May 8, 2025 20:00 (UTC+8) — In the DeFi industry, experiencing key stages of algorithmic stablecoin iteration, RWA asset explosion, and the integration of AI + Web3, the next-generation financial protocol CosmFinance, driven by the high-performance public chain CosmChain, officially announces the full launch of its core pillar, CosmBank. As the industry's first DeFi protocol to deeply integrate algorithmic non-stablecoins, RWA asset liquidity, and AI-driven financial models, the launch of CosmBank marks the formal entry of decentralized finance into the 3.0 era, centered around a 'programmable real economy'.
Industry positioning: Filling the structural gap between algorithmic stablecoins and real assets.
The current DeFi market faces two core challenges:
1. The sustainability dilemma of algorithmic stablecoins: Most projects rely on pure game theory models (such as the death spiral of LUNA-UST), lacking a buffer mechanism of real assets.
2. Liquidity fragmentation of RWA assets: Traditional institutional assets struggle to interact seamlessly with on-chain DeFi, leading to a significant yield ceiling.
CosmBank reconstructs the value logic of stablecoins through its original 'three-tier asset anchoring' model (algorithmic adjustment + RWA collateral + AI dynamic hedging).
Layer 1: A high throughput (10,000+ TPS) and zero-knowledge proof (ZKP) privacy settlement layer based on CosmChain, ensuring transparency of underlying assets.
Layer 2: Accessing compliant RWA assets (such as U.S. Treasury bonds and commercial paper) through CosmHub, providing off-chain value support for CSM tokens.
Layer 3: The AI oracle of CosmFund analyzes market fluctuations in real-time, dynamically adjusting staking rates and Treasury asset ratios to achieve systematic risk hedging.
This architecture makes CosmBank the first protocol to achieve stability through a 'on-chain-off-chain-algorithm' three-dimensional stability mechanism, evaluated by industry experts as the 'upgraded version of Ampleforth mechanism + MakerDAO RWA module + ultimate integration of Chainlink AI oracle'.
Technological breakthrough: Defining the four core innovations of DeFi 3.0.
1. Dynamic staking derivatives (sCSM).
Users staking CSM receive sCSM, which not only serves as a yield certificate but can also act as a cross-protocol liquidity carrier, directly used for RWA bond subscriptions on CosmHub or AI data staking on CosmFund, achieving 'single token multidimensional yield aggregation'.
2. AI-Optimized Bonding Curve.
Traditional bond protocols rely on fixed curves, leading to liquidity exhaustion under unilateral market fluctuations. CosmBank introduces a deep reinforcement learning (DRL) model trained by CosmFund to optimize Treasury bond pricing in real-time, reducing APY volatility by 63% (based on internal stress test data).
3. On-chain securitization standard for RWA assets (CosmSec-20).
Through the CosmSec-20 protocol launched on CosmHub, RWA assets such as U.S. Treasury bonds and real estate are transformed into token standards that comply with DeFi regulations, supporting programmable permission management with KYC/AML, and have been certified by the Monetary Authority of Singapore (MAS) sandbox.
4. MEV-resistant trading engine.
Integrating CosmChain's threshold encrypted memory pool (TFM) and batch auction mechanism, reducing the slippage loss caused by arbitrage bots from the industry average of 1.2% to below 0.3% (data source: Delphi Digital benchmarking).
Ecological synergy: Building the 'flywheel effect' of Web3 finance.
The three pillars of CosmFinance form a closed-loop economic model:
CosmBank provides a stable liquidity foundation. CosmHub injects RWA asset yields. CosmFund enhances capital efficiency through AI, feeding back into CosmBank's protocol revenue.
According to Messari analysts' predictions, this model is expected to push the protocol's TVL to the $5 billion level within 12 months, capturing over 30% market share in the algorithmic stablecoin sector.
About CosmFinance.
CosmFinance is a multidimensional financial ecosystem driven by CosmChain (the underlying public chain), including three core applications: CosmBank (algorithmic non-stablecoin), CosmHub (RWA + DeFi asset hub), and CosmFund (AI-driven investment protocol).