DLT Applications

DLT applications are limitless.

Some introductory notes


Note one:
A ledger is a noun!...not a verb.
A book (ledger) may hold rich information....but it does not do anything unless someone picks up the book, reads it and uses it.
DLT won't deliver world peace....however the applications using a DLT may.

Note two:
I'm primarily interested in applications in the capital and commodity markets.

Note three:
...this is a work in progress....please feel free to advise on amendments / corrections.


Some context


We have much to thank 3 generations of Greek philosophers for.
Socrates taught and inspired Plato who in turn taught and inspired Aristotle.
Socrates was a great ideas man (conversationalist), but it took Plato to give form (written definition / dialogues) to his ideas, and finally Aristotle to categorize those thoughts.

I hear lots of conversations, ideas and even see the occasional whitepaper. So, for my own convenience, inspired by the philosophers, I attempt to catergorize DLT initiatives into the following 'broad' groupings (and if you have a better system please let me know!):


i.e.
What is Government doing, Industry doing, Financial Services up to ...and then keep half an eye on those Crypto Cyber-Libertarians.


Financial Services


I further break Financial Services down into:


Physical Market:

This is a DLT application working with a physical commodity e.g. Gold, Precious metal, Diamonds etc.

Capital Markets:

As the Capital Markets are vast I further break the categories down to: (I include applications as a separate sub category. You could argue that a proxy vote belongs within Securities however I think application(s) stand on their own merits).


   Payments: Typically anything to do with the 'P' in DvP (Delivery versus Payment). A quick note. Payments, by the very nature of DvP (delivery versus payment) adds a layer of complexity. There are dependencies between delivery and  payment. I include FX in the payments world.


   Securities: Any Capital Market instrument from equities to bonds. Basically, if it can have an ISIN it is an 'instrument'.


   Derivatives: This can be derivatives based on any of the former. e.g. CDS.


Work Flow Applications:

e.g. Proxy voting, Bills of Lading, Letters of credit.

Other

As it says. All the other great stuff!


Physical Commodity Applications


Gold / Bullion

Mindex
A new gold entrant, but not yet a crypto play.
http://www.mindex.mu/

Paxos
Paxos and EY to collaborate on blockchain for gold bullion
https://www.finextra.com/pressarticle/66517/paxos-and-ey-to-collaborate-on-blockchain-for-gold-bullion/wholesale
[Jun 2016] Euroclear Bankchain Completes First Market Pilot for Blockchain Gold Settlement
https://www.finextra.com/newsarticle/29074/euroclear-explores-use-of-blockchain-in-london-gold-markets
[July 2017] Euroclear's blockchain gold settlement venture with Paxos dissolved
Paxos, which grew out of itBit, will continue to pursue its platform without Euroclear, which it plans to launch by 2018, according to a statement.
The joint system had already been tested with at least 16 market participants, including Citigroup Inc, Societe Generale, Scotiabank and INTL FCStone Inc.
https://www.reuters.com/article/us-euroclear-paxos-blockchain/euroclears-blockchain-gold-settlement-venture-with-paxos-dissolved-idUSKBN1AC2N6

CME / Royal Mint
The Royal Mint has paired up with the CME Group to build a gold market.
http://www.telegraph.co.uk/business/2016/11/29/royal-mint-offers-gold-trading-based-blockchain/

Crypto Bullion
http://cryptobullion.io/

BullionCoin
Physical gold and silver backed digital asset that provides income returns whilst promoting stable trade and protection of purchasing power.
https://www2.bullioncoin.com/

Orebits
Orebits & Symbiont Deploy Blockchain Technology to Digitize Gold Ownership
http://www.the-blockchain.com/2017/03/16/orebits-symbiont-deploy-distributed-ledger-technology-to-digitize-gold-ownership/

Vaultoro
First bitcoin to physical gold trading platform. This allows consumers to use bitcoin to buy fully audited and insured bullion that’s secured in a top-tier vaulting facility in Switzerland.
https://www.vaultoro.com/

Xaurum
https://bitcointalk.org/index.php?topic=1546279.0
https://rico.xaurum.org/

GoldCoin
Not really a DLT application, rather an example of a securitised taken against underlying gold (coins).
https://www.gldcoin.com/


Other precious


Diamonds
http://www.everledger.io/
....fraud detection system....diamond application more than developer

Singapore Diamond Investment Exchange Partners With Kynetix And Everledger To Trial First-Ever Blockchain Verification And Record-Keeping Service For Diamond Trading
http://www.mondovisione.com/media-and-resources/news/singapore-diamond-investment-exchange-partners-with-kynetix-and-everledger-to-tr/

Diamond (DMD) is a non-government contro­lled digital currency that allows people to send money anywh­ere in the world ins­tantly, securely and at near zero cost.
http://bit.diamonds/

BlockVerify
Blockchain Based Anti-Counterfeit Solution
http://www.blockverify.io/
(** not quite sure how to class this - verification of any asset from Diamonds...to your dog!)

Capital Markets

Payments

Clearmatics: USC Utility Settlement Coin
Developing the next generation clearing machines using decentralised asset ledgers and programmable assets.
....BNY Mellon, Deutsche Bank, ICAP and Santander join UBS and Clearmatics to advance the
Utility Settlement Coin concept. USC is a digital cash model aimed at facilitating payment and settlement for institutional financial markets
http://www.clearmatics.com/

MAS working with industry to apply Distributed Ledger Technology in securities settlement and cross border payments.
...consortium includes Bank of America Merrill Lynch, Credit Suisse, DBS Bank Ltd, The Hongkong And Shanghai Banking Corporation Limited, J.P. Morgan, Mitsubishi UFJ Financial Group, OCBC Bank, Singapore Exchange, United Overseas Bank, as well as BCS Information Systems as the project’s technology provider.
..also in partnership with R3.
http://www.mas.gov.sg/News-and-Publications/Media-Releases/2017/MAS-working-with-industry-to-apply-Distributed-Ledger-Technology.aspx
Project Ubin: SGD on Distributed Ledger
http://www.mas.gov.sg/~/media/ProjectUbin/Project%20Ubin%20%20SGD%20on%20Distributed%20Ledger.pdf

Project Jasper: Lessons From Bank of Canada's First Blockchain Project
...Payments Canada, along with the Bank of Canada, and R3's...participating Canadian members BMO Bank of Montreal, Canadian Imperial Bank of Commerce, HSBC, National Bank of Canada, Royal Bank of Canada, Scotiabank and TD Canada Trust.
http://www.bankofcanada.ca/wp-content/uploads/2017/05/fsr-june-2017-chapman.pdf

BoE: Working Paper No 389: Liquidity-saving mechanisms in collateral-based RTGS payment systems - Marius Jurgilas and Antoine Martin
http://www.bankofengland.co.uk/research/Documents/workingpapers/2010/wp389.pdf

Similar take on Real Time Gross Settlement from Symbiont.
We (Symbiont) were the other finalist for the ASX opportunity so we have solutions for traditional equity markets.
http://www.ibtimes.co.uk/symbiont-says-incumbents-joined-blockchain-consortia-signal-fear-not-innovation-1547398

Tether: Fiat currencies on the Bitcoin blockchain
https://tether.to/

FX

Bridging the divide: How CLS and IBM moved to blockchain
https://www.cls-group.com/document-downloads/bridging-the-divide-how-cls-and-ibm-moved-to-blockchain/

ICAP PoC (Proof of Concept) with Axoni using bilaterally executed spot/forward foreign exchange block trades.

Securities

Note. Scope can apply to traditional Primary Market listed shares or new style Crypto-shares.

Eris Excange
This is a very interesting pivot for  http://www.erisfutures.com/, the interest rate swap play.
Investors include:
NEX Opportunities, Cboe Global Markets, CTC Group Investments, Digital Currency Group, Nico Trading, Pantera Capital and Third Stone Partners, CMT Digital, Susquehanna International Group, XR Trading, C2 Capital Management and ED&F Man Capital Markets are all also backing the venture.
Clearing:  The derivatives will be cleared by an Eris-owned clearinghouse that is also under review and must be approved by the CFTC.
(Basically the same as the ICE proposition).
https://www.bloomberg.com/news/articles/2018-10-03/eris-exchange-to-create-crypto-market-backed-by-drw-virtu
https://www.finextra.com/newsarticle/32734/erisx-preps-cryptocurrency-market

Circle
Crypocurrency firm Circle is to acquire equity crowdfunding platform SeedInvest with the aim of creating a regulatory-approved token marketplace for capital formulation by businesses and individual entrepreneurs.
https://www.finextra.com/newsarticle/32747/circle-plans-to-build-token-marketplace-with-acquisition-of-seedinvest
https://www.circle.com/

T0
https://t0.com/
Owned by Overstock.com
http://www.coindesk.com/overstock-unveils-blockchain-trading-platform-to/
Overstock.com Subsidiary tZERO to Take 24% Interest in StockCross Financial
https://www.businesswire.com/news/home/20171222005281/en/Overstock.com-Subsidiary-tZERO-24-Interest-StockCross-Financial
** I've previously commented on the T0 / Overstock relationship (pseudo vertical). My concerns remain around Governance (as I see this as the next hurdle for them to get alignment of stakeholders and more main stream adoption).

EquiChain
EquiChain is a global capital markets infrastructure platform
http://www.equichain.com/

Syndicated Loans
Synaps Loans LLC (a joint venture of Ipreo and Symbiont).
PoC on loan trade settlement. Nineteen firms participated in the demonstration, including Barclays, BBVA, Danske Bank, LSTA, Royal Bank of Scotland, Scotiabank, Societe Generale, State Street Corporation, TenDelta LLC, U.S. Bank, and Wells Fargo. Influential buy-side firms AllianceBernstein (AB), Eaton Vance Management, KKR, and Oak Hill Advisors were also involved in the initiative.
http://www.prnewswire.com/news-releases/financial-institutions-move-closer-to-realizing-a-blockchain-solution-for-syndicated-loans-300431763.html
http://www.ibtimes.co.uk/symbiont-says-incumbents-joined-blockchain-consortia-signal-fear-not-innovation-1547398

Collateral Management
CIBC, Commerzbank, Credit Suisse, ING and UBS Test Corda for Collateral Lending
http://www.financemagnates.com/cryptocurrency/news/cibc-commerzbank-credit-suisse-ing-ubs-test-corda-collateral-lending/

http://www.hqla-x.com/
26 Mar 2018 Deutsche Börse Group and HQLAX have signed a Letter of Intent to form a strategic partnership for the creation of an innovative securities lending solution using the R3 Corda blockchain platform.

March 1, 2018 HQLAᵡ, together with Credit Suisse1 and ING, have completed the first live securities lending transaction settled using R3’s Corda blockchain platform. In the groundbreaking transaction, Credit Suisse and ING swapped baskets of securities of value EUR 25 million using the HQLAx Corda-based collateral lending application.

Private Equity
.....[call for details. Open for discussion with interested parties]....

Fixed Income


Derivatives

Equity Swaps
Axoni and Thomson Reuters partnered with seven other firms, including financial institutions and technology vendors, to implement a blockchain solution to synchronize post-trade life cycle management of equity swaps. (The group, organized by Axoni, included Barclays (NSYE:BCS), Citi (NYSE:C), Credit Suisse (NYSE:CS), J.P. Morgan (NYSE:JPM), IHS Markit (NASDAQ:INFO), Thomson Reuters (NYSE:TRI), and Capco,)
https://axoni.com/updates/thomson-reuters-features-axoni-in-annual-report

CDS
https://axoni.com/home
Axoni works with banks including J.P. Morgan Chase & Co. and Citigroup Inc. on credit-default swaps.
https://www.wsj.com/articles/bitcoins-blockchain-technology-proves-itself-in-wall-street-test-1460021421

Blockchain in capital markets: Symbiont lists opportunities for smart contracts.
http://www.ibtimes.co.uk/symbiont-says-incumbents-joined-blockchain-consortia-signal-fear-not-innovation-1547398


Work Flow Applications



Physical Commodities

Trade Finance/ Supply Chain Finance
Bills of Lading (B/L or BoL)
Letters of Credit (L/C or LoC)


Easy Trading Connect: More Banks to Sign Up for ING's Ethereum Oil Trading Platform
Conducted on what ING calls the Easy Trading Connect blockchain prototype, the live transactions between ING, Société Générale and commodities trading house Mercuria, involved an oil cargo shipment of African crude oil that was sold three times on its way to China.
To ensure these projects are developed with the end-user in mind, the team breaks down its work into three categories: technology (whether a blockchain is even needed), strategy (how it fits into ING's larger offerings) and whether or not the idea has 'business buy-in' from executives who would have to oversee implementation.
https://www.coindesk.com/more-banks-are-signing-up-for-ings-ethereum-oil-trading-test/

we.trade: Nordea joins trade finance blockchain consortium we.trade
The joint venture, which consists of Deutsche Bank, HSBC, KBC, Natixis, Rabobank, Societe Generale and Unicredit.
https://www.finextra.com/newsarticle/31416/nordea-joins-trade-finance-blockchain-consortium-wetrade

IBM and Maersk form JV for blockchain-based global trade platform.
The new JV will offer a global trade digitisation platform built on the Hyperledger Fabric and designed for use by the entire global shipping ecosystem. The firm plans to work with a network of shippers, freight forwarders, ocean carriers, ports and customs authorities.
https://www.finextra.com/newsarticle/31531/ibm-and-maersk-form-jv-for-blockchain-based-global-trade-platform

Blockchain and Supply Chain Finance
https://www.finextra.com/blogposting/14049/blockchain-and-supply-chain-finance-the-missing-link

Stena bulk’s successful MIT Sloan project with blockchain.
http://www.stenabulk.com/press-and-news/press-releases/stena-bulks-successful-mit-sloan-project-blockchain

EY teams with Microsoft, Maersk to use blockchain for marine insurance
https://www.cnbc.com/2017/09/05/ey-microsoft-maersk-blockchain-for-marine-insurance.html

Maersk and IBM Unveil First Industry-Wide Cross-Border Supply Chain Solution on Blockchain
http://www-03.ibm.com/press/us/en/pressrelease/51712.wss

IBM, Natixis and Trafigura team on blockchain platform for oil trades
https://www.finextra.com/newsarticle/30350/ibm-natixis-and-trafigura-team-on-blockchain-platform-for-oil-trades

WAVE connects all members of the supply chain to a decentralized network and allows them a direct exchange of documents.
http://wavebl.com/

Skuchain is a blockchain platform founded in 2014. Investors include the Digital Currency Group, Amino Capital and Fenbushi Capital.
http://www.skuchain.com/about-us/

Fluent Rebrands as Hijro, Announces Blockchain Trade Asset Marketplace
http://www.businesswire.com/news/home/20161117005566/en/Fluent-Rebrands-Hijro-Announces-Blockchain-Trade-Asset
https://hijro.com/about.html

The Yijian Blockchain Technology Application System, a permissioned blockchain platform that uses Hyperledger Fabric, seeks to eliminate some of the financing problems faced by the country's pharmaceutical retailers. Initially, the Yijian system will be implemented on a test basis by one pharmaceutical retailer, one hospital and one bank.
IBM and Hejia Launch Blockchain-based Supply Chain Financial Services Platform for Pharmaceutical Procurement
https://www.prnewswire.com/news-releases/ibm-and-hejia-launch-blockchain-based-supply-chain-financial-services-platform-for-pharmaceutical-procurement-300437935.html

Chained Finance
Chained Finance: First Blockchain Platform for Supply Chain Finance
Chained Finance is initially targeting three major industries: electronics, auto and garment manufacturing.
The two companies recently completed a successful pilot and proof of concept of Chained Finance by securing funding for small and medium enterprises (SMEs) in China that were otherwise unable to secure needed capital.  Chained Finance originated US$6.5 million (RMB45 million) in loans for these SME supply chain operators.
https://www.prnewswire.com/news-releases/chained-finance-first-blockchain-platform-for-supply-chain-finance-300418265.html

IBM and Indian multinational conglomerate and lender Mahindra Implements Blockchain in Trade Finance
Partners include Deloitte and JP Morgan Singapore.
https://www.cryptocoinsnews.com/indian-bank-kotak-mahindra-implements-blockchain-trade-finance/

Opentrade Docs
http://otdocs.com/
(** Powered by NXT)

Provenance is a platform that empowers brands to take steps toward greater transparency by tracing the origins and histories of products.
Blockchain: the solution for transparency in product supply chains
https://www.provenance.org/whitepaper

Consentio is a platform that leverages technology to streamline trading processes. We transform the way businesses transact physical goods.
https://www.consentio.co/

Blockfreight
https://blockfreight.com/whitepaper/

Zerado's Supply Chain Finance solution uses blockchain technologies to hold details of orders across supply chains
http://zerado.com/en/products-services/trade-finance/

Blockchain for Supply Chain Finance
Professor Todd Taylor
https://wpcarey.asu.edu/sites/default/files/taylorblockchainforsupplychainfinance.pdf


Capital Markets Applications

Payments / Factoring

FCA (mortgage reporting)
Project Maison - We’re working with R3, RBS and another global bank to explore the possibility of using distributed ledger technology for regulatory reporting.
https://www.fca.org.uk/firms/regtech/our-work-programme
R3, UK regulator and banks team up on blockchain-based mortgage
https://uk.reuters.com/article/us-r3-fca/r3-uk-regulator-and-banks-team-up-on-blockchain-based-mortgage-reporting-idUKKCN1BN0QX

Tallysticks
https://tallysticks.io/

Blockchain for factoring: The case of M.Video
http://www.coinfox.info/news/company/6944-blockchain-for-factoring-the-case-of-m-video



Proxy Voting and Corporate Actions



Nasdaq
Nasdaq to simplify proxy voting process for shareholders, with blockchain technology
https://bravenewcoin.com/news/nasdaq-to-simplify-proxy-voting-process-for-shareholders-with-the-blockchain/

TMX
TMX develops proxy voting prototype using blockchain
https://www.theglobeandmail.com/report-on-business/tmx-develops-proxy-voting-prototype-using-blockchain/article34614710/

Broadridge
Investor services firm Broadridge executed a blockchain pilot focused on proxy voting, in partnership with JP Morgan, Northern Trust and Banco Santander
http://www.coindesk.com/broadridge-blockchain-proxy-voting-jpmorgan-santander/
(see also: Broadridge Acquires Inveshare’s Blockchain Technology Assets for $135m)
http://www.financemagnates.com/cryptocurrency/innovation/broadridge-acquires-inveshares-blockchain-technology-assets-for-135m/

Follow My Vote
Follow My Vote can provide you, your organization, or your clients with the most advanced and secure proxy voting services on the market. Our voting platform is extremely secure, utilizing blockchain technology to retain a system free from fraud or manipulation.
https://followmyvote.com/proxy-voting/
https://www.forbes.com/sites/realspin/2016/08/30/block-the-vote-could-blockchain-technology-cybersecure-elections/#863626b2ab31
** Follow my vote uses the BitShares DLT.
https://followmyvote.com/blockchain-comparison-a-closer-look-at-bitcoin-bitshares-and-ethereum/

VotoSocial
http://votosocial.github.io/

Private Equity


SPiCE VC
Disrupting Venture Capital with the Blockchain. Eliminating the illiquidity problem by issuing digital security tokens to its investors, which are tradable from day one.
https://www.spicevc.com/

DropDeck is a royalty and debt financing platform for fast growing businesses with a pure smart-contract and token-incentivized mechanism to evaluate and fund businesses worldwide.
https://dropdeck.io/


Other Applications


Identity / KYC

SSI: Self Sovereign Identity
I thought this was a great explanation and introduction to Self Sovereign Identity.
https://bitsonblocks.net/2017/05/17/a-gentle-introduction-to-self-sovereign-identity/

We deliver accurate, reliable passport data served up against a biometric profile.
http://www.objecttechgroup.com/
ObjectTech signed an agreement with the Government of Dubai for a project which will see ObjectTech develop digital passports for seamless entry at Dubai Airport
http://www.objecttechgroup.com/the-blog/2017/6/6/objecttech-agreement-with-the-gdrfa-dubai

21 Companies Leveraging Blockchain for Identity Management and Authentication
https://letstalkpayments.com/22-companies-leveraging-blockchain-for-identity-management-and-authentication/

Blockchain for digital identity - IBM Blockchain
https://www.ibm.com/blockchain/identity/

Evernym
Promote the Sovrin platform (part of the Hyperledger suite) as a global public utility for trusted, self-sovereign identity.
https://www.evernym.com/
(part funded by https://outlierventures.io/)

Qadre provides tools to onboard and manage trust for individuals, organisations, and even physical goods; minimizing inefficiencies and opportunities for fraud.
https://www.qad.re/

Biometric identity
https://www.biossl.com/solutions.html

The adult industry is always at the forefront of technology adoption....and always at the forefront of politicians hypocrisy vote catching.  It is a prime candidate for immutable truth and proof of age.
** likewise gaming. I've not been following these sectors closely but I would not be surprised to see some lead in practical application come from one of these sectors.


Identity / AML

Coinfirm
Coinfirm’s platform uses proprietary algorithms and big data analysis to provide actionable data on blockchain transactions and parties.
https://www.coinfirm.io/aml-kyc

Elliptic
https://www.elliptic.co/law-enforcement/
We trace Bitcoin transactions across hundreds of entities and help you connect illicit Bitcoin activity to real world actors.
** This is more Bitcoin focused, however I think it shows the potential.

Scorechain
https://bitcoin.scorechain.com/business-application/aml-compliance
Just for curiosity on BTC holdings this page is worth a look:
https://bitcoin.scorechain.com/entity-database

Identity Mind
ldentityMind offers a full Anti-Money Laundering (AML) solution that enables Banks, Fintech companies and Money Services Businesses to meet U.S. and worldwide regulations. Our AML solution provides you with a fully integrated suite that includes trusted digital identities, transaction monitoring, rules, case management and alerts.
https://www.identitymindglobal.com/en-us/superior-aml



Real Estate / Land Registry


Land Registry is one DLT use case I've had the pleasure to look into.

Permissionless Real Estate Title Transfers on the Bitcoin Blockchain in the USA! — Cook County Blockchain Pilot Program Report
How is this different from other blockchain pilot programs?
There are two other notable blockchain real estate pilot programs, one in the Republic of Georgia and one in Sweden. Georgia and Sweden use a title registry system, where a property changes ownership by a government official updating the land ledger to reflect the new owner. The government performs the conveyance between the parties.
In contrast, (most of) the US uses the deed registration system where the seller transfers ownership of the property directly to the buyer using a deed. In a separate, optional step, the buyer may choose to publish this deed in a county clerk / recorder’s office.
How do the Swedish and Republic of Georgia pilot programs differ from ours?
Technology. Both European programs used a private blockchain. We used the Bitcoin blockchain.
https://medium.com/@RagnarLifthrasir/permissionless-real-estate-title-transfers-on-the-bitcoin-blockchain-in-the-usa-5d9c39139292

Interesting stance on UK privatisation.
Now put on hold:
Lammy added: “It pays rich dividends to the public purse and there’s absolutely no reason why it should pay dividends only to wealthy investors and shareholders in the future.”
In February this year (2017) we made a commitment "to become the world’s leading land registry for speed, simplicity and an open approach to data"
Digital Street: We think that a way to make buying and selling property simpler, faster and cheaper could be achieved through the creation of a fully digital register.
https://hmlandregistry.blog.gov.uk/2017/12/18/world-leading-through-digital-transformation/

Incorporating blockchain technology in land registries is not new. The Republic of Georgia and Honduras have been conducting such experiments in recent years, while Sweden is the first advanced western country to take steps in this direction
(BTW, the jurisdiction BAT looked at is not listed above).
Sweden Conducts Trials of a Blockchain Smart Contracts Technology for Land Registry
...Rather it is about reforming the workflow of selling a property that integrates with existing systems for keeping track of who owns what. 
*** Love it! This comment hits the nail on the head.

Indian State Uses Blockchain Technology to Stop Land Ownership Fraud
https://cointelegraph.com/news/indian-state-uses-blockchain-technology-to-stop-land-ownership-fraud


Insurance


Blockchain Insurance Industry Initiative B3i Grows to 15 Members
http://www.insurancejournal.com/news/international/2017/02/06/440629.htm
http://www.swissre.com/reinsurance/insurers_and_reinsurers_launch_blockchain_initiative.html

For ChainThat and R3, this means starting with a minimum of a broker and 2 (re) insurers from the outset.
https://www.the-digital-insurer.com/blog/insurtech-r3-chainthat-partnership-giant-leap-insurance/
ChainThat's Blockchain-based solutions solve these fundamental transactional issues at the root because they provide a robust, common process for the sharing and agreement of trading.
http://www.chainthat.com/

However, one bane of the frequent traveller – delayed flights – could soon have had its day, and blockchain could play a leading role. That's because this past week, French insurance giant AXA unveiled a test run of a blockchain platform designed to manage flight insurance.
Amusingly called "Fizzy," the product is a network of smart contracts linked to a platform based on ethereum that will scan data sources for information on delayed flights. If those flights match an outstanding insurance policy, a pay-out is automatically triggered.
https://www.coindesk.com/now-boarding-axas-ethereum-test-blockchains-ticket-mainstream/

For insurers #blockchain is the new black
http://blog.willis.com/2016/12/for-insurers-blockchain-is-the-new-black/

Lemonade are Live. Insurance will never be the same again!
https://www.the-digital-insurer.com/blog/insurtech-lemonade-are-here-and-insurance-will-never-be-the-same-again/
https://www.lemonade.com/

Deloitte: Blockchain in Insurance:
https://www2.deloitte.com/ca/en/pages/financial-services/articles/blockchain-in-insurance.html#

PWC: Chain Reaction: How Blockchain Technology Might Transform Wholesale Insurance
http://www.pwc.com/gx/en/industries/financial-services/publications/blockchain-technology-might-transform-wholesale-insurance.html
PWC: Proof of concept
https://www.youtube.com/watch?v=OlOA4tnDq-g

E&Y: Blockchain in insurance: applications and pursuing a path to adoption
http://www.ey.com/Publication/vwLUAssets/EY-blockhain-in-insurance/$FILE/EY-blockhain-in-insurance.pdf


Reference Data






Miscellaneous


Financial Inclusion (unbanked)


Humaniq aims to increase financial inclusion worldwide by providing new financial services to the unbanked based on Blockchain technology and biometric identification systems.
https://humaniq.com/


Health


Solve.Care platform replaces duplicative systems and automates complex processes. It represents a new approach to fight fraud, waste and abuse and brings transparency and accountability to healthcare administration.
https://solve.care/

Our End-to-End Supply Chain Solution securely posts information to the Blockchain to create an auditable, traceable, and transparent record of the movement of medications between trusted partners.
http://isolve.io/

DLT meets the cannabis supply chain...
https://paragoncoin.com/en#blockchainSlide

Polymer modification
ITO (Initial Token Offering) by emitting token GRAFT with the modern blockchain technology platform Bitshares.org.
http://www.graftpolymer.io/

Cryogenics
http://www.cryogen.me/


Energy


Chain of Things
Chain of Things is developing Maru - an integrated blockchain and IoT hardware solution to solve IoT's issues with identity, security, and interoperability.
https://www.chainofthings.com/
(*** maybe not the right place for this - could apply to a variety of categories. Based oon their energy use case)


Media


Steemit is a social network and content rewards platform that makes the crowd the beneficiaries of the attention economy. It does this be rewarding users with STEEM.
https://steemit.com/faq.html#What_is_Steemit_com
(** Build on their own fabric 'Steem')

The Future of Programmatic Advertising
https://madnetwork.io/

LydianCoin is a utility token to provide advanced digital marketing services to the blockchain community
https://lydian.io/overview/
(** Paris Hilton wrote on Twitter that she is "looking forward to participating in the new" LydianCoin
http://uk.businessinsider.com/paris-hilton-backs-ico-lydian-celebrities-endorsing-cryptocurrencies-2017-9)
Hilton deleted her tweet a few weeks later. After publication, a Hilton spokesperson said she is no longer involved with Lydian.
https://www.forbes.com/sites/laurashin/2017/09/25/as-founder-faces-possible-jail-time-an-inside-look-at-lydiancoin-paris-hilton-endorsed-cryptocurrency

PUBLIQ is a nonprofit foundation that places authors at the center of the publishing and digital media industry
http://publiq.network/en/white-paper/

Curated DLT and crypto news
http://clout.io/

Potentiam is an incentivized ecosystem for musicians, bloggers, and music fans.
A blockchain community for connecting, developing, fostering and promoting the relationships between music artists, bloggers and music supporters/fans using a cryptocurrency reward system.
https://www.potentiam.io/

Video sharing
https://viuly.com/


Social

Pally is the first decentralised social travel ecosystem in the world. Our technology enables travellers to create friendships and access authentic experiences in new cities through local people - using direct peer-to-peer payment
https://www.pally.co/


Sharing Economy

MyBit enables ownership of a specific IoT asset to be easily distributed among several owners...
https://mybit.io

With Tesseract, single vehicles, fleets and other transport services are available on the platform. Vehicles and trips are digitally logged on the blockchain, and transactions are automatically settled between owners, operators and third-party service providers through a single-source, usage-based payment system. Ownership of the assets is flexible and can be on a full or fractional share basis.
http://www.ey.com/gl/en/newsroom/news-releases/news-ey-advancing-future-of-transportation-with-launch-of-blockchain-based-integrated-mobility-platform



Charity

ACT is a decentralized autonomous organisation addressing social accountability by aggregating micro payments from citizens to fund grass roots proposals that drive change
https://daoact.org/about-act/


Environment

Poseidon is a new venture that revolutionises the way nature is valued, using blockchain technology to access the carbon market. We empower people to save the planet with every purchase
https://poseidon.eco/
(** Stellar based application)


Gambling

Using the wisdom of the crowd, every day people will be able to predict and trade the outcome of events in almost any imaginable category: Finance, sports, politics and even the weather.
https://www.stox.com/en/

Gaming

Unlocking the global market economy for 2.3 billion gamers with virtual items.
https://dmarket.io/

Nitro Token will be introduced into games developed and published by iCandy, potentially setting it up for early adoption within the 348 million-strong gamer community on day one.
https://www.nitro.live/

We are unlocking a world where the things you learn and create in the virtual world are as valuable as they are in the physical world.
https://www.virt-u.io/

Globally, gamers purchase over US$100 billion of digital goods each year.....
https://tokensale.gameflip.com/


Internet of Things (IoT)

http://iota.org/

Loyalty Schemes

Burger King launches WhopperCoin crypto-cash in Russia
Customers will be able to claim one coin for every rouble (1.3p) they spend on the Whopper sandwich. Burger King has partnered with crypto-cash start-up Waves to create and run the scheme.
http://www.bbc.com/news/technology-41082388

Hooters Coin
Chanticleer Holdings Inc. (NASDAQ:BURG) is the owner of several fast food restaurant brands including nine Hooters joints as well as a minority investor in Hooters of America. The company’s stock price jumped by 50% on Tuesday after it announced plans to use Mobivitymind, a “blockchain-architected platform” to create a cryptocurrency customer loyalty and rewards program.
https://news.bitcoin.com/hooters-investor-joins-the-crypto-hype-eating-a-burger-is-now-a-way-to-mine/


Registration / Validation / Confirmation


Art: Verisart is the world's leading platform to certify and verify artworks and collectibles using the Bitcoin blockchain.
https://www.verisart.com/

Patents: InnVenn provides unlimited do-it-yourself patent searching
https://locipro.com/innvenn/

WhiteHat Software validation
https://hacken.io/

Co-Ownership
(Here I'm trying to capture the concept of democratisation of securitised assets)

http://wecoown.com/

Token securitised against a basket of assets (currencies)
https://globcoin.io/


Waves
I thought this interesting. You can create your token (for anything) and out it on a chain here.


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