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  • Welcome to New York City.

    歡迎來到紐約市,

  • The crown jewel of the real estate market.

    最引人注目的房產市場

  • Everybody wants a piece.

    每人都希望有機會能分一杯羹

  • And now, thanks to blockchain technology,

    如今多虧有區塊鏈技術,

  • that may very well be possible.

    大家的理想似乎不太遠了

  • This $36.5 million development

    這要價 3650 萬美元的開發案

  • is being sliced into digital shares,

    被切分成數位股份,

  • or tokenized, as it's called,

    或者說這房產被數位代碼化了

  • so that investors around the world can own as much, or as little, as they can afford.

    於是各地的投資客能夠買下某部分的房產,多寡按個人負擔能力而異

  • We have the typical bank financing on this project

    這個專案背後也有典型的銀行融資,

  • with a conventional bank, and this loan matures in January.

    我們與傳統的銀行合作,貸款在一月到期

  • We've decided to take a right turn

    我們決定轉換方式,

  • and tokenize the debt here on the property.

    將這塊房產的債款進行數位代碼處理

  • The construction is 95% complete,

    已經有 95% 完工了

  • we are starting to get inspections in the next week or so.

    大約在下週我們就會開始接受檢驗

  • We have a bank deadline on us,

    我們和銀行有約定期限

  • where we have to sell a certain amount of units

    截止之前我們必須售出一定數目

  • or repay the entire loan by a certain date.

    或必須在特定日期前償還所有貸款

  • If construction's been delayed,

    如果建築工程有所延宕,

  • if the market turns, if competition pops up,

    如果市場趨勢轉向,如果競爭對手出現,

  • and we're not going to be able to hit that deadline,

    讓我們無法在期限之前達成,

  • what do you do?

    那該怎麼辦呢?

  • So by tokenizing the debt,

    因此藉由將債款數位代碼化,

  • it gives everyone breathing room

    大家都會多出一點喘息空間

  • to sell at a normal pace with the market instead of against it.

    跟隨市場的常態腳步進行銷售,而不是逆水行舟

  • The people behind this offering

    這套計畫的推動者

  • reside across the East River, in that other borough.

    位在東河對岸、紐約市另一個區

  • Here, the blockchain start-up, Fluidity,

    他們是 Fluidity,一間區塊鏈新創公司

  • has teamed up with broker-dealer firm, Propellor,

    與房產經紀商 Propellor 進行合作

  • to generate tokens by crafting smart contracts,

    藉由打造智慧型合約來產生數位代碼

  • and in so doing, they could be changing the way we all do business in the future.

    他們的做法可能會改變我們未來做生意的方式

  • When we started to look at the real estate industry,

    當我們談到房地產市場,

  • it's probably one of the most inefficient industries that exist currently.

    就會發現它大概是現存產業中最缺乏效率的一個

  • You have a lot of middlemen, a lot of lawyers,

    有一堆仲介人、律師、

  • a lot of bankers and just being able to create

    銀行家才能勉強湊合出

  • something that has real impact on an industry like that,

    具影響力的房地產業

  • I think you're looking at significant disruption.

    我們面臨的衝擊力量不可小覷

  • But for a project determined to eliminate middlemen, there's a lot of people involved.

    然而想達成排除中間人的目標,有許多成員必須加入隊伍

  • - Motivator. - Coder.

    - 團隊激勵者 - 程式工程師

  • - I'm a lawyer. - Facilitator.

    - 律師 - 團隊協調者

  • - Strategy. - Project Manager.

    - 策略制定者 - 專案經理

  • - Developer. - Co-founder.

    - 產品開發 - 共同創辦人

  • I'm just the broker.

    我只是個仲介人

  • I'm a fan.

    我是他們的粉絲

  • An important party that is absent in this equation is a bank.

    在整個計畫中缺席的一方是銀行

  • There will not be a bank involved.

    未來將不會有任何銀行參與

  • The process goes something like this.

    計畫進程大概會像這樣:

  • These guys create tokens on the blockchain.

    這群人負責在區塊鏈上產生代碼

  • The tokens represent the condo unit's debt,

    這些代碼代表公寓單位的債款

  • and can be traded as private securities.

    也能以私人證券的形式進行交易

  • If token holders sell their shares,

    如果代碼所有人賣出他們的股份

  • the purchaser can either preserve the tokens on the blockchain, or cash them out,

    購買者可以選擇在區塊鏈上保留代碼,或者出售換取現金

  • thereby dissolving these tokens altogether.

    此舉同時也會使代碼失效

  • This, theoretically, would produce more liquidity to a notoriously ill-liquid market.

    理論上這能促使缺乏流動性的房產市場變得更靈活

  • It's a hard, asset-backed, secured loan.

    這是種堅實牢固、有資產支撐的貸款

  • We're taking private securities and we're putting a digital wrapper around them,

    我們為私有證券加上數位化包裝

  • which makes it easier to track and easier to transfer.

    追蹤及轉移上都會變得更容易

  • There's only four assets you can own in the world.

    全世界你能宣稱所有權的資產不過四種:

  • Stock, a bond, a currency or a commodity.

    股票、債券、貨幣、商品

  • And we think every single one of them's gonna get digitized.

    我們認為這四項最終都會走向數位化

  • Tokenize the world.

    把世界代碼化

  • And that's already happening.

    而這已經是現在進行式

  • A UK company recently tokenized this Andy Warhol.

    一家英國公司最近代碼化了這安迪·沃荷的畫作

  • Now, 100 people own 31.5% of this $5.6 million painting.

    現在這幅價值 560 萬美元的畫作的 31.5% 由 100 人持有

  • And when it rises in value, the tokens will as well.

    當畫作有所增值,代碼價值也會跟著水漲船高

  • So, is the same thing happening with New York City real estate?

    紐約房產的情況也是這樣嗎?

  • Literally, 25, 30 million people

    說真的,2500 萬或 3000 萬人

  • can own a piece of this at a dollar a pop.

    都可用一美金一單位的價格擁有一部份房產

  • When has that ever been possible?

    這難道不是史無前例嗎?

  • Technically, it's still not possible.

    技術上來說這還沒辦法實現,

  • At least, yet, that is.

    至少現在還不能

  • Many hurdles remain before this becomes a democratizing force for the masses.

    在普及大眾以前仍有許多道門檻必須跨越

  • Not least of which is the fact that these tokens

    更不用說事實上這些代碼

  • are only available to accredited investors,

    僅提供給合格投資者

  • keeping the barrier of entry high.

    進場門檻頗高

  • Open only to the rich.

    只開放給有錢人

  • But all of this is very new,

    但這一切都只是起步階段

  • and hasn't yet fully impacted the system.

    尚未全面撼動房產市場的運作

  • Blockchain innovations like this one,

    像這樣的區塊鏈創新

  • clearly has the potential to disrupt the way we do business, and even the way we define the very things that we own.

    十分有可能會扭轉做生意的方式,甚至是我們對所有物的定義

  • You know, if there's another downturn,

    萬一景氣又惡化,

  • and banks say, oh, we have a hard time lending now,

    銀行可能會說現在放款有困難

  • okay, well, I don't need you,

    沒關係我也不需要你

  • because I can tokenize my loan that I wanna use to buy that condo there.

    因為我可以把借貸代碼化,再買下那房公寓

  • And that's what I'm gonna do.

    這就是我的目標

  • So now we don't need banks anymore.

    我們再也不需要銀行了

  • That is what's crazy.

    真是不可思議

Welcome to New York City.

歡迎來到紐約市,

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區塊鏈進攻曼哈頓房產市場 (Blockchain Takes Manhattan)

  • 203 3
    Jessieeee 發佈於 2018 年 11 月 13 日
影片單字