Block'n Bell 区块开市钟

Description: in this episode, we will explore the different methods that one can earn interest on his idle dollars, and how tradfi is different from defi in its services. Why are defi yields sometimes above 10%, when the general money markets are only 3.5%? What is the extra risk when participating in defi yield farming, and why are the rates generally variable instead of fixed?Join us for an exciting episode featuring Tyler Carter from Splyce and Akash Gaurav from AlpendGuest 1: Tyler Carter is Co-Founder and Head of Strategy at Splyce, leading institutional business development, partnerships, and the protocol's go-to-market across Stellar, Solana, and Sui. He previously ran Digital Assets at S&P Indices, where he built the benchmarking infrastructure behind the first generation of institutional crypto products and launched the first quantitative Crypto ETFs and first tokenized Indexes. After that, he was Head of Digital Assets at Securrency, the institutional tokenization company acquired by DTCC, working with global banks and asset managers on the first wave of tokenized fund structures. - Company Blurb: Splyce is an onchain credit platform offering fixed-rate, fixed-term institutional lending. The product suite pairs borrower-branded isolated lending markets (SAVs) with splyceUSDC, a yield-bearing liquidity layer that routes capital across curated RWA and institutional credit strategies.Splyce delivers predictable cost of capital to institutional borrowers and real-world credit yield to onchain lenders, across a vertically integrated stack from origination to curation to distribution.Guest 2: Akash Gaurav: Started in crypto in 2014 with Bitcoin arbitrage trading, operating across early fragmented markets. Went on to build and exit an enterprise blockchain company in 2019. Since then, Akash has been focused on DeFi — working closely with European crypto banks on treasury and portfolio management, with a strong emphasis on capital efficiency and risk. Most recently, he co-founded Alpend.- Company Blurb: Alpend is a privacy-preserving money market built on the Canton Network. It enables lending and borrowing without exposing user positions to the market. The protocol is designed around deterministic execution and controlled information flow, addressing the core issue in DeFi credit markets where public visibility creates an attack surface. Alpend is focused on building infrastructure that makes on-chain credit usable for institutional-scale capital.在本期节目中，我们将探讨赚取闲置资金利息的不同方法，以及传统金融（TradFi）与去中心化金融（DeFi）在服务上的差异。 为什么当普通货币市场利率仅为 3.5% 时，DeFi 的收益率有时却能超过 10%？ 参与 DeFi 流动性挖矿（Yield Farming）有哪些额外风险？ 为什么这些利率通常是浮动的而非固定的？欢迎加入我们这一期精彩播客，本期嘉宾包括来自 Splyce 的 Tyler Carter 和来自 Alpend 的 Akash Gaurav。嘉宾 1：Tyler CarterTyler Carter 是 Splyce 的联合创始人兼战略负责人，负责机构业务开发、合作伙伴关系，以及协议在 Stellar、Solana 和 Sui 上的进入市场策略。 他此前曾在标普指数（S&P Indices）掌管数字资产部门，在那里他构建了第一代机构加密产品背后的基准测试基础设施，并推出了首批定量加密 ETF 和首个代币化指数。 此后，他担任了 Securrency（一家被 DTCC 收购的机构代币化公司）的数字资产负责人，与全球银行及资产管理公司合作开发了第一波代币化基金结构。公司简介：Splyce 是一个链上信用平台，提供固定利率、固定期限的机构贷款。 其产品套件将借款人品牌的隔离信贷市场（SAVs）与 splyceUSDC 相结合，后者是一个收益型流动性层，可将资金路由至精选的真实世界资产（RWA）和机构信用策略中。 Splyce 通过从发起、策展到分发的垂直整合架构，为机构借款人提供可预测的资金成本，并为链上贷方提供真实世界的信用收益。嘉宾 2：Akash GauravAkash Gaurav 于 2014 年通过比特币套利交易进入加密领域，在早期的碎片化市场中运营。 他随后建立并于 2019 年退出了一家企业区块链公司。 自那时起，Akash 一直专注于 DeFi 领域——与欧洲加密银行在国库和投资组合管理方面紧密合作，重点关注资本效率和风险。 最近，他联合创立了 Alpend。公司简介：Alpend 是一个构建在 Canton 网络上的隐私保护货币市场。 它支持在不向市场公开用户仓位的情况下进行借贷。 该协议围绕确定性执行和受控信息流设计，解决了 DeFi 信贷市场中因公开可见性而产生攻击面的核心问题。 Alpend 致力于构建让链上信贷能够承载机构级规模资金的基础设施。

Episode 2: From X Money to Crypto: Mapping the Next Gen of PaymentsIn this captivating episode of Block 'n Bell, hosts Anna and Rex dive deep into the seismic shifts triggered by Elon Musk’s X Money as it enters public testing. With a staggering 6% APY on liquid deposits and the looming "historical IPO" of SpaceX, the pieces of Musk’s vision for a Western "WeChat"—an Everything App woven into our financial lives—are finally falling into place.Joined by industry heavyweights Jon (CEO of PayAll) and Lamine (Co-founder of One People Many Ways), the panel dissects whether X Money is a "PayPal 2.0" or a fundamental restructuring of global power. The conversation spans the evolution from 1970s SWIFT technology to AI-driven agent payments and stablecoin integration. Comparing China’s high-efficiency biometric payments with the West’s focus on privacy, the guests explore the rise of non-traditional rails and the future of banking. Will banks remain relevant at the infrastructure level, or will tech giants and decentralized protocols take the throne? Tune in to discover who will control the flow of money for the next generation. Guests:Lamine Ba is a serial entrepreneur building OPMW (One People Many Ways), a cross-border money exchange platform designed to simplify global transactions and connect people through financial accessibility. Focused on creating practical, user-centered solutions, he aims to reshape how money moves across borders.Jon Buckheit is CEO of PayAll, a crypto payments AI aggregator. Previously he served as CEO of FriendFinder Networks, an Internet social networking company, where he gained expertise in Web 2 payment technologies, and Yield Dynamics, an enterprise software company serving the semiconductor and flat panel display industries. He holds a Ph.D. in statistics from Stanford University.本期播客：马斯克的“万能应用”美版“微信支付”来了？从 X Money 到加密货币：重构全球支付版图在这一期《Block 'n Bell》中，主持人 Anna 和 Rex 深入探讨了埃隆·马斯克旗下 X Money 正式开启公测这一重磅消息。马斯克曾承诺打造美版微信，如今随着 X Money 提供 6% 的惊人年化收益率、SpaceX 可能迎来史上最大规模 IPO、以及 X Chat 的独立发布，这个涵盖社交与金融的“全能闭环系统”拼图正逐渐完整。我们邀请到了 Web3 支付专家 John 和跨境支付平台创始人 Lamine。嘉宾们针对 X Money 是否会重塑全球金融格局、支付轨道如何从传统的 SWIFT 向稳定币与 AI 代理演进、以及中国微信/支付宝模式在隐私与效率间的权衡展开了激烈讨论。从巴西和印度的零手续费实践，到量子计算对监管的潜在冲击，本期节目将带你透视未来 20 年钱将如何流动，以及谁将掌握权力的钥匙。特邀嘉宾:Lamine Ba是一位连续创业者，正在打造 OPMW（一人多途），这是一个跨境货币兑换平台，旨在简化全球交易，并通过金融可及性将人们联系起来。他专注于创造实用、以用户为中心的解决方案，致力于重塑跨境资金流动的方式。Jon Buckheit是加密支付人工智能聚合商 PayAll 的首席执行官。此前，他曾担任互联网社交网络公司 FriendFinder Networks 的首席执行官，在那里积累了 Web 2 支付技术方面的专业知识，还曾担任为半导体和平板显示器行业提供服务的企业软件公司 Yield Dynamics 的首席执行官。他拥有斯坦福大学的统计学博士学位。

Block’n Bell Podcast-Episode 1Topic: Gold, Silver & Bitcoin / ETFs – Which Is the Ultimate Safe-Haven Asset in 2026?Guests:Zach Pandl (Head of Research, Grayscale) Henry McPhie (CEO & Co-founder, Streamex)Part 1 | Why Are Gold & Silver Surging While BTC Lags?Part 2 | BTC vs BTC ETFs vs Physical Gold vs Gold ETFs vs Tokenized GoldPart 3 | Is Bitcoin “Digital Gold”? Is ETH “Digital Silver”? Part 4 | How Should Institutions vs Retail Investors Allocate Assets? Block’n Bell 播客 第一集 - 主题：黄金、白银和比特币/ETF—2026 年谁才是终极避险资产？嘉宾：Zach Pandl（Grayscale 研究主管）Henry McPhie（Streamex 首席执行官，联合创始人）第一部分 | 为什么黄金和白银价格飙升，而比特币却表现滞后？第二部分 | 比特币 vs 比特币 ETF vs 实物黄金 vs 黄金 ETF vs 代币化黄金第三部分 | 比特币是“数字黄金”吗？以太坊是“数字白银”吗？第四部分 | 机构投资者和散户投资者应该如何配置资产？