The "Experts" Are Getting Crypto All Wrong

Bitcoin peaked about a month ago, on December 17, at a high of nearly $20,000. As I write, the cryptocurrency is under $11,000... a loss of about 45%. That's more than $150 billion in lost market cap.

Cue much hand-wringing and gnashing of teeth in the crypto-commentariat. It's neck-and-neck, but I think the "I-told-you-so" crowd has the edge over the "excuse-makers."

Here's the thing: Unless you just lost your shirt on bitcoin, this doesn't matter at all. And chances are, the "experts" you may see in the press aren't telling you why.

In fact, bitcoin's crash is wonderful... because it means we can all just stop thinking about cryptocurrencies altogether.

The Death of Bitcoin...

In a year or so, people won't be talking about bitcoin in the line at the grocery store or on the bus, as they are now. Here's why.

Bitcoin is the product of justified frustration. Its designer explicitly said the cryptocurrency was a reaction to government abuse of fiat currencies like the dollar or euro. It was supposed to provide an independent, peer-to-peer payment system based on a virtual currency that couldn't be debased, since there was a finite number of them.

That dream has long since been jettisoned in favor of raw speculation. Ironically, most people care about bitcoin because it seems like an easy way to get more fiat currency! They don't own it because they want to buy pizzas or gas with it.

Besides being a terrible way to transact electronically - it's agonizingly slow - bitcoin's success as a speculative play has made it useless as a currency. Why would anyone spend it if it's appreciating so fast? Who would accept one when it's depreciating rapidly?

Bitcoin is also a major source of pollution. It takes 351 kilowatt-hours of electricity just to process one transaction - which also releases 172 kilograms of carbon dioxide into the atmosphere. That's enough to power one U.S. household for a year. The energy consumed by all bitcoin mining to date could power almost 4 million U.S. households for a year.

Paradoxically, bitcoin's success as an old-fashioned speculative play - not its envisaged libertarian uses - has attracted government crackdown.

China, South Korea, Germany, Switzerland and France have implemented, or are considering, bans or limitations on bitcoin trading. Several intergovernmental organizations have called for concerted action to rein in the obvious bubble. The U.S. Securities and Exchange Commission, which once seemed likely to approve bitcoin-based financial derivatives, now seems hesitant.

And according to Investing.com: "The European Union is implementing stricter rules to prevent money laundering and terrorism financing on virtual currency platforms. It's also looking into limits on cryptocurrency trading."

We may see a functional, widely accepted cryptocurrency someday, but it won't be bitcoin.

... But a Boost for Crypto Assets

Good. Getting over bitcoin allows us to see where the real value of crypto assets lies. Here's how.

To use the New York subway system, you need tokens. You can't use them to buy anything else... although you could sell them to someone who wanted to use the subway more than you.

In fact, if subway tokens were in limited supply, a lively market for them might spring up. They might even trade for a lot more than they originally cost. It all depends on how much people want to use the subway.

That, in a nutshell, is the scenario for the most promising "cryptocurrencies" other than bitcoin. They're not money, they're tokens - "crypto-tokens," if you will. They aren't used as general currency. They are only good within the platform for which they were designed.

If those platforms deliver valuable services, people will want those crypto-tokens, and that will determine their price. In other words, crypto-tokens will have value to the extent that people value the things you can get for them from their associated platform.

That will make them real assets, with intrinsic value - because they can be used to obtain something that people value. That means you can reliably expect a stream of revenue or services from owning such crypto-tokens. Critically, you can measure that stream of future returns against the price of the crypto-token, just as we do when we calculate the price/earnings ratio (P/E) of a stock.

Bitcoin, by contrast, has no intrinsic value. It only has a price - the price set by supply and demand. It can't produce future streams of revenue, and you can't measure anything like a P/E ratio for it.

One day it will be worthless because it doesn't get you anything real.

Ether and Other Crypto Assets Are the Future

The crypto-token ether sure seems like a currency. It's traded on cryptocurrency exchanges under the code ETH. Its symbol is the Greek uppercase Xi character. It's mined in a similar (but less energy-intensive) process to bitcoin.

But ether isn't a currency. Its designers describe it as "a fuel for operating the distributed application platform Ethereum. It is a form of payment made by the clients of the platform to the machines executing the requested operations."

Ether tokens get you access to one of the world's most sophisticated distributed computational networks. It's so promising that big companies are falling all over each other to develop practical, real-world uses for it.

Because most people who trade it don't really understand or care about its true purpose, the price of ether has bubbled and frothed like bitcoin in recent weeks.

But eventually, ether will revert to a stable price based on the demand for the computational services it can "buy" for people. That price will represent real value that can be priced into the future. There'll be a futures market for it, and exchange-traded funds (ETFs), because everyone will have a way to assess its underlying value over time. Just as we do with stocks.

What will that value be? I have no idea. But I know it will be a lot more than bitcoin.

My advice: Get rid of your bitcoin, and buy ether at the next dip.

Ted Bauman joined The Sovereign Investor Daily in 2013. As an expat who lived in South Africa for 25 years, Ted specializes in asset protection and international migration. Read more of what he has to say about offshore living here.

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The Wild West Crypto Show Continues

Here is a question that comes up often: How do I choose which crypto currency to invest in - aren't they all the same?

There is no doubt that Bitcoin has captured the lion's share of the crypto currency (CC) market, and that is largely due to its FAME. This phenomenon is much like what is happening in national politics around the world, where a candidate captures the majority of votes based on FAME, rather than any proven abilities or qualifications to govern a nation. Bitcoin is the pioneer in this market space and continues to garner almost all of the market headlines. This FAME does not mean that it is perfect for the job, and it is fairly well known that Bitcoin has limitations and problems that need to be resolved, however, there is disagreement in the Bitcoin world on how best to resolve the problems. As the problems fester, there is ongoing opportunity for developers to initiate new coins that address particular situations, and thus distinguish themselves from the approximately 1300 other coins in this market space. Let's look at two Bitcoin rivals and explore how they differ from Bitcoin, and from each other:

Ethereum (ETH) - The Ethereum coin is known as ETHER. The main difference from Bitcoin is that Ethereum uses "smart contracts" which are account holding objects on the Ethereum blockchain. Smart Contracts are defined by their creators and they can interact with other contracts, make decisions, store data, and send ETHER to others. The execution and services they offer are provided by the Ethereum network, all of which is beyond what the Bitcoin or any other blockchain network can do. Smart Contracts can act as your autonomous agent, obeying your instructions and rules for spending currency and initiating other transactions on the Ethereum network.

Ripple (XRP) - This coin and the Ripple network also have unique features that make it much more than just a digital currency like Bitcoin. Ripple has developed the Ripple Transaction Protocol (RTXP), a powerful financial tool that allows exchanges on the Ripple network to transfer funds quickly and efficiently. The basic idea is to place money in "gateways" where only those who know the password can unlock the funds. For financial institutions this opens up huge possibilities, as it simplifies cross-border payments, reduces costs, and provides transparency and security. This is all done with creative and intelligent use of blockchain technology.

The mainstream media is covering this market with breaking news stories almost every day, however, there is little depth to their stories... they are mostly just dramatic headlines.

The Wild West show continues...

The 5 stocks crypto/blockchain picks are up an average of 109% since December 11/17. The wild swings continue with daily gyrations. Yesterday we had South Korea and China the latest to try to shoot down the boom in cryptocurrencies.

On Thursday, South Korea's justice minister, Park Sang-ki, sent global bitcoin prices temporarily plummeting and virtual coin markets into turmoil when he reportedly said regulators were preparing legislation to ban cryptocurrency trading. Later that same day, the South Korea Ministry of Strategy and Finance, one of the main member agencies of the South Korean government's cryptocurrency regulation task force, came out and said that their department does not agree with the premature statement of the Ministry of Justice about a potential cryptocurrency trading ban.

While the South Korean government says cryptocurrency trading is nothing more than gambling, and they are worried that the industry will leave many citizens in the poor house, their real concern is a loss of tax revenue. This is the same concern every government has.

China has grown into one of the world's biggest sources of cryptocurrency mining, but now the government is rumoured to be looking into regulating the electric power used by the mining computers. Over 80% of the electrical power to mine Bitcoin today comes from China. By shutting down miners, the government would make it harder for Bitcoin users to verify transactions. Mining operations will move to other places, but China is particularly attractive due to very low electricity and land costs. If China follows through with this threat, there will be a temporary loss of mining capacity, which would result in Bitcoin users seeing longer timers and higher costs for transaction verification.

This wild ride will continue, and much like the internet boom, we will see some big winners, and eventually, some big losers. Also, similar to the internet boom, or the uranium boom, it is those who get in early who will prosper, while the mass investors always show up at the end, buying in at the top.

Stay Tuned!

Martin Straith - http://www.thetrendletter.com

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Reviews of ICO (Initial Coin Offerings)

What is the Definition of ICO?

Initial Coin Offering (ICO) is a crowdfunding method used by new cryptocurrency companies to raise capitals. In ICO, some percentages of the newly issued cryptocurrencies are sold to people who are interested in supporting the project. They are sold to exchange for other established cryptocurrencies such as Bitcoin, Fiat and Ether.

Backers purchase the new cryptocurrency with an intention to make a profit when it increases in value. It is similar to the principle of people making a profit when the share they bought at the stock market increases in value. ICO is different than purchasing shares at a stock market because you don't get a share of the ownership right when you invest in the new tokens.

Brief History on ICOs

In the beginning stage, ICO was conducted by companies such as Mastercoin, Ethereum and Karmacoin. Ethereum conducted one of the biggest ICO in 2014 by raising a total of $18 millions in the early stage of 2014. They break the record by raising 3,700 Bitcoins which is equivalent to $2.3 million dollars within the first 12 hours of the campaign. Kik conducted the first mainstream ICO in September 2017 but the project was interrupted by a phishing scam via the circulation of a false URL in the social media. Ripple sold $1 billion worth of XRP tokens to investors in exchange for bitcoins and fiats in 2013.

Today, ICO sales have become increasingly popular with around 50 token sales being conducted every month. Starting from 2017, ICO has been growing at a fast pace with at least $2 billion worth of token sales successfully conducted. This proves that it is not going to be a temporary method used by new cryptocurrency company to raise funds but it is here to stay for long term.

Nowadays, ICO token sale is so popular that at least a few ICO begins every day. It has been predicted that over $4 billion worth of token sales will be conducted this year. Genesis Vision, a Russian based company, conducted an ICO campaign that runs from the 15th October 2017 to the 15th November 2017. They manage to raise a total of $2.3 million in the token presale.

How Does ICOs Fundraising Work?

A cryptocurrency company that wants to raise capitals through ICO must provide a few details including project description, project purpose, amount need to be raised, percentage of tokens the company will keep, types of virtual currencies accepted, and the timeframe of the ICO campaign. Backers who are interested can email the seller and ask for more details of the project before performing a transaction. If they successfully raise the amount for the campaign, they will carry out the scheme to complete the project. If not, they will return the money back to the backers.

How Scammers Use ICO to Carry Out Fraud?

ICO can be conducted to help raise funds for various types of businesses and charity organization. It has also been used as a tool by scammers to conduct frauds. Scammers would use means to increase the ICO value temporarily and abandon the project afterwards to make a quick profit. Scams happen because of the lack of regulation by the government. Just like any investment, there is a risk when coming to invest in the initial coin offering.

No statistic on the company that runs the ICO is given so it is hard to make a prediction. Backers usually would only check out data such as who will receive the collected money, and the social media profile. To make a successful investment in ICO, one needs to be patient and willing to spend time to conduct research on the company.

Conclusion

In conclusion, ICO has helped many startups to raise the funds they need for their projects. With ICO, startups can easily raise a large amount of money within a short timeframe of just a few seconds or minutes. Entrepreneurs will continue to take advantage of ICO to raise capitals until it comes under government regulation.

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What Is Bitcoin and the Blockchain and Why It Is Important to Invest Now

There is increasingly growing interest and buzz around bitcoin these days. You may have heard of it before or not. Either way, it is a multi-trillion-dollar financial industry that is practically flying under the radar of most people (only about 2% of the population is even aware of its existence), which makes it a prime time to get positioned before it hits the mainstream. And the time is now because cryptocurrency awareness is going viral. Even some universities are teaching classes on bitcoin, cryptocurrencies and blockchain technology!

What is Bitcoin Exactly?

Bitcoin is a digital currency (or digital money), that is electronically held, which means it is not tangible like fiat currency (dollars, euros, yen, etc.). It was created cryptographically, and thus it is a cryptocurrency. It runs on open-source software and it is not controlled by entities. It is decentralized and not governed by banks or government.

What is the Blockchain?

Blockchain technology is where bitcoin and other cryptocurrencies exist. The blockchain is also used for other applications other than cryptocurrencies, such as running smart contracts, for example. In a nutshell, the blockchain is a digital ledger that is decentralized. It stores records of all transactions that occur within it and is run by a peer-to-peer network. This means that individuals and businesses use it to transfer digital assets to each other via the Internet with no third party (i.e., banks, governments) needed.

The Importance Blockchain Technology and Investing in It

From a business perspective, blockchain technology can improve business processes and significantly lower costs. It will also allow businesses to offer more benefits of service to customers. For instance, financial institutions could use blockchain technology to improve processes for things such as settlements and insurance.

From an individual perspective, blockchain technology offers opportunities for significantly high returns on cryptocurrency investment as compared to traditional investments.

Blochchain technology and cryptocurrencies are quickly proving to be an inevitable part of the future of money and finances in the global economy. It is something that will soon become mainstream in the world financial market, and those who invest early as early adopters of this amazing innovative technology will be among the newest millionaires in the coming years and beyond.

We are in the third big wave of the Internet. The first being websites and domain names (dotcom boom), the second being social media (dating sites, Twitter, Facebook, YouTube, etc.), and the third blockchain technology, bitcoin and other cryptocurrencies. It's a great time to get positioned.

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6 Incredible Benefits Of the Cryptocurrency

Over the past few years, people have been talking a lot about cryptocurrency. At first, this business sounded scary but people started developing trust in it. You may have heard of Ether and Bitcoin. They both are crypto currencies and use the Blockchain Technology for highest security possible. Nowadays, these currencies are available in several types. Let's know more about it.

How Can cryptocurrency help you?

As far as fraud is concerned, this type of currency can't be faked as it's in digital form and can't be reversed or counterfeited unlike the credit cards.

Immediate settlement

Buying real property involves third parties, such as lawyers and notary. So, delays can occur and extra costs may incur. On the other hand, Bitcoin contracts are designed and enforced in order to include or exclude third parties. The transactions are quick and settlements can be made instantly.

Lower fees

Typically, there is no transaction fee if you want to exchange Bitcoin or any other currency. For verifying a transaction, there are minors who get paid by the network. Although there is zero transaction fee, most buyers or sellers hire the services of a third-party, such as Coinbase for the creation and maintenance of their wallets. If you don't know, these services function just like Paypal that offers a web-based exchange system.

Identification of theft

Your merchant gets your full credit line when you provide them with your credit card. This is true even if the transaction amount is very small. Actually, what happens is that credit cards work based on a "pull" system where the online store pulls the required amount from the account associated with the card. On the other hand, the digital currencies feature a "push" mechanism where the account holder sends only the amount required without any additional information. So, there is no chance of theft.

Open access

According to statistics, there are around 2.2 billion people who use the Internet but not all of them have access to the conventional exchange. So, they can use the new form of payment method.

Decentralization

As far as decentralization is concerned, an international computer network called Blockchain technology manages the database of Bitcoin. In other words, Bitcoin is under the administration of the network, and there is no central authority. In other words, the network works on a peer-to-peer based approach.

Recognition

Since cryptocurrency is not based on the exchange rates, transaction charges or interest rates, you can use it internationally without suffering from any problems. So, you can save a lot of time and money. In other words, Bitcoin and other currencies like this are recognized all over the world. You can count on them.

So, if you have been looking for a way to invest your extra money, you can consider investing in Bitcoin. You can either become a miner or investor. However, make sure you know what you are doing. Safety is not an issue but other things are important to be kept in mind. Hopefully, you will find this article helpful.

Bitmora is the new game changing development of today. If you are into digital currencies, we suggest that you check out Bitmora cryptocurrency exchange.

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What Are Top 5 Cryptocurrencies Other Than Bitcoin?

Bitcoin has lead the crypto world for so long, and so dominantly that the terms crypto and Bitcoin are often used interchangeably. However, the truth is, the digital currency does not only comprise of Bitcoin. There are numerous other crypto currencies that are part of the crypto world. The purpose of this post is to educate our readers on cryptocurrencies other than Bitcoin to provide them with a wide range of options to choose from - if they intend on making crypto-investments.

So let's get started with the first name on our list, that is:

Litecoin:

Launched in 2011, Litecoin is often referred to as 'silver to Bitcoin's gold.' Charlie Lee - MIT graduate and former engineer at Google - is the founder of Litecoin.

Similar to Bitcoin, Litecoin is a decentralized, open source payment network which functions without a central authority.

Litecoin is similar to Bitcoin in many ways and often leads people to think: "Why not go with Bitcoin? Both are similar!". Here's a catch: the block generation of Litecoin is much faster than that of Bitcoin! and this is the main reason why merchants around the world are becoming more open to accepting Litecoin.

Ethereum:

Another open source, decentralized software platform. The currency was launched in 2015 and enables Smart Contracts and Distributed Applications to be built and run without any downtime.

The applications on Ethereum platform require a specific cryptographic token - Ether. According to the core developers of Ethereum, the token can be used to trade, secure, and decentralize just about anything.

Ethereum experienced an attack in 2016 which saw the currency split into two parts: Ethereum and Ethereum Classic.

In the race of leading cryptocurrencies, Ethereum is second most popular and is right behind Bitcoin.

Zcash:

Zcash came out in the later part of 2016. The currency defines itself as: "if Bitcoin is like http for money, Zcash is https".

Zcash promises to provide transparency, security, and privacy of transactions. The currency also offers the option of 'shielded' transaction so the users can transfer data in the form of encrypted code.

Dash:

Dash is originally a secretive version of Bitcoin. It is also known as 'Darkcoin' due to its secretive nature.

Dash is popular for offering an expanded anonymity which allows its users to make transactions impossible to trace.

The currency first appeared on the canvas of digital market in the year 2014. Since then, it has experienced a large fan following over a very short span of time.

Ripple:

With a market capitalization of over $1bn, Ripple is the last name on our list. The currency was launched in 2012 and offers instant, secure, and low-cost payments.

The consensus ledger of Ripple doesn't require mining, a feature which makes it different from Bitcoin and other mainstream crypto currencies.

The lack of mining reduces the computing power which ultimately minimizes the latency and makes transactions faster.

Wrap Up:

Although Bitcoin continues to lead the pack of crypto, the rivals are picking up the pace. Currencies like Ethereum and Ripple have surpassed Bitcoin in enterprise solutions and are growing in popularity each day. Going by the trend, the other cryptos are here to stay and will soon be giving Bitcoin a real tough time to maintain its stature.

Talha Farooq is a Bitcoin enthusiast and an author for http://www.btcwonder.com. Do not hesitate to land in his inbox via talhafarooq717@gmail.com

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The Basics of Cryptocurrency and the Way It Works

In the times that we're living in, technology has made unbelievable advancement as compared to any time in the past. This evolution has redefined the life of man on almost every aspect. In fact, this evolution is an ongoing process and thus, human life on earth is improving constantly day in and day out. One of the latest inclusions in this aspect is cryptocurrencies.

Cryptocurrency is nothing but digital currency, which has been designed to impose security and anonymity in online monetary transactions. It uses cryptographic encryption to both generate currency and verify transactions. The new coins are created by a process called mining, whereas the transactions are recorded in a public ledger, which is called the Transaction Block Chain.

Little backtrack

Evolution of cryptocurrency is mainly attributed to the virtual world of the web and involves the procedure of transforming legible information into a code, which is almost uncrackable. Thus, it becomes easier to track purchases and transfers involving the currency. Cryptography, since its introduction in the WWII to secure communication, has evolved in this digital age, blending with mathematical theories and computer science. Thus, it is now used to secure not only communication and information but also money transfers across the virtual web.

How to use cryptocurrency

It is very easy for the ordinary people to make use of this digital currency. Just follow the steps given below:

You need a digital wallet (obviously, to store the currency)
Make use of the wallet to create unique public addresses (this enables you to receive the currency)
Use the public addresses to transfer funds in or out of the wallet
Cryptocurrency wallets

A cryptocurrency wallet is nothing else than a software program, which is capable to store both private and public keys. In addition to that, it can also interact with different blockchains, so that the users can send and receive digital currency and also keep a track on their balance.

The way the digital wallets work

In contrast to the conventional wallets that we carry in our pockets, digital wallets do not store currency. In fact, the concept of blockchain has been so smartly blended with cryptocurrency that the currencies never get stored at a particular location. Nor do they exist anywhere in hard cash or physical form. Only the records of your transactions are stored in the blockchain and nothing else.

A real-life example

Suppose, a friend sends you some digital currency, say in form of bitcoin. What this friend does is he transfers the ownership of the coins to the address of your wallet. Now, when you want to use that money, you've unlock the fund.

In order to unlock the fund, you need to match the private key in your wallet with the public address that the coins are assigned to. Only when both these private and public addresses match, your account will be credited and the balance in your wallet will swell. Simultaneously, the balance of the sender of the digital currency will decrease. In transactions related to digital currency, the actual exchange of physical coins never take place at any instance.

Understanding the cryptocurrency address

By nature, it is a public address with a unique string of characters. This enables a user or owner of a digital wallet to receive cryptocurrency from others. Each public address, that is generated, has a matching private address. This automatic match proves or establishes the ownership of a public address. As a more practical analogy, you may consider a public cryptocurrency address as your eMail address to which others can send emails. The emails are the currency that people send you.

Understanding the latest version of technology, in form of cryptocurrency is not tough. One needs a little interest and spend time on the net to get the basics clear.

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How to Trade Cryptocurrencies - The Basics of Investing in Digital Currencies

Whether it's the idea of cryptocurrencies itself or diversification of their portfolio, people from all walks of life are investing in digital currencies like. If you're new to the concept and wondering what's going on, here are some basic concepts and considerations for investment in cryptocurrencies.

What cryptocurrencies are available and how do I buy them? 

With a market cap of about $278 billion, Bitcoin is the most established cryptocurrency. Ethereum is second with a market cap of over $74 billion. Besides these two currencies, there are a number of other options as well, including Ripple ($28B), Litecoin ($17B), and MIOTA ($13B). Being first to market, there are a lot of exchanges for Bitcoin trade all over the world. BitStamp and Coinbase are two well-known US-based exchanges. Bitcoin.de is an established European exchange. If you are interested in trading other digital currencies along with Bitcoin, then a crypto marketplace is where you will find all the digital currencies in one place. Here is a list of exchanges according to their 24-hour trade volume.

What options do I have to store my money?

 Another important consideration is storage of the coins. One option, of course, is to store it on the exchange where you buy them. However, you will have to be careful in selecting the exchange. The popularity of digital currencies has resulted in many new, unknown exchanges popping up everywhere. Take the time to do your due diligence so you can avoid the scammers. Another option you have with cryptocurrencies is that you can store them yourself. One of the safest options for storing your investment is hardware wallets. Companies like Ledger allow you store Bitcoins and several other digital currencies as well.

What's the market like and how can I learn more about it? 

The cryptocurrency market fluctuates a lot. The volatile nature of the market makes it more suited for a long-term play. There are many established news sites that report on digital currencies, including Coindesk, Business Insider, Coin Telegraph, and Cryptocoin News. Besides these sites, there are also many Twitter accounts that tweet about digital currencies, including @BitcoinRTs and @AltCoinCalendar. Digital currencies aim to disrupt the traditional currency and commodity market. While these currencies still have a long way to go, the success of Bitcoins and Ethereum have proven that there is genuine interest in the concept. Understanding the basics of cryptocurrency investment will help you start in the right way.

Salman Jaffry is an experienced content writer. He writes on various topics related to investment and finance. You can contact him him through his Skype ID: salman.jaffry or email: contactshj@gmail.com. Article Source: https://EzineArticles.com/expert/Salman_Jaffry/2496004 Article Source: http://EzineArticles.com/9851602