hub.sol 是资本与借贷相遇之地。 （“lend(ing)” 这里是英文的双关，既指 “lend 借出”，也指 “lending 借贷业务”。） hub.sol is where capital meets lend(ing).
Stani.ethFounder & CEO, AAVE
观点原文
hub.sol 是资本与借贷相遇之地。
（“lend(ing)” 这里是英文的双关，既指 “lend 借出”，也指 “lending 借贷业务”。）
hub.sol is where capital meets lend(ing).
DeFi
相关观点
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- 会议日程安排平台（如 Calendly、Google Calendar 等）应该提供 25 分钟而不是 30 分钟、55 分钟而不是 60 分钟的会议时段，依此类推。 大多数会议最后几分钟往往并没有实际价值，而这些工具内置的时间限制能够帮助人们更自然地结束通话。 在连续会议之间，多出 5 分钟的缓冲时间，会显著提升生产力和整体生活质量。 Meeting-scheduling platforms (Calendly, Google Calendar, etc.) should start offering 25-minute slots instead of 30, 55 instead of 60, and so on. The final few minutes of most meetings rarely add meaningful value, and built-in time limits from these tools make it easier to wrap up calls naturally. That extra 5-minute buffer between back-to-back meetings can make a significant difference in both productivity and overall quality of life.Stani.eth · 2025/12/11
- 英国的“金融促销（Financial Promotions）制度”正在扼杀稳定币： 英国一直宣称希望在加密和金融科技领域成为全球领导者，但它的“金融促销”监管框架正在做着相反的事情。 这个名字听起来像是与广告相关，但实际上它与广告几乎没有关系，而是把最基础的数字货币产品变得极难供英国用户使用。 这一制度本来是为了阻止地铁上那些误导性的加密广告，但如今却把所有加密资产一视同仁——包括稳定币在内，而稳定币本应像数字英镑或数字美元一样稳定，却被当成所有剧烈波动的代币一样监管。 这种看法已经完全过时，也没有认识到稳定币的实际运作方式，或它们在支付、结算和日常金融中正变得多么重要。 由于这种“一刀切”的监管框架，为英国用户构建稳定币产品变得不必要地困难：大量的长问卷、强制 24 小时冷静期，以及各种阻碍，甚至在用户只是想做一个简单的“充值余额”操作之前都会横亘在前。 这让用户体验变得缓慢而笨拙，而本应像使用任何现代金融科技应用一样简单顺畅。同时，它也让英国开发者更难、更昂贵地提供透明、合规且世界级的稳定币产品，更不用说那些内嵌 DeFi 功能的创新产品了。 这一制度不仅没有鼓励创新，反而在主动惩罚创新。 结果完全可以预料： 用户流向海外产品，创业者不愿意在英国构建业务，而英国正在一个它本可以真正领先的领域失去优势。 “金融促销”制度不仅需要微调，它需要的是彻底改革——甚至完全废除，用一个现代、支持创新的监管方式来取代，一个可以分清“投机性交易”与“核心数字金融基础设施”的制度。 如果英国真的想在未来金融中保持领先，它就必须停止亲手阻碍未来的发展。我鼓励整个行业团结起来，推动一个更具理性、更加友好的创新监管框架，否则更多的人才和进步将继续流向别处。 行动的时机，就是现在——再拖就太迟了。 The UK’s Financial Promotions regime is killing stablecoins: The UK keeps saying it wants to lead in crypto and fintech, but its “Financial Promotions” regime is doing the opposite. The name sounds like something about advertising, but, in reality, it has very little to do with adverts and a lot to do with making basic digital money products very difficult to use for UK users. It was meant to stop misleading crypto ads on the tube, but instead it now treats every crypto asset the same, including stablecoins, which are designed to behave like digital pounds or dollars, as if they’re all volatile tokens. That view is out of date and fails to recognise how stablecoins actually work or how essential they’re becoming for payments, settlement and everyday finance. Because of this one-size-fits-all framework, building stablecoin products for UK users has become needlessly difficult. Long questionnaires, mandatory 24-hour cooldown periods and constant friction before a user can do something as simple as topping up a balance. This creates a slow, awkward experience for something that should feel as straightforward as using any modern fintech app. It also makes it far harder and more expensive for UK builders to offer transparent, compliant and world-class stablecoin products with embedded DeFi. Instead of encouraging innovation, the regime actively punishes it. The result is predictable. Users drift toward overseas products, founders hesitate to build in the UK and the UK loses ground in a field where it could genuinely lead. The Financial Promotions regime doesn’t just need minor adjustments. It needs a complete reform, or scrapping altogether, in favour of a modern, innovation-friendly approach that understands the difference between speculative trading and essential digital financial infrastructure. If the UK truly wants to lead in the future of finance, it has to stop holding that future back. And I encourage the entire industry to come together and push for a more sensible, innovation-friendly approach before even more talent and progress move elsewhere. The time to act is now until its too late.Stani.eth · 2025/11/28