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“Algorithm + Credit” Rebuild the Value Foundation of DeFi

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5 years ago

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DeFi still has higher attention, with rapid technological innovation and continuous expansion of application scope, The goal of DeFi is undoubtedly to build a more effective, free, and transparent financial ecology. However, finance always develops with money and brings value exchange. Therefore, whether it is a decentralized scenario or a mass application toward reality in the future, stable cryptocurrency is crucial for users, so as to realize the dream of making virtual ideas become reality.

For this reason, in the field of cryptocurrency, many teams have been exploring stable currency. According to CryptoQuant data, stabilecoin holdings on global crypto exchanges hit a high record of $9.8 billion as of March 28, 2021. At the same time, the total stable currency market capitalization once topped $80 billion, according to CoinGecko, the current daily trading volume of all stable currencies is about $118.340 billion. Also, CoinMarketCap shows there are 16 mainstream stable currencies now.

The stable currency is illusory?

In general, both USDT and DAI are still on their way and haven’t really achieved the goal of “stable currency”. Tether’s White Paper said: “Tether is a decentralized cryptocurrency, but we are not a perfectly decentralized company. We store all of our assets as a centralized pledge.” Therefore, USDT is just borrowing the name of the cryptocurrency, but it is not really decentralized.

DAI, developed by MakerDao, is the largest decentralized stable currency on Ethereum. It is issued with the guarantee of the full amount of assets on the blockchain. It is only generated in the application scenario based on the mortgage, and the market value of the mortgage assets is the ceiling of it. Therefore, these stable currencies are illusory in a sense.

Will algorithmic stable currencies finally fail?

Now let’s take a look at the development process of algorithmic stable currencies, known as the holy grail of cryptocurrency. From stable currency1.0 represented by AMPL, stable currency2.0 represented by Basis Cash to stable currency 3.0: Frax Finance, all of them have gone through a period of growth. However, the stable currency reality is that we live under the sense of “ever-changing”, and stable value is still in the ideal.

AMPL algorithmic stable currency is used to increase or decrease the supply of AMPL in order to keep the price of AMPL around $ 1. Ampleforth uses Rebase operation to change the AMPL held by all users as a whole. The Rebase price is based on the average price of the past 24 hours. When this price is above $1.05, the AMPL balance in all users’ wallets increases simultaneously. At prices below $0.95, all users’ AMPL balances decrease simultaneously. During this process, the percentage of AMPL held by users in the supply does not change. It looks like everything is fine on its own, but when the price of cryptos falls to the point where deflation is needed, both the quantity and price of coins held by users are falling, so users face a double whammy.

So it’s easy to create a death spiral. Similarly, when crypto price rises, it is easy to create an upward death spiral. Thus it can be seen that this price model only has two possibilities: the price continues to fall, get into the infinite death circle and leave the market, and the price rises steadily to around 1USDT; Prices rising, the AMPL has been printing (dividend), AMPL reserve disappeared, crypto began to value return, people in loss cannot gain AMPL, prices will fall back near 1 USDT (need funds continue getting into the market), so it is difficult to see AMPL achieve speculation, meanwhile achieve stability, And stability is a necessary condition for a stable currency.

Basis Cash, as represented by 2.0, includes three tokens, Basis Cash (BAC), Basis Share (BAS), and Basis Bond (BAB), among which BAB is non-transferable. The BAC is the stable currency, anchored to $1; BAS is an equity token, and newly-minted BAC tokens can be allocated. BAB is a bond. There is nothing wrong with Basis Cash based on the algorithm itself, but without a good application scenario, relying on the debt market itself is dangerous. There is actually a problem with debt financing in traditional markets, where those “too big to fail” entities can take on the risk of impunity through socialized bailout costs. It is entirely possible that Basis Cash could go into a debt spiral, in which case there would be no willing contributors, the debt would accumulate and the protocol would collapse.

Finance FX is the first partial algorithmic stable currency project, adding the concept of using “partially stable” as a collateral asset to the existing algorithmic stable currency. There are two types of tokens in Frax, the stabilization token Frax, and the governance token FXS. Frax costs USDC and FXS, but only USDC during creation. The initial mortgage rate is 100%, that is, all USDC mortgage is used to cast FRAX. After that, the mortgage rate will be adjusted every hour. If the price of FRAX is more than $1, the mortgage rate will be reduced and FXS ‘share in it will be increased. Raise the mortgage rate if the Frax falls below $1. The mortgage rate is adjusted every hour by 0.25% each time. But its high mortgage ratio leads to the lack of user appeal, its currency numbers and market supply have been stagnant.

Although the above three generations of stable currencies seem to be making breakthroughs and innovations, they do not give a satisfactory answer on how to solve the credit problem. However, algorithm stable currency that cannot solve the credit problem is useless. Bitcoin came into being to solve the problem of credit, but the stable currency, as an important extension of its development, has not inherited the legacy of credit, and is still stuck in the algorithm.

Crypto Credit Network (CCN)

In the financial field, credit is the foundation and the lifeblood. This is true of both traditional and modern financial systems. In the traditional financial system, credit mainly relies on the guarantee of laws and institutions. Apart from the high operation cost, the “credit crisis” gradually exposed by financial intermediaries is the fundamental reason why people urgently embrace the blockchain technology. Algorithm stable currency is going to help cryptos solve the credit problems, guaranteeing machine credit by algorithm, which does not rely on third-party subjective will and makes transaction transparent, efficient, reliable, and stable, let people who do not have to establish credit relationship between each other to achieve cooperation and free trading, reduce the cost of credit.

However, the world of blockchain cryptocurrency is a chaotic existence without a role name. To change from chaos to brightness, each individual needs to have his or her own identity, so that we can obtain the faith like phoenix nirvana. The CCN gives each individual a unique CID (Crypto Identification), which is the most basic rule in the Crypto world. To build a new crypto world of order, autonomy, and equality.

The construction of CCN not only takes blockchain technology as support, but also has a reasonable economic incentive mechanism. Reasonable use of incentive mechanism is an effective means to stimulate all parties to participate in the construction of CCN.

A sound incentive mechanism, reasonable mechanism design from the perspective of leading efficiency and fair governance, can make the value generated by credit information flow effectively to the value provider in the blockchain world, punish the evil behavior, and resolve the conflict between individual interests and collective interests. It makes the individual’s behavior of pursuing individual interests unified with the goal of maximizing collective value.

Therefore, CCN can further clarify the economic interests of each participant and the overall interests of the network, so as to fully mobilize the enthusiasm of each participant and guarantee great development of CCN from the source.

The CCN consists of three different identities: Creator, Guardian, and Angel, all of them have established screening mechanisms. Only firm believers can obtain the CCN identity. Early believers are required to contribute to maintaining the stability of early CCN by burning GAC tokens. Therefore, they are not only holders of GaeaCoin, but also determined preachers and builders. When GaeaCoin issues additional shares, it will also receive a corresponding percentage of GAC tokens as a reward.

The establishment of this system aims to provide every GaeaCoin participant with the opportunity to contribute to the community construction, and to create a healthy crypto community culture of dedication and autonomy through consensus, symbiosis, co-construction, and sharing.

In CCN, although the identity is different, the residents on the chain of CCN build the initial transaction link according to their CID address, and constantly expand CCN on the chain. Open CID needs to be recommended by the network resident, once the link is formed, it cannot be changed forever. Each of the three different identities requires a different number of GAC tokens to burn, which can be viewed on the GaeaCoin network. GaeaCoin network residents have different rights according to their status.

The integration with the DEX: OxySwap has pioneered a full range of applications

There is a natural interdependence between exchange and stable currency. The exchange has always been an important part of crypto digital asset market, and it is also the first application place of stable currency. Like Binance with BUSD and Huobi with HUSD, OKEx also launched USDK on June 3, 2019. Traditional CEXs are fiat currencies, where fiat currencies are exchanged for cryptos. If you want to buy crypto digital assets, you need to top up fiat currency, which undoubtedly increases the economic and time costs of investors in the process of exchange. The emergence of a stable currency can not only solve the above problems but also effectively avoid legal risks in the process of the transaction.

As it should be, the integration of GaeaCoin ecology and OxySwap not only lay a solid foundation for stable currency: GAC token application, but also creates opportunities for it to open up more and wider application scenarios.

OxySwap is a decentralized exchange running on the BSC with a collection of DEX liquidity mining, which offers functions of exchange, liquidity, market making, and so on. The strength of OxySwap guarantees the usages of the stable currency: GAC.

GAC will lead a brighter way

GaeaCoin algorithm stable currency: GAC dares to face the challenge, according to the industry news, GAC praises is not only relatively stable from the concept, but also to really put into application. In addition to GAC (GaeaCoin), GaeaCoin ecology also includes GAB (GaeaCoin Bond) and GASH (GaeaCoin Share), which serve to maintain the stability of GAC. GaeaCoin Ecology also integrates GaeaCoin protocol, algorithm, robustness, price response, encryption, and other technologies, superposed with the DeFi ecology of Crypto Credit Network (CCN), OxySwap (DEX), and so on, providing a realistic solution for GAC, and leads it to move towards the real “stability”.

The integration of CCN and OxySwap points out the direction for the application of algorithmic stable currency. In fact, we can already feel the power of the GaeaCoin algorithm stable currency, and once it is used at a large scale, the ideal stable currency is expected to arrive ahead of time. DeFi will also build on this basis, using currency, lending, spot trading, and other components to build continuously upgraded Lego of DeFi.

GaeaCoin’s move directly challenges the world’s centralized stable currency giants such as USDT and USDC, but compared to the previous challenges of AMPL, BAC, and FRAX, this well-prepared challenge looks more anticipated!

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Alex Jacob

Alex Jacob is a literature author. He was born in Chicago. Alex passion is writing news articles. He writes number of articles and published it.

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Press Release

Former IRS Auditor Launches Trustber, a CPA Firm Focused on Audit-Defensible Tax Planning

Published

25 minutes ago

on

February 5, 2026

By

Trustber introduces a planning-first, compliance-driven advisory model for high-income individuals and small businesses.

Austin, Texas, United States, 5th Feb 2026 – Trustber, a modern CPA firm founded by former IRS Revenue Agent and Certified Public Accountant Olu Oyewale, today announced its official launch with a singular focus: helping high-income individuals and small businesses design audit-defensible tax strategies through proactive planning, clean financial systems, and compliance-first advisory.

 

Unlike traditional tax practices that emphasize seasonal tax preparation, Trustber separates tax strategy from tax filing, offering clients year-round planning services built around structure, documentation, and long-term optimization.

“Most taxpayers don’t overpay because they miss deductions,” said Olu Oyewale. “They overpay because no one helped them design a strategy before the transactions occurred. Trustber was built to change that.”

Trustber’s methodology is shaped by Olu Oyewale’s experience inside the Internal Revenue Service, where she evaluated tax returns, documentation, and taxpayer systems. That insider perspective informs the firm’s emphasis on defensibility – ensuring that tax positions are supported by proper classification and documentation.

“Trust is earned through clarity and defensibility,” Olu Oyewale added. “Our mission is to help clients feel confident about their numbers, not hopeful.”

Trustber provides proactive tax planning, audit-readiness assessments, clean and compliant bookkeeping, entity optimization, and cost segregation advisory. The firm primarily serves high-earning professionals, entrepreneurs, and real estate investors nationwide.

For more information, visit https://www.trustber.com/.

About Trustber

Trustber is a modern CPA firm built on the belief that confidence in finances comes from planning, structure, and defensible compliance. Founded by former IRS Revenue Agent, CPA, and CMA Olu Oyewale, Trustber helps high-income individuals and small businesses move beyond reactive tax filing toward proactive, audit-defensible tax strategy and clean financial systems.

 

Media Contact

Organization: Trustber

Contact Person: Olu Oyewale

Website: https://www.trustber.com/

Email: Send Email

City: Austin

State: Texas

Country:United States

Release id:41028

The post Former IRS Auditor Launches Trustber, a CPA Firm Focused on Audit-Defensible Tax Planning appeared first on King Newswire. This content is provided by a third-party source.. King Newswire makes no warranties or representations in connection with it. King Newswire is a press release distribution agency and does not endorse or verify the claims made in this release. If you have any complaints or copyright concerns related to this article, please contact the company listed in the ‘Media Contact’ section

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Press Release

Jaca Opens $5M Series A Funding Round to Scale First Mainstream Allulose Brand Addressing $22 Billion Sugar Alternative Market

Published

25 minutes ago

on

February 5, 2026

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Celebrity Partnership with Howie Mandel and World-Class Advisory Board with 200+ Combined Years from Coca-Cola, Walmart, and UNFI to Drive National Expansion of Revolutionary Sugar Replacement

United States, 5th Feb 2026 – Jaca, the first mainstream allulose brand delivering 100% taste parity with conventional sugar and having 90% fewer calories, today announced the opening of its $5 million Series A funding round at a $20 million pre-money valuation. The company is seeking investment from accredited investors to accelerate national market penetration of allulose, a rare, naturally-occurring sugar that 85% of Americans have never heard of, directly addressing the urgent need for a metabolically safe sugar replacement in a market where obesity-related healthcare costs including indirect economic impact exceed $1.79 trillion annually.

The raise positions Jaca to capitalize on a rapidly closing first-mover window. While 77% of Americans actively seek to reduce sugar intake, conventional sugar maintains 95% market dominance due to taste superiority over existing alternatives. Allulose represents the first molecular equivalent to sucrose (meaning it tastes like traditional sugar) with zero glycemic impact (making it Diabetic & Keto friendly), FDA GRAS approval, and clinical validation for activating GLP-1 appetite control pathways and fat-burning mechanisms.

“Jaca represents the rare convergence of blue-ocean market opportunity with de-risked execution,” said Pete Ferrari, Founder and President of Healthy For Life Foods. “We’ve established compelling commercial traction, including a 13.79% repeat purchase rate versus the 3-5% industry average and Amazon bestseller status, while realizing zero major brand competition. Our proprietary AI-native customer acquisition infrastructure is something not seen across the entire eComm industry and this meets our product portfolio at the precise moment consumer health consciousness is reaching critical mass.”

AI-Native Technology Infrastructure 

Jaca has deployed the Joint Adaptive Capture Architecture (JACA). This is an AI-powered intent capture and customer acquisition system comprising more than 200 search-optimized pages across 14 schema types, 5 authority engines, and 4 optimization disciplines. The architecture positions Jaca for traditional search (SEO), generative engine optimization (GEO), answer engine optimization (AEO), and large language model optimization (LLMO), future-proofing organic customer acquisition against the AI revolution.

The company was selected as 1 of only 50 organizations to participate in Oracle’s NetSuite Accelerator Program, implementing full API integration with Shopify, Amazon, financial institutions, and supply chain providers since Day 1. This enterprise infrastructure ensures data integrity, operational scalability, and financial transparency from inception. This is a critical differentiator for strategic partners.

Celebrity Partnership Drives Mass Market Credibility

Jaca’s partnership with Howie Mandel – entertainment icon and health advocate – provides unparalleled national awareness and retail credibility. The collaboration includes 2,500+ media placements spanning streaming channel platforms, billboards, and podcasts, alongside the branded anthem “Sweet Like Jaca” on Spotify. Mandel’s authentic health journey resonates with the 74% of Americans struggling with weight management, translating celebrity influence into measurable commercial traction.

World-Class Advisory Board Spans Coca-Cola, Walmart, Ocean Spray, and JP Morgan

Jaca has assembled a Senior Leadership Council representing over 200 combined years of executive presence across regulatory affairs, distribution, product development, private equity, and financial strategy, including: the former Chief Science Officer at Coca-Cola, with advisory roles at the FDA, USDA, and CDC, providing regulatory and scientific authority, a Senior Vice President at UNFI (the largest U.S. natural grocery products distributor) delivering distribution and retail expertise, the inventor and category creator of Craisins for Ocean Spray with 40+ years of food and beverage expertise, the Founder and CEO of a Private Equity firm versed in M&A strategy, and, a Wharton MBA who established JP Morgan’s Southeast Asian operations and served as economic advisor to the Kingdom of Thailand.

Capital Will Prioritize Advertising  

The $5 million Series A monies will be strategically deployed across five key areas: 67% toward advertising and customer acquisition; 13% for payroll and talent expansion; 9% for inventory and supply chain optimization; 8% for general and administrative operations; and 3% for R&D and product innovation. The capital structure is designed to support robust projected revenue growth over the next 3 years.

Purpose-Driven Ecosystem  

Beyond product innovation, Jaca has invested more than a year in developing the SuperSelf Lifestyle Enrichment Program, a comprehensive suite of free health and wellbeing resources including a podcast series and four educational modules covering lifestyle audits, nutrition, fitness, and metabolic analysis. The goal is to help everyone, everywhere, find a pathway to better Health & Wellbeing.  

The company’s established 501(c)(3), The Foundation for Nutritional Equality, combats child hunger in America and a portion of Jaca’s profit supports this truly meaningful endeavor.

About Jaca

Jaca is the first mainstream allulose brand delivering 100% taste parity with conventional sugar having 90% fewer calories and zero glycemic impact. The company’s diversified product portfolio spans granulated rare sugar, ready-to-drink beverages, energy products, and functional wellness SKUs. Headquartered in Florida, Jaca combines proprietary AI-native customer acquisition infrastructure with a celebrity partnership, world-class advisory board, and purpose-driven community ecosystem. The company is positioned to capture a large piece of the $22 billion sugar alternative market where 85% of Americans remain unaware of allulose. For more information, visit www.jacasugar.com.

Investment Opportunity

The Series A funding round is open exclusively to accredited investors. Interested parties may request access to the full data room and investor portal by contacting the Investor Relations team. All investments are subject to verification of accredited investor status and completion of subscription documentation.

State/province name: Florida

Country: United States

Website: https://jacasugar.com 

Media Contact: 

Healthy For Life Foods

Investor Relations

Email: info@jacasugar.com 

Forward-Looking Statements: This press release contains forward-looking statements regarding projected revenue, market opportunity, and strategic positioning. Actual results may differ materially from these projections due to market conditions, competitive dynamics, regulatory changes, and execution risks. This release does not constitute an offer to sell securities. Investment opportunities are available only to accredited investors through proper documentation.

Media Contact

Organization: Jaca®

Contact Person: Support team

Website: https://jacasugar.com

Email: Send Email

Country:United States

Release id:41022

The post Jaca Opens $5M Series A Funding Round to Scale First Mainstream Allulose Brand Addressing $22 Billion Sugar Alternative Market appeared first on King Newswire. This content is provided by a third-party source.. King Newswire makes no warranties or representations in connection with it. King Newswire is a press release distribution agency and does not endorse or verify the claims made in this release. If you have any complaints or copyright concerns related to this article, please contact the company listed in the ‘Media Contact’ section

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Press Release

New Study Examines Inflation-Adjusted House Price Changes Across 41 Countries from 2016-2026

Published

40 minutes ago

on

February 5, 2026

By

A study by UK Expat Mortgage examined inflation-adjusted house price changes across 41 countries from 2016 to 2026 using Bank for International Settlements data. The analysis found varied patterns across markets. The Netherlands saw a 108% real price increase, Portugal recorded 100.37%, and Hungary showed 97.08% growth. The United Kingdom experienced 2.26% real growth, the United States recorded 32.69%, and Australia saw 21.86%. Several markets experienced declines, including Finland at -20.46%, Sweden at -5.03%, and Italy at -5.21%. The study provides perspective on how property values changed when adjusted for inflation across different international markets.

United Kingdom, 5th Feb 2026 – UK Expat Mortgage has published a study examining inflation-adjusted house price changes across 41 countries over the past decade, using data from the Bank for International Settlements.

The analysis tracks real house price movements between Q1 2016 and February 2026, providing insight into how property values have changed when adjusted for inflation across different markets.

Study Findings

The research identified varied patterns in real house price movements across the countries examined. The Netherlands recorded a 108% increase in real house prices over the period, while Portugal saw a 100.37% increase and Hungary recorded 97.08% growth.

The United Kingdom experienced a 2.26% increase in real house prices over the decade. The United States recorded 32.69% real growth, while Australia saw a 21.86% increase.

Several markets experienced declines in real house prices. Finland recorded a -20.46% change, while Sweden saw a -5.03% movement and Italy experienced a -5.21% change.

Other notable figures include Ireland (49.94%), Greece (47.56%), Spain (38.64%), Mexico (37.71%), Singapore (28.23%), Canada (14.50%), Germany (13.81%), and France (5.47%).

“This study examines how house prices have moved in real terms across different markets when inflation is factored in,” said Luther Yeates, Head of Mortgages at UK Expat Mortgage. “Understanding real price movements provides a different perspective than looking at nominal figures alone.”

Methodology

The study analyzed House Price Index data from the Bank for International Settlements, accessed through the Federal Reserve Economic Data (FRED) database. The analysis compared Q1 2016 figures with the latest available data as of February 3, 2026, across 41 countries. All figures represent inflation-adjusted values to reflect real purchasing power changes.

About UK Expat Mortgage

UK Expat Mortgage is a specialist expat mortgage broker dedicated to helping British expatriates and foreign nationals secure mortgage finance in the UK and internationally.

For More Information

Web: www.ukexpatmortgage.com
Email: josh@ukexpatmortgage.com

Data Source: Federal Reserve Economic Data (FRED), Bank for International Settlements House Price Indices

Full country-by-country data available upon request.

Media Contact

Organization: UK Expat Mortgage

Contact Person: Josh Thompson

Website: https://www.ukexpatmortgage.com/

Email: Send Email

Country:United Kingdom

Release id:40982

The post New Study Examines Inflation-Adjusted House Price Changes Across 41 Countries from 2016-2026 appeared first on King Newswire. This content is provided by a third-party source.. King Newswire makes no warranties or representations in connection with it. King Newswire is a press release distribution agency and does not endorse or verify the claims made in this release. If you have any complaints or copyright concerns related to this article, please contact the company listed in the ‘Media Contact’ section

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Disclaimer: The views, suggestions, and opinions expressed here are the sole responsibility of the experts. No Digi Observer journalist was involved in the writing and production of this article.

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