本分链：更加适合稳定币应用场景的公链

链捕手Published on 2024-12-18Last updated on 2024-12-18

比特币自问世以来，一直定位为点对点的支付系统，然而，其最大的问题是价格波动性太大，导致无法在具体应用场景中担任支付货币的角色，而稳定币的出现恰好可以弥补比特币的缺点。

PayFi 等基于稳定币的应用场景潜力巨大，将Web2用户引入到Web3

2024年10月，Stripe 以11亿美元收购稳定币平台 Bridge，创下了加密领域内金额最大的一笔收购，预示着稳定币与支付相结合所产生的想象空间。另外，欧盟、香港、美国、英国、新加坡等也出台了稳定币的相关政策，为市场的发展提供了政策保障。

链上部分，截止2024年12月5日，稳定币的发行总额已经接近2000亿美元。链下部分，根据世界银行的数据，全球15岁以上拥有银行账户或移动账户数量仅占总人口的76.2%，也意味着全球依然还有23.8%的人口（15岁+），约20亿人还没有银行账户。而这部分人群可以通过 PayFi 等应用进入Web3，成为 CEX、DeFi 等应用的用户，大大推进了 Mass Adoption 的进程。

2021年全球拥有银行账户人口占比  来源：世界银行数据库

另外，在跨境支付方面，稳定币跨境支付也大有可为。根据国际清算银行（BIS）的统计，2022年全球跨境支付金额超过29万亿美元。传统的基础设施，费用高昂且速度慢，而基于区块链稳定币的跨境支付速度快、费用低廉，并且可以提供7/24的服务。

我们认为稳定币支付将会逐步占据跨境支付的较大份额，如果占据50%的份额，将会给整个稳定币支付的体量扩大1.88倍；而如果占据80%的份额，将会扩大3倍的支付体量。

非美元稳定币市场也存在着不小的潜力

近期，渣打银行的一份报告里也指出，非美元稳定币也在逐步获得关注，包括一些外汇波动比较大的经济体，比如土耳其，发展稳定币可以降低汇率波动。同时，也能降低对美元的依赖。而 BenFen 生态系统除了发行美元稳定币之外，也发行基于其他货币的稳定币从而占领这一市场，比如 BJPY、BINR 等。

本分链是更适合稳定币应用场景的公链

在基于稳定币的应用场景中，无论是链上还是链下，对于基础设施首当其次的要求是安全，一旦出现安全性风险，再高的大厦也会功亏一篑。

相比于 Ethereum、Tron 采用 Solidity 和 Rust 作为应用开发语言，BenFen 链的应用开发语言为 Move 语言，有更高的安全性。另外，作为稳定币的基础设施，还需要更高的性能、低廉的Gas费以及稳健的共识机制。BenFen 链拥有着每秒数万笔交易的吞吐量以及0.5s的时延，更加适合稳定币的应用场景。

更安全：采用更安全的编程语言（Move语言）

本分链采用 Move 语言来编写，Move 具有严格的类型系统，可以在编译时捕获许多常见的错误，例如类型不匹配和空指针引用，从而提高代码的安全性。另外，Move 通过资源（Resource）概念来管理资产，这些资源具有严格的生命周期管理，确保资源只能按照预期的方式使用和传递，避免了许多安全漏洞，如重入攻击和资源泄漏。除了以上优势，Move 在权限控制、不可变性、形式化验证等方面均有着其特有的优势，从而大大提高了其安全性。

高性能：采用增强共识机制实现亚秒级延迟和每秒数万笔的吞吐量

本分链创新的采用增强共识机制，将基于 DAG 的共识和无共识方法相结合，实现了低时延和高TPS，同时还保持了对复杂合约的支持、生成检查点以及跨纪元重新配置验证者集的能力。

在时延方面，BenFen链可以做到 0.5 s的时延，远远快于 Ethereum 的12秒，也快于 Tron、Solana。

各条链时延对比

在TPS方面，BenFen 链可以实现数万笔的交易处理量，也高于Ethereum、Tron 和 Solana。

各条链 TPS 对比

便捷登陆：本分链通过 zkLogin  为用户提供更便捷、安全的登陆体验

本分创新性的引入 zkLogin 的设计， 为用户提供了一种基于第三方授权的地址生成和交易签名的方式。用户可以通过 Apple 账户和 Google账户快速登陆，不需要助记词，更加方便快捷。

BenFen 链的 zkLogin登陆界面

Gas 费低：多个环节降低 Gas 费用

本分链在 Gas 费的多个环节都进行了优化，以实现低廉的 Gas 费。比如每个验证节点在每个 epoch 提交他们愿意处理交易的最低报价。本分链会按照每个验证节点提交的报价自动排序，并选择按质押比例计算的2/3位置处的价格作为参考价格。

另外，当用户提交的 Gas 价格高于参考价格时，差异视为支付给网络的小费，支付小费可以使用户获得更高的优先级。不同的交易需要不同数量的计算时间进行处理和执行。

最后，本分链的存储机制在事务删除先前存储的对象时提供存储费用返还。

原生稳定币 BUSD 支持 Gas 费支付和 Staking

相比 USDT 和 USDe 的中心化发行模式，BUSD 采用去中心化方式发行，并且支持 Gas费的支付和链内的Staking，这一点是其他稳定币所不具备的。同时，也是本分链内置的稳定币，跟 USDT、DAI、USDe 形成差异化。除了BUSD，本分基于预言机还将发行其他主要货币挂钩的稳定币，例如与日元挂钩的 BJPY。

发行机制：拿出50%的 BFC代 币用于抵押发行 BUSD

在公链初始化时，本分将 50% 的 BFC 作为国库永久性地用于已发行的稳定币抵押物，能大大的提升系统的安全性和稳定性，这一点是其他公链所没有的。打个比方，这就像以太坊将 ETH 代币永久性的放入国库来发行稳定币一样。当用户的钱包接入之后，可以选择支付 BFC 来铸造稳定币 BUSD，退出时，可以销毁稳定币，赎回BFC。链外用户也可以拿自己的USDT/USDC 按照 1:1 固定比例兑换成 BUSD，跨出时也按照 1:1的固定比例兑换成USDT/USDC。

更稳定：多种高效的 BUSD 价格稳定机制

本分设计了多种价格稳定机制，比如弹性货币供应机制，该机制根据市场需求的波动情况，动态地调整货币供应以维持价格稳定。本分稳定币协议通过特定算法和触发条件自动执行，以动态增加或减少流通中的 BUSD 数量。还比如汇率回归机制，依赖于稳定币国库内与二级市场上的同资产不同的价格差。当二者之间存在明显价格差时，交易者可在低价买入资产并高价售出，实现套利收益。这不仅为交易者提供了盈利机会，还有助于维持市场价格稳定，确保稳定币价值接近其锚定价值。

更专注：专注稳定币应用场景的拓展

相比其他链专注于多个生态，本分更加专属于基于稳定币应用的生态场景。

  • BenFen Bridge是本分链上目前计划在近期推出的原生资产跨链桥
  • BenFen Card是一个合规的支付解决方案，融入到我们的日常消费之中
  • BenFen Pay 是一个综合支付生态，可以实现加密货币直接支付、数字货币与法币之间的无缝兑换、以及链上担保支付等多元化功能
  • BenFen KYC 是一个链上身份认证与鉴权系统，通过聚合各大 KYC 提供商的认证结果，实现多平台 KYC 记录的链上一键查询和点对点的身份信息验证通道
  • BenFen C2C 是一个创新性的去中心化担保交易平台

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