Hi everyone welcome to the Twitter spaces let us give just a few more minutes for the folks to join it apply
pleasure to have you all here. Let's get constable and invite our friends to this amazing conversation about to take place today with our friends from Valura and Asak Hub.
So I guess we're all here. It's a pleasure to be amongst you all. My name is Mila. I am the Latin American lead for Salah Foundation and today I'm joined by Valura and Azacab to have a very interesting conversation around the topic of
As we all know, the refiac system is rapidly growing. Thanks to cutting-edge players, such as the ones they're joining us here today. If you don't know, Salah just yet, and this is your first interaction, Salah is the first refi, carbon-negative blockchain.
is probably there is this way to interact with the Sallow app system, minimizing barriers to entry for new users around the world. ATHIC Hub is one of the leading impact investment, we fight protocols and it's now launching its new community program exclusively on Sallow and with the
So a lot of the conversations that we are going to hear today are going to circle around this topics. I would like to welcome Paola Garcia from Valora and ask her to introduce herself to the audience. Thanks, Mila. Hi, everyone. Excited to
be here today as part of the Valora team. I'm the Internationalization Manager and Valora and for those of you who don't know what Valora is, we are a mobile first crypto wallet, we're native to the cello blockchain and the cello ecosystem.
And we are on a mission to unlock access to financial opportunities so everyone can create and share value without barriers. Our strong focus is being a gateway to Web3E on cello. And for that, we are continually partnering with
with more and more builders and dApps and projects like Ethic Hub, who we are super excited about to unlock value for our users and offer a number of different and variable use cases to our user base. That's it for me.
John your next to introduce yourself Hello ladies, I'm a second to be here today. Thank you so much for the invitation. I'm John. I'm the head of Rosa at Etiquab and for those who just know about us it has been one of the first with high protocols. We were born in
2017 and finally we are a marketplace of money just like Abe but the difference here is that we are connecting the defile ecosystem with the real world and in this case we are lending money to small holder farmers people who traditionally have no access to to the banking system they cannot borrow money
and when they have to pay interest rates higher than 100% and with us they only have to pay a 60% it's much lower than before but the real innovation here is what we call the crowd collateral system which works with ethics it's already spoken and that means that every loan every every very much
we are going to go to small hall of farmers, it's over-colateralized by our native token. And well, it's amazing to have the opportunity to build on cell watching and also to find out with players such as Barcelona, which helped us a lot to onboard new users in a very easy way.
Okay, so I see a lot of people joining the room. This is going to be a conversation around Ethic Hub, new project, Volura, and the role of ReFi in the communities. So to kick start this discussion, among
ourselves, maybe we should address it first, what is the concept of "re-fi"? Right? Re-fi stands for "redenerative finance" and the role that Re-fi solutions play is related to unlocking financial opportunities for communities around the world.
But also doing that from a perspective in which positive externalities are generated from the actions of different actors in the play. So there's a huge concern about inclusion. Their opportunities to provide that in a framework are with business models.
those that make solutions that are green and that benefit the environment and the ecosystem and the smaller ecosystems within the community, bringing them stronger together. Paula, maybe you could bring us some intel
the role of ReFi Solutions for unlocking these financial opportunities through the eyes of Valorous work within the community. Yeah sure. So for Valorous, a key aspect to bringing ReFi Solutions and
helping those different projects unlock financial opportunities for communities around the entire world is accessibility and that translates in our wallet into for example being available in 13 languages so then
non-English speaker users can access our wallet, navigate the space more comfortably. We are also available in over a hundred countries and we are model first. I already mentioned this but this is super important because what this means is that the group
So, you don't need a high-speed internet connection
to access Valora and all of the REFI and Web3 projects that are available through our DApps page. So you can start exploring right away. And this is very key to start learning about REFI and exploring the ecosystem as a whole.
I think you mentioned Valorais available in different languages, right? Is it over 10, 13 languages so far? Yeah, so far it's 13 languages and we
are continually working to improve our multi-local experience. So that number is probably going to grow in the future.
That's awesome. And in terms of other languages than English, what is the most spoken language by the lower community other than this one? So a number of them actually
Spanish, Italian, Portuguese, those are really big and we are also seeing some some traction on our Asian languages as of late.
So a lot of global Valora users here. That's amazing. That's the power of like being accessible through a mobile phone, right? Exactly. Being present in all of the ZACO systems. It's now SDG is having a phone on your
hands. You mentioned a little bit about the use of Valura in regions of limited access to internet and unbanked communities. Do you want to refer to X4 and tell us a little bit more on how does that take place with Valura app? Yeah, so basically being
built on cello, you don't need a super speed connection to access Valora and even if you don't have access to the internet at some point transactions may go through at a later point for example and this is also part of being mobile first right you are mostly
using Valora on your phone and probably on the go. So that's very, very important to remain accessible. That's amazing. Now, back to Joanne from Asset Hub. So what's Asset Hub and how is it using this refice
solutions to unlock this financial opportunities for such communities around the world. Well, first of all, we're talking about RIFI. We are standing for adding more value than what we are extracting. I think that's a key of RIFI business model. And linking these to
What Paulo was saying, most of the farmers we are working with didn't have access to, let's say like, a rifle or a laptop, but most of them they have a mobile phone. So that's something very important for us because finally we are like allowing them through the use of malaria.
We are not yet there, but we are working on that. To allow them directly to get those loans that we are lending from the DFI ecosystem. And this is quite important because, for example, I think like, Barro and Selo, they are already alive on
on Brazil. I think you have like the tail coin from from Brazil and you have some kind of of partnerships with this with this over there and but it's something that we are trying to use in the coming months. So finally the point is to onboard users in a very easy way so they are able
you connect with not the traditional banking system, but to this new kind of watching and this comic model. That's super interesting and maybe for the folks who are here and I know about the Brazilian stable asset. So, solar community accounts with three
different stable assets ignited by the community, the CUSD, the Sallow Dollar, the CEO and also the C Real. How is the name of the currency for Brazil? And the local adoption was to such an interesting point that you were able to pay for things such as your
rent or a coffee or even your lunch using such a stable asset and it's amazing to know that this initiative is also connected to the expansion plans and further interests of like ethic hub within the local community of Brazil.
I couldn't forget about the name of the seal. So tomorrow when we have the AMA in Spanish, you're going to see my full portion in the work so you don't forget Timber's dealing anymore. Perfect.
Everyone, so going a little bit deeper with this ethics of co-beauty program, do you want to let us know what is it about and what we can expect from it? Yeah, absolutely. Thank you. First of all, when we talked about Web Stream marketing strategies,
It's something new. Most of the time you need to take into account your native tokens in this case is ethics. Most of the traditional, these type protocols used to have like hyper and black inflationary tokens. So they were like giving away reward for
to the community in order to catch or to attract liquidity providers, some more volume. But we are in the middle of a severe market and we have noticed at least how sustainable what stream marketing strategy works. So what we have been working
On ethical for the past months it's from building something new. In this case we are trying to attack what we call the protocol control value. That means that the money finally stands within the protocol and that's something not mercenary as it used to happen during the 5.0 normal marketing status use like the deal farming.
But the motion fields that we are also launching not only let's say like a boss on the landing site or even higher rewards when you stake your ethics, but we're implementing what we call the community program or the community boss and that means that we are punishing with different kind of key and
He hindered wooden vehicles and also different kind of proposals like let's say in the market or talent protocol barra by itself also sell in order to girls all together because this is what it's what's we about it's about cooperation it's about collaboration it's not about to compete and
against each other, but it's about to try to grow altogether and wish for the adoption of FreeFight Business model. If you want, I can talk a little bit more about the different kind of products when you are interacting with Edicard. I'm going to see before the first and the easiest way is to
Just to lend money so you can go to the 20-cap platform you can go like to the bone bone sites and there you can lend from 100 CUSC from 100 dollars You are following two eight or 12 months and after that you will receive that 8% APR right now we are both
thing that they're like a boss to with plus two percent on ethics and on the coming months we're going to launch another bond for 24 months but the second option on this like the real let's say a crypto edition if you want to go into some way it's dead it's it's already
I must say that the ethics token is being created after three years of research understanding the whole operational system behind the business model. And that is, that is designed to catch the value generated by all different kinds of operations and
interactions with the lenders, with the borrowers, with the whole ecosystem. At the same time, when you are buying edits and you are taking it within the crowd-clotted system, finally what you are doing is you are like trading that collateral from the scratch for those small shoulders farmers.
So what you are doing is you are saying hey I trust that you have I trust that those people those farmers are willing to pay and are going to pay so I'm betting that say betting that's only I'm taking my money in order for them to improve their lives. This is how how the ethical ethical works
That's super interesting and I'm also happy those sirens are not like chasing Oujoon because that seemed a lot. So yeah, that's super interesting right because what you were explaining to us is that I
The Ethics Hub Community Program is focusing on partnerships and collaborations and exploring with new futures and rewards for such collaborations. And besides that, you have a second token with just Ethics Swapper.
Well, that's a new implementation. That's new integration with the several, several, several weeks. That means that people can easily swap any, any token for ethics. This, like, aligned with Valorant because finally what we are trying to do is
minimizing the end transfer years. There is something that I feel like most of the different protocols are the problem that we are trying to settle. How do we implement ECS user interface? How do we implement these ECS dynamics for users?
So in this case, it's taking advantage or delete because you are mobile frauds. For sure, we are very important innovation within the QtL persistent because right now you can interact with protocols. Most of the time only by having a lot of
up top but there's like nothing closest. I guess actually the community forum and it's looking for a long-term strategy in this case. I don't know, I don't know if I can talk about this. The table, I will just face something.
This is that we are working with the NSD Solgon tokens technology in order to, let's say, to catch and to create more community around Etiquab. But it's something that I will keep by myself and probably we will talk in the coming months.
But we all love spoilers, right? So yeah, what we are seeing here is that the refiacusism is not only growing fast, but also trying to find like creative solutions to connect and enhance the network effects between different players in such an
system. So, "Cello plays a part on it right for being this hub for re-fi solutions, refine triperners and opportunities related to that." And I also wanted to hear from both like Valura and from AtheCub how John
and Paula, you see like a positive impact effect right of the telecosystem and its users and its communities, initiatives that you are bringing forward together, like how do you feel the warmth of the telecommunity and users towards what you guys have been building so far?
So here at Valora what we see is a lot of engagement from users on the different Wi-Fi solutions that are available on the cello blockchain and this is mainly through our seamless experience
Connecting with DAPS. Valera has a DAPS page where users can either discover new projects and explore by themselves or connect really quickly to their preferred projects such as FAQ, for example.
And this DAPS page along with our partnerships with builders and our integrations make it easy, for example, for a user to now stake and swap ethics directly from the like, connecting to the DAP from the Valora wallet.
So Valura serves as this interface that makes it easy for a user to have access to different re-five projects, but also to be able to navigate between the different opportunities and experiences such projects such as ethics
>> Yeah, exactly. We like to think of ourselves as a gateway to the cello ecosystem as the easiest way to interact with it, minimizing entry barriers for new users. And also, I'd like to point out,
We have on our website, we have a ton of learning materials. For example, I encourage everyone to go take it out, like for either our blog page or our learn page. If you're a newer to the crypto space, there's a lot of useful information.
information that you can pick up there and start learning to explore and feel more comfortable connecting to different projects and seeing what you like to do in there. For example, investing to create an impact on ethics.
I personally am going to say that working with Laura is one of the best things in the world. It can sound kind of weird thing, but right now I think it's leading from physical events. It's the best way to convert and for more new people.
And the easiest way to convince them is to say, hey, you can download Valora. It will take less than five minutes. And you will be directly interacting with the whole DeFi or in this case, ReFi ecosystem. That's amazing.
how much time takes for a non-triple user to onboard using a traditional exchange, then downloading Metamass, then starting interacting with Uniswob, whatever it is. So, our make it very easy.
Yeah, so there seems to be like a very seamless experience from the users like Point of view of things. I'm also curious to know on the other side, like on the integration side with cell-blocking, how is that experience for you guys on Asset Hub?
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So we are also leading along with the market and selling protocol proposal to create a sale of Europe now. And the end here and the final goal is to take advantage of this huge and amazing opportunity by using these kind of new tools we are working with.
the whole European system. There are a lot of users that don't really know about cello, but they need to. It's a competitive advantage to have that mobile source.
value, finally because people always think with themselves the mobile is home, but not the laptop. And even if we talk about Wi-Fi business model, finally we are focusing on, we are targeting emerging markets where people have mobile phones, not laptops.
Right, and the ReFi business model, it can be perfect, but in the end, it really needs to achieve the users, right, the individuals, and it needs to be something easy to use and to understand. And it seems that Valura is doing a great job on that.
This is not exactly refy related but is related to the usability of Valora wallet and I just wanted to tell a very short story I wasn't some Francisco recently and I met some people that worked in the cello
office spaces in San Francisco. They clean the spaces and they are from Guatemala. So we talked right and I told them, "Hey, do you know what we do here? Have you ever tried this? Take a look at Valora." So like in less than maybe 10 minutes conversation.
They downloaded a velura and after on the same night they sent me a picture because they had bought pizza. It was in velura. So probably very not a reply but more oriented on how this thing can have like real world use cases and impact through like similar
and so on and so forth. Yeah, prior to us like advancing to the next stage of the Twitter spaces, which would be a Q&A session. So flag into all of you who are in there. If you have questions, please feel free to start posting them.
on the thread for the Twitter spaces. We're going to go through them in a short moment, but I just wanted to give like some more space to both Paula and Joanne to highlight any of the aspects right of this project that is moving forward. Sorry for the bad.
ground noise, all the SX integration and news cases and also as follow-up in a way to onboard new users and give them access to different interesting RFI projects such as Joanne. Joanne's an impact hub, FAQ, sorry one.
Well, in this case, we're just going to be partnership with another group to project here in Spain. It's called the rocket. It's an easy on ramp. This is way to onboard or to in this case, like to
So, sometimes directly to Valora and say before we are living from physical events and we are always with the same experience but hey, do you know Valora? Hey, do you know what you have? Well, then you need to know, DOM of Deep, we will send you
like an editor of a mixer cello and you will be able to start interacting with these also make a system and these cells are protocol. The advantage thing that with less than five minutes someone can like someone who have no experience within the creeper space can start working with it.
Yeah, for Valora, we are very focused on partnering with builders all around the CELOA CoSystem. And for example, now we are doing a DAPS podlight campaign where every week we highlight different projects.
such as FAQAB and we create learning pieces on our blog for our users to research, to learn more about the different opportunities that the cello blockchain has to offer and help them guide them through this exploration of the space.
Super interesting and on the cell phone nation side of things if you don't know cell community or the cell block changes yet Make sure to follow the Twitter also take a look at the website cell.org in which you can find out about
like some of the very interesting things on cell blockchain, for instance, it has been over 820 days negative and carbon, it has over 245 million transactions and counting the average block time is five seconds while
The average gas fee is 0.005 cents. There is a big, high community in over I think 1000 projects already built in more than 150 countries around the world. It's probably one of the largest, if not the largest, global and diverse
community on blockchain that relates to different types and different engineering towards like regenerative solutions. You can draw love with Salo from the centralized payments to mobile to build your apps and also access this global
like network of entrepreneurs and solutions in 150 countries. We like to call it as a blockchain ecosystem built with purpose and some of the partners in this ecosystem are of course Valura and Nethek Hub but also in-park market kickstarted
Kickstarter, flow carbon, token, Uniswap, collectivo, and all joined in this together mission. That is prosperity for all. Okay, let's move forward now to the questions from the audience. These questions can range from ReFy to Asak Habs initiative to
Valura. Anything you guys want to further explore and discuss? And the first one comes from Joey. He's asking what are some of the benefits of Valura versus other crypto wallets? Well, we've already talked about being mobile first and the low
fees that come with being built on the cello blockchain and also are focused on partnerships and app discovery but I think another key aspect that differentiates Valora is it's friendly UX. We have a very intuitive experience
that makes it easy to understand for first-time users and to start navigating, jumping directly into crypto. And also, we have a number of different features like our global peer-to-peer payments feature.
or our e-NAP swap experience for certain tokens. But ultimately, there's a number of different things. Additional opportunities for our users to get, for example, rewards on their funds. That's called our Supercharge Program. And something that's very interesting about that is that
you can put your funds to use immediately so you can get your rewards on your funds and invest on ethics and start taking it right away. It's that easy. So I think that's one key differentiator for us being an easy to use wallet that doesn't require
a lot of previous knowledge to get started. I need to use wallet and investing with social impact. That's quite important. Exactly. Another aspect, Palo, that maybe could be interesting to explore is the fact that Valera has some programs. If I'm
are directed to developers that have the ability to connect cash in and cash out opportunities on and off ramps in different countries. So that seems to me an interesting differentiator as well if you want to like further explore. Yeah for sure. So
So we're constantly adding new caching and caching partners. We've launched a while back our Fiat Connect program, which is making it easier for builders and unwrapped builders to integrate with us. And the idea behind this is taking crypto to a global user base.
and making it easy for people to unwrap as soon as you download Valora everywhere in the world. This is of course constantly evolving and it's something that we continue to work on every day. It's a big part of our work at Valora.
That's awesome. And now it seems we have a question from the stage. Hi, live in Cisco. How are you? What's your question today? Alright, hello, good evening. I'm good and my question is mostly dearly to Valorant. So,
I was thinking about the possibilities we want to run now. People who are not really too deep into crypto space, people who don't really understand that basically people just want to transact and money.
I enjoyed the benefits of blockchain technology. One of the challenges most of the students has always been managing seed freeze and likes. My question is how is value or how is value approaching or planning on
And during the people like for example, I think you need you need swap or something. There's something where you can just you know just backup your sit phrase and then send it to iCloud and you know, probably possibility of having a kind of non-away for people to
not up to go through the herds of writing down your seed phrase or keeping it some way. Does Valura have something like that in plan? I'll say for people who are not really too interested in writing down some phrases.
the body of managing this type of wallets. Yeah, thanks for your question first off. Yeah, we do have some experiments on the works. I don't have the technical details on
that unfortunately I'm not on the on the technical side of our team but I will I would be happy to defer to our very talented engineering team if you'd like to speak to them but we do we do have to work plant around that
So a call out to the Laura engineering team to connect with living Cisco. Awesome. I see that we have another question here on the thread. This comes from Tim.
And he says, "How to do on-ramp in a country where credit card issues is low." Also, other forms of online payment systems that are unavailable, for instance, in Sudhinami.
I feel like I can take this. So part of the work that we're doing with Fiat Connect is aimed at ensuring that people can on ramp not only in different countries and different markets, but also with different payment
So the proper answer would be that we are working to offer as many solutions as possible for people to unwrap with a bank account, for example, instead of a credit card or a debit card.
card and in different ways. You can also of course fund Valora from external exchanges and all of that but the very important works that we're doing with FIEN Connect is aimed at solving that problem specifically.
It's very interesting and maybe referring back to the audience. If any of you have suggestions on how to best do on ramp in countries where access to financial instruments, institutions and things like
heart are hard. Please feel free to leave your suggestions in your comments on this thread because I'm sure a Valera team would be interested in taking a further look. John, I have a question for you why we don't have all your questions here in the
I wanted to know what was the thinking of ethics hub like team. Prior to starting this new program, this ethics hub community program, did you hear from the community? This could be a good idea.
something that was brought up internally. How did you come up with a strategy for the incentives and the new futures that you're going to give? So if you want to give us a little bit of the intel of the backstory of how this came about, I would be super interested in knowing.
So, the first thing we were doing were like listening for the community feedback. We have been implementing a lot of improvements thanks to the feedback received.
He has the experience that the coffee is a very well-known protocol. Finally, we have been here for more than five years. A lot of people know about us. Most of the time, we are not like the coffee boys because we are not only authentic, we are also commercializing the coffee. So, can you hear me? Yeah?
Hello? We can hear you. You can hear me. Oh yeah, perfect. Sorry. So we are, we were known as the coffee guys because we were like always reading coffee too. Come on. There's women there too. Gabriela. I'm kidding.
Yeah, sorry, yeah, not the coffee guys but also the coffee ladies. But a very important aspect of it is that we were like taking a look into or like in the census program, like the traditional liquidity mining, where our trying to understand what
was failing, why we were not converting, and we say, hey guys, guys and ladies, we need to come up with something new. So there is the deal of protocol control value. It comes from a defy 2.0 protocols, and the goal is finally
to create a strong protocol that can work by itself without the need of human interaction. But the first step in order to achieve that is awareness and after that conversion, which can be translated into the wording of new users. And you can onboard new users first
because they are aligned with your values. Etica has a lot of good values, but also in a third distribution of ethics for tokens. So that's what we have been working on and it's like what we are doing with a new community firm.
Great! We have two more questions from the programmer and they are directed to Valura. The first one is "When is Valura" adding cloud backup and the second one is "Can we pay for gas fees with CUSD?" Well, the second one I can get it to, but let's hear from Valura.
Yeah, so first of all you can pay for gas fees with CUSD on Valora. You might not be able to do so across the different DAPs that you can connect to from the wallet. But yeah, you definitely can use most of
our features and pay for gas with the USD. As for the timeline for Cloud Backup, I'm not sure when that's coming out. I know that's in the works, but still kind of early for me to give out a date. Sorry about that.
I heard you guys are testing, so that's good news. Yeah, and the test can say just good news.
Yes, exactly. We are testing it to see how it works and then we'll define when it's rolled up.
Awesome. We have five more minutes to go. I would like to incentivize the audience if you have a question, you're not quite sure whether you should ask or not. This is definitely the time to do it. And also I would like to let you know that tomorrow we're also going to be hosting a
Twitter spaces. This is going to be hosted in Spanish and also by Mai and in Puerzoño, which is a mix between Spanish and Portuguese that is very well known in Latin America as a self-invented language. And also again to invite you
to try and test, right? Both of the solutions that are here today, this protocol, Zolora and Asakhov. When it comes to the coffee that Joan was just saying here, if you guys are lucky enough and all of these good conferences around the world, they also allow people some free, interesting samples. It's some of the best that I have
have ever had, but you need a grinding machine because they usually come in grains and not in the powder. So just an FYI, go to the crypto conference with your grinding powder machine. Actually, we have both. We are watching on that. The point is to minimize the interest for years. So everyone can stay so funny.
Awesome. As closing remarks then as we are walking towards the finishing line of the traders' places, do you want to let us know a little bit further? What's the initial
Information of as a cub who is involved. Good ways to contact you guys. I don't know if there's a call to action to follow like a specific web page or follow a Twitter. That's the time to you know bring the community closer to your project. Yeah, so so you can find all information
within our Twitter profile. You can also join our Telegram group, we have a very active community. And I hope to see you most of tomorrow for the Spanish spaces. And, guys, and ladies, you can invest on
and lend money from $100, helping people improve their lives and step out of the tool to work their own. So right now it's time and this is where it is through Ballora. So you have no excuses.
Yeah, for me, I just I wanted to thank everyone for being here today. A huge shout out to you Camilla, to the whole cell of foundation and to ethic have for the incredible product that they have. And yeah, encourage people to go to our website where you will find
like links to all our socials, including our Discord channel where you can learn a lot about what's new on Valora as we launch and roll out new features. And yeah, I think that's it. Happy to be here today and I will
also be a part of tomorrow's Twitter space in Spanish. So I'll be happy to join you there too. >> Valo, one last question for you. What if we have developers here doing their own solutions? How do they reach out to Valorra to have their token?
support it in the wallet. That's a great question. So in our website, veloraapp.com, we have a section that's for exclusively for DAP developers and Web 3 builders where you will have all of the information clear
documentation and how to integrate with Valora and also points of contact to help speed up the process. But overall from experience, I think this has been a pretty seamless process for all our builders.
Thank you so much for joining Valora and Ethic Hub. Thank you for accepting this invite to join us today and speak with the community.
to more people. If you want, also don't forget to subscribe to the newsletter of the Salah Foundation in a very interesting K-dancy. It's not like every day, every week is I think every two weeks you're going to receive on your inbox. Curated content that is going to
you know firsthand about initiatives. They're undertaken by the amazing followers, founders in the solo ecosystem, but also about the hackathons and different processes and programs that we are hosting. Thank you for joining us today in Luckily We Meet Again tomorrow.
Thank you so much. Bye bye. Thank you. Bye.