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Number three: the biggest flow of funds from the developed world to the developing world
第三点：从发达国家到发展中国家，规模最大的资金流动
is not corporate investment, and it's not even foreign aid. It's remittances.
并不是公司投资，甚至也不是外国援助，而是汇款。
This is the global diaspora; people have left their ancestral lands,
这是散居在全球的人们，离开了祖辈的土地，
and they're sending money back to their families at home.
他们把钱汇回家中。
This is 600 billion dollars a year, and it's growing, and these people are getting ripped off.
一年会产生6000亿美元的汇款，而且还在不断增加。而且他们正在被剥削。
Analie Domingo is a housekeeper. She lives in Toronto,
安娜丽·多明戈是位女管家。她在多伦多生活，
and every month she goes to the Western Union office with some cash to send her remittances to her mom in Manila.
每个月都会带着现金来到西联汇款公司，把钱汇给在马尼拉的妈妈。
It costs her around 10 percent; the money takes four to seven days to get there;
手续费占了将近10%，转账手续需要花费4到7天的时间，
her mom never knows when it's going to arrive.
她妈妈从来不知道到账的时间。
It takes five hours out of her week to do this.
每个礼拜她都要花五个小时来检查是否到账。
Six months ago, Analie Domingo used a blockchain application called Abra.
六个月前，安娜丽·多明戈使用了一款名叫阿布拉的区块链应用。
And from her mobile device, she sent 300 bucks.
她从自己的手机上转出了300美元。
It went directly to her mom's mobile device without going through an intermediary.
直接转入了她母亲的手机上，并没有经过中间商。
And then her mom looked at her mobile device --
她的母亲只需查看她的手机
it's kind of like an Uber interface, there's Abra "tellers" moving around.
有点像Uber的应用界面，阿布拉中有”出纳员“在循环滚动。
She clicks on a teller that's a five-star teller, who's seven minutes away.
她点击一个五星的出纳员，只相隔7分钟的路程。
The guy shows up at the door, gives her Filipino pesos, she puts them in her wallet.
那位伙计很快出现在门口，给了她菲律宾比索，随后把钱放进钱包。
The whole thing took minutes, and it cost her two percent.
整个过程只需要几分钟时间，并且花费只有2%。
This is a big opportunity for prosperity.
这是经济繁荣的巨大机遇。
