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Project Update | 2020.03.17

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MDS is the first global mutual insurance marketplace on the blockchain. It combines the traditional mutual insurance model with blockchain and smart contract which provide a low operation cost and guarantee of compensation for risks.

We gratefully thank all the community friends and MDS fans that the project could not go far without your support and trust. MediShares project focuses on long-term development, and our community will always follow the principle of fairness and transparency. We biweekly release our project updates in form of the following progress journal:

Mutual DAO Protocol

Mutual DAO EOS mainnet version launched: http://mutualdao.org

MutualDAO Anticancer Mutual Aid Program launched:
http://mutualdao.org/#/projectDetail?id=5

Mutual DAO Whitepaper
http://blog.medishares.org/?p=1839

Open source mutual aid smart contract code:
https://github.com/MediShares/mds-mutual-aid-dao-eos

MutualDAO Anticancer Mutual Aid Program

Please use the EOS account which binding with your KYC data already. You can complete is through Voice.com or MathWallet.org

Anticancer Mutual Aid Participate Rules

Definition
Observation Period
As the commercial insurance did, we set up the observation period to avoid fraud behaviors.
Publicity Period
Each month we collect the mutual aid events, and calculate the mutual aid fee and the share that members need to pay, then putting them on the website. So that the other members could know whom their share is helping. The publicity period usually will be 7 days.

Participate Rules of Anticancer Mutual Aid Program
When joining the Anticancer Mutual Aid Programs, you should
1. Be at the age of 0-60 years old
2. Be physically healthy

Details of Anticancer Mutual Aid program privilege are as follows
1. Since the users taken part in the program, the privilege valid 180 days later.
2. When someone in the program suffer from one of the cancer diseases in the list.

When one of the following situations occurs, the member will quite the program automatically
1. Death
2. Reaching the age of 61
3. The mutual aid fee is fully given
4. The balance of personal account is less than 0

When one of the following situations occurs, the member will not have the privilege
1. Self-mutilation or suicide
2. Crime
3. Taking or injecting drugs
4. War, military action, riots or armed rebellions
5. Nuclear explosion, nuclear radiation or nuclear pollution
6. Infected by HIV
7. Hereditary disease, congenital malformation, deformation or chromosomal abnormalities

Disease Coverage

Malignant Tumor
It refers to a disease in which malignant cells grow and spread uncontrollably, infiltrate and destroy surrounding normal tissues, and can spread to other parts of the body through blood vessels, lymphatic vessels and body cavities. The diagnosis was confirmed by pathological examination, and the clinical diagnosis belongs to the World Health Organization's International Statistical Classification of Diseases and Related Health Problems (ICD-10).

The following diseases are not covered by mutual aid:
(1) Carcinoma in situ
(2) Chronic lymphocytic leukemia equivalent to stage A of the Binet staging plan
(3) Hodgkin's disease equivalent to stage I of Ann Arbor staging plan
(4) Skin cancer (excluding malignant melanoma and metastatic skin cancer)
(5) Prostate cancer with TNM stage T1N0M0 or less
(6) Malignant tumors during HIV infection or AIDS

Guide of create a Mutual DAO contract

1 Download the smart contract code
2 Compile
3 Deploy
4 Submit the Mutual Aid Program

Detail steps:
Guide of create a Mutual DAO contract
http://blog.medishares.org/?p=2156

MediShares Chain

MediShares Chain testnet is in progress of developemnt, and the source code will be release in repo:
https://github.com/MediShares/medishares-chain-testnet

MDS Token Info

Total: 2,000,000,000
Total Circulating: 742,999,401
Lockdrop: 361,205,413
VPOS Pool: 145,770,231
Actual Circulating: 236,023,757

Data Source:
https://coinmarketcap.com/currencies/medishares/
https://www.feixiaohao.com/currencies/medishares/
http://blog.medishares.org/?p=1965
http://explorer.mathwallet.org

Exchanges
Huobi: https://www.huobi.vc/zh-cn/exchange/mds_usdt/
Gate: https://www.gateio.life/trade/MDS_USDT
CEX: https://cex.plus/market/mds_usdt
FUBT: https://www.fubt.com/#/TradeCenter/mdsusdt
Newdex: https://newdex.vip/trade/medisharesbp-emds-eos

MDS Telegram Group

https://t.me/medisharesEN

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项目进度报告 | 2020.03.17

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MDS 是世界上第一个相互保障合约市场,基于区块链接技术提供相互保障智能合约创建和使用平台,有效降低保障产品的运营成本,同时提供更高的保障资金安全性。

MDS 的发展离不开社区用户的支持与信任,我们对此表示由衷地感谢。我们专注于项目的长期发展,秉持公正透明的社区原则,以进度报告形式定期展示项目各方面进度,以下为最近一段时间的进度更新报告。

Mutual DAO 协议开发进度

MutualDAO EOS版正式上线 http://mutualdao.org

MutualDAO Anticancer Mutual Aid (抗癌互助) 版本发布!
http://mutualdao.org/#/projectDetail?id=5

Mutual DAO 白皮书
http://blog.medishares.org/?p=1805

合约代码开源地址:
https://github.com/MediShares/mds-mutual-aid-dao-eos

基于区块链的 Anticancer Mutual Aid (抗癌互助)

请通过绑定实名的 EOS 账号加入,您可以使用 Voice.com 或麦子钱包完成绑定

抗癌互助计划参与规则

加入
1.出生满28天-60周岁
2. 身体健康

观察期:180天
观察期:又称等待或免责期,是为了防止参与计划的人明知道将发生风险事故,而马上加入以获得利益的行为

退出情形
1.身故、已给付互助金自动退出
2.年满61周岁,自动退出
3.互助金账户余额为0

不予互助事项提示
1.故意自伤、故意犯罪或抗拒依法采取的刑事强制措施
2.互助会员主动吸食或注射毒品
3.战争、军事行动、暴乱或武装叛乱
4.核爆炸、核辐射或核污染
5.互助会员感染艾滋病病毒或患艾滋病期间因疾病导致的
6.遗传性疾病,先天性畸形、变形或染色体异常

本计划涵盖疾病
恶性肿瘤
指恶性细胞不受控制的进行性增长和扩散,浸润和破坏周围正常组织,可以经血管、淋巴管和体腔扩散转移到身体其他部位的疾病。经病理学检查结果明确诊断,临床诊断属于世界卫生组织《疾病和有关健康问题的国际统计分类》(ICD-10)的恶性肿瘤范畴。
下列疾病不在互助范围内:
(1)原位癌
(2)相当于Binet分期方案A期程度的慢性淋巴细胞白血病
(3)相当于Ann Arbor分期方案Ⅰ期程度的何杰金氏病
(4)皮肤癌(不包括恶性黑色素瘤及已发生转移的皮肤癌)
(5)TNM分期为T1N0M0期或者更轻分期的前列腺癌
(6)感染艾滋病病毒或者患艾滋病期间所患恶性肿瘤

关于如何自行创建一个 Mutual DAO

1 下载代码
2 编译代码
3 部署合约
4 提交互助计划

具体步骤见:
手把手教你创建一个自定义的互助保险
http://blog.medishares.org/?p=2153

MediShares Chain

目前 MediShares Chain 测试网正在开发中,所有代码将在下面的仓库中更新:
https://github.com/MediShares/medishares-chain-testnet

MDS Token 信息

总量:2,000,000,000
总流通:742,999,401
Lockdrop锁仓:361,205,413
VPOS矿池锁仓:145,770,231
实际流通:236,023,757

数据来源
https://coinmarketcap.com/currencies/medishares/
https://www.feixiaohao.com/currencies/medishares/
http://blog.medishares.org/?p=1965
http://explorer.mathwallet.org

交易
Huobi: https://www.huobi.vc/zh-cn/exchange/mds_usdt/
Gate: https://www.gateio.life/trade/MDS_USDT
CEX: https://cex.plus/market/mds_usdt
FUBT: https://www.fubt.com/#/TradeCenter/mdsusdt
Newdex: https://newdex.vip/trade/medisharesbp-emds-eos

扫描二维码加入 MDS 社群

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互助与民主金融

网络互助的理念类似于比特币,实现了组织与权利的创新。既然是组织与权利的创新,就要解决自己的公信力问题。因为参与资格问题、民主管理问题、有效决策问题、损失认定问题等,都需要公信力支撑。

为了保证比特币的公信力(替代贵金属和国家信用),比特币创始人中本聪为实现点对点的电子现金系统而提出和构建了区块链方案,可以在没有中央数据库的情况下实现多点数据的可靠传输、存储和更新。

区块链,代表了一种去中心化的数据组织、存储和管理方案。为了解决这种方案的公信力,区块链引入了竞争性审核机制。比特币有一套成熟的机制,保证其公信力。那么,网络互助如何保证自己的公信力呢?

为了网络互助的规范化运作,需要把网络互助上升到民主金融(民主保险)的高度进行思考。

民主金融的概念由著名经济学教授罗伯特·希勒提出,内涵在于:

①金融要为每个人而不是部分人服务,人人都能从金融活动中平等获益;

②金融体系的目的是管理风险、降低不公平,提高所有人的福利;

③应鼓励人们从事金融业,或参与金融创新为社会谋福利;

④法律监管应加深人们对金融运作知识的了解,为公众提供更为可靠的信息;

⑤达成上述目标的途径在于金融创新。

针对我国网络互助实际情况,我们认为:网络互助具有鲜明的时代特征,具有民主金融的特点,满足了社会健康保险需要,蕴含巨大的爆发力,契合了民众的呼声;因此,我们需要尽快对网络互助进行定性,更需要从理念、技术、渠道、法律等一揽子革新。尤为重要的是,网络互助从根本上改变金融权力过于集中的局面,在现有社会保险和商业保险之间架起了一座桥梁,其不仅包含了普惠金融的构成要件,是对普惠金融的发展和提升,更是满足了当下金融创新的“草根”诉求。

摘自:《陈辉:完善大病保险筹资机制 宜以网络互助制度试点为突破口》