NEAR Protocol is a decentralized application platform designed to make DApps operable on the web. The NEAR network uses a Proof of Stake consensus mechanism called Nightshade. The NEAR utility token is used for processing transactions and storing data, as well as for facilitating voting for governance issues.
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Polymath is a blockchain-based protocol that makes it easier to raise capital and create security tokens. The Polymath ST-20 standard embeds regulatory requirements into the tokens themselves, restricting trading to verified participants only. The protocol simplifies the complex technical challenges of creating a security token and aims to bring the multi-trillion dollar financial securities market to the blockchain.