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From YouTube: Epicenter interview with Matthew Davies, Kiva
Description
Sebastien Couture from Epicenter sat down at Hyperledger Global Forum to interview Matthew Davies, Managing Director at Kiva about how they are using Hyperledger blockchain technologies.
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Hyperledger – Open Source Blockchain Technologies
Hyperledger is an open source community focused on developing a suite of stable frameworks, tools and libraries for enterprise-grade blockchain deployments.
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#Hyperledger #Blockchain
A
Hi
I'm
Sebastian
creature
of
the
epicenter
podcast
I'm
here
in
Basel
Switzerland,
for
the
very
first
edition
of
the
hyper
ledger:
Global
Forum.
It
was
a
four-day
event
organized
by
the
Linux
Foundation
that
gathered
over
700
participants
from
startups
to
developers
and
enterprise
all
building
applications
on
the
technologies
in
the
hyper
ledger
greenhouse.
So,
while
I
was
at
the
event,
I
had
the
opportunity
to
speak
with
community
members,
learn
about
what
they're
building
and
how
they're
contributing
to
the
tools
and
technologies
in
the
hyper
ledger
family.
B
Kiva
is
a
13
year
old
nonprofit,
it's
a
501c3
based
out
of
San
Francisco.
We
were
started
in
2005
by
a
bunch
of
folks
out
of
PayPal
saying
what
would
it
look
like
if
we
kind
of
built
the
PayPal
of
nonprofits
and
what
that
ended
up
looking
like
is
a
two-sided
marketplace
where
we
go
out
and
in
the
developed
world
we
crowd
fund
money
to
loan
to
unbanked
customers.
B
So
it's
a
platform,
that's
done,
1.3
billion
dollars
of
funding
in
85
countries
to
borrowers
who
have
zero
access
to
the
financial
sector,
and
what
that
really
looks
like
is
you
look
at
it
and
it
looks
like
a
normal
technology
company,
but
the
back
end
to
show
you
how
analog
it
is.
Today
is
literally
people
getting
on
scooters,
with
wads
of
cash
and
driving
out
to
villages
that
are
a
hundred
miles
away
from
Internet
connectivity
in
doing
lending
activity
out
there
to
bring
the
banking
system
and
try
to
extend
it
out
to
them.
B
So
Kiva
is
always
assessing
new
and
emerging
technologies
to
see
if
they
can
help
us
extend
our
impact
in
the
unbanked
world
and
when
it
comes
to
distributed
ledger
and
blockchain
technologies.
There's
two
really
important
vectors
that
that
we've
been
following
for
the
past
couple
years
and
that
got
us
to
the
point
of
starting
to
implement
with
some
blockchain
solutions
now
with
hyper
ledger.
One
of
them
is
the
ability
to
have
trust
in
the
data
without
having
to
have
trust
in
all
of
the
entities
in
the
system.
The
tamper,
evidence
or
tamper
proof,
nosov
blockchains.
B
It's
really
interesting
because
we're
talking
about
a
patchwork
of
thousands
of
microfinance
institutions
around
the
world
that
are
lending
money
in
the
unbanked
role
that
are
trying
to
extend
the
banking
system,
and
so
the
fact
that
you
can
trust
the
data
generated
by
all
of
them.
If
you
use
a
distributed,
ledger
use
a
tamper,
evident
data
source
is
really
powerful
because
we
don't
have
to
go
out
and
either
force
or
try
to
convince
them
to
use
the
central
trust
Authority.
B
The
second
thing
with
distributed
ledger
technology
is
the
cost
that,
because
you
distribute
the
processing
power
because
you
distribute
data
storage,
this
is
the
only
solution.
Today
we
see
that
can
economically
scale
to
serve
1.7
billion
unbanked
customers
around
the
world,
because
that's
how
many
adults
are
outside
the
banking
system,
and
so
the
two
of
those
together
has
gotten
us
pretty
excited
about
the
potential
for
this
technology
to
be
revolutionary.
At
the
base
of
the
economic
ladder.
B
We
started
by
really
assessing
all
of
the
blockchain
solutions
and
distributed
ledger
solutions
out
there,
and
we
came
back
to
using
hyper
ledger
and
specifically
we're
using
hyper
ledger
in
d
and
hyper
ledger
fabric.
We
kind
of
came
back
for
two
reasons.
One
is
the
way
we're
deploying
actually
lends
itself
very
well
to
a
permissioned
network,
and
I
can
talk
more
about
that.
B
Around
credit
reporting,
and
so
the
two
of
those
together
provide
a
great
enterprise
solution
foundation
for
us
to
start
from,
and
then
second
I'll
add
Kiva
does
not
come
from
a
place
of
being
blockchain
experts.
We
have
not
been
in
the
space
for
a
long
time.
We've
been
in
the
world
of
the
unbanked
for
a
long
time
and
so
working
with
the
project
where
a
lot
of
the
foundation
has
built
up
for
you
is
super
helpful
for
an
organization
like
IVA.
B
Yeah,
so
identity
really
is
the
foundation
of
everything
we're
trying
to
solve
at
Kiva
in
terms
of
technology,
for
financial
inclusion
and
I'll.
Give
you
very
specifically.
Let's
pick
a
country
like
Sierra
Leone,
there
are
15
microfinance
institutions
in
Sierra,
Leone
that
we
work
with
and
they
go
out
in
the
field
they
drive
out
on
these
scooters
and
deploy
cash
and
they're
recording
transactions
in
a
paper
ledger
like
in
an
in
a
notebook
with
that
they're
currently
already
generating
15
different
credit
files
on
these
individuals.
B
And
so
the
first
thing
we
need
in
order
to
bring
banking
services
to
the
unbanked
is
the
ability
to
stitch
those
identities
together
and
that's
the
reason
we're
talking
about
using
lut
hyper,
ledger,
indie
and
identity
as
the
foundation,
because
that
identity
brings
the
ability
to
stitch
the
data
together
and
once
we
can
do
that,
everything
else
flows.
We
can
start
building
up
thicker
credit
files.
We
can
use
that
to
price
risk
better
and
that's
what
eventually
leads
to
more
capital
being
able
to
flow
into
the
unbanked
world.
B
Fabric
just
does
a
really
good
job
on
two
fronts,
one
in
terms
of
being
a
smart
contract
engine
and
right
now
we're
not
using
executable
smart
contracts,
but
having
a
system
that
has
built
for
the
types
of
Ledger's
and
contracts
we
might
want
to
have
down.
The
line
is
very
helpful.
The
second
one
is
it:
has
this
concept
of
private
and
shared
data
collections
which,
when
you
think
about
the
financial
sector-
and
you
think
about
yours
and
my
financial
data
you're?
Actually
thinking
about
I,
have
data
with,
let's
call
it
four
different
financial
institutions.
B
Shared
data
collections
allows
the
data
between
me
and
each
one
of
those
banks
to
be
shared,
which
is
actually
very
efficient,
because
otherwise
I
would
need
my
copy
of
my
data
with
with
Chase
Bank
and
my
copy
of
my
data
with
HSBC,
and
they
would
each
need
their
copies
of
that.
But
if
I
could
have
a
shared
collection
with
each
of
them,
that's
actually
very
powerful,
because
now
myself,
an
HSBC
can
have
one
ledger
that
we
share.
That
is
not
shared
without
one
of
our
permission
with
JPMorgan
Chase,
and
so
that's
a
neat.
B
First,
they
just
kind
of
opened
a
bunch
of
doors
for
us,
not
just
within
the
foundation,
but
with
every
ledger
out
there
with
you
know
you
can
talk
about
your
chain,
aetherium
ripple
everybody
and
we
actually
came
full
circle
and
came
back
to
them
and
after
assessing
everybody
said,
hey
we're
gonna
build
our
first
version
of
this
on
hyper
ledger.
Then
they've
been
incredibly
helpful
with
thinking
through
security
thinking
through
deployment
challenges,
and
so
just
a
lot
of
it
has
been
us
bootstrapping
ourselves
with
mindshare
in
the
DLT
space.
B
They've
been
very
helpful
with
that
and
the
footnote
I'll
add
is
I've
been
fortunate
to
be
involved
in
the
social
impact
working
group.
That's
been
coming
them
getting
pulled
together,
and
it's
just
been
nice
to
be
working
with
people
in
the
space
that
are
actually
trying
to
make
sure
it
does
get
extended
for
impact
and
doesn't
just
make
it
so
that
I
have
like
a
smart
contract
to
get
my
Blue
Bottle
coffee.
B
Yeah
the
biggest
thing
I'm
excited
about
for
the
future,
going
forward,
both
with
our
efforts
and
with
hyper
ledger
in
general.
Is
this
big
push
towards
interoperability
and
one
of
the
big
scary
things
that
I
see
out
there
in
the
centralized
space?
Is
silos
of
these
decentralized
networks
and
again,
I
talked
earlier
about
us
being
very
bullish
on
needing
interoperable
identity
and
needing
this
to
be
extendable
outside
of
just
Kiva's
efforts?
And
that's
one
of
the
things
I
see
the
industry
in
general,
going
towards
and
hyper
ledger
and
Linux
foundation.