DeFi MerchantCoin builds a new ecology of Internet finance + blockchain 3.0.
近年來，隨著區塊鏈技術的問世，數字經濟打破了金融領域寡頭壟斷的高門檻局面。區塊鏈技術更是從商業層面顛覆性地打破了原有的桎梏，讓每一位用戶都可以成為經濟價值的創造者和推動者。從寡頭到大眾，從中心化到去中心化，這不僅僅是一種商業模式與思維的變化，更重要的是開啟了一場具有歷史意義的去中心化商業變革。在此背景下MerchantCoin誕生，解決中小型服務類商家長期以來的融資、經營問題，打造出全球最為公正高效的金融服務生態體系。
One of the challenging problems presented to the traditional financial industry is how to serve small and medium-sized enterprises (SMEs). By World Bank assessments, SMEs are less likely to be able to obtain bank loans than large firms; instead, they rely on internal funds, or cash from friends and family, to launch and initially run their enterprises. The International Finance Corporation (IFC) estimates that 65 million firms, or 40% of formal micro, small and medium enterprises (MSMEs) in developing countries, have an unmet financing need of $5.2 trillion every year, which is equivalent to 1.4 times the current level of the global MSME lending. East Asia and Pacific accounts for the largest share (46%) of the total global finance gap and is followed by Latin America and the Caribbean (23%) and Europe and Central Asia (15%).
MerchantCoin is created in the dawn of this technology revolution to address the challenge. MerchantCoin’s mission is to build a market place for SMEs so they can attract like-minded investors. But before that, we have to build a platform for SMEs to run their business on. The infrastructure tooling may include digital payment wallets and enterprise software for SMEs to manage its customers, promotion events, supply chains, and finances. All those tools run on a distributed infrastructure platform that is operated by consensus, and by its nature is fully transparent and trustworthy.
一、MerchantCoin頂尖金融精英，構築數字金融服務平臺。
It is reported that MerchantCoin released blockchain digital financial services, combined with blockchain technology, based on the field of digital finance, and is committed to building a platform that provides financial services for small and medium-sized service businesses, and solves small and medium-sized enterprises through the blockchain + Internet finance model. Financing problems, the dilemma of aggregate payment, so that every online and offline transaction can be mined based on contributions and get rewards.
該公司成立於新加坡，其會員由持有ME投票權的Node投票產生。其核心團隊成員均來自全球各大知名金融機構。創始人張翼鵬先生畢業於UMCP，先後服務於美國Aether System等，並參與投資中美多個大型To B的金融企業。亞辛先生畢業於蒙彼利埃高等商學院，並在哈佛大學學習過中國歷史，了解中國文化和經濟體系，曾服務於螞蟻金服海外產品，領導海外團隊獲得千萬級別海外用戶。
MerchantCoin利用分布式技術，使得中小商戶的經營數位化，這一數位化的過程包括為中小商戶提供區塊鏈技術的支付服務，和運營管理工具，以及供應鏈管理工具（分布式SaaS)。這一套基於區塊鏈技術的產品及技術框架，為傳統服務類商家建立起數字話的風險控制模型和經營模型。
二、MerchantCoin聚合支付，智能合約支付網關。
MerchantCoin, which is positioned to provide digital financial services to merchants, does not directly provide fiat currency payment services, but in order to provide digital financial services to merchants, MerchantCoin needs to provide Node with an aggregate payment gateway product (mcGate). MerchantCoin not only obtains daily transaction data but also controls daily merchant transaction flow through smart contracts.
聚合支付服務商為商家提供法幣錢包交易收單服務。對於每筆交易在主鏈交易上產生交易記錄，並按照一定規則生成區塊。Node推廣的商家越多，交易越多，獲得的ME也就越多。
MerchantCoin平臺為商家也建立了一個數位化模型，其智能合約系統為商家自動生成智能合約，其中規定了購買智能合約的用戶商家給予的分成比例。在每天日結時，由智能合約系統mcGate（負責結算的模塊）將分成法幣資金打入指定資金池。
三、MerchantCoin支持多維信息評估，可信數字結算。
MerchantCoin can be used in the multi-dimensional information flow evaluation system, the tokenization of the merchant's future flow estimation, and the digital settlement system. Targeted meet the needs of investors for multi-dimensional information evaluation for financing small and medium-sized service enterprises.
通過對多渠道信息流的有效監控，商家的所有信息回被採集，並按照固定格式記錄在系統中，該信息不可以被篡改，商家可根據每條信息流的評估系統進行有效的經營狀況分析。基於區塊鏈去信任的這一特點，MerchantCoin還解決了信任問題，保證資產的流通與投資的公開透明化。根據多維信息流系統將未來的流水預估通證化，實現資金流轉與價值傳導。最後，在供應鏈結算層面，通過數字資產與實際業務之間的價值傳遞，連接產業下遊環節，實現高效的供應鏈結算，降低成本、加快效率。
四、MerchantCoin革新系統框架，簡化數字支付。
The product includes mcGatefor aggregate payment and mcSaaS, a merchant operating system, and a set of public APIs to support mcGate and mcSaaS, public chain systems, risk control systems, etc. mcPOS is a "cash register" used by merchants to complete payment transactions by scanning the QR code of the user's mobile wallet. mcsaas is the operating system of the merchant. Merchants use mcsaas to manage membership, supply chain, and marketing. If a merchant uses mcsaas, it can cover the functions of mcPOS. mcGate is an aggregate payment gateway, operated and owned by Node. mcGate helps merchants complete fiat currency transaction settlement and reconciliation. According to the concept of the transaction as mining, mcGate will generate Mer-chantcoin blocks based on transaction data. mcGate also reserves a share from the merchant transaction flow based on the smart contract. The loT, Merchantcoin platform manages and monitors merchant hardware, such as POS, smart speakers, etc. through a loT of modules. Messageingcloud, push expensive information, such as payment success or failure information, payment arrival information, etc.
並且對於一個金融服務平臺而言，合約代碼中的行為事項，需要始終求助於專業編碼人員的解釋，這會極大的限制住其運用場景，而對於MerchantCoin而言，其打造的是一套標準化，人類可讀的指令，從而讓無技術的使用者可以輕鬆理解協議內容，並且沒有任何潛在的漏洞。
五、MerchantCoin營造社區底層規則，引領區塊鏈3.0。
MerchantCoin will pioneer the establishment of a financial service ecosystem in the blockchain 3.0 era based on the traditional financial industry model, establish a set of open, fair and just underlying rules, accelerate the value transfer of the entire financial service industry, and optimize the composition of the industrial structure. Completely solve the market pain points of small and medium-sized enterprises' financing difficulties, continue to lead the development of the industry, and promote the application of blockchain technology in the global financial service field.
最後，MerchantCoin致力於打造一個社區共贏的生態鏈。在由Node、商家、開發者平臺、投資則組成的多角色平臺中，憑藉先進的商業閉環規則，實現生態內的所有參與者均獲得公平的利益分配，多方實現共贏，整個商業生態才能獲得發展與提升。
本文來源： BBC Network News/ 作者：亞太時刊