Netdollar, plate-forme est une technologie de grand livre distribuée privée et autorisée qui facilite les paiements à faible coût, en exploitant les devises locales ou les ressources numériques, émises par différentes IMF (institutions de microfinance participantes, émettrices d’emoney).
Bien que ces actifs puissent être quelconques, ils représentent la plupart du temps des dépôts en espèces que l’ancre conserve dans une monnaie fiduciaire donnée. Un tel actif est souvent appelé «stablecoin», car sa valeur est indexée sur une devise fidèle, telle que le dollar américain, l’euro, etc., qui aurait généralement très peu de fluctuation par rapport aux crypto-monnaies.
Un autre attribut important de Netdollar est que, même si toutes les entreprises peuvent rejoindre le réseau, les organisations financières peuvent choisir de traiter avec des organisations spécifiques en lesquelles elles ont confiance et peuvent obtenir la preuve des contrôles AML effectués par l’organisation avant d’intégrer un utilisateur final en tant que client.
C’est donc une technologie de désintermédiation qui permet aux banques et aux institutions financières de respecter les cadres réglementaires tout en rendant le processus de paiement plus efficace pour leurs clients.
Up to 5% of a merchant’s budget is spent on commissions charged by a number of processors, including banks, payment systems, advertising. Have one or more banks as part of the network and let them act as token issuers.While any organization like a MFI or a bank or even an individual can become an anchor partner and issue digital currencies or assets. They can help convert real currency and issue equivalent amount of tokens on the network, to a participant and vice versa.
Our solution provides SDKs as well as REST APIs to interact with the network. All transactions need to be signed by authorised parties and payments made to an Account can be verified by any one who has access to the network and the AccountId
In the smart contract, create an asset definition for money or Token e.g. With this approach is that the token is restricted to this network alone and the bank needs to be involved, every time a participant wants to convert the token into real cash and use it somewhere else.
Smart contracts can be used to record proprietary and private information related to the agreement between parties on the amount to be paid for a particular transaction.
The Netdollars mobile money apps run on a custom built blockchain, that can move value around and represent the ownership of property. This enables IMF to create markets, store registries of debts or promises, move funds in accordance with instructions given long in the past (like a will or a futures contract) and many other things that have not been invented yet, all without a middleman.
In the absence of banking services, or if financial products are rarely used, people inevitably turn to informal providers, such as neighbourhood savings clubs, local money lenders, and unlicensed remittance services. Most people on low incomes tend to be experienced users of these informal financial products, and to have intricate and well-ordered financial lives. However, they do not have legal protection, face significant risks, and may pay more for a vastly inferior product. A lot of unbanked people use and run and transform their informal businesses on electronic money operations. Where 607 million people have a mobile phone, but do not yet have a bank account. Mobile technology could therefore provide them with immediate access to the benefits of financial inclusion.
The Wallet is a gateway to decentralized applications on the Stellar blockchain. It allows you to hold and secure your cash
