在 OurChain 上對義務的一種新型交易設計

Abstract

流動性節省機制在金融系統中扮演關鍵角色,透過淨額結算協議使資金不足的多方交易得以同時完成,然而現行系統依賴中央權力機構集中運作,存在單點故障、隱私洩露與信任瓶頸等挑戰。本研究提出去中心化的義務交易 (Obligation Transaction, OT) 系統,探討流動性節省機制在區塊鏈上的可行性。本研究在 OurChain 上實作此系統,結合零知識證明技術與UTXO模型,實現分散式的循環檢測與隱私保護的餘額驗證,使用戶能在不揭露實際餘額的情況下完成義務清算。本研究應證去中心化義務交易系統有潛力改變區塊鏈的價值轉移模式,從即時支付擴展至信用關係與延遲清算,推動更廣泛的金融服務創新,建立更安全、透明且不依賴中央權力的金融基礎設施。

Liquidity saving mechanisms play a crucial role in financial systems, enabling the simultaneous completion of multi-party transactions despite insufficient funds through netting protocols. However, current systems operate under centralized control, facing challenges including single points of failure, privacy disclosure, and trust bottlenecks. This study proposes a decentralized Obligation Transaction (OT) system to explore the feasibility of liquidity saving mechanisms on blockchain. Implemented on OurChain, this system combines zero-knowledge proofs with UTXO model to achieve distributed cycle detection and privacy-preserving balance verification, enabling obligation settlement without revealing actual balances. This research demonstrates that decentralized OT systems have the potential to extend the value transfer mode of blockchain from immediate payments to credit relationships and deferred settlement, advancing financial service innovation and establishing more secure, transparent infrastructure independent of central authorities.