区块链捐款模拟系统

区块链技术已经在最近几年取得了巨大的进展，并且在捐款方面也有了很大的改变。区块链捐款模拟系统是一种新型的捐款方式，它可以帮助慈善组织和个人更有效地收集捐款，并且更加安全可靠。本文将介绍区块链捐款模拟系统的三个相关关键词：数字货币，智能合约和可信赖的账本。

一、数字货币

数字货币是一种新型的货币，它是基于区块链技术开发的，它可以用于捐款活动，也可以用于其他商业活动。数字货币有很多优势，比如它可以支持跨境支付，可以支持实时的转账，也可以支持高效的资金管理。此外，数字货币也可以在区块链上进行捐款，这样可以更安全可靠地追踪捐款的流向。

二、智能合约

智能合约是一种基于区块链技术的自动执行的合约，它可以在捐款活动中发挥重要作用。智能合约可以帮助慈善组织和个人更有效地管理捐款，它可以自动执行捐款的活动，并且可以保证捐款的安全性。智能合约还可以帮助慈善组织和个人更好地跟踪捐款的流向，以确保捐款是否被正确使用。

三、可信赖的账本

可信赖的账本是一种基于区块链技术的账本，它可以记录捐款的所有信息，并且可以提供更可靠的账户安全性。可信赖的账本可以帮助慈善组织和个人更好地管理捐款，并且可以提供更有效的账户安全性。可信赖的账本还可以帮助慈善组织和个人更好地跟踪捐款的流向，以确保捐款是否被正确使用。

区块链捐款模拟系统是一种新型的捐款方式，它可以帮助慈善组织和个人更有效地收集捐款，并且更加安全可靠。本文介绍了区块链捐款模拟系统的三个相关关键词：数字货币，智能合约和可信赖的账本，它们都可以帮助慈善组织和个人更有效地管理捐款，以提高捐款的安全性和可靠性。

请查看相关英文文档

❶ How to build a blockchain payment system?

Instead of using the RMB channel, you can directly use digital currency to perform operations such as deposits and withdrawals. This should be what you are talking about. Most of them support BTC, USDT, and ETH. If there are others, then add EOS, that's it.

❷ What is blockchain

What is blockchain

What is blockchain? Many people don’t know what blockchain is. It is not very clear, and some people have even never heard of it. In fact, blockchain is a common one. I have compiled relevant information about what blockchain is for everyone.

What is blockchain 1

Speaking of blockchain, we have to mention its twin brother-Bitcoin.

Time goes back to 11 years ago. On November 1, 2008, the world was shrouded in the huge shadow of the financial crisis. That day, a mysterious geek who called himself "Satoshi Nakamoto" sent a group email.

Attached to the email is a paper titled: "Bitcoin: A Peer-to-Peer Electronic Cash System."

Satoshi Nakamoto said in the email that he is working on a new electronic cash system that is completely peer-to-peer and does not require any trusted third party. About half a month later, Satoshi Nakamoto released the source code of the Bitcoin system non-stop.

On January 3, 2009, an interesting invention turned out. Satoshi Nakamoto generated the first Bitcoin block on the server, which is the so-called "Bitcoin genesis block". Since then, the Bitcoin system has officially opened.

Having said that, you might as well stop and think about how we conduct cash transactions in real life.

Suppose you borrow 10,000 yuan from a friend and promise to pay it back in one month. You may choose to repay the loan by bank card transfer. The bank is responsible for deducting 10,000 yuan from your deposit account and adding 10,000 yuan to your friend's deposit account.

Here, the bank is the institution responsible for keeping accounts. The underlying reason why you choose bank transfer is that you believe it is more reliable and will help you transfer 10,000 yuan to a friend.

However, in the digital world, inventing a currency is another matter.

The hero behind the Bitcoin game

First of all, Satoshi Nakamoto hopes to conduct peer-to-peer direct transactions, bypassing the third party of the bank. This problem is easy to solve. Then there will be no banks. Users will issue their own currencies through a unique mechanism and trade directly with each other.

But this brings another problem. There is no bank as a reliable intermediary responsible for accounting, and users do not know each other. How to ensure that no one cheats during transactions?

For example, in the digital world, electronic files can be easily copied. 10 yuan of digital currency becomes 10 yuan by copying and pasting it with the mouse.00 yuan, wouldn’t it be a mess?

To solve this problem, we need to provide a mechanism for everyone to trust each other.

The method adopted by the Bitcoin system is to record all transaction processes openly and transparently in chronological order. These records are permanent and cannot be tampered with. This way you won't be able to do anything sneaky.

With these mechanisms, the Bitcoin system operates successfully.

This system stores data in units of data blocks, which are blocks. Approximately every 10 minutes, new blocks will be added. Each block records the detailed transaction process of Bitcoin and is timestamped. Different blocks are connected in chronological order through a certain algorithm, which is a chain.

Together, they are called "Blockchain".

In this way, the blockchain took root with the birth of Bitcoin. If Bitcoin is the star in front of the spotlight, blockchain is the hero behind the scenes responsible for providing a trust mechanism in the underlying technology.

Brand new changes in accounting methods

Although behind the scenes, the talent of blockchain was quickly discovered.

In technical terms, blockchain is a distributed ledger technology. To understand it, let’s take the simplest example.

Suppose your family keeps accounts like this: you, your father, and your mother each have an account book. You each record your own expenses, and at the end of each month you tally the total household expenses together.

But dad likes to buy cigarettes, mom likes to stock up on cosmetics, and you like to buy snacks. You may both miss a few entries intentionally or unintentionally, and sometimes make corrections in the ledger. Therefore, when checking the accounts at the end of the month, there is always a discrepancy with the actual expenditure of the family.

In order to change this situation, you bought a new account book. You, your father, and your mother jointly use a new account book to keep accounts, remind and supervise each other, and check each expense together.

At the same time, you also agreed that once the expenses are clearly recorded, no alteration or deletion is allowed. After trying it for a few months, you found that this joint ledger matched the actual expenses of the family much more closely.

Blockchain is the second accounting method. The little story above tells us that it has at least these major features or benefits.

First of all, it is decentralized. The database that was previously maintained by one party has become jointly maintained by multiple parties. Everyone writes data together based on consensus, and no one can control the data alone.

Secondly, it allows everyone to change from keeping separate accounts to joint accounting, which brings consistency and openness and transparency to the data.

In addition, the blockchain only allows data to be written, not deletion or modification, which prevents data from being secretly tampered with.

Mutual trust between strangers

In reality, many scenarios are much more complicated than how to keep accounts at home. Moreover, many aspects of financial transactions and business processing are mostly operated by strangers. How can we make everyone trust each other?

It’s blockchain’s turn to show its talents. Don’t forget, it can provide a mechanism for everyone to trust each other from the underlying technology.

For example, when you usually go to the wet market to buy things, you may worry about whether fish, shrimp, and vegetables are safe. Some companies see business opportunities and move the data of farmers and fish ponds to the blockchain. In this way, you will know which fish pond the fish you buy comes from, and you will feel more confident when eating.

For another example, links to fundraising for seriously ill patients often appear in Moments. When making a donation, you may have some concerns: Is the patient's condition real? Can donations really be delivered to patients?

In order to eliminate these concerns, some Internet charity organizations use blockchain to allow you to clearly view the steps for using your donation. If the review finds that the patient's condition is not true, the blockchain system will automatically return the donation to your account.

In the future, what changes can blockchain bring to our lives?

It is conceivable that when blockchain is widely used in various fields of society, it will become an important infrastructure in the information age and can solve many of the headaches that currently cause us.

For example, blockchain will allow countless islands of information to be "chained" together. When seeing a doctor, there is no need to repeat the examination just because you change hospitals. Entrepreneurs do not have to go to multiple departments to go through a procedure; many transactions no longer need to be carried out. Third-party guarantees are required, consumers no longer have to worry about non-refundable deposits, and creators do not have to worry about their works being stolen but getting nothing...

What is blockchain 2

From an academic perspective, blockchain is New application models of computer technologies such as distributed data storage, point-to-point transmission, consensus mechanisms, and encryption algorithms. Blockchain is essentially a decentralized database.

Many people still don’t understand this explanation, so let me make a simple metaphor.

Hypothetical situation: Suppose you have a ledger at home and you are asked to keep accounts. In the past, your parents gave you your salary and asked you to record it in your account book. If you are greedy and want to buy something delicious in the meantime, the record in the ledger may be less than ten yuan.

This is just an example. I believe that when we were children, everyone probably wanted to take some money from their parents’ pockets to spend.

Ways to use blockchain to solve problems:

If you use the whole family mobilization method to keep accounts, the above-mentioned problems will not exist, because you are keeping accounts, and your father They are also keeping accounts, and your mother is also keeping accounts. They can all see the general ledger. You can't change it, and neither can your parents. So your father who wants to buy cigarettes and you who want to eat have nothing to do.

Functional "blockchain"

It can not only record every transaction, but alsoCheng Lai records nearly everything of human value: birth and death certificates, marriage licenses, title deeds, degrees, financial accounts, medical histories, insurance claims, ballots, food sources, and anything else that can be represented in code.

Each block is like a hard disk, which saves all the above information and then encrypts it through cryptography technology. The saved information cannot be tampered with.

Every 10 minutes, the blockchain system will check all data generated during the period (such as transaction records and records of when the block was edited or created, etc.) and store these data in a new area. On the block, this block will be connected with the previous block to form a chain. Each block must contain relevant information from the previous block to be effective.

Characteristics of blockchain

1. Exceptionally safe:

Unlike centralized databases owned by companies or government agencies, blockchain is not controlled by anyone. or entity's control, data is replicated (distributed) in its entirety across multiple computers.

Unlike centralized databases, there is no single entry point for attackers, and data security is more guaranteed.

2. Non-tamperability:

Once entered into the blockchain, no information can be changed, and even the administrator cannot modify this information.

Once something appears, it cannot be changed. This attribute is of great significance to the changeable and ever-changing online world that humans currently live in.

3. Accessible:

All nodes in the network can easily access information.

4. No third party:

Because the blockchain is decentralized, it can facilitate peer-to-peer transactions, so whether you are trading or exchanging funds, there is no need for a third party of approval.

Blockchain itself is a platform.

Blockchain technology refers to a way for all people to participate in accounting. There is a database behind all systems. You can think of the database as a big ledger. Currently, each is keeping its own account.

Since there is no centralized intermediary agency, letting everything run automatically through preset programs can not only greatly reduce costs, but also improve efficiency. And since everyone has the same ledger, it can ensure that the ledger recording process is open and transparent.

Blockchain technology is the underlying technology of Bitcoin. Without the operation and management of any centralized organization, Bitcoin has been operating very stably for many years without any problems, so some people have noticed its The underlying technology abstracts the Bitcoin technology and calls it blockchain technology, or distributed ledger technology.

According to a report released by Santander, Spain’s largest bank, if all banks around the world use blockchain technology around 2020If so, it could save approximately US$20 billion in costs every year. Such data is enough to illustrate the tremendous changes and breakthroughs that "blockchain" has brought to the traditional financial field.

Cloud computing is usually defined as providing dynamic, easily scalable and often virtualized resources through the Internet, but it is often a centralized organization that provides a cloud computing platform. The network composed of blockchain generally does not have a specific organization, so blockchain is closer to the definition of a distributed computing system and is a type of distributed computing.

The future development and application scenarios of blockchain

1. Digital identity

Many people will encounter "prove that my mother is me" when applying for various certificates. "Mom" dilemma, with blockchain, you no longer have to worry about it.

It turns out that our birth certificates, real estate certificates, marriage certificates, etc. need a central node for everyone to recognize them. Once cross-border, contracts and certificates may become invalid because of the lack of a global central node.

The non-tamperable nature of blockchain technology has fundamentally changed this situation. Our birth certificates, real estate certificates, and marriage certificates can all be notarized on the blockchain and become things trusted by the world. , of course, it can also easily prove "my mother is my mother".

2. Health care

Simply put, it is to use the blockchain to establish a universal record repository with timestamps, so that different databases can extract data information.

For example, when you go to see a doctor, you don’t have to change hospitals for repeated examinations, and you don’t have to worry about reimbursement for medical insurance, which can save time and expenses.

3. Travel consumption

For example, we often use apps such as Ctrip and Meituan to find and place orders for hotels and other services, and each platform gets commissions from them.

The application of blockchain is to remove middlemen and create a secure, decentralized way for service providers and customers to connect and trade directly.

4. More convenient transactions

Blockchain can make payments and transactions more efficient and convenient. The blockchain platform allows users to create smart contracts that become active when certain conditions are met, meaning that automatic payments can be released when both parties to a transaction agree that their conditions are met.

5. Strictly control product quality

If you buy an apple, with blockchain technology, you can know the entire process from the production of the fruit farmer to the circulation link. Among them are government regulatory information, professional testing data, enterprise quality inspection data, etc. A smart supply chain will make the food we eat and the products we use every day safer and give us more peace of mind.

6. Property rights protection art

The creator puts his work on the blockchain, and if someone uses his work, he can immediately Know. The corresponding royalties will also be automatically paidPay the creator.

Blockchain technology not only protects copyright, but also helps creators sell their works to consumers better and more directly, without the need for the assistance of distribution companies.

What is blockchain 3

Advantages of blockchain

Decentralized, it does not require the intervention of a third party and enables point-to-point transactions, coordination and collaboration. Because the data is distributed in various nodes through algorithms and has a unique verification mechanism, no one organization or individual can control the global data. Since it is distributed in various nodes, any node stopping work will not affect the entire system. Operation, this decentralized network will greatly improve data security. The data in the system is jointly maintained by various nodes with maintenance functions.

Openness, in addition to the encryption of private information of all parties in the system, the blockchain data is open to everyone, and anyone can query the blockchain through the public interface Data and development related applications, so the entire system information is highly transparent.

Where does blockchain come in?

Blockchain is an open, transparent, decentralized and secure technology. This technological revolution is applied to the Internet. For data-sensitive fields such as medical care, public opinion supervision, and ecological testing, it can prevent data from being tampered with and ensure the authenticity of the data.

In short, blockchain is not just a method of virtual currency, its advantages will play an important role in many industry fields

❸ Energy Blockchain Research | Energy Industry Blockchain Use Cases

If implemented correctly, blockchain technology has the potential to revolutionize every aspect of the energy industry.

As the energy industry becomes increasingly decentralized, blockchain technology is ideally positioned as a major disruptive force. In fact, companies around the world are already developing blockchain applications to create direct connections between energy producers and consumers.

Blockchain is a virtual public ledger that records transactions in a secure and transparent manner without the need for third parties such as banks, public institutions or electricity providers to act as intermediaries. But how exactly can blockchain be used to improve operations in this area? Let’s explore some of the most exciting applications of this promising technology in the energy sector.

Energy Sector

◆Facilitates peer-to-peer energy trading◆

Traditional energy delivery models rely on centralized power plants millions of miles away, which are located Electricity is transported on transmission and distribution lines, commonly known as the "grid". The less discussed “microgrids” are local grids that can connect and disconnect from the traditional grid when necessary. Microgrids use local energy sources such as wind and solar power to power local loads together.

Microgrids enable consumers to both produce and consume energy, giving them the opportunity to become "product consumers." as a producer, they are able to sell any surplus energy they may have on a pay-per-use basis to peers connected to the same microgrid. Blockchain technology facilitates this peer-to-peer energy trading by providing microgrid members with a secure and transparent distributed ledger. This provides a highly reliable and cost-effective way to create, verify, record and coordinate peer-to-peer energy transactions in real time.

Energy Sector

◆Let electric vehicles continue to drive◆

According to data from BloombergNEF, global electric vehicle sales exceeded 2 million units in 2018, more than at the beginning of this century There is a significant increase in the number of thousands of vehicles a year. Additionally, Bloomberg expects this number to increase to 10 million by 2025 and 56 million by 2040.

With more and more electric vehicles on the road, private charging stations are likely to become valuable assets, requiring an efficient system to coordinate energy transactions between drivers. Blockchain technology can be used to create a system that can monitor electricity prices, make pricing decisions in specific markets, and enable charging station owners to conduct secure transactions.

Energy Sector

◆Simplify regulatory procedures ◆

Energy companies need to submit large amounts of data to regulators to prove their compliance with various regulations. Collecting and cleaning all this data using current technology is not only tedious, but also creates serious problems related to incorrect data access. The more data you process, the more people you need to be involved, and the greater the chance of accidental exposure of sensitive company information.

Because blockchain ledgers are both immutable and completely transparent, introducing them into energy companies’ operations will give regulators the greatest confidence that the data they receive is unedited. The introduction of blockchain will also give energy companies unparalleled control over what information is shared with whom, all but eliminating the possibility of sensitive data falling into the wrong hands. To boot, blockchain technology introduces the ability to standardize data collection and transmission formats.

Energy Sector

◆ Expanding energy access ◆

Many communities around the world are not connected to the grid. Energy in these communities often comes from local solar panel projects, many of which do not receive adequate funding.

Crowdfunding can help close this financing gap. The idea here is for individuals or other small investors to pool their resources to purchase enough photovoltaic cells to build the necessary number of solar panels for a given community without electricity. These micro-investors retain partial ownership of the solar panels and earn income, with the community paying a marginal amount each month for the electricity generated by the solar panels.

Introducing blockchain technology into this process will alleviate many of the problems that plague traditional crowdfundingquestion. First, blockchain-based crowdfunding will enable anyone with an internet connection to donate to a campaign, which is simply not the case with traditional crowdfunding platforms. Additionally, just like peer-to-peer energy trading within microgrids, blockchain technology can reduce the overall cost of monthly transactions between solar panel owners and the community powered by the panels. Finally, because blockchain is completely secure and transparent, blockchain greatly reduces the chance of crowdfunding fraud. On the contrary, it is difficult for traditional crowdfunding platforms to eradicate this kind of fraud.

Energy Sector

◆ The bright future of blockchain◆

These use cases show that blockchain applications have the potential to revolutionize our energy consumption, transactions, Regulation and financing methods. Once key stakeholders in the energy industry get involved, blockchain may well become the key to keeping the lights on for millions of people around the world.

National Energy Information Platform contact number: 010-65367702, email: [email protected], address: People’s Daily, No. 2 Jintai West Road, Chaoyang District, Beijing

❹ Block What are the companies developing blockchain virtual currency trading systems?

Blockchain technology has already had many applications in practice, but there is still a long way to go before the technology is truly mature.
For now, Yingtang Zhongchuang is an enterprise that uses blockchain technology to develop system software, including trading systems, platforms and virtual currency wallets. These products have a certain degree of stability and security when developed. Sex is a relatively mature one among many development plans.

❺ How to build a blockchain trading system

01

First of all, blockchain combines a variety of technologies, including computing, economics, cryptography, etc., combining these disciplines as The foundation of blockchain.

02

Secondly, combine the blockchain with the corresponding network, and then use mathematical knowledge to establish the relationship between the blockchains. This makes the blockchain a system that can operate independently.

03

The blockchain transaction system has been transformed from the original single central system control into a flexible social circulation, allowing resources in any field to circulate here and improving work efficiency.

04

Blockchain digital assets are built on various network platforms. These platforms involve multiple asset fields, including issuers, traders, exchanges, circulation channels and other institutions.

❻ Blockchain makes charity more transparent and efficient

Introduction: Binance Charity Head: Will use blockchain to make charity more transparent and efficient. What do you think?

At present, charity is developing rapidly, especially with the rapid popularization of mobile Internet and the improvement of people's awareness of helping others. Charity has gained more and more support and attention. However, charity is also facing many problems. Among them, the opaque donation of Cizhen Pi Yingshan and the low efficiency of charity work are the two most critical points, which need to be solved. Blockchain is likely to provide technical support for charity and solve key problems. .

The decentralized characteristics of blockchain can change the way charity funds are reserved. Currently, almost all donations are aggregated into a centralized bank account for storage and summary. This provides loopholes that can be exploited by anyone who has the account password, and donations may be embezzled by individuals. The application of blockchain technology can reduce the need for third-party institutions to hold back during the transaction process. Donors no longer need to fully trust charities and charitable organizations. The entire charitable donation system will be owned and maintained by all donors and beneficiaries.

The traceability feature of blockchain can allow donations to be used in real places. At present, there are great difficulties in tracking donations, and it is impossible to implement every donation. Using this money where it is really needed is undoubtedly more in line with the donor's wishes and the original intention of the charity, and can also bring tangible benefits to the recipients of the charity. Blockchain can automatically monitor the flow direction of donations through smart contract platforms, so that donations can be used in real places.

❼ The financial industry must have sufficient understanding of blockchain

A survey report released by PricewaterhouseCoopers in mid-April 2017 showed that China’s financial practitioners have not yet had a clear understanding of financial technology. Sufficient attention has been paid to the fact that in the already widely used blockchain technology, 30% of the respondents said they did not know about blockchain technology at all, and 40% of the respondents had only read about blockchain in the news. technology, which shows that the penetration of financial technology is still low.
I often say that with the birth of Yu’ebao as a symbol, China’s Internet finance is surging, ahead of the trend, and making countries around the world look at it with admiration. However, due to insufficient understanding of the nature of Internet finance, the conservative thinking in the traditional financial industry vigorously counterattacked. Regulatory authorities were faced with a formidable enemy and under the control of conservative thinking, this industry was almost strangled.
As China launches rounds of rectification and regulatory "movements" targeting Internet finance, developed countries in Europe and the United States have taken the opportunity to increase investment and vigorously develop technology finance. Artificial intelligence investment advisors, digital currency supported by blockchain technology, and various artificial intelligence financial services including facial recognition, fingerprint encryption, intelligent voice and other technologies have begun to be applied to the financial field.
TechnologyFinancial development can be described as changing with each passing day. The world's largest asset management companies, insurance companies, etc. have gone from R&D to production in smart investment advisory and have now begun to put it into use; Bitcoin, the blockchain digital currency, has begun to enter the field of settlement means in Japan, Canada, etc., and the United States has already Blockchain is used in oil market transactions.
China has obviously fallen behind in the development of science and technology finance. This can be seen from the above PwC survey of bank employees. The current research and use of blockchain in Chinese commercial banks are conceptualized at a shallow level.
In early January 2017, Postal Savings Bank launched a blockchain-based asset custody system. The asset custody system is based on the four major mechanisms of blockchain, including shared ledgers, smart contracts, privacy protection, and consensus mechanisms. An asset custody business scenario is selected in which five roles, including asset entruster, asset manager, asset custodian, investment consultant, and auditor, participate together to realize the information sharing of the custody business and the supervision of asset usage. It is particularly worth noting that the blockchain solution enables real-time sharing of information among multiple parties, eliminating the need for repeated credit verification processes and shortening the original business process by about 60%-80%
Chairman of ICBC Yi Huiman also said at the 2016 annual report performance conference, "For blockchain technology, our bank's research and development and application are very smooth, and it is expected to be put into practical application in 2017. We have completed a financial product trading platform based on blockchain technology The construction of a prototype system, which provides customers with point-to-point financial asset transfer and transaction services based on the traditional transaction model, is expected to be available to everyone soon."
China Everbright Bank has applied blockchain technology to actual business, and its technology innovation laboratory has successfully hatched a blockchain charity donation system for the bank’s “Mother’s Water Cellar” charity project. Li Fan, General Manager of the Information Technology Department of China Everbright Bank, said that the development of new information technology in the financial technology era has brought new transformative forces to technological innovation. More effective supervision of the source and use of charity funds has improved the transparency of public welfare donations, which will help Promote the healthy development of charity and public welfare undertakings. From a bank's perspective, delivering the public's love to charitable organizations safely and reliably enhances the bank's social image and credibility.
Li Jianhong, chairman of China Merchants Bank, also revealed in the 2016 performance report that the bank invests 5 billion yuan in IT every year, which is already ahead of its peers, but it will still invest 1% of its profits every year starting from 2017. Financial innovation and fintech.
For digital currency, which is the most important component of technological finance, blockchain technology is extremely important. Blockchain technology has the potential to reconstruct the underlying structure of the financial industry. Blockchain has the advantages of reducing trust risks, having a flexible structure, reducing operating costs, and realizing shared finance. It can be widely used in peer-to-peer transactions, registration, rights confirmation, intelligent management and other businesses. among. To this, noThere is no room for any doubt.
We must understand blockchain technology from a higher level. The global future trend is decentralization. Financial institutions must grasp this general trend. Blockchain is the core technology of financial decentralization, and whoever masters it takes the initiative.
Why is it said that the global future trend is decentralization? We need to start with the great prediction of Kevin Kelly, the most popular “prophet” in the global Internet field. Many future technologies mentioned by KK in the book "Out of Control" published in 1994, such as WEB2.0, Bitcoin, P2P, social media, etc., have been implemented one by one. The current popular wisdom, cloud computing, Internet of Things, virtual reality, agile development, collaboration, win-win, symbiosis, co-evolution, online community, network economy, sharing economy, etc. all come from the book "Out of Control".
KK believes that in the future, it is best for the network to be evenly distributed, that is to say, the network connections are free connections between individuals. In this way, when the network is attacked, it will basically not suffer a big impact. It can even be said that such a network cannot be defeated. But the above is based on an ideal state. For now, the Internet is not so developed that it can allow one individual (also a small collective center) to generate so many connections. Secondly, a uniformly distributed network makes the path for individuals to visit a node longer. If the network is not developed enough (such as now), the network response will be very slow.
On the other hand, if the network is concentrated on certain large nodes, as long as these large nodes are protected, the stability of the network will not be greatly affected. From an individual point of view, as long as I can access Google and the Internet, the Internet will not be paralyzed for me.
However, the trend of decentralization will always be there. The network will change from the current hundreds of large nodes to millions of large nodes. Each small network will be regarded as a node, and the connections between nodes will extend in all directions. For example, the connection between the two major networks of China and the United States will no longer be countable submarine optical cables, but countless links, which are topologies that cannot be calculated. By then, I am afraid that the wall will not be built.
One of the characteristics of blockchain technology is point-to-point decentralization. The world is increasingly decentralizing from bureaucracies. We have already witnessed many processes of decentralization in technology and business, and it can be assumed that this trend will continue to occur in the next 20 years.
As long as there are still some centralized things, we can discuss how to decentralize them. For example, the banking industry. Banking has always been a very centralized industry, so we can talk about how to decentralize financial services and turn them into a sharing economy model while sharing influence.
One response to the decentralization process is sharing. Sharing is the verb expression of decentralization process, which is why we have many sharing communities. We can share data, processes,Influence, information, and the result of decentralization are the increase in sharing behavior. Experts of the past did not share financial information. If we want to study why people start sharing now, we must emphasize the quality and ability of "sharing".
Returning to the digital currency supported by blockchain technology, decentralized trading is a technological change. Users can trade on this platform with authorization codes, so that individual-to-individual transactions will occur. P2P lending and other activities. Banks will no longer exist. Bitcoin is an electronic currency with great potential, but it has many unrecognized problems, such as security issues, but we should still pay attention to it, because currency decentralization is also a future trend. KK believes that this field has great potential.
We must believe in the predictions of prophets like KK no matter what. China’s tech finance industry can’t get up early and catch the market late!
Yu Fenghui
A survey report released by PricewaterhouseCoopers in mid-April 2017 showed that China’s financial practitioners have not paid enough attention to financial technology. In the already widely used blockchain technology, , 30% of the respondents said they were completely unaware of blockchain technology, and 40% of the respondents had only read about blockchain technology in the news, which shows that the popularity of financial technology is still low.
I often say that with the birth of Yu’ebao as a symbol, China’s Internet finance is surging, ahead of the trend, and making countries around the world look at it with admiration. However, due to insufficient understanding of the nature of Internet finance, the conservative thinking in the traditional financial industry vigorously counterattacked. Regulatory authorities were faced with a formidable enemy and under the control of conservative thinking, this industry was almost strangled.
As China launches rounds of rectification and regulatory "movements" targeting Internet finance, developed countries in Europe and the United States have taken the opportunity to increase investment and vigorously develop technology finance. Artificial intelligence investment advisors, digital currency supported by blockchain technology, and various artificial intelligence financial services including facial recognition, fingerprint encryption, intelligent voice and other technologies have begun to be applied to the financial field.
The development of science and technology finance can be described as changing with each passing day. The world's largest asset management companies, insurance companies, etc. have gone from R&D to production in smart investment advisory and have now begun to put it into use; Bitcoin, the blockchain digital currency, has begun to enter the field of settlement means in Japan, Canada, etc., and the United States has already Blockchain is used in oil market transactions.
China has obviously fallen behind in the development of science and technology finance. This can be seen from the above PwC survey of bank employees. The current research and use of blockchain in Chinese commercial banks are conceptualized at a shallow level.
In early January 2017, Postal Savings Bank launched a blockchain-based asset custody system. The asset custody system uses blockchain’s shared account.The four major mechanisms of book, smart contract, privacy protection, and consensus mechanism are the technical basis. We select an asset custody business scenario in which five roles including asset entruster, asset manager, asset custodian, investment consultant, and auditor jointly participate, to achieve Sharing information on custody business and supervising asset usage. It is particularly worth noting that the blockchain solution enables real-time sharing of information among multiple parties, eliminating the need for repeated credit verification processes and shortening the original business process by about 60%-80%
Chairman of ICBC Yi Huiman also said at the 2016 annual report performance conference, "For blockchain technology, our bank's research and development and application are very smooth, and it is expected to be put into practical application in 2017. We have completed a financial product trading platform based on blockchain technology The construction of a prototype system, which provides customers with point-to-point financial asset transfer and transaction services based on the traditional transaction model, is expected to be available to everyone soon."
China Everbright Bank has applied blockchain technology to actual business, and its technology innovation laboratory has successfully hatched a blockchain charity donation system for the bank’s “Mother’s Water Cellar” charity project. Li Fan, General Manager of the Information Technology Department of China Everbright Bank, said that the development of new information technology in the financial technology era has brought new transformative forces to technological innovation. More effective supervision of the source and use of charity funds has improved the transparency of public welfare donations, which will help Promote the healthy development of charity and public welfare undertakings. From a bank's perspective, delivering the public's love to charitable organizations safely and reliably enhances the bank's social image and credibility.
Li Jianhong, chairman of China Merchants Bank, also revealed in the 2016 performance report that the bank invests 5 billion yuan in IT every year, which is already ahead of its peers, but it will still invest 1% of its profits every year starting from 2017. Financial innovation and fintech.
For digital currency, which is the most important component of technological finance, blockchain technology is extremely important. Blockchain technology has the potential to reconstruct the underlying structure of the financial industry. Blockchain has the advantages of reducing trust risks, having a flexible structure, reducing operating costs, and realizing shared finance. It can be widely used in peer-to-peer transactions, registration, rights confirmation, intelligent management and other businesses. among. There can be no doubt about this.
We must understand blockchain technology from a higher level. The global future trend is decentralization. Financial institutions must grasp this general trend. Blockchain is the core technology of financial decentralization, and whoever masters it takes the initiative.
Why is it said that the global future trend is decentralization? We need to start with the great prediction of Kevin Kelly, the most popular “prophet” in the global Internet field. Many future technologies mentioned by KK in the book "Out of Control" published in 1994, such as WEB2.0, Bitcoin, P2P, social media, etc., have been implemented one by one. The current popular wisdom, cloud computing, Internet of Things, virtual reality, agile development, collaborationCooperation, win-win, symbiosis, co-evolution, online community, network economy, sharing economy, etc. all come from the book "Out of Control".
KK believes that in the future, it is best for the network to be evenly distributed, that is to say, the network connections are free connections between individuals. In this way, when the network is attacked, it will basically not suffer a big impact. It can even be said that such a network cannot be defeated. But the above is based on an ideal state. For now, the Internet is not so developed that it can allow one individual (also a small collective center) to generate so many connections. Secondly, a uniformly distributed network makes the path for individuals to visit a node longer. If the network is not developed enough (such as now), the network response will be very slow.
On the other hand, if the network is concentrated on certain large nodes, as long as these large nodes are protected, the stability of the network will not be greatly affected. From an individual point of view, as long as I can access Google and the Internet, the Internet will not be paralyzed for me.
However, the trend of decentralization will always be there. The network will change from the current hundreds of large nodes to millions of large nodes. Each small network will be regarded as a node, and the connections between nodes will extend in all directions. For example, the connection between the two major networks of China and the United States will no longer be countable submarine optical cables, but countless links, which are topologies that cannot be calculated. By then, I am afraid that the wall will not be built.
One of the characteristics of blockchain technology is point-to-point decentralization. The world is increasingly decentralizing from bureaucracies. We have already witnessed many processes of decentralization in technology and business, and it can be assumed that this trend will continue to occur in the next 20 years.
As long as there are still some centralized things, we can discuss how to decentralize them. For example, the banking industry. Banking has always been a very centralized industry, so we can talk about how to decentralize financial services and turn them into a sharing economy model while sharing influence.
One response to the decentralization process is sharing. Sharing is the verb expression of decentralization process, which is why we have many sharing communities. We can share data, processes, influence, and information. The result of decentralization is an increase in sharing behavior. Experts of the past did not share financial information. If we want to study why people start sharing now, we must emphasize the quality and ability of "sharing".
Returning to the digital currency supported by blockchain technology, decentralized trading is a technological change. Users can trade on this platform with authorization codes, so that individual-to-individual transactions will occur. P2P lending and other activities. Banks will no longer exist. Bitcoin is an electronic currency with great potential, but it has many unrecognized problems, such as security issues, but we should still pay attention to it, because currency decentralization is also a future trend. KK believes that this field has great potential.
We must believe in the predictions of prophets like KK no matter what. China’s tech finance industry can’t get up early and catch the market late!

❽ In addition to donations, what else can blockchain charity do?

With the urgent shortage of resources, major Internet companies have taken various actions to actively rescue areas with severe epidemics such as Wuhan. In this rescue operation, we also saw that some blockchain companies are also taking active actions. Incomplete statistics show that as of now, blockchain traders include Ant Financial, Du Xiaoman Finance, Qulian Technology, Huobi, Ouke Group, Zhen Fund, Quantum Chain Foundation and other blockchain-related companies. Donation: Du Xiaoman Financial On January 27, Du Xiaoman Financial announced on Weibo that it would invest 10 million yuan in cash to the Internet Epidemic Special Fund to fully support the series of efforts to fight the epidemic.

Ant Financial On January 27, Alipay and Ant Insurance, a subsidiary of Ant Financial, set up a "health insurance fund" for medical staff across the country, which can be used in public hospitals of secondary level and above or designated treatment centers designated by the National Health Commission. All medical staff in institutions participating in the fight against the epidemic can receive it. After successful receipt, during the epidemic period announced by the National Health and Medical Commission, if medical staff are unfortunately infected while fighting the epidemic, they can apply for a 100,000 yuan security fund after diagnosis; if they unfortunately die due to illness, they can apply for a 500,000 yuan security fund. Medical staff search for "Ant Insurance" blockchain traders on the Alipay APP homepage and enter the page to claim it. The function of collecting on behalf of family members and colleagues is under development.

Qulian Technology According to the Qulian Technology official account, after the Wuhan New Pneumonia Prevention and Control Headquarters issued an announcement on accepting social donations on January 25, Qulian Technology donated 100,000 N95 medical masks. Sent to 10 hospitals including Wuhan Youfu Hospital, Wuhan Xinzhou District Traditional Chinese Medicine Hospital, and Central Theater Command General Hospital (Wuchang Park). Binance’s Changpeng Zhao tweeted that Binance has pledged to provide 10 million yuan ($1.5 million) to help people infected with the novel coronavirus in Wuhan. Changpeng Zhao said: "We have not issued any statement. However, the Binance Charity Foundation and the Binance team have been very busy in recent days. We still need help with local logistics arrangements." Huobi tweeted on January 27 Bo announced that Huobi Charity, a subsidiary of Huobi Group, will donate 10 million yuan for global procurement of medical supplies. Huobi said the first batch of medical supplies, 20,000 3M protective masks, has arrived in Hubei and Hunan. In the next 1-2 days, 200,000 sets of medical protective materials will be delivered to areas with severe epidemics. At the same time, Huobi collects information on the shortage of front-line supplies from netizens from all walks of life, saying that it will provide it to those in demand as soon as possible! Ouke Group On January 27, Ouke Group established a special fund of 10 million yuan for epidemic prevention and control, and joined hands with the China Charity Federation to support front-line protection work. According to insiders, the donated funds will be used for the purchase of medical supplies and the payment of pensions to frontline medical staff. At the same time, Ouke Group has mobilized domestic and overseasStaff are purchasing supplies around the world, and the first batch of medical supplies has been shipped to the areas hardest hit by the epidemic. Public chain project TOP Network On January 27, Wuhan Fifth Hospital successfully signed for the first batch of medical masks donated by the blockchain public chain project TOP Network, totaling 6,000 pieces. On January 23, after TOP Network learned about the shortage of medical supplies in Wuhan, it immediately decided to donate medical masks to Wuhan and mobilized the community to actively contribute to the disaster area. Due to the lack of medical supplies, TOP Network also helped multiple blockchain charitable organizations purchase tens of thousands of N95 masks. Qtum Quantum Chain Qtum Quantum Chain Foundation announced that it will donate 200,000 yuan to the Hubei Charity Federation for virus epidemic prevention and control. The Quantum Chain Foundation stated that the donated funds will be used to purchase epidemic prevention materials, family pensions for those who died due to the epidemic, volunteer insurance, protective equipment and living allowances. ZhenFund According to official news from ZhenFund, on January 26, 2020, ZhenFund announced the completion of a donation of RMB 2 million to the Hubei Charity Federation. Zhen Fund stated that we hope that through our humble efforts, we can help the Hubei Provincial Anti-epidemic Department purchase more urgently needed medical supplies, treat more patients in need of help, and contribute to the fight against the epidemic. The medical workers on the front lines send our condolences and solidarity. We will continue to pay attention to the development of the epidemic and are ready to work with people from all walks of life to contribute more to the fight against the epidemic. According to Krypton Capital, Maggie Wu of Krypton Capital launched the “Blockchain Charity Organization” blockchain trader. Currently, more than 50 people have participated. It has raised 45,000 USDT (approximately 300,000 RMB) in charity donations and donated funds to the world. Purchase medical supplies from various places. Besides donating, what else can blockchain companies do? During this epidemic, from the initial issue of information disclosure to the transparency of the entire donation process, the "trust machine" of blockchain can actually be used. The transparency, non-tamperability, anonymity, traceability and other characteristics of blockchain are naturally suitable for the charity industry. Now, many charitable organizations have tried to join forces with enterprises. Ant Financial Charity uses blockchain technology to track fundraising and establishes a third-party publicity system to disclose blockchain capital flows to facilitate data statistics and project execution tracking for public welfare organizations; Beautiful China joins forces with JD Charity to implement blockchain-based Material donation to schools in remote mountainous areas; Tencent’s public welfare search, applying the multi-node blockchain traders of the alliance chain, linking WeChat, 404 family search, baby home and other systems to achieve information exchange. This epidemic originated from some people eating wild animals. After this epidemic, people should pay enough attention to food safety. The fundamental reason for the frequent occurrence of food safety incidents lies in the opacity and asymmetry of information between the government, enterprises, sellers and final consumers. At the same time, different accounting methods are used in planting, production, transportation, storage, sales and other links, resulting in very poor food traceability. districtBlockchain technology promotes the further improvement of the food safety traceability system. Through the tamper-proof distributed ledger technology combined with the Internet of Things and other technologies, the entire process of food can be traced from source information collection and recording, production and processing, warehousing and logistics. At the same time, blockchain technology brings third-party regulators and consumers into the regulatory system, breaking information islands and achieving process transparency to a certain extent.

At present, Internet companies such as JD.com, Suning, Internet, and Alibaba have begun to deploy blockchain traceability systems, and some startups are also targeting the blockchain traceability market. If we establish a complete food traceability system, people can easily check the source when buying food, which may prevent such incidents from happening again to a certain extent. However, all technologies are not omnipotent, and preventive behaviors are ultimately implemented by people. Special reminder: The number of cases of pneumonia caused by the new coronavirus continues to increase. Readers and friends should try to avoid gatherings during the Spring Festival, wash hands frequently, wear masks in public places, drink more water and rest