蚂蚁集团发布又一区块链重磅应用 能否再造一个“支付宝”?

资讯 2024-07-03 阅读:106 评论:0
《科创板日报》(记者 柴刚 戚夜云)讯,今日下午,蚂蚁集团在外滩大会上发布基于蚂蚁链技术的全新国际贸易和金融服务平台Trusple平台,并将其形容为:堪比支付宝诞生的重磅发布。˂strong', The Creative Daily New...
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《科创板日报》(记者 柴刚 戚夜云)讯,今日下午,蚂蚁集团在外滩大会上发布基于蚂蚁链技术的全新国际贸易和金融服务平台Trusple平台,并将其形容为:堪比支付宝诞生的重磅发布。

, this afternoon, the Ant Group launched a new international trade and financial services platform, Trusple, based on ant-chain technology, at a beach conference and described it as: a heavy pound of the birth of the payment treasure.

在此之前,阿里方面也多次预告将在今日发布“颠覆性产品”。那么,Trusple能解决哪些痛点?应用前景有多大?Trusple的推广目前面临哪些困境和阻碍?

Before that, Ali also predicted that “subversive products” would be released today. So, what are the pains that Trusple can address? What are the prospects for application? What are the difficulties and obstacles that Trusple is currently facing?

又一个“支付宝”

“与支付宝当年推出担保交易的初衷一样,Trusple也是为了解决交易信任问题,所不同的是,由于区块链技术在解决复杂流程信任中的突出特性,Trusple更好地契合了解决国际贸易信任的需求。”蚂蚁集团副总裁、智能科技事业群总裁蒋国飞表示。

“As with the introduction of secured transactions in the year of payment, Trusple was also intended to address the issue of trust in transactions, unlike the fact that, because of the salient characteristics of block chain technology in resolving trust in complex processes, Trusple better matched the need to address trust in international trade.” The Vice-President of the Ants Group and the Managing Director of the Smart Technology Group, Chiang Kuo Fung, indicated.

具体来看,在Trusple平台,当买家和卖家产生一笔贸易订单后自动上链并开始流转,银行会基于订单约定的付款条件自动进行支付,避免了传统模式下卖家需督促买家去线下操作转账,同时也能防止屡有发生的恶意拖延付款时间现象。而买家也可以基于上链的真实订单获得账期等金融服务,大大提升了资金利用率和采购效率。

Specifically, on the Trusple platform, when buyers and sellers produce a trade order, they automatically chain up and start to move, and banks make payments on the basis of the agreed terms of payment of the order, avoiding traditional patterns in which buyers are required to urge buyers to operate the transfers off-line, while also preventing the recurrence of malicious delays in payment time. Buyers can also access financial services, such as the account period, on the basis of genuine orders from the upper chain, which greatly improves the use of funds and the efficiency of procurement.

而对买卖双方来说,在Trusple上的每一次成功交易都是一次“链上信用”的沉淀。当企业产生融资需求时,金融机构可以向Trusple平台提出验证请求,来确定企业的贸易真实性。这样一来,一方面降低了银行等金融机构的金融服务风险,同时也盘活了中小企业的生存和营运能力。

For buyers and sellers, each successful transaction on Trusple is a “chain-based credit” deposit. When an enterprise generates financing needs, financial institutions can request certification from the Trusple platform to determine the true nature of the business’s trade.

据了解,目前已有法国巴黎银行、花旗银行、星展银行、德意志银行、渣打银行5家银行成为Trusple的首批合作伙伴。

It is known that five banks, BNP Paribas, Citibank, Star show, Deutsche Bank and Chartered Bank, are now the first partners of Trusple.

“在跨境贸易中,传统解决买卖双方信任问题的办法是银行,由银行信用替代买卖双方的商业信用,提供与进出口贸易结算相关的短期融资或信用便利,促进交易的完成,这就是银行的贸易融资业务。”欧科云链研究院首席研究员李炼炫告诉《科创板日报》记者。

“In cross-border trade, the traditional solution to the problem of trust between buyers and sellers is a bank that replaces the commercial credit of both buyers and sellers by providing short-term financing or credit facilities related to the settlement of import-export trades and facilitating the completion of the transaction, which is the trade finance business of the bank.” Lee Xuan, Chief Researcher at the Eucoun Chain Research Institute, told the reporter of the Incorporated Daily.

传统的贸易融资业务有多复杂?以下是银行的信用证业务流程图:

How complex are traditional trade finance operations? The following are the bank's business process maps for letters of credit:

image

从以上可以看出,传统国际贸易融资模式不仅流程复杂,而且银行还要收取高额的服务费。如果有了区块链贸易结算平台,开发一个贸易结算合约,出口商直接将预付款放在智能合约中,等出口商的货物到达目的地,系统验证单证合格后再触发智能合约放款给出口商,不仅流程简单,服务费用低,更重要的是能降低资金占用周期,提高资金效率。

As can be seen from the above, traditional international trade financing models are not only complex processes, but banks also charge high fees for services. If there is a block-chain trade clearing platform to develop a trade settlement contract, exporters place the advance directly in a smart contract, waiting for the exporter’s goods to reach their destination, and then triggering an intelligent contract loan to the exporter after the system certification documents are qualified, it is not only simple processes, low service costs, but also, more importantly, reducing the cycle of capital occupancy and improving financial efficiency.

“目前蚂蚁集团推出的Trusple便是如此,蚂蚁链也支持智能合约。”李炼炫表示。

"This is the case with Trusple, which is now being introduced by the ants group, and the ants chain supports smart contracts." Li Quantifying means.

概括起来,传统跨境贸易和Trusple就是中心化与去中心化的差异。传统的贸易模式中,银行作为中心,为买卖双方提供交易信用或融资便利,保证交易的顺利进行,这其中的“信用”是银行的第三方信用。而区块链的信任模式,其“信用”来自于区块链本身,不需要第三方中介。

In general, traditional cross-border trade and Trusple are the difference between centralization and decentralization. In the traditional trade model, banks act as centres that provide both buyers and sellers with credit or financing facilities to ensure the smooth conduct of transactions, of which “credit” is the credit of a third party.

面临两大障碍

faces two major obstacles

Trusple的推出也实现了阿里19年来的一个夙愿。

The launch of Trusple also met a wish made by Ali for 19 years.

早在2001年,阿里巴巴B2B公司就曾尝试用类似中间担保的模式解决外贸交易中买卖双方互不信任的问题,但受限于时的技术条件未能如愿。2年后,支付宝的出现解决了C2C业务用户之间的信任问题。但由于企业之间的交易远比个人之间复杂得多,付款方式和物流方式也有很大差异,因此19年前的计划一直搁置至今。直到如果区块链的出现,提供了新的解决方案。也因此,阿里方面将Trusple的推出称为堪比支付宝诞生的重磅发布。

As early as 2001, Alibaba B2B attempted to resolve the problem of mutual distrust between buyers and sellers in foreign trade transactions on a model similar to intermediate guarantees, but the technical conditions were not met. Two years later, the arrival of payment treasures solved the problem of trust between users of C2C operations.

值得注意的是,Trusple虽与支付宝功能类似,都是为了解决不同主体之间的信任问题,但解决思路完全相反。Trusple旨在消除中间环节,去中介化,而支付宝则是一个拥有10亿用户的最大中介。Trusple仅针对跨境贸易中的B端用户,因此目前来看与支付宝相安无事。那么未来如果有类似产品用于国内C2C电商场景,则意味着将革支付宝的命。

It is worth noting that Truspole, which is similar to the function of payment treasures, is trying to resolve the problem of trust between different subjects, but it is doing exactly the opposite. Trusple, which aims to eliminate intermediaries and de-intermediate, is the biggest broker with a billion users.

蚂蚁集团智能科技事业群副总裁邹亮告诉《科创板日报》记者,Trusple只基于蚂蚁链平台。据披露,蚂蚁链平台目前日上链量超过1亿。蚂蚁链目前接入的企业用户有多少,海外用户占比多少?邹亮未正面回答,仅表示Trusple刚推出市场,未来用户会越来多。

The Vice-President of the Ant Corporation’s Smart Technology Enterprise, Zou Qing, told the Journalist, Trusple, based only on the ants chain platform. It was revealed that the ants chain platform currently has more than 100 million solar links. How many business users are connected to the ant chain, and how many overseas users are?

那么,Trusple在推广中将面临哪些障碍和困难?李炼炫告诉《科创板日报》记者,一是银行,贸易融资业务是银行的中间业务,Trusple平台会抢占银行的市场份额,就像当年推出余额宝对银行存款业务的冲击,如何处理好与银行的关系将成为难点;第二,区块链的信用来源于其公开透明,不可篡改的特征,但蚂蚁链的“公开透明”看起来更像是噱头,目前蚂蚁链开源、开放这块做得并不算好,信用更多是来自于蚂蚁集团本身的背书,而非区块链技术。

So, what are the obstacles and difficulties that Trusple will face in promoting it? Li Xiu Jin told the Journalist that banks, where trade finance business is an intermediary business, would take up the bank’s market share, just as it would be difficult to deal with the bank’s relationship with the bank’s bank deposit business when the balance sheet was rolled out in that year; and secondly, the sector chain’s credit flow was open and transparent and could not be tampered with, but the ant chain’s “open and transparent” seemed more like a head, and the ants chain was now open and open was not doing well. Credit came more from the ants’ own back book than from the ants’ own chain technology.

阿里的区块链布局

Ari's block chain layout

区块链基于去中心化、公开透明、信息可追溯、防篡改、智能合约自动执行等特性,天然属于解决信任问题的利器。正如《经济学人》所言:区块链会成为“信任的机器”。因此马云说,没有区块链的阿里会“死人”的。

The block chain, based on decentralizing, open transparency, traceability of information, tampering, and automatic implementation of smart contracts, is naturally a tool for resolving trust problems. As Economists put it, the block chain becomes a “trusted machine.”

马云这话并非危言耸听。以电商起家的阿里,支付宝在解决消费者和商家之间在线上交易的信任问题中,发挥了关键作用。可以说,没有支付宝就没有阿里今天的电商帝国。“我们在过去十几年中,持续通过技术和创新,推动信任机制的建设”,蚂蚁集团在IPO招股书中如是说。

Ali, who started with electricity, played a key role in resolving the question of trust between consumers and businesses on-line. It can be said that there can be no power empire for Ali today without payment.

为此,早在2015年,阿里就成立了区块链小组,开始投入区块链的研发。2017年10月,蚂蚁金服(蚂蚁集团前身)发布“BASIC战略”(区块链、人工智能、安全、物联网、云计算)。今年7月,蚂蚁集团申请科创板上市前夕,蚂蚁区块链正式升级为“蚂蚁链”,马云亲自为蚂蚁链命名,可见其在阿里生态中的地位。

To this end, as early as 2015, Ali set up a block chain group to start developing the block chain. In October 2017, an ant gold suit (the predecessor of the ants group) released the BASIC strategy (block chains, artificial intelligence, security, networking of objects, cloud computing). In July this year, on the eve of an ant group's application for the panel, the ant block chain was officially upgraded to an ant chain, and Maun named the ant chain itself as its place in Ali's ecology.

如今,阿里系已落地了50多个区块链应用场景,蚂蚁链在技术上已经能够支持10亿账户规模,同时能够支持每日10亿交易量,实现每秒10万笔跨链信息处理能力(PPS)。

Today, Ali is the site of more than 50 block chain applications, and the ant chain is technically capable of supporting 1 billion account sizes while supporting 1 billion transactions per day and achieving 100,000 cross-chain information processing capabilities (PPS) per second.

据《科创板日报》记者统计,在国家网信办发布的三批区块链信息服务备案名单中,阿里系有5款产品上榜,分别为:蚂蚁区块链BaaS平台、阿里云区块链服务、恒生共享账本HSL、蚂蚁司法区块链、阿里健康区块链处方平台。

According to the Daily News, Ali has five products on the list of three batches of block chain information services published by the National Network Information Office: the ants chain BaaS platform, the Ali Clouds block chain service, the HSL shared account book, the ant justice block chain and the Ali health block chain prescription platform.

今年4月,蚂蚁“开放联盟链”正式推出,面向中小企业全面开放其区块链技术和应用能力。随后,相关的区块链应用落地步伐进一步加快,7月份发布蚂蚁链一体机,可为政企开发者节省90%以上的区块链部署时间;9月18日对外开放包含数据安全计算硬件、3D合约安全服务、数据隐私计算服务的隐私安全“三件套”;今日再发布Trusple。

In April of this year, the ant “Open Alliance Chain” was officially launched, offering full access to its block chain technology and application capabilities for small and medium-sized enterprises. This was followed by a further acceleration in the implementation of the relevant block chain, with the release of an ant chain as a single machine in July, which would save political developers more than 90% of their deployment time; on September 18, it was opened to include data security hardware, a 3D contract security service, and a data privacy computing service “three sets”; and today it will release Trusple.

研发方面,阿里的区块链专利申请已经连续4年蝉联全球第一,其自研的跨链技术也被认定为国际标准。

In terms of R & D, Ali's block chain patent application has been the world's first in four consecutive years, and its self-researched cross-chain technology has been recognized as an international standard.

据上交所网站披露,蚂蚁集团的科创板IPO已进入“提交注册”环节。“上市以后,蚂蚁集团最重要的事是投技术,未来重点投入研发人工智能、风险管理、安全、区块链、计算及技术基础设施五大技术领域。”蚂蚁集团CEO胡晓明表示。

According to the submission website, the ants group's CIPO has entered the “Registration Registration” section. “The most important thing for the ants group after listing is to invest in technology, focusing in the future on five major technical areas: artificial intelligence, risk management, safety, block chains, computing and technological infrastructure.” The ants group CEO Ho Xiaoming states.

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