{"id":75,"date":"2025-11-02T09:51:29","date_gmt":"2025-11-02T09:51:29","guid":{"rendered":"https:\/\/ex-harmony.com\/?page_id=75"},"modified":"2025-11-10T10:28:51","modified_gmt":"2025-11-10T10:28:51","slug":"the-architecture-and-innovative-value-concept-definition-and-core-architecture-of-the-harmony-coin-platform","status":"publish","type":"page","link":"https:\/\/ex-harmony.com\/?page_id=75","title":{"rendered":"The architecture and innovative value concept definition and core architecture of the Harmony Coin platform"},"content":{"rendered":"<!-- wp:themify-builder\/canvas \/-->","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-75","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":"<h3>The architecture and innovative value concept definition and core architecture of the Harmony Coin platform<\/h3> <p>\u00a0<b>Harmony Platform is a multilateral credit governance framework that transcends traditional service models. Its innovation lies in:<\/b><\/p>\n<h3>Multi-party collaboration<\/h3> <p>Integrating all stakeholders including charitable organizations, ethnic groups, financial institutions, customs, and end-beneficiaries.<\/p>\n<h3>Data fusion<\/h3> <p>By leveraging blockchain and IoT technologies, the integration of logistics, capital flow, and information flow can be achieved.<\/p>\n<h3>Credit penetration<\/h3> <p>A dynamic credit scoring model is built based on real aid data to address the information asymmetry problem in charitable financing.<\/p>\n<p><b>The platform architecture consists of three layers:<\/b><\/p> <p>Data Layer: Deploys real-time data such as IoT and customs clearance status.<\/p> <p>Credit Layer: Utilizes AI algorithms to analyze historical transactions, logistics timeliness, and capital turnover indicators to generate credit scores.<\/p> <p>Application Layer: Provides service interfaces for financing, insurance, settlement, and risk management.<\/p>\n<h3>Analysis of Innovation Value <\/h3> <p><b>The core value of the <\/b><b>Heshi<\/b><b> Coin platform lies in breaking through the three major dilemmas of traditional charitable finance:<\/b><\/p>\n<em style=\"color:#333\" ><svg aria-hidden=\"true\"><use href=\"#tf-ti-stats-up\"><\/use><\/svg><\/em> Icon label\n<h3>Information silo problem<\/h3> <p>Through cross-agency data sharing, the credit of core institutions can be transmitted across multiple levels of the supply chain.<\/p>\n<em style=\"color:#333\" ><svg aria-hidden=\"true\"><use href=\"#tf-ti-money\"><\/use><\/svg><\/em> Icon label\n<h3>High financing costs<\/h3> <p>Dynamic credit rating replaces collateral and guarantees, lowering the financing threshold for charitable projects.<\/p>\n<em style=\"color:#333\" ><svg aria-hidden=\"true\"><use href=\"#tf-ti-world\"><\/use><\/svg><\/em> Icon label\n<h3>Inefficient cross-border settlement<\/h3> <p>Integrate aid documents and payment instructions to shorten cross-border fund turnover cycle<\/p>","_links":{"self":[{"href":"https:\/\/ex-harmony.com\/index.php?rest_route=\/wp\/v2\/pages\/75","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=75"}],"version-history":[{"count":37,"href":"https:\/\/ex-harmony.com\/index.php?rest_route=\/wp\/v2\/pages\/75\/revisions"}],"predecessor-version":[{"id":269,"href":"https:\/\/ex-harmony.com\/index.php?rest_route=\/wp\/v2\/pages\/75\/revisions\/269"}],"wp:attachment":[{"href":"https:\/\/ex-harmony.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=75"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}