Memecoins, fixed interest rates Defi and tokenization- Is the future of finance or exaggerated trend?
Charles St., CEO of Delv headquartered in Texas Louis has formed an environment for more than 10 years, specializing in fixed rate loans, tokenized real assets and governance. In this extensive discussion, he solved the reality of over -advertising from Memecoins as a way to change the tokenhwai investment structure as an on boarding tool.
Read St. Lewis’ Deficit Governance, Regulatory Shift and Trump Administration’s Evolutionary Encryption.
Memecoin critics quote high trading risks, extreme volatility and pump and dump systems. What is your take?
Memecoins are exactly what the word suggests and exactly: Mim. They do not have basic utility, profit models or long -term basics. You want to get attention as you buy trends. Unlike structured Defi tokens such as Maker or MORPHO, which has a real profit generation mechanism, Memecoins is purely speculative. In other words, there is a silver lining. Memoin brings more people to the encryption space. They act as an on board tool and expose retail investors to digital assets. Hope begins to explore more practical financial alternatives by participating in encryption through memo coin. But it assumes that their experience in Memecoins does not talk about the actual values provided through Defi.
Regarding the fixed rate Defi product: If the basic asset or collateral suddenly lost, isn’t such a loan model that can’t be sustained? Pretend to be a borrower. Why can’t I worry?
We have built two core fixed interest rates in Delv. The first is a fixed speed yield, which functions in some ways like the zero coupon bond. The user purchases encryption at a discounted price and matures overall value over time. Buying 0.95 ETH and watching it grows to 1 eth. This is ideal for passive investors who want predictable profits without actively managing volatility.
The second product is a fixed interest rate borrowing. HyperDrive allows you to effectively create a fixed interest rate version of existing variable speed borrowing markets such as MORPHO or Spark. This is important for institutions that require stability.
As for risks, most defect borrowings are excessive orthodoxy, so the user must raise $ 150 to borrow $ 100. As a result, non -hydrogen loans are much less dismissed than general traditional finance. The true task of Defi borrowing is digital identity and reputation without credit scores, and there is no way to evaluate the reliability of the user. Until it is solved, excessive supervision is necessary for risk management.
Is there any company at the forefront of RWAS (Real-WORLD ASSETS) tokenization? There are many conversations, but there seems to be no implementation.
Token is a game changer because it eliminates the non -efficiency of the traditional financial market. Instead of a slow paper-based process, assets such as real estate and finance bills (T-Bills) can be immediately token and can be traded 24/7/365. This not only increases liquidity, but also expands access to global investors. For example, manufacturers token real estate assets and borrow in real time, so bank approval is not needed slowly. Similarly, tokenized T-Bills allows people with Internet connections to invest in government debt without brokers. It is about accessibility and efficiency. There are many stories about RWA, and we are still early, but we are seeing serious adoption. Franklin Templeton, Blackrock and JPMORGAN are moving to tokenized securities. Ondo Finance connects Defi Capital to RWA, and MAPLE Finance focuses on the hot chain credit market.
What is the next step of Defi Governance as regulatory clarity increases?
Many teams started the DAO too early and completely controlled the token holder before the proper infrastructure was prepared. This resulted in non -efficiency, voter indifference and governance attacks. Regulatory clarity allows a more systematic approach. The United States has begun to recognize the ‘Safe Harbor’ clause (at least mental), which can gradually change control to DAO instead of decentralization overnight. This will lead to a more sustainable governance model. In addition, the legal wrapping paper for the DAO is gradually generalized and can be operated as a structured business. At present, many DAOs may have difficulty in managing large finance by complying with taxes or responsibility problems. It will change as regulatory clarity improves.
Trump is solving the regulations around Crypto. Do you have any questions that you deserve more attention??
Trump took a more approach to encryption regulations and provided a positive attitude to innovation while providing time to develop thoughtful approaches to construct a key mission. It was clearly noted in the market to reduce regulatory reduction policies (such as the US Securities and Exchange Commission) and National Bitcoin Reserve.
But you can pay more attention to Stablecoin and actual assets and regulatory methods. The value of Bitcoin cannot be rejected, but it has become a buzzword that darkens stablecoins and tokenized assets, which are likely to serve as a basic component of the institution.