果味财经授权李安嶙频道发布

出品| 须佐 运营 | 晓羽Lily 编辑 | Diana 监制|Amani

出品 | Guower Finance 果味财经「ID：iguowerpro」

主持人李宝宝：

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Q1:首先，DeFi目前在全球数字货币市场，依然是一个热点，虽然整体行情变的理性，但是，用户与投资者依然对于DeFi处于是一个长期看好的状态。那么，请问一下，HARD PROTOCOL在这样一个阶段和行情之中，登陆二级市场，请问对于币价有什么样的影响吗？

Host Li Baobao:

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Q1: First of all,DeFi is still a hot spot in the global digital currency market. Although theoverall market has become rational, users and investors are still in along-term optimistic state for DeFi. So, may I ask, in such a stage and marketsituation, HARD PROTOCOL has landed in the secondary market, what kind ofinfluence does it have on the currency price?

Brian Kerr：

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Kava was DeFi before DeFi was cool. At Kava Labs we led the DeFi market by being the first cross-chain DeFi protocol to launch and we are still the only multi-chain platform that functions in existence. In 2020, the market finally caught up to our DeFi vision and we saw all platforms grow in valuations. With HARD Protocol, I think we are ahead of the market again. Today Eth-only projects like Compound and Aave have billions in total value locked, and their governance tokens are worth over $1 billion USD. HARD has an incredible advantage over these protocols to attract users of much larger crypto assets like BTC, XRP, BNB and others.

HARD currently is a baby, but it has potential to grow dramatically larger than any DeFi protocol that exists today due to its interoperability and ability to serve every crypto community.

Brian Kerr：

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在DeFi很棒之前，Kava是DeFi。在Kava Labs，我们是第一个发布的跨链DeFi协议，从而引领了DeFi市场，并且我们仍然是唯一一个可以正常运行的多链平台。 2020年，市场终于实现了我们的DeFi愿景，我们看到所有平台的估值都在增长。借助HARD协议，我认为我们将再次领先于市场。如今，只有Compound和Aave之类的仅Eth项目已经锁定了数十亿美元的总价值，其治理令牌的价值超过10亿美元。相对于这些协议，HARD具有难以置信的优势，可以吸引BTC，XRP，BNB等更大的加密资产用户。

HARD目前只是个婴儿，但由于其互操作性和服务于每个加密社区的能力，它的潜力可能会比当今存在的任何DeFi协议大得多。

主持人李宝宝：

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Q2:好的，我们回到项目本身， HARD Protocol定位是数字资产跨链货币市场，在技术上建立在KAVA分布式平台上，那么，能否介绍一下KAVA目前的状态和进展，以及其核心创新理念；其次，HARD Protocol解决了目前数字资产领域什么样的用户需求？

Host Li Baobao:

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Q1: Okay, let’s goback to the project itself. HARD Protocol is positioned as a digital assetcross-chain currency market, which is technically built on the KAVA distributedplatform. So, can you introduce the current status and progress of KAVA and itscore innovations? Concept; secondly, what kind of user needs does HARD Protocolsolve in the current digital asset field?

Brian Kerr：

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Kava currently has cross-chain bridges for BTC, XRP, BNB, BUSD and has the potential to support virtually any other asset. In addition, Kava is designed with the most sophisticated validator group operating the nodes of the network – these include Binance, Huobi, Okex, professional infrastructure companies like Figment.Networks and even regulated financial institutions like Deltec Bank, the organization that supports Tether. Kava also has custom adapted Chainlink oracles that provide rapid price updates at speeds much faster than Ethereum, creating a very secure environment for collateral and auctions needed to balance DeFi protocols.

Importantly Kava is a gated, but decentralized platform for DeFi apps. As opposed to Etheruem which allows anyone to deploy a smart contract which ultimately congests the network and creates an environment of many dubious applications – Kava on the other hand, operates like an Apple App Store, thoroughly vetting all applications before allowing them to run on the network. These apps go under audits, thorough reviews by node operators like Binance, Huobi, etc, and must get voted in by KAVA stakers. This makes Kava not a home to DeGen DeFi, but rather the most secure and advanced DeFi applications. This approach is distinctly different from any other platform, but I believe it’s necessary to preserve the resources of the blockchain and create best experience for end-users. No gas fees, no congestion creating oracle failures, only safe working applications.

In regards to HARD, it lives as a native asset on the Kava blockchain and is responsible for governing the parameters of the HARD Protocol. This gives it the power to control collateral ratios, what assets get money markets, and how rewards are distributed. In the Future, HARD may accrue fees collected by the HARD Protocol as well.

Brian Kerr：

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Kava当前具有BTC，XRP，BNB，BUSD的跨链桥，并且几乎有可能支持任何其他资产。此外，Kava的设计还包括操作网络节点的最复杂的验证程序组-其中包括Binance，Huobi，Okex，Figment等专业基础架构公司。Networks，甚至包括支持Tether的组织Deltec Bank等受监管的金融机构。 Kava还具有定制的适应性Chainlink oracle，它们以比以太坊快得多的速度提供快速的价格更新，从而为平衡DeFi协议所需的抵押品和拍卖创造了非常安全的环境。

重要的是，Kava是DeFi应用程序的封闭式，去中心化平台。与以太坊相反，后者允许任何人部署智能合约，该合约最终会阻塞网络并创建许多可疑应用程序的环境，而Kava的运行方式类似于Apple App Store，对所有应用程序进行彻底审查后才允许它们在该应用程序上运行。网络。这些应用程序会受到Binance，Huobi等节点运营商的审核，全面审查，并且必须由KAVA涉众投票。这使得Kava不再是DeGen DeFi的家，而是最安全，最先进的DeFi应用程序。这种方法与任何其他平台都有明显的不同，但是我认为有必要保留区块链的资源并为最终用户创造最佳体验。没有汽油费，没有造成oracle故障的拥塞，只有安全的工作应用程序。

关于HARD，它作为Kava区块链上的本机资产生活，并负责管理HARD协议的参数。这使它有能力控制抵押比率，哪些资产获得货币市场以及奖励的分配方式。将来，HARD也可能会产生HARD协议收取的费用。

主持人李宝宝：

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Q3:HARD Protocol平台整体如何进行运作，相对于其他DeFi平台来说，HARDProtocol在自主创新上，拥有哪些核心竞争力？

Host Li Baobao:

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Q3: How does theHARD Protocol platform work as a whole? Compared with other DeFi platforms,what core competitiveness does HARD Protocol have in independent innovation?

Brian Kerr：

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based applications Compound and Aave, HARD Protocol provides users with the ability to lend, borrow, and earn with their digital assets. Unlike existing applications, HARD Protocol is built on the Kava DeFi Hub enabling it to uniquely provide money market services to non-ethereum assets such as major market cap crypto such as BTC, XRP, BNB, BUSD, and others.

How HARD Protocol works is simple, users can contribute digital assets they have into a pool upon which other users can borrow. In order to borrow from the pool, a user must first lock their own digital assets as pledged collateral to secure the loan. When repaying the loaned assets, the user also must pay interest to the pool of lenders in exchange for the service. In this way, suppliers of assets in the pool generate yields from borrowers on a prorata basis.

In addition, each pool is allocated a certain amount of HARD token rewards. HARD is the governance token of the application responsible for deciding what assets get money markets, where fees go, and what rewards get paid in each pool. Both suppliers and borrowers earn HARD tokens for using the platform. In this way, HARD Protocol will be decentralized, governed, and maintained by its users.

There will only ever be 200M HARD tokens. Those who hold HARD will be able to direct the future of the platform (and accrue any future fees taken) however they desire.

Brian Kerr：

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基于Compound和Aave的应用程序，HARD协议使用户能够使用其数字资产进行借出，借入和赚钱。与现有应用程序不同，HARD协议建立在Kava DeFi集线器上，使其能够为非以太坊资产（例如BTC，XRP，BNB，BUSD等主要市值加密货币）提供货币市场服务。

HARD协议的工作原理很简单，用户可以将其拥有的数字资产投入到其他用户可以借用的池中。为了从池中借钱，用户必须首先锁定自己的数字资产作为抵押品，以担保贷款。在偿还贷款资产时，用户还必须向贷方池支付利息，以换取服务。这样，池中资产的供应商会按比例从借款人那里产生收益。

另外，每个池分配有一定数量的HARD令牌奖励。 HARD是应用程序的管理令牌，负责确定哪些资产能使货币市场，费用去向何处以及在每个池中获得什么奖励。供应商和借款人均会因使用该平台而获得HARD代币。这样，HARD协议将由其用户分散，管理和维护。

只会有2亿个HARD令牌。那些持有HARD的人将能够根据自己的意愿指导平台的未来（并计入未来收取的费用）。

主持人李宝宝：

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Q4:另外，HARD Protocol这一次在中国，拥有了人气，那么，在未来在全球化社区运营上，还有DAO上的运营，有没有一个具体的计划？

Host Li Baobao:

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Q4: In addition,HARD Protocol has gained popularity in China this time. So, is there a specificplan for future operations on the global community and on DAO?

Brian Kerr：

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We have a team in Shanghai and many partners across Hangzhou, Beijing, Shenzhen, HK, and many other cities. The governance token HARD allows these various organization to collaborate and vote on-chain to evolve the application.

Brian Kerr：

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我们在上海设有团队，并在杭州，北京，深圳，香港和许多其他城市设有许多合作伙伴。治理令牌HARD允许这些各种组织进行协作并在链上投票以发展应用程序。

主持人李宝宝：

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Q5: HARDProtocol这一次选择了CEX，也登陆了BitMAX数字资产交易平台，因为，在中国，以及全球多个区域，还有国内社区，喜欢BitMAX的用户，也越来越多。那么，在和BitMAX合作的过程之中，有什么样的感触呢？

Host Li Baobao:

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Q5: HARD Protocolchose CEX this time and also landed on the BitMAX digital asset tradingplatform. Because, in China, many regions around the world, and domesticcommunities, there are more and more users who like BitMAX. So, what kind offeelings did you have during the cooperation with BitMAX?

Brian Kerr：

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While a new platform compared to others that have been around for years, BitMax is innovative and adopts great technologies they find early. I am not only talking about listing, which they have supported KAVA, USDX, and now HARD, but they also take things to the next level. They have integrated HARD money markets directly in the platform so users can supply USDX and HARD on the HARD Protocol without ever needed to use a private wallet, managing keys, or the claiming reward process. This is not an easy task for them to achieve, but they have really created a seamless experience which allows even non-technical users to earn using HARD while keeping their funds safe and sound.

Brian Kerr：

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与已经存在多年的其他平台相比，BitMax是一个新平台，它具有创新性，并采用了他们早日发现的出色技术。我不仅在谈论上市，他们已经支持KAVA，USDX和现在的HARD，而且他们还将事情推向了新的高度。他们直接在平台上集成了HARD货币市场，因此用户可以在HARD协议上提供USDX和HARD，而无需使用私人钱包，管理密钥或要求奖励的过程。对于他们来说，这不是一件容易的事，但他们确实创造了无缝的体验，即使是非技术用户也可以使用HARD赚钱，同时又能确保他们的资金安全无虞。

主持人李宝宝：

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Q6:作为行业的创业者，目前分布式技术正在全球大爆发，全球各国的央行也开始研究和发行数字货币，很多人认为这是一个朝阳行业。在2020年DeFi彻底的点燃了市场，和投资者热情，那么，我想问一下，你认为未来1年，甚至是3年DeFi的发展趋势会是什么样的？其次，对于投资者投资DeFi数字资产，有什么样的一个建议？

Host Li Baobao:

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Q6: As anentrepreneur in the industry, distributed technology is currently explodingglobally. Central banks around the world have also begun to research and issuedigital currencies. Many people think this is a sunrise industry. In 2020, DeFihas completely ignited the market and the enthusiasm of investors. Then, Iwould like to ask, what do you think the development trend of DeFi will be inthe next one or even three years? Second, what kind of advice do you have forinvestors to invest in DeFi digital assets?

Brian Kerr：

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Applications like HARD Protocol have the potential to grow into the trillions if central bank digital currencies become a reality. Regardless of if this happens or not, the crypto industry alone with BTC, XRP, and other assets provides plenty of collateral to grow HARD Protocol into a a huge application in terms of total value locked.

I think over the next few years, we will see crypto exchanges, banks, fintech apps, and others integrate HARD Protocol to bring their users better returns than they could offer on their own. We will see more CeFi+DeFi integrations and collaborations in the years to come. I think it will be the primary driver of growth in the industry.

Brian Kerr：

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如果中央银行数字货币成为现实，像HARD Protocol这样的应用程序就有可能增长到数万亿美元。无论是否发生这种情况，就加密总价值而言，仅凭BTC，XRP和其他资产的加密行业就为将HARD协议发展成为一个庞大的应用程序提供了大量抵押。

我认为，在接下来的几年中，我们将看到加密交易所，银行，金融科技应用程序以及其他集成了HARD协议的应用程序，能够为用户带来比他们自己提供的更好的回报。在未来的几年中，我们将看到更多的CeFi + DeFi集成和协作。我认为这将是该行业增长的主要动力。

主持人李宝宝：

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Q7:当然，您是第一次走进中国社区，这一次AMA的话，覆盖了很多中国行业创业者，这些都是顶尖的行业创业者，所以，我们社区的小伙伴都十分的开心。那么，还想问一个问题，在整个DeFi大爆发之后，去中心化保险、去中心化信托、以及去中心化稳定币等待，都是一个趋势。那么，我想问一下，你认为未来数字资产领域的发展，什么样的板块，什么的模式会再一次爆发，形成热点？

Host Li Baobao:

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Q7: Of course, thisis the first time you have entered the Chinese community. This time the AMAcovered many entrepreneurs in the Chinese industry. These are the top industryentrepreneurs. Therefore, the friends in our community are very happy. So, Ialso want to ask a question. After the entire DeFi explosion, decentralizedinsurance,Decentralized trustand decentralized stable currency waiting are both trends. So, I would like toask, what kind of sectors and models do you think the future development of thedigital asset field will explode again and become a hot spot?

Brian Kerr：

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I think assets custodied by exchanges will explode in the DeFi space. BTCB (binance), HBTC (Huobi), and the same for all the other assets. These assets transact fast, are great collateral, and can be given to users easily in a seamless experience because not slow BTC tx is needed. I think we will see centralized exchanges become massive custodians offering alternatives to wBTC.

Insurance is another great category that will grow massively. I think bringing new assets on chain, such as fiat currency, houses, art – will be the critical shift which will make blockchain technology truly replace existing systems. It will be many years for this to happen, but given the developments thus far in the industry, I am sure we will get there. I am also sure that what we are building at Kava Labs will serve that future and play a critical role in decentralized finance.

Brian Kerr：

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我认为由交易所托管的资产将在DeFi领域爆炸式增长。 BTCB（币种），HBTC（火币），所有其他资产都相同。这些资产的交易速度很快，是很大的担保，并且可以轻松获得无缝体验，因为不需要慢BTC tx。我认为我们将看到集中交易所成为提供wBTC替代方案的大型托管人。

保险是另一个巨大的类别，它将迅速发展。我认为，将新资产（如法定货币，房屋，艺术品）引入链上将是至关重要的转变，这将使区块链技术真正取代现有系统。要实现这一目标将需要很多年，但是鉴于该行业迄今为止的发展，我相信我们一定会实现的。我也确信，我们在Kava Labs建立的产品将为未来服务，并在分散式金融中发挥关键作用。

主持人李宝宝：

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Q8:好的，HARD Protocol已经成功登陆了二级市场，那么，对于投资者和用户来说，依然十分关注HARD Protocol未来的一些发展。能否介绍一下未来6个月内，HARD Protoco的发展规划？

Host Li Baobao:

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Q8: Okay, HARDProtocol has successfully landed in the secondary market, so investors andusers are still very concerned about the future development of HARD Protocol.Can you introduce the development plan of HARD Protoco in the next 6 months?

Brian Kerr：

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HARD V1 has launched and already has ~$10M in total value locked in the platform. V1 includes the capabilities to supply assets like USDX, KAVA, BNB, and HARD. In this release, the distribution of HARD governance tokens and rewards is programmatically built. In V2 which is scheduled to release at the end of December, the full version of the money markets will be available - the V1 supply function as well as new borrow functions for each money market. V2 will be the “complete” application. From there HARD will simply be growing by adding more assets to the platform. We expect in the long run the governance will evolve and expand to meet the needs of the market.

actually its higher, $12M in hard now

Brian Kerr：

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HARD V1已启动，该平台已锁定约1000万美元的总价值。 V1包括提供资产的功能，例如USDX，KAVA，BNB和HARD。在此版本中，以编程方式构建HARD治理令牌和奖励的分发。在计划于12月底发布的V2中，将提供完整版的货币市场-V1供给功能以及每个货币市场的新借入功能。 V2将是“完整的”应用程序。从那里开始，通过向平台添加更多资产，HARD将会简单地增长。我们预计，从长远来看，治理将不断发展和扩展，以满足市场需求。

实际上更高，现在要付出1200万美元。

主持人李宝宝：

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Q9:最后一个问题，大家共处数字货币市场，那么您能否分享一下您自己的投资经验，以及目前数字资产的配置与分配？您对于投资者，有什么样的一些投资建议，特别是未来1年。另外，您认为BTC未来的趋势会是什么样的？

Host Li Baobao:

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Q9: Last question,everyone is in the digital currency market, so can you share your owninvestment experience, and the current allocation and distribution of digitalassets? What kind of investment advice do you have for investors, especially inthe next year? In addition, what do you think will be the future trend of BTC?

Brian Kerr：

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As an entrepreneur and found, I of course has a very unbalanced portfolio with most of my networth tied to Kava Labs, KAVA tokens, HARD, and my previous company Fnatic.

As for personal investments, the only crypto assets I have meaningful positions in are BTC, BNB and AKT. I am long BTC due to the macro environment. I use BNB to supply KAVA & HARD to earn returns. As for AKT, (AKASH NETWORK) I believe it’s a wonderful technology that has a moonshot of competing with Amazon AWS. I love ambitious teams that can prove to me they can build new technologies and Akash has definitely proved that to me. In public markets, I hold a bit cash to be active if opportunities show up, I own some gold/silver miners to diversify my view on inflation away from just Bitcoin. Lastly, I currently have several puts on public companies that I believe have too much debt and will suffer in the near term.

Note: Overall, the public market positions make less than 5% of my portfolio. Most is currently in the different crypto I have mentioned above.

As for BTC long term trends? I'm always long BTC。

Brian Kerr：

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作为一名企业家，我当然拥有非常多元化的投资组合，我的大部分净资产都与Kava Labs，KAVA代币，HARD和我以前的公司Fnatic有关。

至于个人投资，我唯一拥有有意义头寸的加密资产是BTC，BNB和AKT。由于宏观环境，我长期以来一直是BTC。我使用BNB供应KAVA＆HARD以赚取回报。至于AKT（AKASH NETWORK）（AKT目前上线在BitMax上），我相信这是一项与Amazon AWS竞争的绝妙技术。我喜欢雄心勃勃的团队，可以向我证明他们可以构建新技术，而Akash无疑向我证明了这一点。在公开市场上，如果机会出现，我会持有少量现金以保持活跃。我拥有一些黄金/白银矿商，以使我对通胀的看法不仅限于比特币。最后，我目前对上市公司有几种看跌期权，我认为它们负债过多，并且短期内会遭受损失。

注意：总体而言，公开市场头寸仅占我投资组合的5％。目前大多数都在我上面提到的不同加密货币中。

至于BTC的长期趋势， 我一直看多BTC。