MMary | Satoshi Club
Hello Satoshi Club community today we have AMA session with Zest Protocol Let's welcome our guests!
GGold Rocket | Satoshi Club
Greetings, dear Satoshi Club community!
GGold Rocket | Satoshi Club
Today our guests are @Joshavenue @tycho2
GGold Rocket | Satoshi Club
Hello and welcome to Satoshi Club, guys!
JJosh | Zensite.co
Excited to kick start this AMA and show Zest Protocol to everyone here and the power of what you can do your own BTC
MMary | Satoshi Club
Hello and welcome to the Club
GGold Rocket | Satoshi Club
Nice to e-meet you. How are you doing? To be honest we are really excited about upcoming AMA
JJosh | Zensite.co
We are doing great , nice to meet you too!
MMary | Satoshi Club
Guys, i know you have an unusual project, you followed the path of pioneers, tell our community what Zest Protocol is
GGold Rocket | Satoshi Club
we look forward to this moment
JJosh | Zensite.co
Zest Protocol is a Bitcoin lending protocol that operates on-chain and is open-source.
Zest Protocl enables Bitcoin liquidity providers (Anyone like you or me) to earn Bitcoin yield through professionally managed lending pools that lend to the most credit-worthy borrowers in crypto.
For borrowers, Zest offers on-chain Bitcoin loans directly against their balance sheet.
GGold Rocket | Satoshi Club
To warm up, also tell a bit about yourself. About your personal crypto history. What attracted you to this direction?
TTycho Onnasch | Zest Protocol 🍊
JJosh | Zensite.co
In case if you have not checked our website before, here it is: https://www.zestprotocol.com/
TTycho Onnasch | Zest Protocol 🍊
Tycho here, co-founder of Zest Protocol
GGold Rocket | Satoshi Club
GGold Rocket | Satoshi Club
GGold Rocket | Satoshi Club
TTycho Onnasch | Zest Protocol 🍊
Yes of course! So I started getting interested in smart contracts in 2016-17 but it took a while before I could see what the first sustainable profitable protocols would be. Then when DeFi summer happened in 2020 it became very clear to me that it would be DeFi. When Stacks launched in 2021 I started looking at ways to use native BTC in DeFi and now here we are launching zest protocol testnet
TTycho Onnasch | Zest Protocol 🍊
just hit me with the next question
GGold Rocket | Satoshi Club
this is a really incredible story! it was very prudent of you
MMary | Satoshi Club
How long have you been working on Zest Protocol? Why orange coin? There are a lot of easy ways to make DeFi project on chains like Eth etc. You are not looking for easy ways or you're Bitcoin maximalists?
TTycho Onnasch | Zest Protocol 🍊
So I started working on Zest Protocol about a year ago. Initially just based on this idea that Stacks' unique features would make on-chain Bitcoin lending possible for the first time (Stacks has read access to Bitcoin state because of it's unique architecture). Then when scoping out how people borrow BTC I figured out that it was mainly institutions who would borrow BTC, which is why zest protocol turned into an insitutional bitcoin lending protocol
JJosh | Zensite.co
For those who are not familiar on what Stacks is, you can read about Stacks via their official website: https://www.stacks.co/
TTycho Onnasch | Zest Protocol 🍊
It's also very obvious that there's a huge untapped market here for Bitcoin loans to institutions & none of the Ethereum/Solana DeFi protocols can touch this market
TTycho Onnasch | Zest Protocol 🍊
It can only be done by building on Stacks
TTycho Onnasch | Zest Protocol 🍊
just let me know what you'd like to know more
MMary | Satoshi Club
Ofitopic Do you think Satoshi's plans were to turn Bitcoin into a financial instrument for institutions or was he still creating it for mass use?
JJosh | Zensite.co
For those who are asking why Zest Protocol is only possible on Stacks, you can read more on how Stacks is linked to the Bitcoin network here: https://docs.stacks.co/docs/understand-stacks/
GGold Rocket | Satoshi Club
This is a truly unploughed field of work. And it is very good that you decided to develop it. Please tell us about the team that helps you in this process
MMary | Satoshi Club
So true i am fan of Stacks and to be honest i was familiar with Zest Protocol long time ago, so i am yours fan as well
TTycho Onnasch | Zest Protocol 🍊
It has to be both! If Bitcoin is money, then there are people out there with future earnings in Bitcoin. If there are people out there with future earnings in Bitcoin, then there is a demand for Bitcoin loans. Currently the actors with future earnings in Bitcoin that you'd want to lend to are institutions, because they are the most credit-worthy
TTycho Onnasch | Zest Protocol 🍊
Later, Zest Protocol could also lend to people
TTycho Onnasch | Zest Protocol 🍊
But it has to start with institutions
TTycho Onnasch | Zest Protocol 🍊
Yes I work with a small team of very talented engineers & we get quite some support from the Stacks ecosystem entities such as Hiro for developer tools or Trust Machines
TTycho Onnasch | Zest Protocol 🍊
GGold Rocket | Satoshi Club
TTycho Onnasch | Zest Protocol 🍊
TTycho Onnasch | Zest Protocol 🍊
The rest of the team isn't strictly anonymous, we're all real people with real names - though we've not communicated very broadly on our website who we are because we want to put the focus on the protocol, not us :)
GGold Rocket | Satoshi Club
TTycho Onnasch | Zest Protocol 🍊
MMary | Satoshi Club
Guys, thank you for your intro
GGold Rocket | Satoshi Club
GGold Rocket | Satoshi Club
Thanks for great introduction, we will have several questions selected for the Part 1. Ready to start?
TTycho Onnasch | Zest Protocol 🍊
GGold Rocket | Satoshi Club
Q1 from Telegram user @silver_splash
Greetings Zest Protocol’s Team!
Being the first on-chain Bitcoin capital market is for sure a very great innovation in this wide DeFi space and as such I really commend the project’s. From my research, I observed that Zest Protocol’s focus is mainly on Bitcoin (BTC). In this regard, I would like to know why the platform has chosen to focus on the Bitcoin market; frankly speaking, the Bitcoin market currently lacks an on-chain borrowing mechanism and as such, it is hard for a Bitcoin denominated business to grow. In a nutshell, explain how Zest Protocol aims to address this problem. How will you create a credible solution to the problem faced by the on-chain Bitcoin market? What benefits are general platform users opened to?
TTycho Onnasch | Zest Protocol 🍊
TTycho Onnasch | Zest Protocol 🍊
So there is a lot of CeFi borrowing/lending of Bitcoin going on. Billions of $$ every quarter. With Zest Protocol we can bring this on chain, in a similar way like Maple Finance has done with for ETH and USDC borrowing
TTycho Onnasch | Zest Protocol 🍊
Why do we need an on-chain Bitcoin lending protocol?
Because today’s Bitcoin lending solutions carry too much risk, specifically custody and counterparty risk.
To lend BTC, you have to trust a third party with handling your BTC funds (custody risk) and lack visibility into who your BTC is being lent out to (counterparty risk). As a result, most Bitcoin sits idle in cold storage and isn’t used to grow the Bitcoin economy
TTycho Onnasch | Zest Protocol 🍊
The counterparty risk of centralised Bitcoin lending solutions became extremely clear in May/June 2022, when it appeared that almost all Bitcoin lending platforms had been lending a significant amount of their assets to the same insolvent hedge fund (Three Arrows Capital). Because of the opaque nature of crypto lending, users had no way to find out how exposed their crypto lending platform was to the cascading defaults that ensued. Users also became increasingly concerned over custody risk of any centralised entity in crypto. As a result, users pulled their Bitcoin capital from centralised lending platforms en masse. The fledgling Bitcoin capital market imploded
TTycho Onnasch | Zest Protocol 🍊
It's time to rebuild this on chain
MMary | Satoshi Club
How big do you see the market for yourself? Will users willingly want to switch from the usual wrapped bitcoin to them, learn to use new wallets, options?
MMary | Satoshi Club
I saw users were wondered why they can't use Metamask on your website 🤣
TTycho Onnasch | Zest Protocol 🍊
We're not competing with wrapped Bitcoin, wrapped bitcoin is only a tiny tiny portion of all BTC in existence. 99% of Bitcoin is not wrapped, that's what we're going after
GGold Rocket | Satoshi Club
I love your answersIt is always apt and to the point.
TTycho Onnasch | Zest Protocol 🍊
TTycho Onnasch | Zest Protocol 🍊
Well! Metamask is not a Bitcoin wallet. Users need a Bitcoin wallet and a Stacks wallet. Soon there will be a wallet out there that can do both
JJosh | Zensite.co
For those who are wondering what is 3AC and what happened to them, you may read the story here: https://www.zenledger.io/blog/three-arrows-capital-3ac-what-happened#:~:text=A%20court%20in%20the%20British,creditors%20in%20early%20July%202022.
TTycho Onnasch | Zest Protocol 🍊
But at first, users will need both wallets to interact with the protocol
MMary | Satoshi Club
Wow, never heard, but will wait for it!
TTycho Onnasch | Zest Protocol 🍊
MMary | Satoshi Club
Thank you for your answers, guys! Ready to go to the second question?
TTycho Onnasch | Zest Protocol 🍊
GGold Rocket | Satoshi Club
Well, everything is clear to me. Are you ready for the next question?
MMary | Satoshi Club
Q2 from Telegram user @blessing_chum
Gooday,
I saw that the Zest Protocol’s users is divided into four(4) groups which are; Liquidity Providers, Pool Delegates, Borrowers and Pool Cover Providers. Kindly give details as regarding the functions and benefits attached to each group of users mentioned above. What is the difference between the Liquidity Providers and Pool Cover Providers? What is the requirements to be a Pool Delegate? Now to get started on Zest Protocol, what KYC process will I go through? Is it possible to run multiple accounts?
JJosh | Zensite.co
Electrum is a Bitcoin wallet that is accessible for anyone to use.
Electrum wallet site: https://electrum.org/
TTycho Onnasch | Zest Protocol 🍊
TTycho Onnasch | Zest Protocol 🍊
So let me find the right info from our docs for speed
TTycho Onnasch | Zest Protocol 🍊
👨👨👧👦 Liquidity providers (LPs) [the everyday user]: Liquidity providers add BTC to a liquidity pool from which loans are funded that earn yield in BTC for the liquidity providers to the pool (at time of writing borrowers pay about 4-6% for borrowing BTC undercollateralised on CeFi venues).
👨💼 Pool delegates: are credit experts who launch and manage liquidity pools. Pool delegates perform diligence and agree terms with borrowers following their own strategy and underwriting process. Pool delegates earn by sharing in the reward payments.
🏢 Borrowers: institutions looking for Bitcoin capital to grow their business. Likely candidates are market makers, exchanges, centralised lenders, miners and businesses that accept BTC payments. Borrowers must be approved by a Pool Delegate to borrow BTC from that pool delegate’s liquidity pool.
TTycho Onnasch | Zest Protocol 🍊
🛖 Pool cover providers: provide pool cover by staking tokens as first loss capital for a specific pool. If a borrower defaults, funds in the cover are used to make liquidity providers whole. Pool cover providers receive a percentage of the rewards earned from borrowers.
TTycho Onnasch | Zest Protocol 🍊
LPs don't require KYC, they just put money in a pool like they would on regular DeFi
TTycho Onnasch | Zest Protocol 🍊
The same goes for pool cover providers
TTycho Onnasch | Zest Protocol 🍊
Borrowers & pool delegates of course undergo KYC
TTycho Onnasch | Zest Protocol 🍊
It's crucial to know who they are for the system to work
TTycho Onnasch | Zest Protocol 🍊
happy to answer more questions
MMary | Satoshi Club
Does it mean that borrowers and pool cover providers are institutionals? Or they can be individuals?
TTycho Onnasch | Zest Protocol 🍊
borrowers will be institutions
TTycho Onnasch | Zest Protocol 🍊
pool cover providers can be any address :)
TTycho Onnasch | Zest Protocol 🍊
pool delegates are professional underwriters, so also institutions :)
MMary | Satoshi Club
Interesting system can't wait to see your protocol to go live! When do you plan to go live btw?
GGold Rocket | Satoshi Club
rather complex mechanism.
TTycho Onnasch | Zest Protocol 🍊
We're currently scoping out the timeline. Our audits are finished but it might take some extra time to get the dev tooling side of things fully setup. Either late Q4 or early Q1
MMary | Satoshi Club
So close i am still didn't try your testnet but the question about it will be a bit later
JJosh | Zensite.co
While waiting for the Live version, the Testnet version is now Live for anyone to participate in.
To participate, just join our Discord here to start: https://discord.gg/25urf3UP
GGold Rocket | Satoshi Club
Thanks for your great answers
TTycho Onnasch | Zest Protocol 🍊
MMary | Satoshi Club
Ready to answer third question, guys?
GGold Rocket | Satoshi Club
Q3 from Telegram user @Asela1112
In August month, Zest Protocol smart contract has audited with CoinsFabrick platform & another audit will be carried out on November month. Can you please tell us about the audit that you have done with CoinsFabrick firm? Were there any loops & bugs founded? If you don’t mind, Please share the audit report with us? However, It’s good that you will conduct another audit in next month. So, Can you give a sneak peek about your upcoming audit? Which Audit firm will you hire for that?
TTycho Onnasch | Zest Protocol 🍊
TTycho Onnasch | Zest Protocol 🍊
https://blog.coinfabrik.com/smart-contracts/smart-contract-audit-smart-contracts/zest-full-audit/
TTycho Onnasch | Zest Protocol 🍊
This is the Coinfabrik audit. They found mainly minor issues and a typo on our end (which was quite a critical one). All of those are fixed now
TTycho Onnasch | Zest Protocol 🍊
We just heard back from the second firm LeastAuthority & they didn't find any major issues
TTycho Onnasch | Zest Protocol 🍊
The report will go out soon
MMary | Satoshi Club
Hackers are not sleeping we talk a lot about this with our community, safety is now the most important thing in our environment
MMary | Satoshi Club
What about any kind of insurance? If something will go wrong? (I hope never, but i need to ask)
TTycho Onnasch | Zest Protocol 🍊
TTycho Onnasch | Zest Protocol 🍊
We invite all hackers to come try to hack our testnet!
TTycho Onnasch | Zest Protocol 🍊
We will work with Immunify to build a great bug bounty programme as well
TTycho Onnasch | Zest Protocol 🍊
& we have a bunch fo white hat hackers as our advisors
TTycho Onnasch | Zest Protocol 🍊
In general those are the best practices in DeFi today
MMary | Satoshi Club
Awesome! I believe that you will do everything you can to protect your users!
MMary | Satoshi Club
Thank you for your answers! Ready to proceed?
TTycho Onnasch | Zest Protocol 🍊
GGold Rocket | Satoshi Club
Q4 from Telegram User @charlest1997
Hello Zest Protocol team
I noticed from your site that Zest Protocol is an Undercollateralised Bitcoin lending protocol for institutional borrowers and it’s very interesting to know about. Since this is my first time hearing about undercollateralised lending protocol, So May I know what are the benefits of Undercollateralized loans ? Does Zest protocol only allow institutions to lend and borrow on your platform ? What are the requirements if any institution wants to borrow from Zest Protocol ? I also noticed that all users can become liquidity providers by providing BTC to the liquidity pool. Let’s say if we want to become a Liquidity Provider, then what is the minimum BTC we can provide to the liquidity pool ? What are the conditions if the Liquidity Provider suddenly decides to withdraw LP from the Liquidity Pool ? Lastly, I looked in your docs about Pool Cover Providers and it was quite interesting. So, Can you elaborate to us about the “First Loss Capital for a specific pool” in pool cover providers ? Is it possible for a user to become a Liquidity provider and Pool Cover Provider at the same time ? Thank you
JJosh | Zensite.co
ImmuneFi is the Biggest bug bounty hunting platform, if you are a hacker, this is your spot: https://immunefi.com/
Zest Protocol will have its own profile soon too.
TTycho Onnasch | Zest Protocol 🍊
[В ответ на Gold Rocket | Satoshi Club]
Yes so we only allow institutions to borrow on the platform. These are the players that borrow BTC in size to earn a real yield (not an inflationary one)
TTycho Onnasch | Zest Protocol 🍊
The first institutions will likely be market makers, those from the world of traditional finance
They are incredibly credit worthy so there's a really strict process in place here
The minimum BTC to LP can be as little as a Bitcoin transaction fee
GGold Rocket | Satoshi Club
MMary | Satoshi Club
Is there room for investment in your relationship with institutions? Any seed rounds?
TTycho Onnasch | Zest Protocol 🍊
> What are the conditions if the Liquidity Provider suddenly decides to withdraw LP from the Liquidity Pool ?
There will be a lockup timer in place for sudden withdrawals, it will take at minimum 10 days to process a withdrawal
MMary | Satoshi Club
No surprises for protocol
TTycho Onnasch | Zest Protocol 🍊
> So, Can you elaborate to us about the “First Loss Capital for a specific pool” in pool cover providers?
Yes so the pool cover is like a mini pool associated with each bitcoin pool. If there's a default, then this pool cover gets hit first. the pool delegate has to add funds to the pool cover associated with their pool to create skin in the game
> Is it possible for a user to become a Liquidity provider and Pool Cover Provider at the same time ?
Yes
JJosh | Zensite.co
To read about the Pool Cover Provider, please read the details here: https://zestprotocol.gitbook.io/zest/the-protocol/pool-cover-providers
Pool cover providers share in the Bitcoin yield accrued to the lending pool - which will naturally be higher than the yield generated by providing Bitcoin liquidity to the pool.
TTycho Onnasch | Zest Protocol 🍊
haha well they wish - we haven't raised any external funding yet
TTycho Onnasch | Zest Protocol 🍊
But of course a lot of these institutions would like to invest
TTycho Onnasch | Zest Protocol 🍊
We might let them closer to the launch
MMary | Satoshi Club
I hope you won't forget about your community as well
TTycho Onnasch | Zest Protocol 🍊
hehe well we might have something else in store for them
who knows 👀
could be quite zesty
MMary | Satoshi Club
I will count this answer as a hint
GGold Rocket | Satoshi Club
Thanks for your great answers
MMary | Satoshi Club
Ready to go to the next question?
TTycho Onnasch | Zest Protocol 🍊
GGold Rocket | Satoshi Club
Q5 from Telegram User @spanishsimon
Hello @zest protocol, nice having you here. My question is about your testnet which an announcement was made on your discord that is now live. Well I will like to know more about your testnets can you please give more details on it. What are the requirements to participate? what are those killer features which you have unlocked that requires testing and what will be the benefits or rewards for testing them. And I also saw that it requires a testnet funds for users interested on your testnets and details of that was not given. So can you please tell us what is the required funds given to participate on your testnet, Do you already have individuals running your test? And furemore, since you are mostly concerned about bitcoin, are we using some amounts of btc as funds for your testnets or we are to use your tokens for funding. Thank you
TTycho Onnasch | Zest Protocol 🍊
TTycho Onnasch | Zest Protocol 🍊
Do you want to answer this one @Joshavenue ?
TTycho Onnasch | Zest Protocol 🍊
JJosh | Zensite.co
Anyone can participate in the Testnet!
All you need to do to start is join our official Discord here: https://discord.gg/25urf3UP
TTycho Onnasch | Zest Protocol 🍊
You will need some testnet Bitcoin to participate as well as some testnet STX. You can learn how to get them here: https://zestprotocol.gitbook.io/zest/testnet/testnet-setup
JJosh | Zensite.co
As for testnet funds, we have the complete instruction on how to get them in our Discord (#testnet-faqs) channel, especially Testnet BTC, which is most likely something most people may not be familiar with
JJosh | Zensite.co
We also include video instructions to help anyone here who is really interested in the testnet
MMary | Satoshi Club
Do you call your testnet incentivized?
JJosh | Zensite.co
Currently, we have already close to 2K people on our Discord trying out the Testnet
TTycho Onnasch | Zest Protocol 🍊
TTycho Onnasch | Zest Protocol 🍊
TTycho Onnasch | Zest Protocol 🍊
let's do the final question
GGold Rocket | Satoshi Club
Q6 from Telegram user @ghostofcharmeleon
Hello, the Zest Protocol team.
Judging by the description of your project, I understand that the decision to grant a loan is made jointly by the liquidity providers. Please tell us how the voting process is organized directly. Do you have an anti-whale system? Is a 51 attack possible when making a decision?
TTycho Onnasch | Zest Protocol 🍊
The decision to grant a loan is organised by the pool delegate of the pool that the loan was requested to
TTycho Onnasch | Zest Protocol 🍊
The pool delegate is a professional credit underwriter
TTycho Onnasch | Zest Protocol 🍊
The first pool will be run by M11 Credit who underwrote $700m in loans on Maple Finance, a similar institutional lending protocol
So yes there are a lot of guardrails in place here to make this all go well
let's do Q&A
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