When FinTech Met DeFi 当金融技术遇到去中心化金融时
What are the possibilities for financial control when FinTech & DeFi come together? Find out here. 当金融技术和分散金融融为一体时，进行财务控制的可能性是什么?
The biggest financial news in recent weeks is the IPO of Ant Group — it was to be the largest IPO in the history of all IPOs (until it was suspended on November 2, 2020).
The FinTech group is known for its Alipay mobile wallet app that handles payments. However, it aims to be a one-stop digital financial hub that also provides users access to investing, insurance services, and wealth managment with the use of financial technology and cloud services.
The expansion of financial technology services by the Ant Group is an indication of the growth and acceptance of FinTech worldwide.
Despite the growing global use of financial technology, there are questions of the security and privacy of personal data stored on cloud servers, as well as the transparency of transactions to prevent counterfeit or fraud.
What is FinTech
FinTech is the use of innovative technology to improve the delivery of financial services.
Current FinTech uses include the wireless transfer or remittance of funds, lending and borrowing of money without going through a financial intermediary, financial insurance products, and cryptocurrency investment and trading.
One good example of FinTech are lending apps, such as the Plutus lending app. It allows users to easily invest or borrow funds on its FinTech platform, and earn more competitive interest than traditional savings. In fact, just by depositing funds & keeping them on the app, users can earn 1% interest each month.
In some ways, FinTech aims to disrupt the current distribution and infrastructure models that traditional financial services operate on.
What is DeFi
FinTech transactions still require personal data such as telephone numbers and a password for setting up accounts. These personal information is stored on a cloud server, which is susceptible to hacks or other security breaches. One such example is the recent data breach faced by online retail platform, Lazada.
One way to manage these challenges is with Decentralised Finance, which is the opposite of centralised finance.
For the latter, a financial institution has the final say on how investments, trading, and loans are done. Many users have difficulties accessing financial services provided by traditional financial insitutions due to requirements such as high value collateral, loan limits, high loan interest rates, and border restrictions.
In DeFi, there are many apps running on blockchain technology. This distributes decisions among the users of the dApps, providing a peer-to-peer financial system. Users decide between themselves on financial matters such as what can be accepted as collateral and its value, how small or large a loan can be, loan interest rates and repayment periods, and more.
This peer-to-peer system enables more people access to financial services that they otherwise may not have access to.
The blockchain technology that dApps use help ensure that all transactions are immutable and transparent. This greatly reduces the incidence of fraud or counterfeit since transactions can be tracked to who made them, when they were made, and how much.
Blockchain technology also makes it harder to hack for user information or account access. Users need to provide a key to the people authorised to access their information or account. Only those with the correct key are able to view detailed information or process transactions.
A feature of DeFi is cryptocurrency, which is digital currency secured by cryptography. This makes the digital currency nearly impossible to counterfeit or double-spend.
As the volatility of the cryptocurrency is determined by demand and supply of peers, and are not affected by other economic factors that traditional currencies are susceptible to.
This allows more people to easily start trading in cryptocurrencies without the need of a huge initial capital, and they have total control over their investment decisions.
Working Hand in Hand
It can be seen that DeFi provides security to FinTech transactions, while bringing more financial control into the user’s hands.
Let’s take a look at PlutusSwap to explain this.
PlutusSwap is a revolutionary Automated Market Maker protocol built by the Plutus Capital community and powered by the yPLT, which is its governance token.
Besides earning high yield on PlutusSwap, holders of yPLT can vote on proposals and decide on future development of the PlutusSwap ecosystem.
There are over 1500 Monthly Active Users (MAU) on the Plutus Capital Lending app, allowing users to lend, borrow and earn interest.
Plutus Capital will be implementing PlutusSwap AMM into our existing lending app, leveraging on the efficiency of an AMM system instead of using a traditional order book or arbitraging from the various exchanges in order for the lending function to work.
Harnessing on the power of DeFi with the integration of FinTech infrastructure and DeFi protocols!
Disclaimer
Before you buy or invest in PLT or yPLT, please take the time to understand the rewards model, as well as the risks involved. All decisions that you make on the Plutus or PlutusSwap platforms will be your sole responsibility.
About Plutus Capital
Plutus Capital is backed by a FinTech system built on a public blockchain, where an individual can enforce greater control of his own funds. The Plutus blockchain and token rely on the tamper-proof nature of ledger as well as smart contract and validation to ensure all processes are safe and secure.
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最近几周最大的财经新闻是蚂蚁集团的首次公开募股-这将是有史以来所有首次公开募股的最大规模的首次公开募股（直到2020年11月2日被停牌）。
金融科技集团以处理支付的支付宝移动钱包应用程序而闻名。但是，它的目标是成为一站式的数字金融中心，通过使用金融技术和云服务，还为用户提供投资，保险服务和财富管理的访问权限。
蚂蚁集团对金融技术服务的扩展标志着全球金融科技的增长和接受。
尽管全球越来越多地使用金融技术，但仍然存在以下问题：存储在云服务器上的个人数据的安全性和私密性，以及防止伪造或欺诈行为的交易透明性。
什么是金融科技
金融科技是利用创新技术来改善金融服务的提供。
金融科技目前的用途包括无线转账或汇款，不经过金融中介机构进行借贷和借贷，金融保险产品以及加密货币投资和交易。
金融科技的一个很好的例子是贷款应用程序，例如普利拓斯贷款应用程序。它使用户可以轻松地在其金融科技平台上投资或借入资金，并获得比传统储蓄更多的竞争利益。实际上，仅需存入资金并将其保留在应用程序上，用户就可以每月赚取1％的利息。
金融科技旨在以某种方式破坏传统金融服务所使用的当前分销和基础设施模型。
什么是分散式金融
金融科技交易仍然需要个人数据，例如电话号码和用于设置帐户的密码。这些个人信息存储在云服务器上，容易受到黑客攻击或其他安全漏洞。这样的例子就是最近的在线零售平台Lazada面临的数据泄露。
解决这些挑战的一种方法是使用分散式金融，这与集中式金融相反。
对于后者，金融机构对如何进行投资，交易和贷款拥有最终决定权。由于诸如高价值抵押品，贷款限额，高贷款利率和边界限制之类的要求，许多用户难以获得由传统金融机构提供的金融服务。
在分散式金融中，有许多应用程序在区块链技术上运行。这可以在dApp的用户之间分配决策，从而提供对等财务系统。用户可以在财务事项之间做出决定，例如可以接受的抵押物及其价值，贷款的大小，贷款利率和还款期限等等。
这种点对点系统使更多的人可以使用他们原本可能无法使用的金融服务。
dApps使用的区块链技术有助于确保所有交易都是不变且透明的。由于可以跟踪交易的进行者，时间和金额，因此可以大大减少欺诈或伪造的可能性。
区块链技术还使破解用户信息或帐户访问变得更加困难。用户需要向有权访问其信息或帐户的人员提供密钥。只有拥有正确密钥的人员才能查看详细信息或处理交易。
分散式金融的一个功能是加密货币，它是由加密技术保护的数字货币。这使得数字货币几乎不可能伪造或双花。
由于加密货币的波动性是由同行的需求和供应决定的，并且不受传统货币易受其他经济因素的影响。
这使更多的人可以轻松地开始进行加密货币交易，而无需大量的初始资金，并且他们可以完全控制自己的投资决策。
携手合作
可以看出，分散式金融为金融科技交易提供了安全性，同时将更多的财务控制权移交给了用户。
让我们看一下PlutusSwap进行解释。
PlutusSwap是由普利拓斯社区构建的革命性的自动做市商协议，并由yPLT（其管理令牌）提供支持。
yPLT持有者除了在PlutusSwap上获得高收益外，还可以对提案进行投票并决定PlutusSwap生态系统的未来发展。
普利拓斯资本借贷应用程序上有1500多个月活跃用户，允许用户借贷，借贷和赚取利息。 普利拓斯资本将利用自动做市商(AMM)系统的效率，在我们现有的借贷应用程序中实现PlutusSwap AMM，而不是使用传统的订单簿或从各个交易所套利以使借贷功能正常工作。通过金融技术基础架构和DeFi平台的集成，充分利用DeFi的强大功能！
免责声明
在购买或投资P币之前，请花时间了解奖励模式以及所涉及的风险。您在普利拓斯平台上做出的所有决定将由您全权负责。
普利拓斯资本介绍
普利拓斯资本由建立在公共区块链上的金融科技系统作为后盾，在这个系统中，个人可以对自己的资金实施更大的控制。普利拓斯区块链和代币依赖账本的防篡改性质以及智能合约和验证，以确保所有流程安全可靠。
