区块链将如何改变金钱与贸易

TED简介

Speaker： Don TapscottKey words：区块链 信任Abstract：区块链技术通过去中心化和程序内置的“合约”，能解决商业贸易上的信任问题。@TED: What is the blockchain? If you don't know, you should; if you do, chances are you still need some clarification on how it actually works. Don Tapscott is here to help, demystifying this world-changing, trust-building technology which, he says, represents nothing less than the second generation of the internet and holds the potential to transform money, business, government and society.Rating: ⭐️⭐️⭐️⭐️⭐️学习笔记The technology likely to have the greatest impact on the next few decades has arrived：

Blockchain.

一个痛点：

For the past few decades, we rely entirely onbig intermediaries--middlemen like banks, government, big social media companies, credit card companies and so on --toestablish trustin our economy.

这种依赖大机构模式带来的问题：

they're centralized. That means they can be hacked

They slow things down.

Our privacy

growing social inequality：And the biggest problem is that overall, they've appropriated the largesse of the digital age asymmetrically: we have wealth creation, but we have growing social inequality.

So what if there were not only an internet of information, what if there were aninternet of value？Where every kind of asset, from money to music, could be stored, moved, transacted, exchanged and managed？【物联网且万物皆有价】

区块链技术解决的问题：信任问题

去中心化+加密

So for the first time now in human history, people everywhere can trust each other and transact peer to peer. And trust is established, not by some big institution, but by collaboration, by cryptography and by some clever code. And because trust is native to the technology, I call this, "The Trust Protocol."

应用场景：

土地产权记录：Did you know that 70 percent of the people in the world who have land have a tenuous title to it? So today, companies are working with governments toput land titles on a blockchain. And once it's there, this is immutable.

房屋出租：there was a distributed application on a blockchain, we'll call itB-Airbnb, and it was essentially owned by all of the people who have a room to rent. Andwhen someone wants to rent a room, they go onto the blockchain database and all the criteria, they sift through, it helps themfind the right room, and then theblockchain helps with the contracting, it identifies the party, it handles the payments just through digital payments --they're built into the system.

转账：people have left their ancestral lands, and they're sending money back to their families at home. This is 600 billion dollars a year, and it's growing, and these people are getting ripped off. Six months ago, Analie Domingo used a blockchain application calledAbra. And from her mobile device, she sent 300 bucks. It And then her mom looked at her mobile device --it's kind of like an Uber interface, there's Abra "tellers" moving around. She clicks on a teller that's a five-starteller, who's seven minutes away. The guy shows up at the door, gives her Filipino pesos, she puts them in her wallet. The whole thing took minutes, and it cost her two percent. This is a big opportunity for prosperity.

保护隐私：The most powerful asset of the digital age is data.And these crumbs are collected into a mirror image of you, the virtual you.And then this avatar is sweeping up all of this data and enabling you to monetize it. And this is a wonderful thing, because it can also help us protect our privacy, and privacy is the foundation of a free society.

电商：There are a whole number of creators of content who don't receive fair compensation, because the system for intellectual property is broken.So Imogen Heap, the Grammy-winning singer-songwriter, is now putting music on a blockchain ecosystem. She calls it "Mycelia." And the music has a smart contract surrounding it.

区块链解决社会上的信任问题，让商业更繁荣。

参考内容Link：Don Tapscott: How the blockchain is changing money and business

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