Category: Recently Added Whitepapers

Monetha (MTH) Whitepaper Introduction:
E-commerce worldwide sales in 2014 were USD 1.33 trillion and are projected to increase to USD 4.058 trillion by 2020. E-commerce share of retail sales is expected to increase from 7.4% in 2015 to 14.6% in 2020. Furthermore, according to Statista, the number of people buying goods or services online will increase from 1.46 billion in 2015 to above 2 billion in 2020.

Despite the explosive growth, three major problems still exist: 1. Trust​ ​and​ ​reputation​: Building trust is difficult, and it is centrally governed by big marketplaces. There is an inability to transfer trust from one centralized service to another, and thus a need to establish relationship with each merchant separately. Moreover, a merchant’s history is not recorded, so there is no ability to punish fraudulent buyers or merchants. Huge efforts and advertising budgets are needed to create trust if a merchant is not a part of a centralized marketplace.

2. Expensive​ ​and​ ​long​ ​payment​ ​process:​ ​There are 16(!) different steps to settle the transaction and up to 15(!) different fees to pay for payment gateways. Transaction fees range from 2% + 0.1 to 6% + 0.7. Chargeback fees of USD 15. Moreover, existing payment gateways rarely offer a simple solution for a merchant to accept mobile payments on their website or point of sale terminals.

3. An​ ​inability​ ​to​ ​reach​ ​the​ ​growing​ ​ethereum​ ​economy:​ Today, merchants cannot accept payments in Ether, which has reached a market cap of USD 36bn as of June 14th. Moreover, a totally new digital asset class is being created: tokens of products that are built on the Ethereum platform. The rise of a new kind of digital assets enables the creation of a token-based digital asset economy. It is expected that 10% of global GDP will be generated on blockchains by 2025. Merchants will definitely want to participate in the blockchain created economy.

Monetha​ ​is​ ​creating​ ​a​ ​universal​ ​decentralized​ ​trust​ ​and​ ​reputation​ ​solution working​ ​flawlessly​ ​together​ ​with​ ​mobile​ ​payments​ ​processing​ ​on​ ​the Ethereum​ ​blockchain​ ​leveraging​ ​smart​ ​contract​ ​technology. 1. Universal/Transferable​ ​trust​ ​and​ ​reputation​ ​system:​ ​Every time a transaction is made the blockchain will record the time of the transaction, both receiving and sending wallet addresses, warranty conditions, delivery time, and all other information that is typically needed to ensure trust. All the sensitive information will be hashed and only available to authorized users in a beautifully designed user interface. Based on that information, clients and merchants will be able to file/solve a claim, rate each other, etc. Every​ ​time​ ​a transaction​ ​is​ ​made,​ ​claim​ ​registered,​ ​solved​ ​or​ ​unsolved​ ​(according​ ​to the​ ​purchase​ ​details​ ​saved​ ​during​ ​the​ ​purchase),​ ​review​ ​written,​ ​etc.,​ ​the smart​ ​contract​ ​will​ ​automatically​ ​change​ ​the​ ​trust​ ​level​ ​for​ ​each​ ​of​ ​the parties​ ​involved.

2. Mobile​ ​payments​ ​solution:​ ​With the help of the Ethereum blockchain, we are able to make payments with only​ 1​ ​step​ ​and​ ​1​ ​fee,​ ​which results in accepting payments generally up to 5X cheaper and up to x10000 faster for merchants. After simple integration with Monetha, merchants will be able to: use our decentralized trust and reputation system, accept Ethereum based tokens, accept mobile payments, and easily convert cryptocurrency to their local fiat currency.

3. Enabling​ ​merchants​ ​to​ ​reach​ ​$10​ ​trillion​ ​digital​ ​asset​ ​economy:​ ​By developing Monetha, we will not only allow merchants to participate in a trustful decentralized economy, but also reach the growing digital asset economy through our payment solution. The World Bank estimates that 10% of global GDP will be generated on blockchains by 2025. The GDP estimated for 2025 is $100T, thus the value generated through blockchain is expected to be $10T (10%).

Mobile​ ​payments:​ ​According to Boston Consulting Group, the payment industry is about to experience a huge shift towards mobile payments: 1) In 2015 mobile payment volume was USD 8.6 billion in the US. It is expected to increase almost 32x by 2021 to reach $274bn in the US alone, 2) mobile share of total ecommerce is expected to increase to 48.5% of total e-commerce by 2020. It was 23.6% in 2015. Business​ ​model:​ ​Monetha will only have one fee – a 1.5% transaction fee for merchants.

Token​ ​and​ ​token​ ​ecosystem:​ ​A ⅓ of Monetha’s revenue will be put in the “Voucher Smart Contract” in a form of MTH tokens to our token holders with an ability to claim for a voucher proportionately to the amount of MTH tokens they hold. Token holders will receive a voucher in MTH (Monetha’s currency) to use it as a discount when buying from Monetha’s merchants. This voucher would be proportional to the amount of the MTH tokens held. Loyalty​ ​program:​ ​In order to encourage a network effect and create an ecosystem for the Monetha token, we are going to introduce a loyalty program for merchants.

Every purchase made via the Monetha payment system will reward the client of the merchant with 0.2% (the exact percentage might change over time) of the value of the transaction in Monetha tokens from the Monetha loyalty pool.

Monetha white paper pdf:

To succeed in today’s burgeoning blockchain ecosystem, relying on a onedimensional approach to success is no longer a viable long-term option. The market is saturated with coins that aim to accomplish little more than being a medium of exchange with one or two additional features. Short of a new, innovative technology, there is little potential to displace the large, legacy coins that have assumed some of the highest market capitalizations. Nor is it necessary.

The vision of Phore Blockchain is to provide a platform that facilitates decentralized commerce that is free to use and sustainable in nature. This vision reaches beyond the core blockchain to include applications and ventures built on top of the platform. An oak tree is a good conceptual model: Phore Blockchain is grounded in sound technology, it is our legacy and the roots of our platform; a system of self-governance in the shape of an independent network of masternodes forms our trunk and provides stability; and the breadth of projects designed on top of our platform, both realized and imagined, the crown of the tree. Phore Blockchain thus encompasses all facets of the ecosystem we are creating, with Phore coin (PHR) representing but one branch on the Phore Blockchain tree.

The Phore Blockchain will accord numerous capabilities, including but not limited to:

● atomic swaps and side-chains,
● fast, scalable, secure, and reliable transactions, ● options for both private and transparent transactions
● rewards for participation in the Phore Blockchain network similar to interest payments,
● decentralized marketplace,
● an advanced and flexible smart contract platform for building decentralized applications (dAPPs) that can be used in conjunction with private transactions, enabling new decentralized, privacy-enabled business models that keep you in control of your money and your personal information,
● initial coin offerings on the Phore Blockchain platform, ● crowdfunding fundraisers,
● custom blockchain creation and services,
● continued expansion and improvement in both the Phore protocol and Phore Blockchain in general,
● widespread accessibility and ease of use.

Developments designed to bolster the Phore Blockchain ecosystem are already underway (see Roadmap and Milestone sections).

Put simply, Phore Blockchain will be an ecosystem that continuously improve the technology behind PHR, creates new and innovative applications, hosts a decentralized marketplace, provides opportunities for crowdfunding, and offers blockchain-related services to third parties, both public and private. The utility of PHR, which touches all aspects of the ecosystem, will thus be manifold.

Our vision for Phore Blockchain is one of global adoption. Help us re-envision the world.

In this paper, we introduce Bodhi, the next generation blockchain based platform that decentralizes the prediction market. Bodhi leverages the advantages of the state-of-the-art decentralized prediction markets by integrating third-party Oracles and voting based decentralized Oracles via its Oracle abstraction layer. We intend to develop a novel replaceable Oracle framework where the prediction market is more effective and autonomous. Bodhi will be deployed on Qtum at the initial launch.

Keywords

Bodhi, Prediction Market, Smart Contract, Qtum, Ethereum

Abstract

Proof of Stake’s security has proven itself over years of testing. Advances in this technology in Blackcoin’s Proof-of-Stake 3.0 have solved the issues faced with Coin-Age, Block Reward and Blockchain Precomputation. The protocol is robust and keeps nodes connected to the network. It disincentives inactive nodes. In this paper we will highlight and outline the advantages and perform a security analysis of the system. We also outline ideas here in Blackcoin to potentially increase security further.

WeTrust is a collaborative savings, lending and insurance platform that is autonomous, agnostic, frictionless, and decentralized. WeTrust utilizes the Ethereum blockchain to create a full-stack alternative financial system that leverages existing social capital and trust networks, eliminating the need for a “trusted third party”, allowing for lower fees, improved incentive structures, decentralized risks, allowing a greater amount of capital to reside among the participants, and ultimately improving financial inclusion on a global scale.

WeTrust’s first product is a Trusted Lending Circle (TLC) platform, inspired by the ~1 billion people around the world who are using informal TLCs or Rotating and Saving Credit Associations (ROSCAs) to lend/ borrow, and support each other financially within their communities. On top of Trusted Lending Circles, WeTrust plans to build future products that include sovereign credit identities, trusted direct lending, mutual insurance, and more.

Abstract

2017 is the year of the outbreak of the blockchain, and many blockchain technologies obtained great progress. Blockchain is called the next-generation Internet technology, which transfers the information interconnection to the value of internet. At the same time, with the characteristics of value network and decentration consensus, the blockchain can develop a more perfect economic system, reconstruct the business ecology, and even inspire greater technological innovation in combination with many industries.

In particular, the distributed feature of the blockchain enables participants on the chain to share the economic benefits of the whole ecology without forming a monopoly. It can be used to break islanding of the industry, allowing the entire industry to compete in the collaboration and exchange basic data and facilities to form more benign technical and commercial cooperation.

The medical industry is an isolated island industry that strictly maintains its own data and technology. But meanwhile, it is the industry that needs to work together to safeguard the health and safety of human life, and many diseases need to improve the cure rate through the sharing of data and technologies among the institutions. At present, the islanding in the industry is very serious, and medical institutions are working independently and competing with each other. Governments and the United Nations have called upon the inter-enterprise collaboration to serve the health of all human beings, but it produces very little effect. The cause is rooted in the traditional business model that is not conducive to medical business collaboration and data sharing.

It is the relatively closed and semi-market-oriented feature of the industry that leads to the slow development of the medical field. But the medical industry also has a very broad market space. The annual expenditure of the global medical and health market has reached tens of trillions U.S. dollars. In developed countries, the medical and healthcare industry in the United States reached nearly four trillion U.S. dollars, accounting for more than 15% of its GDP. Meanwhile, among developing countries, the scale of China’s health industry has also reached nearly eight trillion yuan, accounting for 5% of its GDP, and there is still huge room for growth.

The new business and technology cooperation mode created by the blockchain can completely address the serious medical resources and information gap. There is no doubt that the solution of “Medical Treatment + Artificial Intelligence + Blockchain” can thoroughly address the current dilemma in the medical industry. The revolutionary business model and technical infrastructure enable various institutions on the whole chain of medical industry to exchange data, develop collaboratively and obtain their own corresponding economic benefits.

The combination of artificial intelligence with medical services can continuously acquire data in a distributed network to realize the functions of intelligent image diagnosis, medical bills OCR, electrocardiogram (ECG) monitoring, virtual health assistant and
the like, and the network has the capability of self-evolution.

AIDOC is the pioneer in the field of distributed intelligent medical treatment. It applies the cutting-edge technologies such as blockchain and artificial intelligence to the medical field, and constructs the intelligent medical value chain – AIDOC chain, which can link the participants on the chain, integrate the resources of health industry, improve the value of health data, and maximize the value of the participants on the chain.

After uploading their own health vital signs data and medical data to the AIDOC chain, users will get token rewards
through the way that is similar to “mining” , so that personal signs are digitized in the AIDOC chain. Through digitally writing the personal signs to the AIDOC chain, a “bit digital person” will be constructed, which is the real mapping of the life on the AIDOC chain. Providing an AIdoctor for everyone, AIDOC combines the distributed AIdoctor with the blockchain.

The AIdoctor real-time monitors the signs data and knows your individual detail indicators and abnormal statuses, so it can give you a more reasonable advice. The more accurate and comprehensive the data are, the more effective the health guidance and medical solutions can be. AIDOC hands over the retroactive rights, knowing rights and the access and control rights of vital signs data to the owner, so that the user can authorize the data to be opened or sold directly to the relevant medical institution or AI engine technology service provider, thereby realizing the free trade of medical data. Write the life health data to the blockchain and clone the bit digital person in the digital world, so that everyone can have an exclusive AIdoctor.

With the increasing popularity of blockchain technology, All Sports public blockchain hopes to fill the space for blockchain-based applicationsin the sports industry through blockchain technology, which is a sun-rise industry all over the world.

All Sports public blockchain makes use of blockchain technology, which combines application and business situations of sports industry and sports ecosystem chain, and will issue its native cryptographic token All Sports Coin (SOC) for use on the All Sports public blockchain. With the help of smart contracts and token systems, it offers both convenient payment and settlement and application development agreement for developers, and it is planned that the ecosystem will support sports information and community open platforms, sports IP asset trading and promoting platforms, prediction entertainment platforms, application open platforms etc.

Developers and ecosystem partners would be able to develop and access their own applications and resources in All Sports public blockchain, and realise customer acquisition quickly through information and community open platforms. Further, these ecosystem partners may achieve their aim of value transfer and token consumption through sports IP asset trading and promoting platforms, prediction entertainment platforms and application open platforms. The role of All Sports public blockchain is to assist developers to finish application development and resources monetising through the usage of SOC with APIs of key applications.

The Foundation’s aim is to create a decentralised, globalised sports blockchain platform which is deeply rooted in the sports industry ecosystem, enabling free-flow of sharing and transmission of values by all users and participants in the industry, and a variety of blockchain-based applications in the sports industry.

The Foundation has strong technical capability and offline resources integration capability. It has also reached consensus with the world’s largest mobile football media and community, the world’s top sports betting suppliers and service providers, and the world’s top sports stars on blockchain cooperation, allowing it to build All Sports public blockchain with strong industry support.

Abstract

FINANCE MEETS THE FUTURE
Cryptocurrency, traditional finance — we have decades of expertise in both. By bringing multiple specialties together, our team leads the future of trading – and helps you make the most of it today.

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