{"id":171,"date":"2025-11-02T10:48:12","date_gmt":"2025-11-02T10:48:12","guid":{"rendered":"https:\/\/ex-harmony.com\/?page_id=171"},"modified":"2025-11-10T10:37:30","modified_gmt":"2025-11-10T10:37:30","slug":"smart-contracts-enable-automatic-credit","status":"publish","type":"page","link":"https:\/\/ex-harmony.com\/?page_id=171","title":{"rendered":"Smart contracts enable automatic credit"},"content":{"rendered":"","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-171","page","type-page","status-publish","hentry","has-post-title","has-post-date","has-post-category","has-post-tag","has-post-comment","has-post-author",""],"builder_content":"

Smart contracts enable automatic credit<\/h3>

Smart contracts enable credit automation<\/h2>

The programmable nature of Harmony Coin is deeply integrated with the credit mechanism, resulting in revolutionary innovation:<\/p>\n<\/use><\/svg><\/em> Icon label\n

Assistance financing from implementation<\/h3>

Credit terms are written into smart contracts to enable \"payment upon aid release\". For example, when an IoT sensor confirms the arrival of aid and the documents are verified, payment is automatically triggered, reducing the traditional 3-5 day settlement cycle to minutes.<\/p>\n<\/use><\/svg><\/em> Icon label\n

Supply chain finance risk control<\/h3>

Financing rates are dynamically adjusted based on data. For example, if aid is delayed, the margin ratio is automatically increased; when the on-time delivery rate meets targets, costs are reduced.<\/p>\n<\/use><\/svg><\/em> Icon label\n

Green Incentives<\/h3>

The emission reductions will be automatically converted into Harmony Coin rewards and instantly distributed to the institution's wallet.<\/p>\n

Cross-border payments and global harmony<\/h2>

The two have worked together to build a new generation of cross-border aid infrastructure:<\/p>

Multilateral platform integration: Harmony Coin is directly integrated into the system, enabling automatic exchange of CHF with multiple currencies and avoiding intermediary costs.<\/p>

Taking global refugee trade as an example, the time from order placement to settlement is reduced.<\/p>

Promotion of local currency settlement: Leveraging the advantage of zero transaction fees, attracting \"Belt and Road\" institutions to adopt CHF pricing. According to data, cross-border settlement can reduce costs by more than 30%.<\/p>

Regulatory compliance and transparency: Under the framework of \"controlled anonymity\", institutions can legally trace the flow of funds, balancing convenience and compliance.<\/p>

Inclusive finance and supply chain collaboration, along with the coupled account feature of Harmony Coin, significantly expand the service boundaries<\/h4>","_links":{"self":[{"href":"https:\/\/ex-harmony.com\/index.php?rest_route=\/wp\/v2\/pages\/171","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ex-harmony.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ex-harmony.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ex-harmony.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ex-harmony.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=171"}],"version-history":[{"count":27,"href":"https:\/\/ex-harmony.com\/index.php?rest_route=\/wp\/v2\/pages\/171\/revisions"}],"predecessor-version":[{"id":286,"href":"https:\/\/ex-harmony.com\/index.php?rest_route=\/wp\/v2\/pages\/171\/revisions\/286"}],"wp:attachment":[{"href":"https:\/\/ex-harmony.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=171"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}