Analyzing the Innovation in Marmara Blockchain with 40 TRIZ Principles 

Marmara Credit Loops through the Lens of 40 TRIZ Principles

Innovation in Blockchain: Marmara Credit Loops through the Lens of TRIZ

The Theory of Inventive Problem Solving (TRIZ) is a systematic approach to understanding and solving complex problems. TRIZ, founded by Genrich Altshuller, posits that the evolution of technological systems follows predictable patterns. In this post, we'll examine how Marmara Chain and its innovative feature, Marmara Credit Loops, align with some of TRIZ's principles.

Marmara Chain and Marmara Credit Loops

The Marmara Chain is a unique blockchain that applies a credit loop system inspired by post-dated checks and promissory notes used in traditional financial systems. In its first phase, Marmara Chain ensures that all credits issued are fully collateralized, eliminating default or non-redemption. In the second phase, real credits in various fiat currencies can be issued, where a minimum of 10% must be collateralized in MCL, and an escrow system is added to maintain trust and security.

TRIZ in Marmara Chain

The development and functionalities of Marmara Chain align with several TRIZ principles. Here, we will discuss a few:

TRIZ Principle #1: Segmentation
Marmara Chain applies this principle through its phased development approach (Phase 1 and Phase 2). Each phase focuses on a specific set of features and improvements, creating manageable segments that make it easier to tackle complex issues in the system.

TRIZ Principle #2: Taking Out
In terms of taking out, Marmara Chain adopts this principle by introducing escrow accounts in Phase 2. The escrow system essentially "takes out" a certain amount of collateral from the parties involved in a credit loop, providing an additional layer of security against non-redemption. By isolating these funds, the system ensures there's always some value to back up the credit, thus mitigating risks associated with defaults.

In addition, the transaction processing in Marmara Chain could also be interpreted as an application of the Taking Out principle. When a transaction is created, it's first taken out from the main blockchain and processed by a specific node. This segregated processing prevents the entire network from being bogged down with individual transactions, improving overall efficiency and speed of the blockchain.

TRIZ Principle #3: Local Quality
This principle comes into play with the local notary nodes in Marmara Chain. Each node can independently process transactions, providing a local solution to a global problem. Furthermore, the Proof-of-Work and Proof-of-Stake consensus mechanisms cater to the specific needs of the network's different segments.

TRIZ Principle #5: Merging
The notary nodes in Marmara Chain indeed constitute an application of the Merging principle. In the network, individual notary nodes come together to form a consensus mechanism, thereby strengthening the security and integrity of the blockchain. Each node, while operating independently, contributes to the overall robustness of the system, exemplifying the principle of Merging.

TRIZ Principle #10: Preliminary Action
The Marmara Chain's dual-phase approach embodies the principle of preliminary action. Phase 1, where all credits are fully collateralized, sets the stage for the more flexible Phase 2, allowing for partially collateralized credits and introducing real-world currencies.


TRIZ Principle #13: The Other Way Round
Marmara Chain reimagines the traditional way of issuing and managing credit by replacing the centralized system with a decentralized one. This 'other way round' approach not only brings in transparency but also reduces risks related to credit issuance.

TRIZ Principle #16: Partial or Excessive Actions
In the second phase of Marmara Credit Loops, the system requires only a partial collateral, as opposed to full collateralization in Phase 1. This 'partial action' provides flexibility to the issuers, avalists and endorsers, ensuring a balance between security and accessibility. The partial collateralization is not only by the issuer but also by the avalists and endorsers at every node, ensuring a distributed form of collateralization that enhances the security and trust in the system.

TRIZ Principle #17: Transition into a New Dimension
Marmara Chain takes the traditional credit system into a new dimension by utilizing blockchain technology. It not only digitizes but decentralizes the process, ensuring greater transparency, security, and accessibility.

TRIZ Principle #24: Use Intermediary
The blockchain acts as an intermediary in the credit loops. It automatically executes, verifies, and records transactions, eliminating the need for third-party involvement and reducing potential fraud or error.


TRIZ Principle #25: Self-Service
Marmara Credit Loops operate on a self-service basis. Each participant can initiate, manage, and close their own credit loops. The system empowers individuals and promotes autonomy.

TRIZ Principle #28: Replacement of Mechanical System
In essence, Marmara Chain replaces the "mechanical" system of traditional finance with a digital, automated one. It streamlines operations and enhances efficiency.


TRIZ Principle #35: Parameter Changes
Phase 2 of the Marmara Credit Loop system introduces parameter changes by allowing real-world currencies for credit issuance. This adaptability makes the system more versatile and inclusive.


In conclusion, Marmara Chain's innovative approach aligns with several TRIZ principles, indicating its value as a technological innovation. As the blockchain landscape continues to evolve, applying such systematic problem-solving methods can provide valuable insights and guide further development.