{"@context":{"CIP100":"https://github.com/cardano-foundation/CIPs/blob/master/CIP-0100/README.md#","authors":{"@container":"@set","@context":{"name":"http://xmlns.com/foaf/0.1/name","witness":{"@context":{"publicKey":"CIP100:publicKey","signature":"CIP100:signature","witnessAlgorithm":"CIP100:witnessAlgorithm"},"@id":"CIP100:witness"}},"@id":"CIP100:authors"},"body":{"@context":{"comment":"CIP100:comment","externalUpdates":{"@context":{"title":"CIP100:update-title","uri":"CIP100:uri"},"@id":"CIP100:externalUpdates"},"references":{"@container":"@set","@context":{"GovernanceMetadata":"CIP100:GovernanceMetadataReference","Other":"CIP100:OtherReference","label":"CIP100:reference-label","referenceHash":{"@context":{"hashAlgorithm":"CIP100:hashAlgorithm","hashDigest":"CIP100:hashDigest"},"@id":"CIP100:referenceHash"},"uri":"CIP100:reference-uri"},"@id":"CIP100:references"}},"@id":"CIP100:body"},"hashAlgorithm":"CIP100:hashAlgorithm"},"hashAlgorithm":"blake2b-256","body":{"comment":"I vote NO on “AURORA”.\n\n1.There is no track record, evidence or target for demand.
Track record: cardano-loans, which this proposal builds on, has no recorded use on mainnet (checked with DBSync: zero beacons for loan requests, loan offers or active loans). On testnet there are only a few, created as examples for its guide.
Evidence: no named lenders or borrowers who have committed to use it, and no letters of intent, are given.
Target: adoption is not part of how delivery is measured, and there is no target for mainnet operation or usage.\n\n2.The technical part can be built small.
Using AI-assisted coding, I implemented this proposal’s requirements, except the third-party reviews and including a testnet demonstration, in about 25 minutes and about 1,300 lines of code (about 2,100 lines including specifications and documentation). It is first-version quality and not ready to use as is. What I want to point out is that the biggest hurdle for this proposal is not technical implementation but adoption: getting people to use it. Having no track record, evidence or target for that is, I believe, the biggest risk.
The output, including the testnet transactions, can be checked here:
https://adatool.net/open-credit-discovery\n\n3.The track record does not match the size.
Fairway has received Catalyst funding three times, but I could not find a track record in lending or market infrastructure. I also could not find any sign that their hiring and identity projects (two completed, and F12 with its final milestone under review) used Cardano mainnet. For F12 (Ethiopia national ID), the team’s own close-out report says Cardano was not used in the pilot. This request is about ten times their largest grant.\n\n---\n\n「AURORA」にNOを投票します。\n\n1.需要の実績・根拠・目標がありません。
実績：提案が土台にしているcardano-loansは、メインネットで使われた記録がありません（DBSyncで確認。借入の申込み・貸出の申込み・成立した貸付のビーコンとも0件）。テストネットでも、手順書の例として作られた数件だけです。
根拠：使うことを約束した貸し手・借り手の名前や、意向表明の記載がありません。
目標：採用は成果の評価対象外で、メインネットでの稼働や利用の目標はありません。\n\n2.技術の部分は、小さく作れます。
第三者レビューを除くこの提案書の要件（テストネットでの実演を含む）を、AIのコーディング支援を使って約25分、コード約1,300行（仕様・文書を含めて約2,100行）で実装しました。初版の品質で、そのまま使えるものではありません。ここで伝えたいのは、この提案の最大のハードルは技術の実装ではなく、採用＝使ってもらうことにある、という点です。そこに実績も根拠も目標もないことが、最大のリスクだと考えます。
成果物（テストネットの取引を含む）は次で確認できます。
https://adatool.net/open-credit-discovery\n\n3. 実績と規模が釣り合っていません。
FairwayはCatalystで3件の資金を得ていますが、貸付や市場の仕組みに関する実績は見つけられませんでした。また、人材・IDの案件（完了した2件と、最後のマイルストーンが審査中のF12）でも、Cardanoのメインネットが使われた形跡は見つけられませんでした。F12（エチオピアの国民ID）では、チーム自身の完了報告が「試験導入ではCardanoを使っていない」と書いています。今回はその最大の助成の約10倍の規模です"}}