## Τι είναι το Ripio Credit Network;

Το Ripio Credit Network (RCN) είναι ένα παγκόσμιο δίκτυο πίστωσης που εκμεταλλεύεται την τεχνολογία blockchain για να διευκολύνει τις συνδέσεις μεταξύ δανειστών και δανειοληπτών σε όλο τον κόσμο. Στοχεύει στη δημοκρατικοποίηση της πρόσβασης στις χρηματοοικονομικές υπηρεσίες, ιδιαίτερα στις αναδυόμενες αγορές, προσφέροντας μια αποκεντρωμένη πλατφόρμα για χρηματοοικονομικές πληρωμές και δανεισμό πίστωσης. Η βάση του RCN είναι το πρωτόκολλό του, το οποίο είναι κατασκευασμένο πάνω σε έξυπνα συμβόλαια στο δίκτυο Ethereum, εξασφαλίζοντας διαφάνεια, ασφάλεια και αποδοτικότητα στις λειτουργίες δανεισμού.

Η Αγορά Πίστωσης RCN, μια Αποκεντρωμένη Εφαρμογή (dApp), λειτουργεί ως η πύλη για τους χρήστες να αλληλεπιδρούν με τις προσφορές του δικτύου. Αυτή η αγορά είναι σχεδιασμένη για να απλοποιεί τη διαδικασία του ψηφιακού δανεισμού και δανειοληψίας ενσωματώνοντας δάνεια DeFi (Αποκεντρωμένης Χρηματοοικονομικής) και CeFi (Κεντρικής Χρηματοοικονομικής), καθώς και διευκολύνοντας δάνεια P2P (Από Συνάνθρωπο σε Συνάνθρωπο). Οι χρήστες μπορούν να διαχειρίζονται τις δραστηριότητες δανεισμού και δανειοληψίας τους εντός αυτής της μοναδικής πλατφόρμας, επωφελούμενο

### Πώς εξασφαλίζεται το Ripio Credit Network;

Το Ripio Credit Network (RCN) υιοθετεί μια πολυδιάστατη προσέγγιση για να διασφαλίσει την ασφάλεια και την ακεραιότητα της πλατφόρμας του, εξυπηρετώντας τις ανάγκες των δανειζομένων και των δανειστών στον χώρο της αποκεντρωμένης χρηματοοικονομικής (DeFi). Στον πυρήνα του, το RCN εκμεταλλεύεται την ανθεκτικότητα της τεχνολογίας blockchain, λειτουργώντας συγκεκριμένα στο δίκτυο Ethereum, το οποίο είναι γνωστό για την ασφάλεια και τη διαφάνειά του. Αυτή η βάση επιτρέπει στο RCN να προσφέρει ένα ασφαλές περιβάλλον για δραστηριότητες δανεισμού από άτομο σε άτομο.

Ένα από τα κύρια μέτρα ασφαλείας που υλοποιεί το RCN είναι η χρήση έξυπνων συμβολαίων. Πρόκειται για συμβόλαια που εκτελούνται αυτόματα, με τους όρους της συμφωνίας να έχουν γραφτεί απευθείας σε γραμμές κώδικα. Η χρήση έξυπνων συμβολαίων διασφαλίζει ότι όλες οι συναλλαγές στην πλατφόρμα RCN είναι διαφανείς, αδύνατο να παραποιηθούν και εκτελούνται αυτόματα χωρίς την ανάγκη για μεσάζοντες. Αυτό μειώνει σημαντικά τον κίνδυνο απάτης και λαθών, παρέχοντας έναν αξιόπιστο μηχανισμό για τη διαχείριση των δανείων από την αρχική χορήγηση μέχρι την αποπληρωμή.

Επιπλέον, το RCN τονίζει τη σημασία της επαλήθευσης ταυτότ

### Πώς θα χρησιμοποιηθεί το Ripio Credit Network;

Το Ripio Credit Network (RCN) λειτουργεί ως μια πρωτοποριακή πλατφόρμα στον τομέα της αποκεντρωμένης χρηματοοικονομικής (DeFi), προσφέροντας ένα ολοκληρωμένο οικοσύστημα για δανεισμό και δανειοδότηση που υπερβαίνει τα γεωγραφικά σύνορα. Στον πυρήνα του, το RCN στοχεύει στην απλούστευση και δημοκρατικοποίηση της πρόσβασης στον πίστωση μέσω της καινοτόμου χρήσης της τεχνολογίας blockchain. Αυτό επιτυγχάνεται συνδέοντας δανειστές, δανειολήπτες και προμηθευτές δανείων εντός ενός παγκόσμιου πιστωτικού δικτύου, προάγοντας ένα διαφανές, αποδοτικό και περιεκτικό χρηματοοικονομικό περιβάλλον.

Το RCN Credit Marketplace, ένα κύριο συστατικό του δικτύου, είναι μια αποκεντρωμένη εφαρμογή (dApp) που διευκολύνει την αλληλεπίδραση με το πρωτόκολλο RCN. Παρέχει στους χρήστες μια ομαλή διεπαφή για να συμμετέχουν σε δραστηριότητες ψηφιακού δανεισμού και δανειοδότησης, εκμεταλλευόμενη την ασφάλεια και τη διαφάνεια που είναι ουσιώδεις στην τεχνολογία blockchain. Μέσω αυτού του marketplace, οι πιστωτές έχουν την ευκαιρία να προσφέρουν δάνεια DeFi και CeFi, ενώ οι δανειολήπτες μπορούν να έχουν πρόσβαση σε δάνεια από ομότιμο σε ομότιμο (P2P), διαχειριζόμενοι όλες τις συναλλαγές εντός μιας ενοποιημένης πλατφόρμας.

Με τ

### Ποια είναι τα κύρια γεγονότα που έχουν συμβεί για το Ripio Credit Network;

Το Ripio Credit Network (RCN) έχει βιώσει αρκετές καθοριστικές στιγμές που έχουν διαμορφώσει την πορεία του στο τοπίο της blockchain και των κρυπτονομισμάτων. Από την αρχή του, το RCN έχει στόχο να επαναστατήσει τον τρόπο με τον οποίο διεξάγονται οι δανεισμοί και οι δανειοδοτήσεις διασυνοριακά, αξιοποιώντας την τεχνολογία blockchain για μια πιο διαφανή, αποδοτική και προσβάσιμη αγορά πίστωσης.

Ένα από τα θεμελιώδη ορόσημα για το RCN ήταν η κυκλοφορία του λευκώματός του, το οποίο παρουσίασε τον τεχνικό και λειτουργικό οδικό χάρτη του έργου. Αυτό το έγγραφο παρείχε μια σαφή οπτική για το πώς το RCN προτίθεται να διαταράξει τις παραδοσιακές χρηματοοικονομικές δομές συνδέοντας απευθείας δανειστές, δανειολήπτες και προμηθευτές δανείων μέσω του δικτύου blockchain του, εξαλείφοντας την ανάγκη για μεσάζοντες και μειώνοντας το κόστος.

Ακολουθώντας την κυκλοφορία του λευκώματος, το RCN έχει συνάψει αρκετές στρατηγικές συνεργασίες με ανταλλαγές και άλλα έργα blockchain. Αυτές οι συνεργασίες έχουν υπάρξει κρίσιμες για την επέκταση του οικοσυστήματος του RCN, την ενίσχυση της ρευστότητάς του και την αύξηση της προσβασιμότητάς του σε ευρύτερο κοινό. Οι συνεργασίες με ανταλλαγές έχουν διευκολύνει την κατ



## What's RCN?
RCN is an open-source global credit network that connects lenders, borrowers and originators on the blockchain to create frictionless, transparent and borderless loan markets.

The RCN Credit Marketplace is a proprietary Decentralized Application (dApp) that allows users to access the RCN protocol and connect with its features. By combining digital lending and borrowing tools with all the transparency and security of the blockchain, the RCN Credit Marketplace enables creditors to lend Decentralized Finance (DeFi) and Centralized Finance (CeFi) loans, borrow Peer-To-Peer (P2P) loans and manage everything in one place.

RCN is powered by its own open-source blockchain lending and borrowing protocol, which in turn runs on the Ethereum network. Composed by a modular set of smart-contracts, the protocol’s current version RCN Protocol v4.0 “Diaspore" allows its users to denominate, collateralize, receive, repay, fund, transfer and collect loans. In addition, it is compatible with a wide variety of Oracles, Loan Types and Backings.

## Who Are the Founders of RCN?
RCN was founded by Ripio Group's CEO, Sebastian Serrano. He's a tech entrepreneur from Argentina. In 2013 he launched the digital platform Ripio, offering fiat-to-crypto brokerage and a full suite of fintech solutions for consumers.  

RCN born in 2017 with the intention to bridge the gap between credit supply and demand across borders, creating a new ecosystem of decentralized lending and borrowing solutions for multiple stakeholders. The Credit Marketplace allows lenders worldwide to reach attractive lending opportunities, while borrowers around the world can enjoy requesting funds on their own terms by posting crypto-collateral. RCN also provides flexible access to global credit supply to a variety of entities beyond retail borrowers.

## What makes RCN unique?
RCN’s unique proposition lies in these three factors:
- Financial Efficiency: Peer to Peer Loans have no spread between borrowing and lending APRs. Now lenders can earn more while borrowers pay less.
- Customizability: Peer to Peer Loans allow that borrowers can choose their own APR. Being the one that decides how they will pay to borrow.
- Stability: More important Peer to Peer Loans’ APRs don’t vary during their term. Now they can know how much they will pay from the first day to the last.  

Ripio Credit Network

Trust Wallet

MetaMask

Ethereum

Shiba Inu

Chainlink

Uniswap

UNUS SED LEO

The Graph

JasmyCoin

Bonk

Aave

Immutable

Lido DAO

Ondo

FLOKI

Quant

Wormhole

FOGNET

Chainflip

Euro Cup Inu

Peapods Finance

OpSec

Oxen (formerly known as LOKI) is a privacy tech project with a mission. It’s a private cryptocurrency with instant transactions. An enormous and powerful PoS network. A secure messaging platform. A network anonymity layer. Tools to build a more private future for the Internet — all on blockchain.

Our vision is to provide a range of tools and services powered by the OXEN coin, enabling users and developers all over the world to leverage the power of our decentralised blockchain network to achieve unparalleled privacy and security as they work, play, and live their day-to-day lives on the internet. And this isn’t just an empty vision — we've put in the hard yards and spent years building these technologies to make our vision a reality.

The Oxen privacy stack includes:

Session, a fully anonymous, totally decentralised encrypted messaging platform

Lokinet, a powerful low-latency onion router

Oxen Name System (ONS), a registration system that allows users to provably burn OXEN to purchase temporary or permanent usernames for Session (and Oxen wallets), and domain names for Lokinet services

The Oxen coin is used for:

Staking to run Oxen Service Nodes

Purchasing name registrations for Lokinet (our onion router) and Session (our private messenger)

Transferring value through instant, private transactions with our revolutionary Blink transaction tech

Oxen

Crypterium

SALT Lending is a blockchain-based lending platform that offers users cryptocurrency-backed loans. Users deposit any combination of accepted tokens — such as Bitcoin (BTC), Ether (ETH), Litecoin (LTC), Doge (DOGE), DASH (DASH) or SALT (SALT) — as collateral to receive a loan in the form of a fiat currency or stablecoin.

SALT Lending has a native token, called SALT, that can be spent to reduce the interest rate on a loan and can be used as a secondary form of loan collateral. Currently, SALT is redeemable at a $7.50 value for interest reductions on loans, a policy and valuation which are subject to change.

The company was launched in 2016 and is operated by Salt Blockchain Inc., a for profit entity, Salt Lending LLC: Salt Master Fund II, LLC – NMLS 1711910.

SALT

WOM Protocol

Solve.Care is a healthcare platform company that uses blockchain to redefine care coordination, improve access to care, reduce benefit administration costs, and help reduce fraud and waste in healthcare around the world.

The Solve.Care platform (Care.Platform) allows for digital health networks, called Care.Networks, to be built and run for patient-centric care that can be based on medical conditions, economic and social needs, creating an entire healthcare ecosystem. Using Care.Platform, clients can launch networked, interoperable healthcare dApps, within a very short time frame.

Care.Networks on Care.Platform use the SOLVE token, a utility token that is used for inter/intra network payments and transaction fees. It also has additional uses including developer rights, staking, marketplace payments, and platform access fees.

SOLVE

saffron.finance

Status is categorized as a mobile and desktop operating system and decentralized browser that incorporates a messaging system. As such, Status allows you to interact with a network at any time, from anywhere. It was originally released in June in 2017.

It is a light client Ethereum node, and has the ability to give you access to all Ethereum decentralized applications (otherwise known as DApps) from an app that is installed on your mobile phone or tablet. This means that users can send encrypted messages as well as access decentralized applications, including a cryptocurrency wallet.

Status

TenX

Hifi (formerly Mainframe) is a Lending Protocol that allows anyone to borrow against their crypto. Hifi uses a bond-like instrument, representing an on-chain obligation that settles on a specific future date. Buying and selling the tokenized debt enables fixed-rate, fixed term lending and borrowing — something much needed in decentralized finance today. It is anticipated that a ticker symbol change will occur alongside future iterations on the Hifi Lending Protocol.

Mainframe Token (MFT) is the native utility token that is used for:

Governance votes

Staking to ensure the safety of the protocol

Rewarding contributors to the ecosystem

What can you do with the Hifi Lending Protocol:

Borrow:  Lock collateral in a vault to mint fixed-rate, fixed-term debt tokens.  These debt tokens can be swapped for instant liquidity allowing users to leverage long, yield farm, or pursue other strategic trades without selling their collateral tokens.

Lend:  Buy fixed-rate, fixed-term debt tokens for a discount.  When the term expires they can be redeemed for face value, earning lenders a predictable return on their investment.

Provide Liquidity:  Earn trading fees by providing liquidity between debt tokens and stablecoins on an Automated Market Maker (AMM).

Mainframe

Dragonchain

FUNToken stands out in the crowded blockchain space due to its unique combination of innovation, utility, and commitment to the GameFi and DeFi sectors. At its core, FUNToken is designed to revolutionize online gaming and decentralized finance by providing a fast, transparent, and trustless platform for transactions and gaming experiences. Unlike traditional gaming and financial platforms, FUNToken leverages blockchain technology to ensure security, reduce transaction costs, and enhance user autonomy by allowing players and investors to have complete control over their assets without intermediaries. Moreover, its integration into various gaming platforms and DeFi applications offers users unparalleled access to a vast ecosystem of entertainment and financial opportunities. With its focus on user experience, scalability, and continuous innovation, FUNToken is not just another digital asset; it's a gateway to a new era of digital interaction, making it a standout project in the blockchain community.

FUNToken

Carbon Protocol

Ignis

0x is an infrastructure protocol that allows users to easily trade ERC20 tokens and other assets on the many different blockchains (including Ethereum) without relying on centralized intermediaries. It is a protocol for decentralized exchange.

0x achieves this decentralized exchange functionality using a collection of open-source, publicly auditable smart contracts that work together to produce a flexible, low-friction trading protocol that developers can easily weave into their products.

The protocol is used by companies building web3 apps such as wallets, DEXes, portfolio trackes, and others. It is a used by hundreds of developers for their projects. The protocol has facilitates over $200B in trading volume since its inception. One can track its usage in its dedicated https://explorer.0x.org/.

The protocol is powered by an ERC20 governance token known as ZRX. ZRX holders can participate in protocol governance, having direct power over protocol changes and its community treasury.

0x Protocol

Streamr (DATA) is an open source project and decentralized platform that relies on cryptography instead of trust. It is a P2P, real-time data infrastructure that houses a platform and tools for a new data economy. The technology stack includes a scalable real-time messaging network (pub/sub) hosted on computers worldwide, a marketplace for trading/selling data and a set of tools for working with real-time data.

Streamr (DATA) was crowdfunded in 2017. The main idea is to create decentralized infrastructure and data economy; the mission was formulated by the developers as “Unstoppable Data for Unstoppable Apps.” Streamr tokenizes the value of real-time information and makes it available on their marketplace and data unions. This is built for DApps, IoT devices and more, and they believe this is a crucial protocol for Web 3.0.

The tasks of Streamr DATA coin include creating a comfortable and prosperous information market, which is built on the basis of a data exchange network that is convenient and understandable for users. How it works: the decentralized pub/sub network is supported by nodes around the world, who earn DATA tokens in exchange for the bandwidth and validation they provide.

The competitive advantage lies in the fact that it is an off-chain network (for example, when compared to a similar IOTA service). Therefore, the risk that the project will face scalability and bandwidth issues is modest. The intention of the Streamr team is not to create some special blockchain, but to focus on the development of network optimization technologies. If Streamr lacks the capabilities of Ethereum, developers can always transfer the platform to another blockchain.

Streamr

Populous is a network designed to offer small and medium-sized enterprises (SMEs) invoice liquidity for up to 90 days. Launched in 2017, Populous is designed to enable peer-to-peer (P2P) interaction between enterprises, boost liquidity and solve problems with working capital for SMEs.

By relying on blockchain technology and smart contracts, the Populous network facilitates decentralized communication between businesses and allows them to share liquidity pools. According to the network’s official whitepaper, there is a need for liquidity in the sector, and Populous is trying to bring the solution. By providing short-term liquidity to enterprises through P2P lending, the network gives enterprises quick access to capital, which cannot be achieved by waiting for customers to settle invoices.

Populous

v.systems

BitKan

BitShares Blockchain is a decentralized “Blockchain as Organization” (BaO); an industrial-grade decentralized open source platform built to run high-performance financial technology operations. It represents the first decentralized autonomous decentralized community that enables its core utility token (BTS) holders to decide the Blockchain future direction in order to develop and maintain a wide range of decentralized financial technology products, features and functions. BitShares Blockchain is a Blockchain that permanently records financial technology operations between different Blockchain accounts and facilitates a wide range of access controls across BitShares Blockchain user financial means.

BitShares Blockchain is a technology that supports the digital generation entrepreneurs, investors, and developers with a common interest in building and participating in free market solutions by leveraging the power of globally decentralized consensus and decision making. Consensus technology has the power to do for economics what the internet did for information. It can harness the combined power of all humanity to coordinate the discovery and aggregation of real-time knowledge, previously unobtainable. This knowledge can be used to more effectively coordinate the allocation of resources toward their most productive and valuable use.

BitShares looks to extend the innovation of the Blockchain to all industries that rely upon the internet to provide their services. Whether its banking, stock exchanges, lotteries, voting, music, auctions or many others, a digital public ledger allows for the creation of distributed autonomous companies (or BaO) that provide better quality services at a fraction of the cost incurred by their more traditional, centralized counterparts. The advent of (BaO) ushers in a new paradigm in organizational structure in which companies can run without any human management and under the control of an incorruptible set of business rules. These rules are encoded in publicly auditable open source software distributed across the computers of the companies’ shareholders, who effortlessly secure the company from arbitrary control. BitShares does for business what bitcoin did for money by utilizing distributed consensus technology to create companies that are inherently global, transparent, trustworthy, efficient and most importantly profitable.

BitShares has went through many changes and has done its best to stay on top of Blockchain technology. BitShares is using Consensus as the mechanism by which organized people decide upon unitary rational action. While not considered technology in the traditional since, consensus “technology” is the basis of democratic governance and the coordination of free market activity first coined by Adam Smith as the “Invisible Hand.” The process of consensus decision-making allows for all participants to consent upon a resolution of action even if not the favored course of action for each individual participant. Bitcoin was the first system to integrate a fully decentralized consensus method with the modern technology of the internet and peer-to-peer networks in order to more efficiently facilitate the transfer of value through electronic communication. The proof-of-work structure that secures and maintains the Bitcoin network is one manner of organizing individuals who do not necessarily trust one another to act in the best interest of all participants of the network. The BitShares ecosystem employs Delegated Proof of Stake in order to find efficient solutions to distributed consensus decision making.