<p dir="ltr" style="text-align: justify;"><span id="docs-internal-guid-ffc04ced-7fff-1c27-71a8-06f1b85a7b1f">Blockchain has become a paradigm shift that changes the operations of different industries. Nevertheless, like any other disruptive technology, a lot of myths and misconceptions have appeared. We should differentiate between fact and fiction to use blockchain technology effectively and responsibly. We can better understand what blockchain is (and isn&rsquo;t), how it functions, and the varied applications it holds besides cryptocurrencies by clarifying these misconceptions.</span></p>
<div id="form-description" class="form-description" data-title="Key Takeaways" data-text="Blockchain is not just about Bitcoin; it is the technology that can transform different fields. 

Blockchains are strong but not flawless, and being aware of the possible weak sections is a very important thing in keeping the network safe.

Educational investment and partnerships with software development experts are the main factors for businesses that will use blockchain technology.">
<div class="form-description-title">Key Takeaways</div>
<ul style="text-align: justify;">
<li dir="ltr" aria-level="1">
<p dir="ltr" style="text-align: left;" role="presentation">Blockchain is not just about Bitcoin; it is the technology that can transform different fields.&nbsp;</p>
</li>
<li dir="ltr" style="text-align: left;" aria-level="1">
<p dir="ltr" role="presentation">Blockchains are strong but not flawless, and being aware of the possible weak sections is a very important thing in keeping the network safe.</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" style="text-align: left;" role="presentation">Educational investment and partnerships with software development experts are the main factors for businesses that will use blockchain technology.</p>
</li>
</ul>
</div>
<h2 dir="ltr" role="presentation">&nbsp;Myth 1: Blockchain and Bitcoin Are the Same</h2>
<p dir="ltr">Among the most common myths about blockchain technology is the confusion between the blockchain and Bitcoin. Blockchain and Bitcoin were created simultaneously, so they are widely believed to be the same thing. However, we must understand that blockchain is a much broader term. It is the technology that created Bitcoin. While Bitcoin is indeed the first and most famous application of this technology, equating the two is like saying that Google is the Internet.</p>
<p dir="ltr">Blockchain is a decentralized digital ledger technology (DLT) that records transactions across multiple computers so that the records cannot be altered retroactively, without the alteration of all subsequent blocks and the consensus of the network.</p>
<p dir="ltr">This makes blockchain a naturally secure and transparent method of data and transaction recording.&nbsp;</p>
<p dir="ltr">Bitcoin is a type of digital currency based on blockchain technology and used for secure, anonymous, and decentralized financial transactions. The blockchain of Bitcoin acts as a public ledger for all the transactions in the Bitcoin network, thus, it is possible to transfer digital currency securely without the use of intermediaries like banks or governments.&nbsp;</p>
<p dir="ltr">Blockchain technology can be much broader than purely financial transactions. It can be used in different industries with various aims. <span style="text-align: justify;">Nowadays, many businesses are studying how <a href="https://agilie.com/blog/enterprise-blockchain-development-how-businesses-derive-benefits" target="_blank" rel="noopener">enterprise blockchain development</a> can </span>improve their operations.</p>
<p><span id="docs-internal-guid-472b7e6f-7fff-cc7f-585e-96d452017ac3"></span></p>
<p dir="ltr">Here are a few examples:</p>
<p dir="ltr"><strong>Healthcare:</strong> Blockchain can guarantee the safety of medical records storage and sharing. Thus, they are only available to authorized personnel and patients and lead to quicker diagnosis and treatment.​</p>
<p dir="ltr"><strong>Financial Services:</strong> Blockchain is a viable solution for international payments, real-time settlements, and improving transaction transparency and security.</p>
<p dir="ltr"><strong>Digital Identity:&nbsp;</strong> Blockchain can correct identity theft and fraud by adding digital identities that cannot be changed. For example, Estonia's e-Residency program is the first of its kind, a government-issued digital identity that allows entrepreneurs from anywhere in the world to operate and conduct business online in the EU.</p>
<p dir="ltr" style="text-align: justify;"><strong>Real Estate:</strong> Blockchain can simplify property transactions such as sales, leasing, and financing by reducing paperwork and improving transparency.</p>
<p dir="ltr"><a class="incut--wrap" style="transition-delay: 0s;" href="https://agilie.com/blog/the-evolution-of-blockchain-from-bitcoin-to-business-applications" target="_blank" rel="noopener" aria-label="incut"><img style="height: 344px; width: 778px;" src="https://d3pxw3l8cozu05.cloudfront.net/images/f9e66e179b6747ae54108f82f8ade8b3c25d76fd30afde6c395822c530196169-1716280829344.png" width="100%" height="100%" /><span class="incut--text">Learn more about the evolution of Blockchain from Bitcoin to business applications.</span></a></p>
<h2 dir="ltr">Myth 2: Blockchain Transactions Are Always Anonymous</h2>
<p dir="ltr">A frequent mistake people make about blockchain technology is that it is automatically anonymous to its users. However, the truth is more nuanced. Blockchain transactions are not strictly anonymous but pseudonymous.</p>
<p dir="ltr">Pseudonymity means that a user's identity is not directly tied to their blockchain transactions but rather to a digital pseudonym, typically a public key or a blockchain address. These addresses are like a sequence of letters and numbers, giving privacy but not total anonymity.</p>
<p dir="ltr">In contrast, anonymity would mean that the transactions are entirely disconnected from any identity, even a pseudonym, making them untraceable to the user. Blockchain does not usually provide this level of anonymity because the transaction history of each blockchain address is visible to anyone who accesses the blockchain.</p>
<p dir="ltr" style="line-height: 1.38; text-align: justify; margin-top: 12pt; margin-bottom: 12pt;">Most blockchains are open ledgers, meaning that all transactions are visible to anyone who wishes to view them. This level of transparency ensures that while users' identities are not directly exposed, their transaction histories and patterns can be analyzed.<span style="font-size: 11pt; font-family: Roboto, sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"> </span><span id="docs-internal-guid-c8674fbb-7fff-173a-3f3d-9882e492f23a" style="text-align: start;"></span></p>
<p dir="ltr" role="presentation"><img src="https://d3pxw3l8cozu05.cloudfront.net/images/f9e66e179b6747ae54108f82f8ade8b3c25d76fd30afde6c395822c530196169-1716280901953.png" /></p>
<p dir="ltr">While basic blockchain transactions offer pseudonymity, several enhancements and tools can increase privacy:</p>
<p dir="ltr"><strong>1. Mixing Services:</strong> Services like CoinJoin allow multiple users to combine their transactions into a single transaction with multiple inputs and outputs. This mixing blurs the traceability of any single coin, making it more difficult to link wallets with identities.</p>
<p dir="ltr"><strong>2. Privacy-Focused Cryptocurrencies:</strong> Some cryptocurrencies, like Monero and Zcash, are designed specifically to enhance privacy. Monero uses ring signatures and stealth addresses to hide the transactions&rsquo; origins, amounts, and destinations. Zcash allows users to shield transactions completely through its zk-SNARKs technology, which enables transactions to be verified without revealing the sender, receiver, or amount.</p>
<p dir="ltr" style="text-align: justify;"><span id="docs-internal-guid-f6cb6e39-7fff-8fd8-9fd0-26fe5c883950"><strong>3. Use of Multiple Addresses:</strong> Users can increase their privacy by using multiple wallets or addresses, dispersing their transactions across several points, which makes it more challenging to link them to a single identity.</span></p>
<p dir="ltr"><a class="incut--wrap" style="transition-delay: 0s;" href="https://agilie.com/blog/blockchain-tech-trends-how-to-stay-ahead-of-the-curve" target="_blank" rel="noopener" aria-label="incut"><img style="height: 344px; width: 778px;" src="https://d3pxw3l8cozu05.cloudfront.net/images/f9e66e179b6747ae54108f82f8ade8b3c25d76fd30afde6c395822c530196169-1716280997458.png" width="100%" height="100%" /><span class="incut--text">Explore key blockchain technology trends and stay ahead in its innovation with insights and practical examples.</span></a></p>
<h2 dir="ltr">Myth 3: Blockchains Are Unhackable</h2>
<p dir="ltr">The idea that blockchains are completely unhackable is a frequently held misconception that can cause a dangerous level of complacency in security measures. While blockchain technology does offer robust security features, it is not immune to vulnerabilities. Knowing the security features employed and the situations in which breaches happen is very important for anyone who wants to use blockchain for their business.</p>
<p dir="ltr">Blockchain technology secures data through several mechanisms:</p>
<p dir="ltr"><strong>Cryptography:</strong> Every transaction on a blockchain is secured using cryptographic algorithms, which ensure that data can neither be altered nor read without the appropriate cryptographic key.</p>
<p dir="ltr"><strong>Decentralization:</strong> By distributing copies of the ledger across a network, blockchain reduces the risk of a single point of failure that could compromise the entire system.</p>
<p dir="ltr" style="text-align: justify;"><span id="docs-internal-guid-b11010c4-7fff-1a1a-ce63-614d99637ccb"><strong>Consensus Protocols:</strong> Blockchains use various consensus mechanisms, like Proof of Work (PoW) or Proof of Stake (PoS), to agree on the validity of transactions. These protocols prevent a malicious actor from changing even a single aspect of the blockchain.</span></p>
<p dir="ltr"><a class="incut--wrap" style="transition-delay: 0s;" href="https://agilie.com/expertise/fintech/blockchain-software" target="_blank" rel="noopener" aria-label="incut"><img style="height: 344px; width: 778px;" src="https://d3pxw3l8cozu05.cloudfront.net/images/f9e66e179b6747ae54108f82f8ade8b3c25d76fd30afde6c395822c530196169-1716281102044.png" width="100%" height="100%" /><span class="incut--text">Learn more about our blockchain software development services.</span></a></p>
<p dir="ltr">Despite these security measures, there are scenarios where blockchains can and have been compromised.</p>
<h3 dir="ltr">Scenarios Under Which Breaches Have Occurred</h3>
<p dir="ltr"><strong>51% Attacks:</strong> This type of attack happens when a single entity gains control of more than 50% of the network&rsquo;s mining hash rate or stake, allowing them to manipulate transactions and potentially double-spend coins.&nbsp;</p>
<p dir="ltr"><strong>Code Vulnerabilities:</strong> <a href="https://agilie.com/blog/secure-smart-contract-design-best-practices-in-solidity-programming" target="_blank" rel="noopener">Smart contracts</a>, which are self-executing contracts with the terms directly written into code, can contain vulnerabilities. One of the most famous incidents is the DAO attack on the Ethereum network. Hackers exploited a vulnerability in the DAO (Decentralized Autonomous Organization) smart contract code to siphon off one-third of the DAO&rsquo;s funds.</p>
<p dir="ltr"><span id="docs-internal-guid-7785ebac-7fff-06ee-6f06-69621bbdcfd6"><strong>Phishing and Social Engineering:</strong> End-user security is often the weakest link in a blockchain system. Phishing attacks can allow attackers access to blockchain assets, bypassing network security measures, to steal private keys or wallet credentials.</span></p>
<p dir="ltr" role="presentation"><img src="https://d3pxw3l8cozu05.cloudfront.net/images/f9e66e179b6747ae54108f82f8ade8b3c25d76fd30afde6c395822c530196169-1716281254703.png" /></p>
<h2 dir="ltr" style="text-align: justify;">Conclusion</h2>
<p dir="ltr">The blockchain technology is often seen as highly popular and muddled at the same time.&nbsp; Falsified myths are only part of the misconceptions that can mislead such a fantastic technology. Similarly, proper professional knowledge and strategy can help blockchain perform to its potential in various fields.&nbsp;<span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;"><a href="https://agilie.com/blog/your-own-cryptocurrency-from-scratch-everything-you-need-to-know-to-create-your-cryptocurrency" target="_blank" rel="noopener">Building your own cryptocurrency</a> can be a strategic move for businesses seeking to innovate and tap into new digital markets.</span></p>
<p dir="ltr">At <a href="https://agilie.com" target="_blank" rel="noopener">Agilie</a>, we understand that dealing with a complex environment is also a significant challenge. This is why we create powerful blockchain systems and wish to educate our clients regarding the breadth of blockchain-utilizing services. Therefore, such solutions can be tailored to your industry's concrete necessities and problems.</p>
<p dir="ltr"><a class="incut--wrap" style="transition-delay: 0s;" href="https://agilie.com/contacts" target="_blank" rel="noopener" aria-label="incut"><img style="height: 344px; width: 778px;" src="https://d3pxw3l8cozu05.cloudfront.net/images/f9e66e179b6747ae54108f82f8ade8b3c25d76fd30afde6c395822c530196169-1716281316627.png" width="100%" height="100%" /><span class="incut--text">Contact us to find out how our blockchain development services can help you achieve your goal.</span></a></p>

<p><span style="text-align: justify;">Discover the truths about blockchain technology as we debunk common myths and clarify its applications to empower businesses with informed integration.</span></p>

Discover the truths about blockchain technology as we debunk common myths and clarify its applications to empower businesses with informed integration.

Blockchain Myths Debunked: Separating Fact from Fiction | Agilie

<p dir="ltr" style="text-align: justify;">Welcome to the next stage of banking! Neobanks, online financial institutions, offer faster services and better user experiences. Did you realize that the global neobanking market will rise by a compound annual rate of 54.8% from 2023 to 2030? Rapid development is evidence of a new tendency toward digital-only financial solutions. Staying informed about security and technological advancement is crucial for protection, innovation, and opportunity. This article is designed to come up with the top edge trends that will shape the neobanking this year. Let&rsquo;s dive into the world of banking innovation that makes financial services more inclusive, safe, and attuned to the digital-savvy generation.</p>
<div id="form-description" class="form-description" data-title="Key Takeaways " data-text="The neobanking business attracts more customers and enters new markets with a prediction to get 386.30 million users by 2028.

Attention to the latest trends helps offer modern, effective, and secure banking solutions.

Neobanks integrates biometric security technology, AI-based assistance, personalization, and cryptocurrency for secure, user-friendly, and individualized services. ">
<div class="form-description-title">Key Takeaways</div>
<ul style="text-align: justify;">
<li dir="ltr" aria-level="1">
<p dir="ltr" style="text-align: left;" role="presentation">The neobanking business attracts more customers and enters new markets with a prediction to get 386.30 million users by 2028.</p>
</li>
<li dir="ltr" style="text-align: left;" aria-level="1">
<p dir="ltr" role="presentation">Attention to the latest trends helps offer modern, effective, and secure banking solutions.</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" style="text-align: left;" role="presentation">Neobanks integrates biometric security technology, AI-based assistance, personalization, and cryptocurrency for secure, user-friendly, and individualized services.&nbsp;</p>
</li>
</ul>
</div>
<h2 dir="ltr" style="text-align: justify;">Neobanking trends</h2>
<p dir="ltr">Neobanking transforms regular banking through the combination of advanced tech to ensure security, efficiency, and availability to customers. Let&rsquo;s study the latest neobank trends to compete and successfully establish in the market. Additionally, you can read about the <a href="https://agilie.com/blog/steps-in-our-neobank-development-process" target="_blank" rel="noopener">neobank app development</a> process.&nbsp;&nbsp;</p>
<p dir="ltr" style="text-align: justify;"><img src="https://d3pxw3l8cozu05.cloudfront.net/images/f9e66e179b6747ae54108f82f8ade8b3c25d76fd30afde6c395822c530196169-1713786619753.png" /></p>
<h3 dir="ltr" style="text-align: justify;">Open Banking</h3>
<p dir="ltr" style="text-align: justify;">Open banking is a new trend in neobanking based on APIs that bring more capacity for banks to share their data and functionality with other third-party developers. Its purpose is to make the banking system more transparent for the customers and to foster a competitive environment. Benefits include personal financial services, faster loan approvals, and better financial management instruments. Open banking encourages the emergence of healthier competition and collaboration among traditional banks and fintech startups with innovative solutions. Open banking is all about improving customers&rsquo; experience and financial management.</p>
<p style="text-align: justify;"><img src="https://d3pxw3l8cozu05.cloudfront.net/images/f9e66e179b6747ae54108f82f8ade8b3c25d76fd30afde6c395822c530196169-1713786641468.png" /></p>
<h3 dir="ltr" style="text-align: justify;">Banking-as-a-Service (BaaS)</h3>
<p dir="ltr" style="text-align: justify;">BaaS is a model where digital banks and fintech use the licensed infrastructure of traditional banks to provide their services. This model provides non-bank financial providers with an opportunity to build banking services into their products without the same regulatory and financial requirements. BaaS platforms function as intermediaries by offering real-time banking services like payment processing, credit facilities, and account management through APIs. This changing face of financial services prompts an overall reevaluation of how companies view financial services with creativity, to ensure an excellent customer experience and to yield additional revenue channels for companies outside the usual area of financial services.</p>
<p style="text-align: justify;"><img src="https://d3pxw3l8cozu05.cloudfront.net/images/f9e66e179b6747ae54108f82f8ade8b3c25d76fd30afde6c395822c530196169-1713786680811.png" /></p>
<h3 dir="ltr" style="text-align: justify;">AI-powered Assistance</h3>
<p dir="ltr" style="text-align: justify;">Artificial intelligence developments in neobank take into account machine learning algorithms to digest customer data, determine their needs, and forecast requests. These models propose automatic payments or reminders to prevent missed or late fees through monitoring purchase details, browsing behaviors, and inquiries.&nbsp;</p>
<p dir="ltr" style="text-align: justify;"><strong>For example:</strong>&nbsp;&nbsp;If the users upload the bills close to the end of the month, the assistant AI will remind them of the upcoming payments or even suggest automatic payments in the future to avoid late fees.</p>
<p dir="ltr" style="text-align: justify;">Natural language processing (NLP) technology has significantly improved, so virtual assistants can now process human language with a degree of complexity that matches and even exceeds that of humans. Bank users can talk to their neobank in a dialogue, with banking getting more altered and less scary. The cutting-edge NLP algorithms can grasp the context, tone, and purpose of a query, which allows them to handle more complex questions and provide naturally relevant responses.</p>
<p dir="ltr" style="text-align: justify;">Virtual assistants can now manage complex conversations and act on virtually many transactions, from single account inquiries to more complicated financial advice-giving and support of decision-making. This transformation reduces the tasks of human staff and gains clients for round-the-clock support. Neobanks will use AI-powered assistants to automate routine operations, which will ultimately free up human resources to focus on more strategic initiatives and thus, lowering operational costs.</p>
<p><a class="incut--wrap" style="transition-delay: 0s;" href="https://agilie.com/blog/ml-ai-and-fintech-how-maching-learning-and-artificial-intelligence-help-you-benefit" target="_blank" rel="noopener" aria-label="incut"><img style="height: 344px; width: 778px;" src="https://d3pxw3l8cozu05.cloudfront.net/images/f9e66e179b6747ae54108f82f8ade8b3c25d76fd30afde6c395822c530196169-1713786779007.png" width="100%" height="100%" /><span class="incut--text">Learn more about AI and ML solutions in fintech.&nbsp;</span></a></p>
<h3 dir="ltr" style="text-align: justify;">Hyper-personalization</h3>
<p dir="ltr" style="text-align: justify;">AI is the most valuable in the process of hyper-personalization because it enables the analysis of big data and the creation of insights and predictive models. Based on these models, companies can predict future consumer behavior and perform timely actions. As an illustration, if a customer&rsquo;s spending pattern suggests upcoming obvious cash flow issues, the neobank&rsquo;s AI system can prioritize and offer a customized plan of overdraft protection or short-term credit while customers are prepared to cover the bills without any financial strain.</p>
<p dir="ltr" style="text-align: justify;">Neobanks have a real-time personalization advantage, mainly because of their AI capability to process data in a split second. When the user interacts with the neobank&rsquo;s app or website, the AI assesses this behavior and displays the interface and the services accordingly.&nbsp;</p>
<p dir="ltr" style="text-align: justify;"><strong>For example:</strong>&nbsp;If the user checks the exchange rates frequently, the AI could display updated news on currency, inform about rate changes, and suggest an upgrade to a multi-currency bank account service.</p>
<p><a class="incut--wrap" style="transition-delay: 0s;" href="https://agilie.com/success-stories/chameleon-pay" target="_blank" rel="noopener" aria-label="incut"><img style="height: 344px; width: 778px;" src="https://d3pxw3l8cozu05.cloudfront.net/images/f9e66e179b6747ae54108f82f8ade8b3c25d76fd30afde6c395822c530196169-1713786904675.png" width="100%" height="100%" /><span class="incut--text">Learn more about Agilie&rsquo;s development process of a multi-digital wallet app.</span></a></p>
<p dir="ltr" style="text-align: justify;">Neobanks apply data analytics to figure out users&rsquo; financial behavior and lifestyle preferences, which leads to segmenting the customer base into specific groups and profiles and then rolling out products to meet individual needs.</p>
<p dir="ltr" style="text-align: justify;">Neobanks offer real and tailored solutions that assist in the development of customer credibility and solidity. They foster adhesion and retention via the process of offering personalized financial information, specialized product selection, and proactive customer support. Artificial intelligence can identify new business clients and improve personalization to boost the relationship.</p>
<p dir="ltr" style="text-align: justify;"><img src="https://d3pxw3l8cozu05.cloudfront.net/images/f9e66e179b6747ae54108f82f8ade8b3c25d76fd30afde6c395822c530196169-1713786928262.png" /></p>
<h3 dir="ltr" style="text-align: justify;">Crypto Integration</h3>
<p dir="ltr" style="text-align: justify;">Neobanking platforms incorporate cryptocurrency services into their offerings, using blockchain technology for trading, investment, and crypto storage for tech-savvy clients and by meeting the growing demand for easy-to-understand and secure cryptocurrency services.</p>
<p dir="ltr" style="text-align: justify;"><strong>Cryptocurrency Trading:</strong>&nbsp;Neobanks incorporate cryptocurrency buying, selling, and exchanging infrastructure within the app interfaces, allowing users to trade cryptos like traditional currencies. Sophisticated functionality includes smart bots, real-time data analysis, and alerts.</p>
<p><a class="incut--wrap" style="transition-delay: 0s;" href="https://agilie.com/blog/steps-in-our-neobank-development-process" target="_blank" rel="noopener" aria-label="incut"><img style="height: 344px; width: 778px;" src="https://d3pxw3l8cozu05.cloudfront.net/images/f9e66e179b6747ae54108f82f8ade8b3c25d76fd30afde6c395822c530196169-1713787033192.png" width="100%" height="100%" /><span class="incut--text">Discover how to develop a successful neobank in 2024.&nbsp;</span></a></p>
<p dir="ltr" style="text-align: justify;"><strong>Cryptocurrency Investment:</strong>&nbsp;Neobanks provide structured cryptocurrency investment products such as savings accounts and sophisticated financial products like crypto index funds and staking pools to create easy access to the welcoming environment for newbie investors.</p>
<p dir="ltr" style="text-align: justify;"><strong>Secure Storage Solutions:</strong>&nbsp;Neobanks goes a step further with secure storage solutions for digital assets, including insured wallets with multiple authentication options like biometric access controls, multi-signature, and decentralized backup systems assuring a secure and safe environment for customers.</p>
<p dir="ltr" style="text-align: justify;">Neobanks enhance customer knowledge and offer resources on investment risks, cryptocurrency, market dynamics, and security practices. This approach helps users interact and build trust around the service.</p>
<p><a class="incut--wrap" style="transition-delay: 0s;" href="https://agilie.com/expertise/fintech" target="_blank" rel="noopener" aria-label="incut"><img style="height: 344px; width: 778px;" src="https://d3pxw3l8cozu05.cloudfront.net/images/f9e66e179b6747ae54108f82f8ade8b3c25d76fd30afde6c395822c530196169-1713787089626.png" width="100%" height="100%" /><span class="incut--text">Learn more about Agilie&rsquo;s fintech software development services.&nbsp;</span></a></p>
<h2 dir="ltr" style="text-align: justify;">Conclusion</h2>
<p dir="ltr" style="text-align: justify;">Neobanking is reshaping the banking landscape through continuous innovation and customer-centric change through the use of sophisticated biometric security, AI assistants, hyper-personalization, and cryptocurrency services. Such trends are changing banking into a secure, customer-focused, and technologically merged service. Neobanks respond to the changing times and form technology-driven solutions to overcome competition and support growth in the digital era. The continued success of neobanks lies in their capability to incorporate new technologies with a consumer-oriented approach.</p>
<p dir="ltr" style="text-align: justify;">Agilie is a reliable partner in neobanking and fintech innovation, with solutions designed individually to match demands and exceed them.&nbsp;<a href="https://agilie.com/company" target="_blank" rel="noopener">Our team</a>&nbsp;has the competencies in regulatory compliance to guarantee that businesses engage with the complexities swiftly. Agilie provides continuous support and tactical insights, so clients can adjust and succeed in the financial sector.</p>
<p><a class="incut--wrap" style="transition-delay: 0s;" href="https://agilie.com/contacts" target="_blank" rel="noopener" aria-label="incut"><img style="height: 344px; width: 778px;" src="https://d3pxw3l8cozu05.cloudfront.net/images/f9e66e179b6747ae54108f82f8ade8b3c25d76fd30afde6c395822c530196169-1713787138819.png" width="100%" height="100%" /><span class="incut--text">Contact us and make your idea a skyrocketing reality. </span></a></p>

<p>Stay ahead in the fast-growing fintech industry and explore the neobanking trends in 2024 with Agilie.</p>

Stay ahead in the fast-growing fintech industry and explore the neobanking trends in 2024 with Agilie.

Neobanking Trends That Will Impact Industry in 2024 | Agilie

<p dir="ltr" style="text-align: justify;">The blockchain technology was initially developed for Bitcoin transactions as a secure method. Today, blockchain is considered the fundamental of modern business inventions. It is a peer-to-peer system that utterly reverses the formal financial structure and thus reshapes the entire digital world. Acquire strategic instructions and tips on how to tackle the mentioned challenges and discover other opportunities waiting within this article.</p>
<div id="form-description" class="form-description" data-title="Key Takeaways" data-text="Blockchain technology has been developed from being the origin of Bitcoin to encompassing business applications after Ethereum with the ability to build decentralized applications and the surge of Decentralized Finance (DeFi).

Developing Blockchain trends involves interoperability, IoT and AI integration, mobile banking, NFTs, and BaaS.

Overcoming the blockchain challenges and navigating the complex regulatory landscape is indispensable for widespread adoption.">
<div class="form-description-title">Key Takeaways</div>
<ul>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">Blockchain technology has been developed from being the origin of Bitcoin to encompassing business applications after Ethereum with the ability to build decentralized applications and the surge of Decentralized Finance (DeFi).</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">Developing Blockchain trends involves interoperability, IoT and AI integration, mobile banking, NFTs, and BaaS.</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">Overcoming the blockchain challenges and navigating the complex regulatory landscape is indispensable for widespread adoption.</p>
</li>
</ul>
<span id="docs-internal-guid-bfb7e9f3-7fff-ae4b-af27-0a4167dceed0"></span></div>
<h2 dir="ltr" style="text-align: justify;"><strong>Blockchain's Inception with Bitcoin&nbsp;</strong>&nbsp;&nbsp;&nbsp;</h2>
<p dir="ltr" style="text-align: justify;">W. Scott Stornetta and Stuart Haber, pioneering cryptographers in the early 1990s, introduced secure digital time-stamping and chain linking, laying the foundation for blockchain technology.&nbsp;</p>
<p dir="ltr" style="text-align: justify;">But only in 2008, that blockchain technology become accessible to everyone, when a person or group of people under the pseudonym Satoshi Nakamoto, improved it to become a public document containing secure and transparent transactions. Thanks to its creative architecture, the central authority has become unnecessary. This innovative option took the form of money and laid down the necessary steps for other applications far beyond digital currencies.</p>
<h2 dir="ltr" style="text-align: justify;"><strong>Expansion Beyond Bitcoin&nbsp;</strong>&nbsp;&nbsp;&nbsp;</h2>
<p dir="ltr" style="text-align: justify;">The real transformation happened when Ethereum approached, and blockchain technology was no longer limited to Bitcoin transactions. The implementation of smart contracts has greatly contributed to the development of DApps across many sectors. Such a type of self-executing contract located on the blockchain directly creates an option to have automatic, transparent, and safe transactions without intermediaries. The effects of this technology are far-reaching with DeFi, tokenization, and smart contract-based governance models emerging which will lead to the considerable diminution of dependencies on intermediaries and central authorities. This innovation thus showcases the broad applicability of blockchains, facilitating major industries' revolution by increasing efficiency, security, and trust.&nbsp;</p>
<p dir="ltr"><a class="incut--wrap" style="transition-delay: 0s;" href="https://agilie.com/blog/enterprise-blockchain-development-how-businesses-derive-benefits" target="_blank" rel="noopener" aria-label="incut"><img style="height: 344px; width: 778px;" src="https://d3pxw3l8cozu05.cloudfront.net/images/f9e66e179b6747ae54108f82f8ade8b3c25d76fd30afde6c395822c530196169-1712154144135.png" width="100%" height="100%" /><span class="incut--text">Find out how businesses derive benefits from blockchain development in our article.&nbsp;</span></a></p>
<h2 dir="ltr" style="text-align: justify;"><strong>The Rise of DeFi</strong></h2>
<p dir="ltr" style="text-align: justify;">Blockchain is the technology transforming the financial space by introducing the concept of Decentralized Finance (DeFi). One of the advantages of the decentralized finance systems based upon blockchain technology for the participants is that it eliminates the need for traditional financing intermediaries and presents a quiet set of financial services directly between the parties like lending, borrowing, and trading the assets. The invention of this technology improves the efficiency, safety, and democratization of financial services through a cost-effective channel.</p>
<h3 dir="ltr" style="text-align: justify;">Supply Chain Enhancement</h3>
<p dir="ltr" style="text-align: justify;">Blockchain has brought in an unimaginable level of transparency and efficiency in supply chain management. Through the immutable storing of each transaction or product movement on a distributed ledger, the stakeholders are enabled to track the movement of goods from origin to consumer. The Hyperledger project, an open-source initiative managed by the Linux Foundation, combines cross-sectoral and cross-functional contributions to improve blockchain frameworks and tools. Its goal is to facilitate the collaborative technology adoption of distributed registers based on blockchain technology.</p>
<p dir="ltr" style="text-align: justify;"><strong>For example:</strong>&nbsp;In trade finance, the blockchain enables all parties (buyers, suppliers, and logistics providers) to access the same real-time data on the status and ownership of goods, and this makes it possible to streamline the verification process and remove the risk of fraud. Financial services such as lending, payments, and insurance in the supply chain are more secure, fast, and reliable.</p>
<h3 dir="ltr" style="text-align: justify;">Identity Verification</h3>
<p dir="ltr" style="text-align: justify;">The importance of blockchain in creating a secure environment for digital identities cannot be overstated. Through a decentralized process of identity confirmation, people have more power and privacy over their personal information. Thus, such a mechanism helps to contain the risk of identity theft and fraud by providing a way for the approval or rejection of identities in a protected manner.</p>
<p dir="ltr" style="text-align: justify;">Agilie applies profound technical proficiency in blockchain to develop innovative products and services.</p>
<p dir="ltr"><a class="incut--wrap" style="transition-delay: 0s;" href="https://agilie.com/expertise/fintech/blockchain-software" target="_blank" rel="noopener" aria-label="incut"><img style="float: left;" src="https://d3pxw3l8cozu05.cloudfront.net/images/f9e66e179b6747ae54108f82f8ade8b3c25d76fd30afde6c395822c530196169-1712154220943.png" width="100%" height="100%" /><span class="incut--text">Find out more about Agilie's blockchain software development services.&nbsp;</span></a></p>
<h2 dir="ltr" style="text-align: justify;"><strong>Key Trends and Potentials in Blockchain</strong></h2>
<p dir="ltr" style="text-align: justify;">Soon, it is envisaged to have ever-growing blockchain technology utilization since it has proved its capability to work together with other technology innovations and its increasing application across multiple industries.</p>
<p dir="ltr" style="text-align: justify;"><img src="https://d3pxw3l8cozu05.cloudfront.net/images/f9e66e179b6747ae54108f82f8ade8b3c25d76fd30afde6c395822c530196169-1712154356799.png" /></p>
<h3 dir="ltr" style="text-align: justify;">1. Interoperability and Cross-Chain Solutions</h3>
<p dir="ltr" style="text-align: justify;">Through the initiatives in interoperability, the broad utility of the blockchain is being improved by facilitating quick interactions among different platforms leading to the enhanced efficiency of the different applications.</p>
<h3 dir="ltr" style="text-align: justify;">2. Blockchain and IoT Integration</h3>
<p dir="ltr" style="text-align: justify;">The conjunction of blockchain technology with the&nbsp;<a href="https://agilie.com/blog/how-the-internet-of-things-iot-can-boost-your-business" target="_blank" rel="noopener">Internet of Things</a>&nbsp;(IoT) provides smart devices with security, privacy, and reliability, which facilitates automated, clear, and self-governing IoT solutions.</p>
<h3 dir="ltr" style="text-align: justify;">3. Blockchain and AI Convergence</h3>
<p dir="ltr" style="text-align: justify;">Blockchain and AI technologies are an unbeatable pairing in terms of data processing and analyzing, putting trust and transparency first, and making blockchain smart contracts more effective with AI.</p>
<h3 dir="ltr" style="text-align: justify;">4. Enhanced Mobile Banking and Payments</h3>
<p dir="ltr" style="text-align: justify;">Blockchain is fanning the mobile banking and&nbsp;<a href="https://agilie.com/blog/blockchain-payments" target="_blank" rel="noopener">payments revolution</a>, and offering a superior choice, which is faster, safer, and more cost-effective whilst eliminating reliance on intermediaries, mostly in underprivileged areas.</p>
<h3 dir="ltr" style="text-align: justify;">5. The Rise of NFTs</h3>
<p dir="ltr" style="text-align: justify;">Non-fungible tokens (NFTs) are an innovative application of blockchain technology. You can explore our step-by-step guide on <a href="https://agilie.com/blog/ultimate-guide-on-how-to-create-an-nft-marketplace" target="_blank" rel="noopener">how to build an NFT marketplace</a>. They solve the problem of identification of unique digital assets' ownership and open up new horizons for asset management and tracking.</p>
<p dir="ltr"><a class="incut--wrap" style="transition-delay: 0s;" href="https://agilie.com/success-stories" target="_blank" rel="noopener" aria-label="incut"><img style="float: left;" src="https://d3pxw3l8cozu05.cloudfront.net/images/f9e66e179b6747ae54108f82f8ade8b3c25d76fd30afde6c395822c530196169-1712154452180.png" width="100%" height="100%" /><span class="incut--text">Explore Agilie's fascinating projects of developing a crypto wallet, a multi-digital wallet, an NFT-based app, and other successful stories.</span></a></p>
<h3 dir="ltr" style="text-align: justify;">6. Blockchain-as-a-Service (BaaS)</h3>
<p dir="ltr" style="text-align: justify;">BaaS is a popular model that allows companies to take advantage of blockchain technology without developing their infrastructure. The model provides users with a low-cost, flexible, and scalable solution for the implementation of custom applications and smart contracts.</p>
<p dir="ltr" style="text-align: justify;">Big tech players such as Google and Microsoft help to create the blockchain ecosystem through cloud-based blockchain-as-a-service (Baas) platforms.</p>
<h2 dir="ltr" style="text-align: justify;"><strong>Challenges of Blockchain</strong></h2>
<p dir="ltr" style="text-align: justify;">Blockchain technology is one of the most important tools nowadays which is developing and improving its status through different implementations and applications. This comes with its share of hurdles that must be overcome for the technology to become mass-adopted. So let's take a look at the roots of the problems.&nbsp;</p>
<p dir="ltr" style="text-align: justify;"><img src="https://d3pxw3l8cozu05.cloudfront.net/images/f9e66e179b6747ae54108f82f8ade8b3c25d76fd30afde6c395822c530196169-1712154476566.png" /></p>
<h3 dir="ltr" style="text-align: justify;">1. Scalability&nbsp;</h3>
<p dir="ltr" style="text-align: justify;">Blockchain technology has a scalability problem that may slow down its operation speed and transaction volume. For example, we can use parallelization solutions such as sharding or another consensus protocol to improve scalability while maintaining security and decentralization.&nbsp;</p>
<h3 dir="ltr" style="text-align: justify;">2. Regulatory Hurdles&nbsp;</h3>
<p dir="ltr" style="text-align: justify;">Blockchain and cryptocurrencies require a complex regulatory approach, where preserving the right proportion of innovation and security, privacy, and meeting regulatory requirements should be balanced adequately within the jurisdictions.&nbsp;</p>
<h3 dir="ltr" style="text-align: justify;">3. Energy Consumption</h3>
<p dir="ltr" style="text-align: justify;">The energy-intensive aspect of blockchain, especially in the proof-of-work (PoW) consensus protocol, raises questions about its sustainability. A key factor for reducing environmental impact will be the transition to the energy-efficient Proof of Stake (PoS). Algorithms like SHA-256 in Bitcoin or the upcoming use of PoS in Ethereum 2.0 ensure the security, integrity, and efficiency of the blockchain network.</p>
<h3 dir="ltr" style="text-align: justify;">4. Interoperability</h3>
<p dir="ltr" style="text-align: justify;">Interoperability makes possible the transmission of data and the sharing of information among different blockchains. That ensures an unbreakable blockchain network and cross-platform transactions.&nbsp;</p>
<h3 dir="ltr" style="text-align: justify;">5. Security and data privacy concerns</h3>
<p dir="ltr" style="text-align: justify;">Blockchain security does not only give us benefits, but it also has code vulnerabilities, attacks, and smart contract exploits among its ledger threats. The privacy issues that are raised are data encryption and misuse. Companies require strong encryption and privacy technologies to successfully overcome this challenge. For example, RSA encryption is a critical sort of cryptography that contributes to the security of blockchain networks. It ensures that data is delivered securely, transactions are safe, and user privacy is protected through transaction verification and secure information transmission.</p>
<p dir="ltr"><a class="incut--wrap" style="transition-delay: 0s;" href="https://agilie.com/blog/secure-smart-contract-design-best-practices-in-solidity-programming" target="_blank" rel="noopener" aria-label="incut"><img style="height: 344px; width: 778px;" src="https://d3pxw3l8cozu05.cloudfront.net/images/f9e66e179b6747ae54108f82f8ade8b3c25d76fd30afde6c395822c530196169-1712154541590.png" width="100%" height="100%" /><span class="incut--text">Learn more about secure smart contact design to provide the best cybersecurity solutions for each blockchain project.</span></a></p>
<h3 dir="ltr">6. User acceptability and understanding&nbsp;</h3>
<p dir="ltr" style="text-align: justify;">Instruction problems, user-friendliness, and ignorance are stumbling blocks that blockchain technologies are facing at present. Experience-making, positive user interface upgrades, and providing enlightenment can help achieve blockchain implementation. The cooperation of the developers, the industry management, the legislators, and the society usually does the primary process of dimension. Nevertheless, the spread of blockchain will require the implementation of technology, a revamp of the governance systems, and the deployment of education programs.</p>
<h2 dir="ltr" style="text-align: justify;"><strong>Blockchain Regulations</strong></h2>
<p dir="ltr" style="text-align: justify;">Government authorities and multinational regulatory institutions find it challenging to develop regulations that can govern blockchain, the corresponding applications, cryptocurrency, digital assets, and decentralized platforms to ensure data security and consumer protection while maintaining growth and innovation.</p>
<p dir="ltr" style="text-align: justify;"><img src="https://d3pxw3l8cozu05.cloudfront.net/images/f9e66e179b6747ae54108f82f8ade8b3c25d76fd30afde6c395822c530196169-1712154569725.png" /></p>
<h3 dir="ltr" style="text-align: justify;">Anti-Money Laundering (AML) and Counter-Terrorist Financing (CTF)<strong>&nbsp;</strong></h3>
<p dir="ltr" style="text-align: justify;">Regulations focus on implementing AML/CTF practices within the blockchain applications related to crypto exchanges and wallet providers. This step includes the Know Your Customer (KYC) procedures to stop illicit activities.</p>
<h3 dir="ltr" style="text-align: justify;">Securities and Trading&nbsp;</h3>
<p dir="ltr" style="text-align: justify;">Most jurisdictions have taken responsibility for categorizing digital assets under securities law. Such named categorization affects the rules for ICOs, token sales, and digital assets exchange, including registration and disclosure obligations.</p>
<h3 dir="ltr" style="text-align: justify;">Data Privacy and Protection</h3>
<p dir="ltr" style="text-align: justify;">The reality of blockchain only intensifies questions of data privacy and compliance by regulation of the Securities and Exchange Commission (<a href="https://www.sec.gov/" target="_blank" rel="noopener">SEC</a>), Commodity Futures Trading Commission (<a href="https://www.cftc.gov/" target="_blank" rel="noopener">CFTC</a>), the European General Data Protection Regulation (<a href="https://gdpr-info.eu/" target="_blank" rel="noopener">GDPR</a>), etc. The immutable feature of blockchain represents a unique barrier to the implementation of "the right to be forgotten" - the fundamental privacy principle behind such regulations.</p>
<h3 dir="ltr" style="text-align: justify;">Taxation</h3>
<p dir="ltr" style="text-align: justify;">The taxation of cryptocurrencies and blockchain transactions is another primary target for the authorities, who are now trying to clarify tax obligations for capital gains, income, and transactions that involve cryptocurrencies.</p>
<h3 dir="ltr" style="text-align: justify;">Consumer Protection</h3>
<p dir="ltr" style="text-align: justify;">Making the users protect them from fraud, scams, and other malicious practices within the blockchain sector is a must. The regulating bodies make tight rules for project developers and service providers to boost transparency and security for the consumers.</p>
<p dir="ltr" style="text-align: justify;">The developing regulatory framework of blockchain on the global scale is fragmented and some countries adopt open and welcoming stances towards blockchain innovations, whereas others are cautious or restrictive. Nevertheless, global cooperation is becoming a reality to set in place transnational regulatory standards.</p>
<h2 dir="ltr" style="text-align: justify;"><strong>Conclusion&nbsp;</strong></h2>
<p dir="ltr" style="text-align: justify;">Blockchain has transformed from a mechanism to perform secure financial transactions to a fundamental change in technology business innovation. It transforms financial systems, administration, and various confirmations. However, the problems of scaling up, excessive energy use, and regulatory issues still stand in the way of sustainable development. Agilie, as an experienced blockchain software company, will come up with strategic recommendations, technical assistance, and all the details for businesses to overcome and comprehend the complexities of blockchain implementation.</p>
<p dir="ltr"><a class="incut--wrap" style="transition-delay: 0s;" href="https://agilie.com/contacts" target="_blank" rel="noopener" aria-label="incut"><img style="height: 344px; width: 778px;" src="https://d3pxw3l8cozu05.cloudfront.net/images/f9e66e179b6747ae54108f82f8ade8b3c25d76fd30afde6c395822c530196169-1712154675499.png" width="100%" height="100%" /><span class="incut--text">Contact us to leverage the full potential of blockchain technology that will help to grow, save resources, and become competitive in the digital world with Agilie.</span></a></p>

<p><span style="text-align: justify;">Explore the transformative journey of blockchain technology, and uncover key trends, challenges, and regulations aspects of business growth with Agilie.</span></p>

Explore the transformative journey of blockchain technology, and uncover key trends, challenges, and regulations aspects of business growth with Agilie.

The Evolution of Blockchain: From Bitcoin to Business Applications | Agilie

<p dir="ltr" style="text-align: justify;">Web 3.0 is a critical point, showing that the more intelligent the Internet is, the more tasks it executes and the simpler it is to access. This year, 2024, will offer increasing opportunities and invite entrepreneurs to keep themselves at the innovation line of scenery as they have the potential to grow, be innovative, and achieve results.</p>
<p dir="ltr" style="text-align: justify;">In the article, we consider key tendencies of the Web 3.0 ecosystem that can cause main shocks in business from 2024 to the future. Let's start the journey together from the front line of the digital age.</p>
<div id="form-description" class="form-description" style="text-align: left;" data-title="Key Takeaways " data-text="Web 3.0 is the digital revolution, indicating a more integrated, intelligent Internet that guarantees growth and success.

Web 3.0 provides new areas of involvement, protection, safety, and personalization opening up a vast dimension of digital participation.

The latest Web 3.0 trends affect the business environment, improve customer experience, and contribute to competitiveness in different industries.">
<div class="form-description-title">Key Takeaways</div>
- Web 3.0 is the digital revolution, indicating a more integrated, intelligent Internet that guarantees growth and success.&nbsp;<br />- Web 3.0 provides new areas of involvement, protection, safety, and personalization, opening up a vast dimension of digital participation.&nbsp;<br />- The latest Web 3.0 trends affect the business environment, improve customer experience, and contribute to competitiveness in different industries.</div>
<h2 dir="ltr" style="text-align: justify;">Advancement of Interoperability</h2>
<p dir="ltr" style="text-align: justify;">In Web 3.0, interoperability means that various blockchain protocols and platforms can interact without obstacles and stand at the same level. Many things can be immediately sent and utilized through networks, from documents to finances.</p>
<p dir="ltr" style="text-align: justify;">One of the major trends of 2024 will be the improvement of interoperability, which leads to increased integration of financial services and further customer-centricity. Thus, DeFi can become compatible with several blockchain networks so that users can obtain different assets and services without being forced to deal with blocked assets in any network. Such steps aim to support the user experience and thereby contribute to developing a wider, more diverse, and inclusive financial environment.</p>
<p dir="ltr" style="text-align: justify;"><img src="https://d3pxw3l8cozu05.cloudfront.net/images/f9e66e179b6747ae54108f82f8ade8b3c25d76fd30afde6c395822c530196169-1710760508632.png" /></p>
<h2 dir="ltr" style="text-align: justify;">Welcoming Virtual Identities</h2>
<p dir="ltr" style="text-align: justify;">The coming age of Web 3.0 calls forth significant changes, where virtual identities and digital wallets become more pronounced, thus modernizing the character of online interaction and transactions. Distinct from the traditional model, Web 3.0 is based on the concepts of decentralization and user-driven systems.</p>
<p dir="ltr" style="text-align: justify;">Digital wallets in Web 3.0 can hold cryptocurrency, be an identity and credentials representative in the blockchain, and have a secure and mobile way of accessing Web 3.0 services without giving personal data to third parties.&nbsp;</p>
<p dir="ltr" style="text-align: justify;"><a href="https://agilie.com" target="_blank" rel="noopener">Agilie</a>, the software development company, applies web3 identity solutions, improving user experience and security through blockchain encryption and distributed networks, reducing data breaches and fraud risks.&nbsp;</p>
<p dir="ltr" style="text-align: justify;">Our professional developers created a crypto wallet, which has been a great success.&nbsp;</p>
<p style="text-align: left;"><a class="incut--wrap" style="transition-timing-function: ease; transition-property: all;" href="https://agilie.com/success-stories/wallex" target="_blank" rel="noopener" aria-label="incut"><img style="height: 344px; width: 778px;" src="https://d3pxw3l8cozu05.cloudfront.net/images/f9e66e179b6747ae54108f82f8ade8b3c25d76fd30afde6c395822c530196169-1710760577826.png" width="100%" height="100%" /><span class="incut--text">Find out more about the Wallex project.</span></a></p>
<h2 dir="ltr" style="text-align: justify;">Utility NFTs Taking Center Stage</h2>
<p dir="ltr" style="text-align: justify;">NFTs' evolution from digital art collectibles to something more functional is a crucial change in the digital infrastructure regarding how companies leverage blockchain technology. With&nbsp;<a href="https://agilie.com/blog/secure-smart-contract-design-best-practices-in-solidity-programming" target="_blank" rel="noopener">smart contract</a>&nbsp;technology automating the transactions and conditions, NFTs create a point of reference between digital assets and ownership.&nbsp;</p>
<p dir="ltr" style="text-align: justify;">The application areas range from simplifying transactions and verifying physical assets to creating a more realistic and interactive digital world.</p>
<p dir="ltr" style="text-align: justify;">Agilie prioritizes embedding NFTs into software solutions, resulting in a system where digital tokens improve the experience and introduce new features. Our development process stresses a modular design that allows NFTs to be easily integrated into the existing systems. We devised modern NFT technology in projects like Lolypto.</p>
<p dir="ltr" style="text-align: justify;"><a href="https://agilie.com/success-stories/lolypto" target="_blank" rel="noopener">Lolypto</a>&nbsp;is Agilie's innovative NFT and AI-based Chat game app. People and cryptocurrency are merged through live video streaming, AI, and NFT technologies. This combination gives the possibility to play, learn, have fun, and master the technology at the same time.</p>
<p style="text-align: left;"><a class="incut--wrap" style="transition-timing-function: ease; transition-property: all;" href="https://agilie.com/blog/from-concept-to-reality-nft-game-development-explained" target="_blank" rel="noopener" aria-label="incut"><img style="height: 344px; width: 778px;" src="https://d3pxw3l8cozu05.cloudfront.net/images/f9e66e179b6747ae54108f82f8ade8b3c25d76fd30afde6c395822c530196169-1710760648455.png" width="100%" height="100%" /><span class="incut--text">Find out more about NFT development.</span></a></p>
<h2 dir="ltr" style="text-align: justify;">Blockchain in Banking and Financial Services</h2>
<p dir="ltr" style="text-align: justify;">Blockchain technology integration in banking and financial services is one of the most disruptive Web 3.0 trends that could entirely remake the current fintech landscape. This occurs because the blockchains provide the greatest certainty, visibility, and efficiency for transactions and data administration. Smart contracts integrate and enforce the contract terms, thus producing minimal chances of fraud and error and ensuring compliance with regulatory standards. Blockchain technology is aimed at simplifying and accelerating financial processes, from payments to cross-border transactions, which is done by eliminating intermediaries and significantly reducing the transaction time from several days to seconds.</p>
<p dir="ltr" style="text-align: justify;">Agilie combines years of experience in the fintech industry with practice-proven technologies to deliver reliable software development solutions to meet clients&rsquo; requirements.</p>
<p style="text-align: left;"><a class="incut--wrap" style="transition-timing-function: ease; transition-property: all;" href="https://agilie.com/expertise/fintech" target="_blank" rel="noopener" aria-label="incut"><img style="height: 344px; width: 778px;" src="https://d3pxw3l8cozu05.cloudfront.net/images/f9e66e179b6747ae54108f82f8ade8b3c25d76fd30afde6c395822c530196169-1710760722531.png" width="100%" height="100%" /><span class="incut--text">Find out more about fintech software development services.</span></a></p>
<h2 dir="ltr" style="text-align: justify;">Decentralized Metaverse</h2>
<p dir="ltr" style="text-align: justify;">The decentralized Metaverse is constructed on a Web 3.0 approach using blockchain technologies that enable an enormous and boundless network of virtual spaces where users can interact, transact, and create in a decentralized manner without a single controlling structure. Metaverse makes things easier and provides more autonomy, privacy, and security than the previous system could support. People can own, purchase, and sell digital money verifiably to become a part of the virtual economy and social, educational, and professional activities in a complete and lasting environment.</p>
<p dir="ltr" style="text-align: justify;">The fundamental rules consist of creating and managing digital assets via NFTs, constructing secure and efficient networks that can support numerous transactions, and the development of user-friendly interfaces.</p>
<p dir="ltr" style="text-align: justify;">Agilie's professionals provide secure and efficient blockchain application development and use technical expertise to ensure clients benefit from blockchain, leading to higher efficiency, security, and customer engagement.</p>
<p dir="ltr" style="text-align: left;"><a class="incut--wrap" style="transition-timing-function: ease; transition-property: all;" href="https://agilie.com/expertise/fintech/blockchain-software" target="_blank" rel="noopener" aria-label="incut"><img style="height: 344px; width: 778px;" src="https://d3pxw3l8cozu05.cloudfront.net/images/f9e66e179b6747ae54108f82f8ade8b3c25d76fd30afde6c395822c530196169-1710760767435.png" width="100%" height="100%" /><span class="incut--text">Learn more about our blockchain software development services.</span></a></p>
<h2 dir="ltr" style="text-align: justify;">Web 3.0 and AI Integration</h2>
<p dir="ltr" style="text-align: justify;">The&nbsp;<a href="https://agilie.com/blog/ml-ai-and-fintech-how-maching-learning-and-artificial-intelligence-help-you-benefit" target="_blank" rel="noopener">AI</a>&nbsp;role in Web 3.0 has shifted towards individualizing the user experience and improving efficiency. Using machine learning algorithms and data analytics, AI goes as far as understanding user likes and preferences, their behavior, and needs to provide personalized content, recommendations, resources, and services.</p>
<p dir="ltr" style="text-align: justify;">Integrating AI-driven insights in fintech enables more precise risk assessment, fraud detection, and customer service. Utilizing AI with blockchain technologies optimizes smart contract efficiency and automates more complex transactions, minimizing costs and enhancing transaction speed.</p>
<p dir="ltr" style="text-align: justify;">Agilie's AI development prioritizes product scalability, security, and user-centricity. Our solutions are designed to be integrated into the existing systems, which provide organizations with a competitive advantage in offering prompt and individualized services.</p>
<p dir="ltr" style="text-align: left;"><a class="incut--wrap" style="transition-timing-function: ease; transition-property: all;" href="https://agilie.com/success-stories" target="_blank" rel="noopener" aria-label="incut"><img style="height: 344px; width: 778px;" src="https://d3pxw3l8cozu05.cloudfront.net/images/f9e66e179b6747ae54108f82f8ade8b3c25d76fd30afde6c395822c530196169-1710760817722.png" width="100%" height="100%" /><span class="incut--text">Discover Agilie&rsquo;s solutions in our projects.</span></a></p>
<h2 dir="ltr" style="text-align: justify;">Expansion of DeFi</h2>
<p dir="ltr" style="text-align: justify;">The rise of Decentralized Finance (DeFi) plays the role of Web 3.0 innovative element. DeFi platforms allow all users control over their assets with secure, transparent, and instant transactions. The scope for financial operations extends from lending and borrowing to trading and investing without intermediaries, reducing costs and improving efficiency. The smart contracts embedded in the DeFi platforms' framework also bring forward programmable transactions. This lowers the risk of fraud and commitment errors. Our inspired&nbsp;<a href="https://agilie.com/company" target="_blank" rel="noopener">developer team</a>&nbsp;designs DeFi platforms that support the security of digital assets, hold large volumes of transactions, and can be interoperable with other blockchain platforms.&nbsp;</p>
<p dir="ltr" style="text-align: left;"><a class="incut--wrap" style="transition-timing-function: ease; transition-property: all;" href="https://agilie.com/blog/secure-smart-contract-design-best-practices-in-solidity-programming" target="_blank" rel="noopener" aria-label="incut"><img style="height: 344px; width: 778px;" src="https://d3pxw3l8cozu05.cloudfront.net/images/f9e66e179b6747ae54108f82f8ade8b3c25d76fd30afde6c395822c530196169-1710760862330.png" width="100%" height="100%" /><span class="incut--text">Read more about secure smart contact design and tools.</span></a></p>
<h2 dir="ltr" style="text-align: justify;">Government Regulation</h2>
<p dir="ltr" style="text-align: justify;">The decentralization of Web 3.0 has many advantages, such as privacy, security, and access. However, it raises questions of accountability and consumer protection. The instances of fraud, hacking, and the misuse of decentralized platforms have emphasized the need for a law to manage the risks without choking innovation. Intellectual property (IP) rights, privacy, data protection, the use of artificial intelligence (AI), and other emerging technologies are legal topics covered by the Web 3.0 regulation that will be improved and expanded in the future. Engineers and companies should prioritize compliance and stay updated with the ever-changing adjustments.</p>
<p dir="ltr" style="text-align: justify;">These trends will shape 2024 and transform business. Let's go ahead and summarize how.</p>
<h2 dir="ltr" style="text-align: justify;">Transformative Impacts of Web 3.0 Trends on Business</h2>
<p dir="ltr" style="text-align: justify;">Web 3.0 trends have a significant and diverse impact on businesses. They have the potential to transform the industry landscape in the next ways:</p>
<ol style="text-align: justify;">
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">Decentralization and increased security.</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">Enhanced transparency and credibility.</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">Efficiency and speed of service increased.</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">Improved access and interaction.</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">Innovative financial products and services.</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">Improved customer experience.</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">Interoperability and cross-platform integration.</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">Regulatory adaptation and compliance.</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">Competitive differentiation.</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">Market development and new income sources.</p>
</li>
</ol>
<p dir="ltr" style="text-align: justify;">Companies that skillfully incorporate and adjust to these trends pave the way for innovations, upgrades, and rethinking financial services of the digital era with a trusted technology partner.</p>
<h2 dir="ltr" style="text-align: justify;">Agilie: Your Trusted Partner in Navigating Web 3.0</h2>
<p dir="ltr" style="text-align: justify;">With the changing nature of Web 3.0, searching for a reliable development partner that corresponds to the complex balance between innovation, user experience, and compliance with regulations is essential. Agilie's team, with profound knowledge of technological, legal, and market factors, influences the Web 3.0 space. Our expertise includes software blockchain and fintech development, banking and payment solutions, and more. Therefore, our customers always get comprehensive and tailored products and services. Together, we will craft the technology of tomorrow! Just&nbsp;<a href="https://agilie.com/contacts" target="_blank" rel="noopener">contact us</a>.</p>
<h2 dir="ltr" style="text-align: justify;">Conclusion</h2>
<p dir="ltr" style="text-align: justify;">Web 3.0 will generate new heights and opportunities to reinvent businesses in 2024. The switch to a transparent and easy-to-use decentralized digital space means a new dawn for innovation, security, and growth. The trends of decentralized finance, digital identities, interoperability, AI, NFT, and many others have fundamental changes that will define business models, customer interaction, and market structure for the future.</p>
<p dir="ltr" style="text-align: justify;">Agilie has proven technical skills, industry experience, and innovative thinking to engineer secure, effective, and progressive solutions.</p>
<p dir="ltr" style="text-align: justify;">Please fill out our contact form to find out how Agilie can be a part of your business' success using Web 3.0 technologies.</p>
<p style="text-align: left;"><a class="incut--wrap" style="transition-timing-function: ease; transition-property: all;" href="https://agilie.com/contacts" target="_blank" rel="noopener" aria-label="incut"><img style="height: 344px; width: 778px;" src="https://d3pxw3l8cozu05.cloudfront.net/images/f9e66e179b6747ae54108f82f8ade8b3c25d76fd30afde6c395822c530196169-1710760924903.png" width="100%" height="100%" /><span class="incut--text">Transform your future! Fill out our contact form.</span></a></p>

<p>Explore the transformative potential of Web 3.0 trends for businesses in 2024 and beyond with Agilie to prepare for the digital future.</p>

Explore the transformative potential of Web 3.0 trends for businesses in 2024 and beyond with Agilie to prepare for the digital future.

Web 3.0 in 2024: Key Trends and Their Impact on Business | Agilie

<p dir="ltr" style="text-align: justify;">Clarify augmented reality app development cost and explore the relevant tools for its crafting.</p>

Clarify augmented reality app development cost and explore the relevant tools for its crafting.

How Much Does It Cost to Build an Augmented Reality App? | Agilie

<p dir="ltr" style="text-align: justify;">Welcome to the forefront of the digital revolution, where accessibility is no longer just a requirement but a pathway to inclusivity. In this era of dynamic transformation, the European Accessibility Act 2025 takes a central place. It encourages digital businesses to meet the needs of all consumers. Ensuring EAA compliance is a strategic step that can improve or redefine the brand's relationship with a significant part of the European market and beyond. We will show how to turn compliance into a competitive advantage.</p>
<div id="form-description" class="form-description" style="text-align: justify;" data-title="Key Takeaways" data-text="The EAA  applies to all businesses that provide digital products and services.
Compliance with the Act's requirements allows businesses to enter new markets, attract a new segment of users, and provide a competitive advantage.
Giving priority to accessibility builds customer trust and loyalty and strengthens brand confidence.
Compliance with the Act's requirements protects businesses from legal consequences by reducing the risk of lawsuits and fines and facilitates international transactions using a standardized approach. 
An important issue for every company is finding a reliable development partner to help its digital products and services meet the Act's requirements.">
<div class="form-description-title">Key Takeaways</div>
- The EAA applies to all businesses that provide digital products and services.&nbsp;<br />- Compliance with the Act's requirements allows businesses to enter new markets, attract a new segment of users, and provide a competitive advantage.&nbsp;<br />- Giving priority to accessibility builds customer trust and loyalty and strengthens brand confidence.&nbsp;<br />- Compliance with the Act's requirements protects businesses from legal consequences by reducing the risk of lawsuits and fines and facilitates international transactions using a standardized approach.&nbsp;<br />- An important issue for every company is finding a reliable development partner to help its digital products and services meet the Act's requirements.</div>
<h2 dir="ltr" style="text-align: justify;">What Is the European Accessibility Act 2025?</h2>
<p dir="ltr" style="text-align: justify;"><a href="https://ec.europa.eu/social/main.jsp?catId=1202" target="_blank" rel="noopener">The European Accessibility Act (EAA) 2025</a>&nbsp;is an EU law that requires that some everyday goods and services be accessible to people with disabilities. It aligns with the EU's commitments following the ratification of the&nbsp;<a href="https://www.un.org/disabilities/documents/convention/convoptprot-e.pdf" target="_blank" rel="noopener">United Nations Convention on the Rights of Persons with Disabilities</a>.</p>
<p dir="ltr" style="text-align: justify;">The European Accessibility Act will make life easier for&nbsp;101 million&nbsp;Europeans.&nbsp;</p>
<p dir="ltr" style="text-align: justify;"><img src="https://d3pxw3l8cozu05.cloudfront.net/images/f9e66e179b6747ae54108f82f8ade8b3c25d76fd30afde6c395822c530196169-1707834367177.png" width="1200" height="600" /></p>
<p dir="ltr" style="text-align: justify;"><strong>Imagine this:</strong>&nbsp;people with visual impairments or musculoskeletal problems can use mobile apps, websites, or ATMs without issues.</p>
<p dir="ltr" style="text-align: justify;">The EAA&nbsp; aims to standardize accessibility requirements across European countries, promoting a consistent and inclusive online environment. This act applies to both public and private organizations within the European Union. It goes beyond the surface level, delving into the very architecture of digital products. They must be intuitive, reliable, and customized for users of all abilities. Let's find out what products and services are affected by this law.</p>
<h3 dir="ltr" style="text-align: justify;">The products and services affected by the EAA</h3>
<p dir="ltr" style="text-align: justify;">The scope of the European Accessibility Act covers a wide range of digital products and services to ensure inclusivity for people with disabilities. Here is a&nbsp;<a href="https://ec.europa.eu/social/main.jsp?catId=1202" target="_blank" rel="noopener">list</a>&nbsp;of products and services covered by the EAA:</p>
<ul style="text-align: justify;">
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">Websites;</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">Mobile applications;</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">Online banking and financial services;</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">E-commerce platforms (e.g., online stores and their applications);</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">E-government services;</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">Communication services (e.g., instant messaging, push notifications, email, and video conferencing platforms);</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">Online educational platforms and resources;</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">Standard content on broadcasters' websites;</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">Transportation services with websites and applications;&nbsp;</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">Interfaces of ATMs and ticket machines;</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">The purchases of information and communication technology (ICT) products and services by public sector organizations.</p>
</li>
</ul>
<p dir="ltr" style="text-align: justify;">The EAA touches on various aspects of the digital world to create a more inclusive and accessible environment for people with disabilities. So, what are the critical requirements for businesses to meet?</p>
<h3 dir="ltr" style="text-align: justify;">Key provisions and requirements</h3>
<p dir="ltr" style="text-align: justify;">It is essential to understand the main provisions and requirements of the EAA, which provide the basis for a more inclusive digital future.</p>
<p dir="ltr" style="text-align: justify;"><img src="https://d3pxw3l8cozu05.cloudfront.net/images/f9e66e179b6747ae54108f82f8ade8b3c25d76fd30afde6c395822c530196169-1707834889898.png" width="1200" height="600" /></p>
<h4 dir="ltr" style="text-align: justify;">1. Acceptability</h4>
<p dir="ltr" style="text-align: justify;">Information and user interface components must be perceived and understood. This means alternative text for images, adapted text size, and voice commands for visually impaired people. It also applies to people with mobility disabilities. For people with hearing problems, it means textual accompaniment.&nbsp;</p>
<p dir="ltr" style="text-align: justify;">&nbsp;</p>
<h4 dir="ltr" style="text-align: justify;">2. Efficiency</h4>
<p dir="ltr" style="text-align: justify;">The accessibility of the keyboard ensures that users can easily interact with and navigate digital content.</p>
<p dir="ltr" style="text-align: justify;">&nbsp;</p>
<h4 dir="ltr" style="text-align: justify;">3. Clarity</h4>
<p dir="ltr" style="text-align: justify;">User interfaces should be clear and consistent and avoid any unnecessary complexity. Intuitive design ensures that users can understand and navigate digital platforms without obstacles.</p>
<p dir="ltr" style="text-align: justify;">&nbsp;</p>
<h4 dir="ltr" style="text-align: justify;">4. Reliability</h4>
<p dir="ltr" style="text-align: justify;">The EAA requires that digital products will remain accessible and interoperable with the development of technology.</p>
<p dir="ltr" style="text-align: justify;">&nbsp;</p>
<h4 dir="ltr" style="text-align: justify;">5. Harmonization in the European Union</h4>
<p dir="ltr" style="text-align: justify;">One of the innovative aspects of the EAA 2025 is the commitment to harmonize accessibility standards across the European Union. This simplifies compliance for businesses operating in multiple countries. It also promotes an inclusive user experience for people with disabilities, regardless of their location within the EU.</p>
<p dir="ltr" style="text-align: justify;">&nbsp;</p>
<h4 dir="ltr" style="text-align: justify;">6. Applicable to both the public and private sectors</h4>
<p dir="ltr" style="text-align: justify;">The EAA obliges every business to be accessible and participate in developing the digital ecosystem.</p>
<p dir="ltr" style="text-align: justify;">Agilie's team knows how to meet the requirements of this Act and is delighted to share this information.</p>
<p dir="ltr" style="text-align: justify;">&nbsp;</p>
<p dir="ltr" style="text-align: justify;"><strong>Fintech example.</strong>&nbsp;According to the EAA, neobanking services have to provide, for example:</p>
<ul style="text-align: justify;">
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">navigation with voice commands;</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">alternative text for graphs, charts, and financial data;</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">interface with keyboard navigation and connectivity with assistance technologies;</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">adaptability to evolving technologies and remain accessible over time;</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">harmonization of accessibility standards across different financial platforms within the European Union.</p>
</li>
</ul>
<p dir="ltr" style="text-align: justify;">Therefore, the app and website should provide such functions for successful growth.</p>
<p dir="ltr" style="text-align: justify;">&nbsp;</p>
<p dir="ltr"><a class="incut--wrap" style="transition-timing-function: ease; transition-property: all;" href="https://agilie.com/blog/7-profitable-fintech-app-development-fields-for-starting-a-business" target="_blank" rel="noopener" aria-label="incut"><img style="height: 344px; width: 778px; float: left;" src="https://d3pxw3l8cozu05.cloudfront.net/images/f9e66e179b6747ae54108f82f8ade8b3c25d76fd30afde6c395822c530196169-1707838639713.png" width="100%" height="100%" /><span class="incut--text">Are you interested in profitable Fintech app development fields for starting a business? Let's discover them!</span></a></p>
<h2 dir="ltr" style="text-align: justify;">Unlocking Opportunities: Why the European Accessibility Act Should Shape Business Vision</h2>
<p dir="ltr" style="text-align: justify;">The implementation of the European Accessibility Act goes far beyond essential compliance. What opportunities are there for businesses?&nbsp;</p>
<h3 dir="ltr" style="text-align: justify;">Market expansion and inclusivity</h3>
<p dir="ltr" style="text-align: justify;">Businesses gain access to a market segment often overlooked by ensuring that digital products and services are accessible to people with disabilities. This inclusivity fosters a welcoming attitude and significantly expands a customer list.&nbsp;</p>
<h3 dir="ltr" style="text-align: justify;">Competitive advantage&nbsp;</h3>
<p dir="ltr" style="text-align: justify;">Demonstrating a commitment to inclusivity is about more than just social responsibility. It's a strategic move that differentiates companies from competitors.&nbsp;</p>
<h3 dir="ltr" style="text-align: justify;">Brand credibility and corporate image building&nbsp;</h3>
<p dir="ltr" style="text-align: justify;">Customers value brands that prioritize accessibility. This approach builds trust and loyalty, creating long-term relationships with the customers. People appreciate businesses that go beyond just profit reasons. This is an opportunity to become a favorite brand!&nbsp;</p>
<h3 dir="ltr" style="text-align: justify;">Legal compliance and risk management&nbsp;</h3>
<p dir="ltr" style="text-align: justify;">EAA compliance protects businesses from legal consequences. It reduces the risk of potential lawsuits and fines, providing a solid foundation for long-term operations.</p>
<h3 dir="ltr" style="text-align: justify;">Innovation and focus on the future</h3>
<p dir="ltr" style="text-align: justify;">Complying with accessibility standards, companies essentially protect their digital position. They will remain relevant and usable as technology evolves.</p>
<h3 dir="ltr" style="text-align: justify;">International operations and standardization</h3>
<p dir="ltr" style="text-align: justify;">Harmonizing accessibility standards across the European Union makes it easier for businesses to operate in multiple member states. It promotes a standardized approach, streamlining compliance efforts. Therefore, doing business in several EU countries or planning to expand this is an excellent opportunity.&nbsp;</p>
<p dir="ltr" style="text-align: justify;">So, every company that offers any digital product or service should include this significant government requirement in its business development strategy.&nbsp;</p>
<p dir="ltr" style="text-align: justify;"><strong>Picture this:</strong>&nbsp;a digital landscape where products and services are up-to-date and accessible to everyone, regardless of their abilities. Sounds great, right? It may seem challenging to implement. But don't worry! We know the solution - find a reliable partner who can efficiently and effectively make it happen.</p>
<p dir="ltr" style="text-align: justify;">Are you searching for a trustful partner who can provide the necessary developer services to prepare all your products for these governmental requirements?</p>
<p dir="ltr" style="text-align: left;"><a class="incut--wrap" style="transition-timing-function: ease; transition-property: all;" href="https://agilie.com" target="_blank" rel="noopener" aria-label="incut"><img style="height: 344px; width: 778px;" src="https://d3pxw3l8cozu05.cloudfront.net/images/f9e66e179b6747ae54108f82f8ade8b3c25d76fd30afde6c395822c530196169-1707838750458.png" width="100%" height="100%" /><span class="incut--text">We are ready to help you! Get to know us.</span></a></p>
<h2 dir="ltr" style="text-align: justify;">Partnering for Success: Agilie's Expertise in Aligning Development with Regulatory Needs</h2>
<p dir="ltr" style="text-align: justify;">Agilie delivers exceptional software development services and provides unique solutions to meet all potential needs while companies meet the requirements of the EAA. Agilie is a trusted partner in unlocking the full potential of this Act. We specialize in creating solutions that match accessibility standards, transform the user experience, and become&nbsp;<a href="https://agilie.com/success-stories" target="_blank" rel="noopener">success stories</a>. From seamless navigation for everyone to immersive interfaces that break through barriers, we don't just meet expectations; we exceed them. It's more than accessible design. It's elegance, innovation, and lasting impact.</p>
<p dir="ltr" style="text-align: justify;">We understand that every business that provides digital products and services must comply with the requirements of the Act. Fulfill them quickly and effortlessly with the Agilie team.&nbsp;</p>
<p dir="ltr" style="text-align: justify;">Here is a brief overview of the process:</p>
<ol style="text-align: justify;">
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">Consultations and documentation review.</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">Prototyping.</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">Development of a Software Requirements Specification (SRS) to define the project's purpose and scope.</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">UI/UX design.</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">Planning phase: searching, creating a detailed outline, managing time, budget, human resources, and potential risks.</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">Architecture creation.&nbsp;&nbsp;</p>
</li>
</ol>
<p dir="ltr" style="text-align: justify;">Contact Agilie today and let us begin a journey where your business not only complies with the standards but sets them. Leave your contact details in our form, and a business development manager will contact you.&nbsp;</p>
<p dir="ltr" style="text-align: left;"><a class="incut--wrap" style="transition-timing-function: ease; transition-property: all;" href="https://agilie.com/contacts" target="_blank" rel="noopener" aria-label="incut"><img style="height: 344px; width: 778px;" src="https://d3pxw3l8cozu05.cloudfront.net/images/f9e66e179b6747ae54108f82f8ade8b3c25d76fd30afde6c395822c530196169-1707838871079.png" width="100%" height="100%" /><span class="incut--text">Your vision, our experience - let&rsquo;s create the future together! Contact us.</span></a></p>
<h2 dir="ltr" style="text-align: justify;">Final Thoughts&nbsp;</h2>
<p dir="ltr" style="text-align: justify;">Finalizing our research on the European Accessibility Act 2025, we concede that accessibility is not just a requirement but a transformative path to inclusivity. The products and services affected by the EAA cover a wide range of digital offers, from websites and mobile apps to e-commerce platforms, online banking, and more. In this dynamic era of digital evolution, the EAA:</p>
<ul style="text-align: justify;">
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">takes center stage, inviting businesses to meet the diverse needs of all consumers;</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">provides an opportunity to redefine brand identity and enter new markets;</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">is a strategic step that can change the brand's relationship with a large part of the European market and beyond.&nbsp;</p>
</li>
</ul>
<p dir="ltr" style="text-align: justify;">Market expansion, competitive advantage, increased brand trust, regulatory enforcement, and a focus on future innovation are the paths to growth and sustainability.</p>
<p dir="ltr" style="text-align: justify;">In this landscape of possibilities, Agilie is your partner, your guide to the challenges of EAA compliance. Our services go beyond mere software development; we specialize in delivering exceptional compliance solutions. Step into the future with Agilie.</p>
<p style="text-align: justify;">&nbsp;</p>

<p><span style="color: #0d0d0d; font-family: S&ouml;hne, ui-sans-serif, system-ui, -apple-system, 'Segoe UI', Roboto, Ubuntu, Cantarell, 'Noto Sans', sans-serif, 'Helvetica Neue', Arial, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji'; font-size: 16px; white-space-collapse: preserve; background-color: #ffffff;">Explore the growth of opportunities for businesses with the implementation of the European Accessibility Act 2025.</span></p>

Explore the growth of opportunities for businesses with the implementation of the European Accessibility Act 2025.

Navigating the Invention of the European Accessibility Act 2025 | Agilie

<p style="text-align: justify;">Analyze how to create a smart contract, its benefits, and best development practices. Explore a step-by-step guide on smart contract crafting.&nbsp;</p>

Analyze how to create a smart contract, its benefits, and best development practices. Explore a step-by-step guide on smart contract crafting. 

Comprehensive Guide on Smart Contract Creation | Agilie

<p dir="ltr">A decentralized market is a network that doesn't depend on any intermediary. Since these marketplaces are built on Blockchain technology instead of intermediaries, transactions are done through smart contracts. Smart contracts are also responsible for managing the rules and regulations of the decentralized marketplace.</p>
<p dir="ltr">You will have access to a decentralized marketplace basically from everywhere on the web: your mobile phone, computer, or tablet. Look through our table of content to dive deep into decentralized marketplaces.&nbsp;</p>
<div id="form-description" class="form-description" data-title="Key Takeaways" data-text="Decentralized marketplaces provide a safe and transparent platform for P2P transactions. Developing a blockchain marketplace can bring huge benefits if it is launched with all the right features. 

Increasing confidence

DLT/blockchain enables the establishment of trust among all parties involved with the operator of a platform. The security of blockchain transactions depends on their irreversible nature, which prevents modifications or deletions by the platform admin. Disregarding the preferences of the operator or the state of their systems, the person in question will automatically receive timely information about their operations, which they may employ to defend their legitimate claims.

The high degree of transparency

Customers generally rely on reviews and ratings when choosing what to purchase. The employment of blockchain software eliminates the possibility of hiding information, giving buyers truthful and clear insights into product origins and providers.

Simplification of the trading process

These digital agreements can serve as an economical solution for streamlining transactions during online commerce. This is especially true for cross-border transactions: A smart contract governs the execution of agreements according to predetermined benchmarks (such as the delivery of merchandise to the buyer or the computation of penalties for delays), while also providing a means of settling disagreements and evaluating parties involved in business dealings.

Savings on transaction costs

This mechanism enables the use of tokens to purchase items utilizing digital currencies, as well as to document and net transaction costs to minimize payment amounts and only settle balances for a given time frame.

Safeguarding settlements by reserving either digital or physical assets is vital. Employing the marketplace allows the platform owner to shoulder these charges unassisted.">
<div class="form-description-title">Key Takeaways</div>
Decentralized marketplaces provide a safe and transparent platform for P2P transactions. Developing a blockchain marketplace can bring huge benefits if it is launched with all the right features. <br /><br />Increasing confidence <br />DLT/blockchain enables the establishment of trust among all parties involved with the operator of a platform. The security of blockchain transactions depends on their irreversible nature, which prevents modifications or deletions by the platform admin. Disregarding the preferences of the operator or the state of their systems, the person in question will automatically receive timely information about their operations, which they may employ to defend their legitimate claims. <br /><br />The high degree of transparency <br />Customers generally rely on reviews and ratings when choosing what to purchase. The employment of blockchain software eliminates the possibility of hiding information, giving buyers truthful and clear insights into product origins and providers. <br /><br />Simplification of the trading process <br />These digital agreements can serve as an economical solution for streamlining transactions during online commerce. This is especially true for cross-border transactions: A smart contract governs the execution of agreements according to predetermined benchmarks (such as the delivery of merchandise to the buyer or the computation of penalties for delays), while also providing a means of settling disagreements and evaluating parties involved in business dealings. <br /><br />Savings on transaction costs <br />This mechanism enables the use of tokens to purchase items utilizing digital currencies, as well as to document and net transaction costs to minimize payment amounts and only settle balances for a given time frame. Safeguarding settlements by reserving either digital or physical assets is vital. Employing the marketplace allows the platform owner to shoulder these charges unassisted.</div>
<h2 dir="ltr">What are Decentralized Marketplaces?</h2>
<p dir="ltr">Decentralized Marketplaces enable transactions between parties operating on their own accord, independent of external oversight. Without intermediary involvement, houses, hot sauces, and t-shirts can be traded between individuals.</p>
<p dir="ltr">At its heart, it establishes a direct connection between consumers and suppliers. A smart contract or program takes charge of critical tasks, including trade execution and funds release, rather than a human.</p>
<p dir="ltr">When both sides comply with the agreement, the program will complete the transaction without human intervention. These platforms are impervious to censorship and rely on trustless interactions. By using cryptocurrency, these individuals profit from a comprehensive and non-stop payment network.</p>
<h3 dir="ltr">A Short History</h3>
<p dir="ltr">Early internet marketplaces have managed to endure and remain popular even two decades after their launch.</p>
<p dir="ltr">The Silk Road was launched in 2011, and it is not a truly decentralized marketplace, but many users pay using Bitcoin.</p>
<p dir="ltr">One of the oldest and most esteemed decentralized marketplaces, OpenBazaar, has its roots in a hackathon project from April 2014 in Toronto, known as "Dark Market," which later evolved into the current OpenBazaar platform.</p>
<p dir="ltr">Syscoin is a decentralized platform that spotlights the development of marketplace applications, with its inception occurring in April 2014.</p>
<p dir="ltr">Centralization separates marketplaces based on whether they require intermediates. When bypassing middlemen, fees become redundant in certain instances. The marketplace's regulations are openly conveyed, and changes must have users' consent.&nbsp;</p>
<p dir="ltr">By incorporating review systems, reputation tracking, and dispute mediation, decentralized platforms become more akin to traditional marketplaces while boasting higher transparency and reduced charges.</p>
<h3 dir="ltr">Marketplace Blockchains</h3>
<p dir="ltr">One of the prominent marketplace blockchains is Syscoin. It is a blockchain network that utilizes a built-in platform for e-commerce and marketplaces. Clients can benefit from Syscoin&rsquo;s blockchain applications.&nbsp;</p>
<p dir="ltr">It has high transaction speed as well as security because it is combined with Bitcoin. Furthermore, Syscoin is compatible with other blockchains utilizing the Syscoin Bridge.&nbsp;</p>
<h3 dir="ltr">Marketplace Applications</h3>
<p dir="ltr">OpenBazaar acts as a peer-to-peer application or directly connects application users who want to trade. It has many of the advantages of blockchain.&nbsp;</p>
<p dir="ltr">For example, not relying on a central authority, a central database, or intermediaries, but it is only for e-commerce and transacting trade, so there is no need for complex consensus algorithms or miners.</p>
<p dir="ltr">OpenBazaar also has no fees or restrictions on use. Anybody can download the software and begin trading. OpenBazaar operates cryptocurrencies such as Bitcoin, Bitcoin Cash,&nbsp; Zcash, and Litecoin.</p>
<p dir="ltr"><a class="incut--wrap" href="https://agilie.com/blog/full-guide-on-how-to-make-a-marketplace-like-etsy-key-features-tips-and-costs" target="_blank" rel="noopener" aria-label="incut"> <img src="https://d12zh9bqbty5wp.cloudfront.net/images/f9e66e179b6747ae54108f82f8ade8b3c25d76fd30afde6c395822c530196169-1698322736485.png" width="100%" height="100%" /> <span class="incut--text">Find out more about marketplace apps.</span> </a></p>
<h3 dir="ltr">Marketplace Platforms</h3>
<p dir="ltr">Decentralized marketplaces exist through a platform or protocol, so developers can create tools allowing other people to build their peer-to-peer marketplaces.&nbsp;</p>
<p dir="ltr">Origin Protocol and the Origami Network are based on the Ethereum blockchain, utilizing this approach. By building smart contracts and a system of standards, these platforms allow anyone to develop their decentralized marketplaces.&nbsp;</p>
<p dir="ltr">Origin Protocol and the Origami Network allow users a simple way to manage listings, reviews, escrow, buyers and sellers, and ratings.&nbsp;</p>
<h3 dir="ltr">Marketplace Tokens</h3>
<p dir="ltr">Most decentralized marketplaces have tokens to facilitate how the marketplace works. Syscoin users can create tokens on top of the Syscoin Platform - Syscoin Platform Tokens (SPT).&nbsp;</p>
<p dir="ltr">Origin Tokens are used for governance decisions. Origin token holders are able to involve platform decisions. The token also rewards marketplace operators, users, and developers.&nbsp;</p>
<p dir="ltr">Origami has an ERC20 token called ORI. ORI is utilized for solutions on a blockchain which allows lower transaction fees.</p>
<p dir="ltr"><a class="incut--wrap" href="https://agilie.com/blog/ultimate-guide-on-how-to-create-an-nft-marketplace" target="_blank" rel="noopener" aria-label="incut"> <img src="https://d12zh9bqbty5wp.cloudfront.net/images/f9e66e179b6747ae54108f82f8ade8b3c25d76fd30afde6c395822c530196169-1698322822907.png" width="100%" height="100%" /> <span class="incut--text">Read about how to create an NFT marketplace.</span> </a></p>
<h2 dir="ltr">Why Use a Decentralized Online Marketplace?</h2>
<p dir="ltr">A marketplace with blockchain architecture outshines its centralized brethren in terms of benefits.&nbsp;</p>
<ul>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">A centralized company owns the platform, for example, eBay&nbsp; takes a fee from sales;</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">A singular focus on the center exposes the network to potential breaches.</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">The marketplace operator holds the power to alter the conditions of commerce without restriction.</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">It is essential to utilize external financial resources and transaction platforms.</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">The central authority responsible for your sensitive data may release it to trustworthy entities.</p>
</li>
</ul>
<p dir="ltr">Blockchain innovation confers a distinct advantage to decentralized marketplaces. These advantages include:</p>
<ul>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">A distributed database, blockchain relies on coordinated efforts from many nodes to ensure accuracy. Each has a full record of the database.&nbsp;</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">A single, singular server does not exist for hackers to compromise.</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">P2P networking enables sellers and buyers to connect and conduct business without any middlemen involvement.</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">The rules are etched into invincible smart contracts, thereby providing transparency;</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">The payment process uses crypto, so eliminating payment providers;</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">These security measures ensure that the system is protected by cryptography.</p>
</li>
</ul>
<h2 dir="ltr">Mandatory Features in a Decentralized Marketplace</h2>
<ul>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">Decentralized Architecture &ndash; Decentralized architecture is the backbone of a decentralized marketplace, ensuring that there is no central point of control or even failure.</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">Support for multiple cryptocurrencies &ndash; To maximize accessibility and adoption, support for multiple cryptocurrencies is essential for payment.</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">Smart Contracts &ndash; they are critical elements for establishing automation in a decentralized marketplace</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">Decentralized Storage Solutions &ndash; A decentralized storage solution ensures that user data is kept private and secure.</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">Token-based economy - The implementation of a token-based economy can attract the attention of users to participate in the market.</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">User-Friendly Interface &ndash; A user-friendly interface is always critical to the success of a digital platform, so it is highly recommended.</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">Dispute Management &ndash; A decentralized market must have programmed dispute management. It will ensure that the handling of disputes is fair.</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">Analysis &ndash; It is important to monitor market performance and identify threats to focus on. Analytics and reporting functions must be implemented into the marketplace.</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">Review &ndash; A rating and review feature is a must in any type of marketplace app to offer feedback on a product or even the seller. So, a decentralized marketplace should have an integrated evaluation and review function.</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">Multiple Payment Options &ndash; convenient usage for clients is a must-have feature in a decentralized marketplace.</p>
</li>
</ul>
<h2 dir="ltr">Key Functions of a Decentralized Marketplace&nbsp;</h2>
<p dir="ltr">When planning the functionality of decentralized marketplaces, Agilie takes the following capabilities as a basis and adapts the plan to individual project requirements.&nbsp;</p>
<p dir="ltr">User-friendly interfaces designed for sellers and buyers should streamline their respective journeys through the platform.&nbsp;</p>
<p dir="ltr"><img src="https://d12zh9bqbty5wp.cloudfront.net/images/f9e66e179b6747ae54108f82f8ade8b3c25d76fd30afde6c395822c530196169-1698322510184.png" /></p>
<p dir="ltr">Selling process&nbsp;</p>
<ul>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">Adding and editing product listings.&nbsp;</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">Product inventory management.&nbsp;</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">Order and return management.&nbsp;</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">Secure communication channel designed for vendor-customer interactions.&nbsp;</p>
</li>
</ul>
<p dir="ltr">Buying process&nbsp;</p>
<ul>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">Faceted catalog browsing.&nbsp;</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">Providing a unified cart solution for various sellers.&nbsp;</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">Order placement.&nbsp;</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">Order tracking.&nbsp;</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">Order history.</p>
</li>
</ul>
<h2 dir="ltr">Marketplace Transactions Verification&nbsp;</h2>
<p dir="ltr">Marketplace smart contracts. They define user behavior depending on the input data. At the core, they manage the processes of listing, choosing, and purchasing products.&nbsp;</p>
<p dir="ltr">Escrow smart contracts. As payment transactions are conducted directly between sellers and buyers, without a payment provider in between, escrow smart contracts provide guarantees for the parties. Holders of the tokens should wait until the purchase is completed before they are released to the seller.</p>
<p dir="ltr">Proprietary cryptocurrency. Marketplaces can have a settlement currency developed utilizing privacy-preserving protocols, so users&rsquo; personal information won't be collected during transactions on any device.&nbsp;</p>
<p dir="ltr">Integration of crypto payments. You may involve other cryptocurrencies in the marketplace. With its extensive user base, Bitcoin stands out as the most adopted cryptocurrency. The unique cryptographic hash embedded within every blockchain record fortifies the security of the data.</p>
<p dir="ltr">Proof-of-individuality framework. It enables user verification to prevent fake and duplicate user accounts and the manipulation of sellers&rsquo; reputations.&nbsp;</p>
<p dir="ltr">Product reviews. Reviews are controlled by smart contracts, so they authorize reviews from buyers of a specific product only.</p>
<h2 dir="ltr">Best Use Cases of Decentralized Markets</h2>
<ul>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">E-commerce &ndash; Decentralized marketplaces can enable P2P buying and selling of goods and services, which will help reduce the costs and hurdles associated with traditional e-commerce platforms.</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">Real Estate &ndash; Decentralized marketplaces can help property buyers and sellers connect and transact directly without the involvement of a third party or agent.</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">Games &ndash; Decentralized marketplaces can allow players to buy, sell, or even trade in-game items directly with other players in a more secure manner and, most importantly, without any middlemen.</p>
</li>
<li dir="ltr" aria-level="1">
<p dir="ltr" role="presentation">Supply Chain Management &ndash; Blockchain marketplaces can track goods moving through the supply chain efficiently and more transparently.</p>
</li>
</ul>
<h2 dir="ltr">Decentralized Market Development Process</h2>
<p dir="ltr" role="presentation"><img src="https://d12zh9bqbty5wp.cloudfront.net/images/f9e66e179b6747ae54108f82f8ade8b3c25d76fd30afde6c395822c530196169-1698322554145.png" /></p>
<p dir="ltr">Requirements Identification and Planning &ndash; This step is to flag the problem the market will solve as well as identify the requirements for the platform.</p>
<p dir="ltr">Prototype development &ndash; A prototype market should be built to test and validate the planned solution.</p>
<p dir="ltr">Development of smart contracts &ndash; Smart contracts, self-executing contracts in which the terms are written in code, must be developed to manage transactions and interactions on the platform.</p>
<p dir="ltr">Blockchain integration &ndash; After the development of smart contracts, the market should be integrated with the blockchain, enabling decentralized transactions and optimizing the security and immutability of the platform's data.</p>
<p dir="ltr">Testing and Launching &ndash; Rigorous testing is recommended to ensure that the marketplace functions as intended. Once validated, the marketplace must be deployed on the blockchain network and made available to users.</p>
<p dir="ltr">Support &ndash; Regular market monitoring is required to identify issues and bugs to be resolved with the next update.</p>

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