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Daniel Neis (Koina) im Blockchain Interview

So this is a good beginning. Talking to Daniel Neis, who is the founder of Koina, is more than a fintech talk. He is a very inspiring person, looking for  a moon shot. But his moonshot  idea, is following a humanitarian purpose. And this is very rare in the fintech and banking sector.

 

Please tell me something about Koina!

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KOINA is building a democratic monetary system to provide liquidity for a sustainable economy that helps to relieve the real economy from the pressure of the financial world. KOINA enables economic entities to self-create money (equity tokens) via a legal smart contract which is executed on the KOINA techno-legal platform. This network of distributed individual ledgers is non-blockchain based powered by a true P2P Protocol which essentially automates arbitration services. KOINA handles and constructs smart contracts capable of interacting with the existing legal systems. The Protocol is used to facilitate such smart contracts without the need for intermediary servers because all server applications as well as client applications are executed on the device of the KOINA Users.

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Let´s start with an easy question. How would you explain Blockchain to children?

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Imagine a swarm of fish in which no fish has the power to dictate the other fish what to do and what not to do, but still the interests of all fish are made sure and syncronized within that swarm. This means safety for all of them. A Blockchain is a data system that does something similar for ownership so that everybody’s ownership is secured in form of digital proof without anybody being able to manipulate it.
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What can you do with Blockchain? What is it good for?

Basically, it can be used wherever centralized processes are to cost intensive or get manipulated by a few – in other words, it’s all about decentralization and democratization using technology.
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Is the blockchain more of a technological or an economic innovation?

Well, it is both but even more than that! It is a social and even political innovation.
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What are the benefits of using the Blockchain technology for banks?

Mostly it would help banks to reduce costs, optimize processes and could modernize their services or business models; the latter only if banks would understand this new opportunity as a chance to provide new services for digital bohèmes or digital natives.
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Do you think Blockchain could be a technology for a social innovation if not revolution. People will become stewards of their life. They get back control? Intermediaries and Gatekeeper no longer needed?

This is the goal but we are not there yet. Blockchain technology opened Pandora’s box and enables us to re-design the world in many different ways. We just started to explore this new technology. There’s a lot more to come, especially with the next logical step, towards real P2P.
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Could the blockchain be a rescue anchor for banks, or what impact will the blockchain technology have on the financial sector?

Maybe short term, on the long run banks need to transform into digital service providers becoming more IT company than bank.
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Which countries have a more progressive  blockchain community? Where are the most promising blockchain centers and ecosystems?

Crypto Valley/ Berlin/ London/ Ukraine/ Luxembourg
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In the USA, there is now  a blockchain consortium of cooperative banks. Do cooperative banks have a special relationship and therefore also a special opportunity in the successful application of this technology?

Not int the USA, maybe in D.A.CH. if they find a way to re-innovate themselves.
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What exciting blockchain companies should we all know?

Would you invest in Blockchain technology and in which companies or industries would you invest in the successful application of Blockchain technology?

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KOINA
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What other technologies will change the financial sector in the coming years, perhaps also in combination with Blockchain?

New P2P-Protocols, Legal Smart Contracts (automation of law), AI, IoT, digital identities and new ways for risk management (big data analyses)
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We are in 2026: where do we stand with the Blockchain technology?

Adult status: we will face a lot of automation on many different levels by then. Furthermore, we will have experienced real game changes more than the internet brought us.
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Boris Janek

AUTHOR - Boris Janek

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