Co-authored by the Chelo Team: Ohad Bachner and Rafael Contreras. Cryptocurrencies have gained popularity in recent years, with new tokens being created almost every day. One of the challenges of creating a new token is to ensure that its distribution is fair and equitable. …

Chelo Labs Mini DAO v2: Empowering Smaller Token Holders in Governance (A whale against the small fishes) Co-authored by the Chelo Team: Ohad Bachner and Rafael Contreras. The introduction of governance tokens, such as Compound protocol, led to a significant surge in the DAO sector. The opportunity to participate in…

(The most modular DAO stack) Co-authored by the Chelo Team: Ohad Bachner, Ophir Cohen, Rafael Contreras and Jose Valdovinos. If you have an interest in the world of blockchain and cryptocurrency, you have probably heard of decentralized autonomous organizations (DAOs). …

Co-authored with Rafael Contreras and Ohad Bachner Web3 uncollaterization Collateralization and overcollaterization of loans are great methods to protect the lender … but they require the borrower to somehow have saved or have been lucky to own enough collateral to post (e.g. …

Collateralized Loans — Co-authored with Rafael Contreras and Ohad Bachner You might think there are enough protocols to provide collateralized loans in crypto, like Aave, Compound et al. These loans have been designed to protect the lender: they are overcollateralized on liquid assets, meaning that if you want a loan you have to…

What else can I do besides writing messages on the blockchain ? In my previous Letter from a Blockchain Agnostic I kept hammering down the basic use of a blockchain: Blockchain keeps records that cannot be (easily) faked nor destroyed. As a ‘thought experiment’, I added the example of someone…

Given my background, I have been asked over and over my opinion about Bitcoin and Blockchain, both from highly skilled Financial professionals to ‘friends and family’. The debate on cryptocurrencies has been extremely polarized; Evangelizer: “Bitcoin’s structure is very ingenious. The paper money disappears, and crypto-currencies are a much better…

Recently I have been asked about using private company public data information for financial purposes (which could range from credit scoring to potential private equity investment). In the UK all companies have to register at the Companies House in a process that usually takes minutes, but: “At the moment, the…

I write this as precautionary tale intended to Engineering undergraduate students interested in the areas of Data Science and Artificial Intelligence (initially given as a guest lecture at Mexico’s ITAM video-link in Spanish) Data Science is supposed to be the intersection of Computer Science (hacking, understanding databases), Math and Statistics…