0:00
如果仔细想，获取收益仍有些像阶级制度，我们希望让收益变得普及，这确实是我们的使命。
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我是Paradriano，Spyco的联合创始人兼CEO。
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我是Zen，base的市场营销总监。
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告诉我Spyco是什么，它解决了什么问题？
0:20
Spyco本质上是一个资金管理平台，使任何人，企业或个人都能以最有效的方式让现金发挥作用。
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正确的理解方式是，我们为所有这些企业提供极其顺畅、简单的现金资金访问。
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人们和企业应该拥有自己的现金。
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不必把现金借给第三方，要拥有并控制自己的现金。
0:43
我们通过建立自己的资金池，并提供出色的用户体验来实现，用户可以存取现金与资金池互动。
0:53
我们开发了一个API，任何金融平台都能嵌入Yield，向客户提供收益。
1:00
你是从法国财政部开始职业生涯的。
1:04
你在那里学到了什么？
1:06
是什么激励你创立Spyco？
1:08
当时我主要负责监管金融市场，包括股票、债券和衍生品市场。
1:14
我看到了市场基础设施的低效。
1:17
很多人谈论创新、代币化等话题。
1:20
但传统参与者行动迟缓。
1:24
这促使我创办了公司。
1:25
我有一个联合创始人，Antoine。
1:27
我们决定离开公务员岗位，创办Spyco。
1:30
业务现在在指标和成长方面表现如何？
1:35
目前我们管理的资产达到27亿美元。
1:42
自启动以来交易量接近100亿美元。
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这包括认购和赎回。
1:50
作为业务角度，我进入Spyco。
1:51
能否介绍产品如何运作、不同服务及幕后流程？
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作为直接用户，通常会先在Spyco完成注册。
1:58
我们有一个异步在线金融科技式的注册流程。
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平台非常简单易用。
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它支持存取款，也就是认购和赎回不同产品。
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我们围绕产品提供多种功能，如平台用户管理、会计报表、即时提现等，真正打造了一个简便易用的现金收益管理平台。
2:26
这里面为何需要加密技术？
2:28
为什么十年前不能做成？
2:30
我们需要运行在低成本且高速的基础设施上。
2:36
这就是base对我们重要的原因。
2:39
我们决定将整个基础设施构建在链上，特别是公共区块链，原因有几个。
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其中之一是出于纯粹的愿景。
2:47
我们认为支付、金融市场和资本市场将走向链上。
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一旦你开始在区块链上发行货币和金融工具，现金和这些工具就共存于同一全球实时、全天候运行的数据库中。
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而且这不是任何人拥有的数据库，对吧？
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这是一种集体利益。
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我觉得另一件有趣的事是区块链提供了大量透明度。
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这在我们所处的领域非常重要。
3:14
这对财务总监们非常有价值。
3:15
我说的不是加密货币领域的财务总监。
3:17
我是说普通的财务总监，他们希望有透明度，能够快速理解他们可能会投入资金的产品。
3:26
Spiker的下一步是什么？
3:28
下一步是我们的国际扩张。
3:30
我们想尽快打造一个全球化业务，从法国企业发展到泛欧洲企业，最终成为全球企业。
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我也认为，越来越多的传统企业将在不久的将来配备钱包，并将账目作为资金管理流程的一部分。
3:47
感谢你的到来。
3:48
非常感谢邀请我。
0:00
If you think about it, access to Yield is still a bit like a class system,
0:03
so we want to make Yield universal, but that's really our mission.
0:06
I'm Paradriano, co-founder and CEO of Spyco.
0:14
I'm Zen, director of marketing at base.
0:16
Tell me what Spyco and what problem is it solving.
0:20
So Spyco is essentially a treasury platform that enables anyone,
0:23
businesses, individuals to put their cash to work in the most effective way
0:27
possible.
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And the right way to think about it is like for all these businesses,
0:31
we provide super seamless, simple access to cash funds.
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People, businesses should have their own cash.
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Not necessarily lend their cash to a third party,
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have their own cash, be in control of their cash.
0:43
And we do that by building our own funds and offering an exceptional UX
0:48
to interact with this funds, namely to deposit cash and withdraw cash in and
0:52
out of this funds.
0:53
So we've built an API which can be used by any financial platform to embed Y
0:58
ield,
0:58
to offer Yield to the clients.
1:00
So you started your career at the French Treasury.
1:04
What did you learn there?
1:06
What inspired you to build Spyco?
1:08
Yeah, so at the time I was essentially responsible for the regulation of
1:11
financial markets,
1:12
equity, bonds, derivatives, markets.
1:14
And I saw how inefficient the market infrastructure was.
1:17
A lot of people were talking about innovation, tokenization, etc.
1:20
But the legacy players were not moving very fast.
1:24
That motivated me to start a company.
1:25
I had one co-founder in mine, Antoine.
1:27
Yeah, we decided to quit the civil service and start Spyco.
1:30
And how does the business look today in terms of metrics and growth?
1:35
So we have at this very point in time 2.7 billion US dollars in assets and the
1:41
management.
1:42
We have done since launch close to 10 billion in volumes.
1:46
So in effectively subscriptions, redemptions.
1:50
So as a business, I come to Spyco.
1:51
Can you talk me through how the product works and the different offerings
1:54
and what happens behind the scenes?
1:56
As a direct user, you would typically onboard on Spyco.
1:58
So we have an onboarding flow, which is like a FinTech online async onboarding
2:03
flow.
2:04
And the platform is a very simple one, right?
2:06
It enables you to deposit and withdraw
2:08
technically to subscribe and to read adventures across different products.
2:11
So we have a whole set of features around them,
2:13
like the management of your different users on the platform,
2:16
the accounting statements. You can do things such as instant withdrawals,
2:21
really like a treasury cash yield platform that you can use in a very simple
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way.
2:26
And what do you need crypto here for?
2:28
Why couldn't you have built this 10 years ago?
2:30
We need to operate on infrastructure that are cheap and fast.
2:36
And that's where base came in for us.
2:39
We decided to build our whole infrastructure on chain
2:42
and specifically on public blockchains for a few reasons.
2:44
One is just a pure sort of vision.
2:47
We think that payments and financial markets, capital markets
2:51
will move on chain.
2:52
Once you start issuing money and financial instruments on the blockchain,
2:54
you have both cash and this instrument is living on the same database,
2:59
which is global, which is always on 24/7.
3:02
And this is not a database which is owned by anyone, right?
3:06
It's sort of collective good.
3:07
The other thing which I think is interesting is that blockchain provides a lot
3:10
of transparency.
3:11
And this is very important in the space we operate in.
3:14
It has a lot of value for CFOs.
3:15
And I'm not talking about crypto CFOs.
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I'm talking about regular CFOs, regular chargers
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that just want to have transparency and understand quickly
3:23
the products that they will potentially allocate money to.
3:26
What's next for Spiker?
3:28
What's next is international expansion for us.
3:30
We want to build a global business as fast as we can,
3:33
growing from a French business to a Pan-European one and eventually a global
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one.
3:38
And I do think also that an increasingly number of traditional businesses
3:41
will be equipped with wallets in the near future
3:44
and use the records as well as part of the treasury workflows.
3:47
Thanks for coming in.
3:48
Thanks a lot for having me.
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