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Blockstack Announces “Ecosystem-Wide, Universal” Dapp Store

Bitcoin Magazine, 1/1/0001 12:00 AM PST

blockstackdapps.jpg

Blockstack Public Benefit Corporation (Blockstack PBC) has released the first “ecosystem-wide, universal” Dapp Store with over 150 Dapps on launch.

With the growth in number of blockchain-based decentralized apps (Dapps) that are running on various networks and protocols, it is becoming increasingly difficult for users to locate and make use of these Dapps. According to the announcement, the Blockstack Dapp Store is “a discovery tool for decentralized apps built on Blockstack, Ethereum, EOS, IPFS, Steem, and more ... serving as an aggregator of usable Dapps for gaming, social networking, productivity, and financial services.”

The store features decentralized counterparts to many popular applications, such as Stealthy for WhatsApp, DTube for YouTube, Peepeth for Twitter, and Graphite for Google Docs. Many of these Dapps are not yet at a 1.0 release level and, depending on the network they are running on, may require you to pay processing fees for the network, like gas for Ethereum.

The store is nicely arranged, clearly showing the category that the Dapp is part of as well as the blockchain protocol it supports, such as Ethereum or Steem. A usability feature that is currently missing is the ability to search, sort and filter, which needs to be addressed in the near future to allow the platform to scale. There is a simple form to fill in to add your Dapp to the store, but it is not made clear what the process and timeline for approval might be. According to their announcement, Blockstack uses the following criteria to evaluate if an app is in fact a Dapp:

  • Do customers own their network identity? Can anyone else revoke that identity?
  • Is private user data encrypted with user-owned keys?
  • Is customer data stored on decentralized networks with reconfigurable APIs?
  • Is the app open source? Can community members contribute or fork the software?
  • Is the app publishable and hostable by others or only a single company?
  • Is the app running client-side or on a server?
  • Does the app limit or clearly communicate the scope of data logging?

Blockstack PBC will initially curate and maintain the Dapp Store, but have plans to eventually implement user ratings for ranking Dapps across the ecosystem as it gains wider acceptance. Their goal is for wide-scale community involvement to show how a truly decentralized experience can work outside of the stranglehold of a few large corporations on software and information.

This article originally appeared on Bitcoin Magazine.

I Hope Bitcoin Will Be Internet’s ‘Native Currency’: Twitter CEO Jack Dorsey

CryptoCoins News, 1/1/0001 12:00 AM PST

Jack Dorsey — CEO of both Twitter and Square — hopes that bitcoin will one day be the internet’s native currency. Dorsey made this statement during an interview with Elizabeth Stark of Lightning Labs at a fireside chat today at the Consensus 2018 conference in New York. Dorsey revealed that grew up in St. Louis, MI

The post I Hope Bitcoin Will Be Internet’s ‘Native Currency’: Twitter CEO Jack Dorsey appeared first on CCN

Civic Demos Proof of Concept With Beer Vending Machines, Launches ID Codes

Bitcoin Magazine, 1/1/0001 12:00 AM PST

Civic Consensus

Blockchain identity verification platform Civic has emerged from Consensus 2018 with clear progress and updates for its identity attestation technology.

The project imagines a network of validators and service providers who work together to verify individual identities. A new platform user would submit relevant identity information to a validation smart contract, which the validator would then review for approval. If approved, the validator would store references to this information on the blockchain, attesting to its validity. Anytime the corresponding user needs to submit identity information to another service provider (a bank, government agency, etc.), that service provider could request the validator to cross-check the user’s information with the blockchain’s attestations to verify their identity.

In practice, such an ecosystem could streamline identity verification procedures and keep its users and participating service providers from having to go through lengthy ID checks whenever the occasion arises.

Coming out of Consensus 2018, Civic is showing that it’s taking steps to turn theory into a reality. These steps include the first iteration of its ID codes protocol alongside its revamped token economy white paper, and — the kicker — the “world’s first crypto beer vending machine.”

The idea of giving out free beer may seem kitschy at first glance, but its novelty is matched by what it means for Civic’s utility. Using the Civic app, anyone verified on the platform can scan a QR code to prove that they’re of legal drinking age. In a partnership with Anheuser-Busch, Civic unveiled the vending machine at Consensus 2018, offering anyone who used it a free brew.

To Vinny Lingham, Civic’s co-founder and CEO, the campaign isn’t some flashy promotion or an excuse to crack open a cold one. It’s a way to prove that, without relinquishing any other ID information, Civic can utilize a zero-knowledge age check: a use case that could be applied to more than just alcohol purchases.

“It’s a proof of concept,” Lingham told Bitcoin Magazine in an interview. “It could be beers, weed, pharmaceuticals — lots of things that are age restricted or are limited in access for certain people.”

This proof of concept is just one of many uses for Civic’s ID protocol, the instruments responsible for such a practical application of the technology. 

Their newly released ID codes are another proven manifestation of Civic’s protocol, and according to the team, it’s the “first-ever blockchain-based verification mechanism.”

While surfing the web, anyone will be able to use these codes to verify businesses, social media profiles, team members, advisors and any individual with attested information on the blockchain per Civic’s protocol. Lingham and the Civic team built these ID codes with ICOs and cryptocurrency projects in mind, wanting to provide a digital lie detector of sorts that will allow investors to steer clear of fraudulent projects.

“One of the problems with ICOs is that all these advisors are fake, the investors are fake, the teams are fake, and so with Civic, now you can get verified,” Lingham told Bitcoin Magazine. “And you [the investor] can quickly look at the site to see whether or not the people are real.”

These ID codes are the core of Civic’s mission, the nucleus of its composition and the feature that could potentially revolutionize how we, as a society, verify information for anything from job applications to vacation planning.

“We have a ton of uses,” Lingham said. “It’s everything from verifying identities for authors, journalists, etc. … printing ID codes on your business cards, luggage tags: anywhere we want to put your ID information, or make it available to somebody, you can use a QR code from Civic.”

All of this will be facilitated using the Civic app, and what’s more, users don’t need to even own any of Civic’s tokens (CVC) to use the services.

“That’s the beauty of it. You don’t have to own a Civic token to use Civic. You just need the app.”

Still, this hasn’t kept the team from revamping its token’s utility. With the help of Newtown Partners, a blockchain investment and advisory service co-founded by Lingham, they’ve also released a fresh token-economy white paper. The team claims that using game theory mathematical models and economic incentives, the newest version reimagines Civic’s Identity Verification Marketplace. Special focus was placed on demonstrating how CVC can incentivize use and circulation without providing monetary rewards or dividends, practices that have given regulators leeway to scrutinize tokens as securities, especially those with staking rewards.

To avoid running into such regulatory roadblocks, Civic took pains to avoid any practices that might have made its token sale operate like a securities offering, such as coaxing investors with discounts and bonuses. “We looked at the way security sales are done and we did the opposite of everything they did,” Lingham explained.

Lingham believes Civic’s token model and design could serve as an example for the rest of the industry to follow. To him, the end game is a practicality and usability that doesn’t just attract big league investors and entities; it’s a platform that acts as a “consumer-focused company,” because without everyday users, the technology will never mature beyond its growing pains.

“We’re focusing on driving consumer adoption to this industry for identity and blockchain. Unless this technology gets in the hands of consumers and they can actually find practical use cases for it, it’s going to be a digital idea, not a device that gets used. So we’re very focused on engagement and building engaging experiences for users.”

This article originally appeared on Bitcoin Magazine.

Jack Dorsey Hopes Bitcoin Will Become The Web's 'Native Currency'

CoinDesk, 1/1/0001 12:00 AM PST

Is bitcoin destined to become the default currency of the Internet? Square's Jack Dorsey hopes so.

CRYPTO INSIDER: HTC launches a 'blockchain phone'

Business Insider, 1/1/0001 12:00 AM PST

HTC Exodus

Welcome to Crypto Insider, Business Insider's roundup of all the bitcoin and cryptocurrency news you need to know today. Sign up here to get this email delivered direct to your inbox.

On Tuesday, HTC unveiled the HTC Exodus — a phone that it's describing as "the world's first native blockchain phone."

The Exodus will be similar to HTC's other Android smartphones, except it's being designed to support blockchain-based distributed apps, a feature the company describes as "built-in secure hardware."

Here are the current crypto prices:

Crypto prices bitcoin today

In the news:

New to Crypto Insider? Business Insider has a ton of articles to get you caught up to speed, including:

What other questions do you have about crypto? Ask them in Business Insider's Crypto Insider Facebook group today to discuss with readers from all over the world, as well as BI editorial staff.

SEE ALSO: A day in the life of a Wall Street strategist who wakes up at 5 a.m. to balance client calls with parenthood

Join the conversation about this story »

NOW WATCH: What will probably happen with the North and South Korean peace treaty

CRYPTO INSIDER: HTC launches a 'blockchain phone'

Business Insider, 1/1/0001 12:00 AM PST

HTC Exodus

Welcome to Crypto Insider, Business Insider's roundup of all the bitcoin and cryptocurrency news you need to know today. Sign up here to get this email delivered direct to your inbox.

On Tuesday, HTC unveiled the HTC Exodus — a phone that it's describing as "the world's first native blockchain phone."

The Exodus will be similar to HTC's other Android smartphones, except it's being designed to support blockchain-based distributed apps, a feature the company describes as "built-in secure hardware."

Here are the current crypto prices:

Crypto prices bitcoin today

In the news:

New to Crypto Insider? Business Insider has a ton of articles to get you caught up to speed, including:

What other questions do you have about crypto? Ask them in Business Insider's Crypto Insider Facebook group today to discuss with readers from all over the world, as well as BI editorial staff.

SEE ALSO: A day in the life of a Wall Street strategist who wakes up at 5 a.m. to balance client calls with parenthood

Join the conversation about this story »

NOW WATCH: What will probably happen with the North and South Korean peace treaty

CRYPTO INSIDER: HTC launches a 'blockchain phone'

Business Insider, 1/1/0001 12:00 AM PST

HTC Exodus

Welcome to Crypto Insider, Business Insider's roundup of all the bitcoin and cryptocurrency news you need to know today. Sign up here to get this email delivered direct to your inbox.

On Tuesday, HTC unveiled the HTC Exodus — a phone that it's describing as "the world's first native blockchain phone."

The Exodus will be similar to HTC's other Android smartphones, except it's being designed to support blockchain-based distributed apps, a feature the company describes as "built-in secure hardware."

Here are the current crypto prices:

Crypto prices bitcoin today

In the news:

New to Crypto Insider? Business Insider has a ton of articles to get you caught up to speed, including:

What other questions do you have about crypto? Ask them in Business Insider's Crypto Insider Facebook group today to discuss with readers from all over the world, as well as BI editorial staff.

SEE ALSO: A day in the life of a Wall Street strategist who wakes up at 5 a.m. to balance client calls with parenthood

Join the conversation about this story »

NOW WATCH: Ian Bremmer: Why the American dream doesn't exist anymore

CRYPTO INSIDER: HTC launches a 'blockchain phone'

Business Insider, 1/1/0001 12:00 AM PST

HTC Exodus

Welcome to Crypto Insider, Business Insider's roundup of all the bitcoin and cryptocurrency news you need to know today. Sign up here to get this email delivered direct to your inbox.

On Tuesday, HTC unveiled the HTC Exodus — a phone that it's describing as "the world's first native blockchain phone."

The Exodus will be similar to HTC's other Android smartphones, except it's being designed to support blockchain-based distributed apps, a feature the company describes as "built-in secure hardware."

Here are the current crypto prices:

Crypto prices bitcoin today

In the news:

New to Crypto Insider? Business Insider has a ton of articles to get you caught up to speed, including:

What other questions do you have about crypto? Ask them in Business Insider's Crypto Insider Facebook group today to discuss with readers from all over the world, as well as BI editorial staff.

SEE ALSO: A day in the life of a Wall Street strategist who wakes up at 5 a.m. to balance client calls with parenthood

Join the conversation about this story »

NOW WATCH: Ian Bremmer: Why the American dream doesn't exist anymore

Amazon Launches Blockchain Cloud Partnership With Ethereum Studio ConsenSys’ Kaleido

CryptoCoins News, 1/1/0001 12:00 AM PST

Amazon has partnered with blockchain incubator ConsenSys to enable its customers to build and manage their own blockchain platforms in an easy-to-use manner with ConsenSys’ Ethereum-based cloud platform called Kaleido. The move is part of an effort to make blockchain, the technology underpinning bitcoin, more accessible to customers of Amazon Web Services, the cloud-computing arm

The post Amazon Launches Blockchain Cloud Partnership With Ethereum Studio ConsenSys’ Kaleido appeared first on CCN

Coinbase is moving into business offerings

Business Insider, 1/1/0001 12:00 AM PST

This story was delivered to Business Insider Intelligence "Fintech Briefing" subscribers. To learn more and subscribe, please click here.

Cryptocurrency exchange operator Coinbase has announced the launch of Coinbase Custody, a custody service that will provide secure storage for institutional investors looking to trade cryptos. In the past month, over 100 hedge funds focused solely on crypto investing and trading have launched, according to Coinbase. This shows that the industry has seen a lot of growth, probably reflecting high customer demand.

Bitcoin trading volume, by exchange

Coinbase's new offering is designed to support further growth in the sector, and marks a strong push by the company into the institutional sphere. Additionally, Coinbase announced that the company is expanding its electronic marketplace with an office in Chicago, launching a suite of tools that will support institutional investors trading cryptos, dubbed Coinbase Prime, and is providing support for institutional clients via its Institutional Coverage Group.

Rolling out custody services for institutional clients could help bring more firms into the crypto space. Coinbase Custody can be used by institutional clients like sovereign wealth funds, pension plans, or asset managers that want to engage in crypto trading, but need somewhere secure to store their assets, according to Recode. Securely storing digital assets is a major concern for these firms, and has perhaps been a barrier to entry — custody services are commonly available for other financial instruments, yet have been lacking in the crypto sector.

This service will make investing in cryptos more accessible for financial institutions by providing a critical component needed to responsibly engage in trading of the assets. As a result, Coinbase may succeed in getting more firms to invest in cryptos on its platform.

Meanwhile, launching institutional services will help diversify Coinbase’s business. Offering services to institutions will add a new revenue stream for Coinbase, and marks a major shift in its overall strategy. The company has made a name for itself as a way for the masses to access cryptos, and the launch of this suite of products is a clear departure from that focus.

If Coinbase is successful in its efforts to woo institutions, it could cement a reputation as a trusted platform among a client base that's far more lucrative than retail investors. Moreover, Coinbase already has experience in storing cryptos safely, with around $20 billion crypto assets currently entrusted to it. We will therefore probably see many firms choosing to work with Coinbase, which will also boost the crypto industry as a whole.

Of the many technologies reshaping the world economy, distributed ledger technologies (DLTs) are among the most hyped. DLTs are most often associated with cryptocurrencies like Bitcoin, but such coverage sidelines the broader use cases of DLTs, even though they stand to make a far bigger impact on the broader the financial services (FS) industry.

DLT's value lies in its ability to centralize record-keeping, while cutting out the need for authorization by an overseeing party, instead allowing a record to be confirmed by multiple parties with access to the database. This means DLTs have the potential to streamline financial institutions' (FIs) operations, boost data security, improve customer relationships, and drastically cut costs. But many FIs have struggled to implement DLTs and reap the rewards, because of organizational obstacles, but also because of issues rooted in the technology itself. There are a few players working to make the technology more usable for FIs, and progress is now being made.

In a new report, Business Insider Intelligence takes a look at what DLTs are and why they hold so much promise for FS, the sectors in which DLTs are gaining the most traction and why, and the efforts underway to remove the obstacles preventing wider DLT adoption in finance. It also examines the few FIs close to unleashing their DLT projects, and how DLTs might transform the nature of FS if adoption truly takes off. 

Here are some of the key takeaways from the report:

  • DLTs are proving attractive to FIs because of their ability to act as a single source of truth, distribute information securely, cut out middlemen, improve transaction times, and cut redundancy and costs.
  • DLTs like blockchain and smart contracts stand to save the FS industry up to $50 billion a year through improved operational efficiencies, reduced human error, and better regulatory compliance. 
  • The technology is being explored actively across FS, with trade finance, insurance, and capital markets proving especially active. Overall adoption is still low because of organizational and technical hurdles, but these are now being eliminated, promising to boost implementation.
  • A few FIs have pulled ahead of the curve and are very close to taking their DLT projects live, if they haven't already. These players can serve as useful case studies for other institutions in getting their DLT solutions live.

In full, the report:

  • Looks at what DLTs are, and why the FS industry is working hard to make use of them. 
  • Gives an overview of the financial segments which are seeing the most DLT activity, and what they stand to gain.
  • Outlines efforts being made to make DLT more approachable and usable for the FS industry.
  • Examines use cases in which FIs have managed to take their pilots live, and what they can teach their peers. 

    Subscribe to an All-Access pass to Business Insider Intelligence and gain immediate access to:

    This report and more than 250 other expertly researched reports
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Circle raises $110 million (or 13,300 BTC)

TechCrunch, 1/1/0001 12:00 AM PST

Cryptocurrency startup Circle has raised a $110 million funding round, which values the company near $3 billion. Cryptocurrency mining company Bitmain is leading the round. Existing investors IDG Capital, Breyer Capital, General Catalyst, Accel, Digital Currency Group and Pantera are investing more money. Blockchain Capital and Tusk Ventures are investing in Circle for the first […]

Bear Revival? Bitcoin Risks Fall Below $8K After 3.5-Week Low

CoinDesk, 1/1/0001 12:00 AM PST

Bitcoin hit a 3.5-week low of $8,100 earlier today and now risks a bear revival, the price chart analysis indicates.

Bitmain Leads Circle’s $100 Million Round; Teams Up to Create Stable Coin

Bitcoin Magazine, 1/1/0001 12:00 AM PST

Bitmain Leads Circle’s $100 Million Round; Teams Up to Create Stable Coin

Bitmain, the largest of the Bitcoin mining operations, is putting its muscle behind mobile payments and cryptocurrency trading firm Circle by leading a $110 million Series E round of funding, the companies announced on Tuesday, March 15, 2018, at Consensus in New York City.

Several other venture capital firms, including Breyer Capital, General Catalyst and Accel, joined the round, which now pushes the value of Boston-based Circle to $3 billion, from a reported $480 million in 2016, according to a statement by Circle.  

Bitmain is also joining forces with Circle to create a so-called “stablecoin,” a cryptocurrency that is pegged to a stable asset. The goal is to eventually have lots of stable tokens, all backed by different fiat currencies, but the first will be Circle USD Coin (USDC), a coin backed one-to-one by the U.S. dollar with the fiat to be stored in an auditable bank account and redeemable by verified buyers.

The tokens will be based on Ethereum’s ERC20 standard and developed and governed by CENTRE, a foundation that will manage a collection of new, fiat-backed tokens. CENTRE is a wholly owned subsidiary of Circle, but Circle CEO Jeremy Allaire said that the foundation would become more independent as other members joined.

Alongside Circle and Bitmain, other CENTRE members will be able to produce their own fiat-based stablecoins and help set rules around how the coins will operate. According to the CENTRE’s whitepaper, governance of the network will include a type of voting that will leverage a forthcoming CENTRE-specific token that is separate from fiat tokens.

The way Circle sees it, a price-stable token is critical for enabling mainstream adoption of blockchain technology for payments and supporting financial contracts built on smart contract platforms, such as those for controlling token securities, loans and property.  

Circle’s new stable token joins a growing list of stable tokens meant to ease volatility of cryptocurrencies, like bitcoin, which can fluctuate wildly in value over even a few hours. Tether (USDT), introduced in 2015, is the biggest of the stablecoins, with about $2.2 billion in circulating supply.

Circle made news earlier this year when it purchased cryptocurrency exchange Poloniex. Circle plans to offer USDC through Poloniex. It will also incorporate USDC in its social payments app and over-the-counter (OTC) trading desk.

This article originally appeared on Bitcoin Magazine.

Bitcoin Cash and EOS Drop 13% as Cryptocurrency Market Sheds $30 Billion Overnight

CryptoCoins News, 1/1/0001 12:00 AM PST

The cryptocurrency market has dropped by more than $30 billion overnight, from $408 billion to $377 billion. Major cryptocurrencies such as bitcoin, Bitcoin Cash, EOS, and Cardano dropped in the 5 to 13 percent region, with Bitcoin Cash and EOS dropping 11 percent and 13.5 percent respectively. Bitcoin Cash and EOS Traders have often described

The post Bitcoin Cash and EOS Drop 13% as Cryptocurrency Market Sheds $30 Billion Overnight appeared first on CCN

Cambridge University's first crypto academic on 'crypto dog years,' why economists like Paul Krugman and Nouriel Roubini are wrong, and why he's joining Blockchain

Business Insider, 1/1/0001 12:00 AM PST

Garrick Hileman

  • Cryptocurrency economist Dr. Garrick Hileman is joining crypto wallet provider Blockchain.
  • Hileman wrote and teaches the University of Cambridge's first blockchain and cryptocurrency course.
  • Hileman will be Blockchain's head of research, looking at things like usage, geographical spread, and new areas such as stable coins.
  • Hileman talked to Business Insider about why he believes cryptocurrencies are here to stay, what he teaches at Cambridge, why skeptical economists like Paul Krugman and Nouriel Roubini are wrong, and more.

LONDON — Hot cryptocurrency company Blockchain has hired academic Dr. Garrick Hileman as its first head of research.

Hileman has been studying cryptocurrencies since 2011 and holds posts at both the University of Cambridge and the London School of Economics. He developed the first course on cryptocurrencies at Cambridge and still teaches it at the University's Judge Business School.

Hileman is also well respected in the crypto community, having been an early employee of sector news website CoinDesk. In that role, he created and authored the State of Bitcoin and State of Blockchain reports between 2013 and 2016.

Blockchain is the world's biggest cryptocurrency-wallet provider, with over 24 million of its wallets in use across 140 countries. The London-headquartered company is also working behind the scenes to build crypto-inspired products and services for mainstream finance. Blockchain recently hired former Goldman banker Breanne Madigan to lead Institutional Sales and Strategy.

Business Insider jumped on the phone with Hileman to hear about how he got into crypto, why he's bullish on the technology while other economists are sceptical, and what he'll be doing at Blockchain.

'I felt very comfortable pivoting my career'

Blockchain CEO Peter Smith

Hileman first discovered cryptocurrencies when he was doing his PhD at the London School of Economics in 2011. His thesis was on currency black markets and he heard about bitcoin, which at the time was largely being used to power the online black market Silk Road.

"It grabbed my attention and I thought, what is this thing?" Hileman told BI. "That was one of my first papers, looking at the taxonomy of cryptocurrencies."

The more he looked into the space, the more intrigued he became.

"It’s a very multidisciplinary subject so I think the complexity of it is very appealing to me," he said. "Someone like myself who’s worked in technology, worked in finance, studied economics, studied history, has an interest in policy questions — it really ticks a lot of boxes for me personally."

Hileman had spent more than a decade working for companies like Bank of America, The Home Depot, IDG, and Allianz before going back to academia.

"To me, it made sense that this was going to become something important and more significant over time so I felt very comfortable early on devoting significant time and really pivoting my career," he said.

'Many economists have a hard time seeing the technology'

nouriel roubini

Hileman's views on crypto make "unusual as an academic based economist," he admits.

"Many of my peers in academia have not been as enthusiastic about cryptocurrency or as open to the success its enjoyed and its growing importance."

Paul Krugman has called bitcoin "evil" and "an obvious bubble." Tyler Cowen describes himself as a "blockchain skeptic." And Nouriel Roubini, the economist credited with predicting the 2008 housing bubble, recently called bitcoin "bulls---."

"It seemed like it was underestimated by a lot of people," Hileman said. "Nouriel Roubini of course of late has been making a lot of noise but he’s one of many — Paul Krugman, Tyler Cowen, Brad DeLong and others — who have really bashed bitcoin for many years now.

"It’s been actually pretty surprising for me to learn that many economists have a hard time seeing the technology. The use of cryptocurrency and blockchain technology is really a technology platform and not just a currency, not just a return to the gold standard or something.

"Some of them don’t have the best track record for understanding technology, to be frank. Paul Krugman famously thought the internet wasn’t all that more significant than a fax machine. I’m not sure I would have a lot of success helping them understand the significance of this technology as a new platform, as something that in some ways can be compared to the internet."

'Crypto years are kind of like dog years'

Dr Garrick Hileman

In his Cambridge course, which he will continue to teach while at Blockchain, Hileman teaches the history of cryptocurrencies, the definition of money, the definition of blockchain, use cases for both, smart contracts, and adoption of the technology.

"I think it’s very difficult to understand what bitcoin and cryptocurrencies are if you don’t first understand what money is," he said.

"It’s been an eye-opener to me and many people who’ve been educating people about cryptocurrencies to learn how little people know about money — even people in finance and very, very smart people don’t know for example that the vast majority of our money is made through the process of lending by banks, privately owned institutions. Very few people when I ask for a show of hands know that the coins and notes in our pockets represent 5-10% of the money supply."

As for bitcoin, Hileman says he does not believe it counts as money: "It falls down as a widely used unit of account. It’s a store of value, it’s a means of exchange, but it’s not a unit of account."

While Heilman is confident of the significance of blockchain and cryptocurrency technologies, he is not comfortable making predictions about how the space will evolve.

"Crypto years are kind of like dog years," he said. "You pack 6, 7 years worth of time into a single year it seems. I personally am not making any 5 to 10-year projections."

A 'kid in a candy store'

Heilman said he feels like a "kid in a candy store" in his new role at Blockchain.

"Blockchain is one of the premier data organizations in the crypto space and has been a big supporter of my research in the past," he said.

"I’m going to be first and foremost really looking to better understand the data landscape both in terms of Blockchain as a company as well as across the space.

"There’s a lot of things we still don’t understand — where people who are using cryptocurrency, for example, are based primarily? How is cryptocurrency being used? Which cryptocurrencies are gaining more fundamental traction? I think a lot of work still needs to be done just on the empirical side."

Blockchain's CEO and cofounder Peter Smith said in a statement that Heilman's role will be to "not only help to advance our company but the industry at large with his work."

Heilman added: "Other areas I’ll be looking at early on are things like stable coins, which I think are a very interesting innovation. These are cryptocurrencies that are designed to be stable in value relative to things like the US dollar and may solve some of the volatility problems that many cryptocurrencies have and serve as a deterrent to payments."

SEE ALSO: 'We're innovating at the cusp of a whole new ecosystem': A former Goldman Sachs exec explains why she made the leap to blockchain

Join the conversation about this story »

NOW WATCH: There’s a major shift occurring that could signal the end of the historic bull market

Polish Credit Office to Deploy Blockchain Solution for Credit Histories

Bitcoin Magazine, 1/1/0001 12:00 AM PST

Polish Credit Office to Deploy Blockchain Solution for Credit Histories

The Polish Credit Office BIK, the largest credit office in Central and Eastern Europe, in partnership with Distributed Ledger Technology (DLT) provider Billon, will implement a blockchain technology solution for storage and secure access to highly sensitive customer information.

“Our cooperation with Billon is long-term,” said Mariusz Cholewa, president of BIK. “We believe that blockchain technology will transform how the financial sector communicates sensitive data with clients. Our solution will soon be expanded to include electronic delivery with active confirmation and remote signing of online agreements. It is also important that the solution meets the legal requirements of a durable medium of information, as well as the requirements of the EU General Data Protection Regulation [GDPR], which comes into force this month.”

BIK, which is owned by domestic and foreign banks in Poland, including the major banks, tracks over 140 million credit histories of over 1 million businesses and 24 million people in Poland, providing data on the credit history of bank clients, credit unions, etc. from the entire credit market in the country.

“Our partnership is a start of a true revolution in information management,” said Andrzej Horoszczak, founder and CEO of Billon. “It is our firm belief that the cooperation between Billon and BIK is the first step to introducing mass use of blockchain technology for trusted document management.”

According to Horoszczak, the solution that Billon has created with BIK provides the world’s first GDPR-compliant blockchain platform which can streamline customer service processes and manage the implementation of customer rights such as the “right to be forgotten.”

Founded in 2012, Billon is an FCA registered eMoney institution with offices in the U.K., U.S. and Poland. According to the company, Billon’s DLT solution, self-described as the “document blockchain” and built on a proprietary blockchain structure that does not require use of central databases, allows the safe, convenient and cost-effective storage, and sending of documents without running a risk of unauthorized access, tampering with the content or information loss.

“This solution returns control of user data back to consumers, creating a level playing field between individuals and big corporations,” added Horoszczak. “The benefits of this solution can have an impact beyond the financial sector, and we anticipate that it will soon be adopted by institutions across industries such as telecommunications, insurance and utilities.”

The DLT solution used for the BIK project will keep every document in accessible, long-term storage, independent of the status of the contractual relationship status between the service provider and the user. Patents have been filed and, according to Billon, the technology is ready to be implemented at performance levels that rival traditional centralized databases.

"Over the years, BIK has gathered over 140 million credit histories cross different sectors that will benefit from superior security, integrity, and immutability,” Horoszczak explained to Bitcoin Magazine.

“This revolution will also change the paradigm in the financial and insurance world — now consumers will command the visibility and integrity of their insurance claims, bank and loan documents all through to retirement plans using our blockchain technology. With Billon, you will also be able to clearly see when and what changes have been made to documents, giving consumers the capability to challenge and provide counter terms if required; all tracked on the blockchain.”

This article originally appeared on Bitcoin Magazine.

ImpactPPA Partners with Indian Government to Power 50 Million Rural Jobs

Bitcoin Magazine, 1/1/0001 12:00 AM PST

ImpactPPA Partners with Indian Government to Power 50 Million Rural Jobs

Decentralized energy platform ImpactPPA announced at Consensus 2018 in New York City that it has partnered with the Indian government to re-energize India’s cottage industry.

Under the auspice of the Honorable Minister Shri Giriraj Singh, ImpactPPA will be working with India’s Ministry of Micro, Small and Medium Enterprises to carry out the government’s Bhartiya Harit Khadi Gramodaya Sansthan (BHKGS) initiative. Translated roughly as “Indian Green Cotton Textile Village Development Organization,” the initiative will push to introduce some 50 million jobs for female workers in India’s more rural states.

Starting in Khanwan village in Bihar, the program plans to install textile looms in the homes of women workers. Per the partnership, ImpactPPA is charged with delivering renewable energy to power these looms, using the Ethereum blockchain to manage supply-chain logistics for the initiative.

“It’s an honor to work with the government of India to deploy out technology solutions,” Dan Bates, CEO of ImpactPPA, said in a statement. “A project of this scope clearly demonstrates that the use of renewable energy and blockchain technology has reached the mainstream. This partnership perfectly aligns with our fundamental mission to help improve quality of life with energy as the engine for social good and greater economic justice.”

The project estimates that its female workers could generate 8,000–10,000 rupees (~$115–145 USD) a month right out of their homes. This would mean that some families could experience a 60 percent increase to their monthly incomes, as the joint monthly income for families in some of India’s poorest villages just barely clears 7,000 rupees ($~100 USD).

Come June, the program expects to unveil the first iteration of its project, ushering in the milestone with a ribbon-cutting ceremony by Indian Prime Minister Narendra Modi. The inaugural facility in Khanawa will consume 100 KW of energy provided by ImpactPPA, as well as 2 KW systems to deploy the facility’s solar-powered looms.

“Having worked with the government of India on various solutions and projects for social impact, this alliance is a game-changer,” remarked Aradhana Singh, CEO and managing director of Sarang Services Pvt. Ltd., a company serving as India’s domestic partner for the project. “We are thrilled that ImpactPPA will be the provider of energy and blockchain technology and services for the project, bringing tangible economic growth opportunities while advocating women’s empowerment.”

ImpactPPA’s Mission and Story

With a history of providing renewable energy to underdeveloped areas for over 10 years, ImpactPPA wants to cut through the bureaucratic processes that it claims keeps clean, reliable energy from circulating in areas that need it most.

ImpactPPA plans to cut through the red tape of centralized NGOs and governments with its distributed platform and token (MPAQ). Through a combination of blockchain technology, smart contracts and its SmartPPA energy protocol, the project will streamline energy financing by allowing anyone to submit a project proposal to the network for consideration. Community members can then vote on which projects should see funding with the MPAQ token. If approved, ImpactPPA can then easily deploy energy to electricity anchors, called smart meters, whose data is connected to the blockchain.

ImpactPPA believes that its tokenized model can free energy innovations and electrical infrastructure projects from outdated financing processes. Most of all, it seeks to serve the underprivileged and destitute, as it envisions a future in which energy projects can easily enter into poorer areas thanks to a decentralized, global approach to funding and approval.

This article originally appeared on Bitcoin Magazine.

Derivatives Exchange LedgerX Launches CFTC-Regulated Bitcoin Savings Account

CryptoCoins News, 1/1/0001 12:00 AM PST

Cryptocurrency derivatives exchange LedgerX has launched the first bitcoin savings account regulated by the Commodity Futures Trading Commission (SEC). The new product, unveiled by the New York City-based firm on Tuesday, allows institutional investors to earn USD interest on their bitcoin holdings over three-month, six-month, and 12-month maturity periods, with target yields of up to

The post Derivatives Exchange LedgerX Launches CFTC-Regulated Bitcoin Savings Account appeared first on CCN

Social Cryptocurrency Trading and Brokerage Firm eToro Is Expanding to U.S.

Bitcoin Magazine, 1/1/0001 12:00 AM PST

Social Cryptocurrency Trading and Brokerage Firm eToro Is Expanding to U.S.

Israeli-based social trading platform eToro is expanding to the U.S. If all goes according to plan, U.S. citizens will be able to trade cryptocurrencies on the company’s platform sometime later this year.

The announcement, which eToro made today, May 15, 2018, at Consensus in New York City, comes on the heels of a $100 million funding round that eToro received in March 2018, bringing its total funding to $162 million. The company said at the time it would use the funds to expand into new markets.

eToro is a regulated global brokerage firm for trading cryptocurrencies, stocks, commodities, ETFs and more. Currently, the company has offices in Israel, throughout Europe and in the U.K. Now it is gearing up to launch in the U.S. American citizens will only be able to trade cryptocurrencies on eToro at first.

According eToro CEO and founder Yoni Assia, who spoke with Bitcoin Magazine, the company is currently in talks with U.S. financial institutions, regulators and regulatory advisors, and has already registered with the Financial Crimes Enforcement Network (FinCEN). The company is opening an office in New Jersey, says Assia.

“We believe we are going to see trillions of dollars moving into crypto and blockchain assets, and as we are one of the largest players in Europe and expanding to Asia as well; it seems logical to also have a significant footprint in the U.S,” he said.

The company is also aiming to launch a crypto wallet later this year. The digital wallet, which will enable users to hold multiple cryptocurrencies, will be available on the Apple App Store and Google Play Store.

About eToro

Founded in 2007, eToro now has over 10 million registered users trading more than 1,200 instruments, including Apple, Microsoft, Snap and Facebook, on the platform. The company has 500 employees.

In January 2014, eToro launched bitcoin (BTC) trading, becoming one of the first mainstream trading platforms to embrace cryptocurrency. But, really, eToro began getting involved in the crypto scene even earlier than that. Assia started looking into Bitcoin in 2011, going to conferences and meeting people in the crypto community. Two years later, he co-wrote the Colored Coins white paper with Ethereum creator Vitalik Buterin. (Colored Coins basically allows the creation of multiple assets on top of the Bitcoin blockchain.)

Cryptocurrency trading has turned into a profitable business for eToro. Between 2014 and early 2017, only 5 percent of eToro users were trading cryptocurrencies, Assia says. Then in March 2017, eToro added Ethereum (ETH) and five more coins in September 2017. At that point, “we started seeing a lot of our users flocking to cryptocurrencies,” he said.

Today, eToro carries the top 10 cryptocurrencies by market cap, and more than half of eToro users are trading cryptocurrencies on the platform. “They are interested today in cryptocurrencies more than they are interested in any other asset,” Assia said.

Social features are what sets eToro apart from other cryptocurrency exchanges. Users can send messages and share trading info among themselves. A feature called CopyTrader allows users to replicate other users’ trades. The concept is similar to mirror trading, a well-established trader strategy. eToro also lets traders invest in a Crypto CopyFund, which provides a diversified portfolio of major crypto assets.

Assia sees blockchain technology as a true game changer. “I think that it is an invention that is potentially as big as the internet and electricity, so one of the core big inventions of humanity,” he said.

This article originally appeared on Bitcoin Magazine.

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