DeFi is the real deal, not Bitcoin 分散式金融才是真正的创新者,而不是比特币

The more interesting trend underway is how blockchain opportunities are starting to materialise for DeFi and Fintech, instead of pure speculation. 正在进行的更有趣的趋势是,分散式金融和金融科技开始逐渐出现区块链机会,而不是纯粹的投机活动。

Since breaking its all time high valuation twice within 3 months, there is a lot of buzz surrounding Bitcoin’s price. While Bitcoin’s valuation may go further in the future, the most exciting part of the blockchain story is Fintech can play a key role in DeFi (decentralising finance).

The last time Bitcoin peaked was in December 2017 amid extreme hype about blockchain’s potential to transform the financial system. Unfortunately, these expectations were ahead of their time. This resulted in a lengthy bear market that saw Bitcoin crash by more than 80 per cent.

Given Bitcoin’s surging price, it appears that another hype cycle is well underway. However, this time around there have been busy development for solutions to help consumers participate in the blockchain revolution. One such example is Plutus Capital.

Plutus Capital is backed by a decentralised financial system built on a public blockchain, where an individual can become a bank and enforce greater control of his own funds. This system relies on tamper-proof nature of ledger as well as smart contract and validation to ensure all processes are safe and secure.

Cross border transactions have high interests and fees to the consumers. The process also takes ages, when it can be instant in the digital world. This is the result of inefficient intermediaries and processes required.

Banks earn by investing the money we keep in our accounts. However, we barely earn anything from the yields of these investments. The financial structure has made banks to be insolvent because there is no incentive to change the way things are.

Consumers need to do away with the assumption that banks are required in the process.

Since banks are a problem, there needs to be a solution that allows for borrowing and lending without any intermediaries. And this solution is possible today.

Plutus Capital provides a solution that brings to you financial services through secured automation using blockchain technology. Plutus Capital’s infrastructure answers the modern needs of users with higher efficiency and lowered fees.

More broadly, institutional investors are waking up to the disruptive potential of blockchain technology. To understand this disruption, one must appreciate a surprising and often overlooked, fact about Bitcoin and other cryptocurrency tokens: they do not exist.

What does exist, however, is a record of information flows between users. Just as your email account holds messages, sent and received, a cryptocurrency balance is the net result of a user’s transactions on a blockchain network.

Moreover, both technologies employ similar security protocols: just as you need a password to send messages from your email account, you need a private key to ‘send’ cryptocurrency tokens on a blockchain.

When someone makes a blockchain transaction, their private key is transformed into a digital signature, which is then used to authenticate transactions. This is like the imprint of a rubber stamp, in that you can see where it came from without looking at the stamp itself. As a result, the digital signature can be shared without revealing the underlying private key, just as we can share email addresses without giving away our passwords.

This allows the network to publish everyone’s transactions without compromising its security. As a result, nobody can falsely claim that they have, or have not, been party to a transaction. However, transparency does not stop there: many blockchain networks make their source code freely available. Can you imagine a bank publishing all of its policies, procedures, and controls?

In addition, blockchain networks are decentralised, which makes them extraordinarily robust. As their transactions are stored in many different locations, they are almost impervious to attack or corruption. Like peer-to-peer file-sharing networks, blockchains are practically impossible to take down.

The inherent robustness and transparency of blockchain systems ensure their integrity, allowing network participants to rely on observable rules — as opposed to financial intermediaries — to manage user interactions. This lack of intermediation reduces transaction costs in the system.

In this way, blockchain technology can help make financial services more efficient.

However, not all blockchain transactions requires native tokens or cryptocurrency into play. There are both public and private blockchains. As these are merely transfers of information, blockchain networks can be used to streamline workflows that involve sign-offs and verification checks.

This was the case when HSBC recently used a blockchain-based app to facilitate a letter of credit for an international petroleum shipment. As part of such transactions, banks guarantee payment to exporters on behalf of importers. Consequently, these involve multiple checks and sign-offs along the way. By using a blockchain, HSBC cut the transaction time by more than 60%.

Although HSBC and Plutus Capital focus on different domains, their blockchain solutions both contain a graphical user interface. This saves users the hassle of having to engage directly with the underlying blockchain networks, which can be difficult.

Furthermore, both solutions rely on the security and openness of blockchain-based authentication mechanisms to reduce admin costs behind the scenes. In this way, blockchain has applications in areas where transparency is commonly an issue, such as re-insurance, auditing, and loan syndication − to name a few.

By reducing paperwork and increasing accountability in a multitude of sub-sectors, blockchain can help make financial services cheaper and more accessible. As part of this, fintech can become conduits between conventional finance and the most promising blockchain networks. This implementation and impact of blockchain technology, is much more important than the price of Bitcoin.

Disclaimer

Before you buy or invest in Plutus tokens, please take the time to understand the rewards model, as well as the risks involved. All decisions that you make on the Plutus platform will be your sole responsibility.

About Plutus Capital

Plutus Capital is backed by a FinTech system built on a public blockchain, where an individual can enforce greater control of his own funds. The Plutus blockchain and token rely on the tamper-proof nature of ledger as well as smart contract and validation to ensure all processes are safe and secure.

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PlutusSwap

Governed by yPLT token holders, PlutusSwap is built by the Plutus Capital dev community. Other than earning rewards on PlutusSwap, yPLT token holders have the right to vote on proposals and decide on future development within our ecosystem. PlutusSwap believes that the key to unlocking economic equality, prosperity and financial freedom lies in developing strong Fintech use-cases on cutting-edge DLT. Most importantly, PlutusSwap is neither a chef nor food. PlutusSwap aspires to bank the unbanked, bringing fundamental financial rights to billions of individuals across the globe. We want to unbank the banked, stripping away the financial prison that many in the first world are enslaved to.

We, are the followers of the great god of wealth, Plutus.

PlutusSwap Introduction
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由于在3个月内两次打破其历史最高估值,围绕比特币的价格引起了很多议论。尽管比特币的估值未来可能会进一步上升,但区块链故事中最令人兴奋的部分是金融科技可以在DeFi(去中心化金融)中发挥关键作用。

上一次比特币达到峰值是在2017年12月,当时人们对区块链改变金融系统的潜力进行了极高的宣传。不幸的是,这些期望超出了他们的时代。这导致了漫长的熊市,比特币暴跌了80%以上。

鉴于比特币的价格飞涨,似乎另一个炒作周期正在进行中。但是,这一次围绕解决方案的开发一直在忙碌,以帮助消费者参与区块链革命。普利拓斯资本就是这样一个例子。

普利拓斯资本得到了建立在公共区块链上的去中心化金融系统的支持,个人可以在其中成为银行并加强对自己资金的控制。该系统依靠分类帐的防篡改性质以及智能合约和验证功能来确保所有过程都是安全的。

跨境交易对消费者具有很高的利益和费用。当它在数字世界中瞬息万变时,该过程也需要很长时间。这是所需的中介和流程效率低下的结果。
银行通过投资我们保留在帐户中的资金来赚钱。但是,我们从这些投资的收益中几乎得不到任何收益。财务结构使银行无力偿债,因为没有动力改变现状。

消费者需要取消在此过程中需要银行的假设。

由于银行是一个问题,因此需要一种无需任何中介即可进行借贷的解决方案。今天,这种解决方案是可能的。

普利拓斯资本提供的解决方案可通过使用区块链技术的安全自动化为您提供金融服务。 普利拓斯资本的基础架构以更高的效率和更低的费用满足了用户的现代需求。

更广泛地讲,机构投资者正在意识到区块链技术的破坏性潜力。要理解这种破坏,人们必须意识到有关比特币和其他加密货币代币的一个令人惊讶且经常被忽视的事实:它们不存在。

但是,确实存在用户之间的信息流记录。正如您的电子邮件帐户保存已发送和已接收的消息一样,加密货币余额是用户在区块链网络上进行交易的净结果。

此外,这两种技术都采用类似的安全协议:就像您需要密码来从电子邮件帐户发送消息一样,您也需要私钥才能在区块链上“发送”加密货币。

当某人进行区块链交易时,其私钥将转换为数字签名,然后用于对交易进行身份验证。这就像橡皮图章的印记一样,您无需查看图章本身就可以看到它的来源。结果,可以共享数字签名而无需透露底层私钥,就像我们可以共享电子邮件地址而不会泄露密码一样。

这使网络可以发布每个人的交易而不会损害其安全性。结果,没有人可以错误地声称自己已经或没有参与交易。但是,透明度并不仅限于此:许多区块链网络免费提供其源代码。您能想象一家银行发布其所有政策,程序和控制措施吗?

此外,区块链网络是去中心化的,这使它们异常强大。由于它们的交易存储在许多不同的位置,因此它们几乎不受攻击或损坏。像对等文件共享网络一样,区块链实际上是不可能拆除的。

区块链系统固有的健壮性和透明性可确保其完整性,从而使网络参与者可以依靠可观察的规则(而不是金融中介)来管理用户交互。中介的这种缺乏降低了系统中的交易成本。

这样,区块链技术可以帮助提高金融服务的效率。

但是,并非所有区块链交易都需要使用本机令牌或加密货币。有公共和私有区块链。由于这些仅仅是信息的传递,因此可以使用区块链网络来简化涉及签署和验证检查的工作流程。

汇丰银行最近使用基于区块链的应用程序来简化国际石油运输的信用证就是这种情况。作为此类交易的一部分,银行保证代表进口商向出口商付款。因此,这些过程中涉及多次检查和签核。通过使用区块链,汇丰将交易时间缩短了60%以上。

尽管汇丰银行和普利拓斯资本专注于不同领域,但它们的区块链解决方案均包含图形用户界面。这为用户省去了直接与底层区块链网络互动的麻烦,这可能很困难。

此外,两种解决方案都依赖于基于区块链的身份验证机制的安全性和开放性,以降低后台的管理成本。通过这种方式,区块链可以在通常是透明性问题的领域中进行应用,例如再保险,审计和银团贷款等。

通过减少众多子行业的文书工作并增加问责制,区块链可以帮助使金融服务更便宜,更易获得。作为其一部分,金融科技可以成为传统金融与最有前途的区块链网络之间的渠道。区块链故事的这一部分比比特币的价格更为重要。

免责声明

在购买或投资P币之前,请花时间了解奖励模式以及所涉及的风险。您在普利拓斯平台上做出的所有决定将由您全权负责。

普利拓斯资本介绍

普利拓斯资本由建立在公共区块链上的金融科技系统作为后盾,在这个系统中,个人可以对自己的资金实施更大的控制。普利拓斯区块链和代币依赖账本的防篡改性质以及智能合约和验证,以确保所有流程安全可靠。

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Plutus is a democratised financial ecosystem. Plutus is a technological enabler for a myriad of fintech use cases. Plutus is a financial revolution that will disintermediate existing systems. Plutus will disrupt the way banking is perceived.

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Plutus Capital

Plutus Capital

Plutus Capital allows anyone & everyone access to financial services for full control of your funds & financial investments. https://plutuscap.com

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