Related papers: A Scalable Architecture for Electronic Payments
]A multichain non-fungible tokens (NFTs) marketplace is a decentralized platform where users can buy, sell, and trade NFTs across multiple blockchain networks by using cross communication bridge. In past most of NFT marketplace was based on…
Digital payment systems have become a cornerstone of consumer finance in Africa. Prominent payment categories include money transfer applications, mobile money, cryptocurrencies, stablecoins, and central bank digital currencies (CBDCs).…
Recently, blockchain has gained momentum as a novel technology that gives rise to a plethora of new decentralized applications (e.g., Internet of Things (IoT)). However, its integration with the IoT is still facing several problems (e.g.,…
The Democratic Republic of Congo is a sleeping giant at the heart of Africa. Though endowed with incredible natural resources spanning from significant reserves of gold, diamond, coltan, copper to vast African forests and impressive water…
Current digital payment solutions are fragile and offer less privacy than traditional cash. Their critical dependency on an online service used to perform and validate transactions makes them void if this service is unreachable. Moreover,…
In an ideal distributed computing infrastructure, users would be able to use diverse distributed computing resources in a simple coherent way, with guaranteed security and efficient use of shared resources in accordance with the wishes of…
Notarization is a procedure that enhance data management by ensuring the authentication of data during audits, thereby increasing trust in the audited data. Blockchain is frequently used as a secure, immutable, and transparent storage,…
A major drawback in deploying central bank digital currencies (CDBC) is the offline puzzle, which requires that a CBDC must keep the provision given by cash, and, simultaneously, avoid double-spending, counterfeiting, and other issues. The…
This paper is the first attempt to formalize a new field of economics; studding the Intangibles Goods available on the Internet. We are taking advantage of the digital world's specific rules, in particular the zero marginal cost, to propose…
Digital currencies primarily operate online, but there is growing interest in enabling offline transactions to improve digital inclusion. Existing offline methods struggle with double-spending risks, often limiting transaction amounts. In…
In the UK, the Bank of England and HM Treasury are exploring a potential UK retail CBDC, the digital pound, with one of their motivations being the potential role of the digital pound as an anchor for monetary and financial stability. In…
The automotive industry has seen an increased need for connectivity, both as a result of the advent of autonomous driving and the rise of connected cars and truck fleets. This shift has led to issues such as trusted coordination and a wider…
We examine blockchain technologies, especially smart contracts, as a platform for decentralized applications. By providing a basis for consensus, blockchain promises to upend business models that presuppose a central authority. However,…
With challenges and limitations associated with security in the fintech industry, the rise to the need for data protection increases. However, the current existing passwordless and password-based peer to peer transactions in online banking…
Internet-of-things (IoT) is perpetually revolutionizing our daily life and rapidly transforming physical objects into an ubiquitous connected ecosystem. Due to their massive deployment and moderate security levels, those devices face a lot…
Today there is considerable interest in deploying blockchains and decentralized ledger technology as a means to address the deficiencies of current financial and digital asset infrastructures. The focal point of attention in many projects…
Sharding is a way to address scalability problem in blockchain technologies. Ethereum, a prominent blockchain technology, has included sharding in its roadmap to increase its throughput. The plan is also to include multiple execution…
The latest advancements in Distributed Ledger Technology (DLT), and payment architectures such as the UK's New Payments Architecture, present opportunities for leveraging the hidden informational value and intelligence within payments. In…
In this paper we propose a comprehensive and scalable framework to build secure-by-design e-voting systems. Decentralization, transparency, determinism, and untamperability of votes are granted by dedicated smart contracts on a blockchain,…
This paper presents Thinkey, an efficient, secure, infinitely scalable and decentralized blockchain architecture. It ensures system correctness and liveness by a multi-layer structure. In particular, the system is based on a double-chain…