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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!

About Author

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

Lunabet Debunks 5 Common iGaming Myths Misleading Players Today

Published

10 minutes ago

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February 18, 2026

By

Istanbul, Turkey, 18th February 2026, ZEX PR WIRE, Lunabet, a global iGaming and sports betting platform founded in 2013, today released a myth-busting brief to help individuals in Turkey and neighboring regions make clearer, safer decisions when engaging with online entertainment. Drawing on widely observed industry patterns and user behavior, Lunabet outlines five common myths — why they persist, what the facts actually show, and one practical step anyone can apply immediately.

“Most mistakes don’t come from bad intentions — they come from bad assumptions,” said a Lunabet spokesperson. “Clearing up a few myths can dramatically improve how people protect themselves and enjoy digital platforms responsibly.”

Myth 1: “All licensed platforms work the same way”

Why people believe it:
Licensing logos look similar, and many platforms use comparable language about safety and fairness.

The reality:
Licenses set minimum standards — not identical operating rules. Withdrawal limits, payout timelines, and support quality vary widely even among licensed operators.

Quick tip:
Before registering, check withdrawal policies and payout timeframes, not just the license badge.

“A license is the starting line, not the finish line,” Lunabet notes.

Myth 2: “If a platform pays once, it will always pay the same way”

Why people believe it:
Early withdrawals are often smooth, creating a sense of long-term certainty.

The reality:
Some platforms change conditions as activity increases, introducing caps, delays, or additional verification steps.

Quick tip:
Read the terms for high-value or repeat withdrawals, not just the first transaction.

“Consistency matters more than the first payout,” a Lunabet representative explained.

Myth 3: “Search engines always show the safest links”

Why people believe it:
People trust top search results and assume visibility equals legitimacy.

The reality:
Unofficial mirror sites and look-alike domains frequently appear in search results, especially in regulated or restricted markets.

Quick tip:
Use official URLs or verified communication channels saved directly — not bookmarked search results.

“Safe access starts before you even log in,” Lunabet emphasized.

Myth 4: “Bigger bonuses mean better value”

Why people believe it:
Large headline numbers are designed to attract attention and feel like free value.

The reality:
Bonus size doesn’t equal usability. Wagering requirements, exclusions, and time limits often reduce real value.

Quick tip:
Check wagering requirements and eligible games before accepting any bonus.

“Transparency beats temptation every time,” said Lunabet.

Myth 5: “Security is only the platform’s responsibility”

Why people believe it:
People assume licensed platforms handle all protection automatically.

The reality:
Account safety is shared. Weak passwords, reused emails, and unverified links remain major risk factors.

Quick tip:
Use unique credentials and enable all available account protections immediately after registration.

“Even the strongest systems rely on smart user habits,” Lunabet added.

If You Only Remember One Thing

Not all platforms — or offers — are created equal. A few minutes spent checking access points, withdrawal terms, and security settings can prevent most common problems.

About Lunabet

Lunabet is a global iGaming and sports betting platform founded in 2013 and licensed in Curaçao to serve an international audience. Built on enterprise-grade Every Matrix infrastructure, Lunabet delivers a high-performance digital entertainment ecosystem focused on financial transparency, platform stability, and user privacy. The platform is widely recognized for its Unlimited Withdrawal Policy, fast and consistent payouts, and robust security standards. With 24/7 dedicated support and a strong commitment to fair play, Lunabet aims to set the industry benchmark for operational reliability and player-first financial integrity in online entertainment.

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Press Release

Tabber B. Benedict Launches Personal Pledge to Make Legal Access Equitable

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10 minutes ago

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February 18, 2026

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  • The New York–based legal advisor and founder of Benedict Advisors commits to bridging the gap in business law for underserved entrepreneurs.

New York, US, 18th February 2026, ZEX PR WIRE, In response to growing barriers faced by startups and small businesses seeking legal support, Tabber B. Benedict, Founder and Managing Partner of Benedict Advisors PLLC, has launched a personal pledge to champion legal equity for entrepreneurs who are often priced out of expert legal services.

“Legal structure is the foundation of a business,” says Benedict. “But too many brilliant entrepreneurs skip that step because they think it’s out of reach.”

Why It Matters Now

Recent data highlights the critical need for increased legal access:

  • 81% of small business owners lack in-house legal counsel. (Source: ABA)

  • Nearly 60% of startup failures are due to preventable legal or operational missteps. (Source: Startup Genome)

  • Only 1 in 4 entrepreneurs say they fully understand the legal implications of their cap table. (Source: Carta)

“Most founders don’t fail because of their ideas,” says Benedict. “They fail because they didn’t ask the right legal questions early on. My goal is to make those questions easier to ask—and easier to answer.”

7 Personal Commitments from Tabber B. Benedict

Benedict’s pledge includes 7 specific, ongoing behaviours he is personally committing to:

  1. Offer one pro bono legal consult per month to a first-time founder building a business under $1M.

  2. Publish one open-source legal resource each quarter to demystify legal terms, documents, and strategy.

  3. Host quarterly roundtables with fellow legal professionals to share best practices for lowering barriers to legal support.

  4. Speak at underfunded incubators or university entrepreneurship centres twice a year.

  5. Audit one internal workflow each month to identify where complexity can be reduced or explained better for clients.

  6. Check in quarterly with past clients from early-stage businesses to ensure their structures are still protecting their goals.

  7. Mentor one legal or business student per year from an underrepresented background.

“These are small things, but done consistently, they help close the gap,” says Benedict. “The legal profession needs to stop being a black box.”

A Toolkit Anyone Can Use: 10 DIY Legal Action Steps

To make his pledge scalable, Benedict has also released a free, public toolkit with 10 things any entrepreneur can do—without hiring a lawyer—to start building legal clarity into their business today.

The DIY Legal Clarity Toolkit:

  1. Create a one-page founder agreement using a basic template.

  2. List all IP created to date and who owns it.

  3. Start a contract checklist: Who you’ve hired, what they’ve signed, and what’s missing.

  4. Google your own business name—are you legally distinct?

  5. Make a cap table in Excel or Notion and keep it updated monthly.

  6. Read 3 articles about business structure in your state or country.

  7. Look up your state’s filing deadlines and add them to your calendar.

  8. Search for a free startup legal guide from a local law school.

  9. Ask one experienced founder how they handled their legal setup.

  10. Write down one legal “red flag” you’re ignoring—and draft a plan to fix it.

“You don’t need to be a lawyer to ask smarter questions,” Benedict reminds. “You just need a starting point.”

Simple 30-Day Progress Tracker

To help individuals take real action, the toolkit includes a 30-day tracker with space to:

  • Set three legal clarity goals

  • Track five documents you reviewed or updated

  • Log two expert conversations or research reads

  • List one issue you want to explore more deeply

Users can print or duplicate the tracker to keep their momentum going.

Call to Action: Take the Pledge, Share the Toolkit

Benedict is encouraging others—founders, legal professionals, mentors, and students—to adopt the pledge or modify it to fit their own role in the ecosystem.

“This isn’t about doing everything perfectly,” he says. “It’s about doing something consistently.”

To take the pledge, download the toolkit, or follow the journey, visit www.benedictadvisors.com/pledge or share it using #LegalAccessPledge.

About Tabber B. Benedict

Tabber B. Benedict is the Founder and Managing Partner of Benedict Advisors PLLC, a law firm providing partner-level legal counsel to lower middle-market businesses. A Columbia Law School graduate, Tabber brings over 25 years of experience from institutions including White & Case LLP, the White House, and the Federal Reserve Bank of New York. His mission is to make legal excellence more accessible, practical, and strategic for entrepreneurs and growing companies.

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CBD Movers Adopts a Data-First Operating Model to Power Smarter Long-Term Relocation Planning

Published

25 minutes ago

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February 18, 2026

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Australia, 18th Feb 2026 – What if every moving decision was guided by insight instead of instinct? That question is shaping the next phase of the relocation industry as CBD Movers positions itself as a data-driven moving company Australia, introducing a long-term operating model built on analysis, forecasting, and measurable outcomes rather than guesswork.

As relocation volumes increase and customer expectations grow more complex, the Australian moving sector is facing pressure to evolve. CBD Movers’ data-first approach reflects a broader industry shift toward evidence-based planning, where decisions are supported by operational intelligence, historical performance trends, and demand forecasting. The objective is not short-term optimisation, but sustainable, predictable relocation services designed to perform consistently over time.

Shifting from Experience-Based Decisions to Measurable Planning

Traditionally, moving operations have relied heavily on experience and manual judgement. While expertise remains essential, CBD Movers’ strategy recognises that experience alone is no longer sufficient in a rapidly changing environment. The company’s operating model now places structured data analysis at the centre of planning, scheduling, and service coordination.

By examining historical relocation patterns, resource utilisation, and service timelines, CBD Movers is refining how moves are planned well before execution. This shift enables better forecasting of peak periods, more accurate allocation of crews and equipment, and improved coordination across regions. The result is greater consistency and fewer disruptions, even as volumes fluctuate.

This operating philosophy reinforces CBD Movers’ position as a data-driven moving company in Australia, where long-term planning replaces reactive decision-making.

Improving Reliability Through Operational Intelligence

Reliability has become one of the most important decision factors for customers choosing a moving provider. CBD Movers’ data-first framework directly addresses this demand by identifying inefficiencies before they affect service delivery.

The business can monitor performance metrics, including resource availability, transportation schedules, and scheduling accuracy, due to operational intelligence. Instead of making last-minute changes, these insights encourage preemptive alterations. This strategy eventually lowers variability and aids in standardising results across many sites.

CBD Movers is improving service predictability while preserving adaptability to changing circumstances by integrating analytics into day-to-day operations. For a data-driven moving company Australia, this balance is crucial for operating in a variety of markets and relocation scenarios.

Supporting Smarter Workforce and Resource Planning

One of the moving industry’s most difficult problems is still workforce coordination. By matching crew deployment to anticipated demand rather than conjecture, CBD Movers’ data-driven methodology facilitates better staffing decisions.

The business can determine where further training, resources, or scheduling changes are needed by using trend analysis and performance tracking. This promotes safer, more manageable workloads for teams on the ground in addition to increasing productivity.

This strategy also helps with fleet planning and equipment usage. CBD Movers may better distribute cars, schedule maintenance cycles, and minimise downtime by analysing usage patterns. These efficiencies improve the relocation process as a whole and bolster the reputation of an Australian data-driven moving company that prioritises long-term operational stability.

Enhancing Transparency and Accountability

Increased internal and external transparency is another benefit of data-driven operations. Without focusing solely on anecdotal feedback, CBD Movers is able to assess results objectively and pinpoint areas for development through clear performance measures.

That level of accountability promotes ongoing departmental progress and fortifies governance. As the company expands, structured reporting and performance evaluation procedures assist in ensuring that service standards stay the same.

Customers benefit from more consistent service delivery and better-defined expectations. The focus on quantifiable results is in line with contemporary consumer demands for responsibility and well-informed choices.

Preparing for the Future of Relocation

It is expected that relocation needs in Australia would change in tandem with urbanisation, population expansion, and shifting work habits. The long-term approach of CBD Movers recognises that flexibility needs to be backed by knowledge rather than instinct.

The company is creating an operational model that will change with the market by investing in data infrastructure and analytical capabilities. CBD Movers can adapt to new trends while upholding operational discipline and service consistency thanks to this preparation.

Businesses with solid data foundations are better positioned to grow without compromising quality, according to industry observers. This knowledge is shown in CBD Movers’ strategy, which shows a dedication to long-term success over immediate profits.

Looking Ahead

Data will play an increasingly important role in creating reliable and scalable services as the moving industry continues to modernise. The implementation of a data-first operating strategy by CBD Movers is a major step toward smarter relocation planning throughout Australia.

By integrating insight into every aspect of the company’s operations, CBD Movers is strengthening its standing as a data-driven moving company Australia and establishing a benchmark for responsible decision-making, long-term service quality, and accountability in a sector that is changing quickly.

For more information, contact:

CBD Movers

Phone: +61 1300 223 668

Website: https://www.cbdmovers.com.au/

Connect with CBD Movers on Social Media:

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Media Contact

Organization: CBD Movers

Contact Person: Support Team

Website: https://www.cbdmovers.com.au/

Email: Send Email

Contact Number: +11300223668

Country:Australia

Release id:41565

The post CBD Movers Adopts a Data-First Operating Model to Power Smarter Long-Term Relocation 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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