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详细说明:智能合约12个案例分享。通过对智能合约在12个案例的实践,总结出智能合约的应用之道。Table of contents
Foreword by Nick Szabo
Acknowledgments
347
Overview
Smart Contract Use cases
14
Digital Identity
57
ecords
Securities
9
Trade finance
Derivatives
23
Financial Data recording
25
Mortgages
27
Land Title Recording
Supply chain
Auto insurance
Clinical trials
35
Cancer research
7
Legal and regulatory
Smart Contracts: 12 Use Cases for Business Beyond Chamber of Digital Commerce 2
Foreword
by nick szabo
It is exciting to see my vision for smart contracts, that I conceived over 20 years ago, blossom into so many
different and creative directions. Evolution toward smart contracts would be inevitable even if the concept did not
exist. Financial companies have, since I first explored these ideas in the 1990s, already implemented what are
effectively smart contracts without using that phrase
As much as smart phones are more functional than traditional phones, which in turn are in many ways more
functional than messages written on paper, smart contracts can be more functional than their inanimate paper-based
ancestors. Smart contracts can automate many different kinds of processes and operations, most obviously payment
and actions conditional on payment. For example, making control of collateral dependent on whether a debtor has
chosen to pay a loan on time-the fundamental logic here is automating"if-this-then-that on a self-executing basis
with finality
The humble vending machine is the original form of a smart contract. At its core a vending machine is a security
mechanism: the amount in the till should be less than the cost of breaching the lill. Additionally, the machinery
reflects the nature of the deal: it computes and dispenses change as well as the customers choice of product today
the most secure environments for smart contracts are the most mature public blockchains, which are designed for
trust minimization instead of trusting the often private and insecure system found resident with a central party
Many of the smart contracts proposed or described in this paper, or elsewhere, are meant to operate between large
institutions, or between institutions and their customers The smart contract goes beyond enterprise business
solutions- in fact my personal favorite and most exciting type of smart contract is constructed in peer-Lo-peer
environments, from simple natural language by individuals to operate between individuals. This movie will get
even more exciting when machine-to-machine adoption takes shape at the intersection of blockchain, artificial
intelligence and the internet of Things
Smart contracts involve objectively verifiable performances, or performances that can be automated such as cash
flows. As a result, financial contracts, broadly and creatively defined, present obvious opportunities. Smart
contracts can reduce the costs of people having to calculate complicated outcomes, and thereby make possible new
kinds of contracts that werent possible before. Contracts-for-difference, are an example where software very
rapidly and continually adjusts balances and can dispense cash flows based on frequently updated market prices
Smart contracts-by minimizing the need to trust a counterparty, a third party, or a foreign legal system-can
also reduce counterparty risk and expand credit and other contracting opportunities through such trust-shifting
technology
Blockchain technology appears very much to be the jet fuel necessary for smart contracts to become commonplace
in business transactions and beyond. It is a delight to be part of a community committed to fostering the tenants of
open source cooperation, privacy and sccurity, education in tcchnology and working for a common social good
Acknowledgements
The Chamber of Digital Commerce would like to thank the following individuals and organizations for their
hought leadership, oversight and support to the Smart Contracts Alliance, and the production of this white paper
Smart Contracts Alliance Leadership
lEwis cohen
John jacobs
Matthew roszak
Partner
Executive director
Co-Founder& Chairman, Bloq
logan Lovells LLP
Georgetown University Center for
Chairman, Chamber of digita
Financial markets and Policy
Commerce
Alan cohn
Caitlin long
Mark smith
Df Counser
President and chairman
Co-Founder& ceo
Steptoe &Johnson LLp
Symbiont
Symbiont
Ronald smith
Jerry cuomo
Joseph lubin
partner
IBM Fellow and vP of
Founder
Norton Rose Fulbright
Blockchain Technologies
Consen Svs
IBM
Jeff garzik
Sean Murphy
Margo tank
Co-Founder& ceo
Partner
Buckleysandler LLP
Bloq
Norton rose Fulbright
Marley gray
James newsome ph.D
Lata varghese
Assistant vice president, Blockchain
Principal program Manager,
Founding partner
Azure Blockchain engineering
Delta Strategy group
Consulting Practice leader
Cognizant
Microsoft
Eric piscina
Mark Wetjen
J. Dax hansen
Global fsi Blockchain leader
Global Heud of Public Policy
Partn
Deloitte
Depository Trust clearing
Perkins coie llp
Corporation
Thomas hardiono
Jim regan
Micah Winkelspecht
Chief Technology Officer
President ceo
Founder& ceo
MT Connection science
Digital Federal Credit Union(DCU)
GEM
Smart Contracts: 12 Use Cases for Business Beyond Chamber of Digital Commerce4
Acknowledgements
The Chamber of Digital Commerce would also like to thank the following individuals and organizations for their
valuable contributions to the Smart Contracts Alliance, and the production of this white paper
Subject matter experts
Bertrand alexis
Rouen heck
Michael ross
Product Lead- Digital Identity
President
Harvard Law school
Paragon Public Relations LLC
Edgard Alvarez
Christine Ing
Sue ross
Senior counsel
logan Lovells LLP
Blake, Cassels Graydon LLP
Norton Rose Fulbright
Griffin Anderson
Jordan kruger
Ira j. schaefer
Head of blockchain Accounting
Data scientist
ConsenT
Hogan Lovells LLP
James J. Angel, Ph.D.
Mark ladd
Michael sena
Associate Professor, Georgetown University Center for
VP, /ndustry Regulatory Afair
Financial Markets and policy
Simplifide
Marc aronson
Christian lundqvist
Jacqueline shinfield
President ceo
Decentralization
Pennsylvania Association of notaries
onse
Blake, Cas sels Graydon LLP
Judd bagley
Scott mehlman
Michael sinclair
Director of Communication
Overstock.com&incom
Orbits.io
Norton Rose Fulbright
Brian blaha
Thessy mehran
Dana Syracuse
ix Product strategy
Wipli LLP
Perkins Coie LLP
Preston Byrne
Jerry l. miller
Manish tomer
coo d general counse
Director. Bilockchuin Consultin
Wipfli lLP
Michael chodos
Theodore Mlynar
C. Richard Triola
General Counsel, Senior VP
Hogan Lovells llp
Notary Cam Inc.
Tom Ding
Jennifer peve
R. David whitaker
Co-Founder&e cEO
Co-head Office of Fin Tech Strategy
String lab
Depository Trust& Clearing Corporation
Buckleysandler LLP
Harry Gardner
Carla reves
Emily vaughn
Doculech egies
Bruce R. Jacobs Visiting Assistant Professor of law
Head of Accounts
Stetson University College ofLaw
Gemm
Rashi goyal
Yorke rhodes
Michael limits
Manager. Blockchain Consulting
Global Business strategist/ Blockchain identity
President coo
cognizant
microsoft
eUIs.U
Acknowledgements
The Chamber of Digital Commerce would like to acknowledge the following individuals from deloitte for their
contributions to the production of this white paper
Deloitte Team
Mayank singhal
Prakash santhana
Senior consultant
Director
Deloitte Consulting llp
Deloitte Transactions Business Analytics LLP
abhishek biswas
Soumak Chatterjee
Senior manager
Senior manager
Deloitte touche lLp
Deloitte Canada
Joan Cheney
Sachin Jade
Senior manager
Specialist leader
Deloitte& touche LLp
Deloitte touche LLp
Sean Cremins
Chashak Tulsyan
Business Technology analyst
Business Technology analyst
Deloitte Consulting LLp
Deloitte Consulting LLP
Chamber Leadership
Perianne boring
Jason brett
Dan Spuller
Founder and president
Director of operations
Director of member services
Chamber of digital
Chamber of Digital
Chamberof Digital
Commerce
Commerce
amerce
Kevin Batten
Ralph benko
Chase freeman
Chief policy advisor
Senior Policy advisor
Blockchain associate
Chamber of digital
Chamber of digital
Chamber of Digital
Commerce
Commerce
Commerce
Smart Contracts: 12 Use Cases for Business Beyond Chamber of Digital Commerce 6
Overview
What Are smart Contracts?
In 1996, Nick Szabo describcd a smart contract as a sct of promises, spccificd in digital form, including protocols
within which the parties perform on these promises. While the technology available to support smart contracts has
evolved considerably since then, this definition continues to capture the essence of what a smart contract is and
docs
Taking each element of Szabo's definition in turn
a set of promises
specified in digital form
Depending on the model of smart contract
a smart contract operates electronically
deployed(scc pagc 9: What are the different
It consists of lines of code as well as the software
models for smart contracts?), such promises may
be contractual or non-contractual
that prescribes its conditions and outcomes
They may consist of contractual terms and/or
Contractual clauses and/or functional outcomes
are embedded as code within software
rulcs-bascd opcrations designcd to carry out
business logic
protocols
within which the parties perform
A computer protocol in the form of an algorithm
The idea of automated performance is at the heart
constitutes a set of rules for how each party
of a smart contract
hould process data in relation to a smart contract
Driven in part by the technology that typically
Technology-enabled, rules-based operations
hosts a smart contract(that is, blockchain
enable actions to be performed, such as the
technology), smart contracts are traditionally
release of payment
regarded as irrevocable
Once initiated the outcomes for which a smart
contract is encoded to perform cannot typically
be stopped (unless an outcome depends on an
unmet condition)
Smart Contracts: 12 USe Cases for Business Beyond Chamber of Digital Commerce 8
Smart Contract models
What are the different models for smart contracts?
It is a common misconception that there is only one type of smart contract
there is a spectrum of
possibilities
Smart Contracts Lie on a Spectrum
Contract in code with
Split " natural language Natural language contract
Contract entirely in code separate natural language contract with encoded
with encoded payment
version
performance
mechanism
Encoding Natural language
Automation
Other permutations are, of course, possible and are likely to emerge as smart contract applications develop
The rolc of codc
The legal status of smart contracts is dealt with elsewhere in this white paper For now, it is sufficient to note that
smart contracts that seek to encode the entirety of a natural language contract (a" code is the contract model)are
very challenging from a legal perspective. The model puts into question an issue potentially relevant for all smart
contracts: has a legally binding contract formed?
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