国际新闻界本篇文章5884字，读完约15分钟

DeFi MerchantCoin builds a new ecology of Internet finance + blockchain 3.0.

近年来,随着区块链技术的问世,数字经济打破了金融领域寡头垄断的高门槛局面。区块链技术更是从商业层面颠覆性地打破了原有的桎梏,让每一位用户都可以成为经济价值的创造者和推动者。从寡头到大众,从中心化到去中心化,这不仅仅是一种商业模式与思维的变化,更重要的是开启了一场具有历史意义的去中心化商业变革。在此背景下MerchantCoin诞生,解决中小型服务类商家长期以来的融资、经营问题,打造出全球最为公正高效的金融服务生态体系。

One of the challenging problems presented to the traditional financial industry is how to serve small and medium-sized enterprises (SMEs).  By World Bank assessments, SMEs are less likely to be able to obtain bank loans than large firms; instead, they rely on internal funds, or cash from friends and family, to launch and initially run their enterprises. The International Finance Corporation (IFC) estimates that 65 million firms, or 40% of formal micro, small and medium enterprises (MSMEs) in developing countries, have an unmet financing need of $5.2 trillion every year, which is equivalent to 1.4 times the current level of the global MSME lending. East Asia and Pacific accounts for the largest share (46%) of the total global finance gap and is followed by Latin America and the Caribbean (23%) and Europe and Central Asia (15%). 

MerchantCoin is created in the dawn of this technology revolution to address the challenge.  MerchantCoin’s mission is to build a market place for SMEs so they can attract like-minded investors. But before that, we have to build a platform for SMEs to run their business on. The infrastructure tooling may include digital payment wallets and enterprise software for SMEs to manage its customers, promotion events, supply chains, and finances. All those tools run on a distributed infrastructure platform that is operated by consensus, and by its nature is fully transparent and trustworthy. 

一、MerchantCoin顶尖金融精英,构筑数字金融服务平台。

It is reported that MerchantCoin released blockchain digital financial services, combined with blockchain technology, based on the field of digital finance, and is committed to building a platform that provides financial services for small and medium-sized service businesses, and solves small and medium-sized enterprises through the blockchain + Internet finance model. Financing problems, the dilemma of aggregate payment, so that every online and offline transaction can be mined based on contributions and get rewards.

该公司成立于新加坡,其会员由持有ME投票权的Node投票产生。其核心团队成员均来自全球各大知名金融机构。创始人张翼鹏先生毕业于UMCP,先后服务于美国Aether System等,并参与投资中美多个大型To B的金融企业。亚辛先生毕业于蒙彼利埃高等商学院,并在哈佛大学学习过中国历史,了解中国文化和经济体系,曾服务于蚂蚁金服海外产品,领导海外团队获得千万级别海外用户。

MerchantCoin利用分布式技术,使得中小商户的经营数字化,这一数字化的过程包括为中小商户提供区块链技术的支付服务,和运营管理工具,以及供应链管理工具(分布式SaaS)。这一套基于区块链技术的产品及技术框架,为传统服务类商家建立起数字话的风险控制模型和经营模型。

二、MerchantCoin聚合支付,智能合约支付网关。

MerchantCoin, which is positioned to provide digital financial services to merchants, does not directly provide fiat currency payment services, but in order to provide digital financial services to merchants, MerchantCoin needs to provide Node with an aggregate payment gateway product (mcGate). MerchantCoin not only obtains daily transaction data but also controls daily merchant transaction flow through smart contracts.

聚合支付服务商为商家提供法币钱包交易收单服务。对于每笔交易在主链交易上产生交易记录,并按照一定规则生成区块。Node推广的商家越多,交易越多,获得的ME也就越多。

MerchantCoin平台为商家也建立了一个数字化模型,其智能合约系统为商家自动生成智能合约,其中规定了购买智能合约的用户商家给予的分成比例。在每天日结时,由智能合约系统mcGate(负责结算的模块)将分成法币资金打入指定资金池。

三、MerchantCoin支持多维信息评估,可信数字结算。

MerchantCoin can be used in the multi-dimensional information flow evaluation system, the tokenization of the merchant's future flow estimation, and the digital settlement system. Targeted meet the needs of investors for multi-dimensional information evaluation for financing small and medium-sized service enterprises.

通过对多渠道信息流的有效监控,商家的所有信息回被采集,并按照固定格式记录在系统中,该信息不可以被篡改,商家可根据每条信息流的评估系统进行有效的经营状况分析。基于区块链去信任的这一特点,MerchantCoin还解决了信任问题,保证资产的流通与投资的公开透明化。根据多维信息流系统将未来的流水预估通证化,实现资金流转与价值传导。最后,在供应链结算层面,通过数字资产与实际业务之间的价值传递,连接产业下游环节,实现高效的供应链结算,降低成本、加快效率。

四、MerchantCoin革新系统框架,简化数字支付。

The product includes mcGate for aggregate payment and mcSaaS, a merchant operating system, and a set of public APIs to support mcGate and mcSaaS, public chain systems, risk control systems, etc. mcPOS is a "cash register" used by merchants to complete payment transactions by scanning the QR code of the user's mobile wallet. mcsaas is the operating system of the merchant. Merchants use mcsaas to manage membership, supply chain, and marketing. If a merchant uses mcsaas, it can cover the functions of mcPOS. mcGate is an aggregate payment gateway, operated and owned by Node. mcGate helps merchants complete fiat currency transaction settlement and reconciliation. According to the concept of the transaction as mining, mcGate will generate Mer-chantcoin blocks based on transaction data. mcGate also reserves a share from the merchant transaction flow based on the smart contract. The loT, Merchantcoin platform manages and monitors merchant hardware, such as POS, smart speakers, etc. through a loT of modules. Messageingcloud, push expensive information, such as payment success or failure information, payment arrival information, etc. 

并且对于一个金融服务平台而言,合约代码中的行为事项,需要始终求助于专业编码人员的解释,这会极大的限制住其运用场景,而对于MerchantCoin而言,其打造的是一套标准化,人类可读的指令,从而让无技术的使用者可以轻松理解协议内容,并且没有任何潜在的漏洞。

五、MerchantCoin营造社区底层规则,引领区块链3.0。

MerchantCoin will pioneer the establishment of a financial service ecosystem in the blockchain 3.0 era based on the traditional financial industry model, establish a set of open, fair and just underlying rules, accelerate the value transfer of the entire financial service industry, and optimize the composition of the industrial structure. Completely solve the market pain points of small and medium-sized enterprises' financing difficulties, continue to lead the development of the industry, and promote the application of blockchain technology in the global financial service field.

最后,MerchantCoin致力于打造一个社区共赢的生态链。在由Node、商家、开发者平台、投资则组成的多角色平台中,凭借先进的商业闭环规则,实现生态内的所有参与者均获得公平的利益分配,多方实现共赢,整个商业生态才能获得发展与提升。

详情可查询https://www.merchantcoin.io

标题：MerchantCoin搭建数字金融服务平台，构建DeFi区块链生态    
 地址：http://www.ruanwenj1e.com/article/575.html