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Exploring DeFi: Revolutionizing finance through Blockchain and … – Guardian Nigeria

In contemporary times, the world of finance has experienced a remarkable transformation, giving rise to a revolutionary concept known as Decentralized Finance, or DeFi. Built on the principles of Blockchain technology, DeFi has the potential to redefine conventional financial systems.

This mechanism provides Lending, Borrowing, Derivatives, Liquidity Provision, Trading, Asset Management, Insurance, Oracle, and other traditional financial products on the Blockchain without brokers. Everyone can participate, ushering in an era of financial democratization that is faster and cheaper.

Additionally, it offers greater accessibility, transparency, and control to individuals worldwide, irrespective of geographical jurisdiction. If youre new to DeFi, this piece will provide a comprehensive introduction to its workings, utilization, pros and cons, the future it holds, and how it compares to Centralized Finance (CeFi).

At its core, DeFi refers to a decentralized financial ecosystem that operates without intermediaries, such as banks or other centralized institutions. Instead, DeFi relies on Blockchain technology, primarily Ethereum, to create Smart Contractsself-executing agreements that facilitate and automate financial transactions.

These Smart Contracts, powered by decentralized applications (dApps), enable users to engage in various financial activities, including lending, borrowing, trading, investing, and several financial products and services. Guided by codes and immune to immutability and fraud, it is peer-to-peer.

DeFi opens up a world of possibilities for individuals seeking to participate in financial activities without relying on traditional institutions. Here are some of the fundamental utilization areas of DeFi:

Lending and Borrowing: DeFi platforms allow users to lend their Crypto assets and earn interest, while borrowers can access funds using their Crypto holdings as collateral. Therefore, the methodology eliminates the need for credit checks and provides greater accessibility to financial services.

Decentralized Exchanges (DEXs): DeFi facilitates peer-to-peer trading on decentralized exchanges, enabling users to trade cryptocurrencies directly from their wallets. DEXs enhance privacy, security, and liquidity while reducing the risk of hacking or manipulation.

Stablecoins and Payments: DeFi introduces stablecoins, Cryptocurrencies pegged to a stable asset like fiat currency, to provide stability and enable seamless and borderless transactions. These stablecoins power DeFi payments, making cross-border transactions faster and more affordable.

Yield Farming and Staking: DeFi offers opportunities for users to earn passive income by participating in yield farming or staking. Yield farming involves providing liquidity to DeFi protocols and earning rewards, while staking involves holding and validating Cryptocurrencies to secure the network and earn staking rewards.

Like any innovation, DeFi comes with its own set of advantages and challenges. Heres a quick overview:

The future of DeFi holds immense prospects. Since technology advances and scalability solutions emerge, DeFi is expected to witness broader adoption and innovative use cases. Some anticipated developments include improved user interfaces, increased interoperability between different DeFi protocols, integration with traditional finance, and the emergence of decentralized derivatives and insurance markets.

Further, the world is moving toward digitization which is in tandem with DeFi. With a Smartphone, even the poor in the global South can access financial products and services previously available to developed countries.

Incremental sound policy formulation around these emerging technologies will create opportunities for the unbanked and underbanked in developing regions like Africa to be part of the global economy. DeFi is thus a tool to extinguish a central impediment standing in the way of sustainable development and human freedom globally.

DeFi and CeFi represent two distinct paradigms in the financial landscape:

Decentralized Finance (DeFi): DeFi emphasizes decentralization, transparency, and open access. It leverages Blockchain technology to eliminate intermediaries, allowing users to retain control of their funds and participate directly in financial activities.

Centralized Finance (CeFi): However, CeFi, on the other hand, refers to the traditional financial system characterized by centralized institutions like banks and financial intermediaries. CeFi delivers customary services but is often associated with limitations such as restricted access, high fees, and slower transaction times.

While both DeFi and CeFi have their merits, DeFis potential to democratize finance, increase financial inclusion, and provide innovative solutions makes it an exciting, empowering, and rapidly evolving space.

Decentralized Finance (DeFi) can reshape the global financial landscape, empowering individuals with greater control over their financial activities and fostering a more inclusive global economy. By leveraging Blockchain technology, DeFi offers numerous opportunities for lending, borrowing, trading, and investing while also addressing the limitations of traditional finance.

However, as with any emerging technology, it is crucial to stay informed, conduct thorough research, and understand the risks associated with participating in the DeFi ecosystem. Dont invest your hard-earned money without understanding the technology first.

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Medicaid Decentralization Is a Disaster – The American Prospect

During the pandemic, the federal government temporarily forbade states from kicking people off their Medicaid rolls, and provided extra funding to cover the expense. By late 2022, enrollment had indeed ballooned by 21 million, or nearly 30 percent.

But that prohibition ended in April this year, and sure enough people are now being kicked off the coverage by the hundreds of thousands, as my colleague David Dayen recently pointed out. The most recent estimate comes from David A. Lieb and Andrew DeMillo at the Associated Press this week, and they find that over one million people have lost coverage. The reason: Most got dropped for not filling out paperwork.

Its a lesson in the downsides of Medicaids federalized and means-tested structure.

States design and operate Medicaid within federal guidelines, and this gives conservative states run by vicious ideologues like Ron DeSantis or Sarah Huckabee Sanders wide latitude to kick people off the program intentionally or with deliberate incompetence. Per AP, Florida alone has dropped several hundred thousand people, by far the most among states. The other largest enrollment declines are seen almost entirely in red states like Arkansas, Idaho, Oklahoma, and West Virginia.

More from Ryan Cooper

This problem is made worse by Medicaids complex eligibility requirements, which include income and asset tests that vary based on the age and status of the enrollee, as well as across states. Most enrollees have a vague at best understanding of the rules, or when and how to file the necessary paperwork, or are now learning about these draconian strictures. One diabetic retiree in Pittsburgh learned that he would have to get rid of $60,000 in his retirement savings or lose coverage, requiring him to pay $700 per month for insulin out of pocket.

Medicaid has been largely privatized over the years: Some 72 percent of enrollees are now in managed care organizations run by private companies. That provides a theoretical incentive for those companies to get enrollment as high as possible so they can make more money. But as weve seen with the student loan servicers debacle, government contractors are just as prone to Kafkaesque bureaucratic errors as any government agency. (One of them, Maximus, contracts for both student loan servicing and Medicaid eligibility determination in 13 states.)

One easy idea to reduce eligibility mistakes would be to impose maintenance of effort rules on companies or states such that if they kick too many people off erroneously, the companies get booted off Medicaid themselves, or the state gets financially penalized.

But a better idea would be to federalize the program entirely, and ease up on the eligibility rules. Roll Medicaid and Medicare into one program (thus removing control from merciless red-state governors) and loosen up income and asset tests (especially for retirees). Make enrollment happen automatically as much as possible, like for anyone under the age of 26 or for anyone on Social Security Disability Insurance. Best of all would be to put every American onto the program for life, thus making it impossible to ever lose coverage.

Ryan Cooper is the Prospects managing editor, and author of How Are You Going to Pay for That?: Smart Answers to the Dumbest Question in Politics. He was previously a national correspondent for The Week.

June 20, 2023

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Crypto.Com Expands In Europe While Binance Faces Hurdles – CoinGape

Crypto News: Crypto.Com, a leading crypto exchange on Friday announced receiving registration clarity in Spain. As per the release, the Bank of Spain granted the crypto exchange with Virtual Asset Service Provider (VASP) license. However, this development comes in when the biggest crypto exchange by trading volume, Binance is facing compliance hurdles in Europe.

Also Read: Ripple Highlights CBDC Adoption; XRP Price Drops 3%

In order to gain a VASP permit in Spain, Crypto.com went under review for compliance with Anti-Money laundering rules, AMLD, and other finance linked directives. The crypto exchange will now be able to provide its suite of products and services to Spains digital asset users.

Kris Marszalek, CEO of Crypto.com stated that receiving the Virtual Asset Service Provider permit in Spain shows their commitment towards compliance in working with global regulators.

Meanwhile, Crypto.com received a backlash over allegedly deploying internal teams to trade tokens for profit making. This has led to major concerns in the crypto industry. The report mentioned that the crypto exchanges executives asked their team to say that there is no such internal market marker type operation running. Read More Crypto News Here

Binance is facing registration complications in Europe. The biggest crypto exchange announced its exit from the Netherlands after failing to gain a VASP license from the Dutch regulator. It recently decided to deregister from Cyprus as a crypto asset service provider.

Binance holds anti-money laundering compliance in Spain, France, Italy, Spain, Sweden, Lithuania and Poland. However, the biggest crypto exchange and its US affiliate are facing legal troubles from the Securities and Exchange Commission (SEC) over its operations.

Coingape reported that Binance might be facing internal FUD as its key executives are allegedly taking an exit from European operations amid expansion plans.

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Maverick Protocol Secures $9m, Binance and Coinbase Among … – Crypto Daily

DeFi infrastructure startup Maverick Protocol has raised an estimated $9 million from a funding round. Among its investors are Pantera Capital, Binance, Coinbase, and Apollo Crypto.

In its page on Medium, the startup said that the latest funding round is aimed at expanding its ecosystem and build more efficient Liquid Staking Token (LST) Infrastructure, enable deployment to other chains, and subsequently attract new players and projects to its ecosystem.

Maverick Protocol, a DeFi infrastructure startup, has shown considerable potential in its aim to revolutionize the decentralized finance landscape. One of the critical aspects of its infrastructure that the firm plans to enhance is its Liquid Staking Token (LST) Infrastructure.

Liquid staking represents an innovative approach within the blockchain and DeFi space. Traditionally, staking involves participants locking up their cryptocurrencies to support operations such as block validation on a proof-of-stake (PoS) blockchain. In return, stakers receive rewards. However, staked tokens often remain locked and inactive, reducing their utility within the wider crypto ecosystem.

This is where liquid staking comes into play. It allows users to stake their tokens and still maintain their liquidity. In essence, when users stake their tokens, they receive a representative token in return. This representative or 'liquid' token can be freely traded, providing the holder with liquidity while the original tokens remain staked.

By prioritizing an efficient LST infrastructure, Maverick is aiming to optimize capital efficiency. This infrastructure could enable the deployment of its services to other chains, broadening Maverick's ecosystem and attracting new players and projects.

The second phase was the introduction of Boosted Positions just last May which it defined as a set of incentivization tools for token projects hat provided token projects with greater control over liquidity. Its latest phase, introduced just a day ago, unveiled its own voting-escrow (ve) model that enable voting on liquidity positions through its own MAV token.

Last March, Maverick also launched its own exchange which, as of writing, has amassed $40.9 million in total value locked, according to aggregated blockchain data from CoinMarketCap. The protocol was also recently introduced alongside the Binance Launchpool program. Maverick has been steadily charting its own course in improving DeFi infrastructure and it remains optimistic for its future.

Down the road, Maverick will also announce more ecosystem partners and explore more cross-chain opportunities to enable market efficiency across the whole industry," the firm said.

'Disclaimer: This article is provided for informational purposes only. It is not offered or intended to be used as legal, tax, investment, financial, or other advice.

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Shardeum solving the blockchain trilemma | nasscom | The Official … – NASSCOM Community

Blockchain technology has undoubtedly revolutionized various industries, promising enhancedsecurity,transparency, anddecentralization. In the rapidly evolving landscape ofblockchain technology, one of the most pressing challenges faced by developers and businesses alike is the blockchain trilemma, which refers to the trade-off between scalability, security, and decentralization. Balancing these three pillars has been a long-standing issue within the blockchain community. But now, a groundbreaking solution has emerged to tackle this trilemma head-on:Shardeum. By harnessing the power of sharding, Shardeum aims to provide a scalable, secure, anddecentralized blockchain ecosystem, offering a promising future for the blockchain industry. In this blog post, we will explore the concept of sharding and delve into how Shardeum is paving the way for a new era of blockchain technology.

Consider the scenario where you assume the role of a superhero entrusted with the crucial mission of safeguarding the world from an imminent catastrophe. Your decision-making process involves selecting two superpowers out of three available options: flight, super strength, and invisibility. It is important to note that you can only possess two powers simultaneously, adding an element of strategic choice to the equation.

Analogously, the concept of the blockchain trilemma presents a similar predicament withindecentralized networks. In this context, the three superpowers are decentralization,security, and scalability. Just like our superhero protagonist, decentralized networks face the constraint of being able to possess only two of these superpowers concurrently.

The blockchain trilemma holds considerable significance in the realm of cryptocurrencies and blockchain technology and was originally introduced by Vitalik Buterin, the co-founder ofEthereum. This term describes the challenge faced byblockchain technology, where it is difficult to achieve all three fundamental properties simultaneously: security, scalability, and decentralization. According to Vitalik, it is typically only possible to have two of these properties at a given time, inevitably sacrificing the third one. As security plays a crucial role in publicblockchain platforms, they frequently face the trade-off between scalability and decentralization when making decisions.

Bitcoin, the pioneering and widely recognized blockchain-based cryptocurrency, exemplifies the blockchain trilemma in practice. Bitcoin prides itself on its high degree of decentralization, with numerous nodes dispersed worldwide. This decentralized nature enhances its security, as no single entity or collective holds control over the entire network, bolstering its resilience against potential attacks. Nonetheless,Bitcoinfaces challenges when it comes to scalability as it can only handle a restricted volume of transactions per second. Consequently, during periods of heightened demand, the network can experience congestion, leading to elevated transaction fees. In comparison to established credit card processors like Visa and Mastercard, Bitcoin falls short, as these competitors can swiftly process transactions within milliseconds.

Although layer 2 solutions and applications have helped alleviate the scalability problem, the advancements made so far have been mostly incremental in order to meet industry requirements. While the goal is to transition fromWeb2 to Web3, it is important to recognize that Web2 offers a user experience that is familiar and efficient on a global level. ForWeb3to effectively replace Web2, it must significantly increase its throughput capacity to facilitate widespread adoption and enable the full realization of blockchains inherent benefits, such as enhanced security,privacy,and decentralization.

Sharding has been a familiar concept in the blockchain industry for quite some time and has been extensively explored by prominent layer 1 blockchains likeEthereum. It has been long recognized as an effective solution for improving scalability in various applications, particularly within centralized databases. But how does sharding actually enhance the scalability of centralized networks? Put simply, sharding involves dividing the task of validating and confirming transactions into smaller, more manageable fragments, known as shards. While sharding is undoubtedly the most effective approach to addressing scalability concerns, implementing it in blockchain-based networksis considerably more challenging compared to centralized databases.

Shardeum brings forth an encouraging development as it implements a unique approach to consensus and processing, operating at the transaction level instead of the block level. Furthermore, the network employs dynamic state sharding to distribute the computational workload, storage, and bandwidth evenly and dynamically across all nodes. This groundbreaking technique enables parallel processing of transactions and significantly reduces the burden onvalidator nodes, as they only need to store the state data of the transactions they are directly engaged in.

Dynamic state sharding holds immense significance in the realm ofShardeum. Its importance lies in enabling the network to sustain consistently low transaction fees for both developers and end users. It is crucial to clarify that dynamic state sharding represents the cutting-edge iteration of sharding techniques, encompassing state, transaction/network, and static state sharding.

In contrast to previous versions, this solution adeptly addresses various challenges including extended latency, vertical scalability (as opposed to linear scalability), sybil attacks, limited finality, and the absence of cross shard composability. However, it is essential to note that dynamic state sharding also stands as the most intricate approach to partitioning a networks state.

Shardeum operates with a network that lacks a predetermined set of fixed shards or nodes. Instead, nodes within theShardeum networkpossess the freedom to relocate and adapt to accommodate varying amounts of data, functioning as dynamic shards. The implementation of dynamic state sharding is seamlessly integrated with Shardeums auto-scaling capability. As a result, the network can autonomously regulate the quantity and dimensions of shards in response to the existing workload. This dynamic adjustment empowers the system to enhance performance and sustain exceptional scalability as it expands and progresses.

Dynamic state sharding onShardeumovercomes the limitations of static state sharding by allowing the network to adapt and expand based on changing demand. It addresses two critical issues: facilitating dynamic growth by creating new shards in real-time to accommodate increasing demands, and eliminating the bottleneck caused by sequential processing in static state sharding. With dynamic state sharding, transactions can be processed in parallel across multiple shards, improving network efficiency and reducing latency. By adopting dynamic state sharding,blockchain networkscan achieve scalability and improved performance. On Shardeum, dynamic state sharding assigns dynamic address ranges tovalidator nodesacross multiple shards, achieving consensus at the transaction level and supporting cross-shard composability.

In a sharded environment, cross-shard communication allows transactions to access and utilize data from different shards. This enables the execution of challenging transactions andsmart contracts. Atomic composability ensures that transactions are executed atomically, minimizing the risk of failures or an inconsistent blockchain state.Shardeumensures effective execution of complex transactions and smart contracts while maintaining blockchain integrity and consistency.

By adding nodes from its standby validator pool during peak demand,Shardeums networkachieves instant increases in transaction throughput. This unique feature allows the network to scale linearly, making it the firstWeb3 networkwith such capability. This scalability positively impacts various aspects of theblockchain network, including throughput, decentralization, security, and transaction fees that remain constant regardless of network demand. Shardus, Shardeums underlyingprotocol, has already demonstrated 500 TPS with 100 nodes in the past three years. Shardeum has set its sights on attaining even greater figures, targeting a potential milestone of 1 TPS (transactions per second) or higher per node. This accomplishment would represent a notable advancement for theWeb3 ecosystem. In comparison, existing blockchain networks with around 2,000 active nodes can only process an average of 350 TPS, while traditional Web2 platforms like PayPal and Visa process an average of 5,000 TPS daily.Shardeumenvisions mobilizing millions of nodes, enabling over 1 million TPS and empowering DApps to serve billions of users while eliminating middlemen exploiting data and privacy.

Shardeum utilizes a unique consensus algorithm called Proof-of-Quorum (PoQ) to validate and update transactions. Unlike traditional algorithms like Proof-of-Work (PoW), PoQ allows nodes to validate transactions individually upon receipt, followed by sharing the information with other nodes in a consensus group. This strategy guarantees that all nodes within the group possess knowledge of every transaction, resulting in a trustless assembly of votes or a quorum in the form of receipts. When more than 50% of the receipts are obtained, transactions are confirmed and updated on the network. Before being sent to archive nodes, individual transactions are grouped together.

Shardeum aims to enhance security through a unique combination of Proof of Quantity (PoQ) andProof of Stake (PoS) consensus mechanisms. A specified amount of coins is required to be staked, thereby reducing the risk of potential misbehavior. Additionally, the network assigns a random node ID tovalidator nodesusing the consensus algorithm. In addition to validator and archive nodes,Shardeumalso includes standby nodes, which serve as backups and can accommodate increased demand. The network dynamically rotatesvalidatorand standby nodes using the node IDs, making it highly challenging for malicious actors to seize control of the network.

Auto-scaling is a crucial feature that allows a network to adjust its capacity according to demand.Shardeums protocolautomatically detects the networks current capacity and adjusts the number of active validator nodes and shard size accordingly. This ensures optimal performance and incentivizes the network to operate efficiently. Additionally, Shardeum aims to promote decentralization by making it easy for average individuals to join and operate a node with minimal resources.Validator nodesonly need to maintain the current state within a shard, while historical data is stored in archive nodes. Running a node on the network is affordable and helps reinforce security while enabling horizontal scaling.

Shardeumoperates on the guiding principle of being Open, Collaborative, and Community Driven (OCC). The projects EVM-based network is developer-friendly, eliminating concerns about rising gas fees and enhancing the user experience of DApps. Instead of competing with other L1 networks, Shardeum aims to disrupt the under-utilization ofblockchain technologyand become a beacon of hope for existing and futureWeb3 platforms. By focusing on delivering a transformative impact, Shardeum recognizes the enthusiasm of todays youth in actively working towards a more equitable world.

By combining innovative techniques such as sharding,proof-of-stake consensus, anddecentralized storage,Shardeumhas managed to address the challenges of scalability, security, and decentralization in a remarkable way. Its ability to process a high number of transactions per second, maintain a robust securityprotocol,and distribute data across a network of nodes make it a compelling option for developers and businesses alike. With Shardeum, the blockchain trilemma is no longer an insurmountable obstacle, paving the way for a more scalable, secure, and decentralized future for blockchain technology.

Dr. Ravi Chamria is co-founder CEO of Zeeve Inc, an Enterprise Blockchain company. He has an experience of 18+ years in IT consulting spanning across Fintech, InsureTech, Supply Chain and eCommerce. He is an executive MBA from IIM, Lucknow and a prolific speaker on emerging technologies like Blockchain, IoT and AI/ML.

Passionate About: Blockchain, Supply Chain Management, Digital Lending, Digital Payments, AI/ML, IoT

Specialities: Strategic Management, Technology Innovation, Product Management

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Understanding the Relationship Between Web3 and Blockchain – Techopedia

Although blockchain, a type of distributed ledger or database thats used to validate and store digital transactional records, and Web3, the next iteration of the World Wide Web, are different technologies, they are still closely related.

While blockchain technology helps organizations securely store and manage data without the need for intermediaries, Web3 is a decentralized web that allows companies to create decentralized apps (dApps) and services. Using such technologies as blockchain and distributed ledger technology, the goal of Web3 is to establish an increasingly transparent and secure Internet.

Combining blockchain with Web3 technologies lets organizations build more efficient, secure, and transparent apps. Consequently, the connection between the two is the underpinning of a new digital economy in which assets are stored securely and exchanged without intermediaries.

Blockchain and cryptocurrencies play major roles in creating the Web3 infrastructure by enabling companies to decentralize the services of Web2, including databases, social networking sites, and cloud computing. However, there are other technologies that allow dApps to analyze data in a Web3 environment much the same way as humans do it. These include:

Because dApps are built on top of decentralized technologies, such as blockchain, they allow users to interact with decentralized systems as they would with traditional web apps. And developers can use dApps to build a variety of applications, such as supply chain management apps, financial apps, and social networking platforms.

Blockchain is also changing the way transactions happen on the Internet as the technology enables users to complete online transactions without the need for third-party services, such as banks, Visa, Amazon, and Google.

Moreover, Web3 and blockchain encourage openness and transparency. With Web3, users can use cryptographic keys to access content, agreements, resources, and applications.

Here are a few ways blockchain and cryptocurrencies fit into the open, accessible, and borderless Web3 technology:

Blockchain-based projects replace the proprietary systems of traditional organizations with code thats openly available. The permissionless nature of the apps built on the blockchain enables anyone across the globe to access them and interact with them without any restrictions.

One of the main problems of Web2 is that the power and data are concentrated among a few major stakeholders. However, blockchain and cryptocurrencies decentralize Web3 by more widely distributing information and power.

Using distributed public ledges powered by blockchain, Web3 enables greater decentralization and transparency.

Since cryptocurrencies are borderless and dont need intermediaries, they can act as Web3s digital payments infrastructure, improving Web2s bulky and expensive payment infrastructure.

With blockchain and cryptocurrencies, users dont have to trust an intermediary, such as a bank. Web3 users can complete transactions without having to trust any third party except the network itself.

Cryptocurrencies offer such tools as self-custody crypto wallets that enable users to store, manage, and trade cryptocurrencies without requiring intermediaries.

Additionally, when users connect their wallets to decentralized applications, they can use their funds for a variety of reasons, and using a transparent public ledger, anyone can verify who owns these funds.

Blockchains are designed so that no one party can alter the transaction record because once a record is added to the blockchain, its virtually impossible to remove it.

As blockchain and Web3 technologies are adopted more widely, companies are identifying a variety of ways to take advantage of this combination of technologies.

Here are some of the ways a blockchain-based Web3 can benefit businesses:

Improved security: Blockchains distributed ledger system enables secure transactions without the need to rely on intermediaries or third parties. As such, organizations data is better protected from fraud and cyberattacks.

More rapid transactions: Blockchain tech processes payments much faster than traditional methods for payment processing. Consequently, its perfect for apps such as online shopping.

Cost savings: Blockchain networks are decentralized, which means companies dont have to spend money on servers or any other related overhead expenses. Therefore, organizations can save money on transaction fees and other charges.

Enhanced transparency: Since blockchain provides a digital chain of custody, its easier for companies to track assets from one point to another. This helps organizations keep accurate records and remain compliant with regulatory requirements.

Improved efficiency: Blockchain tech automates time-consuming routine tasks, improving workflow and reducing operational costs.

Blockchain is the foundation for Web3, especially since it transforms the structure of data in the backend of the web. The main feature that makes it the foundation for Web3 is decentralization.

Web3 and blockchain technologies are closely related as Web3 tech uses decentralized technologies to establish secure and transparent systems for interacting with the internet.

Blockchain and Web3 are key parts of the emerging digital economy. By employing these powerful technologies, organizations can take advantage of faster transactions, better security, enhanced transparency, and cost savings. As blockchain offers cryptographic proof of a series of transactions, its use in Web3 is critical, particularly in terms of boosting trust among users.

Technically speaking, Web3 is an assortment of blockchain-based protocols that aims to change the wiring of the internets backend.

Blockchain and cryptocurrencies are working to further the Web3 revolution, as their goal is to facilitate permissionless, decentralized, and trustless interactions.

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Transforming guest experiences: the role of digital identity in … – Hospitality Net

The hospitality industry is evolving with the adoption of digital identity management systems. Traditional identity verification methods, often time-consuming and insecure, are giving way to more efficient and secure digital identity verification. By implementing decentralized systems and biometric face authentication, hotels can improve the guest experience through expedited check-in processes, personalized services, and enhanced privacy. However, challenges such as data protection compliance, data decentralization, and system integration must be addressed. This digital transformation presents significant advantages for both hoteliers and guests, streamlining processes, and bolstering data security in the digital age.

Identity in Hospitality is not what it used to be. For some people, identity is simply a passport, maybe a driver's license. For others, identity can also include a loyalty card or an access card. To many, it is about a username and password to access some website or even an email address. The truth is: identity is all of that. Those are simply examples of particular facets of our identity in Hospitality.

Managing guest identity presents a significant burden for hoteliers in the hospitality industry. Firstly, hoteliers must establish verification processes and systems to confirm the identity of guests, which can involve requesting identification documents, such as passports or driver's licenses, and cross-referencing them with reservation details. Secondly, guest verification adds complexity and friction to the check-in process, leading to longer waiting times, guest dissatisfaction and ultimately lower revenue per available room. We all know staff should focus on high-value human-touch guest interactions that add to the hotel top line instead of typing numbers behind a desk. In a digital world, why would staff even need a desk anyway?

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The 2024 edition of "The Hotel Yearbook (HYB) Technology," curated by EHL's Ian Millar, offers a comprehensive outlook on the emerging technology trends and innovations poised to shape the global hotel industry. It amalgamates insights from a multitude of industry thought leaders, spotlighting key foresight in several tech-oriented fields. This includes anticipated evolutions in the future tech stack, which will drive operational efficiencies, the 'human stack' that explores the intersection of human resources and technology, and the application of Generative AI in creating novel customer experiences. Overall, this HYB edition serves as an essential guide for understanding how technology and innovation will redefine the industry landscape.www.hotelyearbook.com/edition/technology-2024.html

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Quantum Puzzle Solved: The Great Mystery of Quantized Vortex Motion – SciTechDaily

Visualization of quantized vortex ring above the plane (green curve), normal-fluid vortex rings (reddish half circles). Credit: Makoto Tsubota, OMU

Explaining the interaction between quantized vortices and normal fluids.

Researchers from Osaka Metropolitan University, Florida State University, and Keio University have demystified the interaction between a quantized vortex and a normal-fluid in liquid helium-4 at cryogenic temperatures. Using advanced computation and visualization, they found a model considering normal-fluid changes and accurate mutual friction to be the most fitting.

Liquid helium-4, which is in a superfluid state at cryogenic temperatures close to absolute zero (-273C), has a special vortex called a quantized vortex that originates from quantum mechanical effects. When the temperature is relatively high, the normal fluid exists simultaneously in the superfluid helium, and when the quantized vortex is in motion, mutual friction occurs between it and the normal-fluid. However, it is difficult to explain precisely how a quantized vortex interacts with a normal-fluid in motion. Although several theoretical models have been proposed, it has not been clear which model is correct.

A research group led by Professor Makoto Tsubota and Specially Appointed Assistant Professor Satoshi Yui, from the Graduate School of Science and the Nambu Yoichiro Institute of Theoretical and Experimental Physics, Osaka Metropolitan University respectively in cooperation with their colleagues from Florida State University and Keio University, investigated numerically the interaction between a quantized vortex and a normal-fluid. Based on the experimental results, researchers decided on the most consistent of several theoretical models. They found that a model that accounts for changes in the normal-fluid and incorporates more theoretically accurate mutual friction is the most compatible with the experimental results.

The subject of this study, the interaction between a quantized vortex and a normal-fluid, has been a great mystery since I began my research in this field 40 years ago, stated Professor Tsubota. Computational advances have made it possible to handle this problem, and the brilliant visualization experiment by our collaborators at Florida State University has led to a breakthrough. As is often the case in science, subsequent developments in technology have made it possible to elucidate, and this study is a good example of this.

Their findings were published in the journal Nature Communications on May 23, 2023.

Reference: Imaging quantized vortex rings in superfluid helium to evaluate quantum dissipation by Yuan Tang, Wei Guo, Hiromichi Kobayashi, Satoshi Yui, Makoto Tsubota and Toshiaki Kanai, 23 May 2023, Nature Communications.DOI: 10.1038/s41467-023-38787-w

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Physicists develop a novel quantum theory of light-induced matter – Phys.org

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A team led by a physicist from City University of Hong Kong (CityU) recently developed a new quantum theory that explains the "light-induced phase" of matter and predicts its novel functionalities. The new theory has the potential to revolutionize the field of quantum photonics and quantum control at room temperature. It also opens the door to a variety of next-generation light-based applications, such as optical communications, quantum computing and light-harvesting technologies.

Scientists have found exotic phases in matter, in addition to the usual ones, known as the solid, liquid and gas phases. And in different phases in which the atoms undergo certain arrangements in space, the matter may have different properties. As one category of the newly discovered phases, light-induced phases have drawn a lot of attention from scientists in the past decade, as they have been regarded as a promising platform for new photovoltaic panels and new chemical platforms, as well as a new avenue for modern quantum technology.

"The ultrafast processes of photoactive molecules, such as electron transfer and energy redistribution, which are typically at the femtosecond scale (10-15s), are of extensive importance for light-harvesting devices, energy conversion and quantum computing," explained Dr. Zhang Zhedong, Assistant Professor of Physics at CityU, who led the study. The findings were published in the journal Physical Review Letters under the title "Multidimensional coherent spectroscopy for molecular polaritons: Langevin approach."

"However, the research on these processes is full of obscurities. Most of the existing theories related to light-induced phases are bottlenecked by time and energy scales and therefore cannot explain the transient properties and ultrafast processes of molecules when short laser pulses come into play. These impose a fundamental limit for exploring the light-induced phases of matter," said Dr. Zhang.

To tackle these difficulties, Dr. Zhang and his collaborators developed a novel quantum theory for the optical signals of the light-induced phases of molecules, which is the first in the world. The new theory, through mathematical analysis in conjunction with numerical simulations, explains the excited state dynamics and optical properties of molecules in real time, overcoming the bottlenecks resulting from existing theories and techniques.

The new theory integrates advanced quantum electrodynamics into ultrafast spectroscopy. It uses modern algebra to explain the nonlinear dynamics of molecules, which lays the foundation for developing state-of-the-art technological applications for lasers and material characterization. It thus offers new principles for optical detection and quantum metrology.

"What is particularly fascinating about our new theory is that the cooperative motion of a cluster of molecules shows a wave-like behavior, which spreads over a distance. This was not achievable in conventional studies. And this collective motion can exist at room temperature, instead of only in an ultralow, cryogenic temperature previously. This means that precise control and sensing of particle motion may be feasible at room temperature. This may open new frontiers of research, such as collective-driven chemistry that could potentially revolutionize the study of photochemistry," said Dr. Zhang.

The new quantum theory facilitates the design of next-generation light-harvesting and emitting devices, as well as laser operation and detection. The coherence emerging from the light-induced molecular cooperativity may lead to bright emission of light. The spectroscopic probes of the light-induced phase of matter in the research can help to exploit next-generation optical sensing techniques and quantum metrology.

At a larger scale, the light-induced phases may enable a variety of novel light-based interdisciplinary applications, such as optical communications, biological imaging, control of chemical catalysis, and designating light-harvesting devices in an energy-efficient manner.

In the near future, the researchers plan to explore the light-induced phases and their effect on quantum materials, and develop new spectroscopic techniques and detection in the context of quantum entanglement.

More information: Zhedong Zhang et al, Multidimensional Coherent Spectroscopy of Molecular Polaritons: Langevin Approach, Physical Review Letters (2023). DOI: 10.1103/PhysRevLett.130.103001

Journal information: Physical Review Letters

Link:

Physicists develop a novel quantum theory of light-induced matter - Phys.org

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