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From YouTube: Leaving the Casino Laboratory Behind: A Framework to Support ReFi - Ashley Taylor Buck
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A
Oh,
I
should
mention
so
talk's
not
about
resource,
but
just
for
some
context.
Resource
is
a
decentralized
protocol
for
people
to
issue
credit
to
each
other
without
needing
upfront,
capital,
we're
open
source
and
did
a
pilot
in
the
us
last
year
and
are
now
starting
to
do
some
projects
in
emerging
markets
all
right.
So
in
terms
of
how
do
we
start
here?
A
So
if
we're
going
to
talk
about
a
framework,
if
we're
going
to
talk
about
developing
new
principles
first,
we
have
to
start
to
get
honest
with
ourselves
of
how
we're
doing
so.
This
is
just
a
general
question.
How
would
you
say
crypto's
doing
in
terms
of
living
up
to
its
potential
in
a
general
grade
scale.
A
The
potential
yeah-
and
I
think
so
then,
okay,
let's
talk
about
what
problems
we
say,
we're
solving
and
then
I
think
it
gets
to
that
point.
What
you
described
is
actually
what
I
also
believe.
I
think
that
the
first
wave
of
crypto
was
really
about
proving
in
the
language
of
the
world.
That
is
money,
which
is
how
people
speak
today,
that
these
systems
work,
that
they
can
replace
systems.
A
I
would
argue
it's
because
we
don't
have
the
right
frameworks
and
principles
in
place
that
we
are
continuing
to
do
projects
that
are
limiting
what
we
actually,
you
know,
think
is
possible.
So
the
point
of
this
talk
is
to
help
start,
uncovering,
maybe
why
that
is
and
then
help
support
us
and
going
more
in
that
direction.
A
So,
in
terms
of
these
goals,
just
to
talk
about
it
like
a
little
bit
centralization
leading
to
inequality,
you
know
corruption,
illegitimate
data,
broken
systems
with
bad
incentives,
access
to
financial
services,
inclusion
and
financial
services.
You
know
all
these
different
aspects
that
we
like
to
talk
about.
A
I'll
just
say
this
again:
we
did
this
workshop
earlier
this
week
and
when
we
we
started
with
like
the
abstract
question,
people
are
like,
oh
about
c
c
minus
for
crypto
when
we
reframe
it
in
terms
of
the
actual
values
of
the
space.
People
were
more
on
the
f
minus
scale
that
our
friend
shared
with
us
all
right.
So
three
things
that
we
can
do
to
improve.
One
of
this
is
a
rebrand,
so
I
think
refi
is
showing
how
we
can
go
in
this
direction.
A
So
I
think,
actually
celebrating
and
going
in
this
different
rebrand
direction,
for
whatever
project
you're
working
on
is
something
to
evaluate
and
consider,
especially
if
you're
going
to
start
to
kind
of
like
shift
the
principles
and
what
you're
working
with
and
applying,
similarly
a
framework.
So
that's
what
I'm
going
to
go
through
today
and
this
framework
is
something
that
I'm
crowdsourcing
and
working
on
in
different
workshops.
A
So
it's
a
constantly
evolving
process
and
then
finally,
a
change
in
our
perspective
and
how
we're
approaching
our
work,
which
we'll
talk
a
little
bit
about
so
the
refi
rebrand.
Why
is
this
important?
So
I
think
what
refi
does
is
it
really
simplifies
what
we
say
that
we're
doing
here.
It
simplifies
it
to
say
that
we
have
extractive
economics
they're.
A
So
I
think
this
is
why
the
refi
narrative
is
really
cool,
so
in
terms
of
then
breaking
apart
rather
than
just
say:
okay,
we
need
to
decentralize
things,
maybe
some
other
ways
to
talk
about
that
or
here's
some
examples,
developing
alternative
economics
so
breaking
from
the
extractive
cycle.
If
we
can
start
to
talk
about
it
in
that
language,
I
think
that's
also
how
we
can
help
bring
in
more
people
into
the
space
who
don't
really
understand
what
we
mean
when
we
say
decentralization.
A
Similarly,
I
think
this
is
the
big
one,
for
the
space
is
moving
away
from
this
idea
of
building
old
systems
with
new
tools
and
actually
saying
we're
here
to
build
really
new
systems
when
we
say
that
we're
here
to
build
new
systems,
what
that
really
means
is
that
we
have
no
idea
what
that
looks
like
right,
like
we
have
to
do
a
lot
of
pilots,
experimentation
and
really
uncover
what
new
systems
look
like
building
financial
equity.
So
there's
a
lot
of
talk
in
the
space
around
financial
inclusion.
A
I
think
that
moving
away
from
inclusion
towards
equity
helps
us
understand
we're
not
just
including
people
into
the
old
system,
we're
actually
developing
a
more
equitable
system.
So
these
are
just
general
things
that
we
can
start
to
think
about
as
we're
going
through
this
process
of
saying.
How
do
we
kind
of
distance
ourselves
from
what's
happened
in
the
past
and
start
to
go
in
a
direction
that
we
think
we're
going
to
actually
build
this
infrastructure
for
the
future?.
A
So
there's
eight
principles
that
we
came
up
with
for
a
refry
framework.
You
can
find
this
on
our
blog
also,
and
I'm
also
going
to
be
asking
your
input
for
ones
to
add,
as
well
so
regenerative
impact.
So
we
talked
about
that
or
is
it
leading
to
regenerative
relationships
between
people
and
environments?
A
To
me,
this
is
much
bigger
than
just
talking
about
carbon
credits.
It's
more
considering
the
long-term
implications
of
the
systems
that
we're
building
so
real
human
impact.
So
a
lot
of
crypto
projects
today,
perhaps
outside
of
people
in
this
room
focus
on
investors
and
speculators,
people
within
the
space
as
their
end
users.
There
hasn't
been
a
lot
of
projects
that
have
really
figured
out
how
to
reach
audiences
outside
of
that
space.
So
real
human
impact
is
getting
to
that
point.
A
A
Are
people
who
aren't
already
empowered
in
the
system
able
to
access
economic
benefit
and
then
access
so
can
non-crypto
people
non-technical
people,
non-finance
people
access
this
without
having
to
read
a
white
paper
and
understand
a
lot
of
complex
systems
and
of
course
these
are
guiding
principles.
It's
not
always
going
to
be
there
right
away
so
disruptive
capacity.
So
I
think
this
gets
to
what
you're
sharing,
I
think,
to
reframe
that
a
little
bit
it's
about
cutting
out
middlemen
right,
like
people
who
are
extracting
value
in
the
center.
That's
a
huge
principle
of
blockchain.
A
A
This
is
one
of
my
favorite
principles,
because
I
think
when
we
talk
about
decentralization
in
the
space,
usually
what
we
mean
is
like
a
technical
aspect
of
decentralization
but
socially
a
lot
of
people
can't
access
these
systems.
They
don't
have
the
capital
to
participate.
They
don't
have
the
time
to
learn
how
to
participate.
A
They
don't
have,
maybe
even
the
computers
or
the
right
technology
so
decentralization.
I
think
is
a
word
that
we
really
need
to
push
a
little
bit
further
synergistic
potential.
So
is
it
an
open
source
project?
Is
it
a
walled
garden?
Is
it
trying
to
create
something
that
can
interact
with
a
lot
of
other
projects
in
the
space
and
then,
finally,
is
it
considering
sustainability
and
long-term
impacts
on
the
planet?
A
So
we
did
this
workshop
earlier
this
week,
and
people
threw
out
a
few
more
principles
that
I
hadn't
included.
Yet
so
I'm
going
to
think
about
how
to
include
these
basically
circular
design
cradle
to
cradle
security.
In
terms
of,
can
people
trust
that
the
system
is
going
to
be
there
and
provide
the
functions
that
it
says
it
does
a
sense
of
ethics
or
common
good,
and
is
it
coming
from
this
like
abundance
perspective
rather
than
a
scarcity
mindset,
so
yeah
curious?
A
B
I
think
there's
an
emphasis
on
our
project
that
has
to
do
with
that
inspiring
or
elevating
about
different
senses.
They
are
doing
something
actually
very
useful.
Maybe
joy
is
close
to
sense
of
ethics
and
common
good,
but
yeah.
This
notion
that
it's
not
just
about
making
money
that
has
an
awareness
about
what
the
project
is
actually
doing.
A
A
So
one
of
the
ideas
for
that
that
I
think
this
work
could
evolve
into
is
creating
these
sort
of
more
like
flexible
funding
and
governance
models
that
allows
people
to
still
participate
and
build
dowels
and
do
projects,
but
not
necessarily
start
to
be
beholden
to
these
old
ideas
of
incentives
that
are
really
the
legacy
system,
just
with
new
tools
and
then
just
to
say
a
few
things
more.
That
came
out
of
this
shift
in
perspective
slowing
down.
A
So
there's
a
lot
of
movement
in
the
space
of,
like
you,
know,
fear
of
being
left
out
and
trying
to
replicate
other
projects
that
are
doing
really.
Well,
I
think
it's,
the
the
most
difficult
thing
is
try
to
say
like
how
do
we
step
out
of
that
kind
of
a
little
bit
toxic
force
and
slow
down
and
find
out
in
our
own
projects?
A
B
B
A
new
type
of
incentive
that
emerged
in
some
nft
projects
recently
and
it's
not
financial
in
in
nature,
but
it's
that,
through
the
project
participating
being
active,
owning
an
nft.
You
can
actually
build
your
own
personal
brand
using
the
project,
so
it
can
maybe
still
kind
of
a
bit
of
a
selfish
purpose.
A
Oh,
okay,
thanks,
okay,
so
just
to
wrap
some
things
up
some
ideas
for
this,
so
again:
flexible
structures
in
our
own
projects,
not
over
committing
to
the
ideas
that
we
have
it
all
figured
out,
and
this
is
the
perfect
structure.
Instead,
how
do
we
be
more
honest
and
transparent
as
we're
building
that
we're
testing
these
new
ideas?
A
We
still
want
people
to
participate
and
perhaps
participate
in
upside,
but
it's
not
going
to
look
the
same,
and
so
I
think
the
more
we
can
support
each
other
in
that
narrative,
the
more
that
we
can
actually
get
to
furtherment
of
these
decentralization
principles,
and
so
that's
that
my
name
is
ashley
resource
is
my
project
and
that's
my
twitter.
So
if
you
wanna
follow
along
with
this
work
or
future
developments,
you
can
follow
along
there.
Thank
you.