IOVO (Internet Of Value OmniLedger) is a global open network-database for the storage and exchange of information based on all possible types of quantitative value assets. IOVO is a DAG (directed acyclic graph) which represents the next generation of blockchain, and serves as a data management and scoring ledger. It does this by creating a universal global decentralised ledger of all values, which then publishes scoring rates on both individuals and institutional entities across a range of sectors. Rating scores within IOVO are solely accessible to the scored entity itself, and are revealed upon request only as answers to particular questions. In this way IOVO is acting as a zero-knowledge proof platform. As a base layer, the IOVO DAG works as an infrastructure for all upcoming dApps (decentralised applications) focusing on value and scoring data usage relating to such areas as finance, credit, insurance and non-monetary payments. IOVO is designed to be a basis for building decentralized apps on top of it. As a result, most of the users will not directly use the low-level functionality of IOVO. Instead, they will use user-friendly apps created by other network users. Every app developer can create a new scoring along with the app or use one or more of the existing scorings. Hence, the author of the app decides, which user data will be used for a particular business purpose and defines the rules for the data access. Therefore, the actual functionality of IOVO will be driven by the app developers, not by the creators of IOVO.
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