The financial applications of Blockchain technology range from cryptocurrencies and ICOs to payment systems and financial instruments. We can see ICOs becoming the new IPOs for businesses and startups. Blockchain enables the businesses to lower costs by simplifying the processes highlighted in this research.
Whether you are planning for establishing a white label crypto exchange software development company or a centralized trading development in the Middle East, you must know about compliance and taxation outlook in this region. This article will give you a better understanding of legal regulation and taxation in the Middle East.
The European Union is the second-largest economy across the globe. It is right behind famous Asian countries like South Korea and Japan in terms of Cryptocurrency investment. If you want to invest in centralized trading solutions or centralized crypto exchange platform, you must have a good understanding of legal compliance and taxation outlook of the EU.
BTCS Inc. (âBTCSâ) is an early mover in the blockchain and digital currency ecosystems and the only âPure Playâ U.S. public company focused on blockchain technologies. The blockchain is a decentralized public ledger and has the ability to fundamentally impact all industries on a global basis that rely on or utilize record keeping and require trust. BTCS secures the blockchain through its rapidly growing transaction verification services business and plans to build a broader ecosystem to capitalize on opportunities in this fast growing industry. BTCS continues to evaluate and build additional blockchain technology consumer solutions. BTCS also actively partners and integrates with strategic digital currency and blockchain technology companies who provide products or services that are complementary to its business strategy.
Whether you are planning for establishing a white label crypto exchange software development company or a centralized trading development in the Middle East, you must know about compliance and taxation outlook in this region. This article will give you a better understanding of legal regulation and taxation in the Middle East.
The European Union is the second-largest economy across the globe. It is right behind famous Asian countries like South Korea and Japan in terms of Cryptocurrency investment. If you want to invest in centralized trading solutions or centralized crypto exchange platform, you must have a good understanding of legal compliance and taxation outlook of the EU.
BTCS Inc. (âBTCSâ) is an early mover in the blockchain and digital currency ecosystems and the only âPure Playâ U.S. public company focused on blockchain technologies. The blockchain is a decentralized public ledger and has the ability to fundamentally impact all industries on a global basis that rely on or utilize record keeping and require trust. BTCS secures the blockchain through its rapidly growing transaction verification services business and plans to build a broader ecosystem to capitalize on opportunities in this fast growing industry. BTCS continues to evaluate and build additional blockchain technology consumer solutions. BTCS also actively partners and integrates with strategic digital currency and blockchain technology companies who provide products or services that are complementary to its business strategy.
ICO Pitchnight #1 by Catena Capital & Herdius and friendsBalazs Deme
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The first ICO Pitchnight organized by Catena Capital and Herdius. Advice and learnings on already having done an ICO by Bricklock, on having already done an ICO in Germany by Herdius and planning on one by KYC solution Fractal.
At CoinShares, we believe it's critical to define, analyze, and disseminate data to tell the story of why this industry matters and how it might impact industries, markets, and the broader world.
As investors, we take this one step further and use this data, our insights, and our expertise to identify who, where, and when this change might happen.
This report describes the macro environment, trends, and companies that are driving the space, and provides an outlook for the broader crypto ecosystem.
Coin token ico really only have one utilityâââto act as simple stores of value with limited-to-no other functionality. By âsimpleâ value, I mean value not represented or manifested through a variety of dynamic functions. Tokens are a completely different breed all together. They can store complex, multi-faceted levels of value. Forget everything you know about bitcoin and pre-mined coins and that entire ilk of tech, Ethereum tokens are generated by a Smart Contract System (SCS), are highly programmable and have multi-functionality because of it. They transcend being just a coin, and through their array of functions become something much moreââââtokensâ. Technically, they are not âofferedâ, they are âgeneratedâ. Probably the most accurate phrase of whatâs going on during an Ethereum token launch is to describe it as a âToken Generation Eventâ, but Iâm not sure TGE has the same flare as ICO. Nevertheless, a coin does one thing, and a token can do many things
Introduction to the Blockchain - August 28, 2018Peter Johnson
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Attached please find an introduction to the blockchain delivered as a presentation on August 28, 2018 at Universidad Francisco Gavidia. A recording of the presentation will follow, which will be in Spanish.
The Pitch Deck (version 2) for Eliconn - a blockchain technology and fintech-approached company which provides services for Supply Chain Finance (SCF) in multiple areas.
An overview of what is happening. Content: ICO market review, Tokens and products, Industry review of ICO campaigns, ICO geography, Post-ICO performance, Token sale structure. Source: ICOrating
By examining digital currency, we aim to better understand
the impact it can have on the broader payments ecosystem.
While the concept of digital currency was introduced more
than a decade ago, recent developments have accelerated
its adoption, such as the emergence of fat-backed digital
currencies known as âstablecoinsâ; a growing community
of developers building applications on top of blockchain based networks; and rising interest among central banks to
introduce sovereign digital currencies.
What is happening with the Crypto Market. Could it be than course correction or is the bubble busting on the market? You need to answer it for yourself.
This paper aims to provide a foundation for anyone looking to understand the potential of digital assets such as crypto currencies as a future asset class.
Investing in Cryptocurrency.
Bitcoin is back in the headlines after a three-year respite. Itâs discussed on CNBC
daily, and political figures, financial gurus and regulatory officials are repeatedly
asked for their opinion. At this point, much attention has been focused on what
Bitcoin is and how it works, but that in some ways, is the easy part. Assuming the
underlying blockchain technology works, is Bitcoin or any other of the
cryptocurrencies something investors should consider for their portfolios? Thatâs
the more difficult question.
ICO Pitchnight #1 by Catena Capital & Herdius and friendsBalazs Deme
Â
The first ICO Pitchnight organized by Catena Capital and Herdius. Advice and learnings on already having done an ICO by Bricklock, on having already done an ICO in Germany by Herdius and planning on one by KYC solution Fractal.
At CoinShares, we believe it's critical to define, analyze, and disseminate data to tell the story of why this industry matters and how it might impact industries, markets, and the broader world.
As investors, we take this one step further and use this data, our insights, and our expertise to identify who, where, and when this change might happen.
This report describes the macro environment, trends, and companies that are driving the space, and provides an outlook for the broader crypto ecosystem.
Coin token ico really only have one utilityâââto act as simple stores of value with limited-to-no other functionality. By âsimpleâ value, I mean value not represented or manifested through a variety of dynamic functions. Tokens are a completely different breed all together. They can store complex, multi-faceted levels of value. Forget everything you know about bitcoin and pre-mined coins and that entire ilk of tech, Ethereum tokens are generated by a Smart Contract System (SCS), are highly programmable and have multi-functionality because of it. They transcend being just a coin, and through their array of functions become something much moreââââtokensâ. Technically, they are not âofferedâ, they are âgeneratedâ. Probably the most accurate phrase of whatâs going on during an Ethereum token launch is to describe it as a âToken Generation Eventâ, but Iâm not sure TGE has the same flare as ICO. Nevertheless, a coin does one thing, and a token can do many things
Introduction to the Blockchain - August 28, 2018Peter Johnson
Â
Attached please find an introduction to the blockchain delivered as a presentation on August 28, 2018 at Universidad Francisco Gavidia. A recording of the presentation will follow, which will be in Spanish.
The Pitch Deck (version 2) for Eliconn - a blockchain technology and fintech-approached company which provides services for Supply Chain Finance (SCF) in multiple areas.
An overview of what is happening. Content: ICO market review, Tokens and products, Industry review of ICO campaigns, ICO geography, Post-ICO performance, Token sale structure. Source: ICOrating
By examining digital currency, we aim to better understand
the impact it can have on the broader payments ecosystem.
While the concept of digital currency was introduced more
than a decade ago, recent developments have accelerated
its adoption, such as the emergence of fat-backed digital
currencies known as âstablecoinsâ; a growing community
of developers building applications on top of blockchain based networks; and rising interest among central banks to
introduce sovereign digital currencies.
What is happening with the Crypto Market. Could it be than course correction or is the bubble busting on the market? You need to answer it for yourself.
This paper aims to provide a foundation for anyone looking to understand the potential of digital assets such as crypto currencies as a future asset class.
Investing in Cryptocurrency.
Bitcoin is back in the headlines after a three-year respite. Itâs discussed on CNBC
daily, and political figures, financial gurus and regulatory officials are repeatedly
asked for their opinion. At this point, much attention has been focused on what
Bitcoin is and how it works, but that in some ways, is the easy part. Assuming the
underlying blockchain technology works, is Bitcoin or any other of the
cryptocurrencies something investors should consider for their portfolios? Thatâs
the more difficult question.
Naos Blockchain presents this report with the following objectives:
1. Describe the evolution of the crypto market and give a
comprehensive summary of the current market situation.
2. Provide detailed information regarding major factors
influencing the market. Drivers, restraints, opportunities,
and challenges.
3. Present the outlook as perceived by the NAOS Team.
This report was created at the beginning of 2019, therefore all data up to February 2019 is historical data, with the base
year for calculations being 2018.
Impact of cryptocurrency on Economy - India and Global. This has been taken from several online sources. References mentioned at the end of the article. A cryptocurrency is digital money in an electronic payment system in which payments are validated by a decentralized network of system users and cryptographic protocols instead of by a centralized intermediary (such as a bank).
Money serves three interrelated economic functions: it is a medium of exchange, a unit of account, and a store of value. Without it, people would have to engage in a barter economy, wherein people trade goods and services for other goods and services.
There are speculations on whether cryptocurrency will be more efficient and secure than existing money systems or if it can effectively act as money and achieve widespread use. However, that is the not primary focus of the article.
http://pwc.to/1fsT9Uu
Le Bitcoin est une monnaie numĂŠrique peer-to-peer qui connait un essor mondial. En 2013, le Bitcoin a obtenu 3,4 millions de mentions sur internet. Aux Ătats-Unis, plusieurs petites et grandes entreprises du divertissement, des mĂŠdias et des tĂŠlĂŠcommunications ont entrepris des expĂŠriences avec cette nouvelle monnaie. PwC a donc menĂŠ une enquĂŞte auprès des consommateurs en ligne pour recueillir des informations sur la sensibilisation, les attitudes et les comportements liĂŠs au Bitcoin.
In the midst of an uncertain situation, DEX volume hit an ATH and Bitcoin's non-correlation comes into question. View IDEX's latest quarterly report for a summary of Q1 2020.
Safe way in investment through the digital platform Ery Hw
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This slides cover about the investment that could be done using digital platform especially in Indonesia context. It cover from common investment instruments and also new digital investment just like Blockchain and Crypto Assets.
DISCLAIMER : All investment strategies and investments involve risk of loss. Nothing contained in this presentation should be construed as investment advice. Any reference to an investment's past or potential performance is not, and should not be construed as, a recommendation or as a guarantee of any specific outcome or profit
REPRINT H03HJKPUBLISHED ON HBR.ORGMARCH 01, 2017ARTICL.docxkellet1
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REPRINT H03HJK
PUBLISHED ON HBR.ORG
MARCH 01, 2017
ARTICLE
FINANCIAL MARKETS
How Blockchain Is
Changing Finance
by Alex Tapscott and Don Tapscott
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This document is authorized for educator review use only by Dana Leland, Ottawa University until May 2020. Copying or posting is an infringement of copyright.
[email protected] or 617.783.7860
FINANCIAL MARKETS
How Blockchain Is
Changing Finance
by Alex Tapscott and Don Tapscott
MARCH 01, 2017
Our global financial system moves trillions of dollars a day and serves billions of people. But the
system is rife with problems, adding cost through fees and delays, creating friction through
redundant and onerous paperwork, and opening up opportunities for fraud and crime. To wit, 45% of
financial intermediaries, such as payment networks, stock exchanges, and money transfer services,
suffer from economic crime every year; the number is 37% for the entire economy, and only 20% and
27% for the professional services and technology sectors, respectively. Itâs no small wonder that
regulatory costs continue to climb and remain a top concern for bankers. This all adds cost, with
consumers ultimately bearing the burden.
2COPYRIGHT Š 2017 HARVARD BUSINESS SCHOOL PUBLISHING CORPORATION. ALL RIGHTS RESERVED.
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This document is authorized for educator review use only by Dana Leland, Ottawa University until May 2020. Copying or posting is an infringement of copyright.
[email protected] or 617.783.7860
https://www.pwc.com/gx/en/financial-services/publications/assets/pwc-gecs-2014-threats-to-the-financial-services-sector.pdf
https://www.pwc.com/gx/en/financial-services/publications/assets/pwc-gecs-2014-threats-to-the-financial-services-sector.pdf
http://www.forbes.com/sites/dinamedland/2015/06/28/cost-of-regulation-top-concern-for-financial-services/#2238d69078b4
It begs the question: Why is our financial system so inefficient? First, because itâs antiquated, a
kludge of industrial technologies and paper-based processes dressed up in a digital wrapper. Second,
because itâs centralized, which makes it resistant to change and vulnerable to systems failures and
attacks. Third, itâs exclusionary, denying billions of people access to basic financial tools. Bankers
have largely dodged the sort of creative destruction that, while messy, is critical to economic vitality
and progress. But the solution to this innovation logjam has emerged: blockchain.
How Blockchain Works
Here are five basic principles underlying the technology.
1. Distributed Database
Each party on a blockchain has access to the entire database and its complete history. No
single party controls the data or the information. Every party can verify the records of its
transaction partners directly, without an intermediary.
2. Peer-to-Peer Transmission
Communication occurs directly between peers instead of through a central node. Each node
stores and forwards information to all other .
Excited to share Liveplex's latest comprehensive report on the evolving cryptocurrency landscape! "Cryptocurrency in Flux" delves into the crucial aspects shaping the world of digital currencies, offering key insights into:
1ď¸âŁ The inherent volatility of the market, driven by factors like market maturity, liquidity, and technological advancements.
2ď¸âŁ Current trends including rising institutional investment, advancements in blockchain technology, and the growth of decentralized finance (DeFi) and NFTs.
3ď¸âŁ An increasingly sophisticated regulatory landscape worldwide, with diverse approaches and impacts on the market.
Is crypto eating fintech?
Digital assets are fighting for their place alongside stocks, shares and other asset classes.
Digital assets are changing the ecosystem & infrastructure that has been built around buying,
trading and holding those assets.
Similar to Blockchain: transforming different sectors (20)
The world we live today is digital and traditionally gold already has played a central role in economics driven by physical exchange. As we dig deeper to this rabbit hole of 'everything digital', the process of exchanging value is also going to transition into a
'non physical solution' and Bitcoin has a potential to play a big role into this transition process. As in the early days, storing, processing and sharing information was radically transformed by the computer and the internet, Bitcoin is playing a similar role by enhancing the ways which we can store, process and exchange value.
Across global economies, there are 180 currencies around the world. These currencies are recognized by the United Nations. As we all know the usecase of these currencies - buy goods and services. And despite volatility in the forex market due to many factors, the value of these currencies is subject to very little change on a day-to-day basis. A stablecoin is a cryptocurrency that is collateralized to the value of an underlying asset. In simple terms, stablecoin - in the form of digital money - aim to mimic traditional, stable currencies. Stablecoins were introduced to solve the volatility issue of the crypto market, that potentially holds the adoption of cryptocurrencies for everyday payment purpose. In this report, we will outline some important facts and interpret important data about stablecoins that emerged this year. This data quoted in this report is taken from Blockdata and other sources as noted below.
With many enterprises experimenting to find the suitable use of blockchain for their business, the promise of this Distributed Ledger Technology has swept the social impact world in the last 5 years. These innovators are new startups, ventures and initiatives that are digging deep into the rabbit hole
of blockchain. We term them as âorganizationsâ in this document. Stanford Graduate School of Business conducted a survey through phone interviews with C level executives at 110 organizations, to better understand the different ways through blockchain may be used for social impact. The findings were astonishing and we will further discuss about it in this document.
As a recent example from Switzerland, a tighten regulatory corset was imposed on the financial market players due to financial crisis in the country. Hence we can witness a structural fundamental change in the country due to parallel digitalisation and accelerated competetion in the new technologies. This has led to an explosion of opportunities in the small business sectors. Amongst other factors, Distributed Ledger Technologies (DLT), which enable new forms of digital transactions, offer a large potential for new business opportunities.
To provide a better understanding of trader's & user's taste and preferences, a survey was conducted in mid-2019 on more than 800 crypto traders including Chinese. Traders from 75 different countries participated in the survey. This report is based on the data collected by BDCENTER DIGITAL and concludes the interpretation of information obtained. In this report, we will only focus on some key points related to general activity, trading strategies of traders and most preferred crypto assets.
Blockchain technology will make only a little difference until the value and information represented on this technology ultimately move between parties for the purpose of commerce or *real utility*. True blockchain solutions need to be implemented by big commercial houses, for the 'mass adoption' to occur. Implementation of blockchain only to a limited degree won't make any difference in the world. We must need to understand the common issues faced by crypto holders in order to address this 'adoption' problem. The data provided in this report is taken from a 3 months long(Dec 2018 - Feb 2019) survey conducted by FIO - the Foundation for Interwallet Operability. Over 200 crypto holders actively participated in this survey.
Blockchain technology is here for 10 years and thee full potential of blockchain is yet to be unlocked, although in 2019, what has emerged is a shared recognition from institutions that blockchain in real and this technology can serve enterprise level solution and can also address a wide variety of business problems. Non-tech leaders have also come to witness the
transformational potential of the technology.
Developments in the blockchain space are happening at a rapid pace and we can witness institutions and companies exploring blockchain use-cases, recognizing their absolute grounds in the blockchain (networks), architecting protocols and reaching out to parties (potential partners) to convince them of co-founding or joining the proposed network. However, there are some shortfalls in their approach that has been a major reason behind the slower-adoption rate of blockchain technologies. An enterprise level value-creating DLT network can only happen if companies and government can work together to revisit their current approach. In this document, we will try to outline a policy approach that might help eliminate key obstacles for network formation.
A survey conducted by Glassdoor in August 2018 found an exponential growth in demand from employers searching for talent especially in the crypto field. The growth in demand for talent is not directly proportional to the price of bitcoin or the overall market sentiment. The survey reported that demand for blockchain jobs rose as nearly as 300% and there were 1,775 blockchain-related job openings in the U.S alone. It was also found that these jobs offer more salaries higher than any other field. And despite regulatory uncertainty, companies are rapidly investing in hiring for roles related to bitcoin and blockchain.
Bitcoin introduced the concept of Blockchain technology, the first digital currency ever created in 2008. The interesting fact about blockchain technology lies in its use of p2p network that runs with the help of cryptography. Blockchain enables trustless transactions i.e, people who do not know each other can now exchange something (currency, services etc) without the interference of a central authority such as Bank or Payment processing network. By eliminating the central authorities and harnessing the potential of peer-to-peer networks, this new technology is providing several opportunities such as : Low transaction fees, Fast settlements etc.
Blockchain is being used by several institutions to issue bonds and other debt products. Institutions use DLT primarily for structuring, issuance and asset transfer. The bond-i, issued by the World Bank in partnership with Commonwealth Bank of Australia (ABC's) Digital Innovation Lab 5, used blockchain technology, and hence was the world's first publicly offered blockchain bond. The bond was issued to replace registry, issuing, clearing and custodian processes with smart contract automation on a private version of the Ethereum blockchain.
Insurers are exploring the blockchain as they see vast potential in this new technology, most common research topics being : travel insurance and crop insurance. With crop insurance : If the bad weather causes any damage to the crops then a smart contract can confirm the loss using weather data and pay claims automatically. Similarly, in case of travel insurance, if the flights gets cancelled by the airline due to a covered reason, then a smart contract built using blockchain technology could automatically enact payment to those with insurance.
Blockchain-based systems have the potential to transform the advertising supply chain through its unique properties. Blockchain can improve efficiency, and trust and to some extent, privacy across the advertising industry. Trust is the initial area of focus for blockchain and many use cases inside and outside of advertising consist of replacing bodies like institutions, firms and even jobs to build trust. Traditionally trust is created through reputation, experience and achieving scale. But there is a difference with blockchain i.e, it doesn't rely on reputation, experience or credentials but blockchain delivers security, transparency and immutability inherently.
The report Blockchain 101 brings together some general âdescriptionsâ of simple and widely used terms in the industry especially related to âBlockchainâ or âDistributed Ledger Technologiesâ. It provides an explanatory approach to simple terms that are easy to understand, painting a clear picture of a typical DLT function structure and operations of consensuses.
For years now, the financial services industry has been undergoing dramatic changes and since the inception of Bitcoin in 2009, this new blockchain technology has expanded its reach to a broad mainstream audience. With the financial crisis around a decade ago being the major impulse, we have seen increasing regulatory activity, declining interest rates etc and since there is a substantial advancement in disruptive technologies, we can see a shift in clients, investors needs as these tech savvy investors are constantly looking to diversify their portfolios.
There has been an introduction of a wide range of technologies, terming themselves as Blockchains today, making the definition of Blockchain difficult. Cryptocurrencyâs blockchains are different from private commercial applications, for example, blockchains developed by the Linux Foundation, IBM etc. Irrespective of the said differences, these technologies share several important characteristics that make a working definition.
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Social Media Statistics for business, Pinterest marketing strategies, Instagram Marketing Statistics, Social Media content Statistics
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A beginners Guide to Social Media, why does a company need Social Media, tips and guidelines, key stats and demographics, Strategies and tactics for success, recommended tools, facebook, twitter, linkedin, pinterest
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
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The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a âRoaring Twentiesâ? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. governmentâs aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
âIn order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,â says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
what is the best method to sell pi coins in 2024DOT TECH
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The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
The secret way to sell pi coins effortlessly.DOT TECH
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Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
how to sell pi coins at high rate quickly.DOT TECH
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Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
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financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
⢠The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
⢠The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
⢠The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
⢠Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and assetâs value is determined by companyâs performance. There are two major types of equity securities: common stock and preferred stock.
ď Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the companyâs board of director or the business decisions to be made.
ď Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for companyâs growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
Introduction to Indian Financial System ()Avanish Goel
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The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
how to swap pi coins to foreign currency withdrawable.DOT TECH
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As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
Exploring Abhay Bhutadaâs Views After Poonawalla Fincorpâs Collaboration With...beulahfernandes8
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The financial landscape in India has witnessed a significant development with the recent collaboration between Poonawalla Fincorp and IndusInd Bank.
The launch of the co-branded credit card, the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card, marks a major milestone for both entities.
This strategic move aims to redefine and elevate the banking experience for customers.
How to get verified on Coinbase Account?_.docxBuy bitget
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t's important to note that buying verified Coinbase accounts is not recommended and may violate Coinbase's terms of service. Instead of searching to "buy verified Coinbase accounts," follow the proper steps to verify your own account to ensure compliance and security.
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
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USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
USDA Loans in California: A Comprehensive Overview.pptx
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Blockchain: transforming different sectors
1. B L O C K C H A I N :
T R A N S F O R M I N G
D I F F E R E N T
S E C T O R S
N O V . 2 0 1 9
B L A C K C H A I N .
G U R U
2. B L A C K C H A I N .
G U R U
Transformations
Benefits and Limitaions
Issuing
Reducing clearing
Settlement time.
The financial applications of Blockchain
technology range from cryptocurrencies and
ICOs to payment systems and financial
instruments. We can see ICOs becoming the
new IPOs for businesses and startups.
Blockchain enables the businesses to lower
costs by simplifying the following processes:
Benefits of cross-border payments relate to
efficient liquidity management, real-time
reporting with non-stop updates and
completely traceable transactions. The
technology is still in development phase and
not yet ready for the wider market or
mainstream adoption and still remains limited
to small subsets of participants. The regularity
challenges are as follows: nature and
classification of tokens, enforcement of anti-
money laundering requirements, overall
compliance with securities law or consumer
and investor protection
Cryptocurrencies
Tokens & ICOs
DLTs
Payment Systems
We are aware of the wider usecase of this
technology, but we will only the following usecases
of the blockchain:
Blockchain
applications in
finance range from
cryptocurrencies
and Initial Coin
Offerings to
financial
instruments and
payment systems.
3. B L A C K C H A I N .
G U R U
Cryptocurrencies
How things are changing?
It all started with the development of Bitcoin,
with the aim to eliminate the fiat currency or as
a convenient alternative form of currency that
will not need any interference of a central
authority in order to operate. No financial entity
would be involved to handle payments on the
interest and thus would remain de-centralized
by not being exposed to the risk of debased.
Bitcoin is a DLT for the storage of information on
the exchange of ownership of a digital
representation of value. Bitcoin is not given any
status if legal tender, unlike the so-called âfiat
currencyâ. This technology doesnât allow double
spending, solely determined by the trust. Each
person holding it has in the fact that Bitcoin will
not be debased, and will be accepted as a
means of payment by other economic factors.
This payment system looks very appealing for
several use cases thanks to the several
advantages of blockchain over traditional
systems. The complete elimination of any central
authority enables users to send and receive
coins/tokens simply by creating or registering an
account. This can be done through several
options or intermediaries such as crypto wallets
that are custody based wallet providers or
cryptocurrency exchanges.
Say, if you want to buy a digital currency from a third
party, then in some cases you will have to open an
account by simply registering into an exchange that
might in return as for personal data.It should be
noted that, contrary to popular
belief, Bitcoin does not guarantee full anonymity but
rather allows for pseudonymity. It is quite possible to
track the identity of the âmachinesâ that
are performing the transactions and might most
probable track the âaccountâ of its real owner.
Well, there are some cryptocurrencies, like Monero,
Verge or Komodo, trying to guarantee partial or full
anonymity if compared to cash related transactions
Talking about the price or value, we witnessed high
growth and volatility in Bitcoin and its market
capitalization. The price grew exponentially until the
end of 2017 and in the first five months of 2019,
marking the hype of 2017 as the 4th bubble of
Bitcoin.
At the beginning of 2018, it lost around 60 % of its
value in a month (Figure 1).
At its highest level, its market capitalisation reached
around USD 320 billion
in mid-December 2017 and stood at around USD 100
billion in mid-2018
4. B L A C K C H A I N .
G U R U
TOKENS & ICOS
Apart from representing a means of payment,
digital tokens can be associated with a generic
promise of delivering a service, payment or any
other commodity. The operators noticed this
fact and hence it led to the emergence of
âdigital tokensâ â often referred to by the
community members are âtokensâ â as new
method of financial intermediation and a new
class of financial products.
Used as an exchange medium, tokens are digital
assets and are normally connected with a base
blockchain in order to register these exchanges. This
can be with or without counterpart: Bitcoin is
without a counterpart while some tokens may
have one. This is to enable a relative right, whether it
can be a commodity or service or financial rights.
Tokens require cryptographic tools in order to be
able to secure the transactions and the ledger, since
technically tokens are digital assets and the
technology used is a blockchain. The recent interest
in tokens stems from the desire to find alternative
means of funding for businesses and start-ups in
particular, and to promote decentralized, mostly
unregulated, mediums of exchange which can be
used to support such firms.
5. B L A C K C H A I N .
G U R U
The concept of tokens have emerged in the
previous times also, not something per se. âRealâ
tokens and not supported by digital
technologies. But it has emerged in times of
currency debasement or as âparallel currenciesâ
aiming to support local economies. For instance,
the introduction of the Swiss WIR in 1934 during
the Great Depression promoted cooperative
financing at a regional level. More recently, in
2010, during the sovereign debt crisis, in
Sardinia, Italy, Sardex was introduced with the
same goal and eventually transitioned to a
blockchain supported digital token backed by
commercial credits (Financial Times, 2015b;
Sardex, 2017).
Most the small businesses and startups, in
search of funding avenues have decided to walk
the roads of raising capital through the issuing
of new tokens through ICOs and crown funding.
This eliminates the need of formal banking
system. These small businesses were soon
followed by start-ups looking for more favorable
credit conditions. Recent analyses have
underlined, however, that in their current form
ICOs carry important risks for SME issuers and
investors subscribing to token offerings. Such
arise due to certain factors such as uncertain
regulatory environment for ICOs, lack of
consumer protection based financial laws,
operational risks related to DLTs and limitation
in the structuring of ICOs.
Tab 2 shows the important changes that have
been done in funding structure and dynamics. n
2017, the overall flows of investment in
blockchain startups through different fundingÂ
instruments exploded, reaching a total of EUR 3.9
billion, the ICO being the most prominent
instrument (EUR 2.6 billion) in the same year.In 2018
also, venture capitals also started showing massive
interest and significant funding for blockchain start-
ups continued to flow via ICOs that recorded a total
of EUR 7.4 billion. EUR 968 million also made unto
through funding instruments such as Grants and
equities. The fundamental shift in raising money was
more institutionalised, more professionalized and
investor participation was more concentrated.
Nevertheless, ICOs are becoming significant fund-
raising solutions
As observed in Table 1, the fund-raising thing
through ICOs is no longer a âMini IPOâ or early
financing. The table shows that 3 companies raised
over USD 1 Billion in 2018, the The phenomenon took
off in 2017, with the monthly amount raised being
multiplied by 100 in just a few months.
It may be articulated that a such developments may
possess a positive impact on the economy, taking
into account, for instance, the potential role of these
solutions in fostering financial inclusiveness, in
particular in developing countries
6. B L A C K C H A I N .
G U R U
2016 2017 2018
Top 10 ICOs by amount raised, per year and at the ICO closing date. Amounts are valued using the BTC exchange rate at that time.
Amount raised per month and at the ICO closing date. Amounts are valued using the BTC exchange rate at that time
7. B L A C K C H A I N .
G U R U
However, they also raise a number of questions,
Tokens do involve high financial risk and there
must an investor protection in place, as is in the
case of traditional finance.
As mentioned in the previous section, in terms of
risk, the Bitcoin-USD rate has known two main
bubble periods: from November 2013 to January
2014 (+446 %) and from May 2017 to January 2018
(+1 200 %). Bitcoin lost its 2/3 of value in just 8
months (Dec 2017 â Aug 2018). The anticipated
volatility came out to be greater than the risky
USD-Russian rouble rate, even during the
Donbass crisis. Keeping aside the ICO hype and
clearing the noise from the markets, it was
found that the survival rate for blockchain based
startups in only 44.2% (Benedetti and
Kostovetsky 2018), which implies that
participating in any ICO is very
risky.
Coming back to investor protection, one
particular issue is the level of protection and
oversight to which investment in, and emission
of, tokens in ICOs are subjected to, and whether
this is sufficient or should be modified as the use
of ICOs increases. In the traditional financial
system like the formal banking and investment
funds sectors, it is always seen that the
institutions are closely regulated and are under
watch to ensure their solvency, On the other
hand the financial products are also regulated to
maintain the reliability, stability and
transparency. At the same time, only accredited
or qualified investors can hold complex financial
instruments to avoid small-time investors
exposing themselves to risks they cannot fully
understand or control.
In contrast, tokens lack such regulation. Due to the
novelty of the phenomenon, there is no ICO-specific
regulation, and the application of existing
regulations for other financial products can be
complex due to the diversity of tokens and the
difficulty of placing them in existing categorisations.
This difficulty is compounded by the global reach of
ICOs and the fact that they are often emitted by
start-ups which are run by software specialists with
little financial background.
Currently, there are four main regimes in
the regulation of ICOs:
⢠some countries simply ban ICOs (e.g. China,
Korea);
⢠some countries attempt to apply the existing
legislation even though it might be difficult to
adapt it to the new products and case-by-case
adaptations might be needed (e.g. the USA);
⢠some countries pass progressive legislation
(e.g. France, Switzerland);
⢠some remain silent, considering either
that regulation is premature or that their
understanding of the technology and how
it applies to the existing laws is insufficient
(e.g. Costa Rica).
8. B L A C K C H A I N .
G U R U
DLT - SUPPORTED
FINANCIAL LIABILITIES
According to recent findings, this could help in
increasing Gross Domestic Product (GDP) by
helping reduce real interest rates, exchange
based transaction costs, distortionary taxes and
could improve the scope of the central banks to
wider area that would lead to stable business
cycle (Barrdear and Kumhof, 2016). Efficiency
gains in terms of payments, clearing and
settlement could also be traded off by the
absence of anonymity (Bech and Garratt, 2017).
One important fact is that, it has been highlighted
by others that these solutions could contribute to
cashless society and allow for negative interest rates,
thereby circumventing the zero-lower-bound issue
(Agarwal and Kimball, 2015; Rogoff, 2014; Bordo and
Levin, 2017). While, the digital space is currently
focusing in developing new, dis-intermediated
products to raise funding, some big traditional
institutions looking to enter the digital space have
also been working on developing their own
settlement, etc and to simplify the process of
issuing, while saving money in clearance and saving
time in settlement. Â For instance, NASDAQ, which is
currently experimenting with the use of blockchain
technology for trading securities, argues that the
time required to complete a transaction could be
minimised from the standard T+3 days to 10
minutes, while the settlement risk exposure can be
reduced by over 99 % (Nasdaq, 2015).
The number of start-ups and also established
companies turning to digital space for
easier access to funds (bonds or loans) has increased
in the recent years.
Recently, a UK FinTech company issued,
cleared,settled and registered the first
cryptocurrency denominated bond entirely on a
public blockchain infrastructure (Microsoft, 2017).
This issuance was fully legally complaint as the
Financial Conduct Authorityâs sandbox had oversight,
making it another innovate aspect of this issuance.
When it comes to secondary market, it is widely said
that the first transactions which took place using the
Distributed Ledger Technology was
done by an asset management firm that purchased
a catastrophe bond, which was originally registered
(issued) in blockchain. It was found out that the
associated transaction costs came out to be much
lower than the anticipated traditional transaction
methods(Lombard Odier Invest Managers, 2018)
The unique features of blockchain are attracting
the interest of the financial sector â major financial
institutions have announced that they are currently
experimenting with blockchain technology. For
example, 40 of the worldâs largest banks took part in
a broad experiment to test a system for trading
fixed-income securities by using various blockchain-
technology providers (Reuters, 2016). Other
examples include institutions like JPMorgan Chase
& Co., in collaboration with the Bank of Canada,
which tested a new blockchain platform for issuing
bonds. They further expressed their interest in using
the technology in order to follow other related
processes like origination, settlement and interest-
rate payments (JPMorgan, 2018). UBS has also
created an innovation lab where similar
experiments for blockchain-based bonds are tested.
Paribas, 2016).
9. B l o c k c h a i n t e c h n o l o g y c o u l d
l o w e r t h e c o s t s a s s o c i a t e d
w i t h t h e e n t i r e l i f e c y c l e o f
a f i n a n c i a l i n s t r u m e n t
( i s s u a n c e , t r a d i n g , a n d
s e t t l e m e n t ) .
10. B L A C K C H A I N .
G U R U
PAYMENT SYSTEMS
Blockchain and DLTs in general can drive
change in the financial services by introducing
transparency, simplification and efficiency. The
key benefits of these new technologies are
related to their ability to create trust in a
distributed system, increase efficiency in real
time or near real-time reporting of transactions,
and support high resilience.As mentioned in
section 3.1, on 23 March 2017,the EC launched a
public consultation on FinTech (EC, 2017), in
which the majority of respondents
acknowledged that DLTs offer significant
opportunities in transactions related to
payments and securities.
In this respect, successful implementations of
blockchains in the financial sector are related to
payment systems, where the transaction costs can
be reduced substantially. Costs related to retail
transactions account, on average, for about 1 % of
the annual GDP in European countries (Camera,
2017).
Some case studies on DLT applications relate to
cross-border payments, given that the process of
transferring money across countries is usually very
slow and expensive (Flore, 2018). Successful
implementation of blockchain technology in
cross-border payments was introduced by Ripple,
a US-based FinTech company created in 2012.
In April 2018, Banco Santander became the first
international bank to provide blockchain
crossborder payments using the protocol
developed by Ripple; this was followed by many
other international financial institutions.
The incumbent company for cross-border
transaction, SWIFT â a consortium of more than 11
000 members â responded to this initiative by
increasing the speed and efficiency of their system
and testing the DLT on a broad scale in a subset of
members. The actual settlement system is based on
a set of correspondent banks which use the so-
called âNostro Accountâ, an account held by another
bank which acts as a service provider and where the
monies are transferred. Between 2017 and 2018,
SWIFT carried out an extensive test on the use of
DLTs. The results of such PoCs carried out by 34
banks show effective benefits using real-time
blockchain systems, specifically related to real-time
reporting and the update of positions, liquidity
management, complete traceability of the
transactions, and simplified reconciliation across
accounts. However, these results also underline that
the actual technology is not sufficiently well
developed to be broadly adopted and poses
significant operational challenges for banks.
11. B L A C K C H A I N .
G U R U
several major issues impede the broad adoption
of DLT in the financial sector in general (Casey et
al., 2018):
⢠Performance and scalability: the current
efficiency of blockchain technology is limited
since the design of the applications is complex
and can introduce bottlenecks due to the
latency of the system.
⢠Privacy: one of the main strengths of DLT is that
all pieces of information are shared among
participants. However, in financial transactions,
this might pose confidentiality issues.
Experimental solutions to this issue are linked to
cryptography and zero-knowledge proofs.
⢠Legacy infrastructures: the DLT have to
communicate with old infrastructures, the
migration of which might be complicated due
to the different underlining technology.
⢠Update and maintenance of the software: since
there is no central authority, changing the
software requires consensus among participants,
which has to be enforced to avoid creating chain
splits.
⢠Real-world applications: the payment cases
analysed relate to a small subset of participants.
Most of the real use has been around
cryptocurrency speculations (Bitcoin).
In 2017, FinTech consultations among the EC
participants underlined similar issues. The main
challenges highlighted for the implementation
of DLT solutions were data standardisation,
of tokens; securities law; compliance with General
Data Protection Regulation (GDPR); liability rules;
governance of DLT networks; and regulatorsâ
understanding of the technology.
The consultation also concluded that further analysis
is necessary to assess whether or not the current
legal framework for financial services is âtechnology
neutral and able to accommodate FinTech
innovation, or whether it needs to be adapted to this
endâ. It also underlined that financial stability,
consumer and investor protection, anti-money
laundering requirements and law enforcement must
be assured and respected.
Regulatory
challenges include
consumer and
investor
protection,
compliance with
securities law, or
enforcement
of anti-money
laundering
requirements
12. Known as the youngest and most influential Blockchain expert in the field. She is
an Italian-American who first started out as a startupper in the AI and IT business,
while still finishing her Economics and Management studies in Bocconi. Eloisa is
a renowned author, public speaker, and biz-dev, catering startups and
companies wanting to innovate. Currently being the Chapter
Director of Bocconi University Startup Grind Chapter, she made valuable
connections and became a part of some of the main blockchain associations
around the world, namely The Blockchain Council and The NYC Women in
Blockchain. She will be featured in the Forbes Italy 30 Under 30 most influential
entrepreneurs in 2020.
Giovanni Casagrande
A known name in the world of cryptocurrency. He has been in the marketing
industry for well over 20 years and have switched to the cryptocurrency industry
in 2014. Heâs a writer, public speaker, investor and Marketing / Growth Hacking
advisor in more than 100 successfully projects. His specialty was Economics in
the University of Bologna and the knowledge, experience gathered from there
has helped him to manage/help many businesses in the industry. 4 years ago he
founded Black Marketing Guru, a successfully Growth Hacking startup in Italy.
Giacomo Arcaro
He has 15 yearsâ experience in growth hacking, digital strategy, startup and
business development. He has advised over 150 startups and has 50 managed
employees into a XII Century Church in Italy for the European biggest growth
hacking company. He holds the title of âAmazon Best Seller Authorâ and is been
known to be one of the âMost Influencial Blockchain Evangelistâ with +200
conferences all over the world.
Eloisa Marchesoni
'The Most Influential Fintech Advisor' 'European Best Growth Hacker'
'Number 1 ICO Advisor Worldwide
Award'
'An influential Personality in the
Blockchain Space'
'Number 1 token model architect for
ICOs'
'Top 100 Fintech Leaders and Influencers
in Italy'