5月19日，Claim創始人兼首席執行官Ivan V.Anichkov做客深鏈學堂線上沙龍，圍繞“穩定幣還有新玩法？信用穩定幣協議Claim了解一下！”這一主題進行分享。以下為分享實錄，深鏈財經略有整理。
分享環節
感謝邀請，我叫Ivan Anichkov，是Claim的創始人兼CEO。
我畢業於加州州立大學海沃德商業與經濟學院。我本人有15年的金融產品開發和服務的經驗，在AI和區塊鏈領域同樣也有豐富的經驗，同時我也是IBM東歐/亞洲區的顧問。
基於我以前的經歷，目前我召集了一個專業的策劃團隊，並創建了Claim。
So yes, thanks for inviting here.
My name is Ivan Anichkov, I'm Founder and CEO of Claim.
I have graduated from the Hayward Institute of Business and Economics, California State University. 15 years of experience in financial product and service LoB. Consultant of IBM, Eastern Europe/Asia. I have an extensive experience in AI and blockchain.
Given my past experience, I've gathered a mastermind team to create Claim.
So yes, it's my brief intro. Next question please.
問答環節
深鏈財經：目前市面上的穩定幣類型大概分為三種，一種是以USDT為代表的法幣錨定型穩定幣；一種是DAI為代表的加密貨幣錨定型穩定幣，還有一種是近年來比較火熱的算法穩定幣，以算法來調節流通供應量。而我們的Claim主打信用穩定幣，似乎與上述三種穩定幣都不一樣，能否為我們介紹下Clain的原理和特點？
There are three types of stablecoins on the market. One is fiat anchor stablecoin represented by USDT; One is the cryptocurrency anchor stablecoin represented by DAI, and the other is the algorithmic stablecoin that has been popular in recent years, which adjusts the circulation supply by algorithms. However, Claim is focusing on credit stablecoin, which is different from the above three stablecoins. Could you please introduce the principle and characteristics of Claim?
Ivan：好問題，給我點時間來書寫答案。
時至今日，在DeFi穩定幣的發展過程中，最廣泛使用的模型仍然是針對抵押資產鑄造的穩定幣，就像以美元抵押發行的USDT以及超額抵押的DAI。
和他們不同的是，Claim能夠不完全依賴鑄造者資產的當前價值，將資產未來的預期收益也作為可信任的抵押品，從而大大提升穩定幣的資金利用效率。
Claim協議允許用戶抵押持有的資產，並生成穩定幣cUSD。此外，該協議還允許用戶通過聚合收益平台存放資產進行資金分配，並產生投資收益。這些資產的投資回報率同時也將作為Claim公司信用體系的支撐價值。
在我們的模型中，用戶存放的資產不僅可以作為抵押品獲得穩定幣cUSD用於資金流通，還可以享受到資產預期收益所形成的信用槓桿，從而大大提高了協議的實用性。
這是最本質的不同。
Good question! Let me some time to write an answer.
Yes, so, throughout the development of DeFi stablecoins, the most widely used model is still of stablecoins minted against pledged assets, as you mentioned in case of USDT and DAI.
Quite instead, Claim can not completely rely on the current value of the mint's assets, but the expected future returns of the assets will also be used as trusted collateral, which will greatly improve the asset utilization efficiency of our stablecoin.
The Claim protocol allows users to pledge assets held by others and generate stablecoin cUSD. The protocol allows users to deposit assets through the aggregation income platform for capital allocation and generate investment income.
The ROI in these assets will serve as the support value of Claim's credit system. In our model, the user's deposited assets can not only be used as collateral to obtain stablecoin cUSD for capital circulation, but also can enjoy the credit leverage formed by the expected return of assets, which greatly enhances protocol's utility.
That's the difference essentially. I'm OK, please next question.
深鏈財經：目前來說，USDT類型的穩定幣和DAI類型的穩定幣佔整個穩定幣發行總量的93%左右，而後起之秀的算法穩定幣，雖說市場佔比不高，但新項目卻層出不窮。穩定幣市場競爭不可謂不激烈。我想問下，我們Claim相較於其他類型的穩定幣，有何出奇制勝的法寶和優勢？
For now, USDT stablecoins and DAI stablecoins account for about 93% of the total issuance of stablecoins, while the up-and-coming algorithm stablecoins, although the market share is not high, but new projects are emerging one after another. Competition in the stablecoin market is fierce. I would like to ask, what is the advantage of Claim compared to other types of stablecoins?
Ivan：我喜歡這個問題。
回答你的問題——這實際上都是關於Claim如何工作的。
在初始階段，DAI將作為質押資產得到支持。用戶存入穩定幣DAI後，cUSD將按1:1的比例鑄幣。該協議將利用用戶的存款資產和cUSD通過聚合收益平台進行資產分配，形成投資收益。
如前所述，在我們的模型中，用戶存放的資產不僅可以作為抵押物獲得穩定幣cUSD用於資金流通，而且可以作為資產預期收益形成的信用槓桿，大大提高了協議的實用性和資產有效性。
這就是Claim有別於其他穩定幣的地方。
Nice! I love your questions.
Answering your question — it's really all about how Claim works.
DAI will be supported as a pledge asset in the initial stage. After the user deposits the stablecoin DAI, cUSD will be minted at the ratio of 1:1. The protocol will use the user's deposited assets and cUSD to allocate assets through the aggregated income platform to form investment income.
As said before, in our model the user's deposited assets can not only be used as collateral to obtain stablecoin cUSD for capital circulation, but also as a credit leverage formed by the expected return of assets, which greatly enhances the utility of the protocol and assets effectiveness.
This is what makes Claim distinct from other stablecoins.
深鏈財經： Claim目前支持Dai這一種穩定幣作為協議質押資產。用戶在存入Dai後，將按照1:1的比例鑄造cUSD。我好奇的是，我們cUSD的應用場景有哪些？
Claim currently supports the stablecoins DAI as a protocol pledge asset. cUSD will be cast in a ratio of 1:1 after the user deposits the above Dai. What I'm curious about is, what are the application scenarios of cUSD?
Ivan：從本質上說，Claim是合成資產協議的第一個近似的形式。所以我們設想人們可以通過創造美元來借貸，從而獲得被動收入。
正如我所相信的，Claim可以成為全世界人們進入DeFi空間的一個重要入口，由於它類似於傳統金融的運作方式，增強了它的潛力，並增加了技術上經過實戰驗證的視角——它是區塊鏈、安全的、不可變的等等。
最重要的是，我相信Claim能促進金融包容性。
Claim就像銀行一樣，但同時消除了銀行所固有的瓶頸。
Essentially Claim is the very first approximation of a synthetic assets protocol. So we envision that people can generate cUSD to lend, to borrow, to have a passive income and so on.
As I believe, Claim could become a single point of access to the DeFi space for people worldwide, as it resembles how traditional finance works, but enhances its potential and add a technological battle-proved perspective — it's on blockchain, secured, immutable and so on.
At the bottom line of this, I believe Claim can foster the financial inclusion.
So yes, Claim is like banking, but with all bottlenecks of banks wipped out.
深鏈財經：一直以來，穩定幣就遭受著黑客的威脅。就在去年，Origin Protocol所發行的穩定幣就曾遭受黑客攻擊，蒙受700萬美元的損失。我想了解下，為了防止黑客攻擊，Claim做了哪些應對？
Stablecoin has been under threat from hackers for a long time. Last year, the stablecoin that launched by Origin Protocol was hacked, resulting in a $7 million loss. I want to know, in order to prevent hacker attack, what does Claim do?
Ivan：事實上，從一開始，Claim團隊就消除了在技術級別上與用戶資產直接接觸的可能性。
在Claim中，所有的操作都是通過智能合約進行的，用戶權限只能由自己操作，因此也消除了惡意操作的可能性。
我們還採用了多重簽名設計、分池隔離、代理合約等技術來隔離用戶資產和平台保險對沖基金。
此外，為了證明滿足了最高的安全標準，我們還將我們的代碼發送給了SlowMist security Audit進行審查。審核號為:0X002104150004，綜合評估該合同無風險。
Indeed, from the very beginning, the Claim team has eliminated the possibility of direct contact with the user's assets at the technical level.
All operations are performed through smart contracts, and the user's rights can only be operated by themselves, eliminating the possibility of malicious actions.
We have also adopted the multi-signature design, pool separation, proxy contract, etc., to isolate user's assets and platform insurance hedging funds. To prove the highest security standards are met, we sent our code for review to SlowMist Security Audit. The audit number is: 0X002104150004, and the contract has no risks in a comprehensive assessment.
深鏈財經：我們看到，Claim除了發行穩定幣之外，還推出了CLAIM代幣挖礦活動。能否為我們介紹下挖礦活動是什麼樣的嗎？
Claim not only issue stablecoin but also launch CLAIM token mining activity. Can you introduce to us what the mining activity is?
Ivan：是的，當然。
我們將進行為期六週的採礦活動，並將分發大約1200萬美元的CLAIM代幣。加入我們的Telegram聊天，我們的社區團隊成員將提供幫助。
https://t.me/claimofficialcommunity
Oh yes, sure.
A 6-week mining activity will be carried out and approximately 12 million $CLAIM tokens will be distributed. To participate, join our Telegram chat and our community team members will help.
https://t.me/claimofficialcommunity
深鏈財經：目前，Claim計劃將於5月23日在DODO上進行IDO，並會在下月初上線交易所。我想問下，除此之外，Claim接下來，還有那些重要的發展節點？
For now, Claim plans to have IDO on Dodo in the middle of the month, and will be launched on exchange at the beginning of next month. I want to ask, what are the other important development points of Claim?
Ivan：是的，基本上Claim將首先在以太坊網絡上發布，然後在幣安智能鏈上發布。此外，我們正在考慮與其他網絡的跨鏈功能，如Polkadot, Tron, Solana等。
我們將在本季度晚些時候或下個季度提出一個技術路線圖。
Yes, so basically Claim will be launched on the Ethereum network first, and then on Binance Smart Chain. Besides, we're thinking about a cross-chain functionality with other networks, like Polkadot, Tron, Solana and some others.
We will present a technical roadmap later this quarter/next quarter I think.
