空中课堂（41）|B91如何打造全球支付第一公链？

来源：猎云财经

“支付时代5.0 以基于区块链的全球支付系统为标志，其中所有价值存储均以数字资产的形式存在。”

7月30日14点，猎云财经空中课堂第41期邀请到了B91项目的首席执行官恩里克(Enrique)，他为大家带来了精彩、有料的线上分享。本期活动主持人为猎云财经商务总监张修涤。

以下为分享实录（经编辑整理）：

修涤：大家下午好！我是猎云财经空中课堂主持人张修涤商务总监，猎云财经是猎云集团下的垂直区块链媒体，拥有多档人气品牌栏目，深度专访文章也备受业界认可，线上、线下活动也定期举办。目前我们猎云财经2019年的重心放在矿圈、交易所生态和DAPP上。接下来有请我们的主讲嘉宾 Enrique。

请嘉宾向观众朋友们做一个自我介绍。

Please invite the guests to do a self-introduction for the audience。

Enrique：Sure! I’m Enrique, the founder of Zytech Group, an innovative tech startup in California and I am the CEO of the B91 project.

我是恩里克(Enrique)，Zytech集团的创始人，一家在加州的创新型科技初创公司，我是B91项目的首席执行官。

I previously served as the Managing Director for Spitzer Automation, a market leader in Germany and China, and have a wealth of experience in the blockchain and renewable energy industries.

此前，我曾担任斯皮策自动化(Spitzer Automation)的董事总经理，该公司是德国和中国市场的领导者,在区块链和可再生能源行业拥有丰富的经验。

01

构建支付生态系统

修涤：请嘉宾简短地介绍一下B91。

Please invite the guests to briefly introduce B91。

Enrique：B91 aims to be a bridge between the crypto and the real world.

B91旨在成为币圈和现实世界之间的桥梁。

Simply put, we are building a payment ecosystem with a series of DApps, powered by an innovative public chain for truly global, borderless payment.

简而言之，我们正在通过一系列DApps 构建一个支付生态系统。这个生态系统将基于创新的公共链，用于真正的全球、无边界支付。

The B91 wallet app allows users to make payments, earn and invest all in one app conveniently.

B91钱包应用程序允许用户在一个应用程序方便地支付，赚取利率和投资。

B91 public chain system promotes performance-oriented innovation, self-governance, sustainable token economies and low barrier token economy participation.

B91 公链系统促进以绩效为导向的创新、自我治理、低门槛以及可持续的通证经济。

修涤：我们知道B91的业务比较丰富，其中就包括全球支付，那嘉宾是怎么理解支付系统的5.0时代？

We know that B91's business is relatively rich, which includes global payments. How do our guests understand the 5.0 era of payment systems?

Enrique：The 5.0 era of payments is marked by a global blockchain based payment system in which all stores of value exist in the form of digital assets; to provide a secure, transparent and decentralized yet trusted gateway in enabling transactions for every aspect of our daily life.

支付时代5.0 以基于区块链的全球支付系统为标志，其中所有价值存储均以数字资产的形式存在；提供安全、透明、分散且值得信赖的支付网关，为日常生活的各方面提供交易服务。

02

优势在于用户体验

修涤：B91的金融公链与其他金融公链相比，优势在哪里？

What is the advantage of B91's financial public chain compared with other financial public chains?

Enrique：B91’s public chain utilises the Super Node Proof of Stake (SPoS) system which provides incentives and hardware upgrades for Super Nodes, enabling them to continuously improve performance and support larger applications.

B91 的公链采用超级节点权益证明(SPoS) 系统，该系统为超级节点提供激励和硬件升级，使他们能够持续提高性能并支持大型应用。

In this economic model, the minters of the super-node can lease tokens from other token holders (through secondary smart contracts), from which they produce the blocks themselves, get token incentives, and then share them with the token holders.

在此经济模型中，超级节点铸币时可以从其他通证持有者(通过辅助智能合约)租用通证，从中自己生成区块，获得令牌通证，然后与通证持有者共享通证。

While we like to say our advantage is our more advanced SPoS blockchain framework that improves upon the problems that it’s predecessors PoW (Proof of Work) and PoS (Proof of Stake) face, our true advantage is far more simple: Our user experience.

虽然我们常说我们的优势是我们更先进的SPoS区块链框架，因为它改进了它的前身PoW(工作证明)和PoS(权益证明)所面临的问题，但我们的真正优势要简单得多：我们的用户体验。

Our goal is to make our financial public chain accessible to anyone and everyone, with a strong focus on simplification and ease of use combined with our innovative core technology.

我们的目标是让任何人和每个人都能够访问我们的金融公共链，并注重简化和易用性，并结合我们的创新核心技术。

03

鼓励用户试用熟悉简单产品

修涤： 我们也知道B91涉及钱包业务，B91的钱包和其他钱包有什么不同之处？

We also know that B91 involves wallet business. What are the differences between B91 wallet and other wallets?

Enrique：The biggest difference from other digital asset wallets is that ours will be very similar in functionality, UI, and features to AliPay or WeChat Pay to encourage users to try out a product that is familiar and simple enough to use.

与其他数字资产钱包最大的不同是，我们的功能、UI 和功能将与支付宝或微信支付非常相似。这可以鼓励用户试用他们熟悉且使用简单的产品。

We will also be launching a highly innovative multi-signature hardware wallet and Visa card that can be used together with the B91 wallet app to offer users more real-world functionality with our suite of services.

我们还将推出高度创新的多重签名硬件钱包和Visa卡，可与B91钱包应用程序一起使用，通过我们的服务为用户提供更多实际功能。

修涤：大家也知道钱包的安全性非常重要，前段时间，plustoken这款钱包跑路，让用户承受了巨大损失，一度对钱包失去信心，那么B91钱包如何避免这一点呢？

We all know that security of the wallet is very important. Some days ago, we heard that the Plustoken Wallet circled the money and ran away, which caused users to suffer from huge losses and once lose confidence in the wallet. So how will B91 avoid this situation?

Enrique：Well, to be frank, Plus Token was a completely centralized private chain, in which the coin had no true value, was not being publicly traded, and was only usable within their wallet.

嗯，Plus Token是一个完全中心化的私人链，其通证没有真正的价值，没有公开交易，也只能在他们的钱包里使用。

B91 token is far more than just a token to be used exclusively within our wallet.

B91通证远不止是一个专门用于我们的钱包的通证。

It is powered by a fully decentralized public chain that will be fully open source and will enable any developer to implement our innovative payment technology in their products or services.

它基于完全去中心化的公链。这个公链将会是完全开源的，并使任何开发人员能够在其产品或服务中加入我们的创新支付技术。

04

理财产品简单易用

修涤：B91的理财产品都有哪些，收益如何？

What are B91's wealth management products? And what are their returns？

Enrique：B91’s wealth management products are made to be simple to use.

B91的理财产品简单易用。

Investors subscribe in B91 tokens and their funds are managed by a third-party professional team to ensure a stable return for our users.

投资者认购B91代币后，他们的资金由第三方专业团队管理。这样可以确保我们的用户获得稳定的回报。

Currently, we are also partnered with various exchanges to offer the staking of B91 tokens to get returns ranging anywhere from 7%-10% with a 30 day lock in period.

目前，我们还与各种交易所合作，提供B91代币的质押服务，30天锁定期可以获得年率7%-10%的回报。

We have seen tremendous success and met all of our targets, with over 2,000,000 B91 tokens being staked from our millions of token holders worldwide.

我们取得了巨大的成功，并实现了所有目标，全球数百万代币持有者持有超过两千万个B91 通证。

修涤：通过嘉宾的介绍，我们得知B91的几大业务板块，那么这几个业务里面哪个是重中之重，业务之间又是如何协同的呢？

We learned about the B91's several major business segments according to guests’ introduction. Then which of these business segments is the most important? And how will different business segments create synergies?

Enrique：Our basic three functions are divided into 9 key features, including our

- Universal Wallet, Global Payments, C2C (to make payments),

- P2P Digital Lending and OTC (to bring to the real world),

- Aggregate Trading Fund (to help earn with investments) as well as Tech Venture Fund, Financial Products, and Charity.

我们的3个基本功能分为9 个关键功能，包括我们的

- 通用钱包，全球支付，C2C(支付)，

- P2P数字贷款和场外交易(已将数币带到日常生活)，

- 综合营运基金(帮助投资者获利)以及科技风险基金、金融产品及慈善基金。

The 4 more important ones are the wallet, the payment system, the P2P lending and our suite of financial products.

4个较重要的是钱包，支付系统，P2P贷款和我们的金融产品套件。

While we will have full interoperability and synergy within the ecosystem, these 4 business segments will be the most synergistic and essential to the platform, since our primary focus is to pave the future of the 5.0 payment era and be the payment solution of the future.

尽管我们将在生态系统中拥有全面的互操作性和协同效应，但这4 个业务部门将是平台最具协同效应和必不可少的部分，因为我们的主旨是为支付时代5.0 的未来铺路，并成为未来的支付解决方案。

修涤：B91是如何看待监管的？

How does B91 view regulations?

Enrique：We view them as extremely important, but at times also cumbersome with a lot of processes and paperwork to go through.

我们认为监管非常重要，但有时也非常麻烦，因为需要完成大量的流程和文书工作。

Regulations can do a lot of good, helping make the market healthy and clean up all of the shady crypto businesses.

法规其实利多于弊，能保持市场健康成长, 并清理所有非法加密业务。

They tend to do more good than bad and through strategic partnerships and working with only the best compliance lawyers in the industry, we aim to be compliant in all jurisdictions in which we plan to operate.

通过战略合作伙伴，并且只与业内最好的合规律师合作，我们将遵守我们所有运营地点所有的司法规定。

05

2020年底申请上市

修涤：B91有没有上市的计划，有的话，是什么样的？

Does B91 plan to go public? If so, what is the plan?

Enrique：Yes, we do. Our plan is quite simple.

是的，我们将会上市。我们的计划很简单。

Firstly, the credibility and financial support from B91 owners is the backbone that give us the strong foundation and resources our company needs.

首先，B91所有者的信誉和财政支持是为我们公司提供强大基础和资源的支柱。

Secondly, key elements to ensure that our plan succeeds include partnerships with strategically strong companies that open up many markets and users for us as well as our focus on developing the best-in-class blockchain apps with some of the best brains in Silicon Valley who support our project.

其次，确保我们计划成功的关键因素包括与战略实力雄厚的公司合作，为我们开拓许多市场和用户，以及与在于硅谷支持我们项目的一流开发人员为B91开发一流区块链应用程序。

We are also preparing powerful marketing campaigns to build awareness, and on the backend, building strong wealth management products to attract and incentivize token holders.

我们还在准备强大的营销活动，以增强知名度，并在后端建立强大的财富管理产品，以吸引和激励通证持有者。

Our eventual goal is to build an extremely strong user base, with strong market capitalization and valuation, to meet the SPAC listing requirements and apply to be listed by end of 2020.

我们的最终目标是建立一个极其强大的用户基础，具有强大的市值和估值，以满足SPAC上市要求，并在2020年底申请上市。

修涤：好的十分感谢enrique的精彩分享，接下来进入到自由提问环节，请大家一个个按顺序提问，请嘉宾回答完每个问题后打OK示意结束。

06

社群提问

社群问题1：B91是否已可以在线下使用？

Community Question1: Can B91 be used offline?

Enrique: offline use. We will have offline, cold storage wallets, but the vast majority of our ecosystem will be online only, as blockchain technology in its essence requires a collective of computers.

我们将有线下的冷藏钱包，但我们的绝大多数生态系统只能在线上，因为区块链技术本质上需要一组计算机。

社群问题2：会有什么样的适合的营销活动？

Community Question 2：What marketing activities will be suitable？

Enrique: We will have a vast amount of marketing activities, including roadshows, ambassador programs, digital marketing campaigns, airdrops, merchandise giveaways, etc.

我们将进行大量的线上和线下的营销活动，包括路演，数字营销活动，空投和商品赠品。

社区问题3：B91的投资机构有哪些？

Community Question 3：What are the investment institutions of B91?

Enrique: The main investment institutions supporting B91 are A&Z Capital, LMP Finance SA, and BTC123, who are also our primary shareholders. We have successfully raised tens of millions of USD in working capital so far.

支持B91的主要投资机构是A＆Z Capital，LMP Finance SA 和 BTC123，他们也是我们的主要股东。到目前为止，我们已经成功筹集了数千万美元的营运资金。

社群问题4：visa卡同时支持法币和数字货币吗？规划什么时候推出Visa卡？Visa卡有没有地域要求？

Community Question 4：Does visa card support both legal currency and digital currency? When do you plan to launch Visa card? Is there any geographical requirement for Visa card?

Enrique: Regarding the Visa card, it is not yet ready, as we are finalizing everything with regulations and compliance in the countries we plan to operate in. It will be gradually rolled out in different countries in the coming weeks.

关于Visa卡，现在还没有准备好，因为我们正在通过我们计划运营的国家的法规和合规性来最终确定所有内容。但是，我们将在未来几周逐步在不同国家推出。