Akropolis:波卡首个DeFi项目,主打非正式金融协议

2019-07-15 15:48:36    来源:博链财经 分享    

近日,火币全球站宣布,Huobi Prime第四期项目Akropolis (AKRO)将于7月16日20:00上线,作为Polkadot波卡链上首个DeFi项目备受业界关注。

7月15日上午11点,Akropolis 创始人兼 CEO Ana Andria做客博链财经明日星势力》第25期VIP社群访谈。

以下为本期访谈实录(英文为嘉宾原话,中文为工作人员翻译)

博链财经:可否用通俗易懂的语言说一说,Akropolis在区块链世界里解决了或者想要解决什么问题?

Ana Andria:Developing Akropolis, we want to solve several problems that now exist in the blockchain industry.

First of all, it is problem of DAO governance models and interactions protocols between them. As DAO is a promising form of a future organizations, we think that it is very important to focus on this in our project, which is trying to solve problems of community-based economy.

Besides this, we develop several core services for the Polkadot ecosystem that will solve problems of names in Polkadot (Polka Names) and simplify development on top of the Polkadot for devs (Polka Hub).

发起Akropolis项目主要是想解决目前区块链行业存在的几个问题:

首先是解决DAO(Distributed Autonomous Organization)治理模型和各个DAO之间的交互问题。DAO在未来将是一种很有前景的组织形式,它可以帮助我们解决社区经济基础的问题。

此外,我们为Polkadot波卡链生态系统开发了多个核心业务,这些业务将解决波卡链中的命名问题(Polka Names),并让开发者能更轻松的在波卡上进行开发(Polka Hub)。

博链财经:Akropolis大概是什么开始筹划的,过去都做出了哪些成绩,有哪些值得分享的Milestone?

Ana Andria:Akropolis was started in early 2018. Since those time we have been doing deep economic, product and technical research on informal economy, won a 0x Coinlist hackathon with our dApp CashFlowrelay.com, that is a brand new crypto-financial primitive (Commitments to future Cashflows).

Recently, we launched the Governance module of our product on tesntnet - you can try it yourself.

Furthermore, we are building the Akropolis Chain on Polkadot (we have allocated more than 800 hours to this since February), and we are developing Polkahub, a service to improve the ecosystem adoption.

In addition, we are validators in both ChainX and Polkadot.

Akropolis成立于2018年初,从那时起,我们一直在对非主流经济(informal economy)进行深入的经济、产品和技术研究,并凭借我们去中心化应用(DApp)“CashFlowrelay”赢得了一场0x举办的hackathon,(Cashflowrelay)是一个全新的加密经济原语(即对未来现金流的承诺)。

最近,我们也在Testnet上发布了我们产品的治理模组。

另外,我们正在波卡链上搭建Akropolis链(自2月以来,我们已经为此工作了800多个小时),我们也在开发Polka Hub——一项旨在改善波卡生态环境的服务。

我们同时也是ChainX 和波卡上的验证者(Validators)。

博链财经:Akropolis项目的核心亮点都有哪些?

Ana Andria:The key features and highlights of Akropolis:

1) We are focused on building services interacting first of all with communities, not with individual "isolated" users

2) We are targeting huge informal economy market and use historically-proven models from it to give users new experience based on their already established habits and principles of cooperation

3) We are focused on building our service on top of tthe most promising blockchain tech up to date - Polkadot; and we are one of first team started to do it

4) One of core parts of our product is the brand new crypto-financial primitive - Commitments to future cashflows (C2FC), now available at Cashflowrelay.com

5) We working on onboarding users from already existing cooperatives/mutuals/savings group and give them similar, but fully-digital and secure service instead of trying to find customers inside blockchain community

Akropolis特点如下:

1)我们专注于构建一个以“同社区进行互动为首要目标”的服务,不主动参与治理的“孤立”个体用户不在我们的重点中;

2)我们的目标是庞大的非主流经济市场,并基于用户已建立的合作习惯与交易原则,使用经过历史证明的模型来给用户提供全新的体验;

3)我们致力于将我们的服务构建在最有前途的、最新的区块链技术——波卡链Polkadot上,我们也是第一个这样做的团队;

4)我们项目的核心部分之一便是全新的加密经济函数——对未来现金流的承诺(C2FC,Commitment to future cashflows),其已经应用于Cashflowrelay上;

5)我们将努力从现有的合作公社/互助组织/储蓄机构中拓宽用户群,为他们提供相似的、安全的、完全数字化的服务,而非从区块链社区中寻找客户。

博链财经:Akropolis的核心团队构成情况如何?为什么你们能把这个项目做成功?

Ana Andria:In Akropolis we have three top-level positions:

CEO&co-founder (Anastasia Adrianova),

COO&co-founder (Ekaterina Kurbanova) and CTO Alex Maz. Each of them is high-level professional with relevant experience.

Besides this, we have several backend/frontend developers, product owner, designer, researcher and community management team.

I think, that main reason that makes Akropolis success is that we are focused on real demand of billions people and use historically-proven social and economic models coupled with top-level technology stack.

The real success of any product can be measured by its sales (in IT/blockchain user base of a project can be used as indicator).

To achieve good sales, any project needs to solve real problem and do it better than othes in this field and be able to promote this solution.

Based on results of our own researh we think that best field to apply blockchain technology to real economy today (and not tomorrow or in five years) is informal, community-based economy.

So, I think that key point to Akropolis success is focusing on right target market coupled with proper tech stack and user aquisition strategy.

在Akropolis中,我们有三个高层:

创始人兼CEO——Anastasia Adrianova;

联合创始人兼COO——Ekaterina Kurbanova;

CTO——Alex Maz。

他们都是具有相关从业经验的高水平专家。此外,我们还有数个后端/前端开发人员,产品负责人,产品设计师,研究人员以及社区管理团队等。

在我看来,Akropolis成功的主要原因是,我们专注于数十亿人的实际需求,并使用经过历史证明的社会和经济模型与顶级的技术。

任何产品是否是真正意义上的“成功”,都可以通过其销量来衡量(在IT/区块链领域可以用户基数作为指标)。

想要取得好的销量,任何项目都要能解决实际问题,并且相比其他人做的更好,还得将解决方案推广出去。

根据我们的研究结果,我们认为目前(而非未来或五年内)将区块链技术应用于实体经济,最合适的领域是以非主流经济和社区为基础的市场。

所以,我认为Akropolis成功的关键在:专注于正确的目标市场,并结合适当的技术堆栈与用户吸引策略。

博链财经:Akropolis的Token代币经济模型是如何设计的?Akropolis代币最核心的价值体现在哪里?

Ana Andria:The AKRO token has two main functions: staking and right to participation in governance.

Staking works as follows: any token holder can place a token stake in favor of any Guild/AFO.

We named it the Community Trust model. The amount of stakes indicates the trust in relation to the borrower and also acts as skin in the game.

In case of correct debt repayment, token holders are rewarded for their risk in form of the stability fee. The stability fee the is calculated as part of interest rate of a loan.

In case of default on debt, token stake is penalized. Value of stability fee and penalty fee is managed by community and determined by voting (similar to the MakerDAO).

The value, captured by AKRO token is connected to it usage in community trust model (staking).

AKRO 代币主要有两大功能:质押(Staking)和参与治理的权利。

质押的工作原理如下:任何代币持有者都可以将代币质押在Guild/AFO处。

我们将其命名为“社区信任模型”(Community Trust model)。质押数量的大小代表着(质押者)与借款人间的信任程度,(质押数量)同时也是经济博弈的外在表现。

如果账务偿还处于正常情况下,代币持有者会因其承受了风险而获得稳定费用的奖励,稳定费用是作为贷款利率的一部分来进行计算的。

如果发生债务违约,代币质押者将会受到惩罚。稳定费用和违约罚金由社区管理并投票决定(类似于MakerDAO)。

AKRO代币的价值所锚定的是其在社区信任模型中的应用(即质押)。

博链财经:DeFi作为区块链+金融领域的风口,在你们看来,其最大的创新是什么?

Ana Andria:The biggest innovation of DeFi is that it eliminates borders.

Here I mean:

1) borders to participate in the modern economy

2) borders between different financial sevices.

Now, DeFi apps can be uses by anyone regardless their geographic position and moreover with completely interoperability between services.

It is amazing, that AFO in Akropolis network can supply money in Compound, buy mutual virtual real estate (LAND in Decentraland) and seamlessly use it as a collateral or participate in cashflow financing of other AFOs using cashflowrelay.com

去中心化金融最大的创新是其消灭了“边界”,即:1)参与现代经济(如银行、股票)的边界;2)不同金融服务之间的边界;

如今,不论用户位于何处,他都能使用去中心化金融应用程序(De-Fi Dapps),且(去中心化金融)服务之间具备完全互操作性。

有趣的是,Akropolis网络中的AFO既可以在Compound中提供资金,也能购买虚拟房产(如Decentraland中的LAND)并将其进行抵押,还能在Cashflowrelay.com中参与其他AFO的Cashflow(现金流)金融融资。(这便是金融服务的互操作性)

博链财经:作为Polkadot波卡链上的第一个DeFi项目,对于Akropolis来说,参与DeFi有哪些利和弊

Ana Andria:By my opinion, pros of building on top of Polkadot are as follows:

1) Interoperability - our users would be able to use digital assets and financial services from all integrated blockchains

2) Scalability and decreased costs - we are building Akro Chain in Polkadot ecosystem that would allow to decrease transactional costs for our users. The high cost of transactions in Ethereum is well-known problem, so we decided to solve it using our own chain. Besides cost, our own chain will allow our service to scale: if we talking about real adoption, we need to be able to serve millions users.

Cons of building on top of Polkadot are as follows:

1) It is not released yet, so if mainnet launch date would be shifted, date of our launch in Polkadot ecosystem would be shifted as well

2) Security risks: any new tech potentially can have some vulnerabilities or possibilities to be hacked. But, Polkadot is managed by team of great professionals, so we believe that this "cons" would never affect Polkadot and Akropolis.

在我看来,建立在波卡Polkadot上的优势有:

1)互操作性——我们的用户可以使用所有波卡Polkadot已集成的区块链的数字资产与金融服务;

2)可扩展性与低成本——我们正在波卡生态系统中构建AKRO链,这将降低用户的交易成本。以太坊的高昂交易费用问题已众所周知,所以我们决定使用自己的链来解决这个问题。除了成本外,我们的链也将允许拓展更多的业务:如果我们要探讨(如何成为)真正的“应用”,那么服务数百万用户的能力是必须的。

当然,建立在波卡上也存在如下问题:

1)波卡还未正式发布,如果主网上线时间发生变化,我们在波卡生态系统中发布Akropolis的时间也会变化;

2)安全风险:所有具有潜力的新技术或多或少会有一些漏洞,因此有被黑客入侵的风险。但波卡是由专业团队所管理的项目,我们相信这种“漏洞”绝不会影响到波卡和Akropolis。

博链财经:看到Akropolis的合作伙伴有MakerDAO,Akropolis跟稳定币的合作模式主要有哪些?

Ana Andria:We cooperate with stablecoins to provide possibility to save and invest money in stable currency regardless geographic positions and local currency of our users.

We plan to cooperate with more stablecoins, but only with reliable and trusted ones as we don't want to exposure our users to legal and financial risks.

我们与稳定币合作,来提供稳定货币储存和投资的可能性,不论我们用户处在何处,也不论当地货币情况如何。

我们计划和更多的稳定币进行合作,但也只会和可靠且可信的伙伴合作,因为我们不希望让用户存在法律和财务上的风险。

博链财经:当前,Akropolis面临最大的挑战是什么?如何应对?

Ana Andria:I think, that biggest challenge for Akropolis now is user aquisition and migration into Polkadot ecosystem.

It is well known, that user aquisition for decentralized apps is complex problem. We are working on it right now by collaboration with cooperatives, mutual networks and informal savings groups in developing and developed countries to onboad them to Akropolis network in a short time.

Other challenge is our migration into Polkadot ecosystem - we have to develop a lot of stuff in close collaboration with Polkadot team.

It is not easy taking in account that Polkadot is not launched yet and there are a lot of tech changes and things to do.

Nevertheless, I think that we will address both challenges well and release valuable product that will be adopted by end users.

我认为目前Akropolis面临最大的问题,一是吸引用户,二是迁移到波卡生态系统。

众所周知,去中心化应用(Dapps)如何吸引用户是一个相当复杂的问题,我们正在与发达国家和发展中国家的合作公社、多方合作网络以及非正式储蓄机构合作,以便他们可以迅速的参与到Akropolis网络。

另一个问题是关于迁移到波卡生态系统的——我们必须与波卡团队密切合作以开发大量(必要的)资源。

考虑到波卡目前还未正式发布,许多技术(也许会)有所变化,许多工作还得做,(迁移到波卡)这并不是个简单的事情。

尽管如此,我认为我们还是很好的解决了这两个问题,我们也将发布一个对所有终端用户都有价值的产品。

博链财经:区块链应用落地是非常热门的话题,Akropolis相关应用的推进以及落地情况如何,有哪些案例和数据可以分享?

Ana Andria:Answering this question I can share case study devoted to African informal economy.

Economy of significant share of African countries is based on informal savings group. Kenya is most studied country, so we based our calculations on publicly available statistics regarding Kenyan market.

There is 300,000 groups (Chamas) officially there (and 900,000 not officially) holding $3.5 bln in assets. The number of customers on this market is more than 10 mln (conservative assessment ). Acquisition of minor part of these users, for example 5% would give Akropolis user base of 1 million and $3.5 mln in revenue.

我非常愿意分享一个非洲非正规经济的案例研究。

非洲国家很大一部分经济以非正规储蓄集团为基础。肯尼亚是研究最多的国家,因此我们根据有关肯尼亚市场的公开统计数据进行计算。

正式有300,000个团体(Chamas)(以及900,000个未正式)持有30亿美元的资产。该市场的客户数量超过1000万(保守评估)。

转化这些用户中的一小部分,例如5%,将使Akropolis的用户群达到100万和350万美元的收入。

博链财经:Akropolis似乎之前没有在中国市场做太多曝光,这次为什么要选择火币 Prime?背后有那些渊源?

Ana Andria:We are very pleased with Huobi Prime - the platform's reputation speaks for itself - this will also give us a lot of visibility in a country we are very interested to see our project grow at, which is China.

Moreover, we believe China is core for Polkadot's adoption as well, and Huobi plays a major role in adoption.

火币在中国的声望不言而喻,这会让我们在中国获得大量的知名度,中国是我们非常感兴趣的国家,我们也希望在这个国家看到Akropolis项目得到长足发展。

另外,我们相信中国是波卡Polkadot应用的重点,也相信火币将在其中发挥重要作用。

博链财经:对于此次登陆火币 Prime,Akropolis有哪些期待和目标?

Ana Andria:We hope we can do a fair and wide token distribution, as this is core to our project's aims.

Crowdfunding to distribute tokens more widely was always in our roadmap - we want people to be able to use AKRO to vote, stake and grow within our network.

We hope that a large number of people interested in taking active part in decentralized finances and form their own AFOs will join us, and by getting AKRO, participate in the network and take control of their financial future.

Akropolis的目标是让代币Token的分发尽可能的公平和广泛。

通过众筹来更大范围地分发Token一直存在于项目路线图中,我们希望用户能够在网络中使用AKRO进行投票、质押等来似的网络不断成长。

我们希望大部分有兴趣加入到去中心化金融DeFi并组建了自己的AFO的人们可以加入我们,通过获得AKRO通证来参与到网络建设中,并在未来能保管他们自己的资产。

博链财经:未来,Akropolis还会有那些布局和发展规划?

Ana Andria:Brief of our overall plan for the near future:

1) onboard first users to our MVP launched on top of Ethereum

2) Upgrade it according to feedback, provided by users

3) Proceed our collaboration activities with mutuals/cooperative networks/informal savings groups that we started before to onboard more users

4) Build Akropolis on top of the Polkadot, including development of Akro Chain

5) Build core services for Polkadot ecosystem - Polkahub and Polkanames and contribute into Polkadot ecosystem by testing and acting as validators

6) Make marketing campaign and more public speaking/content publishing activities to educate community about Akropolis

对于不久的将来,我们有如下计划:

1)对于已在以太坊上发布的MVP,我们将会公开第一批用户;

2)根据用户的反馈内容来更新;

3)在我们引导更多用户加入网络前,推进与多方互助/合作网络、非正式储蓄机构的合作;

4)在波卡上搭建Akropolis,包括Akro链的开发;

5)为波卡生态系统构建核心服务—Polkahub和Polkanames。通过成为验证者和参加网络测试来为波卡生态系统做出贡献;

6)开展市场营销,推动更多的公开演讲和内容发布等活动,以便社区能够更加了解Akropolis。

栏目介绍:

明日星势力》是由博链财经联合星球日报、金色财经、羊驼区块链和无涯社区等业界知名媒体打造的品牌栏目,意在以“创业和投资”的视角挖掘在区块链领域发展潜力巨大的“明日之星”。

牛熊启示录

每日快讯

WechatIMG5576

高端访谈