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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

From First Time Traders to Pros: Olympus Capital Opens Copy Trading to Everyone

Published

21 minutes ago

on

September 21, 2026

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Brokerage brings a transparent copy trading leaderboard to MetaTrader 5, with live demonstrations at Forex Expo Dubai 2026

DUBAI, UAE, September 21st, 2026, ZEX PR WIRE– Olympus Capital has opened its copy trading environment on MetaTrader 5 to traders at every experience level, giving users access to a transparent leaderboard of ranked strategies with performance visible in real time.

The Olympus Capital copy trading platform allows users to review how each strategy has performed before choosing to follow it, rather than allocating on the basis of marketing claims. Performance data updates live, and strategies are ranked on the leaderboard so users can compare before committing. The feature sits inside MetaTrader 5 alongside the rest of the Olympus Capital trading environment.

Copy trading has become one of the fastest growing segments of retail trading globally, driven by users who want exposure to the markets without managing every position themselves. Olympus Capital has positioned its offering as accessible across the full spectrum, from first time traders taking their first position through to experienced professionals using it to diversify alongside their own strategies.

“Not every trader has hours to sit in front of a chart, and that should not lock them out of the market,” said Ashmeet Arora of the C suite team at Olympus Capital. “What matters is that people can see exactly what they are following before they follow it. Olympus Capital built the leaderboard to be transparent for that reason. Our aim is for users to feel they can trust what they are looking at.”

Copy trading carries additional risk, including the possibility of following traders whose strategies, goals or risk tolerance differ from your own. Past performance of any strategy is not indicative of future results. Olympus Capital publishes full risk information at olympuscapitalfx.com and encourages users to review it before using copy trading features.

The copy trading environment forms part of a wider Olympus Capital offering that includes Standard, Raw and Pro account types, zero minimum deposit accounts, free demo accounts for new traders, fast withdrawal processing, multilingual customer support while markets are open, and monthly promotions for active traders. Trading is available across forex, metals, energies and indices.

Traders will be able to see the platform running live at Forex Expo Dubai 2026 on September 22 and 23, where Olympus Capital is hosting Booth 45 in Hall 2. The team will run copy trading demonstrations across both days, alongside on site activities including spin the wheel, with merchandise and trading related gifts available to visitors. Introducing Brokers attending can also discuss the company’s flexible rebate structures with the partnerships team at the booth.

Olympus Capital has stated its intention to pursue additional licensing in further jurisdictions in the period ahead, subject to the relevant regulatory approvals.

Traders can review the Olympus Capital copy trading leaderboard, account types and current promotions at olympuscapitalfx.com.

About Olympus Capital

Olympus Capital is a global multi-asset brokerage offering trading across forex, metals, energies and indices through the MetaTrader 5 platform. The company operates Standard, Raw and Pro account types, zero minimum deposit accounts, free demo accounts, a transparent copy trading leaderboard, flexible rebate structures for Introducing Brokers, fast withdrawal processing and multilingual customer support.

Olympus Capital Limited is incorporated and registered under the laws of Saint Lucia (company registration number EA 2024-00085) and provides Contracts for Difference and Foreign Exchange trading services on that basis. The Company also maintains administrative and operational support offices in the United Arab Emirates and Bangkok, Thailand.

You can visit here for more information: olympuscapitalfx.com.

Risk Warning: Trading Forex and CFDs involves a high level of risk and may not be suitable for all investors. The use of leverage can work both for and against you. You may lose all or part of your invested capital, therefore you should not invest money you cannot afford to lose. Past performance is not indicative of future results.

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From Threat Visibility to National Resilience: Inside the UAE-Cyble Cybersecurity Partnership

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37 minutes ago

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September 21, 2026

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Nations cannot choose when a cyberattack will come. They can choose how prepared they are when it does.

Dubai, UAE, September 21st, 2026, ZEX PR WIRE, That principle sits at the heart of a new Memorandum of Understanding between Cyble and the Cyber Security Council of the United Arab Emirates, signed in Dubai during GISEC Global 2026. The collaboration brings together the Council’s national cybersecurity mandate and Cyble’s threat intelligence capabilities around a shared objective: strengthening visibility into emerging threats and supporting a more proactive approach to national cyber defense.

The shift comes as the threat landscape becomes faster, more distributed, and increasingly difficult to predict. Ransomware operations have evolved into sophisticated criminal ecosystems, phishing infrastructure can be deployed and dismantled rapidly, and automated scanning can identify exposed systems at scale. For governments and critical infrastructure operators, knowing what is happening inside their own environments is no longer enough. Understanding what is developing across the broader threat landscape is becoming equally important.

This is where intelligence-led defense takes on greater significance.

Threat signals rarely appear in one place. A compromised credential may surface alongside phishing infrastructure. A vulnerability may be discussed in underground communities before exploitation begins. A threat actor may reveal campaign indicators across multiple digital channels. Individually, these signals can appear disconnected. Correlated together, they can provide valuable context around who is behind an activity, what they are targeting, and how a campaign may be developing.

“This is not just a partnership announcement. It is a strategic validation of Cyble’s capabilities at the national cybersecurity level and potentially a gateway to the UAE government and critical-infrastructure ecosystem,” said Beenu Arora, CEO and Co-Founder of Cyble. “The collaboration shows the trust placed in our threat intelligence platform and reflects the growing importance of proactive, intelligence-led defense in protecting nations against increasingly sophisticated cyber threats.”

For the UAE, the partnership aligns with a broader focus on strengthening national cyber resilience through advanced intelligence and proactive defense. The collaboration reflects the Council’s emphasis on improving the country’s ability to anticipate emerging threats, strengthen digital infrastructure, and maintain a high level of cybersecurity readiness.

H.E. Dr. Mohamed Al Kuwaiti, Head of Cyber Security for the UAE, highlighted the importance of combining advanced threat intelligence with proactive defense as the UAE continues to strengthen its national cybersecurity posture. The MOU reflects a shared commitment to safeguarding the nation’s digital infrastructure while strengthening its ability to identify and respond to evolving threats.

Turning Fragmented Signals into Actionable Intelligence

At the center of Cyble’s capabilities is Cyble Vision, an AI-driven SaaS platform powered by BlazeAI and designed to deliver unified threat intelligence across digital, physical, and brand ecosystems.

The value of that approach lies in correlation. A single indicator may provide limited context, but multiple related signals can reveal a much broader threat picture. Connecting leaked credentials with phishing infrastructure, underground activity, exposed assets, or indicators associated with an active campaign can help security teams better understand the nature and potential scope of a threat.

For organizations operating at national scale, that broader visibility can be particularly important. Government services, financial systems, enterprises, and critical infrastructure are increasingly interconnected, creating an environment where cyber risks can extend beyond individual organizations and sectors.

The UAE has continued to invest in its digital economy and cybersecurity capabilities, making resilience across this interconnected ecosystem a strategic priority. The Cyble partnership adds another layer to that effort by connecting national cybersecurity objectives with intelligence from the wider threat landscape.

For Cyble, the MoU represents another step in its growing engagement across the UAE and the broader Middle East cybersecurity ecosystem. For the UAE Cyber Security Council, it reinforces the role of timely, contextual intelligence in strengthening national readiness.

The message is clear: modern cyber defense is not only about responding when an incident occurs. It is about improving visibility, connecting the signals, understanding the risk, and creating more opportunities to act before threats escalate.

In an environment where cyber threats can move faster than traditional defenses, seeing earlier can be the first step toward defending better.

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NOWPayments Releases Cross-Chain Payout Data Revealing Key Performance Benchmarks Across TRON, BNB Chain, and Solana

Published

3 hours ago

on

September 21, 2026

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Tallinn, Estonia, September 21st, 2026, Chainwire

NOWPayments today published new empirical data analyzing six months of enterprise payout activity, offering a comparative performance benchmark across TRON, BNB Smart Chain, Solana, Bitcoin, and Ethereum to help businesses select optimal blockchain rails based on speed, transaction volume, and cost efficiency.

The dataset reveals distinct operational advantages depending on transfer priorities: Solana recorded the fastest average payout speed at 1 minute and 45 seconds while accounting for 3.08% of volume and 3.86% of transactions. TRON led in total monetary volume at 43.69%, and BNB Smart Chain handled the largest share of individual payout transactions at 48.23%.

High-Frequency Payouts Put BNB Smart Chain in the Lead

Together, TRON, BNB Smart Chain, Ethereum, Bitcoin, and Solana accounted for 94.04% of payout volume and 77.84% of payout transactions during the period analyzed.

BNB Smart Chain accounted for 48.23% of transactions, compared with 15.73% for TRON. Its share of payout volume was lower at 21.75%.

The network handled far more individual transfers without carrying the largest share of value, a pattern consistent with higher-frequency, lower-value payouts in the NOWPayments dataset.

Higher-Value Payouts Put TRON in the Lead

TRON moved 43.69% of payout volume, more than twice BNB Smart Chain’s 21.75% share, despite accounting for a much smaller share of transactions.

Based on those shares, the average TRON payout was approximately 6.2 times larger than the average BNB Smart Chain payout during the period. The networks served different payout patterns: TRON carried more value, while BNB Smart Chain handled far more individual transfers.

Ethereum ranked third by volume at 18.84% and represented 7.42% of transactions. Bitcoin accounted for 6.68% of volume and 2.60% of transactions, while Solana represented 3.08% of volume and 3.86% of transactions.

The data suggests a practical framework for matching the network to the payout flow:

The data offers a starting point, not a universal network recommendation.

When Speed Matters, Solana Leads

Solana led on speed with an average payout time of 1:45. Bitcoin followed at 2:53, ahead of TRON at 3:08 and BNB Smart Chain at 3:13. Ethereum recorded the longest average at 5:56.

The gap between the fastest and slowest networks was 4 minutes and 11 seconds. Every network in the comparison still averaged less than six minutes, while TRON and BNB Smart Chain were separated by only five seconds.

The fastest network was not the most widely used. That points to a broader principle: crypto infrastructure should be evaluated across the full movement of funds, not by a single headline metric.

Kate Lifshits, Commercial Director at NOWPayments, applies the same data-first approach in Crypto That Works for Business, her Cryptopolitan series on the commercial impact of crypto payments. The first column, the 22% Sales Boost Hiding in Your Crypto Checkout, examined checkout performance; future editions will cover other points where payment infrastructure affects revenue, costs, and growth.

“The useful question is not which network tops a leaderboard. It is what a specific payout flow needs to optimize: value, frequency, speed, or cost,” said Kate Lifshits, Commercial Director at NOWPayments.

When Cost Matters, The Best Route May Not Be a Blockchain Network

When minimizing payout costs is the priority, comparing blockchain networks may be the wrong place to start.

NOWPayments allows businesses to send payouts to ChangeNOW Pro wallets with no network or service fees within the ecosystem. Creator Andy Tries Coding publicly tested the route and reported receiving a fee-free payout in under five seconds.

Recipients are identified by email and confirm the transfer before funds move, so businesses do not need to collect wallet addresses at the beginning of the payout process. An interactive guide walks through the process from payout creation to recipient access.

The takeaway is simple: define the payout flow first, then select the network or route. Value, frequency, speed, and cost will not point every business to the same answer.

About NOWPayments

NOWPayments is a crypto business ecosystem designed to help companies accept payments, automate mass payouts, manage stablecoin treasury, and scale global digital asset operations through a single infrastructure. The platform supports more than 350 cryptocurrencies, over 30 stablecoins, flexible settlement options, and enterprise-grade APIs.

Contacts

PR Manager
Angelina T.
NOWPayments
angelina.tmk@nowpayments.io
Commercial Director
Kate L.
NOWPayments
kate.l@nowpayments.io

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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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