区块链第三方支付机构有哪些,区块链第三方支付机构是什么

区块链第三方支付机构是指以区块链技术为基础，为用户提供支付服务的机构。它可以帮助用户实现从一个地区或者国家到另一个地区或国家的跨境支付。

目前，区块链第三方支付机构有很多，比如Coinbase，BitPay，Ripple，Circle，BitGo等。

其中，Coinbase是一家由联合创始人Brian Armstrong、Fred Ehrsam和Y Combinator创始人Paul Graham于2012年创立的美国金融科技公司，致力于为客户提供安全可靠的比特币购买，出售和存储服务。Coinbase提供的支付服务和财务管理工具，可以帮助用户实现从一个地区或国家到另一个地区或国家的跨境支付。

BitPay是一家区块链支付服务提供商，可帮助商家和消费者安全地接受和发送比特币支付。它可以将比特币转换为美元，欧元，英镑或其他货币，以便商家可以放心接受比特币支付，而无需担心比特币价格的波动。

Ripple是一家专注于跨境支付的科技公司，它利用区块链技术，提供高效，安全，可靠的全球支付服务。它拥有一个分布式网络，可以在全球范围内支持实时的跨境支付，支持多种货币，包括美元，欧元，英镑，人民币等。

Circle是一家跨境支付服务提供商，提供比特币，以太坊，USDC和USD Coin（USDC）等加密货币的支付服务。它支持多种货币，可以支持跨境支付，支持实时转账，安全可靠，收费低廉。

BitGo是一家专注于安全，可扩展的区块链支付服务提供商，为用户提供安全，可靠的比特币支付服务。它支持多种货币，可以支持跨境支付，支持实时转账，收费低廉，具有高度安全性和可靠性。

以上就是区块链第三方支付机构有哪些以及区块链第三方支付机构的功能，其中Coinbase，BitPay，Ripple，Circle，BitGo等都是目前比较知名的区块链第三方支付机构，它们都可以提供安全可靠的支付服务，帮助用户实现从一个地区或国家到另一个地区或国家的跨境支付。

Ⅰ What is blockchain

Explanation of "China Blockchain Technology and Application Development White Paper 2016": Broadly speaking, blockchain technology is a A data structure to verify and store data, use distributed node consensus algorithms to generate and update data, use cryptography to ensure the security of data transmission and access, and use smart contracts composed of automated script codes to program and operate data. A new distributed infrastructure and computing paradigm.

To put it more concisely: Blockchain is essentially a decentralized distributed ledger database. It itself is a series of data blocks generated using cryptographic correlation. Each data block contains information that is validly confirmed for multiple Bitcoin network transactions. Without a center, each node in the data storage will replicate the entire ledger synchronously, making the information transparent and difficult to tamper with.

For example, in online shopping transactions, the traditional centralized processing process is that the buyer purchases the goods, transfers the money to a third-party payment institution (such as Alipay), the seller delivers the goods, the buyer receives the goods and After confirmation, the payment institution will transfer the money to the seller's account. The transaction model of the blockchain is: direct transactions between buyers and sellers, which can be completed without the need for a third-party intermediary platform.

Ⅱ Digital RMB is connected to Alipay

Comprehensive report of this newspaper

The pace of digital RMB is getting closer.
On May 8, the Digital RMB App was updated, and the "MyBank (Alipay)" in the wallet operating organization has become available. In other words, MYbank has become the seventh bank to participate in the public test after the six state-owned banks of Industry, Agriculture, Bank of China, Construction, Communications and Postal Savings Bank.
In this regard, some analysts believe that the previous tests were mainly conducted by the six major state-owned banks and did not involve third-party payment institutions. Now, MYBank (Alipay) can participate as an operating institution, indicating that the pilot subjects, pilot scenarios and scope of digital renminbi may change greatly in the future.
Digital RMB opens up Alipay channels
Recently, Alipay App has launched a digital RMB module for some users. Test users who have entered the Alipay whitelist can see the "Digital RMB" module in the "My" column in the Alipay App, alongside Huabei, bank cards, etc.
Click on the "Digital RMB" module and enter your name and other information according to the instructions to register the MYbank digital RMB wallet. You can choose "real name use" or "anonymous use" for this wallet, but an Alipay account is required. Only one wallet can be opened. Once registration is complete, each wallet will receive a unique wallet number.
This wallet has services such as "transfer in" and "transfer out". The transfer out function can support the transfer of digital renminbi to bank savings cards, while the "transfer in" function allows funds to be transferred from a savings card to digital renminbi. wallet. However, it is understood that Alipay’s digital RMB wallet currently only supports binding with ICBC, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, and Post Office.Debit cards from 6 banks including China Central Bank and MYbank.
It is worth noting that this time Alipay’s digital RMB wallet also supports user transfers, collections and other services. Among them, the transfer method can support "wallet number transfer" or "mobile phone number or email address transfer." That is to say, when transferring money, enter the other party's wallet number, or the other party's mobile phone or email information to complete the transfer. The payment is made through QR code, and the maximum amount of payment can be set.
At the same time, three sub-wallets of Ele.me, Hema Fresh, and Tmall Supermarket have been added to the digital RMB wallets of the six major state-owned banks, namely Industry, Agriculture, China, Construction, Communications, and Postal Savings Bank, indicating that digital RMB has officially opened up the Alipay channel. .
Industry experts analyze that this means that the digital RMB wallet has opened up the mainstream payment interface with the Internet payment platform.
Data shows that as the largest third-party mobile payment platform in China, the Alipay application connects more than 80 million merchants and more than 2,000 financial institution partners and more than 1 billion users in China, penetrating all aspects of life.
The integration of digital renminbi into Alipay will be a good start.
In addition, in the digital RMB App, WeBank, another operating institution, is not yet online. However, some industry insiders said that Tencent is also making intensive internal preparations, and WeBank-related wallets may also be launched soon. Previously, the relevant person in charge of Tencent revealed that Tencent has been deeply involved in the design, research and development, operation and other work related to digital renminbi to provide support for the implementation of digital renminbi projects.
Scenario expansion, many uses
Digital RMB has accelerated in recent years, and pilot scenarios have continued to expand.
At present, digital RMB has been piloted in many cities. By October 2020, six pilot areas for digital RMB have been added: Shanghai, Hainan, Changsha, Xi'an, Qingdao, and Dalian. In addition to the previous pilot areas such as Shenzhen, Suzhou, Xiongan New Area, Chengdu and the Beijing Winter Olympics venue, the digital renminbi pilot has formed a "10+1" pattern.
In addition to expanding the scope of pilot projects, the usage of digital renminbi is also constantly updated, including red envelopes, full discounts, offline to online, from scanning on mobile apps to touching wallets... digital renminbi has covered life Payment, transportation, catering, shopping and government services.
From May 7th to 10th, the first China International Consumer Goods Expo was held in Hainan. The digital RMB was unveiled at the Consumer Expo and can already be used in duty-free shops. At the Consumer Expo, many banks launched a special area for digital RMB experience activities. Participants used mobile phones, visual chip cards and other hardware wallet carriers to experience drinking poplar nectar, freshly ground coffee, and hot drinks for 0.9 yuan. Experience novel gashapon and other consumption scenarios.
During the May Day holiday, Suzhou also organized a digital RMB red envelope event for the “May Day Shopping Festival” and distributed a total ofabout 10 million yuan.
Experts believe that the access to Alipay this time is a good promotion for the digital renminbi: on the one hand, the early pilots relied on the enthusiasm of traditional state-owned banks to find suitable pilot scenarios, but traditional banks are struggling in payment There is not much advantage in the field, especially in the field of mobile payment, and the promotion mechanism also needs to be further improved; on the other hand, after MYBank joins, it can use its advantages in e-commerce, mobile payment, financial technology and other fields to explore more digital renminbi. The broad application scenarios play an important role in promoting the promotion and application of digital RMB.
More institutions seek business opportunities
At present, the “two-tier operating system” of digital renminbi has been basically established. As the first layer, the central bank is responsible for the production of digital renminbi; and a total of 8 banks, including the six major state-owned banks and two Internet banks, MYbank and WeBank, form the second layer, which is the "exchange operation agency" of the digital renminbi. ”, responsible for exchanging digital renminbi to the public.
In addition to the above eight digital RMB operating institutions, other banks and institutions are also actively preparing for digital RMB wallets. According to the central bank's design, in addition to "exchange operations agencies", there are also "circulation service agencies", which define their position as "layer 2.5".
Some people in the industry said that according to the official definition of digital renminbi, there is no concept of "layer 2.5". But compared to the eight banks that have become operating institutions, these institutions are also a key part of the future promotion of digital renminbi. They do not directly exchange digital renminbi with the central bank, but they also provide wallets for the public to use digital renminbi, which is sandwiched between eight operating institutions and the public, so it is called "2.5 layer" in the industry.
"Such institutions include banks other than the eight operating banks, as well as software and hardware scene developers such as Bilibili, Meituan, Huawei, Lakala, and support institutions for various software and hardware wallets. "A digital renminbi industry insider said that these institutions mainly provide usage scenarios and services for digital renminbi.
Currently, many “2.5-layer” institutions are actively preparing for digital renminbi and regard digital renminbi as an important development opportunity in the future.
Change means business opportunities. Some people in the digital renminbi industry believe that on the one hand, the commercial value of digital renminbi may be reflected in the scenario side in the future, and compared with traditional payment scenarios, smart contracts may become a potential profit point for digital renminbi in the future. On the other hand, cross-border may also be a breakthrough for the commercialization of digital renminbi in the future.
Combining new technologies and scenarios such as blockchain to form a value network will become an important starting point for embodying the commercial value of digital renminbi in the future. "For example, in the field of cross-border e-commerce, if digital currency, digital renminbi and value chain software digital supervision can be combined during the railway logistics transportation process in Central and Eastern Europe, there will be opportunities to form new business forms. If this can be achievedIntegrating asset digitization and digital monetization, payment is settlement, is the real value of digital RMB. ” Industry insiders said.
However, some industry insiders believe that from the current point of view, the digital renminbi still does not have a clear business model, and various institutions are also looking for possible profit models, but it is not expected that such a profit model will It will be formed and mature in the short term. After all, the testing of digital renminbi is still ongoing, and there is still a long way to go before large-scale promotion.

Ⅲ What is the difference between digital currency and third-party payment

1. Digital currency is authoritative. The essence of digital currency is a kind of legal currency, which is exactly the same as banknotes and coins, but the presentation mode is different. Therefore, the effectiveness of digital currency is endorsed by the state. In contrast , third-party payment methods rely on commercial banks and financial institutions, and are not as authoritative as digital currency.
2. Digital currency has the function of dual offline payment. Digital currency transactions do not need to be connected to the Internet, it is stored locally in electronic wallets (such as mobile phones) ), through Bluetooth, NFC and other methods, dual offline transfers can be achieved even without a network. Mobile transfers are as natural as cash transactions. Third-party payment is a third-party payment institution that transfers money through banks , the currency is not stored in the mobile phone, and cannot be paid offline.
3. Digital currency is safer. Digital currency relies on blockchain technology and is traceable. Suppose that if you are defrauded and transfer the money Get out. Relevant institutions can trace the whereabouts of the currency and recover the money, and due to the official nature of digital currency, only the government has the power to track the whereabouts of the money. In contrast, with the current third-party payment methods, relevant companies can legally Obtain user data under the premise.
4. Digital currency is a digital manifestation of currency and is essentially still the legal tender of our country. Therefore, it is illegal to refuse to accept digital currency; while organizations and individuals refuse to use Alipay or WeChat for payment, There are no legal problems.
Extended information
1. What is the difference between digital currency and cash and bank deposits?
1. Digital currency is also a type of legal currency. Other forms of legal currency mainly include cash and Bank deposits are issued by the central bank and are based on government credit endorsement.
2. Compared with cash, the biggest difference between the two is the form. Cash is mainly composed of banknotes and coins, while DCEP is digital. It also determines that DCEP is simpler in the settlement process and faster in transaction speed. In addition, DCEP transactions will leave traces, but cash can achieve completely anonymous transactions.
3. Compared with bank deposits, DCEP and bank deposits are both It is a digital legal currency, and there is not much difference in transaction speed. Bank deposits are endorsed by commercial banks, while DCEP is endorsed by the government. In addition, bank deposits are completely real-name, but DCEP can achieve conditional anonymity.

Ⅳ Leading the era of blockchain payment - PCK public chain opens a new era of global digital payment

InternetThe birth of mobile broadband and mobile broadband has enabled billions of people around the world to access knowledge and information from all over the world, enjoy high-fidelity communications, and a variety of lower-cost and more convenient services. Nowadays, these services can be used in almost every corner of the world with just a 500 yuan smartphone.

Although the Internet has brought many conveniences, there are still many people in the world who are not connected: 1.7 billion adults have not been exposed to the financial system and cannot enjoy traditional financial services provided by banks. One billion of them have mobile phones, and nearly 500 million have access to the Internet.

In contrast, blockchain payment has many unique advantages and is a potential way to solve the high threshold and credibility problems of financial services. These advantages include: distributed management, ensuring that the network is not controlled by a single entity; open access, allowing anyone with an Internet connection to participate; and secure encryption technology to protect funds.

Existing traditional payment channels lack scalability and currency volatility, which not only prevents them from being widely used in the international payment market, but also results in the underperformance of such currencies as medium of exchange properties. good.

Because of this, the PCK international payment public chain was born under the opportunity of the times.

We believe that by combining the essence of blockchain-based technological innovation (including distributed management, open access and security) with a reliable compliance management and regulatory framework, PCK will bring more Advantageous payment solutions.

The emergence of blockchain payment has promoted the development of international e-commerce. In turn, the development needs of e-commerce have also prompted the continuous reform and innovation of blockchain payment. Blockchain payment has become a top priority in the modern financial services industry. It is not only the driving force for the rapid development of the Internet economy, but also provides support for the rapid development of the economy. The emergence of the PCK payment public chain not only fills the gap in banking service functions in this area, but also performs very well in improving the efficiency of financial transactions. It is an effective source of power to improve the financial system and improve financial functions.

In the PCK ecosystem, the merchant side, channel side, settlement side, and account side are all co-builders, maintainers and certifiers of the project ecology. The four can jointly control the third-party payment field. Provide services to establish a disruptive third-party payment ecosystem.

The PCK payment public chain believes that the payment behavior itself has a certain value, so we hope to apply the modern management organization theory to the blockchain miner economy through reasonable incentive and punishment mechanisms (token consensus) , allowing the various co-builders of the payment ecosystem to spontaneously form an efficient decentralized organization. The issuance of PCK will stimulate the accumulation and circulation of services in the entire ecosystem, and establish a huge payment service ecosystem.

At the same time, PCK is an innovative third-party mobile payment blockchain model solution. PCK can simultaneously meet the needs of security, real-time, high concurrency, and decentralized instant payment, and provide support for small-amount payments and micro-payments. The scenario is configured with fully optimized solutions.

The compliance and security of the PCK payment public chain will benefit developers, merchants and consumers. We believe that working with financial institutions and experts from various industries to innovate technology is the only way to ensure a sustainable, secure and trustworthy support framework for this new system. This move can achieve a huge leap and move us towards a global digital financial system with lower cost, lower threshold and closer connection with PCK payment public chain!

Leading the era of blockchain payment - PCK public chain will open a new era of global digital payment!

IV What is FXTM

According to the "Notice on Strictly Investigating and Punishing Illegal Foreign Exchange Futures and Foreign Exchange Margin Trading Activities", any unapproved institution that conducts foreign exchange margin trading without authorization will be subject to All are illegal acts. The People's Bank of China, the China Banking and Insurance Regulatory Commission, the China Securities Regulatory Commission, the State Administration of Foreign Exchange and their branches have not approved any institution to carry out or carry out foreign exchange margin trading business in my country. Third-party payment institutions are not allowed to provide online platforms that engage in foreign exchange margin trading. Payment and settlement services.
99% of overseas foreign exchange and futures platforms under the banner of foreign exchange investment such as exness, They all end badly! In fact, formal European and American foreign exchange and futures platforms that are regulated by the British FCA, Cyprus CySEC, the American NFA, and the European Securities and Markets Authority ESMA have very strict leverage restrictions in order to protect investors, and can only allow a maximum of 30 times leverage operations. In this way, most investors are also at a loss. For Chinese illegal foreign exchange deposit online gambling fraud platforms such as Exness, Click to liquidate the position, count more money when losing money, and count less money when making profits, limit withdrawals, and disconnect the card at critical moments. Many people start with a small amount of money and slowly fall into gambling addiction. In the end, they end up bankrupt, heavily in debt, broken up in their families, and separated from their wives. Everyone must be careful not to fall into such illegal foreign exchange deposit online gambling fraud platforms!

VI What is the Bixuntong payment platform?

Bixuntong is a third-party payment platform for cross-border payment developed with blockchain technology, similar to Alipay and WeChat, but different Developed by Bixuntong blockchain technology, it is also a digital currency trading platform, a financial management and investment platform, and a platform that provides full return on consumption.

Now people in many countries are using thisIt is a very good platform for financial management and consumption. This is still in the promotion stage, such as the earliest Alipay promotion. The promotion stage is a good opportunity to invest and make money. It will be the same as the previous Alipay promotion stage and will create countless rich people.

(6) Extended reading on blockchain third-party payment institutions

Principles of payment platforms:

In addition to online banking and electronic credit cards In addition to other methods, there is another way that can relatively reduce the risk of online payment, and that is the rapidly developing payment model and payment process using third-party institutions, and this third-party institution must have a certain degree of integrity. In actual operation, this third-party institution may be the bank itself that issues the credit card.

When making online payments, the disclosure of the credit card number and password is only transferred between the cardholder and the bank, reducing the risks caused by the transfer through the merchant. Similarly, when the third party is an institution with good reputation and technical support capabilities other than the bank, the payment is also conducted between the cardholder or customer and the bank through the third party.

The cardholder first transfers the account information to a third party in the form of some electronic data (such as email) that replaces the bank account number, which avoids the cardholder from directly disclosing the bank information to the merchant. In addition, it is not necessary. Instead of logging into different online banking interfaces, you can see the relatively familiar and simple interface of a third-party institution every time you log in.

Relevant agreements have been signed between third-party institutions and major banks, allowing third-party institutions and banks to conduct some form of data exchange and related information confirmation. In this way, third-party institutions can establish a payment process between the cardholder or consumer and each bank, as well as the final payee or merchant.

Ⅶ What is blockchain technology and how does it change business and financial models

Blockchain technology is a distributed ledger technology that allows Multiple participants work together on a decentralized network to maintain a secure, transparent and immutable record. Blockchain technology was originally designed for the digital currency Bitcoin, but is now widely used in many other fields.

The core features of blockchain technology include:

Decentralization: Blockchain has no central control agency, and data is distributed on various nodes in the network, which makes it decentralized. The centralization feature reduces the risk of single points of failure.

Transparency: Transaction records on the blockchain are public to all participants, and anyone can view these records. This helps increase trust and reduce the risk of fraud.

Immutable: Once a transaction is recorded on the blockchain, it cannot be easily modified or deleted. This guarantees data integrity and security.

Smart contracts: Transactions on the blockchain can be automatically executed to implement "smart contracts", which automatically execute corresponding operations when specific conditions are met. This helps simplify complexstreamline business processes and reduce costs.

Blockchain technology has had a profound impact on business and financial models, which is mainly reflected in the following aspects:

Reducing costs: Blockchain technology can reduce intermediary links and reduce costs. Transaction costs and operating costs. For example, by adopting blockchain for cross-border payments, remittance fees can be significantly reduced.

Improve efficiency: The automation and smart contract features of blockchain technology help improve the efficiency of business processes, reduce manual intervention, and reduce error rates.

Enhance trust: The transparency and non-tamperability of blockchain technology help to establish a reliable trust system, reduce the risk of fraud, and provide better protection for business activities.

Innovative business models: Blockchain technology has spawned many new business models, such as decentralized finance (DeFi), digital asset trading, supply chain finance, etc. These new business models have brought disruptive changes to existing industries.

In short, blockchain technology, as an emerging technical means, is gradually changing the landscape of business and finance. With the continuous development of technology and the in-depth promotion of applications, blockchain is expected to have a more extensive and far-reaching impact in the future