Convert Bitcoin Cash (BCH) and Euros (EUR): Currency ...
Convert BCH/EUR, Bitcoin Cash to Euro CoinCodex
Bitcoin to Euro, convert 1 BTC in EUR
Cryptonator is an online cryptocurrency exchange rate conversion tool, which allows you to instantly convert almost every cryptocurrency into another cryptocurrency or into US Dollar and Euro. It supports not only Bitcoin, Litecoin or Dogecoin, but also around 300 other cryptocurrencies including latest ones.
[**CryptonXchange**](https://twitter.com/hashtag/CryptonXchange?src=hashtag_click) We are breaking new ground by making cryptocurrency cards as well. So, we provide with an opportunity to store, withdraw or make payments by card in euro, Bitcoin or Ethereum with direct conversion immediately.
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With Paymium, European merchants can now accept payments in Bitcoin with instant conversion to Euro, without fee
The exchange Bitcoin-Central was renamed to Paymium and just launched their new Bitpay-like service for european merchants. From their Facebook post : With Paymium, European merchants can now accept Euro payments through the Bitcoin network - https://www.paymium.com/page/merchants PRESS RELEASE Date: Monday, June 30th 2014 - Paris, France Release date: for immediate release PDF version: https://blogdotbitcoincentraldotnet.files.wordpress.com/2014/06/paymium-merchants_press-release_en_20140630.pdf Accepting Bitcoin payments is now easier than ever. Paymium is delighted to introduce today its merchant solution to accept payments in Bitcoin with instant conversion to Euro, without fee, for every European merchant. Using this easy-to-setup, easy-to-use solution, merchants can now accept payments with Bitcoin, without currency exchange rate risk: amounts are displayed in Euro and paid with Bitcoins; the Bitcoin payment is then instantly converted to Euro. In other words, if a product is sold 100€ and paid with Bitcoin using Paymium, the merchant receives 100€. Funds are instantly available and can be withdrawn with no rolling reserve. Live example: hand-picked premium Champagne retailer MonChampagne.net accepts payments with Bitcoin using Paymium (1) http://monchampagne.net/ How to accept Bitcoin payments with Paymium
About Paymium Founded in 2011, Paymium is pioneering in the European Bitcoin landscape, with 60 000 European customers including 5 000 active traders (2). Paymium SAS is the company behind the Paymium Bitcoin exchange (previously known as Bitcoin-Central 3), offering a secure, reliable, high-performance trading platform in compliance with European regulations. Each customer account is linked to a payment account held for them by a licensed Payment Institution partner: customers send euros to an account owned by them to purchase bitcoins. Customers withdraw requests are transmitted directly to our Payment Institution partner. (1) Many thanks to MonChampagne.net, our first merchant customer (2) Active trader: has executed a trading order in the last 100 days (3) Bitcoin-Central change its name to Paymium on June 23rd 2014 Contact Gonzague GRANDVAL Paymium CEO E-mail: [email protected] Twitter: https://twitter.com/ggrandval Website: http://paymium.com/
Mastercard or cryptocurrencies: which payment systems are more promising
Hello! Today we will tell you about Mastercard and cryptocurrency payment systems. 📌 Mastercard is striving to improve the consumer experience by planning to introduce currency conversion for cards in euros and dollars on the day of the transaction. 📌 However, cryptocurrency does not lag behind traditional payment systems. Today, many Western companies already accept payments in Bitcoin and even in altcoins. 📌 Firms that accept cryptocurrencies for payment indicate prices in national currencies. Therefore, the problem of volatility still needs to be addressed. 💬 “Nevertheless, cryptocurrencies will have their own niche - anonymous payments without government intervention. There are a lot of users who want to make transactions without government control and compliance. It is important to note that today the value of cryptocurrencies is recognized by people regardless of the position of states, ”says Denis Voskvitsov, head of the fintech company Exantech. 📌 At the moment, traditional payment systems like Mastercard are still superior to digital currencies due to the novelty of the latter, lack of regulation and a certain legal status of cryptocurrencies, low literacy of the population in this area in most countries, etc. 💰 ZYX Network Cryptocurrency Payment System ✔️ ZYX is a versatile and well-designed payment tool. It is a blockchain product with wide-ranging capabilities for various user categories. ✔️ We offer an improved Proof-of-Stake algorithm with active and passive mining options, a high-performance blockchain, quick transactions, and a user-friendly ecosystem to develop dApps in. ✔️ ZYX Network uses the Web3.js wallet solution. Thus, a wide range of partners will have access to their balance sheets and unify ZYX Network as a payment instrument. Join the ZYX community and take full advantage of the ZYX Network: https://zyx.network https://preview.redd.it/weuoqw0cl8g51.jpg?width=1200&format=pjpg&auto=webp&s=076cc6e5c4105f16cab5d86e47b10beb586ca92a
Looking back Bitcoin has had a hell of a ride. One aspect kept comming back though; underestimating the next step up. Just look back at conversations in different time frames, every hurdle was going to be impossible to take, to just being rolled over... It was never going to reach $1, for sure $100 was dreaming, reaching parity with an ounce of Gold well keep dreaming, ever going to touch $10k you are just insane, companies going to use it as their reserve pffff get out..... And next ath will be the same.. No matter what it will be the incoming money will again surprise most. If it will be pension funds, governments, hedge funds, or whatever I don't care.. The only real risk I see is a possible panick. Number of newly mined coins is low compared to what it was, while mentioned parties above have WAY more fiat to spill than previous cycles mainly initiated by just small parties. If the next run gets just a bit out of hand things go nuts. If pension funds, or governments openly step in, demand would outstrip supply by a magnitude. Which Hodler is going to sell if price goes nuts and no end in sight since every one can do the basic math how much fiat will roughly chase that limited number of coins? Just that attitude will make the price go even more nuts.. Look at the dire state of most fiat. Look at the unsustainable debts. The system will start to crumble and not just the weak usual suspects, no this time big players like the Euro and Dollar will get hurt. I don't know how we should prepare for such an bull run. All I can say is 'don't get blown away, don't sell easy'. Hodl, strong.. . Edit: It won't matter what the price is going to be, it will matter how many stats you have stacked and if you could Hodl....
List of current UI/UX issues & possible QoL improvements (Megathread?)
As some of you know, I only make stupidly long posts and also like to humbly brag about being a software engineer with fairly decent experience in QA, automated testing and testing in general (6+ years a C# dev). This is my personal list of things that either make no sense, are unpleasant, incoherent, or could be improved. Please feel free to add to the list, I will come back and edit every day. Numbers are also here to help you quote & provide your own criticism. Note that is is done with the following optimization mindset, in order of importance :
Remove redundancy / incoherence
Reduce time spent in menus/inventory (out of raid)
Reduce number of clicks / interactions
As you can see I worked under the assumption that the average player wants to spend more time in raid rather than in inventory ; obviously this falls apart if that is not the case. To do that I try to improve time spent on searching / arranging things without creating unecessary automation or remove important/immersive aspects of the game, even in inventory. I also try to improve time spent clicking through various windows as currently a lot of them are done to be fast & easy to for the devs, not for the players. I want to emphasize that I'm okay with that. I know the importance of having sub-optimal navigation to help you find out what your better navigation is. I also know a complete rework is not always possible, that is why I made my list without changing too much of the menus as well as keeping the vibe/current feel of those menus. Keywords like should & could are used as intended ; since this is not a professional report I'm emphasizing here, the meaning of the word is important. Should means it is adding an improvement over an existing issue, could means it's a possible improvement but requires further investigation. Would means investigation was done and is just one possible outcome usually relevant within the context. Please note that most of us now are very used to the current UI/UX, which will generate two reactions: - "It's fine as it is because I can do it quite fast." - "I don't want it to change again, I'm used to it now." I cannot emphasize how unefficient it is to let those emotions get the best of you. UI/UX is the study of common sense & ease of use in an interface. You should never have to get used to anything, it should be fluid and intuitive. If you think you're fast now, that means it's possible to be slow. This is extremely bad for a UI/UX standpoint. Everybody should be able to navigate/understand the menus just as fast the 1st time than the 100th time (ideally). Keep this in mind when you read everything down here, because some stuff you probably won't like at first glance, but you will get used to it very fast, and you will gain a lot of time in the future, as well as new players.
Currently when in the workbench (and I think others? now I doubt), the list of craftable items appears to be random. The order should always be the same for consistency. Does not provide meaningful gameplay experience to have to "look for the recipe" every time.
4. Collecting crafts
Hideout stations could display the finished craft on top for easy collection of craft, or there could be a "Get Items" or "Receive All" elsewhere to avoid unecessary scrolling. This is uncessary if ongoing crafts are moved on top of the list, or if the list is autoscrolled to the ongoing craft. "Collect All" on station level is not the best idea. If you go in a station, it's probably better that you know what you're collecting. I suggest moving the relevant craft on top or auto scrolling and not adding "receive all" on station level, although it would be a good help. This should be investigated. Receive All or Get Items could be moved or added at the top or bottom of the window.
5. "Receive All" could exist at hideout level
The same way we "receive all" from a trader, it would be nice to "Receive all" from the hideout. Either in the form of a trader (in which we can receive all / pick manually from) or by instantly putting it in inventory. If there is enough space it just works. If there isn't, it displays an error like it already does. This is not mutually exclusive with the previous suggestion.
6. Display crafts readyness/collection
6.1 Hideout The current behaviour is partially coherent. You get notified when an item is sold, and you get notified when a craft is finished. You have a display notification "Attachment" style when a trader has something for you, and you should get a display notification "attachment" style when the hideout has something for you. Ideally, there should also be such notifications for currently unused station Receive all on the right, Nutrition unit has finished crafting and Lavatory is currently NOT crafting 6.2 Traders There should be a way of knowing if something is waiting in trader inventory on a global level (quest rewards, money, insurance, unsold market items returns), like the nofication. The "new item" notification could be always visible as long as items are in the trader inventories, compared to now where it disappears as soon as you either click it or visit the messenger. In this hypothesis, there could be a change of color in the notification to show that there are still item waiting including some that haven't been seen yet (to still fulfill the current role of the notification)
Note : CTA = Call to Action, it's the button your user will press 99.3% of the time. Example, in the launcher, it's the "Start Game". Clearly visible, easily accessible, highlighted, much bigger, and at a very common CTA spot. That one is great. Some others are not. 7.1. "Receive All" should not be displayed when there is nothing to receive. 7.2 "Get" in single transaction messages from Ragman could be removed. There is no reason to take single items from the window when you can receive it all at once. 7.3 A "group collect" Receive all action could be added when you click on the attachment notification, or as an extra action next to the notification (just like shown on the Hideout in figure 6.0) that would specifically collect all. it would loop through all conversations and collect all and dump at the top of stash, either until its finished or there is not enough room, in which case it displays an error. It could also work like the scav case and not pick up anything until you have room, and in that case you would go in the window manually and/or make room (like we do now). 7.3 The "Receive all" is at the bottom when most CTAs in the game is at the top (dealer tabs, market tabs, character sheet tabs, settings...). Save in the settings is at the bottom too. It is incoherent. It would make more sense to have all CTAs at the bottom and options/tabs/menus at the top. 7.4 The "DEAL" button in trader view is much smaller and less visible than the "Fill Item" checkbox. The CTA should be getting more attention than a setting. New players pretty much *never* see it first and look around the "Fill Item" with eyes & mouse. DEAL should be at the bottom in the current \"Fill Item\" box. Fill Items should be removed entirely. 7.5 Quests could be automatically accepted (no need for CTA). I don't see a reason why someone would not accept a quest. The only reason we're Accepting them now is to let the user know he has a new quest. There are other means of notifying players of new stuff : usually notifications. If not, that button should at least be more visible/highlighted. Every new player ( 100%! ) I coach does not see it at first and never looks at the right spot the first time. 7.6 "Insure All" is the most commonly used button in the insurance screen and could be emphasized more. Example 7.5
8. Remove "Fill Items"
The Fill Items to automatically fill the trader's requirements should be removed and set as the default behaviour. There is no need to fill items manually nor tell the game to do so.
9. Expire / Delete pending requests
Friend requests should be cancellable and could expire. Requests should not be stuck until another user acts on them. Right clicking the request could display a "Cancel" or "Delete" request button. Ideally, the cell should include a CTA on the right, as the only action I would ever do in a cell in this context is cancel. Opening a submenu with only 1 item means youshould notbe opening a submenu, but displaying a button where the user right clicked instead. I can only re-send a friend request to someone that already denied me. This is incoherent.
10. Market Rows
From my somewhat small sample (about 60 players), nobody uses the expand button on the top right of a cell (see below). I think everybody uses the right click on item instead. An expanded cell with context menu opened, and a collapsed cell The extra information available on the right is the exact same as a right click, but is hidden behind a left click. This is incoherent. The only difference is the profile picture that I only get from expanding, but currently we all have the same one. This would need to be investigated. This could be an improvement, displaying the CTA's immediately (although BUY is definitely way too small). Notice profile picture on the left 10.1 The expandable cell feature should be removed altogether, as the other options are available on right click. 10.2 The whole row should provide the same context menu (right click). 10.3 The "Send friend request" could be included in the row's context menu, or could be removed entirely, as right now most requests are missclicks. Adding the Send Friend Request at the bottom of the context menu on the row would reduce the amount of missclicks. 10.4 Left clicking should not open the context menu. This is mostly the reason behind missclick friend requests, people double clicking slightly off the item icon sending a friend request by mistake. Now I have 4 just because I was trying to make a screenshot. F's in the chat. This would be resolved with 10.2 and 10.3. 10.5 Barter items have a "Barter" icon that is redundant, the first and second column are completely irrelevant to the player. Example 10.5
11. Filtering search
11.1 "Filter by Item" should not filter the browse list. If you're writing a valid keyword in the search field it should display the correct suggestions. Filtering content is good, filtering suggestions is incoherent. 11.2 Filters could be cleared as soon as you type text in the search field. This would resolve 11.1 Example 11 11.3 "My Offers" could not be affected by filters, or could reset filters. It is more trouble to remove the filter manually every time rather than browsing through the offer list. Currently we never have more than ~10 offers at the same time for most players, which is okay to display without filter. 11.4 Filters should not overlap with other UI elements, they could be resized to fit or the expandable filter list could include more elements so the visible ones fit. Example 11.4 11.5 The Remember Selected Filter / Reset Filter is unclear. Looks great, feels weird, and should be investigated to be more useful.
12. Context Menu in player lobby
The current lobby with context menu open All players in this list are looking for a group, there is no need to write a status "Looking for group", it's redundant. The exception is friends, which 99.633...% of the time is the group i'm about to play with. Those are displayed on top. The only action we do on the list on this screen is the "Invite to group" context menu action. It's a CTA and should not be hidden in a context menu, especially if the context menu only has one option. Since recently it has two, but we'll come to that in a minute. 12.1 The invite CTA should be on the player cell itself. 12.2 The report action should not be the default one from the context menu 12.3 Since there could be only one item in the context menu according to 12.1, the report action could be on the cell as well. A low quality suggestion for 12.x
13. Trader Buy/Sell
Trader screen needs to be reworked. I won't provide a solution that doesn't completely change how everything looks/works as I stated at the start of the post. That being said this should be improved. Example 13.1 13.1 Buying UI should be reworked. When buying, the price of the item is already displayed on the item itself in the trader view. The price is also displayed a second time in the tooltip of the item if you mouse-over. The price is also displayed a third time in the barter area on the right of the image (middle of the screen in game). This is redundant. I understand the item on the right is the physical item "Roubles" in a stack that is paid, like a barter, but it does not need to be displayed a third time. 13.2 Quantity limit (red box in the image) could be shown in the tooltip ; most of the time people will hit "DEAL" until they get an error insted of actually reading the red box. 13.3 The red box looks like an error even when at 0/x, this is not intuitive. Limited items can be listed in different ways that are not so invasive. We could add "out of X" at the right side of the quantity box. 13.4 Barter item prices (if we assume 13.1) would need to also displayed differently. This needs to be investigated 13.5 Selling UI should be reworked Example 13.5 Currently selling an item still displays the full available items to BUY, this is incoherent. Especially from the "Sell" tab. The whole left side of the screen is wasted, and cannot be used. 13.6 Items on the left are not greyed out (even though I can't buy them), but items on the right are greyed out (because I can't sell them). This is incoherent. 13.7 Trader sell space should be infinite 13.8 Buy/Sell could be done in a single tab if the whole screen is reworked. There are different levels to this. An easy one I could think : "Trade" Tab instead of "Buy". Displays the same as the current "BUY" tab. If you ctrl+click an item from your stash, it instantly sells without confirmation. The second tab would be a "Buyback" where you can see what you sold in the current trade session. If you leave the screen your buyback is reset and items cannot be recovered. Another way would be to keep buybacks for the last X items. You would need to pay what you received to get back. The item would not lose it's FiR status. This preleminary and simplistic rework has issues, notably that you have to know to right click to sell. One way to fix that would be to make right click sell to trader instead of control click, but that would definitely make missclicks the first few days (and buyback would be mandatory). This could be investigated. 13.9 Currency exchange rates should be easily available in relevant areas (Peacekeeper, Therapist and flea market) for all currencies (Rouble, Euro, Dollar, Bitcoin)
Items should be boxables and moved around. At least to be dropped in boxes, ideally to be moved around freely. There is a limit of 20 images. 🤷♂ Example 14
15. Quest inventory
If you loot too many quest items in a raid, you can end up not being able to loot it. I assume this is by design and it is why you have limited quest item space. The quest inventory could be infinite if it's not by design to be limited. The quest inventory should be manageable. In my case i had a 1 slot item blocking me from taking the suitcase, I should have been allowed to move that 1 slot item to the top or to the right of my inventory, clearing a whole line and letting me take the case. Quest items could be stored in backpack (and resized) ; since you lose them on death it's not relevant to the players looting you or you dying and that issue would be gone. Storing it in your stash would also prevent you from losing it by going in raid with it by mistake. Taking it in raid or giving it to trader would be a volontary action. It also makes much more sense that way as other quest items (that are also usable items) work that way. Alright this ended up taking more time than my lunchbreak, and there is *much* more to write but for the time being I'll leave it at that and come tomorrow to add your suggestions or mine. See you in 24 hours.
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Transactions and balances summarized per account and per currency
Source of MAIN Sheet calculations
All transactions need to go here even if they are noted in other sheets
For individual receipts
Can be hidden or deleted if not needed
Summary of NLTHP Cash Sheet (and possibly Tournament sheet in the future)
Has table for setting up monthly goals
Can be hidden or deleted if not needed
NLTHP Cash Sheet
For noting NLTHP Cash game sessions
Can possibly be used for games other than NLTHP
Can be hidden or deleted if not needed
Possible future sheets:
Budget, NLTHP Tournament and Crypto sheet
US Dollar (USD)
British Pound (GBP)
Supported conversions to:
The workbook is free and open source, does not contain any macros and all 4 external links to exchange sites are contained in a single sheet which can be removed if needed. If anyone has any questions or suggestions you can leave a comment, or send me a DM on Reddit or Matrix.
Question about making btc transactions from EU to the US
Hi all, I'm totally new when it comes to BitCoin. I'm EU based and I have several small-ish payments to make to some people in the US. I was looking into bitcoin to do this as other methods have sky-high fees, but I had a question. Say I need to make a payment of 100USD to a person. He agrees to do this through bitcoin. My own currency is in euros and in order to buy bitcoin with euros, there is a conversion fee. Then I send him the bitcoin, so there will also be the transaction fee. Finally, he recieves the bitcoin but he will have to convert it back to usd. So I will have to pay for that conversion fee as well. But he needs to get his 100usd. So, when looking from the beginning, I would need to convert enough euro to usd to make sure that, after all fees, he gets exactly 100usd? This system confuses me a bit, am I missing something? Furthermore, I've read about Lightning Network for micro transactions. Up to how much usd is considered a microtransactions? Or does it not really matter? Thanks in advance for any responds!
Background e intro La Union Europea y en cuestión el Area Economica Europea o single market es un colectivo de veintiocho estados, cuales en su mayoría abolieron todo tipo de controles migratorios internos. También llamado Area Schengen, aunque esta, no incluye los veintiocho miembros sino, veintiséis. De la misma manera, el “single market” o Eurosystem, mercado común europeo y su moneda de facto el Euro, ISO 4217 : EUR no se usa en todos los miembros del área política. Sin embargo todos los miembros de la Union Europea y varias de las jurisdicciones que no usan el Euro como su moneda de intercambio oficial (Romania, Polonia, Suiza, Dependencias de la corona, etc.) son parte del área SEPA compuesta por 36 miembros. SEPA, Single Euro Payment Area es un protocolo de créditos y débitos bancarios entre personas físicas o legales de rápida ejecución operando 100% bajo el estándar IBAN. Es moderno comparado con otros sistemas similares como el ACH o wires locales americanos, ciertamente anticuados y de un costo mucho mas alto de operar. Por regulación del ECB (European Central Bank) los pagos SEPA ya sean créditos o débitos deben ser gratuitos y se considera ilegal cobrar por una transferencia SEPA. Esto dicho, varias instituciones cobran un “fee” por la ejecución de transferencias SEPA bajo alguna descripción a modo de eufemismo. Si bien SEPA es considerado relativamente moderno, SEPA ICT (Instant Credit Transfer) ya se encuentra desarrollado y en proceso de implementación. Bajo el nuevo standard, las transferencias SEPA son ejecutadas en tiempo real con el fin de incentivar la implementación y adopción de las tecnologías fintech desarrolladas por privados bajo el tutelaje del ECB. Desde hace aproximadamente diez años, el ECB comenzó a liberalizar el mercado bancario a modo de desconcentrar el monopolio de la banca europea. De esta manera dieron comienzo a las entidades EMI (Electronic Money Institutions). Entidades quasi bancarias, las cuales pueden ofrecer IBANs personales de manera instantánea y emitir tarjetas de pago (en general no debito sino prepagas directamente ligadas a una cuenta personal). Regulación La flexibilización de la banca europea via fintech tiene sus rarezas, la mayoría de las nuevos “bank challengers” usaron frases del tipo “we are not a bank, we are better tan a bank” y similares. Muy cool a los ojos de un millenial rebelde sin embargo el wording es exacto. Una entidad EMI no es un banco, no está siquiera remotamente cerca de serlo. Estas entidades no operan con efectivo, ni en general ofrecen créditos, o inversiones o tasas de interés (mas allá de que la tasa de interés del ECB se encuentra en el área negativa hace años) porque la verdad es que una entidad EMI no está a autorizada a tomar depósitos en Euros. Cuando decimos “Electronic Money Institution” en realidad debería leerse más como “token”, la gente que usa crypto entenderá de manera más fácil. Al momento del depósito, la entidad mueve nuestros Euros a una cuenta a su nombre en una entidad bancaria real en general en la jurisdicción en la cual está registrada y licenciada aunque esto no es necesario. Los depósitos, a diferencia de un banco, no se pueden ofrecer a modo de prestamos ni se pueden invertir y se deben mantener segregados. Como una especie de cuenta escrow. En el mismo momento, de manera instantánea intercambia 1 for 1 cada euro por un token dentro de su plataforma al que le podemos poner el símbolo y nombre de euro pero al mismo tiempo no lo es. Al momento de efectuar un pago fuera de la plataforma el ejecutor intercambia nuevamente nuestro token por 1 euro cash que se encuentra depositado en la cuenta escrow y lo envía via SEPA o SEPA card hacia un comercio o una persona física/juridica a modo de pago. Esta pequeña diferencia hace que el statement “we are not a bank” tenga un significado mucho más verosímil en lo legal de lo aparentemente anunciado. Y por esta razón, suelen lidiar con clientes de mayor riesgo que un banco tradicional. A manera de un sandbox monetario. El problema principal, más allá de la oferta de banca básica y el peligro de que la entidad desaparezca de la noche a la mañana sin dejar rastro. Los depósitos en las EMIs no están cubiertos por el seguiro de depósitos de ninguna jurisdicción ni por el ECB. En un comienzo, hace unos años uno podía abrir una cuenta en algún país del báltico, recibir una tarjeta MasterCard en Euros y empezar a recibir pagos de manera instantánea luego de un onboarding básico de 5 minutos vía una App. Algunos proveedores inclusive ofrecen una dirección de Bitcoin a la cual, si uno envía BTC, es convertido automáticamente a depósitos en EUR a la cotización del momento del clearing de la transaccion. Suena too good to be true no? Bueno MasterCard y Visa también pensaron eso. En el 2018 cancelaron todas las tarjetas de los EMIs en Europa y renegociaron las licencias de emisión. Muchos proveedores de servicios financieros nunca emitieron tarjetas nuevamente y se dedicaron solo a cuentas virtuales. Los proveedores que sobrevivieron y encontraron su nicho se vieron en una situación grow or die. Pero como se puede crecer sin poder ofrecer más servicios bancarios, crypto estaba sufiendo un slump terrible… Ah si, licencias bancarias. Y así llegamos al presente, donde “we are not a bank” es una falacia y si, ya somos un banco. Tenemos una licencia, aseguramos tus depósitos y podemos ofrecer más servicios bancarios. El passporting de servicios está en toda su gloria, a costo de muchos de nuestros beneficios. La consecuencia principal? Todos los usuarios de riesgo, eliminados. Non-residents? Fuera, Gambling? Fuera, Crypto trading? Fuera… KYC más estricto(si se lo puede llamar asi), mayor escrutinio de transacciones, CRS, suspensiones de cuentas y otros detalles están a la orden del día. En la situación actual, siguen existiendo EMIs que hacen menos preguntas al costo de algunos Euros por mes. Donde podemos enviar y recibir fondos de un crypto Exchange o de TransferWise (a contrariedad deBruBank*… EJEM…*) y operar pagos de manera normal. No es un arreglo definitivo pero es de bajo costo y puede servir de “buffer” entre negocios que pueden atraer cierto escrutinio a nuestras cuentas en banco tradicionales. Obviamente esto es un arma de doble filo y afecta a todos los miembros de la cadena de la misma forma. En mi caso, tuve que hacer un “White listing” luego de un intercambio de emails con soporte, de cuentas en Lithuania en las Crypto Exchanges que uso porque no querían procesar mis depósitos y ponían todas mis transacciones on hold de manera indefinida. La explicación? “Too much fraud from those suppliers”. Esto dicho, para las instituciones que no son crypto friendly, esto puede ser la salvación. Un depósito de otra cuenta a tu nombre es mejor que un depósito a nombre de Kraken Payward o Bitstamp Limited. Las licencias bancarias son un gran desarrollo para el mundo fintech europeo, lamentablemente tiene un gran costo a nivel usuario. Hay muchos menos proveedores que ofrezcan servicio a no residentes. Los riesgos de los EMIs son reales, muchos han desaparecido sin dejar rastro, otros como WorldCore se vieron enrollados en lavado de dinero Ruso y cancelación masiva de sus tarjetas por parte de Visa y MasterCard Europe a punto tal que se vieron obligados a cerrar. WorldCore sigue en venta hoy día. SataBank un banco digital basado en Malta de capitales Bulgaros entro en administración para nunca más reaparecer. Otros tuvieron que reinventarse o separarse. PayMix se disolvió en dos compañías una para personas físicas y otra para personas legales. Ejemplos de este tipo existen por montones. Instituciones de interés
Globitex – UK/Lithuania https://globitex.com/euro-wallet Licencia: Crypto UK/Wallet EMI Lithuania Cuentas: Personal/Business Tarjeta: No. No residentes: Si. Detalle: Globitex es un crypto broker el cual simplifica el intercambio de crypto por fiat via el uso de un servicio de wallet (EMI) el cual posee un IBAN personalal y unico a nombre del UBO de la cuenta. El servicio tiene algunos costos sin embargo es una buena alternativa para ejecutar pagos via SEPA. En este momento 14 dias de trading sin costo, imagino que las operaciones de la cuenta si tienen costo, sin embargo desde que empezaron a ofrecer el servicio, los cargos por operar se han reducido substancialmente.
MisterTango – Lithuania https://www.mistertango.com/en/ Licencia: EMI Cuentas: Personal/Business Tarjeta: Temporalmente suspendidas. No residentes: Si. Detalle: Las cuentas funcionan, la mía personalmente desde hace más de 2 años. Existe integración a su propia exchange de crypto. Ofrecen servicios para traders de crypto y dirección de BTC con deposito a EUR instantáneo. Hay que tener en cuenta que la oferta de servicios en el pasado era muy superior. Incluía dirección de BTC, transferencias SWIFT, transferencias SEPA, tarjeta MasterCard Euro, acceso al Exchange, top up de la cuenta via tarjetas de debito/crédito y opción de una API para facturar. Hoy día está dividido en diferentes segmentos y el pricing varía según el paquete elegido, nacionalidad y residencia.
LeoPay – Bulgaria https://leopay.eu/ Licencia: EMI Cuentas: Personal/Business con preferencia a Estonian e-residents. Tarjeta: Si, debito Visa, con condición de dos tarjetas por cuenta o una tarjeta por currency. No residentes: Si. Detalle: Originalmente llamado LeuPay registrado en Malta de capitales Bulgaros. Usaban de backend SataBank, así que si leyeron lo anterior entenderán el cambio de nombre de la entidad. Cuentas multicurrency en EUR, USD, GBP, CHF, RON, HRK, JPY, BGN, PLN, CZK.
Paysera – Lituania https://www.paysera.lt/v2/lt-LT/index Licencia: EMI Cuentas: Personal/Business. Es posible obtener más de una cuenta por cliente. Tarjeta: Si, debito Visa. No residentes: Si.
PayMix Pro – Malta https://www.paymix.pro/ Licencia: Institución financiera Maltesa Cuentas: Business Tarjeta: Debito No residentes: Si.
Deutsche Handelsbank – Alemania https://www.handelsbank.com/en/bc/home-business-customers.html Licencia: Bancaria propia. Cuentas: Business. Es posible obtener más de una cuenta por cliente. Tarjeta: No. No residentes: Si. Detalle: Es un pequeño banco alemán que se especializan en cuentas únicamente para personas legales con licencia y backend bancario propio.
N26 – Alemania Licencia: Bancaria propia. Cuentas: Personal/Business Tarjetas: Debito/Crédito No residentes: No*. Detalle: No aceptan no-residentes en el Area economía europea, sin embargo si aceptan pasaporte Argentino y cualquier numero de móvil. El requerimiento es una dirección de correo en el Área Económica para recibir la tarjeta. (Chripre no es una opción para la dirección).
Revolut – Lithuania/UK https://www.revolut.com/ Licencia: Bancaria propia (UK) Cuentas: Personal/Business. Tarjeta: Si, variedad dependiendo del tier. No residentes: No* Detalle: Revolut evoluciono desde una licencia de EMI a una entidad con licencia bancaria. Siempre en las noticias por las razones equivocadas, han quedado atrás los días en los que la banca Lituana los decepcionaba. Lamentablemente los reportes de cuentas congeladas persisten y rehabilitarlas puede tardarse meses. Revoluto ofrece tarjetas con conversión de divisas usando el mid-market rate y sin FX conversion fee. Ofrecen crypto trade (CFDs) y muy recientemente una plataforma de inversiones. Si han leído mi post titulado Banca internacional #02 – United Kingdom, where it all began y repararon en el detalle de que la licencia bancaria es de Reino Unido, si, están en lo correcto. Esta entidad no puede técnicamente aceptar no-residentes si tiene una licencia bancaria ringfenced. Sin embargo, tal como es el caso con varias de alternativas, una dirección de correo dentro de Reino Unido o Europa suele bastarle a los clientes para hacerse de una cuenta. UPDATE: Recientemente Revolut agrego un setting muy interesante, la cual permite, una vez registrados como clientes cambiar la residencia fiscal. No hay muchos datos con respecto a qué efectos tiene sobre la cuenta más allá de una suspensión quasi instantánea. Sin embargo! Según la jurisdicción de residencia fiscal seleccionada, también nos puede dar como opción “Email us to [[email protected]](mailto:[email protected]) and let’s see what we can do.”
TransferWise https://transferwise.com/ Licencia: Money transfer (UK), EMI (Lithiania) Cuentas: Personal/Business y Borderless, 4 currencies GBP, EUR, NZD, AUD y condicionalmente USD. Tarjeta: Si, MasterCard para residentes del Area Economica Europea. No residentes: Si. Detalle: Conocido por casi todos hoy día, la aplicación de cabecera para remittances elegida por todos los millenials. No es la mejor sin embargo es la que tiene mejor publicidad y estrategia. Se sabe que hay clientes quienes han usado datos postales europeos para registrarse y han logrado recibir la tarjeta en condición de no residentes.
Disponibles fuera de sus países de registro en breve
Insha – Alemania con backing de Al Baraka (Turquía) https://www.getinsha.com/ Detalle: Primer banca islámica digital en Europa. Que esto no los detenga en ver el servicio que ofrecen. Dado los servicios que ofrecen (y la carencia de interés computado en depósitos) es una plataforma idea para banca Islámica.
Kontist – Alemania https://kontist.com/ Detalle: Banca digital para pequeños negocios o freelancers con implementación de contabilidad y taxación.
Tarjetas Algunos EMIs solo ofrecen tarjetas. En general son productos sub-prime y consecuentemente los fees son usureros. No voy a entrar en detalle sobre el ofrecimiento de servicios de estos proveedores, pero les dejo algunos por una cuestión de mera curiosidad y cobertura de alternativas.
Nota final Existen muchos servicios más de tipo pseudo bancario en Europa. Podría publicar un post infinito con 500 URLs y links a cada uno de ellos. Muchos con respaldo de Bancos centenarios y prácticamente todos con requerimiento de residencia en la Unión Europea. Si desean mas información, puedo hacer un post apartado. Pero más allá del landing page, no van a poder utilizar ningún servicio. Es más fácil abrir una cuenta en un banco normal para no residentes en Europa de manera personal que intentar circunventar la legislación y regulación pertinente a los bancos o EMIs digitales reservados para Europeos. Donations.
TkeyNet: release date, a brief analysis of the system, future plans
https://preview.redd.it/ayym7cl9c1b51.png?width=700&format=png&auto=webp&s=367792bdc6acdcc670345cf1d6e12865d681b21b During the development of the project, we published 3 documents about the technology that we are developing and preparing for the market. Some decisions were changed, but the main idea and goal remained the same — effective financial management. Since the ICO boom, several years have passed, blockchain and cryptocurrencies have become synonymous and are perceived only as a means of earning money and the obvious advantages of using the technology itself in combination with others are of little interest to anyone. A user, business representatives, or some government officials associate the word “blockchain” directly with cryptocurrency or Bitcoin, without thinking about using systems built on a distributed registry in the current reality. As we mentioned above, during the development of the project, several documents were published in which we announced our technology and clearly said that we are mixing modern concepts and approaching the market from an economic and scientific point of view, borrowing the best from Bitcoin, Ethereum, DASH, and other alternative currencies. It is important to note that the concept of Bitcoin or Monero will be different from the concept of TkeyNet. These are other areas and practical application that some market participants may perceive as similar, but this is far from the case.
The idea of Bitcoin is beautiful, even if it has not yet been accepted by society as planned, but at least the idea of using Bitcoin as a means of accumulating value and storing savings has a place to be. Bitcoin actively strives for a high price mark and dominates the market by more than 50%, and this is a great result. Bitcoin set the necessary vector for many developers around the world, people were able to review the systems used and make their own decisions based on the Bitcoin core, for example, DASH or Ethereum, and users, in turn, learned about such a phenomenon as cryptocurrency. In General, what was this introduction for? That TKEY should be considered as a universal asset, without defining it as a cryptocurrency. The question may immediately arise, why is this so? It doesn’t have explicit currency properties? Bitcoin also does not have the properties of cash but is called a cryptocurrency, and the types of applications of the peer-to-peer payment system Bitcoin and TkeyNet can differ significantly from each other. https://preview.redd.it/3qfe582cc1b51.png?width=700&format=png&auto=webp&s=406f3c93314c473f9b9c9512e543fa33c6211067 The purpose of this publication is to tell you about the new features of TkeyNet, when the official transition to the new Protocol will take place, and why TKEY is a universal asset that simply needs liquidity? In General, we will talk about the clear advantages of switching to new technologies that we have been striving for so long and about your benefits of using them accordingly.
What is TkeyNet, and what are its advantages?
TkeyNet is an infrastructure that combines various solutions for users, businesses, and the public sector. Secure corporate networks, payment processors, liquidity, cross-border payments, trading tools, information security, instant exchanges, investment tools. One platform — millions of opportunities. https://preview.redd.it/bwewihsdc1b51.png?width=700&format=png&auto=webp&s=4bfc1343b46a1eb51f0b972cac509cc1893f3fa4 When creating TkeyNet, we immediately turned to e-cash protocols, concepts of electronic currencies, considered the movements of Bank international transfers, and also drew attention to the obvious complexity of these systems. Therefore, to build a high-quality architecture of TkeyNet, the team took as a basis — blockchain technology, cryptography, payment and banking system, electronic cash protocols, exchanges, stock markets, DHT, and other p2p networks. Now more than ever, businesses, users, and most financial market participants need reliable and modern systems that will meet the needs of the market. For example, a user wants to quickly send funds to another user, and they do not want to think about how the blockchain works and who the “miners” are and what they do for the network. Any of us want to open the app and click a few buttons on the screen to pay for a particular service or send money to relatives abroad and the most importantly, know that the funds will reach you quickly and with a minimum Commission. Or let’s say you came to India, you have some funds in Bitcoin, but you would like to pay for your purchases in the local currency — the Indian rupee without extra conversions. You are the owner of a payment system or Bank, and you want to receive % for conversion transactions, or banks want to create their consortium for cross-border payments. Either you are an entrepreneur and plan to open an exchange or trading platform for trading various assets, not necessarily digital, but, for example, gold and diamonds, or you are a young and purposeful startup team and want to quickly launch your Digital Bank, or you do not want to do business, and you have several million euros or dollars, you want to get % of their use. https://preview.redd.it/hkv2xcpfc1b51.png?width=626&format=png&auto=webp&s=4ae497765a2d02b66046d5a112eb0dd4f1eeb0bc TkeyNet makes these features available to all participants. As we can see with you, there are quite a lot of use cases, and it may seem that TKEY is again torn into 100500 different directions, but this is far from the case. Here, a specific and clear direction is Finance and its movement.
How TkeyNet works
Remember, we said that — “to develop the platform on a global level, it is necessary to reach a consensus between government regulation, business, and society. We understand that it is impossible to achieve 100% of this, but it is possible to create favorable conditions favorable to all parties.” How will the system work? All participants are connected to the system using TkeyNet technology that allows the financial gateway to control their transactions with increased speed, transparency, and efficiency. Independent verification servers constantly compare their transaction records. To hack the system, you will need to get access to all the devices that are logged in. https://preview.redd.it/ltwgjrhhc1b51.png?width=700&format=png&auto=webp&s=413d03504eafa2b496cf99d837b6a2a1c9ba6818 TkeyNet solutions offer a cryptographically secure, end-to-end payment flow with the immutability of transactions and redundancy of information contained in them. It is developed to meet each financial gateway’s risk, privacy, and compliance requirements. Since the software is developed to be easily integrated into the existing financial infrastructure, it minimizes any integration costs and failures, and also meets international standards (ISO, etc.).
TkeyNet can be a neutral utility for financial institutions and systems
A gateway is an organization that allows users to invest money and take money out of a pool of liquidity. The gateway accepts currency deposits from users and issues balances to the TkeyNet blockchain. TkeyNet Protocol provides a single source of truth for counterparties while maintaining the confidentiality of payment data of Bank clients. TKEY is a universal bill (digital obligation) in the distributed registry TkeyNet. Gateways install specialized software for interacting with the distributed registry and other system participants. Users, brokers, and other participants interact with the system via mobile or web interfaces. Gateways act as a link between the distributed registry, brokers, users, and other services that allow you to make quick transactions. https://preview.redd.it/igdiw4tjc1b51.png?width=700&format=png&auto=webp&s=3a25f8f6b74a0cebf2450d05a7bf7c675547e624 The participants of the system make payments between themselves by using cryptographically signed transactions denominated in digital obligation. This type of transaction uses an internal registry. In the case of working with Fiat currency and other assets, such as securities and precious metals, the registry records the amounts owed with assets presented as debt obligations. All accounts and transactions are cryptographically secure and verified algorithmically. Payments can only be authorized by the account holder, and all payments are processed automatically, without any third parties or intermediaries. The TkeyNet Protocol checks balances and accounts inside the system for transferring payments and sends payment notifications with minimal delay, which ensures fast calculations in the system. For more specialized solutions can be created by the Central gateways and the gateways just. A Central gateway is an organization that allows users to invest money and take money out of the liquidity pool. Gateway is an organization that interacts with the Central gateway. Accepts and exchanges digital liabilities for other assets, such as securities. TkeyNet globally reduces the number of different expenses and automates operational tasks, simplifies and reduces the cost of conducting monetary transactions, and improves traditional financial services. We understand that it is not easy to tell all the principles of the TkeyNet system in a single publication, especially one that deals with neither one nor two issues. Therefore, you should consider this material as a basis, a base that will help you learn the information that is related to the TkeyNet Protocol most easily after the release of TkeyNet. Moving a little away from corporate solutions, we suggest you recall some theses from our roadmap, which was published on the official website in the period from September 2018 to November 2019:
As before, you can easily and quickly send TKEY to any member of the network and TKEY will have liquidity on the exchange also, TKEY allows you to fast exchange for euros, dollars, or other currencies. https://i.redd.it/qapkdnvoc1b51.gif For the interface, the applications will display functions of digital assets 1:1 to a particular currency, for example, TKEY to RUB, TKey to EUR, or TKEY to Dirhams or TKEY to the pound and vice versa, respectively. https://preview.redd.it/0ipx86fqc1b51.png?width=700&format=png&auto=webp&s=a406e9c0f181a5d0b1ecde347511954ba61bf433 Therefore, as we said above, TKEY should not be regarded as a cryptocurrency, it is a universal unit inside the system TkeyNet, which may refer to transaction information as exchanges of obligations between banks and transaction TKEY -> TKEY between users, or to carry information about the exchange on the exchange or the exchange of digital assets or gold variations quite a lot, for most of the functions we describe in the release day TkeyNet.
What are the advantages for companies and developers?
First of all, we strive to open the doors for all platform participants. Only through synergy and cooperation can we accelerate the pace of development of the entire system and the introduction of new technologies in the market. The platform will open doors for developers, who in turn can create technological solutions based on TkeyNet. A working environment will be created, and integration with the TkeyNet platform will be as easy as with the documented SDK or plug-ins. In the course of development, API documentation and ready-made SDKs for developers will be published. https://i.redd.it/31x1k7gsc1b51.gif This will make it easy to use and implement TkeyNet technology in various types of applications, for example, you want to create fast exchanges, we provide you with a framework, back-end, and API, and you create a front-end and launch your service, get your Commission, and are an independent project in the market. An important point is that integration into the existing infrastructure takes place while maintaining the decentralization of the TkeyNet system so that all its internal and external operations remain confidential and verified at the same time.
What are the advantages for users?
This means getting a universal tool for working with financial markets and easily converting an asset into any other asset: euro, dollars, or gold. https://preview.redd.it/ol4964huc1b51.png?width=626&format=png&auto=webp&s=7fedfc9009201cb8c392be3f214f285d003c0d95 Also, TKEY owners should clearly understand that the more the system develops and there are more participants, namely the corporate segment, projects, and partners, the company will be more stable and thus the project assets will grow stronger. The popularity of the platform and trust in it directly affects the price of assets, these are the key points of growth signs, the wider and more influential the spread of the company in various areas, the higher its performance in the market.
When will the long-awaited transition to TkeyNet take place?
What changes will be made to the products?
As you understand, everything will change, and this is for the better. At a minimum, products will become faster, lighter, safer, and more versatile. Changes and new releases will be released as soon as they are ready. In TkeySpace, the TKEY libraries will be rewritten under TkeyNet. A web version of the wallet will appear, and eventually, an application with an exchange interface will be released for quick trading and exchange of various assets, not limited to digital ones. The Tkey Messenger will be adapted for TkeyNet and will be released for previously announced platforms: iOS, Android, Linux, macOS, Windows immediately with the ability to translate directly in the messenger. We will tell you about the messenger architecture on the release day.
All changes and releases will be published and announced after the release of TkeyNet.
What is radically new in TkeyNet?
There will be funds, the Protocol will become much more universal, as well as the TKEY itself. The Protocol will also exclude the possibility of attacks that could have been in Core 1.0, also, the principles of the platform will change. We will publish all technical specifications on the day of release.
Timeline for switching to TkeyNet
The transition to TkeyNet will not take place until August 2020. We will release news and instructions for switching to TkeyNet, so we recommend that you subscribe to the newsletter immediately: https://tkeycoin.com/en/newslette.
Listing on crypto exchanges
The liquidity of the TKEY asset is urgently needed for the development of the entire TkeyNet system, so the company will provide trading platforms for TKey trading and exchange.
The introduction of technologies using digital currencies will create the fastest transition of users and the corporate market to a new level. FinTech direction makes it possible to manage finances in the most efficient and secure way, without violating the law. This system simplifies, reduces the cost of conducting monetary transactions, and actually improves traditional financial services. The solution is interesting to everyone who works with money and is used to getting maximum efficiency from it: business, investors, traders, users of banking solutions, the corporate segment, etc. When using the system, large businesses get solutions for interacting with customers online, without using specialized points. We, in turn, are open to various offers and cooperation on flexible terms. If you have any suggestions or interesting concepts, please contact us at [[email protected]](mailto:[email protected]).
Wife of Norwegian billionaire has been missing since Oct. 31st 2018. She is presumed kidnapped and/or killed. There was a ransom note left at the crime scene, demanding 9 million Euros in crypto currency. What happened to Anne-Elisabeth Hagen?
So.. I have been waiting for months for someone to write about this case here, and since no one has I suppose I’ll have to give it a shot. This is my first reddit post so mishaps are bound to happen, English is not my first language, apologies for any mistakes, etc… (is this a meme yet?) Edit: wow, holy crap! I didn't expect to be given gold! Thank you kind stranger! Edit: I have added more to the bottom of this post to clear up some confusion or add more important information that I missed the first time. Anne-Elisabeth Falkevik Hagen (68) is the wife of Norwegian billionaire Tom Hagen, an investor and co-founder of a company called Elkraft. They married young, only 19 years old, before Hagen made his fortune. Although Hagen is now one of Norway’s richest people, the 172nd richest according to financial magazine Kapital, he and his wife have seemingly led unassuming, quiet lives. From an outsiders perspective they seem like the kind of billionaires you could only hope to be if you ever found yourself in such financial luck, grounded and down to earth, living in the same house for almost 40 years, in a suburb of Oslo called Lørenskog. Tom drives a simple Citroën car. They are parents and grandparents. You would never look at them and think "ah, rich people!". Their house looks like any suburban Norwegian home, there’s nothing flashy or noteworthy about it. No extra security surrounding the area either. There are no gated communities in Norway, but there are still security measures one can take, and probably should take if you’re that rich, and the fact that they hadn’t might have been one of the reasons Anne-Elisabeth was targeted. This case reads more like a Hollywood movie than an actual crime case to me, because we don’t really have crime like this in Norway. The police kept the alleged kidnapping a secret until January 9th. Since then little pieces of information have come out or developments have happened in the case, but Anne-Elisabeth is still missing. The police now presumes she has been killed, perhaps even on the day she disappeared. Her family, who speaks to the media through their lawyer, still holds out hope that she might be alive. I’ll try to keep everything precise and easy to follow:
In the end of July 2018 Dagens Næringsliv (Norwegian newspaper specializing in business news) publish an article about Tom Hagen and how he had earned 174 million NOK the previous year. Police theorize that this might have kick-started this whole operation…
On October 31st Tom Hagen leaves for work around 09:00am. He arrives around 10-15 minutes later.
At 09:14am Anne-Elisabeth has a phone conversation with a family member (early reports said this conversation was with her husband Tom Hagen, but Norwegian media has since changed this to “family member”. Not sure why. If this phone conversation was indeed with Hagen, he must have just arrived at work). Anne-Elisabeth is alone with their new puppy in their house.
Only a short while later, at 09:48am electrician and neighbor Tommy Skansen calls Anne-Elisabeth's cell phone. A few weeks earlier she had asked him to switch out some light fixtures in her kitchen and he was calling about this. She doesn’t pick up. He finds it odd that she doesn’t answer, as this is unlike her. More people try calling her this day but the last anyone heard from her was at 9:14am where she either talked to her husband or some other family member. Like I said, it’s unclear who this person on the phone with her was.
01:30pm Tom Hagen arrives home from work, earlier than usual. He immediately notices something is off. Just inside the door there are numerous of Anne-Elisabeth’s belongings laying on a chair. There’s also a long letter, written in broken Norwegian. On the floor he finds a cable tie. The puppy is found locked up in a room.The letter is a ransom note, demanding 9 million Euros in crypto currency Monero. If he doesn’t pay up, a video of his wife being killed will be posted online. The ransom note also says the family is being watched, and his wife’s life is in danger should he contact the police. There are instructions on how to buy Monero included in the letter.
02:07pm Tom Hagen contacts the police in spite of the threats in the ransom note. The police meet with him secretly in a gas station shortly after.
November Because of the threats in the letter, the police can’t go out with any information regarding Anne-Elisabeth’s disappearance. They have to work very carefully and quietly in their home to secure evidence from the crime scene. KRIPOS (The National Criminal Investigation Service) and ØKOKRIM (National Authority for Investigation and Prosecution of Economic and Environmental Crime in Norway) get involved. The police finds traces of Anne-Elisabeths blood inside the house, as well as a shoe print. It is unclear whether or not the blood was from the day of the disappearance. The amount of blood found is reportedly “not unusual” because she lived there, which I take to mean it was very little. Tom Hagen continues to go to work, people describe him as unsociable and desolate during this period. Neighbors are told Anne-Elisabeth is “away”, and family members are kept in the dark as well. At the end of November family members are starting to feel like something is going on. Finally they find out that Anne-Elisabeth is missing, and there are talks of a kidnapping. No one is allowed to say anything. December The investigation is still top secret. January 9th The police finally allow the media to talk about the case. Norwegian media have known about it for a long time but have been told not to say anything yet. The apparent kidnapping is announced in a press conference after 10 weeks of utmost secrecy. A few days after the press conference, the police releases a video of the area around Tom Hagen's workplace. A man can be seen walking down the road next to Tom’s place of work at 7:36am on the morning of the crime. He then abruptly stops and turns around to walk back the same way from where he came. 24 minutes later, another man can be seen walking down the same way. He is passed by a cyclist, who has been identified. The two other men have never come forward. It has been theorised that these two men might have been a look-out of sorts. January 16th The family receives a new message from the person or people who claim to have Anne-Elisabeth. This message is recieved through crypto currency (bitcoin this time). I’m not quite sure how this works, but from what I’ve read it’s a difficult and insufficient way to communicate. January 27th The family again is in communication with the alleged kidnappers. Some people find it curious at this point that these alleged kidnappers have been unwilling to communicate with the family during the ten weeks of secrecy, but now that the world knows, they are willing to talk. Who is behind this, exactly? Professional criminals who saw an opportunity after the article in Dagens Næringsliv was published and they realised the man in question lives completely unprotected? A family member? Enemies of Tom Hagen? Could it be Tom himself? Who would want to hurt this woman? Rumours are spreading. February The police advice the family not to pay the ransom unless they receive evidence of Anne-Elisabeth’s well-being. This is stressed in every press conference, both in Norwegian and English. The family is hopeful that proof will now be provided, seeing as the alleged kidnappers are now willing to talk, albeit very little. However, they receive nothing. The police interviews a lot of people, including business partners of Tom’s. April After a long Norwegian winter, the police wants to search the lake right next to Tom and Anne-Elisabeth’s house. They employ a police dog specialized in search in water (the same dog who helped in the Kim Wall case). It’s unclear whether or not they actually find anything during this search. Certainly no body or anything like that. May The family decides to attempt contacting the alleged kidnappers themselves. They haven’t heard anything at all since January 27th. No evidence of Anne-Elisabeth’s well-being has been provided, and none is provided this time either. June The police officially changes their main hypothesis. They now believe Anne-Elisabeth was murdered, and not kidnapped for financial gain. They believe the ransom note as well as any evidence found in the house might have been staged to look like a kidnapping. More surprisingly, the police officially cancels any further search of the two men seen in the surveillance video outside of Tom Hagen’s work the morning of Anne-Elisabeth’s disappearance. They still have not been identified and it is unknown why the police now believes them not to be involved. July 8th The family lawyer Svein Holden receives an e-mail from the dark web. It is written in Norwegian, and the writing style suggests that it may have been written by the same person who penned the ransom note. According to Svein Holden this e-mail contains information that only a perpetrator would know. The message of this e-mail is as follows: in order to receive evidence of Anne-Elisabeth being alive, the family has to pay. It is again commented on by outsiders how odd it is that this message is received now, five months after the previous one, and right after the police changed their main hypothesis. Tom Hagen decides to pay 1.3 million Euros in crypto currency. He receives nothing in return. August The shoe print found at the crime scene is sent for analysis to police all over Europe. German police finds out that the print belongs to a shoe by the brand Sprox, and is in European size 45. It is sold in Norway at Sparkjøp. The police now requests help from the public, and everyone who have purchased these shoes in cash is encouraged to come forward. September The cable tie left at the crime scene has been analysed and has been found to be produced in China and sold in Norway at Biltema. Both Biltema and Sparkjøp are fairly common stores in Norway. October The police have now also analysed the paper the ransom note was written on and the envelope it came in. It was purchased at Clas Ohlson, another common store in Norway. All three stores tied to this case are located in Romerike, the district in which Tom and Anne-Elisabeth Hagen lives. It’s closing in on a year since Anne-Elisabeth disappeared without a trace. The entire country is awaiting answers. The 25th of October would have been Tom and Anne-Elisabeth’s Golden wedding anniversary. On Thursday the 31st, 365 days have passed since this all happened. But it is not a Halloween tale, it is real life. What happened to her? Where is she? Could she still be alive after all this time? Edited to add more information or clear up some confusing things:
Some people were wondering who the last person to see her alive besides her husband was. The night before the disappearance, Tom and Anne-Elisabeth were in Oslo with a couple of friends to see THE BOOK OF MORMON. They came home late. The show ended at 10:30pm and they had to drive home to Lørenskog. According to Google Maps, the drive from The Norwegian Theater, which is were the show was, to Lørenskog is 22 minutes. These friends are the last ones to see her alive besides Tom (and a possible perpetrator).
When neighbors found out that Anne-Elisabeth was possibly kidnapped one of them came forward with information about a grey/silver SUV. He describes a car taking a “weird shortcut” over a patch of grass towards Tom and Anne-Elisabeth’s house on the morning of her disappearance. It was the police’s main hypothesis for a while that she had been kidnapped in this car. Since then they’ve changed their hypothesis but this car could still be interesting! Can’t believe I forgot to add this piece of information!!!
The police has DNA on file, it is unknown whether or not this is a partial or full DNA profile. One man described as a witness was asked to deliver a sample. They have requested this from many people, presumably also Tom. The man described as a witness was also checked against the shoe print. As far as I can tell he’s been compliant. He had been inside their home. Possibly a colleague, friend or a neighbor.
Some confusion about the use of the word BILLIONAIRE. It is true that Tom Hagen would not be considered a billionaire when you convert his money to USD. However, Tom Hagen is a Norwegian Milliardær and Milliardær is the Norwegian word for Billionaire. Being a Billionaire means having at least one billion units of a currency, in this case this currency is Norwegian Kroner (NOK). See this link for more. International media as well as Norwegian media writing in English have also used the word billionaire in their articles about the case. I’m not saying Tom Hagen is the Norwegian Bill Gates, but I’m saying he’s rich. Hope that clears things up.
One user is posting comments saying that they are from the area and there are rumours about Tom Hagen being involved with someone else. While this is very juicy information and a huge motive for a possible killing, please take this information with a grain of salt as there is no official reports on this and village rumours could be untrue anyway. If this is true the police already knows about it, and it is likely the media is also privy to this information and are choosing to withhold it by request from the Police.
Some confusion about this phone call the morning of the disappearance as well. The police does know who Anne-Elisabeth spoke to that morning, the public, however, does not. Early reports said that this person was Tom, her husband, but this has since been changed to “family member”. It is unclear why this is, it could be that the first information was wrong and they had to correct themselves, or it could be that the police would prefer this information to stay secret. Of course, nothing is deleted on the internet and you can still find articles in Norwegian saying the person on the phone was Tom.
Continuing from that: Norwegian media is very good at respecting the Police and should they request this from them, the media would comply. This is why I believe it’s possible that they are hiding information about a possible motive on the husband’s part. They have no interest in ruining police work. The media is generally well regarded in Norway and have ethical guidelines to follow.
A lof of questions about "why didn't he just pay the ransom?" "he must be the perpetrator or he would've paid the ransom immediately!"Well, no. It's not that simple. In a ransom case like this one, police STRONGLY advise against paying. If you pay, you have nothing left to negotiate with. If Anne-Elisabeth was even still alive at this point, what's to say they'll let her go once the ransom has been paid? It has been implied by the family lawyer that the family would've been willing to pay if the alleged kidnappers showed them evidence of Anne-Elisabeth being alive, in form of photos or a video or something to that effect. It's a risky move, paying a ransom. On one hand, you're worried about your family member and you want them back and you'd be willing to pay anything in order to do so, on the other hand, you're scared what might happen once you pay. There's no easy way to deal with a situation like this.
Hi everyone, just a quick question regarding exchange rates
It's a slightly complicated issue so bare with me. Basically, my sister lives in the UK and I live in Italy. Back in January, she lent me €1885 (which was £1600 for her, she did an international transfer into my italian bank account), and I've been working on paying it back in euros, a little bit every month. Today I finally finished paying her the total in euros, but because of the depreciation of the value of the pound, she calculated that she has only received £1300 from me since January, so she believes I owe her another £300. I'm happy to give her the extra money, she's my sister and I feel like I've ripped her off in a way, but I was just wondering if there is some sort of protocol for this? Because if I pay her back the extra £300, I'll have paid her more like €2200 on the original loan. I guess you could say that's an interest payment. Anyway I was just wondering what y'all thoughts were on this.
The following questions were asked in our Telegram:t.me/ptokens Q: What is the minimum amount of BTC that can be deposited into the pTokens DApp? A: The bare minimum that can be pegged in/out is currently 0.00005 btc. Q: I have BTC now. How do I get pBTC? A: You can deposit your BTC and mint the correspondent amount of pBTC via the pTokens dApp: https://dapp.ptokens.io Or you can exchange another erc20 token for pBTC on Kyber and Bancor. You can also swap through Paraswap, 1inchExchange, or Eidoo Wallet, MyEtherWallet, Trust Wallet, and Argent, all of which offer interfaces to these platforms. Q: Are you listed on exchanges yet? A: Yes. You can find pBTC on Kyber, Bancor, Uniswap V2, and soon to be Bitfinex. Q: Which pBTC pair has the highest liquidity on Kyberswap? A: All Kyber reserves are against ETH and so the pair with liquidity is pBTC/ETH. But Kyber auto-routes any other reserves as needed in case you want to exchange pBTC against something different than ETH. Q: Why should I buy pBTC on an exchange when I can peg in and peg out on my own in the DApp? A: Users may buy pBTC on exchanges for interoperability with other DeFi platforms or for convenience in case they prefer to stay on Ethereum. Though, as mentioned, you can easily peg in/out with no fee and zero slippage from the ptokens DApp (for example withdrawing btc straight from an exchange to your peg-in address). Q: Do I have to generate a new address for each transaction in the pTokens DApp? What happens if I send my BTC to an old generated address. A: Old addresses can safely be reused but keep in mind that they are 1:1 linked to the Eth address you have specified when generating them. So any deposit to that BTC pegin address will always result in the issuance of pBTC on the specific ETH address. Q: How do you pay network fees for BTC? A: We subsidize that cost during the current phase0, In phase1 the fee will be chosen by the DAO and enforced by validators (the fee will be distributed among them as a reward for their work). At that point you can expect the fee to be similar to the ones applied by competing projects, which is normally between 0.1 and 0.2% (conceptually similar to the "trading fee" being applied by exchanges). Q: How many nodes will there be? A: This will be different in phase1 and phase2. Specifically, phase1 will be focused on introducing a network, therefore moving the system from a single node to multiple nodes. At this stage there will be a limited number of validators. The next upgrade (phase2) will be focused on making the network permissionless, expanding the number of validators and enabling anyone to join. Q: What will the governance tokens be able to govern? A: The governance token will be used to vote on a variety of improvement proposals. For example, which pTokens bridges to develop, how to implement fees, and other improvements for the system. We have not decided on a specific set of topics the community will contribute to, but we anticipate this will evolve over time based on what the DAO wants. Q: What's the business model for pTokens? is the plan to generate revenue by being liquidity providers on Uniswap, Kyber, Bancor, etc. for all the pTokens users will mint? A: The validators get rewarded with the peg-in/peg-out fees (the DAO will be in charge of potentially changing that fee so that the p.Network can balance the incentives for the validators best. Q: Will Provable be creating all the token bridges for assets from various chains or is there a way for anyone to create a bridge and have it hooked into your system? A: There will be a DAO where everyone will be able to vote and decide what bridges should be started by validators. In phase0, Provable has significant control over the system, while from phase1 on, the development team gives up governance choices to the DAO and validation gets taken over by the pNetwork. Q: Would it be possible to transfer pBTC (ETH) <> pBTC (EOS) and not have to withdraw/deposit into BTC during this process? A: Yes, that is possible. In the background the system would go through BTC, but you as a user wouldn’t see it because of the feature automating it. This is useful if you want to arbitrage across EOS and ETH DEXs. Q: How are BTC transaction fees handled when transferring pBTC between Ethereum and EOS networks? Are costs translated to the users? A: Because the BTC is not transacted on the Bitcoin blockchain, you don’t have to pay network fees on Bitcoin. When you peg in or out for pBTC you are just un-wrapping the asset from its EOS tokenized form and wrapping it in its ETH tokenized form (and vice versa). Q: How do I know you won’t shut down your project similar to how tBTC did? A: Keep Network paused its tBTC system after two days after detecting a bug. pBTC on Ethereum has been live for over three months. If there is ever a security issue that requires pTokens to be suspended we will intervene, but we are committed to keeping it running safely. From phase1, the running of the network will not be under our control so risk of availability will go down significantly. We’re currently in phase0, so please keep in mind that you should proceed with caution while the system isn't decentralized yet. Q: Can you explain Oraclize and Provable’s relationship? A: Oraclize (now rebranded into Provable) is a different project on which Provable Things has worked on. It is still operating and is currently being used in production by hundreds of smart contracts on the Ethereum mainnet every month (and if you look on github, thousands of open source public repositories have integrations with the Oraclize oracle service). It is also being used in production on EOS and other chains. The Provable team bootstrapped pTokens. Q: Can you explain how I can get pBTC to fiat? A: If you’re in the US, you can try an off-ramp to USD from Coinbase. Visit Kyber or your preferred Dex Aggregator (1inchexchange, or Dex ag) to trade your pBTC to USDT then in Binance (or your preferred Dex aggregator) trade USDT to USDC. Once you have USDC, you can sell it for USD on Coinbase. If you're in the EU or UK, you can work through the transaction flow above, and end with a wallet that supports a fiat off-ramp to Euros or British Pounds. Eidoo Wallet, for example, supports conversions of DAI, USDT, or USDC to Euros.
So, I have some BTC in my Revolut account, along with some cash. Recently I noticed that my BTC balance had dropped but I had no idea how or why. Well, it turns out I had made a purchase and my cash balance was 5 Euro short, so they took the whole sum in Bitcoin at the conversion at that time. They didn't even zero out my cash balance first. Thankfully, this wasn't a large sum but still I had no warning, I feel, that this might happen. The advised route is to "deactivate" your BTC account which will freeze outgoing transactions but allow incoming.
Weekly Update: 1 Million ParJar Tips, Fantom.finance, SelfKey Mobile Wallet, Sentivate Social... – 6 Mar - 12 Mar'20
As Coronavirus (COVID-19) wreaks havoc across the world, we hope that Parachuters are safe, at home and healthy. This has been a difficult few months for everyone. But we will get over it. So let’s spread some good vibes with an update filled with awesome news from the Parachuteverse. Here’s your week at Parachute + partners (6 Mar - 12 Mar'20): Starting off with a biggie. This week we crossed 1 million ParJar tips with a grand party in the Tiproom that left heads spinning and massive hangover. Haha! Click here for a sneak peek into the madness. Those who missed the party, woke up to 30k+ messages. And that happened within a couple of hours only. Wild! If that wasn’t enough, the TTR crew followed it up with a tiproom tipbattle with 6 teams (10 members each) fighting it out. Click here for the team lineups and rules. What ensued was a whirlwind comprising 80k+ tips. Double wild! LordHades shared the latest #FPL update according to which Novelcloud has now crossed LH to take second position. Alexis continues to be on top. If you’re already on BAGS token’s Dirty Bags platform, don’t forget to check out the Parachute posts over there. If you’re not on it yet, there’s $BAGS prizes for Parachuters who sign up. Bose’s random trivia in TTR got folks scratching their heads for answers. A Gian food pic after ages. Though not cooked by him. Peruvian chicken. Yum! Alejandro hosted a free-for-all CoD flash game in the Parachute War Zone followed by a battle royale. Congratulations to Clinton for being awarded the Bronze Seal of Transparency for his charity. GamrB0y’s trivia in TTR this week was based on science. Victor hosted a TTR quiz themed on MetaHumans. Charlotte’s math trivia was uber fun as always. Jobchain crew sponsored 750k $JOB as prizes for a round Robot Rise in the ParJar Gaming channel. Cap held a flash Parena this week. If you haven’t been keeping a tab on Parachute, you just missed on scoring some sweet $PAR. Like Achilleas almost did with his top prize. He won the finale but wasn't around to claim his 1st prize. So Bose snagged the winner’s spoils. But Cap being Cap made sure he didn’t miss out either. For Two-for-Tuesday this week, Gian got Parachuters to post music videos "featuring bands or songs that have a food or drink in their name". Like always, Sebastian was kind enough to compile a playlist with everyone’s posts. A flurry of beta testing activities related to Transak (fiat on/off ramp for ParJar) and swapping flung into action this week. For this week's #wholesomewed, Jason asked Parachuters "to draw a fierce non-existant creature that you would like as your champion in a parena". What an amazing view Alexis! In this week’s educational posts from aXpire, COO Matthew Markham wrote about the state of the legal tech market, the E-Billing industry, why legal billing software matters and artificial intelligence in law firm software. For the latest update video, click here. Still not sure what aXpire is all about? Check out their token overview and business presentation. The weekly 20k $AXPR token burn went ahead as per schedule. Insights from 2gether’s consumer report were published in a Cointelegraph article exploring women’s usage behaviour in crypto. For the full report on female users, click here. Euro deposits on the platform were briefly paused and subsequently restored because of a third party dependency. Upgrades were made to the $BTC transfer mechanism as well. But a high traffic issue led to a temporary stoppage of the crypto purchase feature. Birdchain released its 2 year roadmap. Few weeks back, we shared news of $BIRD being listed on Probit. CEO Joao Martins talked more about it in his video podcast this week. Probit also started a stake and earn event for $BIRD holders. Ethos’ parent company Voyager is now a sponsor of Scott Melker’s (The Wolf of All Streets) new podcast. For the latest Switch update, click here. Fantom announced the pre-launch of Fantom.finance which will be an end-to-end DeFi suite of products. The project has been killing it on its socials. Want to see proof? Check out the social metric graph mapped by LunarCRUSH. Michael made a weekly update video to catch up on all the latest news. Click here to read the latest technical update. Fantom also announced its involvement in Fusion Protocol’s decentralised custodian solution DCRM Alliance. Interesting insights from 2gether’s female crypto users report The new XIO website layout and a new set of article were released this week. Zachary did a deep dive into the new stuff with a 40 minute video. For this week’s #XIOSocial discussions, Citizens talked about underrated qualities of successful entrepreneurs and about progressive decentralisation. DigiByte joined Uptrennd this week with their own community on the platform. Uptrennd crew marked the occasion with a cool giveaway. Looking to join the team? Don’t forget to apply for the open positions. How has the platform been fairing in the last 3 months vis-à-vis other platforms? Check out the numbers. Plus, congrats on crossing 70k members. YouTuber Chico Crypto joined Uptrennd this week. District0x’s weekly update covers news such as the new District Designer, latest Dapp Digest etc. Meme Factory launched a new contest. Hydro integrated Plaid’s account verification and aggregation services to its platform this week. This was followed by additional integrations with KYC provider Onfido and financial data provider MX. Silent Notary crew has created a new fund for pursuing IDL’s listing opportunities. Looking for human connections during the Coronavirus lockdown? OST’s Pepo app now has a dedicated community channel for this. SelfKey’s Mobile Wallet was launched this week. CoinLoan joined SelfKey’s crypto lending marketplace. Moreover, crypto exchange Bitkub was added to the exchange marketplace. Plus, the team compiled a list of data breaches at Facebook. The new Crowdstaking graphic explains how it is different from crowdfunding Realtime market widgets and downloads page were added to the Sentivate social site this week along with a ton of other upgrades. The beta test of the platform has also been a success on Windows and Mac. The browser build is ongoing with a naming contest to begin soon. If you have been keeping your eyes open, BAGS crew have been hosting some fun quizzes in the Dirty Bags channel for $BAGS prizes. Make sure to have a look when you have a moment. Last year, around this time, Pynk won the startup pitch competition at Wolves Summit. This week, CEO Seth Ward and COO Rupert Barksfield shared 8 tips for aspirants. The community also discussed about Facebook’s Libra Alliance this week. CyberFM started a special playlist on the Spotlight Channel to celebrate Women’s History Month. Harmony showcased its transaction speed and fees compared to Ethereum through a video demo. Plus, a fast finality demonstration. Click here to read last week’s #pow thread. If you would rather watch the video update, click here. Founder Stephen Tse shared some more updates over live videos (1, 2, 3, 4). And kudos for being the most active project on GitHub last week. The crew sat down with Vite Labs for a community AMA. The roadmap towards launching Open Staking was published. It is currently in the second phase out of four phases. Testers and hackers were welcomed to participate in Stake Heist - try and break the open staking design on the Pangaea testnet for 10M $ONE tokens in prizes. The Sentivate social site community dashboard looks fresh! Intellishare founder Raymond Xiong will sit down for a community AMA next week. Folks who sent in questions could win 50 $INE tokens as well. GET Protocol’s GUTS Tickets featured in a list of recommended portals for safe ticket purchases by the Netherlands’ Police. As part of its ticketing transparency standards documentation series, developer Kasper Keunen wrote about nodes this week. The $COTI conversion bridge has been reopened with some limits to ensure fair chance for everyone looking to convert from mainnet to ERC20/BEP2 tokens. For the latest newsletter, click here. The new COTI explorer was released as well. Apart from simple wallet-to-wallet transactions, it also tracks merchant txns, bridge txns etc. The dev team also released a detailed article explaining its multi-currency (MultiDAG) framework. For the token deployment demo, click here. And with that, it’s a close for this week in Parachute! See you again soon. Bye!
The current Bitcoin Cash to Euro exchange rate is 193.75.The price is calculated based on rates on 118 exchanges and is updated live every few seconds. To see the latest exchange rate and see Bitcoin Cash historical prices, head over to the Bitcoin Cash page. Instant free online tool for BTC to EUR conversion or vice versa. The BTC [Bitcoin] to EUR [Euro] conversion table and conversion steps are also listed. Also, explore tools to convert BTC or EUR to other currency units or learn more about currency conversions. Bitcoin to Euro Conversion Last updated: 2020-09-28 22:24 UTC All figures are live mid-market rates, which are not available to consumers and are for informational purposes only. Bitcoin (BTC) to Euro (EUR) currency exchange rates How many Bitcoin is a Euro? One BTC is 9,234.9360 EUR and one EUR is 0.0001 BTC. This information was last updated on September 30, 2020 at 12:05 AM CET. Bitcoin Price (BTC / EUR). Price chart, trade volume, market cap, and more. Discover new cryptocurrencies to add to your portfolio.
How to buy bitcoin with Euros using Bisq - YouTube
Bitcoin Up.Com, Bitcoin Valuta Euro - http://100peach.com/BitcoinUp I mercati si muovono rapidamente. Non perdere l'occasione di approfittare degli ultimi au... Get Bisq: https://bisq.network/downloads Forum: https://bisq.community Slack: https://bisq.network/slack-invite This quick tutorial shows you how to convert your bitcoin into GBP in the coinbase back office and then to withdraw that money to your bank account. If you d... So verkaufen Sie Ihre Bitcoins auf Bitcoin.de und richten eine Ordner auf dem Marktplatz ein. Bitcoin verkopen voor euro of dollars? In deze video laat ik twee manieren zien hoe je Bitcoins kunt omwisselen voor euro's. https://www.binance.com/en/regis...