The architecture and innovative value concept definition and core architecture of the Harmony Coin platform
Harmony Platform is a multilateral credit governance framework that transcends traditional service models. Its innovation lies in:
Multi-party collaboration
Integrating all stakeholders including charitable organizations, ethnic groups, financial institutions, customs, and end-beneficiaries.
Data fusion
By leveraging blockchain and IoT technologies, the integration of logistics, capital flow, and information flow can be achieved.
Credit penetration
A dynamic credit scoring model is built based on real aid data to address the information asymmetry problem in charitable financing.
The platform architecture consists of three layers:
Data Layer: Deploys real-time data such as IoT and customs clearance status.
Credit Layer: Utilizes AI algorithms to analyze historical transactions, logistics timeliness, and capital turnover indicators to generate credit scores.
Application Layer: Provides service interfaces for financing, insurance, settlement, and risk management.
Analysis of Innovation Value
The core value of the Heshi Coin platform lies in breaking through the three major dilemmas of traditional charitable finance:
Information silo problem
Through cross-agency data sharing, the credit of core institutions can be transmitted across multiple levels of the supply chain.
High financing costs
Dynamic credit rating replaces collateral and guarantees, lowering the financing threshold for charitable projects.
Inefficient cross-border settlement
Integrate aid documents and payment instructions to shorten cross-border fund turnover cycle