Xiaoyi blockchain Finance
1. Bubi blockchain company, which is engaged in the underlying technical services and instry solutions of blockchain. That is to say, an underlying blockchain is built, and an adaptation layer is built on it, so that enterprises can quickly establish commercial applications. The underlying blockchain is self-developed. The consensus mechanism is pbft, TPS is 5000 transactions per second, UnionPay is 2000 transactions per second, and bitcoin is 7 transactions per second. Of course, different underlying architectures lead to different performance, because Bubi's commercial blockchain pays more attention to performance. At present, Bubi is mainly used in digital assets, supply chain finance, supply chain traceability, public notary and other fields< 2. Bumeng blockchain. Theoretically, bumeng should be regarded as the proct line of Bubi, but Bubi is mainly engaged in the private chain, while bumeng is an alliance chain. So separately, bumeng is Bubi's layout in digital assets. The underlying technology is Bubi blockchain, but it encapsulates the blockchain according to the scene and provides API interface for enterprises. Enterprises issue their own assets on it. According to the characteristics of blockchain, they can freely circulate their assets. At present, some enterprises such as sunshine insurance, Qianxiang finance, crowdsourcing, Haohuo, etc. have joined in, and the assets in them include insurance policies, integral points, and so on Financial procts and so on. Finally, it is estimated that this platform will break through the barriers between assets, and the end users can freely use and transfer these assets. This is an interesting way for the blockchain instry, because it has both the opening of public chain and the security of private chain
Third, only chain, which is a commodity ID management cloud platform based on blockchain technology, provides enterprise users with commodity asset management, tracing, anti-counterfeiting verification, new supply chain management, etc. in the form of baas. Simple understanding is that only chain has done the content of "supply chain traceability" of Bubi blockchain
four, concentric mutual aid, concentric mutual aid is a mutual aid security platform, put some mutual insurance related information into the blockchain, and users can apply to become nodes, participate in bookkeeping, and maintain their own data
5. Xiaoyi is a decentralized network protocol based on blockchain technology, which digitizes the assets and interests of the real world, and carries out financial business such as registration and issuance, transfer transaction, clearing and delivery through point-to-point network
these five blockchain companies are probably well-known in China, and I personally recommend bumeng
first, bumeng uses the underlying technology of Bubi blockchain, which is very promising in the instry. It has the largest number of landing applications in China. Enterprises can not only use the blockchain technology at low cost (just call the interface, it seems that it is free), but also use the resources inside. Think about being on the same chain with many enterprises and docking resources in the future, User transformation should not be easy
Second, Weilian and Tongxin Huzhu focus on one field, and do not provide underlying technology and instry solutions. That is to say, if you are in this instry or can be used in the upstream and downstream of this instry, you can not be used in other fields. Take mutual security field as an example, zhongtuobang and zebra Club both choose bumeng. Of course, if it is an investment, you can consider it
Third, Xiaoyi, why not recommend Xiaoyi, because Xiaoyi is an open source project, and we all know the domestic business environment, especially when the instry is just beginning to develop, and the domestic market is different from that of foreign countries, Xiaoyi has gone through two rounds of ICO, which will be a great worry in the future operation, and at present, Xiaoyi has not been applied in practice, We have made a Fada platform, which has not been used by any company yet (guess it may be related to the factors of open source, who dares to open their data completely). Of course, the open attitude of Xiaoyi is worth encouraging. Although I guess the advantages and disadvantages of the code are well understood by peers, it is not clear
Fourth, why is there no recommendation for Bubby? Bubby has raised 30 million yuan a while ago, because Bubby is more open and has more resources. Of course, if the business requires high privacy, it can also choose Bubby blockchain
finally, for all my hard work, choose me!
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
1. The national translation qualification examination (CATI)
CATI is the most valuable translation certificate at present, and the evaluation of professional title can play a role. Sponsored by the Ministry of human resources and social security of the people's Republic of China (hereinafter referred to as the Ministry of personnel), it is the determination of the bilingual translation ability and level of the test participants in interpretation or translation
CET-3, graated from non foreign language major, passed CET-6 or college level, and has some practical experience in translation and interpretation
Level 2, graate of non foreign language major or undergraate of foreign language major, with 3-5 years of practical translation experience
With 8-10 years of practical translation experience, he is an expert in bilingual translation of a certain language There are seven languages in the test, including English, Japanese, French, Arabic, Russian, German and Spanish There are four levels, namely: senior translator; First level interpretation and translation; Second level interpretation and translation; Three levels of interpretation, translation. Among them, senior translators are obtained through evaluation, first level interpreters and translators are obtained through the combination of examination and evaluation, and second and third level interpreters and translators are obtained through examination There are two major categories: translation and interpretation, and interpretation is divided into consecutive interpretation and simultaneous interpretation 2. Shanghai Certificate in foreign language interpretation (SIA)jointly organized by the Organization Department, the personnel department and the Ministry of ecation of Shanghai municipal Party committee, the test center is Shanghai, and the corresponding level is divided into English high, English Chinese and Japanese interpretation. Advanced English, CET-6 or equivalent; Intermediate English, CET-4 or equivalent; Japanese interpretation, equivalent to the Japanese Proficiency Test Level II
Assessment Language: English, Japanese
cost: 210 yuan each for written and oral test of advanced English interpretation; The written test and oral test are 180 yuan each
among the translation certificates, CATI (translation professional qualification test) of the Personnel Bureau has the highest gold content, followed by Shanghai's oral and written translation qualification test, which is suitable for white-collar workers
3. National Business English translation qualification certificate (ettbl)
sponsored by China Federation of Commerce, college students and undergraates majoring in Business English (including international economy and trade, foreign trade, finance, international finance, marketing, international marketing, international business, tourism management, e-commerce, business administration, etc.)
The level of Mastering Business English can be divided into five levels: junior, intermediate, senior, translator and senior translator Junior: be able to have general business English conversation in business communication. Be competent for the employees of foreign-related enterprises and the same level of enterprise export personnel, hotel receptionists, store cashiers, etcintermediate: be able to interpret and translate in general business talks and business activities. Be competent for the staff of foreign enterprises, secretaries and office supervisors of the same level
Advanced: be able to interpret and translate in general business meetings and foreign affairs business activities. Able to be competent for the director of foreign-related enterprises and the same level of enterprise manager assistant, enterprise manager, etc
translator: be able to perform complex interpretation and translation in large-scale business meetings, and be competent for full-time business English translation
Senior translator: able to interpret and translate in various international conferences. In the process of interpreting, they can do consecutive interpretation and simultaneous interpretation; In the process of translation, we should translate the documents and professional materials of various foreign affairs and business activities. Be able to do all kinds of complicated translation and interpretation work in international business conference, and solve all difficult problems in Business English National Business English test (cnbect)the national international business English proficiency certification examination, organized by China Society for international trade, Ministry of Commerce of the people's Republic of China, was officially launched in 2006. The first examination was held in April 2007 and was certified by the Ministry of Commerce of the people's Republic of China
this test covers both language and business. In terms of language, test the ability of listening, speaking, reading, writing and translating in international business environment; Business involves common business in international business, highlighting international trade
The examination is divided into three levels. Every year on the second Saturday and Sunday of May, the national examination of International Business English (Level 1) is held. There are five items in the written test (listening, reading, translation and writing) and oral test The United Nations Institute for training and Research (UNITAR) was established in 1965 in accordance with the resolution of the general assembly of the United Nations on December 11, 1963 (XVIII)is the only international language professional training and certification system in the Asia Pacific region certified by the CIFAL center of the United Nations Institute for training and research. Unlpp training and certification examination will be graally implemented in China and abroad according to the major, language and level, which is composed of two parts: training and certification
Xiaoyi and Xiaomi have gone their separate ways. In Xiaomi ecological chain enterprises, Lei Jun despises Xiaoyi most. As for why, you can go to Zhihu to see what kind of company Xiaoyi is
expansion:
1. Antshares is a decentralized network protocol based on blockchain technology, which digitizes the assets and interests of the physical world, and carries out financial business such as registration and issuance, transfer transaction, clearing and delivery through point-to-point network. Xiaoyi is an open source system, following MIT open source protocol
2. Xiaomi company, founded in April 2010, is a mobile Internet company focusing on independent research and development of intelligent procts“ "Born for a fever" is Xiaomi's proct concept. Xiaomi company is the first to develop mobile phone operating system with internet mode, and enthusiasts participate in the development and improvement mode
3. On the evening of December 14, 2014, Midea Group announced that it had signed a strategic cooperation agreement with Xiaomi technology, and Xiaomi invested 1.27 billion yuan in Midea Group. On September 22, 2015, Xiaomi launched its new proct Xiaomi 4C in Beijing. This new proct is upgraded from Xiaomi 4I, equipped with a 5-inch display and a snapdragon 808 processor, known as the little prince of Android. On December 23, 2015, the mobile phone trade in service was officially launched. The trade in coupon allows users to buy any Xiaomi mobile phone or related accessories, with a maximum price of 1240 yuan in good condition. On March 15, 2017, Xiaomi entered into a strategic cooperation with local IT companies in Vietnam and formally entered the Vietnam market. On July 5, 2017, Xiaomi and Nokia reached a patent cooperation to acquire part of Nokia's patent assets