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Blockchain enters the trillion rental market: Exploration and challenges behind a "Utopia"

Time : 04/07/2021 Author : faq2im Click : + -
        As netizens hotly discussed, beautiful girls live in beautiful pictures, beautiful houses are all grown in the photos on the 58 city website, and large pieces of beef and crystal clear vegetables that seem to be fragrant are always only printed on the instant noodles box. When you raise questions, you face the torture of the intermediary from the soul:. However, according to the Research Report of linktower think tank, the total transaction volume of China's housing rental market in 2017 was about 1.2 trillion yuan, and the rental population was 194million, accounting for 13.9% of the total population. It is estimated that by 2025, the total rent will exceed 3trillion yuan for the first time, and the rental population will increase to 252million. By 2030, the total rent will reach 4.6 trillion yuan, and nearly 300million people will have rental demand.
        When people are complaining about the fake housing supply of 58 rental websites in the same city, led by chain home, its long-term rental apartment brands such as free and eggshell are quietly rising. With real houses, fine decoration, high quality, high price and strong operation, the free eggshell rental model accounts for half of the long-term rental apartments. With the gradual implementation of China's "rent and sell same rights" policy, more and more enterprises began to participate in the housing rental market. In addition to a variety of long and short rent apartments, B & B also began to rise in recent years. With the explosion of older apartments in 2018, people began to focus on the problems of high rental prices, opaque funds, and improper use of rental and asset securitization.
        At that time, blockchain technology was in the wind, and people naturally linked blockchain with renting: breaking information asymmetry and building trust between people and things. Blockchain technology is expected to make houses more authentic, leasing parties more credible, and leasing processes more transparent. Even, there was an article once threatening that blockchain + rental is the terminator of chain makers. Today, blockchain technology has penetrated into all aspects of people's lives. How about its implementation and implementation with the rental industry? Zinc link decided to find out. There are not many cases where blockchain technology is combined with the rental industry to test the water. Blockchain rental projects, large and small, in the market are usually divided into two modes: one is to develop their own public chain or alliance chain, and the other is to develop rental apps on other public chains.
        According to public information, xiong'an rental is the first project in China to apply blockchain technology to the rental field. It is understood that the xiong'an "1+1+1" housing rental management platform is led by the xiong'an government and jointly established by China Construction Bank, ant financial services and linkhome. The platform is mainly composed of three sub platforms, including the rental management platform, integrity points system and blockchain unified platform. Among them, the blockchain unified platform is not a platform that everyone can log in, but a platform for internal management. It said that on the unified blockchain platform led by the government, the listing listing listing information, landlord and tenant identity information, and housing lease contract information will be verified by multiple parties and cannot be tampered with, so as to solve the core problem of "real people, real houses, real homes".
        Ant blockchain official website shows that the distributed housing lease management system based on blockchain technology has the authorization characteristics of minimum granularity through full encryption and multi-level key processing. In addition, the integral management system is introduced to build a comprehensive integral evaluation system for housing lease scenarios. According to the Beijing Youth Daily, xiong'an housing rental blockchain management platform is an important step in building a "digital xiong'an" in xiong'an new area. As early as October, 2018, Peng Yijie, vice president of ant financial, went to xiong'an new area to report the blockchain construction plan. Four months later, the project achieved application implementation. Peng Yijie said at that time that ant financial reached a strategic cooperation with xiong'an new area, and the urban construction blockchain infrastructure platform was the first to test the water in the rental field. In the future, hotels, credit unmanned supermarkets, credit unmanned libraries and other scenes will pay attention to landing, and build xiong'an "smart City".
        Zinc link tried to contact ant financial services to understand the further implementation and application of the current xiong'an rental project. Ant financial services said that the projects related to xiong'an rental are all unified information released by the government, and it is inconvenient for enterprises to disclose information. Xiong'an rental is an important pilot project of the new blockchain rental model led by the domestic government. Once successful, it will become an important model of rental projects led by the governments of other cities in China. It should be noted that in addition to the blockchain rental project led by the government, domestic giants occupy the increasingly mature rental market, and many entrepreneurs are trying to explore new models of blockchain and rental. Lucia rental project is a typical case.
        Jiaoyulong, its founder, revealed to zinelink that the core team of Lucia rental project was a supplier of SaaS back office management system of domestic B & B before the establishment of the project. At that time, the home stay had about 100000 users, which was the largest home stay PMS in China, with a valuation of 520million yuan. With the rise of blockchain technology, Jiao Yulong saw the dawn of solving the pain points of the industry. He analyzed that at that time, 58 city was the website with the highest rental Traffic in China, but 58 city was an information publishing platform, did not do any operation, and the industry lacked norms and standards. As a result, a large number of intermediaries publish false housing information on the platform to obtain traffic. After contacting users, intermediaries take the opportunity to sell the real house in their hands.
        Chain home is well aware of this pain point, and various sub brands that emphasize "real housing" have developed, but the labor cost of operation and management is quite high due to on-site house viewing. Jiao Yulong revealed that Lucia aims to establish a "didi" like rental community platform. Using blockchain technology can not only ensure the authenticity of housing supply, but also reduce operating costs. First, after obtaining the user's authorization, Lucia will authenticate the relevant data and verify the true identity of the landlord, intermediary and tenant through the public credit chain data platform and the personal credit data of the government and enterprises. When the tenant finds that the real listing information released is inconsistent with the listing information released by the landlord, he can also upload the real photos as the discrimination evidence, and everything is recorded on the chain. After discrimination, the credit score will increase or decrease.
        Second, through such a credit scoring system to evaluate everyone's credit, the higher the credit, the greater the authority. Through the self-organization of blockchain communities, "intermediaries" become "volunteers" and get paid by providing services (house viewing, maintenance, cleaning) to landlords or tenants. It's like that after the emergence of "didi", taxi drivers choose to drive online to make money. "The traditional rental mode is that the landlord and the tenant charge 30% respectively, while volunteers do not charge the tenant's money. Through a lighter operation mode, they can cover the cost by charging the landlord's service fee.". Third, Lucia project also develops smart door locks by itself.
        Lucia regards the smart door lock as the core housekeeper of housing rental management, and manages important scenes such as booking to see the house, returning the lease, subletting, charging rent, water and electricity by setting the validity period of the key password, so as to save time and cost. Smart devices are important data collectors. Blockchain technology makes smart device data traceable and tamperable. These data can become the asset credit evaluation of rental houses and provide evidence for obtaining bank loans and other financial services. Jiao Yulong told zinc link that in Lucia's rental community, individuals have the right to choose whether their data are disclosed. "When tenants want to rent a room, if they need to know the information of other tenants, they must pay the corresponding fees.
        It's equivalent to that we hand over the ownership of data to everyone through blockchain technology. What data can be viewed and how much it costs are all defined by individuals. ". In the view of zinc link, such a rental community seems to be very Utopian. In fact, Lucia encountered many difficulties in the implementation of the project. Jiao Yulong said that the design of Lucia project uses the economic model of token circulation. Based on the sensitivity of current policies to token, the mechanism of token cannot be implemented in wechat, Alibaba and other ecosystems, which makes it more difficult to obtain and implement traffic in the original Internet ecosystem.
        Huang Minqiang, the investor of Lucia project and the founder of gongxinbao, also admitted that the overall structure of the project is good. The difficulty lies in "how to effectively implement the rental industry when it is quite mature". If Lucia project started with the development of smart door locks from blockchain rental, everitoken smart door lock project is one of the few projects that has moved from the development of blockchain smart door locks to the combination of blockchain technology and real estate management. Cheng Xiji, co-founder of everitoken, introduced to zinc link that the original intention of making blockchain smart door locks is to consider that valuable rights and interests can be linked as vouchers, and the door lock key is equivalent to a valid voucher for real estate or rent.
        The implementation mode of this project is also very simple. It only needs to cooperate with the intelligent door lock manufacturer and service provider to implant the blockchain chip independently developed by everitoken into the door lock, which is equivalent to each intelligent door lock having its own unique blockchain ID. the core function of this chip is to upload the data collected on the intelligent door lock in real time. Cheng Xiji said that the authority of the background of the traditional smart door lock is too large, and there are loopholes in many times, which pose a risk of affecting the whole body. A security testing company has tested all the smart door locks on the market. Through cracking the backstage and front desk, a cracking instrument can directly break more than 60% of the door locks on the market.
        According to Cheng Xiji, the advantage of blockchain technology lies in distributed storage, which is randomly verified by multiple nodes around the world. It is unknown which node is responsible for opening the door, and it is impossible to crack it one by one, thus greatly improving the security of door locks. The first is the B & B market. Using blockchain smart door locks can help B & B crowdfunding. In the past, some people wanted to transform their houses for B & B, but they didn't have enough money, so many landlords would publish information on the website for crowdfunding, and divide the future income of B & B to each "shareholder" in proportion. This approach is only theoretically feasible, but due to the lack of technical means to ensure that crowdfunding has little effect, because everyone distrusts each other, "shareholders" are difficult to judge whether the landlord's business is true or not.
        With the blockchain smart door lock, all information of the house will be recorded on the chain transparently and publicly. According to Cheng Xiji, the blockchain chip on the smart door lock bears the bookkeeping function, records all the information in and out of the room, and can be used as evidence of crowdfunding "profit sharing". If you access the excuse of mobile payment, you can also realize the proportional, real-time automatic transfer of income. Secondly, the blockchain smart door lock also facilitates the management of the floating population by the personnel of the public security department. Cheng Xiji said that at present, most domestic hotels have identity registration and entry systems, but most home stays and long and short rentals will not be controlled so carefully. Blockchain smart door locks can verify identity cards, face recognition, etc. through technical means, and link information in real time.
        In Cheng Xiji's plan, in the future, everitoken smart door lock will also realize the asset certification of overseas real estate, so that landlords can remotely manage and operate overseas real estate through the door lock (similar to the function of "housekeeper"). Cheng Xiji said that the first batch of 3000 everitoken blockchain smart door locks have been used in Hangzhou for more than half a year, and have been supported by local communities and various organizations. In addition, according to Jiao Yulong's plan, SaaS system, blockchain rental platform and smart door lock are three business segments. At present, Lucia project has completed the rental platform +saas system, is tackling the latest blockchain door lock, and has also attracted some b-end customers. It is expected to be launched in the second and third quarters for C-end.
        The combination of blockchain with renting houses and smart door locks is actually one of the important scenes of the combination of blockchain and Internet of things technology, and an important exploration of building a smart city in the 5g era. In the 5g era, all things are interconnected. How to effectively use the data generated in the process of all things interconnection, how to use blockchain as a new technology to solve the pain points of the current rental industry in the relatively mature industry system of rental, and how to turn the heavy operation of the real estate industry into light operation in a credible environment are the biggest challenges faced by entrepreneurs and explorers. From 0 to 1 is the most difficult start, but it is also the most valuable innovation. "It's a long way to go, and I'll look up and down", which is the true portrayal of entrepreneurs and explorers in the blockchain + rental field at present.
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