Design of a Blockchain‑Based Financial Risk Data Sharing Alliance (Version 2.0)
The article analyzes the shortcomings of current seller‑driven financial risk data sharing, proposes a blockchain consortium architecture using Hyperledger Fabric, compares a 1.0 token‑based design with an improved 2.0 version that adds a service layer, secure multi‑party computation, and regulatory oversight to achieve fair pricing, data quality, security, and efficient transaction processing.