"支付時代5.0 以基於區塊鏈的全球支付系統為標誌，其中所有價值存儲均以數字資產的形式存在。"
7月30日14點，獵雲財經空中課堂第41期邀請到了B91項目的首席執行官恩裡克(Enrique)，他為大家帶來了精彩、有料的線上分享。本期活動主持人為獵雲財經商務總監張修滌。
修滌：大家下午好！我是獵雲財經空中課堂主持人張修滌商務總監，獵雲財經是獵雲集團下的垂直區塊鏈媒體，擁有多檔人氣品牌欄目，深度專訪文章也備受業界認可，線上、線下活動也定期舉辦。目前我們獵雲財經2019年的重心放在礦圈、交易所生態和DAPP上。接下來有請我們的主講嘉賓 Enrique。
請嘉賓向觀眾朋友們做一個自我介紹。
Please invite the guests to do a self-introduction for the audience。
Enrique：Sure! I'm Enrique, the founder of Zytech Group, an innovative tech startup in California and I am the CEO of the B91 project.
我是恩裡克(Enrique)，Zytech集團的創始人，一家在加州的創新型科技初創公司，我是B91項目的首席執行官。
I previously served as the Managing Director for Spitzer Automation, a market leader in Germany and China, and have a wealth of experience in the blockchain and renewable energy industries.
此前，我曾擔任斯皮策自動化(Spitzer Automation)的董事總經理，該公司是德國和中國市場的領導者,在區塊鏈和可再生能源行業擁有豐富的經驗。
01
構建支付生態系統
修滌：請嘉賓簡短地介紹一下B91。
Please invite the guests to briefly introduce B91。
Enrique：B91 aims to be a bridge between the crypto and the real world.
B91旨在成為幣圈和現實世界之間的橋樑。
Simply put, we are building a payment ecosystem with a series of DApps, powered by an innovative public chain for truly global, borderless payment.
簡而言之，我們正在通過一系列DApps 構建一個支付生態系統。這個生態系統將基於創新的公共鏈，用於真正的全球、無邊界支付。
The B91 wallet app allows users to make payments, earn and invest all in one app conveniently.
B91錢包應用程序允許用戶在一個應用程序方便地支付，賺取利率和投資。
B91 public chain system promotes performance-oriented innovation, self-governance, sustainable token economies and low barrier token economy participation.
B91 公鏈系統促進以績效為導向的創新、自我治理、低門檻以及可持續的通證經濟。
修滌：我們知道B91的業務比較豐富，其中就包括全球支付，那嘉賓是怎麼理解支付系統的5.0時代？
We know that B91's business is relatively rich, which includes global payments. How do our guests understand the 5.0 era of payment systems?
Enrique：The 5.0 era of payments is marked by a global blockchain based payment system in which all stores of value exist in the form of digital assets; to provide a secure, transparent and decentralized yet trusted gateway in enabling transactions for every aspect of our daily life.
支付時代5.0 以基於區塊鏈的全球支付系統為標誌，其中所有價值存儲均以數字資產的形式存在；提供安全、透明、分散且值得信賴的支付網關，為日常生活的各方面提供交易服務。
02
優勢在於用戶體驗
修滌：B91的金融公鏈與其他金融公鏈相比，優勢在哪裡？
What is the advantage of B91's financial public chain compared with other financial public chains?
Enrique：B91's public chain utilises the Super Node Proof of Stake (SPoS) system which provides incentives and hardware upgrades for Super Nodes, enabling them to continuously improve performance and support larger applications.
B91 的公鏈採用超級節點權益證明(SPoS) 系統，該系統為超級節點提供激勵和硬件升級，使他們能夠持續提高性能並支持大型應用。
In this economic model, the minters of the super-node can lease tokens from other token holders (through secondary smart contracts), from which they produce the blocks themselves, get token incentives, and then share them with the token holders.
在此經濟模型中，超級節點鑄幣時可以從其他通證持有者(通過輔助智能合約)租用通證，從中自己生成區塊，獲得令牌通證，然後與通證持有者共享通證。
While we like to say our advantage is our more advanced SPoS blockchain framework that improves upon the problems that it's predecessors PoW (Proof of Work) and PoS (Proof of Stake) face, our true advantage is far more simple: Our user experience.
雖然我們常說我們的優勢是我們更先進的SPoS區塊鏈框架，因為它改進了它的前身PoW(工作證明)和PoS(權益證明)所面臨的問題，但我們的真正優勢要簡單得多：我們的用戶體驗。
Our goal is to make our financial public chain accessible to anyone and everyone, with a strong focus on simplification and ease of use combined with our innovative core technology.
我們的目標是讓任何人和每個人都能夠訪問我們的金融公共鏈，並注重簡化和易用性，並結合我們的創新核心技術。
03
鼓勵用戶試用熟悉簡單產品
修滌： 我們也知道B91涉及錢包業務，B91的錢包和其他錢包有什麼不同之處？
We also know that B91 involves wallet business. What are the differences between B91 wallet and other wallets?
Enrique：The biggest difference from other digital asset wallets is that ours will be very similar in functionality, UI, and features to AliPay or WeChat Pay to encourage users to try out a product that is familiar and simple enough to use.
與其他數字資產錢包最大的不同是，我們的功能、UI 和功能將與支付寶或微信支付非常相似。這可以鼓勵用戶試用他們熟悉且使用簡單的產品。
We will also be launching a highly innovative multi-signature hardware wallet and Visa card that can be used together with the B91 wallet app to offer users more real-world functionality with our suite of services.
我們還將推出高度創新的多重簽名硬件錢包和Visa卡，可與B91錢包應用程序一起使用，通過我們的服務為用戶提供更多實際功能。
修滌：大家也知道錢包的安全性非常重要，前段時間，plustoken這款錢包跑路，讓用戶承受了巨大損失，一度對錢包失去信心，那麼B91錢包如何避免這一點呢？
We all know that security of the wallet is very important. Some days ago, we heard that the Plustoken Wallet circled the money and ran away, which caused users to suffer from huge losses and once lose confidence in the wallet. So how will B91 avoid this situation?
Enrique：Well, to be frank, Plus Token was a completely centralized private chain, in which the coin had no true value, was not being publicly traded, and was only usable within their wallet.
嗯，Plus Token是一個完全中心化的私人鏈，其通證沒有真正的價值，沒有公開交易，也只能在他們的錢包裡使用。
B91 token is far more than just a token to be used exclusively within our wallet.
B91通證遠不止是一個專門用於我們的錢包的通證。
It is powered by a fully decentralized public chain that will be fully open source and will enable any developer to implement our innovative payment technology in their products or services.
它基於完全去中心化的公鏈。這個公鏈將會是完全開源的，並使任何開發人員能夠在其產品或服務中加入我們的創新支付技術。
04
理財產品簡單易用
修滌：B91的理財產品都有哪些，收益如何？
What are B91's wealth management products? And what are their returns？
Enrique：B91's wealth management products are made to be simple to use.
B91的理財產品簡單易用。
Investors subscribe in B91 tokens and their funds are managed by a third-party professional team to ensure a stable return for our users.
投資者認購B91代幣後，他們的資金由第三方專業團隊管理。這樣可以確保我們的用戶獲得穩定的回報。
Currently, we are also partnered with various exchanges to offer the staking of B91 tokens to get returns ranging anywhere from 7%-10% with a 30 day lock in period.
目前，我們還與各種交易所合作，提供B91代幣的質押服務，30天鎖定期可以獲得年率7%-10%的回報。
We have seen tremendous success and met all of our targets, with over 2,000,000 B91 tokens being staked from our millions of token holders worldwide.
我們取得了巨大的成功，並實現了所有目標，全球數百萬代幣持有者持有超過兩千萬個B91 通證。
修滌：通過嘉賓的介紹，我們得知B91的幾大業務板塊，那麼這幾個業務裡面哪個是重中之重，業務之間又是如何協同的呢？
We learned about the B91's several major business segments according to guests' introduction. Then which of these business segments is the most important? And how will different business segments create synergies?
Enrique：Our basic three functions are divided into 9 key features, including our
- Universal Wallet, Global Payments, C2C (to make payments),
- P2P Digital Lending and OTC (to bring to the real world),
- Aggregate Trading Fund (to help earn with investments) as well as Tech Venture Fund, Financial Products, and Charity.
我們的3個基本功能分為9 個關鍵功能，包括我們的
- 通用錢包，全球支付，C2C(支付)，
- P2P數字貸款和場外交易(已將數幣帶到日常生活)，
- 綜合營運基金(幫助投資者獲利)以及科技風險基金、金融產品及慈善基金。
The 4 more important ones are the wallet, the payment system, the P2P lending and our suite of financial products.
4個較重要的是錢包，支付系統，P2P貸款和我們的金融產品套件。
While we will have full interoperability and synergy within the ecosystem, these 4 business segments will be the most synergistic and essential to the platform, since our primary focus is to pave the future of the 5.0 payment era and be the payment solution of the future.
儘管我們將在生態系統中擁有全面的互操作性和協同效應，但這4 個業務部門將是平臺最具協同效應和必不可少的部分，因為我們的主旨是為支付時代5.0 的未來鋪路，併成為未來的支付解決方案。
修滌：B91是如何看待監管的？
How does B91 view regulations?
Enrique：We view them as extremely important, but at times also cumbersome with a lot of processes and paperwork to go through.
我們認為監管非常重要，但有時也非常麻煩，因為需要完成大量的流程和文書工作。
Regulations can do a lot of good, helping make the market healthy and clean up all of the shady crypto businesses.
法規其實利多於弊，能保持市場健康成長, 並清理所有非法加密業務。
They tend to do more good than bad and through strategic partnerships and working with only the best compliance lawyers in the industry, we aim to be compliant in all jurisdictions in which we plan to operate.
通過戰略合作伙伴，並且只與業內最好的合規律師合作，我們將遵守我們所有運營地點所有的司法規定。
05
2020年底申請上市
修滌：B91有沒有上市的計劃，有的話，是什麼樣的？
Does B91 plan to go public? If so, what is the plan?
Enrique：Yes, we do. Our plan is quite simple.
是的，我們將會上市。我們的計劃很簡單。
Firstly, the credibility and financial support from B91 owners is the backbone that give us the strong foundation and resources our company needs.
首先，B91所有者的信譽和財政支持是為我們公司提供強大基礎和資源的支柱。
Secondly, key elements to ensure that our plan succeeds include partnerships with strategically strong companies that open up many markets and users for us as well as our focus on developing the best-in-class blockchain apps with some of the best brains in Silicon Valley who support our project.
其次，確保我們計劃成功的關鍵因素包括與戰略實力雄厚的公司合作，為我們開拓許多市場和用戶，以及與在於硅谷支持我們項目的一流開發人員為B91開發一流區塊鏈應用程序。
We are also preparing powerful marketing campaigns to build awareness, and on the backend, building strong wealth management products to attract and incentivize token holders.
我們還在準備強大的營銷活動，以增強知名度，並在後端建立強大的財富管理產品，以吸引和激勵通證持有者。
Our eventual goal is to build an extremely strong user base, with strong market capitalization and valuation, to meet the SPAC listing requirements and apply to be listed by end of 2020.
我們的最終目標是建立一個極其強大的用戶基礎，具有強大的市值和估值，以滿足SPAC上市要求，並在2020年底申請上市。
修滌：好的十分感謝enrique的精彩分享，接下來進入到自由提問環節，請大家一個個按順序提問，請嘉賓回答完每個問題後打OK示意結束。
06
社群提問
社群問題1：B91是否已可以在線下使用？
Community Question1: Can B91 be used offline?
Enrique: offline use. We will have offline, cold storage wallets, but the vast majority of our ecosystem will be online only, as blockchain technology in its essence requires a collective of computers.
我們將有線下的冷藏錢包，但我們的絕大多數生態系統只能在線上，因為區塊鏈技術本質上需要一組計算機。
社群問題2：會有什麼樣的適合的營銷活動？
Community Question 2：What marketing activities will be suitable？
Enrique: We will have a vast amount of marketing activities, including roadshows, ambassador programs, digital marketing campaigns, airdrops, merchandise giveaways, etc.
我們將進行大量的線上和線下的營銷活動，包括路演，數字營銷活動，空投和商品贈品。
社區問題3：B91的投資機構有哪些？
Community Question 3：What are the investment institutions of B91?
Enrique: The main investment institutions supporting B91 are A&Z Capital, LMP Finance SA, and BTC123, who are also our primary shareholders. We have successfully raised tens of millions of USD in working capital so far.
支持B91的主要投資機構是A＆Z Capital，LMP Finance SA 和 BTC123，他們也是我們的主要股東。到目前為止，我們已經成功籌集了數千萬美元的營運資金。
社群問題4：visa卡同時支持法幣和數字貨幣嗎？規劃什麼時候推出Visa卡？Visa卡有沒有地域要求？
Community Question 4：Does visa card support both legal currency and digital currency? When do you plan to launch Visa card? Is there any geographical requirement for Visa card?
Enrique: Regarding the Visa card, it is not yet ready, as we are finalizing everything with regulations and compliance in the countries we plan to operate in. It will be gradually rolled out in different countries in the coming weeks.
關於Visa卡，現在還沒有準備好，因為我們正在通過我們計劃運營的國家的法規和合規性來最終確定所有內容。但是，我們將在未來幾周逐步在不同國家推出。
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