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Number three: the biggest flow of funds from the developed world to the developing world
第三點：從發(fā)達(dá)國家到發(fā)展中國家，規(guī)模最大的資金流動
is not corporate investment, and it's not even foreign aid. It's remittances.
并不是公司投資，甚至也不是外國援助，而是匯款。
This is the global diaspora; people have left their ancestral lands,
這是散居在全球的人們，離開了祖輩的土地，
and they're sending money back to their families at home.
他們把錢匯回家中。
This is 600 billion dollars a year, and it's growing, and these people are getting ripped off.
一年會產(chǎn)生6000億美元的匯款，而且還在不斷增加。而且他們正在被剝削。
Analie Domingo is a housekeeper. She lives in Toronto,
安娜麗·多明戈是位女管家。她在多倫多生活，
and every month she goes to the Western Union office with some cash to send her remittances to her mom in Manila.
每個月都會帶著現(xiàn)金來到西聯(lián)匯款公司，把錢匯給在馬尼拉的媽媽。
It costs her around 10 percent; the money takes four to seven days to get there;
手續(xù)費占了將近10%，轉(zhuǎn)賬手續(xù)需要花費4到7天的時間，
her mom never knows when it's going to arrive.
她媽媽從來不知道到賬的時間。
It takes five hours out of her week to do this.
每個禮拜她都要花五個小時來檢查是否到賬。
Six months ago, Analie Domingo used a blockchain application called Abra.
六個月前，安娜麗·多明戈使用了一款名叫阿布拉的區(qū)塊鏈應(yīng)用。
And from her mobile device, she sent 300 bucks.
她從自己的手機(jī)上轉(zhuǎn)出了300美元。
It went directly to her mom's mobile device without going through an intermediary.
直接轉(zhuǎn)入了她母親的手機(jī)上，并沒有經(jīng)過中間商。
And then her mom looked at her mobile device --
她的母親只需查看她的手機(jī)
it's kind of like an Uber interface, there's Abra "tellers" moving around.
有點像Uber的應(yīng)用界面，阿布拉中有”出納員“在循環(huán)滾動。
She clicks on a teller that's a five-star teller, who's seven minutes away.
她點擊一個五星的出納員，只相隔7分鐘的路程。
The guy shows up at the door, gives her Filipino pesos, she puts them in her wallet.
那位伙計很快出現(xiàn)在門口，給了她菲律賓比索，隨后把錢放進(jìn)錢包。
The whole thing took minutes, and it cost her two percent.
整個過程只需要幾分鐘時間，并且花費只有2%。
This is a big opportunity for prosperity.
這是經(jīng)濟(jì)繁榮的巨大機(jī)遇。
