New York digital currency Summit
"Investment is risky, so be cautious when entering the market." the same is true of digital currency investment
< H2 > I. channels for digital currency investors to understand the project: < UL >instry community (e.g. wechat group, telegraph group, currency group, etc.)
instry media (e.g. golden finance, currency world, Babbitt community, block instry)
offline activities (e.g. blockchain instry summit, blockchain offline salon, blockchain cocktail party Blockchain project roadshow site, etc.)
instry tycoons (get some project information through communication with instry tycoons)
investment institutions (many good projects are aimed at investment institutions, not at outside indivials, so digital currency investors can contact with some investment institutions, Get the latest projects)
and so on
here, the blockchain instry will introce eight aspects to screen and identify blockchain projects:
1, white paper
the first thing to look at is the white paper of the project, which is very important. Usually, the white paper of the project will show the instry demand background, technical background, team information, instry pain points solved, investor relations and the future development plan of the project, etc. When you read the white paper carefully, you will have a clear understanding of the projects you invest in
2, team, consultant and platform boss
we know that investment projects in the investment field, in many cases, will look at people, and investment projects are mostly the founders and teams of investment projects. The blockchain technology talent market is very scarce. Under normal circumstances, there should be senior technical experts in the excellent team. Users must know the relevant information through multiple channels when looking at the project team members. If the project has a star or instry tycoon platform, you should be careful to avoid exaggeration or false publicity of the project
3, whether the project application solves the problem
after having a general understanding of the project, we need to combine with the real background of the instry where the project is located to deeply analyze whether the project has solved some problems of the instry, and whether the application scenario of the project is real and feasible. If the viewpoint of the project is far from the needs and problems of the instry, you should be careful about this project
4. Project code submission Review
users who know a little bit about technology can see the degree of team code submission. If they come out to raise funds without even code, the risk of the project is great
5, the degree of technological innovation of the project
on the level of technological innovation, we need to see whether the project gives full play to the technical advantages of the blockchain, whether there is innovation and whether it is open source. Generally, open source projects will be uploaded to githob. As for the common problems at the bottom of the blockchain, how the project side solves and plans them
6. Pay attention to the fund-raising situation of the project
we can have an in-depth understanding from the following aspects: whether the total amount of fund-raising of the project is reasonable, whether there is excessive additional issuance, whether the token allocation of the project is reasonable, whether there is a record on the official website, whether the team members make fraud, etc
7. Online trading platform
we can also make lateral judgment through the online trading platform of the project. In general, the well-known trading platform has a strong review on the project. If the project is launched on a small trading platform, or even a trading platform that has never heard of, it needs to be treated with caution
8. Refer to the opinions of the third-party project rating agencies
at present, there are not a few third-party project rating agencies in the market. We can refer to the suggestions and opinions of the third-party project rating agencies on the project as a channel for us to understand the project. It is possible that the project rating agencies have different scoring systems for projects, but their final results will not have a big gap, which can be referred by many parties
How to invest in digital currencyafter understanding and determining the project to be invested through various channels and means, we should look at the progress stage and fund-raising situation of the project. Here, the block instry reminds you that when you want to participate in the project investment, please contact the official or officially authorized service provider of the project to avoid being cheated by criminals
MSB license in the United States is a license with a wide range of supervision. It is aimed at engaging in money service business and companies in the United States, including digital currency, virtual currency transactions, ICO issuance, foreign exchange, foreign exchange and so on. Relevant business companies must apply for MSB license to operate in compliance. The license plate is characterized by high reputation, high gold content, independent recognition by investors and exchanges, and low cost compared with other digital currency licenses. Processing: provide a director information (ID card) + provide a company name (need to help you register an American company first)
Estonian MTR virtual currency trading license includes two licenses: virtual currency trading license service and wallet trading service license. Characteristics of the license: the first digital currency license issued by the state is very friendly to the blockchain, the relative policy bill and so on, and the reputation is very high. Although the cost is higher than that of the US MSB license, it is actually very low. Handling: the first way: provide a director's information (ID card) + provide a company name (need to help you register an Estonian company first) + director's no criminal record certificate (need to be notarized) + capital verification account 12000 Euro + local actual office and office staff. The second way: provide a company name, other all inclusive
digital currency traders in Australia need to apply for austrac. If the company providing digital currency transactions does not apply for such a license, it may lead to two years' imprisonment or a fine of aud105000. Australia austrac license features: its business scope can reflect the digital currency words, famous, high gold content, the cost is relatively low. Processing: provide a director's information (ID card) + provide a company name (need to help you register an Australian company first) + director's no criminal record certificate
in fact, the above three licenses are the three most popular digital currency licenses at present, and they all have one thing in common, with high reputation, high gold content and low cost, These three kinds of licenses are not only recognized by customers and investors, but also the three kinds of licenses that the trading platform competes to handle.
this kind of conference is often a pyramid marketing conference or a direct marketing conference, and the participants are basically the same kind of people. The scale of the conference is often relatively grand. At present, it is a kind of illusion to the participants, which makes people think that the organizers are powerful
it is suggested not to attend these so-called international virtual currency summit. The people who attend the summit are basically no real talents, they are just liars. There are only some real talents in the meetings held in the coin circle, such as the Ruitai coin conference designed by teacher Shaqian, and the meetings held by Huo coin.com and OK are attended by the big men in the coin circle. Of course, the momentum of the recent digital currency like the gold card is still good.
according to the news on August 10, Mu Changchun, deputy director general of the payment and Settlement Department of the people's Bank of China, said at the third China finance forum that the central bank's digital currency will soon be launched and will adopt a two-tier operation system, that is, the people's Bank of China will be the upper tier and commercial institutions will be the second tier< As for why the central bank's digital currency chooses the "two-tier operation system", Mu Changchun explained:
1. The central bank's digital currency is bound to face the retail scene and the public, while the performance of bitcoin and Libra can not meet the high concurrency. After a period of research, it is decided to adopt the two-tier system
2. It is a complex system engineering for big countries to issue central bank digital currency
3. The IT infrastructure application and service system of commercial banks and other institutions have been relatively mature, the user base is huge, and the service habit has been formed; There are plenty of talents and it experts; The system has strong processing ability, and has accumulated some experience in the application of financial technology
4. Through the design of two-tier operation, risk can be avoided to concentrate on a single indivial
5. Single layer investment will lead to "financial disintermediation". If the central bank directly releases digital money to the public, it will crowd out the deposits of commercial banks and affect the loan delivery ability of commercial banks; In extreme cases, it will also subvert the existing financial system, leading to the "grand unification" of the central bank
6; It will not affect the existing monetary policy transmission mechanism
7. The central bank will not preset the technology route, any advanced technology may be used in the research and development of the central bank's digital currency; The boundary between electronic payment and central bank digital currency is fuzzy; It can fully mobilize market forces and realize system optimization through competition
it can be seen that the central bank has recognized the legitimacy of bitcoin and Ethernet in disguised form. However, the central bank's digital currency is different from the traditional blockchain digital currency. It is 1:1 anchored RMB. I regard it as RMB digitization. The central bank's digital currency, paper money, coins and bonds exist at the same time, but in different ways. It is a kind of stable currency, and there is no room for speculation
at the beginning of this year, the most influential event of digital currency is Facebook's upcoming launch of digital currency Libra. If successful, it will bring 3 billion Facebook users into digital currency. However, Libra has not included the RMB in its basket of currencies. Coupled with the sweater war and exchange rate war with the United States, this may be the reason why the central bank urgently launched the central bank's digital currency. It is said that Wal Mart will also launch digital currency. With JPMorgan's issuing currency before, it can be predicted that traditional business giants will enter the era of blockchain digital currency one after another
the issuance of digital currency by the central bank may be a great benefit to the users of China's currency circle. Due to some policy reasons, the users' access to the digital currency world is not very smooth, which is the problem of difficult access to money. The most common stable currency, usdt, does not seem to be very stable and over issued seriously. In addition, the attorney general's office in New York investigates TEDA and other reasons, There may be a risk of thunderstorm at any time. According to statistics, about 80% of the users who use usdt are Chinese users, while the United States uses USD directly, and a few will use usdt. If the central bank introces digital currency, it will greatly facilitate digital currency users
finally, the other role of the central bank's digital currency is cross-border trade settlement. If it is combined with Alipay and WeChat payment, it will compete abroad and compete with Libra internationally.
In the official letter of Xiangcheng District of Suzhou, enterprises, institutions and management committees of Xiangcheng District are required to sign a digital currency agreement with the wage paying bank, install digital wallets for all staff (except retirees), and pay 50% of the monthly salary in the form of digital currency
this is the first practical application of the central bank's digital currency since the R & D news, which is a historical moment worth remembering
let's review the development of DCEP:
in 2014, the central bank set up a special research group on legal digital currency
in 2016, it set up a digital currency Research Institute on the basis of the original group
in June 2018, it set up Shenzhen Financial Technology Co., Ltd.
in August 2019, the central government issued a document to carry out digital currency research and mobile payment pilot in Shenzhen
on October 29, 2019, At the "2019 Bund financial summit", Huang Qifan, vice president of China Center for international economic exchange, said: "the digital currency DCEP launched by the Central Bank of China is a new crypto electronic currency system based on blockchain technology." This is the debut of DCEP
On April 3, 2020, in the "national teleconference on money, gold, silver and security work", the central bank said that it would "unswervingly promote the research and development of legal digital currency" On April 10, Zhou Xuedong, director of the general office of the people's Bank of China, pointed out at the "first quarter financial statistics press conference" that "with regard to digital currency, the people's Bank of China is advancing in an orderly manner according to the original plan."on April 14, the central bank's digital currency DCEP took the lead in the internal test of ABC
on April 16, Xiangcheng District of Suzhou realized the implementation of the first application scenario of central bank's digital currency DCEP, using "digital wallet" as the payment channel and issuing it in the form of transportation subsidies
judging from various actions, the central bank's plan for digital currency is well prepared and in an orderly and continuous progress
why DCEP
from the national level, it is well known that the macroeconomic regulation and control means of sovereign countries are mainly through monetary policy and fiscal policy, just like the current global lack of liquidity e to the epidemic, China's economy is stimulated by interest rate rection and government spending, but the funds are transmitted layer by layer, and there are few funds really used for the target range
if we use the central bank's digital currency system, we can analyze and track a large number of transactions, and use the most direct and efficient means to put funds where they need, so as to release liquidity and benefit the people
from the international level,
the use of blockchain technology can realize the review of national credit and increase the credit of the country's monetary system. With the increase of GNP, credit must also increase, and the process of RMB internationalization will be more rapid
this is very simple to understand. Blockchain technology makes it impossible for asset certificates to be forged and makes credit verifiable, which is naturally concive to RMB internationalization
Last year, the World Bank Group and the International Monetary Fund (IMF) issued a report that up to now, nearly 70% of the central banks are studying the digital currency of the central bank, which also shows that the digital wave is the general trend. At present, the central bank's digital currency DCEP is likely to be used on a large scale ahead of other countries in the world, and the era of digital currency is comingthe era of digital economy is getting closer and closer
today's era is a digital era. With the comprehensive rise of technological innovation and digital economy, science and technology has changed from the initial role of a tool to the backbone of financial reform. The continuous collision and integration of digital five complete genes (whole airspace, whole process, whole scene, full analysis, and full value) and financial instry not only changes the settlement and settlement methods and sovereign currency issuance mechanism among indivials, enterprises, and countries, but also greatly improves the operation efficiency of instrial chain, and brings the development of the whole economic society and human progress
if blockchain technology will "genetically transform" all walks of life, then digital currency will "genetically transform" the financial instry. Looking forward to the future, the in-depth integration and transformation of traditional instries by blockchain, artificial intelligence, cloud computing, Internet of things and other technologies will lead us into a new era of digital economy
in short, the era of digital economy is getting closer and closer to us
the implementation of the central bank's digital currency is bound to bring disruptive changes to the existing financial market and breed huge wealth opportunities. The future has come, the wind has come, keep up with the pace of the instry, accurately grasp the future trend, and quickly seize the blue ocean of wealth business
on this day, there are also some big digital currency summit or exhibition in Shanghai. However, there may be some digital currency summits in the direct marketing circle, which are generally confidential and rarely known by outsiders
regular digital currencies generally don't go to the big summit, unless the currency has developed into an instry, such as bitcoin. In general, some competitive currencies hold small press conferences, and the scale is not particularly large, such as Ruitai, Laite, thousand gold cards, etc. they are just a small circle gathering.
however, it is necessary to apply for a license to operate digital currency related business in some foreign countries and regions, such as in New York. Domestic mainstream digital currencies include bitcoin, Ruitai, Laite, doggy and so on.