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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

DDPFORWORLD Launches Comprehensive DDP Shipping Solution for Global E-commerce Businesses

Published

14 hours ago

on

January 4, 2026

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DDPFORWORLD, a leading international logistics service provider, proudly introduces its integrated Delivered Duty Paid (DDP) shipping solution. This solution is designed to remove the complexities of cross-border e-commerce for sellers shipping from China to markets worldwide.

December 2025-DDPFORWORLD(KEEYEE LOGISTICS CO.LTD), a trusted name in global logistics and customs compliance, today announced the official launch of its streamlined DDP (Delivered Duty Paid) shipping service. This end-to-end solution empowers e-commerce businesses, particularly those exporting from China to key markets like the USA, Europe, and beyond, to deliver a seamless, transparent, and worry-free customer experience.

The rapid growth of cross-border e-commerce has heightened customer demand for price transparency and hassle-free delivery. Unexpected duties and complex customs procedures remain significant barriers to conversion and customer satisfaction. DDPFORWORLD’s dedicated DDP shipping solution directly addresses this pain point.

Comparison table of DDP service and standard transport (DAP/EXW):

Comparison table of DDP service and standard transport (DAP/EXW)

“Our mission is to simplify global trade,” said Camila,- service manager for DDPFORWORLD. “Much like how advanced materials transform construction, a robust DDP logistics framework transforms the post-purchase experience. We handle all logistics, customs clearance, and tax payments, allowing sellers to offer their international customers the simplicity of ‘all-inclusive, door-to-door’ delivery.”

The core advantage of DDPFORWORLD’s service lies in its predictability and reliability. By managing the entire chain—from international freight and export declarations to destination country import clearance, duty & tax payment, and final delivery—businesses can provide a final landed cost at checkout. This eliminates surprise fees for the end-consumer, which is shown to boost checkout conversion rates by an average of 15-30% for high-consideration purchases.

A key feature of the service is its Smart DDP Calculator, a proprietary tool that allows sellers to obtain precise, real-time landed cost estimates before shipping. This enables accurate pricing and protects profit margins.

The company has developed a specialized framework to identify products ideal for DDP shipping from China:

  • High-Value Goods: Electronics, luxury items, and precision equipment where customer purchase decisions are sensitive to hidden costs.
  • Brand-Centric Products: Subscription boxes, premium goods, and items where a flawless delivery experience is integral to brand loyalty.
  • Stable-Compliance Goods: Consumer products like apparel, home goods, and standardized items with clear tariff classifications.

For businesses testing new markets or shipping low-margin goods, DDPFORWORLD also provides expert consultation on alternative Incoterms like DAP, ensuring clients choose the most cost-effective strategy.

“Choosing DDPFORWORLD for DDP shipping is more than a logistics decision; it’s a competitive business strategy,” Camila added. “It transforms a potential friction point into a powerful tool for building trust, enhancing brand reputation, and driving international sales growth.”

Businesses looking to expand their global reach with confidence are invited to explore DDPFORWORLD’s solutions. For more details on DDPFORWORLD’s DDP shipping services, visit: https://ddpforworld.com/ddp-shipping/

About DDPFORWORLD

DDPFORWORLD is a premier provider of international logistics and customs clearance solutions, specializing in Delivered Duty Paid (DDP) shipping. With a focus on technology, transparency, and reliability, the company helps e-commerce businesses and manufacturers navigate the complexities of global trade. From shipping from China to USA under DDP to managing European VAT compliance, DDPFORWORLD’s comprehensive services ensure a smooth, predictable, and professional supply chain experience for sellers and their customers worldwide.

Media Contact

Organization: DDPFORWORLD

Contact Person: Camila

Website: https://ddpforworld.com/

Email: Send Email

City: Shenzhen, Yiwu, Xiamen

Country:China

Release id:39653

The post DDPFORWORLD Launches Comprehensive DDP Shipping Solution for Global E-commerce Businesses appeared first on King Newswire. This content is provided by a third-party source.. King Newswire makes no warranties or representations in connection with it. King Newswire is a press release distribution agency and does not endorse or verify the claims made in this release. If you have any complaints or copyright concerns related to this article, please contact the company listed in the ‘Media Contact’ section

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Press Release

Woven Highlights a Shift Toward More Human Centred Marketing Automation as Customer Expectations Evolve in Singapore

Published

14 hours ago

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January 4, 2026

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As digital tools become more deeply embedded in everyday business operations, organisations across Singapore are taking a closer look at how automation shapes customer relationships.

Singapore, 4th Jan 2026 – As digital tools become more deeply embedded in everyday business operations, organisations across Singapore are taking a closer look at how automation shapes customer relationships. 

While marketing automation has helped teams scale communications and streamline workflows, recent industry conversations suggest that businesses are now moving beyond efficiency alone and toward more intentional, human centred engagement. 

Recent research in Singapore found that 84% of respondents said their companies were leveraging digital marketing to advertise products and services, underscoring how embedded digital-first engagement has become.

This shift has become especially visible during recent onboarding initiatives, where companies are reassessing how automated systems fit into broader customer journeys. Rather than treating automation as a replacement for human interaction, many organisations are exploring how technology can support relevance, timing, and clarity. 

Industry reporting notes that cloud based marketing automation accounted for 66.3% of spending in 2024, highlighting how quickly automation has become a default operating model rather than a “nice to have.”

As a long standing, Woven has observed growing interest in designing automation strategies that reflect real customer behaviour rather than rigid workflows.

Across sectors such as professional services, education, and healthcare, teams are asking the same question. How can automation enhance trust instead of overwhelming audiences with noise.

Automation Maturity in a Crowded Digital Landscape

Over the past decade, automation has become a core part of modern marketing and customer relationship management. Tools that once felt optional are now standard, especially for small and mid sized enterprises competing in crowded digital markets. Email journeys, lead scoring, customer portals, and analytics dashboards are increasingly interconnected.

By late 2025, many organisations are entering a new stage of automation maturity. The conversation is shifting from deployment to optimisation. Businesses are recognising that automation works best when it reflects user intent, supports internal workflows, and stays true to brand voice. When those elements are misaligned, even sophisticated platforms can feel impersonal.

This shift mirrors changing customer expectations. Audiences are more informed, more selective, and more sensitive to how brands communicate. Generic or poorly timed automated messages are easier to ignore, not because automation is ineffective, but because relevance matters more than volume. The 2025 State of Marketing trends coverage also highlights how quickly output expectations are rising, reporting that 51% of marketers now use AI tools, increasing the need for governance and message discipline.

Designing Systems Around Real Customer Behaviour

A notable change in automation strategy is the move toward behavioural context. Instead of triggering communications only through form submissions or fixed time delays, teams are increasingly mapping workflows to user actions, content engagement, and lifecycle stages.

This approach is shaping how CRM platforms are configured during onboarding. Many organisations are prioritising clarity and simplicity over complexity, ensuring workflows support sales and service teams instead of adding administrative burden. The result is stronger alignment across marketing, sales, and customer support, with automation acting as an enabling layer that improves consistency, visibility, and responsiveness while leaving room for human interaction when it matters most.

Why Balance Matters for Growing Businesses

For SMEs, automation choices can shape long term customer perception. Early decisions often set the tone for how a brand communicates as it scales. When systems are designed with care, automation can preserve personal connection even as volume increases.

In Singapore, where efficiency is valued alongside trust and credibility, the question is no longer whether to automate, but how to do so responsibly. That means evaluating message frequency, relevance, and internal ownership, and ensuring automation fits real world operations rather than feature checklists.

About Woven

Woven is a Singapore based digital experience consultancy that works with organisations to align strategy, technology, and design. The company focuses on building connected systems that support meaningful engagement and sustainable growth across marketing, sales, and service teams.

For more information, contact:

 

Woven Pte. Ltd.

60 Paya Lebar Rd, #07-54 Paya Lebar Square, Singapore 409051

Tel: +65 8076 2388

Email: enquiry@woven.sg

https://www.woven.sg

Media Contact

Organization: Woven Pte. Ltd

Contact Person: Joshua Ooi

Website: https://www.woven.sg

Email: Send Email

Contact Number: +6580762388

Address:60 Paya Lebar Rd, #07-54 Paya Lebar Square

City: Singapore

State: Singapore

Country:Singapore

Release id:39675

The post Woven Highlights a Shift Toward More Human Centred Marketing Automation as Customer Expectations Evolve in Singapore appeared first on King Newswire. This content is provided by a third-party source.. King Newswire makes no warranties or representations in connection with it. King Newswire is a press release distribution agency and does not endorse or verify the claims made in this release. If you have any complaints or copyright concerns related to this article, please contact the company listed in the ‘Media Contact’ section

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Press Release

Aviva Partners with BlackRock to Rebuild Insurance Assets Through Distributed Digital Infrastructure, Ushering in a New Paradigm for RWA Insurance Assets

Published

1 day ago

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January 3, 2026

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Amid the accelerating global momentum toward the digitization of real-world assets (RWA), Aviva has announced a strategic collaboration with BlackRock to formally advance the digital issuance, on-chain registration, and intelligent management of RWA-based insurance assets. This initiative aims to drive the migration of traditional insurance assets toward next-generation digital financial infrastructure.

As one of the world’s leading asset management institutions, BlackRock oversees a vast portfolio spanning equities, fixed income, insurance assets, pensions, and a wide range of alternative investments, and exerts profound influence across global capital markets. In recent years, BlackRock has actively explored the digital representation of real-world assets, programmable financial structures, and global digital clearing networks. Its extensive expertise in institutional design, risk management, and cross-market asset allocation provides critical support for integrating RWA insurance assets into emerging digital financial systems.

 

Within the scope of this collaboration, BlackRock not only brings institutional-grade credit endorsement and capital recognition to RWA insurance assets, but also delivers key support in asset selection standards, risk control models, compliance framework design, and connectivity to global capital channels. Leveraging mature governance structures and a global resource network, the ownership verification, return distribution mechanisms, and risk parameters of insurance assets can be standardized, enabling end-to-end verifiability and auditability.

 

From a technological architecture perspective, the system is built upon distributed ledger technology and automated smart contract frameworks. Traditional insurance assets are digitally encapsulated and structurally re-engineered, allowing insurance coverage rights, cash flows, and risk models to exist in a unified digital asset form. This architecture supports automated settlement, transparent clearing, and cross-system interoperability, providing foundational infrastructure for institutional-grade financial scenarios and innovative asset management models.

 

Industry observers note that the deep synergy between Aviva and BlackRock marks a pivotal transition of insurance assets from traditional closed financial systems toward open, composable, and scalable digital financial infrastructure. As real-world asset digitization accelerates and institutional capital continues to enter the space, RWA insurance assets are expected to emerge as a critical value bridge connecting traditional finance with the evolving digital economy.

Media Contact

Organization: AVIA Inc

Contact Person: Daniel

Website: https://www.avia-corp.com/index-en.html

Email: Send Email

Country:United Kingdom

Release id:39804

The post Aviva Partners with BlackRock to Rebuild Insurance Assets Through Distributed Digital Infrastructure, Ushering in a New Paradigm for RWA Insurance Assets 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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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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