크레딧코인 토큰 모델이 유니크한 이유

 

What makes Creditcoin's Token Model Unique?

Tucked away on page 5 of the Creditcoin (CTC) whitepaper is a small, rather nondescript detail that is easy to miss. Yet, it would certainly be a mistake to do so.

In fact, it is one of Creditcoin’s unique features which sets it apart from other blockchain projects. The statement in question:

“Each announcement to the Creditcoin network has Creditcoin as a transaction fee. Fees are locked on the network for roughly a year and then get returned to the user.”

The first half of that sentence is hardly unique; yet the second, well that should really invite a second glance. Instead of CTC being a single-use utility token, in other words, something like Filecoin, Siacoin, or even the Ethereum you use to pay gas fees, any CTC you buy can be used by you for ever. Buying CTC represents buying a permanent right to use the network. It is like a one-time subscription fee for a service that renews every year.

Any company which wishes to use Ethereum is constrained by future volatility and uncertainty. The fact that gas prices can vary dramatically generates uncertainty and risk for businesses seeking to use Ethereum. What is economical for a business at a gas price of X, might fail to be if the price hits Y.

This is especially risky when highly variable transaction fees are involved. Even stockpiling a utility token at price X might not offset the cost of higher transaction fees at point Y anyway. Using the CTC model instead, companies simply need to know the price at X to make future investment decisions, thus simplifying the process and protecting them from unknown future market conditions.

Furthermore, the permanent network rights CTC provides can always be traded in future. That means, unlike Gas fees or other utility tokens, users may use the network, and then sell the tokens in future if their trading/market conditions change.

To use a fun analogy on how this works...

Imagine you could buy a ‘food license’ (CTC) to your favourite burger chain (CTC network) granting you one burger-milkshake-and-chips meal (a transaction on the network) every year forever. Indeed, you can buy any number of these food licenses. Say I love burgers, milkshakes and chips so much that I know I could eat one every week for the rest of the year, and for every year after that. Well I simply have to look at the current license price, then multiply that by 52 for every week of the year (or 365, who am I kidding?), and hey presto, I’ve worked out my costs for having essentially unlimited burgers for life (desired CTC transaction capacity).

If the future supply of burgers starts running out, and prices go up, well it won’t affect me, I’ve got my license already. Say I don’t even like burgers in five years, then I can just sell my license, potentially for a profit even. The only downside? Heart disease maybe.

Jokes aside, we feel this will solve some of the issues surrounding the commercial adoption of blockchain technologies. Gaining a permanent right of network access incentivises users to be invested in the platform and its success. As already noted, entities who wish to use the CTC network over several years can make investment decision regarding their costs and usage against CTC’s current pricing, rather than needing to speculate over its potential future cost.

If the company intends to tender around 5 million loans in a year, then based on the fixed rate of 0.01 CTC a transaction, it can purchase 50,000 CTC knowing the investment will secure them that number of transactions per year for ever. Entities making purchasing decisions are less dependent on future market conditions. Note this is only possible because the token is reusable, and because the transaction fee is currently fixed.

Yet no system is perfect. Whilst this model may reduce uncertainty, it also involves trade-offs, for example, short-term flexibility. These issues, and some of their potential solutions, will be discussed in the following article.

 

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위 본문을 크레딧코인 가치투자방 snow-airline님이 간단 번역 해주셨습니다.

크레딧코인 토큰 모델이 유니크한 이유에 대한 게시글이 오늘 올라왔네요. 백서에 있는 부분인데 크레딧코인의 수수료는 lock-up 되는거지 소비되어서 사라지는게 아닙니다. 

크레딧코인을 소유한다는 것은 크레딧코인 네트워크에 대한 영구적인 사용권을 획득한다는 것을 의미합니다. 만약에 1년에 5백만건의 대출을 가지고 있는 회사라면 0.01 CTC로 수수료가 고정이기 때문에 투자할 당시에 한번 50000개의 CTC를 사두면 영원히 네트워크 권한을 획득 할 수 있습니다. 따라서 미래 시장 가치에 구애받지 않을 수 있습니다. 미리 사두면 그 시점에서의 투자로 끝나는 것이니까요.

그러니까 이더리움을 소유하고 있으면 이더리움 네트워크를 사용할 때마다 가스비를 내야 합니다. 이렇게 지불한 가스비는 저에게 다시 돌아오지 않습니다. 그렇기 때문에 이더리움을 소유한다는 것 자체는 이더리움 네트워크 사용에 대한 영구적인 권리를 의미하는게 아닙니다. 이것이 크레딧코인과 이더리움과 같은 fee를 지불하는 플랫폼들과의 차이점이라고 할 수 있습니다. 

이것에 대한 재미있는 비유를 햄버거 프렌차이즈의 버거 밀크쉐이크앤칩스 식사권으로 설명했습니다. 영구적인 버거 식사권(=네트워크 사용권)을 받을 수 있는 권리를 파는거죠. 미래의 버거의 가격이 떨어지거나 오르거나 상관 없이 제가 구매한 시점에서 저는 투자를 마친 것입니다. 내가 5년 안에 햄버거를 좋아하지 않는다고 하면 내가 소유한 버거 권한을 팔 수 있습니다.

크레딧코인 네트워크를 수년 동안 사용하려는 기업은 잠재적인 미래 비용에 대해 추측할 필요가 없습니다. 크레딧코인의 현재 가격과 비교하여 사용량에 대한 투자 비용을 책정할 수 있습니다. 이렇게 한번 투자하게 되면 영구적으로 크레딧코인 네트워크를 사용할 수 있게 됩니다. 이것이 기업 입장에서 메리트가 될 것이라고 생각합니다.

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위 본문을 크레딧코인 가치투자방 HQ님이 풀 번역 해주셨습니다.

What makes Creditcoin's Token Model Unique? 


크레딧코인 백서의 5페이지에 있는 내용은 그저 스쳐버리기 쉽다. 그러나 그 부분이 바로 크레딧 코인에서 당신이 놓쳐서는 안되는 중요한 포인트라는 점을 이야기하고 싶다. 
5페이지에 기술된 내용이야말로 크레딧 코인의 진정한 강점이다. 
"크레딧 코인 네트워크에서 거래시 매거래마다  수수료를 낸다. 그 수수료는 1년 동안 네트워크에 모여 있다가 1년 후 당신에게 다시 돌아갈 것이다." 
위의 내용을 보면 첫 번째 문장은 기본적인 내용이지만  두 번째 문장은 확실히 당신의 흥미를 끌만한 내용이다.  파일코인,시아코인 혹은 가스비를 낼 수 있는 이더리움이  일회성utility coin이라면 크레딧 코인은 영원히 쓸 수 있는 utility  coin이다. 크레딧 코인을 사는 것은 당신이 크레딧 코인 네트워크를 이용할 수 있는 영구적인 권리를 사는 것이라고 할 수 있다. 다시 말하면, 한 번 신문 구독을 신청하면 매년 자동적으로 연장되는 시스템과 같은 것이다.    
이더리움 사용을 희망하는 기업들은 미래에 가격의 변동성과 불확실성을 경험할 수 밖에 없다. 가스값은 변동성이 크기 때문에 이더리움으로 가스값을 지불하는 회사들은 높은 위험성을 안고 있다고 할 수 있다. 다시 말하면, 가스비 X값이 합리적인 가격이라는 가정하에 그 값이 Y값으로 변하면 그 가격은 더이상 합리적이지 않다. 이것은 수수료의 변동성이 클 때 특별히 더 위험하다. 만약에 해당 Utility token을 X가격에 많이 보유해 놓는다 해도 Y가격의 수수료를 감당할 수 없다. 그러나 크레딧 코인을 사용하면 기업들은 향후 투자 결정을 하기 위해 X가격만 알면 된다. 프로세스는 간단해지고 불확실한 미래의 시장에서 기업을 보호할 수 있다.  그리고 크레딧 코인 네트워크의 영구적인 사용 권리는 매매가 가능하다. 이것은 가스값이나 여타utility token과 달리 사용자들은 시장 상황에 따라 네트워크 사용 권한을 팔 수 있다. 

재밌는 비유를 한 번 해보자면...
당신이 가장 좋아하는 햄버거 집은 크레딧 코인 네트워크이고 햄버거 제품의 라이센스가 크레딧 코인이다. 그리고 당신이 시키는 메뉴가 바로 네트워크에서의 거래에 해당한다. 이 거래는 매년 자동 갱신된다. 
이 라이센스 구매량은 당신이 원하는 만큼 가능하다. 당신이 좋아하는 메뉴인 햄버거-쉐이크-칩스를 매주 먹고 싶다면 당신은 지금 가격에 52주를 곱해서 구매한다. 그리고 매주 그 메뉴를 즐기지만 가격은 전혀 걱정할 필요가 없다. 첫 구매로 평생 먹을 수 있는 메뉴를 산 것이다.  이것이 바로 CTC Transaction Capacity이다. 

만약 미래에 햄버거가 없어서 가격이 올라간다해도 당신은 라이센스를 이미 낮은 가격에 샀기 때문에 높아진 가격에 영향을 받지 않을 것이다. 또한, 구매한지 5년만에 햄버거가 싫어졌다면 라이센스를 매매하면 되는 일이다. 그리고 이윤을 남길 수도 있다. 심장병 이외에는 햄버거를 매주 먹어도 손해보는 일은 전혀 없다.
 크레딧 코인의 이러한 강점은 현재 블럭체인 기술을 상용화하는데 걸림돌이 되는 문제들을 해결할 수 있는 답이 된다. 영구적인 사용 권한은 사용자에게 플랫폼에 시간을 넣고 이것의 성공을 장려하는 것과 같다. 기업이 크레딧 코인을 몇 년 동안 사용하고 싶다면 향후 투자 가격에 대해 조사하거나 고민하는 대신 현재의 가격만 고려하면 된다. 
만약, 연간 5백만개의 대출 거래를 발생시키는 회사라면 거래 수수료가 건당 (0.01)CTC X (5,000,000)거래수= 50,000 CTC가 필요하다.  CTC를 구매하는 기업들은 미래의 시장 상황에 영향을 덜 받는다. 이것이 가능한 이유는 토큰을 재사용할 수 있고 수수료가 고정가격이라는 점이다. 
어떤 시스템도 완벽하진 않다. 이 모델이 불확실성을 줄일 수는 있지만 단점도 있다. 예를 들면, 단기간 유연성이다. 이 문제와 해결책등은 다음 글에서 계속 이야기할 것이다. 

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글루와(Gluwa) 및 크레딧코인(,Creditcoin, CTC) 관련 글 리스트

• 글루와 크레딧코인 Q&A (2020.12.07)
• 글루와 크레딧코인 Q&A (2020.11.29)
• 글루와 크레딧코인 Q&A (2020.11.23)
• 글루와 크레딧코인 Q&A (2020.11.16)
• 글루와 크레딧코인 Q&A (2020.11.08)
• 글루와 크레딧코인 Q&A (2020.11.02)
• 글루와 크레딧코인 Q&A (2020.10.11)
• 글루와 크레딧코인 Q&A (2020.10.04)
• 글루와 크레딧코인 Q&A (2020.09.27)
• 20.09.24 글루와 소식
• 글루와, 비예치형 거래소 마케팅 준비중 20.09.20 Q&A
• 글루와 비예치형 거래소 출시
• 크레딧코인, 쟁글에 프로필 보고서 올라오다.
• 크레딧코인 토큰 모델이 유니크한 이유
• 글루와 크레딧코인, 국내 최고 법무 법인에서 마무리 검토 중
• 글루와 크레딧코인 루니버스와 파트너쉽 맺다, 페이즈1 임박
• 디파이 크레딧코인, 채굴 문제 곧 해결 될 것
• 글루와 크레딧코인, 401k 등 미국 대형 기관 자금이 들어온다
• 글루와 크레딧코인 Q&A (2020.08.23)
• 글루와 크레딧코인 Q&A (2020.08.17)
• 글루와 크레딧코인 Q&A (2020.08.09)
• 글루와 크레딧코인 Q&A (2020.08.02)
• 크레딧코인 Creditcoin Q&A (2020.07.05)