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      "body": "Congratulations @hanizo! You received a personal award!\n\n<table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@hanizo/birthday2.png</td><td>Happy Birthday! - You are on the Steem blockchain for 2 years!</td></tr></table>\n\n<sub>_You can view [your badges on your Steem Board](https://steemitboard.com/@hanizo) and compare to others on the [Steem Ranking](https://steemitboard.com/ranking/index.php?name=hanizo)_</sub>\n\n\n**Do not miss the last post from @steemitboard:**\n<table><tr><td><a href=\"https://steemit.com/steemfest/@steemitboard/steemfest-meet-the-stemians-contest-the-mysterious-rule-revealed\"><img src=\"https://steemitimages.com/64x128/https://cdn.steemitimages.com/DQmasWw4jQHwxng82DKxY6Q6tVg9mWcto4xcDURs8knFgCa/image.png\"></a></td><td><a href=\"https://steemit.com/steemfest/@steemitboard/steemfest-meet-the-stemians-contest-the-mysterious-rule-revealed\">SteemFest Meet The Stemians Contest - The mysterious rule revealed</a></td></tr><tr><td><a href=\"https://steemit.com/steemfest/@steemitboard/steemfest-meet-the-steemians-contest\"><img src=\"https://steemitimages.com/64x128/https://cdn.steemitimages.com/DQmasWw4jQHwxng82DKxY6Q6tVg9mWcto4xcDURs8knFgCa/image.png\"></a></td><td><a href=\"https://steemit.com/steemfest/@steemitboard/steemfest-meet-the-steemians-contest\">SteemFest⁴  - Meet the Steemians Contest</a></td></tr></table>\n\n###### [Vote for @Steemitboard as a witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1) to get one more award and increased upvotes!",
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      "body": "Congratulations @hanizo! You have received a personal award!\n\n[![](https://steemitimages.com/70x70/http://steemitboard.com/@hanizo/birthday1.png)](http://steemitboard.com/@hanizo)  1 Year on Steemit\n<sub>_Click on the badge to view your Board of Honor._</sub>\n\n\n**Do not miss the last post from @steemitboard:**\n<table><tr><td><a href=\"https://steemit.com/steemfest/@steemitboard/steemfest3-and-steemitboard-meet-the-steemians-contest\"><img src=\"https://steemitimages.com/64x128/https://cdn.steemitimages.com/DQmeLukvNFRsa7RURqsFpiLGEZZD49MiU52JtWmjS5S2wtW/image.png\"></a></td><td><a href=\"https://steemit.com/steemfest/@steemitboard/steemfest3-and-steemitboard-meet-the-steemians-contest\">SteemFest3 and SteemitBoard - Meet the Steemians Contest</a></td></tr></table>\n\n> Support [SteemitBoard's project](https://steemit.com/@steemitboard)! **[Vote for its witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1)** and **get one more award**!",
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      "body": "The Next Blockchain Killer App - Credit and Credit Ratings\n\nHani H. & K.Richter\n\nThis is the first article in a series on breakout applications of blockchain technology. Cryptocurrencies were the first major application of cryptography enabled value storage and transfer, of which blockchains are at the core. There will be other breakout applications following this. Decentralized credit management and credit scoring will be a major disruptive one. And the seeds are already being sown.\n\nThe Importance of Credit\n\nThere is truly one most valuable resource that belongs to every person. That resource is time. The time resource is what every person converts into every other thing of value. This we do in the form of labor, where we give our time to do some work in exchange for payment. Or we put time into our relationships to obtain a better quality of life. Credit represents an exchange of our future time for value and is a very important factor in personal, corporate, and organizational resource management.\nSocieties that have seen the greatest economic development have also coincided with those that have done the best at developing structures for managing credit. Specifically, many of the developed countries developed a system of recording and assessing reputation of individuals and institutions based on their credit history, in addition to their wealth. This spawned growth in the form of individuals that were able to gain home ownership earlier than without a credit system, and businesses that are able to access credit to develop products and provide services and thus create jobs.\n\nProblems with the Current Credit System\n\nHowever, even for the developed countries, the current credit system, which has been put together nearly a century ago is showing its limits. The credit rating agencies that we have provided authority to maintain credit records have formula and procedures that are no longer optimal in determining credit worthiness. In a world that’s becoming more global, the lack of mobility of credit ratings is a huge drawback. An individual or business with a good rating essentially can not carry that rating along when they move to a different country. Even though their ability to manage credit did not change with the move, their access to credit essentially will. That state of things can not be acceptable in a world where we have so much technological abilities and tools. The recent hacking of credit agencies such Equifax also demonstrates that the old system, and the system keeper are due for innovation.\n\nEnter Blockchain Solutions\n\nWhile blockchains are not a cure all for every challenge, they are particularly well suited to recording and securing data in a manner that makes them transparent and immutable. They also know no boundary, are impartial, and are color blind. A trustless implementation of our credit rating system in a deterministic manner is one that would be well suited to the blockchain. I was pleased to note that an new blockchain company already came up with this idea and has implemented a credit scoring system on the blockchain. The company is Bloom (https://hellobloom.io/?mwr=6025-b6d6e553) and they have signed up several credit issuing organizations and in the process of implementing credit scoring on the blockchain.",
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      "author": "hanizo",
      "body": "So Bloom ICO has announced some exciting partnerships already. \n\nPartnership with Fundary: \nFundary is peer to peer lending platform that brings financial inclusion to the underbanked, allowing all people fair access to credit. Fundary shares the Bloom mission and is a clear solution for the many individuals struggling to build credit.\nRead the full partnership announcement here: https://blog.hellobloom.io/bloom-lender-spotlight-fundary-660b7ad001d5\n\nPartnership with TypingID:\nThis is particularly important to us as we help protect users in the Bloom App. Bloom, in conjunction with Onenigma, will be issuing on the Bloom network attestations that the same user who initially signed up for a BloomID continues to be the user who currently is using the BloomID. Bloom is committed to establishing a secure, global credit system that reduces the risk of identity theft while maintaining a seamless user experience.\nRead the full announcement here: https://blog.hellobloom.io/bloom-partnership-typingid-1ed6577edfa6\n\nIf you want to learn more about Blooms ICO visit their website here: https://hellobloom.io/?mwr=6025-b6d6e553",
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{
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    {
      "author": "hanizo",
      "body": "@@ -817,16 +817,17 @@\n  here : \n+%0A\n https://\n",
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      "title": "Bloom ICO, This one is looking ripe to Bloom :"
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      "author": "hanizo",
      "body": "So the Bloom card is a credit card, here is a quote from Developer \"Applicants for the Bloom card are issued a line of credit. To the end user, they don't actually even interface with cryptocurrency. It's just like any other credit card. One of our advisors is Meg Nakumura, she's the CEO of Shift. Shift developed the Shift Card, a VISA debit card that currently allows Coinbase users in select states and territories in the U.S. to spend bitcoin anywhere VISA is accepted.\"\nIn addition to the above Bloom looks to be a blockchain platform for credit risk assessment as well as a peer to peer lending platform. Very interesting indeed and innovative in the sense of solving cross border credit risk assessments as well as providing institutions a way to lend globally based on this credit assessment.\nCheck them out here : https://hellobloom.io/?mwr=6025-b6d6e553",
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