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AMA全实录 | Verso CEO Gregor直播分享会“Verso，改变规则的玩家”
Verso AMA 第2期
话题 | Verso，改变规则的玩家
深度剖析震荡行情下 Verso 的破局之路
访谈嘉宾 | Verso CEO Gregor Arn
主持人 | Verso 中国社群志愿者 海洋
直播翻译 | Misha
2021年5月26日北京时间晚上19:00，Verso CEO Gregor Arn，神秘空降Verso官方中国社群，为大家带来一场主题为“Verso改变规则的玩家，深度剖析震荡行情下Verso的破局之路”的精彩直播分享会。
直播中社群群友提出了很多问题，CEO Gregor Arn 非常耐心，一一给大家做出了解答，以下就是直播的纯文字版，欢迎大家阅读学习：
主持人海洋：大家晚上好，我是Verso中文社群志愿者海洋，很高兴跟Verso中文官方社群的小伙伴们一起在群内互动，今天直播的主题是“Verso，改变规则的玩家，深度剖析震荡行情下Verso的破局之路”。我们很荣幸的邀请到了一位重量级嘉宾 — Verso CEO Gregor Arn来跟大家一起探讨今天的主题！在我们提问之前，请Gregor Arn向Verso中国社区简要介绍一下自己，并分享一下创立Verso的背景？Before we dive into thequestions, can you briefly introduce yourself to the Chinese Verso community, and share some background on your journey to found Verso?Verso CEO Gregor Arn：I have been an evangelist for inclusive financial services for many years, specifically in emerging markets. I launched the first social payments app in the Philippines in 2015-16 and we struggled to scale the product due to the lack of small-value cross-border payment rails. I then went on to build it with a team of payments experts and we started Wallet Engine, which today is a bank-like financial institution providing in-app wallets and user-to-user payment capabilities for apps with a cross-border user base.我多年来一直是普惠金融服务的支持者，尤其是在新兴市场。2015-16年，我在菲律宾推出了第一个社交支付应用，由于缺乏小额度的跨境支付通道，我们在扩大产品规模上遇到了困难。后来我又和一个支付专家团队一起创办了Wallet Engine，如今它是一个类似银行的金融机构，为拥有跨境用户群的应用提供应用内钱包和点对点的支付功能。主持人海洋：好的，感谢Gregor的介绍，那么请问建立Verso的想法是如何产生，又如何开始的？Tell us how this launch idea came up with Verso, How did all begin?Verso CEO Gregor Arn：As we were talking to customers of Wallet Engine and their users, mostly in emerging markets, we realised that embedded stored value is just the beginning. It is the foundation for so many more financial products that matter in the daily lives of people. This is particularly the case for micro finance, such as a short-term loan of $50 or a 5-day travel insurance while taking a journey to visit family.当我们与钱包引擎的客户以及客户的用户（大多在新兴市场）交谈时，我们意识到，嵌入式储值只是起点。它是更多金融产品的基础，这些产品对人们的日常生活中都很重要。小额信贷尤其如此，如50美元的短期贷款，或者探亲旅行的5天旅行保险。We were approached by insurance companies who wanted to plug into Wallet Engine todistribute their micro-insurance products, but it quickly became obvious thatthe potential is much bigger, especially given the new products coming out ofDeFi too. At the end of the day, there are billions of people who have a needfor microfinance but for most of them, these products are not accessible due tothe unit economics and complexity.保险公司曾与我们接触，他们希望接入钱包引擎来销售他们的小额保险产品，很快就发现潜力巨大，尤其是DeFi也不断有新产品问世。如今数十亿人对小额信贷有需求，但对他们中的大多数人来说，由于经济上的隔离，他们无法获得许多需要的产品。We envision Verso being an industry standard to distribute microfinance productsin a scalable manner by connecting locally regulated e-wallets and banks withfinancial service providers, such as insurance companies, lenders, DeFiproviders, etc. The ultimate goal is to enable users to conveniently access theproducts they need through their existing app experience.我们设想的是Verso能成为行业标准，将当地受监管的电子钱包、银行与金融服务提供商（如保险公司、贷款人、DeFi提供商等）连接起来，以可扩展的方式分发小额信贷产品。最终目标是使用户能够通过他们熟悉的应用便捷地获得他们需要的产品。主持人海洋：这确实是刚需，那么请问Verso Launchpad首先选择在Avalanche区块链上线，这是为什么呢？The launch of the Verso Launchpad is the first to take place on the Avalanche blockchain, what has it meant for you?Verso CEO Gregor Arn：We started to look at Avalanche as we needed a blockchain solution capable of high volume - low value processing. The high gas fees on Ethereum make the usage of DeFi for small amounts unrealistic. You cannot have a micro loan of 50 USD and pay 70 USD in gas fees for that. Avalanche was a perfect alternative and as we started looking further into it, we realised the impressive growth of the Avalanche ecosystem and the active community. This turned out to be a tremendous value add and the support we have received from the Avalanche team as well as from TrustSwap is invaluable for a startup with a big vision.我们开始关注Avalanche（雪崩），因为我们需要一个能够进行大批量、低成本处理的区块链解决方案。以太坊上的高额Gas费使DeFi用于小额贷款不切实际。你不可能为了50美元的小额贷款支付70美元的Gas费。Avalanche是一个完美的选择，当我们开始进一步研究它时，我们发现了Avalanche生态系统迅猛的增长、活跃的社区。其中蕴含着巨大的附加值，我们从Avalanche团队和TrustSwap得到的支持，对于一个有远大理想的创业公司来说是非常宝贵的。主持人海洋：原来是这样， "Verso生态系统作为市场层，一头是提供CeFi和DeFi产品的持牌金融机构，另一头是使用数字钱包、数字银行的消费者"。这就像CeFi和DeFi之间的一座神奇的桥梁，可以这样比喻吗？“The Verso ecosystem serves as a market layerconnecting licensed financial institutions offering regulated financialproducts (CeFi), decentralised financial products (DeFi), and consumers whointeract with digital wallets or digital banks”. It is just like a marvelous bridge between CeFi and DeFi, can we pitch it like that?Verso CEO Gregor Arn：Today, there are over 3,000 regulated e-wallets around the world and billions of people are used to these e-wallets and trust them already. In that sense, Verso is the “marvelous bridge” and helps to distribute financial products directly to these existing wallets and their users.今天全世界有超过3000个受监管的电子钱包，数十亿人已经习惯了这些电子钱包并信任它们。在这个意义上，Verso是"神奇的桥梁"，直接向这些钱包的用户分发金融产品。主持人海洋：看起来Verso雄心勃勃，能谈谈你2021年的规划吗？That sounds really ambitious, can you talk aboutyour 2021 roadmap?Verso CEO Gregor Arn：We expect to have the first live product being distributed through a regulated e-wallet by the end of 2021. All the partnerships for this are in place and the development roadmaps are currently being fine tuned.我们希望在2021年年底之前，通过电子钱包分发第一个实时产品。所有相关合作关系都已到位，目前正在对开发路线图进行微调。主持人海洋：在国内很多用户Avalanche不那么精通，那么对Avalanche不那么精通的Gate.io用户可以从Verso得到什么？What can Gate.io users who are not that deep on Avalanche could expect from Verso?Verso CEO Gregor Arn：For users on Gate.io, Verso is interesting as it is a new project on Avalanche with tremendous visibility and room to grow. It’s a great learning opportunity as well, because during times of scalability issues on other chains Avalanche and Verso have no issues with their token transactions (on both gate.io and Pangolin) and will enjoy low fees and fast transaction through put on our future services as well.对于Gate.io的用户来说，Verso很有趣，因为它是Avalanche上的一个新项目，有着巨大的知名度和发展空间。这也是一个很好的学习机会，因为在其他链上出现可扩展性问题时，Avalanche和Verso的代币交易没有问题（在gate.io和Pangolin（穿山甲）上），并且在我们未来的服务上也能享受便宜、快速的交易。主持人海洋：了解，那么Avalanche区块链社区对Verso的评价如何？How have you been received by the Avalanche blockchain community?Verso CEO Gregor Arn：We just started out and the feedback has been very positive. It appears like the Avalanche community is in it for the long run and people are really supportive of projects like ours who build the pipes to connect the fragmented world of finance. Other blockchain projects on Avalanche have reached out and offered to collaborate and support us in growth.我们刚刚起步，反馈非常好。我们应该能得到Avalanche社区的长期支持，大家真的很喜欢我们这样的项目，通过建立通道来连接碎片化的金融世界。Avalanche上不少区块链项目已经抛出橄榄枝，表示愿意合作并支持我们。主持人海洋：相信有Avalanche社区的支持，Verso发展的会更迅速！那么Avalanche用户可以从这次合作中得到什么呢？What can Avalanche users expect from this collaboration?Verso CEO Gregor Arn：Verso connects to regulated e-wallets and digital banks. As such we arein a reputational business and see a great opportunity to also educate traditional financial service providers in terms of the advantages of blockchain-based products, the possibilities with hybrid finance, and specifically the high volume low value capabilities with Avalanche.Verso连接到受监管的电子钱包和数字银行。我们从事的是信用业务，潜力巨大，可以有着区块链的产品优势、混合金融的可能性，特别是Avalanche的高容量低成本，远胜传统金融服务提供商。主持人海洋：在Avalanche区块链上线后要实现的目标是什么？What are the objectives to be achieved for theAvalanche blockchain after this first launch?Verso CEO Gregor Arn：Our objective is to demonstrate the relevance of DeFi products in emerging markets. People who have $20 in an e-Wallet in the Philippines should be able to put that money into a yield generating product for a few days and earn an interest on it. 我们的目标是证明DeFi产品与新兴市场的紧密型。一个菲律宾人的电子钱包里只要有20美元，就可以把这些钱放到权益性产品里，几天就能获得利息。主持人海洋：好的，感谢回答。请问2021年还会有类似于这一次的发布会吗？Can you tell us more about whether there will befuture releases similar to this one in 2021?Verso CEO Gregor Arn：We are stillfinalising the detailed roadmap for 2021 and several products will also depend on partners. Right now we’re talking to some of the apps building on Wallet Engine and we have already identified some who are willing to add DeFi products into their user journeys and become part of the Verso early adopters program.我们仍在敲定2021年的详细路线图，几个产品也将取决于合作伙伴。现在，我们正在与一些WalletEngine上的应用程序交谈，我们已经确定了一些合作方，愿意将DeFi产品嵌入到他们的用户体验中，并参与Verso早鸟计划。1、Verso 官网全英文的，不方便国内用户使用，请问会增加中文版的吗？Verso's official website is in English, which is not convenient for Chinese users. Will you have a Chinese version? Verso CEO Gregor Arn：Yes, we are planning to revamp the website in the coming months. We will add other languages to it as well.是的，我们正计划在未来几个月内对网站进行改造。我们也将增加其他语言。What experiences can regular users participate in now?Verso CEO Gregor Arn：Verso is primarily between DeFi product providers, CeFi insurance and lending companies and connects them to regulated e-wallets and banks. Consumers/users will get access to all the products on Verso via their favourite apps, example an e-wallet or bank app.Verso主要介于DeFi产品供应商、CeFi保险和贷款公司之间，并将三者与受监管的电子钱包和银行联系起来。消费者/用户将通过他们喜爱的应用程序，例如电子钱包或银行应用程序，获得Verso上的所有产品。Is there geographical limit for Loan products on Avalanche?Verso CEO Gregor Arn：Avalanche is a global blockchain for future finance. There is no geographical limit. Loan products on Verso are also not limited, but we have a validation step that ensures compliance with local rules.Avalanche是一个用于未来金融的全球区块链。没有地域限制。Verso上的贷款产品也没有限制，但我们有一个验证步骤以确保符合当地规则。4、狗狗币能成功的原因之一就是因为狗狗币具有强大的社区人群，那么Verso 会如何在中国做强大，并扩展中文社区人群呢？One of the reasons Dogecoin has been successful is because it has a strong community. So how will Verso make it strong in China and expand the Chinese community?Verso CEO Gregor Arn：Verso is built for the regulated financial world and involves everyone to participate via community governance. We just started and there will be more announcements coming. I can already share here that later today we announce a Bonanza Week on Gate.io starting tomorrow. There is over $18,000 in price money :-)
Verso是为受监管的金融世界而建立的，并通过社区治理让每个人都参与进来。我们才刚刚开始，未来会有更多好消息等着大家。今天晚些时候我就可以在这里分享。我们宣布从明天开始，在Gate.io上将会有一个狂欢周。有超过18,000美元的悬赏金哦 :-)5、使用借贷平台很担心因币价波动被清算，请问Verso平台上是什么样的标准呢?I am worried about being liquidated due to the fluctuation of the currency price when I use the lending platform, what about the standards on Verso?Verso CEO Gregor Arn：Verso does not create lending products by itself, it's always a third party. But, you will be interested to hear that Verso will also connect CeFi lending providers. This means any lending company can build a product on Verso and distribute it directly to local e-Wallets. A CeFi loan can also be an unsecured loan in FIAT money that does not require any collateral.Verso总是由第三方负责，不会自己创造借贷产品。但是，你也许会有兴趣知道，Verso也会连接CeFi贷款供应商。这意味着任何贷款公司都可以在Verso上建立一个产品，并直接分发到当地的电子钱包。CeFi贷款也可以是不需要任何抵押品的FIAT货币的无担保贷款。Are there any products on Verso? Can we make a profit from them?Verso CEO Gregor Arn：The first products on the Verso marketplace will be yield products, lending products and micro insurance products. There will be several new categories possible as Verso is compatible with both, DeFi and CeFi. This means, an insurance company can create a product and only underwrite 50% of it, the rest can be underwritten by people via DeFi products. This opens up very new opportunities to generate returns.Verso市场上的第一批产品将是收益产品、借贷产品和小额保险产品。由于Verso与DeFi和CeFi都兼容，因此可能会有几个新的类别。这意味着，保险公司可以创建一个产品，但只承销其中的50%，其余的可以由人们通过DeFi产品承销。这为产生收益提供了非常新的机会。7、作为币圈的老韭菜，我有个币圈都关心的问题 。请介绍一下 Verso代币的流通量和分发情况 ，Verso 会有流动性挖矿吗 ?
Please tell us about the circulation and distribution of Verso tokens, and does Verso have farming yield? Verso CEO Gregor Arn：Yes, it actually just started yesterday! :-) You can already provide liquidity for VSO-AVAX and VSO-PNG and earn Pangolin tokens (PNG) as rewards. Pangolin is the DEX of Avalanche blockchain. Super cheap, super fast :-)是的，其实昨天就开始了！:-) 你已经可以为VSO-AVAX和VSO-PNG提供流动性，并获得穿山甲代币（PNG）作为奖励。Pangolin是Avalanche区块链的DEX。超级便宜，超级快:-)The majority of tokens are still locked up and we have very long vesting periods. As an example, the team tokens vest over 24 months.大多数代币仍然被锁定，因为我们有很长的归属期。举个例子，团队代币的归属期为24个月。8、那Verso 未来会跨链吗？币安智能链上就有较大的用户基数，并且GAS低廉使用便捷，Verso 是否会上币安智能链呢？Will Verso work cross chain in the future? There is a large user base on the Binance smart chain, and GAS is cheap and easy to use. Will Verso integrates with Binance smart chain? Verso CEO Gregor Arn：Yes, but right now the platform will only be on Avalanche because of the ultra-low transaction fees and the fast speed. But I can also say that we are partnering with a cross-chain DEX that will make it possible to move assets between Avalanche and Ethereum, incl. VSO :-) it will be announced in less than 10 days :-)是的，但现在我们的平台只在Avalanche上运行，因为其交易费用超低且速度快。但我们正在与一个跨链DEX合作，这将使资产在Avalanche和Ethereum之间流动成为可能，包括VSO :-)10天内就会宣布了 :-)9、Verso具备独树一帜的金融功能 ，能否透露一下 Verso目前在和国内哪些金融服务提供商洽谈，具体下一步哪一项具体的金融服务？Verso has a unique financial function, can you tell us which financial service providers Verso is currently talking to in China and which specific financial service is in your next step? Verso CEO Gregor Arn：We cannot yet share details on all the partnerships. But I can say there will be an announcement this Friday or Saturday about the partnership with Wallet Engine, a regulated financial institution in Singapore. Wallet Engine provides in-app wallets for different apps such as gaming apps and streaming apps. Some of these users are in China too.我们还不能分享所有关于合作关系的细节。但我可以说，本周五或周六我们将宣布与新加坡受监管的金融机构Wallet Engine达成合作。Wallet Engine为不同的应用程序提供应用内钱包，如游戏应用程序和流媒体应用程序。其中一些用户也在中国。10、Verso 为什么不首先上一线交易所，那么未来是否会上 火币 、币安 ，之类的主流交易所呢？Why Verso not be listed on leading exchanges first ? Whether in the future it will be listed on Huobi, Binance or other mainstream exchanges? Verso CEO Gregor Arn：As we are bulding on Avalanche, we wanted to list on Avalanche Pangolin Exchange first. The partnership with Gate.io did open the Avalanche possibilities to other users. We are currently talking to other exchanges too and you can expect to hear updates on listings in the weeks to come.由于我们是在Avalanche上建立的，我们想先在Avalanche穿山甲交易所上市。与Gate.io的合作确实向其他用户开放了Avalanche的可能性。我们目前也在与其他交易所洽谈，你可以期待在未来几周内听到关于上市的最新信息。Thank you for answering these questions!
关于Gregor Arn
他自2014年以来一直专注于新兴市场，包容性金融服务的传播者和充满激情的金融技术企业家。Gregor在创办Wallet Engine之前，在菲律宾推出了第一个社交支付应用，是一家位于新加坡的钱包即服务供应商，为跨境应用提供嵌入式金融支持。 Verso总部位于瑞士加密，Verso由Wallet Engine的创始人Gregor Arn创建，Wallet Engine是新加坡的一家受监管的公司，它在过去三年中拿到了所有需要的牌照，并一直在发展与核心银行解决方案如Manbu的合作伙伴关系，并在过去几年中取得了令人非常好的进展。已经能够整合28款应用，每个应用拥有100万用户。他们正在开发43款应用，用户数量高达7000万，Gregor Arn将这两个项目将紧密合作以将DeFi推向大众市场。Wallet Engine将成为创建后端小额金融解决方案的网络，而Verso将以白标形式将网络与市场链接起来。
Verso是一个针对受监管金融服务行业的去中心化市场的平台。其通过规范金融产品与消费者的关联方式，即消费者与数字钱包和银行账户的关系，缩小了去中心化金融（DeFi）和传统金融之间的差距。除了DeFi之外，Verso还允许传统金融服务提供商能够大规模流通小额信贷产品。
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来源：原创。
