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① Why blockchain is needed for second-hand house transactions
With the rapid development of Internet technology, second-hand house direct sales platforms have developed rapidly in recent years. Similar to "Lianjia Second-hand House Direct Sales Network" and "I Love My Home Without Intermediary Business", other representative second-hand house self-sale platforms aim to allow house buyers and house sellers to trade more directly, especially in the case of disputes arising from real estate intermediaries and transactions. have been solved to a certain extent. And will the emergence of these direct sales platforms de-intermediate second-hand housing transactions in the future?
Regarding this issue, we need to note that in the context of possible de-intermediation of second-hand housing transactions in the future, in addition to direct sales platforms, more reasons come from the development of blockchain technology. As blockchain technology becomes more mature, a new real estate platform called "Blockchain Real Estate Transaction Registration Platform" has begun to emerge, and its biggest feature is that it completely records housing transaction information on the blockchain. Let buyers and sellers have more security for each other.
From this perspective, the scenario in which second-hand housing transactions may be completely de-intermediated in the future is rather confusing. Because "complete deintermediation" does not mean "cancel the existence of brokers" or "cancel intermediary services", but means that house buyers and house sellers complete the house buying and selling process more directly through transactions on the blockchain platform. , and have more effective protection in terms of information.
But in any case, from the perspective of consumers, the impact of such deintermediation on consumers in the future will be extremely profound. On the one hand, based on blockchain registration, consumers can obtain a more convenient, secure and transparent housing transaction experience. For example, in house purchase and sale transactions, such a system will realize mutual supervision and use blockchain to eliminate unnecessary intervention by intermediaries. On the other hand, it will make consumers' housing transactions safer, and records of fraud that cannot be related to disintermediation will be completely recorded on the Bingzhi blockchain to protect consumers' legitimate rights and interests from infringement.
Taken together, the emergence of second-hand house direct sales platforms and the gradual maturity of blockchain technology will have a profound impact on second-hand house transactions in the future. Second-hand housing transactions may be de-intermediated in the future. In this context, consumers can obtain a more transparent, convenient and secure housing transaction experience, which will expand the development space of China's real estate market and help China's real estate industry become healthier and more stable. Development
② What impact does blockchain have on real estate?
Blockchain may affect the real estate market in five aspects.
To understand how blockchain could improve the real estate market, five members of the Forbes Real Estate Council measured its impact and concluded with the following:
1. Accelerate the transaction process
Using blockchain tokens, there is no need to go through property rights investigations or middlemen to protect property rights transfers. by makingUsing a blockchain distributed database to prove the authenticity of transactions, household owners can quickly transfer property rights without the need for third-party verification. The technology could revolutionize the real estate industry by making escrow companies obsolete.
——Hillary Hobson, Highest Cash Offer
2. Increase transparency
One of the biggest costs of real estate transactions is the lack of transparency. One is transaction friction caused by too many middlemen (think custodians, underwriters, brokers). Blockchain enables all transactions to be conducted peer-to-peer without the need for middlemen, and all information records are completely transparent. This leads to efficiency and trust.
——Ridaa Murad, BREAKFORM | RE
3. Protect online data storage
In addition to cryptocurrencies, blockchain technology can also protect online data storage. In the future, it can be used to store all property records, such as title, apartment, land survey, property chain, etc. Blockchain may eventually become part of multiple listing services systems. Uses beyond cryptocurrencies will become widespread.
——Roger Blankenship, Flipping America
4. Cost-effective and trustworthy
Blockchain will eliminate dependence on title insurance and increase Transaction efficiency and confidence. It can also add transparency to the entire buyer platform, making financial considerations like difficulty affording attorney fees less of a factor in understanding title and ownership issues.
——Susan Tjarksen, KIG CRE LLC
5. Publicly provide important information
Gordon Gekko said personally, “The most valuable thing I know The commodity is information”. Blockchain will become a repository of information. A lot of information, once entered properly, can be valuable. When institutions have good information, and that information is public, risk is greatly eliminated for all counterparties who have trading relationships with those institutions.
The information comes from the Internet, I hope it can be helpful to your question.
③ How to introduce the blockchain in 3 minutes in a simple and easy-to-understand manner, and what its commercial value will be in the future
There is a real joke, an engineer from Ant Financial, he wrote I submitted a blind date resume, and the job description in it was "code farmer", but no one clicked it for a long time. Later, he changed his work experience to "blockchain" and received 381 love letters at once.
From workers in high-tech industries to square dancing aunties, it seems that everyone is participating in the blockchain carnival. So what exactly is the seemingly mysterious blockchain? Read to understandBy following the content, you will have completed the progression from novice to beginner.
1. What is blockchain?
To put it bluntly, the blockchain is "everyone keeps accounts together." Any database needs a big housekeeper to be responsible for "accounting" (maintaining the system and entering data). But after using blockchain technology, the concept of this "central steward" disappears, and each of us can participate in accounting. So the question is, whose record will ultimately prevail? Of course, it is the person who completes the work well and quickly. A system that strictly adheres to fairness will select this person based on the algorithm, write the contents recorded by him into the ledger, and send the contents of the ledger during this period to everyone in the system. of others to make backups.
Any new thing must have unique advantages if it wants to develop rapidly, and the same is true for blockchain technology. First of all, blockchain technology ensures the security of the system. In the absence of a central steward, everyone is a defender of the home, which means that destroying some nodes has no impact on the system at all. Second, the recording process cannot be cheated. Everyone in the blockchain system has the same ledger, and the entire process is open and transparent. The system will determine the final result based on the opinions of the majority. It is difficult for an individual to hack into so many computers at the same time, and it is meaningless to just modify one's own results. Who would do such a thankless task? Third, and most importantly, the blockchain completely abandons the existence of "credit intermediaries". Credit intermediaries are the platforms we must pass through when transferring money, such as traditional banks. Now any two strangers can directly complete mutual trust transfers, and the efficiency has been improved not only a little!
3. What is the use of blockchain technology? ?
As mentioned earlier, the main advantages of blockchain are that it does not require intermediary participation, the process is efficient and transparent, the cost is very low, and the data is highly secure. That is to say, any industry that has needs in these three aspects can use blockchain technology. Here are a few examples:
In the banking industry, the use of blockchain technology is equivalent to updating a digital, secure and tamper-proof General ledger books. In fact, Swiss bank UBS and UK-based Barclays have both started experimenting with it as a way to speed up back-end system functionality and clearing.computing power. Some institutions in the banking industry claim that blockchain may reduce middleman costs by 20 billion.
In terms of car rental, blockchain also has great potential. A future customer selects the car they want to lease, entering it into the blockchain's public ledger; then, sitting in the driver's seat, the customer signs the lease agreement and insurance policy, while the blockchain updates the information simultaneously. This is a foreseeable future for car sales and car registrations.
In terms of medical and health care, blockchain technology allows hospitals, patients and all parties in the medical benefit chain to share data in the blockchain network, and Don’t worry about data security and integrity. This means more accurate diagnosis, more effective treatment, and an improvement in the health system’s overall ability to deliver cost-effective care.
Blockchain is not cold-blooded. It has been implemented in applications that are closely related to our lives. For example, the application of Ant blockchain ranges from public welfare, to mutual insurance, to traceability of product authenticity, to traceability of rental housing.
In 2018, blockchain will "return to the world."
Blockchain, do you really understand it? Since it says three minutes, let’s give a simple answer.
1. What is blockchain;
2. What are the benefits of blockchain;
3. What are the uses of blockchain;
4. Blockchain technology and existing problems;
Let’s first look at the first question: What is blockchain
Let’s look at it literally. Blockchain is called Blockchain in English. This is a very good word. The English name is well chosen and the Chinese translation is also very beautiful.
1. What is a "block"?
You can think of it as a record, or anything, which forms such a record during the production stage. This thing can be any physical or virtual object in the Internet of Everything.
For example, if you generate a Bitcoin, which is a thing, it actually corresponds to a block. This block is a record of what it is.
When you produce a bottle of medicine in the future, a block is actually generated when this bottle of medicine is produced. When it leaves the factory, it needs to be recorded once, and this corresponds to it one-to-one.
This is the first dimension.
To make it easier to understand, for example, each of us is born with a unique identifier, which is our DNA. All species in the world have different DNA. Every individual's DNA is different.
Your parents can name you Zhang San, Li Si, Wang Wu. These names can be repeated, just like a bottle of medicine, whether it is aspirin or penicillin, these can also be named the same. of. However, human DNA is different. Even if you have identical brothers and sisters, your DNA is different, so this is your unique identifier. And once your DNA is formed, it cannot be changed. This is a benefit of the blockchain.
2. What is "chain"? The chain is actually a process. You can think of it as a transaction process. After this bottle of medicine leaves the factory, it enters the warehouse from the workshop and passes through a certain door, and it will record the process.
Of course, this requires automatic computer recording, and the cost of human recording is too high. Then, packing is a process, and transportation to the cargo transfer station is another process. Then it is loaded into a car and transported to the wholesale station, which is the next process.
Every step of the process is recorded. It is a process to go from the wholesale station to the store, it is another process for the people in the store to receive this batch of medicines and put them on the shelves, and it is still a process for you to buy them. Finally, when the whole process is connected, you will have a way to track the entire process of this bottle of medicine and know its authenticity, because once this bottle of medicine is produced, it will be bound to the blockchain, as well as to people and people. The same is true for DNA binding, which cannot be changed, but it can be seen and tested.
The doctor can also determine whether this person is you by testing DNA. So in terms of nature, if we virtualize it, it is actually a smart contract. You have signed a sales relationship with one of your customers. Once this happens, it cannot be changed. Then everyone can only execute it. This execution process is the same as the tracking of drugs I just talked about.
Second question: What are the benefits of blockchain?
1. Mathematically speaking, it is very beautiful. It changes from the past that you had to own something before you could know its properties to that you don’t own it, but you can ask questions Learned many details about it.
Mathematically speaking, this is a perfect asymmetric situation. You can tell whether it's true or false, but you can't change it.
2. Theoretically speaking, blockchain is very safe. For example, if you participate in the process of a bottle of medicine, others cannot see this information. When you buy this bottle of medicine, you can know where it comes from, but others cannot.
For the same reason, for example, if we sign a contract, others can verify the contract. If you go to a bank for a loan, he can ask you the amount.
However, he cannot obtain this contract, and he cannot steal this contract from your computer.
Blockchain also has some interesting properties. For example, a block chain can be divided into two at will, or several can be combined into one, etc.
3. The blockchain is transparent, which means that everyone abides by this algorithm and there is no special agreement in private. So, if you believe in this algorithm, it means you believe in me and believe that I didn't do anything fishy. I will not secretly do anything in the contract to make you suffer losses.
This is a beautiful place theoretically and mathematically.
In the third block, let’s take a look at the uses of blockchain
1. Bitcoin is a cryptocurrency, and the Ethereum currency that everyone uses now is also a cryptocurrency. Of course, you can make another one based on it, either Zhang three coins or Li four coins. As for whether it can replace the currency of the future, this is doubtful.
2. Financing, we used to divide financing into three stages: the first stage is to get a loan from the bank. If you want to open a restaurant, you need to mortgage something. The second stage is that you issue some stocks and I sell 10% of the stocks, so that I can obtain part of the funds.
The third stage is actually crowdfunding. For example, if I want to write a book, it may cost 50,000 yuan for the publishing house to publish it. If any of you can give me 50 yuan at the beginning, I will use it in the future. Once the book is written, give everyone a copy. You will get the book, and of course I will publish it. But there is a problem. For example, I sell this book for 100 yuan and you get it for 50 yuan. What if my book sells very well, assuming I sell 100,000 copies, but you don’t seem to benefit from me? what to do?
Is there a fairer way to measure everyone's contribution? One way is to issue a cryptocurrency (ICO). When the business we do becomes bigger in the future, you can benefit from it.
3. Smart contract, for example, sign a contract. In the future, the smart contract can become like this. All the nodes in the middle are determined when the contract is signed, such as building or decorating a house for you. , your payment must be given to me at any stage of the decoration. If you accept it, no problem, the payment will be automatically given to me.
You can even sign with my supplier, which means that as soon as my money arrives in my account, I will give it to my supplier immediately. This will save many triangular debt problems in the future, including the problem of arrears to migrant workers.
Blockchain can also be used for property registration, car registration, etc. Of course, another great use is gambling. In fact, gambling is the most willing to adopt new technologies because it is closely related to money.
After talking about the benefits of blockchain, let’s take a look at the technology and existing problems of blockchain.
Today’s blockchain is basically the second generation and the first generation. It is the Bitcoin generation. It has many problems. It is not a platform, but is actually a specific application.
The second generation is represented by Ethereum. It is a platform. On this platformYou can issue coins yourself, and it removes the concept of mining machines, so its transaction costs will be much lower. The reason why ICOs are everywhere today is because with Ethereum, you can issue coins. Unlike in the past with Bitcoin, you had to completely copy its formula and copy it again. Today you are on Ethereum. , it is easy to issue your own currency, just like you can easily make your App on the Android operating system today.
There are three problems with Bitcoin transactions
1. The transaction delay is very long. I have asked people who specialize in Bitcoin transactions and the delivery time ranges from two hours to two hours. Days wait, so it is very inconvenient for you to use it to launder money. After the RMB is converted into US dollars, it may fall by 20% in two days, and you will lose 20% of your money.
2. It cannot be distributed. Like Bitcoin, a few people in the early days took away a lot of its shares, so how to distribute it in the future is also a problem. No one understands it clearly, so it is difficult to use it as a currency. a currency. Because if it really becomes a currency that everyone uses, it will be equivalent to the first few people taking away a large part of the world's property.
3. Transaction costs are high. For example, a cup of coffee at Starbucks in the United States costs $2.50 on average. You usually pay money at the counter, and the transaction time is only one minute. If you want to use Bitcoin, you have to wait two hours before you can get your coffee, and the transaction costs are extremely high, the electricity bill alone is $20. In other words, if you pay $2.50 for coffee, the transaction cost of electricity is $20, so this is unrealistic.
Blockchain has high risks. This risk is not only a technical risk, but also a policy risk. In fact, this is also an opportunity. Whoever solves this problem will get the opportunity. Its transaction costs are also very high, so whoever can develop new underlying technologies and reduce this transaction cost will make a lot of profits in the future.
Some people say it is the next generation of the Internet. I don’t agree with this, but it will definitely be a supplement to the Internet. Some people say whether it can subvert the central bank, but this is not certain, because there is no reason why the central bank or these big banks cannot do this themselves, so those who expect it to subvert the central bank may be too happy too early.
Perhaps in the end it was these large financial institutions in the past that used the blockchain to update themselves.
Talk in the vernacular and get useful information!
Literally, blockchain is blocks and chains, and some relationship between them. It is essentially a distributed accounting method and a network database system that cannot be tampered with.
The current development directions include digital currency, payment, smart contracts, defi finance, web3 and so on. It is still in the initial stage of development and is a back-end technology. Most projects are still speculating and financing.
Afghanistan today may be the best proof ofThere is no problem in proving the value of Bitcoin and storing value
Blockchain is not just a technology, it is a way of trust transfer and value transfer, which may have huge potential in the future.
Keywords: block, chain, database, ledger, Afghanistan, currency speculation, value, technology, market
First, what is a blockchain? Blocks and chains are an accounting method and a form of network data storage.
Literally speaking, blockchain refers to blocks and chains. This block actually records the transaction records of the entire network, or the execution process result data of smart contracts, etc.
Every once in a while, the entire network will produce a block. This block records all transfer data, and the blocks need to be connected by some kind of "chain".
This chain is an encryption algorithm. Some information of the previous block is used to calculate and obtain some information of the next block. They are linked together. The latter block can trace back the previous block and needs to be modified. The next block must modify the previous block, all the way to the first block. Regarding the details of these issues, I have written many articles before. If you are interested, you can go back and take a look.
Blockchain is actually an accounting method, or a database storage method. Please pay attention to what I say below. The whole process is the operating mechanism of blockchain.
Each node in the entire network has the same status and runs the same program. This program is used to collect, encapsulate and package all transaction record data records that occurred in the entire network within a period of time. Then broadcast it to the entire network
Let’s take Bitcoin as an example. Once this packaging and encapsulation is completed, you can obtain the right to produce the block. A certain amount of Bitcoin can be issued every time a block is produced. Since the nodes in the entire network run the same program, there is no center to control everyone. Therefore, the currency issued is irrevocable and cannot be changed.
How to decide who has the right to make a block? This requires the use of the so-called consensus mechanism, which is to establish a rule and use who produces the block as the benchmark to solve the problem of network consistency. The mainstream consensus mechanisms include POW mechanism and POS mechanism. Proof of work and proof of stake. Proof of work, who does more work, and proof of equity, who stakes more assets
Pow means that everyone calculates a difficult mathematical problem together, whoever calculates it Whoever comes out has the right to produce the block. Pos means that everyone takes out their family assets as mortgage, and whoever mortgages more. It is possible to be selected as a block producing node.
The essence of this approach is that you have to pay a certain price and receive a certificate of investment, which essentially builds a kind of trust.
When all these tasks are completed, a block can be produced, and the block will be connected to the previous block one by one. This is the entire district.block column. Note that the entire blockchain world will produce many blocks, connected to one chain after another, but everyone only recognizes the longest chain, and short chains will be discarded.
To put it simply, each network node uses a program to package transactions within a period of time, and then connects the transaction blocks one after another and saves them in each node, but an encryption algorithm will be used in the process. Ensure that node information is not leaked, ensure that user information is encrypted, and ensure that the information in the block is not hacked or tampered with
Second, the block The current development of the chain, various projects and significance, at this stage are more about currency speculation, and there is no problem with value storage.
Blockchain has been developing for twelve or three years since the Bitcoin white paper in 2008. It has also experienced various evolutions and developments.
For example, now it has gone from being able to issue currency in a distributed way to now having huge functional expansion. The landmark event is the birth of the Ethereum smart contract.
I have explained many times that a smart contract is an automated contract signed by two or three parties. It will be automatically executed as long as the conditions are met. It is essentially a program with infinite possibilities and the judge in the blockchain world. Various functions can be input into the program, and the program exists. Blockchain has become rich and colorful.
Current blockchain applications mainly include the following aspects: smart contracts, payments, cross-chain assets, oracles, defi, web3 storage, etc. I will briefly mention two. Let’s take an example and talk about its commercial application.
For example, defi applications are quite popular on Ethereum now. Defi is decentralized finance. Abbreviation for decentralized finance.
What does it probably mean? It is to move all financial-related businesses in real life, such as mortgages, insurances, and loans, onto the blockchain.
This field is very popular now, and the reason is simple. It is very suitable for blockchain. As I said, a smart contract on the blockchain is a contract. If the contract conditions are met, execution can be automatically triggered.
In the past, it might have been very troublesome for you to go to the bank to apply for a loan. You had to sign various signatures and verify them, and the bank might not be open on weekends and nights
But with blockchain The network operates 24 hours a day. If you want to run various assets on it and do various mortgage transactions, you only need to click and there is a software terminal.
Of course, the real assets will be frozen in the process and mapped to virtual assets. After the transaction is completed, they will be exchanged for real assets. Cross-chain technology and oracle technology may also be used in this process, which I have written in detail in other articles.
It probably means cutting off banks through decentralization and direct point-to-point transactions, ensuring the security of transactions.All guaranteed through blockchain technology, code and cryptography.
There is also the current web3 storage class. For example, the leading project fil. His vision is to take out all the scattered hard drives. Break all the data and information that need to be stored on the network into small pieces
and then distribute them to the entire network. When we want to use network data in the future, we no longer need large network database or server. In this way, Internet giants cannot charge high service fees. There is no way to maintain a monopoly.
If you want to obtain stored information, just take a taxi online like dd. You pay for a taxi, so that information on the Internet can flow freely. Costs will drop significantly.
Of course, these visions are grand and huge, and the current blockchain development is still in its early stages. There are still some technical difficulties to be overcome and some underlying systems to be established, but there is no problem in this direction.
The original digital asset projects like Bitcoin have now been proven to be very safe. Just like this situation in Afghanistan, the first thing that comes to my mind is Bitcoin. He is the first violent and unplunderable asset.
Your house may be occupied and blown up, and your gold may be robbed. And if you have Bitcoin, it's much easier. He can't snatch this thing away, because the mnemonic phrase and private key are in your mind, and he doesn't even know whether you have this thing in your mind. If you want to pass it on to your child, just ask him to memorize the key and mnemonic phrase.
It is precisely because we are now in a stage of financing and bubbles that all the news you see on the Internet is still speculation.
Also, this thing is a back-end technology. For example, Guangdong Province already has blockchain invoices. For example, there are already some blockchain apps for judicial certification, but for the front-end For you, you can't feel it. There is an extra string of hash codes on the invoice, can you tell the difference?
This is why when it comes to blockchain now, everyone is speculating on coins, but in fact it has certain applications and future technical logic.
Third, it is essentially a mechanism of trust, a method of value transmission, and an exploration of social governance methods.
What is the essential value of blockchain? The most important thing is that it is a way of credit transfer. Because there is enough credit, real-life assets and property values can be spread on the Internet in the form of information codes.
Mainly in these aspects.
First, before Bitcoin, people did not know how to protect a piece of information, because information on the Internet can actually be copied. Bitcoin solves the problem of uniqueness of information assets. With scarcity, there is value in transactions and storage.
The second is decentralization and deintermediationchange. We used to do everything. All require some kind of intermediary. For example, when you borrow money, a bank acts as an intermediary, and when you buy a house, various institutions and real estate agencies act as intermediaries.
You cannot buy or sell directly. Because you don't have enough credit. We usually come to find a third party, but the third party is usually made up of people and may also do evil.
For example, the master who could whip five lightning whips a while ago. If he calls you all kinds of names at the beginning, you may be frightened. You won't know he is a liar until he is punched and lying straight there. This is human credit, which is unreliable
Blockchain ensures credit through code, cryptography, and consensus mechanisms. We no longer need a powerful third party. Note that this third party will often become a monopoly boss.
The third is to reduce the cost of coordination, communication and entry barriers.
If we want to become richer, we need to trade in the market. And transactions require coordination and division of labor. Essentially, the companies and organizations we work for are intermediaries.
You have to integrate your resources through this kind of intermediary, transform your labor force, your brainpower, and your ingenuity into final products and sell them on the market.
The smart contract technology of blockchain technology can break up these contracts in a decentralized manner. People in the market can combine freely to establish a new type of organization that is completely transparent and cannot tamper with the rules, which is a blockchain autonomous organization. The future of this kind of organization may be more promising than that of ordinary joint-stock companies.
You can join or quit an organization at will, and the trust between you and others has been resolved. You can cooperate with others and sign smart contracts to complete joint collaboration and complete a certain product. We no longer have to worry about some big capitalist taking advantage of everyone and getting the bulk of the profits.
So the Bitcoin blockchain is essentially a big social experiment, through the consensus mechanism, the decentralized decision-making method, and the distributed signing of smart contracts. Gradually and completely change the original appearance of our society. Restore the original ideal of market economy, peer-to-peer, direct transactions between people.
To summarize. Blockchain is a block of information connected together through an encryption algorithm. It is essentially an accounting method and a network data structure
Through decentralization, you can do finance, storage, and decentralize many things, but now it is still very In the initial stage, most projects are still in the stage of speculation, financing and concept development.
The value storage capability of the blockchain has been proven to be problem-free, very safe, and cannot be plundered by violence.
The essence of blockchain solves the problem of credit intermediary and can also reduce the cost of people working together.The cost of working together will lower the threshold for enterprise entry, improve the efficiency of society, make society's transactions larger, and make us richer.
I recommend the book linked below, it is easy to understand. Like You Pump tells the history of the birth of blockchain, the underlying technical logic of blockchain, and some mainstream projects. Learn some knowledge about blockchain, feel more at ease, and no longer worry about whether it is a scam.
④ Is the risk of a blockchain crowdfunding platform like ico365 high? How is it different from traditional crowdfunding platforms?
Any crowdfunding project is a An investment product with a very high risk rate.
Blockchain project crowdfunding platforms are essentially the same as traditional equity crowdfunding platforms.
It can be said that blockchain project crowdfunding is a subcategory of equity crowdfunding.
Equity crowdfunding is subject to legal and regulatory restrictions, with restrictions on the number of investors and the amount of investment. Investors also need to undergo investment review. The cost and threshold for ordinary people to participate are relatively high, and the target group is high-net-worth individuals.
Equity crowdfunding has poor liquidity, and it often takes a long time to exit, and even most of the investment in projects seems to be in vain.
Blockchain crowdfunding is a bit similar to universal crowdfunding, because its crowdfunding funds are settled in Bitcoin and are not regulated by laws and regulations. Therefore, there are no excessive requirements on the number of people and investment amount. The investment cost is low but the threshold is relatively high.
Since blockchain projects are based on the underlying technology of Bitcoin, it is difficult for ordinary people to understand it. In fact, it can simply be regarded as a technical method of distributed collaborative work.
There are relatively few successful blockchain projects in the market, so there is no unified reference standard, and projects are completely dependent on personal judgment. Settlement is done in Bitcoin, so if you need to participate, the requirement itself is to accept the high-risk threshold of digital currencies. (There are many projects that cheat money)
Blockchain crowdfunding has good liquidity. Basically, after the so-called "tokens" appear, you can completely withdraw from the transaction. The risk of fluctuation is also very high.
Of course, as a technology being studied by the central bank, blockchain projects deserve attention, but caution is also required. As for the ico365 platform, it is recommended that individuals make their own decisions. The new platform has no reference basis for evaluation.
⑤ What is the development trend of blockchain and the future development trend of blockchain
The development prospects of the blockchain industry are broad driven by the dual layers of policy and market
The dual layers of policy and market Driven by the epidemic, China's blockchain-related industries are expected to move from reality to reality
In the context of the rapid development of blockchain, China conforms to the needs of globalization, keeps up with international pace, and actively promotes research and standardization in domestic blockchain-related fields. formulation and industrial development. Compared with the background of increasingly strict regulation of digital currencies such as Bitcoin, support and encouragement for blockchain technology has reached a global consensus, and domestic regionsBlockchain technology will also receive national and local policy support in the next few years. Driven by the dual layers of policy and market, blockchain-related industries are expected to move from reality to reality, and blockchain technology will accelerate the exploration of possible application scenarios.
Forecast of global blockchain market size
According to the "In-depth Analysis Report on Business Model Innovation and Investment Opportunities in the Blockchain Industry" released by the Qianzhan Industry Research Institute, the global blockchain market size is expected to increase from 2017 to 2017. It will increase from US$411.5 million in 2022 to US$7.6837 billion in 2022, equivalent to a compound annual growth rate of 79.6%. Given the wide range of applications for distributed ledgers and the rising market value of cryptocurrencies, there is a strong need to improve transparency, security, efficiency and streamline processes, as well as blockchain as a service (
BaaS). As a hot topic of development, the blockchain market will expand rapidly. In addition, communication services, international trade, supply chain management, program platforms, payments, smart contracts, digital identity verification, etc. also urgently need blockchain technology and will create a large number of growth opportunities.
Blockchain, as an integrated application of distributed data storage, point-to-point transmission, consensus mechanism, encryption algorithm and other technologies, has become a hot topic of research and discussion by international organizations such as the United Nations and the International Monetary Fund as well as many national governments in recent years. The industry has also increased investment. At present, the application of blockchain has extended to many fields such as the Internet of Things, intelligent manufacturing, supply chain management, and digital asset transactions, and will bring new opportunities to the development of new generation information technologies such as cloud computing, big data, and mobile Internet. , has the ability to trigger a new round of technological innovation and industrial change.
By 2022, the payment sector may occupy the largest share of the blockchain market
Relying on blockchain technology, instant payment of assets can be realized, which not only has the characteristics of non-tampering and digital identity verification, but also can provide Financial institutions and banks significantly save settlement costs. In addition, blockchain makes it possible to automate payments, eliminating the need for middlemen, saving labor costs and time for buyers and sellers. Thanks to the many advantages mentioned above, it is expected that the payment sector will be the most important segment in the entire blockchain market.
The fastest growing region will be Asia-Pacific
Blockchain service providers in the Asia-Pacific region are good at designing and developing user-friendly, cost-saving, and fast cryptocurrency platforms, extending blockchain to multiple Industry application tentacles. Both large enterprises and small and medium-sized enterprises are actively seeking venture financing and investing in the research and development of cutting-edge blockchain technology. In addition, the real estate industry in some countries in the Asia-Pacific region is expected to rapidly transform from semi-transparent to fully transparent, which will also help enhance the development prospects of blockchain in the Asia-Pacific region.
⑥ 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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The present invention belongs to the field of crowdfunding, and in particular relates to 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, used by donors to use digital currency to donate to patients’ crowdfunding accounts;
Blockchain module, used Used to record data information in the crowdfunding process;
The processing module is used to establish a crowdfunding account in the blockchain module for patients whose crowdfunding information has passed the review, and after the fundraising deadline Convert the funds in the crowdfunding account into cash flow and remit it to the patient's bank account based on the current currency exchange rate; and use it to transfer the patient's crowdfunding information, donor's donation information and remittance to the patient's bank account The remittance information is recorded in the blockchain module;
The query module is used for queryers to view 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;
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 the patient’s Crowdfunding information is recorded on the blockchain module;
Publish and promote the approved crowdfunding information;
Donors use digital currency to donate funds to the patients. The crowdfunding account makes a donation, and the crowdfunding platform records the donor's donation information on the blockchain module;
After the patient's fundraising ends, the crowdfunding platform will convert all donations based on the current currency exchange rate. The funds in the patient's crowdfunding account are converted into cash flow, and the cash flow is remitted 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. Donors.
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 currency are accepted, thereby allowing digital currency 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 implementation of the present inventionFor example, 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 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 there are problems such as incomplete data, incorrect data or falsified data in the crowdfunding information, the crowdfunding information will be Dismiss 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; Transaction(tx)Write 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 returned 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 one or more of app promotion, mini program promotion and circle of friends promotion.
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.
Based on blockchainThe crowdfunding method also includes: the whistleblower reports the crowdfunding information released by the patient; the crowdfunding platform verifies the crowdfunding information released by the patient based on the whistleblower's reporting information, and if the report is true, the crowdfunding platform will be cancelled. information and return the donation in the patient’s crowdfunding account 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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⑦ What are the application scenarios of blockchain?
I saw a lot of information about blockchain on the soon-to-be-launched blockchain. Blockchain will transform the information Internet into a value Internet. At the same time, Kuaishanglin has accumulated a lot of experience in these technologies and has made great efforts in Internet finance. Go online soon. Through research, it is concluded that blockchain will greatly improve the current life scenes. In which scenarios blockchain can be applied, I will list some answers here for reference only:
1. Information anti-counterfeiting
2. Food safety issues
p>3. Information Security
1. Identity Protection
2. Data Integrity Protection
3. Critical Infrastructure Protection
IV. Financial industry
1. Digital currency: improve the convenience of currency issuance and use
2. Cross-border payment and settlement: realize point-to-point transactions and reduce middlemen Fees
3. Bills and supply chain finance business: reduce human intervention, reduce costs and operational risks
4. Securities issuance and trading: achieve quasi-real-time asset transfer and accelerate transaction clearing speed
5. Customer credit reporting and anti-fraud: reduce legal compliance costs and prevent financial crimes
6. Equity crowdfunding: built on the blockEquity crowdfunding on chain technology macros can achieve decentralized trust and investors’ returns are guaranteed.
5. Bu Tuanzhu Supply Chain Management
6. Government Affairs Management
1. Elections
2. Government Services
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