MELD

MELD

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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.
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关于 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 球队

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注意。未经证实的成员实际上可能不是团队成员

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

MELD 最新消息

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