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Geneva, 21 March 2017
Blockchain inTunisia: From Experimentations
to a Challenging Commercial Launch
Moez Chakchouk, Chairman & CEO of Tn.Post
ITUWorkshop on “Security Aspects of Blockchain”
Geneva, Switzerland, 21 March 2017
Tn.Post Overview
✤ The Tunisian Post, a leader in financial &
social inclusion by promoting the provision of digital
services in Tunisia: DFS, e-commerce, e-government, …
✤ A huge sales network for the provision of diverse
services,
✤ The first financial organization in Tunisia to introduce
e-payement (2000) & m-payement (2009),
✤ Oct. 2015: Launch of Blockchain experimentations in
partnership with Tunisian Fintech startups
2
Geneva, 21 March 2017
Tunisian e-Dinar & MobiPoste
✤ e-Dinar Wallet: 700K prepaid debt cards -
Virtual Account,
✤ 520K subscribers are using SMS/USSD
based MobiPost for money transfer, bill
payement, mobile airtime, debt collection, …
✤ Up to 2.5M transactions achieved per year,
✤ Interoperability between telcos and possible
interconnection with other payement
platforms.
✤ e-Dinar Pro, a merchant customized prepaid
debt card — Point Of Sale (POS)
3
Geneva, 21 March 2017
DigiCash Plateform
4
Smartphone Smartphone
Distributed
Consensus Network
PIN
ID
[Transaction JSON on https://]
Peer-to-Peer Transaction
SDK SDK
Notarisation
Signature
Notification Notification
https://
Transaction
Data
https://
PIN
ID
Signature
Signature
Transaction Architecture: Blockchain Inspired Transaction Protocol
e-Dinar Wallet e-Dinar Wallet
Cash In/
Cash Out
Cash In/
Cash Out
Geneva, 21 March 2017
DigiCash Mobile APP
5
✤ Interoperability with existing e-dinar Platform and Bill payement
platform,
✤ Possible use of digital national certificates,
✤ Opportunity to use the APP to buy&sell goods (e-commerce),
Geneva, 21 March 2017
Regulatory Challenges
✤ Tunisian Post is an authorized financial institution but not a Bank,
✤ Tunisian Currency TND is not a convertible currency,
✤ Tunisians living in Tunisia are not allowed to have a bank account
or a virtual wallet that aren’t under the Tunisian financial
regulation.
✤ Cryptocurrency is not official authorized to be introduced or even
used in Tunisia,
✤ Heavy regulation to prevent Money Laundering is discouraging
innovative solutions to be fostered or introduced.
6
Geneva, 21 March 2017
Blockchain is an opportunity
✤ Today’s typical Banking System is regulated: Centralized Ledgers.
✤ Blockchain is a technology (Peer-to-Peer based technology) and is not a
cryptocurrency that might need to be regulated.
✤ Different levels of decentralization -> Distributed Ledgers
✤ Level 1: Permissioned, Private, Shared Ledgers,
✤ Level 2: Permissioned, Public, Shared Ledgers,
✤ Level 3: Permission-less, Public, Shared Ledgers.
✤ Possible implementation considering sovereignty requirements in
emergent economies: Tunisian Cryptocurrency (TNCoin/eDinar/BitDinar).
✤ Possible adoption by the UPU .POST Community: PostTransfer Systems.
7
Geneva, 21 March 2017
Increasing
Security Threats
✤ Distributed Ledger Technology or blockchain is fostering
deep change in the financial sector: Openness,
✤ Cybersecurity threats should be addressed differently: A
Social Compact between all stakeholders,
✤ Privacy is critical & Trust is the Key of any development,
✤ There will be always cyber security risks to be addressed
by the community — The Goal is to make the technology
used more for better purposes : Digital Financial
Inclusion.
8
Conclusion
Geneva, 21 March 2017
Geneva, 21 March 2017
Thanks for your attention
Moez Chakchouk, Chairman & CEO of Tn.Post
ITUWorkshop on “Security Aspects of Blockchain”
Geneva, Switzerland, 21 March 2017

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Blockchain in Tunisia: From Experimentations to a Challenging Commercial Launch

  • 1. Geneva, 21 March 2017 Blockchain inTunisia: From Experimentations to a Challenging Commercial Launch Moez Chakchouk, Chairman & CEO of Tn.Post ITUWorkshop on “Security Aspects of Blockchain” Geneva, Switzerland, 21 March 2017
  • 2. Tn.Post Overview ✤ The Tunisian Post, a leader in financial & social inclusion by promoting the provision of digital services in Tunisia: DFS, e-commerce, e-government, … ✤ A huge sales network for the provision of diverse services, ✤ The first financial organization in Tunisia to introduce e-payement (2000) & m-payement (2009), ✤ Oct. 2015: Launch of Blockchain experimentations in partnership with Tunisian Fintech startups 2 Geneva, 21 March 2017
  • 3. Tunisian e-Dinar & MobiPoste ✤ e-Dinar Wallet: 700K prepaid debt cards - Virtual Account, ✤ 520K subscribers are using SMS/USSD based MobiPost for money transfer, bill payement, mobile airtime, debt collection, … ✤ Up to 2.5M transactions achieved per year, ✤ Interoperability between telcos and possible interconnection with other payement platforms. ✤ e-Dinar Pro, a merchant customized prepaid debt card — Point Of Sale (POS) 3 Geneva, 21 March 2017
  • 4. DigiCash Plateform 4 Smartphone Smartphone Distributed Consensus Network PIN ID [Transaction JSON on https://] Peer-to-Peer Transaction SDK SDK Notarisation Signature Notification Notification https:// Transaction Data https:// PIN ID Signature Signature Transaction Architecture: Blockchain Inspired Transaction Protocol e-Dinar Wallet e-Dinar Wallet Cash In/ Cash Out Cash In/ Cash Out Geneva, 21 March 2017
  • 5. DigiCash Mobile APP 5 ✤ Interoperability with existing e-dinar Platform and Bill payement platform, ✤ Possible use of digital national certificates, ✤ Opportunity to use the APP to buy&sell goods (e-commerce), Geneva, 21 March 2017
  • 6. Regulatory Challenges ✤ Tunisian Post is an authorized financial institution but not a Bank, ✤ Tunisian Currency TND is not a convertible currency, ✤ Tunisians living in Tunisia are not allowed to have a bank account or a virtual wallet that aren’t under the Tunisian financial regulation. ✤ Cryptocurrency is not official authorized to be introduced or even used in Tunisia, ✤ Heavy regulation to prevent Money Laundering is discouraging innovative solutions to be fostered or introduced. 6 Geneva, 21 March 2017
  • 7. Blockchain is an opportunity ✤ Today’s typical Banking System is regulated: Centralized Ledgers. ✤ Blockchain is a technology (Peer-to-Peer based technology) and is not a cryptocurrency that might need to be regulated. ✤ Different levels of decentralization -> Distributed Ledgers ✤ Level 1: Permissioned, Private, Shared Ledgers, ✤ Level 2: Permissioned, Public, Shared Ledgers, ✤ Level 3: Permission-less, Public, Shared Ledgers. ✤ Possible implementation considering sovereignty requirements in emergent economies: Tunisian Cryptocurrency (TNCoin/eDinar/BitDinar). ✤ Possible adoption by the UPU .POST Community: PostTransfer Systems. 7 Geneva, 21 March 2017 Increasing Security Threats
  • 8. ✤ Distributed Ledger Technology or blockchain is fostering deep change in the financial sector: Openness, ✤ Cybersecurity threats should be addressed differently: A Social Compact between all stakeholders, ✤ Privacy is critical & Trust is the Key of any development, ✤ There will be always cyber security risks to be addressed by the community — The Goal is to make the technology used more for better purposes : Digital Financial Inclusion. 8 Conclusion Geneva, 21 March 2017
  • 9. Geneva, 21 March 2017 Thanks for your attention Moez Chakchouk, Chairman & CEO of Tn.Post ITUWorkshop on “Security Aspects of Blockchain” Geneva, Switzerland, 21 March 2017