作者：DefiGo / 來源：投稿
12 月 3 日晚八點，DefiGo 波卡之月邀請來『Defi 之月』第一期嘉賓 YIELD，門檻更低，使用更友好：一站式的 DeFi 銀行 YIELD。
以下為 AMA 內容全文：
下面請今天的嘉賓為大家做一下自我介紹。
Intros
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 $250,000. I have helped accelerate early-stage blockchain startups QTUM, NEO, Paxful, Polymath, Selfkey, Everex, and many others.
Tim Frost 是 YIELD 的首席執行官。在 Fintech、市場營銷，BD 和運營方面都有豐富的行業背景和經驗，YIELD.app 是他創辦的第三家數字銀行。Tim 也是許多成功的金融科技和區塊鏈公司中的關鍵人物，專門從事早期增長、運營和開發。他曾是 Wirex 創始團隊的一員，在最初的 18 個月中為運營、業務開發和市場營銷提供支持。他還曾加入并幫助 EQIBank 推銷了平均客戶資產管理規模（AUM） 25 萬美元的全球數字挑戰者銀行，也加入并助力諸多初始階段的區塊鏈初創公司，如 QTUM，NEO，Paxful，Polymath，Selfkey，Everex 等。
Justin Wright ：
I have spent most of my career in capital markets and fund management before moving over to Fintech, this is my first venture in the crypto space. I have spent the last 6 years building out Beehive P2P, the largest SME P2P lender in the Middle East and having been introduced to DeFi by Tim and seeing the potential to really take crypto to the mainstream, I jumped at the chance to be part of the founding team @YIELD.app
在進入 Fintech 的領域之前，Justin 大部分的職業經歷在資本市場和基金管理領域。YILED 是他第一次投身加密領域。在過去的 6 年間，他建立了 Beehive P2P，這是中東最大的 SME P2P 貸方，現在已由 Tim 引入 DeFi。Tim 正是看到了將加密技術真正推向主流的潛力，因此抓住了這個機會加入了 @YIELD.app 的創始團隊。
Jan Strandberg ：
Hey everyone, I have been a growth hacker and digital for more than 10+ years and leading the growth at YIELD. I’ve helped successfully scale-up companies in the sphere and I was the head of marketing at Paxful, now the largest P2P marketplace worldwide. I've scaled up Paxful from 50 000 users to more than 4.5 million and from revenue perspective from 100k$ USD to 45 million USD weekly.
Jan 是一名負責公司增長的“增長黑客”，也是數字營銷領域的專家，在行業內有超過 10 年的經驗，目前引領著 YIELD 在各個市場的增長。他曾是 Paxful （現在是全球最大的 P2P 市場）的 Marketing 主管，在這個領域有著非常成功的經驗——不僅將 Paxful 的用戶人數從 5 萬擴大到了 450 萬，也將每周創收從 10 萬美元增長到 4500 萬美元！
Q1. 首先，請您和我們簡單介紹一下 YIELD 這個項目吧？
First of all, would you please give us a brief introduction to the YIELD project?
A1: 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:
David Johnston (Factom)
Trevor Koverko (Polymath)
Eric Gu (Metaverse)
Tim Bos (Sharing)
Dustin Byington (Wanchain)
DuckDAO
Michael Terpin
Jeff Kirdeikis
TrustSwap
YIELD 是一家受許可和監管的金融科技公司，任何人可以輕松投資去中心化金融！通過提供直觀的手機應用程序和網站，全球用戶可以通過平臺的 DeFi 投資策略獲得高達 20％的年收益（APY）——直接從 DeFi 產品中獲得回報，無需經歷冗長、復雜且通常成本高昂的學習過程。我們通過 YLD 代幣提供透明的治理。我們的目標是超越 DeFi，提供更有意義的數字銀行體驗，讓大家可以輕松地使用任何貨幣賺取利息，并使用我們的實物借記卡進行消費，到時將無需考慮加密。
我們受到以下機構和投資者的支持：
David Johnston (Factom)
Trevor Koverko (Polymath)
Eric Gu (Metaverse)
Tim Bos (Sharing)
Dustin Byington (Wanchain)
DuckDAO
Michael Terpin
Jeff Kirdeikis
TrustSwap
2. Compared with other DeFi projects, what are the advantages of YIELD?
相比其他 DeFi 項目，YIELD 有什么優勢？
A2：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 inpidual investors to replicate on their own.
通過 YIELD 最方便的手機應用程序和網頁版本，任何人都可以輕松進入 DeFi 的世界。在 YIELD，用戶只需存入加密貨幣或法幣并選擇最適合他們的投資計劃即可。
我們根據銀行牌照經營業務，提供安全保險和創新型的金融產品，并由在 Fintech （金融科技）和網絡安全領域擁有多年經驗的團隊管理。這樣可以確保用戶始終都可以在 YIELD 輕松投資并獲得收益。作為我們策略的核心，我們的 $YLD 代幣可實現治理透明化，獎勵忠實的社區成員并支持社會影響計劃。
作為一家經許可和監管的 FinTech 公司，我們提供了一個安全的數字銀行平臺，用戶可以通過保險的 DeFi 策略獲得高額回報，而這對于個人投資者而言是無法自己復制的。
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.
過去，因為 DeFi 的復雜性、高昂的礦工費、各種各樣的欺詐等種種不良的用戶體驗，大多數加密貨幣持有人無法參與進 DeFi。
這正是我們要解決的問題。目前，用戶不可能進行小額投資（至少都需要 100 美元）。通過規模經濟，我們可以幫用戶節省費用，并用有限的資金解決他們的問題。通過一個直觀的移動應用程序，用戶可以輕松用他們的首選貨幣存款，然后選擇最適合他們的計劃。沒有礦工費（gas fees）、也沒有轉賬費用，我們的團隊會處理復雜的 DeFi 的問題，免去了普通投資者的種種障礙和煩惱。
3. What achievements has YIELD achieved in the past? What is YIELD focusing on at this stage? YIELD 在過去都取得了哪些成就？那現階段，YIELD 都重點在做哪些呢？
We have raised close to $5 million in a hybrid funding round. The funding came from multiple sources including $297,000 from online investment platform BnkToTheFuture, a further $3.4 million in private funding was secured from Alphabit Fund, Digital Strategies, PALCapital, Yeoman’s Capital and Chronos VC. Most importantly, we oversubscribed 3x our private sale in 12 h!
More details can be found here:
We will launch YLD token on December 14 th on Uniswap and a tier 1 CEX exchange!
我們在剛剛結束的混合融資中籌集了近 500 萬美元。資金來源于多個渠道，包括在線投資平臺 BnkToTheFuture 募得的 29.7 萬美元，還有知名投資平臺 Alphabit Fund、Digital Strategies、PALCapital、Yeoman's Capital 和 Chronos VC 牽頭的 340 萬美元籌得金額。這里要著重和大家講，我們的籌得在 12 小時內超額認購了三倍。
我們將于 12 月 14 日在 Uniswap 和一所頂級 CEX （中心化）交易平臺上推出 YLD 代幣 !
4. How is YIELD's Token YLD economic model distributed? How to get YLD?
YIELD 的 Token YLD 經濟模型是怎樣分配的？如何獲得 YLD？
YLD will be allocated as follows:
More details of Holding Rewards and Referral Rewards can be found in this article:
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.
YLD 的分配如下：
籌得
|
公開發售
|
YIELD
---|---|---
種子輪
57,142,857
$YLD
2 個月解鎖期 每月?
|
主輪
18,272,727
$YLD
無解鎖期
無鎖定
|
流動性挖礦池
45,500,500
$YLD
視情況而定
|
推薦池
5,000,000
$YLD
視情況而定
|
團隊與顧問
75,500,000
$YLD
解鎖期與業績掛鉤
|
增長與儲備
99,675,325
$YLD
視情況而定
總計：64,415,584 $YLD
21.5%
|
總計：50,000,000 $YLD
16.7%
|
總計：185,584,416 $YLD
61.8%
它類似于 BNB 類型的模型。是我們整個生態系統的關鍵，用于降低費用和獲得機會。我們正在建設一個可持續的長期項目，在創建并添加新的實用程序的同時，我們還計劃不斷增加產品、功能和技術為平臺賦能。現在僅僅是 YIELD.APP 故事的開始！”
Q5. 可以預計 YIELD 將吸引很多用戶存款，那么 YIELD 打算如何運用這些資金來創造收益呢？
It can be expected that YIELD will attract many users to deposit, so how does YIELD plan to use these funds to create income?
YIELD’s portfolio allocations are persified across multiple strategies and trading opportunities; these can include automated funding rate arbitrage and asset disposals through our proprietary portfolio management system that is able to identify the highest yielding market opportunities and process these through YIELD’s internal risk analysis algorithms to generate instantaneous execution and transaction requests for digital approval (multi-sig) by our portfolio managers.
All assets are protected by the YLD Insurance Fund (you can learn more about in our token article), and our DeFi strategies are curated by an expert team of market analysts and fund managers with years of experience in FinTech. By aggregating the capital of many inpidual investors, we are able to neutralize risk and offer unprecedented investment opportunities in a secure environment.
YIELD 的投資組合分配分散在多種策略和交易機會中；這些可以包括通過我們專有的投資組合管理系統自動進行資金利率套利和資產處置，該系統能夠確定收益最高的市場機會，并通過 YIELD 的內部風險分析算法進行處理，以生成即時執行和交易請求由我們的投資組合經理進行數字批準（多次簽名）。
另外，您所有資產均受 YLD 保險基金保護（您可以在我們的代幣文章中了解更多信息），而我們的 DeFi 策略由具有多年金融技術經驗的市場分析師和基金經理組成的專家團隊制定。通過匯總許多散戶投資者的資本，我們能夠消除風險，并在安全的環境中提供前所未有的投資機會。
Q6. YIELD 是如何吸引 Alphabit Fund，Digital Strategies 等機構參與投資的？
How did YIELD attract Alphabit Fund, Digital Strategies and other institutions to participate in investment?
option a: 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: option b] 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 perse 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.
A6:
option a:
YIELD 之所以與眾不同，是因為我們是一家受監管的持牌銀行，由一支在 Fintech 領域擁有良好記錄的團隊管理。也就是說，我們已經做好充分準備，可以通過我們的 YLD 代幣提供透明的治理。我們的目標是超越 DeFi 并提供更有價值的數字銀行體驗，使全世界的人們都可以輕松地使用任何貨幣賺取利息并使用我們的實物借記卡消費收入，而無需考慮加密問題。
我們已獲得許可，擁有保險并建立了一個平臺，為用戶提供一個安全的地方，使他們的錢能夠安全穩定地獲取收益。這與許多匿名或不建立從第一天起就合規的加密公司不同。
option b:
我們的團隊經驗豐富，實力雄厚。Jan 使 Paxful 的用戶從 50,000 增加到 450 萬，并在不籌集資金的情況下取代了 Localbitcoins。我是 Wirex 創始團隊的一員，負責市場營銷和業務拓展，目前 Wirex 擁有 350 萬客戶。盡管我們不想過多地說明如何獲取市場份額，但我們的業績記錄確實可以說明問題。
YIELD 的團隊來自不同背景，在投資和機構銀行業務，基金管理，金融科技，軟件工程與開發，咨詢，法律和媒體等領域擁有豐富的經驗，我們了解市場的需求，我們相信我們 擁有合適的團隊來實現這一目標，并在長期內打造可持續發展的目標。整個空間在快速增長，總會有競爭，只要考慮到用戶的興趣，這就是健康的。
Q7. YIELD 有很多關于存款的介紹，那么 YIELD 會計劃做貸款嗎？
There are a lot of introductions about YIELD deposits, so does YIELD plan to make loans?
We might look at loans at some point but as for now we are just focusing on building what we have. A platform where everyone can earn YIELD and participate into DeFi.
Q7: 我們可能會在未來某個時間關注貸款領域，但就目前而言，我們專注于自己已有的領域，每個人都可以參與 DeFi 并盈利的平臺。
Q8. YIELD 與 Celsius 等項目的區別在什么地方？
What is the difference between YIELD and Celsius and other projects?
A8: We are targeting different customers, we are building a bank with fund products at the backend, we will operate a transparent model, we're building a proprietary portfolio management system. For the 1 st fund, we are offering guaranteed returns. What people see now is our launch, we will grow beyond this and admire the work that Celsius has done, do they make it clear if they are neutral or have any risk exposures on directional trades, etc.? Are they building innovation around an insurance product?
Any good business will always have competition, think Starling Bank, Revolut, Monzo…….Same models with different approaches and customer bases. If we attack Celsius it shows weakness, we should honor them and state our visions. Also, if investors want exposure to DeFi and are worried about risk, there is a valid argument they should split their allocations across YIELD, Nexo, Celsius, etc., rather than concentrate it all on one platform.
我們的目標客戶不同，YIELD 是在后端建立一家擁有基金產品的銀行，我們將運作一個透明的模型，我們正在建立一個專有的投資組合管理系統。對于第一只基金，我們提供有保證的回報。人們現在所看到的是我們的發布，我們將超越此發展并欽佩攝氏所做的工作，他們是否清楚自己是否保持中立或在定向交易中承擔任何風險等？他們是否圍繞保險產品建立創新？
Starling 銀行，Revolut，Monzo 認為任何優秀的企業總是會競爭。具有不同方法和客戶群的相同模型。如果我們攻擊攝氏溫度，則表明它很虛弱，我們應該尊重他們并陳述我們的遠見。另外，如果投資者想投資 DeFi 并擔心風險，有一個合理的論點，他們應該將收益分配到 YIELD，Nexo，Celsius 等上，而不是將其全部集中在一個平臺上。
Q9. YIELD 近期有什么活動是國內用戶可以參與的？
What activities does YIELD have in the near future that Chinese users can participate in?
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 post updates there and have more community activities & sharings in the future!
最近，我們將在不同的國內社區舉辦多場線上 AMA。我們很樂意邀請對 YIELD 感興趣的每個人參與這些在線活動，并加入我們的中國社區。我們也將在后續舉辦更多 YIELD 的公司新聞社群活動！
