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『一』 How blockchain technology is applied to WeChat and Alipay

The sending and receiving of blockchain technology assets also follows the trend of QR code payment, allowing scan-code payment Combined with blockchain digital assets. Judging from domestic and foreign development trends and the evolution path of blockchain technology, the development of blockchain technology and applications requires new generation information technologies such as cloud computing, big data, and the Internet of Things as infrastructure support. At the same time, blockchain technology and applications Development plays an important role in promoting the development of the new generation of information technology industry.

『二』Is 2017 the first year of blockchain technology?

It’s hard to say. It may be, it may not. The reasons are as follows:
1. Comprehensive The layout is coming
As people’s misunderstandings about blockchain technology gradually dissipate, we will see the full deployment of blockchain technology in the financial services, insurance and medical industries next year.
Blockchain technology will disrupt our payment system on an international scale - old profit models and other processes will become obstacles, while payments will become faster, cheaper and more secure.
But as blockchain becomes more mainstream, we can no longer ignore the major obstacles facing its development. For example, the banking industry must develop a clear roadmap for blockchain adoption and collaborate on the basis of global standardization.
2. The standardization process is about to begin
As blockchain becomes more and more widely used, it will become extremely important to establish standardized methods for each other. But there are complex and political processes that get in the way - with industry groups having conflicts of interest and companies trying to gain a clear advantage.
With the implementation of various blockchain solutions, we will see that the situation will shift towards a process of standardization and integration. Organizations that once competed with each other have gradually realized the benefits of union, and have begun to accelerate the trade process and strengthen Detect and optimize data management.
In 2017, there may only be a few viable blockchain consortiums left, but industry players will have to collaborate and agree on a flexible and universal open logo. Governments and regulators will also play an important role in protecting consumers and encouraging innovation.
Stakeholders pushing for the development of blockchain standards will need to be creative and envision a future where these standards can be leveraged to create new and powerful tools.
3. FinTech is accelerating its development
FinTech is bringing about huge changes, from simple payments to complex global financial operations, everything is being disrupted by it.
In-depth changes expected to occur next year include:
Blockchain combined with machine learning will accelerate existing processes and optimize efficiency;
Emojis, that is, payment will be more widely used, and Mobile devices are becoming more and more secure;
Lending networks will become one of the hottest areas of blockchain;
Countries around the world will be more interested in digital currency development.
4. It’s time to subvert the payment field
In the field of payment transactions, blockchain technology is used to overcome problems in agent banking systems and international remittances.
The problems of numerous procedures and inconsistent processes in cross-border non-cash transactions can be eliminated by excluding third-party institutions, direct currency transfers and efficient inter-bank settlement. This possibility of creating a competitive market for liquidity providers may ensure the best exchange rates for international exchange and payment transactions.
Payment systems are based on local banking regulations and practices and lack common standards, which reduces the ability to seamlessly transmit data and back-end information, and brings settlement and non-settlement risks.
The widespread implementation and use of blockchain will change and disrupt the existing financial services industry and payment systems globally.
In addition, although blockchain was very popular in 2016, there was very little substantial progress. Only Biying China and China Post have actually put it into practice, and other projects are only in the theoretical stage.

『三』What is blockchain technology and how it changes business and financial models

Blockchain technology is a distributed ledger technology. It allows multiple participants to jointly maintain a secure, transparent and immutable record on a decentralized network. 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 complex 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 model: Blockchain technology has given rise to 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 broader and far-reaching impact in the future

『四』 Ningxia: Promote blockchain and other technologies to achieve digital transformation

Currently, Ningxia is promoting the application of digital technology in industry, education, medical and other fields. Combined with the construction of smart parks and the digital transformation of the ten major industrial industries, 60 intelligent transformation projects were organized and implemented to drive the development of digital industrialization through industrial digitization. We will implement 29 smart application scenario projects around education, medical care, cultural tourism, water conservancy, transportation and other fields, and carry out big data pilot demonstrations to provide demonstration cases for the integrated application of information technology. Promote the Internet of Things and blockchain technology, promote the effective integration and utilization of online and offline resources, and achieve digital transformation.

The International Monetary Fund plans to "strengthen" digital currency monitoring

According to an article published by the International Monetary Fund (IMF) on Thursday paper, the organization plans to “increase” monitoring of digital currencies. The article stated that the IMF must increase resources to seek to "monitor, advise and help manage this far-reaching and complex digital currency transformation." The article stated that rapid technological innovation is ushering in a new era of public and private digital currencies. Payments will become easier, faster, cheaper, more accessible and will rapidly cross borders. These improvements can promote efficiency and inclusivity, bringing significant benefits to all. However, such implementation will only happen if the IMF can “keep pace with policy challenges,” which requires a deeper look at the prospects for the digital economy. The IMF plans to work with institutions “consistent with its mandate” such as central banks, regulators and the World Bank, while expanding its own digital currency research. The IMF will also look at CBDC, stablecoins, crypto-assets, etc., and will study how these assets represent financial independence, how they can serve as reserve currencies, and how they can replace the current payment system.

From a financial perspective, blockchain and digital currency are actually a new generation of digital financial system. The digital financial system is built on the financial infrastructure of blockchain digital currency.

From a business perspective, blockchain technology has its own characteristics, that is, it is sufficiently digital, it is cross-border, cross-time and space, and cross-organization. The flow of data has no boundaries, so the blockchain is distributed at the same time, it is self-organized and decentralized.

Therefore, the origin of blockchain and the application of any new disruptive technology have always beenThere are two routes, or two methods. One way is to regard it as a tool and use it to improve the traditional business model and obtain an improvement in marginal benefits. The other is to treat it as a system to reconstruct the underlying logic of business.

#digital currency# #BTC[超话]# #欧易OKEx#

『五』区How blockchain technology is used in payment

The imApp2.0 version of the blockchain application center has been officially launched
The imApp2.0 version of the blockchain application center has been officially launched. imApp is the world's first blockchain application store that provides dividends to all people. It aims to create a super entrance to the blockchain industry and make it easier for users to use blockchain applications. The interface of imApp version 2.0 is more concise and beautiful, the function has added news and DAPP, and the content has enriched the guessing game. Users can obtain the IMAPP Ecological Pass IA by browsing, forwarding, downloading, updating, and opening applications through IMAPP. imApp has officially reached a strategic cooperation with the Bitcoin Diamond Foundation. The ecological token IA can be exchanged for Bitcoin Diamond BCD at a certain ratio.

『Lu』You have to know the operating principles and development of blockchain!

1. Why is there innovation in blockchain?
The starting point of the first generation of the Internet is the TCP/IP protocol, which implements a unified format for peer-to-peer transmission of information by all nodes on the network. Open code. However, the impact of such an uncomplicated innovation on mankind is epoch-making. It has programmed, agreed, and enforced the basic values ​​required by a unified global market: "freedom, equality, and fraternity." Then the STMP email protocol, HTTP domain name protocol, etc. were derived, achieving low-cost and high-efficiency global information transmission in a decentralized manner. As Alibaba Vice President Gao Hongbing said:
"The Internet is to eliminate the (information) supply chain that has very low value and high cost - it is open, interconnected, peer-to-peer, globalized, and decentralized."
We know: The essence of the market is also decentralized. It automatically executes the decentralized agreement of "equivalent exchange". Just as Nobel Prize winner Ronald Coase summed up: "The market economy is based on two On the basis of deep cognition: admitting ignorance and tolerating uncertainty." Adam Smith also described the market as: "the invisible hand"! Therefore, the market must require the low-cost flow of information decentralization, and the Internet has adapted to the global Under the general climate formed by the unified market, it turned out to be.
However, the first generation of Internet decentralized solved the problem of low-cost and efficient transmission of information, but it did not solve the problem of credit of information. Therefore, what the second-generation Internet must break through is: how to establish global credit in a decentralized manner so that value transfer can be carried out at low cost and with high efficiency.
So what are the problems with the original centralized credit system? As we all know: centralized credit, such as the legal currencies of various countries, their credit values ​​are different, and their clearing systems are also incompatible, which adds a lot of cost to global trade. The current global credit system centered on the US dollar has a "Triffin Paradox" in its mechanism (the essence is that a country's legal currency cannot simultaneously resolve the conflict between its own economic interests and global economic needs). Therefore, in 2009, the Governor of the Central Bank of China, Zhou Ogawa called for the creation of a super-sovereign storage currency. In the same year, Satoshi Nakamoto disclosed the first-generation blockchain source code-"Bitcoin" online.
2. How does the blockchain system operate?
First of all, Satoshi Nakamoto knew very well that establishing a credit system for payment must solve the problem of preventing "duplicate payments", that is, no counterfeit currency can be created. The centralized credit system relies on state machinery to prevent counterfeit currency. What about "Bitcoin"? Satoshi Nakamoto's great innovation is to "timestamp" every transaction. There is a block (block: equivalent to a network account book) every ten minutes, and all network transactions for these ten minutes are correctly timestamped. The question is who will cover it? Satoshi Nakamoto did not assume that everyone on the Internet is Lei Feng. He agreed with Adam Smith: people in the market are greedy. He asked the so-called "miners" to compete for the accounting rights of these ten-minute blocks. The rules of the competition were to correctly record the accounting while solving the SHA256 problem. Who can prove that their computer has the fastest computing power (the so-called PROOF OF WORK mechanism), he can compete for the legal accounting rights of these ten-minute blocks and get a reward of twenty-five bitcoins. This is the so-called "mining" process. It is actually a decentralized credit process that establishes a network-wide ledger - the blockchain. Therefore, the more essential function of miners is "bookkeepers"!
Satoshi Nakamoto is here In its Bitcoin white paper, the process of establishing this credit system is described in detail:
Step 1: In order for the entire network to recognize it as valid, each transaction must be broadcast to each node (node: that is, the miner);
The second step: Each miner node must correctly timestamp each transaction in these ten minutes and record it in that block;
The third step: Each miner node must Compete for the legal accounting rights of this ten-minute block by solving the SHA256 puzzle, and strive to get a reward of twenty-five bitcoins (fifty bitcoins every ten minutes for the first four years, decreasing by half every four years);< br>Step 4: If a miner node solves the SHA256 puzzle of these ten minutes, it will publish all the timestamped transactions recorded in its ten-minute blocks to the entire network, and they will be checked by other miner nodes in the entire network;< br>Step 5: Other miner nodes in the entire network check the correctness of the block accounting (because they are also stamping the accounting at the same time, but they have not competed for the legal block accounting rights, so there is no reward), there is no error Finally, they will compete for the next block after the legal block, thus forming a single chain of legal accounting blocks, which is the general ledger of the Bitcoin payment system - the blockchain.
Generally speaking, each transaction must go through six zonesBlock confirmation, which is six ten minutes of accounting, can finally be recognized as a legitimate transaction on the blockchain. The following is the accounting format of Bitcoin:
So the so-called "Bitcoin" is such a billing system: it includes the owner electronically signing with the private key and paying to the next owner, and then the entire network's "miners" "Time stamp the account and form a blockchain.
3. What are the innovations in Bitcoin’s blockchain finance?
Similar to gold, trying to establish decentralized credit on the global Internet may allow value to flow across the entire network at high speed and at low rates (currently each transfer The transfer rate is one ten thousandth);
The total amount of currency is agreed upon by the cryptographic protocol;
Compared to gold, digital currency is infinitely divisible;
The value of currency can be based on a large number of P2P transactions ;
Full transparency in financial management (every transaction can be traced on the blockchain).
Bitcoin’s blockchain-wide accounting system has established a market value of US$10 billion, the highest on the global Internet. Therefore, Wu Xiaoling, dean of Tsinghua PBC School of Finance, pointed out: The blockchain experiment established distributed credit, which is an upgraded version of Internet TCP/IP, upgrading from information transmission to value transmission;
4. Bitcoin’s blocks What are the inherent flaws of the chain system?
Bitcoin’s blockchain system has had successes since it was open sourced on the Internet in 2009, but it also shows some inherent flaws that are difficult to overcome:
The total amount cannot be adjusted at any time As the market situation changes, it will inevitably rise and fall sharply;
Mining is high-carbon. Only less than 1% of miners can compete for the accounting rights of blocks of less than ten minutes, and more than 99% of other miners participating in the competition have the computing power. Waste;
The annual inflation of about 10% has greatly increased the cost of the Bitcoin financial ecology, and even threatened her survival;
As a decentralized self-organizing DAC system, the operating costs of the accounting and issuance functions are too high high.
As a global payment system, its efficiency is far from meeting the actual requirements of global trade. The Bitcoin network currently confirms a maximum of 7 transactions per second. In comparison, Visa's network system can process 10,000 transactions per second at the fastest, and Alipay's record is 80,000 transactions per second on Singles' Day in 2014!
5. Block The development of chain technology 2.0:
As the 2.0 upgrade and development of blockchain, it first focuses on solving the high-carbon mining of Bitcoin accounting:
When we discuss how to overcome the high carbon of Bitcoin mining and accounting Professor Liu Taoxiong from the Tsinghua Institute of Economics pointed out that mining competition relies on computing power. In the end, only one company competes for the legal accounting rights, and the other 99% of the miner nodes are mined for nothing, which is a waste of resources. It is obviously unreasonable. If The whole network transparently knows the legal accounting rights of the next block, and it is randomly generated in the entire network, which eliminates the high carbon cost of competitive accounting! After hearing this, we all praised Professor Liu for his brilliant idea, because the second generation is now more successful. Coin NXT has this mechanism. Their white paper is called "Transparent Forging", but the probability of who gets the accounting rights is based on the NXT token holdings in each miner's node wallet.Proportional to the quantity, this is called the Proof of Stake mechanism (PROOF OF STOCK). Of course, this also triggered a debate about the unfairness of NXT’s distribution of tokens to early investment developers!
RIPPLE is a semi-decentralized blockchain solution that uses “trusted gateways” to conduct block operations. The credibility of chain accounting is based on the consensus ledger protocol that these gateways will not do evil at the same time.
The most ambitious attempt is Ethereum, which combines blockchain technology with Turing completeness, hoping to develop a basic platform that can support the construction of various blockchain systems in the future. The development of various credit currencies, digital assets, smart protocols and even financial derivatives. The system design is to unify blockchain accounting on the ETHERUM platform and be used by all developers. Maybe their official version will be released in the near future.
6. Possible applications of blockchain innovation in other fields:
Now, blockchain’s attempts to establish decentralized credit are no longer limited to the financial world, but have attracted attention from all fields of society, especially in At present, some of China's central credit institutions, such as the "Red Cross", are in a "collapse" situation. Blockchain can provide a new way of thinking and technical options for social management. The following are some new developments and related discussions we have learned about:
The combination of blockchain and the Internet of Things unifies digital assets and atomic assets, smooths the difference between consumer assets and cash assets, expands public credit, and accelerates value circulation; (IBM-Samsung)
Built on the blockchain Intellectual property protection system, accounting for the use of intellectual property across the entire network, and establishing a global advertising market;
Whether blockchain can provide technical support for the issuance of protocol-based cryptographic currencies in emerging economies along the Belt and Road;
Block Chain + cloud computing can develop into a decentralized self-media and community system;
Blockchain can build a decentralized equity crowdfunding system, allowing innovative projects to enter the circulation field in advance;
Blockchain can develop Develop a fully transparent financial management system;
Blockchain supports the establishment of a global decentralized corporate organization.
In short, in this era when credit has become a scarce resource, the technological innovation of blockchain, as a distributed credit model, can provide new solutions for finance, social management, talent evaluation and decentralized organization construction in the global market. All provide a broad development prospect.

『淒』 Advantages of Blockchain Technology Classification of Blockchain Technology

The development of Blockchain technology is becoming more and more prosperous with the continuous expansion of applications. This powerful development force coming from the needs of various industries has brought about rapid changes in blockchain technology, making the achievements of various industries more and more attractive. From professional technology to resources, they are constantly concentrated in this industry. , thus bringing the development of blockchain technology into a new stage, and the impact brought by the development of this blockchain technology has also attracted much attention.

When talking about blockchain technology, we have to mention Bitcoin. Many people know that the electronic currency Bitcoin does not rely on the issuance of a specific monetary institution, but is generated through a large number of calculations by a specific algorithm. In fact, the core that truly supports Bitcoin is blockchain technology.

How does the invisible and intangible Bitcoin operate through blockchain technology? The interpretation circulated in the industry is that blockchain can be regarded as a technical solution for collectively maintaining reliable databases through "decentralization" and "trustlessness". In layman's terms, this technology can be understood as a technology in which everyone participates in accounting. In the past, people used centralized servers to keep accounts, but in the blockchain technology system, everyone can participate in accounting and jointly identify Authenticity of records.

“Through this technology, even if there is no neutral third-party organization, two parties that do not trust each other can achieve cooperation. In short, the blockchain is like a ‘machine that creates trust’. "Bubi Company is a leading blockchain service provider in China. It has made many breakthroughs in the blockchain technology platform, can meet scenarios with tens of millions of users, and has the ability to quickly build upper-layer application businesses.

The blockchain technology used by all parties involved in recording and storing information adopts a decentralized distributed structure, which saves a lot of intermediary costs and can better ensure data security; at the same time, it cannot be tampered with Timestamps can effectively solve problems such as data tracking and information anti-counterfeiting.

Will it become the next trend of Internet finance?

Although blockchain emerged with Bitcoin, the derived value of this technology has transcended digital currency. Bubi Blockchain focuses on the innovation of blockchain technology and products. It already possesses a number of core technologies and has developed its own blockchain service platform. With decentralized trust as the core, we are committed to building an open value circulation network to allow digital assets to flow freely. What Bubi wants to do is to create a new technology and product - to realize real value circulation and bring the Internet to a new level. With the application of this technology, there will be no central organization when transferring assets, and direct transfer of assets between us can be achieved.

In the current international financial market, the U.S. Central Bank, Swiss Bank, and some insurance and futures companies are all competing to develop blockchain technology. Fang Liang introduced that in the Internet financial industry, blockchain technology will first affect financial infrastructure such as payment systems, securities settlement systems, and transaction databases; later, the technology will also expand to general financial services, such as credit systems and "anti-money laundering" "wait.

“The payment and clearing system in the financial field will evolve towards decentralization. The electronic ledger supported by blockchain technology is a reliable system that is error-free and cannot be tampered with. Quan and others have a profound impact." Li Yan said.

Therefore, industry insiders believe that blockchain technology may be the next trend in the Internet financial industry. With the Internet of EverythingTo deepen the degree, Yang Tao, assistant director of the Institute of Finance of the Chinese Academy of Social Sciences, also said that blockchain will make it possible for all individuals to become important nodes in the allocation of financial resources, and will also promote the improvement of existing financial system rules and create a shared and win-win situation. type of financial development ecosystem.

Blockchain technology will affect many industries

“Blockchain technology has been widely used in the era of big data.” Li Yan said frankly that in addition to the Internet financial field, Blockchain technology has been applied in many fields and has shown great prospects.

For example, the healthcare industry has benefited greatly from blockchain technology. In reality, patient private information leaks often occur, and centralized database or file cabinet management in medical departments is no longer the optimal choice. Medical institutions are using blockchain technology to keep patients' private information confidential.

In addition, blockchain technology also has important legal implications. In some civil fields, it is often necessary to provide evidence to determine blame, and blockchain technology can record every step and help judicial authorities identify the specific responsible person.

“Especially in the field of assets, whether it is physical assets such as real estate and cars, or intangible assets such as health and reputation, this technology can be used to complete registration, transactions, and tracking. It can be said that any lack of Blockchain technology will be useful in all areas of trustful production and life.”

The development of blockchain technology has also brought about changes in the operational concepts of various industries. New technologies and new concepts have promoted The new development of various industries, the impact of this driving force on society, and the promotion of economic activities are also huge. Many new industry phenomena will occur one after another, and the public is also waiting to see, expecting this brand-new technology to be used by various industries. Better benefit all industries.

『8』 Blockchain payment system development company, USDT acceptance payment

Blockchain technology has five major features: decentralization, non-tamperable information, collective maintenance, reliable database, and openness and transparency. Features, it has the natural advantages of transparency, security and credibility in payment. As a new technology leading global industrial changes, blockchain payment has become a hot topic at the moment.

The blockchain acceptance payment application model actually uses the blockchain network to add traditional financial institutions, foreign exchange market makers, liquidity providers, etc. to the payment network to build a payment gateway. Through the payment gateway, the flow of digital assets on the blockchain can be connected with the legal currency in reality, so that legal assets can be converted into digital assets on the blockchain to facilitate subsequent payment transfers.

Currently, USDT has two main uses in the entire market:

One is as a token to trade digital currencies;

The other is in digital currency When currency prices fall, buy them for hedging purposes to avoid losses caused by the collapse of digital assets. Currently available on most trading platformsTo buy USDT, users can hold USDT for currency transactions and purchase currencies such as Bitcoin and Ethereum. On the other hand, users can also exchange the digital currency in their hands into USDT through currency-to-crypto transactions, and then cash it out into legal currency over the counter.

The role of blockchain payment system development products:

1. Users: need to resolve the deposit platform. After the platform is connected to the USDT payment system, platform users can use the same payment process as ordinary You can pay directly using other payment methods such as Xinbao, Xinxin and cards.

2. Acceptor: A unit or individual that holds coins or funds. After the acceptor receives the information from the payment platform, it pays the corresponding USDT to the payment platform.

3. Operation platform: The payment platform operator mainly handles platform maintenance matters and handles some problems that arise in the payment process between users and acceptors.

What problems can the blockchain payment system solve?

1. You can connect yourself to the payment system section of the project platform you operate, such as the C2C acceptor transaction section. Be your own acceptor to handle the deposit issue.

2. If you do not have the strength to be an acceptor or are worried about triggering bank risk control, you can choose to find an existing payment platform or acceptance platform to connect their payment, or cooperate with an over-the-counter trading platform . However, this has advantages and disadvantages.

3. If you have the strength, you can choose to build your own blockchain payment platform system, which can not only solve your existing project deposit problems. You can also connect them with other platforms or projects on the market that require payment.