Blockvc and bitcoin
because those who come in after mobile phone mining will be cut leeks
precautions:
1. In the past two years, various myths about blockchain "overnight wealth" have been constantly staged, and "mining" cryptocurrency has become a new trend of wealth, and mobile phone mining is becoming more and more popular
2. There will be special mining machines for real mining. After all, every mining machine is not cheap now. Mobile phone automatic mining can be obtained at a very low price. What you dig is not bitcoin. Basically, the counterfeit coin you send is not worth money. At that time, you will still be cut leeks
when the economy is stable, it doesn't rise. When the economy is in turmoil, people begin to store digital currency. Of course, it is convenient for some corrupt elements
now the economy is stable, the digital currency is in a bear market, the financial crisis, the crisis, and only when there is a crisis can there be an opportunity. At that time, the rapid growth of bitcoin was the opportunity in the financial crisis. Don't worry, there will be a bull market in digital currency, which is expected to come in the second half of next year
Zhang Li, partner of linkvc, announced on June 30 that there are no rules for the selection of fire coin super nodes, and some departments of fire coin are "bureaucratic"
Li Mingxuan, co-founder of blockvc, also announced in his circle of friends on June 30 that hadax's node stratification is not an objective fund rating, but a subjective rating made by hadax out of its own control
coin letter capital announced on June 30 that it would quit the fire coin super node and stop participating in the voting process on fire coin
at the same time, end capital also issued a statement saying that it would withdraw from the fire coin super node and replace it with Hunter capital
according to the report of liandede, we have checked with the relevant personnel of Huo coin that Huo Li, the vice president of global business of Huo coin, has been removed from the post of vice president, and hadax will be in the charge of Zhu Jiawei, the COO of Huo coin.com
on June 30, Du Jun, the founder of node capital, announced on wechat that he would quit the fire coin super node and would no longer participate in any project voting of hadax<
Zhao Dong, founder of dfund, also sent a message on Weibo on June 30, saying that dfund will quit the hot money super node from now on and will no longer participate in any hadax voting
after the founders of node capital Du Jun and dfund Zhao Dong successively announced their withdrawal from the fire coin super node in public channels, the friend circle of fire coin founder Li Linfa responded that hadax must be demolished and rebuilt, and there will be a big upgrade next month, and said that in the process of upgrading, he was sorry for the poor communication
why, on the same day, after node capital, dfund, coin letter capital and end capital announced their exit from the fire coin super node, linkvc partner Zhang Li and blockvc co-founder Li Mingxuan also expressed their views on hadax in the circle of friends? The answer may be to change the rules of fire coin super node< In addition to node capital and dfund, blockvc and linkvc are also divided into the preferred node level
the general node and the preferred node have different rights. The project party must have the support of the general node to board the fire coin, but the preferred node cannot promote the project party to board hadax. At the same time, the fire coin also developed an end elimination system, the low score will be demoted to the candidate node with low threshold and less power
perhaps, the ever-changing voting rules and discriminatory agency ratings of hotcoin really disappoint the festival members. The blockchain technology itself is decentralized, which obviously runs counter to Nakamoto's concept of decentralization
maybe the super node mode itself is a kind of deformity. Centralized exchange, let the super node recommend their own support projects, or centralized
once the fire coin changes the rules, it will inevitably touch the interests of the super node, and the formation of the resistance camp is inevitable.
in 2014, Internet finance has entered a period of barbaric growth: P2P online lending platforms have emerged at an amazing speed, and at the same time, they have also witnessed the tide of bankruptcy After a fierce boom, the income of "Baobao" procts graally flattened; There are more and more ways to play crowdfunding, involving more and more fields, and many VC and PE have entered the field of crowdfunding entrepreneurship... After a year of carnival, in 2015, the entire Internet finance instry will enter a stage of precipitation and rational thinking, showing some new development trends
P2P: precipitated from the noise
in 2014, the P2P instry was very busy, a large number of P2P platforms experienced from birth to death in a year, and the whole instry realized the self elimination of the instry in the bustle of "you sing, I come on stage". In 2015, after the bustle of P2P, it will graally return to rationality, showing the development direction of the instry
1. Rapid reshuffle of the instry
in 2014, on the one hand, a large number of online platforms emerged in the P2P instry, on the other hand, "bankruptcy wave" swept the whole instry. This is a normal phenomenon of survival of the fittest in the early development stage of the whole instry, which is related to the irrational pursuit of high interest rate by investors, lax policy supervision and low illegal cost
at present, most of the P2P platforms are still lack of qualification certification. In the P2P instry, the voice of policy supervision has been continuous. According to the timetable disclosed by Yang Xiaojun, deputy director of innovation Department of CBRC, P2P regulatory rules may be issued in early 2015, when a number of non-standard P2P platforms will face elimination
on the other hand, a lot of capital flows into P2P instry. In 2014, according to incomplete statistics, from January to October alone, more than 30 P2P platforms have been invested. The strength of these P2P platforms that attract capital investment will be greatly improved, accelerating the survival of the fittest in the instry
2. The trend of de guarantee
in 2014, the de guarantee of P2P instry has been an endless topic in the instry. At present, the cooperation between P2P platform and guarantee company has become a common phenomenon, but this mode has become an obstacle to the development of P2P instry, and de guarantee has become inevitable
some P2P platforms do not have the ability of risk control and management, but they can still attract a large number of investors because of the guarantee companies as a shield. Once there is a problem with the guarantee company, the P2P platform will be vulnerable and fall into disrepair instantly, resulting in the collapse, running and other vicious events. Secondly, the guarantee cost of the third party guarantee company is very high, usually about 2% - 5%, which indirectly increases the financing cost. From these two perspectives, the guarantee system has become an obstacle to the self-development of P2P instry
3. Big data credit reporting becomes the core competitiveness
the de guarantee of P2P platform means returning to its essence as an intermediary. As an online loan intermediary platform, risk control ability will be its core competitiveness in the future
now some P2P platforms are trying to build their own databases by using the data left by customers on social media and e-commerce trading platforms. In the future, with the help of technology and big data, some P2P online lending platforms will establish their own data-based risk control model, and use big data to analyze and judge whether indivials or enterprises have the ability to repay. This will also become the core competitiveness of P2P platforms. Even in the future, some P2P platforms will transform to professional credit agencies after they have enough strength in big data credit
4. Instry refinement
at present, the P2P instry has become a red sea. In the fierce market competition, it is the key to make use of their respective advantages to refine procts and take the differentiation route in the future
at present, the scale of the whole P2P market is constantly expanding, and the professional market segments have begun to be divided. The business model of monopolizing the market will be difficult to sustain, and a single P2P platform has no ability to cover the major professional markets. Only refinement and specialization is the only way for P2P enterprises to survive
in fact, the leading P2P enterprises in the instry have their own accurate market positioning. Some platforms mainly finance for environmental protection enterprises, some cooperate with auction houses to promote collection financing, and others focus on financing for medical, automobile, tourism and other instries< On April 19, 2014, the crowdfunding platform announced that it would abandon the crowdfunding mode and become the first platform of intelligent hardware. In the future, the crowdfunding platform will provide a full range of crowdfunding support for some excellent crowdfunding projects, including project packaging, media public relations, investor recommendation, customer satisfaction, etc Channel docking "green channel" and a series of professional customized services. It's not only the roll call time, but also the equity crowdfunding platforms, such as angel collection and cloud funding, all choose to tear off the label of crowdfunding and emphasize their non crowdfunding attributes
this is not the decline of crowdfunding, but the inevitable development of crowdfunding platform to a certain stage: crowdfunding platform will no longer be limited to a single financing link, but will extend services to the whole chain. This not only grasps the needs of the project side, but also helps to protect the interests of investors. For crowdfunding platform, it also breaks the shackles of profit model
mobile payment drives the development of virtual currency
with the breakthrough of NFC (near field communication) technology, the high-end models launched by apple, Samsung and Huawei have fully covered NFC functions, especially the apple pay launched by iPhone 6. With the market position of iPhone, it has a unique advantage in the mobile payment market, and may be combined with virtual currency, Challenge traditional paper money
it is understood that 220000 businesses in the United States have joined the camp of applepay, accounting for 5-10% of all businesses in the United States; Twelve banks announced a partnership with applepay, which is responsible for 83% of credit cards in the United States. Apple pay is expected to become the number one mobile payment company
virtual currency will also benefit from mobile payment. Virtual currency is rooted in the Internet. As long as consumers have mobile devices, they can exchange virtual currency. The emergence of applepay will cultivate consumers' habit of mobile payment
compared with traditional currency, virtual currency has the characteristics of decentralization and high mobility. It does not belong to a certain bank and does not need to be audited and certified by financial regulators; As long as the technical support, we can transfer and trade virtual currency through simple operation. These are the characteristics of virtual currency superior to traditional currency. The rapid emergence of mobile payment makes virtual currency a great leap forward
now, bitcoin analysis start-ups such as blocktrack and coinalytics have obtained financing, which will help people better understand bitcoin. When people find the advantages of virtual currency more and more, maybe traditional paper money will be graally replaced
the first year of mobile Internet Finance
If 2013 is the first year of Internet finance, 2015 may usher in the first year of mobile Internet finance
at present, the third party payment represented by Alipay and fortune paid has been transferred to Alipay wallet and WeChat. According to the open data of Alipay wallet, Alipay mobile payment day has more than 45 million transactions, accounting for more than 50% of Alipay's total share. 97% of the users operate on their mobile phones when transferring money. In the past, traditional financial procts also transformed from financial page to app< Grass root mobile phone is another catalytic factor of BR / mobile internet financial mobility. Alipay's procts are starting to spread to the cock silk crowd, and make financial management and daily life of the public connect. People can invest and manage money, mobile payment and insurance whenever and wherever possible through smart phones, pad and other intelligent terminals. The closer an area is to daily life, the more mobile it is.
In 2014, Internet Finance entered a period of barbaric growth: P2P online lending platforms emerged at an amazing speed, and at the same time, the tide of bankruptcy occurred After a fierce boom, the income of "Baobao" procts graally flattened; There are more and more ways to play crowdfunding, involving more and more fields, and many VC and PE have entered the field of crowdfunding entrepreneurship... After a year of carnival, in 2015, the entire Internet finance instry will enter a stage of precipitation and rational thinking, showing some new development trends
P2P: precipitate from the clamor
in 2014, the P2P instry was very busy, a large number of P2P platforms experienced from birth to death in one year, and the whole instry realized the self elimination of the instry in the bustle of "you sing, I come on stage". In 2015, after the bustle of P2P, it will graally return to rationality, showing the development direction of the instry
1. Rapid reshuffle of the instry
in 2014, on the one hand, a large number of online platforms emerged in the P2P instry; on the other hand, the "tide of bankruptcy" swept the whole instry. This is a normal phenomenon of survival of the fittest in the early development stage of the whole instry, which is related to the irrational pursuit of high interest rate by investors, lax policy supervision and low illegal cost
at present, most of the P2P platforms are lack of qualification certification, and the voice of policy supervision in P2P instry has been continuous. According to the timetable disclosed by Yang Xiaojun, deputy director of innovation Department of CBRC, P2P regulatory rules may be issued in early 2015, when a number of non-standard P2P platforms will face elimination
on the other hand, a lot of capital flows into P2P instry. In 2014, according to incomplete statistics, from January to October alone, more than 30 P2P platforms have been invested. The strength of these P2P platforms that attract capital investment will be greatly improved, accelerating the survival of the fittest in the instry
2, the trend of de guarantee
in 2014, the de guarantee of P2P instry has been an endless topic in the instry. At present, the cooperation between P2P platform and guarantee company has become a common phenomenon, but this mode has become an obstacle to the development of P2P instry, and de guarantee has become inevitable
some P2P platforms do not have the ability of risk control and management, but they can still attract a large number of investors because of the guarantee companies as a shield. Once there is a problem with the guarantee company, the P2P platform will be vulnerable and fall into disrepair instantly, resulting in the collapse, running and other vicious events. Secondly, the guarantee cost of the third party guarantee company is very high, usually about 2% - 5%, which indirectly increases the financing cost. From these two perspectives, the guarantee system has become an obstacle to the self-development of P2P instry
3, big data credit becomes the core competitiveness
to guarantee P2P platform means to return to its essence as an intermediary, and as an online loan intermediary platform, risk control ability will be its core competitiveness in the future
now some P2P platforms have begun to try to use the data left by customers on social media and e-commerce trading platforms to establish their own databases. In the future, with the help of technology and big data, some P2P online lending platforms will establish their own data-based risk control model, and use big data to analyze and judge whether indivials or enterprises have the ability to repay. This will also become the core competitiveness of P2P platforms. Even in the future, some P2P platforms will transform to professional credit agencies after they have enough strength in big data credit
At present, the P2P instry has become a red sea. In the fierce market competition, the key to the breakthrough of P2P in the future is to make use of their respective advantages to refine procts and take the differentiation routenow, the scale of the whole P2P market is constantly expanding, and the professional market segments have begun to be divided. The business model of monopolizing the market will be difficult to sustain, and a single P2P platform has no ability to cover the major professional markets. Only refinement and specialization is the only way for P2P enterprises to survive
in fact, the leading P2P enterprises in the instry have their own accurate market positioning. Some platforms mainly finance for environmental protection enterprises, some cooperate with auction houses to promote collection financing, and others focus on financing for medical, automobile, tourism and other instries
On April 19, 2014, crowdfunding platform announced that it would give up crowdfunding mode and become the first platform of intelligent hardware. In the future, crowdfunding time will provide all-round crowdfunding support for some excellent crowdfunding projects, including project packaging, media public relations, investor recommendation, customer satisfaction, etc Channel docking "green channel" and a series of professional customized services. It's not only the roll call time, but also the equity crowdfunding platforms, such as angel collection and cloud funding, all choose to tear off the label of crowdfunding and emphasize their non crowdfunding attributesthis is not the decline of crowdfunding, but the inevitable development of crowdfunding platform to a certain stage: crowdfunding platform will no longer be limited to a single financing link, but will extend services to the whole chain. This not only grasps the needs of the project side, but also helps to protect the interests of investors. For crowdfunding platform, it also breaks the shackles of profit model
mobile payment drives the development of virtual currency
with the breakthrough of NFC (near field communication) technology, the high-end models launched by apple, Samsung and Huawei have fully covered NFC functions, especially the apple pay launched by iPhone 6. With the market position of iPhone, it has a unique advantage in the mobile payment market, and may be combined with virtual currency, Challenge traditional paper money
it is understood that at present, 220000 businesses in the United States have joined the camp of applepay, accounting for 5-10% of all businesses in the United States; Twelve banks announced a partnership with applepay, which is responsible for 83% of credit cards in the United States. Apple pay is expected to become the number one mobile payment company
and virtual currency will also benefit from mobile payment. Virtual currency is rooted in the Internet. As long as consumers have mobile devices, they can exchange virtual currency. The emergence of applepay will cultivate consumers' habit of mobile payment
compared with traditional currency, virtual currency has the characteristics of decentralization and high mobility. It does not belong to a certain bank and does not need to be audited and certified by financial regulators; As long as the technical support, we can transfer and trade virtual currency through simple operation. These are the characteristics of virtual currency superior to traditional currency. The rapid emergence of mobile payment makes virtual currency a great leap forward
now, bitcoin analysis start-ups such as blocktrack and coinalytics have got financing, which will help people better understand bitcoin. When people find the advantages of virtual currency more and more, maybe traditional paper money will be graally replaced
If 2013 is the first year of Internet finance, 2015 may usher in the first year of mobile Internet finance
at present, the third party payment represented by Alipay and fortune pay has begun to transfer to Alipay wallet and WeChat. According to the open data of Alipay wallet, Alipay mobile payment day has more than 45 million transactions, accounting for more than 50% of Alipay's total share. 97% of the users operate on their mobile phones when transferring money. In the past, traditional financial procts also transformed from financial page to app
is another catalyst for Internet Financial mobility. Alipay's procts are starting to spread to the grass root crowd, making financial management compatible with the daily life of the public. People can invest and manage money, mobile payment and insurance at any time and anywhere through smart phones, pad and other intelligent terminals. The closer an area is to daily life, the more mobile it is< br />