Block Issue 3

#AIBCSUMMIT ● ISSUE 3 

区块链 

INNOVATION 

创新之岛 

ISLAND 

32 

SEEKING SYNERGY 

寻求协同效应 

20 

EMPOWERING THE 

FUTURE OF FINANCE 

助力金融的未来 

48 

FLYING THE FLAG 

FOR BLOCKCHAIN 

扬起区块链的大旗 

84

WORLD’S 

iGAMING VILLAGE 

MALTA 

27-29 NOV 2019 

SIGMA.MT 

MANILA 

8-9 JUN 2020 

SIGMA.PH

区块链 

EDITOR 编辑 

Katy Micallef 

CREATIVE DIRECTOR 创意总监 

Jessica Camilleri 

PHOTOGRAPHY 摄影 

Aleksey Leonov 

CONTRIBUTORS 撰稿人 

Christopher Attard 

Jools Moore 

SALES 销售 

Sophie Crouzet 

Denis Dzyubenko 

Tabata Mussone 

Sofya Puzhaykina 

Sintija Rimsa

EDITOR’S NOTE 编者注 

This issue of Block magazine is particularly special, for it illustrates 

the beginning of a new chapter for SiGMA Group. This is the first 

edition to carry another language besides English. The Chinese 

translations are a timely addition – in 2020 SiGMA Group will launch 

three new shows in Asia. In Manila we’ve found the perfect home 

for emerging tech and iGaming, with AIBC Manila and SiGMA Manila 

opening their doors in early June, whilst our foray into the fresh new 

field of medical cannabis launches end June in Bangkok. 

Our cover story also focuses on new beginnings. The Hon. Silvio 

Schembri gives a full account of Malta’s ambitious adoption of 

innovation-driven projects destined to lead the island towards a 

digital future as the Blockchain Island. 

Speaking of the Blockchain Island, the Malta AIBC Summit is also 

gearing up for another great conference, with top speakers set to 

debate some of the most pertinent topics intriguing the industry 

today. Read more in our What to Expect pages and in an exclusive 

piece penned by SiGMA Group’s Event Director, Sophie Crouzet. 

And so on to the thanks. As always, gratitude goes to our fearless 

leader Eman Pulis, steering the ship from Manila. Thanks also to 

Aleksey for the beautiful photography gracing these pages and to 

Jessica whose standout design has helped make this magazine a 

leader in its field. Last but not least, to the content team members, 

Julian and Christopher for their invaluable contributions. 

这一期的《Block》杂志尤其特别 , 因为它为 SiGMA 集团揭开 

了新的篇章。这是第一版拥有除英语之外的其他语言的版本。 

这一中文译本补充非常及时 -- 因为在 2020 年 ,SiGMA 集团将在 

亚洲推出三个新的展览。在马尼拉 , 我们找到了新兴科技和 

iGaming 的完美家园 ,AIBC 马尼拉分部和 SiGMA 马尼拉分部将于 

6 月初开门营业 , 而我们对医用大麻新领域的探索将于 6 月底在 

曼谷启动。 

我们的封面故事也关注新事业的开启。西尔维奥 . 申布里先生 

(Silvio. Schembri) 详细介绍了马耳他雄心勃勃地推动创新驱动 

型项目的情况 , 这些项目旨在引导马耳他走向数字化的未来 , 

最终成为区块链岛。 

关于区块链岛 , 马耳他 AIBC 峰会也在为另一研讨会积极准备 , 

顶级演讲人将就当今业界感兴趣的一些最相关的话题展开讨论。 

请阅读我们的内容提要板块以及 SiGMA 集团活动总监索菲 · 克劳 

泽 (Sophie Crouzet) 撰写的独家文章 , 以了解更多内容。 

另外我希望在此表达感谢。像往常一样 , 首先我要感谢我们 

无畏的领导人埃曼 · 普利斯 (Eman Pulis), 从在马尼拉开始他 

就是我们的领航员。其次我要感谢阿莱克西 (Aleksey) 为这 

些网页提供了美丽的摄影图片 , 还有杰西卡 (Jessica), 是她 

的杰出设计打造了我们杂志在业界的领先地位。最后同样重 

要的我要 , 感谢内容团队成员朱利安 (Julian) 和克里斯托弗 

(Christopher) 所做的宝贵贡献。

20 

48 

32 52 

CONTENTS 

内容 

WHAT TO EXPECT 内容提要 

AI PITCH 人工智能初创企业推介 

12 

COVER STORY 封面故事 

INNOVATION ISLAND 创新之岛 

32 

The most promising projects battle it out on stage. 

The Hon. Schembri shares strategy plans and success stories. 

最有前景的项目一决高低。 

Hon. Schembri 分享战略计划和成功案例。 

Q&A 问答 

PITCH PERFECT 完美夺冠 

16 

FEATURE 专题报道 

EMPOWERING THE FUTURE OF FINANCE 助力金融的未来 

48 

An interview with last year’s winners Pynk – where are they now? 

Federica Taccogna writes about financial crime and how to beat it. 

采访去年获胜者 Pynk—— 他们现在发展如何 ? 

Federica Taccogna 撰文介绍金融犯罪以及如何打击金融犯罪。 

MINISTRY UPDATES 政府部门最新消息 

SEEKING SYNERGY 寻求协同效应 

20 

Q&A 问答 

BREAKING WITH TRADITION 打破传统 

52 

Malta’s Economy Minister Cardona writes about the convergence between 

medical cannabis and blockchain. 马耳他经济部长卡尔多纳 (Cardona) 撰 

文介绍医用大麻和区块链的融合。 

Ivan Gowan gives an overview of how currency.com is establishing and helping 

to drive innovation. Ivan Gowan 概述了 currency.com 如何建立并帮助推动创新。 

保留所有权利。未经事先书面同意 , 严禁复制全部或部分内容。《区块》中表述的意见不一定是编辑或出 

版商的意见。我们会采取一切合理的谨慎措施来确保真实性和准确性 , 但编辑和出版商不对文章、广告、 

照片或插图中的错误或遗漏负责。 

您想出现在下一期的《区块》中吗 ? 

关于广告机会的更多信息 , 请致电 21336670/27002836, 

或发送电子邮件至 pr@blockchainsummit.com. 

6 | #AIBCsummit Issue 3

70 

84 

74 96 

GALLERY 图库 

RELIVE THE MOMENTS 精彩回顾 

58 

OPINION 意见 

THE EDGE OF A KNIFE 刀锋危机 

78 

Relive the best moments from the May 2019 edition of AIBC Summit. 

重温 2019 年 5 月 AIBC 峰会的精彩时刻。 

Head of Media Operations Christopher Attard, wades into the currency wars. 

媒体运营主管 Christopher Attard 谈论货币战争。 

Q&A 问答 

BANKING ON ZBX ZBX 银行业务 

70 


FLYING THE FLAG FOR BLOCKCHAIN 扬起区块链的大旗 

84 

One year on we catch up with ZBX CEO Dave Pulis. 

我们采访 ZBX 首席执行官 Dave Pulis 一年之后。 

Newly-formed blockchain aviation company AEROBAND, share their journey 

so far. 新成立的区块链航空公司 AEROBAND 分享他们迄今为止的商业历程。 

Q&A 问答 

BREAKING THE BANK 冲破银行束缚 

Reuven Schockner explains how crypto has influenced his art. 

Reuven Schockner 介绍加密技术对其艺术的影响。 

74 FEATURE 专题报道 

96 

LEADING THE PACK 把握先机 

SiGMA Group’s Event Director, Sophie Crouzet writes about the AIBC Summit. 

SiGMA 集团活动总监 Sophie Crouzet 撰文介绍 AIBC 峰会。 

All rights reserved. Reproduction in whole or in part is strictly prohibited without prior consent 

in writing. Opinions expressed in the BLOCK are not necessarily those of the editor or publisher. 

All reasonable care is taken to ensure truth and accuracy, but the editor and publishers cannot 

be held responsible for errors or omissions in articles, advertising, photographs or illustrations. 

The BLOCK is published by Viking PC Health Ltd., Gaming Hub, 

Judge Paolo Debono Str., Msida Skate Park, Msida. MSD2032, Malta. 

Would you like to be in the next issue of the BLOCK? 

For more information regarding advertising opportunities kindly call 

Sandeep Haer on (+356) 79773094 or email put pr@blockchainsummit.com. 

www.maltablockchainsummit.com 

Issue 3 #AIBCsummit | 7

Are you a disruptor, or 

one of the disrupted? 

Let us help you! 

KPMG is a multidisciplinary firm with expert 

knowledge in DLT, IOT, Intelligent Automation and 

other Emerging Technologies. A recognised systems 

auditor, KPMG is a leading provider of advisory, tax, 

audit and software development services furnished 

by a dedicated on-the-ground cross-functional team, 

supported by its global network. 

Contact Us 

Juanita Brockdorff 

Partner and DLT Leader 

+356 25631029 

juanitabrockdorff@kpmg.com.mt 

Mark Curmi 

VFA and Regulatory Specialist 

+356 25631048 

markcurmi@kpmg.com.mt 

Christopher Azzopardi 

IT Assurance Director 

+356 25631077 

christopherazzopardi@kpmg.com.mt 

Matthew Scerri 

Technology Specialist 

+356 25631270 

matthewscerri@kpmg.com.mt 

www.kpmg.com.mt 

Follow KPMG Malta: 

© 8 2019 | #AIBCsummit KPMG, a Maltese Civil Issue Partnership 3 and a member firm of the KPMG network of independent member firms affiliated with 

KPMG International Cooperative (“KPMG International”), a Swiss entity. All rights reserved.

INTRODUCTION 简介 

A NATIONAL 

STRATEGY 

国家战略 

The Hon. Joseph Muscat, 

Prime Minister of Malta, speaking at the 

Malta AI & Blockchain Summit May 2019 

尊敬的 Joseph Muscat 

马耳他总理 2019 年 5 月在马耳他人工智能和 

区块链峰会上发言 

“ 

We’re here just a year later and we’re proud that as a 

jurisdiction Malta is the first country worldwide to have 

an operative regulatory framework which provides 

such certainty and diligence across the board. Two weeks ago 

the MFSA approved and listed the first virtual financial assets 

agents, ensuring due diligence and assurances on virtual financial 

asset based operations. The MDIA approved and listed the first 

system auditors, enabling Malta to be the first jurisdiction to 

introduce technology assurances worldwide. This shows Malta 

really is becoming the Blockchain Island. Last November we also 

set up an AI task force. AI enables a more efficient and accurate 

service of everything around us and in the future will even allow 

for new types of services that we can’t yet envisage. Automation 

is unfortunately many times perceived with scepticism and fear 

– it is for this reason that within our national strategy, education 

of the existing workforce features as one of the 3 main pillars. We 

should not fear technology but embrace it and use it to provide 

a better quality of life. There is no doubt that such technologies 

bring about new opportunities and very big challenges. As we 

get closer to such a future, we must make sure that our country 

embraces technology.” 

我们虽然晚了一年 , 但让我们感到自豪的是 , 作为一个 

管辖区 , 马耳他是世界上第一个拥有监管框架的国家 , 

这个监管框架给予了全方位的法律确定性和鼓励。两周 

前 , 马耳他金融服务管理局 (MFSA) 批准并列入了第 

一批虚拟金融资产代理商 , 以确保对基于业务操作的虚 

拟金融资产进行尽职调查和担保。MDIA 批准并列入了 

第一批系统审计员 , 使马耳他成为第一个在全球范围内 

引进技术保证的司法管辖区。这意味着马耳他成为了真 

正的区块链之岛。去年 11 月 , 我们还成立了一个人工 

智能 (AI) 工作组。AI 可以为我们周围的一切提供更高 

效、更精准的服务 , 将来甚至可以提供一些我们尚未 

想到的新型服务。很遗憾的是 , 自动化多次遭到人们的 

质疑 , 并让人们感到恐惧。正是出于这个原因 , 在我们 

的国家战略中 , 针对现有劳动力的培训与教育被视为三 

大支柱之一。我们不应该对科技感到恐惧 , 而应该接受 

科技 , 并利用科技来提高我们人类的生活质量。毫无疑 

问 , 这些技术带来了新的机遇 , 也带来了巨大的挑战。 

然而随着我们越来越接近这样的未来 , 我们必须确保我 

们的国家要接纳科技。 


WHEN EAST MEETS WEST 

当东西方交汇 

As we ease into the fourth industrial revolution it has 

become clear that businesses looking to secure a 

leading role in an increasingly digital world need to seek 

synergy with emerging technologies. The benefits of integrating 

our physical and digital worlds remain tremendous - we hope 

to leverage these advantages as we foray into Asia’s up-andcoming 

markets. 

As countries such as the Philippines tempt leading brands from 

the global tech sector to expand business opportunities in the 

region, it’s fast becoming clear that Asia is the new frontier for 

emerging technologies, such as AI and blockchain. 

It is with this in mind that we have expanded our focus to include 

new Asian markets. In June 2020 SiGMA Group will launch a 

super expo, combining our iGaming vertical with our AI and 

blockchain show. AIBC Manila kicks off on the 8th to the 9th 

of June at the Conrad Hotel, offering start-ups, established 

companies, and investors a solid connection between Europe 

and Asia by bridging the business divide between continents. 

On the home front we continue to ride the innovation wave and 

follow the government’s lead as it establishes solid foundations 

for the Blockchain Island as Europe’s leading hub for technology. 

The November AIBC Summit, the third edition for Malta, offers 

a platform for some of the most creative minds in this sphere 

to converge under one roof and spark debate on the most 

important topics engaging our nation, from regulation to ethical 

considerations – we’ve got it covered. 

Last but not least, thanks. SiGMA Group’s journey from East to West 

hasn’t been without its bumps in the road. Potholes aside, we are 

grateful that our companions along the way have helped make the 

trip a pleasant one and we now look forward to completing the final 

leg as our 2020 launch date nears. 

Enjoy the issue! 

随着 “ 第四次工业革命 ” 的到来 , 我们越来越清楚 , 

企业若想在日益数字化的世界中取得领先 , 就需要寻 

求与新兴技术的协作。将实体世界和数字世界进行整 

合可带来的好处仍然巨大无比。我们希望在进军亚洲 

新兴市场时能利用上这些技术优势。 

有许多国家 , 如菲律宾等 , 它们正在积极吸引全球科 

技领域的领先品牌 , 以便扩大当地的商业机会。显 

然 , 亚洲将很快成为新兴技术 ( 如人工智能、区块链 

等 ) 的前沿阵地。 

正是基于此 , 我们扩大了关注范围 , 将新兴的亚洲市 

场包括在内。2020 年 6 月 , 新格集团将推出一个超级 

博览会 , 届时会把我们的 iGaming Vertical 和 “AI 与区 

块链展会 ” 相结合。6 月 8 日至 9 日 , 马尼拉 AIBC 将在 

康拉德酒店 Conrad Hotel 开幕 , 该峰会旨在弥合各大 

洲之间的业务鸿沟 , 为初创企业、老牌公司和投资者 

建立欧亚之间的坚实联系。 

在国内方面 , 我们继续跟随创新浪潮 , 紧跟政府步 

伐 , 为 “ 区块链之岛 ” 奠定坚实的基础 , 使之成为欧 

洲领先的技术中心。11 月的 AIBC 峰会是马耳他的第 

三届峰会 , 它将为这一领域最具创造力的人们提供平 

台 , 让他们汇聚在一起 , 就我国一些最重要议题 ( 从 

监管到道德考虑 ) 展开辩论 —— 我们均已安排经妥 

当了。 

最后但同样重要的是 , 我要说声谢谢 ! 新格集团从东 

方到西方的旅程并非一帆风顺。除了坎坷 , 我们也历 

经了一段愉快的旅程 , 我们要感谢沿途互相扶持的同 

伴们。我们期待着在 2020 年的开幕日期临近前走完最 

后一站。 

享受这里的精彩吧 ! 


INTRODUCTION 简介 

Eman Pulis, Founder & CEO 

Malta AI & Blockchain Summit, SiGMA & Medical Cannabiz Summit.World 

Eman Pulis, 创始人 &CEO 

马耳他人工智能和区块链峰会 ,SiGMA 和 Cannabiz 世界峰会 


AI START-UP PITCH 

3 min LIVE PITCH for 10 finalists followed by live Q&A from investors, jury and audience. 

WHAT YOU GET 

• Meet the investors 

• 1m booth at Malta AI & Blockchain Summit 19, 

including cost of printing and furniture 

• Invitation to premium networking events during the 

summit and throughout the year 

WHAT YOU GET 

• Malta AI & Blockchain Summit PR – magazines, 

website, email newsletters, interviews 

• Free consultancy and potential leads from leading 

industry veterans 

• Office space at Microsoft Innovation Centre Malta 

WHERE AI START-UPS AND INVESTORS MEET 

Following a very successful run at the spring edition of Malta AI & Blockchain Summit, we’re going all out for 

November 2019. Over 100 start-ups will be selected to showcase their products and initiatives throughout the 

event. Start-ups based in AI, Blockchain, Quantum Tech, Big Data, and IoT will have a small booth and an allimportant 

opportunity to mingle with some of the leading investors and mentors in the industry. 

However, the AI Start-Up Pitch is only open to AI start-ups - the judges’ top ten will make it to the pitch stage 

during the final leg of the Summit. Expect the competition to be fierce with so many investors to impress! 



人工智能初创企业推介 

10 名入围者进行 3 分钟的现场推介 , 随后是投资者、评委会和观众的现场问答。 

你能得到什么 

• 与投资者会面 

• 19 年马耳他人工智能与区块链峰会的 1 米展位一 

个 , 含印刷品和展材成本 

• 获邀参加峰会期间及全年的高级社交活动 

你能得到什么 

• 马耳他人工智能与区块链峰会公关 —— 杂志、 

网站、电子邮件通讯、采访 

• 免费向资深业内人士讨教的机会和潜在商机 

• 马耳他微软创新中心的办公环境 

人工智能初创企业和投资者会面 

继马耳他人工智能与区块链春季峰会的成功举办之后 , 我们又将全力迎接 2019 年 11 月的盛会。超过 100 家初创 

企业将被选中在活动中全程展示其产品和创意。基于人工智能、区块链、量子技术、大数据、物联网的初创企 

业将获得一个小展位 , 并有机会与业内一些领先的投资者和导师进行交流 , 这将是十分难得的机会。 

不过 , 人工智能初创企业推介会只面向人工智能初创企业 , 评选的前十名将在峰会最后阶段进入推介环节。预 

计竞争会很激烈 , 将给众多投资者留下深刻印象 ! 


COIN BATTLE 

WHAT YOU GET 

• A few minutes to pitch on stage in front of the investor panel 

• A VIP invitation to premium networking events in Malta 

• 2 complimentary VIP tickets to the conference 

• AIBC PR – magazines, website, email newsletters, interviews 

AWARDS 

Investors Award – the investment prize for the 1st place is 

€15,000 worth of tokens based on the highest marks earned 

by the judges. 

JUDGING CRITERIA 

Judging criteria will be based on business model, scalability, 

team criteria, and liquidity criteria, as well as solution of the 

problem, Token Model and proceeds distribution. 

WHERE STOS AND INVESTORS MEET 

Every selected coin will get to pitch live on our grand stage and face a 

Q&A session from the official jury members, savvy investors, and the 

audience. It is the participant’s choice whether to use all the allocated 

time for the pitch or to do a shorter version and leave a few minutes for 

the Q&A. Judging results will be a blend based on White Paper, Pitch 

Deck, Team & Advisers and investability. 



硬币战斗 

您的收获 

• 在投资者小组面前进行几分钟的简报 

• 马耳他高级商业社交活动的 VIP 邀请函 

• 2 张免费会议 VIP 门票 

• AIBC 公关 —— 杂志、网站、电子邮件快讯、访谈 

奖项 

投资者大奖 —— 获得评委最高分的第一名参赛者将赢得价值 

15,000 欧元的代币投资大奖。 

评判标准 

评判标准将基于业务模型、可扩展性、团队标准和流动性 

标准 , 以及问题的解决方案、代币模型和收益分配。 

硬币与投资者的交汇 

每一种被选中的硬币都将在我们的舞台上现场演示简报 , 并接受官方评委会成 

员、精明的投资者和观众的提问。参与者可自行决定是否将分配到的所有时间 

用于简报 , 或是缩短简报时间 , 为问答环节留出几分钟。评判结果将基于白皮 

书、简报、团队与顾问 , 以及最主要投资能力。 


完美夺冠 

PITCH PERFECT 

JOOLS MOORE SITS DOWN WITH THE MAY 2019 

WINNERS OF THE AI START-UP PITCH. FROM 

TAKING THE CROWN TO LONG-TERM PLANS, 

THE FUTURE LOOKS ROSY FOR PYNK. 

朱尔斯 · 摩尔 Jools Moore 采访 2019 年 5 

月的 AI 创业大赛 AI Start-up Pitch 冠军 

得主。从夺冠到长远计划 ,Pynk 的未 

来看起来很乐观。 


Q&A 问答 

CONGRATULATIONS ON WINNING THE AI PITCH BATTLE AT THE 

MALTA AIBC IN MAY. YOU HAD SOME TOUGH COMPETITION, SO 

WHAT DO YOU THINK CLINCHED IT FOR YOU WITH THE JUDGES? 

Thank you very much! Yes the competition was quite tough – we are 

lucky to be in an ecosystem where there is such strong competition, 

but I think overall we’ll all benefit in the end! We think it was the 

innovative Pynk model that won it for us. We are the world’s first 

People Powered Investment platform using Wisdom of Crowd data 

and AI to build a more equitable model for everyday investors. 

Combined with the fact we are using blockchain technology to 

democratise access via Security Tokens - we’re using tech for good. I 

think the judges bought into and saw the value in our mission. 

HOW IMPORTANT IS IT FOR STARTUPS LIKE PYNK TO GET PEER 

REVIEW FROM JUDGES AS WELL AS SOME PRIZE MONEY FROM 

EVENTS LIKE THE AI START-UP PITCH? 

For us it’s super important. We’re still an ‘early stage’ start-up, 

so building awareness for our company is key and competitions 

such as this are a great way for us to get publicity. It does require 

quite a bit of work in terms of preparation – but it’s totally worth it, 

“ Having 

validation 

from a panel 

of judges 

at such an 

event is key in 

building our 

credentials ” 

especially if you win – which feels great 

for the whole team, advisors, investors 

and of course our Pynkster community 

around the world. But the other thing 

that is important for us is it drives our 

credibility, having validation from a 

panel of judges at such an event is key 

in building our credentials. 

HOW ARE THINGS PROGRESSING 

WITH PYNK? YOU HAD 1400 USERS 

BACK IN MAY - WHAT’S YOUR USER 

BASE CURRENTLY? 

I’ve never been involved in a company 

that is progressing as quickly as Pynk, 

and that’s down to the team. Everyone is pushing hard every day – 

so it’s an exciting environment. We reached 1,400 Crowd Predictors 

in May and today we are already at more than 6,000 across 55 

countries. We’re actually growing a little too fast if anything, so 

we’re taking our foot off the pedal a little when it comes to crowd 

recruitment. The crowd who earn Pynk Security Tokens in return for 

sharing their Wisdom are limited to 10k - and we are confident we 

will get there in the coming months. 

Diversity in the Crowd is key for Wisdom of Crowd methodology, 

so we love that we have people across the globe, from Indonesia, 

Europe, Cuba, USA, and Brazil. Our target is to have Pynksters from 

every country in the world! 

恭喜贵公司 5 月在马耳他人工智能和区块链峰会 (AIBC) 的 AI 创 

业大赛板块中拔得头筹。你们在这个过程中经历了激烈的竞争 , 

那么您认为是什么让你们赢得评委的青睐呢 ? 

非常感谢 ! 是的 , 这场竞赛十分艰难 , 我们很幸运能够进入一个 

竞争如此激烈的生态系统中 , 但我认为总的来说 , 我们最终都会 

受益 ! 我们认为我们夺冠的原因主要是因为具有创新性的 Pynk 模 

式。我们是全球第一个以人力为驱动的投资平台 , 利用大众智慧 

(Wisdom of Crowd) 数据和 AI 为日常投资者建立一个更加公平 

的模式。再加上我们使用区块链技术通过证券型代币实现访问民 

主化 , 我们在利用技术做好事。我认为评委们是看到了我们使命 

中的价值观。 

“ 在此类比赛中获得评 

审小组的认可是建立 

我们资质的关键 ” 

像 Pynk 这样的创业公司从评委那里获得同行评审以及从像 AI 创业 

大赛这样的活动中赢得奖金有多重要 ? 

对我们来说 , 这非常重要。我们仍然是一个处于 “ 早期阶段 ” 的 

创业公司 , 因此 , 建立公司的意识很关键 , 参加诸如此类的竞赛 

对我们来说是一种很好的宣传方式。参加这些比赛确实要花很多 

时间准备 , 但这些都完全值得 , 尤其是你赢得比赛的时候。这对 

整个团队、顾问、投资者以及我们世界各地的 Pynkster 社区参与 

者来说都是非常好的。但还有另一件对我们来说很重要的事情 , 

那就是它提高了我们的可信度 , 在这类竞赛中获得评审小组的认 

可是建立我们资质的关键。 

Pynk 的发展情况如何 ? 在五月份的时候 , 你们拥有 1400 名用户 , 

那现在有多少用户了呢 ? 

我涉足过的公司还没有像 Pynk 一样发展得这么快的 , 这都离不开 

团队的努力。所有人每天都在努力推动公司发展 , 所以这个环境 

就很振奋人心。5 月份的时候 , 我们的 “ 人群预测器 ” 数量达到 

了 1400, 今天我们已经拥有了来自 55 个国家的 6000 名用户。实 

际上 , 我们的发展可能有点过快了 , 所以在招募用户时 , 我们稍 

微放慢了脚步。分享了智慧的用户可以获得 Pynk 的证券型代币作 

为回报 , 最高可获得 1 万个 , 我们有信心 , 再接下来几个月实现 

这个目标。 

人群的多样性是大众智慧方法论的关键 , 所以我们很高兴我们拥 

有来自全球的用户 , 有来自印度尼西亚的 , 有来自欧洲、古巴 

的 , 也有来自美国和巴西的。我们的目标是拥有来自全世界所有 

国家的智慧拼客 (Pynkster)! 


“ We’re 

actually 

growing a 

little too fast 

if anything, so 

we’re taking 

our foot off 

the pedal a 

little when it 

comes to crowd 

recruitment ” 

WITH CROWD WISDOM AND AI, WILL THE 

INCREASING SIZE OF THE USER BASE 

IMPROVE THE PREDICTION MODEL, OR IS IT 

CONSISTENT AS IT GROWS IN SIZE? 

Our early testing with machine learning shows 

we were accurate in predicting the direction 

of BTC, from what we see, the more data we 

get in, the better our AI, Rose performs, since 

the more data she has the quicker she learns. 

It’s not just about volume of data though, but 

quality also. Rose watches and learns from 

individuals we call ‘super 

predictors’, observing how 

they perform across time 

periods and in different 

market conditions – and 

she rewards accuracy with 

additional ‘Wisdom Points’. 

We’re also building other 

factors for Rose to draw 

correlations from to make 

better predictions. 

IF YOU HAVE USERS WHO 

AREN’T GREAT WITH 

PREDICTIONS (LIKE THE 

95% WHO AREN’T VERY 

GOOD AT TURNING A 

PROFIT), HOW DOES THIS 

AFFECT THE OVERALL 

PREDICTION MODEL? 

Well actually the bad predictors are incredibly 

useful to the model since there is a strong 

inverse correlation with future asset prices. 

So Rose looks at these people as well as Super 

Predictors to make her forecasts. But it isn’t 

usually the case that a person is always bad at 

predicting, it depends on the market conditions, 

whether they are naturally bullish or bearish and 

other such factors. That’s why AI is so powerful 

for Crowd Wisdom – traditional methods could 

never replicate the speed of learning looking at 

all of this data. We have also recently added new 

types of questions we call long term ‘forecasts’ 

across new asset classes (not just BTC,) and 

some of our Crowd are better at those than 

short-term predictions. So the reality is we value 

the contribution of everyone. 

YOU’RE LOOKING AT A FURTHER ROUND 

OF SEED FUNDING IN SEPTEMBER - HOW 

WILL THIS HELP DEVELOP THE BRAND AND 

THE OFFERING? 

Hugely! This award puts us in a great place and 

as mentioned before, it drives our credibility – 

everyone at Pynk is so grateful and proud that 

we won. If you follow Pynk you’ll also know we 

place great value on this and other programs 

that we go through. We’re part of the Royal 

Bank of Scotland and NatWest accelerators in 

the UK, Creative Destruction Labs in Canada 

and also 360 Labs – a venture fund that is 

helping us get ready to scale. All of this is with 

a view to helping our next funding round which 

opens September 2019. 

WHERE DOES PYNK HOPE TO BE IN FIVE 

YEARS TIME? 

We’re an ambitious lot here at Pynk and we have 

our sights set on building a Unicorn with several 

$billion in assets under management from 

investors around the world. Most importantly - I 

believe we have the talent in the team to get 

there. And what’s great is that as Pynk grows 

we have even more talented people asking to 

join us and wanting to get involved. It all goes 

back to our vision of building a more equitable 

investment model for everyday investors – 

younger investors buy into that. And it’s more 

than just investment, we want to give power 

back to our community, so that through the 

Wisdom of Crowds methodology we can give 

them a say in where and how their capital is 

deployed. We can’t solve the world’s problems 

- but together we can build a better model that 

can at least do things the right way. 


Q&A 问答 

有了大众智慧和人工智能 , 越来越多的用户会不会使得预测模式有所 

改进 ? 或者随着用户规模的增长 , 预测模式还是会保持不变吗 ? 

我们早期通过机器学习进行的测试表明 , 我们对比特币方向的预测是 

准确的。从我们观察到的数据来看 , 接收的数据越多 , 我们的机器人 

罗丝 (Rose) 就会表现得越好 , 因为她掌握的数据越多 , 她就学得 

越快。但对于数据 , 不仅仅只有数量的要求 , 还有质量的要求。罗丝 

(Rose) 通过观察和学习我们称之为 “ 超级预测者 ” 的个体在不同 

时期和不同市场条件下的表现 , 从而提供额外的 “ 智慧见解 ”, 使得 

我们的预测更加准确。我们也在为罗丝 (Rose) 建立其他因素 , 方 

便她从中提取相关性 , 从而做出更好的预测。 

如果有些用户不擅长预测 ( 就像那 95% 的不擅长盈利的人 ), 会对整 

体预测模式产生什么影响 ? 

“ 实际上 , 我们的发展 

可能有点过快了 , 所以 

在招募用户时 , 我们稍 

微放慢了脚步 ” 

实际上 , 那些不擅长预测的用户对我们的模式来说 , 反而很有帮 

助 , 因为他们与未来的资产价格存在强烈的负相关关系。所以罗丝 

(Rose) 既会从这些人身上学习 , 也会从超级预测者那里学习 , 以 

便做出她的预测。但通常情况下 , 一个人不会一直都不善于预测 , 这 

取决于市场条件 , 取决于他们自身是倾向于看涨还是看跌以及其他诸 

如此类的因素。这就是为什么 AI 对于大众智慧来说如此有力 , 使用传 

统方法永远无法达到 AI 学习所有这些数据的速度。最近我们还添加了 

一些新类型的问题 , 我们将这些问题称为新型资产 ( 不仅仅是比特 

币 ) 的长远 “ 预测 ”, 而且与短期预测相比 , 我们的一些用户更擅长 

于长远预测。所以真实情况是 , 我们重视所有人的贡献。 

你们正在计划在 9 月进行新一轮的种子融资 , 这将如何帮助你们发展 

品牌和产品 ? 

这会有很大的帮助 ! 就像前面说的那样 , 这次得奖让我们处于一个有 

利位置 , 提高了我们的可信度 , 因为赢得比赛 ,Pynk 的所有人都非 

常感激和自豪。如果您关注了 Pynk, 您就会知道我们对此次竞赛以 

及其他进行的计划也很重视。我们得到了英国苏格兰皇家银行、英国 

NatWest 加速器、加拿大 Creative Destruction Labs 以及 360 Labs 的 

支持 , 他们给了我们一笔风险投资 , 帮助我们做好扩大规模的准备。 

所有这些都是为了帮助我们在 2019 年 9 月进行下一轮融资。 

Pynk 希望在 5 年后发展成为什么样的公司 ? 

Pynk 是一个雄心勃勃的团队 , 我们的目标是成为一个管理全球投资 

者的数十亿美元资产的独角兽公司。最重要的是 , 我相信我们的团队 

能实现这一目标。而且很棒的是 , 随着 Pynk 的发展 , 也有更多的优 

秀人才请求加入我们 , 并希望参与其中。这一切都要追溯到我们为日 

常投资者建立更公平的投资模式的愿景 , 年轻投资者们都相信这一概 

念。这不仅仅是投资 , 我们还希望将权力交还给社区成员 , 这样就可 

以通过群策群力的方法 , 让他们就他们的资金部署地点和方式发表意 

见。虽然我们不能解决世界上所有的问题 , 但我们可以共同建立一个 

更好的模式 , 这样至少可以用正确的方式做事。 


SEEKING SYNERGY 

寻求协同效应 

CHRIS CARDONA, 

MINISTER FOR THE 

ECONOMY, INVESTMENT 

AND SMALL BUSINESS OF 

MALTA WRITES ABOUT HOW 

TWO OF MALTA’S FASTEST- 

GROWING ECONOMIES 

– MEDICAL CANNABIS 

AND EMERGING TECH, 

ARE FINDING COMMON 

GROUND AS THEY MERGE 

TO REACH NEW LEVELS OF 

INNOVATION. 

马耳他经济、投资和小型企 

业部长 Chris Cardona 介绍马 

耳他经济增长最快的两大行 

业 ( 医用大麻和新兴技术 ) 

如何找到共同点 , 融合并达 

到新的创新水平。 



Times are changing and nothing is evidence of that truism more 

than the fact that medical cannabis and blockchain have become 

ground-breaking sectors of the Maltese economy. When you 

strike down medical cannabis and blockchain in two different boxes, you 

may realise that the two subjects sit in two different worlds. However, 

if you put them in the same box, you will realise that together they may 

form an important relationship that creates a secure flow of data to help 

in the legality and research of the use of medical cannabis. 

Just over a year ago, the Maltese government introduced legislation on 

the ‘Production of Cannabis for Medical and Research Purposes’ which 

made us the first EU Member State to provide a regulatory framework 

for medical cannabis. However, unlike most industries, medical 

cannabis faces greater legislative and regulatory scrutiny than average. 

This is where blockchain technology comes in. In examining the current 

state of the medical cannabis market, it’s clear that implementing this 

new technology would solve some pressing problems in the industry. 

For a long time, cannabis cultivation has traditionally been a fragmented 

cottage industry with minimal quality standards. Yet we have managed 

to change this by providing a stable regulatory framework which 

attracts massive global players. Nevertheless, in this industry it is 

paramount that the entire supply chain is up to code. In fact, some 

companies are already using blockchain technology to create secure 

records that track cannabis from seed to sale. For example, if pharmacy 

A has sold medical cannabis to person A, the blockchain will create a 

record online. Since the link will be transparent, it gives an opportunity 

to the regulator to study and investigate that medical cannabis is being 

bought for the right use and stocktaking purposes. This creates an 

element of trust that the origin, quality and safety of the product are in 

compliance with regulations. 

It also gives an opportunity for audit companies to create the right 

strategy to audit medical cannabis suppliers so the right tax is being 

held by the government and paid by the suppliers. The transparency 

created in this process will ensure top-quality products by decreasing 

black-market involvement. By having medical cannabis tracking 

systems go all the way from seed-to-sale we are transforming medical 

cannabis from a cottage style industry to a lucrative and thriving 

industrial sector. This will contribute to the reputation of the product 

and industry itself. 

Furthermore, the links established by blockchain technology will 

also help grow the medical research and clinical trials as blockchain 

uses a hash to determine and keep track of links to give a platform to 

medical research to monitor and create true statistics about the effect 

that medical cannabis is having upon the country’s healthcare. From 

tracking consumption to creating cheaper, more effective regulatory 

oversight of businesses, blockchain tech has the potential to better 

serve everyone from investors, to entrepreneurs and government alike. 

关于时代在变化 , 没有比医用大麻和区块链竟然成为了马耳他 

经济的突破性行业更好的证明了。如果分开审视医用大麻和区 

块链 , 您可能会发现这两样东西天然属于两个不同的世界。但 

是如果将它们放在一起 , 您就会发现它们之间可以形成重要的 

关系 , 并创造出安全的数据流 , 从而帮助人们合法使用并研究 

医用大麻。 

就在一年多前 , 马耳他政府出台了关于 “ 医学和研究目的下的 

大麻生产 ” 法律 , 并成为第一个为医用大麻提供监管框架的欧 

盟成员国。然而 , 与大多数行业不同 , 医用大麻面临着远超平 

均要求的立法和监管审查。这正是区块链技术的用武之地。在 

检视医用大麻市场的现状时 , 我们清楚地认识到这项新技术有 

助于解决行业中的一些紧迫问题。 

长期以来 , 大麻种植一直是零散的家庭作坊式产业 , 质量标准 

极低。即使如此 , 我们仍旧提供了一个吸引大量全球参与者的 

稳定监管框架 , 成功改变了这一状况。无论如何 , 在这个行业 

中 , 整个供应链都符合规范是重中之重。事实上 , 一些公司已 

经在使用区块链技术创建安全记录 , 从种子到销售全程跟踪。 

例如 , 如果某药房将医用大麻出售给某人 , 那么区块链会创建 

相关的线上记录。由于链接是透明的 , 因此监管机构可以研究 

和调查购买者是否出于正当用途和存货盘点目的购买医用大 

麻。这就增强了交易可信度 , 即产品的原产地、质量和安全性 

都符合法规。 

“ 我们迫切需要所有利益相 

关者共同努力 , 不仅要在当 

前的经济产业中 , 还要在各 

产业之间寻求协同效应 ” 

它还让审计公司有机会制定恰当的战略 , 用于审计医用大麻供 

应商 , 以便政府获得相应的税收 , 且税款由供应商支付。此过 

程所实现的透明度有助于减少黑市的参与 , 确保高质量的产 

品。得益于医用大麻跟踪系统全程监控从种子到销售的整个过 

程 , 我们将医用大麻从小作坊式行业转变为利润丰厚且蓬勃发 

展的工业部门。这也有助于提升产品和行业的声誉。 

此外 , 区块链技术建立的链接也可以促进医学研究和临床试验 

的发展 , 因为区块链使用混编来确定和跟踪链接 , 这就为医学 

研究打造了平台 , 以监测和创造关于医用大麻对国家医疗保健 

影响的真实统计数据。从跟踪消费到实现更低廉、更有效的企 

业监管 , 区块链技术能够更好地为包括投资者、企业家和政府 

在内的每个人提供服务。 



“ What is truly 

needed is a 

concerted effort 

by all stakeholders 

to seek synergies 

not only within 

current economic 

industries but also 

between them ” 

And that’s not all. Blockchain can be used to create standardised 

and easily accessible medical records. By implementing a blockchain 

system to store patient records, the medical cannabis industry 

would be increasing its regulatory compliance. As a result, this will 

improve patient outcomes as physicians may use systems with 

automated compliance reporting and ledgers that securely store 

patient information. Blockchain can therefore offer medical cannabis 

companies a value-added service which enhances business 

efficiency and immutability, meaning that the data and metadata 

stored are unchangeable. 

Malta has the possibility of attracting new start-ups in a number 

of industries. What is truly needed is a concerted effort by all 

stakeholders to seek synergies not only within current economic 

industries but also between them. I am excited to see the 

possibilities and to see how this new technology can help the 

medical marijuana industry reach new levels of innovation in 

business, security and other areas. 

As medical cannabis and blockchain are currently reigning among 

the most popular topics in the global economy, I am truly satisfied 

that Malta, a tiny island in the Mediterranean, has embraced these 

industries and is actively looking at how these two forces can 

work together. As a government, we have always been focused 

on investing in the future and we are always on the search for 

new business growth opportunities for the benefit of our citizens, 

particularly for our younger generation. 

它能做的不只是这些。区块链可用于创建标准化且易于访问的医疗记 

录。通过实施区块链系统来存储患者记录 , 医用大麻行业将提高其监管 

合规性。有了可自动生成合规报告的系统和安全存储患者信息的分类 

账 , 医生可以大大改善患者的治疗效果。因此 , 区块链可以为医用大麻 

公司提供增值服务 , 提高业务效率和不可变性 ( 即存储的数据和元数据 

是不可更改的 )。 

马耳他有吸引到众多行业的初创公司的可能性。我们迫切需要所有利益 

相关者共同努力 , 不仅要在当前的经济产业中 , 还要在各产业之间寻求 

协同效应。我很高兴能看到这种可能性以及新技术是如何帮助医用大麻 

行业在商业、安全和其他领域达到更高的创新水平。 

由于医用大麻和区块链目前是全球经济中最热门的话题 , 我非常高兴马 

耳他这个地中海的小岛国主动拥抱这些行业 , 并且在积极研究让这两项 

产业协同工作。作为马耳他政府 , 我们一直专注于投资未来 , 寻求新的 

业务增长机会 , 造福我们的公民 , 特别是年轻一代。 


Conference 1 - 

Compliance and 

Regulation 

第一次大会 —— 

规章及监管 

Joseph Muscat, 

Prime Minister of Malta 

Michelle Chivunga N, 

Chair - British Blockchain Association 

7th Nov - Intercontinental, Malta 

In a world first, at last year’s Malta 

thoughts, saying, “Having a framework 

Blockchain Summit, the Maltese 

on ethical and trustworthy AI is crucial as 

government brought in three key pieces of this will serve as guidance in the creation 

DLT legislation, securing a legal framework of trustworthy AI projects but most 

to afford blockchain businesses an 

importantly it will play a crucial part in 

infrastructure that offers support and instilling trust amongst the public.” 

stability, as well as setting a standard 

The most prominent examples 

for other countries to follow Malta’s lead. 

of combining AI with blockchain, 

Indeed, the Hon. Silvio Schembri, our 

exemplifying the need for oversight 

cover VIP for this issue of Block, has had a 

and regulation, as well as a futureproof 

code of practice, are the many 

busy couple of years travelling the world 

to speak at blockchain conferences about 

DAOs that have emerged in the last 

regulation in the sector. 

couple of years. DAOs (Decentralised 

Autonomous Organisations) are a bright 

Now in 2019, we have the Malta Ethical AI 

new avenue for blockchain powered by 

framework, which was published by the 

AI, where a new approach to regulation 

Malta AI Taskforce in August. Building 

and legislation must be carved out to 

on the three DLT bills from 2018, the 

define accountability for the actions 

framework further increases regulatory 

and decisions made by AI programming 

guidelines in an effort not to control the 

that exists as a self-standing business, 

way businesses work in the space, but 

without direct human control. 

to open the doors to a sandbox where 

ideas can be seeded and find support All of these issues and much, much more 

and growth. At the time, Silvio Schembri will be discussed in the conference on 

encouraged the public to offer their 

Compliance and Regulation. 

Raul L. Lambino, 

Managing Partner - R. Lambino & Partners 

David Orban, 

Founder - Network Society Ventures 

Steve Tendon, 

Director - Chainstrategies 

在去年的马耳他区块链峰会 ( 全球第一次 ) 

上 , 马耳他政府提出了 DLT 立法的三个关键 , 

以确保一个法律框架 , 来为区块链业务提供 

支持和稳定的基础设施 , 并为其他国家效仿 

马耳他设定一个标准。事实上 , 我们这一期 

Block 杂志的封面嘉宾 Silvio Schembri 几年来 

一直忙于周游世界 , 并在区块链大会上就该 

行业的监管问题发表演讲。 

现在 , 在 2019 年 , 我们有了马耳他人工智 

能道德框架 , 该框架于 8 月由马耳他人工智 

能特别工作组发布。在 2018 年开始的三项 

DLT 法案的基础上 , 该框架进一步增加了监 

管指导 , 目的不是控制企业在该领域的运作 

方式 , 而是要打开一扇通往沙盒的大门 , 

在沙盒中播种思想 , 获得支持和成长。同 

时 ,Silvio Schembri 鼓励公众提出他们的想 

法 , 他说 :“ 建立一个道德的且可信任的人工 

智能框架至关重要 , 因为这将指导可信任的 

人工智能项目的创建。但最重要的是 , 它将 

在向公众灌输信任理念时发挥关键作用。” 

将人工智能与区块链相结合的最突出的例子 

是前几年出现的许多 DAOs, 证明了监督和监 

管的必要性 , 以及一个未来可验证的业务准 

则的必要性。 DAOs( 去中心化自治组织 ) 

是人工智能所驱动的区块链的一条光明的新 

途径 , 在这里必须制定新的监管和立法 , 以 

界定人工智能程序所采取的行动和决策的责 

任。这些行为和决策作为独立的业务存在 , 

没有直接的人为控制。 

所有这些问题及更多问题将在 “ 规章及监 

管 ” 会议上讨论。 




Following the thawing of the crypto 

fungibility, and transparency in this new 

winter earlier this year, our Malta AI & and evolving market. 

Blockchain Summit speakers deliver some 

The same afternoon will see Tony Evans 

diverse insights into the world of crypto 

return to the Malta AI & Blockchain 

and fintech, highlighting some of the 

Summit stage to discuss the Fourth 

successes, some of the problems, and 

Industrial Revolution, as Enterprise 

what the future might hold for the sector. 

Ethereum comes into its own. Enterprise 

Last time round, Bobby Lee encouraged Ethereum is set to streamline financial 

everyone to see Bitcoin as a store of markets, manage supply chains and 

value, rather than a short term trading create new business models for secure, 

opportunity, saying, “Even though 

scalable and flexible business models. 

Bitcoin is a cryptocurrency and people This is blockchain at its most industrious! 

can use it in their daily lives, for the next 

There’s also plenty of other essential 

10 years its primary use should be as an 

topics relating to fintech, with a 

investment. Despite the fact that Bitcoin 

number of VIP experts providing 

has grown so much in value, reaching 

enlightenment for the audience on 

US$100 billion, I think there’s much more 

subjects including blockchain malware, 

room to grow. I think it could reach and 

scalability, arbitrage, and the changing 

exceed gold which is US$8 trillion.” 

face of financial crime. Hosted by FTI 

Brock Pierce looks to continue this 

Consulting, with more than 30 top 

viewpoint at this November’s AIBC 

speakers, make sure you block out your 

Summit, looking at crypto economics - afternoon for a full-scale assault on what 

getting into the specifics about liquidity, you think you know about fintech! 


The Future of 

Fintech 

第二次大会 —— 

金融科技的未来 

Alexander Borodich, 

Founder & CEO - Universa 

Mati Greenspan, 

Financial Markets Analyst & Strategic Adviser 

随着今年早些时候加密货币寒冬的消融 , 马 

耳他人工智能和区块链峰会的各路发言人对 

加密货币和金融科技领域提出了一些不同的 

见解 , 强调了一些成功之处、一些问题以及 

该行业的未来景象。 

上一次 , 鲍比 · 李 (Bobby Lee) 鼓励大家把 

比特币看作是一种价值储备 , 而不是短期的 

交易机会。他说 :“ 尽管比特币是一种加密 

货币 , 且人们可以在日常生活中使用它 , 但 

在未来 10 年里 , 它的主要用途应该是一种投 

资。尽管比特币的价值增长如此之快 , 达 

到了 1000 亿美元 , 但我认为还有更大的增 

长空间。我认为它可以达到并超过价值 8 万 

亿美元的黄金。” 

布洛克 · 皮尔斯 (Brock Pierce) 希望在今年 

11 月的 AIBC 峰会上继续阐述这一观点 , 着 

眼于加密货币经济 —— 在这个新的不断演 

变的市场中深入了解流动性、可替代性和 

透明性。 

在当天下午 , 托尼 · 埃文斯 (Tony Evans) 

会重返 AIBC 峰会来讨论第四次工业革命 , 

因为企业以太坊已成为工业革命的一部分。 

企业以太坊旨在简化金融市场 , 管理供应 

链 , 并创建安全、可伸缩、灵活的新业务模 

式。这是区块链最大的成果 ! 

还有很多其他与金融科技相关的重要话 

题 , 一些嘉宾专家向观众讲述了关于区块 

链恶意软件、可伸缩性、套利和金融犯罪 

的变化等主题。本次大会由 FTI 咨询公司 

主办 , 有 30 多位顶级演讲者主讲 , 确保您 

在午后时间全面刷新自己对金融科技的了 

解 ! 

Virgil Griffith, 

Special Projects - Ethereum Foundation 

Bobby Lee, 

Crypto Entrepreneur 

Adam Todd, 

Founder - Digitex Future Exchanges 



Business & 

Emerging Tech 

第三次大会 —— 

商业和新兴技术 

Adam Back, 

CEO - Blockstream 

Miko Matsumura, 

General Partner - Gumi Ventures 


From enterprise machine learning 

ahead and seeps into everyday life. Given 

algorithms to a blockchain-based Web 3.0 the exponential increase in computing power 

transition, the AIBC Summit covers all the and robust artificial intelligence systems, an 

juicy topics in the world of business and ethical AI strategy is eminently desirable. 

emerging technology. 

Intelligent automation is also on the agenda 

There’s simply so much to talk about when 

as we look into the next wave of enterprise 

it comes to the future of business and 

productivity with Earle G. Hall. The gap 

emerging tech that one morning surely can’t 

between ambition and execution is set 

cover it all, but we’ve assembled some of the 

to get much narrower with AI’s limitless 

best speakers from across the sectors of AI, 

applications. What are the next steps for 

crypto-economics, and blockchain business 

autonomous processes in the workplace? 

to tell you as much as they can. 

Find out in this mid-morning keynote. 

A firm favourite at our May event, Professor 

There’s a plethora of other unmissable 

Noel Sharkey reprises his role as AI supremo 

conversations to be heard, covering 

to explore the current and future states of 

everything from cybersecurity and passive 

relationships between droids and humans. 

data aggression, to fundraising for start-ups 

We’re being seduced into new kinds of 

relationships with tech gadgets, but what 

and deep learning to optimise human error. 

kind of relationship can you have with a 

The final panel of this conference brings 

machine? Sharkey says ‘it’s complicated’ 

together five top experts to investigate the 

but in his morning keynote, he’ll explain why. 

ups and downs of AI integration into our 

Angelo Dalli continues the theme of AI and daily lives, with a discussion on research 

the ethical implications to be considered as and development, trends to look out for, and 

development of this new technology surges pitfalls to avoid. 

David Sachs, 

CEO - Tomobox 

Tim Draper, 

Founder - Draper Associates 

Yorick Wilkes, 

Computer Scientist 

从企业机器学习算法到基于区块链的 Web3.0 

,AIBC 峰会涵盖了商业和新兴技术领域的所有 

热门话题。 

在谈到商业和新兴技术的未来时 , 我们有太多 

的话题要谈 , 以至于一个上午肯定无法涵盖所 

有内容。但我们已经召集了人工智能、加密货 

币经济和区块链商业领域的一些最优秀的演讲 

者 , 他们会竭尽所能地阐述自己的观点。 

诺埃尔 · 夏基 (Noel Sharkey) 教授是我们五月 

活动中最受欢迎的人物 , 他是人工智能领域的 

领军人物 , 旨在探索机器人和人类关系的现状 

和未来。我们正被吸引到与科技产品的新型关 

系中 , 但您能与机器建立什么样的关系呢 ? 夏 

基说 “ 这很复杂 ”, 但在他上午所作的主题演 

讲中 , 他会解释原因。 

安杰洛 · 达利 (Angelo Dalli) 会继续讲述人工 

智能的主题。随着这项新技术的飞速发展并渗 

透到日常生活中 , 伦理问题应予以考虑。考 

虑到计算能力的指数级增长和人工智能系统的 

强大 , 一个合乎道德的人工智能战略是十分可 

取的。 

随着我们与 Earle G. Hall 一起探讨下一波企业 

生产力的浪潮 , 智能自动化也被提上了议事日 

程。随着人工智能无限的应用 , 愿景与行动之 

间的差距将会越来越小。工作场所自治过程的 

下一步是什么 ? 请在上午的这个主题演讲中寻 

找答案。 

还有大量不应忽略的对话需要倾听 , 从网络安 

全和被动的数据攻击 , 到为初创企业筹集资 

金 , 再到深度学习以优化人为错误。 

这次会议的最后一个小组汇集了五位顶尖专 

家 , 来共同调查人工智能融入我们日常生活的 

点点滴滴 , 同时讨论如何研究与开发、需要注 

意的趋势和需要避免的陷阱。 




Truly transformative solutions to large-scale a secure, a peer-to-peer mechanism for 

problems are created when different people verifying information. This meeting of minds 

are brought together to make what would looks set to challenge our understanding of 

otherwise be considered unusual connections. how the world works, and how the future will 

The final conference at our winter edition level the playing field. 

of the AIBC Summit takes a deep dive into 

the world-changing applications of AI and On a similar note, the process of banking the 

blockchain technology. 

unbanked continues to bring equality and 

opportunity to the world’s disadvantaged 

First up is a look at the opposing nature of 

populations. This is one of the most 

traditional finance systems and the new 

important issues for huge swathes of the 

decentralised, high-speed money transfer 

planet’s 7.5 billion residents, so many of 

market. Blockchain is revolutionising the 

whom will be given new focus on joining 

payment space as transaction protocols and 

the 21st century as identity, finance, and 

intermediaries like Swift, Visa and Mastercard 

business converge in the DLT space. It’s a 

begin to feel the heat. As entrants with new 

future that brings hope to many millions 

operational models hit the market, we find out 

of people who are often stuck in a loop of 

where this leaves traditional finance. 

institutional indifference. 

Later the discussion moves to emerging 

economies, and a panel of leaders in 

With other panels and keynotes looking 

the space talk about the opportunities 

at democracy, DAOs, the job market, and 

blockchain presents for balancing the 

how blockchain will promote change and 

equality of information in the DLT era. 

empowerment of the people, this afternoon 

Developing countries like India, Kenya and of hot debate looks set to be a heated affair. 

others in East Africa are discovering an array Dive right in and see what you agree or 

of applications for blockchain that promises disagree with. 


The Innovation 

Edge 

第四次大会 —— 

创新优势 

Akon, 

Chairman & Co-Founder - Akoin 

Dimitri de Jonghe, 

Co-Founder, Head of Product & Research - 

Ocean Protocol 

Ran Neuner, 

Founder & CEO - Onchain Capital 

当不同的人聚集在一起 , 形成不寻常的联系 

时 , 就产生了解决大规模问题的真正变革性的 

解决方案。在冬季 AIBC 峰会的最后一次大会 

上 , 我们深入探讨了人工智能和区块链技术不 

断变化的应用领域。 

首先 , 我们来看看传统金融体系与新的去中心 

化的高速货币转移市场的对立性质。区块链正 

在彻底改变支付领域 , 因为交易协议和中间机 

构如 SWIFT、Visa 和万事达卡都开始感受到压 

力。随着新运营模式进入并冲击市场 , 我们发 

现这给传统金融业带来了巨大影响。 

随后 , 讨论转移到了新兴经济体 , 一个区域领 

导小组讨论了区块链为平衡 DLT 时代的信息平等 

所带来的机遇。印度 , 肯尼亚和东非的其他发 

展中国家正在开发一系列区块链应用程序 , 有 

望建立一个安全的点对点信息核实机制。这次 

会议看来将挑战我们对世界如何运作以及未来 

将如何公平竞争的理解。 

同样 , 无银行的银行业务进程继续为世界上处 

于不利地位的人们带来平等和机会。对于地球 

上 75 亿居民中的大部分人来说 , 这是最重要的 

问题之一。随着身份 , 金融和商业在 DLT 领域的 

融合 , 他们中的许多人将被重新关注以加入 21 

世纪。这是一个给数百万人带来希望的未来 , 

这些人常常陷入体制冷漠的循环中。 

在其他小组讨论和主旨发言中 , 讨论了民 

主、DAOs、就业市场以及区块链将如何促进变 

革和赋权于人民 , 今天下午的激烈辩论看来将 

会造成轰动。深入现场 , 看看那些您赞同或反 

对的观点吧。 

Anthony Pompliano, 

Co Founder & Partner - Morgan Creek Digital 

Simona Pop, 

Co-Founder - Bounties Network 


What the VIPS had to say 

THERE’S A LOT KEEPING THE TECH WORLD UP AT 

NIGHT RIGHT NOW. SIX OF OUR TOP SPEAKERS 

FROM THE MAY EDITION OF THE MALTA AI AND 

BLOCKCHAIN SUMMIT OFFER THEIR INSIGHT. 

如今注定是令科技界激动的无眠之夜。马 

耳他人工智能和区块链五月峰会的六位顶 

尖演讲者分享了他们的见解。 

“ 

THE CHANGING NATURE OF THE CRYPTO MARKETS 

brock pierce 

加密货币市场不断变化的本质 

“ 

“ 

THE CHALLENGES PRESENTED BY ADVANCING ROBOTICS 

David Gunkel 

推进机器人技术所带来的挑战 

“ 

“In 2017 the cockroaches came out, the market was 

infected and we had all of the wrong people doing things 

for the wrong reasons. We had to go through these bear 

markets, which I think of as a purge. 

“The robots that we are developing, the digital system and everything else 

we are familiar with, are pushing on those boundaries asking us to describe 

a social status that is a little different from what we used to - this eventually 

impinges on legal questions – do you recognise a robot as a person? 

“I choose to define my success as the impact I’m having in 

the world, how many lives I positively impact. Figure out 

in life what it is you’re passionate about, what it is your 

good at, and what the world needs. If you’re doing what 

you’re good at and what you love, you’re going to be very 

successful at it and wealth will be a by-product of that.” 

“If you make these devices like social robots that come into our homes and 

we have social relationships with – what is their status? They’re not quite a 

thing; they’re not quite a person, who’s liable? We don’t have a lot of examples 

of things in our world that have that in-between kind of status. The question 

is whether we can always tie liability and accountability to a human being 

when you have machines enabling independent decision making.” 

“2017 年出现了几只蟑螂 , 结果整个市场反应过度 , 错误的人 

出于错误的原因而做了错误的事。然后我们不得不经历这些熊 

市。不过我认为这是一个清理和净化的过程。 

我将自己的成功定义为我对这个世界的影响 , 我积极地改变了 

许多人的生活。我们需要在生活中弄明白自己热爱什么、擅长 

什么 , 以及世界需要什么。只要做自己擅长和喜欢的事情 , 你 

就能非常成功 , 而财富不过是此过程的副产品。” 

“ 我们正在开发的机器人、我们所熟悉的数字系统和其他一切技术正在打破这些 

界限 , 要求我们定义一个不同以往的社会地位 —— 这最终会延伸到法律问题 : 你 

认为机器人是人吗 ? 

如果你让这些设备 ( 比如社交机器人 ) 进入我们的家庭 , 并与它们建立起社会关 

系 —— 那它们的地位是什么 ? 它们算不上一件东西 , 也算不上是人 , 责任谁来承 

担 ? 在我们的世界中 , 我们很少遇到这种状态模棱两可的事物。问题是 , 当你拥 

有能够独立决策的机器时 , 我们是否总能将责任与人类联系起来。” 



“ 

HOW AI CAN REVOLUTIONISE MODERN SOCIETY 

Ben Goertzel 

人工智能如何变革现代社会 

“ 

“ 

Noel Sharkey 

FINDING THE RIGHT BALANCE BETWEEN AI 

AND HUMAN DECISION MAKING 

在人工智能与人类决策之间找到适当的平衡点 

“ 

“The complexity of modern society goes beyond the ability of 

any human being to comprehend or control, in this sense, AI 

could be much better at political and social decision making 

than human beings. 

“Human beings will set the value systems and AIs will figure 

out how to optimise policy to achieve those specified values. 

Most nations on this planet are not very well configured to 

the value system of anyone at the moment, partly because of 

human greed and selfishness. 

“This is the beginning of an AI revolution. We are going to 

usher in a new era where AIs and humans live together 

peacefully. This is where I think blockchain can play a key role – 

providing a more decentralised, democratic, and participatory 

framework, where AI is guided by everyone who is putting data 

in it and using it. This can lead to a more beneficial transition to 

super intelligence.” 

“We’re also seeing a massive problematic area of 

algorithmic decision making, where it’s becoming very 

apparent that its gender biased and racially biased. What 

we have at the moment is an evolving society, our norms 

are changing. 

“We’ve changed a lot but unfortunately the data locked in 

our internet is not changing and that’s what we’re using to 

train these systems. AI can work really well a lot of the time, 

but when it makes a mistake, boy does it make a mistake. 

It goes right off the rails. So, I want human deliberation on 

those kinds of decisions (such as for medical care). In the 

political sphere, I worry it could destroy our democracy not 

save it, because we’ve seen all the stuff with fake news, 

we’ve seen the collection of Facebook data and how it can 

be used to manipulate populations.” 

“ 现代社会的复杂性超出了任何人的理解或控制能力 , 从这个意义 

上说 , 人工智能在政治和社会决策方面要比人类好得多。 

人类负责设定价值体系 , 人工智能将找出优化政策的方式 , 以实现 

这些指定的价值。这个星球上的大多数国家目前并没有成形的适合 

任何人的价值体系 , 部分原因在于人性的贪婪和自私。 

这是人工智能革命的黎明。我们将迎来一个人工智能与人类和平共 

处的新时代。我认为区块链将在其中发挥关键作用 —— 提供一个更 

加分散、民主和广泛参与的框架 , 人工智能由每个输入数据并使用 

它的人引导。这样就能更好地过渡到超级智能并造福更多的人。” 

“ 我们也发现了算法决策中存在的诸多问题 , 很明显会与性别和种 

族偏见相关。我们现在拥有的是一个在不断进化的社会 , 其习俗也 

在不断改变。 

虽然我们已经改善了很多 , 但是用来修整系统的数据却一直储存在 

互联网上且并没有改变。人工智能在大多数时候确实有效 , 但是当 

他们出现错误的时候 ( 他们确实是会犯错误的 ), 整个行程就会偏 

离轨道。所以这种时候我们需要人类来审查这些决策 , 比如在医护 

行业的决策。在政治范围里 , 我担心人工智能会毁灭而不是拯救我 

们的民主体系 , 因为我们已经看到了许多类似的事例 , 比如虚假新 

闻 , 或者利用收集到的大量脸书上的信息来操控大众。” 




创新之岛 

HAVING POSITIONED MALTA AS A LEADER IN BLOCKCHAIN AND 

DLT TECHNOLOGY, THE GOVERNMENT HAS LAUNCHED THE 

MALTA STRATEGY FOR ARTIFICIAL INTELLIGENCE AND WITH THE 

ASSISTANCE OF THE SPACE TASK FORCE, IS CURRENTLY DEVISING A 

SPACE STRATEGY FOR THIS TINY NATION IN THE MEDITERRANEAN 

- IT IS CLEAR THAT MALTA IS ENTERING A NEW ERA OF DIGITAL 

INNOVATION. THE JUNIOR MINISTER FOR FINANCIAL SERVICES, 

DIGITAL ECONOMY AND INNOVATION WITHIN THE OFFICE OF THE 

PRIME MINISTER OF MALTA SILVIO SCHEMBRI, SITS DOWN FOR AN 

EXCLUSIVE INTERVIEW FOR THIS ISSUE’S COVER STORY. 

随着马耳他成为区块链和 DLT 技术的先驱者 , 政府已针对人工智能推出了马 

耳他战略 , 该国空间任务组制定了一项空间战略 , 很显然 , 马耳他正在进入 

一个数字创新的新时代。马耳他 (Malta Silvio Schembri) 总理府办公室内 

的金融服务 , 数字经济与创新部副部长 , 对本期封面故事接受了专访。 


WHY HAS THE GOVERNMENT CHOSEN TO PURSUE 

A DIGITAL FUTURE FOR MALTA? 

If you look at the past four years we’ve been 

enjoying substantial economic growth, In order 

for the economy to be resilient to external shocks 

we have to continue to diversify and explore new 

niches to sustain our economic growth. 

So for this reason we have delved into niche 

economic areas. We started two years ago with 

blockchain and we’ve been attracting significant 

investment to our island, not only in terms of 

crypto but also in other areas of technological 

developments. Now we’re seeing new development 

in companies that are investing in technology and 

coming here to work and operate from Malta. We’re 

also seeing a spill-over effect, such as companies 

from the iGaming industry who are producing new 

products supported by blockchain technology. 

Given that we’ve been the first country to go into 

this direction, I would say that such companies feel 

more comfortable working in Malta and expanding 

their operations since our framework is aimed at 

providing legal certainty. Therefore, instead of 

having a company operating in just the iGaming 

industry, these companies are now operating in 

ancillary activities, such as blockchain and AI. 

ALSO CENTRAL TO THE GOVERNMENT’S VISION 

IS FOR THE ISLAND TO BECOME A CENTRAL HUB 

FOR VIDEO GAME DEVELOPMENT AND ESPORTS... 

In May we launched our strategy on video games 

development and eSports – we currently have 

about 12 companies operating, including one AAA, 

which is the highest level a company can reach. At 

the moment there are about 200 people employed 

in the industry, which represents about 0.1% of 

our GDP, which is very minimal. The idea with this 

strategy is that within a period of 10 years this will 

increase to 1% of our GDP - attracting more people 

to work in video games development. 

This continues to give more reasons to operators 

to continue to invest in 

Malta. The video games 

business model is structurally 

different from iGaming. Game 

developers need industry-led 

and sector-specific expertise 

and support to be able to grow. 

Hence, after discussion with 

key stakeholders we sought 

to take significant educational 

initiatives to sustain the 

existent talent pool, cater 

for the needs of the industry 

and make it easier for future 

generations to pursue a career 

in this thriving sector. The proactiveness 

of this government 

to look into new areas, embrace new technology 

and tread into unchartered territories where 

other countries hesitate to go, sends a significant 

message to companies in this sphere which are 

looking to operate from here. 

We’ve also signed a MoU with one of the biggest 

eSports organisers – ESL and in October the 

first initiatives will be launched in Malta. By end 

November we will be in a position to issue first 

strategy in terms of initiatives such as educational 

programs, tax incentives, and schemes. 

“ The proactiveness 

of 

this government, 

sends a significant 

message to 

companies in this 

sphere which are 

looking to operate 

from here ” 



为什么马耳他政府选择追求数字化的未来 ? 

如果你回顾一下过去四年 , 你会发现我们的经济一直在快 

速增长。马耳他的经济在很大程度上是以服务业为基础 

的 , 虽然具有多元化 , 但本国缺乏固定资本的实体投资。 

为了将风险因素降到最低 , 我们必须进一步拓展多元化 , 

为我们的经济增长创造更多的缓冲和弹性。 

基于这个原因 , 我们深入研究了利基经济领域。两年前 , 

我们开始接触 DLT 和区块链 , 我们一直在大力吸引各类投 

资 , 不仅在加密技术方面 , 还包括其他技术发展领域。那 

么 , 现在我们发现了来马投资的新企业中 , 投资研发技术 

并在此运营的公司越来越多。我们也看到了溢出效应 , 例 

如来自 iGaming 行业的公司正在生产受区块链技术支持的 

新产品。 

由于我们是第一个朝着这个方向发展的国家 , 我想说 , 这 

些公司在马耳他工作和发展业务时会感到更安全 , 因为 

我们框架的宗旨是要为这一领域的经营者提供法律上的支 

撑。因此 , 这些公司不再仅仅限于开发 iGaming 行业 , 而 

是从事三产活动 , 如区块链和人工智能。 

政府愿景的核心也是让马岛成为电子游戏开发和电子竞技 

的中心枢纽 …… 

今年 5 月 , 我们启动了有关视频游戏开发和电子竞技的战 

略 - 我们目前大约有 12 家公司在运营 , 其中包括一家 AAA 公 

司 , 这是一家可以达到同行业最高水平的电竞公司。目前 

该行业约有 200 名从业人士 , 约占国内生产总值的 0.1%, 

这是非常少的。这一战略的理念是 , 在 10 年内 , 这将增加 

到我们国内生产总值的 1%—— 吸引更多的人从事视频游 

戏开发。 

这将保持运营商有更多理由继续在马耳他投资。电子游戏 

的商业模式在结构上不同于 iGaming。游戏开发商需要行 

业主导和特定行业的专业知识和支持才能发展。因此 , 在 

与主要利益相关者进行讨论之后 , 我们寻求采取重要的教 

育举措来维持现有的人才库 , 以满足行业的需求 , 并使子 

孙后代在这个蓬勃发展的行业中更容易定位自己的职业规 

划。本届政府积极探索新领域 , 采用新技术涉足其他国家 

犹豫不决的未知领域 , 这向该领域中希望在此开展业务的 

公司发出了重要信号。 

我们还与最大的电子竞技组织者之一 ESL 签署了谅解备忘 

录 , 并且首批政策将于 10 月在马耳他启动。到 11 月底 , 

我们将根据教育计划 , 税收优惠和政策指引发布第一个战 

略措施。 


IS MALTA’S INFRASTRUCTURE EQUIPPED TO HANDLE 

INNOVATION-DRIVEN GROWTH? 

It’s a very valid concern, and it’s a reality. In Malta the 

population has increased significantly in a very short amount 

of time, it’s the highest population growth in Europe. 

That is why two years ago we launched a program to change 

the physical infrastructure. We’ll be implementing a number of 

improvements, including widening of roads, as well as looking 

at other ideas, such as making deliveries through drones. 

We’re investing in a new telecom cable between Malta and 

Gozo, which is being built as we speak and we have a tender 

for a cable between Malta and Marseille, with the possibility of 

investing in another cable between Libya and Malta - so that 

Malta can act as a connectivity hub between Europe and Africa. 

In terms of digital infrastructure we’re seeking to continue 

strengthening this aspect. We have in fact launched our 

cybersecurity campaign and a new scheme for the private 

sector called B Secure, where private entities can apply for 

this fund and have their system checked by a private company 

free of charge, with an initial report provided to that company 

to show the loopholes and where they need to invest in order 

to protect against cyber attacks. 

We can see a huge amount of investment in terms of tech 

advancement, such as that being done by the MFSA. The 

newly set up registry of companies, now known as the Malta 

Business Registry, will be fully operational on blockchain 

and AI by the end of this year. We have also set up a new 

promotional entity - Tech MT, which will promote all tech 

advancements and initiatives in the tech industry, from AI to 

blockchain and other emerging tech. 

YOU MENTIONED THE REGISTRY OF COMPANIES WHICH 

WILL BE OPERATIONAL ON THE BLOCKCHAIN BY THE END 

OF THE YEAR, ARE THERE PLANS TO SET UP ANY MORE 

GOVERNMENT SERVICES ON THE BLOCKCHAIN? 

Yes, every registry is being analysed to be put on the 

blockchain. We have currently started by putting education 

certificates on the blockchain. Reformed rent laws will also 

require the registry of rents on the blockchain. By being 

registered using distributed ledger technologies, the contracts 

will be protected against tampering and only those authorised 

will have access to them. We plan to tackle Identity and health 

records, and tax next. 

WILL WE HAVE A NATIONAL BLOCKCHAIN OR WILL A 

DIFFERENT BLOCKCHAIN EXIST FOR EACH FIELD? 

This is something we’re still analysing. On a European level, the 

European commission has issued a tender to have a European 

platform, so depending on that result, we’ll analyse whether 

it’s more viable for us to ride on that platform or have our own 

platform. At the moment what we’re doing is building our own 

systems which can plug into other already public or private 

blockchains and eventually 

we can analyse whether to 

keep them that way or have 

a separate blockchain. 

ALTHOUGH IT’S EARLY 

DAYS YET – WHAT IS THE 

GOVERNMENT’S LONG- 

TERM VISION FOR A 

SPACE STRATEGY? 

We’re already in discussions 

with at least two European 

countries which have put 

a lot of investment into 

this area and we have 

already identified a very 

interesting project to be implemented here in Malta. Hopefully 

we will sign this agreement next month and that will take us into 

the movement of space activities. This year we launched the 

Space Task Force, which has the responsibility to devise a space 

strategy including a regulatory framework to regulate the arena. 

Here we’re not looking at the economical and research aspect 

of space, rather at things such as the registration of satellites, 

space mining, the registration of companies investing in space 

mining, and in terms of research from data used in satellites. That 

is the commercialisation aspect of space. 

LET’S TALK ABOUT AI AND MALTA’S NATIONAL STRATEGY 

– A PUBLIC CONSULTATION ON ETHICS GUIDELINES WAS 

LAUNCHED RECENTLY, WHAT ARE THE MAIN OBJECTIVES 

GOVERNING THIS? 

The Malta Ethical AI framework was up for public consultation 

and was developed based on four objectives, namely; a human 

centric approach, respect for all the applicable laws and 

regulations, human rights, and democratic values, to maximise 

the benefits of AI systems while preventing and minimising 

risks, and finally to be aligned with emerging international 

standards and norms around AI ethics. 

“ We have also 

set up Tech 

MT, which will 

promote all tech 

advancements 

and initiatives 

in the tech 

industry ” 



马耳他的基础设施是否具备应对创新驱动型增长 

的能力 ? 

这是一个非常合理的问题 , 也是一个现实。在马耳 

, 人口在很短的时间内显著增长 , 是欧洲人口增长 

率最高的国家。 

这就是为什么两年前我们启动了一个计划来改变现 

实的基础设施。我们将实施一系列改进 , 包括拓宽 

道路 , 以及考虑其他想法 , 例如通过无人机送货。 

我们正在投资在马耳他和戈佐之间的一条新的电信 

电缆 , 这条电缆正在建设中 , 我们正在投标马耳他 

和马赛之间的一条电缆 , 有可能投资另一条连接利 

比亚和马耳他的电缆 , 使马耳他成为欧洲和非洲之 

间的连接枢纽。 

在数字基础设施方面 , 我们正在寻求继续加强这 

方面的工作。事实上 , 我们已经发起了我们的 

网络安全运动 , 并为私营部门制定了一个名为 B 

secure 的新计划 , 在该计划中 , 私营实体可以申 

请这笔基金 , 并由一家私营公司免费检查其系统 , 

“ 我们同时设立了 

Tech MT, 这将进 

一步提高技术行业 

中的所有技术和计 

划的前进步伐 ” 

并向该公司提供初步 

报告 , 以显示漏洞以 

及他们需要进行投资 

的地方 , 以防御网络 

攻击。 

我们可以看到在技术 

提高方面有大量的投 

资 , 例如 MFSA 所做的 

投资。新成立的公司 

注册处 ( 现称为马耳他商业注册处 ) 将于今年年底 

使用区块链和人工智能领域全面操作。我们还建立 

了一个新的促销实体 -Tech MT, 它将促进从人工智 

能到区块链和其他新兴技术的技术行业中的所有技 

术进步和计划。 

您提到公司注册将于今年年底使用区块链技术 , 政 

府是否在其它政务服务领域引用区块链技术 ? 

是的 , 每一个注册都将被分析放在区块链上。我们 

目前已经开始将教育证书放在区块链上。改革后的 

租金法律还将要求在区块链上对租金进行登记。通 

过使用分布式分类计帐技术进行注册 , 可以保护合 

同不被篡改 , 并且只有授权的人才能访问它们。 

我们计划处理身份和健康记录 , 然后再征税。 

我们会设立一个国家级别的区块链还是每个不同的 

领域都分设不同的区块链 ? 

我们仍然在分析这个问题。在欧洲范围内 , 欧盟委 

员会 (European Commission) 已经发布了一份 

建立欧洲平台的招标书 , 因此 , 根据这一结果 , 我 

们将分析是否直接使用该平台还是设立自己的平台 

更为可行。目前 , 我们正在构建自己的系统 , 该 

系统可以插入其他已经公开或私有的区块链中 , 

最终我们可以分析是保持这种方式还是拥有单独 

的区块链。 

虽然现在还为时过早 , 但政府对太空战略的长期愿 

景是什么 ? 

我们已经和至少两个欧洲国家进行了讨论 , 他们在 

这个领域投入了大量的投资 , 我们已经确定了一个 

非常有趣的项目将在马耳他实施。希望我们下个月 

能签署这项协议 , 这将使我们参与太空活动。今 

年 , 我们成立了空间工作队 , 该工作队有责任制定 

一项空间战略 , 包括一个规范竞技场的管理框架。 

在这里 , 我们不是着眼于空间的经济和研究方面 , 

而是着眼于诸如卫星注册、空间采矿、投资于空间 

采矿的公司注册 , 以及从卫星使用的数据中进行研 

究。这就是空间的商业化方面。 

让我们来谈谈人工智能和马耳他的国家战略 —— 最 

近发起了一项关于道德准则的公共咨询 , 主要目 

标是什么 ? 

马耳他道德人工智能框架目前正在接受公众咨询 , 

是根据四个目标制定的 , 即 : 以人为本、尊重所有 

适用的法律法规、人权和民主价值观 , 最大限度地 

发挥人工智能系统的效益 , 同时预防和最小化风 

险 , 最后与围绕人工智能伦理的新兴国际标准和规 

范保持一致。 




“ Having a 

framework on 

ethical and 

trustworthy 

AI is crucial as 

this will serve 

as guidance 

in the 

creation of 

trustworthy 

AI projects ” 

Having a framework on ethical and 

trustworthy AI is crucial as this will 

serve as guidance in the creation of 

trustworthy AI projects, but most 

importantly it will play a crucial part in 

instilling trust amongst the public. It 

is these solid foundations, which will 

eventually lead us to the certification 

of AI-related projects. The Malta AI 

Taskforce has been doing sterling 

work in drafting Malta’s National AI 

Strategy which is aimed at putting 

Malta amongst the 10 nations in the 

world to have a strategy likely to 

impact every sector we know today. 

Towards the end of the year we’ll 

also make public the regulatory 

framework, to attract AI companies to Malta 

and to have internal operations operating on AI. 

This is also how we’re working in terms of digital 

structure - because it will continue to modernise 

how we provide services as a country, allowing us 

to be more avant-guard in this sphere. 

USING IOT TECHNOLOGY TO OPTIMISE 

PUBLIC SERVICES IS ALSO SOMETHING THE 

GOVERNMENT HAS BEEN INVESTING HEAVILY 

IN, WHAT PROJECTS DO YOU HAVE LINED UP? 

I see IoT as a medium for bringing tech closer 

to the people. We’ve launched initiatives with 

Vodafone, having recently signed a MOU. Our first 

project was to implement intelligent bins, which 

communicate with the constructor when 70% full, 

alerting them if there’s a problem such as fire or 

flooding– this will increase efficiency and reduce 

people traffic. 

There is also another project that is going to be 

implemented in Luqa for smart parking, where a 

free app would let parkers know where there is an 

empty parking space. This will then be expanded 

to other localities around Malta. 

We believe our continued efforts in this sphere 

will cement Malta its earned nickname as the 

Blockchain Island. It will put us at the forefront 

of this digital transformation we have embarked 

upon, as well as a hub for innovation and creativity, 

making Malta the ultimate jurisdiction of choice. 

The future is an exciting one and it is digital. 

有一个关于道德和可信赖人工智能的框架是至关重要的 , 因为这将 

作为创建可信赖人工智能项目的指导 , 但最重要的是 , 它将在向公 

众灌输信任方面发挥关键作用。正是通过这些坚实的基础 , 最终将 

引导我们获得人工智能相关项目的认证。马耳他人工智能工作组在 

起草马耳他国家人工智能战略方面做了出色的工作 , 该战略旨在使 

马耳他跻身于世界 10 个国家之列 , 从而制定出一项可能影响我们今 

天所知的每一个部门的战略。 

年底前 , 我们还将公布监管框架 , 吸引人工智能公司到马耳他 , 并 

在人工智能上开展内部业务。这也是我们在数字结构方面的工作方 

式 , 因为它将继续使我们作为一个国家提供服务的方式现代化 , 让 

我们在这一领域更加前卫。 

利用物联网技术优化公共服务也是政府一直在大力投资的项目 , 你 

已经安排了哪些项目 ? 

我认为物联网是一种让技术更贴近人们的媒介。我们最近与沃达丰 

签署了一份谅解备忘录 , 并与沃达丰展开了合作。我们的第一个项 

“ 拥有道德和可信赖的 AI 框架 

至关重要 , 因为这将为创建可 

信的人工智能项目提供指导 ” 

目是实现智能垃圾箱 , 当 70% 的垃圾装满时 , 智能垃圾箱会与施工 

方进行通信 , 如果出现火灾或洪水等问题 , 会向施工方发出警报 , 

这将提高效率 , 减少人员流量。 

还有另一个项目将在 luqa 实施 , 用于智能停车 , 一个免费的应用程 

序将让停车者知道哪里有空位。这将扩大到马耳他周边的其他地 

方。 

我们相信 , 我们在这一领域的持续努力将巩固马耳他作为区块链岛 

屿的得名。它将使我们站在我们已经开始的数字化转型的前沿 , 同 

时成为创新和创造力的中心 , 使马耳他成为我们选择的最终管辖 

地。未来是令人兴奋的 , 而且是数字化的。 


MALTA 

FINANCE: 

RISK ON 

OR OFF? 

马耳他金融 : 

追逐风险还是规避风险 ? 

WHAT INITIATIVES ARE MALTA’S 

FINANCIAL AUTHORITIES PURSUING AS 

THE COUNTRY’S FINANCIAL LANDSCAPE 

FACES THE PROSPECT OF DISRUPTION? 

CHRISTOPHER ATTARD CAUGHT UP WITH 

THE MFSA’S CHIEF STRATEGY OFFICER, 

DR. CHRISTOPHER BUTTIGIEG, TO GET 

THE LOWDOWN ON THIS FRONT. 

马耳他的金融格局面临崩溃的前景 , 

该国金融当局采取了哪些举措 ? 克 

里斯托弗 · 阿塔德 Christopher Attard 

采访了马耳他金融服务管理局 MFSA 

的首席战略官克里斯托弗 · 巴蒂耶 

Christopher Buttigieg 博士 , 以了解 

这方面的举措。 


Q&A 问答 

REGULATION IS OFTEN TOUTED AS A 

NECESSARY EVIL. HOW DOES ONE REGULATE 

WHILE STILL BEING NIMBLE ENOUGH TO KEEP UP 

WITH CUTTING-EDGE INNOVATION? 

Regulation is a tool to safeguard market integrity 

and financial stability and to protect consumers. 

Regulation also provides legal certainty thereby 

ensuring sustainable economic growth. This is 

advantageous both for service providers, given that 

the regulatory environment that they operate in 

remains constant; and for consumers, as regulation 

provides for their protection. Another important 

aspect of regulation is enforcement, given that 

regulatory action acts as a deterrent against future 

wrong-doing. Regulating a constantly evolving 

sector may prove to be challenging: however, as a 

jurisdiction, Malta is taking a proactive approach 

by promulgating legislative instruments which are 

technology-neutral and principles-based. Further 

detail and granularity is then provided within rules 

issued by the MFSA. 

WHILE REGULATION IS JUSTIFIABLY THE MAIN 

FOCUS OF THE MFSA, IS THERE ANY ADDITIONAL 

ROLE THAT INCLUDES ATTRACTING FOREIGN 

DIRECT INVESTMENT INTO THE COUNTRY? 

It is not the role of the MFSA to promote Malta as 

an international financial services centre – this falls 

under Finance Malta, a public private partnership 

set up specifically for this purpose. In this respect, 

the Authority is currently working on a strategy 

document which will detail our plans to enhance 

supervisory engagement. High standards of 

regulation and supervision make a jurisdiction 

attractive for serious operators – in this light it is 

important that Malta continues to raise the bar in 

order to remain a jurisdiction of choice for financial 

services. To this effect, under the VFA framework, 

for example, Malta has imposed requirements 

which go beyond the EU’s Fifth AML Directive. 

监管经常被吹嘘为一种不可避免的罪恶。在保 

持足够灵活以跟上前沿创新的同时 , 如何进行 

监管 ? 

监管是维护市场诚信和金融稳定、保护消费者 

的工具。监管也提供了法律确定性 , 从而确保 

可持续的经济增长。这对服务提供商来说是有 

利的 , 因为它们所处的监管环境是固定的 ; 对 

于消费者而言也是有利的 , 因为监管为他们提 

供了保护。监管的另一个重要方面是执法 , 因 

为监管行动可以作为对未来的错误行为的威 

慑。管理一个不断发展的部门可能非常具有挑 

战性 : 然而 , 作为一个管辖区 , 马耳他正在采 

取积极主动的做法 , 颁布了技术中立和以相关 

原则为基础的立法文书 , 然后又在马耳他金融服 

务管理局 (MFSA) 发布的规则中提供更多细 

节和详情。 

虽然监管理所当然是 MFSA 的主要工作重点 , 

但是否还有其他包括吸引外国直接投资方面的 

作用呢 ? 

促进马耳他成为一个国际金融服务中心并不是 

MFSA 的职责 , 而是马耳他金融 (Finance Malta) 的 

职责 , 一个专门为此目的设立的一个公私合伙 

企业。在这方面 , 管理局目前正在制定一份战 

略文件 , 详细说明我们加强监督参与的计划。 

高标准的管理和监督使得一个管辖区对认真的 

经营者具有吸引力。因此 , 马耳他必须继续提 

高标准 , 以便继续作为金融服务的首选管辖区 

之一。例如为此 , 在 VFA 框架下 , 马耳他提出 

了超出欧盟第五项反洗钱指令的要求。 


www.BitcoinAssociation.net 

ADVANCING 

BUSINESS WITH 

BITCOIN SV 

1. Join the Bitcoin Association and gain access to our 

sponsored events. 

2. Enjoy discounts to the CoinGeek Conference at 

London in February 2020. 

3. Meet the most innovative and creative minds in Bitcoin. 

BE A MEMBER 

PROUD SPONSOR OF THE 

42 | #AIBCsummit Issue 3 

bitcoinassociation.net/membership/

Q&A 问答 

MALTA HAS BEEN PROACTIVE IN EXPANDING ITS REGULATORY 

FRAMEWORK. WHICH SECTORS AND CONCEPTS ARE YOU 

CURRENTLY LOOKING INTO AND WHY? 

As you are aware, the Authority’s main regulatory initiative for 2018 

was the promulgation of the VFA Framework, with the first VFA Agents 

being registered in May this year. The registration of the first VFA 

Agents lead to the MFSA being in a position to start accepting and 

considering applications for VFA Services Licences. It is expected that 

the first VFA service providers are licensed in the coming months. 

Complementary to the VFA regime, the Authority has recently issued 

a Consultation Document on Security Token Offerings. This document 

is the first step of an overarching capital markets strategy and seeks 

stakeholders’ views on a policy which promotes innovation and the 

use of technology in the financial services sector whilst safeguarding 

investors, financial integrity and stability. Furthermore, the MFSA is also 

working on the implementation of its FinTech Strategy. Pillar 1 thereof, 

which has been issued for consultation last month, focuses on how the 

Authority is seeking to adopt regulatory and supervisory initiatives to 

support innovation and improve regulatory efficiency. In light of both 

consultation documents, readers can expect regulatory developments 

to take place in the coming months. 

As stated in Vision 2021, the Authority aims to pre-empt poor conduct 

to minimise wrong-doing. In this regard, going forward, the Authority 

shall be working to improve the quality of licensed entities’ boards 

and raise the bar for Corporate Service providers. 

“ Malta is taking a proactive 

approach by promulgating 

legislative instruments which 

are technology-neutral and 

principles-based ” 

A HARMONISED EUROPEAN TAX SYSTEM WOULD ARGUABLY HAVE 

A DEVASTATING EFFECT ON MALTA’S COMPETITIVE ADVANTAGE. 

WHAT’S YOUR POSITION ON THIS? 

Whilst taxation per se does not fall within the Authority’s remit, one 

may safely state that Malta’s competitiveness is not solely dependent 

on its corporate tax system – there are other factors which make Malta 

an attractive jurisdiction for financial services operators, such as the 

fact that instruments promulgating regulatory frameworks are drafted 

in the English language, as well as the current push to raise standards 

with regard to financial supervision, particularly in the field of AML/CFT. 

马耳他一直在积极扩大其监管框架。你们目前正在调查哪些行业和理念 ? 

为什么 ? 

如您所知 , 管理局 2018 年的主要监管举措是颁布了 VFA 框架 , 第一批 VFA 

代理商已于今年 5 月注册。第一批 VFA 代理商的注册 , 使 MFSA 能够开始接 

受并考虑 VFA 服务牌照的申请。预计第一批 VFA 服务提供商将在未来几个月 

内获得许可。 

“ 马耳他正在采取积极主动的 

做法 , 颁布了技术中立和以相 

关原则为基础的立法文书 ” 

作为对 VFA 制度的补充 , 管理局最近发布了一份关于证券代币发行的咨询 

文件 , 这个文件是全面资本市场战略的第一步 , 另外 , 还寻求利益相关者的 

意见 , 包括对促进金融服务领域创新和技术使用的政策的看法 , 以及对保 

护投资者、金融稳健性和稳定性的意见。此外 ,MFSA 还在努力实施其金 

融科技 (FinTech) 战略。上个月已经发布以供咨询的 Pillar 1 侧重于管理局 

如何寻求采取管理和监督举措来支持创新 , 并提高监管效率。根据这两份 

咨询文件 , 读者们可以预见相关监管工作的开展将于未来几个月内进行。 

如《2021 年愿景》中所述 , 管理局旨在预防不当的举措 , 以尽量减少错误 

行为。在这方面 , 管理局未来将努力提高许可实体董事会的质量 , 并提高 

企业服务提供商的标准。 

统一的欧洲税收制度可能会对马耳他的竞争优势产生破坏性影响 , 您对此 

有何看法 ? 

虽然税收本身不属于管理局的职权范围 , 但可以负责任地说 , 马耳他的竞争 

力不仅仅依赖于其企业税收制度 , 还有其他因素使得马耳他成为一个对金融 

服务运营商具有吸引力的管辖区。例如颁布以英文起草的监管框架 , 以及目 

前努力提高金融监管标准 , 特别是在反洗钱 / 打击恐怖融资领域。 


THE ECB IS SET TO RESTART THE CASH PRINTING PRESS FOR 

YET ANOTHER MONETARY STIMULUS. MEANWHILE, BITCOIN’S 

FIXED SUPPLY BECOMES EVER-MORE INTERESTING FOR PEOPLE 

DISILLUSIONED BY TODAY’S DEVALUED FIAT CURRENCIES. WHAT 

ARE YOUR THOUGHTS ON THIS? 

Whilst we are aware that the popularity of crypto assets is increasing 

– and this is one of the reasons behind last year’s regulatory initiative 

- it is still too early to predict whether such assets will pose a tangible 

challenge to fiat currencies. 

THE 2008 FINANCIAL CRASH WAS OVER A DECADE AGO, 

SUGGESTING THE POSSIBILITY OF ANOTHER DOWNTURN. HOW 

IS MALTA POSITIONED WITH REGARDS TO ANOTHER POSSIBLE 

CRASH IN THE GLOBAL ECONOMY? 

The MFSA forms part of a Joint Financial Stability Board established by 

the Central Bank of Malta Act. This Board is tasked with ensuring effective 

cooperation between the Central Bank of Malta and the MFSA in the 

area of financial stability, including macro-prudential policy and, where 

relevant, micro-prudential instruments. It is also responsible for: [i] the 

formulation of policies to safeguard the stability of the financial system, [ii] 

to identify and assess macro-prudential instruments and where relevant, 

micro-prudential instruments required to be implemented to mitigate 

and control potential systemic and other risks to the financial system; 

and [iii] to give advice about whether and how an authority or public 

institution should act in respect of a credit or financial institution, where 

the issue appears to the JFSB to be relevant to the stability of the financial 

system. Recently, the CBM, in collaboration with the MFSA, following a 

recommendation by the JFSB issued borrower-based measures with the 

aim of strengthening the resilience of lenders and borrowers against the 

potential build-up of vulnerabilities stemming from the real estate market. 

THE MFSA ISSUED A CONSULTATION PAPER ON STOS EARLIER 

THIS YEAR. WHAT ARE THE ULTIMATE GOALS HERE AND BY WHAT 

MEANS WILL THE MFSA MAKE THEM A REALITY? 

As stated above, the STO Consultation seeks stakeholders’ views 

on a proposed policy for STOs which promotes the use of innovative 

technology whilst at the same time safeguarding investors and the 

stability and integrity of financial markets. By virtue of this policy we 

are once again striving to be at the forefront of financial services 

regulation. That being stated, the STO policy is just one part of an 

overarching strategy to take our capital markets to the next level. 

“ It is still too early to 

predict whether such 

assets will pose a tangible 

challenge to fiat currencies ” 

FINANCIAL CRIME AND CYBERSECURITY GO HAND-IN-HAND. 

WHICH INSTITUTIONS ARE MOST VULNERABLE AND HOW DO YOUR 

EFFORTS AMPLIFY CONSUMER PROTECTION? 

It is the Authority’s primary aim to safeguard the integrity and 

soundness of Malta’s financial services sector, as well as to protect 

consumers of such services. Given that literally any entity may be used 

for illicit purposes, it is not possible to pinpoint a category or class of 

entities which is more susceptible to financial crime than others. This 

year, the Authority has published its AML and CFT Strategy which sets 

out how AML and CFT supervision has been fused into the conduct 

and prudential supervisory framework, and how the Authority intends 

to enhance its AML and CFT supervision. In this light, the Authority 

has recently set up a Financial Crime Compliance Function within the 

Supervision Directorate and has also engaged an international team of 

experts to boost resources and expertise in the area. With respect to 

cyber security, the MFSA is in the process of setting up a Supervisory 

ICT Risk and Cyber Security Function which will be housed within the 

Supervision Directorate. Furthermore, the Authority has, this year, 

published Guidance Notes to this effect. These changes and more 

will, in the end, lead to higher standards of regulation and supervision, 

which are fundamental to continue strengthening Malta’s position as a 

jurisdiction of choice for financial services. 


Q&A 问答 

欧洲央行准备重启印钞机 , 推出又一项货币刺 

激措施。与此同时 , 对当前贬值的法定货币感 

到失望的人们 , 对比特币的固定供应更加感兴 

趣。您对此有何看法 ? 

虽然我们知道加密资产的普及程度正在增加 , 

这也是去年监管倡议背后的原因之一 , 但是现 

在就判断这些资产是否会对法定货币构成切实 

挑战还为时尚早。 

2008 年的金融危机已经过去了十多年 , 有迹象 

表明可能会再次出现经济衰退。马耳他如何应 

对全球经济可能出现的又一次崩溃 ? 

MFSA 是由《马耳他中央银行法案》设立的联 

合金融稳定委员会的一部分。该委员会的任务 

是确保马耳他中央银行与 MFSA 在金融稳定领 

域开展有效合作 , 包括宏观审慎政策和相关的 

微观审慎工具。它还负责 :[i] 制定相关政策来 

保障金融体系稳定性 ,[ii] 鉴别和评估宏观审 

慎工具 , 并在适当情况下 , 实施微观审慎工具 

以减轻和控制金融系统潜在的系统性风险和其 

他风险 ;[iii] 当 JFSB 认为问题与金融体系的稳 

定性有关时 , 就当局或公共机构是否可以以及 

如何就信贷或金融机构采取行动提供建议。最 

近 ,CBM 与 MFSA 合作 , 遵循 JFSB 的建议 , 发布 

了基于借款方的措施 , 旨在加强贷款方和借款 

方抵御房地产市场潜在的脆弱性累积的能力。 

金融犯罪和网络安全息息相关。哪些机构最容 

易受到这方面的影响 ? 你们如何加强对消费者 

的保护 ? 

管理局的主要目标是维护马耳他金融服务部门 

的完整性和稳健性 , 并保护这些服务的消费 

者。实际上任何实体都可能被用于非法目的 , 

因此不可能确定哪一类实体比其他实体更容易 

受到金融犯罪的影响。今年 , 管理局公布了反 

洗钱和打击恐怖融资战略 , 阐述了反洗钱和打 

击恐怖融资监管是如何融入具体实施和审慎监 

管框架的 , 以及管理局打算如何加强对反洗钱 

和打击恐怖融资的监管。鉴于此 , 管理局最近 

在监督理事会内设立了金融犯罪监察职能部 

门 , 并聘请了一个国际专家小组来增加这方面 

的资源和专业知识。在网络安全方面 ,MFSA 

正在着手设立信息和通讯技术风险监察及网络 

安全职能部门 , 该职能部门也将设立在监督理 

事会内。此外 , 管理局今年已就此发布了指导 

说明。这些变化以及其他更多变化最终将促成 

更高的管理和监督标准 , 这对于继续巩固马耳 

他作为金融服务首选管辖区之一的地位至关 

重要。 

“ 现在就判断这些资产 

是否会对法定货币构成 

切实挑战还为时尚早 ” 

MFSA 今年早些时候发布了一份关于 STOs 的咨 

询文件 , 这份文件的最终目标是什么 ?MFSA 将 

以何种方式实现这一目标 ? 

如上所述 ,STO 咨询在寻求利益相关方对 STO 拟 

议政策的意见 , 这些政策促进了创新技术的使 

用 , 同时保护了投资者以及金融市场的稳定性 

和完整性。凭借这一政策 , 我们再次努力走在 

金融服务监管的最前沿。话虽如此 ,STO 政策 

只是将我们的资本市场提升到一个新水平的总 

体战略的一部分。 



SAVE THE DATES

CATAGORY 

TOP 

SPEAKERS 

AKON 

CHAIRMAN & CO-FOUNDER - 

AKOIN 

IAN BALINA 

BLOCKCHAIN INVESTOR & EVANGELIST 

VIRGIL GRIFFITH 

SPECIAL PROJECTS - 

ETHEREUM FOUNDATION 

BOBBY LEE 

CRYPTO ENTREPRENEUR 

ANTHONY POMPLIANO 

CO FOUNDER & PARTNER - 

MORGAN CREEK DIGITAL 

YORICK WILKS 

PROFESSOR OF ARTIFICIAL INTELLIGENCE DEPARTMENT 

OF COMPUTER SCIENCE UNIVERSITY OF SHEFFIELD 

AIBCSUMMIT.COM 




EMPOWERING THE 

FUTURE OF FINANCE 

助力金融的未来 

STORIES OF THE ILLEGAL USE OF 

CRYPTOCURRENCIES OFTEN DOMINATE 

HEADLINES AND INFLUENCE THE MAINSTREAM 

NARRATIVE. FEDERICA TACCOGNA, MANAGING 

DIRECTOR AT FTI CONSULTING AND STRATEGIC 

ADVISOR TO THE MFSA WRITES ABOUT HOW 

COMPLIANCE CAN BE ONE OF THE KEY 

ENABLERS TO CHANGE PERSPECTIVE. 

非法使用加密货币的报道 

往往占据新闻头条 , 影响 

主流观点。FTI 咨询公司董 

事总经理兼 MFSA 战略顾问 

Federica Taccogna 撰文 , 

分析合规如何成为改变人们 

观点的关键推手。 

Cryptocurrencies and the ecosystem surrounding them 

are as vulnerable to the threats of financial crime - 

money laundering, terrorist financing, fraud, scams, and 

hacking attacks –as traditional financial instruments and market 

participants are. 

Crypto ATMs can be exploited by money mules just as traditional 

ATMs can; and crypto-to-crypto exchanges are increasingly used 

by criminals who layer the proceeds of crime through a number of 

them and then acquire (often extremely expensive) goods from 

vendors that accept cryptocurrencies. 

Bitcoin has become the primary means of payment for the 

infrastructure used to support espionage and state-driven hacking. 

The WannaCry ransomware attack requested that the ransom be 

paid using Bitcoins. Behind it was the North Korean Lazarus group, 

also responsible for the theft of USD 81 million from Bangladesh 

Bank; the hacking of Sony Pictures Entertainment and numerous 

other intrusions on the defence, financial services, technology, and 

virtual currency industries. 

加密货币及其生态系统很容易遭受金融犯罪 

的威胁 , 如洗钱、恐怖主义融资、欺诈、诈 

骗和黑客攻击 , 但传统的金融工具和市场参 

与者也并非无懈可击。 

与传统的 ATM 一样 , 加密货币 ATM 也可以被 

钱骡利用 ; 犯罪分子越来越多地使用加密货 

币交易所 , 通过多个交易所将犯罪所得层层 

转换为加密货币 , 然后在接受加密货币的供 

应商那里购买 ( 往往极其昂贵的 ) 商品。 

比特币已成为恶意基础设施的主要支付方 

式 , 用于支持间谍活动和政府主导的黑客攻 

击。WannaCry 勒索软件攻击要求使用比特币 

支付赎金。其幕后黑手是朝鲜 Lazarus 集团 , 

他们曾从孟加拉国银行窃取 8100 万美元 , 在 

对索尼影视娱乐的黑客攻击以及对国防、金 

融服务、技术和虚拟货币行业的众多其他入 

侵中 , 都有他们的身影。 


“ The advent of 

change is hardly ever 

met with full trust 

by the majority ” 

Recently, Al-Qassam Brigades, 

a wing of Hamas, launched a 

fundraising campaign in Bitcoin 

and the Russian hacking group 

Fancy Bear was found to have 

stored illicit funds in a wallet in the 

cryptocurrency exchange BTC-e 

(also a popular destination for funds 

belonging to a long list of Russian 

criminals and cyber-criminals). 

Cryptocurrencies can be used to 

circumvent economic sanctions. 

Some states have already made 

an attempt at creating their very 

own, state-backed cryptocurrency 

(Venezuela’s Pedro) and with 

Russia and Iran reportedly working 

on similar endeavours, it is easy to 

see why there is growing concern. 

OFAC has also started to include 

cryptocurrency addresses on its 

sanctions list. 

These are symptoms of the fact 

that cryptocurrencies are a 

reality, a presence in the financial 

ecosystems that criminals are 

already exploiting. 

The very aspects of 

cryptocurrencies that make them 

attractive from a commercial point 

of view – such as pseudonymity 

and ease of transfer - make them 

valuable tools for those looking to 

hide the proceeds of crime in the 

mainstream system, fund illicit 

activities and distance themselves 

from criminal activity. Some, such 

as privacy coins, are designed to 

offer the very quality that money 

launderers seek. 

Some have observed that the 

scale of illicit activity relating 

to cryptoassets is relatively low 

when compared to volumes in the 

traditional financial sector. Whilst 

this is true, it is also very likely to 

be due to the relatively marginal 

role played by cryptoassets in the 

bigger financial services context. It 

is not implausible to conclude that 

as the role of cryptoassets grows, 

so will the desire and the ability for 

criminals to exploit them. 

In the mainstream narrative, this 

aspect – the ‘dangerous nature’ of 

cryptocurrencies – often receives 

more attention than the potential 

of the technology. The advent of 

change is hardly ever met with 

full trust by the majority. Even 

more so when change comes 

by way of disruptive technology 

that challenges the rules with 

decentralisation, pseudonymity, 

and immutability. 

However, crypto businesses might 

have an advantage. One of the 

main reasons why the traditional 

financial services has ‘allowed’ so 

much financial crime to happen 

has been the failure, on the 

part of markets participants, to 

understand how their business 

models and operations might 

be exploited for financial crime. 

Compliance and control happened 

as an afterthought. 

Businesses in the crypto space 

can use lessons learnt from the 

traditional financial services and 

build AML and financial crime 

compliance and protection within 

their models, from inception. 

Being associated, even 

involuntarily, with criminal activity, 

may have catastrophic criminal 

and reputational consequences for 

a crypto business. Moreover, with 

the tightening of regulation, crypto 

businesses now also face a higher 

risk of regulatory action. 



It is clear that safely operating in the crypto 

space means, first of all, understanding 

vulnerabilities and assessing the risk 

inherent in an endeavour or business model. 

The risks faced by crypto exchanges are 

not the same faced by those facilitating the 

sale of tokens for an ICO, or by decentralised 

exchanges, or crypto ATMs. 

Building defences against financial crime 

then, means that firms (of any size and 

type), operating in this space, must 

understand where the funds behind the 

transactions they facilitate originate 

from and ultimately, move to. In the 

fiat world, this process of knowing your 

customer (KYC) and performing customer 

due diligence (CDD) is relatively easier 

(in theory at least, because failures, in 

practice, have allowed incredible amounts 

of illicit funds to flow through the system). 

With cryptoassets, users can route funds 

through pseudonymous cryptocurrency 

addresses that are not readily attributable 

to realworld identities. Only the use of 

specifically designed technology that can 

help identify these ‘paths’ and make KYC/ 

CDD in the crypto space are truly effective. 

Finally, crypto businesses must monitor 

transactions to detect indicators of financial 

crime and trace flows of illicit funds. Once 

again, a concept identical to that applied 

to the fiat world. With the difference that 

a transaction in cryptoassets is different 

from one in fiat. Traditional methods on 

transactional analysis will not work, unless 

they are built upon and integrated with 

chain analysis. 

To achieve control of and protection against 

financial crime in the crypto ecosystem, 

it is important that all participants – from 

regulators to established businesses, 

through to new entrants – are aware of 

the risks and come together to share 

information, shape regulation and controls 

and protect the industry from the risks 

without slowing down or constraining 

innovation but, rather, enhancing it. 

最近 , 哈马斯麾下的 Al-Qassam 

Brigades 发起了比特币筹款活动 , 俄罗 

斯黑客组织 Fancy Bear 被发现将非法资 

金存入加密货币交易所 BTC-e( 这也是众 

多俄罗斯线下和网络犯罪分子所钟爱的 

资金藏匿地 )。 

加密货币可以用来规避经济制裁。一些 

国家已尝试创造自己的由国家支持的 

加密货币 ( 委内瑞拉的 Pedro)。据报 

道 , 俄罗斯和伊朗也在进行类似的工 

作 , 所以很容易理解为什么担忧越来越 

多。OFAC( 美国财政部海外资产控制办 

公室 ) 还开始将加密货币地址纳入其制 

裁名单。 

这些都是加密货币存在于金融生态系统 

中并被犯罪分子利用的明证。 

从商业角度来看 , 加密货币极具吸引 

力 , 如匿名和便捷转账。因此 , 它们成 

为了那些希望向主流系统隐藏犯罪收 

益、资助非法活动以及与犯罪分子保持 

“ 变革的出现 

往往难以得 

到多数人的 

完全信任 ” 

距离的人员的宝 

贵工具。一些货 

币 , 如隐私币 , 

正是为洗钱者而 

设计的。 

有些人认为 , 与 

传统金融部门相 

比 , 与加密货币 

资产相关的非法活动规模相对较低。这 

是不争的事实 , 但更多是因为加密货币 

资产在庞大的金融服务环境中影响力还 

不够大。我们有理由相信 : 随着加密货 

币资产的影响越来越大 , 犯罪分子利用 

它们的欲望和能力也会随之增强。 

在主流媒体看来 , 加密货币的 “ 危险 

性 ” 往往能比其技术潜力获得更多的关 

注。变革的出现往往难以得到多数人的 

完全信任。通过分散化、匿名化和不可 

变性来挑战现有规则的颠覆性技术所带 

来的变革更是如此。 

但加密货币企业也有优势。传统金融服 

务 “ 容忍 ” 这么多金融犯罪的主要原因 

之一在于市场参与者不知道他们的商业 

模式和运营会被怎样用于金融犯罪。合 

规与管控是出现问题后才想到的对策。 

加密货币领域的企业可以从一开始就吸 

取传统金融服务中的经验教训 , 在其模 

型中建立反洗钱以及金融犯罪合规和保 

护制度。 

与犯罪活动相关联 , 即使是非自愿的 , 

也会对加密货币企业造成灾难性的犯罪 

和声誉后果。此外 , 随着监管的加强 , 

加密货币企业现在也面临更高的监管行 

动风险。 

很明显 , 要想在加密货币领域安全运 

营 , 首先就要了解漏洞并评估事务或商 

业模式中固有的风险。加密货币交易所 

面临的风险与推动 ICO 代币销售的交易所 

或分散化交易所或加密货币 ATM 的风险 

并不相同。 

因此 , 要想防范金融犯罪 , 这个领域中 

的公司 ( 不论规模和类型 ) 都必须了解 

其促成的交易背后的资金初始来源和最 

终去向。在法定货币的世界中 , 了解客 

户 (KYC) 和执行客户尽职调查 (CDD) 

的流程相对简单 ( 至少理论上讲很简 

单 , 因为实践中的漏洞已使大量非法资 

金流入系统 )。在加密货币资产的世界 

里 , 用户可以通过不归属于真实世界身 

份的匿名加密货币地址来传送资金。只 

有使用专门设计的技术才能真正有效地 

识别这些 “ 路径 ” 并在加密货币领域实 

现 KYC/CDD。 

最后 , 加密货币企业必须监控交易 , 以 

检测金融犯罪迹象和追踪非法资金流 

动。而这个概念与适用于法定货币世界 

的概念是相通的。区别在于加密货币资 

产中的交易与法定货币的交易不同。传 

统的交易分析方法不起作用 , 除非它们 

在构建在连锁分析方法并与之集成。 

为了在加密货币生态系统中管控金融犯 

罪并保护用户 , 所有参与者 —— 从监管 

机构到成熟企业 , 再到新进入者 —— 都 

要意识到风险、共同分享信息、塑造监 

管、保护行业、抵御风险 , 不要减缓或 

限制创新 , 而要大力加强创新。 


BREAKING 

WITH TRADITION 

打破传统 

IVAN GOWAN, CEO AT CURRENCY.COM GIVES 

AN OVERVIEW OF HOW CURRENCY.COM 

IS ESTABLISHING AND HELPING TO DRIVE 

INNOVATION AS IT BRIDGES TRADITIONAL 

FINANCE AND BLOCKCHAIN THROUGH A 

REGULATED TOKENISED SECURITIES PLATFORM. 

Currency.com 的首席执行官 Ivan 

Gowan 概述了在传统金融向区块 

链的过渡过程中 ,currency.com 

如何通过受监管的代币证券平台 

建立并推动创新。 

WHAT ARE YOU BRINGING THAT’S DIFFERENT TO EXISTING 

CRYPTO EXCHANGES/TOKENISED SECURITIES EXCHANGES? 

There has been a strange trend of crypto exchanges only really 

offering a web-based trading platform. We put a huge amount of 

effort into our mobile app and we get really positive feedback - it’s 

really highly rated in the App Store and Goolge Play Store. We’re 

really proud of the mobile app experience that we brought to 

trading community and I think we’re bringing the best in what’s 

being developed in mobile trading from more traditional trading 

markets to crypto traders. I think that’s really powerful. There are 

some great risk management tools, analytics, and insights that 

can be gained from the mobile app – from your pocket. 

CURRENTLY, THE PLATFORM ENABLES TRADING WITH 

BITCOIN AND ETHEREUM. DO YOU PLAN TO ADD MORE 

CRYPTOCURRENCIES AND WHICH ONES? 

Yes, we’re always working on that, we get a lot of demand in our 

community for adding more and there’s obviously a fair bit of 

work involved in integrating with the different blockchains. We 

launched support for LiteCoin recently and we’ll be looking to add 

additional tokens to our ERC20 compatible integration. We’ve got 

Ripple quite high up in our pipeline, whilst Bitcoin Cash is coming 

soon. That list will be extending over time but I don’t think we’ll 

ever go as far as a company like Binance, with 2000 alt coins, 

some of which may or may not be around in 6 months. 

CURRENCY.COM IS LICENSED IN ACCORDANCE WITH THE 

DECREE № 8 “ON DEVELOPMENT OF DIGITAL ECONOMY” IN 

BELARUS. WHAT ELSE DOES BELARUS HAVE UP ITS SLEEVES 

WHEN IT COMES TO THE BLOCKCHAIN TECHNOLOGY SPACE? 

It’s really interesting how this has evolved and developed. We’ve 

worked very closely with different jurisdictions that are trying 

to be interesting and at the forefront of regulation in this space. 

Gibraltar and Malta have been doing some interesting stuff, I 

think Gibraltar is respected, somewhere that’s looked at this 

whole space for a long time. 

Minsk has established new legislation that has leapfrogged 

what was being done in Gibraltar. Gibraltar was the first to start 

looking at the ICO market and at cryptocurrencies when there 

wasn’t much classification, when there wasn’t much scrutiny or 

messaging coming out of the US about security tokens. Belarus 

came slightly later but because of that had a broader awareness 

of where things were going to head with security tokens. 


Q&A 问答 

您的平台与现有加密货币交易平台 / 代币证券交易平台有什 

么不同之处吗 ? 

关于加密货币交易平台 , 一直有一种怪异的趋势 , 就是只 

开发基于网页端的交易平台。我们在移动应用程序上投入 

了大量精力 , 也得到了一些非常积极的反馈 : 该应用在 App 

Store 和 Goolge Play 上的评分都很高。能给交易社区带来 

移动应用程序体验 , 我们感到非常自豪。从更传统的交易 

市场到加密交易工具的移动端开发成果中 , 我认为我们做 

到了最好。这个平台功能非常强大 , 只需从口袋中掏出手 

机 , 打开应用 , 你就可以获得一些强大的风险管理工具 , 

以及分析和见解。 

目前 , 该平台支持比特币和以太坊交易 , 您是否计划以后 

添加更多加密货币种类呢 ? 如果要添加 , 您打算添加哪些 ? 

有这个计划 , 而且我们一直都在为之努力。在社区中 , 我 

们也听到了很多关于添加更多加密货币种类的呼声 , 但显 

然 , 要集成不同的区块链货币 , 还需要做很多工作。我们 

最近新增了莱特币 , 以后还会添加更多的代币种类到我们 

的符合 ERC20 标准的兼容集成系统中。瑞波币在我们的计 

划前列 , 很快也会增加比特币现金。随着时间的推移 , 我 

们的计划表也会不断扩展 , 但我认为我们不会像币安公司 

(Binance) 那样支持 2000 种代币 , 毕竟其中有些代币半年 

以后是否还存在都说不准。 

Currency.com 是根据白俄罗斯第 8 号法令 ——《关于发展数 

字经济》获得许可的 , 那在区块链技术领域 , 白俄罗斯还 

有什么其他妙计吗 ? 

区块链在白俄罗斯的引入和发展过程真的很有意思。我们和 

各管辖区域的合作非常密切 , 这些管辖区域在试图引起人 

们的关注的同时 , 也希望处于这个领域的监管前沿。直布 

罗陀和马耳他一直以来都在做一些有趣的工作 , 我认为直 

布罗陀是值得尊敬的 , 它长期以来一直在关注这整个领域。 

明斯克制定了新的法律 , 直接超越了直布罗陀在这一领域 

所做的工作。在区块链种类还不是很多的时候 , 在美国还 

没有很多关于证券型代币的审查或消息的时候 , 直布罗陀 

是第一个开始关注 ICO 市场和加密货币的地区。白俄罗斯引 

入区块链的时间要稍晚一些 , 但正因为如此 , 白俄罗斯对关 

于证券型代币可以应用在哪些领域的认识要更加广泛一些。 


FLEXIBLE OFFICE SOLUTIONS FOR TODAY’S 

INNOVATIVE DOERS AND THINKERS. 

AN IDEAL BUSINESS 

ENVIRONMENT TO IMPROVE 

EFFICIENCY, 

PRODUCTIVITY, 

AND EMPLOYEE 

WELL-BEING 

SOHO locations: 

St Julians, 

Savoy Gardens, 

The Strand 


Join Malta’s largest coworking network: 

+356 9933 4333 

info@sohomalta.com 

sohomalta.com

Q&A 问答 

There has been a lot of work done to 

encourage IT innovation to move from 

being a place that has the reputation of 

having good software engineering talent 

for outsourcing, to trying to develop itself 

more as a place where product companies 

are setting up and attracting more foreign 

investment. So for us it’s important to 

be regulated, it’s important to have that 

legitimacy and protection. But we’re very 

aware we want to be regulated in more 

jurisdictions, as those jurisdictions develop 

legislation that will govern what we’re 

offering our customers. 

WHAT WERE THE BIGGEST CHALLENGES 

YOU ENCOUNTERED AS YOU LAUNCHED? 

I think there are the usual challenges 

of getting banking relationships, which 

is always hard in the crypto space. But 

then I think it’s really important not to 

underestimate how much effort is involved 

in building a highly scalable exchange and 

integrating with a broad range of traditional 

markets and that’s something we’ve got 

deep expertise in. We run the capital. 

com business which has been running 

“ We’ve worked very closely with 

different jurisdictions that are trying 

to be interesting and at the forefront 

of regulation in this space ” 

for 3 years and some of that technology 

underpins currency.com’s technology. The 

level of effort we’ve gone to, to create a very 

engaging customer experience that looks 

great and provides reliable execution has 

been very challenging. 

WHAT TRENDS DO YOU THINK ARE IN LINE 

TO DISRUPT THE MARKET OVER THE NEXT 

COUPLE OF YEARS? 

We believe the next waves of innovation in 

the financial and fintech space is going to 

be in tokenising markets. The difference 

in size of the crypto market and financial 

securities market is absolutely enormous. If 

you look at the traditional securities market 

of the big investment banks and the big 

government issued bonds and derivatives of 

those, you’re talking about a market that’s 

measured in the hundreds of trillions. We 

see this as an opportunity for us to establish 

and help drive innovation in this crossover 

between traditional finance and blockchain. 

I think we will also see a broader adoption 

of cryptocurrencies and I think we will 

see regulators in the big financial sectors 

provide a lot more clarity. You’re going to see 

a massive shift in investment. It’s a space 

that’s going to innovate over the next two 

years and that is going to be facilitated by 

increased clarity of regulation. I think that’s 

a good thing – we’ve seen some really bad 

examples of exchanges being set up and 

private keys that are holding huge amounts 

of Bitcoin disappearing – and we’ve got to 

put a stop to that. 

白俄罗斯在鼓励 IT 领域创新方面做了很多努 

力 , 旨在让 IT 领域从一个专注外包的拥有优秀 

软件工程人才的领域 , 努力发展成一个构建大 

量产品公司并吸引更多外国投资的领域。因 

此 , 对我们来说 , 受监管很重要 , 拥有这类合 

法性和保护很重要。我们清楚的知道我们需要 

受到更多司法管辖区的监管 , 因为这些司法管 

辖区会制定相关法律 , 让我们为客户提供的服 

务有法可依。 

在推出该平台的过程中 , 您遇到的最大的挑战 

是什么 ? 

最常见的挑战应该就是和银行建立业务关系 , 

这在加密领域一直都是个难题。但我觉得 , 建 

立一个高度可扩展的交易平台以及集成众多的 

传统市场 , 也需要付出很大的努力 , 而这已经 

是我们非常擅长的领域了。我们的 capital.com 

已经运营 3 年了 ,capital.com 的一些技术也能 

支撑 currency.com 的技术。我们付出巨大的努 

力 , 为客户创造一种非常具有吸引力的客户体 

验 , 让客户觉得很棒且操作可靠 , 这是非常具 

有挑战性的。 

您认为在未来几年有可能阻碍该市场的趋势是 

什么 ? 

“ 我们和各管辖区域的合作非常密切 , 这 

些管辖区域在试图引起人们的关注的同 

时 , 也希望处于这个领域的监管前沿 ” 

我们认为金融和金融科技领域的下一波创新浪 

潮会出现在代币市场中。加密货币市场和金融 

证券市场之间的规模差异肯定很大。如果你说 

的是大型投资银行的传统证券市场 , 以及政府 

发行的大型债券及其衍生物 , 那你所谈论的就 

是一个以数百万亿为单位的市场。我们把这看 

作是一个机会 , 一个在传统金融向区块链转型 

临界点建设并推动创新的机会。 

我认为加密货币会得到更加广泛的应用 , 且对 

大型金融部门的监管也会更加透明。你会看到 

投资领域发生巨大转变。在未来两年 , 该领域 

会发生变革 , 逐步增加的监管透明性也会推动 

该领域的发展 , 我认为这是一件好事。我们已 

经看到一些糟糕的交易所成立 , 以及控制大量 

比特币的私钥消失的实例 , 我们必须制止这些 

情况的发生。 



“ We believe the next 

waves of innovation 

in the financial 

and fintech space 

is going to be in 

tokenising markets ”

Q&A 问答 

I think the trend will be towards more decentralisation. The tech behind 

blockchain which is powering the exchanges is going to advance 

further to the point where people can trade on the exchange without 

having their assets stored on the exchange. That’s something we’re 

really interested in. 

WHAT’S THE NEXT STEP FOR THE CURRENCY.COM PLATFORM, WHAT 

NEW SOLUTIONS CAN WE EXPECT IN THE COMING YEAR? 

The contract between currency.com and the customer is that we’re 

guaranteeing to buy that token back at the future price that it’s trading 

at whenever they want to sell it. 

What we’re looking at now is how we can white list client’s wallets to 

allow for direct transfers where we know both parties involved in the 

transfer – that’s a work in progress at the moment. 

We’re also always increasing our range of market, we’ve launched 

government bonds on the blockchain, we’re going to increase the 

number of crypto we offer and trading on charts is coming next 

month. We’ve got a big development team, big investment in our tech 

platform – we look forward to bringing the features our customers are 

demanding to market. 

WITH CURRENCY.COM YOU’RE BRINGING CRYPTO INTO 

TRADITIONAL FINANCIAL MARKETS, ARE THE DAYS OF 

TRADITIONAL BANKS NUMBERED OR DO THEY STILL HAVE A PART 

TO PLAY? 

We’re seeing fintech challenge the banks in many traditional areas 

and new regulations are opening up the banks to more competition. 

There is an exciting opportunity that blockchain technology brings 

to drive another wave of innovation that will put some areas of banks 

under pressure to change or be challenged by new entrants. Putting 

traditional markets on the blockchain is a great first step towards 

tighter integration and wider adoption. I think there will always be a 

market for investing in capital markets through banks - ensuring capital 

is deployed effectively to companies that are innovating and that’s a 

really powerful part of capital markets. There’s a really important role 

to be played for capital markets to drive innovation and help people 

looking to build for the future to do that successfully. 

Part of our role is to try and broaden access to those markets and by 

tokenising traditional markets we are allowing people to buy smaller 

quantities of an asset – through us you can buy a tenth of a share 

and that lowers the barriers to entry. I think we are democratising the 

markets in that regard and I think blockchain can do that in lots of areas 

of investment, whether that’s giving access to bonds or giving access 

to less liquid markets like property or fine art – these are all areas of 

innovation that are coming to blockchain and a really interesting part of 

what are the early days of blockchain moving into traditional finance. 

我认为趋势是更多的权力下放。为交易平台提供驱动力的区块 

链背后的技术将进一步发展 , 实现人们可以在交易平台进行交 

易而不必将资产存储在交易平台。这也是我们非常感兴趣的一 

个方面。 

currency.com 平台的下一步计划是什么 , 在未来几年会新增哪 

些解决方案 ? 

currency.com 和客户之间有一个约定 , 那就是无论什么时候客 

户想出售代币 , 我们都保证以期货价格回购那些代币。 

我们现在考虑的是如何将客户的钱包列入白名单 , 以便让他们 

之间可以直接转账 , 且我们知道转账双方是谁 , 这个是目前正 

在进行的一项工作。 

另外 , 我们一直在扩大市场范围 , 我们已经在区块链平台上推 

出了政府债券 , 将来还会增加加密货币种类 , 下个月会推出图 

表交易。我们拥有庞大的开发团队 , 技术平台也赢得了大量投 

资 , 我们期待将客户想要的功能推向市场。 

“ 我们认为金融和金融科技 

领域的下一波创新浪潮会 

出现在代币市场中 ” 

通过 currency.com, 你们将加密货币带入了传统金融市场 , 那 

传统银行是寿数将近还是会继续发挥作用呢 ? 

金融科技在许多传统领域都对银行构成了挑战 , 新的法规也使 

得银行面临更多的竞争。区块链技术带来了一个令人振奋的机 

遇 , 可以推动下一波创新 , 使得一些银行领域面临变革的压 

力 , 或受到新进入者挑战的压力。将传统市场纳入该区块链平 

台是实现更紧密集成和更广泛采用的首要步骤。我认为 , 总会 

有一个通过银行投资资本市场的市场 , 确保资本有效地部署到 

正在创新的公司 , 这也正是资本市场真正强大有效的一部分。 

在推动创新以及帮助那些希望建设未来的人们成功创新方面 , 

资本市场还是会发挥重要作用。 

我们的部分职责是尝试扩大这些市场的准入渠道 , 通过将传统 

市场代币化 , 允许人们只购买少量的资产。通过我们的平台 , 

您可以购买十分之一股 , 这样也就降低了准入门槛。我们正在 

实现这方面的市场民主化。我认为区块链技术可以在许多投资 

领域实现这一目标 , 无论是接入债券还是流动性较低的市场 , 

如房地产或艺术品。这些都是区块链的创新领域 , 也是早期的 

区块链进入传统金融的一个非常有趣的部分。 




relive the 

moments 

重温时刻 

MALTA AI & BLOCKCHAIN AWARDS 

23 MAY 

The second edition of the Malta AI & 

Blockchain Awards honoured individuals 

helping forge the future of this 

emerging industry. 

2019 MALTA AI & BLOCKCHAIN SUMMIT 

23-24 MAY 

From a packed expo floor to high-profile 

speakers, the atmosphere at the 2019 

Malta AI & Blockchain Summit was electric. 

NETWORKING EVENTS 

23-24 MAY 

Premier networking opportunities and 

exclusive wining and dining events 

for VIP guests. 

马耳他人工智能与区块链奖 

5 月 23 日 

第二届马耳他人工智能与区块链 

奖授予了帮助打造这一新兴产业 

之未来的个人。 

2019 马耳他人工智能与区块链峰会 

5 月 23-24 日 

从热闹的世博会会场到高调的演讲 

者 ,2019 马耳他人工智能与区块链 

峰会气氛异常热烈。 

社交活动 

5 月 23-24 日 

为贵宾提供一流的社交机会和 

专属的酒会及宴会活动。 


MALTA AI & BLOCKCHAIN 

AWARDS 

马耳他人工智能与区块链奖 



23 MAY 

5 月 23 日 


2019 MALTA AI & 

BLOCKCHAIN SUMMIT 

2019 马耳他人工智能与区块链峰会 



23-24 MAY 

5 月 23-24 日 

Photographer credit, Petra Maria Poola 


NETWORKING 

EVENTS 

社交活动 



23-24 MAY 

5 月 23-24 日 

Photographer credit, Petra Maria Poola 


LOOKING 

TO THE 

FUTURE 

展望未来 


Q&A 问答 

FUTURE1EXCHANGE IS AN INSTITUTIONAL GRADE 

DIGITAL ASSET EXCHANGE DESIGNED FOR BOTH 

PROFESSIONAL TRADERS AND RETAIL INVESTORS. 

THE PLATFORM, WHICH HAS A MONTHLY 

TRANSACTION OF 5 MILLION, ALLOWS USERS TO 

BUY, SELL, AND STORE DIGITAL ASSETS. THE BLOCK 

SITS DOWN WITH FOUNDER AND CEO, KISHORE M. 

Future1Exchange 是一个机构级别的数字资产 

交易所 , 专为专业交易者和散户投资者设计。 

该平台的月平均交易量达 500 万 , 用户可以通 

过该平台购买、出售和存储数字资产。《区块 

链 Block》杂志采访了 Future1Exchange 的创 

始人兼首席执行官 Kishore M。 

WHAT DIFFERENTIATES YOUR EXCHANGE FROM OTHERS? 

Future1Exchange is licensed and regulated in Estonia, Europe. Most 

exchanges are not licensed, so the regulation and licensing of our 

Exchange will build trust in the market. Unlike other exchanges that take 

huge listing fees – which are anywhere between 5 to 20 BTC, we support 

listing projects by taking a very nominal listing fee, which is mostly in the 

native tokens of the project as proof of our believe in the project. 

We have one of the best security systems and we provide world-class 

service to our users. There are very few crypto exchanges which have 

contact numbers and live chat features. Future1Exchange is bringing 

that level of customer service to the retail investors. We are giving Fort- 

Knox Security, Multi-signature Custody Services, a High-Speed Matching 

Engine, 24/7 transaction monitoring engine, and instant deposits and 

withdrawals. We are also assuring our clients that their digital asset on 

Future1Exchange will be 100% reserved and won’t be used anywhere else. 

We also have an academy to educate our users on blockchain and 

cryptocurrencies. Only companies that are legit and have great potential 

will be listed on our Exchange. 

Future1Exchange will be the go-to-platform for investors and traders looking 

to invest in disruptive technology companies that are going to shape the 

future. We aim to become the world’s leading Cryptocurrecy Exchange and 

platform for buying and trading cryptos, token offering, digital asset portfolio, 

custody, cryptocurrency education and forecasting. 

Our vision and mission is to create the most compelling blockchain and 

cryptocurrency company of the 21st century and to accelerate the world’s 

transition to adoption of blockchain and crypto. 

Through the Future1Exchange Platform, everyone will be able to buy/trade 

cryptocurrencies and start-ups will be able to raise funds for their ideas 

through token offerings and listings. 

你们的交易平台与其他交易平台有什么区别呢 ? 

Future1exchange 在欧洲的爱沙尼亚获得许可 , 并受其监管。 

大多数交易平台都没有获得许可 , 因此 , 我们交易平台获得的 

许可以及受到的监管将有助于提高我们在市场上的可信度。其 

他交易平台会收取巨额上市费 ( 从 5 到 20 个比特币不等 ), 而 

我们只是为了支持上市项目 , 象征性地收取一些上市费 , 上市 

费通常都是项目的原生代币 , 以示我们对该项目的信任。 

我们拥有最好的证券系统之一 , 可以为用户提供世界一流的服 

务。很少有加密货币交易平台提供联系电话和实时聊天服务 , 

而 Future1exchange 就能为散户投资者提供这样水平的服务。 

我们提供 Fort-Knox Security、多重签名托管服务、高速匹配引 

擎、全天候交易监控引擎和即时存取款服务。我们还向客户保 

证 , 将 100% 保留他们在 Future1exchange 上的数字资产 , 不会 

在任何其他地方使用这些资产。 

另外 , 我们还有一个学习板块 , 为用户讲解区块链和加密货 

币知识。只有合法且具有巨大潜力的公司才能在我们的交易 

平台上市。 

Future1exchange 将成为那些想要投资能开创未来的颠覆性技 

术公司的投资者和交易者的不二选择。我们致力于打造全球 

领先的加密货币交易所平台 , 用于购买和交易数字货币、数 

字资产组合 , 以及代币发行、托管、加密货币知识普及和预 

测的平台。 

我们的愿景和使命是创建 21 世纪最令人信服的区块链和加密货 

币公司 , 并加速全球向区块链和加密货币技术应用的过渡。 

每个人都可以通过 Future1exchange 平台购买 / 交易加密货币 , 

初创公司也将能够通过代币发行和上市为他们的想法筹集资 

金。 


WHAT PROBLEM IS FUTURE1EXCHANGE SOLVING? 

Future1Exchange supports Initial Coin Offering (ICO) 

Projects. The benefits of using an ICO over other forms 

of funding are very clear. The ownership of the company 

remains yours. The cost of an ICO is much, much lower 

compared to an IPO. An ICO doesn’t take money in return 

for cranking out a product that hasn’t yet been created, 

so the pressure to produce a product quickly is much 

lower. Hence Future1Exchange solves the fund-raising 

problem of entrepreneurs through Initial Crowdfund 

Offering and Listing. 

Future1Exchanges also solves the problem of 

GateKeeping. Projects which were previously denied 

to the crowd and available only to Venture Capital 

and high net-worth individuals with networks and 

connections, will no longer only be for the privileged 

few members of the society. Future1Exchange will help 

entrepreneurs circumvent obstacles of fund raising 

wherein they can appeal directly to a general audience 

on Future1Exchange Platform. 

Start-ups and SME (Small and Medium Enterprises) 

account for over 95% of global firms and over 75% of 

employment. Future1Exchange wants to help Startups 

and SME in their Fund raising and blockchain journey and 

in turn help create jobs for the global economy. 

DOES FUTURE1EXCHANGE HAVE ANY INTENTION 

OF ADDING CRYPTO TO FIAT PAIRINGS GIVEN THE 

VOLATILITY OF STABLECOINS? 

Future1Exchange will soon be launching P2P Exchange 

which will have a crypto-to-fiat pairing. 

HOW DO YOU ENSURE LIQUIDITY IN SOME OF THE 

LOWER-TRADED ALTCOINS? 

We make sure every token listed on our Exchange does 

market making and creates liquidity, otherwise the token 

will be delisted - this is part of our listing agreement. 

MILLIONS HAVE BEEN STOLEN FROM CRYPTO 

EXCHANGES DUE TO SECURITY VULNERABILITIES. 

WHAT SETS YOUR FIRM APART FROM THE REST? 

We have a Fort-Knox Security X509 SSL HTTPS 

certificate and 2 factor authentication with IP binding. 

This is tied up with Ledger for multi–signature cold wallet 

to automatically back up all our assets. 


Q&A 问答 

HAVE YOU ANY PLANS TO TRANSITION 

INTO A DECENTRALISED EXCHANGE THAT 

GIVES USERS OWNERSHIP OVER THEIR 

PRIVATE KEYS? 

We have plans to launch a Peer2Peer 

Exchange. P2P takes a decentralised 

approach to trading between individuals. 

USER EXPERIENCE IS ARGUABLY ONE 

OF THE BEST PREDICTORS OF A HIGHLY 

SUCCESSFUL ONBOARDING PROCESS. HOW 

DOES FUTURE1EXCHANGE TACKLE THIS? 

We have a live chat support service and 

telephone number for users to call us - very 

few crypto exchanges can be reached over 

a phone. A multi-language trading interface 

means clients will soon be able to purchase 

Crypto with a credit card and users can 

exchange over 100+ cryptocurrencies. 

“ We are expanding 

and will be opening 

global offices in 

Europe, the Middle 

East, and South 

East Asia ” 

ARE THERE ANY SNEAK PEEK 

DEVELOPMENTS YOU’D LIKE TO 

ANNOUNCE? 

We are expanding and will be opening global 

offices in Europe, the Middle East, and South 

East Asia. We have a stellar team – Herbert 

Sim from Huobi aka the Bitcoin Man, Eman 

Pulis founder of AIBC Summit and Saleem 

Mohammad, founder and CEO of Tescon and 

World Blockchain Summit have all joined our 

Board of Advisors. 

We are planning our token offering by the end 

of this year. 

Future1Exchange 解决了哪些问题 ? 

Future1Exchange 支持首次代币发行 

(ICO) 项目。通过首次代币发行筹集资 

金的优势非常明显 , 公司的所有权仍然属 

于你。与首次公开募股相比 , 首次代币发 

行的成本要低得多。首次代币发行不会为 

推出一款尚未问世的产品而收取回报 , 

所以迅速推出产品的压力要小得多。因 

此 ,Future1Exchange 可以通过首次众筹 

和上市帮助创业者们解决融资问题。 

Future1Exchanges 还解决了把控入口 

问题。以前只有风险资本和拥有网络 

和人脉的高净值个人客户才能参与的项 

目 , 将不再仅限于享有特权的少数成 

员。Future1Exchange 将帮助创业者们规避 

融资障碍 , 他们可以在 Future1Exchange 平 

台上直接向大众融资。 

初创企业和中小型企业占全球企业 

的 95% 以上 , 就业人数占 75% 以 

上。Future1Exchange 希望帮助初创公司 

和中小企业筹集资金 , 开展区块链业务 , 

从而创造更多就业机会 , 推动全球经济 

发展。 

考虑到稳定币的反复性 ,future1exchange 

是否有意增加加密货币到法定货币的交 

易对 ? 

Future1Exchange 不久会推出将加密货币 

和法定货币配对的 P2P 交易。P2P 交易就是 

各方的数字资产进行点对点交易 , 没有中 

心机构的参与。 

您如何确保部分交易量较低的山寨币 

(altcoin) 的流动性 ? 

我们确保在我们的交易平台上市的每一种 

代币都要做市并创造流动性 , 否则该代 

币就会被摘牌 , 这是我们上市协议的一 

部分。 

由于安全漏洞 , 数百万资产因加密货币交 

易被盗。您的公司有什么与众不同呢 ? 

我们有 Fort-Knox Security、X509 SSL 

HTTPS 证书 , 还有双重认证和 IP 绑定。这 

主要是利用分布式总账技术 , 以便多重签 

名的离线钱包自动备份我们的所有资产。 

“ 我们正在扩展业 

务 , 未来会在欧 

洲、中东和东南亚 

开设全球办事处 ” 

您有计划过渡到分散交易 , 让用户拥有自 

己的私钥吗 ? 

我们计划推出的 P2P 交易就是采用分散方 

式让个人之间进行交易。 

用户体验可以说是一个成功产品的最佳预 

测指标。future1exchange 如何处理用户 

体验的呢 ? 

我们有支持实时聊天服务 , 也给出了我们 

的联系电话 , 方便用户联系 , 很少有加密 

货币交易平台会给出自己的联系电话。我 

们还拥有多语言的交易界面 , 不久客户还 

可以用信用卡购买加密货币 , 而且可以交 

易 100 多种加密货币。 

您有什么让人先睹为快的进展想要宣布 

吗 ? 

我们正在扩展业务 , 未来会在欧洲、中 

东和东南亚开设全球办事处。我们有一 

支出色的团队 : 有来自火币的赫伯特 · 西 

蒙 (Herbert Sim), 又叫做 “ 比特币男 

人 ”, 还有 Eman Pulis, 马耳他人工智能 

和区块链峰会组织者 , 以及 Tescon 的创始 

人兼首席执行官 Saleem Mohammad, 另 

外 , 世界区块链峰会也加入了我们的顾问 

委员会。 

我们计划在今年年底发行代币。 


BANKING 

ON ZBX 

ZBX 银行业务 

THIS TIME LAST YEAR THERE 

WERE NUMEROUS CRYPTO 

EXCHANGES THAT HAVE TAKEN UP 

THE MALTA FINANCIAL SERVICE 

AUTHORITY’S TRANSITORY PERIOD 

TO ANNOUNCE THE SETTING UP 

OF THEIR BUSINESSES ON THE 

BLOCKCHAIN ISLAND. ONE YEAR 

ON WE TAKE THE OPPORTUNITY TO 

SPEAK TO THE CEO OF ZBX, DAVE 

PULIS. WITH PHYSICAL OFFICES ON 

THE ISLAND AND OTHERS AROUND 

THE WORLD, ZBX IS DEFINITELY 

MAKING HEADLINES. 

去年这个时候 , 大量的加密货币交易所在 

马耳他金融服务管理局指定的过渡期内 

宣布在区块链岛上建立业务。一年后的今 

天 , 我们有幸采访了 ZBX 首席执行官 Dave 

Pulis。ZBX 在岛上和世界各地都设有实体 

办公室 , 绝对是热门话题。 


Q&A 问答 

LET’S GET STRAIGHT TO THE HARD QUESTIONS. IS ZBX 

PROCEEDING WITH THE VFA EXCHANGE APPLICATION 

IN MALTA? 

Yes, we have been working hard behind the scenes on 

many aspects critical to the licence application and I’m 

happy to say ZBX is on track to submit its application 

for a Class 4 VFA Service Provider licence in Malta. 

Considering the huge effort to set up a corporate 

governance framework for our VFA licence, we are using 

the experience and legal framework to also prepare an 

application to be regulated under MiFID II that will enable 

us to list security tokens in the future. 

mind that the future of exchanges is more akin to digital 

banking, we owe it to our users to establish ZBX in the 

most stringent jurisdiction which ultimately protects 

their interests and their assets. Malta has set a high bar, 

meaning it is possible if not likely that in time Europe 

will adopt a similar regulatory regime and perhaps in the 

coming years the licence will be passportable throughout 

the EU. This is a huge competitive advantage. 

WE READ THAT ZBX IS GOING TO BE AUDITED BY ONE 

OF THE TOP 4 AUDIT FIRMS. IS THIS TRUE? IF YES, 

WHY GO THROUGH SUCH AN ORDEAL WHEN THIS IS 

NOT A REQUIREMENT? 

“ There are 

millions of crypto 

users that are 

unbanked due to 

the regulatory 

uncertainty 

burdening the 

industry ” 

WHY DO YOU THINK THAT 

MOST EXCHANGES WILL NOT 

BE PROCEEDING WITH THEIR 

APPLICATION IN MALTA? 

The Maltese regulatory 

regime is very thorough. It’s 

much easier to set up shop 

in jurisdictions with low to 

no regulation, where you can 

buy a licence off the shelf. 

The exchange business 

can be costly, even when 

unregulated. Bearing in 

We have talked to the large audit firms and determined 

that if we are to be considered on par with traditional 

stock exchanges like Nasdaq and the London Stock 

Exchange, then we have to provide the same level of 

transparency and disclosure that traders expect when 

investing their capital. It’s clear that the industry has 

been left wanting over the last few years and it’s clear 

that there is still a long way to go. The exchange industry 

must continue to challenge itself and continue to adapt. 

ZBX wants to tackle the big issues; we want to provide 

clarity and security, the type you can only get through 

laying it all bare and being tested by independent bodies, 

agents, and regulators. 

我们开门见山 , 直接聊一些不那么容易回答的问题。ZBX 是否继续 

在马耳他申请 VFA 交易所 ? 

是的 , 我们一直在幕后为此奔走 , 努力满足许可证申请的各个关 

键方面。在此 , 我很高兴地向你们宣布 ,ZBX 即将在马耳他提交其 

4 级 VFA 服务提供商许可证申请。考虑到我们为 VFA 许可证设立公司 

治理框架所付出的巨大努力 , 我们正在运用相关经验和法律框架 , 

另外准备申请受到 MiFID II 监管的许可证 , 让我们可以在未来上市 

证券型代币。 

为什么您认为大多数交易所不会继续在马耳他申请许可证 ? 

马耳他的监管制度非常严格。在没有监管或监管不严的司法管辖 

区开设企业会更容易 , 因为那里可以买到现成的许可证。即使不 

受监管 , 交易所业务也成本高昂。考虑到未来的交易所更像是数字 

银行 , 为了对我们的用户负责 , 我们必须在最严格的司法管辖区内 

建立 ZBX, 这样才能最好地保护用户的利益和资产。马耳他设定了 

高标准 , 这意味着如果欧洲没有及时采用类似的监管制度 , 那么可 

能在未来几年内 , 该许可证将可以在整个欧盟内通行。这是一个巨 

大的竞争优势。 

“ 监管不确定性给行业带来了 

很大的负担 , 数百万加密货币 

用户因此无法享受银行服务 ” 

我们了解到 ZBX 将由四大审计事务所之一进行审计。这是真的吗 ? 

如果是的话 , 为什么要大费周章进行这个不在申请要求内的流程 ? 

我们与大型审计事务所进行了沟通 , 意识到如果我们想达到纳斯达 

克和伦敦证券交易所等传统证券交易所的高标准 , 那么我们必须 

为交易者在投资时提供同一水平的透明度和公开度。毋庸置疑 , 

这个行业在过去几年里各方面都有待提高 , 我们显然还有很长的 

路要走。交易所行业必须持续挑战自我并不断适应新的形势。ZBX 

希望解决那些关键问题 ; 我们希望提供最高级别的透明度和安全 

性 —— 只有坦诚布公并接受独立机构、代理 ZBX 和监管机构的测试 

才能达到。 


‘The Strand’ 

Opening in November 2019 

WE BRING PEOPLE TOGETHER 

AND CREATE OPPORTUNITIES FOR 

COLLABORATION AND NETWORKING 

PLUG & PLAY 

OFFICE SPACE 

SOLUTION 

Unique amenities: member’s cafe, swimming pool, 

a lounge bar, rooftop garden, gym and more. 

Immerse yourself in the SOHO community! 

+356 9933 4333 

info@sohomalta.com 


Book a tour at 

sohomalta.com

Q&A 问答 

LET’S TALK INNOVATION! WE HEARD ON THE GRAPEVINE THAT 

ZBX IS PLANNING TO OFFER SOME BANKING SERVICES TO ITS 

USERS. CAN YOU TELL US MORE ABOUT THIS? 

Banking is the biggest pain point in this industry. The news 

should come out by the time this magazine goes to print but 

“ ZBX is much 

more than a 

crypto exchange. 

It is also a 

bridge between 

the traditional 

economies of 

the past and the 

digital economies 

of the future ” 

we can disclose that ZBX 

has secured partnerships 

with UK, Swiss, Chinese, 

and North American banks. 

Verified clients of ZBX will 

be able to open a personal 

bank account offered 

through our banking 

partners and link their 

bank account to ZBX. This 

means cash deposits in 

and out will be uninhibited 

by current restrictive 

practices seen elsewhere. 

Clients will be able to order 

debit cards and also have 

access to other exciting 

products that we will soon 

release to the market. We ultimately see ourselves increasing 

our product offering to be a leading digital financial institution, 

irrespective of whether you are based in Shanghai, Brazil, 

or Germany for example. This will apply to both digital and 

traditional assets. 

THAT IS A BIG CLAIM INDEED FOR A COMPANY THAT IS LESS 

THAN ONE YEAR OLD. WHAT ARE THE EXPANSION PLANS FOR 

ZBX TO ACHIEVE SUCH RAPID GROWTH? 

Firstly we should thank our partners in Asia, the ZB group, 

for the assistance they provided. Going forward, we have 

hired the most talented marketers and product development 

experts that will form part of our core team helping to polish 

our existing product. We are currently revamping the website, 

backend, trading infrastructure/API and mobile Apps. Soon 

afterwards we plan to add the banking interface and other 

tools that will make the user experience that much better. 

There are millions of crypto users that are unbanked due to 

the regulatory uncertainty burdening the industry. We will be 

offering users the ability to deposit and withdraw in multiple 

fiat currencies, hedge with bank-backed stablecoins and 

secure their assets in a regulated exchange that is trusted by 

reputable banks. 

ZBX is much more than a crypto exchange. It is also your security 

token exchange, your cash machine, your liquidity provider, 

your business accelerator, your forex agent, a bridge between 

people, countries and continents as well as a bridge between the 

traditional economies of the past and the digital economies of the 

future. Virtually, anything is possible. 

我们来谈谈创新吧 ! 我们听到一些传闻 , 说是 ZBX 计划向用户提供一 

些银行服务。您能就此详细说明一下吗 ? 

银行业务是这个行业最大的痛处。这个消息计划在这期杂志出版时向 

公众宣布 , 但我们可以透露一点 ,ZBX 已经与英国、瑞士、中国和北美 

的银行建立了合作伙伴关系。经过验证的 ZBX 客户将可以通过我们的银 

行合作伙伴开立个人银行账户 , 并将他们的银行账户关联到 ZBX。这意 

味着现金的存取款将不受其他地区当前限制性做法的拘束。客户将可 

以订购借记卡 , 还可以使用我们即将发布的其他精彩产品。无论您身 

处上海、巴西还是德国 , 我们都会不断发布更多产品 , 力图成为业界 

领先的数字金融机构。这将同时包括数字资产和传统资产。 

对于成立不到一年的公司来说 , 这确实是一个雄心勃勃的目标。ZBX 

实现如此快速增长的扩张计划是什么 ? 

首先 , 我们要感谢亚洲合作伙伴 ZB 集团所给予的大力帮助。除此之外 , 

为了进一步发展 , 我们聘请了最有才华的营销人员和产品开发专家 , 他 

们构成我们核心团队的一部分 , 帮助我们完善现有产品。我们目前正在 

“ZBX 不仅仅是加密货币交易 

所。它也是连结过往传统经济 

与未来数字经济的桥梁 ” 

全面更新网站、后端、交易基础设施 /API 和移动应用程序。在不久的将 

来 , 我们计划添加银行业务界面和其他工具 , 优化用户体验。 

监管不确定性给行业带来了很大的负担 , 数百万加密货币用户因此无 

法享受银行服务。我们的用户将可以使用多种法定货币存取款、以银 

行支持的稳定币进行对冲 , 并且他们的资产会在受信誉良好的银行信 

任的受监管交易所得到保护。 

ZBX 不仅仅是加密货币交易所。它也是您的证券型代币交易所、您的 

提款机、您的流动资金提供商、您的业务加速器、您的外汇经纪人 , 

更是连结个人、国家和大洲以及连结过往传统经济与未来数字经济的 

桥梁。事实上 , 一切皆有可能。 


Breaking the bank 

冲破银行束缚 

REUVEN SCHOCKNER IS AN ARTIST FROM GERMANY WITH A BACKGROUND 

IN GRAFFITI ART. HE HAS MOVED INTO FINE ARTS THROUGHOUT THE YEARS 

AND CURRENTLY IS FOCUSING ON THE RISE OF CRYPTO AND THE FALL OF 

FIAT. HE SHARES HIS THOUGHTS ON THE RELATIONSHIP BETWEEN MONEY 

AND ART AND HOW CRYPTO HAS INSPIRED HIS WORKS. 

Reuven Schockner 是一位拥有涂鸦艺术背景的德国艺术家 , 多年来一直从 

事美术工作 , 目前他正在关注加密货币的崛起和法定货币的衰落。他分享 

了他对金钱与艺术之间关系的看法 , 以及加密货币如何给予他灵感。 

HOW SIGNIFICANT IS THE CONCEPT OF MONEY 

TO YOUR ARTWORKS? 

Very significant - it´s the foundation of what I do; the material 

I use, and the intention behind my paintings. Money was a 

significant factor for human civilization to grow and prosper. 

We see today that it failed in many ways; this has lead to an 

opportunity to rethink and change. We (humans) seem to only 

change after having failed before - it´s painful but it´s necessary. 

I find that to be a very, very interesting concept for my artworks. 

WHAT IS SO ALLURING ABOUT CRYPTOCURRENCIES AS A 

THEME? HOW HAVE YOU EXPLORED THEM IN YOUR ART? 

It´s the next chapter for a prosperous global society - 

cryptocurrencies and the technology behind them are the tool 

to achieve this. After the last exhibition of my art at the Malta AI 

& Blockchain Summit I got the chance to listen to some of the 

leading thinkers in that field, which piqued my curiosity. That 

interest has materialised in my artwork. 

金钱的概念对您的作品有多重要 ? 

非常重要 , 这是所有工作的基础 , 我使用的材料 , 

我画画的意图 , 都是基于金钱。金钱是人类文明 

成长和繁荣的重要因素。今天我们看到金钱在许多 

方面都失败了 , 但这也给了我们重新思考和改变的 

机会。我们人类似乎只有在失败以后 , 才会想起改 

变 , 改变的过程很痛苦 , 但却很有必要。我觉得这 

对我的作品而言 , 是一个非常有趣的概念。 

加密货币作为一个主题有什么吸引人之处 ? 您是如 

何在您的艺术作品中探索加密货币的 ? 

加密货币将重新开启一个繁荣的全球社会 , 加密货 

币及其背后的技术正是实现这一目标的工具。上次 

我的艺术品在马耳他的人工智能和区块链峰会上展 

览结束后 , 我有幸听到该领域的一些顶尖人物的讲 

话 , 这激发了我的好奇心。我也将这种兴趣融进了 

我的作品当中。 


CATAGORY Q&A 问答 


“ There is no censorship 

in art. There is only 

controversy ” 

IN THE LAST ISSUE OF BLOCK WE WROTE ABOUT AN AI PROJECT 

THAT WAS PRODUCING ITS OWN ARTWORKS BASED ON THE WORKS 

OF ARTIST MARK MALLIA – DOES THIS WORRY OR INSPIRE YOU? 

It´s provocative and Mark, as an established artist, pushes himself and 

his ideas further and further. Of course, I find myself inspired by his 

choice of creative freedom. 

WHAT DO YOU THINK ABOUT PROJECTS LIKE OPENBAZAAR 

THAT ARE USING CRYPTOCURRENCIES TO CREATE THE ABILITY 

TO SPECIFY PRICES IN FIAT, ALLOWING PSEUDO-ANONYMOUS 

TRADING WITHOUT CENSORSHIP AND WITHOUT THE RELIANCE ON 

MIDDLE MEN LIKE GALLERIES AND INSTITUTIONS? 

There is no censorship in art. There is only controversy. So I think the 

project you mentioned is not as relevant for art as it is for the concept of 

decentralisation. The artist has a choice and that is what counts. 

THERE HAS ALWAYS BEEN A LONG AND COMPLICATED 

RELATIONSHIP BETWEEN MONEY AND ART – HOW DO THEY 

INFLUENCE EACH OTHER? 

I find it rather uncomplicated. People buy art and rich people buy more 

art. When art becomes solely a commodity rather than a collectible it 

will become unappealing to the idea of art. I still prefer to sell a painting 

as opposed to keeping it. My agenda is geared towards moving and not 

standing still. 

在上一期的《区块 (Block)》杂志中 , 我们报道了一个基于艺术家马克 · 马 

利亚的作品自行制作艺术作品的人工智能项目 , 这会让您担心或者激励您 

吗 ? 

这是一场挑衅 , 马克是一个成熟的艺术家 , 他会不断提升自己和自己的想 

法。当然 , 我也从他所选择的创作自由中获得了灵感。 

像 OpenBazaar 这样的项目 , 利用加密货币来制定以法定货币为单位的价 

格 , 允许伪匿名交易 , 且没有审查 , 无需依赖画廊及机构等中间商 , 对此 , 

您怎么看 ? 

艺术没有审查 , 只有争议。所以我认为你所说的项目 , 与其说和艺术相关 , 倒 

不如说和去中心化概念更加相关。艺术家有选择的权利 , 这才是最重要的。 

金钱和艺术之间一直存在着漫长而复杂的关系 , 它们是如何互相影响的呢 ? 

我觉得很简单 , 人们要购买艺术品 , 有钱的人买得更多。当艺术作品仅仅是 

一件商品而不是收藏品时 , 它对艺术理念毫无吸引力。我还是喜欢把画卖出 

去 , 而不喜欢将它收藏起来。我的目标是不断向前 , 而不是停滞不前。 


Q&A 问答 

WARHOL AND BANKSY HAVE BEEN KEY FIGURES IN 

THE ART WORLD WHEN IT COMES TO CONVERSATIONS 

ON THE PERCEIVED VALUE OF MONEY AND THE WAY 

IT SHAPES SOCIETY– DO YOU SEE ANY PARALLELS 

BETWEEN THEIR WORK AND YOUR OWN? 

You are right, as both artists are fundamental ambassadors 

of popular art within their zeitgeist. There is also a huge 

difference. Warhol was mainly an artist for the bohemian 

rich, while Banksy started as a graffiti artist, so Banksy´s 

art was intentionally for freedom. 

ARE THERE ANY CURRENT ARTISTS OUT THERE AT 

THE MOMENT WHO HAVE CAUGHT YOUR EYE? 

Of course. Too many to mention, but you definitely should 

check out Revok, Joakim Ojanen, Lisa Ericson, Tom 

Badley, Retna and so on... 

DOES GRAFFITI STILL PLAY A BIG ROLE IN 

YOUR ARTWORK? 

Graffiti is typography. Sometimes rather cryptic to read but 

it’s readable. In my opinion it’s the perfect tool for combining 

artistic freedom with a message. It’s my genre - forever. 

THERE’S A SENSE OF IRONY ABOUT CREATING VALUE 

OUT OF DESTRUCTION (TAKE BANKSY’S SHREDDED 

ARTWORK DOUBLING IN VALUE). YOU OFTEN DESTRUCT 

MONEY TO CREATE YOUR ARTWORKS – DOES THE 

RESULTING CONVERSATION THIS PROVOKES HAVE 

MORE VALUE THAN THE PHYSICAL PIECE ITSELF? 

Of course. Banksy shredded his artwork to destroy it and 

not to raise its value. My intention is the same but I don’t 

stop there. I use my money as a tool to tell my story. The 

value of money is only found in believing in the story of 

money. Make your choice. 

WHAT UPCOMING PROJECTS DO YOU HAVE 

IN THE PIPELINE? 

Cryptoart is creating its own growing genre, so I am 

fascinated by the huge interest from so many countries. 

My crypto paintings will also soon be accompanied by 

sculptures I am currently working on. 

当谈到金钱的感知价值以及其如何塑造社会时 , 沃霍尔和班 

克斯一直是艺术界的关键人物 , 您认为您的作品和他们的作 

品有什么相似之处吗 ? 

你说得很对 , 这两位艺术家都是他们那个时代思潮中波普艺 

术的奠基人物 , 但他们之间还是有很大的差异。沃霍尔主要 

是波希米亚富人的艺术家 , 而班克斯最初是一名涂鸦艺术 

家 , 所以班克斯的艺术是为了自由。 

目前还有没有哪位艺术家吸引了您 ? 

当然有 , 而且多到说不完 , 你可以去了解一下 Revok、Joakim 

Ojanen、Lisa Ericson、Tom Badley 以及 Retna 等等。 

涂鸦仍然是您作品中的重要部分吗 ? 

涂鸦是版面设计 , 有时会有点晦涩 , 但是是可以感受到的。 

在我看来 , 涂鸦是将艺术自由与信息结合的完美工具 , 将是 

我永远的体裁。 

从毁灭中创造价值颇具讽刺意味 ( 以班克西破碎的艺术品价 

值翻了一倍为例 )。您经常会撕毁金钱来进行艺术创作 , 这 

样的结果会比实物作品本身更有价值吗 ? 

当然 , 班克西撕毁作品是为了毁掉它 , 而不是为了提升它的 

价值。我的意图也是一样的 , 但我的目的不止于此。我用金 

钱作为讲述故事的道具。只有相信金钱的故事 , 才能发现金 

钱的价值 , 所以你要做出选择。 

您即将要开展的有哪些项目 ? 

Cryptoart 正在形成自己的发展风格 , 所以我被许多国家表现 

出的强烈兴趣所吸引。继加密货币画作之后 , 我的雕塑作品 

也正在创作当中。 

“ 艺术没有审查 , 

只有争议 ” 


THE EDGE OF A KNIFE 

刀锋危机 

REAL WARS ARE FOUGHT ON THE BATTLEFIELD WITH WEAPONS AND 

AMMO. COMMERCIAL WARS ARE FOUGHT WITH TARIFFS AND CURRENCIES. 

AS THE US MOVES AWAY FROM THE DECADES-LONG “STRONG DOLLAR” 

APPROACH, POLICY MAKERS FROM EITHER SIDE OF THE POND HAVE NOW 

BEEN PLACED IN THE LINE OF FIRE FOR SUPPOSEDLY DRIVING DOWN 

EXCHANGE RATES IN ORDER TO GAIN A COMPETITIVE ADVANTAGE. 

真实的战争在战场上以真刀真枪为武器。商业战争以关税和货币为武器。随着美国摆脱长达数十年 

的 “ 强势美元 ” 战略 , 大洋两岸的政策制定者不得不置身于压低汇率的战场 , 以获得竞争优势。 

BY CHRISTOPHER ATTARD, 

SIGMA GROUP HEAD OF MEDIA OPERATIONS 

= 



A 

fter the 2008 financial crisis, foreign exchange 

wars have simmered under the surface, even 

though nobody wants to admit they are waging 

one. For instance, quantitative easing stemming from 

unconventional central bank monetary policies have been 

actively changing the size of various fiat-currency supplies 

and their rate of growth. The most famous frenzy of 

competitive devaluations came during the great depression 

in the 1930s as countries ditched the gold standard that 

pegged their currencies to the metal’s value. 

ESCALATING TRADE WAR 

Barely a couple of months ago, the “nuclear option” was 

trending on financial news outlets, where China was gearing 

towards possibly generating a massive debt crisis in the US 

by triggering a US treasury holding sell off. 

Indeed, in a drawn-out series of disputes and escalating 

tensions, the US accused China of mobilising its currency, 

the Yuan, to gain the upper hand in trade – labelling China 

a currency manipulator, and roiling financial markets in the 

process. The trade tariffs saw China’s Yuan hit nearly as low 

as $7.05, the weakest level since April 21st, 2008. 

The PBOC then released a statement saying that it “has 

accumulated rich experience and policy tools, and will 

continue to innovate and enrich the control toolbox, and 

take necessary and targeted measures against the positive 

feedback behaviour that may occur in the foreign exchange 

market.” This was seen as an official announcement by the 

Chinese central bank that it remains committed to defend 

its interests on the currency front. 

“ 2019 was the year political 

posturing on either side 

transformed into action ” 

Shortly after, neither the International Monetary Fund 

nor the World Trade Organisation supported the initial 

accusation, opening the US up to international legal 

sanctions if it were to unilaterally hit China with retribution 

on that basis. Naturally, given that the US is over a third of 

the world’s GDP, the global economy would inevitably get 

dragged into this – possibly while kicking and screaming. 

2008 年金融危机之后 , 外汇战争已浮出水面 , 不过没有人愿意承 

认他们是发动战争的一方。例如 , 源自非常规央行货币政策的量 

化宽松政策极大地改变了各种法定货币供应量及其增长率。最著 

名的竞争性贬值狂潮发生在上世纪 30 年代的大萧条时期 , 那时各 

国抛弃了将其货币与贵金属价值挂钩的金本位制。 

不断升级的贸易战 

几个月前 ,“ 核选项 ” 成为金融新闻媒体的热词 , 指得是中国试 

图抛售美国国债而引发美国大规模的债务危机。 

事实上 , 在一系列纠纷和不断升级的紧张局势中 , 美国指责中国 

操纵人民币汇率以获得贸易优势 , 并将中国列为汇率操纵国。此 

举极大地撼动了金融市场。由于贸易关税 , 中国人民币的汇率降 

至 7.05 比 1, 这是自 2008 年 4 月 21 日以来的最低水平。 

“2019 年是双方将政治姿 

态转变为行动的一年 ” 

中国人民银行随后发表声明 , 称其 “ 积累了丰富的经验和政策工 

具 , 并将继续创新和丰富调控工具箱 , 针对外汇市场可能出现的 

正反馈行为 , 要采取必要的、有针对性的措施。” 业内广泛认为 

这是中国央行正式宣布其仍致力于捍卫其在货币方面的利益。 

不久之后 , 国际货币基金组织和世界贸易组织否决了最初的指 

控 , 如果美国单方面以此为基础对中国进行报复 , 他们将根据国 

际法律对美国进行制裁。当然 , 鉴于美国经济占世界 GDP 的三分 

之一以上 , 全球经济将不可避免地陷入这场针锋相对的争端中。 


A BLEED-OUT EFFECT 

2019 was the year political posturing on either 

side transformed into action as the world’s largest 

economies weaponised their respective economic 

tools to trade blows. Consequently, the trade 

war morphed into a currency and economic war, 

which is to say among other things that no trade 

deal will be established before the 2020 American 

Presidential elections. 

Recently, the US President said he would raise 

tariffs from 25% to 30% on $250 billion in Chinese 

products, and would increase tariffs on the 

remaining $300 billion in goods from 10% to 15% – 

some of which went into effect in September. The 

POTUS also blamed China for not buying enough 

US agricultural goods and for failing to stop the 

flow of fentanyl, an addictive opioid, into America. 

Additionally, the debacle also spread to include 

US allegations against China which is ostensibly 

stealing trade secrets and forcing foreign 

companies to hand over sensitive technology. 

In the interim, the sliding Yuan, trade tariffs on 

Chinese imports and other market pressures have 

slowed down the Chinese economy as the world’s 

two largest economies lock themselves in a trade 

war. Twelve rounds of talks have thus far failed 

to end the deadlock; all the while drawn out and 

escalating tensions begin to set the stage for the 

global economy to potentially reach recession 

territory by some time in 2020. 

放血效果 

由于世界上最大的经济体运用各自的经济工具进行贸易打击 ,2019 年是 

双方将政治姿态转变为行动的一年。这就让贸易战争演变成了货币和经 

济战争 , 也就是说 , 在 2020 年美国总统选举之前 , 不会有任何贸易协议 

达成。 

最近 , 美国总统表示将把 2500 亿美元中国产品的关税从 25% 提高到 30% 

, 并将剩余 3000 亿美元商品的关税从 10% 提高到 15%, 部分变更已在九 

月份生效。美国总统还指责中国没有购买足够多的美国农产品 , 也没有 

阻止芬太尼 ( 一种令人上瘾的阿片类药物 ) 流入美国。此外 , 美国还指 

控中国窃取商业机密并迫使外国公司交出敏感技术。 

随着世界两大经济体深陷贸易战 , 在人民币贬值、对中国进口商品的贸 

易关税和其他市场压力之下 , 中国经济已然放缓。迄今为止 , 十二轮谈 

判都未能结束僵局 ; 随着时间的推移 , 紧张局势不断升级 , 各种因素可 

能在 2020 年将全球经济拖入衰退的泥潭。 

比特币的情况 

虽然最初争议的重点是贸易和外国投资 , 但货币也不可避免地遭到拖 

累。商界领袖们已经指出 , 这场 “ 贸易战 ” 可能会持续多年 , 其影响、 

其中穿插的各种意外和复杂的民族特质杂糅其中 , 战争将逐渐走向高潮 

并决出最终的胜利者。 

与此同时 , 互联网会塑造自由民族国家的愿景。一方面 , 互联网使人们 

超越对集体的忠诚 , 另一方面 , 它引起了支持强硬国家管制的守旧派的 

抵制。 

? 

? 

THE CASE FOR BITCOIN 

While the initial focus was on trade and foreign 

investment, the dispute has also dragged 

currencies into the mix. Business leaders have 

pointed out that this “trade war” could last 

for years, with the implications, sub-plots and 

complex national idiosyncrasies making for an 

eventual crescendo from which a winner will 

invariably emerge. 

Meanwhile, the Internet is gearing towards taking 

up a revised vision of the liberal nation-state. On 

the one hand, the Internet has enabled people to 

transcend group loyalties, while on the other hand, 

it has caused a backlash from old-guard defenders 

of hard-line state control. 



For instance, the digital surveillance and clear 

authoritarianism stemming from Beijing coupled with 

the militaristic rhetoric and bluster from US authorities 

as well as sustained expectations of a looming world 

economic crisis are more than enough reasons to set 

off alarm bells for those paying attention. 

“ The vital bulwark 

against centralised 

control of decrepit 

banking systems, 

untrustworthy tech 

behemoths and 

wayward governments 

is real; and it’s 

called bitcoin ” 

As is common knowledge, currency debasements, 

ethnic conflict or hard-asset devaluation aren’t at 

all new. Indeed, gold’s ancient and widely recognised 

store of value has often found itself to be one of the 

best hedges against outside influences of overzealous 

governments and regimes. However, this time around, 

citizen’s seeking a hedge against such threats 

have a digital alternative, one that is arguably more 

appropriate for the Internet generation by a mile. 

例如 , 北京的数字监控和明显的威权主义 , 加上美国当局的军国主义言 

论和严厉指责 , 以及长期笼罩的世界经济危机阴云 , 足以为关注的人们 

敲起警钟。 

货币贬值、种族冲突或有形资产贬值并不是新鲜事物 , 早已为人们所熟 

知。事实上 , 为对抗控制欲过强的政府和政权的外部影响 , 人们发现古 

老且保值能力得到公认的黄金是最佳对冲品之一。不过这一次 , 寻求对 

冲此类威胁的公民可以选择一种数字替代品 , 也是更贴近互联网一代的 

产品。 

“ 这是对抗陈旧的银行系 

统、不值得信赖的技术巨头 

和任性的政府的集中管制的 

桥头堡 —— 它就是比特币 ” 

这是对抗陈旧的银行系统、不值得信赖的技术巨头和任性的政府的集中 

管制的桥头堡 —— 它就是比特币。除了支撑货币无可辩驳的数字稀缺性 

的保值原理和不可变性技术之外 , 比特币的网络和原动力效应使其成为 

最佳的数字对冲品 , 足以应对最近的未来可能发生的黑天鹅事件。 

虽然主要风险在于全球监管机构对加密货币的强烈抵制 , 但抗审查货币天 

生具有抗脆弱性 , 理论上来说 , 波动性越大 , 它的优势就会越凸显。 

? 

The vital bulwark against centralised control of 

decrepit banking systems, untrustworthy tech 

behemoths and wayward governments is real; and it’s 

called bitcoin. Aside from the store of value argument 

and the immutable technology that underpins the 

currency’s irrefutable digital scarcity, bitcoin’s 

network and prime mover effects make it the most 

reasonable digital hedge against a probable black 

swan event occurring in the near future. 

? 

While a major risk lies in the possibility of global 

regulatory backlash against the currency, the 

censorship-resistant currency was built with antifragility 

in mind, which is to say that in theory, it 

should gain more strength as volatility increases. 


SPACE TO GROW 

Join over 2,000 delegates at the inaugural 

Medical Cannabiz World to discuss legislation, 

education, investment, and technology in this 

exciting business sector. Showcase your 

products at the expo and network with top 

global industry professionals. Malta may be 

small in size, but it’s big on potential. 

Next stop Asia! 

We’re launching Medical Cannabiz World Asia 

in 2020. Join us in Bangkok on 22-23rd June 

and explore the huge potential this 

up-and-coming marketplace has to offer. 

MALTA 

4-5 NOV 19 

BANGKOK 

22-23 JUN 20 

www.cannabizsummit.world


FEATURE CATAGORY 专题报道 

FLYING THE FLAG 

FOR BLOCKCHAIN 

扬起区块链的大旗 

DAVID GALEA AND BRENDAN MCKITTRICK ARE 

LONG-SERVING VETERANS OF THE AVIATION IT 

INDUSTRY. THEIR PORTFOLIO OF EXPERIENCE 

HAS SEEN THEM WORK CLOSELY WITH AIRLINES 

TO HELP THEM IMPROVE THEIR REVENUES, 

REDUCE THEIR COSTS, AND TRANSFORM THEIR 

CUSTOMER EXPERIENCE – 3 TENETS THEY 

SOUGHT TO BRING TO THE AEROBAND BRAND 

AFTER A CHANCE ENCOUNTER LAST YEAR. 

KATY MICALLEF CATCHES UP WITH THEM 

AHEAD OF THEIR NOVEMBER LAUNCH. 

大卫 · 加利亚 (David Galea) 和布伦丹 · 麦基特 

里克 (Brendan McKittrick) 可以说是航空 IT 领 

域的专家了。凭借着两人的经验 , 他们与航空 

公司密切合作 , 帮助航空公司提高收入 , 降低 

成本 , 改善客户体验。这也是他们去年偶遇后 

一起成立 Aeroband 品牌后所追求的三项原则。 

凯蒂 · 米卡莱夫 (Katy Micallef) 赶在他们 11 月 

的发布会前对他们进行了采访。 

Aeroband founders, David Galea and Brendan McKittrick have 

some lofty ideas when it comes to revolutionising the aviation 

industry. Their combined experience in the aviation industry 

resulted in instant synergy, which helped bring about their vision to 

improve the lot of stakeholders in the industry, not just for airlines but all 

players. And as Brendan says, it was a ‘really enjoyable’ process. 

“I wanted to do something a bit more focused, a bit more agile and at 

the cutting-edge of technology. Starting a company with David was 

absolutely perfect; it’s just been all pleasure since then,” says Brendan. 

“We both had the same vision, we knew we could do this, we know there’s 

a gap, and we both had the same idea to fill it. What I was missing he had 

and what he was missing I had,” explains David. 

Aeroband 的创始人大卫 · 加利亚 (David Galea) 和布伦丹 · 麦 

基特里克 (Brendan McKittrick) 在航空产业改革方面有着崇 

高的理想。他们在航空领域的互补经验为他们带来了即时的协 

同效应 , 这有助于实现他们改善众多航空领域利益相关方的愿 

景 , 这些利益相关方不仅仅只是航空公司 , 而是所有的参与 

者。正如布伦丹所说 , 这是一个 “ 非常享受 ” 的过程。 

他说 ,“ 我想做一些更专注、更灵活而且处在技术前沿的事 

情。和大卫一起创办公司绝对是完美之举 , 创办公司后 , 一切 

都挺好。” 

“ 我们有着同样的愿景 , 而且我们知道我们可以实现这个愿 

景。我们也明白我们之间有分歧 , 但是我们的想法恰好可以弥 

补这种不同。我没想到的他能想到 , 他没想到的我能想到。” 

大卫解释道。 


After a spell working in a couple of different 

industries in the late nineties, Brendan made his 

way back to aviation but was struck by how nothing 

had really changed, the same problems being faced 

by the airlines were still there – in fact the problems 

were getting more acute. 

IATA’s data on the sale price for an airline ticket in 

2019 illustrates just how badly airlines are losing 

out. On average, the going rate for a ticket is $188, 

of which $47 (21%) is allocated to fuel, $47 to labour 

costs, $91 (55%) to all other costs and a final 3% to 

profit. The airlines take the full weight of the risk 

management in the aviation space; they take the full 

risk of the asset cost, which starts with the $200m 

aircraft. “There’s a lot of people making money in the 

aviation industry along the chain – but it’s not the 

airlines,” says Brendan. 

Brendan and David believe blockchain technology 

allows you to do things differently. In this industry 

it’s hard to for airlines to share their information as 

big operators have positioned themselves in the 

middle to be the brokers of that information and 

while some of them do a good job, they keep the 

airlines siloed and end up taking the lion’s share 

of the profit, which means the airline doesn’t get 

much at the end and has to invest further funds into 

administering and reconciling the transactions that 

go through all the applications they buy. 

“ Part of what we’re doing 

is creating a blockchain 

which is eventually owned 

by the community, 

controlled by consensus, 

and serves the community ” 

“The airlines themselves are looking to deal directly 

with their customers and they’re also looking to 

collaborate, so if you can build a blockchain which 

stores all the pertinent information required to run 

an airline, to create an application to act as trusted 

agents between the airlines, you can stop this whole 

industry of double checking. 

Airlines could settle debts directly between each 

other and reduce conflict, while cutting out the 

middle-man. This could reduce cost on many 

different fronts. For example, Cargo companies could 

track parcels through a very reliable trusted network, 

where the consumer can see the information is 

verified and guaranteed and cannot be changed 

because it’s immutable and time stamped. 

Part of what we’re doing is creating a blockchain 

which is eventually owned by the community, 

controlled by consensus, and serves the community 



– we think that’s an important component of 

this. What happens with the middle players in 

a natural capitalistic way is that it’s become 

self serving and the airlines themselves do 

not benefit in the way they should. 

What you have at the centre is a blockchain; 

it doesn’t have a CEO or staff, just an 

autonomous running blockchain which will 

use smart contracts that were created by 

the industry, for the industry. Agreements 

to execute or share value will allow real time 

movement of value without having to have 

multiple accounts all over the world and 

foreign exchange currencies - so it simplifies 

the relationship as well,” says Brendan. 

“The picture is so big”, opines David. “While 

businesses have become efficient over the 

years, in the airline industry the processes 

they have don’t change so they’re constantly 

paying money they really shouldn’t be, 

they’re paying three times for a simple job 

that three different people are doing. What 

we’re trying to do is not change the world but 

change the way they do business - taking 

that expensive last part of the process onto 

the blockchain which makes it far cheaper 

in the operational mode, hence boosting the 

very meagre profits.” 

BY THE PEOPLE, FOR THE PEOPLE 

As David explains, they’re building a 

community and the ID3 thought process is 

key to creating that momentum. In this case 

there’s no such thing as too many cooks. By 

getting at least three different peers to give 

their input you can avoid software that has 

been built according to individual nuances. 

ID3 enables the right combination of 

requirements to come together and create 

something that will cover the needs of all 

other stakeholders in the industry. Each of 

the 3 peers who create a project have to 

sign up for a minimum amount of years to 

use it. This means that we can show what 

the return on investment will be before the 

project even starts, giving investors of that 

project an up-front and very realistic view of 

the return on their investment. 

九十年代后期 , 在几个不同的行业辗转一段时 

间后 , 布伦丹又回到了航空领域 , 但让他感 

到震惊的是 , 航空领域还是老样子 , 一点儿没 

变 , 航空公司所面临的问题也没有得到解决。 

事实上 , 这些问题不仅没有得到解决 , 甚至还 

越来越严重了。 

国际航空运输协会 (IATA) 关于 2019 年的机 

票售价数据表明了航空公司的损失有多么惨 

重。一张机票平均售价为 188 美元 , 其中 47 美 

元 (21%) 用于燃料花费 ,47 美元用于人工 

成本 ,91 美元 (55%) 用于所有其他成本 , 

最后只剩 3% 的利润。航空公司在航空领域承 

担着风险管理的全部责任 , 他们承担了全部的 

资产成本风险 , 而这些成本从一架价值 2 亿美 

元的飞机开始。“ 除了航空公司 , 也有很多其 

他人在这条航空链上赚钱。” 布伦丹说道。 

布伦丹和大卫相信区块链技术可以为我们开辟 

新的途径。在这个领域 , 航空公司间很难相互 

共享信息 , 因为在他们中间还隔着一些大型运 

营商 , 会破坏这些信息的完整性。虽然有一些 

运营商也做得很好 , 但他们将航空公司孤立起 

来 , 最终他们独自占据利润的大部分份额。这 

意味着航空公司最终得到的利润并不是很多 , 

而且他们还要投入更多资金来管理和协调他们 

在所购买的所有应用程序上面的交易。 

“ 航空公司本身很希望和客户直接交易 , 他们 

也愿意合作 , 所以如果你可以打造一个区块 

链平台来存储运营航空公司所需的所有相关信 

息 , 创建一个应用程序来充当航空公司之间的 

可靠代理商 , 你就可以阻止整个行业的 “ 双 

重检查 ”。 

航空公司可以彼此之间直接结算债务 , 减少冲 

突 , 同时省去了中间人 , 这样可以在很多方 

面降低成本。例如 , 货运公司可以通过一个非 

常可靠的网络跟踪包裹 , 而消费者可以在该网 

络上看到经过验证的、有保障的且不能被篡改 

的信息 , 因为这些信息是不可变更的 , 同时 

有时间戳。 

我们目前进行的部分工作是打造一个最终归社 

区拥有的区块链平台 , 由社区共同控制 , 并为 

社区服务 , 我们认为这是其中的一个重要组成 

部分。中间商以资本家的本性参与进来就会导 

致其成为一个只顾自己盈利的平台 , 而航空公 

司本身却得不到他们应得的利益。 

通过区块链技术 , 你的中间商只是一个区块链 

平台 , 它没有 CEO, 也没有员工 , 而是一个自 

动运行的区块链平台。它将利用该行业创建的 

智能合约为该行业谋福利。执行或共享价值的 

协议将允许价值实时变动 , 而无须在全球拥有 

多个账户和外汇货币 , 因此区块链也可以简化 

这方面的关系。” 布伦丹说。 

“ 我们目前进行的部 

分工作是打造一个 

最终归社区拥有的 

区块链平台 , 由社 

区共同控制 , 并为 

社区服务 ” 

大卫认为 ,“ 涉及的范围太广了。”“ 虽然这 

些年来 , 一些企业已经变得高效 , 但在航空领 

域 , 企业的流程并没有改变 , 所以他们在不断 

地浪费一些本不应该花费的钱 , 三个人做同一 

份简单的工作 , 然后你就得付三份工资。我们 

要做的不是改变世界 , 而是改变他们开展业务 

的方式。那就是将业务流程最后的部分 , 也是 

成本最高的部分转移到区块链平台上 , 在这种 

运营模式下 , 他们的成本会降低很多 , 从而也 

可以增加原本微薄的利润。” 

取之于民 , 用之于民 

正如大卫解释的那样 , 他们正在建立一个社 

区 , 而 ID3 思维流程就是创造这种动力的关键 

所在。在这种模式下 , 就不会出现太多人做同 

一份工作的情况。通过让至少三个不同的同行 

给出他们的输入信息 , 您可以避免带有个人色 

彩的软件。ID3 算法可以使得需求正确地组合 

在一起 , 创建出可以覆盖行业内所有其他利益 

相关者需求的东西。三方中的任意一方创建了 

一个项目 , 都必须签约一个最少使用年限。这 

意味着我们甚至可以在项目开始之前展示投资 

回报率 , 让项目投资者对他们的投资回报预先 

有一个实际的了解。 


“Once that application goes onto the blockchain, it 

doesn’t matter who invested in it or built it, they all get 

their fair share back. The idea is three will get together 

and create an application on the blockchain which all 

the other airlines can rent. Instead of paying to build it 

again, they just use that existing application and pay a 

transaction fee going forward. The process can then be 

repeated with different groups, creating a blockchain for 

all. That’s how we create a community.” 

Aeroband doesn’t just run on any old blockchain however, 

through a partnership with Holochain they have avoided 

the limitations of a classical blockchain – such as low 

transaction rates. “When dealing with the aviation 

industry you’ve got to deal with very high transaction 

volumes and real time processing. Classical blockchain 

was not an option for us, and we didn’t have time to wait 

for someone to work out a way to make it catch up. 

“Holochain sets out not to replicate the classical 

blockchain but uses a distributed hashtable, so rather 

than having a full copy of the entire ledger on every 

single node, it shards and distributes the ledger across 

the entire network- so the network is not delayed by 

huge amounts of consensus or laboured by updates. 

We’re very happy with our choice and we believe we’ve 

chosen the right distributed ledger. As the network 

grows the efficiencies get better, the performance 

more robust – all the things that are important to us. 

“ The idea is the blockchain 

should be irrelevant - it 

does a job and it does it 

well, letting you focus on 

the business ” 

“At the moment we’re running a proof of concept in 

house with Holochain on a controlled closed network, 

and we are overjoyed at the results. 50,000 transactions 

a second out of the box is exemplary against any 

yardstick you wish to measure it against. We believe we 

have ticked the boxes and are confident we will have the 

most secure and fastest Aviation Industry Blockchain in 

the world bar none on our launch.” 

Besides the AEROBLOC, Aeroband has another arm 

to its operations – AeroLabs, which is an incubation 

software development house and testing centre. 

AeroLabs is the working space where either new apps 

are built or ones that are being converted are tested 

before they go live on the AEROBLOC. 

YOU’RE LAUNCHING AT OUR SUMMIT IN NOVEMBER... 

“When I was there, there was a good buzz in the air. There 

were a lot of services around with a well thought out road 

map for start-up companies. I thought the legislation 



was excellent; indeed the Oxford University 

blockchain course I attended lists Malta as 

the leading legislation in the world which 

made it even more attractive to me. David 

also lives here, so it was an easy decision to 

make Malta the spiritual home for Aeroband, 

and when David mentioned the actual 

conference and the content I was pretty 

excited about it,” says Brendan. 

David also emphasises that when it came 

to picking an event to work with there was 

no comparison. ” I know the management 

of AIBC personally, so I know what comes 

with it. With AIBC Summit it’s not just about 

putting a stand together; the company 

makes the effort to introduce us to people in 

the industry. It’s a good all round package, 

which is what you need in the industry we’re 

in. We are Aviation guys, so need all the help 

we can get in being introduced to the right 

players in the blockchain spare. We want to 

invite any companies who feel they’ve got 

some input or interest in working with us to 

let us know so we can marry them with the 

right projects.” 

WE DON’T TALK ABOUT THE 

BLOCKCHAIN 

“The idea is the blockchain should be 

irrelevant - it does a job and it does it well, 

letting you focus on the business. What’s 

the business outcome you’re going to 

bring? It might involve blockchain to get to 

the outcome but we don’t talk about the 

blockchain. We buttress that underneath 

the solution by giving that value, that’s 

what we bring to the table. The airline or 

the airport doesn’t need to be frightened 

by the new technology and the lack of 

knowledge – we bring that and just focus 

on the business outcome. 

“We’ve seen the stress on the airlines 

to improve productivity and costs - at 

the same time they’re charged with 

transforming the user experience from 

a very old staid demure model which is 

very rigid to an agile easy moving model. 

Blockchain makes life easy for everyone.” 

“ 一旦该应用程序入驻了区块链平台 , 它是 

由谁投资或者开发的就不重要了 , 他们都会 

得到公平的回报。当三方聚在一起 , 在区块 

链平台上创建一个应用程序 , 所有其他航空 

公司都可以租用。他们无需再花钱来重新创 

建一个程序 , 只需使用那个现有的程序 , 支 

付一定的交易手续费就行。这个过程可以由 

不同的参与者重复进行 , 最终创造一个属于 

所有人的区块链平台。这就是我们创造社区 

的方式。” 

然而 ,Aeroband 并不只是在一个传统的区块 

链平台上运行。通过与 Holochain 的合作 , 他 

们避免了传统区块链平台的限制 , 例如低交 

易率。“ 在与航空业打交道时 , 你要处理非 

常大的交易量 , 而且要实时处理。传统的区 

块链并不适用于我们 , 我们没时间等待对方 

跟上。 

“Holochain 不是复制传统区块链 , 而是使用 

分布式哈希表 , 因此它不是在每个节点上都 

拥有整个分类帐的完整副本 , 而是在整个网 

络中对分类账进行分片和分发 , 因此网络不 

会因为大量的共识而延迟或因为更新而加重 

负荷。我们对这个选择非常满意 , 我们相信 

我们选择了正确的分布式账本。随着网络的 

发展 , 效率会越来越高 , 性能也会越来越强 

大。所有这些对我们来说都很重要。“ 目前 

我们正在 Holochain 内部一个受控的封闭网络 

上运行一个概念验证 , 我们对结果感到非常 

满意。一秒钟达到了 50,000 的交易量 , 这个 

交易量在任何尺度下都算得上是典范。我们 

相信我们已经达到了这个标准 , 我们有信心 

在发布时达到世界上最安全、最快速的航空 

工业区块链 , 无人可及。” 

除了 AEROBLOC,Aeroband 还有另一个部 

门 ——AeroLabs, 这是一个软件开发孵化器和 

测试中心。AeroLabs 是一个工作空间 , 无论 

是新创建的应用程序或正在转换的应用程序在 

AEROBLOC 上线之前都要在这里进行测试。 

您将于 11 月在我们的峰会上发布 …… 

布伦丹说 ,“ 当我在那里时 , 人们都很兴 

奋 , 氛围非常好。那里有很多服务 , 还为初 

创公司提供了周到的路线图。我认为马耳他 

的这项立法很好。确实 , 我参加的牛津大学 

区块链课程也将马耳他列为了世界领先立法 

国家 , 这使得它更加吸引我。同时 , 大卫也 

住在这里 , 所以我们很快就决定让马耳他成 

为 Aeroband 的精神家园 , 当大卫提到具体的 

会议和内容时 , 我非常兴奋。” 

“ 我们认为区块链 

应该是与商业成果 

无关的。它完成它 

的工作 , 做得很出 

色 , 让你可以专注 

于业务 ” 

大卫还强调 , 当要选择一个与之合作的活动 

时 , 马耳他人工智能和区块链峰会 (AIBC) 

是不二之选。” 我个人了解这个峰会的管 

理 , 所以我知道它能带来什么。在人工智 

能和区块链峰会上 , 我们不只是站在一起 , 

还要努力让业内人士了解我们。这是一个很 

好的全方位包装 , 也是我们处在这个行业所 

需要的。我们是航空人 , 因此需要获取所有 

可获得的帮助 , 让区块链领域的专家了解我 

们。我们想请所有有兴趣与我们合作的公司 

联系我们 , 以便我们可以为他们找到合适的 

项目。” 

我们不讨论区块链 

“ 我们认为区块链应该是与商业成果无关 

的。它完成它的工作 , 做得很出色 , 让你可 

以专注于业务。你将带来什么样的商业成 

果 ? 获得成果可能会涉及到区块链 , 但我们 

不讨论区块链。我们为解决方案之下的技术 

提供支持 , 这就是我们带来的成果。航空公 

司或机场不需要因为新技术和缺乏技术知识 

而被吓倒。我们将提供相关的技术和知识 , 

你们只需要专注于业务成果。 

我们已经看到了航空公司在提高生产力和改 

善成本方面所面临的压力。与此同时 , 他们 

还负责将用户体验从一个非常老式死板的模 

式转变为简捷方便可移动的模式。区块链让 

每个人的生活都变得轻松。” 


TRUSTING 

IN TECH 

相信技术 



BY OLIVER DE BONO, COO FOR SIGMA GROUP 

BLOCKCHAIN TECHNOLOGY HAS BEEN HOVERING 

ON THE EDGE OF THE TECH SPHERE FOR A 

NUMBER OF YEARS, BUT IT’S THE TEMPERAMENTAL 

CRYPTOCURRENCY, BITCOIN, THAT HAS GARNERED 

MOST OF THE LIMELIGHT. CRYPTOCURRENCIES ARE 

OFTEN SO INEXTRICABLY LINKED TO BLOCKCHAIN 

THAT FOR MANY IT CAN BE HARD TO TELL WHERE 

ONE ENDS AND THE OTHER BEGINS. 

PUT SIMPLY: BITCOIN IS A BLOCKCHAIN AND NOT 

THE BLOCKCHAIN. 

区块链技术已经在科技领域边缘徘徊多 

年 , 但其中最吸睛的仍是瞬息万变的加密 

货币比特币。加密货币往往与区块链有着 

千丝万缕的联系 , 以至于我们很多人都说 

不清他们之间的关系。 

简而言之 : 比特币是区块链的一种 , 但不 

完全等同于区块链。 

CRYPTO FOR GOOD 

Despite their polarising nature 

and a reputation for volatility, 

cryptocurrencies can be a force 

for good. You might be forgiven for 

thinking otherwise, especially after 

tech giant facebook’s much maligned 

foray into stablecoins, Venezuela’s 

attempt to circumvent economic 

sanctions, and other drama that seeks 

to exploit the very qualities that make 

them so appealing, such as ease of 

transfer and pseudonymity. 

Our partnership with Grammy-awardwinning 

rapper and crypto-enthusiast 

Akon is a good illustration of their 

potential to bring positive change 

directly to the individual. While this 

industry still faces some serious 

challenges, it is undeniable that 

qualities such as transparency and 

accessibility (especially to the underbanked 

and unbanked populations), 

can lift the lives of some of the most 

vulnerable communities. 

The Akoin ecosystem seeks to unlock 

and regenerate Africa’s fledgling 

economy by introducing a trusted 

cryptocurrency, bringing revenuegenerating 

opportunities that support 

and empower a new generation 

of entrepreneurs and innovators 

by elevating them out of a cash 

only environment. The potential to 

stimulate growth and provide for 

economic stability in this emerging 

continent is huge. 

We’re also addressing social impact 

challenges on a local level. As part of 

our commitment to support the great 

strides this country is making as the 

Blockchain Island, we’re teaming up 

with environmental NGO Zibel, and 

Bounties Network – a crypto-based 

reward network which has the power 

to generate and ignite action on a huge 

scale. Their pilot project, which trialled in 

the Philippines, shows how good causes 

can also provide alternative incomes to 

economies struggling to eke out a living 

from decaying traditional industries. 

加密是好事 

虽然加密货币具有两极分化的特点 , 且以波动性大著 

称 , 但它可以成为一股有利的力量。您可能会持不同 

观点 , 不过也能理解 , 尤其是在发生了诸如科技巨头 

Facebook 大肆进军 StableCoins 和委内瑞拉尝试借加密 

货币规避经济制裁等一系列大事件之后 , 这些事件无不 

是利用了加密货币的一些最独有的特征 ( 如转账、匿名 

方便等 )。 

我们与格莱美奖得主 , 说唱歌手 , 加密爱好者 Akon 合 

作。该合作就很好地说明了加密技术的潜力 , 它可以直 

接给个人带来积极的改变。尽管这一行业仍面临一些严 

峻挑战 , 但不可否认的是 , 它的一些特质 , 如透明性和 

无障碍性 ( 尤其是对无银行存款或存款不足的人而言 ) 

可以让一些最弱势群体的生活得到改善。 

Akoin 这种生态系统会引入一种可信赖的加密货币 , 并 

对新生代企业家和创业者提供支持和授权 , 让他们跳出 

现金交易的禁锢 , 获得更多创收机会。这将助力开启和 

复兴非洲的新生代经济。这一新事物对刺激经济增长和 

维持经济稳定的潜力是巨大的。 

我们还要应对各种区域性社会影响所带来的挑战。我们 

支持这个国家作为 “ 区块链之岛 ” 所取得的巨大进步 , 

作为承诺的一部分 , 我们正在与非政府环境组织 Zibel 和 

Bounties Network 合作 , 后者是一个基于加密系统的供 

需服务网 , 其用户群十分庞大。他们在菲律宾的试点项 

目表明 , 好的利用还可以帮助那些落后的、濒临淘汰的 

传统行业的从业者 , 为他们带来新的收入来源。 


BUIDL THE FUTURE 

Blockchain technology often feels new, and that’s perhaps 

because its many use-cases are only now starting to become 

apparent. From KYC to AML, blockchain can be deployed 

to solve a number of issues. Businesses in the blockchain 

space are profiting from lessons learnt by the traditional 

financial services and building financial crime compliance and 

protection into their systems. Block tech can cut the costs of 

compliance by facilitating and validating transactions in an 

expedited manner and reducing duplication of compliance 

between financial institutions. 

And as governments invest more into research and innovation, 

it’s easier to see how comfortably it slips into everyday life and 

business – and for some it can be crucial to their survival. 

Storing records on a ledger through projects like Building Blocks 

can return legal identities to document-poor individuals, helping 

them prove their qualifications, relationships and other assets. 

Running off a private version of Ethereum, the project also 

allows refugees to pay for food using biometric authentication. 

Take the organic food industry - a health and environmentally 

conscious generation has embraced a philosophy that 

embodies clean living, but with a high level of mislabelling and 

a thriving black market, it is understandable that consumers 

have grown wary of the products they buy. 

“ The potential to stimulate 

growth and provide for 

economic stability is huge ” 

This is where blockchain technology really comes into 

its element; an ability to track the life cycle of a product, 

literally from seed-to-sale, makes it an invaluable tool for a 

marketplace desperate for transparency and quality assurance. 

That being said, there is no system in place yet to analyse the 

great quantities of data blockchain brings in – and because the 

truth of the data isn’t evaluated, the benefits of supply chain 

technology remain limited. The synergy between blockchain 

and other technologies, such as AI and IOT is crucial here if we 

are to make the most of what block tech has to offer. 

The government of Malta is also introducing a proactive 

approach to emerging technologies, through initiatives like 

reformed rent laws, which will require the registry of rents on 

the blockchain, and entities such as Tech MT which promote 

innovation in the tech industry. 

We’ll be hashing out these ideas and more at the AIBC Summit 

in November, join us then and make your voice a part of the 

wider conversation. 

构建未来 

人们总觉得区块链技术是新事物 , 可能是因为它的很多运用才刚开 

始出现。从 KYC 到 AML, 区块链可以用来解决许多问题。区块链领 

域的企业正在从传统金融服务的经验教训中学习 , 它们把金融犯罪 

合规及保护纳入了其体系之中。区块链技术可以快速促成和验证交 

易 , 并减少金融机构之间用于管理合规性的重复性工作 , 降低合规 

性管理的成本。 

随着政府加大对研究和创新的投入 , 人们更容易看到它是如何平稳 

地融合进人们的日常生活和商业活动中 —— 对有些人来说 , 这甚至 

将对他们的生存起到决定性作用。 

通过诸如构建区块 (Building Blocks) 等项目将记录存储在分类账 

上 , 可将合法身份返还给那些缺乏档案的个人 , 帮助他们证明自己 

的资质、关系、资产等。该项目运行了一个私用版的以太坊 , 通过 

该项目 , 难民们还可以使用生物认证来购买食物。 

以有机食品行业为例 —— 拥有健康和环保意识的一代人讲究生活的 

洁净化 , 但由于标签滥贴现象严重 , 加之黑市猖獗 , 显而易见 , 消 

费者购物时变得越来越谨慎了。 

“ 这一新事物对刺激经济增长和 

维持经济稳定的潜力是巨大的 ” 

这正是区块链技术真正发挥作用的地方 ; 能够追踪产品生命周期 , 

包括从种子到成品销售的详细过程。市场迫切需要透明度和质量保 

证 , 而区块链技术则成为了最为可靠的工具。不过话虽如此 , 但目 

前尚无系统可分析区块链所带来的大量数据 , 且数据的真实性也许 

需要评估 , 所以就供应链方面而言 , 能享受到的好处仍然很有限。 

如果要充分利用区块链技术的功能 , 至关重要的一点则是需要寻求 

区块链与人工智能、物联网等其他技术之间的协同效应。 

马耳他政府还通过改革租赁法等举措对新兴技术采取了积极主动的 

做法。改革后的租赁法将要求在区块链上对租赁进行登记。同时 , 

他们还引入了 Tech MT 基金等实体促进科技行业的创新。 

我们将在 11 月的 AIBC 峰会上详细讨论这些想法 , 请届时参与 , 让您 

的声音被更多人听到。 


crypto winter is over, long live blockchain island !

BROUGHT TO YOU BY 

CORPORATE COMICS 

MALTA 

BLOCKCHAIN 

SUMMIT 

thank you 

for reading 

our malta 

aibc summit 

edition. 

to see more 

content 

please go 

to; 

t.me/corporatecomics 

BROUGHT TO YOU BY CORPORATE COMICS

LEADING THE PACK 

把握先机 

BY SOPHIE CROUZET, 

SIGMA GROUP EVENT DIRECTOR 



AS MALTA CONSOLIDATES ITS POSITION 

AS THE BLOCKCHAIN ISLAND, THE 

CONTRIBUTIONS OF THE MALTA AIBC 

SUMMIT TO BUSINESS AND EMERGING 

TECHNOLOGY BECOME EVER MORE 

IMPORTANT. WE ARE WORKING TOWARDS 

DEVELOPING AND STEERING THESE 

CONVERSATIONS BY OFFERING EXPERTS 

ON DEEP TECH, ENTREPRENEURS, YOUNG 

MINDS AND ACADEMICS A PLATFORM 

WHERE THEY CAN SHARE THEIR 

KNOWLEDGE ON A GLOBAL STAGE. 

随着马耳他作为 “ 区块链之岛 ” 的重 

要地位进一步加强 , 马耳他 AIBS 峰 

会对商业和新兴技术的影响也变得越 

发重要。我们正致力于为深度技术专 

家、企业家、年轻人和学者提供一个 

平台 , 创造和引导交流机会 , 让他们 

得以在全球舞台上进行知识分享。 

Indeed, technology is moving faster than ever before – and so 

we are moving with it. Two main Summits in Malta in 2019 , 

several road shows internationally (New York, Tel Aviv, Tanzania 

etc..), our Manila Summit announced for June 7/8th 2020 - the 

coming months are set to be years of exceptional achievement and 

progress for the AIBC Summit. 

Earlier this year, the Spring edition of the summit aimed to be a 

stepping stone for the next big show – and it turned out to be a 

massive success despite a seemingly fragile market which could 

have gone either way. We decided to swim against the tide and 

focus on moving beyond the hype, while also helping to build real 

world value in this exciting new space. Clearly, stakeholders in both 

blockchain and deep tech agreed with us as they exchanged ideas 

and discussed opportunities with nearly 6,000 attendees. 

Similarly, the Winter edition of the AIBC summit is setting itself up 

to be very promising, with industry thought leaders like Anthony 

Pompliano, Akon, Yorick Wilks, Bobby Lee and a plethora of equally 

worthy minds set to grace the stage this fall. The base formula 

remains the same: quality content focusing on emerging technology, 

opportunities and challenges coupled with a buzzing expo floor 

interspersed with lavish and casual networking events to facilitate 

business in and around these spheres. 

Naturally, it goes without saying that the Maltese government is 

working around the clock to reaffirm its commitment to becoming 

the Blockchain Island and the deep tech hub in Europe as it launches 

several digitally innovative projects to lead the development 

highway. To name a couple of examples, the government’s initiatives 

to put both educational certificates and Malta-registered property 

on the blockchain, as well as the government’s efforts to support 

business and cyber security via the Malta AI task force speak to 

Malta’s determination to continue to lead the way. 

确实 , 科技的发展速度日益加快 , 因此我们也必须与 

时俱进。2019 年在马耳他举行了两次重要峰会 , 开展 

了数次国际性的路演 ( 纽约、特拉维夫、坦桑尼亚等 

地 ), 我们的马尼拉峰会也将于 2020 年 6 月 7 日至 8 日举 

行 —— 接下来的几个月将是 AIBC 峰会多年来取得的非 

凡成就和进步的体现。 

今年早些时候的春季峰会原本只是作为此后某个大型峰 

会的预热 , 最终却取得了巨大成功 , 尽管市场看似还很 

脆弱 , 有走衰的可能。但我们决定逆水行舟 , 把眼光从 

炒作上挪开 , 从而致力于帮这个令人兴奋的新领域建立 

起现实世界的价值观。会中 , 近 6000 名与会者交换了 

意见并探讨了合作机会 , 这些区块链和深科技的利益相 

关者们的观点明显与我一致。 

同样 ,AIBC 的冬季峰会也将会非常有意义 , 像 Anthony 

Pompliano,Akon,Yorick Wilks,Bobby Lee 等行业思 

想的代表人物以及众多志趣相投的人士将在今年秋季为 

这个舞台增光添彩。基本模式保持不变 : 保证内容的高 

质量 , 专注讨论新兴技术 , 及面临的机遇和挑战 , 加上 

热闹的世博会会场穿插着各种高端和休闲的社交活动 , 

将会促进这些领域及其周边业务的发展。 

当然 , 马耳他政府也在马不停蹄地进行相应的努力 , 以 

再次宣告其成为欧洲的 “ 区块链之岛 ” 和深科技中心的 

决心 , 并通过推出多个数字创新项目来把握这条发展道 

路的先机。举几个例子 , 马耳他政府推出举措 , 将教育 

证书和本地登记的财产都放在区块链上 , 还有通过马耳 

他人工智能工作委员会支持商业和网络安全 , 这些都表 

明了马耳他将坚持在这条道路上走在前列的决心。 




Embedded within these initiatives is the steadfast idea to 

be the first to regulate and push compelling innovation to 

the forefront of these diverse industries. Our drill-down 

“ We decided to 

swim against the 

tide and focus on 

moving beyond the 

hype, while also 

helping to build real 

world value in this 

exciting new space “ 

content will be covered 

via our workshops, which 

among other things 

will focus on quantum 

technology, cyber security, 

AI & BC for education as 

well as healthcare. The 

idea is to build a space for 

academia, business and 

entrepreneurial minds to 

flourish and intermingle 

as we work to close the 

knowledge gap between all 

three sectors. 

On the flip side, the main-stage is set to feature highlevel 

content and ground-breaking ideas which reflect 

the reality on the international stage as we shine a 

light on the latest news, trends and disruptive tech like 

decentralised governance, digital identity, blockchain in 

the space industry, web 3.0, edge computing and so forth. 

Deep tech and innovation requires significant 

investment and has a major economic and social impact. 

This global approach is set to be echoed at the summit 

as investors and VC’s from Asia and the US save the 

dates for the Malta AIBC summit Winter edition. Both 

our networking events and content strategy reflect this 

move in a bid to jumpstart our already highly popular 

start-up initiatives, where we push the entrepreneurial 

ecosystem by offering 100 innovative start-ups a free 

exhibitor’s booth at the summit. 

All the while, we’re also working on the Manila AIBC 

summit of next year, where we translate our expectations 

of continued growth in the Asian market into action. 

Blockchain, artificial intelligence, medical technology, 

as well as venture capital building will be a big focus, 

complimenting developments in the Asian landscape. 

This multinational approach speaks to the size and scope 

of the summit and the government’s perspective, both of 

which have demonstrated their commitment to pushing 

the envelope and leading the pack time and again. 

Indeed, the future is bright, and we’re more than happy 

to light the way. 

“ 我们决定逆水行舟 , 把眼光 

从炒作上挪开 , 从而致力于 

帮这个令人兴奋的新领域建 

立起现实世界的价值观 ” 

这些举措都拥护同一个坚定的理念 , 即要率先规范并推动颠覆 

性创新 , 成为这诸多产业的排头兵。我们还将有研讨会 , 用于 

探讨那些需要深入挖掘的内容 , 例如量子技术、网络安全 , 以 

及用于教育和医疗的人工智能和区块链。我们的想法就是要为 

学术界、商业界和企业界建立一个繁荣且融合的空间 , 尽量缩 

短这三个群体之间的知识差距。 

另一方面 , 会议的大部分将以高水平的内容和突破性的理念为 

特色 , 这些内容和理念反映了国际舞台上的实时情况 , 因为我 

们将关注最新的新闻、趋势以及最前沿的技术 , 如去中心化治 

理、数字身份、太空产业的区块链、Web3.0、边缘计算等等。 

深科技和创新需要大量投资 , 并将产生重大的经济和社会影响。 

亚洲和美国的投资者和风投人士都将在马耳他 AIBC 峰会如约而 

至 , 届时他们将就这一全球性议题在峰会上作出回应。我们也在 

策划的社交活动和峰会中反映了相对应的举措 , 届时将启动我们 

早已非常火热的创业计划 , 我们将在峰会上为 100 家创新型初创 

企业提供免费的参展商展位 , 借此助力推动创业生态系统。 

同时 , 我们也在为明年的马尼拉 AIBC 峰会而努力 , 届时对亚洲 

市场持续发展的期望将转变为现实。区块链、人工智能、医疗 

技术、风险投资建设将是亚洲发展的一大亮点。 

这种跨国参与的形式说明了峰会的规模和范围 , 以及政府的立 

场 , 这两个方面都表明 , 他们在极力推动这一领域且又一次把 

握住了先机。的确 , 未来是光明的 , 我们非常乐意为这条道路 

奉献亮光。 


TECHNOLOGY AND THE 

CONVERGING DIGITAL WORLD 

技术和融合的数字世界 

IAN GAUCI IS THE MANAGING PARTNER AT GTG ADVOCATES, AFILEXION 

ALLIANCE & CALEDO GROUP. HE LECTURES ON LEGAL FUTURES AND 

TECHNOLOGY AT THE UNIVERSITY OF MALTA. HERE HE WRITES ABOUT THE KEY 

ROLES EMERGING TECHNOLOGIES ARE EXPECTED TO PLAY IN A FAST-TURNING 

DIGITAL WORLD AND THE VITAL INTERPLAY NECESSARY FOR THEIR SUCCESS. 

Ian Gauci 是 GTG Advocates、Afilexion Alliance 和 Caledo Group 的管理合伙人。他 

在马耳他大学讲授法律的未来和技术。在本文中 , 他介绍了新兴技术在快速变化的 

数字世界中所扮演的关键角色 , 以及这些技术为了取得成功的必要关键相互影响。 

With the Fourth Industrial Revolution now upon us, 

we are living in a new digital world which according 

to Thomas Friedman has; (a) integrated circuits on 

microchips, (b) memory units to store information, (c) networks 

that help to enhance communication, (d) software applications 

that provide a direct link to consumers’ needs, and (e) sensor 

capacity that allows artificial intelligence to analyse most things 

which were previously only accessible to the human mind. 

This revolution is the result of ‘technological convergence’, 

which can be described as the concept of merging, blending, 

integrating and transforming independent and previously 

unrelated technologies such as the Internet of Things (IoT), Big 

Data, robotics, Artificial Intelligence (AI), blockchain and Virtual 

Reality (VR). Joined together, a completely new technology 

is created, integrating the physical, digital and virtual worlds. 

Converged technologies possess three characteristics; multiple 

functions, data collection and use, and ubiquitous access. The 

IoT is a common example of technological convergence. 

Emerging technologies, particularly AI, blockchain and the 

IoT are expected to play key roles. However, such interplay of 

technologies will rely on another important component, being, big 

data. Data is the lifeblood of any business, and those that leverage 

its use will have a competitive edge over their competitors. 

With the amount of digital data available in the world growing 

exponentially, we are witnessing the growth of a new digital world. 

Today’s world is full of all kinds of sensors such as cameras and 

IoT sensors that collect and transfer all sorts of data to the digital 

world. Moreover, the digital world provides ways for this data to be 

accessed and then utilised in the analog world. VR takes things to 

the next level, allowing us to actually step into this digital world, 

interact with it as well as learn from it. 



随着第四次工业革命的到来 , 我们生 

活在一个全新的数字世界中。Thomas 

Friedman 认为这个世界的特征是 :(a) 

微芯片上的集成电路 ,(b) 存储信息的 

存储单元 ,(c) 加强沟通的网络 ,(d) 直 

接关联至消费者需求的软件应用 , 以及 

(e) 传感器功能 , 允许人工智能分析以 

前只有人脑可以分析的大多数事物。 

这场革命是 “ 技术融合 ” 的产物 , 也就 

是合并、混合、集成和转换之前不相关 

的独立技术 , 如物联网 (IoT)、大数 

据、机器人、人工智能 (AI)、区块链 

和虚拟现实 (VR)。它们共同组成了 

一种全新的技术 , 将实体、数字和虚拟 

世界整合在一起。融合技术有三大特 

点 : 多重功能、数据收集和使用 , 以及 

无所不在的访问。物联网是技术融合的 

常见例子。 

新兴技术 , 尤其是人工智能、区块链 

和物联网 , 有望发挥关键作用。但技 

术的这种相互作用离不开另一个重要元 

素 , 即大数据。数据是任何企业的生命 

线 , 能够利用数据的企业将比对手更有 

竞争优势。 

随着全球数字数据量呈指数增长 , 我们 

正在见证新数字世界的快速发展。当今 

的世界布满了各种传感器 , 如摄像头和 

物联网传感器 , 它们收集各种数据并将 

其传输到数字世界。此外 , 数字世界提 

供了访问这些数据并在模拟世界中使用 

的方法。VR 将事物提升到了一个新的 

水平 , 让我们真正进入这个数字世界 , 

与之互动并从中学习。 


The ultimate technology breakthrough can 

be seen when we leverage the integration 

of IoT, AI, fog computing, machine learning 

blockchain and big data. For instance, 

consider an autonomous car. With distributed 

and increasingly cost-effective AI engines, 

the vehicle can make decisions based on the 

massive amounts of high integrity, immutable 

on-chain data that is processed by fog nodes. 

Such technology envisages the possibility 

of an autonomous car that can intelligently 

and safely navigate with little to no human 

intervention, a feat that would not be possible 

with traditional data analysis and traditional 

computer and networking solutions. 

Technological convergence is so far reaching 

that it would be hard to find a business or 

human activity that is not considered as a 

target for AI in future years and decades. 

Technological convergence may spark a 

number of issues. Amongst these, converged 

technology may pose challenges to defining 

regulatory policies, roles, and responsibilities. 

Determining oversight jurisdictions and 

regulatory authorities for converged 

technologies may become complicated as 

the boundaries that once separated singlefunction 

technologies are blended together. 

Interestingly, EU lawmakers foresaw the 

emergence of technological convergence 

from as early as 2002, demanding 

convergence-aware regulatory treatment 

of telecoms, broadcasting, and information 

society services. 

“ Regulation must adapt in 

order to avoid functional 

equivalence fallacies and 

inapplicable regulatory silos ” 

The fusion of the digital 

and physical worlds will 

undoubtedly bring about 

new risks, forcing us to 

redefine and change many 

of our laws and policies 

to mitigate such risks and 

foster the safe functioning 



of the new digital economy. Harmonisation between different 

nations and their laws will also be fundamental. 

In this converging new world, certain characteristics still have 

a ubiquitous scope. Firstly, certain software exists across a 

wide spectrum of devices, resulting in a modern society that 

largely relies on functions and features nascent from software 

across different sectors, and this in turn can be its Achilles 

heel. Secondly, whilst it is undeniable that technological 

transformation and innovation bring new features and 

functions nascent from merging technologies, the human 

brain and workmanship still underpin such functions and 

features. Moreover, even the end users of such technologies 

are ultimately human. Thus, even in such new converged 

technologies, any elements of ubiquitous software containing 

perennial security issues will ultimately impact humans as the 

end users. With such a dependence on the ubiquitous software 

elements, the regulatory focus should not focus exclusively on 

the new converged technologies, but also consider carefully the 

software used in sensitive cases, which effects human rights 

and which can affect the social fabric of our society. 

Regulation must adapt in order to avoid functional equivalence 

fallacies and inapplicable regulatory silos. To ensure 

technological transparency, coders and developers creating 

software falling in safety critical categories need to be warranted 

or licensed like other professionals in society. Software and its 

functions and features will also need to be audited with means to 

identify and rectify fault, tested and certified. It is also imperative 

that any input data used by software including big data is 

ascertained and trustworthy. The trust element in a converged 

digital world must start from here. 

当我们利用物联网、人工智能、雾计算、机器学习、区块链和大数 

据的集成时 , 最终的技术突破就会开始涌现。例如自动驾驶汽车。 

借助分布式且性价比越来越高的人工智能引擎 , 车辆可以根据雾节 

点处理的大量高完整性、不可变的链上数据做出决策。借助这种技 

术 , 自动驾驶汽车有望在几乎没有人为干预的情况下智能安全地进 

行导航 , 这是传统数据分析、传统计算机和网络解决方案无法实现 

的壮举。目前为止 , 技术融合的覆盖面非常广泛 , 很难找到未来几 

年和几十年无法被人工智能优化的企业或人类活动。 

技术融合可能引发许多问题。例如融合的技术可能对监管政策、角 

色和责任的定义构成挑战。确定融合技术的监管辖区和监管机构的 

过程可能会变得很复杂 , 因为将曾经单一功能技术分离的边界融合 

到了一起。有趣的是 , 欧盟立法者早在 2002 年就预见到了技术融合 

的出现 , 并要求对电信、广播和信息社会服务有意识地进行融合监 

管处理。 

数字世界和现实世界的融合无疑将带来新的风险 , 迫使我们重新定 

义和改变我们的许多法律和政策 , 以减轻这些风险并促使新数字经 

济安全运作。不同国家及其法律之间的协调也将是至关重要的。 

在这个融合的新世界中 , 某些特征仍是无处不在的。首先 , 某些软 

件得到广泛的采用 , 导致现代社会在很大程度上依赖于软件在不同 

“ 监管必须得到适当的调整 , 

以避免产生功能对等谬误或 

成为并不适用的监管孤岛 ” 

领域推出的新功能 , 而这反过来又可能是其致命弱点。其次 , 虽然 

不可否认技术转型和创新会促进融合技术孕育出各种新功能 , 但人 

类的头脑和工艺仍是这些功能的基础。而且 , 这些技术的终端用户 

仍是人类。因此 , 即使是在这些新的融合技术中 , 包含长期安全问 

题的通用软件中的任何元素最终都会影响作为终端用户的人类。由 

于对广泛应用的软件元素的依赖 , 监管重点不应仅仅关注新的融合 

技术 , 还应仔细考虑敏感情况中使用的软件 , 以免影响人权乃至整 

个社会的结构。 

监管必须得到适当的调整 , 以避免产生功能对等谬误或成为并不适用 

的监管孤岛。为确保技术透明度 , 应像对待其他社会专业人员一样 

对开发重要安全类别的软件的编码人员和开发人员提供担保或许可。 

还需要通过适当的手段审核、测试和认证软件及其功能 , 以识别和纠 

正错误。另外 , 软件使用的任何输入数据 ( 包括大数据 ) 必须是明确 

且可信的。做到这些 , 人们才能开始信任融合数字世界。 


Decentralized Culture Magazine 

Our aim is to create and broadcast 

the blockchain culture 

What is ÁGORA? 

ÁGORA is the flagship community and magazine in Spanish 

where to educate and discuss in relation to the 

improvements and challenges that the blockchain 

technologies offer on decentralization, liquid democracy, 

education, freedom, privacy and transparency taken from a 

positive social impact on the commons. 

How did it all begin? 

The project debuted in January 2018 with the first edition of 

the magazine along with the website and the Telegram groups 

and channels. On its first anniversary, the core team agreed 

to move forward and perform a full rebranding, including 

the name shortening from ÁgoraChain to ÁGORA, as well as 

propelling the partnerships and raising awareness among the 

Spanish speaking world population. 

Tell us about the ÁGORA magazine 

Rather than covering the news, the focus of the magazine, 

and hence its web blog, is placed on bringing insights and 

opening constructive debates around the challenges and 

proposals derived from these tools for financial freedom. The 

ÁGORA magazine is issued quarterly on digital support free for 

the community. Due to the growing demand, the magazine is 

also available on paper, both on meetups, shops and events, 

so as to further improve our audience reach, apart from the 

crypto niche. 

Which are the main goals? 

The AgoraChain association is a non-for-profit organization 

and its main objectives are to create and broadcast the 

blockchain culture and paradigm along with the disruptive 

technologies across several media resources. It aims to 

establish and promote good practices between the projects 

derived from the use of such technologies, with special 

interest on blockchain. 

Who is behind the project? 

Almost ten people are currently are highly involved in 

day-to-day work. All the workload of the association and the 

magazine is managed in an agile manner using several online 

tools and communication channels as we all live in different 

parts of Spain. On every new release we gather virtually to 

rejoice in good company and set up the procedures in order 

to keep improving. 

What are the future plans for ÁGORA? 

Latin America should have a clear and sound voice in the 

project. In that sense, we focus on strengthening the 

collaboration with their communities and learning from their 

huge potential. At the same time, we will keep spreading the 

word of blockchain between the wide Spanish-speaking 

community. Moreover, we will soon release a book about 

computer safety, published under the ÁGORA label, the first 

of many to come. 

agorachain.org

WHO’S WHO 

IN THE #AIBC 

ECOSYSTEM 


FLEXIBLE 

CRYPTO 

CREDIT TRANSFERS 


WHO’S WHO 

ROBERTO CIOFFI 

CBDO 

BRENDAN MCKITTRICK 

Founder 

The 8Pay protocol enables any private user or vendor, typically a 

merchant, to create a payment system whose parameters are clearly 

defined. An intuitive system ensures that merchants do not require any 

coding knowledge or familiarity with smart contracts to set up fixed, 

recurring and on-demand payments. 

www.8pay.network 

Aeroband seek to revolutionise the airline industry by improving 

revenues, reducing costs, and transforming customer experience. 

Leveraging the Holochain DLT they are building a unique blockchain 

called AEROBLOC, bringing transparency, efficiency and trust to aviation 

stakeholders and their customers. Through the use of innovative 

applications based on AEROBLOC airlines can reconnect directly with 

their industry peers and their customers, and retain revenues. 

TAL TEPERBERG 

Co-Founder 

MARK BERGER 

Regional Director 

Algoz, a Fingenom Group company, specialises in the development 

of trading algorithms and the deployment of such algorithms in 

cryptocurrency markets. Since 2016 Algoz has been providing 

various financial solutions such as market making, brokerage and 

OTC to numerous, including some of the top-funded, crypto projects 

and leading exchanges. 

www.algoz.io 

AlphaPoint is a white-label software company powering crypto 

exchanges worldwide. Through its secure, scalable, and customisable 

distributed ledger platform, AlphaPoint enables customers to launch 

and operate markets, as well as digitise assets. AlphaPoint and 

its award winning blockchain technology have helped institutions 

discover and execute their blockchain strategies since 2013. 

www.alphapoint.com 

DANIELE IZZO 

CEO 

MARK ATTARD 

CEO 

Amon.Tech is a multi-platform wallet that allows users to store, 

exchange, invest, spend, and lend traditional and digital assets 

assisted by our Artificial Intelligence system. We are creating a 

bridge between traditional and digital currencies. 

www.amon.tech 

Forming part of BDO’s Global Network, BDO Malta is an endto-end 

corporate services & business advisory firm assisting 

companies in accelerating growth through exceptional client 

service. BDO is the first licensed Systems Auditor & VFA Agent. 

www.bdo.com.mt 

GEORGE ZARYA 

CEO 

PAUL BAO 

CEO 

BEQUANT is a leading cryptocurrency exchange based in London 

and Malta. Created by outstanding technical minds, experienced 

finance professionals and traders, BEQUANT specialises in servicing 

institutional investors and professional traders. Other services 

include prime brokerage, margin trading, crypto loans, OTC block 

trading, custodial services and co-location services. 

BitCherry is the first distributed e-commerce network in the 

world, committed to empowering the traditional retail service 

industry through blockchain technology, and creating a new 

shared e-commerce super ecosystem. 

www.bitcherry.io 

www.bequant.pro 


WHO’S WHO 

MEGAN LI 

CEO 

EDWARD LI 

CMO 

BitDesk is a blockchain integrated marketing and consulting 

firm. With a diverse background in blockchain, PR and marketing, 

finance and technology, our team creates specialised marketing 

strategies for clients to accelerate their global expansion. Our 

services include: Global market expansion and localization, 

media relations, global events, roadshow and meet-ups, 

community management and KOLs. 

BitTok is a global new digital asset management platform. Its core 

functions are storage, transaction and asset appreciation. It is an 

indispensable digital asset “smart housekeeper” for individual and 

institutional investors. 

www.bittok.io 

www.bitdesk.sg 

CHRISTIAN PLATZER 

Co-Founder & Managing Partner 

JONATHAN GALEA 

Managing Director 

Tokenisation as a Service®: Black Manta Capital Partners® are 

a one-stop-agency for all technical, financial, and legal aspects 

of Tokenisation. We are a multi-STO platform, licenced by BaFin, 

in Germany. 

www.blackmanta.capital 

Blockchain Advisory Limited is one of the very few Maltese 

advisory firms which has actively worked on past and present 

ICOs, STOs, exchanges, and crypto-funds. Its Managing Director, 

Jonathan Galea, and Partner, Anton Dalli, have been active in 

the field of blockchain and cryptocurrencies for more than ten 

years collectively. 

www.bca.com.mt 

JEVGENIJS PODBREZSKIS 

Founder & CEO 

DR. IAN GAUCI 

Managing Partner 

BTCBIT is a reliable and convenient cryptocurrency exchange 

service provider and payment processor that delivers services 

in more than 220 destinations. The company has an impeccable 

reputation for striving for the pursuit of high ethical standards 

and quality of services to its customers the world over. 

www.btcbit.net 

Caledo houses advocates, academics, technologists, policy 

and regulatory experts, economists, and security and fintech 

specialists, to provide its clients with an exceptional one-stopshop 

environment. In a world where developments in technology 

are constantly pushing the boundaries of laws and society, we 

believe that an interdisciplinary expertise is the lynchpin for 

innovation in our industry. 

www.caledogroup.com 

RAUL L. LAMBINO 

Administrator and Chief Executive Officer 

BEATRICE COLLECT 


The Cagayan Economic Zone Authority (CEZA) is a government-owned and 

controlled corporation tasked to manage and supervise the development 

of the Cagayan Special Economic Zone and Freeport (CSEZFP) attracting 

legitimate and productive local and foreign investments and creating 

employment opportunities. As an economic zone, it also aims to develop 

the whole area into a self-sustaining industrial, commercial investment, 

financial and tourism-recreational centre. 

Chiliz is a digital currency for sports and entertainment 

platforms. It fuels the world’s first scalable, tokenised voting 

platform, Socios.com where fans can buy, trade, and execute 

voting rights in their favourite sports teams. 

www.chiliz.com 

www.ceza.gov.ph 


WHO’S WHO 

LUKE OZIMSKI 

CEO & Co-founder 

BOB RAS 

CEO 

CoinCasso is a democratic cryptocurrency, fully licensed, 

located in the European Union company. Our vision is to create 

the most efficient solutions for exchange service and trade 

platform, connected to the network of ATMs for users. As the 

first on the market, we give financial benefits to active members. 

www.coincasso.com 

CoinField’s mission is to harness mass adoption of the 

cryptocurrency ecosystem by enabling people globally to have 

access to the crypto markets in a compliant, efficient, and 

secure manner. Our products include a professional trading 

platform, app, white label Exchange solutions and OTC desk for 

both individual and institutional entities. 

www.coinfield.com 

MAX KRUPYSHEV 

CEO 

MEGHAN GARDLER 

Director of Marketing 

CoinsPaid has been providing cryptocurrency payment services 

for businesses since 2014. CoinsPaid’s goal is to create the 

perfect processing ecosystem for businesses and an easy-to-use 

cryptocurrency wallet for users with an emphasis on security, 

reliability, and transaction speed. 

www.coinspaid.com 

The trusted crypto banking platform to the world’s leading 

wallets, exchanges, and retail partners. Cred has one of the 

most comprehensive insurance policies available on the market, 

including cyber hacking, E&O and regulatory coverage. The 

company is one of the fastest growing lending eco systems in 

the crypto community. 

www.mycred.io 

CRYPTOLAW 

PARTNERS 

GORDON EINSTEIN 

Founding Partner 

MIHKAIL KVASNIKOV 

CEO 

CryptoLaw Partners is passionate about crypto and blockchain law. 

Its legal practice includes working with startups, securities law, ICOs, 

fund formation, AML/KYC compliance, money transmitter regulation, 

jurisdiction selection, and related areas. The firm is dedicated to 

advancing the global state of the law and works with government 

regulators. Mr. Einstein, its founding attorney, frequently speaks and 

educates both in the United States and aboard. 

CryptoUniverse is a technological leader in Russia when it comes 

to implementing blockchain technology and digital economy 

development. The company is a national leader in providing cloud 

mining services and is the owner of the country’s largest mining 

center in terms of total area and power capacity. 

www.cryptouniverse.io 

www.cryptolawpartners.com 

FELIX MAGO 

Co-Founder 

LYLE WRAXALL 

CEO 

Dash is a payments-centric digital currency that enables 

anyone to make quick, easy and cost-effective payments at any 

time, anywhere in the world, without going through a central 

authority. Based on a decentralised peer-to-peer network and 

secured by strong cryptography, Dash offers a safe and userfriendly 

payment method without barriers. 

www.dash.org 

Digital Isle of Man is responsible for the thriving Digital sector 

in the Isle of Man, spanning the Island’s international e-Gaming 

industry, successful digital economy, and innovative digital 

media sector. Digital Isle of Man works with Government, private 

industry and key associations to create the right environment 

for the sector. 

www.digitalisleofman.com 


WHO’S WHO 

VALENTINA DROFA 

CEO 

KARL SCHRANZ 

Director 

Drofa CA is an international communications agency established 

in 2010. We are working in the interest of fintech and blockchain 

companies, offering an integrated approach to communications, 

aimed at bringing real business value with tangible results. Our 

goal is to create perception, a public vision of trust that will act 

as a foundation for your successful future. 

www.drofa-ra.com 

E&S Group is a boutique, multi-disciplinary practice based in Malta, 

with a track record in providing corporate, commercial, tax and trust 

and fiduciary services and with a strong focus in advisory services in 

relation to ICO and token offerings and other crypto related activities 

carried out in terms of Maltese law. In 2019, the Group established a 

Fintech division to be a key contributor and builder of the blockchain 

and Fintech ecosystem, handling banking and payment solutions. 

www.ellulschranz.com 

CLARENCE LIU 

VP of Development 

PIERRE MIFSUD 

Partner 

With 50% of Bitcoin’s hashpower and an Ethereum compatible 

sidechain, Elastos is building the blockchain industry’s most 

comprehensive Web 3.0 platform. Elastos employs not only a main 

chain and sidechain architecture, but a peer-to-peer network, 

decentralised data storage services, a decentralised ID system and a 

community grant fund for projects to begin building on the platform. 

www.elastos.org 

EMD Advocates is a leading law firm based in Valletta, Malta servicing 

local and international operators in areas including blockchain, ICOs, 

STOs, iGaming, financial services, and tax amongst others. EMD 

is able to advise and assist in regulatory authorisation as well as 

provide on-going legal and regulatory advice and compliance. 

www.emd.com.mt 

FEDERICA TACCOGNA 


LLOYD PURSER 

SVP Business Development 

FTI is a global consultancy, providing compliance services (including 

AML/CFT services and platforms) with emphasis on advanced 

analytics and pragmatism. Our goal is to help firms achieve 

compliance without sacrificing commercial competitiveness. 

www.fticonsulting.com 

FunFair was created in 2017 by igaming veterans Jeremy Longley, 

Oliver Hopton and technology entrepreneur and investor Jez San OBE 

and has since expanded to become the largest and most experienced 

team in blockchain gaming. FunFair is the leading provider of 

blockchain-powered casino technology to the gaming sector. 

www.funfair.io 

KISHORE MANSINGHANI 

Founder & CEO 

TZAHI KANZA 

Managing Partner 

Future1Exchange is an Institutional Grade digital asset exchange 

platform designed for both professional traders and retail 

investors. The platform allows users to buy, sell, and store digital 

assets. It is registered and licensed to provide cryptocurrency-tofiat 

exchange and wallet services. The conduct of its operations is 

covered by the Estonian law. 

www.future1exchange.com 

FutureBlock is a unique Blockchain startups investment and 

acceleration program. FutureBlock incubates and invests in 

Blockchain startups with proven business models. We provide deep 

operational support to startups and help them build market-leading 

Blockchain companies. 

www.futureblockhub.com 


WHO’S WHO 

HAYATO TERAI 

CEO 

MARIE TATIBOUET 

CMO 

GanaEight Coin (“G8C”), part of the Ganapati Group, is leading 

the evolution of iGaming into blockchain. With experts in 

online casino, tech, finance and Japanese content, G8C is an 

unprecedented, transparent approach to creating value through 

blockchain, with a brand-new stablecoin and payment solution 

for the online casino world. 

www.ganapati.io 

Gate.io is a global blockchain assets exchange platform. 

Established in 2013 and developed fully in-house, Gate.io 

enables blockchain enthusiasts to trade and store assets in over 

200 of the leading cryptocurrencies. Gate.io sets itself apart by 

prioritising security and experience, providing users with quick 

and easy ac-cess to assets. 

www.gate.io 

OLIVER LA ROSA 

CEO 

DAVID POPE 

Marketing Director 

Globiance Limited is a private company, registered in the UK, 

offering exchange and trading of crypto and FIAT currencies, 

payment solutions and worldwide money transfers via its fully 

owned and licensed subsidiaries in Malta, Globiance Exchange Ltd 

and Globiance Payment Ltd. Globiance also plans to offer a trading 

platform for investors covering all traditional financial products. 

www.globiance.com 

At HooYu we offer the most innovative services for ID verification 

and investigation of people and businesses. Our range of 

services help operators to meet age and identity verification 

compliance, whilst delivering a smooth global customer onboarding 

experience. 

www.hooyubusiness.com 

AIBEK AMANDANOV 

Head of Global Marketing 

GUILHERME JOVANOVIĆ 

Business Development Director 

Human Plus is a young South Korean company that strives to 

create a new global paradigm in blockchain based everyday 

economy via its human-centric payment solution called HUPAYX 

that aims to transform traditional payment infrastructure with 

all-in-one blockchain based cryptocurrency payment platform 

specifically designed for real everyday economy. 

www.hupayx.com 

Indacoin is a cryptocurrency exchange and iOS/Android app 

that offers a unique ability to buy over 100 altcoins with Visa & 

Mastercard. Operating in the UK since 2014, its primary focus 

is to provide secure bank card payments and enabling other 

projects to sell their tokens instantly worldwide. 

www.indacoin.com 

PAUL MATHIESON 

Founder & CEO 

ERIC FALZONE 

Director 

Investment Evolution is a Malta-based company with its own 

IEC cryptocurrency coin/network and operates the IECX Malta 

cryptocurrency exchange. IEC cryptocurrency facilitates fast 

and free international payments to the Philippines by Filipino 

OFWs in Europe. We also provide cryptocurrency token creation/ 

exchange listing services and plan to offer cryptocurrency loans. 

www.investmentevolution.com 

IT Legals Ltd (ITL) specializes in “Anti-Money Laundering (AML)” 

and “Counter-Terrorist Financing (CTF)” web applications 

and due diligence back-office services for the blockchain 

industry. ITL’s AMLEXA, is the first Artificial Intelligence Platform 

for the “Remote Customer Due Diligence”, that automates 

Identification, Risk Assessment and On-going Monitoring. 

www.amlexa.com 


123, St. George’s Road, St. Julian’s, Malta 

2000 sq.m of New, Highly 

Finished Office Space 

...in the Heart of St. Julian’s 

Offices finished to the highest standards and equipped with all necessary services and 

systems creating a modern, cutting-edge office space environment. 

Located in the central part of St. Julian’s/Paceville area, this office block sits right opposite 

Mercury Tower, overlooking planned piazza. This property is located just 2 minutes away 

from bus stops, 5 minutes away from closest taxi stand and within walking distance from 

prime renting localities such as Swieqi, Pembroke, Ibragg and Sliema. These offices are 

within Malta’s prime entertaining/nightlife hub. 

Project Completion: 2020 


WHO’S WHO 

VITALY MZOKOV 

Head of the Innovation Hub 

CHRISTOS KINANIS 

General Partner 

Kaspersky is a global cybersecurity company, which has been operating 

for over 21 years. More than 400 millions users are protected and we 

help 270,000 corporate clients protect what matters most to them. 

Kaspersky deep threat intelligence and security expertise is constantly 

transforming into innovative blockchain solutions and services. 

www.kaspersky.com 

Kinanis represents a legal and fiduciary group of companies with 35 

years of experience with offices in Malta, Cyprus and a representative 

office in China. The group is staffed with around 80 professionals, 

lawyers and accountants and has a business-oriented approach, 

providing proactive legal, tax, vat, regulatory and ICO consulting. 

www.kinanis.com 

JUANITA BROCKDORFF 

DLT Leader 

DENNIS MARK GAUCI 

Partner 

KPMG in Malta is a multidisciplinary firm committed to supporting 

clients in the emerging technology, DLT and AI spaces. It is a 

recognised systems auditor and one of the leading providers of tax, 

advisory and audit services, with a dedicated cross-functional team 

servicing Emerging Tech clients. 

www.kpmg.com.mt 

KSi Malta is a corporate and private client advisory, accounting, 

audit and tax firm providing a full range of financial, legal, and 

business advisory services to a diversified client base. KSi Malta is a 

member of Morison KSi, a global association of leading professional 

service firms, established to meet cross-border accounting, 

auditing, tax and business consulting needs of clients. 

www.ksimalta.com 

SERGEI KHITROV 

Founder & CEO 

YELENA KENSBORN 

Head of Community and PR 

Listing.help is the largest agency in the market for listing on 100+ 

crypto exchanges and for IEO on 30+ exchanges. Over 400 listed 

projects, short listing timelines and prices 2-3 times lower than 

official only for Listing.help customers. 

www.listing.help 

LUCKY.io is the world’s first-ever blockchain-based casino where players 

become the house by owning the platform tokens. It encourages the 

community to fully participate and, ultimately, run the platform by submitting 

and running their own games, validate transactions, participate in voting as 

well as other blockchain features that splits the ownership between different 

parties, based on their contribution. As a result, players gain even when they 

lose as the value of the token will be going up through liquidity. 

www.lucky.io 

STEPHEN MCCARTHY 

CEO 

MALCOLM BRIFFA 

Director of Business Services 

MDIA is the primary authority responsible for supporting all 

governmental policies that promote Malta as the centre for excellence 

for technological innovation, while setting and enforcing standards 

that ensure compliance with international obligations. The Authority 

seeks to protect and support all users and also encourages all types 

of innovations, by allowing for maximum flexibility when it comes to 

the certification of Innovative Technology Arrangements. 

www.mdia.gov.mt 

We provide smart solutions for business, combining the most 

powerful internet network in Europe with the most advanced 

mobile network to enable IoT capabilities. Our purposebuilt 

Data Centre provides high security, cloud services and 

connectivity whilst our dedicated support teams and our fully 

redundant international links keep your business running. 

www.melitadatacentre.com 


WHO’S WHO 

ALEXEY SIDOROWICH 

Sales & Marketing director 

STEPHEN MEADE 

Founder & Chairman 

Merkeleon specialises on ready-to-go Crypto Commerce & 

Trading Software and Premium technical Support for online 

business during the last 10 years. Our main products are 1st 

audited Crypto Currency Exchange software, Online Auction and 

Marketplace software, Crypto Processing and Payments solution. 

www.merkeleon.at 

MonetaPro is a B2B platform that operates as a sell-for-credit 

exchange. MonetaPro allows companies to list goods and services 

for sale at prices they determine. With MonetaPro, businesses can 

freely buy and sell goods and services to other businesses across 

all vertical markets & industries. 

www.monetapro.io 

RANDY BOYER 

CEO 

IMRE FAZEKAS 

Co-founder 

Network Society Lab (NSL) is a venture development advisory 

firm headquartered in Malta with offices in Argentina, Australia 

and the United States. It focuses on adding value to startup, 

early-stage, and growth companies that are based upon 

exponential technologies and decentralised networks, including 

blockchain and artificial intelligence technologies. 

www.netsoclab.com 

By accumulating 10+ years of experience, we built a compliant 

core banking solution using privileged blockchain ensuring 

credible data management with exceptionally high transaction 

rate and unmatched flexible analytical system which scales 

and expands with you. As a small group of IT, financial and 

legal experts, we are working relentlessly to help our business 

partners to find finance as a tool serving your needs. 

www.nlv8.com 

TOBIAS ADLER 

CEO 

DAVIDE CUTTINI 

CEO 

Nuco.cloud (short of nubes computatrum) is a blockchain based 

distributed computing cloud developed by the Iron Eagle Capital 

GmbH. It is based on BOINC (Berkeley Open Infrastructure 

Network Computing), the scientific computing cloud of the 

University of California, Berkeley, and Gridcoin. As BOINC is only 

available for scientific research, the nuco.cloud opens it up for 

commercial use. 

www.nuco.cloud 

OVR is a World Scale, Augmented Reality platform powered by 

Ethereum Blockchain and Loom. OVR makes it possible for users 

provided with a mobile device or a smart glass to live interactive 

augmented reality experiences customized in the real world. 

OVR is a new standard in augmented reality where spaces, 

assets, and currency are fully decentralised. 

www.ovr.ai 

NIKOLAI TIMOFEJEV 

Partner & COO 

SCOTT PURCELL 

CEO 

Prifinance is a safe and legal way of funding your blockchain 

project. We will bring your start-up to a successful ICO, backing you 

team in every aspect. We have an extensive experience in obtaining 

licenses for the crypto exchange activity and are able to advise you 

about the legal status of cryptocurrencies in any country. 

www.prifinance.com 

Company description: Prime Trust is a technology-driven financial 

institution, that as a qualified custodian provides FIAT and 

token custody, funds processing, AML and KYC compliance, and 

transaction technology for the new digital economy. Its mission is to 

provide exchanges, portals, platforms, brokers, investment advisors, 

stablecoins, and others, with smart API solutions to seamlessly meet 

the needs of their businesses. 

www.primetrust.com 


WHO’S WHO 

DMITRI LIHNO 

Head of Estonian branch 

DANIEL DABEK 

Founder 

Private Financial Services is a reputed and established player in 

the financial and legal services market, having its representative 

office in Estonia, Latvia, and Russia. In operation since 1998. As 

from 2015 we also provide legal services and licensing for crypto 

business. PFSER has assisted more than 70 crypto-projects all 

over the world. 

www.pfser.com 

Safex is connecting the world through a decentralized 

marketplace embedded in the blockchain. Cryptocurrency and 

blockchain technology have enabled people all over the world to 

conduct trade in the process establishing the world marketplace. 

A decentralised community for ecommerce in the digital age. 

www.safex.io 

RENE POMASSL 

Founder & CEO 

IAN MCAFEE 

CEO & Co-Founder 

Salamantex is a fintech and blockchain company based in 

Austria focusing on crypto payment solutions for merchants. 

The Salamantex crypto payment solutions can be used on 

their own developed payment terminals or can be integrated 

into existing POS systems, smartphones, tablets and online 

shops. Salamantex is also focusing on blockchain and crypto 

development, research and consulting. 

www.salamantex.com 

Shift Markets provides cryptocurrency exchange software, 

brokerage trading technology, liquidity, digital asset listing and 

tokenisation services to a global clientele. Based in New York 

City since 2009, we have over 40 years of cumulative electronic 

trading experience and an extensive FX broker network across 

the world. 

www.shiftmarkets.com 

MICHAEL STEEN PEDERSEN 

Co-Founder & Director 

KRISTINA SHEREMET 

CMO 

SOHO Office Space is Malta’s largest serviced office and 

coworking network, housing more than 4500sqm of office space. 

SOHO’s third unique office location features a member’s café, 

lounge bar, and top of the art event space. Join us on our rooftop 

terraced bar, experiencing the prime SOHO community feel. 

www.sohomalta.com 

STOBOX is a full service provider for tokenization of investment 

assets based in Malta. We offer turnkey solutions to launch an 

STO including technological, legal and marketing service. Our 

clients are small and medium enterprises aiming to expand 

the geography of investors and gain awareness in investor 

communities around the globe. 

www.stoboxplatfom.com 

MARIO CARLINI 

CEO 

DAN POH 

Chief Marketing Officer 

AiliA SA is a Swiss company based in the canton of Zug, founded 

in 2014 as a consultancy and IT services company. Takamaka, 

founded in 2017, currently supplies services in the fields of 

information technology and innovation processes in the area of 

blockchain technology. 

www.takamaka.io 

traceto.io is a decentralised Know Your Customer (KYC) network 

that provides an inclusive KYC solution to cryptocurrency and 

blockchain product companies, by fusing Smart Contract and 

Artificial Intelligence technologies. Leveraging on over 5 decades of 

experience in Compliance and RegTech, traceto.io’s vision is to bridge 

the gap between the real and virtual world KYC processes. 

www.traceto.io 


FIRM PHILOSOPHY 

PRACTICE AREAS 

ICO, IEO, & STO Advising 

Regulatory 

CHICAGO 

LOS ANGELES SILICON VALLEY NEW YORK 

Suite 600 

FIRM CONTACT: 

Partner: Josh Lawler | jlawler@zuberlawler.com 

WWW.ZUBERLAWLER.COM

WHO’S WHO 

ROMAN POTEMKIN 

CEO 

ANGELO DALLI 

CEO 

Get paid in crypto and cash out in EUR with TRASTRA payment 

cards issued by VISA. You’ll get BTC, ETH, XRP, LTC and BCH 

wallets to send and receive cryptocurrency and a TRASTRA 

payment card for exchanging crypto for EUR and spending it in 

daily life or cashing out at an ATM. 

www.trastra.com 

Umnai is an AI focused solutions provider that is creating new AI 

technology that can explain itself and its decisions. Our ethical AI 

solutions assist people to achieve their full potential, rather than 

replacing them. Our emphasis is on achieving a positive social 

impact through creativity and innovation. 

www.umn.ai 

MARCO BUGELLI 


ROBERT ELLUL MICALLEF 

Solutions & Innovation Senior Manager 

Vistra is a market-leading provider of corporate services in 46 

jurisdictions, focused on giving Blockchain & Crypto operators 

tailor-made solutions with a global approach. We offer regulatory 

and legal expertise, company formation & bank account opening 

services, ITO/STO, Tax Compliance, GDPR and Residence Services, 

as well as IT Consulting/Audit services (with our partners). 

www.vistra.com 

Vodafone has a long history of technological innovation. For 

many years, companies have looked to Vodafone to confidently 

connect them to the rest of the world. Vodafone Malta is the 

island’s leading telecommunications provider, delivering an 

unparalleled level of support and having been the first to launch 

4.5G mobile data speeds locally in addition to boasting an 

unmatched 4G roaming footprint of over 130 countries. 

www.vodafone.com.mt/business 

URSZULA CZERPAK 

CEO 

MARCO PAGANI 

CEO 

Wallet Top Up is London based crypto currency startup offering 

custom branded gift cards. Its mission is to increase adoption of 

crypto currencies and promotion of crypto currency businesses. 

www.wallettopup.co.uk 

WizKey is an Ethereum-based finance infrastructure to trade 

loans and invoice receivables, and to carry out structured 

finance transactions. With WizKey banks and enterprises are 

turning their receivables into secure and liquid tokens quoted on 

the global digital market to enhance their transparency, liquidity 

and their value. WizKey is the corporate gateway for finance 

transactions on the Ethereum blockchain. 

www.wizkey.io 

MAX KANTELIA 

Chief Evangelist & Co-Founder 

JOSH LAWLER 

Partner 

Zilliqa is a high-throughput public blockchain platform that aims 

to make decentralised blockchains the building block of future 

enterprises and applications. Developed through academic 

research and helmed by a team of experienced scientists, 

engineers, venture creators and leaders in the financial services, 

Zilliqa addresses limitations in scalability and security, enabling 

real-world usability across a variety of industries, including 

finance, digital advertising, and gaming. 

Zuber Lawler is a minority owned law firm specialising in public 

and private finance, mergers and acquisitions, securities law 

compliance, intellectual property, commercial litigation and 

regulatory compliance and white collar criminal defense. 

www.zuberlawler.com 

www.zilliqa.com 


MEDIA PARTNERS 


The mission of AI Time Journal is to divulge information and knowledge 

about Artificial Intelligence, the changes that are coming and new 

opportunities to use A.I. technology to benefit humanity. AI Time Journal 

promotes Artificial Intelligence initiatives that enable people with 

knowledge the tools to have an impact through A.I. 

www.aitimejournal.com 

AMBCrypto is an independent cryptocurrency news publishing platform with a 

comprehensive ICO listing page, a dedicated real-time live cryptocurrency price 

ticker page and a blog section with a reach of over a million users worldwide. 

Conceptualised and brought to life in 2018, we are a young and vibrant start-up 

on an upward climb to the top. We take great pride in the fact that we are a nonfunded 

organisation and have seen exponential growth since inception. We are 

among the top cryptocurrency media portals in the world. 

www.ambcrypto.com 

Asia Blockchain Review aims to connect all blockchain enthusiasts on a 

regional scale, facilitating the technological underpinnings of blockchain 

through a range of group discussions, technical workshops, conferences 

and consulting programs. 

www.asiablockchainreview.com 

BeInCrypto provides an inside perspective on the latest trends in an emerging 

market while keeping our audience abreast of the hottest news, as it breaks. 

Each team member adheres to a strict set of journalistic principles and ethics 

in order to provide readers with only the highest-quality content. 

www.beincrypto.com 

Bitcoin Garden is a news site and discussion forum about Bitcoin, fintech 

and other applications of the blockchain technology. Launched in March 

2013, since the very beginning Bitcoin Garden has always paid special 

attention to the world of alternative cryptocurrencies. 

www.bitcoingarden.org 

blockcast.it is a Chinese media focusing on blockchain related news and 

articles. We serve our contents to all Chinese regions including China, 

Taiwan, Hong Kong and Macau. Beginners to professionals are all our 

target audience, and our contents cover cryptocurrency investment to 

technical discovery. 

www.blockcast.it 



Blokt is a leading tech, cryptocurrency, privacy, bitcoin, and blockchain 

resource. We provide the latest in breaking crypto news, cryptocurrency 

and privacy guides, price analysis, security tips, and industry tools. 

www.blokt.com 

In 2017, the Calvin Ayre Media group acquired and relaunched CoinGeek.com 

as a cryptocurrency news site with a focus on the technology of Bitcoin, now 

reborn as Bitcoin SV (BSV). We want to provide fair coverage of the entire 

cryptocurrency industry and highlight people and companies doing their part to 

live up to the true vision of the Satoshi Nakamoto whitepaper. 

www.coingeek.com 

Bringing you news, analysis, opinion and insight from the fast-moving 

blockchain world. Our team of journalists and contributors cover the likes of 

cryptocurrencies, wallets, exchanges and ICOs across a wide range of sectors 

including retail, fintech, banking and gaming. We go beyond the press releases 

and marketing hype to tackle all the industry topics that matter. 

www.coinrivet.com 

Cryptimi.com is a professional digital currency review site. Cryptimi 

provides objective reviews and test each product thoroughly as part of 

the review process, only giving high marks to the very best. Easy to follow 

guides, investment opportunities, technical analysis & important news 

updates keep crypto enthusiasts active & informed. 

www.cryptimi.com 

NewsBTC is a news service that covers bitcoin news, technical analysis & 

forecasts for bitcoin and other altcoins. Here at NewsBTC, we are dedicated 

to enlightening people all around the world about bitcoin and other 

cryptocurrencies. We cover news related to bitcoin exchanges, bitcoin mining 

and price forecasts for various virtual currencies. 

www.newsbtc.com 

Share Talk produces its own Audio Podcasts, Video interviews, Question & 

Answer articles that cover all sectors of the investment markets. We publish 

informed discussions with various companies. This includes regular company 

updates, interviews with the Management teams and information from 

companies that we believe will offer future shareholder value. 

www.share-talk.com 

The Times of Malta is an English-language daily newspaper in Malta. 

Founded in 1935, by Lord and Lady Strickland’s daughter Mabel, it is 

the oldest daily newspaper still in circulation in Malta. It has the widest 

circulation and is seen as the daily newspaper of “reference” of the 

Maltese press. 

If you’re looking for a site where you can learn anything and everything 

about digital assets, then Wallet Investor is your best choice. We get you 

educated on the rudiments of cryptography and virtual coin investment. 

www.walletinvestor.com 

www.timesofmalta.com 


The world of 

iGaming is 

evolving into 

blockchain 

THIS IS THE 

G8C ERA 

Brought to you by iGaming industry pioneers, Ganapati, G8C is an 

unprecedented, transparent approach to creating value through 

blockchain. Introducing a brand-new stablecoin and 

payment solution for the 

online casino world. 

www.ganapati.io 

info@ganapati.com

Block Issue 3

Create successful ePaper yourself

Delete template?

Save as template?