youwill區塊鏈

㈠ 比特幣前景怎樣

近日，勒索病毒「永恆之藍」席捲全球。攻擊者聲稱，要想解鎖被病毒控制的電腦，需要支付等價300至600美元的比特幣。因此，這種病毒又被部分媒體稱為「比特幣病毒」。

根據《2014-2016全球比特幣發展研究報告》，目前全球算力的75%以上集中在中國。此報告由清華大學五道口金融學院互聯網金融實驗室和火幣網聯合發布。

資料顯示，全球礦場目前每小時耗電量大於60萬度，每年大於52億度。有人質疑礦機常年高速運轉耗費大量電力，卻生產出來「一種虛無縹緲的東西」，是在資源浪費。

但孫小小否認「費電」一說。孫小小說，我國2015年棄電500億度，他們的礦場在西藏和四川，解決了當地很多棄水棄電，「就地解決，轉化成比特幣，連鋪設電網的錢都省了。」

他眼中，比特幣像一場規模宏大的去中心化的社會性試驗。他認為，比特幣能讓整個政府更小、更廉潔。「比特幣系統是透明的、可追溯的」，假如整個社會交易體系都採用比特幣，「貪官也不敢收錢了」。

比特幣專欄作家李健告訴記者，比特幣實際上建立了一個去中心化的全球支付體系，與世界各國銀行系統或者支付系統轉賬所消耗的成本相比，比特幣的能耗並不算大。

在幣圈，稅務問題也較為敏感。由於沒有法律的明文規定，各家礦場挖到大量「昂貴」的比特幣不需要為此納稅。某比特幣公司創始人吳鋼坦言，目前稅務部門只能在其它生產資料比如礦機、電力上收稅，對生產出來的比特幣並無相關規定。

㈡ shot time(sec)是什麼意思

我還可以根據這個字母的話，代表這含義，你就可以翻譯過來了呀

㈢ you will怎麼解釋

這句納跡話罩運應該還缺個動詞,在will的後面,因為difficulty只是名詞.原句應該是：nobody knows when you will have difficulty?沒人知道你什麼時候會遇到困難.這里用you will,因為從句里要用陳洞悶並述句語序.所以是when you will.

㈣ 我的NFT在哪裡我怎麼能看到它呢

翻譯The Comprehensive Guide to NFTs

Where will my NFT 「be」 and how can I see it? Technically speaking, your NFT will exist on a blockchain supported by a server. For as long as the blockchain exists, your NFT will exist. 

我的NFT在哪裡？我怎麼能基租看到它呢？從技術角度來講，你的NFT會存在於區塊鏈上，由伺服器做支持。只要區塊鏈存在，你的NFT就會一直存在。

In the case of NFTs that take the form of still images or video clips, you will be able to view your NFT wherever you have a screen or device on which to display it. How people 「see」 your NFT will largely be up to you.

在NFT還是圖片或是視頻片段的案搏答兆例中，你能通過屏幕或是設備，來展示NFT。人們怎麼能看到你的NFT，還是取決於你。

 But just because an NFT won』t 「be」 in your house hanging on the wall, doesn』t mean that it won』t be yours, or won』t be secure. (It can hang on your wall, if you wish, and be seen through a television screen, etc.) To the contrary, your NFT artwork may literally be the most secure thing that you own. It will almost definitely be the most secure work of art that you own. As we』ve seen, because the blockchain technology in NFTs literally imprints the history of the work on the work, authentication and provenance can be known instantly. Even with the carbon-dating of canvases, and the discerning eyes of trained art historians, forgeries and fakes can still be passed off as the real thing in the work of physical art. (Or a stolen painting may be 「found」 years later after a questionable chain of ownership.) But when a piece of art is an NFT, this possibility is eliminated completely.

但是，由於NFT不會被你放在家裡掛在牆上，不意味著它就不是你的，或是不安全（它可以掛在牆上，如果你願意，還可以通過電視屏幕展示）。相反，你的NFT藝術品可能是你擁有的最安全的東西。正像我們看到的，由於區塊鏈技術在NFT上的應用舉清，NFT可以展示藝術品的收藏歷史，真實性和證明可以被立即查到。即使是給油畫做碳14定年法，和藝術品歷史學家的敏銳眼光，偽造者依然可以矇混過關。但是當藝術品作為NFT之後，這種可能性就微乎其微了。

The NFT will 「be」 on the blockchain, but it will also be yours however you wish to exhibit it.

㈤ 關於分賬結算模塊

寫在前面：

最近負責的分賬模塊需要優化，國內網站上搜了很多和分賬相關的內容，發現這部分比較偏向定製化，現成的系統模塊或做的比較好的系統都搜不到原型，所以記錄一些有價值的相關資料

When you are building your Software as a Service (Saas) Minimum Viable Proct (MVP), there is a lot of work that needs to be done. It can be difficult to balance this workload.

Oftentimes you are so focused on developing the proct that you forget that you still need to sell it to people. This guide is meant to help you get your billing system off the ground to start making revenue, and show what you should be doing when you are ready to scale up.

Subscriptions are key to an effective billing strategy. The ability to charge a credit card on a recurring basis makes payment more efficient for both you and the customer.

To start selling subscriptions to your clients, you need:

If you don』t have the development cycles to do this, you will be stuck with a painful process of sending invoices manually, giving customers access manually, and adding friction to the on-boarding process.

Offering free trials is considered by many to be one of the best ways to find early adopters of your SaaS.

When someone is given the opportunity to try your proct before committing to a subscription, they are far more likely to become a regular customer.

It is good practice to treat your trial users with the same level of support and respect as you would your paying customers. Not only are they experiencing your proct, they are also experiencing the quality of your service.

At the end of the day, you will end up integrating with an external system to handle these use cases. I highly recommend looking at Stripe because they have an excellent API to integrate with and a wide range of functionalities.

If you don』t want to develop the integration with Stripe yourself, take a look at Servicebot — It comes fully integrated with Stripe and has great Customer Relationship Management (CRM) functionality so you can better manage your customers and subscriptions from a dashboard.

During your early stages, Y Combinator founder Paul Graham says, 「 Do things that don』t scale. 」 Although this may sound counter-intuitive, this is the best way to grow your customer base before you begin to even think about scaling.

What scaling boils down to is automating the manual processes you』ve found to be effective at growing your startup.

When you』re ready to scale your billing solution, here are a few things to consider:

Automating the processes involved with billing — such as what happens when a user requests a trial, adds a funding source, or requests a cancellation — is one of the most important parts of scaling your billing solution.

You should first take a look at how you are currently doing your billing. Identify all the manual processes that currently are a part of your system, like restricting access if trials expire or reactivating accounts after they』ve been cancelled. Once you make that list you can start figuring out how much time is spent performing these and start iterating to rece the most painful parts.

Another big part of automating your process is automating customer outreach based on their status in the billing system.

Customer outreach is key to converting customers from free trials to paid. When starting out, this process is mostly manual. Email people when they sign up, remind them when their trial is ending soon, or ask if they need help getting started.

This is not scalable — you need to eventually automate this process, and the best place to focus on is the billing side because so many steps are processed there

To ensure seamless communication between your system and the customer, it is important for your system to be tightly integrated with your billing.

One of the best ways to automate your businesses with minimum development effort is to integrate with third-parties who have already solved the problems you are facing.

Here are my favorites which I』m using for my own SaaS startup:

Stripe has become the staple of SaaS payment providers. With a developer-friendly API and constant new features, I (and countless others) feel it』s an obvious integration point.

Some of the features you can integrate with to automate more of your billing are:

There is much more you can do with Stripe, it should be up to you and your startup』s needs to determine how deep of an integration you need.

The staple of Intercom is the live chat widget that you embed on your site to enable communication with your customers. What many people don』t realize is that Intercom also provides an automation platform. If you integrate with Intercom, you can send customized messages to your customer based on what they do with your proct.

This allows you to automate the communication with your customer so you don』t have to manually email anymore.

Example of intercom outreach automation

Servicebot comes out-of-the-box with a Stripe and Intercom integration. When a customer requests a free trial, Servicebot creates a new trialing subscription and customer in Stripe and a new user in Intercom, and directs them to a newly-created instance to use.

Intercom will send automated messages with the goal of converting to a paying user while Stripe will manage the subscription automatically.

A good first step to begin scaling is with automating your billing process. When it all comes together, you can connect parts of your business to a centralized location, as well as integrate it with third parties. The result of all this will be massive gains in proctivity and efficiency that make the effort well worth it.

If you are interested in automating parts of your SaaS billing solution to do things like automate customer on-boarding and connecting business processes to your billing system, Let』s talk

在銀行卡收單業務中，以平台對接或「大商戶」模式接入持證機構，留存商戶結算資金，並自行開展商戶資金清算——即所謂「二清」行為。人行以「有沒有開展商戶資金清算「為標準定義二清。

在網路支付業務中，採取平台對接或「大商戶「模式——即客戶資金先劃轉至網路平台賬戶，再由網路平台結算給該平台二級商戶。為客戶開立的賬戶或提供的電子錢包等具有充值、消費、提現等支付功能。

無論是銀行卡收單業務還是網路支付業務，以上都叫無證經營支付業務。

二清指的是：線下使用銀行卡進行的消費由pos服務提供商收單，然後結算給使用其pos服務的商家。因pos服務提供商無清算資質，所以這種方式屬於違規。

網路支付主要指的是：買家支付的貨款先到第三方交易撮合平台在支付機構開設的賬戶，然後由平台結算給平台的商家。因為第三方交易撮合平台沒有清算資質，這種也是屬於違規。如果由無清算資質的支付機構進行清算，也是不合規的。這點要注意，不是所有的支付機構都有清算資質，目前支付機構中只有銀聯和網聯有清算資質。

本文討論的主要是網路支付業務的無證經營問題。線下收單業務原理是一樣的，只是支付方式不一樣。

業務模式為第三方交易撮合（為賣家和買家提供服務/商品等的交易撮合），且資金是大賬戶模式（先進平台在支付機構開的賬戶，然後通過平台自己結算給商家）這種都算是無證經營支付業務，是不合規的。

例如：電商平台拼多多、蘑菇街，綜合類生活平台美團點評，旅遊平台攜程等。

無論交易物是實物、虛擬物品還是服務都是一樣。只要交易物不是平台自營的，就需要無證經營支付業務問題。

錢包類功能，即能夠充值、消費、提現也是屬於無證經營支付業務。通過虛擬貨幣的方式也是不合規的，因為虛擬貨幣也具有了金融價值，能夠等價交換其他商品/服務，如得到的得到幣。

嚴格意義來講，以區塊鏈技術發行的虛擬幣也是不合規的，首先這種虛擬幣只能算是一種虛擬商品，其次他的原理同平台發行的虛擬貨幣是一樣的，具有等價交換熟悉。在此不做深入討論。

政府發布217號文，態度非常堅定，力度也比較大，主要原因如下：

對於新平台來說，無證經營支付業務問題是一定要考慮的問題，不要以為新平台比較小，可以打打擦邊球。發現之後可能是會比較嚴重，這種行為屬於明知故犯，有可能導致平台無法繼續經營。

建議新電商平台上線伊始就解決二清問題，避免上線後更大的損失。

筆者根據實際的經驗總結了目前市面上的方案，並進行了對比，供大家參考。

總體來說，目前市面上的方案分為4類。分別是銀行系統方案、微信分賬方案、三方支付系統方案、四方系統服務商方案，筆者將分別介紹。

支付寶暫沒有分賬方案，估計2020年針對支付寶體系內開放分賬功能，短時間內應該不會對外開放，目的同微信一樣，是為了提高競爭壁壘，畢竟支付寶和微信都自有或投資了電商平台。

通過對比可知，大平台或對系統要求較高的平台可以選擇銀行系統方案。如果僅僅只是做微信服務號或小程序的可以考慮微信分賬功能。對費用比較敏感的可以選擇四方服務商系統方案，但是有一定合規風險。比較大眾的選擇就是三方支付系統方案，門檻適中，合規性沒有問題。

筆者研究了上述的四種方案對應的具體產品，分別是平安銀行的「電商見證寶」、微信分賬、通聯「雲商通」、投融匯「E帳通」、投融匯「E清算」、投融匯「智富通」（需要開銀行實體賬戶有稅費）。供讀者參考。

電商見證寶是平安為電商平台提供的支付解決方案，但是實際上客戶不僅僅局限於電商，可適用於B2CB2BO2O等多類型的互聯網交易平台。於2014年推出，已服務100多家電商平台、產業鏈客戶，可提供整套解決方案，擁有較多成功案例。

應用場景：

電商見證寶服務平台2.0（非自營平台）：

1）子賬戶類型

平台開立子賬戶時，分為商戶子賬戶及普通子賬戶。商戶子賬戶資金只收不付，會員間交易僅支持入賬至商戶子賬戶。

2）充值環節

3）退款環節

微信分賬功能主要是：為特約商戶完成訂單收單成功以後的資金分配提供的服務。

應用場景如：停車場繳費、外賣訂餐、高校繳費、加油站繳費、預訂酒店等。

特約商戶 是指：與收單機構簽訂銀行卡受理協議、按約定受理銀行卡並委託收單機構為其完成交易資金結算的企事業單位、個體工商戶或其他組織，以及按照國家工商行政管理機關有關規定，開展網路商品交易等經營活動的自然人。包括實體特約商戶和網路特約商戶2種。

實體特約商戶 是指：通過實體經營場所提供商品或服務的特約商戶，如：商店、飯店、旅館等。

網路特約商戶 是指：基於公共網路信息系統提供商品或服務的特約商戶，如自營類型的電商/服務提供商等。

分賬可以分給微信支付的商戶賬戶（非銀行賬戶）或者微信支付的用戶零錢賬戶，一筆訂單最多可以分給50個分賬接收方。

分賬資金的凍結期默認是30天。從訂單支付成功之日起，30天內需要發起分賬，若30內未發起分賬，待分賬資金將會自動解凍給分賬方。

允許服務商分賬的最大比例為30%。

通聯是一家老牌支付機構，有6張支付牌照。

雲商通平台是一個基於虛擬賬戶和訂單支付體系的開放平台，為商戶的各類業務場景提供虛擬賬戶、支付產品和資金管理服務。

通聯提供虛擬賬戶和聚合支付服務，合作銀行提供資金存管、結算服務。雲商通比較靈活，可根據合作方所在地選擇合作銀行，可通過分公司對接銀行，也可通過通聯總部對接銀行，定製化程度較高。如果合作銀行未與通聯合作周期可能較長，需要半年左右的時間才能上線。

通聯通過銀行存管方式幫助平台解決無證經營支付業務的問題。有3種存管模式：請對接模式一、強對接模式二、弱對接模式。

部分合作夥伴如下：

強對接模式一： 資金通過通聯支付進銀行賬戶，銀行進行資金結算，結算資金劃撥至銀行通聯備付金賬戶後，由通聯備付金賬戶付款給商家銀行賬戶。該模式存在一個轉代付的問題（通聯備付金賬戶代付），長期來看，如果政策收緊該模式也屬於不合規。

強對接模式二： 與強對接模式類似，區別在於代付通過銀行直接完成。沒有轉代付的問題。推薦平台使用該模式對接。

弱對接模式： 該模式特點是平台基本無需開發，適合開發能力較弱的平台。

平台需要在銀行開立存管賬戶，銀行幫助平台進行資金結算，平台將結算資金通過櫃面劃付/網銀轉賬的方式，劃撥至通聯在銀行的備付金賬戶，由備付金賬戶付款給商家銀行賬戶。

該模式也存在轉代付的問題，且資金只能通過通聯賬戶作為唯一出金路徑，需要線下手動操作的工作較多。

投融匯有三種對接方案：E帳通是與通聯合作的解決方案，E清算是與招商銀行合作的解決方案，智富通是與富邦華一銀行合作的解決方案。

服務邏輯圖：

投融匯三種對接方案的服務邏輯圖相同，詳見下圖。

以上是作者對4這種方案的理解，供大家參考，如果有問題歡迎大家反饋討論。讀者可根據自己平台的要求和特徵選擇合適的支付方案進行對接。

原文：
https://medium.com/free-code-camp/how-to-build-and-scale-your-saas-billing-solution-d6111b9ae253

㈥ 王東臨說的無門檻入局區塊鏈啥意思

就是無感入局區塊鏈，就是感覺不到門檻，讓你在區塊鏈世界像在體驗互聯網世界的感覺，正常情況下區塊鏈的去中心化錢包不是要助記詞什麼的嘛 很麻煩，但是Ystar的錢包Bingoo就不需要。

㈦ You』ll是什麼意思

you'll=you will
意思是：你將要。。。