Stellar Lumens (XLM) Forum with for newcomers and contributor's rewarded Check here

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The Stellar Lumens (XLM) is the sixth biggest coin on the market right now after passing Litecoin and achieving a market cap of $5.4 billion. XLM is slowly but steadily sneaking up on XRP which was considered as the ‘official’ banking cryptocurrency. (For clarity XRP is not ripple. Ripple is not a coin but actually a network of cryptocurrency which has its own coin and this coin is called XRP). Both of these coins were started by the same man, Jed McCaleb, but which coin will emerge the winner?

The XLM has managed to gather a series of powerful partnerships which has improved its ranks and made it a serious contender in the market. It is considered as a lighter, cheaper alternative to Ethereum and some think that the Stellar protocol is one of the most decentralized in the cryptocurrency ecosystem in terms of functionality.

The Stellar Network

Lumens are the native assets of the Stellar platform. For big banks or clients to use the network and transact any kind of asset, they need to use Lumens. This is the real functional value of Lumens. As long as transactions are occurring, there will be a need for lumens. Unlike Ripple's XRP which can't be used for anything rather than as a speculative instrument. The reason is that Ripple's main clients are big banks whom only pay Ripple large fees to use the network. They don't require any XRP to transact in ripple's network.

Both XRP and XLM are aimed at the trillion dollar payments industry and designed to facilitate cross-border payments that bridge crypto and fiat currencies. Both offer fast, affordable and reliable transactions.

Some of the known biggest partnerships that Stellar has made include:
  1. The International Business Machines Corporation (IBM)
    IBM is an American multinational technology company based in New York, United States and is now a world leader in Cloud computing.

  2. Stripe
    This was actually the first company to invest in Stellar. Stripe essentially gets 2 billion Lumen, but has agreed in advance that any profits from their sale will go right to the Stellar.
    Stripe dropped Bitcoin in April due to processing charges and delays leaving an open door for a replacement and Lumen hopes to live up to its potential.

  3. SHIFT Markets and Lightyear
    SHIFT partners with 60 cryptocurrency exchanges round the world and Lumen gets exposure to a global audience.

  4. Deloitte
    Deloitte is one of the world’s biggest professional service providers to sign with Stellar Lumens to provide affordable and rapid payment systems through the Deloitte Digital Bank.

  5. Wanxiang Group
    This Chinese giant has interests in the automotive sector, real estate and financial services.

Read More Read More, Posted by: crytocure
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Most companies or projects that hold an ICO or token generation event (TGE) are under enormous pressure to get their tokens listed on major exchanges as quickly as possible. Most ICOs get listed in less than 3 months. But there are a number of very important reasons why getting listed as soon as possible doesn’t help either the company or the contributors to the project.

That’s why we chose to take a different route. One that is in the best interest of our token holders.
Instead of forking over upwards of $6 million in listing fees (as Binance now commands) just to get CEL on a single major exchange, we decided to avoid that game entirely. Instead, we developed a strategy that allows us to profit as we get listed on multiple exchanges, all without needing to throw away the hard-earned money that contributors entrusted us with in our crowdsale. So let’s take a look at how the exchange game works, and how we decided to do things our own way.

The old game: everyone gets screwed but the exchange

Here’s how the process often plays out.

A project launches an ICO and brings in a decent amount of money. Ideally, that money should be used to build the product or service and add value to the project by allowing the company to hire more developers, fund more marketing, etc.

But instead, what happens so often is the ICO gets immediately put under an incredible amount of pressure from early contributors who got the deepest discounts (or biggest bonuses) to list on a major exchange as soon as possible. These contributors, who only play the short game, don’t care about the project or the crypto community. They’re here to arbitrage their connections and their ability to negotiate discounts as high as 90%, in order to monetize their gains and move on to the next desperate ICO who needs their ETH to help separate themselves from the rest of the ICO noise.

This is because nearly every ICO cannot resist the easy money of flippers and big whales, these are individuals or groups that buy into the ICO with the intent of selling it immediately as soon as it lists in an attempt to snag a quick profit. According to a recent study, the best time to buy and sell ICO assets is during the early stages of a presale, and then within 1-hour of a major exchange listing.

In order to satisfy the early flippers, ICOs need to pay an enormous listing fee to a major exchange. We’ve heard of Binance increasing their listing fee from $2m to a whopping $6 million, due to demand. And even if the project can come up with that astonishing amount, there’s still no guarantee that the exchange will list you. In our case, that means we would have to spend over 10% of our total raise, or over 10 cents of every contributor’s dollar just to list on Binance. It’s hard to justify how this listing could provide that much benefit to the token holders.

Here’s a list from just one of the many companies touting their ability to get companies like ours listed. You’ll see the crazy prices they’re offering.
And that’s just the beginning. Things are about to get a lot worse.

Fake it until you (might) make it

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Next, many major exchanges require that you retain the services of specific bots what’s known as market makers.
In simple terms, a market maker is an entity that will make sure that their computer lists at least 10 buy orders and 10 sell orders on the exchange at any time. Some exchanges require 20 orders on each side, or even more. The job of the market maker is to make it appear as though there is significant activity and liquidity on the market on both sides, and to generate the appearance of high volume.

This volume and low spreads gives speculators the artificial comfort that they can get in and out of positions at any time even if there is no real buyers or sellers on the other side. It is estimated that close to 90% of all trades on exchanges are with such bots and not humans. The market maker does not take any financial risk or benefit the token holders, as they merely create liquidity, but do not change the direction of price or net volumes over time.

Market makers are not free, and it’s typically up to the ICO to pay for the services of the market maker. Naturally, those services are not cheap, and not surprisingly, the exchanges will happily put you in touch with, or force you to work with, a specific company which in many cases also represents the exchanges’ best interests.

Not only that, but exchanges often have a third fee. That is, the exchanges will demand a deposit of up to millions of coins or tokens from the ICO in what they call a “liquidity deposit” or charge.

Now, the exchange has the ICO’s coins, a market maker, and an army of speculators. They lay in wait for just the right time to front-run their own clients (the ICOs and users of their platform) and then short the market for said coin using the coins given to them on deposit by the ICO to try and earn obscene profits by watching the project pump and dump all the way down the price charts.

As these exchanges can see the trading volume and movement before you, they always win. If you have perfect timing and people in the know, you can make some money in this game, but most will eventually suffer terrible losses.

Quote:I’ve been involved in the financial markets for more than 30 years. I have never seen it this bad, since most stock exchanges are regulated and can not play the games independent crypto exchanges play. Simply put, I fully understands the game that the major crypto exchanges toy with HODLers to their own benefit – and to the detriment of investors.

Binance announced that they plan to earn a profit of $1 billion this year. That money doesn’t just appear out of thin air. Instead, it was collected from ICOs in the form of these sky high fees, trading in front of their client orders and shorting their own listed coins. That billion dollars Binance pocketed for itself (and that includes the distributions they make to their own BNB coin holders) doesn’t benefit the crypto community in the long term.

Paving a new path

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So why did we create the Celsius Network and how can we do this better? The good news is that we think we’ve found a better way than simply playing along with the rules the major exchanges force us to use. Since we first came up with the idea for Celsius, we’ve tried to always represent the best interest of the coin holders and to always do what’s in the best interest of our members.

What we’ve decided to do is approach several medium-sized exchanges with wide community support, and develop partnerships with them that we know will benefit all parties involved, including our token holders.

We’re going to offer exchanges the ability to use our services to benefit existing and new customers. We offer crypto holders interest income and dollar loans through the exchanges they already have accounts with, as well as enabling their professional members to borrow coins to short the market – all by integrating exchanges into our system.

The smaller exchanges need unique products to compete with the big boys who have 10x more liquidity and users, to date they could not offer any special products that could attract customers to switch from the top 10-exchanges. Providing the medium-sized exchanges with these new services to their clients is a win-win-win for our members, the exchange users and Celsius.

In return, our exchange partners are happy to list CEL for free and promote Celsius and its services, and they will earn increased profits from taking advantage of what we have to offer through them.

No more games, just genuine value for the community

So what does this mean for the rest of us?

Simply put, Celsius has decided to not waste the money our supporters invested in us on trivial and frivolous expenses like enormous listing fees or paying for market makers to generate fake volume and fees for exchanges.
Instead, we did what we do best – providing real benefits to the community via a unique set of products and financial tools, flexibility and innovation to partner with good exchanges so that we can grow the community as a whole, instead of simply fattening up the largest exchanges.

You may also be wondering why we haven’t completed these partnerships sooner. The answer to that is also fairly straightforward. We believe that Celsius is a real long-term business and that there would be no reason to try and pursue a listing of any kind until we have real products out in the open used by thousands of people, and a real value chain that can benefit from the listing. There would be no point in trying to build up artificial volume or hype when our core business is not yet out of the gate.

We are one of very few projects that can create our own demand for our token, but unlike BNB, which is a house of cards built on fake profits and increasing fake volumes and fees. Our model is based on helping real people and bringing millions of users into the crypto community. As more and more people realize we do represent their best interests and will never act or partner with anyone who does not act in the same way, we will be trusted with more and more coins generating more and more interest income and dollar loans to our members.

All of this activity results in organic and increasing demand for our tokens, as they are the only medium of exchange between the borrowers and the lenders.

But with our first core product, dollar lending on their crypto, already in private beta, we feel much more confident in discussing our listing plans with our community.


Read More Read More, Posted by: crytocure
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When you're in the market for a new home, you probably have a lot of things on your mind: square footage, school districts, mortgages rates.
One thing you're probably not spending much time thinking about: Bitcoin.
But perhaps cryptocurrency and blockchain technology will soon be a major consideration for property purchasers and sellers.
At least that's what some Boulder County real estate professionals are gearing up for.

"Blockchain and cryptocurrency really has the ability to change every aspect of real estate, from titles, to lending, to the brokerage itself," said Jim Merrion, a Boulder real estate agent with Coldwell Banker.

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Anthony Meisner, sales manager with Land Title Guarantee Company, addressing the DISCON Distributed Consensus conference at the Boulder Theater Aug. 3. (Paul Aiken / Staff Photographer)

Merrion, along with Anthony Meisner with Boulder's Land Title Guarantee Company, are preaching the gospel of the blockchain and encouraging real estate industry professionals and clients to embrace the technology.
"This (technology) is finally mainstream enough in the real estate community that people are really talking about it and considering the implications and benefits," Meisner said.

Block-what? Crypto-who?

Simply put, cryptocurrency — the most famous and valuable example is bitcoin — is a form of verifiable and transferrable digital money that exists independent of centralized banks.
The blockchain is technology that uses large computer networks to create a decentralized ledger or database that tracks activities such as the transfer of bitcoin.

Merrion said he first dipped his toe into the crytocurrency pool in about 2012 when he bought a couple of bitcoins.
"I bought it as a lark and sold it way too early," he said. "I just thought it was an interesting idea."

The cryptocurrency market has been on a wild ride since Merrion bought those first tokens, with the value of coins in a seemingly endless cycle of skyrockets and crashes punctuated by temporary periods of stabilization.
Despite the peaks and valleys, some see this technology as the future not only of currency, but also of a host of business applications.

"A lot of smart business people are using this technology to tackle really important things like real estate," said Alan Curtis, a former Innosphere employee who last year founded Radar Relay in Fort Collins. Radar Relay is a wallet-to-wallet cryptocurrency exchange technology firm.

The use of cryptocurrency also opens up local markets — such as real estate in Boulder County — to a global pool of customers and investors.
"At the end of the day, there are people all over the world that you want to do business with, people all over the world that you want to interact with," Charles Hoskinson said at a cryptocurrency conference in Boulder earlier this month.

Hoskinson leads the blockchain platform Cardano, which hosts the Ada cryptocurrency, and has been involved with the founding of a host of other well-known cryptocurrency technologies, including Ethereum.

"We've gone from siloed, isolated economies that were paper-based and basically designed in the 19th century or before to economies that are highly globalized," he told DISCON conference attendees.
Alan said, "The idea of global access is critical."

Blockchain technology could help make the process of buying or selling a home more efficient by streamlining the titling process and eliminating the need to shuttle documents to and from the county clerk's office, experts say.

The transparency afforded by the blockchain can also help reduce the potential for fraud "and really move the needle to help people realize we can have a more secure environment," Merrion said.

A Front Range first

Merrion listed a two-bedroom townhouse in Arvada earlier this summer. With mentions of easy access to highways, recently replaced windows and quartz countertops, the listing is much like any other.

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Jim Merrion a Boulder real estate agent with Coldwell Banker speaking to the DISCON Distributed Consensus conference at the Boulder Theater in Boulder Colorado on Friday August 3, 2018 (Paul Aiken / Staff Photographer)

But there's a phrase that sets the listing apart: "Traditional financing, Bitcoin & other Cryptocurrency accepted!"
"As far as any of us can tell and from all the research we've done, this is the first" property along the Front Range to be marketed on a major multiple listing service as accepting cryptocurrency, Meisner said.

Merrion quickly found a buyer for the Arvada home who opted for the traditional financing model, but he plans to continue marketing homes to cryptocurrency holders.
"It is part and parcel of my discussion with clients," he said. "The industry is headed this way and I certainly don't want to be left behind."

Once Merrion brings together a buyer and seller, Meisner and Land Title can step in to help facilitate the transaction.
"We serve as neutral third-party," Meisner said. "So if there are questions that arise, we can refer people to attorneys, refer people to cryptocurrency experts."

Even if Merrion were to find a buyer interested in using cryptocurrency to buy a home, bank regulations require those coins to be liquidated before a purchase. However, if a seller owns the home outright without a mortgage or lien, a peer-to-peer purchase can be made without turning the coins into cash first.

"Some parties don't want to have to liquidate their coins" and would prefer a peer-to-peer transaction to minimize frictional costs such as fees and slippage, Meisner said.
The first peer-to-peer bitcoin real estate transaction occurred late last year in Miami, according to multiple media reports from December.

Meisner and Merrion say it is only a matter of time until that kind of deal is made in Colorado.
"I would say it's possible" there will be a peer-to-peer transaction in Colorado this year and "it's probably very likely next year," Meisner said.

He added: "We would really like to be the first."

by Lucas High

Read More Read More, Posted by: crytocure
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Why crypto investors might want to think twice about giving out their phone numbers
  • Hackers are using a method known as “SIM swapping” to steal phone numbers and in some cases, use them to take millions of dollars worth of cryptocurrency.
  • This week, a California man sued his wireless carrier AT&T for $224 million after criminals used the method to steal $24 million from an cryptocurrency exchange.
  • “Once hackers get access to your private keys, they own your money and you’re screwed,” says Kyle Samani, managing partner at Multicoin Capital.

It's a familiar scenario.

You forget a password to a website or log in from a new computer, and get locked out of your account. The website or your bank sends a text to confirm it's you. Most of the time it is.

But the person receiving that text could be a hacker. Criminals are using a method known as "SIM swapping" to take over phone number accounts by duping wireless carriers, and in some cases stealing millions of dollars worth of cryptocurrency.

"In online banking, if someone gets into your account there's ways to get the money back," said Kyle Samani, managing partner at crypto hedge fund Multicoin Capital. "In crypto, if hackers get access to your your private keys, they own your money and you're screwed."

This week, a California man sued AT&T for $224 million after hackers used his number to steal $24 million worth of cryptocurrency stored on an online exchange. The plaintiff Michael Terpin accused AT&T of negligence, and likened it to "a hotel giving a thief with a fake ID a room key and a key to the room safe to steal jewelry in the safe from the rightful owner."

Terpin is hardly the only one to suffer a hack. The total in cryptocurrency lost by individuals hit $1.6 billion at the end of June, according to CoinDesk's 2018 State of Blockchain Report.

In order to stop the trend, cybersecurity and industry experts say investors should guard their cellphone numbers with the same paranoia with which they guard their social security numbers.

Swapping digits

Wireless store employees can assign your phone number to any device, with the right authorization. To confirm, they ask for pieces of private information like a birthday or a social security number. But those can be easily accessed for a price.

"Data is being bought, sold and traded on the dark web," said Aaron Higbee, chief technology officer and co-founder of anti-phishing company Cofense. "If your phone number is of a sufficient age, you're on a database somewhere."

While one piece of data like a birthday might not be valuable on its own, combined with your phone number or add
ress it can be used to answer those security questions from a wireless store employee.

After a criminal hacks into the person's email or cryptocurrency account from their own devices, what's known as "two-factor identification" will send a text code to the phone number as a form of security, and to prevent any sort of unauthorized log in. But because the hacker now controls that phone number, there's no way of the rightful owner regaining control or stopping the hack.
This happened to a New York-based venture capitalist who invests in early stage tech companies. He asked not to be named for this story because he did not want to be targeted again, and feared he might egg on the hackers.

He was in his office on Monday when he was suddenly logged out of both his personal and business email accounts. When he turned on his AT&T phone, the device had no signal. Because of his experience in cryptocurrency and the tech world, he recognized it as a SIM swap attack. He immediately called his wireless carrier through Skype, and quickly went to the store to regain access to his cell phone but "not quickly enough."

"This was the perfect storm," he said. "If I was on vacation or didn't know what to do immediately, they would have taken everything in my bank account."

He was able to regain control of his email but not his Coinbase account. Hackers had already moved the cryptocurrency he held to another account, and had attempted to wire money from his CitiBank account, which was refunded by the bank, he said.
The total amount stolen was roughly $5,000 — which he says is no where near the total of his crypto holdings because the rest was stored offline.

Keeping funds offline

Savvy, and in some cases paranoid, crypto investors opt to keep their funds in what's known as "cold storage." The method allows you to store digital currency offline, away from any internet access and therefore makes it harder to hack.

Cryptocurrency exchange Abra does not store any of its customers funds online for this very reason, according to CEO Bill Barhydt. He called storing private keys online "the worst idea in the history of bad ideas." Those who want to keep money on an exchange might be trading it frequently, or could be first-time investors who bought in when bitcoin became a household-name in December.

 The cryptocurrency climbed to nearly $20,000, inviting a wave of first-time retail investors.

Private keys are the only way to access cryptocurrency wallets online. In many cases, people use their phone numbers as the only backup if they forget that code.

"Your phone number right now is a lot more important than your social security number," Barhydt said. "The average consumer doesn't pay attention to security until they've been hacked."

Wireless carriers

It's still unclear who is legally responsible when a phone number is used to hack into a cryptocurrency account. Exchanges say the customer, and angry customers have blamed exchanges or in the case of Michael Terpin, his wireless carrier.

"The question is, do people believe that telecos have responsibility for protecting your bank account? Maybe that's a little much to ask," said Stephen Palley, partner at Anderson Kill and co-chair of the firm's blockchain and virtual currency group. "A telecommunication company doesn't have control over what you use your phone for."

Still, Terpin is seeking damages from AT&T, which told CNBC in an emailed statement, "We dispute these allegations and look forward to presenting our case in court."

It's not just cryptocurrency at risk. Palley said anything for which a cell phone is used as a second way to identify yourself could be at risk if a hacker takes over your phone number.

"People assume that your cell phone is a comfortable and secure way of protecting data," he said. "It turns out that it's not."

Quote:If you're worried about a hack:
  • Consider alternative authentication applications. Cofense's Aaron Higbee recommended apps like Google Authenticator, Microsoft Authenticator, Authy, Duo, or Authenticator plus.
  • Don't store your cryptocurrency on an exchange for extended periods of time, according to Multicoin Capital's Kyle Samani.
  • Call your service provider and request additional protections on your account.
  • Consider the risks: "I don't think it's appropriate to walk around with your life savings on a crypto wallet in your pocket," Higbee says.
  • Don't go bragging about your crypto gains and Lamborghini, or #lambo, on Twitter. "What you're doing is saying I have all of this money, so hack me personally," says Higbee.
  • Don't post a screenshot that includes your wireless carrier (it will usually show up in the top left corner of your phone). Higbee says this applies more to celebrities, who might not want curious wireless employees snooping into their accounts.
  • Don't post your cellphone number online.

by Kate Rooney

Read More Read More, Posted by: crytocure
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For Cryptocurrencies, There are Lessons for Them to Take from Wall Street

Cryptocurrency has never ceased to diminish from its current level of popularity. In fact, it's one of the few markets that has continually grown as the years have gone on. According to, there are more cryptocurrencies than ever before, with the global tally standing at, or beyond 2,000 unique cryptocurrency tokens.

For a long time, cryptocurrencies and the blockchain that stands behind them, have been regarded, by a wide audience, as being a disruptor of the old established way of doing things. This is something well earned by Cryptos, as they provide a truly profound new perspective on areas such as the finance industry, attracting a new wave of investors and non-conformists. 

But while it does stand as a unique, disruptive example of a new age, the cryptocurrency world should avoid the temptation of expressing disdain towards the markets it intends to irrevocably disrupt. In fact, there are many lessons that cryptocurrencies can learn from them, specifically, from Wall Street.

One of the first lessons that cryptos can pick up on quite quickly is that where you approach old markets with a new take, it allows you to uncover features of the system that have either stopped working or finding faults that hold the sector back from its full potential. This is something that the finance industry haven't had the luxury of doing; whenever there's been a receding market, a crash or depression, the finance industry has had to learn the hard way, with no map to chart their future trajectory. 

It's because of this that cryptocurrencies should never be dismissive of the financial world, there are a number of practices which it's adopted over the years that will do nothing but benefit cryptocurrencies in a major way. In this regard, it's disruption with a modest sum of wisdom that's required when going up against the old institutions.

Here are just some of the ways in which cryptocurrencies can learn from the financial sector, taking into consideration that hard-learned lessons and age-old wisdom of areas such as Wall Street, in order to create a truly revolutionized financial world.

To Bring in More Money – Unite

This lesson is one that can be directed towards the current status of cryptocurrency coin exchanges, which function more as a patchwork of marketplaces interspersed throughout the internet, with no clear unifying features, proving a problem for any user looking for transaction security and any regulatory body in trying to hold them accountable.
The solution? Unify. By doing so, the benefits become all the more distinct: reduced fees for users, reduced market volatility, including faster transactions between users regardless of the scale. These are the sorts of net positives that draw more consumers to the marketplace as opposed to pushing them away. 

One of the additional features of this is that with a better, unified landscape, it increases the probability that more affluent investors will be drawn into the space, seeking to capitalize on a crypto investment, further empowered by seeing a more secure, united market.

By doing this, it would drastically reduce the time that it would take to bring the use of cryptocurrencies to the mainstream, showcasing the security and potential to the end user, encouraging them to take part in the cryptocurrency ecosystem in a more substantial way. 

Another net positive? A unified market means the prospects for companies and new businesses looking to gain investment increases exponentially too. This also includes new Investments, venture funds, and small-scale developers, all of them seeing the increased chances of obtaining funding or finding new and unique startups to invest in.

What we find, in our current landscape, is that it's the general aversion to unifying, and lack of trust that is holding back the cryptocurrency world, preventing it from realizing its potential as a result.

More Money at Stake will Incentivize Improved Security

One thing that the financial system learned is that with regulation and centralization, the rate of corruption and laundering can be dramatically swiped down to a minimum. If there's one lesson that the Cryptocurrency market would do well to learn, it's that corruption can happen to any industry, regardless of how it's idealistically inclined. 

No matter how innovative and built on well-intentions cryptos like Bitcoin were made, there will always be a certain number of users that will seek to take advantage of it for more surreptitious uses. Whether it's for extortion, as we've seen from WannaCry in recent memory, or for transactions on the dark web such as trafficking or bribery, the financial industry has had to battle through these malpractices in order to learn its lessons.

While the financial industry continues to battle against these malfeasances, it has the strategic advantage now, and that is that it offers a highly centralized system.

The future of cryptocurrencies can be divided up, to a certain extent, into two distinct scenarios. The first being that if cryptos remain decentralized, the same volume of poor practices will go on without any legal recourse or protection, roughly translating to a ceaseless, wild west of crypto. This means that any unification of exchanges cannot be achieved due to an unnecessary growth in poor practices, extortionate fees and a general lack of trust.

While decentralization and cryptocurrencies are dressed up by idealists as being the best counter to cybercrime, they each have their own unique issues that leave them open to malicious intentions. From investors on illegal exchanges to major influencers, they are all vulnerable to hackers for one reason or another. In some instances, the openness of YouTube and Twitch crypto-broadcasters has resulted in the net loss of millions due to co-ordinated efforts to make off with their money.

If there is any hope for cryptocurrency when it comes to earning mainstream appeal while attracting the attention of financial, retail and banking institutions, it needs to take the initiative in providing an improved level of security and scrutiny of those elements in the crypto ecosystem that may pose a threat to other users in some shape or form.

The ability to hold individuals, exchanges or groups accountable will be the make or break subject for the cryptocurrency world, and should it manage to usher in this era of improved security, it will be a better, more open and more widespread world than the one we see now.

The Question of API – Use a FIX-Based one

Some of the issues that hounded the trading community have been those surrounding the friction in completing transactions, while also allowing customers to communicate effectively with the parties involved. How were these issues solved? It was through the development and introduction of FIX API back in 1992 by the duo of Bob Lamoureux and Chris Morstatt. 

Since its introduction, It's allowed for a far more seamless method of communication and transactions between the various parties. Before this system, there only ever existed manual communication, which slowed down market movements significantly.

Currently for cryptocurrencies, there's no such system in place to streamline peer to peer transactions and communications between buyers and sellers. This is especially odd when considering that having a more connected system would be a great advantage for cryptocurrency of all places, it's one that it hasn't explored but one that it certainly should.

Playing Ignorant Isn't Going to Help Growth

One of the other pressing matters that the cryptocurrency world is presently facing is this: It's becoming overly saturated, which isn't so much of a bad thing for cryptocurrencies, but it carries with it some serious concerns. With no organization, strong regulation/oversight and no truly unified or cohesive structure: that's a recipe for disaster in the long run.

At the moment, the only real unifying element for cryptocurrencies is the simple fact that people buy into them as a means of obtaining a profit, anything beyond that connection is a pleasant coincidence. If this continues, cryptos will wallow where they are right now when they could be something far more.

Exciting? Yes, Innovative? Yes, there's no arguing that it is a truly thrilling and fast-moving field to be in, but it's stuck in a position where it's simply not streamlined, user friendly, which means that any chance of drawing in a major population is unnecessarily reduced. 

In ignoring the hard-learned lessons from generations of investors from Wall Street, the cryptocurrency world is doing nothing but stunting its own growth and potential for no sensible reason.

Plain and simple, market volatility isn't appealing to anyone, simplicity, on the other hand, is nothing but appealing. Taking the latter course means adoption rates increase, the number and ease of transactions improves, inevitably taking the cryptocurrency market in its entirety, to a far more exciting place.

While it remains one of the most disruptive areas of innovation for as far as anyone can remember, being chauvinistic towards those institutions it hopes to change does no-one any good. The subjects of security, regulation, accountability and unity are ones that cryptocurrency can do well to learn about under the tutelage of Wall Street.

Much like in the world of banking, people want an easier, safer, faster way to store, move and, ultimately, protect their assets. And much like any good bank, the cryptocurrency market must mould itself towards the greater ease of the end user, not the other way around. The cryptocurrency world, in taking on old lessons, can find itself running at far greater paces than it thought possible before.


Read More Read More, Posted by: crytocure
Cryptocurrencies have become highly popular and a major part of an investor’s life, especially youngsters. But still, there are very limited options that can be presented as worthy to invest for people. 

So, with seeing so much trouble for investors, we have come across something that is going be path-breaking and is going to give everyone an opportunity of the lifetime!

Introducing to you NetCurrencyIndex.

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Netcurrencyindex is the Worlds First Visionary Cryptocurrency Index from all kind of Marketstages with the Crypto Index Family, NCI30, NCI100, and NCI500. It has become the Benchmark for the Crypto Industry and the entire Blockchain sector. 

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Read More Read More, Posted by: Milner
I think most people must be well aware that Stocks are not the easiest of things to work on but Facebook Stock is something that could be called highly dependable. So, do you think it is EASY to trade on this? I believe it is a lot easier as compared to other options but not exactly simple. 

You need to have a lot of skills to manage it successfully, I do it well through Facebook stock forecast following but even otherwise, I keep my insurance in terms of risk and money management, which enables me with the highest possible thing as far the performance goes.

Read More Read More, Posted by: Milner
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Cryptocurrencies or they have become commonly known “digital money” are based on the blockchain technology. This technology in simple terms creates a digital ledger of all assets, whether money, tangible properties, vehicles or stocks. The Bitcoin is the most widely used cryptocurrency but is one of many as listed below and trade is made on various digital platforms. As these platforms increase daily and are becoming more accessible, it is important to know some of the benefits of this currency.

Top 8 Benefits To Using Crypto Every User Should Know

Some of the major benefits of using cryptocurrencies are:

Integrity Of Transactions

Cryptocurrencies cannot be transferred to third parties without the user. Therefore with cryptocurrency transactions, there is no risk of fraud or cheating. The user has complete control of the transaction and currency which is hosted on a centralized technology.

With cryptocurrencies, there is no possibility of any third party manipulating the payment or the sender reversing the payment and therefore requires less trust than in traditional banking.

24/7 Tracking Of Payments

Traditional banking systems require senders or receivers to track their payments via bank systems over periods of three days or more. This creates uncertainty for the sender and receiver of funds. With cryptocurrency transactions can be tracked on a second to the second basis and the exact time of delivery of payment can be gathered with more certainty. This creates security for the sender and receiver.

Blockchain delivers more safety and security for money and assets in the digital form with its defined financial rules and a clear process for verifying transactions. That's exactly why many banks are adopting the technology.

Security Of Currency And Transactions

Our world is filled with instances of credit card fraud and theft, especially in the online shopping sphere. Instead of being afraid to purchase online in case your credit card details are misused, cryptocurrencies are currently the safest and easiest means of shopping online without risk or loss.

You Own It

Instead of securing and saving your funds in banks, investments and brokerage houses, where you are subject to their terms and conditions and pay enormous fees for them to store your money simply, cryptocurrency allows you to keep what is yours at no additional fee.

Confidentiality And Privacy

Whereas banks require full knowledge of all your personal details and that of the beneficiary of your payment, cryptocurrency does not require more information than you are willing to provide. Your payment is between you and your beneficiary. For people who require privacy and anonymity, this is one of the greatest benefits of cryptocurrency. Different coins have different levels of anonymity, and you will need to research these before purchasing them.

Available To Everyone

Since all cryptocurrencies are easily accessed on a decentralized network, anyone can earn cryptocurrencies.
Surveys show that more than 2 billion people around the world have access to mobile phones and internet services, this opens the cryptocurrency market to all these people. The variety of Blockchain applications currently developed and being developed are designed to alleviate the problems of access to banks, high bank charges, high-interest private loans and various factors affected the large majority of people. Cryptocurrency is designed to be available, accessible and valuable to everyone in the marketplace.

Quicker Transactions

When purchasing property or vehicles, the costs of lawyers, time with bank approvals and drawing up contracts is tedious. Cryptocurrency allows you to make immediate payments and settlements on property and asset transactions.

These transactions do not require middle-men, and since the whole blockchain is decentralized, it is based on a peer-to-peer system that also avoids the currency exchange difficulties in cross-border transactions. The smart contract process also ensures the transactions are recorded and legitimate, without incurring legal and broker costs.
Particularly with cross-border transactions, cryptocurrency overcomes barriers of duties, exchange rates and levies that often burden companies.

Cryptocurrency transactions can also be used to tokenize any asset or property, regardless of their monetary value. These are done user-to-user, and there is no need for brokers or middlemen to intervene. It is an efficient means of transferring assets without incurring huge costs.

Affordable Transaction Costs

For general transacting on cryptocurrency, a minimal fee is charged to confirm transactions on the digital platform. Unlike with banks were you pay for every part of the process of transacting.

More importantly, cross-border transactions and transfers incur very high costs because banks and formal institutions use various providers for the movement of funds and exchange of currency. Globally over $540 billion is remitted annually. There are minimal charges for cross-border cryptocurrency transactions, but on the overall, they are significantly lower than banks.

Further, the peer-to-peer system of transacting reduces the transactional cost of third parties in the transaction.

Top 8 Benefits To Using Cryptocurrency Conclusion

In a nutshell, you will see cryptocurrency is not just of benefit to the wealthy and privileged, it is something that can enhance and simplify the lives of even ordinary people doing ordinary things. It is the way of the future.


Read More Read More, Posted by: crytocure
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Blockchain represents one of the most controversial technologies developed in the recent years. The main reason for the controversy is the fact that this tech has changed the way in which the internet can be used.

Moreover, it gave birth to cryptocurrencies which promise to completely revolutionize the financial world by replacing fiat currency in the future. As such, it should come as no surprise that blockchain is still a volatile investment strategy, especially since it is still in the early stages of its development.

Why is the crypto investing interest growing so fast?

First of all, let’s be clear about one thing. Cryptocurrencies and blockchain technology are not the same thing. Blockchain is a tech that allows data to be distributed on the internet, without being copied or tempered with. 

Cryptocurrency is just one of the applications of the blockchain technology, but it is the most popular application, and currently the most popular.

The main reason for the growing interest in crypto investing is the high return of investment. Since digital currencies threaten to replace fiat currencies, their value is constantly growing.

Moreover, due to the fact that these currencies are decentralized, they are a safer investment bet than repository assets. Crypto coins can’t be affected by inflation, by world events, or they are almost impossible to hack. The transparency of crypto coins is also a great incentive.

Blockchain applications in different industries

As we already mentioned, blockchain has numerous other applications in various industries, from tech, to healthcare, finances, education and much more. The tech itself is still developing, and most of the companies that use it don’t make high profits from it. However, if you have long term investment plans, it pays to bet your money on companies that already use the tech, and which have plans for making a profit with it in the future. The most common and most likely to profit applications of this tech are the following:
  • Financial applications – In the financial sector, blockchain is already used in numerous ways. Nasdaq is experimenting with it to test a new system for trading securities of private companies. JPMorgan Chase is using it for an interbank payment platform. Barclays is using it to develop a back0occice bank operating system.

  • Tech applications – In the tech world, blockchain has endless applications, but it is still in its developing stages. Spotify is using it for a digital rights management system to manage music copyright-attribution protocols. This tech could also be used to make IoT devices safer, by reducing the risk of the devices being compromised by servers or other single points of failure.

  • User based platforms – The uprising user sharing industry can easily be decentralized, by using blockchain to eliminate the middleman. This can be used for platforms like Uber, Airbnb and many others like them.  

  • Low enforcement – Electronic voting has been debated for many years. However, up until now, there hasn’t been a safe way to develop such a system, without exposing the voting process to hacks, but this can and will be achieved with blockchain tech.

  • Supply chain – Blockchain is successfully used in the supply network that supports data about products and all the parties involved in the trading process. It is a great way to provide transparency regarding the origin of the products, their ingredients and other valuable product information.

  • Healthcare – In the healthcare industry, the most common challenges are data privacy and accessibility, which contributes to the lack of trust between doctors and patients. By implementing blockchain tech, patient records can be easily secured, all parties can have easy access to information, and payments can easily be processed in a private manner.

  • Education – E-learning is promising to revolutionize the traditional educational system, empowering students with information that they can access in their own time, at any time, and from anywhere in the world. Blockchain can easily be used to support new education solutions that are currently facing technical difficulties.

  • AI – The lure of artificial intelligence eliminates human error and to improve work productivity. Blockchain can be used in this industry to reduce costs, to increase the speed of transactions, to improve the security of AI based technologies, to reduce fraud and to reduce the risk of single points of failure or hacks.

Energy – blockchain can be used to provide a decentralized energy transfer and distribution system with the use of micro-transactions, validated and secured with cryptography.
  • Legal – Contracts can easily be stored on blockchains, with different parties having easy access to them. The contracts can also be transferred or modified without direct legal intervention.

Crypto hedge funds for beginner investors

Despite the fact that crypto hedge funds have seen plunging returns in the first semester of this year, the interest of the investors in these funds continues to be growing. The lure of massive overnight returns is simply too tempting to pass, and with a proper risk-management system, investors can safely bet their money on blockchain.

Aside from the promise of exorbitant returns, a blockchain hedge fund is a safe investment option, as it allows investors to build a diverse portfolio without actually holding the digital currency. Last but not least, hedge funds can use different investment strategies. While some only focus on Bitcoin, others choose to focus on Initial Coin Offerings, while others hold a diverse portfolio of cryptocurrencies.

The funds with the safest strategies are those that invest in companies that use blockchain tech, but this strategy is best suited for investors who are willing to wait for long term returns.

The beauty of hedge funds is that they are ideal for beginner investors, or for investors that don’t yet fully understand the blockchain tech. By working with a hedge fund, you will benefit from advice from experts that fully understand this tech and its applications, and who have access to sophisticated research and risk management tools. This way, investors are guided towards the safest and most efficient ways of achieving their investment goals.

by Livine Sanchez

Read More Read More, Posted by: crytocure
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eToro Analyst Blames Strengthening Dollar For Causing Decline in Crypto Markets
Bitcoin (BTC)–While most of the cryptomarkets and its investor base scramble to find the cause over the recent bottoming-out in the market, which has made only a modest recovery in the past few days, one analyst has an interesting take on the falling price of Bitcoin and altcoins: a strengthening U.S. Dollar.

Since the start of August, the cryptocurrency market has been experiencing a roller coaster ride in terms of volatility. While the end of July seemingly signaled a recovery in the market, and possibly a bullish return for investors, subsequent price action has shed a different light. Following widespread faith in the passage of a Bitcoin Exchange Traded-Fund by the U.S. Securities and Exchange Commission (SEC), the market made a decent recovery, with Bitcoin rising above $8000 and holding its position. However, a series of events led to a decrease in investor confidence, beginning with the SEC’s denial of the Winklevoss Twins’ proposed ETF.

New York-based firm VanEck has been the leading candidate for approval in the creation of the world’s first Bitcoin ETF, but also saw a setback in the form of the SEC delaying decision from early August to the end of September. Following news of a delay and another potential denial of a regulated ETF, the bears pushed the price of Bitcoin down to $6000, with altcoins getting obliterated in the fallout and posting double-digit losses on an already hurting industry. At this point, the norm among the altcoin market is 95 percent or more losses since the all-time high experienced at the beginning of January, creating a market that has been very bearish throughout 2018–and possibly little end in sight.

In addition to weakened investor confidence via the SEC delaying its decision on a Bitcoin ETF, analysts also speculated that a mass ICO cashing out was hurting the market of cryptocurrency. Ethereum in particular took hard losses early in the week, falling to below price levels experienced at this point last year. The thought process was that ICOs, which are almost universally built on top of Ethereum’s ERC-20 token, were cashing out in volume to cover costs associated with the falling crypto market. Arthur Hayes, CEO and co-founder of BitMEx, made the claim that ICO investors would continue the sell-off, thereby driving the price of ETH to below $100. However,  eToro’s senior market analyst Mati Greenspan disagrees. Instead of ICO sell-off depressing the price of cryptocurrency, Greenspan blames a strengthening U.S. dollar as being indicative of the market turn,

“As the United States moves to tighten its economy and avoid strong inflation, they’re taking action that is strengthening the Dollar. Because the US Dollar is the global reserve currency, many smaller economies rely heavily on a stable exchange rate with the greenback. So too, as the Dollar is being seen as a stable store of value at the moment, there really isn’t much incentive for people to store their money in digital assets.”

In a statement to CCN, Greenspan continues,

“Over the course of this week, it seems that cryptocurrencies have been reacting negatively to the surging US Dollar. In this sense, they’ve been acting a lot like traditional commodities,”

As much as some in the cryptocurrency industry consider digital currencies waging a war against traditional fiat, the U.S. dollar may actually be to blame for the falling price of crypto. While being a safeguard against deflation has long been a selling point for cryptocurrency, Greenspan contends that a strengthening U.S. dollar alleviates that fear, in addition to providing security against price volatility.

by Michael Lavere

Read More Read More, Posted by: crytocure
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Stellar Lumens (XLM) has been in the spotlight the last few days for its big movements.  The price has not reacted much to the recent relief rally but it appears to be all set for the next breakout. RSI conditions for Stellar Lumens (XLM) on the daily chart for XLM/USD above are favorable as the RSI level is just where it has been before the last breakout. The ROC indicator on the above chart shows that the price took 242 days to breakout during the previous cycle. This time, a period of 242 days comes down to September 02, 2018. This means that the breakout can be expected anywhere between late August and early September.

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Stellar Lumens (XLM) has a pattern of trading in triangles before a breakout. The price is currently trading in a similar triangle as the one before the previous breakout. The price has failed to break the downtrend resistance so far but the further along it trades in the triangle, the easier it gets to break above it. EMAs for XLM/USD are trading very closely to one another which mean that the next move from here will be a quick and aggressive one.  Stellar Lumens (XLM) already seems to have reached its bottom but will continue to trade further along the triangle until the altcoin rally begins.
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Stellar (XLM) has traded well against Bitcoin (BTC) and has failed to break below the support line since the beginning of this correction. The price has now entered a falling wedge as can be seen on the XLM/BTC chart above. Stellar (XLM) has a pattern of trading in falling wedges against Bitcoin (BTC). The price first enters a giant falling wedge, which is then followed by a series of falling wedges that keep getting smaller as the correction draws to an end and the wild swings reduce.

An interesting observation with regards to Stellar (XLM) is the similarity between the AMA Wave between the period of consolidation before the last breakout and the period of consolidation before the upcoming breakout. As shown on the chart above, both prices ranges exhibit similar AMA wave patterns just before the beginning of a new cycle. The target for this pattern comes down to August 30, 2018 which corroborates our previous range of breakout for Stellar against the US Dollar between late August and early September.

Stellar (XLM) is an interesting project as it enables users to exchange values among themselves without the need for any intermediaries. The project is often seen as a rival to the third largest coin, Ripple but they actually do not have a lot in common. Stellar (XLM) focuses on peer to peer transactions whereas Ripple (XRP) focuses on cross border payments with the help of intermediaries like banks and financial institutions.  It is clear though that in the ultimate shift towards decentralization, coins like Stellar (XLM) will be more useful and valuable than Ripple (XRP) but for now, its value depends on actual use cases and mass adoption.

by Fakhan

Read More Read More, Posted by: crytocure
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5 Stellar Partnerships That Explain XLM Escape Velocity
The same man started them both, but could the new coin be the ultimate winner?

All eyes were on XRP (which is not Ripple) as the ‘official’ banking cryptocurrency, but Stellar Lumens (XLM) is sneaking up along the rail. A series of powerful partnerships have turned the newcomer into a serious contender and this is fast turning into a straight fight.

The Lumen is the sixth biggest coin on the market right now after passing Litecoin and achieving a market cap of $5.4 billion. It’s one of the rising stars in a tough market and hasn’t suffered as badly as some of its rivals in the recent slump.

It even bucked the trend… and is considered as a lighter, cheaper alternative to Ethereum. When it comes to functionality, some think that the Stellar protocol is one of the most decentralized in the cryptocurrency ecosystem.

A Payment Industry War is Brewing

Both XRP and XLM are aimed at the trillion dollar payments industry and designed to facilitate cross-border payments that bridge crypto and fiat currencies. Both offer fast, affordable and reliable transactions and there are an awful lot of similarities.

Now, a coin that has the potential to scale worldwide and provide cheap and easy transactions is starting to spread its wings. XLM has focused on the on and off-ramps for virtual to fiat currencies and that could be the edge that it needs.

Big Business Takes Notice

McCaleb certainly kept some important parts of Ripple, including the corporate veneer that has allowed for some killer corporate partnerships. Facebook recently denied that it was developing its own Lumen-based cryptocurrency and we can’t see a fire, but there is a substantial amount of smoke.

Here are some of the biggest partnerships that we definitely know about:

1. IBM

The tech giant has come a long way since the card-based computer systems of the 1940s and it’s now a world leader in Cloud computing. The recent tie-up with Stellar is a brave new chapter for both of them.

The tech giant has signed a $740 million deal to work on blockchain solutions for the Australian government. They range from defense and home affairs systems through to data protection and the government estimates it will save $100 million AUD as a result of switching these systems to the blockchain.

It is working on a Stellar-based stable-coin and this is a blossoming partnership that could make truly light a fire under the Lumen and send it sailing past more established competition.

2. SHIFT Markets and Lightyear

SHIFT partners with 60 cryptocurrency exchanges round the world. Most of these exchanges lie in emerging markets and a partnership with Lightyear should provide a launchpad for XLM to provide finance, payment and basic banking services to impoverished nations that simply don’t have access to these facilities.

The Lumen gets exposure to a global audience and everybody gets the chance to switch fiat currencies for crypto. It was always one of cryptocurrency’s potential (and as-yet unrealized) benefits that the Stellar protocol can finally exploit.

3. Deloitte

One of the world’s biggest professional service providers signed with Stellar Lumens to provide affordable and rapid payment systems through the Deloitte Digital Bank.

It’s a simple concept to provide cross-border payments and instant peer-to-peer transactions using their driving license or other ID to verify the payment. It takes as little as five seconds and this should spell the end of that painful old excuse: “The check’s in the mail.”
Even modern banking systems have friction and it can take 5-7 days to send money overseas. Deloitte wants to bring an end to this and is now working with a number of different financial institutions to bring this blockchain solution to everybody.

4. Stripe

The payment system invested $3 million in then start-up Stellar and obviously wants to incorporate the digital coin into its payment system that supports 100,000 businesses, including Warby Parker and OpenTable.

In fact, Stripe was the first company to invest in Stellar and it’s an unusual deal. Stripe essentially gets 2 billion Lumen, but has agreed in advance that any profits from their sale will go right to the Stellar.

Stripe did support bitcoin, but dropped it in April due to processing charges and delays. That leaves an open door for a replacement, and if Lumen can live up to its potential then there’s a real opportunity here.

5. Wanxiang Group

This Chinese giant has interests in the automotive sector, real estate and financial services. Now it has a launched WanCloud, an open-source blockchain protocol that Chinese development teams can co-opt.

Stellar, Factom and BlockApps are all involved and together they want to kickstart the nascent Chinese blockchain business. China banned ICOs and cryptocurrency investment last year, but still believes it can implement the best parts of the blockchain technology without the coins. That has hurt some of its brightest prospects, but the blockchain can still flourish.

WanCloud CTO Haifeng Xi said: “This is not just a technical platform, it’s an open innovation platform. WanCloud is a bridge between the global blockchain development community and China. We aim to connect China’s developers, startups and traditional businesses.”

by Nick Hall

Read More Read More, Posted by: crytocure
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Stellar has seen a price decline totalling 4.09% over the past 24 hours of trading. This comes after Stellar, and the rest of the cryptocurrency market, managed to rebound over 10% over in one trading session, yesterday. Stellar is currently trading at $0.21, at the time of writing, after suffering a 12.57% price drop over the past 30 trading days.

Stellar has often been described as “Ripple….but for the people”. It enables low-cost interbank transfers across countries in less than 5 seconds. It is a finance platform that connects individuals, institutions and payment systems. Ripple, on the other hand, is designed primarily for financial institutions and banks to be used by.

Stellar Lumens is currently ranked in 6th position in terms of overall market cap across the entire industry. It has a total market cap value of $4.07 billion. The 48 month old coin, XLM, has suffered a precipitous price drop toalling 32% over the past 90 trading days.

Let us continue to analyse price aciton over the short term.

Price Analysis
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Analysing price action from the chart above, we can see that XLM had experienced a sharp price increase totalling 178% in April. Price action started from a low of $0.16 on March 31st and extended to a high of $0.47 on May 3rd.

We can see that after placing the high, price action went on to decline rapidly in May and June. Price action completed a 100% Fibonacci Retracement of the bullishrun toward the end of June as price action returned to the low of $0.16 once again. This support level was bolstered by a 1.618 Fibonacci Extension level priced at $0.16.

Throughout July, price action went on to make another bullish run before retracing to where the market currently sits, at support marked by the downside 1.414 Fibonacci Extension level priced at $0.20.

Let us continue to analyse this second bullish run a little closer and highlight any potential support and resistance zones.

[Image: xlm-2.png]

Analysing the market from a closer perspective, we can see that the bullish run in July commenced when price action started from a low of $0.16 on June 29th and extended to a high of $0.36 on July 25th. This was a price increase totalling 115% from low to high.

We can see that as August commenced trading, the market decline rapidly. However, the bloodbath seemed relatively muted compared with the rest of the altcoin industry. We can see that XLM fell below the 100 day moving average and continued to fall until support was found at the short term .886 Fibonacci Retracement level priced at $0.19. Each time price action approached this area, it was rejected heavily.

Price action is currently trading at support marked by the short term .786 Fibonacci Retracement priced at $0.20. This support area is bolstered by the downside 1.414 Fibonacci Extension mentioned above.

If the market can gather momentum at this support level and rally, we expect immediate resistance to be located at the short term .618 Fibonacci Retracement priced at $0.24. Further resistance is expected at the .382 Fibonacci Retracement priced at $0.28.

Alternatively, if the market falls below $0.20, we expect immediate resistance to be a the .886 Fibonacci Retracement priced at $0.19. Further support can be expected at $0.16 which is June 2018’s lows.

The technical indicators are still favouring the bears at this moment in time as the RSI trades beneath the 50 handle. However, it has been rising over the past few sessions indicating that the bears may be losing momentum.

 If a sustained break can be made above the 50 handle this will signal that the bulls are starting to gain some form of traction within the market.

Read More Read More, Posted by: crytocure
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Stellar (XLM) has been in the news for all the good reasons of late. This time, it is among a list of crypto verse projects that Facebook has talked to in a bid to explore ways of the giant social media platform can gain inroads into the market and challenge Wall Street. Blockchain uptake is on the rise and social media is developing a soft spot towards its adoption.

Stellar Lumens is an open source outfit that is growing in popularity and this is an opportunity for the showcase its prowess in its cross-border payment front. Unlike the old generation cryptocurrencies, Stellar has underutilized opportunities that Facebook can take advantage of should the talks settle on the ecosystem as the preferred choice.

Stellar and Facebook Collaboration Implications

In the event that the Stellar-Facebook deal works, both players are set to benefit. Stellar has the technology and a native coin to act as a medium of exchange while social media monopoly has the numbers and global reach.  A blockchain backed Facebook can be a nightmare and a disruption to existing bank payment system.

Stellar is not a shy players in the payment arena if the IBM collaboration is anything to write home about. In a recent Facebook job posting, the upcoming crypto verse giant is quoted as having posted:

“Is a startup within Facebook, with a vision to make blockchain technology work at Facebook scale and improve the lives of billions of people around the world.”

Stellar is among the crypto verse players Facebook has approached and the talks are still in their early stages to determine who is to be the preferred pick. With the increased interest in blockchain, the project that Facebook picks will have a strategic partnership to drive it to the epitome of the cryptocurrency markets.

Facebook Talks with Several Crypto-sphere Outfits

So far, there are only scanty details about the talks but Facebook, led by PayPal for executive, David Marcus is focusing on meeting open source payment backed networks and obviously they are looking for the right fit for their blockchain project and Stellar has an edge over the other candidates.

Marcus has a rich experience in the currency payment sector and coming from PayPal means a lot when it comes to cutting a deal with blockchain entities. Whether the deal goes through or not, it is clear that Facebook matches Stellar in its ambitious project to share global banks.

A large percentage of Facebook users and fanatics are using cryptocurrencies and a link between the social media platform and blockchain is missing. To tap into the free flowing digital assets, Facebook is looking for a bridge putting Stellar as the frontrunner for any future partnership.

Why Would Facebook think of Blockchain and Stellar in particular?

Stellar appears to have the best value proposition for the social media outfit and with the traditional bank snail-pace rate to adopt new technologies, Facebook is driven by near real time transactions speeds, transparency. According to JPMorgan report on using blockchain, it only takes few seconds to send payments internationally through Ripple compared to five days with the fastest bank.

This is not the first time Facebook is collaborating with an open source platform. They have had a good run with React, a firm that utilizes open source based language to sustain the social media platform. Getting partner of repute who is already established in the market makes more sense compared to building their own blockchain from scratch.

Stellar Insider Confession

According to a Stellar insider privy to the talks, Facebook is in need of a system that will provide a distributed ledger service that will enable them record payments and other transactions. This will also help them detect fraud easily. Facebook merchants would also connect to the network as it offers the best Swift payments and integrates seamlessly with banks.
The insider adds:

“They’d be taking the rug out from under the banks; they can add a bank more quickly than a bank could build a social network.”

However, Facebook is playing its cards close to their chest and have played down the possibility of riding on the Stellar systems to pose a threat to the existing banking institution’s networks. After the news were made public, XLM price surged by 8%. This is a clear show that the crypto user masses are ripe for a partnership that will change the lives of billion users globally.

by Albert Kim

Read More Read More, Posted by: crytocure
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Undoubtedly, education is a sector where dusting is necessary. Admittedly, this is a purely national problem and some states seem to be better advanced than others. Moreover, the internet has changed so many things for us, let’s say, you want the best English tutor in Singapore, you just type it on the internet and have so many results pop up on the screen.  


The Ministry of Education, your school, college, high school or university will no longer have the monopoly of diploma certification. The issue of a duplicate, a true copy, the original of your diploma or even your transcripts will no longer be useful. In other words, you will not have to prove to anyone that you have obtained the diploma. Farewell false doctors or false lawyers since all degrees will be publicly available and verifiable.

This is the main contribution of the blockchain in the field of education. Between companies that do not check or miss the diplomas of the candidates, the regulated professions performed by charlatans and the disconcerting facility to imitate a degree , the veracity of the latter is one of the most common and most universal evils in of education.


In connection with the previous contribution, technology would make it possible, in a more general context, to completely eliminate paper. It could securely and permanently store all registrations, credit transfers and student learning throughout their schooling.


This is one of the consequences of blockchain technology in the broad sense. Distributed registry, the blockchain “in the pure state” allows everyone to own their own data. As a result, best English tutor in Singapore would keep control of their educational data.
Schools, high schools or other universities would have no reason to invest astronomical sums to keep the data of their students. In addition, these storage systems can sometimes be completely outdated. The cost of data management would be reduced to a minimum. Finally, there would be no more presumption of responsibility on schools and universities in case of poor data recording.


As soon as a recording is made on the blockchain, it is there to stay forever. Immutability is the characteristic through which certification of diplomas and personalized data management are possible. It will certify the records in an absolute, secure and tamper-proof manner. This would avoid the potential case where a state would see its archiving system collapse.

Also the checking of the recordings could be carried out from any device connected to the Internet, in a few seconds and (a priori) free. Thus, instead of waiting for the administrative secretary to send the student’s diploma, the verification would be carried out immediately.


Certainly, it is a potentiality a little far-fetched and surfing on bitcoin-mania. Above all, it depends on each state since education can be free as you incur over 30 years.

Some imagine the creation of personalized cryptocurrencies to finance his own studies. We remain a bit dubious on this point because, on the one hand, the cost of education could (should?) decrease, thanks to the evolutions described above. On the other hand, the multiplication of crypto-currencies is not necessarily desirable in the long term.

However, beyond pure cryptocurrency, this would include automatic recognition and transfer credits. Here we can include the receipt of payments such as tuition fees or grants.


With energy and finance, education is one of the three sectors where blockchain could lead to a significant and positive evolution. The potentialities are enormous and are not confined to those mentioned above. The others are only at the embryo stage. Future interactions between the education system, English tutor Singapore and the blockchain need to be monitored.


Read More Read More, Posted by: crytocure


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