Viewing profile — nahollander

The collateral can be any other asset that is represented by a cryptographic token. Right now, few crypto-assets map to real world assets in some capacity, but we're willing to mak…

The collateral is held in a smart contract -- if the borrower disappears and fails to make a repayment, his collateral becomes eligible for seizure.

This happens quite regularly in the world of margin trading. Imagine the following: 1. I own ETH, and want to hold my ETH position so I can enjoy price increases, but I need liquid…

In the current implementation / use cases we're focused on, your collateral, which is held in a smart contract, would become eligible for seizure by the lender.

Thank you! :) We've pretty deliberately opted out of baking jurisdiction-specific protections (be they KYC / AML, accreditation, etc.) into the protocol insofar as we really want t…

Beat me to the reply :) Indeed, even with a fixed supply token, a borrower would simply have to come across the necessary amount of principal + interest in the loan term.

Yes -- two parties are permitted to lend money to one another in a mutually agreed environment. It's important to note, though, that developers who build end-user applications on t…

Thank you for pointing this out -- I've flagged our team and we're looking into it.

Yup -- there are several. The most mature relayer project on Dharma we're aware of is Bloqboard (bloqboard.com), though I believe they are not ready to launch on mainnet quite yet.…

Thanks for the kind words! In the short-term, as you correctly alluded to, we're focused on loans that are fully-collateralized on-chain. In the future, however, we hope to integra…

Thank you! Glad to hear that you enjoyed the tutorial. There are numerous ways in which Dharma debt agreements can interface with insurance contracts: 1. We've already seen some me…

Greetings HN! My name’s Nadav Hollander, and I’m the founder of Dharma Labs ( https://dharma.io ). At Dharma, we are creating a suite of protocols, standards, and developer tools f…

Debt agreements aren't required to be underwritten in every instance -- it's an entirely optional addition. If you want to see an example of a debt agreement in which there is no u…

For points 1 and 2, it's no secret :) See for yourself: https://whitepaper.dharma.io For point ,: you're correct in that we (as in the crypto community in general) have yet to come…

@kang -- while I don't disagree that there's no shortage of snake oil and hand-waving in the blockchain industry ("Blockchain for X! Huzzah!"), I do disagree with your point about …

In all seriousness, this isn't a _totally_ unreasonable proposition -- Vitalik proposed an interesting route for creating stable tokens using baskets of debt obligations in a CDO f…

Hey HN! We're the team behind Dharma protocol, building the infrastructure for the tokenized debt agreements on the Ethereum blockchain. In this code school, we teach you how to bu…