Payments modernization Company Evolvus is committed to ensuring that financial institutions and their customers are able to stay current with business, regulation and technology changes across the payments ecosystem. www.evolvussolutions.com

Blockchain- Industry initiatives

BlockChain is A reliable, difficult-to-hack record of transactions – and of who owns what. Blockchain is based on distributed ledger technology, which securely records information across a peer-to-peer network.  A distributed ledger is a database of transactions that is shared and synchronised across multiple computers and locations – without centralised control A blockchain records data across a peer-to-peer network based on algorithmic verification and approval. The transactions are stored in blocks of 10 record each, linked to a chain of all earlier blocks Smart contracts – self-executing algorithms within the block chain

The promise Enable trust Eliminate intermediaries Enforce contracts

Centralised vs Distributed Ledgers

Cross Border Payments – Ripple Direct competition to SWIFT Instant cross border transfer – any bank to any bank Total visibility of payment Transparent cost structure Guaranteed delivery 110 banks across 75 countries on Ripple Based on Inter ledger protocol Ripples own digital currency - XPR 11,000 on SWIFT network (4 decades)

Payment flow

Banking – JP Morgan - Quorum Quorum – Ethirium based enterprise blockchain platform Permissioned Block chain platform Private network Tweaked for banking and enterprise High speed and high throughput transactions Rolled out within a closed network of JP Morgan, Royal bank of Canada, ANZ. Trillions of $ to flow through this network

Government Sector – SmartDubai Aim – Worlds happiest and smartest city Shared blockchain platform for all Government departments Objective – Efficiency, Industry creation and leadership Efficiency – Visas, Bill payments, license renewals (100 million documents each year) to go digital Road transport, energy, immigration (20 projects in progress) Leadership Global trust network with partners in Europe, NA and Asia Pre-approved passports, security clearance, pre-authorised digital wallets, IBM – Technology partner

Cross border Trade – IBM-Maersk Maersk – Largest container ship operator Attempt – Digitise global trade Standardise trade processes Minimal sharing of sensitive data Collaborate freely across shores Apply AI, IOT and analytics

Retail – Networking and IOT Samsung – IBM partnership ADEPT – Decentralised network of connected devices Eliminate central management of device – device communication Samsung – detergent refill example Device lifecycle management on Blockchain

Green Energy Sector - WePower Blockchain based green energy trading platform Helps renewable energy producers raise capital by selling energy upfront. Issue energy tokens Tokens are tradable Worldwide access to energy tokens All energy produced will be logged in the block chain platform and traded Energy projects rollout Estoina, Spain, Portugal and beyond

United Nations UN Food program – iris based food distribution for Syrian refugees in Jordan 10,000 refugees, $ 1 million worth food distributed UN Conference on Trade and Development eTrade for All Start your own online business

Blockchain platform as a Service Baidu Trust TrustSQL Encourage RTP based payment to By Chinese search giant - Baidu Baidu Trust Power up your own block chain solution ground up in no time Develop your own usecases By Tencent maker of WeChat TrustSQL Bloackchain platform – Under development Collaboration with Government and Intel

Distributed ledger Platform types Public Ledgers Bitcoin Etherium No support for Smart Contracts Supports smart contracts Consensus through Proof of work at block level Transaction level consensus Proof of Authority, Proof of stake Support smart Contracts Private Permissioned Ledgers Corda R3 Hyperledger Fabric

Blockchain landscape

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