区块链大型巡回播放第224期“重塑金融服务”

全球化金融系统每天要进行数万亿美元资金的转账，负责转账的背后机器是一个由矛盾多面体组成的复杂机器，为啥说这是一个复杂的巨型机器呢？因为这个巨型机器很久没有进行过软分叉，然而新的技术被添加到了基础设施中，有人形象的比喻，银行一边提供网上银行服务，一边运行着1970年代的大型计算机，这或许匪夷所思，也许很无奈，要知道庞大的中心化数据存储在这个超级服务器中，还有一点费解的是，消费者刷信用卡，交易清算几秒之间完成结算，然后背后的结算环节甚至要经过3家以上中介才能划拨到商户的银行卡中。一些大型的公司，尝试维护自己的银行账户，背后得到好处更多的是中介机构。

大型的金融机构运作起来很复杂，监管责任划分不透明，金融市场缺少监管，有时候过度的杠杆政策和变形的奖励机制导致了一系列的连锁反应，目前金融系统中，技术间存在大量的滞留和先进的载体，部分原因在于金融是一种垄断行业，银行在想尽一切办法把用户的钱赚取到手，就像早期移动乱扣费，所以从历史上看，大型的中心化机构拥有着绝对的规模优势，金融中介巨轮，维持着系统的运作，虽然速度越来越慢，效率很低，成本越来越高，但是整体还是获得了大量的利润，所以重塑金融服务，改善产品和提高效率成了一个动力课题。

提到金融服务安全合约，对于智能合约来说，第三方平台可信问题一直是最大的问题，就像中心化和去中心化的研讨一样，普通人使用区块链一个很大的需求就是数据透明、安全和拿来就可以使用，安全合约可以让普通人去浏览数据，并且基于该公链的高性能和低成本，此协议可以实现微支付应用的需求，这里会产生一个二维码生成支付方式，这个二维码只可以使用一次，支付可以在1-3秒内完成，这种支付协议达到了互联网用户的最低标准，期待确保系统阳光、公开和可溯源。

Why is the global financial system, which transfers $one trillion a day, a complex machine made up of contradictory Polyhedra, a complex giant machine? Because the giant machine hasn't had a soft fork in a long time, but new technologies have been added to the infrastructure, and there's a human metaphor for how banks run 1970s's mainframe while providing online banking services, this may seem strange, or it may seem frustrating, given the huge amount of centralized data stored in this super server, and the fact that consumers swipe their credit cards and settle their transactions in seconds, then the back of the settlement link or even through more than 3 intermediary to be transferred to the merchant's bank card. Some large companies, trying to maintain their own bank accounts, stand to gain more from intermediaries. Large financial institutions are complex to operate, the division of regulatory responsibilities is opaque, financial markets are unregulated, and sometimes excessive leverage and distorted incentives have led to a chain of events, there's a lot of holdup and advanced vehicles between technologies, in part because finance is a monopoly industry, and banks are doing everything they can to get their users'money, like early mobile garnishes, so historically, the large centralised institutions have absolute scale advantage, the big wheels of financial intermediation keep the system running, although the speed is getting slower and slower, the efficiency is very low and the cost is getting higher and higher, but the overall profits are still huge, so reshaping financial services, improving products and improving efficiency has become a driving force.

When it comes to security contracts for financial services, the third party platform trust issue has always been the biggest issue for smart contracts, as has been the case with centralised and decentralized discussions, one of the big demands of the blockchain for ordinary people is that the data is transparent, secure, and can be used right away. The security contract allows ordinary people to browse the data, and based on the high performance and low cost of the public chain, this protocol can achieve the demand of micro-payment application, here will produce a Qr code to generate payment, this qr code can only be used once, payment can be completed in 1-3 seconds, the payment protocol meets the minimum standards for Internet users and is expected to ensure the system is open, transparent and traceable.

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编译者/作者：醉玲珑

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