整个金融系统的发展就是为了处理股权、债务、其衍生品和货币问题。未来十年，DeFi 的应用会有很大的增长。Findora 能够带来原生的隐私、身份和高安全性，作为下一代金融基础设施的隐私保护型公共区块链，Findora 解决了隐私和可扩展性问题，强调可扩展性，提供了普遍的访问和显著提高的效率。同时还保护用户身份，Findora为想要在区块链上构建可持续金融应用的各方提供终极便利--跨越多种货币选择。
明明：Findora positions itself as the private financial public chain. What problems can it solve and what value can it bring?
Paul Sherer：As the privacy preserving public blockchain aimed to serve as the next generation financial infrastructure, Findora solves the privacy and scalability issues. Our emphasis on scalability provides universal access and significantly improved efficiency. As well, we protect user identity, to deliver the ultimate convenience for all parties who want to build sustainable financial applications on blockchain -- across multiple currency options.
Findora is on the cutting edge of blockchain technology: we are aiming to bring breakthrough to Web 3.0 rather than incremental improvements. The core problems we solve and the innovative technology we use make us unique: we use a variety of the newest trustless and efficient zero knowledge proof techniques to bring efficient confidential/anonymous asset operations/transactions to an open blockchain; we use the similar technology to create confidential identity and credential for open blockchains;
we use the best in the class zkSNARKS to create optimized ZK Rollup services to help scale up the entire blockchain sphere; we innovatively use a variety of authenticated data structures to make a highly efficient new blockchain. These features are so important to give the financial industry the confidence to make the (bold) move onto blockchain at a large scale.
明明：Most public chains will be compared to Ethereum, and faced with ecological building challenges. How does Findora view Ethereum's position in the industry and how will it promote ecosystem building?
Paul Sherer：We are not positioning ourselves as another Ethereum contender. We will play a role of ecosystem collaborator to the overall Ethereum community. Findora will participate in the Defi in two ways:
1. Findora provides ZK Rollup and confidential transaction capability to the existing Defi apps on ETHEREUM to enhance their throughput and privacy: faster, cheaper and enabling a lot more features otherwise impossible without confidentiality;
2. Findora is based on cross chain and verifiable computation technology, any Ethereum based assets can atomically transfer and transact on Findora. We can provide scalability and cost advantage to apps built directly on us. Private Defi applications include a series of new defi products including Dark Pool Dex (allow secret large ticket crypto transaction), confidential FX pool (that can allow confidential cross-border money transfer), just to name a few.
2. Findora基于跨链和可验证的计算技术，任何基于以太坊的资产都可以在Findora上进行原子转移和交易。我们可以为直接基于我们构建的应用程序提供可扩展性和成本优势。私密Defi应用程序包括一系列新的defi产品，包括Dark Pool Dex（允许秘密大票加密交易），机密FX池（可以允许机密的跨境汇款），仅举几例，
We will release soon with mainnet launch. The technology we use to build privacy preserving defi includes Bulletproofs, Dark compiler, Supersonic, Plonk, advanced cryptography signatures and more. The Zei cryptography library that Findora built is one of the most advanced and comprehensive crypto libraries in the world.
As for ecosystem building for Findora, we view the community as the key to our success. We divide community into several sub segments: general crypto community; developer /researcher's community and enterprise users as a community. We believe these communities should be equally strong and benefit each other. On the general crypto community side, we have teams around the world to raise awareness of the Findora brand and services, deploy all kinds of growth programs including incentivized participation, gamified application experiments, and bounty programs. We also have a privacy preserving stable coin project that is designed to help solve lack of banking access and cost effective international remittance issues.
On the developer and researcher's community side, we have a Findora Advanced Research Institute consisting of established researchers, economists and computer scientists。We have specialized funds to sponsor research projects for both private and public domains especially in cryptography. We are willing to invest in and nourish a developer's community. An ecosystem fund is being set up to invest in Defi and other applications.
Finally, enterprise adoption is huge for blockchain. We firmly believe, practically, a large portion of the world's total transactions will be moved onto the blockchain. And we are already working with partners like cloud service providers and solution providers to help move small-to-medium sized enterprises onto cloud hosted blockchain based transactional systems. Such systems are configured as Findora public blockcain's subnetworks and the more adoptions we have, the more support to our Findora main chain and token utilities will occur..
明明：In terms of privacy protection, how does Findora do it, and what are the differences and advantages vs Oasis and Phala?
Paul Sherer：Findora uses Zero Knowledge Proofs technology to enable confidentiality and anonymity on blockchain. The privacy is native to the Findora chain. Findora offers several mechanisms to prevent leaking inference data to the public, e.g. patterns of behavior that are revealed when the same public key addresses are used across multiple transactions. Some of the enterprise oriented solutions we use on Findora include:
1). A fully anonymous sidechain that uses zero-knowledge proofs for complete anonymity (sender and receiver public keys are hidden), but it is possible to enable regulator viewing-keys that special authorized parties can use to break anonymity. A sidechain has an “owner” or a network of “shared ownership” who are able to delegate viewing keys to authorized parties.
2). Trusted ‘mixing’ services (e.g. a bank) who relay assets from a large pool of accounts to a new pool of accounts. Each user transfers its assets (confidentially) to the trusted mixer from an old account address, and then creates a fresh new address to which the mixer transfers back the same asset.
On public Findora services, Findora supports confidential asset tracers and delegatable viewing keys, which enables authorized parties to access the private information contained in transactions and user accounts. For many types of transactions, Findora enables partial confidentiality to comply with TATF requirements. And we do not recommend to use ring signatures and trustless coin mixers to enable anonymity as this will cause regulatory concerns.
Oasis and Phalal are both projects featuring TEE (trusted execution environment) . I personally think they are very legitimate projects and represent some interesting experiments to combine blockchain and TEE. If I have to talk about the difference, I would say Findora is focused on blockchain native privacy especially based on transparent cryptography that is secure and free of single point of failure. Versatile online transaction processing is definitely our emphasis.
明明：Cryptocurrencies ZEC, XMR, DASH and Grin, which emphasize privacy, were previously delisted by Bittrex. Will this affect Findora? How will Findora balance regulation and privacy?
Paul Sherer：Findora will not be affected by the recent regulatory restrictions placed on these private coins. Findora is a smart contract platform with auditable privacy features. As a financial public chain, Findora has always regarded compliance and auditability as its core functions (see Findora's white paper), and has identity functions such as financial passports, first of its kind in blockchain. The Findora mainnet token FRA is designed to comply with FATF (Financial Action Task Force)’s VASP compliance requirements. It is not a privacy currency and will not be affected.
All tokens created and issued on Findora will have privacy features and will be very different from the captioned privacy coins: 1. They are auditable while the others are not (that’s why Zcash and Monero and alikes raised some regulatory concerns); 2. privacy preserving coins on Findora support smart contracts (while the others are not). This is significant: you can program these coins like that on Ethereum. In the future, every token should have privacy features. Even Vitalik from Ethereum agreed. To us, the key is to maintain privacy (that everyone needs) while keeping the transparency.
明明：For DeFi, where does Findora think the next trend will be? What role can Findora play in it?
Paul Sherer：We see significant growth in DeFi applications over the coming decade. Finance assets can be simply broken down into several categories: equity, debt, their derivatives and currencies. The entire financial system is developed to deal with these. The DeFi experiment happening on (mainly) Ethereum is showcasing the power of being permissionless, frictionless and interoperable.
I personally think a hybrid of debt and equity and DAO as a new type of investment and governance vehicle look promising. Again, we will need a much more scalable network and manageable privacy setting to really achieve sustainable DeFi products. Findora can play an important role by providing privacy and high throughput solution (ZK based). And it is possible to introduce ZKiD.
明明：Blockchain is closely related to the financial industry. In addition to DeFi, what role can it play in traditional finance?
Paul Sherer：Findora’s capability of bringing in native privacy, identity and high security is especially interesting to enterprise users. We have so far received very positive reviews from our business partners and Findora is working with various partners to develop use cases, such as cross-border payment processing (where the user and transactional data stay local and private), supply chain finance solution (tokenize the account payables without sacrificing the supply contract data) and stable currency issuance.
Moreover, Findora can support the highly granular audit of IoT applications and Social Innovation programs including Healthcare and Clean Tech operations.
明明：Findora just ended the public offering early, why did you choose to end it early? What is the token model of Findora?
Paul Sherer：Our choice to complete our ICO early was an easy decision for the Findora Foundation. We have received overwhelming support from community members from many countries. Due to the very positive recent market movement, a lot of existing early purchasers suggested lowering the offering size and expanding the community development and research funds with longer vesting periods.
A democratic decision was made and the end result was smaller initial circulation and circulation within the first year. Our token model features lower inflation to deflation in terms of emission. We have up to 1% per year of total supply issued as block rewards for the first two years and then the community will run the meta-governance protocol to decide if the block reward will be canceled. Validators always earn transaction fees for their work.
The FRA token is the ultimate representation of the utilities on Findora blockchain. The token economics is designed to make sure the token will directly reflect the growth of the network and the aggregated asset scale on the network while keeping reasonable scarcity.
In addition to the common use cases of the tokens such as staking, gas fee, block creation rewards etc, such tokens are also being required for L2 liquidity mining, asset pooling, deployment of commercial applications and side ledgers, and more. For instance, the enterprises that deploy side ledgers for multi-party supply chain finance, trade financing, equity swap trading and KYC management will be required to pledge our system tokens.
明明：Findora provides "financial passports". What are these financial passports, how do they work？
Paul Sherer：Financial passports aggregate information about a user, starting with basic information about the user’s accreditation and financial identity, to credit rating/scores, AML whitelisting, etc. It’s very useful under a public blockchain setting.
All the information in a user’s passport is verified and signed by at least one verified authority or a group of validators, or can be brought in by confidential oracles from the out-of-the -blockchain world. These signed statements are presented in the form of cryptographic selective disclosure credentials. This means the information is authenticated in such a way that users can selectively reveal components of their identities without unnecessarily compromising the privacy of their entire personal financial profile.
Furthermore, users can demonstrate complex statements about their authenticated profile (e.g. an income range, or threshold conjunction of several qualifications) without revealing any precise personal details at all.
Financial passports function much like the public key infrastructure of the Internet. There are a set of root authorities or a network who are able to issue credentials to users and also endorse other sub-authorities with the privilege to issue credentials. Users can then store and manage their own credentials just as they would manage their cryptographic keys, and they may also elect to share or store their credentials with a third party custodian. This identity can be confidentially linked to a UTXO address through AIR (Address Identity Registry) without revealing anything on chain.