Jay：经过短短一个月的时间，大饼从29000一路回到50000。所以要沉得住气，还是那句话，不要做空自己的事业。最近Defi锁仓市值创造了新高，达到1360亿美元，距离历史最高点只差200亿美元。能吸引如此大量的资金，最重要的理由当然是其高额的回报率带来的财富效应。在我们想参与进去，获得Defi带来的红利时，我们不得不面临这几个问题:哪些借贷平台可以让你获得最高收益？哪个 DEX 可以提供最低滑点？哪些稳定币能够确保长期安全？要解决这些问题，需要我们有足够专业的知识，还要花费大量时间经历去调研和持续关注市场的变化。毫无疑问，大多数人需要DeFi 聚合器帮我们处理这些问题，DeFi 行业向聚合方向发展也已经变成了一种未来趋势，因为越来越多用户和资金开始流向 DeFi。
In just one month, BTC went from $29,000 all the way back to $50,000.So stay calm. Again, don’t short your enterprise.Defi’s TVL recently hit a new high of $136bn, just $20bn shy of its ATH.The most important reason for attracting such a large amount of capital is, of course, the wealth effect of its high rate of return.When we want to participate and reap the dividends of Defi, we have to face the following questions:Which lending platforms will give you the best returns?Which DEX provides the lowest slip point?Which stablecoins will ensure long-term security?To solve these problems, we need to have enough expertise, spend a lot of time on research and keep an eye on market changes.There is no doubt that most people need DeFi aggregators to help us deal with these issues, and the DeFi industry’s move towards aggregations has become a trend of the future as more and more users and money start flowing to DeFi.SkyrimFinance, which comes to EncryptClub today, is a decentralized structured finance market with multi-chain deployment, which can provide users with Defi products suitable for their own. Let’s have an in-depth understanding of how they do it.
JAY：今天，我们有幸邀请到Skyrim Finance项目的运营与营销总监Johnny Lee来到我们社群，为我们详细介绍Skyrim Finance项目的创立初衷和对未来的展望。
Today, we are honored to have Johnny Lee, the Ops & Marketing Directorof Skyrim Finance with us, to introduce the origin and the future of the project to us in details.
Welcome to EncryptClub, Johnny Lee. Could you please introduce yourself to our community?
Johnny Lee：Hi there guys. This is Johnny Lee. I am currently responsible for Skyrim Finance’s marketing and community growth.
Just a short intro about my background. I have been in this space since early 2018. I think I have been witnessing the boom of cryptocurrency. Having worked for people in several decentralized projects and centralized exchanges as well. I decided to launch my own career in this space, and partner up with some of the smartest people in this space.
I like to think of myself as a guy who worked on almost all positions in crypto.
My partner Peter, the Co-founder of Skyrim Finance. He has extensive experience in investment, project development, investor relations, and financial product design. Over his experience, he has invested in a decent number of crypto startups and also led derivative products design for leading financial institutions, including Citigroup, J.P. Morgan, and HSBC.
We also have a tech team of six people. Four of them are working on smart contract development. One on the front-end design and the other responsible for back-end development.
They are all well-versed in this space and have deep roots in crypto communities.
What is Skyrim Finance? And what is the Structure Finance that this project is based on?
Johnny Lee：So we position Skyrim Finance as the First Multichain Decentralized Structured Finance Marketplace. If you take a look at our website, it says Skyrim Finance aims to build the Robo-Advisor of DeFi ecosystem, meaning we want to systematize and automate DeFi farming and its products.
The objective of Skyrim Finance is to help investors of different profiles have risk-adjusted return through fixed-rate and leveraged-yield DeFi products.
We think this is a very interesting narrative.
Pretty sure everyone here can agree that we humans aren’t emotionless beings even if we try to, and it certainly can be a problem when it comes to managing our portfolio, or even making generic decisions in our day to day life.
I read an article on Trading Psychology, and it always says the same thing: that being hot-headed (fear, greed, lack of discipline, etc) is very costly. I am pretty sure crypto fans can understand this.
So we might appreciate an automated entity to help us leverage the best yield mixture for BSC, Polkadot, and Ethereum-based assets. That’s where Skyrim will be the solution!
According to our market research, Robo-advisors currently manage around $460 billion, and this industry is expected to grow to $1.2 trillion by 2024.
Structure Finance can be considered as a combination of financial derivatives. It is usually a structured product that derives from a series of derivatives, with a purpose to achieve a certain return.
And with the flexibility and customizability of Structured Finance and DeFi, we will be able to execute the strategic planning adequately.
We build this project because we think there is a massive void our team can fill in this market. The DeFi market consists of at least two general types of DeFi investors. We aim to create a blended product that fits between these two target markets, so that participants can have a single touch hedged approach to DeFi.
What is your view on DeFi? and the future of Decentralized Finance development?
Johnny Lee：Personally, I am very happy to work with some of the smartest people I met in the DeFi space. And in the past few years, all of us in the crypto space have been in the front seats bearing witness to an extraordinary wave of DeFi innovations and the explosive growth that comes with them, especially in the sectors of decentralized trading, lending/borrowing, options, fixed-rate return, algorithmic stable coins, synthetic assets, and more
The objective of Skyrim Finance will never change. It is to help investors of different profiles have risk-adjusted return through fixed-rate and leveraged-yield DeFi products.
I am absolutely bullish about the future of decentralized finance. Do you guys know that DeFi TVL just reached its All Time High. It bounced back right away after the market correction.
And I am equally bullish about Skyrim Finance because DeFi is bound to take off and Fixed-Rated products will have their place in the decentralized market.
Skyrim Finance的目标永远不会改变。它是通过固定利率和杠杆收益率的DeFi产品，帮助不同类型的投资者获得风险调整后的回报。我绝对看好去中心化金融的未来。你们知道吗，DeFi TVL刚刚达到历史最高。市场调整后，它立即反弹。我同样看好Skyrim Finance，因为DeFi必将起飞，固定评级产品将在去中心化市场占据一席之地。
So what are the protocols supported by Skyrim Finance on these public chains? Will there be any differences for products on these chains? Will you consider other public chains such as Solana, and Near in the future?
Johnny Lee：At this moment, we plan to launch on ETH. Then after our TGE event, we will tap into the Binance Smart Chain communities and finally integrate ourselves into Polkadot when the technical roadmap is clear.
Launching on ETH is an obvious choice for us because this is how we can drive as much adoption as possible. Of course we are not ruling out any other public chains or ecosystems because we aim to be inclusive. Being multi-chain is part of our mission.
I personally don’t think there will be much difference in Polkadot because at the end of the day, it is all about creating a great user experience. We want our users to have no burden when using our product even if we are operating on different underlying structures. We definitely want our marketplace users to enjoy using our product. And we will do everything to offer them a seamless experience.
Jay：Skyrim Finance 还计划通过什么方式实现互操作性?将来你们会考虑推出NFT吗?
Skyrim Finance is also planning to achieve interoperability through? Will you consider launching NFT as well in the future?
Johnny Lee：Oh we love the trend. We firmly believe diversity makes this space better.As you can see here that we are built with the vision to be interoperable with NFT
But at this moment we are not jumping on the bandwagon to issue our NFTs because after all the first priority of Skyrim Finance is to bring risk-adjusted returns to DeFi users.
However, NFT is definitely one of the directions we are going. It is very exciting to see the massive adoption of these new art forms.
Crypto is about trust. How do you make crypto communities trust you?
Johnny Lee：Good question. First and foremost, we do not ask people to blindly trust us.
I suggest everyone do due diligence and do research on our project to see if we are reliable.
Here are some things maybe you are interested:
We already had our demo video and prototype out a while ago. But due to the recent crypto/DeFi hacks, we decide to take a step back and review everything.We are audited by a blockchain security firm.We are backed by well-known crypto ventures.
We are here to stay.And we are ready to take the $SKYRIM token to the wider world. TGE is underway.
what we can do now is to focus on attracting builders towards our product and ecosystem, to build Skyrim-specific product and srvices for DeFi use cases, powered by the DeFi tools available right now to speed up the development.
I believe that is the best strategy to gain trust.
However, what we can do now is to focus on attracting builders towards our product and ecosystem, to build Skyrim-specific products/services for DeFi use cases, powered by the DeFi tools available right now to speed up the development.
I believe that is the best strategy to gain trust.
Who are your partners? and investors?
Johnny Lee：In May, we officially kicked off Skyrim Finance operation with a deep dive article on why we embarked on this journey and what value we can bring to this space.
Since that, we have been bestowed with so much support and love from crypto communities. And just a week later, we closed our $2.1 Million private round fundraising.
With a series of Bounty Programs and community events, we believe we have generated enough momentum to set $SKYRIM to the right orbit.
And we already partnered with Kylin Network, Thorstarter (our IDO partner), and already secured seven more partnerships, which will be rolled out after our TGE event.
Can you share with us the regulations of the token sale? Any KYC or whitelisting process needed?
Johnny Lee：Yes. We have planned a lot for this token launch.
Anyone interested might want to visit our twitter or telegram. Just to share a few announcements to get you guys up to speed.
Timeline of the $SKYRIM sale?
$SKYRIM IDO Round will open on August 31st, at 2 pm UTC on Thorstarter
$SKYRIM IEO Round will start on Sep 1st (UTC), from 4 AM to 10 AM on Gate.io
$SKYRIM Pool will open on September 1st, at 12 PM UTC on Zendit
Please stay tuned.
Please follow us for more updates including IDO instruction, IEO listing, etc.
$SKYRIM IDO Round将于8月31日下午2点UTC在Thorstarter开放
$SKYRIM IEO Round将于9月1日开始，从早上4点UTC到上午10点UTC在Gate.io
Thank you for your detailed and wonderful answers！Here comes the free QA session, we will choose some lucky questions for guest to reply.
Why did you choose to IEO at Gate ？
Johnny Lee：Well, we had great talk with them, and they offered us full support. We also talked with other project leaders who cooperated with them. Feedbacks were pretty good. We believe this is a solid partnership.
What do you think is the next hot spot of crypto finance?
Johnny Lee：NFTs are pretty promising if you strictly talk about hype. We see a lot of celebrities jump in this space. I cannot say I disagree with them. Skyrim Finance will be compatible with NFTs as well. It does represent valuable virtual assets that can work as collateral.
What should we do if we enter a bear market？
Johnny Lee：Good question. But the right question is ask what else we can do? The only thing we can do is to build, to attract more users, to constantly do marketing, to offer benefits to DeFi users. That is the only right way in my opinion. Sorry I cannot give you a magic answer.
Have only three chains been confirmed so far? Will they be transferred to ATOM and other chains in the future？
Johnny Lee：Yes. To run a project, you have to set priorities. Of course we are not ruling out any other public chains or ecosystems because we aim to be inclusive. Being multi-chain is part of our mission.
What has your project done to improve the user experience?
Johnny Lee：I wish my tech team could talk about what we did to enhance user experience. We already had our demo video and prototype out a while ago. But due to the recent crypto/DeFi hacks, we decide to take a step back and review everything. And we decided to improve on user experience too.
Thank Johnny Lee for joining our AMA and sharing so much valuable information with us. Thank you all for watching this AMA. EncryptClub will work harder and bring more wonderful content for you in future.