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sources/tech/20190311 Blockchain 2.0- Redefining Financial Services -Part 3.md

@@ -12,52 +12,37 @@ Blockchain 2.0: Redefining Financial Services [Part 3]
 
 ![](https://www.ostechnix.com/wp-content/uploads/2019/03/Financial-Services-1-720x340.png)
 
-The [**previous article of this series**][1] focused on building context to bring forth why moving our existing monetary system to a futuristic [**blockchain**][2] system is the next natural step in the evolution of “money”. We looked at the features of a blockchain platform which would aid in such a move. However, the financial markets are far more complex and composed of numerous other instruments that people trade rather than just a currency.
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 [**本系列的前一篇文章**][1]重点为引出为何现存的金融系统向充满未来主义的[**区块链**][2]体系迈进是“货币”改革的下一自然步而创建上下文环境。我们将继续查看哪些区块链特性将有助于这一迁移。但是，金融系统十分复杂，并且由很多其他仪器组成（人们并不只是使用货币进行交易）
 
-This part will explore the features of blockchain which will enable institutions to transform and interlace traditional banking and financing systems with it. As previously discussed, and proved, if enough people participate in a given blockchain n­­etwork and support the protocols for transactions, the nominal value that can be attributed to the “token” increases and becomes more stable. Take, for instance, Bitcoin (BTC). Like the simple paper currency, we’re all used to, cryptocurrencies such as Bitcoin and Ether can be utilized for all the former’s purposes from buying food to ships and from loaning money to insurance.
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 本部分将探索哪些区块链特性能够让金融机构向区块链平台迁移，并将传统银行和金融系统与其合并。如之前讨论证明的那样，如果有足够的人参与到给定的区块链网络并且支持交易协议，则赋给“代币”的面值将提升并变得更稳定。这种例子，如比特币（BTC）。和我们习惯使用的纸币一样，像比特币和以太币这样的加密货币，都可以用来购买食物，乃至贷款和购买保险。
 
-Chances are you are already involved with a bank or any other financial institution that makes use of blockchain ledger technology. The most significant uses of blockchain tech in the finance industry will be in setting up payments infrastructure, fund transfer technologies, and digital identity management. The latter two have traditionally been handled by legacy systems in the financial services industry. These systems are slowly being migrated to blockchain systems owing to their efficiency in handling work like this. The blockchain also offers high-quality data analytics solutions to these firms, an aspect that is quickly gaining prominence because of recent developments in data sciences.[1]
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 事实上，你所参与的银行或其他金融机构很可能已经利用了区块链分类账技术。金融行业中区块链技术最显著的用法是建立支付基础设施，基金交易技术和数字认证管理。传统上，后两者已经由金融服务业的旧系统处理了。但由于区块链处理上的效率，这些系统正逐渐的向区块链迁移合并。区块链还为这些金融服务业的公司提供高质量的数据分析解决方案，这一方面之所以能够快速的得到重视，主要得益于最近的数据科学的发展。[1]
 
-Considering the start-ups and projects at the cutting edge of innovation in this space first seems warranted due to their products or services already doing the rounds in the market today.
-
 从这一领域前沿阵地的初创企业和项目入手考察，区块链似乎能有所保证，因为这些企业或项目的产品已经开始在市场上扩展开来。
 
-Starting with PayPal, an online payments company started in 1998, and now among the largest of such platforms, it is considered to be a benchmark in terms of operations and technical prowess. PayPal derives largely from the existing monetary system. Its contribution to innovation came by how it collected and leveraged consumer data to provide services online at instantaneous speeds. Online transactions are taken for granted today with minimal innovation in the industry in terms of the tech that it’s based on. Having a solid foundation is a good thing, but that won’t give anyone an edge over their competition in this fast-paced IT world with new standards and technology being pioneered every other day. In 2014 PayPal subsidiary, **Braintree** announced partnerships with popular cryptocurrency payment solutions including **Coinbase** and **GoCoin** , in a bid to gradually integrate Bitcoin and other popular cryptocurrencies into its service platform. This basically gave its consumers a chance to explore and experience the side of what’s to come under the familiar umbrella cover and reliability of PayPal. In fact, ride-hailing company **Uber** had an exclusive partnership with Braintree to allow customers to pay for rides using Bitcoin.[2][3]
-
 PayPal，一个创建于 1998 年的在线支付公司，现为此类平台中最大的一个，常被视作操作和技术能力的基准。PayPal 很大程度上派生自现有的货币系统。它的创新贡献来自于如何收集并利用消费者数据，以便提供即时的在线服务。如今，在线交易已被认为是理所当然的事，在行业里，就其技术而言已经不具有创新点了。拥有坚实的基础是一件好事，但在快速发展的 IT 行业里并不能提供任何竞争力，毕竟每天都有新的标准和新的技术。2014 年，PayPal 子公司，**Braintree** 与流行的加密货币支付方案解决商 **Coinbase** 和 **GoCoin** 声明了合作关系，以便将比特币和其它加密货币整合到它们的服务平台上。这基本上给了加密货币支付方案解决商的消费者在 PayPal 可靠且熟悉的平台下探索和体验的一个机会。事实上，打车公司 **Uber** 和 Braintree 具有排他性的合作关系，以允许消费者在打车的时候使用比特币。[2][3]
 
-
-**Ripple** is making it easier for people to operate between multiple blockchains. Ripple has been in the headlines for moving ahead with regional banks in the US, for instance, to facilitate transferring money bilaterally to other regional banks without the need for a 3rd party intermediary resulting in reduced cost and time overheads. Ripple’s **Codius platform** allows for interoperability between blockchains and opens the doors to smart contracts programmed into the system for minimal tampering and confusion. Built on technology that is highly advanced, secure and scalable to suit needs, Ripple’s platform currently has names such as UBS and Standard Chartered on their client’s list. Many more are expected to join in.[4][5]
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 **Ripple** 正在让人们在多个区块链之间的操作变得更简单。Ripple 已经成为美国各地区银行向前发展的头条新闻，比如，在不需要第三方中介的情况下，将资金双边转移给其他地区银行，从而降低了成本和时间管理费用。Ripple 的**科迪乌斯平台**允许区块链之间互相操作，并为合同编入提供接口，以便让篡改和混乱最小化。建立在这种先进，安全并且可根据需要扩展的平台上，Ripple 以及拥有像瑞银（瑞士联合银行集团）和渣打银行（标准特许银行）在内的客户列表。更多的银行客户也在期待加入。[4][5]
 
-**Kraken** , a US-based cryptocurrency exchange operating in locations around the globe is known for their reliable **crypto quant** estimates even providing Bitcoin pricing data real time to the Bloomberg terminal. In 2015, they partnered with **Fidor Bank** to form what was then the world’s first Cryptocurrency Bank offering customers banking services and products which dealt with cryptocurrencies.[6]
+**Kraken**，一个在全球各地运营的美国加密货币交易所，因其可靠的**加密量**估算而文明，甚至向彭博终端实时提供比特币定价数据。在 2015 年，他们与 **菲多尔银行** 合作建立世界上第一个提供银行业务和加密货币交易的加密货币银行。
 
-**Circle** , another FinTech company is currently among the largest of its sorts involved with allowing users to invest and trade in cryptocurrency derived assets, similar to traditional money market assets.[7]
+**Circle**，另一家金融科技公司，是目前同类公司中规模最大的一家，允许用户投资和交易加密货币衍生资产，类似于传统的货币市场资产。[7]
 
-Companies such as **Wyre** and **Stellar** today have managed to bring down the lead time involved in international wire transfers from an average of 3 days to under 6 hours. Claims have been made saying that once a proper regulatory system is in place the same 6 hours can be brought down to a matter of seconds.[8]
+如今，像 **Wyre** 和 **Stellar** 这样的公司已经将国际电汇的提前期从平均 3 天降到了 6 小时。有人声称，一旦建立了适当的监管体系，同样的 6 小时可以缩短至几秒钟。
 
-Now while all of the above have focused on the start-up projects involved, it has to be remembered that the reach and capabilities of the older more respectable financial institutions should not be ignored. Institutions that have existed for decades if not centuries moving billions of dollars worldwide are equally interested in leveraging the blockchain and its potential.
+虽然现在上述内容集中在所涉及的启动项目上，但是更受尊敬的老派金融机构的影响力和能力不能被忽视。这些全球范围内，交易量数十亿美元，已经存在了数十年乃至上百年的机构，在利用区块链及其潜力上有着相当的兴趣。
 
-As we already mentioned in the previous article, **JP Morgan** recently unveiled their plans to exploit cryptocurrencies and the underlying ledger like the functionality of the blockchain for enterprises. The project, called **Quorum** , is defined as an **“Enterprise-ready distributed ledger and smart contract platform”**. The main goal being that gradually the bulk of the bank’s operations would one day be migrated to Quorum thus cutting significant investments that firms such as JP Morgan need to make in order to guarantee privacy, security, and transparency. They’re claimed to be the only player in the industry now to have complete ownership over the whole stack of the blockchain, protocol, and token system. They also released a cryptocurrency called **JPM Coin** meant to be used in transacting high volume settlements instantaneously. JPM coin is among the first “stable coins” to be backed by a major bank such as JP Morgan. A stable coin is a cryptocurrency whose price is linked to an existing major monetary system. Quorum is also touted for its capabilities to process almost 100 transactions a second which is leaps and bounds ahead of its contemporaries.[9]
+前面的文章中我们已经提到，**摩根大通**最近揭露了他们在开发加密货币和企业级别的区块链基础分类帐上的计划。该项目，被称为 **Quorum**，被定义为 **“准企业分布式分类帐和智能合同平台”**。这一平台的主要目标是将大量的银行操作逐渐的迁移到 Quorum 中，从而削减像摩根大通这样的公司在保证隐私，安全和透明度上的重大开销。他们声称自己是行业中唯一拥有区块链、协议和令牌系统全部所有权的玩家。他们也释放了一个称为 **JPM 硬币** 的加密货币，用于大额即时结算。JPM 硬币是由摩根大通等主要银行支持的首批“稳定币”。稳定币是其价格于现存主要货币系统相关联的加密货币。Quorum 也因其每秒几乎 100 次远高于同行的交易量而倍受吹捧。
 
-**Barclay’s** , a British multinational financial giant is reported to have registered two blockchain-based patents supposedly with the aim of streamlining fund transfers and KYC procedures. Barclay’s proposals though are more aimed toward improving their banking operations’ efficiency. One of the application deals with creating a private blockchain network for storing KYC details of consumers. Once verified, stored and confirmed, these details are immutable and nullifies the need for further verifications down the line. If implemented the protocol will do away with the need for multiple verifications of KYC details. Developing and densely populated countries such as India where a bulk of the population is yet to be inducted into a formal banking system will find the innovative KYC system useful in reducing random errors and lead times involved in the process[10]. Barclay’s is also rumored to be exploring the capabilities of a blockchain system to address credit status ratings and insurance claims.
+据报道，英国跨国金融巨头巴克莱已经注册了两项基于区块链的专利，旨在简化资金转移和 KYC 程序。巴克莱更多的是旨在提高自身的银行操作效率。其中一个应用是用于为客户的 KYC 细节创建私有区块链网络。一旦验证、存储和确认，这些详细信息将不可变，并且无需再进一步验证。若能实施这一应用，该协议将取消对 KYC 细节多次验证的需求。像印度这样的发展中并有着高密度人口的国家，其中大部分人口的 KYC 细节尚未被引入正式的银行系统中，若能引入这种具有革新意义的 KYC 系统，将有助于减少随机错误并减少交付时间[10]。据传，巴克莱同时也在探索区块链系统的功能，以便解决状态评级和保险赔偿问题。
 
-Such blockchain backed systems are designed to eliminate needless maintenance costs and leverage the power of smart contracts for enterprises which operate in industries where discretion, security, and speed determine competitive advantage. Being enterprise products, they’re built on protocols that ensure complete transaction and contract privacy along with a consensus mechanism which essentially nullifies corruption and bribery.
+这种以区块链作支撑的系统，被用来消除不必要的维护成本，并利用智能合同来为那些需要慎重、安全、和速度的企业在行业内赢得竞争力。这些企业产品建立在一个能够确保完整交易以及合同隐私的协议之上，同时建立了可使腐败和贿赂无效的共识机制。
 
-**PwC’s Global Fintech Report** from 2017 states that by 2020, an estimated 77% of all Fintech companies are estimated to switch to blockchain based technologies and processes concerning their operations. A whopping 90 percent of their respondents said that they were planning to adopt blockchain technology as part of an in-production system by 2020. Their judgments are not misplaced as significant cost savings and transparency gains from a regulatory point of view are guaranteed by moving to a blockchain based system.[11]
-
-Since regulatory capabilities are built into the blockchain platform by default the migration of firms from legacy systems to modern networks running blockchain ledgers is a welcome move for industry regulators as well. Transactions and trade movements can be verified and tracked on the fly once and for all rather than after. This, in the long run, will likely result in better regulation and risk management. Not to mention improved accountability from the part of firms and individuals alike.[11]
-
-While considerable investments in the space and leaping innovations are courtesy of large investments by established corporates it is misleading to think that such measures wouldn’t permeate the benefits to the end user. As banks and financial institutions start to adopt the blockchain, it will result in increased cost savings and efficiency for them which will ultimately mean good for the end consumer too. The added benefits of transparency and fraud protection will improve customer sentiments and more importantly improve the trust that people place on the banking and financial system. A much-needed revolution in the financial services industry is possible with blockchains and their integration into traditional services.
+**普华永道 2017 年的全球金融科技报告**表示到 2020 年，所有金融科技公司中约有 77％ 将转向基于区块链的技术和流程。 高达 90％ 的受访者表示他们计划在 2020 年之前将区块链技术作为生产系统的一部分。他们的判断没错，因为从监管的角度来看，通过转移到基于区块链的系统上，可以确保大量的成本被节约，并确保透明度增加。[11]
 
+由于区块链平台默认内置了监管能力，因此企业从遗留系统迁移到运行区块链分类账的现代网络也是行业监管机构的一个受欢迎的举措。交易和贸易运动可以一劳永逸地进行验证和跟踪。从长远来看，这可能会带来更好的监管和风险管理，更不用说改善公司和个人的责任。[11]
 
+虽然对跨越式创新的投资是由企业进行的大量投资顺带所致，但认为这些措施不会渗透到最终用户的利益中是具有误导性的。随着银行和金融机构开始采纳区块链，这将为他们带来更多的成本节约和效率，这最终也将对终端消费者有利。透明度和欺诈保护带来的额外好处将改善客户情绪，更重要的是提高人们对银行和金融系统的信任。通过区块链及其与传统服务的整合，金融服务行业急需的革命将成为可能。
 
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@@ -65,7 +50,7 @@ via: https://www.ostechnix.com/blockchain-2-0-redefining-financial-services/
 
 作者：[EDITOR][a]
 选题：[lujun9972][b]
-译者：[译者ID](https://github.com/译者ID)
+译者：[sanfusu](https://github.com/sanfusu)
 校对：[校对者ID](https://github.com/校对者ID)
 
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