I-Tokenization ilungisa kanjani kabusha ukutshalwa kwezimali kwesikhungo

Kule ngxoxo ekhanyayo evela ochungechungeni lwethu 'lwe-Behind the Startup', sihlala phansi no-Cloris Chen, umholi onombono we-Cogito Finance. Njengoba inesizinda esicebile esihlanganisa kokubili amabhange endabuko kwa-HSBC kanye nomhlaba ophambili wezezimali ezihlukaniselwe amazwe, i-Chen inikeza imininingwane eyingqayizivele ngekusasa lezezimali.

Njengoba i-Cogito Finance isungula amathokheni ezimpahla zomhlaba wangempela futhi isebenzisana nezinkundla eziqhutshwa yi-AI ezifana ne-SingularityDAO, u-Chen wabelana ngombono wakhe wokuthi lezi zindlela ezintsha zisethwe kanjani ukuze kulungiswe kabusha ukutshalwa kwezimali kwezikhungo futhi kuvalwe igebe phakathi kwezezimali zendabuko kanye nezokuhlukaniswa.

U-Ishan Pandey: Sawubona uCloris Chen, kuyintokozo ukukwamukela ochungechungeni lwethu lwe-'Behind the Startup'. Ingemuva lakho lihlanganisa kokubili ezezimali zendabuko kanye ne-DeFi. Sicela usitshele ngohambo lwakho nokuthi ulwazi lwakho e-HSBC kanye njengomqondisi womgcinimafa lube nomthelela kanjani endleleni yakho yokuhola i-Cogito Finance?

UCloris Chen: Ngiyabonga ngokuba nami, Ishan! Okuhlangenwe nakho kwami kwezamabhange ezinkampani, kanye nezindawo zokuthintana zami siqu nge-crypto, kunginikeze ukuqonda okuyingqayizivele kuwo womabili amazwe - ukuthi izikhungo zezimali ezinkulu ziqhuba kanjani amabhizinisi azo, ukuthi zibhekana kanjani ne-blockchain, ukutshalwa kwezimali, kanye nemithethonqubo, futhi uyiqhathanise ne-wild-west. I-Web3 igcwele ama-degens lapho kubusa khona izinhlamvu zemali ze-meme. Futhi ukukhuluma iqiniso, kuyathakazelisa ngoba eminyakeni edlule sonke sasicabanga ukuthi le mihlaba ngeke ihlangane. Manje, esikwenzayo e-Cogito yilokho kanye: ukuhlanganisa imigqa ye-TradFi ne-DeFi. Leli ikusasa lakho kokubili izimakethe ze-crypto nezendabuko. Ukwenza amathokheni kuyikusasa.

I-Ishan Pandey: Ukwenza amathokheni kusenhliziyweni yeminikelo ka-Cogito. Ukubona kanjani ukwenza amathokheni kwezimpahla ezinemali engenayo engaguquki kanye namasheya kubunjwa kabusha imikhiqizo yokutshalwa kwezimali yesikhungo?

U-Cloris Chen: Ukuze uqonde ukubaluleka kwempahla yamathokheni, kufanele uyibheke nhlangothi zombili. Ngakolunye uhlangothi, kubatshalizimali bendabuko, kunodaba lokufinyeleleka ezimakethe zezimali ezifundeni ezithile, futhi asigcini nje ngokwenza lula leyo nqubo, kodwa senza ukutshalwa kwezimali kwenzeke. Ngakolunye uhlangothi, unezinkampani ze-crypto ezinengcebo ye-onchain ezidonsa kanzima ukutshala imali yazo eqinile ezimpahleni zendabuko ngenxa yezithiyo eziningi. Izimpahla zemali engenayo engashintshi zibaluleke kakhulu kulezi zinkampani ngoba zisiza ukubiyela izingozi zokuchayeka ngokweqile kwe-crypto nemijikelezo yayo. Ngokwenza amathokheni amathuluzi ezezimali, siwenza abe sobala, adluliseke, ahleleke, futhi ahlanganiseke - izici eziqalwa kabusha ngokombono wendlela imakethe yamanje esebenza ngayo.

** I-Ishan Pandey: Ukuhlanganiswa kwe-Cogito Finance ne-SingularityDAO eqhutshwa yi-AI eqhutshwa yi-DynaVaults kuzothuthukisa kanjani ukufinyelela kuma-RWA amathokheni kubasebenzisi be-DeFi, futhi yini eyenza lokhu kubambisana kuhluke?
**

U-Cloris Chen: Ukuhlanganisa ama-RWA amathokheni kuyisinyathelo esibaluleke ngempela hhayi nje se-DynaVaults kodwa ne-DeFi iyonke. Izimakethe ze-Crypto nezivamile zidinga ukusebenzisana ukuze kulawuleke ubungozi, kuthuthukiswe ukubuyisela, futhi kuthuthukise ukusebenza kwama-vault ahlukahlukene. Ukuhlanganiswa kwethu kuhlukile ngoba singena ekuphathweni kwephothifoliyo eqhutshwa yi-AI - into enenjongo ngempela emhlabeni wanamuhla ngendlela i-AI evele inendima enkulu ngayo kwezezimali. Futhi kufanele sihlale ngaphambi kwejika.

I-Ishan Pandey: Njengoba amathokheni e-RWA ahlonishwa njengomunye wemikhakha ekhula ngokushesha ye-DeFi, yiziphi izinselele ozibonayo ekulinganiseni le mikhiqizo, ikakhulukazi mayelana nokuthobela imithetho kanye nokwandisa ukutholwa kwemakethe?

U-Cloris Chen: Izimpahla eziningi ezinamathokheni zihlukaniswa njengezibambiso, ngakho izinkampani zidinga ukulandela i-KYC nezinqubo zokubhalisa ukuze zihlale zithobelana. Yize lokho kuwumkhuba ojwayelekile kubatshalizimali bendabuko, kuyindawo engaziwa kubatshalizimali abaningi be-onchain abangajwayele amathokheni avunyelwe. Ngaleso sizathu sibeka phambili ukuqwashisa ngemikhiqizo kanye nemfundo. Ukuthobela imithetho ezindaweni eziningi kuyinto esiyithatha njengento ebaluleke kakhulu ngoba lokhu kusivumela ukuthi sibhekelele izimakethe ezahlukahlukene.

I-Ishan Pandey: Ubambiswano ne-SingularityDAO luzoba nomthelela kanjani ekwamukelweni kokuphathwa kwephothifoliyo eqhutshwa yi-AI kanye namathokheni e-RWA kukho kokubili i-TradFi ne-DeFi?

UCloris Chen: Akunakugwema ukuthi i-Artificial Intelligence kanye namathokheni kuzokhula kakhulu eminyakeni ezayo. Ukuhlanganisa kokubili izimpahla zendabuko kanye ne-crypto ezimotweni zokutshala izimali kanye nokusebenzisa amasu e-AI ukuze uzilawule yindlela ezezimali okufanele ihambisane ngayo, isungule, futhi ivikeleke. Lawa manani akhona kuwo wonke ama-TradFi ne-DeFi.

U-Ishan Pandey: Okokugcina, ngicela uchaze kabanzi ngokuthi i-AI ingawadalula kanjani amathrendi emakethe afihlekile lokho ukuhlaziya okuvamile kwezimali okungase kunganakwa? Ngokusho kwakho, iyiphi into enkulu elandelayo ku-AI ne-blockchain?

U-Cloris Chen : Amamodeli e-AI asebenza kuphela njengedatha aqeqeshwe ngayo. Ezimakethe ezivamile, siyakwazi ukungena kwisethi yedatha ewumlando futhi sifinyelele iziphetho. Nakuba i-AI ingase ingabikezeli izenzakalo ze-Black Swan, ingalindela izimo ezihlukahlukene ngokusekelwe kokubili ukuhlaziywa okuyisisekelo nobuchwepheshe, okuvame ukwethembeka kakhulu ezimakethe zendabuko kune-crypto, lapho imizwa idlala indima enkulu.

Ngokuqondene nokuthi yini elandelayo, ngikholelwa ukuthi umnotho we-AI wamathokheni uzoba mkhulu—udala izimakethe ezintsha ngaphakathi komkhakha okhula kakhulu.

Ungakhohlwa ukuthanda nokwabelana ngendaba!