作者：DefiGo / 来源：投稿
12 月 3 日晚八点，DefiGo 波卡之月邀请来『Defi 之月』第一期嘉宾 YIELD，门槛更低，使用更友好：一站式的 DeFi 银行 YIELD。
以下为 AMA 内容全文：
下面请今天的嘉宾为大家做一下自我介绍。
Intros
Tim Frost ：
My name is Tim Frost and I am CEO of YIELD
I have a rich Fintech, marketing, business development, and operations background. YIELD.app is my 3rd digital bank and he has been a key figure with many successful fintech and blockchain companies. Specializing in early-stage growth, operations, and development. I was part of the founding Wirex team and supported operations, business development, and marketing for the first 18 months. I also joined and helped take EQIBank to market a global digital challenger bank with an average client AUM of $250,000. I have helped accelerate early-stage blockchain startups QTUM, NEO, Paxful, Polymath, Selfkey, Everex, and many others.
Tim Frost 是 YIELD 的首席执行官。在 Fintech、市场营销，BD 和运营方面都有丰富的行业背景和经验，YIELD.app 是他创办的第三家数字银行。Tim 也是许多成功的金融科技和区块链公司中的关键人物，专门从事早期增长、运营和开发。他曾是 Wirex 创始团队的一员，在最初的 18 个月中为运营、业务开发和市场营销提供支持。他还曾加入并帮助 EQIBank 推销了平均客户资产管理规模（AUM） 25 万美元的全球数字挑战者银行，也加入并助力诸多初始阶段的区块链初创公司，如 QTUM，NEO，Paxful，Polymath，Selfkey，Everex 等。
Justin Wright ：
I have spent most of my career in capital markets and fund management before moving over to Fintech, this is my first venture in the crypto space. I have spent the last 6 years building out Beehive P2P, the largest SME P2P lender in the Middle East and having been introduced to DeFi by Tim and seeing the potential to really take crypto to the mainstream, I jumped at the chance to be part of the founding team @YIELD.app
在进入 Fintech 的领域之前，Justin 大部分的职业经历在资本市场和基金管理领域。YILED 是他第一次投身加密领域。在过去的 6 年间，他建立了 Beehive P2P，这是中东最大的 SME P2P 贷方，现在已由 Tim 引入 DeFi。Tim 正是看到了将加密技术真正推向主流的潜力，因此抓住了这个机会加入了 @YIELD.app 的创始团队。
Jan Strandberg ：
Hey everyone, I have been a growth hacker and digital for more than 10+ years and leading the growth at YIELD. I’ve helped successfully scale-up companies in the sphere and I was the head of marketing at Paxful, now the largest P2P marketplace worldwide. I've scaled up Paxful from 50 000 users to more than 4.5 million and from revenue perspective from 100k$ USD to 45 million USD weekly.
Jan 是一名负责公司增长的“增长黑客”，也是数字营销领域的专家，在行业内有超过 10 年的经验，目前引领着 YIELD 在各个市场的增长。他曾是 Paxful （现在是全球最大的 P2P 市场）的 Marketing 主管，在这个领域有着非常成功的经验——不仅将 Paxful 的用户人数从 5 万扩大到了 450 万，也将每周创收从 10 万美元增长到 4500 万美元！
Q1. 首先，请您和我们简单介绍一下 YIELD 这个项目吧？
First of all, would you please give us a brief introduction to the YIELD project?
A1: YIELD is a licensed and regulated FinTech company that enables anyone to invest in decentralized finance with the touch of a button! Offering an intuitive app and web platform, users around the world can start earning up to 20% APY through our DeFi strategies on the backend, earning returns from DeFi products without having to go through a lengthy, complex, and often costly learning process. We offer transparent governance through our YLD token. Our
goal is to go beyond DeFi and provide a more rewarding digital banking experience, where people can easily earn interest on any currency and spend their earnings using our physical debit card, without ever having to think about crypto.
We are backed by:
David Johnston (Factom)
Trevor Koverko (Polymath)
Eric Gu (Metaverse)
Tim Bos (Sharing)
Dustin Byington (Wanchain)
DuckDAO
Michael Terpin
Jeff Kirdeikis
TrustSwap
YIELD 是一家受许可和监管的金融科技公司，任何人可以轻松投资去中心化金融！通过提供直观的手机应用程序和网站，全球用户可以通过平台的 DeFi 投资策略获得高达 20％的年收益（APY）——直接从 DeFi 产品中获得回报，无需经历冗长、复杂且通常成本高昂的学习过程。我们通过 YLD Token提供透明的治理。我们的目标是超越 DeFi，提供更有意义的数字银行体验，让大家可以轻松地使用任何货币赚取利息，并使用我们的实物借记卡进行消费，到时将无需考虑加密。
我们受到以下机构和投资者的支持：
David Johnston (Factom)
Trevor Koverko (Polymath)
Eric Gu (Metaverse)
Tim Bos (Sharing)
Dustin Byington (Wanchain)
DuckDAO
Michael Terpin
Jeff Kirdeikis
TrustSwap
2. Compared with other DeFi projects, what are the advantages of YIELD?
相比其他 DeFi 项目，YIELD 有什么优势？
A2：YIELD makes DeFi accessible to anyone thanks to our intuitive app and web platform, where users simply deposit crypto or traditional currencies and select the investment plan that suits them best.
Operating under a banking license, we offer insured and innovative financial products managed by a team with years of experience in FinTech and cybersecurity. This ensures that our users always feel comfortable earning with us. At the core of our strategy, our $YLD token allows for transparent governance, rewards loyal community members and supports social impact initiatives.
As a licensed and regulated FinTech company, we provide a secure digital banking platform where users can earn high returns through insured DeFi strategies that would be impossible for inpidual investors to replicate on their own.
通过 YIELD 最方便的手机应用程序和网页版本，任何人都可以轻松进入 DeFi 的世界。在 YIELD，用户只需存入加密货币或法币并选择最适合他们的投资计划即可。
我们根据银行牌照经营业务，提供安全保险和创新型的金融产品，并由在 Fintech （金融科技）和网络安全领域拥有多年经验的团队管理。这样可以确保用户始终都可以在 YIELD 轻松投资并获得收益。作为我们策略的核心，我们的 $YLD Token可实现治理透明化，奖励忠实的社区成员并支持社会影响计划。
作为一家经许可和监管的 FinTech 公司，我们提供了一个安全的数字银行平台，用户可以通过保险的 DeFi 策略获得高额回报，而这对于个人投资者而言是无法自己复制的。
DeFi is complex, high gas fees, and a lot of fraud. In the past, a majority of crypto holders cannot participate in DeFi due to those reasons.
This is exactly the problem we are trying to solve. Right now it's impossible for users to make a small, maybe $100 defi investment. By having economies of scale, we are able to pass the savings along to our customers and fix their issues with limited capital. We address these specific issues by offering an intuitive mobile app where users simply deposit funds in their preferred currency and select the plan that suits them best. There are no gas fees, no transfer fees, and our team handles DeFi’s intricacies so you don’t have to.
过去，因为 DeFi 的复杂性、高昂的矿工费、各种各样的欺诈等种种不良的用户体验，大多数加密货币持有人无法参与进 DeFi。
这正是我们要解决的问题。目前，用户不可能进行小额投资（至少都需要 100 美元）。通过规模经济，我们可以帮用户节省费用，并用有限的资金解决他们的问题。通过一个直观的移动应用程序，用户可以轻松用他们的首选货币存款，然后选择最适合他们的计划。没有矿工费（gas fees）、也没有转账费用，我们的团队会处理复杂的 DeFi 的问题，免去了普通投资者的种种障碍和烦恼。
3. What achievements has YIELD achieved in the past? What is YIELD focusing on at this stage? YIELD 在过去都取得了哪些成就？那现阶段，YIELD 都重点在做哪些呢？
We have raised close to $5 million in a hybrid funding round. The funding came from multiple sources including $297,000 from online investment platform BnkToTheFuture, a further $3.4 million in private funding was secured from Alphabit Fund, Digital Strategies, PALCapital, Yeoman’s Capital and Chronos VC. Most importantly, we oversubscribed 3x our private sale in 12 h!
More details can be found here:
We will launch YLD token on December 14 th on Uniswap and a tier 1 CEX exchange!
我们在刚刚结束的混合融资中筹集了近 500 万美元。资金来源于多个渠道，包括在线投资平台 BnkToTheFuture 募得的 29.7 万美元，还有知名投资平台 Alphabit Fund、Digital Strategies、PALCapital、Yeoman's Capital 和 Chronos VC 牵头的 340 万美元筹得金额。这里要着重和大家讲，我们的筹得在 12 小时内超额认购了三倍。
我们将于 12 月 14 日在 Uniswap 和一所顶级 CEX （中心化）交易平台上推出 YLD Token !
4. How is YIELD's Token YLD economic model distributed? How to get YLD?
YIELD 的 Token YLD 经济模型是怎样分配的？如何获得 YLD？
YLD will be allocated as follows:
More details of Holding Rewards and Referral Rewards can be found in this article:
Its a similar to a BNB type model. Its key to our entire ecosystem and used to reduce fees and gain access to opportunities.
As we are building a sustainable multi-year project, we plan to create and add new utility as we continue to add products, features and technology driven niches to our capabilities, this is only the start of the YIELD.APP story.
YLD 的分配如下：
筹得
|
公开发售
|
YIELD
---|---|---
种子轮
57,142,857
$YLD
2 个月解锁期 每月⅓
|
主轮
18,272,727
$YLD
无解锁期
无锁定
|
流动性挖矿池
45,500,500
$YLD
视情况而定
|
推荐池
5,000,000
$YLD
视情况而定
|
团队与顾问
75,500,000
$YLD
解锁期与业绩挂钩
|
增长与储备
99,675,325
$YLD
视情况而定
总计：64,415,584 $YLD
21.5%
|
总计：50,000,000 $YLD
16.7%
|
总计：185,584,416 $YLD
61.8%
它类似于 BNB 类型的模型。是我们整个生态系统的关键，用于降低费用和获得机会。我们正在建设一个可持续的长期项目，在创建并添加新的实用程序的同时，我们还计划不断增加产品、功能和技术为平台赋能。现在仅仅是 YIELD.APP 故事的开始！”
Q5. 可以预计 YIELD 将吸引很多用户存款，那么 YIELD 打算如何运用这些资金来创造收益呢？
It can be expected that YIELD will attract many users to deposit, so how does YIELD plan to use these funds to create income?
YIELD’s portfolio allocations are persified across multiple strategies and trading opportunities; these can include automated funding rate arbitrage and asset disposals through our proprietary portfolio management system that is able to identify the highest yielding market opportunities and process these through YIELD’s internal risk analysis algorithms to generate instantaneous execution and transaction requests for digital approval (multi-sig) by our portfolio managers.
All assets are protected by the YLD Insurance Fund (you can learn more about in our token article), and our DeFi strategies are curated by an expert team of market analysts and fund managers with years of experience in FinTech. By aggregating the capital of many inpidual investors, we are able to neutralize risk and offer unprecedented investment opportunities in a secure environment.
YIELD 的投资组合分配分散在多种策略和交易机会中；这些可以包括通过我们专有的投资组合管理系统自动进行资金利率套利和资产处置，该系统能够确定收益最高的市场机会，并通过 YIELD 的内部风险分析算法进行处理，以生成即时执行和交易请求由我们的投资组合经理进行数字批准（多次签名）。
另外，您所有资产均受 YLD 保险基金保护（您可以在我们的Token文章中了解更多信息），而我们的 DeFi 策略由具有多年金融技术经验的市场分析师和基金经理组成的专家团队制定。通过汇总许多散户投资者的资本，我们能够消除风险，并在安全的环境中提供前所未有的投资机会。
Q6. YIELD 是如何吸引 Alphabit Fund，Digital Strategies 等机构参与投资的？
How did YIELD attract Alphabit Fund, Digital Strategies and other institutions to participate in investment?
option a: What sets YIELD apart is that we are a regulated licensed bank 🏦 managed by a team with a proven track record in FinTech. That said, we are well-prepared to offer transparent governance through our YLD token. 💪 Our goal is to go beyond DeFi and provide a more rewarding digital banking experience, where people around the world can easily earn interest on any currency and spend their earnings using our physical debit card 💳, without ever having to think about crypto.👌
We are licensed, insured, and are building a platform to offer clients a secure place to allow their money to grow. Unlike many crypto companies which are anonymous or not building companies that are compliant from day 1.
[TIM: option b] I haven't seen a team with the track record we have. Jan grew Paxful from 50,000 to 4.5M users and overtook Localbitcoins without raising capital. I was part of the founding team and ran marketing and BD for Wirex which now has 3.5 million clients. While we don't want to give too many specifics on how we will take market share, our track record does speak volumes.
The team at YIELD come from a perse range of background, with extensive experience in sectors that include investment and institutional banking, funds management, FinTech, software engineering & development, consulting, law and media, we understand what the market needs, we believe we have the right team to make this happen and build something sustainable for the long term. The whole space is growing quickly, there will always be competition, and that's healthy provided it is with the users' interest in mind.
A6:
option a:
YIELD 之所以与众不同，是因为我们是一家受监管的持牌银行，由一支在 Fintech 领域拥有良好记录的团队管理。也就是说，我们已经做好充分准备，可以通过我们的 YLD Token提供透明的治理。我们的目标是超越 DeFi 并提供更有价值的数字银行体验，使全世界的人们都可以轻松地使用任何货币赚取利息并使用我们的实物借记卡消费收入，而无需考虑加密问题。
我们已获得许可，拥有保险并建立了一个平台，为用户提供一个安全的地方，使他们的钱能够安全稳定地获取收益。这与许多匿名或不建立从第一天起就合规的加密公司不同。
option b:
我们的团队经验丰富，实力雄厚。Jan 使 Paxful 的用户从 50,000 增加到 450 万，并在不筹集资金的情况下取代了 Localbitcoins。我是 Wirex 创始团队的一员，负责市场营销和业务拓展，目前 Wirex 拥有 350 万客户。尽管我们不想过多地说明如何获取市场份额，但我们的业绩记录确实可以说明问题。
YIELD 的团队来自不同背景，在投资和机构银行业务，基金管理，金融科技，软件工程与开发，咨询，法律和媒体等领域拥有丰富的经验，我们了解市场的需求，我们相信我们 拥有合适的团队来实现这一目标，并在长期内打造可持续发展的目标。整个空间在快速增长，总会有竞争，只要考虑到用户的兴趣，这就是健康的。
Q7. YIELD 有很多关于存款的介绍，那么 YIELD 会计划做贷款吗？
There are a lot of introductions about YIELD deposits, so does YIELD plan to make loans?
We might look at loans at some point but as for now we are just focusing on building what we have. A platform where everyone can earn YIELD and participate into DeFi.
Q7: 我们可能会在未来某个时间关注贷款领域，但就目前而言，我们专注于自己已有的领域，每个人都可以参与 DeFi 并盈利的平台。
Q8. YIELD 与 Celsius 等项目的区别在什么地方？
What is the difference between YIELD and Celsius and other projects?
A8: We are targeting different customers, we are building a bank with fund products at the backend, we will operate a transparent model, we're building a proprietary portfolio management system. For the 1 st fund, we are offering guaranteed returns. What people see now is our launch, we will grow beyond this and admire the work that Celsius has done, do they make it clear if they are neutral or have any risk exposures on directional trades, etc.? Are they building innovation around an insurance product?
Any good business will always have competition, think Starling Bank, Revolut, Monzo…….Same models with different approaches and customer bases. If we attack Celsius it shows weakness, we should honor them and state our visions. Also, if investors want exposure to DeFi and are worried about risk, there is a valid argument they should split their allocations across YIELD, Nexo, Celsius, etc., rather than concentrate it all on one platform.
我们的目标客户不同，YIELD 是在后端建立一家拥有基金产品的银行，我们将运作一个透明的模型，我们正在建立一个专有的投资组合管理系统。对于第一只基金，我们提供有保证的回报。人们现在所看到的是我们的发布，我们将超越此发展并钦佩摄氏所做的工作，他们是否清楚自己是否保持中立或在定向交易中承担任何风险等？他们是否围绕保险产品建立创新？
Starling 银行，Revolut，Monzo 认为任何优秀的企业总是会竞争。具有不同方法和客户群的相同模型。如果我们攻击摄氏温度，则表明它很虚弱，我们应该尊重他们并陈述我们的远见。另外，如果投资者想投资 DeFi 并担心风险，有一个合理的论点，他们应该将收益分配到 YIELD，Nexo，Celsius 等上，而不是将其全部集中在一个平台上。
Q9. YIELD 近期有什么活动是国内用户可以参与的？
What activities does YIELD have in the near future that Chinese users can participate in?
Recently, there are multiple AMAs being held in different Chinese communities. We would love to invite everyone interested in YIELD join these online activities and our chinese communities. We will post updates there and have more community activities & sharings in the future!
最近，我们将在不同的国内社区举办多场线上 AMA。我们很乐意邀请对 YIELD 感兴趣的每个人参与这些在线活动，并加入我们的中国社区。我们也将在后续举办更多 YIELD 的公司新闻社群活动！