MELD

MELD

Created using Figma
MELD is a full-suite non-custodial DeFi banking protocol that allows users to securely lend and borrow crypto and fiat currencies and earn yield—all while maintaining custody of crypto assets.Taking the interaction between crypto and traditional currencies to the next level by bringing the most innovative parts of DeFi like smart contracts and leverage and using them to provide access to much-needed finance tools and instant liquidity. MELD hopes to be able to empower financial independence in the DeFi ecosystem by developing self-sovereign, inclusive financial tools.
Les données ne sont pas disponibles
To be announced
Détails du jeton
Téléscripteur
MELD
Détails supplémentaires
Les catégories
Plate-forme

Sur MELD

MELD is a decentralized and trustless lending protocol initially built on the Cardano Blockchain using smart contracts and governed by the MELD token. It provides a fast, safe, and transparent set of tools for anyone to lend and borrow crypto and fiat currencies.

MELD lends fiat currency provided by fiat lenders to borrowers that collateralize their cryptocurrency in a MELD Smart Contract. The lender receives an interest rate from secure investments, whilst the borrower can maintain their crypto positions and see them grow, which has had an average annual rate of 32% (BTC IS 196%) CAGR. We stake the collateral in community-managed liquidity pools for our revenue which is divided 50% to MELD and 50% to MELD token holders

1. Fiat Liquidity Lending
Fiat liquidity providers lend fiat to the MELD protocol, through the MELDapp, to earn high-interest yields. The yields for lending fiat on MELD are sourced from various places, including interest paid from the borrower, trading fees APY from the liquidity pools of MELDed assets and protocol rewards.

2. Crypto Collateral
For a borrower to gain access to fiat loans, the borrower must deposit cryptocurrency (ADA, BTC, ETH, or BNB) to the MELD loan Smart Contract. Once deposited and locked into the Smart Contract, the borrower will be able to take up to 50% of the value held within the cryptocurrency through a crypto-backed loan or a line of credit.

3. Fiat Borrowing
MELD will offer two fiat borrowing services, crypto-backed loans, and a line of credit. From a collateral perspective, both services function similarly. A borrower will have to deposit 2x the desired fiat in cryptocurrency to utilize either service. Borrowers receive fiat currency via wire transfer directly into their account for crypto-backed loans or gain access to a line of credit utilized by the MELD Debit Card, after depositing their crypto.

4. MELD Vaults (Liquidity Pools)
The liquidity pools run by the MELD protocol are single-sided MELD/Token pools. When a user makes a crypto deposit, the deposit is locked to a smart contract and placed into the respective MELD/Token pool. The benefit of this is that the deposited crypto can be exposed to trading fees APY from external DEX aggregators/routers. The MELD protocol has integrated impermanent loss protection for crypto depositors.

5. The MELD Token
The MELD token provides a few utility functions for the holder. First, MELD issued to pay for some transactions on the protocol. Second, you can stake MELD and earn 4% APY rewards. The MELD staking pool acts as an insurance solution for protocol. The staking pool protects against problems that might arise in the protocol and against impermanent loss in the MELD liquidity pools. The APY for the staking comes from 50% of all protocol fees, such as MELDed assets and trading fees.

6. Loan Repayment
MELD offers crypto-backed loans and a line of credit to crypto depositors. Borrowers of fiat through these instruments pay back the principle & interests monthly until paid off.

7. Crypto Collateral Returned
The crypto collateral is unlocked and withdrawn from the respective liquidity pool to the user’s wallet, and the smart contract is completed upon loan repayment.

8. Fiat Liquidity Returned
At any time, fiat liquidity providers can withdraw their money. If a crypto-backed fiat loan position suffers a liquidation event, then the underlying crypto asset is sold and transferred to fiat to ensure the fiat lender doesn’t suffer any losses.

% name% roadmap

  • 2021

  • Q2
    MELD Launch
    Initial Stake Pool Offering Launch
    Token Private Sale
    Launch of Marketing Initiatives
    Partner Program Launch

    Q3
    MELD Ambassador Program
    Liquidation System
    Complete the first PoC for lending & borrowing
    UTXO research on economics models & concurrency
    Formalize MELD protocol

    Q4
    MELD Protocol Audit
    MELDapp Audit
    Initial Stake Pool Offering Close
  • 2022

  • Q1
    MELD Token Launch
    MELD ISPO Airdrop
    MELD Vesting & Locked Staking
    MELDapp 1.0
    MELD on Exchanges (BiTrue, FMFW, Cardano DEXes like MuesliSwap, SundaeSwap, MinSwap, and more)

    Q2
    Akamon white papers
    Akamon Alpha Testnet
    MELDapp 2.0 with Akamon integration

    Q3
    Akamon Beta Testnet

    Q4
    Bank Managers 3D Artwork
    Cardano: Lending & Borrowing Protocol Smart Contracts
    MELD Shop
    MELD Finance Entity Established
    Tier-1 Exchange Listing (MEXC)
  • 2023

  • Q1
    MELDapp Testnet Launch
    Cardano: Lending & Borrowing Protocol Testnet Launch
    MELD Network: Avalanche Subnet Testnet
    MELD Finance Legal & Tech Stack

    Q2
    MELD Network: Avalanche Subnet Mainnet Launch
    MELD Cardano Token Migration
    $MELD Token on Ethereum & Avalanche
    MELD Multisig Cardano Wallet Technology Stack
    Bank Managers Minting & Launch
    MELDapp Beta Desktop Mainnet Launch
    Protocol Audits (Token, Multisig, DAO)
    MELD DAO Development

    Q3
    MELD DAO Mainnet
    MELD Finance Launch*
    MELDapp Beta Mobile Launch
    MELDapp BSC & Polygon & Moonbeam blockchain integration
    MELDapp Wallet Connect Integration
    MELDapp Staking v2
    Bridging $MELD across 4 blockchains (Cardano, Ethereum, Avalanche, MELD)

    Q4
    MELD Finance Debit Cards*
    MELD Finance On/Offramping*
    MELD Borrowing & Lending Testnet
    MELDapp BTC support

MELD Équipe

Vérifié 0%

Attention. Il y a un risque que les membres non vérifiés ne soient pas réellement membres de l'équipe

Duc Nguyen Anh
Project Manager
non vérifié
Dai Truong Ngoc
Senior Blockchain Engineer
non vérifié
Thanh Vuong Hai
Blockchain Engineer
non vérifié
Lawrence Ong
Special Projects
non vérifié
Patrizia Peitler
Executive Assistant
non vérifié
Dat Duong Thanh
Senior Blockchain Engineer
non vérifié
Karlo Novak
Senior Back-End Engineer
non vérifié
Tuan Tran Quoc
Chief Economist
non vérifié
Ivo Kosir
Senior Software Engineer
non vérifié
Sasha Bogicevic
Senior Blockchain Engineer
non vérifié
Matthew Nash
Governance & Community
non vérifié
Tam Nguyen Hung
Quantitative Researcher
non vérifié
Ken Olling
Chairman
non vérifié
Hai Nguyen Quang
CEO
non vérifié
Heval Yucedag
Marketing Analyst
non vérifié
Lise Wessel
СMO
non vérifié
Thomas Tallis
CCO
non vérifié
Nicholas Collinson
CPO
non vérifié
Stuart Hollinger
Social Media Übermensch
non vérifié
Thuy Vu Thi Thuy
Blockchain Engineer
non vérifié
Dong Nguyen Thi Phuo...
Blockchain Engineer
non vérifié
An Le Mai
Blockchain Engineer
non vérifié
Matej Bilić
Senior Graphic Designer
non vérifié
Marin Pranjic
Technical Lead
non vérifié
Trung Tran Kien
Quantitative Researcher
non vérifié

MELD Dernières nouvelles

  • En raison des différences temporelles dans les mises à jour des informations, des informations précises sur chaque projet ICO doivent être vérifiées sur son site web officiel ou via un autre canal de communication.
  • Cette information n'est pas une suggestion ou un conseil pour investir dans un financement ICO. Veuillez examiner vous-même les informations pertinentes et décider de la participation de l’OIC.
  • Si vous pensez que des problèmes ou des problèmes doivent être résolus concernant ce contenu, ou si vous souhaitez soumettre votre propre projet ICO pour figurer dans la liste, veuillez nous envoyer un courrier électronique.
Veuillez lire la clause de non-responsabilité et l'avertissement de risque. Afficher l'avertissement et l'avertissement de risque.