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Ⅰ Are there any other good crowdfunding platforms besides Easy Funding?

Jingdong Crowdfunding, Taobao Crowdfunding, Dream Chaser, Angel Investment, Yuanhui, Renren Invest , the people voted for the country. Hope it will be adopted.

II What are the technical applications of blockchain

Original title: Analysis of market status and development trends of China’s blockchain industry in 2019 and widespread application to accelerate the construction of digital China

Blockchain industry It is entering the 3.0 stage as a whole and has made great contributions to accelerating the process of Digital China

my country’s blockchain industry has developed after ten years. Basically, a relatively mature industrial chain has been formed. Under the conditions of national policy promotion and increasing demand in downstream application fields, the market scale of my country's blockchain industry continues to develop, with high geographical concentration and obvious industrial cluster effects. As the maturity of blockchain technology continues to increase, the blockchain industry is entering the 3.0 stage as a whole, with good performance in finance, logistics, copyright protection and other fields, making a huge contribution to promoting my country's digital construction and accelerating the process of Digital China. the power of.

Blockchain industry industry chain analysis: Many downstream application fields have huge development potential

From the perspective of the industry chain, my country’s blockchain industry includes upstream hardware, technology and infrastructure; midstream Blockchain application and technical services;

Downstream blockchain application fields and other links. Upstream hardware, technology and infrastructure mainly provide necessary hardware, technology and infrastructure support for blockchain applications. Among them, hardware equipment includes mining machines, mining pools, chip manufacturers, etc.; general technologies include distributed storage, decentralization transaction, data services, distributed computing and other related technologies.

Downstream application fields include the combination of applying blockchain technology with existing industries, mainly including the financial industry, logistics industry, copyright protection, medical health, industrial energy and many other fields. As an emerging technology, blockchain There are many downstream application fields and huge development potential.

Midstream blockchain applications and services include basic platform construction and the provision of technical service support. The basic platform construction is divided into general basic chains and vertical domain basic chains; technical service support includes technical support and service support. Support is similar to upstream related technologies, and is responsible for providing buyers with a series of technical support based on blockchain products such as blockchain security protection; service support includes a series of services such as digital asset trading venues, digital asset storage, and media communities.

Blockchain industry industry chain analysis

Source: Compiled by Qianzhan Industry Research Institute

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my country’s Internet giants have also deployed in the blockchain industry. The main entry point is the application of blockchain technology in the financial field. Most of Alibaba, Internet, Tencent, JD.com, 360 and other companies use their own financial companies to Apply blockchain technology to launch a new model of blockchain + finance and expand the application scenarios of blockchain technology.

Analysis of development trends of my country’s blockchain industry

1. With the development of my country’s blockchain technologyWith the continuous development of technology and the continuous expansion of blockchain application fields, in the future, my country's blockchain industry will see blockchain become the forefront of global technology development and open up a new track for international competition;

2. District The blockchain field has become a new hot spot for innovation and entrepreneurship, and technological integration will expand new application space;

3. Blockchain will be widely implemented in the real economy in the next three years and become an important support for the construction of Digital China;< /p>

4. Blockchain creates a new platform economy and opens a new era of sharing economy;

5. Blockchain accelerates the process of "credible digitalization" and drives finance to "shift from virtuality to reality" Serving the real economy;

6. The blockchain supervision and standard system will be further improved, and the foundation for industrial development will continue to consolidate the six major development trends.

Ⅲ What are the blockchain mutual aid insurance platforms?

There are many domestic online mutual aid platforms, but there are currently several blockchain mutual aid insurance platforms (online mutual aid platforms): Tongxin Mutual Aid (has matured and applied blockchain), Shuidi Mutual Aid (still in the process of blockchain sorting), and Zhongtuobang (an outsourcing blockchain company). These three should be said to be relatively large online mutual aid platforms, and there are others. do not know much.

IV How to grab crowdfunding on the blockchain

How to connect the PHP website to the blockchain crowdfunding
How to connect the PHP website to the blockchain crowdfunding, based on Blockchain crowdfunding platform, methods and processes

Feng Xuexuan
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This invention belongs to The field of crowdfunding, especially involving a blockchain-based crowdfunding platform and method.
Background technology:

Currently, there are a series of critical illness fundraising systems on the market, such as Shuidichi, EasyCho, and Wuyouchi. Patients can raise funds on these critical illness fundraising systems. . These critical illness fundraising systems claim to not charge any handling fees, but many people cannot believe this. After all, any company wants to make a profit. No one dares to publish remittance records. There is the possibility of secret operations, which has a lot of credibility. lacking.

Technical implementation elements:

The purpose of this invention is to overcome the shortcomings of the existing technology and provide a crowdfunding platform and method based on blockchain, using blockchain Each fundraising transaction record is recorded, and anyone can query the transaction records to resolve donors' concerns.

The purpose of this invention is achieved through the following technical solutions: a blockchain-based crowdfunding platform, including:

Patient module, used by patients in crowdfunding Publish crowdfunding information on the platform;

The review module is used to review the crowdfunding information released by the patient;

The promotion module is used to review the crowdfunding information that has passed the review Publish and promote crowdfunding information;

Donation module is used for donors to use digital currency to donate to patients.crowdfunding account to make donations;

Blockchain module, used to record data information in the crowdfunding process;

Processing module, used in the blockchain module Establish a crowdfunding account for the patient whose crowdfunding information has been reviewed, and after the fundraising deadline, convert the funds in the crowdfunding account into cash flow based on the current currency exchange rate and remit it to the patient's bank account; and for Record the patient's crowdfunding information, the donor's donation information and the remittance information to the patient's bank account in the blockchain module;

The query module is used to query the crowdfunding Information, donation information and remittance information.

Preferably, the blockchain-based crowdfunding platform also includes:

A reporting module for whistleblowers to report crowdfunding information released by patients;

The verification module is used to verify the reporting information of the whistleblower.

Preferably, the patient module includes:

Registration sub-module, used by patients to register platform accounts;

Login sub-module, used Log in to the platform account on the patient side;

The information release sub-module is used by the patient side to publish crowdfunding information after logging in to the platform account.

Blockchain-based crowdfunding methods include:

Patients publish crowdfunding information on crowdfunding platforms;

Crowdfunding platforms Review the crowdfunding information released by the patient. If the review passes, a crowdfunding account will be established for the patient on the blockchain module, and the patient's crowdfunding information will be recorded in the blockchain module. on;

Publish and promote the approved crowdfunding information;

Donors use digital currency to donate to the patient’s crowdfunding account, the crowdfunding platform Record the donor's donation information on the blockchain module;

After the patient's fundraising ends, the crowdfunding platform will transfer the funds in the patient's crowdfunding account based on the current currency exchange rate. The funds are converted into cash flow and said cash flow is transferred to the patient's bank account.

Preferably, the blockchain-based crowdfunding method also includes:

Inquiries check the patient’s crowdfunding information and donor donations through the crowdfunding platform Information and remittance information from the crowdfunding platform to the patient's bank account.

Preferably, the blockchain-based crowdfunding method also includes:

The reporter reports the crowdfunding information released by the patient;
< br />The crowdfunding platform will verify the crowdfunding information released by the patient based on the reporting information of the reporter. If the report is true, the crowdfunding information will be revoked and the donation in the patient's crowdfunding account will be returned to the corresponding amount. donateThe payer.

Preferably, the method of promoting the approved crowdfunding information includes one or more of app promotion, mini program promotion and circle of friends promotion.

The preferred blockchain-based crowdfunding method also includes: if the donor does not have digital currency, open an account for the donor on the crowdfunding platform, and then convert the funds according to the current exchange rate for the corresponding digital currency.

The beneficial effects of the present invention are:

(1) In the present invention, all fundraising data are recorded in the blockchain. Due to the non-tampering characteristics of the blockchain data, , making fundraising data open and transparent, users can easily view each transaction record of crowdfunding, making all donation details open and transparent, which helps eliminate the concerns of donors and patients about black-box operations;

(2) In the solution of the present invention, donations of digital currencies are accepted, thereby allowing digital currencies to participate in public welfare services.

Explanation of drawings

Figure 1 is a schematic diagram of the blockchain-based crowdfunding platform;

Figure 2 is a blockchain-based crowdfunding platform Process diagram of the crowdfunding method.

Detailed embodiments

The technical solution of the present invention will be clearly and completely described below in conjunction with the embodiments. Obviously, the described embodiments are only part of the implementation of the present invention. examples, not all examples. Based on the embodiments of the present invention, all other embodiments obtained by those skilled in the art without any creative work fall within the scope of protection of the present invention.

Refer to Figure 1-2, the present invention provides a blockchain-based crowdfunding platform and method:

As shown in Figure 1, the blockchain-based crowdfunding platform and method The fundraising platform includes patient module, review module, promotion module, donation module, processing module, query module, blockchain module, reporting module and verification module, etc.

The patient module includes a registration sub-module, a login sub-module and an information release sub-module. The registration sub-module is used by the patient to register a platform account. When registering, the patient sets the corresponding account name and login password. One account name can only be used once in the entire fundraising platform, that is, there cannot be two identical account names. The login sub-module is used by the patient to log in to the platform account. The patient logs in to the corresponding platform account according to the account name and login password. The crowdfunding platform verifies whether the account name and login password match. If they match, the patient logs in to the corresponding platform account successfully. Otherwise, it prompts to log in. fail. The information release sub-module is used by patients to publish crowdfunding information after logging into the platform account. The crowdfunding information includes the patient's real personal information, fundraising reasons and supporting materials, fundraising amount, fundraising time, etc.

The review module is used to review the crowdfunding information released by the patient. If the crowdfunding information contains incomplete information, incorrect information or informationIf there are issues such as fraud, the crowdfunding information will be rejected directly.

The promotion module is used to publish and promote the approved crowdfunding information. The methods for promoting the approved crowdfunding information include app promotion, mini program promotion and circle of friends promotion. one or more.

The donation module is used by donors to make donations to the patient’s crowdfunding account.

The processing module includes a crowdfunding account creation sub-module, a fund processing sub-module and an information recording sub-module. The crowdfunding account creation sub-module is used to establish a crowdfunding account in the blockchain module for patients whose crowdfunding information has passed review. The fund processing sub-module is used to convert the funds in the crowdfunding account into cash flow based on the current currency exchange rate after the fundraising deadline, and then remit the cash flow to the patient's bank account. The information recording sub-module is used to record the patient's crowdfunding information, donor's donation information and remittance information to the patient's bank account in the blockchain module.

The query module is used by the queryer to view the crowdfunding information, donation information and remittance information.

The blockchain module is used to record crowdfunding information, donation information and remittance information, and to establish crowdfunding accounts. The process of recording information by the blockchain module is: creating a transaction (tx); broadcasting the transaction (tx) through the p2p network; verifying the transaction (tx); broadcasting the verification result of the transaction (tx) through the p2p network; The transaction (tx) is written to the ledger.

The reporting module is used by whistleblowers to report crowdfunding information released by patients.

The verification module is used to verify the reporting information of the reporter. If the report is true, the crowdfunding information will be revoked and the donation in the patient's crowdfunding account will be refunded to the corresponding amount. Donors.

The blockchain-based crowdfunding platform also includes an account opening module, which is used to provide digital currency account opening functions. If the donor does not have digital currency, he or she can open an account for the donor on the crowdfunding platform. operation, and then convert the funds into the corresponding digital currency based on the current exchange rate.

As shown in Figure 2, the blockchain-based crowdfunding method includes:

s1. The patient publishes crowdfunding information on the crowdfunding platform.

Before step s1, it also includes: the patient registers a platform account on the crowdfunding platform, and the patient logs in to the platform account.

s2. The crowdfunding platform will review the crowdfunding information released by the patient. If the review is passed, a crowdfunding account will be established for the patient on the blockchain module and all information will be transferred to the patient. The patient’s crowdfunding information is recorded on the blockchain module.

s3. Publish and promote the approved crowdfunding information. The ways to promote the approved crowdfunding information include app promotion, mini program promotion and circle of friends promotion.Kind or variety.

s4. The donor uses digital currency to donate to the patient’s crowdfunding account, and the crowdfunding platform records the donor’s donation information on the blockchain module. Donors transfer funds based on the patient's account address (in the crowdfunding information) provided by the crowdfunding platform. They can add remark information when transferring; they only need to provide the patient's account address when transferring, and any error in the transfer cannot be withdrawn.

s5. After the patient’s fundraising ends, the crowdfunding platform will convert the funds in the patient’s crowdfunding account into cash flow based on the current currency exchange rate, and transfer the cash flow Transfer to the patient's bank account.

In this embodiment, crowdfunding information, donation information, remittance information, etc. are recorded in the blockchain module, and the non-tamperable characteristics of blockchain data are used to prevent relevant information from being tampered with and ensure that Ensure the authenticity of relevant recorded information.

The blockchain-based crowdfunding method also includes:

Inquiries can check the patient’s crowdfunding information, donor’s donation information and crowdfunding information through the crowdfunding platform. The remittance information of the remittance platform to the patient's bank account.

Anyone can easily view crowdfunding information, donation information, remittance information and other records through the query module, so that relevant information can be traced and traced, making the fundraising data open and transparent, which is conducive to Eliminate the concerns of donors and patients about behind-the-scenes operations.

The blockchain-based crowdfunding method also includes: the reporter reports the crowdfunding information released by the patient; the crowdfunding platform uses the reporter’s report information to report the crowdfunding information released by the patient. The information will be verified. If the report is true, the crowdfunding information will be revoked and the donation in the patient's crowdfunding account will be returned to the corresponding donor.

Blockchain-based crowdfunding methods also include: If the donor does not have digital currency, you can open an account for the donor on the crowdfunding platform (that is, form a blockchain wallet for the donor ), and then convert the funds into the corresponding digital currency based on the current exchange rate.

The above are only preferred embodiments of the present invention. It should be understood that the present invention is not limited to the form disclosed herein, and should not be regarded as excluding other embodiments, but can be used in various Other combinations, modifications and environments can be made within the scope of the ideas described herein through the above teachings or technology or knowledge in related fields. Any modifications and changes made by those skilled in the art that do not depart from the spirit and scope of the present invention shall be within the protection scope of the appended claims of the present invention.

How to connect PHP website to blockchain crowdfunding
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Ⅳ Is blockchain + mutual aid insurance a new model of domestic online mutual aid?

To be fair, blockchain + mutual aid insurance is a new model of domestic online mutual aid. Among them, online mutual aid is the origin of insurance. In foreign countries It has been popular for a long time and is considered a new model in China. It is a complementary form to traditional insurance. Currently, the network mutual aid platforms for blockchain applications include Tongxin Huzhu (which is regarded as the first domestic blockchain project with real application) and Shuidi Huzhu (also a platform based on blockchain technology, but I don’t know where it will be used).
Blockchain technology is a new technology, and it is currently most widely used in the financial industry. I heard that IBM wants to apply blockchain technology to banks, which is very popular now. Technology is a hard condition, and other things are mutually reinforcing.

VI The use of blockchain technology can really solve the current situation of online mutual insurance

In the daily business of insurance companies, although transactions are not as frequent as those in the banking and securities industries, The reliance on trusted data continues unabated. Therefore, using blockchain technology from the perspective of data management can effectively help insurance companies improve their risk management capabilities. Specifically speaking, it is mainly divided into risk management of policyholders and risk supervision of insurance companies.
Policyholder Risk Management
In today's insurance operations, disputes between insurance companies and policyholders often occur. Either the policyholder provides false personal information to defraud the insurance, or the exemption clause is not correct when settling a claim. There are differences in the identification. The key to these problems lies in the lack of an authentic and credible data collection and storage method for the personal information of policyholders.
With the advancement of national systematic projects such as the digitization of medical information and personal credit reporting systems, more and more authoritative data sources appear. If these data can be introduced and stored on the blockchain, it will become Along with each person's digital identity, the data on this is authentic and trustworthy, cannot be tampered with, is synchronized in real time, and is valid for life, which will bring great benefits to the risk management of policyholders.
First, it is to connect the data between different companies and refer to each other, so as to timely discover information such as repeated insurance and historical claims, and timely identify high-risk users. Take the fraudulent accidental injury insurance claim of RMB 40 million in March this year as an example. Zhou from Yangzhou purchased insurance from more than ten life insurance companies, but was not discovered until manual underwriting. If every insurance information he applies for is recorded in the blockchain, it can be discovered quickly and measures can be taken in a timely manner.
Second, introducing data from different industries into the blockchain can improve the accuracy and efficiency of underwriting and claims verification. To give an example of critical illness insurance, if all the medical treatment records of the policy holder and even the medical records of immediate family members can be queried on the blockchain, we will have a first-hand understanding of the policy holder’s current physical condition, disease history, and family medical history. information, effectively preventing you from taking out insurance while you are sick.
Risk Supervision of Insurance Companies
During the operation of insurance companies, risks occur from time to time due to various reasons. Regulatory agencies can only take measures to review beforehand or restrict after the fact. However, as the front end of the insurance business becomes increasingly open and the companies participating in the insurance market become more and more diversified, the need for in-process supervision becomes increasingly prominent. In the author’s opinion, blockchain technology is one of the effective technical means for ongoing supervision. As long as the insurance company moves its daily operational processes to the blockchain and develops an accounting node (even a read-only accounting node) to the regulatory agency, the regulatory agency can observe all the business trends of the insurance company in real time. For example, capital flow and investment composition, product underwriting and compensation data, major personnel and management operations, etc. do not need to wait for insurance companies to declare afterwards, so that possible business risks and illegal operations can be discovered in a timely manner.
On this basis, regulatory agencies can also use big data technology to analyze and predict the national insurance market, timely discover and prevent possible systemic risks, or discover potential protection needs and trends, thereby Provide better protection for the people.
At present, the first domestic blockchain startup company Abbots Financial Technology Company launched the first project Tongxin Mutual Assistance, which uses network mutual assistance as the entry point to continuously promote the application and development of blockchain technology in China. Technically, through blockchain and big data technology, we can eliminate the shortcomings of the traditional network mutual aid model and establish an open and transparent new network mutual aid platform.

Ⅶ Someone has created a platform claiming to be IDG Capital Venture Capital, which is responsible for placing large orders for apps. Is it true?

It is a website that defrauds money. When placing large orders, The money cannot be withdrawn. My account was frozen and I was defrauded of 250,000 yuan. There is 350,000 in the big capital account that cannot be withdrawn. Don't believe it, everyone. They post orders every day and those people are just caretakers.

ⅧHow Deloitte and Zhongan Insurance do blockchain

At present, there are several domestic blockchain network mutual aid guarantees, among which Tongxin Mutual Aid Blockchain is in the network mutual aid In the industry, it is the first technology to be applied. It has a complete blockchain customer service. The company is also a blockchain startup Abbots. It is a technology company itself and its founder also has successful entrepreneurial cases. Yang Yongzhi (Dolphin Browser) CEO); the other two are Zhongtuobang and Shuidi Huzhu. Zhongtuobang does not have blockchain technology itself, but hired a blockchain team to help with the blockchain (both in terms of blockchain design and layout, it is similar to plagiarism) Tongxin Huzhu Blockchain); Shuidi Huzhu, founded by former Meituan employee No. 50, established a blockchain research room to recruit blockchain technology talents, and is also a mutual aid platform for blockchain technology.

Ⅸ What are the online mutual aid platforms?

Question 1: What are the reliable online mutual aid platforms? Blockchain + network cooperation’s Tongxin Mutual Aid, Meituan’s Shuidi Mutual Aid, listed companies’ e-mutual aid, Quark Alliance’s Baobaoji, Alibaba’s 17 Mutual Aid, etc.

Question 2:What is an online mutual aid platform? Online mutual aid is actually a domestic variant of foreign mutual aid insurance (or mutual insurance). It inherits some characteristics of the mutual insurance model, such as organizational form and management methods, and also makes some changes based on the characteristics of China’s insurance market and the current regulatory environment. So to answer this question, we have to look at it from two aspects. The first is mutual aid insurance, and the second is online mutual aid.
Mutual insurance is a voluntary organization of a group of people who have common requirements and face the same risks, define risk compensation rules, and pre-pay risk compensation sharing funds, thereby protecting the risk losses of each participant. This is the earliest form of modern insurance. It originated in Europe in the 17th century. Workers who faced huge labor risks but could not receive compensation spontaneously organized themselves to form mutual aid societies, which gradually evolved into the form of mutual insurance companies.
Compared with the joint-stock commercial insurance companies that we come into contact with daily, such as Ping An Insurance, China Life, and Anbang Insurance, mutual insurance has two significant characteristics:
The first is that the policyholders are shareholders, and they have The company has ownership, management and supervision rights, all premiums paid must be used for risk protection, and the income generated from premium funds should also belong to all policyholders.
The second is homogeneous risk protection for the same group of people. Because they have something in common, policyholders identify more with each other, are more loyal to mutual insurance organizations or companies, and are willing to participate in the long term. On the other hand, commercial insurance does not make money or risks are difficult to predict, such as high-risk groups (such as building cleaners, commonly known as Spider-Man), or risks that are not fixed (such as sudden natural disasters). In the mutual insurance model, as long as all members agree and set the rules, it can operate.
Therefore, mutual insurance is not only a reliable protection model, but also a useful supplement to joint-stock commercial insurance (and social security system), covering some special protection needs. This also explains why, after more than 400 years of changes, mutual insurance still accounts for 27% of the global insurance market and covers nearly 1 billion users. The best among them, like Japan's largest life insurance company "Nihon Life Mutual Insurance Co., Ltd.", has long been ranked first among Japanese life insurance companies, and its capital scale is three times that of Japan's largest commercial life insurance company "Mitsui Life Insurance Company". He is also in charge of Japan's pension payment. This shows the importance of mutual insurance in the insurance market of developed countries.
Online mutual aid is a variant of mutual insurance under China's special national conditions and the current special regulatory environment. It is a phased product. Although the China Insurance Regulatory Commission issued the "Trial Measures for the Supervision of Mutual Insurance Organizations" last year, various regulations are basically based on foreign mutual insurance models. But the license has not been issued yet. Some pioneers in China were worried about missing out on opportunities, so after improvements, they began to explore in the name of network mutual aid. In addition to not having a license or registering an insurance company, heOur model has the following characteristics:
First: it is aimed at the public, not the same group of people. This expands the user base and is conducive to quickly accumulating users, but it loses the characteristics of similar groups;
Second: no pre-charge, or small pre-charge, rather than annual payment according to the actuarial model. This lowers the threshold for customer acquisition, but the subsequent payment willingness and retention rate of attracted users will be reduced;
Third: The protection targets are mainly major diseases and accidental injuries, which are relatively standardized and have It is beneficial to mutual aid platforms for risk control. However, the flexible protection features of mutual insurance have not yet been fully utilized.
Tongxinshe is the first domestic application project of blockchain technology and an open mutual aid information service platform. It was co-founded by Yang Yongzhi, founder of Dolphin Browser, and partner Yu Zhou, and is owned by Beijing Abbots Technology Co., Ltd. The company is initiated and operated and is headquartered in Beijing, the capital of China.

Question 3: What are the well-known online mutual aid platforms? First: Do you want B2B?
Second: Which aspect of classification
I hope I can help you

Question 4: Is the online mutual aid platform real or fake? It’s true, online mutual aid is actually a domestic variant of foreign mutual aid insurance (or mutual insurance). It inherits some characteristics of the mutual insurance model, such as organizational form and management methods, and also makes some changes based on the characteristics of China’s insurance market and the current regulatory environment.
Although the China Insurance Regulatory Commission issued the "Trial Measures for the Supervision of Mutual Insurance Organizations" last year, various regulations are basically based on foreign mutual insurance models. But the license has not been issued yet. Some pioneers in China were worried about missing out on opportunities, so after improvements, they began to explore in the name of network mutual aid.
At present, Tongxinshe, an online mutual aid platform based on blockchain technology, has emerged in China. It applies the latest technology to solve the shortcomings of non-public and opaque online mutual aid platforms.

Question 5: What are the names of Internet mutual aid platforms? Which one are you talking about? There are many platforms on the Internet.

Question 6: What are the Internet mutual aid platforms? Are you talking about social security? I think Bike Mutual Aid is good. You can get 300,000 yuan in social security for 9 yuan. Let you have no worries.

Question 7: Which online mutual aid platforms are more reliable? 50 points The current top ten online mutual aid companies include: Shuidi Mutual Aid, 17 Mutual Aid, Tongxin Mutual Aid, Quark Alliance (once named by China Insurance Regulatory Commission), Gecko Mutual Aid, Anti-Cancer Commune, eMutual Aid, Zebra Club, National Bodyguard, Zhongtuobang, etc. .

Question 8: There are many online mutual aid platforms now. Which one is better? Give you some suggestions

Question9: What are the online disease mutual aid platforms? Tongxin Mutual Aid is the first online mutual aid platform in China that uses blockchain technology. With the help of blockchain technology, it realizes decentralized information sharing, innovatively realizes comprehensive and transparent operations, and builds a fair, just, open, safe and efficient platform for the public. An open mutual aid information service platform.

Question 10: What are the advantages of Tongxinhuzhu, an online mutual aid platform? The advantage of Tongxin Mutual Aid Network Mutual Aid Platform is that it is the first online mutual aid platform in China that uses blockchain technology as its core. Let me introduce to you the advantages and disadvantages of online mutual aid platforms and what benefits can be brought by applying blockchain technology.
Advantages and disadvantages of online mutual aid platform:
Advantages of online mutual aid
Online mutual aid relies on the Internet’s efficient information matching capabilities, convenient payment services, and low joining thresholds, so online mutual aid has the ability to The ability to gather a large number of members in a short period of time
・ Low cost
At least 50%~80% cheaper than traditional protection solutions
・ High participation rate
The value provided by online mutual aid is easy Accepted by users
・ Guaranteed flexibility
Products are flexible and diverse, and mutual aid products can be launched for various groups
Disadvantages of online mutual aid
・ Opaque operation
There may be platform fictitiousness Problems such as the extortion of user funds in mutual aid incidents
・ User privacy
Online mutual aid platforms are generally carried by technology companies, which lack supervision and public trust, so they are easily questioned
・ Inefficiency
The compensation process is slow
Application of blockchain:
The emergence of blockchain technology provides solutions to these problems. Network mutual aid applications developed based on the blockchain platform can maximize the guarantee of funds and agreements. , the absolute security of information and improve risk control capabilities.
・Transparent fund flow
All fund flow details are recorded on the blockchain. The data cannot be forged or tampered to ensure the authenticity and validity of the data. All regulatory units, public media, and ordinary users can view and view it at any time. Supervision
・Efficient rule execution
All fund transfers are executed in accordance with public and non-tamperable smart contracts. Once determined, they can be executed accurately and no one can intervene or artificially misappropriate or intervene. Improvement Improves the efficiency of rule execution
· User information security
All personal sensitive information is highly encrypted and stored. Unless authorized by the user, others cannot access or steal it.
・ The service will never be down
The network mutual aid running on the public chain does not depend on whether a certain central server is online, and it can guarantee that the services provided will never be down

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