稳定币还有新玩法？信用稳定币协议Claim了解一下！

以下为分享实录，深链财经略有整理：

分享环节

感谢邀请，我叫Ivan Anichkov，是Claim的创始人兼CEO。

我毕业于加州州立大学海沃德商业与经济学院。我本人有15年的金融产品开发和服务的经验，在AI和区块链领域同样也有丰富的经验，同时我也是IBM东欧/亚洲区的顾问。

基于我以前的经历，目前我召集了一个专业的策划团队，并创建了Claim。

So yes, thanks for inviting here.

My name is Ivan Anichkov, I’m Founder and CEO of Claim.

I have graduated from the Hayward Institute of Business and Economics, California State University. 15 years of experience in financial product and service LoB. Consultant of IBM, Eastern Europe/Asia. I have an extensive experience in AI and blockchain.

Given my past experience, I’ve gathered a mastermind team to create Claim.

So yes, it’s my brief intro. Next question please.

问答环节

深链财经：目前市面上的稳定币类型大概分为三种，一种是以USDT为代表的法币锚定型稳定币；一种是DAI为代表的加密货币锚定型稳定币，还有一种是近年来比较火热的算法稳定币，以算法来调节流通供应量。而我们的Claim主打信用稳定币，似乎与上述三种稳定币都不一样，能否为我们介绍下Clain的原理和特点？

There are three types of stablecoins on the market. One is fiat anchor stablecoin represented by USDT; One is the cryptocurrency anchor stablecoin represented by DAI, and the other is the algorithmic stablecoin that has been popular in recent years, which adjusts the circulation supply by algorithms. However, Claim is focusing on credit stablecoin, which is different from the above three stablecoins. Could you please introduce the principle and characteristics of Claim?

Ivan：好问题，给我点时间来书写答案。

时至今日，在DeFi稳定币的发展过程中，最广泛使用的模型仍然是针对抵押资产铸造的稳定币，就像以美元抵押发行的USDT以及超额抵押的DAI。

和他们不同的是，Claim能够不完全依赖铸造者资产的当前价值，将资产未来的预期收益也作为可信任的抵押品，从而大大提升稳定币的资金利用效率。

Claim协议允许用户抵押持有的资产，并生成稳定币cUSD。此外，该协议还允许用户通过聚合收益平台存放资产进行资金分配，并产生投资收益。这些资产的投资回报率同时也将作为Claim公司信用体系的支撑价值。

在我们的模型中，用户存放的资产不仅可以作为抵押品获得稳定币cUSD用于资金流通，还可以享受到资产预期收益所形成的信用杠杆，从而大大提高了协议的实用性。

这是最本质的不同。

Good question! Let me some time to write an answer.

Yes, so, throughout the development of DeFi stablecoins, the most widely used model is still of stablecoins minted against pledged assets, as you mentioned in case of USDT and DAI.

Quite instead, Claim can not completely rely on the current value of the mint’s assets, but the expected future returns of the assets will also be used as trusted collateral, which will greatly improve the asset utilization efficiency of our stablecoin.

The Claim protocol allows users to pledge assets held by others and generate stablecoin cUSD. The protocol allows users to deposit assets through the aggregation income platform for capital allocation and generate investment income.

The ROI in these assets will serve as the support value of Claim’s credit system. In our model, the user’s deposited assets can not only be used as collateral to obtain stablecoin cUSD for capital circulation, but also can enjoy the credit leverage formed by the expected return of assets, which greatly enhances protocol’s utility.

That’s the difference essentially. I’m OK, please next question.

深链财经：目前来说，USDT类型的稳定币和DAI类型的稳定币占整个稳定币发行总量的93%左右，而后起之秀的算法稳定币，虽说市场占比不高，但新项目却层出不穷。稳定币市场竞争不可谓不激烈。我想问下，我们Claim相较于其他类型的稳定币，有何出奇制胜的法宝和优势？

For now, USDT stablecoins and DAI stablecoins account for about 93% of the total issuance of stablecoins, while the up-and-coming algorithm stablecoins, although the market share is not high, but new projects are emerging one after another. Competition in the stablecoin market is fierce. I would like to ask, what is the advantage of Claim compared to other types of stablecoins?

Ivan：我喜欢这个问题。

回答你的问题——这实际上都是关于Claim如何工作的。

在初始阶段，DAI将作为质押资产得到支持。用户存入稳定币DAI后，cUSD将按1:1的比例铸币。该协议将利用用户的存款资产和cUSD通过聚合收益平台进行资产分配，形成投资收益。

如前所述，在我们的模型中，用户存放的资产不仅可以作为抵押物获得稳定币cUSD用于资金流通，而且可以作为资产预期收益形成的信用杠杆，大大提高了协议的实用性和资产有效性。

Nice! I love your questions.

Answering your question — it’s really all about how Claim works.

DAI will be supported as a pledge asset in the initial stage. After the user deposits the stablecoin DAI, cUSD will be minted at the ratio of 1:1. The protocol will use the user’s deposited assets and cUSD to allocate assets through the aggregated income platform to form investment income.

As said before, in our model the user’s deposited assets can not only be used as collateral to obtain stablecoin cUSD for capital circulation, but also as a credit leverage formed by the expected return of assets, which greatly enhances the utility of the protocol and assets effectiveness.

深链财经：Claim目前支持Dai这一种稳定币作为协议质押资产。用户在存入Dai后，将按照1:1的比例铸造cUSD。我好奇的是，我们cUSD的应用场景有哪些？

Claim currently supports the stablecoins DAI as a protocol pledge asset. cUSD will be cast in a ratio of 1:1 after the user deposits the above Dai. What I’m curious about is, what are the application scenarios of cUSD?

Ivan：从本质上说，Claim是合成资产协议的第一个近似的形式。所以我们设想人们可以通过创造美元来借贷，从而获得被动收入。

正如我所相信的，Claim可以成为全世界人们进入DeFi空间的一个重要入口，由于它类似于传统金融的运作方式，增强了它的潜力，并增加了技术上经过实战验证的视角——它是区块链、安全的、不可变的等等。

最重要的是，我相信Claim能促进金融包容性。

Claim就像银行一样，但同时消除了银行所固有的瓶颈。

Essentially Claim is the very first approximation of a synthetic assets protocol. So we envision that people can generate cUSD to lend, to borrow, to have a passive income and so on.

As I believe, Claim could become a single point of access to the DeFi space for people worldwide, as it resembles how traditional finance works, but enhances its potential and add a technological battle-proved perspective — it’s on blockchain, secured, immutable and so on.

At the bottom line of this, I believe Claim can foster the financial inclusion.

So yes, Claim is like banking, but with all bottlenecks of banks wipped out.

深链财经：一直以来，稳定币就遭受着黑客的威胁。就在去年，Origin Protocol所发行的稳定币就曾遭受黑客攻击，蒙受700万美元的损失。我想了解下，为了防止黑客攻击，Claim做了哪些应对？

Stablecoin has been under threat from hackers for a long time. Last year, the stablecoin that launched by Origin Protocol was hacked, resulting in a $7 million loss. I want to know, in order to prevent hacker attack, what does Claim do?

Ivan：事实上，从一开始，Claim团队就消除了在技术级别上与用户资产直接接触的可能性。

在Claim中，所有的操作都是通过智能合约进行的，用户权限只能由自己操作，因此也消除了恶意操作的可能性。

我们还采用了多重签名设计、分池隔离、代理合约等技术来隔离用户资产和平台保险对冲基金。

此外，为了证明满足了最高的安全标准，我们还将我们的代码发送给了SlowMist security Audit进行审查。审核号为:0X002104150004，综合评估该合同无风险。

Indeed, from the very beginning, the Claim team has eliminated the possibility of direct contact with the user’s assets at the technical level.

All operations are performed through smart contracts, and the user’s rights can only be operated by themselves, eliminating the possibility of malicious actions.

We have also adopted the multi-signature design, pool separation, proxy contract, etc., to isolate user’s assets and platform insurance hedging funds. To prove the highest security standards are met, we sent our code for review to SlowMist Security Audit. The audit number is: 0X002104150004, and the contract has no risks in a comprehensive assessment.

深链财经：我们看到，Claim除了发行稳定币之外，还推出了CLAIM代币挖矿活动。能否为我们介绍下挖矿活动是什么样的吗？

Claim not only issue stablecoin but also launch CLAIM token mining activity. Can you introduce to us what the mining activity is?

Ivan：是的，当然。

我们将进行为期六周的采矿活动，并将分发大约1200万美元的CLAIM代币。加入我们的Telegram聊天，我们的社区团队成员将提供帮助。

Oh yes, sure.

A 6-week mining activity will be carried out and approximately 12 million $CLAIM tokens will be distributed. To participate, join our Telegram chat and our community team members will help.

深链财经：目前，Claim计划将于5月23日在DODO上进行IDO，并会在下月初上线交易所。我想问下，除此之外，Claim接下来，还有那些重要的发展节点？

For now, Claim plans to have IDO on Dodo in the middle of the month, and will be launched on exchange at the beginning of next month. I want to ask, what are the other important development points of Claim?

Ivan：是的，基本上Claim将首先在以太坊网络上发布，然后在币安智能链上发布。此外，我们正在考虑与其他网络的跨链功能，如Polkadot, Tron, Solana等。

我们将在本季度晚些时候或下个季度提出一个技术路线图。

Yes, so basically Claim will be launched on the Ethereum network first, and then on Binance Smart Chain. Besides, we’re thinking about a cross-chain functionality with other networks, like Polkadot, Tron, Solana and some others.

We will present a technical roadmap later this quarter/next quarter I think.

来源：深链财经

免责声明：Cointelegraph中文作为区块链新闻资讯平台，所提供的资讯仅代表作者个人观点，与Cointelegraph中文平台立场无关，且不构成任何投资理财建议。请广大读者树立正确的货币观念和投资理念，切实提高风险意识。鉴于中国尚未出台数字资产相关政策及法规，请中国大陆用户谨慎进行数字货币投资。

来源：https://cointelegraphcn.com/news/claim