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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

Pink Moon Launches Wearable Love Brand Founded by Fashion Institute of Technology Student

Published

24 minutes ago

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March 16, 2026

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United States, 16th Mar 2026 –  Pink Moon, a new direct-to-consumer jewelry brand founded by soon-to-be Fashion Institute of Technology graduate Riza Baah, officially launched today with its debut Unfailing Love Collection. At a time when most jewelry is designed primarily as decoration or trend-driven accessories, Pink Moon was created with a different purpose: to give jewelry deeper personal meaning. The collection features rings and earrings designed as wearable affirmations, pieces that symbolize values such as love, confidence, growth, and belonging, and are meant to serve as daily reminders of who the wearer is and who they are becoming. Each design is created to move beyond aesthetics, transforming jewelry into something intentional, personal, and empowering. With every purchase, Pink Moon also contributes to a monthly donation supporting the work of Lifesong for Orphans, extending the brand’s mission of spreading love and support both to its customers and to children in need. Through its designs and its impact, Pink Moon aims to redefine what everyday jewelry can represent. Their Jewelry is something worn not just for how it looks, but for what it stands for.

Pink Moon launches with an initial collection focused on stackable rings and everyday earrings designed for daily wear. The collection features multiple pieces that can be mixed and layered, allowing customers to combine different designs that reflect their personal style and beliefs. The jewelry is crafted using durable, everyday materials and is designed to remain lightweight and comfortable for daily use. Pieces are available through the brand’s ecommerce store at https://pinkmoon.com.co/ and ship across the United States.

The launch collection centers on rings that can be stacked together and earrings designed to complement layered jewelry styling. The stackable concept allows wearers to build combinations that represent different themes or values. Customers may choose to wear several rings together, creating a visual combination that reflects their personality and evolving experiences.

Founder Riza Baah created the brand while studying advertising and marketing at the Fashion Institute of Technology in New York. The idea for Pink Moon came from observing how younger consumers increasingly seek products that feel personal and emotionally meaningful.

“I started Pink Moon because I wanted jewelry that reminded me of who I am and what I believe in,” said Baah. “So many products today focus on trends or appearance. I wanted to create pieces people could wear every day that quietly represent confidence, growth, or belonging. Something simple but meaningful.”

The brand enters a jewelry market that has seen growing interest in personalization and symbolic products. Many Gen Z and younger millennial consumers are drawn to brands that reflect individuality and personal values rather than status or luxury. This shift has fueled demand for jewelry that carries meaning beyond decoration.

Pink Moon’s concept focuses on creating simple pieces tied to affirmations and emotional themes. Instead of designing collections purely around seasonal fashion trends, the brand builds its designs around ideas people want to carry with them in everyday life. Each piece represents a concept such as confidence, love, transformation, or growth.

The stackable design is a core part of the brand’s identity. Rings can be layered together to create combinations that evolve over time as customers add new pieces. This allows the jewelry to grow with the wearer and reflect different stages of life or personal milestones.

Pink Moon primarily targets Gen Z and young millennial consumers who value individuality, creativity, and self expression in the brands they support.

The brand is launching as a digital first business, selling directly through its ecommerce platform while focusing marketing efforts on visual storytelling through social platforms such as Instagram and TikTok. These platforms allow customers to discover the meaning behind each piece and share how they style and combine their jewelry.

Pink Moon’s long term goal is to build a community around symbolic jewelry and personal expression. By focusing on meaning driven design and everyday wearable pieces, the brand hopes to create jewelry that becomes part of people’s daily lives rather than occasional accessories.

For more information visit https://pinkmoon.com.co/ .

About Pink Moon

Pink Moon is a direct-to-consumer jewelry brand redefining the role jewelry plays in everyday life. Founded by soon-to-be Fashion Institute of Technology graduate Riza Baah, the brand creates rings and earrings designed as wearable affirmations—pieces intended to carry meaning, not just beauty. Built on the belief that what we wear can shape how we feel, Pink Moon designs jewelry that symbolizes values such as confidence, growth, love, and belonging. Each piece is created to serve as a daily reminder of identity, intention, and self-belief—transforming jewelry from simple adornment into something deeply personal. Through its direct-to-consumer model, Pink Moon connects customers directly with the brand’s mission: to create jewelry that reflects personal meaning while encouraging self-love and connection. The brand’s debut Unfailing Love Collection introduces pieces designed to be worn every day as symbols of affirmation, purpose, and individuality. Pink Moon sells its collections online, making intentional jewelry accessible to a new generation seeking more meaning in what they wear.

Media Contact

Organization: Pink Moon

Contact Person: Riza Baah

Website: https://pinkmoon.com.co/

Email: Send Email

Country:United States

Release id:42657

The post Pink Moon Launches Wearable Love Brand Founded by Fashion Institute of Technology Student 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

Choose Grounding Expands Access to Natural Wellness With Innovative Grounding Products

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5 hours ago

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March 16, 2026

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Springfield, Massachusetts, United States, 16th Mar 2026— Choose Grounding, a health and wellness brand dedicated to helping individuals reconnect with the Earth’s natural energy, is expanding access to grounding solutions through its growing range of home wellness products. The company offers innovative grounding sheets, mats, blankets, and sleep accessories designed to make the benefits of grounding accessible from the comfort of home.

Grounding—also known as earthing—is the practice of connecting the human body to the Earth’s natural electrical charge. Traditionally achieved through direct contact with surfaces like soil, sand, or grass, grounding has gained increasing attention as a natural wellness practice associated with improved sleep, reduced stress, and decreased inflammation. Choose Grounding brings this practice indoors through conductive materials that simulate the connection to the Earth’s electrons. (Choose Grounding)

“Modern lifestyles often limit our ability to connect with nature regularly,” said a spokesperson for Choose Grounding. “Our mission is to provide simple, practical solutions that allow people to experience grounding benefits anytime—whether they live in a busy city, work indoors, or simply want to enhance their nightly recovery.”

Choose Grounding’s product lineup includes:

  • Grounding sheets designed to connect sleepers to the Earth’s energy during rest
  • Multipurpose grounding mats that can be used at desks, on floors, or during yoga sessions
  • Grounding blankets and pillowcases for enhanced relaxation and sleep quality
  • Specialized grounding products for babies and pets to support whole-family wellness

These products incorporate conductive materials such as silver fibers or carbon-infused surfaces that connect to the grounding port of a standard electrical outlet, providing a pathway to the Earth’s natural electrical field. 

Grounding has been associated with a wide range of wellness benefits, including improved circulation, reduced inflammation, enhanced sleep quality, and stress reduction. By integrating grounding into daily routines—especially during sleep—users can potentially support the body’s natural recovery processes and overall health.

Choose Grounding continues to expand its product offerings and educational resources to help consumers better understand grounding and its potential wellness applications.

To learn more about Choose Grounding and explore its product lineup, visit https://choosegrounding.com.

About Choose Grounding

Choose Grounding is a wellness company focused on providing products and educational resources that support grounding, also known as earthing. Through grounding sheets, mats, and other conductive products, the company aims to help individuals reconnect with the Earth’s natural energy and promote healthier sleep, reduced stress, and improved overall well-being.

Media Contact
Choose Grounding
736 Boston Road
Springfield, MA 01119
Email: lorna@choosegrounding.com
Phone: +1 512 782 9659

 

Media Contact

Organization: Choose Grounding

Contact Person: Jackie Reed

Website: https://choosegrounding.com/

Email: Send Email

Contact Number: +13525684593

Address:736 Boston Road #518

City: Springfield

State: Massachusetts

Country:United States

Release id:42639

The post Choose Grounding Expands Access to Natural Wellness With Innovative Grounding Products 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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COFF Exchange Launches Ecological Cooperation: Integrating Coinbase Institutional Channels, Crypto.com Payment Entry, and imToken Wallet Ecosystem

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5 hours ago

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March 16, 2026

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(December 26, 2025) — According to disclosures from COFF Exchange, the platform has recently initiated the cooperation and integration process with Coinbase’s institutional-grade services, Crypto.com’s payment and fiat gateway capabilities, and the imToken self-custody wallet ecosystem.

COFF stated that the core objective of this collaboration is to bridge the three most common user segments—fiat on-ramping, trade matching, and on-chain self-custody—into a smoother, integrated experience. The relevant features will be rolled out in phases, with specific supported regions and timelines subject to final product pages and joint announcements.

Three-Party Division of Labor: Entry, Execution, and Wallet Connectivity

Based on the disclosed information, this cooperation resembles a “capability puzzle” integration rather than a single business binding:

•Coinbase (Institutional Side): The focus of the cooperation is directed toward the custody, execution, and liquidity paths commonly used by institutional clients. COFF stated that it is advancing integration with institutional-grade infrastructure to meet the requirements of large-scale funds for compliance, risk control, and execution stability.

•Crypto.com (Retail Entry): The plan is to position the “crypto purchase entry” closer to daily and fast payment scenarios. By leveraging its payment and fiat gateway capabilities, the friction costs for new users transitioning from fiat to crypto assets will be reduced.

•imToken (Self-Custody and Web3 Connectivity): COFF plans to strengthen the secure entry and exit experience between “wallets and exchanges.” This includes smoother on-chain deposits and withdrawals, address books/whitelists, and risk warning capabilities, enhancing usability for users with existing on-chain assets.

Industry insiders believe that the combination of “Exchange + Fiat Gateway + Self-Custody Wallet” has been a common product path in the industry over the past two years. One end lowers the threshold for compliant funds to enter the crypto world, while the other satisfies user demands for on-chain self-custody and asset control, with the exchange providing matching and liquidity in between.

Potential Product Implementation: Bridging “Entry and Exit” Before Deep Integration

While COFF has not disclosed a specific launch schedule, industry practice suggests that implementation will likely proceed in layers based on difficulty and compliance requirements:

1.Prioritizing Fiat On-Ramping/Quick Buy Paths: Enabling users to complete the closed loop of “payment → crypto purchase → account arrival for trading.”

2.Optimizing Execution and Settlement for Large/Institutional Trades: Enhancing depth, slippage control, and fund allocation efficiency.

3.Strengthening Wallet Integration: For example, in-wallet trade navigation, one-click on-chain asset deposits/withdrawals, risk control alerts, and user education.

Challenges Ahead: Compliance Boundaries, Regional Differences, and Risk Coordination

Analysis indicates that while such cross-platform integrations significantly improve the user experience, they also face three types of realistic variables:

•Regional and Licensing Differences: Fiat gateways and payment methods are often influenced by local regulations and banking partnerships, meaning features may be rolled out on a “region-by-region” basis.

•KYC/AML and Risk Coordination: Risk control standards across fund entry, trading, and wallet sides must be aligned; otherwise, fragmented experiences or redundant audits may occur.

•Clear Presentation of User Asset Paths: Especially when “platform account assets” and “self-custody on-chain assets” coexist, the product must clearly indicate responsibility boundaries and risks.

COFF stated that it will advance the cooperation under the premise of compliance and will release more detailed supported regions, product descriptions, and risk warnings upon the launch of specific features.

 

About COFF Exchange 

COFF is the world’s first digital asset trading platform specifically focused on serving KOLs (Key Opinion Leaders). Established in 2016, it officially obtained licenses from U.S. financial regulators in 2024. The platform is dedicated to solving core challenges in diversified mainstream trading systems and “asset management,” creating a one-stop service ranging from traffic operations to crypto trading and stock investment. Legally holding the U.S. FinCEN MSB license and SEC qualifications, COFF is committed to being compliant, secure, and professional.

The platform offers a wide range of derivative products, including digital currencies, U.S. stocks, commodities, precious metals, perpetual contracts, options, spot trading, stock spot, margin trading, and options. Equipped with high-performance matching engines and multiple security protections, it provides a smooth and reliable trading experience for global users.

Company Address & Business License: https://www.fincen.gov/msb-state-selector

Media Contact

Organization: COFF Exchange

Contact Person: Lisa Eldridge

Website: https://www.coffinc.com

Email: Send Email

Country:Hong Kong S.A.R.

Release id:42652

The post COFF Exchange Launches Ecological Cooperation: Integrating Coinbase Institutional Channels, Crypto.com Payment Entry, and imToken Wallet Ecosystem 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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