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资金链 - 打破常规、区块链借贷平台的未来应用场景
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Topic: 资金链 - 打破常规、区块链借贷平台的未来应用场景 (Read 188 times)
sorji
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资金链 - 打破常规、区块链借贷平台的未来应用场景
October 27, 2017, 03:56:11 AM
#1
开发一个基于区块链的借贷系统是个热门话题,目前许多创新公司推出了专有的加密货币慢慢地推动了这个行业发展。
资金链MoneyChain (MCN) 是一个旨在开发高效无需任何资料借贷解决方案的新项目,以建立可靠的、去中心化以及以区块链为后盾的全球借贷社区。
全球的普通人信用互助社区尚算是个新颖的概念。接受平台帮助的受益者将协助平台的发展作为回馈,从而让MCN持有人获益。一旦代币出售并将成为流通的一部分,MCN持有者将拥有平台的提供的服务并可转让,MCN和其它代币一样将会上线各大主流兑换市场。
应用常景
MoneyChain 推出的数字货币是基于以太坊区块链的智能合约。智能合约非但不是通过一个中央部门来取决代币所有动向,反而是通过自动机制单位使系统蓬勃发展。
想要通过平台为您日后的发展提供帮助,您首先必须购买MCN然后成为系统的一份子。一旦您加入了,您可以提交代币的借贷申请然后根据条款按时偿还,因为智能合约执行的指令是完全根据程序设计的。虽然决定能不能借出代币及借出数量的过程是完全自动的,这个决策过程基于系统模型对于申请者持有MCN相关记录及其它数据而产生的,从目前设计思路对借贷者给给予的借贷倍数是相当可观的,申请者获批后可将MCN代币兑换成比特币或其它虚拟代币从而去解决您的现实问题。
MCN平台的盈利是因为其去中心化的本质,由于无需支付支持庞大的传统金融行业开支及职员薪金,其盈利能力远高于传统的银行或其它金融公司,服务费用以及和其它加密货币的兑换费是主要的收入来源。另外无需进行大众接触广告,除了刚开始推行时,还需了解这种新型的借贷服务。一旦其系统全面完成,就无需依赖广告,因为预期系统会自行发展和为自己建立一个强坚的基础。
各申请者必需要为该流程支付低廉的信用服务费,且并不需要支付保证金给任何担保机构。简而言之,MCN的用户可以申请借贷并在偿还时与服务费一起支付。除此之外,并无任何隐藏费用,这个系统是旨在让全部人受惠的。
该项目在国外市场准备推出市场进行首次销售,时间定在10月28日开始并为时一个月,由于是一次性的发行,虚拟币的硬上限供应量为3500万MCN,60%的虚拟币(预计是2100万的虚拟币)将在推出市场发售,而剩下的40% 将分别纳入创办团队(10%)及社区基金(30%)。由于基于信用的系统,留存一定的数目于社区基金里是逻辑并合理的。MCN虚拟币的价格将设在1以太币=3000 MCN虚拟币。当销售完成后,这些虚拟币将在各大交易所及MCN官方网站上进行兑换。
现在消费者必须明白的是,这个系统是无任何担保物,所以会有相对的借贷风险。根据网络金融报告, P2P借贷的坏帐率约有10%-15%或者再高。由于MCN系统采取不同以往的金融理念,采用新的模型设计,该项目的坏帐率目标会控制在6~8%,而项目的运营收入预算会是10%~12%。长期来说,当有信用的人过滤到准时偿还系统时,MCN预计能为持有人带来更高的价值。
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Re: 资金链 - 打破常规、区块链借贷平台的未来应用场景
October 27, 2017, 03:58:44 AM
#2
之前也看到过类似的项目,现在就没更新了
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Re: 资金链 - 打破常规、区块链借贷平台的未来应用场景
October 31, 2017, 10:15:54 AM
#3
应用区块链的想法真是太多啦,看哪个可以成功吧
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