘉賓自由提問，嘉賓自由選擇其中3-5個問題進行回答。被選中問題的小伙伴，將會共同瓜分價值30U的XEND token獎勵。

那先讓Ugoaronu跟大家打個招呼吧

Ugoaronu：Hello Everyone. I am happy to be here. Hope you are all doing great.

Jimmi：Ugoaronu, please briefly introduce Xend Finance before starting

Ugoaronu：Xend Finance is a De-Fi platform for cooperatives and credit unions that provides multi-levels of interest by optimizing and aggregating different De-Fi lending protocols with the aim of providing high stable currency yields and token rewards to the financially underserved living in unstable economies.

Jimmi：Thanks to Ugoaronu's introduction, Let's start.

感謝Ugoaronu的介紹，我們AMA的提問環節正式開始。

Jimmi：The first question. Lending platforms and revenue aggregators are an important part of the DeFi track. Yearn.finance on Ethereum has already made certain achievements. What is your vision for choosing such a track and your original intention for creating Xend?

第一個問題，借貸平台和收益聚合器是DeFi崛起的重要部分，以太坊上的Yearn.finance 已經做出了一定的成績，請問你們選擇這樣的一個賽道的願景和您創造Xend這個項目的初衷是什麼？

Ugoaronu：Xend Finance was formed from the need to protect the value of the savings and contributions of individuals who use Fiat currencies from devaluations as a result of unstable economies.

Xend Finance成立的目的是為了保護使用法幣的個人儲蓄和貢獻價值免受因經濟不穩定而導致貶值的後果。

Our aim is not to compete with existing DeFi aggregators like Yearn Finance but to integrate them and give value to people who are financially underserved and living in unstable economies.

我們的目標不是與現有的DeFi聚合器（如Yearn Finance）競爭，而是將它們整合併為那些資產沒有得到保護的，生活在不穩定經濟環境中的人們提供價值。

We experienced 3 massive currency devaluations in the last 3 years in Nigeria and this is similar to different economies in the world with unstable economies. My mother and I belong to different cooperatives where we save and make monthly contributions(Esusu) to help one another in the cooperative. Realizing that despite saving regularly, we were becoming poorer and losing more value for our money.

在過去的三年中，尼日利亞經歷了3次大規模的貨幣貶值，這與世界上其他經濟不穩定的經濟體相似。我和我的母親在不同的合作社按月定期存款（Esusu），在經濟合作社中互相幫助。我們意識到即使我們有定期儲蓄的行為，但我們仍然貧窮，甚至有時還會承擔很高的經濟損失。

Jimmi：Thank you very much, Next question. Currency devaluation is a common problem faced by many African countries. Preventing currency devaluation has become an urgent need for African countries. We found your traditional solution on the medium: an Esusu system similar to a closed-end fund. As we understand, Xend moved this system to the blockchain, right?

好的非常感謝，第二個問題我了解貨幣貶值是眾多非洲國家普遍面臨的問題，預防貨幣貶值就成為非洲國家一個很迫切的需求，我有在medium上看到你們傳統的解決方案：一個類似封閉式基金的Esusu系統，而Xend就是把這套系統搬到了區塊鏈上？我可以這麼理解嗎？

Ugoaronu：Yes, Xend Finance is the first project to move traditional strategies like Esusu to the blockchain by leveraging DeFi.

是的，Xend Finance是第一個通過利用DeFi將Esusu傳統經濟合作社的策略轉移到區塊鏈的項目。

Jimmi：Ok, the third question is that compared with other products on the same track, such as Yearn.finance, what are the advantages of Xend? What can be the reason for users to choose Xend?

好的第三個問題，請問Xend相對於同一賽道的其他產品，比如Yearn.finance，它的優勢在哪兒裡呢？作為用戶選擇Xend的理由可以是什麼呢？

Ugoaronu：Our target audience is quite different from the existing DeFi audience. We target non-crypto users, financially underserved users and users in unstable economies that need their assets to be protected by any means necessary. We are the answers to their prayers.

首先是受眾不同，我們的目標受眾與現有的DeFi受眾截然不同。我們的目標客戶是非加密用戶，金融服務不足用戶以及不穩定經濟中需要通過必要手段保護其資產的用戶， Xend Finance是他們祈禱的答案。

We also enable easy integration for software developers. We make life easy for software engineers by abstracting the complexity of building directly on the blockchain with our mobile and web SDKs. The SDKs make it easy for non-blockchain software engineers to plug into DeFi.

除此以外，我們還使軟件開發人員可以輕鬆集成。通過使用我們的移動端和Web SDK直接在區塊鏈上構建複雜性Dapp，我們使軟件工程師的工作變得輕鬆。通過SDK，非區塊鏈軟件工程師也可以輕鬆使用構建DeFi Dapp。

Jimmi：Thank you very much for Aronu's answer. The different audiences and the SDK that facilitates developers to create Dapps will indeed be very eye-catching. Next, I want to ask some questions about tokens. Next question. Is XEND an ERC20 token or a BEP20 token? We would like to know why you need to deploy contracts on the Binance Smart Chain and use the revenue pool on Ethereum? What are the benefits of this?

非常感謝Ugoaronu的回答，受眾的不同和方便開發人員創建Dapp的SDK確實會很亮眼，接下來想問一些關於代幣的問題，第四個問題請問XEND是ERC20代幣，還是BEP20代幣？請解釋一下為何要在幣安智能鏈上部署合約而使用以太坊上的收益池？這樣做的好處是什麼？

Ugoaronu：$XEND is an ERC20. We are deploying Xend Finance mainnet on the Ethereum blockchain first because of the mature ecosystem of DeFi protocols currently running on the Ethereum blockchain. By leveraging this large ecosystem, we will be giving our users very high yields. We are also going to deploy on BSC mainnet to give our users access to very low gas fees, faster transactions and cross-chain functionalities.

XEND是ERC20。由於當前在以太坊區塊鏈上運行的DeFi協議是一個成熟的生態系統，我們首先在以太坊區塊鏈上部署Xend Finance主網。通過利用這個龐大的生態系統，將會為我們的用戶帶來很高的收益。我們還將部署在BSC主網上，以使我們的用戶能夠以極低的gas費，更快的交易速度和跨鏈功能進行訪問DeFi Dapp。

Jimmi：What are the functions of the native token XEND?

下一個問題，請問原生代幣XEND的功能都有什麼？

Ugoaronu：Crrently, the function of $XEND contains User Rewards、Fee Based Burns、Governance、Staking.

XEND 目前的功能主要有有用戶獎勵、費用燃燒、治理、質押這4個功能。

Jimmi：So, XEND is also a govermental token, What is the governance logic of the token XEND? What conditions must be met to participate in governance?

所以XEND也是治理代幣，那請問代幣XEND的治理邏輯是什麼？需要滿足什麼樣的條件才能參與治理？

Ugoaronu：Governance is exercised over certain parameters in the smart contract. A member must have up to 500,000 $XEND tokens to participate in governance.

當前治理可以對智能合約中的某些參數執行治理, 參與治理的條件是社區成員必須擁有大於500,000個XEND代幣才能進行投票。

Jimmi：Okay, thanks Aronu for the answer. Last but not least, DeFi also brings some risks in addition to the new ways of adding value to users. We would like to know whether Xend’s contract has been audited? Whether the contract has been cooperated with insurance projects? Is there a plan to ensure the security of smart contracts in the future, such as the development of HACKATHON and so on?

好的，謝謝Aronu的回答，最後一個問題是關於安全性的問題，DeFi在給用戶帶來新的財產增值的方法以外也同樣會帶來一些風險，請問Xend的合約是否審計過，合約是否與保險項目合作過，是否還有後續還會開展保證智能合約安全性的打算？比如開展HACKATHON等。

Ugoaronu：Our contract has been audited. Our contracts are also protected by Decentralized insurance to protect assets of users. We are going to be working on our developer community where we will organize bug bounties, hackathons etc to help improve the security of our protocol.

【自由問答環節】

Jimmi：Thanks to the guests for his wonderful sharing. Our first stage of the theme Q&A comes to an end, and then we enter the free Q&A stage. Group friends can freely ask questions to guests, and guests are free to choose 3-5 questions to answer. The small partners who are selected for the question will share a reward of 30U worth of XEND tokens. Then our freedom issue now begins：

【自由問答環節】

問：What is the Esusu system mentioned many times?

多次提到Esusu系統是什麼呀？

Ugoaronu：So the Esusu System is a savings strategy that is very popular in the African local community where people contribute to a central pool per month and then the members of that pool take turns in receiving the total money in the pool per month

Esusu系統是一種儲蓄策略,在非洲當地非常流行,人們每月向一個中央儲蓄池捐款,然後由該儲蓄池的成員輪流接收每月總金額。

問：Are the users of your Xend limited to Africa or areas that are underdeveloped?

請問你們的Xend的用戶是只限於非洲地區或者發展落後的地區嗎？

Ugoaronu：Our users are not limited to Africa. Our users are global. From our testnet we had over 1500 users from 75 countries.

我們的用戶不僅限於非洲,我們的用戶是全球性的。我們的測試網有來自75個國家的1500多名用戶。

問：How are the tokens of XEND distributed and the token release model?

請問XEND的代幣怎麼分配的，代幣釋放模型？

Ugoaronu：You can find all the information summarized here

https://daomaker.com/sho/xend_finance

在這裡你可以找到所有的信息總結

https://daomaker.com/sho/xend_finance

問：When is Xend's public offering? How to participate? What are the requirements?

請問Xend的什麼時候公募？怎麼參加？需要什麼條件？

Ugoaronu：You can get all the information here

https://medium.com/daomaker/xend-finance-strong-holder-offering-sho-guidelines-4ae70cbd0d3b

你可以在這裡得到所有的信息

https://medium.com/daomaker/xend-finance-strong-holder-offering-sho-guidelines-4ae70cbd0d3b

Jimmi：好的，今天的AMA就到這裡結束了，再次感謝Aronu 的精彩分享，額外獲獎的小伙伴可以私聊sumi@BlockArk小助手登記信息，謝謝大家積極參與！

未來BlockArk將給大家帶來更多的優質項目和內容分享，只要保持關注Uniswap中文社區，或者關注@BlockArk區塊方舟，即可第一時間獲得相關信息。本次AMA的內容回顧也將發佈在微博和各大媒體平台，敬請期待！

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