Categories
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Project Update | 2021.3.19

12
__
Mutual DAO System (MDS) is the first global mutual aid system based on blockchain & smart contract, which also leverage DAO (Decentralized Autonomous Organization). It combines the traditional mutual insurance model with blockchain and smart contract which provide a low operation cost and guarantee of compensation for risks.

The investment institutions of MDS include well-known blockchain VCs such as Fenbushi Capital, Danhua Capital, Fundamental Labs and etc.

We gratefully thank all the community friends and MDS fans that the project could not go far without your support and trust. MDS project focuses on long-term development, and our community will always follow the principle of fairness and transparency. We biweekly release our project updates in form of the following progress journal:

MDS DeFi Insurance Contract

Launched:

MDS Mutual Pool 1 – DeFi Mutual Insurance Contract
https://m.medishares.net/product/view/id/2

Any DeFi user can buy MDS from Uniswap, then join this pool through Metamask or other Ethereum wallet. The contract will cover below DeFi contracts including MakerDAO, Compound, Uniswap, Aave, Curve.fi

Product to launch:

MutualDAO Market – DeFi Insurance Aggregator

MutualDAO Market will combine price, active users, NFT and will support cross-chain (including ETH, Heco, BSC etc).
With more and more DeFi insurance protocol, user do need a insurance aggregator market that can help to choose the best protocol.

MDS Governance

MutualDAO listed on snapshot, all MDS holder and vote the proposals there
Snapshot is a off-chain, gasless, multi-governance community polling dashboard used by many DeFi projects.

https://snapshot.page/#/mutualdao.eth

Screen Shot 2020-11-27 at 18.30.18

Blockchain Insurance Trends

The first quarter of 2021,DeFi insurance market is super active. Tidel Finance, an alternative insurance market in Polkadot, which has just completed a million-dollar private equity financing in early March, announced that it will conduct IDO on Balancer on the 25th of this month. At the same time, Helmet, an insurance project based on Binance Smart Chain (BSC) also announced that it has acquired strategic investment from Binance, and also announced other public chain token pre-sale platform and NFT option products built through option logic. According to the previous DeFi insurance protocol, InsurAce has also announced that it has completed millions of dollars in strategic financing, and InsurAce has launched the Ethereum Rinkeby testnet.

For decentralized insurance, the key to its operation is the risk sharing mechanism. This is not a new concept that emerged from the development of the DeFi wave and the sharing economy. As early as the 1940s, John von Neumann and Oskar Morgenstern published the "Game Theory and Economic Behavior" and it created a modern theory of risk sharing. They used the idea of restructuring risk to make the expected utility value of risk taker's wealth, and successfully created the Expected Utility Theory. Since then, Arrow in 1953 and Debreu in 1959 proposed General balance analysis under uncertain conditions. Karl Borch published the Arrow‘s equilibrium theory in 1962. The general equilibrium model was introduced and promoted to analyze the problem of risk allocation under uncertain conditions, and proposed Borch's theorem on Pareto optimal risk allocation , which was successfully explained that in reality, how the risk-sharing mechanism works has made a great contribution to the theory of optimal insurance. Since then, Hans Buhlmann and other scholars have done continuous research on this concept.

With the continuous development of the social economy, based on the progress made in related theoretical research, a variety of commercial forms of decentralized insurance have gradually emerged in different national markets, thus replacing the popular online mutual assistance in the Chinese market and etc. In the next episode we will review the development of decentralized insurance in global market.

MDS Token Info

Total: 2,000,000,000
Total Circulating: 1,199,999,624

Data Source:
https://coinmarketcap.com/currencies/medishares/
https://www.feixiaohao.com/currencies/medishares/
http://blog.medishares.org/?p=1965

Exchanges
Huobi: https://www.huobi.vc/zh-cn/exchange/mds_usdt/
Gate: https://www.gateio.life/trade/MDS_USDT
Uniswap: https://app.uniswap.org/#/swap?outputCurrency=0x66186008c1050627f979d464eabb258860563dbe

MDS Telegram Group

https://t.me/medisharesEN

Categories
Uncategorized

项目进度报告 | 2021.3.19

12

Mutual DAO System (MDS) 是世界上第一个基于区块链智能合约的互助系统,通过 DAO 自组织的形式实现更高效的互助保障(互助保险)平台。基于区块链接技术提供相互保障智能合约创建和使用平台,有效降低保障产品的运营成本,同时提供更高的保障资金安全性。MDS 的投资机构包括分布式资本、丹华资本、Fundamental Labs等著名区块链VC。

MDS 的发展离不开社区用户的支持与信任,我们对此表示由衷地感谢。我们专注于项目的长期发展,秉持公正透明的社区原则,以进度报告形式定期展示项目各方面进度,以下为最近一段时间的进度更新报告。

DeFi 合约保险开发

已上线产品:

MDS Mutual Pool 1 – DeFi 合约安全保障互助
https://m.medishares.net/product/view/id/2

Screen Shot 2020-07-21 at 14.18.16
用户可以通过Uniswap购买MDS,并通过任意以太坊钱包参与,保障覆盖如下几个主流的DeFi产品,包括 MakerDAO, Compound, Uniswap, Aave, Curve.fi

即将上线产品:

MutualDAO Market – DeFi 保险产品聚合器

MutualDAO Market 将结合币价、数据、NFT功能,并提供跨链支持(ETH、Heco、BSC等)。
随着 DeFi 保险协议越来越多,市场也随之需要一个能够方便用户快速找到最合适的DeFi保险产品平台。

治理

MutualDAO 上线 snapshot,支持通过 MDS 进行治理投票
https://snapshot.page/#/mutualdao.eth

Screen Shot 2020-11-27 at 18.30.18

区块链保险行业分析

2021年的Q1,DeFi保险领域颇为活跃。3月初刚刚完成百万美元私募融资的波卡生态上的可编程保险市场Tidal Finance宣布将于本月25日在Balancer上进行IDO。与此同时,基于币安智能链(BSC)的保险项目Helmet也宣布获得币安的战略投资,并公布了通过期权逻辑构建的其他公链代币预售平台和NFT期权产品。稍早之前,DeFi保险协议InsurAce也宣布完成了数百万美元的战略融资,并且InsurAce已上线以太坊Rinkeby测试网。

实际上,去中心化保险并不是一个全新事物。对于去中心化保险而言,其运营的关键是风险分摊机制。风险分摊并不是现在随着DeFi热潮和共享经济的发展而出现的新概念,早在上世纪四十年代,冯∙诺依曼(John von Neumann)和摩根斯坦(Oskar Morgenstern)就在《博弈理论与经济行为》中创立了现代的风险分摊理论,他们运用面对风险的当事人最大化其财富的期望效用值的思想,成功的创立了期望效用理论。此后阿罗(Arrow)在1953年,德布鲁(Debreu)在1959年提出了不确定条件下的一般均衡分析,卡尔∙博尔奇(Karl Borch)于1962年将Arrow的一般均衡模型加以推广,用来分析不确定情况下的风险分摊问题,并提出了关于帕累托最优风险分摊的博尔奇定理,成功地解释了在现实当中风险分摊机制是如何运行的,为最优保险理论做出了巨大贡献。此后Hans Buhlmann等学者对这一概念做了持续性研究。

随着社会经济的不断发展,在相关理论研究取得进展的基础上,在不同国家市场上逐步出现了去中心化保险的多种商业形态,比如近年来在中国市场火爆的网络互助等,下一期我们将回顾去中心化保险在世界各地的发展之路。

MDS Token 信息

总量:2,000,000,000
总流通:1,199,999,624

数据来源
https://coinmarketcap.com/currencies/medishares/
https://www.feixiaohao.com/currencies/medishares/
http://blog.medishares.org/?p=1965

交易
Huobi: https://www.huobi.vc/zh-cn/exchange/mds_usdt/
Gate: https://www.gateio.life/trade/MDS_USDT
Uniswap: https://uniswap.mathwallet.xyz/#/swap?outputCurrency=0x66186008c1050627f979d464eabb258860563dbe

扫描二维码加入 MDS 社群

Categories
Uncategorized

Project Update | 2021.1.22

mutualdao13
__
Mutual DAO System (MDS) is the first global mutual aid system based on blockchain & smart contract, which also leverage DAO (Decentralized Autonomous Organization). It combines the traditional mutual insurance model with blockchain and smart contract which provide a low operation cost and guarantee of compensation for risks.

The investment institutions of MDS include well-known blockchain VCs such as Fenbushi Capital, Danhua Capital, Fundamental Labs and etc.

We gratefully thank all the community friends and MDS fans that the project could not go far without your support and trust. MDS project focuses on long-term development, and our community will always follow the principle of fairness and transparency. We biweekly release our project updates in form of the following progress journal:

MDS DeFi Insurance Contract

Launched:

MDS Mutual Pool 1 – DeFi Mutual Insurance Contract
https://m.medishares.net/product/view/id/2

Any DeFi user can buy MDS from Uniswap, then join this pool through Metamask or other Ethereum wallet. The contract will cover below DeFi contracts including MakerDAO, Compound, Uniswap, Aave, Curve.fi

Tech Spec:
MDS 2.0 White Paper –  Mutual DAO
http://blog.medishares.org/?p=1839

Insurances Provide:
Based on the market research result, MutualDAO will focus on below:
MDS Mutual Pool 1 – Smart contract security issue coverage, v2 is in development which will add insurance policy value AMM logic
MDS Mutual Pool 2 – AMM LP token impermanent loss coverage

MutualDAO release DeFi hack event database, which listed the details of 24 security events in DeFi area and will be an important data input for DeFi insurance actuarial
https://www.notion.so/15e714f6743c4c53a753a60532a1db78?v=c998b58b22db44a781d94d23d22d683c

MDS Governance

MutualDAO listed on snapshot, all MDS holder and vote the proposals there
Snapshot is a off-chain, gasless, multi-governance community polling dashboard used by many DeFi projects.

https://snapshot.page/#/mutualdao.eth

Screen Shot 2020-11-27 at 18.30.18

Blockchain Insurance Trends

On 14th December, Hugh Karp the founder of DeFi insurance project Nexus Mutual was targeted and tricked into making transaction on the attacker’s address of Metamask, this resulted in the loss of 370,000 NXM tokens, valued at approximately $8.33 million. On 28th December, Cover Protocol, another star DeFi insurance project, was also exposed to a hacker attack, the hacker used contract bugs to issue more than one trillion tokens and then burned a large number of them. Finally, the attacker sold the tokens in batches through DEX for cash, making a profit of more than 4400 ETH, worth more than 3 million US dollars.

The original intention of DeFi insurance is to provide protection for DeFi project and reduce risk-related loss. However, two popular DeFi insurance projects were frequently attacked by hackers due to their own vulnerabilities, leading to the loss of confidence in DeFi insurance projects, and people even began to question whether DeFi insurance could function as real insurance? This is an issue that all DeFi insurance projects should seriously consider and solve.

At present, more and more DeFi projects with insurance functions or modules are advertised, which has become one of the new direction of DeFi. We believe it is necessary to illustrate the fundamental concepts of insurance so that DeFi players can have a clear understanding of DeFi insurance.

The insurance operates over risk. In traditional insurance theory and practice, risk only refers to the uncertainty of loss. This means that once the risk occurs, it can only be considered as a loss, and there is no chance to gain profit from the risk. In that sense for Nexus Mutual, user could file a claim if the digital assets of the DeFi project it insured were hacked due to a contract bug. The risk of a hacking attack would normally result in the loss of digital assets, rather than the profit for insured person. This is the definition of risk in traditional insurance industry.

In addition, there is another definition of risk, that is, the uncertainty of income. This means the consequences could be losses, gains, or no losses and no gains. For example, the risk of price fluctuation after purchasing BTC, if the price of BTC rise, the buyer will gain profit; if the price drops, the buyer will suffer losses. This type of risk is not included in the business of traditional insurance. In the traditional finance field, financial derivatives such as options are used to hedge the risk of underlying price fluctuations, so this kind of solution is generally categorized under financial derivatives, rather than insurance. The similar example in DeFi is OPYN, which provides risk protection to users through put options to cover the loss from the crypto fluctuation. Strictly speaking, such projects should not be called insurance. In addition, there are market forecast, CDS and other financial models serving the same purpose.

MDS Token Info

Total: 2,000,000,000
Total Circulating: 1,199,999,624

Data Source:
https://coinmarketcap.com/currencies/medishares/
https://www.feixiaohao.com/currencies/medishares/
http://blog.medishares.org/?p=1965

Exchanges
Huobi: https://www.huobi.vc/zh-cn/exchange/mds_usdt/
Gate: https://www.gateio.life/trade/MDS_USDT
Uniswap: https://app.uniswap.org/#/swap?outputCurrency=0x66186008c1050627f979d464eabb258860563dbe

MDS Telegram Group

https://t.me/medisharesEN

Categories
Uncategorized

项目进度报告 | 2021.1.22

mutualdao13

Mutual DAO System (MDS) 是世界上第一个基于区块链智能合约的互助系统,通过 DAO 自组织的形式实现更高效的互助保障(互助保险)平台。基于区块链接技术提供相互保障智能合约创建和使用平台,有效降低保障产品的运营成本,同时提供更高的保障资金安全性。MDS 的投资机构包括分布式资本、丹华资本、Fundamental Labs等著名区块链VC。

MDS 的发展离不开社区用户的支持与信任,我们对此表示由衷地感谢。我们专注于项目的长期发展,秉持公正透明的社区原则,以进度报告形式定期展示项目各方面进度,以下为最近一段时间的进度更新报告。

DeFi 合约保险开发

已上线产品:

MDS Mutual Pool 1 – DeFi 合约安全保障互助
https://m.medishares.net/product/view/id/2

Screen Shot 2020-07-21 at 14.18.16
用户可以通过Uniswap购买MDS,并通过任意以太坊钱包参与,保障覆盖如下几个主流的DeFi产品,包括 MakerDAO, Compound, Uniswap, Aave, Curve.fi

技术方案:
Mutual DAO 2.0 白皮书
http://blog.medishares.org/?p=1805

保险场景覆盖:
根据目前市场调研的结果,目前MDS的保障池开发将主要针对以下两个主要场景
MDS Mutual Pool 1 – 智能合约安全保障合约,新版正在开发中,将加入保单AMM定价逻辑
MDS Mutual Pool 2 – AMM LP token 的无常损失风险保障合约

MutualDAO 发布 DeFi 安全事件数据库
https://www.notion.so/15e714f6743c4c53a753a60532a1db78?v=c998b58b22db44a781d94d23d22d683c
详细统计了总共24起安全事件的详细信息,后续将作为智能合约安全保障合约精算数据的重要输入。

治理

MutualDAO 上线 snapshot,支持通过 MDS 进行治理投票
snapshot是通过签名即可完成的治理投票工具,减少了参与用户的链上手续费,是 DeFi 项目使用最多的以太坊治理工具。

https://snapshot.page/#/mutualdao.eth

Screen Shot 2020-11-27 at 18.30.18

区块链保险行业分析

12月14日,DeFi互助保险项目Nexus Mutual创始人Hugh Karp的钱包地址受到有针对性的攻击,被盗走了37万枚NXM,价值约833万美金。12月28日,另一个崭露头角的DeFi保险项目 Cover Protocol也被爆出遭遇黑客攻击,被利用合约漏洞增发超过万亿代币之后又大量销毁,最后攻击者通过DEX分批卖出代币套现,获利4400多ETH,价值300多万美元。
DeFi保险的初衷是为DeFi项目提供风险保障,降低风险损失。但是连续两个热门DeFi保险项目由于自身漏洞被黑客频频攻击,导致很多人对于DeFi保险项目的信心产生动摇,甚至开始质疑DeFi保险真的保险吗?这是所有DeFi保险项目方应该认真思考和解决的问题。
目前宣传有保险功能或模块的DeFi项目日益增多,俨然已成为DeFi的新赛道之一。在此我们有必要对保险最基本的概念进行回溯,以便DeFi玩家们可以清晰认知这些DeFi保险项目。
保险经营的核心是风险。风险在传统的保险理论与实务中,仅指损失发生的不确定性。这意味着风险一旦发生只能表现为损失,没有从风险中获利的可能性。举例而言,前文提到的Nexus Mutual,一旦所投保的DeFi项目上的数字资产因为合约漏洞被黑客攻击产生损失,就可以申请索赔。黑客攻击的风险,一般只会给投保人带来数字资产的损失,而不会使投保人从中获利。这是传统保险理论的风险范畴。
除此之外,风险还有着另一种定义方式,即指收益的不确定性。这意味着风险产生的结果可能出现损失,也可能获利,或者即无损失也无获利。举例而言,购买BTC后面临的币价波动风险,可能BTC的价格会升高,这时购买者获利,如果价格下跌,则购买者出现损失。这种风险不是保险的业务范畴。在传统金融领域会利用期权等金融衍生工具来对冲标的价格波动的风险,所以针对这种风险的解决方案一般归属于金融衍生品,而非保险。在DeFi里这类的代表项目是Opyn,通过看跌期权为用户提供风险保障来平抑币价的波动。严格地说,这类项目不应该叫做保险。此外,还有预测市场类、CDS等模式也与之类似。

MDS Token 信息

总量:2,000,000,000
总流通:1,199,999,624

数据来源
https://coinmarketcap.com/currencies/medishares/
https://www.feixiaohao.com/currencies/medishares/
http://blog.medishares.org/?p=1965

交易
Huobi: https://www.huobi.vc/zh-cn/exchange/mds_usdt/
Gate: https://www.gateio.life/trade/MDS_USDT
Uniswap: https://uniswap.mathwallet.xyz/#/swap?outputCurrency=0x66186008c1050627f979d464eabb258860563dbe

扫描二维码加入 MDS 社群

Categories
Uncategorized

Project Update | 2020.11.27

MDS11
__
Mutual DAO System (MDS) is the first global mutual aid system based on blockchain & smart contract, which also leverage DAO (Decentralized Autonomous Organization). It combines the traditional mutual insurance model with blockchain and smart contract which provide a low operation cost and guarantee of compensation for risks.

The investment institutions of MDS include well-known blockchain VCs such as Fenbushi Capital, Danhua Capital, Fundamental Labs and etc.

We gratefully thank all the community friends and MDS fans that the project could not go far without your support and trust. MDS project focuses on long-term development, and our community will always follow the principle of fairness and transparency. We biweekly release our project updates in form of the following progress journal:

MDS DeFi Insurance Contract

Launched:

MDS Mutual Pool 1 – DeFi Mutual Insurance Contract
https://m.medishares.net/product/view/id/2

Any DeFi user can buy MDS from Uniswap, then join this pool through Metamask or other Ethereum wallet. The contract will cover below DeFi contracts including MakerDAO, Compound, Uniswap, Aave, Curve.fi

Tech Spec:
MDS 2.0 White Paper –  Mutual DAO
http://blog.medishares.org/?p=1839

Current Limitions:
1 Etherrum gas fee is too high to support the current design.
2 Although we finished the version on EOS, but seems there are not enough assets and active DeFi project to attract large amount of users.

Solution and plan:
MDS Mutual Pool 2 will be development based on Optimistic Ethereum Layer2.
Optimism Ethereum would likely be one of the earliest options available in mainnet , and has already attracted support from the two leading project such as Synthetix and Uniswap and wallet service provider such as Coinbase Wallet and MathWallet.
Optimistim launched Optimistic Virtual Machine(OVM), a fully functional execution environment that is fully compatible with the Ethereum Virtual Machine (EVM). OVM is a copy embedded in EVM that allows developers to use the same developer tools and smart contract language such as EVM when using Optimistic Rollup.
The core team is working on the Pool 2 development and will launch on Optimistic Ethereum testnet soon.

mds

Insurances Provide:
Based on the market research result, MutualDAO will focus on below:
MDS Mutual Pool 1 – Smart contract security issue coverage
MDS Mutual Pool 2 – AMM LP token impermanent loss coverage

MDS Governance

MutualDAO listed on snapshot, all MDS holder and vote the proposals there
Snapshot is a off-chain, gasless, multi-governance community polling dashboard used by many DeFi projects.

Screen Shot 2020-11-27 at 18.30.18

https://snapshot.page/#/mutualdao.eth

The current in discussion proposal includes if Pool 1 should cover Compound oracle attack on Nov 26.

MDS Token Info

Total: 2,000,000,000
Total Circulating: 1,199,999,624

Data Source:
https://coinmarketcap.com/currencies/medishares/
https://www.feixiaohao.com/currencies/medishares/
http://blog.medishares.org/?p=1965

Exchanges
Huobi: https://www.huobi.vc/zh-cn/exchange/mds_usdt/
Gate: https://www.gateio.life/trade/MDS_USDT
Uniswap: https://app.uniswap.org/#/swap?outputCurrency=0x66186008c1050627f979d464eabb258860563dbe

MDS Telegram Group

https://t.me/medisharesEN

Categories
Uncategorized

项目进度报告 | 2020.11.27

MDS11

Mutual DAO System (MDS) 是世界上第一个基于区块链智能合约的互助系统,通过 DAO 自组织的形式实现更高效的互助保障(互助保险)平台。基于区块链接技术提供相互保障智能合约创建和使用平台,有效降低保障产品的运营成本,同时提供更高的保障资金安全性。MDS 的投资机构包括分布式资本、丹华资本、Fundamental Labs等著名区块链VC。

MDS 的发展离不开社区用户的支持与信任,我们对此表示由衷地感谢。我们专注于项目的长期发展,秉持公正透明的社区原则,以进度报告形式定期展示项目各方面进度,以下为最近一段时间的进度更新报告。

DeFi 合约保险开发

已上线产品:

MDS Mutual Pool 1 – DeFi 合约安全保障互助
https://m.medishares.net/product/view/id/2

Screen Shot 2020-07-21 at 14.18.16
用户可以通过Uniswap购买MDS,并通过任意以太坊钱包参与,保障覆盖如下几个主流的DeFi产品,包括 MakerDAO, Compound, Uniswap, Aave, Curve.fi

技术方案:
Mutual DAO 2.0 白皮书
http://blog.medishares.org/?p=1805

目前的限制:
均摊算法以太坊1.0的手续费较高,限制了一些场景的使用。
虽然已完成其他链的版本,但因为目前其它公链缺少活跃资产以及DeFi产品,所以暂无法吸引足够的用户使用(EOS主网版本: https://eos.mutualdao.org )。

解决方案和技术路线:
目前 MDS Mutual Pool 2 的开发将主要基于 Optimistic Ethereum Layer2 方案。
Optimism Ethereum 可能会是最早上主网的方案之一,已经吸引 Synthetix 和 Uniswap 这两个头部项目和 Coinbase Wallet、MathWallet钱包的支持。
Optimism 推出了功能完备、与以太坊虚拟机 (EVM)兼容的执行环境 Optimistic Virtual Machine(OVM) 。OVM 是嵌入在 EVM 中的副本,允许开发者使用 Optimistic Rollup 时,可使用和 EVM 相同的开发者工具集和智能合约语言。
目前团队正在重点进行Pool2基于Optimistic Ethereum版本的开发,预计很快会在Optimistic Ethereum测试网与大家见面。

mds

保险场景覆盖:
根据目前市场调研的结果,目前MDS的保障池开发将主要针对以下两个主要场景
MDS Mutual Pool 1 – 智能合约安全保障合约
MDS Mutual Pool 2 – AMM LP token 的无常损失风险保障合约

治理

MutualDAO 上线 snapshot,支持通过 MDS 进行治理投票
snapshot是通过签名即可完成的治理投票工具,减少了参与用户的链上手续费,是 DeFi 项目使用最多的以太坊治理工具。

Screen Shot 2020-11-27 at 18.30.18

https://snapshot.page/#/mutualdao.eth
目前已发起的治理讨论包括了 DeFi 合约安全保障互助MDS01池是否应该 cover 11月26日 Compound 的预言机攻击等。

MDS Token 信息

总量:2,000,000,000
总流通:1,199,999,624

数据来源
https://coinmarketcap.com/currencies/medishares/
https://www.feixiaohao.com/currencies/medishares/
http://blog.medishares.org/?p=1965

交易
Huobi: https://www.huobi.vc/zh-cn/exchange/mds_usdt/
Gate: https://www.gateio.life/trade/MDS_USDT
Uniswap: https://uniswap.mathwallet.xyz/#/swap?outputCurrency=0x66186008c1050627f979d464eabb258860563dbe

扫描二维码加入 MDS 社群

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MDS拓荒DeFi保险

原文:蓝狐笔记
https://mp.weixin.qq.com/s/HsLNg8jbD9YcEOoGCxgrZQ

前言:DeFi保险是DeFi发展过程中的重要组成部分。有了DeFi保险,DeFi才有足够的发展韧性。Nexus Mutual为DeFi协议提供了智能合约的保险,而YFI也在计划入局。由于DeFi保险协议本身也是智能合约,Defi领域需要更多的保险服务提供者,为DeFi发展提供保护,MDS也是最新入局DeFi保险的协议之一。本文来自于MDS的投稿。

阿尔文•托夫勒在《未来的冲击》一书中提到,“世界上没有一种绝对的方法可以衡量变革。在瞬息万变的宇宙中,每个社会都同时有无数的变革之流在躁动着。从最细微的病原体到最巨大的银河系,一切‘事物’都不是其本身,而是种种变革过程而已。”

诚如当下如火如荼备受追捧的DeFi,也身处变革之流中。

追随者视之为未来金融的基石,通向未来金融世界的大门。于是乎,去中心化借贷、去中心化交易所、去中心化稳定币、去中心化衍生品、去中心化保险、去中心化身份ID等争相面世。

诟病者则认为,DeFi开放式金融还有待验证,跟传统金融CeFi之间还有巨大的鸿沟。

尽管褒贬不一,但不可否认的是,整个DeFi生态链已经初具规模,参与者们正在用事实来证明DeFi的前景。

DeFi的前世今生

从Finance到Finance Technology,再到今天的Decentralized Finance(DeFi),传统的中心化金融服务已经经历过了一轮金融科技浪潮的洗礼,继而催生了今天在行业领域内被广泛认知的DeFi——去中心化金融,亦或称开放式金融。

众所周知,根据经营对象和方式的不同,传统金融机构一般分为银行、证券公司、保险公司、信托公司、投资基金、资产管理公司等,各种金融机构之间通过信息链接和资产交易形成一个完整的金融服务闭环。

到了FinTech阶段,得益于从PC到移动端服务的变革升级,以及从社交到购物、出行、餐饮、三方支付等各种大数据与云计算、人工智能的聚合,金融科技一度占据了国民金融服务的C位。支付宝、财付通,陆金所,招联消金、智能投顾以及P2P等服务形式也相继走上历史舞台,成为金融领域的重要参与者。

较之于DeFi,前两者都是一个需要在中心化组织、政策允许及监管下运行的金融服务阶段。而DeFi的出现,在区块链技术的加持下,成为了一种全新的金融服务范式。

相对于传统金融和金融科技来说,DeFi最大特点在于软件开源、规则透明及无需中心化机构准入,因此可以实现更低的运营成本、更高的资源配置效率及更大范围的普惠金融。而从从金融功能本身来看,开放式金融也将更有利于实现便利清算和支付、聚集和分配资源及风险分散等核心金融功能。

回过头来看,自2018年DeFi概念被提出以来,已经逐步萌发了DeFi基础设施、资产、抵押、稳定币、数据服务、支付与借贷、资产、DEX&DAO、衍生品与保险等各种服务形式。围绕着ETH、EOS等公链,则出现了MakerDao、Uniswap、Compound、 Balancer、Curve、Synthetix、Aave等DeFi行业的先行者。

当下,新鲜血液们也正在涌入DeFi世界。

MDS拓荒DeFi

作为DeFi领域新晋小生,MDS(Mutual DAO System)算是个新面孔。但追溯历史不难发现,MDS前身一直在围绕着“区块链+互助保障(互助保险)”布局相关业务。

此次,MDS升级到全新的Mutual DAO System品牌,可以说是实现了从“区块链+互助保障(互助保险)”1.0版本到2.0版本的跨越式升级。

一方面,完成了从应用到平台的升级。在早期阶段的MDS还是一个去中心化保险的初级阶段,在互助产品发布及服务用户群体等方面相对单一。升级到Mutual DAO System后的MDS,将以底层平台的角色为广大用户提供服务,任何人,任何组织(社群)都可以在MDS平台上自主发起相应的细分互助计划。

第二方面,在DAO原则下,MDS(Mutual DAO System)的灵活度、自治度、服务范围等都上升到一个新高度。

在DAO自组织智能合约下,真正的实现了让组织属于网络,人人都拥有自己的话语权,对组织的发展有着相对应的影响力。也即是说,在Mutual DAO System平台上,每个人除了可以自由发起互助计划并设定初始参数、互助范围外,还将享有参与互助计划的系统治理、履行互助义务以及获得通证分红的各种权益。


(MDS DAO结构示意图)

值得一提的是,相较于传统的互联网互助平台,如支付宝的相互宝等而言,MDS(Mutual DAO System)通过分布式账本技术及DAO自组织智能合约,解决了传统互助系统运营和信任成本相对较高、资金管理存在中心化风险、无法支持更细分互助需求的痛点。

在区块链技术的加持下,MDS的分布式账本提高了交易的透明度以及可审查性,并通过代码提高了灵活度、标准化以及风险的相对隔离。进而实现了数据的全网节点共享、复制及同步数据库,提高了交易的透明化程度,增强了交易后的可追溯性和可审查性,从技术到实际操作层面,切实提高了监管的效率,降低了审查阻力,实现了自治组织成员对所参与自治互助计划的穿透式监管。

MDS的无边界探索及坚守

目前,整个DeFi行业围绕着基础设施、资产、抵押、稳定币、数据服务、支付与借贷、资产、DEX&DAO、衍生品与保险等进行了诸多布局。

而在Mutual DAO System官网上,社区自治互助系统、DeFi合约安全保障、数字资产账户安全保障合约、MDS CITY、RiskExchange、转账超时保障合约等产品赫然在列。

广义层面上看,MDS这些产品覆盖了DeFi行业的资产、衍生品、保险等领域。但按照团队的未来规划来说,切入DeFi行业的“区块链+保险”才是团队的重中之重。

风险无处不在,我们可以标记它们并使其可交易吗?基于这个思考,团队上线了基于EOS的风险交易平台RiskExange, RiskExchange也是EOS生态上第一个风险保障DAPP。

不同于最近在DeFi保险领域大火,价格已经突破万元美金门槛的FYI,其始于借贷聚合身份再跳转到如今聚焦于数字资产保险服务的角色,MDS更加聚焦于自己从创始之初以来就在从事的去中心化保险业务。

就平台和产品运营原理而言,YFI和MDS(Mutual DAO System)有着去中心化、用户自主发起自主运营等相同点。

但就产品细分服务领域而言,MDS则将自己定位为一个基于区块链的自治互助系统平台,并且将精力更多的放在偏向于“区块链+人身保险”、“区块链+疾病保险”、“区块链+意外事故保险”领域。

在传统保险领域,诸如中国平安、中国人寿、法国安盛、德国安联、友邦保险、英国保诚等等已经撑起了十万亿级别的传统保险市场。

而如今,随着区块链加密技术扩展到所有金融和互联网领域应用,去中心化保险也将有机会成为支持更广泛的数字经济的关键服务,在未来支撑起数以万亿美元计的保险市场规模。

MDS的未来猜想

坐拥DAO、DeFi和保险三重身份的MDS(Mutual DAO System),将会迸发多大的价值?

先从保险起源说起。

在传统保险行业,为了解决资金信任问题,保险公司需要花费很多不必要的成本,如品牌建设、营销推广、办公场地等费用都会转嫁到投保人身上。以健康险为例,目前我国购买健康险的人数比例很低,最大的原因是“贵”。此外,现在的保险业还存在运营效率低、客户隐私保护隐患、拒赔概率高等问题。

而区块链去中心化、不可篡改等特性却能很好地解决传统保险存在的各种问题,进一步降低了信任成本,从而降低了参与互助保障的门槛,加上智能合约的使用,保险业的历史有望被改写。

同时,DAO这种自治组织形式的运用,将使得区块链保险服务能够在智能合约的运行下帮助用户实现自组织,自治理。

于DeFi领域而言,MDS(Mutual DAO System)是一个高效的去中心化互助保障系统。基于区块链和DAO的服务形式,使得用户将可以自主自治的在平台上发起各种互助计划,实现群体间更加细分的,有共识性的互保互助。

于保险市场而言,MDS(Mutual DAO System)将通过在区块链领域的探索,成为传统保险及互联网保险及互助保障的重要补充。同时,MDS也将有能力充当搭建传统保险跟去中心化保险合作沟通桥梁的角色,同时不断推动传统保险逐步实现“链改”,为未来真正的数字化保险提供坚实的平台化服务。

在区块链红利不断释放的今天,“地球村”式的协作以及服务共享已经触手可及。MDS(Mutual DAO System)对全球用户开放,并用区块链完成平台上相关互助计划的赔付和清算的视野,有望推动MDS成为DeFi领域快速发展的黑马。

正如MDS项目白皮书中所言:“ 作为世界上第一个相互保障合约市场,Mutual DAO System将继续坚守自己是基于区块链技术提供相互保障智能合约创建和使用平台的定位,并不断通过完善区块链技术及DAO智能合约,从而实现有效降低保障产品的运营成本,同时提供更高的保障资金安全性。”

DeFi世界的大门已经打开,MDS手握通向未来的钥匙。

从传统保险到互联网保险、互助保障,再到如今聚焦DeFi领域的去中心化保险,MDS的探索之路仍在继续。

Categories
Uncategorized

Project Update | 2020.08.12

15
__
Mutual DAO System (MDS) is the first global mutual aid system based on blockchain & smart contract, which also leverage DAO (Decentralized Autonomous Organization). It combines the traditional mutual insurance model with blockchain and smart contract which provide a low operation cost and guarantee of compensation for risks.

The investment institutions of MDS include well-known blockchain VCs such as Fenbushi Capital, Danhua Capital, Fundamental Labs and etc.

We gratefully thank all the community friends and MDS fans that the project could not go far without your support and trust. MDS project focuses on long-term development, and our community will always follow the principle of fairness and transparency. We biweekly release our project updates in form of the following progress journal:

MDS Branding Upgrade

We decide to upgrade from 'MediShares' to 'Mutual DAO System' to expand the coverage of MDS application scene. We will not only leverage smart contract mutual aid model cover Medical payament, but also expand to DeFi, Open Finance, Crypto Payment, etc.

MDS symbol name will remain the same.

The usage of MDS will also expand to insurance pool, AMM reward on uniswap and balancer, and governance of Mutual DAO.

MDS DeFi Insurance Contract

We launched DeFi Mutual Insurance Contract MDS01 Pool
https://m.medishares.net/product/view/id/2

Any DeFi user can buy MDS from Uniswap, then join this pool through Metamask or other Ethereum wallet. The contract will cover below DeFi contracts.

The highest contract risk coverage is 100,000 MDS.

Also we are design DeFi Mutual Insurance Contract DAI02 Pool, which is able to provide fiat-stable insured amount. More detail will come soon. Please stay tuned.

The mutual dao contract EOS version is also in testing:
https://eos.mutualdao.org

MDS on Uniswap

MDS-ETH pair launched on Uniswap:
https://app.uniswap.org/#/swap?outputCurrency=0x66186008c1050627f979d464eabb258860563dbe

You can buy MDS through Uniswap in any wallet, and join MDS01 DeFi Insurance Pool.

MDS Token Info

Total: 2,000,000,000
Total Circulating: 742,999,401

Data Source:
https://coinmarketcap.com/currencies/medishares/
https://www.feixiaohao.com/currencies/medishares/
http://blog.medishares.org/?p=1965
http://explorer.mathwallet.org

Exchanges
Huobi: https://www.huobi.vc/zh-cn/exchange/mds_usdt/
Gate: https://www.gateio.life/trade/MDS_USDT
Uniswap: https://app.uniswap.org/#/swap?outputCurrency=0x66186008c1050627f979d464eabb258860563dbe

MDS Telegram Group

https://t.me/medisharesEN

Categories
Uncategorized

项目进度报告 | 2020.08.12

15

Mutual DAO System (MDS) 是世界上第一个基于区块链智能合约的互助系统,通过 DAO 自组织的形式实现更高效的互助保障(互助保险)平台。基于区块链接技术提供相互保障智能合约创建和使用平台,有效降低保障产品的运营成本,同时提供更高的保障资金安全性。MDS 的投资机构包括分布式资本、丹华资本、Fundamental Labs等著名区块链VC。

MDS 的发展离不开社区用户的支持与信任,我们对此表示由衷地感谢。我们专注于项目的长期发展,秉持公正透明的社区原则,以进度报告形式定期展示项目各方面进度,以下为最近一段时间的进度更新报告。

MDS 品牌升级

根据区块链保险的当前趋势和变化,MDS正式将之前的 'MediShares' 品牌,升级为全新的 'Mutual DAO System'。
MDS的通证名称保持不变。
本次升级将拓展 MDS 的边界到更广的疆域,通过区块链互助保险的底层逻辑,服务于DeFi、开放金融、数字货币支付等更多应用场景。

MDS后续使用场景除了互助保险池外,还会利用Balancer矿池来激励市场流动性,以及Staking抵押MDS参与治理机制。

DeFi 合约保险开发

MDS 最新上线了 DeFi 合约安全保障互助MDS01池
https://m.medishares.net/product/view/id/2

Screen Shot 2020-07-21 at 14.18.16

用户可以通过Uniswap购买MDS,并通过任意以太坊钱包参与,保障覆盖如下几个主流的DeFi产品

目前最高保额是 100,000 MDS。

同时,我们正在设计开发 DeFi 合约安全保障互助DAI02池,能够提供更稳定的赔付金额。
后续我们会发布具体的产品设计和更多保险智能合约设计的逻辑细节。

另外基于 EOS 的 MutualDAO 合约也已上线测试:
https://eos.mutualdao.org

MDS 上线 Uniswap

MDS 已上线 Uniswap 交易
https://uniswap.mathwallet.xyz/#/swap?outputCurrency=0x66186008c1050627f979d464eabb258860563dbe

用户可以在以太坊去中心化钱包中通过 Uniswap 获得 MDS 参与MDS01池 DeFi 合约保险产品。

MDS Token 信息

总量:2,000,000,000
总流通:742,999,401

数据来源
https://coinmarketcap.com/currencies/medishares/
https://www.feixiaohao.com/currencies/medishares/
http://blog.medishares.org/?p=1965
http://explorer.mathwallet.org

交易
Huobi: https://www.huobi.vc/zh-cn/exchange/mds_usdt/
Gate: https://www.gateio.life/trade/MDS_USDT
Uniswap: https://uniswap.mathwallet.xyz/#/swap?outputCurrency=0x66186008c1050627f979d464eabb258860563dbe

扫描二维码加入 MDS 社群

Categories
Uncategorized

Project Update | 2020.07.21

week9
__
MDS is the first global mutual insurance marketplace on the blockchain. It combines the traditional mutual insurance model with blockchain and smart contract which provide a low operation cost and guarantee of compensation for risks.

We gratefully thank all the community friends and MDS fans that the project could not go far without your support and trust. MediShares project focuses on long-term development, and our community will always follow the principle of fairness and transparency. We biweekly release our project updates in form of the following progress journal:

Mutual DAO Protocol

We have joined the EOS Hackathon 2020 and get listed a one of the best projects in this event

MutualDAO DEMO:
https://youtu.be/oNH7aGDF3L0

EOS Hackathon 2020:
https://devpost.com/software/mutualdao
https://hackathon.eos.io/events/coding-for-change/

[What did you build?]
We built Mutual DAO, which is a mutual aid smart contract on the EOS blockchain. It combines the traditional mutual insurance model with blockchain smart contract. It provides a low operation cost and guarantee of compensation for risks.

[What inspired you to build it?]
The worsening of health risk, together with increasing medical cost, insurance is important than ever.
But the operating and trust costs of traditional insurance are very high, we need a better insurance model for everyone in the world.

Combine the traditional mutual insurance with blockchain technology, we think smart contract based mutual aid can make change in this space.

MutualDAO at EOS Mainnet
http://mutualdao.org

MediShares Mutual Aid
http://mutualdao.org/#/projectDetail?id=5

Mutual DAO Whitepaper
http://blog.medishares.org/?p=1839

Open source mutual aid smart contract code:
https://github.com/MediShares/mds-mutual-aid-dao-eos

Guide of create a Mutual DAO contract
http://blog.medishares.org/?p=2156

Mutual Aid DAO System Operation Guide
http://blog.medishares.org/?p=2108

Questions about Mutual DAO
http://blog.medishares.org/?p=2208

MDS DeFi Protect Contract

We are working on a new Mutual Project for DeFi Protect.
As we all know, there are many DeFi projects in the market and there are higher security risks for the DeFi users. The needs for a De-Insurance seems to be more and more urgent. MDS DeFi Protect Contract will focus on this area leverage our experience in mutual insurance & DAO contracts.
Please stay tuned.

Airdrop 10 Million EMDS, Build Mutual Aid on Chain

空投EMDS_en

How to claim free EMDS MutualDAO airdrop
http://blog.medishares.org/?p=2197

MediShares Chain

MediShares Chain testnet is in progress of developemnt, and the source code will be release in repo:
https://github.com/MediShares/medishares-chain-testnet

MDS Token Info

Total: 2,000,000,000
Total Circulating: 742,999,401
Lockdrop: 361,205,413
VPOS Pool: 145,770,231
Actual Circulating: 236,023,757

Data Source:
https://coinmarketcap.com/currencies/medishares/
https://www.feixiaohao.com/currencies/medishares/
http://blog.medishares.org/?p=1965
http://explorer.mathwallet.org

Exchanges
Huobi: https://www.huobi.vc/zh-cn/exchange/mds_usdt/
Gate: https://www.gateio.life/trade/MDS_USDT
CEX: https://cex.plus/market/mds_usdt
FUBT: https://www.fubt.com/#/TradeCenter/mdsusdt
Newdex: https://newdex.vip/trade/medisharesbp-emds-eos

MDS Telegram Group

https://t.me/medisharesEN

Categories
Uncategorized

项目进度报告 | 2020.07.21

report

MDS 是世界上第一个相互保障合约市场,基于区块链接技术提供相互保障智能合约创建和使用平台,有效降低保障产品的运营成本,同时提供更高的保障资金安全性。

MDS 的发展离不开社区用户的支持与信任,我们对此表示由衷地感谢。我们专注于项目的长期发展,秉持公正透明的社区原则,以进度报告形式定期展示项目各方面进度,以下为最近一段时间的进度更新报告。

Mutual DAO 协议开发进度

MDS MutualDAO 参与 EOS Hackathon 2020 并获得优秀项目奖

MutualDAO DEMO视频地址:
https://youtu.be/oNH7aGDF3L0

EOS Hackathon 2020:
https://devpost.com/software/mutualdao
https://hackathon.eos.io/events/coding-for-change/

Screen Shot 2020-06-15 at 14.38.00

DeFi 合约保险开发进度

MDS 正在测试 DeFi 合约保险产品。

随着流动性挖矿越来越火热,越来越多的 DeFi 项目开始加入收益耕种(即「流动性挖矿」)大军,DeFi 链上锁仓总值大幅增长。随之而来的是投资者对不断增长的安全风险的担忧。
数据显示,仅在今年过去的大半年中,最少发生了 10 起黑客事件,导致本就数量寥寥的 DeFi 用户损失大量资金。随着流动性挖矿的增长,DeFi 保险业务成为 DeFi 投资者十分迫切的需求,也成为备受关注的 DeFi 细分赛道。

MDS 将使用互助保险 + DAO 的模式解决 DeFi 合约保险需求,感兴趣的用户请保持关注。

空投 1000万 EMDS,共享链上大病保障

如何领取免费的 EMDS 保障
http://blog.medishares.org/?p=2193

MediShares Chain

目前 MediShares Chain 测试网正在开发中,所有代码将在下面的仓库中更新:
https://github.com/MediShares/medishares-chain-testnet

MDS Token 信息

总量:2,000,000,000
总流通:742,999,401
Lockdrop锁仓:361,205,413
VPOS矿池锁仓:145,770,231
实际流通:236,023,757

数据来源
https://coinmarketcap.com/currencies/medishares/
https://www.feixiaohao.com/currencies/medishares/
http://blog.medishares.org/?p=1965
http://explorer.mathwallet.org

交易
Huobi: https://www.huobi.vc/zh-cn/exchange/mds_usdt/
Gate: https://www.gateio.life/trade/MDS_USDT
CEX: https://cex.plus/market/mds_usdt
FUBT: https://www.fubt.com/#/TradeCenter/mdsusdt
Newdex: https://newdex.vip/trade/medisharesbp-emds-eos

扫描二维码加入 MDS 社群

Categories
Uncategorized

Project Update | 2020.05.18

week9
__
MDS is the first global mutual insurance marketplace on the blockchain. It combines the traditional mutual insurance model with blockchain and smart contract which provide a low operation cost and guarantee of compensation for risks.

We gratefully thank all the community friends and MDS fans that the project could not go far without your support and trust. MediShares project focuses on long-term development, and our community will always follow the principle of fairness and transparency. We biweekly release our project updates in form of the following progress journal:

Mutual DAO Protocol

MutualDAO at EOS Mainnet
http://mutualdao.org

MediShares Mutual Aid
http://mutualdao.org/#/projectDetail?id=5

Mutual DAO Whitepaper
http://blog.medishares.org/?p=1839

Open source mutual aid smart contract code:
https://github.com/MediShares/mds-mutual-aid-dao-eos

Guide of create a Mutual DAO contract
http://blog.medishares.org/?p=2156

Mutual Aid DAO System Operation Guide
http://blog.medishares.org/?p=2108

Questions about Mutual DAO
http://blog.medishares.org/?p=2208

Airdrop 10 Million EMDS, Build Mutual Aid on Chain

空投EMDS_en

How to claim free EMDS MutualDAO airdrop
http://blog.medishares.org/?p=2197

MediShares Chain

MediShares Chain testnet is in progress of developemnt, and the source code will be release in repo:
https://github.com/MediShares/medishares-chain-testnet

MDS Token Info

Total: 2,000,000,000
Total Circulating: 742,999,401
Lockdrop: 361,205,413
VPOS Pool: 145,770,231
Actual Circulating: 236,023,757

Data Source:
https://coinmarketcap.com/currencies/medishares/
https://www.feixiaohao.com/currencies/medishares/
http://blog.medishares.org/?p=1965
http://explorer.mathwallet.org

Exchanges
Huobi: https://www.huobi.vc/zh-cn/exchange/mds_usdt/
Gate: https://www.gateio.life/trade/MDS_USDT
CEX: https://cex.plus/market/mds_usdt
FUBT: https://www.fubt.com/#/TradeCenter/mdsusdt
Newdex: https://newdex.vip/trade/medisharesbp-emds-eos

MDS Telegram Group

https://t.me/medisharesEN

Categories
Uncategorized

[Code for Change] MediShares Mutual DAO

Inspiration

The worsening of health risk, together with increasing medical cost, makes mutual aid a service in great demand by everybody in the world.
The operating and trust costs of traditional insurance are still relatively high, the capital management has a centralized risk, and it is unable to provide more subdivided mutual aid needs.
Based on the tradition mutual insurance model and combine with blockchain smart contract, we think blockchain based mutual aid can make change in this space.

What it does

It is the global mutual aid smart contract on the blockchain. It combines the traditional mutual insurance model with blockchain and smart contract + DAO which provide a low operation cost and guarantee of compensation for risks.

How I built it

We built the system on EOSIO, and below is the system structure:

DAO workflow:

Detail design can be reviewed in below whitepaper:
http://blog.medishares.org/?p=1839

Challenges I ran into

Blockchain-based mutual aid system is limited by the transaction cost of the public chain.
It also need to effectively reduce the operating cost and provide attractive incentives for members to acquire new users and to be involved in community governance.

Accomplishments that I'm proud of

EOSIO can solve the transaction cost of blockchain-based mutual aid system. It will effectively reduce the operating cost and the smart contract will provide attractive incentives for members to acquire new users and to be involved in community governance.

The smart contract code is open source in the repo below
https://github.com/MediShares/mds-mutual-aid-dao-eos

Any one can leverage the code to create a new mutual aid contract
http://blog.medishares.org/?p=2156

What I learned

Coding EOS Smart Contract
Coding dApp frontend
Design the DAO model for mutual aid governance

What's next for MutualDAO

With the improvement of data on the chain, Oracle could be used in mutual aid review protocol as a data dimension in the future, providing more accurate analysis and improving system efficiency.

The system is also suitable for all non-profit organizations as the token donation model and will be an important direction of the smart contract + DAO model.

We believe that the blockchain will bring more inclusive protection product to the world.

Categories
Uncategorized

Questions about Mutual DAO

1 What is DAO?

A Decentralized Autonomous Organization (or DAO) is a new type of organization that attempts to coordinate group activity and utilizes some form of “on-chain” governance. This is achieved through placing a variety of standard organizational functions into smart contracts, such as multiple signatures required for fund distribution, a process for creating, debating, and approving or denying proposals, and a recorded voting system.

2 What is Mutual DAO?

Mutual DAO is a new mutual aid system design based on blockchain & smart contract, which based on DAO (Decentralized Autonomous Organization).

3 Mutual DAO Process Flow

Screen Shot 2019-12-11 at 17.05.27

4 Mutual DAO's Target

Combines the traditional mutual insurance model with blockchain and smart contract, Mutual DAO can provide a low operation cost and guarantee of compensation for risks.

We believe that the blockchain will bring more inclusive protection product to the world.

Categories
Uncategorized

关于 Mutual DAO 的问答

1 DAO 是什么?

去中心化自治组织(DAO)是一种新型的组织,它试图协调小组活动并利用某种形式的“链上”治理。这是通过将各种标准组织功能放入智能合约中来实现的,例如,资金分配所需的多个签名,创建,辩论和批准或拒绝提案的过程以及记录的投票系统。

2 Mutual DAO 是什么?

Mutual DAO 是一种新的基于区块链智能合约的互助系统设计,通过 DAO 自组织的形式实现更高效的互助保障(互助保险)平台。
http://blog.medishares.org/?p=1805

3 Mutual DAO 的流程图

4 Mutual DAO 的愿景

基于区块链技术提供相互保障智能合约创建和使用平台,有效降低保障产品的运营成本,同时提供更高的保障资金安全性。
MDS 坚信区块链将给世界带来更普惠的保障产品。

Categories
Uncategorized

项目进度报告 | 2020.05.18

week9

MDS 是世界上第一个相互保障合约市场,基于区块链接技术提供相互保障智能合约创建和使用平台,有效降低保障产品的运营成本,同时提供更高的保障资金安全性。

MDS 的发展离不开社区用户的支持与信任,我们对此表示由衷地感谢。我们专注于项目的长期发展,秉持公正透明的社区原则,以进度报告形式定期展示项目各方面进度,以下为最近一段时间的进度更新报告。

Mutual DAO 协议开发进度

MutualDAO EOS版正式上线
http://mutualdao.org

MediShares Mutual Aid (抗癌互助)
http://mutualdao.org/#/projectDetail?id=5

Mutual DAO 白皮书
http://blog.medishares.org/?p=1805

合约代码开源地址:
https://github.com/MediShares/mds-mutual-aid-dao-eos

手把手教你创建一个自定义的互助保险
http://blog.medishares.org/?p=2153

MutualDAO互助DAO系统操作指南
http://blog.medishares.org/?p=2094

关于 Mutual DAO 的问答
http://blog.medishares.org/?p=2206

空投 1000万 EMDS,共享链上大病保障

如何领取免费的 EMDS 保障
http://blog.medishares.org/?p=2193

MediShares Chain

目前 MediShares Chain 测试网正在开发中,所有代码将在下面的仓库中更新:
https://github.com/MediShares/medishares-chain-testnet

MDS Token 信息

总量:2,000,000,000
总流通:742,999,401
Lockdrop锁仓:361,205,413
VPOS矿池锁仓:145,770,231
实际流通:236,023,757

数据来源
https://coinmarketcap.com/currencies/medishares/
https://www.feixiaohao.com/currencies/medishares/
http://blog.medishares.org/?p=1965
http://explorer.mathwallet.org

交易
Huobi: https://www.huobi.vc/zh-cn/exchange/mds_usdt/
Gate: https://www.gateio.life/trade/MDS_USDT
CEX: https://cex.plus/market/mds_usdt
FUBT: https://www.fubt.com/#/TradeCenter/mdsusdt
Newdex: https://newdex.vip/trade/medisharesbp-emds-eos

扫描二维码加入 MDS 社群

Categories
Uncategorized

How to claim free EMDS MutualDAO airdrop

1 Download and create EOS wallet

Download MathWallet
https://mathwallet.org

Create/import EOS wallet
http://blog.mathwallet.org/?p=283

2 Find DAPP -【Insurance】-【Get EMDS Mutual Insurance】

You will need to complete the Identity Verification (KYC) first. This is important when you claim the mutual aid insurance.

After the KYC has been verified, go back to 【Get EMDS Mutual Insurance】dApp and you can click ‘Claim’

3 Check your EMDS in MutualDAO

Find DAPP -【Insurance】-【MutualDAO】, and you will find you have EMDS in the MutualDAO pool now.

Mutual Aid DAO System Operation Guide
http://blog.medishares.org/?p=2108

Any questions, please join our telegram group:
https://t.me/medisharesEN

Categories
Uncategorized

如何领取免费的 EMDS 保障

1 下载并创建 EOS 钱包

下载麦子钱包
http://mathwallet.org

创建或导入 EOS 钱包
http://blog.mathwallet.net/?p=836

2 进入【保险】-【领取MutualDAO保障】应用

如果你还未在麦子钱包中完成实名认证,你需要先完成这一步

完成实名认证并通过审核后,回到【领取MutualDAO保障】应用,即可点击领取。

3 进入 MutualDAO 查看保障

进入麦子钱包的应用列表【保险】-【MutualDAO】即可查看领取到的保障和EMDS了

MutualDAO的操作可以查看下面的文章
http://blog.medishares.org/?p=2094

如您有任何问题,欢迎扫描二维码加入 MDS 社群

https://t.me/medisharesCN

Categories
Uncategorized

Project Update | 2020.03.17

weekly8

MDS is the first global mutual insurance marketplace on the blockchain. It combines the traditional mutual insurance model with blockchain and smart contract which provide a low operation cost and guarantee of compensation for risks.

We gratefully thank all the community friends and MDS fans that the project could not go far without your support and trust. MediShares project focuses on long-term development, and our community will always follow the principle of fairness and transparency. We biweekly release our project updates in form of the following progress journal:

Mutual DAO Protocol

Mutual DAO EOS mainnet version launched: http://mutualdao.org

MutualDAO Anticancer Mutual Aid Program launched:
http://mutualdao.org/#/projectDetail?id=5

Mutual DAO Whitepaper
http://blog.medishares.org/?p=1839

Open source mutual aid smart contract code:
https://github.com/MediShares/mds-mutual-aid-dao-eos

MutualDAO Anticancer Mutual Aid Program

Please use the EOS account which binding with your KYC data already. You can complete is through Voice.com or MathWallet.org

Anticancer Mutual Aid Participate Rules

Definition
Observation Period
As the commercial insurance did, we set up the observation period to avoid fraud behaviors.
Publicity Period
Each month we collect the mutual aid events, and calculate the mutual aid fee and the share that members need to pay, then putting them on the website. So that the other members could know whom their share is helping. The publicity period usually will be 7 days.

Participate Rules of Anticancer Mutual Aid Program
When joining the Anticancer Mutual Aid Programs, you should
1. Be at the age of 0-60 years old
2. Be physically healthy

Details of Anticancer Mutual Aid program privilege are as follows
1. Since the users taken part in the program, the privilege valid 180 days later.
2. When someone in the program suffer from one of the cancer diseases in the list.

When one of the following situations occurs, the member will quite the program automatically
1. Death
2. Reaching the age of 61
3. The mutual aid fee is fully given
4. The balance of personal account is less than 0

When one of the following situations occurs, the member will not have the privilege
1. Self-mutilation or suicide
2. Crime
3. Taking or injecting drugs
4. War, military action, riots or armed rebellions
5. Nuclear explosion, nuclear radiation or nuclear pollution
6. Infected by HIV
7. Hereditary disease, congenital malformation, deformation or chromosomal abnormalities

Disease Coverage

Malignant Tumor
It refers to a disease in which malignant cells grow and spread uncontrollably, infiltrate and destroy surrounding normal tissues, and can spread to other parts of the body through blood vessels, lymphatic vessels and body cavities. The diagnosis was confirmed by pathological examination, and the clinical diagnosis belongs to the World Health Organization's International Statistical Classification of Diseases and Related Health Problems (ICD-10).

The following diseases are not covered by mutual aid:
(1) Carcinoma in situ
(2) Chronic lymphocytic leukemia equivalent to stage A of the Binet staging plan
(3) Hodgkin's disease equivalent to stage I of Ann Arbor staging plan
(4) Skin cancer (excluding malignant melanoma and metastatic skin cancer)
(5) Prostate cancer with TNM stage T1N0M0 or less
(6) Malignant tumors during HIV infection or AIDS

Guide of create a Mutual DAO contract

1 Download the smart contract code
2 Compile
3 Deploy
4 Submit the Mutual Aid Program

Detail steps:
Guide of create a Mutual DAO contract
http://blog.medishares.org/?p=2156

MediShares Chain

MediShares Chain testnet is in progress of developemnt, and the source code will be release in repo:
https://github.com/MediShares/medishares-chain-testnet

MDS Token Info

Total: 2,000,000,000
Total Circulating: 742,999,401
Lockdrop: 361,205,413
VPOS Pool: 145,770,231
Actual Circulating: 236,023,757

Data Source:
https://coinmarketcap.com/currencies/medishares/
https://www.feixiaohao.com/currencies/medishares/
http://blog.medishares.org/?p=1965
http://explorer.mathwallet.org

Exchanges
Huobi: https://www.huobi.vc/zh-cn/exchange/mds_usdt/
Gate: https://www.gateio.life/trade/MDS_USDT
CEX: https://cex.plus/market/mds_usdt
FUBT: https://www.fubt.com/#/TradeCenter/mdsusdt
Newdex: https://newdex.vip/trade/medisharesbp-emds-eos

MDS Telegram Group

https://t.me/medisharesEN

Categories
Uncategorized

项目进度报告 | 2020.03.17

weekly8

MDS 是世界上第一个相互保障合约市场,基于区块链接技术提供相互保障智能合约创建和使用平台,有效降低保障产品的运营成本,同时提供更高的保障资金安全性。

MDS 的发展离不开社区用户的支持与信任,我们对此表示由衷地感谢。我们专注于项目的长期发展,秉持公正透明的社区原则,以进度报告形式定期展示项目各方面进度,以下为最近一段时间的进度更新报告。

Mutual DAO 协议开发进度

MutualDAO EOS版正式上线 http://mutualdao.org

MutualDAO Anticancer Mutual Aid (抗癌互助) 版本发布!
http://mutualdao.org/#/projectDetail?id=5

Mutual DAO 白皮书
http://blog.medishares.org/?p=1805

合约代码开源地址:
https://github.com/MediShares/mds-mutual-aid-dao-eos

基于区块链的 Anticancer Mutual Aid (抗癌互助)

请通过绑定实名的 EOS 账号加入,您可以使用 Voice.com 或麦子钱包完成绑定

抗癌互助计划参与规则

加入
1.出生满28天-60周岁
2. 身体健康

观察期:180天
观察期:又称等待或免责期,是为了防止参与计划的人明知道将发生风险事故,而马上加入以获得利益的行为

退出情形
1.身故、已给付互助金自动退出
2.年满61周岁,自动退出
3.互助金账户余额为0

不予互助事项提示
1.故意自伤、故意犯罪或抗拒依法采取的刑事强制措施
2.互助会员主动吸食或注射毒品
3.战争、军事行动、暴乱或武装叛乱
4.核爆炸、核辐射或核污染
5.互助会员感染艾滋病病毒或患艾滋病期间因疾病导致的
6.遗传性疾病,先天性畸形、变形或染色体异常

本计划涵盖疾病
恶性肿瘤
指恶性细胞不受控制的进行性增长和扩散,浸润和破坏周围正常组织,可以经血管、淋巴管和体腔扩散转移到身体其他部位的疾病。经病理学检查结果明确诊断,临床诊断属于世界卫生组织《疾病和有关健康问题的国际统计分类》(ICD-10)的恶性肿瘤范畴。
下列疾病不在互助范围内:
(1)原位癌
(2)相当于Binet分期方案A期程度的慢性淋巴细胞白血病
(3)相当于Ann Arbor分期方案Ⅰ期程度的何杰金氏病
(4)皮肤癌(不包括恶性黑色素瘤及已发生转移的皮肤癌)
(5)TNM分期为T1N0M0期或者更轻分期的前列腺癌
(6)感染艾滋病病毒或者患艾滋病期间所患恶性肿瘤

关于如何自行创建一个 Mutual DAO

1 下载代码
2 编译代码
3 部署合约
4 提交互助计划

具体步骤见:
手把手教你创建一个自定义的互助保险
http://blog.medishares.org/?p=2153

MediShares Chain

目前 MediShares Chain 测试网正在开发中,所有代码将在下面的仓库中更新:
https://github.com/MediShares/medishares-chain-testnet

MDS Token 信息

总量:2,000,000,000
总流通:742,999,401
Lockdrop锁仓:361,205,413
VPOS矿池锁仓:145,770,231
实际流通:236,023,757

数据来源
https://coinmarketcap.com/currencies/medishares/
https://www.feixiaohao.com/currencies/medishares/
http://blog.medishares.org/?p=1965
http://explorer.mathwallet.org

交易
Huobi: https://www.huobi.vc/zh-cn/exchange/mds_usdt/
Gate: https://www.gateio.life/trade/MDS_USDT
CEX: https://cex.plus/market/mds_usdt
FUBT: https://www.fubt.com/#/TradeCenter/mdsusdt
Newdex: https://newdex.vip/trade/medisharesbp-emds-eos

扫描二维码加入 MDS 社群