How can blockchain pay
imapp2.0 version of blockchain application center has been officially launched. Imapp is the world's first blockchain app store with universal dividends, which aims to create a super entrance to the blockchain instry and make it easier for users to use blockchain applications. The interface of imapp 2.0 is more concise and beautiful, the function adds news and DAPP, and the content enriches the guessing game. Through imapp, users can browse, forward, download, update and open the application to obtain imapp ecological token IA. The official imapp has reached a strategic cooperation with the bitcoin diamond foundation. Ecocard ia can exchange bitcoin diamond BCD at a certain proportion.
food safety problem has always been the biggest pain. Due to the large variety and quantity of food materials required by the catering instry every day, it will take a lot of time and capital costs to use the traditional method for food traceability, which greatly increases the cost of people to eat safe food
with the development of blockchain technology, the regional centralized system of blockchain technology can create a database for each kind of food material, which will record the storage conditions, delivery time, origin and other information of each food material, which can speed up the acquisition and flow of information, greatly rece the cost of food traceability, and enable people to eat better food with less money.
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Share from DTV: how does the blockchain of DTV make profits in the end:
1. Build a blockchain ecosystem
Why do start-ups join in blockchain public chain projects one after another? Because it's a great opportunity. Any enterprise has the opportunity to create an ecosystem that subverts the existing pattern with its own ideas and operations. In this system, the currency designated by the ecosystem owner will circulate
because start-ups hold a certain amount of money and reserve some money for enterprises to dig, and the total amount of money is fixed, the faster the flow speed of the ecosystem is, the greater the demand for money is. More transactions chase less money, and the currency is bound to appreciate, but this idea is based on the fact that the currency is irreplaceable
now many research groups are developing cross chain technology to connect blockchains in different fields, so as to achieve the free circulation of money flow and data flow, and finally go to the exchange
in this case, the impact of a chain of money shortage on the ecosystem may not be as simple as the classical monetary theory, and the money price is likely not to follow the simple relationship between supply and demand. Designers need to think about this from a macroeconomic perspective
this is also the most attractive part of blockchain project: everyone is likely to establish new rules in this new field and become the manager of Qu centralized system. By then, the owners of the blockchain will have the ability to control the economy of the whole field - selling or inhaling digital currency will have a huge impact on the instry
2. Providing services for enterprises
providing services for enterprises is the main profit model of blockchain projects at the present stage, and cloud storage security skeptics are likely to turn to traceable and tamper proof blockchain service providers to seek maximum data security
for example, a blockchain start-up operating a data sharing platform, its main business includes providing data storage and data transaction services for customers, thus charging service fees and handling charges
there are many domestic start-up companies operating such businesses, such as cloud nest, border intelligence, magic chain technology, etc. Each company has excellent technology, but to make a profit, it may have to work hard on the operation
today, Tencent cloud's tbaas has joined this field and can provide services covering finance, supply chain, Internet of things, medical and other fields. It is believed that the competition and expansion of customers will become more difficult in the future
3. Smart contract participates in profit making
smart contract is like a contract that can be executed automatically. The validity of the contract is judged and enforced by machines instead of people. Its essence is still a piece of code, but the traceability and non tampering characteristics of blockchain can ensure that this piece of code runs automatically under the non trust mechanism. Blockchain is the precondition of smart contract operation
in practice, there are many opportunities for profit making through smart contracts, and smart contracts can solve these problems in a non black box way
in the running process of the program, the smart contract performs audit, classification information and other operations, which eliminates the interference of middlemen, and the record will not be artificially damaged, and the font on the file will not be blurred for a long time
but to some extent, the operators of smart contracts themselves become middlemen, and they automatically collect and pay audit fees through smart contracts. This kind of special intermediary service saves a lot of costs for customers, and its essence is realized by improving efficiency
4. Operation of special service driven system
many enterprises have their own exclusive fields in building blockchain community. Take the neurogenomics project led by geneticist church as an example. After enjoying the gene sequencing service provided by neurola, consumers can not pay in the form of legal money, but have to exchange legal money into the token issued by neurola
as more people exchange legal money for this token, nebula will successfully build a blockchain platform with gene data as the core, and after that, it will better carry out precision medical services
generally speaking, this mode relies on the actual technology, makes profits from offline services at the beginning of the project, and converts the legal money in the income into token in the process of making profits. With the progress of the project, the platform can carry out more precision medical services with the help of the data obtained from the start mode, and its profit methods have become diversified, but the whole process will not be separated from the entity
in the whole process of enterprise operation, token is mainly used as incentive, and token appreciation is not a problem that geneticists should consider
The original purpose of project 1CO is to crowdfunding in the market through pre-sale service. In 2013, the early 1CO company appeared in the financial field, and then quickly detonated the entire digital money market, resulting in the rise of speculationhowever, this storm came and went quickly. From 2013 to 2014 alone, many projects died in the speculation or were directly judged as fraud
according to Engadget data, 45.6% of the 902 crowdfunding based digital currencies have failed in 2017
Even so, there are still many survivors. These enterprises (including those that build the ecosystem) attach great importance to the role of token, and the appreciation of token will be calculated as part of the profits In essence, it is similar to an enterprise operating both financial assets (token) and operating assets (service) to manage operating assets to make financial assets profitable. However, if the proportion of "financial assets" is too large, the risk will come uninvited The foundation of sharing economy is to monitor the available resources and corresponding demands in real time and make adjustments to maximize the utilization of resources. For unicorns like airbnb, they have a mature management mode and stable cash flow. They try blockchain because blockchain technology can bring more transparent, more efficient and fairer systemsthis kind of enterprises use blockchain in the way of private chain or alliance chain. They don't need token to participate in circulation, and the nodes don't exist anonymously. They are interested in blockchain technology itself
with the blessing of blockchain technology, the manual input of ID information issued by the government will be transformed into the safe storage and verification of ID issued by the government. Customers and landlords can completely rely on the evaluation content. At the same time, the comments can be traced back to avoid the possibility of negative comments being deleted and the participation of the Navy
the profit model of airbnb and Tencent
as a disruptive technology, blockchain will reconstruct the key infrastructure of Internet Finance and even the whole financial instry, and its value in the financial field is waiting for people to discover. Specific applications are as follows:
first, the application of banking instry
wallet and payment are the first fields of blockchain technology, but this is also the traditional business scope of banking instry. What changes can blockchain technology bring
cross border payment application case:
circle, founded in October 2013, aims to make bitcoin "simple and easy to operate, similar to Gmail (Google Mail), Skype (Microsoft's Internet phone) and other customer service tools", and quickly obtain a large amount of financing. In mid-2014, it obtained an investment of US $27 million, becoming one of the most well funded companies in the field of digital cryptocurrency
in 2015, Goldman Sachs and IDG Capital Partners led the investment and raised $50 million for circle. In June 2016, circle won US $60 million of investment led by Chinese investors, and announced that it has established an independent company circle China in China and set up a local team to reach strategic cooperation with network and Everbright
circle can provide instant and free fund transfer worldwide by using bitcoin blockchain transaction. Circle hopes to use bitcoin as a free internet payment network, so that the legal tender of each country can flow smoothly around the world without hindrance. By working with overseas companies such as IDG, circle can provide financial services to users of national legal tender
although the regulatory structure of payment systems in various countries is complex, the cooperation between these countries has made progress. In April 2016, circle obtained the first e-money license issued by the financial conct authority (FCA), which aroused widespread concern in the instry. Later, circle announced that it had established a partnership with the Bank of Barclays to enter the UK market. Since then, British consumers can enjoy services such as fast transfer payment and buying and selling bitcoin, just like American consumers
in order to make it easier for users to use, circle cooperates with apple. In IOS 10 system, Apple's IMessage supports users to use circle's bitcoin payment system. Jeremy Allaire, chief executive officer of circle, said:
"if IMessage allows access to payment service, consumers will benefit from it. It is difficult to install an app alone for payment, and the transfer payment behavior between friends has to go through a complicated setting process, but it is much simpler to directly access to IMessage service."
on September 13, 2016, circle announced that users can pay anyone in the world through IMessage
advantages of blockchain in cross-border payment: low cost, real-time transaction and high security
intelligent bill application case:
the bill of complex us blockchain bill project and blockchain technology can be well combined. After adopting the decentralized distributed ledger of blockchain, the existing system storage and transmission structure has been changed, a more secure operation mode has been established, and the problem of forged bills has been solved
the time stamp reflects the whole process of bill from its birth to its demise, which has the characteristics of traceable history, so that this mode has a new continuous endorsement mechanism, and truly reflects the transfer process of bill rights
the domestic Hangzhou complex us blockchain Research Center has also initially developed an open source project of blockchain lending bill exchange based on Ethereum, which integrates the concept of using blockchain technology in many subdivided fields such as finance, catering, enterprise management, express tracking, etc. The open source project of complex us blockchain online lending bill exchange is shown in the figure. The online lending exchange applying blockchain technology can complete 150000 transactions per second without handling charge
the bill business based on blockchain has four advantages:
from the perspective of moral hazard, the phenomenon of "selling more than one ticket" in paper tickets and the phenomenon of asynchronous payment and endorsement in e-bills occur from time to time. However, e to the characteristics of time stamp that can not be tampered with and the whole network is open, there will be no default once the paper tickets or e-tickets are traded
from the perspective of operational risk, as the e-bill system is centralized, once the central server fails, it will have disastrous consequences for the whole market. At the same time, the access of enterprise online banking will transfer the risk to the bank's own network security, and the whole risk chain will be longer and longer. With the help of the distributed high error tolerance and asymmetric encryption algorithm in the blockchain, the risk of human operation will be almost zero
from the perspective of credit risk, with the help of blockchain data, we can collect and evaluate the credit of all participants, and control them in real time
from the perspective of market risk, a large number of asset mismatches in the intermediary market not only lead to their own losses, but also bind the interests of banks. With the programmability of blockchain, it can not only effectively control the balance between the asset side and the liability side of participants, but also promote the authenticity of the reaction of the transaction price of the whole market to the capital demand with the help of the characteristics of data transparency, And then form a more real price index, which is concive to control market risk
bank settlement - Application Case: visa
bank settlement refers to the collection and payment behavior realized through the fund transfer of bank account, that is, the bank accepts the client's entrustment to collect and pay on behalf of the client, transfers the money from the deposit account of the payer to the deposit account of the payee, so as to complete the settlement of creditor's rights and liabilities or the allocation of funds between the clients. In this process, the bank is not only the medium of commodity exchange, but also the intermediary of clearing funds in social and economic activities
unlike domestic banks, which mainly rely on the difference between deposit and loan, half of the profits of multinational banks come from the intermediate settlement business. For them, if they open up new business areas and reasonably rece the settlement cost, it is directly related to their fundamental interests
visa is the largest credit card company in the world. There is no doubt that the rise of digital cryptocurrency will inevitably impact its credit card payment business. However, visa does not always conflict with e-money and blockchain, but takes an open attitude
in October 2015, visa and DocuSign jointly launched a "proof of concept" project, which uses bitcoin blockchain to record and keep car rental data. The project combines DocuSign's digital transaction management (DTM) platform and electronic signature solution with visa's secure payment technology. Consumers can configure rental, insurance and other daily purchase items in the car, such as parking fees and tolls, and users can pay directly with visa card
peripheral applications do not satisfy visa. In the same year, visa cooperated with coinbase to launch the first bitcoin debit card that can be used in the United States. On November 30, at the unbound conference held in London, visa European innovation laboratory showed another "proof of concept" remittance application, through which people can remit money on the bitcoin blockchain
in September 2016, visa launched interbit, an interbank settlement and payment system based on blockchain technology, in cooperation with BTL group, a digital payment start-up company, to assess whether blockchain technology can rece the cost, settlement time and credit risk of interbank international transfer
a series of major actions in the past two years show that visa has begun to realize the value of blockchain technology and is making efforts to make blockchain technology a powerful tool to expand its sphere of influence
advantages of blockchain in bank settlement: security, convenience and intelligence
in addition to using blockchain technology to transform the existing businesses, banks around the world have launched their own cryptocurrency plans to rece their operating costs
the advantage of blockchain in bank digital cryptocurrency: cost rection< Second, securities investment market application
Securities Trading - Application Case: LINQ
securities trading market is an important application field of blockchain. The application of blockchain technology can not only speed up the speed of clearing and settlement, but also rece the number of books that financial institutions need to maintain to ensure more accurate audit tracking
NASDAQ is the first person to eat crabs in the stock market. In the second half of 2015, it launched the trading platform LINQ, which is based on bitcoin trading technology and is used for trading companies in the primary market. As shown in the figure below, LINQ has the ability to record the equity transactions of enterprises before IPO, track the equity transactions of enterprises, information of shareholders and investors, etc., which is of great value to the asset analysis of private equity market
Fredrik Voss, head of NASDAQ blockchain strategy, is convinced that the high efficiency provided by blockchain technology will greatly enhance LINQ's advantages as a private equity trading platform. So far, no technology can really keep people away from paper work, and blockchain technology will make it a big step forward. Compared with manual processing, it will greatly rece the possibility of errors
advantages of blockchain in Securities Trading: speed up settlement, simplify accounts, and facilitate follow-up audit
equity crowdfunding - Application Case: ant
all along, capital is a gap in front of creative ideas and entrepreneurship, and it is this gap that spawned the world's first crowdfunding platform KickStarter. The operation mode of KickStarter is a typical business model of the platform. On the one hand, the users of the platform are those who are eager to create and create, on the other hand, those who have part of the funds and are willing to provide financial support for new ideas. The common wish of both sides is that the new ideas can be realized and can be promoted continuously
the crowdfunding platform based on blockchain technology can raise funds by creating its own digital cryptocurrency or digital assets, and distribute its own "digital equity" to early supporters, which is the certificate for investors to obtain shares in support of start-ups
blockchain crowdfunding platform usually consists of three layers:
the bottom layer is blockchain network, which constructs a decentralized distributed platform
the middle layer is the combination of business logic and blockchain to jointly establish account center, equity registration, equity voucher, equity trading, equity management and other functions
the top tier provides services for customers of various crowdfunding platforms
in China, Xiaoyi is the first company to use blockchain technology to register its equity. Although this is an innovation, it is not easy to achieve the legal compliance and docking with the real world in the underlying logic and various details. After in-depth study and analysis of the current legal environment in China, termite has the potential to become a practical blockchain application
termite is a blockchain protocol based on blockchain technology, which registers, issues, manages and trades various equity shares through point-to-point network. At the beginning, it will be
first of all, the essence of blockchain is a decentralized "public ledger". Here, it should be noted that this public ledger is a logical concept. Each node independently maintains its own ledger data, and the so-called public ledger is the part of each ledger that needs to be consistent, and the part that needs to be consistent is "public ledger"
from the perspective of the development of blockchain, the domestic blockchain architecture is mainly based on blockchain 1.0, and blockchain 1.0 is mainly based on the realization of digital currency. Generally, the main process is to send you a white paper to tell you the prospect of the project, and then it is to issue money, circle money, and the dealer will buy a large amount of money first, and then sell it after the price of digital currency rises, At this time, it is the retail investors who are sad
the best attitude to a project you don't know is not to follow blindly and follow the trend.