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      "body": "![logo.png](https://cdn.steemitimages.com/DQmPDzrreSU5m3GW2bUkqoNmirXHDtPpBF3tCeAJhHqRKqp/logo.png)\n\nIntroduction to the DCC Company and the Project\n\n\nBlockchain based innovations in the fields of banking and finance are one of the most challenging ones, because there are many legal obstacles that should be overcome. \nTraditional banking system was established in medieval Italy and since then it has proved its position as the best financial institutions. All financial institutions profit from the creation and flow of money and together with the support of the state their status remained unchanged for more than 500 years.\n\nHowever, the digital era forced banking institutions to change their operational models in order to respond to people’s needs. Distributed Banking is a revolutionary concept that is difficult for perception and mass adoption at first. It is an alternative solution of the conventional financial institutions that provides fair return earnings from financial services to all parties involved. \n\nThe peer-to-peer model of the Blockchain will fundamentally transform the management structure of the traditional banking system into flat Distributed Banking. Thus, transfigurations of some of the core financial instruments will occur – from asset business to distributed credit reporting and from liability business to distributed wealth management.\n\nThe beginning of this new stage in financial system is the launch of Distributed Credit Chain. As I wrote above, changes in this field require time, so the company’s plan will take from five to ten years to realize its project and become a key factor of new finance. There is a complex technological background implemented in the platform to solve centralized credit problem.\n\nThe first step is related to user identification and verification. Every user of the DCC platform, either individual or institution, has a generated member ID called DCCID. Users can generate their DCCIDs offline, but they will need internet connection when information should be stored on the DCC cloud server. \n\nThe system use smart contract and forms of the encryption and decryption with private keys and input passwords (salt) in order to fully protect the users.\n![tech_info.png](https://cdn.steemitimages.com/DQmanK2WwQB6ebi9fA8KKt8oHxfDhVry8dJPKikacLBRbMX/tech_info.png)\n\nThe DCC Open Platform provides DIV (Distributed Identity Verification) to hand of every users. It allows them to decide how to storage and proceed with their personal data. The data would not be given or held by any intermediaries and together with the means of digital signatures full protection is guaranteed. \n\nThe algorithms used in transactions and financial service are irreversible, which means that data on the chain cannot be decoded. All these measures are essential for this particular platform as the financial industry has extremely high security requirements. DCC platform invested a lot of efforts in order to be competitive with traditional banking.\n\nBasic Elements\n\n\nThe team behind this challenging project is not big – only 9 people as three of them are part of the Core Team, while the other six are Advisors. All of them are from Asian origin. They are professionals mainly in the fields of economics, finance, statistics and financial engineering. \n\nThey have in-depth knowledge of this matter which allows them to create and develop an innovative approach in the traditional financial industry. The members of the Core Team are Stewie Zhu, Stone Shi and Dr. Daniel Lu. \n\nI am personally fascinated by their academic work and achievements in notorious universities – University of Leipzig, Yale University and Nanjing University. There are many proofs in world history that university lecturers can drive progress.\n![team_dcc.jpg](https://cdn.steemitimages.com/DQmdy5pVx6LyK2WfoZSENq2QeTvxQhPkWqkoDgpN8VPBaKJ/team_dcc.jpg)\n\nThe roadmap available on the official site cover a time span between 2017 and 2020. In September 2017 unified identity system was established. The biggest step in the realization of this amazing idea was the launch of Distributed Credit Chain open platform. \n\nThis proves that the company is headed to the right direction and it has both financial and human resources to fulfill the remaining step to its final completion. In the long term DCC public chain migration is the next milestone.\n\nThis company has established a recognizable brand and because of it managed to collect 14,498.935 ETH in Public Sale. This impressive fund raising was achieved only in 20 minutes in 2 private rounds. The amount equals 26.2 million dollars. The total supply of ERC20 tokens will be 10,000,000,000.\n\nThe whitepaper of DCC is a 70-page-document. It lacks active content panel which is a main disadvantage, because it contains many chapters and subchapters and people experience difficulties in finding a particular section. \n\nAs there are no standards in the presentation of the whitepaper sections, it could be confusing and time-consuming to find the needed information. Most of the document consist of text; rarely charts and pictures are used. The language used is intended for people with knowledge in economic and IT fields.\n\nThe official website has a straightforward design. The homepage is like a brief presentation of the idea, the company and its roadmap. When you scroll till the end you will get the core information. I consider this reasonable, because if someone gets into this project, they have opportunities to read more on the whitepaper. \n\nThe information provided on the website should not be boring. Additionally, there are four buttons on the upper left side which redirect the user to the respective content: Token, ICO, Explorer and Open Platform. The last one is of greatest interest to me.\n\nConclusion\n\n\nDCC has already created a Beta version of their Open Platform. This is a big difference between the DCC Company and the other ones with similar ideas. It is more trustful when you have a real product or service. The open platform allows users to try its capabilities and features, to see how they actually work and to become part of the process. \n\nThe Open Platform API is coming soon and all people will be able to register their accounts and to test this alternative solution in comparison with the operating ones. Thus, customers’ engagement and loyalty become higher which is the main purpose of every ICO.\n![beta_platform.png](https://cdn.steemitimages.com/DQmeoEZhzXUJWzN53Xr7cyg9YiSmSDC2oRgoFwMdDCuRJrA/beta_platform.png)\n\nDCC platform is an open ecosystem where many participants are welcomed to enter the financial market. There are no intermediaries between financing loans institutions and people needed credits. \n\nActually, all parties involved in the platform can participate in the process of financing or to be financed as there are no restraints like thresholds and special conditions. The structure of the platform provides greater freedom in both risk control efficiency and interest rate market based fluctuations.\n\n\n\nDisclosure:\n\nBased on the ICO team’s discretion, I might receive a reward for this article. I am not paid in advance for writing it. All opinions are mine.\n\n\nDCC Official Website: http://dcc.finance/\n\nDCC Whitepaper: http://dcc.finance/file/DCCwhitepaper.pdf\n\nMy Bitcointalk profile: https://bitcointalk.org/index.php?action=profile;u=1644535\n\nMy Username: alekscrypto3969",
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