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MyCreditChain是一个基于区块链的信用生态系统。 MCC计划将信用数据的所有权归还给个人，以便他们可以完全控制自己的信息，从而建立一个更加平等的社会。它带来了信用信息的重大创新，一个人的信用数据将成为他/她自己的资产。
MCC平台由区块链组成，区块链由基于以太坊的智能合约组成。数据被加密并存储在IPFS中，IPFS是一种分布式存储方法，由DAC（数据访问控制）控制。第三方参与者可以通过MCC提供的各种API接收服务，拥有个人和信用信息的消费者可以通过应用层提供的MCC App接收服务。
MCC提供自动实时数据收集，然后加密并存储在分布式存储中。该存储中的信息只能由拥有PKI的所有者访问，或者由拥有者批准的其他人访问。
该平台的信用评级方法基于10000个令牌的每日空投。所有MCC网络中的参与者每天获得三粒种子。种子没有价值，除非他们被给予其他人。然后，在种子接收器之间按照与网络中接收的所有种子成比例的方式共享10,000个令牌。 Airdrop可用于分析他/她组中个人之间的信任。 MCC是一种P2P网络，可用于生成个人信用，例如使用信任对的网络结构进行可靠性测量，以及在网络参与者之间共享信用的信任联盟，并且该信息提供与离线数据相结合的行为模式分析（地址簿，物联网，位置信息等。）。
MCC＆nbsp;平台可与第三方链接，并可移植到其他区块链网络。
除了传统的信用评级，如年收入，工作年限，职位和财富水平，MCC收集信息，如存储在公共机构的信息，金融交易历史，消费行为，个人大数据来自SNS的分析MCC空投中产生的活动和通信数据以及人际信心指数。使用Scrapping和DRM解析解决方案收集信息。
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验证 0%
注意。未经证实的成员实际上可能不是团队成员
验证 0%
注意。未经证实的成员实际上可能不是团队成员
The MyCreditChain project has the following advantages:
Product is relevant and in demand;
Strong and large team.
The disadvantages of the project are the following:
Lack of business plan and marketing strategy;
Lack of market and competitive environment research.
My Credit Chain attempts to solve one of the most pressing issues that plague the financial services industry today: the centralization of private, consumer data. By leveraging blockchain technology, My Credit Chain could help give the power back to the individual instead of over-leveraged financial institutions that are known to abuse their position in the market for personal gain.
In summary, the project has scalability potential and it could be integrated into the Korean banking system and market research industry at an early stage. The project also has favorable development timeframe and ICO parameters. Negative factors include the questionable premises for token use and non-homogeneous factors for market expansion, i.e. it will be problematic to introduce the ecosystem to the loan market straightaway.
The Multiversum project is at an early development stage; this becomes clear from the documentation’s quality, which still has some issues and lacunae. It is most likely that the project has been recently revised. There is no other explanation for the fact the WP and the site have different team descriptions.
The project’s risks are mainly associated with the large number of services envisaged. Such an ambitious project and its blockchain 4.0 status imply some pressure, requiring a sufficient amount of effort from the team. The project is under the spotlight, and the community will treat any negative news with great suspicion.
The competitive risks are also substantial. Such fundamental projects do not have a specific niche, unlike many utility tokens. Any such protocol adopted by the community as a standard could close the doors for its competitors.
