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Author Topic: Aave/ETHLend - Decentralized Lending DApp - The Game Changer - All info Updated  (Read 42206 times)
Stunny
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August 15, 2017, 05:04:43 AM
Last edit: September 16, 2019, 05:10:09 PM by Stunny
 #1


    ETHLend update 2019


    Hello all! From the ETHLend/Aave team we would like to update the post so everyone is up to date about what happened during all this time related with our project.
    ETHLend rebranded to Aave in September 2018 as we released new products to complement the whole lending experience and also we added Bitcoin interoperability to ETHLend platform in beginnings of 2018 so we required a new name to englobe all this new ecosystem incoming.

    Check our site at:
    https://aave.com   

    If you want to know about the highlighted news over this time check “Top news historic” section. Also below you have the information about Aave/ETHLend products:

    ETHLend

    ETHLend is a decentralised peer to peer lending platform that allows people all over the world to get a loan or become a lender. As a decentralised platform, using the Blockchain technology we enable you to get or fund a loan within minutes in a secure way.

    Since the first release lot of features were added as the addition of Bitcoin as collateral, crowdlending, partial collateral call, new currencies as for example stable coins, more than 150+ ERC20 collaterals and much more (check the news historic).

    You can access and use the Dapp at:
    https://ethlend.io

    Aave Pay

    Aave Pay is a service that allows European users to pay in FIAT (Euro currently) using their preferred cryptocurrency (LEND, DAI, BTC, ETH, ADA, LTC, BCH, XLM, XRP, USDT, KCS and BNB currently available). With this service users will be able to take a loan in ETHLend and directly send to their bank account or directly cash out your crypto without a complex process, just sending a transaction.

    Having stable coins as DAI and USDT 1:1 ratio with USD, you can try it out at:
    https://pay.aave.com

    Aave Decentralized Lending Pools (DLPs)

    Aave Decentralized Lending Pools are a new improved lending model to complement the P2P model of ETHLend. In this new Lending model users will be able to become lender and borrower just depositing their assets in their pools and getting passive income from their holdings, allowing also to borrow using them as collateral.

    Our DLPs will have new features and improvements in comparison with similar lending models as would be swapping between fixed and variable rate at any time as borrower and offering an open source protocol, allowing anyone to build on top of the DLPs and use the service through our client, API our directly using the ABI of the smart contracts. There are more features to be disclosured, currently our DLPs are in testnet, here the latest information:
    DLPs Blog Post

    LEND Token

    Our token is currently being used in our products having different benefits. You can check the information here:
    LEND Token

    In our incoming Decentralized Lending Pools the token will have core/key features and utility. The token will be required to participate in the DLPs in different roles, it will allow users to deposit the token in the pools to get passive income acting as lender, it will be burnt based on the fees gathered in the protocol and will be used by the token holders to vote on the decisions to be taken in the protocol as for example addition of new features. The token will be swapped to adapt it to the new products and add new functionalities. We will notify when the process and details about this process are clear.
    Make sure to follow our social media to be updated, check the section below!


    Social Media

    If you want to be updated with the latest news you follow our different social networks


    Top News Historic

    In order to update everyone up to date about what happened in ETHLend since 2017 here you have the top news selection over the time, ordered from recent to older.

    05-09-2019 – September update: DLPs are coming and events season has started!
    https://medium.com/aave/september-update-dlps-are-coming-and-events-season-has-started-6dd2119b82b0
    19-07-2019 – Decentralized Lending Pool (DLP) Protocol Launched on testnet
    https://medium.com/aave/decentralized-lending-pool-dlp-protocol-launched-on-testnet-swap-between-fixed-and-variable-e72ae43992c
    04-06-2019 – Aave reopens ETHLend to US customers – Lenders and borrowers
    https://medium.com/aave/aave-is-reopening-ethlends-doors-to-us-customers-with-some-new-exciting-features-949756b472e4
    08-05-2019 – Aave (ETHLend) Roadmap extension – Introducing the Decentralized Lending Pools – New lending model
    https://medium.com/aave/aave-roadmap-extension-introducing-decentralized-lending-pools-dlps-66c3057ecaa7
    18-04-2019 – New features and improvements on ETHLend
    https://medium.com/aave/ethlend-evolves-introducing-exciting-new-features-with-the-latest-baiji-update-d6595472e0b7
    15-03-2019 – New features on ETHLend, new languages, collateral tokens and currencies
    https://medium.com/aave/announcing-new-features-on-ethlend-with-the-baiji-update-9dc9815de411
    27-02-2019 – New product Aave Pay released, allowing European users to pay in fiat using cryptocurrencies
    https://medium.com/aave/aave-pay-is-out-now-pay-your-bills-with-crypto-89f9f59dc57
    06-02-2019 – ETHLend Alpha 0.4 (Baiji) released on mainnet adding Bitcoin and much more new features
    https://medium.com/aave/ethlend-baiji-release-has-arrived-on-the-mainnet-9efb6236aa1b
    09-01-2019 – Aave (ETHLend) expands to London
    https://medium.com/aave/aave-expands-to-london-45a47f7f8666
    14-12-2018 – Baiji release candidate for mainnet released in testnet
    https://medium.com/aave/development-update-santa-came-earlier-this-year-the-baiji-release-candidate-is-here-5e2ecf75cc81
    08-11-2018 – ETHLend welcomes US borrowers
    https://medium.com/aave/ethlend-open-for-us-borrowers-8d66a5f5bfcd
    05-10-2018 – ETHLend Alpha 0.4 “Baiji” released on testnet adding Bitcoin
    https://medium.com/aave/breaking-news-bitcoin-lending-release-baiji-now-on-ethereum-testnet-846ed13e26e5
    18-09-2018 – ETHLend rebrands to Aave, new parent Brand and new products coming
    https://medium.com/aave/ethlend-reveals-a-new-parent-brand-aave-launching-multiple-products-e94362a5204e
    23-08-2018 – Introducing new LEND token economy model: Decentralized Microstaking
    https://medium.com/aave/introducing-a-new-economy-model-decentralized-microstaking-cf8b2e41fa6
    08-08-2018 – Introducing particle collateral call, liquidation protection, new pegs and new version teaser images
    https://medium.com/aave/dev-update-introducing-partial-collateral-call-liquidation-protection-pegs-and-teaser-images-1e6985d55358
    04-07-2018 – Development update, new statistics page and 10 different languages supported
    https://medium.com/aave/kogia-alpha-0-3-development-update-statistics-translations-and-more-90b4df2e6ac7
    05-06-2018 – Development update + addition of 94 new tokens as collateral in ETHLend
    https://medium.com/aave/kogia-alpha-0-3-development-update-94-new-tokens-d10e0fc5b91d
    14-05-2018 – ETHLend Alpha 0.3 (Kogia) released on mainnet
    https://medium.com/aave/breaking-news-kogia-0-3-alpha-released-on-mainnet-1-000-000-lend-in-rewards-c9c8588c998b
    05-04-2018 – ETHLend Alpha 0.3 (Kogia) released on testnet
    https://medium.com/aave/ethlend-unleashes-alpha-0-3-kogia-to-ethereum-testnet-6cf17b9a8500
    27-03-2018 – New milestones and testnet launch announced for ETHLend Alpha 0.3 “Kogia”
    https://medium.com/aave/breaking-news-ethlend-0-3-kogia-testnet-launch-announced-user-experience-in-focus-db01231354f
    19-02-2018 – Over 4,000 ETH Lending volume in ETHLend
    https://medium.com/aave/ethlend-reaches-record-breaking-over-4-000-eth-lending-volume-87b4db5dfade
    01-02-2018 – Zero fee lending with LEND as currency and half fees with LEND as collateral
    https://medium.com/aave/introducing-zero-fee-lending-when-lend-is-used-as-the-medium-and-50-fee-reduction-for-lend-backed-199d0e6abddf
    29-01-2018 – New LEND token utility and fee structure
    https://medium.com/aave/development-update-unboxing-the-new-lend-utility-and-fee-structure-lend-to-become-the-blockchain-a62df4e03273
    15-12-2017 - ETHLend Alpha 0.2 “Omura” launched in mainnet
    https://medium.com/aave/dev-update-ethlend-alpha-0-2-launched-today-welcome-to-the-beginning-of-crypto-finance-8aa6464139c7 [/li][/list]


    Roadmap Extension and Legacy White Paper

    Roadmap Extension:
    https://medium.com/aave/aave-roadmap-extension-introducing-decentralized-lending-pools-dlps-66c3057ecaa7
    Legacy White Paper:  
    https://github.com/ETHLend/Documentation/blob/master/ETHLendWhitePaper.md

    The Team

    Introducing our core team:
    Stani Kulechov, Founder & CEO, stani@aave.com
    Jordan Lazaro Gustave, COO, jordan@aave.com
    Irene Fucile, Business Development, irene@aave.com
    Ville Valkonen, CCO, ville@aave.com
    Pablo Candela Andrade, Support Manager, pablo@aave.com
    To get to know the whole team, visit https://aave.com/press

    Media Publications on Aave/ETHLend

    https://defiprime.com/ethlend
    https://www.badcredit.org/news/ethlend-facilitates-crypto-backed-loans-for-fast-borrowing/
    https://www.coindesk.com/decentralized-finance-emerges-as-banner-topic-at-ethereum-denver-conference
    https://www.forbes.com/sites/astanley/2018/10/29/brave-new-world-of-crypto-lending-platforms-navigate-turbulent-2018-market/#35f7e71c1672
    https://www.forbes.com/sites/astanley/2018/10/29/brave-new-world-of-crypto-lending-platforms-navigate-turbulent-2018-market/#35f7e71c1672
    https://www.bloomberg.com/news/articles/2019-01-02/thriving-on-bitcoin-s-bust-lenders-aid-both-fanatics-and-shorts
    https://cointelegraph.com/news/defi-and-credit-on-the-blockchain-why-loans-are-better-when-theyre-decentralized

    Frequently Asked Questions

    In our learn center you can consult many frequent question and topics about our products:
    https://learn.aave.com/hc/en-us

    Ratings

    https://coinmarketcap.com/currencies/aave/#ratings
    https://defiprime.com/decentralized-lending
    https://info.binance.com/en/currencies/aave
    https://www.stateofthedapps.com/dapps/ethlend
    https://www.dapp.com/dapp/ETHLend
    https://www.dapptotal.com/detail/3490



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    1596477430
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    Kisleav
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    August 15, 2017, 05:20:55 AM
     #2

    hope this becomes one the best projects with its clear every thing, hope are high in this ethlend project, am following it
    gobisirom
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    August 15, 2017, 05:33:48 AM
     #3

    1 billion token means what?
    What is the price of 1 eth / ethlend, team looks good, hope this does not disappoint us, Cool
    Stunny
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    August 15, 2017, 05:47:04 AM
     #4

    1 billion token means what?
    What is the price of 1 eth / ethlend, team looks good, hope this does not disappoint us, Cool


    Hi, general price is 1 ETH =25 000 LEND, however pre-sale 20% price reduction (bonus tokens)

    On official sale first 200 mill, 10 % bonus tokens and next 100 mill 5 % bonus tokens. The prices are on the opening thread.

    Enjoy Smiley

    Stunny
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    August 15, 2017, 06:23:21 AM
     #5

    hope this becomes one the best projects with its clear every thing, hope are high in this ethlend project, am following it

    Thanks for support, do ask any question that may arise Smiley

    klf
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    August 15, 2017, 06:31:24 AM
     #6

    I couldn't find the answer or I missed it. If borrower defaults loaned amount what will happen?

    Who will pay to the lender in case of borrower defaults? Because you guys said that no collaterals then how the lender will recover his money?

    If you guys protect lender money then only this business can be successful otherwise I don't think it will be a successful business.
    overlordcoin
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    August 15, 2017, 06:36:19 AM
     #7

    How the borrower start a lend? using the ETHLend Tokens or other altcoin as collateral?
    Stunny
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    August 15, 2017, 06:51:06 AM
     #8

    How the borrower start a lend? using the ETHLend Tokens or other altcoin as collateral?

    You can use any ERC-20 compatible tokens (EOS, DigixDAO, ICONOMI etc.) or any ENS domain.

    Here is good instructions: https://www.youtube.com/watch?v=Tb6fzGXADho&list=PLf4N4wF5YKdoJDIe2D_Cg4cXWa-ruMpV5

    Make sure to have MetaMask installend and switched to Ethereum Main-net  Smiley

    You can also fool around at http://test.ethlend.io (Kovan network), but you need to switch to Kovan from MetaMask and have Kovan Ether (ask from: https://gitter.im/kovan-testnet/Lobby?at=590811ea12d2409935b9919d) and you can create test ERC-20 compatible tokens at: https://tokenfactory.surge.sh/#/factory

    Have fun Smiley

    Stunny
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    August 15, 2017, 07:24:52 AM
    Last edit: August 15, 2017, 07:38:55 AM by Stunny
     #9

    I couldn't find the answer or I missed it. If borrower defaults loaned amount what will happen?

    Who will pay to the lender in case of borrower defaults? Because you guys said that no collaterals then how the lender will recover his money?

    If you guys protect lender money then only this business can be successful otherwise I don't think it will be a successful business.

    Lending is based on 1. Collaterals: such as ERC-20 compatible tokens (any token) or ENS domains (any domain) or 2. Reputation based lending: when the borrower has repaid collateral based lending, the borrower gains reputation to borrow to a certain (with certain limitations) amount of ETH without a collateral (trusted borrowers).

    In addition, ETHLend is planning to introduce a decentralized credit rating system, where centralized credit data feeds can be implemented by the use of Oracles. Moreover, there will be other risk assessment tools such as using AI and machine learning to assess Credit Risk or Prediction Market to help credit risk assessment for the borrower.

    On risk sharing, there will be introduced crowdlending to share risk and a protocol to provide third party decentralized insurance policies or guarantors. The White Paper is quite detailed on the credit risk and risk sharing mechanisms.

    So yes, in your definition, it will be a success.

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    August 15, 2017, 07:34:26 AM
     #10

    long time project in pre ico and ico selling
    i think investor only wait in month december can invest
    because is early buy is very long time wait until end ico , distribution coin and listing in exchanger

             ▄▄▄
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    █████████      ▄▄████
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    █████████        ████
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    ████████████████████▀
     ▀▀██████████████▀▀
         ▀▀██████▀▀
    GREENISH
    COIN








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    Stunny
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    August 15, 2017, 07:47:40 AM
     #11

    long time project in pre ico and ico selling
    i think investor only wait in month december can invest
    because is early buy is very long time wait until end ico , distribution coin and listing in exchanger


    We do not want to rush. It is important that the token sale participants understands well the project and the detailed white paper (which is over 55 pages). Our aim is to attract the future users of the DApp and participants who share the long term goals that we at ETHLend possess, rather than attracting short term coin speculation goals. That is the reason that LEND entitles 25% discount on fees on the DApp compared when paying in ETH.

    Stani Kulechov - Founder of ETHLend.

    More info on Slack: https://join.slack.com/t/ethlend/shared_invite/MjAzMTM0MzEyNzA3LTE0OTg0MDk0NDItOGY0MTlkMTlmZA

    Stunny
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    August 16, 2017, 12:39:23 PM
     #12

    New Loan Request on ETHLend: 2 ETH (USD 579.40) loan (Collateral: 1000 Ethereum Movie Venture token, total worth USD 749.28, Collateral ratio to loan: 129,32%). Loan period 30 days, Interest 0.02 ETH (USD 5.791)

    Analysis: Collateral is sufficient, loan is secure. The interest is humble in percentage (1%, however Annualized Return (ROI) is excellent: 12.87%). Our recommendation is to fund.

    Loan on Dapp (Use MetaMask Google Add-On and Switch to Ethereum mainnet):

    https://app.ethlend.io/loan-request/0x53a2472363dce5867abb0cdb3a8ba677ebccadbe

    Loan on the ledger (Token Transfers tab confirms that the collateral is in place and I checked that the collateral token smart contract address is correct):

    https://etherscan.io/address/0x53a2472363dce5867abb0cdb3a8ba677ebccadbe

    Info about the collateral:

    https://emovieventure.com

    Enjoy!

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    August 17, 2017, 08:15:10 PM
     #13

    WEEKLY TOKEN SALE UPDATE – WEEK 32

    ETHLend Bounty Program



    This week ETHLend started its Bounty Program. The goal is to increase participation among our community and give our supporters a chance to be part of the ETHLend project.

    You can check the details on our BitcoinTalk forum: https://bitcointalk.org/index.php?topic=2078686.0;all

    Introduction to Market Pegged Assets





    ETHLend has introduced the idea of pegging digital collateral used in Smart Contract loans to the price of USD. This way borrowers and lenders don’t need to be subject to price volatility. Also this reduces risk for unintentional defaults.

    You can read more about it here: https://about.ethlend.io/2017/08/13/how-does-the-usd-pegged-loan-work-at-ethlend/

    Jaarvis Accelerator Hackathon









    EthLend’s Local Advisor in India, Opinder Singh, joined the Jaarvis hackathon, where people are exploring blockchain technology and its use cases.

    Here’s a short article about the event: https://about.ethlend.io/2017/08/13/jaarvis-accelerator-hackathon-and-ethlend-official-bounty-campaign/



    ETHLend Pre-ICO

    ETHLend announced its Pre-ICO and ICO dates a week ago and preparations have started.
    You can read more about it here https://about.ethlend.io/2017/08/08/ethlend-announces-lend-token-pre-sale-ico/
     


    Stay tuned for more updates and follow us on our social media!

    Especially Telegram (Since our Decentralized Whale loves Telegram) Smiley



    Website: https://about.ethlend.io/token-sale/
    White Paper: https://github.com/ETHLend/Documentation/blob/master/ETHLendWhitePaper.md
    Discord (Latest news and voice chats): https://discord.gg/nKjsStv
    DAPP Thread: https://bitcointalk.org/index.php?topic=2013399
    Telegram: https://t.me/ETHLend
    Reddit: https://www.reddit.com/r/ETHLend/
    Facebook: https://www.facebook.com/ETHLend/
    YouTube: https://www.youtube.com/watch?v=IGaoqUoL1F4&t=2s
    Twitter: https://twitter.com/ethlend1
    Medium https://medium.com/@ethlend1
    Steemit: https://steemit.com/@ethlend

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    August 19, 2017, 10:25:18 AM
     #14

    ICOBench Rated Us 4.6, Awesome!

    https://icobench.com/ico/ethlend


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    August 19, 2017, 08:25:20 PM
     #15

    The first decentralized loan was funded!

    Details below:



    Discussion on Reddit:

    https://www.reddit.com/r/ETHLend/comments/6uoue8/first_decentralized_loan_funded_annualized_return/

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    August 19, 2017, 09:01:46 PM
     #16

    The first loan is getting some luv at Reddit  Shocked


    homnix
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    August 19, 2017, 09:03:49 PM
     #17

    The project is good and i will inverting.
    Bounty program DEV?
    Stunny
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    August 19, 2017, 10:16:45 PM
     #18

    The project is good and i will inverting.
    Bounty program DEV?

    Hi, yes we have a bounty program here: https://bitcointalk.org/index.php?topic=2078686

    Jurgen
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    August 20, 2017, 10:48:40 PM
     #19

    The German ETHLend thread is now online:
    https://bitcointalk.org/index.php?topic=2106385
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    August 21, 2017, 01:33:17 PM
     #20

    The German ETHLend thread is now online:
    https://bitcointalk.org/index.php?topic=2106385

    Thnaks Jurgen! It looks amazing  Shocked

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