Future of Finance

Transcript

1. Future of Finance ۚ༥ͷະདྷ
2. ۜߦ͸զʑͷੜ׆Λ࡞͖ͬͯͨ Banks are the fundamental part of our life
3. օ͕͓ۚΛ "ͱΓ͋͑ͣ" ༬͚ͨ͘ͳΔαʔϏε͔ͩΒ The first touchpoint of money with customers ͦͯͦ͠Ε͕རӹͱ੹೚ͷݯઘ And it is the source of profit and responsibility
4. Ծ૝௨՟ϒʔϜ͕ͻͱஈམ Cryptocurrency boom has been moderated ͪΐͬͱৼΓฦͬͯΈ·͠ΐ͏ Now let's review what was going on
5. Value Proposition of Cryptocurrency Ծ૝௨՟͕͠͹͠͹ओு͢Δར఺ͳͲ Initiation Request Settlement Order Payment Announcement Settle to Receiver's Account Payment Announcement Account of Bank A Account of Bank B Bank of japan's inter account settlement Reciever Sender Mechanism of Domestic Transfer Slow Fast Change Anytime Lower Fee No Bankrupt
6. But current status is..... Ͱ΋ݱঢ়͸ɾɾɾɾɾɾ Frequently exploited Not so fast
7. But current status is..... Ͱ΋ݱঢ়͸ɾɾɾɾɾɾ
8. 10 years later.. 10೥ޙͷۜߦΛߟ͑ͯΈ·͠ΐ͏
9. ύϯνΧʔυ Bank System's History ۜߦγεςϜͷ͜Ε·Ͱ Edge-notched card ϝΠϯϑϨʔϜ Main frame
10. Internet Payment's History Πϯλʔωοτܾࡁͷ͜Ε·Ͱ ϖΠϝϯτήʔτ΢ΣΠ Payment Gateway ϞόΠϧϖΠϝϯτ Mobile Payment
11. Short Confirmation of the Business Model of Bank ۜߦͷϏδωεϞσϧͷ֬ೝ Չ઎ Oligopoly औѻֹͷ࠷େԽ Circulation Maximization
12. John Lilic - ETHCC 2019 Japan as a crypto opportunity Borderless Competition ϘʔμϨεͳڝ૪
13. Domestic Change of Oligopoly Environment Չ઎ঢ়گͷมԽ New Class of License of Money Transfer. Mitigate bank license and let them compete each other.
14. How does this market change? த৺ͷͳ͍ૹٕۚज़ͱɺ௚ۙͷن੍؇࿨Ͱ with both new tech and new deregulation ࢢ৔͸Ͳ͏มΘΔʁ
15. Analysis of transaction volume structure ະདྷͷʮӡ༻Մೳͳ༬ۚ෼෍ʯΛ෼ੳ͢Δ
16. Centralized Exchange தԝूݖऔҾॴ Still it'll be used but DEX(non custodial exchange) can be dark horse কདྷ΋࢖ΘΕ͍ͯΔͩΖ͏͕ɺඇதԝूݖऔҾॴͱͷڝ૪؀ڥʹ͋Γ
17. Centralized Exchange தԝूݖऔҾॴ Centralized Exchange is target of hacking ηΩϡΞͳӡ༻͕೉͍͠
18. Insurance อݥɾ৴ୗ Permissionless platforms are coming, but interest performance isn't so good so far ୭Ͱ΋࢖͑Δ͜ͱΛചΓʹͨ͠อݥ΍৴ୗ͕ग़ͯདྷ͍ͯΔ͕ɺύϑΥʔϚϯε͸ඞͣ͠΋Α͘͸ͳ͍
19. ༬ۚ ିۚݿ Custody Service ༬ۚ Banking Vault Not really growing market ͦ͏੒௕͍ͯ͠ͳ͍
20. Hard-peg Stablecoin ϋʔυϖάɾεςʔϒϧίΠϯ On the top of e-money license, use blockchain's non custodial tech ۚূ๏Ͱѻ͏௨՟ݐͯࢿ࢈(Ձ஋͸ݱۚɺγεςϜ͸ϒϩοΫνΣʔϯ)
21. Stablecoin Market Trend @ U.S. εςʔϒϧίΠϯۀքτϨϯυ@US ϋʔυϖά͕ඪ४ ύϒϦοΫνΣʔϯ্Ͱൃߦ EthereumͷERC-20ن֨ʹ߹ΘͤΔ
22. Bank: 10 years later 10೥ޙͷۜߦ It'll be issuer of hardpeg stablecoin as well ϋʔυϖάɾεςʔϒϧίΠϯͷൃߦମʹ΋ͳΔ
26. Bank defines internet ۜߦ͕ΠϯλʔωοτΛఆٛ͢Δ
27. ๏ਓA ๏ਓB ๏ਓC Mechanism of traditional e-money ిࢠϚωʔͷཪଆ Corp A Corp B Corp C FSA
28. Bankrupt Security Hole Mechanism of traditional e-money ిࢠϚωʔͷཪଆ
29. FSA Robust ݎ࿚ No attack, No paperwork, No deposit Corp A Corp B Corp C Generation of Programmable Money ͜Ε͔ΒͷϓϩάϥϚϒϧɾϚωʔ ʮϋοΩϯάɾ๏຿ɾ༬͚ۚʯθϩ
30. ৽ͨͳখചܾࡁͷελϯμʔυΛ Ethereum͔ͩΒ҆શɻPlasma͔ͩΒߴ଎ɻ Banking&Payment Fused Model ༬ۚޱ࠲ɾܾࡁҰମܕۚ༥Ϟσϧ ΠϯλʔωοτωΠςΟϒͳແବͷͳ͍ܾࡁج൫ΛϒϩοΫνΣʔϯͰ Internet Native Lean Payment Infrastructure with Blockchain Security of Ethereum, Speed of Plasma. New Payment Standard of Internet 500,000 USD New Payment Standard of Merchant ৽ͨͳΠϯλʔωοτܾࡁͷελϯμʔυΛ
31. #DopeFi = Decentralized Open Finance ERC-20ن֨४ڌͰઃܭͨۜ͠ߦγεςϜ͸ Ձ஋ͷΠϯλʔωοτ͔Βͷྲྀೖ͕͋Δ ඇதԝूݖతͰΦʔϓϯͳۚ༥ ERC-20 interface enables to acquire Customer from other ecosystem
32. ϝΨϕϯνϟʔ΋ۜߦʹͳΓ͍ͨ ൴Β͸·ͩ #DopeFi ʹ͸खΛग़͍ͤͯͳ͍ GAFA and other startups wants to be a bank But they haven't make execution of #DepeFi
33. ࣍ͷϨʔε͸ελʔτϥΠϯ͕ͦΖ͍ͭͭ͋Δ Banks and Startups are on the same line
34. Re-definition of portfolio of financial business ۚ༥ࣄۀϙʔτϑΥϦΦͷ࠶ఆٛ Before Crypto After Crypto தԝूݖతۚ༥ ג อݥ ඇதԝूݖ ෦෼తதԝूݖ தԝूݖ
35. Interoperable Ecosystem via ERC-20 standard ERC-20ن֨Ͱ૬ޓӡ༻Մೳͳܦࡁݍ Financial Business Address based account model Assets are custodial ෦෼తதԝूݖ Assets Insurance Available FIAT and Crypto are available for lending
36. Interoperable Ecosystem via ERC-20 standard ERC-20ن֨Ͱ૬ޓӡ༻Մೳͳܦࡁݍ Financial Business ඇதԝूݖ Address based account model Contract based lending No counter party
37. As your portfolio, ready for diversity جװ͔Β࡞Γ௚͢ͷͰ͸ͳ͘ϙʔτϑΥϦΦ