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Voice Session in Telegram, Cibola Guests

January 12 / 5:00 pm

Satoshi Club, Cibola
500$ prize

How to join the event?
Subscribe @satoshiclub
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Timeline

Part 1

$100/6 users – We’ll select 6 questions from the community. A user can post maximum 3 questions. 6 Questions will be selected from our website – please submit your questions in the comments section of this post.

Part 2

$100 /10 users – Open chat for 120 seconds. You can post Max 3 questions. Cibola Team will select 10 questions and answer them.

Part 3

$300 – A quiz about Cibola

Rules

Total Reward pool

500$

Requirements
For more details

165 Comments

  1. As a fintech lending company,Can you walk me through the steps and procedures on how I can apply to obtain a debt capital loan from @cibolaFinance?What eligibility criteria and requirements must I obtain before my application can be approved and granted?

  2. I notice CibolaFinance offers 10.4% and 6.4% yields on its junior and senior pools respectively. How do these yields compare to other DeFi lending protocols and what makes your rates so competitive? Furthermore, will the yields remain static or fluctuate based on underlying portfolio performance? Finally, what risks should users be aware of in chasing the highest yields across DeFi platforms?

  3. Hello Cibola team , glad to have you here on satoshi club –
    You mention accelerating DeFi rewards with traditional finance spreads and volume. Could you elaborate on how integrating real world assets and companies unlocks additional yield opportunities? Given the nascency of DeFi-TradFi convergence, what challenges have you faced and overcome in designing your platform? Also, what compliance standards are in place to meet regulatory requirements associated with traditional finance?

    • The current market is quite active, but in the future there may be a downtrend market situation, so what has the team prepared so that their project can still develop well even if the market goes down in the future?

  4. I’m interested to learn more about Sivo’s role as the initial lone borrower in the Cibola protocol. What is Sivo’s background and how did you partner with them? As the sole borrower to start, how much capital are they seeking to borrow and what strategies will those funds be allocated towards? Looking ahead, what is the process and criteria for onboarding new external borrowers down the line?

  5. Greetings Cibola !
    I read in your whitepaper that Cibola is built on AWS for scalability and cost-efficiency. Why did you choose AWS over other cloud providers? Given Cibola’s decentralized nature, how does relying on a centralized cloud provider align with the ethos of DeFi? Additionally, what steps have you taken to ensure the security of user funds stored and transmitted through AWS infrastructure?

  6. I see Cibola supports deposits and withdrawals in both stablecoins and fiat currencies. Can you elaborate on the flow for fiat on/off ramping? What payment providers and bank relationships enable these capabilities? Furthermore, how does compliance work with respect to KYC/AML for fiat transactions? What jurisdictional challenges have you faced in supporting both crypto and fiat assets?

  7. I’m intrigued by Cibola’s fiat on-ramp allowing deposits in USD, GBP, EUR etc. This provides a much smoother entry for mainstream users. How exactly does the fiat integration work under the hood? What regulatory requirements or licenses were needed to enable direct bank transfers? Additionally, what decentralized solutions are you exploring to reduce reliance on centralized financial plumbing long-term?

  8. Welcome Cibola Protocol! Looking forward to learning more about your project today.
    I understand Cibola uses an algorithmic interest rate model based on supply and demand for each pool. How often is the utilization ratio and interest rate recalculated? Is it on every transaction or batched at fixed intervals? Also, what measures are in place to prevent drastic rate changes on small volume fluctuations? Finally, besides incentives, how does this dynamic interest approach benefit users versus a fixed rate?

  9. I understand Cibola has a senior and junior pool with different yields and risks.
    Why does Cibola use a two pool structure versus a single pooled market?
    What are the benefits of splitting supplies and borrowers across two pools?
    Also, is there possibility for more fragmentation like this in future, such as industry-specific pools? Finally, how much yield divergence do you expect between senior and junior pools in various market conditions?

  10. Hi Cibola Protocol, thanks for taking the time to chat with us today.
    I see CIBO tokens are distributed daily to stoken holders as rewards. What is the process for calculating and distributing these rewards? Is there a fixed schedule and amount, or does it dynamically vary? Also, do stoken holders need to claim rewards or are they automatically compounded? Finally, is there a lock-up period before rewarded CIBO tokens can be transferred?

  11. Glad to have you Cibola team.
    Regarding CIBO’s utility, how specifically will token holders be able to participate in governance? Will votes be weighted based on staking for example? Also, what types of parameters and upgrades will be subject to community governance? Finally, besides governance rights, what other utility does CIBO provide and what expanded use cases do you envision long-term as the protocol matures?

  12. I understand sTokens currently lack secondary market liquidity and exchange listings. Does Cibola have plans to facilitate liquidity for sTokens, either via OTC trading or DEX integration? What challenges exist in bootstrapping liquidity for new DeFi token projects? Also, will limited liquidity and potential price volatility deter some users from supplying? Finally, what options exist for users who want to exit their position before maturity?

  13. Hello there Cibola team, so happy you could join our AMA event today.
    So , Cibola currently supports ETH, USDC, and USDT. When can we expect integration for other stablecoins like DAI or algorithmic ones like FRAX? Also, what is the process and timeline for supporting non-USD fiat like GBP or EUR? Finally, how does Cibola evaluate which new assets to onboard in order to balance adoption vs. maintaining solid collateral?

  14. Regarding borrowing against deposits – why is this feature not enabled currently? Is it a regulatory constraint or technical limitation? Also, when can users expect borrowing against collateral to be supported? Finally, what loan-to-value ratios and rates can users expect for borrowing against their sToken deposits when released?

  15. I see Cibola has not announced any official airdrop plans yet. However, does the protocol ever plan to reward early adopters or community members via retroactive airdrops? Also, would airdrops be based on platform usage, governance participation, or other factors if conducted? Finally, besides airdrops, what other growth incentives like referrals does Cibola offer or have planned for the community?

  16. Hello Cibola Team!

    In light of the innovative approach taken by Cibola in decentralized finance, particularly in fostering liquidity for both lenders and borrowers, could you elaborate on the specific mechanisms employed within the protocol to adapt interest rates algorithmically based on the changing dynamics of supply and demand? Additionally, how does Cibola ensure transparency in reporting loan originations, repayments, and overall protocol activities, especially considering its integration with Sivo as the sole borrower?

    Thankyou.

  17. Hello Cibola Team!

    In terms of the Cibola token ($CIBO), beyond its role in rewarding user participation and governing the protocol, could you delve into the potential future utilities or enhancements planned for $CIBO? Additionally, how does the protocol address potential challenges or risks associated with algorithmic interest rates, especially in scenarios where there might be rapid fluctuations in supply and demand? Lastly, considering the protocol operates on a private blockchain hosted on AWS, what measures are in place to maintain security and prevent potential vulnerabilities, and how does Cibola plan to adapt its architecture for seamless integration with various EVM-compatible blockchains, layer-two side-chains, and optimistic roll-ups?

    Thankyou.

  18. Hello Cibola Team!

    By expanding on the Cibola protocol, can you provide further insight into the risk management strategies embedded in the SENIOR and JUNIOR groups? Specifically, how does Cibola ensure the protection of senior investors while providing higher returns relative to the junior group? Additionally, with Sivo acting as the sole borrower currently, what plans or criteria are expected to include external borrowers and originators into the Cibola pool, thereby ensuring a diversified and sustainable lending ecosystem?

    Thankyou.

  19. (1/3) Given the emphasis on real-world assets and the collaboration with Sivo for debt capital provision, could you elaborate on the due diligence and risk assessment processes in place to evaluate potential borrowers or loan originators? How does Cibola ensure the collateral requirements and ongoing revenue metrics, coupled with risk assessments, contribute to sustaining zero monetary losses in operations, as claimed by the protocol?

  20. (2/3) Furthermore, regarding the user experience, can you provide additional details on the withdrawal process from Cibola pools? Specifically, how are withdrawal requests prioritized, and what terms govern the fulfillment of these requests? Additionally, how does the protocol handle situations where the demand for withdrawal exceeds the available liquidity in a pool?

  21. (3/3) In terms of the integration with traditional financial systems, such as ACH, domestic wire, and SWIFT, for fiat currency deposits, how does Cibola navigate the regulatory landscape and ensure compliance with financial regulations, especially in different jurisdictions? Are there plans to expand the range of supported fiat currencies, and how does the protocol mitigate potential challenges associated with real-time fund settlement, particularly with RTP or FedNow integration?

  22. Greetings Cibola Team.

    With the protocol’s innovative use of sTokens, can you provide a deeper understanding of how these tokens function within the Cibola ecosystem? Specifically, how are sTokens assigned to users, and what mechanisms govern their exchange rates with base tokens, such as USDC or other crypto assets? Additionally, how does the acceleration and deceleration of exchange rates during times of high demand or low supply impact user incentives and participation?

    Thankyou.

  23. Greetings Cibola Team!

    In the pursuit of broader inclusivity within its asset support framework, can you elucidate Cibola’s strategic roadmap concerning the expansion of supported crypto assets beyond USDC? Delving into the protocol’s approach, I am curious to understand the specific criteria and risk mitigation mechanisms in place to ensure stability while accommodating a diverse range of crypto assets. How does Cibola navigate the inherent risks associated with varying market behaviors and volatility across different types of assets, and what measures are envisaged to maintain a resilient and balanced ecosystem as the protocol widens its crypto asset offerings?

    Thankyou.

  24. Greetings Cibola Team!

    In fostering a robust foundation for the Cibola protocol, particularly concerning its security and dependability, could you expound upon the meticulous procedures implemented for the regular auditing of smart contracts? With a focus on ensuring the utmost integrity, are there sustained endeavors to engage in collaborative partnerships with external auditing firms? Furthermore, in the eventuality of identifying potential vulnerabilities during these audits, what comprehensive strategies does Cibola employ to swiftly and effectively address and rectify such issues, ensuring a continuous commitment to the protocol’s resilience and user trust?

    Thankyou.

  25. Given Cibola’s role as a primitive credit protocol for real-world assets, could you explain in detail the specific categories and nature of real-world assets that Cibola prioritizes in its loan origination process? And how does the protocol carefully establish and maintain mechanisms to ensure the legitimacy and quality of these assets, ensuring a strong foundation for initial lending and instilling trust among participants in the Cibola ecosystem?

  26. Given that Cibola has successfully originated 1.2 billion in loans, I’m curious to understand the multifaceted factors that underpin this accomplishment. Could you expound upon the specific strategies and features within the Cibola protocol that contribute to its allure for borrowers across various markets and industries? Moreover, in the face of the inherent complexities posed by diverse global markets, could you shed light on the adaptive measures and dynamic mechanisms Cibola employs to not only navigate but consistently thrive amidst these challenges, ensuring a sustained and robust level of loan origination?

  27. Within the Cibola ecosystem, I want to learn a comprehensive understanding of the multifaceted mechanisms that empower users to get results. Can you explain these mechanisms, specifically explain how algorithmic interest rates, which are carefully calculated based on the dynamic interaction of supply and demand, synergize with the diverse pool of loans offered by Cibola? In the competition between algorithmic precision and diversified lending structures, how do these protocols ensure a balance that not only provides competitive advantages for liquidity providers but also fosters a sustainable and resilient environment in the decentralized financial landscape?

  28. Hello Cibola Team!

    This My Question: In considering the diverse asset type landscape, in addition to the current support for stablecoin assets, can you provide an explanation of Cibola’s strategic vision regarding the potential inclusion of diverse assets? Specifically, does Cibola have plans to add a broader range of assets, covering both cryptocurrencies and traditional fiat currencies in its range of acceptable deposit methods? How does Cibola envision navigating this merger of different asset types, and what steps are in place to ensure a seamless and inclusive expansion of acceptable deposit methods to meet the preferences and needs of an ever-growing user base? Thankyou.

  29. Hi, this Question is Targetted towards The Available Pools within the CIBOLA ecosystem.

    Going through your website, I learnt that Cibola offers 2 basic Pools, which are junior and senior pools with market competitive rates. Can you explain the concept of liquidity provision in CIBOLA crypto pools and how it contributes to earning rewards? What factors should one consider when choosing a crypto pool for staking or providing liquidity? Are there any risks associated with participating in both the JUNIOR & SENIOR pool, and they can be mitigated?
    Thanks

  30. Greetings CIBOLA team!

    The Crypto space is growing and there have been alot of interest in Maximising profit rather than losses. As Beginners.
    Can you provide the best tips for looking to optimize our gains within your pools without taking excessive risks? How does impermanent loss impact potential gains for liquidity providers within your pools? Are there specific trends or upcoming developments in the crypto space that could affect our rewards within your pools?
    Thanks

  31. About Borrowing,
    In your whitepaper, you stated that The Cibola protocol has a single borrower, “Sivo” which Is in charge of the entire borrowing process. Now, could you kindly tell us how does Sivo determine the necessary amount for a borrow event in the Cibola protocol? Is there any room for External Borrowers? How exactly does Cibola assess and maintain an equivalent level of risk and collateralization for both Sivo and external borrowers? In what ways does the Cibola protocol ensure transparency in the borrowing process for users? Lastly can users monitor the report related to loan originations and repayments initiated by Sivo within the Cibola app?

  32. With Regards to Payments within your Ecosystem, I learnt that In situations where Sivo no longer requires funds that were previously borrowed from the
    protocol, they will be repaid to the Cibola protocol including interest. First of all, Are there any specific conditions or terms associated with the repayment process that users should be aware of? How does the repayment of funds, including interest, impact the supply and demand calculations made by the Cibola protocol? In a nutshell, How does Sivo initiate the repayment process for funds borrowed from the Cibola protocol?

  33. After carefully reading through your whitepaper, i understood that you have a number of Services within your ecosystem, which ranges from Supplying Stablecoin Assets & Supplying Fiat Currency. My question here is, what are the supported blockchains to which users can request funds to be sent in the Cibola protocol? In the process of receiving fiat currency, what details do users need to provide for the destination bank account, and are there specific delivery methods they can choose from? How does the Cibola protocol handle and prioritize withdrawal requests submitted by users? Can users track the status of their withdrawal requests, and if so, what information is provided to them?

    • Before requesting to withdraw funds in Cibola, it is said that this requests will only be fulfilled based on priorities and terms attached to each pool. So are you implying that one pool have a different terms/priorities from the other and what are these terms/priorities? After making this request, it is said that users can receive fiat currency, is it just $USDC or are there other fiats and can it be send directly to their bank accounts if possible or to their wallets? Can users also receive funds through $CIBO and is there a limit or percentage of funds user will have to withdraw? Explain thanks

      • I want to know what is motivating Cibola interest in SME and traditional business growth, or are there other interests involved when this business eventually succeeds? And if there are, I would like to know please

  34. Hello Cibola Team.!

    In user interactions with Cibola, especially those who choose to supply fiat currency from their bank accounts, I wanted to study the ON-RAMP integration process. Can you explain how seamless this integration is, specifically in addressing the user experience with methods like ACH, domestic wire transfers (designed specifically for the United States), or SWIFT (with a focus on international wire transfers)? Additionally, how exactly did Cibola engineer this integration to simplify the entire process, ensuring not only efficiency but also increased accessibility for users engaging with the protocol from diverse geographic locations and financial contexts? Thankyou.

  35. Concerning governance in Cibola protocol, users are given the opportunity to earn $CIBO when they participate in your governance. So what are the governance rules you have set up in your platform? Will users vote only on a limited number of governance issues or everything from development updates to smart contract revisions? If a users holds some large amount of $CIBO and then abuse their power to sway their vote in their favor, what will be done at this point? What if voting turn out low, will you continue with the vote? Please tell us the % of $CIBO to be given to users who participate in your governance. Thanks

  36. Hello Cibola Team!

    Given Cibola’s focus on real-world assets and its connection with traditional finance practices, can you provide insights into how the protocol navigates the intersection of decentralized finance with more traditional financial systems? Are there partnerships or collaborations in place to bridge these domains effectively?

    Thankyou.

  37. Hello Cibola Team!

    My Question: In reference to the withdrawal process in Cibola, you mention that requests are fulfilled based on priorities and terms attached to each pool. Could you elaborate on the distinct terms and priorities associated with each pool, and how these factors influence the withdrawal fulfillment process?

    Thankyou.

  38. Hello Cibola Team!

    My Question: When users request funds withdrawal, you mention the possibility of receiving fiat currency. Is this limited to $USDC, or are other fiat currencies supported? Additionally, can users opt to have funds directly transferred to their bank accounts, and are there alternative options, such as transferring to wallets?

    Thankyou.

  39. Hello Cibola Team!

    Lastly, Regarding fund withdrawals, is it possible for users to receive funds in the form of $CIBO tokens? If so, are there limitations or a percentage of funds that users need to adhere to when withdrawing in $CIBO tokens?

    Thankyou.

  40. Within the wide range of services covered in the Cibola ecosystem, the variety of offerings ranges from the supply of stablecoin assets to facilitating fiat currency transactions, prompting a different question: Can you explain, the supported blockchains available to users who wish to request funds within the multifaceted framework of the Cibola protocol?

  41. In the area of ​​financial transactions in the Cibola protocol, specifically studying the process of paying out funds, which includes the principal amount and accrued interest, could you explain the various conditions and conditions that are woven into this payment mechanism, explaining the steps that must be carefully considered by users? Moreover, with a view to the protocol’s operational dynamics, how is this careful payment process reflected in supply and demand calculations, thus becoming an important influence on the balance and functionality of the protocol as a whole?

  42. With a single borrower, Sivo, in charge of borrowing, how does Sivo determine the necessary amount for a borrow event within the Cibola protocol? Are there plans to incorporate external borrowers, and how will Cibola assess and maintain a consistent level of risk and collateralization for both Sivo and external borrowers?

  43. On the concept of providing liquidity in the Cibola crypto pool, can you provide an explanation of how this concept works and its role in earning rewards? Additionally, what factors should users consider when choosing between junior and senior pools for staking or providing liquidity?

  44. While Cibola has not announced any official airdrop plans, is there any consideration of rewarding early adopters or community members through airdrops in the future? Apart from the airdrop, what other growth incentives or referral programs does Cibola offer or plan to implement to the community?

  45. Can you provide a detailed explanation of how Cibola’s algorithmic interest rate model dynamically adjusts during liquidity events, and what mechanisms are in place to balance supply and demand for capital within each lending pool?

  46. You mentioned a vast discrepancy in the ability to receive debt at non-prohibitive interest rates based on geography. Could you provide examples of how Cibola is designed to mitigate these disparities and create a more equitable landscape for borrowers worldwide?

  47. Highlighted by Alphabet’s bond issuance with a low-interest rate, how does Cibola implement risk management strategies to ensure that borrowers, especially fintech startups in developing countries, can access sufficient debt capital without compromising the protocol’s financial health?

  48. Partnering with Sivo seems integral to Cibola’s operations. Could you elaborate on the nature of this partnership, especially how Sivo’s role as the sole borrower contributes to Cibola’s objective of removing barriers around debt financing for both lenders and borrowers?

  49. You mentioned that Sivo has funded over 25,000 loans with no monetary loss which is impressive. Can you provide insight into how Sivo achieved this track record, particularly as it relates to collateral requirements, sustainable revenue metrics, and risk assessments that contribute to continued operational success?

  50. Exploring the liquidity provision aspect, how does the algorithmic interest model implemented by Cibola incentivize users to become liquidity providers, and what measures are in place to balance the supply of capital from liquidity providers with the real-world demand from SMEs?

  51. The availability of multiple lending pools, including junior and senior tranches, adds a layer of flexibility for liquidity providers. How does Cibola ensure a diverse range of lending pools, and how can liquidity providers match their risk/reward profiles with their investment needs within these pools?

  52. Beyond being the sole borrower, how does Sivo collaborate with Cibola to identify and partner with other borrowers or loan originators? Can you provide examples of successful collaborations that have contributed to Cibola’s mission of removing barriers around debt financing?

  53. You mentioned interest rate disparities, such as Alphabet securing a bond for less than 1% interest. How does Cibola aim to level the playing field in terms of interest rates, especially for smaller businesses and fintech startups, and what mechanisms are in place to ensure fair and competitive rates?

  54. Hi greetings team Cibola

    In order to earn yield on Cibola, you’ll need to deposit funds into a pool. Cibola operates two pools, a junior pool and a senior pool.Can you tell us if there is a fixed amount to be deposited into each of this pool?How long does it take for a user to withdraw from the pool? what’s the percentage rate apportioned to each pool? Can you also explain how you tend to manage users deposit and interest? Kindly share Thanks

  55. Beyond providing debt capital, how does Cibola anticipate its operations contributing to the broader economic landscape? Are there specific indicators or metrics the protocol monitors to gauge its impact on the economic growth of regions where borrowers are utilizing capital?

  56. Small and Medium Enterprises (SMEs) often face challenges in obtaining favorable debt financing. Could you elaborate on how Cibola tailors its approach to specifically benefit SMEs, and are there success stories or notable examples of SMEs thriving through Cibola’s credit primitive protocol?

  57. Considering the retail investor perspective, how does Cibola create yield opportunities for individuals seeking to earn returns on their asset surplus? Are there specific features or mechanisms in place that make Cibola an attractive option for retail investors compared to traditional avenues?

  58. With multiple lending pools offering different risk/reward profiles, how does Cibola ensure that liquidity providers receive risk-adjusted returns in alignment with their portfolio targets and investment needs? Can you provide insights into the mechanisms for matching risk preferences with investment options?

  59. Hello Cibola Team!
    This Simple Question: In a landscape with various DeFi protocols, what sets Cibola apart as a unique and innovative credit primitive protocol? Are there specific features, strategies, or partnerships that distinguish Cibola from other projects in the decentralized finance space?

  60. Fintech startups in developing countries often struggle due to capital constraints. How does Cibola foresee impacting the survival rates of these startups, and are there success stories where Cibola’s credit primitive protocol played a pivotal role in supporting and sustaining fintech ventures?

  61. Expanding on collateral requirements, how does Cibola assess the adequacy of collateral provided by borrowers, and what risk mitigation strategies are in place to safeguard the interests of liquidity providers, ensuring a secure and resilient lending ecosystem?

  62. Beyond removing barriers around debt financing, how does Cibola actively contribute to fostering financial inclusion, particularly for individuals and businesses in regions that traditionally face challenges in accessing financial services?

  63. Cibola is implemented on AWS Cloud technology for scalability and performance. Could you elaborate on specific AWS features leveraged by Cibola to ensure high scalability, optimal performance, and cost-effectiveness in the delegation of supplied funds, regardless of investment size?

  64. For users providing fiat currency from their bank accounts, how does Cibola facilitate real-time fund settlement with methods like ACH, domestic wire (in the United States), or SWIFT (international wire)? What additional considerations are taken for seamless and timely on-ramp flow?

  65. Could you provide a detailed explanation of the role of sTokens within the Cibola protocol, particularly within the “Earn” contract? How do these sTokens interact with user-supplied funds and contribute to liquidity operations, and what benefits do users receive by holding these tokens?

  66. Detailing the utility of the $CIBO token, how does it function in terms of rewarding user participation in Cibola pools and governing the protocol for new features and financial products? What specific governance decisions can $CIBO holders participate in, and how is the distribution of $CIBO managed?

  67. In practical terms, how can users actively earn yield through the Cibola protocol? What steps do users need to take, and are there different strategies or considerations for depositing funds into the junior pool compared to the senior pool to optimize yield generation?

  68. Delving into the senior pool, could you provide a comprehensive explanation of its mechanics? How is the yield structured, and what priorities are in place when it comes to the return of capital for the senior pool compared to the junior pool after borrower repayments?

  69. To get a loan in a traditional bank, you must provide documents and go through validation and eligibility processes. However, this process is unnecessary for a crypto platform,so here in Cibola what are some of the criteria needed to be eligible for loans?Will KYC be necessary?How long does it take for an application to be approved?in terms of risk management how secured is Cibola?are you done with your audit? Explain

  70. Hello Cibola Team
    I’m really interested with the mechanism of lending and borrowing from the partnership of Sivo and Cibola. But, I see the program is still in early access period and the submission form can be viewed by certain organisation. So, How can early retail investors and huge investors participate into Cibola ecosystem currently ? Do you provide an demo app for some new investors that wanna try the mechanism of deposit, lending/borrowing, and withdraw of Cibola ? Lastly, When we can expect the full public access of Cibola for all the investors ? Can you share the roadmap of Cibola for us ?
    Thank you

  71. Hello Cibola Team
    I understand that Cibola is a decentralized lending and borrowing protocol that focused on collateralized loans to small and midsize enterprises. With the partnership with Sivo as the funder of lending products in Cibola, Could you tell us how’s the mechanism of lending and borrowing in Cibola, including the collateral requirements, risk assessments, etc. I also saw that Cibola provides 2 lending pools including Junior and Senior Tranche with different yield. Could you tell us what are the difference between both of them, including the risk/reward, pool types, live yield, etc ? Lastly, Could you tell us the guide how to become the liquidity provider (LP) in Cibola ? What is the minimum of asset can we provide into the liquidity ?
    Thank you

  72. Hello Cibola
    I found out that the Cibola provides loan in form of debth capital for its users which is powered by Sivo. Please can you provide us with details about the debth capitap, how we can process it and the criterias necessary to be qualified for this debth

  73. Sibola is supporting on of the fasted growing stable coin, which is the USDC and will soon support other stables and also fiats so please my question is, why did Cibola choose USDC among other stables

  74. Hello,
    I have a very short question please.
    Can the cibola sToken be traded on other exchange, decentralized or centralized? If yes please provide us with list of this exchanges

  75. Can you elaborate on the risk management aspect of Cibola’s decentralized finance protocol, particularly regarding the multiple pools available for investors to match their risk appetite and interest criteria, and how the algorithmic interest rate model ensures appropriate liquidity based on supply and demand of capital?

  76. How does Cibola’s decentralized finance protocol differentiate itself in offering users the opportunity to earn yield from stablecoin and fiat assets, especially with its unique backing of loans made to real-world fintechs in emerging markets by Sivo?

  77. How does Cibola leverage Sivo to power its innovative decentralized finance protocol, specifically in providing users with loans in the form of debt capital, and what unique features or benefits does this collaboration bring to the users of the platform?

  78. “Sivo provides debt capital to the world’s top Fintech lenders backed by investors including Y Combinator, a16z, Sequoia and Softbank”

    Especially Y Combinator and Sequoia phrase is very essential who knows entrepreneurship and startup ecosystem indeed. So how regulative-adapted products or lets say hybrid products is Cibola able to produce in its capacity?

  79. It is said that cibola has a single borrower called the “SIVO” so that as demands for capital grows, sivo will trigger a borrow event for the necessary amount, it is said the SIVO protocol ensures borrowing transparency. Please what is SIVO? Please kindly explain how SIVO ensure transparency in the borrowing events? It is also said that when the protocol grows and the total value locked exceeds the Loan demand from SIVO, external borrowers will be allowed to participate in the event, Who are external borrowers and how are they different from the internal borrowers? What advantages do internal borrowers have over external borrowers? What requirements will guarantee an external borrower to be allowed to participate in the Borrowing event ? And what are the requirements to be an internal borrower?

  80. Sivo provides debt capital to the world’s leading fintech lenders backed by investors such as Y Combinator, a16z, Sequoia and Softbank. Could you explain what the youth pool and the pool for seniors at Cibola consist of? What are the assets with which Cibola has an agreement? Can anyone have access to Cibola?

  81. Leveraging proven TradFi and DeFi practices, explain how I can accelerate my rewards with cibola? How can I earn $CIBO? Since I participate in the governance of the Cibola protocol, can I get early access? What assets does Cibola support? Can I get loans with cibola?

  82. Currently the global debt market is very isolated. This is negatively affecting both retail and wholesale investors. How does Cibola finance help these investors earn a return on their surplus? Does Cibola Finance have the ability to allocate debt capital for retail or are there any limitations? Could you explain what the interest rates are like?

  83. Generally the opportunity to supply corporate debt is accessible only to large investors and often becomes a cumbersome process. For borrowers, is there a discrepancy or problem in the ability to receive debt? Is there any type of law that prohibits it? Currently and geographically for which countries is Cibola valid? Do interest rates vary depending on the country where you are residing?

  84. I remember very well that in 2020, Alphabet, Google’s parent company, issued a bond to borrow $10 billion in investment grade corporate debt for less than 1% interest. Does Cibola intend to carry out the same negotiations with debtors as Alphabet did in 2020? Does Cibola offer multiple Loan Pools? How does the protocol flow begin to emerge once the user requests the debt?

  85. There are countless financial technology (fintech) startups in developing or rapidly industrializing countries that have viable business and revenue models but are being forced to close down. How does Cibola help you raise enough debt capital to expand your operations? Does the Cibola protocol allow anyone to be a supplier? How are Cibola loans divided?

  86. With supply in every pool, Cibola partners with Sivo to identify and partner with borrowers or loan originators. To date, how many loans have you managed to complete? Which countries are positioned in terms of loan application and processing in the history of Cibola? Have Cibola or the companies associated with it experienced any type of monetary loss? At the level of risk assessments, how safe are their operations?

  87. The company has not suffered monetary losses in operations due to collateral requirements. The protocol flow begins when users supply funds. These funds are then used by Sivo to fund fintech lending products through Sivo’s debt-as-a-service API and consumer credit creation product. What are the approaches that both platforms implement? What technology is Cibola implementing to provide its users with scalability, profitability and performance? Can I as a user deposit funds through stable currency?

  88. Cibola will initially launch on the Ethereum mainnet and provide EVM-compatible integrations. blockchains as well as layer two sidechains. What features of Cibola Finance can I access from the app? Can users provide fiat currency from their bank accounts? What happens when the protocol grows and the total value locked exceeds the loan demand?

    • Cibola is one of the fintechs according to the introduction in the white paper released. Countless Fintech had existed but couldn’t achieve their proposed objectives, what do your team have on ground to sustain this project.

  89. Hello Cibola Team!

    My Question: With a track record of no monetary losses due to collateral requirements, how does Cibola ensure the security and success of loan originations when users supply funds? Can you elaborate on the strategies employed to maintain this operational resilience?

    Thankyou.

    • I’m curious to know more about what Cibola holds for partnership plans in future , I would like to know how they would contribute to the overall goals in helping traditional business and the impact they would bring. or will the team just partner only with projects that lend investors debt capital?

  90. Hello Cibola Team!

    My Question:
    Partnering with Sivo for loan originations, how many loans has Sivo funded through Cibola, and what geographies have been actively involved in the loan application and processing history of the protocol? Are there notable success stories or challenges in this regard?

    Thankyou.

  91. Hello Cibola Team!

    Last Question:, Addressing the challenges faced by fintech startups in developing countries, how does Cibola facilitate debt capital to support their viable business models and revenue streams, ultimately preventing forced closures? Can anyone become a liquidity provider in Cibola?

    Thankyou.

  92. Reflecting on Alphabet’s bond issuance in 2020, does Cibola aim to replicate similar negotiations with debtors? How does the protocol differentiate itself in the market, and does it offer multiple loan pools to cater to different borrower and investor preferences?

  93. Leveraging both traditional finance (TradFi) and decentralized finance (DeFi) practices, how can users accelerate their rewards with Cibola? Additionally, how is $CIBO earned, and does participating in the governance of the Cibola protocol offer any advantages or early access?

  94. Considering the pool for seniors and junior pool at Cibola, what assets are included in each pool, and can you explain the distinctions between them? How accessible is Cibola to the broader public, and are there specific assets with which the protocol has agreements?

  95. Given that Sivo provides debt capital to fintech lenders, could you provide a comprehensive breakdown of what assets constitute the youth pool and the senior pool within Cibola? How are these pools structured, and what criteria determine the classification of assets into each pool? Additionally, are there specific characteristics or risk profiles associated with the assets in each pool?

  96. Exploring Cibola’s agreements with assets, can you elaborate on the types of assets the protocol has agreements with? Are there specific criteria for an asset to be eligible for collaboration with Cibola? Furthermore, how open is Cibola’s platform to potential users? Can anyone access the protocol, or are there specific requirements or restrictions for participation?

  97. Regarding Sivo as Cibola’s single borrower, what precisely is Sivo, and how does it function within the Cibola ecosystem? In terms of ensuring transparency in borrowing events, could you detail the mechanisms and processes Sivo employs to provide transparent information during borrow events? How does this transparency benefit both Cibola and its users?

  98. With the anticipation of external borrowers participating when the total value locked exceeds Sivo’s loan demand, could you define the distinctions between internal and external borrowers within the Cibola protocol? What advantages do internal borrowers enjoy compared to external borrowers, and what specific requirements or qualifications determine whether an entity qualifies as an external borrower or internal borrower? Additionally, what measures are in place to guarantee the eligibility of external borrowers in participating in borrowing events, and what are the prerequisites for entities to be considered internal borrowers?

  99. Given the significance of investors like Y Combinator and Sequoia, how does Cibola navigate regulatory considerations to produce products that are both innovative and compliant? Could you provide examples of how Cibola has adapted its products to meet regulatory requirements, especially in the context of being a decentralized finance (DeFi) protocol with traditional venture-backed support?

  100. In contrast to traditional banks’ documentation and validation processes, what specific criteria does Cibola consider when determining the eligibility of applicants for loans? Is KYC (Know Your Customer) a mandatory requirement, and if so, how does Cibola handle user privacy and security during the KYC process? Additionally, what is the typical timeline for loan approval, and how does Cibola ensure a streamlined and efficient application process for its users?

  101. Expanding on risk management, how does Cibola implement measures to secure the platform and manage risks associated with lending? What protocols or strategies are in place to safeguard user funds and maintain the integrity of the protocol? Regarding audits, has Cibola undergone comprehensive audits, and if so, could you provide details on the outcomes and any ongoing efforts to ensure the platform’s security and reliability?

  102. Given that the junior pool carries the risk of first-loss capital, what measures are implemented to mitigate this risk and protect the interests of junior pool investors? How does Cibola ensure a balance between offering attractive returns and managing potential losses in the junior pool?

  103. In the event of a loan originator default, how does Cibola manage the repayment process, especially concerning the senior and junior pools? Could you provide insights into the repayment hierarchy and how funds are allocated to cover potential losses?

  104. Greetings Cibola Team!

    I came across information stating that the Cibola protocol has a single borrower, Sivo. Can you provide a brief overview of Sivo? According to your documents, the yield is supported by loans extended by Sivo to real-world fintechs in emerging markets. Is there a specific rationale for relying on a single borrower like Sivo? Have you identified any disadvantages of having multiple borrowers? What distinctions exist between platforms with a single borrower versus multiple borrowers? If Sivo encounters unforeseen challenges, does it negatively impact Cibola, and if so, what measures are in place to address such situations? Are there plans to explore additional borrowers in the long run?

    Thank you.

  105. Greetings Cibola Team!

    Having learned that Cibola reduces risk by employing OpenZeppelin’s established smart contract libraries for Ethereum and other blockchains, I am interested in understanding this process. Could you provide a simple explanation of how this method ensures security and to what extent it minimizes risks? Additionally, please elaborate on the other security measures implemented to safeguard user funds. In comparison to similar platforms, what sets Cibola apart in terms of security? Conversely, what guidelines do you provide to users to minimize their risks?

    Thank you.

  106. Greetings Cibola Team!

    Having read that Cibola backs USDC with intentions to extend support to a wider array of crypto assets and fiat currencies, I am interested in gaining more insight into these assets. Is USDT not among the supported stable coins? Will Cibola focus on a selected few major crypto assets, or is the platform open to hosting a broader range of cryptocurrencies? Beyond major fiat currencies, are there plans to include support for various local currencies? Are government regulations on cryptocurrencies expected to impede the process of integrating fiat currencies? Could you provide details on when fiat currencies will be available and how conversion rates will be handled?

    Thank you.

  107. Currently, Sivo is the sole borrower in the Cibola protocol. How does the capital utilized by Debt as a Service and AdFi products contribute to the overall functionality of the protocol, and are there plans for additional borrowers and originators in the future?

  108. Considering Sivo’s impressive track record of sustaining zero monetary losses in operations, could you provide insights into the risk management strategies implemented by Cibola, particularly emphasizing collateral requirements, ongoing revenue metrics, and risk assessments that contribute to this success?

    • Cibola is one of the fintechs according to the introduction in the white paper released. Countless Fintech have existed but couldn’t achieve their proposed objectives, what does your team have on the ground to sustain this project?

  109. How do the collaboration between Cibola and Sivo unfold in identifying and partnering with borrowers or loan originators, and what role does Sivo play in this process within the decentralized finance ecosystem?

    • How does the Cibola app ensure the security and privacy of users’ Ethereum wallets when they connect using Sign-In with Ethereum (SIWE), and what measures are in place to prevent unauthorized access or theft of stablecoins that are supplied by users? Additionally, how does the app determine the appropriate interest rates for borrowers based on the amount of stablecoin supplied by lenders, and what factors are taken into consideration when calculating these rates? Finally, what steps does Cibola take to ensure transparency and fairness in its lending process, and how does it address any disputes or issues that may arise between lenders and borrowers?

  110. How does Cibola’s protocol remove barriers around debt financing for lenders and borrowers, and how does it allow anyone to be a liquidity provider and earn algorithmic interest? Can you explain the role of junior and senior tranches in Cibola’s lending pools and how they enable liquidity providers to match their risk/reward profiles? How does Cibola partner with Sivo to identify and partner with borrowers or loan originators, and what is Sivo’s track record in funding loans? Lastly, how does Cibola ensure zero monetary losses in its operations through collateral requirements, ongoing revenue metrics, and risk assessments?

  111. Currently, I am using a few platforms for borrowing funds. I noticed that we can borrow on Cibola too. Compared to similar platforms, what kind of benefits/unique features are offered on your platform? While reading about borrowing on Cibola, I found that we have to contact Sivo to obtain loans. What is the collaboration between Cibola and Sivo? After borrowing from Sivo, do we have to complete the repayment process on Sivo itself? What is the reason to create a separate venue for lending purposes rather than utilizing the main platform?

  112. This question is regarding depositing fiat currency on Cibola. You have stated that users can deposit funds using fiat currency (USD, GBP, EUR, etc) in addition to stable coins. However, I could not find the details on depositing fiat currency. Is this feature offered to the whole global community? Do you support card payments? What about the fee structure? If we deposit funds with one fiat currency, should the profits be withdrawn with the same currency?

  113. It caught my attention that multiple pools are available on Cibola to match risk appetite and interest criteria. Can you briefly explain about these opportunities? How many pools are available and what are their rewarding percentages? When selecting a pool, what kind of aspects should be considered? Nevertheless, multiple pools is a feature offered on many similar platforms. Are there any special features offered on Cibola compared to those projects?

  114. Cibola’s use of OpenZeppelin’s battle-tested libraries is a significant security measure. Can you elaborate on how these libraries enhance the safety and reliability of the platform’s smart contracts? and do their benefits extend beyond the implementation of ERC standards?
    Moreover, the importance of security in web3 can not be overemphasized, so does Cibola have plans to engage with well-known audit firms, such as Certik, for external audits to further validate and strengthen its platform’s security measures?

  115. How does the Cibola protocol’s implementation of algorithmic interest, calculated based on supply and demand, differentiate it from traditional interest models in DeFi? Could you explain the specifics of how this model adapts to real-time liquidity events to maintain balance between supply and demand? Additionally, considering that Cibola’s loan portfolio is powered by Sivo, could you describe how one can access debt capital from either Cibola or Sivo to support their lending program? What are the key considerations and requirements for potential borrowers?

  116. Cibola features two distinct investment pools: the junior and senior pools. Could you provide an overview of both, focusing on their risk and return profiles, loan-to-value ratios, implemented risk measures, interest rates, and the types of collateral required? Additionally, how does the repayment mechanism influence the investment strategies of users in each pool, and what are the specific rewards for investors in both the junior and senior pools?

  117. Hello Cibola Team! After noticing that $CIBO is distributed every day and is assigned automatically to sToken holders based on the number of sTokens they have, I am curious to know about $CIBO reward calculation. How do you determine the value of $CIBO rewards to each sToken holder? In addition to the amount of tokens, do you consider things such as the time period of holding? Please briefly explain how can we increase the chances to earn a considerable amount of rewards. While many platforms distribute their rewards in a separate reward token, is there a specific reason for Cibola to rely on a single token mode and to distribute the rewards in $CIBO? Thanks.

  118. Hello Cibola Team! I noticed that we can apply to get “early access” by joining with Cibola Private Beta. What do you mean by “early access”? What kind of features can be accessed prior to the other users? Please elaborate more on the benefits we get by this feature. There is a Google form for the application process and it only asks our email address and the Telegram user name. Based on these two details, how do you select eligible applicants for the early access? Are all applicants eligible for this feature? Thanks.

  119. Hello Cibola Team! This question is regarding your theme, “Real companies, Real rewards”. What made you to choose this kind of theme to describe the service you render? Why did you highlight the word “real”? Does it mean other similar projects do not have collaborations with real parties and do not offer real rewards? If yes, please explain about their drawbacks and let us know why Cibola is unique. Thanks.

  120. I understand that Cibola is currently undergoing a private beta phase, with plans for a public launch in early 2024. Could you share more information about the upcoming public beta, particularly how interested users can register for it? Are there any specific incentives planned for those who participate in the beta? Additionally, will participants have the opportunity to propose new features, provide feedback, and identify bugs? Finally, is the public beta open to all users, or will it be limited to a select group of participants?

  121. I read from the white paper that Sivo has funded over 25000 loans totaling up to 125M across five geographies. What is the percentage index of the feedback as regards its efficiency?

  122. Quoting from your whitepaper “Cibola is implemented on AWS Cloud technology, which allows for high scalability, performance, and cost-effectiveness”. AWS Cloud , comes with potential limitations such as latency (time taken for data to travel from one point to another), cost, and security concerns. What specific strategies would Cibola use to tackle these limitations and ensure the smooth and successful execution of the Cibola Protocol?

  123. sTokens are assigned to a user when they supply funds to the protocol. What is the total supply for this sTokens? What are the use cases of this sTokens and are they subject to the same volatility affecting their base tokens? Can users swap sTokens of different base tokens, e.g swapping sUSDC for sETH?
    Finally, what are the fees associated with different interactions involving sTokens in the Earn contract (such as supply, withdraw, borrow, pay)?

  124. Users can supply funds by supplying stablecoin assets or by supplying fiat. Is there any benefit of using one of this methods over the other? What is the minimum and maximum fiat deposit amount? Which fiat currencies are currently supported and are there specific regions that are restricted from using this service? Also, is there any available customer support to assist users experiencing issues with the on-ramp process?

  125. With the junior pool carrying the risk of first-loss capital compared to the senior pool, how does this structure incentivize different types of investors? What risk assessment measures does Cibola implement to protect investors in both pools?
    In the event of borrower defaults, how does the Cibola protocol protect investors in the senior pool using the junior pool’s funds? Could you describe the measures in place to mitigate the first-loss risk for junior pool investors?

  126. Building trust is critical in DeFi. How does Cibola ensure transparency in its security practices? Are there plans to publicly disclose bug bounties or engage independent security firms for audits to further bolster platform trust and demonstrate commitment to user safety? How does Cibola plan to communicate potential security vulnerabilities and remediation efforts to the community in a clear and timely manner?

  127. Cibola currently relies primarily on USDC, a well-established and regulated stablecoin, for its transactions. In the sometimes volatile world of DeFi, what are the key advantages of this approach? How does this emphasis on USDC address potential concerns about price fluctuations, particularly for users new to DeFi who may be hesitant to invest in other, more volatile crypto assets?

  128. Cibola offers two distinct investment pools, Junior and Senior, catering to different risk appetites. Junior pools promise higher returns but inherent greater volatility, while Senior pools prioritize stability with moderate returns. Can you elaborate on the specific strategies employed within each pool to achieve these risk profiles? How does Cibola ensure the safety of deposited funds, especially in the riskier Junior pool, and what safeguards are in place to prevent losses exceeding individual contributions?

  129. Beyond earning interest, $CIBO empowers users with voting rights. Can you provide concrete examples of the types of decisions $CIBO holders will have a say in? How will the community be structured to ensure diverse voices are heard and impactful in shaping the future of Cibola? What mechanisms are in place to prevent potential manipulation or concentration of voting power, ensuring a truly democratic governance system?

  130. While USDC is currently the cornerstone, Cibola plans to integrate additional crypto assets and fiat currencies. What are the criteria used to select these additional assets? How will the team ensure a smooth and secure integration process that maintains platform stability and minimizes potential risks during these expansions? Will there be any opportunities for the community to provide input or feedback on the selection and integration of new assets?

  131. Currently, Cibola supports USDC with plans to expand to a broader range of crypto assets and fiat currencies. Could you offer more details on the process and criteria for incorporating new assets into the platform? Additionally, how do you assess the stability and liquidity of assets before including them?

  132. I noticed that Cibola’s access options include stablecoins, ACH payments, and wire transfers. Could you describe how straightforward it is for users to supply fiat currency from their bank accounts, and what plans you have to integrate real-time payment methods like RTP or FedNow?

  133. The whitepaper mentions that Cibola minimizes risk by using OpenZeppelin’s battle-tested smart contract libraries. Could you elaborate on the specific security measures implemented to ensure the safety of users’ funds and transactions? Additionally, how do you address potential vulnerabilities and updates in smart contracts?

  134. What criteria do you use to assess the credit risk of applicants and lenders, what information do you collect from applicants, any KYC or income information or anything? What kind of collateral is required to obtain a loan at Cibola, do these loans work for both individuals and businesses?

  135. Having already so many platforms for asset returns, what inspired you to create Cibola and what novelties and advantages does it bring over the competition that also uses blockchain technology and is decentralized? What are the features that you consider most attractive about Sivo?

  136. What are your plans for the future of Cibola, where would you like to take the project so that it can grow, and in what area would you like to innovate? By what means do you engage with the Cibola user and developer community, and what kind of timely feedback do you receive from them and from people who have already had early access?

  137. How #CIBO Beta App works, only for mobile phones on Android and iOS systems. Or can it be used on a PC, does your project have an extension or program for PC or do we do everything from your website?

  138. Cibola is the latest innovation in decentralized finance (DeFi). How can we participate in Cibo beta if we want to earn $CIBO Tkken. Can loans be taken from any country in the world from the Cibola platform or is it only for special users? What’s the status of native $CIBO token buyback program? where can i buy your project $CIBO Token? What is the Security Concept to your project investment?

  139. Beyond typical governance proposals like protocol upgrades, can you illustrate the range of decisions $CIBO holders can influence? How does Cibola structure proposals to ensure accessibility and understanding for even non-technical community members? How will voting rights be distributed to promote active, engaged participation?

  140. Cibola’s investment pools boast competitive interest rates. However, maintaining these rates while ensuring long-term sustainability is crucial. Can you delve into the underlying mechanisms that generate these returns? How does Cibola balance short-term rewards with long-term stability of the platform? What measures are in place to incentivize long-term participation and prevent unsustainable spikes in interest rates that could attract short-term speculators and destabilize the ecosystem?

  141. $CIBO governance is key to Cibola’s success. Can you detail the strategies you’re employing to encourage widespread adoption and active participation in the voting process? How will you ensure that new users and those with smaller holdings feel empowered to participate and have their voices heard? What initiatives are planned to foster a strong and engaged community around $CIBO and its governance capabilities?

  142. Cibola prioritizes security, utilizing battle-tested smart contracts from OpenZeppelin and conducting regular audits and penetration testing. Can you provide specific examples of security measures implemented through OpenZeppelin’s smart contracts? How does Cibola stay ahead of evolving cyber threats and proactively identify and mitigate vulnerabilities? What measures are in place to ensure the safety of user funds and prevent unauthorized access or manipulation?

  143. Congratulations on the new project. How many experienced team members are there on the #Cibola platform? Did they work on any platform before the #CIBOLA project in terms of blockchain? Are they new to crypto and have experience working on non-crypto projects? Will they be able to reach the pinnacle of development of the #Cibola project?

  144. How to sign up Cibola beta and update information about Cibola beta referral program.What features does project launchpad have? How can I stay updated on the latest project information? Are there any social media accounts I can follow for updates?

  145. What are the use cases for the $CIBO token and what blockchain is it based on and which chains is it compatible with? Will it be a token with value and use outside the Sivo community or will it only be for decision making and functions within the project? Do you plan to incorporate another token in addition to $CIBO in the future? How can we get $CIBO, do you have a rewards program?

  146. Greetings cibola finance team wnd glad to have you in satoshi club
    Well “Can you share insights into how Cibola Protocol enhances liquidity optimization within decentralized finance, and how the Cibola App facilitates user access and engagement with these enhanced liquidity opportunities in a user-friendly and secure manner?” Lastly how does the Cibola App incorporate community-centric features and educational resources to empower users in comprehending and effectively utilizing the unique functionalities and opportunities presented by Cibola Protocol within the decentralized finance domain?”
    Thank you

  147. How safe is Cibola and what guarantees does it provide us that it is not a project that will fall fast or run away with the profits? How much experience in cryptocurrency investing do we need to have to use and understand Cibola, do you think it is easy to adopt for beginners?

  148. Can you elaborate on the decision to implement Cibola on a private blockchain hosted on AWS cloud infrastructure? How does this choice contribute to the protocol’s robustness, scalability, and integration capabilities?

  149. The whitepaper outlines an algorithmic approach to interest rates based on supply and demand. How does Cibola ensure liquidity in the protocol, especially during fluctuations in supply and demand? How does the interest rate model adapt to changing market conditions?

  150. Currently, Sivo is the sole borrower in the Cibola protocol. Are there plans to include additional borrowers or originators in the future? How does Cibola plan to attract a diverse range of borrowers, and what criteria will be considered for their participation in the lending pools?

  151. What are the barriers around debt financing that cibola is removing?and also is it only the cibola protocol that allows anyone to be a liquidity provider and earn algorithm interest?if NO what other protocol allows this ?

  152. The protocol overview says cibola is implemented on AWS cloud technology what does the AWS mean and also the implementation of the cibola is it only focus on the AWS cloud technology alone? Then can cibola also provide integration with layer-one-side chains ?

  153. Should there be other borrowers aside from Sivo or better still is cibola involved with sivo now because of the fear of missing out ?does Sivo associates with Cibola because of its transparency alone or because Sivo is a single borrower?what other impact does Sivo have on Cibola ?

  154. Greetings cibola finance and welcome to satoshi community
    Could you provide a detailed exploration of the unique design features and innovative mechanisms that differentiate the Cibola Finance protocol from existing decentralized finance platforms, emphasizing how these elements strive to drive efficiency, inclusivity, and sustainability?” Lastly “What fundamental principles and core values underpin Cibola Finance’s vision within the decentralized finance landscape, and how does the project endeavor to manifest these principles in tangible solutions and strategic initiatives?”
    Thankyou

  155. Greetings cibola finance and welcome to satoshi community
    My questions
    In a multi-chain ecosystem, how does Cibola Finance prioritize cross-chain interoperability and strategic collaborations, and what strategies are in place to ensure seamless data and asset exchange across diverse blockchain protocols, fostering innovation and accessibility.
    -What educational resources and adoption strategies has Cibola Finance integrated to demystify decentralized finance complexities, empower users with the knowledge to engage prudently, and ensure a seamless onboarding experience within the Cibola Finance ecosystem?”

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