Corona Virus Crisis: Where to Invest Now?
Coronavirus has caused by the time of writing 740’000 infections and 35’000 deaths. In parallel, the stock markets have crashed worldwide, here is the S&P
Corona Virus and Bitcoin price – What’s next?
Introduction Coronavirus has caused by the time of writing 310’000 infections and 13’000 deaths. In parallel, the stock markets have crashed worldwide, here is the
BZx got hacked… What’s the solution?
Introduction In the middle of February, the bZx (https://bzx.network ) got “hacked”, however not via the technical means, but via the usage of bZx and
How to disintermediate the banks?
Here is our talk from the CryptoFin Conference from October 2019 in Tallinn about how to disintermediate the banks: Here is the short summary. We
Compound and Roadmap to Crypto Fixed Income Markets
Traditional fixed income markets have emerged in the last 350 years with: 19 trillion USD base money (central banking created money – M0) 36 trillion
Risk analysis of custodial and non-custodial lending platforms
We look in this article on the risk management of the custodial crypto lending platforms and of non-custodial crypto lending platforms. The aim is not
What really matters for the borrower? Answer – Capability to borrow.
There are the custodian and non-custodian crypto lending platforms. The key difference between them is who controls the assets – the first ones control your
Why are the collateralization ratios so high in DeFi Protocols?
[:en]The current collateralization ratios are ca 300% + for the DeFi borrowing/lending protocols. These ratios benefit the lenders on these platforms because over-collateralization protects their
Why are DAI and USDC lending rates in DeFi at 10%
[:en]DAI and USDC lending rates on DeFi systems are around 10%. Considering the current low yield on most of the investment classes and upcoming negative
What drives the interest in the crypto economy and how much should it be?
[:en] In the previous article, we looked at what influences the fiat economy’s interest. The focus of this article is the crypto economy. We have
What drives the interest rate in the fiat economy and how much should it be?
[:en] In every monetary system, there is interest – the price to be paid for using someone else money. In this article, we focus on
The Self-Reinforcing SmartCredit.io Ecosystem
Our aim in SmartCredit.io is to create a self-reinforcing crypto lending/borrowing platform. Sounds easy, but how to achieve this? There are three key components of
Interview with Bull.io
Here is the transcript: Thank you for agreeing to be interviewed. If you can tell us your name and what project are you currently
Conference presentation – crypto credit-money – why do we need it?
We were presenting at the Blockercon Conference in Bristol (https://blockercon.com) in June 2019 about our favorite topic – Crypto Credit-Money – Why do we need
Our Pitch from Paris Blockchain Week
[:en] Here is our pitch — 3 minutes and 40 seconds — from the Paris Blockchain Week. Enjoy! Here is the transcript: So, we are in the lending
Lecture – HWZ Zürich, Deep Dive SmartCredit.io
We were hounoured to give a deep dive lecture at the HWZ Zürich Blockchain course (https://fh-hwz.ch/produkt/cas-blockchain-economy/) Here are our slides: About the monetary systems and
Meet the Big Blue Elephant in the room
World today is to a big extent influenced by the wealth pyramid so that 1% of people own 46% wealth in the world. It is
Crypto credit money — Will this time be different?
In the previous article, we looked at the two dimensions of money — base money and credit money. We also looked at the different kind of monetary systems that existed in the last 5’000 years and possible scenarios for the future.
Will there be credit-money in the crypto sphere?
During presentations about money, we usually hear that money has to be durable, portable, divisible and fungible. We fully agree with this distinction.