Role of Blockchain in Securing Financial Transactions

 



Imagine doing a transaction without carrying any money in cash. Without interfering with third-party applications or banks.

That is what blockchain can do actually. Blockchain is a revolutionary technology that intends to provide safe and secure transactions by using digital cryptocurrencies that cannot be manipulated by anyone. Blockchain is a collection of blocks that record information transactions like who made transactions to whom.

In a blockchain when one participant has to perform a transaction with another one. The process of enacting and ending the process is known as blockchain.  

There are five steps to make a transaction in blockchain which are mentioned below.

1 ) If participant A has to give 20 bitcoins to D then A will initiate.

2 ) Transactions are broadcast to all other participants with that process other participants will come to know that A and D will have to perform a transaction.

3 ) As all participants already know about transection here all participants check the transection. Checking transactions in the sense that they see the note which is doing the transaction. Is it an authorized note or not? They also see if the node is doing a transaction of 20 bitcoins. Whether that node has enough coins for a transaction or not.

Till now if all things are perfect then the rest of the participants give approval to transection. Now a question arises is it necessary to get approval from all participants? The answer is not at all. If more than 50% of participants approve the transaction then it can go for further process. Even if 51% of participants approve it'll go be enough.

4 ) The transaction that is to be done is included in the block along with other transactions but in a time-stamped and chronological manner.

5 ) Block is added to the blockchain and the transaction becomes a permanent transaction. After that, it is impossible to change or delete the transaction.

 

Types of blockchain

1 ) Public Blockchain

2 ) Private Blockchain

3 ) Consortium or Federate Blockchain

 

Public blockchain

 A public blockchain is a nonrestrictive and permissionless blockchain. It can be used by any user and can complete transactions. That is also a completely decentralized platform that gives permission to all types of users to be included in it. Currently, public blockchain is used for cryptocurrency transactions and mining. Bitcoin and Ethereum are part of this blockchain.

Advantages and disadvantages of public blockchain

 

Advantages

1 ) The members who are part of this network. Each and every member has excess to data. That’s why transparency is maintained.

2 ) This is a public network everyone can join it easily.

 

 

Disadvantages

1 ) Because of having more traffic on a public blockchain. It works slowly even sometimes taking hours to complete a transaction.

2 ) Public blockchain faces a scalability issue. It has a problem while being scaled.

 

 

Private Blockchain

A private blockchain is also known as a permission blockchain. This is a secure network and is only used by those who are permitted. This type of blockchain is a centralized network. This blockchain is suitable for those organizations that are looking for selected participants only. Hyperlegic fabric and Corda are included in this blockchain.

 

Advantages and disadvantages

 

Advantages

1 ) Private blockchains are faster than public blockchains. Because in this blockchain users are limited.

2 ) This blockchain has fewer scalability issues again because of the same reason that it has limited participants.

 

Disadvantages

1 ) Private blockchain is usually centralized but the main concept of blockchain is that it should be decentralized.

Consortium blockchain

This blockchain is used by those organizations that are required to have a blockchain which includes some public blockchain properties as well as some private blockchain properties. Consortium blockchain contains both public and private blockchain properties. Consortium contains a public blockchain this property that anyone can take part in this blockchain and perform transactions.

It contains the property of a private blockchain where even everyone can take part and complete the transaction but there are some chosen notes that initiate to verify the transaction. Macropolo is part of this blockchain.

 

Advantages and disadvantages

 

Advantages

It has very less stability issues and is secure as well as efficient.

Disadvantages

As considered public and private blockchains consortiums are not that much anonymous.

 

Future of blockchain

Blockchain has risen quite nicely in the market and the coming future of blockchain looks promising and bright. According to Garter blockchain is expected to surge to over 360 billion by 2026. This state tells us all about the future of blockchain itself.

Also read:

Beginner guide to business finance planning

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