DeFi全棧保險?看看UNION如何填平DeFi與CeFi的鴻溝| Cointelegraph中文



1月12日晚8點,UNION主創團隊項目負責人Michael Beck與首席產品官John Liu做客深鏈財經線上沙龍,圍繞“DeFi全棧保險?看看UNION如何填平DeFi與CeFi的鴻溝”主題進行分享。以下為分享實錄,深鏈財經整理。

嘉賓介紹

Michael Beck, UNION主創團隊項目負責人,在醫療保健和金融方面有超過25年以上的經驗。

John Liu, UNION首席產品官,在華爾街從事金融替代品與衍生品的交易已有9年,而在跨行業的運營和交易的產品創新則有11年之久。

問答環節

深鏈財經:請和我們簡單的介紹一下UNION是一個什麼樣的DeFi保險項目呢?

Could you please tell us briefly what kind of DeFi insurance project UNION is?

John:簡單來說,UNION是DeFi樂高堆棧中的保護構建模塊。我們的去中心化技術平台結合了捆綁式或“全堆棧”式保護、流動性二級保護市場和多代幣模型,以降低DeFi參與者的風險,而不需要會員或KYC。新的DeFi需要新的保護方式,這就是UNION。

To put simply, UNION is the DeFi protection building block in the DeFi Lego stack.

Our decentralized technology platform combines bundled or “full stack” protection, a liquid secondary protection market, and a multi-token model to lower the risk of DeFi participants, without needing membership or KYC.

New DeFi needs new ways of protection. That is UNION.

Michael:UNION是一個旨在降低DeFi門檻、降低風險和降低成本的項目。我們通過提供工具和API來讓用戶優化抵押品策略、Gas費波動和智能合約風險等問題。 UNION的保險也可以解決DeFi的多種風險而帶來的對靈活性需求。

UNION is a project focused at making defi easier, less risky, and cheaper. We do this by offering tools and apis that enable users to address collat​​eral optimization, gas volatility, and smart contract risk concerns.Our insurance is composable to address the need for flexibility over defi’s many risks and challenges.

深鏈財經:隨著DeFi的不斷發展,像借貸、保險以及各類衍生品的的應用已越來越多也越來越複雜,黑客事件也時有發生。那麼能否給大家簡單介紹下UNION是怎樣為DeFi創造出更安全的生態環境呢?

With the rapid development of DeFi, money lego like lending, insurance have become more and more flexible, and hacker exploit incidents have also occurred from time to time. So can you give you a brief introduction to how UNION creates a safer ecological environment for DeFi ?

Michael:這裡的關鍵點在於,我們將治理與流動性分離,治理政策與收益分離。 UNION使用三幣系統將治理與流動性分離、政策與收益分離。其中UNN是嚴格意義上的治理代幣,uUNN是策略代幣,而pUNN則代表為購買保險的用戶提供的流動性證明憑證。

The key here is our separation of governance from liquidity and policy from benefits.This is done using a 3 token system, where we have a UNN token, a uUNN token, and a pUNN token.The UNN token is strictly governance.The uUNN token is the policy token.The pUNN token represents the liquidity participation of parties who fund benefits for parties who purchase insurance coverage.

John:在TradFI或CeFi中,用戶可以為持有其資產的中心化機構投保。在DeFi中則沒有中心化機構。那麼人們該如何保護自己呢? 更不用說,對於大多數公司來說,加密貨幣仍然是一個非常新的概念。因此,傳統保險無法衡量風險。 UNION構建了一個框架,讓DeFi風險承擔者可以獲得收益,並為風險提供保護,比如黑客攻擊等。 UNION也將其保護延伸到其他領域,例如,借貸協議中極高的資本成本、極高的交易成本以及無償損失。 UNION幫助DeFi用戶保護自己的利益:利益相關者都有機會獲得收益,而不是單一的個體。

In TradFI or CeFi, a person can take out insurance on the centralized organization holding their assets.In DeFi, there is no central organization.So how does one protect themselves? Not to mention, cryptos is still a very new concept to majority of retail , so traditional insurance can’t measure the risk.Union creates a framework where DeFi risk takers can earn yield and offer protection against DeFi risks, like smart contract hacks.UNION extends the protection into other areas too.These include, for example, the high cost of capital in lending protocols, the high cost of transactions, and impermanent loss.UNION helps DeFi users protect themselves and, true to blockchain, distributes earning opportunities to everyone instead of single organization.

Michael:我們將個體風險分離,結合uUNN代幣的收益來決定為其提供資金的多少。

We fund individual risks separately, and combine benefits and determination of adjudication in the uUNN token.

深鏈財經:可以簡單向我們介紹下UNION是怎樣支持跨DeFi協議的呢?

Could you please tell us how UNION supports cross-DeFi protocols?

John:

跨鏈對我來說非常重要,因為我有在Fusion工作的背景。值得慶幸的是,在跨鏈這方面已有各種各樣的協議了,其中最著名的就是波卡Polkadot。 UNION打算利用這些協議提供的途徑來解決跨鏈問題。比如與我們合作的Waves,他們其中有一個跨鏈協議叫Gravity。從數學上講,協議的跨鏈技術是安全的,不會受到黑客攻擊(例如,通過MPC的多方計算),他們仍然希望以保險的形式為用戶提供額外的完全性。談判仍處於早期階段,但我們在這個領域看到了很多機會。

Cross-chain is very dear to me, given my background with Fusion.Thankfully, there are various protocols working on cross-chain, and the well-known ones are Dot, Polkadot.We intend to utilize the excellent avenues provided by these protocols to bridge the cross-chain issue. Our recent partnership with Waves, who have a cross-chain protocol Gravity, is an example of our approach. We’ve been in talk with some cross-chain protocols where, even though mathematically, their cross- chain technology is secure against hacks (for example, through MPC –multi party computation) , they still want to offer users and additional layer of comfort in the form of insurance.Talks are still early, but we see much opportunity in this space.

深鏈財經:目前市面上已經有一些成熟的DeFi保險項目,相比其他項目來說UNION的特別之處在哪裡,有哪些創新?

There have existed some popular DeFi insurance projects on the market. What is special about UNION compared to other projects, and why UNION can outperform?

Michael:UNION之所以不同,是因為我們對待治理和流動性的方式不同。我們一直在討論把他們分開的必要性。同樣,我們也不要求KYC來參與UNN代幣的交易和產品的使用:我們並不是那種中心化的組織。最後,我們也允許用戶通過治理代幣獲得可組合收益。

Union is different because of our treatment of governance and support liquidity.We have been talking about the need to separate these things for a while, and it seems like other projects are just beginning to listen.We similarly don’t require kyc for participation in the trade and use of the token—we arent a mutual or other ownership organization where only the members can participate.Finally, we allow for composable benefits within our policy tokens.

深鏈財經:在您看來,目前DeFi保險領域的痛點在哪裡,未來會怎樣發展?

From your perspective, what are the pain points in the DeFi insurance market? and how will it develop in future?

Michael:DeFi將繼續創新,但我認為黑客攻擊和DeFi協議間組合的複雜程度將繼續增加採用的風險和費用。因此我認為像UNION這樣能夠控制費用和風險的保險產品將會越來越重要。

Defi will continue to innovate, but I think risks from hacks and unintended consequences of composibile defi contracts will continue to add risk and expense to adoption.For this reason, I think protection products like ours, which help to control expense and risk, will be more and more important.

John:目前的DeFi的痛點有:1. 新的向量攻擊:在快速發展的環境中,技術是很高超的黑客們追逐著高額的回報。 2. 以太坊即使採用了二層網絡解決方案,使用DeFi的Gas費成本仍將是一個問題。好消息是,就像去年解決了DeFi“可用性”問題一樣,我們已經準備好迎接挑戰,來解決這些問題。

We are seeing the pain points now in DeFi. 1) New vectors of attack as sophisticated hackers go after large pools of money in a rapidly evolving landscape. 2) The cost of DeFi–ETH gas will continue to be an issue, even with layer 2 solutions kicking in. The good news is, much like how the industry has addresesed “usability” in DeFi in 2020, we know the industry, and UNION, is up to the challenge to solve these issues.

深鏈財經:我們知道UNION已經在BitMax上線了,那麼目前UNION的項目進展如何?未來的計劃是怎樣的?

We all know UNION has been launched on BitMax, so how does the project progress now? and what are the future plans?

Michael:我們非常關注代幣的流動性和項目進展。目前我們仍然在構建UNION的核心框架,並進行大量的測試。我們更善於面對挑戰,這使我們一直在反複驗證我們的產品開髮質量,特別是當我們在這個領域看到許多的項目都失敗時。目前最優先的是啟動並提升我們的社區規模。

We are very focused on token liquidity and project progress—we are still building our core frameworks and are testing our work extensively, using approaches we’ve adopted through earlier challenges with the project.We are better for having challenges, which made us question core assumptions about our software development and quality assurance, especially when we see a number of project failures and issues in this space. Our project launch and improving the size of our community and username are the highest priority.

John:2020年,我們的重點是監管合規。不只是美國證交會(SEC)起訴Ripple一事,甚至在歐洲,我們都認為監管日益加強是必然的。我們相信,合規將是未來最重要的地方。目前我們正在馬不停蹄的構建產品,並在Medium上分享了的第一個關於抵押品優化產品的更新。該產品利用去中心化來減少借貸協議所需的抵押品數量。我非常期待,不僅因為我們正在建立的保護機制,還因為我們正在為DeFi建立兩個重要的基本要素:1. 去中心化的選擇;2. 衍生品的借貸協議。順便說一下我們與BitMax的合作,BitMax的用戶還可以為保護池提供流動性從而賺取更高的收益。未來還會有更多值得期待。

https://btmx.io/zh-cn/DeFi/investment-product

For 2020, we were focused heavily on regulatory compliance. Looking at the actions of not just SEC, for example, going against XRP but even in Europe, we see regulatory oversight increasing as a given. We believe regulatory compliance will be an important moat going forward.Now we are rapidly building out the product and shared yesterday an update in our medium channels insight into our first product on collat​​eral optimization. This product utilizes decentralized options to reduce the amount of collat​​eral needed to post for lending protocols. I’m very excited not just because we are building protection, but because we are building two important primitives for DeFi: 1) decentralized options and 2) a lending protocol that uses derivatives

On the topic of Bitmax by the way, we also have exciting collaborations where users of Bitmax will be offered a way to participate in providing liquidity for our protection pools and earning very nice yield. More to come in the future.

https://btmx.io/zh-cn/DeFi/investment-product


來源:深鏈財經

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