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“Algorithm + Credit” Rebuild the Value Foundation of DeFi

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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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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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Bonnie Sezto on What Makes You Different When Everyone Has AI

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When everyone has access to powerful AI, Bonnie Sezto believes the advantage may no longer be the tool—it may be the person using it.

California, USA, 16th October 2026, ZEX PR WIRE, Artificial intelligence can research, write, organize, analyze, and generate ideas faster than most people could have imagined only a few years ago. As those capabilities become increasingly accessible, Bonnie Sezto is interested in a different question: What becomes valuable when access to intelligence is no longer the advantage?

Sezto is not skeptical of AI. She uses it regularly and sees enormous value in having a tool that can help her research, organize ideas, explore questions, and think through problems faster.

What interests her more is what happens after the tool gives you an answer.

“I use AI all the time,” Sezto says. “But I don’t want it to think for me. I want it to help me think better. There’s a difference.”

The risk, in Sezto’s view, is not using AI too much. It is allowing convenience to gradually replace independent thought.

When a tool can instantly suggest what to say, how to say it, and even what to think about next, efficiency can come with a quieter tradeoff: people may begin outsourcing some of the judgment, curiosity, and individuality that make their perspective worth hearing in the first place.

“AI can make you more capable,” Sezto says. “But capability and individuality are not the same thing. If everyone has access to similar tools and information, what makes you different becomes even more important.”

For Sezto, the goal is not to resist AI. It is to use it as leverage without allowing the tool to replace the person using it.

When Everyone Has the Same Tools, the Tool Stops Being the Advantage

As powerful tools become widely available, access to technology alone becomes less of a differentiator.

Two people can use the same AI, access similar information, and walk into a conversation equally prepared. Yet they can still create completely different experiences.

The difference is often in what happens next.

A tool can help someone prepare. It cannot fully predict what will happen once another person enters the conversation.

Someone may hesitate before answering. Their tone may change. A joke may make them more comfortable. The question they ask may not even be the thing they are actually concerned about.

Those moments require something different from information: attention.

“You have to be able to read what is happening in front of you,” Sezto says. “Sometimes the most important part of a conversation is not what someone says directly. It’s what you notice, what you ask next, and whether you’re actually listening to the answer.”

For Sezto, that is where human judgment becomes difficult to replace. AI can help someone enter a conversation more prepared, but preparation and presence aren’t the same.

Information Is Not the Same as Understanding

Having more information about someone does not necessarily mean understanding them.

That distinction matters to Sezto. Technology can provide context, identify patterns, and surface details someone might otherwise miss. But information still has to be interpreted—and interpretation requires curiosity.

“You can know a lot about someone on paper and still completely misunderstand them,” Sezto says. “Curiosity is what makes you ask another question instead of assuming you already know the answer.”

For Sezto, curiosity is valuable precisely because it creates room to be wrong.

Asking another question may reveal that an assumption was incomplete, that someone sees the situation entirely differently, or that the obvious answer was never the most interesting one in the first place.

“I think curiosity requires being comfortable with the fact that you might not know,” Sezto says. “If you walk into every conversation believing you already understand the person or the answer, you’ve already limited what you can learn.”

AI can expand the amount of information available to someone. Sezto believes curiosity determines what they do with it.

When Efficiency Starts Erasing Individuality

One of AI’s greatest advantages is efficiency. Sezto believes that advantage can also become a weakness when people stop questioning whether the output actually represents them.

AI can help clarify an idea, organize a thought, or find language for something a person is struggling to express. But there is a difference between using a tool to sharpen your thinking and allowing it to replace your voice.

“The first answer AI gives you doesn’t have to be your answer,” Sezto says. “You can disagree with it. You can question it. You can say, ‘That doesn’t sound like me.’ I think that’s part of using it well.”

For Sezto, sounding polished is not necessarily the same as sounding authentic.

“I don’t think the goal is to sound perfect,” she says. “The goal is to communicate clearly while still sounding like yourself.”

Still, the ability to automate something does not necessarily mean it should be automated.

Sezto believes there is value in asking what efficiency is actually improving—and what may be lost in exchange. A faster interaction is not automatically better. A perfectly written response is not automatically more meaningful.

“There are things I want technology to make easier,” Sezto says. “But there are also things I don’t want to optimize the humanity out of.”

The challenge, in her view, is knowing the difference.

Not Everything Valuable Can Be Optimized

People may forget the exact words used in a conversation, but they often remember how the interaction made them feel.

Did someone actually listen? Did they feel comfortable enough to ask a question? Did the other person respond to what was being said, or were they simply waiting for their turn to speak?

Those details can seem small because they are difficult to measure. Sezto believes that does not make them insignificant.

“I think some of the most valuable parts of an interaction are the hardest ones to quantify,” Sezto says. “You can measure how fast something happened or whether a task was completed. It’s much harder to measure whether someone felt understood.”

That distinction matters even more in a world increasingly designed around speed, scale, and efficiency.

That is part of what Sezto believes technology should support rather than replace: the ability to be fully present with another person.

“Sometimes the best conversations are the ones that don’t feel optimized at all,” Sezto says. “It’s just two people talking, listening, and figuring something out together.”

As AI continues to evolve, Sezto believes the greatest challenge will not simply be learning how to use increasingly powerful technology, but knowing when to rely on our own judgment.

“The technology will keep getting better,” Sezto says. “That doesn’t mean we should stop developing the parts of ourselves that technology can’t replace.”

For Sezto, the future isn’t about choosing between technology and humanity. It’s about understanding how to use one to strengthen the other, without losing the individuality that makes each person valuable.

About Bonnie Sezto

Bonnie Sezto is a business professional with a background in sales, marketing, and luxury hospitality. Originally from Shanghai, China, she is based in California and holds a B.A. in Marketing from Saint Mary’s College of California.

Her professional experience has shaped her appreciation for relationship-building, adaptability, and understanding people from different backgrounds. With a natural curiosity about business and the people behind it, Sezto values meaningful conversations, new perspectives, and opportunities for continuous learning.

Her interests extend to entrepreneurship, real estate, wellness and longevity, and emerging technology. She believes that curiosity, independent thinking, and genuine human connection remain valuable in an ever-changing world.

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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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Edmund Dorsz Says the CNC Trade Is Losing Its Mentors, Not Just Its Workers

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The Shortage Everyone Talks About Is the Wrong One

Georgia, USA, 16th October 2026, ZEX PR WIRE, Every few months another report says manufacturing cannot find enough skilled workers. Edmund Dorsz has heard that line for most of his career, and he thinks it skips the actual problem.

“Companies will post for a CNC programmer with five years of experience,” he says, “but they won’t say who is supposed to teach that person the parts of the job that never show up in a manual.”

Dorsz has worked across CAD and CAM systems including Siemens NX, SolidWorks, Mastercam, and CATIA V5. He says the software is rarely the hard part. The hard part is judgment, the kind that comes from someone standing next to a new hire at a machine and explaining why a toolpath that looks fine on screen will chatter on the actual part.

What Gets Lost When Nobody Is Assigned to Teach

Dorsz says the mentorship that used to happen informally, a senior programmer walking a newer one through a setup, has gotten thinner as shops run leaner and schedules get tighter.

“Nobody decided to stop training people,” he says. “It just stopped being anyone’s job in particular, so it happens less.”

He points to a gap he sees often: new programmers who are strong in the software but have never had to explain a toolpath choice to someone running the machine. “You can model a part perfectly and still hand the floor something that’s a headache to cut,” he says. “That’s not a software problem. That’s an experience problem.”

Dorsz owned and ran Accelerated Precision Tooling Company in California before moving into his current role, so he has seen the gap from both sides, as an employer trying to staff a shop and as a programmer trying to get a part right the first time.

Why He Still Makes Time for It

Dorsz says he takes training requests from coworkers seriously, even when it slows down his own week. “If someone asks me to walk through why I set a part up a certain way, I’ll stop and do it,” he says. “It costs me twenty minutes. It can save them a scrapped part later.”

He is careful to draw a line between correcting someone’s work and dismissing it. “I had people do that to me early on, and it didn’t make me better, it just made me quiet,” he says. “I’d rather someone ask a question twice than guess once and be wrong.”

He also pushes back on the idea that patience is a soft skill that does not belong on a shop floor. “Precision work is unforgiving,” he says. “But that doesn’t mean the people doing it have to be. You can hold a tight tolerance and still be easy to work with.”

What He Tells Programmers Starting Out

Dorsz says the advice he gives newer programmers is less about which CAD/CAM system to learn and more about staying curious once they know one. “Get good at your first system, but don’t stop there,” he says. “The programmer who only knows one way to solve a problem runs out of options fast.”

He also tells them not to treat the screen as the whole job. “The part doesn’t live in the software,” he says. “It lives on the machine. Go stand next to it when you can.”

To read more, visit the website here.

About Edmund Dorsz

Edmund Dorsz is a CNC programmer and manufacturing engineer based in Newnan, Georgia. He has worked with Siemens NX, AutoCAD, SolidWorks, Mastercam, and CATIA V5, and previously owned Accelerated Precision Tooling Company in California. He has been with Clayton International Inc. since January 2025.

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Midwest Ragdolls Highlights Why a Kitten’s Early Environment Matters

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Veterinarian Dr. Jennifer Creed discusses why everyday experiences with people, animals, and household activity matter when families research how a kitten was raised.

Illinois, USA, 16th October 2026, ZEX PR WIRE, Long before a kitten arrives in a new home, it has already spent weeks learning about the world around it. The people it encounters, the animals nearby, and the everyday activity around it all become part of those early experiences.

Dr. Jennifer Creed, a practicing small-animal veterinarian and founder of Midwest Ragdolls in Elburn, Illinois, believes prospective owners should consider that part of a kitten’s background alongside questions about veterinary care and health.

“My kittens are raised by my family and me and are used to being around kids and dogs,” Creed says. “That is simply part of their normal environment from early on.”

For Creed, the point is not that early socialization can guarantee how a cat will behave as an adult. Every kitten is an individual, and many factors can influence temperament. Instead, she encourages families to ask a broader question when researching a breeder: What has everyday life actually looked like for this kitten?

What Does Socialization Mean for a Young Kitten?

Socialization is sometimes treated as a formal training program. In practice, many important experiences can happen through ordinary daily life.

A young kitten may hear people moving through a home, meet different family members, experience routine handling, or notice other animals nearby. These experiences introduce the kitten to situations it may encounter again after joining a new family.

At Midwest Ragdolls, the family-run structure means this exposure is built into the environment in which the kittens are raised. Creed has no employees at the cattery. Her children help with the kittens, and dogs are also part of the environment.

“Veterinary care is important, but raising an animal involves more than what happens during an examination,” Creed says. “You are also looking at the environment that animal experiences during an important period of its early life.”

Why Early Experiences and Temperament Are Not the Same Thing

Creed cautions against assuming that only early socialization creates a predictable personality.

Genetics, individual temperament, later experiences, and the environment in a new home can all shape how a cat behaves.

Ragdoll kittens are bred for a specific temperament. They are friendly , outgoing cats but the environment they are raised in is very important.

That distinction matters for families researching breeders. Statements about kittens being raised around children or other animals can provide useful information about their background, but they should not be interpreted as promises about future behavior.

For Creed, the more practical question is whether kittens have opportunities to experience normal interaction before they leave.

“You cannot promise that every kitten will respond to every situation in exactly the same way,” Creed says. “They have individual personalities. What you can do is start with a very social breed and  think carefully about the experiences they have while they are in your care.”

What Should Families Ask About a Kitten’s Early Environment?

When prospective owners speak with a breeder, Creed recommends learning about daily life rather than focusing only on a list of veterinary procedures.

Families can ask where the kittens are raised, who regularly interacts with them, whether they have experience around children or other animals, and what normal activity they encounter. They can also ask how much direct interaction the breeder has with the kittens.

Those questions can provide a more complete picture of the weeks before a kitten joins its new family.

This is particularly relevant because bringing a kitten home represents another major environmental change. New people, unfamiliar rooms, different sounds, and possibly other pets can all arrive at once.

Creed says families should expect adjustment to take time rather than assuming that a well-socialized kitten will immediately feel comfortable in every situation.

Socialization Continues After a Kitten Comes Home

The breeder is responsible for only the beginning of a kitten’s experiences. Once a kitten leaves, its new family must continue that process.

Creed encourages owners to allow kittens to become familiar with a new home gradually. Introductions to unfamiliar people, pets, rooms, and routines do not have to happen all at once. Paying attention to how an individual kitten responds can help families decide when to move forward and when to give the animal more time.

The same principle applies to children and other pets. A kitten having previous experience around children or dogs does not mean every future interaction will automatically be comfortable. New introductions still require supervision, patience, and attention to the animals involved.

That continuing process is one reason Creed believes prospective owners should think about socialization as more than something a breeder completes before a kitten goes home.

“The early weeks matter, but they are only the beginning,” Creed says. “Families continue building on those experiences once the kitten becomes part of their home.”

For Midwest Ragdolls, that beginning takes place within the Creed family’s own environment. More than three decades after the cattery was founded in 1993, kittens are still raised with direct family involvement and regular exposure to children and dogs.

The approach reflects a simple idea: veterinary care provides important information about a kitten’s health, while everyday experiences form another part of its early development. Families researching a kitten can benefit from asking about both.

About Midwest Ragdolls

Midwest Ragdolls is a family-run Ragdoll cattery based in Elburn, Illinois. Founded in 1993 by practicing small-animal veterinarian Dr. Jennifer Creed, Midwest Ragdolls raises purebred Ragdoll kittens for families primarily throughout the Midwest and across the United States.

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