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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

Woven Introduces Free Website Grader for Speed, UX, and SEO Checks

Published

11 hours ago

on

January 27, 2026

By

Woven has released a free Website Grader that reviews a website’s speed, user experience, and SEO.

Singapore, 27th Jan 2026 – Woven has released a free Website Grader that reviews a website’s speed, user experience, and SEO. It generates a report after you enter a URL, with mobile and desktop results shown side by side.

The tool is meant for teams planning upgrades, content pushes, or landing page work tied to marketing automation. It can also help you spot issues before spending time on bigger rebuilds.

Woven is listed in the HubSpot Solutions Directory as a Diamond Tier HubSpot partner, supporting HubSpot onboarding and related work.

For teams working with a HubSpot consultant, the grader can act as a quick first check. It gives a shared view of what may be slowing down pages and hurting usability.

What The Website Grader Checks

The Website Grader is designed as a quick assessment tool. You paste a site link, then receive a report focused on three areas.

It looks at speed signals that affect how fast a page feels. It also checks user experience basics that shape how easy a page is to use. It then reviews core SEO items that support search visibility.

The output is presented as a simple score-based report. It also separates results by device type, since mobile and desktop can behave very differently.

Why Speed And Usability Still Matter In 2026

A lot of web traffic now comes from phones. StatCounter reports that mobile made up 54.23% of global traffic in December 2025.

That shift matters because mobile users are often on slower networks. They also have less patience for heavy, slow pages. A site that works fine on desktop can still feel painful on mobile.

Sites are also getting bigger over time. The HTTP Archive Web Almanac reports that the median mobile page weight was 2,311 KB in October 2024.

That extra weight often comes from images, scripts, and third-party tools. These can stack up, even when each change feels small.

A Small Speed Gain Can Have Real Impact

Speed improvements are not just “nice to have.” They can affect how many people finish a task.

Google’s web.dev case study summary reports that a 0.1 second mobile speed improvement can raise conversions by 8.4% for retail sites.

That is why many teams treat performance checks as part of normal campaign prep. It is also why site health tools keep showing up in weekly workflows.

How Teams Can Use The Report Without Overthinking It

The most useful way to use a grading report is to look for patterns. If multiple pages have the same issue, fixes tend to be faster.

One common approach is to run the grader on a homepage, a key landing page, and a top blog post. That gives a rough view of your templates, not just one URL.

From there, teams can decide what to fix first. Many pick the changes that reduce load time and remove friction on forms. Others start with mobile layout issues that make pages hard to read.

Where It Fits Alongside Hubspot Work

Woven positions itself as a HubSpot specialist team that supports CRM and growth work.

For teams building new landing pages or rebuilding a site, the Website Grader can support early checks. It can also help align marketing and web teams on what “done” looks like.

It is not a replacement for deeper audits. But it is a fast way to spot obvious gaps and track progress over time.

Woven’s Website Grader is available online and provides mobile and desktop results after a URL scan.

About Woven

Woven is a Singapore based digital experience consultancy and HubSpot partner 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:40693

The post Woven Introduces Free Website Grader for Speed, UX, and SEO Checks 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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IPO Genie Announces Referral Program to Support User Network Growth

Published

11 hours ago

on

January 27, 2026

By

The platform has introduced a referral reward for inviting new users. Rewards are credited to user wallets based on eligibility rules.

United States, 27th Jan 2026 – Belize, Central America, January 25, 2026, IPO Genie ($IPO) is a blockchain-based platform focused on access to curated private-market opportunities. IPO Genie ($IPO)  announced the launch of a referral program on Friday, 9th January 2026. It is designed to help users invite new participants through a structured, rule-based onboarding flow and a dedicated tracking dashboard.

Key Takeaways

  • IPO Genie has introduced a referral program intended to support user-led network growth through invitation codes and an in-app tracking dashboard.
  • The program includes eligibility requirements and anti-abuse rules intended to limit repeat use and self-referrals.
  • Rewards, when applicable, are credited to users’ IPO Genie wallets and are intended for use within the platform as features roll out.

IPO Genie said the program is intended to formalize how community members share access to the platform by using a single unique code per user, entered during the purchase process. The company added that referral status and outcomes are shown in a dashboard to improve transparency for participants.

Program Overview

Under the new program, users can locate a unique referral code in their referral dashboard and share it with friends or community members. A referral is claimed when a new user applies a valid code during checkout and completes a qualifying purchase. Rewards, when applicable, are credited to both parties and appear in the IPO Genie wallet after confirmation. A referral program that credits eligible users based on predefined rules

Program Rules and Controls

IPO Genie stated that the referral system includes restrictions intended to keep usage consistent across participants, including:

  • One referral code per user
  • No self-referrals
  • One-time use per new user identity
  • Repeat attempts by the same identity are marked invalid
  • The same referrer and referred pairing cannot generate repeated rewards
  • Codes remain valid without expiration, while repeat rewards from the same person are restricted

The Web 3 company’s rules are designed to reduce duplicate redemptions and maintain a consistent referral experience.

Wallet Credit and Dashboard Reporting

IPO Genie’s referral credits are claimed to users’ IPO Genie wallets, and the referral dashboard provides real-time visibility into referral history and total reward earnings. The company added that wallet credits are intended to be usable within the platform as additional features become available.

Community-Led Growth in a Larger Crypto User Base

Crypto adoption has continued to broaden in recent years, with industry research estimating hundreds of millions of crypto owners globally by the end of 2024. IPO Genie said it is introducing structured referral tooling as one way to support community-led onboarding as participation expands.

About IPO Genie

IPO Genie is building a platform that aims to bridge blockchain infrastructure with curated access to private-market opportunities, using on-chain processes for transparency and a tiered participation model. The company’s whitepaper describes features that may include compliance workflows, custody and security controls, and governance mechanisms as the platform develops.

Risk Disclosure

Digital assets involve risk and can be on blockchain-based platforms, which may involve liquidity, technology, and regulatory uncertainties, and users should evaluate risks carefully. IPO Genie does not provide investment, legal, or tax advice.

 

 

Media Contact

Organization: IPO Genie

Contact Person: Mark

Website: https://ipogenie.ai/

Email: Send Email

Country:United States

Release id:40516

The post IPO Genie Announces Referral Program to Support User Network Growth 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

Songji Biotech Launches 1,000-Dalton Marine Peptides Backed by Hualien Tzu Chi Hospital Research Collaboration

Published

11 hours ago

on

January 27, 2026

By

Songji Biotech Enterprise Co., Ltd. (SGBE) has announced the commercial launch of standardized 1,000-Dalton marine collagen peptides, scientifically validated for anti-aging efficacy through a collaborative study with Hualien Tzu Chi Hospital. Derived from sustainable milkfish scales using proprietary enzymatic hydrolysis technology, these low-molecular-weight peptides are engineered to overcome transdermal absorption barriers. SGBE supports the global market through its proprietary brand, Fishelton, and provides comprehensive OEM/ODM services from its ISO 22716 and GMP-certified facilities.

Taiwan, Taiwan, 27th Jan 2026 – Songji Biotech Enterprise Co., Ltd. (SGBE) today announced the commercial launch of its standardized 1,000-Dalton marine collagen peptides. This release follows a collaborative study with Hualien Tzu Chi Hospital that validates the ingredient’s potential in anti-aging applications. By utilizing enzymatic hydrolysis technology on milkfish scales, the company has achieved a molecular weight significantly below the 1,500-Dalton threshold, addressing a key technical barrier in transdermal absorption for the cosmetic industry.

Collaborative Research on Peptide Efficacy

To verify the biological activity of its ingredients, Songji Biotech partnered with the research team led by Vice Dean Huang Zhi-yang at Hualien Tzu Chi Hospital. The study utilized an H2O2-induced human skin fibroblast aging model to evaluate the specific collagen peptides produced by SGBE.

According to preliminary findings presented at the Healthcare+ Expo, the peptides showed no cytotoxicity in the tested models. The data indicated that SGBE’s peptides contributed to increased cell survival rates and a reduction in inflammation markers mediated by NF-κB. Furthermore, the study suggested a positive correlation between the application of these peptides and collagen synthesis within the cellular model.

Overcoming the Molecular Weight Barrier

SGBE reports that its proprietary process consistently yields peptides with a molecular weight of approximately 1,000 Daltons (approx. 100 nanometers). This is a significant differentiation in the market, where standard animal-derived collagen typically ranges from 300,000 to 500,000 Daltons.

This low-molecular-weight profile is engineered to enhance solubility and stability against heat and acid. Technically, it allows the peptides to penetrate the stratum corneum more effectively, making them suitable for high-performance skincare formulations and functional oral supplements.

Sustainable Sourcing and Quality Assurance

The peptides are sourced exclusively from the scales of milkfish (Chanos chanos), a byproduct of Tainan’s local aquaculture industry. This ensures a sustainable supply chain free from mammalian disease concerns.

“Our development focus is to bridge the gap between biotechnology and aquaculture,” said Chiou Yang-haw, General Manager of Songji Biotech Enterprise Co., Ltd. “With the scientific data provided by our collaboration with Hualien Tzu Chi Hospital, we can now offer our global OEM partners a raw material that is not only sustainable but also scientifically verified for safety and efficacy.”

Manufacturing Compliance

Songji Biotech confirms that its production facilities have maintained ISO 22716, GMP, and HACCP certifications. The company’s ingredients are registered under the International Nomenclature of Cosmetic Ingredients (INCI), facilitating immediate adoption by international beauty and healthcare brands.

About Songji Biotech. Enterprise Co., Ltd.

Songji Biotech. Enterprise Co., Ltd. is a biotechnology company headquartered in Tainan, Taiwan, dedicated to the high-value utilization of marine resources. Through its proprietary extraction technologies, the company produces the Fishelton brand of skincare and health products and provides comprehensive OEM/ODM services for the global market.

For more information, please visit: https://fishelton.com.tw/?lang=en

Related Video Introduction: 

Media Contact

Organization: Songji Biotech. Enterprise Co.,Ltd.

Contact Person: Chiou Yang-haw

Website: https://fishelton.com.tw/?lang=en

Email:
service@fishelton.com.tw

Contact Number: +886800777978

Address:No. 14, Xinjia St., Xinying Dist.

City: Tainan

State: Taiwan

Country:Taiwan

Release id:40383

The post Songji Biotech Launches 1,000-Dalton Marine Peptides Backed by Hualien Tzu Chi Hospital Research Collaboration 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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