思考
Thinking.
我一直在琢磨一件事，币圈抵押借贷。
I've been thinking about one thing, a ring mortgage.
前一段从业经历告诉八婆，这件事在币圈大有可为。八婆也积极的去寻找过各种各样的合作伙伴，大家狭义的认为这件事可以做。
The previous period of professional experience tells me that this can work in currency circles.
直到有一天。
Until one day.
我放弃了，原因很多，容我慢慢道来。
I've given up for a lot of reasons, so I'll take my time.
今天先从产品逻辑上分析产品的可行性。
Today we begin with a logical analysis of the feasibility of the product.
币圈线下有很多抵押币换取现金流的做法，起源于担保交易的群。
Under the ring line, there are a lot of collateral money in exchange for cash flows, and originates from the group of secured transactions .
担保交易逻辑很简单，就是群主通过自己的信誉和实力，对交易双方做一个公证的作用，甲方打款，乙方打币，群主担保。
The logic of secured transactions is simple: the group master, through his own credibility and strength, has a notarized role vis-à-vis both parties to the transaction, the first party pays, the second party coins and the main group guarantees.
一旦出现问题，群主要出来赔偿，所以群主对每一次交易和每一个人都小心，因为这种交易往往伴随着大量的金额。
In the event of problems, the group primarily compensates, so the group is careful of each transaction and of everyone, since such transactions are often accompanied by large sums of money.
群主也会赚中间的一些费用，典型的操着卖白粉的心，赚着卖白菜的钱。
The group also earns some of the costs in the middle, typically the heart for the powder and the money for the cabbage.
币圈总有牛熊市，熊市的时候，很多人不舍得卖自己的币，又想着换取一定量的现金流，于是在这样的群里就衍生出来了抵押币借贷交易。
Many people don't want to sell their own coins at the time of the bear market and want to exchange a certain amount of cash flow.
所以这个产品就应运而生了。
So the product came into being.
这个产品分为三端：借款端，出借端（资金端）以及信息中介。
The product is divided into three ends: the borrowing end, the lending end (fund end) and the information broker.
借款端很好理解，人都是需要现金流的，但是由于梭哈过度或者某种原因身上只有币没有钱，他就有借款需求。
The borrower understands that a person needs a cash flow, but he has a borrowing need as a result of solo excess or, for some reason, lack of money on his own.
出借端（资金端）代表着愿意借钱给借款端的人。
Lenders (funding end) represent those who are willing to lend money to the borrower.
信息中介就是提供交易的信息的平台，并且提供中间钱包作为币抵押的媒介。
Information Broker is the platform for providing information on transactions and the medium for intermediate wallets as collateral for currency.
我们要做的就是信息中介，资金雄厚的公司也可以同时做资金端。
All we have to do is intermediate information, and well-funded companies can do both.
我在这里称这个信息中介叫做拍拍币，源于P2P圈内的拍拍贷。
I'm here to call this information broker "coupling" from the P2P circle.
好，接下来举个例子方便大家更清楚的认识这个产品。
Okay, here's an example of a better understanding of this product.
路人甲在2018年年初一万刀的时候买入了10个BTC，到了2万刀的时候没有卖，碰见一路腰斩，到了7千刀。
The roadman bought 10 BTCs at 10,000 knives at the beginning of 2018, but did not sell them at 20,000, when he ran across the way to 7,000.
这个时候由于某些原因，身上有个20万人民币的缺口，这个时候，他就在拍拍币上发出借款需求，抵押10个BTC去借20万，周期为30天，按天计息，每天千分之一，拍拍币收取服务费百分之一。
At a time when, for some reason, there was a gap of 200,000 yuan, at which time he issued a demand for borrowing on a currency auction, mortgaged 10 BTCs to borrow 200,000 dollars for a 30-day cycle, counting interest at one per 1,000 per day, and charged one per cent of the service fee for .
这样路人甲的总共费用为1%+1‰*30=4%
The total cost of is 1 per cent + 1 per 1,000 * 30 = 4 per cent
也就是共计8000人民币的手续费。折合年化48%。
This is the fee for a total of RMB 8,000. folds 48% .
这件事可以做的很大，
This thing can do a lot, .
也可以做的很小。
can do very little.
先说小的，公司有多少钱就做多少单，利滚利。
Let's start with the small ones, the company will do as much money as it can, and it'll make a lot of money.
大的话，公司完全就是一个信息中介，提供中介服务，只收取1%的手续费，但是，但是你知道外界有理财需求的用户是无穷之大的。
Largely, the company is simply an information broker, providing intermediary services, with a charge of only 1 per cent of the processing fee, but you know that the users of the outsider's financial needs are numerous.
近两个月P2P炸了一百来家两百家，按照每一个P2P平台平均5亿待收来算，这就是千亿的盘子。
In the last two months, the P2P has blown up 100 families and 200 families, and
把整个模式做成个人对个人，没有任何风险。
There is no risk of turning the whole model into an individual to an individual.
很美好，很优雅是吧？
It's beautiful. It's elegant, isn't it?
那么总会有问题的，所有的事情都不会是想象中那么美好的。
There's always a problem, and everything can't be as good as it looks.
?
1.如果大交易所做这件事，你还有机会么？
If the big deal does this, do you still have a chance?
坦率的说，没有。
Frankly, no.
但是大交易所自己暂时不会去做这件事，因为利润和前途还是未知数，他们可能去孵化一些项目，然后自己提供流量入口。
But the big exchange will not do it itself for the time being, because profits and futures are still unknown, and they may incubate some projects and then provide their own access to the flow.
2.真的会有那么多用户么？
2. Do you really have so many users?
不敢说这个用户的需求有多大，但是不会太小。
I don't know how much this user needs, but it's not too small.
熊市需要现金流过日子，牛市能提供杠杆。
Bears need cash to survive, and cattle can provide leverage.
3.怎么把控放款成数？
3. How do you quantify the price?
对，模式很不错，BTC可以做5成，根据不同用户可以做到7成。
Yeah, it's a good model. The BTC can do 50% and the different users can do 70%.
ETH这一类可以做4成，根据不同用户可以做到6成。
The ETH category can be 40 per cent and 60 per cent depending on the user.
前期以这两类为主。
The preceding period was dominated by these two categories.
发展到一定阶段，可以做任何币，大概可以做到2-3成，根据不同用户可以做到3-4成。
At a certain stage, it can be made in any currency, roughly 2-3 per cent and 3-4 per cent depending on the user.
4.怎样处理逾期和坏账？
4. How to deal with overdue and bad debts?
预警线和平仓线。
Early warning line and silo line.
预警线需要交保证金，平仓线直接平仓。
The early warning line requires a bond and the silo line is cleared directly.
最理想的状况是整个闭环的用户已经成熟，一旦出现逾期或者违约或者较大价格波动，信息中介将抵押的币给出借方。这样的话，中间方没有任何责任，所有要做的事回归到最开始就是提供信息中介服务和存币服务，但是这个过程很难。
Ideally, the user of the entire closed circle is mature, and in the event of default or large price fluctuations, the information broker gives the mortgaged currency to the borrower. In that case, the middle party has no responsibility, and all that has to be done is back to the information broker and currency deposit service, but this process is difficult.
5.该项目是否要发币？
5. Is the project going to be tendered?
可发也可不发，发币的话，token是很好对这个平台价值进行赋能的，也很好对用户进行利益捆绑的。
Token is a good enabler of the platform's value and a good asset-tied user.
不发币的话，也完全可以做。
If you don't pay, you can do it.
6.是否会有新的玩法？
6. Is there a new game?
当然，今天不说，有人想做这一块可以单独找我交流。
Of course, not today, there are people who want to do this piece to talk to me alone.
后话
after
技术风险，信息中介也需要冷热钱包，安全问题是核心问题，而且没法回滚。
Technological risks , as well as cold and hot wallets for information intermediaries, security issues are at the heart of the problem and cannot be rolled back.
政策风险，这个一定会有，无论是打击这个平台模式，还是打击币交易导致币价腰斩再腰斩，参考当年股票配资平台。
Policy risks must include, for example, combating this platform model or currency transactions leading to the re-drawn of currency prices, taking into account the stock allocation platform of the year.
道德风险，这样的中间方可以毫无障碍的卷钱跑路。
Moral hazard , so that an intermediate can run free of obstacles.
当然，我也很希望能有一些靠谱的这样的产品出现，这才是服务这个行业的好产品。
Of course, I'd love to have some of these products, which are good for the industry.
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If there are pickles that want to enter the community, you can add a personal micro-letter below, contact the Queen, and note "Intruding".
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