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Akropolis:非正式經濟的DeFi平台

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Akropolis是基於以太坊的協議,為非正規經濟提供金融服務。

橋樑 分散式金融(DeFi) platforms concentrate on a subset of yield farming or liquidity mining at the top of their menu.平台將重點放在菜單頂部的部分收益農業或流動性採礦上。 This aspect deals with mostly lending and borrowing services, leaving savings, which is also a crucial part of a decentralized financial ecosystem, unattended or not fully developed.這方面主要涉及貸款和借款服務,而儲蓄則是無人看管或未充分開發的分散式金融生態系統的重要組成部分。

Although projects have attempted to close this gap, Akropolis aims to do a better job.儘管項目試圖縮小這一差距,但Akropolis的目標是做得更好。 Generally, Akropolis flips conventional finance to introduce a fully DeFi-structured world.通常,Akropolis會顛覆傳統金融,以引入完全由DeFi構成的世界。

目錄

背景

Akropolis受到傳統金融系統的啟發,這些金融系統隨著時間的流逝不斷變化以實現其當前功能。 However, a key concept of these systems is to better the realization of peoples' financial needs.但是,這些系統的關鍵概念是更好地實現人們的財務需求。

Banks have remained at the center of these systems.銀行仍然是這些系統的中心。 Unfortunately, not everyone owns or has access to a bank account, especially those living in informal settings.不幸的是,並非每個人都擁有或有權使用銀行帳戶,特別是那些居住在非正式環境中的人。 In here, chamas or saving circles power informal financial firms.在這裡,混亂或儲蓄圈子為非正式金融公司提供動力。 With these platforms being centralized, users are still prone to losing their funds when these firms wind up inoperational, sometimes without notice.隨著這些平台的集中化,當這些公司無法運營時,有時甚至沒有通知,用戶仍然傾向於損失資金。

Akropolis通過提供具有與集中式非正式金融組織相同功能的分散平台來努力減輕這些風險。

什麼是阿克羅波利斯?

Akropolis是基於以太坊的協議,為非正規經濟提供金融服務。 It powers a bankless ecosystem where users can issue a credit, insure, or save without lying on a central authority such as a bank.它為無銀行生態系統提供了強大的動力,使用戶可以在不依賴諸如銀行之類的中央機構的情況下簽發信用,擔保或儲蓄。 Its users can be individuals, cooperatives, or community groups such as saving circles.它的用戶可以是個人,合作社或社區團體(例如儲蓄圈)。

對於那些對單產農業或流動性採礦感興趣的人,該平台已與領先的單產農業協議集成在一起,例如 複合, AAVE, 曲線嚮往。 Sparta允許獲取抵押不足的貸款,而Delphi則允許自動進行被動投資。

該平台由最終用戶,自治金融組織(AFO),資金提供者和網絡管理員組成。

終端用戶

End-users can save and receive rewards on their savings, as well as receive loans.最終用戶可以節省並獲得其積蓄的獎勵,以及獲得貸款。 Furthermore, gaining interest from their savings incentivizes them to deposit their money with AFOs.此外,從他們的儲蓄中獲得利息會激勵他們將資金存入AFO。

空軍部隊

Akropolis網絡還具有私有AFO,這些AFO在處理用戶儲蓄時會激活私有狀態。

資金提供者

Also called lenders, they give loans by evaluating the risk and profit margins among those that seek capital.他們也被稱為貸方,他們通過評估尋求資本的人的風險和利潤率來提供貸款。 The network connects lenders and AFOs efficiently in order to prevent and/or eradicate loan defaults.該網絡有效地連接了貸方和AFO,以防止和/或消除貸款違約。

網絡管理員

網絡管理員提供風險評估,並獲得存儲在增長基金中的系統本機令牌(稍後會詳細介紹)。

阿克羅波利斯如何運作

The protocol is structured in layers, with each of them handling a specific function.該協議是分層結構的,每個層都處理特定的功能。 Major layers include:主要層包括:

身份管理(IM)模塊

Akropolis IM模塊提供對用戶具有成員資格的所有AFO的單一條目訪問。 Think of Facebook;想想Facebook; only one account is required to access groups and pages.只需一個帳戶即可訪問組和頁面。 Here a Facebook account serves as a single entry point to groups and pages.在這裡,Facebook帳戶用作組和頁面的單個入口點。

IM模塊創建和保存的信息包括:

·網絡上的AFO數。

·具有所有用戶的註冊表。

·指向存儲在外部平台上的用戶附加信息的鏈接。

·所有AFO成員的列表。

付款處理內核

The system uses what it calls 'Commitments to Future Cash Flows (C2FC)' that converts a transaction on the network into a tokenized cash flow.該系統使用所謂的“未來現金流量承諾(C2FC)”,將網絡上的交易轉換為令牌化現金流量。 With CXNUMXFC, the network powers a smooth batching, transfer, trading, or transfer of cash flows regardless of the issuer.借助CXNUMXFC,無論發行者是誰,網絡都可以平穩地進行現金流量的分批,轉移,交易或轉移。

An issuer can be an individual, a DAO, machine, or corporate.發行者可以是個人,DAO,機器或公司。 Financial interactions between, for instance, lenders and borrower is recorded as a cash flow exchange.例如,貸方與借方之間的財務互動記錄為現金流量交換。

C2FC的核心功能是創建現金流量,付款執行和提款。

網絡治理模塊(NGM)

Through an application programming interface (API), the governance framework allows for the registration of financial firms, the addition of new users, and the distribution of profits.通過應用程序編程接口(API),治理框架允許金融公司註冊,增加新用戶以及分配利潤。 Additionally, NGM allows for the exchange of assets on the platform and lending of funds between AFOs.此外,NGM允許平台上的資產交換和AFO之間的資金借貸。

However, the actual governance of the Akropolis network is done by its members who hold the platform's native tokens.但是,Akropolis網絡的實際治理是由持有平臺本地令牌的成員完成的。 Voters decide on governance fees, stability fees, intra-network loan rates, and penalty fees.選民決定治理費用,穩定費用,網絡內貸款利率和罰款費用。

Akrapolis令牌(AKRO)

AKRO用作管理和工作令牌。 For example, its holders have a right to contribute to the network and also have their voice heard on matters such as the platform's design.例如,其擁有者有權為網絡做出貢獻,並且有權就平台的設計等事項發表意見。

AKRO還可以在此過程中用於抵押和賺取獎勵。 Staking is the process of locking tokens in a wallet to power protocol activities.放樣是將令牌鎖定在錢包中以推動協議活動的過程。 When using AKRO to provide liquidity, disbursement and repayment of loans is done using popular stablecoins.當使用AKRO提供流動性時,使用流行的穩定幣進行貸款的支付和還款。 However, staking rewards are distributed using the native token.但是,使用本機令牌分配賭注獎勵。

The token's value depends on its usage on the network.令牌的值取決於其在網絡上的使用情況。 Activities that increase its worth include staking and voting.增加其價值的活動包括下注和投票。

此外,AKRO的設計靈感來自MakerDAO的框架。

阿克羅波利斯和波爾卡多

為了將最新的互聯網版本Web 3.0引入生態系統,Akropolis與 波爾卡圓點 to further the project's decentralization aspect.進一步推進項目的權力下放。 Through their partnership, Akropolis can provide a secure option, in case legacy financial systems collapse.通過他們的合作夥伴關係,Akropolis可以提供一個安全的選擇,以防傳統金融系統崩潰。

To benefit from Polkadot's robustness, the protocol operates as a parachain on the platform and runs a validator node.為了從Polkadot的魯棒性中受益,該協議在平台上作為平行鏈運行,並運行驗證程序節點。 Also, Akropolis' Polkahub platform enables easy node deployment.此外,Akropolis的Polkahub平台可輕鬆進行節點部署。

結論

Although DeFi is a crucial part of non-custodial finance, Akropolis has added a software development kit (SDK) for those looking to upgrade their for-profit DAOs.儘管DeFi是非託管金融的重要組成部分,但Akropolis已為希望升級其營利性DAO的用戶添加了軟件開發套件(SDK)。 Also, it has incorporated a save and earn feature that incentivizes users to interact with interest-based saving.此外,它還集成了“保存並賺錢”功能,可以激勵用戶與基於興趣的保存進行交互。

With a focus on the informal banking sector, the project can make a difference for the unbanked.以非正規銀行部門為重點,該項目可以為沒有銀行賬戶的人帶來變化。 For yield farmers, integration with popular platforms such as Compound, Curve, and Aave secures their place on the ecosystem.對於單產農民而言,與諸如Composite,Curve和Aave之類的流行平台進行整合可以確保他們在生態系統中的地位。

資料來源:https://www.asiacryptotoday.com/akropolis/

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