SEEKING SYNERGY 寻求协同效应 20
EMPOWERING THE FUTURE OF FINANCE
FLYING THE FLAG FOR BLOCKCHAIN
E iGAMING VILLAG
MALTA 27-29 NOV 2019 SIGMA.MT MANILA 8-9 JUN 2020 SIGMA.PH
EDITOR 编辑 Katy Micallef
CREATIVE DIRECTOR 创意总监 Jessica Camilleri
PHOTOGRAPHY 摄影 Aleksey Leonov
CONTRIBUTORS 撰稿人 Christopher Attard Jools Moore
SALES 销售 Sophie Crouzet Denis Dzyubenko Tabata Mussone Sofya Puzhaykina Sintija Rimsa
EDITOR’S NOTE 编者注 This issue of Block magazine is particularly special, for it illustrates
the beginning of a new chapter for SiGMA Group. This is the first
edition to carry another language besides English. The Chinese
translations are a timely addition – in 2020 SiGMA Group will launch three new shows in Asia. In Manila we’ve found the perfect home for emerging tech and iGaming, with AIBC Manila and SiGMA Manila opening their doors in early June, whilst our foray into the fresh new
亚洲推出三个新的展览。 在马尼拉，我们找到了新兴科技和 iGaming的完美家园，AIBC马尼拉分部和SiGMA马尼拉分部将于 6月初开门营业，而我们对医用大麻新领域的探索将于6月底在 曼谷启动。
field of medical cannabis launches end June in Bangkok. 我们的封面故事也关注新事业的开启。西尔维奥. 申布里先生 Our cover story also focuses on new beginnings. The Hon. Silvio Schembri gives a full account of Malta’s ambitious adoption of innovation-driven projects destined to lead the island towards a digital future as the Blockchain Island. Speaking of the Blockchain Island, the Malta AIBC Summit is also gearing up for another great conference, with top speakers set to debate some of the most pertinent topics intriguing the industry today. Read more in our What to Expect pages and in an exclusive piece penned by SiGMA Group’s Event Director, Sophie Crouzet. And so on to the thanks. As always, gratitude goes to our fearless leader Eman Pulis, steering the ship from Manila. Thanks also to
（Silvio. Schembri) 详细介绍了马耳他雄心勃勃地推动创新驱动 型项目的情况，这些项目旨在引导马耳他走向数字化的未来， 最终成为区块链岛。 关于区块链岛，马耳他AIBC峰会也在为另一研讨会积极准备， 顶级演讲人将就当今业界感兴趣的一些最相关的话题展开讨论。 请阅读我们的内容提要板块以及SiGMA集团活动总监索菲·克劳 泽（Sophie Crouzet）撰写的独家文章，以了解更多内容。 另外我希望在此表达感谢。 像往常一样，首先我要感谢我们 无畏的领导人埃曼·普利斯（Eman Pulis），从在马尼拉开始他 就是我们的领航员。 其次我要感谢阿莱克西 （Aleksey）为这
Aleksey for the beautiful photography gracing these pages and to
Jessica whose standout design has helped make this magazine a
leader in its field. Last but not least, to the content team members,
Julian and Christopher for their invaluable contributions.
CONTENTS 内容 WHAT TO EXPECT 内容提要
COVER STORY 封面故事
AI PITCH 人工智能初创企业推介
INNOVATION ISLAND 创新之岛
The most promising projects battle it out on stage.
The Hon. Schembri shares strategy plans and success stories.
PITCH PERFECT 完美夺冠
EMPOWERING THE FUTURE OF FINANCE 助力金融的未来
An interview with last year’s winners Pynk – where are they now?
Federica Taccogna writes about financial crime and how to beat it.
MINISTRY UPDATES 政府部门最新消息
SEEKING SYNERGY 寻求协同效应
BREAKING WITH TRADITION 打破传统
Malta’s Economy Minister Cardona writes about the convergence between medical cannabis and blockchain. 马耳他经济部长卡尔多纳（Cardona）撰
Ivan Gowan gives an overview of how currency.com is establishing and helping to drive innovation. Ivan Gowan概述了currency.com如何建立并帮助推动创新。
GALLERY 图库 RELIVE THE MOMENTS 精彩回顾
THE EDGE OF A KNIFE 刀锋危机 Head of Media Operations Christopher Attard, wades into the currency wars.
Relive the best moments from the May 2019 edition of AIBC Summit. 重温2019年5月AIBC峰会的精彩时刻。
Q&A 问答 BANKING ON ZBX ZBX银行业务
FEATURE 专题报道 FLYING THE FLAG FOR BLOCKCHAIN 扬起区块链的大旗
One year on we catch up with ZBX CEO Dave Pulis.
Newly-formed blockchain aviation company AEROBAND, share their journey
so far. 新成立的区块链航空公司AEROBAND分享他们迄今为止的商业历程。
Q&A 问答 BREAKING THE BANK 冲破银行束缚
FEATURE 专题报道 LEADING THE PACK 把握先机
Reuven Schockner explains how crypto has influenced his art.
SiGMA Group’s Event Director, Sophie Crouzet writes about the AIBC Summit.
The BLOCK is published by Viking PC Health Ltd., Gaming Hub, Judge Paolo Debono Str., Msida Skate Park, Msida. MSD2032, Malta. All rights reserved. Reproduction in whole or in part is strictly prohibited without prior consent
Would you like to be in the next issue of the BLOCK?
in writing. Opinions expressed in the BLOCK are not necessarily those of the editor or publisher.
For more information regarding advertising opportunities kindly call
All reasonable care is taken to ensure truth and accuracy, but the editor and publishers cannot
Sandeep Haer on (+356) 79773094 or email put email@example.com.
be held responsible for errors or omissions in articles, advertising, photographs or illustrations.
#AIBCsummit | 7
Are you a disruptor, or one of the disrupted? Let us help you! KPMG is a multidisciplinary firm with expert knowledge in DLT, IOT, Intelligent Automation and other Emerging Technologies. A recognised systems auditor, KPMG is a leading provider of advisory, tax, audit and software development services furnished by a dedicated on-the-ground cross-functional team, supported by its global network.
Contact Us Juanita Brockdorff Partner and DLT Leader +356 25631029 firstname.lastname@example.org
Mark Curmi VFA and Regulatory Specialist +356 25631048 email@example.com
Christopher Azzopardi IT Assurance Director +356 25631077 firstname.lastname@example.org
Matthew Scerri Technology Specialist +356 25631270 email@example.com
www.kpmg.com.mt Follow KPMG Malta:
| #AIBCsummit IssuePartnership 3 ©8 2019 KPMG, a Maltese Civil and a member firm of the KPMG network of independent member firms affiliated with KPMG International Cooperative (“KPMG International”), a Swiss entity. All rights reserved.
A NATIONAL STRATEGY 国家战略
The Hon. Joseph Muscat, Prime Minister of Malta, speaking at the Malta AI & Blockchain Summit May 2019 尊敬的 Joseph Muscat 马耳他总理 2019年5月在马耳他人工智能和 区块链峰会上发言
e’re here just a year later and we’re proud that as a
jurisdiction Malta is the first country worldwide to have
an operative regulatory framework which provides
such certainty and diligence across the board. Two weeks ago
the MFSA approved and listed the first virtual financial assets
agents, ensuring due diligence and assurances on virtual financial asset based operations. The MDIA approved and listed the first system auditors, enabling Malta to be the first jurisdiction to introduce technology assurances worldwide. This shows Malta really is becoming the Blockchain Island. Last November we also set up an AI task force. AI enables a more efficient and accurate service of everything around us and in the future will even allow
拟金融资产进行尽职调查和担保。MDIA批准并列入了 第一批系统审计员，使马耳他成为第一个在全球范围内 引进技术保证的司法管辖区。这意味着马耳他成为了真 正的区块链之岛。去年11月，我们还成立了一个人工 智能（AI）工作组。AI可以为我们周围的一切提供更高 效、更精准的服务，将来甚至可以提供一些我们尚未
for new types of services that we can’t yet envisage. Automation
is unfortunately many times perceived with scepticism and fear
– it is for this reason that within our national strategy, education
of the existing workforce features as one of the 3 main pillars. We
should not fear technology but embrace it and use it to provide
a better quality of life. There is no doubt that such technologies
bring about new opportunities and very big challenges. As we
get closer to such a future, we must make sure that our country embraces technology.”
#AIBCsummit | 9
WHEN EAST MEETS WEST
s we ease into the fourth industrial revolution it has become clear that businesses looking to secure a
leading role in an increasingly digital world need to seek
synergy with emerging technologies. The benefits of integrating
our physical and digital worlds remain tremendous - we hope
to leverage these advantages as we foray into Asia’s up-and-
coming markets. 有许多国家，如菲律宾等，它们正在积极吸引全球科 As countries such as the Philippines tempt leading brands from the global tech sector to expand business opportunities in the region, it’s fast becoming clear that Asia is the new frontier for emerging technologies, such as AI and blockchain. It is with this in mind that we have expanded our focus to include new Asian markets. In June 2020 SiGMA Group will launch a super expo, combining our iGaming vertical with our AI and
然，亚洲将很快成为新兴技术（如人工智能、区块链 等）的前沿阵地。 正是基于此，我们扩大了关注范围，将新兴的亚洲市 场包括在内。2020年6月，新格集团将推出一个超级 博览会，届时会把我们的iGaming Vertical和“AI与区
blockchain show. AIBC Manila kicks off on the 8th to the 9th
of June at the Conrad Hotel, offering start-ups, established
康拉德酒店 Conrad Hotel 开幕，该峰会旨在弥合各大
companies, and investors a solid connection between Europe
and Asia by bridging the business divide between continents.
On the home front we continue to ride the innovation wave and
follow the government’s lead as it establishes solid foundations
for the Blockchain Island as Europe’s leading hub for technology.
The November AIBC Summit, the third edition for Malta, offers
a platform for some of the most creative minds in this sphere to converge under one roof and spark debate on the most important topics engaging our nation, from regulation to ethical considerations – we’ve got it covered. Last but not least, thanks. SiGMA Group’s journey from East to West hasn’t been without its bumps in the road. Potholes aside, we are
台，让他们汇聚在一起，就我国一些最重要议题（从 监管到道德考虑）展开辩论——我们均已安排经妥 当了。 最后但同样重要的是，我要说声谢谢！新格集团从东 方到西方的旅程并非一帆风顺。除了坎坷，我们也历
grateful that our companions along the way have helped make the
trip a pleasant one and we now look forward to completing the final
leg as our 2020 launch date nears.
Enjoy the issue!
Eman Pulis, Founder & CEO Malta AI & Blockchain Summit, SiGMA & Medical Cannabiz Summit.World Eman Pulis，创始人&CEO 马耳他人工智能和区块链峰会，SiGMA和Cannabiz世界峰会
#AIBCsummit | 11
AI START-UP PITCH 3 min LIVE PITCH for 10 finalists followed by live Q&A from investors, jury and audience.
WHAT YOU GET
WHAT YOU GET
Meet the investors
1m booth at Malta AI & Blockchain Summit 19, including cost of printing and furniture
website, email newsletters, interviews •
Invitation to premium networking events during the summit and throughout the year
Malta AI & Blockchain Summit PR – magazines, Free consultancy and potential leads from leading industry veterans
Office space at Microsoft Innovation Centre Malta
WHERE AI START-UPS AND INVESTORS MEET Following a very successful run at the spring edition of Malta AI & Blockchain Summit, we’re going all out for November 2019. Over 100 start-ups will be selected to showcase their products and initiatives throughout the event. Start-ups based in AI, Blockchain, Quantum Tech, Big Data, and IoT will have a small booth and an allimportant opportunity to mingle with some of the leading investors and mentors in the industry. However, the AI Start-Up Pitch is only open to AI start-ups - the judges’ top ten will make it to the pitch stage during the final leg of the Summit. Expect the competition to be fierce with so many investors to impress!
WHAT TO EXPECT 内容提要
人工智能初创企业和投资者会面 继马耳他人工智能与区块链春季峰会的成功举办之后，我们又将全力迎接2019年11月的盛会。超过100家初创 企业将被选中在活动中全程展示其产品和创意。基于人工智能、区块链、量子技术、大数据、物联网的初创企 业将获得一个小展位，并有机会与业内一些领先的投资者和导师进行交流，这将是十分难得的机会。 不过，人工智能初创企业推介会只面向人工智能初创企业，评选的前十名将在峰会最后阶段进入推介环节。预 计竞争会很激烈，将给众多投资者留下深刻印象！
#AIBCsummit | 13
COIN BATTLE AWARDS Investors Award – the investment prize for the 1st place is €15,000 worth of tokens based on the highest marks earned by the judges. WHAT YOU GET •
A few minutes to pitch on stage in front of the investor panel
A VIP invitation to premium networking events in Malta
2 complimentary VIP tickets to the conference
AIBC PR – magazines, website, email newsletters, interviews JUDGING CRITERIA Judging criteria will be based on business model, scalability, team criteria, and liquidity criteria, as well as solution of the problem, Token Model and proceeds distribution.
WHERE STOS AND INVESTORS MEET Every selected coin will get to pitch live on our grand stage and face a Q&A session from the official jury members, savvy investors, and the audience. It is the participant’s choice whether to use all the allocated time for the pitch or to do a shorter version and leave a few minutes for the Q&A. Judging results will be a blend based on White Paper, Pitch Deck, Team & Advisers and investability.
WHAT TO EXPECT 内容提要
硬币战斗 奖项 投资者大奖——获得评委最高分的第一名参赛者将赢得价值 15,000欧元的代币投资大奖。 您的收获 •
AIBC公关——杂志、网站、电子邮件快讯、访谈 评判标准 评判标准将基于业务模型、可扩展性、团队标准和流动性 标准，以及问题的解决方案、代币模型和收益分配。
硬币与投资者的交汇 每一种被选中的硬币都将在我们的舞台上现场演示简报，并接受官方评委会成 员、精明的投资者和观众的提问。参与者可自行决定是否将分配到的所有时间 用于简报，或是缩短简报时间，为问答环节留出几分钟。评判结果将基于白皮 书、简报、团队与顾问，以及最主要投资能力。
#AIBCsummit | 15
PITCH PERFECT JOOLS MOORE SITS DOWN WITH THE MAY 2019 WINNERS OF THE AI START-UP PITCH. FROM TAKING THE CROWN TO LONG-TERM PLANS, THE FUTURE LOOKS ROSY FOR PYNK.
朱尔斯·摩尔Jools Moore 采访2019年5 月的AI创业大赛AI Start-up Pitch冠军 得主。从夺冠到长远计划，Pynk的未 来看起来很乐观。
CONGRATULATIONS ON WINNING THE AI PITCH BATTLE AT THE
MALTA AIBC IN MAY. YOU HAD SOME TOUGH COMPETITION, SO
WHAT DO YOU THINK CLINCHED IT FOR YOU WITH THE JUDGES?
Thank you very much! Yes the competition was quite tough – we are
lucky to be in an ecosystem where there is such strong competition,
but I think overall we’ll all benefit in the end! We think it was the
innovative Pynk model that won it for us. We are the world’s first People Powered Investment platform using Wisdom of Crowd data and AI to build a more equitable model for everyday investors. Combined with the fact we are using blockchain technology to democratise access via Security Tokens - we’re using tech for good. I think the judges bought into and saw the value in our mission. HOW IMPORTANT IS IT FOR STARTUPS LIKE PYNK TO GET PEER REVIEW FROM JUDGES AS WELL AS SOME PRIZE MONEY FROM EVENTS LIKE THE AI START-UP PITCH? For us it’s super important. We’re still an ‘early stage’ start-up, so building awareness for our company is key and competitions
式。我们是全球第一个以人力为驱动的投资平台，利用大众智慧 （Wisdom of Crowd）数据和AI为日常投资者建立一个更加公平 的模式。再加上我们使用区块链技术通过证券型代币实现访问民 主化，我们在利用技术做好事。我认为评委们是看到了我们使命 中的价值观。
“在此类比赛中获得评 审小组的认可是建立 我们资质的关键”
such as this are a great way for us to get publicity. It does require quite a bit of work in terms of preparation – but it’s totally worth it, especially if you win – which feels great
“ Having validation from a panel of judges at such an event is key in building our credentials ”
for the whole team, advisors, investors and of course our Pynkster community around the world. But the other thing that is important for us is it drives our credibility, having validation from a panel of judges at such an event is key in building our credentials.
像Pynk这样的创业公司从评委那里获得同行评审以及从像AI创业 大赛这样的活动中赢得奖金有多重要？ 对我们来说，这非常重要。我们仍然是一个处于“早期阶段”的 创业公司，因此，建立公司的意识很关键，参加诸如此类的竞赛 对我们来说是一种很好的宣传方式。参加这些比赛确实要花很多 时间准备，但这些都完全值得，尤其是你赢得比赛的时候。这对 整个团队、顾问、投资者以及我们世界各地的Pynkster社区参与 者来说都是非常好的。但还有另一件对我们来说很重要的事情，
HOW ARE THINGS PROGRESSING
WITH PYNK? YOU HAD 1400 USERS
BACK IN MAY - WHAT’S YOUR USER BASE CURRENTLY? I’ve never been involved in a company
that is progressing as quickly as Pynk,
and that’s down to the team. Everyone is pushing hard every day –
so it’s an exciting environment. We reached 1,400 Crowd Predictors
in May and today we are already at more than 6,000 across 55 countries. We’re actually growing a little too fast if anything, so we’re taking our foot off the pedal a little when it comes to crowd recruitment. The crowd who earn Pynk Security Tokens in return for sharing their Wisdom are limited to 10k - and we are confident we will get there in the coming months.
了1400，今天我们已经拥有了来自55个国家的6000名用户。实 际上，我们的发展可能有点过快了，所以在招募用户时，我们稍 微放慢了脚步。分享了智慧的用户可以获得Pynk的证券型代币作 为回报，最高可获得1万个，我们有信心，再接下来几个月实现 这个目标。
Diversity in the Crowd is key for Wisdom of Crowd methodology,
so we love that we have people across the globe, from Indonesia,
Europe, Cuba, USA, and Brazil. Our target is to have Pynksters from
every country in the world!
国家的智慧拼客（Pynkster）！ Issue 3
#AIBCsummit | 17
WITH CROWD WISDOM AND AI, WILL THE
types of questions we call long term ‘forecasts’
INCREASING SIZE OF THE USER BASE
across new asset classes (not just BTC,) and
IMPROVE THE PREDICTION MODEL, OR IS IT
some of our Crowd are better at those than
CONSISTENT AS IT GROWS IN SIZE?
short-term predictions. So the reality is we value
Our early testing with machine learning shows we were accurate in predicting the direction
YOU’RE LOOKING AT A FURTHER ROUND
of BTC, from what we see, the more data we
OF SEED FUNDING IN SEPTEMBER - HOW
get in, the better our AI, Rose performs, since
WILL THIS HELP DEVELOP THE BRAND AND
the more data she has the quicker she learns.
It’s not just about volume of data though, but quality also. Rose watches and learns from individuals we call ‘super
“ We’re actually growing a little too fast if anything, so we’re taking our foot off the pedal a little when it comes to crowd recruitment ”
the contribution of everyone.
predictors’, observing how they perform across time periods and in different
Hugely! This award puts us in a great place and as mentioned before, it drives our credibility – everyone at Pynk is so grateful and proud that we won. If you follow Pynk you’ll also know we place great value on this and other programs
market conditions – and
that we go through. We’re part of the Royal
she rewards accuracy with
Bank of Scotland and NatWest accelerators in
additional ‘Wisdom Points’.
the UK, Creative Destruction Labs in Canada
We’re also building other
and also 360 Labs – a venture fund that is
factors for Rose to draw
helping us get ready to scale. All of this is with
correlations from to make
a view to helping our next funding round which
opens September 2019.
IF YOU HAVE USERS WHO
WHERE DOES PYNK HOPE TO BE IN FIVE
AREN’T GREAT WITH
PREDICTIONS (LIKE THE 95% WHO AREN’T VERY GOOD AT TURNING A PROFIT), HOW DOES THIS AFFECT THE OVERALL PREDICTION MODEL?
We’re an ambitious lot here at Pynk and we have our sights set on building a Unicorn with several $billion in assets under management from investors around the world. Most importantly - I believe we have the talent in the team to get there. And what’s great is that as Pynk grows
Well actually the bad predictors are incredibly
we have even more talented people asking to
useful to the model since there is a strong
join us and wanting to get involved. It all goes
inverse correlation with future asset prices.
back to our vision of building a more equitable
So Rose looks at these people as well as Super
investment model for everyday investors –
Predictors to make her forecasts. But it isn’t
younger investors buy into that. And it’s more
usually the case that a person is always bad at
than just investment, we want to give power
predicting, it depends on the market conditions,
back to our community, so that through the
whether they are naturally bullish or bearish and
Wisdom of Crowds methodology we can give
other such factors. That’s why AI is so powerful
them a say in where and how their capital is
for Crowd Wisdom – traditional methods could
deployed. We can’t solve the world’s problems
never replicate the speed of learning looking at
- but together we can build a better model that
all of this data. We have also recently added new
can at least do things the right way.
有了大众智慧和人工智能，越来越多的用户会不会使得预测模式有所 改进？或者随着用户规模的增长，预测模式还是会保持不变吗？ 我们早期通过机器学习进行的测试表明，我们对比特币方向的预测是 准确的。从我们观察到的数据来看，接收的数据越多，我们的机器人 罗丝（Rose）就会表现得越好，因为她掌握的数据越多，她就学得 越快。但对于数据，不仅仅只有数量的要求，还有质量的要求。罗丝 （Rose）通过观察和学习我们称之为“超级预测者”的个体在不同 时期和不同市场条件下的表现，从而提供额外的“智慧见解”，使得 我们的预测更加准确。我们也在为罗丝（Rose）建立其他因素，方 便她从中提取相关性，从而做出更好的预测。 如果有些用户不擅长预测（就像那95％的不擅长盈利的人），会对整
“实际上，我们的发展 可能有点过快了，所以 在招募用户时，我们稍 微放慢了脚步”
体预测模式产生什么影响？ 实际上，那些不擅长预测的用户对我们的模式来说，反而很有帮 助，因为他们与未来的资产价格存在强烈的负相关关系。所以罗丝 （Rose）既会从这些人身上学习，也会从超级预测者那里学习，以 便做出她的预测。但通常情况下，一个人不会一直都不善于预测，这 取决于市场条件，取决于他们自身是倾向于看涨还是看跌以及其他诸 如此类的因素。这就是为什么AI对于大众智慧来说如此有力，使用传 统方法永远无法达到AI学习所有这些数据的速度。最近我们还添加了 一些新类型的问题，我们将这些问题称为新型资产（不仅仅是比特 币）的长远“预测”，而且与短期预测相比，我们的一些用户更擅长 于长远预测。所以真实情况是，我们重视所有人的贡献。 你们正在计划在9月进行新一轮的种子融资，这将如何帮助你们发展 品牌和产品？ 这会有很大的帮助！就像前面说的那样，这次得奖让我们处于一个有 利位置，提高了我们的可信度，因为赢得比赛，Pynk的所有人都非 常感激和自豪。如果您关注了Pynk，您就会知道我们对此次竞赛以 及其他进行的计划也很重视。我们得到了英国苏格兰皇家银行、英国 NatWest加速器、加拿大Creative Destruction Labs以及360 Labs的 支持，他们给了我们一笔风险投资，帮助我们做好扩大规模的准备。 所有这些都是为了帮助我们在2019年9月进行下一轮融资。 Pynk希望在5年后发展成为什么样的公司？ Pynk是一个雄心勃勃的团队，我们的目标是成为一个管理全球投资 者的数十亿美元资产的独角兽公司。最重要的是，我相信我们的团队 能实现这一目标。而且很棒的是，随着Pynk的发展，也有更多的优 秀人才请求加入我们，并希望参与其中。这一切都要追溯到我们为日 常投资者建立更公平的投资模式的愿景，年轻投资者们都相信这一概 念。这不仅仅是投资，我们还希望将权力交还给社区成员，这样就可 以通过群策群力的方法，让他们就他们的资金部署地点和方式发表意 见。虽然我们不能解决世界上所有的问题，但我们可以共同建立一个 更好的模式，这样至少可以用正确的方式做事。
#AIBCsummit | 19
SEEKING SYNERGY 寻求协同效应
CHRIS CARDONA, MINISTER FOR THE ECONOMY, INVESTMENT AND SMALL BUSINESS OF MALTA WRITES ABOUT HOW TWO OF MALTA’S FASTESTGROWING ECONOMIES – MEDICAL CANNABIS AND EMERGING TECH, ARE FINDING COMMON GROUND AS THEY MERGE TO REACH NEW LEVELS OF INNOVATION. 马耳他经济、投资和小型企 业部长Chris Cardona介绍马 耳他经济增长最快的两大行 业（医用大麻和新兴技术） 如何找到共同点，融合并达 到新的创新水平。
MINISTRY UPDATES 政府部门最新消息
imes are changing and nothing is evidence of that truism more
than the fact that medical cannabis and blockchain have become
ground-breaking sectors of the Maltese economy. When you
strike down medical cannabis and blockchain in two different boxes, you
may realise that the two subjects sit in two different worlds. However,
if you put them in the same box, you will realise that together they may
form an important relationship that creates a secure flow of data to help in the legality and research of the use of medical cannabis. Just over a year ago, the Maltese government introduced legislation on the ‘Production of Cannabis for Medical and Research Purposes’ which made us the first EU Member State to provide a regulatory framework for medical cannabis. However, unlike most industries, medical cannabis faces greater legislative and regulatory scrutiny than average. This is where blockchain technology comes in. In examining the current state of the medical cannabis market, it’s clear that implementing this new technology would solve some pressing problems in the industry.
就在一年多前，马耳他政府出台了关于“医学和研究目的下的 大麻生产”法律，并成为第一个为医用大麻提供监管框架的欧 盟成员国。 然而，与大多数行业不同，医用大麻面临着远超平 均要求的立法和监管审查。这正是区块链技术的用武之地。在 检视医用大麻市场的现状时，我们清楚地认识到这项新技术有 助于解决行业中的一些紧迫问题。 长期以来，大麻种植一直是零散的家庭作坊式产业，质量标准 极低。即使如此，我们仍旧提供了一个吸引大量全球参与者的 稳定监管框架，成功改变了这一状况。 无论如何，在这个行业
For a long time, cannabis cultivation has traditionally been a fragmented
cottage industry with minimal quality standards. Yet we have managed
to change this by providing a stable regulatory framework which
attracts massive global players. Nevertheless, in this industry it is
paramount that the entire supply chain is up to code. In fact, some
companies are already using blockchain technology to create secure records that track cannabis from seed to sale. For example, if pharmacy A has sold medical cannabis to person A, the blockchain will create a
record online. Since the link will be transparent, it gives an opportunity to the regulator to study and investigate that medical cannabis is being bought for the right use and stocktaking purposes. This creates an element of trust that the origin, quality and safety of the product are in compliance with regulations. It also gives an opportunity for audit companies to create the right strategy to audit medical cannabis suppliers so the right tax is being
“我们迫切需要所有利益相 关者共同努力，不仅要在当 前的经济产业中，还要在各 产业之间寻求协同效应”
held by the government and paid by the suppliers. The transparency created in this process will ensure top-quality products by decreasing black-market involvement. By having medical cannabis tracking
systems go all the way from seed-to-sale we are transforming medical
cannabis from a cottage style industry to a lucrative and thriving
industrial sector. This will contribute to the reputation of the product and industry itself. Furthermore, the links established by blockchain technology will also help grow the medical research and clinical trials as blockchain uses a hash to determine and keep track of links to give a platform to medical research to monitor and create true statistics about the effect
品。得益于医用大麻跟踪系统全程监控从种子到销售的整个过 程，我们将医用大麻从小作坊式行业转变为利润丰厚且蓬勃发 展的工业部门。这也有助于提升产品和行业的声誉。 此外，区块链技术建立的链接也可以促进医学研究和临床试验 的发展，因为区块链使用混编来确定和跟踪链接，这就为医学
that medical cannabis is having upon the country’s healthcare. From
tracking consumption to creating cheaper, more effective regulatory
oversight of businesses, blockchain tech has the potential to better
serve everyone from investors, to entrepreneurs and government alike.
#AIBCsummit | 21
MINISTRY UPDATES 政府部门最新消息
“ What is truly needed is a concerted effort by all stakeholders to seek synergies not only within current economic industries but also between them ”
And that’s not all. Blockchain can be used to create standardised and easily accessible medical records. By implementing a blockchain system to store patient records, the medical cannabis industry would be increasing its regulatory compliance. As a result, this will improve patient outcomes as physicians may use systems with automated compliance reporting and ledgers that securely store patient information. Blockchain can therefore offer medical cannabis companies a value-added service which enhances business efficiency and immutability, meaning that the data and metadata stored are unchangeable. Malta has the possibility of attracting new start-ups in a number of industries. What is truly needed is a concerted effort by all stakeholders to seek synergies not only within current economic industries but also between them. I am excited to see the possibilities and to see how this new technology can help the medical marijuana industry reach new levels of innovation in business, security and other areas. As medical cannabis and blockchain are currently reigning among the most popular topics in the global economy, I am truly satisfied that Malta, a tiny island in the Mediterranean, has embraced these industries and is actively looking at how these two forces can work together. As a government, we have always been focused on investing in the future and we are always on the search for new business growth opportunities for the benefit of our citizens, particularly for our younger generation.
它能做的不只是这些。区块链可用于创建标准化且易于访问的医疗记 录。通过实施区块链系统来存储患者记录，医用大麻行业将提高其监管 合规性。有了可自动生成合规报告的系统和安全存储患者信息的分类 账，医生可以大大改善患者的治疗效果。因此，区块链可以为医用大麻 公司提供增值服务，提高业务效率和不可变性（即存储的数据和元数据 是不可更改的）。 马耳他有吸引到众多行业的初创公司的可能性。我们迫切需要所有利益 相关者共同努力，不仅要在当前的经济产业中，还要在各产业之间寻求 协同效应。我很高兴能看到这种可能性以及新技术是如何帮助医用大麻 行业在商业、安全和其他领域达到更高的创新水平。 由于医用大麻和区块链目前是全球经济中最热门的话题，我非常高兴马 耳他这个地中海的小岛国主动拥抱这些行业，并且在积极研究让这两项 产业协同工作。 作为马耳他政府，我们一直专注于投资未来，寻求新的 业务增长机会，造福我们的公民，特别是年轻一代。
#AIBCsummit | 23
Conference 1 Compliance and Regulation 第一次大会—— 规章及监管
7th Nov - Intercontinental, Malta
In a world first, at last year’s Malta
thoughts, saying, “Having a framework
Blockchain Summit, the Maltese
on ethical and trustworthy AI is crucial as
government brought in three key pieces of
this will serve as guidance in the creation
DLT legislation, securing a legal framework
of trustworthy AI projects but most
to afford blockchain businesses an
importantly it will play a crucial part in
infrastructure that offers support and
instilling trust amongst the public.”
stability, as well as setting a standard for other countries to follow Malta’s lead. Indeed, the Hon. Silvio Schembri, our Joseph Muscat, Prime Minister of Malta
cover VIP for this issue of Block, has had a busy couple of years travelling the world to speak at blockchain conferences about regulation in the sector. Now in 2019, we have the Malta Ethical AI framework, which was published by the Malta AI Taskforce in August. Building
Michelle Chivunga N, Chair - British Blockchain Association
on the three DLT bills from 2018, the framework further increases regulatory guidelines in an effort not to control the way businesses work in the space, but to open the doors to a sandbox where
The most prominent examples of combining AI with blockchain, exemplifying the need for oversight and regulation, as well as a futureproof code of practice, are the many DAOs that have emerged in the last couple of years. DAOs (Decentralised Autonomous Organisations) are a bright new avenue for blockchain powered by AI, where a new approach to regulation and legislation must be carved out to define accountability for the actions and decisions made by AI programming that exists as a self-standing business, without direct human control.
ideas can be seeded and find support
All of these issues and much, much more
and growth. At the time, Silvio Schembri
will be discussed in the conference on
encouraged the public to offer their
Compliance and Regulation.
Raul L. Lambino, Managing Partner - R. Lambino & Partners
马耳他设定一个标准。 事实上，我们这一期 David Orban, Founder - Network Society Ventures
Block杂志的封面嘉宾Silvio Schembri几年来 一直忙于周游世界，并在区块链大会上就该 行业的监管问题发表演讲。 现在，在2019年，我们有了马耳他人工智 能道德框架，该框架于8月由马耳他人工智 能特别工作组发布。 在2018年开始的三项 DLT法案的基础上，该框架进一步增加了监
Steve Tendon, Director - Chainstrategies
将人工智能与区块链相结合的最突出的例子 是前几年出现的许多DAOs，证明了监督和监 管的必要性，以及一个未来可验证的业务准 则的必要性。 DAOs（去中心化自治组织） 是人工智能所驱动的区块链的一条光明的新 途径，在这里必须制定新的监管和立法，以 界定人工智能程序所采取的行动和决策的责 任。这些行为和决策作为独立的业务存在， 没有直接的人为控制。
WHAT TO EXPECT 内容提要
7th Nov - Intercontinental, Malta
Following the thawing of the crypto
fungibility, and transparency in this new
winter earlier this year, our Malta AI &
and evolving market.
Blockchain Summit speakers deliver some diverse insights into the world of crypto and fintech, highlighting some of the successes, some of the problems, and what the future might hold for the sector.
The same afternoon will see Tony Evans return to the Malta AI & Blockchain Industrial Revolution, as Enterprise Ethereum comes into its own. Enterprise Ethereum is set to streamline financial
everyone to see Bitcoin as a store of
markets, manage supply chains and
value, rather than a short term trading
create new business models for secure,
opportunity, saying, “Even though
scalable and flexible business models.
Bitcoin is a cryptocurrency and people
This is blockchain at its most industrious!
10 years its primary use should be as an investment. Despite the fact that Bitcoin has grown so much in value, reaching US$100 billion, I think there’s much more room to grow. I think it could reach and exceed gold which is US$8 trillion.”
topics relating to fintech, with a number of VIP experts providing enlightenment for the audience on subjects including blockchain malware, scalability, arbitrage, and the changing Consulting, with more than 30 top speakers, make sure you block out your
Summit, looking at crypto economics -
afternoon for a full-scale assault on what
getting into the specifics about liquidity,
you think you know about fintech!
资。 尽管比特币的价值增长如此之快，达 到了1000亿美元，但我认为还有更大的增 长空间。 我认为它可以达到并超过价值8万 亿美元的黄金。”
Virgil Griffith, Special Projects - Ethereum Foundation
在当天下午，托尼·埃文斯 （Tony Evans）
Mati Greenspan, Financial Markets Analyst & Strategic Adviser
face of financial crime. Hosted by FTI
viewpoint at this November’s AIBC
Alexander Borodich, Founder & CEO - Universa
There’s also plenty of other essential
Brock Pierce looks to continue this
Summit stage to discuss the Fourth
Last time round, Bobby Lee encouraged
can use it in their daily lives, for the next
Conference 2 The Future of Fintech
Bobby Lee, Crypto Entrepreneur
还有很多其他与金融科技相关的重要话 题，一些嘉宾专家向观众讲述了关于区块 链恶意软件、可伸缩性、套利和金融犯罪 的变化等主题。 本次大会由FTI 咨询公司 主办，有30多位顶级演讲者主讲，确保您
Adam Todd, Founder - Digitex Future Exchanges
#AIBCsummit | 25
Conference 3 Business & Emerging Tech 第三次大会—— 商业和新兴技术
8th Nov - Intercontinental, Malta From enterprise machine learning
ahead and seeps into everyday life. Given
algorithms to a blockchain-based Web 3.0
the exponential increase in computing power
transition, the AIBC Summit covers all the
and robust artificial intelligence systems, an
juicy topics in the world of business and
ethical AI strategy is eminently desirable.
emerging technology. Intelligent automation is also on the agenda There’s simply so much to talk about when it comes to the future of business and emerging tech that one morning surely can’t cover it all, but we’ve assembled some of the best speakers from across the sectors of AI, crypto-economics, and blockchain business
Adam Back, CEO - Blockstream
to tell you as much as they can. A firm favourite at our May event, Professor Noel Sharkey reprises his role as AI supremo to explore the current and future states of relationships between droids and humans. We’re being seduced into new kinds of
Miko Matsumura, General Partner - Gumi Ventures
relationships with tech gadgets, but what kind of relationship can you have with a machine? Sharkey says ‘it’s complicated’ but in his morning keynote, he’ll explain why.
David Sachs, CEO - Tomobox
applications. What are the next steps for autonomous processes in the workplace? Find out in this mid-morning keynote. There’s a plethora of other unmissable conversations to be heard, covering everything from cybersecurity and passive data aggression, to fundraising for start-ups and deep learning to optimise human error. The final panel of this conference brings together five top experts to investigate the ups and downs of AI integration into our and development, trends to look out for, and
development of this new technology surges
pitfalls to avoid.
随着我们与Earle G. Hall一起探讨下一波企业
间的差距将会越来越小。工作场所自治过程的 下一步是什么？ 请在上午的这个主题演讲中寻 找答案。
to get much narrower with AI’s limitless
daily lives, with a discussion on research
between ambition and execution is set
the ethical implications to be considered as
Yorick Wilkes, Computer Scientist
productivity with Earle G. Hall. The gap
Angelo Dalli continues the theme of AI and
Tim Draper, Founder - Draper Associates
as we look into the next wave of enterprise
WHAT TO EXPECT 内容提要
8th Nov - Intercontinental, Malta Truly transformative solutions to large-scale
a secure, a peer-to-peer mechanism for
problems are created when different people
verifying information. This meeting of minds
are brought together to make what would
looks set to challenge our understanding of
otherwise be considered unusual connections.
how the world works, and how the future will
The final conference at our winter edition
level the playing field.
Conference 4 The Innovation Edge 第四次大会—— 创新优势
of the AIBC Summit takes a deep dive into the world-changing applications of AI and
On a similar note, the process of banking the
unbanked continues to bring equality and
First up is a look at the opposing nature of traditional finance systems and the new decentralised, high-speed money transfer market. Blockchain is revolutionising the payment space as transaction protocols and intermediaries like Swift, Visa and Mastercard begin to feel the heat. As entrants with new operational models hit the market, we find out where this leaves traditional finance.
opportunity to the world’s disadvantaged populations. This is one of the most important issues for huge swathes of the planet’s 7.5 billion residents, so many of
Akon, Chairman & Co-Founder - Akoin
whom will be given new focus on joining the 21st century as identity, finance, and business converge in the DLT space. It’s a future that brings hope to many millions of people who are often stuck in a loop of institutional indifference.
Later the discussion moves to emerging economies, and a panel of leaders in
With other panels and keynotes looking
the space talk about the opportunities
at democracy, DAOs, the job market, and
blockchain presents for balancing the
how blockchain will promote change and
equality of information in the DLT era.
empowerment of the people, this afternoon
Developing countries like India, Kenya and
of hot debate looks set to be a heated affair.
others in East Africa are discovering an array
Dive right in and see what you agree or
of applications for blockchain that promises
Dimitri de Jonghe, Co-Founder, Head of Product & Research Ocean Protocol
Ran Neuner, Founder & CEO - Onchain Capital
Anthony Pompliano, Co Founder & Partner - Morgan Creek Digital
Simona Pop, Co-Founder - Bounties Network
#AIBCsummit | 27
What the VIPS had to say 如今注定是令科技界激动的无眠之夜。马
THERE’S A LOT KEEPING THE TECH WORLD UP AT NIGHT RIGHT NOW. SIX OF OUR TOP SPEAKERS FROM THE MAY EDITION OF THE MALTA AI AND BLOCKCHAIN SUMMIT OFFER THEIR INSIGHT.
THE CHANGING NATURE OF THE CRYPTO MARKETS
THE CHALLENGES PRESENTED BY ADVANCING ROBOTICS
“In 2017 the cockroaches came out, the market was
“The robots that we are developing, the digital system and everything else
infected and we had all of the wrong people doing things
we are familiar with, are pushing on those boundaries asking us to describe
for the wrong reasons. We had to go through these bear
a social status that is a little different from what we used to - this eventually
markets, which I think of as a purge.
impinges on legal questions – do you recognise a robot as a person?
“I choose to define my success as the impact I’m having in
“If you make these devices like social robots that come into our homes and
the world, how many lives I positively impact. Figure out
we have social relationships with – what is their status? They’re not quite a
in life what it is you’re passionate about, what it is your
thing; they’re not quite a person, who’s liable? We don’t have a lot of examples
good at, and what the world needs. If you’re doing what
of things in our world that have that in-between kind of status. The question
you’re good at and what you love, you’re going to be very
is whether we can always tie liability and accountability to a human being
successful at it and wealth will be a by-product of that.”
when you have machines enabling independent decision making.”
HOW AI CAN REVOLUTIONISE MODERN SOCIETY 人工智能如何变革现代社会
FINDING THE RIGHT BALANCE BETWEEN AI AND HUMAN DECISION MAKING 在人工智能与人类决策之间找到适当的平衡点
“The complexity of modern society goes beyond the ability of any human being to comprehend or control, in this sense, AI could be much better at political and social decision making than human beings.
“We’re also seeing a massive problematic area of algorithmic decision making, where it’s becoming very apparent that its gender biased and racially biased. What
“Human beings will set the value systems and AIs will figure
we have at the moment is an evolving society, our norms
out how to optimise policy to achieve those specified values.
Most nations on this planet are not very well configured to the value system of anyone at the moment, partly because of human greed and selfishness.
“We’ve changed a lot but unfortunately the data locked in our internet is not changing and that’s what we’re using to train these systems. AI can work really well a lot of the time,
“This is the beginning of an AI revolution. We are going to
but when it makes a mistake, boy does it make a mistake.
usher in a new era where AIs and humans live together
It goes right off the rails. So, I want human deliberation on
peacefully. This is where I think blockchain can play a key role –
those kinds of decisions (such as for medical care). In the
providing a more decentralised, democratic, and participatory
political sphere, I worry it could destroy our democracy not
framework, where AI is guided by everyone who is putting data
save it, because we’ve seen all the stuff with fake news,
in it and using it. This can lead to a more beneficial transition to
we’ve seen the collection of Facebook data and how it can
be used to manipulate populations.”
上说，人工智能在政治和社会决策方面要比人类好得多。 人类负责设定价值体系，人工智能将找出优化政策的方式，以实现 这些指定的价值。这个星球上的大多数国家目前并没有成形的适合
族偏见相关。我们现在拥有的是一个在不断进化的社会，其习俗也 在不断改变。 虽然我们已经改善了很多，但是用来修整系统的数据却一直储存在
处的新时代。我认为区块链将在其中发挥关键作用——提供一个更 加分散、民主和广泛参与的框架，人工智能由每个输入数据并使用 它的人引导。这样就能更好地过渡到超级智能并造福更多的人。”
他们出现错误的时候（他们确实是会犯错误的），整个行程就会偏 行业的决策。在政治范围里，我担心人工智能会毁灭而不是拯救我 们的民主体系，因为我们已经看到了许多类似的事例，比如虚假新 闻，或者利用收集到的大量脸书上的信息来操控大众。”
#AIBCsummit | 29
COVER STORY 封面故事
创新之岛 HAVING POSITIONED MALTA AS A LEADER IN BLOCKCHAIN AND DLT TECHNOLOGY, THE GOVERNMENT HAS LAUNCHED THE MALTA STRATEGY FOR ARTIFICIAL INTELLIGENCE AND WITH THE ASSISTANCE OF THE SPACE TASK FORCE, IS CURRENTLY DEVISING A SPACE STRATEGY FOR THIS TINY NATION IN THE MEDITERRANEAN - IT IS CLEAR THAT MALTA IS ENTERING A NEW ERA OF DIGITAL INNOVATION. THE JUNIOR MINISTER FOR FINANCIAL SERVICES, DIGITAL ECONOMY AND INNOVATION WITHIN THE OFFICE OF THE PRIME MINISTER OF MALTA SILVIO SCHEMBRI, SITS DOWN FOR AN EXCLUSIVE INTERVIEW FOR THIS ISSUE’S COVER STORY. 随着马耳他成为区块链和DLT技术的先驱者，政府已针对人工智能推出了马 耳他战略，该国空间任务组制定了一项空间战略，很显然，马耳他正在进入 一个数字创新的新时代。 马耳他（Malta Silvio Schembri）总理府办公室内 的金融服务，数字经济与创新部副部长，对本期封面故事接受了专访。
#AIBCsummit | 33
WHY HAS THE GOVERNMENT CHOSEN TO PURSUE
in the industry, which represents about 0.1% of
A DIGITAL FUTURE FOR MALTA?
our GDP, which is very minimal. The idea with this
If you look at the past four years we’ve been enjoying substantial economic growth, In order for the economy to be resilient to external shocks we have to continue to diversify and explore new niches to sustain our economic growth.
increase to 1% of our GDP - attracting more people to work in video games development. This continues to give more reasons to operators to continue to invest in
“ The proactiveness of this government, sends a significant message to companies in this sphere which are looking to operate from here ”
So for this reason we have delved into niche
Malta. The video games
economic areas. We started two years ago with
business model is structurally
blockchain and we’ve been attracting significant
different from iGaming. Game
investment to our island, not only in terms of
developers need industry-led
crypto but also in other areas of technological
and sector-specific expertise
developments. Now we’re seeing new development
and support to be able to grow.
in companies that are investing in technology and
Hence, after discussion with
coming here to work and operate from Malta. We’re
key stakeholders we sought
also seeing a spill-over effect, such as companies
to take significant educational
from the iGaming industry who are producing new
initiatives to sustain the
products supported by blockchain technology.
existent talent pool, cater
Given that we’ve been the first country to go into
for the needs of the industry
this direction, I would say that such companies feel
and make it easier for future
more comfortable working in Malta and expanding
generations to pursue a career
their operations since our framework is aimed at
in this thriving sector. The pro-
providing legal certainty. Therefore, instead of
activeness of this government
having a company operating in just the iGaming
to look into new areas, embrace new technology
industry, these companies are now operating in
and tread into unchartered territories where
ancillary activities, such as blockchain and AI.
other countries hesitate to go, sends a significant
ALSO CENTRAL TO THE GOVERNMENT’S VISION IS FOR THE ISLAND TO BECOME A CENTRAL HUB
strategy is that within a period of 10 years this will
message to companies in this sphere which are looking to operate from here.
FOR VIDEO GAME DEVELOPMENT AND ESPORTS...
We’ve also signed a MoU with one of the biggest
In May we launched our strategy on video games
eSports organisers – ESL and in October the
development and eSports – we currently have
first initiatives will be launched in Malta. By end
about 12 companies operating, including one AAA,
November we will be in a position to issue first
which is the highest level a company can reach. At
strategy in terms of initiatives such as educational
the moment there are about 200 people employed
programs, tax incentives, and schemes.
COVER STORY 封面故事
为什么马耳他政府选择追求数字化的未来？ 如果你回顾一下过去四年，你会发现我们的经济一直在快 速增长。马耳他的经济在很大程度上是以服务业为基础 的，虽然具有多元化，但本国缺乏固定资本的实体投资。 为了将风险因素 降到最低，我们必须进一步拓展多元化， 为我们的经济增长创造更多的缓冲和弹性。 基于这个原因，我们深入研究了利基经济领域。两年前， 我们开始接触DLT和区块链，我们一直在大力吸引各类投 资， 不仅在加密技术方面，还包括其他技术发展领域。那 么，现在我们发现了来马投资的新企业中，投资研发技术 并在此运营的公司越来越多。我们也看到了溢出效应，例 如来自iGaming行业的公司正在生产受区块链技术支持的 新产品。 由于我们是第一个朝着这个方向发展的国家，我想说，这 些 公司在马耳他工作和发展业务时会感到更安全，因为 我们框架的宗旨是要为这一领域的经营者提供法律上的支 撑。因此，这些公司不再仅仅限于开发iGaming行业，而 是从事三产活动，如区块链和人工智能。 政府愿景的核心也是让马岛成为电子游戏开发和电子竞技 的中心枢纽…… 今年5月，我们启动了有关视频游戏开发和电子竞技的战 略-我们目前大约有12家公司在运营，其中包括一家AAA公 司，这是一家可以达到同行业最高水平的电竞公司。目前 该行业约有200名从业人士，约占国内生产总值的0.1%， 这是非常少的。这一战略的理念是，在10年内，这将增加 到我们国内生产总值的1%——吸引更多的人从事视频游 戏开发。 这将保持运营商有更多理由继续在马耳他投资。电子游戏 的商业模式在结构上不同于iGaming。游戏开发商需要行 业主导和特定行业的专业知识和支持才能发展。因此，在 与主要利益相关者进行讨论之后，我们寻求采取重要的教 育举措来维持现有的人才库，以满足行业的需求，并使子 孙后代在这个蓬勃发展的行业中更容易定位自己的职业规 划。本届政府积极探索新领域，采用新技术涉足其他国家 犹豫不决的未知领域，这向该领域中希望在此开展业务的 公司发出了重要信号。 我们还与最大的电子竞技组织者之一ESL签署了谅解备忘 录，并且首批政策将于10月在马耳他启动。 到11月底， 我们将根据教育计划，税收优惠和政策指引发布第一个战 略措施。
#AIBCsummit | 35
IS MALTA’S INFRASTRUCTURE EQUIPPED TO HANDLE
WILL WE HAVE A NATIONAL BLOCKCHAIN OR WILL A
DIFFERENT BLOCKCHAIN EXIST FOR EACH FIELD?
It’s a very valid concern, and it’s a reality. In Malta the
This is something we’re still analysing. On a European level, the
population has increased significantly in a very short amount
European commission has issued a tender to have a European
of time, it’s the highest population growth in Europe.
platform, so depending on that result, we’ll analyse whether it’s more viable for us to ride on that platform or have our own
That is why two years ago we launched a program to change
platform. At the moment what we’re doing is building our own
the physical infrastructure. We’ll be implementing a number of
systems which can plug into other already public or private
improvements, including widening of roads, as well as looking
blockchains and eventually
at other ideas, such as making deliveries through drones.
we can analyse whether to
We’re investing in a new telecom cable between Malta and Gozo, which is being built as we speak and we have a tender
keep them that way or have a separate blockchain.
for a cable between Malta and Marseille, with the possibility of
ALTHOUGH IT’S EARLY
investing in another cable between Libya and Malta - so that
DAYS YET – WHAT IS THE
Malta can act as a connectivity hub between Europe and Africa.
In terms of digital infrastructure we’re seeking to continue strengthening this aspect. We have in fact launched our
TERM VISION FOR A SPACE STRATEGY?
cybersecurity campaign and a new scheme for the private
We’re already in discussions
sector called B Secure, where private entities can apply for
with at least two European
this fund and have their system checked by a private company
countries which have put
free of charge, with an initial report provided to that company
a lot of investment into
to show the loopholes and where they need to invest in order
this area and we have
to protect against cyber attacks.
already identified a very
“ We have also set up Tech MT, which will promote all tech advancements and initiatives in the tech industry ”
interesting project to be implemented here in Malta. Hopefully We can see a huge amount of investment in terms of tech
we will sign this agreement next month and that will take us into
advancement, such as that being done by the MFSA. The
the movement of space activities. This year we launched the
newly set up registry of companies, now known as the Malta
Space Task Force, which has the responsibility to devise a space
Business Registry, will be fully operational on blockchain and AI by the end of this year. We have also set up a new promotional entity - Tech MT, which will promote all tech advancements and initiatives in the tech industry, from AI to blockchain and other emerging tech.
Here we’re not looking at the economical and research aspect of space, rather at things such as the registration of satellites, space mining, the registration of companies investing in space mining, and in terms of research from data used in satellites. That
YOU MENTIONED THE REGISTRY OF COMPANIES WHICH
is the commercialisation aspect of space.
WILL BE OPERATIONAL ON THE BLOCKCHAIN BY THE END
LET’S TALK ABOUT AI AND MALTA’S NATIONAL STRATEGY
OF THE YEAR, ARE THERE PLANS TO SET UP ANY MORE
– A PUBLIC CONSULTATION ON ETHICS GUIDELINES WAS
GOVERNMENT SERVICES ON THE BLOCKCHAIN?
LAUNCHED RECENTLY, WHAT ARE THE MAIN OBJECTIVES
Yes, every registry is being analysed to be put on the
strategy including a regulatory framework to regulate the arena.
blockchain. We have currently started by putting education
The Malta Ethical AI framework was up for public consultation
certificates on the blockchain. Reformed rent laws will also
and was developed based on four objectives, namely; a human
require the registry of rents on the blockchain. By being
centric approach, respect for all the applicable laws and
registered using distributed ledger technologies, the contracts
regulations, human rights, and democratic values, to maximise
will be protected against tampering and only those authorised
the benefits of AI systems while preventing and minimising
will have access to them. We plan to tackle Identity and health
risks, and finally to be aligned with emerging international
records, and tax next.
standards and norms around AI ethics.
COVER STORY 封面故事
我们仍然在分析这个问题。在欧洲范围内，欧盟委 员会 （European Commission）已经发布了一份
在数字基础设施方面，我们正在寻求继续加强这 方 面的工作。事实上，我们已经发起了我们的 网络 安全运动，并为私营部门制定了一个名为B secure 的新计划，在该计划中，私营实体可以申 请这笔基金，并由一家私营公司免费检查其系统，
“我们同时设立了 Tech MT，这将进 一步提高技术行业 中的所有技术和计 划的前进步伐”
的区块链。 虽然现在还为时过早，但政府对太空战略的长期愿 景是什么？ 我们已经和至少两个欧洲国家进行了讨论，他们在
我们可以看到在技术 提高方面有大量的投 资，例如MFSA所做的 投资。新成立的公司
注册处（现称为马耳他商业注册处）将于今年年底 使用区块链和人工智能领域全面操作。我们还建立 了一个新的促销实体-Tech MT，它将促进从人工智 能到区块链和其他新兴技术的技术行业中的所有技 术进步和计划。 您提到公司注册将于今年年底使用区块链技术，政 府是否在其它政务服务领域引用区块链技术？
在这里，我们不是着眼于空间的经济和研究方面， 而是着眼于诸如卫星注册、空间采矿、投资于空间 采矿的公司注册，以及从卫星使用的数据中进行研 究。这就是空间的商业化方面。 让我们来谈谈人工智能和马耳他的国家战略——最 近发起了一项关于道德准则的公共咨询，主要目 标是什么？ 马耳他道德人工智能框架目前正在接受公众咨询， 是根据四个目标制定的，即：以人为本、尊重所有 适用的法律法规、人权和民主价值观，最大限度地 发挥人工智能系统的效益，同时预防和最小化风
#AIBCsummit | 37
COVER STORY 封面故事
“ Having a framework on ethical and trustworthy AI is crucial as this will serve as guidance in the creation of trustworthy AI projects ”
Having a framework on ethical and
USING IOT TECHNOLOGY TO OPTIMISE
trustworthy AI is crucial as this will
PUBLIC SERVICES IS ALSO SOMETHING THE
serve as guidance in the creation of
GOVERNMENT HAS BEEN INVESTING HEAVILY
trustworthy AI projects, but most
IN, WHAT PROJECTS DO YOU HAVE LINED UP?
importantly it will play a crucial part in
I see IoT as a medium for bringing tech closer
instilling trust amongst the public. It
to the people. We’ve launched initiatives with
is these solid foundations, which will
Vodafone, having recently signed a MOU. Our first
eventually lead us to the certification
project was to implement intelligent bins, which
of AI-related projects. The Malta AI
communicate with the constructor when 70% full,
Taskforce has been doing sterling
alerting them if there’s a problem such as fire or
work in drafting Malta’s National AI
flooding– this will increase efficiency and reduce
Strategy which is aimed at putting
Malta amongst the 10 nations in the
There is also another project that is going to be
world to have a strategy likely to
implemented in Luqa for smart parking, where a
impact every sector we know today.
free app would let parkers know where there is an empty parking space. This will then be expanded
Towards the end of the year we’ll also make public the regulatory
framework, to attract AI companies to Malta
to other localities around Malta. We believe our continued efforts in this sphere will cement Malta its earned nickname as the
and to have internal operations operating on AI.
Blockchain Island. It will put us at the forefront
This is also how we’re working in terms of digital
of this digital transformation we have embarked
structure - because it will continue to modernise
upon, as well as a hub for innovation and creativity,
how we provide services as a country, allowing us
making Malta the ultimate jurisdiction of choice.
to be more avant-guard in this sphere.
The future is an exciting one and it is digital.
有一个关于道德和可信赖人工智能的框架是至关重要的，因为这将 作为创建可信赖人工智能项目的指导，但最重要的是，它将在向公 众灌输信任方面发挥关键作用。正是通过这些坚实的基础，最终将 引导我们获得人工智能相关项目的认证。马耳他人工智能工作组在 起草马耳他国家人工智能战略方面做了出色的工作，该战略旨在使
“拥有道德和可信赖的AI框架 至关重要，因为这将为创建可 信的人工智能项目提供指导”
在人工智能上开展内部业务。这也是我们在数字结构方面的工作方 式，因为它将继续使我们作为一个国家提供服务的方式现代化，让 我们在这一领域更加前卫。 利用物联网技术优化公共服务也是政府一直在大力投资的项目，你 已经安排了哪些项目？
还有另一个项目将在luqa实施，用于智能停车，一个免费的应用程 序将让停车者知道哪里有空位。这将扩大到马耳他周边的其他地 方。 我们相信，我们在这一领域的持续努力将巩固马耳他作为区块链岛 屿的得名。它将使我们站在我们已经开始的数字化转型的前沿，同
#AIBCsummit | 39
MALTA FINANCE: RISK ON OR OFF? 马耳他金融: 追逐风险还是规避风险？ WHAT INITIATIVES ARE MALTA’S FINANCIAL AUTHORITIES PURSUING AS THE COUNTRY’S FINANCIAL LANDSCAPE FACES THE PROSPECT OF DISRUPTION? CHRISTOPHER ATTARD CAUGHT UP WITH THE MFSA’S CHIEF STRATEGY OFFICER, DR. CHRISTOPHER BUTTIGIEG, TO GET THE LOWDOWN ON THIS FRONT.
马耳他的金融格局面临崩溃的前景， 该国金融当局采取了哪些举措？克 里斯托弗·阿塔德Christopher Attard 采访了马耳他金融服务管理局MFSA 的首席战略官克里斯托弗·巴蒂耶 Christopher Buttigieg博士，以了解 这方面的举措。
REGULATION IS OFTEN TOUTED AS A
NECESSARY EVIL. HOW DOES ONE REGULATE
WHILE STILL BEING NIMBLE ENOUGH TO KEEP UP
WITH CUTTING-EDGE INNOVATION?
Regulation is a tool to safeguard market integrity
and financial stability and to protect consumers.
Regulation also provides legal certainty thereby ensuring sustainable economic growth. This is advantageous both for service providers, given that the regulatory environment that they operate in remains constant; and for consumers, as regulation provides for their protection. Another important aspect of regulation is enforcement, given that
利的，因为它们所处的监管环境是固定的；对 于消费者而言也是有利的，因为监管为他们提 供了保护。监管的另一个重要方面是执法，因 为监管行动可以作为对未来的错误行为的威 慑。管理一个不断发展的部门可能非常具有挑 战性：然而，作为一个管辖区，马耳他正在采
regulatory action acts as a deterrent against future
wrong-doing. Regulating a constantly evolving
sector may prove to be challenging: however, as a
jurisdiction, Malta is taking a proactive approach
by promulgating legislative instruments which are technology-neutral and principles-based. Further
detail and granularity is then provided within rules
issued by the MFSA.
WHILE REGULATION IS JUSTIFIABLY THE MAIN
FOCUS OF THE MFSA, IS THERE ANY ADDITIONAL
ROLE THAT INCLUDES ATTRACTING FOREIGN
DIRECT INVESTMENT INTO THE COUNTRY?
It is not the role of the MFSA to promote Malta as an international financial services centre – this falls
under Finance Malta, a public private partnership
set up specifically for this purpose. In this respect,
the Authority is currently working on a strategy
document which will detail our plans to enhance
supervisory engagement. High standards of regulation and supervision make a jurisdiction attractive for serious operators – in this light it is important that Malta continues to raise the bar in order to remain a jurisdiction of choice for financial services. To this effect, under the VFA framework, for example, Malta has imposed requirements which go beyond the EU’s Fifth AML Directive.
#AIBCsummit | 41
ADVANCING BUSINESS WITH
BITCOIN SV 1.
Join the Bitcoin Association and gain access to our sponsored events.
Enjoy discounts to the CoinGeek Conference at London in February 2020.
Meet the most innovative and creative minds in Bitcoin.
BE A MEMBER
PROUD SPONSOR OF THE
MALTA HAS BEEN PROACTIVE IN EXPANDING ITS REGULATORY
shall be working to improve the quality of licensed entities’ boards
FRAMEWORK. WHICH SECTORS AND CONCEPTS ARE YOU
and raise the bar for Corporate Service providers.
CURRENTLY LOOKING INTO AND WHY? As you are aware, the Authority’s main regulatory initiative for 2018 was the promulgation of the VFA Framework, with the first VFA Agents being registered in May this year. The registration of the first VFA Agents lead to the MFSA being in a position to start accepting and considering applications for VFA Services Licences. It is expected that the first VFA service providers are licensed in the coming months. Complementary to the VFA regime, the Authority has recently issued a Consultation Document on Security Token Offerings. This document
“ Malta is taking a proactive approach by promulgating legislative instruments which are technology-neutral and principles-based ”
is the first step of an overarching capital markets strategy and seeks stakeholders’ views on a policy which promotes innovation and the use of technology in the financial services sector whilst safeguarding investors, financial integrity and stability. Furthermore, the MFSA is also working on the implementation of its FinTech Strategy. Pillar 1 thereof,
A HARMONISED EUROPEAN TAX SYSTEM WOULD ARGUABLY HAVE A DEVASTATING EFFECT ON MALTA’S COMPETITIVE ADVANTAGE. WHAT’S YOUR POSITION ON THIS?
which has been issued for consultation last month, focuses on how the
Whilst taxation per se does not fall within the Authority’s remit, one
Authority is seeking to adopt regulatory and supervisory initiatives to
may safely state that Malta’s competitiveness is not solely dependent
support innovation and improve regulatory efficiency. In light of both consultation documents, readers can expect regulatory developments to take place in the coming months.
on its corporate tax system – there are other factors which make Malta an attractive jurisdiction for financial services operators, such as the fact that instruments promulgating regulatory frameworks are drafted
As stated in Vision 2021, the Authority aims to pre-empt poor conduct
in the English language, as well as the current push to raise standards
to minimise wrong-doing. In this regard, going forward, the Authority
with regard to financial supervision, particularly in the field of AML/CFT.
如您所知，管理局2018年的主要监管举措是颁布了VFA框架，第一批VFA 代理商已于今年5月注册。第一批VFA代理商的注册，使MFSA能够开始接 受并考虑VFA服务牌照的申请。预计第一批VFA服务提供商将在未来几个月 内获得许可。
融科技(FinTech)战略。上个月已经发布以供咨询的Pillar 1侧重于管理局 如何寻求采取管理和监督举措来支持创新，并提高监管效率。根据这两份 咨询文件，读者们可以预见相关监管工作的开展将于未来几个月内进行。 如《2021年愿景》中所述，管理局旨在预防不当的举措，以尽量减少错误 行为。在这方面，管理局未来将努力提高许可实体董事会的质量，并提高
“马耳他正在采取积极主动的 做法，颁布了技术中立和以相 关原则为基础的立法文书”
企业服务提供商的标准。 统一的欧洲税收制度可能会对马耳他的竞争优势产生破坏性影响，您对此 有何看法？ 虽然税收本身不属于管理局的职权范围，但可以负责任地说，马耳他的竞争 力不仅仅依赖于其企业税收制度，还有其他因素使得马耳他成为一个对金融
#AIBCsummit | 43
THE ECB IS SET TO RESTART THE CASH PRINTING PRESS FOR
technology whilst at the same time safeguarding investors and the
YET ANOTHER MONETARY STIMULUS. MEANWHILE, BITCOIN’S
stability and integrity of financial markets. By virtue of this policy we
FIXED SUPPLY BECOMES EVER-MORE INTERESTING FOR PEOPLE
are once again striving to be at the forefront of financial services
DISILLUSIONED BY TODAY’S DEVALUED FIAT CURRENCIES. WHAT
regulation. That being stated, the STO policy is just one part of an
ARE YOUR THOUGHTS ON THIS?
overarching strategy to take our capital markets to the next level.
Whilst we are aware that the popularity of crypto assets is increasing – and this is one of the reasons behind last year’s regulatory initiative - it is still too early to predict whether such assets will pose a tangible challenge to fiat currencies. THE 2008 FINANCIAL CRASH WAS OVER A DECADE AGO, SUGGESTING THE POSSIBILITY OF ANOTHER DOWNTURN. HOW IS MALTA POSITIONED WITH REGARDS TO ANOTHER POSSIBLE
“ It is still too early to predict whether such assets will pose a tangible challenge to fiat currencies ”
CRASH IN THE GLOBAL ECONOMY? The MFSA forms part of a Joint Financial Stability Board established by
FINANCIAL CRIME AND CYBERSECURITY GO HAND-IN-HAND.
the Central Bank of Malta Act. This Board is tasked with ensuring effective
WHICH INSTITUTIONS ARE MOST VULNERABLE AND HOW DO YOUR
cooperation between the Central Bank of Malta and the MFSA in the
EFFORTS AMPLIFY CONSUMER PROTECTION?
area of financial stability, including macro-prudential policy and, where relevant, micro-prudential instruments. It is also responsible for: [i] the formulation of policies to safeguard the stability of the financial system, [ii] to identify and assess macro-prudential instruments and where relevant, micro-prudential instruments required to be implemented to mitigate and control potential systemic and other risks to the financial system; and [iii] to give advice about whether and how an authority or public institution should act in respect of a credit or financial institution, where the issue appears to the JFSB to be relevant to the stability of the financial system. Recently, the CBM, in collaboration with the MFSA, following a recommendation by the JFSB issued borrower-based measures with the aim of strengthening the resilience of lenders and borrowers against the potential build-up of vulnerabilities stemming from the real estate market. THE MFSA ISSUED A CONSULTATION PAPER ON STOS EARLIER THIS YEAR. WHAT ARE THE ULTIMATE GOALS HERE AND BY WHAT MEANS WILL THE MFSA MAKE THEM A REALITY?
It is the Authority’s primary aim to safeguard the integrity and soundness of Malta’s financial services sector, as well as to protect consumers of such services. Given that literally any entity may be used for illicit purposes, it is not possible to pinpoint a category or class of entities which is more susceptible to financial crime than others. This year, the Authority has published its AML and CFT Strategy which sets out how AML and CFT supervision has been fused into the conduct and prudential supervisory framework, and how the Authority intends to enhance its AML and CFT supervision. In this light, the Authority has recently set up a Financial Crime Compliance Function within the Supervision Directorate and has also engaged an international team of experts to boost resources and expertise in the area. With respect to cyber security, the MFSA is in the process of setting up a Supervisory ICT Risk and Cyber Security Function which will be housed within the Supervision Directorate. Furthermore, the Authority has, this year, published Guidance Notes to this effect. These changes and more will, in the end, lead to higher standards of regulation and supervision,
As stated above, the STO Consultation seeks stakeholders’ views
which are fundamental to continue strengthening Malta’s position as a
on a proposed policy for STOs which promotes the use of innovative
jurisdiction of choice for financial services.
2008年的金融危机已经过去了十多年，有迹象 表明可能会再次出现经济衰退。马耳他如何应 对全球经济可能出现的又一次崩溃？
洗钱和打击恐怖融资战略，阐述了反洗钱和打 击恐怖融资监管是如何融入具体实施和审慎监 管框架的，以及管理局打算如何加强对反洗钱 和打击恐怖融资的监管。鉴于此，管理局最近
如何就信贷或金融机构采取行动提供建议。最 近，CBM与MFSA合作，遵循JFSB的建议，发布 了基于借款方的措施，旨在加强贷款方和借款 方抵御房地产市场潜在的脆弱性累积的能力。
“现在就判断这些资产 是否会对法定货币构成 切实挑战还为时尚早” MFSA今年早些时候发布了一份关于STOs的咨 询文件，这份文件的最终目标是什么？MFSA将 以何种方式实现这一目标？ 如上所述，STO咨询在寻求利益相关方对STO拟 议政策的意见，这些政策促进了创新技术的使 用，同时保护了投资者以及金融市场的稳定性 和完整性。凭借这一政策，我们再次努力走在 金融服务监管的最前沿。话虽如此，STO政策 只是将我们的资本市场提升到一个新水平的总 体战略的一部分。
#AIBCsummit | 45
CHAIRMAN & CO-FOUNDER AKOIN
BLOCKCHAIN INVESTOR & EVANGELIST
SPECIAL PROJECTS -
CO FOUNDER & PARTNER -
PROFESSOR OF ARTIFICIAL INTELLIGENCE DEPARTMENT
MORGAN CREEK DIGITAL
OF COMPUTER SCIENCE UNIVERSITY OF SHEFFIELD
AIBCSUMMIT.COM Issue 3
#AIBCsummit | 47
EMPOWERING THE FUTURE OF FINANCE 助力金融的未来
STORIES OF THE ILLEGAL USE OF CRYPTOCURRENCIES OFTEN DOMINATE HEADLINES AND INFLUENCE THE MAINSTREAM NARRATIVE. FEDERICA TACCOGNA, MANAGING DIRECTOR AT FTI CONSULTING AND STRATEGIC ADVISOR TO THE MFSA WRITES ABOUT HOW COMPLIANCE CAN BE ONE OF THE KEY ENABLERS TO CHANGE PERSPECTIVE.
非法使用加密货币的报道 往往占据新闻头条，影响 主流观点。FTI咨询公司董 事总经理兼MFSA战略顾问 Federica Taccogna撰文， 分析合规如何成为改变人们 观点的关键推手。
ryptocurrencies and the ecosystem surrounding them
are as vulnerable to the threats of financial crime -
money laundering, terrorist financing, fraud, scams, and
hacking attacks –as traditional financial instruments and market participants are.
Crypto ATMs can be exploited by money mules just as traditional
ATMs can; and crypto-to-crypto exchanges are increasingly used
by criminals who layer the proceeds of crime through a number of
them and then acquire (often extremely expensive) goods from vendors that accept cryptocurrencies.
Bitcoin has become the primary means of payment for the infrastructure used to support espionage and state-driven hacking. The WannaCry ransomware attack requested that the ransom be paid using Bitcoins. Behind it was the North Korean Lazarus group, also responsible for the theft of USD 81 million from Bangladesh
式，用于支持间谍活动和政府主导的黑客攻 击。WannaCry勒索软件攻击要求使用比特币 支付赎金。其幕后黑手是朝鲜Lazarus集团， 他们曾从孟加拉国银行窃取8100万美元，在
Bank; the hacking of Sony Pictures Entertainment and numerous
other intrusions on the defence, financial services, technology, and
virtual currency industries.
#AIBCsummit | 49
Recently, Al-Qassam Brigades,
be due to the relatively marginal
a wing of Hamas, launched a
role played by cryptoassets in the
fundraising campaign in Bitcoin
bigger financial services context. It
and the Russian hacking group
is not implausible to conclude that
Fancy Bear was found to have
as the role of cryptoassets grows,
stored illicit funds in a wallet in the
so will the desire and the ability for
cryptocurrency exchange BTC-e
criminals to exploit them.
(also a popular destination for funds belonging to a long list of Russian
In the mainstream narrative, this
criminals and cyber-criminals).
aspect – the ‘dangerous nature’ of cryptocurrencies – often receives
Cryptocurrencies can be used to
more attention than the potential
circumvent economic sanctions.
of the technology. The advent of
Some states have already made
change is hardly ever met with
an attempt at creating their very
full trust by the majority. Even
own, state-backed cryptocurrency (Venezuela’s Pedro) and with Russia and Iran reportedly working on similar endeavours, it is easy to see why there is growing concern. OFAC has also started to include
have an advantage. One of the
ecosystems that criminals are already exploiting.
main reasons why the traditional financial services has ‘allowed’ so much financial crime to happen has been the failure, on the part of markets participants, to understand how their business
The very aspects of
models and operations might
cryptocurrencies that make them
be exploited for financial crime.
attractive from a commercial point
Compliance and control happened
of view – such as pseudonymity
as an afterthought.
and ease of transfer - make them
However, crypto businesses might
reality, a presence in the financial
that challenges the rules with
that cryptocurrencies are a
by way of disruptive technology
cryptocurrency addresses on its
These are symptoms of the fact
“ The advent of change is hardly ever met with full trust by the majority ”
more so when change comes
valuable tools for those looking to
Businesses in the crypto space
hide the proceeds of crime in the
can use lessons learnt from the
mainstream system, fund illicit
traditional financial services and
activities and distance themselves
build AML and financial crime
from criminal activity. Some, such
compliance and protection within
as privacy coins, are designed to
their models, from inception.
offer the very quality that money launderers seek.
Being associated, even involuntarily, with criminal activity,
Some have observed that the
may have catastrophic criminal
scale of illicit activity relating
and reputational consequences for
to cryptoassets is relatively low
a crypto business. Moreover, with
when compared to volumes in the
the tightening of regulation, crypto
traditional financial sector. Whilst
businesses now also face a higher
this is true, it is also very likely to
risk of regulatory action.
It is clear that safely operating in the crypto
space means, first of all, understanding
vulnerabilities and assessing the risk
inherent in an endeavour or business model.
The risks faced by crypto exchanges are
not the same faced by those facilitating the
sale of tokens for an ICO, or by decentralised exchanges, or crypto ATMs. Building defences against financial crime then, means that firms (of any size and type), operating in this space, must understand where the funds behind the transactions they facilitate originate
加密货币领域的企业可以从一开始就吸 取传统金融服务中的经验教训，在其模 型中建立反洗钱以及金融犯罪合规和保 护制度。
加密货币可以用来规避经济制裁。一些 国家已尝试创造自己的由国家支持的 加密货币（委内瑞拉的Pedro）。据报 道，俄罗斯和伊朗也在进行类似的工 作，所以很容易理解为什么担忧越来越 多。OFAC（美国财政部海外资产控制办
与犯罪活动相关联，即使是非自愿的， 也会对加密货币企业造成灾难性的犯罪 和声誉后果。此外，随着监管的加强， 加密货币企业现在也面临更高的监管行 动风险。
fiat world, this process of knowing your
customer (KYC) and performing customer
from and ultimately, move to. In the
due diligence (CDD) is relatively easier (in theory at least, because failures, in
practice, have allowed incredible amounts
of illicit funds to flow through the system).
With cryptoassets, users can route funds
through pseudonymous cryptocurrency
addresses that are not readily attributable to realworld identities. Only the use of specifically designed technology that can help identify these ‘paths’ and make KYC/ CDD in the crypto space are truly effective. Finally, crypto businesses must monitor
“变革的出现 往往难以得 到多数人的 完全信任”
贵工具。一些货 币，如隐私币， 正是为洗钱者而 设计的。
业模式中固有的风险。加密货币交易所 面临的风险与推动ICO代币销售的交易所 或分散化交易所或加密货币ATM的风险 并不相同。 因此，要想防范金融犯罪，这个领域中 的公司（不论规模和类型）都必须了解 其促成的交易背后的资金初始来源和最 终去向。在法定货币的世界中，了解客 户（KYC）和执行客户尽职调查（CDD） 的流程相对简单（至少理论上讲很简 单，因为实践中的漏洞已使大量非法资 金流入系统）。在加密货币资产的世界
a transaction in cryptoassets is different
from one in fiat. Traditional methods on
transactional analysis will not work, unless
they are built upon and integrated with
To achieve control of and protection against
financial crime in the crypto ecosystem,
it is important that all participants – from
regulators to established businesses,
transactions to detect indicators of financial crime and trace flows of illicit funds. Once again, a concept identical to that applied to the fiat world. With the difference that
through to new entrants – are aware of the risks and come together to share information, shape regulation and controls
最后，加密货币企业必须监控交易，以 检测金融犯罪迹象和追踪非法资金流 动。而这个概念与适用于法定货币世界 的概念是相通的。区别在于加密货币资
为了在加密货币生态系统中管控金融犯 罪并保护用户，所有参与者——从监管 机构到成熟企业，再到新进入者——都
and protect the industry from the risks
without slowing down or constraining
innovation but, rather, enhancing it.
#AIBCsummit | 51
BREAKING WITH TRADITION 打破传统
IVAN GOWAN, CEO AT CURRENCY.COM GIVES AN OVERVIEW OF HOW CURRENCY.COM IS ESTABLISHING AND HELPING TO DRIVE INNOVATION AS IT BRIDGES TRADITIONAL FINANCE AND BLOCKCHAIN THROUGH A REGULATED TOKENISED SECURITIES PLATFORM.
Gowan概述了在传统金融向区块 链的过渡过程中，currency.com 如何通过受监管的代币证券平台 建立并推动创新。
WHAT ARE YOU BRINGING THAT’S DIFFERENT TO EXISTING
soon. That list will be extending over time but I don’t think we’ll
CRYPTO EXCHANGES/TOKENISED SECURITIES EXCHANGES?
ever go as far as a company like Binance, with 2000 alt coins,
There has been a strange trend of crypto exchanges only really
some of which may or may not be around in 6 months.
offering a web-based trading platform. We put a huge amount of
CURRENCY.COM IS LICENSED IN ACCORDANCE WITH THE
effort into our mobile app and we get really positive feedback - it’s
DECREE № 8 “ON DEVELOPMENT OF DIGITAL ECONOMY” IN
really highly rated in the App Store and Goolge Play Store. We’re really proud of the mobile app experience that we brought to trading community and I think we’re bringing the best in what’s
BELARUS. WHAT ELSE DOES BELARUS HAVE UP ITS SLEEVES WHEN IT COMES TO THE BLOCKCHAIN TECHNOLOGY SPACE?
being developed in mobile trading from more traditional trading
It’s really interesting how this has evolved and developed. We’ve
markets to crypto traders. I think that’s really powerful. There are
worked very closely with different jurisdictions that are trying
some great risk management tools, analytics, and insights that
to be interesting and at the forefront of regulation in this space.
can be gained from the mobile app – from your pocket.
Gibraltar and Malta have been doing some interesting stuff, I
CURRENTLY, THE PLATFORM ENABLES TRADING WITH BITCOIN AND ETHEREUM. DO YOU PLAN TO ADD MORE CRYPTOCURRENCIES AND WHICH ONES?
think Gibraltar is respected, somewhere that’s looked at this whole space for a long time. Minsk has established new legislation that has leapfrogged
Yes, we’re always working on that, we get a lot of demand in our
what was being done in Gibraltar. Gibraltar was the first to start
community for adding more and there’s obviously a fair bit of
looking at the ICO market and at cryptocurrencies when there
work involved in integrating with the different blockchains. We
wasn’t much classification, when there wasn’t much scrutiny or
launched support for LiteCoin recently and we’ll be looking to add
messaging coming out of the US about security tokens. Belarus
additional tokens to our ERC20 compatible integration. We’ve got
came slightly later but because of that had a broader awareness
Ripple quite high up in our pipeline, whilst Bitcoin Cash is coming
of where things were going to head with security tokens.
您的平台与现有加密货币交易平台/代币证券交易平台有什 么不同之处吗？ 关于加密货币交易平台，一直有一种怪异的趋势，就是只 开发基于网页端的交易平台。我们在移动应用程序上投入 了大量精力，也得到了一些非常积极的反馈：该应用在App Store和Goolge Play上的评分都很高。能给交易社区带来 移动应用程序体验，我们感到非常自豪。从更传统的交易 市场到加密交易工具的移动端开发成果中，我认为我们做 到了最好。这个平台功能非常强大，只需从口袋中掏出手 机，打开应用，你就可以获得一些强大的风险管理工具， 以及分析和见解。 目前，该平台支持比特币和以太坊交易，您是否计划以后 添加更多加密货币种类呢？如果要添加，您打算添加哪些？ 有这个计划，而且我们一直都在为之努力。在社区中，我 们也听到了很多关于添加更多加密货币种类的呼声，但显 然，要集成不同的区块链货币，还需要做很多工作。我们 最近新增了莱特币，以后还会添加更多的代币种类到我们 的符合ERC20标准的兼容集成系统中。瑞波币在我们的计 划前列，很快也会增加比特币现金。随着时间的推移，我 们的计划表也会不断扩展，但我认为我们不会像币安公司 （Binance）那样支持2000种代币，毕竟其中有些代币半年 以后是否还存在都说不准。 Currency.com是根据白俄罗斯第8号法令——《关于发展数 字经济》获得许可的，那在区块链技术领域，白俄罗斯还 有什么其他妙计吗？ 区块链在白俄罗斯的引入和发展过程真的很有意思。我们和 各管辖区域的合作非常密切，这些管辖区域在试图引起人 们的关注的同时，也希望处于这个领域的监管前沿。直布 罗陀和马耳他一直以来都在做一些有趣的工作，我认为直 布罗陀是值得尊敬的，它长期以来一直在关注这整个领域。 明斯克制定了新的法律，直接超越了直布罗陀在这一领域 所做的工作。在区块链种类还不是很多的时候，在美国还 没有很多关于证券型代币的审查或消息的时候，直布罗陀 是第一个开始关注ICO市场和加密货币的地区。白俄罗斯引 入区块链的时间要稍晚一些，但正因为如此，白俄罗斯对关 于证券型代币可以应用在哪些领域的认识要更加广泛一些。
#AIBCsummit | 53
FLEXIBLE OFFICE SOLUTIONS FOR TODAY’S INNOVATIVE DOERS AND THINKERS.
AN IDEAL BUSINESS ENVIRONMENT TO IMPROVE
EFFICIENCY, PRODUCTIVITY, AND EMPLOYEE WELL-BEING SOHO locations:
Join Malta’s largest coworking network:
St Julians, Savoy Gardens, The Strand
+356 9933 4333 firstname.lastname@example.org sohomalta.com
“ We’ve worked very closely with different jurisdictions that are trying to be interesting and at the forefront of regulation in this space ”
There has been a lot of work done to encourage IT innovation to move from being a place that has the reputation of having good software engineering talent for outsourcing, to trying to develop itself more as a place where product companies are setting up and attracting more foreign investment. So for us it’s important to be regulated, it’s important to have that legitimacy and protection. But we’re very aware we want to be regulated in more jurisdictions, as those jurisdictions develop legislation that will govern what we’re offering our customers. WHAT WERE THE BIGGEST CHALLENGES YOU ENCOUNTERED AS YOU LAUNCHED? I think there are the usual challenges
for 3 years and some of that technology
those, you’re talking about a market that’s
underpins currency.com’s technology. The
measured in the hundreds of trillions. We
level of effort we’ve gone to, to create a very
see this as an opportunity for us to establish
engaging customer experience that looks
and help drive innovation in this crossover
great and provides reliable execution has
between traditional finance and blockchain.
been very challenging.
I think we will also see a broader adoption
WHAT TRENDS DO YOU THINK ARE IN LINE
of cryptocurrencies and I think we will
TO DISRUPT THE MARKET OVER THE NEXT
see regulators in the big financial sectors
COUPLE OF YEARS?
provide a lot more clarity. You’re going to see a massive shift in investment. It’s a space
of getting banking relationships, which is always hard in the crypto space. But
We believe the next waves of innovation in
that’s going to innovate over the next two
then I think it’s really important not to
the financial and fintech space is going to
years and that is going to be facilitated by
underestimate how much effort is involved
be in tokenising markets. The difference
increased clarity of regulation. I think that’s
in building a highly scalable exchange and
in size of the crypto market and financial
a good thing – we’ve seen some really bad
integrating with a broad range of traditional
securities market is absolutely enormous. If
examples of exchanges being set up and
markets and that’s something we’ve got
you look at the traditional securities market
private keys that are holding huge amounts
deep expertise in. We run the capital.
of the big investment banks and the big
of Bitcoin disappearing – and we’ve got to
com business which has been running
government issued bonds and derivatives of
put a stop to that.
“我们和各管辖区域的合作非常密切，这 些管辖区域在试图引起人们的关注的同 时，也希望处于这个领域的监管前沿”
白俄罗斯在鼓励IT领域创新方面做了很多努 力，旨在让IT领域从一个专注外包的拥有优秀 软件工程人才的领域，努力发展成一个构建大 量产品公司并吸引更多外国投资的领域。因 此，对我们来说，受监管很重要，拥有这类合 法性和保护很重要。我们清楚的知道我们需要 受到更多司法管辖区的监管，因为这些司法管
在推出该平台的过程中，您遇到的最大的挑战 是什么？ 最常见的挑战应该就是和银行建立业务关系，
有挑战性的。 您认为在未来几年有可能阻碍该市场的趋势是 什么？
我认为加密货币会得到更加广泛的应用，且对 大型金融部门的监管也会更加透明。你会看到 投资领域发生巨大转变。在未来两年，该领域
情况的发生。 Issue 3
#AIBCsummit | 55
â€œ We believe the next waves of innovation in the financial and fintech space is going to be in tokenising markets â€?
I think the trend will be towards more decentralisation. The tech behind blockchain which is powering the exchanges is going to advance further to the point where people can trade on the exchange without having their assets stored on the exchange. That’s something we’re really interested in. WHAT’S THE NEXT STEP FOR THE CURRENCY.COM PLATFORM, WHAT
我认为趋势是更多的权力下放。为交易平台提供驱动力的区块 链背后的技术将进一步发展，实现人们可以在交易平台进行交 易而不必将资产存储在交易平台。这也是我们非常感兴趣的一 个方面。 currency.com平台的下一步计划是什么，在未来几年会新增哪
NEW SOLUTIONS CAN WE EXPECT IN THE COMING YEAR?
The contract between currency.com and the customer is that we’re
guaranteeing to buy that token back at the future price that it’s trading
at whenever they want to sell it.
What we’re looking at now is how we can white list client’s wallets to
allow for direct transfers where we know both parties involved in the
transfer – that’s a work in progress at the moment. We’re also always increasing our range of market, we’ve launched government bonds on the blockchain, we’re going to increase the number of crypto we offer and trading on charts is coming next month. We’ve got a big development team, big investment in our tech
另外，我们一直在扩大市场范围，我们已经在区块链平台上推 出了政府债券，将来还会增加加密货币种类，下个月会推出图 表交易。我们拥有庞大的开发团队，技术平台也赢得了大量投 资，我们期待将客户想要的功能推向市场。
platform – we look forward to bringing the features our customers are demanding to market. WITH CURRENCY.COM YOU’RE BRINGING CRYPTO INTO TRADITIONAL FINANCIAL MARKETS, ARE THE DAYS OF TRADITIONAL BANKS NUMBERED OR DO THEY STILL HAVE A PART TO PLAY?
“我们认为金融和金融科技 领域的下一波创新浪潮会 出现在代币市场中”
We’re seeing fintech challenge the banks in many traditional areas and new regulations are opening up the banks to more competition.
There is an exciting opportunity that blockchain technology brings
to drive another wave of innovation that will put some areas of banks under pressure to change or be challenged by new entrants. Putting
traditional markets on the blockchain is a great first step towards
tighter integration and wider adoption. I think there will always be a
market for investing in capital markets through banks - ensuring capital
is deployed effectively to companies that are innovating and that’s a
really powerful part of capital markets. There’s a really important role
to be played for capital markets to drive innovation and help people
looking to build for the future to do that successfully.
Part of our role is to try and broaden access to those markets and by
tokenising traditional markets we are allowing people to buy smaller quantities of an asset – through us you can buy a tenth of a share and that lowers the barriers to entry. I think we are democratising the markets in that regard and I think blockchain can do that in lots of areas
我们的部分职责是尝试扩大这些市场的准入渠道，通过将传统 市场代币化，允许人们只购买少量的资产。通过我们的平台， 您可以购买十分之一股，这样也就降低了准入门槛。我们正在
of investment, whether that’s giving access to bonds or giving access
to less liquid markets like property or fine art – these are all areas of
innovation that are coming to blockchain and a really interesting part of
what are the early days of blockchain moving into traditional finance.
#AIBCsummit | 57
rel ive the moments 重温时刻
MALTA AI & BLOCKCHAIN AWARDS 23 MAY The second edition of the Malta AI & Blockchain Awards honoured individuals helping forge the future of this emerging industry.
马耳他人工智能与区块链奖 5月23日 第二届马耳他人工智能与区块链 奖授予了帮助打造这一新兴产业 之未来的个人。
2019 MALTA AI & BLOCKCHAIN SUMMIT 23-24 MAY
From a packed expo floor to high-profile speakers, the atmosphere at the 2019 Malta AI & Blockchain Summit was electric.
从热闹的世博会会场到高调的演讲 者，2019马耳他人工智能与区块链 峰会气氛异常热烈。
NETWORKING EVENTS 23-24 MAY Premier networking opportunities and exclusive wining and dining events for VIP guests.
社交活动 5月23-24日 为贵宾提供一流的社交机会和 专属的酒会及宴会活动。
#AIBCsummit | 59
MALTA AI & BLOCKCHAIN
23 MAY 5月23日
#AIBCsummit | 61
2019 MALTA AI & BLOCKCHAIN SUMMIT 2019马耳他人工智能与区块链峰会
23-24 MAY 5月23-24日
Photographer credit, Petra Maria Poola
#AIBCsummit | 63
NETWORKING EVENTS 社交活动
23-24 MAY 5月23-24日
Photographer credit, Petra Maria Poola
#AIBCsummit | 65
LOOKING TO THE FUTURE 展望未来 66
FUTURE1EXCHANGE IS AN INSTITUTIONAL GRADE DIGITAL ASSET EXCHANGE DESIGNED FOR BOTH PROFESSIONAL TRADERS AND RETAIL INVESTORS. THE PLATFORM, WHICH HAS A MONTHLY TRANSACTION OF 5 MILLION, ALLOWS USERS TO BUY, SELL, AND STORE DIGITAL ASSETS. THE BLOCK SITS DOWN WITH FOUNDER AND CEO, KISHORE M.
WHAT DIFFERENTIATES YOUR EXCHANGE FROM OTHERS?
Future1Exchange是一个机构级别的数字资产 交易所，专为专业交易者和散户投资者设计。 该平台的月平均交易量达500万，用户可以通 过该平台购买、出售和存储数字资产。《区块 链Block》杂志采访了Future1Exchange的创 始人兼首席执行官Kishore M。
Future1Exchange is licensed and regulated in Estonia, Europe. Most
exchanges are not licensed, so the regulation and licensing of our
Exchange will build trust in the market. Unlike other exchanges that take
huge listing fees – which are anywhere between 5 to 20 BTC, we support
listing projects by taking a very nominal listing fee, which is mostly in the
native tokens of the project as proof of our believe in the project. We have one of the best security systems and we provide world-class service to our users. There are very few crypto exchanges which have contact numbers and live chat features. Future1Exchange is bringing that level of customer service to the retail investors. We are giving FortKnox Security, Multi-signature Custody Services, a High-Speed Matching Engine, 24/7 transaction monitoring engine, and instant deposits and withdrawals. We are also assuring our clients that their digital asset on Future1Exchange will be 100% reserved and won’t be used anywhere else.
费通常都是项目的原生代币，以示我们对该项目的信任。 我们拥有最好的证券系统之一，可以为用户提供世界一流的服 务。很少有加密货币交易平台提供联系电话和实时聊天服务， 而Future1exchange就能为散户投资者提供这样水平的服务。 我们提供Fort-Knox Security、多重签名托管服务、高速匹配引 擎、全天候交易监控引擎和即时存取款服务。我们还向客户保 证，将100％保留他们在Future1exchange上的数字资产，不会 在任何其他地方使用这些资产。
We also have an academy to educate our users on blockchain and
cryptocurrencies. Only companies that are legit and have great potential
will be listed on our Exchange. Future1Exchange will be the go-to-platform for investors and traders looking to invest in disruptive technology companies that are going to shape the future. We aim to become the world’s leading Cryptocurrecy Exchange and platform for buying and trading cryptos, token offering, digital asset portfolio, custody, cryptocurrency education and forecasting. Our vision and mission is to create the most compelling blockchain and cryptocurrency company of the 21st century and to accelerate the world’s transition to adoption of blockchain and crypto. Through the Future1Exchange Platform, everyone will be able to buy/trade cryptocurrencies and start-ups will be able to raise funds for their ideas through token offerings and listings.
平台上市。 Future1exchange将成为那些想要投资能开创未来的颠覆性技 术公司的投资者和交易者的不二选择。我们致力于打造全球 领先的加密货币交易所平台，用于购买和交易数字货币、数 字资产组合，以及代币发行、托管、加密货币知识普及和预 测的平台。 我们的愿景和使命是创建21世纪最令人信服的区块链和加密货 币公司，并加速全球向区块链和加密货币技术应用的过渡。 每个人都可以通过Future1exchange平台购买/交易加密货币， 初创公司也将能够通过代币发行和上市为他们的想法筹集资 金。
#AIBCsummit | 67
WHAT PROBLEM IS FUTURE1EXCHANGE SOLVING? Future1Exchange supports Initial Coin Offering (ICO) Projects. The benefits of using an ICO over other forms of funding are very clear. The ownership of the company remains yours. The cost of an ICO is much, much lower compared to an IPO. An ICO doesn’t take money in return for cranking out a product that hasn’t yet been created, so the pressure to produce a product quickly is much lower. Hence Future1Exchange solves the fund-raising problem of entrepreneurs through Initial Crowdfund Offering and Listing. Future1Exchanges also solves the problem of GateKeeping. Projects which were previously denied to the crowd and available only to Venture Capital and high net-worth individuals with networks and connections, will no longer only be for the privileged few members of the society. Future1Exchange will help entrepreneurs circumvent obstacles of fund raising wherein they can appeal directly to a general audience on Future1Exchange Platform. Start-ups and SME (Small and Medium Enterprises) account for over 95% of global firms and over 75% of employment. Future1Exchange wants to help Startups and SME in their Fund raising and blockchain journey and in turn help create jobs for the global economy. DOES FUTURE1EXCHANGE HAVE ANY INTENTION OF ADDING CRYPTO TO FIAT PAIRINGS GIVEN THE VOLATILITY OF STABLECOINS? Future1Exchange will soon be launching P2P Exchange which will have a crypto-to-fiat pairing. HOW DO YOU ENSURE LIQUIDITY IN SOME OF THE LOWER-TRADED ALTCOINS? We make sure every token listed on our Exchange does market making and creates liquidity, otherwise the token will be delisted - this is part of our listing agreement. MILLIONS HAVE BEEN STOLEN FROM CRYPTO EXCHANGES DUE TO SECURITY VULNERABILITIES. WHAT SETS YOUR FIRM APART FROM THE REST? We have a Fort-Knox Security X509 SSL HTTPS certificate and 2 factor authentication with IP binding. This is tied up with Ledger for multi–signature cold wallet to automatically back up all our assets.
HAVE YOU ANY PLANS TO TRANSITION INTO A DECENTRALISED EXCHANGE THAT GIVES USERS OWNERSHIP OVER THEIR PRIVATE KEYS? We have plans to launch a Peer2Peer Exchange. P2P takes a decentralised approach to trading between individuals.
Future1Exchange解决了哪些问题？ Future1Exchange支持首次代币发行 （ICO）项目。通过首次代币发行筹集资 金的优势非常明显，公司的所有权仍然属 行的成本要低得多。首次代币发行不会为 推出一款尚未问世的产品而收取回报， 所以迅速推出产品的压力要小得多。因
OF THE BEST PREDICTORS OF A HIGHLY
SUCCESSFUL ONBOARDING PROCESS. HOW
DOES FUTURE1EXCHANGE TACKLE THIS?
telephone number for users to call us - very few crypto exchanges can be reached over a phone. A multi-language trading interface
HTTPS证书，还有双重认证和IP绑定。这 主要是利用分布式总账技术，以便多重签 名的离线钱包自动备份我们的所有资产。
USER EXPERIENCE IS ARGUABLY ONE
We have a live chat support service and
我们有Fort-Knox Security、X509 SSL
“我们正在扩展业 务，未来会在欧 洲、中东和东南亚 开设全球办事处”
问题。以前只有风险资本和拥有网络 和人脉的高净值个人客户才能参与的项 目，将不再仅限于享有特权的少数成
means clients will soon be able to purchase
Crypto with a credit card and users can
exchange over 100+ cryptocurrencies.
“ We are expanding and will be opening global offices in Europe, the Middle East, and South East Asia ”
和中小企业筹集资金，开展区块链业务， 从而创造更多就业机会，推动全球经济 发展。
我们有支持实时聊天服务，也给出了我们 的联系电话，方便用户联系，很少有加密 货币交易平台会给出自己的联系电话。我
Future1Exchange不久会推出将加密货币 ARE THERE ANY SNEAK PEEK
DEVELOPMENTS YOU’D LIKE TO
We are expanding and will be opening global offices in Europe, the Middle East, and South East Asia. We have a stellar team – Herbert
我们正在扩展业务，未来会在欧洲、中 东和东南亚开设全球办事处。我们有一 支出色的团队：有来自火币的赫伯特·西 蒙（Herbert Sim），又叫做“比特币男
Sim from Huobi aka the Bitcoin Man, Eman
Pulis founder of AIBC Summit and Saleem
Mohammad, founder and CEO of Tescon and World Blockchain Summit have all joined our Board of Advisors. We are planning our token offering by the end of this year.
#AIBCsummit | 69
BANKING ON ZBX ZBX银行业务
THIS TIME LAST YEAR THERE WERE NUMEROUS CRYPTO EXCHANGES THAT HAVE TAKEN UP THE MALTA FINANCIAL SERVICE AUTHORITY’S TRANSITORY PERIOD TO ANNOUNCE THE SETTING UP OF THEIR BUSINESSES ON THE BLOCKCHAIN ISLAND. ONE YEAR ON WE TAKE THE OPPORTUNITY TO SPEAK TO THE CEO OF ZBX, DAVE PULIS. WITH PHYSICAL OFFICES ON THE ISLAND AND OTHERS AROUND THE WORLD, ZBX IS DEFINITELY MAKING HEADLINES.
去年这个时候，大量的加密货币交易所在 马耳他金融服务管理局指定的过渡期内 宣布在区块链岛上建立业务。一年后的今 天，我们有幸采访了ZBX首席执行官Dave Pulis。ZBX在岛上和世界各地都设有实体 办公室，绝对是热门话题。
LET’S GET STRAIGHT TO THE HARD QUESTIONS. IS ZBX
mind that the future of exchanges is more akin to digital
PROCEEDING WITH THE VFA EXCHANGE APPLICATION
banking, we owe it to our users to establish ZBX in the
most stringent jurisdiction which ultimately protects
Yes, we have been working hard behind the scenes on many aspects critical to the licence application and I’m happy to say ZBX is on track to submit its application for a Class 4 VFA Service Provider licence in Malta. Considering the huge effort to set up a corporate
their interests and their assets. Malta has set a high bar, meaning it is possible if not likely that in time Europe will adopt a similar regulatory regime and perhaps in the coming years the licence will be passportable throughout the EU. This is a huge competitive advantage.
governance framework for our VFA licence, we are using
WE READ THAT ZBX IS GOING TO BE AUDITED BY ONE
the experience and legal framework to also prepare an
OF THE TOP 4 AUDIT FIRMS. IS THIS TRUE? IF YES,
application to be regulated under MiFID II that will enable
WHY GO THROUGH SUCH AN ORDEAL WHEN THIS IS
us to list security tokens in the future.
“ There are millions of crypto users that are unbanked due to the regulatory uncertainty burdening the industry ”
WHY DO YOU THINK THAT MOST EXCHANGES WILL NOT BE PROCEEDING WITH THEIR APPLICATION IN MALTA?
NOT A REQUIREMENT? We have talked to the large audit firms and determined that if we are to be considered on par with traditional stock exchanges like Nasdaq and the London Stock Exchange, then we have to provide the same level of
The Maltese regulatory
transparency and disclosure that traders expect when
regime is very thorough. It’s
investing their capital. It’s clear that the industry has
much easier to set up shop
been left wanting over the last few years and it’s clear
in jurisdictions with low to
that there is still a long way to go. The exchange industry
no regulation, where you can
must continue to challenge itself and continue to adapt.
buy a licence off the shelf.
ZBX wants to tackle the big issues; we want to provide
The exchange business
clarity and security, the type you can only get through
can be costly, even when
laying it all bare and being tested by independent bodies,
unregulated. Bearing in
agents, and regulators.
我们开门见山，直接聊一些不那么容易回答的问题。ZBX是否继续 在马耳他申请VFA交易所？ 是的，我们一直在幕后为此奔走，努力满足许可证申请的各个关 键方面。在此，我很高兴地向你们宣布，ZBX即将在马耳他提交其 4级VFA服务提供商许可证申请。考虑到我们为VFA许可证设立公司
“监管不确定性给行业带来了 很大的负担，数百万加密货币 用户因此无法享受银行服务”
治理框架所付出的巨大努力，我们正在运用相关经验和法律框架， 另外准备申请受到MiFID II监管的许可证，让我们可以在未来上市 证券型代币。
为什么您认为大多数交易所不会继续在马耳他申请许可证？ 马耳他的监管制度非常严格。在没有监管或监管不严的司法管辖 区 开设企业会更容易，因为那里可以买到现成的许可证。即使不 受监管，交易所业务也成本高昂。考虑到未来的交易所更像是数字 银行，为了对我们的用户负责，我们必须在最严格的司法管辖区内
我们与大型审计事务所进行了沟通，意识到如果我们想达到纳斯达 克和伦敦证券交易所等传统证券交易所的高标准，那么我们必须 为交易者在投资时提供同一水平的透明度和公开度。 毋庸置疑， 这个行业在过去几年里各方面都有待提高，我们显然还有很长的
才能达到。 Issue 3
#AIBCsummit | 71
‘The Strand’ Opening in November 2019
WE BRING PEOPLE TOGETHER AND CREATE OPPORTUNITIES FOR COLLABORATION AND NETWORKING
PLUG & PLAY OFFICE SPACE SOLUTION Unique amenities: member’s cafe, swimming pool, a lounge bar, rooftop garden, gym and more.
Immerse yourself in the SOHO community! +356 9933 4333 email@example.com 72
Book a tour at sohomalta.com
LET’S TALK INNOVATION! WE HEARD ON THE GRAPEVINE THAT
or Germany for example. This will apply to both digital and
ZBX IS PLANNING TO OFFER SOME BANKING SERVICES TO ITS
USERS. CAN YOU TELL US MORE ABOUT THIS?
THAT IS A BIG CLAIM INDEED FOR A COMPANY THAT IS LESS
Banking is the biggest pain point in this industry. The news
THAN ONE YEAR OLD. WHAT ARE THE EXPANSION PLANS FOR
should come out by the time this magazine goes to print but
ZBX TO ACHIEVE SUCH RAPID GROWTH?
we can disclose that ZBX
“ ZBX is much more than a crypto exchange. It is also a bridge between the traditional economies of the past and the digital economies of the future ”
has secured partnerships with UK, Swiss, Chinese, and North American banks.
Firstly we should thank our partners in Asia, the ZB group, for the assistance they provided. Going forward, we have hired the most talented marketers and product development experts that will form part of our core team helping to polish
Verified clients of ZBX will
our existing product. We are currently revamping the website,
be able to open a personal
backend, trading infrastructure/API and mobile Apps. Soon
bank account offered
afterwards we plan to add the banking interface and other
through our banking
tools that will make the user experience that much better.
partners and link their bank account to ZBX. This means cash deposits in and out will be uninhibited by current restrictive practices seen elsewhere. Clients will be able to order
There are millions of crypto users that are unbanked due to the regulatory uncertainty burdening the industry. We will be offering users the ability to deposit and withdraw in multiple fiat currencies, hedge with bank-backed stablecoins and secure their assets in a regulated exchange that is trusted by reputable banks.
debit cards and also have
ZBX is much more than a crypto exchange. It is also your security
access to other exciting
token exchange, your cash machine, your liquidity provider,
products that we will soon
your business accelerator, your forex agent, a bridge between
release to the market. We ultimately see ourselves increasing
people, countries and continents as well as a bridge between the
our product offering to be a leading digital financial institution,
traditional economies of the past and the digital economies of the
irrespective of whether you are based in Shanghai, Brazil,
future. Virtually, anything is possible.
“ZBX不仅仅是加密货币交易 所。它也是连结过往传统经济 与未来数字经济的桥梁”
些银行服务。您能就此详细说明一下吗？ 银行业务是这个行业最大的痛处。这个消息计划在这期杂志出版时向 公众宣布，但我们可以透露一点，ZBX已经与英国、瑞士、中国和北美 的银行建立了合作伙伴关系。经过验证的ZBX客户将可以通过我们的银 行合作伙伴开立个人银行账户，并将他们的银行账户关联到ZBX。这意 味着现金的存取款将不受其他地区当前限制性做法的拘束。客户将可 以订购借记卡，还可以使用我们即将发布的其他精彩产品。无论您身 处上海、巴西还是德国，我们都会不断发布更多产品，力图成为业界 领先的数字金融机构。这将同时包括数字资产和传统资产。 对于成立不到一年的公司来说，这确实是一个雄心勃勃的目标。ZBX 实现如此快速增长的扩张计划是什么？
全面更新网站、后端、交易基础设施/API和移动应用程序。在不久的将 来，我们计划添加银行业务界面和其他工具，优化用户体验。 监管不确定性给行业带来了很大的负担，数百万加密货币用户因此无 法享受银行服务。我们的用户将可以使用多种法定货币存取款、以银 行支持的稳定币进行对冲，并且他们的资产会在受信誉良好的银行信 任的受监管交易所得到保护。 ZBX不仅仅是加密货币交易所。它也是您的证券型代币交易所、您的
#AIBCsummit | 73
Breaking the bank 冲破银行束缚
REUVEN SCHOCKNER IS AN ARTIST FROM GERMANY WITH A BACKGROUND IN GRAFFITI ART. HE HAS MOVED INTO FINE ARTS THROUGHOUT THE YEARS AND CURRENTLY IS FOCUSING ON THE RISE OF CRYPTO AND THE FALL OF FIAT. HE SHARES HIS THOUGHTS ON THE RELATIONSHIP BETWEEN MONEY AND ART AND HOW CRYPTO HAS INSPIRED HIS WORKS. Reuven Schockner是一位拥有涂鸦艺术背景的德国艺术家，多年来一直从 事美术工作，目前他正在关注加密货币的崛起和法定货币的衰落。他分享 了他对金钱与艺术之间关系的看法，以及加密货币如何给予他灵感。
HOW SIGNIFICANT IS THE CONCEPT OF MONEY TO YOUR ARTWORKS? Very significant - it´s the foundation of what I do; the material
I use, and the intention behind my paintings. Money was a
significant factor for human civilization to grow and prosper.
We see today that it failed in many ways; this has lead to an
opportunity to rethink and change. We (humans) seem to only change after having failed before - it´s painful but it´s necessary. I find that to be a very, very interesting concept for my artworks. WHAT IS SO ALLURING ABOUT CRYPTOCURRENCIES AS A THEME? HOW HAVE YOU EXPLORED THEM IN YOUR ART? It´s the next chapter for a prosperous global society cryptocurrencies and the technology behind them are the tool
变，改变的过程很痛苦，但却很有必要。我觉得这 对我的作品而言，是一个非常有趣的概念。 加密货币作为一个主题有什么吸引人之处？您是如 何在您的艺术作品中探索加密货币的？ 加密货币将重新开启一个繁荣的全球社会，加密货 币及其背后的技术正是实现这一目标的工具。上次
to achieve this. After the last exhibition of my art at the Malta AI
& Blockchain Summit I got the chance to listen to some of the
leading thinkers in that field, which piqued my curiosity. That
interest has materialised in my artwork.
Q&A 问答 CATAGORY
#AIBCsummit | 75
IN THE LAST ISSUE OF BLOCK WE WROTE ABOUT AN AI PROJECT
“ There is no censorship in art. There is only controversy ”
THAT WAS PRODUCING ITS OWN ARTWORKS BASED ON THE WORKS OF ARTIST MARK MALLIA – DOES THIS WORRY OR INSPIRE YOU? It´s provocative and Mark, as an established artist, pushes himself and his ideas further and further. Of course, I find myself inspired by his choice of creative freedom. WHAT DO YOU THINK ABOUT PROJECTS LIKE OPENBAZAAR THAT ARE USING CRYPTOCURRENCIES TO CREATE THE ABILITY TO SPECIFY PRICES IN FIAT, ALLOWING PSEUDO-ANONYMOUS TRADING WITHOUT CENSORSHIP AND WITHOUT THE RELIANCE ON MIDDLE MEN LIKE GALLERIES AND INSTITUTIONS? There is no censorship in art. There is only controversy. So I think the project you mentioned is not as relevant for art as it is for the concept of decentralisation. The artist has a choice and that is what counts. THERE HAS ALWAYS BEEN A LONG AND COMPLICATED RELATIONSHIP BETWEEN MONEY AND ART – HOW DO THEY INFLUENCE EACH OTHER? I find it rather uncomplicated. People buy art and rich people buy more art. When art becomes solely a commodity rather than a collectible it will become unappealing to the idea of art. I still prefer to sell a painting as opposed to keeping it. My agenda is geared towards moving and not standing still.
在上一期的《区块（Block）》杂志中，我们报道了一个基于艺术家马克·马 利亚的作品自行制作艺术作品的人工智能项目，这会让您担心或者激励您 吗？ 这是一场挑衅，马克是一个成熟的艺术家，他会不断提升自己和自己的想 法。当然，我也从他所选择的创作自由中获得了灵感。 像OpenBazaar这样的项目，利用加密货币来制定以法定货币为单位的价 格，允许伪匿名交易，且没有审查，无需依赖画廊及机构等中间商，对此， 您怎么看？ 艺术没有审查，只有争议。所以我认为你所说的项目，与其说和艺术相关，倒 不如说和去中心化概念更加相关。艺术家有选择的权利，这才是最重要的。 金钱和艺术之间一直存在着漫长而复杂的关系，它们是如何互相影响的呢？ 我觉得很简单，人们要购买艺术品，有钱的人买得更多。当艺术作品仅仅是 一件商品而不是收藏品时，它对艺术理念毫无吸引力。我还是喜欢把画卖出 去，而不喜欢将它收藏起来。我的目标是不断向前，而不是停滞不前。
WARHOL AND BANKSY HAVE BEEN KEY FIGURES IN THE ART WORLD WHEN IT COMES TO CONVERSATIONS ON THE PERCEIVED VALUE OF MONEY AND THE WAY IT SHAPES SOCIETY– DO YOU SEE ANY PARALLELS
BETWEEN THEIR WORK AND YOUR OWN? You are right, as both artists are fundamental ambassadors of popular art within their zeitgeist. There is also a huge difference. Warhol was mainly an artist for the bohemian rich, while Banksy started as a graffiti artist, so Banksy´s art was intentionally for freedom. ARE THERE ANY CURRENT ARTISTS OUT THERE AT THE MOMENT WHO HAVE CAUGHT YOUR EYE? Of course. Too many to mention, but you definitely should check out Revok, Joakim Ojanen, Lisa Ericson, Tom
当谈到金钱的感知价值以及其如何塑造社会时，沃霍尔和班 克斯一直是艺术界的关键人物，您认为您的作品和他们的作 品有什么相似之处吗？
Badley, Retna and so on...
DOES GRAFFITI STILL PLAY A BIG ROLE IN
Graffiti is typography. Sometimes rather cryptic to read but
it’s readable. In my opinion it’s the perfect tool for combining artistic freedom with a message. It’s my genre - forever. THERE’S A SENSE OF IRONY ABOUT CREATING VALUE OUT OF DESTRUCTION (TAKE BANKSY’S SHREDDED
当然有，而且多到说不完，你可以去了解一下Revok、Joakim Ojanen、Lisa Ericson、Tom Badley以及Retna等等。 涂鸦仍然是您作品中的重要部分吗？
ARTWORK DOUBLING IN VALUE). YOU OFTEN DESTRUCT
MONEY TO CREATE YOUR ARTWORKS – DOES THE
RESULTING CONVERSATION THIS PROVOKES HAVE
MORE VALUE THAN THE PHYSICAL PIECE ITSELF?
从毁灭中创造价值颇具讽刺意味（以班克西破碎的艺术品价 Of course. Banksy shredded his artwork to destroy it and
not to raise its value. My intention is the same but I don’t
stop there. I use my money as a tool to tell my story. The value of money is only found in believing in the story of
money. Make your choice.
WHAT UPCOMING PROJECTS DO YOU HAVE IN THE PIPELINE? Cryptoart is creating its own growing genre, so I am
钱作为讲述故事的道具。只有相信金钱的故事，才能发现金 钱的价值，所以你要做出选择。 您即将要开展的有哪些项目？
fascinated by the huge interest from so many countries.
My crypto paintings will also soon be accompanied by
sculptures I am currently working on.
#AIBCsummit | 77
THE EDGE OF A KNIFE 刀锋危机 刀锋危机
REAL WARS ARE FOUGHT ON THE BATTLEFIELD WITH WEAPONS AND AMMO. COMMERCIAL WARS ARE FOUGHT WITH TARIFFS AND CURRENCIES. AS THE US MOVES AWAY FROM THE DECADES-LONG “STRONG DOLLAR” APPROACH, POLICY MAKERS FROM EITHER SIDE OF THE POND HAVE NOW BEEN PLACED IN THE LINE OF FIRE FOR SUPPOSEDLY DRIVING DOWN EXCHANGE RATES IN ORDER TO GAIN A COMPETITIVE ADVANTAGE. 真实的战争在战场上以真刀真枪为武器。商业战争以关税和货币为武器。随着美国摆脱长达数十年 的“强势美元”战略，大洋两岸的政策制定者不得不置身于压低汇率的战场，以获得竞争优势。
BY CHRISTOPHER ATTARD, SIGMA GROUP HEAD OF MEDIA OPERATIONS
fter the 2008 financial crisis, foreign exchange
The PBOC then released a statement saying that it “has
wars have simmered under the surface, even
accumulated rich experience and policy tools, and will
though nobody wants to admit they are waging
continue to innovate and enrich the control toolbox, and
one. For instance, quantitative easing stemming from
take necessary and targeted measures against the positive
unconventional central bank monetary policies have been
feedback behaviour that may occur in the foreign exchange
actively changing the size of various fiat-currency supplies
market.” This was seen as an official announcement by the
and their rate of growth. The most famous frenzy of
Chinese central bank that it remains committed to defend
competitive devaluations came during the great depression
its interests on the currency front.
in the 1930s as countries ditched the gold standard that pegged their currencies to the metal’s value. ESCALATING TRADE WAR Barely a couple of months ago, the “nuclear option” was trending on financial news outlets, where China was gearing
“ 2019 was the year political posturing on either side transformed into action ”
towards possibly generating a massive debt crisis in the US by triggering a US treasury holding sell off.
Shortly after, neither the International Monetary Fund
Indeed, in a drawn-out series of disputes and escalating
nor the World Trade Organisation supported the initial
tensions, the US accused China of mobilising its currency,
accusation, opening the US up to international legal
the Yuan, to gain the upper hand in trade – labelling China
sanctions if it were to unilaterally hit China with retribution
a currency manipulator, and roiling financial markets in the
on that basis. Naturally, given that the US is over a third of
process. The trade tariffs saw China’s Yuan hit nearly as low
the world’s GDP, the global economy would inevitably get
as $7.05, the weakest level since April 21st, 2008.
dragged into this – possibly while kicking and screaming.
认他们是发动战争的一方。例如，源自非常规央行货币政策的量 化宽松政策极大地改变了各种法定货币供应量及其增长率。最著 名的竞争性贬值狂潮发生在上世纪30年代的大萧条时期，那时各 国抛弃了将其货币与贵金属价值挂钩的金本位制。 不断升级的贸易战
#AIBCsummit | 79
A BLEED-OUT EFFECT
2019 was the year political posturing on either
side transformed into action as the world’s largest
economies weaponised their respective economic
tools to trade blows. Consequently, the trade
war morphed into a currency and economic war, which is to say among other things that no trade
deal will be established before the 2020 American
Recently, the US President said he would raise tariffs from 25% to 30% on $250 billion in Chinese
products, and would increase tariffs on the
remaining $300 billion in goods from 10% to 15% –
some of which went into effect in September. The POTUS also blamed China for not buying enough US agricultural goods and for failing to stop the flow of fentanyl, an addictive opioid, into America. Additionally, the debacle also spread to include US allegations against China which is ostensibly
判都未能结束僵局；随着时间的推移，紧张局势不断升级，各种因素可 能在2020年将全球经济拖入衰退的泥潭。 比特币的情况 虽然最初争议的重点是贸易和外国投资，但货币也不可避免地遭到拖
stealing trade secrets and forcing foreign
companies to hand over sensitive technology.
In the interim, the sliding Yuan, trade tariffs on
Chinese imports and other market pressures have
slowed down the Chinese economy as the world’s
two largest economies lock themselves in a trade
war. Twelve rounds of talks have thus far failed to end the deadlock; all the while drawn out and escalating tensions begin to set the stage for the global economy to potentially reach recession territory by some time in 2020. THE CASE FOR BITCOIN While the initial focus was on trade and foreign investment, the dispute has also dragged currencies into the mix. Business leaders have pointed out that this “trade war” could last for years, with the implications, sub-plots and complex national idiosyncrasies making for an eventual crescendo from which a winner will invariably emerge. Meanwhile, the Internet is gearing towards taking up a revised vision of the liberal nation-state. On the one hand, the Internet has enabled people to transcend group loyalties, while on the other hand, it has caused a backlash from old-guard defenders of hard-line state control.
For instance, the digital surveillance and clear
authoritarianism stemming from Beijing coupled with
the militaristic rhetoric and bluster from US authorities
as well as sustained expectations of a looming world economic crisis are more than enough reasons to set off alarm bells for those paying attention.
“ The vital bulwark against centralised control of decrepit banking systems, untrustworthy tech behemoths and wayward governments is real; and it’s called bitcoin ”
货币贬值、种族冲突或有形资产贬值并不是新鲜事物，早已为人们所熟 知。事实上，为对抗控制欲过强的政府和政权的外部影响，人们发现古 老且保值能力得到公认的黄金是最佳对冲品之一。不过这一次，寻求对 冲此类威胁的公民可以选择一种数字替代品，也是更贴近互联网一代的 产品。
“这是对抗陈旧的银行系 统、不值得信赖的技术巨头 和任性的政府的集中管制的 桥头堡——它就是比特币” 这是对抗陈旧的银行系统、不值得信赖的技术巨头和任性的政府的集中 管制的桥头堡——它就是比特币。除了支撑货币无可辩驳的数字稀缺性 的保值原理和不可变性技术之外，比特币的网络和原动力效应使其成为 最佳的数字对冲品，足以应对最近的未来可能发生的黑天鹅事件。
As is common knowledge, currency debasements, ethnic conflict or hard-asset devaluation aren’t at all new. Indeed, gold’s ancient and widely recognised store of value has often found itself to be one of the best hedges against outside influences of overzealous governments and regimes. However, this time around, citizen’s seeking a hedge against such threats have a digital alternative, one that is arguably more appropriate for the Internet generation by a mile.
The vital bulwark against centralised control of decrepit banking systems, untrustworthy tech behemoths and wayward governments is real; and it’s called bitcoin. Aside from the store of value argument
and the immutable technology that underpins the currency’s irrefutable digital scarcity, bitcoin’s network and prime mover effects make it the most reasonable digital hedge against a probable black swan event occurring in the near future. While a major risk lies in the possibility of global regulatory backlash against the currency, the censorship-resistant currency was built with antifragility in mind, which is to say that in theory, it should gain more strength as volatility increases.
#AIBCsummit | 81
S PAC E TO G R OW Join over 2,000 delegates at the inaugural Medical Cannabiz World to discuss legislation, education, investment, and technology in this exciting business sector. Showcase your products at the expo and network with top global industry professionals. Malta may be small in size, but itâ€™s big on potential. Next stop Asia! Weâ€™re launching Medical Cannabiz World Asia in 2020. Join us in Bangkok on 22-23rd June and explore the huge potential this up-and-coming marketplace has to offer.
MALTA 4-5 NOV 19
BANGKOK 22-23 JUN 20
FEATURE 专题报道 CATAGORY
FLYING THE FLAG FOR BLOCKCHAIN 扬起区块链的大旗
DAVID GALEA AND BRENDAN MCKITTRICK ARE LONG-SERVING VETERANS OF THE AVIATION IT INDUSTRY. THEIR PORTFOLIO OF EXPERIENCE HAS SEEN THEM WORK CLOSELY WITH AIRLINES TO HELP THEM IMPROVE THEIR REVENUES, REDUCE THEIR COSTS, AND TRANSFORM THEIR CUSTOMER EXPERIENCE – 3 TENETS THEY SOUGHT TO BRING TO THE AEROBAND BRAND AFTER A CHANCE ENCOUNTER LAST YEAR. KATY MICALLEF CATCHES UP WITH THEM AHEAD OF THEIR NOVEMBER LAUNCH.
大卫·加利亚（David Galea）和布伦丹·麦基特 里克（Brendan McKittrick）可以说是航空IT领 域的专家了。凭借着两人的经验，他们与航空 公司密切合作，帮助航空公司提高收入，降低 成本，改善客户体验。这也是他们去年偶遇后 一起成立Aeroband品牌后所追求的三项原则。 凯蒂·米卡莱夫（Katy Micallef）赶在他们11月 的发布会前对他们进行了采访。
基特里克（Brendan McKittrick）在航空产业改革方面有着崇 eroband founders, David Galea and Brendan McKittrick have
some lofty ideas when it comes to revolutionising the aviation
industry. Their combined experience in the aviation industry
resulted in instant synergy, which helped bring about their vision to improve the lot of stakeholders in the industry, not just for airlines but all players. And as Brendan says, it was a ‘really enjoyable’ process. “I wanted to do something a bit more focused, a bit more agile and at the cutting-edge of technology. Starting a company with David was absolutely perfect; it’s just been all pleasure since then,” says Brendan.
景，这些利益相关方不仅仅只是航空公司，而是所有的参与 者。正如布伦丹所说，这是一个“非常享受”的过程。 他说，“我想做一些更专注、更灵活而且处在技术前沿的事 情。和大卫一起创办公司绝对是完美之举，创办公司后，一切 都挺好。” “我们有着同样的愿景，而且我们知道我们可以实现这个愿
“We both had the same vision, we knew we could do this, we know there’s
a gap, and we both had the same idea to fill it. What I was missing he had
and what he was missing I had,” explains David.
#AIBCsummit | 85
After a spell working in a couple of different industries in the late nineties, Brendan made his way back to aviation but was struck by how nothing had really changed, the same problems being faced by the airlines were still there – in fact the problems were getting more acute. IATA’s data on the sale price for an airline ticket in 2019 illustrates just how badly airlines are losing out. On average, the going rate for a ticket is $188, of which $47 (21%) is allocated to fuel, $47 to labour costs, $91 (55%) to all other costs and a final 3% to profit. The airlines take the full weight of the risk management in the aviation space; they take the full risk of the asset cost, which starts with the $200m aircraft. “There’s a lot of people making money in the aviation industry along the chain – but it’s not the airlines,” says Brendan. Brendan and David believe blockchain technology allows you to do things differently. In this industry it’s hard to for airlines to share their information as big operators have positioned themselves in the middle to be the brokers of that information and while some of them do a good job, they keep the airlines siloed and end up taking the lion’s share of the profit, which means the airline doesn’t get much at the end and has to invest further funds into administering and reconciling the transactions that go through all the applications they buy. “The airlines themselves are looking to deal directly with their customers and they’re also looking to collaborate, so if you can build a blockchain which stores all the pertinent information required to run an airline, to create an application to act as trusted
“ Part of what we’re doing is creating a blockchain which is eventually owned by the community, controlled by consensus, and serves the community ”
agents between the airlines, you can stop this whole industry of double checking. Airlines could settle debts directly between each other and reduce conflict, while cutting out the middle-man. This could reduce cost on many different fronts. For example, Cargo companies could track parcels through a very reliable trusted network, where the consumer can see the information is verified and guaranteed and cannot be changed because it’s immutable and time stamped. Part of what we’re doing is creating a blockchain which is eventually owned by the community, controlled by consensus, and serves the community
– we think that’s an important component of
this. What happens with the middle players in
a natural capitalistic way is that it’s become
self serving and the airlines themselves do
not benefit in the way they should.
What you have at the centre is a blockchain; it doesn’t have a CEO or staff, just an autonomous running blockchain which will use smart contracts that were created by the industry, for the industry. Agreements to execute or share value will allow real time movement of value without having to have
they’re paying three times for a simple job that three different people are doing. What
the relationship as well,” says Brendan.
paying money they really shouldn’t be,
they have don’t change so they’re constantly
foreign exchange currencies - so it simplifies
years, in the airline industry the processes
businesses have become efficient over the
multiple accounts all over the world and
“The picture is so big”, opines David. “While
元的飞机开始。“除了航空公司，也有很多其 他人在这条航空链上赚钱。”布伦丹说道。 布伦丹和大卫相信区块链技术可以为我们开辟 新的途径。在这个领域，航空公司间很难相互 共享信息，因为在他们中间还隔着一些大型运
“我们目前进行的部 分工作是打造一个 最终归社区拥有的 区块链平台，由社 区共同控制，并为 社区服务”
change the way they do business - taking
that expensive last part of the process onto
the blockchain which makes it far cheaper
in the operational mode, hence boosting the
we’re trying to do is not change the world but
very meagre profits.” BY THE PEOPLE, FOR THE PEOPLE As David explains, they’re building a community and the ID3 thought process is
“航空公司本身很希望和客户直接交易，他们 也愿意合作，所以如果你可以打造一个区块 链平台来存储运营航空公司所需的所有相关信 息，创建一个应用程序来充当航空公司之间的
key to creating that momentum. In this case
there’s no such thing as too many cooks. By
getting at least three different peers to give their input you can avoid software that has been built according to individual nuances. ID3 enables the right combination of
航空公司可以彼此之间直接结算债务，减少冲 突，同时省去了中间人，这样可以在很多方 面降低成本。例如，货运公司可以通过一个非
requirements to come together and create
something that will cover the needs of all
other stakeholders in the industry. Each of
the 3 peers who create a project have to
sign up for a minimum amount of years to
要做的不是改变世界，而是改变他们开展业务 的方式。那就是将业务流程最后的部分，也是 成本最高的部分转移到区块链平台上，在这种 运营模式下，他们的成本会降低很多，从而也 可以增加原本微薄的利润。” 取之于民，用之于民 正如大卫解释的那样，他们正在建立一个社 区，而ID3思维流程就是创造这种动力的关键 所在。在这种模式下，就不会出现太多人做同 一份工作的情况。通过让至少三个不同的同行 给出他们的输入信息，您可以避免带有个人色 彩的软件。ID3算法可以使得需求正确地组合 在一起，创建出可以覆盖行业内所有其他利益
use it. This means that we can show what
the return on investment will be before the
project even starts, giving investors of that
project an up-front and very realistic view of
the return on their investment.
有一个实际的了解。 Issue 3
#AIBCsummit | 87
“Once that application goes onto the blockchain, it doesn’t matter who invested in it or built it, they all get their fair share back. The idea is three will get together and create an application on the blockchain which all the other airlines can rent. Instead of paying to build it again, they just use that existing application and pay a transaction fee going forward. The process can then be repeated with different groups, creating a blockchain for all. That’s how we create a community.” Aeroband doesn’t just run on any old blockchain however, through a partnership with Holochain they have avoided the limitations of a classical blockchain – such as low transaction rates. “When dealing with the aviation industry you’ve got to deal with very high transaction volumes and real time processing. Classical blockchain was not an option for us, and we didn’t have time to wait for someone to work out a way to make it catch up. “Holochain sets out not to replicate the classical blockchain but uses a distributed hashtable, so rather than having a full copy of the entire ledger on every single node, it shards and distributes the ledger across the entire network- so the network is not delayed by huge amounts of consensus or laboured by updates. We’re very happy with our choice and we believe we’ve chosen the right distributed ledger. As the network grows the efficiencies get better, the performance more robust – all the things that are important to us. “At the moment we’re running a proof of concept in house with Holochain on a controlled closed network, and we are overjoyed at the results. 50,000 transactions a second out of the box is exemplary against any yardstick you wish to measure it against. We believe we have ticked the boxes and are confident we will have the most secure and fastest Aviation Industry Blockchain in
“ The idea is the blockchain should be irrelevant - it does a job and it does it well, letting you focus on the business ”
the world bar none on our launch.” Besides the AEROBLOC, Aeroband has another arm to its operations – AeroLabs, which is an incubation software development house and testing centre. AeroLabs is the working space where either new apps are built or ones that are being converted are tested before they go live on the AEROBLOC. YOU’RE LAUNCHING AT OUR SUMMIT IN NOVEMBER... “When I was there, there was a good buzz in the air. There were a lot of services around with a well thought out road map for start-up companies. I thought the legislation
was excellent; indeed the Oxford University
blockchain course I attended lists Malta as
the leading legislation in the world which
made it even more attractive to me. David
also lives here, so it was an easy decision to
make Malta the spiritual home for Aeroband,
and when David mentioned the actual conference and the content I was pretty excited about it,” says Brendan. David also emphasises that when it came to picking an event to work with there was no comparison. ” I know the management
付一定的交易手续费就行。这个过程可以由 不同的参与者重复进行，最终创造一个属于 所有人的区块链平台。这就是我们创造社区 的方式。” 然而，Aeroband并不只是在一个传统的区块
of AIBC personally, so I know what comes
with it. With AIBC Summit it’s not just about
putting a stand together; the company
makes the effort to introduce us to people in
the industry. It’s a good all round package,
which is what you need in the industry we’re
in. We are Aviation guys, so need all the help we can get in being introduced to the right
players in the blockchain spare. We want to
invite any companies who feel they’ve got
some input or interest in working with us to
let us know so we can marry them with the
WE DON’T TALK ABOUT THE
BLOCKCHAIN “The idea is the blockchain should be irrelevant - it does a job and it does it well, letting you focus on the business. What’s the business outcome you’re going to bring? It might involve blockchain to get to the outcome but we don’t talk about the
发展，效率会越来越高，性能也会越来越强 大。所有这些对我们来说都很重要。“目前 我们正在Holochain内部一个受控的封闭网络 上运行一个概念验证，我们对结果感到非常 满意。一秒钟达到了50,000的交易量，这个 交易量在任何尺度下都算得上是典范。我们 相信我们已经达到了这个标准，我们有信心
blockchain. We buttress that underneath
the solution by giving that value, that’s
what we bring to the table. The airline or the airport doesn’t need to be frightened by the new technology and the lack of knowledge – we bring that and just focus on the business outcome. “We’ve seen the stress on the airlines to improve productivity and costs - at the same time they’re charged with
除了AEROBLOC，Aeroband还有另一个部 门——AeroLabs，这是一个软件开发孵化器和 测试中心。AeroLabs是一个工作空间，无论 是新创建的应用程序或正在转换的应用程序在 AEROBLOC上线之前都要在这里进行测试。 您将于11月在我们的峰会上发布……
“我们认为区块链 应该是与商业成果 无关的。它完成它 的工作，做得很出 色，让你可以专注 于业务” 大卫还强调，当要选择一个与之合作的活动 时，马耳他人工智能和区块链峰会（AIBC） 是不二之选。”我个人了解这个峰会的管 理，所以我知道它能带来什么。在人工智 能和区块链峰会上，我们不只是站在一起， 还要努力让业内人士了解我们。这是一个很 好的全方位包装，也是我们处在这个行业所 需要的。我们是航空人，因此需要获取所有 可获得的帮助，让区块链领域的专家了解我 们。我们想请所有有兴趣与我们合作的公司 联系我们，以便我们可以为他们找到合适的 项目。” 我们不讨论区块链 “我们认为区块链应该是与商业成果无关 的。它完成它的工作，做得很出色，让你可 以专注于业务。你将带来什么样的商业成 果？获得成果可能会涉及到区块链，但我们 不讨论区块链。我们为解决方案之下的技术 提供支持，这就是我们带来的成果。航空公 司或机场不需要因为新技术和缺乏技术知识 而被吓倒。我们将提供相关的技术和知识， 你们只需要专注于业务成果。 我们已经看到了航空公司在提高生产力和改
transforming the user experience from
a very old staid demure model which is
very rigid to an agile easy moving model.
Blockchain makes life easy for everyone.”
每个人的生活都变得轻松。” Issue 3
#AIBCsummit | 89
TRUSTING IN TECH 相信技术 90
BY OLIVER DE BONO, COO FOR SIGMA GROUP
BLOCKCHAIN TECHNOLOGY HAS BEEN HOVERING ON THE EDGE OF THE TECH SPHERE FOR A NUMBER OF YEARS, BUT IT’S THE TEMPERAMENTAL CRYPTOCURRENCY, BITCOIN, THAT HAS GARNERED MOST OF THE LIMELIGHT. CRYPTOCURRENCIES ARE OFTEN SO INEXTRICABLY LINKED TO BLOCKCHAIN THAT FOR MANY IT CAN BE HARD TO TELL WHERE ONE ENDS AND THE OTHER BEGINS.
区块链技术已经在科技领域边缘徘徊多 年，但其中最吸睛的仍是瞬息万变的加密 货币比特币。加密货币往往与区块链有着 千丝万缕的联系，以至于我们很多人都说 不清他们之间的关系。 简而言之：比特币是区块链的一种，但不 完全等同于区块链。
PUT SIMPLY: BITCOIN IS A BLOCKCHAIN AND NOT THE BLOCKCHAIN.
CRYPTO FOR GOOD Despite their polarising nature and a reputation for volatility,
The Akoin ecosystem seeks to unlock and regenerate Africa’s fledgling economy by introducing a trusted cryptocurrency, bringing revenue-
加密是好事 虽然加密货币具有两极分化的特点，且以波动性大著 称，但它可以成为一股有利的力量。您可能会持不同
generating opportunities that support
and empower a new generation
of entrepreneurs and innovators
tech giant facebook’s much maligned
by elevating them out of a cash
foray into stablecoins, Venezuela’s
only environment. The potential to
attempt to circumvent economic
stimulate growth and provide for
sanctions, and other drama that seeks
economic stability in this emerging
to exploit the very qualities that make
continent is huge.
cryptocurrencies can be a force for good. You might be forgiven for thinking otherwise, especially after
them so appealing, such as ease of transfer and pseudonymity.
接给个人带来积极的改变。尽管这一行业仍面临一些严 We’re also addressing social impact challenges on a local level. As part of
Our partnership with Grammy-award-
our commitment to support the great
winning rapper and crypto-enthusiast
strides this country is making as the
Akon is a good illustration of their
Blockchain Island, we’re teaming up
potential to bring positive change
with environmental NGO Zibel, and
directly to the individual. While this
Bounties Network – a crypto-based
industry still faces some serious
reward network which has the power
challenges, it is undeniable that
to generate and ignite action on a huge
qualities such as transparency and
scale. Their pilot project, which trialled in
accessibility (especially to the under-
the Philippines, shows how good causes
banked and unbanked populations),
can also provide alternative incomes to
can lift the lives of some of the most
economies struggling to eke out a living
from decaying traditional industries.
现金交易的禁锢，获得更多创收机会。这将助力开启和 复兴非洲的新生代经济。这一新事物对刺激经济增长和 维持经济稳定的潜力是巨大的。
作为承诺的一部分，我们正在与非政府环境组织Zibel和 Bounties Network合作，后者是一个基于加密系统的供 需服务网，其用户群十分庞大。他们在菲律宾的试点项 目表明，好的利用还可以帮助那些落后的、濒临淘汰的 传统行业的从业者，为他们带来新的收入来源。 Issue 3
#AIBCsummit | 91
BUIDL THE FUTURE Blockchain technology often feels new, and that’s perhaps because its many use-cases are only now starting to become apparent. From KYC to AML, blockchain can be deployed to solve a number of issues. Businesses in the blockchain space are profiting from lessons learnt by the traditional
“ The potential to stimulate growth and provide for economic stability is huge ”
financial services and building financial crime compliance and protection into their systems. Block tech can cut the costs of
This is where blockchain technology really comes into
compliance by facilitating and validating transactions in an
its element; an ability to track the life cycle of a product,
expedited manner and reducing duplication of compliance
literally from seed-to-sale, makes it an invaluable tool for a
between financial institutions.
marketplace desperate for transparency and quality assurance. That being said, there is no system in place yet to analyse the
And as governments invest more into research and innovation,
great quantities of data blockchain brings in – and because the
it’s easier to see how comfortably it slips into everyday life and
truth of the data isn’t evaluated, the benefits of supply chain
business – and for some it can be crucial to their survival.
technology remain limited. The synergy between blockchain
Storing records on a ledger through projects like Building Blocks can return legal identities to document-poor individuals, helping
and other technologies, such as AI and IOT is crucial here if we are to make the most of what block tech has to offer.
them prove their qualifications, relationships and other assets.
The government of Malta is also introducing a proactive
Running off a private version of Ethereum, the project also
approach to emerging technologies, through initiatives like
allows refugees to pay for food using biometric authentication.
reformed rent laws, which will require the registry of rents on
Take the organic food industry - a health and environmentally conscious generation has embraced a philosophy that
the blockchain, and entities such as Tech MT which promote innovation in the tech industry.
embodies clean living, but with a high level of mislabelling and
We’ll be hashing out these ideas and more at the AIBC Summit
a thriving black market, it is understandable that consumers
in November, join us then and make your voice a part of the
have grown wary of the products they buy.
构建未来 人们总觉得区块链技术是新事物，可能是因为它的很多运用才刚开 始出现。从KYC到AML，区块链可以用来解决许多问题。区块链领 域的企业正在从传统金融服务的经验教训中学习，它们把金融犯罪
合规及保护纳入了其体系之中。区块链技术可以快速促成和验证交 易，并减少金融机构之间用于管理合规性的重复性工作，降低合规 性管理的成本。
通过诸如构建区块（Building Blocks）等项目将记录存储在分类账 上，可将合法身份返还给那些缺乏档案的个人，帮助他们证明自己
crypto winter is over, long live blockchain island !
BROUGHT TO YOU BY CORPORATE COMICS
MALTA BLOCKCHAIN SUMMIT
tha n for k you r our eadin g aibc malta s u mmi edit t i to s on. ee m con o re t ple ent ase to; go t.me / rate corpo com ics
BROUGHT TO YOU BY CORPORATE COMICS
LEADING THE PACK 96
把握先机 BY SOPHIE CROUZET, SIGMA GROUP EVENT DIRECTOR
AS MALTA CONSOLIDATES ITS POSITION AS THE BLOCKCHAIN ISLAND, THE CONTRIBUTIONS OF THE MALTA AIBC SUMMIT TO BUSINESS AND EMERGING TECHNOLOGY BECOME EVER MORE IMPORTANT. WE ARE WORKING TOWARDS DEVELOPING AND STEERING THESE CONVERSATIONS BY OFFERING EXPERTS ON DEEP TECH, ENTREPRENEURS, YOUNG MINDS AND ACADEMICS A PLATFORM WHERE THEY CAN SHARE THEIR KNOWLEDGE ON A GLOBAL STAGE.
随着马耳他作为“区块链之岛”的重 要地位进一步加强，马耳他AIBS峰 会对商业和新兴技术的影响也变得越 发重要。我们正致力于为深度技术专 家、企业家、年轻人和学者提供一个 平台，创造和引导交流机会，让他们 得以在全球舞台上进行知识分享。
ndeed, technology is moving faster than ever before – and so
we are moving with it. Two main Summits in Malta in 2019 ,
several road shows internationally (New York, Tel Aviv, Tanzania
etc..), our Manila Summit announced for June 7/8th 2020 - the coming months are set to be years of exceptional achievement and progress for the AIBC Summit. Earlier this year, the Spring edition of the summit aimed to be a stepping stone for the next big show – and it turned out to be a massive success despite a seemingly fragile market which could have gone either way. We decided to swim against the tide and focus on moving beyond the hype, while also helping to build real world value in this exciting new space. Clearly, stakeholders in both blockchain and deep tech agreed with us as they exchanged ideas and discussed opportunities with nearly 6,000 attendees.
了数次国际性的路演（纽约、特拉维夫、坦桑尼亚等 地），我们的马尼拉峰会也将于2020年6月7日至8日举 行——接下来的几个月将是AIBC峰会多年来取得的非 凡成就和进步的体现。 今年早些时候的春季峰会原本只是作为此后某个大型峰 会的预热，最终却取得了巨大成功，尽管市场看似还很 脆弱，有走衰的可能。但我们决定逆水行舟，把眼光从 炒作上挪开，从而致力于帮这个令人兴奋的新领域建立 起现实世界的价值观。会中，近6000名与会者交换了 意见并探讨了合作机会，这些区块链和深科技的利益相 关者们的观点明显与我一致。
Similarly, the Winter edition of the AIBC summit is setting itself up
to be very promising, with industry thought leaders like Anthony
Pompliano，Akon，Yorick Wilks，Bobby Lee等行业思
Pompliano, Akon, Yorick Wilks, Bobby Lee and a plethora of equally
worthy minds set to grace the stage this fall. The base formula remains the same: quality content focusing on emerging technology, opportunities and challenges coupled with a buzzing expo floor interspersed with lavish and casual networking events to facilitate business in and around these spheres.
这个舞台增光添彩。基本模式保持不变：保证内容的高 质量，专注讨论新兴技术，及面临的机遇和挑战，加上 热闹的世博会会场穿插着各种高端和休闲的社交活动， 将会促进这些领域及其周边业务的发展。
Naturally, it goes without saying that the Maltese government is
working around the clock to reaffirm its commitment to becoming
the Blockchain Island and the deep tech hub in Europe as it launches
several digitally innovative projects to lead the development
highway. To name a couple of examples, the government’s initiatives
to put both educational certificates and Malta-registered property
on the blockchain, as well as the government’s efforts to support business and cyber security via the Malta AI task force speak to
Malta’s determination to continue to lead the way.
#AIBCsummit | 97
FEATURE 专题报道 CATAGORY
Embedded within these initiatives is the steadfast idea to
Deep tech and innovation requires significant
be the first to regulate and push compelling innovation to
investment and has a major economic and social impact.
the forefront of these diverse industries. Our drill-down
This global approach is set to be echoed at the summit
“ We decided to swim against the tide and focus on moving beyond the hype, while also helping to build real world value in this exciting new space “
content will be covered
as investors and VC’s from Asia and the US save the
via our workshops, which
dates for the Malta AIBC summit Winter edition. Both
among other things
our networking events and content strategy reflect this
will focus on quantum
move in a bid to jumpstart our already highly popular
technology, cyber security,
start-up initiatives, where we push the entrepreneurial
AI & BC for education as
ecosystem by offering 100 innovative start-ups a free
well as healthcare. The
exhibitor’s booth at the summit.
idea is to build a space for academia, business and
All the while, we’re also working on the Manila AIBC
entrepreneurial minds to
summit of next year, where we translate our expectations
flourish and intermingle
of continued growth in the Asian market into action.
as we work to close the
Blockchain, artificial intelligence, medical technology,
knowledge gap between all
as well as venture capital building will be a big focus,
complimenting developments in the Asian landscape.
On the flip side, the main-stage is set to feature high-
This multinational approach speaks to the size and scope
level content and ground-breaking ideas which reflect
of the summit and the government’s perspective, both of
the reality on the international stage as we shine a
which have demonstrated their commitment to pushing
light on the latest news, trends and disruptive tech like
the envelope and leading the pack time and again.
decentralised governance, digital identity, blockchain in
Indeed, the future is bright, and we’re more than happy
the space industry, web 3.0, edge computing and so forth.
to light the way.
“我们决定逆水行舟，把眼光 从炒作上挪开，从而致力于 帮这个令人兴奋的新领域建 立起现实世界的价值观”
们将关注最新的新闻、趋势以及最前沿的技术，如去中心化治 理、数字身份、太空产业的区块链、Web3.0、边缘计算等等。 深科技和创新需要大量投资，并将产生重大的经济和社会影响。 亚洲和美国的投资者和风投人士都将在马耳他AIBC峰会如约而 至，届时他们将就这一全球性议题在峰会上作出回应。我们也在 策划的社交活动和峰会中反映了相对应的举措，届时将启动我们 早已非常火热的创业计划，我们将在峰会上为100家创新型初创
这种跨国参与的形式说明了峰会的规模和范围，以及政府的立 场，这两个方面都表明，他们在极力推动这一领域且 又一次把
#AIBCsummit | 99
TECHNOLOGY AND THE CONVERGING DIGITAL WORLD 技术和融合的数字世界
IAN GAUCI IS THE MANAGING PARTNER AT GTG ADVOCATES, AFILEXION ALLIANCE & CALEDO GROUP. HE LECTURES ON LEGAL FUTURES AND TECHNOLOGY AT THE UNIVERSITY OF MALTA. HERE HE WRITES ABOUT THE KEY ROLES EMERGING TECHNOLOGIES ARE EXPECTED TO PLAY IN A FAST-TURNING DIGITAL WORLD AND THE VITAL INTERPLAY NECESSARY FOR THEIR SUCCESS. Ian Gauci是GTG Advocates、Afilexion Alliance和Caledo Group的管理合伙人。他 在马耳他大学讲授法律的未来和技术。在本文中，他介绍了新兴技术在快速变化的 数字世界中所扮演的关键角色，以及这些技术为了取得成功的必要关键相互影响。
ith the Fourth Industrial Revolution now upon us,
functions, data collection and use, and ubiquitous access. The
we are living in a new digital world which according
IoT is a common example of technological convergence.
to Thomas Friedman has; (a) integrated circuits on
microchips, (b) memory units to store information, (c) networks
Emerging technologies, particularly AI, blockchain and the
that help to enhance communication, (d) software applications
IoT are expected to play key roles. However, such interplay of
that provide a direct link to consumers’ needs, and (e) sensor
technologies will rely on another important component, being, big
capacity that allows artificial intelligence to analyse most things
data. Data is the lifeblood of any business, and those that leverage
which were previously only accessible to the human mind.
its use will have a competitive edge over their competitors.
This revolution is the result of ‘technological convergence’,
With the amount of digital data available in the world growing
which can be described as the concept of merging, blending,
exponentially, we are witnessing the growth of a new digital world.
integrating and transforming independent and previously
Today’s world is full of all kinds of sensors such as cameras and
unrelated technologies such as the Internet of Things (IoT), Big
IoT sensors that collect and transfer all sorts of data to the digital
Data, robotics, Artificial Intelligence (AI), blockchain and Virtual
world. Moreover, the digital world provides ways for this data to be
Reality (VR). Joined together, a completely new technology
accessed and then utilised in the analog world. VR takes things to
is created, integrating the physical, digital and virtual worlds.
the next level, allowing us to actually step into this digital world,
Converged technologies possess three characteristics; multiple
interact with it as well as learn from it.
FEATURE 专题报道 CATAGORY
随着第四次工业革命的到来，我们生 活在一个全新的数字世界中。Thomas Friedman认为这个世界的特征是：(a) 微芯片上的集成电路，(b) 存储信息的 存储单元，(c) 加强沟通的网络，(d) 直 接关联至消费者需求的软件应用，以及 (e) 传感器功能，允许人工智能分析以 前只有人脑可以分析的大多数事物。 这场革命是“技术融合”的产物，也就 是合并、混合、集成和转换之前不相关 的独立技术，如物联网（IoT）、大数 据、机器人、人工智能（AI）、区块链 和虚拟现实（VR）。它们共同组成了 一种全新的技术，将实体、数字和虚拟 世界整合在一起。融合技术有三大特 点：多重功能、数据收集和使用，以及 无所不在的访问。物联网是技术融合的 常见例子。 新兴技术，尤其是人工智能、区块链 和物联网，有望发挥关键作用。但技 术的这种相互作用离不开另一个重要元 素，即大数据。数据是任何企业的生命 线，能够利用数据的企业将比对手更有 竞争优势。 随着全球数字数据量呈指数增长，我们 正在见证新数字世界的快速发展。当今 的世界布满了各种传感器，如摄像头和 物联网传感器，它们收集各种数据并将 其传输到数字世界。此外，数字世界提 供了访问这些数据并在模拟世界中使用 的方法。VR将事物提升到了一个新的 水平，让我们真正进入这个数字世界， 与之互动并从中学习。
#AIBCsummit | 101
The ultimate technology breakthrough can be seen when we leverage the integration of IoT, AI, fog computing, machine learning blockchain and big data. For instance, consider an autonomous car. With distributed and increasingly cost-effective AI engines, the vehicle can make decisions based on the massive amounts of high integrity, immutable on-chain data that is processed by fog nodes. Such technology envisages the possibility of an autonomous car that can intelligently and safely navigate with little to no human intervention, a feat that would not be possible with traditional data analysis and traditional computer and networking solutions. Technological convergence is so far reaching that it would be hard to find a business or human activity that is not considered as a target for AI in future years and decades. Technological convergence may spark a number of issues. Amongst these, converged technology may pose challenges to defining regulatory policies, roles, and responsibilities. Determining oversight jurisdictions and regulatory authorities for converged technologies may become complicated as the boundaries that once separated singlefunction technologies are blended together. Interestingly, EU lawmakers foresaw the emergence of technological convergence from as early as 2002, demanding convergence-aware regulatory treatment of telecoms, broadcasting, and information society services. The fusion of the digital
â€œ Regulation must adapt in order to avoid functional equivalence fallacies and inapplicable regulatory silos â€?
and physical worlds will undoubtedly bring about new risks, forcing us to redefine and change many of our laws and policies to mitigate such risks and foster the safe functioning
of the new digital economy. Harmonisation between different
end users. With such a dependence on the ubiquitous software
nations and their laws will also be fundamental.
elements, the regulatory focus should not focus exclusively on
In this converging new world, certain characteristics still have a ubiquitous scope. Firstly, certain software exists across a wide spectrum of devices, resulting in a modern society that
the new converged technologies, but also consider carefully the software used in sensitive cases, which effects human rights and which can affect the social fabric of our society.
largely relies on functions and features nascent from software
Regulation must adapt in order to avoid functional equivalence
across different sectors, and this in turn can be its Achilles
fallacies and inapplicable regulatory silos. To ensure
heel. Secondly, whilst it is undeniable that technological
technological transparency, coders and developers creating
transformation and innovation bring new features and
software falling in safety critical categories need to be warranted
functions nascent from merging technologies, the human
or licensed like other professionals in society. Software and its
brain and workmanship still underpin such functions and
functions and features will also need to be audited with means to
features. Moreover, even the end users of such technologies
identify and rectify fault, tested and certified. It is also imperative
are ultimately human. Thus, even in such new converged
that any input data used by software including big data is
technologies, any elements of ubiquitous software containing
ascertained and trustworthy. The trust element in a converged
perennial security issues will ultimately impact humans as the
digital world must start from here.
“监管必须得到适当的调整， 以避免产生功能对等谬误或 成为并不适用的监管孤岛”
据的集成时，最终的技术突破就会开始涌现。例如自动驾驶汽车。 借助分布式且性价比越来越高的人工智能引擎，车辆可以根据雾节 点处理的大量高完整性、不可变的链上数据做出决策。借助这种技 术，自动驾驶汽车有望在几乎没有人为干预的情况下智能安全地进 行导航，这是传统数据分析、传统计算机和网络解决方案无法实现 的壮举。 目前为止，技术融合的覆盖面非常广泛，很难找到未来几
技术融合可能引发许多问题。例如融合的技术可能对监管政策、角 色和责任的定义构成挑战。确定融合技术的监管辖区和监管机构的 过程可能会变得很复杂，因为将曾经单一功能技术分离的边界融合 到了一起。有趣的是，欧盟立法者早在2002年就预见到了技术融合 的出现，并要求对电信、广播和信息社会服务有意识地进行融合监 管处理。 数字世界和现实世界的融合无疑将带来新的风险，迫使我们重新定 义和改变我们的许多法律和政策，以减轻这些风险并促使新数字经 济安全运作。不同国家及其法律之间的协调也将是至关重要的。
类的头脑和工艺仍是这些功能的基础。而且，这些技术的终端用户 仍是人类。因此，即使是在这些新的融合技术中，包含长期安全问 题的通用软件中的任何元素最终都会影响作为终端用户的人类。由 于对广泛应用的软件元素的依赖，监管重点不应仅仅关注新的融合 技术，还应仔细考虑敏感情况中使用的软件，以免影响人权乃至整 个社会的结构。 监管必须得到适当的调整，以避免产生功能对等谬误或成为并不适用 的监管孤岛。 为确保技术透明度，应像对待其他社会专业人员一样 对开发重要安全类别的软件的编码人员和开发人员提供担保或许可。 还需要通过适当的手段审核、测试和认证软件及其功能，以识别和纠
#AIBCsummit | 103
Decentralized Culture Magazine
Our aim is to create and broadcast the blockchain culture What is ÁGORA?
Which are the main goals?
ÁGORA is the flagship community and magazine in Spanish where to educate and discuss in relation to the improvements and challenges that the blockchain technologies offer on decentralization, liquid democracy, education, freedom, privacy and transparency taken from a positive social impact on the commons.
The AgoraChain association is a non-for-profit organization and its main objectives are to create and broadcast the blockchain culture and paradigm along with the disruptive technologies across several media resources. It aims to establish and promote good practices between the projects derived from the use of such technologies, with special interest on blockchain.
How did it all begin? The project debuted in January 2018 with the first edition of the magazine along with the website and the Telegram groups and channels. On its first anniversary, the core team agreed to move forward and perform a full rebranding, including the name shortening from ÁgoraChain to ÁGORA, as well as propelling the partnerships and raising awareness among the Spanish speaking world population. Tell us about the ÁGORA magazine Rather than covering the news, the focus of the magazine, and hence its web blog, is placed on bringing insights and opening constructive debates around the challenges and proposals derived from these tools for financial freedom. The ÁGORA magazine is issued quarterly on digital support free for the community. Due to the growing demand, the magazine is also available on paper, both on meetups, shops and events, so as to further improve our audience reach, apart from the crypto niche.
Who is behind the project? Almost ten people are currently are highly involved in day-to-day work. All the workload of the association and the magazine is managed in an agile manner using several online tools and communication channels as we all live in different parts of Spain. On every new release we gather virtually to rejoice in good company and set up the procedures in order to keep improving. What are the future plans for ÁGORA? Latin America should have a clear and sound voice in the project. In that sense, we focus on strengthening the collaboration with their communities and learning from their huge potential. At the same time, we will keep spreading the word of blockchain between the wide Spanish-speaking community. Moreover, we will soon release a book about computer safety, published under the ÁGORA label, the first of many to come. agorachain.org
IN THE #AIBC ECOSYSTEM
#AIBCsummit | 105
The 8Pay protocol enables any private user or vendor, typically a merchant, to create a payment system whose parameters are clearly defined. An intuitive system ensures that merchants do not require any coding knowledge or familiarity with smart contracts to set up fixed, recurring and on-demand payments.
Aeroband seek to revolutionise the airline industry by improving revenues, reducing costs, and transforming customer experience. Leveraging the Holochain DLT they are building a unique blockchain called AEROBLOC, bringing transparency, efficiency and trust to aviation stakeholders and their customers. Through the use of innovative applications based on AEROBLOC airlines can reconnect directly with their industry peers and their customers, and retain revenues.
Algoz, a Fingenom Group company, specialises in the development of trading algorithms and the deployment of such algorithms in cryptocurrency markets. Since 2016 Algoz has been providing various financial solutions such as market making, brokerage and OTC to numerous, including some of the top-funded, crypto projects and leading exchanges.
AlphaPoint is a white-label software company powering crypto exchanges worldwide. Through its secure, scalable, and customisable distributed ledger platform, AlphaPoint enables customers to launch and operate markets, as well as digitise assets. AlphaPoint and its award winning blockchain technology have helped institutions discover and execute their blockchain strategies since 2013.
Amon.Tech is a multi-platform wallet that allows users to store, exchange, invest, spend, and lend traditional and digital assets assisted by our Artificial Intelligence system. We are creating a bridge between traditional and digital currencies.
Forming part of BDOâ€™s Global Network, BDO Malta is an endto-end corporate services & business advisory firm assisting companies in accelerating growth through exceptional client service. BDO is the first licensed Systems Auditor & VFA Agent.
BEQUANT is a leading cryptocurrency exchange based in London and Malta. Created by outstanding technical minds, experienced finance professionals and traders, BEQUANT specialises in servicing institutional investors and professional traders. Other services include prime brokerage, margin trading, crypto loans, OTC block trading, custodial services and co-location services.
BitCherry is the first distributed e-commerce network in the world, committed to empowering the traditional retail service industry through blockchain technology, and creating a new shared e-commerce super ecosystem.
#AIBCsummit | 107
BitDesk is a blockchain integrated marketing and consulting firm. With a diverse background in blockchain, PR and marketing, finance and technology, our team creates specialised marketing strategies for clients to accelerate their global expansion. Our services include: Global market expansion and localization, media relations, global events, roadshow and meet-ups, community management and KOLs.
BitTok is a global new digital asset management platform. Its core functions are storage, transaction and asset appreciation. It is an indispensable digital asset “smart housekeeper” for individual and institutional investors.
Tokenisation as a Service®: Black Manta Capital Partners® are a one-stop-agency for all technical, financial, and legal aspects of Tokenisation. We are a multi-STO platform, licenced by BaFin, in Germany.
Blockchain Advisory Limited is one of the very few Maltese advisory firms which has actively worked on past and present ICOs, STOs, exchanges, and crypto-funds. Its Managing Director, Jonathan Galea, and Partner, Anton Dalli, have been active in the field of blockchain and cryptocurrencies for more than ten years collectively.
Co-Founder & Managing Partner
DR. IAN GAUCI
BTCBIT is a reliable and convenient cryptocurrency exchange service provider and payment processor that delivers services in more than 220 destinations. The company has an impeccable reputation for striving for the pursuit of high ethical standards and quality of services to its customers the world over.
Caledo houses advocates, academics, technologists, policy and regulatory experts, economists, and security and fintech specialists, to provide its clients with an exceptional one-stopshop environment. In a world where developments in technology are constantly pushing the boundaries of laws and society, we believe that an interdisciplinary expertise is the lynchpin for innovation in our industry.
Founder & CEO
RAUL L. LAMBINO
Administrator and Chief Executive Officer The Cagayan Economic Zone Authority (CEZA) is a government-owned and controlled corporation tasked to manage and supervise the development of the Cagayan Special Economic Zone and Freeport (CSEZFP) attracting legitimate and productive local and foreign investments and creating employment opportunities. As an economic zone, it also aims to develop the whole area into a self-sustaining industrial, commercial investment, financial and tourism-recreational centre.
BEATRICE COLLECT Managing Director
Chiliz is a digital currency for sports and entertainment platforms. It fuels the world’s first scalable, tokenised voting platform, Socios.com where fans can buy, trade, and execute voting rights in their favourite sports teams.
CoinCasso is a democratic cryptocurrency, fully licensed, located in the European Union company. Our vision is to create the most efficient solutions for exchange service and trade platform, connected to the network of ATMs for users. As the first on the market, we give financial benefits to active members.
CoinField’s mission is to harness mass adoption of the cryptocurrency ecosystem by enabling people globally to have access to the crypto markets in a compliant, efficient, and secure manner. Our products include a professional trading platform, app, white label Exchange solutions and OTC desk for both individual and institutional entities.
CEO & Co-founder
CoinsPaid has been providing cryptocurrency payment services for businesses since 2014. CoinsPaid’s goal is to create the perfect processing ecosystem for businesses and an easy-to-use cryptocurrency wallet for users with an emphasis on security, reliability, and transaction speed.
The trusted crypto banking platform to the world’s leading wallets, exchanges, and retail partners. Cred has one of the most comprehensive insurance policies available on the market, including cyber hacking, E&O and regulatory coverage. The company is one of the fastest growing lending eco systems in the crypto community.
Director of Marketing
GORDON EINSTEIN Founding Partner
CryptoLaw Partners is passionate about crypto and blockchain law. Its legal practice includes working with startups, securities law, ICOs, fund formation, AML/KYC compliance, money transmitter regulation, jurisdiction selection, and related areas. The firm is dedicated to advancing the global state of the law and works with government regulators. Mr. Einstein, its founding attorney, frequently speaks and educates both in the United States and aboard.
MIHKAIL KVASNIKOV CEO
CryptoUniverse is a technological leader in Russia when it comes to implementing blockchain technology and digital economy development. The company is a national leader in providing cloud mining services and is the owner of the country’s largest mining center in terms of total area and power capacity.
Dash is a payments-centric digital currency that enables anyone to make quick, easy and cost-effective payments at any time, anywhere in the world, without going through a central authority. Based on a decentralised peer-to-peer network and secured by strong cryptography, Dash offers a safe and userfriendly payment method without barriers.
Digital Isle of Man is responsible for the thriving Digital sector in the Isle of Man, spanning the Island’s international e-Gaming industry, successful digital economy, and innovative digital media sector. Digital Isle of Man works with Government, private industry and key associations to create the right environment for the sector.
#AIBCsummit | 109
Drofa CA is an international communications agency established in 2010. We are working in the interest of fintech and blockchain companies, offering an integrated approach to communications, aimed at bringing real business value with tangible results. Our goal is to create perception, a public vision of trust that will act as a foundation for your successful future.
E&S Group is a boutique, multi-disciplinary practice based in Malta, with a track record in providing corporate, commercial, tax and trust and fiduciary services and with a strong focus in advisory services in relation to ICO and token offerings and other crypto related activities carried out in terms of Maltese law. In 2019, the Group established a Fintech division to be a key contributor and builder of the blockchain and Fintech ecosystem, handling banking and payment solutions.
With 50% of Bitcoin’s hashpower and an Ethereum compatible sidechain, Elastos is building the blockchain industry’s most comprehensive Web 3.0 platform. Elastos employs not only a main chain and sidechain architecture, but a peer-to-peer network, decentralised data storage services, a decentralised ID system and a community grant fund for projects to begin building on the platform.
EMD Advocates is a leading law firm based in Valletta, Malta servicing local and international operators in areas including blockchain, ICOs, STOs, iGaming, financial services, and tax amongst others. EMD is able to advise and assist in regulatory authorisation as well as provide on-going legal and regulatory advice and compliance.
VP of Development
FTI is a global consultancy, providing compliance services (including AML/CFT services and platforms) with emphasis on advanced analytics and pragmatism. Our goal is to help firms achieve compliance without sacrificing commercial competitiveness.
FunFair was created in 2017 by igaming veterans Jeremy Longley, Oliver Hopton and technology entrepreneur and investor Jez San OBE and has since expanded to become the largest and most experienced team in blockchain gaming. FunFair is the leading provider of blockchain-powered casino technology to the gaming sector.
SVP Business Development
Future1Exchange is an Institutional Grade digital asset exchange platform designed for both professional traders and retail investors. The platform allows users to buy, sell, and store digital assets. It is registered and licensed to provide cryptocurrency-tofiat exchange and wallet services. The conduct of its operations is covered by the Estonian law.
FutureBlock is a unique Blockchain startups investment and acceleration program. FutureBlock incubates and invests in Blockchain startups with proven business models. We provide deep operational support to startups and help them build market-leading Blockchain companies.
Founder & CEO
GanaEight Coin (“G8C”), part of the Ganapati Group, is leading the evolution of iGaming into blockchain. With experts in online casino, tech, finance and Japanese content, G8C is an unprecedented, transparent approach to creating value through blockchain, with a brand-new stablecoin and payment solution for the online casino world.
Gate.io is a global blockchain assets exchange platform. Established in 2013 and developed fully in-house, Gate.io enables blockchain enthusiasts to trade and store assets in over 200 of the leading cryptocurrencies. Gate.io sets itself apart by prioritising security and experience, providing users with quick and easy ac-cess to assets.
OLIVER LA ROSA
Globiance Limited is a private company, registered in the UK, offering exchange and trading of crypto and FIAT currencies, payment solutions and worldwide money transfers via its fully owned and licensed subsidiaries in Malta, Globiance Exchange Ltd and Globiance Payment Ltd. Globiance also plans to offer a trading platform for investors covering all traditional financial products.
At HooYu we offer the most innovative services for ID verification and investigation of people and businesses. Our range of services help operators to meet age and identity verification compliance, whilst delivering a smooth global customer onboarding experience.
Human Plus is a young South Korean company that strives to create a new global paradigm in blockchain based everyday economy via its human-centric payment solution called HUPAYX that aims to transform traditional payment infrastructure with all-in-one blockchain based cryptocurrency payment platform specifically designed for real everyday economy.
Indacoin is a cryptocurrency exchange and iOS/Android app that offers a unique ability to buy over 100 altcoins with Visa & Mastercard. Operating in the UK since 2014, its primary focus is to provide secure bank card payments and enabling other projects to sell their tokens instantly worldwide.
Head of Global Marketing
Business Development Director
Investment Evolution is a Malta-based company with its own IEC cryptocurrency coin/network and operates the IECX Malta cryptocurrency exchange. IEC cryptocurrency facilitates fast and free international payments to the Philippines by Filipino OFWs in Europe. We also provide cryptocurrency token creation/ exchange listing services and plan to offer cryptocurrency loans.
IT Legals Ltd (ITL) specializes in “Anti-Money Laundering (AML)” and “Counter-Terrorist Financing (CTF)” web applications and due diligence back-office services for the blockchain industry. ITL’s AMLEXA, is the first Artificial Intelligence Platform for the “Remote Customer Due Diligence”, that automates Identification, Risk Assessment and On-going Monitoring.
Founder & CEO
#AIBCsummit | 111
123, St. George’s Road, St. Julian’s, Malta
2000 sq.m of New, Highly Finished Office Space ...in the Heart of St. Julian’s
Offices finished to the highest standards and equipped with all necessary services and systems creating a modern, cutting-edge office space environment. Located in the central part of St. Julian’s/Paceville area, this office block sits right opposite Mercury Tower, overlooking planned piazza. This property is located just 2 minutes away from bus stops, 5 minutes away from closest taxi stand and within walking distance from prime renting localities such as Swieqi, Pembroke, Ibragg and Sliema. These offices are within Malta’s prime entertaining/nightlife hub.
Project Completion: 2020
Kaspersky is a global cybersecurity company, which has been operating for over 21 years. More than 400 millions users are protected and we help 270,000 corporate clients protect what matters most to them. Kaspersky deep threat intelligence and security expertise is constantly transforming into innovative blockchain solutions and services.
Kinanis represents a legal and fiduciary group of companies with 35 years of experience with offices in Malta, Cyprus and a representative office in China. The group is staffed with around 80 professionals, lawyers and accountants and has a business-oriented approach, providing proactive legal, tax, vat, regulatory and ICO consulting.
DENNIS MARK GAUCI
KPMG in Malta is a multidisciplinary firm committed to supporting clients in the emerging technology, DLT and AI spaces. It is a recognised systems auditor and one of the leading providers of tax, advisory and audit services, with a dedicated cross-functional team servicing Emerging Tech clients.
KSi Malta is a corporate and private client advisory, accounting, audit and tax firm providing a full range of financial, legal, and business advisory services to a diversified client base. KSi Malta is a member of Morison KSi, a global association of leading professional service firms, established to meet cross-border accounting, auditing, tax and business consulting needs of clients.
Head of the Innovation Hub
Listing.help is the largest agency in the market for listing on 100+ crypto exchanges and for IEO on 30+ exchanges. Over 400 listed projects, short listing timelines and prices 2-3 times lower than official only for Listing.help customers.
LUCKY.io is the worldâ€™s first-ever blockchain-based casino where players become the house by owning the platform tokens. It encourages the community to fully participate and, ultimately, run the platform by submitting and running their own games, validate transactions, participate in voting as well as other blockchain features that splits the ownership between different parties, based on their contribution. As a result, players gain even when they lose as the value of the token will be going up through liquidity.
Founder & CEO
Head of Community and PR
STEPHEN MCCARTHY CEO
MDIA is the primary authority responsible for supporting all governmental policies that promote Malta as the centre for excellence for technological innovation, while setting and enforcing standards that ensure compliance with international obligations. The Authority seeks to protect and support all users and also encourages all types of innovations, by allowing for maximum flexibility when it comes to the certification of Innovative Technology Arrangements.
Director of Business Services We provide smart solutions for business, combining the most powerful internet network in Europe with the most advanced mobile network to enable IoT capabilities. Our purposebuilt Data Centre provides high security, cloud services and connectivity whilst our dedicated support teams and our fully redundant international links keep your business running.
#AIBCsummit | 113
Sales & Marketing director
Founder & Chairman
Merkeleon specialises on ready-to-go Crypto Commerce & Trading Software and Premium technical Support for online business during the last 10 years. Our main products are 1st audited Crypto Currency Exchange software, Online Auction and Marketplace software, Crypto Processing and Payments solution.
MonetaPro is a B2B platform that operates as a sell-for-credit exchange. MonetaPro allows companies to list goods and services for sale at prices they determine. With MonetaPro, businesses can freely buy and sell goods and services to other businesses across all vertical markets & industries.
Network Society Lab (NSL) is a venture development advisory firm headquartered in Malta with offices in Argentina, Australia and the United States. It focuses on adding value to startup, early-stage, and growth companies that are based upon exponential technologies and decentralised networks, including blockchain and artificial intelligence technologies.
By accumulating 10+ years of experience, we built a compliant core banking solution using privileged blockchain ensuring credible data management with exceptionally high transaction rate and unmatched flexible analytical system which scales and expands with you. As a small group of IT, financial and legal experts, we are working relentlessly to help our business partners to find finance as a tool serving your needs.
Nuco.cloud (short of nubes computatrum) is a blockchain based distributed computing cloud developed by the Iron Eagle Capital GmbH. It is based on BOINC (Berkeley Open Infrastructure Network Computing), the scientific computing cloud of the University of California, Berkeley, and Gridcoin. As BOINC is only available for scientific research, the nuco.cloud opens it up for commercial use.
OVR is a World Scale, Augmented Reality platform powered by Ethereum Blockchain and Loom. OVR makes it possible for users provided with a mobile device or a smart glass to live interactive augmented reality experiences customized in the real world. OVR is a new standard in augmented reality where spaces, assets, and currency are fully decentralised.
Prifinance is a safe and legal way of funding your blockchain project. We will bring your start-up to a successful ICO, backing you team in every aspect. We have an extensive experience in obtaining licenses for the crypto exchange activity and are able to advise you about the legal status of cryptocurrencies in any country.
Company description: Prime Trust is a technology-driven financial institution, that as a qualified custodian provides FIAT and token custody, funds processing, AML and KYC compliance, and transaction technology for the new digital economy. Its mission is to provide exchanges, portals, platforms, brokers, investment advisors, stablecoins, and others, with smart API solutions to seamlessly meet the needs of their businesses.
Partner & COO
#AIBCsummit | 115
Head of Estonian branch Private Financial Services is a reputed and established player in the financial and legal services market, having its representative office in Estonia, Latvia, and Russia. In operation since 1998. As from 2015 we also provide legal services and licensing for crypto business. PFSER has assisted more than 70 crypto-projects all over the world.
DANIEL DABEK Founder
Safex is connecting the world through a decentralized marketplace embedded in the blockchain. Cryptocurrency and blockchain technology have enabled people all over the world to conduct trade in the process establishing the world marketplace. A decentralised community for ecommerce in the digital age.
Salamantex is a fintech and blockchain company based in Austria focusing on crypto payment solutions for merchants. The Salamantex crypto payment solutions can be used on their own developed payment terminals or can be integrated into existing POS systems, smartphones, tablets and online shops. Salamantex is also focusing on blockchain and crypto development, research and consulting.
Shift Markets provides cryptocurrency exchange software, brokerage trading technology, liquidity, digital asset listing and tokenisation services to a global clientele. Based in New York City since 2009, we have over 40 years of cumulative electronic trading experience and an extensive FX broker network across the world.
Founder & CEO
CEO & Co-Founder
MICHAEL STEEN PEDERSEN
SOHO Office Space is Malta’s largest serviced office and coworking network, housing more than 4500sqm of office space. SOHO’s third unique office location features a member’s café, lounge bar, and top of the art event space. Join us on our rooftop terraced bar, experiencing the prime SOHO community feel.
STOBOX is a full service provider for tokenization of investment assets based in Malta. We offer turnkey solutions to launch an STO including technological, legal and marketing service. Our clients are small and medium enterprises aiming to expand the geography of investors and gain awareness in investor communities around the globe.
Co-Founder & Director
AiliA SA is a Swiss company based in the canton of Zug, founded in 2014 as a consultancy and IT services company. Takamaka, founded in 2017, currently supplies services in the fields of information technology and innovation processes in the area of blockchain technology.
traceto.io is a decentralised Know Your Customer (KYC) network that provides an inclusive KYC solution to cryptocurrency and blockchain product companies, by fusing Smart Contract and Artificial Intelligence technologies. Leveraging on over 5 decades of experience in Compliance and RegTech, traceto.io’s vision is to bridge the gap between the real and virtual world KYC processes.
Chief Marketing Officer
#AIBCsummit | 117
FIRM PHILOSOPHY PRACTICE AREAS ICO, IEO, & STO Advising Regulatory
FIRM CONTACT: Partner: Josh Lawler
ROMAN POTEMKIN CEO
ANGELO DALLI CEO
Get paid in crypto and cash out in EUR with TRASTRA payment cards issued by VISA. You’ll get BTC, ETH, XRP, LTC and BCH wallets to send and receive cryptocurrency and a TRASTRA payment card for exchanging crypto for EUR and spending it in daily life or cashing out at an ATM.
Umnai is an AI focused solutions provider that is creating new AI technology that can explain itself and its decisions. Our ethical AI solutions assist people to achieve their full potential, rather than replacing them. Our emphasis is on achieving a positive social impact through creativity and innovation.
ROBERT ELLUL MICALLEF
Vistra is a market-leading provider of corporate services in 46 jurisdictions, focused on giving Blockchain & Crypto operators tailor-made solutions with a global approach. We offer regulatory and legal expertise, company formation & bank account opening services, ITO/STO, Tax Compliance, GDPR and Residence Services, as well as IT Consulting/Audit services (with our partners).
Vodafone has a long history of technological innovation. For many years, companies have looked to Vodafone to confidently connect them to the rest of the world. Vodafone Malta is the island’s leading telecommunications provider, delivering an unparalleled level of support and having been the first to launch 4.5G mobile data speeds locally in addition to boasting an unmatched 4G roaming footprint of over 130 countries.
Solutions & Innovation Senior Manager
Wallet Top Up is London based crypto currency startup offering custom branded gift cards. Its mission is to increase adoption of crypto currencies and promotion of crypto currency businesses.
WizKey is an Ethereum-based finance infrastructure to trade loans and invoice receivables, and to carry out structured finance transactions. With WizKey banks and enterprises are turning their receivables into secure and liquid tokens quoted on the global digital market to enhance their transparency, liquidity and their value. WizKey is the corporate gateway for finance transactions on the Ethereum blockchain.
Zilliqa is a high-throughput public blockchain platform that aims to make decentralised blockchains the building block of future enterprises and applications. Developed through academic research and helmed by a team of experienced scientists, engineers, venture creators and leaders in the financial services, Zilliqa addresses limitations in scalability and security, enabling real-world usability across a variety of industries, including finance, digital advertising, and gaming.
Zuber Lawler is a minority owned law firm specialising in public and private finance, mergers and acquisitions, securities law compliance, intellectual property, commercial litigation and regulatory compliance and white collar criminal defense.
Chief Evangelist & Co-Founder
#AIBCsummit | 119
MEDIA PARTNERS The mission of AI Time Journal is to divulge information and knowledge about Artificial Intelligence, the changes that are coming and new opportunities to use A.I. technology to benefit humanity. AI Time Journal promotes Artificial Intelligence initiatives that enable people with knowledge the tools to have an impact through A.I.
AMBCrypto is an independent cryptocurrency news publishing platform with a comprehensive ICO listing page, a dedicated real-time live cryptocurrency price ticker page and a blog section with a reach of over a million users worldwide. Conceptualised and brought to life in 2018, we are a young and vibrant start-up on an upward climb to the top. We take great pride in the fact that we are a nonfunded organisation and have seen exponential growth since inception. We are among the top cryptocurrency media portals in the world.
Asia Blockchain Review aims to connect all blockchain enthusiasts on a regional scale, facilitating the technological underpinnings of blockchain through a range of group discussions, technical workshops, conferences and consulting programs.
BeInCrypto provides an inside perspective on the latest trends in an emerging market while keeping our audience abreast of the hottest news, as it breaks. Each team member adheres to a strict set of journalistic principles and ethics in order to provide readers with only the highest-quality content.
Bitcoin Garden is a news site and discussion forum about Bitcoin, fintech and other applications of the blockchain technology. Launched in March 2013, since the very beginning Bitcoin Garden has always paid special attention to the world of alternative cryptocurrencies.
blockcast.it is a Chinese media focusing on blockchain related news and articles. We serve our contents to all Chinese regions including China, Taiwan, Hong Kong and Macau. Beginners to professionals are all our target audience, and our contents cover cryptocurrency investment to technical discovery.
#AIBCsummit | 121
Blokt is a leading tech, cryptocurrency, privacy, bitcoin, and blockchain resource. We provide the latest in breaking crypto news, cryptocurrency and privacy guides, price analysis, security tips, and industry tools.
In 2017, the Calvin Ayre Media group acquired and relaunched CoinGeek.com as a cryptocurrency news site with a focus on the technology of Bitcoin, now reborn as Bitcoin SV (BSV). We want to provide fair coverage of the entire cryptocurrency industry and highlight people and companies doing their part to live up to the true vision of the Satoshi Nakamoto whitepaper.
Bringing you news, analysis, opinion and insight from the fast-moving blockchain world. Our team of journalists and contributors cover the likes of cryptocurrencies, wallets, exchanges and ICOs across a wide range of sectors including retail, fintech, banking and gaming. We go beyond the press releases and marketing hype to tackle all the industry topics that matter.
Cryptimi.com is a professional digital currency review site. Cryptimi provides objective reviews and test each product thoroughly as part of the review process, only giving high marks to the very best. Easy to follow guides, investment opportunities, technical analysis & important news updates keep crypto enthusiasts active & informed.
NewsBTC is a news service that covers bitcoin news, technical analysis & forecasts for bitcoin and other altcoins. Here at NewsBTC, we are dedicated to enlightening people all around the world about bitcoin and other cryptocurrencies. We cover news related to bitcoin exchanges, bitcoin mining and price forecasts for various virtual currencies.
Share Talk produces its own Audio Podcasts, Video interviews, Question & Answer articles that cover all sectors of the investment markets. We publish informed discussions with various companies. This includes regular company updates, interviews with the Management teams and information from companies that we believe will offer future shareholder value.
The Times of Malta is an English-language daily newspaper in Malta. Founded in 1935, by Lord and Lady Strickland’s daughter Mabel, it is the oldest daily newspaper still in circulation in Malta. It has the widest circulation and is seen as the daily newspaper of “reference” of the Maltese press.
If you’re looking for a site where you can learn anything and everything about digital assets, then Wallet Investor is your best choice. We get you educated on the rudiments of cryptography and virtual coin investment.
The world of iGaming is evolving into blockchain
THIS IS THE G8C ERA Brought to you by iGaming industry pioneers, Ganapati, G8C is an unprecedented, transparent approach to creating value through blockchain. Introducing a brand-new stablecoin and payment solution for the online casino world.
www.ganapati.io firstname.lastname@example.org Issue 3
#AIBCsummit | 123