亲爱的Jocelyn Chang，由于最近的漏洞事件反映出项目方很久没去检查技术问题了，未来想怎样加强安全这个问题？让用户使用的更加安全放心！
Dear Jocelyn Chang, as the recent vulnerability incident reflects that the project side has not checked the technical problems for a long time, how do you want to strengthen the security of this problem in the future? Let users use more safe and secure!
DAI和xDai的关系很多人都没弄清楚。Dao Maker和Maker Dao是不同的项目，但很容易让人混淆，MKR还没有发展到深入人心的地步，将来是否有考虑加强市场的宣传或者多举办一些线上活动？
The relationship between DAI and xDai is not clear to many people, Dao Maker and Maker Dao are different projects, but it is easy to confuse people, MKR has not yet developed to the point of deepening people’s hearts, whether there is consideration to strengthen the promotion of the Chinese market or hold more online activities in the future？
钱包地址：0x3dd60d3495e3246cb1333c52329ec7c1e7c63850
markerdAO 关于“ 现实世界资产支持的defi”的尝试，似乎还是较为陌生的概念，那这又有着怎样的意义呢？为什么需要现实世界资产支持的defi呢?您能简单描述一下吗?
markerdAO’s attempt at a “real-world asset-backed defi” seems to be a relatively new concept, so what does it mean? Why do we need real-world asset-backed defi? Can you briefly describe it?
钱包地址:
0x1a1c375423860d25e75dad0e01a4708e4776c54f
MakerDao在2021年实现了爆炸式发展，DAI的总供应量已超过50亿美元，但是有些问题仍然需要解决。
MakerDao has seen explosive growth in 2021, with total DAI supply exceeding $5 billion, but some issues still need to be addressed.
1、由于MKR持有人负责在清算不能完全收回DAI的情况下对协议进行资本重组，所以MKR持有人正在承担一定程度的信贷风险。然而Maker的盈余缓冲区与顶级抵押品价值之间有很大差距，这是否是一个隐患？
1、Since MKR holders are responsible for recapitalizing the agreement in the event that liquidation does not fully recover the DAI, MKR holders are assuming a degree of credit risk. Yet there is a large gap between Maker’s surplus buffer and the value of top-tier collateral, and whether this is a hidden danger？
2、由于MKR持有人在社区治理活动中参与率低，使MKR普通持有人面临潜在的治理攻击风险，是否有必要改进和简化治理过程？
2、Is there a need to improve and streamline the governance process due to the low participation of MKR holders in community governance activities, which exposes MKR general holders to the risk of potential governance attacks?
钱包地址：0xA22B5936F19459c8ecb1EB894282D4Cf61e81273
关于MakerDAO的治理，治理如何工作以及谁可以参与？MKR如何参与对 Maker协议进行注资？
Regarding the governance of MakerDAO, how does governance work and who can participate, and how does MKR participate in making capital injections into the Maker Agreement?
钱包地址:
0xefd71494674ee73bfa223041f9d74585c57a1da1
在以前当makerdao引入usdc作为抵押产品的时候，只是为了缓解dai债务的流动性危机以防止黑天鹅类似事件再度发生而导致协议暂时性的崩溃。难道是dai已经不能在目前的makerdao设计机制和框架上满足不了需求了吗? dai满足不了流动性，是什么原因呢?
In the past when makerdao introduced usdc as a collateral product, it was only to alleviate the liquidity crisis of dai debt to prevent a temporary collapse of the agreement due to the recurrence of a black swan-like event. Could it be that dai is no longer able to meet the demand in the current makerdao design mechanism and framework? What is the reason why dai can’t meet the liquidity?
钱包地址:
0x0FFeee1F32561FeFC7E00E0cDB9022c146Bd399E
Our AMA begin now. welcome Jocelyn to our events!
DAI和USDC的依赖关系带来的监管和黑名单风险，MakerDAO有什么解决方案。如何解决MKR 的持有者可能面临的与治理相关的风险？
What solutions does MakerDAO have to the regulatory and blacklisting risks posed by the DAI and USDC dependencies. How does DAO solve the governance-related risks that holders of MKR may face?
钱包地址：0x78cE72598A88bCC2812635CEDC2B8a473757Af5F
Hello ImToken and Tokenlon users, thanks for joining the AMA session. I am the Asia Pacific Growth lead from MakerDAO. I joined MakerDAO foundation 3 years ago as a Community Lead and after the foundation dissolves, I am part of the Growth Core Unit managing growth and partner’s relationships in APAC and Middle East. If you are on twitter, you can follow us on @Makergrowth for latest protocol updates and announcement. And for partners who are interested to integrate DAI, you can email me at [email protected]. Looking forward to start the AMA now!
Yes, we are bridging DAI to different layer 2 networks, eg. Optimism and Arbitrum. And yes, we do have a plan to have DAI on other major chains. For more information on our multichain strategy, you can check out this forum post: A Multichain Strategy and Roadmap for Maker - Governance - The Maker Forum
Good question! We just issued our first real estate backed loans 2 months ago in the US and we are in the midst of onboarding more real world assets such as trade receivables/invoices, cargo and freight forwarding invoices and revenue based financing type of assets. The idea is to have 10% of the collaterals in the system to be made up of Real world assets.
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Another good question! MakerDAO was built to be a DAO from the onset and the foundation has been working to dissolve and transfer the ownership to the community from the start. We started winding down the foundation because we start to have an active MakerDAO community interacting on the forum and that the governance process are becoming more streamlined and efficient. And now that we are a DAO, we rely on community’s crowd wisdom to make a lot of our decisions and it has been great for decentralised governance. Of course there is still room for improvement and DAO will evolve as time goes by and I can’t wait to see the final product of a DAO.
DAI is completely decentralised, censorship resistant and cannot be blocked or frozen. It is also the first decentralised stablecoin backed by crypto assets and real world assets.
提问：
最近有没有什么计划提高大家对dai的使用度。Do you have any plans to improve the use of dai recently
钱包地址:0x9FE425295CfE794047023F4cf6b3B1439F974C99
The community is discussing about the possibility of having NFT as collateral in the system. You can follow the discussion here: [Discussion] NFT Vaults - Governance - The Maker Forum
Dai is not a hard-pegged currency, so it does not perfectly track the value of an existing fiat currency. Rather, it maintains a free-floating peg that experiences extremely low volatility against the US dollar.
It achieves this stability through a combination of external market forces, complementary internal economic incentives, and policy tools controlled by MKR token holders. Many different market actors behaving in their own self-interest, yet working in concert, contribute to its stability. These actors include MKR holders, arbitrageurs, Vault owners, Keepers, and market makers.
If Dai demand consistently exceeds Dai supply, or vice-versa, it creates a signal that MKR holders need to adjust the Dai Savings Rate, which is the primary tool for influencing Dai demand and steering the monetary policy of Dai. Raising the Dai Savings Rate increases the demand for holding Dai; lowering the rate decreases the demand for holding Dai. This ultimately translates to a stable Dai peg.
Stability Fees for various Vault types are another policy tool that can be used to help Dai stability but are primarily used for covering the risk premium of different Vault types. Decreases in a Stability Fee, reflecting the cost of borrowing, can incentivize the additional creation of Dai. Similarly, increasing Stability Fees can reduce the rate of Dai generation.
Arbitrageurs also contribute to the short term stability of the peg by taking advantage of price differences across various Dai markets.
Vault owners are able to participate in maintaining the peg by taking advantage of opportunities when spikes in demand push the Dai price higher than $1. This allows a Vault owner to issue Dai that can be used to purchase assets with an additional variable amount of purchasing power. Inversely, when Dai is trading below a dollar, Vault owners are incentivized to purchase Dai and pay down their Dai balances at a discount.
For more information here: https://makerdao.world/en/faqs/dai
- To ensure the protocol’s security, we do run bug bounty programs and conduct security audit regularly.
- After the market crash in March 2020, we have developed a peg stabilisation module allowing users to swap a given collateral type directly for DAI at a fixed rate, rather than borrowing DAI. The PSM contract was designed with stablecoin collateral in mind, allowing users to swap other stablecoins for DAI at a fixed rate to aid with keeping DAI pegged to 1 dollar. And the idea is that users can use those DAI to pay down their debt and stability fees to prevent liquidation.
We already have our own decentralised exchange: oasis.app
The community is also considering add NFTs as collaterals in the system.
There are not a lot of collateral-backed stablecoins in the space. I would foresee more fiat backed stablecoins popping up in different countries,
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DAI will remain to be decentralised and permissionless, funds will not be frozen or blocked by the protocol. And we will remain to be the only decentralised lending protocol where users can generate loans against their own assets (both tokenised real world assets and crypto assets).
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DAI is not backed by fiat. DAI is backed by over-collateralised assets. As of today, there is 6 billion DAI in total circulation and they are backed by 11 billion worth of collaterals in the system. You can check out Dai Stats The data is transparent because all the transactions are recorded on the blockchain.
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