Business

MoneyTrack – Plate-forme d’amélioration de l’argent dirigé

MoneyTrack, une jeune startup basée en France, cherche à révolutionner le flux d’argent dirigé en utilisant la technologie de la blockchain pour une une gestion partagée, sécurisée, traçable, fiable et automatisée pour l’entreprise.

Qu’est-ce que l’argent dirigé?

Le document d’une page de la startup MoneyTrack désigne l’argent dirigé ( « directed money » en anglais)  comme étant des fonds transférés assortis de certaines conditions, telles que l’achat d’un type spécifique de produit chez un marchand spécifique, dans des conditions elles aussi, spécifiques.

Voici quelques exemples:

  • Crédit à la consommation
  • Cartes cadeaux
  • Paiements d’assurance
  • Programmes de bien-être
  • Aide internationale

À l’heure actuelle, les mises en œuvre de l’argent dirigé sont très centralisées, sur carte ou sur papier, tout en étant coûteuses et inefficaces, même si seul le crédit à la consommation représente un marché de 1 200 milliards de dollars.

MoneyTrack sera basé sur Tezos

Comme la technologie de la blockchain perturbe profondément le secteur financier traditionnel, MoneyTrack est déterminée à mettre en place une gestion partagée, sécurisée, traçable, fiable et automatisée de l’argent dirigé en tant que produit unique sur le marché.

Selon leur site officiel, «MoneyTrack fonctionnera sur une version personnalisée de Tezos, ce qui signifie que sa conception utilise des techniques de pointe pour la vérification formelle des contrats intelligents, des algorithmes à connaissance nulle et une analyse statique du code pour atteindre des niveaux de sécurité logiciels critiques».

Le point central de l’écosystème MoneyTrack est le token/ monnaie d’utilitaire appelé MTK entièrement prédéfini.

Le token MTK reprend les termes de chaque programme d’argent dirigé (marchands autorisés, commission, etc.).

En outre, il contient des règles relatives à la circulation des fonds via les portefeuilles MoneyTrack des bailleurs de fonds, des bénéficiaires et des commerçants pour exécuter les transactions.

Une planification économique solide

En fait, deux sources de revenus vont alimenter MoneyTrack:

Les financeurs – vont payer les frais de plateforme pour les services de paiement

Les marchands – vont payer des commissions d’affiliation pour les affaires entrantes.

Ces deux solutions assureront à la société de bonnes marges de profit tout en réduisant les prix du marché grâce à la technologie de la blockchain.

La sécurité du code

L’une des principales caractéristiques de la technologie blockchain est sa sécurité.

La technologie de MoneyTrack met en œuvre la dernière avancée en matière d’analyse statique du code et de vérification formelle en mathématiques pour garantir la sécurité et la fiabilité de la blockchain utilisée.

De plus, le projet MoneyTrack a reçu un financement en fonds propres, ainsi que le soutien financier et en recherche et développement de certaines des principales institutions scientifiques françaises en mathématiques et en cryptographie.

Le Future

Comme MoneyTrack en est encore à ses balbutiements, ils ont encore devant eux, une une longue feuille de route et de nombreux défis à relever.

Cependant, il est toujours agréable de voir un projet aussi ambitieux que MoneyTrack se propager dans le monde des startups.

La feuille de route mentionnée va jusqu’au deuxième trimestre de l’année 2020, ce qui est une rareté dans ce secteur, et les investisseurs peuvent compter sur tous les avantages qui se présenteront sur la route longue et difficile qui mènera à un  succès certain.

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