嘉賓：
二級標題
嘉賓：
Kriptobi & Dank AMA
嘉賓：
Katherine，Community Lead
Alejandro，Community Development (European & American)
Katherine：
Hello, I'm Katherine, community lead of Dank Protocol. Thank you for having us.
大家好，我叫Katherine。是Dank Protocol 的社區負責人。謝謝邀請我們來到這裡做AMA。
Ale：
Hello everyone, I’m Alejandro, part of Dank’s community development team and very excited to meet you all in today’s AMA session.
Kriptobi 主持人：
Kriptobi 主持人：
Could you give us a brief introduction to Dank Protocol? What do you aim to do and solve in this sector?
可以簡單介紹一下Dank Protocol 嗎？你打算在這個領域做什麼和解決什麼問題？
Ale：
Sure! DANK is an open-source Ethereum-based decentralized lending protocol, which aims to solve fund inefficiency in the De-Fi market and create a fixed income market. Dank's fundamental goal is to allow all valuable crypto assets to obtain diversified financial services, and create a long-term constant income flow, and financial foundation.
當然可以！ Dank 是一種基於以太坊的無需許可開源借貸協議，旨在解決DeFi 市場資金效率低下的問題和構建固定收益市場。 Dank 的根本目標是讓所有有價值的加密資產獲得多元化的金融服務，創造可持續發展的科技金融基礎。
As everyone knows, as De-Fi matures, excessive speculation and unstable returns are difficult to maintain sustainable development. Our team has been thinking about how to make De-Fi truly sustainable; as we continue to work towards helping more people gain access to a stable and a constant income framework.
Kriptobi 主持人：
Kriptobi 主持人：
Can you talk about the products of the Dank Protocol project ? What are your main features that make you different from other competitors and what competitive advantages do you have ?
可以請你介紹一下Dank Protocol 的產品嗎？你們的主要特點是什麼，使你們與其他競爭對手不同，有哪些競爭優勢？
Katherine：
As mentioned before, Dank is an open-source decentralized lending protocol. Broadly speaking, anyone can operate, build, and integrate Dank without restrictions.
如上文所說，Dank 是一種無需許可的開源借貸協議，廣義上來說任何人都可以毫無無限制地使用、構建和集成它。
First of all, the bottom-layer lending of DANK protocol is consistent with Comp and AAVE, that is, a variable interest rate lending protocol. Anyone can deposit and withdraw or lend their assets to obtain a floating interest rate.
首先，DANK 協議的底層借貸和Comp、AAVE 是一致，也就是可變利率的借貸協議，任何人都可以存取或者藉還自己資產來獲得浮動的利率。
The main difference between DANK and others in the same field like: Comp and AAVE, is that Dank is more oriented towards the market of fixed interest rates, capital efficiency and interest rate derivatives. At the same time, DANK proposes a forward rate agreement contract swap model based on the floating interest rate market. Users can release the forward income of d-token at any time and obtain instant fixed income.
不同於COMP 和AAVE 的，DANK 更專注於固定的利率、資金效率和利率的衍生品的市場，同時DANK 提出基於浮動利率市場的遠期利率合約掉期模型，用戶可以隨時釋放d-token 的遠期收益，獲得即時固定收益。
My colleague Alejandro will be giving us an example of our protocol in a moment.
下面請我的同事Alejandro 來給大家舉個例子。
Ale：
Let me give you guys an example to illustrate the direction of our protocol: Bob deposits 1 ETH into DANK protocol. Bob will also receive the deposit certificate minted by DANK protocol: 1 D-Eth
我來舉個例子來說明一下我們協議的動機和方向，Bob 在DANK 協議存入1ETH，那麼Bob 也會收到由DANK 協議鑄造的存款憑證：1 d-ETH。
D-Eth is the same as C-Eth (Compound's deposit certificate), which represents the certificate of Bob's deposit and floating income. In fact, we found that Bob who holds D-Eth can make good use of the position that he has to wait for unguaranteed returns. If the attributes of D-Eth are minted and split, Bob’s D-Eth will be split into a principal token and a revenue token. Bob now has a flexible asset management method.
d-ETH 和c-ETH （Compound 的存款憑證）一樣，代表著Bob 本金存款和浮動的收益的憑證，此時持有的d-ETH 的Bob 除了等待不確定的收益，似乎什麼也乾不了。事實上的，我們發現持有d-ETHD 的Bob 完全可以好好利用這個頭寸，思考一下，如果將d-ETH 的屬性進行鑄造和拆分，即Bob 將他的d-ETH 拆分為本金token+收益token，那這時Bob 的就有了靈活的資產管理方式了。
Based on the principle of zero-coupon bonds, Bob can sell his own principal token at a discount without giving up the right to his basic principal, thereby obtaining higher capital efficiency.
基於零息債券的原理，Bob 可以在不放棄基礎本金收益權的前提下，折價賣出他自己的本金token，從而獲得更高的資金效率。
If the variable interest rate market is positive in the future, Bob can release his earnings token ahead of time when the market is bullish.
如果可變利率市場在未期積極，那麼Bob 可以在市場信心積極的情況下，提前釋放自己的收益token
Bob does not sell his own principal token and income token, and engages in the business of providing liquidity based on the existing Dank's Fixed Rate Market, earning more handling fees.
Bob 不出售他自己的本金token+收益token，在基於現有的Dank's Fixed Rate Market 上面從事提供流動性的生意，賺取更多的手續費。
Simply put, if Bob wants stable or guaranteed income, then Bob can take his income rights in advance and sell them to the market (Dank's Fixed Rate Market) to obtain fixed income without having to worry about income fluctuations. On the other hand, if he wants to obtain higher capital efficiency, then his capital certificate can be sold to the market at any time with discount.
Kriptobi 主持人：
Kriptobi 主持人：
In addition to lending protocol, we know that Dank Protocol also has fixed interest rate products. Fixed interest rates occupy a large market in the traditional financial industry. What do you think is the development prospect of fixed interest rates in the De-Fi market?
除了借貸協議，我們知道Dank Protocol 還有固定利率產品。固定利率在傳統金融行業佔有很大的市場。您認為固定利率在De-Fi 市場的發展前景如何？
Ale：
Fixed interest rates or fixed income holds a major position in traditional financial markets around the world. For example, it is recognizable that the fixed income market is huge by looking at the volume of US Treasury bonds, a market worth at around 28 trillion US dollars. Similarly, the next market in De-Fi is the same, especially now that the world's top financial institutions are working in secret towards blockchain acceptance to integrate into financial markets and applications.
Kriptobi 主持人：
Kriptobi 主持人：
Many people are already attention interest in #NFT this year and NFT has become really popular. What kind of work do you have on the NFT field in your project ?
今年很多人已經對NFT 產生了濃厚的興趣而且已經變得非常火。你們項目中的NFT 領域有哪些發展？
Katherine：
Yes, NFTs have recently become extremely popular! In fact, we knew about NFTs very early on, especially since the 2017 CryptoKitties! At the time, it was the first NFT that had charmed the public.
是的，NFT 最近太火爆了！關於NFT 其實我們很早知道，特別是2017 年的加密貓！那時候是NFT 的第一次在公眾面前展示他的魅力
As time passed, the development of NFTs brought more possibilities to crypto, like artwork, identity information, games, bills and vouchers, etc. We also released our own NFT called DANK-PUNK. At the moment, the definition of the DANK protocol for NFTs is more practical, as DANK protocol itself is a financial infrastructure.
隨著時間的增長，NFT 的發展給整個加密帶來更多的可能性，特別的藝術品、身份信息、遊戲、票據憑證等等。我們也發行了一個我們自己的NFT，叫做DANK-PUNK。目前DANK 協議對於NFT 的定義更多是實用性上面，因為DANK 協議本身是金融的基礎設施。
We hope to rely on this bottom-layer to build chain identity and a future credit foundation. In regards to the definition of DANK-PUNK, we hope it to be the result of communitization rather than having our team to summarize and define it. We indeed have various ideas, but we hope that this is a cultural product led by the community.
For a brief description of DANK NFTs, please refer to this link: https://medium.com/dank-protocol/dank-nft-attributes-9fa1c7603bd0
我們希望依託在這種底層上去構建純粹的象徵、鏈上身份以及未來的信用基礎。關於DANK-PUNK 的定義，我們希望是一個社區化的過程，而不是我們團隊去總結和定義它，我們當然有很多想法，但是更希望這是一個社區去主導的文化產物。關於DANK NFT 的一些簡要的描述可以參照這個鏈接：https://medium.com/dank-protocol/dank-nft-attributes-9fa1c7603bd0
If you have any ideas or comments about our NFTs, feel free to contact us!
Kriptobi 主持人：
Kriptobi 主持人：
Can you talk about tokens ? What are the benefits for investors in holding tokens ? What are the usage areas ?
你能談談代幣嗎？投資者持有代幣有什麼好處？有哪些使用領域？
Katherine：
I knew the community would like to know more about this! But, unfortunately details of the tokens have not been disclosed yet, but we will release relevant information soon and go public as soon as we get a green light from our developers, so stay tuned!
哈哈，我知道有很多人關注這個。但很抱歉代幣的細節暫時還沒披露，但我們會很快推出相關的細節，一旦我們確定了就會馬上公開！保持關注！
Ale：
DANK is the native governance token of the DANK protocol. Its main purpose in the future is the governance of the protocol, including: delegation, voting, parameter setting, income transfers, and protocol upgrades.
DANK 是Dank 協議的原生治理代幣，未來的主要用途是協議的治理，包括：委託、投票、參數設置、收入轉讓、協議升級等。
Well there are plenty of cases in the history of crypto that long-term holding is the way to invest for generational wealth. Those who invest long-term will gain higher profit margins in the future. Generally speaking, the value of governance tokens largely reflects the consensus value given by the community and the protocol.
Kriptobi 主持人：
Kriptobi 主持人：
Finally, How is #DankProtocol development going ? Can you describe current development status, market expansion plans, expected applications ? What awaits us in the future ?
最後，Dank Protocol 的開發進展如何？您能描述一下目前的發展狀況、市場擴張計劃、預期應用嗎？未來等待我們的是什麼？
Katherine：
Our team at DANK has been studying models related to fixed interest rates, new protocol development, and Layer 2 for the past few months.
DANK 從過去幾個月一直在研究固定利率相關的模型、新協議開發和Layer 2，事實上還不止這些。
At this time, DANK's basic lending is about to launch. Just to disclose some private information, we have submitted the code to Certik for auditing, and are waiting for the final report from the agency.
目前DANK 的基礎借貸即將上線，透露下一下，我們將代碼提交給Certik 審計了，在等待審計機構最後的報告。
In addition, our fixed interest rate Demo has been made public. After finishing off specifics and related security audit tests, we expect the fixed interest rate protocol to be launched around mid-October.
另外我們的固定利率Demo 已經公開了，在完善細節和相關安全審計測試後，固定利率協議我們預計會在十月中旬左右上線。
In regards to the market plan, the current market size of De-Fi lending and income positions is about 50 billion U.S. dollars. It is clear to us that the next stage of the fixed income market is projected to grow exponentially large. In terms of PR, we have already begun to make a branding plan on a global scale. The next step is community building and strategic partnerships. In the future, we plan on sharing DANK products with more communities.
市場計劃這裡，目前DeFi 借貸和收益頭寸的市場規模大約有500 億美金的市場，在下一個階段我們更清楚，固定利率市場的出口會更大。 PR 方面，我們目前已經開始在全球範圍開始做品牌的計劃了，下一步是社區的建設和一些戰略合作關係，未來我們會和更多社區分享關於DANK 的產品。
We have plans to find community leaders like nodes in various regions to be responsible for their local Dank community construction: online and offline activities. If you are interested, feel free to contact us.
而且我們有計劃想在各個地區找到類似節點的社區負責人，負責當地Dank 社區建設和線上線下的活動安排。如果有興趣的話歡迎聯繫我們。
Ale：
For future applications, we hope that DANK will be integrated by more third parties, credit loans, identity vouchers, etc.
未來應用這裡，DANK 會被更多的第三方集成、信用貸款、身份憑證等。
De-Fi has already become an unstoppable force and is the single largest technological revolution after the discovery of the Internet. In the future, centralized banks such as Citigroup, JP Morgan, and Goldman Sachs may cease to exist as more banks could be made to be similar to that of DANK, Compound, and AAVE.
二級標題
Once again, please feel free to join our community if you would like to know more about our project and to follow future developments! Looking forward to seeing all of you over there!
二級標題
以下為抽取回答的五個社區問題：
Audience （觀眾）：
Q1. A lot of scam projects lately. Pulling the rug creates a loss for investors. why should we trust your project? Aren't you going to do the same?
Answer （回答）:
Answer （回答）:
There are a lot of known shitcoins on the market with the pump and dump hypes and we are very aware of that. We pride DANK in being a strong competitor in the lending protocol market. We aim to compete with protocols like AAVE, Compound, and others. Shitcoins like Doge, Shiba inu, and Safemoon have no utility and gain their value through speculation and hype.
市場上有很多眾所周知的垃圾幣，伴隨著暴漲暴跌的炒作，我們非常清楚這一點。我們為DANK 成為藉貸協議市場的強大競爭對手而感到自豪。我們的目標是與AAVE、Compound 等協議競爭。像Doge、Shiba inu 和Safemoon 這樣的Shitcoins 沒有效用，通過投機和炒作獲得價值。
Audience （觀眾）：
Q2. Can you tell us the 1-2 great features that stand out from Dank Protocol competitors?
Answer （回答）：
Answer （回答）：
The main difference between DANK and others in the same field like: Comp and AAVE, is that Dank is more oriented towards the market of fixed interest rates, capital efficiency and interest rate derivatives.
DANK 與同領域其他公司（如Comp 和AAVE）的主要區別在於，Dank 更面向固定利率、資本效率和利率衍生品市場。
Audience （觀眾）：
Q3. Hello Sir, Do you have AUDIT certificates? OR Are you working to AUDIT your project, to make it more secure and reliable?
Answer （回答）：
Answer （回答）：
Yes, as we mentioned. we have submitted the code to Certik for auditing, and are waiting for the final report from the agency. We are confident about it.
是的，正如我們提到的。我們已將代碼提交給Certik 進行審核，正在等待該機構的最終報告。我們對此充滿信心。
Audience （觀眾）：
Q4. How important is the community to you? While you build your project, do you consider community reactions and demands?
Answer （回答）：
Answer （回答）：
The community is everything to us! Without the community’s support and interests we wouldn’t be where we are today. We are always very active on our social media channels. Join our Discord channel, and telegram group to give us feedback! We are always very happy to listen to the community and improve DANK.
社區就是我們的一切！沒有社區的支持和興趣，我們就不會走到今天。我們在社交媒體渠道上始終非常活躍。加入我們的Discord 頻道和電報群給我們反饋！我們總是很樂意聽取社區的意見並改進DANK。
Audience （觀眾）：Q5. Are you planning to promote your project in countries / regions where English is not good? Do you have a local community for them to better understand your project?
二級標題
Answer （回答）：
Yes absolutely, we plan to promote DANK in every region possible. We have 10 language channels on our discord chat! Including Russian, Spanish, Chinese, Portuguese, and so on. I personally speak English, Spanish, and Mandarin Chinese!
正文
更多關於Dank 的信息，請訪問：
更多關於Dank 的信息，請訪問：
更多關於Dank 的信息，請訪問：
Telegram 電報：http://t.me/DankProtocol
Telegram 電報：http://t.me/DankProtocol
Telegram 電報：http://t.me/DankProtocol
Discord: https://discord.gg/3gZKTsZh
