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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

Matthew Mirro Names the Warning Signs He Tells Clients Never to Ignore

Published

4 minutes ago

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October 13, 2026

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  • Matthew Mirro, a sales professional and senior advisor based in Valparaiso, Indiana, is sharing the warning signs he tells clients to watch for before they commit to an advisor, a deal, or an investment.

Why the Pitch Matters Less Than the Pause

Indiana, USA, Oct 13, 2026, ZEX PR WIRE — Matthew Mirro has spent his career in financial services, first building a business in Chicago and later expanding into real estate investment. Across both, he has seen the same pattern show up again and again: people get talked into decisions before they get the chance to think them through.

“A good opportunity can survive a pause,” Mirro says. “If someone is rushing you past the point where you’d normally ask questions, that itself is the warning sign. Not the product. The pressure.”

Mirro’s background in psychology, paired with years of sales experience, shaped how he reads a room and a pitch. He says the two skills work together: one tells you what someone is saying, the other tells you what they are avoiding.

The First Sign: A Pitch That Skips the Numbers

Mirro says the clearest red flag is when someone leads with a feeling instead of a figure.

“If the conversation is all about excitement and none of it is about math, slow down,” he says. “I want to see the numbers before I care about the story. The story should back up the numbers, not replace them.”

He tells clients to ask directly for the breakdown behind any projection, whether it’s a financial plan or a real estate deal. If the answer is vague or the person seems annoyed by the question, he treats that as information.

The Second Sign: Advice That Ignores the Client’s Timeline

Mirro says a second warning sign shows up when advice sounds identical no matter who is receiving it.

“Someone starting a family has different priorities than someone who’s twenty years into their career,” he says. “If the recommendation doesn’t change based on your actual situation, it probably wasn’t built for your situation in the first place.”

He points to his own path as an example, without treating it as a template for anyone else. He moved to Chicago to build a career and a business, then returned to Northwest Indiana when he and his wife decided to start a family. The decisions that made sense at each stage were different, he says, because the goals were different.

The Third Sign: No Room for Questions

The third sign Mirro names is simpler than the first two: how a person responds when you push back.

“If someone gets defensive the moment you ask a follow-up question, pay attention to that reaction,” he says. “A person who actually knows the material wants you to understand it. They’re not threatened by questions.”

Mirro says this sign applies whether someone is choosing a financial advisor, evaluating a business partner, or looking at a property. The willingness to slow down and explain, he says, tells you more than the pitch itself.

What Mirro Tells Clients to Do Instead

Mirro is careful to frame these signs as things to notice, not a checklist he hands out. He says the goal is for clients to build their own judgment over time, rather than depend on someone else’s approval for every decision.

“I’d rather someone learn to trust their own read on a situation,” he says. “My job is to give them the information and the honest answer, not to make the decision feel bigger or smaller than it is.”

He says the habit of asking questions, checking numbers, and noticing pressure has served him in both financial services and real estate investment. It is also, he says, a habit he hopes to pass along, both to clients and to his own children.

“Entrepreneurship and long-term financial decisions come with real risk,” Mirro says. “The people who do well aren’t the ones who avoid every risk. They’re the ones who know how to spot the difference between a real opportunity and a rushed one.”

To read more, visit the website here.

About Matthew Mirro

Matthew Mirro is a sales professional and senior advisor based in Valparaiso, Indiana. He built his career in financial services after graduating from Ball State University with a degree in psychology, later expanding into real estate investment. Mirro is also the founder of the Michael Mirro Neurological Fund at the Mirro Center in Fort Wayne, Indiana, established in honor of his brother, Michael.

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Press Release

What Is LinkPro AI Multiple Identities, AI and Privacy in One Messaging Platform

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34 minutes ago

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October 13, 2026

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Malaysia, 13th Oct 2026 – Discover LinkPro’s vision for next-generation communication infrastructure, bringing together multiple identities, AI-native messaging, contextual privacy, Secure Space and control over personal data.

LinkPro is a next-generation messaging platform built around multiple identities, AI-native communication and contextual privacy. Positioned as AI Communication Infrastructure, it rethinks messaging around the relationships people manage, the growing volume of conversations they receive and their need for control over identity and data.

For people managing projects, participating in communities and keeping up with personal contacts, a messaging system needs to reflect different relationships and help them find what matters. LinkPro brings these needs together, connecting identity, conversations and privacy rules within a single system.

Multiple Identities for Different Relationships

A professional presence at work, a private conversation with family and a public role in a community all belong to the same person, but involve different relationships. LinkPro accommodates those differences through Work, Personal, Community and Anonymous identities.

Each identity has its own name, profile picture, contacts, groups, notifications, online status and privacy rules. Users can manage their profile and communication environment according to the role they are in, giving each relationship a clearly defined place.

For creators, multiple identities separate fan communities, brand partnerships and personal contacts. For founders, they address the need to manage teams, clients, partners and private life at the same time. Starting with the structure of those relationships makes LinkPro better suited to the different roles a person actually holds.

AI at the Core of Conversation Understanding

LinkPro puts AI’s ability to interpret conversations at the heart of messaging. Summaries help users catch up on long exchanges, decision extraction organizes confirmed arrangements, and reply suggestions take the situation into account. Multilingual understanding supports conversations across regions, while Context Memory helps users find relevant past discussions.

In intelligent groups, these capabilities organize key decisions, action items, important files and discussion threads. Members returning after time offline can get an overview of the project before opening the topics they need to continue their work. Group conversations gain a clearer information structure.

LinkPro defines AI’s role clearly: AI understands; humans decide. Intelligent organization helps users make sense of information, while the people involved confirm important arrangements and make the final decisions.

Privacy Rules That Fit Each Relationship

Clients and family members have different expectations around availability. Friends and unfamiliar community members need different levels of access to profile information. LinkPro organizes privacy around relationships and conversations so settings reflect the situation in which communication takes place.

The design includes forwarding controls, read receipts, online status, message lifetimes, screenshot safeguards and alerts, and additional access conditions. These govern activity disclosure, content use and access to spaces, letting users apply appropriate rules to each relationship.

Multiple identities and contextual privacy work together. The identity establishes the role in use, while privacy rules define the boundaries within that role. For people managing several kinds of contact, this connection makes privacy easier to understand and manage.

A Separate Security Layer for Important Information

Everyday chats and important business information call for different access arrangements. LinkPro Secure Space provides a security layer for sensitive content outside ordinary messaging, with a separate entry point and access conditions for important conversations.

LinkPro’s technical security layer also incorporates end-to-end encryption, device keys and permission management. Identity, privacy and Secure Space are considered together within the foundational architecture, providing distinct management layers for different communication needs.

Digital Identity and Data Control for Wider Collaboration

LinkPro includes DIDs and verifiable credentials in its identity layer, with cross-platform identity, data ownership and community collaboration in its development direction. The focus is how users manage their digital identities and maintain relationships built over time.

Its data design distinguishes between encrypted cloud, local-first and decentralized storage. These approaches address different priorities, including convenient synchronization, control through users’ own devices and data sovereignty. Different identities and situations can have appropriate data arrangements.

For collaboration involving AI agents, LinkPro also focuses on agent identities, permissions and authorization limits. Communication between people and agents requires clarity about who is participating, who has authorized them and what they are allowed to do. These considerations extend into the next phase of the messaging architecture.

Designed for People and Teams with Complex Communication Needs

Founders and project leads manage several business relationships at once. Remote teams need handoffs across time zones. Creators separate their public presence, commercial work and private life. Community members need clear identities, discussions and participation rules. LinkPro builds a shared communication system around these situations.

Its product roadmap begins with messaging, identity and privacy foundations, develops AI’s understanding of conversations, and then extends into cross-platform identity, control over data and agent collaboration. Each stage connects the capabilities to practical communication needs.

Together, these choices give LinkPro a clear proposition: distinct spaces for different roles, easier access to the information that matters, and communication rules and data arrangements shaped by the user’s needs. They define LinkPro’s position as AI Communication Infrastructure.

Frequently Asked Questions

What is LinkPro?

LinkPro is a next-generation messaging platform built around multiple identities, AI-native communication and contextual privacy. It is positioned as AI Communication Infrastructure.

What are LinkPro’s core design elements?

They include multiple identities, AI conversation understanding, contextual privacy, Secure Space, and architecture supporting digital identity and user control over data.

Who is LinkPro designed for?

Its design addresses the communication needs of people with multiple roles, creators, founders, remote teams and those collaborating across communities.

Visit www.linkpro.me to explore LinkPro’s approach to multiple identities, AI and privacy, and discover next-generation messaging designed around real relationships.

Media Contact

Organization: LinkPro

Contact Person: LinkPro

Website: http://www.linkpro.me/

Email: Send Email

Country: Malaysia

Release id: 49883

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What Is LinkPro AI Multiple Identities, AI and Privacy in One Messaging Platform

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Press Release

B2PRIME Expands Tier-1 Access and Liquidity Architecture for Sophisticated Institutional Flow

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2 hours ago

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October 13, 2026

By

Limassol, Cyprus, October 13th, 2026, FinanceWire

B2PRIME Group, a global financial services provider for institutional and professional clients, has announced a material expansion of its institutional liquidity architecture.

Following two years of strong growth, product development and investment in institutional infrastructure, B2PRIME has secured an additional line with its Tier-1 prime broker, expanded its relationships with Tier-1 banks and global financial institutions, and increased its capacity to construct and manage bespoke aggregated liquidity streams.

The expansion enables B2PRIME to support larger counterparties, more complex trading models and a broader range of institutional flow profiles.

Intelligent Liquidity Management

Over the past two years, B2PRIME has substantially diversified its pool of banking and non-banking liquidity providers, building a full-scale infrastructure for aggregating liquidity from a wide range of heterogeneous sources. 

Where the Group’s model previously relied on aggregating already-normalised sources, it now aggregates flows with varying order book depth, data formats and execution parameters — systematised and normalised within a single infrastructure rather than simply combined.

This has brought B2PRIME’s customisation to a new level. Individual liquidity streams can now be built for each client, accounting for execution parameters and source-specific characteristics, not just spreads and consolidated pricing. 

Each stream can be configured around instrument coverage, ticket-size distribution, target depth, holding periods, session concentration, latency sensitivity, pricing structure and expected volumes.

This gives institutional clients a liquidity configuration built for their business, rather than a generic pool offered on identical terms to every counterparty.

The Group has also developed more advanced markout and anomalous price-movement detectors, improving control over liquidity quality, faster identification of underperforming sources, and greater price-stream stability.

“Access at this level is earned through financial strength, consistent flow, operational discipline and a strong compliance record. Our expanded relationship with our Tier-1 prime broker and the addition of further Tier-1 bank pricing relationships reflect the progress B2PRIME has made. We now have the access, capacity and infrastructure to serve some of the most sophisticated businesses in the market, and to continue supporting them as they scale.” — Eugenia Mykuliak, Founder of B2PRIME Group

Expanding Prime-of-Prime Liquidity Infrastructure

The additional line with B2PRIME’s Tier-1 prime broker strengthens the Group’s ability to support higher volumes and larger institutional relationships. At the same time, the addition of further Tier-1 bank pricing relationships increases the range and quality of liquidity available for aggregation.

Together, these developments allow B2PRIME to create deeper and more resilient liquidity streams while reducing dependence on any single source.

The resulting architecture is designed to support demanding institutional requirements, including concentrated flow, larger ticket sizes, multi-asset coverage and businesses operating across different trading sessions and execution environments.

This combination of prime-broker access, diversified Tier-1 pricing and client-specific liquidity engineering places B2PRIME among a relatively small group of regulated Prime-of-Prime providers capable of supporting sophisticated liquidity mandates at scale.

More Than a Price Feed

At the institutional level, liquidity quality depends on the diversity of underlying sources, available credit, fill performance and suitability for the client’s specific flow and many other factors. Instead of distributing a standardised feed, B2PRIME designs each stream around the client’s business model and execution requirements, with performance continuously assessed against real execution data.

This has already translated into tighter spreads across major and minor FX pairs and precious metals, more competitive swap rates, increased executable depth and stronger price continuity across principal sessions. 

The broader source mix also gives B2PRIME greater flexibility to manage the liquidity behind each stream. Sources can be assessed against fill ratios, rejection rates, slippage, response times, spread stability and performance during volatile market conditions. This is a continuous process. A liquidity stream is not treated as a static product: it is monitored, reviewed and adjusted as the client’s flow and market conditions evolve.

B2PRIME’s publicly available Best Execution framework, aligned with MiFID II, governed all of this. Institutional counterparties can access detailed execution-quality reporting.

“The difference between supplying liquidity and managing liquidity is significant. A feed can look competitive in a snapshot. An institutional liquidity stream must perform across volume, volatility, different sessions and changing flow characteristics. We understand the client’s flow and manage the stream continuously against real execution data.”

— Alex Tsepaev, Chief Strategy Officer at B2PRIME Group

Two Years of Growth Results in Expansion

In 2025, the Group’s client trading income increased by 165% year-on-year to EUR 52.8 million. Net profit reached EUR 15.0 million, while client trading volumes grew more than fivefold. B2PRIME ended the year with zero debt and an equity-to-total-assets ratio of approximately 45%.

That’s why this combination of balance-sheet strength, consistent volumes, regulatory standing and operational performance has enabled B2PRIME to deepen its relationships with leading global financial institutions.

The offering is available now to eligible brokers, hedge funds, proprietary trading firms, asset managers, OTC desks and banks, subject to entity and jurisdiction, via FIX API, PrimeXM, oneZero, Centroid, FXCubic and MT4/MT5 bridges.

About B2PRIME Group

B2PRIME Group is a global financial services provider for institutional and professional clients. Regulated by reputable authorities—including CySEC, FSA, FSCA, FSC Mauritius, SCB in The Bahamas, DFSA (Dubai) —the group of companies offer access to competitive liquidity across multiple asset classes. Committed to the highest compliance standards, B2PRIME provides institutional-grade trading solutions with a focus on reliability, transparency, and operational excellence.

Contact

B2PRIME Group
sales@b2prime.com

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