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BZx got hacked: What’s the solution?
In the middle of February, the bZx (https://bzx.network ) got “hacked”. However, this was not via the technical means but the usage of bZx and
Latest Blog Posts
How to Disintermediate the Banks?
How to disintermediate the banks – here is our talk from the CryptoFin Conference from October 2019 in Tallinn and explanations in this blog article
Risk Analysis of Crypto Lending Platforms
This article focuses on the risk analysis of the custodial crypto lending platforms and of non-custodial crypto lending platforms. The aim is not to say
Why borrowers need Low Collateral Ratio?
Most of crypto lending platforms advertise their interest rates, as the key benefit for the borrowers and lenders on their platforms. But are the interest
Why is the Collateral Ratio So High in DeFi?
How could a borrower have a low collateral ratio? A collateral ratio in size of 300% + is standard for the DeFi borrowing/lending. A high
Why is DAI Interest Rate 10% in DeFi?
DAI interest rate is around 10% in DeFi. Considering the current low yield on most of the investment classes and upcoming negative interest era, we
What drives the crypto interest rate and how much should it be?
In the previous article, we looked at what influences the fiat interest rate in the fiat-money based economy. The focus of this article is the
What Drives the Fiat Interest Rate and How Much Should it Be?
In every monetary system, there is interest – the price to be paid for using someone else money. In this article, we focus on the
The Self-Reinforcing SmartCredit.io Crypto Lending Ecosystem
Crypto lending has evolved as part of an alternate blockchain-based financial system. SmartCredit.io’s vision is to support the alternate financial system and to create a
SmartCredit.io Interview with Bull.io
Here is a SmartCredit.io interview with Bull.io from June 2019 from Bristol, UK: Here is the transcript: Thank you for agreeing to be interviewed. If
Presentation – crypto credit-money – why do we need it?
We presented at the Blockercon Conference in Bristol (https://blockercon.com) in June 2019 about our favorite topic – Crypto Credit-Money – Why do we need it?
SmartCredit.io Pitch from Paris Blockchain Week
Here is SmartCredit.io pitch — 3 minutes and 40 seconds — from the Paris Blockchain Week. Enjoy! SmartCredit.io Pitch Transcript So, we are in the lending business, in the
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
Why do we have inequality?
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
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.
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.
Internet Bubble 2000 versus Crypto Bubble 2018 – What’s next?
Some readers may remember the NASDAQ Dot-com bubble of 2000, but most readers WILL remember the Crypto bubble of 2018. In this article, we ask if we can leverage our knowledge of NASDAQ’s 2000 bubble in forecasting future crypto trends? What are their commonalities? And what will happen next?
Conference Presentation – Why do we need Crypto Credit Money?
I was presenting on 28th of November 2018 at the moontec.io conference in Tallinn, Estonia about the monetary systems and about why one will need credit money in the crypto sector.
SmartCredit.io Pitch at the Swiss Fintech Investor Day in Zurich
Here is our pitch from the Swiss Fintech Investor Day in Zurich: