利用加密钱币作为抵押品应该被更巨大和有用的模子所代替，这些模子应该像传统银行业务一样，思量到借钱人的职位、资产和将来现金流。

The main roadblocks that Defi projects are facing now, from the top of my list:first of all - the lack of interoperability between the blockchains.

like, the speed of DeFi infrastructure develoment, networks effect, enabled through an increase in liquidity, also protocols reaching product-market fit, developers' tools, interoperability of blockchains and deeper application throughout the online ecosystem globally.

Uniswap-他们正在成立一家去中心化生意业务所，他们做得很好，是最好的DEX之一。他们以很是优秀的用户操纵而闻名，这在当前的DeFi规模中很是稀有。险些每小我私家都可以很是简朴的利用Uniswap。

ALLEN：DeFi promises high interest but at the same time it involves high risks as well, what’s your view on this?

所以对付那些懂技能的玩家来说，DeFi就有了很大的代价，因为他们可以把控风险，相识风险，他们获得的回报比传统金融要高许多。

but DeFi is taking these solutions a step further - it provides for easy and non-custodial deposits and loans, essentially, banking the unbanked.

To put you into the context, the Gold, as a commodity, alone is worth 3 trillion dollars.So, gold alone has 10 times higher market cap than all crypto created in the world by now.

We need to all the DeFi tools to work across all blockchains — public and private decentralized ledger ecosystems. Not how it is now — where Ethereum is taking 90% of all volumes.

你说的完全正确--本日许多Defi项目都是关于借贷的，这也是本日贸易银行为我们办理的问题之一。顺便说一下，这就是这些银行赚了数十亿美元的方法。是DeFi将这个办理方案又向前推进了一步--它提供了简朴的、非托管的存款和贷款，本质上是将没有银行的人酿成了银行。

ALEX Egorov:I know it for a fact, because I worked in traditional banking and finance for more than 15 years.Maybe not everybody remembers, but Satoshi Nakamoto invented Bitcoin to solve the digital payments problem using the peer-to-peer networks,This innovation spurred the growth of very successful projects, which started to eliminate middlemen, reduce the counterparty risk and create infrastructure for decentralized finances.

ALLEN：Thanks Alex to introduce ZILD.I want to ask a question temporarily，As we know ZILD launched in Hoo exchange at 15:00.So far, the price increase has maintained at $26 and the buying has been strong.First of all, I would like to express my congratulations.

所以DeFi本日给那些技能好手带来了时机，因为他们可以判定出一个协议的技能是否比另一个协议好，一个项目标智能合约是否构建得很奇怪，可能一个项目看起来像一个骗局。

可是，时机首先在于办理中心化生意业务所问题,众所周知，由于生意业务敌手的风险，当今险些所有的金融生意业务都需要通过会合的托管处事提供并举办。

第二大问题是差异司法统领区的法令制度的兼容性。法令制度是在现实世界中开展业务的基本布局，它描写并确定人与公司之间的干系。并且我们需要与法令体系成立接洽，这将界说此刻现实世界中区块链、加密资产和金融生意业务之间的干系。

Z - Zild代币是项目标主要代币。它们用于挖矿收益--通过提供活动资金或借钱得到嘉奖。

So I am also very excited that I can meet defi in this era and look forward to the development of defi.

我说第三大问题的是代码安详。因为在一些协议里的钱越多，越容易受到进攻，出错的价钱也越高。Defi是一个很是容易犯法的规模，这对成长来说是相当大的障碍。

Alex，您认为DeFi项目今朝需要办理哪些问题？

B·Talk专访

另外，令牌的架构很是出格：生态系统中有3种主要令牌：X，Y和Z令牌。

我们已经接头了DeFi办理重要的现实糊口效率问题，打破性的技能和经济部分会吸引特另外资金和资产。在某些时候，它们增长过快，造成效率低下，这让一些投资者损失了他们的钱。这种环境产生在互联网、社交媒体、电信、加密钱币以及我们此刻利用的险些所有技能上。

别的，我想知道除了去中心化生意业务所Uniswap，，Hoo是第一其中心化生意业务所首发上线，你为什么选择Hoo？

DeFi technologies can eliminate inefficiencies in quite a few different finacial sectors, which we discussed today, and that what creates it's value.

高回报和低风险共存的时间并不会很长，因为它顿时就会被市场参加者均衡或套利掉.但只有一种环境——假如低风险对付大数玩家来说是显而易见的。

所以，我们正在成立协议是一种提供无抵押贷款，没有中心化的权利，没有歧视，活着界任那里所，我们站在 "代码即法令 "的原则上。正如我们在团队内部所说：ZILD为Z代缔造收益！简而言之-这就是ZILD。

ALLEN：ok，Thanks Alex， I also believe,the last question,Alex，Do you think DeFi is a Zero-sum Game? Do you think DeFi would boost the crypto industry?

DeFi理睬高利钱，但同时也涉及到高风险，对此你有什么观点？

Alex请首先给各人简朴先容一下Zild。

Z - Zild tokens are the major project’s tokens. They are used for Yield farming — getting rewards for the provision of liquidity or borrowings.

We have talked about the efficiency of DeFi for solving important real-life problems, and the breakthrough technologies and sectors of economy attract extra funds and assets, by promising to produce a lot of value. At some point these technologies grow too fast and create inefficiencies, which get some investors to lose their money.that happened in the past with internet, social media, telecom, cryptocurrencies and pretty much every technology that we are using now.

DeFi技能可以消除相当多差异金融规模的低效率，这也是我们本日接头的，和它的代价地址。

感谢Alex先容ZILD。我想姑且问一个问题，我们知道ZILD是在15:00在HOO生意业务所上线的。到今朝为止，价值涨幅维持在26元，买盘强劲，我在此暗示祝贺。

They would be even more valuable if they could figure out how to produce synthetics from the fiat in a much easier way, than it is now, and how to attract into the Defi universe the people who don’t know anything about cryptocurrency, which is the other 95% of the market.

Then there’s Y tokens — they are a kind of a bond or a promissory note - used for the record of transactions and they get burned after the transaction closes.

ALLEN：Alex, Could you pls introduce Zild to all of us first?

So we are building the protocol for the provision of uncollateralized loans, with no central authority, globally - from anywheere in the world, with no discrimination!as we are saying inside our team: ZILD creates Yield for the generation Z!So in a nutshell - that's what ZILD is.

但根基上Defi我们只是委曲做到了外貌，每一个为去中心化的钱币金融建树基本设施的人，都在建树一个越发高效、平等、幸福的将来。

And finally there’s X tokens — it’s the reputation token. Inside the Defi ecosystem, you want to build your reputation, because it will allow you to borrow at a more favorable rate, reduce the collateral and get more rewards in Z-tokens.

But basically, in building DeFi ecosystem, we are barely scratching the surface and everyone who is building the infrastructure for the decentralized money and finance are building a more efficient, equal and sucessful future.

假如涉及巨大系统，我不相信零和博弈,DeFi不是，金融和经济系统也不是。

ALLEN：Alex, as you are at the forefront of the DeFi field, in your opinion, What problems DeFi projects need to solve currently?

我想是这样的，对付DeFi来说，我相信它只是处于起步阶段，还需要很长的时间来成长，但我相信DeFi在将来会变得越发高效和便捷。所以我也很欢快，能在这个时代碰见defi，等候defi的成长。

我们有着配合的代价观，并认为他们长短常棒的全球相助同伴，众所周知，HOO一直提供优质的处事，而且正在开拓很是优秀的产物。另外，在莫斯科的区块链社区一直在存眷着虎符，并认为他们生意业务所的项目都是很有代价的.

Let me tell about Compound.It's one of my favourites! Compound provides for the decentralized deposits and loans.These two operations are a essence of the commercial banking.So that's why they are so successful - they are solving the problem that very many people have.

我知道这是事实，因为我在传统银行和金融业事情了15年以上，也许不是每小我私家都记得，但中本聪发现了比特币操作点对点网络去办理数字付出问题。这项创新促进了很是乐成的行业的增长，这些项目开始消除中间机构，低落了生意业务敌手的风险，并成立了分手化财政的基本架构。

I also want to point out, please don't forget that cryptocurrencies market cap today is only 300 billion.

让我来答复，因为我在银行的风险委员会事情了好久。风险/收益是投资决定的基本常识。假如风险很低，为什么会有高收益呢？

ALLEN：Welcome to the eleventh interview of B·Talk "Through Change". The AMA of this series of events was initiated by Bzone. I am Allen ，co-founder of Bzone，also is the host of this AMA event,and I am very fortunate to have Alex as a guest today.

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