Was ist Ethereum? Ether (ETH) Kryptowährung einfach erklärt

Desarrollador de Ethereum será representado por Brian Klein

El abogado Brian Klein, reconocido como uno de los pioneros en derecho tecnológico, será el representante de Virgil Griffith, desarrollador de Ethereum, acusado de conspirar para violar la Ley de poderes económicos de emergencia internacional (IEEPA)
https://www.bitcoin.com.mx/desarrollador-de-ethereum-sera-representado-por-brian-klein/
submitted by MKT_Bitcoinmx to bitcoinmexico [link] [comments]

Yves Klein and Ethereum: Lecture in Toronto

Yves Klein and Ethereum: Lecture in Toronto submitted by mitchellfchan to NewMediaArts [link] [comments]

Hi guys! Long time lurker here looking for some tips

Guten Morgen! I hope you're doing well, wherever you are.
So, I've answered two demanding tasks considering my rather poor German skills. I'm feeling ok about the way it's written, but I'm certain there are some spelling mistakes and semantic errors, as I'm far from the strongest student in my class. I would greatly appreciate any feedback if possible. I'm still learning!
Write a brief fairytale
Es war einmal ein kleines Mädchen aus Wien ins Österreich. Ihr Name war Greta Tannhaus. Greta hatte große, grüne Augen und viele Hausaufgaben zu machen. Dieses grünäugige Mädchen hatte drei Fächer mit viele Zuordnungen und wenig Zeit, um sie zu tun. Deswegen hatte Greta viel stress, aber sie hatte auch ein Geheimnis, das niemand kannte; ihr Hausaufgabenfee. Die Hausaufgabenfee lebte in ihrer Hosentasche, und kannte alle Sprachen und Wissenschaft in die ganze Welt. Es war jedoch ein ziemlich großes Problem. Greta konnte nicht ihre Fee finden! Greta ist zur Schule gelaufen, und sie hat viel Stress an diesem Moment, weil sie ein Englisch Prüfung hat. Ihre Lehrer hat die Prüfung verteilt, und Greta ist ganz traurig. Aber schau! Was ist die Schatten in der Nähe des Fensters? „Hallo, Greta!“. Wunderbar! Es ist die Hausaufgabenfee, und es ist bereit, zu Greta helfen. Aber Greta hat gelernt, dass sie unabhängiger werden muss. Greta und die Hausaufgabenfee lebten glücklich und zufrieden bis ans Ende ihrer Tage.
Write 8-10 sentences about what you would like to work with in the future
Ich werde gern mit Finanzanalyse arbeiten, weil ich mir für komplexe Finanzsysteme interessiere. Ich kann erinnere mich gut an meine ersten Finanzielle Transaktion. Ich habe Ethereum gekauft, ein sogenannt „altcoin“ gekauft. „Altcoins“ sind Optionen für die erste Kryptowährung; „Bitcoin“. Ich bin kein Finanzexperte, aber ich arbeite jetzt als eine Marktmacher. Das bedeutet, dass ich Liquidität zu finanziellen Instrumenten erzeugt. Stell dir zum Beispiel vor ein Aktienhandel. Du wirst etwa fünf hundert Apple-Bestände kaufen. Diese Transaktion ist nicht möglich ohne ausreichend Marktliquidität. Das bedeutet eigentlich, dass du Verkäufer brauchst. Verkäufer mit genug Volumen zu dein Aktienkauf decken. Wenn der Verkäufer weniger als 500 Apple-Bestände verkauft auf deinen Preis, musst du zu einem höheren Preis kaufen. Als eine Marktmacher möchte ich diese Transaktion einfach machen. Ich möchte einen besseren Marktfluss generieren. „Market-making“ ist nur einer von vielen Bereichen, an denen ich arbeiten möchte.
submitted by firfislefitte to German [link] [comments]

Faucetcrypto

Hallo alle,
Ik heb verschillende websites uitgeprobeerd waarbij je een klein beetje crypto kan verdienen. Ik heb tot nu toe al 2 uitbetalingen laten doen. En beide zijn aangekomen.
www.faucetcrypto.com is een van die sites. De voordelen zijn dat je maar 500 coins hoeft te verdienen waarna je al een uitbetaling kan doen direct naar je crypto wallet. Dus geen tussen personen waar gebruik van wordt gemaakt. Alleen voor bitcoin wordt er gebruik gemaakt van www.faucetpay.io.
3,5 coins staan gelijk aan 1 satoshi.
Het aanmelden is ook zeer makkelijk. Je hoeft alleen een account aan te maken. Hier is wel een mail adres voor nodig.
Je hebt verschillende coins zoals bitcoin, BCH, verge, ethereum, digibyte, ravecoin, dodgecoin en nog een aantal coins.
Mijn referal link: https://www.faucetcrypto.com/ref/234779
Non referal link: http://www.faucetcrypto.com/
Zijn er vragen of opmerkingen dan hoor ik het graag.
submitted by Marc778 to BeermoneyNL [link] [comments]

List of Scott's most influential twitter followers

It seems like Scott/SSC has gotten much more mainstream recognition over the past year, so I was curious to know who the most influential SSC readers are now. Using twitter follower data for this isn't perfect (follower count is not a perfect proxy for influence, not all SSC readers follow the twitter account, etc.), but it's the best I could think of and I figured it would be a fun exercise regardless.
As an aside, a few interesting stats I learned about Scott's twitter followers (scraped on 12/30/17):
  1. Scott is followed by exactly two members of Congress: Justin Amash (Republican) and Jim Himes (Democrat)
  2. Scott has 351 bluecheck followers
  3. Of the top 100 most-followed followers, the gender breakdown (by my count) is 82 men vs 8 women (along with 10 organization or anonymous accounts). Among the top 50, it's 43 men and 1 woman (Liv Boeree)
  4. 385 followers (2% of the total) have bios including either "bitcoin", "ethereum", "crypto" or "blockchain"
  5. There are 67 followers whose bios include either "@Google", "@ Google", "at Google", or "Googler"
Note: When constructing the top 100 below, I excluded accounts that had extremely large Following counts, since I wanted the list to just consist of (likely) actual SSC readers. My exact rule was to exclude any account that follows >20K, include any that follows <10K, and include accounts in the 10K-20K range iff their following/follower ratio was less than 10% (this last condition was mostly just because I wanted to keep @pmarca on the list).
Anyway, below is the top 100. I also constructed lists for Eliezer, Robin Hanson, and gwern, and I can post those in the comments if anyone's interested.
Ranking Twitter Name Full Name Bio Bluecheck Follower Count Following Count
1 @NateSilver538 Nate Silver Editor-in-Chief, @FiveThirtyEight. Author, The Signal and the Noise (http://amzn.to/QdyFYV). Sports/politics/food geek. 1 2860782 1051
2 @ezraklein Ezra Klein Founder and editor-at-large, http://Vox.com. Come work with us! http://bit.ly/1ToAmQ8 1 2277052 1112
3 @timoreilly Tim O'Reilly Founder and CEO, O'Reilly Media. Watching the alpha geeks, sharing their stories, helping the future unfold. 1 1988716 1829
4 @paulg Paul Graham 1 1066366 322
5 @SamHarrisOrg Sam Harris Author of The End of Faith, The Moral Landscape, Waking Up, and other bestselling books published in over 20 languages. Host of the Waking Up… 1 974855 229
6 @techreview MIT Tech Review MIT Technology Review equips its audiences with the intelligence to understand a world shaped by technology. 1 794095 3367
7 @pmarca Marc Andreessen 1 672740 16319
8 @cdixon Chris Dixon programming, philosophy, history, internet, startups, investing 1 572260 3320
9 @RealTimeWWII WW2 Tweets from 1939 I livetweet the 2nd World War, as it happened on this day in 1939 & for 6 years to come (2nd time around). Created by Alwyn Collinson,… 0 516803 459
10 @VitalikButerin Vitalik Buterin See https://about.me/vitalik_buterin 1 458582 154
11 @Tribeca Tribeca Great stories from the greatest storytellers. 1 409581 18678
12 @bhorowitz Ben Horowitz Author of Ben's Blog (http://www.bhorowitz.com) and HarperBusiness book, THE HARD THING ABOUT HARD THINGS http://www.amazon.com/Hard-Thing-About-Things-Building-ebook/dp/B00DQ845EA/ref=sr_1_1… 1 405820 255
13 @mattyglesias Matthew Yglesias Fake news. Bad takes. Dad jokes. We’re actually on the Bad Place. 1 372341 754
14 @naval Naval Present. 0 339469 478
15 @SwiftOnSecurity SwiftOnSecurity I make stupid jokes, talk systems security, https://DecentSecurity.com + http://GotPhish.com, write Scifi, sysadmin, & use Oxford commas. Sprezzatura. 0 211672 7530
16 @alexismadrigal Alexis C. Madrigal staff writer @TheAtlantic in the real world, these just people with ideas Mexican, Oakland, Earthseed 1 203540 5682
17 @ScottAdamsSays Scott Adams Win Bigly: http://amzn.to/2myAGon 1 202042 788
18 @Khanoisseur Adam Khan Majordomo; Stuff at @Google @Twitter @SpaceX @Apple Exposing Trump https://www.gofundme.com/VolunteerJournalism… *Turn notifications on for breaking Trump… 0 183964 9359
19 @felixsalmon Felix Salmon Host and editor, Cause & Effect 1 180414 1832
20 @fmanjoo Farhad Manjoo (feat. Drake) NYT. DMs are open. signal: 4156836738. [email protected]. Instagram/Snapchat: fmanjoo 1 167592 4095
21 @VsauceTwo Vsauce2 Being Human. personal twitter: @kevleeb 0 151795 279
22 @russian_market Russian Market Swiss Financial Blogger. In Bitcoin we trust. 1 148866 939
23 @AaronDayAtlas Aaron Day CEO @Salucorp, Chairman @stark_360. #entrepreneur #btc #blockchain #healthcare #paleo #tech #dad Former candidate for #USSenate #ENTJ 0 133389 2075
24 @justinamash Justin Amash I defend #liberty and explain every vote at http://facebook.com/justinamash • 'Laws must be general, equal, and certain.' —F.A. Hayek 1 131997 5376
25 @Liv_Boeree Liv Boeree Poker player & Team Pokerstars Pro. Physics creature. Aspiring rationalist. Mountain goat. [email protected] 1 125366 451
26 @MaxCRoser Max Roser Researcher @UniOfOxford – Follow me for data visualizations of long-term trends of living standards – mostly from my web publication: http://www.OurWorldinData.org 1 114045 583
27 @Jonathan_Blow Jonathan Blow Game designer of Braid and The Witness. Partner in IndieFund. 0 112827 68
28 @andrewchen Andrew Chen Growth: @uber. Writer: http://andrewchen.co. Plus one: @briannekimmel 0 111077 6288
29 @charlescwcooke Charles C. W. Cooke Editor of National Review Online. Classical liberal. Immigrant. Jack’s Dad. Wino. ‘The American is the Englishman left to himself.’ 1 110071 872
30 @AlanEyre1 Alan Eyre Diplomat, U.S. State Dept, Energy Resources Bureau. Middle East/Asia Energy; ایران. RT doesn't =endorsement; 'likes' don't necessarily=likes, often… 1 106947 3514
31 @karpathy Andrej Karpathy Director of AI at Tesla. Previously a Research Scientist at OpenAI, and CS PhD student at Stanford. I like to train Deep Neural Nets on large datasets. 1 106643 445
32 @JamesADamore James Damore Nerd centrist interested in open discussions and improving the world by fixing perverse incentive structures. Author of the pro-diversity … 1 94580 210
33 @SherwoodStrauss Ethan Strauss Podcasting 1 88258 1204
34 @james_clear James Clear Author, weightlifter and travel photographer in 25+ countries. Over 400,000 people subscribe to my weekly newsletter on how to build better habits. 1 87968 218
35 @nk from the future Wealth and personal achievement expert 0 81712 591
36 @benthompson Ben Thompson AuthoFounder of @stratechery. Host of @exponentfm. @notechben for sports. @monkbent on other networks. Home on the Internet. 1 78746 1267
37 @matthewherper Matthew Herper Forbes reporter covering science and medicine 1 78698 2111
38 @JeremyCMorgan Jeremy Morgan Tech Blogger, Hacker, Pluralsight Author, and Volunteer Firefighter. Once held the world record for being the youngest person alive 0 78601 7365
39 @balajis Balaji S. Srinivasan CEO (http://Earn.com) and Board Partner (@a16z). I hear this Bitcoin thing might be kind of a big deal. You can reach me at http://earn.com/balajis. 1 70707 2936
40 @patrickc Patrick Collison Fallibilist, optimist. Stripe CEO. 1 68709 1875
41 @matthew_d_green Matthew Green I teach cryptography at Johns Hopkins. 0 68434 594
42 @delong Brad DeLong 🖖🏻 I'm trying to be smart, knowledgable, funny, and well-wishing. You try too--at least 2 of 4. Low volume: 1+ per day... 0 67968 1578
43 @flantz Frank Lantz game designer 0 66090 278
44 @MYSTIQUEWEST MYSTIQUE NYC The Mystique Gentlemen’s Strip Club offers the best in adult entertainment in New York City. With unique stage design, full bars and the most beautiful dancers. 0 64881 332
45 @AceofSpadesHQ TheOne&OnlyExpert I'm not #TheExpert, or the expert parodying #TheExpert. I'm the real expert. 0 64872 1464
46 @btaylor Bret Taylor President, Chief Product Officer of @Salesforce. Previously CEO Quip, CTO Facebook, CEO FriendFeed, co-creator Google Maps. Stanford fan, @Twitter… 1 64829 687
47 @wycats Yehuda Katz Tilde Co-Founder, OSS enthusiast and world traveler. 1 63933 849
48 @jahimes Jim Himes Connecticut Congressman. Reader. Runner. Swimmer. And I make maple syrup. 1 62820 411
49 @abnormalreturns Tadas Viskanta Financial Educator, Author and Editor of Abnormal Returns. 0 61693 413
50 @BrendanNyhan Brendan Nyhan @Dartmouth political science professor, @UpshotNYT contributor, and @BrightLineWatch co-organizer. Before: @CJR / Spinsanity / All the President'… 1 61508 6149
51 @matt_levine Matt Levine da, wo Menschen arbeiten, wird es immer Fehler geben 1 61314 990
52 @BretWeinstein Bret Weinstein Professor in Exile If we don't harness evolution, it will harness us. 1 61049 536
53 @gaberivera Gabe Rivera Blame me for @Techmeme and @mediagazer. Nicer than my tweets. Often sarcastic. DMs are open. 2+2â‰5. Retweets are endorphins. 1 59927 5599
54 @SarahTheHaider Sarah Haider Promotes free-speech, human rights, liberalism, atheism. Director of Outreach,Ex-Muslims of North America. Pakistani by birth, American by… 0 59574 292
55 @TheInfinite_T ✨Infinite_T✨ NSFW Send GoogleWallet to [email protected] pls send all your tokens to http://mfc.im/infinite_t/t Wishlist: http://a.co/8taURYD 0 59061 645
56 @cblatts Chris Blattman Political economist studying conflict, crime, and poverty, and @UChicago Professor @HarrisPolicy and @PearsonInst. I blog at … 0 57670 2445
57 @jamestaranto James Taranto Editorial Features Editor, in charge of @WSJ op-ed pages. Best of the Web columnist 2000-17. 1 56733 174
58 @nitashatiku Nitasha Tiku Senior writer @Wired covering Silicon Valley [email protected], DM for Signal 1 56133 4327
59 @DKThomp Derek Thompson Writer at @TheAtlantic. Author of HIT MAKERS. Talker on NPR's @hereandnow. Economics of work and play. derek[at]theatlantic[dot]com 1 53387 1116
60 @aliamjadrizvi Ali A. Rizvi Pakistani-Canadian author of The Atheist Muslim (SMP/Macmillan). Amazon order link below. Co-host of @SecularJihadist podcast. Contact:… 1 52806 784
61 @RameshPonnuru Ramesh Ponnuru @NRO, @BV, @AEI, @CBS. Husband of @aprilponnuru. 1 51721 613
62 @JYuter Rabbi Josh Yuter "For my thoughts are not your thoughts, neither are your ways my ways" Is. 55:8. Jewish stuff + bad jokes. All opinions subject to change. 1 50731 2599
63 @meganphelps Megan Phelps-Roper “You're just a human being, my dear, sweet child.” Speaking requests: [email protected] Contact: [email protected] 1 49678 792
64 @albertwenger Albert Wenger VC at http://usv.com 1 49107 1794
65 @paulbloomatyale Paul Bloom Psychologist who studies and writes about human nature—including morality, pleasure, and religion 1 48579 391
66 @conor64 Conor Friedersdorf Staff writer at The Atlantic, founding editor of The Best of Journalism–subscribe here: https://www.ponyexpress.io/subscribe/thebestofjournalism… 1 46977 1405
67 @EricRWeinstein Eric Weinstein Managing director @ Thiel Capital. Some assembly required. Spelling not included. May contain math. Tweets are my own. 1 46263 850
68 @adamdangelo Adam D'Angelo CEO of Quora 1 45545 526
69 @robbystarbuck Robby Starbuck Director + Producer + Founder at RSM Creative - Husband to @imatriarch - Dad to 3 Kids + 2 Dogs - Futurist - Cuban American - Fan of Civilized Debate 1 45308 1842
70 @clairlemon Claire Lehmann Principle before affiliation. Founder, editor http://quillette.com. Contact me at http://earn.com/clairelehmann 1 45305 2000
71 @tombennett71 Tom Bennett Director of researchED- https://researched.org.uk Chair of @educationgovuk Behaviour group. Free training available here http://www.tombennetttraining.co.uk 1 43859 3698
72 @m2jr Mike Maples The woods are lovely, dark and deep, But I have promises to keep,And miles to go before I sleep,And miles to go before I sleep.-Robert Frost 0 43629 3915
73 @DavidDidau David Didau Education writer and speaker. Ginger. #PsychBook OUT NOW! https://goo.gl/xyDIjO; #WrongBook still available: http://amzn.to/1Opyach 0 43531 1092
74 @ByronTau Byron Tau congress et al. for @wsj. interested in law, lobbying, nat'l security, investigations, gov't ethics and . contact me securely: http://bit.ly/2s2HTfG 1 43026 2699
75 @MichaelKitces MichaelKitces One nerd’s perspective on the financial planning world… CFP, #LifelongLearner, Entrepreneur-In-Denial, Advisor #FinTech, & publisher of the Nerd’s Eye View blog 1 42304 459
76 @rahulkapil Rahul Kapil Come to observe. Stay to play. 0 41987 975
77 @michaelbatnick Irrelevant Investor Long-distance reader 0 41620 1076
78 @yegg Gabriel Weinberg CEO & Founder, @DuckDuckGo. Co-author, Traction. I want to publish zines and rage against machines. DM for Signal. 1 39470 151
79 @Jesse_Livermore Jesse Livermore Trader, Speculator, Bucketeer 0 39190 4459
80 @iconominet ICONOMI Digital Assets Management Platform for the Decentralised Economy 0 39030 1942
81 @IKucukparlak İlker Küçükparlak Psikiyatrist http://ihtisastramvayi.com 0 38018 757
82 @vdare Virginia Dare The Twitter account for the editors of VDARE. Featured at the 2016 Republican National Convention 0 37723 4429
83 @juliagalef Julia Galef SF-based writer & speaker focused on reasoning, judgment, and the future of humanity. Host of the Rationally Speaking podcast (@rspodcast) 1 37530 340
84 @nicknotned Nick Denton Internet publisher 1 36708 2524
85 @JeremyMcLellan Jeremy McLellan Standup Comedian, Papist-in-training, biryani extremist, alleged member of the Muslim Cousinhood, US ambassador to the Pindi Boyz, spy pigeon trainer 1 36253 1538
86 @collision John Collison Co-founder of @stripe. 0 35995 1290
87 @narcissawright ♕ Narcissa fledgling seer 1 35375 1266
88 @panzer Matthew Panzarino Editor-in-Chief, TechCrunch. Telecom stories killed: 0. PGP Key https://keybase.io/panzer 1 35162 2902
89 @EconTalker Russell Roberts How Adam Smith Can Change Your Life (http://amzn.to/1o72lYh), EconTalk host, econ novelist, co-creator of Keynes/Hayek rap videos, http://www.wonderfulloaf.org/ 0 34611 669
90 @nktpnd Ankit Panda Senior Editor @Diplomat_APAC in NYC. Thinking/writing/speaking on global security, politics, and economics. Via @WilsonSchool. Views mine & RTâ‰â€¦ 1 34041 995
91 @Official_Quame Kwame A. A Opoku Futurist• Global Business Speaker, Founder @fobaglobal, @wefestafrica, @ideafactorylive • CEO Mary&Mary LLC • Entrepreneur • Tedx Speaker •Influencer 0 33924 3526
92 @dylanmatt Dylan Matthews I know, I know, I don't like me either. Retweets are proposals of marriage. 1 33262 5579
93 @Jonnymagic00 Jon Finkel I'm a magic player who also manages a hedge fund. http://en.wikipedia.org/wiki/Jon_Finkel 0 33234 284
94 @Heminator Mark Hemingway "After all these years of professional experience, why can’t I write good?" Senior Writer @WeeklyStandard. Husband of @MZHemingway. 1 33034 4877
95 @sweenzor Onson Sweemey 0 32044 5288
96 @PhilosophersEye Philosopher's Eye Philosophy updates, pop culture, fun stuff, and links to resources from the Wiley Blackwell Philosophy Team. 0 31931 6503
97 @VladZamfir Vlad Zamfir Absurdist, troll. 0 31764 418
98 @m_clem Michael Clemens Fellow @[email protected]_bonn. My views only. Assoc. Editor @JPopEcon & @WorldDevJournal. Author of @WallsofNations, coming in 2018.… 1 31746 3650
99 @RudyHavenstein Rudolf E. Havenstein ReichsBank®President 1908-1923; Central Bank consultant. 'My way of joking is to tell the truth' - GB Shaw. Tweets solely for my own amusemen… 0 31115 1293
100 @tikhon Tikhon Bernstam CEO & Founder of Parse (YC S'11, acquired by Facebook for $85M in 2013). Founder @Scribd (YC S'06). @ycombinator alum. 0 31030 5184
submitted by disumbrationist to slatestarcodex [link] [comments]

USDT

Was sind stabile Münzen? USDT, TUSD, GUSD, USDC und USDQ
Was sind stabile Münzen? USDT, TUSD, GUSD, USDC und USDQ
In diesem Artikel spricht Slava Mikhalkin über USDQ , eine vollständig algorithmische stabile Münze, die Bitcoin Zuverlässigkeit und einfache Besicherung bietet. In Zusammenarbeit mit PLATINUM ENGINEERING arbeitet Slava als Blockchain Architect an der Entwicklung innovativerLösungen für White-Label-Wallets , STOs und IEOs Fundraising-Plattformenund Geschäftsmodelle mit vollem Zyklus für Krypto-Projekte. Ein zentrales Wertversprechen von PLATINUM ENGINEERING ist ein ganzheitlicher Ansatz, bei dem Start-ups mithilfe eines vielseitigen Talentpools Fähigkeiten in den Bereichen IT, Marketing und Recht aufbauen können. Ein einzigartiges, dezentrales USDQ-Modul für stabile Währungen bietet verschiedene Preisstabilisierungsalgorithmen, ein kompliziertes Anreizsystem für Händler und ein AI-gesteuertes Predictive Analytics-Modul. Diese neuartige Stallmünze ist bemerkenswert, solange sie noch in Schwung kommt.
Vorwort
Es ist klar, dass Kryptowährungen allmählich in die Weltwirtschaft eindringen und sich der Massenadoption nähern. Kryptowährungen bieten eine Reihe von Vorteilen - Dezentralisierung und Vertrauen, geringere Provisionen und Disintermediation -, die es den Benutzern erleichtern, ihre täglichen Transaktionen durchzuführen. Jeder kann Wert auf der ganzen Welt übertragen und von der schnellen Bearbeitungszeit profitieren.
Im Vergleich dazu erfordert der grenzüberschreitende Versand von Werten über herkömmliche Finanzsysteme lange Wartezeiten und Gebühren, während Benutzer gleichzeitig in hochkomplexe Prozesse verstrickt sind. Wenn beispielsweise eine Person aus Japan Geld nach England senden möchte, können die Gebühren je nach verwendetem System zwischen 5% und 10% liegen. Zusätzlich fallen einige Währungsumrechnungsgebühren an. Es scheint, dass zentralisierte Akteure, die derzeit keinen Wettbewerb haben, Gebühren und Provisionen nach Belieben einrichten.
Und es sind Händler, die grenzüberschreitende Transaktionen abwickeln, bei denen die Zusammenarbeit mit älteren Finanzinstituten am schwierigsten ist. Sie verlieren immer wieder kräftige Brocken von ihren potenziellen Gewinnen und zahlen nur Gebühren an die Zahlungsabwickler aus. Dies führt dazu, dass Unternehmen ihre Preise erhöhen und diese Ausgaben an normale Verbraucher weitergeben. Crypto bietet einen Paradigmenwechsel, der Blitzgeschwindigkeiten und niedrigere Gebühren auf den Tisch bringt. Obwohl Kryptowährungen bei Händlern weltweit immer mehr Beachtung finden, gibt es immer noch eine Reihe von Hindernissen für eine breitere Einführung, darunter Preisschwankungen, Skalierbarkeitsbeschränkungen und andere.
Die Volatilität ist zugegebenermaßen die größte Hürde, die Unternehmen davon abhält, mehr Kryptowährungen zu verwenden. Bitcoin kann innerhalb weniger Stunden oder sogar Minuten enorme Schwankungen aufweisen. Darüber hinaus weisen wichtige Münzen wie Bitcoin und Ethereum Skalierbarkeitsprobleme auf, was zu einer hohen Verarbeitungszeit führt. Ein Händler, der täglich Hunderte von Zahlungen abwickeln muss, wäre nicht in der Lage, seine Geschäfte effizient abzuwickeln, wenn die Transaktionen tagelang stecken bleiben. Darüber hinaus ist es für Anwender äußerst schwierig, Kryptowährungen über die Banken und andere Finanzagenten, mit denen sie normalerweise zusammenarbeiten, in Fiat umzuwandeln.
Kryptowährungen versuchen, Lösungen für all diese Probleme anzubieten.
Was ist Stablecoin?
Eine Stablecoin ist eine Kryptowährung, deren Preis aufgrund ihrer Architektur immer dem Preis eines anderen Vermögenswerts entspricht. Die meisten Stallmünzen sind an USD gebunden. Die größten Namen in Kryptowährungen sind Tether, Gemini Dollar, USDQ, TUSD und andere.
Wie schaffen es Stallmünzen, so stabil zu sein?
Im Gegensatz zu anderen frei fließenden Münzen erfordern stabile Kryptowährungen, dass jede Einheit mit einer Einheit der Fiat-Währung unterlegt ist. Zum Beispiel bindet Tether (USDT) eins zu eins 1 USDT an 1 USD. Auf diese Weise befinden sich Stallmünzen irgendwo zwischen Kryptowährungen und normalen Fischen. Tether basiert auf einer eigenen Blockchain, die auf Bitcoin-, Litecoin- und Ethereum-Systemen aufbaut.
Obwohl Tether die größte stabile Münze ist, gibt es eine Reihe von Bedenken hinsichtlich ihrer Funktionsweise. Das größte Problem ist die anhaltende Kontroverse um die Fiat-Reserven, die der Emittent im Verhältnis von 1: 1 zur Anzahl der ausgegebenen Tether-Einheiten speichern soll. Das Unternehmen hat angekündigt, dass die Prüfung in naher Zukunft stattfinden wird, aber erst vor einigen Wochen wurde behauptet, dass nicht nur das Bargeld, sondern auch Kredite an andere Unternehmen als Fiat-Rücklagen verbucht werden können. Diese Aussagen führten zu wachsendem Misstrauen bei Kryptofreunden.
Ein weiteres Projekt ist TrueUSD (TUSD). Es ist auch an den USD gebunden. Der Unterschied zu Tether ist die Offenheit für Audits und Transparenz. Das Unternehmen ist offen für Prüfungen durch Dritte und veröffentlicht die ordnungsgemäß geprüften Berichte über die von ihm gehaltenen Fiat-Reserven. Darüber hinaus genießen Benutzer rechtlichen Schutz.
USDC ist eine weitere stabile Münze, die von der berühmten Kryptowährungsbörse Circle erstellt wurde. Genau wie TUSD, wenn es Compliance und Transparenz bietet. Das große Problem all dieser Systeme ist die Tatsache, dass die Behörden damit die Gelder der Nutzer beschlagnahmen können, was die Idee der Dezentralisierung und Anti-Zensur, auf der Krypto basiert, völlig zunichte macht.
USDQ unterscheidet sich von anderen Stablecoins, da es nicht mehr von der Fiat-Währung, sondern von Bitcoin und anderen Top-10-Kryptowährungen in der Zukunft unterstützt wird. Auf diese Weise kann das Ökosystem den Umgang mit alten Finanzsystemen vermeiden. Durch den Überbesicherungsprozess wandelt USDQ hochvolatile Kryptowährungen in USD-gebundene USDQ um, die sich perfekt für die Speicherung von Werten und die Verarbeitung von Transaktionen in der externen Wirtschaft eignen, ohne dass das Risiko von Preisänderungen besteht. Die Münze wird von PLATINUM ENGINEERING entwickelt,wobei die kleine Community langsam um das Projekt wächst.

Warum brauchen wir Stallmünzen?
Stablecoins haben sich als neue Iteration für Kryptowährungen weiterentwickelt und ermöglichen es, Probleme wie hohe Volatilität und Interaktionen mit alten Finanzsystemen zu lösen.
Münzen wie USDQ sorgen dafür, dass verschiedene Mechanismen eingesetzt werden, um die Preise an der USD-Bindung zu stabilisieren. Trader können ihre Bitcoins problemlos in USDQ umtauschen und so die negativen Auswirkungen auf unerwünschte Kursänderungen verhindern. Stallmünzen sind sehr einfach zu verwenden, was ein Segen für technisch weniger versierte Anwender ist. Jeder Mensch auf der ganzen Welt kann schnell Fette in Stallmünzen umwandeln, ohne über zukünftige Preisänderungen nachdenken zu müssen und ohne sich über potenzielle Risiken für den Verlust seines Kapitals Gedanken machen zu müssen. In der Regel finden Sie an Krypto-Börsen immer verschiedene Stallmünzen, damit sich Händler schnell in Ställen und anderen Kryptos bewegen können.
Wie bereits erwähnt, profitieren grenzüberschreitende Zahlungen am meisten von der Verwendung der Stallmünzen. Diese hybride Art zwischen Fiat und Krypto wird dazu beitragen, den verborgenen Wert des Welthandels zu erschließen, der für die Interessengruppen einen Gewinn von Billionen Dollar bedeutet.
USDQ ist eine dezentrale stabile Münze , die mithilfe von Algorithmen eine höhere Stabilität und Zuverlässigkeit bietet. Das vollständig in der Kette befindliche und von Hochgeschwindigkeits-KI-Robotern überwachte Ökosystem bietet zuverlässige Abwehrmöglichkeiten gegen böswillige Handlungen und Angriffe. USDQ wird zum ersten Mal von PLATINUM ENGINEERING-Teams in Serie gebracht , die innovative Lösungen für die Besicherung unter Verwendung von Stabilisierungsmechanismen und Orakeln für langlebige Stallmünzen zusammenführen möchten. Völlig anonym durchbricht USDQ Grenzen dieser alten Welt.
PLATINUM ENGINEERING informiert offen über seine Entwicklung und Wachstumsfaktoren und ermöglicht es den Beteiligten, sich über die neuesten Lösungen im Bereich Blockchains / Krypto zu informieren. PLATINUM ENGINEERING hat bereits über 150 Krypto-Projekten geholfen, durch die aufkommende Blockchain-Wirtschaft der Zukunft zu wachsen. Unternehmen wären erstaunt über die neuen Funktionen, die sie durch die Tokenisierung ihrer Geschäftsmodelle, die Automatisierung routinemäßiger Geschäftsprozesse und die Gewinnung von Investoren auf Kryptomärkten erhalten können. Das Team begrüßt die Community, direkt über die offiziellen Gruppen in Telegram , Facebook oder LinkedIn Kontakt aufzunehmen . Die Leser werden lernen, wie sie durch die Nutzung der Blockchain in ihrem Blog neue Wettbewerbsvorteile erzielen können .
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Volkskrant, 3 januari: "Het is een merkwaardige sensatie je geld te zien verdampen - zo ziet het leven in de bitcoinbubbel eruit"

Het is een merkwaardige sensatie je geld te zien verdampen - zo ziet het leven in de bitcoinbubbel eruit
'Over een paar jaar lachen we erom... Of we huilen'
Was het de hang naar avontuur, het aanvoelen van de tijdgeest of gewoon geldzucht? Hoe dan ook: na enig aandringen zwichtte schrijver Daan Heerma van Voss voor de abstracte verleiding van de cryptomunten. Hij schetst hoe dat hem voorgoed veranderde.
Mijn cryptoverhaal begint in december 2016. Ik was met een goede vriend, laten we hem K. noemen, meegereisd naar een Marokkaans kustplaatsje waar vooral surfers kwamen. Of preciezer gezegd: lui die in de loop van het jaar genoeg hadden verdiend om tijdens de laatste weken van het jaar te doen alsof geld hen niet interesseerde en het leven draaide om vrijheid, golven en zon.
Zittend op het terrasje van het hostel begon K. over bitcoins. Als zoon van mijn vader zei ik bij voorbaat dat het oplichterij was. Stoïcijns vertelde hij verder. Een vriend van hem, een ict'er die in de ban was geraakt van het potentieel van digitale financiële innovaties, had een bedrijfje opgericht dat mensen tegen een commissie van 10 procent van de winst hielp bij het beleggen in cryptocurrency's (Zie uitleg op pagina V 7). K. was overtuigd door zijn vriend en vond dat ik mee moest doen. K.'s redenering: gewoon proberen. In het allerergste geval verlies je een paar duizend euro, in het gunstigste geval maak je een klapper. K. zou 5.000 euro beleggen, ik zou volgen met 3.000.
Helaas haperde de wifi van het hostel. Toen ik enkele dagen later weer in Nederland was en ik een mail van het bedrijfje kreeg, veranderde ik van koers. Bij nader inzien leek het me luchtfietserij. Ik zag ervan af. K. zette door. Die beslissing, die ik maar wijt aan een oer-Hollandse combinatie van calvinisme en lafheid heeft me 50 duizend euro 'gekost'.
Het spook van deze gemiste kans kwam me in de loop van 2017 regelmatig bezoeken, vooral wanneer ik K. sprak en hij weer eens vertelde over een vriend van hem die 300 euro had omgetoverd in 80 duizend euro. Ik besloot mijn contact met K. te minderen.
In november had ik eindelijk mijn trots opzijgezet en mijn scepsis overwonnen. Mijn boerenverstand zei me dat de digitale evolutie van de financiële wereld een logische en zelfs onvermijdelijke stap in de menselijke geschiedenis zou zijn. Ik mailde het bedrijfje dat ik alsnog graag een bitcoin kocht. Dat kon. De koers stond op 10 duizend dollar. En ik wilde een hele, niet een klein deel, wat ook had gekund. Dat leek me overzichtelijker en makkelijker bij het rekenen. Bovendien vond ik het beeld van een magische munt erg aanlokkelijk; misschien zou ik hem wel in een vitrine leggen.
Natuurlijk had ik niet overal bundeltjes van duizend liggen, 10 duizend dollar is voor mij een significant bedrag. Maar het zou ook niet het einde van de wereld zijn als ik het verloor. En was geld dat je misliep door niet te durven niet bijna even tastbaar als geld dat je mogelijkerwijs verloor door wél te durven? Met zulke drogredeneringen verleidde ik mezelf, totdat ik eindelijk het geld overmaakte. Op 28 november bezat ik officieel een bitcoin, ter waarde van tienduizend dollar. Tot mijn teleurstelling kreeg ik geen magische munt thuisgestuurd; de investering was geheel digitaal. Was dit een probleem? Betekende dit dat het inderdaad om luchtfietserij ging? In die weken dook overal het woord bubbel op.
Na lang nadenken meende ik van niet. Ik bezat ook reguliere aandelen, en wat wist ik daar nou precies van? Als ik de transacties volgde die de bank in mijn naam uitvoerde, kwam ik evenzeer in een digitale limbo terecht, een stelsel van plussen en minnen, van getallen in groen en in rood, waarvan ik niets begreep. Het hele financiële stelsel is nu eenmaal abstract. Cryptomunten zijn alleen extra abstract en natuurlijk extra volatiel. Terwijl ik me in het fenomeen verdiepte, begon ik ook dit soort woorden te gebruiken. Volatiel betekent niets anders dan onvoorspelbaar. En wat genoot ik ervan als mensen zo'n woord niet kenden en ik het mocht uitleggen, wat ik dan quasinonchalant deed.
Daar zat ik dan, november 2017, met mijn bitcoin. De prijs ging gestaag omhoog en van een internationale hype werd de munt een internationale obsessie. Goed nieuws voor mijn digital wallet. De ene kenner riep dat het een kwestie van tijd was voordat de bubbel zou barsten, de andere zei dat dit slechts het begin was van het succesverhaal van bitcoin. Ik besloot niets te doen, maar eerlijk is eerlijk: soms kon ik niet geloven dat ik echt 10 duizend euro in zo'n riskante onderneming had gestoken en moest ik mezelf bedwingen niet al mijn geld terug te vragen.
Beetje bij beetje maakte mijn onzekerheid plaats voor standvastigheid, en sloeg die standvastigheid om in hoogmoed. Op 17 december bereikte bitcoin zijn voorlopige hoogtepunt: één munt was nu 20 duizend dollar waard. Mogelijke vakantiebestemmingen verschenen in mijn gedachten. Kaapverdië, Madagascar, misschien Vuurland.
Maar toen het op de radio nog over weinig anders ging dan bitcoin, begon ik me zorgen te maken. Hoe meer huismoeders, leraren en studenten in de munt investeerden, hoe meer de reële prijs werd vertekend; bitcoin was overbought. Ook bleek ik een regelrechte cryptosnob te zijn. Elke keer dat ik een Bertus of Anja hoorde vertellen dat ze toch maar een stukje van zo'n munt hadden gekocht, kromp mijn maag ineen. Niet omdat ik hen minderwaardig vond, maar omdat ik wist dat zij mij waren en ik hen. En dat wilde ik niet. Mijn ego weigerde een plaatsje in de financiële mainstream.
Na met K. en zijn vrienden te hebben gesproken, meende ik dat de toekomst school in altcoins: crypto-munten die een alternatief (alt) vormen voor de bitcoin. Vele van deze altcoins waren technologisch verder ontwikkeld dan de bitcoin, ze waren nog goedkoop, en het was een kwestie van tijd voordat de markt zou uitdijen. Mijn kennismaking met cryptogeld had ertoe geleid dat al het geld als virtueel, onecht aanvoelde, ook dat op mijn bankrekening. Wat kon het dan voor kwaad om nog een beetje extra in te leggen, een klein beetje maar? Zolang ik het aan niemand vertelde, had ik niks verkeerds gedaan.
Ik legde nog eens 3.000 euro in bij de vriend van K. Maar hiermee was mijn onrust niet gestild. Ik besloot ook zelf te gaan handelen. Mijn sociale kring raadde me dit sterk af; meer nog dan dat ze de onvoorspelbaarheid van de markt - ze bedoelden natuurlijk volatiliteit - vreesden, waren ze bang dat ik me, gezien mijn verslavingsgevoeligheid, geheel zou verliezen in deze wereld. Zoals altijd zouden ze gelijk krijgen.
Ik downloadde Etoro, een app die het midden houdt tussen een social medium en een aandelenportefeuille: je kunt zelf beleggen maar ook met andere speculanten communiceren. Ik leegde al mijn digitale sokken en legde duizend dollar in. Op aanraden van K. kocht ik DASH, Ethereum, twee gangbare cryptomunten, en vooruit, nog een klein stukje bitcoin erbij.
Nu kwam ik dan eindelijk in de buurt van de kern van de crypto-ervaring: de laagdrempeligheid. Iedereen kan het doen. Het is een kwestie van een app downloaden, wat geld storten en zelf gaan kopen en verkopen. Financieel succes in de cryptowereld is niet voorbehouden aan de gladde jongens, de Gordon Gekko's, de Wolves of Wall Street. Het merendeel van de speculanten gokt, handelt op basis van een vage tip, volgt een trend, of doet eenvoudigweg maar wat. Winnaars in de cryptowereld zijn niet noodzakelijkerwijs winnaars in het echte leven. De vriend van K. die zijn 300 euro had getransformeerd in 80 duizend, was gewoon een jongen die voor zijn beroep rondleidingen verzorgde op de Wallen, graag in zijn joggingbroek door het huis liep en peukjes rookte onder de afzuigkap. De kern van zijn succes? Hij had een werkloze vriend een paar boeken over cryptocurrency's gegeven en gezegd: jij gaat dit helemaal doorgronden en samen gaan we geld verdienen. Zo geschiedde. Waarover je wel moet beschikken: stalen zenuwen. Daarover later meer.
Het in de gaten houden van de cryptokoers veranderde snel van een grapje in een dwangneurose. Ik controleerde zeker elk kwartier hoe het ervoor stond. Soms staarde ik minutenlang naar de immer fluctuerende cijfers en altijd als ik naar de wc ging, trok ik mijn telefoon uit mijn broekzak. Natuurlijk betreurde ik dit gedrag, maar het was alsof ik niet anders kon. Een blik op de koersen, even spieken, dat was toch niet zo'n ramp? Zo herken je een verslaving: niet aan de compulsie, maar aan het goedpraten ervan.
Ik moest duidelijke grenzen stellen, zei ik tegen mezelf. Ik bezwoer te zullen stoppen wanneer ik 25 procent van mijn inleg had verloren. Een bovengrens stelde ik niet. Dat laatste zou een vergissing blijken. Juist die grenzeloosheid maakt ongekend hebberig: je wilt altijd meer.
Tot mijn verrassing ging de koers telkens omhoog. Al in mijn eerste week had ik mijn 1.000 dollar omgezet in 1.200 dollar. Dagelijks luisterde ik nu naar de podcast van Crypto Bobby, een zelfverklaard crypto-analist uit Amerika, een dertiger die er duidelijk plezier in schepte dat hij, die nooit naar een Ivy League-universiteit was geweest, een online orakel was geworden. Crypto Bobby geloofde heilig in Ripple, een netwerk dat complexe internationale betalingen tussen financiële instellingen aanzienlijk vereenvoudigt.
Ik verkocht mijn kleine stukje bitcoin (en behield de hele) en zette in op Ripple. Door die zet zat ik de week erop op 1.700 dollar. De week dáárop, dus in drie weken in totaal, had ik mijn inleg verdubbeld, iets wat met normale aandelen vrijwel onmogelijk zou zijn geweest.
Het ritme van de koers was steeds hetzelfde: een aandeel ging steil omhoog, viel dan 10 tot 20 procent omlaag, en ging weer omhoog. Het is de truc om niet te panikeren bij zo'n val, die ingewijden 'een correctie' noemen. De echte cryptohandelaar blijft rustig. Tussen de speculanten, zo zag ik op de social media, heerst solidariteit. Ze communiceren in jargon. Het standaardcommentaar bij een vallende koers is HODL!, aanvankelijk een verkeerde spelwijze van HOLD!, maar inmiddels heeft het de status van acroniem gekregen: Hold On for Dear Life. ATH betekent All Time High. Een whale: een grote speler die de kleine spelers, het zogeheten plankton, intimideert en uiteindelijk opvreet. To the moon drukt een euforisch vertrouwen in een bepaalde coin uit. Maar als dat mislukt, ben je rekt, ofwel wrecked: financieel geruïneerd. En het grootste deel van de tijd verkeer je in FUD: Fear, Uncertainty and Doubt. Pas wanneer je gaat piepen als het tegenzit, verlies je het respect van de cryptogemeenschap; dan wordt je in niet misverstane bewoordingen gezegd dat je niet gemaakt bent voor de cryptowereld. Het financiële Wilde Westen is niet voor slappelingen.
Langzaam maar zeker beschouwde ik mezelf als ingewijde. Op feestjes veranderde ik in die ene eikel die steeds over zijn beleggingen praat. Mensen vroegen me dan of het niet allemaal een bubbel was. 'Tja', antwoordde ik dan, volleerd economisch mysticus, 'alles waar mensen in geloven zonder te weten waarom, is een bubbel.' Mijn humeur volgde in toenemende mate de grafiek van mijn coins: bij stijgingen was ik vrolijk, bij dalingen chagrijnig. Mijn geliefde zag deze transformatie met lede ogen aan, totdat ze bedacht dat ze wel erg graag bepaalde fluwelen sandalen van Yves Saint Laurent wilde hebben. Ze vroeg me 500 dollar voor haar te beleggen, wat ik met liefde deed. Zodra ik 250 dollar extra had verdiend, zou ze eruit stappen. Zonder haar hiervan te verwittigen, stortte ik nog wat eigen geld in 'haar' wallet, want zolang het niet in de mijne zat, telde het niet echt. Ik beheerde nu vier portefeuilles, die van mezelf, die van haar, mijn ene bitcoin, en mijn Altcoin-buideltje bij de vriend van K. Ik was kortom een bescheiden speler geworden.
En de zaken gingen goed. Binnen een week had ik 150 dollar voor mijn geliefde verdiend; de fluwelen sandalen waren binnen handbereik. Ik praatte mezelf aan dat ik er verstand van had, en waarom ook niet: alles wat ik aanraakte, veranderde in virtueel goud: to the moon! Toen ik op de kerstborrel van de krant, nadat ik natuurlijk weer over niks anders had gepraat dan cryptogeld, werd gevraagd dit stuk te schrijven, nam ik me voor mijn toekomstige inkomsten onmiddellijk om te zetten in crypto-munten. Ik was onoverwinnelijk. En toen brak 22 december aan. De dag die zou voortleven als de Red Webbing; een woordspeling op Red Wedding, een van de bloederigste afleveringen van Game of Thrones.
Al toen ik wakker werd en mijn eerste slaperige blik op de koersen wierp, wist ik dat het fout zat. Mijn 1.000 dollar was geslonken tot 800. Fear, Uncertainty, Doubt. Terwijl ik koffie zette, was dit gedaald tot 600. Hoe was dit mogelijk? Nergens was enig cryptonieuws te bespeuren. In de afgelopen twee weken was regelmatig gewaarschuwd voor het naderend barsten van de bubbel, er werd gezinspeeld op een op handen zijnde massale correctie, en sinds kort was het mogelijk 'short' te gaan op bitcoin en geld te zetten op het dalen of zelfs ineenstorten van de munt. Maar vandaag leek niets bijzonders aan de hand. Ik keek in mijn portefeuille: alles stond in het rood, werkelijk elke munt daalde sterk.
Dit kon twee dingen betekenen: ofwel de bubbel was inderdaad gebarsten, ofwel deze daling was gemanipuleerd door whales die de markt expres lieten dalen om het plankton de markt uit te jagen. Het laatste scenario leek me plausibeler: Goldman Sachs had zojuist een apart kantoor opgezet dat zich volgend jaar exclusief zou gaan bezighouden met cryptogeld, teken aan de wand dat het financiële establishment zich achter de revolutie schaarde, zodat de cryptomarkt alleen maar in waarde zou stijgen. Ik keek weer op mijn telefoon: 400 dollar eraf. Ik kreeg sms'jes van vrienden, die me aanraadden 'voor de zekerheid' al mijn cryptogeld te verkopen. Wat moest ik doen? Twee uiterst verwarrende uren later was er van mijn 1.000 dollar winst nog precies 15 dollar over, een daling van 6.666 procent. Ook mijn andere portefeuilles waren hard geraakt: in een tijdbestek van enkele uren had ik meer dan 10 duizend euro verloren. De fluwelen sandalen waren verder weg dan ooit. Verdwenen was Kaapverdië. Weg was Madagascar. Onvindbaar was Vuurland. Het was een uitgelezen moment in paniek te raken, wat ik dan ook deed.
In foetushouding op de bank gelegen maakte ik een ronde langs de sociale platforms. Natuurlijk waren er mensen die met de moed der wanhoop HODL! riepen, maar die waren veruit in de minderheid. Een of andere Duitser genaamd Rick zei: 'EVERYBODY! YOUR MONEY IS GONE. OVER, DEAD!' Ene Anna uit Frankrijk: 'This is it. We are witnessing history. The Red Webbing. Sell everything before it's too late.' Antwoord van Sebastian uit Amerika: 'It is too late. All my savings are gone. I am rekt.'
Hij stond niet alleen: honderdduizenden mensen waren op dit moment geld aan het verliezen dat ze nooit hadden mogen beleggen, levens werden overhoopgegooid, sommige vermoedelijk zelfs verwoest. Een speculant uit Australië verwees naar de recente zelfmoord van iemand die 15 duizend bitcoins had bezeten, ze na een daling allemaal had verkocht en zo vijftig miljoen dollar was misgelopen.
Het is een merkwaardige sensatie je geld te zien verdampen. Virtueel geld is virtueel zolang je het niet verliest. Zoals Mike Tyson ooit eloquent stelde: 'Everyone has a plan until they get punched in the mouth.' Mijn complottheorie was mooi, maar langzamerhand werd het andere scenario plausibeler: de hele markt was voorgoed ingestort. Bij zo'n afschuwelijke val, zo ervoer ik, is het niet zozeer het verlies zelf dat ondraaglijk is, maar de onzekerheid. Je weet eenvoudigweg niet wanneer de val ophoudt. Daarom kiest de onervaren belegger liever voor een negatieve zekerheid: verkopen op een slecht moment en dan maar een ampel maar nog net draaglijk verlies lijden. Een soortgelijk overlevingsinstinct nam ook mij in zijn bezit. Ik moest alles verkopen voor het niets meer waard was.
Maar voor ik dat deed, moest ik die vriend van K. te spreken krijgen, die, de winst van de afgelopen weken meerekenend, bijna 20 duizend dollar van mijn geld beheerde. Gelukkig nam hij meteen op. 'Ik geef geen advies', zei hij, 'daartoe voel ik me niet bevoegd. Ik kan je alleen zeggen wat ik weet: als ik nooit aan panic selling zou hebben gedaan, had ik nu vier keer zo veel op mijn bankrekening staan. Dit is een klassieke shake-out: er wordt aan de boom geschud en wie hier niet hoort, valt eruit. Iedereen die nog een mooi kerstcadeau wil kopen, stapt eruit. Iedereen die bang is, stapt eruit.' Het viel stil. 'En wat doe jij?' Wat hij eigenlijk vroeg: wie ben jij? Ben jij een HODL'er, een krijger, of ben je een doorsnee bangerik?
'Je hebt gelijk', zei ik met gemaakt lage stem. 'Gewoon blijven zitten.'
'Heel goed. Over een paar jaar lachen we erom.'
'Of we huilen.'
'Of we huilen', beaamde hij.
Toen pas vond ik de sleutel tot innerlijke rust. Ik dacht aan mijn gesprekken met Nederlandse militairen in Mali, toen ik daar embedded was. Zij zeiden dat ze zichzelf voor elke uitzending inbeeldden dat ze dood waren. Alleen op die manier konden ze angstvrij en rationeel handelen. Ik visualiseerde dat ik al mijn ingelegde geld kwijt was, ik was rekt. Ogen dicht. Diep inademen.
En op dat moment gebeurde iets wonderlijks. De val stokte. De paar dollars op mijn rekening die nog groen waren, bleven groen. En vlak daarna begonnen de koersen weer te stijgen. Ik zette opnieuw koffie en ik had weer 200 dollar. Toen het journaal over de grote cryptoval repte, gingen alle munten alweer steil omhoog. Nadat ik de aardappels had geschild, zat ik op 500. En 's avonds bij het eten waren vrijwel al mijn winsten weer terug. Het was alsof er niets was gebeurd.
De enigen die vandaag verlies hadden geleden, waren de mensen die hun intuïtie hadden gevolgd, die hadden verkocht. Dat was de les van vandaag: alle brave mensen die hun geld als reëel beschouwden, die het zich eigenlijk niet konden permitteren te verliezen, waren gestraft. En zij die tegen alle impulsen in op het laagste punt hadden ingekocht, de grote banken, de whales en de rijkeluizen, waren beloond. De cryptowereld is weliswaar voor iedereen toegankelijk, begreep ik nu, maar alleen degenen die zich de luxe kunnen veroorloven geld als speelgeld te beschouwen, zijn bestand tegen de wetteloosheid die er heerst.
En ik? Heeft deze historische dag mij veranderd?
Toch wel. Sindsdien kijk ik niet meer zo vaak naar de koersen. Ik geloof het wel. Ik heb de Red Webbing doorstaan, ik ben al eens uit de financiële dood opgestaan, mij kan niks meer gebeuren. Nog altijd geloof ik dat de behoefte aan digitale innovaties de komende jaren en decennia alleen maar zal stijgen en vrijwel alle cryptovoorspellingen sterken me in mijn overtuiging. (Crypto Bobby weet het echt heel zeker; in 2018 wordt hij multimiljonair.) Maar ik heb een nieuwe tactiek. Over een paar jaar kijk ik wat mijn munten waard zijn, de dagelijkse koersen zal ik niet meer volgen. Die koersen zullen scherp stijgen, scherp dalen en uiteindelijk vermoedelijk weer omhoog gaan. Maar het dunne lijntje dat de koersen verbond aan mijn gemoed, is geknapt.
Op een van de eerste dagen van het nieuwe jaar zwaait ergens in Amsterdam de deur van een kledingzaak open. Mijn geliefde en ik komen binnen, schuifelen rond en leggen een paar fluwelen sandalen op de toonbank. We betalen met echt geld, dat knispert, dat muf ruikt, dat door duizenden handen is aangeraakt. Niemand die weet dat dit geld is geboren in de bubbel die voor even mijn leven was.
Daan Heerma van Voss' STOOMCURSUS CRYPTOCURRENCY
Met cryptocurrency kun je echt betalen, maar er is geen bescherming van regels of instanties.
Cryptocurrency's, ook wel cryptomunten genoemd, zijn digitale munteenheden die het bestaande geldsysteem aanvullen en op den duur zelfs grotendeels zouden kunnen vervangen. Cryptomunten zijn geen echte munten, het zijn veeleer computerprogramma's, of toepassingen die het digitale financiële verkeer vergemakkelijken, waarvan de koers fluctueert op de open markt. Vrijwel alle cryptomunten zijn gedecentraliseerd: er is geen centrale instantie als een nationale bank of regelgever of overheid bij betrokken. Daarom zijn cryptomunten uitstekend geschikt voor internetgebruik.
De eerste cryptomunt in de geschiedenis was de bitcoin. Bitcoin is bedacht door whizzkids die rondom de beurskrach van 2008 hun vertrouwen in de oude economie waren kwijtgeraakt en op zoek gingen naar een nieuw systeem. In datzelfde jaar werd de munt geïmplementeerd. Een bitcoin heeft veel toepassingen. Je kunt er onder meer goederen mee kopen, je kunt er diensten mee betalen, je kunt ermee speculeren en je kunt ze omruilen voor fysiek geld. Transacties met bitcoin zijn direct, je betaalt nauwelijks transactiekosten en de munt biedt een grote mate van anonimiteit.
In ouderwetse termen gedacht, kan de bitcoin het beste worden gezien als digitale goudstaaf: het is de oer-cryptomunt, die van alle cyptomunten door de meeste banken wordt geaccepteerd. De kans dat de bitcoin (al) zijn waarde verliest is daarom nihil.
Elke cryptomunt stoelt op een technologische innovatie, die slechts weinigen echt begrijpen en waarvan niemand weet of die duurzaam is. Daarom is ook moeilijk te doorgronden waarom de ene munt daalt en de andere stijgt. Deze massale onwetendheid vergroot de volatiliteit (onvoorspelbaarheid) zeer.
Een stijging van een bepaalde munt wordt automatisch versterkt, omdat mensen vermoeden dat er een reden achter de stijging zit en ze de boot niet willen missen. Daling van een bepaalde munt wordt evenzeer versterkt, omdat mensen bang zijn dat de bubbel barst. En aangezien de cryptomarkt grotendeels door amateurs wordt bestierd, hebben deze basale emotionele impulsen een extreem grote weerslag op de dagelijkse koers.
In de cryptowereld is het moeilijk betrouwbare informatie in te winnen. De mensen die roepen dat de crypto-economie exponentieel zal blijven groeien, doen dat deels uit eigenbelang: ook zij hebben er geld in zitten.
Maar de nationale regeringen en bankenconcerns die blijven volhouden dat de bubbel binnenkort zal barsten, doen dat vaak ook niet uit liefdadigheid. Menig land dat de bitcoin eerst heeft veroordeeld - zoals Rusland of China - blijkt dit vooral te hebben gedaan om de prijs te drukken. Achter de schermen kochten ze voor miljarden aan cryptomunten, waarna ze de nieuwe economie toch maar omarmden, en zo een grote winst opstreken.
Is dat legaal? Niemand weet het. De financiële regelgeving ligt ver achter op de cryptowerkelijkheid. Er is geen bescherming, geen financiële autoriteit waartoe je je kunt wenden bij grote verliezen, en als je gehackt wordt, ben je alles kwijt. Nog zo'n term die ik als cryptonovice vaak tegenkwam: de cryptowereld is het financiële Wilde Westen.
submitted by F1service to Ethtradernl [link] [comments]

Patron; Influencing the Influencers' Social Media Marketing

“….while influencer marketing rose to prominence as a raw, credible antidote to the slick world of television and glossy magazines, it has metamorphosed into something every bit as calculated”

If anyone sees Jolie striking these different poses, one can tell that she has done this more than a few times before. Tousle her blonde hair sideways. Smile. Look at the camera. Look away. Reposition the Calvin Klein hang bag. Add sunglasses. Cross legs. Change heels. Repeat. More camera clicks. The photographer — snapping away at the centre of attention in the sun splashed walkway, that’s painted of golden hue, intermittently chimes in bits of advice. “Grin” he gestures at one point, prompting Jolie to show in a better and wider way, her good set of dentition. He adds, “Let me take some more of those Calvin Klein brands against that”. Betting that the Leopard skin bags will pop against a beige block of concrete beautified by the sun’s golden evening hue.

You may think Jolie is a model. No. She’s not. Jolie is a full time mom. Her photographer is not a professional, either. He’s her husband. And Jolie puts on this ensemble in a busy beautiful walkway outside a mall across the street where she lives.

In the dark corner of her room, a young woman scrolls through the Instagram blog of Jolie. She clicks, flicks and zooms on every picture as not to miss a thing about the ‘perfect lifestyle’ of Jolie. Samantha has become morbidly obsessed by Instagram-famous blogger Jolie.
It would be easy to notice that Samantha becomes infatuated by Jolie’s seemingly perfect life and would in not time, mimic her every action, which she eventually does. Jolie posts a quote from a book she’s currently reading, Atomic Habits by James Clear and Samantha quickly orders it online. Jolie posts a picture of her breakfast at her favorite bagel restaurant, Samantha gets a bagel for lunch that same day! Not to mention, Samantha has now ordered for a Calvin Klein bag, sets of jewelries and perfumes too.
Wait, No. So Jolie is not actually living a fake life. She’s not a celebrity too. She’s just a Social Media Influencer. It’s all part of her effort to gain a moderate slice of the parvenu opportunities retailers and megabrands are funneling to everyday women and men who thanks to the social media, have amassed great followings or large number of followers for their blogs, Facebook page, Instagram feeds, Twitter handle or Snapchat stories.

So I said Jolie is just a Social Media Influencer, and for the purpose of this post, I’ll be calling her or her types, SMI(s).

Social media promotion has evolved over the years and advertising products via SMIs can be easily classified as a form of subconscious marketing. This type of marketing has grown because for ages, brands and advertisers have been seeking to shape consumers’ thoughts, attitudes, desires and behavior, without us even being aware of it. And the weird truth is, they’ve been amazingly successful!
Who these SMIs are and why is this hidden method of online advertising emerging as one of the leading online strategy? And…. Won’t you want to know, what makes them so attractive for online marketers? What makes their opinion so powerful to their followers too?
The idea of consumer behavior being closely relayed with cognitive biases is not far-fetched. Take for example, that of Jolie (our SMI) and Samantha. The way in which consumers are affected by influencer marketing can be vividly seen here.
But how could Jolie get this effective? It’s simple.
Samantha can easily relate with Jolie in her inbox and thus, trusts her than normal advertising models. Jolie is attractive and human are normally attracted to beautiful things or beings than otherwise. Jolie has credibility and social proof. Jolie has a millennial crowd of followers.
One of the many reasons, several brands and companies reach out to these influencers is because their followers value their opinion. For some women, it's simply going to Instagram to get ideas about what type of dress they should wear on a night out or what to eat like Samantha.
Companies and advertising companies regard these SMIs, like our Jolie, as relatable and effective messengers for their goods. Companies pay them in fees or free products, resulting in sponsored posts on Social Network Services(SNS).

Who are Social Media Influencers?

Well, basically in its simplest term, they are everyday people like you and me. They’re people who have a passion and aren’t afraid to tell the world about it. Whether that’d be writing, cooking, fashion and lifestyle(like our Jolie), comedy, gaming…. Just name it.
Then by posting about these passions on social media, influencers have gained immense online popularity, allowing them to shape and influence people’s perspective or even directly determine their audience take on matters through memes, blog posts, videos, pictures, tweets, etc
Now, the SMIs has been vastly utilized in a system called a sharing economy. A sharing economy is such were people come together to share resources in a way that profits everybody. This is called a Win-Win situation for all in the economy. Common examples of sharing economies are the Airbnb, Uber, Snapgoods, etc. The common thing among all economies is that they ensure that unused or underutilized resources are made available to others at a cost in an effective, fast, safe and efficient system. The SMIs economy hasn’t been left out of this. SMIs are hired by clients or host companies to promote their services or goods but so far, the system has not been without its own problems.
Few of those problems include;
• Problem of finding the right top influencer for a brand's business promotion, due to heterogeneous crowd of followers of some influencers. Heterogeneous in the sense that, some influencers have a mixed group of followers with different interests. So this makes it hard for companies to pinpoint a perfect influencer for their business. • Deadline change of contracts details and new targets to meet(mostly done by sponsors)
• Reduced revenue for influencers due to absence of a good connecting network and the presence of third parties or middlemen.
• Sparse distribution of revenue. This implies that only the top and most popular social influencers get more revenue irrespective of their niche or the type of their audience(followers).
• False account deception by cyber thieves as influencers to companies and general insecurity of influencers' accounts. Due to need of contracts agreements between companies and influencers, influencers may be deceived to leak their information to imposters and thus, accounts hacks.
So, the next part of this article is going to talk about a platform built on the blockchain that is the solution to the social media influencing sharing economy setbacks.
The platform is PATRON.
Patron is a platform built on the blockchain that creates a link and sustainable economy between organizations, influencers and their social media followers. Patron links the social media world and the blockchain. Patron was created by a brilliant Japanese team and American citizens. The project which is modelled after the Airbnb economy sharing concept leverages the connection between the social media participants to promote enterprises. These participants are the influencers, the sponsors and the fan base. We are going to look into these categories of participants and roles of these participants on Patron later in this article.
The Patron sharing economy is fashioned on the principle that influencers can be used as an effective channel for businesses to reach a wider audience of ‘same-interest' followings/followers and let influencers and host companies connect with each other and see the rating of each influencer personality on the overall economy on Patron. This will help organizations reach out to specific followers demographic on social media and perfectly draw out the anticipated result of marketing activity of contracted influencers.
Since it is powered by the blockchain technology, Patron removes the need for a third-party credit facility through the use its token to fuel economic activity on the platform. This will initiate trustless transactions between Patron users and they will all have access to all transaction records which are immutably stored on the blockchain. Futhermore, this token called the PAT token will also serve as a medium of value exchange between sponsors, influencers and fans.
Influencers(SMIs) Influencers are people who can initiate smart contracts with sponsors via Patron to secure a constant stream of revenue over a length of time. This maybe of on the spot monthly or yearly. This means that the influencer gets paid to promote a sponsor's material based on a well stated agreement characterized by time and money. Influencers can also advertise themselves to sponsors based to give the sponsor variety of information about them like an fee charged, availability, work portfolio and their reputation too..
Sponsors or Businesses They are also called guests. They can go into contracts with influencers and have a guaranteed results on their business promotion based on the influencer's influence and number of specialized followings.
Fans These are the influencers' social followers or lovers whom the influencers have won their trusts. They can be largely influenced by the influencers’ actions and opinions. They benefit from the better content generated due to the monetization of their attention and time.
How Patron Evaluate Influencers and Screen Potential Hosts
Potential Hosts can only be recognized as hosts or sponsor con the Patron platform whether as a group or an individual when they have passed through a screening process. In this screening exercise, they are required to reveal their agency details and financial strengths.
Influencers are measured and rated according to: 1. Number of followers: Although this isn’t an absolute factor as Patron isn’t fashioned after quantity but quality ( that is, when compared to the quality or type of followers) but it is also taken into consideration.
  1. Engagement rate on influencer’s page, posts or tweets.
  2. Reviews and Reputation of influencers on their social media page.
With this, sponsor companies can easily anticipate the effectiveness of their marketing campaign, which was not possible until now, by employing Patron influencers which have being categorized as shown above and ranked based on their followings. Consequently, ratings ensures influencers are priced accurately and sufficiently by a sponsor company who are interested in reaching a good number of its targeted audience.
The Core Services of Patron as stated are:
1.Sharing the influencer's SNS delivery frame at the spot. (Pay every time) 2.Share an Influencer exclusively for several months (Pay monthly). 3.Acquire favorite influencers and monopolize (annual contract)
Other services include: 1. Patron Live : This allows fans to follow their influencers just from one app instead of downloading various social media apps. The Patron Live is compatible to more than 10 different apps with the leading one like YouTube, Facebook, Instagram, etc inclusive. Influencers wil also be able to make broadcasts from the Patron Live.
  1. Patron Academy : This is a service is powered by the Patron PAT token. Here, fans benefit from the wealth of knowledge embedded in Patron as they undergo trainings necessary to build an audience. Influencers can also use the consultancy service provided here.
  2. Patron's Crowdfunding 2.0
  3. Patron's Messenger
Patron Functions ncludes:
  1. Patron offers services that helps connect the best and most affordable(price categorization) influencers to the right companies at just a glance or click away
  2. Patron categorizes the influencers by the type of content they create, in this way the right companies can be connected to them.
  3. Safe and secured interactions and accounts identity through the blockchain.
  4. Elimination of middle men and intermediaries, thus, faster and cheaper transactions.
Specifically, what benefits do Patron offer to Hosts, Influencers and Fans?
Influencers On Patron, there will be no need to submit personal information such as credit cards and the likes to anybody.
Higher revenue and appropriate disbursement of revenue opportunities for influencers
Influencers can also advertise themselves to sponsors on Patron
To Businesses
Wider visibility to a specified audience. Low advertising fee charge.

Easy access to millions of blockchain users

To Fans Increase in amount of quality content Easy access to better products and intimate communication with influencers
The Patron Token The PAT utility token is the standard currency of the Patron ecosystem. PAT is an ERC-20 Token based on the Ethereum blockchain. PAT is used to power all the activities and operations on Patron.
The PAT Token ICO is done and raised over 40 million USD in sales.
PAT is already listed and is currently featured on CoinmarketCap and can also be bought from major exchanges.
PAT will serve as an utility token through the following means; It will be used by influencers to reward fans for events, contests and promotion It will be used sponsors to actively engage with influencers and utilize their networks of fan base.
It will be used by fans to promote the content of the influencers they trust and follow through “likes”. These ‘likes’ raises the ratings(this is the review) of Influencers, which in turn raise their marketability.
Use Cases:
Emilia and EasyBuy: An online retailer known as EasyBuy is known for selling affordable furniture and general home goods. Visibly, a large portion of their audience is active on Instagram. But getting to them is a problem. They have opened up an Instagram page but the page only attracted the attention of their old customers and the stream of new customers is very low. Eventually, they did their homework on social media influencers business and realized that for each dollar spent on influencer marketing, marketers see an average of $7.65 in earned media value returned and that the biggest platform for influencer marketing can be found on Instagram. Also for years, one of the biggest challenges for influencers on Instagram was getting followers to go from looking at a photo to going to their website and making a purchase. But that changed in 2017 when Instagram installed out new shopping features where users can just be directed to the purchase page by clicking on the ‘bag icon' on a picture. These new found truths, increased the interest of EasyBuy in hiring a an influencer but the biggest problem was yet to be unveiled and that was how to get the best Instagram influencer. Through Patron, EasyBuy got exposed to a variety of Influencers and the specialty of their audience. Eventually, they picked Emilia who is a retired fashion designer but now blogs about raising kids and family life from home. Patron connects Emilia and EasyBuy. Giving Emilia an opportunity to earn from her social blog while providing EasyBuy with the best and affordable influencer that’d churn in more profits and give them a better outlook socially, on Instagram. Now, on Patron, EasyBuy and Emilia can draw up a contract without involving a third party, thanks to the blockchain.
Chase and Crate Gaming:
Chase is a YouTube social influencer with over 20 million subscribers. He makes video games reviews videos and posts it on his channel while creating and playing game challenges that indulges a lot of gamers around the world. He has a bag full of subscribers and fans in his hands.
Crate Gaming is a gaming company who just developed and released a new game, The Chase. It’s game similar to any other racing game this is unique because people are not just racing in cars or bikes, or being chased about like the SubWay Surf game but here, it’s a racing and action packed entertainment where a character called Chase, has to run away after masterminding a prison break. Crate Gaming got wind of Chase channel and it’s just a beautiful coincidence that the name is the same, so they want to hire Chase. But they want weigh other options first to see if Chase’s still the best choice around. Well, they realized Patron offers that and more. Fortunately too, Chase is on Patron. They weighed the options and finally opted for Chase. Patron being built on the blockchain offers Chase and Crate Gaming the deluxe method of creating a contract without involving escrows or third parties while ensuring that all details of the contracts can’t be tampered with.
Synopsis
Conclusively, Patron is the building a ‘first of its kind' ecosystem connecting the sharing economy of the social networks and the blockchain. From the influencers to the sponsors then down to the fans, everybody benefits. It is a win-win situation for everybody. Patron utilizes the unused attention given to specific non popular influencers and make them relevant to the right kind of people. The companies don’t have to search far either, Patron brings everything to their doorstep while creating quality content for the fans. Security and all related problems are eliminated by the blockchain while the Patron platform and services takes care of others. Amazing isn’t it?
However, in case you missed just how popular social media influencers have become, take a look the staggering numbers recently reported. It is reported in 2017, that the term “influencer marketing” increased by 325% in Google searches….making this the fastest-growing online acquisition method of the year!!
It is also predicted that this trend is likely to continue in the future, as approximately 65% of marketing departments are looking to increase their budget for influencer marketing over the next year. Marketers are expected to invest an average budget of $25,000 to $50,000 into various facets of influencer campaigns.
Patron is changing the marketing and sharing economy of the social world… won’t you love to be a part of it?
submitted by GospelNathaniel to cateredcontent [link] [comments]

Bi-Weekly Rational Feed

===Highly Recommended Articles:
Just Saying What You Mean Is Impossible by Zvi Moshowitz - "Humans are automatically doing lightning fast implicit probabilistic analysis on social information in the background of every moment of their lives." This implies there is no way to divorce the content of your communication from its myriad probabilistic social implications. Different phrasings will just send different implications.
In Defense Of Individualist Culture by Sarah Constantin (Otium) - A description of individualist culture. Criticisms of individualist culture: Lacking sympathy, few good defaults. Defenses: Its very hard to change people (psychology research review). A defense of naive personal identity. Traditional culture is fragile. Building a community project is hard in the modern world, prepare for the failure modes. Modernity has big upsides, some people will make better choices than the traditional rules allow.
My Current Thoughts On Miris Highly Reliable by Daniel Dewey (EA forum) - Report by the Open Phil AI safety lead. A basic description of and case for the MIRI program. Conclusion: 10% credence in MIRI's work being highly useful. Reasons: Hard to apply to early agents, few researchers are excited, other approaches seem more promising.
Conversation With Dario Amodei by Jeff Kaufman - "The research that's most valuable from an AI safety perspective also has substantial value from the perspective of solving problems today". Prioritize work on goals. Transparency and adversarial examples are also important.
Cfar Week 1 by mindlevelup - What is working at CFAF actually like. Less rationality research than anticipated. Communication costs scale quadratically. Organization efficiency and group rationality.
The Ladder Of Interventions by mindlevelup - "This is a hierarchy of techniques to use for in-the-moment situations where you need to “convince” yourself to do something." The author uses these methods in practice.
On Dragon Army by Zvi Moshowitz - Long response to many quotes from "Dragon Army Barracks". Duncan't attitude to criticism. Tyler Durden shouldn't appeal to Duncan. Authoritarian group houses haven't been tried. Rationalists undervalue exploration. Loneliness and doing big things. The pendulum model of social progress. Sticking to commitments even when its painful. Saving face when you screw up. True Reliability: The bay is way too unreliable but Duncan goes too far. Trust and power Dynamics. Pragmatic criticism of the charter.
Without Belief In A God But Never Without Belief In A Devil by Lou (sam[]zdat) - The nature of mass movements. The beats and the John Birchers. The taxonomy of the frustrated. Horseshoe theory. The frustrated cannot derive satisfaction from action, something else has to fill the void Poverty, work and meaning. Mass movements need to sow resentment. Hatred is the strongest unifier. Modernity inevitably causes justified resentment. Tocqueville, Polyanai, Hoffer and Scott's theories. Helpful and unhelpful responses.
On The Effects Of Inequality On Economic Growth by Artir (Nintil) - Most of the article tries to explain and analyze the economic consensus on whether inequality harms growth. A very large number of papers are cited and discussed. A conclusion that the effect is at most small.
===Scott:
Two Kinds Of Caution by Scott Alexander - Sometimes boring technologies (ex container ships) wind up being far more important than flashy tech. However Scott argues that often the flashy tech really is important. There is too much contrarianism and not enough meta-contrarianism. AI risk.
Open Road by Scott Alexander - Bi-weekly public open thread. Some messages from Scott Alexander.
To The Great City by Scott Alexander - Scott's Karass is in San Fransisco. He is going home.
Open Thread 78 75 by Scott Alexander - Bi-weekly public open thread.
Why Are Transgender People Immune To Optical Illusions by Scott Alexander - Scott's community survey showed, with a huge effect size, that transgender individuals are less susceptible to the spinning mask and dancer illusions. Trans suffer from dis-associative disorder at a high rate. Connections between the two phenomena and NDMA. Commentary on the study methodology.
Contra Otium On Individualism by Scott Alexander (Scratchpad) - Eight point summary of Sarah's defense of individualism. Scott is terrified the market place of ideals doesn't work and his own values aren't memetically fit.
Conversation Deliberately Skirts The Border Of Incomprehensibility by Scott Alexander - Communication is often designed to be confusing so as to preserve plausible deniability.
===Rationalist:
Rethinking Reality And Rationality by mindlevelup - Productivity is almost a solved problem. Much current rationalist research is very esoteric. Finally grokking effective altruism. Getting people good enough at rationality that they are self correcting. Pedagogy and making research fields legible.
The Power Of Pettiness by Sarah Perry (ribbonfarm) - "These emotions – pettiness and shame – are the engines driving epistemic progress" Four virtues: Loneliness, ignorance, pettiness and overconfidence.
Irrationality is in the Eye of the Beholder by João Eira (Lettuce be Cereal) - Is eating a chocolate croissant on a diet always irrational? Context, hidden motivations and the curse of knowledge.
The Abyss Of Want by AellaGirl - The infinite regress of 'Asking why'. Taking acid and ego death. You can't imagine the experience of death. Coming back to life. Wanting to want things. Humility and fake enlightenment.
Epistemic Laws Of Motion by SquirrelInHell - Newton's three laws re-interpreted in terms of psychology and people's strategies. A worked example using 'physics' to determine if someone will change their mind. Short and clever.
Against Lone Wolf Selfimprovement by cousin_it (lesswrong) - Lone wolf improvement is hard. Too many rationalists attempt it for cultural and historical reasons. Its often better to take a class or find a group.
Fictional Body Language by Eukaryote - Body language in literature is often very extreme compared to real life. Emojis don't easily map to irl body language. A 'random' sample of how emotion in represented in American Gods, Earth and Lirael. Three strategies: Explicitly describing feelings vs describing actions vs metaphors.
Bayesian Probability Theory As Extended Logic A by ksvanhorn (lesswrong) - Cox's theorem is often cited to support that Bayesian probability is the only valid fundamental method of plausible reasoning. A simplified guide to Cox's theorem. The author their paper that uses weaker assumptions than Cox's theorem. The author's full paper and a more detailed exposition of Cox's theorem are linked.
Steelmanning The Chinese Room Argument by cousin_it (lesswrong) - A short thought experiment about consciousness and inferring knowledge from behavior.
Ideas On A Spectrum by Elo (BearLamp) - Putting ideas like 'selfishness' on a spectrum. Putting yourself and others on the spectrum. People who give you advice might disagree with you about where you fall on the spectrum. Where do you actually stand?
A Post Em Era Hint by Robin Hanson - In past ages there were pairs of innovations that enabled the emulation age without changing the growth rate. Forager: Reasoning and language. Farmer: Writing and math. Industrial: Computers and Digital Communication. What will the em-age equivalents be?
Zen Koans by Elo (BearLamp) - Connections between koans and rationalist ideas. A large number of koans are included at the end of the post. Audio of the associated meetup is included.
Fermi Paradox Resolved by Tyler Cowen - Link to a presentation. Don't just multiply point estimates. Which Drake parameters are uncertain. The Great filter is probably in the past. Lots of interesting graphs and statistics. Social norms and laws. Religion. Eusocial society.
Developmental Psychology In The Age Of Ems by Gordan (Map and Territory) - Brief intro to the Age of Em. Farmer values. Robin's approach to futurism. Psychological implications of most ems being middle aged. Em conservatism and maturity.
Call To Action by Elo (BearLamp) - Culmination of a 21 article series on life improvement and getting things done. A review of the series as a whole and thoughts on moving forward.
Cfar Week 1 by mindlevelup - What is working at CFAF actually like. Less rationality research than anticipated. Communication costs scale quadratically. Organization efficiency and group rationality.
Onemagisterium Bayes by tristanm (lesswrong) - Toolbox-ism is the dominant mode of thinking today. Downsides of toolbox-ism. Desiderata that imply Bayesianism. Major problems: Assigning priors and encountering new hypothesis. Four minor problems. Why the author is still a strong Bayesianism. Strong Bayesians can still use frequentist tools. AI Risk.
Selfconscious Ideology by casebash (lesswrong) - Lesswrong has a self conscious ideology. Self conscious ideologies have major advantages even if any given self-conscious ideology is flawed.
Intellectuals As Artists by Robin Hanson - Many norms function to show off individual impressiveness: Conversations, modern songs, taking positions on diverse subjects. Much intellectualism is not optimized for status gains not finding truth.
Just Saying What You Mean Is Impossible by Zvi Moshowitz - "Humans are automatically doing lightning fast implicit probabilistic analysis on social information in the background of every moment of their lives." This implies there is no way to divorce the content of your communication from its myriad probabilistic social implications. Different phrasings will just send different implications.
In Defense Of Individualist Culture by Sarah Constantin (Otium) - A description of individualist culture. Criticisms of individualist culture: Lacking sympathy, few good defaults. Defenses: Its very hard to change people (psychology research review). A defense of naive personal identity. Traditional culture is fragile. Building a community project is hard in the modern world, prepare for the failure modes. Modernity has big upsides, some people will make better choices than the traditional rules allow.
Forget The Maine by Robin Hanson - Monuments are not optimized for reminding people to do better. Instead they largely serve as vehicles for simplistic ideology.
The Ladder Of Interventions by mindlevelup - "This is a hierarchy of techniques to use for in-the-moment situations where you need to “convince” yourself to do something." The author uses these methods in practice.
On Dragon Army by Zvi Moshowitz - Long response to many quotes from "Dragon Army Barracks". Duncan't attitude to criticism. Tyler Durden shouldn't appeal to Duncan. Authoritarian group houses haven't been tried. Rationalists undervalue exploration. Loneliness and doing big things. The pendulum model of social progress. Sticking to commitments even when its painful. Saving face when you screw up. True Reliability: The bay is way too unreliable but Duncan goes too far. Trust and power Dynamics. Pragmatic criticism of the charter.
===AI:
Updates To The Research Team And A Major Donation by The MIRI Blog - MIRIr received a 1 million dollar donation. Two new full-time researchers. Two researchers leaving. Medium term financial plans.
Conversation With Dario Amodei by Jeff Kaufman - "The research that's most valuable from an AI safety perspective also has substantial value from the perspective of solving problems today". Prioritize work on goals. Transparency and adversarial examples are also important.
Why Don't Ai Researchers Panic by Bayesian Investor - AI researchers predict a 5% chance of "extremely bad" (extinction level) events, why aren't they panicking? Answers: They are thinking of less bad worst cases, optimism about counter-measures, risks will be easy to deal with later, three "star theories" (MIRI, Paul Christiano, GOFAI). More answers: Fatal pessimism and resignation. It would be weird to openly worry. Benefits of AI-safety measures are less than the costs. Risks are distant.
Strategic Implications Of Ai Scenarios by (EA forum) - Questions and topics: Advanced AI timelines. Hard or soft takeoff? Goal alignment? Will advanced AI act as a single entity or a distributed system? Implication for estimating the EV of donating to AI-safety. - Tobias Baumann
Tool Use Intelligence Conversation by The Foundational Research Institute - A dialogue. Comparisons between humans and chimps/lions. The value of intelligence depends on the available tools. Defining intelligence. An addendum on "general intelligence" and factors that make intelligence useful.
Self-modification As A Game Theory Problem by (lesswrong) - "If I'm right, then any good theory for cooperation between AIs will also double as a theory of stable self-modification for a single AI, and vice versa." An article with mathematical details is linked.
Looking Into Ai Risk by Jeff Kaufman - Jeff is trying to decide if AI risk is a serious concern and whether he should consider working in the field. Jeff's AI-risk reading list. A large comment section with interesting arguments.
===EA:
Ea Marketing And A Plea For Moral Inclusivity by MichaelPlant (EA forum) - EA markets itself as being about poverty reduction. Many EAs think other topics are more important (far future, AI, animal welfare, etc). The author suggests becoming both more inclusive and more openly honest.
My Current Thoughts On Miris Highly Reliable by Daniel Dewey (EA forum) - Report by the Open Phil AI safety lead. A basic description of and case for the MIRI program. Conclusion: 10% credence in MIRI's work being highly useful. Reasons: Hard to apply to early agents, few researchers are excited, other approaches seem more promising.
How Can We Best Coordinate As A Community by Benn Todd (EA forum) - 'Replaceability' is a bad reason not to do direct work, lots of positions are very hard to fill. Comparative Advantage and division of labor. Concrete ways to boost productivity: 5 minute favours, Operations roles, Community infrastructure, Sharing knowledge and Specialization. EA Global Video is included.
Deciding Whether to Recommend Fistula Management Charities by The GiveWell Blog - "An obstetric fistula, or gynecologic fistula, is an abnormal opening between the vagina and the bladder or rectum." Fistula management, including surgery. Open questions and uncertainty particularly around costs. Our plans to partner with IDinsight to answer these questions.
Allocating the Capital by GiveDirectly - Eight media links on Give Directly, Basic Income and Cash Transfers.
Testing An Ea Networkbuilding Strategy by remmelt (EA forum) - Pivot from supporting EA charities to cooperating with EA networks. Detailed goals, strategy, assumptions, metrics, collaborators and example actions.
How Long Does It Take To Research And Develop A Vaccine by (EA forum) - How long it takes to make a vaccine. Literature review. Historical data on how long a large number of vaccines took to develop. Conclusions.
Hi Im Luke Muehlhauser Ama About Open by Luke Muelhauser (EA forum) - Animal and computer consciousness. Luke wrote a report for the open philanthropy project on consciousness. Lots of high quality questions have been posted.
Hidden Cost Digital Convenience by Innovations for Poverty - Moving from in person to digital micro-finance can harm saving rates in developing countries. Reduction in group cohesion and visible transaction fees. Linked paper with details.
Projects People And Processes by Open Philosophy - Three approaches used by donors and decision makers: Choose from projects presented by experts, defer near-fully to trusted individuals and establishing systematic criteria. Pros and cons of each. Open Phil's current approach.
Effective Altruism An Idea Repository by Onemorenickname (lesswrong) - Effective altruism is less of a closed organization than the author thought. Building a better platform for effective altruist idea sharing.
Effective Altruism As Costly Signaling by Raemon (EA forum) - " 'a bunch of people saying that rich people should donate to X' is a less credible signal than 'a bunch of people saying X thing is important enough that they are willing to donate to it themselves.' "
The Person Affecting Philanthropists Paradox by MichaelPlant (EA forum) - Population ethics. The value of creating more happy people as opposed to making pre-existing people happy. Application to the question of whether to donate now or invest and donate later.
Oops Prize by Ben Hoffman (Compass Rose) - Positive norms around admitting you were wrong. Charity Science publicly admitted they were wrong about grant writing. Did anyone organization at EA Global admit they made a costly mistake? 1K oops prize.
===Politics and Economics:
Scraps 3 Hoffer And Performance Art by Lou (sam[]zdat) - Growing out of radicalism. Either economic and family instability can cause mass movements. why the left has adopted Freud. The Left's economic platform is popular, its cultural platform is not. Performance art: Marina Abramović's' 'Rhythm 0'. Recognizing and denying your own power.
What Replaces Rights And Discourse by Feddie deBoer - Lots of current leftist discourse is dismissive of rights and open discussion. But what alternative is there? The Soviets had bad justifications and a terrible system but at least it had an explicit philosophical alternative.
Why Do You Hate Elua by H i v e w i r e d - Scott's Elua as an Eldritch Abomination that threatens traditional culture. An extended sci-fi quote about Ra the great computer. "The forces of traditional values remembered an important fact: once you have access to the hardware, it’s over."
Why Did Europe Lose Crusades by Noah Smith - Technological comparison between Europe and the Middle East. Political divisions on both sides. Geographic distance. Lack of motivation.
Econtalk On Generic Medications by Aceso Under Glass - A few egregious ways that big pharma games the patent system. Short.
Data On Campus Free Speech Cases by Ozy (Thing of Things) - Ozy classifies a sample of the cases handled by the Foundation for Individual Rights in Education. Ozy classifies 77 cases as conservative, liberal or apolitical censorship. Conservative ideas were censored 52%, liberal 26% and apolitical 22%.
Beware The Moral Spotlight by Robin Hanson - The stated goals of government/business don't much matter compared to the selective pressures on their leadership, don't obsess over which sex has the worse deal overall, don't overate the benefits of democracy and ignore higher impact changes to government.
Reply To Yudkowsky by Bryan Caplan - Caplan quotes and replies to many sections Yudkowsky's response. Points: Yudkowsky's theory is a special case of Caplan's. The left has myriad complaints about markets. Empirically the market actually has consistently provided large benefits in many countries and times.
Without Belief In A God But Never Without Belief In A Devil by Lou (sam[]zdat) - The nature of mass movements. The beats and the John Birchers. The taxonomy of the frustrated. Horseshoe theory. The frustrated cannot derive satisfaction from action, something else has to fill the void Poverty, work and meaning. Mass movements need to sow resentment. Hatred is the strongest unifier. Modernity inevitably causes justified resentment. Tocqueville, Polyanai, Hoffer and Scott's theories. Helpful and unhelpful responses.
Genetic Behaviorism Supports The Influence Of Chance On Life Outcomes by Freddie deBoer - Much of the variance in many traits is non-shared-environment. Much non-shared-environment can be thought of as luck. In addition no one chooses or deserves their genes.
Yudkowsky On My Simpistic Theory of Left and Right by Bryan Caplan - Yudkowsky claims the left holds the market to the same standards as human beings. The market as a ritual holding back a dangerous Alien God. Caplan doesn't respond he just quotes Yudkowsky.
On The Effects Of Inequality On Economic Growth by Artir (Nintil) - Most of the article tries to explain and analyze the economic consensus on whether inequality harms growth. A very large number of papers are cited and discussed. A conclusion that the effect is at most small.
===Misc:
Erisology Of Self And Will Representative Campbell Speaks by Everything Studies - An exposition of the "mainstream" view of the self and free will.
What Is The Ein Sof The Meaning Of Perfection In by arisen (lesswrong) - "Kabbalah is based on the analogy of the soul as a cup and G-d as the light that fills the cup. Ein Sof, nothing ("Ein") can be grasped ("Sof"-limitation)."
Sexualtaboos by AellaGirl - A graph of sexual fetishes. The axes are "taboo-ness" and "reported interest". Taboo correlated negatively with interest (p < 0.01). Lots of fetishes are included and the sample size is pretty large.
Huffman Codes Problem by protokol2020 - Find the possible Huffman Codes for all twenty-six English letters.
If You're In School Try The Curriculum by Freddie deBoer - Ironic detachment "leaves you with the burden of the work but without the emotional support of genuine resolve". Don't be the sort of person who tweets hundreds of thousands of times but pretends they don't care about online.
Media Recommendations by Sailor Vulcan (BYS) - Various Reviews including: Games, Animated TV shows, Rationalist Pokemon. A more detailed review of Harry Potter and the Methods of Rationality.
Sunday Assorted Links by Tyler Cowen - Variety of Topics. Ethereum Cryptocurrency, NYC Diner decline, Building Chinese Airports, Soccer Images, Drone Wars, Harberger Taxation, Douthat on Heathcare.
Summary Of Reading April June 2017 by Eli Bendersky - Brief reviews. Various topics: Heavy on Economics. Some politics, literature and other topics.
Rescuing The Extropy Magazine Archives by deku_shrub (lesswrong) - "You'll find some really interesting very early articles on neural augmentation, transhumanism, libertarianism, AI (featuring Eliezer), radical economics (featuring Robin Hanson of course) and even decentralized payment systems."
Epistemic Spot Check A Guide To Better Movement Todd Hargrove by Aceso Under Glass - Flexibility and Chronic Pain. Early section on flexibility fails check badly. Section on psychosomatic pain does much better. Model: Simplicity (Good), Explanation (Fantastic), Explicit Predictions (Good), Useful Predictions (Poor), Acknowledge Limits (Poor), Measurability (Poor).
Book Review Barriers by Eukaryote - Even cell culturing is surprisingly hard if you don't know the details. There is not much institutional knowledge left in the field of bioweapons. Forcing labs underground makes bioterrorism even harder. However synthetic biology might make things much more dangerous.
Physics Problem 2 by protokol2020 - Can tidal forces rotate a metal wheel?
Poems by Scott Alexander (Scratchpad) - Violets aren't blue.
Evaluating Employers As Junior Software by Particular Virtue - You need to write alot of code and get detailed feedback to improve as an engineer. Practical suggestions to ensure your first job fulfills both conditions.
===Podcast:
Kyle Maynard Without Limits by Tim Ferriss - "Kyle Maynard is a motivational speaker, bestselling author, entrepreneur, and ESPY award-winning mixed martial arts athlete, known for becoming the first quadruple amputee to reach the summit of Mount Kilimanjaro and Mount Aconcagua without the aid of prosthetics."
85 Is This The End Of Europe by Waking Up with Sam Harris - Douglas Murray and his book 'The Strange Death of Europe: Immigration, Identity, Islam'.
Myers Briggs, Diet, Mistakes And Immortality by Tim Ferriss - Ask me anything podcast. Topics beyond the title: Questions to prompt introspection, being a Jack of All Trades, balancing future and present goals, don't follow your passion, 80/20 memory retention, advice to your past selves.
Interview Ro Khanna Regional Development by Tyler Cowen - Bloomberg Podcast. "Technology, jobs and economic lessons from his perspective as Silicon Valley’s congressman."
Avic Roy by The Ezra Klein Show - Better Care Reconciliation Act, broader health care philosophies that fracture the right. Roy’s disagreements with the CBO’s methodology. The many ways he thinks the Senate bill needs to improve. How the GOP has moved left on health care policy. Medicaid, welfare reform, and the needy who are hard to help. The American health care system subsidizes the rich, etc.
Chris Blattman 2 by EconTalk - "Whether it's better to give poor Africans cash or chickens and the role of experiments in helping us figure out the answer. Along the way he discusses the importance of growth vs. smaller interventions and the state of development economics."
Landscapes Of Mind by Waking Up with Sam Harris - "why it’s so hard to predict future technology, the nature of intelligence, the 'singularity', artificial consciousness."
Blake Mycoskie by Tim Ferriss - Early entrepreneurial ventures. The power of journaling. How “the stool analogy” changed Blake’s life. Lessons from Ben Franklin.
Ben Sasse by Tyler Cowen - "Kansas vs. Nebraska, famous Nebraskans, Chaucer and Luther, unicameral legislatures, the decline of small towns, Ben’s prize-winning Yale Ph.d thesis on the origins of conservatism, what he learned as a university president, Stephen Curry, Chevy Chase, Margaret Chase Smith"
Danah Boyd on why Fake News is so Easy to Believe by The Ezra Klein Show - Fake news, digital white flight, how an anthropologist studies social media, machine learning algorithms reflect our prejudices rather than fixing them, what Netflix initially got wrong about their recommendations engine, the value of pretending your audience is only six people, the early utopian visions of the internet.
Robin Feldman by EconTalk - Ways pharmaceutical companies fight generics.
Jason Weeden On Do People Vote Based On Self Interest by Rational Speaking - Do people vote based on personality, their upbringing, blind loyalty or do they follow their self interest? What does self-interest even mean?
Reid Hoffman 2 by Tim Ferriss - The 10 Commandments of Startup Success according to the extremely successful investor Reid Hoffman.
submitted by deluks917_ to slatestarcodex [link] [comments]

Wichtige Tipps zum Schutz Ihrer Krypto-wallet

Wenn Sie sich gerade entschieden haben, in die Welt der Kryptowährungen einzusteigen, müssen Sie einen wichtigen Aspekt kennenlernen, der weitaus wichtiger ist als Ihre Trading-Fähigkeiten und das ist Sicherheit! Ethereum, Bitcoin und alle anderen Kryptos werden in digitalen Cloud-wallets aufbewahrt oder auf Ihrem Computer hinterlegt.
Cold storage könnte die beste Option für Sie sein.
Cold Storage in der Krypto-Währungsindustrie bezieht sich auf einen sicheren Weg, um Ihre Kryptos, eine sichere Offline-Methode zu halten. Wenn Sie Ihre digitalen coins vom Internetzugang fernhalten, werden die Bedrohungen deutlich reduziert und die Möglichkeit dass jemand Ihre Kryptoreserve stehlen könnte es ist deutlich minimiert. Um mehr auf den Punkt zu bringen, im Gegensatz zu Hot Wallets, wo Ihr privater Schlüssel online gespeichert ist und vollständig von der Serviceplattform bedient wird, Cold Wallets speichert Ihren privaten Schlüssel offline und wird in den meisten Fällen manuell bedient.
Hot Wallets repräsentieren einen sich verändernden Markt, da sie einfach zu erstellen und zu behalten sind, aber für ihre Anfälligkeit gegenüber Cyberkriminalität berüchtigt sind.
Hier eine Liste mit einigen der beliebtesten:
Wenn man sich auf Cold Storage Wallets bezieht, die wichtigsten Beispiele sind die Hardware Wallets. Diese bestimmte Wallet kommt auf einem USB-Gerät und erlaubt es Ihnen, das Gerät technisch einzurichten und einen digitalen Ordner zu erstellen, der Ihre Kryptos sicher und offline hält.
Hier einige Beispiele für sichere Lösungen:
Die Krypto-Welt entwickelt sich jedoch weiter, und heutzutage müssen Sie sich nicht einmal mehr um den technischen Teil oder die Konfiguration kümmern; lizenzierte Plattformen wie CryptoCoin.pro oder BitCanuck.ca speichern die meisten Münzen in ihren eigenen, selbstkonfigurierten Multi-Sign Cold Wallets. Auf diese Weise werden die Münzen sicher aufbewahrt und der Benutzer wird von allen technischen Aspekten befreit.
Cryptocurrency cold storage ist eine geniale Lösung
In Anbetracht der Tatsache, dass der Krypto-Währungsmarkt von Tag zu Tag wächst, ist der wichtigste Aspekt, Ihre digitalen Münzen sicher und fern von möglichen Eindringlingen wie Lösegeld oder Keyloggern zu halten.
Die beste offline Krypto-Lösung? Cold wallets. Mit diesem Produkt, selbst wenn Ihre CPU angegriffen wird oder ein Konvertierungsserver kompromittiert wurde, scheint Ihr Offline-Gerät der beste Weg für Ihre Kryptos zu sein. Holen Sie sich Ihre eigene Offline-Wallet mit nur wenigen Klicks auf BitCanuck.
Cold storage hat verschiedene Sicherheitsstufen, was bedeutet, dass selbst bei einer Online-Verbindung für Transaktionen nur geringe Chancen bestehen, dass Ihre privaten Schlüssel von einem Eindringling gestohlen werden.
Um die Sicherheit ihrer digitalen Münzen zu gewährleisten, wechseln immer mehr Anwender zu dieser Lösung. Die gute Nachricht ist, dass, wenn Sie bereit sind, in fehlerfreie Geräte zu investieren, der Markt für cold wallets feste Lösungen bietet an.
Warum Sie Ihre Kryptos nicht online, sondern offline speichern sollten
Wenn es um Cryptos-Konvertierungsplattformen geht, sind hot und cold Wallets die Begriffe, die Sie treffen werden. Beides sind Sicherheitsmaßnahmen, die von den Krypto-Währungsumwandlungsplattformen festgelegt werden, um die Ressourcen des Benutzers vor möglichen Angriffen zu schützen.
Es ist bekannt, dass, wenn etwas online verbunden ist, auch angreifbar wird; aber wenn Sie sich entscheiden, eine kleine Anzahl von digitalen Münzen in einer hot wallets zu behalten, ist das nicht unbedingt riskant, denn im allgemeinen würde kein Hacker seine Zeit und Ressourcen verschwenden wollen, um kleine Geldbeträge zu stehlen. Ein weiterer wichtiger Sicherheitsaspekt, der in Betracht gezogen werden sollte, ist die Aufbewahrung Ihrer Kryptos in mehreren Portemonnaies, entweder wenn diese wallets cold oder hot sind.
Benötigen Sie Hilfe bei der Entscheidung für eine Hardware-Wallet Lösung? Start jetzt entweder mit einem physikalischen Laufwerk wie Ledger Nano S, das robuste Sicherheitsfunktionen bietet oder einfach innerhalb weniger Minuten mit BitCanuck's Krypto-Diensten starten. Mit der Online-Registrierung haben Sie alle Ihre Assets sicher offline, kostenlos und ohne technisches Wissen gespeichert.
submitted by ErinBv to SentinelChain [link] [comments]

Cryptocurrencies' Gains Have Turned to Losses As The SEC Decision On The ProShares Bitcoin ETF Proposal Is Expected Tomorrow

Sources

https://www.ccn.com/this-mornings-bitcoin-price-pump-was-fueled-by-100-million-in-new-tethers/ https://www.newsbtc.com/2018/08/22/bitmex-rents-worlds-most-expensive-skyscraper-rising-status-of-crypto-exchanges/ https://www.newsbtc.com/2018/08/22/china-bans-all-crypto-events-after-spending-3-billion-to-fund-blockchain-startups/ https://www.ccn.com/does-beijings-commercial-crypto-ban-signal-a-further-govt-crackdown/ https://bitcoinist.com/china-officially-bans-crypto-activities/ https://www.newsbtc.com/2018/08/22/dash-sees-surging-adoption-rates-in-hyperinflation-stricken-venezuela/ https://bitcoinist.com/new-survey-over-70-of-executives-think-they-are-experts-on-blockchain-technology/ https://www.coindesk.com/metlife-asia-affiliate-trials-blockchain-insurance-product/ https://www.newsbtc.com/2018/08/22/indian-municipal-corporations-issue-birth-certificates-blockchain/ https://www.ccn.com/revolut-launches-metal-debit-card-with-cashback-in-cryptocurrency/ https://www.newsbtc.com/2018/08/22/fintech-startup-revolut-launches-cryptocurrency-supported-debit-card/ https://cointelegraph.com/news/china-insurance-giant-ping-an-releases-white-paper-on-smart-cities-advocates-for-blockchain https://cointelegraph.com/news/liechtenstein-bank-issues-own-crypto-stable-coin-aims-to-become-blockchain-investment-bank https://cointelegraph.com/news/experts-venezuelas-petro-is-a-smokescreen-backed-by-centralized-debt-crippled-entity
submitted by QuantalyticsResearch to CryptoCurrency [link] [comments]

Austria to Use Ethereum Public Blockchain to Issue $1.35 Bln in Government Bonds

Austria to Use Ethereum Public Blockchain to Issue $1.35 Bln in Government Bonds
Austria’s government is set to use the Ethereum public blockchain to issue €1.15 billion ($1.35 billion) of government bonds in an auction next week, local news outlet Kleine Zeitung reports September 25.
Oesterreichische Kontrollbank (OeKB) — one of Austria’s biggest banks with $26 billion in assets in 2017 — will reportedly operate the live blockchain notarization service. During the auction, scheduled for October 2, the bank will issue the bonds on behalf of the Austrian Treasury (OeBFA).
Read the full article here
https://preview.redd.it/wdlndkwu5to11.jpg?width=740&format=pjpg&auto=webp&s=7515372ac978724d39eddaff451672b08eaee097
submitted by Cointelegraph_news to ethereum [link] [comments]

Veel geld verdient met crypto, wat nu?

Throwaway account voor obvious redenen.
Ik zit al best even in crypto currencies, heb nooit wat opgegeven bij de belasting omdat het altijd 'kleine' bedragen waren (5-10k euro) en mijn netwaarde altijd onder 0 euro zat.
Echter heb ik het afgelopen jaar toch wel erg veel verdient, grotendeels door de koersstijgingen van Ethereum(meer dan 30x) en bitcoin(iets van 10x), maar ook deels door te daytraden met leverage. Ik vraag me nu af wat er gaat gebeuren mocht ik alles verkopen. Het gaat om een bedrag van richting de 250k euro, en ik neem aan dat als ik dat even vanuit het buitenland op mijn studenten rekening stort er wel alarmen ergens af gaan.
Ik ben van plan aankomend jaar het gewoon netjes op tegeven, gaat dit nog problemen veroorzaken? Moet ik hier uberaubt andere belasting dan vermogensbelasting over betalen?
submitted by Weggooiaccount21 to DutchFIRE [link] [comments]

Coinlend - Der Lending-Bot für Poloniex & Bitfinex

Für alle, die sich für Zinsen auf ihre Bitcoins, Altcoins oder US-Dollar interessieren, hier eine kleine Projektvorstellung meinerseits:
Wer sich intensiv mit dem Thema Bitcoins beschäftigt, kommt irgendwann mit den Themen Bitcoin-Scalping, Bitcoin-Trading und Bitcoin-Lending in Berührung. Die ersten beiden Dinge erfordern ein hohes Maß an Wissen, Erfahrung und einen hohen Einsatz an Zeit. Beim Bitcoin-Lending dagegen verleiht man seine Coins auf den Exchanges für das Margin-Trading, um damit Rendite zu erwirtschaften. Das Ganze ohne hohes Risiko, Coins zu verlieren, oder Verluste zu machen. Damit stellt das Lending eher ein passives Investment dar und eignet sich für den langfristigen Vermögensaufbau.
Wir sind ein kleines Team Cryptocurrency-Enthusiasten, welches schon seit Jahren in Bitcoins sowie Altcoins investiert. Um zustätzliche Gewinne neben den Kursgewinnen zu erwirtschaften, fingen wir schließlich damit an, unsere Bitcoins zu verleihen. Schnell haben wir festgestellt, dass das Lending zwar sehr lukrativ (aktuell 30-40% p.a.), aber auch sehr zeitintensiv ist und damit nicht zu unserem passivem Investmentstil passt. Aus diesem Grund haben wir Coinlend.de geschaffen, welches die manuellen Schritte des Lendings voll automatisiert und rund um die Uhr daran arbeitet, die besten Zinserträge zu generieren. Es war unser Ziel, das Ganze so einfach wie nur möglich zu gestaltet, sodass wirklich jeder den Service nutzen und davon profitieren kann. Es muss lediglich ein API-Key bei Poloniex/Bitfinex erstellt werden und auf der Coinlend Account Seite eingetragen werden. WICHTIG: Es besteht keinerlei Gefahr für eure Coins - Mit dem API-Key ist keine Auszahlung oder Trading von Coins möglich.
Sobald eure Funds im Lending-Wallet der gewählten Exchange liegen und die Einstellungen im Bot getätigt sind, fängt dieser an zu investieren. Neben Bitcoins verleiht der Bot auch alle anderen Cryptocurrencies wie DASH, ETH, etc., die auf den Exchanges verleihbar sind. Um Euch einen ersten Eindruck zu geben, was euch erwartet findet ihr hier noch ein paar Bilder und am Ende des Threads ein paar Antworten auf die häufigsten Fragen der Nutzer. Fragen und Feedback sind jederzeit willkommen!
https://img1.picload.org/image/rporpldi/flyer.jpg
Häufige Fragen zu Coinlend
Wobei hilft mir diese Seite?
Auf Bitcoin Exchanges wie Poloniex oder Bitfinex ist es möglich, Bitcoins sowie andere Cryptocurrencies zu sehr attraktiven Zinsen und überschaubarem Risiko zu verleihen. Die Probleme beim manuellen Verwalten der Loans sind:
Die Zinssätze auf den Exchanges sehr volatil. Die geliehenen Coins können vom Schuldner jederzeit zurückgezahlt werden.
Für einen bestmöglichen Ertrag müsste man sich also regelmäßig einloggen und die Loans verwalten. Mittlerweile gibt es zumindest eine Auto-Renew Funktion, mit der Loans automatisch wieder vergeben werden, wenn diese zurückgezahlt wurden. Dies passiert dann allerdings wieder zum selben Zinssatz wie der vorherige Loan. Nun haben sich die Zinssätze allerdings womöglich stark verändert und liegen entweder über oder unter dem alten Zins. Damit verleiht man also entweder zu günstig und verschenkt Rendite oder die Zinsen sind gesunken und der Loan wird zu einem zu hohen Zinssatz eingestellt und wird nicht bedient. In der Zeit in welcher die Coins nicht verliehen sind, verliert somit ebenfalls wertvolle Rendite. Hier kommt der CoinLend Bot zum Einsatz und verleiht ganz automatisch 24 Stunden am Tag deine Coins zum bestmöglichen Zinssatz.
Wie funktioniert der Service?
Unser Hauptziel war es, das Ganze so einfach wie nur möglich zu machen und ein einfach zu bedienendes User Interface zu bauen. Du musst dich lediglich einen Account auf CoinLend erstellen und deine API Credentials für Poloniex bzw. Bitfinex auf der Account Page hinterlegen. Eine Schritt-für Schritt Anleitung findest du hier (Poloniex) bzw hier (Bitfinex). Der Bot wird alle paar Minuten deinen Account checken und wenn Loan auf Poloniex/Bitfinex zurückgezahlt wurden, werden diese zum optimalen Zins erneut verleihen.
Welches Risiko besteht?
Durch das Hinterlegen der API Keys bei CoinLend besteht kein Risiko. Mit den API Credentials ist keine Auszahlung und kein Handel von Tokens auf Poloniex/Bitfinex möglich. Selbst wenn CoinLend gehackt werden sollte, besteht keine Gefahr, da Auszahlungen nicht möglich sind.
Auf welchen Platformen kann verliehen werden?
Aktuell sind die Platformen Poloniex und Bitfinex integriert. Weitere Plattformen wie z.B. Quoine werden allerdings in Kürze folgen.
Gibt es Mindestestmengen für den Verleih?
Ja, die API Bitfinex erwartet für neue Loan-Offers einen Gegenwert von mindestens 50$. Das heißt, der Bot kann erst verleihen wenn diese Mindestmenge eines Tokens auf dem Funding-Wallet zur Verfügung steht.
Für Poloniex gelten die folgenden Mindestwerte:
Bitcoin: 0.01 BTC Ethereum: 1 ETH Clams: 10 CLAM Factom: 100 FCT Stellar: 100 STR Dogecoin: 100 DOGE
Was kostet der Service?
Der Service ist kostenlos. Falls du uns trotzdem unterstützen willst, freuen wir über uns über eine kleine Anerkennung:
BTC: 1HNoRcK3hFBRi68KcCNzDoofiKyuj95FVB ETH: 0x9abb086f01f144de4cd188b6a5ea6bd5445a92e4 DASH: Xp1xZfxYENAnAiMBCQYb6rD4idc3ad4Sm1
https://www.coinlend.de
submitted by jan10101 to BitcoinDE [link] [comments]

Stox - ICO Review

https://coins.best/ico-reviews/stox/
Stox (STX) is an open source, Ethereum based platform for prediction markets where people can trade the outcome of events in almost any imaginable category – sports, celebrity marriages, election results, and even the weather. The platform targets mainstream audiences and allows investors to leverage their knowledge and profit from prediction events. Stox is a spin-off of invest.com, an online financial company operating since 2014, which employs over 200 employees across 5 countries, and whose trading platforms accommodate over 3 million registered users.
Prediction markets are an exchange where any individual or organization can tap into the “wisdom of the crowd” to ask any question or predict the result of any event – users trade on the outcome of the event in to form of a stock exchange. Similar to financial markets, which assign a price to the future estimated earnings of a stock, prediction markets assign a traded price to a belief about the future or the probability of an event outcome. Individuals buy and sell outcome shares based on what they see as the probability at any given moment. For example, a price of 0.6 indicates a 60% chance of occurrence, and this price fluctuates along with changes in perception or additional information. Prediction markets are known to be useful not only for understanding the crowd mindset on certain topics, but also as effective prognostic tools (in a similar fashion to economic markets), and are used by large institutions and companies to predict the outcomes of business or product development courses.
The end goal for Stox is to create the leading decentralized prediction market used by mainstream audiences, by maintaining a thriving ecosystem of users looking to invest in event outcomes and providers looking to create events and be compensated for operating them. The main role of Stox is to develop the open source technology required for running the decentralized Stox platform and network and create a successful model incentivizing both users and providers to join the network.
Stox will be powered by the STX digital token, to be used for all activity in the network, including fees and collaterals as well as the currency for predicting event outcomes. STX value is designed to grow along with demand as more users and providers join the ecosystem. By combining expertise in regulated markets with blockchain technology, Stox incentivizes providers with existing customer bases, such as invest.com itself, to join and drive traffic to the network; indeed, Stox will feature invest.com as its debut provider. Providers will be motivated to cooperate as part of a larger network, while users will enjoy a well-rounded selection accommodating their diversified interests.
Stox 1
While committed to following all required regulations, Stox recognizes that it is still unclear how this activity is to be treated from a regulatory viewpoint. In decentralized applications, however, separate functions in the system can operate in isolation and possibly be provided by different vendors, making it easier to comply with the regulations of each field of activity or jurisdiction.
Also, since STX is a flexible exchange-rate currency, it is exposed to general liquidity and volatility risks, which could deter investors and users from participating. To avoid the adverse effects of separating the operational currency from the investment currency, Stox will rely on Bancor (an ERC20-compatible token template that offers continuous liquidity via an on-chain market maker) as the token platform for STX to resolve liquidity risks, and on the initial activity volume brought by invest.com to mitigate volatility. Furthermore, in order to appeal to a wide, mainstream audience, the acquisition and utilization of STX will be made as straightforward for users as using tokens in an online game.
Stox is introduced to a market already offering two prominent decentralized implementations – Augur and Gnosis – both of which have carried out successful ICOs. Stox self-identifies as having three distinctive characteristics: its single token economy, unique business model, and mainstream user facing design. Stox views prediction markets as a business, one which enables individuals to leverage the information or knowledge they possess for personal material gain by investing STX in event outcomes. For this, the trade engine must be practical and operate quickly and easily enough to satisfy its users. Therefore, Stox has designed its oracle mechanism under the assumption that it would usually use a centralized oracle, which – although contrary to the decentralization ideal – mainstream users do not normally consider a disadvantage.
Stox’s roadmap is made up of five milestones: development of the Stox Platform, development of the Stox App, launch with invest.com customer network, development of an ecosystem member SDK, and growing the ecosystem. In order to finance this roadmap, Stox will conduct a token sale of an initial supply of STX tokens. STX will be sold at a constant price (in ETH) and the initial supply will depend on the amount of STX sold. As of the conclusion of the sale, the distributed STX will constitute the entirety of the available liquid supply. A portion of the supply would be preallocated to invest.com (as the founding member of the ecosystem) in a long term vesting schedule. A major portion of the allocation to Stox Ltd. will be used for bringing further strategic partners to the platform. Also, after the end of the sale period, Stox will deposit 4% of the STX market cap in BNT as the currency reserve of STX, thereby activating its Bancor Smart Token features.
Founding Team
Ophir Gertner – Founder (at both invest.com and Stox), Chief Strategist – an entrepreneur with a track record of developing market-leading products and services, a wealth of international experience including leadership roles and over 15 years’ experience in financial markets.
Yossi Peretz – Chief of Operations and Technology (also at invest.com) – a COO and business development professional with a proven track record in the financial services industry; skilled in leading global business activities, operations management, technical support, service management, IT security & strategy and providing solutions.
Leonid Beder (CoinTree) – Blockchain Security Architect – a seasoned professional of system security, cryptocurrency systems and various blockchain protocols, architecture, and implementations.
Oded Noam (CoinTree) – Blockchain Architect – founder of VidWatch and PhraseTech technology startups, and has held senior engineering and management positions at Mobixell Networks, Adamind, Schema and Gate42.
Assaf Moalem, CPA – Financial Controller – has 6 years experience in online trading markets as a CFO & Head Finance Controller.
Jose Danon Saltiel – Online Marketing Wizard – an online marketer with over 10 years experience in gaming, gambling, fintech and more; has a deep understanding of the industry, particularly affiliation, media buying, social and RTB; experienced in the English, Spanish, German, Dutch and French markets.
Shay Cohen – Master of UX & Design (also at invest.com).
Oren De-Lange – Community Manager – active crypto enthusiast since 2014; holds an LLB in Law.
Ilya Kolesnikov – Core Developer (also at invest.com) – a highly effective software engineer with over a decade’s experience mainly in ecommerce and fintech; has managed international teams of developers.
Eran Klein – Head of Product and QA (also at invest.com) – has almost 20 years experience in high tech companies; an expert in product and QA who specializes in online products.
Yevgeny Michlin – Support Engineer – has over 8 years experience in technical support.
Israel Shenkar – System Administrator – has over 10 years experience.
Nissim Ben Alush – Support Team Leader
Konstantin Rezhets – Mobile Developer – has over 5 years experience in startups, specializes in building lean, optimized and secure applications from scratch.
Liron Golan – HR Manager (also at invest.com) – has over six years experience in HR.
Rutty Yeziorsky – Office Manager & PA to CEO
Eyal Perera – Analyst – an experienced stockbroker and investment portfolio manager with over 7 years’ experience in the financial markets.
Varda Bachrach (?) – Content Specialist (also at invest.com).
Advisory Board
Eyal Hertzog – Foundation Council of Bancor (Bancor co-founder, product architect) – venture backed technology entrepreneur for over 20 years; previously founder of MetaCafe and Contact Networks.
Uriel Peled – CEO of CoinTree – head of operations at CoinTree; previously co-founder and CPO at Visualead.
Joe Chen – Founder, Chairman & CEO of RenRen – a pioneer of China’s internet industry; also a board member at invest.com.
Moshe Hogeg – Founder & Chairman of the Singulariteam Group – a serial entrepreneur; also a board member at invest.com.
Itai Avneri – CEO of invest.com – entrepreneur and experienced executive, expert in players/traders lifecycle for the gaming and finance industries; previously CEO of Playtech Marketing.
Eduardo A. Schilman, Ph.D. – Behavioral Psychologist at Playtika (sold for $4.4B).
Read the full report here - https://coins.best/ico-reviews/stox/
submitted by Unbiased-ICO-Reviews to icocrypto [link] [comments]

FACTOREUM - The Decentralized Autonomous Factor

 FACTOREUM The Decentralized Autonomous Factor • Who am I? 
My name is Jonathan KLEIN, I am a 25 years old French entrepreneur. My partner, Loic GORKA, and I are launching a new Fintech, Tresorio. Tresorio is a cash-flow financing crowdfunding platform. The aim of Tresorio is to offer a new vision of invoice financing. Thanks to this platform, entrepreneurs can obtain a flexible short-term loan justify by a future cash-flow represented by an invoice. If you issued an invoice with a 45-day payment delay, you could receive a loan in 48 hours of the amount of the invoice. The loan is reimbursed when your client pays the bill. Besides that, we have a 500MH mining rig used to generate a small amount of gas for our future smart-contracts.
 • What is Invoice Discounting? 
Invoice discounting is the practice of using a company's unpaid accounts receivable as collateral for a loan, which is issued by a finance company. This is an extremely short-term form of borrowing.
Invoice discounting essentially accelerates cash flow from customers, so that instead of waiting for customers to pay within their normal credit terms, you receive cash almost as soon as you issue the invoice.
 • Why is this important? 
All over the world, our Ponzy-scheme monetary system creates a money scarcity for the masses. Small and medium businesses are dying from this lack of cash and investors desperately need interesting investment products. Invoice financing make them both happy. For businesses, this is an affordable way to face their cash-flow needs whitout betting on the success of a development project. The commercial operation represented by the invoice is done, all you need is to wait the money from the client. For investors, this is an interesting way to finance the real world with a high return (3 to 12% per year depending on the risk profile of the company). Thus, the money you lend is allocate for a very short time (3 months max).
In a more philosophical perspective, money rules our world and to my mind, financial Dapps are very powerful tools to show how Ethereum could make this world a better place.
 • What does a successful factor need? 
In order to create trust and to avoid a too high default rate, each company needs to be evaluate. An interest rate reflecting the risk needs to be set as well as a maximum amount of simultaneous loan. In addition, financial analysts need to provide a fair overview of the financial situation of the company to the investors.
To meet the businesses needs, the organization have to be able to finance an invoice in less than 48 hours. Furthermore, in France, 23% of the clients don’t pay their invoice on time but only 3% don’t pay within a month after the end of the delay. This is why the system needs to be flexible.
If we want to really make a difference, this system has to be autonomous. We have to automate the redaction and the application of the contracts between borrowers and lenders.
If we want to bring the masses into a system like that, the money can’t be stuck for a too long time. Private investors have to be able to sell their loan to someone else if they need their investment back.
It is obvious that the easier it is to borrow, the greater will be the risk of invoice falsification. Because it’s not an invoice repurchasing but a loan based on an invoice, this risk will be reduced. Even if you submit a false invoice, if you sell use a same invoice to get two loans from different parties or if the underlying commercial operation goes wrong, you still have to reimburse the loan.
If a borrower doesn’t pay his debt, the factor needs to have a strategy to recover the funds.
If there is a total default on the debt, an insurance has to be set up to refund (at least partially) the investors. Dynamis we need your help! 
In France, a blockchain-based certificate intermediation is now officially legal. The financial instrument has to be a certificate (“bon de caisse” in French). The certificate is nothing more than a IOU for businesses. Our legal partner is an American law-firm, Kramer Levin, specialized in Fintech.
 • Bring Factoreum to life within the Ethereum Ecosystem 
First of all, thank you for still reading this article. I hope my English is not to bad but you know…French are bad in foreign languages… Loic and I have experiences in finance and entrepreneurship but none in programming Smart Contracts (or anything else). We are big fans of Ethereum because of its potential of disruption and because we really need to create the conditions of an emerging world where freedom and democracy are not just marketing. It’s not a big news, we need a paradigm shift to avoid a very dark future where self-interests of the elite are the only things that matter. We really hope that this project will receive support from the Ethereum community and that we could work on it with developers and other great minds on this forum.
This is now the time to expose our vision of how this could work.
 1. A web-server 
The web platform is very important. It is the entry gate for the masses. It should be well designed, clear and easy to use. On this platform, borrowers could submit their application, investors could make a deposit and choose where they want to invest. Crowdlending platforms are good examples of what informations we should display on this site. A blockchain explorer could be use within this website to show real time data (how much a company currently owes to investors for example). This web server will also be useful for the recruitment of Recruiters and Analyst.
 2. The tokens 
This part gave me a lot of headaches so I will be glad to have some help on this particular subject. The problem is that a system based entirely on a cryptocurrency is doomed because of its interactions with the fiat system. Businesses have to be paid in fiat currency because they can’t pay their furnisher in ether (at least for the next few years). A solution could be a “fiat token backed by ether”. When an investor makes a 1000€ deposit on the website, the 1000€ should give him 1000 tokens. In order to make this “Ethereum compliant”, we could introduce ether as an exchange value. When the 1000€ deposit is done, the platform change these into ETH (at current exchange rate) and change these ETH into token (at current exchange rate). At 10€/ETH, 1000€ -> 100ETH ->1000 token. If ETH/EUR goes to 20€/ETH, 1000 token -> 50ETH -> 1000€. I don’t know if it’s a smart way to see this or if it’s even possible but it will annihilate the risk of an important fluctuation of the ether price during the process.
 3. The “Recruiters” 
The “Recruiters” user-class will act like a decentralized human resource department. First recruiters will be nominated by the founders of the project. Their role will be to recruit the analysts and the other recruiters. Each time an analyst makes a candidacy through the web server, the recruiters will place a bet on the approval in token. You want to accept a candidate because you think that he has the ability to conduct good analysis, you bet 1 token on the YES. When 10 recruiters at least have placed their bets, the consensus win the fees paid by the losers.
 4. The “Analysts” 
The “Analysts” user-class will act like a decentralized financial analysis department. To become a certified analyst, you’ll have to justify your ability to conduct financial analysis (CV, motivation letter, example of analysis made, etc.) and be approved by the HR department. Each time a business makes a candidacy through the web server, the analyst will analyze financial information, redact a note to the investors, propose an interest rate reflecting the risk and a maximum amount of simultaneous loan. For this work, analyst will receive a compensation in tokens paid by the entrepreneur as an analyst fee.
 5. The “Insurers” 
Because Insurance firms are seeing the risk through data and statistics and not through a human perspective, we think that a decentralized insurance could improve efficiency. Take the example of a 1000€ invoice, when the cash collection begins, all investors who wants to lend money to the borrower could say “I want to place 100€ on this loan”. This is the crowdfunding part. We can also imagine a crowdinsurance part in this process where insurers could say “I send 50 tokens on the insurance contract for a prime of 1 token”. The investor can choose to pay 1 token, loose it at the profit of the insurer if the loan goes well or take the 50 tokens if the loan is in default. Insurers could be the client of the borrower himself, employees of the borrower who have faith in their company, analysts, small insurance firms or anybody else. The amount of the prime will be set through an auction system. The amount of the prime will be another indicator of risk for the investors and the bad borrowers will be punished through this system.
 6. The “Borrowers” 
When a company wants to borrow from investors, all the entrepreneur has to do is scan the invoice and enter the email address and the matriculation number (SIREN in France) of his client. The invoice is dematerialized and send to the client who electronically sign it. The advantage of this process is that Factoreum knows that the client approved the invoice without having to tell anything to this client about the financing operation. The bank account information of the borrower on the invoice has to point to a wallet type bank account. This wallet could have an IBAN like any common bank account thanks to the technologies developed by payment fintech like MangoPay. When the client pays the bill on this wallet, the capital part of the loan is automatically change in ether and in tokens. The tokens are reimbursed to the investors.
Then, a project page is set up. On this page, investors could see a brief description of the company, a brief description of the relation between the company and his client, financial basic information, analyst recommendation, previous investors feedback, interest rate and maturation of the loan.
When investors have brought the amount of the invoice, this amount is send to the borrower’s wallet minus the total amount of interest. If this is an invoice of 10 000€ that has to be paid by the client in 45 days, the certificate (loan) will be of 10 000€ + x% interest ratematuration10 000 for a period of 75 days (maturation of the certificate = maturation of the invoice + 30 days of grace period). Each day, the investors getting back the daily interest until the capital is reimbursed. At D+45, if the client payment is not received, a notification is sent to the borrowers to let him know that his client hasn’t paid the bill in time. The borrower has 30 days to find a solution with his client or himself. At D+70, a notification is sent to inform the borrower that a direct debit will be maid in 5 days from his usual bank account. At D+75, the direct debit is maid. If there is not enough money on the bank account, a collection process begins. If that collection process fail, insurers lose their bets.
 7. The “Investors” 
Investors could be anyone: Individuals, financial institutions, other businesses, union, etc. They just have to create an investor profile on the platform and buy tokens in fiat currencies or directly in ETH.
 8. The contracts 
As I said, my understanding of how smart contracts works is very limited but I assume that a simple contract couldn’t (or shouldn’t) orchestrate all that. Correct me if I’m wrong but we can imagine conventional tools used to create multiple smart contracts within a common system. A web platform used to generate an insurance contract each time a loan in insured for example. I picture that as a collection of contracts using Solidity, generated and orchestrated by more complex algorithms inside the web platform for each functionality or interaction.
I hope that was a not too long reading and that I was clear enough. My personal goals here, through this post or through my firm, is to show the world how finance could work in the 21st century. Taking back some power from banks in the process is an important driver too! If that makes me rich, great, I could use some financial freedom but it’s not the most important point. That’s why I expose this idea to you today, this has a gigantic potential for millions of users, companies and investor, for ethereum and for our economy when the actual system will fail (and it sure will). This could create a real decentralized financial firm run by collective intelligence and consciousness in transparency and fairness. I am opened to any suggestion and I will be thrilled to work on this with the community.
If you think that this project is interesting and want to help me or just if you judge that the effort deserve a reward, you can donate to 0xbfF0083045F931FE8f3472A43199a7e07488D244.
Thank you in advance for your help,
Jonathan KLEIN
[email protected]
submitted by PachaKamaq to ethereum [link] [comments]

Ethereum vor Kurs-Explosion? Ethereum (ETH) Mining mit Nanopool.org - Quick Start Ethereum - Wird Ether zum besten Staking Coin? Die Ethereum EISZEIT!  DAS ENDE?! Warum wird Ethereum (ETH) weiter steigen  Deutsch

Und die Ethereum-Entwickler liefern immer wieder interessante technische Neuerungen und halten die Plattform auf diese Weise aktuell. Trotzdem ging es seit dem Rekordhoch im Januar 2018 (damals kostete ein Ether über 1.000 Euro) vor allem in eine Richtung: abwärts. Anfang 2019 kostete er zeitweise sogar weniger als 100 Euro. Alex Krüger schätzt die derzeitige Anzahl der Ethereum DeFi-Nutzer auf 114.000, was ein Bruchteil gegenüber den 32 Millionen von Coinbase ist. Wer in den vergangenen Wochen die Ethereum Blockchain genutzt hat oder auch nur die Krypto-Nachrichten verfolgt hat, dem dürfte nicht entgangen sein, dass die ETH Blockchain ein massives Auslastungsproblem infolge des DeFi Booms hat. Ethereum konnte innerhalb eines Monats rund 50 Prozent an Wert gewinnen. Was steckt hinter dieser beeindruckenden Rally? 06.08.2020 Ethereum basiert auf einer sog. Blockchain und damit auf dem gleichen technischen Fundament wie Bitcoin.Ethereum ist aber keine reine Kryptowährung, sondern dient mit erweiterten Funktionen wie Smart Contracts als dezentrales Ökosystem für Blockchain-Projekte aller Art. Deshalb kann Ethereum auch als offenes Protokoll bzw.Baukasten für dezentrale Anwendungen bezeichnet werden. Ethereum-Enthusiasten sind extrem für die Ankunft von ETH 2.0. Wachsende Beteiligung an ETHUSD. Mehrere Hedge-Fonds sprangen sofort ein, sobald sie die Möglichkeit der Gewinnerzielung erkannten. Die institutionelle Beteiligung an der Krypto-Währung hat in diesem Jahr um ein Vielfaches zugenommen. Hedge-Fonds, Vermögensverwalter und andere Institutionen haben seit Anfang dieses Jahres ...

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Ethereum vor Kurs-Explosion?

Ethereum-Mitgründer Joseph Lubin glaubt, dass die Ethereum Blockchain in den nächsten 12 bis 18 Monaten um den Faktor 1.000 skalieren wird. Ethereum (ETH) soll dann nicht 15 bis 20 Transaktionen ... Die Ethereum Eiszeit (ICE AGE) ganz einfach erklärt! Nichts mehr verpassen & kostenlos abonnieren http://bit.ly/2CT3wW2 Du willst BitCoin, Ethereum oder L... Die wichtigsten Kryptoseiten in der Beschreibung Heute möchte ich mit euch darüber reden, ob Ether für mich zum besten Staking Coin wird. Bester VServer für Masternodes: https://bit.ly/2GdLjoR ... Wir haben hier eine kleine Anleitung zum Ethereum Mining mit Nanopool.org erstellt. (Quick Start) Weitere Hilfen und Anleitungen finden sich auf bitcoin-live.de #AuV #AuV Warum wird Ethereum (ETH) weiter steigen Deutsch wie geht es weiter mit #Ethereum #ETH *Bitcoins mit Sofortüberweisung / Paypal / PSC kaufen: htt...

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