Загрузка видео...

Не удалось загрузить видео

На главную

Polkadot may soon have its own native stablecoin The Polkadot Community Foundation has introduced a formal proposal for $dotUSD, a native decentralized stablecoin utilizing a market-discovered interest rate model. The protocol architecture is derived from Liquity Protocol v2, allowing borrowers to mint $dotUSD against $DOT collateral while self-selecting their...

BSCNews's profile picture

BSCN

1,372,957 subscribers

22,128 просмотров • 22 дней назад •via X (Twitter)

LIVE

Anya Rossi• Live Now

Private livecam show

Комментарии: 15

Фото профиля Alex $DOT 🐂⭕️
Alex $DOT 🐂⭕️22 дней назад

@Tanisorn_reborn @Polkadot Bullish polkadot:native

Фото профиля Reborn 🐂 ⭕️
Reborn 🐂 ⭕️22 дней назад

@Polkadot Super Nova Bullish breakout!✅🚀

Фото профиля Dragan Pavlovic
Dragan Pavlovic22 дней назад

@Polkadot liquity v2 fork is a big move

Фото профиля Filo-z-oof
Filo-z-oof22 дней назад

@Polkadot Omg next Luna coming

Фото профиля Andrey McQueen 🐂⭕
Andrey McQueen 🐂⭕22 дней назад

@Polkadot 🐂🔴

Фото профиля Ledger & Liquidity
Ledger & Liquidity22 дней назад

@Polkadot An on-chain yield curve discovered by the market instead of dictated by an oracle? Now we’re getting somewhere.

Фото профиля Lucky
Lucky22 дней назад

@Polkadot Cool 💪

Фото профиля jevpen
jevpen22 дней назад

What could actually drive DOT demand: • Projects buying recurring coretime (the new pay-as-you-go blockspace) • JAM going live and getting real workloads, not just testnets • Apps and users showing up — not just developers • The tiny staking ETF (or new products) growing meaningfully • A real altseason / drop in BTC dominance Demand is the missing piece.​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​…

Фото профиля CryptoNinjas
CryptoNinjas22 дней назад

@Polkadot broader context on stablecoin standards here

Фото профиля Thinker
Thinker22 дней назад

@Polkadot Mixin Messenger在开始偿还债务了

Фото профиля larp
larp22 дней назад

@Polkadot 🚀🚀

Фото профиля kiki 休業に伴いフォロワー取りません。
kiki 休業に伴いフォロワー取りません。22 дней назад

@Polkadot I have been more deliberate about recording whether price paused or reversed at a zone. @jose5axw

Фото профиля Lucky
Lucky21 дней назад

A major structural milestone for the Polkadot ecosystem. Implementing a self-selected interest rate model derived from Liquity v2 allows the network to build an organic, on-chain yield curve. Moving away from oracle-dependent rate setting significantly mitigates oracle exploitation vectors while unlocking deep, native liquidity for $DOT holders. 🌐⚖️

Фото профиля YuRonnnng
YuRonnnng22 дней назад

@Polkadot Polkadot不應該參與穩定幣的賽道，而是要讓全球的穩定幣建築在Polkadot上然而以$Dot為gas讓其運用最大化，也讓$Dot的持有者利益最大化 .

Фото профиля DrCAO | AIWeb3 | ComputeFlux
DrCAO | AIWeb3 | ComputeFlux22 дней назад

@Polkadot Polkadot doesn’t need another stablecoin ticker. It needs a stablecoin people can borrow safely, spend across apps, and exit without drama. Distribution will matter more than the mechanism.

Похожие видео

We are thrilled to announce the upcoming launch of Enosys Loans, a friendly fork of Liquity V2 by Liquity, deployed on the Flare ☀️. This marks a historic milestone in the DeFi landscape as the first-ever Collateralized Debt Position (CDP) protocol to leverage XRP (FXRP) as collateral to mint a stablecoin. Initially supporting FXRP and wFLR as collateral - but with plans to expand support to include staked XRP (stXRP from Firelight ), FBTC (Bitcoin bridged to Flare), and other assets - Enosys Loans is poised to unlock unprecedented utility for major cryptocurrencies like XRP and Bitcoin in decentralized finance. By harnessing Flare’s advanced infrastructure, including the Flare Time Series Oracle (FTSO) for decentralized collateral pricing, Enosys Loans is set to redefine how non-smart contract assets participate in DeFi. Unlocking DeFi for XRP For the first time, XRP holders can use their assets as collateral in a CDP to mint a new stablecoin, enabling participation in DeFi applications such as lending, borrowing, and yield generation while still maintaining exposure to the underlying FXRP. This is a transformative step for XRP, which, due to the XRP Ledger’s lack of native smart contract functionality, has historically been excluded from the broader DeFi ecosystem. The planned inclusion of FBTC will further extend this capability to Bitcoin, unlocking the potential of two of the most valuable cryptocurrencies-representing trillions in market capitalization-for DeFi use cases. A Friendly Fork of Liquity V2: Proven and Enhanced Enosys Loans builds on the robust foundation of Liquity V2, a leading CDP protocol on Ethereum known for its efficiency, low fees, and user controlled interest rates. By forking Liquity V2, Enosys inherits its battle-tested mechanics while tailoring the protocol to Flare’s unique capabilities. This friendly fork enhances Liquity’s model by integrating Flare’s decentralized infrastructure, ensuring Enosys Loans is optimized for scalability, security, and interoperability. Flare FTSO: Decentralized and Reliable Price Feeds A cornerstone of Enosys Loans is its use of the Flare Time Series Oracle (FTSO) for decentralized collateral pricing. Unlike traditional oracles that may rely on centralized data sources, FTSO aggregates price feeds from independent signal providers, delivering highly accurate and tamper-resistant data for assets like FXRP and FBTC. This ensures that Enosys Loans maintains precise collateral-to-debt ratios, protecting users from volatility and enabling trustless, secure borrowing. With the FTSO’s ability to scale to thousands of data feeds (as seen with FTSO V2), Enosys Loans is future-proofed for supporting an expanding range of collateral types. Delegation Rewards and FlareDrops In keeping with the Enosys ethos, all wFLR that is used as collateral will be delegated on the owners behalf. This wFLR will receive delegation rewards and FlareDrops which will be claimable by the owner when distributed by the Flare systems. Expanding Collateral Options Enosys Loans will initially support FXRP and wFLR as collateral, enabling XRP holders to mint a stablecoin for use in Flare’s DeFi ecosystem. However, the protocol’s roadmap includes support for stXRP, FBTC, and other F-Assets, creating a versatile platform that caters to diverse user needs. This expansion will position Enosys Loans as a multi-asset CDP, allowing users to leverage a variety of high-value cryptocurrencies while maintaining the protocol’s decentralized and trustless ethos.
0:20

We are thrilled to announce the upcoming launch of Enosys Loans, a friendly fork of Liquity V2 by Liquity, deployed on the Flare ☀️. This marks a historic milestone in the DeFi landscape as the first-ever Collateralized Debt Position (CDP) protocol to leverage XRP (FXRP) as collateral to mint a stablecoin. Initially supporting FXRP and wFLR as collateral - but with plans to expand support to include staked XRP (stXRP from Firelight ), FBTC (Bitcoin bridged to Flare), and other assets - Enosys Loans is poised to unlock unprecedented utility for major cryptocurrencies like XRP and Bitcoin in decentralized finance. By harnessing Flare’s advanced infrastructure, including the Flare Time Series Oracle (FTSO) for decentralized collateral pricing, Enosys Loans is set to redefine how non-smart contract assets participate in DeFi. Unlocking DeFi for XRP For the first time, XRP holders can use their assets as collateral in a CDP to mint a new stablecoin, enabling participation in DeFi applications such as lending, borrowing, and yield generation while still maintaining exposure to the underlying FXRP. This is a transformative step for XRP, which, due to the XRP Ledger’s lack of native smart contract functionality, has historically been excluded from the broader DeFi ecosystem. The planned inclusion of FBTC will further extend this capability to Bitcoin, unlocking the potential of two of the most valuable cryptocurrencies-representing trillions in market capitalization-for DeFi use cases. A Friendly Fork of Liquity V2: Proven and Enhanced Enosys Loans builds on the robust foundation of Liquity V2, a leading CDP protocol on Ethereum known for its efficiency, low fees, and user controlled interest rates. By forking Liquity V2, Enosys inherits its battle-tested mechanics while tailoring the protocol to Flare’s unique capabilities. This friendly fork enhances Liquity’s model by integrating Flare’s decentralized infrastructure, ensuring Enosys Loans is optimized for scalability, security, and interoperability. Flare FTSO: Decentralized and Reliable Price Feeds A cornerstone of Enosys Loans is its use of the Flare Time Series Oracle (FTSO) for decentralized collateral pricing. Unlike traditional oracles that may rely on centralized data sources, FTSO aggregates price feeds from independent signal providers, delivering highly accurate and tamper-resistant data for assets like FXRP and FBTC. This ensures that Enosys Loans maintains precise collateral-to-debt ratios, protecting users from volatility and enabling trustless, secure borrowing. With the FTSO’s ability to scale to thousands of data feeds (as seen with FTSO V2), Enosys Loans is future-proofed for supporting an expanding range of collateral types. Delegation Rewards and FlareDrops In keeping with the Enosys ethos, all wFLR that is used as collateral will be delegated on the owners behalf. This wFLR will receive delegation rewards and FlareDrops which will be claimable by the owner when distributed by the Flare systems. Expanding Collateral Options Enosys Loans will initially support FXRP and wFLR as collateral, enabling XRP holders to mint a stablecoin for use in Flare’s DeFi ecosystem. However, the protocol’s roadmap includes support for stXRP, FBTC, and other F-Assets, creating a versatile platform that caters to diverse user needs. This expansion will position Enosys Loans as a multi-asset CDP, allowing users to leverage a variety of high-value cryptocurrencies while maintaining the protocol’s decentralized and trustless ethos.

Ēnosys

323,987 просмотров • 1 год назад

$LUSD Market Cap is down $100,000,000 in 3 months. $GHO is sitting at 96 cents. Decentralized stablecoins are dying. How can ERN survive? How does Reaper help? Here is a simple explanation of what’s been disrupting decentralized stablecoins: 1. Using real-world assets like bonds, DAI offers a 5% risk-free rate. This effectively raises the minimum cost to borrow a stablecoin to 5%. 2. Stablecoins like GHO and LUSD allow users to mint them for low fees and interest. The total cost to mint GHO is <5%. 3. Users mint GHO for, say, <2%, then swap their GHO for DAI and deposit the DAI for 5%. This nets them an easy 3%. Rinse and repeat using the new sDAI collateral. 4. All this swapping out of GHO creates sell pressure keeping GHO below its $1 peg. The same is happening to LUSD, which issues loans for 0 interest. ERN was built to thrive under these conditions, developed in response to rising tradfi interest rates. Our goal was to build a stablecoin that could be interest-free while still competing in a high-rate environment. Thanks to the power of Reaper, Ethos Reserve can generate yield on its underlying assets, giving it the power to establish a low-risk rate of yield just like its RWA counterparts, without the risks of centralization. Reaper is the beating heart that pumps Real Yield through the entire OATH ecosystem, giving ERN the power to outperform. Learn more on and follow our account to stay up to date.
0:48

$LUSD Market Cap is down $100,000,000 in 3 months. $GHO is sitting at 96 cents. Decentralized stablecoins are dying. How can ERN survive? How does Reaper help? Here is a simple explanation of what’s been disrupting decentralized stablecoins: 1. Using real-world assets like bonds, DAI offers a 5% risk-free rate. This effectively raises the minimum cost to borrow a stablecoin to 5%. 2. Stablecoins like GHO and LUSD allow users to mint them for low fees and interest. The total cost to mint GHO is <5%. 3. Users mint GHO for, say, <2%, then swap their GHO for DAI and deposit the DAI for 5%. This nets them an easy 3%. Rinse and repeat using the new sDAI collateral. 4. All this swapping out of GHO creates sell pressure keeping GHO below its $1 peg. The same is happening to LUSD, which issues loans for 0 interest. ERN was built to thrive under these conditions, developed in response to rising tradfi interest rates. Our goal was to build a stablecoin that could be interest-free while still competing in a high-rate environment. Thanks to the power of Reaper, Ethos Reserve can generate yield on its underlying assets, giving it the power to establish a low-risk rate of yield just like its RWA counterparts, without the risks of centralization. Reaper is the beating heart that pumps Real Yield through the entire OATH ecosystem, giving ERN the power to outperform. Learn more on and follow our account to stay up to date.

Granary Finance

11,690 просмотров • 2 лет назад

Introducing the first ever XRP backed CDP - Enosys Loans! Enosys Loans is a friendly fork of Liquity V2 (Liquity), deployed on Flare ☀️. Secured by decentralized price feeds from the FTSO and protected with live monitoring through HypernativeLabs, Enosys Loans brings the battle tested functionality of Liquity V2 to #XRPFi. Supply FXRP or wFLR as collateral to borrow CDP Dollars - a soft pegged stablecoin - and access the value of your assets without having to sell. Set your own interest rate for borrowing, or delegate rate management to nortso for stress free borrowing. Supply your $CDP to the Enosys Loans Stability Pools to earn protocol fees, liquidation rewards, rFLR and $APS. CDP in the FXRP Stability Pool earns 75% of FXRP branch mint fees and interest, plus 80k rFLR and 0.4 APS per day in incentives. CDP in the wFLR Stability Pool earns 75% of wFLR branch mint fees and interest, plus 20k rFLR and 0.1 APS per day in incentives. Or, supply liquidity to the new CDP/USDT0 LP on Enosys DEX V3 to earn swap fees and a share of 100k rFLR and 0.5 APS per day! Initial Mint Caps are set to $4M CDP for FXRP and $1M CDP for wFLR. Join the next evolution of #XRPFi now at
1:04

Introducing the first ever XRP backed CDP - Enosys Loans! Enosys Loans is a friendly fork of Liquity V2 (Liquity), deployed on Flare ☀️. Secured by decentralized price feeds from the FTSO and protected with live monitoring through HypernativeLabs, Enosys Loans brings the battle tested functionality of Liquity V2 to #XRPFi. Supply FXRP or wFLR as collateral to borrow CDP Dollars - a soft pegged stablecoin - and access the value of your assets without having to sell. Set your own interest rate for borrowing, or delegate rate management to nortso for stress free borrowing. Supply your $CDP to the Enosys Loans Stability Pools to earn protocol fees, liquidation rewards, rFLR and $APS. CDP in the FXRP Stability Pool earns 75% of FXRP branch mint fees and interest, plus 80k rFLR and 0.4 APS per day in incentives. CDP in the wFLR Stability Pool earns 75% of wFLR branch mint fees and interest, plus 20k rFLR and 0.1 APS per day in incentives. Or, supply liquidity to the new CDP/USDT0 LP on Enosys DEX V3 to earn swap fees and a share of 100k rFLR and 0.5 APS per day! Initial Mint Caps are set to $4M CDP for FXRP and $1M CDP for wFLR. Join the next evolution of #XRPFi now at

Ēnosys

85,194 просмотров • 9 месяцев назад

Internet Computer Set to Unveil The Most Powerful DeFi Application in the world... Internet Computer's (DFINITY Foundation) Founder, dom | icp, teases the launch of MULTI/DEX on ICP, a decentralized exchange architecture designed to operate without cross-chain bridges. The protocol enables native deposits and withdrawals directly from external chains, utilizing a unified liquidity vault and AMM outcalls to eliminate traditional arbitrage drain. Managed by the Network Nervous System (NNS) DAO, the platform integrates spot and margin trading with full decentralized autonomy. The demo video will be live soon, revealing its capabilities.
0:30

Internet Computer Set to Unveil The Most Powerful DeFi Application in the world... Internet Computer's (DFINITY Foundation) Founder, dom | icp, teases the launch of MULTI/DEX on ICP, a decentralized exchange architecture designed to operate without cross-chain bridges. The protocol enables native deposits and withdrawals directly from external chains, utilizing a unified liquidity vault and AMM outcalls to eliminate traditional arbitrage drain. Managed by the Network Nervous System (NNS) DAO, the platform integrates spot and margin trading with full decentralized autonomy. The demo video will be live soon, revealing its capabilities.

BSCN

50,622 просмотров • 3 месяцев назад

So what exactly is Enosys Loans, and why should you be interested? Enosys Loans is an upcoming Collateralized Debt Protocol utilizing assets on the Flare ☀️ (FXRP, wFLR, stXRP, sFLR, etc) as collateral to mint a stablecoin (CDP). This differs from a traditional lend/borrow market like Kinetic.Market☀️ in that the Loans protocol itself is the counterparty to the loan, rather than a pool of user assets that are allocated for lending. In Enosys Loans, borrowers set their own interest rates, with 75% of the interest being paid to that collateral asset’s stability pool. (The remaining 25% is split between Enosys and the APY Cloud.) CDP holders can stake their CDP into one of the collateral branches' stability pools to earn real yield from the protocol, as well as incentives paid out in rFLR and APS. While in the stability pool, CDP staked by users may be used to cover debt during a liquidation event. If this happens, the value of the CDP used to pay the debt is rewarded with 1.05x its value in the collateral asset. Here is an example: A user takes $10,000 worth of wFLR and opens a new loan, taking debt of $5,000 CDP at a user set interest rate of 4%. Their wFLR being used as collateral is automatically delegated to DeFi Oracles, and they continue to receive delegation rewards and FlareDrops, claimable through Enosys. The user then takes $4,000 CDP and places it in the stability pool for FXRP, earning a share of 75% of all fees generated by the FXRP branch, as well as a share of rFLR and APS incentives being rewarded to that stability pool. They take the remaining $1,000 CDP and pair it with USDT0 in the Enosys DEX V3 LP, now earning swap fees, rFLR, and APS incentives based on their share of active liquidity on the CDP/USDT0 pair. A liquidation event happens on the FXRP side and $100 CDP of the users stake is used to cover the debt, leaving the user with a reward claim of $105 worth of FXRP at the liquidation price. So, the user is now earning delegation rewards, FlareDrops, CDP interest yield, FXRP liquidation yield, CDP and USDT0 swap fees, rFLR incentives and APS incentives. All at a user set interest rate of 4% on the initial debt. #XRPFI
0:27

So what exactly is Enosys Loans, and why should you be interested? Enosys Loans is an upcoming Collateralized Debt Protocol utilizing assets on the Flare ☀️ (FXRP, wFLR, stXRP, sFLR, etc) as collateral to mint a stablecoin (CDP). This differs from a traditional lend/borrow market like Kinetic.Market☀️ in that the Loans protocol itself is the counterparty to the loan, rather than a pool of user assets that are allocated for lending. In Enosys Loans, borrowers set their own interest rates, with 75% of the interest being paid to that collateral asset’s stability pool. (The remaining 25% is split between Enosys and the APY Cloud.) CDP holders can stake their CDP into one of the collateral branches' stability pools to earn real yield from the protocol, as well as incentives paid out in rFLR and APS. While in the stability pool, CDP staked by users may be used to cover debt during a liquidation event. If this happens, the value of the CDP used to pay the debt is rewarded with 1.05x its value in the collateral asset. Here is an example: A user takes $10,000 worth of wFLR and opens a new loan, taking debt of $5,000 CDP at a user set interest rate of 4%. Their wFLR being used as collateral is automatically delegated to DeFi Oracles, and they continue to receive delegation rewards and FlareDrops, claimable through Enosys. The user then takes $4,000 CDP and places it in the stability pool for FXRP, earning a share of 75% of all fees generated by the FXRP branch, as well as a share of rFLR and APS incentives being rewarded to that stability pool. They take the remaining $1,000 CDP and pair it with USDT0 in the Enosys DEX V3 LP, now earning swap fees, rFLR, and APS incentives based on their share of active liquidity on the CDP/USDT0 pair. A liquidation event happens on the FXRP side and $100 CDP of the users stake is used to cover the debt, leaving the user with a reward claim of $105 worth of FXRP at the liquidation price. So, the user is now earning delegation rewards, FlareDrops, CDP interest yield, FXRP liquidation yield, CDP and USDT0 swap fees, rFLR incentives and APS incentives. All at a user set interest rate of 4% on the initial debt. #XRPFI

Ēnosys

48,697 просмотров • 11 месяцев назад

Given the current bullish market sentiment and the evident shift of users towards more volatile assets, there's a steadily increasing demand for stablecoins within the ecosystem. This shift is underscored by the growing use of leverage, where users borrow stablecoins to amplify their exposure to preferred volatile assets or to implement various strategies in DeFi. As the #MultiversX ecosystem currently lacks a native stablecoin, it faces challenges in achieving mature stable liquidity. Recognizing this gap, Hatom has significantly advanced in developing $USH, the first native stablecoin for #MultiversX. This stablecoin is akin to $DAI, the pioneering decentralized and over-collateralized stablecoin known for its resilience through numerous stress tests over the years, but will also feature some unique characteristics and design implementation. Within the #MultiversX ecosystem, the currently limited liquidity of stablecoins has led to notable metrics in the Hatom Lending Protocol. Here, the yields users can generate on their $USDC or $USDT have escalated to impressive middle double-digit percentages. This situation offers a golden opportunity for individuals with idle stable assets in their portfolios. The Lending Protocol is an appealing option to leverage these assets, offering remarkable flexibility—there are no lock-up periods, and it carries no risks of impermanent loss. This makes it an excellent choice to generate additional revenue while waiting for those assets to be deployed. Breaking down the current yields through the Lending Protocol as follows: • A 36.83% yield on $USDC, with 32.88% APY derived from the natural supply and demand within the lending protocol—where borrowers are paying the lenders. Additionally, the yield can be increased by 3.95% through the Booster. • A 40.24% yield on $USDT, with a 33.68% APY from providing liquidity to the Lending Protocol, which can be further boosted by 6.56% by staking $HTM into the Booster. All rewards generated through the Booster can be further amplified by 5% with the Accumulator if claimed in $HTM. *For a comprehensive understanding of how the Booster and Accumulator work, please read Hatom's official documentation. Clarification on the yields is crucial, as there is considerable interest in understanding the mechanics behind these attractive rates. Essentially, the yields on both $USDC and $USDT within the Lending Protocol are derived from the dynamics of supply and demand. Suppliers contribute funds to a pool from which other users borrow. As borrowing increases, so does the pool's utilization rate, leading to higher interest rates in both the supply and borrow markets. To achieve an optimal balance, borrowers are incentivized to repay their loans due to the higher cost of loan, which, in turn, provides lenders with more attractive returns on their deposits. This self-regulating mechanism ensures the Lending Protocol maintains a healthy equilibrium between supply and demand, optimizing yields for all participants. Rewards are paid out in the same assets that users deposit. For instance, if a user deposits $USDT into the money market, the yield generated will also be paid in $USDT. The sole exception to this rule applies to Booster rewards, which are paid out in $USDC or $HTM, with the latter offering a 5% premium. **Please note that the yields presented in this post represent current values at the time of posting and may differ by the time you read this. The most efficient way to take advantage of the high yields on the stablecoins is to bridge liquidity into the ecosystem through the official bridge developed by the #MultiversX team. The process is simple and efficient, allowing users to bridge from both #Ethereum and #BSC. You can access the bridge through the following link: To participate in the #MultiversX ecosystem, you will require a compatible wallet, which can be found here: Once your assets are ready, you can supply on the Hatom Lending Protocol by accessing this link: To facilitate your journey, please follow this step-by-step video tutorial, which covers all the basics, from the creation of a #MultiversX wallet to bridging and depositing in the Lending Protocol, to take full advantage.
2:52

Given the current bullish market sentiment and the evident shift of users towards more volatile assets, there's a steadily increasing demand for stablecoins within the ecosystem. This shift is underscored by the growing use of leverage, where users borrow stablecoins to amplify their exposure to preferred volatile assets or to implement various strategies in DeFi. As the #MultiversX ecosystem currently lacks a native stablecoin, it faces challenges in achieving mature stable liquidity. Recognizing this gap, Hatom has significantly advanced in developing $USH, the first native stablecoin for #MultiversX. This stablecoin is akin to $DAI, the pioneering decentralized and over-collateralized stablecoin known for its resilience through numerous stress tests over the years, but will also feature some unique characteristics and design implementation. Within the #MultiversX ecosystem, the currently limited liquidity of stablecoins has led to notable metrics in the Hatom Lending Protocol. Here, the yields users can generate on their $USDC or $USDT have escalated to impressive middle double-digit percentages. This situation offers a golden opportunity for individuals with idle stable assets in their portfolios. The Lending Protocol is an appealing option to leverage these assets, offering remarkable flexibility—there are no lock-up periods, and it carries no risks of impermanent loss. This makes it an excellent choice to generate additional revenue while waiting for those assets to be deployed. Breaking down the current yields through the Lending Protocol as follows: • A 36.83% yield on $USDC, with 32.88% APY derived from the natural supply and demand within the lending protocol—where borrowers are paying the lenders. Additionally, the yield can be increased by 3.95% through the Booster. • A 40.24% yield on $USDT, with a 33.68% APY from providing liquidity to the Lending Protocol, which can be further boosted by 6.56% by staking $HTM into the Booster. All rewards generated through the Booster can be further amplified by 5% with the Accumulator if claimed in $HTM. *For a comprehensive understanding of how the Booster and Accumulator work, please read Hatom's official documentation. Clarification on the yields is crucial, as there is considerable interest in understanding the mechanics behind these attractive rates. Essentially, the yields on both $USDC and $USDT within the Lending Protocol are derived from the dynamics of supply and demand. Suppliers contribute funds to a pool from which other users borrow. As borrowing increases, so does the pool's utilization rate, leading to higher interest rates in both the supply and borrow markets. To achieve an optimal balance, borrowers are incentivized to repay their loans due to the higher cost of loan, which, in turn, provides lenders with more attractive returns on their deposits. This self-regulating mechanism ensures the Lending Protocol maintains a healthy equilibrium between supply and demand, optimizing yields for all participants. Rewards are paid out in the same assets that users deposit. For instance, if a user deposits $USDT into the money market, the yield generated will also be paid in $USDT. The sole exception to this rule applies to Booster rewards, which are paid out in $USDC or $HTM, with the latter offering a 5% premium. **Please note that the yields presented in this post represent current values at the time of posting and may differ by the time you read this. The most efficient way to take advantage of the high yields on the stablecoins is to bridge liquidity into the ecosystem through the official bridge developed by the #MultiversX team. The process is simple and efficient, allowing users to bridge from both #Ethereum and #BSC. You can access the bridge through the following link: To participate in the #MultiversX ecosystem, you will require a compatible wallet, which can be found here: Once your assets are ready, you can supply on the Hatom Lending Protocol by accessing this link: To facilitate your journey, please follow this step-by-step video tutorial, which covers all the basics, from the creation of a #MultiversX wallet to bridging and depositing in the Lending Protocol, to take full advantage.

Hatom Labs

159,969 просмотров • 2 лет назад

DOT BITES #8 🎥This week on $DOT BITES Dr. Gavin Wood Showcases DOOM on JAM at Fudan University Gavin Wood demonstrated the 1993 game DOOM running on JAM, a new blockchain protocol, at Fudan University in Shanghai. The demo highlighted JAM’s ability to execute general-purpose code on-chain, marking a breakthrough for decentralized computing. Play Rivals 🏈 announced over 72,000 cards for trading on its Marketplace, highlighting a thriving economy in the Enter the Mythos N3mus Foundation reported a lively weekly tournament on Moonbeam, showing strong engagement in blockchain gaming. introduced Frog Ninja and Ice Princess for Pudgy Party , adding new collectibles to the Pudgy Penguins NFT game. Polkadot and Kusama Ecosystem Map Goes Live @dotinsights_xyz launched an interactive Ecosystem Map for Polkadot and kusama , supported by Parity Technologies and SubWallet. It provides a comprehensive view of ecosystem projects and offered an NFT incentive for user engagement. Web3 Foundation Announces Decentralized Voices Cohort 4 Delegates The Web3 Foundation named six delegates for Decentralized Voices Cohort 4, entrusting them with 42 million DOT and 180,000 KSM to participate in Polkadot and Kusama’s OpenGov, reflecting a diverse global representation. Polimec Protocol and Scytale Academy Highlight Emerging Talent Scytale Digital announced that @PolimecProtocol and Scytale Academy selected four teams,CognideX, Colb Finance, Joinn Finance, and Roam Network, out of over 80 applicants to build on Polkadot, showcasing the network’s support for innovation. Polkadot Referendum 1501 Gains Strong Support Polkadot’s Referendum 1501, proposing the Treasury acquire stablecoins for stable payouts, is passing with 80.8% approval, aiming to reduce volatility risks for expenses and enhance financial stability. Xcavate Brings Fractional Property Ownership to the UK @xcavateofficial launched a platform allowing users to own 1%-100% of UK properties on-chain, democratizing real estate investment with blockchain-powered fractional ownership and transparent records.
0:46

DOT BITES #8 🎥This week on $DOT BITES Dr. Gavin Wood Showcases DOOM on JAM at Fudan University Gavin Wood demonstrated the 1993 game DOOM running on JAM, a new blockchain protocol, at Fudan University in Shanghai. The demo highlighted JAM’s ability to execute general-purpose code on-chain, marking a breakthrough for decentralized computing. Play Rivals 🏈 announced over 72,000 cards for trading on its Marketplace, highlighting a thriving economy in the Enter the Mythos N3mus Foundation reported a lively weekly tournament on Moonbeam, showing strong engagement in blockchain gaming. introduced Frog Ninja and Ice Princess for Pudgy Party , adding new collectibles to the Pudgy Penguins NFT game. Polkadot and Kusama Ecosystem Map Goes Live @dotinsights_xyz launched an interactive Ecosystem Map for Polkadot and kusama , supported by Parity Technologies and SubWallet. It provides a comprehensive view of ecosystem projects and offered an NFT incentive for user engagement. Web3 Foundation Announces Decentralized Voices Cohort 4 Delegates The Web3 Foundation named six delegates for Decentralized Voices Cohort 4, entrusting them with 42 million DOT and 180,000 KSM to participate in Polkadot and Kusama’s OpenGov, reflecting a diverse global representation. Polimec Protocol and Scytale Academy Highlight Emerging Talent Scytale Digital announced that @PolimecProtocol and Scytale Academy selected four teams,CognideX, Colb Finance, Joinn Finance, and Roam Network, out of over 80 applicants to build on Polkadot, showcasing the network’s support for innovation. Polkadot Referendum 1501 Gains Strong Support Polkadot’s Referendum 1501, proposing the Treasury acquire stablecoins for stable payouts, is passing with 80.8% approval, aiming to reduce volatility risks for expenses and enhance financial stability. Xcavate Brings Fractional Property Ownership to the UK @xcavateofficial launched a platform allowing users to own 1%-100% of UK properties on-chain, democratizing real estate investment with blockchain-powered fractional ownership and transparent records.

Shelley

113,616 просмотров • 1 год назад

Redbelly Network, the World’s ONLY Public Purpose-Built Real-World Asset Tokenisation Platform, is delighted to introduce an innovative partnership that will strengthen our position in the Real World Asset (RWA) market and grow our ecosystem. TProtocol is a decentralized Real World Asset (#RWA) lending protocol which facilitates the liquidity and mass adoption of RWA tokens in DeFi ecosystems. TProtocol V2 introduces a ground-breaking TLending mechanism focused on permissioned RWA tokens. RWA institutions can borrow USDC against their tokens in separated pools with tailored risk parameters, interest rate model and liquidation method. Users can lend their USDC in an over-collateralised manner to get access to a safe real yield backed by RWA tokens. This collaboration is a win-win, as TProtocol will gain access to Redbelly's robust infrastructure, ensuring security, scalability and outstanding network performance. Simultaneously, Redbelly Network will benefit from TProtocol’s innovative DeFi RWA TLending mechanism, creating a strong ecosystem that paves the way for the adoption of Real World Assets on chain. Check out TProtocol and welcome them to the Redbelly Network community!
0:30

Redbelly Network, the World’s ONLY Public Purpose-Built Real-World Asset Tokenisation Platform, is delighted to introduce an innovative partnership that will strengthen our position in the Real World Asset (RWA) market and grow our ecosystem. TProtocol is a decentralized Real World Asset (#RWA) lending protocol which facilitates the liquidity and mass adoption of RWA tokens in DeFi ecosystems. TProtocol V2 introduces a ground-breaking TLending mechanism focused on permissioned RWA tokens. RWA institutions can borrow USDC against their tokens in separated pools with tailored risk parameters, interest rate model and liquidation method. Users can lend their USDC in an over-collateralised manner to get access to a safe real yield backed by RWA tokens. This collaboration is a win-win, as TProtocol will gain access to Redbelly's robust infrastructure, ensuring security, scalability and outstanding network performance. Simultaneously, Redbelly Network will benefit from TProtocol’s innovative DeFi RWA TLending mechanism, creating a strong ecosystem that paves the way for the adoption of Real World Assets on chain. Check out TProtocol and welcome them to the Redbelly Network community!

Redbelly Network

11,667 просмотров • 2 лет назад

Out now- how Alf is seeing things in macro: - bullish stocks and bonds because the Fed put is back - yield curve to bull steepen as Fed cuts interest rates as inflation moderates - the abundance of long-term fixed-rate debt in the U.S. has shielded the American private sector from the ravages of higher rates - however, to say that high rates are actually stimulative is going too far. borrowers will have to refinance eventually - much of European economy has already felt the contractionary effects of higher rates. That is why the Swedish central bank has already begun to cut interest rates. expect more of this This interview is brought to you by VanEck, a global leader in asset management since 1955. I'm very proud to say that VanEck is Forward Guidance's exclusive sponsor - check them out! Recorded on May 8 Enjoy 🔥
1:02:18

Out now- how Alf is seeing things in macro: - bullish stocks and bonds because the Fed put is back - yield curve to bull steepen as Fed cuts interest rates as inflation moderates - the abundance of long-term fixed-rate debt in the U.S. has shielded the American private sector from the ravages of higher rates - however, to say that high rates are actually stimulative is going too far. borrowers will have to refinance eventually - much of European economy has already felt the contractionary effects of higher rates. That is why the Swedish central bank has already begun to cut interest rates. expect more of this This interview is brought to you by VanEck, a global leader in asset management since 1955. I'm very proud to say that VanEck is Forward Guidance's exclusive sponsor - check them out! Recorded on May 8 Enjoy 🔥

Jack Farley

36,817 просмотров • 2 лет назад

10.25%. That’s the number that decides how much millions of South Africans pay on their loans; and it may soon change. In this episode of Number of the Day, Francis Herd explains why the South African Reserve Bank is reviewing the prime interest rate, how it differs from the repo rate set by the SARB, and what a possible shift could mean for borrowers. Clear, practical, and directly relevant to your money. Watch/Listen now:
3:02

10.25%. That’s the number that decides how much millions of South Africans pay on their loans; and it may soon change. In this episode of Number of the Day, Francis Herd explains why the South African Reserve Bank is reviewing the prime interest rate, how it differs from the repo rate set by the SARB, and what a possible shift could mean for borrowers. Clear, practical, and directly relevant to your money. Watch/Listen now:

eNCA

43,728 просмотров • 8 месяцев назад

big personal news i am joining Reflect as head of growth. why reflect. why solana. why now? $300B+ stablecoin market. most of it parked at zero yield. reflect is fixing that. and doing it on the only chain that can actually run internet capital markets at scale the thesis: any project. any collateral. any risk profile. its own stablecoin. risk-first. collateral-agnostic. the layer every stable on sol eventually routes through. every consumer app, every agent, every protocol becoming its own neobank. only possible on solana. backed by a16z crypto & Colosseum. the reflect team is a lineup of absolute chads. easily the sharpest minds in defi. more on the announcements soon. what's next redefines stablecoin infra on Solana. huge shoutout to 0xnico and jacob for the trust. if you're building around stablecoins, neobanks, or sol defi - hmu. see you at accelerate miami 🫡
0:21

big personal news i am joining Reflect as head of growth. why reflect. why solana. why now? $300B+ stablecoin market. most of it parked at zero yield. reflect is fixing that. and doing it on the only chain that can actually run internet capital markets at scale the thesis: any project. any collateral. any risk profile. its own stablecoin. risk-first. collateral-agnostic. the layer every stable on sol eventually routes through. every consumer app, every agent, every protocol becoming its own neobank. only possible on solana. backed by a16z crypto & Colosseum. the reflect team is a lineup of absolute chads. easily the sharpest minds in defi. more on the announcements soon. what's next redefines stablecoin infra on Solana. huge shoutout to 0xnico and jacob for the trust. if you're building around stablecoins, neobanks, or sol defi - hmu. see you at accelerate miami 🫡

Arif

23,562 просмотров • 5 месяцев назад

🌐 BenFen | Next-Gen Multi-Currency Stablecoin Blockchain BenFen is a Layer1 blockchain purpose-built for stablecoin issuance, adoption, and payments, providing trusted and accessible on-chain payment infrastructure for global users and developers. 🟥 Technical Architecture：Built on the Move language, ensuring security, high performance, and accessibility. 🔹 Modular contract design ensures asset security and tamper-proof rules for reliable system operation. 🔹 Sub-second transaction confirmation with stable 10,000+ TPS, optimized for payment and interaction scenarios. 🔹 Supports zkLogin, enabling one-click wallet creation with Google/Apple ID. 🟥 BUSD Stablecoin Mechanism ：Pegged to USDT/USDC, the core on-chain asset 🔹 Cross-chain 1:1 pegged minting with USDT/USDC, wit h native support for stablecoin GAS payments. 🔹 Supports mainstream G20 fiat-backed stablecoin conversions (eg, BUSD/BJPY, BUSD/BEUR). 🔹 Covers key scenarios like asset trading, RWA mapping, on-chain payroll, and daily consumption. 🟥 Native Features: Full-stack capabilities centered around stablecoins 🔹 Supports one-click issuance of stablecoins/RWAs, lowering development barriers. 🔹 Any issued stablecoin can be registered as a Gas token, with sponsored transactions available for Gas subsidies. 🔹 Zero-cost transfers for specific scenarios, enabling real "zero-fee payments". 🔹 Privacy accounts and payments: Supports hidden addresses and balances for privacy-focused use cases. 🔹 Multi-chain asset payments + G20 fiat settlement: Real-time settlement of USDT, SOL, ETH, and other major assets into BJPY, BEUR, BAUD, and other G20 stablecoins. 🟥 Native Cross-Chain Bridge 🔹 Proprietary native cross-chain protocol. 🔹 Supports BTC, ETH, BSC, Polygon, Optimism, Solana, TRON, Base, Avalanche, and more. 🔹 No third-party bridge is needed; assets can be cross-chain with just one click, offering fast, secure, on-chain verification and second-level fund arrival. 📱 BenFen Ecosystem 🔹 BenPay: An open, secure, and efficient comprehensive payment ecosystem, offering users a convenient and secure cryptocurrency payment channel. 🔹 BenPay Card: On-chain self-custodial payment card, with keys in hand, enabling global spending (Supports Apple Pay, Alipay, Amazon, Netflix, X, ChatGPT, etc.). 🔹 BenPay C2C: secure peer-to-peer decentralized trading marketplace. 🔹 BenPay DeFi Earn:A cross-chain yield farming protocol that allows stablecoins from major blockchains to be seamlessly transferred and deposited into high-APY farming pools. 🔹 BenPay DEX: One-click swaps and aggregated matching for stablecoins/crypto assets. 🔹 BenPay Lending: Decentralized finance protocol supporting BTC collateral and USDT lending. 🔹 BenPay Stake: Stake BFC to gain governance rights, ecosystem rewards, and airdrops. 🟥 BenFen DAO 🔹 Utilizes formal verification for security, supporting low-cost proposals and voting to promote community autonomous governance and rights protection. 🟥 Developer-Friendly Platform：Building a low-barrier development ecosystem 🔹 Provides standard SDKs/APIs/contract templates. 🔹 Supports full-cycle development scenarios like stablecoin issuance, RWA issuance, wallet integration, and DeFi application building. 🔹 Lowers development barriers to accelerate innovation. 🧭 Vision: To become the stablecoin value foundation for global on-chain payments BenFen is dedicated to building a next-generation high-performance stablecoin blockchain, with stablecoins as the core on-chain asset. Through native mechanisms, it connects cross-chain assets, stablecoin systems, and on-chain protocols to serve real-world financial interaction scenarios, creating a sustainable and high-frequency accessible stablecoin economic system. Learn more: #BenFen #RWA #Web3Payments #Stablecoin #MoveVM #zkLogin #CryptoInfra #Layer1 #PayFi #CrossChain #BUSD #DeFi #BenPay #OnChainSettlement #Web3Infrastructure
4:38

🌐 BenFen | Next-Gen Multi-Currency Stablecoin Blockchain BenFen is a Layer1 blockchain purpose-built for stablecoin issuance, adoption, and payments, providing trusted and accessible on-chain payment infrastructure for global users and developers. 🟥 Technical Architecture：Built on the Move language, ensuring security, high performance, and accessibility. 🔹 Modular contract design ensures asset security and tamper-proof rules for reliable system operation. 🔹 Sub-second transaction confirmation with stable 10,000+ TPS, optimized for payment and interaction scenarios. 🔹 Supports zkLogin, enabling one-click wallet creation with Google/Apple ID. 🟥 BUSD Stablecoin Mechanism ：Pegged to USDT/USDC, the core on-chain asset 🔹 Cross-chain 1:1 pegged minting with USDT/USDC, wit h native support for stablecoin GAS payments. 🔹 Supports mainstream G20 fiat-backed stablecoin conversions (eg, BUSD/BJPY, BUSD/BEUR). 🔹 Covers key scenarios like asset trading, RWA mapping, on-chain payroll, and daily consumption. 🟥 Native Features: Full-stack capabilities centered around stablecoins 🔹 Supports one-click issuance of stablecoins/RWAs, lowering development barriers. 🔹 Any issued stablecoin can be registered as a Gas token, with sponsored transactions available for Gas subsidies. 🔹 Zero-cost transfers for specific scenarios, enabling real "zero-fee payments". 🔹 Privacy accounts and payments: Supports hidden addresses and balances for privacy-focused use cases. 🔹 Multi-chain asset payments + G20 fiat settlement: Real-time settlement of USDT, SOL, ETH, and other major assets into BJPY, BEUR, BAUD, and other G20 stablecoins. 🟥 Native Cross-Chain Bridge 🔹 Proprietary native cross-chain protocol. 🔹 Supports BTC, ETH, BSC, Polygon, Optimism, Solana, TRON, Base, Avalanche, and more. 🔹 No third-party bridge is needed; assets can be cross-chain with just one click, offering fast, secure, on-chain verification and second-level fund arrival. 📱 BenFen Ecosystem 🔹 BenPay: An open, secure, and efficient comprehensive payment ecosystem, offering users a convenient and secure cryptocurrency payment channel. 🔹 BenPay Card: On-chain self-custodial payment card, with keys in hand, enabling global spending (Supports Apple Pay, Alipay, Amazon, Netflix, X, ChatGPT, etc.). 🔹 BenPay C2C: secure peer-to-peer decentralized trading marketplace. 🔹 BenPay DeFi Earn:A cross-chain yield farming protocol that allows stablecoins from major blockchains to be seamlessly transferred and deposited into high-APY farming pools. 🔹 BenPay DEX: One-click swaps and aggregated matching for stablecoins/crypto assets. 🔹 BenPay Lending: Decentralized finance protocol supporting BTC collateral and USDT lending. 🔹 BenPay Stake: Stake BFC to gain governance rights, ecosystem rewards, and airdrops. 🟥 BenFen DAO 🔹 Utilizes formal verification for security, supporting low-cost proposals and voting to promote community autonomous governance and rights protection. 🟥 Developer-Friendly Platform：Building a low-barrier development ecosystem 🔹 Provides standard SDKs/APIs/contract templates. 🔹 Supports full-cycle development scenarios like stablecoin issuance, RWA issuance, wallet integration, and DeFi application building. 🔹 Lowers development barriers to accelerate innovation. 🧭 Vision: To become the stablecoin value foundation for global on-chain payments BenFen is dedicated to building a next-generation high-performance stablecoin blockchain, with stablecoins as the core on-chain asset. Through native mechanisms, it connects cross-chain assets, stablecoin systems, and on-chain protocols to serve real-world financial interaction scenarios, creating a sustainable and high-frequency accessible stablecoin economic system. Learn more: #BenFen #RWA #Web3Payments #Stablecoin #MoveVM #zkLogin #CryptoInfra #Layer1 #PayFi #CrossChain #BUSD #DeFi #BenPay #OnChainSettlement #Web3Infrastructure

BenFen

37,771 просмотров • 1 год назад

Shido has many important milestones ahead this year, with the most significant being the launch of Nova EVM for the Shido Network, including both testnet and mainnet deployments. Nova is a complete rebuild of the Shido Network, featuring a new consensus protocol and a modular stack. This new design will enable Shido to unlock a range of powerful protocol-level features that support real-world use cases and institutional adoption. The Nova mainnet roadmap not only enhances the chain for DeFi and general computation, but also specifically optimizes it for privacy, stablecoin payments, and financial accounting. Key features on the Nova roadmap: • Gas fees paid in stablecoin at a fixed rate, with automatic conversion to the native Shido token. This optional feature removes gas price volatility and makes accounting and cost forecasting easier for businesses. • Optional privacy transactions designed with compliance in mind. While the Shido Network remains a public chain by default, it can support confidential transfers for users when required. • Reserved blockspace for stablecoin transfers. This ensures guaranteed throughput and enterprise-grade reliability for all stablecoin transactions. • Fee sponsorship, enabling gas-free payments for users when sponsored by applications, service providers, businesses, or the foundation. • An optimized token standard designed to support structured data. As Shido moves forward in 2026, detailed milestones and timelines will be announced for specific features and upgrades to the network. Learn more at
0:30

Shido has many important milestones ahead this year, with the most significant being the launch of Nova EVM for the Shido Network, including both testnet and mainnet deployments. Nova is a complete rebuild of the Shido Network, featuring a new consensus protocol and a modular stack. This new design will enable Shido to unlock a range of powerful protocol-level features that support real-world use cases and institutional adoption. The Nova mainnet roadmap not only enhances the chain for DeFi and general computation, but also specifically optimizes it for privacy, stablecoin payments, and financial accounting. Key features on the Nova roadmap: • Gas fees paid in stablecoin at a fixed rate, with automatic conversion to the native Shido token. This optional feature removes gas price volatility and makes accounting and cost forecasting easier for businesses. • Optional privacy transactions designed with compliance in mind. While the Shido Network remains a public chain by default, it can support confidential transfers for users when required. • Reserved blockspace for stablecoin transfers. This ensures guaranteed throughput and enterprise-grade reliability for all stablecoin transactions. • Fee sponsorship, enabling gas-free payments for users when sponsored by applications, service providers, businesses, or the foundation. • An optimized token standard designed to support structured data. As Shido moves forward in 2026, detailed milestones and timelines will be announced for specific features and upgrades to the network. Learn more at

Shido

214,917 просмотров • 6 месяцев назад

PLEASE SHARE THIS WITH EVERY PERSON YOU KNOW ‼️ Why is the Bank or Finance House allowing this⁉️WE CONSUMERS ARE ON OUR OWN !!! I have tried to explain it here below 👇🏾 A Dealer Incentive Commission (DIC) also known as a Dealer Introduced Commission is a fee or markup that a bank or finance house pays to a car dealership for arranging your car loan. It is a lot of money they get back because of our ignorance, we were told it can range from 20k even up to 75k and more. It affects you the consumer directly in two major ways: 1. Higher Interest Rates on Your Car Loan. When you apply for finance through a dealership's Finance & Insurance (F&I) office, the bank approves your loan at a minimum base rate (called the "buy rate"). It also affects the consumer in a way that the consumer struggles to uplift the deal because that DIC must be paid back if the Bank says deal must be uplifted. So dealerships fight to not uplift the deal. How it works: The dealership is often allowed to increase that interest rate before presenting the final deal to you. The higher the interest rate they convince you to accept, the bigger the commission check the bank pays the dealer. The cost to you: Even a minor rate increase like 1% extra on a R200,000 loan over 60-84 months can add thousands of Rands to your overall repayments over the life of the agreement. 2. Conflict of Interest (Bias in Finance Offers). Because different banks pay different commission structures to dealerships, the dealer has a financial incentive to push you toward the bank that pays them the highest commission, rather than the bank offering you the lowest interest rate. How to Protect Yourself and Beat this !!! Get pre-approved directly: Contact major South African banks (Standard Bank, ABSA, Nedbank, FNB, WesBank) directly for pre-approval before stepping into a showroom. Ask the F&I manager directly: Ask, "What is the bank's base buy-rate for my credit score, and are you adding a markup/DIC to this rate?" MAKE SURE TO RECORD THIS OR LET THEM WRITE IT DOWN AND SIGN !!! Negotiate the interest rate, not just the monthly payment. Dealers often hide higher interest rates by extending loan terms or adjusting balloon payments, DO NOT ACCEPT THAT !! Always negotiate against prime rate (e.g., Prime minus 1% vs. Prime plus 2%). PLEASE PUT THIS INTO PRACTICE YOU WILL NOT BE SORRY BUT GRATEFUL🙏🏾
3:37

PLEASE SHARE THIS WITH EVERY PERSON YOU KNOW ‼️ Why is the Bank or Finance House allowing this⁉️WE CONSUMERS ARE ON OUR OWN !!! I have tried to explain it here below 👇🏾 A Dealer Incentive Commission (DIC) also known as a Dealer Introduced Commission is a fee or markup that a bank or finance house pays to a car dealership for arranging your car loan. It is a lot of money they get back because of our ignorance, we were told it can range from 20k even up to 75k and more. It affects you the consumer directly in two major ways: 1. Higher Interest Rates on Your Car Loan. When you apply for finance through a dealership's Finance & Insurance (F&I) office, the bank approves your loan at a minimum base rate (called the "buy rate"). It also affects the consumer in a way that the consumer struggles to uplift the deal because that DIC must be paid back if the Bank says deal must be uplifted. So dealerships fight to not uplift the deal. How it works: The dealership is often allowed to increase that interest rate before presenting the final deal to you. The higher the interest rate they convince you to accept, the bigger the commission check the bank pays the dealer. The cost to you: Even a minor rate increase like 1% extra on a R200,000 loan over 60-84 months can add thousands of Rands to your overall repayments over the life of the agreement. 2. Conflict of Interest (Bias in Finance Offers). Because different banks pay different commission structures to dealerships, the dealer has a financial incentive to push you toward the bank that pays them the highest commission, rather than the bank offering you the lowest interest rate. How to Protect Yourself and Beat this !!! Get pre-approved directly: Contact major South African banks (Standard Bank, ABSA, Nedbank, FNB, WesBank) directly for pre-approval before stepping into a showroom. Ask the F&I manager directly: Ask, "What is the bank's base buy-rate for my credit score, and are you adding a markup/DIC to this rate?" MAKE SURE TO RECORD THIS OR LET THEM WRITE IT DOWN AND SIGN !!! Negotiate the interest rate, not just the monthly payment. Dealers often hide higher interest rates by extending loan terms or adjusting balloon payments, DO NOT ACCEPT THAT !! Always negotiate against prime rate (e.g., Prime minus 1% vs. Prime plus 2%). PLEASE PUT THIS INTO PRACTICE YOU WILL NOT BE SORRY BUT GRATEFUL🙏🏾

VIEW4YOU

15,812 просмотров • 17 дней назад

On this episode of the Roundtable, the panel discussed the latest market rebound, interest-rate expectations, Bitcoin short liquidations, AI and upcoming IPOs, and the growing role of Robinhood in bringing crypto, tokenized assets, and prediction markets to a broader audience. Special thanks to OLY for joining the discussion and sharing how OLY is building a DeFi-focused ecosystem across Ethereum and Robinhood Chain, using protocol-owned liquidity, long-term treasury strategies, and its LP defense model. Disclaimer: This episode is for informational and educational purposes only. Nothing discussed on this panel constitutes financial advice. Please conduct your own research before making any investment decisions.
56:02

On this episode of the Roundtable, the panel discussed the latest market rebound, interest-rate expectations, Bitcoin short liquidations, AI and upcoming IPOs, and the growing role of Robinhood in bringing crypto, tokenized assets, and prediction markets to a broader audience. Special thanks to OLY for joining the discussion and sharing how OLY is building a DeFi-focused ecosystem across Ethereum and Robinhood Chain, using protocol-owned liquidity, long-term treasury strategies, and its LP defense model. Disclaimer: This episode is for informational and educational purposes only. Nothing discussed on this panel constitutes financial advice. Please conduct your own research before making any investment decisions.

0xMarioNawfal

188,009 просмотров • 27 дней назад

🚨 THE BANKING SYSTEM IS BEING REBUILT ON XRPL For decades, your money sat in a bank. They used it. They earned on it. You got almost nothing. Now that model is moving on-chain. On XRPL, banking doesn’t need a branch, an app login, or a 3-day transfer. You hold assets in your own wallet. You can swap anytime. And instead of a savings account, you can earn interest directly from on-chain products. Native XRPL lending is becoming a real piece of that. Yes, the yields look low compared to the usual crypto circus. That’s the point. Low and sustainable is how real finance works. Any project promising unreal yields is usually just selling risk and calling it opportunity. Earn 1.6% yield, daily. Swap back to XRP anytime. The one-click yield on XRPL is here.
0:52

🚨 THE BANKING SYSTEM IS BEING REBUILT ON XRPL For decades, your money sat in a bank. They used it. They earned on it. You got almost nothing. Now that model is moving on-chain. On XRPL, banking doesn’t need a branch, an app login, or a 3-day transfer. You hold assets in your own wallet. You can swap anytime. And instead of a savings account, you can earn interest directly from on-chain products. Native XRPL lending is becoming a real piece of that. Yes, the yields look low compared to the usual crypto circus. That’s the point. Low and sustainable is how real finance works. Any project promising unreal yields is usually just selling risk and calling it opportunity. Earn 1.6% yield, daily. Swap back to XRP anytime. The one-click yield on XRPL is here.

Stellar Rippler🚀

15,266 просмотров • 22 дней назад

CZ: I Went to Prison for Binance's Weak KYC, While Hyperliquid Has No KYC On June 29, 2026, Binance founder CZ CZ 🔶 BNB discussed Hyperliquid in an interview with The Block. He acknowledged its innovations but noted its no-KYC smart contract model fundamentally differs from a centralized exchange. CZ mentioned the protocol is controlled by a small team with closed-source code and significant authority. He believes today's regulatory environment is vastly different, noting he went to prison for Binance's weak KYC, whereas Hyperliquid has no KYC. Although he would strongly oppose Binance adopting a similar model, he hopes Hyperliquid succeeds. If their mechanism is verified as decentralized, it could bring greater freedom to the industry.
2:17

CZ: I Went to Prison for Binance's Weak KYC, While Hyperliquid Has No KYC On June 29, 2026, Binance founder CZ CZ 🔶 BNB discussed Hyperliquid in an interview with The Block. He acknowledged its innovations but noted its no-KYC smart contract model fundamentally differs from a centralized exchange. CZ mentioned the protocol is controlled by a small team with closed-source code and significant authority. He believes today's regulatory environment is vastly different, noting he went to prison for Binance's weak KYC, whereas Hyperliquid has no KYC. Although he would strongly oppose Binance adopting a similar model, he hopes Hyperliquid succeeds. If their mechanism is verified as decentralized, it could bring greater freedom to the industry.

Wu Blockchain

40,278 просмотров • 2 месяцев назад

Virtuals Protocol 🤝 Pond (Hiring Growth) Virtuals is partnering with Pond to combine the power of a tokenized consumer layer with decentralized model creation on Base. Through this collaboration, builders will be able to create tokenized agents powered by Pond’s models. Imagine a “Zachxbt” detective agent helping users stay away from scam tokens, or a Defi yield optimizer agent helping users maximize their PnL. Beyond agents, builders can even tokenize competitions around decentralized model creation. Imagine a “BTC price predictor” competition where $BTCPP gets airdropped to the best model creators as an incentive. Through this strategic partnership, we will also be working together to create a vibrant AI developer community on Base - more details coming soon.
0:35

Virtuals Protocol 🤝 Pond (Hiring Growth) Virtuals is partnering with Pond to combine the power of a tokenized consumer layer with decentralized model creation on Base. Through this collaboration, builders will be able to create tokenized agents powered by Pond’s models. Imagine a “Zachxbt” detective agent helping users stay away from scam tokens, or a Defi yield optimizer agent helping users maximize their PnL. Beyond agents, builders can even tokenize competitions around decentralized model creation. Imagine a “BTC price predictor” competition where $BTCPP gets airdropped to the best model creators as an incentive. Through this strategic partnership, we will also be working together to create a vibrant AI developer community on Base - more details coming soon.

Virtuals Protocol

344,273 просмотров • 1 год назад