How the blockchain is changing money and business | Don Tapscott

Prevoditelj: Stjepan Mateljan Recezent: Ivan Stamenković

The technology likely to have the greatest impact

Tehnologija za koju je vjerojatno kako će imati najveći utjecaj

on the next few decades

na slijedećih nekoliko desetljeća

has arrived.

je stigla.

And it's not social media.

I to nije društveni medij.

It's not big data.

Nije big data.

It's not robotics.

Nije robotika.

It's not even AI.

Čak nije niti umjetna inteligencija.

You'll be surprised to learn

Začudit će vas naučiti

that it's the underlying technology of digital currencies like Bitcoin.

kako je to tehnologija na kojoj leže digitalne valute poput Bitcoina.

It's called the blockchain. Blockchain.

Zove se blockchain. Blockchain.

Now, it's not the most sonorous word in the world,

Sad, to nije najzvučnija riječ na svijetu (ulančani blokovi, nap. prev.),

but I believe that this is now

ali vjerujem kako je ovo sada

the next generation of the internet,

slijedeća generacija Interneta,

and that it holds vast promise for every business, every society

te kako daje veliko obećanje svakom poslovanju, svakom društvu

and for all of you, individually.

te za sve vas, pojedinačno.

You know, for the past few decades, we've had the internet of information.

Znate, kroz prošlih nekoliko desetljeća, imali smo Internet informacije.

And when I send you an email or a PowerPoint file or something,

Te kad bih vam poslao e-mail ili PowerPoint datoteku ili nešto,

I'm actually not sending you the original,

zapravo vam ne šaljem original,

I'm sending you a copy.

šaljem vam kopiju.

And that's great.

I to je odlično.

This is democratized information.

To je demokratizirana informacija.

But when it comes to assets --

Ali kad dođe do imovine --

things like money,

stvari poput novca,

financial assets like stocks and bonds,

financijske imovine poput dionica i obveznica,

loyalty points, intellectual property,

bodova vjernosti, intelektualnog vlasništva,

music, art, a vote,

muzike, umjetnosti, glasa,

carbon credit and other assets --

karbonskog kredita i druge imovine --

sending you a copy is a really bad idea.

slanje kopije je zbilja loša ideja.

If I send you 100 dollars,

Ako vam pošaljem 100 dolara,

it's really important that I don't still have the money --

zbilja je važno da ja i dalje nemam taj novac --

(Laughter)

(Smijeh)

and that I can't send it to you.

te da vam ga ne mogu poslati.

This has been called the "double-spend" problem

To je nazvano problemom "duple potrošnje"

by cryptographers for a long time.

kroz dugo vrijeme od strane kriptografa.

So today, we rely entirely on big intermediaries --

Pa danas, posve smo oslonjeni na velike posrednike --

middlemen like banks, government,

preprodavače poput banaka, vlada,

big social media companies, credit card companies and so on --

velikih kompanija iza društvenih mreža, kreditno-kartičnih kompanija --

to establish trust in our economy.

kako bismo uspostavili povjerenje prema našoj ekonomiji.

And these intermediaries perform all the business and transaction logic

A ti posrednici izvode svu poslovnu i transakcijsku logiku

of every kind of commerce,

svake vrste trgovine,

from authentication, identification of people,

od autentikacije, identifikacije ljudi,

through to clearing, settling and record keeping.

kroz obračun, knjiženje i svođenje računa.

And overall, they do a pretty good job.

I sve u svemu, rade prilično dobar posao.

But there are growing problems.

Ali postoje rastući problemi.

To begin, they're centralized.

za početak, centralizirani su.

That means they can be hacked, and increasingly are --

To znači kako mogu biti hakirani, i sve češće i jesu --

JP Morgan, the US Federal Government,

JP Morgan, Federalna vlada Sjedinjenih država,

LinkedIn, Home Depot and others

LinkedIn, Home Depot i drugi

found that out the hard way.

otkrili su to na teži način.

They exclude billions of people from the global economy,

Isključuju milijarde ljudi iz globalne ekonomije,

for example, people who don't have enough money

na primjer, ljude koji nemaju dovoljno novca

to have a bank account.

kako bi imali bankovni račun.

They slow things down.

Usporavaju stvari.

It can take a second for an email to go around the world,

Može potrajati sekundu kako bi e-mail obišao svijet,

but it can take days or weeks

ali može trajati danima ili tjednima

for money to move through the banking system across a city.

kako bi se novac pomakao kroz bankovni sustav preko grada.

And they take a big piece of the action --

I uzimaju veliku proviziju --

10 to 20 percent just to send money to another country.

10 do 20 posto samo za poslati novac u drugu državu.

They capture our data,

Plijene naše podatke,

and that means we can't monetize it

a to znači kako je mi ne možemo monetizirati

or use it to better manage our lives.

ili ju koristiti kako bi si bolje upravljali životima.

Our privacy is being undermined.

Naša je privatnost potkopana.

And the biggest problem is that overall,

A najveći je problem kako su uglavnom

they've appropriated the largesse of the digital age asymmetrically:

prisvojili blagodati digitalnog doba asimetrično:

we have wealth creation, but we have growing social inequality.

imamo stvaranje bogatstva, ali imamo i rastuću društvenu nejednakost.

So what if there were not only an internet of information,

No što ako ne bi bilo samo Interneta informacije,

what if there were an internet of value --

što ako bi bilo Interneta vrijednosti --

some kind of vast, global, distributed ledger

neke vrste velike, globalne, raspodijeljene knjige računa

running on millions of computers

koja se vrti na milijunima računala

and available to everybody.

i koja je dostupna svima.

And where every kind of asset, from money to music,

I na kojoj svaka vrsta imovine, od novca do muzike,

could be stored, moved, transacted, exchanged and managed,

može biti pohranjena, pomicana, predana, razmjenjena i baratana,

all without powerful intermediaries?

sve bez moćnih posrednika?

What if there were a native medium for value?

Što kad bi bilo prirodnog medija za vrijednost?

Well, in 2008, the financial industry crashed

Pa, 2008. se financijska industrija slomila

and, perhaps propitiously,

te je, možda milosrdno,

an anonymous person or persons named Satoshi Nakamoto

anonimna osoba ili osobe imenom Satoshi Nikamoto

created a paper where he developed a protocol for a digital cash

napisala članak gdje je razvila protokol za digitalnu gotovinu

that used an underlying cryptocurrency called Bitcoin.

koja je bila položena preko kriptovalute nazvane Bitcoin.

And this cryptocurrency enabled people to establish trust and do transactions

A ta je kriptovaluta omogućavala ljudima da uspostave povjerenje i rade transakcije

without a third party.

bez treće strane.

And this seemingly simple act set off a spark

A taj prividno jednostavan čin je stvorio iskru

that ignited the world,

koja je zapalila svijet,

that has everyone excited or terrified or otherwise interested

koja je svakoga uzbudila, prestravila ili drugačije zainterestirala

in many places.

na brojnim mjestima.

Now, don't be confused about Bitcoin --

Sad, nemojte se zbuniti oko Bitcoina --

Bitcoin is an asset; it goes up and down,

Bitcoin je imovina; ide gore ili dolje,

and that should be of interest to you if you're a speculator.

i to bi vas trebalo zanimati ako ste špekulator.

More broadly, it's a cryptocurrency.

Šire, to je kriptovaluta.

It's not a fiat currency controlled by a nation-state.

To nije dekretni novac kontroliran od nacionalne države.

And that's of greater interest.

I to je od velikog zanimanja.

But the real pony here is the underlying technology.

ali pravi je poni ovdje je tehnologija na kojoj leži.

It's called blockchain.

Zove se blockchain.

So for the first time now in human history,

Dakle po prvi put u povijesti,

people everywhere can trust each other

ljudi posvuda mogu vjerovati jedan drugome

and transact peer to peer.

i izravno se razmjenjivati.

And trust is established, not by some big institution,

A povjerenje je uspostavljeno ne kroz neku veliku ustanovu,

but by collaboration, by cryptography

već kroz suradnju, kroz kriptografiju

and by some clever code.

i kroz nešto pametnog koda.

And because trust is native to the technology,

I kako je povjerenje urođeno tehnologiji,

I call this, "The Trust Protocol."

zovem ovo "protokol povjerenja."

Now, you're probably wondering: How does this thing work?

Sad, vjerojatno se pitate: "Kako ova stvar radi?"

Fair enough.

Pošteno.

Assets -- digital assets like money to music and everything in between --

Imovina -- digitalna imovina poput novca do muzike u sve između --

are not stored in a central place,

nije pohranjeno u središnjem mjestu,

but they're distributed across a global ledger,

već je rasprostranjena širom globalne knjige računa,

using the highest level of cryptography.

koristeći najvišu razinu kriptografije.

And when a transaction is conducted,

A kad je transakcija izvršena,

it's posted globally,

uknjižena je globalno,

across millions and millions of computers.

kroz milijune i milijune računala.

And out there, around the world,

I tamo negdje, širom svijeta,

is a group of people called "miners."

postoji grupa ljudi imenom "rudari".

These are not young people, they're Bitcoin miners.

To nisu maloljetnici, to su rudari Bitcoina.

They have massive computing power at their fingertips --

Imaju ogromnu računalnu snagu pod svojom komandom --

10 to 100 times bigger than all of Google worldwide.

10 do 100 puta veću nego uopće sve što ima Google.

These miners do a lot of work.

Ti rudari rade puno posla.

And every 10 minutes,

A svakih 10 minuta,

kind of like the heartbeat of a network,

poput mrežnog otkucaja srca,

a block gets created

stvara se blok

that has all the transactions from the previous 10 minutes.

koji sadrži sve transakcije iz prethodnih 10 minuta.

Then the miners get to work, trying to solve some tough problems.

Tada se rudari primaju posla, pokušavajući riješiti neke teške probleme.

And they compete:

I natječu se:

the first miner to find out the truth and to validate the block,

prvi rudar koji pronađe istinu i kako ovjeriti blok,

is rewarded in digital currency,

nagrađen je digitalnom valutom,

in the case of the Bitcoin blockchain, with Bitcoin.

u slučaju Bitcoinovog blockchaina, Bitcoinom.

And then -- this is the key part --

A tada -- ovo je ključni dio --

that block is linked to the previous block

taj se blok povezuje sa prethodnim blokom

and the previous block

i prethodnim blokom

to create a chain of blocks.

kako bi stvorio lanac blokova.

And every one is time-stamped,

A svaki ima vremenski žig,

kind of like with a digital waxed seal.

nešto poput digitalnog voštanog pečata.

So if I wanted to go and hack a block

Pa ako bih želio hakirati blok

and, say, pay you and you with the same money,

te, recimo, platiti vama i vama istim novcem,

I'd have to hack that block,

morao bih hakirati taj blok,

plus all the preceding blocks,

plus sve prethodne blokove,

the entire history of commerce on that blockchain,

čitavu povijest trgovine tih ulančanih blokova,

not just on one computer but across millions of computers,

ne samo na jednom računalu već širom milijuna računala,

simultaneously,

istovremeno,

all using the highest levels of encryption,

koja sva koriste najviše razine enkripcije,

in the light of the most powerful computing resource in the world

u svjetlu najmoćnijih računalnih resursa na svijetu

that's watching me.

koji me gledaju.

Tough to do.

Teško.

This is infinitely more secure

Ovo je beskonačno sigurnije

than the computer systems that we have today.

od računalnih sustava koje imamo danas.

Blockchain. That's how it works.

Blockchain. Eto tako radi.

So the Bitcoin blockchain is just one.

Nego, Bitcoinovi ulančani blokovi su tek jedan primjer.

There are many.

Ima ih puno.

The Ethereum blockchain was developed by a Canadian named Vitalik Buterin.

Ethereum blockchain je razvijen od kanađanina imenom Vitalik Buterin.

He's [22] years old,

On je star 22 godine,

and this blockchain has some extraordinary capabilities.

a ovi ulančani blokovi imaju neke izvanredne sposobnosti.

One of them is that you can build smart contracts.

Jedna je od njih kako možete stvarati pametne ugovore.

It's kind of what it sounds like.

To je nešto nalik onome kako zvuči.

It's a contract that self-executes,

To je ugovor koji se sam izvršava,

and the contract handles the enforcement, the management, performance

te ugovor upravlja provođenjem, upravljanjem, izvedbom

and payment -- the contract kind of has a bank account, too, in a sense --

i isplatom -- ugovor na neki način ima i bankovni račun, recimo --

of agreements between people.

sporazuma među ljudima.

And today, on the Ethereum blockchain,

A danas, na Ethereum blockchainu,

there are projects underway to do everything

u tijeku su projekti koji bi činili sve

from create a new replacement for the stock market

od stvaranja nove zamjene za burze dionica

to create a new model of democracy,

do stvaranja novog modela demokracije,

where politicians are accountable to citizens.

gdje su političari odgovorni građanima.

(Applause)

(Pljesak)

So to understand what a radical change this is going to bring,

Kako bismo shvatili koliku će radikalnu promjenu ovo donijeti,

let's look at one industry, financial services.

pogledajmo jednu industriju, financijske usluge.

Recognize this?

Prepoznajete ovo?

Rube Goldberg machine.

Naprava Rube Goldberga.

It's a ridiculously complicated machine that does something really simple,

To je smiješno složena naprava koja čini nešto skroz jednostavno,

like crack an egg or shut a door.

poput razbijanja jaja ili zatvaranja vrata.

Well, it kind of reminds me of the financial services industry,

Pa, na neki me način podsjeća na industriju financijskih usluga,

honestly.

iskreno.

I mean, you tap your card in the corner store,

Mislim, provučete karticu u dućanu na uglu,

and a bitstream goes through a dozen companies,

te tok nula i jedinica prolazi kroz tucet kompanija,

each with their own computer system,

svaka sa svojim vlastitim računalnim sustavom,

some of them being 1970s mainframes

od kojih su neki mainframe računala iz sedamdesetih

older than many of the people in this room,

starija od puno ljudi u ovoj sobi,

and three days later, a settlement occurs.

i tri dana kasnije, dolazi do namirenja.

Well, with a blockchain financial industry,

Pa, sa financijskom industrijom temeljenom na blockchainu,

there would be no settlement,

ne bi bilo namirenja,

because the payment and the settlement is the same activity,

jer su plaćanje i namirenje ista aktivnost,

it's just a change in the ledger.

samo promjena u knjizi računa.

So Wall Street and all around the world,

Pa je na Wall Streetu i svugdje širom svijeta,

the financial industry is in a big upheaval about this,

financijska industrija u velikom preokretu oko ovog,

wondering, can we be replaced,

pitajući se, mogu li nas zamjeniti,

or how do we embrace this technology for success?

ili, kako uspješno prigrliti ovu tehnologiju?

Now, why should you care?

Sad, zašto biste trebali mariti?

Well, let me describe some applications.

Dobro, dajte da opišem neke primjene.

Prosperity.

Blagostanje.

The first era of the internet,

Prva era Interneta,

the internet of information,

Internet informacije,

brought us wealth but not shared prosperity,

donio nam je bogatstvo ali ne i rašireno blagostanje,

because social inequality is growing.

radi porasta društvene nejednakosti.

And this is at the heart of all of the anger and extremism

A to je u srcu sve srdžbe i ekstremizma

and protectionism and xenophobia and worse

i protekcionizma i ksenofobije i gorega

that we're seeing growing in the world today,

koje vidimo u porastu u današnjem svijetu,

Brexit being the most recent case.

od kojih je Brexit najnoviji slučaj.

So could we develop some new approaches to this problem of inequality?

Pa bismo li mogli razviti nove pristupe tom problemu nejednakosti?

Because the only approach today is to redistribute wealth,

Jer jedini pristup danas je preraspodijeliti bogatstvo,

tax people and spread it around more.

oporezovati ljude te dodatno raspršiti bogatstvo.

Could we pre-distribute wealth?

Bismo li mogli unaprijed raspodijeliti bogatstvo?

Could we change the way that wealth gets created in the first place

Bismo li mogli promijeniti način kako se bogatstvo uopće stvara

by democratizing wealth creation,

demokratizirajući stvaranje bogatstva,

engaging more people in the economy,

uključujući više ljudi u ekonomiju,

and then ensuring that they got fair compensation?

te potom osiguravajući da dobiju poštenu nadoknadu?

Let me describe five ways that this can be done.

Dajte da opišem pet načina kroz koje se to može učiniti.

Number one:

Broj jedan:

Did you know that 70 percent of the people in the world who have land

Jeste li znali kako 70 posto ljudi na svijetu koji imaju zemlju

have a tenuous title to it?

imaju tanko pravo vlasništva?

So, you've got a little farm in Honduras, some dictator comes to power,

Dakle, imate malu farmu u Hondurasu, neki diktator dođe na vlast,

he says, "I know you've got a piece of paper that says you own your farm,

kaže: "znam da imate komad papira na kojem stoji kako posjedujete svoju farmu,

but the government computer says my friend owns your farm."

ali vladino računalo kaže kako moj prijatelj posjeduje vašu farmu."

This happened on a mass scale in Honduras,

To se dogodilo na velikoj skali u Hondurasu,

and this problem exists everywhere.

i taj problem postoji posvuda.

Hernando de Soto, the great Latin American economist,

Hernando de Soto, veliki latinoamerički ekonomist,

says this is the number one issue in the world

kaže kako je to svjetski problem broj jedan

in terms of economic mobility,

glede ekonomske pokretljivosti,

more important than having a bank account,

važniji od imanja bakovnog računa,

because if you don't have a valid title to your land,

jer ako nemate valjano pravo vlasništva nad svojom zemljom,

you can't borrow against it,

ne možete ju davati u jamstvo,

and you can't plan for the future.

i ne možete planirati za budućnost.

So today, companies are working with governments

Pa danas, kompanije surađuju sa vladama

to put land titles on a blockchain.

kako bi stavile imovinska prava na blockchain.

And once it's there, this is immutable.

A jednom kad je unutra, nepromjenjivo je.

You can't hack it.

Ne možete ga hakirati.

This creates the conditions for prosperity

To stvara uvjete za blagostanje

for potentially billions of people.

moguće milijardama ljudi.

Secondly:

Drugo:

a lot of writers talk about Uber

puno se piše kako sue Uber

and Airbnb and TaskRabbit and Lyft and so on

i Airbnb i TaskRabbit i Lyft i tako dalje

as part of the sharing economy.

dijelovi dijeljene ekonomije.

This is a very powerful idea,

Ovo je jako moćna ideja,

that peers can come together and create and share wealth.

kako se suradnici mogu okupiti te stvoriti i razdijeliti bogatstvo.

My view is that ...

Moj je pogled kako

these companies are not really sharing.

ta poduzeća zapravo i ne dijele.

In fact, they're successful precisely because they don't share.

Pravo govoreći, one su uspješne upravo stoga što ne dijele.

They aggregate services together, and they sell them.

Oni okupljaju usluge, i oni ih prodaju.

What if, rather than Airbnb being a $25 billion corporation,

Što ako, umjesto da je Airbnb korporacija od 25 miljardi dolara,

there was a distributed application on a blockchain, we'll call it B-Airbnb,

postoji raširena aplikacija na blokchainu, nazovimo je B-Airbnb,

and it was essentially owned by all of the people

a koja je u osnovi u posjedu svih tih ljudi

who have a room to rent.

koji imaju sobu za iznajmiti.

And when someone wants to rent a room,

A kad netko želi unajmiti sobu,

they go onto the blockchain database and all the criteria,

ide na blockchainovu bazu podataka i sve kriterije,

they sift through, it helps them find the right room,

prođe kroz ponudu, pomogne mu naći pravu sobu,

and then the blockchain helps with the contracting,

a potom blockchain pomaže oko ugovaranja,

it identifies the party,

identificira strane,

it handles the payments

upravlja plaćanjem

just through digital payments -- they're built into the system.

samo kroz digitalna plaćanja -- ugrađena su u sustav.

And it even handles reputation,

I čak upravlja reputacijom,

because if she rates a room as a five-star room,

jer ako ona označi sobu kao sobu od pet zvjezdica,

that room is there,

ta je soba tamo,

and it's rated, and it's immutable.

i ocijenjena je, i to je nepromijenjivo.

So, the big sharing-economy disruptors in Silicon Valley

Tako, velika ometala dijeljene ekonomije iz silikonske doline

could be disrupted,

mogu biti ometena,

and this would be good for prosperity.

a to bi bilo dobro za blagostanje.

Number three:

Broj tri:

the biggest flow of funds from the developed world

Najveći tok sredstava iz razvijenog svijeta

to the developing world

u svijet u razvoju

is not corporate investment,

nije korporativno ulaganje,

and it's not even foreign aid.

a nije čak niti međunarodna pomoć.

It's remittances.

To su doznake.

This is the global diaspora;

Ovo je globalna dijaspora;

people have left their ancestral lands,

ljudi su napustili svoje djedovine,

and they're sending money back to their families at home.

te šalju novac nazad svojim obiteljima kod kuće.

This is 600 billion dollars a year, and it's growing,

To je 600 milijardi dolara godišnje, i raste,

and these people are getting ripped off.

a ti ljudi bivaju oderani.

Analie Domingo is a housekeeper.

Analie Domingo je domaćica.

She lives in Toronto,

Ona živi u Torontu,

and every month she goes to the Western Union office

i svaki mjesec ide u Western Unionovu poslovnicu

with some cash

s nešto gotovine

to send her remittances to her mom in Manila.

kako bi poslala doznaku svojoj mami u Manili.

It costs her around 10 percent;

To ju košta oko 10 posto;

the money takes four to seven days to get there;

novcu treba četiri do sedam dana da tamo stigne;

her mom never knows when it's going to arrive.

njena mama nikad ne zna kada će stići.

It takes five hours out of her week to do this.

Uzima joj pet sati njenog tjedna kako bi ovo izvela.

Six months ago,

Prije 6 mjeseci,

Analie Domingo used a blockchain application called Abra.

Analie Domingo je upotrijebila blockchain aplikaciju imenom Abra.

And from her mobile device, she sent 300 bucks.

I sa svog mobilnog uređaja, poslala je 300 dolara.

It went directly to her mom's mobile device

Otišli su direktno na mobilni uređaj njene mame

without going through an intermediary.

bez prolaska kroz posrednika.

And then her mom looked at her mobile device --

A tad je njena mama pogledala na svoj mobilni uređaj --

it's kind of like an Uber interface, there's Abra "tellers" moving around.

donekle je sličan sučelju Ubera, Abra "blagajnici" se kreću uokolo.

She clicks on a teller that's a five-star teller,

Klikne na blagajnika koji ima pet zvijezdica,

who's seven minutes away.

koji je sedam minuta od nje.

The guy shows up at the door, gives her Filipino pesos,

Čovjek dolazi na vrata, daje joj Filipinske pesose,

she puts them in her wallet.

ona ih stavlja u novčanik.

The whole thing took minutes,

Cijela stvar traje u minutama,

and it cost her two percent.

a košta ju dva posto.

This is a big opportunity for prosperity.

To je velika prilika za blagostanje.

Number four: the most powerful asset of the digital age is data.

Broj četiri: najmoćnija imovina digitalnog doba su podaci.

And data is really a new asset class,

A podaci su zapravo nova klasa imovine,

maybe bigger than previous asset classes,

možda veća nego prijašnje klase imovine,

like land under the agrarian economy,

poput zemlje pod agrarnom ekonomijom,

or an industrial plant,

ili tvornice,

or even money.

ili čak novca.

And all of you -- we -- create this data.

A svi vi -- mi -- stvaramo te podatke.

We create this asset,

Mi stvaramo tu imovinu,

and we leave this trail of digital crumbs behind us

i ostavljamo taj trag digitalnih mrvica iza nas

as we go throughout life.

kako se krećemo kroz život.

And these crumbs are collected into a mirror image of you,

Te mrvice bivaju skupljene u vašu zrcalnu sliku,

the virtual you.

virtualne vas.

And the virtual you may know more about you than you do,

A virtualni vi može znati više o vama nego vi sami,

because you can't remember what you bought a year ago,

jer vi se ne možete sjetiti što ste kupili prije godinu dana,

or said a year ago, or your exact location a year ago.

ili rekli prije godinu dana, ili vaše točne lokacije prije godinu dana.

And the virtual you is not owned by you --

A virtualni vi nije u vašem vlasništvu --

that's the big problem.

to je veliki problem.

So today, there are companies working

Pa danas, postoje kompanije koje rade

to create an identity in a black box,

na izradi identiteta u crnoj kutiji,

the virtual you owned by you.

virtualnih vas u vašem vlasništvu.

And this black box moves around with you

Ta se crna kutija kreće uokolo sa vama

as you travel throughout the world,

kako putujete kroz svijet,

and it's very, very stingy.

i vrlo je, vrlo škrta.

It only gives away the shred of information

Daje samo trunku informacije

that's required to do something.

koliko je potrebno za obaviti štogod.

A lot of transactions,

Puno transakcija,

the seller doesn't even need to know who you are.

prodavatelj čak i ne mora znati tko ste vi.

They just need to know that they got paid.

Samo moraju znati kako su isplaćeni.

And then this avatar is sweeping up all of this data

A potom ovaj avatar briše sve te podatke

and enabling you to monetize it.

i omogućuje vam da ih unovčite.

And this is a wonderful thing,

A to je divna stvar,

because it can also help us protect our privacy,

jer nam može pomoći zaštititi našu privatnost,

and privacy is the foundation of a free society.

a privatnost je temelj slobodnog društva.

Let's get this asset that we create

Uzmimo ovu imovinu koju stvaramo

back under our control,

nazad pod našu kontrolu,

where we can own our own identity

gdje možemo posjedovati naš vlastiti identitet

and manage it responsibly.

i odgovorno njime upravljati.

Finally --

Konačno --

(Applause)

(Pljesak)

Finally, number five:

Konačno, broj pet:

there are a whole number of creators of content

postoji čitav broj stvaratelja sadržaja

who don't receive fair compensation,

koji ne primaju pravičnu naknadu,

because the system for intellectual property is broken.

jer je sustav intelektualnog vlasništva slomljen.

It was broken by the first era of the internet.

Slomio se prvom erom Interneta.

Take music.

Uzmite muziku.

Musicians are left with crumbs at the end of the whole food chain.

Glazbenici su ostavljeni s mrvicama na samom kraju hranidbenog lanca.

You know, if you were a songwriter, 25 years ago, you wrote a hit song,

Znate, kad biste bili kantautor, prije 25 godina, i napisali hit pjesmu,

it got a million singles,

ona dobije milijun singlica,

you could get royalties of around 45,000 dollars.

mogli biste dobiti honorar oko 45.000 dolara.

Today, you're a songwriter, you write a hit song,

Danas, vi ste kantautor, napišete hit pjesmu,

it gets a million streams,

dobije milijun pogodaka,

you don't get 45k,

ne dobijete 45k,

you get 36 dollars,

dobijete 36 dolara,

enough to buy a nice pizza.

dovoljno za bolju večeru.

So Imogen Heap,

Pa Imogen Heap,

the Grammy-winning singer-songwriter,

Grammyjem nagrađena pjevačica i kantautor,

is now putting music on a blockchain ecosystem.

sad stavlja muziku na blockchainov ekosustav.

She calls it "Mycelia."

Ona to naziva "Mycelia."

And the music has a smart contract surrounding it.

A muzika ima oko sebe pametni ugovor.

And the music protects her intellectual property rights.

I muzika štiti njena prava intelektualnog vlasništva.

You want to listen to the song?

Želite čuti pjesmu?

It's free, or maybe a few micro-cents that flow into a digital account.

Besplatna je, ili možda nekoliko mikro-centi koji lete u digitalni račun.

You want to put the song in your movie, that's different,

Želite staviti pjesmu u svoj film, to je drugačije,

and the IP rights are all specified.

a sva su prava int. vlasništva navedena.

You want to make a ringtone? That's different.

Želite napraviti zvuk zvona? To je drugačije.

She describes that the song becomes a business.

Opisuje kako pjesma postaje posao.

It's out there on this platform marketing itself,

Ona putem ove platforme reklamira samu sebe,

protecting the rights of the author,

štiti prava autora,

and because the song has a payment system

a stoga što pjesma ima sustav naplate

in the sense of bank account,

u smislu bankovnog računa,

all the money flows back to the artist,

sav novac teče nazad umjetniku,

and they control the industry,

i oni kontroliraju industriju,

rather than these powerful intermediaries.

prije nego ovi moćni posrednici.

Now, this is --

Sad, ovo je --

(Applause)

(Pljesak)

This is not just songwriters,

Ovo je ne samo za kantautore,

it's any creator of content,

to je za sve stvaratelje sadržaja,

like art,

poput umjetnosti,

like inventions,

poput izuma,

scientific discoveries, journalists.

znanstvenih otkrića, novinara.

There are all kinds of people who don't get fair compensation,

Ima svakakvih ljudi koji ne dobijaju poštenu nadoknadu,

and with blockchains,

a sa blockchainima,

they're going to be able to make it rain on the blockchain.

biti će u mogućnosti stvarati kišu na blockchainu.

And that's a wonderful thing.

A to je čudesna stvar.

So, these are five opportunities

eto, to je pet prilika

out of a dozen

od tuceta

to solve one problem, prosperity,

kako riješiti jedan problem, blagostanje,

which is one of countless problems

koji je jedan od bezbrojnih problema

that blockchains are applicable to.

na koje su blockchaini primjenjivi.

Now, technology doesn't create prosperity, of course -- people do.

Sad, tehnologija ne kreira blagostanje, naravno -- to čine ljudi.

But my case to you is that, once again,

Ali moj slučaj pred vama je kako, još jednom,

the technology genie has escaped from the bottle,

tehnološki je duh pobjegao iz boce,

and it was summoned by an unknown person or persons

i prizvala ga je nepoznata osoba ili osobe

at this uncertain time in human history,

u ovom nesigurnom vremenu ljudske povijesti,

and it's giving us another kick at the can,

i daje nam još jedan pokušaj,

another opportunity to rewrite the economic power grid

još jednu priliku nanovo ispisati ekonomsku mrežu moći

and the old order of things,

i stari poredak stvari,

and solve some of the world's most difficult problems,

te riješiti neke od svjetskih najsloženijih problema,

if we will it.

ako to želimo.

Thank you.

Hvala Vam.

(Applause)

(Pljesak)