白开水宣布NPM新星计划- Neptune Mutual
为什么你需要参加NPM新星竞赛因为它能让你在我们的社区建设工作中发挥积极作用。 Neptune Mutual项目保障了以太坊社区免受当代金融产品的网络威胁。我们的投资者网络、合作伙伴和社区都是在捍卫以太坊和其他区块链生态系统免受网络威胁的原则下形成的。 像往常一样，我们很高兴根据社区的意见和反馈，推出NPM新星大赛。此外，请密切关注即将推出的大使计划。谁是NPM新星NPM新星是像你一样的社区成员，他们为我们的社区讨论渠道做出贡献，并帮助塑造海王星互助协议的未来。作为新星，你有能力通过我们的社区平台，特别是Discord和Twitter，提高人们的认识并鼓励积极合作。获奖者如何被选中首先，你必须使用Gleam注册参加本次比赛，并完成所有要求的任务。你在Gleam上完成的可选任务将被大奖得主的评选过程纳入。 https://gleam.io/D2oed/npm-rising-stars-first-batch 在Gleam上注册完成任务之后，加入我们的Discord服务器并开始参与我们的社区对话。带来你对我们协议的想法，提出问题，提供反馈，并在其他社区成员有问题时回答他们。成为我们社...
白开水什么是永续合约？
欢迎来到我们回归基础系列的第 2 部分，我们将在其中讨论什么是永续合约？并深入了解衍生品世界。在我们进入永续合约以及它们如何主导加密市场之前，让我们绕道而行，先了解衍生品的历史、衍生品是什么以及它们的类型。 沃伦·巴菲特 (Warren Buffet *) 曾将衍生品称为“大规模杀伤性金融武器”。*虽然巴菲特似乎对衍生品没有多大信心，但没有它们，全球金融体系就无法像今天这样运作。 衍生品的历史早在货币发明之前，人们一直在进行商品和服务的交易。如果我们追溯衍生品的起源，它起源于使用粘土代币的塞缪尔人，之后欧洲人使用公平信来买卖农业。如果我们快进到18世纪的日本，他们使用大米券，可以换取现金。这种新的交易方式从太平洋地区传到了北美，1848年，芝加哥期货交易所成立。今天，利率互换、货币衍生品和结构性产品都是源于这些古老商业方法的现代交易实践。 现在，让我们深入了解什么是现代衍生品？ 衍生品是两方或多方之间签订的金融合同，其价值来自另一相关金融资产的价格。它们的基础资产决定了其定价、风险和基本期限结构。 衍生价值的资产类型衍生品类型你也可以观看 "什么是衍生品 "的数学视频，以获得直观...
白开水Neptune Mutual Incentive Testnet Interaction Guide
Neptune Mutual is an open crypto asset insurance yield protocol that enables users to purchase insurance policies to protect their digital assets from hacking and exploitation. The protocol uses parametric insurance rather than discretionary insurance. It has a simple and reliable on-chain claims process.Neptune Mutual Got You Covered Get guaranteed payouts from our parametric cover model. Resolve incidents faster without the need for claims assessment. Receive Rewards Invest stablecoin liqui...
If i had to leave my life without you near me.
白开水宣布NPM新星计划- Neptune Mutual
为什么你需要参加NPM新星竞赛因为它能让你在我们的社区建设工作中发挥积极作用。 Neptune Mutual项目保障了以太坊社区免受当代金融产品的网络威胁。我们的投资者网络、合作伙伴和社区都是在捍卫以太坊和其他区块链生态系统免受网络威胁的原则下形成的。 像往常一样，我们很高兴根据社区的意见和反馈，推出NPM新星大赛。此外，请密切关注即将推出的大使计划。谁是NPM新星NPM新星是像你一样的社区成员，他们为我们的社区讨论渠道做出贡献，并帮助塑造海王星互助协议的未来。作为新星，你有能力通过我们的社区平台，特别是Discord和Twitter，提高人们的认识并鼓励积极合作。获奖者如何被选中首先，你必须使用Gleam注册参加本次比赛，并完成所有要求的任务。你在Gleam上完成的可选任务将被大奖得主的评选过程纳入。 https://gleam.io/D2oed/npm-rising-stars-first-batch 在Gleam上注册完成任务之后，加入我们的Discord服务器并开始参与我们的社区对话。带来你对我们协议的想法，提出问题，提供反馈，并在其他社区成员有问题时回答他们。成为我们社...
白开水什么是永续合约？
欢迎来到我们回归基础系列的第 2 部分，我们将在其中讨论什么是永续合约？并深入了解衍生品世界。在我们进入永续合约以及它们如何主导加密市场之前，让我们绕道而行，先了解衍生品的历史、衍生品是什么以及它们的类型。 沃伦·巴菲特 (Warren Buffet *) 曾将衍生品称为“大规模杀伤性金融武器”。*虽然巴菲特似乎对衍生品没有多大信心，但没有它们，全球金融体系就无法像今天这样运作。 衍生品的历史早在货币发明之前，人们一直在进行商品和服务的交易。如果我们追溯衍生品的起源，它起源于使用粘土代币的塞缪尔人，之后欧洲人使用公平信来买卖农业。如果我们快进到18世纪的日本，他们使用大米券，可以换取现金。这种新的交易方式从太平洋地区传到了北美，1848年，芝加哥期货交易所成立。今天，利率互换、货币衍生品和结构性产品都是源于这些古老商业方法的现代交易实践。 现在，让我们深入了解什么是现代衍生品？ 衍生品是两方或多方之间签订的金融合同，其价值来自另一相关金融资产的价格。它们的基础资产决定了其定价、风险和基本期限结构。 衍生价值的资产类型衍生品类型你也可以观看 "什么是衍生品 "的数学视频，以获得直观...
白开水Neptune Mutual Incentive Testnet Interaction Guide
Neptune Mutual is an open crypto asset insurance yield protocol that enables users to purchase insurance policies to protect their digital assets from hacking and exploitation. The protocol uses parametric insurance rather than discretionary insurance. It has a simple and reliable on-chain claims process.Neptune Mutual Got You Covered Get guaranteed payouts from our parametric cover model. Resolve incidents faster without the need for claims assessment. Receive Rewards Invest stablecoin liqui...
If i had to leave my life without you near me.
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Date: May 09, 2022, 8PM KST
Place: ICO Pantera Official Telegram Channel (https://t.me/panteragroup)
We’d like to thank everyone who participated in the AMA Session. We appreciate all of your assistance. In case you missed it, here’s a recap of the entire session:
日期： 2022 年 5 月 9 日，韩国标准时间晚上 8 点
地点： ICO Pantera 官方电报频道（https://t.me/panteragroup）
我们要感谢所有参加 AMA 会议的人。我们感谢您的所有帮助。如果你错过了，这里是整个会议的回顾：
A1: It is really our honor to conduct our very first AMA session with the ICO Pantera Community, we truly appreciated the warmth and diligent support ICO Pantera team has provided to us for the past few months.
Neptune Mutual is a P2P marketplace for parametric cover pools, as long as trigger events are validated, the cover purchasers are entitled to guaranteed payout without having to undergo individual claim assessments or authentication of loss proofs. Our early supporters include Fenbushi, Coinbase, Huobi, OKX, Animoca, GBV, GSR, ICO Pantera, and many more.
Neptune Mutual aims to provide cover solutions for Cefi, Defi, and Metaverse projects and has already reached agreements with a number of partners with announcements in the pipeline.
A1: 很荣幸与 ICO Pantera 社区进行第一次 AMA 会议，我们非常感谢 ICO Pantera 团队在过去几个月为我们提供的热情和勤奋的支持。
Neptune Mutual 是一个参数保险池的 P2P 市场，只要触发事件得到验证，保险购买者就有权获得保证支付，而无需进行个人索赔评估或损失证明的认证。我们的早期支持者包括分布式系统、Coinbase、火币、OKX、Animoca、GBV、GSR、ICO Pantera 等等。
Neptune Mutual 旨在为 Cefi、Defi 和 Metaverse 项目提供覆盖解决方案，并已与许多合作伙伴达成协议，并正在发布公告。
A1 (Gillian): The Staking Pools feature is created to reward the NPM token holder community by offering project native tokens as a staking reward. In the staking pools, users can stake their NPM tokens to receive many different ERC-20 tokens.
In the POD Staking Pools, users can stake their POD. As a reminder, PODs are the proof of deposit tokens that users get when they invest stablecoin liquidity into a project’s dedicated cover pool. Users are rewarded for staking their PODs with the project’s native token.
The difference between Staking and POD Staking Pools is that on the Staking Pools, you deposit NPM to receive rewards whereas in the POD Staking Pools, you deposit PODs. Aside from this difference, both features have exactly the same functionality.
A1 (Gillian): 质押池功能旨在通过提供项目原生代币作为质押奖励来奖励 NPM 代币持有者社区。在质押池中，用户可以质押他们的 NPM 代币以接收许多不同的 ERC-20 代币。
在 POD 质押池中，用户可以质押他们的 POD。提醒一下，POD 是用户在将稳定币流动性投资到项目的专用覆盖池时获得的存款代币证明。用户因使用项目的原生代币质押他们的 POD 而获得奖励。
Staking 和 POD Staking Pools 的区别在于，在 Staking Pools 上，您存入 NPM 以获得奖励，而在 POD Staking Pools 中，您存入 POD。除了这种差异之外，这两个功能都具有完全相同的功能。
A2 (Binod): Investing is always subject to risk.
When investing stablecoin into dedicated cover pools in the Neptune Mutual marketplace, users take on a number of risks, including: the underwriting risk associated with the cover policies, which would need to be paid to policyholders if an incident arises; and smart contract risk. One advantage of these stablecoin cover pools is that there is no risk that token price volatility influences the amount of capital in the pools, the amount paid to liquidity providers, or the amount paid out to policyholders in the event of an incident.
In terms of smart contract risks, we follow best practices, Security is our top priority. Before our protocol is launched, we will publicly release our audit report(s). We will engage more audit companies to get regular audits done.
As we have witnessed numerous supply-chain attacks against DeFi apps, smart contract audits alone are not enough. We plan to do more:
**1. Smart Contract Security: **Role-based access control, Well-structured, properly-defined, and fine-tuned ACL usage that conforms to the principle of least privilege, Internal Solidity security guidelines, Adherence to SWC Registry guidelines, Unit Testing & Test Stories (BDD), Source code analyzers: static, dynamic, and subscription-based, Third-party smart contract audit(s)
2. Application Testing: Penetration testing, Stress testing
3. Proper Cyber Hygiene
4. Supply-chain Security and Monitoring: Dependency audit, HTTP security, DNS security, Secrets, and access key usage audit, Favoring pull over push when deploying
5. Bug Bounties
**A2 (Binod):**投资总是有风险的。
在将稳定币投资到 Neptune Mutual 市场的专用保险池时，用户会承担许多风险，包括： 与保险单相关的承保风险，如果发生事故，需要向投保人支付；和智能合约风险。这些稳定币保障池的一个优势是，代币价格波动不会影响池中的资金量、支付给流动性提供者的金额或在发生事故时支付给投保人的金额。
在智能合约风险方面，我们遵循最佳实践，安全是我们的首要任务。在我们的协议启动之前，我们将公开发布我们的审计报告。我们将聘请更多的审计公司进行定期审计。
正如我们目睹了许多针对 DeFi 应用程序的供应链攻击，仅智能合约审计是不够的。我们计划做更多：
智能合约安全性：基于角色的访问控制、结构良好、定义正确且经过微调的 ACL 使用，符合最小权限原则、内部 Solidity 安全指南、遵守 SWC 注册表指南、单元测试和测试故事 (BDD)、源代码分析器：静态、动态和基于订阅的第三方智能合约审计
应用测试：渗透测试、压力测试
适当的网络卫生
供应链安全和监控：依赖审计、HTTP安全、DNS安全、Secrets和访问密钥使用审计，部署时支持pull over push
漏洞赏金
A3 (Gillian): Utility of NPM, mainly in a few areas:
Cover creators need to burn & stake NPM tokens in order to create a new cover pool.
Liquidity providers are required to stake a certain number of NPM tokens during the process of investing stablecoin liquidity into a cover pool.
Users can stake NPM tokens in the staking pools to earn rewards in the form of cover project native tokens.
Most importantly, anyone can stake NPM tokens to become an incident reporter, in the protocol incident resolution process.
NPM shall be available to be acquired via DEX and/or CEX after initial placement, details shall be announced soon.
To find out how to obtain discounted NPM tokens by using the bond pool feature within the Neptune Mutual application, have a look at Video 8 — Bond Pool on the Neptune Mutual YouTube channel.
A3 (Gillian): NPM的实用性，主要在几个方面：
封面创建者需要销毁和质押 NPM 代币才能创建新的封面池。
流动性提供者在将稳定币流动性投资到掩护池的过程中，需要质押一定数量的 NPM 代币。
用户可以在质押池中质押 NPM 代币，以覆盖项目原生代币的形式获得奖励。
最重要的是，在协议事件解决过程中，任何人都可以质押 NPM 代币成为事件报告者。
NPM 可在初始放置后通过 DEX 和/或 CEX 获得，详细信息将很快公布。
要了解如何使用 Neptune Mutual 应用程序中的债券池功能获得打折的 NPM 代币，请观看Neptune Mutual YouTube频道上的Video 8 — Bond Pool
A4 (Edward): Neptune Mutual’s policies are based on the parametric model. The parametric model enables policyholders to receive guaranteed payout in case of a trigger event. Since each cover will have its own parameters, rules, and exclusions, policyholders must properly check all the details before buying a cover.
The party that compensates for risks such as hacks (or as written in the cover parameters) is known as the underwriter or Liquidity Provider. The LPs pool risks together based on their belief that a project is secure. A cover project can demonstrate their support to the LPs by offering to become the initial LP and risking their own fund for their own project. In addition to this, cover projects can offer token rewards to incentivize more liquidity providers to join them.
As a user, you can choose your final payout amount in advance, when purchasing a policy. The payouts given to the policyholders are not based on our or anyone’s discretion. Neptune Mutual does not discriminate against policyholders coming to file their claims. The protocol either provides payouts to everyone in case of trigger event resolution, or no one in case of false reporting.
A4 (Edward): Neptune Mutual 的政策基于参数模型。参数模型使投保人能够在触发事件的情况下获得保证支付。由于每个保险都有自己的参数、规则和除外责任，因此投保人在购买保险之前必须正确检查所有详细信息。
补偿黑客等风险的一方（或如封面参数中所写）被称为承销商或流动性提供者。有限合伙人基于他们对项目安全的信念将风险集中在一起。封面项目可以通过提供成为初始 LP 并为自己的项目冒着自己的资金风险来证明他们对 LP 的支持。除此之外，封面项目可以提供代币奖励，以激励更多流动性提供者加入他们。
作为用户，您可以在购买保单时提前选择最终支付金额。给予投保人的赔付并非基于我们或任何人的判断。Neptune Mutual 不会歧视前来提出索赔的保单持有人。该协议要么在触发事件解决的情况下向所有人提供支付，要么在虚假报告的情况下不向任何人提供支付。
A5 (Binod): The SDK is written in Typescript and Solidity. Although the SDKs can be accessed by beginners, we recommend seasoned developers to use them for a production application.
Typescript/Javascript -
The team behind a cover project can use the SDK to add cover features to their web3 app, both frontend and backend environments are supported. Anyone with Typescript/Javascript knowledge can use the SDK to bring coverage features to their application.
Solidity -
In addition to the frontend integration, anyone can deploy a distributor contract by using our audited `NPMDistributor.sol` example contract. The distributor contract allows you to specify how much fee you want to charge, your treasury address, and more. When policies are purchased via your distributor contract, your treasury address will receive the fees. Other features like claiming a policy, adding liquidity, and removing liquidity are also supported.
A5 (Binod): SDK 是用 Typescript 和 Solidity 编写的。尽管初学者可以访问 SDK，但我们建议经验丰富的开发人员将它们用于生产应用程序。
Typescript/Javascript -
封面项目背后的团队可以使用 SDK 为他们的 web3 应用程序添加封面功能，前端和后端环境都受支持。任何具有 Typescript/Javascript 知识的人都可以使用 SDK 为他们的应用程序带来覆盖功能。
Solidity -
除了前端集成之外，任何人都可以使用我们经过审核的NPMDistributor.sol示例合约来部署分销商合约。经销商合同允许您指定要收取多少费用、您的财务地址等。当通过您的经销商合同购买保单时，您的财务地址将收到费用。还支持其他功能，例如申请保单、增加流动性和消除流动性。
A6 (Edward): The NPM Rising Star Contest is designed to raise awareness and encourage positive collaboration via our community platforms, particularly Discord and Twitter. You can increase your Rising Star level by participating in the following Discord channels:
rising-stars
testnet-feedback
product-feature-requests
In terms of rewards, there are monthly prizes and then a grand prize.
For the monthly prizes, the Rising Star of the Month gets 250 USD, and 5 runners up each receive 50 USD. For the grand prize, there is a 1500 USD split between 3 members from the winner list. The super star receives 1000 USD and runner-ups each receive 250 USD.
For these and more details follow our Neptune Mutual Medium channel.
The Ambassador program is different and more details will be announced in due course.
A6 (Edward): NPM新星大赛旨在通过我们的社区平台（尤其是Discord和Twitter ）提高认识并鼓励积极合作。您可以通过参与以下 Discord 频道来提高您的新星等级：
后起之秀
测试网反馈
产品功能请求
在奖励方面，有月奖，然后是大奖。
对于每月奖品，当月新星获得 250 美元，5 名亚军每人获得 50 美元。对于大奖，获胜者名单中的 3 名成员将瓜分 1500 美元。超级明星获得 1000 美元，亚军每人获得 250 美元。
有关这些以及更多详细信息，请关注我们的 Neptune Mutual Medium频道。
大使计划有所不同，更多细节将在适当时候公布。
A7 (Gillian): Yes, Neptune Mutual launched the application on testnet on March 10th and we ran a hugely popular leaderboard where participants gained points both for using the different features of the application as well as completing bug reports to help us improve the user experience of the platform.
Well over 20,000 users participated over the course of the month in using our application and providing us feedback and valuable data.
Rewards for our testnet competition will be announced this week. One user will unlock the Gold Vault and a second user will unlock the Silver Box — cash prize to be revealed this week, and 100 other winners will receive 100 USD of NPM tokens at the IDO round price.
A7 (Gillian): 是的，Neptune Mutual 于 3 月 10 日在测试网上推出了该应用程序，我们运行了一个非常受欢迎的排行榜，参与者通过使用应用程序的不同功能以及完成错误报告来帮助我们改善用户体验而获得积分平台的。
超过 20,000 名用户在一个月内参与了使用我们的应用程序并为我们提供反馈和有价值的数据。
我们的测试网竞赛的奖励将于本周公布。一位用户将解锁 Gold Vault，另一位用户将解锁 Silver Box——现金奖励将于本周揭晓，另外 100 名获奖者将以 IDO 轮的价格获得 100 美元的 NPM 代币。
A8 (Binod): Neptune Mutual protocol provides a platform for the projects, underwriters, and policyholder communities to minimize risks. Underwriters add stablecoin funds to a cover pool to pool the risks, also known as liquidity providers. Cover projects are themselves initial underwriters to bootstrap liquidity to the pool. Cover projects reward the liquidity provider community by offering incentives, which makes it attractive to the LPs to pool more funds for their cover.
Policyholders can minimize their market risks by purchasing protection/coverage. If a trigger event or incident happens after the coverage start period and before coverage expiry, the policyholders are entitled to receive payouts. The payouts can be claimed following incidents based on an unbiased, on-chain resolution by NPM governance participants.
In addition to the above, Neptune Mutual is also building other cover-related products and actively participating in the underwriting of the market risks by assessing projects, identifying potential security risks, and funding qualified cover pools via Bond program.
A8 (Binod): Neptune Mutual 协议为项目、承销商和投保人社区提供了一个平台，以最大限度地降低风险。承销商将稳定币资金添加到保险池中以分担风险，也称为流动性提供者。覆盖项目本身就是初始承销商，以引导资金池的流动性。掩护项目通过提供激励来奖励流动性提供者社区，这使得 LP 为他们的掩护汇集更多资金具有吸引力。
投保人可以通过购买保障/保险来最小化他们的市场风险。如果在保险开始期之后和保险到期之前发生触发事件或事件，投保人有权获得赔付。根据 NPM 治理参与者的公正、链上解决方案，可以在事件发生后索取支出。
除此之外，Neptune Mutual 还在构建其他与保险相关的产品，并通过债券计划评估项目、识别潜在的安全风险、为合格的保险池提供资金等方式，积极参与市场风险的承保。
A9 (Edward): The most important function for Neptune Mutual is to bring together projects that need to manage platform risks, users that need protection for crypto assets, and investors that are keen to benefit from demand for underwriting. Our marketplace brings these parties together in one platform, so that each party will be better off in playing a role within the P2P insurance ecosystem.
Parametric cover removes the risk you take with discretionary insurance providers that you are denied your payout claim when you most need it.
Neptune Mutual cover pools offer guaranteed payout upon incident resolution. Each dedicated cover pool underwrites up to a maximum limit of the total liquidity in the cover pool. In traditional insurance pools, the same dollar is used to underwrite a number of different risks on the basis that these risk events are unlikely to occur at the same time. We will be publishing a Medium article shortly about the use of what is called fractionalised reserve systems. What is important to understand is that the Neptune Mutual marketplace has been designed to minimize risk for all stakeholders, and so being able to provide an absolute guarantee that there will always be sufficient liquidity in the cover pools to meet the underwriting risk seemed to us to be really important to users of the platform.
Other discretionary cover pools do not have a guaranteed payout feature as they adopt fractionalized reserves. Another key point is that cover pools within Neptune Mutual are denominated in stablecoins, liquidity providers can supply stablecoin and expect to earn stablecoin yield composed of fee income & lending incomes. The reason stablecoins are used is to remove dependency on market beta (price volatility) and achieve long-term sustainability.
Also no membership is required to participate in Neptune Mutual, everyone is welcome and the liquidity providers’s proof of deposit token is a ERC20 fungible yield-bearing token that can be traded in the secondary market.
A9 (Edward): Neptune Mutual 最重要的功能是将需要管理平台风险的项目、需要保护加密资产的用户以及渴望从承销需求中受益的投资者聚集在一起。我们的市场将这些各方聚集在一个平台上，以便每一方都能更好地在 P2P 保险生态系统中发挥作用。
参数保险消除了您在全权委托保险提供商处承担的风险，即您在最需要的时候被拒绝支付索赔。
Neptune Mutual 保险池在事件解决后提供保证支付。每个专用保障池承保最高限额为保障池中的总流动性。在传统的保险池中，相同的美元用于承保许多不同的风险，因为这些风险事件不太可能同时发生。我们将很快发表一篇关于使用所谓的分权储备系统的 Medium 文章。重要的是要理解，海王星互助市场的设计旨在最大限度地降低所有利益相关者的风险，因此能够提供绝对保证，即保障池中始终有足够的流动性来应对承保风险。对平台的用户非常重要。
其他可自由支配的保险池不具有保证支付功能，因为它们采用了分散的准备金。另一个关键点是海王互惠的覆盖池以稳定币计价，流动性提供者可以提供稳定币，并期望获得由手续费收入和借贷收入组成的稳定币收益。使用稳定币的原因是消除对市场贝塔（价格波动）的依赖并实现长期可持续性。
参与海王互助也不需要会员资格，欢迎大家，流动性提供者的存款证明代币是可以在二级市场交易的ERC20可替代收益代币。
A10 (Gillian): The Bond Pool feature is inspired by the idea of Protocol-Owned Liquidity feature conceptualized by OlympusDAO. However, unlike the former, NPM tokens are not infinite and inflationary and therefore we will not have always-ongoing Bond campaigns.
The Bond Pool function will only be announced in seasons. For each season of Bond Pool availability, there will be a fixed allocation of NPM tokens offered at a discounted price.
As a user, you may use the Bond Pool functionality to exchange your NPM/DAI pair tokens for discounted NPM tokens after a week of waiting (lockup period). After your lockup period, you can claim your bond to receive discounted NPM tokens instead of the Uniswap v2 LP tokens.
As a protocol, we use Bond to bootstrap POL (Protocol-Owned Liquidity), increase the liquidity depth of the NPM tokens on DEXes, and raise underwriting risk capital for qualified cover projects.
A10 (Gillian): 债券池功能的灵感来自 OlympusDAO 概念化的 Protocol-Owned Liquidity 功能。然而，与前者不同的是，NPM 代币不是无限的和通货膨胀的，因此我们不会有一直持续的债券活动。
债券池功能只会在赛季中公布。对于债券池可用性的每个季节，都会以折扣价提供固定分配的 NPM 代币。
作为用户，您可以在等待一周（锁定期）后，使用债券池功能将您的 NPM/DAI 对代币兑换成打折的 NPM 代币。在您的锁定期之后，您可以要求您的债券获得打折的 NPM 代币，而不是 Uniswap v2 LP 代币。
作为一种协议，我们使用 Bond 来引导 POL（Protocol-Owned Liquidity），增加 DEX 上 NPM 代币的流动性深度，并为合格的覆盖项目筹集承销风险资本。
All the questions we prepared are over. If you have anything to say lastly, please:
我们准备的所有问题都结束了。如果你最后有什么要说的，请讲：
Thanks for everybody here to spend precious evening time with us, We are grateful and excited to be building the solution with support from the most amazing and supportive community at ICO Pantera. Stay tuned for more updates!
感谢大家在晚上与我们共度宝贵的时光，我们很高兴也很高兴能够在 ICO Pantera 最令人惊叹和支持的社区的支持下构建解决方案。敬请期待更多的更新！
Sign-Off
Binod:
Thanks for inviting us to this AMA.
It has been a real pleasure answering your questions today. Thanks so much for your interest in our project. We really appreciate your support and hope that you might join our Neptune Mutual community … in our social media channels, and above all in our application when it goes live on mainnet.
Thanks again and keep in touch with us 🙂
Binod:
感谢您邀请我们参加本次 AMA。
今天很高兴回答您的问题。非常感谢您对我们项目的兴趣。我们非常感谢您的支持，并希望您可以加入我们的 Neptune Mutual 社区……在我们的社交媒体渠道中，尤其是当它在主网上上线时加入我们的应用程序中。
再次感谢并与我们保持联系🙂
Gillian:
谢谢大家，晚上好，请随时在我们的 tg 或 discord 中提出任何其他问题！
Neptune Mutual is a cover protocol that enables users to purchase cover policies to protect their digital assets from hacks and exploits. The protocol uses parametric cover as opposed to discretionary insurance. It has an easy and reliable on-chain claim process. This means that when incidents are confirmed by our community, resolution is fast and payouts to all cover policyholders are guaranteed.
Join us in our mission to cover, protect, and secure on-chain digital assets.
Neptune Mutual 是一种保险协议，使用户能够购买保险政策以保护其数字资产免受黑客攻击和利用。该协议使用参数保险而不是全权保险。它具有简单可靠的链上索赔流程。这意味着，当我们的社区确认事件时，解决速度很快，并且保证向所有保险投保人支付。
加入我们的使命，覆盖、保护和保护链上数字资产。
Official Website — https://neptunemutual.com Blog — https://neptunemutual.medium.com/ Twitter — https://twitter.com/neptunemutual Reddit — https://www.reddit.com/r/NeptuneMutual Telegram — https://t.me/neptunemutual Discord — https://discord.gg/2qMGTtJtnW YouTube — https://www.youtube.com/c/NeptuneMutual
Date: May 09, 2022, 8PM KST
Place: ICO Pantera Official Telegram Channel (https://t.me/panteragroup)
We’d like to thank everyone who participated in the AMA Session. We appreciate all of your assistance. In case you missed it, here’s a recap of the entire session:
日期： 2022 年 5 月 9 日，韩国标准时间晚上 8 点
地点： ICO Pantera 官方电报频道（https://t.me/panteragroup）
我们要感谢所有参加 AMA 会议的人。我们感谢您的所有帮助。如果你错过了，这里是整个会议的回顾：
A1: It is really our honor to conduct our very first AMA session with the ICO Pantera Community, we truly appreciated the warmth and diligent support ICO Pantera team has provided to us for the past few months.
Neptune Mutual is a P2P marketplace for parametric cover pools, as long as trigger events are validated, the cover purchasers are entitled to guaranteed payout without having to undergo individual claim assessments or authentication of loss proofs. Our early supporters include Fenbushi, Coinbase, Huobi, OKX, Animoca, GBV, GSR, ICO Pantera, and many more.
Neptune Mutual aims to provide cover solutions for Cefi, Defi, and Metaverse projects and has already reached agreements with a number of partners with announcements in the pipeline.
A1: 很荣幸与 ICO Pantera 社区进行第一次 AMA 会议，我们非常感谢 ICO Pantera 团队在过去几个月为我们提供的热情和勤奋的支持。
Neptune Mutual 是一个参数保险池的 P2P 市场，只要触发事件得到验证，保险购买者就有权获得保证支付，而无需进行个人索赔评估或损失证明的认证。我们的早期支持者包括分布式系统、Coinbase、火币、OKX、Animoca、GBV、GSR、ICO Pantera 等等。
Neptune Mutual 旨在为 Cefi、Defi 和 Metaverse 项目提供覆盖解决方案，并已与许多合作伙伴达成协议，并正在发布公告。
A1 (Gillian): The Staking Pools feature is created to reward the NPM token holder community by offering project native tokens as a staking reward. In the staking pools, users can stake their NPM tokens to receive many different ERC-20 tokens.
In the POD Staking Pools, users can stake their POD. As a reminder, PODs are the proof of deposit tokens that users get when they invest stablecoin liquidity into a project’s dedicated cover pool. Users are rewarded for staking their PODs with the project’s native token.
The difference between Staking and POD Staking Pools is that on the Staking Pools, you deposit NPM to receive rewards whereas in the POD Staking Pools, you deposit PODs. Aside from this difference, both features have exactly the same functionality.
A1 (Gillian): 质押池功能旨在通过提供项目原生代币作为质押奖励来奖励 NPM 代币持有者社区。在质押池中，用户可以质押他们的 NPM 代币以接收许多不同的 ERC-20 代币。
在 POD 质押池中，用户可以质押他们的 POD。提醒一下，POD 是用户在将稳定币流动性投资到项目的专用覆盖池时获得的存款代币证明。用户因使用项目的原生代币质押他们的 POD 而获得奖励。
Staking 和 POD Staking Pools 的区别在于，在 Staking Pools 上，您存入 NPM 以获得奖励，而在 POD Staking Pools 中，您存入 POD。除了这种差异之外，这两个功能都具有完全相同的功能。
A2 (Binod): Investing is always subject to risk.
When investing stablecoin into dedicated cover pools in the Neptune Mutual marketplace, users take on a number of risks, including: the underwriting risk associated with the cover policies, which would need to be paid to policyholders if an incident arises; and smart contract risk. One advantage of these stablecoin cover pools is that there is no risk that token price volatility influences the amount of capital in the pools, the amount paid to liquidity providers, or the amount paid out to policyholders in the event of an incident.
In terms of smart contract risks, we follow best practices, Security is our top priority. Before our protocol is launched, we will publicly release our audit report(s). We will engage more audit companies to get regular audits done.
As we have witnessed numerous supply-chain attacks against DeFi apps, smart contract audits alone are not enough. We plan to do more:
**1. Smart Contract Security: **Role-based access control, Well-structured, properly-defined, and fine-tuned ACL usage that conforms to the principle of least privilege, Internal Solidity security guidelines, Adherence to SWC Registry guidelines, Unit Testing & Test Stories (BDD), Source code analyzers: static, dynamic, and subscription-based, Third-party smart contract audit(s)
2. Application Testing: Penetration testing, Stress testing
3. Proper Cyber Hygiene
4. Supply-chain Security and Monitoring: Dependency audit, HTTP security, DNS security, Secrets, and access key usage audit, Favoring pull over push when deploying
5. Bug Bounties
**A2 (Binod):**投资总是有风险的。
在将稳定币投资到 Neptune Mutual 市场的专用保险池时，用户会承担许多风险，包括： 与保险单相关的承保风险，如果发生事故，需要向投保人支付；和智能合约风险。这些稳定币保障池的一个优势是，代币价格波动不会影响池中的资金量、支付给流动性提供者的金额或在发生事故时支付给投保人的金额。
在智能合约风险方面，我们遵循最佳实践，安全是我们的首要任务。在我们的协议启动之前，我们将公开发布我们的审计报告。我们将聘请更多的审计公司进行定期审计。
正如我们目睹了许多针对 DeFi 应用程序的供应链攻击，仅智能合约审计是不够的。我们计划做更多：
智能合约安全性：基于角色的访问控制、结构良好、定义正确且经过微调的 ACL 使用，符合最小权限原则、内部 Solidity 安全指南、遵守 SWC 注册表指南、单元测试和测试故事 (BDD)、源代码分析器：静态、动态和基于订阅的第三方智能合约审计
应用测试：渗透测试、压力测试
适当的网络卫生
供应链安全和监控：依赖审计、HTTP安全、DNS安全、Secrets和访问密钥使用审计，部署时支持pull over push
漏洞赏金
A3 (Gillian): Utility of NPM, mainly in a few areas:
Cover creators need to burn & stake NPM tokens in order to create a new cover pool.
Liquidity providers are required to stake a certain number of NPM tokens during the process of investing stablecoin liquidity into a cover pool.
Users can stake NPM tokens in the staking pools to earn rewards in the form of cover project native tokens.
Most importantly, anyone can stake NPM tokens to become an incident reporter, in the protocol incident resolution process.
NPM shall be available to be acquired via DEX and/or CEX after initial placement, details shall be announced soon.
To find out how to obtain discounted NPM tokens by using the bond pool feature within the Neptune Mutual application, have a look at Video 8 — Bond Pool on the Neptune Mutual YouTube channel.
A3 (Gillian): NPM的实用性，主要在几个方面：
封面创建者需要销毁和质押 NPM 代币才能创建新的封面池。
流动性提供者在将稳定币流动性投资到掩护池的过程中，需要质押一定数量的 NPM 代币。
用户可以在质押池中质押 NPM 代币，以覆盖项目原生代币的形式获得奖励。
最重要的是，在协议事件解决过程中，任何人都可以质押 NPM 代币成为事件报告者。
NPM 可在初始放置后通过 DEX 和/或 CEX 获得，详细信息将很快公布。
要了解如何使用 Neptune Mutual 应用程序中的债券池功能获得打折的 NPM 代币，请观看Neptune Mutual YouTube频道上的Video 8 — Bond Pool
A4 (Edward): Neptune Mutual’s policies are based on the parametric model. The parametric model enables policyholders to receive guaranteed payout in case of a trigger event. Since each cover will have its own parameters, rules, and exclusions, policyholders must properly check all the details before buying a cover.
The party that compensates for risks such as hacks (or as written in the cover parameters) is known as the underwriter or Liquidity Provider. The LPs pool risks together based on their belief that a project is secure. A cover project can demonstrate their support to the LPs by offering to become the initial LP and risking their own fund for their own project. In addition to this, cover projects can offer token rewards to incentivize more liquidity providers to join them.
As a user, you can choose your final payout amount in advance, when purchasing a policy. The payouts given to the policyholders are not based on our or anyone’s discretion. Neptune Mutual does not discriminate against policyholders coming to file their claims. The protocol either provides payouts to everyone in case of trigger event resolution, or no one in case of false reporting.
A4 (Edward): Neptune Mutual 的政策基于参数模型。参数模型使投保人能够在触发事件的情况下获得保证支付。由于每个保险都有自己的参数、规则和除外责任，因此投保人在购买保险之前必须正确检查所有详细信息。
补偿黑客等风险的一方（或如封面参数中所写）被称为承销商或流动性提供者。有限合伙人基于他们对项目安全的信念将风险集中在一起。封面项目可以通过提供成为初始 LP 并为自己的项目冒着自己的资金风险来证明他们对 LP 的支持。除此之外，封面项目可以提供代币奖励，以激励更多流动性提供者加入他们。
作为用户，您可以在购买保单时提前选择最终支付金额。给予投保人的赔付并非基于我们或任何人的判断。Neptune Mutual 不会歧视前来提出索赔的保单持有人。该协议要么在触发事件解决的情况下向所有人提供支付，要么在虚假报告的情况下不向任何人提供支付。
A5 (Binod): The SDK is written in Typescript and Solidity. Although the SDKs can be accessed by beginners, we recommend seasoned developers to use them for a production application.
Typescript/Javascript -
The team behind a cover project can use the SDK to add cover features to their web3 app, both frontend and backend environments are supported. Anyone with Typescript/Javascript knowledge can use the SDK to bring coverage features to their application.
Solidity -
In addition to the frontend integration, anyone can deploy a distributor contract by using our audited `NPMDistributor.sol` example contract. The distributor contract allows you to specify how much fee you want to charge, your treasury address, and more. When policies are purchased via your distributor contract, your treasury address will receive the fees. Other features like claiming a policy, adding liquidity, and removing liquidity are also supported.
A5 (Binod): SDK 是用 Typescript 和 Solidity 编写的。尽管初学者可以访问 SDK，但我们建议经验丰富的开发人员将它们用于生产应用程序。
Typescript/Javascript -
封面项目背后的团队可以使用 SDK 为他们的 web3 应用程序添加封面功能，前端和后端环境都受支持。任何具有 Typescript/Javascript 知识的人都可以使用 SDK 为他们的应用程序带来覆盖功能。
Solidity -
除了前端集成之外，任何人都可以使用我们经过审核的NPMDistributor.sol示例合约来部署分销商合约。经销商合同允许您指定要收取多少费用、您的财务地址等。当通过您的经销商合同购买保单时，您的财务地址将收到费用。还支持其他功能，例如申请保单、增加流动性和消除流动性。
A6 (Edward): The NPM Rising Star Contest is designed to raise awareness and encourage positive collaboration via our community platforms, particularly Discord and Twitter. You can increase your Rising Star level by participating in the following Discord channels:
rising-stars
testnet-feedback
product-feature-requests
In terms of rewards, there are monthly prizes and then a grand prize.
For the monthly prizes, the Rising Star of the Month gets 250 USD, and 5 runners up each receive 50 USD. For the grand prize, there is a 1500 USD split between 3 members from the winner list. The super star receives 1000 USD and runner-ups each receive 250 USD.
For these and more details follow our Neptune Mutual Medium channel.
The Ambassador program is different and more details will be announced in due course.
A6 (Edward): NPM新星大赛旨在通过我们的社区平台（尤其是Discord和Twitter ）提高认识并鼓励积极合作。您可以通过参与以下 Discord 频道来提高您的新星等级：
后起之秀
测试网反馈
产品功能请求
在奖励方面，有月奖，然后是大奖。
对于每月奖品，当月新星获得 250 美元，5 名亚军每人获得 50 美元。对于大奖，获胜者名单中的 3 名成员将瓜分 1500 美元。超级明星获得 1000 美元，亚军每人获得 250 美元。
有关这些以及更多详细信息，请关注我们的 Neptune Mutual Medium频道。
大使计划有所不同，更多细节将在适当时候公布。
A7 (Gillian): Yes, Neptune Mutual launched the application on testnet on March 10th and we ran a hugely popular leaderboard where participants gained points both for using the different features of the application as well as completing bug reports to help us improve the user experience of the platform.
Well over 20,000 users participated over the course of the month in using our application and providing us feedback and valuable data.
Rewards for our testnet competition will be announced this week. One user will unlock the Gold Vault and a second user will unlock the Silver Box — cash prize to be revealed this week, and 100 other winners will receive 100 USD of NPM tokens at the IDO round price.
A7 (Gillian): 是的，Neptune Mutual 于 3 月 10 日在测试网上推出了该应用程序，我们运行了一个非常受欢迎的排行榜，参与者通过使用应用程序的不同功能以及完成错误报告来帮助我们改善用户体验而获得积分平台的。
超过 20,000 名用户在一个月内参与了使用我们的应用程序并为我们提供反馈和有价值的数据。
我们的测试网竞赛的奖励将于本周公布。一位用户将解锁 Gold Vault，另一位用户将解锁 Silver Box——现金奖励将于本周揭晓，另外 100 名获奖者将以 IDO 轮的价格获得 100 美元的 NPM 代币。
A8 (Binod): Neptune Mutual protocol provides a platform for the projects, underwriters, and policyholder communities to minimize risks. Underwriters add stablecoin funds to a cover pool to pool the risks, also known as liquidity providers. Cover projects are themselves initial underwriters to bootstrap liquidity to the pool. Cover projects reward the liquidity provider community by offering incentives, which makes it attractive to the LPs to pool more funds for their cover.
Policyholders can minimize their market risks by purchasing protection/coverage. If a trigger event or incident happens after the coverage start period and before coverage expiry, the policyholders are entitled to receive payouts. The payouts can be claimed following incidents based on an unbiased, on-chain resolution by NPM governance participants.
In addition to the above, Neptune Mutual is also building other cover-related products and actively participating in the underwriting of the market risks by assessing projects, identifying potential security risks, and funding qualified cover pools via Bond program.
A8 (Binod): Neptune Mutual 协议为项目、承销商和投保人社区提供了一个平台，以最大限度地降低风险。承销商将稳定币资金添加到保险池中以分担风险，也称为流动性提供者。覆盖项目本身就是初始承销商，以引导资金池的流动性。掩护项目通过提供激励来奖励流动性提供者社区，这使得 LP 为他们的掩护汇集更多资金具有吸引力。
投保人可以通过购买保障/保险来最小化他们的市场风险。如果在保险开始期之后和保险到期之前发生触发事件或事件，投保人有权获得赔付。根据 NPM 治理参与者的公正、链上解决方案，可以在事件发生后索取支出。
除此之外，Neptune Mutual 还在构建其他与保险相关的产品，并通过债券计划评估项目、识别潜在的安全风险、为合格的保险池提供资金等方式，积极参与市场风险的承保。
A9 (Edward): The most important function for Neptune Mutual is to bring together projects that need to manage platform risks, users that need protection for crypto assets, and investors that are keen to benefit from demand for underwriting. Our marketplace brings these parties together in one platform, so that each party will be better off in playing a role within the P2P insurance ecosystem.
Parametric cover removes the risk you take with discretionary insurance providers that you are denied your payout claim when you most need it.
Neptune Mutual cover pools offer guaranteed payout upon incident resolution. Each dedicated cover pool underwrites up to a maximum limit of the total liquidity in the cover pool. In traditional insurance pools, the same dollar is used to underwrite a number of different risks on the basis that these risk events are unlikely to occur at the same time. We will be publishing a Medium article shortly about the use of what is called fractionalised reserve systems. What is important to understand is that the Neptune Mutual marketplace has been designed to minimize risk for all stakeholders, and so being able to provide an absolute guarantee that there will always be sufficient liquidity in the cover pools to meet the underwriting risk seemed to us to be really important to users of the platform.
Other discretionary cover pools do not have a guaranteed payout feature as they adopt fractionalized reserves. Another key point is that cover pools within Neptune Mutual are denominated in stablecoins, liquidity providers can supply stablecoin and expect to earn stablecoin yield composed of fee income & lending incomes. The reason stablecoins are used is to remove dependency on market beta (price volatility) and achieve long-term sustainability.
Also no membership is required to participate in Neptune Mutual, everyone is welcome and the liquidity providers’s proof of deposit token is a ERC20 fungible yield-bearing token that can be traded in the secondary market.
A9 (Edward): Neptune Mutual 最重要的功能是将需要管理平台风险的项目、需要保护加密资产的用户以及渴望从承销需求中受益的投资者聚集在一起。我们的市场将这些各方聚集在一个平台上，以便每一方都能更好地在 P2P 保险生态系统中发挥作用。
参数保险消除了您在全权委托保险提供商处承担的风险，即您在最需要的时候被拒绝支付索赔。
Neptune Mutual 保险池在事件解决后提供保证支付。每个专用保障池承保最高限额为保障池中的总流动性。在传统的保险池中，相同的美元用于承保许多不同的风险，因为这些风险事件不太可能同时发生。我们将很快发表一篇关于使用所谓的分权储备系统的 Medium 文章。重要的是要理解，海王星互助市场的设计旨在最大限度地降低所有利益相关者的风险，因此能够提供绝对保证，即保障池中始终有足够的流动性来应对承保风险。对平台的用户非常重要。
其他可自由支配的保险池不具有保证支付功能，因为它们采用了分散的准备金。另一个关键点是海王互惠的覆盖池以稳定币计价，流动性提供者可以提供稳定币，并期望获得由手续费收入和借贷收入组成的稳定币收益。使用稳定币的原因是消除对市场贝塔（价格波动）的依赖并实现长期可持续性。
参与海王互助也不需要会员资格，欢迎大家，流动性提供者的存款证明代币是可以在二级市场交易的ERC20可替代收益代币。
A10 (Gillian): The Bond Pool feature is inspired by the idea of Protocol-Owned Liquidity feature conceptualized by OlympusDAO. However, unlike the former, NPM tokens are not infinite and inflationary and therefore we will not have always-ongoing Bond campaigns.
The Bond Pool function will only be announced in seasons. For each season of Bond Pool availability, there will be a fixed allocation of NPM tokens offered at a discounted price.
As a user, you may use the Bond Pool functionality to exchange your NPM/DAI pair tokens for discounted NPM tokens after a week of waiting (lockup period). After your lockup period, you can claim your bond to receive discounted NPM tokens instead of the Uniswap v2 LP tokens.
As a protocol, we use Bond to bootstrap POL (Protocol-Owned Liquidity), increase the liquidity depth of the NPM tokens on DEXes, and raise underwriting risk capital for qualified cover projects.
A10 (Gillian): 债券池功能的灵感来自 OlympusDAO 概念化的 Protocol-Owned Liquidity 功能。然而，与前者不同的是，NPM 代币不是无限的和通货膨胀的，因此我们不会有一直持续的债券活动。
债券池功能只会在赛季中公布。对于债券池可用性的每个季节，都会以折扣价提供固定分配的 NPM 代币。
作为用户，您可以在等待一周（锁定期）后，使用债券池功能将您的 NPM/DAI 对代币兑换成打折的 NPM 代币。在您的锁定期之后，您可以要求您的债券获得打折的 NPM 代币，而不是 Uniswap v2 LP 代币。
作为一种协议，我们使用 Bond 来引导 POL（Protocol-Owned Liquidity），增加 DEX 上 NPM 代币的流动性深度，并为合格的覆盖项目筹集承销风险资本。
All the questions we prepared are over. If you have anything to say lastly, please:
我们准备的所有问题都结束了。如果你最后有什么要说的，请讲：
Thanks for everybody here to spend precious evening time with us, We are grateful and excited to be building the solution with support from the most amazing and supportive community at ICO Pantera. Stay tuned for more updates!
感谢大家在晚上与我们共度宝贵的时光，我们很高兴也很高兴能够在 ICO Pantera 最令人惊叹和支持的社区的支持下构建解决方案。敬请期待更多的更新！
Sign-Off
Binod:
Thanks for inviting us to this AMA.
It has been a real pleasure answering your questions today. Thanks so much for your interest in our project. We really appreciate your support and hope that you might join our Neptune Mutual community … in our social media channels, and above all in our application when it goes live on mainnet.
Thanks again and keep in touch with us 🙂
Binod:
感谢您邀请我们参加本次 AMA。
今天很高兴回答您的问题。非常感谢您对我们项目的兴趣。我们非常感谢您的支持，并希望您可以加入我们的 Neptune Mutual 社区……在我们的社交媒体渠道中，尤其是当它在主网上上线时加入我们的应用程序中。
再次感谢并与我们保持联系🙂
Gillian:
谢谢大家，晚上好，请随时在我们的 tg 或 discord 中提出任何其他问题！
Neptune Mutual is a cover protocol that enables users to purchase cover policies to protect their digital assets from hacks and exploits. The protocol uses parametric cover as opposed to discretionary insurance. It has an easy and reliable on-chain claim process. This means that when incidents are confirmed by our community, resolution is fast and payouts to all cover policyholders are guaranteed.
Join us in our mission to cover, protect, and secure on-chain digital assets.
Neptune Mutual 是一种保险协议，使用户能够购买保险政策以保护其数字资产免受黑客攻击和利用。该协议使用参数保险而不是全权保险。它具有简单可靠的链上索赔流程。这意味着，当我们的社区确认事件时，解决速度很快，并且保证向所有保险投保人支付。
加入我们的使命，覆盖、保护和保护链上数字资产。
Official Website — https://neptunemutual.com Blog — https://neptunemutual.medium.com/ Twitter — https://twitter.com/neptunemutual Reddit — https://www.reddit.com/r/NeptuneMutual Telegram — https://t.me/neptunemutual Discord — https://discord.gg/2qMGTtJtnW YouTube — https://www.youtube.com/c/NeptuneMutual
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