区块链中的支付宝是什么,区块链中的支付宝有什么用

近年来，区块链技术的发展迅速，已经成为行业的热点话题。而区块链中的支付宝也是一个值得关注的重要组成部分。那么，区块链中的支付宝到底是什么？它又有什么用呢？

区块链中的支付宝是一种基于区块链技术的支付系统。它是一种分布式的、去中心化的支付系统，可以将支付宝的服务和功能嵌入区块链中，实现更快捷、更安全的支付。

区块链中的支付宝有很多用处，其中最重要的是实现快速支付。它可以在几秒钟之内完成转账，不仅提高了支付的速度，而且还能够有效防止欺诈行为。另外，区块链中的支付宝还可以帮助商家实现更有效的账务管理，有效降低账务成本，提高支付效率。

此外，区块链中的支付宝还可以帮助用户实现更安全的支付。它可以利用区块链技术，将用户的账户信息和交易数据加密存储，从而有效防止欺诈行为。同时，它还可以提供智能合约功能，可以自动执行支付，从而更有效地保护用户的资金安全。

总之，区块链中的支付宝可以为用户提供更快捷、更安全的支付服务，同时还能够实现更有效的账务管理。因此，区块链中的支付宝可以为用户提供更多的便利，是一种受到广泛认可的支付方式。

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A. How do you view Alipay’s involvement in the blockchain field?

The subject’s question is very meaningful. First of all, we must make it clear that Ant Financial “belongs” to Alibaba. Ant Financial has Ant Financial’s business, and Alipay also has Alipay’s business. In the era of big data, "data islands" are the biggest problem for many enterprises.

User data is extremely precious, but companies refuse to communicate with each other. Alibaba and Ant Financial have rich ecological coverage. Through blockchain technology, they can also achieve data exchange with enterprises in other industries. For example, some enterprises invested by Alibaba can directly receive information from Alibaba's huge ecosystem through blockchain technology. User data.

Also, Alipay uses blockchain technology, which facilitates traceability of transactions, etc. Other respondents have already explained these details in detail, so I won’t go into details here.

Traditional Internet giants often use alliance chain technology. On the one hand, they will continue to strengthen their own ecology, and on the other hand, they will also improve data management.

The difference from traditional Internet companies is the public chain. The public chain is actually the opposite party to the alliance chain. Public chains often hope to break the monopoly of traditional Internet platforms through blockchain technology. For example, Aion once announced in a high profile last year that it would be renamed The Open Application Network (The OAN). It is committed to using blockchain technology to improve the current status of the platform economy, and has reached a privacy protection research cooperation with the University of Waterloo. As well as news such as the launch of a privacy test network, it often calls out to the traditional technology and software industries. The slogan is to solve the "unintentional mistakes" of the platform economy, but the intention is relatively obvious: to return data ownership to users and break the monopoly of traditional Internet companies.

B. Full analysis of Alipay’s mysterious blockchain product “Open Alliance Chain”, the era of everyone joining the chain is here

The mysterious blockchain product that Ant has been announcing for many days has finally been unveiled .

On April 16, Ant officially announced its new blockchain product "Open Alliance Chain". The "Open Alliance Chain" claims to be a universal chain-linking product that "doesn't require a chain and can be uploaded quickly and at low cost" mainly for small and medium-sized enterprises and developers. It focuses on helping developers quickly deploy and develop blockchain-related applications.

According to Ant Blockchain Jin Ge, the "Open Alliance Chain" began testing in December last year. After more than three months of public testing, it has accumulated thousands of customers and developers (active ratio More than 10%), dozens of DApps have been built on the product.

This official announcement also heralds that the "Open Alliance Chain" will officially move from public beta to commercialization.

Lowering the threshold is an eternal topic in blockchain development.

Previously, various Internet giants were developing cross-border blockchainWhen it comes to fields, they are happy to start with BaaS services.

BaaS services mainly focus on providing developers with a complete set of development tools to lower the threshold for developers to build their own alliance chain system.

How is the "open alliance chain" that emphasizes further lowering the entry threshold realized?

The biggest difference between "open alliance chain" and BaaS services is that developers can use the blockchain without purchasing servers or building nodes.

Specifically, small and medium-sized developers can directly access the blockchain and carry out on-chain business through the IDE, smart contract development templates, DApp development assistants, and other components provided by Ant Blockchain.

Jin Ge, general manager of the Ant Blockchain Platform Product Department, gave an example of traceability scenarios:

"Open Alliance Chain" is actually a product between a public chain and an industry alliance chain. But in terms of form, it is more inclined to the industry alliance chain.

There are also differences between "open alliance chains" and industry alliance chains. The customer levels and business models they cover are different.

In terms of customer level differences, industry alliance chains cover top customers, such as listed companies or leading companies similar in size to listed companies, which have greater influence in the industry. The "open alliance chain" covers small and medium-sized customers with small revenue and some developers.

In terms of business model differences, industry alliance chains are more connected in the form of projects, with long implementation cycles and project volumes exceeding one million. "Open Alliance Chain" emphasizes a ready-to-use, on-demand pricing model with a low threshold.

At the press conference, Jin Ge also made a detailed analysis of the five major capabilities of the "open alliance chain":

Overall, the "open alliance chain" Currently we are adopting a low-cost, low-threshold pricing service model.

From the official website, it can be seen that the open alliance chain provides users with two versions: professional version and enterprise version. The product has three pricings, each priced at 100 yuan/month (professional version, for test-type novice developers) , 999 yuan/year (professional version, for developers who really need to access the blockchain), 4888 yuan/year (enterprise version, for enterprise-level developers with relatively high-frequency transactions).

The enterprise version is suitable for high-frequency scenarios such as games, social networking, bills and people's livelihood, and public welfare, while the professional version is suitable for low-frequency scenarios such as copyright contracts, organizations, and traceability.

Both the professional version and the enterprise version can enjoy the basic services provided by the open alliance chain. In addition to the price, the biggest difference between the two is that the TPS of the user rights of the professional version is ≤ 10, and the monthly available fuel is 1 billion; Enterprise The TPS available for users' rights is ≤100, and the available fuel per month is 100 billion. In addition, the first 100 enterprise version users can also obtain the creation product status of the "open alliance chain".

In addition to lowering the threshold, large companies are always willing to create scenarios when it comes to blockchain. The evolution from BaaS to "open alliance chain" is also a manifestation of giants attracting more developers by lowering the threshold to feed back application scenarios.

According to reports, the current main application scenarios on the open alliance chain are mainly 2C services, involving game interaction, public welfare traceability, copyright, bills and people's livelihood, etc.

It is easier for customers with their own scenarios to form a relatively stable group.

The follow-up plan of "Open Alliance Chain" is also closely related to the implementation of blockchain scenarios.

Jin Ge also introduced three future plans for "Open Alliance Chain":

1. Create more valuable industry scenarios based on existing customers, and hope In the future, we can expand more blockchain service providers in small and medium-sized enterprise industries, such as education, retail, agriculture, medical care, cultural tourism and other industries, and contribute more scenarios;

2. The Ant Industry Alliance Chain Provide it to customers on an on-demand pricing basis;

3. Gradually add more industry alliance chain technologies, such as digital identity, cross-chain, and cloud integration capabilities, to the open alliance chain according to the market pace Go inside to further lower the development threshold for developers and solve technical problems.

C. How do you view Alipay’s involvement in the blockchain field and the recent launch of nft?

Alipay blockchain launched nft. It can be said that blockchain is very hot now, and the technology is I don’t remember who said it. This sentence means that a pig can fly even if it stands on the wind. Now many Internet companies are cross-industry to develop new energy vehicles, smart cars and other related businesses. Isn’t it because of this? Is it a vent?

People in the industry know the general principles of this thing and how it works. If you know when you can make money, you want to buy stocks. You should at least know when I can make money by buying and selling. , I don’t even understand what stock investment you are doing. The same is true for blockchain technology, so if you don’t have any foundation and just see how popular this thing is, don’t kill the cat with curiosity. This sentence Can't be wrong.

D. Where are the applications of Alipay blockchain? Can anyone give a simple and clear answer?

There are still many application areas for Alipay blockchain, such as the original Anhui Dangshan, Wuchang Rice had a lot of fakes at first, but since the Alipay blockchain implemented the origin traceability QR code, this has made the whole process more transparent and monitorable, and it is closer to life. Everyone likes Tmall Mall, Tmall In order to relieve consumers of this concern, the product traceability plan is launched. It takes advantage of the non-tampering, non-repudiation, easy traceability and other characteristics of the Alipay blockchain to relieve consumers of their worries.

E. Alipay is involved in the blockchain field, what is the recently launched NFT?

NFT is in EnglishThe abbreviation of Non-Fungible Token means non-fungible token, which is also an irreplaceable token. This kind of token can represent a certain kind of uniqueness, and two different tokens are not replaceable. How to understand this replaceability? Substitutability is a relative concept, which is expressed in a certain scenario or from a certain dimension. For example, in the cryptocurrency BTC, the BTC I hold is equivalent to the BTC in your hand and can be replaced. Exchanging one btc doesn't change anything for me or you. But something is different. For another example, I have a card signed by a celebrity, and you also have a card. The two cards may have the same face value, but the signature's place in my heart is such that I wouldn't trade it with you. Furthermore, some things cannot be replaced between different categories. For example, I like to watch the scenery outside the window when traveling. My window seat high-speed rail ticket and your middle seat ticket are irreplaceable.

At the same time, due to its non-homogeneous and indivisible characteristics, NFT can anchor the concept of commodities in the real world, such as tokenized tickets, a Bottles of precious red wine, uniquely designed jewelry, and more. NFT allows us to tokenize any valuable thing and trace the ownership of the information, thus realizing the intersection of information and value.

F. How do you view Alipay’s involvement in the blockchain field and the recent launch of nft

It should be that they are adjusting their business and trying to keep up with the times, and they cannot hinder the country The development will make everyone’s life more convenient.

G. Is Alipay a blockchain technology?

As we all know, blockchain has three major characteristics: decentralization, non-tampering, and openness and transparency. Among them, the non-tampering characteristics make the blockchain Chains can be applied to many scenarios. Such as privacy protection, digital copyright, product traceability and anti-counterfeiting, etc. As blockchain becomes more and more popular, more and more application software practitioners begin to study blockchain and try to combine it with blockchain to optimize their own applications and improve user experience. So, today we will talk about how Alipay uses blockchain to achieve product traceability.

The use of blockchain traceability technology allows merchants to protect their own rights and interests and clearly understand the ins and outs of the product production process. On the other hand, it also optimizes the user experience. It has an accurate record of the specific information about the product, so that users can use the product with more confidence. At present, more than 30 application scenarios of blockchain have been implemented, such as charity, urban management (rental management), medical bills, electronic prescriptions, cross-regional transportation payment for subway, high-speed rail and train travel, etc., which has improved Social efficiency has brought great convenience to life.

H. TPAY, the Alipay + Taobao project in the blockchain industry, has been launched

2017 is the year of the explosion of blockchain. Due to the continuous rise in currency prices, many People began to enter the market. At that time, insiders once said: BlockchainIt will give birth to infinite vitality and vitality just like the Internet. It is true that in many blockchain projects at that time, there were some phenomena of cutting leeks, and news of running away, losing contact, and returning to zero appeared in the community every day. However, after more than three years of development, a new reincarnation has entered in 2020. The surviving projects have given birth to stronger vitality. Many projects have also sprung up and entered people's field of vision. Institutions and large companies have begun to get involved in the blockchain. Even the government has included blockchain in the 14th Five-Year Plan. There are various signs that in the environment of survival of the fittest, blockchain is reviewing the path that the Internet has taken.

The most powerful proof of this view is that blockchain is no longer just the basic technology for creating cryptocurrency, but an increasing number of model innovations that closely integrate real life with it. . There are already practical cases in bill deposit, payment tracking, cross-border payment, etc. The application of NFT technology in digital art, music, collectibles and other fields has emerged from abroad, quickly become popular, and is likely to sweep the world.

As blockchain applications take root in various fields, the arrival of a great awakening has given entrepreneurs and investors full confidence that the blockchain renaissance is coming, which naturally encourages people to be more Extensive and in-depth exploration, the scenario application of blockchain + e-commerce is one of them. In the Internet era, the Alipay + Taobao model has created a huge Alibaba. So, can blockchain + e-commerce be realized, and what changes will it bring... A Tongda company that has attracted more than 70 suppliers and has more than 300,000 SKUs TPAY Mall (TPAY) gave its own answer.

Distributed payment + global shopping builds a new ecosystem

Globally, among technology companies, Amazon’s CEO Bezos has topped the list of the world’s richest people several times. Domestically, Alibaba and JD.com have also achieved great results, and community group buying has become the main focus of crazy competition. Whether it is the continuous improvement of performance or the continuous expansion of market depth and breadth, they all confirm the huge value of the e-commerce market.

E-commerce supported by blockchain technology has distinct advantages over traditional e-commerce in terms of traceability, encryption, distribution and other technologies and services. Therefore, it will surely create a broader platform. TPAY also took a fancy to the potential of this market, so it established Tongbei Mall based on Huobi HECO, and built a complete traceability, transaction, wallet, payment and other ecology, and also acquired more than 70 suppliers. More than 300,000 SKUs supported. Daily necessities, food, furniture and home appliances, mobile digital, mobile phone bill recharge, gas card recharge, as well as dozens of best-selling gift cards from well-known chain companies such as Walmart, Carrefour, Starbucks, etc., can all support BTC, ETH, HT, TPAY and other digital products. Currency purchases.

Traceability technology can ensure the reliability of goods and transaction parties, and exchanges and wallets integrating DeFi technology can support global encryption.The rapid transfer of assets can also avoid risks such as high OTC thresholds and card locks. The support of suppliers and payment tools allows global buyers to be at hand. Such a complete ecology will not only break down the geographical and company barriers of traditional e-commerce, but also provide safer and faster services. It truly realizes the "Alipay + Taobao" model in the blockchain field.

Uncover individual economic value while buying and selling

While building a convenient blockchain service platform, TPAY is also implementing the vision of a blockchain distributed community. In the TPAY mall, every buyer is regarded as a community member and receives corresponding rewards in the form of mining as a result of shopping. In addition to token rewards, you will also enjoy discounts.

At the same time, even if you are not a buyer, you still have the opportunity to receive rewards and become a member of the community. The TPAY community also supports promotion and mining. Whether you are promoting the mall, gaining traffic for the mall, or promoting products in the mall, you can get rewards based on the promotion results. As the number of community members increases and the base becomes larger, it becomes possible to achieve exponential growth like Pinduoduo with the support of high-quality services, high-quality products, and strong discounts.

How much value will TPAY create?

Today, as the global market is gradually opening up, the inconvenience of cross-border payments still exists. The demand for the circulation of domestic and foreign goods is creating a huge market. The TPAY project team initially targets the domestic population and will gradually expand into the international market as it develops and expands. Its ecological closed-loop and complete services can provide very strong support. From this point of view, its future prospects are worth looking forward to.

At the same time, from the perspective of cryptocurrency value investment, its specific business model will provide huge growth space for the entire project, and the TPAY it issues will naturally increase, and the value assigned will also increase. Like Alibaba and Amazon stocks, investors will receive very high returns.

In addition, its deflation mechanism of payment destruction, supplier sales burning, and limited total amount will increase the amount of destruction and the increase in demand caused by the increase in users, which will make TPAY Intrinsic value is revealed. The DeFi gene of the project itself will also greatly support its price increase under the current DeFi boom. Therefore, whether it is from the perspective of the potential of the project itself or the growth potential of the issued tokens, it can deliver satisfactory or even surprising answers to investors.

Written at the end

As blockchain technology matures, its impact and changes on real life, considered from a high perspective, will definitely exceed people’s expectations in the future. imagination. In its early stages, what should be done is to accompany it, rather than wait and see or be afraid. The growth process of Bitcoin has confirmed this principle. This principle also applies to TPAY.

I. Is Alipay a blockchain technology? What do you think?

We now live in an era of mobile payment, and it has become commonplace for people to use Alipay and WeChat to pay in their daily lives. This kind of mobile payment terminal is discussed more about its relationship with the blockchain? Is Alipay a type of blockchain? Lets come look.

I believe that with the continuous promotion of blockchain technology in the future, our social credit system will continue to be improved. I will also learn more from blockchain technology to create a faster and more convenient intermediary platform.

J. Ant Group has released another blockbuster blockchain application. Can it create another "Alipay"?

Prior to this, Alibaba has repeatedly predicted that it will release a "subversive" application today. sexual products”. So, what pain points can Trusple solve? What are the application prospects? What difficulties and obstacles does the promotion of Trusple currently face?

Another “Alipay”

“Same as Alipay’s original intention of launching secured transactions, Trusple also aims to solve the problem of transaction trust. The difference is that since blockchain technology is solving With outstanding features in trust in complex processes, Trusple better meets the needs of solving trust in international trade." said Jiang Guofei, Vice President of Ant Group and President of the Intelligent Technology Business Group.

Specifically, on the Trusple platform, when a buyer and seller generate a trade order, it is automatically uploaded to the chain and begins to circulate. The bank will automatically pay based on the payment terms agreed upon in the order, avoiding the traditional model. Sellers need to urge buyers to transfer money offline, and at the same time, they can also prevent the frequent malicious delay in payment time. Buyers can also obtain financial services such as account terms based on real orders on the chain, which greatly improves capital utilization and procurement efficiency.

For buyers and sellers, every successful transaction on Trusple is a deposit of "on-chain credit". When a company has financing needs, financial institutions can submit a verification request to the Trusple platform to determine the authenticity of the company's trade. In this way, on the one hand, it reduces the financial service risks of banks and other financial institutions, and at the same time, it also revitalizes the survival and operating capabilities of small and medium-sized enterprises.

It is understood that five banks, including BNP Paribas, Citibank, DBS Bank, Deutsche Bank and Standard Chartered Bank, have become Trusple’s first partners.

How complex is traditional trade finance business? The following is the bank's letter of credit business flow chart:

As can be seen from the above, the traditional international trade financing model is not only complex in process, but also requires high service fees from banks. If there is a blockchain trade settlement platform and a trade settlement contract is developed, the exporter directly places the advance payment in the smart contract, and waits for the exporter's goods to arrive at the destination, and the system verifiesAfter the documents are qualified, the smart contract is triggered to lend money to the exporter. Not only is the process simple and the service fee is low, but more importantly, it can reduce the capital occupation cycle and improve capital efficiency.

"This is the case with Trusple currently launched by Ant Group, and Ant Chain also supports smart contracts." Li Lianxuan said.

To sum up, the difference between traditional cross-border trade and Trusple is centralization and decentralization. In the traditional trade model, banks serve as the center, providing transaction credit or financing facilities to buyers and sellers to ensure the smooth progress of transactions. The "credit" in this is the bank's third-party credit. As for the trust model of blockchain, its "credit" comes from the blockchain itself and does not require a third-party intermediary.

Facing two major obstacles

The launch of Trusple also fulfilled a long-cherished wish of Ali for 19 years.

As early as 2001, Alibaba B2B Company tried to use a model similar to an intermediary guarantee to solve the problem of mutual distrust between buyers and sellers in foreign trade transactions, but was unable to do so due to technical constraints at the time. Two years later, the emergence of Alipay solved the trust problem among C2C business users. However, because transactions between enterprises are much more complex than between individuals, and payment methods and logistics methods are also very different, the plan 19 years ago has been shelved to this day. Until the emergence of blockchain provides new solutions. For this reason, Alibaba calls the launch of Trusple a major launch comparable to the birth of Alipay.

It is worth noting that although Trusple has similar functions to Alipay, both are designed to solve the trust problem between different subjects, but the solution ideas are completely opposite. Trusple aims to eliminate middle links and disintermediate, while Alipay is the largest intermediary with 1 billion users. Trusple only targets B-side users in cross-border trade, so it seems to be fine with Alipay for now. So if similar products are used in domestic C2C e-commerce scenarios in the future, it will revolutionize Alipay's life.

Alibaba’s blockchain layout

Blockchain is based on the characteristics of decentralization, openness and transparency, information traceability, anti-tampering, automatic execution of smart contracts, etc., and is a natural solution to trust issues. weapon. As The Economist said: Blockchain will become a “trust machine.” Therefore, Jack Ma said that Alibaba without blockchain would "die".

Jack Ma’s words are not alarmist. Alipay, which started as an e-commerce company, has played a key role in solving the trust issue between consumers and merchants in online transactions. It can be said that without Alipay, Alibaba would not have the e-commerce empire it has today. “Over the past decade or so, we have continued to promote the construction of trust mechanisms through technology and innovation,” Ant Group said in its IPO prospectus.

To this end, as early as 2015, Alibaba established a blockchain team and began to invest in blockchain research and development. In October 2017, AntAnt Financial (the predecessor of Ant Group) released the "BASIC strategy" (blockchain, artificial intelligence, security, Internet of Things, cloud computing). In July this year, just before Ant Group applied for listing on the Science and Technology Innovation Board, Ant Blockchain was officially upgraded to "Ant Chain". Jack Ma personally named Ant Chain, which shows its status in the Alibaba ecosystem.

Today, Alibaba has implemented more than 50 blockchain application scenarios. Ant Chain is technically able to support 1 billion account sizes and can support 1 billion daily transactions, achieving 10 transactions per second. Wanbi cross-chain information processing capabilities (PPS).

In April this year, Ant’s “Open Alliance Chain” was officially launched, fully opening up its blockchain technology and application capabilities to small and medium-sized enterprises. Subsequently, the implementation of related blockchain applications further accelerated. In July, the Ant Chain all-in-one machine was released, which can save more than 90% of blockchain deployment time for government and enterprise developers; on September 18, it was opened to the public including data security computing hardware, The privacy and security "three-piece set" of 3D contract security services and data privacy computing services; Trusple is released today.

In terms of research and development, Alibaba’s blockchain patent applications have ranked first in the world for four consecutive years, and its self-developed cross-chain technology has also been recognized as an international standard.

According to the website of the Shanghai Stock Exchange, Ant Group’s Science and Technology Innovation Board IPO has entered the “submission for registration” stage. "After listing, the most important thing for Ant Group is to invest in technology. In the future, it will focus on investing in the five major technical fields of artificial intelligence, risk management, security, blockchain, computing and technical infrastructure." Ant Group CEO Hu Xiaoming said.