Blockchain Technology: Why is it whenever we hear digital currency Bitcoin (or bitcoin technology), there is a mention of block chain technology, distributed ledger technology, blockchain technology wiki or blockchain for dummies?

We keep hearing about Blockchain? Should we be worried about the disruption that blockchain causes? What ways can blockchain technology affects the way we do business or in our business community?

Find below the blockchain full explanation and what it is and the steps a company should taken to address the emerging technology and why Banks think it could be the future of financial transactions.

What is Blockchain Technology?

How can a blockchain be explained? By definition... a blockchain technology is essentially a method of recording data, its a digital ledger of digital events, agreements, contracts, transactions - anything that needs to be independently recorded and verified as having happened; and "distributed"... or... "shared" across several, hundreds or even thousands of computers around the world or between many different parties.

The details of the transaction is NOT stored in one place, just the fact that it happened and the hash of the transaction.

The blockchain can only be updated by consensus (not by the blockchain technology group) of a majority of the participants in the system. And, once entered, information can never be erased.

Let me repeat in case you forget it: Once updated, the ledger cannot be altered or tampered with, only added to, and it is updated for everyone in the network at the same time.

The distributed nature of a blockchain database means that it's harder for hackers to attack it - they would have to get access to every copy of the database simultaneously to be successful.

It also keeps data secure and private because the hash cannot be converted back into the original data - it's a one-way process. The Blockchain data is subject to 256-bit encryption.

It's very early days for this blockchain technology, but the potentials is huge!

And the blockchain techology group will quickly remind us that everyone in the network can have access to an up-to-date version of the ledger, so it's very transparent.

It is a distributed database that maintains a continuously growing list of data records that are hardened against tampering and revision, even by operators of the data store's nodes.

So if the original transaction or document were subsequently altered, it would produce a different digital signature, alerting the network to the mismatch. In theory then, the blockchain method makes fraud and error less likely and easier to spot.

How Does Blockchain Work?

How does blockchain work? Is blockchain a new thing?. The idea behind blockchain has been around for a couple of decades, but came to prominence in 2008 with the invention of Bitcoin, the digital currency.

Blockchain is one of the most inetersting technologies we've seen in a long time. Smart contracts for business, investment banking, is probably the most disruptive part of blockchain.

You know you've seen some great companies today. They showed up with mobile apps, platforms. They showed up not just with customers but with revenue.

We know Digital records are lumped together into "blocks" then bound together cryptographically and chronologically into a "chain" using complex mathematical algorithms.

Bitcoins are created by computers solving complex mathematical puzzles and this requires lots of computing power and electricity. Blockchain is the technology underpinning it.

This encryption process, known as "hashing" is carried out by lots of different computers. If they all agree on the answer, each block receives a unique digital signature.

The most widely known application of a blockchain is the public ledger of transactions for cryptocurrencies used in bitcoin.

We Accept Bitcoin

Yes! We accept bitcoin! While a growing number of merchants and retailers accept Bitcoin, the digital currency remains controversial.

This record is enforced cryptographically and hosted on machines running the software.

Turing the sixteenth century the Dutch traders invented "balance carried forward" ledgers; and the blockchain is just the latest iteration in the methods.

But there isn't just one bitcoin services program - lots of companies are developing their own blockchain services. Some are open to all ("unpermissioned", in the jargon), others restrict access to a select group ("permissioned").

What a company should do in regards to blockchain?

A company wanted to understand the impact of blockchain, also known as emerging "crypto-technologies", on the market and technologies in the payments industry.

On a high level what did a company learn? Public blockchain technologies to do not offer scale and speed needed to achieve mass adoption for high volume use cases

A private, permissioned based network built on blockchain technology can be used today.

On the other hands, online banks do very similar things to each other, even though they are in compitition. Online banks basically keep our money safe and a big supercomputer keeps track of who has what.

But getting these supercomputers to talk to each other is remarkably complex and expensive - the technology is getting a little old!

If online banks started sharing data using a tailor-made version of blockchain technology it could remove the need for middlemen, a lot of manual processing, and speed up transactions, thereby reducing costs.

Barclays banks and Union Bank of Switzerland (UBS) are one of many global banks investigating the potential of blockchain technology.

Having access to an open, transparent ledger of bank transactions would be a great useful for regulators, and it could help governments tackle tax fraud.

Distributed Ledger Technology

The distributed ledger technology is radical and the potential benefits are enormous ranging from large cost reductions, to efficiency improvements, to risk reduction.

There is an extremely complex challenge in banking. Everybank maintains its own individual books and records; its own separate ledges. There is a huge duplication of effort and cost.

You will have heard of the terms 'block chain', 'shared ledgers','smart contracts', well they're aiming to solve that challenge but there is a missing piece in the puzzle and many team was formed to solve a critical building block in that pullze - Smart Contract Templates

The Technology company R3 CEV has persuaded over 40 of the world's leading financial institutions around the world, including Barclays, UBS and Wells Fargo, to join a consortium exploring distributed ledger technology.

R3 is an innovation firm focused on building and empowering the next generation of global financial services technology.

Recently, R3cev with 11 global financial institutions took part in a Smart Contract Templates experiment involving the exchange of tokens across a global private network without the need for a central third party verifying the transactions.

It's very early days for distributed ledger technology but the potential is phenomenal.

If global financial institutions and banks are able to speed up transactions and take costs out of the system, it should mean cheaper, more efficient services for everybody. For instance, sending money abroad could become almost instantaneous.

In 2015, 7 yeas ago, Chinese investment firm IDG Capital Partners and an American investment bank Goldman Sachs invested $50 million in a start-up company called Circle Internet Financial (or a stake in circle internet financial stock) aiming to exploit block chain technology to improve consumer money transfers.

Instant and Free - Circle internet financial believes international money transfers should be as easy as sending a text.

Sending and receiving money should be as easy as email or texting. Circle internet financial makes payments instant, secure, and global.

Entrepreneur Jeremy Allaire (or Jeremy Allaire Circle or Jeremy Allaire Bitcoin) - a co-founder of Circle internet financial, who happened to be a creator of digital wallet for bitcoins, believes that it is a choice of users can decide whether they send or receive money in dollars as well.

The idea is to make cross-border payments as easy as sending a text or email.

R3's strategy is driven by three main pillars, supported by cross-stream research capability:

Pillar 1.  Financial Grade Ledger - Develop the base layer reference architecture to underpin a global financial-grade ledger.

Pillar 2.  Lab and Research Center ("LRC") - Deploy secure, multi-institution collaborative lab to test and benchmark blockchain technologies.

Pillar 3.  Product Development - Runuse cases to identify and design "up the stack" commercial applications.

Distributed ledger technology has the potential to change financial services as profoundly as the Internet changed media and entertainment.

Blockchain Examples

Blockchain example: Block chain is not all about banks and financial institutions.

First of the Blockchain example includes Technology company Everledger, who uses blockchain to develop a system of warranties that enable mining companies to verify that their rough-cut diamonds are not being used by militias to fund conflicts;

And that Everledger comply with the Kimberley Process - a government and community-backed certification scheme for diamonds. Rough diamonds have long been used by insurgents and terrorists to fund their activities for years.

With the help of block chain technology, the ownership history and value of each diamond is available to anyone who wants it, and you can be confident that the information has not been tampered with or corrupted.

In a few months of operation, Everledger has added over 850,000 diamonds to its blockchain database.

The second blockchain example is the Northern Europe country Estonian technology firm, Guardtime estonia (not guardtime usa), which has been at the forefront of the country's digital transformation, using its version of blockchain - Keyless Signature or keyless signature infrastructure;

To help Estonian government manage and protect its citizens' data across about 1,000 online services. Its about massive scale data management.

Integrity: the Absence of Compromise. A block chain approach to cybersecurity that ensures the integrity of systems, networks and data at industrial scale.

Guardtime estonia have applied these capabilities to cybersecurity, providing real-time tamper detection to protect critical infrastructure. Also helping global telecoms companies, like Ericsson, protect and monitor the integrity of their core networks.

Estonia's Guardtime believes there are many applications for blockchain technology

The third blockchain example is Startup Wave. Startup Wave is hoping to develop a distributed, decentralised ledger for the shipping industry.

In 2022, the era of big data technology and the internet of things, being able to assign a digital signature to each bit of data is also useful.

And verifying and recording each stage in the development of a software program or product will help improve quality and reliability.

The global world and big data technology landscape innovations may not understand blockchain too well just yet, but it seems like its influence could be profound.

Smart Contract Templates

So what are smart contract templates? Smart contract templates are an elegant way to connect the text within legal agreements with the corresponding business logic. The legal documentation process is lengthy, cumbersome and manuel. Smart contrct templates can simplify all of that and because they're templates designed for re-use;

They have the opportunity to drive the adoption of standards across the industry and that will help banks mutualise the cost by leveraging common components.

All of this could enable a paradigm shift in an industry where there are billions of pages of legal documentation. Once we have a smart contract and we can deploy it to a distributed ledger to run.

For example, we could choose to use the R3 consortium's distributed ledger platform which is known as Corda.

Note: Barclays bank was the first to give demonstration of Corda or pular corda platform to the public and Barclays is proud to run an application on it. This is history in the making.

If we now go and view one of the trades running on the ledger, we'll retrieve the information. The schedule will update as the smart contract executes on the distributed ledger.

Barclays is at the forefront of this field but collaboration and open innovation is required to succeed. This has included R3 with its distributed ledger platform.

University College London's Centre for Blockchain Technologies - where a new programming language was created by the Dr Chris Clack team and they named the language CLACK with the standards body Internationa Swaps and Derivatives Association (ISDA), for their permission to use their legal agreements;

And Societe Generale, fortheir valuable review feedback during the process, and ofcourse to Techstars, fortheir support.

Now, all of this will take time to build but the potential benenfits are for the optimisation of legal processes and to enable legally enforcable smart contracts.

Barclays has planted the seed of Smart Contract Templates but in order fo rit to grow we required further collaboration.

It needs the financial industry behind it if it's going to succeed. This is driving distributed ledger innovation through collaboration.

Distributed Ledger and Global Financial Institutions

The financial technology innovation company R3 CEV has brings together the major global financial institutions (the world's largest financial institutions) to work on a cloud based distributed ledger technology.

The r3cev, who managed private peer-to-peer distributed ledger, underpinned by Ethereum technology and hosted on a virtual private network in Microsoft Azure, the public cloud platform offering Blockchain as a Service (BaaS) in an accelerated development environment.

Some of the global financial institutions were able to explore the distributed ledger technology's potential by executing financial transactions instantaneously across the global private network.

The participants banks simulated exchanging value, represented by tokenization assets on the distributed ledger without the need for a centralized third party.

Blockchain will change many thing but only if we can find the right talent as there is a shortage of talent in this emerging blockchain technology.

It would helpful if business can take a longer-time view to invest in promising talent that will deliver what the business ultimately needs.

Many financial services leaders believe distributed ledger technology will have a transformative impact on the industry within the next three to five years. There is a serious shortage of blockchain talent which is threatening to impede real-world deployment.

The deployment of blockchain will bring a big cost and capital savings to global financial market ecosystem to around 1-3 basis points of total assets.

There is an expectation that distributed ledger technology to be in everyday use within the next six-to-ten years, even though the industry is suffering from a serious shortage of talent of blockchain and the complex plumbing of the financial services ecosystems.

It is clear that many financial services firms are either seriously considering how to utilise blockchain within their organisation or are already putting this technology into practice.

However, with any new technology there are challenges to be overcome. Recruiting the right people is one such challenge, regulation is another, and technical considerations related to the technology itself another.

The R3 CEV consortium member banks are:

Global Financial Institution	R3cev Product	"Participants Bank in the R3 CEV Distributed Ledger Technology"
Banco Santander	Distributed ledger	Banco Santander in Spain has interest in distributed ledger.
Bank of America	Distributed ledger	Bank of America in the United States of America (USA) has interest in distributed ledger.
Barclays	Distributed ledger	Barclays in the United Kingdom (UK) has interest in distributed ledger.
BBVA	Distributed ledger	BBVA in Spain has interest in distributed ledger.
BMO Financial Group	Distributed ledger	Bank of Montreal (BMO) Financial Group in Canada has interest in distributed ledger.
BNP Paribas	Distributed ledger	BNP Paribas Blockchain in Paris France has interest in distributed ledger.
BNY Mellon	Distributed ledger	The Bank of New York (BNY) Mellon Corporation in New York USA has interest in distributed ledger.
CIBC	Distributed ledger	Canadian Imperial Bank of Commerce (CIBC) in Canada has interest in distributed ledger.
Commonwealth Bank of Australia	Distributed ledger	Commonwealth Bank of Australia in Australia has interest in distributed ledger.
Citi	Distributed ledger	Citi in USA has interest in distributed ledger.
Commerzbank	Distributed ledger	Commerzbank LDN in Germany has interest in distributed ledger.
Credit Suisse	Distributed ledger	Credit Suisse in Zurich, Switzerland has interest in distributed ledger.
Danske Bank	Distributed ledger	Danske Bank in Denmark has interest in distributed ledger.
Deutsche Bank	Distributed ledger	Deutsche Bank in Germany has interest in distributed ledger.
J.P. Morgan	Distributed ledger	J.P. Morgan in USA has interest in distributed ledger.
Goldman Sachs	Distributed ledger	Goldman Sachs in USA has interest in distributed ledger. However, Goldman Sachs Group Inc has dropped out of the R3CEV LLC blockchain group according to the Wall Street Journal, Monday 21st November 2016 edition. The investment bank was one of the original members of R3 CEV, founded in 2014 to explore the use of distributed database technology in Wall Street infrastructure.
HSBC	Distributed ledger	HSBC in UK has interest in distributed ledger.
ING Bank	Distributed ledger	ING Bank in Netherlands/Holland has interest in distributed ledger.
Intesa Sanpaolo	Distributed ledger	Intesa Sanpaolo in Turin, Italy has interest in distributed ledger.
Macquarie Bank	Distributed ledger	Macquarie Bank in Sydney, Australian has interest in distributed ledger.
Mitsubishi UFJ Financial Group	Distributed ledger	Mitsubishi UFJ Financial Group in Chiyoda, Tokyo, Japan has interest in distributed ledger.
Mizuho Financial Group	Distributed ledger	Mizuho Financial Group (MHFG) in Chiyoda, Tokyo, Japan has interest in distributed ledger.
Morgan Stanley	Distributed ledger	Morgan Stanley in USA has interest in distributed ledger.
National Australia Bank	Distributed ledger	National Australia Bank in Australia has interest in distributed ledger.
Natixis, Nomura	Distributed ledger	Natixis, Nomura in France has interest in distributed ledger.
Nordea Bank AB	Distributed ledger	Nordea Bank AB in Stockholm, Sweden has interest in distributed ledger.
Northern Trust	Distributed ledger	The Northern Trust Company in Canary Wharf Group, London UK has interest in distributed ledger.
OP Financial Group	Distributed ledger	OP Financial Group in Helsinki, Finland has interest in distributed ledger.
Scotiabank	Distributed ledger	The Bank of Nova Scotia operating as Scotiabank in Toronto, Ontario Canada has interest in distributed ledger.
State Street	Distributed ledger	State Street Corporation, known as State Street in USA has interest in distributed ledger.
Sumitomo Mitsui Banking Corporation	Distributed ledger	Sumitomo Mitsui Banking Corporation in Yurakucho, Chiyoda, Tokyo, Japan has interest in distributed ledger.
Royal Bank of Canada	Distributed ledger	Royal Bank of Canada in Canada has interest in distributed ledger.
Royal Bank of Scotland	Distributed ledger	Royal Bank of Scotland in UK has interest in distributed ledger.
SEB	Distributed ledger	Skandinaviska Enskilda Banken AB abbreviated SEB in Stockholm, Sweden has interest in distributed ledger.
Societe Generale	Distributed ledger	Societe Generale in Paris, France has interest in distributed ledger.
Toronto-Dominion Bank	Distributed ledger	Toronto-Dominion Bank in Toronto, Ontario, Canada has interest in distributed ledger.
UBS	Distributed ledger	Union Bank of Switzerland in Switzerland has interest in distributed ledger.
UniCredit	Distributed ledger	UniCredit bank in Italy has interest in distributed ledger.
U.S. Bancorp	Distributed ledger	U.S. Bancorp in Minneapolis, Minnesota, United States has interest in distributed ledger.
Wells Fargo	Distributed ledger	Wells Fargo in San Francisco, California, USA has interest in distributed ledger.
Westpac Banking Corporation	Distributed ledger	Westpac Banking Corporation in Australia has interest in distributed ledger.

What can a company sell?

Today a company can sell the Universal Payment Framework which can be used to connect customers' existing payment technology to a distributed ledger.

So, does a company have a blockchain to sell?

No, a company does not have a blockchain to sell. Rather it sell the tools to enable customers to connect to this technology.

Who owns the blockchain?

Nobody "owns" the blockchain. Rather it is a distributed database that maintains a continuously growing list of data records that are hardened against tampering and revision, even by operators of the data store's nodes.

Customers could work together to develop a private, permissioned based ledger. Although nobody would own this ledger, entry into the network and the ability to conduct transactions would be controlled by members.

Why should a company be interested?

Product Managers and Marketers should learn more about the blockchain as it is huge industry trend with potential roadmap implications.

Additionally, clients might ask you about the a company position giving you an opportunity to talk about the company proof of concept.

For sales you customers will be talking about it at the "C-Level".

It's a hot topic, the industry is making strategic decisions and you need to know blockchain at a high level to "challenge" your customers.

Why do our customers care?

Customers care as it has potential to:-

• Reduce settlement times
• Save billions of dollars in payment related fees
• Reduce the overall costs of payment transactions

Additionally, they can simplify, speed up and make payments more secure.

• Simplification
• There is a potential to simplify the process of a payments transaction
• Electronic micropayments are possible on a mass scale with simplified processes
• Large business-to-business transfers could be completed with significantly lower costs
• Speed
• There is a potential to reduce the settlement window from days to seconds
• Security
• Fraud could be reduced between trusted parties
• More reliable, true information is achievable with a blockchain system

Blockchain has the potential to do away with the problems associated with "opaque supply chains"

What's next for a company?

A company are actively working with customers across the world to assess the potential impact to their business models and technologies

Use cases have been identified and are being explored. A company will continue to explore the functionality and scalability of blockchain technologies.

The UP Framework, will be used to connect customer assets to the blockchain

If you speak with a customer about blockchain, what can you say?

A company has a position of cautious and pragmatic optimism. May be you recently completed a proof of concept and the UP Framework can be used to connect existing payment assets to a distributed ledger.

May be you are currently working on 15 plus use cases and are inviting customers to collaborate with you to realize the potential of this technology.

What is a private ledger?

A private ledger is a private network, participants trust each other removing the need to go out to the "nodes of trust".

Validation by consensus does not need to take place, blocks of transactions are recorded on the private network ledger. Blocks are still recorded on a distributed database.

Blockchain Technology Group

The Business Community of the blockchain technology group mission is to generate message format standards for Blockchain based on ISO20022 and togenerate guidelines for records usage of the storage including torrent, public blockchain, side chain and CDN.

The Blockchain technology group business community willstudy and evaluate new technologies related to blockchain, and use cases such as interbank communications.

Note that the blockchain technology group are proposed and run by the business community. Although W3C hosts these conversations, the technology groups do not necessarily represent the views of the W3C Membership or staff of W3C.

The blockchain technology group fo have a webinars or bi-weekly WebEx teleconference schedule at the following times by the cities as shown below:

Bi-weekly Teleconference Schedule of the Blockchain Technology Group

• Corresponding UTC: Wednesday 16:00
• London, United Kingdom : Wednesday 04:00 PM. GMT
• New York, USA: Wednesday 11:00 AM. EST
• San Francisco, USA: Wednesday 08:00 AM. PST
• Seoul, South Korea : Thursday 01:00 AM. KST

Blockchain Address and Customer support information

The question we're asking... How to read blockchain info? The information of the Blockchain address or Blockchain info address:-
The Email blockchain address of the blockchain technology group
public-blockchain@w3.org
Website of the Blockchain Technology Group:
https://www.w3.org/community/blockchain/

Or even http://www.blockchain.com or blockchain.com, http://www.blockchain.info, blockchain.app, or blockchain.news, blockchain.wiki, blockchain.info/fees, blockchain.info/review.

Very soon we may see blockchain.bitcoin or blockchain bitcoin wallet and blockchain.blog which writes daily download blockchain technology, bitcoin and blockchain wallet login.

On concall minutes repository of the Blockchain Technology Group, for example, call minutes for teleconference call on 01/12/2016 is at:
https://www.w3.org/community/blockchain/2016/12/01/blockchaincg-concall-minutes/


The Blockchain Technology Group's Issue Tracker is at:
https://www.w3.org/community/blockchain/2016/06/23/blockchaincg-issue-tracker/

Blockchain Technology Group Person Name	Organization Name	"Participants or Chairperson duties in the Blockchain Technology Group Business Community"
Doug Schepers	W3C	Chairperson duties in Blockchain Technology Group
Youngwhan Lee	Konkuk University	Chairperson duties in Blockchain Technology Group
Marta Piekarska	Blockstream	Chairperson duties in Blockchain Technology Group
Abueesp Alfredo	Blockchain uses research and Wallet Applications software	Participants in block chain technology group
Adrian Gropper	Blockchain uses research and Wallet applications software	Participants in block chain technology group
Adan Sanchez de Pedro	Stampery, Ltd	Participants in block chain technology group
Adrian Nish	BAE Systems	Participants in block chain technology group
Ajay Rambocus	Blockchain uses research and Wallet applications software	Participants in block chain technology group
ALAIN BREGY	Blockchain uses research and Wallet applications software	Participants in block chain technology group
Allan Kim	Blockchain uses research and Wallet applications software	Participants in block chain technology group
Anshuman Moni	Blockchain uses research and Wallet applications software	Participants in block chain technology group
Anthony Mo	Individual CLA commitment but affiliated with The Hong Kong & China Gas Company Limited	Participants in block chain technology group
Benedikt Herudek	Blockchain uses research and Wallet applications software	Participants in block chain technology group
Bertrand Jeannet	CANTON CONSULTING	Participants in block chain technology group
Boaz Sender	Blockchain uses research and Wallet applications software	Participants in block chain technology group
Boris Agatic	Blockchain uses research and Wallet applications software	Participants in block chain technology group
calvin heo	Blockchain uses research and Wallet applications software	Participants in block chain technology group
Chaenam Jun	Blockchain uses research and Wallet applications software	Participants in block chain technology group
Chi Heng Chung	Blockchain uses research and Wallet applications software	Participants in block chain technology group
Christopher Allen	Blockstream	Participants in block chain technology group
Chunming Hu	W3C	Participants in block chain technology group
Daniele Levi	Stampery, Ltd	Participants in block chain technology group
David Costa Faidella	Thomson Reuters	Participants in block chain technology group
Dean Bubley	Disruptive Analysis	Participants in block chain technology group
DongOk Ryu	NomadConnection	Participants in block chain technology group
Eileen Quenin	Walt Disney Company	Participants in block chain technology group
Frederick Hirsch	Blockchain uses research and Wallet applications software	Participants in block chain technology group
Haijun Liu	ZTE Corporation	Participants in block chain technology group
Harry Halpin	W3C	Participants in block chain technology group
Harsh Patel	Algorythmix.in	Participants in block chain technology group
Heonseob Lee	Blockchain uses research and Wallet applications software	Participants in block chain technology group
Hyugsoon Kwon	Kookmin Bank	Participants in block chain technology group
Hyun su Cho	Blockchain uses research and Wallet applications software	Participants in block chain technology group
Hyunbeom Heo	Blockchain uses research and Wallet applications software	Participants in block chain technology group
Inho Cho	Blockchain uses research and Wallet applications software	Participants in block chain technology group
Jacques Favier	Le Cercle du Coin	Participants in block chain technology group
Jake Benson	Libra	Participants in block chain technology group
Jean-Yves ROSSI	CANTON CONSULTING	Participants in block chain technology group
Jihwan RHIE	Blockchain uses research and Wallet applications software	Participants in block chain technology group
Kangmo Kim	scalechain	Participants in block chain technology group
Karan Bharadwaj	Besurance Corporation	Participants in block chain technology group
Kazuyuki Morohosh	Drecom Co. Ltd	Participants in block chain technology group
KC Joel Yang	Blockchain uses research and Wallet applications software	Participants in block chain technology group
Keiji Takeda	W3C	Participants in block chain technology group
Ken Carroll	BumpConductor	Participants in block chain technology group
Kiara Robles	Blockstream	Participants in block chain technology group
Kihyun Kim	LG CNS	Participants in block chain technology group
KyungRak Hwang	Blockchain uses research and Wallet applications software	Participants in block chain technology group
Lilian Leung	Commonwealth Bank of Australia	Participants in block chain technology group
Luis Meijueiro	Fundacion CTIC	Participants in block chain technology group
Manu Sporny	Digital Bazaar	Participants in block chain technology group
Matthias Hehn	Blockchain uses research and Wallet applications software	Participants in block chain technology group
Melvin Carvalho	Blockchain uses research and Wallet applications software	Participants in block chain technology group
Michael Petychakis	National Technical University of Athens	Participants in block chain technology group
Michael Youssefmir	Blockchain uses research and Wallet applications software	Participants in block chain technology group
Michelle Abraham	Blockchain uses research and Wallet applications software	Participants in block chain technology group
Mohamed ZERGAOUI	INNOVIMAX	Participants in block chain technology group
Mountie Lee	PayGate	Participants in block chain technology group
Naomi Yoshizawa	W3C	Participants in block chain technology group
Newton Calegari	NIC.br - Brazilian Network Information Center	Participants in block chain technology group
Phillip Huh	Electronics and Telecommunications Research Institute (ETRI)	Participants in block chain technology group
Pindar Wong	Blockchain uses research and Wallet applications software	Participants in block chain technology group
Priya Priya	Blockchain uses research and Wallet applications software	Participants in block chain technology group
Rob Myers	Individual CLA commitment but affiliated with Creative Commons	Participants in block chain technology group
Rodolphe Marques	BigchainDB	Participants in block chain technology group
Rouven Heck	Individual CLA commitment but affiliated with ConsenSys	Participants in block chain technology group
S. Matthew English	University of Bonn	Participants in block chain technology group
Sam Carecho	Blockchain uses research and Wallet applications software	Participants in block chain technology group
SAM Cooper	Blockchain uses research and Wallet applications software	Participants in block chain technology group
Samer Hassan	Individual CLA commitment but affiliated with Universidad Complutense de Madrid	Participants in block chain technology group
Samuel Weiler	W3C	Participants in block chain technology group
Sangrae Cho	Electronics and Telecommunications Research Institute (ETRI)	Participants in block chain technology group
Sebastien Meunier	Chappuis Halder & Co	Participants in block chain technology group
Seung-Eun Baeck	LG CNS	Participants in block chain technology group
Shiang Chen Liew	Blockchain uses research and Wallet applications software	Participants in block chain technology group
Shin'ichiro Matsuo	MagicCube Inc.	Participants in block chain technology group
Simone Bellucco	Blockchain uses research and Wallet applications software	Participants in block chain technology group
Simon Taylor	Blockchain research and development, Barclays blockchain	Participants in block chain technology group
SJ Park	Blockchain uses research and Wallet applications software	Participants in block chain technology group
Sonny King	Blockchain uses research and Wallet applications software	Participants in block chain technology group
Sreejith Anavangot	UST Global	Participants in block chain technology group
Sunghyun Park	Blockchain uses research and Wallet applications software	Participants in block chain technology group
Taehyoung Shim	Electronics and Telecommunications Research Institute (ETRI)	Participants in block chain technology group
Todd Alexander	eVue Digital Labs	Participants in block chain technology group
Tony Arcieri	Blockchain uses research and Wallet applications software	Participants in block chain technology group
Trent McConaghy	BigchainDB	Participants in block chain technology group
Vagner Diniz	NIC.br - Brazilian Network Information Center	Participants in block chain technology group
Victoria Lemieux	University of British Columbia	Participants in block chain technology group
Vincent Bonnet	Blockchain uses research and Wallet applications software	Participants in block chain technology group
Voncelle Volte	Blockchain uses research and Wallet applications software	Participants in block chain technology group
Wayne Vaughan	Tierion	Participants in block chain technology group
Wendy Seltzer	W3C	Participants in block chain technology group
Will Wang	Blockchain uses research and Wallet applications software	Participants in block chain technology group
Won-Beom Kim	Blockchain uses research and Wallet applications software	Participants in block chain technology group
WonSuk Lee	Electronics and Telecommunications Research Institute (ETRI)	Participants in block chain technology group
Yongkwan Choi	Blockchain uses research and Wallet applications software	Participants in block chain technology group
Young In Lee	Blockchain uses research and Wallet applications software	Participants in block chain technology group
Yuki Matsuda	UNI K.K.	Participants in block chain technology group
Yun Park	Blockchain uses research and Wallet applications software	Participants in block chain technology group