{"id":24785,"date":"2022-12-08T10:07:54","date_gmt":"2022-12-08T09:07:54","guid":{"rendered":"https:\/\/www.galitt.com\/2022\/12\/08\/le-paiement-dirige-blockchain-et-paiement-des-synergies-a-mettre-en-place-partie-3\/"},"modified":"2022-12-12T15:43:32","modified_gmt":"2022-12-12T14:43:32","slug":"le-paiement-dirige-blockchain-et-paiement-des-synergies-a-mettre-en-place-partie-3","status":"publish","type":"post","link":"https:\/\/www.galitt.com\/en\/le-paiement-dirige-blockchain-et-paiement-des-synergies-a-mettre-en-place-partie-3\/","title":{"rendered":"Directed payment &#8211; Blockchain and Payment: Synergies to be leveraged &#8211; Part 3"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||0px|||&#8221;][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px|||||&#8221;][et_pb_row _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px|||||&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221;][et_pb_post_title meta=&#8221;off&#8221; _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221;][\/et_pb_post_title][et_pb_text _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221;]<\/p>\n<h2><span style=\"color: #ef7d00;\">Blockchain: an answer to these expectations?<\/span><\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221; min_height=&#8221;75px&#8221; custom_padding=&#8221;||24px|||&#8221;]<\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #1d1d1b;\">In this section we review the characteristics of blockchain to highlight the improvements it could bring to the current system. To do this, we go back to each of the flaws previously exposed and see the solution provided by blockchain.<\/span><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221;]<\/p>\n<h3 style=\"text-align: justify;\"><span style=\"color: #32abd0;\">A P2P network without intermediaries<\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"color: #1d1d1b;\">The blockchain eliminates intermediaries. Users can thus exchange between them in a secure way. A consortium of users secures the network with a distributed consensus logic.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #1d1d1b;\">An Oracle (information source that allows to integrate data from the real world into smart contracts) adds new information to the blockchain.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #1d1d1b;\"><em>Advantages for solution providers: A network without intermediaries means economic gains. Transaction time is reduced, and customer satisfaction is increased (e.g. no more pay in advance by customers)<\/em><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #1d1d1b;\"><em>Limitations: The enrolment should be done between the supplier, the company and the beneficiary (via a wallet for example) An oracle will enter all the <strong>verified information <\/strong><\/em>in the blockchain. They will be immutable, safe, and <strong>permanent.<\/strong><\/span><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;20px||0px||false|false&#8221;]<\/p>\n<h3 style=\"text-align: justify;\"><span style=\"color: #32abd0;\">Securing the holder \/ beneficiary<\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"color: #1d1d1b;\">The blockchain allows to enter unforgeable digital identity data.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #1d1d1b;\">The identity solutions under development make the system near infallible, and uses the three principles of strong authentication:<\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li><span style=\"color: #1d1d1b;\">Possession: the private key is encrypted in the device\u2019s hardware<\/span><\/li>\n<li><span style=\"color: #1d1d1b;\">Knowledge: A secret code is requested from the user<\/span><\/li>\n<li><span style=\"color: #1d1d1b;\">Biometrics: before signing a transaction, a video of the user is requested<\/span><\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><span style=\"color: #1d1d1b;\"><em>Advantages: it drastically reduces fraud, and uses a zero knowledge proof &#8211; all information is encrypted and not transmitted, only conditions verification is performed (more privacy for the user)<\/em><\/span><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;20px||0px||false|false&#8221;]<\/p>\n<h3 style=\"text-align: justify;\"><span style=\"color: #32abd0;\">Knowledge of the type of product or service purchased<\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"color: #1d1d1b;\">Blockchain solutions allow to track a product throughout its life cycle (creation to delivery &#8211; <em>by tracing the different transactions through the blockchain<\/em>), so it allows to <strong>profile the product within the consumer basket and analyse the content <\/strong>(for example for food, the customer can make sure of the type of meat and its origin)<strong>.<\/strong><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #1d1d1b;\"><em>Advantages: it allows the customer to be more transparent vis a vis the product (date of production, production cost, production methods, &#8230;)<\/em><\/span><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;10px||0px||false|false&#8221;]<\/p>\n<h3 style=\"text-align: justify;\"><span style=\"color: #32abd0;\">Traceability of transactions<\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"color: #1d1d1b;\">All transactions are recorded and traceable in an unfalsifiable distributed register, in fact it is possible to know precisely where the payment has been performed in an immutable way.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #1d1d1b;\"><em>Benefits: Knowledge of how funds are used<\/em><\/span><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;20px||0px||false|false&#8221;]<\/p>\n<h3 style=\"text-align: justify;\"><span style=\"color: #32abd0;\">Programmable<\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"color: #1d1d1b;\">The blockchain has created the notion of smart contracts, making the blockchain programmable, and making automatic transactions according to certain conditions.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #1d1d1b;\"><em>Advantages: Create automatic conditions of use (without intermediate verification)<\/em><\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px||||false|false&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221;][et_pb_text _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221;]<\/p>\n<h2><span style=\"color: #ef7d00;\">What infrastructure for a directed payment solution using Blockchain technology?<\/span><\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221;]<\/p>\n<p><span><\/span><\/p>\n<h3 style=\"text-align: justify;\"><span style=\"color: #32abd0;\">An idea of infrastructure<\/span><\/h3>\n<p style=\"text-align: justify;\">\n<p style=\"text-align: justify;\"><span style=\"color: #1d1d1b;\">Directed payment involve three actors:<\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li><span style=\"color: #1d1d1b;\">Grantor: Person who issues the grant \/ releases the funds \/ public assistance<\/span><\/li>\n<li><span style=\"color: #1d1d1b;\">Subsidized Individuals receiving assistance for a specific reason<\/span><\/li>\n<li><span style=\"color: #1d1d1b;\">Network partner: merchant who can accept the grant<\/span><\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><span style=\"color: #1d1d1b;\">To make these three players interact via blockchain seamlessly, here&#8217;s an infrastructure idea.<\/span><\/p>\n<p style=\"text-align: justify;\">\n<ul><\/ul>\n<p>[\/et_pb_text][et_pb_image src=&#8221;https:\/\/www.galitt.com\/wp-content\/uploads\/2022\/12\/Schemas-pour-article-Mathis-5.png&#8221; alt=&#8221;New Sch\u00e9mas pour article Mathis 3 ENG&#8221; title_text=&#8221;Sch\u00e9mas pour article Mathis (5)&#8221; align=&#8221;center&#8221; _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221; width=&#8221;60%&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221;]<\/p>\n<p><span style=\"color: #1d1d1b;\">Here are the different steps to set up such an infrastructure:<\/span><\/p>\n<ol>\n<li><span style=\"color: #1d1d1b;\">Record partner \/ beneficiary information in the blockchain<\/span><\/li>\n<li><span style=\"color: #1d1d1b;\">Create conditions for the use of smart contracts<\/span><\/li>\n<\/ol>\n<ul>\n<li><span style=\"color: #1d1d1b;\">Spending rules<\/span><\/li>\n<li><span style=\"color: #1d1d1b;\">Products scope<\/span><\/li>\n<li><span style=\"color: #1d1d1b;\">Consumer domain limits<\/span><\/li>\n<\/ul>\n<ol start=\"3\">\n<li><span style=\"color: #1d1d1b;\">Add a payment method between the three parties<\/span>\n<ol>\n<li><span style=\"color: #1d1d1b;\">Request the money from the grantor to be scanned and returned to the recipient<\/span><\/li>\n<li><span style=\"color: #1d1d1b;\">Design a way for the partner to be paid in fiat money<\/span><\/li>\n<li>Add a third-party payment method in case the grant does not fully fund the purchase<\/li>\n<\/ol>\n<\/li>\n<\/ol>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;20px||0px||false|false&#8221;]<\/p>\n<h3 style=\"text-align: justify;\"><span style=\"color: #32abd0;\">Nonobvious implementation<\/span><\/h3>\n<p><span style=\"color: #1d1d1b;\">Multiple questions arise about possible choices on this type of payment solution directed in the blockchain ecosystem<\/span><\/p>\n<h4><span style=\"color: #1d1d1b;\">Which blockchain?<\/span><\/h4>\n<p><span style=\"color: #1d1d1b;\">It will be necessary to use a programmable blockchain to enter the grant use condition<\/span><\/p>\n<p><span style=\"color: #1d1d1b;\"><em>A private or public blockchain?<\/em><\/span><\/p>\n<h4><span style=\"color: #1d1d1b;\">Which oracle?<\/span><\/h4>\n<p><span style=\"color: #1d1d1b;\">Who will enter the user\/partner information into the blockchain, who will update it?<\/span><\/p>\n<h4><span style=\"color: #1d1d1b;\">smart contracts creation?<\/span><\/h4>\n<p><span style=\"color: #1d1d1b;\">How to write \/ make the conditions evolve? What auditability?<\/span><\/p>\n<h4><span style=\"color: #1d1d1b;\">Product tracking?<\/span><\/h4>\n<p><span style=\"color: #1d1d1b;\">How to ask merchants to enter their products on the blockchain to have knowledge and traceability of them.<\/span><\/p>\n<ul style=\"text-align: justify;\"><\/ul>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;20px||0px||false|false&#8221;]<\/p>\n<h3 style=\"text-align: justify;\"><span style=\"color: #32abd0;\">A receptacle not yet defined<\/span><\/h3>\n<p><span style=\"color: #1d1d1b;\">One strength of a blockchain solution would be to create a single solution that different grants would share.<\/span><\/p>\n<p><span style=\"color: #1d1d1b;\">For this purpose, different supports are possible<\/span><\/p>\n<h4><span style=\"color: #1d1d1b;\">EU digital ID Wallet<\/span><\/h4>\n<p><span style=\"color: #1d1d1b;\">As the government is aware of a lot of information about users, it could be in charge of creating the wallets.<\/span><\/p>\n<p><span style=\"color: #1d1d1b;\">Indeed, <strong>the state is a trusted actor<\/strong>, already possessing a lot of information:<\/span><\/p>\n<ul>\n<li><span style=\"color: #1d1d1b;\">Identity<\/span><\/li>\n<li><span style=\"color: #1d1d1b;\">Income<\/span><\/li>\n<li><span style=\"color: #1d1d1b;\">Heritage<\/span><\/li>\n<li><span style=\"color: #1d1d1b;\">home Information<\/span><\/li>\n<li><span style=\"color: #1d1d1b;\">Driver&#8217;s license<\/span><\/li>\n<li><span style=\"color: #1d1d1b;\">&#8230;<\/span><\/li>\n<\/ul>\n<p><span style=\"color: #1d1d1b;\">By digitizing all this information on the blockchain, it could facilitate the distribution of these grants.<\/span><\/p>\n<p><span style=\"color: #1d1d1b;\">The state could also appoint oracles to enter other information such as company rights, health insurance, &#8230; to make this support holistic.<\/span><\/p>\n<h4><span style=\"color: #1d1d1b;\">Other ideas<\/span><\/h4>\n<p><span style=\"color: #1d1d1b;\">Private actors could take this place, however the implementation in some cases of uses would be more complicated because a contact with an institution holding them would be necessary to enroll the beneficiary or partner<\/span><\/p>\n<h4><\/h4>\n<ul style=\"text-align: justify;\"><\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px||||false|false&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221;][et_pb_text _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221;]<\/p>\n<h2><span style=\"color: #ef7d00;\">New challenges and use cases<\/span><\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;20px||0px||false|false&#8221;]<\/p>\n<p><span style=\"color: #1d1d1b;\">The adoption of this technology would allow new use cases, which are not available today<\/span><\/p>\n<ul>\n<li><span style=\"color: #1d1d1b;\"><strong>Prevent the client from paying in advance<\/strong><\/span><\/li>\n<\/ul>\n<p><span style=\"color: #1d1d1b;\"><em>The grantor would pay the partner directly<\/em><\/span><\/p>\n<ul>\n<li><span style=\"color: #1d1d1b;\"><strong>Recurring payment <\/strong><\/span><\/li>\n<\/ul>\n<p><span style=\"color: #1d1d1b;\"><em>Depending on certain conditions, a settlement would be made automatically:<\/em><\/span><\/p>\n<p><span style=\"color: #1d1d1b;\"><em>&#8211; Each day the employee works he\/she receives a salary<\/em><\/span><\/p>\n<p><span style=\"color: #1d1d1b;\"><em>&#8211; Payment per mission<\/em><\/span><\/p>\n<p><span style=\"color: #1d1d1b;\"><em>&#8211; Insurance &#8230;<\/em><\/span><\/p>\n<ul>\n<li><span style=\"color: #1d1d1b;\"><strong>Company subsidy \/ health insurance: benefits received directly from the partner without going through the platform \/ discount coupon \/ &#8230;<\/strong><\/span><\/li>\n<\/ul>\n<p><span style=\"color: #1d1d1b;\"><em>Many benefits are unknown to users. Thanks to a programmable payment instrument users would benefit from those advantages without necessarily knowing them. (at the time of payment the promotion is directly recognized)<\/em><\/span><\/p>\n<ul>\n<li><span style=\"color: #1d1d1b;\"><strong>Transparency and product knowledge<\/strong><\/span><\/li>\n<\/ul>\n<p><span style=\"color: #1d1d1b;\"><em>product tracking to better decide its purchase<\/em><\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px||||false|false&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221;][et_pb_text _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221;]<\/p>\n<h2><span style=\"color: #ef7d00;\">Examples: some products already in place<\/span><\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;20px||0px||false|false&#8221;]<\/p>\n<h3><span style=\"color: #32abd0;\">MoneyTrack<\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"color: #1d1d1b;\">MoneyTrack is a secure digital payment platform in the healthcare sector that allows a health insurance company, a community, or an institution to pay money to individuals, who spend it conditionally within a network of authenticated healthcare professionals.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #1d1d1b;\">The platform relies on blockchain technology to share information, secure transactions, and track payment flows.<\/span><\/p>\n<h3><span style=\"color: #32abd0;\">China: e-Yuan and stimulus check<\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"color: #1d1d1b;\">China is using the digital yuan (central bank digital currency) to stimulate consumption in its pandemic-hit economy, and more e-CNY applications are expected to arrive in the future.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #1d1d1b;\">China is at the forefront of a global race to develop Central Bank Digital Currencies. Subsidizing in e-CNY can both encourage consumption and further promote the use of the electronic yuan.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #1d1d1b;\">Transactions using e-CNY totaled 87.6 billion yuan by the end of 2021, with 261 million individual e-wallets opened, according to the central bank.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #1d1d1b;\">&#8220;Previously, when the government provided subsidies, there might be some obstacles before the money reached the beneficiaries,&#8221; said G. Bin Zhao, senior economist at PwC China.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #1d1d1b;\">Zhao added that in the future, the government could <strong>use e-CNY for pension payments, tax subsidies and even infrastructure spending<\/strong>.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #1d1d1b;\">So China seems to be gradually adopting digital currencies in its policy.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #1d1d1b;\"><\/span><\/p>\n<p>[\/et_pb_text][et_pb_image src=&#8221;https:\/\/www.galitt.com\/wp-content\/uploads\/2022\/12\/Super-App-ENG.png&#8221; _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221; alt=&#8221;Super App ENG&#8221; title_text=&#8221;Super App ENG&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243; align=&#8221;center&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221;][et_pb_blog fullwidth=&#8221;off&#8221; posts_number=&#8221;3&#8243; use_manual_excerpt=&#8221;off&#8221; excerpt_length=&#8221;0&#8243; show_author=&#8221;off&#8221; show_categories=&#8221;off&#8221; show_excerpt=&#8221;off&#8221; show_pagination=&#8221;off&#8221; _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;20px||||false|false&#8221; border_width_all=&#8221;0px&#8221; box_shadow_style=&#8221;preset1&#8243; box_shadow_blur=&#8221;14px&#8221; box_shadow_spread=&#8221;-5px&#8221; box_shadow_color=&#8221;rgba(0,0,0,0.15)&#8221; locked=&#8221;off&#8221;][\/et_pb_blog][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||0px|||&#8221;][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px|||||&#8221;][et_pb_row _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px|||||&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221;][et_pb_post_title meta=&#8221;off&#8221; _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221;][\/et_pb_post_title][et_pb_text _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221;] Blockchain: an answer to these expectations? [\/et_pb_text][et_pb_text _builder_version=&#8221;4.6.6&#8243; _module_preset=&#8221;default&#8221; min_height=&#8221;75px&#8221; custom_padding=&#8221;||24px|||&#8221;] In this section we review the characteristics of blockchain to highlight the improvements it could bring to the current system. To do this, we [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":24745,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[153,37],"tags":[],"class_list":["post-24785","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-debutants","category-uncategorized-en"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Directed payment - Blockchain and Payment: Synergies to be leveraged - Part 3<\/title>\n<meta name=\"description\" content=\"In this section we review the characteristics of blockchain to highlight the improvements it could bring to the current system...\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.galitt.com\/le-paiement-dirige-blockchain-et-paiement-des-synergies-a-mettre-en-place-partie-3\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Directed payment - Blockchain and Payment: Synergies to be leveraged - Part 3\" \/>\n<meta property=\"og:description\" content=\"In this section we review the characteristics of blockchain to highlight the improvements it could bring to the current system...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.galitt.com\/le-paiement-dirige-blockchain-et-paiement-des-synergies-a-mettre-en-place-partie-3\/\" \/>\n<meta property=\"og:site_name\" content=\"Galitt\" \/>\n<meta property=\"article:published_time\" content=\"2022-12-08T09:07:54+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-12-12T14:43:32+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.galitt.com\/wp-content\/uploads\/2022\/12\/ENG-Part-3.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1080\" \/>\n\t<meta property=\"og:image:height\" content=\"675\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Sara EL AZHARI\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@Galitt_officiel\" \/>\n<meta name=\"twitter:site\" content=\"@Galitt_officiel\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Sara EL AZHARI\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.galitt.com\/le-paiement-dirige-blockchain-et-paiement-des-synergies-a-mettre-en-place-partie-3\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.galitt.com\/le-paiement-dirige-blockchain-et-paiement-des-synergies-a-mettre-en-place-partie-3\/\"},\"author\":{\"name\":\"Sara EL AZHARI\",\"@id\":\"https:\/\/www.galitt.com\/#\/schema\/person\/ae95c1be1eab1ed47206b255c0320ae8\"},\"headline\":\"Directed payment &#8211; 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