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Riskstream推出Canopy 3区块链,以更快推出保险应用程序

2021-3-20 15:52

 


昨天,Riskstream合作研究所发布了其区块链平台Canopy的第三代产品。上一个Canopy版本支持R3 Corda enterprise区块链。通过过渡到Kaleido平台,保险区块链联盟保留了Corda,并增加了对多种类型的企业以太坊的支持,包括Quorum和Hyperledger Besu。Kaleido的GitHub代码库也显示了Hyperledger Fabric的活跃度,虽然这不是一个当前的产品。


但是,Canopy 3.0的最大好处是希望能够更快地移动,鉴于COVID-19推动了数字转型的加速,这一点尤其重要。

对速度的需要


RiskStream于2017年12月公布了其最初的政策区块链,该政策使用以太坊,然后转向Corda。然而,它的第一个使用案例,即针对汽车事故的第一个损失通知(FNOL),还没有按照目前的计划在今年第三季度进入影子生产。


Riskstream的副总裁帕特里克·施密德(Patrick Schmid)告诉Ledger Insights,在Kaleido的开发帮助下,只花了三周时间就为其死亡率监测用例创建了一个概念验证,旨在加快人寿保险保单的支付速度。


Kaleido提供企业区块链作为多个云提供商的服务解决方案,以及一系列区块链软件构建块作为其SaaS解决方案的一部分。


“当我们经历这段旅程(2018年)时,还没有一个Kaleido,”施密德在谈到Canopy 2.0时说。“我们是在从头开始建造一个非常类似于Canopy 3.0的东西。”


这种观点得到了Kaleido首席运营官Sophia Lopez关于财团的回应。“这些项目是在重新创造已经存在的东西。其中一些我们已经开源了。她还指出,咨询“帮助这些财团走上正确的轨道,并为他们的用例使用正确的构建块集。”


这些区块链倡议都没有单独使用区块链。实际上,它们是企业解决方案,包含各种活动部件。Kaleido首席执行官Steve Cerveny表示:“这些真正大规模的行业变革是复杂的,技术也会变得复杂。“一个风险流类型的项目需要包含40个组件。而我们认为区块链就是这一切的心脏。”


Kaleido团队在帮助企业区块链网络快速推出最小可行产品方面有着良好的记录。例如,农业综合企业财团Covantis于2020年1月宣布了其技术选择,并已投入生产。Kaleido拥有荷兰国际集团(ING)、花旗银行(Citibank)、壳牌(Shell)和索尼(Sony)等几家知名客户。到目前为止,它宣传的许多项目都是基于以太坊的。这是因为它是从以太坊开发公司ConsenSys衍生出来的。Kaleido 10个月前推出了Corda产品。


Canopy 3.0的发展也与非营利组织RiskStream的融资模式相匹配,后者越来越依赖于每个用例基础上的成员支持,而B3i这样的组织筹集了数千万美元。


“当然,金融是其中一个因素。我们的成员一直非常具体地要求我们作为Riskstream合作组织尽可能高效,”施密特说。

打开伞


除了速度,Kaleido的SaaS平台还带来了诸如SOC2 Type 2和ISO合规等安全认证。


虽然安全至关重要,但首先你需要参与。此外,Canopy 3.0降低了进入门槛,因此初创企业可以更经济有效地参与到生态系统中。此外,通过扩大Corda之外的技术支持,其他现有的保险区块链解决方案也可以参与协作。


“一些DLT平台非常适合点对点信息交换,”Schmid在谈到不同的区块链协议时说。其他的则是更多的注册用例,需要更分散的区块链方法。凡事都有利有弊。我们希望我们的成员选择什么是正确的平台,而不是对他们发号施令。”


如果一些用例正在使用Corda和其他以太坊,那么问题来了,它们之间的互操作性如何呢?坦率的回答是还没有。现在,不同技术之间的互操作性总是可以通过妥协实现的。谈到本地区块链互操作性时,Schmid说:“这是我们期待的未来。我们认为,这将为我们实现长期愿景提供一个很好的循序渐进的方法。”

 

Yesterday The Institutes Riskstream Collaborative unveiled the third iteration of its blockchain platform Canopy. The previous version of Canopy supported the R3 Corda enterprise blockchain. By transitioning to the Kaleido platform, the insurance blockchain consortium retains Corda and adds support for multiple flavors of Enterprise Ethereum, including Quorum and Hyperledger Besu. While not a current offering, Kaleido’s GitHub code repository also shows activity on Hyperledger Fabric.

But the biggest benefit of Canopy 3.0 is the hoped for ability to move faster, which is especially important given the acceleration of digital transformation driven by COVID-19. 

The need for speed

RiskStream unveiled its initial policy blockchain that used Ethereum in December 2017 before switching to Corda. However, its first use case, the First Notice of Loss (FNOL) for auto accidents, is not yet live with current plans to go into shadow production in Q3 of this year.

Riskstream’s VP Patrick Schmid told Ledger Insights that with Kaleido’s development help, it took just three weeks to create a proof of concept for its Mortality Monitor use case that aims to speed up payouts on life insurance policies.

Kaleido offers both an enterprise Blockchain as a Service solution with multiple cloud providers, as well as a series of blockchain software building blocks as part of its SaaS solution. 

“When we went through this journey (in 2018), there wasn’t a Kaleido,” said Schmid talking about Canopy 2.0. “We were building something awfully similar to what we have with Canopy 3.0, but from scratch.”

The sentiment was echoed by Kaleido COO Sophia Lopez talking about consortia. “These projects are reinventing pieces that are already out there. Some of them we’d already open sourced.” She also noted that consulting “helps get these consortia off on the right track and using the right set of building blocks for their use case.”

None of these blockchain initiatives use blockchain in isolation. In reality, they are enterprise solutions with the assortment of moving parts that comes with that. “These really large scale industry transformative plays are complex, and the technology gets complex,” said Kaleido CEO Steve Cerveny. “A Riskstream sort of project is going to have 40 components that they need to bring. And we think of the blockchain as the beating heart of that.”

The Kaleido team has a decent track record of helping enterprise blockchain networks to launch quickly with a minimum viable product. For example, agribusiness consortium Covantis announced its technology selection in January 2020 and is already in production. And Kaleido boasts several high-profile clients such as ING, Citibank, Shell and Sony. So far, many of its publicized projects are based on Ethereum. That’s because of its roots as a spin-out from ConsenSys, the Ethereum development house. Kaleido unveiled its Corda offering ten months ago.

The Canopy 3.0 evolution also matches non-profit RiskStream’s funding model, which is increasingly dependent on support from members on a per use case basis, compared to the tens of millions raised by the likes of B3i.

“Certainly, finance is an element here. Our membership has been very specific about asking us as the Riskstream Collaborative about being as efficient as possible,” said Schmid.

Opening the umbrella

Apart from speed, Kaleido’s SaaS platform brings security certifications such as SOC2 Type 2 and ISO compliance. 

While security is critical, first you need participation. And Canopy 3.0 lowers the barriers to entry so startups can participate with the ecosystem more cost-effectively. Plus, by broadening the technology support beyond Corda, other existing insurance blockchain solutions can also participate in the Collaborative. 

“Some DLT platforms are very good for peer-to-peer information exchange,” said Schmid referring to the different blockchain protocols. “Others are more registry use cases that require a more decentralized blockchain approach. There’s pros and cons to everything. We want our members to choose what’s the correct platform and not dictate it to them.”

If some use cases are using Corda and others Ethereum, that begs the question, what about interoperability between them? The frank answer is not yet. Interoperability between different technologies is possible now invariably with compromises. Talking about native blockchain interoperability, Schmid said, “That’s a vision that we’re all anticipating is coming. We think this would provide us a good stepwise approach towards that longer term vision.”

 

来自: Ledger Insights