本次AMA活动主题是“BlockBank，您的数字货币智能理财顾问”，本次活动由七彩研究院发起并邀请了BlockBank项目代表参与了本次活动，以下是本次活动的内容记录。

参加会嘉宾

Who will participate in this AMA

主持人：雪糕，七彩研究院

嘉宾：Anastasija，BlockBank联合创始人&首席法律官

嘉宾，Darren，BlockBank联合创始人&首席运营总监

1、BlockBank与银行平台之间有什么关联？

1、What is the relationship between BlockBank and the banking platform? 

It is hard to overestimate the importance of financial services, including banking aka fiat gateway, cards, and bank accounts. These services are essential for user convenience and everyday usability. Now we have 2 banking partners that will allow fiat top up in the accounts/withdrawals. Also, we are negotiating with other banking institutions – it is needed to cover as many regions as possible. We are starting the process of obtaining our own licenses, it will allow us to provide lower fees and add extra use cases for BANK tokens. By the way, having the BANK token will enable users to access better conditions for payment accounts, cards with higher limits and additional discounts/cashback.

很难高估金融服务的重要性，包括银行又称法定网关，卡和银行帐户。这些服务对于用户便利性和日常可用性至关重要。现在我们有2个银行合作伙伴，可以在帐户/提款中充值法定货币。此外，我们正在与其他银行机构进行谈判-需要覆盖尽可能多的区域。我们正在开始获取自己的许可证的过程，这将使我们能够提供较低的费用并增加BANK代币的额外用例。顺便说一句，拥有BANK代币将使用户能够更好地使用付款帐户，具有更高限额的卡以及额外的折扣/现金返还条件。

2.BlockBank如何通过区块链经济赋能银行平台？

2.How does BlockBank enable the banking platform through the blockchain economy? 

The blockchain economy is growing rapidly - more institutional investors hedge funds, VCs and banks are exploring/joining it. Also, the number of retails users is growing at the record levels. In all this booming crypto/blockchain economy we still do not have enough competition and tools that empower retails users. It is much easier for large institutions to get all the banking, custodial and trading services while retail users face challenges and pay higher fees. BlockBank is changing it, providing same playing field through the applications that allows every user to get top-quality services, AI assistant and access to banking.

Blockchain based services also reduce our costs when it comes to KYC/AML, reporting and audits (thanks for blockchain transparency!). This allows BlockBank to merge 2 worlds into one convenient application.

区块链经济正在快速增长-越来越多的机构投资者对冲基金，风投和银行正在探索/加入。而且，零售用户的数量正以创纪录的水平增长。在所有蓬勃发展的加密/区块链经济中，我们仍然没有足够的竞争和工具来增强零售用户的能力。在零售用户面临挑战并支付更高费用的同时，大型机构更容易获得所有银行，保管和交易服务。 BlockBank正在对其进行更改，通过应用程序提供了相同的竞争环境，该应用程序允许每个用户获得最优质的服务，AI助手和银行服务。

基于区块链的服务还可以降低我们在KYC / AML，报告和审计方面的成本（感谢区块链的透明性！）。这使BlockBank可以将2个世界合并到一个便捷的应用程序中。

3、Blockbank和Defi用户之间的关系是什么？

3、What is the relationship between Blockbank and Defi users? 

BlockBank is on a mission to simplify the user experience without compromising security, privacy, or decentralization. The complex nature of DeFi platforms requires elegant trade execution and earning strategies to avoid high gas costs and slow speeds. We optimize multi-step DeFi purchasing processes and add a powerful AI assistant.  

We are not discriminating our users – they can continue using pure DeFi services without KYC/AML via our web3 browser and non custodial wallet. DeFi market share is growing, innovation is blossoming and we support DeFi values, have planned partnerships with other DeFi projects to provide greats et of tools such as decentralized insurance or lending to all users.

Our patented AI technology will be greatly beneficial to every DeFi users on BlockBank platform to get all information, advice and better APYs

BlockBank的使命是简化用户体验，同时不影响安全性，隐私性或分散性。 DeFi平台的复杂性要求完善的交易执行和盈利策略，以避免高昂的天然气成本和缓慢的速度。我们优化了多步DeFi购买流程，并添加了功能强大的AI助手。

我们并没有歧视我们的用户-他们可以通过我们的web3浏览器和非托管钱包继续使用纯粹的DeFi服务，而无需KYC / AML。 DeFi市场份额不断增长，创新不断发展，我们支持DeFi价值观，并已计划与其他DeFi项目建立合作伙伴关系，以向分散的保险或向所有用户提供贷款等工具。

我们获得专利的AI技术将极大地有益于BlockBank平台上的每个DeFi用户，以获取所有信息，建议和更好的APY

4、Blockbank如何通过区块链技术改变Defi用户与银行平台之间的关系？

4、How does Blockbank change the relationship between Defi users and the banking platform through blockchain technology? 

Our goal is to remove the barriers between these two financial services. DeFi economy and users are only growing and they need better options to use “traditional” banking if they want so. This is why we are developing a technological solution that our DeFi users, after going through internal KYC will get access to all perks and benefits of banking features.

我们的目标是消除这两种金融服务之间的障碍。 DeFi经济和用户只是在增长，如果需要，他们需要更好的选择来使用“传统”银行业务。这就是为什么我们正在开发一种技术解决方案，让我们的DeFi用户在经历内部KYC之后将能够使用银行功能的所有特权和好处。

自由提问环节

用户提问1

BlockBank的长远规划是什么？能不能讲解一下项目的roadmap 

Darren Francesch:

Our goal is to remove the barriers between these two financial services. DeFi economy and users are only growing and they need better options to use “traditional” banking if they want so. This is why we are developing a technological solution that our DeFi users, after going through internal KYC will get access to all perks and benefits of banking features. 

我们的目标是消除这两种金融服务之间的障碍。 DeFi经济和用户只是在增长，如果需要，他们需要更好的选择来使用“传统”银行业务。这就是为什么我们正在开发一种技术解决方案，让我们的DeFi用户在经历内部KYC之后将能够使用银行功能的所有特权和好处。

Anastasija:

Payments and Crypto licenses are already in progress. We have started and self-funded development since 2018, launched in 2019 and are coming back with a better version integrating all the feedback provided by our early adopters and implementing AI patented technology that is already being used in fortune 100 companies, as well as one of the largest American banks right now.  

The application update of the current beta version will include web 3 so users can access DeFi dApps in wallet and use funds they store in their non-custodial wallet. Our V2 application is being developed in parallel which is an absolute rebuild from the ground up. Our robo advisor is also in development in conjunction with our application as it needs to be interconnected to each aspect of the application to ensure it functions most efficiently. We are also adding a more CeFi aspect to our application a custodial wallet, fiat on and off ramp, and some other exciting features we will announce through PR releases.  

In the near future you will see BlockBank launching the new version our app, signing off with strategic partners such as banks, wallets and other projects. 

付款和加密许可证已经在进行中。自2018年起，我们就开始了自筹资金的开发工作，于2019年启动了开发工作，并且将返回一个更好的版本，该版本集成了我们的早期采用者提供的所有反馈，并实施了财富100强公司以及一个已经使用的AI专利技术。现在最大的美国银行中

当前Beta版本的应用程序更新将包括web 3，因此用户可以访问钱包中的DeFi dApp，并使用他们存储在非托管钱包中的资金。我们的V2应用程序正在并行开发，这是从头开始的绝对重建。我们的机器人顾问也在与我们的应用程序一起开发中，因为它需要与应用程序的各个方面互连，以确保其最有效地运行。我们还在我们的应用程序中增加了更多的CeFi方面的功能，包括保管钱包，法定上下坡道，以及一些其他令人振奋的功能，我们将通过PR版本宣布这些功能。

在不久的将来，您将看到BlockBank启动我们的应用程序的新版本，并与银行，钱包和其他项目等战略合作伙伴签署协议。

用户提问2

咱们的Blockbank什么时候上线交易所呀

Darren Francesch:

April 26 is TGE 

用户提问3

最近还有用户在问，会不会还有额度放出来给大家认购？

Anastasija:

不幸的是，诱人的销售几乎结束了，但是IDO上的公开销售有不错的规模分配！

用户提问4

ido的价格是恒定的，还是有涨跌的

Darren Francesch:

Price at IDO stays the same 

IDO的价格保持不变

我们正在努力使我们所有的投资者，无论是私人还是公众，都将非常高兴:) we are just working that all our investors, private and public will be very happy :) 

用户提问5

咱们IDO之后，下一步是什么动作

Anastasija:

交易所列表，合作伙伴关系，更多交易所，应用程序的V2 exchange listings, partnerships, more exchanges, V2 of the application

Darren Francesch:

Uniswap and Pancakeswap listing same time :)

会同时上线Uniswap和Pancakeswap

用户提问6

目前有哪些大机构参与了投资BlockBank？

Anastasija:

Darren Francesch:

We have some that are listed on our website but here at blockbank we wanted to work with influencers, pool operators and syndicates more than vcs or funds. Vcs and Funds don't bring much value to investors in the crypto space as they just sell against the market. 

我们的网站上列出了一些，但在Blockbank上，我们希望与有影响力的KOL，资产池运营商和集团合作，而不是风险投资或基金。 Vcs和Funds在加密货币领域给投资者带来的价值不高，因为他们只是在市场上卖出。

用户提问7

接下来会有哪些对用户来说有好处的信息？

Anastasija:

我们正在与3个不同的平台进行谈判，这些平台可以在未来10到12个月内吸引多达2500万用户

用户提问8

上线什么交易所

Anastasija:

pancakeswap and uniswap, the rest, stay tuned :)

pancakeswap和uniswap，其余的，敬请期待:)

Darren Francesch:

Thank you everyone Blockbank is happy to answer any questions in our telgram channel or our chinese telegram channel https://t.me/BlockBankApp https://t.me/blockbankmandarin

谢谢大家，Blockbank很高兴在我们的电报频道或中文电报频道中回答任何问题https://t.me/BlockBankApp https://t.me/blockbankmandarin