链想AMA专访——YIELD主创团队:“在高操作门槛下如何以更便捷的方式介入DeFi?”

Please introduce yourself.
下面请今天的嘉宾为人人做一下自我先容。
A

Tim Frost :
My name is Tim Frost and I am CEO of YIELD.
I have a rich Fintech, marketing, business development, and operations background. YIELD.app is my 3rd digital bank and he has been a key figure with many successful fintech and blockchain companies. Specializing in early-stage growth, operations, and development. I was part of the founding Wirex team and supported operations, business development, and marketing for the first 18 months. I also joined and helped take EQIBank to market a global digital challenger bank with an average client AUM of $250,000. I have helped accelerate early-stage blockchain startups QTUM, NEO, Paxful, Polymath, Selfkey, Everex, and many others.
Tim Frost:
我是YIELD的首席执行官。在Fintech、市场营销,BD和运营方面都有厚实的行业靠山和履历,YIELD.app是我开办的第三家数字银行。我也曾任职许多金融科技和区块链公司,专门从事早期增进、运营和开发。曾是Wirex首创团队的一员,在最初的18个月中为运营、营业开发和市场营销提供支持。还曾加入并辅助EQIBank推销了平均客户资产治理规模(AUM)25万美元的全球数字挑战者银行,也加入并助力诸多初始阶段的区块链初创公司,如QTUM,NEO,Paxful,Polymath,Selfkey,Everex等。

Justin Wright :
I have spent most of my career in capital markets and fund management before moving over to Fintech, this is my first venture in the crypto space. I have spent the last 6 years building out Beehive P2P, the largest SME P2P lender in the Middle East and having been introduced to DeFi by Tim and seeing the potential to really take crypto to the mainstream, I jumped at the chance to be part of the founding team @YIELD.app
Justin Wright :
在进入Fintech的领域之前,我大部分的职业履历在资本市场和基金治理领域。YILED是我第一次投身加密领域。在已往的6年间,我确立了Beehive P2P,这是中东最大的SME P2P贷方,现在已由Tim引入DeFi。Tim正是看到了将加密手艺真正推向主流的潜力,因此抓住了这个机遇加入了@YIELD.app的首创团队。

Jan Strandberg :
Hey everyone, I have been a growth hacker and digital for more than 10+ years and leading the growth at YIELD. I’ve helped successfully scale-up companies in the sphere and I was the head of marketing at Paxful, now the largest P2P marketplace worldwide. I’ve scaled up Paxful from 50 000 users to more than 4.5 million and from revenue perspective from 100k$ USD to 45 million USD weekly.
Jan Strandberg :
我是一名卖力公司增进的“增进黑客”,也是数字营销领域的专家,在行业内有跨越10年的履历,现在引领着YIELD在各个市场的增进。我曾是Paxful(现在是全球最大的P2P市场)的Marketing主管,在这个领域有着异常乐成的履历——不仅将Paxful的用户人数从5万扩大到了450万,也将每周创收从10万美元增进到4500万美元!

01

Q

First of all, would you please give us a brief introduction to the YIELD project?
首先,请您和我们简朴先容一下YIELD这个项目吧?
A

Jan Strandberg :
YIELD is a licensed and regulated FinTech company that enables anyone to invest in decentralized finance with the touch of a button! Offering an intuitive app and web platform, users around the world can start earning up to 20% APY through our DeFi strategies on the backend, earning returns from DeFi products without having to go through a lengthy, complex, and often costly learning process. We offer transparent governance through our YLD token. Our
goal is to go beyond DeFi and provide a more rewarding digital banking experience, where people can easily earn interest on any currency and spend their earnings using our physical debit card, without ever having to think about crypto.
We are backed by:
https://www.alphabit.fund/
https://bnktothefuture.com/
https://digistrats.com/
https://www.palcapital.com/
https://www.yeomans.capital/
https://chronosvc.com/
David Johnston (Factom)
Trevor Koverko (Polymath)
Eric Gu (Metaverse)
Tim Bos (Sharing)
Dustin Byington (Wanchain)
DuckDAO
Michael Terpin
Jeff Kirdeikis
TrustSwap
We want to simplify defi and also let people with less money to participate.

Jan Strandberg :
YIELD是一家受允许和羁系的金融科技公司,任何人可以轻松投资去中央化金融!通过提供直观的手机应用程序和网站,全球用户可以通过平台的DeFi投资计谋获得高达20%的年收益(APY)——直接从DeFi产物中获得回报,无需履历冗长、庞大且通常成本高昂的学习历程。我们通过YLD代币提供透明的治理。我们的目的是逾越DeFi,提供更有意义的数字银行体验,让人人可以轻松地使用任何钱币赚取利息,并使用我们的实物借记卡举行消费,到时将无需思量加密。
我们受到以下机构和投资者的支持:
https://www.alphabit.fund/
https://bnktothefuture.com/
https://digistrats.com/
https://www.palcapital.com/
https://www.yeomans.capital/
https://chronosvc.com/
David Johnston (Factom)
Trevor Koverko (Polymath)
Eric Gu (Metaverse)
Tim Bos (Sharing)
Dustin Byington (Wanchain)
DuckDAO
Michael Terpin
Jeff Kirdeikis
TrustSwap
我们想简化defi,让更多人介入进来。

02

Q

How did you get the idea to build it?
YIELD是基于什么样的思索下而确立的?
A

Jan Strandberg :
The idea of why to build it has come over the last years building fintech companies. I wanted to build a FinTech that had a real purpose and a place people wanted to put and let their money grow. When DeFi exploded 6 months ago all the pieces fit together, and we started to build a team so anyone can earn yields through DeFi in a safe way. In short-YIELD is made for people who want to make investments but don’t have the time or experience to get the best profits. We do the hard work for you by employing the best security and the best yield farming specialists so that you can securely invest with us for the long term!
Tim Frost :
YIELD.app is my 3rd digital bank. When we put YIELD together we wanted to build a fintech with a purpose. The purpose is to provide a safe and modern way to earn yields. Our clients will enjoy yield powered by DeFi.

Jan Strandberg :
在已往确立种种Fintech公司的历程中,实在已经萌生出这个想法。我想确立一个真正有目的的金融科技公司,一小我私家们愿意投入并让“钱生钱”的地方。 当DeFi在6个月前爆火的时刻,万事俱备,我们最先组建团队,目的就是让任何人都可以平安地通过DeFi获得收益。
简而言之,YIELD专为希望举行投资而又没有时间或履历来获取最大利润的人而设计。 我们约请顶级的平安团队和最好的farming专家为人人打理资金,利便人人可以历久平安地在YIELD投资!
Tim Frost :
YIELD.app是我的第三个数字银行。当把Yield放在一起时,我们希望确立一个有目的的金融科技。其目的是提供一个平安和现代的方式来赚取收益。我们的客户将享受由DeFi带来的利益。

03

Q

How is YIELD’s Token YLD economic model distributed? How to get YLD?
YIELD的Token YLD经济模子是怎样分配的?若何获得YLD?
A

YLD will be allocated as follows:

Jan Strandberg :
More details of Holding Rewards and Referral Rewards can be found in this article: https://yieldapp.medium.com/yield-launching-native-yld-token-5a48f2bb48ac
During the first 36 weeks after launch, our early adopters will:
1. receive YLD when they invest in a plan,
2. refer new users to our platform,
3. stake their tokens using our built-in feature,
or 4. simply hold assets in our secure multi-currency wallet. The max supply is fixed, and YLD will also be tradable on exchanges.
We’re excited to hear everyone’s thoughts and additional questions about our token document: https://medium.com/@yieldapp/yield-launching-native-yld-token-5a48f2bb48ac
Its a similar to a BNB type model. Its key to our entire ecosystem and used to reduce fees and gain access to opportunities.
As we are building a sustainable multi-year project, we plan to create and add new utility as we continue to add products, features and technology driven niches to our capabilities, this is only the start of the YIELD.APP story.

Jan Strandberg :
YLD的分配如下:

更多关于持有奖励和推荐奖励的细节可以参考这里:https://yieldapp.medium.com/yield-launching-native-yld-token-5a48f2bb48ac
在公布后的前36周内,我们的早期接纳者可以:
1. 在选定投资设计后收到YLD,
2. 将新用户推荐给我们的平台,
3. 使用我们的内置功效获取代币,
或4. 将资产轻松保存在平安的多币种钱包中。
最大供应量是牢固的,YLD也可以在买卖所买卖。
我们很喜悦听到人人对我们的代币文档的想法和其他问题:https://medium.com/@yieldapp/yield-launching-native-yld-token-5a48f2bb48ac
它类似于BNB类型的模子。是我们整个生态系统的要害,用于降低用度和获得机遇。我们正在建设一个可连续的历久项目,在建立并添加新的实用程序的同时,我们还设计不停增添产物、功效和手艺为平台赋能。现在仅仅是YIELD.APP故事的最先!”

04

Q

Why has YIELD been favored by many institutions after its launch?
为何YIELD在推出之后便获得了多家机构的青睐?
A

Justin Wright :
What sets YIELD apart is that we are a regulated licensed bank managed by a team with a proven track record in FinTech. That said, we are well-prepared to offer transparent governance through our YLD token. Our goal is to go beyond DeFi and provide a more rewarding digital banking experience, where people around the world can easily earn interest on any currency and spend their earnings using our physical debit card , without ever having to think about crypto.
We are licensed, insured, and are building a platform to offer clients a secure place to allow their money to grow. Unlike many crypto companies which are anonymous or not building companies that are compliant from day 1.
[TIM] I haven’t seen a team with the track record we have. Jan grew Paxful from 50,000 to 4.5M users and overtook Localbitcoins without raising capital. I was part of the founding team and ran marketing and BD for Wirex which now has 3.5 million clients. While we don’t want to give too many specifics on how we will take market share, our track record does speak volumes.
The team at YIELD come from a diverse range of background, with extensive experience in sectors that include investment and institutional banking, funds management, FinTech, software engineering & development, consulting, law and media, we understand what the market needs, we believe we have the right team to make this happen and build something sustainable for the long term. The whole space is growing quickly, there will always be competition, and that’s healthy provided it is with the users’ interest in mind.

Justin Wright :
YIELD之所以与众差别,是由于我们是一家受羁系的持牌银行,由一支在Fintech领域拥有优越纪录的团队治理。 也就是说,我们已经做好充分准备,可以通过我们的YLD代币提供透明的治理。 我们的目的是逾越DeFi并提供更有价值的数字银行体验,使全天下的人们都可以轻松地使用任何钱币赚取利息并使用我们的实物借记卡消费收入,而无需思量加密问题。
我们已获得允许,拥有保险并确立了一个平台,为用户提供一个平安的地方,使他们的钱能够平安稳定地获取收益。这与许多匿名或不确立从第一天起就合规的加密公司差别。
我还没有看到一支拥有我们优越纪录的团队。 Jan使Paxful的用户从50,000增添到450万,并在不筹集资金的情况下取代了Localbitcoins。Tim Frost是Wirex首创团队的一员,卖力市场营销和营业拓展,现在Wirex拥有350万客户。只管我们不想过多地说明若何获取市场份额,但我们的业绩纪录确实可以说明问题。
YIELD的团队来自差别靠山,在投资和机构银行营业,基金治理,金融科技,软件工程与开发,咨询,执法和媒体等领域拥有厚实的履历,我们领会市场的需求,我们信赖我们 拥有合适的团队来实现这一目的,并在历久内打造可连续发展的目的。 整个空间在快速增进,总会有竞争,只要思量到用户的兴趣,这就是康健的。

05

Q

Compared with other DeFi projects, what are the advantages of YIELD?
相比其他DeFi项目,YIELD有什么优势?
A

Jan Strandberg :
YIELD makes DeFi accessible to anyone thanks to our intuitive app and web platform, where users simply deposit crypto or traditional currencies and select the investment plan that suits them best.
Operating under a banking license, we offer insured and innovative financial products managed by a team with years of experience in FinTech and cybersecurity. This ensures that our users always feel comfortable earning with us. At the core of our strategy, our $YLD token allows for transparent governance, rewards loyal community members and supports social impact initiatives.
As a licensed and regulated FinTech company, we provide a secure digital banking platform where users can earn high returns through insured DeFi strategies that would be impossible for individual investors to replicate on their own.

Jan Strandberg :
通过YIELD最利便的手机应用程序和网页版本,任何人都可以轻松进入DeFi的天下。在YIELD,用户只需存入加密钱币或法币并选择最适合他们的投资设计即可。
我们凭据银行牌照谋划营业,提供平安保险和创新型的金融产物,并由在Fintech(金融科技)和网络平安领域拥有多年履历的团队治理。这样可以确保用户始终都可以在YIELD轻松投资并获得收益。作为我们计谋的焦点,我们的$YLD代币可实现治理透明化,奖励忠实的社区成员并支持社会影响设计。
作为一家经允许和羁系的FinTech公司,我们提供了一个平安的数字银行平台,用户可以通过保险的DeFi计谋获得高额回报,而这对于小我私家投资者而言是无法自己复制的。
DeFi is complex, high gas fees, and a lot of fraud. In the past, a majority of crypto holders cannot participate in DeFi due to those reasons.
This is exactly the problem we are trying to solve. Right now it’s impossible for users to make a small, maybe $100 defi investment. By having economies of scale, we are able to pass the savings along to our customers and fix their issues with limited capital. We address these specific issues by offering an intuitive mobile app where users simply deposit funds in their preferred currency and select the plan that suits them best. There are no gas fees, no transfer fees, and our team handles DeFi’s intricacies so you don’t have to.
已往,由于DeFi的庞大性、高昂的矿工费、林林总总的敲诈等种种不良的用户体验,大多数加密钱币持有人无法介入进DeFi。
这正是我们要解决的问题。现在,用户不可能举行小额投资(至少都需要100美元)。通过规模经济,我们可以帮用户节约用度,并用有限的资金解决他们的问题。通过一个直观的移动应用程序,用户可以轻松用他们的首选钱币存款,然后选择最适合他们的设计。没有矿工费(gas fees)、也没有转账用度,我们的团队会处置庞大的DeFi的问题,免去了通俗投资者的种种障碍和烦恼。

06

Q

DeFi操作门槛照样很高,Yield有什么解决方案吗?
The threshold for DeFi operation is still very high. Does Yield have any solutions?
A

Justin Wright :
We are a CeFi for DeFi company. We allow access to DeFi safely and profitably. We handle all the complications with investing into DeFi. Part of this is insurance, liquidity mining, and more.

Justin Wright :
我们是DeFi公司的CeFi(“中央化金融”)公司。让您可以平安接见DeFi,而且获得收益。我们通过投资DeFi来处置所有庞大问题。其中一部分是保险,流动性开采等等。

07

Q

In what form will YIELD provide users with protection?
YIELD将以什么形式给用户带来保障?
A

Jan Strandberg :
At YIELD, we use insured custody wallets for your deposits along with the creation of an insurance DAO through our YLD tokens. You can read further into this in our Tokenomics document https://medium.com/@yieldapp/yield-launching-native-yld-token-5a48f2bb48ac We are putting together some innovative guarantee schemes around this along with creating reserve buffers in the asset allocation plans to protect customers’ assets. As we grow, we will also increase our insurance suite to enhance the cover we can provide
We face the public with our names, and we also strive to be regulated. We have achieved to get an offshore banking license, and we intend to get a tier 1 banking license in Q2. The name tells you quite well what our company is about, so choosing YIELD was quite an obvious decision. We added the APP because we do not want to be associated with YIELD FINANCE, for instance. Also, it helps that we are well-known figures in the community, and we have an extensive network of people that know us.

Jan Strandberg :
在YIELD,我们使用保险的托管钱包存放您的资金,并通过我们的YLD代币建立保险DAO。 您可以在我们的代币文档中进一步领会此内容:https://medium.com/@yieldapp/yield-launching-native-yld-token-5a48f2bb48ac
我们正在围绕以上内容制订一些创新的担保设计,并在资产中建立贮备缓冲分配设计以珍爱客户的资产。 随着我们的发展,我们还将增添我们的保险分配,以增强我们可以提供的保险局限。
我们面临民众时异常注重自己的品牌信誉,我们也起劲受到羁系。 我们已经获得了离岸银行营业牌照,而且打算在2021年第二季度获得一级银行牌照。 名称很好地告诉您我们公司的名称,因此选择YIELD是一个显而易见的决议。 之所以添加APP,是由于我们不想与例如YIELD FINANCE相关联。 同样,这有助于我们成为社区中的着名人物,而且拥有普遍的熟悉我们的网络。

08

Q

What activities does YIELD have in the near future that Chinese users can participate in?
YIELD近期有什么流动是海内用户可以介入的?
A

Justin Wright :
Recently, there are multiple AMAs being held in different Chinese communities. We would love to invite everyone interested in YIELD join these online activities and our chinese communities. We will also hold more community activities and sharing in the future.
More details:
We will launch YLD token on December 14th on Uniswap and a tier 1 exchange. Moreover, we are doing a small convertible note + YLD bonus through BnkToTheFuture and will close soon as it’s oversubscribed. https://app.bnktothefuture.com/pitches/yield-app

Justin Wright :
最近,我们将在差别的海内社区举行多场AMA。 我们很愿意约请对YIELD感兴趣的每小我私家介入这些在线流动,并加入我们的中国社区。我们也将在后续举行更多YIELD的社群流动和分享。
更多细节:
我们将于12月14日在Uniswap和一级买卖所上推出YLD代币。我们正在通过BnkToTheFuture举行少量的可转换convertible note+ YLD奖励,而且在超额认购后将立刻关闭。 https://app.bnktothefuture.com/pitches/yield-app

09

Q

What plans does YIELD have next year? Can you share it with everyone?
YIELD在明年有何计划?可以为人人分享一下吗?
A

Justin Wright :
We are targeting a global audience from day one, already working with and continuing to build out alliances with other professional actors in the DeFi space. Some of these are technology-led, all of them are knowledge-driven with the aim of constant improvement and to pass the benefits back to our customers. Meanwhile, we are in talks with some exchanges, and our n1 priority is to build a super product with a super community. But at the same time have an open discussion with regulators.
We run a managed fund to invest into DeFi. We encourage new DeFi projects coming all the time and we invest into them and earn returns for our clients. All of our investments are audited and trusted from smart contract auditing to business logic.
YIELD.app has already successfully acquired an off-shore banking license to support our launch. Typically it takes time to reach multiple jurisdictional regulatory approvals. We are setting out our intentions from the start and will continue to add licenses as we go for all of our activities. Our long-term vision is to build a bank, and we have already acquired licenses for that. We also have a Credit and debit card planned thanks to our strong relationships with different regulators.
Jan Strandberg :
Our competitors are nexo and celsius.netowork. they are both focusing on the American market. We want to focus on the south east Asian market and bring high YIELD accounts there to normal people.
We are constantly looking for partnership opportunities and also community helpers.

Justin Wright :
我们从一最先就瞄准了全球用户,已经与DeFi领域的“圈内人”睁开互助,并将继续与他们确立同盟。所有这些都是知识驱动的,其中一些照样手艺主导的,目的是不停改进并将收益回馈给我们的用户。同时,为了确立“超级社群”和‘超级产物“,我们也在与一些买卖所举行相同,并与羁系机构举行公然讨论。
在资金方面,我们通过治理一个基金来投资DeFi。我们激励继续推出新的DeFi项目,我们也会适时举行投资来为我们的客户赚取回报。从智能合约到营业逻辑,我们所有的投资都经过了审计。
YIELD.app已乐成获得离岸银行营业允许以支持我们的产物公布。通常获得多个司法管辖区的批准需要时间,由于我们从一最先就列出我们的目的,并将在之后举行其他流动时获得更多的允许。我们的历久愿景是确立银行,而且我们也已经为此获得了允许。基于我们与差别羁系机构的慎密关系,我们还设计在未来推出信用卡和借记卡。
Jan Strandberg :
我们的竞争对手是nexo和celsius.netowork。他都专注于美国市场。我们则希望专注于东南亚市场,把高收益账户带给通俗人。
我们一直在寻找互助伙伴的机遇和社区合伙人。

谢谢以下媒体对本次AMA的大力支持:

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币圈资讯

YIELD主创团队:“在高操作门槛下如何以更便捷的方式介入DeFi?”

2020-12-10 20:10:23

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