Text | Suixin
Produced | Odaily (ID: o-daily)
Text | Suixin
Produced | Odaily (ID: o-daily)
The afternoon sun came in through the floor-to-ceiling windows. Li Shubo, technical director of Ant Financial BaaS platform, and others stood on the podium waiting for questions. Under the stage, nearly 200 blockchain practitioners who were preparing to participate in the competition were eager to try.
"How do you prove that you are using blockchain technology?" A man with a crew cut asked Li Shubo with a microphone, and the audience burst into laughter.
This is the first Beijing station of the "Ant Blockchain Innovation Competition RoadShow" hosted by Ant Financial.
At present, various technical applications of blockchain are constantly being proposed, but there are not many real applications. How the blockchain, which represents emerging technologies in the future, will be implemented, how to effectively integrate with the real economy and create new applications is the question that practitioners in this industry want to explore the most, and it is also the question that this Ant Blockchain Innovation Competition most wants to find the answer to .
Three years ago, Ant Financial has quietly focused on building an independent and controllable financial-level blockchain platform, which is the Ant BaaS platform we are currently seeing.
Based on the BaaS platform, Ant Financial has been exploring blockchain applications. At the same time, enterprises can also do related business deployment and development on the BaaS platform according to their own needs.
Up to now, Ant Financial has core technical advantages such as large-scale node consensus and flexible and secure programming model, and has more than 30 application scenarios, including charity, insurance business, supply chain finance, electronic contracting, cross-border remittance, etc.
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The BaaS platform is already the underlying business that giants compete for
In the past two years, Internet giants such as BAT have made their own layouts in the blockchain field, but in the commercial field, it is difficult for front-line blockchain practitioners outside the giants to get close to them. For those who are struggling to explore the blockchain world, the "Ant Blockchain Innovation Competition RoadShow" is a window to get closer to the giants.
The Ant BaaS platform is an alliance chain. In order to explain this platform clearly, Li Shubo said to the people waiting for the competition: "For example, we are already in an alliance created by ourselves. Everyone was originally established by mutual trust. In such a trusted environment, several companies come to do one thing, which company does what on it, or he destroys this node, or does other things, all are public, and everyone can See. And to maintain this environment, there is an enforceable contract."
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Li Shubo, Technical Director of Ant Blockchain BaaS
The BaaS platform is not a new concept. In fact, it has long been the standard configuration of major Internet giants in the blockchain layout. Including Ali, Tencent, Baidu, JD.com, Huawei and other major Internet companies will bet on To B and To D businesses in the future, competing for BaaS platforms, alliance chains and other underlying businesses, and some even develop as key businesses in blockchain.
To put it simply, the BaaS platform lowers the threshold for developing and using blockchain, allowing enterprise developers to build business applications on this platform and explore blockchain landing scenarios together with the platform.
"As the foundation of industry blockchain solutions, the BaaS platform has core functions of alliance chain management, certificates and secret keys, automated deployment, certificate storage platform and smart contract platform, business deployment and development support, etc." Ant Blockchain BaaS Sun Shanlu, a technical expert, said.
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Solve the financing problems of SMEs
What can be done based on such a platform is what the contestants are most concerned about.
"How can enterprise developers build business applications on the platform, and what results will they achieve?" asked one attendee.
Several companies that have already made different applications on the Ant BaaS platform shared.
Shuangliantong is an application developed on the BaaS platform. It is a service based on the blockchain supply chain collaboration network. By improving the transparency of upstream and downstream transactions in the supply chain, financial institutions can finance small, medium and micro enterprises based on blockchain receivable vouchers.
It mainly solves the financing problems of the upstream and downstream of the vast supply chain, especially small and medium-sized enterprises.
Liang Rong, a product expert at Ant Financial, believes that under normal circumstances, small, medium and micro enterprises have no other assets that can be used as collateral other than "accounts receivable", and bank services are usually difficult to reach. Since it is impossible to assess the authenticity of the trade background and order data provided by upstream and downstream companies in the supply chain, it is usually difficult for financial institutions to establish a trust relationship with these companies based on risk control requirements. Based on the Ant BaaS platform, the trustworthy relationship of data can be strengthened.
In the atmosphere of exploring applications that can be developed based on BaaS, Liang Rong believes that this is the role that blockchain should play.
"Distributed and weakly centralized work together, digitization, high credibility, and asset intelligence programming can generate more applications." She said.
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Waiting for the digital transformation of the future
Nearly 200 people participated in the kick-off meeting, and people continued to discuss and share their experience in developing applications on the BaaS platform.
Lin Dahai, vice president of Jincai Internet Technology, introduced the electronic invoice application developed by him.
"Tax invoices are closely related to personal life." He said. Traditionally, the electronic invoice data issued by taxpayers is aggregated and stored on a third-party service platform. Not only does the invoice data have the risk of leakage and illegal use, but it is also difficult for the invoice recipient to collect across platforms, which is prone to double entry and difficult to determine the authenticity of the invoice. False and other issues.
"Using the characteristics of high mutual trust, traceability, non-tampering, weak centralization, distributed storage, and point-to-point transmission of blockchain can effectively solve the problems caused by traditional invoicing." Lin Dahai said, "In the future, blockchain will be integrated with Tax credit, government affairs certification, personal tax and social security are closely linked to realize digital transformation."
The leasing market is also an area of concern. According to Li Guoyun, CEO of Zugeliang, a deposit-free leasing service platform for office electronic equipment, Li Guoyun believes that the empowerment of the leasing industry by the ant blockchain is a sign of the maturity of the leasing business model.
"The market prospect of the mortgage-free leasing industry is broad, but there are currently pain points such as the long-term high cost of risk review, huge damage to the industry by false and fraudulent transactions, and overdue payment behaviors that squeeze profits." Li Guoyun said: "The ant blockchain aims at the current situation. There are common pain points in the leasing industry, and precise guidance. Low risk control can effectively reduce the investment in risk control and audit of merchants, and high amount can improve the conversion rate of user orders, and punishment for breach of contract can achieve zero bad debts. "
The open ecology of the blockchain is promoting more technical talents to explore the application, which is a scene that Ant Financial is happy to see.
"More people are welcome to come to BaaS to experience the development of landing applications." Li Shubo said. Blockchain technology is gradually breaking through, and the corresponding business opportunities are coming quickly.
