Development and commercialisation of an AI, ML and data enabled online commodity trade finance platform (Athena)

“确保中小型商品交易商(SMCT，完成交易100万英镑)获得商品交易融资(CTF)将改善市场竞争，创造就业机会，并有助于为消费者保持较低的商品价格。目前，大多数SMCT无法获得CTF，原因是这些交易处理过程中涉及的现有银行做法使律师事务所等为他们提供服务的费用太高。在缺乏确保更便宜、更容易获得CTF的完整法律解决方案的平台的情况下，少数大宗商品交易商主导了市场，推高了消费者的大宗商品价格。目前，分布式分类账技术为中小企业获得CTF提供了最好的帮助。它使用区块链智能合约在利益相关者之间执行资金转移，使这一过程无纸化。然而，这项技术并没有减少创建尽职调查和法律框架所需的大量时间和成本，这些都是SMCT获得贸易融资的主要障碍。总部位于英国的中小企业Satoshi Systems Ltd正在开发一个名为雅典娜的平台，该平台将首次能够使现有的法律实践更有效率。雅典娜的智能机器学习软件将利用之前大宗商品交易的历史数据，提供合适的法律框架。雅典娜使用的人工智能软件用于完成尽职调查，并结合区块链技术生成自动执行的智能合同，减少了经验丰富的律师的手动工作，并确保所有相关利益相关者的隐私。这反过来将使中小企业能够获得CTF，使它们能够在商品市场上进行交易，这将增加竞争，提高它们的生产力，并增加其业务的知识和技能。雅典娜的成功开发和2021年第一季度的全球商业化将增加商品交易市场内的就业和增长、竞争、质量和创新。

"Securing access to commodity trading finance (CTF­) for small and medium sized commodity traders (SMCTs, completing transactions \>£1million) will improve market competition, create jobs and help to keep commodity prices lower for consumers. Currently the majority of SMCTs are unable to secure CTF due to the existing banking practices involved in the processing of these transactions which make it too expensive for, among others, law firms to serve them. In the absence of a platform ensuring the complete legal solution for cheaper, easier access to CTF, a small number of commodity traders dominate the market, driving commodity prices up for consumers.Currently, Distributed Ledger Technology provides the best assistance for SMCTs to access CTF. It uses blockchain smart contracts to execute money transfers between stakeholders to make this process paperless. However, this technology does not alleviate the significant time and costs it takes for the due diligence checks and legal frameworks to be created which are the major barriers to SMCTs access to trade finance.Satoshi Systems Ltd, a UK based SME, are developing a platform 'Athena' which, for the first time will be able to make the existing legal practices more efficient. Athena's intelligent machine learning software will use the historical data of the previous commodity trading transactions to provide a suitable legal framework. The Artificial Intelligence software used in Athena is used to complete the due diligence checks, alongside blockchain technology to produce a self-executing smart contract reducing the manual work of an experienced lawyer and ensuring the privacy of all stakeholders involved. This in turn will enable SMCTs access to CTF allowing them to trade on the commodity market which will increase competition, their productivity and the knowledge and skills of their business. Successful development and the global commercialisation of Athena in Q1-2021 will increase jobs and growth, competition, quality and innovation within the commodity trading market."