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26 June 2025

Smart Contracts (Glossar)

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Der Begriff Smart Contracts ist vor allem in den Bereichen Blockchain, Digitale Transformation und Crowdfunding und Finanzen zuhause.

Ein Smart Contract ist ein digitaler Vertrag, der auf einer Blockchain gespeichert ist. Anders als herkömmliche Verträge funktioniert er automatisch: Sobald vorher festgelegte Bedingungen erfüllt sind, wird der Vertrag automatisch ausgeführt – ganz ohne einen Mittelsmann wie einen Notar oder Anwalt.

Beispiel: Beim Kauf eines Konzerttickets kann ein Smart Contract so programmiert werden, dass das Ticket erst dann an den Käufer übertragen wird, wenn die Bezahlung erfolgreich durchgeführt wurde. Ist dies geschehen, wird die Transaktion in der Blockchain vermerkt und niemand kann sie mehr nachträglich ändern.

Das macht Smart Contracts besonders sicher und transparent. Außerdem sparen sie Zeit und Kosten, da viele Schritte automatisiert ablaufen. Durch ihren Einsatz werden viele Prozesse in der Finanzwelt, aber auch bei digitalen Marktplätzen oder im E-Commerce vereinfacht und beschleunigt.

Smart Contracts gelten als wichtige Grundlage für die weitere Digitalisierung von Geschäftsprozessen und bieten neue Möglichkeiten für Unternehmen und Privatpersonen, Verträge sicherer und effizienter abzuschließen.

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written by:

Sanjay Sauldie

Sanjay Sauldie is a digital strategist, speaker and developer of the transruption toolkit, which companies can use to make their digital transformation measurable, human and sustainable. With kiROI - the AI-based approach to value creation in the digital age - he helps self-employed people and companies to integrate artificial intelligence into their processes in a practical way. With his outstanding marketing strategy iROI, he has already led countless companies to greater visibility and thus more profits. He combines digital innovation with disruptive thinking models for a sustainable business strategy. He studied mathematics and computer science at the University of Cologne, completed a Master of Science in Digital Disruption at the University of Salford (UK) and a Design Thinking programme at MIT/EMERITUS Singapore. As a multiple award-winning expert - including the Golden Web Award and the Innovation Award of the Initiative Mittelstand - he advises SMEs and corporations. His motto: "Digitalisation is not an end in itself - it must serve people."

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