The emergence of blockchain technology has made possible decentralized payment systems. In 1994, Nick Szabo described a computer protocol (smart contract) that, based on mathematical algorithms, independently conducts transactions with full control over their implementation. A smart contract without the participation of intermediaries ensures the fulfillment by the parties of the terms of the contract, the safe exchange of money, shares, and other assets directly. Many cryptocurrencies use the smart contracts, in contrast to NEM where a technology is applied in which there is no customary smart contract or the decentralized application DApps.
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