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  • because I worked for the banking industry for 15 years, I was there in new york city with you uh for four years in the nineties, working for bankers trust, I was trading fixed income derivatives, lots of treasury bonds, Euro dollar futures.

    因為我在銀行業工作了15年,90年代我在紐約市和你一起工作了四年,為銀行家信託公司工作,我在交易固定收益衍生品,很多國債,歐元期貨。

  • Then I moved on to credit default swaps uh in London and I did that for about nine years here, luckily I escaped 10 years ago um and became a broadcaster, even though I dressed like a banker these days.

    然後我轉到了倫敦的信用違約掉期呃,我在這裡做了大約9年,幸運的是我10年前逃了出來呃,成為一名廣播員,儘管這些天我穿得像個銀行家。

  • But you know, Alex, I've seen the underbelly of the banking industry from the inside and I've seen how they've built up this, this crazy monopoly, almost a mind game around their customers for hundreds of years.

    但你知道,亞歷克斯,我從內部看到了銀行業的底層,我看到了他們是如何建立起這個,這個瘋狂的壟斷,幾百年來幾乎是圍繞他們的客戶進行的智力遊戲。

  • And with you, you've said with Celsius, you are quote going into the ring with the largest banks in the world, the ones that kept more than 90% of the total value created with my money.

    而對於你,你已經說過,與Celsius一起,你是在引用世界上最大的銀行,那些保留了用我的錢創造的總價值的90%以上的銀行。

  • You say it's pretty much daylight robbery and that you built Celsius to give consumers what banks never could Alex walk me through.

    你說這幾乎是光天化日之下的搶劫,你建立Celsius是為了給消費者提供銀行永遠不能提供的東西,Alex陪我一起去。

  • What is it exactly that Celsius does, and maybe you can explain this mindset that not everyone sees of what the banking industry is and maybe what it could be sure, and like you said, you know, it better than most.

    攝氏究竟是做什麼的,也許你可以解釋這種心態,不是每個人都能看到銀行業是什麼,也許它可以確定,就像你說的,你知道,它比大多數人更好。

  • There's no grand secret here.

    這裡沒有什麼大祕密。

  • I mean, banks are exceptional charging us fees, charging us different transactions that from which they generate their fees, they also make money on our money, right?

    我的意思是,銀行向我們收取費用,向我們收取不同的交易,從中產生費用,他們也在我們的錢上賺錢,對嗎?

  • So they know how to create yield from the uh um that they managed.

    所以他們知道如何從他們管理的呃嗯中創造收益。

  • Uh It's the problem is not without that is all fine.

    呃......問題不是沒有,而是都很好。

  • The problem is who do they give those fees to or that income?

    問題是他們把這些費用或這些收入給誰?

  • So today, basically 100% of that income goes to their shareholders, they pay dividends or they pay bonuses.

    所以今天,基本上100%的收入都給了他們的股東,他們支付股息或支付紅利。

  • And the problem is that they caught in that catch 22 where every quarter they have to deliver higher and higher quarterly dividends to their shareholders, otherwise the shareholders are just going to leave.

    問題是,他們陷入了這樣的困境:每個季度他們都必須向股東提供越來越高的季度紅利,否則股東就會離開。

  • so and who they take it from, they take it from us.

    所以,他們從誰那裡拿的,他們就從我們那裡拿的。

  • So we get charged within activity fees with checking fees, withdrawal fees, you name it, right?

    是以,我們被收取活動費與支票費、提款費,你的名字,對嗎?

  • The overdraft fees and so on.

    透支費等等。

  • So what we decided to do it, that's Celsius is really create a network in which we consolidate all of these the same type of a um that banks get right, we just handle digital assets instead of dollars, we create yield or create income on those assets, just like banks do, but we give most of that back to the people who gave us the money in the first place.

    是以,我們決定做的,就是Celsius真正創建一個網絡,在這個網絡中,我們整合所有這些與銀行相同類型的嗯,我們只是處理數字資產而不是美元,我們在這些資產上創造收益或創造收入,就像銀行一樣,但我們把大部分還給那些首先給我們錢的人。

  • And really I I built it for myself, I have over 300 million of my own uh digital assets in C as a user.

    而實際上我我是為自己建立的,我有超過3億的自己呃數字資產在C作為一個用戶。

  • And then a million people showed up and said, hey, can I get a seat on the bus right next to that looks pretty good.

    然後有一百萬人出現,說,嘿,我能不能在旁邊的公共汽車上找一個座位,這看起來很不錯。

  • uh and now we, we've paid over $800 million dollars in interest In less than four years, which would make us one of the largest banks in the world, we're not a bank, but I'm saying in terms of paying interest would make us probably top 10 because banks pay so little to their customers.

    呃,現在我們,在不到四年的時間裡,我們已經支付了超過8億美元的利息,這將使我們成為世界上最大的銀行之一,我們不是銀行,但我說在支付利息方面,我們可能是前10名,因為銀行對他們的客戶支付得太少。

  • This is some impressive numbers.

    這是一些令人印象深刻的數字。

  • And you have something I think called your triple entry accounting system.

    你有一些東西,我想叫做你的三合一會計系統。

  • So people can go on your website right now and I can literally see the top earners on the Celsius platform, including you, right?

    是以,人們現在可以上你的網站,我可以從字面上看到Celsius平臺上的頂級收入者,包括你,對嗎?

  • And I can see how I rank against you and you're trying to make it even more transparent than say double entry is.

    而且我可以看到我對你的排名,你想讓它比說複式輸入更加透明。

  • Right?

    對嗎?

  • So the beauty of the Blockchain is that it's already public ledger, it's public information.

    是以,區塊鏈的魅力在於,它已經是公共賬本,是公共信息。

  • So why not tie all of our activity with verification or confirmation from the public ledger.

    是以,為什麼不把我們所有的活動與公共賬簿的驗證或確認聯繫起來。

  • So the equivalent to what we do will just explain it on the bank side, just to shock you even more.

    所以相當於我們所做的只是在銀行方面進行解釋,只是為了讓你更加震驚。

  • The equivalent to what we do would be that you walk into your bank branch, you give him that check that you want to deposit.

    相當於我們所做的是,你走進你的銀行分行,你把你想存入的支票給他。

  • But you make it conditionally say, look, I want to know what you're going to use this money for.

    但你讓它有條件地說,聽著,我想知道你要把這筆錢用於什麼。

  • I want to see how much you earned on my money.

    我想看看你用我的錢賺了多少。

  • I want to see how much you paying me out of those earnings and I want to know who is everybody else and how much did they earn?

    我想看看你從這些收入中付給我多少錢,我想知道其他人是誰,他們掙了多少錢?

  • I want to make sure that if I gave you 1% of the pool, I'm getting 1% of the interest.

    我想確保,如果我給你1%的池子,我就能得到1%的利息。

  • Right?

    對嗎?

  • So that level of transparency has never existed in any financial institution.

    是以,這種程度的透明度在任何金融機構中都從未存在過。

  • And if we are really building an open ledger and we're supposed to trust each other and everything else.

    如果我們真的在建立一個開放的賬本,並且我們應該互相信任和其他一切。

  • Triple entry accounting system is the future.

    三合一會計系統是未來的趨勢。

  • Uh Celsius sent to standard for that.

    呃,攝氏度送來的標準是這樣的。

  • It's a public well we have a it's open source so anyone can come and help us develop this further.

    它是一個公共的,我們有一個開放的源代碼,所以任何人都可以來幫助我們進一步發展。

  • We want this to be an an industry standard.

    我們希望這能成為一個工業標準。

  • And all these things that Celsius does makes it harder and harder for the banking system To keep doing what it's doing because people are not just comfortable with earning 8.8% on your stable coins right?

    Celsius所做的所有這些事情使得銀行系統越來越難繼續做它正在做的事情,因為人們不只是對在你的穩定幣上賺取8.8%的收益感到舒服,對嗎?

  • That's 100 times more than your bank pays you.

    這比你的銀行付給你的錢多100倍。

  • But also you can verify that everything C does is the way it's supposed to be.

    但同時你也可以驗證C所做的一切是它應該有的樣子。

  • Yeah.

    是的。

  • What a concept.

    這是一個什麼樣的概念。

  • I mean when I got on the trading floor in 1993 at bankers trust, I noticed the phones that they gave us Alex.

    我的意思是,當我在1993年進入銀行家信託公司的交易大廳時,我注意到他們給我們的電話是Alex的。

  • They had these clickers on the phones and you've probably seen these before.

    他們的手機上有這些點擊器,你可能以前見過這些。

  • And I remember thinking first, what are those four?

    我記得我首先想到的是,那四個是什麼?

  • And I asked some trader and he yelled at me, I'm sure and he said there so your customers can't hear what you're saying in the background and I'm telling you Alex, that device is symbolic of the whole banking industry because for the next four years as I traded I realized our real power was our customers not having information, it was the regulation or non passing through of that information that allowed us to make the big spreads that allowed us to take big chunks and it was that lack of transparency that has built the banks for hundreds of years.

    我問了一些交易員,他對我大喊大叫,我敢肯定,他說在那裡,所以你的客戶聽不到你在後臺說什麼,我告訴你,亞歷克斯,那個設備是整個銀行業的象徵,因為在接下來的四年裡,當我交易時,我意識到我們真正的力量是我們的客戶沒有資訊,是監管或不通過這些資訊,使我們能夠做大的利差,使我們能夠採取大塊,正是這種缺乏透明度,建立了銀行幾百年的時間。

  • And so that concept you say it's like unconceivable to a traditional banker that you would share all that information because it wouldn't be very pretty if they give you the answer.

    是以,你說的這個概念對傳統的銀行家來說是不可想象的,你會分享所有的資訊,因為如果他們給你答案的話,就不會很好看。

  • Right, well look, banks sit on their toll collectors right there.

    對,你看,銀行就坐在他們的收費員那裡。

  • They're basically intermediaries to sit on all the money in the world, one or another, any amount of capital it needs to move from A to B.

    他們基本上是中介機構,坐擁世界上所有的錢,一個或另一個,任何它需要從A到B的資本數量。

  • Goes through the banking system.

    通過銀行系統進行。

  • So like you said, they have this amazing monopoly, but instead of using that to do good, they were just using that to extract tolls and pay themselves ridiculous amounts of money while not paying us anything.

    是以,就像你說的,他們有這種驚人的壟斷,但他們不是利用這種壟斷來做好事,而是隻是利用這種壟斷來提取過路費,給自己支付可笑的錢,而不給我們任何東西。

  • If it was a fair deal, if we were getting 50, of it fine, you know like we, you know, we pay the piper and we move on, but every year banks have reduced what they pay customers.

    如果這是一個公平的交易,如果我們得到50%,那就好了,你知道,就像我們,你知道,我們付出了代價,我們繼續前進,但每年銀行都會減少他們支付給客戶的費用。

  • And and and the amazing thing is that if you think about banks, banks earn last quarter, all commercial banks earned record profits.

    而且,而且令人驚奇的是,如果你想到銀行,銀行上個季度賺了,所有商業銀行都賺了創紀錄的利潤。

  • Yet they paid us record low interest.

    然而,他們向我們支付了創紀錄的低利息。

  • So how do those two uh calculate.

    那麼,這兩個呃是如何計算的。

  • And one more point is that Every 10 to 15 years we, the people have to bail them out so they pay us nothing.

    還有一點是,每隔10到15年,我們人民就得把他們保出來,所以他們什麼都不給我們。

  • The charges fees, they get huge dividends.

    收費的費用,他們得到了巨大的紅利。

  • And then every 10 to 15 years we have to write a check for a trillion dollars or $5 trillion dollars to bail out the banks because they made a mistake.

    然後每隔10到15年,我們就得開一張一萬億美元或5萬億美元的支票來拯救銀行,因為他們犯了一個錯誤。

because I worked for the banking industry for 15 years, I was there in new york city with you uh for four years in the nineties, working for bankers trust, I was trading fixed income derivatives, lots of treasury bonds, Euro dollar futures.

因為我在銀行業工作了15年,90年代我在紐約市和你一起工作了四年,為銀行家信託公司工作,我在交易固定收益衍生品,很多國債,歐元期貨。

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