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“Algorithm + Credit” Rebuild the Value Foundation of DeFi

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4 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

Darius McGrew Gives a Homerun Explanation of Enterprise Telecom for Financial Services

Published

26 minutes ago

on

December 16, 2025

By

Darius McGrew is an Enterprise Account Executive in Tampa, Florida. He and his team focus on mitigating risk and delivering consistent bandwidth for enterprise customers.

Many of his customers are in the financial services sector. For them, technology decisions are about more than performance metrics – it’s all about safeguarding trust.

As a seasoned Telecom sales rep in Florida, Darius McGrew exemplifies this daily focus. 

This helps him effectively guide institutions through complex implementations with precision.

Much like a baseball manager setting the lineup for a championship game, Darius McGrew ensures that every solution is positioned to deliver consistent long-term performance while protecting enterprise value.

 

Stepping Up to the Plate: Discovery and Risk Assessment

The first step in any engagement is discovery. For financial services clients, it is critical to identify pain points such as:

  • Latency in trading platforms

  • Compliance gaps in data transmission

  • Or resilience concerns during hurricane season.

Darius McGrew, a Telecom sales leader in Florida, uses baseball analogies to weave the explanation together.

“Just like a batter studies the pitcher before stepping into the batter’s box, a good rep studies the client’s environment. Every swing must be data-driven, every pitch anticipated.” – Darius McGrew

By treating discovery as the first at‑bat, reps like Darius McGrew can set the tone for a good game built on preparation and foresight.

 

Building the Lineup: Solution Design

Once risks are identified, Darius McGrew designs a solution that balances performance with compliance.

  • Security: End‑to‑end encryption and secure access service edge (SASE) serve as the infield defense — preventing breaches before they reach critical systems.

  • Compliance: Documentation and audit trails are the rulebook. Regulatory compliance is essential. 

  • Reliability: Redundant circuits, SD‑WAN failover, and disaster recovery planning protocols are the bullpen — ready to step in when the starter falters.

Darius McGrew explains that an effective rep builds a solution with layered strengths. Each component plays its role in protecting enterprise value.

 

Playing Through the Season: Implementation and Testing

Implementation is where theory meets practice. This is especially true for financial services clients.

Darius McGrew is a Florida-based Telecom rep that coordinates provisioning, testing, and validation with the precision of a World Series team executing a double play.

He explains that the Enterprise Value Strategy is simple:

  • Testing protocols: Latency is measured against trading benchmarks, uptime is validated against SLA commitments, and compliance is confirmed through simulated audits.

  • Disaster recovery drills: Failover circuits are tested like spring training exercises, ensuring readiness when the regular season begins.

  • Performance monitoring: Ongoing analytics resemble the box score—tracking throughput, packet loss, and jitter in every inning to ensure we deliver consistent wins.

 

The Closer: Post‑Implementation Support

Every championship team needs a reliable closer to succeed. Here’s why it matters in Telecom:

  • Monitoring: AI‑driven analytics track network performance, alerting IT leadership to anomalies before they impact members.

  • Compliance updates: As regulations evolve, the best reps provide updated documentation and ensure that solutions remain audit‑ready.

  • Continuous improvement: Quarterly reviews align infrastructure with emerging financial services needs, from mobile banking expansion to secure cloud adoption.

Florida Finance: Resilience Under Pressure

Operating from Tampa, Florida, Darius McGrew is an Enterprise Account Executive that understands the unique challenges of hurricane‑prone regions. 

“Reliability is not theoretical; it is tested annually by severe weather.” – Darius McGrew

Disaster recovery planning includes geographically diverse routes, redundant data centers, and proactive failover strategies.

 

Why IT Leadership Values This Approach

For IT leaders in financial services, leveraging trusted Telecom reps like Darius McGrew offers clear advantages:

  • Security as defense: Like a gold‑glove shortstop, security measures prevent costly errors.

  • Compliance as rule adherence: Just as baseball requires strict adherence to rules, financial services demand compliance with regulatory frameworks.

  • Reliability as consistency: A reliable bullpen wins championships; reliable infrastructure wins member trust.

Many Financial Institutions are rethinking their Cloud Connectivity Strategy for Secure Transactions

Darius McGrew explains that complex solutions are like a well‑executed game plan — strong pitching (security), disciplined adherence to rules (compliance), and consistent hitting (reliability). The institution not only wins the game but also builds a season of trust with its members.

Conclusion

Telecom sales in financial services is not about chasing quick wins; it is about building a season of sustained success. 

Darius McGrew is a Florida-based Telecom representative demonstrating how security, compliance, and reliability will form the foundation of every solution.

Through baseball analogies, the parallels are clear: defense prevents errors, rules ensure fairness, and reliability wins championships.

For IT leadership, the lesson is simple: trusted Telecom reps like Darius are not just vendors. They are managers, coaches, and players who ensure that every inning of the technology game delivers value, resilience, and trust.

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Press Release

KeyCrew Media Selects Teddy Abdelmalek as Verified Expert for Student Housing Operations and Property Management Innovation

Published

41 minutes ago

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December 16, 2025

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KeyCrew Media, a real estate analytics and media network, has selected Teddy Abdelmalek, Senior Vice President of Business Development at HH Red Stone, as a KeyCrew Verified Expert.

Baltimore, Maryland, United States, 16th Dec 2025 – KeyCrew Media, a real estate analytics and media network, has selected Teddy Abdelmalek, Senior Vice President of Business Development at HH Red Stone, as a KeyCrew Verified Expert. Abdelmalek will contribute data-driven analysis on student housing operations, property management innovation, and multifamily real estate trends across national markets.

KeyCrew Verified Experts are carefully selected as prolific market trend authorities who demonstrate exceptional insight and expertise in their fields. These distinguished professionals regularly contribute market insights, expert perspectives, and forward-looking analysis to help audiences navigate complex industry landscapes.

Teddy Abdelmalek brings 25 years of student housing and multifamily experience to his role at HH Red Stone, the property management arm of HH Group. With a Master’s degree in Higher Education Administration with an emphasis in Student Affairs, Abdelmalek uniquely combines operational expertise with deep understanding of the student experience. He started his career managing on-campus student housing before transitioning to the private sector, where he has built a reputation for transforming underperforming assets through disciplined operations and innovative resident experience strategies.

As Senior Vice President of Business Development, Abdelmalek leads HH Red Stone’s third-party management vertical, overseeing approximately 10,000 beds across student housing, multifamily, affordable, and mixed-use properties nationwide. Under his leadership, HH Red Stone has pioneered a “functional hospitality” operating model that prioritizes resident experience and owner alignment through performance-based fee structures.

Abdelmalek’s approach to property management challenges industry conventions. Rather than collecting standard management fees regardless of property performance, HH Red Stone operates on a base fee plus performance incentives tied to NOI achievement – ensuring the company only benefits when properties succeed.

“I’m honored to be selected as a KeyCrew Verified Expert,” said Teddy Abdelmalek. “The student housing industry is evolving rapidly, moving away from amenities arms races toward functional, wellness-integrated designs that support academic success. With my background in both on-campus student affairs and private sector operations, I’m excited to share insights on how operators can drive real value for property owners while creating environments where students truly thrive.”

Abdelmalek’s areas of expertise include:

  • Student Housing Operations—Specialized knowledge in off-campus student housing management, leasing strategies, and renewal optimization
  • Property Management Innovation—Forward-thinking approaches to third-party management that prioritize owner alignment and performance-based results
  • PropTech Integration—Strategic implementation of property technology that enhances resident experience and operational efficiency
  • Multifamily & Affordable Housing—Comprehensive understanding of diverse asset classes and cross-sector operational best practices
  • Resident Experience & Hospitality-Driven Operations—Expertise in creating community environments that drive occupancy and NOI through disciplined, consistent service delivery

About HH Red Stone

HH Red Stone is the property management arm of HH Group, managing approximately 10,000 beds across multiple asset classes including student housing, multifamily, affordable, and mixed-use properties nationwide. After a decade of exclusively managing HH Group’s owned portfolio, the company launched its third-party management vertical to serve other owners with the same institutional-grade approach it applies to its own assets. HH Red Stone’s operating philosophy centers on “functional hospitality” – treating residents as CEOs and maintaining operations with the discipline and consistency that drives sustainable success. Website: www.hhredstone.com

About KeyCrew Media

KeyCrew Media is the next generation real estate intelligence platform that leverages AI-powered analytics and first-person reporting from verified experts to produce forward-looking insights across local markets and niche asset classes. Proprietary market reporting is delivered through KeyCrew’s growing portfolio of niche media properties – including KeyCrew Journal, NextAsset News, and other specialized publications – as well as selectively syndicated to media partners that influence industry decision-makers. Learn more at keycrew.co

 

Media Contact

Organization: KeyCrew Media

Contact Person: Heather Hook

Website: https://www.keycrew.co

Email: Send Email

City: Baltimore

State: Maryland

Country:United States

Release id:39119

The post KeyCrew Media Selects Teddy Abdelmalek as Verified Expert for Student Housing Operations and Property Management Innovation 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

Meowant’s Purrfect Christmas Gift: Self-Cleaning Litter Boxes on Holiday Sale

Published

41 minutes ago

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December 16, 2025

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United States, 16th Dec 2025, – As twinkling lights adorn homes and families gather for the holidays, smart pet care brand Meowant is spreading seasonal cheer with its highly anticipated Christmas savings event. From December 19 through December 25, 2025, cat owners can enjoy exclusive holiday pricing on the SC-Series self-cleaning litter boxes—giving the gift of time, comfort, and a fresher home to both pets and their people.

The holiday season brings joy, but it also brings a packed schedule: decorating the tree, preparing festive meals, hosting guests, and traveling to see loved ones. Meowant understands that during the busiest week of the year, the last thing anyone wants to worry about is scooping litter multiple times a day. This Christmas event offers a practical solution—automate the chore and reclaim precious moments for what truly matters: celebrating with family, friends, and furry companions.
 

Meowant's Purrfect Christmas Gift: Self-Cleaning Litter Boxes on Holiday Sale

Holiday Savings (Dec 19 – Dec 25)

Shoppers can unwrap exclusive pricing on three distinct models at meowant.com using the festive codes below:

Meowant SC01 – The Safe & Reliable Choice

Holiday Price: $219 (Original: $329) | Save $110 | Code: XMAS110

A solid choice for those prioritizing established safety monitoring and reliability. Features a spacious 56.7L interior, comprehensive app connectivity through AIRPET to track health data and bathroom habits, and a 4.8-inch entrance suitable for cats of all ages.

Meowant SC02 – The Spacious & Sophisticated Option

Holiday Price: $259 (Original: $589) | Save $330 | Code: XMAS330

The Meowant SC02 features a sleek, enclosed design with ultra-quiet operation (≤38dB) and extra capacity for larger cats up to 22 lbs. Advanced weight sensors identify individual cats automatically, ideal for multi-cat households. Sealed odor control system keeps homes fresh for up to a month—perfect for holiday entertaining.

Meowant SC03 – The Compact & Clever Solution

Holiday Price: $219 (Original: $239) | Save $20 | Code: XMAS20

A smart option for cat owners seeking efficient, everyday cleanliness. Features an innovative dual-rake system and non-stick base to minimize residue. Ensures safety with ultra-sensitive gravity sensors and quiet operation, while app monitoring and enclosed odor control deliver dependable automation for a stress-free holiday season.

A Holiday Extra

As a seasonal bonus, every order placed during the event will include two complimentary stickers, allowing users to add a bit of personality to their new device.

Why Upgrade Now?

Beyond the tech appeal, switching to an automatic litter box offers immediate practical perks during the busy winter weeks:

Guest-Ready Home: The enclosed waste bin helps contain odors—a key detail when hosting holiday dinners.

Less Maintenance: Automatic cleaning means one less thing to worry about during a busy schedule.

Consistent Hygiene: It ensures a fresh bed of litter for the cat after every visit, regardless of how busy the owner gets.

About Meowant

Meowant specializes in smart pet care appliances, focusing on safety and convenience to simplify the daily lives of pets and their owners.

Media Contact

Organization: Meowant

Contact
Person: Media Relations

Website:

https://meowant.com/

Email:

penny@yibainetwork.com

Country:United States

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Meowant’s Purrfect Christmas Gift: Self-Cleaning Litter Boxes on Holiday Sale appeared first on
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