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“Algorithm + Credit” Rebuild the Value Foundation of DeFi

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4 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

FreeWill Exchange Launches in Spain: A Secure Hybrid CEX+DEX Platform

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1 hour ago

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November 29, 2025

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FreeWill Exchange has officially entered the Spanish market, bringing its innovative CEX+DEX hybrid model to local users. Committed to localization, FreeWill offers a Spanish interface and dedicated support while ensuring top-tier security through AI risk management and cold/hot wallet segregation. The platform aims to provide a secure, transparent, and efficient trading environment for investors in Spain.

Denver, Colorado, United States, 29th Nov 2025 – With the rapid growth of the cryptocurrency market, more and more users are wondering how to enjoy a more efficient and transparent trading experience without sacrificing security. In this context, FreeWill Exchange (hereinafter, “FreeWill”), a leading cryptocurrency exchange platform founded in 2019 and based in the state of Colorado (United States), is entering the Spanish market with the mission of offering a secure, transparent, and all-in-one cryptocurrency trading service, under the vision of “Free Will · Connecting the Future.” FreeWill’s entry into Spain represents a new step in its international expansion strategy and brings with it a renewed trading experience for Spanish users.


        The most notable feature of FreeWill is its innovative CEX+DEX hybrid model, which combines the advantages of centralized (CEX) and decentralized (DEX) exchanges in a balanced way. The platform combines the matching engine and market depth of a CEX, providing high liquidity and fast execution, while integrating the self-custody and transparency of a DEX, allowing users to maintain greater control over their assets. Thanks to this one-stop switching experience, FreeWill can meet the needs of very different profiles: from professional investors who prioritize speed and efficiency, to users who value above all else the security of their funds and the protection of their privacy.

          In terms of security, FreeWill has been designed to the highest standards, with the aim of offering users a first-rate level of protection. The platform applies multiple layers of encryption to ensure that transaction and fund information is protected from external threats. The separation between cold and hot wallets further reduces the risk of third-party attacks. In addition, FreeWill uses an AI-based risk management system that monitors trading behavior in real time to detect and mitigate potential security risks. At the same time, the platform has a rigorous due diligence process for adding new assets, ensuring that each listed token meets security and regulatory compliance criteria, thereby reducing potential risks for investors.
FreeWill’s business scope covers both spot and derivatives trading, offering users a wide range of options on digital assets. The platform supports trading with USDC and other major stablecoins, strengthening the liquidity of the ecosystem. In addition, FreeWill offers users savings and yield-generating products, providing more alternatives for managing their assets. For innovative projects, FreeWill has launched a specific channel for the initial launch and incubation of new tokens, with the aim of supporting high-quality initiatives and helping emerging projects access the market more easily. This approach demonstrates that FreeWill is not only a trading platform, but also an active driver of innovation and development in the crypto sector.
To better adapt to the Spanish market, FreeWill has made a clear commitment to localization. The platform offers an interface and content in Spanish, so that users can trade and manage their assets without language barriers. Likewise, customer service is adapted to Spain’s time zones and operational needs, ensuring quick responses and timely support. FreeWill also places special importance on regulatory compliance: it strictly adheres to local laws and regulations and actively promotes education on cryptocurrencies, helping users in Spain to better understand how the crypto market works and the risks associated with investing.
            In this phase of entry into Spain, FreeWill particularly highlights three distinctive advantages of its platform: its hybrid trading model, its robust security system, and its new project incubation channel. By combining the best of CEXs and DEXs, FreeWill not only offers an efficient trading experience but also ensures a higher level of fund protection and operational transparency. At the same time, the incubation and launch channel for new tokens positions FreeWill as the “first stop” for initial launches, providing emerging projects with a reliable foundation and contributing to the continuous innovation of the crypto ecosystem.
           The arrival of FreeWill Exchange promises to introduce a new dynamic to the Spanish cryptocurrency market. Thanks to its hybrid model, secure trading environment, and innovative channel for launching new assets, FreeWill not only offers Spanish users a revamped platform for trading cryptocurrencies, but also sets a new standard for the future development of crypto markets on a global scale. As the platform continues to evolve, FreeWill will remain true to its mission of “Free Will · Connecting the Future,” driving a healthier, more transparent, and innovative cryptocurrency market.
For more information, visit the official website freewillex.com, or download the official app for Android/iOS.
Android: https://psce.pw/8b7smy
iOS: https://apple.freewillex.com

Media Contact

Organization: Freewill Exchange Ltd

Contact Person: JEROLD FRANK KUTZ

Website: https://www.freewillex.com/

Email: Send Email

Contact Number: +17192581442

Address:1144 15th St, Denver, CO 80202, US

City: Denver

State: Colorado

Country:United States

Release id:38145

The post FreeWill Exchange Launches in Spain: A Secure Hybrid CEX+DEX Platform 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

Free Will Exchange: Comprehensive Security for Assets and Accounts

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1 hour ago

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November 29, 2025

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FreeWill Exchange prioritizes user security by implementing AI-based risk management and a strict separation of cold and hot wallets. With comprehensive measures like 2FA, address whitelisting, and real-time monitoring, FreeWill ensures maximum protection for both user accounts and digital assets while maintaining full transparency.

       With the rapid development of the cryptocurrency market, users’ demands for trading platform security are increasing. Especially after several security incidents in the industry, the issue of how to ensure the security of both assets and user accounts has become a focus of attention. In this context, FreeWill, as a leading global cryptocurrency exchange platform, places security at the center of its development strategy. Through the combined use of multiple advanced technologies—such as AI-based risk management systems, cold and hot wallet separation, and 2FA authentication—the platform has built a comprehensive end-to-end protection system designed to safeguard both user assets and accounts.
        When it comes to account security, FreeWill implements a variety of measures to comprehensively raise the level of protection. First, the platform uses two-factor authentication (2FA), providing an additional layer of security for each user. When logging in or making withdrawals, users must verify their identity via mobile phone or other devices, effectively reducing the risk of account theft. In addition, FreeWill offers an address whitelist feature, which limits withdrawal operations to pre-authorized addresses, thereby reinforcing the security of fund movements. At the same time, the platform employs an intelligent risk management system that monitors logins and withdrawal requests in real time, with the ability to quickly detect and block any anomalous behavior, ensuring account security.

        For asset security, FreeWill also adopts a defense-in-depth approach, ensuring that funds are protected at all times. The platform uses multi-signature technologies and a strategy of separating cold and hot wallets; most assets are stored in cold wallets, minimizing the impact of potential external attacks. At the same time, key fragmentation technology divides and encrypts each private key so that no single fragment is useful on its own, dramatically reducing the likelihood of key leakage or fund theft. To further enhance security, FreeWill maintains 24/7 monitoring of assets, with a security team ready to respond immediately to any potential incidents, ensuring that user funds remain in a state of maximum protection.
          In order to ensure that each new asset listed meets security standards, FreeWill has established a strict onboarding process. The platform conducts thorough due diligence on each token to be listed, including auditing the smart contract code to ensure there are no vulnerabilities. In addition, FreeWill collaborates with multiple auditing and regulatory compliance entities that perform comprehensive reviews of each asset prior to onboarding, verifying that it complies with industry standards and legal requirements. By defining risk management and compliance thresholds, FreeWill further strengthens the security of the listing process so that each user’s investment can be protected to the maximum extent possible.
         In terms of transparency, FreeWill is guided by the principle of “openness and transparency” and regularly publishes platform security reports, showing users the latest status of the system’s secure operation. The platform also provides proof of reserves (where applicable), allowing users to clearly understand the status of FreeWill’s asset reserves, which increases confidence in the platform. FreeWill also presents its fee structure in an open and transparent manner, so that users can clearly understand the fees applicable to their transactions, with no hidden costs.
          In the area of education and awareness, FreeWill places special importance on providing security training to Spanish users. The platform has launched anti-phishing guides to help users identify and prevent identity theft attacks. Through regular educational activities and online courses, FreeWill provides users in Spain with best practices for self-custody, teaching them how to manage their crypto assets securely. Through these training initiatives, the platform aims to raise awareness of security issues so that users can operate in the world of cryptocurrencies with greater confidence and peace of mind.
           Through continuous innovation and constant improvement of its security system, FreeWill is committed to providing a more secure, transparent, and user-friendly trading environment. From accounts to assets, and from the addition of new tokens to reports and commissions, every link in the chain reflects the importance the platform places on security. As FreeWill continues to grow, it will continue to promote the healthy development of the cryptocurrency exchange industry based on user protection, offering higher quality services to investors around the world.
For more information, visit the official website freewillex.com, or download the official app for Android/iOS.
Android: https://psce.pw/8b7smy
iOS: https://apple.freewillex.com

Media Contact

Organization: Freewill Exchange Ltd

Contact Person: JEROLD FRANK KUTZ

Website: https://www.freewillex.com/

Email: Send Email

Contact Number: +17192581442

Address:1144 15th St, Denver, CO 80202, US

City: Denver

State: Colorado

Country:United States

Release id:38146

The post Free Will Exchange: Comprehensive Security for Assets and Accounts 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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CARE MENA gathers the region’s most influential climate and sustainability leaders as its inaugural edition in Dubai

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4 hours ago

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November 29, 2025

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Dubai, UAE, 29th November 2025, ZEX PR WIRE, CARE MENA 2025, the Climate Action, Renewable Energy and Sustainability Forum by Trescon, is uniting the MENA region’s top policymakers, investors, and innovators at Madinat Jumeirah to advance sustainability, catalyse climate innovation, influence regional policy, and highlight the leaders defining MENA’s climate and ESG agenda. CARE is co-located with DATE, a Digitization, AI & Emerging Technology Summit.

Naveen Bharadwaj, CEO of Trescon, opened the Forum calling for decisive regional collaboration to scale sustainable solutions, emphasising the urgent need for coordinated action to drive measurable climate impact across MENA. Reflecting on the Forum’s significance, he said: “CARE MENA has been an extraordinary showcase of leadership, innovation, and collaboration. Over two days, we’ve witnessed the region’s top minds come together advance transformative climate action, share bold ideas, and celebrate those leading the way. The discussions, innovations, and awards from this Forum will resonate across MENA for years to come.”

During his keynote address, Dr Faisal Rashid, Senior Director at the Dubai Supreme Council of Energy, highlighted Dubai’s Net Zero ambitions and underscored its role as a benchmark for climate action across the region.

CARE convened the region’s most influential climate and sustainability leaders from the UAE, KSA, Lebanon, Kuwait, and beyond, driving high-level discussions on ESG leadership, climate innovation, sustainable finance, and transformative industry practices. Through a curated programme of panels, fireside dialogues, and executive roundtables, delegates exchanged insights, forged strategic partnerships, and propelled initiatives set to shape the region’s climate and sustainability agenda.

Speaking in here session, Alice Spencer, Executive Director of Education, Cambridge Institute for Sustainability Leadership, UK noted, “Industry collaboration is so important and will require aviation execs to step out of their usual patterns of leadership. Collaborating on shared problems in supply chain and technology then competing on product and service will be key to mobilise change at scale of industry.”

Innovation remained central to the Forum. At CARE Launchpad, thought leaders from across the region presented pioneering research, whitepapers, and major announcements, showcasing solutions set to accelerate MENA’s climate and sustainability agenda., demonstrating solutions capable of transforming climate resilience and operational sustainability across MENA. Student-led innovations impressed the attendees at the CARE Innovation Programme, demonstrating the next generation of sustainability, climate and solutions with the power to achieve impressive impact in addressing climate challenges.

“CARE has truly set the benchmark for sustainability and climate leadership in the region,” said Alex Pavan, Founder & CEO of emtribe. He continued, “The collaboration between policymakers, innovators, and investors is driving real-world solutions that will shape a low-carbon, resilient, and future-ready MENA economy.”

Five shortlisted start-ups went head-to-head at the ClimateTech World Cup, presenting pioneering solutions, engaging top investors, and earning mentorship, fast-tracking the next generation of climate innovators toward transformative impact. Circa Biotech emerged as the winner for their innovative waste management solutions.

Later today, the CARE ESG Awards by Trescon and ESG Mena, will recognise the region’s most outstanding leaders, organisations, and innovators shaping the future of sustainability, clean energy, climate resilience, and responsible growth.

Over two days, CARE MENA 2025 has drawn more than 1,000 attendees and 60+ speakers, including policymakers, investors, industry leaders, and innovators from over 30 countries. The exhibition floors have been abuzz with demonstrations, research unveilings, and partnership discussions, reinforcing the Forum’s position as the region’s premier platform for climate innovation, collaboration, and investment.

CARE MENA is Powered by emtribe, with CERO HERO and Enjazponic as Gold Sponsors, and S&P Global as the Silver Sponsor.

For more information, visit https://careforsustainability.com/mena/

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For media enquiries, contact:

Shadi Dawi

Global Director – PR and Media

M: +971 55 498 4989 | E: shadi@tresconglobal.com

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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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