Discover and read the best of Twitter Threads about #lending

Most recents (24)

The @wef has just released our evaluation of #stablecoins for #financialinclusion, looking closely through case studies about where they can help. We find no compelling added value from the use of stablecoins for financial inclusion. 🧵www3.weforum.org/docs/WEF_Value…
#Stablecoins are subject to the same barriers and constraints as pre-existing financial options (or higher barriers in some cases, e.g. need for internet and smartphones). They can also introduce important risks on economic and technical levels.
One must closely consider the specific barriers to #financialinclusion that exist in a region and how #stablecoins or other options might address them. Regional context is imperative to addressing the complex challenges with inclusion.
Read 6 tweets
1/ ¿Vieron el reporte de @BitwiseInvest? Son 19 carillas pero si les da ̶p̶a̶j̶a̶ pereza, dejo #hilo resumen 🧵

Se llama " #DeFi: un manual para inversores profesionales ".

Índice:
- Resumen
- ¿Qué es DeFi?
- Panorama
- Oportunidad
- Factores de riesgo
- Conclusiones
2/ Arranca diciendo que en las últimas décadas, casi todas las industrias importantes han sido remodeladas por la revolución digital, excepto las finanzas 👀
3/ Y que si bien gigantes como Apple, Amazon, Facebook y Tesla dan prioridad a la tecnología, la industria financiera mundial sigue dominada por instituciones centenarias de ladrillo y cemento 🧱
Read 45 tweets
[#Thread] Mesdames et messieurs, devant vos yeux ébahis (musique de cirque), nous allons aborder le thème :

Comment gagner de l'#argent avec les #cryptomonnaies

Thread à déguster très frais accompagné d'une coupe de Dom Pérignon bien assis dans votre fauteuil préféré. ⬇️
Avant de commencer, sachez qu'il n'existe pas de méthode miracle et chaque #investissement vous demandera du #temps ou de l'#argent.

Certaines méthodes vous permettront de gagner de l'argent de façon passive, d’autres demanderont un peu de travail et certaines compétences.
Ensuite, mon but est de simplement "donner des pistes" au travers de ce #thread.

Les caractères étant limités, des exemples ainsi que d'avantages d'#explications seront disponibles sur l'#article complet en fin d'article sur @AuCoinduBloc.

(L'article est un pavé)
Read 27 tweets
{Thread] Comment générer 20% d'APY sur le #stablecoin $UST avec @anchor_protocol

Toutes les différentes étapes pour savoir comment faire pour déposer sur la blockchain @terra_money

Enfilez votre maillot de bain de #yieldfarmers, mouillez vous la nuque, c'est parti ⬇️
Qu'est ce que @anchor_protocol ?

C'est un protocole de #lending/#borrowing, c'est-à-dire de prêt et emprunt.

L'application est basée sur la #blockchain @terra_money et son but est d'offrir à ses utilisateurs des rendements d'environ 20 % par an.
Comme la majorité des app du secteur comme @CelsiusNetwork, elle permet à ses membres d’emprunter/prêter de la #crypto via la technologie #blockchain.

@anchor_protocol va ensuite verser une partie de ses profits aux personnes ayant prêtés leurs #cryptomonnaies.
Read 30 tweets
[Thread] Day43 du défi #From0To10K

Voici un récap complet sur le défi et les gains #crypto réalisé avec les plateformes utilisées. Je ne peux pas être plus transparent.

Enfilez vos moufles, asseyez vous @AuCoinduBloc avec la verveine, nous avons un tas de choses à aborder !
Pour les personnes qui n'ont pas suivi le défi #From0To10K depuis le début, sachez que le défi a officiellement démarré le 27 Août 2021.

Le défi qui a démarré par un #ban temporaire de mon compte à cause des nombreux tweets...

Ca deviendra tôt ou tard un #NFT cette histoire !
Le changement de cap du défi #From0To10K

A la base, ce défi avait pour objectif de #gagner 10 000$ en ne partant de rien.

L'objectif était de vous donner les #astuces et mes façons de procéder pour faire vos propres bénéfices mais j'ai du réduire le rythme et réviser mes plans.
Read 26 tweets
// Qué plataformas #Lending utilizo para depositar mis activos y solicitar prestamos de stablecoins ? // 🧵

Cómo sabrán este es uno de los segmentos que más capitalización atrae en los protocolos #DeFi, por la sencilla razón que te permite "hipotecar" tus activos y endeudarte++ Image
1- a tasas nulas o muy bajas, permitiéndote apalancarte pero sin una tasa de financiación elevada como sucede en los contratos perpetuos de futuros.
De los protocolos más grandes en capital bloqueado, vamos a analizar 4, que son los que yo utilizo. El procedimiento es ++
2- similar en todos, lo que cambia son los #asset que uno puede boquear como garantía y los ratios % de margen que te permiten de deuda antes de una liquidación (vender tus activos para pagar lo que debes porque ya no cubren la deuda, generalmente por caida en su precio). ++
Read 28 tweets
Luego de algunas semanas de research en ALIBABA $BABA y dada la compleja comparación con otras empresas, decidí plasmar takeaways sobre el modelo de negocio de este gigante (vs similares de USA) del ecommerce $AMZN + fintech $PYPL + cloud service AWS + streaming $NFLX $SPOT.
🧵
Todos conocemos $BABA pero hay cierto halo de misterio/confusión sobre el #Businessmodel, su transformación, como lograron ser el "market-leading innovator" y la convivencia entre fundamentals y el PESIMO contexto del PCC de #china. Su ecosistema combina muchas empresas.
Fundada en 1997, año en que $AMZN hizo su IPO y un año antes de $EBAY's IPO, actualmente tiene un market cap de USD536B. Comenzó monetizando la publicidad en su boletín online de negocios y comercio, un modelo mas bien parecido al de $GOOG y $FB con altos márgenes operativos
Read 23 tweets
DeFi Q2 report is out! Full report will be released soon. Here is the thread of it! Please enjoy and email us if you have any thoughts about it or need any help.(research@tokeninsight.com)
#UNI became the most dominant token in the top 15 #DeFi tokens, accounting 37% of the top15’s mkt.cap, #10 among all cryptocurrencies. #AAVE became protocol with the highest TVL, more than $10bn. Only #MKR & #CAKE decreased in mkt.cap.
May 19 crash caused the price of #ETH halved, while the TVL of the total market decreased by only 40%. We witnessed the TVL peaked more than $100bn in May, a history record was made. 🚀🚀🚀
Read 27 tweets
1/Based on what are pools @SBF_Alameda + and some key blocks analyzing.

Let’s see what @ProjectSerum and @SBF_Alameda got in their heads.
2, Pools are essential parts of DeFi and have unreplaceable roles in AMMs, lending, yield farming, synthetic assets, insurance platforms,...

Basically, pools are places where you store assets and are locked in smart contracts.
3, This is like you put money in the bank, that money is used to lend and pay the interests for the lender or like insurance companies use money of the majority to pay for a few when accidents happen. Pools will be used to do whatever the projects tend to do.
Read 17 tweets
Yesterday, at the conclusion of my #NYU class discussing #Governance of #Bitcoin and #Cryptocurrencies, I posted this slide, summarizing my thoughts about what the #US can do to improve its #law and #policy related to #Crypto. A #thread on what we can and should fix:
First, establish an government wide-policy. What do we want? Are we pro -innovation? Do want to protecting consumers? Do we want to strike a balance in the middle?Do we want to facilitate experimentation? How much control will the govt take over these experiments? /2
Do we want to make it easier or harder to launch businesses/reach consumers? To make an effective policy, we either need an interagency group, or a new freestanding group focused on the subject. Whoever tackles it, step 1, what do we want? /3
Read 29 tweets
THREAD!!
1/ If you are wondering, how much higher the $DFI price can go, let me tell you: much, much, much higer, and this is why: #Bitcoin was the first #DeFi project and its function is that of creating value (it is better than anything else) and is starting to transfer value.
2/ This function is still at the very beginning though. @DeFiChain is covering functions of DeFi that Bitcoin does not have, but is building on the same fundamentals: it is a code fork, it is very interoperable, it needs Bitcoin for its security, and much much more - AND:
3/ it has the additional DeFi function sets of #lending, #exchanging, #staking and #tokenization. Bitcoin derives its value from people seeing it as digital gold. $DFI derives its value from people exchanging, staking, tokenizing and lending on the blockchain - natively!!
Read 12 tweets
The whole #NFT space is booming! We just saw @justinbieber using @genies platform to create an avatar.

And now @genies have just partnered with @flow_blockchain. So, @genies moves towards #NFT space very soon! coindesk.com/genies-avatars…
There’re more stunning projects incorporating #DeFi primitives just around the corner: @KardiaChain, @aavegotchi, and @urbit.

Moreover, people are packing value into NFT! Even LP tokens!
There’s even #NFT that represent collections of collectibles, e.g. someone owns several #collectibles and packs them into one #NFT. It’s a unique way to create value that drives #NFT space up.

foundation.app/blog/nfts-are-…
Read 8 tweets
I am humbled and privilleged to note that my #Research paper; "Sources of #Unemployment in #Lesotho" is now available and can be accessed via the People's Republic of #China's National #Science and #Technology #Library - #NSTL. I give thanks 😎 Image
So far this year, I have successfully published three #Research articles in #Macroeconomics & #Finance, with another two in press. I am currently hammering away at a handful of working papers which will most certainly find a home in reputable #Journals, come 2021 🙏🏽🙂 Image
Im currently internalising the very insightful reviewer comments on my latest #Research paper titled; "Investigating Determinants of Commercial Bank Spreads in #Lesotho", from the good folks over at the globally reputable #International #Journal of #Finance & #Economics #IJFE 😊 ImageImage
Read 52 tweets
Trying to make sense of this explosive #DeFi growth? 📈

My top 10 dashboards for tracking the health of #DeFi 👇🏼
1. Track the explosive growth of #DeFi users over time with this dashboard by @richardchen39: explore.duneanalytics.com/dashboard/defi…
2. Understand basic #Ethereum metrics using this dashboard by @alex_kroeger: explore.duneanalytics.com/public/dashboa…
Read 9 tweets
1/6 - Excited to share my first series of write-ups on #DeFi!

The DeFi Opportunity is intended to serve as a guide to navigating and capitalizing on the emerging opportunities presented by #DecentralizedFinance.

Series Roadmap:
medium.com/the-defi-oppor…
2/6 - The #DeFi Narrative: Critical advantages over traditional finance

medium.com/the-defi-oppor…
3/6 - The DeFi Ecosystem: #MoneyLegos and decentralized financial products

medium.com/the-defi-oppor…
Read 10 tweets
Finally, after so much wait, @RBI Governer comes out to provide much needed relief to economy - key announcements thread:

#RBI #economy #rbigovernor
1. Yes, even after all the projections of economic growth slip, India might still stay at the top of global economic growth chart (As per IMF).

#IMF #GDP
2. NBFCs, this time RBI has looked out for you.

TLTRO 2.0 - targeted long term repo operations of INR 50k crore ease the liqudiity issues, specifically for NBFCs.

#NBFC
Read 9 tweets
[THREAD] Our Network -- my new on-chain metrics newsletter, has surpassed 40k views 🎉

Humbled to say our readers hail from a16z, Castle Island, CoinFund, Dragonfly, Electric, Paradigm, Placeholder, Polychain, & more -- i.e. the world's top crypto funds.

ournetwork.substack.com
For the uninitiated, @OurNetwork__ can help anyone level up their on-chain metrics game.

Each week the newsletter features ~5 projects to address one question: How healthy is this network?

Analysis is approachable but nuanced, and jam-packed with visuals (examples below). ImageImageImageImage
We have assembled an all-star cast of contributor analysts who are some of the smartest data-driven minds in #crypto. They each cover a different project for the newsletter and to be completely honest: they deliver pro-level coverage that is way too good to be free. Roster below:
Read 15 tweets
Thread: The bulk of government action over the next few months should be directed to keeping afloat the many businesses with #coronavirus-related short-term cashflow problems.

The correct lever to pull here is not "#stimulus" (i.e. sending consumers checks) but "#lending".

1/8
Governments are rightly trying to "flatten the (infection) curve".

The more they succeed in this, the more businesses are headed for trouble. Some businesses just can't be run on ecommerce & work-from-home e.g. airlines, sports teams, restaurants, shows, most manufacturing.

2/8
Governments will need to spend most economic policy efforts supporting businesses that are short-term insolvent (fewer customers, fewer employees) but medium-term viable.

The best vehicle for that is probably bank guarantees - ie what Obama did for GM, but on bigger scale.

3/8
Read 8 tweets
Lets talk about #Argentina and the #IMF. Specifically, lets talk about the biggest IMF #Bailout in #History...
Before we start talking about #Argentina & how the #IMF has extended to them a #Bailout that is by far the biggest in the organisation's history, let us first appreciate what the functions of the IMF are...
The #IMF’s main goal is to ensure #stability of the #international #monetary & #financial #system. It helps resolve crises, and works with its 189 member countries to promote #growth & alleviate #poverty...
Read 12 tweets
2 key areas that Huang Yiping highlights in #China’s #market-oriented #reform:


1. #Interestrate liberalization
The government has been pushing #banks to lend more to private enterprises, while asking them to lower the lending rates, which can be very counterproductive.
As #SMEs are high-risk by nature, they should be charged with higher interest rates. What the government is pushing for is a mission impossible. Image
2. #Financial #innovation
Online #lending could possibly solve the problem. A good example is MYbank under #AntFinancial. They have 377 people in Hangzhou headquarter, but in one year they served 5 million customers and #SMEs relying on the mobile terminal and #bigdata analysis.
Read 4 tweets
1/n: LENDING (business) IS NOT A FEATURE.

And yes, distribution of lending/credit products is a ‘feature’ in some platforms/products.

Lending (CREDIT) is a business with many complex moving parts.

#long #fintech #thread #lending
2/n: In fact “Lending (Credit) is older than money and FinTech.” (medium.com/@gaurav.sharma…)

There’re lot of tweets (within the FinTech community in India) about Whether 'lending is a feature' or not? So, let’s unpack that a bit..
3/n: True definition of Lender = Lending Money from own balance-sheet (i.e. skin in the game). The primary revenue here is Interest Income (Net Revenue from Funds), and margins computed basis NIM (Net Interest Margin) and COF (Cost of Funds).
Read 24 tweets
Malaysia menjemput lebih ramai pemain untuk mengambil bahagian dalam #p2p #lending dan #crowdfunding ekosistem mereka #fintech #banking #SMEs
Kemas kini: Kami telah dimaklumkan oleh Suruhanjaya Sekuriti bahawa terdapat lesen tambahan telah diberikan untuk Equity Crowdfunding kepada Funnel Technologies Sdn Bhd, menjadikan jumlah pemain ECF 7 di Malaysia.
Senarai Market Operators berdaftar dengan Suruhanjaya Sekuriti

Umum

1 Bay Supply Chain Technology Sdn Bhd
2 Bursa Malaysia Bonds Sdn Bhd
3 Citibank Berhad
Read 5 tweets

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