参考文献(选要):
[1] Vitalik Buterin. A Next-Generation Smart Contract and Decentralized Applications Platform. Ethereum White Paper, 2013.
[2] Gavin Wood. Ethereum Yellow Paper. 2014.
[3] Ethereum Improvement Proposal EIP-20. ERC-20 Tokenhttps://www.jqr365lab.cn , Standard.

[4] World Intellectual Property Organization (WIPO). WIPO Intellectual Property Handbook.
[5] ISO 20022 Financial Services Messaging Standard.
[6] The Clearing House. Real-Time Payments (RTP) and FedNow discussions on real-time settlement.

[7] Protocol Labs. IPFS: Content Addressed, Versioned, P2P Hypermedia for the Distributed Web; Filecoin whitepaper.
[8] Ben-Sasson et al. Zerocash/ZK-SNARKs foundational works on zero-knowledge proofs; recent ZK-Rollups literature.