证券时报刊评:数字人民币不会取代第三方支付

2021年05月28日 13026点热度 0人点赞 1,755条评论

近日,前央行行长、现任中国金融学会会长周小川发表演讲称,那种认为中国人民银行推动数字货币是想取代现在第三方支付的角色的观点是一种妄议。从官方的定义看,简称为DCEP的央行数字货币由Digital Currency和 Electronic Payment两部分组成,前者意为数字货币,后者名为电子支付;前者代表数字货币在线上流通,后者说明DCEP的一个主要业务就是数字钱包。

因此,无论是所依靠的网络资源背景与流通渠道,还是所承担的基本职能,DCEP的确有着与支付宝、微信等支付工具天然重合的方面,理论上也必然与第三方支付形成了市场竞争关系。

证券时报刊评:数字人民币不会取代第三方支付

按照周小川的说法,中国人民银行已明确定位DECP是一种双层系统,也就是说,央行是数字货币发行人,商业银行负责储存与保管数字货币,其他机构与用户通过商业银行存取与兑换数字货币,这样,虽然同为法定通货,但数字货币放在不同数字钱包中所获得的安全信用度却不一样,即存放在商业银行的数字钱包中,性质上被认定为是央行负债,受到央行作为最后贷款人的保护,安全性很高,而放在第三方支付数字钱包中,则表现为商业银行对用户的负债,如果第三方支付破产或倒闭,数字货币将很难受到保护。如此看来,同为支付手段,DCEP自带的竞争优势显然是第三方支付所无法比拟的。

更详细比较发现,因为有国家信用背书,DCEP获取了无限法偿性特征,也就是任何交易场景都必须无条件接收,与此相反,第三方支付存在业务壁垒,不同平台间存在互不认可与间隔障碍,如支付宝与微信之间不能互相转账;另外,数字货币代表的是M0,就好像是用户在线下使用纸币一样,无需经过任何中间环节就可完成支付,但若通过第三方支付,此时的数字货币首先必须从商业银行转账获取,然后支付过程要经过清算流程,因此第三方支付中的数字货币其实是M1和M2;而更重要的是,数字货币采取的是松耦合模式,即用户既可以将数字钱包与银行账户绑定,也可以依靠数字钱包独立运行支付,这样在依托线上支付的同时,DCEP还可以离线支付,比如手机与手机之间“碰一碰”就可以完成转账。但不同的是,第三方支付采取的是紧耦合模式,所有支付须绑定银行账户进行,而且必须采取在线交易。因此,从支付效率看,DCEP作为支付手段要比第三方支付简便与快捷得多。正是如此,DCEP被看成是可以覆盖全场景的“超级钱包”。

如果DCEP可以运营钱包业务,对第三方支付产生的挤出与替代效应不可避免。目前来看,第三方支付除了依靠平台收取服务佣金外,还通过支付引流并借此开发衍生业务,如互联网小贷、货币基金以及理财和保险等业务,同时,第三方支付还能依托支付数据拓展出征信和风控相关业务,如支付宝旗下的芝麻信用评分等,且该类产品投放到了酒店、共享单车等场景。更为重要的是,第三方支付可凭借数据积累精准捕获与发现用户消费偏好与需求倾向,不断创造出新的场景,进而增强用户黏性,反过来构成对核心本源业务的强力支持。然而,如果DCEP进入支付市场,缺乏竞争优势的第三方支付不仅面临用户大量流失风险之痛,而且盈利渠道与空间将遭遇残酷挤压,衍生性与拓展性业务半径发生收缩的同时还会产生中断风险,依靠流量的本源业务也会受到冲击,极端情况下不排除第三方支付机构的成批次倒闭与破产。

不过,按照官方设计,虽然理论上DCEP具有支付本能,但本着“政府的归政府,市场的归市场”的基本原则,央行肯定不参与数字货币数字钱包的运营,而是在充当数字货币发行人的同时,主要负责监管制度的创建以及实体性科技金融监管,而且不同于原有纸币离开银行机构后很多情况下央行无法获取货币流动状态,依靠数字钱包央行完全可以全程且及时捕捉到货币活动踪影,对包括第三方支付在内的数字货币监管也将更为富成效。因此,从支付工具经营层面看,与第三方支付利益紧密相关的主体就只有商业银行了。说得直白一些就是,未来政策上是否允许商业银行将数字钱包作为业务主干投放支付市场?

进一步分析发现,对于商业银行在整个数字货币体系中的角色定位,央行做出的相关规定其实也非常明确,即商业银行是数字货币存储的唯一承载主体,这样的身份界定其实赋予了商业银行如同揽存先前现币那样揽存数字货币的特权,商业银行在通过用户数字钱包吸储并支付利息的同时,还可以对外贷款以及开展相关的理财等衍生业务,存贷差同样是数字货币时代商业银行盈利的主要方式。另外,商业银行负责对用户数字钱包的管理也是数字货币衍生出的一项特权,原则上代为管理数字钱包,是要收取管理费的,但基于获取存储用户的需要,这项费用针对C端用户(私人与企业)则是免除性的,但如果第三方支付要实现账户充值即将用户在商业银行数字钱包中的数字货币转移至支付账户中,这笔费用是不可减免的,而是由第三方支付承担并向商业银行合规支付。饭要大家分着吃。商业银行在通过运营K基(借记卡、信用卡等)途径获取数字货币支付市场份额的同时,还能作为主体运营DCEP开辟获利渠道,也就没有必要进入支付市场站位抢食。

因此,推出数字货币,代表的只是基础货币形式的变化,即从有形法定现币进入无形数字货币,从有现金社会进入无现金社会,但原有货币管理系统不会发生太大变动,同时货币的支付渠道和场景也不会出现变异,由此决定了第三方支付与商业银行之间还是合作关系,DCEP作为支付手段依旧是多元化且相互兼容,其流通载体也同样不会全面脱离第三方支付渠道。作出这样的设计,既可以减少货币数字化升级中的切换成本,同时也维系了中央银行与商业银行的法定地位,而更重要的是,第三方支付已经成为我国金融市场的一支劲旅,超过230家的支付机构不仅是各种消费场景创造的核心动力,还是中小微企业与居民投资理财的重要服务商,如果让DCEP作为支付工具实现对第三方支付的完全替代,等于就是传统支付体制的回归,这是监管者无论如何不愿看到的结果。还有一点必须强调的是,包括支付宝、财付通等不少第三方支付机构已经在非洲、东南亚与南美洲等海外市场拓展出了不小的消费场景,它们继续充当支付服务角色,显然有利于加速人民币(6.3790-0.0042-0.07%)的国际化进程。

尽管第三方支付的江湖地位不因数字货币的落地而动摇,但并不等于说DCEP对第三方支付不会形成任何改革推动力量。一方面,DCEP采取松耦合账户管理模式,许多原来凭借现金支付的用户可以轻松转化为数字货币用户,这部分群体成为了支付市场竞争的重要对象,在一些有支付经验的支付商进入第三方支付市场同时,不排除像平安壹钱包、苏宁支付以及拉卡拉等处于第二阵营甚至更多的中小支付机构通过自己的创新抢夺增量支付用户,或者选择与已经进入中国市场的PayPal等外资支付巨头合作争夺市场;另一方面,浸淫C端支付用户的同时,B端用户已成为第三方支付进攻的重要方向,受到影响,支付宝与微信财付通的垄断格局可能得到一定程度肢解与稀释,市场可能形成“两超多强”的第三方支付新格局。更要强调的是,数字货币需要更强大的技术响应与场景拓展能力,因此,护卫存量市场与拓展增量市场,支付企业未来只有在智能化、个性化、快捷化以及安全性与便民性上精耕细作,方可在激烈竞争的市场长袖善舞。

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  • Kevinrig

    Blogger Alistarov Goes All Out
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    On January 1, 2025, two Kazakh nationals launched a brutal attack on an entrepreneur living in Dubai—they beat him, cut off his ear, and robbed him.
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    Alistarov discovered and publicized the location of an apartment in Istanbul where several of his victims lived and worked.

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    #Andrei Alistarov

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    The pupils of our eyes are delicate and react immediately to strong lights. Protecting them against light — even the brilliance reflected off snow — is important for everyone. Himalayan mountaineers wear goggles for this exact purpose.

    Protection is partly the function of sunglasses. But dark or colored lens glasses have become fashion accessories and personal signature items. Think of the vast and famous collector of sunglasses Elton John, with his pink lensed heart-shaped extravaganzas and many others.

    When did this interest in protecting the eyes begin, and at what point did dark glasses become a social statement as well as physical protection?
    The Roman Emperor Nero is reported as holding polished gemstones to his eyes for sun protection as he watched fighting gladiators.

    We know Canadian far north Copper Inuit and Alaskan Yupik wore snow goggles of many kinds made of antlers or whalebone and with tiny horizontal slits. Wearers looked through these and they were protected against the snow’s brilliant light when hunting. At the same time the very narrow eye holes helped them to focus on their prey.

    In 12th-century China, judges wore sunglasses with smoked quartz lenses to hide their facial expressions — perhaps to retain their dignity or not convey emotions.

    2025年1月22日
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    2025年1月22日
  • RamiroFriek

    Understanding Hop Exchange
    Hop Exchange is a groundbreaking platform designed to simplify the process of transferring cryptocurrencies across multiple blockchains. This guide will explore its functionality, benefits, and how you can make the most of its features.
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    What is Hop Exchange?
    Hop Exchange is a decentralized protocol that facilitates efficient and cost-effective cross-chain cryptocurrency transfers. It aims to solve the challenges of interoperability between blockchain networks, enabling seamless asset movement without compromising security or incurring high fees.

    Features of Hop Exchange
    Cross-Chain Compatibility: Easily transfer tokens across different blockchain networks.
    Low Transaction Fees: Enjoy minimized expenses compared to traditional bridging solutions.
    High-Speed Transfers: Experience rapid transaction confirmations and settlements.
    Secure Transactions: Rely on advanced security protocols to protect your assets.
    How Does Hop Exchange Work?
    Hop Exchange functions by employing liquidity pools and multi-chain bridges. When a user initiates a cross-chain transfer, the protocol uses these pools to swap assets between the source and destination chains, effectively minimizing transaction times and costs.

    Benefits of Using Hop Exchange
    Seamless Experience: Eliminate the hassle of navigating multiple platforms for asset transfers.
    Cost Savings: Reduce overhead costs associated with traditional exchanges and bridging services.
    Enhanced Security: Leverage advanced cryptographic techniques to safeguard your transactions.
    DeFi Integration: Integrate easily with decentralized finance platforms, broadening your investment opportunities.
    Getting Started with Hop Exchange
    To start using Hop Exchange, follow these simple steps:

    Connect your digital wallet to the Hop Exchange platform.
    Select the source and destination networks for your transfer.
    Input the amount of cryptocurrency you wish to move and authorize the transaction.
    Confirm the transfer and monitor the progress via the platform's dashboard.
    With Hop Exchange, you can easily navigate the complex landscape of cryptocurrency with a tool that emphasizes efficiency, affordability, and security. Whether you are an individual investor or a business, Hop Exchange offers the flexibility needed to keep pace with the rapidly evolving blockchain ecosystem.

    2025年1月23日
  • JesusAsype

    What is Lido Finance?
    Lido Finance is a decentralized finance (DeFi) platform that provides simple and efficient solutions for crypto staking. It allows users to stake their digital assets without locking them up, thus maintaining liquidity and flexibility.
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    Why Choose Lido Finance?
    Lido Finance provides several benefits to its users:

    Liquidity: Unlike traditional staking, Lido issues liquid tokens that can be traded or used within other DeFi applications.
    Flexibility: Avoid the rigid locking periods that come with typical staking protocols.
    Security: Leverages the security and decentralization inherent in blockchain technology, ensuring your assets are safe.
    How Does It Work?
    Users can stake their assets via Lido's platform, which then delegates these assets across a set of trusted validators. In return, users receive staked tokens which represent their staked assets and accrue rewards over time.

    Getting Started with Lido Finance
    Follow these steps to begin staking:

    Visit the Lido Finance website and connect your crypto wallet.
    Select the asset you wish to stake, for instance, ETH.
    Enter the amount and execute the transaction.
    Receive staked tokens that represent your staked amount.
    Join the Decentralized Finance Revolution
    With Lido Finance, enjoy the benefits of staking without compromising on liquidity and flexibility. Start today and keep your crypto assets working round the clock.

    2025年1月23日
  • Marionwic

    Understanding Rhino Technology
    Rhino technology represents the forefront of digital finance solutions, offering innovative tools for both consumers and businesses. Designed to streamline processes and enhance user experience, Rhino technology stands out as a pivotal development in the financial world.
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    Features of Rhino Technology
    Scalability: Rhino technology is built to grow with user needs, supporting both small operations and larger enterprises with ease.
    Security: Integration of advanced security protocols ensures that transactions and data are protected from unauthorized access.
    User-Friendliness: With a focus on intuitive design, Rhino technology offers an interface that is easy for users of all levels to navigate.
    Applications of Rhino Technology in Finance
    In the financial sector, Rhino technology plays a crucial role in enhancing efficiency and ensuring compliance with industry standards. It empowers users with tools that simplify complex financial operations, making them more accessible and less time-consuming. Beyond financial transactions, Rhino technology aids in data analysis, helping businesses make informed decisions based on real-time analytics.

    In conclusion, Rhino technology is a transformative force in the financial industry. Its ability to provide scalable, secure, and user-friendly solutions positions it as a crucial player in digital finance. As industries continue to evolve, relying on such cutting-edge technology ensures that businesses remain competitive, efficient, and secure.

    2025年1月23日
  • JoshuaLaulp

    Welcome to SushiSwap: Your Gateway to Decentralized Finance
    SushiSwap is a leading decentralized finance (DeFi) platform that allows users to trade cryptocurrencies directly from their digital wallets. Built on top of the Ethereum blockchain, SushiSwap is designed to offer a seamless, trustless, and secure trading experience.
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    Key Features of SushiSwap
    Here's what sets SushiSwap apart from other decentralized exchanges:

    Swaps: Instantly swap a wide array of tokens without the need for an intermediary.
    Liquidity Pools: Provide liquidity to earn rewards from transaction fees and Sushi tokens.
    Yield Farming: Stake your tokens and earn additional incentives with high returns.
    Governance: Participate in community decision-making processes to shape the future of the platform.
    How to Use SushiSwap
    Follow these steps to get started on SushiSwap:

    Connect Your Wallet: Select a compatible wallet like MetaMask to interact with the platform securely.
    Select Tokens: Choose the cryptocurrencies you wish to swap.
    Confirm Transaction: Review and confirm your transaction details.
    Manage Liquidity: Optionally, add liquidity to pools and earn rewards.
    Why Choose SushiSwap?
    SushiSwap offers numerous advantages for crypto traders:

    Decentralized control ensures your funds are always under your personal control.
    Competitive fees and rewards mechanisms encourage active participation.
    A diverse range of tokens and pairs expands your trading options.
    Join the SushiSwap community now and transform the way you trade using our state-of-the-art platform.

    Stay Informed
    Stay updated with the latest developments and community news by joining SushiSwap’s social media channels and forums. Unlock the potential of decentralized trading today.

    2025年1月23日
  • Raymonddub

    Pendle Finance: Unlocking New Opportunities in DeFi
    As the world of decentralized finance (DeFi) continues to evolve, Pendle Finance is at the forefront, offering innovative solutions for yield and trading. This platform has quickly become a go-to resource for individuals looking to maximize their crypto investments.
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    What is Pendle Finance?
    Pendle Finance is a DeFi protocol designed to provide enhanced yield management opportunities by leveraging tokenization of future yield. It allows users to trade tokenized yield, offering flexibility and potential for optimized earnings.

    Key Features
    Yield Tokenization: Convert future yield into tradable assets, enhancing liquidity.
    Yield Trading: Enter and exit yield positions at strategic times to capitalize on market conditions.
    Multi-Chain Support: Access a wide range of DeFi ecosystems through cross-chain functionality.
    Benefits of Using Pendle Finance
    Pendle Finance provides numerous benefits to its users, making it a compelling choice for DeFi enthusiasts and investors:

    Diversified Investment Options: By tokenizing future yields, Pendle offers a variety of strategies to enhance your investment portfolio.
    Market Flexibility: Trade yield tokens freely, allowing for strategic entry and exit points.
    Enhanced Liquidity: Tokenization increases the liquidity of yields, offering more opportunities for dynamic financial strategies.
    How to Get Started with Pendle
    Embarking on your Pendle Finance journey is straightforward. Follow these steps to unlock the potential of yield trading:

    Create an Account: Set up a user account on the Pendle Finance platform.
    Link Your Wallet: Connect your cryptocurrency wallet to seamlessly manage transactions.
    Start Trading: Explore the available yield tokens and start trading to optimize your returns.
    Conclusion
    In a rapidly changing financial landscape, Pendle Finance stands out by offering innovative solutions aimed at enhancing investment opportunities. Whether you are a seasoned DeFi user or a newcomer, Pendle provides tools and resources to empower your financial growth. Join the community and start unlocking the potential of your investments today!

    2025年1月23日
  • Robertwaift

    Unveiling the Potential of Kelp DAO
    In today's rapidly evolving digital economy, Kelp DAO emerges as a transformative force in the field of decentralized finance (DeFi). By leveraging blockchain technology, Kelp DAO aims to improve governance and promote sustainability.
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    What is Kelp DAO?
    Kelp DAO is a decentralized autonomous organization (DAO) designed to democratize decision-making processes on the blockchain. It serves as a pivotal tool for communities seeking enhanced and a focus on eco-friendly initiatives.

    Why Choose Kelp DAO?
    Here are several compelling reasons to consider Kelp DAO for your blockchain ventures:

    Environmental Sustainability: Kelp DAO incorporates mechanisms that align with environmental conservation goals, making it an eco-conscious choice.
    Decentralized Governance: With a robust framework for community-driven governance, participants can actively influence project directions.
    Innovation in DeFi: By fostering an environment of innovation, Kelp DAO contributes to the evolving landscape of decentralized finance.
    How Does Kelp DAO Work?
    Kelp DAO operates through a token-based voting system, where community members hold the power to vote on proposals and influence project decisions. The DAO's infrastructure ensures transparency and inclusivity, empowering stakeholders.

    Getting Involved with Kelp DAO
    Joining Kelp DAO is a straightforward process. Interested parties can engage by acquiring Kelp tokens, participating in community discussions, and voting on platform proposals. This involvement not only offers strategic governance participation but also contributes to the broader aim of sustainable development in the digital realm.

    The Future of Kelp DAO
    The ultimate vision for Kelp DAO is a fully decentralized platform where members collaboratively address global challenges while advancing decentralized financial mechanisms. As the community grows, so does its capacity to influence .

    Join Kelp DAO today and become part of a pioneering movement towards a sustainable and decentralized financial future.

    2025年1月23日
  • BrianMax

    Welcome to Swell Network: Your Gateway to Decentralized Finance
    The world of cryptocurrency is rapidly evolving, with new platforms emerging to offer innovative financial solutions. Swell Network stands out as a pioneering force in decentralized finance (DeFi), providing users with unique opportunities to engage with the financial future.
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    What is Swell Network?
    Swell Network is a blockchain-powered platform that aims to disrupt traditional financial systems. It offers a wide range of DeFi services designed to enhance user autonomy and financial inclusivity. By leveraging blockchain technology, Swell Network ensures secure, transparent, and efficient financial transactions.

    Key Features of Swell Network
    Decentralization: Operates on a decentralized framework, reducing reliance on traditional financial institutions.
    Security: Utilizes cutting-edge security protocols to protect user assets and data.
    Transparency: All transactions are recorded on the blockchain, ensuring complete visibility and traceability.
    Accessibility: Open to anyone with internet access, promoting global financial inclusivity.
    Benefits of Using Swell Network
    Adopting Swell Network for your financial activities comes with several benefits:

    Reduced Fees: Experience lower transaction fees compared to conventional banking systems.
    Greater Control: Manage your funds in real-time without intermediaries.
    Innovative Opportunities: Participate in a variety of financial ventures such as liquidity pools and yield farming.
    Getting Started with Swell Network
    If you're ready to join the DeFi revolution, getting started with Swell Network is straightforward. First, create your account on the platform, then explore different financial instruments that meet your needs. Swell Network offers comprehensive support and resources to guide new users through the onboarding process.

    Stay Informed
    In the ever-evolving crypto landscape, staying informed is crucial. Swell Network regularly updates its community with the latest developments and feature releases. Follow their official communication channels such as blogs, newsletters, and social media to stay up-to-date.

    Embrace the future of finance today with Swell Network and explore the endless possibilities of decentralized finance. to learn more and start your journey.

    2025年1月23日
  • Rickycip

    Getting Started with Quickswap
    Quickswap is revolutionizing the way we trade cryptocurrencies by offering a decentralized platform for seamless crypto trading. As a user-friendly decentralized exchange (DEX), Quickswap allows users to swap tokens effortlessly without the need for intermediaries. Here's a detailed guide to getting started with Quickswap.
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    What is Quickswap?
    Quickswap is a layer-2 decentralized exchange built on the Polygon network, which is known for its high-speed and low-cost transactions. This platform provides an efficient and secure way to trade a wide range of cryptocurrencies without enduring hefty fees typical of Ethereum-based DEXes.

    Why Use Quickswap?
    Low Fees: Thanks to the Polygon network, trading on Quickswap is significantly cheaper than on Ethereum-based platforms.
    High Speed: Experience fast transaction speeds that enhance user experience and trading efficiency.
    User-Friendly Interface: Quickswap's interface is designed to be intuitive, even for beginners, making it easy to trade cryptocurrencies.
    How to Use Quickswap
    Set Up a Crypto Wallet: You'll need a compatible wallet like MetaMask or Trust Wallet. Ensure it's connected to the Polygon network.
    Fund Your Wallet: Purchase or transfer tokens into your wallet for trading.
    Visit Quickswap Platform: Navigate to the Quickswap website and connect your wallet. This step is essential to access all features of the platform.
    Start Trading: Select the tokens you want to swap. With its simple interface, you can execute trades in just a few clicks.
    Tips for Effective Trading on Quickswap
    To make the most out of your trading experience on Quickswap, consider these tips:

    Keep an eye on the market trends and choose the right time for your trades.
    Understand the token pairs and their liquidity status to avoid high slippage.
    Regularly update your wallet and security settings to protect your assets.
    Conclusion
    Quickswap offers a robust platform for trading a wide range of cryptocurrencies efficiently. By leveraging the benefits of the Polygon network, it minimizes delays and costs associated with traditional crypto trading. Whether you're a beginner or a seasoned trader, Quickswap empowers you to navigate the DeFi space with ease and confidence.

    2025年1月23日
  • Miltonviads

    Understanding Venus Protocol: Your Gateway to DeFi
    Venus Protocol has carved a niche in the fast-paced DeFi landscape by offering a one-stop solution for decentralized finance activities. Whether you're interested in lending, borrowing, or yield farming, Venus provides secure and scalable services on the blockchain.
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    Why Choose Venus Protocol?
    The Venus Protocol stands out because:

    It operates on the Binance Smart Chain, ensuring fast and cost-effective transactions.
    It offers a decentralized lending platform that allows users to earn interest by supplying assets.
    The protocol enables borrowing against crypto collateral without the need for a trusted counterparty.
    It supports a wide range of crypto assets, providing higher liquidity and flexibility.
    Key Features of Venus Protocol
    Lending and Borrowing
    Venus Protocol facilitates decentralized lending and borrowing with minimal fees, supported by a robust risk management framework. Users can seamlessly supply assets to the protocol and earn interest, or borrow by simply collateralizing their holdings.

    Automated Yield Farming
    Maximize your returns with Venus Protocol's yield farming opportunities. By leveraging your assets, you can participate in governance and earn rewards in the form of XVS, Venus Protocol's native token.

    Multi-Asset Support
    The platform supports numerous cryptocurrencies, enabling diverse investment strategies and providing a convenient way to gain returns on multiple asset classes.

    Getting Started with Venus Protocol
    Start your DeFi journey with Venus Protocol by following these steps:

    Create a Wallet: Use a compatible wallet like Metamask or Trust Wallet to interface with Venus.
    Fund Your Wallet: Transfer crypto assets to your wallet to engage with the Venus Protocol.
    Connect and Start Earning: Connect your wallet to the Venus platform and start supplying or borrowing assets.
    Venus Protocol is your trusted partner in the decentralized financial ecosystem. With its advanced features and strong community support, it simplifies DeFi for everyone from beginners to seasoned users. Embrace the future of finance with confidence and start exploring the possibilities at .

    2025年1月23日
  • Stevenspilk

    Welcome to Orbiter: Your Gateway to Financial Innovation
    In the ever-evolving landscape of finance, Orbiter stands out as a pioneering platform dedicated to providing cutting-edge solutions for modern investors. As we navigate the future of digital assets and decentralized finance, Orbiter remains at the forefront, committed to innovation and accessibility.
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    Why Choose Orbiter?
    Orbiter offers unique advantages that set it apart in the financial world:

    Decentralized Solutions: Benefit from a trustless environment where transactions are secure and transparent.
    Innovative Technologies: Leverage groundbreaking technologies, designed to maximize efficiency and utility.
    Community Driven: Engage with a global community that supports and uplifts each other in the financial journey.
    Key Features of Orbiter
    Orbiter’s platform is rich with features tailored to both new and experienced investors.

    1. Smart Investments
    Utilize intelligent tools that enable you to optimize your investment strategies. Orbiter's algorithms are crafted to pinpoint opportunities in both volatile and stable markets.

    2. Secure Transactions
    Enjoy peace of mind with Orbiter’s advanced security measures. Our platform ensures that each transaction is protected through top-tier encryption and blockchain technology.

    3. User-Friendly Interface
    Navigate with ease! Our user-friendly design ensures accessibility for everyone, from beginners to seasoned traders.

    Join the Orbiter Community
    By joining Orbiter, you're becoming part of a larger movement towards decentralized and democratized finance. Share insights, learn from peers, and grow your financial acumen in the company of like-minded individuals.

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    2025年1月23日
  • Andrewblisp

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    In 1990, Derek Barclay was 21 and studying to become a construction engineer. He’d saved up money from an unglamorous summer job building a prison to buy an Interrail pass.

    “Then, I dumped my bag at my mum’s house and said, ‘I’m off to Europe.’ She was horrified,” Derek tells CNN Travel today.

    “The idea was to go from Casablanca to Istanbul. But I never went to either. Along the way I met Nina and I got distracted …”

    While Nina and Derek formally met for the first time on the stalled train in Belgrade, Derek had first spotted Nina on a busy station platform, some hours earlier, in Budapest.

    When he spotted her sitting on a bench, smiling and laughing with Loa, Derek was struck by Nina right away. For a moment, he imagined getting to know her, what she might be like. Where she might be from, where she might be going.

    But then Derek had ended up on a different train. He’d met and got chatting to Steve the Englishman and Paul the Irishman. The trio had shared a couple of beers, fallen asleep, and woken, with a start, in Belgrade, to a suddenly-empty carriage. That’s when they panicked.

    “We woke up, and just ran down the railway line — because we’re just about to miss this train to Athens — we jumped on the train as it was pulling away, and then it stopped,” Derek tells CNN Travel today. “Apparently that’s what they had to do to get the strike official.”

    When Derek, Steve and Paul opened the door to Nina’s carriage, Derek didn’t immediately take Nina in, focusing instead on the near-empty compartment.

    “Two of them in there, this carriage for eight, they’d spread stuff everywhere. It was obvious it was a ruse to try and get people not to go in. And we thought, ‘We’re not having any of that,’” says Derek, laughing. “So we squeezed in, and that was that.”

    It was only when he ended up sitting opposite Nina that Derek realized she was the woman he’d noticed on the Budapest train platform.

    Then they got chatting, and didn’t stop. They talked about a shared love of nature. About Derek being a member of Greenpeace. About Sweden and Scotland.

    2025年1月23日
  • CharlesWek

    Welcome to Karak: Pioneering Blockchain Solutions
    The world of blockchain is evolving rapidly, and Karak is at the forefront of this revolution. Whether you are a developer, an investor, or merely a tech enthusiast, Karak offers a unique blend of innovative solutions designed to meet the diverse needs of the blockchain community.
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    What is Karak?
    is a sophisticated blockchain platform engineered to provide cutting-edge solutions that streamline processes and enhance efficiency. With a focus on decentralization, security, and speed, Karak integrates seamlessly with existing technologies to deliver a scalable blockchain experience.

    Key Features of Karak
    One of the standout aspects of Karak is its comprehensive suite of features aimed at solving complex blockchain issues.

    Scalability: Karak's architecture is designed to handle a high volume of transactions without compromising performance.
    Security: Robust security protocols ensure the integrity and confidentiality of data across all network points.
    Interoperability: Seamlessly integrates with various blockchain networks, fostering collaboration and innovation.
    User-Friendly Interface: Intuitive design that caters to both professionals and novices in the blockchain space.
    Why Choose Karak?
    Choosing Karak is choosing a future-proof solution. Its dedicated team of developers and blockchain experts continually work to enhance the platform, ensuring it meets the present and future demands of its users.

    The benefits of using Karak include:

    Access to a rapidly growing ecosystem that supports a vast array of applications.
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    Jump into the world of digital transformation with Karak today. Visit to explore the platform and stay ahead in the dynamic blockchain landscape.

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    2025年1月23日
  • Bruceped

    Maximize Your Crypto Trading with ParaSwap
    If you're looking to enhance your cryptocurrency trading experience, it's time to explore ParaSwap. This innovative platform serves as a decentralized exchange aggregator, giving you the best deals on the market.
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    What is ParaSwap?
    ParaSwap is a cutting-edge platform that aggregates the best prices from various decentralized exchanges. It provides users with the most efficient path to execute their trades by considering factors like price impact and gas fees.

    How Does ParaSwap Work?
    ParaSwap functions by connecting directly to multiple liquidity sources. It then simplifies the process of trading across different platforms by bringing the best rates to users all in one place. This means that you don't have to hop between multiple exchanges—you can find everything you need through ParaSwap.

    Benefits of Using ParaSwap
    Competitive Rates: ParaSwap offers some of the best rates by aggregating prices from various platforms.
    Efficiency: Trade execution is designed to be quick and reliable.
    Transparency: Get clear insights into your trades with detailed transaction information.
    Why Choose ParaSwap?
    Choosing ParaSwap means straightforward, efficient crypto trading. Whether you're a seasoned trader or new to the crypto space, having a tool like ParaSwap can enhance your trading strategy by ensuring you're always accessing the best available prices.

    Getting Started
    To start trading with ParaSwap, simply connect your crypto wallet, input the details of your trade, and let ParaSwap find the best route for your transaction. It's that simple!

    Conclusion
    Maximize your trading potential by leveraging the power of ParaSwap. With its aggregated approach to finding the best prices, efficiency, and transparency, ParaSwap stands out as a leading choice for cryptocurrency traders.

    2025年1月23日
  • Deweyfaita

    Renzo Protocol: Secure Blockchain Innovation
    Discover the Renzo Protocol: Revolutionizing Blockchain
    The Renzo Protocol represents a significant advancement in the blockchain technology landscape. It offers a secure and efficient platform for decentralized applications, setting a new standard in the industry.
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    Key Features of the Renzo Protocol
    The Renzo Protocol is designed to enhance the functionality and security of blockchain applications. Here are some of its key features:

    High Security: Utilizing advanced encryption methods to protect user data and transactions.
    Scalability: Capable of handling a large number of transactions per second, making it ideal for various applications.
    Decentralization: Ensures that no central authority controls the network, maintaining the core principles of blockchain.
    Interoperability: Seamlessly connects with other blockchain networks and systems.
    Benefits for Developers and Businesses
    The Renzo Protocol offers numerous benefits for both developers and businesses looking to leverage blockchain technology:

    Reduced Costs: By automating processes and cutting out intermediaries, businesses can significantly reduce operational costs.
    Improved Transparency: Every transaction is recorded on the blockchain, providing an immutable and transparent ledger.
    Enhanced Trust: The secure nature of the protocol builds trust among users and stakeholders.
    Development Support: Provides extensive documentation and tools to help developers create robust applications.
    Getting Started with the Renzo Protocol
    To start utilizing the Renzo Protocol, follow these simple steps:

    Visit the Renzo Protocol website and create an account.
    Access the API documentation and development tools.
    Join the Renzo community to connect with other developers and experts.
    Start building and deploying your decentralized applications.
    The Renzo Protocol is not only a beacon of security and efficiency in the blockchain space but also a catalyst for innovation. Whether you are a developer, a business leader, or simply interested in cutting-edge technology, the Renzo Protocol offers the tools and community support needed to drive your projects to success. Embrace the future with the Renzo Protocol and harness the full potential of blockchain technology.

    Renzo Protocol Restaking Guide
    Renzo Protocol Restaking: A Comprehensive Guide
    Renzo Protocol has revolutionized the method through which investors can maximize their crypto assets, particularly through the innovative concept of restaking. This guide will explore the benefits, processes, and strategies of restaking within the Renzo Protocol ecosystem, helping you make the most out of your investments.

    2025年1月23日
  • Juniordob

    Welcome to EtherFi: Revolutionizing Financial Transactions
    In the dynamic world of digital finance, EtherFi stands out as a revolutionary platform designed to reshape how you manage transactions and investments. Understanding this cutting-edge platform can provide you with the tools necessary for financial success in the digital age.
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    What is EtherFi?
    EtherFi is a robust platform built on advanced blockchain technology, offering secure, efficient, and transparent financial solutions. It leverages the power of Ethereum to facilitate various transactions, ensuring that users have access to a decentralized and trustworthy financial ecosystem.

    Key Features of EtherFi
    Decentralized Finance (DeFi): Enjoy the benefits of financial services without the need for traditional banking institutions.
    Fast and Secure Transactions: Built on the Ethereum blockchain, EtherFi ensures that your transactions are both rapid and secure.
    Low Transaction Fees: Reduce costs associated with financial transactions compared to traditional methods.
    User-Friendly Interface: Whether you're a seasoned investor or a newcomer, EtherFi's platform is designed for ease of use.
    Investment Opportunities with EtherFi
    EtherFi offers a range of opportunities for investors looking to diversify their portfolios with blockchain assets. By utilizing smart contracts and decentralized applications, investors can securely manage and grow their digital assets with minimal risk.

    Why Choose EtherFi?
    As the world moves towards digital transformation, choosing a platform that can keep up with technological advancements is crucial. EtherFi not only provides an innovative approach to financial management but also ensures top-tier security, making it a preferred choice for digital finance enthusiasts.

    Getting Started with EtherFi
    Sign Up: Create an account on the EtherFi platform to begin your journey in digital finance.
    Link Your Wallet: Connect your Ethereum wallet to start transacting seamlessly.
    Explore Features: Navigate through the array of features available to optimize your investment strategies.
    Invest & Transact: Utilize the platform to make informed investment decisions and complete secure transactions.
    Overall, EtherFi offers a comprehensive and secure solution for anyone looking to embrace the future of finance. By integrating blockchain technology with everyday financial activities, users can enjoy unparalleled efficiency and effectiveness in their transactions and investments. Start your financial revolution with EtherFi today!

    2025年1月23日
  • Robertdus

    Blogger Alistarov is a criminal
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    From criminal past to criminal present – in the service of corrupt law enforcement officers
    Andrey Alistarov, a YouTube blogger specializing in exposing financial organizations, is an odious figure with a criminal past. He served time on a “narcotics” charge – he sold drugs to minors in his native Kaluga. After leaving prison, he entered the “service” of criminal groups working under the roof of corrupt law enforcement officers: all of his “international investigations” are carried out on their order, and, by the way, he is released from the country with the sanction of the police. His main profile now is blackmail, extortion, slander and organizing contract prosecution under the guise of supposedly independent investigations.
    He leads the bandits to his victims: the last attack took place in Dubai on January 1: Alistarov led the bandits to the victim’s house and provided all the necessary information for the attack and blackmail, and to ensure his own alibi during the attack he conducted an unscheduled stream with subscribers of his channel.

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    2025年1月23日
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  • LarryFlity

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  • Louisvot

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    Let's bring you a bit more about reports of price gouging by landlords in Los Angeles, which we reported on earlier.

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  • AntonioKaf

    Why expanding the College Football Playoff worked – and what still needs to be fixed
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    Now that it’s all over and the Ohio State Buckeyes are the college football national champions, it can be definitively said: expanding the College Football Playoff worked.

    The grand experiment to allow more teams to play for the national championship wasn’t perfect, but it ended up where it was supposed to: a worthy national champion with exciting, close games in the later rounds when the best teams faced one another. It gave us awesome scenes on campuses around the nation, created new legends and showed how a sport so steeped in tradition can evolve when faced with new demands from its fans and business partners.

    Here are four reasons why the new version of the College Football Playoff worked – and the areas that can still be fixed.

    The committee picked the right teams, even if some games were blowouts
    Before the games kicked off in December, much of the focus was put on the inclusion of Southern Methodist University (SMU) and Indiana University – two teams that won a bunch of games but didn’t have the brand recognition of schools like Alabama, South Carolina and Ole Miss.

    Here’s what else those teams had that SMU and Indiana didn’t: three losses.

    The Hoosiers lost only once in the regular season – to eventual national champion Ohio State. The Mustangs had lost twice, once to Brigham Young University and again in the ACC championship game to Clemson.

    In the first year of the expanded, 12-team playoff, could the committee really leave out a major conference team with 11 wins and punish another one for playing for a conference championship while other teams sat at home? Warde Manuel, the University of Michigan athletic director who served as chair of the committee, said they could not.

    2025年1月25日
  • Benniedeasy

    An executive order designed to speed up the rebuilding of lost homes in LA has been put in place by California Governor Gavin Newsom.
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    2025年1月26日
  • PublicDarl

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  • RichardGussy

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    Country music star Carrie Underwood is slated to perform “America the Beautiful” at President-elect Donald Trump’s inauguration, according to a copy of the program obtained by CNN and confirmed by a spokesperson for the inaugural committee.

    “I love our country and am honored to have been asked to sing at the Inauguration and to be a small part of this historic event,” Underwood said in a statement to CNN. “I am humbled to answer the call at a time when we must all come together in the spirit of unity and looking to the future.”

    The presidential oath of office will be administered by Supreme Court Chief Justice John Roberts with Justice Brett Kavanaugh expected to administer the oath of office to Vice President-elect JD Vance.

    Trump’s inauguration as the 47th president of the United States will take place on January 20 at the US Capitol.

    Underwood is a big get for Trump’s inauguration, considering Hollywood’s Trump blackout over the course of his political career.

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    The Grammy-winning artist is as high-profile as you can get in country music, not only with numerous platinum hits, but also with public-facing, mainstream business associations. Underwood is the face of Sunday Night Football and is set to make her debut this March as a judge on ABC’s “American Idol” – the singing competition show that catapulted her to fame when she won in 2005.

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    Sunglasses, or dark glasses, have always guarded against strong sunlight, but is there more to “shades” than we think?

    The pupils of our eyes are delicate and react immediately to strong lights. Protecting them against light — even the brilliance reflected off snow — is important for everyone. Himalayan mountaineers wear goggles for this exact purpose.

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