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Н Новости

Бутерин представил концепцию ZKID как основу для новых финансовых моделей

Становление «низкорискового DeFi» и прорывные приложения на основе ZKID способны трансформировать финансовые рынки. Об этом в разговоре с председателем HashKey Group Сяо Фэном заявил соучредитель Ethereum Виталик Бутерин, пишет китайский журналист Колин Ву.

«В последнее время я много говорю о ZKID. Почему? Потому что идентичность и конфиденциальность крайне важны в современном мире», — отметил он.

По словам программиста, централизованные базы данных «неизбежно взламывают», из-за чего происходят утечки. ZKID использует zk-SNARKs для верификации информации без участия третьих лиц.

Бутерин отметил, что технологию можно использовать при недостаточно обеспеченном кредитовании. Заемщик может доказать платежеспособность через анализ транзакционной истории, и при этом ему не потребуется раскрывать полный объем активов.

«Искусственный интеллект и криптовалюты рассматриваются как четвертая промышленная революция, и она тоже должна принести с собой новые финансовые услуги. […] Возможно, появятся новые модели привлечения средств. Представьте, что предприниматели смогут использовать ZKID для привлечения $100 000 по всему миру», — дополнил Фэн.

Ранее соучредитель Ethereum представил концепцию «плюралистической идентификации». В этой системе ни один орган не контролирует полностью выдачу цифровых ID.

По его словам, это усиливает защиту приватности, которую Бутерин считает основой свободы.

В разговоре председатель HashKey также затронул границы децентрализации приложений. Фэн обратил внимание на парадокс стейблкоинов: при децентрализованной инфраструктуре они всегда зависят от централизованного эмитента вроде Circle.

Бутерин признал, что многие приложения не могут существовать без элемента доверия, и иногда он реализуется через централизованные компоненты.

«Возьмем электронную почту: теоретически это децентрализованный протокол, но на практике доминируют несколько крупных платформ. Блокчейн все же предлагает важные преимущества: даже если L2 полуцентрализован, пользователи могут самостоятельно выводить свои активы через контракты на L1. Это реальное преимущество», — добавил соучредитель Ethereum.

Бутерин также отметил растущую роль ИИ в платежах. Согласно его прогнозам, в ближайшие пять или 10 лет искусственный интеллект начнет обрабатывать «множество микроплатежей». Однако для крупных сумм полная автоматизация слишком рискованна.

«ИИ слишком легко атаковать. Но для небольших платежей он подойдет. Еще искусственный интеллект может служить инструментом риск-менеджмента для крупных переводов — проверяя, выглядит ли транзакция в $100 000 подозрительной или нет. Я думаю, мы постепенно откроем правильные способы сочетания ИИ с платежами. Успехи будут, но не обойтись и без ошибок», — пояснил он.

Напомним, Бутерин относится к искусственному интеллекту с осторожностью — в августе он заявлял, что сверхразумный ИИ может стать катастрофой. Соучредитель Ethereum также предупреждал об опасности управления с помощью этой технологии в криптоиндустрии.

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