Intercambiar dFund DFND a Wrapped Bitcoin WBTC

dFund is a project that aims to build an all-encompassing platform combining advanced DeFi smart-contract-powered features including decentralized hedge funds, direct p2p lending, credit scores, DAO governance and a secondary marketplace for synthetic assets into one easy to use platform. Every user on the platform will be able to start their own decentralized hedge fund, or invest in one, and decentralized hedge funds on the platform will be ranked by their performance (roi), so people can make informed decisions. The founder of the decentralized hedge fund can only swap / trade with user funds, while withdrawals and payouts are automated by smart contracts, therefore eliminating the possibility of scam or pyramid schemes. The platform will also enable users to participate in direct p2p lending, where every user sets the loan amount, interest rate, loan duration, and collateral requirement, which can be even under or over 100% allowing for under and over collateralized loans. Every borrower on the platform will have a credit rating, and lenders can set the minimum credit rating required to take the loan, and even set different collateral requirements and interest rates for users with different credit ratings. If someone never got liquidated on their loan aka never defaulted and always paid back the loan amount + interest on time, they will have a very high credit rating, while users who get liquidated / default many times will see their credit rating slip down. Credit rating can be improved or worsened over time. The platform will also have a secondary marketplace for synthetic assets where users can buy and sell the loans, therefore allowing lenders to exit their positions and delegate the risk and waiting time to other users. So for example, if a user is lending a loan with a 10% interest rate, but they need money / liquidity urgently or they simply don’t want to wait until the end of the loan duration, they can instead decide to sell their loan, and maybe someone will buy it for 4% instantly, which would mean a 6% profit for them after they receive the original 10% interest at the end of the loan’s duration, which is beneficial for both a buyer and the seller. For the seller (the original lender), they don’t have to wait and they are getting a smaller profit with no risk, and for the buyer of the loan, they are receiving a higher profit for waiting until the end of the loan’s duration. This is in many ways similar to real life bond market.

Wrapped Bitcoin (WBTC) es un token de Ethereum cuya finalidad es representar a Bitcoin (BTC) en la cadena de bloques de Ethereum. No es Bitcoin, sino más bien un token ERC-20 independiente que está diseñado para hacer un seguimiento del valor de bitcoin. WBTC se creó para permitir a los poseedores de bitcoins participar en aplicaciones de finanzas descentralizadas («DeFi») que son populares en Ethereum. A través de un socio de WBTC, 1 bitcoin puede intercambiarse por un 1 Wrapped Bitcoin y viceversa. El BTC que respalda a WBTC es verificable a través de un sistema de «prueba de reserva» que verifica el respaldo 1:1 entre tokens de WBTC acuñados y Bitcoin guardados por depositarios. WBTC lo mantiene un grupo denominado WBTC DAO formado por más de 30 miembros. Originariamente fue creado por BitGo, Ren y Kyber.