Top 100 financial blockchains in 2020
1. Enjin (enj)
in the near future, the game instry is the instry most likely to adopt blockchain on a large scale. Enjin coin is the cryptocurrency of virtual goods created by Enjin. Enjin is the "largest online gaming community platform" with more than 250000 gaming communities and 18.7 million registered gamers
Cardano (ADA)compared with Ethereum, EOS and Tron, Cardano is the third generation of decentralized app (DAPP) and smart contract platform. Cardano's design philosophy has the following points:
scalability: with the growth of users, the transaction processing speed is not affected or even faster, such as P2P protocol
interoperability: in the future, there will be countless devices connected to each other, instead of only connecting and forwarding through routers. All kinds of devices can communicate directly through standard general protocol
Sustainability: like bitcoin, Cardano project will not be controlled and influenced by a certain company or organization, which is a safe, decentralized and sustainable development platform
With the popularity of sto (security token offers), Nash also plays an important role. Nash is a kind of registered security token. In the past, Nash participated in and led the development of many projectsNash exchange is a decentralized exchange. If you hold nex token, you can calculate the dividend here
4. Basic attention token (BAT)
bat mainly solves the problem of advertising:
user information is abused: large companies such as Google and Facebook track and use user information and behavior, and sell without the knowledge of users
the effect of advertising is restrained: middlemen earn most of the fees, a large number of advertisements are blocked by users using software, and advertisements are fake
in the past six to 12 months, the number of publishers using the brand browser (Note: the brand browser supports bat token) has grown rapidly, and almost no blockchain ecosystem has grown so fast
5, chainlink (link)
chainlink mainly solves the problem that each blockchain has and the smart contract cannot obtain external data. In order to introce external data into the blockchain, the concept of Oracle is proposed in smart contract
companies including Google are supporting the development of chainlink. Here is a list of chainlink partners
one of the main problems of chainlink is similar to Ethereum. The development team has reserved 650 million link tokens, while only 350 million are in circulation at present
Ethereum (ETH)Ethereum has long occupied the second place in the top 100 cryptocurrencies. Its ecology is so big that we can't call it altcoin now. To tell you the truth, I'm not optimistic about Ethereum in the long run, but it will flourish in the short run
Application of blockchain technology in banking
2.1 self regulatory platform
we rarely see a platform that can conct self-regulation without intervention. In all areas similar to the financial instry, central banks and regulators (such as the securities and Exchange Commission) come to set uniform rules and manage them. Blockchain technology makes the system no longer need the supervision from enterprises or government entities, so as to regulate the operation of the system. Blockchain provides a mechanism called "workload proof", which allows each computer node in the system to participate in the approval of each transaction. The system has built-in check and balance mechanism to ensure that no computer in the system can deceive the system. All of these reviews and supervisions are completely automated by the computer. At present, there are many other consensus models that can replace the "workload proof" mechanism, but still retain the core idea that each client or node can manage the system point-to-point. What's more, blockchain makes every element in the system completely transparent. Therefore, for such a large-scale community all over the world, blockchain technology can easily review and manage it - "supervision from the public", thus effectively recing fraud. Imagine how much it can save costs and improve efficiency
2.2 compliance with the law and easy tracking
actors (users) and their behaviors (sending money or assets to others) are recorded on the blockchain. Any transaction between the two parties can be tracked and inquired, and can be proved in court. This is because all transactions need a set of public key / private key to encrypt and decrypt processing and transactions. Once they are added to the blockchain, they are permanent and unchangeable. Any record, once written to the blockchain, cannot be tampered with. Anyone holding assets or digital currency on the blockchain will have their own public key on the blockchain. When a transaction occurs, it needs to be signed by the previous holder who controls these assets using the private key. Blockchain also allows a variety of mechanisms for transactions. For example, it can be set to require two people to jointly sign a transaction. In a system without endorsement of enterprises or government, the legally binding mechanism can greatly enhance the trust factor for the system
2.3 built in business continuity
a global platform can not bear the risk of downtime when concting major transactions. Blockchain, a complete point-to-point network, has many distributed nodes and computer servers to support, which has high reliability. Every node in the system keeps a of the complete blockchain data. This makes the whole network highly fault-tolerant, if any part of a few nodes have problems, it will not affect the other parts of the network continue to operate. This makes it possible to achieve 24 / 7 all-weather operation characteristics like disaster recovery center or database rendancy center without using complex technology
2.4 evolution model without burden
in the system, there are a series of rules and key points to help decide who has the right to approve the transaction and what needs to be reviewed before the transaction is written into the blockchain. Blockchain technology can fork out new versions according to different environments and business model requirements. The new version also needs to conform to the overall concept of blockchain. All these changes must be approved by all members of the system, and everyone can get the same benefits. In addition, these changes will not affect the transactions that have occurred and confirmed on the blockchain. For a system, it has enough robustness and flexibility. People often compare the similarities between the Internet and blockchain, including their growth potential and business prospects. These two systems have very similar characteristics. The Internet does not need or does not have a centralized management department (except for a few for the management of agreed URL and domain name registration), but also has enough rendancy and strong fault tolerance. The Internet has been developing for so many years, from basic text to rich graphics, video, animation, and all this has not affected other existing systems and content. Blockchain has fully proved its function and practicability in bitcoin system. Just as the famous Chinese philosopher Lao Tzu said, "the tree that embraces is born at the end of a tree."; The platform of nine layers starts from the base soil; A journey of a thousand miles begins with a single step. " I think this should be the creed of all the pioneers of blockchain technology
as a rookie of Bubi blockchain, I tell you so much!
Library means that the recording method is not only to store the ledger data in each node, but also to share and the data of the whole ledger synchronously. At the same time, blockchain also has the characteristics of disintermediation and information transparency.
In recent years, financial fraud, accountant audit failure and other risk events occur from time to time in the capital market, which brings legal risk and reputation risk to commercial banks, and has attracted the attention of the leaders of the State Council
on December 18, the "bank letter blockchain service platform" was officially released, which was launched by China Banking Association and China Institute of certified public accountants to actively implement the document requirements of the notice on further standardizing the work of bank letter and reply letter, study and promote the digital construction of letter, and improve the standardization level of letter business
"we hope that the future bank letter blockchain service platform can play a role in preventing and resolving risks, promote the improvement of letter quality and efficiency, strive to build a demonstration digital platform with high security, strong public welfare, convenience and efficiency, and make e contributions to improving the construction of social credit system and strengthening financial services for the real economy." Liu Fushou, chief lawyer of CIRC, said at the press conference
Pan Guangwei, full-time vice president of China Banking Association, said that in the future, China Banking Association will work with relevant institutions to promote the transformation and upgrading of letter business towards the direction of intensive operation and management, electronic path, standardized business process and refined data governance, improve the quality of accounting information and audit, promote the construction of social credit system and help the high-quality development of banking instry
three core advantages
bank letter and reply are the process in which the certified public accountant, after obtaining the authorization of the audited unit, directly sends the confirmation letter to the banking financial institutions, inquires about the authenticity of the audited unit's bank deposit, bank loan, guarantee, financial management and other information, and the bank inquires, checks the relevant information and provides the reply
According to pan Guangwei, letter confirmation is one of the core proceres of independent audit, which is crucial to identify errors and frauds in financial statements. For the whole financial market, letter work is related to the quality and efficiency of audit work, the quality of accounting information and the authenticity of capital market data, which is very important to prevent financial risks
"the bank letter blockchain service platform adheres to the construction concept of authority, fairness and public welfare, follows the principles of marketization, openness and graalness, and graally promotes the transformation and development of bank letter to the direction of intensification, electronization, standardization and refinement, with three core advantages." Pan Guangwei said
one is platform target location. The platform has changed the offline decentralized letter reply mode to online centralized processing, which can complete the whole process of bank letter application, authorization, sending and reply online, speed up the letter processing efficiency, effectively solve various disadvantages of traditional paper letter mode, rece the degree of manual intervention of accounting firms, banks, audited units and other related parties, and enhance risk control, Rece the risk of data error and fraud
Second, in terms of platform security. The platform only retains the information of the letter transmission process, not the letter data information, and pays attention to the information isolation and confidentiality, so as to ensure the data security of banks and offices. The platform has a financial level security protection environment, which can realize 7 * 24-hour system safe operation
The third is the platform technical support. The platform chooses "ICBC Xi chain" as the underlying blockchain technology. ICBC Xi chain not only has significant technical advantages, but also has completely independent intellectual property rights. It has passed the authoritative certification of trusted blockchain of MIIT, and has many mature application projects100 banks have applied for access
at the press conference, pan Guangwei also said that after confirming that the bank letter platform takes blockchain as the underlying technology, the working group has carried out on-site communication with a number of technology companies with blockchain technology and scene application one by one. After experts' evaluation, the blockchain technology is selected to be independent and controllable, safe and reliable, and the business connection and scene application are improved ICBC technology, which has more advantages in later operation and maintenance, is the project contractor
it is understood that as the underlying blockchain technology, "ICBC Xi chain" participated in the trusted blockchain evaluation of China Academy of information technology in 2019 and 2020, and passed five technical evaluations of function, baas, performance, security and password with 100% passing rate. It is the first blockchain proct in the financial instry to be certified by an official authoritative evaluation institution
"with the strong support of instrial and Commercial Bank of China and instrial and Commercial Bank of China technology, the system development work was officially completed on October 26, and joint debugging and testing work was being carried out with a number of banks and accounting firms. At present, 100 banks and dozens of accounting firms have clearly signed up to apply for access to the platform. We will actively connect with banks and accounting firms to be connected to the platform, and provide solutions and training according to the needs of all parties. " Pan Guangwei said
Zhang Wenwu, vice president of ICBC, said at the press conference that ICBC has always paid attention to the quality of bank letter work, and ICBC technology company has further innovated and improved on the basis of ICBC's original letter e-letter, spared no effort in platform construction, and realized the platform's proction and online on schele“ The signing of the cooperation agreement will be taken as an opportunity for the first batch of banks to actively cooperate with the construction of the platform, promote the interconnection between e-letter and the platform, and fully support the use of the platform through the practice of centralized letter and certificate at the bank end. "
At the press conference, Liu Fushou also said that it is necessary to promote the construction of the letter certification platform in a safe and orderly manner, adhere to the principle of safety, prudence and risk control, adhere to the principle of pilot first and steady progress, and adhere to dynamic adjustment and continuous improvementWhich financial software companies in China are doing better now has always been a controversial topic, because each software development company has its own field of expertise, but through some common properties and conditions, we can also largely judge the characteristics of some better software development companies, Today, Xiaobian will introce the ranking of better software development companies in China
fourth place: Shenzhen qiante Technology Co., Ltd.
reason for recommendation: qiante technology is an Internet company with marketing strategy, creative design strength and technical professional services as the core. Founded in 2008, the company has set up branches in Guangzhou, Chongqing, Xi'an and Guiyang successively. It is committed to providing comprehensive network publicity and technology application overall planning scheme for enterprises, truly realizing the intelligence of enterprise Internet information, and improving the market competitiveness of enterprises in the era of network technology
No.5: Shenzhen Kaiyi Information Technology Co., Ltd WEB application, App development, cloud computing, WeChat applet, intelligent hardware docking, Internet plus software application solutions. Build source code development resources integration and download platform, with user needs as the core, to provide professional and special services. The company has a team of more than 100 people, more than 80% of whom are technicians, 37 of whom have more than 10 years of development experience. In 2016, they submitted the patent certification of blockchain template, including finance, ecological agriculture, e-commerce and ecation