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Blockchain P2P software architecture
Publish: 2021-03-30 00:50:01
1.
as part of the blockchain, the regulatory authorities (central bank, China Banking Regulatory Commission and China Securities Regulatory Commission) can obtain the public account books of P2P transactions in real time, and obtain the financial management projects and capital transfer information of each P2P enterprise by analyzing the public account books, so as to provide low-cost, efficient and reliable regulatory data for the supervision of P2P instry in real time Second, the borrower's credit transparent blockchain is mainly to solve the credit problem, so the blockchain is the most promising application in credit investigation. However, there are many controversies about credit information. After all, the data related to credit information is very sensitive. Both credit information institutions and users do not want to make it public. Data is the lifeblood of credit information institutions. Every family wants others to make it public and keep it secret. Users also don't want their data to be public. Of course, if we can achieve the transparency of credit investigation in the future, it will be very beneficial for P2P investors Third, the transaction structure of low-cost for a P2P platform, the monthly withdrawal fee of users is not a small expense, but the general P2P platform will pay this part of the fee out of their own pocket. It is a good thing for the P2P platform to apply the powerful online transaction function of blockchain, go to the third party payment, or bank fund custody, and complete the fast, prepared and transparent transaction of funds
2. P2P means peer-to-peer, and P2P network is a peer-to-peer network scene, characterized by decentralization. Blockchain is a technical means for the development of P2P network. It can be simply understood that a block is an account book that records all the information generated by the whole network in a certain period of time. In the P2P network, the data exchange and synchronization between each node need huge computing power, and the block technology is born to solve this problem.
3. bitcoin P2P technology is a virtual encrypted digital currency. That's right. It's more essential. The term blockchain came into being after the birth of bitcoin, because bitcoin opened the door to the blockchain field. The popularity of bitcoin has attracted more and more people's attention to blockchain technology. Before the birth of blockchain, many veteran people used to call it P2P, which is probably the case. Many of the world's leading exchanges, such as okex, have developed some functions based on blockchain technology. You can learn more about okex platform.
4. This has not been studied, but the application prospect of blockchain to P2P:
bitcoin (digital currency) and P2P are two major branches of Internet finance. Bitcoin has applied blockchain technology, so can P2P< As a part of the blockchain, regulatory authorities (central bank, China Banking Regulatory Commission and China Securities Regulatory Commission) can obtain the public accounts of P2P transactions in real time, and obtain the financial management projects and capital transfer information of each P2P enterprise by analyzing the public accounts, so as to provide low-cost, efficient and reliable regulatory data for P2P instry supervision in real time
Second, the borrower's credit information is transparent
the main solution of blockchain is the credit problem, so blockchain is most promising to be applied to credit information. However, there are many controversies about credit information. After all, the data related to credit information is very sensitive. Both credit information institutions and users do not want to make it public. Data is the lifeblood of credit information institutions. Every family wants others to make it public and keep it secret. Users also don't want their data to be public. Of course, if we can achieve the transparency of credit investigation in the future, it will be very beneficial for P2P investors
thirdly, the transaction structure should be low-cost.
for a P2P platform, the monthly withdrawal fee of users is also a big expense, but the general P2P platform will pay this part of the fee out of its own pocket. It is a good thing for the P2P platform to apply the powerful online transaction function of blockchain, go to the third party payment, or bank fund custody, and complete the fast, prepared and transparent transaction of funds< Fourth, instry infrastructure
the rapid development of most things is largely e to the improvement of infrastructure. At present, blockchain technology can be used as a very important new infrastructure construction of P2P and even the whole Internet financial system, similar to the great changes of highway to automobile transportation instry and container to ocean transportation instry For example, blockchain content publishing platform is also a P2P content publishing platform.
bitcoin (digital currency) and P2P are two major branches of Internet finance. Bitcoin has applied blockchain technology, so can P2P< As a part of the blockchain, regulatory authorities (central bank, China Banking Regulatory Commission and China Securities Regulatory Commission) can obtain the public accounts of P2P transactions in real time, and obtain the financial management projects and capital transfer information of each P2P enterprise by analyzing the public accounts, so as to provide low-cost, efficient and reliable regulatory data for P2P instry supervision in real time
Second, the borrower's credit information is transparent
the main solution of blockchain is the credit problem, so blockchain is most promising to be applied to credit information. However, there are many controversies about credit information. After all, the data related to credit information is very sensitive. Both credit information institutions and users do not want to make it public. Data is the lifeblood of credit information institutions. Every family wants others to make it public and keep it secret. Users also don't want their data to be public. Of course, if we can achieve the transparency of credit investigation in the future, it will be very beneficial for P2P investors
thirdly, the transaction structure should be low-cost.
for a P2P platform, the monthly withdrawal fee of users is also a big expense, but the general P2P platform will pay this part of the fee out of its own pocket. It is a good thing for the P2P platform to apply the powerful online transaction function of blockchain, go to the third party payment, or bank fund custody, and complete the fast, prepared and transparent transaction of funds< Fourth, instry infrastructure
the rapid development of most things is largely e to the improvement of infrastructure. At present, blockchain technology can be used as a very important new infrastructure construction of P2P and even the whole Internet financial system, similar to the great changes of highway to automobile transportation instry and container to ocean transportation instry For example, blockchain content publishing platform is also a P2P content publishing platform.
5. Blockchain and P2P system development mainly includes three layers: block and public ledger, rules and smart contracts, funds and digital bills
the main functions of the P2P system developed by using blockchain technology are to help supervise P2P enterprises, transparency of borrowers' credit reference, low cost of transaction structure, and instry infrastructure (blockchain technology can be used as a very important new infrastructure construction for P2P and even the whole Internet financial system). At present, the enterprises that use blockchain technology for P2P system development, such as Yingtang Zhongchuang, are important development enterprises of blockchain technology in transaction system and practical application.
the main functions of the P2P system developed by using blockchain technology are to help supervise P2P enterprises, transparency of borrowers' credit reference, low cost of transaction structure, and instry infrastructure (blockchain technology can be used as a very important new infrastructure construction for P2P and even the whole Internet financial system). At present, the enterprises that use blockchain technology for P2P system development, such as Yingtang Zhongchuang, are important development enterprises of blockchain technology in transaction system and practical application.
6. Blockchain technology can effectively solve the current dilemma of bill market and P2P field (deep data mining and application, data security), provide reliable technical support for effective supervision and low-cost supervision, and build a new trading platform for bill market innovation. In terms of system development scheme, there are not many enterprises that can apply blockchain technology to build. The specific scheme that can be found at present is also developed by Yingtang Zhongchuang. The P2P system scheme developed by Yingtang Zhongchuang with blockchain technology can solve some problems encountered in big data credit investigation.
7. The rise of P2P network lending has its objective conditions and practical needs, but the brutal growth of the instry chaos has also caused adverse effects on economic and social stability. In 2016, the promulgation of the Interim Measures for the management of business activities of online lending information intermediaries (hereinafter referred to as the measures) clarified the legal status of P2P online lending platform information intermediaries, and standardized the regulatory subject, business license, information disclosure, internal control construction, business boundary, service object, etc., which made it face new challenges in the transformation and development, It also provides an opportunity for the application of blockchain technology
the blockchain technology ensures that the P2P network lending platform abides by the bottom line of "not touching funds". In recent years, the instry chaos of P2P online lending platform is mainly manifested in the illegal operation of some inferior platforms by using information asymmetry, and the frequent occurrence of moral hazard problems such as fund pool, illegal fund-raising and Ponzi scheme. Under the blockchain technology, the symmetry of information makes the source and destination of funds transparent, realizes the effective isolation of information and funds, speeds up the market clearing of inferior platforms, and ensures the transformation space from compliance management platform to information intermediary
blockchain technology can effectively enhance the information matching efficiency of P2P network lending platform. The original intention of P2P network lending platform is to realize the disintermediation of funds through Internet information technology, so as to bypass the traditional financial institutions and provide information collection, publication, interaction and loan matching for the realization of direct lending between lenders and borrowers. But in reality, some platforms monopolize the information of both sides of the transaction, control the price and investment direction of funds, and alienate into "traditional financial intermediary" in the Internet channel, which greatly reces the efficiency of information transmission and transaction. Under the blockchain technology, the real disclosure of information effectively reces the cost of risk premium and implicit guarantee of funds, and makes the pricing level of funds more accurate and efficient. At the same time, it can promote the development focus of P2P network lending platform to improve the efficiency of information interaction, improve the success rate of transaction matching, and deeply explore value-added services
blockchain technology can improve the supervision efficiency of P2P network lending platform The measures have established the "double responsibility" external supervision system of banking regulatory agencies and local financial regulatory departments, introced risk control means such as third-party trusteeship and instry self-discipline, and the necessity of anti money laundering risk monitoring is also increasing. Using blockchain technology, the regulatory authorities and trusteeship institutions as a participating node can make full use of the transparency and integrity of transaction information to achieve the regulatory objectives of higher efficiency and lower cost.
the blockchain technology ensures that the P2P network lending platform abides by the bottom line of "not touching funds". In recent years, the instry chaos of P2P online lending platform is mainly manifested in the illegal operation of some inferior platforms by using information asymmetry, and the frequent occurrence of moral hazard problems such as fund pool, illegal fund-raising and Ponzi scheme. Under the blockchain technology, the symmetry of information makes the source and destination of funds transparent, realizes the effective isolation of information and funds, speeds up the market clearing of inferior platforms, and ensures the transformation space from compliance management platform to information intermediary
blockchain technology can effectively enhance the information matching efficiency of P2P network lending platform. The original intention of P2P network lending platform is to realize the disintermediation of funds through Internet information technology, so as to bypass the traditional financial institutions and provide information collection, publication, interaction and loan matching for the realization of direct lending between lenders and borrowers. But in reality, some platforms monopolize the information of both sides of the transaction, control the price and investment direction of funds, and alienate into "traditional financial intermediary" in the Internet channel, which greatly reces the efficiency of information transmission and transaction. Under the blockchain technology, the real disclosure of information effectively reces the cost of risk premium and implicit guarantee of funds, and makes the pricing level of funds more accurate and efficient. At the same time, it can promote the development focus of P2P network lending platform to improve the efficiency of information interaction, improve the success rate of transaction matching, and deeply explore value-added services
blockchain technology can improve the supervision efficiency of P2P network lending platform The measures have established the "double responsibility" external supervision system of banking regulatory agencies and local financial regulatory departments, introced risk control means such as third-party trusteeship and instry self-discipline, and the necessity of anti money laundering risk monitoring is also increasing. Using blockchain technology, the regulatory authorities and trusteeship institutions as a participating node can make full use of the transparency and integrity of transaction information to achieve the regulatory objectives of higher efficiency and lower cost.
8. The hierarchical structure of blockchain
1, data layer / data layer
the data layer mainly describes the physical form of blockchain, which is a chain structure starting from Genesis block on blockchain, including block data, chain structure, random number, time stamp, public and private key data on blockchain, and is the lowest level data structure in the whole blockchain technology
2. Network layer / network layer
the network layer mainly realizes the mechanism of distributed network through P2P technology, and the network layer includes P2P networking mechanism, data dissemination mechanism and data verification mechanism. Therefore, blockchain is essentially a P2P network with automatic networking mechanism, and the communication between nodes is maintained by maintaining a common blockchain structure
3. Consensus layer / consensus layer
consensus layer mainly includes consensus algorithm and consensus mechanism, which enables highly dispersed nodes to reach consensus on the effectiveness of block data efficiently in the decentralized blockchain network. It is one of the core technologies of blockchain and also the governance mechanism of blockchain community. At present, there are at least dozens of consensus mechanism algorithms, including workload proof, rights and interests proof, rights and interests authorization proof, burning proof, importance proof and so on
data layer, network layer and consensus layer are the necessary elements of building blockchain technology. Without any layer, it can not be called a real blockchain technology
4. Incentive layer / activator layer
the incentive layer mainly includes the issuing system and distribution system of economic incentive. Its function is to provide certain incentive measures, encourage nodes to participate in the security verification work in the blockchain, incorporate economic factors into the blockchain technology system, encourage nodes that comply with rules to participate in bookkeeping, and punish nodes that do not comply with rules
5. Contract layer / contract layer
the contract layer mainly includes various scripts, codes, algorithm mechanisms and smart contracts, which is the basis of block chain programming. Embedding the code into the blockchain or token, realizing the smart contract that can be customized, and automatically executing without a third party when certain constraints are met, is the foundation of the blockchain's distrust
6. Application layer / application layer
the application layer of blockchain encapsulates various application scenarios and cases, which are similar to applications on computer operating system, portals on Internet browsers, search engines, e-malls or apps on mobile phones. The blockchain technology applications are deployed on Ethereum, EOS and qtum, and are implemented in real life scenarios. The future programmable finance and programmable society will also be built on the application layer
incentive layer, contract layer and application layer are not necessary factors for each blockchain application, and some blockchain applications do not completely include the three-tier structure.
1, data layer / data layer
the data layer mainly describes the physical form of blockchain, which is a chain structure starting from Genesis block on blockchain, including block data, chain structure, random number, time stamp, public and private key data on blockchain, and is the lowest level data structure in the whole blockchain technology
2. Network layer / network layer
the network layer mainly realizes the mechanism of distributed network through P2P technology, and the network layer includes P2P networking mechanism, data dissemination mechanism and data verification mechanism. Therefore, blockchain is essentially a P2P network with automatic networking mechanism, and the communication between nodes is maintained by maintaining a common blockchain structure
3. Consensus layer / consensus layer
consensus layer mainly includes consensus algorithm and consensus mechanism, which enables highly dispersed nodes to reach consensus on the effectiveness of block data efficiently in the decentralized blockchain network. It is one of the core technologies of blockchain and also the governance mechanism of blockchain community. At present, there are at least dozens of consensus mechanism algorithms, including workload proof, rights and interests proof, rights and interests authorization proof, burning proof, importance proof and so on
data layer, network layer and consensus layer are the necessary elements of building blockchain technology. Without any layer, it can not be called a real blockchain technology
4. Incentive layer / activator layer
the incentive layer mainly includes the issuing system and distribution system of economic incentive. Its function is to provide certain incentive measures, encourage nodes to participate in the security verification work in the blockchain, incorporate economic factors into the blockchain technology system, encourage nodes that comply with rules to participate in bookkeeping, and punish nodes that do not comply with rules
5. Contract layer / contract layer
the contract layer mainly includes various scripts, codes, algorithm mechanisms and smart contracts, which is the basis of block chain programming. Embedding the code into the blockchain or token, realizing the smart contract that can be customized, and automatically executing without a third party when certain constraints are met, is the foundation of the blockchain's distrust
6. Application layer / application layer
the application layer of blockchain encapsulates various application scenarios and cases, which are similar to applications on computer operating system, portals on Internet browsers, search engines, e-malls or apps on mobile phones. The blockchain technology applications are deployed on Ethereum, EOS and qtum, and are implemented in real life scenarios. The future programmable finance and programmable society will also be built on the application layer
incentive layer, contract layer and application layer are not necessary factors for each blockchain application, and some blockchain applications do not completely include the three-tier structure.
9. This has not been understood, such as mutual loan.
10. The help of blockchain in P2P application prospect
blockchain helps to supervise P2P enterprises
as a part of blockchain, regulatory authorities (central bank, banking regulatory, securities regulatory) can obtain the public account book of P2P transactions in real time, and obtain the "financial management" project and capital transfer information of each P2P enterprise by analyzing the public account book, so as to provide low-cost, high-efficiency and high-quality services for P2P instry supervision in real time Reliable regulatory data
blockchain helps to make the credit investigation of online loan platform borrowers transparent
the main problem solved by blockchain is credit, so the most promising application of blockchain is credit investigation. However, there are many controversies about credit information. After all, the data related to credit information is very sensitive. Both credit information institutions and users do not want to make it public. Data is the lifeblood of credit information institutions. Every family wants others to make it public and keep it secret. Users also don't want their data to be public. Of course, if we can achieve the transparency of credit investigation in the future, it will be very beneficial for P2P investors
blockchain helps to rece the cost of online loan transaction structure
for a P2P platform, the monthly withdrawal fee of users is also a big expense, but the general P2P platform will pay this part of the fee out of its own pocket. It is a good thing for the P2P platform to apply the powerful online transaction function of blockchain, go to the third party payment, or bank fund custody, and complete the fast, prepared and transparent transaction of funds
blockchain helps the infrastructure construction of online lending instry
the rapid development of most things is largely e to the improvement of infrastructure. At present, blockchain technology can be used as a very important new infrastructure construction of "P2P" and even the whole Internet financial system, similar to the great change of highway to automobile transportation instry and container to ocean transportation instry.
blockchain helps to supervise P2P enterprises
as a part of blockchain, regulatory authorities (central bank, banking regulatory, securities regulatory) can obtain the public account book of P2P transactions in real time, and obtain the "financial management" project and capital transfer information of each P2P enterprise by analyzing the public account book, so as to provide low-cost, high-efficiency and high-quality services for P2P instry supervision in real time Reliable regulatory data
blockchain helps to make the credit investigation of online loan platform borrowers transparent
the main problem solved by blockchain is credit, so the most promising application of blockchain is credit investigation. However, there are many controversies about credit information. After all, the data related to credit information is very sensitive. Both credit information institutions and users do not want to make it public. Data is the lifeblood of credit information institutions. Every family wants others to make it public and keep it secret. Users also don't want their data to be public. Of course, if we can achieve the transparency of credit investigation in the future, it will be very beneficial for P2P investors
blockchain helps to rece the cost of online loan transaction structure
for a P2P platform, the monthly withdrawal fee of users is also a big expense, but the general P2P platform will pay this part of the fee out of its own pocket. It is a good thing for the P2P platform to apply the powerful online transaction function of blockchain, go to the third party payment, or bank fund custody, and complete the fast, prepared and transparent transaction of funds
blockchain helps the infrastructure construction of online lending instry
the rapid development of most things is largely e to the improvement of infrastructure. At present, blockchain technology can be used as a very important new infrastructure construction of "P2P" and even the whole Internet financial system, similar to the great change of highway to automobile transportation instry and container to ocean transportation instry.
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