【AMA 回顧】如何從一站式 DeFi 投資平台 YIELD App,安享市場領先年化收益

YIELD App AMA 活動簡要

主題:如何從一站式 DeFi 投資平台 YIELD App,安享市場領先年化收益

時間:2021/05/06 (四) 20:00-21:00

地點:https://t.me/Blockchainintw

嘉賓:Tim Frost ( CEO & Founder )、Justin Wright ( COO & CFO )、Jan Strandberg ( CGO )

主持:Penny 

  • 20:00 – 20:05 預熱+開場
  • 20:05 – 20:15 第一階段:答疑回覆
  • 20:15 – 20:50 第二階段:自由提問 
  • 20:50 – 21:00 第三階段:社群搶答

預熱及開場

大家好,歡迎參加今晚由 Grenade 及 YIELD App 共同舉辦的 AMA,我是今天的主持人 Penny !

在開始之前先和大家簡單介紹一下 YIELD App 和 Grenade

YIELD App
YIELD App 的理念是為人人都應獲得加密貨幣領域的優質投資機會,目標釋放 DeFi 的全部潛力,並致力於將其拓展向全世界。為了實現這一使命,公司提供了一個創新的平台,以最簡單的方式將傳統金融和去中心化金融連接起來。

大家可以透過影片及文章更加了解 YIELD App:
英文版宣傳片 https://www.youtube.com/watch?v=P5Flo01iiro

中文版宣傳片 https://www.youtube.com/watch?v=9XXAwo2RumY

《DeFi 銀行|YIELD App 推出「一鍵式投資」,助普羅大眾打開 DeFi 大門》https://www.grenade.tw/blog/defi-bank-yield-app-one-click-investment/


Grenade 手榴彈
台灣最活躍的區塊鏈公關策略公司,提供活動企劃與執行、策略顧問、公共關係維護、社群運營,以及和金融/科技/區塊鏈相關的資訊推廣、生態建構整合服務。

本次活動特別感謝鏈新聞桑幣筆記每日幣研區塊鏈蝦聊,以及社群的各位熱烈響應

今天的活動將會分為 3 個階段

  1. 答疑:嘉賓回答預先蒐集好的題目
  2. 提問:由社群朋友自由提出疑問
  3. 搶答:社群朋友們搶答本次活動相關的題目

活動時長約為一個小時,將以文字形式呈現。


第一階段:答疑

主持人:We are honored to have Tim, Justin and Jan with us. Would you please make a brief introduction of yourselves ?

我們的 AMA 正式開始囉,今天我們很榮幸邀請到 YIELD App 的 CEO Tim, COO& CFO Justin 和 CGO Jan ,請各位先做個簡單的自我介紹吧!

Tim:

My name is Tim Frost and I am the CEO of YIELD App. I have a rich Fintech, marketing, business development, and operations background. YIELD App is my 3rd digital bank – I have been behind many successful fintech and blockchain companies, specializing in early-stage growth, operations, and development.

I was part of the founding team of Wirex and supported operations, business development, and marketing for the first 18 months. I also helped take EQIBank,  a global digital challenger bank with an average client AUM of $250,000, to market. I have helped accelerate early-stage blockchain startups QTUM, NEO, Paxful, Polymath, Selfkey, Everex, and many others.

Tim Frost 是 YIELD 的首席執行長,在金融科技、市場營銷、BD 和運營方面都有豐富的行業背景和經驗,YIELD.app 是他創立的第三家數位銀行,曾經也是許多成功的金融科技和區塊鏈公司的關鍵人物。對於公司早期的增長、運營與發展經驗豐富。

他曾是 Wirex 創始團隊的一員,在最初的18個月中為運營、業務開發和市場營銷提供支持。 幫助 EQIBank 推銷了平均客戶資產管理規模(AUM)25 萬美元的全球數位挑戰者銀行,也加入並助力多個初始階段的區塊鏈初創公司,如 QTUM,NEO,Paxful,Polymath,Selfkey,Everex 等。

Jan:

Hey everyone, I have been a growth hacker and digital nomad for more than 10+ years and now leading the growth at YIELD. I’ve helped successfully scale-up companies in the sphere and I was the head of marketing at Paxful, now the largest P2P marketplace worldwide. I’ve scaled up Paxful from 50,000 users to more than 4.5 million and from a revenue perspective from 100k USD to 45 million USD weekly.

Jan 作為「成長駭客」,也是數位營銷領域的專家,在行業內有超過 10 年的經驗,目前引領著 YIELD 在各個市場增長。他曾是 Paxful(現在是全球最大的 P2P 市場)的營銷主管,在這個領域有非常成功的經驗,不僅將 Paxful 的用戶人數從 5 萬人擴大到了 450 萬,也將每週營收從 10 萬美元增長到 4,500 萬美元!

Justin:

Hi, I’m Justin Wright, CFO and COO of YIELD App. I have over 25 years experience in capital markets, investment banking, fund management and fintech. I now have almost a year under my belt in crypto through YIELD App, which has been a steep but enlightening learning curve and I’m more passionate than ever about the possibilities of DeFi. I’m very happy to be here and looking forward to the rest of 2021 as we start hitting our roadmap goals!

YIELD App 的首席財務官兼首席運營官 Justin Wright。之前在資本市場、傳統金融、基金管理和金融科技領域有超過 25 年的深厚背景。現在加入 YIELD App 團隊後在加密行業將近一年,也经历了富有挑戰又非常富有啟發性的過程,他本人也對DeFi的未來很有熱情。他表示今天很高興可以和團隊一起參加這場 AMA,並期望 2021年餘下的時間,可以與團隊實現產品線路圖中的眾多目標!

主持人:謝謝嘉賓們的介紹,第一階段將由嘉賓回答預先蒐集好的題目。

Q1. Welcome the YIELD team to the AMA with Grenade, could you please briefly introduce YIELD App to new friends? What is its vision and mission?

歡迎 YIELD App 來到 Grenade AMA,能不能請你們先為新朋友們簡單介紹下 YIELD App?它的願景和使命是什麼?

Tim:

YIELD App is a licensed and regulated FinTech company that enables anyone to invest in decentralized finance with the touch of a button! Offering an intuitive app and web platform, users around the world can start earning up to 20% APY through our DeFi strategies on the backend, earning returns from DeFi products without having to go through a lengthy, complex, and often costly learning process.

We offer transparent governance through our YLD token. Our goal is to go beyond DeFi and provide a more rewarding digital banking experience, where people can easily earn interest on any currency and spend their earnings using our physical debit card, without ever having to think about crypto.

YIELD 應用程式是一家擁有許可,受監管的金融科技公司,任何人只需簡單幾步操作,就可以開始投資 DeFi(去中心化金融)!簡而言之,透過直觀的網頁介面和即將發布的應用程式,YIELD App 讓任何人都可以經由我們後端的 DeFi 策略獲得高達 20% 的 APY(年收益率),無需經歷冗長、複雜、成本高昂的學習過程。

另外,我們藉由平台代幣 YLD 達到透明化的治理。我們的目標是超越 DeFi,提供更有益的數位銀行體驗,使人人都可以輕鬆地賺取任何貨幣收益,並(在未來)使用我們的實體金融卡消費,不用多經過一層加密貨幣的考量。

Justin:

Instead of you doing all of the 13 steps, on average, to start earning on DeFi, YIELD App does it for you. It means that people can micro invest in DeFi without having to spend lots of crypto in gas fees or do all the heavy work of auditing the smart contracts.

We are making an app, which is a platform for users to deposit funds and start making yields. We are also integrating a fiat gateway for easy cash in and cash out. On the back-end, we’re working with a variety of different DeFi protocols to produce the yield that is delivered to our users. This way you guys don’t need to do all the heavy lifting and risk management.

從下圖可見,一般而言 DeFi 投資需要十幾步,而 YIELD App 不需要您親自完成以下步驟,幫您打理好了一切。這意味著,人們可以在 DeFi 上進行小額投資,不必再花費數許多的 gas 費用,也不必自己承擔審核智能合約的繁重工作。

我們正在開發的這款應用程序,是一個供用戶存入資金後就可以開始產生收益的平台。我們還正在整合一個法令許可途徑,之後可輕鬆實現法幣入金和兌現。在後端,我們透過各種不同的 DeFi 協議以產生收益交付給用戶。綜合以上,用戶將不必自己去完成 DeFi 投資的繁重工作和風險管理。

Q2.Considering the severe turbulence of cryptocurrency, how does YIELD App protect users’ income during bull and bear markets?

在加密貨幣劇烈動盪的情形下,請問 YIELD App 是如何在牛市和熊市中保障用戶們的收益?

Jan:

As the operators of a commercial enterprise, we aim to and consistently outperform the headline product rates that we set on our platform. The “balance” is the aggregation of capital and core competencies of our team against what could be considered vanilla risk in the diverse range of DeFi trading protocols and strategies that are available.

Our intent is to mitigate risk, particularly through diversification and to reinvest our earnings and success back into the overall longer term development of this nascent asset class.

As with all markets and sectors, Crypto, DeFi, equities and bonds will have peaks and troughs, another objective that we have had in place since the start is sustainability and laying the foundations to achieve this is something we have achieved so far and will continue to do so.

運營一家加密投資的資管公司,我們的目標始終如一,即超越我們在平台上設定的主要產品的利率。相對於各種現行的 DeFi 交易協議和策略中被認為常見的風險,「平衡」是我們團隊集成資本與關鍵能力。

我們的目的是降低風險,特別是通過多元化發展,並將收益和成就再投資到這一新興資產類別的整體長期發展中。

與所有市場和部門一樣,加密貨幣、DeFi、股票和債券將達到高峰和低谷,自開始以來我們的另一個目標是可持續性,並為實現這一目標奠定基礎,這是我們迄今為止已經實現並將繼續執行的目標。

Tim:

We have built and are continuing to develop a proprietary Portfolio Management System (PMS) that allows our team of portfolio managers, devs and quants to analyse and access a range of high-level investment strategies in real time with programmatic deployments and risk mitigation through triggered alerts at a mempool level. This allows us to move faster than our competitors and other individual traders and means we can undertake proactive risk management. We are continually adding layers of sophistication to the PMS as we add new partnerships, cross chain opportunities and execution management tools to remain at the edge of protocol development.

Since our launch, we have aimed to and have succeeded in providing high yielding, trading backed product offerings to users while minimising risk through a combination of diversification and selecting what could be considered vanilla opportunities across the DeFi universe. We utilise known protocols including Curve, 1Inch, Uniswap, Sushi, Balancer, and a number of other DEX’s either through direct partnerships or through our expert understanding of the nuances and risks pertaining to each. We are continuing to expand on the PomS development as we move into the launch of V2.

Our interests are aligned with our users through the reinvestment of surplus income achieved over and above the minimum product payout rates to ensure that we continue to grow. This might be through treasury rebalancing to manage the in-application swap function, investing in new people and technology and expanding our regulatory licensing reach globally.

我們已經建立一套專有的投資組合管理系統(PMS),並且還在不斷開發中。作為主動風險管理的一個例子,這套系統使我們的投資組合經理、開發人員和量化人員團隊能夠透過程序部署和觸發警報來實時分析和採用一系列高級策略降低風險,比我們的競爭對手和其他獨立的交易者動作更快。我們將不斷拓展和豐富自己 PMS 的層次,例如增加新的合作夥伴關係,跨鏈合作機會,以及運營管理工具以保持協議的發展。

自發布以來,我們一直致力向用戶提供高收益的後端流動性挖礦產品,同時透過多元化的投資,以及瞄準 DeFi 領域中最佳投資機會的方式最大程度地降低風險。其中利用了已有的協議,包括 Curve、1Inch、Uniswap、Sushi、Balancer 以及其他 DEX 等,與他們達成合作夥伴關係,或者透過團隊對以上協議細微差別和風險級別的專業理解進行投資。隨著產品進入 V2 發布的階段,我們將繼續擴展 PomS 的開發。

我們的利益與用戶保持一致,透過超出最低產品支付率的盈餘收入再進行投資,確保我們可以不斷增長,其中包括利用 「資金再平衡」 策略管理應用程序內的 swap 功能,招募優秀人才,投資新技術,並擴大全球範圍內的監管許可等。

Q3.DeFi market has already reached a billion-dollar milestone, security is one of the biggest concerns of investors. How does YIELD App protect the users’ assets?

在 DeFi 千億市場中,安全問題是大家最注重的一環,YIEDL App 會如何保障用戶資產安全?

Justin:

We have a large team of cybersecurity professionals and developers that work alongside our portfolio managers. To that end, we take security very seriously. All protocols and third parties that we interact with are thoroughly vetted, with the help of our auditors and partners such as Zokyo, we ensure that the rigorous processes we have set are followed from inception to sandbox and eventually into our proprietary portfolio management strategy deployment.

We have identified critical systems and will continue to stress-test these alongside market-related technology security scenarios to mitigate and remove points of failure across our operating environment, including DeFi instruments held in our portfolios.

We are building in-house technology solutions and employing industry-leading experts in their fields. This includes data security consultants overseen by us, enterprise and risk management committees and frameworks adopted from traditional funds and best practices in capital markets.

YIELD App also has a core team of experts developing proprietary automated portfolio allocation and portfolio management tools for safely accessing the fast-expanding DeFi ecosystem.

我們擁有一支完善的網路安全專業人員和開發人員團隊,與我們的投資組合經理一起配合。團隊非常重視安全性,所有協議和第三方都在我們的審計師和合作夥伴(例如 Zokyo)的支援下進行了徹底的審查。我們確保從開始到沙盒,再到我們專有的資產組合管理策略部署,都遵循我們設定的嚴格流程。

另外,我們已經確定了關鍵系統,並將繼續對這些系統以及與市場相關的技術安全方案進行壓力測試,以減輕和消除整個運營環境中的痛點,包括我們產品組合中的 DeFi 工具。

我們正在構建內部技術解決方案,並在各自領域聘請行業領先的專家。其中包括由我們監督的數據安全顧問,企業和風險管理委員會,採用傳統基金的框架機制,以及資本市場的最佳實踐。

如上一題所介紹,YIELD 還擁有一支由專家組成的核心團隊,他們正在開發專有的自動投資組合分配和投資組合管理工具,以安全地訪問快速擴展的 DeFi 生態系統。

Q4.Compared with other one-stop DeFi investment platforms, what are the spotlights and strengths of YIELD App? What are the incentives of your utility token

YLD?對比其他一站式 DeFi 投資平台,YIELD App 有什麼特點和優勢嗎?YLD 作為平台功能型代幣有哪些投資誘因呢?

Tim:

The YIELD App platform is a simple and easy-to-use application, much like normal online banking with all the heavy-lifting performed by our portfolio team at the backend.

Our goal is to make DeFi accessible to anyone through our intuitive app and web platform. The idea is that users simply deposit crypto or traditional currencies and select the investment plan that suits them best.

We operate under a crypto license and are developing innovative insurance solutions to compliment our product strengths. As one of the key foundations of the platform, the native YLD token allows for transparent governance, rewards loyal community members, and supports social impact initiatives.

YIELD 是一個簡單易用的應用程式,就像普通的銀行一樣,我們的投資組合團隊在後端承擔了所有繁重的工作。

我們的目標是通過這個直觀的應用程式和 Web 平台讓任何人都可以輕鬆進入 DeFi 的世界:用戶只需存入加密貨幣或傳統貨幣,然後選擇最適合他們的投資計劃即可。

公司根據加密貨幣許可證運營,並且正在開發創新的保險解決方案以補充我們的產品優勢。作為平台的關鍵基礎之一,代幣 YLD 允許透明的治理,獎勵忠實的社區成員並支持社會影響計劃。

Jan:

YIELD App has its own utility token named YLD. By holding YLD in their YIELD App wallets, users can boost their APY on their USDT, USDC and ETH  and earn further rewards in YLD.

To give a clearer picture, YIELD App users receive interest in three ways:

1.) All stablecoins and ETH earn 10% APY, paid in that currency

2.) Users receive up to a 10% APY boost on their investment by holding YLD tokens in their wallets on the app, earned in YLD.

3.) YLD tokens also generate up to a 10% annualized holding reward, paid daily in YLD.

Please note that total APY will depend on the level of your investment, the token price of YLD and the amount of YLD you hold. You can calculate your estimated APY on our website, here:https://www.yield.app/yld 

You can also read our tokenomics here: https://www.yield.app/post/yield-launching-native-yld-token

You can purchase YLD directly from our platform by swapping your stablecoins or ETH for YLD. We are also listed on 

Bithumb Global

AscendEX (BitMax)

Uniswap

SushiSwap

QuickSwap  (Instructions)

YIELD App 有自己的功能型代幣 YLD。透過 YLD,用戶可以提高其USDT/USDC/ETH投資的 APY,同時以YLD每天賺取代幣利息。

解釋地更清楚一些,用戶可以透過三種方式獲得利息:

1.)所有穩定幣及以太坊的年收益為 10%,以投資的本幣支付。

2.)通過在YIELD App錢包中持有 YLD 代幣,用戶可獲得高達 10%(2%~10%)的 APY 投資增長(以YLD支付)。

3.)YLD 代幣還可以產生高達 10% 的持有獎勵,每日以 YLD 支付。

請注意,總收益取決於您的投資額度、YLD 的代幣價格以及您持有的 YLD 的金額。

您也可以在這裡閱讀代幣詳情:https://www.yield.app/post/yield-launching-native-yld-token-cn

您可以直接從我們的平台內購得 YLD——即在 YIELD App 中將您的穩定幣或以太幣換成我們的代幣。

我們亦在以下交易所上線:

Q5.As 2021 is approaching the middle of the year, can you tell us about the achievements and plans of your project? Also, do you have an estimated time of the mobile app going live which has been waiting for?

隨著 2021 即將來到年中,是否能跟我們說下目前 YIELD App 的開發進度及未來的計畫呢?大家都很期待的手機版 App 預計何時上線呢?

Justin:

We are planning to add more currencies in the coming months. We will continue to add portfolio opportunities as we grow with a variety of characteristics based on feedback from our communities and user demand. We will also have card integrations later this year and also fiat on and off ramps.

After gaining an incredible 35,000 users and $100 million AUM in our first few months, YIELD App is entering an exciting phase of development.

我們計劃在未來幾個月內增加更多幣種。基於社區和用戶需求的反饋,我們將隨著增長的變化不斷豐富投資組合。我們還計劃在今年晚些時候推出簽帳金融卡,並開設法幣出入金通道。

在前幾個月中,除了用戶數達到 35,000 人,AUM(資管規模)達到 1 億美元的之外,YIELD App 還進入了令人興奮的產品升級階段。

Jan:

We are looking forward to releasing our new and improved platform! Over the next quarter we will be rolling out an even bigger, better and bolder version of our platform that is going to deliver a market-leading service and experience for our users.  Key features of YIELD App 2.0 and our plans for afterwards include:

  • All new UX: A slicker, cleaner and smoother interface with more information provided in-app
  • Native wallets: The end of third party wallets with a new, all-YIELD App wallet
  • Auto compound: Interest will be fully reinvested automatically 
  • Full cycle swaps: Users will be able to swap freely between all assets on the YIELD App platform 
  • The Bitcoin Fund: The hotly anticipated YIELD App Bitcoin Fund
  • Mobile app – a key feature for our users whose design will fully benefit from the enhanced functionality that 2.0 will bring
  • Listing on major Exchanges and more partnerships with big names in the crypto industry.

You can read more about it here: 

我們期待發布改進的平台!在下個季度,我們將推出更大,更好和更大膽的平台版本,為用戶提供市場領先的服務和體驗。 YIELD App 2.0 的主要功能和後續計劃將包括:

  • 全新的用戶體驗:更流暢、更乾淨、更流暢的介面,並在應用內提供了更多資訊
  • 本機錢包:第三方錢包的末尾有一個全新的 YIELD App 錢包
  • 自動複利:利息將自動全額重新投資
  • 全週期 swap:用戶將能夠在 YIELD App 平台上將所有資產進行自由兌換
  • 比特幣基金:備受期待的 YIELD App 比特幣基金
  • 手機 APP:這也是備受期待的更新,手機 APP 的設計將覆蓋 2.0 的各項增強功能
  • 在主要交易所上市,與加密行業的知名人士建立更多合作夥伴關係

您可以透過以下連接了解更多資訊:


第二階段:提問

Q1. Should we worry about the risk? For example, when using some other defi platforms , we have to worry about impermanent loss. What should we notice when using YIELD?

想請問需要擔心風險嗎? 像是一般我們在defi平台使用時會需要注意無常損失的風險,使用YIELD 需要注意什麼?

We are managing investments on behalf of our users. Being $ neutral and stable coin backed. We are coding dynamic hedging tools in our proprietary Portfolio Management system to introduce dynamic hedging against impermanent loss for future product capabilities alongside funding rate arbitrage amongst other automated approaches to the rapidly evolving opportunities growing in the DeFi ecosystem. The first product is a low-risk minimum APY guaranteed.

我們始終站在用戶的立場管理投資。保持美元並以穩定幣作為支持。同時,我們還在優化自己專有的一套PMS(投資組合管理系統)中的動態對衝工具,引入動態對衝以避免無常損失,同時透過資金利率套利以及其他自動化方法抓住 DeFi 生態系統中迅速發展的機遇。因此 YIELD App 的第一個產品是將風險降到最低,同時保障 APY(年化收益)的!

Q2.Hi Tim and team, what do you think yield.app would become in the next 5 years. Any particular functions you would say are a must have?

你好,我想知道你對 yield.app 五年後的期望會是怎樣?比如說有什麼是必會有的新增功能?

Tim:

We are targeting a global audience. Already working with and continuing to build out alliances with other professional actors in the DeFi space. Some of these are technology-led, all of them are knowledge-driven with the aim of constant improvement and to pass the benefits back to our customers, we will be adding different functionalities as the project evolves, alongside with additional products within the platform.

As of this time, we want to focus on European countries, Canada, India, China and other Asian markets. We plan to continue these strong partnerships with different KOLs, influencers and communities to share YIELD to the world ?

DeFi is the crypto equivalent of the toothpaste being out of the tube, we are seeing multiple new iterations of traditional financial products being replicated in space, and we believe we are only at the start of a multi-year journey. I have traded through and experienced multiple bull and bear markets across many different asset classes, and each time they fade, they come back stronger, safer, and more sophisticated. YIELD app will be at the forefront of these changes and trends with our customers’ interest in front and center.

我們的目標受眾一定是在全球。目前 YIELD App 已與不少 DeFi 領域內的專業團隊達成合作,後續還將拓展更多合作夥伴關係。其中幾乎所有項目都是知識驅動的,還有部分是技術主導的,合作的目的在於不斷改進產品並將收益回饋給我們的客戶;隨著項目的發展,我們將增加更多不同的功能,豐富平台內的產品。

未來我們將著重發展歐洲、加拿大、印度、中國和其他亞洲市場,並計劃繼續與不同的 KOL,意見領袖和各地社區建立牢固的伙伴關係,以將 YIELD 分享給全世界。

DeFi 是加密貨幣自然而然的產物,這個生態裡有各種各樣復制傳統金融的產品,也在不斷更新迭代,我們相信,YIELD App 的旅程才剛剛開始。我曾經歷不同資產類別的多個牛市和熊市,並在其中進行交易,每次它們逐漸消聲匿跡之後,都會以更強大、更安全、更複雜的姿態回來。 YIELD App 就在這些變化和趨勢的前沿,我們客戶的興趣更多集中在中端和前端。

Q3. Security is always the top task of projects. But lately, a lot of cryptocurrencies and blockchain have been appropriated by hackers. What security measures does your project have in place to avoid the possibility of being appropriated by hackers?

安全始終是項目的首要任務。但最近,很多加密貨幣和區塊鏈都被駭客侵占了。你的項目有什麼安全措施來避免被駭客侵占的可能性?

Tim:

All protocols that YIELD App interacts with are subjected to rigorous audits using smart contracts, and our infrastructure uses the best-in-class solutions designed by cybersecurity specialists and DeFi experts. 

We also partnered with BitGo, the industry’s leading digital asset custodian, to ensure the highest level of security for our multi-signature wallets and vaults.

Security is one of the top things that matter for us, and we do everything to ensure that our client’s funds are safe.

you can also check this FAQ article

https://support.yield.app/hc/en-us/articles/360015316717-What-about-fraud-or-hacking-I-ve-read-about-other-exchanges-losing-user-funds-

YIELD App 涉及的所有協議均使用智能合約進行嚴格的審核,並且我們的基礎架構採用由網路安全專家和 DeFi 專家設計的行業內最佳解決方案。

我們還與業界領先的數位資產託管公司 BitGo 合作,以確保我們的多重簽名錢包和保險庫達到最高安全級別。

安全對我們來說是最重要的事情之一,我們會盡一切努力確保客戶的資金安全。
您還可以查看查看 FAQ 文章常見問題文章

What about fraud or hacking, I’ve read about other exchanges losing user funds?

Q4. Should we worry about the risk? For example, when using some other defi platforms , we have to worry about impermanent loss. What should we notice when using YIELD?

想請問需要擔心風險嗎? 像是一般我們在 defi 平台使用時會需要注意無常損失的風險,使用 YIELD 需要注意什麼?

Tim:

We are building our CeFi for DeFi company to offer people more security. We have 24/7 monitoring of DeFi protocols and we handle all the risks. We make it easy for our users. Put money on yield.app and we handle all the complications. You can sleep well knowing your money is safe.

我們正在建立一家 DeFi 中的 CeFi 公司以提高安全性。團隊會對 DeFi 協議進行 24/7 全天候的監控,在後端處理所有風險。我們的初衷就是為用戶提供便利。把錢存入 YIELD App 上,將把 DeFi 中的複雜問題都交給我們,讓您可以安全安心獲得“睡後收入”。

Q5. What do you think is the biggest advantage of YIELD App?

你們認為 YIELD App 最大的優勢是什麼?

Justin:

YIELD App solves the gas problem for small-time farmers who want to take advantage of yield farming. We do this by accounting for everything on our own secure database, and we pass the savings along to you. We guarantee 12%. YIELD App makes it so that nobody needs to learn how to trade in order to take advantage of trading fees from decentralized exchanges. We also avoid those projects with insanely high APR that we don’t believe are safe to put our customer’s money into. We spend a lot of time self-auditing protocols and making sure that we’re only investing in high-class, high-value projects.


YIELD App 想要為資金量較小的投資者解決流動性挖礦中高 gas 費的問題。我們在自己的安全數據庫中完成投資操作,然後將收益給到您的手中,保障最低 12% 的 APY。YIELD App 降低了 DeFi 門檻,使普羅大眾無需深入研究如何交易才能降低去中心化交易所的交易費用。除此之外,我們還避免投資那些 APR(實際年利率)異常高的項目,我們認為將用戶的資金投入該類項目並不安全。團隊運用大量的時間進行審核各類協議,並確保僅投資高質量、高價值的項目。

Jan:

Easy to use platform, the people behind it and the community + the PERKS that TIER 5 people will have. We are building more and more functionalities and I think after the end of Q2 and the beginning of Q3 we will have very powerful infrastructure already in place which means we can compete with the bigger guys. Also if you compare the mcap to some of our competitors you can see how early we are.

一個輕鬆易上手的平台,背後經驗豐富的團隊,遍布全球的社區以及 TIER 5 用戶將擁有的種種福利。我們正在開發更多的功能,我認為在第二季度末到第三季度初,平台將擁有非常強大的基礎架構,可以與更大的公司競爭。另外,如果您將我們的 market cap(市值)與一些競品進行比較,您會發現我們的項目還處於非常早期的階段。


第三階段:搶答

(1)下列哪個是 YIELD App 所發行的功能型代幣?

A. YID ;B. YES;C. YLD;D. YPP

(2)下列何者不是今日的嘉賓?

A. Tim;B. Justin;C. Jan;D. Grenade

(3)在下列哪個平台上可以購買 YLD 代幣?

A. AscendEX;B. SushiSwap;C. Uniswap;D. 以上皆是

(4)下列哪項為 YIELD App 下個季度的發展計畫? 

A. 錢包;B. 手機 App;C. 進軍 NFT D. A.B 皆是

(5)透過 YLD 用戶可以提高其穩定幣投資的 APY,同時每天賺取什麼代幣的利息?A. DOGE;B. ETH;C. YLD ;D. BTC


社群宣傳

再次感謝我們今天的嘉賓,想進一步了解 YIELD App 最新進展或動態的社群朋友們,可以通過以下方式關注他們的最新進展:

YIELD App 官網:https://www.yield.app/zh-cn

YIELD App TG 繁體中文群:https://lihi1.com/aw1d5

YIELD App Twiiter:https://twitter.com/yieldapp

今天的 AMA 就到這結束,謝謝大家!

本文不構成投資建議,虛擬貨幣波動大請謹慎小心

掌握虛擬貨幣、區塊鏈大小事

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