I-Focus Plant iyiphi na i-app yam i-productive, kodwa ngenxa yokusetyenziswa kweversion ye-free, kuxhomekeke ngexabiso: i-advertisements ye-infinite. I-strange enough, malunga ne-80% yaye i-advertisements ze-credit apps. Oku kwandisa ukuba ndingathanda, yintoni iinkcukacha ze-app zihlanganisa malunga nami ukufikelela ukuba ndingathanda ngexabiso? Ukongezelela ke, ndiqala ukuba ndingathanda njani iinkampani zentengiso ngokwenene zihlabathi. ? Olandelayo, ukuba bafumane iintlawulo? Uninzi bafumane iintlawulo ezincinane, ngoko ke indlela yayo yokulawula ingozi. Kodwa nangona kunjalo, le iingcebiso ezincinane zithunyelwe izinto ezininzi ezinhle kakhulu ukuba ziyafumaneka: akukho iingcebiso, akukho ukulawula kwakhona, iingcebiso ezincinane zentlawulo. iimveliso Ngoku, ndingathanda ukufumana imali ngexesha elandelayo kwaye nangona ndiye, ndingathanda kwiiplatforms. Kodwa ukuba ndingathanda iingcebiso ngosuku? Qinisekisa ukuba ndingathanda iingcebiso zehlabathi kodwa iimveliso ezincinane yokufinyelela. Njengomfundi, akukho indlela iibhanki yokuzonwabisa uya kuthatha ngempumelelo, kwaye le iingcebiso zeengcebiso zeengcebiso ayikho ngexesha elifanelekileyo. Ukuba ndifuna imali kodwa awukwazi ukufumana kwi-banks okanye kwi-app emangalisayo, ke? Nceda siphinde ukuba umqondo ngexesha elidlulileyo kwaye sincoma into elidlulileyo: I-Blockchain Technology. Blockchain kunye nemali Ah, “Blockchain”. Isicwangciso wonke umntu uyazi, kodwa amancinci Blockchains ziquka iinkcukacha ezivumileyo apho iintengiso zithunyelwe ngempumelelo. Kwakhona I-Bitcoin yaba inkqubo yokuqala enkulu ye-blockchain, ebonakalisa ukuba unokuthumela imali ngqo phakathi kwabasetyhini ngaphandle kokufunda iibhanki. Kodwa umthamo yayo ivela ngaphezulu kwe-cryptocurrency. Enye indawo esithintela ngoku iingcebiso kunye neengcebiso. Yintoni ukuba ungayifumana ukuba unomdla olungileyo kumntu, kwindawo yehlabathi, ngaphandle kokufuneka i-banki ukuba uxhumane nawe? Yintoni ukuba imbali yakho yokuthintela iye ebonakalayo, iingcebiso ebonakalayo ukuba ungasebenzisa nawe, ngaphandle kokufunda? Kwaye oku kunikeza kwakhona kwi-think yokuqala: kukho indlela yokuba i-blockchain iya kuqhagamshelana neengxaki kunye neengxaki ze-credit ukuze ukunyanzelisa imali ngexesha lokugqibela? Yintoni apho Yiba ku. iimveliso I-Lack Of Credit Infrastructure I-Problem 
 
 Ngokutsho i-World Bank, i-65 million iinkampani okanye i-40% yeengcali eziphambili, ezincinane kunye nezingcali ezincinane (i-SMEs) ezivela kumazwe ezivela kumazwe ngamazwe, zihlanganisa iimfuno ze-financing ye-$5.2 trillion ngonyaka. Ngokutsho i-World Bank, i-65 million iinkampani okanye i-40% yeengcali eziphambili, ezincinane kunye nezingcali ezincinane (i-SMEs) ezivela kumazwe ezivela kumazwe ngamazwe, zihlanganisa iimfuno ze-financing ye-$5.2 trillion ngonyaka. Kwiimazwe ezininzi ezinxulumene ezincinane, umzekelo we-credit score kuphela ayikho. Akukho inkqubo esemthethweni yokubonisa ukuba unayo ukhuseleko xa kufuneka uthenge imali, ngoko ufumane ngaphambi kokufumana. Oku kunzima abantu ukhangela kumadoda, umdlavuza, okanye engaphezulu, i-credit sharks abalandeli iindidi ezininzi kwaye zithintela ukuba awukwazi ukuguqula. Iibhanki akukwazi ukwenza oku kulula. Iimfuno zabo zihlanganisa, kunye neengxaki ezinxulumeneyo, iimfuno zeengxaki, kunye neengxaki ezininzi ezininzi. Ukuba umntu owenza iimali ngosuku okanye usebenza iinkampani ezincinane ezisekelwe imali, uye ngokufanelekileyo. Kwaye nangona unako ukufumana iingcebiso ngokufanelekileyo, akukho iingcebiso ukuvelisa ngexesha elandelayo, ngoko zonke iingcebiso ezintsha kubonakala njengoko kuqala ukususela kwakhona. Ukukhangisa abantu abasebenzi ezininzi kwi-cycle ye-poverty, hhayi ngenxa yokungabonakali, kodwa ngenxa yokuba akukho indlela enokufutshane yokubonisa ukuba zinokufumana abathengi abasebenzi. Zonke iinkcukacha ezibonakalayo, bafumane iingcango ezininzi ukuhanjiswa kumadoda, ngoko bafumane iingcango ezincinane kunye neengxaki ezininzi, okanye ukunceda ukuhanjiswa ngokupheleleyo. Kuyinto inkqubo ebandayo kumazwe omnye. Kuyinto ingxaki massive i-Creditcoin ibandakanya ukulungiselela. I-CreditCoin I-Creditcoin yenzelwe ukuguqulwa oku. Kuyinto inethiwekhi ye-blockchain yobuchwepheshe apho iziko zebhizinisi kunye neengcebisi zithintela njani iingcebiso, ukuba zithunyelwe okanye engabikho. Emva kokuba umdlali uthathe iingcebiso kunye nokuthunyelwa, le data ibekwe kwi-blockchain ngempumelelo, i-tamper-proof, kwaye zibonakalayo ngokubanzi. Ngokutsho kwexesha, oku inikeza abathengi umlando owenziwe ngexabiso, okuvumela ukuba bafumane kwindawo yehlabathi. Kwiimali, oku kuthetha ukuba bafumane idatha olufanelekileyo, zibonakalayo ukuze bafumene izixazululo zentengiso kunye nokufumana abantu abaninzi. Umnqweno uqhagamshelane abathengisi kunye nabathengisi ngokutsha, iimeko ezidlulileyo. Xa umnqweno umnqweno, i-Creditcoin ibhalise ngempumelelo kwi-chain, yenza le data kubonakalise izibuyekezo zophando. Ngokunciphisa ama-intermediaries ezininzi, ivumela izinga lokuphendula ezininzi kunye nezimo zentengiso ezincinane ezininzi ezivela kwiinkqubo ezivamile. Kwakhona kusetyenziswa ukuxhaswa kwemali ye-credit ngaphandle kokubonisa iinkcukacha ze-private ze-private. Yonke i-cryptocurrency ingasetyenziswa kwi-Creditcoin network, kunye ne-native token (CTC) isetyenziselwa ukulayisha iimali kunye ne-lending transactions. I-Creditcoin isekelwe kwi-Nominated Proof of Stake (NPoS) framework, apho i-validators zihlanganisa i-token ukuze bafumane ilungelo lokuvelisa kunye nokugqiba i-blocks. Zonke i-validators zihlanganisa iimali efana ne-stake ye-stake. Kuba abaninzi abahlala ukuqhuba i-node yayo yayo, kukho ukhetho ukukhangisa njenge-nominator, ukutshintshela i-stake yakho kwi-validators ezifanelekileyo kwaye zihlanganisa kwi-rewards okanye i-penalty zayo. Ngaba uye wabelane i-Creditcoin? Zifumaneka ngo-2019 by Ukusebenzisana kunye , I-Creditcoin isekelwe kwi-EVM-compatible technology ukunceda i-credit decentralized. I-Aella, ebonakalayo cishe njenge-banks ye-digital, inikeza iingcebiso, iingcebiso, iingcebiso zentlawulo kunye neenkonzo zentlawulo kwiimveliso ezivela kumazwe. I-Mission yayo yenza iinkonzo zentlawulo lula, ngokukhawuleza kunye nokufumaneka. Ukucinga iimveliso Gluwa, ngoko ke, yasekwa ngu , yinkampani ye-blockchain technology yokwakha isakhiwo se-financial kunye nesakhiwo se-physical. Ngaphandle kweCreditcoin, ilungele , inethiwekhi ye-nanosatellites eyahlukileyo ebandakanya ukunika i-global, i-connectivity ye-internet ebandayo kwi-creditcoin's blockchain. Ngathi Ukucinga I-Creditcoin kwi-Action Ukususela kuqala, i-Creditcoin iye yenza iimali ezingaphezu kwama-5 million kunye nokuba i-Nigeria Central Bank Kwakhona zinxibelelana neemibuzo e-Liberia, i-Ghana, kunye neSierra Leone ukwandisa le miphumo. eNaira, i-Central Bank yeNigeria Digital Currency (CBDC) Okwangoku, i-Creditcoin iye yahlulwe i-100B ye-Naira kwi-2 Million Nigerians kunye ne-partner yayo i-Aella enokukwazi ukuvelisa i-on-chain credit scores kunye nokufumana ukufinyelela kwimveliso ebonakalayo. Iye yaba omnye kwiingcali yeyona nto ebizwa ngokuba yi-on-chain lending. Ukulungiselela On-Chain Lending I-On-Chain Loan isekelwe ngokufanelekileyo kunye nokuthengiswa nge-smart contracts kwi-blockchain, kunokuba nge-banks yokuzonwabisa. I-open, ngaphandle kwe-license, kunye ne-transparent by design. Abacwaningi ezinkulu kwinkampani zihlanganisa i-Aave, i-Compound, kunye ne-Yearn. Kodwa ngoko ke, akukho nto epheleleyo. Kukho izixazululo malunga nokuthintela i-identity yayo, ukhuseleko kwe-smart contracts kwi-bugs, ukuxhaswa ne-crypto collateral emangalisayo, kunye nokuhamba kwi-regulations emangalisayo. Yintoni i-Creditcoin ibekwe ukhuseleko I-Creditcoin ibonelela kwiingxaki ezininzi ezininzi ngokufunda irekhodi ze-repaid-proof ze-publish. I-Lender can build a visible track record, kwaye i-Lender inokufumana iingcebiso ezininzi ngaphandle kokwenza i-blind bets. Nge-partnerships kunye ne-fintechs e-licensed, i-Creditcoin inokukwazi ukuyibhalisa i-identity yabantu ngaphandle kwe-chain ngelixa idatha zabo ze-payment kwi-chain, ukuze ufumane kunye ne-compliance. Kwakhona, ngenxa yokubhalisa kwe-blockchain, kubalulekile kakhulu ukuba nayiphi na umntu uqhagamshelane. Ngenxa yale iinkalo zekhredithi ziyafumaneka kwihlabathi, i-Creditcoin inikezela iingcebiso zangaphakathi. Iingcebisi kunye neengcebisi kwiilwimi ezahlukileyo ziyafumaneka ngokugqithisileyo ngaphandle kweengcebiso zangaphakathi zangaphantsi. Oku kubalulekile ukuba iingcebiso zingahluka kwimarike zangaphakathi kwiimeko ezintsha ngempumelelo kakhulu. Yintoni i-On-Chain Lending Imifanekiso Iingcebiso ze-traditional ziquka iingcebiso ze-hidden, iingcebiso ze-paperwork, kunye ne-systems ezininzi ezininzi. Iingcebiso ze-on-chain zibonisa ukuba ngokubeka inkqubo epheleleyo kwi-blockchain, apho wonke umntu unokufuneka into ebonakalayo ngexesha elifanayo. Kuba amazwe ngaphandle kwinkqubo yekhredithi efanelekileyo, nto leyo enkulu. Oku kukuvumela abantu ukwakha i-credit reputation yobuchwepheshe, ezibonakalayo ukusuka kwakhona, ngaphandle kweengxaki ezininzi. Kwakhona kunceda ukuba ukuba ngaba ndingayifunayo le "i-world-changing idea", ndingathanda ukufumana iingcebiso kwiziphi na indawo, kunye nenkcebiso ukuba umncedisi uxhomekeke kwi-reel repayment record yam, akuyona ezinye iingcebiso ezincinane. Innovations Technical Ukuze Watch Enye into eyenza i-Creditcoin yintoni elidumileyo yi-EVM ye-compatibility yayo, nto leyo inokusebenza nge-apps kunye ne-smart contracts ezisekelwe ye-Ethereum, ukufumana kwinethiwekhi ye-innovation kunye ne-developer. Le ngempumelelo ivumela ukuhlaziywa nangokufanelekileyo njengoko iimarike kwihlabathi ye-finance. Yintoni ngokwenene iingcinga yam ngathi i-Creditcoin ifumaneka kwinethiwekhi ye-nanosatellite ye-Spacecoin. Qinisekisa ukuba umntu e-district epheleleyo, ngaphandle kwe-banks kunye ne-internet, uqhagamshelane ngempumelelo nge-satellite kwi-blockchain. Wakwazi ukuqalisa ukuvelisa i-credit history ngaphandle kwe-device efanelekileyo, ukuguqulela iimfuno zee-community yayo jikelele. Ukulungiselela inkcazelo lwezimali Ukuba kukho into efunyenwe ukuba ndingathanda kuzo zonke iingcebiso zeengcebiso zeengcebiso, nto leyo ukufumana ukucacisa kunokwenzeka. Xa abathengisi bafumane iingcebiso zayo zayo zayo zayo zayo zayo, xa abathengisi bafumana iingcebiso zeengcebiso, kwaye bonke bafumana inkcebiso kwinkqubo. I-Blockchain ayenza yonke into ngokucacileyo, kodwa inikeza uhlobo lomnqweno ebonakalayo esekelwe kwiinkcukacha ezibonakalayo kunokuba zixazululo. Ndiya, ikhowudi ingaba iingxaki kunye neengxaki zonyango, kodwa ngexabiso kunokufumana wonke umntu ukuyifaka. Oku kuthetha ngcono kunzima kunokuba ibonelela kwi-akhawunti ye-akhawunti ye-random that won't even list a phone number. Okwangoku, oku kwenza i-Creditcoin yinto enzima. Akukho ukhangela ukhuseleko, inikeza iingcebiso. Ngokunceda abantu ukwakha i-credit reputable, kunceda ukunyanzeliswa kweengcebiso ezininzi kunye nokufunda iingcebiso ezininzi zangaphakathi. Kwihlabathi apho abadlali ezininzi zengcebiso bafumane nathi, oku kunokuba yinto efunyenwe. iinkcukacha 
 
 
 
 
 
 I-Whitepaper ye-Creditcoin Ibhulogi yeCreditcoin Small and Medium Enterprise Financing ngu-World Bank I-Onchain Credit Scores Ukucinga I-Whitepaper ye-Creditcoin Ibhulogi yeCreditcoin Small and Medium Enterprise Financing ngu-World Bank I-Onchain Credit Scores Ukucinga

The is an opinion piece based on the author’s POV and does not necessarily reflect the views of HackerNoon.

Read My Stories

Le audio iveliswe ngolwimi lokuqala lwebali!

Inde kakhulu; Ukufunda

Download free Tech Leaders Productivity Report!

Loans, Scams, and the Blockchain Way Out

About Author

IZIMVO

ZIJONGE IIMPAWU

ELI NQAKU LINIKEZELWE KU

Related Stories

Light-Mode

Classic

Newspaper

Dark-Mode

Neon Noir

Minty

HN StartUps