Open protocol – 开放协议区块链毕设代写

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Open protocol

An autonomous lending framework enabling under-collateralized loans for upto 1:3 collateral-to-debt ratio.

About Open

DeFi lending today requires a borrower to provide collateral that exceeds the actual borrow. This diminishes the utility of decentralised lending. Open protocol’s proposed solution enables borrowers borrow upto 3 times their collateral. Open is the only product in the market today capable of implementing a defi lending solution that is comparable to traditional finance

  1. Whitepaper
  2. Whitepaper summary

Concept

Hashstack’s Open protocol encourages productive lending. Productive lending is when the money is borrowed to boost personal finances. When Hashstack lends, it assumes that the borrowers use the funds productively to earn a profit so that they can pay the lender back while keeping some extra earnings to themselves. When the loan is outstanding it is an asset for the Hashstack and its depositors, while a liability (debt) to the borrower. When a loan is repaid, the assets and liabilities disappear, and the exchange is good for both the borrower and creditor.

Open permits a collateral-to-debt ratio of upto 1:3, i.e. a borrower can seek a loan upto $300 usd against $100 usd collateral. CDR is a simple formula to calculate.

𝐶𝐷𝑅 = 𝐶𝑢𝑠𝑑 ÷𝐿𝑢𝑠𝑑

  • 𝐶𝐷𝑅 = 𝐶𝑜𝑙𝑙𝑎𝑡𝑒𝑟𝑎𝑙 𝑡𝑜 𝑑𝑒𝑏𝑡 𝑟𝑎𝑡𝑖𝑜
  • 𝐶 𝑢𝑠𝑑 = 𝐶𝑜𝑙𝑙𝑎𝑡𝑒𝑟𝑎𝑙 𝑣𝑎𝑙𝑢𝑒 𝑖𝑛 𝑈𝑆 𝑑𝑜𝑙𝑙𝑎𝑟𝑠.
  • 𝐿 𝑢𝑠𝑑 = 𝐿𝑜𝑎𝑛 𝑣𝑎𝑙𝑢𝑒 𝑖𝑛 𝑈𝑆 𝑑𝑜𝑙𝑙𝑎𝑟𝑠.

Supported tokens

During its early operational period, Open protocol will support BNB, USDC, STACK as acceptable denominations for deposit, borrow & withdrawal. This means, an account can deposit tokens, or borrow in these denominations only. ****


开放协议

一个自主的贷款框架,支持抵押贷款不足,抵押债务比率高达1:3

关于开放

如今的DeFi贷款要求借款人提供超过实际借款的抵押品。这削弱了分散贷款的效用。Open protocol提出的解决方案使借款人能够借到最多3倍的抵押品。Open是当今市场上唯一能够实施defi贷款解决方案的产品,该解决方案可与传统金融相媲美

  1. 白皮书
  2. 白皮书摘要

概念

Hashstack的开放协议鼓励生产性贷款。生产性贷款是指借钱来增加个人财务状况。当Hashstack贷款时,它假设借款人有效地使用资金来赚取利润,这样他们就可以偿还贷款,同时为自己保留一些额外的收入。当贷款未偿还时,它是Hashstack及其储户的资产,而对借款人是负债(债务)。当一笔贷款被偿还时,资产和负债就消失了,这种交换对借款人和债权人都有利

Open允许抵押品与债务的比率高达1:3,即借款人可以寻求高达300美元的贷款与100美元的抵押品。CDR是一个简单的计算公式

𝐶𝐷𝑅 = 𝐶𝑢𝑠𝑑 ÷𝐿𝑢𝑠𝑑

  • 𝐶𝐷𝑅 = 𝐶𝑜𝑙𝑙𝑎𝑡𝑒𝑟𝑎𝑙 𝑡𝑜 𝑑𝑒𝑏𝑡 𝑟𝑎𝑡𝑖𝑜
  • 𝐶 𝑢𝑠𝑑 = 𝐶𝑜𝑙𝑙𝑎𝑡𝑒𝑟𝑎𝑙 𝑣𝑎𝑙𝑢𝑒 𝑖𝑛 𝑈𝑆 𝑑𝑜𝑙𝑙𝑎𝑟𝑠.
  • 𝐿 𝑢𝑠𝑑 = 𝐿𝑜𝑎𝑛 𝑣𝑎𝑙𝑢𝑒 𝑖𝑛 𝑈𝑆 𝑑𝑜𝑙𝑙𝑎𝑟𝑠.

支持的令牌

在其早期运营期间,开放式协议将支持BNB、USDC、STACK作为可接受的存款、借款和;撤回这意味着,账户只能存放代币或以这些面额借款。***

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