Three application modes of digital currency
Publish: 2021-05-14 06:25:03
1.
1. The concept range is different. bitcoin is a kind of digital currency, and the concept of digital currency covers bitcoin
However, some digital currencies have independent issuers The biggest difference between bitcoin and other virtual currencies is that the total quantity of bitcoin is very limited and it has a strong scarcity. The monetary system used to have no more than 10.5 million in four years, after which the total number will be permanently limited to 21 milliondigital currency is abbreviated as digiccy, which is the abbreviation of "digital currency" in English. It is an alternative currency in the form of electronic currency. Both digital gold coin and cryptocurrency belong to digiccy. Bitcoin is a digital currency
digital currency is different from the virtual currency in the virtual world, because it can be used for real goods and services transactions, not limited to online games. The early digital currency (digital gold currency) is a form of electronic currency named after the weight of gold
today's digital currencies, such as bitcoin, lettercoin and ppcoin, are electronic currencies created, issued and circulated by means of check sum cryptography. It is characterized by the use of P2P peer-to-peer network technology to issue, manage and circulate currency. In theory, it avoids bureaucratic examination and approval, so that everyone has the right to issue currency
illegal digital currency
in recent years, "virtual currency" represented by bitcoin, Ethernet currency and Leyte currency has been traded centrally on some Internet platforms. With the help of financial technology, the price of these "currencies" has graally spread to investment, financing and other financial fields, which has aroused wide attention from all walks of life
not long ago, the people's Bank of China and other seven ministries and commissions jointly issued the announcement on preventing the financing risk of token issuance, which clearly regulated the relevant behaviors. Experts pointed out that "virtual currency" is not legal tender (legal currency) issued by monetary authorities, but a specific virtual commodity in essence
therefore, it is undoubtedly a great legal and economic risk to think that "virtual currency" has or will have the nature of legal tender and to carry out speculation, network fund-raising, lending and financing
2. It has to be said that this instry is very close to money, so people often ask how you make money in the instry and how you can make money. Today, let's share some profit models I know<
first line: mining, mining machine, mine (ore pool)
all three are related to mining, but they are also different
Mining: we don't discuss the technical details here. From the perspective of profit, mining has the lowest threshold. Even if we need professional mining machinery now, we can still buy a mining machine to make money. If we become bigger, we can open a mine. Without talking about the risk, mining is the simplest way to make money. The investment cost is low, the rate of return is high, and the time cost is high
mining machinery: the business of manufacturing mining machinery is very hot, and there is a high threshold, so it is difficult for non professionals to become manufacturers. Ant mining machine in the bull market does not worry about selling. Especially after 1994, as far as I know, foreign domestic ore feeders were towed away by trucks. However, the threshold of manufacturers is already very high, and it is difficult for ordinary people to get in touch with them, so there are two dealers. Mining business contact is not much, the second-hand market seems to be very chaotic
mines (ore pools) of course, mines and ore pools are inseparable. Why? The mine pool exists in order to avoid the risk of the mine. The mine pool will pay the cost of the miners according to the time according to the calculation force. Of course, it also needs to draw a percentage, and the miners will be able to keep their income from drought and flood. But the only thing to do is to bring people to the mine. Offline mines are also managed by their own machines, and can also be managed by others. There is a certain threshold, risk and income coexist
second line: information platform, exchange, wallet, currency speculation
consulting platform: something that must exist in the Internet era, providing information and consulting aggregation. The first thing new people come into contact with is information media. In the 17 years since the outbreak of digital currency, bitcoin's Internet search index has exploded. Many people want to know about digital currency, so such an information platform is sure to survive. Drainage, content, value realization and value extension are generally the ways of making profits
exchange: the best understanding is that all flows and proction currencies are for trading. Only when a transaction has a price can it be valued. Many problems will also be found in the transaction, such as the famous "bitcoin expansion". Only by finding and solving problems can the instry develop better. We all know the mode of making money in the exchange. It's the makers who make money. It's just like casinos and securities dealers. They lose more money and earn less, but the exchange is stable. In addition to the handling charges, it seems that the money charge is also a profit model. The threshold of the exchange is also high. In addition to trading risk and platform risk, it pays more attention to policy dynamics. Big exchanges now have "currency exchange", "fire currency" and so on
wallets: both hot and cold wallets are procts, and coin circles are just needed for this kind of procts. Online wallet is generally free, and then through other ways to make money, such as usually do exchanges, or there are investment activities
currency speculation: simple speculation, uncontrollable risk, too many factors affecting the price. We can envy the good luck of others, but we should not hope that we have such good luck. Therefore, there are generally three modes of currency speculation, which can be more "smart" to avoid risks: 1. Fixed investment 2. Quantitative trading 3. Arbitrage: spot move brick, futures arbitrage. Now, it seems that there is a fourth kind of profit margin in the OTC channel.
first line: mining, mining machine, mine (ore pool)
all three are related to mining, but they are also different
Mining: we don't discuss the technical details here. From the perspective of profit, mining has the lowest threshold. Even if we need professional mining machinery now, we can still buy a mining machine to make money. If we become bigger, we can open a mine. Without talking about the risk, mining is the simplest way to make money. The investment cost is low, the rate of return is high, and the time cost is high
mining machinery: the business of manufacturing mining machinery is very hot, and there is a high threshold, so it is difficult for non professionals to become manufacturers. Ant mining machine in the bull market does not worry about selling. Especially after 1994, as far as I know, foreign domestic ore feeders were towed away by trucks. However, the threshold of manufacturers is already very high, and it is difficult for ordinary people to get in touch with them, so there are two dealers. Mining business contact is not much, the second-hand market seems to be very chaotic
mines (ore pools) of course, mines and ore pools are inseparable. Why? The mine pool exists in order to avoid the risk of the mine. The mine pool will pay the cost of the miners according to the time according to the calculation force. Of course, it also needs to draw a percentage, and the miners will be able to keep their income from drought and flood. But the only thing to do is to bring people to the mine. Offline mines are also managed by their own machines, and can also be managed by others. There is a certain threshold, risk and income coexist
second line: information platform, exchange, wallet, currency speculation
consulting platform: something that must exist in the Internet era, providing information and consulting aggregation. The first thing new people come into contact with is information media. In the 17 years since the outbreak of digital currency, bitcoin's Internet search index has exploded. Many people want to know about digital currency, so such an information platform is sure to survive. Drainage, content, value realization and value extension are generally the ways of making profits
exchange: the best understanding is that all flows and proction currencies are for trading. Only when a transaction has a price can it be valued. Many problems will also be found in the transaction, such as the famous "bitcoin expansion". Only by finding and solving problems can the instry develop better. We all know the mode of making money in the exchange. It's the makers who make money. It's just like casinos and securities dealers. They lose more money and earn less, but the exchange is stable. In addition to the handling charges, it seems that the money charge is also a profit model. The threshold of the exchange is also high. In addition to trading risk and platform risk, it pays more attention to policy dynamics. Big exchanges now have "currency exchange", "fire currency" and so on
wallets: both hot and cold wallets are procts, and coin circles are just needed for this kind of procts. Online wallet is generally free, and then through other ways to make money, such as usually do exchanges, or there are investment activities
currency speculation: simple speculation, uncontrollable risk, too many factors affecting the price. We can envy the good luck of others, but we should not hope that we have such good luck. Therefore, there are generally three modes of currency speculation, which can be more "smart" to avoid risks: 1. Fixed investment 2. Quantitative trading 3. Arbitrage: spot move brick, futures arbitrage. Now, it seems that there is a fourth kind of profit margin in the OTC channel.
3. Currency transaction
currency transaction is mainly aimed at the transaction between digital currency and digital currency, in which one currency is used as the pricing unit to purchase other currencies. The currency transaction rule is also to complete the matching transaction according to the price priority and time priority
C2C transaction
both sides of the transaction release the transaction information of buying or selling currency on the C2C transaction platform according to the demand. The buyer and the Seller shall make payment according to the reservation. When the transaction is completed offline, the platform, as an intermediary, charges a certain percentage of the handling fee from each successful transaction
OTC OTC trading
is a set of offline purchase digital currency platform independent of the exchange. Anyone can publish purchase / sale advertisements on the platform. The purchase / sale users can purchase / sell through offline transfer. After the transfer, the platform will transfer the frozen digital currency to the buyer.
currency transaction is mainly aimed at the transaction between digital currency and digital currency, in which one currency is used as the pricing unit to purchase other currencies. The currency transaction rule is also to complete the matching transaction according to the price priority and time priority
C2C transaction
both sides of the transaction release the transaction information of buying or selling currency on the C2C transaction platform according to the demand. The buyer and the Seller shall make payment according to the reservation. When the transaction is completed offline, the platform, as an intermediary, charges a certain percentage of the handling fee from each successful transaction
OTC OTC trading
is a set of offline purchase digital currency platform independent of the exchange. Anyone can publish purchase / sale advertisements on the platform. The purchase / sale users can purchase / sell through offline transfer. After the transfer, the platform will transfer the frozen digital currency to the buyer.
4. At present, digital currency is more like an investment proct, and its development is inseparable from the trading platform, operating companies and investors. Dcpro is such a platform, the mainstream platform.
5. We should focus on three aspects: popularity, innovation, operation mode and team
popularity: there is no doubt that bitcoin and lightcoin have the highest popularity in the cryptocurrency circle. Even though they have many shortcomings, they still have the largest number of players and the highest amount of money. They have large plates and are not easy to be controlled by the makers. Of course, the relevant infrastructure is relatively perfect
Innovation: dog coin is popular because it caters to the western small reward culture. The reason why Fuyuan coin can become the leader of the new generation of cryptocurrency is that it mainly focuses on the currency business circle, which is an applied cryptocurrency
operation mode: for example, the operation mode of Vicat coin has been exposed as pyramid selling. Although Yuanbao coin has been criticized before, the operation team will not give up, and Yuanbao coin is still the leader of domestic currency.
popularity: there is no doubt that bitcoin and lightcoin have the highest popularity in the cryptocurrency circle. Even though they have many shortcomings, they still have the largest number of players and the highest amount of money. They have large plates and are not easy to be controlled by the makers. Of course, the relevant infrastructure is relatively perfect
Innovation: dog coin is popular because it caters to the western small reward culture. The reason why Fuyuan coin can become the leader of the new generation of cryptocurrency is that it mainly focuses on the currency business circle, which is an applied cryptocurrency
operation mode: for example, the operation mode of Vicat coin has been exposed as pyramid selling. Although Yuanbao coin has been criticized before, the operation team will not give up, and Yuanbao coin is still the leader of domestic currency.
6. The common transaction forms of digital currency are: currency transaction, that is, spot transaction. Futures trading, often referred to as contract trading. Options trading, like futures, is a kind of derivative tool, which is small and broad. At present, the most complete digital currency exchange in China is okex, and there are all three trading methods. You are satisfied with my answer. Take it
7. Time hourglass is a book, not a digital currency
time hourglass digital currency may be a kind of unreliable digital currency. This mode of digital currency should be carefully invested, and most of them are scams
the mainstream digital currencies generally refer to bitcoin, Leyte coin, dogcoin and other digital currencies. Of course, they also include the crowdfunding platform coin to win the application-oriented digital currencies on China platform. These application-oriented digital currencies will correspond to one kind of asset.
time hourglass digital currency may be a kind of unreliable digital currency. This mode of digital currency should be carefully invested, and most of them are scams
the mainstream digital currencies generally refer to bitcoin, Leyte coin, dogcoin and other digital currencies. Of course, they also include the crowdfunding platform coin to win the application-oriented digital currencies on China platform. These application-oriented digital currencies will correspond to one kind of asset.
8. Development mode
crowdfunding
crowdfunding is to raise funds from the public or the public, which refers to the mode of raising project funds from netizens in the form of group purchase in advance. The purpose of crowdfunding is to make use of the characteristics of Internet and SNS communication, so that start-ups, artists or indivials can show their ideas and projects to the public, strive for everyone's attention and support, and then obtain the necessary financial assistance. The operation mode of crowdfunding platform is similar: indivials or teams who need funds will hand over the project planning to crowdfunding platform, and after relevant audit, they can establish their own page on the platform's website to introce the project to the public[ 4]
P2P online loan
P2P [5] (peer-to-peer lending), namely peer-to-peer credit. P2P online lending refers to the matching of loan and loan sides through the third-party Internet platform. The people who need to borrow can find the people who have the ability to lend and are willing to lend based on certain conditions through the website platform, and help the lender to spread the risk by sharing a loan amount with other lenders, It also helps borrowers to choose attractive interest rate terms from fully comparative information
there are two operation modes, the first is pure online mode, which is characterized by the fact that capital lending activities are carried out online, not combined with offline audit. Generally, the measures taken by these enterprises to verify the borrower's qualification include video authentication, checking bank statements, identity authentication, etc. The second mode is the combination of online and offline. After the borrower submits the loan application online, the platform checks the borrower's credit and repayment ability by means of household investigation through the agents in the city<
third party payment
in a narrow sense, third party payment refers to the electronic payment mode in which non bank institutions with certain strength and reputation guarantee, with the help of communication, computer and information security technology, sign contracts with major banks to establish a connection between users and bank payment and settlement system
according to the definition of non-financial institution payment service given by the people's Bank of China in the administrative measures for payment services of non-financial institutions in 2010, in a broad sense, third-party payment refers to the online payment, prepaid card, bank card receipt and other payment services provided by non-financial institutions as payment intermediaries of payees and payers. Third party payment is not only limited to the initial Internet payment, but also becomes a comprehensive payment tool with full online and offline coverage and richer application scenarios<
digital currency
in addition to the booming forms of third-party payment, P2P loan mode, small loan mode, crowdfunding and yu'ebao mode, the internet currency represented by bitcoin also began to show its fangs [6]
the outbreak of internet currency represented by bitcoin and other digital currencies, in a sense, is more disruptive than any other form of Internet finance. On August 19, 2013, the German government officially recognized the legal "currency" status of bitcoin, which can be used for tax payment and other legal purposes. Germany has become the first country in the world to recognize bitcoin. This means that bitcoin has begun to "wash white" graally, from the Geek's plaything to the public's attention. Perhaps, it can give birth to a real Internet financial empire
bitcoin is hot and it's also falling sharply. In any case, this Internet gold rush banquet, which seems to have been very far away from us, has graally come into our sight. It makes people see that the ultimate form of Internet finance is internet currency. All Internet finance is only a challenge to the existing commercial banks and securities companies. The development of internet currency in the future is a challenge to the central bank. Maybe bitcoin will overturn the traditional financial growth and become the first global currency. Maybe it will eventually collapse. Anyway, it is certain that bitcoin will leave an eternal legacy to mankind[ 6]
big data finance
big data finance refers to the collection of massive unstructured data, through real-time analysis, it can provide Internet financial institutions with comprehensive information of customers, master customers' consumption habits and accurately predict customers' behavior by analyzing and mining customers' transaction and consumption information, So that financial institutions and financial services platform in marketing and risk control targeted [7]
financial service platform based on big data mainly refers to the financial services carried out by e-commerce enterprises with massive data. The key to big data is the ability to quickly obtain useful information from a large amount of data, or the ability to quickly realize and utilize big data assets. Therefore, the information processing of big data is often based on cloud computing<
financial institutions
the so-called information-based financial institutions refer to the financial institutions such as banks, securities and insurance, which transform or reconstruct the traditional operation process through the use of information technology to realize the comprehensive electronic operation and management. Financial informatization is one of the development trends of financial instry, and information-based financial institutions are the procts of financial innovation
from the perspective of the whole financial instry, the informatization construction of banks has always been at the leading level in the instry. It not only has an international leading financial information technology platform, and has built a three-dimensional e-banking service system composed of self-service banking, telephone banking, mobile banking and online banking, but also takes the lead in the instry with a large amount of informatization data concentration project, In addition to the innovative financial services based on the Internet, it has also formed a "portal", "online banking, financial procts supermarket, e-commerce" one drag three financial e-commerce innovation service mode<
financial portal
Internet financial portal (itfin) is a platform that uses the Internet to sell financial procts and provide third-party services for the sale of financial procts. Its core is the "search price comparison" mode, which adopts the vertical price comparison of financial procts, puts the procts of various financial institutions on the platform, and users select the appropriate financial procts through comparison
the Internet financial portal has diversified, innovated and developed to form a third-party financial institution providing high-end financial investment services and financial procts, and an insurance portal providing insurance proct consultation, price comparison and purchase services. This model does not have too many policy risks, because its platform is neither responsible for the actual sales of financial procts, nor bear any adverse risks, and the funds do not pass through the intermediate platform at all.
crowdfunding
crowdfunding is to raise funds from the public or the public, which refers to the mode of raising project funds from netizens in the form of group purchase in advance. The purpose of crowdfunding is to make use of the characteristics of Internet and SNS communication, so that start-ups, artists or indivials can show their ideas and projects to the public, strive for everyone's attention and support, and then obtain the necessary financial assistance. The operation mode of crowdfunding platform is similar: indivials or teams who need funds will hand over the project planning to crowdfunding platform, and after relevant audit, they can establish their own page on the platform's website to introce the project to the public[ 4]
P2P online loan
P2P [5] (peer-to-peer lending), namely peer-to-peer credit. P2P online lending refers to the matching of loan and loan sides through the third-party Internet platform. The people who need to borrow can find the people who have the ability to lend and are willing to lend based on certain conditions through the website platform, and help the lender to spread the risk by sharing a loan amount with other lenders, It also helps borrowers to choose attractive interest rate terms from fully comparative information
there are two operation modes, the first is pure online mode, which is characterized by the fact that capital lending activities are carried out online, not combined with offline audit. Generally, the measures taken by these enterprises to verify the borrower's qualification include video authentication, checking bank statements, identity authentication, etc. The second mode is the combination of online and offline. After the borrower submits the loan application online, the platform checks the borrower's credit and repayment ability by means of household investigation through the agents in the city<
third party payment
in a narrow sense, third party payment refers to the electronic payment mode in which non bank institutions with certain strength and reputation guarantee, with the help of communication, computer and information security technology, sign contracts with major banks to establish a connection between users and bank payment and settlement system
according to the definition of non-financial institution payment service given by the people's Bank of China in the administrative measures for payment services of non-financial institutions in 2010, in a broad sense, third-party payment refers to the online payment, prepaid card, bank card receipt and other payment services provided by non-financial institutions as payment intermediaries of payees and payers. Third party payment is not only limited to the initial Internet payment, but also becomes a comprehensive payment tool with full online and offline coverage and richer application scenarios<
digital currency
in addition to the booming forms of third-party payment, P2P loan mode, small loan mode, crowdfunding and yu'ebao mode, the internet currency represented by bitcoin also began to show its fangs [6]
the outbreak of internet currency represented by bitcoin and other digital currencies, in a sense, is more disruptive than any other form of Internet finance. On August 19, 2013, the German government officially recognized the legal "currency" status of bitcoin, which can be used for tax payment and other legal purposes. Germany has become the first country in the world to recognize bitcoin. This means that bitcoin has begun to "wash white" graally, from the Geek's plaything to the public's attention. Perhaps, it can give birth to a real Internet financial empire
bitcoin is hot and it's also falling sharply. In any case, this Internet gold rush banquet, which seems to have been very far away from us, has graally come into our sight. It makes people see that the ultimate form of Internet finance is internet currency. All Internet finance is only a challenge to the existing commercial banks and securities companies. The development of internet currency in the future is a challenge to the central bank. Maybe bitcoin will overturn the traditional financial growth and become the first global currency. Maybe it will eventually collapse. Anyway, it is certain that bitcoin will leave an eternal legacy to mankind[ 6]
big data finance
big data finance refers to the collection of massive unstructured data, through real-time analysis, it can provide Internet financial institutions with comprehensive information of customers, master customers' consumption habits and accurately predict customers' behavior by analyzing and mining customers' transaction and consumption information, So that financial institutions and financial services platform in marketing and risk control targeted [7]
financial service platform based on big data mainly refers to the financial services carried out by e-commerce enterprises with massive data. The key to big data is the ability to quickly obtain useful information from a large amount of data, or the ability to quickly realize and utilize big data assets. Therefore, the information processing of big data is often based on cloud computing<
financial institutions
the so-called information-based financial institutions refer to the financial institutions such as banks, securities and insurance, which transform or reconstruct the traditional operation process through the use of information technology to realize the comprehensive electronic operation and management. Financial informatization is one of the development trends of financial instry, and information-based financial institutions are the procts of financial innovation
from the perspective of the whole financial instry, the informatization construction of banks has always been at the leading level in the instry. It not only has an international leading financial information technology platform, and has built a three-dimensional e-banking service system composed of self-service banking, telephone banking, mobile banking and online banking, but also takes the lead in the instry with a large amount of informatization data concentration project, In addition to the innovative financial services based on the Internet, it has also formed a "portal", "online banking, financial procts supermarket, e-commerce" one drag three financial e-commerce innovation service mode<
financial portal
Internet financial portal (itfin) is a platform that uses the Internet to sell financial procts and provide third-party services for the sale of financial procts. Its core is the "search price comparison" mode, which adopts the vertical price comparison of financial procts, puts the procts of various financial institutions on the platform, and users select the appropriate financial procts through comparison
the Internet financial portal has diversified, innovated and developed to form a third-party financial institution providing high-end financial investment services and financial procts, and an insurance portal providing insurance proct consultation, price comparison and purchase services. This model does not have too many policy risks, because its platform is neither responsible for the actual sales of financial procts, nor bear any adverse risks, and the funds do not pass through the intermediate platform at all.
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