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A. Blockchain companies cooperate with central banks of many countries to develop CBDC. It is possible for central bank digital currencies to adopt blockchain.
As we all know, the legal digital renminbi uses a center based on the UTXO model. The People's Bank of China is responsible for maintaining and managing the ledger, which is incompatible with blockchain technology, which uses decentralized distributed ledgers as one of its core mechanisms. The use of blockchain technology advantages by blockchain technology companies to participate in the central bank digital currency (CBDC) is a new breakthrough and new application of blockchain technology.
ConsenSys participates in CBDC research and development
It is reported that ConsenSys has published "Blockchain Solution for Central Bank Digital Currency (CBDC)" on its official website. The article stated that digital currency can provide Cheaper cross-border remittances, improved inter-bank payment settlement and accelerated retail market innovation, etc. If central banks do not issue their own digital currencies, it will lead to markets relying on "private payment tokens", potentially creating a risk of failure and financial problems for private entities, as private tokens may not be available to everyone, Central bank digital currencies will bring risk-free, widely used alternatives.
Charles d'Haussy said that in 2016, ConsenSys began to work on CBDC through cooperation with the Singapore Monetary Authority and the South African Reserve Bank, and also gradually developed cross-border payment technology business. "Building on this, we are exploring a larger concept - 'programmable money', which any CBDC with a token architecture can support. CBDC is a perfect iteration of electronic cash that can improve the utilization of central bank funds. efficiency, ensuring a more efficient value chain.”
In addition, ConsenSys recently released a compliance service to help exchanges and decentralized finance (DeFi) projects identify possible issues related to Ethereum issuance. Token trading activity related to criminal activity. Lex Sokolin, co-head of global fintech at ConsenSys, said, “More and more people are building decentralized applications, which is part of the puzzle. What we are trying to do is make activities on decentralized financial infrastructure more Safe, transparent and easier to track."
With its strong blockchain technology background, ConsenSys has participated in the research and development of central bank digital currencies in countries such as Australia, France and Thailand, which may integrate blockchain technology with CBDC become possible.
The feasibility of using blockchain technology for CBDC
Regarding the question of whether blockchain featuring decentralized distributed ledgers can be combined with centralized central bank digital currency Yao Qian, director of the Science and Technology Supervision Bureau of the China Securities Regulatory Commission, pointed out that whether CBDC adopts blockchain technology is still controversial. A typical view is that the decentralization of blockchain is incompatible with China.There are conflicts with the centralized management of central banks, and CBDC is not recommended to adopt this technology.
However, blockchain technology is developing at an unprecedented speed and is deeply integrated with various mainstream technologies. Therefore, no matter from a technical perspective or a business perspective, the blockchain in real applications is in line with the "original teachings". The understanding of "ism" is different. How to use blockchain technology to better serve distributed operations under centralized management may be the current direction that CBDC needs to focus on exploring.
Yao Qian believes that although the technical characteristic of blockchain is that it does not rely on central institutions, it does not mean that it cannot be incorporated into the system of existing central institutions. As long as it is properly designed, the central bank can just use it Blockchain effectively integrates distributed operations and better realizes centralized management and control of CBDC. There is no inevitable conflict between the two. As an emerging technology that may become the future financial infrastructure, blockchain helps achieve distributed operations without affecting centralized management for the dual model of central banks and commercial banks. Bottom-up "exchange" can formulate a new CBDC implementation plan, which also achieves the goal of "centralized management and control, distributed operation".
A digital currency research project announced by the Reserve Bank of Australia is exploring the potential use and impact of a central bank digital currency (CBDC) using distributed ledger technology (DLT).
Under the project, Australia will develop a proof of concept for issuing a CBDC in the form of a token that market participants will be able to use for financing, settlement and repayment on an Ethereum-based DLT platform. Tokenized syndicated loans. The project is expected to be completed around the end of 2020, and various project participants plan to release a thematic report on the project and its key findings in the first half of 2021.
B. After reading this article, you will have a thorough understanding of the blockchain
In this article, all the content I introduced is in today’s world. The fact that the blockchain field has already happened is not some imagination or opinions about the blockchain. I think that as long as you read this article carefully, you will easily have a basic and accurate understanding of blockchain.
The main content of understanding blockchain in just ten minutes is divided into four sections. 21 topics and 4 sections are:
The first national strategy for blockchain.
Second, Bitcoin and its literal representation involve four topics.
Third, blockchain and its technical logic involve 13 topics.
Fourth, blockchain empowers the economy and society, involving three topics.
Let’s first look at the first part of the blockchain national strategy. The first part of the blockchain country. Everyone knows that we humans have experienced six times.information revolution. Seven or eight years ago, the first information revolution created primitive language, social tacit understanding, and the second information revolution saw the emergence of writing. The third information revolution in feudal society invented papermaking and printing, and the fourth information revolution in the late 19th century invented radio.
In the fifth information revolution of the 20th century, television appeared again, and now in the sixth information revolution, computers and the Internet have appeared. The emergence of computers and the Internet has given rise to the rapid development of various new technologies. Especially in 2020, the digital economy has experienced epoch-making development.
Why do you say that? The characteristics of high bandwidth, low latency and large connections in the 5G era have enabled the implementation of the four major technologies of ABCD.
What are the four major ABCD technologies
The a here refers to Artificial Intelligence, which is artificial intelligence technology.
B refers to Blockchain, blockchain technology.
C refers to cloud computing cloud computing technology
D refers to big data technology.
The word blockchain is now completely popular all over the country. On October 25, 2019, the Political Bureau of the Central Committee of the Communist Party of China announced the development of blockchain technology. The current situation has been collectively studied, so the requirement of this meeting is to use blockchain technology as the core technology.
As an important breakthrough for independent innovation, it is necessary to accelerate the innovative development of blockchain technology and industry. On April 20, 2020, the National Development and Reform Commission officially included blockchain into new infrastructure. Blockchain, why do you think it is so awesome? Let us say that blockchain is not an extension of the Internet, it is a subversion of the Internet. In the future, many, many technologies will grow on this blockchain and realize blockchainization.
So, how can we accurately learn and understand the blockchain?
We found that among the four major technologies of ABCD, only the block is naturally built-in It's financial. Therefore, we must learn and understand blockchain from the IT perspective and the financial perspective, and even learn and understand blockchain from the level of national governance. If you only study and understand blockchain from an IT perspective, it is impossible to understand the huge influence and influence of this technology. Then, your understanding of this will be biased. Even more, you may disapprove of blockchain technology. In addition, in the process of learning about blockchain, you should also pay attention to itThere are so many new terms that you need to concentrate on and understand them step by step.
Let’s first understand blockchain from a financial perspective.
Bitcoin and its birth performance
To understand the blockchain, it involves Bitcoin, and what about the birth of Bitcoin? , and it is inseparable from the evolution of currency. We know that currency is a special commodity that is separated from commodities and serves as a fixed general equivalent. In fact, we humans have used a lot of currencies, including physical currency, weighing currency, paper money, accounting currency, etc. As for accounting currency, it includes electronic currency and digital currency. Electronic currency itself is not a currency. It is just used to represent the same amount of currency. It is a token.
Then the total amount of his tokens will not increase due to the increase of electronic currency. Alipay, WeChat, payment, and online banking are typical electronic currencies. As for digital currency, it is itself a legal currency. The total amount of this fiat currency will increase with the increase of digital currency. We know that when it comes to physical currency, we humans have actually chosen many things as general equivalents.
Weighing currencies are some heavy metals. Later, people chose gold among the heavy metals. Why choose gold? Because gold has the characteristics of rarity, divisibility, and the most stable chemical properties. What needs to be noted here is gold. It is not issued by any country. It is provided by nature. of. Your country's total amount is as much as nature provides. Therefore, the country does not need to provide credit guarantees for the value of gold.
However, as for gold, it has some flaws in its use, and it is difficult to carry when you go out again, so there are descendants. Paper money appeared in the Northern Song Dynasty. At that time, paper money was not currency in the current sense. The currency at that time was still gold, but we used paper money to represent gold. We called it the gold standard. The gold standard is the gold standard, which is a monetary system with gold as the standard currency. The core essence of the gold standard is that how much currency a country issues should be decided based on how much gold your country has. It does not mean you can issue as much currency as you want.
At that time, the Great Depression of the United States reached January 10, 1934. On this day, the newly elected President of the United States made a very important decision to abandon the gold standard and issue 3 billion US dollars. Think about it, abandoning the gold standard, in theory, means that he can issue as much currency as he wants. Even if there is no gold in the treasury, he can issue banknotes as long as he wants to. Then someone will ask, do you issue so manyCan the words be exchanged for gold of equal value by then?
Look at the paper money at this time, it has been separated from gold, and national credit has appeared. This, we call it national credit. as collateral currency. Now, when mainstream countries issue currency, they also issue it with national credit as a guarantee.
What are the benefits? The advantage is that it can regulate the economy. When the economy is not doing well, a little more hair can drive economic development. The increase or decrease in this variable will cause a chain reaction of the entire economic aggregate. This is the multiplier effect in economics. Once a country masters this thing, some countries will be fascinated by it. But if it is not well controlled, it will lead to national credit bankruptcy. As a result, many people began to reflect. This reflection is, when issuing currency, is it better to use national credit as a guarantee, or is it better to stick to the gold standard based on the total amount of gold. This question involves the birth of Bitcoin
C. What signals does the blockchain 3.0 era give us
In 2020, the blockchain was included in the "new infrastructure" by the country In the category, at least 7 provinces have introduced blockchain support policies. In the same year, blockchain technology was gradually moving from concept to implementation, with many application scenarios blooming. Various industry applications of "blockchain" have become a symbol of the continuous maturity of blockchain.
The development status of "blockchain" in 2020
In 2020, the COVID-19 epidemic swept the world, and the uncertainty of world economic development increased significantly. Governments and enterprises of various countries are exploring the use of emerging technologies to reduce economic and social operating costs, improve the operating efficiency of the real economy, and further find new growth points for economic development.
At present, blockchain is cross-innovating with new technology infrastructure such as cloud computing and artificial intelligence. More and more vertical fields of the real economy are showing the development pattern of "blockchain" and the "elimination trend". "real" good momentum.
In order to avoid turning reality into fiction, in addition to continuing to severely crack down on speculation, we must also guide the deep integration of blockchain technology with practical application scenarios. Therefore, various industrial application scenarios of "blockchain" have become one of the inevitable trends in the development of blockchain.
According to the "Blockchain White Paper (2020)" recently released by the China Academy of Information and Communications Technology, as of October 2020, more than 262 listed companies have been involved in the blockchain field, each from insurance , real estate, commercial department stores, security equipment, packaging materials, telecommunications operations and other 39 fields. In the blockchain information service registration list released by the State Internet Information Office, there are 45 listed company blockchain projects.
Among them, finance is the most explored scenario among blockchain technology application scenarios, with specific projects implemented in subdivisions such as supply chain finance, trade finance, payment and settlement, and fund management. The white paper shows that as of November 2020, all domestically registeredAmong blockchain information services, the number of projects in the financial (including supply chain finance) field ranks first, accounting for 36%.
As the implementation of blockchain applications accelerates, "blockchain" business has become the focus of development for Internet backbone enterprises to enter the blockchain industry. In addition to financial business, they actively deploy the Internet, traceability, and supply. Applications in chain & logistics, digital assets, government affairs and public services, intellectual property, law, medical and other fields.
At the same time, the industry is gradually understanding that blockchain is the basic component of trusted transactions, but this does not mean that blockchain can conquer the world. Blockchain needs to be combined with other technologies such as artificial intelligence, Internet of Things, big data, 5G, etc. to use synergy to form integrated solutions to jointly promote digital transformation.
According to relevant data, the current application of blockchain is mainly in the field of certificate storage. Blockchain has entered into how to make it better from an engineering perspective, more credible, more stable, and more scalable. Well, a stage that can accommodate more nodes. He Baohong, director of the Institute of Cloud Computing and Big Data of the China Academy of Information and Communications Technology, believes that this process will continue for some time or longer. In the next step, blockchain technology competition will shift from engineering optimization and improvement to technology ecology and business ecology.
In addition, it is understood that the blockchain industry is improving in the long term, and industry cognition has returned to rationality. With the central government's planning and guidance for the development of blockchain technology, my country's blockchain has clarified the development ideas based on the alliance chain, focusing on serving the real economy and optimizing public services, and the direction of industrial development has become clearer. At this stage, the confidence of the majority of practitioners in blockchain continues to improve, and the long-term strategic value of blockchain is generally recognized.
What is the prospect of “blockchain” in 2021?
As my country’s blockchain industry chain gradually improves, most blockchain companies not only focus on one aspect, but also show a trend of coordinated development in multiple fields. According to statistics, among the 801 blockchain information service registration lists released by the Cyberspace Administration of China, Beijing, Guangzhou, Shanghai, Zhejiang, Jiangsu, and Shandong are the provinces and cities with the most registered companies.
The core role of blockchain corresponding to its technical characteristics is mainly reflected in the three aspects of certificate storage, automated collaboration and value transfer. As its value potential is constantly being explored, application scenarios have evolved from the breakthrough point of finance. , and gradually expanded into many fields such as the real economy, government affairs and people's livelihood.
The core value of blockchain for the real economy is to promote efficient collaboration between upstream and downstream industries and improve the efficiency of industry-finance integration. In the early stages of development, the blockchain application model mainly focused on the storage of documents, contracts, etc. At this stage, blockchain industry applications are gradually moving towards automated collaboration and value interconnection such as government data sharing, supply chain sales collaboration, and cross-border trade.
2020 is the warm-up for 2021. In 2021, the use of blockchain, distributed ledgers, and smart contract tools will continue to grow as it did in 2020. And with the continuous deepening of blockchain technology, the foundation of the blockchain industry will become better and better, the industrial ecology will also develop rapidly, and the distribution of the industrial chain will become increasinglybenefits widely.
From the perspective of industrial structure, the blockchain industry is mainly divided into four parts: underlying technology, platform services, industrial applications, and peripheral services.
The first three parts show a relatively obvious upstream and downstream relationship. The underlying technology part provides the necessary technical products and components of the blockchain respectively. The platform service part builds an area that can run corresponding industry applications based on the underlying technology. The industrial application part of the blockchain platform mainly uses blockchain technology to develop industry applications based on the actual scenarios of various industries and realize the innovation of business collaboration models within the industry.
The peripheral services part provides supporting services to the industry, including industry organizations, market research, standard formulation, system evaluation and certification, industry media, etc., to provide impetus for the development of industrial ecology.
Among them, as far as the industrial application of blockchain is concerned: Blockchain is the innovative development result of information technology, and it is also the main booster for the reconstruction of business processes and the innovation of industrial interaction models in various industries.
Blockchain has gradually expanded from the initial digital finance to supply chain finance, product traceability and other fields. Now it has been explored and applied in government affairs, people's livelihood, industrial management and other industries, and its application scenarios are becoming increasingly rich, presenting It has shown a development trend of deep integration with other industries.
At present, domestic enterprises are focusing on the development of applications related to serving the real economy and improving government affairs and people's livelihood. Among them, supply chain finance and product traceability have accounted for half of all applications. Others, such as government affairs and people's livelihood, have become the future of manufacturers. Key layout areas are about to experience explosive growth.
After blockchain investment cooled down in 2020, the blockchain industry may begin to gradually become more rational in 2021. However, a relatively complete industrial chain and active market entities provide a good foundation for the integrated development of the blockchain industry. The blockchain industry will also show a positive development trend in terms of policy support, ecological construction, platform services, application implementation, and integrated innovation.
D. What are the policies to promote the development of blockchain?
Legal analysis: On October 25, national leaders presided over a collective study meeting of the Political Bureau of the Central Committee and listed blockchain as An important breakthrough for independent innovation technology.
In the 19 days since then, local governments have issued a total of 44 related policies to encourage the development of blockchain, involving 20 provinces.
Government affairs, medical care, finance and smart cities have become the areas where local governments value blockchain implementation most.
In the process of actively promoting the implementation of blockchain, local governments are also trying to combine their own advantages and local characteristics. For example, in Shanxi, energy has become a key area for blockchain implementation.
Legal basis: "The Fourteenth Five-Year Plan for National Economic and Social Development of the People's Republic of China and the Outline of Long-term Goals for 2035" Article 3 Strategic Orientation: Promote high-quality development during the "14th Five-Year Plan" period , we must base ourselves on the new development stage, implement new development concepts, and build a new development pattern. Grasping the new development stage is the realistic basis for implementing the new development concept and building a new development pattern. Implementing the new development concept is the basis for grasping the new development stage andBuilding a new development pattern provides an action guide, and building a new development pattern is a strategic choice to respond to the opportunities and challenges of the new development stage and implement new development concepts. We must persist in deepening supply-side structural reforms, lead and create new demands with innovation-driven, high-quality supply, and improve the resilience of the supply system and its adaptability to domestic demand. We must establish an effective system to expand domestic demand, accelerate the cultivation of a complete domestic demand system, strengthen demand-side management, and build a strong domestic market. We must unswervingly advance reform, break down institutional obstacles that restrict economic circulation, and promote the circulation of production factors and the organic connection between production, distribution, circulation, and consumption. We must unswervingly expand opening up, continue to deepen openness based on the flow of factors, steadily expand openness based on institutions, and rely on the domestic economic cycle system to form a strong gravitational field for global factor resources. It is necessary to strengthen the leading role of the domestic general cycle, improve the efficiency and level of the domestic general cycle with the international cycle, and realize the mutual promotion and advancement of the domestic and international dual cycles.
E. Is it a good idea for the central bank to establish a "blockchain bank"?
Theoretically, this is a good idea and can better regulate people's use of blockchain technology.
From the perspective of blockchain technology development, it can be divided into three stages: the first stage is the application of digital currencies such as encrypted currency, transfers, remittances and digital payment systems; the second stage is encrypted stocks and bonds , futures, loans, smart assets and smart contracts and other broader asset target applications; the third phase will be applied in government, health, science, culture and art, etc. At present, the application of blockchain technology is only in the process from the first phase to the second phase. Currently, blockchain banking services include: 1. P2P cross-border payment and remittance for point-to-point transactions, trade settlement, and securities, futures, and financial derivatives Contract sales, etc. 2. Registration. Blockchain has a reliable database to record various information, and the stored anti-money laundering customer identity information and transaction records are credible and traceable. 3. Confirm rights. Procedures such as the identification of rights in registration and transfer matters in the equity legal system can be realized through blockchain technology. 4. Intelligent management. Since the "smart contract" can automatically detect the validity and meet the program conditions, the contract will automatically process interest payments and dividends, avoiding the risk of credit default caused by human intervention. GSN Social Bank - the establishment of decentralized credit
Theoretically speaking, the credit establishment mechanism of blockchain is likely to be lower than the establishment cost of centralized credit in terms of global costs. This is in line with The trend of global market evolution!
The significance of GSN social banking is to establish a distributed, point-to-point, open and transparent trust system with technical guarantee. As a global distributed database, GSN stores data blocks generated using cryptographic methods. Each data block contains information about each network transaction and is used to verify the validity and authenticity of the information.
GSN delivers value through technical architecture, making every transaction recorded absolutely credible and irreversible.tamper. From this point of view, the subversive significance of GSN lies in the establishment of a decentralized, open and transparent trust system guaranteed by technology. GSN no longer relies on a central node, but automatically realizes trust and delivers value through the technical architecture. This is the advantage of GSN. < /p>
F. Machine trust < /p>
007 will be out of the fourth part
Blockchain trust machine
The first two Tian saw a piece of news saying that Luo Pang, who thinks logically, is also going to enter the blockchain.
Luo Pang is a teacher I respect very much. He brought me brainstorms and burnings. What’s even more rare is that he made a 20-year agreement with time. The New Year’s Eve speech at the end of each year is an indispensable New Year’s gift for me. I would like to express my gratitude to Luo Pang here. Say "thank you".
This is just like us 007, who has made an appointment to see each other in Antarctica for seven years. I believe that persisting in doing something meaningful for 7 years will bring about huge changes in my life. Let’s wait for the rewards of compound interest over time!
Okay, let’s talk about today’s topic-blockchain. I think blockchain is attracting more and more people with its unique charm, and it is a big name in various fields. So what is its charm?
I believe you have heard of blockchain more or less before reading this article. In addition, the "Three Questions about Blockchain" broadcast by CCTV 2 last week pushed it to the forefront. On the cusp of the storm.
There are many articles about blockchain. I will talk about the blockchain in my mind. If there are any inaccuracies, please ask friends to point out so that they can be corrected.
There are no special learning channels now. You have to take the initiative to find information on your own and piece it together to form the pattern in your mind. I try to explain it in a simple way:
What is blockchain? My understanding is: trust the machine.
Trust the machine rather than the "intermediary", this is its charm.
First we have to trust a machine. If this machine is a machine and is controlled by someone, then I definitely can’t believe it. So we used a distributed network to break up this machine into many machines and spread it out to ensure that no one can control it. There is also a technical feature of network-wide broadcast, ensuring that all scattered machines can maintain information consistency. Although it is dispersed in this way, it still has the effect of one machine.
The cryptographic ledger is the communication language between machines. Mathematics and procedures are the most rigorous, just like 1+1=2 cannot be wrong.So what we ultimately trust is mathematics and procedures.
The incentive mechanism builds a bridge between machines and people. Without Token rewards, people cannot be motivated. No one is willing to spend their time, computing power, hard disk, and information to maintain the network. safety. If there is no incentive mechanism, there will be no consensus. Without consensus, there will be no security. Without security, there will be nothing.
Blockchain = distributed network + cryptographic ledger + incentive mechanism (consensus mechanism)
Next time someone asks you what a blockchain is? You can tell him this: If you are worried about trust, then let’s trust the machine! Huang Weixiang on the night of May 27, 2018
G. What subversion does the blockchain bring, and why can it become a national strategy
The subversion of blockchain is characterized by the following four aspects: 1. Transparency. The data records of the blockchain system are transparent to the entire network nodes, and the update operations of the data records are also transparent to the entire network nodes. This is the basis for the trust of the blockchain system. Since the blockchain system uses open source programs, open rules and high participation, blockchain data records and operating rules can be reviewed and traced by nodes throughout the network, with high transparency.
2. Openness. The blockchain system is open. Except for the private information of the parties directly related to the data, which is always encrypted, the blockchain data is open to everyone (except for blockchain systems with special permission requirements). Anyone or participating nodes can query blockchain data records or develop related applications through public interfaces, so the entire system information is highly transparent.
3. Information cannot be tampered with. Once the information of the blockchain system is verified and added to the blockchain, it will be permanently stored and cannot be changed (except for systems such as private blockchains with special change requirements). Unless more than 51% of the nodes in the system can be controlled at the same time, modifications to the database on a single node are invalid, so the data stability and reliability of the blockchain are extremely high
4. Decentralization. Decentralization is the most basic feature of blockchain, which means that blockchain no longer relies on central processing nodes and realizes distributed recording, storage and updating of data. In the traditional centralized networkIn a decentralized blockchain network, attacking a central node can destroy the entire system. However, in a decentralized blockchain network, attacking a single node cannot control or destroy the entire network. More than 5% of the nodes in the network can only gain control. Just the beginning. 2019 is the first year of commercial application of blockchain technology, and favorable policy incentives will make the development of blockchain technology more stable.
As the application of blockchain technology gradually penetrates into many fields such as digital finance and the Internet, everyone has a clearer understanding of the value of blockchain.
Blockchain has formed a global competition situation. All countries are seizing development opportunities, and China cannot lag behind; therefore, it is understandable that blockchain has become a national strategy.
H. How to effectively promote the innovative application of blockchain technology in the financial field
On February 24, the China Securities Regulatory Commission issued Notice No. 03009 on the Fifth Meeting of the 13th CPPCC National Committee (Finance, Taxation and Finance No. 199) Proposal reply letter. Proposed: According to the "Notice on Issuing the National Blockchain Innovation Application Pilot List" by the Cyberspace Administration of China, the People's Bank of China and the China Securities Regulatory Commission actively cooperated with the Cyberspace Administration of China to carry out the pilot work of the National Blockchain Innovation Application and took the lead in establishing the pilot list. Huaitai has established national pilot projects in the characteristic fields of "blockchain + equity market" and "blockchain + trade finance" to effectively promote the innovative application of blockchain technology in the financial field.
With the encouragement and support of multiple policies and financial regulatory authorities, it means that electronic signatures will become a digital business processing tool for financial institutions to realize online business. In the future, electronic signatures and electronic contracts have become the general trend!
Junzizhuan, a brand of eBaoquan, is a professional blockchain electronic signing platform in China. For many years, it has been committed to creating a one-stop full ecological financial closed-loop service for financial institutions, from signing to depositing certificates to lending. A complete set of mature, reliable and secure blockchain electronic contract solutions can help financial institutions reduce costs and increase efficiency while improving risk management and control capabilities and effectively promote the development of online business.
In addition to mature and reliable solutions, Junzi Sign has also successfully applied blockchain technology in the financial industry.
At present, the Junzi Signing Platform has established cooperation with many large domestic banks and achieved efficient business development.
Open up the Internet courts, notary offices, judicial appraisal centers, arbitration committees and other authoritative institutions to create a judicial support service system in Qiangming Town, which can provide complete evidence storage, evidence consolidation and evidence production services. Compared with paper contracts, it has More rigorous and safe legal effect.
I. Explain blockchain in vernacular
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Recently, various ICO financial scams have been blocked in China, but this does not hinder the vigorous development of blockchain technology. After all, technology is innocent and can bring benefits to people. As for how to use it, justIt depends on people to operate it. If the operation is good, you can recommend development. If the operation is not good, it is like the major ICO projects. Find some knowledge for Internet celebrities to conduct so-called illegal fund-raising and financial fraud.
After talking for a long time, what is blockchain? When it comes to blockchain, the first thing that comes to mind for many people is Bitcoin. We need to solve a problem. Bitcoin is a blockchain, but blockchain is not Bitcoin. Simply put, blockchain is distributed ledger technology (DLT), not a token. It has many characteristics, such as decentralization, traceability, and difficulty in tampering.
(1) Blockchain is a distributed database
First of all, this is a decentralized distributed architecture system. Therefore, having only one central server or node is not called a blockchain. For example, if you go to Taobao to buy a mobile phone, you and the seller are strangers and have no basis for trust. If you give the money to the seller first, the seller may block you by not delivering the goods, and then your mobile phone money will be gone. If the seller ships first, do you pay? It is possible that you do not pay the seller after receiving the goods, and one party may lose money anyway. At this time, a third-party guarantee is needed to solve the trust problem. Just like Alipay now, you give money to Alipay and the seller will deliver the goods. When you receive the goods, the seller will receive the money.
The above example is a centralized system because all guarantee work is handled by Bora, a third-party payment company. Suppose one day Alipay wants to tamper with data, neither buyers nor sellers can do anything because all authority is in the hands of one company.
At this time, a distributed database is needed. This third party is no longer Alipay, but thousands of monitors. When you buy a mobile phone on Taobao, you will shout to everyone that I am going to XXX to buy a mobile phone, and I paid XXX yuan. The other person will yell like everyone else. I collected XXX’s mobile phone bill and sent it over. In this way, everyone knows about this transaction and everyone is recording this transaction, so it is useless if one or two nodes have problems or malicious behavior, because most nodes have recorded this matter.
(B) Blockchain uses encryption technology to ensure data security
There are two important points here: 1. Crypto-enabled hash function 2. Asymmetric encryption.
If you are interested in specific concepts, you can go online, but people without basic knowledge may not be able to understand it, because these two points are too professional. In fact, if you only know the use of blockchain, you don’t need to have an in-depth understanding of it. It is also a technical concept. All you need to know is that blockchain relies on these technical points to ensure data security and is not easily tampered with. Of course, many people say that these two points can guarantee 100% non-tampering. I want to be a little conservative here. As an author who works in the security industry, I have always been skeptical about 100% security, so it may be more appropriate to call it difficult to be tampered with.
I will briefly introduce these two concepts and try to explain them clearly in plain English.
1. Cryptographic Hash Function
This is mainly used to verify the integrity of information. For example, I send a message to the company leader saying that I am sick on Friday and need to ask for help.Day off. At this time, a hash value will be generated based on the message I sent, such as: 123456. At this point, when the leader receives this message, a hash value is also generated. Because the content of the message I sent has not changed (it has not been tampered with), the hash value remains unchanged, still: 123456. This is if someone wants to tamper with this news and get sick on Friday and need to take a year off. At this time, the hash value will change, such as: 123489. That's when we learned our information had been tampered with.
2. Asymmetric encryption
It is mainly used for information encryption and authentication. It is actually two keys, one is called the public key and the other is called the private key. Public key encryption, private key decryption.
A public key is a key that everyone has. You own it, I own it. We can all encrypt with this key, but when decrypting it must be decrypted with my private key. If you don't have my private key, you can't decrypt it.
(C) The blockchain uses a consensus algorithm to reach consensus on new data.
The role of the consensus algorithm is to enable all nodes to reach a consensus on the new block. In other words, everyone must approve the new block.
For a centralized deployment system, this is simple, everything is controlled by the center, but in the distributed system of the blockchain, it is very complicated. For example, there are three nodes. A said he bought a mobile phone from XXX store and paid for it, B said he didn’t pay, and C said he didn’t pay enough. Then who do you listen to? What's more, blockchain technology is not as simple as three nodes, but a huge distributed system.
This is when a solution is needed. There is a corresponding problem in computer science called the "Byzantine Universal Problem" or "Byzantine Fault Tolerance" (BFT). This question was raised not because of Bitcoin, but because of a special background.
Early aircraft had three independent control systems. Why do we need three independent control systems? For example, in an emergency, there is a plane opposite. How to judge whether you should hide? If there is only one system, there is no choice, which is equivalent to centralized deployment. If the system breaks, you're dead. What if one of the two systems breaks? The good ones are said to hide, and the bad ones are said not to hide. The computer cannot judge the final result. Therefore, three independent systems are needed to support it, and the probability of two total failures is still very small. But this only takes into account injuries. What should I do if there is a malicious system? Is three enough? The answer is no, we need four systems to maintain consensus.
The use of blockchain is similar, because it is supported by a huge number of nodes, and each node is an independent system without interfering with each other. We can assume that the number of failed nodes and malicious nodes is limited, so it will not cause abnormal consistency of data.
Related questions and answers: What is blockchain? What is the use?
Blockchain is a new computing paradigm and distributed infrastructure that uses fast chain data structures, distributed node consensus algorithms, cryptography and smart contracts based on automated script codes to produce, verify, store and transmit data. It can also be said that blockchain is a distributed ledger technology that can provide a decentralized trust mechanism in a non-trust environment, allowing multiple participants to conduct transactions without intermediaries.Conduct secure trust-based transactions under certain circumstances.
The core advantage of blockchain technology is decentralization. It can realize decentralized credit-based transactions in a distributed system where nodes do not need to trust each other by using data encryption, timestamps, distributed consensus and economic incentives. Point-to-point transactions, coordination and collaboration provide solutions to the common problems of high cost, low efficiency and insecure data storage in centralized institutions.
The fields of use of blockchain include digital currency, certificates, finance, anti-counterfeiting and traceability, privacy protection, supply chain, entertainment, etc. With the popularity of blockchain and Bitcoin, many related top domain names have been registered. It has had a relatively large impact on the domain name industry.
Related Q&A: Can you explain to me what a blockchain is in an easy-to-understand way?
Er Gazi is my friend since we were young, and we were naked in Hegou together. Later, I came to the city to study and work, and lived a life as a drifter in the north; he farmed at home and did some small business, and now he has a son and a daughter, and his life is safe. He envied my so-called "seen the world", and I envied his simple life without the pressure of mortgage loans. We have completely different and mutually enviable lives??
That day, Ga Zi came to me on WeChat and asked "District" What is a blockchain?" I was stunned for a moment, how could this idiot care about such an avant-garde word? I pretended to be calm and prepared to talk about the technical principles bit by bit, but I could see the confused expression of that idiot through the screen of my mobile phone. How to explain "what is blockchain" to people who have a little bit of Internet concepts and technical foundation? This seems to be a very thorny problem??
The village commissary interprets the core of blockchain (picture quoted from the Internet)
The core essence of blockchain is "decentralization", and almost all operating modes of blockchain operate around the concept of "decentralization". Once you understand what "decentralization" is, you can basically explain the question "what is a blockchain?" For Erga, of course, he must perform a version that he can understand.
“I said, Gazi, are you still open that canteen at the east end of the village?” Gazi answered yes. I decided to use this canteen as an example to explain the actual use of blockchain in modern business and financial models. Scenario, so that he can better understand what blockchain is.
"Are there still many villagers who take credit now? By the end of the year, some of the accounts will not be remembered clearly, and there are still many defaulters or those who refuse to accept their accounts?" At this point, Ergazi got emotional and kept complaining. Nowadays, people's hearts are not as old as before, and business is difficult to do!
"In the past, the operation model of your canteen was a typical centralized one. You granted credit to the villagers and allowed them to take accounts on credit. All accounting was done directly through you and our villagers. You were the center of all accounting affairs." Ergazi said I understand, let me continue.
I said: "If you fail one day, then all the accounts will become dead debts? It will be difficult to get back the IOUs written in black and white, let alone those who remember the accounts verbally, but the block The decentralization of the chain can solve this problem very well. As long as the earth still exists, the blockchain will remember every accountwill exist forever.” Erga became more energetic after hearing this.
The essence of blockchain is “decentralization”
“The essence of blockchain is decentralization. Once someone takes credit from you, the entire village will be decentralized. Neighbors help you keep accounts. Because there are many nodes for accounting, it is neither easy to make mistakes nor others can refuse to pay, so everyone reaches a consensus. If someone maliciously fails to repay the debt, the whole village will know his character, and no one will be willing to have any financial dealings with him in the future??"
Speaking of this, Gazi was obviously a little excited. It seemed that he was I was really worried about the credit issue. Seeing that Gazi was interested, I also felt a small sense of accomplishment and continued: "Of course, the above is just an analogy. In fact, the blockchain does not really allow villagers to get paper The pen helps you keep accounts, but it is done through the Internet and computer networking. "
At this time, Gazi was a little confused and asked: "Then what others bought from me, wouldn't everyone in the village know it? Then who would buy things from me? There is really no privacy at all. And you don’t have time to keep accounts here. Last year’s accounts are said to be this year’s. What if you keep procrastinating? "
"Okay, Gazi, your question is on point. "It seems that Gazi is not stupid at all, and he is very shrewd in doing business. I continued to explain: "So, the recording and transmission of this information are all done through encryption. What you see is a picture of numbers and English. String, and each account has a timestamp to record the time of occurrence, which cannot be relied on. "
Gazi had another question: "Is it possible that the people who owe the debt have a good relationship with the villagers, and they join forces to tamper with the accounting? Then you won’t be able to explain clearly at that time??”
“Gazi, that’s all you have, haha. "I understood Gazi's concerns and continued to explain: "The mechanism of the blockchain requires more than 51% of people to agree to tamper with a bill. Everyone has a degree of closeness and distance between them, and it is impossible for everyone to favor the same person. If it were a computer, more than half of the computers on the entire network would need to recalculate. This project would be so huge that it would be almost impossible to complete."
In this way, through the actual situation of the canteen and combined with some scenes in life, Gazi understood What is in the blockchain: decentralization, distributed accounting, consensus mechanism, encryption mechanism, timestamp, and the characteristics of being difficult to tamper with.
Ergazi was silent for a moment, seeming to be digesting the example I just gave him. I don’t know how much he can understand the example. Not long after, he sent me a voice message on WeChat: “What does blockchain mean? In the past, when I bought goods online and paid, I had to go through Jack Ma’s house. If there is a blockchain, can we directly trade with the seller? Anyway, the accounting is very safe. "
"Okay, Gazi, it's really clear at first glance. Blockchain is essentially a decentralized distributed ledger data cloud. Of course, it can be understood according to your understanding. "I'm very happy that Gazi can roughly appreciate the true charm of the blockchain. Fortunately, my words have not been in vain.
What is Bitcoin? (Picture quoted from the Internet)
"Then Bitcoin What is this thing again? What does it have to do with blockchain?relation? "Gazi asked.
I thought about it briefly and decided to continue to explain to Gazi with the story of the canteen: "In your canteen, the villagers can't keep accounts for you for free all day long. Do you have to carry some during the holidays? This is the reward mechanism of the blockchain, and everyone who participates in bookkeeping may receive rewards. "
"Then what are the rewards based on? There has to be a rule, right? "Gazi asked very puzzled.
I explained: "Zhang San went to your store to borrow a pack of cigarettes on credit, but Li Si knew about it first and kept an account for you first, and then others knew about it. Keep accounts, then Li Si can get a small red flower as a reward ~ This small red flower is generated by the blockchain system and has no value in itself, so you do not need to pay any cost for this small red flower??"< p>“Can Bitcoin be spent as money? How is it different from the banknotes we usually spend? "Gazi continued to ask.
"Bitcoin is a digital encrypted virtual currency. In principle, it has no value itself like our banknotes. However, banknotes have a credit guarantee from the state, so they have value. Bitcoin is the value formed by consensus among Bitcoin network users, and it has tradable properties, so it can be used to carry value. "What is said here is a bit profound. I don't know if I can understand it.
I continued to explain: "Banknotes can be printed infinitely. If more are printed, inflation will occur. When we were young, popsicles worth 1 cent were very good. , now you can’t eat with 1 yuan. Of course, there are many factors that affect inflation. The number of Bitcoins is fixed, and there is no possibility of unlimited over-issuance. However, different people have different judgments on their value, and coupled with the influence of supply and demand and investor sentiment, their prices are always fluctuating. ”
What is the difference between Bitcoin price fluctuations and stocks?
“So is speculating in Bitcoin just like speculating in stocks? Can you understand it this way? "Gazi seems to know a lot.
"In fact, there are some similarities, but there are also big differences. "I continued Gazi's topic: "The price of stocks always fluctuates around the valuation of companies, and there is government supervision in the stock market. Bitcoin itself has no value. It is priced entirely based on supply and demand and player valuations. It grows wildly without any government supervision. Therefore, it may have higher risks and higher returns than stocks. "
In the end, Gazi revealed the real purpose of today. He asked me: "Can I invest in blockchain projects? "
Gazi is a typical example of those who don't go to the Three Treasures Hall for anything. Although there is a large circle of people who are involved in both blockchain and Bitcoin, in fact, what he really cares about is "blockchain project investment" Is it reliable? "As soon as these words came out, I was extremely shocked. Now the so-called blockchain investment projects have actually reached fourth- and sixth-tier cities and small towns!
As of now, there are only three types of blockchain investments. Situation: Mining, currency speculation, so-called blockchain projects.
Mining and currency speculation are still the main lines of the blockchain (pictures quoted from the Internet)
The so-called mining is to purchase mineralsUse machines and other mining equipment to mine virtual currencies, and then sell them for cash, thereby obtaining returns. You can install the mining machine yourself, or you can find a mining pool to host it, but the core keys to profitability are "computing power" and "power consumption" as well as investment in equipment. With the sharp drop in the price of virtual currencies and the increase in mining difficulty, the current mining returns of many currencies are very unsatisfactory. Mining is obviously something only a very small number of investors who understand technology can do well, and my childhood friend Gazi obviously can’t do it.
As for "coin speculation", I have just introduced some differences between Bitcoin and stocks in the previous section. In principle, although they are both "buy low and sell high" operations, they are very different. Ordinary investors cannot determine the value of a virtual currency itself. The price is determined entirely by the relationship between supply and demand, which is somewhat similar to what we often call "market makers." On the other hand, the virtual currency trading market is extremely unstandardized, and fraud and hacker attacks often occur. The risk factor is much greater than investing in stocks. For the safety of my friends' funds, I am one of the ten thousand people who disagree with me and come to "speculate in coins"!
The "September Fourth Movement" stipulated that the issuance of virtual currencies is illegal
In fact, in my opinion, most of the so-called investment projects in the market are essentially "illegal fund-raising" and "pyramid schemes." Some so-called blockchain investment projects attract investors into the circle through various packaging and inflammatory rhetoric, and then create the illusion of profitability by building a software and hardware ecosystem of issuing new coins + mining + currency speculation, and then finally run away. Our country's laws clearly stipulate that the issuance of virtual currencies is illegal.
Illegal pyramid schemes now wear the cloak of blockchain (picture quoted from the Internet)
And how to identify some pyramid schemes under the guise of blockchain? In fact, these pyramid schemes are also so-called Ponzi schemes, what we people often call "empty gloves." These so-called "direct sales" or "marketing" activities often have no actual products to circulate, and rely more on developing "downline" to ensure top-level profits. With the rise of the concept of blockchain, this MLM model has shown an intensification trend, and it even deceives people under the banner of state support for new technologies.
When Gazi asked, “Can blockchain projects be invested in?”, I realized the seriousness of the problem. Gazi is a typical young man from a small town, and his pursuit is his wife and children. But when faced with the attraction of "wealth", people often do inappropriate things. Mining and currency speculation are simply not suitable for him, let alone blockchain investment projects that are most likely "illegal financing" or "illegal pyramid schemes"!
I quickly dialed Gazi’s phone number and conducted the above analysis carefully??
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