一撇社区AMA | 创新型DeFi风险管理解决方案--Clearpool

11月16日晚20点，Clearpool的CEORob做客一撇社区，由一撇社区联合发起人Callen担任主持，在电报群进行了一场内容丰富的AMA。

Clearpool是一个去中心化资本项目，Clearpool将利用融资资金继续构建协议，并推出其他功能，如去中心化信贷衍生品，从而为流动性提供者提供更复杂的风险管理解决方案。

AMA分成两个环节：主持人提问环节+自由提问环节，以下为本次AMA的精华整理。

主持人提问环节

Callen：

1:Can you give ahigh-level introduction of Clearpool and what it intends to solve?

1：您能对Clearpool做一个高层次的介绍，以及它打算解决什么问题？

Rob | Clearpool CEO:

Clearpool is the first decentralized dynamic marketplace for unsecured institutional liquidity on the blockchain.

Institutional borrowers can open individual liquidity pools and attract liquidity directly from the DeFi ecosystem.

Anybody can be a lender to these institutions, and get rewarded with higher APYs for lending unsecured. Pool APYs are also enhanced with additional rewards paid in CPOOL - Clearpools governance token

Clearpool 是第一个在区块链上提供无担保机构流动性的去中心化动态市场。

机构借款人可以开放个人流动性池，直接从DeFi 生态系统中吸引流动性。

任何人都可以成为这些机构的贷方，并因无担保贷款而获得更高的APY 奖励。矿池 APY 也通过在 CPOOL - Clearpools 治理令牌中支付的额外奖励而得到增强。

Callen：

2：What are the major utilities & token economics for CPOOL tokens？

2：CPOOL代币的主要功用和代币经济学是什么？

Rob | Clearpool CEO:

CPOOL is an ERC20 token, with a maximum supply of 1 billion. Current circulating supply is around 40 million.

CPOOL holders can vote to whitelist borrowers, who must make a proposal to the CPOOL community before they can open a pool. There is a rewards mechanism for taking part in this whitelisting process.

When full decentralization is achieved CPOOL holders will be able to propose, vote and implement future changes to the protocol.

Borrowers must be staking CPOOL during the time when their pool is active, and community members who stake CPOOL for longer periods will be eligible for higher voting rewards.

We have a buyback mechanism, where protocol revenue is used to buyback CPOOL in the market to be able to perpetually sustain rewards pools.

CPOOL 是 ERC20 代币，最大供应量为 10 亿。目前的流通供应量约为 4000 万。

CPOOL 持有者可以投票将借款人列入白名单，借款人必须先向 CPOOL 社区提出提案，然后才能开设矿池。有参与此白名单过程的奖励机制。

当实现完全去中心化时，CPOOL 持有者将能够提议、投票和实施未来对协议的更改。

借款人必须在其矿池活跃期间质押CPOOL，长期质押 CPOOL 的社区成员将有资格获得更高的投票奖励。

我们有一个回购机制，协议收入用于回购市场上的CPOOL，以便能够永久维持奖励池。

Callen：

3：What are the competing products , what are the advantages of Clearpool

3：有哪些竞争产品，Clearpool的优势是什么？

Rob | Clearpool CEO:

There is nothing really like Clearpool. There are some platforms where institutions can borrow unsecured, but it's done through multiple borrower pools.

The advantages of Clearpool is that lenders can select exactly who they want to lend to, through our single borrower pool structure. This makes it easier for them to manage the risk that they take. They also get higher interest rates when the borrower utilizes more of the liquidity in the pool, meaning that LPs get rewarded more when risk increases.

The cpTokens that LPs receive when they supply liquidity to a pool represent the credit worthiness of the borrower. They can be redeemed at any time or traded in a secondary market. They provide much more flexibility to LPs in terms of risk management. cpTokens accrue the interest from the pool on each block, and they can be staked to earn additional rewards paid in CPOOL.

This will make Clearpool one of the most attractive venues for DeFi lending.

没有什么真正像Clearpool。有一些平台可以让机构无担保借款，但这是通过多个借款人池完成的。

Clearpool 的优势在于，贷款人可以通过我们的单一借款人池结构准确选择他们想要贷款的对象。这使他们更容易管理他们所承担的风险。当借款人利用池中更多的流动性时，他们也会获得更高的利率，这意味着当风险增加时，LP 会得到更多的回报。

LP 向池提供流动性时收到的 cpToken 代表借款人的信用价值。它们可以随时赎回或在二级市场交易。它们在风险管理方面为 LP 提供了更大的灵活性。 cpTokens 从每个区块的池中产生利息，它们可以被质押以赚取在 CPOOL 中支付的额外奖励。

这将使Clearpool 成为最具吸引力的 DeFi 借贷场所之一。

Callen：

4. How does CPOOL continue to achieve value capture after listing AscendEX?

4、CPOOL在上线AscendEX后如何继续实现价值捕获呢？

Rob | Clearpool CEO:

If you buy CPOOL on AscendEX you can immediately stake them for 100% APR!

But I think also people believe in the long term prospects for Clearpool, its a market with huge potential.

如果您在AscendEX 上购买 CPOOL，您可以立即以 100% 的 APR 质押它们！

但我认为人们也相信Clearpool 的长期前景，这是一个潜力巨大的市场。

Callen：

5、It is said that people can provide CPOOL's liquidity on Uniswap until the beginning of December and will have the possibility to get NFT. Can you tell us more about this activity?

5、据说在12月初之前可以在Uniswap提供CPOOL的流动性，参与的人有可能获得NFT。可以详细介绍一下这个活动么？

Rob | Clearpool CEO:

When you provide liquidity（CPOOL/ETH Pair

）on Uniswap v3 you will receive an NFT LP token. This NFT can then be staked on Clearpool's Uniswap v3 staker page where the APY is much higher, around 1000%! Please read the detailed guide on our website to learn more.

https://clearpool.medium.com/clearpool-listing-and-staking-details-cpool-e9cd1c86f015

当您在Uniswap v3 上提供流动性时，您将收到一个 NFT LP 代币。然后可以将此 NFT 质押在 Clearpool 的 Uniswap v3 质押页面上，其中 APY 高得多，约为 1000%！请阅读我们网站上的详细指南以了解更多信息。

Callen:

6、 Can you reveal the route map of Clearpool for the coming quarter?

6、未来一季度的线路图可以透露吗？

Rob | Clearpool CEO:

We have already made some big announcements since we launched CPOOL, our partnerships with X-Margin and Lithium Finance have received very good feedback from the community. We have more partnership announcements to come, as well as announcing which Ethereum layer 2 solution Clearpool will support, and as we plan to be a multi-chain project, which blockchain we will build on next.

The protocol will be deployed on the testnet in December, everything is looking great and on schedule for that. We will invite some members of our community to test it. The smart contracts will be audited at this time and we will announce a bug bounty program. Our mainnet launch will be in January.

自从我们推出CPOOL 以来，我们已经发布了一些重大公告，我们与 X-Margin 和 Lithium Finance 的合作伙伴关系得到了社区的良好反馈。我们将发布更多合作伙伴关系公告，并宣布 Clearpool 将支持哪个以太坊第 2 层解决方案，以及由于我们计划成为一个多链项目，我们接下来将在哪个区块链上进行构建。

该协议将于12 月部署在测试网上，一切看起来都很棒，而且按计划进行。我们将邀请我们社区的一些成员进行测试。此时将审核智能合约，我们将公布漏洞赏金计划。我们的主网将于 1 月发布。

Callen:

7、Congratulations on your partnership with Lithium Finance, can you tell us more details about this partnership?

7、恭喜你们和Lithium Finance达成了合作，可以向我们介绍一下这次合作么？

Rob | Clearpool CEO:

Thank you! As I mentioned earlier, Clearpool LP tokens - cpTokens, represent the amount of liquidity that has been supplied to a pool, accrue the interest for that pool, and also represent the credit profile of the pool's borrower. They can be redeemed at any time subject to available liquidity, or traded in a secondary market. This is where Lithium comes in, for secondary market price discovery. Using Lithium's Wisdom Nodes, cpToken holders will be able to obtain consensus pricing for the current value of the tokens, this will help to create a liquid secondary market ensuring that LPs on Clearpool are always able to manage risk exposures efficiently.

谢谢！正如我之前提到的，Clearpool LP 代币 - cpTokens，代表已提供给一个池的流动性数量，该池的应计利息，还代表该池借款人的信用状况。它们可以根据可用的流动性随时赎回，或在二级市场交易。这就是锂的用武之地，用于发现二级市场价格。使用 Lithium 的智慧节点，cpToken 持有者将能够获得代币当前价值的共识定价，这将有助于创建一个流动性二级市场，确保 Clearpool 上的 LP 始终能够有效地管理风险敞口。

自由提问环节

If a loan default does happen, what will Clearpool do?

如果确实发生了贷款违约，Clearpool会怎么做？

Rob | Clearpool CEO:

Each pool has its own \"recovery\" pool, which is funded through diverting a small amount of the interest from every block. This accumulates over time and acts like a \"SAFU\" fund for the LPs of that pool. If a borrower defaults, an auction will begin whereby other whitelisted institutions, like disrtessed debt funds, can bid for the pools cpTokens. The minimum bid must be higher than the value of the recovery fund. The winning bid amount will be distributed proprtionately to the pools cpTokens holders, and the winning bidder will receive the recovery fund amount and all of the pools cpTokens. This entity will then be able to pursue the borrower legally for recovery of funds.

每个池都有自己的“恢复”池，通过从每个区块转移少量的利息来提供资金，随着时间的推移不断积累，就像一个“SAFU”资金池的有限合伙人。如果借款者违约，拍卖将开始，其他被削白的机构，如被削减的债务基金，可以投标池注册代币。最低出价必须高于回收基金的价值。中标金额将优先分配给池cpToken持有人，中标人将获得回收资金金额和所有池cpToken。然后，该实体将能够合法追讨借款人的资金。

Is your platform suitable for crypto beginners? Or is it only attractive to professional users?

您的平台适合加密初学者吗？还是只对专业用户有吸引力？

Rob | Clearpool CEO:

Its actually very simple to use, anybody can be a lender (LP) on Clearpool, and be able to lend to the top institutional names in crypto. The rewards will be very attractive, and you will be able to manage your risk easily and effectively

它实际上使用起来非常简单，任何人都可以成为Clearpool上的贷方（LP），并且能够贷给crypto中的顶级机构名称。回报将是非常有吸引力的，你将能够轻松有效地管理你的风险

The project is so excellent, which institutions have been the investment and recognition？

项目如此优秀，得到了哪些机构的投资和认可？

Rob | Clearpool CEO:

Clearpool is backed by some of the largest and most respected investors in the world, such as Sequoia Capital, Wintermute, Sino Global Capital, HashKey, Arrington, Huobi and many more. You can find the full list on our website. They all add a lot of value in different ways, and they all see huge potential for Clearpools future growth.

Clearpool得到了一些全球最大和最受尊敬的投资者的支持，如红杉资本、Wintermute、Sino Global Capital、HashKey、Arrington、Huobi等。你可以在我们的网站上找到完整的名单。他们都以不同的方式增加了很多价值，他们都看到了Clearpools未来增长的巨大潜力。

Can you talk about the security of your platform? How to ensure the safety of our funds? Do you have an independent security team to supervise？

你能谈谈你平台的安全性吗？如何确保我们的资金安全？您是否有独立的安全团队进行监督？

Rob | Clearpool CEO:

We will of course be having our smart contracts audited by a top firm. Our token contracts and vesting contracts have already been audited, and we will do the same for the protocol smart contracts. In addition, we have partnered with Hex Trust, Asia's leading digital asset custodian. They are the custody experts! They are helping Clearpool with the safekeeping of user assets, transaction monitoring, and regulatory aspects, they are licensed in HK & Singapore. Security of user assets is a top priority for our team

我们当然会让一家顶级公司对我们的聪明合同进行审计。我们的令牌合同和授予合同已经被审计，我们将对协议智能合同做同样的事情。此外，我们还与亚洲领先的数字资产托管机构Hex Trust合作。他们是托管专家！他们正在帮助Clearpool保管用户资产，交易监控和监管方面，他们在香港和新加坡获得许可。用户资产的安全性是我们团队的首要任务。

Just getting users, holders, etc. Is not everything. In my opinion, a project needs to solve a real world problem. What are the main concerns of your project?

仅仅获得用户、持有者等并不是一切。在我看来，一个项目需要解决一个现实世界的问题。您项目的主要关注点是什么？

Rob | Clearpool CEO:

Clearpool solves one of the biggest pain points for DeFi borrowers - overcollateralization. So there is huge demand from the borrowing side. On the lending side Clearpool is a huge improvement on the existing platforms that aim to solve this problem. As I mentioned earlier, Clearpool allows lenders to select exactly which borrowers they want to lend to, we provide ways where LPs can measure and monitor credit risk, and manage/hedge it effectively. Rewards will also be much higher on Clearpool, especially when risks increase, so you get rewarded fairly for taking risk.

Clearpool解决了DeFi借款人最大的痛点之一－－过度抵押。因此，借款端需求巨大。在贷款方面，Clearpool是对现有平台的巨大改进，旨在解决这个问题。正如我前面提到的，Clearpool允许贷款人准确地选择他们想要贷款给哪些借款人，我们提供了LPs可以测量和监控信用风险的方法，并有效地管理／对冲它。在Clearpool上回报也会更高，特别是当风险增加时，所以你会因为冒险而得到公平的回报。

In the future, how will Clearpool develop a decentralized trading platform to meet users' more diverse and complex financial needs?

未来，Clearpool将如何开发一个去中心化的交易平台，以满足用户更加多样化和复杂的金融需求？

Rob | Clearpool CEO:

Clearpool is developing decentralized credit derivatives which will be introduced later. This will attract more sophisticated investors into DeFi which will bring significant growth potential, it will also provide more optionality for lenders to manage and trade risk and enhance returns.

Clearpool正在开发去中心化的信用衍生产品，稍后将推出。这将吸引更多成熟的投资者进入DeFi，这将带来巨大的增长潜力，也将为贷款人提供更多的选择管理和交易风险，并提高回报。

Do cpool token holders have any other benefits besides loans and voting? We know that enabled tokens will have more value. If we don't borrow money, it's meaningless to hold cpool. Therefore, we hope to know whether cpool holders have other ways to obtain income, such as gas dividends.

cpool的代币持有人除了可以贷款和投票还有没有其他的收益呢？我们知道有赋能的代币会有更多价值，如果我们不贷款，持有cpool那就没有意义了，所以我们希望能够知道cpool持有人还有没有其他的收益获取方式，比如gas分红。

Rob | Clearpool CEO:

Holders who stake CPOOL will not only earn staking rewards but they will also be eligible for higher voting rewards, the longer you stake the more you can earn. This willl also be relevant to LPs. We also have a buybach scheme where protocol revenue will be used to buyback CPOOL in the market in order to perpetually sustain reward pools. Long term holders and stakers will have the better opportunities

持有CPOOL股份的持有者不仅可以获得staking奖励，而且还可以获得更高的投票奖励。这也与LPs有关。我们还有一个buybach计划，协议收入将用于在市场上回购CPOOL，以永久维持奖励池。长期持股者将有更好的机会

How does your project. generate profit / revenue to sustain your project? What is its revenue model? How does it make investors and your project win-win?

你的项目是如何完成的。产生利润/收入以维持您的项目？它的收入模式是什么？它如何使投资者和您的项目双赢？

Rob | Clearpool CEO:

Protocol revenue is generated through a spread the interest paid by borrowers to lenders. This revenue will be used to fund the DAO for continued developemt, and to buyback CPOOL for sustainable reward pools. Borrowers can access unsecured liquidity, lenders get higher rewards and are rewarded more fairly for taking risk. Removing intermediaries from the lending and borrowing process makes it win-win for all!

协议收入是通过利差产生的利息由借款人支付给贷款人。这笔收入将用于为DAO的持续开发提供资金，并用于回购CPOOL的可持续奖励池。借款人可以获得无担保的流动性，贷款人可以获得更高的回报，并因承担风险而获得更公平的回报。将中介机构从借贷过程中剔除，使之成为双赢！

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