I-Focus Plant iyinhlangano lamahhala yokuzonwabisa, kodwa uma usebenzisa inguqulo yokuzonwabisa, iyatholakala ngentengo: ama-advertisements ezingenalutho. I-Strangely enough, cishe 80% of those ads are for loan apps. Oku kwenza ngithanda, ukuthi idatha okuyinto zihlanganisa mayelana nami ukuze ufune ukuthi ngithanda ngempumelelo i-credit? Ngaphezu kwalokho, ngifunda ukuthi indlela yale amabhizinisi yedolobha ngokuvamile zihlala. Ingabe abantu abalandeli ? Noma babuyona abacwaningi abalandeli? Abaningi bafuna amayunithi amancane, ngokuvamile njengoba indlela yayo yokulawula ingozi. Kodwa kunjalo, lezi zebhizinisi amancane bafuna izinto ezinhle kakhulu ukuba zibonele: akukho ukubheja, akukho ukubheja, amazinga amancane. Zonke okufanayo kancane. Waze Ngokwesikhashana, Ngingathanda ukuhambisa imali ngesikhathi esifushane futhi ngisho uma ngiye, Ngingathanda lezi zindlela. Kodwa ukuthi Ngingathanda umlenze umlenze ngosuku? Qinisekisa ngaba ngaba ngempumelelo yokuguqulwa emhlabeni kodwa iziqu yokufinyelela. Njengomfundi, akukho indlela yebhanki yokuzonwabisa ngempumelelo, futhi lezi zokushozi izicelo zokuthengisa akuyona ngokufanele. If I needed money but couldn’t get it through a bank or a suspicious app, then what? Thina siphinde esithile esithile futhi sinxazulule into enhle: I-Blockchain Technology. Blockchain kanye nezimali Ah, “Blockchain”. Isimo wonke umntu owaziwa, kodwa amancane I-Blockchains iyinhlangano ye-publical ledgers lapho izinguquko zihlanganiswa ngokuqhubekayo. Ukusebenza I-Bitcoin yinkqubo yokuqala esikhulu ye-blockchain, ebonakalisa ukuthi ungahambisa imali ngqo phakathi kwabasebenzi ngaphandle kokutholwe kwebhanki. Kodwa umthamo yayo ivela ngaphezulu kwe-cryptocurrency. Enye indawo eyenza ngoku kuyinto credit kanye credit. Yini uma ungayifake ukuthi ungumthengi efanelekayo kumadokhumenti, lapho, ngaphandle kokuzimela ibhanki ukubheja ngawe? Yini uma idatha yakho yokuthumela wahlala ku-open, ingxubevange-proof idokhumenti ungathola nawe, kungenxa lapho ungathanda? Kuyinto uhlobo lwezimo blockchain inikeza. Futhi okuvumela kwenziwa kwelanga yami yokuqala: kukhona indlela blockchain ukuxhumanisa nezimali kanye nezingcele zekhredithi ukuze ukuhambisa imali ekugcineni kunezinto? Kuyinto lapho Ngena ngemva Imininingwane Umthombo we-credit infrastructure 
 
 Ngokuvumelana World Bank, amabhizinisi angama-65 million noma i-40% ye-micro, i-small and medium enterprises (SMEs) ezivamile ezivela kumazwe ezivela kumazwe angama-finance e-$5.2 billion ngonyaka. Ngokusho Ukubuyekezwa ku-65 million amabhizinisi noma i-40% yama-micro, amaphilisi amancane amabhizinisi (SMEs) ezivela kumazwe ezivela kumazwe ngamazwe ezivela ku-$5.2 trillion ngonyaka. I-World Bank Kwezinye uhlelo esemthethweni yokubonisa ukuthi ungatholile lapho unemibuzo imali, ngakho-ke uzodingeka ngaphambi kokufinyelela. Lokhu kuvimbela abantu ukuncintisana kumadoda, umndeni, noma engaphezulu, ama-cash shark abalandeli amazinga emangalisayo futhi zihlanganisa kwabo uma akufinyelela. Banks akukwazi ukwenza okuhle. Imininingwane zabo zihlanganisa, nge imibhalo emangalisayo, izidingo zokuxhumana, futhi izivumelwano ezinzima kakhulu. Uma unayo izigidi zokusebenza ngosuku noma usebenza i-cash-based i-business encane, uye ngokuvamile zihlanganisa. Futhi ngisho uma ungenza ukufumana i-credit ngokuvumelana, akukho umbhalo yokufakelwa emkhakheni, ngakho-ke zonke i-credit entsha kubonakala njengokufinyelela kokuqala. Kuyashintshisa abantu abasebenzi ezinzima ku-cycle ye-poverty, hhayi ngenxa yokungabonakali, kodwa ngenxa yokuba akuyona indlela enokutholukile yokubonisa ukuthi kungase abe nomthengisi obutholakalayo. Izinzuzo zithintela futhi. Ngaphandle kwezinqubo ezibonakalayo, zithintela izinzuzo ezikhulu zokuthumela abantwana, ngakho-ke zihlanganisa izinga ezincinane futhi izimo ezinzima, noma ukunceda ukuhlinzeka kokubili. Kuyinto uhlelo esihlukile kumabili. Kuyinto ingxubevange massive Creditcoin isixazulule. I-CreditCoin I-Creditcoin yasungulwa ukuze ukuguqulele lokhu. Kuyinto inethiwekhi ye-blockchain yobuchwepheshe lapho izakhiwo zebhizinisi kanye nama-lender angase zihlanganisa indlela yokuthengisa, noma zithunyelwe noma kungekho. Uma umlenze uthathe i-credit kanye nokuthunyelwe, idatha esihlalweni ku-blockchain ngokushesha, okuhlobisa, futhi iyatholakala ngokubanzi. Ngesikhathi eside, lokhu inikeza abathengi a real, ukubuyekezwa ikheli yekhredithi ukuthi angakwazi ukuchitha lapho. Ukuze abathengi, lokhu kubalulekile ukuba ngempumelelo, idatha okuhlobene ukwenza izixazululo zokudluliselwa okungenani futhi ukufinyelela abantu abaningi. I-Network ngokuvamile ibheka ama-investors ne-fundraisers ngaphansi kwezimo ezivamile ezivamile ezivamile. Uma i-creditcoin ibheka, i-creditcoin ibheka ngokuvamile ku-chain, okwenza ukuthi idatha zithunyelwe ukuhlolwa kwezimpendulo zokusiza. Ngokunciphisa ama-intermediaries ezingenalutho, ivumela izinga lokuphendula kakhulu kanye nezimo zokuthumela ezinzima ezivela ezivamile ezingenalutho. I-Creditcoin futhi inikeza ukuxhumana kwebhizinisi lwezimpendulo ngaphandle kokuthunyelwa kwebhizinisi yomsebenzisi. Noma-cryptocurrency ingathengiswa ku-Creditcoin network, ne-native token (CTC) isetshenziselwa ukulayisha izindleko zokuthumela kanye nezimali. I-Creditcoin isekelwe ku-Nominated Proof of Stake (NPoS) framework, lapho ama-validators zihlanganisa ama-tokens ukuze zithole izidingo zokukhiqiza kanye nokugqwala ama-blocks. Zonke ama-validators zihlanganisa izigidi ezilodwa ngaphandle koku-akhawunti yabo. Ukuze abafuna ukuqhuma isihlanganisi yayo, kukhona ukhetho ukukhangisa njenge-nominator, ukunikela isihlanganisi yakho ku-validators esidumile kanye nokuhlanganisa ama-rewards noma ama-penalty yabo. Yini ukwakha Creditcoin? Kushintshiwe ngo-2019 by Ngena ngemvume I-Creditcoin isekelwe ku-EVM-compatible ubuchwepheshe ukweseka i-credit decentralized. I-Aella, okuyinto isebenza cishe njenge-banki ye-digital, inikeza i-credit, i-savings, i-fact payments, kanye ne-investment products e-economies ezivela. I-mission yayo kuyinto ukwenza i-financial services elula, elula, nokufinyelela. Ukuhlobisa Waze Gluwa, Ngaphandle kwalokho, yasungulwa ngu , kuyinto blockchain ubuchwepheshe inkampani ukwakhiwa izakhiwo zezimali futhi zezimboni. Ngaphandle Creditcoin, it futhi yakhelwe , inethiwekhi ye-nanosatellites eyahlukile elihlanganisa ukunikela ukuxhuma kwe-internet ehlabathini, engatholile ku-Creditcoin blockchain. Ngena ngemvume I-Spacecoin I-Creditcoin Yokusebenza Ngemuva kokufinyelela, i-Creditcoin iye yasungulwa ezingaphezu kwama-5 million i-transactions kanye nokuxhumana ne-Nigeria's central bank ukuze asize ukuqhuma kwe-creditcoin. Thola futhi nezivumelwano nezivumelwano e-Liberia, i-Ghana, ne-Sierra Leone ukwandisa lokhu umphumela. eNaira, I-Central Bank yeNigeria Digital Currency (CBDC) Ngaphezu kwalokho, I-Creditcoin i-Naira iye iye iye iye iye iye iye iye iye iye iye iye iye iye iye iye iye iye iye iye iye iye iye iye iye iye iye iye iye iye iye iye iye iye iye iye iye iye iye iye iye iye iye iye iye iye iye iye iye iye. Ukulungiselela On-Chain Lending I-On-Chain Loaning ikakhulukazi ibhizinisi nokuthumela ngokusebenzisa i-smart contracts ku-blockchain, kunokuba nge-banks ezivamile. I-open, i-non-permission, ne-transparent by design. Aave, Compound, no-Yearn zihlanganisa amaqembu amakhulu kulesi sase-industry. Kodwa ngokuvamile, akuyona enhle. Kukho izinzuzo ngokuvumelana nokuthintela izakhiwo zayo zayo, ukhuseleko izivumelwano ze-smart kusuka ku-bugs, ukuxhumana ne-crypto collateral emangalisayo, kanye nokuvimbela izinhlelo zangaphakathi. Indlela Creditcoin Izakhiwo Trust I-Creditcoin isixazululo eminingi yayo ngokuvakashela idokhumenti yobuchwepheshe yobuchwepheshe yobuchwepheshe. Abalandeli angakwazi ukwakha idokhumenti esibonakalayo, ngenkathi abalandeli bafumene izitifiketi ezibonakalayo ngaphandle kokwenza amabhokisi omncane. Nge-partnerships ne-fintechs e-licensed, i-Creditcoin ingathola idivayisi lama-off-chain nangokugcina idatha yayo yokudluliselwa ku-chain, ngakho-ke uzothola ukunambitheka nokuhambisana. Plus, ngenxa yokubhalisa kwe-blockchain encryptographically, kubaluleke kakhulu kumadokhumenti. Njengoba lezi zebhizinisi zebhizinisi zibonakalayo emhlabeni wonke, i-Creditcoin inikeza ukuhambisa phakathi kwezimali. Izinzuzo kanye nezinzuzo ezivela amazwe ngamazwe ezivela ngokuvamile ngokuvumelana nezinhlelo zebhizinisi zebhizinisi zangaphakathi. Lokhu kubalulekile ukuhambisa i-capital kusuka emakethe ezivela kuma-economies ezivela kakhulu. I-On-Chain Lending Yenza Imibuzo Ukudluliselwa kwamakhemikhali ivela izindleko ezihambile, imibhalo, kanye nezinhlelo ezinzima kakhulu. Ukudluliselwa kwamakhemikhali ivela lokhu ngokuvumela inqubo ephelele ku-blockchain, lapho wonke umntu angakwazi ukubona okuholela isikhathi esifanayo. Ukuze ama-communities ngaphandle kwezinhlelo zekhredithi ezinhle, lokhu kuyinto enhle. It ivumela abantu ukwakha i-transparent, i-probable credit reputation ngaphandle kokubili, ngaphandle kwe-intermediaries emangalisayo. Kubalulekile futhi ukuthi uma ngiziphi na "ukudluliselwa kwehlabathi", ngingathanda ukufumana i-credit emangalisayo, nge-confidence ukuthi umphakeli usihlanganisa i-reel repayment record yami, futhi akuyona ingozi emangalisayo. Izinzuzo ze-Technical to Watch Enye into okwenza i-Creditcoin emangalisayo kakhulu i-EVM ye-compatibility yayo, i-Ethereum ingasebenza nge-app kanye ne-smart contracts eyenziwe ku-Ethereum, ukufinyelela kwenethiwekhi ye-innovation ne-developer. Lokhu ukuvuseleleka kusiza ukuhlaziywa futhi ukunikezela ngokufanelekileyo njengezimo se-financial. Yini ngokugqithisileyo ingqondo yami kuyinto indlela Creditcoin ukuxhumanisa nge-nanosatellite network ye-Spacecoin. Qinisekisa umuntu emadolobheni enhle, ngaphandle kwebhanki futhi ngaphandle kwe-internet, ngokushesha ukuxhumanisa nge-satellite ku-blockchain. Kunzima ukuqala ukwakha umlando wekhredithi ngaphandle kwe-appliance elula, ukuguqulwa izibuyekezo zayo jikelele. Ukulungiselela ukubaluleka kwebhizinisi Uma kukhona into eyodwa ngazifundile kusukela ukubona zonke izikhangiso zendiza zangaphakathi, kuyinto ukuthi ukuhambisa kungcono. Uma abalandeli zithole izidingo zabo zayo zayo, lapho abalandeli abalandeli, abantu abalandeli, futhi wonke umuntu uye wahlukanisa inqubo. I-Blockchain ayikwazi ukuguqulwa yonke into, kodwa inikeza uhlobo le-trust esekelwe idatha eyenziwe ngokuvumelana kuncike. Yes, ikhodi ingaba ama-bug ne-human errors, kodwa okungenani i-open for everybody to check. Lokhu kubaluleke kakhulu kuncike kuncike i-app ye-loan eyenziwe ngempumelelo okuyinto akuyona inombolo yefoni. Okokuqala, lokhu kungenziwa Creditcoin enhle kakhulu. It akufuna ukhuseleko omncane, it inikeza izibuyekezo. Ngokunceda abantu ukwakha ukubuyekeza credit enhle, it ukunciphisa ukunemba ukunambitheka massive futhi ivula ukunambitheka okungabhanki. Ehlabathi lapho abaninzi abadlali zebhizinisi abalandeli nathi, lokhu kungenzeka nje ukuthi thina ufuna. Izinsiza 
 
 
 
 
 
 I-Whitepaper ye-Creditcoin Ibhulogi yeCreditcoin Small and Medium Enterprise Finance kusukela World Bank Onchain Ukudluliselwa I-Spacecoin I-Whitepaper ye-Creditcoin Ibhulogi yeCreditcoin Small and Medium Enterprise Finance kusukela World Bank Onchain Ukudluliselwa I-Spacecoin

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