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Bitcoin Price Too Volatile for Merchants, Claims PayPal CFO

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

The bitcoin price is too volatile to make it a useful payment tool for merchants, PayPal CFO John Rainey claimed in a recent interview. Bitcoin Price Too Volatile for Merchants Rainey made this claim during a recent episode of “Mad Money,” explaining that merchant margins are too thin to make bitcoin a viable payment medium.

The post Bitcoin Price Too Volatile for Merchants, Claims PayPal CFO appeared first on CCN

IBM and Veridium to Transform Carbon Credits into Blockchain-Based Tokens

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

carbon_credits.jpg

IBM has partnered with environmental fintech startup Veridium Labs to turn carbon credits — tradable instruments that provide an economic incentive to those who want to reduce their greenhouse gas emissions — into blockchain-based tokens.

In a joint press release, the two companies announced a collaboration to “transform the carbon credit market using IBM blockchain technology with the goal of making it easier for companies to offset their environmental footprints.”

"By using a public, permissioned blockchain network, we can help Veridium create a new sustainable marketplace that is good for business and good for the world," said Bridget van Kralingen, senior vice president of IBM Industry Platforms and Blockchain. “This is a great example of how industries are being reinvented by blockchain [technology], in this case establishing a far more efficient and transparent approach to carbon accounting and offsetting that will empower individuals and companies to play a role in improving our environment."

A carbon credit is defined as “a certificate showing that a government or company has paid to have a certain amount of carbon dioxide removed from the environment.” In return, environmental regulations allow the holders of carbon credits to burn a certain amount of fossil fuels.

While the carbon credits market exists, with many active sellers and buyers, measuring carbon emissions is complicated and costly, and purchasing carbon credits can be complex. According to the joint press release, “blockchain based digital assets, or tokens, can enable innovative ways to buy and use” carbon credits.

A recent report produced by the IBM Institute for Business Value (IBV), titled “Moving to a token-driven economy: Enabling the digitization of real-world assets,” notes that assets like gold, real estate, fine art or carbon credits are difficult to transfer, often necessitating an abundance of paperwork and prolonged procedures for both buyers and sellers. “By representing physical assets as digital tokens on a distributed digital ledger or blockchain, it’s possible to unlock the value of real-world assets and to exchange them in real time,” states the report.

Relying on IBM’s blockchain technology and expertise, Veridium “plans to transform carbon credits into a new type of fungible digital asset that can be redeemed and traded on the Stellar network.” Their approach “will encompass the entire process of carbon footprint accounting and offsetting.” The tokenized carbon credits will include REDD+ credits from InfiniteEARTH, backed by projects that pursue long-term sustainability. Both Veridium and InfiniteEARTH are associated with EnVision Corporation, an incubator of sustainable technologies.

Jared Klee, blockchain manager for token initiatives at IBM, explained to TechCrunch that buying and accounting for REDD+ credits is currently quite complicated. “It’s a major pain point,” he said. “Today REDD+ credits are over the counter assets and there is no central exchange.”

Therefore, IBM and Veridium’s initiative, also supported by Stellar, could significantly simplify carbon credits trading, thus making carbon credits more appealing and contributing to environmental preservation and sustainable development.

“For years, we’ve been trying to mitigate environmental impacts at every point in the value chain, however previous solutions still presented significant complexities and costs,” said Todd Lemons, the chairman of Veridium. “Our work with IBM is the first step in dramatically simplifying the accounting and offsetting processes, and therefore ultimately helping reduce costs. Our digital environmental assets are designed to help companies and institutional investors purchase and use carbon credits to mitigate their environmental impacts today, and even hedge their potential carbon liabilities risks in the future.”

This article originally appeared on Bitcoin Magazine.

Jack Dorsey Talks Bitcoin and Blockchain

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

The Twitter and Square founder closed out the Consensus conference with why he believes a global digital currency is an inevitability

Here's what you need to know about Zcash, a privacy-focused bitcoin competitor that just got a major boost

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

winklevoss zcash 2x1

  • Forget bitcoin and ethereum, there's a new cryptocurrency in town: zcash.
  • The Winklevoss twin's cryptocurrency exchange Gemini announced on Monday that it would start trading zcash on May 22.
  • This sent the price spiking up more than 40%.
  • Here's everything you need to know about zcash. 


Z Cash Fast FactsIn the world of cryptocurrencies, it can often feel like there is an innumerable amount of coins to invest in. So when major players in the space double down on one coin in particular, it's worth taking notice. 

On Tuesday, the Winklevoss twin's bitcoin exchange Gemini announced the addition of trading and custody for a coin called zcash, starting May 22. The price of zcash quickly shot up more than 40% on the news, from around $250 a coin to over $360. 

The US-based Gemini is small compared to other cryptocurrency exchanges, but it is also fairly selective. The exchange presently only lets users trade the two most popular cryptocurrencies, bitcoin and ethereum, so the addition of a new coin is a sign that it sees a future for zcash.

Zcash is a lot like bitcoin in that it lives on blockchain technology and is designed to be used as digital money. But it has one key thing that bitcoin doesn't: privacy. 

Gemini's VP of engineering Eric Winer called it "a truly innovative privacy coin that offers confidentiality for peer-to-peer transactions similar to those afforded" by normal money.

This is because unlike bitcoin, which keeps a permanent record of every single transaction in meticulous detail, zcash lets users choose when to hide their identity or the amount of currency being moved around.

Here's what you need to know about zcash:

Zcash is run by a venture-backed startup, but it's open source

Zcash (ZEC) is a decentralized cryptocurrency designed and maintained by the Zerocoin Electric Coin Company, or Zcash Company, a venture-backed startup founded by Zooko Wilcox (that's his real name, though the Z in Zcash apparently stands for zero, not Zooko). 

Zcash Company built the platform and pays a team of engineers to maintain it, though decisions about how to govern the platform fall to the Zcash Foundation. 

Because Zcash is open source, anyone with the technical know-how can make changes to the code and create what's known in the space as a "hard fork" — an update which splits the cryptocurrency into two different coins. But the Foundation makes it so that those decisions can be made by a somewhat neutral party. 

This is in contrast to a coin like XRP, the cryptocurrency controlled by the company Ripple. While Ripple has recently taken actions to decentralize XRP, its corporate origins have given some people in the crypto community pause and made it unlikely to trade on exchanges like Coinbase. 

Today, there are around 3.9 million zcash coins in the world. Like bitcoin, zcash transactions are processed by miners who volunteer their computer power in exchange for newly generated coins.

But unlike on bitcoin, when a miner mines zcash, some of the newly generated coins go to the Zcash Company and Foundation. The company treats these coins as revenue, and use them to pay its engineers and leadership team, as well as investors. 

Zcash is like bitcoin but transactions can be made privately 

Zcash April May 2018Zcash is designed to be more practical than other cryptocurrencies. 

"It's similar to bitcoin in most respects," said Jack Gavigan, chief operating officer at Zcash Company. "The key difference is that with bitcoin, all details are transparently visible on the bitcoin blockchain, and with zcash you have the option of shielding the coin."

Shielding the coin means that in any given transaction, the sender and receiver can hide their identities as well as the amount of currency being moved. The blockchain will record that a shielded transaction occurred, but it won't say what specifically happened. 

Gavigan believes this makes zcash more friendly to both consumers and privacy-focused regulations like Europe's GDPR — two factors which could increase the chance of the cryptocurrency being used by businesses or by average people in their day-to-day lives. 

"Privacy is a common requirement that people want and it's mandated by law in certain jurisdictions," Gavigan said. "Would you like it if your credit card statements and bank statement were published on the internet?"

But zcash also lets people leave their transactions public, which may be useful in some case, such as auditing "how foreign aid is distributed or paid." It means a single cryptocurrency can be used to privately pay rent or receive a salary, as well as publicly move money across borders. 

It also costs less money to make transactions on the blockchain

One concern that has emerged with bitcoin is that its price-per-transaction can get so expensive at times that it is impractical to make small purchases using the cryptocurrency. In December, for example, when bitcoin was at its peak price, it cost up to $55 in mining fees to make a single transaction. So if you bought a $1 item using bitcoin at that time, you paid $55 in fees on that purchase. 

But this isn't an issue with zcash since it has larger block sizes and blocks are created more frequently on zcash than they are on bitcoin, according to Gavigan. Zcash blocks are mined every 2.5 minutes, compared to every 10 minutes on bitcoin.  

But like bitcoin, it could also fork at any time. The code is open source, and it's possible that there will be disagreements in the zcash community which are so disruptive that two separate coins are created.

You can read more about forks here

This has happened with bitcoin numerous times, which is how we ended up with both bitcoin and bitcoin cash. And while it could happen with zcash eventually, Gavigan doesn't foresee any major forks in the future.

However, there are still upgrades coming. The zcash crew is preparing a new edition of zcash called Sapling, which it will release in September. 

Currently, transactions on zcash take 30 to 40 seconds to process since the cryptography associated with the coin is so intense. But Gavigan said the update with drastically reduce this processing time, "bring more efficient transactions and open up the usability of zcash a bit more."

SEE ALSO: Here's everything you need to know about blockchains, the ground-breaking tech that could be as disruptive as the internet

Join the conversation about this story »

NOW WATCH: Why you should never release your pet goldfish into the wild

Here's what you need to know about Zcash, a privacy-focused bitcoin competitor that just got a major boost

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

winklevoss zcash 2x1

  • Forget bitcoin and ethereum, there's a new cryptocurrency in town: zcash.
  • The Winklevoss twin's cryptocurrency exchange Gemini announced on Monday that it would start trading zcash on May 22.
  • This sent the price spiking up more than 40%.
  • Here's everything you need to know about zcash. 


Z Cash Fast FactsIn the world of cryptocurrencies, it can often feel like there is an innumerable amount of coins to invest in. So when major players in the space double down on one coin in particular, it's worth taking notice. 

On Tuesday, the Winklevoss twin's bitcoin exchange Gemini announced the addition of trading and custody for a coin called zcash, starting May 22. The price of zcash quickly shot up more than 40% on the news, from around $250 a coin to over $360. 

The US-based Gemini is small compared to other cryptocurrency exchanges, but it is also fairly selective. The exchange presently only lets users trade the two most popular cryptocurrencies, bitcoin and ethereum, so the addition of a new coin is a sign that it sees a future for zcash.

Zcash is a lot like bitcoin in that it lives on blockchain technology and is designed to be used as digital money. But it has one key thing that bitcoin doesn't: privacy. 

Gemini's VP of engineering Eric Winer called it "a truly innovative privacy coin that offers confidentiality for peer-to-peer transactions similar to those afforded" by normal money.

This is because unlike bitcoin, which keeps a permanent record of every single transaction in meticulous detail, zcash lets users choose when to hide their identity or the amount of currency being moved around.

Here's what you need to know about zcash:

Zcash is run by a venture-backed startup, but it's open source

Zcash (ZEC) is a decentralized cryptocurrency designed and maintained by the Zerocoin Electric Coin Company, or Zcash Company, a venture-backed startup founded by Zooko Wilcox (that's his real name, though the Z in Zcash apparently stands for zero, not Zooko). 

Zcash Company built the platform and pays a team of engineers to maintain it, though decisions about how to govern the platform fall to the Zcash Foundation. 

Because Zcash is open source, anyone with the technical know-how can make changes to the code and create what's known in the space as a "hard fork" — an update which splits the cryptocurrency into two different coins. But the Foundation makes it so that those decisions can be made by a somewhat neutral party. 

This is in contrast to a coin like XRP, the cryptocurrency controlled by the company Ripple. While Ripple has recently taken actions to decentralize XRP, its corporate origins have given some people in the crypto community pause and made it unlikely to trade on exchanges like Coinbase. 

Today, there are around 3.9 million zcash coins in the world. Like bitcoin, zcash transactions are processed by miners who volunteer their computer power in exchange for newly generated coins.

But unlike on bitcoin, when a miner mines zcash, some of the newly generated coins go to the Zcash Company and Foundation. The company treats these coins as revenue, and use them to pay its engineers and leadership team, as well as investors. 

Zcash is like bitcoin but transactions can be made privately 

Zcash April May 2018Zcash is designed to be more practical than other cryptocurrencies. 

"It's similar to bitcoin in most respects," said Jack Gavigan, chief operating officer at Zcash Company. "The key difference is that with bitcoin, all details are transparently visible on the bitcoin blockchain, and with zcash you have the option of shielding the coin."

Shielding the coin means that in any given transaction, the sender and receiver can hide their identities as well as the amount of currency being moved. The blockchain will record that a shielded transaction occurred, but it won't say what specifically happened. 

Gavigan believes this makes zcash more friendly to both consumers and privacy-focused regulations like Europe's GDPR — two factors which could increase the chance of the cryptocurrency being used by businesses or by average people in their day-to-day lives. 

"Privacy is a common requirement that people want and it's mandated by law in certain jurisdictions," Gavigan said. "Would you like it if your credit card statements and bank statement were published on the internet?"

But zcash also lets people leave their transactions public, which may be useful in some case, such as auditing "how foreign aid is distributed or paid." It means a single cryptocurrency can be used to privately pay rent or receive a salary, as well as publicly move money across borders. 

It also costs less money to make transactions on the blockchain

One concern that has emerged with bitcoin is that its price-per-transaction can get so expensive at times that it is impractical to make small purchases using the cryptocurrency. In December, for example, when bitcoin was at its peak price, it cost up to $55 in mining fees to make a single transaction. So if you bought a $1 item using bitcoin at that time, you paid $55 in fees on that purchase. 

But this isn't an issue with zcash since it has larger block sizes and blocks are created more frequently on zcash than they are on bitcoin, according to Gavigan. Zcash blocks are mined every 2.5 minutes, compared to every 10 minutes on bitcoin.  

But like bitcoin, it could also fork at any time. The code is open source, and it's possible that there will be disagreements in the zcash community which are so disruptive that two separate coins are created.

You can read more about forks here

This has happened with bitcoin numerous times, which is how we ended up with both bitcoin and bitcoin cash. And while it could happen with zcash eventually, Gavigan doesn't foresee any major forks in the future.

However, there are still upgrades coming. The zcash crew is preparing a new edition of zcash called Sapling, which it will release in September. 

Currently, transactions on zcash take 30 to 40 seconds to process since the cryptography associated with the coin is so intense. But Gavigan said the update with drastically reduce this processing time, "bring more efficient transactions and open up the usability of zcash a bit more."

SEE ALSO: Here's everything you need to know about blockchains, the ground-breaking tech that could be as disruptive as the internet

Join the conversation about this story »

NOW WATCH: Why you should never release your pet goldfish into the wild

Streamr Launches Real-Time Data Marketplace, Partners With Nokia and OSIsoft

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

Streamr Launches Real-Time Data Marketplace, Partners With Nokia and OSIsoft

Streamr, the blockchain-based data platform based in Zug, Switzerland, launched their real-time data Marketplace on May 16, 2018, during a presentation at Consensus 2018. This was followed by an announcement of partnerships with Nokia and OSIsoft.

The Streamr Marketplace connects data producers and consumers through a web-based application where data consumers can pay for access to real-time data streams listed by data providers. For example, a recent partnership between Streamr and Hewlett Packard Enterprise will allow vehicle data to be monetized in real-time. Vehicles generate data that is usable to third parties — it might be used to gauge traffic through a geographic region, or to fine-tune traffic signals, or to schedule road work, etc. Rather than just giving that data away for free, vehicle owners can make use of the Streamr Marketplace to monetize and trade that data.

The use of the Streamr cryptographic token, DATA, will make it possible for data streams around the world to be freely tradable. The terms of use, pricing schedules and more are currently coded in Ethereum smart contracts, though Streamr has plans to support additional networks. The Streamr platform does not charge a transaction fee, but external fees from the blockchain network being used may apply. People acting as nodes on the network for Streamr will earn DATA as a reward for supporting the Marketplace and making it possible to make data a freely traded commodity around the world.

Streamr’s agreement with Nokia — a multinational telecommunications, information technology and consumer electronics provider — will focus on developing the next generation of mobile base stations and allow Nokia customers to monetize their data through a range of IoT sensors and devices. The integration of Nokia’s Kuha transportable base stations into the Streamr Marketplace will allow users of the base stations to buy and sell data worldwide.

Martti Ylikoski, radio system evolution lead at Nokia, commented, “Providing smart mobile coverage for up to four billion individuals across the world is a major challenge and current solutions don’t go far enough.”

Ylikoski noted that there has been a growing movement of empowered mobile customers who want to control and monetize their own data. “Our partnership with Streamr reflects our firm belief in the platform, as well as our commitment to better serve our customers.”

Meanwhile, Streamr’s partnership with OSIsoft will aim to enable new business cases and data sharing solutions not yet available on the market. OSIsoft is an industry leader in operational intelligence, delivering an open enterprise infrastructure to connect sensor-based data, systems and people.

The OSIsoft PI System is a suite of data-collection software with the ability to analyze, visualize and share data, as well as compare historical and real-time information, resulting in key insights that help companies to improve, optimize and transform their business.

Richard Beeson, CTO of OSIsoft, said, “By integrating OSIsoft’s PI System with the Streamr Marketplace, we take a step toward offering our customers the ability to share and monetize their operations data. The partnership with Streamr demonstrates how the PI system can plug into an open source platform and highlights our commitment to empowering our customers to maximize the value of their business operations data. Together with Streamr, we can be the enablers of innovation in the ever-evolving data market.”


This article originally appeared on Bitcoin Magazine.

Fred Wilson Explains Why Warren Buffett Doesn’t Get Bitcoin

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

Fred Wilson on Warren Buffet at Consensus

Yesterday, May 16, 2018, well-known venture capitalists Fred Wilson and Balaji Srinivasan, the latter of which is now the CTO at Coinbase, had a chat with Wall Street Journal reporter Paul Vigna on the mainstage of Consensus 2018. During the discussion, Srinivasan and Wilson were asked for their opinions on recent comments made by Warren Buffett, Nouriel Roubini and other notable bitcoin skeptics who have been quoted in the media recently.

In their responses, the pair of tech investors (but mostly Wilson) pointed out the differences between Buffett’s approach to investing and how the crypto asset market works. It is these fundamental differences between crypto assets and traditional stocks that may explain why the “Oracle of Omaha” has a general distaste for bitcoin.

For those who missed it, Buffett recently referred to bitcoin as “rat poison squared” at Berkshire Hathaway’s 2018 annual shareholder meeting.

The Right Way to Look at Crypto Assets

One of the key counterarguments to Buffett’s assessment of bitcoin made during the chat at Consensus 2018 was articulated by Wilson right after the topic was first brought up by Vigna.

“Calling it rat poison, to me, suggests that they haven’t taken the time to really understand what’s going on here,” said Wilson. “If all you think of it as is some new asset class and some new thing that you can trade, then I think you’ll come to that conclusion. But if you really understand that this is a fundamental innovation in foundational technology for the internet that provides a bunch of new functionality that didn’t exist before this, then what I see it as is like the LAMP stack or something. This is an entirely new stack that we’re going to get to build new applications on top of, and the tokens are just the fuel that lights up that stack.”

The LAMP stack referenced by Wilson is an open-source platform and set of tools (Linux, Apache, MySQL and Python or some other scripting language) that has been used to build dynamic websites and applications during the “Web 2.0” phase of the internet. Some view blockchain technology, of which bitcoin was the first implementation, as a key component of a new, decentralized internet, which has been dubbed “Web 3.0.”

This Is Very Different From Buffett’s World

Wilson would later add that his work in venture capital is quite different from Warren Buffett’s approach to the investment world. While Buffett searches for cash-producing assets that will grow in value over time, Wilson is making a large number of moonshot bets in anticipation that a handful of them will lead to hundredfold gains.

Talking more specifically about the world of crypto assets, Wilson explained that this market is more about picking the networks that will win rather than the businesses built on top of them.

“The value is going to ultimately, I think, accrue to the token, not necessarily to the operating business that you build on top of these networks,” said Wilson.

In short, the ways in which the tokens native to these networks are valued are quite different from a normal business that Buffett would purchase. How to fundamentally value these crypto assets is still an open question, which adds even more difficulty and specialization to the emerging market.

“There are some things about this sector that are unlike any other asset class we’ve ever seen,” Wilson would later add during a digression regarding forks in the crypto asset ecosystem.

While Wilson admitted there are some crypto tokens that have inflated valuations right now, Srinivasan added that bitcoin and blockchain technology in general have already reached a point at which people like Buffett are frequently asked to comment on the topic, which points to a level of success that has already been achieved.

Additionally, Srinivasan mentioned that other institutional figures, such as IMF Managing Director Christine Lagarde and Goldman Sachs CEO Lloyd Blankfein, have had more positive things to say about the future of crypto assets.

This article originally appeared on Bitcoin Magazine.

CRYPTO INSIDER: The SEC made a parody cryptocurrency

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

HoweyCoin

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.

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CRYPTO INSIDER: The SEC made a parody cryptocurrency

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

HoweyCoin

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.

SEE ALSO: GOLDMAN SACHS: Tesla may need $10 billion in fresh cash in the next 18 months

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CRYPTO INSIDER: The SEC made a parody cryptocurrency

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

HoweyCoin

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CRYPTO INSIDER: The SEC made a parody cryptocurrency

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

HoweyCoin

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.

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Bears Beware! Bitcoin Price Will Reach Record Highs This Year: Fmr. JPMorgan Trader

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

The bitcoin price entered another bearish trend this week after failing to pierce $10,000 earlier in the month. The flagship cryptocurrency now sits more than 58 percent below the all-time high it set in December, but one former JPMorgan trader remains confident that it will trade above $20,000 before the year is out. Danny Masters,

The post Bears Beware! Bitcoin Price Will Reach Record Highs This Year: Fmr. JPMorgan Trader appeared first on CCN

eToro is launching a cryptocurrency exchange

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

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After raising $100 million in March, trading platform eToro has announced plans to launch a cryptocurrency exchange and crypto wallet, as well as plans for its first US expansion. eToro started getting into the crypto space in 2014, when it launched contracts for difference (CFDs), and has since allowed users to buy and sell certain cryptocurrencies via the platform. As such, its decision to deploy a crypto exchange does not come as a surprise.Sources of Traffic on Global Cryptocurrency Markets by Country

Here's what these announcements likely mean for eToro's business:

  • Launching a crypto exchange will further diversify its services. eToro is known for its social features that allow investors to copy popular trades by experienced investors. It currently has 250 experts who trade via the platform that customers can mimic. By bringing this service to the crypto space, eToro may be able to onboard customers who wouldn’t usually trade the assets, perhaps due to lack of confidence. That could make the platform attractive to an entirely new crop of investors.
  • Its launch in the US will give eToro a more global reach. The company already has operations live in the UK, Israel, and Europe, and expanding to the US will allow it to onboard a much larger swathe of customers. eToro will enter the US with only its crypto exchange at first, but other features will likely follow. In fact, it is currently in talks with financial institutions in the US, regulators, and advisors about the move.

eToro's deep experience in trading and fresh capital will likely help it remain successful. That eToro recently secured a large funding round will likely come in handy for its plans to launch its new crypto services, as well as the move to the US. And, due to the platform's ability to remove the need to educate oneself extensively on cryptocurrencies before trading, we expect uptake of its latest offerings to be high. As such, the platform is likely poised for continued success, and perhaps further expansion.

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. 

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Bitcoin Mining Could Use 0.5% of World’s Electricity Energy in 2018

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

A recently released peer-reviewed article by blockchain evangelist and financial economist Alex de Vries deployed a novel methodology to determine Bitcoin’s energy usage a few years from now, and the estimated results are certainly astonishing. Pay with Bitcoin or Power a Home? Published on May 16 on Joule,  de Vries made use of complex economic

The post Bitcoin Mining Could Use 0.5% of World’s Electricity Energy in 2018 appeared first on CCN

JPMorgan has asked a 29-year-old highflier at the bank to draw up a cryptocurrency strategy

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

Oliver Harris, JPMorgan

  • JPMorgan has appointed London-based Oliver Harris, 29, as its new head of crypto-asset strategy.
  • Harris has been running the bank's "In Residence" fintech program for the last two years.
  • In his new role, he will be identifying crypto projects for JPMorgan to develop in-house.

LONDON — JPMorgan has asked a London-based fintech head to draw up a cryptocurrency strategy for the bank.

Oliver Harris, 29, is taking on a new role as head of crypto-assets strategy, reporting to Umar Farooq who is head of blockchain initiatives at the corporate and investment bank. Harris will also lead JPMorgan's Quorum project, the internal blockchain platform developed by the bank, which is rumoured to be preparing for a spin-off.

Financial News first reported Harris' new job, which Harris has advertised on his LinkedIn profile. JPMorgan declined to comment when contacted by Business Insider.

Harris has been running JPMorgan's "In Residence" programme for the last two years, which identifies and partners with promising fintech startups.

Business Insider understands that Harris will be identifying and spearheading new crypto projects for the bank in his role, rather than actively trading cryptocurrencies. Financial News reports that Harris will look at crypto custody services and how blockchain could work in JPMorgan's payments business.

JPMorgan CEO Jamie Dimon has been famously dismissive of cryptocurrencies and bitcoin specifically, calling it a fraud last September. More recently he told CNBC: "I'm open-minded to uses of cryptocurrencies if properly controlled and regulated."

Mainstream financial institutions that were once wary of cryptocurrencies are increasingly exploring ways to enter the market. Goldman Sachs recently announced it is setting up a bitcoin trading desk and exchange group CME this week launched two ethereum price indexes, sitting alongside bitcoin future products it launched last year.

SEE ALSO: Bitcoin pops after report Goldman Sachs will start trading products linked to crypto

DON'T MISS: Exchange operator CME is going deeper into cryptocurrencies

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NOW WATCH: 80% of start-up money goes to three states — here's what one visionary is doing to help spread the wealth

China Ranks Ethereum as the World’s Best Blockchain Network, Bitcoin at #13

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

On May 17, China’s Ministry of Industry and Information Technology released its public blockchain ratings, ranking various blockchain projects like Ethereum in the global cryptocurrency sector based on three criteria: technology, application, and innovation. Bitcoin at #13 As shown in the chart below, the Chinese government ranked Ethereum as the world’s best blockchain network at

The post China Ranks Ethereum as the World’s Best Blockchain Network, Bitcoin at #13 appeared first on CCN

Cryptocurrency Market Regains $7 Billion as Augur and EOS Prices Jump

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

The cryptocurrency market has slightly rebounded by $7 billion over the last 24 hours, despite the struggles of bitcoin, ethereum, and other major cryptocurrencies in the global market. Augur Deploys Smart Contracts On Ethereum Mainnet Earlier today, on May 17, the Augur team announced that after years of development, the smart contracts of Augur will

The post Cryptocurrency Market Regains $7 Billion as Augur and EOS Prices Jump appeared first on CCN

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