本周二，我们在 Kriptobi 社区的官方电报群举办了一场精彩的 AMA，开启了我们在 Dank 未来生态上的旅程。 我们很快将上线 Dank 的借贷协议和基于 Dank 协议的原生固定利率协议。
在 Kriptobi Dank 的 AMA 中，我们的社区总负责人和欧美地区的社区负责人介绍了 Dank Protocol 的产品功能和未来规划与目标，以及对我们原生的 NFT，DANK-PUNK 的未来展望。
以下内容为 AMA 的内容概述：
Kriptobi Dank AMA
嘉宾：
Katherine，Community Lead
Alejandro，Community Development (European American)
Katherine：
Hello, Im Katherine, community lead of Dank Protocol. Thank you for having us.
大家好，我叫 Katherine。是 Dank Protocol 的社区负责人。谢谢邀请我们来到这里做 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.
大家好，我叫 Alejandro，是 Dank 社区发展的一份子，很高兴在今天的 AMA 和你们见面。
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?
可以简单介绍一下 Dank Protocol 吗？你打算在这个领域做什么和解决什么问题？
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. Danks 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.
当然可以！Dank 是一种基于以太坊的无需许可开源借贷协议，旨在解决 DeFi 市场资金效率低下的问题和构建固定收益市场。Dank 的根本目标是让所有有价值的加密资产获得多元化的金融服务，创造可持续发展的科技金融基础。
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.
众所周知，随着 DeFi 的成熟，过度的投机和不确定的收益是难以维持持续性的发展的，我们团队也一直在思考如何让 DeFi 可以真正的可持续发展，所以接下来我们会致力于帮助更多的人获得稳定的和可持续的收益基础设施。
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 ?
可以请你介绍一下 Dank Protocol 的产品吗？你们的主要特点是什么，使你们与其他竞争对手不同，有哪些竞争优势？
Katherine：
As mentioned before, Dank is an open-source decentralized lending protocol. Broadly speaking, anyone can operate, build, and integrate Dank without restrictions.
如上文所说，Dank 是一种无需许可的开源借贷协议，广义上来说任何人都可以毫无无限制地使用、构建和集成它。
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 协议的底层借贷和 Comp、AAVE 是一致，也就是可变利率的借贷协议，任何人都可以存取或者借还自己资产来获得浮动的利率。
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.
不同于 COMP 和 AAVE 的，DANK 更专注于固定的利率、资金效率和利率的衍生品的市场，同时 DANK 提出基于浮动利率市场的远期利率合约掉期模型，用户可以随时释放 d-token 的远期收益，获得即时固定收益。
My colleague Alejandro will be giving us an example of our protocol in a moment.
下面请我的同事 Alejandro 来给大家举个例子。
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
我来举个例子来说明一下我们协议的动机和方向，Bob 在 DANK 协议存入 1ETH，那么 Bob 也会收到由 DANK 协议铸造的存款凭证：1 d-ETH。
D-Eth is the same as C-Eth (Compounds deposit certificate), which represents the certificate of Bobs 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 的存款凭证）一样，代表着 Bob 本金存款和浮动的收益的凭证，此时持有的 d-ETH 的 Bob 除了等待不确定的收益，似乎什么也干不了。事实上的，我们发现持有 d-ETHD 的 Bob 完全可以好好利用这个头寸，思考一下，如果将 d-ETH 的属性进行铸造和拆分，即 Bob 将他的 d-ETH 拆分为本金 token+收益 token，那这时 Bob 的就有了灵活的资产管理方式了。
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.
基于零息债券的原理，Bob 可以在不放弃基础本金收益权的前提下，折价卖出他自己的本金 token，从而获得更高的资金效率。
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.
如果可变利率市场在未期积极，那么 Bob 可以在市场信心积极的情况下，提前释放自己的收益 token
Bob does not sell his own principal token and income token, and engages in the business of providing liquidity based on the existing Danks Fixed Rate Market, earning more handling fees.
Bob 不出售他自己的本金 token+收益 token，在基于现有的 Danks Fixed Rate Market 上面从事提供流动性的生意，赚取更多的手续费。
Simply put, if Bob wants stable or guaranteed income, then Bob can take his income rights in advance and sell them to the market (Danks 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.
简单而言，如果 Bob 想要的稳定的或者确定的收益，那么 Bob 可以将他的收益权提前打包卖给市场（Danks Fixed Rate Market）来获得固定的收益，而不需要担心收益浮动的烦恼；另一方面，他想要获得更高的资本效率，那么他的本金凭证可以随时折价卖给市场。
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?
除了借贷协议，我们知道 Dank Protocol 还有固定利率产品。 固定利率在传统金融行业占有很大的市场。 您认为固定利率在 De-Fi 市场的发展前景如何？
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 worlds top financial institutions are working in secret towards blockchain acceptance to integrate into financial markets and applications.
固定利率或者固定收益在全球范围的传统金融市场占据了非常重要的地位，如果你不了解，我们可以去看看美国国债的体量，就能清楚的认识到这个庞大的市，美国国债目前体量是 28 万亿美元。同样的，在 DeFi 接下来的市场也是一样的，特别是当下全球顶级的金融机构都想偷偷合规区块链金融和应用以试图从事这样的生意。
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 ?
今年很多人已经对 NFT 产生了浓厚的兴趣而且已经变得非常火。 你们项目中的 NFT 领域有哪些发展？
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！关于 NFT 其实我们很早知道，特别是 2017 年的加密猫！那时候是 NFT 的第一次在公众面前展示他的魅力
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.
随着时间的增长，NFT 的发展给整个加密带来更多的可能性，特别的艺术品、身份信息、游戏、票据凭证等等。我们也发行了一个我们自己的 NFT，叫做 DANK-PUNK。目前 DANK 协议对于 NFT 的定义更多是实用性上面，因为 DANK 协议本身是金融的基础设施。
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
我们希望依托在这种底层上去构建纯粹的象征、链上身份以及未来的信用基础。关于 DANK-PUNK 的定义，我们希望是一个社区化的过程，而不是我们团队去总结和定义它，我们当然有很多想法，但是更希望这是一个社区去主导的文化产物。关于 DANK NFT 的一些简要的描述可以参照这个链接：https://medium.com/dank-protocol/dank-nft-attributes-9fa1c7603bd0
If you have any ideas or comments about our NFTs, feel free to contact us!
顺便一提，如果有对我们的 NFT 有建设性的想法的朋友，欢迎来和我们联系！
Kriptobi 主持人：
Can you talk about tokens ? What are the benefits for investors in holding tokens ? What are the usage areas ?
你能谈谈代币吗？ 投资者持有代币有什么好处？ 有哪些使用领域？
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，我知道有很多人关注这个。但很抱歉代币的细节暂时还没披露，但我们会很快推出相关的细节，一旦我们确定了就会马上公开！保持关注！
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 协议的原生治理代币，未来的主要用途是协议的治理，包括：委托、投票、参数设置、收入转让、协议升级等。
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.
在加密领域的短暂历史上有足够多的案例，长期主义才是投资的本质。对于那些投资的长期主义者，在未来会收获更多的利润空间，总的来说很大程度上治理代币的价值反映了社区和协议的共识价值。
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 ?
最后，Dank Protocol 的开发进展如何？ 您能描述一下目前的发展状况、市场扩张计划、预期应用吗？ 未来等待我们的是什么？
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 从过去几个月一直在研究固定利率相关的模型、新协议开发和 Layer 2，事实上还不止这些。
At this time, DANKs 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 的基础借贷即将上线，透露下一下，我们将代码提交给 Certik 审计了，在等待审计机构最后的报告。
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.
另外我们的固定利率 Demo 已经公开了，在完善细节和相关安全审计测试后，固定利率协议我们预计会在十月中旬左右上线。
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.
市场计划这里，目前 DeFi 借贷和收益头寸的市场规模大约有 500 亿美金的市场，在下一个阶段我们更清楚，固定利率市场的出口会更大。PR 方面，我们目前已经开始在全球范围开始做品牌的计划了，下一步是社区的建设和一些战略合作关系，未来我们会和更多社区分享关于 DANK 的产品。
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.
而且我们有计划想在各个地区找到类似节点的社区负责人，负责当地 Dank 社区建设和线上线下的活动安排。如果有兴趣的话欢迎联系我们。
Ale：
For future applications, we hope that DANK will be integrated by more third parties, credit loans, identity vouchers, etc.
未来应用这里，DANK 会被更多的第三方集成、信用贷款、身份凭证等。
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.
对于未来，就目前而言 DeFi 已经是的不可阻挡的趋势了，DeFi 已经是一种继互联网技术后最大金融技术革命，未来可能不大可能存在如花旗、摩根、高盛这些中心化的银行，更多的是类似于 DANK、Compoud、AAVE 等。
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!
再次宣传一下~如果想知道我们项目或者未来发展的朋友欢迎加入到我们社区了解更多哦。期待在我们社区与你见面！
以下为抽取回答的五个社区问题：
Audience （观众）：
Q1. A lot of scam projects lately. Pulling the rug creates a loss for investors. why should we trust your project? Arent you going to do the same?
Q1. 最近诈骗项目很多，投资者带来损失。 我们为什么要相信你的项目？ 你们会也这样做吗？
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.
市场上有很多众所周知的垃圾币，伴随着暴涨暴跌的炒作，我们非常清楚这一点。 我们为 DANK 成为借贷协议市场的强大竞争对手而感到自豪。 我们的目标是与 AAVE、Compound 等协议竞争。 像 Doge、Shiba inu 和 Safemoon 这样的 Shitcoins 没有效用，通过投机和炒作获得价值。
Audience （观众）：
Q2. Can you tell us the 1-2 great features that stand out from Dank Protocol competitors?
Q2. 你能告诉我们从 Dank Protocol 竞争对手中脱颖而出的 1-2 个很棒的功能吗？
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 与同领域其他公司（如 Comp 和 AAVE）的主要区别在于，Dank 更面向固定利率、资本效率和利率衍生品市场。
Audience （观众）：
Q3. Hello Sir, Do you have AUDIT certificates? OR Are you working to AUDIT your project, to make it more secure and reliable?
Q3. 你好，你们有审计报告吗？或者是否正在努力审核您的项目，使其更加安全可靠？
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，正如我们提到的。 我们已将代码提交给 Certik 进行审核，正在等待该机构的最终报告。 我们对此充满信心。
Audience （观众）：
Q4. How important is the community to you? While you build your project, do you consider community reactions and demands?
Q4. 社区对您来说有多重要？ 在您构建项目时，您是否考虑过社区的反应和需求？
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.
社区就是我们的一切！ 没有社区的支持和兴趣，我们就不会走到今天。 我们在社交媒体渠道上始终非常活跃。 加入我们的 Discord 频道和电报群给我们反馈！ 我们总是很乐意听取社区的意见并改进 DANK。
Audience （观众）：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?
Q5. 您是否打算在非英语国家 / 地区推广您的项目？ 您是否有当地社区让他们更好地了解您的项目？
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!
是的，我们计划在每个可能的地区推广 DANK。 我们的 Discord 群组中有 10 个语言频道！ 包括俄语、西班牙语、中文、葡萄牙语等。 我个人会说英语、西班牙语和普通话！
关于 Dank Protocol
Dank 是一种基于以太坊智能合约的免许可开源借贷协议，旨在解决 DeFi 市场资金效率低下的问题，构建固定收益市场。Dank 首次提出了基于浮动利率市场的远期利率合约掉期模型，它允许任何使用该协议的用户获得可变利率。用户还可以随时释放 d-token 的远期收益，获得即时的固定收益。Dank 的终极目标是让所有有价值的加密资产获得多元化的金融服务，为科学和金融创造可持续发展的基础。
更多关于 Dank 的信息，请访问：
Official Website 官网 : https://dank-protocol.com/
Twitter 推特 : https://twitter.com/Dank_Protocol
Telegram 电报：http://t.me/DankProtocol
Discord: https://discord.gg/3gZKTsZh
