The founder of Huma Finance replied quite professionally and humbly, understanding the business. The team's growth supervisor is actually a bunch of seemingly elite logic that is quite arrogant. However, with such a high IQ, why are you still working? But what about UCLA in my group, PKU， Columbia, Walton, Tsinghua and Peking University have all kinds of prestigious schools, none of them are as pretentious as you! You have a high IQ, so why don't you come up with a real deal to earn a few million? I really have a profit of 3M in real deals. Hey buddy, do you think it's amazing for a big investment bank to earn an annual salary of 200K? Bro, genius is the threshold to meet me. You're just a fart in this circle right now. A week ago, I made a profit of 400K on the actual trading at BP. Can you be a girl with high intelligence??? What chaotic investor supporters are also judging my motives from my personal life? Isn't this a pure beast? When did I evaluate a cryptocurrency girl? Hey buddy, what do I play? I earn my own money. What kind of emotional life I like is my freedom, and it has nothing to do with my project evaluation. P2P was once in China, and you can see the teams at that time, from the founders of Qingbei and overseas QS50 teams, with business models ranging from personal P2P lending to trade financing, various high-end business models and elite endorsements. What can risk control achieve with 4S, 8S, or even more than ten layers of safety protection. The default rate is astonishingly low. There is no doubt that there is a problem, as 99.99% of the platforms were unable to redeem and all defaulted on a large scale. A trillion dollar scale default is roughly equivalent to the default amount of the subprime mortgage crisis. I never believe that traditional financial services can pay interest of more than 10% on the financing amount. If possible, what is the upper limit of your business capacity? If it's very high? So it is entirely possible to introduce external financing with lower interest rates. Why do we need to offer a 10% interest rate when going live? On the contrary, all logic can be deduced backwards. I don't need to understand any lofty business logic. Because the thing that does not conform to all traditional financial basic business logic is Fake, without exception. AAVE's stablecoin can soar by 20% APR, I can understand. The peak funding rate is 30% APR, I can understand it. This is the business foundation logic of ENA. I can also understand the 3000% APY of the earth mine, it's going to cut your waist. However, I cannot understand the black box business logic of the fund pool because you lack transparency and decentralization. Even if you talk nonsense, I can't see anything. You can't prove anything false. The core characteristics of blockchain are decentralization, transparency, and irreversibility. Are you? Sunlight is said to be the best of disinfectants Transparency is the best preservative -Louis Brandeis