According to the World Economic Forum, in many countries,  there is a big deficit between pension supply and demand which is due to the aging population and overspending of existing pension. Since the existing system is facing tough challenges and even developed countries' governments can not solve the gap. Seeing there is no efficient and all-in-one one-stop solution to this problem, I propose to address this issue using a blockchain-based solution. My proposal is to develop a pension blockchain to offer a transparent, secure and anti-fraud pension system that entitles the right to the pension beneficiaries to see the pension data and feel understanding to the pension policy decision. By utilizing the advantages of blockchain, this solution includes the tokenization of assets, which is to increase the post-retirement financial security through diversification of pension fund portfolio and individual revenue.

1. Blockchain solution to eliminate the
pension deficit
DATE April 2020
Wenhui LIANG
liangwenhui880928@163.com
+33 0644156832

2. What is blockchain?
Review of use case of
blockchain
The gap : pension funds demand and
pension funds supply
CONTENTS
DATE April 2020
Why blockchain can eliminate the
gap
What blockchain-based solution
should be?

3. What is blockchain?
Review of use case of
blockchain
The gap : pension funds demand
and pension funds supply
CONTENTS
DATE April 2020
Why blockchain can eliminate the
gap
What blockchain-based solution
should be?

4. ❖ Multi-bookkeeper
(immutable)
❖ Time stamp
(traceability)
❖ Block of data
❖ Single point of failure
❖ Cryptography
(Ownership of data)
What is Blockchain?
DATE April 2020

5. What is blockchain?
Review of use case of
blockchain
The gap : pension funds demand and pension
funds supply
CONTENTS
DATE April 2020
Why blockchain can eliminate the
gap
What blockchain-based solution
should be?

6. Use Case
Use case of Blockchain
DATE
Supply Chain
IP protection Global Trade
Insurance
Taxation
Remittance
Payment
April 2020

7. What is blockchain?
Review of use case of blockchain
The gap : pension funds demand and
pension funds supply
CONTENTS
DATE April 2020
Why blockchain can eliminate the
gap
What blockchain-based solution
should be?

8. The gap:
Pension fund
demand &
supply
DATE April 2020
World Economic Forum:
‘The global retirement savings gap will reach $400 trillion
by 2050, compared to the $70 trillion it was at in 2015‘

9. The gap: Pension fund demand & supply
DATE April 2020

10. Why Blockchain can
eliminate the gap
DATE April 2020

11. Why Blockchain can eliminate the gap?
DATE April 2020
Freelance, etc.Fixed contract employment
Post-retirement
financial security
Tradable assetOwnership-Free Data
Inaccessible Alternative Investment Accessible Alternative Investment
Trusted pension system of
management & disclosure
Untransparent governmental pension
system

12. What is blockchain?
Review of use case of blockchain
The gap : pension funds demand and pension
funds supply
CONTENTS
DATE April 2020
Why blockchain can eliminate the gap
How to establish the blockchain-
based pension solution?

13. Build the permission-free pension blockchain
How to establish the blockchain-based pension solution?
DATE April 2020
Step 1
Create the e-identity for all beneficiariesStep 2
Tokenize the assetStep 3
Establish the tokenized asset marketplaceStep 4
Develop the customized pension portfolioStep 5

14. How to establish the blockchain-based pension solution?
DATE April 2020
Pension Blockchain
Step 1
Track the fiscal state of pension (Process, balance, data flow)
Pension inflow & outflow to be recorded & validated through
multi-party mechanism
Private disclosure of pension data to pension owner
Code to guarantee the definite executions of pre-defined
pension plan
Accessibility
Immutability
Privacy
Fraud-free
Blockchain
Pension
Browser
Multi-Signature
Cryptography
Smart Contract

15. How to establish the blockchain-based pension solution?
DATE April 2020
E-identity
Fiscal Department
Step 2
Pension Beneficiary
Auditor
Investment Manager
Pension payer
IT developer

16. DATE April 2020
Tokenization
Expand the range of
investible assets
Seek higher ROI
investment opportunity
Diversify the risk of the
portfolio
Offer new category
of tradable asset
Enable the ownership
of individual data
How to establish the blockchain-based pension solution?
April 2020
Step 3

17. DATE April 2020
Marketplace
Tradable item
❖ Individual data of
time spent on social
media
❖ Health data
❖ Individual
consumption of food,
drinks, etc.
Buyer
• Advertiser
• Hospital
• Merchant
• Government
• Individual
• Scholar
• .
• .
• .
How to establish the blockchain-based pension solution?
April 2020
Step 4

18. DATE April 2020
How to establish the blockchain-based pension solution?
April 2020
Step 5
Real Estate
Private equity Venture capital
Rare collectibles Valuable data

19. THANK YOU
Chris_Blockchain
https://www.linkedin.com/in/wenhui-liang-43086389/
liangwenhui80928@163.com
+33 0644156832
April 2020