How the blockchain is changing money and business | Don Tapscott

Prevodilac: Ivana Krivokuća Lektor: Tijana Mihajlović

The technology likely to have the greatest impact

Tehnologija koja će verovatno imati najveći uticaj

on the next few decades

na narednih nekoliko decenija

has arrived.

je stigla.

And it's not social media.

To nisu društveni mediji.

It's not big data.

To nisu veliki podaci.

It's not robotics.

Nije u pitanju robotika.

It's not even AI.

Čak nije ni veštačka inteligencija.

You'll be surprised to learn

Iznenadiće vas saznanje

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

da se radi o tehnologiji koja je u osnovi digitalnih valuta kao što je bitkoin.

It's called the blockchain. Blockchain.

Naziva se blokčejn. Blokčejn.

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

Nije najzvučnija reč na svetu,

but I believe that this is now

ali verujem da je to sada

the next generation of the internet,

sledeća generacija interneta,

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

i da daje velika obećanja svakom poslu, svakom društvu

and for all of you, individually.

i svakome od vas pojedinačno.

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

Znate, proteklih nekoliko decenija, imali smo internet informacija.

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

Kada vam pošaljem imejl, fajl Pauer Pointa ili bilo šta,

I'm actually not sending you the original,

zapravo vam ne šaljem original,

I'm sending you a copy.

već vam šaljem kopiju.

And that's great.

To je sjajno.

This is democratized information.

To je demokratizovana informacija.

But when it comes to assets --

Međutim, kada se radi o imovini -

things like money,

o stvarima kao što je novac,

financial assets like stocks and bonds,

finansijska sredstva kao što su akcije i obveznice,

loyalty points, intellectual property,

poeni za lojalnost, intelektualna svojina,

music, art, a vote,

muzika, umetnost, birački glasovi,

carbon credit and other assets --

kredit za ugljenik i ostala sredstva -

sending you a copy is a really bad idea.

slanje kopije je veoma 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 --

vrlo je važno da novac više nije kod mene -

(Laughter)

(Smeh)

and that I can't send it to you.

tako da ne mogu da vam ga pošaljem.

This has been called the "double-spend" problem

To su kriptografi dugo nazivali problem „dvostruke potrošnje“.

by cryptographers for a long time.

So today, we rely entirely on big intermediaries --

Danas se potpuno oslanjamo na velike posrednike

middlemen like banks, government,

kao što su banke, vlada,

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

velike kompanije društvenih medija, kompanije za kreditne kartice itd.

to establish trust in our economy.

da bismo uspostavili poverenje u našu ekonomiju.

And these intermediaries perform all the business and transaction logic

Ovi posrednici izvršavaju logiku svih poslova i transakcija

of every kind of commerce,

svake vrste razmene,

from authentication, identification of people,

od dokazivanja autentičnosti, identifikacije ljudi,

through to clearing, settling and record keeping.

do kliringa, izmirenja i vođenja evidencije.

And overall, they do a pretty good job.

Sve u svemu, prilično dobro obavljaju posao.

But there are growing problems.

Međutim, postoje problemi u porastu.

To begin, they're centralized.

Za početak, centralizovani su.

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

To znači da se mogu hakovati, i sve više ih hakuju -

JP Morgan, the US Federal Government,

JP Morgan, federalna vlada SAD-a,

LinkedIn, Home Depot and others

LinkedIn, Houm Dipo i drugi

found that out the hard way.

su to otkrili na teži način.

They exclude billions of people from the global economy,

Odstranjuju milijarde ljudi iz svetske ekonomije,

for example, people who don't have enough money

na primer, ljude koji nemaju dovoljno novca

to have a bank account.

da bi imali račun u banci.

They slow things down.

Oni usporavaju stvari.

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

Za imejl može biti potrebna sekunda da se pošalje širom sveta,

but it can take days or weeks

ali može potrajati nekoliko dana ili nedelja dok se novac ne pokrene

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

kroz bankarski sistem u okviru jednog grada.

And they take a big piece of the action --

Oni uzimaju znatnu količinu dobiti -

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

10 do 20 posto samo da bi poslali novac u drugu zemlju.

They capture our data,

Zaplene naše podatke, a to znači da od njih ne možemo ostvarivati zaradu

and that means we can't monetize it

or use it to better manage our lives.

niti ih koristiti da bolje upravljamo svojim životom.

Our privacy is being undermined.

Naša privatnost je podrivena.

And the biggest problem is that overall,

A najveći problem je što su, sve u svemu,

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

asimetrično prisvojili obilje darova digitalnog doba -

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

imamo stvaranje bogatstva, ali i društvenu nejednakost u porastu.

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

Šta ako ne bi postojao samo internet informacija,

what if there were an internet of value --

kako bi bilo kada bi postojao internet vrednosti -

some kind of vast, global, distributed ledger

neka vrsta ogromnog, globalnog, raspodeljenog registra

running on millions of computers

koji cirkuliše na milionima kompjutera

and available to everybody.

i dostupan je svima,

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

a gde bi se svaka vrsta imovine, od novca do muzike,

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

mogla skladištiti, premeštati, sa njom se vršiti transakcije,

razmenjivati i upravljati, sve to bez moćnih posrednika?

all without powerful intermediaries?

What if there were a native medium for value?

Šta ako bi postojao domaći medijum za vrednost?

Well, in 2008, the financial industry crashed

Pa, 2008. godine se srušila finansijska industrija

and, perhaps propitiously,

i, možda u pravi čas,

an anonymous person or persons named Satoshi Nakamoto

anonimna osoba ili osobe po imenu Satoši Nakamoto

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

stvorio je dokument

u kome je razvio protokol za digitalni novac

that used an underlying cryptocurrency called Bitcoin.

koji je u osnovi koristio kriptovalutu zvanu bitkoin.

And this cryptocurrency enabled people to establish trust and do transactions

Ta kriptovaluta je omogućila ljudima da uspostave poverenje i vrše transakcije

without a third party.

bez trećeg lica.

And this seemingly simple act set off a spark

Ovaj naizgled jednostavan čin aktivirao je iskru

that ignited the world,

koja je zapalila svet,

that has everyone excited or terrified or otherwise interested

zbog koje su svi postali uzbuđeni, užasnuti ili na drugi način zainteresovani

in many places.

na mnogim mestima.

Now, don't be confused about Bitcoin --

Nemojte da vas zbunjuje bitkoin -

Bitcoin is an asset; it goes up and down,

to je stvar od vrednosti; raste i pada,

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

a to bi trebalo da vas zanima ako ste špekulant.

More broadly, it's a cryptocurrency.

Šire gledano, to je kriptovaluta.

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

To nije dekretna valuta koju kontroliše država,

And that's of greater interest.

a to je od većeg značaja.

But the real pony here is the underlying technology.

Ono što je zaista zanimljivo ovde jeste tehnologija koja se nalazi u osnovi.

It's called blockchain.

Naziva se blokčejn.

So for the first time now in human history,

Sada prvi put u ljudskog istoriji

people everywhere can trust each other

ljudi sa svih strana mogu verovati jedni drugima

and transact peer to peer.

i međusobno vršiti transakcije.

And trust is established, not by some big institution,

Poverenje ne uspostavlja neka velika institucija

but by collaboration, by cryptography

već saradnja, kriptografija

and by some clever code.

i izvestan pametni kod.

And because trust is native to the technology,

Pošto je poverenje prirodno za tehnologiju,

I call this, "The Trust Protocol."

ovo nazivam „protokol poverenja“.

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

Verovatno se pitate: „Kako to funkcioniše?“

Fair enough.

Pošteno.

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

Imovina - digitalna sredstva poput novca, do muzike i svega između -

are not stored in a central place,

ne čuvaju se na nekom glavnom mestu,

but they're distributed across a global ledger,

već su raspodeljena u okviru globalnog registra,

using the highest level of cryptography.

koristeći najviši nivo kriptografije.

And when a transaction is conducted,

Kada se transakcija izvrši,

it's posted globally,

to se objavljuje na globalnom nivou,

across millions and millions of computers.

na milionima kompjutera.

And out there, around the world,

Tamo negde, širom sveta,

is a group of people called "miners."

postoji grupa ljudi koji se zovu „rudari“.

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

To su rudari bitkoina.

They have massive computing power at their fingertips --

Imaju ogromnu računarsku snagu na dohvat ruke -

10 to 100 times bigger than all of Google worldwide.

10 do 100 puta veću od celokupne moći Gugla širom sveta.

These miners do a lot of work.

Ti rudari mnogo rade.

And every 10 minutes,

Svakih deset minuta,

kind of like the heartbeat of a network,

poput otkucaja srca mreže,

a block gets created

stvara se blok

that has all the transactions from the previous 10 minutes.

koji sadrži sve transakcije od prethodnih 10 minuta.

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

Zatim rudari prionu na posao, pokušavajući da reše neke teške probleme.

And they compete:

Oni se nadmeću.

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

Prvi rudar koji otkrije istinu i potvrdi blok

is rewarded in digital currency,

bude nagrađen digitalnom valutom,

in the case of the Bitcoin blockchain, with Bitcoin.

a to je, u slučaju bitkoinovog blokčejna, bitkoin.

And then -- this is the key part --

A zatim, a ovo je ključni deo,

that block is linked to the previous block

taj blok je povezan sa prethodnim blokom

and the previous block

i blokom pre njega

to create a chain of blocks.

da bi stvorili lanac blokova.

And every one is time-stamped,

Svaki od njih dobije oznaku sa vremenom, poput digitalnog pečatiranja voskom.

kind of like with a digital waxed seal.

So if I wanted to go and hack a block

Tako ako bih hteo da hakujem blok

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

i, recimo, da vama i vama platim istim novcem,

I'd have to hack that block,

morao bih da hakujem taj blok,

plus all the preceding blocks,

plus sve prethodne blokove,

the entire history of commerce on that blockchain,

čitavu istoriju razmene na tom blokčejnu,

not just on one computer but across millions of computers,

ne samo na jednom kompjuteru već na milionima kompjutera,

simultaneously,

istovremeno,

all using the highest levels of encryption,

koristeći najviše nivoe enkripcije

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

imajući u vidu najmoćniji kompjuterski izvor na svetu

that's watching me.

koji me posmatra.

Tough to do.

Teško je to obaviti.

This is infinitely more secure

Ovo je beskonačno bezbednije

than the computer systems that we have today.

od kompjuterskih sistema koje imamo danas.

Blockchain. That's how it works.

Blokčejn. Tako funkcioniše.

So the Bitcoin blockchain is just one.

Bitkoinov blokčejn je samo jedan. Postoji ih mnogo.

There are many.

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

Itirijumov blokčejn je razvio Kanađanin po imenu Vitalik Buterin.

He's [22] years old,

Ima 19 godina

and this blockchain has some extraordinary capabilities.

i njegov blokčejn ima neke izuzetne sposobnosti.

One of them is that you can build smart contracts.

Jedna od njih je da možete sačiniti pametne ugovore.

It's kind of what it sounds like.

To je otprilike onako kao što i zvuči.

It's a contract that self-executes,

To je ugovor koji se samoizvršava,

and the contract handles the enforcement, the management, performance

a ugovor reguliše primenjivanje, upravljanje, izvršavanje

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

i uplatu - ugovor na neki način ima bankovni račun -

of agreements between people.

sporazuma između ljudi.

And today, on the Ethereum blockchain,

Danas na itirijumovom blokčejnu

there are projects underway to do everything

postoje projekti na putu da urade sve,

from create a new replacement for the stock market

od stvaranja nove zamene za berzu

to create a new model of democracy,

do stvaranja novog modela demokratije

where politicians are accountable to citizens.

u kome bi političari odgovarali građanima.

(Applause)

(Aplauz)

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

Kako bismo razumeli kakvu će radikalnu promenu ovo doneti,

let's look at one industry, financial services.

pogledajmo jednu industriju, finansijske usluge.

Recognize this?

Prepoznajete li ovo?

Rube Goldberg machine.

Mašina Ruba Goldberga.

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

To je smešno komplikovana mašina koja radi nešto veoma jednostavno,

like crack an egg or shut a door.

kao što je razbijanje jajeta ili zatvaranje vrata.

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

Pa, nekako me podseća na industriju finansijskih usluga,

honestly.

iskreno.

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

Mislim, provučete karticu u prodavnici na uglu

and a bitstream goes through a dozen companies,

i bitski protok se kreće kroz desetine kompanija,

each with their own computer system,

od kojih svaka ima sopstveni računarski sistem,

some of them being 1970s mainframes

a neki od njih su mejnfrejmovi iz '70-ih,

older than many of the people in this room,

stariji od mnogih ljudi u ovoj prostoriji,

and three days later, a settlement occurs.

i tri dana kasnije se dešava poravnanje.

Well, with a blockchain financial industry,

Sa blokčejnovom finansijskom industrijom,

there would be no settlement,

ne bi bilo poravnanja,

because the payment and the settlement is the same activity,

jer su plaćanje i poravnanje ista aktivnost.

To je samo sitniš u registru.

it's just a change in the ledger.

So Wall Street and all around the world,

Tako su Vol Strit i svi širom sveta,

the financial industry is in a big upheaval about this,

finansijska industrija je veoma uskomešana zbog ovoga,

wondering, can we be replaced,

pitajući se da li može biti zamenjena

or how do we embrace this technology for success?

ili kako da prigrlimo ovu tehnologiju radi uspeha.

Now, why should you care?

Zašto bi vas bilo briga?

Well, let me describe some applications.

Pa, dopustite da objasnim neke primene.

Prosperity.

Prosperitet.

The first era of the internet,

Prva era interneta,

the internet of information,

interneta informacija,

brought us wealth but not shared prosperity,

donela nam je bogatstvo ali ne i zajednički prosperitet,

because social inequality is growing.

jer je društvena nejednakost u porastu.

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

To je u srcu celokupnog besa, ekstremizma,

and protectionism and xenophobia and worse

protekcionizma, ksenofobije i gorih stvari

that we're seeing growing in the world today,

koje viđamo u porastu u današnjem svetu.

Brexit being the most recent case.

Bregzit je najskoriji primer.

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

Da li bismo mogli razviti neke nove pristupe

ovom problemu nejednakosti?

Because the only approach today is to redistribute wealth,

Jer, jedini pristup danas je da se preraspodeli bogatstvo,

tax people and spread it around more.

oporezuje narod i pronese se više okolo.

Could we pre-distribute wealth?

Možemo li unapred raspodeliti bogatstvo?

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

Možemo li promeniti način na koji bogatstvo uopšte nastaje

by democratizing wealth creation,

demokratizacijom stvaranja bogatstva,

engaging more people in the economy,

angažovanjem više ljudi u ekonomiji,

and then ensuring that they got fair compensation?

a zatim obezbeđivanjem da dobijaju poštenu nadoknadu?

Let me describe five ways that this can be done.

Dozvolite da objasnim pet načina na koje se ovo može sprovesti.

Number one:

Broj jedan -

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

da li ste znali da 70 posto ljudi u svetu koji poseduju zemljište

have a tenuous title to it?

ima malo prava na njega?

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

Tako, ako 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,

i kaže: „Znam da imaš papir koji kaže da poseduješ svoju farmu,

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

ali vladin kompjuter kaže da moj prijatelj poseduje tvoju farmu.“

This happened on a mass scale in Honduras,

Ovo se dešavalo u ogromnoj meri u Hondurasu,

and this problem exists everywhere.

a taj problem postoji svuda.

Hernando de Soto, the great Latin American economist,

Hernando De Soto, veliki latinoamerički ekonomista,

says this is the number one issue in the world

kaže da je ovo svetski problem broj jedan

in terms of economic mobility,

u pogledu ekonomske pokretljivosti,

more important than having a bank account,

što je važnije od posedovanja bankovnog računa,

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

jer ako nemate važeće pravo na svoju zemlju,

you can't borrow against it,

ne možete je založiti

and you can't plan for the future.

i ne možete praviti planove za budućnost.

So today, companies are working with governments

Zato kompanije danas sarađuju sa vladama

to put land titles on a blockchain.

da bi postavile na blokčejn pravo na zemljište.

And once it's there, this is immutable.

Kada se nađe tamo, to je nepromenljivo.

You can't hack it.

Ne možete ga hakovati.

This creates the conditions for prosperity

Ovo stvara uslove za napredak

for potentially billions of people.

za potencijalno milijarde ljudi.

Secondly:

Drugo,

a lot of writers talk about Uber

mnogi pisci govore o Uberu,

and Airbnb and TaskRabbit and Lyft and so on

Er-bi-en-biju, Taskrabitu, Liftu i tako dalje,

as part of the sharing economy.

kao o delu ekonomije deljenja.

This is a very powerful idea,

Ovo je veoma moćna ideja,

that peers can come together and create and share wealth.

da se slični ljudi mogu okupiti, stvoriti i podeliti bogatstvo.

My view is that ...

Moje gledište je

these companies are not really sharing.

da ove kompanije u stvari ne dele.

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

Zapravo, uspešne su upravo zato što ne dele.

They aggregate services together, and they sell them.

One udružuju usluge i prodaju ih.

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

Šta bi bilo kada bi, umesto da Er-bi-en-bi bude korporacija sa 25 milijardi dolara,

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

postojala raspodeljena aplikacija na blokčejnu, nazvaćemo je Bi-er-bi-en-bi,

and it was essentially owned by all of the people

a nad kojom bi u suštini imali vlasništvo svi ljudi

who have a room to rent.

koji imaju sobu za iznajmljivanje.

And when someone wants to rent a room,

Kada neko želi da iznajmi sobu,

they go onto the blockchain database and all the criteria,

odu na bazu podataka blokčejna i prelista sve kriterijume,

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

to im pomogne da nađu pravu sobu,

and then the blockchain helps with the contracting,

a zatim im blokčejn pomogne oko sklapanja ugovora,

it identifies the party,

identifikuje drugu stranu,

it handles the payments

rukovodi uplatama samo kroz digitalne uplate -

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

ugrađene su u sistem.

And it even handles reputation,

Čak se bavi i reputacijom,

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

jer ako ona oceni sobu sa pet zvezdica,

that room is there,

ta soba je tamo,

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

ocenjena je i to je nepromenljivo.

So, the big sharing-economy disruptors in Silicon Valley

Dakle, remetioci velike ekonomije deljenja u Silicijumskoj dolini

could be disrupted,

bi se mogli poremetiti,

and this would be good for prosperity.

a to bi bilo dobro za prosperitet.

Number three:

Broj tri -

the biggest flow of funds from the developed world

najveći priliv sredstava iz razvijenog sveta

to the developing world

ka zemljama u razvoju

is not corporate investment,

nisu korporativna ulaganja,

and it's not even foreign aid.

a to čak nije ni strana pomoć.

It's remittances.

To su doznake iz inostranstva.

This is the global diaspora;

U pitanju je globalna dijaspora;

people have left their ancestral lands,

ljudi su napustili zemlju svojih predaka

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

i šalju novac svojim porodicama kod kuće.

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

To je 600 milijardi dolara godišnje i u porastu je, a te ljude pelješe.

and these people are getting ripped off.

Analie Domingo is a housekeeper.

Anali Domingo je kućna pomoćnica.

She lives in Toronto,

Živi u Torontu

and every month she goes to the Western Union office

i svakoga meseca odlazi u poslovnicu Vestern Juniona

with some cash

sa nešto gotovine

to send her remittances to her mom in Manila.

da bi poslala doznake svojoj mami u Manili.

It costs her around 10 percent;

To je košta oko 10 posto;

the money takes four to seven days to get there;

potrebno je četiri do sedam dana da novac tamo stigne;

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

njena mama nikada ne zna kada će stići.

Oduzima joj pet sati nedeljno da to uradi.

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

Six months ago,

Pre šest meseci,

Analie Domingo used a blockchain application called Abra.

Anali Domingo je upotrebila blokčejn aplikaciju zvanu Abra.

And from her mobile device, she sent 300 bucks.

Sa svog mobilnog telefona je poslala 300 dolara.

It went directly to her mom's mobile device

Otišlo je direktno na mobilni uređaj njene mame,

without going through an intermediary.

bez posrednika.

And then her mom looked at her mobile device --

Kada je njena mama pogledala svoj mobilni -

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

poput Uberovog interfejsa je, tu su Abrini „blagajnici“ koji se kreću okolo.

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

Ona klikne na blagajnika koji ima pet zvezdica,

who's seven minutes away.

a koji je udaljen samo sedam minuta.

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

Tip se pojavi na vratima, da joj filipinske pezose

she puts them in her wallet.

i ona ih stavlja u novčanik.

The whole thing took minutes,

Cela stvar je trajala nekoliko minuta

and it cost her two percent.

i koštala ju je dva posto.

This is a big opportunity for prosperity.

Ovo je velika prilika za prosperitet.

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,

Podaci su zaista nova kategorija imovine,

maybe bigger than previous asset classes,

možda veća od prethodnih kategorija,

like land under the agrarian economy,

kao zemljište u agrarnoj privredi,

or an industrial plant,

industrijski pogon,

or even money.

ili čak novac.

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

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 trag digitalnih mrvica za sobom

as we go throughout life.

dok se krećemo kroz život.

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

Te mrvice se sakupljaju u vaš odraz,

the virtual you.

vašu virtuelnu ličnost.

Vaša virtuelna ličnost može znati više o vama nego što vi znate,

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

jer se ne možete setiti šta ste kupili ili rekli pre godinu dana,

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

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

niti koja je bila vaša tačna lokacija pre godinu dana.

And the virtual you is not owned by you --

A vašu virtuelnu ličnost ne posedujete vi;

that's the big problem.

to je veliki problem.

So today, there are companies working

Danas postoje kompanije koje rade

to create an identity in a black box,

na tome da stvore identitet u crnoj kutiji,

the virtual you owned by you.

vašu virtuelnu ličnost koju vi posedujete.

And this black box moves around with you

Ta crna kutija se kreće sa vama

as you travel throughout the world,

dok putujete svetom

and it's very, very stingy.

i veoma je škrta.

It only gives away the shred of information

Daje samo delić informacije

that's required to do something.

koji je neophodan da se nešto uradi.

A lot of transactions,

Pri većini transakcija,

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

prodavac čak ni ne mora da zna ko ste.

They just need to know that they got paid.

Samo treba da zna da je dobio uplatu.

And then this avatar is sweeping up all of this data

Zatim avatar čisti sve te podatke

and enabling you to monetize it.

i omogućava vam da ih unovčite.

And this is a wonderful thing,

To je sjajna stvar

because it can also help us protect our privacy,

jer nam takođe može pomoći da zaštitimo privatnost,

and privacy is the foundation of a free society.

a privatnost je osnova slobodnog društva.

Let's get this asset that we create

Hajde da vratimo vrednosti koje stvaramo

back under our control,

pod svoju kontrolu,

where we can own our own identity

gde možemo imati vlasništvo nad svojim identitetom

and manage it responsibly.

i odgovorno upravljati njime.

Finally --

Konačno -

(Applause)

(Aplauz)

Finally, number five:

Konačno, broj pet -

there are a whole number of creators of content

postoji znatan broj kreatora sadržaja

who don't receive fair compensation,

koji ne dobijaju poštenu nadoknadu

because the system for intellectual property is broken.

jer je uništen sistem za intelektualnu svojinu.

It was broken by the first era of the internet.

Uništilo ga je prvo doba interneta.

Take music.

Uzmite muziku.

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

Muzičarima ostaju mrvice na kraju čitavog lanca ishrane.

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

Znate, ako ste tekstopisac pre 25 godina i napišete pesmu koja je hit,

it got a million singles,

dobije milion singlova,

you could get royalties of around 45,000 dollars.

mogli ste dobiti honorar od oko 45 000 dolara.

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

Danas, ako ste tekstopisac i napišete pesmu koja je hit,

it gets a million streams,

dobije milione preslušavanja,

you don't get 45k,

ne dobijate 45 hiljada,

you get 36 dollars,

dobijete 36 dolara,

enough to buy a nice pizza.

dovoljno da kupite finu picu.

So Imogen Heap,

Imodžen Hip,

the Grammy-winning singer-songwriter,

pevačica i tekstopisac, dobitnica Gremija,

is now putting music on a blockchain ecosystem.

sada postavlja muziku u blokčejn ekosistem.

She calls it "Mycelia."

Naziva ga „Micelija“.

And the music has a smart contract surrounding it.

Ta muzika ima pametan ugovor kojim je obuhvaćena

And the music protects her intellectual property rights.

i ta muzika štiti njena prava na intelektualnu svojinu.

Želite da poslušate pesmu?

You want to listen to the song?

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

Besplatno je,

ili možda nekoliko mikrocenti koji odlaze na digitalni račun.

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

Ako želite da stavite pesmu u svoj film, to je drugo,

and the IP rights are all specified.

i naznačena su prava intelektualne svojine.

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

Želite da napravite melodiju za mobilni? To je drugačije.

She describes that the song becomes a business.

Ona opisuje kako pesma postaje posao.

It's out there on this platform marketing itself,

Nalazi se na toj platformi promovišući samu sebe,

protecting the rights of the author,

štiteći prava autora,

and because the song has a payment system

a pošto pesma ima sistem uplate

in the sense of bank account,

u smislu bankovnog računa,

all the money flows back to the artist,

sav novac odlazi umetniku

and they control the industry,

i oni kontrolišu industriju

rather than these powerful intermediaries.

umesto tih moćnih posrednika.

Now, this is --

E, sad, ovo -

(Applause)

(Aplauz)

This is not just songwriters,

Ovo nije samo za tekstopisce, već za bilo koje kreatore sadržaja,

it's any creator of content,

like art,

kao što je umetnost,

like inventions,

pronalasci,

scientific discoveries, journalists.

naučna otkrića, novinari.

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

Postoje raznorazni ljudi koji ne dobijaju pravičnu nadoknadu,

and with blockchains,

a sa blokčejnom

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

će biti u mogućnosti da zatrpaju blokčejn novcem,

And that's a wonderful thing.

a to je sjajna stvar.

So, these are five opportunities

Dakle, ovo je pet prilika

out of a dozen

od desetine

to solve one problem, prosperity,

da se reši jedan problem, prosperitet,

which is one of countless problems

a to je jedan od bezbroj problema

that blockchains are applicable to.

na koje se blokčejnovi mogu primeniti.

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

Naravno, tehnologija ne stvara prosperitet, već ljudi.

But my case to you is that, once again,

No, ono što vam predočavam je da je, još jednom,

the technology genie has escaped from the bottle,

duh tehnologije pobegao 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 ovo nesigurno vreme ljudske istorije,

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

a pruža nam drugi pokušaj,

another opportunity to rewrite the economic power grid

drugu priliku da iznova ispišemo mrežu ekonomske moći

and the old order of things,

i stari poredak stvari,

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

kao i da rešimo neke od najtežih problema sveta,

if we will it.

ako budemo voljni za to.

Thank you.

Hvala.

(Applause)

(Aplauz)