INTERNET HAS A VIRUS STEALING CRYPTOCURRENCY

Internet has a virus, stealing cryptocurrency

Cyren IT company has issues press-release causing panics among a lot of Internet users saying that they have detected spam company stealing cryptocurrency banking clients.

These scammers work in the following way. They send fake letters to Bitcoin clients’ users presenting themselves the employees of important banking institutions such as DBS Bank and Emirates NBD banks. The letters say about some network payments and attachments contain malware stealing cryptocurrencies internet investments from recipients’ wallets.

Cyren experts defined that they send letters from USA and Singapore via bots. Hackers also specify bank SWIFT codes for transactions conducting.

Malware is in form of PDF file installing keylogger registering each action and stealing confidential information. The same virus also steals cryptocurrency from users’ wallets.

The list of stolen currencies is rather huge: Bitcoin, Anoncoin, Craftcoin, Devcoin, BBQcoin, Bytecoin, Digitalcoin, Feathercoin, Fastcoin, Florincoin, I0coin, Freicoin, Infinitecoin, Junkcoin, Ixcoin, Luckycoin, Litecoin, Megacoin, Namecoin, Mincoin, Primecoin, Phoenixcoin, Quarkcoin, Terracoin, Tagcoin, Worldcoin, Zetacoin and Yacoin.

Earlier Internet has been struck by multifunctional malware called Protheus containing the virus capable to mine various cryptocurrencies and turn infected computer into proxy server and register all clicks users do

BITCOIN WALLET CLASSIFICATION

Bitcoin wallet: classification and features

The Bitcoin crypto currency mobility, safety and usage simplicity attracts more and more fans. And we can tell for sure that taking into account the existing development of digital technologies this process will continue. The reason for this might be a necessity to use it any time and place using any device like laptop, tablet or Smartphone.

To get clearer picture it is worth saying that Bitcoin cryptrocurrency is a set of virtual confidential keys, opening the access to Bitcoin addresses and enabling the feature of commercial transactions conducting. You will need Bitcoin wallet in order to use such virtual savings. Find below the existing detailed classification of Bitcoin wallets in order to get clear idea what kind of Bitcoin wallet will perfectly suit your needs in case of cryptocurrency usage.

Bitcoin wallets classification Bitcoin wallets are classified depending on their location. Now there are four main types of Bitcoin wallets: local; on-line; mobile; Hardware. Each type of bitcoin wallet has specific features taking into account the specific indices: wallet registration simplicity; usage simplicity; option of internet access; Security.

Local bitcoin wallets The local Bitcoin wallets or simply PC wallets are located at user PC. The file with keys is being stored at your PC as well, plus you can personally set all characteristics, which is extremely important as well. Some classifiers call such wallets «full set», which have such advantages as high level of security, the options of back-up files in order to save you from unpleasant situations. Besides this local bitcoin wallets end their blockchain at PC by constantly adding new ones at the same time. It means that you would need powerful PC with big amount of free space. Such wallet is connected to computer one way or another, so its usage is possible in home conditions only. Bitcoin Core is one among the best local Bitcoin wallets. This Bitcoin wallet has been created on the basis of Bitcoin itself by thus warranting its operation stability and security. The main advantages of this program are an option of keys encrypting with password and Russian localized version. Such type of wallet is used at cryptocurrency cloud mining.

Mobile Bitcoin wallets Mobile Bitcoin wallets are often called «part wallets» as they download all block from third party servers and don’t require its downloading to mobile device. Such software usage has its advantages and disadvantages. The advantages are the simplicity and the option of their usage at portable devices. Partial block loading didn’t manage to free such gadgets from huge mobile traffic, which is not so cheap now. Now there are various applications – Bitcoin wallets for both the most widespread mobile OS: Android and iOS. The most convenient ones are the following: Iphone – Fruitwallet; Android – Electrum. The advantages of mobile wallets before local ones are obvious if we don’t mention the matter of security which is significantly lower in comparison to the one of local wallets. The block-chain location at third party servers supposes information partial transfer to third party, meaning that third party can use this information at its own discretion.

Online Bitcoin wallets The similarity of on-line and mobile Bitcoin wallets lies at the fact of blockchains partial loading. If you are using such wallet the key file is located at specific server with internet connection. Due to the fact of addresses reproduction between all user’s devices one can get access to bitcoin wallet from any device which has internet connection. The drawback of such type of wallet is the same like the one of mobile wallets low security level meaning that the third party has access to secret keys. Such situation might cause various unpleasant consequences! GreenAddress online wallet is the most popular one among all other types of online wallets. The advantage of such wallet application is the fact that it has two multi signatures and serves as a guarantor of financial security during each transaction. The application has the feature of transaction immediate confirmation by thus lowering fraud risk practically to zero. The only GreenAddress drawback is its recency by thus making users cautious about its usage. In most cases it is not correct as the application is worth trusting it.

Bitcoin hardware wallets Bitcoin hardware wallets provide convenient access to Bitcoins by simultaneously providing high security level, as the keys are being stored in wallet memory only. In most cases the main element of such Bitcoin wallet is flash drive with micro scheme for secret keys storage and PC connection via USB slot. The most typical examples are Trezor, Keepkey, and Ledger Nano S.

«Bitcoin banks» Such applications as Coinbase and Xapo are often called “Bitcoin banks”. We recommend taking them into consideration due to extended features. The Coinbase is one of the most advanced applications related to crypto currency transactions.  Its main advantage is an additional storage space for secret keys. Now this wallet is a service provider for more than 2, 5 millions of customers in 28 countries of the world. Lot of international companies such as The New York Times and Bloomberg use this wallet advantages. This wallet enables the option of cryptocurrency sales and purchase. It has rather complex identification procedure during usual currency exchange to Bitcoins, but this is not exactly a drawback. Coinbase allows non-blockchain transactions conducting by thus enabling its immediate confirmation.

How to increase wallet security Your internet investments security meaning your Bitcoin wallet security is one of the milestones of its operation. There are three of the most efficient ways of secret file protection: Password encryption; Data back-up; «cold storage» (wallet offline usage). The information encryption allows security level significant increase, though it is always possible to break password with the help of specific software. The creation of several back-up copies and their storage in different locations will allow the security significant increase but only in case if we are talking about complete copies. The secret keys cold storage supposes that they are in offline device not in internet by thus making most money unavailable via Internet. This is also not very convenient! Anyway the security is the most important matter you have to take into account when selecting Bitcoin wallet. Some applications are slow about transactions conducting, some are fast but such factors are secondary. The security should be in first place!

BUY BITCOIN PWC FINTECH DIRECTOR TELLS FORDHAM STUDENTS

Representatives from each of the 'Big Four' global auditing firms were in attendance yesterday at New York's Fordham University to discuss blockchain in the capital markets.
There, members of Accenture, Deloitte, EY, KPMG and PWC joined blockchPOINain startup ConsenSys to discuss the future of the industry and to provide career advice to students on the cusp of beginning their professional careers.

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While no companies provided new insight into their public strategies, their off-the-cuff remarks shed light on how traditional financial institutions are becoming more comfortable with the increasingly nuanced technology.
When given an opportunity to address the crowd, Subhankar Sinha, a PwC fintech director, told students that the best way to get involved in the industry is to buy and hold bitcoin and ethereum.
Sinha told the crowd:

"Buy it with your own money. That will give you a tremendous dividend. You have to put yourself in uncomfortable situations. Have an open mindset.”

Positive predictions

Elsewhere, there was discussion about how the industry might evolve.
An introduction from Fordham professor Dr Frank Hsu outlined the history of blockchain, drawing analogies to the TCP/IP protocol – an internet technology developed in 1983, but that did not gain mainstream adoption until 1995.
"Using that framework, blockchain, started in 2008, should gain mainstream status by 2020," he said.
Panelist Chris Broderson, Capital Markets researcher at Accenture, focused on healthcare, stating that cryptographic technology will allow medical records to be easily stored and transferred via blockchain applications while also reducing fraud.
Finally, panelist Vanessa Grellet, an ethereum executive and chair of Nexus Impact Investing Group, predicted that blockchain will disrupt the legal, financial services and remittance industries.
She ended with an appeal to students: "Follow your passion, doing something you love, stick with something for two to three years to build expertise and knowledge in your field."
And stressing the passion that those in the industry have for the technology, panelist and EY financial services manager Mike Maloney said:

"Nobody gets in Twitter fights over Swift and ACH."

 

BITCOIN INVESTOR ROGER VER TO PUSCH FOR OKCOIN LIQIUDATION IN COURT

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Roger Ver’s fight against Chinese bitcoin exchange OKCoin is intensifying as the noted bitcoin investor attempts to have the business liquidated in a Hong Kong court.
The move comes after months of legal wranglings that have already seen the exchange lose one court case. OKCoin's alleged lack of response to the judgement has now prompted Ver to take further action that could ultimately see the company closed.
Ver first sued OKCoin in September, seeking $570,000 plus unspecified damages in a breach-of-contract suit tied to a dispute over the Bitcoin.com domain.
That conflict deepened amid accusations of forgery, as well as impropriety on the part of OKCoin – allegations that exchange representatives swiftly denied.
In the end, Ver went to court, suing OKCoin's Hong Kong entity. At the same time, Ver and attorney Daniel Kelman prepared a suit against the exchange, as well as its chief executive, Star Xu, over the alleged forgery of Ver’s signature. That suit is pending trial.


According to court documents obtained by CoinDesk, OKCoin never responded in court to the breach-of-contract suit. On 17th November, the court handed down a final and interlocutory judgment awarding the $570,000 to Ver.
Yet, according to Ver and Kelman, OKCoin has yet to respond to both the court's decision, as well as further entreaties.
As such, the two say they intend to go ahead with a request for the Hong Kong court to liquidate OKCoin's local entity in a bid to obtain the funds. According to Kelman, a liquidation petition is currently being drawn up.
He went on to explain:

"OKCoin just stopped responding. It became a one-sided discussion, which basically means sue us. Sue us and stop talking, so they didn’t really give us much of a choice.”

Documents provided to CoinDesk indicate that, after the November judgment, OKCoin’s legal representation in Hong Kong responded by letter on 23rd December, asking that they set aside the original court decision. According to Kelman, they sent a response in turn, requesting an offer – which they never received.
A statutory demand letter was later served to OKCoin’s Hong Kong office on 24th January, reiterating the $570,000 judgment handed down by the court along with $13,867 in accrued interest.
According to Ver, the exchange never responded to that letter, which was also sent to its legal representatives in Hong Kong.
The delivery of that letter triggered a 21-day notice period, which ended this week on 13th February.
When reached for comment, OKCoin said in a statement:

"This case is still under legal proceedings. There is no result in the matter to discuss."

Next steps

The development marks the latest chapter in a dispute that, after exploding across social media last year, has largely faded from public view.
Disclosed emails at the time portrayed an increasingly contentious back-and-forth between Ver and OKCoin representatives – a situation that worsened following the allegation of contract signature forgery, which Ver has since stressed is fact.
Former OKCoin exec Changpeng Zhao later backed up Ver, going on to allege that the exchange inflated its trade volumes with bots and had manipulated the outcome of an audit conducted in August 2014.
At the time, Xu provided several refutations of Zhao's claims.
Amidst that environment, Ver pledged that he would take his case to court, formally filing suit in September. Things went quiet, while Ver turned Bitcoin.com into a bitcoin-focused content platform and mining pool and OKCoin continued with its exchange business.
However, the latest developments could lever the situation into the public eye once again, depending on the court’s decision.
If the request is successful, the court in Hong Kong will push the exchange into liquidation – and from there, the situation could become potentially messy.
“[Then] their company in Hong Kong, that all their customers have an agreement [with], that all the customers trust with their money – regardless of who holds that money – the court is going to put them into liquidation and order all that money back and make everyone a creditor unless OKCoin actually shows up in court to settle this thing,” Kelman told CoinDesk.
As for what will happen after that, the path is less certain.
OKCoin owns business entities in China and Singapore, which could be impacted by the outcome in Hong Kong should the judge approve the liquidation. OKCoin may request that the suit be moved to China, where it keeps its headquarters.
The timing of these latest developments arguably couldn't be worse for the firm. OKCoin has recently come under pressure – along with the rest of China’s cryptocurrency exchange sector – from regulators in the country, including the People’s Bank of China.
Since then, OKCoin has ceased margin trading, added exchange fees and halted withdrawals pending upgrades to its internal systems.

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INTERNATIONAL SECURITIES REGULATORS PUBLISH BLOCKCHAIN RESEARCH

The International Organization of Securities Commissions (IOSCO), a cooperative group of global securities markets regulators, has published a wide-ranging research paper that includes findings on blockchain tech.
The 70-plus page paper, published Wednesday, casts a wider net on the world of fintech, exploring areas such as peer-to-peer lending and robo-advisors. It comes just under a year after IOSCO declared its intention to study blockchain more closely.

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Though largely a broad overview of the different approaches to blockchain seen in the past several years, the paper does outline some of the barriers to adoption facing the securities industry today as it explores use cases and tests prototypes.
One section of note focuses on the challenges related to smart contracts, a perhaps prescient warning given the collapse of The DAO – an ethereum-based smart contract that aimed to act as a funding vehicle – last summer.
The IOSCO report in particular highlights the risk of problems arising from both the automated nature of the tech as well as those developing the contracts themselves. As shown by the case of The DAO, an oversight during coding can have disastrous results.
The report argues:

"Smart contracts in theory reduce human error through automation. However, if an error occurs, it is more difficult to resolve as the operations are linked and embedded in the blockchain, and are self-executing according to the code written in the smart contracts. Also, smart contracts introduce a different type of human error: coding error."

While the report itself doesn't issue any specific recommendations to IOSCO's global membership as it relates to blockchain, it more generally advocates for the use of stronger surveillance technology and cooperation among national-level agencies.
Such steps, the organization goes on to note, can help resolve some of the larger issues that impact the process of regulating technologies that transcend international borders.
"While firms can operate globally, regulation is overseen within national or sub-national borders," IOSCO writes. "This may create challenges in terms of regulatory consistency, as well as cross-border supervision and enforcement. It also creates a potential risk of regulatory arbitrage."

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Domain Name:                                 BITMAGNET.BIZ
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HIYP DORMIENTI (SLEEPERS) COSA SONO?

Investire in HYIP programmi "dormienti" è diventata una strategia redditizia e collaudata per molti esperti. 

Spesso, infatti, non mancano all'interno di portafogli diversificati degli investitori più astuti alcuni "programmi dormienti " da tempo.
Cerchiamo di capire di più.

 Che cosa è um  HYIP dormiente ?

E'  già un programma pubblico e attivo  ma volutamente tenuto lontano dalla attenzione degli investitori da parte dell'amministratore. 

Lo scopo di mantenere la HYIP dormiente è un di  accreditare al programma una "storia", di  lunga durata per aumentare la  credibilità dello stesso.

 Come si raggiunge l'obiettivo di distogliere l'interesse degli investitori?

ovviamente , adotto un  cattivo modello, offrendo  piani di investimento poco attraenti e così via, insomma, fare nulla per evitare l'interesse intorno al progetto.
 Ovviamente durante il sonno, non c'è nessuna campagna pubblicitaria e le spese di tenuta in vita del piano saranno ridotti al minimo.
 I piani vengono aggiunti o modificati e il ​​programma dormiente continuerà a volare sotto il radar fino a quando il tempo è considerato maturo e l'amministratore decide di fare sul serio,  effettuando  un re-styling del programma dandoli  un aspetto più attraente.

Le tipologie  di Sleeper HYIP sono principalmente due: 

TIPO 1. 
Sleeper creato da un amministratore esperto e professionale che utilizza  il GC ovvero script   di serie;   ospitato su un server condiviso; Visibile sul vecchio e affidabile monitor, come ad esempio: HYIPEXPLORER, HYIPBANKER, POPULARHYIP o GOLDPOOL, a volte è lo stesso amministratore gestire uno di questi monitor; Nessun elenco di RCB Monitor; basso tasso di interesse (di tipo 2% settimanale per x 100 giorni). Low-Ref; Di solito, l'unico sistema di pagamento disponibile è Perfect Money; La maggior parte di questi dormientei accetta depositi limitati ($ 50, $ 100 o $ 200) 
In questa categoria ci sono programmi che correttamente si avvicinano alla strategia dormiente volta a obiettivi a lungo termine. 
Si noti che, spesso nelle FAQ c'è una clausola standard: "Il nostro programma si riserva il diritto di rifiutare  i depositi, senza spiegazione del motivo.
A volte nel "Regolamento" si trova  una nota come, "si riserva il diritto di accettare o rifiutare qualsiasi membro per l'adesione senza alcuna spiegazione."

 TIPO 2.
 Sleeper gestito da un  Admin inesperto, ma come il TIPO 1, utilizza gli script standard GC e sono ospitati su server condivisi, possono essere ospitati da RCB monitor proprietà dello stesso amministratore, ma non sono presentati sul monitor più vecchi prima menzionati per ridurre i costi all'osso. 
A differenza del dormiente gestito da esperti, quando il programma si sveglia, nessuna modifica sui piani di pagamento o di affiliazione ed è sempre accettata (avidità) qualsiasi somma investita.

Qual è il momento giusto per investire su uno  Sleeper?


 Investire in un HYIP dormiente ", mentre ancora dorme" è diventata una opzione considerata da alcuni esperti HYIP interessanti. 
Si sceglie di investire in alcuni di questi, piuttosto che su programmi con caratteristiche più professionali, per garantire un reddito passivo basso ma sicuro, tuttavia, molto più alto rispetto al normale tasso bancario.

 Altri "esperti" HYIP preferiscono tenere d'occhio un dormiente, pazientemente aspettando  il momento in cui si sveglierà, e poi partecipare alla festa nel più breve tempo possibile.
 Di solito l'ex dormiente bello pimpante ora ridipinto  durerà per diversi cicli (1-3 mesi), e questo dipenderà da quanto bene l'amministratore saprà come giocare le sue carte e il sostegno degli investitori.
 Il programma di solito non si chiude in fretta, perché l'Amministrazione ha perso tempo e denaro per mantenerlo mentre dormiva e ripagare lo sforzo di guadagnare credibilità richiede pazienza e permette agli investitori veloci un certo guadagno. 
Occorre però  essere consapevoli del fatto che alcuni programmi taglieranno arbitrariamente una parte del deposito iniziale quando  chiederemo  il ritiro a scadenza, in genere il 10%, e ciò si verificherà, perché, come abbiamo detto, nella fase di sonno Admin tende a ridurre le spese al lumicino. 
L'amministratore, insomma, non consente un facile abbandono del programma e deve continuare a sostenerla da ri-investimenti fino al momento in cui si  sveglia altrimenti sarà penalizzato. 

CHINA FEARS SPREAD BEYOND BITCOIN AS CRYPTO MARKETS SLIDE

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The digital currency markets experienced widespread price declines today, as concerns surrounding the latest developments in China motivated many traders to sell off not only bitcoin, but alternative digital assets.




The development follows the PBoC's announcement today that it warned several domestic exchange operators that they must comply with regulations or risk being shut down. Traders also received startling news from major operations Huobi and OKCoin that, effective immediately, they would suspend bitcoin withdrawals for one month.
Markets reacted strongly to these developments, with bitcoin prices falling to as little as $942 at 14:30 UTC, a more than 10% decline from the opening price, according to the CoinDesk Bitcoin Price Index (BPI).
The digital currency then recovered, rising to $975.21 at the time of report.
Yet, even after this increase, bitcoin prices were still roughly 7.5% lower for the session, BPI figures show.

Impact spreads

Even in alternative digital asset markets, the impact of the development in bitcoin was widely felt.
Ether, which powers the smart contract-based platform ethereum and is the second-largest cryptocurrency by market capitalization, fell to as little as $10.67 on CoinMarketCap, down close to 7% since the start of the day.
The digital token then recovered lost ground, reaching $10.92 at the time of report. Yet, even after making these gains, ether was roughly 4.8% lower for the session at time of writing.

Ether classic, which was created roughly six months ago as a result of an ethereum hard fork, provided the most striking example of a price decline, dropping upwards of 20% for the day to $1.20 on CoinMarketCap, after trading at $1.47 at 12:04 UTC.
The digital currency, which helps power the smart contract-based platform ethereum classic, later rose to $1.28 at the time of report.
At this price, ether was roughly 12% lower for the day.
Monero, a digital currency that leverages ring signatures to help provide market participants with a high level of privacy, fell to as little as $11.83 during the day, close to 8% below the price of $12.83 at 12:04 UTC, according to CoinMarketCap.
At the time of report, the digital currency had recovered slightly, trading at $11.91, still more than 7% lower for the session.

Growing up

The fact that digital currency prices suffered widespread declines today, and then proceeded to recover, is merely part of a broader trend, Jacob Eliosoff told CoinDesk.
He emphasized that in some cases, news that bodes poorly for bitcoin "may actually help (or at least be neutral for) other major coins." He pointed to a bug in bitcoin's blockchain or a major disagreement between bitcoin developers as potential examples.
However, news that causes bitcoin prices to push lower usually has the same effect on the price of altcoins, he said.
The high correlation that exists between the price of digital currencies may simply be a sign of the market’s immaturity. Bitcoin was the first cryptocurrency to scale, and has grabbed the lion's share of the total market capitalization owned by these digital assets. (In most cases, you have to buy bitcoin before purchasing other altcoins).

Watch and wait

However, several altcoins have risen to prominence by offering some compelling value not provided by bitcoin.
Ethereum, whose currency ether had a market capitalization of roughly $970m at the time of report, has drawn interest by offering developers a platform where they can create applications that rely on smart contracts.
Likewise, Monero, the fifth-largest digital currency by market capitalization according to CoinMarketCap, has carved out its own niche by offering a level of privacy far higher than that of bitcoin.
In this way, Eliosoff and others are hoping that the "extreme correlation" that exists between the prices of digital currencies today will diminish over time as more establish singular use cases and establish unique infrastructure.
As evidenced by today's moves, however, this development remains in the distance.

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Blockchain as a Geopolitical Tool

Noelle Acheson (@NoelleInMadrid) | Published on February 6, 2017 at 11:00

Noelle Acheson is a 10-year veteran of company analysis, corporate finance and fund management, and is a member of CoinDesk's product team.
The following article originally appeared in CoinDesk Weekly, a custom-curated newsletter delivered every Sunday, exclusively to our subscribers.

CoinDesk published a news item this week that, at first, seemed pretty ordinary. Dig deeper, though and you uncover an unusual development that highlights intriguing socio-economic and geopolitical trends.

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To begin, let’s look at the "what, where and why".

The What

A bank is implementing a blockchain-based cross-border payments system.
The National Bank of Abu Dhabi (NBAD), the second largest lender in the United Arab Emirates (UAE), announced it would introduce real-time cross-border payments using Ripple technology – a move that makes it the first bank in the Middle East to do this.

The Where

The UAE is the sixth largest originator of remittances in the world, sending approximately $19bn a year (staggering given that it ranks 93rd in population).
This stems from the fact that 90% of the UAE’s residents are expats. Most are relatively low-paid workers from India, who help to fulfill the demand for labor generated by high infrastructure growth.
The region’s finance, technology, transport and energy sectors also attract a large community of foreign professionals.

The Why

It makes sense for banks to invest in a technology that can boost remittances in a region with strong cross-border flows. And according to the bank’s statement, the aim is to offer customers cheaper and faster payments.
However, that’s not the whole picture.
NBAD already has an innovative remittance structure. Given the weight of cross-border payments in bank activity, innovation in the sector has been flourishing, and prices have been under pressure due to stiff competition.
Many bank cross-border payment services take less than an hour as it is.
But with prices coming down, margins are tight, and banks have a strong incentive to reduce the costs of managing remittances. So, it's likely that the move to the blockchain has more to do with the bank’s profitability than the client’s experience.
Yet, even that is unlikely to see a big immediate impact. To start with, NBAD will not be migrating its remittance services to a blockchain. Instead, it plans to integrate the new service into its current offering, which mitigates both risk and the benefit to the bottom line.
While the effect will eventually be positive, the most interesting part of this step does not lie with the bank’s business model.

The big picture

Let's take a look at the outlook for the region.
While infrastructure growth is expected to remain strong at least until the 2020 World Expo, declining oil revenues cast clouds on the capacity of the government to maintain the same level of expenditure.
A resulting drop in immigration would have a negative impact not only on bank profits but also on the region’s GDP, compounding the effect of falling commodity prices and shifting international trade politics.
Here’s where we see change.
Recently, UAE institutions have shown increasing interest in blockchain technology and its use cases. Dubai’s Ministry of Finance is co-hosting a blockchain conference later this month with the IMF. One of the UAE’s largest telcos recently began securing health records on the blockchain. The Abu Dhabi Stock Exchange has launched a blockchain-based voting system. The government of Dubai is looking into the technology as part of its Smart Cities drive.
And this is just scratching the surface…
So, the latest initiative seems to be part of a broader push to explore and implement a promising new technology, which itself is part of an even grander goal.
With its future as a global energy center uncertain, the UAE has for some time been looking for other ways to maintain its role on the world stage. The flourishing communities of academia and research, a favorable tax regime, and the push to attract FinTech and blockchain startups all point to a strategy of strengthening the emirates’ position as a financial and technology hub.
Assuming it succeeds, the resulting inflow of talent and investment will create a virtuous cycle of innovation and more investment, cementing the region’s global reputation and relevance.
The lesson to all of us is that the blockchain is about much more than efficiency and innovation. It also is a powerful tool that can help to future-proof the growth and wealth of entire regions.

BLOCKCHAIN IN JAPAN "GALAPAGOS SYNDROME"

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Like the islands that inspired Charles Darwin’s seminal work on evolution, "On the Origin of Species", Japan’s technology sector is a diverse place that, historically, has had some interoperability issues.
The same isolation that led to the evolution of the giant tortoise, the marine iguana and 13 unique species of finch in the Galapagos Islands has led to similarly surprising diversity of tech in Japan, ranging from feature phones with solar panels to tiny cars and ATMs from which Westerners can't withdraw funds.
This local quirk is called 'Galapagos Syndrome' in Japan, and while this chronic uniqueness has led to an impressive array of fascinating technology, it has also prevented much of these innovations from being adopted around the world.
Behind 'Galapagos', as the trend is called for short, is a desire by the Japanese government for the island nation to maintain its distinctiveness in an increasingly global economy, according to Yoichiro 'Pina' Hirano, founder and CEO of Tokyo-based Infoteria, a middleware provider that helps connect the front and back offices of 5,700 companies around the world.
As it turns out, the key to overcoming the Galapagos trend might be found in the nation's varied blockchain ecosystem.
Hirano is the co-founder of the Blockchain Collaborative Consortium (BCCC), which aims to create platform-neutral blockchain interoperable solutions for a diverse set of industries.
According to Hirano, who was once an early employee at Lotus 1-2-3, the Japanese government doesn’t set out to isolate Japan and its 127 million inhabitants. But a policy of standards selection and investment has largely cut off the nation’s technological developments from the rest of the world.



As it turns out, the key to overcoming the Galapagos trend might be found in the nation's varied blockchain ecosystem.
Hirano is the co-founder of the Blockchain Collaborative Consortium (BCCC), which aims to create platform-neutral blockchain interoperable solutions for a diverse set of industries.
According to Hirano, who was once an early employee at Lotus 1-2-3, the Japanese government doesn’t set out to isolate Japan and its 127 million inhabitants. But a policy of standards selection and investment has largely cut off the nation’s technological developments from the rest of the world.
In conversation with CoinDesk, Hirano said:

"The Japanese government wanted to differentiate the new technology from the [rest of the world], so they put their budget to some unique features for Japanese companies. But the other result is bad interoperability, or bad compatibility. So that makes a 'Galapagos' product."

Locked-in industry

In addition to an investment strategy that Hirano said incentivizes global market differentiation, as well as a disproportionate percentage of Japanese companies actually being owned by the government, he said other decisions have led to the country being cut off.
Japan has also implemented unique technology standards that make it more difficult for foreign competitors to compete in the local market, while simultaneously making it harder for Japanese companies to expand internationally.
The BCCC has adopted a different philosophy. The consortium aims to be blockchain neutral, with multiple large-scale projects currently being developed to enable international business. Support for the initiatives is expected to come from founding member Microsoft’s Azure cloud computing services and others.
Of the 120 companies Hirano now lists as members of the consortium, the vast majority are based in Japan, with a few outliers, like Microsoft, based in Seattle, and ConsenSys, based in New York.
However, all are committed to the same cause: breaking down Japan’s Galapagos Syndrome by building on distributed ledger tech.
The BCCC’s founding charter states:

"We who believe in the future of blockchain technology, strive to help Japan stay competitive and contribute to the evolution of blockchain technology by sharing information, competing fairly, promoting blockchain, actively expanding the scope of blockchain applications, and supporting funding for blockchain research. We will coordinate with other blockchain organizations around the world."

Building a crypto-yen

Formally launched in April of 2016, the BCCC has grown from 34 founding members to 120 today, many of which are active participants in building two blockchain proofs-of-concept (PoCs) revealed to CoinDesk.
The first PoC is a project aimed at creating a digital version of Japan's national currency, the yen.
In total, Hirano expects about 30 companies will participate in the 'Digital JPY' project.
While the Bank of Japan is not currently participating in the PoC, Hirano said he explained the plan to the central bank on 19th January and officials there reportedly expressed interest.
"They said they cannot join," Hirano told CoinDesk. "But they want to observe."
A second PoC currently being developed is a blockchain implementation of Japan’s Smart Cities initiative to automate large groups via the Internet of Things powered by a shared ledger. Hirano expects about 20 team members will join that project.
While many of the BCCC members are currently doing independent blockchain research and constructing their own PoCs, Hirano said the consortium efforts are of a different sort.
"We want to exchange that knowledge and we want to make some inter-company proof-of-concept work," he explained. "Especially in the financial industry, blockchain implementation needs to be inter-financial [effort]."

Skills shortage

As the BCCC's projects have progressed, though, one common problem has arisen: a lack of staff trained in the art of the blockchain.
The problem is so pronounced that, in May, Reuters reported that a shortage of blockchain engineers was causing Japan to fall behind other regions' efforts, including Europe and the US.
To help BCCC members solve the problem, the consortium last year launched Blockchain Daigakko, an educational effort devoted to training students to help give them the skills to build with blockchain.
So far, 99% of the 100 students who have graduated have come from the consortium’s own membership, according to Hirano, and returned to those jobs after graduating the two-month class. Courses are taught by BitBank adviser Jonathan Underwood, a native of the US who moved to Japan eight years ago.
Hirano breaks down blockchain developers into two categories: those who build blockchains, and those who build on blockchains. Member demand largely focused on those who build on existing blockchains, and so the class curriculum is designed accordingly.
"For the companies, for the industries, blockchain engineers who can use and who can implement blockchain are very much needed," said Hirano. "People feel the shortage."

Leaving Galapagos behind

As Japan’s years-long escape from Galapagos Syndrome has faced its obstacles, blockchain has increasingly been seen as a way to connect the nation.
In addition to recent reports that Japan’s central bank has been "test driving" distributed ledgers, the Japanese government itself is funding travel costs for three of its country’s native blockchain startups to attend the “Project for a Bridge of Innovation between Silicon Valley and Japan”, an international cooperative effort.
But the problems of interoperability cited by Hirano are far from exclusively a Japanese problem.
Because the network effects of blockchain are amplified by the number of users, the push for better networks is truly global. Global accounting firms, standards bodies, startups and legacy institutions have all been working to ensure a fabric of blockchains is interconnected.
While nationally specific standards and proprietary blockchains can be used to create benefits for those that employ them, Hirano argued the benefits are only short-term and will eventually restrict growth.
Hirano concluded that, for blockchain consortia to truly blossom, they should learn a lesson from Japan's Galapagos Syndrome, adding:

"It’s not easy, but that is our big mission in Japan, to make blockchain powerful and take the full potential of blockchain to any company."

FONTE;COINOMIA

HYIP COSA SONO?

 "HYIP 1-day" A BREVE TERMINE

 per ottenere GUADAGNI nel più breve tempo possibile. 

 rischio molto alto, 

modo per perdere soldi in fretta

 Per importi inferiori a $ 500,

Abbiamo sempre consigliato di non investire grosse somme in un unico programma, il rischio non vale la pena il guadagno. 
L' interessse di base per un A1D con il dato di ingresso è l'ordine del 2-2,5% e il rischio di perdere il capitale per incassare un paio di dollari non è certamente la pena, soprattutto perché tale importo sarà anche ridotto da spese di transazione. 

A volte questi programmi offrono anche opzioni A3D e a5D o addirittura superiore, alla nostra esperienza, è meglio non investire oltre il periodo di 5 giorni, c'è il rischio che qualche OTTIMISTA SPROVVEDUTO   entrI con un investimento di $ 5-10.000 e a quel punto l'amministratore, prenota  l'aereo e se ne fugga ad Ibiza! 



 MEDIO & LUNGO TERMINE

 i programmi di medio e lungo termine, sono programmi in cui si ottiene l'interesse del 1-2% al giorno per 100 giorni o più, può o non può avere limiti di tempo, può o non può avere una percentuale massima di guadagno.

PROGRAMMI BANCA PIGGY

Sono quei programmi che permettono il ritiro del capitale in qualsiasi momento, di solito con la detrazione di una percentuale del 5-10%, a volte, ma raramente senza alcuna commissione 

 BTC-SOLO PROGRAMMI

 I programmi in cui si può investire solo attraverso il bitcoin cripto-valuta, di solito hanno una formula con interesse ogni ora, che possono oscillare 0,1-,2% all'ora. 

ADS IBRIDI 

 Nuova categoria che può essere inserito nel BCT-only, ma che ha introdotto elementi di maggiore interesse. 
Questa nuova generazione di  HYIP unisce la logica delle FAUCET , supportati da reti ADS con quello degli investimenti ad alto rendimento.
Non è quindi  necessario alcun tipo di investimento per iniziare ad accumulare Bitcoin, ma semplicemente  registrarsi  e "rivendicare " tramite il  rubinetto interno. 
 Ovviamente, se si investe, è possibile aumentare il valore della domanda e la capacità del proprio account, o il valore massimo cumulato BTC tra una richiesta e l'altra.
 Un'altra caratteristica è la quantità minima di ritiro  e l'intervallo di timebetween tra ritiro e l'altro, questi parametri varinoa a seconda del progetto e del piano di investimenti. 
È anche possibile accumulare co reddito extra  fonte, i fondi sul sito, spesso, questi nuovi programmi ad ogni mezzanotte offrono un bonus giornaliero in base alla quantità.