How do I get currency exchange rates via an API such as ...


Welcome to IOTAmarkets! -- IOTA is a quantum-resistant distributed ledger protocol launched in 2015, focused on being useful for the emerging m2m economy of Internet-of-Things (IoT), data integrity, micro-/nano- payments, and anywhere else a scalable decentralized system is warranted. IOTA uniquely offers zero fees, no scaling limitations, and decentralized consensus where users are also validators. The digital currency 'iota' has a fixed money supply with zero inflationary cost.

Swap Bitcoin With These Top Ranking Services

There are multiple crypto exchange (bitcoin swap) services that help you covert cryptocurrencies. Most of these services are non-custodial and do not require signup. Using these services, you can convert bitcoin or altcoins. In addition, some of these services also offer to buy and sell cryptocurrencies using fiat. Let’s dive in.

How do Bitcoin Swaps work?

Let’s say you want to convert 1 BTC to ETH. Here is an overview of the exchange process step by step.


ShapeShift is one of the oldest crypto exchange services. The company was founded in 2014 by Erik Voorhees.
You don’t need to signup for crypto-asset exchange equivalent up to $50K.
In addition, you can sign up and connect your wallets to exchange your crypto on Shapeshift, if you want high-value exchange. ShapeShift also has a Fox token, using which you can avoid fees.
Other than a crypto exchange service, Shapeshift also built other products, such as CoinCap, a crypto market API provider, and Keepkey, a hardware wallet.
ShapeShift features:


ChangeNow is one of the most reliable crypto exchange services. It doesn’t require any signup and doesn’t impose a maximum limit.
In addition, you can also buy cryptocurrencies using your Master or Visa card with ChangeNow.
The team has built multiple products around coin conversion. Such as NowPayments helps you accept payment in any cryptocurrencies and convert in the currency of your choice instantly.
ChangeNow features:


Swaplab is a simple crypto exchange service using which you can convert Bitcoin and other altcoins. Like other services, It is a non-custodial and doesn’t require any signup or account creation.
SwapLab features:


Cryptmixer is a non-custodial coin swap service that does not require any account creation.
Unlike other coin exchange services, Cryptmixer is transparent about the fee. It charges .05% as an exchange fee and has high exchange limits.
Cryptmixer features:


SimpleSwap supports more than 225 cryptocurrencies. It’s non-custodial with no signup needed.
In addition, anyone can integrate with SimpleSwap using its APIs and earn a commission for every conversion.
SimpleSwap features:


Swapzone is an exchange aggregator working with non-custodial instant cryptocurrency swap services. Currently, the service supports over 300 assets for swaps at best rates and operates through 10+ partnering platforms (for example, Changelly, SimpleSwap, Godex, and ChangeNOW). The aim of the platform is to provide as much information on cryptocurrency swap rates and services as possible, all in one convenient interface.
Swapzone features:

Wrapping up…

Cryptmixer is a crypto exchange aggregator that shows the best exchange prices by scanning multiple websites. Therefore, you would like to check it out before using the services mentioned above.
In addition, many of these crypto exchange services provide APIs, widgets, affiliate links, and white label solutions. You can earn commission by integrating or advertising these services.
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Decentr ($DEC) - foundational cross-chain and cross-platform DeFi protocol

Decentr is a protocol designed to make blockchain/DLT mainstream by allowing DeFi applications built on various blockchains to “talk to each other”. Decentr is a 100% secure and decentralised Web 3.0 protocol where users can apply PDV (personal data value) to increase APR on $DEC that users loan out as part of of our DeFi dLoan features, as well as it being applied at PoS when paying for stuff online. Decentr is also building a BAT competitor browser and Chrome/Firefox extension that acts as a gateway to 100% decentralised Web 3.0
Allows DeFi Dapps to access all Decentr’s dFintech features, including dLoan, dPay. Key innovation is that the protocols is based on a user’s ability to leverage the value of their data as exchangeable “currency”.

A fee is charged for every transaction using dPay whereby an exchange takes place between money (fiat and digital) and data, and vice versa, either as part of DeFi features or via a dApp built on Decentr. They are launching pilot programmes in the following industries:
  1. Banking/PSP Industry: On Product launch, due to Decentr’s powerful PSP connections (including the worlds #2 PSP by volume), a medium-scale pilot program will be launched, which will seed the network with 150,000 PSP customers in primarily the Spanish/LAC markets, generating revenue from day one.
  2. “Bricks and Mortar” Supermarket/Grocery Industry: Decentr aims to ensure the long-term competitiveness of “bricks and mortar” supermarkets against online-only grocery retailers, such as Amazon, by a) building secure tech that allows supermarkets to digitise every aspect of their supply chains and operational functions, while b) allowing supermarkets to leverage this incredibly valuable data as a liquid asset class. Expected revenue by Year 5: $114Mn per year.
  3. Online Advertising Industry: Decentr’s 100% decentralised platform credits users secure data with payable value, in the form of PDV, for engaging with ads. The Brave browser was launched in 2012 and in 8 years has reached over 12 million monthly active users, accented by as many as 4.3 million daily active users.
Decentr recently complete their token sale on a purchase portal powered by Dolomite where they raised $974,000 in 10 minutes for a total sale hardcap of 1.25M. The $DEC token is actively trading on multiple exchanges including Uniswap and IDEX. Listed for free on IDEX, Hotbit, Hoo, Coinw, Tidex, BKex. Listed on CoinGecko and Coinmarketcap. Listed on Delta and Blockfolio apps.
➡️ Circulating supply: 61m $DEC.
➡️ Release schedule and token distribution LINK -> NO RELEASE UNTIL 2021.
➡️Contract Address - 0x30f271C9E86D2B7d00a6376Cd96A1cFBD5F0b9b3
➡️Decimals - 18, Ticker - DEC
➡️Uniswap link:
$DEC Token utility:
A tradeable unit of value that is both internal and external to the Decentr platform.A unit of conversion between fiat entering and exiting the Decentr ecosystem.A way to capture the value of user data and combines the activity of every participant of the platform performing payment (dPay), or lending and borrowing (dLend), i.e a way to peg PDV to tangible/actionable value.Method of payment in the Decentr ecosystem.A method to internally underwrite the “Deconomy.
Simon Dedic - chief of Blockfyre:
Spectre Group Pick :
Patrons of the Moon/Lil Uzi:
tehMoonwalker pick who is a TOP 5 influencer per Binance:
Holochain was one of their earliest supporters and they share a deep connection (recently an AMA was conducted in their TG group):
Technical Whitepaper:
Recent Articles:
Chad Gang STRONG Community:
Community News Channel:
Recent Uniswap trades:
Wallet holder tracker:
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Swipe Bi-Weekly Update #6

Swipe Bi-Weekly Update #6
Swipe opened the month of August with the launch of its Swipe Network Staking and its announcement to run a Decentralized Finance Lending/Earn application on Binance Smart Chain. This was also followed by the plan to release product updates, events, listings, or partnerships every week until the end of 2020.
Bringing their promise and commitment true to the public, here are the activities that Swipe has released for the past two weeks:
Swipe Launches Staking/DeFi
Swipe has recently launched its test network for Swipe Network Testnet Staking and, at the same time, announced its plans to launch a Decentralized Finance Lending/Earn application on Binance Smart Chain.
With the launch of the Swipe Network testnet, users can use the Swipe Faucet to grab testnet-SXP to use on the decentralized finance application. Users will be able to bond SXP to the Swipe Network smart contract as collateral to ensure the guarantee of conversions for these exchanges. A reserve system in place to lock SXP and guarantee that the merchant and payment networks receive the exact fiat amount is in place as Swipe facilitates real-time conversions on-demand.
Users will receive up 12% APY on their staked SXP within the Swipe Network off-chain and a variable rate for on-chain. Swipe plans to enable staked SXP to earn the processing fees it charges in the future as well on top of the collateral rewards from staking.
Also, Swipe revealed its plans to launch a DeFi App on Binance Chain called SwipeFi, which will enable Binance Chain tokens to be used to earn interest on their supply of collateral to the protocol and borrow against their collateral directly on the Binance blockchain.
Swipe (SXP) Trading Competition
Last August 5 to 12, Swipe and Binance team have both committed a total of 100,000 SXP and 50,000 USDT in prizes to thank its users worldwide for their continued support and to also celebrate the Swipe acquisition and SXP/USDT listing in Futures, Margin and Spot markets. The contest was divided into three categories: a new user exclusive rewards, a trading competition, and the Lucky 99, which awarded users ranked 99th, 199th, 299th, 399th, and so forth until the 9999th place of the top 10,000 SXP traders based on their trading volume.
Swipe x WBTC
Swipe has partnered with WBTC Network and has officially been approved as a merchant for WBTC minting through the WBTC Network’s DAO Governance process. Swipe Wallet users will be able to benefit from instantly wrapping Bitcoin BTC to Wrapped Bitcoin (WBTC) and vice versa with just a few clicks. Swipe has also listed WBTC on the Swipe Wallet platform and Swipe Visa Card to enable users to buy, sell, exchange, and spend WBTC at over 60 million merchants worldwide.
SXP on CoinDCX
SXP, the native token of Swipe, is now listed and live on its second Indian Exchange CoinDCX. Trading for $SXP token is now live for CoinDCX users who wish to trade SXP/BTC and SXP/USDT.
CoinDCX trading links for SXP: &
Wazirx AMA Session
Swipe Chief Executive Officer (CEO) Joselito Lizarondo, held an AMA session with the Telegram community of Wazirx, a bitcoin exchange in India, last August 7. In the AMA session, Lizarondo answered questions about Swipe, Swipe Card, its new partnership with Binance, and the recent projects that the company has announced. The community also asked if Swipe is planning to bring its card services to India as it is one of the biggest crypto market countries at present.
To read the whole summary of the AMA visit:
New Swipe Product Manual
Swipe has released a new “redefined” white paper under the title: Swipe Product Manual. The Swipe Product Manual was designed with simplicity in mind for easy and coherent descriptions of the Swipe ecosystem of products. This will describe all of Swipe’s current and future products that the team has planned. Technical descriptions and documentation will be made available, as required, per protocol, as some will have API access for developers.
The Swipe Product Manual can be viewed by clicking here or by going to or downloading to your desktop.
Swipe 0% Fees
Starting Monday, August 17, Swipe Wallet and Swipe Card users will no longer have to pay any fees to buy, sell, and pay with crypto. Users can now purchase, sell, and convert cryptocurrencies to and from fiat currencies without the previous 1% fee. Swipe cardholders will also enjoy waived membership fees and free card shipping.
Swipe Staking
As Swipe prepares to launch the Swipe Network Staking mainnet, the Swipe Wallet application will support SXP staking. Users will enjoy staking rewards based on their SXP balances that are held on the Swipe Wallet beginning on August 23, 00:00 UTC.
More details of the staking can be viewed at:
Swipe Reddit AMA
In his first blog post on Medium, Swipe CEO Joselito Lizarondo answered the questions that the Reddit community asked regarding Swipe’s activities and plans for the future. He talked about the new partnership programs of Swipe, its newly released “Product Manual,” and the new roadmap, which will be kept in stealth “to focus on bringing maximum value to these announcements and products.”
Read the whole transcript of Joselito Lizarondo’s AMA here:
Swipe and Kava Partnership
Swipe has formed a strategic partnership with Kava Labs to further grow the USDX DeFi Ecosystem as Swipe prepares to bring decentralized finance applications to the Binance Smart Chain. Swipe has also listed KAVA and USDX on the Swipe Wallet platform where users can buy and sell KAVA and USDX with a linked bank account or credit/debit card as well as enabled it to be converted and spent at over 60 million merchants worldwide with the Swipe Visa Card.
$16M+ Ecosystem Rewards Program for BNB Holders on Binance
Swipe is launching a 12-week-period $16,000,000 Ecosystem Rewards Program for BNB holders, starting August 17. This program aims to continue to promote the usage of Swipe products, including the Swipe Network Staking and Governance within a strong community. With Swipe’s partnership with Binance, a weekly distribution of 333,333.33 SXP will run to BNB holders on
Know more about the Rewards Program here:
Swipe’s Chainlink Based Price Oracles Now Live
Swipe has collaborated with Chainlink, the market-leading decentralized oracle network, to launch a live SXP-USD price oracle on the Ethereum mainnet. By switching to Chainlink, users receive stronger guarantees around trust and transparency in the payments process, as critical price feeds for the network are now completely decentralized and available to monitor on the blockchain.
This decentralized infrastructure ensures that reward issuances and token burns only take place based on accurate, highly available, and tamper-proof on-chain prices that have no single point of failure or absolute truth. Users can independently verify the current price, how price updates occur, which nodes are providing data to the network, and more. This means users no longer need to rely on Swipe to produce fair conversion rates.
Stay up-to-date with all the latest news from Swipe
Telegram: &
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SaTT will be listed on

SaTT will be listed on
SATT will launch on
Open deposit time: 2020.9.23 18:00 (UTC+8)
Open trading time: 2020.9.24 18:00 (UTC+8)
Open withdrawal time: 2020.9.27 18:00 (UTC+8)
Open trading pair: SaTT/USDT
SaTT introduction:
SaTT, which stands for Smart Advertising Transaction Token, is a utility token that enables advertisers to buy smart advertising services on its Ethereum-based Dapp. All transactions between advertisers and publishers are governed by the SaTT smart contract which ensures speed, transparency, and security and is cost-efficient. Furthermore, the Dapp uses Oracles that help to quantify the ROI by getting data from the 3rd-party API of platforms like Youtube, Facebook, Twitter, Instagram etc, to evaluate the performance of all digital actions of the advertising services paid for. Presently, SaTT is proud to announce that it has developed a Youtube Oracle already deployed in several campaigns.
Once all criteria have been successfully met, payments are immediate, tamper-proof and not subject to transfer or currency conversion fees, a perfect use case of the ethereum smart contract. Currently the project is in the Top 5 rankings on ICO bench by ratings based on the platform’s assessment algorithm together with experts’ ratings, and the most rated project of all time.
Official website:
White paper:
Blockchain query address:
SaTT Officials: Twitter: Facebook Page: LinkedIn: Telegram: Bitcoin Talk: Medium: Github:
Risk notes
Digital asset trading is a high-risk trading method, which may lead to a partial or total loss. Users are requested to participate carefully and carefully consider the experience of trading digital assets and the degree of risk tolerance before deciding to buy or sell. The contents of this announcement and other information on the (BW) platform do not constitute investment proposals, and the platform will not bear any direct or indirect losses arising from reliance on such information. BW is not liable for guarantee or compensation for the project or investment behavior.
【Contact us】
Mailbox: [email protected]
Official website: |
Download BW APP:
BW, Bit World, Better World Global Operations Team
Sep 22, 2020
submitted by bwexchange to u/bwexchange [link] [comments]

Decentralized payment system NeuronChain presented two new products — NeuronEx P2P-exchange and NeuronWallet digital wallet!

Decentralized payment system NeuronChain presented two new products — NeuronEx P2P-exchange and NeuronWallet digital wallet!
Decentralized payment system NeuronChain presented two new products — NeuronEx P2P-exchange and NeuronWallet digital wallet! ❤️
Transactions with cryptocurrencies and fiat currencies have become even easier — in NeuronChain dPay system, you can use bank cards when buying / selling cryptocurrency. And the network speed has already reached over 100,000 tx/s!
1️⃣. NeuronEx is a P2P Exchange that connects crypto and fiat worlds. It allows to buy, sell or exchange Bitcoin, Ethereum and other cryptocurrencies easily and safely with more than 200 Payment Methods. The platform offers the following advantages: 📷— own coin Neuron (NRON); 📷— direct transfer between the buyer and the seller; 📷— escrow guarantees safe transactions; 📷— the best exchange rate; 📷— more than 200 + payment methods (even with debit/credit cards); 📷— get 50% of any commissions when paying with NRON; 📷— simple registration and 0% Fee Month for trading on NeuronEx; 📷— the opportunity to increase profit through NeuronEx Affiliate Program; 📷— special programs and rewards for NRON holders and traders; 📷— advanced features of order placing and price monitoring.
NeuronEx fully guarantees the security of all cryptocurrency transactions: the payments in cryptocurrency are carried out through an Escrow account, while NeuronEx constantly monitors the fulfillment of all conditions and acts as an independent guarantor.
2️⃣. Neuron Wallet is a decentralized multi-currency wallet, which enables a customer to deposit, exchange and transact with various cryptocurrencies and with fiat funds through embedded fiat cards (in nearest future). The wallet offers the following advantages: 📷— conversion between cryptocurrencies; 📷— trade on the NeuronEx P2P exchange directly from your Neuron Wallet; 📷— conversion from/into fiat money; 📷— transparent cross-border remittance; 📷— guaranteed security (two-factor authentication, multisig and seed-phrases); 📷— anonymity (user data is never stored on the company’s servers); 📷— debit/credit cards support: access to balance information, making transfers, security settings, issuance of new cards; 📷— simplified process of depositing and withdrawing currencies; 📷— crypto API (integration with third-party services, a ready-made solution for online stores, services and portals that need to introduce — cryptocurrency transactions); 📷— usage cryptocurrencies to make everyday purchases with a bank card linked to your Neuron Wallet. Bespoke security for the wallet is guaranteed by private keys that are stored at the user’s end.
Try both
#Finance #NeuronChain #blockchain #NeuronEx #NeuronWallet #CryptoNeuroNews #crypto
submitted by neuronchain to NeuronChain [link] [comments]

Banca internacional #03 UK LT BG MT DE – Intro EU y Fintech

Este contenido fue publicado originalmente el 06/08/2019 - Aca
Posts anteriores de la serie

Background e intro
La Union Europea y en cuestión el Area Economica Europea o single market es un colectivo de veintiocho estados, cuales en su mayoría abolieron todo tipo de controles migratorios internos. También llamado Area Schengen, aunque esta, no incluye los veintiocho miembros sino, veintiséis.

De la misma manera, el “single market” o Eurosystem, mercado común europeo y su moneda de facto el Euro, ISO 4217 : EUR no se usa en todos los miembros del área política. Sin embargo todos los miembros de la Union Europea y varias de las jurisdicciones que no usan el Euro como su moneda de intercambio oficial (Romania, Polonia, Suiza, Dependencias de la corona, etc.) son parte del área SEPA compuesta por 36 miembros.

SEPA, Single Euro Payment Area es un protocolo de créditos y débitos bancarios entre personas físicas o legales de rápida ejecución operando 100% bajo el estándar IBAN. Es moderno comparado con otros sistemas similares como el ACH o wires locales americanos, ciertamente anticuados y de un costo mucho mas alto de operar.

Por regulación del ECB (European Central Bank) los pagos SEPA ya sean créditos o débitos deben ser gratuitos y se considera ilegal cobrar por una transferencia SEPA.

Esto dicho, varias instituciones cobran un “fee” por la ejecución de transferencias SEPA bajo alguna descripción a modo de eufemismo.

Si bien SEPA es considerado relativamente moderno, SEPA ICT (Instant Credit Transfer) ya se encuentra desarrollado y en proceso de implementación. Bajo el nuevo standard, las transferencias SEPA son ejecutadas en tiempo real con el fin de incentivar la implementación y adopción de las tecnologías fintech desarrolladas por privados bajo el tutelaje del ECB.

Desde hace aproximadamente diez años, el ECB comenzó a liberalizar el mercado bancario a modo de desconcentrar el monopolio de la banca europea. De esta manera dieron comienzo a las entidades EMI (Electronic Money Institutions). Entidades quasi bancarias, las cuales pueden ofrecer IBANs personales de manera instantánea y emitir tarjetas de pago (en general no debito sino prepagas directamente ligadas a una cuenta personal).


La flexibilización de la banca europea via fintech tiene sus rarezas, la mayoría de las nuevos “bank challengers” usaron frases del tipo “we are not a bank, we are better tan a bank” y similares. Muy cool a los ojos de un millenial rebelde sin embargo el wording es exacto. Una entidad EMI no es un banco, no está siquiera remotamente cerca de serlo. Estas entidades no operan con efectivo, ni en general ofrecen créditos, o inversiones o tasas de interés (mas allá de que la tasa de interés del ECB se encuentra en el área negativa hace años) porque la verdad es que una entidad EMI no está a autorizada a tomar depósitos en Euros.

Cuando decimos “Electronic Money Institution” en realidad debería leerse más como “token”, la gente que usa crypto entenderá de manera más fácil. Al momento del depósito, la entidad mueve nuestros Euros a una cuenta a su nombre en una entidad bancaria real en general en la jurisdicción en la cual está registrada y licenciada aunque esto no es necesario. Los depósitos, a diferencia de un banco, no se pueden ofrecer a modo de prestamos ni se pueden invertir y se deben mantener segregados. Como una especie de cuenta escrow. En el mismo momento, de manera instantánea intercambia 1 for 1 cada euro por un token dentro de su plataforma al que le podemos poner el símbolo y nombre de euro pero al mismo tiempo no lo es. Al momento de efectuar un pago fuera de la plataforma el ejecutor intercambia nuevamente nuestro token por 1 euro cash que se encuentra depositado en la cuenta escrow y lo envía via SEPA o SEPA card hacia un comercio o una persona física/juridica a modo de pago.

Esta pequeña diferencia hace que el statement “we are not a bank” tenga un significado mucho más verosímil en lo legal de lo aparentemente anunciado. Y por esta razón, suelen lidiar con clientes de mayor riesgo que un banco tradicional. A manera de un sandbox monetario.

El problema principal, más allá de la oferta de banca básica y el peligro de que la entidad desaparezca de la noche a la mañana sin dejar rastro. Los depósitos en las EMIs no están cubiertos por el seguiro de depósitos de ninguna jurisdicción ni por el ECB.

En un comienzo, hace unos años uno podía abrir una cuenta en algún país del báltico, recibir una tarjeta MasterCard en Euros y empezar a recibir pagos de manera instantánea luego de un onboarding básico de 5 minutos vía una App. Algunos proveedores inclusive ofrecen una dirección de Bitcoin a la cual, si uno envía BTC, es convertido automáticamente a depósitos en EUR a la cotización del momento del clearing de la transaccion. Suena too good to be true no?

Bueno MasterCard y Visa también pensaron eso. En el 2018 cancelaron todas las tarjetas de los EMIs en Europa y renegociaron las licencias de emisión. Muchos proveedores de servicios financieros nunca emitieron tarjetas nuevamente y se dedicaron solo a cuentas virtuales. Los proveedores que sobrevivieron y encontraron su nicho se vieron en una situación grow or die.

Pero como se puede crecer sin poder ofrecer más servicios bancarios, crypto estaba sufiendo un slump terrible… Ah si, licencias bancarias.

Y así llegamos al presente, donde “we are not a bank” es una falacia y si, ya somos un banco. Tenemos una licencia, aseguramos tus depósitos y podemos ofrecer más servicios bancarios. El passporting de servicios está en toda su gloria, a costo de muchos de nuestros beneficios. La consecuencia principal? Todos los usuarios de riesgo, eliminados. Non-residents? Fuera, Gambling? Fuera, Crypto trading? Fuera…

KYC más estricto(si se lo puede llamar asi), mayor escrutinio de transacciones, CRS, suspensiones de cuentas y otros detalles están a la orden del día.

En la situación actual, siguen existiendo EMIs que hacen menos preguntas al costo de algunos Euros por mes. Donde podemos enviar y recibir fondos de un crypto Exchange o de TransferWise (a contrariedad de BruBank*… EJEM…*) y operar pagos de manera normal. No es un arreglo definitivo pero es de bajo costo y puede servir de “buffer” entre negocios que pueden atraer cierto escrutinio a nuestras cuentas en banco tradicionales.

Obviamente esto es un arma de doble filo y afecta a todos los miembros de la cadena de la misma forma. En mi caso, tuve que hacer un “White listing” luego de un intercambio de emails con soporte, de cuentas en Lithuania en las Crypto Exchanges que uso porque no querían procesar mis depósitos y ponían todas mis transacciones on hold de manera indefinida. La explicación? “Too much fraud from those suppliers”.

Esto dicho, para las instituciones que no son crypto friendly, esto puede ser la salvación. Un depósito de otra cuenta a tu nombre es mejor que un depósito a nombre de Kraken Payward o Bitstamp Limited.

Las licencias bancarias son un gran desarrollo para el mundo fintech europeo, lamentablemente tiene un gran costo a nivel usuario. Hay muchos menos proveedores que ofrezcan servicio a no residentes.

Los riesgos de los EMIs son reales, muchos han desaparecido sin dejar rastro, otros como WorldCore se vieron enrollados en lavado de dinero Ruso y cancelación masiva de sus tarjetas por parte de Visa y MasterCard Europe a punto tal que se vieron obligados a cerrar. WorldCore sigue en venta hoy día. SataBank un banco digital basado en Malta de capitales Bulgaros entro en administración para nunca más reaparecer.

Otros tuvieron que reinventarse o separarse. PayMix se disolvió en dos compañías una para personas físicas y otra para personas legales. Ejemplos de este tipo existen por montones.

Instituciones de interés

Globitex – UK/Lithuania
Licencia: Crypto UK/Wallet EMI Lithuania
Cuentas: Personal/Business
Tarjeta: No.
No residentes: Si.
Detalle: Globitex es un crypto broker el cual simplifica el intercambio de crypto por fiat via el uso de un servicio de wallet (EMI) el cual posee un IBAN personalal y unico a nombre del UBO de la cuenta.
El servicio tiene algunos costos sin embargo es una buena alternativa para ejecutar pagos via SEPA.
En este momento 14 dias de trading sin costo, imagino que las operaciones de la cuenta si tienen costo, sin embargo desde que empezaron a ofrecer el servicio, los cargos por operar se han reducido substancialmente.

MisterTango – Lithuania
Licencia: EMI
Cuentas: Personal/Business
Tarjeta: Temporalmente suspendidas.
No residentes: Si.
Detalle: Las cuentas funcionan, la mía personalmente desde hace más de 2 años. Existe integración a su propia exchange de crypto. Ofrecen servicios para traders de crypto y dirección de BTC con deposito a EUR instantáneo.
Hay que tener en cuenta que la oferta de servicios en el pasado era muy superior. Incluía dirección de BTC, transferencias SWIFT, transferencias SEPA, tarjeta MasterCard Euro, acceso al Exchange, top up de la cuenta via tarjetas de debito/crédito y opción de una API para facturar.
Hoy día está dividido en diferentes segmentos y el pricing varía según el paquete elegido, nacionalidad y residencia.

LeoPay – Bulgaria
Licencia: EMI
Cuentas: Personal/Business con preferencia a Estonian e-residents.
Tarjeta: Si, debito Visa, con condición de dos tarjetas por cuenta o una tarjeta por currency.
No residentes: Si.
Detalle: Originalmente llamado LeuPay registrado en Malta de capitales Bulgaros. Usaban de backend SataBank, así que si leyeron lo anterior entenderán el cambio de nombre de la entidad.
Cuentas multicurrency en EUR, USD, GBP, CHF, RON, HRK, JPY, BGN, PLN, CZK.

Paysera – Lituania
Licencia: EMI
Cuentas: Personal/Business. Es posible obtener más de una cuenta por cliente.
Tarjeta: Si, debito Visa.
No residentes: Si.

PayMix Pro – Malta
Licencia: Institución financiera Maltesa
Cuentas: Business
Tarjeta: Debito
No residentes: Si.

Prospero – Malta
Licencia: Institución financiera Maltesa
Cuentas: Personal
Tarjeta: Debito
No residentes: Si.

Deutsche Handelsbank – Alemania
Licencia: Bancaria propia.
Cuentas: Business. Es posible obtener más de una cuenta por cliente.
Tarjeta: No.
No residentes: Si.
Detalle: Es un pequeño banco alemán que se especializan en cuentas únicamente para personas legales con licencia y backend bancario propio.

N26 – Alemania
Licencia: Bancaria propia.
Cuentas: Personal/Business
Tarjetas: Debito/Crédito
No residentes: No*.
Detalle: No aceptan no-residentes en el Area economía europea, sin embargo si aceptan pasaporte Argentino y cualquier numero de móvil. El requerimiento es una dirección de correo en el Área Económica para recibir la tarjeta. (Chripre no es una opción para la dirección).

Revolut – Lithuania/UK
Licencia: Bancaria propia (UK)
Cuentas: Personal/Business.
Tarjeta: Si, variedad dependiendo del tier.
No residentes: No*
Detalle: Revolut evoluciono desde una licencia de EMI a una entidad con licencia bancaria. Siempre en las noticias por las razones equivocadas, han quedado atrás los días en los que la banca Lituana los decepcionaba. Lamentablemente los reportes de cuentas congeladas persisten y rehabilitarlas puede tardarse meses.
Revoluto ofrece tarjetas con conversión de divisas usando el mid-market rate y sin FX conversion fee. Ofrecen crypto trade (CFDs) y muy recientemente una plataforma de inversiones. Si han leído mi post titulado Banca internacional #02 – United Kingdom, where it all began y repararon en el detalle de que la licencia bancaria es de Reino Unido, si, están en lo correcto. Esta entidad no puede técnicamente aceptar no-residentes si tiene una licencia bancaria ringfenced. Sin embargo, tal como es el caso con varias de alternativas, una dirección de correo dentro de Reino Unido o Europa suele bastarle a los clientes para hacerse de una cuenta.
UPDATE: Recientemente Revolut agrego un setting muy interesante, la cual permite, una vez registrados como clientes cambiar la residencia fiscal. No hay muchos datos con respecto a qué efectos tiene sobre la cuenta más allá de una suspensión quasi instantánea. Sin embargo! Según la jurisdicción de residencia fiscal seleccionada, también nos puede dar como opción “Email us to [[email protected]](mailto:[email protected]) and let’s see what we can do.”

Licencia: Money transfer (UK), EMI (Lithiania)
Cuentas: Personal/Business y Borderless, 4 currencies GBP, EUR, NZD, AUD y condicionalmente USD.
Tarjeta: Si, MasterCard para residentes del Area Economica Europea.
No residentes: Si.
Detalle: Conocido por casi todos hoy día, la aplicación de cabecera para remittances elegida por todos los millenials. No es la mejor sin embargo es la que tiene mejor publicidad y estrategia.
Se sabe que hay clientes quienes han usado datos postales europeos para registrarse y han logrado recibir la tarjeta en condición de no residentes.

Disponibles fuera de sus países de registro en breve

Insha – Alemania con backing de Al Baraka (Turquía)
Detalle: Primer banca islámica digital en Europa. Que esto no los detenga en ver el servicio que ofrecen. Dado los servicios que ofrecen (y la carencia de interés computado en depósitos) es una plataforma idea para banca Islámica.

ToMoRRoW - Alemania
Detalle: Banca alemana sustentable.

Kontist – Alemania
Detalle: Banca digital para pequeños negocios o freelancers con implementación de contabilidad y taxación.


Algunos EMIs solo ofrecen tarjetas. En general son productos sub-prime y consecuentemente los fees son usureros. No voy a entrar en detalle sobre el ofrecimiento de servicios de estos proveedores, pero les dejo algunos por una cuestión de mera curiosidad y cobertura de alternativas.

Nota final
Existen muchos servicios más de tipo pseudo bancario en Europa. Podría publicar un post infinito con 500 URLs y links a cada uno de ellos. Muchos con respaldo de Bancos centenarios y prácticamente todos con requerimiento de residencia en la Unión Europea. Si desean mas información, puedo hacer un post apartado. Pero más allá del landing page, no van a poder utilizar ningún servicio.
Es más fácil abrir una cuenta en un banco normal para no residentes en Europa de manera personal que intentar circunventar la legislación y regulación pertinente a los bancos o EMIs digitales reservados para Europeos.

Token Wallet address BTC 19xvUdQoZosrzYKNaTCK834zRkg5Bogop BCH qqqmyqjspnq0fazk9wvv0elc8vxdp2rkvgfqs3s87x LTC LKNvBgwEtE3w7oEUYiSVb96qCe7xFDBvp8 ETH/DAI 0x1cbbcf2ca8849893ad7feac5ef5c735f6d91fa4e XMR 44AXEt8ZkmjgGuUrPaoNTzBGhp92L3HozSYxAip7dz8qL6A3neJBriLRSjC8Qnam4tEhfw2yXzcXsbZ2dJiWHDC7Ji8nBvx 
submitted by diyexageh to LATAM_PersonalFinance [link] [comments]

TkeyNet: release date, a brief analysis of the system, future plans

TkeyNet: release date, a brief analysis of the system, future plans
During the development of the project, we published 3 documents about the technology that we are developing and preparing for the market. Some decisions were changed, but the main idea and goal remained the same — effective financial management.
Since the ICO boom, several years have passed, blockchain and cryptocurrencies have become synonymous and are perceived only as a means of earning money and the obvious advantages of using the technology itself in combination with others are of little interest to anyone. A user, business representatives, or some government officials associate the word “blockchain” directly with cryptocurrency or Bitcoin, without thinking about using systems built on a distributed registry in the current reality.
As we mentioned above, during the development of the project, several documents were published in which we announced our technology and clearly said that we are mixing modern concepts and approaching the market from an economic and scientific point of view, borrowing the best from Bitcoin, Ethereum, DASH, and other alternative currencies.
It is important to note that the concept of Bitcoin or Monero will be different from the concept of TkeyNet. These are other areas and practical application that some market participants may perceive as similar, but this is far from the case.
“When you innovate, you must be prepared for a prolonged lack of understanding of your actions on the part of your environment. You can do something you believe in, but for a long time, people who only wish you well may criticize your endeavors. When faced with such criticism, ask yourself — Are they right? And if you answer this question positively, accept the criticism and adjust your work accordingly. If the answer is negative, if you are firmly convinced of your rightness, you should prepare for a long defense, defending your positions. This approach is a key component of innovation.” ©
The idea of Bitcoin is beautiful, even if it has not yet been accepted by society as planned, but at least the idea of using Bitcoin as a means of accumulating value and storing savings has a place to be. Bitcoin actively strives for a high price mark and dominates the market by more than 50%, and this is a great result. Bitcoin set the necessary vector for many developers around the world, people were able to review the systems used and make their own decisions based on the Bitcoin core, for example, DASH or Ethereum, and users, in turn, learned about such a phenomenon as cryptocurrency.
In General, what was this introduction for? That TKEY should be considered as a universal asset, without defining it as a cryptocurrency. The question may immediately arise, why is this so? It doesn’t have explicit currency properties? Bitcoin also does not have the properties of cash but is called a cryptocurrency, and the types of applications of the peer-to-peer payment system Bitcoin and TkeyNet can differ significantly from each other.
The purpose of this publication is to tell you about the new features of TkeyNet, when the official transition to the new Protocol will take place, and why TKEY is a universal asset that simply needs liquidity? In General, we will talk about the clear advantages of switching to new technologies that we have been striving for so long and about your benefits of using them accordingly.

What is TkeyNet, and what are its advantages?

TkeyNet is an infrastructure that combines various solutions for users, businesses, and the public sector. Secure corporate networks, payment processors, liquidity, cross-border payments, trading tools, information security, instant exchanges, investment tools. One platform — millions of opportunities.
When creating TkeyNet, we immediately turned to e-cash protocols, concepts of electronic currencies, considered the movements of Bank international transfers, and also drew attention to the obvious complexity of these systems. Therefore, to build a high-quality architecture of TkeyNet, the team took as a basis — blockchain technology, cryptography, payment and banking system, electronic cash protocols, exchanges, stock markets, DHT, and other p2p networks.
Now more than ever, businesses, users, and most financial market participants need reliable and modern systems that will meet the needs of the market.
For example, a user wants to quickly send funds to another user, and they do not want to think about how the blockchain works and who the “miners” are and what they do for the network. Any of us want to open the app and click a few buttons on the screen to pay for a particular service or send money to relatives abroad and the most importantly, know that the funds will reach you quickly and with a minimum Commission. Or let’s say you came to India, you have some funds in Bitcoin, but you would like to pay for your purchases in the local currency — the Indian rupee without extra conversions.
You are the owner of a payment system or Bank, and you want to receive % for conversion transactions, or banks want to create their consortium for cross-border payments. Either you are an entrepreneur and plan to open an exchange or trading platform for trading various assets, not necessarily digital, but, for example, gold and diamonds, or you are a young and purposeful startup team and want to quickly launch your Digital Bank, or you do not want to do business, and you have several million euros or dollars, you want to get % of their use.
TkeyNet makes these features available to all participants.
As we can see with you, there are quite a lot of use cases, and it may seem that TKEY is again torn into 100500 different directions, but this is far from the case. Here, a specific and clear direction is Finance and its movement.

How TkeyNet works

Remember, we said that — “to develop the platform on a global level, it is necessary to reach a consensus between government regulation, business, and society. We understand that it is impossible to achieve 100% of this, but it is possible to create favorable conditions favorable to all parties.”
How will the system work? All participants are connected to the system using TkeyNet technology that allows the financial gateway to control their transactions with increased speed, transparency, and efficiency. Independent verification servers constantly compare their transaction records. To hack the system, you will need to get access to all the devices that are logged in.
TkeyNet solutions offer a cryptographically secure, end-to-end payment flow with the immutability of transactions and redundancy of information contained in them. It is developed to meet each financial gateway’s risk, privacy, and compliance requirements. Since the software is developed to be easily integrated into the existing financial infrastructure, it minimizes any integration costs and failures, and also meets international standards (ISO, etc.).

TkeyNet can be a neutral utility for financial institutions and systems

A gateway is an organization that allows users to invest money and take money out of a pool of liquidity. The gateway accepts currency deposits from users and issues balances to the TkeyNet blockchain.
TkeyNet Protocol provides a single source of truth for counterparties while maintaining the confidentiality of payment data of Bank clients.
TKEY is a universal bill (digital obligation) in the distributed registry TkeyNet.
Gateways install specialized software for interacting with the distributed registry and other system participants. Users, brokers, and other participants interact with the system via mobile or web interfaces. Gateways act as a link between the distributed registry, brokers, users, and other services that allow you to make quick transactions.
The participants of the system make payments between themselves by using cryptographically signed transactions denominated in digital obligation. This type of transaction uses an internal registry.
In the case of working with Fiat currency and other assets, such as securities and precious metals, the registry records the amounts owed with assets presented as debt obligations. All accounts and transactions are cryptographically secure and verified algorithmically. Payments can only be authorized by the account holder, and all payments are processed automatically, without any third parties or intermediaries. The TkeyNet Protocol checks balances and accounts inside the system for transferring payments and sends payment notifications with minimal delay, which ensures fast calculations in the system.
For more specialized solutions can be created by the Central gateways and the gateways just. A Central gateway is an organization that allows users to invest money and take money out of the liquidity pool. Gateway is an organization that interacts with the Central gateway. Accepts and exchanges digital liabilities for other assets, such as securities.
TkeyNet globally reduces the number of different expenses and automates operational tasks, simplifies and reduces the cost of conducting monetary transactions, and improves traditional financial services.
We understand that it is not easy to tell all the principles of the TkeyNet system in a single publication, especially one that deals with neither one nor two issues. Therefore, you should consider this material as a basis, a base that will help you learn the information that is related to the TkeyNet Protocol most easily after the release of TkeyNet.
Moving a little away from corporate solutions, we suggest you recall some theses from our roadmap, which was published on the official website in the period from September 2018 to November 2019:
“The introduction of the exchanger in web wallets and the app will allow users to send money in one currency, and the recipient will receive it in another currency. For example, a user can buy Tkeycoin for dollars and exchange it for euros or Bitcoin or Ethereum at the current exchange rate.This functionality provides full control of funds through a single trusted and most secure source. Users no longer need to create multiple accounts on third-party resources to make an exchange into a particular currency.With the development of the network, it is possible to implement a multi-exchange that works on the principle of a payment bridge, when the user sends funds to Tkeycoin, and the recipient chooses the receiving currency, let’s say Litecoin, the funds are automatically converted” ©
We wrote above that TKEY can in principle be used as a universal asset, acting as a digital obligation or an asset as an exchange. By the way, references to this were also published on the official website — In simple words, using one of our web interfaces, you can access TKEYRUB or TKEYUSD or any other asset, such as TKEYGOLD.
TKEYUSD, TKEYRUB, and TKEYGOLD are symbols and can be called differently in the system, for example, TKUSD or GOLDTKEY, so now they should be considered as an example.

Why is TKEY a universal asset?

As before, you can easily and quickly send TKEY to any member of the network and TKEY will have liquidity on the exchange also, TKEY allows you to fast exchange for euros, dollars, or other currencies.
For the interface, the applications will display functions of digital assets 1:1 to a particular currency, for example, TKEY to RUB, TKey to EUR, or TKEY to Dirhams or TKEY to the pound and vice versa, respectively.
Therefore, as we said above, TKEY should not be regarded as a cryptocurrency, it is a universal unit inside the system TkeyNet, which may refer to transaction information as exchanges of obligations between banks and transaction TKEY -> TKEY between users, or to carry information about the exchange on the exchange or the exchange of digital assets or gold variations quite a lot, for most of the functions we describe in the release day TkeyNet.

What are the advantages for companies and developers?

First of all, we strive to open the doors for all platform participants. Only through synergy and cooperation can we accelerate the pace of development of the entire system and the introduction of new technologies in the market.
The platform will open doors for developers, who in turn can create technological solutions based on TkeyNet. A working environment will be created, and integration with the TkeyNet platform will be as easy as with the documented SDK or plug-ins. In the course of development, API documentation and ready-made SDKs for developers will be published.
This will make it easy to use and implement TkeyNet technology in various types of applications, for example, you want to create fast exchanges, we provide you with a framework, back-end, and API, and you create a front-end and launch your service, get your Commission, and are an independent project in the market. An important point is that integration into the existing infrastructure takes place while maintaining the decentralization of the TkeyNet system so that all its internal and external operations remain confidential and verified at the same time.

What are the advantages for users?

This means getting a universal tool for working with financial markets and easily converting an asset into any other asset: euro, dollars, or gold.
Also, TKEY owners should clearly understand that the more the system develops and there are more participants, namely the corporate segment, projects, and partners, the company will be more stable and thus the project assets will grow stronger.
The popularity of the platform and trust in it directly affects the price of assets, these are the key points of growth signs, the wider and more influential the spread of the company in various areas, the higher its performance in the market.

When will the long-awaited transition to TkeyNet take place?

What changes will be made to the products?

As you understand, everything will change, and this is for the better. At a minimum, products will become faster, lighter, safer, and more versatile.
Changes and new releases will be released as soon as they are ready. In TkeySpace, the TKEY libraries will be rewritten under TkeyNet. A web version of the wallet will appear, and eventually, an application with an exchange interface will be released for quick trading and exchange of various assets, not limited to digital ones. The Tkey Messenger will be adapted for TkeyNet and will be released for previously announced platforms: iOS, Android, Linux, macOS, Windows immediately with the ability to translate directly in the messenger. We will tell you about the messenger architecture on the release day.
All changes and releases will be published and announced after the release of TkeyNet.

What is radically new in TkeyNet?

There will be funds, the Protocol will become much more universal, as well as the TKEY itself. The Protocol will also exclude the possibility of attacks that could have been in Core 1.0, also, the principles of the platform will change. We will publish all technical specifications on the day of release.

Timeline for switching to TkeyNet

The transition to TkeyNet will not take place until August 2020. We will release news and instructions for switching to TkeyNet, so we recommend that you subscribe to the newsletter immediately:

Listing on crypto exchanges

The liquidity of the TKEY asset is urgently needed for the development of the entire TkeyNet system, so the company will provide trading platforms for TKey trading and exchange.


The introduction of technologies using digital currencies will create the fastest transition of users and the corporate market to a new level.
FinTech direction makes it possible to manage finances in the most efficient and secure way, without violating the law. This system simplifies, reduces the cost of conducting monetary transactions, and actually improves traditional financial services.
The solution is interesting to everyone who works with money and is used to getting maximum efficiency from it: business, investors, traders, users of banking solutions, the corporate segment, etc. When using the system, large businesses get solutions for interacting with customers online, without using specialized points.
We, in turn, are open to various offers and cooperation on flexible terms. If you have any suggestions or interesting concepts, please contact us at [[email protected]](mailto:[email protected]).
submitted by tkeycoin to Tkeycoin_Official [link] [comments]

We are open!

We are open!
Neuron Wallet is a multi-currency system with which customers can make deposits, exchange and complete transactions with cryptocurrencies and fiat funds.
Key parameters of NeuronWallet:
  • Conversion between cryptocurrencies;
  • Trade on the NeuronEx P2P exchange directly from your Neuron Wallet;
  • Conversion from/into fiat money;
  • Transparent cross-border remittance;
  • Guaranteed security (two-factor authentication, multisig and seed-phrases);
  • Anonymity (user data is never stored on the company’s servers);
  • Debit/credit cards support: access to balance information, making transfers, security settings, issuance of new cards;
  • Simplified process of depositing and withdrawing currencies;
  • Crypto API (integration with third-party services, a ready-made solution for online stores, services and portals that need to introduce cryptocurrency transactions);
  • Use your cryptocurrencies to make everyday purchases with a bank card linked to your Neuron Wallet
Well, the benefits are more than substantial - you could just try it to compare with different wallets! Write your opinion in the comments! :)
Neuron Wallet Lauch will be soooon - just in 4 weeks! Stay tuned!
#Finance #cryptocurrency #blockchain#bitcoin #CryptoNeuroNews#NeuronInteresting #crypto #NeuronChain
submitted by neuronchain to NeuronChain [link] [comments]

NeuronChain is a fourth-generation decentralized blockchain system and an independent financial network.

NeuronChain is a fourth-generation decentralized blockchain system and an independent financial network.
NeuronChain is a fourth-generation decentralized blockchain system and an independent financial network. NeuronChain is a lightning-fast financial ecosystem with a vision to build a tomorrow’s financial system by creating a borderless world by cutting out intermediaries and providing access to billions of people underserved by the current financial system:
1️⃣ #NeuronEx is a P2P Exchange that connects crypto and fiat worlds. It allows to buy, sell or exchange Bitcoin, Ethereum and other cryptocurrencies easily and safely with more than 200 Payment Methods. Moreover, you can increase your trading income by becoming an Agent of NeuronChain.
2️⃣ The Neuron Wallet is a decentralized multi-currency wallet , which enables a customer to deposit, exchange and transact with various cryptocurrencies and with fiat funds through embedded fiat cards (in nearest future). The first version of the decentralized app will have the following parameters:
- BIP 44, BIP 47;
- crypto portfolio statistic;
- SegWit support;
- conversion between cryptocurrencies;
- embedded exchange;
- guaranteed security and anonymity;
- simplified process of depositing and withdrawing currencies;
- Crypto API for integration with third-party services.
Coming soon update version will have:
- conversion from/into fiat money;
- transparent cross-border remittance;
- debit/credit card support.
3️⃣ Agent Network. NeuronChain has a wide and constantly developing partner network. Agents are everyday people or businesses providing fiat liquidity to the network, in exchange for a commission. The option to connect Agents and clients through the NeuronChain network, requires no cash deposit or pickup points that need to be arranged within the platform. Agent Network allows users to exchange any amount of crypto or fiat money immediately by connecting them to one of the NeuronEX Agents.
#CryptoNeuroNews #NeuronChain #NeuronInteresting #Finance#crypto #bitcoin #cryptocurrency #blockchain
submitted by neuronchain to u/neuronchain [link] [comments]

A made a Cryptocurrency tracking spreadsheet complete with live crypto price updates, moon math, and a full history of your Portfolio and trading performance (fixed).

A made a Cryptocurrency tracking spreadsheet complete with live crypto price updates, moon math, and a full history of your Portfolio and trading performance (fixed).
I have posted this previously however since then coinmarketcap have changed their api. This version has a workaround for that - with the downside that it takes much longer to fetch price data. You will need to be patient when opening the file and when you press the price refresh button.
This is a spreadsheet that I have developed for myself gradually over the last couple years. I have found it very helpful for keeping track of my bitcoin holdings (great for tax purposes). No need to trust third party apps to keep your personal information - track it yourself.
There is a lot in here including;
Automatically updates prices from coinmarketcap. The top 200 coins included. Just select which ones you want to track by typing in the name.
You can even choose your local Fiat currency and get live conversion rates for any country.
You don't need to record details of every trade. Just keep track of your crypto purchases (from fiat) and what coins you currently hold. The spreadsheet will calculate the rest and keep a record of how your portfolio and holdings have changed over time (it logs this data every time you save the sheet)
I find this very handy to see if your trading is actually profitable compared to the HODL method.
Oh yes and there are plenty of 'moon math' and analytics to see how bitcoin is trending. This includes a full history of bitcoins price which updates every time you open the sheet.
This version has some bug fixes and a few new features including a 'Stock to flow' price prediction model;
free download from here. Instructions inside. You will need macros enabled if you want it to do the fancy stuff.
Let me know if you have any issues.
Edit: there seems to be a problem where there is a link to an old version of the spreadhseet. to fix; Open the workbook and go to Data>edit links
Then press 'change source' and select the same excel sheet that you have open (wherever you have it saved locally).
submitted by Fly115 to CryptoCurrency [link] [comments]

A made a Bitcoin tracking spreadsheet complete with live crypto price updates, moon math, and a full history of your Portfolio and trading performance (fixed).

A made a Bitcoin tracking spreadsheet complete with live crypto price updates, moon math, and a full history of your Portfolio and trading performance (fixed).
I have posted this previously however since then coinmarketcap have changed their api. This version has a workaround for that - with the downside that it takes much longer to fetch price data. You will need to be patient when opening the file and when you press the price refresh button.
This is a spreadsheet that I have developed for myself gradually over the last couple years. I have found it very helpful for keeping track of my bitcoin holdings (great for tax purposes). No need to trust third party apps to keep your personal information - track it yourself.
There is a lot in here including;
Automatically updates prices from coinmarketcap. The top 200 coins included. Just select which ones you want to track by typing in the name.
You can even choose your local Fiat currency and get live conversion rates for any country.
No need to record details of every trade. Just keep track of your crypto purchases (from fiat) and what coins you currently hold. The spreadsheet will calculate the rest and keep a record of how your portfolio and holdings have changed over time (it logs this data every time you save the sheet)
I find this very handy to see if your trading is actually profitable compared to the HODL method.
There are plenty of 'moon math' and analytics to see how bitcoin is trending. This includes a full history of bitcoins price which updates every time you open the sheet.
This version has some bug fixes and a few new features including a 'Stock to flow' price prediction model;
free download from below. Instructions inside. You will need macros enabled if you want it to do the fancy stuff
Edit: there seems to be a problem where there is a link to an old version of the spreadhseet. to fix; Open the workbook and go to Data>edit links
Then press 'change source' and select the same excel sheet that you have open (wherever you have it saved locally).
submitted by Fly115 to Bitcoin [link] [comments]

DFINITY Research Report

DFINITY Research Report
Author: Gamals Ahmed, CoinEx Business Ambassador
The DFINITY blockchain computer provides a secure, performant and flexible consensus mechanism. At its core, DFINITY contains a decentralized randomness beacon, which acts as a verifiable random function (VRF) that produces a stream of outputs over time. The novel technique behind the beacon relies on the existence of a unique-deterministic, non-interactive, DKG-friendly threshold signatures scheme. The only known examples of such a scheme are pairing-based and derived from BLS.
The DFINITY blockchain is layered on top of the DFINITY beacon and uses the beacon as its source of randomness for leader selection and leader ranking. A “weight” is attributed to a chain based on the ranks of the leaders who propose the blocks in the chain, and that weight is used to select between competing chains. The DFINITY blockchain is layered on top of the DFINITY beacon and uses the beacon as its source of randomness for leader selection and leader ranking blockchain is further hardened by a notarization process which dramatically improves the time to finality and eliminates the nothing-at-stake and selfish mining attacks.
DFINITY consensus algorithm is made to scale through continuous quorum selections driven by the random beacon. In practice, DFINITY achieves block times of a few seconds and transaction finality after only two confirmations. The system gracefully handles temporary losses of network synchrony including network splits, while it is provably secure under synchrony.


DFINITY is building a new kind of public decentralized cloud computing resource. The company’s platform uses blockchain technology which is aimed at building a new kind of public decentralized cloud computing resource with unlimited capacity, performance and algorithmic governance shared by the world, with the capability to power autonomous self-updating software systems, enabling organizations to design and deploy custom-tailored cloud computing projects, thereby reducing enterprise IT system costs by 90%.
DFINITY aims to explore new territory and prove that the blockchain opportunity is far broader and deeper than anyone has hitherto realized, unlocking the opportunity with powerful new crypto.
Although a standalone project, DFINITY is not maximalist minded and is a great supporter of Ethereum.
The DFINITY blockchain computer provides a secure, performant and flexible consensus mechanism. At its core, DFINITY contains a decentralized randomness beacon, which acts as a verifiable random function (VRF) that produces a stream of outputs over time. The novel technique behind the beacon relies on the existence of a unique-deterministic, non-interactive, DKG-friendly threshold signatures scheme. The only known examples of such a scheme are pairing-based and derived from BLS.
DFINITY’s consensus mechanism has four layers: notary (provides fast finality guarantees to clients and external observers), blockchain (builds a blockchain from validated transactions via the Probabilistic Slot Protocol driven by the random beacon), random beacon (provides the source of randomness for all higher layers like smart contract applications), and identity (provides a registry of all clients).
DFINITY’s consensus mechanism has four layers

Figure1: DFINITY’s consensus mechanism layers
1. Identity layer:
Active participants in the DFINITY Network are called clients. Where clients are registered with permanent identities under a pseudonym. Moreover, DFINITY supports open membership by providing a protocol for registering new clients by depositing a stake with an insurance period. This is the responsibility of the first layer.
2. Random Beacon layer:
Provides the source of randomness (VRF) for all higher layers including ap- plications (smart contracts). The random beacon in the second layer is an unbiasable, verifiable random function (VRF) that is produced jointly by registered clients. Each random output of the VRF is unpredictable by anyone until just before it becomes avail- able to everyone. This is a key technology of the DFINITY system, which relies on a threshold signature scheme with the properties of uniqueness and non-interactivity.
3. Blockchain layer:
The third layer deploys the “probabilistic slot protocol” (PSP). This protocol ranks the clients for each height of the chain, in an order that is derived determin- istically from the unbiased output of the random beacon for that height. A weight is then assigned to block proposals based on the proposer’s rank such that blocks from clients at the top of the list receive a higher weight. Forks are resolved by giving favor to the “heaviest” chain in terms of accumulated block weight — quite sim- ilar to how traditional proof-of-work consensus is based on the highest accumulated amount of work.
The first advantage of the PSP protocol is that the ranking is available instantaneously, which allows for a predictable, constant block time. The second advantage is that there is always a single highest-ranked client, which allows for a homogenous network bandwidth utilization. Instead, a race between clients would favor a usage in bursts.
4. Notarization layer:
Provides fast finality guarantees to clients and external observers. DFINITY deploys the novel technique of block notarization in its fourth layer to speed up finality. A notarization is a threshold signature under a block created jointly by registered clients. Only notarized blocks can be included in a chain. Of all RSA-based alternatives exist but suffer from an impracticality of setting up the thresh- old keys without a trusted dealer.
DFINITY achieves its high speed and short block times exactly because notarization is not full consensus.
DFINITY does not suffer from selfish mining attack or a problem nothing at stake because the authentication step is impossible for the opponent to build and maintain a series of linked and trusted blocks in secret.
DFINITY’s consensus is designed to operate on a network of millions of clients. To en- able scalability to this extent, the random beacon and notarization protocols are designed such as that they can be safely and efficiently delegated to a committee


DFINITY is a blockchain-based cloud-computing project that aims to develop an open, public network, referred to as the “internet computer,” to host the next generation of software and data. and it is a decentralized and non-proprietary network to run the next generation of mega-applications. It dubbed this public network “Cloud 3.0”.
DFINITY is a third generation virtual blockchain network that sets out to function as an “intelligent decentralised cloud,”¹ strongly focused on delivering a viable corporate cloud solution. The DFINITY project is overseen, supported and promoted by DFINITY Stiftung a not-for-profit foundation based in Zug, Switzerland.
DFINITY is a decentralized network design whose protocols generate a reliable “virtual blockchain computer” running on top of a peer-to-peer network upon which software can be installed and can operate in the tamperproof mode of smart contracts.
DFINITY introduces algorithmic governance in the form of a “Blockchain Nervous System” that can protect users from attacks and help restart broken systems, dynamically optimize network security and efficiency, upgrade the protocol and mitigate misuse of the platform, for example by those wishing to run illegal or immoral systems.
DFINITY is an Ethereum-compatible smart contract platform that is implementing some revolutionary ideas to address blockchain performance, scaling, and governance. Whereas
DFINITY could pose a credible threat to Ethereum’s extinction, the project is pursuing a coevolutionary strategy by contributing funding and effort to Ethereum projects and freely offering their technology to Ethereum for adoption. DFINITY has labeled itself Ethereum’s “crazy sister” to express it’s close genetic resemblance to Ethereum, differentiated by its obsession with performance and neuron-inspired governance model.
Dfinity raised $61 million from Andreesen Horowitz and Polychain Capital in a February 2018 funding round. At the time, Dfinity said it wanted to create an “internet computer” to cut the costs of running cloud-based business applications. A further $102 million funding round in August 2018 brought the project’s total funding to $195 million.
In May 2018, Dfinity announced plans to distribute around $35 million worth of Dfinity tokens in an airdrop. It was part of the company’s plan to create a “Cloud 3.0.” Because of regulatory concerns, none of the tokens went to US residents.
DFINITY be broadening and strengthening the EVM ecosystem by giving applications a choice of platforms with different characteristics. However, if DFINITY succeeds in delivering a fully EVM-compatible smart contract platform with higher transaction throughput, faster confirmation times, and governance mechanisms that can resolve public disputes without causing community splits, then it will represent a clearly superior choice for deploying new applications and, as its network effects grow, an attractive place to bring existing ones. Of course the challenge for DFINITY will be to deliver on these promises while meeting the security demands of a public chain with significant value at risk.


  • DFINITY aims to explore new blockchain territory related to the original goals of the Ethereum project and is sometimes considered “Ethereum’s crazy sister.”
  • DFINITY is developing blockchain-based infrastructure to support a new style of the internet (akin to Ethereum’s “World Computer”), one in which the internet itself will support software applications and data rather than various cloud hosting providers.
  • The project suggests this reinvented software platform can simplify the development of new software systems, reduce the human capital needed to maintain and secure data, and preserve user data privacy.
  • Dfinity aims to reduce the costs of cloud services by creating a decentralized “internet computer” which may launch in 2020
  • Dfinity claims transactions on its network are finalized in 3–5 seconds, compared to 1 hour for Bitcoin and 10 minutes for Ethereum.


DFINITY’s vision is its new internet infrastructure can support a wide variety of end-user and enterprise applications. Social media, messaging, search, storage, and peer-to-peer Internet interactions are all examples of functionalities that DFINITY plans to host atop its public Web 3.0 cloud-like computing resource. In order to provide the transaction and data capacity necessary to support this ambitious vision, DFINITY features a unique consensus model (dubbed Threshold Relay) and algorithmic governance via its Blockchain Nervous System (BNS) — sometimes also referred to as the Network Nervous System or NNS.


The DFINITY community brings people and organizations together to learn and collaborate on products that help steward the next-generation of internet software and services. The Internet Computer allows developers to take on the monopolization of the internet, and return the internet back to its free and open roots. We’re committed to connecting those who believe the same through our events, content, and discussions.

1.3 DFINITY ROADMAP (TIMELINE) February 15, 2017

February 15, 2017
Ethereum based community seed round raises 4M Swiss francs (CHF)
The DFINITY Stiftung, a not-for-profit foundation entity based in Zug, Switzerland, raised the round. The foundation held $10M of assets as of April 2017.
February 8, 2018
Dfinity announces a $61M fundraising round led by Polychain Capital and Andreessen Horowitz
The round $61M round led by Polychain Capital and Andreessen Horowitz, along with an DFINITY Ecosystem Venture Fund which will be used to support projects developing on the DFINITY platform, and an Ethereum based raise in 2017 brings the total funding for the project over $100 million. This is the first cryptocurrency token that Andressen Horowitz has invested in, led by Chris Dixon.
August 2018
Dfinity raises a $102,000,000 venture round from Multicoin Capital, Village Global, Aspect Ventures, Andreessen Horowitz, Polychain Capital, Scalar Capital, Amino Capital and SV Angel.
January 23, 2020
Dfinity launches an open source platform aimed at the social networking giants


Dfinity is building what it calls the internet computer, a decentralized technology spread across a network of independent data centers that allows software to run anywhere on the internet rather than in server farms that are increasingly controlled by large firms, such as Amazon Web Services or Google Cloud. This week Dfinity is releasing its software to third-party developers, who it hopes will start making the internet computer’s killer apps. It is planning a public release later this year.
At its core, the DFINITY consensus mechanism is a variation of the Proof of Stake (PoS) model, but offers an alternative to traditional Proof of Work (PoW) and delegated PoS (dPoS) networks. Threshold Relay intends to strike a balance between inefficiencies of decentralized PoW blockchains (generally characterized by slow block times) and the less robust game theory involved in vote delegation (as seen in dPoS blockchains). In DFINITY, a committee of “miners” is randomly selected to add a new block to the chain. An individual miner’s probability of being elected to the committee proposing and computing the next block (or blocks) is proportional to the number of dfinities the miner has staked on the network. Further, a “weight” is attributed to a DFINITY chain based on the ranks of the miners who propose blocks in the chain, and that weight is used to choose between competing chains (i.e. resolve chain forks).
A decentralized random beacon manages the random selection process of temporary block producers. This beacon is a Variable Random Function (VRF), which is a pseudo-random function that provides publicly verifiable proofs of its outputs’ correctness. A core component of the random beacon is the use of Boneh-Lynn-Shacham (BLS) signatures. By leveraging the BLS signature scheme, the DFINITY protocol ensures no actor in the network can determine the outcome of the next random assignment.
Dfinity is introducing a new standard, which it calls the internet computer protocol (ICP). These new rules let developers move software around the internet as well as data. All software needs computers to run on, but with ICP the computers could be anywhere. Instead of running on a dedicated server in Google Cloud, for example, the software would have no fixed physical address, moving between servers owned by independent data centers around the world. “Conceptually, it’s kind of running everywhere,” says Dfinity engineering manager Stanley Jones.
DFINITY also features a native programming language, called ActorScript (name may be subject to change), and a virtual machine for smart contract creation and execution. The new smart contract language is intended to simplify the management of application state for programmers via an orthogonal persistence environment (which means active programs are
not required to retrieve or save their state). All ActorScript contracts are eventually compiled down to WebAssembly instructions so the DFINITY virtual machine layer can execute the logic of applications running on the network. The advantage of using the WebAssembly standard is that all major browsers support it and a variety of programming languages can compile down to Wasm (not just ActorScript).
Dfinity is moving fast. Recently, Dfinity showed off a TikTok clone called CanCan. In January it demoed a LinkedIn-alike called LinkedUp. Neither app is being made public, but they make a convincing case that apps made for the internet computer can rival the real things.


The DFINITY cloud has two core applications:
  1. Enabling the re-engineering of business: DFINITY ambitiously aims to facilitate the re-engineering of mass-market services (such as Web Search, Ridesharing Services, Messaging Services, Social Media, Supply Chain, etc) into open source businesses that leverage autonomous software and decentralised governance systems to operate and update themselves more efficiently.
  2. Enable the re-engineering of enterprise IT systems to reduce costs: DFINITY seeks to re-engineer enterprise IT systems to take advantage of the unique properties that blockchain computer networks provide.
At present, computation on blockchain-based computer networks is far more expensive than traditional, centralised solutions (Amazon Web Services, Microsoft Azure, Google Cloud Platform, etc). Despite increasing computational cost, DFINITY intends to lower net costs “by 90% or more” through reducing the human capital cost associated with sustaining and supporting these services.
Whilst conceptually similar to Ethereum, DFINITY employs original and new cryptography methods and protocols (crypto:3) at the network level, in concert with AI and network-fuelled systemic governance (Blockchain Nervous System — BNS) to facilitate Corporate adoption.
DFINITY recognises that different users value different properties and sees itself as more of a fully compatible extension of the Ethereum ecosystem rather than a competitor of the Ethereum network.
In the future, DFINITY hopes that much of their “new crypto might be used within the Ethereum network and are also working hard on shared technology components.”
As the DFINITY project develops over time, the DFINITY Stiftung foundation intends to steadily increase the BNS’ decision-making responsibilities over time, eventually resulting in the dissolution of its own involvement entirely, once the BNS is sufficiently sophisticated.
DFINITY consensus mechanism is a heavily optimized proof of stake (PoS) model. It places a strong emphasis on transaction finality through implementing a Threshold Relay technique in conjunction with the BLS signature scheme and a notarization method to address many of the problems associated with PoS consensus.


As a public cloud computing resource, DFINITY targets business applications by substantially reducing cloud computing costs for IT systems. They aim to achieve this with a highly scalable and powerful network with potentially unlimited capacity. The DFINITY platform is chalk full of innovative designs and features like their Blockchain Nervous System (BNS) for algorithmic governance.
One of the primary components of the platform is its novel Threshold Relay Consensus model from which randomness is produced, driving the other systems that the network depends on to operate effectively. The consensus system was first designed for a permissioned participation model but can be paired with any method of Sybil resistance for an open participation model.
“The Threshold Relay is the mechanism by which Dfinity randomly samples replicas into groups, sets the groups (committees) up for threshold operation, chooses the current committee, and relays from one committee to the next is called the threshold relay.”
Threshold Relay consists of four layers (As mentioned previously):
  1. Notary layer, which provides fast finality guarantees to clients and external observers and eliminates nothing-at-stake and selfish mining attacks, providing Sybil attack resistance.
  2. Blockchain layer that builds a blockchain from validated transactions via the Probabilistic Slot Protocol driven by the random beacon.
  3. Random beacon, which as previously covered, provides the source of randomness for all higher layers like the blockchain layer smart contract applications.
  4. Identity layer that provides a registry of all clients.


Threshold Relay produces an endogenous random beacon, and each new value defines random group(s) of clients that may independently try and form into a “threshold group”. The composition of each group is entirely random such that they can intersect and clients can be presented in multiple groups. In DFINITY, each group is comprised of 400 members. When a group is defined, the members attempt to set up a BLS threshold signature system using a distributed key generation protocol. If they are successful within some fixed number of blocks, they then register the public key (“identity”) created for their group on the global blockchain using a special transaction, such that it will become part of the set of active groups in a following “epoch”. The network begins at “genesis” with some number of predefined groups, one of which is nominated to create a signature on some default value. Such signatures are random values — if they were not then the group’s signatures on messages would be predictable and the threshold signature system insecure — and each random value produced thus is used to select a random successor group. This next group then signs the previous random value to produce a new random value and select another group, relaying between groups ad infinitum and producing a sequence of random values.
In a cryptographic threshold signature system a group can produce a signature on a message upon the cooperation of some minimum threshold of its members, which is set to 51% in the DFINITY network. To produce the threshold signature, group members sign the message
individually (here the preceding group’s threshold signature) creating individual “signature shares” that are then broadcast to other group members. The group threshold signature can be constructed upon combination of a sufficient threshold of signature shares. So for example, if the group size is 400, if the threshold is set at 201 any client that collects that many shares will be able to construct the group’s signature on the message. Other group members can validate each signature share, and any client using the group’s public key can validate the single group threshold signature produced by combining them. The magic of the BLS scheme is that it is “unique and deterministic” meaning that from whatever subset of group members the required number of signature shares are collected, the single threshold signature created is always the same and only a single correct value is possible.
Consequently, the sequence of random values produced is entirely deterministic and unmanipulable, and signatures generated by relaying between groups produces a Verifiable Random Function, or VRF. Although the sequence of random values is pre-determined given some set of participating groups, each new random value can only be produced upon the minimal agreement of a threshold of the current group. Conversely, in order for relaying to stall because a random number was not produced, the number of correct processes must be below the threshold. Thresholds are configured so that this is extremely unlikely. For example, if the group size is set to 400, and the threshold is 201, 200 or more of the processes must become faulty to prevent production. If there are 10,000 processes in the network, of which 3,000 are faulty, the probability this will occur is less than 10e-17.


The DFINITY blockchain also supports a native token, called dfinities (DFN), which perform multiple roles within the network, including:
  1. Fuel for deploying and running smart contracts.
  2. Security deposits (i.e. staking) that enable participation in the BNS governance system.
  3. Security deposits that allow client software or private DFINITY cloud networks to connect to the public network.
Although dfinities will end up being assigned a value by the market, the DFINITY team does not intend for DFN to act as a currency. Instead, the project has envisioned PHI, a “next-generation” crypto-fiat scheme, to act as a stable medium of exchange within the DFINITY ecosystem.
Neuron operators can earn Dfinities by participating in network-wide votes, which could be concerning protocol upgrades, a new economic policy, etc. DFN rewards for participating in the governance system are proportional to the number of tokens staked inside a neuron.


DFINITY is constantly developing with a structure that separates consensus, validation, and storage into separate layers. The storage layer is divided into multiple strings, each of which is responsible for processing transactions that occur in the fragment state. The verification layer is responsible for combining hashes of all fragments in a Merkle-like structure that results in a global state fractionation that is stored in blocks in the top-level chain.


The single most important aspect of the user experience is certainly the time required before a transaction becomes final. This is not solved by a short block time alone — Dfinity’s team also had to reduce the number of confirmations required to a small constant. DFINITY moreover had to provide a provably secure proof-of-stake algorithm that scales to millions of active participants without compromising any bit on decentralization.
Dfinity soon realized that the key to scalability lay in having an unmanipulable source of randomness available. Hence they built a scalable decentralized random beacon, based on what they call the Threshold Relay technique, right into the foundation of the protocol. This strong foundation drives a scalable and fast consensus layer: On top of the beacon runs a blockchain which utilizes notarization by threshold groups to achieve near-instant finality. Details can be found in the overview paper that we are releasing today.
The roots of the DFINITY consensus mechanism date back to 2014 when thair Chief Scientist, Dominic Williams, started to look for more efficient ways to drive large consensus networks. Since then, much research has gone into the protocol and it took several iterations to reach its current design.
For any practical consensus system the difficulty lies in navigating the tight terrain that one is given between the boundaries imposed by theoretical impossibility-results and practical performance limitations.
The first key milestone was the novel Threshold Relay technique for decentralized, deterministic randomness, which is made possible by certain unique characteristics of the BLS signature system. The next breakthrough was the notarization technique, which allows DFINITY consensus to solve the traditional problems that come with proof-of-stake systems. Getting the security proofs sound was the final step before publication.
DFINITY consensus has made the proper trade-offs between the practical side (realistic threat models and security assumptions) and the theoretical side (provable security). Out came a flexible, tunable algorithm, which we expect will establish itself as the best performing proof-of-stake algorithm. In particular, having the built-in random beacon will prove to be indispensable when building out sharding and scalable validation techniques.


The startup has rather cheekily called this “an open version of LinkedIn,” the Microsoft-owned social network for professionals. Unlike LinkedIn, LinkedUp, which runs on any browser, is not owned or controlled by a corporate entity.
LinkedUp is built on Dfinity’s so-called Internet Computer, its name for the platform it is building to distribute the next generation of software and open internet services.
The software is hosted directly on the internet on a Switzerland-based independent data center, but in the concept of the Internet Computer, it could be hosted at your house or mine. The compute power to run the application LinkedUp, in this case — is coming not from Amazon AWS, Google Cloud or Microsoft Azure, but is instead based on the distributed architecture that Dfinity is building.
Specifically, Dfinity notes that when enterprises and developers run their web apps and enterprise systems on the Internet Computer, the content is decentralized across a minimum of four or a maximum of an unlimited number of nodes in Dfinity’s global network of independent data centers.
Dfinity is an open source for LinkedUp to developers for creating other types of open internet services on the architecture it has built.
“Open Social Network for Professional Profiles” suggests that on Dfinity model one can create “Open WhatsApp”, “Open eBay”, “Open Salesforce” or “Open Facebook”.
The tools include a Canister Software Developer Kit and a simple programming language called Motoko that is optimized for Dfinity’s Internet Computer.
“The Internet Computer is conceived as an alternative to the $3.8 trillion legacy IT stack, and empowers the next generation of developers to build a new breed of tamper-proof enterprise software systems and open internet services. We are democratizing software development,” Williams said. “The Bronze release of the Internet Computer provides developers and enterprises a glimpse into the infinite possibilities of building on the Internet Computer — which also reflects the strength of the Dfinity team we have built so far.”
Dfinity says its “Internet Computer Protocol” allows for a new type of software called autonomous software, which can guarantee permanent APIs that cannot be revoked. When all these open internet services (e.g. open versions of WhatsApp, Facebook, eBay, Salesforce, etc.) are combined with other open software and services it creates “mutual network effects” where everyone benefits.
On 1 November, DFINITY has released 13 new public versions of the SDK, to our second major milestone [at WEF Davos] of demoing a decentralized web app called LinkedUp on the Internet Computer. Subsequent milestones towards the public launch of the Internet Computer will involve:
  1. On boarding a global network of independent data centers.
  2. Fully tested economic system.
  3. Fully tested Network Nervous Systems for configuration and upgrades


Motoko is a new software language being developed by the DFINITY Foundation, with an accompanying SDK, that is designed to help the broadest possible audience of developers create reliable and maintainable websites, enterprise systems and internet services on the Internet Computer with ease. By developing the Motoko language, the DFINITY Foundation will ensure that a language that is highly optimized for the new environment is available. However, the Internet Computer can support any number of different software frameworks, and the DFINITY Foundation is also working on SDKs that support the Rust and C languages. Eventually, it is expected there will be many different SDKs that target the Internet Computer.
Full article
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Hello, and welcome to my blog. I trust you are staying safe and healthy amidst the Covid-19 pandemic.
For a while now I haven't researched nor reviewed on any viable project due to my tight schedules. But not too worry… I have prepared something new for you, most especially if you are found with daily buying and selling of cryptocurrencies. Read on!
The importance of blockchain technology cannot be overemphasized. Virtually every sector or industry today has witnessed the revolutionary progressions brought by this technology. It has helped to improve the way we do things, what we do and how we do it.
The Cryptocurrency space is one in which has benefited greatly from the advancements of this tech. With a lot of projects surfacing on daily basis adopting and implementing the core values of blockchain in their ecosystems. We can then conclude that the crypto space has seen a lot of technological shifts through blockchain.
Now coming to the crypto space, we have different segments of it. We have the Cryptocurrency Wallet, the Exchange,the trading aspect, the Dapps, crypto assets etc. But my focus in this article shall be on the Cryptocurrency exchange. How to exchange or trade your various assets, where or rather say the best exchange to trade your crypto etc. These shall be discussed in subsequent paragraphs.
The cryptocurrency exchange is where traders and crypto enthusiasts get to buy or sell their various cryptocurrencies. Currently on the crypto space, there are several crypto exchanges operating. Some of which include, ChangeNOW simple swap exchange, Binance, Okex, Latoken, Atomic Wallet swap DeX, CoinEx etc. All these exchanges and several more are classified under 2 category namely:
Decentralized Exchange. Centralized Exchange.
Ideally, several cryptocurrency enthusiasts and analysts recommend the Decentralized Exchange. Reason because these Decentralized exchanges tend to be secured and non-custodial in their operations. This is where I will Introduce the subject of discussion: CHANGENOW EXCHANGE.
Have you ever tried to trade or exchange your crypto assets on any crypto exchange only to discover that registration and trading on the exchange is rigorous? Well, if you haven't experienced this, I have on several occasions experienced this. Sometimes, I end up losing my trades due to lack of my technical know-how to utilize the exchange. Sometimes, the coins I plan to trade in the exchange drops drastically in price before my registration and deposit is completed. This becomes worrisome!
Every trader is entitled to getting the best user-friendly experience while optimizing any cryptocurrency exchange. This is why on steady basis, several exchanges are launched to solve one or two problems. It was for these reasons and many more that ChangeNOW_io is launched. Firstly, I'd like to say kudos to the team for such a wonderful innovation.
ChangeNOW is a Decentralized and non-custodial exchange which provides simple, secured and instant exchange of over 200 cryptocurrencies. ChangeNOW bridges the barrier of rigorous "REGISTRATION" processes, ChangeNOW also sets in a smooth, secured and instant conversion of your crypto with minimal fees. That is, with ChangeNOW exchange, you don't have to go through the rigorous processes of registration before you can use their simple and low fees exchange. This is amazing right? Let me tell you how ChangeNOW does this!
ChangeNOW cryptocurrency exchange is integrated into multiple trading and exchange platforms such as Binance, Okex, Huobi etc. When trading on the ChangeNOW exchange, the exchange chooses for you the best exchange with the cheapest available rate as at the time of trading and offers the user. Isn't this amazing? ChangeNOW Exchange offers the best customer support service. A 24/7 support system through the aid of, ChangeNOW Premium Lounge. This is a support services that provides traders's queries on the ChangeNOW exchange with the best support ever.
Among the outstanding quality features of ChangeNOW are:
I shall succinctly describe how these great features works and how it can benefit you. Read on!
ChangeNOW's NOWNodes is a service that provides fast and easy access to the most popular blockchain nodes. Hence, connecting to the most popular nodes say Bitcoin, Ethereum, DigiByte etc. is now made easy through NOWNodes secure and reliable API tools.
ChangeNOW's NOWPayment is a non-custodial and Decentralized service that makes it easier,fast and secured to accept cryptocurrency payments anywhere, anytime.
NOWToken is the native cryptocurrency of ChangeNOW. NOWToken serves as the major and internal medium of NOW Products. Currently, the NOWToken is tradeable on Binance DeX and Idex exchanges. To be listed on several other exchanges in the future. The value of the NOWToken is bound to appreciate as there becomes greater utility of the ChangeNOW exchange. NOWToken is based on the popular Erc20 blockchain and also on the Binance Chain. This makes it possible for holders of erc20 NOWToken to be able to swap to Binance Chain and back to erc20 as the case may be through ChangeNOW's Token Swap service.
Ideally, I maintain that ChangeNOW exchange is one of the best non-custodial and Decentralized exchanges out there. It is simple to use, secured and instant exchange of digital currencies offering the best possible and cheapest fees. The NOWToken is an altcoin that will prolly give you maximum profits comes the next bull. It has some potentials!
For Your comments and questions are welcomed. I will be here to clear any doubts and questions about ChangeNOW simple and instant exchange.
Don't forget to also carry out your own due research about this viable exchange (ChangeNOW). I am a researcher, Investor and cryptocurrency trader.
You can find out more about ChangeNOW Exchange below.
submitted by Ritabel2020 to CryptocurrencyICO [link] [comments]

Introducing COINQVEST, Enterprise Cryptocurrency Payment Processing on Stellar. Accept Digital Currencies, Settle in USD, EUR, NGN.

COINQVEST provides digital currency checkouts that automatically go from Bitcoin to your bank account, in minutes. It helps you programmatically accept and settle payments in new digital currencies while staying compliant, keeping your accountants and tax authorities happy. With COINQVEST, sales can be denominated and settled in your local fiat currency (e.g. EUR, USD or NGN) regardless of whether your customers pay in Bitcoin, Ether or Stellar Lumens.
COINQVEST’s mission is to lower the payment barrier for the world’s merchants to join the global economy through simple digital payment processing. We process sales safely and efficiently for online merchants of all sizes and origins. Think of it as Stripe for crypto.

The COINQVEST platform provides the following key features:

Benefits of COINQVEST for the Stellar Network

How COINQVEST uses Stellar:



For more details, team members, API docs, please visit
And, of course, we’d love to hear your feedback! Leave a comment below and connect with us on our public Keybase channel @coinqvest.public or chat directly with @marcinx or @xiaohu

Stellar Community Fund:

If you like this product, please consider voting for us in the Stellar Community Fund.
submitted by enqvistx to Stellar [link] [comments]

What are Stable Coins? USDT, TUSD, GUSD, USDC and USDQ

What are Stable Coins? USDT, TUSD, GUSD, USDC and USDQ
In this article, we will look at USDQ, a fully algorithmic stablecoin that offers reliability and easy collateralization for Bitcoin.
A unique decentralized stablecoin features various price stabilization algorithms, an intricate system of incentives for traders and AI-driven predictive analytics module.
It’s clear that cryptocurrencies are gradually making inroads into the global economy, moving closer to mass adoption. Cryptocurrencies offer a number of advantages – decentralization and trust, lower commissions and disintermediation – that make it easier for users to carry out their daily transactions. Anybody can transfer value around the globe, winning from fast processing time.
In comparison, sending value across borders via legacy financial systems requires lengthy waiting periods and fees, while also making users stuck into highly complex processes. For instance, if a person from Japan wants to send some money to England, the fees can range anywhere from 5% up to 10%, depending on the system being used. In addition, there will be some currency conversion fees. It seems that centralized players, currently enjoying lack of competition, set up fees and commissions just as they wish.
It’s merchants that carry out cross-border transactions that find working with legacy finance institutions most troublesome. They keep losing hefty chunks from their potential profits, just paying out fees to payment processors. This makes businesses hike up their prices, passing these expenses to ordinary consumers. Crypto offers a paradigm shift change, bringing to the table lightning speed and lower fees. Although cryptocurrencies have been winning more and more attention from merchants worldwide, there’s still a number of roadblocks to wider adoption, among which are price volatility, scalability limitations and others.
Volatility is admittedly the biggest hurdle that prevents businesses from using cryptocurrencies more. Bitcoin can experience huge fluctuations in just a matter of hours or even minutes. In addition, major coins like Bitcoin and Ethereum present scalability issues, which results in high processing time. A merchant, who has to handle hundreds of payments on a daily basis, would not be able to conduct their business efficiently if transactions get stuck for days on end. On top of that, it’s extremely hard for adopters to convert cryptocurrencies into fiat via the banks and other financial agents they usually work with.
Cryptocurrencies seek to offer solutions to all of these issues.

What is stablecoin?

A stablecoin is a cryptocurrency, whose architecture enables its price to always equal the price of another asset. Most of the stablecoins are pegged to USD. The biggest names in cryptocurrencies are Tether, Gemini Dollar, USDQ, TUSD and others.

How do stablecoins manage to be so stable?

As opposed to other coins that float freely, stable cryptocurrencies require that each unit is backed with a unit of the fiat currency. For instance, Tether (USDT) pegs 1 USDT to 1 USD on the one-to-one basis. In this way, stablecoins are somewhere between cryptocurrencies and regular fiats. Tether is based on its own blockchain that is built on top of Bitcoin, Litecoin and Ethereum systems.
Although Tether is the biggest stablecoin, there’s a number of concerns as to its operations. The biggest one is the continuing controversy as to the fiat reserves, which the issuer is supposed to store on the one-to-one ratio to the number of issued Tether units. The company has been saying that the audit will be done in the near future, but just several weeks ago it started to claim that it’s not only the cash, but also loans to other companies that can be recorded as fiat reserves. These statements resulted in growing distrust among crypto enthusiasts.
Another project is TrueUSD (TUSD). It also pegs to USD. The difference with Tether is the openness to audits and transparency. The company is open to third-party audits, it publishes the duly verified reports on the fiat reserves it holds. In addition, users enjoy legal protections.
USDC is another stablecoin that was created by the famous cryptocurrency exchange Circle. Just as TUSD, if offers regulatory compliance and transparency. The big problem with all these systems is the fact that they enable authorities to seize users’ funds, which completely negates the very idea of decentralization and anti-censorship, on which crypto is built.
USDQ is different from other stablecoins as it’s not backed by the fiat currency, but by Bitcoin and other top-10 cryptocurrencies in the future. This enables the ecosystem to avoid dealing with legacy financial systems. Through the over-collateralization process, USDQ turns highly volatile cryptocurrencies into the USD-pegged USDQ that is perfect for storing value and processing transactions in the external economy without any risk of price changes. The coin is being developed by PLATINUM ENGINEERING with the small community slowly growing around the project.

Why do we need stablecoins?

Stablecoins have advanced as a new iteration on cryptocurrencies, enabling to address such issues as high volatility and interactions with legacy financial systems.
Coins like USDQ make sure that various mechanisms are used in order to stabilize the prices at the USD peg. Traders can easily change their Bitcoins into USDQ and thus prevent the negative impact on unwanted prices changes. Stablecoins are very easy to use, which is a boon for non-techy adopters. Any person from around the world can quickly convert fiats into stablecoins, without any need to think about future price changes and without worrying about potential risks for losing their funds. As a rule, you’ll always find various stablecoins on crypto exchanges, enabling traders to quickly move around stables and other cryptos.
As we’ve spoken above, cross-border payments win most from using the stablecoins. This hybrid species between fiat and crypto will help open up the hidden value in global trade, amounting to trillions of dollars in profits for stakeholders.
The Telos Community recently partnered with CARBON and announced their new stablecoin: TLOSD.
TLOSD is a USD backed coin that is now available on all exchanges that support Telos and the Carbon API.
Users can now buy TLOS with Debit card, Credit card, Apple Pay or bank account, making it easier than ever to invest in TLOS and start using the Telos blockchain.
“Our dapp will provide frictionless and global access to TLOS via credit/debit cards. Our stable coin TLOSD will provide a reliable store of value and medium of exchange on-chain in addition to direct fiat on/off ramps into and out of the Telos network. Telos has demonstrated truly decentralized networks can come together, get things done, and create real value.” – Telos Foundation
Read more:
Written By: Ben
Edited By: Mosun
Graphics By: Jacobite
submitted by Telos4africa to u/Telos4africa [link] [comments]

Regarding misinformation / comparisons with XRP and QNT

I don't have time to correct every youtuber / twitter who can't do 2 mins of research before thinking they know what they are talking about. There's so many errors its untrue, has done so little research he can' even pronounce the company name correctly.. If he can't understand the difference between a settlement coin (XRP) and a utility token for providing interoperability to enable transfer of value as well as moving tokens across chains, then again shows how little he knows.

XRP is a settlement token, its sole use is a transfer of value and requires an exchange involving a buyer / seller of the tokens involved / converted for settlement to take place. So, if a bank wanted to transfer £ to another bank with $ then the idea is that the bank would convert it to XRP, for it to be sent to the other Bank and then it’s sold into $. This requires either the Bank having to hold XRP to facilitate trades or they would need to purchase an equivalent amount of XRP from a 3rd party when they want to perform the trade. The reason why there has been so little adoption of XRP by banks is because they are risk averse. If they held millions of XRP and they bought when the price was over $3 each and it’s not worth $0.40 then obviously that’s a huge risk and as the industry is heavily regulated, regulation does not allow it. If they don't want to hold it then they must buy it from a 3rd party but there isn't the liquidity on the network to do so without it effecting price due to the amounts these banks are transferring. This video with the CTO of Ripple explains the issues they are seeing with lack of adoption and definitely worth a watch for those that haven’t

XRP has a huge supply - nearly 100 billion in total and so far with 42.5 billion in circulation. 1 Billion XRP are unlocked from escrow by the team every month and those that aren't sold by the team are put into escrow for 2 years. In Q1 2019 the team sold 700 million XRP, but they can sell 3 billion XRP every quarter if they wanted as outlined in their quarterly report and have so far sold 4.5 billion XRP from escrow. This is another reason why banks are not willing to hold XRP due to the risk involved, of having 3 billion XRP introduced into the market every quarter. With a large supply and further supply increased over the years it is intended that XRP is less volatile pricewise that others over short amounts of time, so with its large supply, any small change in price will have a large impact on total market cap.

QNT is not a settlement token it has a total fixed supply of 14.6 million with 12 million in circulation. Its price will be far more volatile as seen by the recent change in price. It is also an ERC20 token on mainnet Ethereum, the performance of Ethereum has no relation whatsoever to the performance of Overledger. If you had to make a comparison between XRP and QNT, QNT would be like a licensing token to use Ripple's software and the usage of the software to sign messages / facilitate trade regardless of whether they used XRP or any other currency. QNT is there to facilitate the trade by using whatever settlement token they want rather than being used for settlement.

XRP is competing with the likes of JPMorgan Coin, Fnality USC, Morgan and Stanleys coin, HSBC's, Facebook Libra, insert bank/stablecoin name here etc. QNT is not, QNT is used to provide access to and consumption of its operating system (Overledger) which allows for any of those to be used as well as requiring each user to hold a minimum amount of QNT.

The idea with something like JPMorgan's coin is it doesn't need to have an intermediary who wants to buy X and sell Y to do an exchange and the liquidity issues around that, QNT would enable the JPMorgan coin to transfer across blockchains so no need for an exchange to take place and sufficient liquidity be held by an intermediary involved. It is locked on one blockchain and represented on another. JPMorgan's coin will be fixed to $1 its basically like your bank notes now where it’s an IOU and at any point the token can be redeemed for $1 through JPMorgan. Due to it being the largest bank in the US and fully regulated / compliant then there will be a lot more adoption of this by banks rather than using a currency such as XRP.

Interledger is limited in its ability to just a transfer of value, it is about the cross-border transfer of fungible assets. So there needs to be a buyer on one side and a seller on the other to facilitate the trade. It is just one simple form of interoperability, Overledger enables this but also provides the ability to transfer non-funglible assets, tokens represented across multiple blockchains. Its not just about currency, everything will be tokenised – think Invoices, quotes, Supply chain, identity, assets, stocks, bonds, securities etc.

It needs some entity within ripplenet to be able to swap a currency to different currencies via an exchange rate / which will differ depending on the liquidity held in each of these. Its just not possible to transfer logic, assets etc across chain, oracle functionality etc it is designed to do payments with the transfer of value. So instead of transferring Bitcoin to Ethereum, you are sending Bitcoin which then needs to be exchanged for Ethereum, in XRP’s case it would be a conversion of Bitcoin to XRP on one side and then XRP to Ethereum on another.

Overledger allows for Bitcoin to be represented across different blockchains so there doesn't need to be loads of exchange rates between 3rd parties each having to hold huge amounts of liquidity. With JP Morgan’s coin the token is transferred and represented on another blockchain, benefiting from the speed, trackability, immutability etc of the blockchain and then at some point a large amount of those would be redeemed by transferring them to JPMorgan through other means in exchange for FIAT when it’s not time sensitive etc. This means there doesn't have to be loads of intermediaries holding vast amounts of different stablecoins/ cdbcs etc to facilitate trade. The token is an IOU and is transferred so can interact with other blockchains and then redeemed when required

As mentioned previously this is far bigger than just settling a trade where one-party buys say XRP and then the other party immediately sells the XRP to facilitate trade, QNT can be used to transfer any coin across any blockchain, but also any asset. The vast majority of Assets are going to be tokenised - Gilbert mentioned their clients are already tokenising things such as Artwork, to real estate, even Oil Refineries. This makes assets that were normally illiquid, very liquid and will have huge benefits. You can transfer ownership (as well as part ownership) of assets across chains, so that they can interact with smart contracts on another. Products being able to move across multiple blockchains used in the supply chain (as not all steps in the chain will use one blockchain especially so considering the number of different countries involved with many global supply chains). Making stocks, bonds, securities etc available on other blockchains again provides global liquidity, assets which are divisible so you can now own a part of a hotel or building etc. As well as making assets / currency programmable so can automatically act in a certain way once certain conditions are met.

Imagine the number of trades you have now without forcing QNT to be used as settlement (which just gets bought and sold immediately so does nothing to price anyway). Instead it is used for all token / currency / asset transfers across chains all requiring QNT as a utility token and holding minimum amount of QNT to facilitate this interoperability.

Other points raised in the video – Ripple needs to go to every bank because they have to integrate their software and hence rollouts are slower. Quant is API based and doesn’t require banks to change / replace their current systems. They just point to the API to access Overledger and can immediately benefit from blockchain interoperability

When they are referring to Banks using Ethereum, its permissioned versions of Ethereum, JP Morgan’s Quorum etc which offer far more TPS and not effected by congestion on mainnet Ethereum.

Suggesting that Overledger is a copy of interledger, either shows the complete lack of understanding of either technology or both. Interledger is about transfer of value through atomic swaps. It can’t pass Logic, non-fungible assets etc across blockchains. It can’t provide oracle functionality, tokenisation of assets to be stored on a blockchain, smart contracts across multiple blockchains etc. Its main focus is payments for which is does very well, but its still very limited to what Overledger enables – hence why Hyperledger Quilt are integrating Overledger in addition to interledger.

Overledger isn’t a blockchain, it doesn’t force parties to use their own blockchain / add consensus to slow it down. Its built using proven scalable technology using Kubernetes which is what the likes of Google use for their search engine. Its speed depends on the source and destination blockchain the developer wants to use and they can choose fits their criteria the best.
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7/16/14 - Google adds Bitcoin calculator, GHash commits to 40%, & Coin Congress is next week

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