区块链评级的机构有哪些,区块链项目评级机构

❶ What is DRC

This article briefly introduces what the DRC platform is, and then describes in detail the professionalism, service model and governance mechanism of its assessment project. Finally, the author summarized some of his own opinions.

When we understand a blockchain project, we usually understand its white paper and do blockchain project analysis. This work can be done by individuals, teams, and institutions. Each team may obtain different results due to its own preferences, industry background, and other factors. In addition, due to the extremely rapid development of blockchain, novice digital currency investors who are flocking to the market lack the means to understand blockchain projects in depth. They are faced with various wealth-making stories created by public opinion, as well as the dazzling and endless blockchain projects. , it is very easy to blindly follow big names and be influenced by the media and the market. The blockchain industry urgently needs a set of transparent, neutral, and professional project risk rating standards and systems, so DRC came into being.

Let’s talk about the professionalism of DRC first. I won’t introduce the founding team. Let’s introduce the DRC blockchain project rating framework. The rating framework of DRC blockchain projects evaluates the merits of a blockchain project from five major areas: project overview, project team, project plan, economic mechanism and project technology. It includes 22 evaluation subcategories and refines 109 evaluation indicators. .

DRC project ratings divide project risks into four categories: high risk, medium risk, low risk and not recommended. The definitions of the four major categories of risk levels are as follows:

The project scoring results obtained according to the DRC project evaluation framework will be mapped to the 10-level rating level. According to the mapping relationship between the rating level and the risk level, it will be mapped to Different levels of risk.

The service concept advocated by the DRC distributed professional service platform is to achieve "high-quality professional services to achieve universal benefits
". Therefore, adopting a common service model that is simple, easy to implement and easy to operate is more conducive to the
development of the DRC ecosystem. The general service model is summarized as "five steps", which are "initiating tasks, claiming tasks, executing
tasks, evaluating results, and resolving disputes", as shown in the figure below:

Each step is detailed The process is briefly described, please refer to the white paper at the end of the article. The important thing about DRC's service model is that it embodies one of the important characteristics of the blockchain - decentralization. Participants at each stage voluntarily participate and collaborate, and move to the next step according to the process and phased results.

The creation of a healthy environment in the DRC ecosystem is achieved through a series of corresponding supporting governance mechanisms. DRC
formulates incentivesIncentive mechanism, mass voting mechanism, dispute arbitration mechanism, expert evaluation mechanism, credit rating
mechanism, etc. establish an orderly, fair and shared ecological
environment between service demanders and service providers. Create a healthy development of the ecosystem. As shown in the figure below:

Different roles in the DRC community need to follow corresponding governance mechanisms. These mechanisms will be automatically executed through smart contracts, and some of the main parameters are achieved through representatives elected by the governing committee. Determined after consensus.

If you evaluate DRC strictly based on the DRC blockchain project rating framework, DRC may not perform very well, but if you look at "Is it a rigid need?" and project feasibility, it is still reasonable. . As more and more people participate in investing in digital currencies, most people actually do not have the ability or channels to understand and judge the pros and cons of a blockchain project. DRC gives this an opportunity and channel. Although its risk level may be too strict for ordinary investors, in the context of high risks in blockchain investment, strict and professional risk warnings are very necessary. In addition, for every due diligence person participating in the project, in addition to being familiar with the professional blockchain project evaluation framework, this is also an upgrade of their personal business model, and they will sell their works many times during the growth process.

Therefore, to participate in blockchain or blockchain investment, you can start with DRC.

❷ What changes can blockchain technology bring to personal credit reporting?

Blockchain technology can bring a real revolution to the global personal credit reporting field.
First of all, blockchain is a decentralized credit endorsement. The unique consensus mechanism of blockchain technology allows the recording and confirmation of any transaction to be based on a consensus that everyone agrees on, without the need for a centralized organization. For example, in the aspects of endorsement by banks and governments, efficient automation of the entire process is achieved through derivation algorithm programming, automatic execution of demand matching, contract performance and breach of contract processing.
Secondly, users have the autonomy of personal credit data. In the blockchain architecture, the data generated by personal user information can be traced and cannot be tampered with after being uploaded to the chain. No institution or individual can tamper with credit reporting data. If a dispute occurs, everyone can transparently trace back the transaction through the blockchain browser.
Finally, blockchain can build a healthy personal credit and financial relationship system. The essence of blockchain technology is to solve the trust relationship. Focusing on personal credit data, the core elements of the blockchain can be visualized, such as smart contracts and timestamps. Big data can be used to conduct credit ratings and manage credit risks, thereby establishing a Good personal credit ecology.
Blockchain and personal credit reporting are quite consistent both genetically and technically.
And Trust UBased on such technical characteristics, the nion credit alliance chain is working hard to build a personal credit and financial relationship alliance public chain, hoping to enable the world to truly achieve effective management of personal credit assets.

❸ #DRC——The leader of the blockchain industry# Read and understand DRC in one article

Yesterday, the lottery results of DRC’s 3,000,000 DRCT on Bihuhao came out. I didn’t know you won. Got it? If you haven’t checked it yet, go take a look inside Bihu’s candy box.

Considering that some friends don’t know much about the DRC project, this article tries to introduce this project to them in easy-to-understand language.

Nowadays, the blockchain industry is booming and changing with each passing day, but it is undeniable that it is a mixed bag and it is difficult to distinguish between true and false. It is difficult for investors to judge whether a project is good or bad; start-up technology companies and project parties have nowhere to seek blockchain professional services; and technology geeks and experts and scholars have nowhere to display their various skills; these problems have become obstacles to the development of blockchain technology. bottleneck for the healthy development of the chain industry.

Taking this as an entry point, DRC aims to create a "Wall Street in the digital world", create a self-disciplined, autonomous, transparent and open blockchain ecosystem, and promote the stability and orderliness of the blockchain industry. and healthy development.

Refer to DRC’s white paper:

Simply put, DRC is to be a third-party rating agency to conduct due diligence and project ratings on blockchain projects.

Due diligence is referred to as due diligence, refer to the definition of the Internet:

Generally, when acquiring assets, companies will conduct due diligence to evaluate opportunities and risks. This has many similarities with investors investing in blockchain projects.

In the past six months, many rating agencies have emerged in the blockchain field, but most of them are still centralized rating systems. However, DRC uses a distributed autonomy or decentralized approach for rating. The biggest advantage of doing this is that the rating results are relatively objective and fair, and no one can influence the rating results.

This rating method embodies the concept of everyone in the DRC community collaborating on crowd intelligence, crowd sourcing, crowd review, and crowd sharing, and can be carried out continuously. As long as a sponsor initiates due diligence, regardless of whether the sponsor is a community, a project party, or an investment institution, due diligence can be initiated.

Some friends may have doubts: Shouldn't this kind of professional due diligence be done by professionals or experts? Using this decentralized approach, although the results are objective and fair, how credible is the conclusion given?

After thinking about it, I think this question can be answered from two aspects.

First, blockchainThe field is a particularly emerging field, or it is still a very niche market. There may not be real experts here. Even if there are some industry experts with very high standards, it is estimated that they will not participate in the rating of this kind of project due to time or income constraints. Therefore, even in a centralized rating agency, the people participating in the rating may not be experts, but they have entered the currency circle earlier and their knowledge will be higher than that of ordinary people.

Second, to complete a professional due diligence investigation, the most important thing is to have a professional system and method. The role of people in it is slowly weakening.

How to understand this sentence, let me give you an example. Take the express delivery industry as an example. The reason why SF Express has become the industry leader is because it has a complete set of systems. While other express delivery companies are still manually sorting express delivery, SF Express has implemented QR code entry and sorting. The last time I sent an SF express, I was surprised to find that I didn’t even need to fill in the paper express delivery form. I directly entered it electronically with my mobile phone. This can undoubtedly greatly improve the efficiency of receiving express delivery, and the entered information can be reused multiple times. Therefore, the same courier, using SF Express's system, can send and receive express delivery faster than other express companies. The role of the system here is greater than the role of specific people.

Going back to the matter of due diligence, DRC has given a complete set of methods for risk rating of blockchain projects, which divides a complex and highly professional project due diligence work into team assessment, Dimensions such as project evaluation, technology evaluation, program evaluation and economic model evaluation are decomposed into various sub-tasks, and community volunteers claim one or several of them.

The rating model of the DRC platform will automatically aggregate and calculate project evaluation scores, and obtain the project's initial rating through scoring rule mapping. Mechanisms such as expert review, dispute arbitration, and mass voting have been introduced to comprehensively reflect the opinions of all parties in the final rating results.

We can take a look at the specific rating framework. The DRC project rating framework covers 5 assessment categories, 22 assessment subcategories, and refines 109 assessment indicators, as shown in the following table:

After nearly half a year of actual operation, DRC has adopted this rating system. It has rated many projects such as EOS, IOTA, SEER, LikeCoin and achieved good results.

I personally think that the value of DRC lies not only in the rating results of specific projects. Its greatest value lies in sorting out a rating system suitable for blockchain projects, and through distributed due diligence. Implemented in a practical way.

With such good services, who will need DRC services?

Technological innovation projects: For cutting-edge innovation fields such as blockchain, artificial intelligence, and the Internet of Things, they need an intelligent risk controlHousekeepers, and DRC can provide services such as ratings, information disclosure, risk control, and auditing that companies need during their financing, survival, and development periods.

Investment institutions and investors: Experts are expensive and hard to find, why not DRC? There are many experts, geeks, and investment analysts here, who are distributed in different fields, industries and professions to provide services, which are professional and practical; Preangel Fund has publicly stated that it is willing to use DRC as the entry screening threshold, and the rating must reach a certain level. Enter the review scope.

Digital asset exchange: DRC’s project rating results can of course also be used as a basis for exchanges to select high-quality projects, and can even provide differentiated pricing based on different projects. This is a future development trend.

People who are interested in technological innovation: By participating in DRC community activities and learning about cutting-edge research reports and project evaluation reports, they can continue to learn and make progress, and develop a "fierce eye" , identify authenticity.

At present, the distributed due diligence model in the DRC ecosystem is relatively mature, including exchanges such as HuobiPRO, BCEX, Allcoin, and LBank, investment institutions such as PreAngel, and incubators such as Singapore's Npower/Longhash all adopt DRC The distributed due diligence results provide a basis for selecting projects. DRC currently has more than 7,000 people in the Chinese and English communities, and has co-building communities in more than 10 countries around the world. DRC's token DRCT has been listed on FCoin and BCEX exchanges and is sought after by many investors.

Through the above analysis, DRC distributed regulatory technology collaboration platform: uses blockchain technology to give full play to the community concept and make high-end, high-quality professional services universally beneficial. It also provides an incentive mechanism to encourage professionals to break the constraints of their respective camps and companies, display their talents on a more open and collaborative platform, and gain rewards. The gain here is not only the gain of tokens, but also the gain of knowledge, connections and reputation. At the same time, for investment institutions and investors, obtaining efficient and professional services at a lower cost is a win-win result for all parties.

Therefore, judging from the comprehensive service content, service delivery methods and reward models, there is currently no product on the market that is completely similar to DRC. Let us wait and see the subsequent development of DRC.

❹ What is the difference between DeFi in blockchain and traditional finance?

What is the difference between DeFi in blockchain and traditional finance?

Traditional finance:

Traditional finance mainly refers to financial activities that only have the three traditional businesses of deposits, loans and settlement. Broad life cycle costs also include consumer purchasesUse costs, waste costs, etc. incurred later. Simply put, finance is the financing of funds.

Challenge traditional finance and build the Farad ecosystem



1. Vision - Targeting professional investors around the world who have investment allocation needs in the secondary market of digital currency Perform services





2. What is D eFi?



DeFi, the full name is Decentralized Finance, which is "decentralized finance" or "distributed finance". "Decentralized finance", as opposed to traditional centralized finance, refers to various financial applications established in open decentralized networks. The goal is to establish a multi-level financial system based on blockchain technology and cryptocurrency. as a basis to re-create and improve the existing financial system.



3. The difference between DeFi and the traditional financial system:

Difference 1: Conditions for survival

Traditional The survival conditions of the financial system depend on the financial environment, national policies, international situations, and the strength and authority of large financial institutions. Affected by various factors, the possibility of collapse is high. Once it collapses, the impact will be huge. For example, when the historic Lehman Brothers went bankrupt, the country was no exception. The collapse of Venezuela’s monetary system; the U.S. subprime mortgage crisis of 2008-2009, when the government and private lenders issued trillions of dollars in loans or mortgages to high-risk borrowers, had disastrous consequences. These have had a devastating impact on tens of thousands of people, and once the trust system collapses, comprehensive measures need to be taken to save it and prevent the chain reaction it will bring.

In contrast, decentralized financial systems live or die by the strength of their protocols, cryptography, and smart contracts. The influence of external factors is minimized.

Difference 2: How to apply for a loan

In traditional finance, the process of applying for a loan is as follows:

In this system, traditional finance uses personal information As a reference as a criterion, the maximum subjective trust criterion is given.

But in Defi, the entire process is completely automated and decentralized.

Difference 3: How credit ratings are generated

Credit ratings under traditional finance rely heavily on subjective evaluations and have cumbersome procedures. After a series of background asset investigations, credit ratings are still highly uncertain. Coupled with the general environmental impact of the economic cycle, lending institutions under the boom cycle speculated wildly, ignored risks, and pushed the danger to the extreme. During the recession cycle, the review system was strengthened to the extreme, but those who needed the most loans were excluded from screening. The disadvantage exposed in both contexts is that the assessment of credit ratings cannot lend money to those who are most in need and of greatest value.

So, the disadvantages of traditional finance:

1. In order to control risks, relying on a subjective review trust system does not have enough conditions to accurately assess the credit of a large population. grade.

2. Due to national/geographical/policy restrictions, the traditional financial model cannot provide individuals and companies with good credit or history of lending channels around the world.

3. The strictness of the traditional financial model has given rise to models such as loan sharking that do not produce a virtuous cycle of development for the market economy; if investors of all sizes want to become lenders, the usual model is to purchase Stock assets.

In order to build an environment with a lower risk index and enable more people to use lending equally, Farad hopes to perform a parallel function: they pool assets and make them available to borrowers. The main business implemented is similar to a bank's "mortgage lending". Users can mortgage their assets in the agreement to obtain annualized returns, while the lender of the assets needs to pay corresponding interest.

4. Farad operating mechanism



Farad is a decentralized asset management platform. To learn more, please click https://www. farad.vip/

❺ I heard that there are three capability levels in the trusted blockchain function grading assessment. Which companies have obtained the highest level?

Yes The functional graded assessment of the Xinxin Blockchain is a special evaluation project launched by the China Academy of Information and Communications Technology in August 2022. There are a total of 3 ability levels: basic level, extended level, and advanced level. The ability requirements increase step by step. Qulian Technology is the first evaluation unit one. At the eighth batch of trusted blockchain evaluation expert review meeting, the blockchain underlying platform independently developed by Qulian Technology (Hyperchain) passed the special functional classification test and achieved the highest rating of 3level (advanced level).

❻ What are the methods of blockchain investment?

The underlying logic of blockchain is to store information in a joint competitive accounting method, which can be understood as recording digital assets. Transactions, and no one can tamper with the ledger without permission.
Blockchain is the basic technology of digital currencies such as Bitcoin, and it is currently the only technology that has been applied for monetization.
Now that digital currency transactions have been closed in China, the vitality of established companies that were doing well in the country has been severely damaged. Some units with overseas backing have started to rise, such as Binance, which is now the most popular.

❼ How to judge whether a blockchain project is worth investing in?

1. Project details

Project details are generally published by the project party on certain ICO platforms. The platform is responsible for review, and detailed relevant information must be submitted when publishing. Available for user query. The following are what we need to refer to:

◆Whether the project team member information is fake

◆Whether the official website has been recently filed

◆Whether the total project quota is reasonable

◆Whether the additional issuance is excessive

◆Whether the project token allocation is reasonable

◆Whether the project development plan and development plan are clear

II. Product Analysis

Type: application, platform, underlying technology

Carry out corresponding analysis based on different blockchain projects to determine whether the project is suitable for development through blockchain technology and compare Analyze existing products in the industry. For example, a certain project is currently building a decentralized content distribution platform. We can refer to the better TOUs in the industry. As a unicorn in the field of content distribution, Toutiao has grown since its launch in 2012 and now has 500 million registered users and nearly 100 million DAU.

User composition: advertisers, content producers, content readers,

Content ecology: UGC+PGC content generation model has become complete, content composition is diversified, graphic information + Short video + Live broadcast

Profit model: e-commerce advertising and information flow advertising to monetize traffic,

Product advantages: large number of users, classified push of information based on specific algorithms, user experience Good, user habits are developed

Financing experience: Series C, US$1 billion

Based on the above information and comparing it with the project’s white paper, determine what are the real advantages of this blockchain project? If the project white paper cannot clearly describe the product architecture and just talks about concepts, then it is very likely that the product is unreliable.

3. Market analysis

Competing products: not only Sina, Sohu, Tencent, NetEase, Phoenix, Yidian, Zaker, Online News, Zhihu Daily and other major platforms. There are also a series of vertical content products competing with it.

Competition: A large number of users have developed fixed information acquisition habits, which indicates that the new platform will have higher customer acquisition costs.Significant increase

4. User and usage scenario analysis

◆Content readers: obtaining information, entertainment and relaxation, skill learning, emotional expression, eye stimulation, policy interpretation, consumption decision-making, etc. .

◆Advertisers: attract traffic, promote products, and create brand tone.

◆Content producer: Produce high-quality content, receive advertisements, and earn advertising fees.

5. Analysis of industry issues

◆The platform’s definition of effective traffic and recommendation mechanism lead to unstable income for content producers

◆The impact of advertising placement on users The impact of experience

◆The effect of information flow advertising on certain types of products is poor

Attachment: A summary of recent projects on a blockchain crowdfunding project website

◆Internet of Things: Waltonchain

◆Social communication platforms: SNC, Matchpool

◆Asset trading: OmiseGo, OpenANX, Bytom, Gongxinbao

◆Cloud storage technology: STORJ, iex.ec

◆Application distribution, MobileGo

◆Electronic wallet: Status, Monaco

◆Content distribution: YOYOW

◆Smart Investment: CoinFeed

◆Smart Contract: Aeternity

◆Digital Advertising: YouWiFi, BAT

◆Company : Dcorp

◆ICO crowdfunding, venture capital fund: Onplace

◆Blockchain transactions: ICOcoin, Quantum Chain Qtum=

◆Medical care: Cloud Medicine Chain HIS, medical chain

◆Entrepreneurship incubator fund: Starta

◆Blockchain technology application

◆Digital assets: Tenx, Ruizi Chain, ZenGold< /p>

◆Game account system: ugChain

◆New media: Cloud Chain

◆Election: Election Chain ELC

◆Asset exchange: SWFT Platform

◆Copyright: IPC Intellectual Property Chain, Printing Chain

◆Computing Power: SONM

6. Technical Strength Analysis

◆ Whether the core technology is innovative and industry-forward

◆Technical feasibility and implementation difficulty

◆Whether the product type can give full play to the advantages of blockchain technology

◆Whether the project releases a test network

◆Whether the project is open source, generally open source projects will be uploaded to github,

◆Which blockchain will be developed based on

◆Which consensus mechanism to use

7. Team composition analysis

◆Whether there are experts in the team

Whether it is technology experts: such as stratisCEO Chris Trew , BancoEyal Hertzog of the r founding team, investors such as Tenx include Ethereum founder Vitalik Buterin and Fenbushi Capital partner Shen Bo.

The initiator of a certain blockchain product crowdfunding project is Yang Mouke, the former co-founder of Bitcoin China, who launched the ICOcoin project. Or maybe the initiator of the blockchain project is Li Moulai, the "richest man in Bitcoin" in China, launching the Press one project. This can all mean that this project is reliable in a certain sense. Of course, there are exceptions, such as the recent case of Mr. Li, whose project caused outrage in the entire circle.

◆Is the team structure scientific?

Legal consultants, industry consultants, project management committees, third-party organizations

8. Reference blockchain project rating websites< /p>

Relatively reasonable, there are many rating websites, and the rating standards of each platform are also different. There may be a big gap in the ratings given by the same project on different platforms. At this time, we are needed

I have a deep understanding of the basic knowledge related to blockchain and am capable of certain self-judgment. Don’t trust experts. Many so-called experts may have interests tied to the sponsors of blockchain projects.

9. Direct communication

The last point is also the most important. Whether it is a face-to-face road show, or communication in a forum or community, people can intuitively understand whether the initiator of this project is reliable. Whether it is a blockchain product project or some technical questions, the project side can answer them. Whether it is reliable or not will be known once you test it.

❽ How does Huaneng Lancangjiang District use blockchain to solve the problem of financing difficulties

If Huaneng Lancangjiang District wants to use blockchain to solve the problem of financing difficulties, it can consider the following points:< br />
1. Issuing digital currencies based on blockchain technology

Huaneng Lancangjiang District can issue digital currencies based on blockchain technology to replace traditional currencies as a means of investment and financing. Through blockchain technology, digital currency transactions can achieve decentralization and real-time settlement. It also has features such as anti-counterfeiting and traceability, which increases the trust of investors.

2. Use blockchain for asset securitization

Huaneng Lancangjiang District can securitize some of its own projects or assets, convert them into digital assets and pass them through the district Blockchain technology is used for management and transactions. This can improve the liquidity generated by financing and attract more investors to participate in financing.

3. Build a decentralized financing platform

Huaneng Lancangjiang District can use blockchain technology to build a decentralized financing platform to streamline the financing process. Be more open and transparent and reduce the cost of trust among participants. At the same time, because of the decentralized nature of the platform, participants can freely choose to participateProject and investment directions improve the flexibility and diversity of financing.

In short, blockchain technology has the characteristics of decentralization, non-tampering, and high security, which provides a good means and direction for Huaneng Lancangjiang District to solve the problem of financing difficulties.