[Wombo22] grayman make interesting point https://www.ergoforum.org/t/ergo-after-central-banks/4852/4?u=realisticclock

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[Wombo22] grayman make interesting point https://www.ergoforum.org/t/ergo-after-central-banks/4852/4?u=realisticclock

#cryptocurrency #english #ergo

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сегодня 11:51

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cannon_q
Banks historically fail without guardrails. P2P le...

[wombo22] that would be interesting for sure, just wondering how long until if not already all these crypto protocols becoming the new usury obsessed cabals

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2 часа назад

cannon_q

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[wombo22] that would be interesting for sure, just...

That was my point in a way... need collateral or trust to get fiat. P2P how do you measure trust when anyone can obfuscate, intentionally or not, true picture with multiple wallets. I don't need to know all your wallets to make a lending decision but by nature of cryptography it allows one to hide past sins easier, which could be detrimental to lender (asymmetric information). This is why, for me, I prefer ducky over sigmafi ... would like there to be a hybrid as mentioned above. But pooled lending has SC risk, as does p2p SC lending, with less downside risk.

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2 часа назад

cannon_q · Accepted Answer

Banks historically fail without guardrails. P2P lending is risky irl and on blockchain, especially when you cannot walk over and punch someone in the head. Ducky is a fair compromise and has protection of lending capital as the core tenant. Issue is how to borrow what you perceive to be needed when you don't have sufficient collateral? Obviously you should take small loan and payback on time, building faith in your ability to repay. Not sure where curated systems (decision based lending or excess/surplus insurance for example) can be done trustless. Would be neat if had product that had pooled money and could autofund a loan based on a set of wallets (or singular wallet) and provide and interest rate with parameters or discounts for associations with projects (dao tokens, etc) that would in theory show one is more committed to chain/ecosystem.

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[Wombo22] grayman make interesting point https://www.ergoforum.org/t/ergo-after-central-banks/4852/4?u=realisticclock

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