译文/Translated：
主要的金融和公共领域服务都在探索和采用创新的科技，优化支付过程。在这个发展和发现的时代，我们有充分理由改变传统金融的旧世界，把它集成到受验证的区块链账户中，同时还确保我们的做法合理、公开、受许、合规。去中心化金融（DeFi）平台已经为此奠定了基础，建立在合规的可程序化金融（ProFi）基础架构的系统开始加快速度，为金融和公共领域服务提供数字化转型。
主要的开发性金融投资者美洲开发银行（IDB）为在拉美和加勒比地区设立合规、公开、获许的区块链基础设施打好了基础。为奠定该框架起到指导性作用的是LACChain，它是IDB集团的创新实验室IDB 实验室旗下的跨国联盟。LACChain已经被用作概念证明执行IDB和花旗银行的花旗创新实验室间的跨国支付。
LACChain的成员遍布拉美和加勒比地区15个国家，有49个合作伙伴共同为获许的公开区块链基础架构提供平台不可知框架。2021年，Block.one成为LACChain计划的战略合作伙伴，为其提供技术服务，同时参与的还包括EOS公网参与者EOS哥斯达黎加和EOS阿根廷。
LACChain代表了拉美积极转向使用合法合规的ProFi系统。目前，有两个符合LACChain框架的区块链网络正在开发中，一个是LACChain EOSIO 网络，另一个是Hyperledger Besu支持的LACChain Besu 网络。
技术不可知方法
LACChain和其他区块链设施的其中一个区别是其背靠高可信的金融机构IDB，这是改善拉美和加勒比地区生活的主要发展金融机构。
EOS哥斯达黎加联合创始人Edgar Fernandez和LatamLink合作，后者是熟悉EOSIO的企业的志愿联盟，该联盟在为LACChain EOSIO网络做出贡献。他说，IDB采用经营管理模式，而没有受政治威胁或企业偏好的影响。“它是政治不可知，所以对EOSIO来说非常合适，因为如果你让科技说话，那EOISO本来就有很多原生的东西，这样他们就得构建或者使用不同的协议。”
合规代码
为了在LACChain框架加入合规代码，IDB实验室想到可以设置许可委员会和一系列许可规则，规定使用本去中心化网络时的明确责任。每个运行节点的实体都负责网络中该节点及其动作，如广播交易（针对作者）或生产新区块（针对验证方）。
Edgar解释说，“如果你不打算负责，那么你就需要知道谁在用、用来做什么，这也是法规框架的去处。”
LACChain利用了EOSIO的配置功能，用在其法规框架中。具体来说，LACChain修改了EOSIO初始的委托权益证明共识机制，转为权威证明机制，让任何实体都能成为一个验证方，这个过程保留去中心化，但去除竞争机制，也就去除了能源成本。尽管做了一些改变，但是LACChain的EOSIO部署依然能够利用Block.one的核心升级功能，这也是在开发过程中团队重视的东西。
有了这些修正的功能之后，EOSIO赋予本地平台诸如可读取名称、免费交易、支持多签名智能合约等属性，这就有利于形成许可委员会。与之相对，同样的功能在Hyperledger上需要花费几个月才能部署完成。
区块链应用的沃土
Edgar认为拉美有一个巨大的机会，其市场已经准备好迎接实际的现代方案了。“如果背后有用例，不管这个用例是在监管领域、私人领域还是公共领域，它都有潜力创造数百万个获得验证的人类EOSIO账户。它可以是去中心化ID、是海关效率、是在区块链上发行债券、是法币代币化、是疫苗追溯。”
现有的金融服务提供者将能够利用LACChain的EOSIO区块链结算系统，利用智能合约在任何促进合规的环境中代币化法币。Edgar解释说，“这代表了这些国家关于货币的方方面面。你不需要为每一个国家建立一个新的区块链。它能让你进行区域集成，提高效率。”
需要进行紧急结算的时候，如碰到需要赈灾基金时，能够在几分钟内完成结算可能就是改变人生的因素。零售银行可以利用代币化的法币发方本地货币的稳定币版本，这些稳定币必须马上由LACChain上的两个合规实体验证。反过来，该银行也可以回过头，通过该区域的任何分行本地发行法币。
“我们现在已经看到区块链上的保险、区块链上的交易所、正在试点的区块链产权，LACChain的项目为这些东西提供了新的可能，同时它还打开了合规基础架构上的金融服务的阀门。”
系统层面的合规
部署在EOSIO上的LACChain的设计宗旨是要在系统合约层面实现合规，因此其上管理的可程序化资产符合监管要求。
用EOSIO智能合约、通过原生的合规方式管理可程序化货币，这样就可以避免诈骗。这是通过每个运营公共基础架构的个人都承担着一部分安全责任。 LACChain上的资源一旦被符合网络要求的KYC检查点验证，这些资源就只会分配到一个账户。反过来，根据设定，网络上每个作者节点都要对所有其发出的交易负法律责任。
如果节点批准的交易违背了LACChain网络的条款，节点运营方将会被网络禁止。有了KYC检查，网络就能防止违规者有机会多次违规。
参与者都承担了网络安全的法律责任，因此他们就能免费使用该基础架构。
LACChain EOSIO测试网现在已经可以使用了，它可以作为拉美和加勒比地区用例的实验场所，也能证明未来ProFi基础架构在全球范围内的合法部署。想要开始在新的测试网开始部署，请访问www.lacchain.net 或 info@lacchain.net联系LACChain。
建立在EOSIO之上
我们的 #建立在EOSIO 系列展示了利用EOSIO科技的一些卓越的项目，它们都能为我们更加安全和联系的世界添砖加瓦。如果您想给我们下一个阶段的项目提建议，请给我们的开发者关系小组发送邮件spotlight@block.one
了解EOS VC如何通过战略性投资和风投合伴基金支持EOSIO生态，请访问 vc.eos.io
–Block.one开发者关系小组
原文/Original：
Major banking and public sector services are exploring and adopting innovative technologies that optimize payment processes. In this era of growth and discovery, the case has never been stronger for integrating the world of legacy finance with verified blockchain accounts in a legitimate, public, permissioned, and compliant manner. While the ground has been laid by decentralized finance (DeFi) platforms, systems built on a compliance driven programmable finance (ProFi) infrastructure stand to accelerate the digital transformation of financial and public sector services.
One major development finance player, the Inter-American Development Bank (IDB) Group is setting the stage for a compliant public permissioned blockchain-powered infrastructure in Latin America and the Caribbean. Instrumental in the establishment of this framework is LACChain, a Global Alliance led by IDB Lab, the innovation laboratory of the IDB Group. LACChain has already been used as a proof of concept to execute cross-border payments between IDB and Citi Innovation Labs of Citibank.
LACChain’s membership spans across 15 countries in the Latin American and Caribbean region, with over 49 partners collaborating towards a platform agnostic framework for a permissioned, public, blockchain-based infrastructure. In 2021, Block.one became a strategic partner to provide technical expertise on EOSIO for the LACChain initiative, alongside members including EOS Public Network participants EOS Costa Rica and EOS Argentina.
LACChain represents a dynamic shift towards embracing compliant and regulated, ProFi-based systems in Latin America. Currently, there are two blockchain networks in development that fit LACChain’s framework, the LACChain EOSIO Network, and a LACChain Besu Network, powered by Hyperledger Besu.
A Tech-Agnostic Approach
Part of what sets LACChain apart from other blockchain implementations is the fact that it is backed by a highly accredited financial institution, the IDB, the leading source of development finance for improving lives in Latin America and the Caribbean.
EOS Costa Rica Co-founder Edgar Fernandez works with LatamLink, a voluntary alliance of companies familiar with EOSIO that are contributing to the LACChain EOSIO Network. He says the development bank takes a meritocratic approach that sets aside political overhang and corporate favoritism. “Since it is tech agnostic it’s perfect for EOSIO, because if you let tech speak, EOSIO already has a lot of things that are native that they had to build or adapt in different protocols.”
Coded For Compliance
To bake compliance into LACChain’s framework, IDB Lab came up with the idea of a permissioning committee and a set of permissioning rules that allow to define clear liabilities in the use of this decentralized network. Each entity operating a node is responsible for that node and its actions in the network, such as broadcasting transactions (for writers) or producing new blocks (for validators).
Edgar explains, “If you’re not going to charge for something, then you need to know who’s using it and for what purposes, and that’s where the legal framework comes.”
LACChain took advantage of EOSIO’s configurability to fit its legal framework. Specifically, LACChain modified the consensus mechanism on EOSIO from the default state of Delegated Proof of Stake to a Proof of Authority based model, enabling any entity to become a validator which maintains decentralization but erasing competition which eliminates energetic costs. Although some changes were made, LACChain’s EOSIO deployment still benefits from core updates from Block.one, something the team took into account during development.
With these modifications, EOSIO offers native platform attributes such as human readable names, free transactions, and support for multi-signature smart contracts that facilitate the creation of a Permission Committee. In contrast, the same set of features required months of development on Hyperledger.
Fertile Ground for Blockchain Adoption
Edgar sees an enormous opportunity in the Latin American region, where the market is primed for a practical modern solution “It has the potential to create millions of verified human EOSIO based accounts if there’s a use case behind it, whether that’s regulatory, in the private industry, or public sector. It could be anything from decentralized ID to efficiency in customs agencies, to issuing bonds on a blockchain, to tokenized fiat money, or the traceability of vaccines.”
Existing financial service providers will be able to tap into LACChain’s EOSIO-blockchain based settlement system, leveraging smart contracts to tokenize fiat money in an environment designed to facilitate compliance. “It is a representation of what all these countries have in terms of currency,” explains Edgar. “You don’t have to build a new blockchain for the currency of each country. It allows you to have regional integration and to be more efficient.”
In cases where settlement is critical, such as disaster relief loans, the ability to settle in minutes can be a life changing factor. Retail banks can use tokenized fiat to send stablecoin representations of local currencies that are verified by two compliant entities immediately over LACChain. In turn the same banks turn around and issue the fiat locally through any branches owned in that region.
“That really opens up the possibility to other things we are already seeing in terms of insurance contracts on a blockchain, exchanges on a blockchain, property rights on a blockchain which they are already piloting and opening up the floodgates of financial services on a compliant infrastructure.”
System Level Compliance
LACChain’s deployment of EOSIO is designed to enable compliance at the system contracts level, so the programmable assets managed on it can adhere to regulatory requirements.
With EOSIO smart contracts managing programmable money in a way that is native compliant and regulatory, this helps to prevent fraud. This is done by sharing the security across everyone running the public infrastructure. Resources on LACChain are only allocated to an account once it is verified through a Know Your Customer (KYC) checkpoint that meets the requirements of the network. In turn, each writer node in the network is designated as legally responsible for all the transactions it sends.
If a node allows a transaction that goes against the terms and conditions of the LACChain network, the node operator will be banned from the network. With KYC checks in place, the network is designed to prevent the offender from having the opportunity to make repeat offenses.
In return for sharing the legal responsibility of network securing, LACChain participants get access to free use of the infrastructure.
The LACChain EOSIO Testnet is now ready to serve as the proving ground for use cases in the Latin American and Caribbean region, and to demonstrate a path for future compliant global deployments of ProFi infrastructure. To start deploying on the new testnet, contact LACChain by visiting www.lacchain.net or info@lacchain.net.
Building on EOSIO?
Our #BuiltOnEOSIO series showcases some of the amazing projects leveraging EOSIO technology to build a more secure and connected world. If you would like to suggest a project for us to feature please send an email to spotlight@block.one for our Developer Relations team to review.
For more information on how EOS VC supports the EOSIO ecosystem through strategic investments and venture capital partnership funds, visit vc.eos.io.
– Block.one Developer Relations team
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