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區塊鏈的特點是去中心化，用[[開源軟件]]把[[密碼學]]原理、時序數據和共識機制相結合，來保障分布式數據庫中各節點的連貫和持續，使信息能即時驗證、可追溯、但難以篡改和無法屏蔽，從而創造了一套隱私、高效、安全的共享價值體系。<ref>{{cite web |last= 袁勇，王飛躍 |url=http://html.rhhz.net/ZDHXBZWB/html/20160401.htm|title=區塊鏈技術發展現狀與展望 |publisher=自動化學報 |date= 2016年4月1日 }}</ref><ref name=hbr201701>{{cite news |last=Iansiti|first=Marco |last2=Lakhani|first2=Karim R. |url=https://hbr.org/2017/01/the-truth-about-blockchain |title=The Truth About Blockchain |work=[[Harvard Business Review]] |publisher=[[Harvard University]] |date=January 2017 |accessdate= |quote=''With blockchain, we can imagine a world in which contracts are embedded in digital code and stored in transparent, shared databases, where they are protected from deletion, tampering, and revision. In this world every agreement, every process, every task, and every payment would have a digital record and signature that could be identified, validated, stored, and shared. Intermediaries like lawyers, brokers, and bankers might no longer be necessary. Individuals, organizations, machines, and algorithms would freely transact and interact with one another with little friction. This is the immense potential of blockchain.'' }}</ref>

使得支付的過程可直接由一方發起，並支付給另一方，不再需要透過第三方機構，區塊鏈是一種跳過第三方中介的peer-to-peer（點對點）網路關係，它採用分散式的共識演算法，藉由分散式節點進行數據的儲存、驗證、傳輸，形成一個大型網路帳本，確保了交易的安全性。區塊鏈會依據智慧條約進行資產的交易，所謂的智慧條約是控制數位資產的電腦程式，記錄著資產該如何被交易的指令。<ref name="iTHome">{{cite web |url=https://www.ithome.com.tw/news/104558 | title= 3大面向一次搞懂區塊鏈，美國NASDAQ、跨國銀行都搶著用 | language=zh | date=2016-03-12 | publisher=iTHome | author=辜騰玉 | accessdate=2019-01-18}}</ref>

== 參考來源 ==

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