att配仓宝的有关报道,配仓宝att上国际大盘了
配仓宝ATT是一款投资理财软件，它提供了一系列针对国际大盘的投资服务，其中包括三个关键词：股票投资、期货投资和外汇投资。
股票投资是配仓宝ATT上最受欢迎的投资方式之一，它可以帮助投资者获得更多的投资机会，同时也能够让他们获得更多的收益。配仓宝ATT提供的股票投资服务可以让投资者以低成本投资于国际大盘，并且可以获得更多的投资机会。此外，配仓宝ATT还提供了一系列的投资分析工具，可以帮助投资者更好地进行投资决策。
期货投资是另一种投资方式，它可以帮助投资者获得更多的投资机会，同时也能够让他们获得更多的收益。配仓宝ATT提供的期货投资服务可以让投资者以低成本投资于国际大盘，并且可以获得更多的投资机会。此外，配仓宝ATT还提供了一系列的投资分析工具，可以帮助投资者更好地进行投资决策，以及更好地把握市场走势，把握投资机会。
外汇投资是配仓宝ATT上另一种受欢迎的投资方式，它可以让投资者以低成本投资于国际大盘，并且可以获得更多的投资机会。配仓宝ATT提供的外汇投资服务可以帮助投资者获得更多的投资机会，同时也能够让他们获得更多的收益。此外，配仓宝ATT还提供了一系列的投资分析工具，可以帮助投资者更好地进行投资决策，以及更好地把握市场走势，把握投资机会。
总之，配仓宝ATT提供的股票投资、期货投资和外汇投资服务可以让投资者以低成本投资于国际大盘，并且可以获得更多的投资机会，从而获得更多的收益。配仓宝ATT还提供了一系列的投资分析工具，可以帮助投资者更好地进行投资决策，以及更好地把握市场走势，把握投资机会。
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1. Have you ever heard of Allocation Treasure? What does it do?
I have never heard of this Allocation Treasure. The name sounds like it has something to do with stocks.
2. How to define blockchain and what are the application scenarios of blockchain?
Nowadays, many people think that blockchain is a universal technology that can do anything. Blockchain technology is a myth!
Regarding the definition of blockchain technology, American scholar Melanie Swann defined blockchain technology as an open, transparent and decentralized technology in her book "Blockchain: A New Economic Blueprint and Introduction" database.
Definition of Blockchain: Narrow VS Broad
As for the application scenarios of blockchain technology, it is natural to combine the differences between blockchain and other technologies. In terms of system characteristics.
Blockchain technology features include:
Blockchain is a global A database storage system that can be operated collaboratively in various places is different from traditional database operations where read and write permissions are in the hands of a company or a centralized authority (a characteristic of centralization). Blockchain believes that anyone with the ability to set up a server can participate. Nuggets from all over the world have deployed their own servers locally and connected to the blockchain network to become a node in this distributed database storage system; once joined, the node enjoys exactly the same rights as all other nodes and obligations (decentralized, distributed characteristics).
At the same time, those who provide services on the blockchain can perform read and write operations on any node in the system. In the end, all nodes around the world will complete the process again and again according to a certain mechanism. Synchronize in sequence to achieve complete consistency of data in all nodes in the blockchain network.
At the beginning of this year, the term blockchain began to enter everyone’s lives. From national leaders to aunts who dance square dances, everyone knows this term. This term is widely known by Bit Brought by coins.
As we all know, the first few dozen bitcoins could only be exchanged for one pizza. At its peak, it was worth more than 20,000 US dollars, which has skyrocketed by more than a thousand times. This has also benefited a large number of wealthy people. Currently, there are blockchain The virtual currency generated by technology is gradually entering everyone's life, and many people have joined the ranks of currency speculation. I often hear people say that if you buy the right currency a hundred times, a bicycle will become a sports car, and one coin will turn a young model. You can imagine how many of them are involved. Attractive.
Since 2008, various games applying blockchain technology have also become popular, such as development games (Network Letts Dog, 360 Block Cat), mining games (NetEase Planet, Virtual Earth, Gongxinbao), these are attracting everyone to join in the name of blockchain, and of course there are some that are really reliable, which requires everyone to identify them carefully.
Blockchain is a distributed ledger (database) technology that connects data blocks in an orderly manner and cryptographically ensures that they cannot be tampered with or forged. In layman's terms, blockchain technology can achieve openness, transparency, non-tampering, non-forgery, and traceability of all data information in the system without the need for third-party endorsement. As an underlying protocol or technical solution, blockchain can effectively solve the problem of trust and realize the free transfer of value. It has broad prospects in the fields of digital currency, financial asset transaction settlement, digital government affairs, and certificate deposit and anti-counterfeiting data services.
Digital currency
After experiencing physical objects, precious metals, banknotes and other forms, digital currency has become the development direction of the digital economy era. Compared with physical currency, digital currency has the characteristics of easy portability and storage, low circulation cost, convenient use, easy anti-counterfeiting and management, breaking geographical restrictions, and better integration.
Bitcoin technically implements an electronic cash system in which both parties to the transaction can directly transfer funds to each other without the need for third-party transfer or arbitration. In June 2019, the Internet giant Facebook also released a white paper on its cryptocurrency Libra. Whether it is Bitcoin or Libra, the underlying technology they rely on is blockchain technology.
my country began the development of central bank digital currency as early as 2014. my country's digital currency DC/EP adopts a two-tier operating system: the central bank does not directly issue digital currency to the public. Instead, the central bank redeems the digital currency to various commercial banks or other legal operating institutions, and then these institutions exchange it for public supply. its use. In early August 2019, the central bank held a video conference on work for the second half of the year. The meeting called for accelerating the pace of research and development of the national legal digital currency.
Financial asset transaction settlement
Blockchain technology naturally has financial attributes, and it is causing disruptive changes in the financial industry. In terms of payment and settlement, under the blockchain distributed ledger system, multiple market participants jointly maintain and synchronize a "general ledger" in real time. Payment, clearing, and settlement that currently take two or three days can be completed in just a few minutes. tasks, reducing the complexity and cost of cross-bank and cross-border transactions. At the same time, the underlying encryption technology of the blockchain ensures that participants cannot tamper with the ledger, ensuring that transaction records are transparent and safe. Regulators can easily track on-chain transactions and quickly locate high-risk capital flows. In terms of securities issuance transactions, traditional stock issuance processes are long, costly and complex. Blockchain technology can weaken the role of underwriting institutions and help all parties establish a fast and accurate information exchange and sharing channel. Issuers handle issuance on their own through smart contracts, and regulatory authorities With unified review and verification, investors can also bypass intermediaries and conduct direct operations. In terms of digital bills and supply chain finance, blockchain technology can effectively solve the financing difficulties of small and medium-sized enterprises. The current supply chain finance is difficult to benefit small and medium-sized enterprises in the upper reaches of the industrial chain, becauseBecause they often have no direct trade relations with core enterprises, it is difficult for financial institutions to evaluate their credit qualifications. Based on blockchain technology, we can establish a consortium chain network covering core enterprises, upstream and downstream suppliers, financial institutions, etc. The core enterprises issue accounts receivable vouchers to their suppliers. After the bills are digitized and uploaded to the chain, they can be uploaded to the supplier Transfer between them, each level of supplier can realize the corresponding amount of financing with the digital bill certificate.
Digital Government Affairs
Blockchain can make data run and greatly streamline the service process. The distributed technology of blockchain can allow government departments to be centralized on one chain, and all service processes are delivered to smart contracts. As long as the service personnel pass the identity authentication and electronic signature in one department, the smart contracts can be automatically processed and transferred, and the subsequent steps can be completed in sequence. All approvals and signatures. Blockchain invoice is the earliest application of domestic blockchain technology. The tax department launched the "Tax Chain" platform for blockchain electronic invoices. The tax department, the issuer, and the payee join the "Tax Chain" network through unique digital identities, truly realizing "instant invoicing for transactions" and "instant reimbursement after invoicing" - in seconds Level invoicing and minute-level reimbursement accounting greatly reduce tax collection and management costs, and effectively solve problems such as data tampering, over-reporting of one ticket, and tax evasion. Poverty alleviation is another practical application of blockchain technology. Utilize the characteristics of openness, transparency, traceability, and non-tampering of blockchain technology to achieve transparent use, precise investment, and efficient management of poverty alleviation funds.
Evidence-based anti-counterfeiting
Blockchain can prove the existence of a file or digital content at a specific time through hash timestamps, and it is open, non-tamperable, and traceable. It provides perfect solutions for judicial forensics, identity certification, property rights protection, anti-counterfeiting and traceability, etc. In the field of intellectual property, the digital signature of blockchain technology and on-chain certificates can confirm the rights of text, pictures, audio and video, etc., and create and execute transactions through smart contracts, allowing creators to regain pricing power and preserve data formation in real time. The evidence chain covers the three major scenarios of rights confirmation, transaction and rights protection. In the field of anti-counterfeiting and traceability, blockchain technology can be widely used in various fields such as food and medicine, agricultural products, alcohol, and luxury goods through supply chain tracking.
Data services
Blockchain technology will greatly optimize existing big data applications and play a huge role in data circulation and sharing. In the future, the Internet, artificial intelligence, and the Internet of Things will generate massive amounts of data. The existing centralized data storage (computing model) will face huge challenges. Edge storage (computing) based on blockchain technology is expected to become a future solution. Furthermore, the non-tampering and traceability mechanism of blockchain ensures the authenticity and high quality of data, which becomes the basis for all data applications such as big data, deep learning, and artificial intelligence. Finally, blockchain can realize multi-party collaborative data calculations while protecting data privacy, and is expected to solve the problems of "data monopoly" and "data islands" and realize the value of data circulation. In view of the current development stage of blockchain, in order to meet the generalIn response to the blockchain development and application needs of business users, many traditional cloud service providers have begun to deploy their own BaaS ("Blockchain as a Service") solutions. The combination of blockchain and cloud computing will effectively reduce enterprise blockchain deployment costs and promote the implementation of blockchain application scenarios. In the future, blockchain technology will also play an important role in many fields such as charity, insurance, energy, logistics, and the Internet of Things.
The three words "blockchain" were completely ignited during the Spring Festival that just passed, and the limelight overshadowed everything else. Some people said that this was the arrival of a new era, and the past It has become a classic, and some people say that it is all hype and is ultimately a bubble.
In fact, blockchain technology is not a new concept. It has been applied to many industries, such as electronic signatures, as early as the past two years. Recently, the third-party electronic signature platform eShanbao revealed the latest progress of blockchain applications to NewSeed.
Currently, blockchain technology is mainly used in e-signing products for certificate deposit and certificate issuance. The application scenarios include copyright protection and online signing. , web page forensics, phone recording, email storage of evidence, etc.
Take the rights protection of online works as an example. Since online rights protection generally adopts the method of collecting evidence after the fact, real-time confirmation of rights is not carried out in the process of evidence generation, so the entire confirmation process is difficult. The copyright process is time-consuming, difficult and costly to obtain evidence, and extremely difficult to prove and trace the source. It cannot meet the characteristics of rapid dissemination and large quantity of online works.
eShanbao's new intellectual property protection solution based on timestamp + blockchain starts from the user's real-name authentication and solidifies the information generated in the process in real time. Electronic data, and through the time source service synchronized with the National Time Service Center, online works are stamped with legally valid timestamps to prove that electronic files have not been tampered with in a certain period of time. Blockchain technology can establish point-to-point trust in the network, ensuring that all blockchain nodes can record complete copyright confirmation and transaction records, and can trace their origins, truly realizing anti-repudiation and anti-tampering, and realizing a kind of distribution. trust infrastructure.
Founder and CEO Jin Hongzhou believes that the application of decentralized blockchain technology has greatly improved the efficiency of data storage and certification, and The credibility of the identity of the parties reduces the cost of trust, but it cannot replace the original centralized public key encryption technology. The two should complement each other. Through the combination of the two, it can provide users with real-time and reliable Confirmation plan.
Next, e-Shanbao will also focus on building a smart contract platform based on blockchain technology. Jin Hongzhou said that data storage, The certificate is onlyThe relatively superficial application based on blockchain technology is the first step to realize the implementation of blockchain technology, and the realization of real smart contracts is the second step. "Smart contracts cannot simply be understood as electronic contracts. They refer to a process, from the conclusion of the contract to the confirmation to the final execution." Jin Hongzhou explained.
From a technical perspective, blockchain is not a brand-new technology, but a new application model of computer technologies such as distributed data storage, point-to-point transmission, consensus mechanisms, encryption algorithms, and smart contracts. Specifically, blockchain technology is a technical solution that collectively maintains a reliable database in a decentralized, high-trust manner.
Due to its advantages such as "decentralization", "distributed data storage", "traceability", "anti-tampering", and "openness and transparency", blockchain technology can effectively solve data problems. By establishing a trustworthy data management environment, we can prevent and avoid various data management problems such as data fraud, tampering, and loss, and promote the efficient sharing and application of data. In the process of practice and exploration, the application scope of blockchain technology continues to expand, especially in the field of public resource transactions, and continues to empower public resource transaction management services.
Facilitate transaction data sharing and transaction witnessing
Facilitate transaction data Share
Currently, the data of different trading centers are not interoperable, and the subject information of different trading centers needs to be entered repeatedly. It is difficult to verify the off-site performance provided by the bidders during the bid evaluation process. It is difficult to troubleshoot the same person repeatedly serving as project manager. Issues such as low cost of breach of trust. Establishing a cross-regional subject database based on blockchain can well alleviate the above problems.
The distributed ledger feature based on the blockchain can effectively ensure the real-time or quasi-real-time sharing of data, and can reduce the repeated entry of subject information; the use of blockchain information that cannot be tampered with can ensure the data circulation process on the chain. The authenticity of the bidders in the regional alliance is directly obtained from the on-chain data, making it impossible to hide the fake performance. At the same time, the sharing of bidding behavior data through the blockchain provides a data basis for the development of "joint punishment of dishonest enterprises".
Blockchain-based transaction witness
"Guiding Opinions on Deepening the Integration and Sharing of Public Resource Trading Platforms" ( The State Office Letter [2019] No. 41) pointed out the need to optimize services such as witnessing, venues, information, files, and expert extraction. However, at present, public resource transaction process witnessing is mainly based on manual on-site witnessing, which has limited witnessing intensity, high occupation of human resources, and limited witnessing effect. Due to its centralized characteristics, the traditional digital witness system is prone to data tampering, and the data is easily damaged or lost during the storage and migration process, which has certain flaws in terms of security and usability.
Utilize the distributed, difficult to tamper, and traceable characteristics of the blockchain to solidify and store the data generated in each transaction link, and accurately record the data generated through time stamp technology, summary algorithm, and electronic signature technology. Time, content, data source. According to the technical characteristics of the blockchain, simple structured data can be directly saved on the blockchain. For unstructured layout files, videos, audio and other large files, the summary information and original files can be saved through the blockchain. Save via a distributed file storage service. When there are disputes or problems in a transaction, the blockchain can provide a set of credible transaction process data and clarify the responsibilities of all parties involved in the transaction. Achieve the goals of risk prevention and control in all aspects, traceability of the entire process, and improvement of all-round services.
Promote the rationalization of electronic guarantee rates
Promote financial services and corporate financing for bidding companies
Promote the rationalization of electronic guarantee rates
At present, electronic bidding deposit guarantee letters have certain applications in the field of bidding, solving the problem of bidding deposit funds for bidding companies. Occupancy issues. However, because financial institutions currently do not have reliable historical bidding behavior data of bidders, they are unable to judge the default risks of different bidders. As a result, the guarantee services charged to bidders adopt fixed rates, which makes a small number of bids with high default risks The cost of personal guarantee is allocated to most bidders with low default risk, which increases the guarantee rates for most bidders to a certain extent.
At present, it is up to the bidder to choose whether to use an electronic letter of guarantee, and the rate is the main choice basis for the bidder. If the bidder performance records are shared through the blockchain and the performance risks of different bidders are analyzed, it will be Different bidders provide different guarantee rates, which not only reduces the risks of financial institutions, but also reduces the use costs of most bidders and promotes the use of bid guarantees. To a certain extent, it can also encourage bidders to abide by their promises and maintain the order of the bidding market. .
Promote financial services for bidding companies
The bidding behavior of bidders is scattered in various trading centers, and the data is simply aggregated In a centralized information system, there is a risk of data tampering (untrustworthy), and valuable bidder transaction behavior data cannot be gathered and shared safely and reliably. Through blockchain technology, bidders from multiple trading centers are gathered, and historical bidding, winning bids, defaults, violations and other behavioral records provide data support for financial institutions to evaluate the bidders' credit in the bidding sub-sector.
Solving the financing problems of successful bidders
Traditional corporate loans mainly evaluate the company’s solvency: collateral, audited statements, sustainable profitability, etc. are required, but most small and medium-sized enterprises cannot provide these "proofs" at all. Difficulty and expensive financing have become problems faced by many small and medium-sized enterprises in bidding activities. Using the methods of the past will no longer work. To solve the financing difficulties of small and medium-sized enterprises, we can only rely on new technologies and new tools. With the help of the non-tamperable characteristics of blockchain, primary business data from multiple trading centers are gathered, and big data analysis technology is combined to build a portrait of a credible bidder. On the one hand, it improves the risk control level of financial institutions and taps high-quality bidding companies. On the other hand, it lowers the loan threshold for bidding companies and optimizes the service experience.
Drawing on the supply chain finance model, the bidder is a core enterprise with good credit in government departments, national enterprises and institutions, and the winning contract obtained by the winning bidder as a supplier is considered by financial institutions to be a high-quality asset. Apply for a loan from a financial institution. Under the traditional paper-based model, there is a risk of order and contract fraud and the process is cumbersome. Centralized information systems require operators to have strong authority. The distributed ledger and difficult-to-tamper characteristics of the blockchain will help solve the above problems. The contract signing between the tenderer and the bidder and the subsequent financial service links will be realized on the blockchain, which not only solves the problem of data credibility but also reduces the risk of corruption. The entire system relies on a centralized authority.
Through further analysis, we found that credit sales are currently prevalent among domestic enterprises, and the upstream suppliers of the winning bidder have a large funding gap. The credit of the bidder can only be passed to the winning bidder (the winning contract cannot be split or transferred), and the upstream suppliers Business owners are unable to obtain high-quality loans from financial institutions. If the winning contract is converted into a "pass" on the chain, the "pass" can be split, and the winning bidder holding the "pass" can pay part or all of the voucher to the upstream supplier, making it discountable and financing. The "tokens" on the chain can be split and transferred from first-level suppliers to second-level (and multi-level) suppliers, thereby allowing core enterprise credit to be transferred to multi-level suppliers. The shortage of funds from suppliers due to credit sales has been solved, improving the business environment; through value transfer through the blockchain, the financing cycle has been greatly shortened; the cost of supplier loans has been reduced, which will help reduce the production costs of raw materials or intermediate products, and ultimately Increase bidders' profit margins and indirectly reduce bidders' costs.
Regarding blockchain, we can imagine a decentralized management model and technical processing method.
Let me give you an example. There are five people in your family, and they have never been able to figure out how to arrange work and handle family relationships.
So, you and your family discuss it together and simply use voting to solve the problem.
Then this way of voting to solve problems can be called the most elementary blockchain.
Decentralization solves problems.
What application scenarios can blockchain have?
In fact, many of our families and organizations use blockchain management every day.Management form
However, this blockchain application for organizational relationships cannot generate economic value.
What are the economic applications of blockchain?
The first type is used for tax deposit certificates, bank transfers, etc.
Make full use of the traceability function of the blockchain so that all records can be retrieved and queried at any time
The second type is applied to enterprise operation and management
Enterprises using blockchain management can better solve the problems of enterprise development and allow enterprises to Able to develop faster and make more money.
Summary: The application scenarios of blockchain include taxation, bank transfers, etc., and can also be applied to business operations.
The characteristics of blockchain are distributed accounting and decentralization, but the ultimate goal is to make people get along more equally. Technology is meaningful only when it serves human values, and technology that meets human value needs will develop. Therefore, blockchain is in line with human pursuit of freedom and equality, so its trend to become mainstream is unstoppable.
Currently, there are many blockchain gimmicks, which are basically used to issue coins. The newly launched ono is a decentralized, free and global social platform. Due to decentralization, your chat communication information is peer-to-peer and cannot be viewed by others. In other words, your every word and deed will no longer be recorded and reviewed at any time like it is now on WeChat, QQ, and Facebook, freeing you from the trouble of surveillance.
In fact, blockchain technology can be used in any field. Information that previously required third-party confirmation can be completed online and confirmed at multiple nodes, making it difficult (almost impossible) to delete.
At present, blockchain is still in its infancy, and the technology is not mature enough, but it is also a better time to enter.
Blockchain is a decentralized technology. Blockchain can be applied to all products currently covered by the Internet.
The most popular application industry at present is the financial industry.
An application that has been implemented is product traceability. Alibaba and JD.com are already using blockchain technology to fully trace the origin of some of the products they sell. Consumers can trace the origin of the purchased products. There are also many blockchain applications in the digital advertising industry. Since digital advertising traffic fraud causes losses of tens of billions of dollars every year, there are already blockchain application projects based on digital advertising, such as DCAD, which is based on blockchain. The digital advertising application of blockchain technology mainly solves the problem of traffic fraud
In the future, as the application of blockchain technology becomes more mature, it will be applied in many industries, creating a new ecosystem based on technological trust. Mode
What is blockchain If blockchain is explained in layman terms, blockchainIt is a place to store data, but the data stored in the blockchain is safe and reliable and no one needs to take care of it. Therefore, in the Internet, a place where data and information explode, having such a place will be like a fairy treasure.
If you ask what the blockchain can do, it is better to say what applications require the use of the blockchain. As mentioned earlier, blockchain is a safe place, so wherever data needs to be protected securely on the Internet, blockchain technology needs to be used. For example:
Because the use of blockchain technology can better protect the data of policyholders, in today’s Internet, data is value and wealth, so value protection and value transmission are the future development directions of the Internet. And blockchain technology can really do just that.
If there are any deficiencies, you are welcome to comment and correct me.
In a narrow sense, blockchain is a chained data structure that combines data blocks in a sequential manner in chronological order, and is cryptographically guaranteed to be non-tamperable and non-tamperable. Fake distributed ledger.
The two parties involved in the transaction do not need to know who the other party is, nor do they need a third party for trust endorsement. They only need to trust a common algorithm to establish mutual trust and conduct direct transactions.
Its characteristics are trustlessness and decentralization. The destruction of each node's ledger has no impact on the entire blockchain. The blockchain runs point-to-point payments without a center that may cheat, and the security is greatly improved. Improved, the entire transaction network has changed from a star structure to a point-to-point P2P structure.
In the future, blockchain will be used in many fields and will have a great impact on human life. . It can be widely used in fields ranging from digital currency to securities and financial contracts, medical care, games, artificial intelligence, smart contracts, Internet of Things, e-commerce, file storage and other fields.
1. Cloud storage
This is the statistics of current cloud storage on the Internet. In terms of volume, Google has the largest volume, which is 8,000PB. So what if we share the idle data on the Internet?
Starlight Cloud builds a blockchain data computing and storage lake through Starlight Chain, with a total storage capacity of 15,000P (approximately 15.72864 billion G) in the future. This will be more than 10 times that of Alibaba Cloud's 1500PB! It is also more than four times the size of the Taizhou Storage Center, the largest storage lake in the world after expansion.
2. Medical aspects
Using blockchain technology to save personal medical records also retains personal medical historical data, which can be used when seeing a doctor or planning for your own health in the future. Historical data can be called directly. This data is highly private, and using blockchain technology also helps protect it.Patient Privacy.
3. What are the application scenarios of blockchain?
On Oracle’s website, ten types of industry application scenarios of blockchain are listed< br />
Including finance, production, education, media, entertainment, government, retail commerce, health, medical care, supply chain, insurance, and public utilities. Isn’t it very noble? But what I want to say is these application scenarios. In the face of truly high-powered blockchain applications, these application scenarios can only hide in the corner and tremble.
Nowadays, the truly high-powered application scenario of blockchain is Ponzi application, commonly known as "Ponzi scheme". It is a smart contract-type Qianbao, a blockchain game with rolling deposits and withdrawals, an ICO for transaction purposes, and a global pension platform.
Ponzi scheme is one of the oldest application scenarios of our mankind. After the emergence of the Internet, Ponzi scheme has been upgraded to "Internet +", that is, "Internet + Ponzi scheme". The Internet empowers Ponzi schemes, so events like Qianbao's tens of billions occurred. Before the Internet era, there were few Ponzi schemes of this scale. Empowered by the Internet, deposits and withdrawals were made through mobile APPs, and finally rolled In a few years, it has reached a scale of tens of billions.
The Internet has broken down geographical restrictions, physical restrictions, capital flow restrictions, and communication restrictions. As long as you have a mobile phone, you can play the Qianbao APP. Everyone participates, everyone deposits money, and everyone withdraws money. The number of people involved in the case is said to be in the millions. Relatively speaking, it is still an online pyramid scheme (Ponzi scheme 1.0), every day. The brainwashing cannot be stopped during meetings, and violent and illegal means are used, which is simply too weak. With the rise of blockchain technology, Ponzi schemes empowered by "blockchain+" can no longer be described as becoming more powerful than a tiger. It is simply like a chicken becoming a tiger. Like the Internet, "Blockchain+" technology has truly improved application scenarios. Ponzi schemes have further upgraded on the second generation basis of "Internet+". Because of major breakthroughs in scenario enhancements and improvements, they have become Ponzi Scheme 3.0. , its characteristics are mainly reflected in the following aspects:
1. Decentralization, no leadership. The smart contract of the blockchain runs automatically, does not require human intervention, and cannot be interrupted by humans. Code rules are hard-coded and cannot be tampered with. In terms of scene improvement, it has solved the biggest pain point of Ponzi schemes for thousands of years, that is, the problem of the leader running away. Because the leader is a program and a code, the blockchain program can exist permanently and no one can delete it. I think this is the biggest breakthrough. This virtual leader is always there. He cannot run away, will not run away, and will not change. The rules will never change, and he will adhere to the Ponzi line for one hundred, one thousand, and ten thousand years. Some people may say that smart contracts can be iterated and can also be manipulated to leave backdoors. That's right, but it can also be done without iteration. Even if it is iterated, it will be transparent and visible, and it will be clear at a glance if there is a backdoor. This is the characteristic of blockchain smart contracts. If you cheat on it, it is equivalent to taking out cheat sheets under the nose of the teacher. Such smart contractsEven if the contract goes online, no one will participate. Therefore, after technical review and verification, there are no backdoors, fair rules, and irrevocable smart contracts, which can be implemented using blockchain technology. Such reliability, once verified, remains unchanged forever. This is the certainty of smart contracts. For a program, even one character of the code remains unchanged. If it is run a million or a trillion times, the result will be consistent and deterministic.
2. Process transparency. The number of depositors, address account, amount, and time; the number of withdrawals, address account, amount, and time; all are visible. The blockchain has a public ledger function, which can be viewed by everyone around the world, and the ledger data viewed by everyone is exactly the same. Why did Qian Bao lose his position? Because we can't see his backend account, how much money goes in every day, how much money comes out, and the specific details of each transaction. In this way, you can see the evaluation of your redemption ability before depositing money, and the evaluation result is absolutely certain, that is, it will not change after you deposit.
3. Complete anonymity. If you have heard of zero-knowledge proof technology. You can skip this part. To put it simply, many of the things we had in the mathematical knowledge base in the past had no application scenarios after invention. Later, it was discovered that this knowledge is very useful for anonymization. The cryptography technology in the blockchain can effectively achieve identity concealment. As we all know, Zhihu cannot achieve true anonymity in terms of technical structure, but blockchain can.
4. The rules are open and fair to everyone. Deposit one yuan, and withdraw ten yuan as rebate. This rule applies to everyone and will never change. You deposit one dollar, and first withdraw money to the person in front of you, and then the person behind you deposits money, and then withdraws money to you. Fair, right? I have reflected on this many times and think it is still fair.
5. Sustainable iteration. In low-level Ponzi schemes, the leader, product designer, profit distributor, and benefit recipient are often four in one. However, in a blockchain Ponzi scheme, the four roles can be completely separated logically. Achieve sustainable iteration. Through social-based collaboration, these projects can be iterated on forever. There are now 400 senior engineers who are developing around Bitcoin and constantly updating the code. These people don’t need to know anyone. As long as the application is valuable, they can keep iterating. Which centralized project can do this? Even a BAT-level company cannot hire so many professionals scattered around the world. This iterative method of socialization is not affected by changes in a specific person or organization.
Ponzi schemes empowered by "blockchain" use blockchain technology in different scopes, because the technology in this field is still constantly being updated. The applications of smart contracts are these two. The years just add up. The earliest blockchain application is Bitcoin. Some people think that Bitcoin itself has the characteristics of a Ponzi scheme. In 2013, I wrote an answer and pointed out implicitly that this new type of Ponzi scheme will be very lethal because it has the characteristics of a Ponzi scheme. It has the characteristics of no leader, open ledgers, no escape, and open and fair rules. Later, I also discovered that many people around me were concerned about Ponzi schemes.Preference is much higher than interest in blockchain technology. Once they hear that Bitcoin is not a Ponzi scheme, they usually walk away silently before I start talking about blockchain technology. On the contrary, if you tell them that it is a Ponzi scheme, they will then ask where to buy it. ? Of course, there is a lot of controversy over whether Bitcoin is a Ponzi scheme, because the actual application scenarios of Bitcoin are constantly expanding.
In the ICO craze, there are many air coins, which are fake Ponzi schemes and have no application scenarios. People who buy these air coins probably know that they are Ponzi schemes. , but seeing that the packaging was good, I bought it. There are estimated to be hundreds or thousands of such air coins. The scope of the cases involved spans the world, and the amount exceeds tens of billions. These ICOs use smart contracts for subscription and distribution, and then circulate on their own in the secondary market. In this case, withdrawals are not guaranteed, and some people may lose all their money. Many blockchain professionals have always wanted to draw a clear line between these applications, because although these air coins use part of the blockchain technology, there is still a centralized organization or individual behind them, with very few network nodes, and users cannot deposit funds. At that time, it was directly aggregated to an organization or individual (and therefore would be swept away). However, there is no doubt that Aircoin still uses the blockchain for deposits and raising funds, which solves part of the problem of running away and increases the scope and scope of the Ponzi scheme. Communication ability. This is what happens objectively.
Since this year, with the advancement of technology, Ponzi schemes that use smart contracts to achieve more decentralization have begun to surface. Deposits and raises are locked using smart contracts to complete a complete closed loop of deposit, subscription and withdrawal. It can already be a very pure blockchain application. There are some blockchain games that can be openly admitted. After their release, they publicly claimed that they were a Ponzi game. He said: Look, the rules are transparent, the code is visible, and the deposit contract is Locked, no escape, no human intervention, automatic withdrawal. Play early and earn early. This is a crucial breakthrough, publicly admitting that you are a Ponzi scheme, which is something that Ponzi schemes 1.0 and 2.0 could not do before (they did not dare to openly admit that you are a Ponzi scheme). incredible. The gameplay is simple and crude.
This solves a major obstacle in the previous Ponzi scheme promotion process. In the past, it relied on brainwashing to win people's heads, but now it relies on code to speak. You see, "This program won't run away on its own, right? There's no backdoor in it, right? Has the leader disappeared? Even if Satoshi Nakamoto is caught, it won't affect the continued execution of the program, right?" So the first batch of blockchain Ponzi schemes fell into the trap, right? What is important are coders who understand the code, and then these coders stand up and say that after technical verification, it is indeed such an effect, driving other people who do not read the code to join.
In addition to Ponzi scheme application scenarios involving entertainment, gambling, and fraud, blockchain also has opportunities to flex its muscles in Ponzi scheme application scenarios involving the national economy and people's livelihood, and public utilities, and can even be used extremely Dadi enhances people's sense of gain and happiness, and actually improves people's lives. For example, the application of national or global public pension platforms based on blockchain. Because this platform is based on blockchain, it can solve pension problems.Several major shortcomings of Laojin:
1. The problem of fund misappropriation. The ledger is open, and the funds are locked in a decentralized manner. No one can unlock it, except recipients who meet the rules and can withdraw funds. No possibility of appropriation.
2. Inflation problem. The current pension system adjusts coefficients every year based on a series of complex algorithms such as inflation. After adjustment, recipients are often dissatisfied because the total amount has increased, but their purchasing power has decreased. By taking advantage of the fact that virtual currency cannot be issued additionally, the inflation rate can be restrained and all the money received can be guaranteed to be real money.
3. Unpredictable problems. It is difficult for us to predict the pension withdrawal situation in 30 years, but it can be predicted in advance through smart contracts. Stimulate payment enthusiasm.
4. Policy loopholes and fairness issues. Any pension policy targets diverse groups, and there will be unfair situations. Everyone wants to pay less and get more, pay later and withdraw early. The transparency of the blockchain is down to each account, rather than a set of general policies that plug loopholes in the implementation process. Everyone is the same, pay more and get out more, pay early and get out early. It can even be inherited and never lost.
This greatly reduces the burden and cost of managing pensions by the state. Things that the existing pension system can do can still be done after using blockchain technology, such as state subsidies. Just put money into the contract, and it will be locked. There will be no fakes, such as forced payment, and every record will be true and traceable. All in all, all existing systems and rules can be put on the chain, which improves efficiency and output levels and ensures fairness without affecting the existing effects. Moreover, because the cost of the huge management system is reduced, everyone can receive The absolute number may increase a lot, which will have the effect of actually improving people's lives. Again, it will increase the sense of gain and happiness. In the matter of pensions, the subject of our trust has changed from a single national government to a national government + blockchain, and more than 50% of the process has become a fixed software program. Aren’t we more trusting in this way? If the on-chain pension system is 100% implemented, it can even break the national restrictions and be implemented by a piece of code that is honest, cannot cheat, and cannot be tampered with. Automatic deposits and automatic withdrawals. Trusting it is like trusting a dead person. There will be no mistakes.
The design of the next generation to support this generation is a great invention of our human evolution, which has accelerated the speed of social development. On the surface, it seems that the last generation on earth will suffer more, but in fact it is not. Yes, because the last generation of people on earth may not necessarily know that they are the last generation (maybe they know it in the last few seconds, but so what). What’s more, the earth has disappeared, does the last generation of people still need to withdraw funds for retirement? Obviously, no need.
The biggest disadvantage of a Ponzi scheme is that it runs away midway and the funds are broken. Blockchain has a clear technical solution to solve this problem, and it can also be proven and falsified, so , this technology is scientific. The disadvantages are eliminated and the benefits gradually emerge. Ponzi schemeThere will be greater development in the future.
I also want to ask a question. In human history, are there any things that were originally negative or useless? Later, with the development of technology, the disadvantages were eliminated or avoided, and the functions were discovered. And then become more and more useful and important?
4. Baidu: Is ATT created by Nie Yusheng legal?
It is a type of MLM coin, a complete pyramid scheme and illegal fund-raising. I don’t know why so many people are deceived and defrauded. Nie Yusheng is a repeat offender. No one files a complaint and no one cares about it. Someone in the family does this and it gives me a headache
5. What is ATT? Does ATT make money? Is ATT a pyramid scheme?
With the development of ATT today, I think that with the partial contribution of the government, ATT has no way to develop
6. What are the prospects of blockchain finance
1. In fact, blockchain The combination of chain technology and finance is no accident. Simply put, blockchain is a distributed shared ledger and database, which has the characteristics of decentralization, non-tampering, full traceability, and traceability. Finance is cooperation based on trust, and these characteristics of blockchain lay the foundation for creating trust. Blockchain technology is of great significance in solving problems in the financial field such as high credit risk, low capital utilization efficiency, and high payment processing costs.
2. In reality, Bitcoin is not equal to blockchain. Digital currency is just one of the applications of blockchain technology in the financial field. In the fields of supply chain finance, payment and clearing, trade finance, financial transactions and other fields, "blockchain +" has rich application scenarios and imagination space.
3. Industry insiders pointed out that although the application prospects of blockchain technology are broad, At present, there are only a few projects that have actually been implemented and produced social benefits. Blockchain technology is in the early stage of development and still needs to be viewed rationally. In the next step, blockchain technology should be used to explore digital economic model innovation and add impetus to the optimization of the business environment. , to provide support for promoting high-quality economic development.
7. What are the application examples of blockchain technology
The express logistics industry is very suitable for the application of blockchain technology industry.
In fact, the logistics ecosystem is relatively complex and there are many groups participating in the process.
The industry itself is a complex of segments based on the concept of "flow", starting from the initial "business flow" , gradually gave birth to "logistics", as well as the corresponding support of "capital flow" and "information flow" to complete the service chain.
There is a key issue behind the emergence of various "flows", which is the transfer of commodity ownership.
Coincidentally, many of the types of problems that blockchain technology solves are related to the trust friction generated during the transfer of asset ownership.
The application of blockchain technology can significantly improve the processing speed and efficiency of settlement business in the express logistics industry, effectively solve the problem of traceability and anti-counterfeiting of items, and fully ensure information security and the privacy of senders and recipients.
In promoting application fields in the express logistics industry, there are domestic blockchain companiesIn this application, such as Walton chain.
Last year, Waltonchain reached a strategic cooperation with Huodou (Xiamen) Technology Co., Ltd., using Waltonchain’s “RFID blockchain” technology solution to help it improve its logistics solutions and move goods to Dou puts data on the chain in all aspects of its logistics turnover, such as entering and exiting the warehouse, receiving goods and other key nodes. After deploying the reading and writing system, when the object passes through any link, the relevant data can be read by the RFID reader and writer, and the relevant data can be read by the RFID reader. The corresponding behavior is converted into data and uploaded to the blockchain. Users can trace the entire logistics process with one click.
Four business scenarios that can be implemented in the real environment are suitable for the application of blockchain technology.
Scenario 1: Insured express delivery
Revolving around the insured scenario, express companies transport goods, insurance companies provide guaranteed goods, merchants provide goods sales, sellers purchase insured services, and the government regulates the industry.
So, what should be recorded on the blockchain? There are several key points. The logistics details of the goods, accounts, identities, claims, other reference data and other information are recorded on the blockchain.
Insured price is the concept of a contract. When the customer signs for the package normally, the account claim is automatically triggered, the contract ends normally, and the premium is automatically cleared. If there is a problem or missing piece, the insurance company's claim process will be triggered.
Scenario 2: Charity express delivery
For charity activities, such as the "One Cent" campaign, one cent from the cost of each charity package is donated to the account of the charity organization . In this scenario, the express delivery company is still responsible for the transportation of goods, the public welfare organization provides the execution of public welfare activities, and the poverty alleviation merchants provide the sales of public welfare and poverty alleviation products.
Then what is recorded in the blockchain is the logistics details of the goods. After the package is signed for, it will be recorded on the blockchain, automatically triggering a transfer from the logistics company's public welfare account to the public welfare organization's account. When the public welfare activities are completed, the entire process is open and transparent, which avoids the public's distrust of social welfare activities.
Scenario 3: Industry blacklist sharing
At present, the blacklist of express delivery employees is still mainly offline. We hope that through blockchain technology, each company can record the blacklist of employees on the blockchain, and other companies can also query it, and the data cannot be modified, and can be traced back to which company this person worked in What kind of inappropriate behavior and other information.
Scenario 4: Supervision of safety incidents in postal delivery channels
Many express companies will install security inspection machines, and the government also wants to know whether each logistics company has any transportation safety hazards. Through the distributed accounting model, each express delivery company can record the effective information of the security incident on the blockchain when a security incident occurs, so that regulatory agencies can monitor it in real time and cannot be tampered with.
8. There are so many public chains, but only a few applications.
Many companies are now developing their own public chains. The entrepreneurial team is developing a public chain, some encrypted digital goodsCoin exchanges are also developing public chains. I once saw an entrepreneurial team composed of three young people not only develop their own public chain, but also proposed a new consensus algorithm. However, the current public chain market has a very embarrassing situation. On the one hand, there are endless public chain products, but on the other hand, there are very few public chain projects. Obviously, there is a clear disconnect in the implementation of blockchain products. Of course, the implementation of any new technology will take some time. For blockchain technology, a new technology that fundamentally changes the existing computing model based on centralized technology, its application will take even longer to be implemented. However, in the process of the current implementation of public chain products, there are still some aspects that can be improved to accelerate the application of public chain technology.
In the current society, there is actually no shortage of implementation scenarios for blockchain applications. Many problems in the market can actually be solved very well by applying blockchain. The strongest point of blockchain technology is the use of completely authentic and transparent information to eliminate fraud, and the use of technology to ensure the smooth completion of multi-party cooperation. If you look at it from this perspective, too many problems in reality can be solved with blockchain. For example, default on personal loans. A major motivation for defaulters is because the cost of default is very low. He can defraud one lender and then defraud another. But if everyone’s credit record is accurately recorded on the public chain, and any individual or institution can check this loan record, then the borrower’s motivation to commit fraud will be much smaller. For customers who have not been served by existing financial institutions, if their various loan records outside financial institutions are accurately recorded on the blockchain, then their personal credit history will be true and credible. . Financial institutions can lend to them based on this credit, because in this process, the cost of credit reporting is almost zero, and the high cost of credit reporting is one of the reasons why financial institutions are reluctant to lend.
At the company level, there are also a large number of places where blockchain technology can be applied, such as trade finance and syndicated loans. In the securities field, in addition to post-trade settlement, the other most direct application of blockchain technology is the financing process of investment banking projects. Since the gains from going public are huge, it is not uncommon for various participants to take desperate risks and commit fraud at various stages of financing during this process. A major fraudulent aspect of this process is falsification of information. If blockchain technology is used to manage this process, and each participant needs to be responsible for the information they upload to the chain, then each participant's incentive to cheat will be greatly reduced. Even if someone takes the risk and commits fraud, it will be very easy to collect evidence in subsequent legal proceedings, and it will be easy to form a timely and fair judgment.
So why are there so many demands in reality, but why are there so few block-based applications at the same time? In this aspect, there are both mistakes in the normal rules of products and problems in the application of blockchain technology.Specific issues.
1. The product does not match the market demand
First of all, the main reason for this situation is the mismatch between the product and the market demand, that is, the lack of Proct Market Fit. Some developers of blockchain technology focus on solving the problems of the blockchain technology itself, while neglecting to solve the problems in the market that their technology should solve. Some public chain projects always promote how good their products are and how many TPS they can achieve. But this selling point itself is wrong positioning. First of all, the measurement indicators of an enterprise-level technology product are not only performance, but also stability, security, permission control and other aspects. Secondly, the evaluation of blockchain technology in the market will first compare it with corresponding centralized solutions. In terms of performance, blockchain-based solutions are absolutely incomparable to solutions based on centralized technology. Therefore, blindly emphasizing performance cannot convince the market to accept this product.
Blockchain technology is best at solving the trust problem in multi-party cooperation. In real scenarios, many such scenarios do not require high performance. For example, the cooperation process of trade finance, or the cooperation process of various institutions in the corporate financing process. These processes focus more on factors other than performance, such as information consistency, permission control, ease of use, etc. If the public chain blindly pursues performance, then it will be completely contrary to the real needs of the market.
2. Highly competitive fields
Another major mistake in the positioning of public chain products is the development of a universal public chain that competes with Ethereum. However, the possibility of success with such product positioning is extremely small. Ethereum has a lot of problems, it’s well known. But after several years of development, it has basically become the default public chain choice in the market. There are too many public chain startup projects hoping to replace Ethereum. In such a highly competitive environment, the chances of winning are very small. In this regard, many public chain teams have made wrong choices. Choosing to join a highly competitive field. This goes against the basic rule of product development, which is to avoid competition. Remember Peter Thiel's advice to avoid competition?
An effective way to avoid competition is to use innovative methods to solve a problem in the market. Because the innovation is not initially accepted by the market, there are not many competitors doing the same thing. When innovative methods are gradually accepted by the market, this innovative product has already occupied a stable position in the market. Other teams can no longer compete with the same products. In this regard, Bitcoin invented by Satoshi Nakamoto is the best representative in this regard. Satoshi Nakamoto's original intention was to issue electronic cash to replace currency in the market. But he did not issue a currency in a way that directly competed with existing currencies. The financial properties of Bitcoin were not discovered by the market until many years later.Now, it has a large number of users and has begun to pose a huge challenge to the existing financial market. Although imitators continued to appear later, these imitators were no longer able to challenge the status of Bitcoin.
3. Difficulty in changing group behavior
The characteristics of blockchain technology also determine that it is more difficult to be accepted by the market than other products. This is because what it needs to change is a group behavior, not an individual behavior. For example, in the process of multi-party cooperation, if only one party is willing to adopt a blockchain-based solution, but the other parties have no motivation, the solution cannot be promoted. Especially when the original intention of some of the participants is to use the opacity of information to benefit themselves.
So how can we achieve the rapid implementation of blockchain technology?
First of all, I think it is okay to enter the market from a technical perspective, but it is better to enter the market from a demand perspective. That is to say, we start from a specific problem in the market to analyze how to use the area. Blockchain technology solves this problem. Given the current prevalence of mistrust and fraud in the market, finding such scenarios is not difficult. The second step is to develop it yourself or find a suitable blockchain bottom layer in the market for further development. The bottom layer of such blockchain technology does not necessarily need to be perfect in all technical indicators. It only needs to be able to satisfactorily solve the problem that needs to be solved. Take a look at the current domestic market. Some successful blockchain projects that have received market welcome and capital support are not based on any public chain projects with particularly good technical performance. In fact, these projects only use the most basic blockchain technology. Distributed storage and immutable functionality. But these underlying technologies provide good enough technical solutions for the problems that need to be solved, which is enough to create good business value.
The second is not to challenge the strongest existing strengths based on centralized technology. These include clearing in areas such as retail payments, stablecoins, securities and banking. The benefits generated by using blockchain technology in these fields may not be large enough, but the risks and resistance encountered will be very large. Therefore, the application of blockchain technology in these fields needs to be very cautious.
Third, we must use innovative ways to solve existing problems. In this regard, Bitcoin is the best example. Among the many existing problems, existing participants in the industry do not have strong incentives to adopt blockchain due to considerations such as technology, supervision, business habits, cost, time required for application implementation, and risks. The application of chain technology and blockchain technology must find a place that is very innovative and easily accepted by the market. Although the market for this initial application is not large, as long as the business and technical models applied in this area are highly scalable and targeted at a potentially huge market, as long as the project party does a good job in the top-level design of business and technology ( See my related article The Blockchain EraTop-level design); in addition, since this innovative approach may not be widely recognized and therefore will not attract competitors quickly, this approach will have enough time to gradually develop. By the time all parties in the market finally discovered the value of this innovative model, it was already too late to compete with and suppress it. This is essentially replicating Bitcoin’s successful model.
9. What are the application scenarios of blockchain?
Although blockchain technology is still in its early stages, the advantages of this technology have begun to be reflected in many applications. In all fields, blockchain can generate huge value. I believe there will be more practical application scenarios in the future,
Blockchain + cross-border payment
The current mainstream cross-border remittance method is wire transfer, and its cycle is generally three to five working days. In addition to the intermediary bank that will charge a certain handling fee, a software called SWIFT (Global Interbank Financial Telecommunication) Association) will also charge higher fees for the message exchange carried out by its system. In my country, cross-border remittances through Bank of China will be charged a single fee of 150 yuan.
The use of blockchain technology allows the remitter and payee to pay and settle directly, eliminating all intermediate costs, allowing cross-border payment and settlement to be completed quickly point-to-point, improving In addition to the speed of clearing, it can also achieve round-the-clock payment, real-time arrival, simple implementation and no hidden costs.
