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Blockchain stands as a certified layer – or single source of truth – for registering immutable, certain and indisputable information records. Indeed, blockchain notary capabilities could apply to both digital and physical assets, e.g.:

  • Financial assets (cash, bonds, derivatives, etc.);
  • Documents;
  • Luxury goods;
  • Tickets & coupons.



The Know Your Customer (KYC) verification process is typically associated with financial services subscriptions, such as opening a bank account or purchasing an insurance product. In particular, this type of verification allows service providers to:

  • Verify the true identity of the customer;
  • Define a risk profile;
  • Protect themselves in the event that the customer uses the services offered for criminal purposes.
The implementation of a blockchain ledger allows identity managers to certify the attributes that make up the identification profile of each user, on a decentralised register. This is particularly beneficial to service providers which, after receiving isation from customers to access their digital identity, are able to independently carry out due diligence activities.



Nick Szabo was the first to formalise the idea of smart contracts in 1993, as a protocol used to facilitate, verify and execute a contract. With the introduction of blockchain technology, the definition of smart contracts as blockchain-based software applications which do not necessarily require human intervention for their execution became established.
In fact, smart contracts are able to operate autonomously. In addition, being part of the blockchain, they cannot be altered (they can only be modified if the change is required by the contract itself). Similarly, their execution cannot be influenced, as the smart contract will always be executed according to its specific rules, which are stored in the blockchain.

Reply Blockchain accelerators

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    That's mineRegister and verify the ownership

    Property: a Blockchain accelerator manages the change of property ownership, in other words the transfer of ownership of any digital or physical asset (e.g. vehicles, equity, houses, etc.). Through the registration of a transaction in the Blockchain register, the identity of the seller and the buyer, the unique identifier of the asset and the time stamp associated with the transaction are guaranteed and cannot be modified.

  • BallotchainOnline voting initiative

    Voting: in contexts that require a high level of transparency and security, such as voting in public ballots (e.g. to express a preference in a survey), the Blockchain technology relies on crypto currencies to guarantee both the legal certainty of the vote and the transparency of the process.

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    CloudchainCloud based ticketing platform

    Ticketing: ticketing and couponing systems are highly complex. Furthermore, the risk of distributing counterfeit tickets is a major problem even for the more advanced and modern systems. Through the use of a web platform that exploits the specific features of Blockchain technology, it’s possible to create a secure and interoperable couponing/ticketing solution that still ensures the best possible end user experience.

  • SecurechainSecurity gateway into SDN

    SDN Security: the rise of Software-Defined Networks means that there are new ways for hackers to enter a network or system. Securechain is the solution that introduces security gateway into SDN, whilst creating a forensically auditable and unchangeable log of events. Securechain is built on the Ethereum Blockchain.

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    AuthentichainFuture authentichain mechanism

    Secure Authentication: Authentichain is a new authentication system developed using Blockchain Technology. With Authentichain, it is possible to manage a private network of smart devices that are mutually authenticated and verified. It is also possible to easily extend the network and connect it to other networks (e.g. service providers, specialised technical support, etc.) while guaranteeing the actual identity of the parties involved and the traceability of access.

  • InsurechainInnovative insurance solution

    Insurances: over the years, complexity and costs related to the management of insurance processes have undermined the profitability of companies and inhibited the distribution of innovative insurance products. Insurechain is a solution that facilitates the automation of premium calculations, the management of appraisals and the settlement of certain types of claims, ensuring end-user transparency.

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    BlokcomMessaging platform

    IoT (Internet of Things): things rely on the use of the Blockchain technology to manage the authentication and integrity of messaging between themselves, in order to guarantee the use of a safe and reliable IoT network.

UBIRCH's Digital Vaccination Certificate

The official yellow WHO Certificates of Vaccination and Prophylaxis pass is commonly used as proof of vaccination status and is accepted internationally. On a case-by-case basis it completely serves its purpose but when applied in high-volume checks, the booklet format is bound to meet limitations. The solution: UBIRCH's Digital Vaccination Certificate – an extremely privacy-friendly, digital representation of a vaccination status.

Abdul Gaffar


Decentralised Digital Identity (DDID) will change how we manage passports, driving licenses, and online logins forever

Blockchain Reply focus in on DDID and the potential the technology has to revolutionise digital identity forever. Find out more about the different types of DDID, its use cases and benefits in Blockchain reply's latest article.

Abdul Gaffar


The Compound Power of AI & Blockchain in finance

Blockchain Reply take an in depth look at how Artificial Intelligence solutions and products developed on top of proven blockchain technology will increase the capability and performance of machine learning to create new financial products by an order of magnitude.

Abdul Gaffar


The Future Of Computing Is At The Edge — And The Transition Is Already Here

In the first step of a 3 part journey taking you through Mobile Edge Technology, this article will provide a general overview of what Mobile Edge Computing (MEC) is, why it’s important, and why you need to prepare for it.

How blockchain could play a relevant role in putting Covid-19 behind us

Tommy Jamet, manager at Blockchain Reply, discusses how blockchain can help industries put the Covid-19 pandemic behind them in this Information Age Editor's Choice Article.

Use Cases for Blockchain in Healthcare

Blockchain Reply's upcoming health credential solution is in the spotlight with Information Age, in a new feature exploring in depth the various use cases that blockchain technology has within the healthcare sector.

Tommy Jamet & Gautier Hartzer


Can Blockchain save Democracy in a post-pandemic world?

Today, there are dozens of serious projects with the shared goal of making voting safe, secure, easy, and incorruptible. The majority of these projects have identified Blockchain technology as the key to making this possible. How can Blockchain can help save democracy in a post-pandemic world?

Tommy Jamet and Gautier Hartzer


Zero-Knowledge Proof: Changing The Role of Trust in Relationships Forever

Few forces are as vital to the governance of society and the social fabric of human relationships as trust. Trust governs relationships by greasing the wheels of cooperation that allow us to live and work together with a sense of safety and belonging.

Tommy Jamet and Gautier Hartzer


Remote Trust: Making strategic decisions when your team works remote

Blockchain enables the emergence of ‘trustless systems’ where we can rely on data given, without requiring physical presence. The primary benefits of Blockchain in corporate governance is that it increases efficiency by removing administrative burdens, mitigates the risk of fraud through an immutable audit trail, and generates greater transparency.

Tommy Jamet and Gautier Hartzer


Remote Trust: The potential role of Blockchain in a world of remote work

Discover solutions to five key challenges regarding ‘Remote Trust’ in a remote work world. More specifically, we’ll look at how DLT and Blockchain can practically help society overcome challenges.

Tommy Jamet & Gautier Hartzer


Block Mirror - The Tragedy of the Commons

In episode 4, we’re exploring the new world in a post-2034 financial collapse that sees the end of the US Dollar as the world’s reserve currency and the rise of the BitDollar — the official global currency representing cumulative global GDP.

Tommy Jamet & Gautier Hartzer


Block Mirror - Unlocking the (supply) chain

In episode 3, we’re following on the post-Nationalist world to a new world where Conscious Capitalism can finally thrive with the help of Blockchain. Tune in for your next instalment of Block Mirror.

Tommy Jamet & Gautier Hartzer


Block Mirror - The Citizen of Earth

Tune in for the second article in a five-part series we’re calling ‘Block Mirror,’ exploring Blockchain’s role in the city of tomorrow. In this episode we will be exploring the lives of four friends who become involved in the Citizen of Earth movement, a campaign driving for decentralised governance, digital currencies and technologically enabled fairer immigration.

Tommy Jamet & Gautier Hartzer


Block Mirror - Entering the city

This is the first article in a five-part series we’re calling ‘Block Mirror,’ exploring Blockchain’s role in the city of tomorrow. Just like the TV show, Black Mirror, we’ll explore something different in each episode, except we’ll keep the same cast.


News & Communication

CeTIF - Cattolica University, SIA and Reply launch the national project for the management of sureties using blockchain technology

Experimentation of the national project will start in January 2020, promoted by CeTIF, SIA and Reply, in collaboration with Bank of Italy and IVASS/, to digitize the management of sureties using blockchain technology.

Business Impact


ICO. Is it the future of fundraising?

An emerging phenomenon is right in front of you. A new revolutionary way of funding introduced by blockchain technology. That’s ICO, and consists of the issuance of new tokens that are sold to investors in exchange of the transfer of funds. The sale of tokens is comparable to a crowdfunding campaign. Do you wanna know more?

Intelligent Machines


Can we go a step beyond the Crypto-Hype, please?

Ten years after Bitcoin rolled out, blockchain disruptors’ efforts seems to have a long way from re-inventing the world in a decentralized fashion. Indeed, it’s hard to find a single killer Blockchain application. Nevertheless, startups and corporates keep on struggling. But we have monitored blockchain initiatives worldwide and developed an evaluation model. Take a look.

CeTIF (Research Centre on Technology, Innovation and Financial Services) - Università Cattolica del Sacro Cuore in Milan and with the participation of IVASS (Institute for Insurance Supervision)on the Scientific Committee.


Best Practice

Blockchain for Brexit

In August 2017, the British government released a position paper on future customs arrangements with the EU following Brexit. Among other things, the paper suggested that new technology would address some of the challenges of maintaining trade “as frictionless as possible”. In this paper, we are looking at what blockchain can and can’t do to address this challenge.

Might blockchains help crack Brexit’s Irish trade problem?

Brexit’s Irish trade problem looks ever more complex, assuming that the UK continues with its intent to leave the customs union and single market. Though the UK Government has not proposed it, blockchain-based supply chains with RFID might offer some part of an answer.

Could Fintech And Blockchain Help Italian Banks?

When it comes to overcoming the current crisis in the Italian financial sector, according to economist Stefano Zamagni, new technologies like Blockchain could play a crucial role.