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Victory LEE
6:53:3

하이바 들고 있는거여?

Mario
7:35:32

I am not even sure if you will find any 2000$ invoices

Johau Von Tokrak
8:37:16

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SteveM 🌏
10:29:50

What do you see average invoice price $$$ being

Ned Yalko
10:34:6

wasn't $5k the minimum size?

SteveM 🌏
10:41:40

Hyperthetically let's say $5k interest on that per month would be % wise

Hmm, I assume we are not dealing with invoices from selling products but mostly from services. In that case I would think 5000 might fit as average for the smaller invoices

Also in not many cases you would be willing to pay financing interest on a 1000$ invoice since that won’t boost your Cashflow

Yes but I would not be surprised if they enable to co-buy an invoice. So let’s say 2 pax 2500.

SteveM 🌏
10:56:26

What would monthly %age be on that?

Pooling was discussed but I doubt it will be available in the beginning

Ned Yalko
10:57:52

PPT was talking of something between 8-10% per year

Not many will actually be able to finance those invoices with the current ppp price, just too low

Ned Yalko
10:58:0

I reckon PPP has similar yields

Ppt has more like 28% per year in average

Ned Yalko
10:58:34

that's a freakin' a lot considering the rates of "risk-free" assets like US treausyr bonds currently

At least from what they said

Ned Yalko
10:58:45

lol no way

8-10 a year is NOT a lot

Ned Yalko
10:59:7

I know about 3-4x the current yield on short term US bonds

Ned Yalko
10:59:13

r u kidding

No 8-10 a year is a joke

Ned Yalko
10:59:28

u have to consider the current rates of treasuries

Ned Yalko
10:59:32

the german bund is 0.3%

Ned Yalko
10:59:39

MINUS

Why the hell would you compare that

Ned Yalko
10:59:51
Ned Yalko
11:0:4

ok whatever mario

Ned Yalko
11:0:6

some people get it

Mario
11:0:13

Auxmoney gives you 10% a year for sure with less risk

Ned Yalko
11:0:33

i'd really challenge the definition of risk

Mario
11:1:24

No insurance and no pooling = risk

Mario
11:1:54

Auxmoney allows pooling so you invest as low as 25$ per customer

Ned Yalko
11:1:55

ok, but also u have to consider the quality of data PPT/PPP are giving u vs Auxmoney

Ned Yalko
11:2:20

PPT and PPP have way more accurate and uncorruptible data tyhan auxmoney

Ned Yalko
11:2:29

good luck in making 24% per year

Mario
11:2:35

Based on what ?

Mario
11:2:56

Ppp you don’t know, ppt got dozens of invoices overdue

Ned Yalko
11:3:1

on company's cash flow data or xbrl data

Ned Yalko
11:3:13

time will tell

Ned Yalko
11:3:20

when the credit cycle is loose everyone makes money

Ned Yalko
11:3:54

but the next credit crunch will show the real potential between PPP/PPT and other loaners

Ned Yalko
11:5:14

they are still startups, once they ramp up on invoices and marketing they will gain market confidence and yields will go down

Mario
11:5:23

It’s simple, no one will care about 10% a year. You can get more by doing absolutely nothing (nexo as example). So no bids will happen which will drive the interest up to 20+

Ned Yalko
11:6:51

SMEs will be begging for PPP/PPT cuz of their efficient business model, which consents them to get cheaper financing

Ned Yalko
11:6:56

so don't expect mega yields

Mario
11:6:59

Quite sure you will end up at 2% a month if not more

Ned Yalko
11:7:31

but they're safer than many other bonds or investments

Ned Yalko
11:8:3

not bad considering a negative yield environment

Ned Yalko
11:8:11

u can loan money at 0% rate and buy invoices

Mario
11:8:45

Just get safe stocks then like amazon I guess. Will give you more then 10% averaged over some years

Ned Yalko
11:8:52

lol

Ned Yalko
11:9:15

I hope u r joking

Mario
11:9:18

Dividends alone can be like 4%

Ned Yalko
11:9:38

amazon safe stock

Ned Yalko
11:9:57

ever considered the price vs book ratio?

No idea what their valuation is currently it was an example

Ned Yalko
11:10:25

amazon and tech companies just got ballooned thx to 10 years of cheap credit

Ned Yalko
11:10:27

they're done now

Ned Yalko
11:10:48

europe is in negative yields territory, huge money will flow from EU to the USD

Ned Yalko
11:11:4

USD gets stronger and that will deflate stocks

Ned Yalko
11:11:43

the pigs are already super fat, time for havesting

Ned Yalko
11:12:32

the only thing that will distort things is money printing from central banks, which they r doing right now with the repos

Ned Yalko
11:12:50

maybe stocks stay flat, but Cryptos and PMs will surge many many many times more than any other asset class

Whoever is into paypie for 10% yearly gains just lies to himself. Since then you are only in for the token price because you could already easily get 10% a year

Ned Yalko
11:13:50

what u don't understand is that by having a 10% gap with zero-risk assets is that smart people loan money at 0% rates and buy the invoices

Ned Yalko
11:14:0

so for them it's not a 10%/yeargain, but a lot more

Ned Yalko
11:14:4

/year

Ned Yalko
11:15:28

while the world is in negative yields, u r making a 10% return by doing nothing...that's not bad at all!

Ned Yalko
11:15:37

pensioners are losing money, while u r making money

And then again it is safer to use your loan as stablecoin in nexo

Ned Yalko
11:16:39

and the important thing to understand from PPP is not much the absolute yield %, but also the safety of it's business model...that blockchain tech may have, a lot superior and efficient than the current banking/lending system

Ned Yalko
11:16:43

minimize counterparty risk

Paypie will never be without risk, you will see once that one out of 1000 invoices defaults

Ned Yalko
11:16:56

defaults,cash flow issues,credit crunches

Ned Yalko
11:17:25

I've not said WITHOUT risk, but it will minimize risk compared to other business models

Ned Yalko
11:17:59

the current world is a lot different than 20 years ago... 2% difference in interest rates is a huge thing

Ned Yalko
11:18:14

look at japanese hedge funds how they r so desperate for a small differential in yields

Ned Yalko
11:18:24

that's where the big money is

Ned Yalko
11:18:39

and that's why their interest on PPP is gonna be piqued on

Ned Yalko
11:19:24

and tell me how many cryptos offer a potential return in form of passive income

Ned Yalko
11:19:29

very very few

Paypie isn’t passive though

Ned Yalko
11:19:58

semi-passive

Actually every masternode

Or Celsius/nexo

Ned Yalko
11:20:37

few bidders may actually win the bidding game, but overall that will push the demand for tokens

For sure

Ned Yalko
11:21:2

and once demand for tokens pique up, yields lower and SMEs eye even more the PPP ecosystem

Ned Yalko
11:21:29

so if u don't make an income from the invoice, u make it through capital gain on the token's price

About using loans for something like this, you won’t get any loan though I guess

Ned Yalko
11:34:59

I'm curious to see how's the live gonna be

SteveM 🌏
11:48:57
NoFomo319
12:29:2

.05% default = 50 out of every 1000.

Ned Yalko
12:42:40

u mean 5 out of 10thousand

Ned Yalko
12:42:59

1:2000

Ned Yalko
12:43:43

if that's true it's super safe

Ned Yalko
12:44:27

I think the figure was 0.5% ...0.05% sounds too good

Travis P.
13:37:23

Default rate will be extremely low because of the stellar credit risk assesment system.......

NoFomo319
13:39:25

According to team, default rate is 05% and is expected to be lowered by single ledger implementation.