# Track 3d: Cross-Border - "Impacts"
**URL:** https://talk.harmony.one/t/track-3d-cross-border-impacts/1980
**Category:** Archive
**Created:** [August 10, 2021, 12:54am UTC](https://talk.harmony.one/t/track-3d-cross-border-impacts/1980 "2021-08-10T00:54:59Z")
**Posts on this page:** 4
**Page:** 1
### Author:  [@lij](https://talk.harmony.one/u/lij)
#### Post date: [August 10, 2021, 12:54am UTC](https://talk.harmony.one/t/track-3d-cross-border-impacts/1980/1 "2021-08-10T00:54:59Z")
**Cross-Border with Fintech Integrations**
**Track 12 - Impacts. Social changes & mechanisms, [radical markets](https://twitter.com/stse/status/1382014706991263746)**
* * *
Lastly, the third hackathon theme is _Cross-Border_ with fintech and social integrations. The 4 tracks — Gateways, Corporate, Regional, Impacts — emphasize the **real-world value** for business and communities across countries. Toward unbundling of banks, our developers can replicate many centralized services like fiat exchanges, over-the-counters, credit cards, or even corporate finance. Many global business and most decentralized teams are already facing the pain of scaling beyond tens of teammates and countries — dealing with employee payrolls, retirement benefits, medical insurance, and expense compensations. Fortunately, cryptography primitives like auditable privacy will make accounting and tax compliant for business on public blockchains.
Now is also the prime time to innovate on consumer marketplaces and social incentives on blockchain. **Radical markets** mean self-assessed taxation and quadratic stakes; mechanism designs focus on revealing true preferences and multi-round auctions. Both on blockchain can make retail loyalty programs or commerce logistics far more efficient — or even bring social changes in the form of basic income and retrospective funding for public goods. ([more](https://twitter.com/stse/status/1382014706991263746))
---
### Author:  [@edbong](https://talk.harmony.one/u/edbong)
#### Post date: [August 18, 2021, 7:14pm UTC](https://talk.harmony.one/t/track-3d-cross-border-impacts/1980/2 "2021-08-18T19:14:41Z")
Talking about real **impact** : we should have projects like these participate
> **[Home | Grassroots Economics](https://www.grassrootseconomics.org/)**
>
> Ending poverty lies in building community. Community currencies provide a way to exchange goods and services and incubate new businesses, without relying on scarce national currency and volatile markets.
---
### Author:  [@john\_whitton](https://talk.harmony.one/u/john_whitton)
#### Post date: [August 25, 2021, 2:48am UTC](https://talk.harmony.one/t/track-3d-cross-border-impacts/1980/3 "2021-08-25T02:48:09Z")
#### Track 12: Cross-Border - “Impacts”
In this category, we emphasize the **real-world value** for business and communities across countries. Toward unbundling of banks, our developers can replicate many centralized services like fiat exchanges, over-the-counters, credit cards, or even corporate finance. Many global business and most decentralized teams are already facing the pain of scaling beyond tens of teammates and countries — dealing with employee payrolls, retirement benefits, medical insurance, and expense compensations. Fortunately, cryptography primitives like auditable privacy will make accounting and tax compliant for business on public blockchains.
Now is also the prime time to innovate on consumer marketplaces and social incentives on blockchain. **Radical markets** mean self-assessed taxation and quadratic stakes; mechanism designs focus on revealing true preferences and multi-round auctions. Both on blockchain can make retail loyalty programs or commerce logistics far more efficient — or even bring social changes in the form of basic income and retrospective funding for public goods. ([more](https://twitter.com/stse/status/1382014706991263746))
Strategy: [Decentralized Basic Income: Creating Wealth with On-chain Staking and Fixed-Rate Protocols](https://docs.google.com/document/d/12JqVCNmWVrXvexPija8Cg9Ee-POAJuJnY1-Ycq3jVxw/edit?pli=1)
Examples: [payroll](https://techcrunch.com/2021/04/21/remote-hiring-startup-deel-raises-156m-at-a-1-25b-valuation-after-20x-growth-in-2020/), [frax’s consumer index](https://twitter.com/stse/status/1400911323664289794), [create wealth](https://twitter.com/1wallet_/status/1413642579590008834)
Harmony Developer Guides: [Getting Started](https://docs.harmony.one/home/developers/getting-started), [Harmony Stack and Projects](https://docs.harmony.one/home/developers/harmony-stack), [Deployed Contracts](https://docs.harmony.one/home/developers/list-of-deployed-contracts)
Harmony Hackathon Repository : [Has sample projects and links to hackathon information](https://github.com/harmony-one/hackathon)
## Sources for Ideas
For more information on Harmony’s Ecosystem and projects of interest see [here](https://docs.harmony.one/home/developers/harmony-stack).
**Potential ideas include**
- corporate finance,
- loyalty points
- social impacts
### Research and Repositories
- [Social Referral](https://medium.com/terra-money/introducing-buzlink-scaling-social-referrals-5e08c2c65e8e)
### Additional Developer Links
- [Developer Docs](https://dev.harmony.one/)
- [Getting Started](https://docs.harmony.one/home/developers/getting-started)
- [APIs](https://docs.harmony.one/home/developers/api)
- [Dapp Templates and Tutorials](https://docs.harmony.one/home/developers/showcases/dapp-samples-on-harmony)
- [Codebase](https://github.com/harmony-one)
- [Horizon trusted bridge smart contracts](https://github.com/harmony-one/ethhmy-bridge)
**Ready to build? Sign up at this Gitcoin blurb below!** and **Reply to this thread**
> **[buidlbox](https://app.buidlbox.io/)**
>
> Ongoing and upcoming hackathons. Every buidlers gateway into the digital frontier.
---
### Author:  [@Jacksteroo](https://talk.harmony.one/u/Jacksteroo)
#### Post date: [November 27, 2021, 11:07am UTC](https://talk.harmony.one/t/track-3d-cross-border-impacts/1980/4 "2021-11-27T11:07:11Z")