Paxful Breaks Ground On Nigerian School In #builtwithbitcoin Initiative

October 21, 2020 by  
Filed under Business

There has been a great initiative that has risen to a significant extent right now. It is the #BuiltWithBitcoin initiative that we are talking about. This has transformed approximately 100 schools already and has set foot in Nigeria’s school on September 17 as announced by peer-to-peer cryptocurrency marketplace Paxful.

Thisinittiave began in the year 2017 with a collaboration with a humanitarian organization, Zam Zam water. The first two schools were based in Rwanda and completed in 2017a and 2018, respectively. The third one was built in Kenya in the year 2020. And the list goes on.

The school is basically located in the Ankara Nandu community and belongs to the Sanga Local. It serves an estimated 100-120 children that are at the age of three to six years. It also acts as an education center for adults during the evenings. Thus, this one school is providing education to all the students residing in the entire city, which can sometimes result in inefficient teaching. Thus, the company focused on better school facilities.

Why this city even? This is because currently, 4000 people are residing in this city and are underdeveloped. It consists of just one school that provides both primary and secondary education to the students, as mentioned by the CEO of Paxful. They have a lack of the necessary supplements and resources and have a limited school infrastructure. They are in the real need of quality learning resources. Thus, investing and transforming lives with bitcoins is surely an excellent option to serve society by enhancing education.

Furthermore, the schools will have solar panels that will save up from the electricity expenses and even take care of the frequent fluctuations. They have even focused on providing the students with filtered water to keep the students’ health safe and sound. The filtered water is sold at a reasonable price to provide them with the feasibility to afford them easily.

They also cover the entire fees involved with the whole school’s entire processesses, including the staff salaries, bills, supplies, etc.  They finance even the uniforms of the students. Great, right? Such great contributions to society are surely something to rave about!

They’ve even expanded and have raised funds for the relief against the pandemic in Africa. They have reached an amount of a whopping $35,000 already!

Thus, this is undoubtedly an excellent initiative taken by Paxful for the betterment of society as a whole. Education is a complete necessity. Underprivileged and underdeveloped cities need the attention to upgrade their infrastructure so that they can provide at least a decent education to their students. Furthermore, Bitcoin’s use is undoubtedly the most innovative deal here since this will raise awareness about cryptocurrencies among the students.

This is certainly for a golden cause. They have aimed to build and upgrade many such schools in the upcoming years to improve the quality of education in the entire world. And why not? Aren’t these children basically the future of this world? Initiatives like these should be supported and given adequate encouragement for an overall increment of society, which is pretty essential right now provided such cities’ scenarios.

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The Emergence Of Cryptocurrency Hedge Funds

October 5, 2020 by  
Filed under Business

Risk-averse investors have always believed in hedge funds and analysts to guide their money in the right direction under all market conditions. With the rise of cryptocurrencies like Bitcoin, analysts have found a new edge in hedge funds. However, timing is an important player. Even under extreme stress scenarios, the huge growth of Bitcoins has increased the investor’s faith in cryptocurrency.

Accessible infrastructure makes transactions via block chain easy and makes it possible for investors to exchange crypto with fiat currency, enabling the big fishes to swim in the new found waters. With the creation of a perfect entry for hedge funds, the small volume asset like Bitcoin, which recently touched the $100 billion market capitalization benchmark and the ever interested population of investors, have taken the plunge. Though there has been both dismay and accolades in the crypto community, one thing is for sure – The returns so far have been excellent.

What is a Cryptocurrency Hedge fund?

A Cryptocurrency Hedge fund, unlike a Cryptocurrency Index fund, is a way for an investor to invest in a large group of underlying securities. Expert analysts manage these funds, re-balance as and when required, and continuously analyze. This manoeuvring helps investors in garnering profits.

Cryptocurrency Hedge funds are of two types at present. One has portfolios containing exclusively cryptocurrency, and the other has mixed cryptocurrency with different asset types.

The first type of cryptocurrency hedge fund seeks to maximize profits by adding newly offered coins to the mix. In contrast, the second type of cryptocurrency hedge funds is more risk averse and produces lesser profits.

Asset under Management.

A recent survey by PWC and Elwood Asset Management Services Ltd, titled “2020 Crypto Hedge Fund Report,” has shown that the cryptocurrency hedge funds’ assets under management have significantly risen to $2 billion at the end of last year. This industry is expected to grow more along with the price of Bitcoins.

The 2020 report states that there are around 150 active crypto hedge funds. Two-third of which were launched in 2018 or 2019.

Most cryptocurrencies surveyed traded BTC at 97%, followed by ETC at 67%, XRP at 38%, LTC at 38%, BCH at 31%, and EOS at 25%. The price increase of cryptocurrencies, like Bitcoin that increased from $3872 on Jan 1, 2019, to $7174 on Dec 31, 2019, is also considered to be a factor in the increase of AUM.

Several analysts have predicted that the interest in cryptocurrencies from institutional investors will increase post the COVID -19 pandemic.

The vast majority of investors in cryptocurrency hedge funds are either family offices or high net worth individuals. A growing number of funds have been investing in cryptocurrency hedge funds, causing the whole ecosystem to emerge massively.

Wall Street has also become more open to BTC (Bitcoin) as a new asset class. With more and more talent shifting from the traditional hedge funds to the digital assets proves that cryptocurrency is here to stay.

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Bulgarian Police Arrested 2 Bitcoin Farmers As They Were Caught Stealing 1.5 Million USD In Electricity

September 7, 2020 by  
Filed under Business

This news contains everything about two citizens of Bulgaria who were accused of robbing approximately 1.5 million USD in electricity utilized for running cryptocurrency mining farms in an illicit way.

Those two men are already arrested by the Bulgarian authorities for stealing more than 1.5 million USD. On the basis of a report made on Bulgaria Today, it says that the police detained them in a small Bulgarian town called Kyustendil.

Details on the News

All the representatives from the CEZ Electro Bulgaria and the ODMVR, the acronym for “Oblast-Directorate-of-the-Ministry-of-Interior-Affairs” made their statements at a conference. They said that the two inhabitants of Bulgaria, both from Sofia aged 38 & 31 respectively, were caught red-handed while they were funneling power to two illicit crypto mining farmsteads for 3 to 6 months. Nonetheless, the proofs say that the mining tool was present at the robbing site for over one year.

Philip Yordanov, the Deputy Director of CEZ, said that this incident is the biggest robbery of electricity that was ever detected. They stole so much power from the facility, it was enough to provide electricity to the neighboring township for approximately one month.

Before the two criminals were released to await trial, they were detained by the police for 24 hours.

Similar Incidents

There are numerous unethical cryptocurrency miners who have attempted to do similar kinds of crimes in many countries as those criminals gradually learned the profit they can have through these illicit approaches.

In China

One such incident also took place in China where 22 suspects were taken under police custody in July 2019  and are still considered to be one biggest theft in the crypto-realm. They were put in the main suspect list as they were involved in an unlawful mining farm making the usage of 3 million USD in robbed electric power. Police have impounded 4000 mining rigs at 9 respected factories.

In Russia

Russian officials have also tried to make stricter rules against Bitcoin miners robbing electric power. In June 2020, police arrested a man of 30. He was charged for looting almost 500000 USD in electricity from the state power network.

In March, another man was arrested along with his 9 assistants for getting involved in a similar crime where they stole around 200000 USD in electricity per month to mine cryptocurrency.

 

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Huobi Links With Japan STO Association Besides MUFG And Other 10 Players

August 20, 2020 by  
Filed under Business

Houbi has finally become a part of the regional self-regulatory organization that acts as a pillar to the evolution of offerings of security tokens.

The Japanese branch of Huobi has linked with JSTOA, which stands for the Japan-Security-Token-Offering-Association. It joined the association in the form of a supporting member besides FXCoin, Zaif, and other 8 regional cryptocurrency players. This info is completely based on a report published earlier on the 3rd of August, 2020.

Chen’s Declaration

Haiteng Chen, the CEO of Huobi’s Japanese branch made a clarification through the statement saying that a complete member needs to be a securities company that would be possessing a Finance 1 license.

The CEO also added that for not having this particular license, they would not be capable of applying for a complete membership. The Japanese branch puts its focus on streamlining the security tokens’ transactions tracking this specific self-regulatory body.

JSTOA’s Main Task

The Japan-Security-Token-Offering-Association(JSTOA) came into being in 2019’s October. It was started by six leading brokerages of Japan including Rakuten Securities and SBI Securities.

The main duty of the Japan-Security-Token-Offering-Association(JSTOA) is to act as a strong backbone to the evolution of the offerings of security tokens in such an approach that makes sure that there is the protection of the investors along with lawful compliance. In the month of April 2020, the JSTOA came up with a set of guidelines that says everything about how to divide electronic record transfer rights from customer assets.

Japan Stands Out

The report says that Houbi’s CEO Mr. Chen also stated that the JSTOA team agrees with the principles and they have quoted the motto of the association which is ‘to promote and popularize security token to revive the financial and capital market’, for fostering developed industry and for carrying on the international competing nature. This is the comment that made the CEO of crypto exchange say that Japan is the one nation of very few nations that lead and initiate an obedience system for digital assets.

Japan is Keeping Pace with Cryptocurrency

For the time being, the FSA, also known as the Financial Services Agency, has declared that Ryozo Himino is its current chief. He is considered to be very much optimistic regarding the crypto real. Concurrently, Kazushige Kamiyama was elected as the leader of a research team of CBDC by the Bank of Japan.

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Major Twitter Hack Ropes In Elon Musk, Bill Gates, and Kanye West

August 4, 2020 by  
Filed under Business

On the 15th of July, 2020, Twitter fans frenzied over hacked accounts of Elon Musk, Bill Gates, and Kanye West, among others. The attackers were Bitcoin thieves who tried to target cryptocurrency owners and steal their Bitcoins.

Elon Musk’s tweet read, “I’m feeling generous because of Covid-19. I’ll double any BTC payment sent to my BTC address for the next one hour. Good luck, and stay safe out there!”

Whereas, Bill Gates’ hacked tweet said, “Everyone is asking me to give back, and now is the time. I’m doubling all payments sent to my BTC address in the next 30 minutes. You send $1,000, I send you back $2,000. Only going on for 30 minutes! Enjoy!”

Such tweets were seen across Twitter. They would appear and then vanish after some time, only to reappear moments later. Other Twitter handles such as @Bitcoin Twitter, Binance, Apple, Gemini, Uber, and Coinbase also were among the accounts that were hacked. Barack Obama was also among the many politicians, celebrities, and executives whose accounts were hacked.

Bill Gates’ team gave a statement refuting the tweet saying, “We can confirm that this tweet was not sent by Bill Gates. This appears to be part of a larger issue that Twitter is facing. Twitter is aware and working to restore the account.”

Twitter, on the other hand, called this hack a “coordinated social engineering attack.” The investigation into the same is ongoing, although the manner of the attack and the reason was rather clear.

Twitter sent out a tweet in response to the attack saying, “We detected what we believe to be a coordinated social engineering attack by people who successfully targeted some of our employees with access to internal systems and tools.”

This wide-scale hack raised questions on what Twitter was doing to save accounts of the people using this social media networking site. Twitter has previously had such cryptocurrency attacks; however, none were on such a massive extent.

An earlier attack in 2018 had compromised the Twitter accounts of Google’s G Suit and Target in a similar cryptocurrency racket. In 2019, the CEO of Twitter, Jack Dorsey’s account was hacked where the hackers sent out racist, anti-Semitic, and sexist tweets. Despite such attacks, it seems like Twitter has failed to provide a better security system for the millions of users currently using their site.

Hackers had given out a link in this large-scale attack on the 15th of July for innocent cryptocurrency users to send their Bitcoins. The link had recorded that it received close to 12.30776555 BTC, which is approximately $113,572.

In response to the hack, Twitter immediately blocked verified account users from temporarily tweeting or resetting their passwords. Although users have been given back access to their accounts, Twitter employees are still working towards fixing the problem and providing a more secure system.

Meanwhile, an Instagram account, Crypto For Health, claimed that the attack was made by them. They posted a story on their Instagram profile, which read, “It was a charity attack. Your money will find its way to the right place.” This news is yet to be verified by Twitter and other authorities.

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Cryptocurrencies Could Undermine Obsolete Laws, Says Cybersecurity Expert

July 29, 2020 by  
Filed under Business

How many of us hope for a change in our ages-old finance system in a rapidly changing world? I think there are many. However, the change in the current age is more than necessary; it might not satisfy the ruler’s sweet tooth. The same old rules for transactions, taxation, deductions, fees and its high time there’s a change in all these but do you see the process moving ant faster or at all? No, right. Cryptocurrency seems to solve many of these outdated laws. Wondering how? Read through and find out the views of the famous cybersecurity expert Pavol Luptak’s observations and insights on this:

Luptak’s overview of the Crypto market:

According to Luptak, the modern century needs modern laws, and the cryptocurrency can achieve that by abolishing some of the Obsolete laws. Below are some of the spikes from Luptak’s perceptions:

  • Free from the clutches of taxes:

Imagine you have a registered firm within your state or country laws and how paying innumerable taxes can be of a burden. Luptak says with the offshore firm management system these days, and you can simply create a hidden firm with crypto assets instead of traditional transactions which are impossible to impose can lead to a significant downfall in the taxes.

  • Taking over the decentralized business with crypto transactions:

Many local decentralized businesses that are off the government’s hook have the chance of choosing their own payment methods for transactions. What if the business accepts the anonymous crypto transactions which are off the chart? The business can save some tax amount on transactions, and the client can get the product or service for less price because of no taxation. When there’s a win-win for both sides, wouldn’t it be beneficial?

As the Governments cannot track these transactions, cryptocurrency can give birth to an unidentified and unacknowledged business.

  • Virtue & Evil forms of technology:

Decentralizing may be the key to technologically saving money. But there’s always a threat of digital currency fluctuations. Sure, the evolving technology fulfils the needs of future technology, but it always comes with a price to pay with several cyber threats. But well, there isn’t any stable progression without the downfall, and so this goes.

Old is not gold all the time. Pavol Luptak’s views about cryptocurrency’s rise in the outworn rules of the 21st century have brought a different perspective in the financial specialists. The update to old-school rules are awaited enough, and before they fall to the ground, they should be equalized to bring justice to people.

 

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Credit Card Processing: Why Every Business needs it

December 3, 2014 by  
Filed under Business

With so many credit card processing options available today, it can sometimes become difficult to know which one is the best to consider. On the outside, it often seems that all processing companies are the same, but this is simply not the case. Prior to getting involved with a provider, make sure you understand the importance of selecting the right one, and know what you are looking for.

Working with the Right Company

Before setting up credit card processing, it is important to know that you are working with the right company. There are some obvious factors that come into play at this point, but others that may not be as obvious. Prior to entering into any relationship with a provider, consider the following:

  • Fee Structure – Make sure that there are no hidden fees in the agreement. Furthermore, make sure you are clear on the specifics and that everything is reasonable.
  • Security of Processing – Make sure that the processing company you use has a secure system. The last thing you want is for people’s credit card information to leak as a result of using your service. This can have long-term negative effects on your business and reputation.
  • Customer Service – Look for a company that has readily available customer service personnel. If a problem arises with your payment processing, you want to be assured that you can easily reach someone who can help you resolve the issue.
  • Experience – This may seem obvious to some, but in many cases goes without consideration. The reality is that a credit card processing company will not be able to survive if it is not trustworthy and easy to work with. Since the market is permeated with these companies, only the strong survive. As a general rule, the longer a credit card processing company has been operating, the more you can trust the service they provide.

Human hand holding plastic card in payment machine

Regardless of what industry you are in, the need for accepting credit cards is the same. Make sure that the credit card processing company you plan to work with meets these requirements and that they do not try to conceal any pertinent information.

High Risk Credit Card Processing

For high risk businesses, credit card processing can be a difficult task, typically being paired with excessive fees. It is important to remember that just because your business is considered high risk should not mean that you suffer from poor credit card processing. Instead, make sure to use the indicators above when selecting a company to work with. There are companies like USA Bancard out there that charge overly-reasonable fees; the key is to find them.

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Understand The Basic Norms And Regulation With Animal Welfare Act

May 7, 2014 by  
Filed under Business

There are different notions, which you need to focus at, when the main area of concern is related under the zone of animal welfare act. This law is mostly going to govern the zone of treatment animals, which are used for research. Some of the animals are guinea pigs, dogs, cats, hamsters, monkeys and there are various other warm blood animals, which fall under the same category. Moreover, if you start browsing through the internet, you might come across some reliable institutional programs, which are mostly meant for animal care and some of their similar uses. It has been found out that PHS is going to require the information, which can help in implementing and developing some of the institutional programs, related with the activities under the zone of involving animals.

Some positive points related

There are some positive points, which are related under the notion of programs, related with the animal welfare act. According to the descriptions, it has been noted down that a list of every branch of the major component, under the notion of the institutions, along with the list of other branches of any other institutional zone. These are going to be included under the zone of assurance. On the other hand, there are some lines, which are related with the responsibilities and authority for the zone of program administration along with the compliance ensuring related with the policy.

Other eminent points to note down

There are some other reliable eminent points, which are to be noted down, with the field of PHS program. This segment is going to describe the authority, qualifications and also responsibilities, associated under the veterinarian and they are going to participate in the programming zone along with the time percentage, associated with each contribution. This field is also going to talk about the membership list along with the establishment of IACUC, along with the requirements of the A.3 IV policy zone. Moreover, the policies, which are going to be focused here are going to fulfill the requirements in order to set forth the making of this policy.

Health program to be acted upon

This program of Welfare animal act is going to look for the health of the personnel, associated with the laboratory zone under the notion of animal facilities. You can also land up with the frequent contacts with the animals, which fall under the same category. This field is also going to deal with the square footage of the gross segment under the zone of the animal facility, which can also include satellite facilities. In case you are willing to find any one of the pertinent information, under the notion of OLAW.

Focusing towards the training zone

There are some major areas, related with the notion of training zone, under the field of USDA welfare act of the animal and you can also try and deal with the health service policy. You can also make sure that the institutional responsibilities of the policy is going to surely provide a personnel training segment, which is known for working with the laboratory animals, in order to ensure that the personnel are also qualified to do so for the future segment. In case you want to know more about this field, make sure to take help of none other than fuchsberg law firm, which is associated with this genre for quite some time now.

Other eminent points to jot down

It has also been mentioned that no such action, which involves animals, will be conducted by the PHS, until and unless the institution has provided a written application of doing so. The assurance needs to be submitted to nowhere else apart from the office of the OLAW and this application will be signed by institutional official.

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Myriad Features Attached To The Online Auto Loans

March 28, 2014 by  
Filed under Business

Internet provides the on-size-fit-all solution to different problems and needs, and auto loans cannot fall behind. Over the net, you can spot lenders who provide a competitive rate of interest, irrespective of the applicants credit score. The online lenders have various schemes of finances for both old and new cars. The online loans are similar in nature to that of the traditional loans. A host of online tools are available that helps to calculate the down payment, rate of interest and the loan term. But, it is advisable to opt for companies that provide the best tools loaded with different features that make availing the loan, easy.

Auto-Loans

Calculate total payment

You can spot few online finance companies that provide loans for purchasing vehicles, and allow users to login to their website. The best online lenders provide shopping guides to the users, calculators, and the approval time for these loans are fast in comparison to the other loans. Based on the total cost of the loan and the loan term, these calculators help to determine the monthly payment. Generally while calculating a loan amount, a number of aspects are taken into consideration, like the application fee, processing fee and other service charges. But, in case of the online loans no additional fee are charged by the lender. You need to pay for the application fee as the services that they provide are for free.

Online pre-approval of loan

Gamut of loan options is available for both the old and new cars. Few of the best loan companies permit refinancing of the auto loan in lieu of low monthly payment. This can also help you to save some money at the end of each month. With online pre-approval of loan, you can have an edge over the dealers while negotiating for the price of the car. In case, you are planning to buy a car then the online option can help you to save time and curb extra expenses.

Offers favorable rates

A pre-approval makes the process of purchasing the car fast and seamless. The pre-approval from the online lenders take less time, and you need to travel to the office of the lender for this. All you need is an electronic device, an internet connection and an account registered with the lender. Even shopping for the rate of interest, duration of the loan term and down payment are easy if done online. Owing to the online competitive market often the lenders provide favorable rates to lure applicants. Online lenders generally provide low rate of interest, as they do not have to incur any administrative or operational expenses.

Easy application process

Documentation is an important part of application, but if you are opting for online loan the application process is easy. Many intricacies are involved while applying for this loan in the brick and mortar world, but you can avoid those while applying with the online lenders. The application form can be filled easily and instructions related to these forms are mentioned in the website. In these applications, personal information regarding the applicant is mentioned. The online companies make sure that information related to the applicants is not revealed to the third party.

Customer assistance provided

Since the need of the applicants differs, they provide tailored service to their customers. In case of need, you can consult the customer service representative through email, video chats or phone calls. While applying for online loan, you can take a note of the customer representatives at the onset. These online lenders can be the starting point while searching for finance for purchasing a car. If you have a bad credit, then availing loan from loan lender will be easy as there are online lenders that provide special assistance to applicants with poor credit history.

 

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Explore Financing Choices For Purchasing A Used Car

March 28, 2014 by  
Filed under Business

Used cars are cheaper than new cars and are preferred by many. They can be a smart choice for consumers who have poor credit ratings. When you shop for a car you must select a vehicle which meets your budget and requirements. When you consider financing options for a used car you can pay the full price of the car. But for most buyers this is not a popular choice. You can avail used car financing, which is provided both by dealerships and private lenders. Before you apply for financing, you must check your credit report. Lenders will conduct a credit check to find whether you are eligible for the loan.

Contacting a lender

With a high credit score, you have a greater bargaining power. If your credit score is above 680, you can bargain on the interest rates offered on used car loans. You will have to contact credit unions and banks to find out the interest rates which they are lending on used cars loans. You can obtain a loan for 5 years if the used car is lesser than 5 years old. Before you finalize on a loan, you must compare the interest rates which are offered by different lenders. You must ask the lender for a pre-qualification letter.

Choose best used car dealers

You can obtain financing from a used car dealer. You must know your credit score, and it is important to ascertain the interest rate which you deserve for that score. You must conduct a thorough research on the competitive interest rates which are available. Benefits of opting for a used car are many. When you opt for used car loans, your credit score will play an important role. If you pay bills on time and maintain a good credit, it will be easy for you to obtain the loan. You must select an authorised dealer who offers services like maintenance and certified repairs. Dealership is the most convenient choice for used car financing.

Financing a used car

You must take an informed decision when you opt for used car financing. You must narrow down on your choice of the car and evaluate your budget. You must decide your price range. Conduct a research on APR and other financial terms. You must read the contract carefully and negotiate the pricing. You must compare the finance rates which are offered by banks, credit unions and other lenders. You can save a lot of money by comparison shopping.

Sources of used car financing

You can contact credit unions, which offer low loan rates for used cars. At times, they offer credit insurance to borrowers. Banks offer loans for used cars and check the credit rating of the borrower. If your credit score is low you can contact finance companies, which offer loans to borrowers with poor credit score. If you are a young borrower, you can contact friends and relatives to finance a used car. You may need a co-signer in some cases for approval of the loan. For a good deal, you must evaluate the different sources of used car financing. You can sell your unwanted vehicle and obtain cash for junk cars.

Before applying for used car loan

When you apply for a used car loan, the loan officer will ask several questions. He will enquire how much amount you want to borrow and for how long. He will ascertain the age of the car and the selling price. The loan officers will ask the potential borrowers about their employment and credit cards, debt and income. You must find out the APR, additional fee and restrictions on the loan from the officer. If you opt for financing from dealers, you must compare across the competitive quotes and choose the best.

 

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