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最有看点的互联网金融门户
区块链国际资讯

区块链或将替代效率低下的银行系统

和一些银行或金融巨头一样,摩根大通,这家总部位于纽约的3354亿美元的银行业巨头已经开始利用区块链技术进行自动化的交易处理。

包括摩根大通和高盛在内的银行所进行的大多数业务都需要大量的手工劳动。由于财务准则、汇款政策和全球KYC和AML系统的规定,在大多数情况下,银行电汇和转账可能需要五天到三个星期的时间。

尽管从法律上将高盛和摩根大通的做法描述为区块链技术开发系统比描述为基于区块链的应用程序更加准确,但银行必须严格控制其交易和结算。

区块链的未来

在3月2日举行的阿里卡区块链大会上,比特币安全专家安德烈亚斯·安东诺普洛斯在一次名为“区块链的未来”的演讲中解释说,比特币和其他成功的公共区块链网络(如Etherey)所使用的实际的区块链比传统的区块链的技术水平更高。

安东诺普洛斯说:

“区块链是比特币背后的技术。区块链是比特币背后的四大基础技术之一,但它不能单独存在,但这并没有阻止人们试图出售区块链。区块链就像是换了发型、穿上西装的比特币。想要将区块链从比特币中清除,对于那些对破坏性技术变革感到担忧的人们来说,可以采用更加温和的方式。”

那么银行实际上建立了什么?

加密证据和签名在大多数加密平台(如区块链网络)中至关重要,因为它们允许金融服务提供商在不可变的分类帐中记录资产和交易结算的时间结点。

由于绝大多数银行系统是集中式的,因此易受攻击。然而,随着区块链技术的使用,摩根大通等银行可以高效、安全地处理大量的交易。

摩根大通:区块链将取代无效率的银行系统

AMIS是最近与摩根大通合作的区块链基础架构供应商,它在早期加入了企业以太坊联盟,AMIS的首席执行官亚历山大·刘表示:

“协议是旨为了建立价值互联网的下一代变革的重要组成部分,类似于计算机网络的早期创建的TCP / IP协议。”

刘补充解释说,摩根大通开发团队将展示一种被称为权威证明(PoA)的新技术,这是一种协议,允许验证预先批准的节点。

在未来,关于安全性和网络效率的节点的预审流程将成为未来的一个问题,将在近期公开发布摩托罗拉公司的PoA区块链时得到回应。

目前,摩根大通和AMIS仍然坚信,区块链将在未来几年取代低效的、不安全的、集中式的金融网络,以优化客户的资产和交易结算流程。

Following other major banks and financial institutions such as Goldman Sachs, JPMorgan Chase, the New York-based $335.4 bn banking giant, has started to utilize Blockchain technology to automate high throughput transaction processing.

Most operations and settlements facilitated by banks including JPMorgan and Goldman Sachs require significant manual verification and labor. In most cases, bank wire and transfers can take at least five days to three weeks, due to the requirement of manual approval required by financial regulations, money transmission policies and KYC and AML systems globally.

“Blockchain vs. Bullshit”

At the Blockchain Arica Conference hosted on March 2, Bitcoin and security expert Andreas Antonopoulos explained in a talk called “Blockchain vs. Bullshit” that the actual Blockchain technology used by Bitcoin and other successful public Blockchain networks such as Ethereum require much more than the conventional “Blockchain technology” itself.

Antonopoulos stated:

“Blockchain is the technology behind Bitcoin. Which is incorrect. Blockchain is one of the four foundational technologies behind Bitcoin and it can’t stand alone. But that hasn’t stopped people from trying to sell it. Blockchain is Bitcoin with a haircut and a suit you parade in front of your board. It is the ability to deliver sanitized clean, comfortable version of Blockchain of Bitcoin to people who are too terrified of actually disruptive technology.”

Then what are banks actually building?

Cryptographic evidence and signatures are essential in most cryptographic platforms such as Blockchain networks as they allow financial service providers to record time stamps of settlements of assets and transactions in an immutable ledger.

Because the vast majority of banking systems are centralized, they are vulnerable to sophisticated hacking attacks and security breaches. However, with the usage of Blockchain technology, banks such as JPMorgan Chase can process high throughput transactions efficiently and most importantly, securely.

JPMorgan: Blockchain will replace inefficient banking systems

Alex Liu, the CEO of AMIS, the Blockchain infrastructure provider that partnered with JPMorgan recently and joined the Enterprise Ethereum Alliance in its early days, stated:

“The protocol is a vital part of efforts aimed at building the next evolution of the Internet of Value, similar to the creation of the TCP/IP protocol earlier in the history of computer networks.”

More to that, Liu explained that the JPMorgan Chase development team would showcase a new technology called proof of authority (PoA), a consensus protocol that would allow the verification of pre-approved nodes.

At the moment, JPMorgan Chase and AMIS remain absolutely confident that Blockchain will replace inefficient, insecure and centralized financial networks in the upcoming years, to optimize the settlement process of assets and transactions for users and customers.


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