【AMA回顧 】 Pledge 通過(guò)金融 NFT 重新制定 defi 游戲規(guī)則
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Pledge 固定利率借貸協(xié)議，旨在利用固定借貸利率來(lái)降低市場(chǎng)波動(dòng)風(fēng)險(xiǎn)并吸引長(zhǎng)期參與者。此外，Pledge 計(jì)劃在未來(lái)引入可生成一組特定債券的權(quán)限、義務(wù)和到期日的金融 NFT。
鏈聞消息，固定利率借貸協(xié)議 Pledge 完成 300 萬(wàn)美元融資，丹華資本（DHVC） 領(lǐng)投，美國(guó)伯克利 Haas 商學(xué)院和斯坦福學(xué)校區(qū)塊鏈教授 Gary LaBlanc、前瑞士信貸資管成員 Ray Wong、硅谷灣區(qū)私人家族借貸機(jī)構(gòu) Torsten 家族成員 Torsten Wendl、Prism protocol 創(chuàng)始人與斯坦福大學(xué) Tse Lab 創(chuàng)辦人 David Tse 參投，所籌資金將用于支持 Pledge 成為主流加密資產(chǎn)借貸平臺(tái)，并實(shí)現(xiàn)現(xiàn)實(shí)世界金融資產(chǎn)的代幣化。
https://www.chainnews.com/news/409789455834.htm
官網(wǎng) :https://info.pledger.finance/
1 Why did Pledge choose the route of fix-rated lending? What is so special about fix-rate lending protocol? What is the Key difference (advantages) against compound/aave/MakerDAO?
Pledge為何選擇固定利率借貸路線？固定利率貸款協(xié)議有什么特別之處？與復(fù)合/aave/MakerDAO 的主要區(qū)別（優(yōu)勢(shì)）是什么？
For Fixed Rate lending, it is inherently more stable than variable lending, rates are more predictable and less volatile which is preferable by our risk averse communities.
就固定利率貸款而言，它本質(zhì)上比可變利率貸款更穩(wěn)定，利率更可預(yù)測(cè)，波動(dòng)更小，這是我們的風(fēng)險(xiǎn)厭惡社區(qū)所喜歡的。
First key difference is the financial NFT. Everyone knows about NFT now. But it can do much more. In pledge, we build every loan, bond, insurance over financial NFT and enable a N-dimensional AMM between them.
第一個(gè)關(guān)鍵區(qū)別是金融 NFT 。現(xiàn)在大家都知道 NFT 了。但它還能做得更多。在質(zhì)押中，我們?cè)诮鹑?NFT 上構(gòu)建每一筆貸款、債券、保險(xiǎn)，并在它們之間實(shí)現(xiàn) N 維 AMM 。
This is to say that in every pool we can have thousands of tokens. Currently most Defi such as MakerDAO, AAVE, COMP only have a pair in many pools. So the liquidity is much higher.
這就是說(shuō)，在每個(gè)池中，我們可以有成千上萬(wàn)的令牌。目前大多數(shù) Def i 如 Maker DAO 、 A AVE 、 COMP 等在很多池中只有一對(duì)。所以流動(dòng)性要高很多。
Second, developers can CREATE their interest yield products here, just like what traders do in Wall street and investment banks. But it's just easier, cheaper, more flexible and safer. And everyone can do that by using the Pledge Protocol, in just several clicks.
第二，開發(fā)者可以在這里創(chuàng)造他們的利息收益產(chǎn)品，就像交易員在華爾街和投資銀行做的一樣。但它只是更簡(jiǎn)單，更便宜，更靈活，更安全。每個(gè)人都可以通過(guò)使用 Pledge Protocol 來(lái)做到這一點(diǎn)，只需幾次點(diǎn)擊。
Historically this can only be done by those 100 traders and 5 companies in Manhattan. And Pledge is making it available to everyone, which, I say, is global financial inclusion. I think this is the responsibility for such a defi project as Pledge.
從歷史上看，這只能由曼哈頓的 100 名交易員和 5 家公司來(lái)完成。Pledge 讓所有人都可以使用它，我說(shuō)，這是全球金融普惠。我覺得這是 Pledge 這樣的 def i 項(xiàng)目的責(zé)任。
Finally, we will partner with COMP, AAVE, Pancake and all top defi projects, to be their LP. By plug-in Pledge's protocols and framework, most defi protocols can immediately have interest rate yield token mint and trade capability.
最后，我們將與 COMP、AAVE、Pancake 以及所有頂級(jí) defi 項(xiàng)目合作，成為他們的 LP。通過(guò)插件 Pledge 的協(xié)議和框架，大多數(shù) defi 協(xié)議可以立即具備利率收益率通證的造幣和交易能力。
2 We heard rumors that pledge talking with micro-financing providers and institutions? Does that mean Pledge will provide services outside of the crypto rim and enter traditional finance as well?
我們聽說(shuō)Pledge與小額融資提供者和機(jī)構(gòu)溝通？
這是否意味著Pledge公司將提供加密邊緣以外的服務(wù)，并進(jìn)入傳統(tǒng)金融領(lǐng)域？
Please check out our website where we are launching a sale now - https://info.pledger.finance
請(qǐng)查看我們的網(wǎng)站，我們正在進(jìn)中-https://info.pledger.finance
Indeed we are talking with local banking institutions across the industry. In fact one of our advisors is Nicole Chang, she is the formal global strategist for East-west Bank is actively helping us seeking more regional and cross country partnerships.
事實(shí)上，我們正在與整個(gè)行業(yè)的當(dāng)?shù)劂y行機(jī)構(gòu)進(jìn)行商談。事實(shí)上，我們的顧問(wèn)之一是 Nicole Chang ，她是東西岸的正式全球戰(zhàn)略師，正在積極幫助我們尋求更多的區(qū)域和跨國(guó)合作伙伴關(guān)系。
We will help bridge the lack of liquidity in traditional finance using the liquidity we have in decentralized finance market and attract the traditional investors using a much more managed risk management mechanism and help build on wealth management.
我們將利用分散金融市場(chǎng)的流動(dòng)性，幫助彌補(bǔ)傳統(tǒng)金融缺乏流動(dòng)性的問(wèn)題，并利用管理更嚴(yán)格的風(fēng)險(xiǎn)管理機(jī)制吸引傳統(tǒng)投資者，幫助建立財(cái)富管理。
3 We heard that Pledge finance is announcing to do a round of IDO at token soft on oct, 5th. And it is starting its own KYC process on sale.pledger.finance, could you please give some details about Token mechanism (token design) and also the IDO details?
我們聽說(shuō) Pledge Finance 宣布將于 10 月 5 日在 tokensoft 上進(jìn)行一輪發(fā)行。它正在sale.pledger.finance 上啟動(dòng)自己的KYC 流程，您能否提供一些有關(guān)令牌機(jī)制（令牌設(shè)計(jì)）以及 發(fā)行 的詳細(xì)信息？
Please check out the official website for IDO KYC registration: sale.pledger.finance. The public sales registration ends on 9/27 11.45pm EST time.
KYC注冊(cè)請(qǐng)查看官網(wǎng)：sale.pledger.finance。 公開注冊(cè)將于美國(guó)東部時(shí)間 9 月 27 日晚上 11 點(diǎn) 45 分結(jié)束。
On the first 15 min, the registration server at Tokensoft is down due to Pledge's internet traffic. It took three hours for them to resume the service.
This affected about 15k users globally.
在前 15 分鐘，Tokensoft 的注冊(cè)服務(wù)器由于 Pledge 的互聯(lián)網(wǎng)流量而關(guān)閉。 他們花了三個(gè)小時(shí)才恢復(fù)服務(wù)。 這影響了全球約 15,000 名用戶。
Pledge is now built on the Binance Smart Chain (BSC) and utilizes a dual governance token mechanism called PLGR & Master-PLGR(MPLGR) tokens.
Pledge 現(xiàn)在建立在 Binance 智能鏈 (BSC) 上，并利用稱為 PLGR 和 Master-PLGR(MPLGR) 令牌的雙重治理令牌機(jī)制。
PLGR tokens are the utility and junior governance vehicle on the Pledge protocol,whereas MPLGR is designed to help handle a set of advanced governance decisions for the platform, which influence the economic policies and incentives structure parameters across the whole ecosystem. PLGR is also a utility token, but it helps balance the ecosystem by being available to more users, thus encouraging users to staking.
PLGR 令牌是 Pledge 協(xié)議上的實(shí)用程序和初級(jí)治理工具，而 MPLGR 是設(shè)計(jì)的 幫助處理平臺(tái)的一組高級(jí)治理決策，這些決策會(huì)影響整個(gè)生態(tài)系統(tǒng)的經(jīng)濟(jì)政策和激勵(lì)結(jié)構(gòu)參數(shù)。PLGR 也是一種實(shí)用型代幣，但它通過(guò)提供給更多用戶來(lái)幫助平衡生態(tài)系統(tǒng)，從而鼓勵(lì)用戶 去staking。
With an innovative bridged dual token structure in Pledge, one crypto asset can function as a yield farming vehicle while the other can function as a governance vehicle.
憑借 Pledge 中創(chuàng)新的橋接雙代幣結(jié)構(gòu)，一種加密資產(chǎn)可以用作收益農(nóng)業(yè)工具，而另一種可以用作治理工具。
PLGR(pledger token) is the yield farming and utility token for DeFi applications, first deployed in BSC environment, with Polkadot, Heco, Polygon, Ethereum versions potentially being created down the road. Each environment is expected to have its own token standards, and each version of PLGR token is swappable across different blockchains.
PLGR（質(zhì)押代幣）是 DeFi 應(yīng)用程序的收益農(nóng)業(yè)和實(shí)用程序代幣，首先部署在 BSC 環(huán)境，Polkadot、Heco、Polygon、以太坊版本可能會(huì)在未來(lái)創(chuàng)建。 每個(gè)環(huán)境都有自己的代幣標(biāo)準(zhǔn)，每個(gè)版本的 PLGR 代幣都可以在不同的區(qū)塊鏈之間交換。
MPLGR (master pledger token) is the master governance token that is initially based on ERC20 token standard, with future BSC standards to launch. MPLGR is used to make governance decisions for the entire Pledge ecosystem, and update any key parameters and token economics as needed.
MPLGR（主質(zhì)押者代幣）是最初基于 ERC20 代幣標(biāo)準(zhǔn)的主治理代幣，未來(lái)將推出 BSC 標(biāo)準(zhǔn)。MPLGR 用于為整個(gè) Pledge 生態(tài)系統(tǒng)做出治理決策，并根據(jù)需要更新任何關(guān)鍵參數(shù)和代幣經(jīng)濟(jì)。
Oh btw, I am the lead developer for the smart contract of the decentralized dual token swap bridge!
Please visit sale.pledger.finance right now to claim your spot.
哦順便說(shuō)一句，我是去中心化雙代幣交換橋智能合約的首席開發(fā)人員！
請(qǐng)立即訪問(wèn) sale.pledger.finance 以獲取您的位置。
4 The term financial NFT is very interesting, and seems like something that can revolutionize the future of finance. What is the nature of the design of Pledge’s financial NFT? How does this become applicable in a real life use case?
金融 NFT 這個(gè)詞非常有意思，看起來(lái)好像可以徹底改變金融的未來(lái)。Pledge 的金融 NFT 設(shè)計(jì)的本質(zhì)是什么？這在現(xiàn)實(shí)生活中是如何應(yīng)用的？
The technology is more innovative and different.
該技術(shù)更具創(chuàng)新性和不同。
We use NFT as the infrastructure. Pledge leverages the latest blockchain technology, especially with ERC 1155 to enable the creation of Financial NFTs to represent each loan, bond, insurance as well as other assets.
我們使用 NFT 作為基礎(chǔ)設(shè)施。Pledge 利用最新的區(qū)塊鏈技術(shù)，尤其是 ERC 1155，能夠創(chuàng)建金融 NFT 來(lái)代表每筆貸款、債券、保險(xiǎn)以及其他資產(chǎn)。
Pledge's Financial NFT supports configurable asset token type, which can have its own terms, metadata, supply and other derivative attributes.
Pledge 的 Financial NFT 支持可配置的資產(chǎn)代幣類型，可以有自己的條款、元數(shù)據(jù)、供應(yīng)等衍生屬性。
A single deployed contract includes a combination of many fungible tokens, non-fungible tokens or other configurations. Financial NFT protocols support game and finance developers with interoperability such as transfer, hedge and trade, and hence are expected to remove the barriers to entry for almost all financial market participants.
單個(gè)部署的合約包括許多可替代代幣、不可替代代幣或其他配置的組合。 金融 NFT 協(xié)議通過(guò)轉(zhuǎn)賬、對(duì)沖和交易等互操作性支持游戲和金融開發(fā)商，因此有望消除幾乎所有金融市場(chǎng)參與者的進(jìn)入壁壘。
Pledge financial NFT allows developers and traders to create their own financial tokens in Pledge. Not just one pair in a pool, it can have thousands of tokens in one pool. This builds up huge liquidity, from billions to trillions.
Pledge 金融 NFT 允許開發(fā)者和交易者在 Pledge 中創(chuàng)建自己的金融代幣。不僅僅是池中的一對(duì)，一個(gè)池中可以有數(shù)千個(gè)代幣。這建立了巨大的流動(dòng)性，從數(shù)十億到數(shù)萬(wàn)億。
5 Under the leadership of Stanford professors and researchers, Pledge protocol may very well become the third biggest byproduct in the blockchain industry, why is that?
在斯坦福大學(xué)教授和研究人員的領(lǐng)導(dǎo)下， Pledge 協(xié)議很可能成為區(qū)塊鏈行業(yè)的第三大副產(chǎn)品，這是為什么呢？
Pledge distinguishes itself as the most aggressive pioneer that pushes the limit of financial innovation. The Pledge team has more than 100 years of combined leadership experience in fintech, structured finance, financial engineering and algorithm optimization.
Pledge 是推動(dòng)金融創(chuàng)新極限的最積極的先驅(qū)。Pledge 團(tuán)隊(duì)在金融科技、結(jié)構(gòu)性金融、金融工程和算法優(yōu)化方面擁有 100 多年的綜合領(lǐng)導(dǎo)經(jīng)驗(yàn)。
As a decentralized engine for all world’s debt instruments, fixed rate lending, fixed yield, refinancing, financial NFTs, structured debt products, interest rate swap, monoline obligation insurance and entry point for TradFi into Defi, all converge at Pledge.
作為世界上所有債務(wù)工具的去中心化引擎，固定利率貸款、固定收益、再融資、金融 NFT、結(jié)構(gòu)性債務(wù)產(chǎn)品、利率互換、單線義務(wù)保險(xiǎn)和 TradFi 進(jìn)入 Defi 的切入點(diǎn)，都匯聚在 Pledge 上。
The existing DEFI loan market is dominated by floating rate products. Pledge’s fixed rate products can provide both sides with much needed certainty and work with floating rate counterparties as essential building blocks for more advanced DEFI products such as derivative contracts.
現(xiàn)有的 DEFI 貸款市場(chǎng)以浮動(dòng)利率產(chǎn)品為主。Pledge 的固定利率產(chǎn)品可以為雙方提供急需的確定性，并與浮動(dòng)利率交易對(duì)手合作，作為衍生合約等更先進(jìn) DEFI 產(chǎn)品的重要組成部分。
Pledge’s innovative privacy-preserving KYC and compliance tools widely open the door for institutional investors to participate in the DEFI without worrying about the regulation, helping boost this market to a trillion dollar-sized one.
Pledge 創(chuàng)新的隱私保護(hù) KYC 和合規(guī)工具為機(jī)構(gòu)投資者打開了參與 DEFI 的大門，而無(wú)需擔(dān)心監(jiān)管，有助于將這個(gè)市場(chǎng)推向萬(wàn)億美元規(guī)模。
6 Pledge sounds more like a framework for DeFi instead of an actual defi product, why is that? What is the difference between other DEX frameworks and Pledge?
Pledge 聽起來(lái)更像是 DeFi 的框架，而不是實(shí)際的 defi 產(chǎn)品，這是為什么呢？其他 DEX 框架和 Pledge 有什么區(qū)別？
One of Pledge’s product directions is to create innovative structured collateralized loan products to meet a diversified portfolio of risk appetites and level of exposure, therefore, improving capital efficiency and reducing liquidity friction. Borrowers can generally benefit from Pledge products with higher loan/collateral ratio.
Pledge 的產(chǎn)品方向之一是創(chuàng)造創(chuàng)新的結(jié)構(gòu)性抵押貸款產(chǎn)品，以滿足多樣化的風(fēng)險(xiǎn)偏好和風(fēng)險(xiǎn)敞口組合，從而提高資本效率并減少流動(dòng)性摩擦。借款人通常可以從貸款/抵押品比率較高的質(zhì)押產(chǎn)品中受益。
Pledge’s innovation also helps create a multi billion dollar monoline insurance market where speculators can provide insurance for risky loans, of course, for a fee.
Pledge 的創(chuàng)新還有助于創(chuàng)建一個(gè)價(jià)值數(shù)十億美元的單一保險(xiǎn)市場(chǎng)，投機(jī)者可以在其中為風(fēng)險(xiǎn)貸款提供保險(xiǎn)，當(dāng)然，需要收費(fèi)。
Pledge aims to satisfy lenders/borrowers/liquidity providers of all kinds within one protocol, which calls for a super nimble and elastic asset pooling mechanism that can meet needs of all kinds such as fixed borrowing term, fixed yield, early liquidity pullout (converting to fixed borrowing term), liquidity mapping, etc.
質(zhì)押旨在在一個(gè)協(xié)議內(nèi)滿足各種貸款人/借款人/流動(dòng)性提供者，這需要一種超級(jí)靈活和彈性的資產(chǎn)池機(jī)制，可以滿足固定借款期限、固定收益、提前退出流動(dòng)性（轉(zhuǎn)換為 固定借款期限）、流動(dòng)性映射等。
Again, every role player is dealing against a highly algorithm driven asset pool rather than pairing supply and demand of the present. The structured products created by Pledge and its ecosystem can serve a much in-depth market - along the supply chain of financial markets.
同樣，每個(gè)角色參與者都在與高度算法驅(qū)動(dòng)的資產(chǎn)池打交道，而不是將當(dāng)前的供需配對(duì)。Pledge 及其生態(tài)系統(tǒng)創(chuàng)建的結(jié)構(gòu)化產(chǎn)品可以服務(wù)于更深入的市場(chǎng)——沿著金融市場(chǎng)的供應(yīng)鏈。
Please check out The official website：https://http://www.pledger.finance/ for more information
Social Media????
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Medium：https://http://medium.com/pledge-finance
GitHub：https://http://github.com/pledger-finance
Weibo（微博）：
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BiHu（幣乎）：https://m.bihu.com/p/1jXntW?i=1jXntW&c=3&s=1jXntW
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