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      "title": "What does DEFI insurance really mean, and does InsurAce serve the said purpose?",
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      "parent_permlink": "defi",
      "author": "lamcouz",
      "permlink": "what-does-defi-insurance-really-mean-and-does-insurace-serve-the-said-purpose",
      "title": "What does DEFI insurance really mean, and does InsurAce serve the said purpose?",
      "body": "//Till date of publishing this, InsurAce has announced an initial token launch using Balancer Liquidity Bootstrapping Pool. It's strongly advised for everyone to stay patient and conscious of strategy to purchase this. Further details please refer https://medium.com/insurace/insurace-initial-token-launch-ea7ac31cc3c1\n\nYEAR 2020 is where the 'DEFI BOOM' started, prospered and still growing now. DeFi development covers a vast range of areas including decentralized transactions, lending, stablecoin derivatives synthesis, fixed staking, asset aggregators, etc, it has become a phenomenon that is just too diversified and far-reaching to be unseen by anyone, esp those in the blockchain area. The total lock-up volume of the DeFi market has also increased by 30 times in the past year, and has reached the level of US$50 billion.\n\nAlongside the prosperity, however, smart contract security issues that have been exposed by projects such as bZx and Harvest are also becoming more frequent. According to draft statistics gathered from SlowMist Technology, there were 54 smart contract and token security incidents throughout 2020, and the losses incurred are often in the great dimension of dollar value (in range of millions USD), and the total loss incurred is more than 250 million U.S. dollars. The security issue can be seen as Achille's heel of DeFi development.\n\nTherefore, the necessity and demand for DeFi insurance become prominent on the horizon. Comparing it with conventional insurance in the mainstream financial market, DeFi insurance is in a very early stage of development - the total insurance policies of the two star projects of NXM and Cover are only 30 million U.S. dollars. The funds covered by the policy were only US$1 billion until the beginning of March, which is still less than 2% of the entire DeFi market.\n\n![image.png](https://cdn.steemitimages.com/DQmYQzEDshaNckbBogX8vRcYrdkppt6WshGPmEwCSs4m8sr/image.png)\n\nIt's just small step to start the giant leap, and the DeFi world needs strong insurance services to escort it. InsurAce, the first DeFi insurance product operated by professional insurance and financial team, is one of its potential candidate to pioneer the market.\n\nSO, WHAT IS INSURACE?\n\nInsurAce is a decentralized DeFi insurance protocol that aims to provide DeFi users with reliable, robust and worry-free DeFi insurance services. Its distinctive advantages include extremely low premiums, stable income, rich product lines, and low barriers to entry. Provide DeFi users with guaranteed and profitable insurance services.\n\nAs a community-driven decentralized open insurance platform, InsurAce has fully mobilized the three parties i.e. policy holders, insurers and investors - all of them can obtain platform governance tokens by providing liquidity (participating in SCR liquidity mining, detailed below) to therefore maximizing capital utilization.\n\n\n![image.png](https://cdn.steemitimages.com/DQmWnYha754SJcnj5bhXTtZ9t3fpeAjZy49Qtso7zWTEudD/image.png)\n\nAt the same time, InsurAce refers to the business model of traditional insurance companies, builds a DeFi investment sector based on insurance, uses insurance to escort investment, and uses investment income to cover insurance services, and finally builds a two-pronged positive cycle model of insurance + investment to create a safe DeFi portal, and continue to create revenue for users.\n\nTherefore, InsurAce is not just a single platform for providing insurance business, but also a comprehensive platform with investment and financial management functions.\n\nWHAT IS THE UNIQUE SELLING POINT OF INSURACE?\n\n1) Portfolio-based, \"unified-package\" insurance products\nThe biggest feature of InsurAce is Portfolio-based unified-package offering of products. Unlike traditional single insurance products, InsurAce can support a \"unified-package\" of insurance products. Users no longer need to purchase a single insurance product multiple times one by one, but buy it all at once with comprehensive coverage.\n\nBecause different from the relative independence of insurance objects in traditional insurance, the various agreement products in the DeFi world often share benefits and risks due to their composability. For example, the security incident of bZx in February 2020, it directly involves the mutual contract calls between 5 DeFi products (dYdX, Compound, bZx, Uniswap, kyber).\n\nTherefore, this \"package\" insurance product is more in line with the actual insurance needs of the DeFi world-users can flexibly purchase insurance products with a \"package\" price at one time based on their risk exposure in multiple DeFi agreements. It is especially suitable for users who use contract assets for Farming.\n\nThis innovative design not only greatly enriches the product line and enhances the user experience, but also effectively reduces insurance costs, improves capital efficiency, expands DeFi insurance coverage, and achieves sustainable return on investment.\n\n![image.png](https://cdn.steemitimages.com/DQmSRGjetUkKQLK6ut4n8E9of6WEtKTt9DbzJ7SquER97KS/image.png)\n\n2) SCR (Solvency Capital Requirement) Mining Mode\nIn addition, InsurAce has also pioneered the SCR (Solvency Capital Requirement) mining model, whereby policy holders, underwriters and investors can participate in SCR liquidity mining to obtain platform governance tokens by participating in InsurAce's insurance and investment business.\n\nIn this case, users can inject sufficient liquidity into the insurance fund pool through pledged assets, and obtain platform tokens as rewards, thereby providing greater insurance capacity and higher returns.\n\nTherefore, the innovation of the SCR mining model will greatly increase the fund pool, underwriting capacity, investable fund pool, and reduce insurance premiums at the same time.\n\n3) Two-prong mode of insurance + investment\nIn addition to providing insurance products, users can also choose investment products in InsurAce. Investment products are divided into low-risk investments and high-risk investments:\n\n- Low-risk investment is that the platform uses the idle part of insurance funds to make some sound investments;\n- High-risk investment means that users can choose to purchase investment products;\n\nThe income of the two investment products will be used to subsidize the premiums of users. All investment products have insurance to provide security. The insurance sector and the investment sector are linked, complementary, and mutually guaranteeing dynamic relationships:-\n \ni) The low-risk safe funds in the insurance fund pool can enter the investment sector fund pool to obtain higher returns, while the insurance sector provides security guarantees for users' investment behavior. Investment and wealth management products are protected by insurance, while investment and wealth management income subsidizes user premiums\n\nii) InsurAce will conduct strict risk assessment and division of the investment and financial management and insurance funds provided, which improves the utilization rate of funds and also guarantees risk control\n\niii) The InsurAce platform obtains a stable and sustainable income model through insurance premiums and investment income, which will be used for operation and maintenance/development expenses, token repurchase, community incentives, ecosystem construction, etc., thus forming a virtuous circle of dynamics Economic model and ecosystem\n\n![image.png](https://cdn.steemitimages.com/DQmeLHehbgwFaWRQfxL4Av4RC57uQc1ADMgC5Uj8pQgHkXS/image.png)\n\nAnd compared to the peer-to-peer insurance model (binary option design such as COVER), InsurAce eliminates the hidden dangers of funds security brought to users by the \"bet-to-play\" model, truly returning DeFi insurance to the nature of insurance, and is the only one on the market that can effectively reduce premium, and let users to enjoy a \"0\" insurance premium DeFi insurance platform.\n\n4) InsurAce compensation and governance mechanism\nNexus Mutual (NXM), the originator of DeFi insurance, belongs to the \"blockchainization\" of traditional insurance-adopting the co-insurance model of traditional insurance, and the actuary sets a premium rate ( In view of the security of the project's own contract), the funds of policy holders are collected, and members form a community to share risks and share premium income.\n\nAs a community-driven insurance project, InsurAce also adopts the concept of mutual insurance fund pool, but through the original insurance sector and investment sector linkage mode, targeted professional-level innovation and optimization-with With the continuous growth of business, the scale of InsurAce's insurance fund pool will continue to increase, which will fundamentally solve the problem of the ability to pay users.\n\nOn this basis, InsurAce's insurance compensation and governance mechanism has truly democratized the community, and the compensation process will be highly dependent on community governance. When InsurAce receives a compensation application, the InsurAce claims advisory team will investigate and verify the application, and Initiate a reference proposal to the community.\n\nAfter the proposal is submitted to the community, the process is as follows:\n  \ni) Community members have pledged INSUR tokens to become claim assessors (Claim Assessor), and vote on whether to settle claims based on the investigation proposal of the claims advisory group. The voting period is 36 hours. If the voting fails to produce a valid result within 36 hours, it will be extended to 72 hours;\n  \nii) If the vote reaches the minimum number of votes (Quorum) and there is a clear result, it will enter the feedback time (24 hours). If within this period, there are community users who have objections to this claim, they can appeal. At this time, a third-party independent arbitration institution will enter to form the final settlement resolution;\n  \niii) If within the feedback time window, community users have no feedback on the settlement result, the settlement will be processed according to the voting result;\n  \niv) For the claims judges participating in the voting, INSUR tokens will be obtained as an incentive;\n\nAnd the InsurAce governance mechanism will adopt the DAO governance mechanism widely used in DeFi projects at present, and the INSUR token will be used as the governance token for voting and incentives. The principles of the InsurAce governance mechanism include:\n\n   - Ensuring the safety of user funds is the highest principle of the platform. Any use, transfer, investment, etc. of user funds will be determined by the community;\n   - Encourage community participation to the greatest extent on major issues such as commercial design, product launch/offline, function addition/offline, technical evolution, version change, etc.;\n   - If community governance fails, the platform will also initiate emergency measures to ensure the normal operation of the platform and ensure the safety of user funds.\n\n5) $INSUR tokenomics\n\nThe InsurAce platform will issue standard ERC20 tokens INSUR as governance tokens to incentivize participants in the ecosystem.\n\nThe main purpose of INSUR currently includes representation of voting rights in community governance, such as participation in claims evaluation, proposal voting, and strategic decision-making. And vote on mining incentives to support the liquidity of insurance risk underwriting, capital reserves and investment products in the insurance asset pool. In addition, INSUR holders are also eligible to share the benefits generated by the InsurAce agreement by participating in project construction, community contribution and governance.\n\nIn the future, the value of INSUR tokens will be further enriched with the development of the InsurAce protocol.\n\nAt present, the official has published the economic model of INSUR token, as follows:\n\n![image.png](https://cdn.steemitimages.com/DQmcNNwAzK3yXwUrXNp1v5AVvxj5tMs1xDk5gsXwb71WF14/image.png)\n\nInsurAce plans to conduct a public offering of tokens through the Liquidity Guidance Pool (LBP) on the Balancer at 22:00 on March 15th, UTC +8. The activity will last for 48 hours, and the sale of tokens will be 2% of the total supply (2 million INSUR ). The starting price of INSUR is set to US$4.50, the initial weight of INSUR to USDC is set to 90:10, and the ending ratio is 50:50.\n\n6) Development team, investment and development roadmap\nAs people say, leave it to the professional hands - the InsurAce team includes insurance industry (Aviva, Cigna) veterans, former McKinsey partners, IBM blockchain experts, exchange CTOs, corporate security experts, and other professionals, marking the emergence of the crypto market The first professional insurance and financial team to manage the design and framework construction of DeFi insurance products.\n\n![image.png](https://cdn.steemitimages.com/DQmdzycejw5XsExj3YSk3NHk16NKrKAMxnDkEvubCAx43PC/image.png)\n\nAt the same time, InsurAce is also favored by institutions in terms of investment background. Once launched, well-known investment institutions such as DeFiance Capital, ParaFi Capital, Huobi DeFiLabs, #Hasded, Signum and LuneX have \"voted with their feet\".\n\nOn March 4th, InsurAce officially announced the latest round of US$3 million in financing, which also received large investments from Alameda Research and Hashkey Capital. Seed investors DeFiance Capital, ParaFi Capital, Hashed, and Signum Capital continued to follow suit.\n\nOther well-known investment institutions involved include IOSG Ventures, ImToken Ventures, LongHash Ventures, Hash Global, Tembusu Partners, BlockArk, Factorial Ventures, and angel investors Maple Leaf Capital, Wang Qiao, Kerman Kohli, etc.\n\n![image.png](https://cdn.steemitimages.com/DQmfDC95uUHFd4RVrfGnDEgvGtjKhJZ9cvt36zGS4rgafCi/image.png)\n\nTill date of publishing this, InsurAce has announced an initial token launch using Balancer Liquidity Bootstrapping Pool. It's strongly advised for everyone to stay patient and conscious of strategy to purchase this. Further details please refer https://medium.com/insurace/insurace-initial-token-launch-ea7ac31cc3c1\n\n![image.png](https://cdn.steemitimages.com/DQma8ZaAU9o4qFQRZErFtW5Q76z4zozgP6Hmfbn8WPPxjXe/image.png)\n\nUp to now, in the DeFi world where the total lock-up volume has exceeded US$50 billion, the DeFi insurance track is mainly based on the mutual insurance type represented by NXM and the binary option type represented by Cover. In terms of type or coverage, it is far from meeting the needs of DeFi's current and subsequent development.\n\nThe complex and multi-level decentralized financial market with such volume is increasingly in need of abundant corresponding insurance services to escort it. InsurAce's revolutionary original design is also a useful supplement to the innovation and improvement of the DeFi insurance track.",
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      "title": "去中心化金融2.0 (Aegis DeFi)",
      "body": "![pic1.png](https://cdn.steemitimages.com/DQmdNFrDxybv2QBQUSPvbmCwKMLNpC5ZmfJ4DtyLxc3eCi7/pic1.png)\n\n由于诸如加密资产的过度抵押，目前的DeFi平台（例如Compound）提供借贷服务。 然而，这种方法的缺点是资本提取效率低下，用户无法释放其数字资产组合的全部价值。\n\nAegis是可扩展的DeFi网络，可为现有DeFi借贷业务中的超抵押提供解决方案。 为了向用户提供更加多样化的贷款服务和基于贷款的衍生产品发行，Aegis将与合作伙伴合作建立Aegis生态系统，包括：\n\n- 基于POS的区块链：以太坊，COSMOS，Polkadot，TRON\n\n- 传统的金融服务提供商：支付宝，Visa，万事达卡，美国运通卡\n\n-Dex与市场：Uniswap，Balancer, 1inch, Mesa\n\n- Oracle和协议：Chainlink，Augur，Band协议，Aeternity\n\n- 加密钱包：Enjin，Imtoken，Kcash，Trust Wallet，MetaMask\n\n\n![pic.png](https://cdn.steemitimages.com/DQmRtJ3y2FkpVH9d4SqjkdQhXrTUDzapb5v44iGdhtChUm9/pic.png)\n\n同时，Aegis将为其用户群开发一套资产管理产品，使他们能够参与Aegie平台内的DeFi投资和资产交易:-\n\n一.贷款，抵押借款和无抵押借款\n\n除提供贷款和抵押借款外，“宙斯盾”还提供“无抵押借款”。 Aegis使用专有的AI驱动的信用评分算法，根据提供的数据评估用户的信誉，并为每个用户分配“ Aegis得分”，这与传统的风险状况评估类似。 “宙斯盾得分”确定允许用户从流动资金池中提取的最大信用额度。\n\n二. 衍生品发行和交易协议\n\n在借贷层上，Aegis Network允许用户使用其本机衍生产品发行和交易协议直接交易各种加密资产和传统金融市场工具。\n\n三. 信用违约掉期作为无抵押借款的保险\n\nAegis Network在风险管理方面持坚定立场，以确保网络中的贷方在发生任何违约时得到足够的保护和追索权。\n\n四. AUSD —稳定性和权益证明\n\nAegis Network将发行本地稳定币-AUSD，以提供Aegis生态系统的价值稳定性以及其贷款服务的权益证明。\n\n五. 资产管理平台\n\n通过用户友好的投资组合管理仪表板，Aegis用户进行问卷调查以确定他们的风险/回报承受能力，随后通过Aegis Network为其分配各自的风险承受能力概况。\n\n六. 菲亚特到DeFi价值链的一站式解决方案\n\n通过以上三个核心组件，Aegis Network能够为用户提供一站式的DeFi借贷，交易和资产管理解决方案，从而捕获端到端交易和财务管理价值链。\n\n代币经济学\n\n当使用程序代币为Aegis网络提供动力时，AEGIS代币通过以下用例来驱动生态系统价值：\n\n一. 汽油费和交易费\n\n借贷，借贷，交易和资产管理活动可能会向Aegis Network收取天然气和交易费。如果用户选择以AEGIS代币支付，则可以享受这些费用的折扣。\n\n二. 抵押和网络验证奖励\n\nAegis Network验证者必须抵押一定数量的AEGIS代币作为抵押品，以参与链上交易的验证以及用户的信用额度和无抵押贷款配额的验证。\n\n三. 抵押品\n\nAEGIS代币可用作抵押品，以从Aegis流动性池中借入资金，并受技术设计中提供的抵押品模型的约束。\n\nIV. 网络治理\n\n社区中的AEGIS代币持有者保留提出提案并对这些提案进行投票的权利。提案可能包括更改权益奖励或在区块链上更新，并且要遵守网络提案的多数表决要求和最低法定要求。提案创建者和投票者必须抵押AEGIS代币。\n\nV. 通缩代币燃烧\n\nAegis网络中产生的一部分天然气和交易费用将用于从公开市场上回购和燃烧AEGIS代币，从而形成通缩机制，减少AEGIS代币的供应。\n\nAEGIS代币应充当宙斯盾生态系统中的交易，价值存储和激励机制的媒介。代币持有者可以选择参与治理或验证者网络以获取奖励并为整个生态系统做出贡献。\n\n官方网页：https://aegis.finance\n\nTelegram作者联络:@lamcouz\n\nReddit链接: https://tinyurl.com/yygsplrq\n\n推特: https://twitter.com/TkLam8/status/1294949901755797504",
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      "body": "Congratulations @lamcouz! You received a personal award!\n\n<table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@lamcouz/birthday2.png</td><td>Happy Birthday! - You are on the Steem blockchain for 2 years!</td></tr></table>\n\n<sub>_You can view [your badges on your Steem Board](https://steemitboard.com/@lamcouz) and compare to others on the [Steem Ranking](https://steemitboard.com/ranking/index.php?name=lamcouz)_</sub>\n\n\n###### [Vote for @Steemitboard as a witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1) to get one more award and increased upvotes!",
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      "body": "Congratulations @lamcouz! You received a personal award!\n\n<table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@lamcouz/birthday1.png</td><td>1 Year on Steemit</td></tr></table>\n\n<sub>_[Click here to view your Board](https://steemitboard.com/@lamcouz)_</sub>\n\n\n**Do not miss the last post from @steemitboard:**\n<table><tr><td><a href=\"https://steemit.com/steem/@steemitboard/steemwhales-has-officially-moved-to-steemitboard-ranking\"><img src=\"https://steemitimages.com/64x128/https://cdn.steemitimages.com/DQmfRVpHQhLDhnjDtqck8GPv9NPvNKPfMsDaAFDE1D9Er2Z/header_ranking.png\"></a></td><td><a href=\"https://steemit.com/steem/@steemitboard/steemwhales-has-officially-moved-to-steemitboard-ranking\">SteemWhales has officially moved to SteemitBoard Ranking</a></td></tr><tr><td><a href=\"https://steemit.com/steemitboard/@steemitboard/steemitboard-witness-update-2019-01-07\"><img src=\"https://steemitimages.com/64x128/http://i.cubeupload.com/7CiQEO.png\"></a></td><td><a href=\"https://steemit.com/steemitboard/@steemitboard/steemitboard-witness-update-2019-01-07\">SteemitBoard - Witness Update</a></td></tr></table>\n\n> Support [SteemitBoard's project](https://steemit.com/@steemitboard)! **[Vote for its witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1)** and **get one more award**!",
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      "title": "QuarkChain ICO（QKC代币）：高性能区块链系统？",
      "body": "![1.jpg](https://steemitimages.com/DQmd7LZ4ho7Yo8vVP8VdxYYGzVCj6y2fBqqKeUSn5YP5T8C/1.jpg)\n\nQuarkChain是一个区块链，声称每秒可以提供100万个在线交易。了解它如何在我们的审查今天的作品。\n什么是QuarkChain？\n\n在QuarkChain.io网站上发现的QuarkChain是一个基于碎片，子链和根链的区块链项目。该项目于2018年2月首次在线发布。\n\n该平台QKS代币的ICO将于2018年5月举行。同时，该公司正准备在2018年第四季度推出其区块链的第一个版本。\n\n在一个介绍性视频中，QuarkChain将自己形容为“高度可扩展，分散，安全，公开，无许可权的区块链”。区块链的目标是通过提供增强的事务处理能力推动行业向前发展。\n\n让我们仔细看看QuarkChain的工作原理。\nQuarkchain如何工作？\n\nQuarkChain提供高度可扩展的区块链，声称每秒能够处理1百万个在线交易。\n\nQuarkChain使用双层结构实现更好的可伸缩性。第一层提供弹性分片，这是一种数据库分区，可将超大型数据库分为更小，更快，易于管理的称为数据分片的组件。数据碎片是QuarkChain项目的关键部分。\n\n与此同时，第二层被称为根区块链。这是确认第一层推送的事务（块）的组件。 QuarkChain的第二层可以根据需要“重新划分”，而不需要改变根层。\n\nQuarkChain的另一个独特功能是通过市场驱动的协作挖掘提供有保证的安全性。实质上，这意味着50％的网络散列能力专门用于根区块链，以专门防止双重支出攻击。此外，多个更便宜的低资源节点可以形成一个群集来创建一个超级节点。\n\nQuarkChain还将提供两种高效的交叉分片交易，包括分片交易和交叉分片交易。如果事务的输入和输出地址位于同一分片中，则会发生分片内事务，而当输入和输出地址位于不同分片中时会发生跨分片事务。跨分片交易可随时发出，并在几分钟内确认。随着碎片数量的增加，交叉碎片交易的速度也会增加。\n\n最后，用户将通过简单的账户仪表板与QuarkChain区块链进行交互。该仪表板将允许您从一个钱包屏幕查看来自不同区块链的所有加密货币 - 即不同的碎片。另外，您可以使用单个私钥管理所有地址。\n\nQuarkChain也将支持智能合约。事实上，区块链特别支持在以太坊虚拟机（EVM）中运行的智能合约，这意味着开发人员可以将其智能合约直接部署到QuarkChain。\n\n所有这些技术的最终结果是，QuarkChain有8个次要区块链，目标块时间为10秒，同时根区块链的目标块时间为150秒。\nQuarkchain（QKC）代币如何工作？\n\nQuarkChain有自己的称为QKS的代币。他们是以太坊区块链上的ERC20代币。\n\n当QuarkChain在2018年第四季度发布时，以太坊区块链上的QKS代币将转换为QuarkChain区块链上的QKS代币。\n\n在启动时，QKS代币将能够用作价值存储器，交易货币以及作为贡献奖励。 QKS也是可开采的（记住，QuarkChain是一个PoW区块链）。\n\nQuarkChain寻求解决什么问题？\n\n为什么我们需要像QuarkChain这样的解决方案？今天的区块链没有解决什么问题？ QuarkChain白皮书用今天的区块链识别以下所有问题：\n\n安全问题：区块链受安全问题影响。 QuarkChain白皮书只提到了一个安全问题，这是51％的攻击。但是，51％的攻击当然可能是小块链的安全问题。\n\n分散化：比特币和其他区块链被设计为完全分散，每个节点都有一票，没有人控制所有节点。事实上，我们已经看到矿业集团和其他集体组织的形成，组织节点成为投票集团。这威胁到比特币的分散性。\n\n可扩展性：像比特币这样的区块链正在努力扩展。随着交易容量的增加，区块链的规模不断扩大，导致对存储，带宽和计算能力的要求越来越高。\n\n闪电网络：QuarkChain白皮书特别提到闪电网络是当前区块链的一个问题。他们重申了对Lightning Network最常见的批评 - 它将集中式支付处理引入了分散化的区块链，威胁比特币作为分散式支付解决方案的未来。\nQuarkchain功能\n\nQuarkChain提供以下所有功能：\n反集中水平可扩展性扩展：\n\nQuarkChain有一个验证所有次要块和根链块的节点。这被称为超级完整节点。自行运行一个超级节点会很昂贵。这就是为什么QuarkChain提出了一种创新的解决方案：它们允许多个较小的节点在一个集群中组合在一起，并作为超级完整节点运行。集群中的每个节点只验证链的子集，而其余节点仍然可以完全验证任何块，即使一个节点发生故障。\n交叉碎片交易：\n\nQuarkChain将提供两种类型的交易，包括分片交易和交叉分片交易。任何用户都可以随时发布交叉分片交易。跨分片交易可以在几分钟内确认。\n交叉链交易：\n\nQuarkChain允许跨链交易，因为它只维护一个根链。根链使用适配器促进来自另一链的代币交易。然后，区块链像QuarkChain一侧的交叉分片交易一样执行交易。\n智能钱包：\n\nQuarkChain将有一个智能钱包，将有两个级别，包括您的主帐户和辅助帐户。主帐户是用户在默认分片中的地址，而辅助帐户管理剩余分片中用户的剩余地址。\n\nQuarkChain的背后是谁？\n![2.png](https://steemitimages.com/DQmbwWtD2nrgPrtkCw7GSMFHQN36XKz489eWgxrvGf8x7pB/2.png)\nQuarkChain由高性能系统专家Qi Zhou领导，并拥有15年以上开发经验的前谷歌员工。他还拥有乔治亚理工学院的博士学位。\n\n其他QuarkChain核心成员包括ZhaoGuang Wang (资深软件工程师), Ting Du (中国区CMO), Anthurine Xiang (CMO), 和 Kyle Wang (COO).\n\n该团队于2017年开始研究QuarkChain，然后于2018年2月在线推出了他们的白皮书。目标是在2018年第四季度末推出QuarkChain Core 1.0，Mainnet 1.0和SmartWallet 1.0。\n\nQuarkChain（QKC代币）结论\n\nQuarkChain是一个旨在每秒提供100万次交易的区块链。它利用独特的Quark，子链和根链系统解决了当今区块链中的各种问题 - 包括过度集中，可扩展性差和安全风险。\n\n欲了解更多关于QuarkChain及其运作方式的信息，请立即在QuarkChain.io在线访问。 QKS代币的代币销售定于2018年4月或5月举行，虽然公司的日期尚未公布。",
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      "body": "![3.jpg](https://steemitimages.com/DQmQZKXEp5WxR2k5EqK4gYShc9vrCsVuPRuGnAAuvJDRGxv/3.jpg)\n\n介绍\n\n电子货币越来越受欢迎，Blockchain技术已融入我们生活的各个领域。事实上，这个过程是无法避免的。据预测，到2020年，加密货币资产持有者的数量将增加10倍。同意，预言令人印象深刻。但即使在今天，也存在一个缺乏广泛机会以加密货币购买和销售商品的问题。这不是关于个人商店或服务（这不是太多），除了电子货币和法定货币外，还接受。这是关于其他全球市场的问题，这些问题也将在互联网上公布。现在考虑这个问题，你需要关注一个非常有趣的项目 - Ubcoin市场。\n\n关于该项目。\n\nUbcoin Market是由Ubank团队开发的一个项目。该公司自2009年开始运营，并已有许多特殊的发展。因此，2011年推出了NaviFon（导航）和Utalk（Messenger）移动应用程序。在2013-2014年，Ubank推出Ubank移动应用程序，其中包括各种支付服务。它更侧重于俄罗斯市场。对于所有的时间活动，该公司已经与许多提供现金流的银行签署了一系列合同，因为Ubank不是银行。此外，与Samsung，Fly，Huawei等公司达成协议，默认将上述应用程序放置在这些公司的手机上。\n![1.png](https://steemitimages.com/DQmZMBwPsmaSX6uz7ae21oZ7tJAfFFpEjrQqFpchuFZNfe2/1.png)\n\nUbcoin是一款移动应用程序，可以帮助用户使用加密货币出售和购买不同​​的物品，也就是使用该应用程序的内部代币 - UBC。事实上，它将成为一个交易平台，为买家和卖家创造舒适的条件。对他们每个人来说，都会有便利的功能和工具，比如推广广告和定位的工具;广告统计信息（观看次数，点击次数，转化次数，评论等）和购买统计信息;销售屏幕和支付管理;智力推荐机制，基于以前的搜索和购买历史;购买控制工具。\n\nUbcoin的主要优点是：\n\n1. 最小中介。在应用程序的帮助下，尽可能减少参与销售过程的参与者人数。现在这个过程按照智能合约的条款发生P2P。\n\n2. 法律保障。公司对Ubcoin市场上商品和服务的合法性采取最大措施。卖家资料将被检查，并且任何可能的违规将被排除。\n\n3. 权力下放。附录声明该交易的启动，完成和执行将被记录在该块中。因此，所有必要的信息将始终可用，而且非常重要的是，没有人能够改变它。\n\n4. 接口。这款应用内部件设计时考虑到了最好的世界趋势，旨在为卖家和买家创造最便利的条件。\n\n5. 未来，Ubcoin将被整合到现有的Ubank应用程序中\n\nUbcoin的主要优势\n\n最小中介。在应用程序的帮助下，尽可能减少参与销售过程的参与者人数。现在这个过程按照智能合约的条款发生P2P。\n法律保障。公司对Ubcoin市场上商品和服务的合法性采取最大措施。卖家资料将被检查，并且任何可能的违规将被排除。\n权力下放。附录声明该交易的启动，完成和执行将被记录在该块中。因此，所有必要的信息将始终可用，而且非常重要的是，没有人能够改变它。\n接口。这款应用内部件设计时考虑到了最好的世界趋势，旨在为卖家和买家创造最便利的条件。\n未来，Ubcoin将被整合到现有的Ubank应用程序中。\n\n卖代币。\n代币 - UBC\nPrivate pre-seyel - 2018年3月10日 - 3月31日（适用于5个ETH及更多的投资者）\n代币选择 - 2018年4月2日至5月31日\n价格代币 - 0,000089 ETH\n最低费用为2 000 ETH\nETH最高金额179,000\n代币创建 - 4 000 000 000 UBC\n\n![2.png](https://steemitimages.com/DQmWhjha3cGfFTG7TBpW1biP258ZcfTLasVMKJ1R5LmjvTk/2.png)\n\nhttps://ubcoin.io/cn\nhttps://t.me/uncoinchinese\nhttps://twitter.com/ubcoin\nhttp://doc.ubcoin.io/whitepaper.pdf?v1",
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      "body": "金融业继续对区块链技术和加密货币表现出越来越大的兴趣。 为此，Ubank团队正在寻求通过基于区块链的新平台进入加密市场。 这是一项非常有意义的任务，旨在使加密货币投资更加吸引消费者。\n![1.jpg](https://steemitimages.com/DQmdcTTTYnbbRgB4EuFz9R3VpAMxvXsQj7gMUsJ72XXBbpi/1.jpg)\n\nUbank这个新项目的核心利益是加密货 - 因为这新的平台旨在让用户购买和出售真正物品以换取各种加密货币。虽然它不是一个独家的商业模式，但是拥有一个可信任的移动支付公司的支持倾是这些服务提供更高的可信度。\n\nUbcoin Market将自己定位为加密货币与现实世界之间的桥梁。无论以前的加密货币或区块链知识如何，任何人都可以通过这个新平台成为加密货币投资者。更高级的用户可以将他们的加密货币财富花在他们感兴趣的商品和服务上。它理论上能为每个人提供了一些东西，尽管其成功的机会仍然不确定。\n\n虽然传统交易所和加密货币之间的竞争看起来日益提高，但Ubank并不一定要与这些传统交易所竞争，尽管它的目的是为了更方便地购买和使用加密货币。这本身就是一个积极的发展，因为很多消费者都在与加密货币的概念斗争。\n\n通过关注加密货币带来一些电子商务平台竞争是一个急需和积极的发展。虽然现在很多消费者已经在点对点平台上购买和销售产品，但显而易见，采用稍微创意性方法的平台总是有它的生存空间的。Ubcoin Market不希望与任何法定货币支付的公司竞争，虽然尽管在Ubcoin公司发展过程中可能会赢得更多的一些支持。\n\n通过接受加密货币支付，用户可以坚持这种新的货币形式或将其转换为其他货币。即使他们最终将其转换为正规资金，他们在短时间内仍然是加密投资者。最大的问题是这个平台是否能够成功，特别是考虑到现在影响所有加密货币市场的巨大波动。\n\n启动时，Ubcoin Market将使用AI来预先筛选卖家发布的帖子，这是一种相当新颖的方法。将这一点与以太坊区块链及其所有功能相结合，肯定会带来一些有趣的发展。\n\n官方UBCOIN链接：\n网站 - https://ubcoin.io\n白皮书: http://doc.ubcoin.io/whitepaper.pdf?v1=\n脸书: https://www.facebook.com/ubcoinmarket/\n电报: https://t.me/ubcoinmarket\nMedium: https://medium.com/@ubcoin\n推特: https://twitter.com/ubcoin\n公告贴: https://bitcointalk.org/index.php?topic=3109856.msg32135268#msg32135268",
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