have looked at many and varied crypto/real estate projects, but CurveBlock continues to impress. Opening up an otherwise unobtainable sector to the average investor whilst donating profits to charities is a unique design. Set on disrupting an outdated and rather discriminatory industry, CurveBlock are bringing opportunity to the masses.The idea that ordinary inexperienced people alongside property investment professionals can invest and earn a passive income from the property sector is revolutionary for both the property investment and cryptocurrency space. It has the potential to open new opportunities for all as well as bring in mainstream investment to the cryptocurrency marketactivities confirm the level of trust they are building not only in the crypto-space, but also traditional sectors.Led by their visionary founder & CEO Gary Woodhead, the CurveBlock project is steaming ahead at an impressive rate of knots. The latest developments include:The first Security Token Offering (STO) to be Accelerated by a U.K. Commercial Bank;Addition into the NatWest Bank Accelerator & FinTech Accelerator programs;Proposed addition to the NatWest Bank ScaleUp Accelerator program;Presenting at a private UHNW (ultra high net worth) real estate conference in Monaco;Pitching to the shark tank at the Blockchain goes Hollywood event;Listing on Seedrs, allowing even small investors the opportunity to personally own equity in CurveBlock;A US based hedge fund looking to invest approx $1M with the view of taking the CurveBlock model and rolling it out immediately to Korea and Asia as a whole;The recent addition of some 'big hitters' onto their advisor team such as Toni Lane Casserly (affectionately entitled, "The Joan of Arc of Blockchain" and Co-Founder of CoinTelegraph) and Laura Inamedinova (columnist at Forbes and Huffington Post)I recently reached out the Gary Woodhead (CEO) and asked him to clarify what the driving factor was behind the project."The ordinary/inexperienced members of public should have the exact same rights to Real Estate Development profitability as what professional property investors & institutions enjoy. Real estate developing is an outdated and biased world where the rich get richer and the poor stay poor, CurveBlock aims to disrupt this age old status quo and allow everyone to share the spoils of real estate developments irrespective of how much they have to invest."CurveBlock continues to impress and is certainly lining up a revolution in both cryptocurrency and property development. If you haven't been able to invest in real estate previously due to either lack of knowledge or funds, this could be your chance. It's a unique offering which allows us all to reap rewards from a sector which was previously unavailable for manysure is a project to keep an eye on.If you would like to know more, all the relevant CurveBlock links are below:Webite: https://twitter.com/CurveBlockIOMedium: https://medium.com/@curveblockFacebook: https://wwwThis article is based purely on my opinion. I do not endorse any of the companies or branding that I write about. I use them for demonstration purposes only, to make a point or as an example. This is not financial or any other form of advice. Always do your own research.

distributed ledger-based and digital currency technology — otherwise known as Central Bank Digital Currencies or CBDCs.Whether it was the perceived threat of Libra, the growing demand for digital money, or forced digital transformation as a result of Covid-19, Central Banks all around the world have begun initiatives to explore the use and risks of using stablecoins and digital currencies pegged to the central reserve via the country’s native currency. Some look towards distributed ledger and blockchain technology while others shy away. Check out the below list to see which banks are up to what when it comes to launching a CBDC!Currently, we have identified at least 45+ central banks around the world publicly researching payments technology and its applications, with the potential result being the launch of a CBDC that used distributed ledger, blockchain, or existing fintech solutions. A 2020 survey among 66 central banks by the BIS found that a large number of central banks around the world are actively developing retail CBDCs, with a third stating that issuing a retail CBDC was a medium-term possibility. However, the report did not reveal what each central bank’s responses were, making it unclear who was actively exploring a CBDC. So we decided to research all 66 participants (and others) to try and identify public CBDC programs and will continue to look for new announcements and updates as they are revealed and add them to this list.The following list is in alphabetical order by continent and country. This list was last updated on June 15th, 2020.Africa🇪🇬 EgyptStarted Research: Began exploring the value of a CBDC in December 2018.Initial Stance: The central bank of Egypt (CBE) says that a CBDC can help keep issuance and transaction costs to a minimum compared to banknotes.Stage of Research: The central bank is conducting the feasibility studies in cooperation with a number of international financial institutions without disclosing names or specifying whether the anticipated currency would be traded for banks only or between banks and clientsBlockchain Views: Unclear at this time.Targets: The CBE has not announced any target launch dates for a pilot program or updates since the 2018 announcement.🇬🇭 GhanaStarted Research: The Central Bank of Ghana (BoG) created a payment systems department in 2016. They first revealed their intention to explore a CBDC in November of 2019.Initial Stance: The BoG recognized the benefits of wider financial inclusion in the country given the large percentage of the population that is unbanked. As a result, the BoG has been exploring and implementing fintech payment solutions across the board and is setting up a fintech sandbox for private companies to participate in.Stage of Research: The BoG’s deputy governor, Dr. Maxwell Opoku-Afari, restated in June 2020 that they are actively exploring a CBDC solution. No further information about the progress or results is available at this time.Blockchain Views: The BoG is exploring the full spectrum of options and no clear preference for distributed ledger or blockchain technology has been declared.Targets: There have not been any public target dates set by the BoG at this time.🇲🇺 MauritiusStarted Research: The Central Bank of Mauritius (BoM) first began exploring a CBDC in November of 2019.Initial Stance: “We are determined to make our country a leader in the region, where a well-regulated central bank-issued digital currency becomes a reality.” — BoM governor Yandraduth Googoolye in 2019. No further details were shared other than the CBDC will be designed for both retail and wholesale use.Stage of Research: An announcement regarding a formal pilot project is expected sometime in 2020 after the current central bank’s governor Harvesh Seegolam confirmed the project and upcoming announcement.Blockchain Views: Since no formal CBDC project has been announced, it is unclear what the views of BoM are on distributed ledgers and blockchain technology other than a clear expectation that they would be evaluating them in their upcoming pilot.Targets: The BoM is expected to announce a formal pilot program for the CBDC in the coming months.🇷🇼 RwandaStarted Research: The National Bank of Rwanda (NBR), Rwanda’s central bank, announced that it was interested in CBDCs in August of 2019.Initial Stance: The NBR is looking to learn more from other central banks before it develops and rolls out a CBDC in their own region, specifically citing Canada, the Netherlands, and Singapore as countries to follow. “There are still concerns about how exactly you convert the entire currency into digital form, how to distribute that and how fast can you process those transactions. Challenges come in, if technology is down how do you deal with such issues? We will join in once we are ready.” —Peace Masozera Uwase, Financial Stability Director-General.Stage of Research: The NBR has not announced any official CBDC research programs but is actively exploring it internally. John Rwangombwa, the NBR’s governor said in 2020 “Currently, there is nothing in the pipeline and no commitment to issue a digital currency.”Blockchain Views: The NBR has not made clear if they will be using distributed ledgers or blockchain technologies in the CBDC and it is likely that they would follow in the footsteps of the CBDC programs they are watching.Targets: There have not been any public target dates set by the NBR at this time.🇸🇳 SenegalStarted Research: The Banque Centrale des États de l’Afrique de l’Oues (BCEAO) or Central Bank of West African States first officially began research for the use of digital currency in 2016 but was exploring the concept even years earlier.Initial Stance: The BCEAO was researching into CBDCs specifically to be able to promote financial inclusion, greater transparency with controls for the currency, and the digitization of the financial system in West Africa.Stage of Research: The eCFA pilot is produced with technology created by eCurrency Mint Limited, a company that enables central banks to create their own digital fiat currency, designed to be circulated alongside paper money as legal tender and will be distributed via a local bank, Banque Régionale de Marchés (BRM). The pilot was successful and the eCFA remains to be live and functioning. Results of the pilot have not been published by the BCEAO. The BCEAO represents other nations beyond Senegal. If the eCFA is rolled out successfully in Senegal than the CBDC is expected to expand into most of Francophone West Africa Cote d’Ivoire, Benin, Burkina Faso, Mali, Niger, Togo and Lusophone Guinea Bissau.Blockchain Views: The eCFA technology platform does not use distributed ledger or blockchain technology and is a centralized digital currency system that uses mobile wallet and QR code solutions.Targets: No public target dates for future pilots or rollouts have been set by the BCEAO beyond the pilot being successfully completed in 2017.🇿🇦 South AfricaStarted Research: The South Africa Reserve Bank (SARB) supposedly began exploring the use of a CBDC as early as 2016, developing a 5-year consultation on the matter. At the end of 2019, the SARB issued new crypto regulations to help curb competing currencies and solutions.Initial Stance: The CBDC will be issued at one-to-one parity with the rand, and accepted by businesses and the South African government. The currency will enable instant person-to-person transfer of value without clearing and settlement, the tender said, and consumers must be able to own and transact in the CBDC without the need for a bank account — according to the SARB.Stage of Research: According to a 2018 report, the SARB was trialing a distributed ledger CBDC that was able to process the typical daily volume of the South African payments system in less than two hours with full confidentiality of transactions. The 2016 study is expected to conclude in 2020 with results determining next steps.Blockchain Views: The SARB says that there are no expectations that the future technology platform has to be based on a distributed ledger, blockchain or any other format and that the solution could be based on a combination of technologies.Targets: The 2016 study is expected to conclude in 2020 with results determining the next steps for the development and deployment of the CBDC.🇹🇳 TunisiaStarted Research: Tunisia’s Central Bank, Banque Centrale de Tunisie (BCT), started exploring the concept as early as 2015 with announcements in 2019 that an e-dinar was being tested as a proof of concept.Initial Stance: In November of 2019, the BCT had to clarify that it had no official CBDC stance or pilot program with any third-party in the works for the e-dinar. The BCT said it was conducting internal tests to further evaluate the technology and benefits of a CBDC. The bank is studying the opportunities and risks inherent in these new technologies, particularly in terms of cybersecurity and financial stability.Stage of Research: No new updates have been made regarding the e-dinar since the clarification by the BCT that they were not piloting a live CBDC program. The expectation is that they are currently further evaluating the technology and benefits internally.Blockchain Views: The BCT has made clear that it would review all technical solutions. The company that claimed to be working with the BCT on the e-dinar (which forced the clarification statement) was a blockchain development firm.Targets: No new public targets for an official CBDC program have been announced at this time. The BCT has confirmed that they would be launching a fintech regulatory sandbox for innovations such as this one in 2020.Asia🇰🇭 CambodiaStarted Research: In April 2017, The National Bank of Cambodia (NBC) partnered with Japanese blockchain firm Soramitsu to begin researching a CBDC.Initial Stance: In 2014, the NBC had previously said bitcoin does not fall under its definition of a currency. In 2017, the bank changed its tune in an effort to modernize the financial infrastructure and remove Cambodia’s dependency on the US dollar.Stage of Research: The first tests occurred in April of 2019, where “Project Bakong” was announced. already has the support of 11 national banks, with others expected to join soon. The system is reportedly already testing retail transactions. The platform will support Cambodian riels and USD and offer 24/7, 365 transfer capabilities, with eventual support for cross-border payments using the Bakong CBDC.Blockchain Views: Users will be able to set up a Bakong wallet that will be automatically linked to their bank accounts, allowing easy fiat currency exchange into the new CBDC in real-time. NBC says it will store all transaction data from the platform, suggesting payments may be fully traceable. The Bakong system is built on the Hyperledger Iroha distributed ledger technology.Targets: The Bakong platform’s launch is slated as imminent and expected sometime in 2020.🇨🇳 ChinaStarted Research: June 2017 and completed in 2020.Initial Stance: At the end of 2016, the Chinese government had announced that blockchain would be part of its 5-year technology plan. Despite beginning research efforts China went into a blackout and banned cryptocurrencies and exchanges in 2018. Then suddenly in the fall of 2019, China announced 500 blockchain projects and resumed its focus on a potential Yuan-pegged stablecoin.Stage of Research: The DCEP (Digital Currency/Electronic Payments) is the final version of China’s CBDC that will eventually roll out in the country. The platform is currently being pilot-tested in four large cities around China — Shenzhen, Suzhou, Chengdu, and Xiong’an, a satellite city of Beijing with foreign merchants like Mcdonalds and Starbucks set to accept the CBDC in their Chinese stores. The DCEP is the first CBDC to ever be issued in the eastern hemisphere.Blockchain Views: Exploring blockchain use in a secondary layer but the PBOC has said that it is currently not scalable and that the DCEP looks like more like an evolution of digital payments solution, Alipay.Targets: The People’s Bank of China’s DCEP platform is set to roll out across the country upon successful pilot tests throughout the remainder of 2020 and into 2021.🇭🇰 Hong KongStarted Research: The Hong Kong Monetary Authority (HKMA) began researching a CBDC through Project LionRock in 2017. The first phase of the research was focused on exploring the feasibility of CBDC in performing domestic inter-bank payments, inter-corporate payment in the wholesale market, and delivery versus payment (DvP) debt securities settlement.Initial Stance: The HKMA trialed the first phase with 8 domestic banks and chose R3 as a development partner. A second phase focused on cross-border payments would be carried out with the Bank of Thailand in 2019. Despite the study, in 2018, the acting secretary for financial services and the treasury of the HKMA said that in the “context of Hong Kong, the already efficient payment infrastructure and services make CBDC a less attractive proposition. The HKMA has no plan to issue CBDC at this stage but will continue to monitor international development.”Stage of Research: The HKMA released their report with the BoT on their results of the collaboration at the end of 2019, citing reduced costs, risk, and faster settlement times than the traditional cross-border payments system. In November of 2019, the HKMA also announced a partnership with a subsidiary of the Institute of Digital Currency at the People’s Bank of China.Blockchain Views: The HKMA remains focused on the prospective use of a CBDC for financial institutions rather than retail clients and has been using R3’s Corda platform and security tokens in their research.Targets: A report with the results of further CBDC studies by the HKMA was due for Q1 of 2020. It is anticipated that the HKMA will release further details this year regarding their plans for issuing a CBDC.🇮🇩 IndonesiaStarted Research: Bank Indonesia (BI), the Central Bank of Indonesia, first began exploring the idea of a CBDC for the rupiah in January of 2018.Initial Stance: Despite Indonesia having a blanket ban on cryptocurrencies, BI first began exploring a CBDC because they recognized the potential of the underlying blockchain technology, the need to reduce dependency on physical cash, and the fact that other central banks were exploring doing the same.Stage of Research: The proposed CBDC project in 2018 was designed to last two years, concluding sometime in 2020. According to the head of the Indonesian Blockchain Association, BI has already done several workshops with local fintech companies and that a whitepaper of the results of the program should be released within this year.Blockchain Views: As reported by the Indonesian Blockchain Association, BI has been exploring existing fintech solutions, distributed ledgers and blockchain technology to see which technologies or combination makes the most sense. The whitepaper anticipated for this year is expected to reveal more about BI’s stance on the underlying technology.Targets: The research project is to be finished in 2020 with the expectation that BI will reveal more information about future plans and rollouts for an e-rupiah.🇯🇵 JapanStarted Research: The日本銀 or central Bank of Japan (BoJ) first announced interest in CBDC research in 2017 and named Mizuho Financial Group as the lead bank to develop the pilot project for the J-Coin. The J-Coin is endorsed by the BoJ but is not technically being issued by the BoJ and therefore is not a CBDC.Initial Stance: Prime Minister Shinzo Abe told parliament that the government would work with the BoJ with the ultimate aim is to improve the yen as a means of payment and settlement.Stage of Research: Although no public pilot programs have been initiated by the BoJ, they have shown interest in CBDC research in multiple forms, seeing them as either retail, wholesale, or a hybrid of the two. The J-Coin is one of several reported initiatives the BoJ is exploring to further evaluate and understand the benefits of a hypothetical e-yen. One of those initiatives includes participation with the European Central Bank. No publicly known pilots of an official CBDC by the BoJ are live at this time.Blockchain Views: The BoJ is evaluating all forms of digital currency, including distributed ledger and blockchain technology. No official statements have been made regarding the efficacy or challenges and therefore it is unclear at this time if the BoJ has a preference.Targets: The BoJ has not implemented and official research or pilot programs and has not announced any target dates at this time.🇸🇬 SingaporeStarted Research: The Monetary Authority of Singapore (MAS) first announced exploring blockchain technology in 5 stage research project called Project Ubin in November of 2016. A cross-border CBDC with the Bank of Canada and Bank of England was announced in November of 2018.Initial Stance: The first three phases of Project Ubin explored distributed ledger technology applications for clearing and settlement to delivery on payment. The MAS has notably been working with Accenture, R3, IBM, Microsoft, and J.P. Morgan. Singapore has consistently been focused on digitizing its financial infrastructure and Project Ubin acts as an extension of that progress. “Project Jasper and Project Ubin have built on previous innovations in the payments area to demonstrate that cross-border payment and settlement can be made simpler and more efficient,” said Sopnendu Mohanty, Chief FinTech Officer, MAS.Stage of Research: Project Ubin is in its final (fifth) phase stage of research exploring broader application and implementation of a CBDC. As part of this research, the MAS has developed a blockchain-based payments network with J.P. Morgan and Temasek to enable payments to be carried out in different currencies all on the same network.Blockchain Views: From the beginning of Project Ubin, the MAS has recognized the potential of distributed ledger and blockchain technology. The MAS has gone as far as to develop projects on R3’s Corda, IBM’s Hyperledger Fabric, and J.P. Morgan’s Quorum. It is expected that distributed ledger technology serves as the base layer for Project Ubin.Targets: The research is expected to be completed in 2020, revealing more information about MAS’s views and future implementations (or needed research) for a CBDC in Singapore.🇰🇷 South KoreaStarted Research: Sometime in April 2020.Initial Stance: Originally, the central bank of Korea (BoK) had a wait-and-see approach. With the recent advancement of many other nations also now exploring the technology, the bank has decided to join the race. Still, officials say they are wary of the potential benefits and will be hesitant to launch a CBDC before their research is finished.Stage of Research: The BoK has begun a 22-month pilot study to explore the use of a CBDC as of April 2020.Blockchain Views: Unclear at this time.Targets: To complete the pilot research by February 2022 and reassess the need to offer a CBDC in Korea. Overall, the government has a 10-year plan to study CBDC technology and potentially integrate it into the financial system.🇹🇭 ThailandStarted Research: The Bank of Thailand (BoT) began exploring the potential of a CBDC in August 2018 when they announced that they had selected R3 and 8 other Thai banks to trial with. The CBDC trial was named Project Inthanon.Initial Stance: Project Inthanon is to be rolled out in phases with Phase 1 being developing and testing a proof-of-concept prototype for domestic wholesale funds transfer by using wholesale CBDC. Phase 2 was focused on Delivery-versus-Payment (DvP) for interbank bond trading and repurchase transactions, and regulatory compliance and data reconciliation for third party funds transfer. And Phase 3 was focused on exploring the interoperability amongst ledgers to achieve cross-border funds transfer which includes business modality and implementation of relevant foreign exchange regulations, aiming to reduce associated costs and enhance efficiency — in partnership with the Hong Kong Monetary Authorities’ Project LionRock.Stage of Research: The BoT has completed all three phases of Project Inthanon and has published a report with the HKMA on the findings of Phase 3. No additional phases or projects have been announced by the BoT at this time.Blockchain Views: The three individual phases all proved to successfully quantify the value of a distributed ledger-based CBDC. The report from Phase 3 acknowledges that there were reduced costs, risk, and faster settlement times than the traditional model.Targets: Unclear at this time, but the Phase 3 report suggested further expansion of the testing and platform.Australia🇦🇺 AustraliaStarted Research: Sometime in 2019.Initial Stance: In a speech in June 2018, Tony Richards, the head of the payments policy department of the Reserve Bank of Australia (RBA), said “So for the time being at least, consideration of a possible new electronic form of money provided by the Reserve Bank to households is not something that we are actively pursuing. Based on our interactions with our counterparts in other countries, it is also not front of mind for most other advanced economy central banks.”Stage of Research: In December 2019, the RBA submitted to legislators a proposal to further explore a CBDC, possibly based on blockchain technology. The RBA acknowledges that there is no appetite for a digital Australian dollar at this time, but that there could be uses for commercial banks.Blockchain Views: Currently neutral. The RBA does not rule out cryptocurrencies but recognizes concerns with distributed ledger technology.Targets: The Innovation lab within the RBA has not announced any target launch dates for a pilot program.Caribbean🇦🇮 Anguilla 🇦🇬 Antigua & Barbuda 🇧🇧 Barbados 🇩🇲 Dominica 🇬🇩 Grenada 🇲🇸 Montserrat 🇱🇨 St. Lucia 🇻🇨 St. Vincent & the Grenadines 🇰🇳 St. Kitts & NevisStarted Research: The Eastern Caribbean Central Bank (ECCB) began researching a CBDC for the 8 islands it represents in 2017, implementing a plan to explore and launch a CBDC by 2021.Initial Stance: “We acknowledge that FinTech will eventually transform the ECCU financial system and by extension its regulatory construct. Furthermore, we accept that the ECCB has a responsibility to influence the adoption speed and disruption extent of FinTech innovation in the ECCU.” — ECCB Strategic Plan Report from 2017.Stage of Research: In March of 2019 the ECCB announced a partnership with Bitt, Inc. in order to develop a blockchain-based digital currency. Shortly after, in October, the ECCB announced the DXDC CBDC project.Blockchain Views: The DXDC system uses the secure private blockchain Hyperldeger Fabric for transparency with the network operator (the ECCB) for validating all the transactions.Targets: The ECCB is targeting a 2021 launch date for the DXDC and by 2025 to have a 50 percent reduction in the use of cash, an 80 percent reduction in the use of cheques and growth of between 40 percent and 60 percent in the use of credit cards, debit cards and electronic payment systems in the region.🇧🇸 BahamasStarted Research: It is unclear when the Central Bank of Bahamas’ (CBOB) research in the CBDC began, although the island nation has been moving towards a digital financial ecosystem since the Bahamian Payments System Modernization Initiative was introduced in the early 2000s.Initial Stance: “Cash usage also imposes physical security risks on businesses and creates more exposure to fraudulent losses relative to electronic point of sales transactions. As it relates to physical safety, a widely adopted CBDC would also place users at less risk of violent crimes that target holders of cash. Specifically, the report concluded that “The main purpose of issuing digital currency is to maintain the public’s access to a central bank’s liability in the event that the use of cash declines significantly, as is happening in Sweden, but that issue is not currently relevant to the Israeli economy, since there is no significant reduction in the use of cash. The issuance of digital currency can generate other benefits, including assistance with combating the unreported economy, adaptation with the advanced technological environment, and advancing the fintech sector in Israel.” The paper concluded that issuing an e-shekel in the near future would not be advised.Stage of Research: Since the conclusion of the BoI’s research in 2018, the BoI has not publicly introduced any further CBDC research or pilot programs. It is presumed the BoI continues to evaluate the technology and monitor world CBDC developments.Blockchain Views: The BoI 2018 report suggested that a CBDC would have challenges, specifically saying “There are expected to be quite a few material and technological difficulties and risks in the issuance of CBDC that are mainly derived from the possible effect on the financial system. In addition, such issuance is expected to have an effect on the central bank as the issuer of cash, on its management of monetary policy, and on the payment system.” This is likely in reference to either a distributed ledger or decentralized blockchain model being technically limiting.Targets: Since there are no publicly official research programs that are active in Israel, there are no official target dates publicly available at this time.🇸🇦 Saudia Arabia & 🇦🇪 United Arab Emirates (UAE)Started Research: In January of 2019, the United Arab Emirates’ central bank (UAECB) and the Saudi Arabian Monetary Authority (SAMA) announced a joint venture partnership to explore a cross border CBDC between the two nations. The digital currency would be called Aber.Initial Stance: The main goal of Aber is to create a digital currency that can be used between the two central banks of each nation and limited banks that are hand-selected by the central banks.Stage of Research: There is no new information beyond an update in November 2019 showing confidence in the project. The nations are presumably testing and developing a pilot program.Blockchain Views: The CBDC is said to be limited to financial settlements using distributed ledger technologies on a probational basis. No further details regarding the Aber digital currency have been revealed yet. Both nations have considerable blockchain efforts in other sectors and, therefore, it is expected that the CBDC will explore and ultimately use the technology.Targets: At this time there are no official target dates set for the launch of Aber or for a pilot program to begin.🇹🇷 TurkeyStarted Research: Reports that Turkey was exploring a CBDC first appeared in 2018. The government of Turkey announced a CBDC project as part of its strategic roadmap or the “11th Development plan” in July 2019.Initial Stance: Over the past few years Turkey has struggled with high inflation and has reportedly led to 1 in 5 Turkish citizens investing in cryptocurrencies. In addition, the Presidential Plan announcement included sweeping Fintech changes to the economy as part of a plan to digitize the Turkish financial system.Stage of Research: The Türkiye Cumhuriyet Merkez Bankası (TCMB) is the central bank of Turkey and is working with the government and technology partner, R3. The goal is to develop and deploy a pilot project that tests the feasibility and benefits of the e-lira CBDC.Blockchain Views: The government of Turkey in its report suggests that blockchain is a critical component of the e-lira and that it will be implemented as part of the e-lira roll out.Targets: The government has announced that the pilot project should be completed by the end of 2020 and that the e-lira should be rolled out to the public in 2021.North America🇨🇦 CanadaStarted Research: October 2019Initial Stance: “Cryptocurrencies may become a direct threat to our ability to implement monetary policy and lender of last resort (LOLR) role. An additional payment method could make the payment system more robust. But digital currency also presents a risk to stable, low-cost funding for (banks) (deposits).” — Stephen Poloz, Governor of the Bank of CanadaStage of Research: Initial research began in September 2018. A two-year research proposal was announced a year later. It is unclear when the research started.Blockchain Views: The BoC has no shared any details about the underlying technology and their views on the subject are unclear at this time.Targets: Anticipation for a full report on the research is expected in Fall 2020.🇺🇸 United States of America (U.S.A)Started Research: The United States Federal Reserve (Fed), which is responsible for managing the money supply of the US akin to the European Central Bank working with EU member country’s central banks, the Fed works with 12 different State federal banks in the US. The Fed first officially began exploring CBDCs in 2019. However, the federal reserve in St. Louis released a report on CBDCs earlier in February 2018.Initial Stance: Fed chairman Jerome Powell responded to two legislators’ request for information regarding a US Dollar based CBDC. The chairman responded with the following statements: “While we are not currently developing a [CBCD], we have assessed and continue to monitor the costs and benefits of pursuing such an initiative in the US. Overall, we observe that characteristics that make the development of a [CBDC] more immediately compelling for some countries differ from those of the U.S. For example, the use of cash in some countries there has been a rapid migration by consumers away from cash, while demand for cash in the U.S. remains robust.” He concluded that “In the U.S. context, issuing a [CBDC] for general use would raise important legal, monetary policy, payments policy, financial stability, supervision, and operational questions that need to be considered carefully.”Stage of Research: The Fed has not officially commenced and public programs regarding developing a CBDC research pilot. The Fed continues to look at other CBDCs while doing internal research. In June 2020, the Philadelphia Federal Reserve released a report on CBDCs suggesting that a “central bank cannot invest in long-term projects itself, but instead has to rely on the expert knowledge of investment banks to do so. [The Philadelphia Federal Reserve] has derived an equivalence result that shows that the set of allocations achieved with private financial intermediation will also be achieved with a CBDC, provided competition with commercial banks is allowed and depositors do not panic.” However, the paper also concluded that a CBDC came with a “sinister counterpart.” Specifically, the paper says “If the competition from commercial banks is impaired (for example, through some fiscal subsidization of central bank deposits), the central bank has to be careful in its choices to avoid creating havoc with maturity transformation.” In a press statement on the report, Philadelphia Federal Reserve President Patrick Hacker said “Frankly I don’t think we should be the first mover as a nation to do this… given the dollar’s role as the world’s reserve currency and the need to test out new technology. But he added: “It is inevitable … I think it is better for us to start getting our hands around it.” The State federal reserve says it will continue to monitor and evaluate CBDC benefits and drawbacks. In the meantime, the Fed is working on a payments system called FedNow, a centralized fintech solution offering a real-time payments network for private banks to use as an alternative to The Clearing House (TCH) in the US. The FedNow platform is supposed to launch sometime in 2023 or 2024.Blockchain Views: In the initial 2018 report by the St. Louis Federal Reserve, the article concluded that “a central bank will not issue cryptocurrencies in the sense of a truly decentralized and permissionless asset that allows users to remain anonymous.” It is presumed that in the U.S. the underlying technology would either be a combination of centralized fintech solutions and distributed ledger technology or simply centralized completely.Targets: The Fed does not have an official digital dollar or CBDC research program in place and therefore there are no official target dates publicly available at this time.South America🇦🇷 ArgentinaStarted Research: In 2019, a consortium called the “financial innovation roundtable”, which included the BCRA (Banco Central de la República Argentina), began designing the system. Gibraltar-based IOV Labs was chosen to provide the underlying technology for the platform.Initial Stance: Argentina originally did not look positively towards cryptocurrencies. In 2014, digital assets such as bitcoin were labeled as a form of illegal tender, and with it came a warning of potential fraud.Stage of Research: A proof-of-concept for the permission blockchain network has been created, based on RSK Smart Contract network, along with the major commercial banks in Argentina, including Santander and BBVA. One of the major goals of the proof-of-concept is to show that there are other use cases for blockchain such as smart contracts, other than just cryptocurrencies.Blockchain Views: The BCRA is exploring the full potential of blockchain from DLT to smart contracts, even leveraging the RSK platform for the pilot.Targets: the BCRA has not announced any target launch dates for the pilot program.🇧🇷 BrazilStarted Research: In 2018, Banco Central do Brasil (BCB) created a working group to begin exploring instant payment technology.Initial Stance: The previous president of the BCB, Ilan Goldfajn, had a negative view on cryptocurrencies, calling them “risky.” His successor, Roberto Campos Neto, was much more open-minded and recognized a need for the BCB to play a greater role, including requiring all banks and financial institutions to participate in its CBDC, PIX.Stage of Research: In April of 2020, BCB conducted the first transaction settlement test on PIX. Banco do Brasil, Caixa Econômica Federal, BPP, Sicredi, and Bancoob all participated in the test. The platform is currently undergoing final testing with key financial stakeholders.Blockchain Views: The BCB initially considered blockchain technology for the system but opted in the end to use ICP Brasil Digital Certificate, the Brazilian public key infrastructure that is already used in the National Payment System. PIX team members cited scalability and privacy concerns being the ultimate restriction. Some still believe there will be a bridge to a DLT-based CBDC or, at the very least, a way to create a stablecoin tied to the PIX platform.Targets: A public launch of the PIX system is anticipated for November 10th, 2020, with financial institutions in Brazil being required to register between June and October to participate. For 2022, NFC will be employed in the PIX platform, along with programmed/scheduled future payments, as features. By 2023, the payments will be able to be attached to a document. This means that higher payments (the purchase contract of a house and so on) will be able to be conducted through the PIX system.🇪🇨 EcuadorStarted Research: The central bank of Ecuador, Banco Central Del Ecuador (BCE) began researching a CBDC dubbed the dinero electrónico in 2014, marking it to be the first known country to roll out a CBDC to the public.Initial Stance: Diego Martinez, a delegate of the President of the Republic to the Board of Regulation and Monetary and Financial Policy in Ecuador said of the dinero electrónico launch: “Electronic money will not only help the poor, he added, but will act as a cost-saving mechanism for the government: Ecuador spends more than $3 million every year to exchange deteriorating old notes for new dollars. There would presumably be less wear and tear on the currency if much of it was stored at the central bank while citizens relied on mobile payments.”Stage of Research: The dinero electrónico CBDC is no longer actively operating in Ecuador. In December 2017, Ecuador’s National Assembly, at the urging of President Lenin Moreno, passed legislation to decommission the central bank electronic money system. The legislation simultaneously opened the market to mobile payment alternatives from the country’s private commercial banks and savings institutions.Blockchain Views: The dinero electrónico CBDC was not built on a distributed ledger or blockchain technology and instead relied on centralized fintech solutions to launch in the market.Targets: The ECB has not announced any new research or pilot programs for a new CBDC in Ecuador. Therefore, there are no public target dates available at this time.🇺🇾 UruguayStarted Research: The Banco Central Del Uruguay (BCU) announced an e-peso CBDC pilot program in 2017.Initial Stance: The focus for the BCU was to explore the potential impact of a CBDC in regards to improving financial inclusion, make a more effective tax collection system, and expanding territorial reach. Additionally, the BCU wanted to see if CBDCs were more efficient and potentially cheaper and safer than the current system.Stage of Research: The pilot project lasted one year and was completed in 2018. Since then, the government has been weighing its options and has not yet made any additional investments into further research or rolling out any programs.Blockchain Views: The pilot program results contained no information regarding the use of blockchain or distributed ledger technology. The e-peso program was likely launched with traditional fintech solutions.Targets: The BCU and Uruguayan government have not made any announcements regarding the implementation of the e-peso. No other target dates are public knowledge at this time.Potential Newcomers🇩🇪 Germany 🇮🇳 India 🇮🇹 Italy 🇰🇿 Kazakhstan 🇰🇪 Kenya 🇲🇹 Malta 🇲🇦 Morocco 🇳🇿 New Zealand 🇵🇭 PhilippinesThe above countries’ central banks have expressed interest in the possibility of a CBDC but have not publicly expressed any programs or initiatives towards it. The central banks are likely conducting internal research or waiting for additional results that specifically quantify benefits successfully from any of the other active CBDC programs before proceeding with their own.Special Cases🇻🇪 VenezuelaIn December of 2017, the President of Venezuela announced the launch of Petro coin, a state-backed cryptocurrency linked to the countries oil reserves and is considered legal tender in the country. Venezuela has had extreme economic instability causing many of the population to flock to bitcoin. Many journalists around the world have cited that the Petro coin is just an effort by the government to curb other cryptocurrencies and further control the currency and economy of Venezuela. The US has officially sanctioned the Petro coin and its use and has even offered a multi-million dollar reward for information leading to the capture of the chief crypto head of Petro coin.🇮🇷 IranIran announced plans to launch a CBDC in 2018 with an official from the Iranian government saying “We are trying to prepare the grounds to use a domestic digital currency in the country. This currency would facilitate the transfer of money (to and from) anywhere in the world. Besides, it can help us at the time of sanctions.” Iran is facing sanctions from the US and is looking at blockchain and distributed ledger technology to offer an alternative and navigate financial constraints created by the US sanctions.🌐 LibraLibra is a stablecoin that was designed to be the universal currency. Central banks around the world saw the launch of Libra as an existential threat and as far as potentially an audacious move by Facebook to become the largest bank in the world overnight — despite Libra being a separate organization with corporate members located all around the world. Their launch caused many central banks all around the world to expedite their research around CBDCs. A universal, stablecoin currency has been cited by many critics as a threat to monetary policy, central bank controls and influence, and financial stability. As a result, the Libra coin has been shunned by leaders of central banks all around the world and is still seeking regulatory approval from Switzerland’s FINMA regulator to authorize their launch to the world with the full support of financial regulators to ensure Libra’s authenticity.If you have seen new updates or new CBDC programs launch that are not on this list, please leave a comment below and we’ll validate the information and update our list.If you enjoyed this list, be sure to check out more research and articles at Medium.com/Security-Token-Group. For Security Token market insights visit STOmarket.com.

(max-width:767px){.adsslot_sxH7BCaZdQ{width:320px !important;height:50px !important}} (adsbygoogle = window.adsbygoogle || []).push({}); Home Business The Blockchain 50 – The Full List by Michael del Castillo 2019-04-16 in Business 0 491 SHARES 1.4k VIEWS Share on FacebookShare on Twitter .adsslot_slpOd5ZLfB{width:580px !important;height:400px !important}@media (max-width:1199px){.adsslot_slpOd5ZLfB{width:468px !important;height:60px !important}}@media (max-width:767px){.adsslot_slpOd5ZLfB{width:320px !important;height:50px !important}} (adsbygoogle = window.adsbygoogle || []).push({}); (adsbygoogle = window.adsbygoogle || []).push({});Blockchain 50ForbesEnterprise blockchain is an area I have covered since 2012, so when Forbes editors told me they were interested in creating a first ever Blockchain 50 list and that I would be tasked with leading our coverage I was eager to take on the project. The list and the reporting below represent the collective work of a dozen reporters and editors and well as advice from consulting firms and other experts in this budding field. We limited our search to companies that had a minimum valuation or sales of $1 billion and those with U.S. operations. I urge you to read the accompanying full feature story “Blockchain Goes To Work“ as well as some of our other related coverage found here. The Blockchain 50 – Edited by Matt Schifrin and Janet Novack. Reported By Michael Del Castillo, Jeff Kauflin, Sarah Hansen, Kristin Stoller, Alex Knapp, Jonathan Ponciano, Amy Feldman Karsten Strauss, Lauren Debter, Rachel Wolfson, Darryn Pollack. Allianz SE, Munich, GeA man walks past the Allianz logo before the financial statement press conference in Munich, Germany.picture alliance via Getty ImagesThe insurance giant has been testing blockchain for a variety of products. For example, a joint venture that sells flight-delay insurance has used a smart contract that initiates a claim as soon as a flight is delayed by a set period of time. The customer gets a notification on his smartphone, enters his bank account details and payment is made.Blockchain platforms: Hyperledger Fabric, Corda trial leader: Robert Crozier, head of Allianz’s Global Blockchain Centre of CompetenceAmazon, SeattleAmazon Web Services offers blockchain tools to help companies that want to use distributed ledger technology but don’t want to develop it themselves. It’s a clever way to maintain its dominance in cloud computing, Amazon’s most profitable business line, with a 2018 operating profit of $7.3 billion. Cloud clients using its tools include Change Healthcare, which helps manage payments among hospitals, insurers and patients; Guardian Life Insurance; HR software provider Workday; and securities clearinghouse DTCC. Blockchain platforms: Hyperledger Fabric, Ethereum (later in 2019)trial leader: Rahul Pathak, general manager of Amazon Managed Blockchain at AWSAnheuser-Busch InBen, Leuven, Belgium The brewing giant is involved in a pilot program in the San Francisco Bay Area where consumers upload their driver’s license information to a blockchain and can then buy beer at a vending machine simply by scanning their phone. In Africa, the world’s fastest-growing beer market, AB InBev has a partnership with BanQu that uses blockchain to provide pricing info and payments to farmers lacking bank accounts. That could make it possible for the company to work faster, and with more farmers, to ramp up its African operations. Blockchain platforms: Ethereum, Cordatrial leader: Tassilo Festetics, VP of global solutionsAnt Financial, Hangzhou, China Fintech power Ant Financial has developed a proprietary blockchain that is used, among other things, to keep tabs on the products sold on a marketplace run by Alibaba, a part owner of Ant. For example, customers can trace a diamond’s sourcing back to a trading center in Antwerp and see grading, cutting and polishing records. Separately, in June 2018, Ant’s payment app, Alipay (with a billion-plus users worldwide), launched a blockchain-based service offering money transfers directly between people in Hong Kong and the Philippines that can be completed in just seconds. Blockchain platforms: Ant Blockchaintrial leader: Geoff Jiang, VP of Ant FinancialBBVA, Bilbao, Spain BBVA Bank in Barcelona, Spain. LightRocket via Getty ImagesLast November, Spain’s second-largest bank announced its first blockchain-based syndicated loan, a $170 million deal for Red Eléctrica Corporación, Spain’s electrical grid operator. With nearly $5 trillion in loans being syndicated worldwide each year, the transparency, security and efficiency of blockchain could make a big difference. Blockchain platforms: Hyperledger Fabric, Corda, public Ethereumtrial leader: Carlos Kuchkovsky, CTO, new digital business Bitfury, AmsterdamWhile $500 million (revenues) Bitfury is still best known for selling hardware for bitcoin mining, it is now also building blockchain services for enterprise customers. In 2017, it launched the Exonum blockchain, designed specifically to make it easier for enterprises to use the bitcoin blockchain. One early customer, the Republic of Georgia, is using Exonum to record and transfer land ownership. Blockchain platforms: Exonum, Bitcointrial leadership: Valery Vavilov, CEO and cofounder BNP Paribas, ParisWhen Rio Tinto sells iron ore to Cargill, the food giant doesn’t pay right away; instead it presents a bank’s letter of credit. BNP Paribas is trying to move letters of credit from paper to a secure distributed ledger. In November 2018 Paribas worked with HSBC Singapore to complete the first fully digitized letter-of-credit transaction. Commodities finance dates back to 4,000 B.C. Sumer, and old-line banks like France’s BNP Paribas dominate. Maintaining a digital edge in this business is a matter of survival.Blockchain platforms: Corda, Hyperledger Fabric, Ethereumtrial leader: Jacques Levet, head of transaction banking for Europe, Middle East and AfricaBP plc, LondonLike BNP Paribas, BP is investing in blockchain technology to improve the efficiency of commodities trade finance. It’s a founding member of Vakt, a blockchain platform that aims to digitize parts of energy trading that remain slow, such as contracts and invoicing. So far, BP has invested more than $20 million in blockchain projects. Blockchain platforms: Ethereum, Cardano, Quorum trial leader: Julian Gray, technology director, Digital Innovation OrganizationBroadridge, New York CityThis little-known ADP spinoff controls 80% of the U.S. proxy-voting and shareholder-communications business. Broadridge has a team working to move its core proxy-voting services to a distributed ledger, allowing stockholders to cast their own votes on corporate resolutions and directors in real time—without going through the custodial banks that hold the shares. Broadridge is an investor, alongside banks such as BNP and Citi, in Digital Asset Holdings, which played a trial role in the development of private blockchain ledgers.Blockchain platforms: Hyperledger Fabric, DAML, Quorumtrial leader: Michael Tae, head of strategyBumble Bee Foods, San DiegoBumblebees chunk light tuna can foodfood Moment Editorial/Getty ImagesThanks to help from developers at SAP, Bumble Bee is using a blockchain to provide complete transparency to its tuna supply chain all the way from the pole-and-line-catch fishermen sailing the South Pacific to grocery stores in the United States. Given current concerns about food safety and sustainability, instilling confidence in its albacore product is paramount. Moreover, the entire tuna industry has been targeted by environmental activists for killing dolphins. The company that can demonstrate provenance of its catch could demand a premium price. Blockchain platform: Multichaintrial leader: Tony Costa, CIO Cargill, Wayzata, Minnesota The agricultural giant that popularized high-fructose corn syrup began testing Intel’s Hyperledger Sawtooth before Thanksgiving 2017 to track turkeys through its supply chain as they made their way from farm to supermarket. Cargill has committed a team of engineers to work with Intel and enterprise blockchain startup Bitwise to help build Hyperledger Grid, which will track food back to its source—a crucial step in this day of food-contamination scares. By getting in on the ground floor with this Grid, Cargill could be in a position to sell its expertise to other suppliers.Blockchain platforms: Hyperledger Sawtooth, Hyperledger Gridtrial leader: Keith Narr, VP, Cargill Digital LabsCiox Health, Alpharetta, Ga As the biggest manager of medical records in the U.S. (its software is used to securely transfer records between healthcare providers), Ciox figures the blockchain could cut paperwork redundancies, reduce medical mistakes and provide it a new source of subscription income. It has established a team to evaluate which blockchain platform to build on. Blockchain platform: Ethereum trial leader: Florian Quarre, chief digital officerCitigroup, New York City The bank has invested in a half-dozen startups (Digital Asset Holdings, Axoni, SETL, Cobalt DL, R3 and Symbiont) developing blockchains and distributed ledgers for applications such as securities settlement, credit derivative swaps and insurance payments. Last year, Citi partnered with Barclays and software infrastructure provider CLS to launch LedgerConnect, an app store where companies can shop for blockchain tools.Blockchain platform: Ethereum trial leader: Puneet Singhvi, managing directorCoinbase, San FranciscoWith more than 20 million users and a valuation of $8 billion, Coinbase is the dominant U.S. cryptocurrency exchange. It offers custody, wallet services and both retail and institutional trading platforms. The blue chip among crypto-first financial firms is poised to become even more dominant when institutional usage of blockchain grows.Blockchain platforms: Bitcoin, Ethereum, XRP, Lumentrial leader: Brian Armstrong, CEO; his Coinbase holdings make him a billionaireComcast, PhiladelphiaThe NBC-TV network peacock logo embellishes a granite wall near the entrance to the Comcast Building in New York City.Getty ImagesComcast owns MState, a venture capital firm that has invested in at least seven enterprise blockchain startups, including Blockdaemon, which builds software to help enterprises build applications that use Bitcoin and Ethereum and comply with current regulations (for example, from the SEC or protecting healthcare privacy). Last December, Comcast partnered with competitors Viacom and Spectrum Reach to launch Blockgraph, which aims to allow advertisers to precisely target ads to viewers, without disclosing viewers’ personal information to those advertisers.Blockchain platforms: Bitcoin, Ethereum, Hyperledger Fabric, Quorum trial leader: Gil Beyda, managing director, Comcast VenturesCVS Health, Woonsocket, RI New CVS subsidiary Aetna is a member of IBM’s Health Utility Network, a group (including Cigna and Anthem) working to create a distributed ledger of information available to patients, providers and insurers. As its first project, the network plans to publish tamperproof, unforgeable medical credentials so patients can check out their doctors. Other projects being considered would combine data from different insurers to make it easier to share information between doctors and insurers and prevent prescriptions that conflict, with the aim of improving care while cutting costs. Blockchain platforms: IBM Blockchain, Hyperledger Indy, Hyperledger Sawtoothtrial leader: Claus Torp Jensen, CTO of both CVS and AetnaThe Depository Trust & Clearing Corporation, Jersey CityA warehouse of sorts that provides custody, clearing and settlement for $1.85 quadrillion in transactions per year, DTCC is planning to move its $10 trillion-a-year credits derivatives tracking operation to a customized blockchain. If the new system, scheduled to launch by the end of the year, is successful, it could eliminate massive record redundancies and prove that centralized middlemen have a place in a decentralized ledger world. Blockchain platform: Axcoretrial leader: Rob Palatnick, chief technology architectFacebook, Menlo Park, CAIn January 2018, CEO Mark Zuckerberg disclosed in his annual statement that the social media giant was studying cryptocurrency’s potential. In May of that year he moved former PayPal president and Coinbase board member David Marcus from his position as vice president of messaging to head up a secretive team exploring blockchain and its applications. This past February, Zuckerberg told Harvard law professor Jonathan Zittrain he was interested in letting users log in to websites with blockchain-based identities instead of Facebook Connect—a change that could have big implications for the way Facebook monetizes its users’ info.Blockchain platforms: Unknowntrial leaders: David Marcus, blockchain leadFidelity, BostonThe 73-year-old fund giant began mining bitcoin in 2015 as a way to learn about digital assets. This year, it launched a custody service for institutional investors who want to store bitcoin securely. It’s also building a trading platform that allows a large block of crypto to be purchased by executing orders across multiple exchanges. About 100 Fidelity employees are now devoted to digital assets. Having originally missed the ETF explosion, Fidelity will be at the forefront if crypto-assets go mainstream.Blockchain platforms: Bitcoin, Ethereumtrial leader: Tom Jessop, president, Fidelity Digital AssetsFoxconn, Taipei, Taiwan A man walks past a Foxconn logo in Taipei on January 31, 2019. AFP/Getty ImagesThe giant Chinese manufacturer has pilot projects under way that use blockchain to streamline supply chain transactions and provide working capital to suppliers. Separately, it is developing a blockchain-enabled smartphone that would make it easier for consumers to spend digital coins. Blockchain platform: Ethereumtrial leader: Jack Lee, founding managing partner of venture arm HCM CapitalGolden State Foods, Irvine, CA This restaurant supplier is participating in IBM’s Food Trust, a consortium of companies aiming to track food along the entire supply chain. In one early application, Golden State is giving all the companies involved in its burger business—from meat processors to shippers to restaurants—access to streaming data about the temperature at which the beef is kept. In addition to improving food safety, such projects could reduce both paperwork and food spoilage, which is estimated to cost $7 billion annually in North America alone, before it reaches the consumer.Blockchain platform: IBM Blockchaintrial Executives: Bob Wolpert, chief strategy and innovation officerGoogle, Mountain View, CA The search giant has made numerous investments in blockchain, including Veem, a payments startup that lets enterprises instantly send and receive payments in different currencies, using bitcoin as an intermediary holding. Meanwhile, it has created a suite of tools that make it easier to search (and analyze) cryptocurrency transactions—in other words, to Google public blockchains.Blockchain platforms: Bitcoin, Ethereum, Bitcoin Cash, Ethereum Classic, Litecoin, Zcash, Dogecoin, Dashtrial leader: Allen Day, science advocateHPE, San Jose, CAThe $31 billion (revenue) enterprise tech spin-off from Hewlett-Packard hopes to make a splash with its blockchain services. It already counts more than a dozen customers, including car-part manufacturer Continental, which will use HPE’s tech to track a vehicle’s location and a driver’s license and insurance. That could be useful as more Americans move from owning a car to renting one by the hour or month. Blockchain platforms: Corda, Ethereum, Quorum, Sia, Hyperledger Fabrictrial leader: Raphael Davison, worldwide director of blockchain HTC, Taoyuan, Taiwan The company recently released Exodus 1, a new smartphone that provides crypto-owners a safer way (built in to the phone’s hardware) to store and recover lost bitcoin, litecoin and ethereum, as well as the ability to easily trade cryptocurrencies. The phone also has a special Web browser designed for sites built on the blockchain. With its dismal smartphone market share, HTC’s new phone may be a Hail Mary pass.Blockchain platforms: Bitcoin, Ethereumtrial leader: Phil Chen, decentralized chief officerIBM, Armonk, NYThe IBM logo on the entrance to the Highlight Towers in Munich, Germany.picture alliance via Getty ImagesBlockchain’s early advocate is working to commercialize the technology through its enterprise-grade version of Hyperledger Fabric, called IBM Blockchain. Other IBM launches include World Wire, a foreign exchange platform seeking to replace interbank messaging platform Swift, and TradeLens, a shipping supply chain service codeveloped with shipping giant Maersk. IBM has already filed for more than 100 blockchain patents. With its proprietary blockchain connecting companies in at least 85 networks, IBM is a clear enterprise winner.Blockchain platforms: IBM Blockchain, Stellar, Hyperledger Burrow, Sovrintrial leader: Bridget van Kralingen, SVP, global industry platforms and blockchainING, AmsterdamThe Dutch banking giant has launched eight pilots since the creation of its dedicated blockchain team in 2016. In January 2018, ING and Credit Suisse executed the first legally enforceable euro securities swap using R3’s blockchain. The bank has also invested in several blockchain ventures, including Komgo, which plans to use the Ethereum blockchain to streamline a wide range of transactions.Blockchain platforms: Corda, Quorum, Hyperledger Fabric, Hyperledger Indytrial leader: Mariana Gomez de la Villa, program director of distributed ledger technologyIntel, Santa Clara, CALike IBM, Intel is one of the bigger corporate forces pushing blockchain into the enterprise market. Its open-source Hyperledger Sawtooth platform lets companies build their own blockchains. Users include Cargill, T-Mobile and the Tel Aviv Stock Exchange. Still, IBM is way ahead. Blockchain platforms: Corda, Ethereum, Hyperledger Fabric, Hyperledger Sawtoothtrial leader: Michael Reed, director, blockchain program JPMorgan Chase, New York CityThe nation’s largest bank is one of the creators of Quorum, a restricted version of the Ethereum blockchain built especially for enterprises looking to move tasks performed by back-office middlemen to the distributed ledger. It recently announced JPM Coin, an early-stage project to enable real-time institution-to-institution payments. Blockchain platform: Quorumtrial leader: Christine Moy, blockchain lead Maersk, CopenhagenTransactions for shipping goods from one port to another still rely on reams of paperwork, as they did centuries ago. Last year, IBM and Maersk, one of the world’s largest shippers, announced plans to create TradeLens, a global blockchain for shippers. So far, 100 organizations, including ports, freight forwarders, sea and land carriers, and customs agencies, have signed up to use the platform.Blockchain platforms: IBM Blockchain, Corda trial leader: Michael J. White, head of TradeLensMastercard, Purchase, NY A Mastercard Inc. logo on a credit card in Moscow, Russia.© 2014 Bloomberg Finance LPThe credit card behemoth has applied for 80 blockchain-related patents. Sixteen have been granted, including one for linking cryptocurrencies to traditional bank accounts and another for increasing the privacy of blockchains. Mastercard rarely comments on its blockchain ambitions, but it recently announced it’s working with Amazon and Accenture to build more transparent supply chains where, for example, someone buying a pair of jeans could see where they were made and tip the creator through Mastercard’s payment rails. More significantly, if Mastercard can tie its massive, high-speed payments network to blockchain-based payments, it can open a new revenue stream and solve a problem that plagues most blockchain technology: processing times are still slow.Blockchain platform: Its own platform, built from scratch. trial leader: Ken Moore, EVP and head of Mastercard LabsMetLife, New York cityThrough MetLife’s incubator, LumenLab, the insurer has developed a mobile app called Vitana, that is using ethereum’s smart contracts to automatically pay claims in certain circumstances. Blockchain platform: InsureChain built on Ethereumtrial leader: Zia Zaman, CIO of MetLife AsiaMicrosoft, Redmond, WA Last year, Microsoft’s cloud unit Azure launched Azure Blockchain Workbench, a tool for developing blockchain apps. Many templates are available for free, but if an organization builds or runs an app or network on Azure, Microsoft charges for the underlying cloud services. Blockchain Workbench customers include Insurwave, Webjet, Xbox, Bühler, Interswitch, 3M and Nasdaq. Blockchain platforms: Ethereum, Parity, Quorum, Corda, Hyperledger Fabrictrial leader: Mark Russinovich, CTO of Microsoft AzureNasdaq, New York CityDistributed ledgers could theoretically eliminate the need for centralized exchanges, but Nasdaq has hedged its bets by immersing itself in the new industry. For example, it has sold its market-surveillance software to seven crypto exchanges and a blockchain eVoting product to the South African central securities depository. Nasdaq has also brought together eight Swedish companies to develop a blockchain to replace the current paper-driven trading process in the Swedish mutual fund market. Blockchain platforms: Symbiont, Corda, Hyperledger Fabric trial leader: Johan Toll, head of digital assets, market technologyNestle. Vevey, Switzerland Over the last two years the $92 billion (sales) consumer goods giant has been testing blockchain technology in more than ten projects. Its most promising is with IBM Food Trust, where it is using blockchain to track the provenance of food ingredients in a handful of products, including Gerber baby food. That service is expected to be available in Europe later this year. Food-borne illnesses cost the U.S. $55 billion a year and can cripple a brand. Blockchain food tracking could reduce that cost and be a selling point for brands that participate. Blockchain platform: IBM Blockchaintrial leader: Benjamin Dubois, manager of digital transformationNorthern Trust. Chicago Northern Trust Corp. signage is displayed outside of the company’s office in Miami, Florida.BLOOMBERG NEWSThe big asset manager ($1.1 trillion) is using Hyperledger Fabric to handle the administration of private equity fund events, including initial sales and liquidations of fund investments. Northern Trust is also helping hedge funds track their crypto investments and is working with the Australian Securities Exchange on a blockchain-based equities clearing, settlement and custody platform. Last year, it helped the World Bank execute a $79 million bond issue via the Ethereum blockchain. Blockchain platforms: Hyperledger Fabric, Ethereumtrial leader: Justin Chapman, head of market advocacy and researchOracle, Redwood Shores, CA The database and cloud company is offering “business-ready” blockchain software in an effort to keep customers of its non-blockchain products from defecting to upstarts and rivals like Google and Microsoft. One of Oracle’s customers, China Distance Education Holdings, is sharing student educational records and professional certifications across institutions to help employers and recruiters verify that credentials aren’t fraudulent. Blockchain platform: Oracle Blockchain Platform trial leader: Frank Xiong, group vice president, Blockchain Development PlatformOverstock, Midvale, UTThe online discount store became the first major retailer to accept bitcoin in 2014. Founder and CEO Patrick Byrne, a libertarian with a Ph.D. in philosophy, is so convinced that blockchain will change the world that he is trying to get out of the retail business altogether and is already remaking Overstock into something of a crypto-obsessed company. Most notably, he has used $200 million in Overstock’s cash to fund Medici Ventures, a subsidiary which has invested in 19 blockchain companies. Blockchain platforms: Bitcoin, Ethereum, RVN, Florintrial leader: Patrick Byrne, founder and CEO of OverstockPNC, PittsburghThe bank is using Ripple’s XRP blockchain-based software to process international payments. It is also the only bank involved with IBM’s Health Utility Network, which is attempting to speed insurance company payments to health providers. Blockchain platforms: Hyperledger Fabric, DAML, Corda, Rippletrial leader: J. Christopher Ward, EVP and head of Treasury product managementRipple, San Francisco This startup aims to disrupt Swift, the messaging system the worlds’ banks use to transfer an estimated $6 trillion a day, with RippleNet, with aims to be cheaper, faster and more transparent. While it already has 200 customers for its service, Ripple funds operations (including 300 employees) by selling about $100 million a quarter of its own cryptocurrency, XRP. (XRP’s total market cap now stands at $13 billion, down from its $146.5 billion all-time high in 2018.) RippleNet customers include big names such as Santander, American Express and PNC.Blockchain platform: XRP Ledgertrial leader: Brad Garlinghouse, CEOSamsung, Seoul A woman walks past Samsung Electronics Co. signage outside the company’s Seocho office building in Seoul, South Korea.© 2017 Bloomberg Finance LPSamsung is using its Nexledger blockchain platform to overhaul how its battery-manufacturing subsidiary manages contracts and the execution of those contracts. For Korean consumers it has developed a smartphone app that uses the blockchain to verify the identity of the phone’s owner to 15 of the nation’s banks. That eliminates the inconvenience of Korea’s 20-year-old identity verification system, which can require a tedious signup process for each bank.Blockchain platforms: Nexledger, Ethereumtrial leader: Jeanie Hong, SVP and head of Blockchain CenterSantander, MadridThe Spanish banking giant made headlines last year when it allowed its investors to vote at its annual meeting via the blockchain. A year ago, Santander launched mobile app One Pay FX, a foreign exchange service using RippleNet, that enables individuals to transfer money to other individuals in a foreign country in less than a day. Blockchain platforms: RippleNet, Hyperledger Fabrictrial leader: María de la Concepción de Monteverde, director of the Blockchain Center of Excellence SAP SE, Walldorf, Germany SAP has developed its own cloud-based blockchain toolkit, Leonardo, to keep clients from moving to Oracle or IBM as they transition to distributed ledger technology. It’s also selling project development as a service—most notably, it built Bumble Bee Foods’ new blockchain, designed to trace the origin of tuna from fisherman to processor to consumer. Blockchain platform: Hyperledger Fabric, MultiChain, Quorum trial leader: Raimund Gross, chief innovation strategist, BlockchainSeagate Technology, Cupertino, CAData-storage company Seagate Technology is working with IBM on a proof-of-concept blockchain aimed at tracking products through their distribution and life—in large part to ensure that fake hard drives aren’t returned to Seagate’s warehouses, where they could be resold by accident. Counterfeiting of electronics is a $100 billion problem, and Seagate hard drives are a frequent target for fraud. Blockchain platform: Hyperledger Fabrictrial leader: Manuel Offenberg, managing technologist and data security research leadSiemens, MunichIn Park Slope, Brooklyn, some residents with Siemens solar panels had more energy than they could use on sunny days. The Brooklyn Microgrid project, run off a private blockchain, allows those with excess power to sell energy to their neighbors. The German giant has a lot of skin in this game, with $28 billion a year in revenues from things like energy turbines and applications managing smart grids. Grid technology has been decentralizing and democratizing power generation; blockchain can accelerate that process.Blockchain platforms: Ethereum, Hyperledger Fabric, Cordatrial leader: Bernd Rosauer, head of research, Technology Field IT PlatformsSignature Bank, New York CitySignature was the first FDIC-insured bank to develop a blockchain-based digital payments platform. SignetTM allows the bank’s commercial clients to send free, secure payments to other commercial clients of the bank at any time of day with no transaction limits, in as little as five seconds. It uses a token, the signet, backed by U.S. dollars. American PowerNet, a Signature Bank client, recently chose SignetTM to make real-time payments to renewable energy providers.Blockchain platform: A private, Ethereum-based blockchaintrial leader: Frank Santora, senior vice president and director of digital asset solutionsState Farm, Bloomington, ILThe insurer has devoted 11 members of its Research, Experiment & Deploy (RED) Labs in Bloomington to developing a blockchain that could speed up the now painfully slow process by which insurers pay claims to policyholders and then seek partial reimbursement from other insurers involved with the claim. State Farm is working with RiskBlock Alliance on an application that could speed up this claims dance.Blockchain platforms: Hyperledger Fabric, Corda, Quorumtrial leader: Mike Fields, innovation executive at State Farm RED Labs UBS, ZurichThe Swiss bank’s most ambitious project so far is Utility Settlement Coin (USC), which would allow central banks to use digital cash instead of their own currencies to move money to each other. It’s a bold play—if central bankers start using crypto for big transfers with each other, it could make them more willing to move their own national currencies onto a blockchain. UBS’ partners in USC include BNY Mellon, Deutsche Bank and Santander.Blockchain platforms: Hyperledger Fabric, Ethereum, Quorum, Cordatrial leader: Sam Chadwick, head of blockchainVisa, San Francisco A Visa logo on the front of a Debit Card in Philadelphia. ASSOCIATED PRESSThe credit card network has filed for 50 blockchain patents, ranging from a real-time payments settlement system to technology related to crypto trading. This year, Visa is launching B2B Connect, which uses blockchain to help banks around the world process cross-border, business-to-business payments. With $18 trillion in such B2B payments being made a year, gaining even a small chunk of this business would be a nice addition to Visa’s consumer-payment dominance.Blockchain platform: Hyperledger Fabric. trial leader: Kevin Phalen, global head of business solutionsVmware, Palo Alto, CAThe cloud-infrastructure company will soon release a suite of blockchain software products called VMware Blockchain, developed in partnership with Deloitte and Dell. The first product will be one that allows data to be transferred securely. Next up is a service that verifies transactions on the blockchain. Blockchain platforms: Project Concord, a new blockchain, which supports multiple frameworks such as Ethereumtrial leader: Mike DiPetrillo, senior director, Blockchain Walmart, Bentonville, ARThe world’s largest retailer (by sales) has filed for about 50 blockchain patents (for everything from tracking shipments to operating drones) and wants to use the blockchain to quickly pinpoint the culprit in future food-safety scares. In 2016 it partnered with Big Blue to create IBM Food Trust, now being tested by more than 50 companies. Today Walmart can track 25 products, including strawberries, yogurt and chicken, from five suppliers (and counting). In September 2018, it said it would begin requiring all of its lettuce and spinach suppliers to log their shipments on the blockchain. 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interest in the currency is skyrocketing.In many ways, bitcoins function like any other currency. You can buy anything from any company, both online and in the real world, that accepts bitcoins as currency. Bitcoin's founder is Satoshi Nakamoto, which is a pseudonym. Nakamoto's purported profile on P2P Foundation claims that he is a 38-year-old male living in Japan."In 2008, Satoshi Nakamoto, the founder of Bitcoin, whose real identity is not known, cleverly combined existing peer-to-peer network technologies, cryptographic techniques, digital signatures, and the potential power of network effects to design and develop the Bitcoin system. Nakamoto was very clearly motivated in this effort by the fallout from the 2008 financial crisis," reported The New Yorker.The bitcoin bubble has burst - or has it? APRather than trusting in governments or central banks to secure the value of the currency and guarantee transactions, the founder ensured the bitcoin places its trust in mathematics.At the start of the year, a bitcoin was worth $13.51; the price of a single bitcoin then blasted through the $100 barrier last week, according to Mt Gox, a site where users can swap bitcoins for more traditional currencies. On Wednesday, it traded as high as $266. But on Thursday, it plummeted to less than $100, as one of the exchanges where bitcoins are traded closed temporarily.PandoDaily, which has been reporting on the virtual currency phenomenon, offers an awesome video (here) explaining how the bitcoin works through classic Super Mario Bros clips.The rebel Internet currency has been in red-hot demand because of world events that have shaken confidence in government-issued currencies."Because of what's going on in Cyprus and Europe, people are trying to pull their money out of banks there," Tony Gallippi, the CEO of "BitPay.com," which enables businesses to easily accept bitcoins as payment, told FoxNews.com.According to Bloomberg Businessweek, it appears that Spaniards may have been particularly active buyers of bitcoins in March, having taken the debacle in Cyprus as the likely sign of a forthcoming governmental plunder of their own savings."That a number of panicked Europeans appear to have reckoned the wildly volatile, vulnerable, and tiny bitcoin market a preferable alternative to their own banking system, even temporarily, signals a serious widening of the cracks between the northern and southern EU countries in the wake of the euro-zone debt crisis. It also illustrates the broader collapse of trust that is threatening the world of global banking and fiat money," said The New Yorker.At the P2P Foundation, Nakamoto wrote an astute blog post describing the difference between bitcoin and fiat currency:"[Bitcoin is] completely decentralized, with no central server or trusted parties, because everything is based on crypto proof instead of trust. The root problem with conventional currency is all the trust that's required to make it work. The central bank must be trusted not to debase the currency, but the history of fiat currencies is full of breaches of that trust. Banks must be trusted to hold our money and transfer it electronically, but they lend it out in waves of credit bubbles with barely a fraction in reserve. We have to trust them with our privacy, trust them not to let identity thieves drain our accounts... With e-currency based on cryptographic proof, without the need to trust a third party middleman, money can be secure and transactions effortless."Do bitcoins make is easier to pay for dubious purchases?Virtually untraceable bitcoin currency can be swapped anonymously online for almost anything. It is in a sense the digital equivalent of using hard cash and so some have criticised it for facilitating online drug markets."The online, anonymous, bitcoin-backed marketplace that's been getting a lot of heat lately is called the Silk Road. Accessing this anonymous drug market isn't as easy as Googling it, but once you're in, users are greeted with a drug-buying experience that is unmatched, and surprisingly simple," said Motherboard, an online magazine.Despite two US senators trying to shut down the Silk Road it is still running, and a recent study estimates that $23 million of illicit items are sold for bitcoins on the site every year.Some financial experts also say that bitcoins can help people evade taxes in the same way you could use cash to avoid taxes.Still, the bitcoin is a very well-designed online virtual currency and, as Time magazine has noted, the Internet will almost certainly offer access to a growing number of currencies in one form or another that are beyond national control."If a future Fed Chairman tries to repeat Ben Bernanke's policy of Quantitative Easing (effectively printing money), worried investors could start pulling their savings out of the dollar and send it streaming into the Cloud so fast that the Fed would be forced to change course. Governments will fight back, no doubt. But virtual currencies will be no easier to control than Facebook," said Time. Updated Date: Dec 20, 2014 17:54 PM Blockchain can benefit banks but will take a toll with reduced fees and commissions: Moody'sASSOCHAM urges RBI to take 'extreme care' of data from proposed virtual currency in IndiaBlockchain to have mixed implication on global banking system, says Moody's reportFA Cup: Manchester United showcase fortitude once again to get past fragile Tottenham HotspurIndia is giving in to the instinct of majoritarianism in South Asia which it had avoided for years till nowBharat Ane Nenu, Srimanthudu, Janatha Garage: How director Koratala Siva has redefined heroism in Telugu cinemaAfghanistan Elections 2018: Four dead, 15 injured in explosion at voter registration centre in KabulKarnataka Election 2018: With Chamundeshwari turning dicey, Siddaramaiah turns to Badami as insurance policy PM BJP , , 2019 ' , ' ? : , - Indian Premier League, 2018BLR Vs DEL Royal Challengers Bangalore beat Delhi Daredevils by 6 wicketsIndian Premier League, 2018KOL Vs PUN Kings XI Punjab beat Kolkata Knight Riders by 9 wickets (D/L method)Indian Premier League, 2018CHE Vs RAJ Chennai Super Kings beat Rajasthan Royals by 64 runsNew Zealand Women in Ireland, Only T20I, 2018IREW vs NZW - Jun 6th, 2018, 04:30 PM ISTNew Zealand Women in Ireland, 3 ODI Series, 2018IREW vs NZW - Jun 8th, 2018, 03:00 PM ISTSouth Africa Women in England, 3 ODI series, 2018ENGW vs SAW - Jun 9th, 2018, 03:30 PM ISTNew Zealand Women in Ireland, 3 ODI Series, 2018IREW vs NZW - Jun 10th, 2018, 03:00 PM ISTSouth Africa Women in England, 3 ODI series, 2018ENGW vs SAW - Jun 12th, 2018, 05:30 PM ISTNew Zealand Women in Ireland, 3 ODI Series, 2018IREW vs NZW - Jun 13th, 2018, 03:00 PM ISTSouth Africa Women in England, 3 ODI series, 2018ENGW vs SAW - Jun 15th, 2018, 06:30 PM ISTWomens T20I Tri-Series in England, 2018SAW vs NZW - Jun 20th, 2018, 05:30 PM ISTWomens T20I Tri-Series in England, 2018ENGW vs SAW - Jun 20th, 2018, 10:10 PM ISTWomens T20I Tri-Series in England, 2018ENGW vs SAW - Jun 23rd, 2018, 05:30 PM ISTCopyright 2018. 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with the "famous" ones, BTC, ETH and LTC, mostly due to the fact that coinbase only lists these 3 coins and in a matter of days I started to be introduced to other coins after watching many youtube videos and joining Telegram groups. So before I go ahead I would like to make it clear that I'm far from been an expert on Cryptocurrencies, I still have a very long journey to learn about the technical aspects, so this is my view as a newbie, which I think is extremely important at this point. If you think about it, the early adopters of cryptos are tech savvy people however now we are moving to new waves of "customers" who are starting to get hooked about this technology, and my perception of coins will probably reflect their perception too, so on this new run for the coins in the next months and years, the newbies are the ones who will determine which coins will have a big increase on the marketcap. Going back to my crypto journey, after learning about different coins there was a particular one that really got my attention, Bitshares. I was really amazed with the potential of BTS and how this could be a potential game changer for many industries. For those of you who are not very familiar with BTS I will try to explain it from a newbie perspective and why I think this particular coin is different from all others.. 1- The first point is in relation of the speed in which transactions can be processed.. BTS can process 100,000 transactions per second and to give you some perspective, Bitcoin can process only 7 tps and Ether should be able to process around 26 tps.. So imagine if BTC achieve mass adoption and you would like to use it to buy a coca-cola on a regular shop, how would it work? You would have to wait minutes or hours to get your transaction processed, so it is not practicable... BTS on the other hand would be able to handle this easily, if you dont know, 100.000 per second is more than processing power of Visa and MasterCard combined.. So that says all right? 2- Fees : The transaction fees for BTS are much much lower than BTC and many other coins, the average transaction fee for BTC is over 3 USD, so if you were going to by a can of coke which costs 1 USD, the transaction fee for that transaction would be actually higher than the product itself, which does not make sense at all.. BTS in the other hand has a avg fee of 0.03USD which is much more plausible for this type of transactions and in addition if you pay the lifetime membership you get back 80% of the fees paid for your transactions.. 3- This for me is the greatest differential of BTS in relation to the other coins.. The ability to transfer assets via cryptocurrencies. I will spend a little bit more time explaining this point.. The BTS itself is a share that you have of the Bitshares, is like having a stock of a public company, it will also giving you voting rights to decide the directions in which the BTS will go. Based on these shares, we can have UIA's (User Issued Assets) such BitUSD, BitGold, BitCNY, etc.. Let's take BitUSD as an example, when a BitUSD is created, it will always follow the price of 1 USD, so 1 BitUSD should be always equal to 1 USD, but how is that possible? So basically in order for you to do that, you would put the equivalent amount of 1USD in Bitshares as collateral to 1 BitUSD.. Let's see an example: Imagine this scenario (I will use fictional prices to illustrate it): 1 BTS = 0.10USD If you were going to have 1 BitUSD today, you would need to have 10 BTS (10x $0.10) to make the BitUSD amount equal to 1USD. If the BTS price increases to $0.50, than the necessary amount of BTS needed as collateral for the BitUSD will be 2 BTS (2 x $0.50) instead of 10.. So each BitUSD will have an amount of BTS's needed as collateral to pair the real value of that asset. *Actually the amount of collateral needed for each Bitasset is more than 100% to protect it against volatility, but I will not get into details here to make it simple.. This means that with Bitshares could issue many "virtual" assets which would follow the market price for the same.. So let's imagine if we could have BitOil, BitIron, BitSteel, Bitthis and Bitthat... Today when Oil traders have to trade oil, despite the fact that they might be in different countries, they will probably trade it in USD, and for that they will always have the FX risks as the USD value could fluctuate against their local currency so they end up hedging these transaction which implicate in higher costs for them.. Now imagine if they could start trading Oil using BitOil? When they agree to buy and sell 10 barrels of Oil they would be sure that when the transaction is completed, they would receive the payment of 10 BitOils which would be equivalent value of 10 barrels of Oil at that present moment.. The potential of this is huge, not only for commodity trades but also for FX payments and any other assets transactions in the future.. (I hope you can see the big picture here!) 4- Protection against coins volatility: The same BitAssets structure that I have described above, would allow you to protect yourself against the crazy fluctuation rollercoaster that we see today in Cryptocurrencies.. One of the main fear of investing in BTC for example is the fact that last week it was quoted approx $1800 and today it is reaching $2900.. Not everyone would like to be exposed to these fluctuations, so if you want to have part of your investments in Crypto but would like to take a break and move your money to a stable currency, you could buy BitUSD for the time being.. All these points drove me crazy when I started to learn more about Bitshares and I became more active on Telegram groups to learn and understand better this coin.. And one question has been on my mind since then.. Why is this coin so undervalued in comparison to others? Why it is not even on the top 10 coins in terms of marketcap? As soon I started getting more involved on the Telegram groups, I started to get the answers for it (at least from my perspective). The reason why the title of this post is "Bitshares - A Lambo parked in a Farm Barn" describes exactly my views of BTS today.. The team has created a Lambo, a great machine with a stunning design, however today it is seating on a Farm Barn and been driven on dirty sandy roads... A car like a Lambo was not designed for this type of roads, to achieve it's full potential it needs to be moved to streets like in Monaco or German Autoban's, and in my view the BTS team is falling a little bit on that, they are super focused on build the best mechanics but is forgetting to move it to city centers.. (The "Sovereign Hero" project lead by Stan Larimer and Michael will help that a lot, but I don't think BTS should be 100% depending on that.) Why is that? I think it is because of the DPOS (Delegated proof of stake) governance model.. Bitshares is a completely decentralized system, does not have a owner or a CEO.. Each BTS holder owns the Bitshares and everything is done via a voting system, so instead of "miners" you have "witness" which is a group of people voted by BTS holders to validate the transactions.. If an improvement on the system is needed, we have a "worker" proposal which is voted by the BTS holders.. This concept is amazing as the BTS holders have complete control of the future and directions that BTS will take however there is a big problem there (in my view).. Every boat needs someone steering the wheel otherwise there will be many winds blowing in different directions and to bring that boat to it's final destination will be a challenge.. I hear everyday many great suggestions on the Telegram group about marketing, UX improvements, Commercialization, etc however there is not a person or group of persons in charge of those areas and as the end result everyone end up waiting someone to do something about it and no results are achieved.. Most of the committee members, workers, proxys and witness are very strong tech people, but as I mentioned earlier their focus is more on building a great machine (which they are doing a great job by the way) however we also need people with different areas of expertise to look after these other areas which are essential to bring BTS to the next level.. In my view, Bitshare should create roles like Marketing Manager, Commercial Manager, CEO, etc (to be elected by the BTS holders) so they could focus their efforts and coordinate these initiatives.. Today I think BTS is missing a "face" as other coins have... EOS has Dan Larimer, ETH has Vitalik.. They have different governance models, but in my view DPOS could easily follow the governance model of many public listed companies today.. I'm still very bullish and optimistic about Bitshares futures, even if the governance model is not changed I'm sure this coin have a bright future ahead, however the most important question is how long it will take for this coin to go to the moon? A new Gov model would expedite that significantly.. In order to wrap up this article I would like to point out some key items that is needed (in my view) to make Bitshares even better, so these are my 2 cents contribution: Create other roles for different areas in order to have someone accountable and responsible to drive and coordinate certain initiatives : Marketing, Commercial, User Experience, Public Relation, Strategy and CEO. Improve urgently the user experience of Bitshares exchange to make it more friendly to newbies like me.. We need to understand that regular Joe's have no experience in trading or dealing with Crypto's, so we should have something very simple, clear and intuitive so they feel comfortable using it. Create a simple app to allow users to buy and sell BTS's and BitUSD Increase the number of BitAssets.. Today we have only few of them (BitUSD, BitCNY, BitEUR, BitGold, BitSilver, and maybe few other more). We should have a Bit asset for many more currencies and also a Bit asset for the major commodities. List BTS on all major exchanges.. People should have easy access to buy and sell BTS to give it more liquidity. List more coins on Bitshares Exchange.. The other way around of point 5.. If I decide to use Bitshares as my main exchange and wallet, I should be able to buy most of the coins (at least all top 20) without having to leave Bitshares platform. Enable hard wallets like Trezor for Bitshares.. Newbies are still very scared about having their coins sitting on the web... Specially after the recent hacking incidents involving ETH.. Make partnership with commercial establishments so they can accept BTS or HERO as payment method.. Before I end this post, I would like to emphasize that I'm not criticizing Bitshares at all.. I think this is an amazing coin which will definitely go to the moon! I'm just trying to contribute with some feedback from a newbie perspective to help to expedite this process.. I also would like to congrat some of the people that I had a opportunity to meet on Telegram group during the last couple of months as they are doing a great job! Bitshares has an amazing team of passionate and incredibly knowledgeable people like Stan, Michael, Fav, Oldman, Tony and many others!! JP

Cryptocurrency Network, talking aboutthe first reactions some may have to hislatest project,Augur, the decentralized, blockchain-based prediction market founded by Jack Peterson and set to launch atoken crowdsale this spring.Common perceptions aside, Gardner and core developer Joey Krug are out to prove that a platform that allows participants to bet on the outcome of real-world events can be a vehicle for social good, rather than simply another outlet for digitalgambling. In conversation withCoinDesk, Gardner and Krug sought to portray Augur as a project that plans to use decentralized public ledgers to create a way for anyone in any field, from finance, healthcare and governance, to tap into the collective forecasting power of a global user base.Gardner said:"With bitcoin, it's a better money than what we have, but it's a version of what we have today. We've never really had a wildly popular prediction market. We've never had these open-source tools to be able to bet on the Internet and turn that into a social good."Both Gardner and Krug have left college to launch the six-person project, one that boasts financial support from Ethereum creator Vitalik Buterin and the guidance of Ron Bernstein, founder of Intrade, what was until the time of its shutdown in 2013 one of the more well-known prediction markets.Speaking to CoinDesk, Bernstein said he expressed an early interest in the project as heviews itthrough the lens of his own struggles trying to launch a similar, though centralized, platform.The Intrade and Tradesports CEO compared the challenges the project faces to tech giantslike Uber, which have testedregulatory boundaries in order to ensure they are first to market with a potentially powerful idea."The potential for Augur is really about the distributed participation from the exchange operators as well as from the exchange users and the ability to distribute that in the way that they propose has never been done," Bernstein said.At present, there are more immediate hurdles for Augur. One of which is ensuring that the public can getbehind a prediction market, especially when their rocky history has clouded public perception about what they are and what they aim to achieve.Prediction markets allow their users to buy and sell shares in the outcome of an event. The current market price of a share is then an estimate of the probability that event will occur. Already,many academic researchers attest that such platforms, while incorporating aspects of gambling, do have practical value."Prediction market prices have informational value because they aggregate the beliefs of market participants and reveal what the market overall forecasts are the odds of the event at hand occurring," a 2014 report by Mercatus Research explains.Though it goes on to note that primary reason the market exists is speculation, the report does speak to the positive benefits such a platform can have by noting its use in US presidential elections dating back to the 1800s.Gardner attests to being an Intrade user, placing bets during the 2008 and 2012 elections. He explained the appeal of the service, adding:"It wasn't gambling, there was no risk if you thought you were well-informed and that to me was a really powerful notion."Just as powerful a roadblock may be historical issues prediction markets have faced on a regulatory front, particularly from the Commodity Futures Trading Commission (CFTC), the body that oversees the US futures market.In 2005, for example, the CFTC granted Intrade an exemption to operate, providing it limited participants to those with assets between $5m and $10m. By 2013, dogged by lawsuits in the US and issues abroad, Intrade shut down. Notably, its website currently promises "announcements coming soon".Further laws were enacted as part of the Dodd-Frank financial reform law, which sought to limit betting that was not deemed to be in the public interest. However, some prediction markets have been able to prosper, most, like the Iowa Electronic Market, under academic exemptions.Yet these problems, Augur contends, are solved by the decentralized nature of blockchains and the overall lack of regulatory guidance."There's no law that prevents us from doing what we're doing. We're just writing code. There's also no law that allows us to do what we're doing. We recognize that it's a gray area, but it's a gray area we're very much comfortable with," Gardner said, adding:"Very clearly we write this code, we put it into the cloud and like Satoshi [Nakamoto] we could disappear."Gardner discussedconducting the company's in-house legal research prior to the launch of the venture, asserting that the project should not fall under securities laws as "people aren't partaking in a common enterprise and they're not expecting profits from the work of others".Still, he admits the CFTC is "a huge concern", though one that will be alleviated by the fact that no one involved with the project will operate a prediction market."It's about narrowing down who we might piss off and reducing the likelihood of that happening," Gardner said.Questions of market viability aside, Augur is already at work on its technology, though even its construction remains in flux. Augur intends to use two types of tokens to facilitate its market.First, it will plan to use the as-yet-unlaunched sidechains technology to transfer bitcoin to addresses that can be held while a user is actively holding shares as part of awager. Second will be the token of focus during its upcoming crowdsale, Reputation, which is set to be sold over 45 days in May.Reputation tokens will be sold during the crowdsale in part to raise money for the completion and continued development of the platform, but be used by Augur in practice to incentivize users to reliably report on the outcome of events, say that Hillary Clinton is elected president in 2016."After the election happens, because there's not a centralized source that confirms that it's happened, there has to be a decentralized reporting system. That's where reputation comes in. Reputation holders are asked to report on the outcome of events and that ensures the integrity of the system," Gardner said.Those who are dishonest, in turn, have a percentage of their tokens redistributed among the trustworthy users in the network. How muchwill be distributed is determined byan equation, and will vary depending on factors such as how many people report on the event and how accurately.Lastly, there will be a 'seigniorage modeled coin' that will help ensure that long-term bets can be made without being subject to the volatility of bitcoin. For example, if a user wanted to bet on the 2020 election, he or she would need to know the funds would retain value at this time."What we'll probably do," Krug continued, "is there is a thing called the subcurrency API on Ethereum, and we'll probably support the best seigniorageout there, so we'll probably use the best of them."Already in place, according to Krug, is the equation that would allow for the exchange of shares in event outcomes, and the consensus mechanisms that determine binary outcomes."You can even have up to 75% liars and get the correct outcome reporting," Krug said, though he noted the project is still working on how to deal with multidimensional outcomes.Connectingwith potential users will be another challenge, as evidenced by the somewhat lackluster reception of the group at The North American Bitcoin Conference's Startup Stage.Recalling the event, Gardner remarked: "I think there is a huge gap that keeps people from understanding the project."Focusing on this question will be the job of director of marketing Tony Sakich, a former marketing manager at payment processor BitPay.Describing the project's members as a "dream team", Sakich indicated that he intends to focus his efforts on keeping Augur's ad campaigns "old-school", while appealing to a broad base beyond those in the bitcoin community."We're hoping to go to a lot of a schools, academia has wanted something like this for a while. I think the people who are into prediction markets are not the crypto types, and we're trying to make that crossover," Sakich said.Calling the project a "real challenge" when compared to BitPay, Sakich said he's in the midst of lining up conferences and events that will allow Augur to reach audiences outside of the bitcoin community.Although he said he won't be using the betting platform, he added he expects Augur to "become one of the definitive prediction markets", provided it can be maintained by its decentralized community.Despite these challenges, the Augur team is confident their product can solve real problems.For example, Krug mentions that Augur could be used by farmers in Argentina to hedge against weather cycles or by Chinese traders who are unable to access the US stock market."Take the problem of asking your own employees for information," Krug continued. "Say you're a fashion company and you want to see what will be the best-selling product of that year. You can ask your employees. What you could do is ask the general public and get a much more accurate result."On an even more abstract level, Krug went so far as to suggest that prediction markets could be used by doctors to more accurately diagnose patients.Perhaps most notably, Krug and Gardner aren't interested in turning Augur into a long-termendeavor or even a business, or at the very least, that matter is still up for debate."A lot of team members are pretty young, this is really an intellectual experiment. Let's say that Augur is successful, there's all sorts of consumer applications, there will be consulting opportunities," Gardner said,comparing thecareer path to those blazed by bitcoin developers like Peter Todd.Gardner added:"If Augur is successful, there's a huge opportunity to make money, but we believe that if this succeeds, we'll have created this world-changing forecasting tool."The full white paper for the project can be found here.Images via Augur The leader in blockchain news, CoinDesk is a media outlet that strives for the highest journalistic standards and abides by a strict set of editorial policies. CoinDesk is an independent operating subsidiary of Digital Currency Group, which invests in cryptocurrencies and blockchain startups. GamblingCrowdsalesOct 21, 2017 at 11:40 | Noelle AchesonTwo small islands are showing us how blockchain-friendly legislation can help encourage development that could affect the whole industry.Oct 9, 2017 at 12:00 | Aaron StanleyCryptocurrency gambling is opening up across a large swathe of Europe, as Malta licenses eSports platform Unikrn.Jul 27, 2017 at 09:00 | Aaron StanleyThe nation of Malta is taking steps to legalize bitcoin and cryptocurrency for use in its domestic gaming industry.Jun 29, 2017 at 10:01 | Michael del CastilloCelebrity investor Mark Cuban has revealed he intends to purchase tokens as part of an ICO launched by one of his portfolio startups, Unikrn. I would like to receive the following emails: CoinDesk Weekly - Insights for the week ahead CoinDesk Daily - Our snapshot of the day's news Subscribe to our free newsletter and follow us

skyrocket in 2017 (Ethereum's market cap is nearly $30 billion). He cofounded Bitcoin Magazine and now leads Ethereum, working on upgrades to its protocol. The creator of Litecoin, and formerly Coinbase's Director of Engineering. Although he is the creator of Litecoin, Lee remains focused on a number of Bitcoin-specific projects as well. Prior to Lee's forays into the world of cryptocurrency, he held various engineering positions at companies like Google and Guidewire Software. "Brian is the co-founder & CEO of Coinbase, an open financial system and Bitcoin exchange for the world. He holds a Bachelors Degree in Computer Science, a Bachelor’s Degree in Economics, and a Master’s Degree in Computer Science from Rice University. He was also featured in the 2014 movie, ""The Rise and Rise of Bitcoin""." Roger is considered the world's first Investor in Bitcoin startups (including investments in Bitcoin.com, Blockchain.com, Z.cash , BitPay, Kraken & Purse.io). Ver's computer parts business, MemoryDealers, was one of the first online retailers to accept payment in Bitcoin, and he now speaks regularly at Bitcoin events worldwide. "Andreas is the author of ""Mastering Bitcoin"" and “The Internet of Money, seminal books about why bitcoin matters on a global scale. Antonopoulos is also a public speaker at bitcoin events, and is frequently called in as an expert witness in trials relating to the security and technical details of crypto-currencies." "Nick is a blockchain and cryptocurrency pioneer. Szabo is widely regarded as the inventor of the concept of smart contracts, which are now a fundamental feature of cryptocurrencies. Szabo also is the creator of ""bit gold"", a decentralized precursor to bitcoin which informed the initial construction of Bitcoin's architecture." "Don is the co-founder and Executive Director at Blockchain Research Institute, which seeks to drive clear policy-making and governance of bitcoin. He is also the best-selling author of ""Blockchain Revolution"", a book on the numerous impacts that cryptocurrencies and blockchain will have on the world." Gavin is one of the original Bitcoin developers, having been appointed the lead developer on Bitcoin Core by Satoshi Nakamoto. A Bitcoin developer since 2010, Andresen founded the Bitcoin Foundation as a vessel for cryptocurrency advocacy, and has dedicated much of his time to that organization in recent years. Jihan is the co-founder of BITMAIN, which sells ASIC chip technology to bitcoin miners around the world. BITMAIN is presently the world's largest manufacturer of bitcoin mining parts, having built ~70% of the world's bitcoin mining machines. He studied Economics and Psychology at Peking University in Beijing. "Laura is Forbes' senior editor of cryptocurrency and blockchain technology coverage, and is a co-lead reporter on the Forbes Fintech 50 list. She also hosts the crypto and blockchain podcast ""Unchained"". Shin holds a Masters of Arts from Columbia University's School of Journalism." Thomas is a board member of 9Spokes, an open banking dashboard. Power is a cryptocurrency expert who has published 7 books and spoken at 1000 conferences and events across 56 countries. Additionally, Power is a board member or advisor to numerous Blockchain and Bitcoin-focused startups around the world. Erik is the CEO of ShapeShift. Voorhees currently writes at MoneyAndState.com about the struggle for the separation of money and state, and about Bitcoin as the instrument by which it will happen. He is the co-founder of bitcoin startup Coinapult, and previously sold his startup Satoshi Dice for $11.5M in bitcoin in 2013. Tyler is the Principal of Winklevoss Capital and co-founder and CEO of Gemini, a next-generation digital asset exchange. Winklevoss has long been a bitcoin advocate and is widely noted for becoming the world's first bitcoin billionaire, on account of his initial $11M investment in the cryptocurrency in 2013. Barry is the founder and CEO of DigitalCurrencyGroup, which builds and supports Bitcoin and blockchain companies. He is also an investor in numerous bitcoin and blockchain companies worldwide. Silbert also created the Bitcoin Investment Trust, which is the only public security whose value comes directly from Bitcoin. Tuur is the Editor-in-Chief at Adamant Research, which focuses on macro investment opportunities in the Bitcoin and blockchain space. He is an early investor in Bitcoin, and is a regular speaker at Bitcoin conferences around the world. He also cofounded the Belgian Rothboard Institute, an academic think-tank. "Lingham is known as the ""Bitcoin Oracle"" on account of his highly accurate predictions around the pricing of Bitcoin and other cryptocurrencies. He is the founder of Civic, an identity management startup run on the blockchain. He was previously recognized as a Young Global Leader by the World Economic Forum in Davos." Charlie is a co-founder of the Bitcoin Foundation, and is a controversial Bitcoin Evangelist. He helped found BitInstant, one of the earliest bitcoin startups, and has been an investor in Bitcoin since 2011. Shrem is now the Director of Community and Business Development for Shrem, a blockchain wallet startup. Peter is one of Bitcoin's most prominent open source developers, and is an applied cryptography consultant. Todd is an advocate for cryptocurrency, and is vocal about the need for more effective (yet flexible) governance of Bitcoin and other alt-coins in the years to come. Adam is a cryptographer who is the inventor of Hashcash, the underlying technology behind a number of anti-spam softwares. Back is the co-founder/ CEO of Blockstream, which develops protocols for blockchain developers. He has a Computer Science PhD in Distributed Systems from the University of Exeter. "Tone is the host of CrytpoScam Podcast. Days was previously a well-known derivatives trader on Wall Street, later was a VP at JP Morgan, and is now a blockchain consultant. He is also a regular contributor to The World Crypto Network. He was recently featured on the Bitcoin documentary, ""Magic Money""." Lopp is presently an engineer at BitGo and the creator of Statoshi.info, which displays bitcoin node stats in real time. He is also the organizer of Bitcoin SIG, a group of MENSA members who discuss bitcoin matters. Lopp also posts regularly on the Coindesk blog and other notable bitcoin publications. Tim Draper has been listed as #7 on the Forbes Midas List, and #98 on the 2014 Worth Magazine 100 Most Powerful People in Finance. Draper is the founder of DFJ Venture Capital, an advocate for blockchain technologies, and was an early investor in Bitcoin. Jeff is the co-founder of Bloq, an enterprise-grade blockchain startup. Bloq recently announced its own cryptocurrency, Metronome, which it hopes will eventually be run on multiple types of blockchains. Prior to Bloq, Garzik was the founder of Dunvegan Space Systems, a startup focused on enabling space infrastructure. Bobby is the CEO and co-founder of BTCC, China's first bitcoin exchange. Lee has been involved with bitcoin since 2011, and envisioned BTCC as a full-stack solution for bitcoin in China - ranging from exchange functionality, to providing secure wallets to consumers. Prior to BTCC, Lee held a senior role at Walmart China. He is a co-founder and managing partner at Union Square Ventures (a significant investor in Coinbase) and the founder of VC firm Flatiron Partners. As a vocal advocate for blockchain as a whole, Wilson writes regularly about cryptocurrencies, investing strategies, ICOs, and more at AVC.com. The AngelList co-founder and CEO is also an investor in Bitwise Asset Management, one of the first cryptocurrency index funds. As a proponent of blockchain, Ravikant is also providing capital and advisory services to blockchain startup Blockstack, which recently released its first decentralized browser. Michael is the founder and former co-editor of TechCrunch. As a VC with a proven track record, Arrington is now the lead partner at Arrington XRP Capital, a $100M hedge fund based entirely on cryptocurrency. The fund will be denominated in XRP, the cryptocurrency that drives much of the startup Ripple's software. Matonis is a bitcoin researcher and economist. He is presently the Founding Director and co-founder of the Bitcoin Foundation. He is also the chairman of Globitex, a bitcoin and derivatives exchange. He is also a Board Member at First Global Credit, a cryptocurrency investment and advisory firm based in Geneva. Stephan is the co-founder of AtlasNeue and Slock.it, a blockchain infrastructure for the collaborative economy that's built on the Ethereum platform. Formerly, Tual was the CCO of Ethereum, and is universally regarded as an expert in the crypto and blockchain community. He was previously Managing Director at Ursium. Song is a prominent blockchain developer and entrepreneur. He is also an instructor at Programming Blockchain, which helps talented developers learn how to code for the blockchain platform. He is currently a developer at Paxos, a fintech blockchain startup focused on automating post-trade settlements. "Chris is now a partner at Placeholder VC. Burniske previously led ARK Invest's cryptoasset and product development efforts, where he interfaced with press to ensure accurate reporting around cryptocurrencies and cryptoassets. He is also the author of ""Cryptoassets: The Innovative Investor's Guide to Bitcoin and Beyond""." Derin is the co-founder of BlockchainAge, the global leader in blockchain research and consultancy. He is also the founder of online business magazine Richtopia, and the co-founder of Marketing Runners, a professional services firm. Additionally, Cag is a guest lecturer at the University of Monaco and the INSEEC Group. Fred is previously co-founder of Coinbase, and is now working on building decentralized blockchain applications. Prior to his forays into the crypto world, Ehrsam was a trader at Goldman Sachs. He is an investor in crypto hedge fund Polychain Capital. He holds a BS in Computer Science and Economics from Duke University. Luke is one of the most prolific and well-known cryptocurrency traders, and is best known for hosting Coin Chat, an informative YouTube series about Bitcoin and cryptocurrencies. Martin also founded (and now runs) VentureCoinist, a crypto analysis and education website that is run on a membership basis. Dinis is the CEO of IntelligentHQ, a social business network. He is also the CEO of blockchain startup Humaniq, which aims to become a secure, decentralized banking solution for the 2 billion+ people in the world that don't yet have bank accounts. Guarda is a regular speaker at bitcoin-related conferences worldwide. Michael is the publisher of the Nerd’s Eye View blog, which focuses on financial planning and has recently begun to delve into cryptocurrencies. Kitces is the Director of Research at Pinnacle Advisory Group, and is an advisor to a number of fintech startups. He holds master's degrees in Taxation and Financial Services. Josh started investing in Bitcoin in 2013, and is now an advisor to Experty.io and AltCoinExchange. He is well-known for broadcasting detailed crypto technical analysis on his YouTube channel. Olszewicz also writes regularly on bitcoin finance site BraveNewCoin.com, and is an adjunct faculty at Johns Hopkins University. Joseph is the co-founder of Ethereum, and the founder of ConsenSys, a blockchain app development firm. Lubin also helped to set up the non-profit Ethereum Foundation and VC fund ConsenSys Ventures, which invests in decentralized blockchain applications. Lubin holds a B.S. in Engineering from Princeton University. Ari is the CIO of cryptocurrency hedge fund BlockTower Capital. Prior to his time in the crypto space, Paul was a portfolio manager for the University of Chicago's endowment, as well as a derivatives trader. He is interviewed about his views on crypto regularly by publications like BusinessInsider and Forbes. Ryan was the Managing Director at CoinDesk, a site providing the latest news, analysis, and insights in the cryptocurrency and blockchain spaces. Prior to CoinDesk, Selkis was the Director of Growth for Digital Currency Group, an investment firm focused on the crypto space. He holds an MBA from MIT School of Business. Joey wrote the first node implementation of Ethereum, and also made significant contributions to the development of the geth, go-ethereum, and cpp-ethereum protocols. He is a managing partner at consulting firm Cyborgenic, which focuses on fintech innovations. He is also an active angel investor and startup advisor. Brock is the co-founder of Blockchain Capital, a venture capital company that invests in blockchain related startups (such as EOS and Tether). He is the Chairman of the Bitcoin Foundation, and also runs one of the top AngelList syndicates. He also speaks at numerous blockchain events and conferences around the world. Spencer is currently the Head of Research at Blockchain Capital, one of the first funds focused solely on blockchain technologies. He formerly was the VP of Equity Research at Needham, where he led the firm's research on blockchain technologies. He holds a BS in Economics from University of California, Santa Barbara. Michael is presently an investor and the CEO of Galaxy Investment Partners, which makes investments in emerging blockchain startups. Novogratz was formerly a principal and member of the board of directors of Fortress Investment Group LLC, and was the Chief Investment Officer of the Fortress Macro Fund. Da is the co-founder of blockchain group NEO, formerly known as AntShares. He is also the founder and CEO of OnChain, one of China's most innovative blockchain technology firms. Through OnChain, Da is collaborating with the Chinese government on establishing blockchain technology standards that will apply across the country. Willy is a data-driven cryptocurrency analyst and bitcoin investor, writing primarily for his blog, Woobull. He writes regularly about cryptocurrency as an investment for publications like Forbes, CoinDesk, and BraveNewCoin. Woo also speaks regularly about bitcoin at conferences and events around the world. Gav is the founder of Parity Technologies, which develops cutting-edge blockchain applications. Most notably, Wood was one of the co-founders of Ethereum, having coded its first functional implementation. He is also the co-founder of Grid Singularity, which aims to develop a decentralized energy management platform. As the President and Co-Founder of Blockchain.com, Cary travels the world to connect with the bitcoin community and be an evangelist for the story of Blockchain. As an active philanthropist, Cary executed the world's first University donation in Bitcoin. Cary is also an active investor in cryptocurrencies and blockchain. Lombrozo is the co-CEO and CTO of Ciphrex Corp, a provider of enterprise-grade software specialized in the cryptographic transaction processing (CTP) space. Before his time at Ciphrex, Lombrozo was the founder of cryptocurrency startups CoinSurge and RingCoin. Lombrozo is also an active contributor to Bitcoin Core. Vlad is part of the Ethereum Development Team and is an analytics consultant at Burson-Marsteller. Zamfir is known for his active involvement in the Ethereum community, as well as his consistent research in the blockchain technology space. Brad is currently the CEO at Ripple, an enterprise blockchain solution for global payments. He is also a board member for Animoto, a video creation service. Previously, Garlinghouse was the CEO of file-sharing startup Hightail and also held senior roles at both AOL and Yahoo. He also has a MBA from Harvard Business School. Elizabeth is the founder of Lightning Labs, which develops Lightning, an open protocol layer for blockchain. She is also a fellow at Coin Center, a cryptocurrency policy institute. Stark is an advisor to numerous AI and blockchain startups, and previously taught at Stanford and Yale, and holds a law degree from Harvard. Preethi is a blockchain engineer that formerly worked at Goldman Sachs and Andreessen Horowitz. She is the founder and CEO of Schelling, a blockchain startup currently in stealth mode. Kasireddy was an engineer on a number of blockchain and smart contract projects, and previously was a software engineer at Coinbase. Kyle is a prolific freelance writer who focuses primarily on Bitcoin and cryptocurrencies. He regularly contributes to Forbes, Bitcoin Magazine, CoinJournal, and Crypto Insider, among others. His commentary and writing has also been featured on Motherboard, NASDAQ, and other publications. Charles is the co-founder of Ethereum and is presently the CEO of Input Output, a Hong Kong-based blockchain research firm. He was also a founding member of the Cryptocurrency Research Group, which was established in 2013. Hoskison is a bitcoin evangelist, and writes about cryptocurrencies for numerous publications. Vinay is presently the CEO of Mattereum. Gupta helped coordinate Ethereum’s 2015 release, while working as a project manager on strategy and communications. He is also the Designer of the United Arab Emirates' National Blockchain strategy, which will enable Dubai to become the first blockchain-powered government. ‎Meltem is the Managing Director at Digital Currency Group, which invests in (and advises) 100+ bitcoin and blockchain startups. She is a member of the Global Future Council on Blockchain at the Davos World Economic Forum, and is also an advisor and teacher at MIT and the University of Oxford. Andrew is an early investor in bitcoin who is now the co-founder of BTC Media, a leading provider of news and educational information about financial technology and cryptocurrency. DeSantis is also a software engineer at 21 Inc, which is focused on building out the full-stack infrastructure for Bitcoin. Marek is the CEO and Head IT Architect at Satoshi Labs, which is responsible for building some of the most widely used Bitcoin products (such as TREZOR, Slush Pool, and Coinmap). He is one of the co-inventors of TREZOR, and founded Slush Pool, the world's first bitcoin mining pool. He has been involved in crypto since 2010. Michael was a former executive in the banking industry, and was an early evangelist for Bitcoin. Parsons is now a sought-after speaker and advisor on the subject, and currently serves as the Chairman and Executive Director of the Cardano Foundation, which promotes and supports the new Cardano blockchain protocol. Ray is the co-founder of Unocoin, an India-based startup that aims to make it easy to securely buy, sell, and store bitcoin. He has been involved with cryptocurrencies since 2013, when he directed Business Development for Buttercoin, one of the earliest cryptocurrency trading firms. Anondran is a cryptocurrency analyst and trader who is best-known for his Twitter-only commentary on the crypto world. Anondran covers Bitcoin and Ethereum on a regular basis, as well as other alt-coins (such as ZCash, XRB, and others). "Alexander is the co-author of ""Blockchain Revolution"" (along with his father, Don Tapscott) and is the CEO and founder of NextBock, a blockchain investment firm. Tapscott has advised multiple government agencies on blockchain (particularly in Canada) and has spoken at numerous conferences about the potential of the platform." "Author of the best-selling ""The Business Blockchain"", the first detailed book on the blockchain ecosystem, and its future. He is the producer of Token Summit, which is an in-depth exploration of the Token-Based Economy. He is an advisory board member at the Ethereum Foundation, as well as Coin Center." Craig is the Chief Scientist of nChain, a startup focused on transforming how the world conducts all transactions. nCash was recently acquired by a private equity fun. Controversially, he is rumored to be behind the psuedonym Satoshi Nakamoto. He is also the founder of Australian cryptocurrency company DeMorgan Inc. Ryan has been active in the bitcoin community since 2011, and has been an active contributor to the Bitcoin open-source community. He is the creator and CEO of Yours.org, a bitcoin-centric social media startup. Previously, Charles was a cryptocurrency engineer at Reddit, and led development for Reddit's cryptoequity project. Kris is the CEO and co-founder of Monaco, the pioneering payments and cryptocurrency platform with a vision of Cryptocurrency in Every Wallet. Marszalek is active in the Asian crypto community contributing to industry events and engaging with media to discuss the implications of cryptocurrency and blockchain solutions. Jackson is the creator of Dogecoin, which currently has a capitalization of $1B+ and is now a widely traded cryptocurrency. Palmer is presently a Group Product Manager for cloud products at Adobe, and also runs a popular YouTube channel that's widely followed in the crypto community for its thoughtful analysis. Chris works at Bitfinex, the world's foremost cryptocurrency exchange, and is the founder of ProTip, a P2P tipping platform. He is also a presenter at the World Crypto Platform, an open-source media platform that covers the crypto ecosystem. He also runs Future.do, P2P recruiting and career coaching service. Alan is the founder and CEO of BitPremier, a Bitcoin-only marketplace that specializes in real estate and luxury goods. In addition to founding BitPremier, he's also a Senior VP at Capital One Healthcare. Prior to starting BitPremier, Silbert held senior management roles at GE Capital and Merill Lynch Capital. Dan is the CEO of Pantera Capital, an investment firm focused exclusively on digital currency and blockchain technology. He also sits on the Board of Directors at Bitstamp, one of the world's largest Bitcoin exchanges. Previously, Morehead held senior roles at Goldman Sachs, Deutsche Bank, and Tiger Management. Muneeb is the co-founder of Blockstack, a full-stack solution for decentralized apps. He has given several talks on cryptocurrencies at forums like the TEDx conference, and has written numerous academic publications and whitepapers on the topic. He also has a PhD in Distributed Systems from Princeton University. Nejc is the co-founder and CEO of Bitstamp, an online cryptocurrency exchange. Bitstamp was the first fully licensed cryptocurrency exchange in the EU, and has been growing rapidly since being founded in 2011. Kodrič has been involved with Bitcoin since 2011, and speaks at cryptocurrency conferences around the world. Michel is the founder of the P2P Foundation, an organization studying the impact of peer to peer technology on society. He is a P2P researcher, and is a frequent speaker at bitcoin and crypto conferences around the world. He has also written for publications like Al Jazeera and Open Democracy, and was featured in the New York Times. Francis is the Head of Research at Catallaxy and CEO of Satoshi Portal. Catallaxy combines the technical expertise of the best blockchain talent and the consulting power of the accounting firm Raymond Chabot Grant Thornton. Satoshi Portal works on a number of cryptocurrency projects, such as exchanges and payment solutions. Peter is the co-founder and CEO of Blockchain, a company whose software powers hundreds of crypto applications around the world. Smith is widely regarded as an expert in the crypto space, having been featured in the Wall Street Journal, the New York Times, Fox Business News, and Bloomberg (among other media outlets). Oleg is a protocol architect at blockchain startup Chain, and is a crypto-anarchy historian. He is the author of the Gitbox app, as well as the CoreBitcoin and BTCRuby libraries. Andreev also developed the Mycelium iOS crypto wallet. He is known for being the designer of Russian social network VK's video sharing service. Elaine is presently a blockchain engineer at Global Financial Access, a financial technology firm in the Bay Area. Previously, Ou was a lecturer in the electrical and information engineering department at the University of Sydney. She holds a PhD in Electrical Engineering from Stanford University. Based in Johannesburg, Ran is the host of CNBC Africa's popular TV show, Cryptotrader. He is the founder of OnChain Capital, a bitcoin investment firm, and is the CEO of The Creative Counsel, one of South Africa's largest marketing agencies. He holds a Bachelor's degree in Commerce from the University of Witwaterstrand. "Susanne is the CEO of FINTECH Circle, Europe’s 1st Angel Network focused exclusively on fintech opportunities. Through this role, she also founded the FINTECH Circle Institute, which is a P2P online learning platform. She is also the author of best-seller ""The FINTECH Book"", the first globally crowdsourced book on fintech." Jonas is a Bitcoin Core developer and maintainer. Schnelli is the co-founder of digitalbitbox, a Bitcoin hardware wallet that's presently in development. Author of libbtc, a key Bitcoin library. He has been interviewed about his views on cryptocurrency by a number of publications, such as Bitcoin Magazine. Rochard is a Software Engineer at Axial, an online deal network, and also is an expert in the cryptocurrency space. Rochard was formerly a Staff Accountant at BitPay, and also worked as a Senior Accountant at Hudson River Trading. He also cohosts the Noded Podcast, which covers cryptocurrencies and blockchain. Linda is the co-founder of Scalar Capital, a cryptoasset fund. Xie is also an Advisor at 0x, a decentralized exchange run on Ethereum. Previously, Xie was a Product Manager at Coinbase. Prior to that, she was a financial analyst at AIG in New York. She holds a BS in Economics from University of California, San Diego. Juan is the founder and CEO of Protocol Labs and inventor of the InterPlanetary File System (IPFS), a new protocol to make the web faster, safer, and more open. Benet is also the founder of Filecoin, a cryptocurrency-incentivized storage network. He holds a MS in Computer Science from Stanford University. Larsen is the co-founder and Executive Chairman of Ripple, an enterprise blockchain solution for global payments. He is presently an advisor at Distilled Analytics, a data science firm. Prior to founding Ripple, Larsen was the CEO of Prosper, a P2P lending service, and was also the CEO of E-LOAN, an online lending service. Stephen is the co-founder and CEO of Bitpay, a Bitcoin merchant service. Prior to founding Bitpay, Pair was a senior development engineer at IBM. Widely regarded as a cryptography expert, he also holds two patents related to streaming analytics. Joseph is a financial analyst and journalist based in Hong Kong. Young is well-known in the crypto community for his regular contributions to Cointelegraph, Cryptocoinsnews, Hacked, Merkle and other publications. He's also the Managing Director at NewsCrypto and B21M, focusing primarily on bitcoin and cryptocurrency news. Preston is the founder and former COO of Monax,the makers of the first open-source permissioned blockchain client (now called the Hyperledger Burrow blockchain client). Byrne specializes in advising law firms and public sector organizations on how to best handle emerging technologies like cryptocurrency and blockchain. Ben is the CTO at BitGo, a blockchain security company. Davenport has been an investor in bitcoin and actively involved in the crypto space since 2011. He is an investor in numerous blockchain startups (like BitPay, Coinsetter, itBit and Yoyocard), and runs SVBitcoin, a cryptocurrency and blockchain focus group. Arianna is an early stage investor, with close to 40 investments in the crypto space to date. She was previously a product manager at BitGo, a Bitcoin security provider. She is also now a venture partner at Crystal Towers Capital, an investment firm focused on emerging technologies, enterprise SaaS, and healthcare. Tai is a Senior Technical Analyst at Cryptocurrency.Market and the co-creator of the TaiFuâ„¢ 30 Cryptocurrency Market Index. Zen is a renowned authority on cryptocurrencies and frequently gives interviews on the topic to news outlets around the world. He is an active trader in Bitcoin, Ethereum, and other cryptocurrencies. Alex is a Founding Partner at Tetras Capital, a hedge fund focused on diversified cryptoasset exposure. Sunnarborg founded Lawnmower, a blockchain investment startup, which was later acquired by CoinDesk. Prior to joining Tetras Capital, Sunnarborg worked in banking and was a Research Analyst at CoinDesk. Tony is the co-founder and chairman of the online crypto payments firm BitPay - the world's largest bitcoin payment processor. Gallippi speaks regularly to the media about bitcoin and cryptocurrencies, and in 2013, also spoke before the US Senate about bitcoin as a means for preventing credit card fraud. Ansel is the host of Bitcoin & Markets, a podcast that examines markets and politics, money and economics. Lindner has been involved with Bitcoin since 2011, and founded his own firm, Blockchain I/O, to house his crypto projects. He also writes frequently for various news publications about blockchain and bitcoin. Diego is the CEO of RSK Labs, which is putting blockchain technology in the service of social transformation. He is widely regarded as one of the foremost Latin American thought leaders involved in cryptocurrencies and blockchain. Gutierrez is a frequent public speaker, and volunteer based in Buenos Aires, Argentina. Ned is the founder and CEO of SteemIT and the creator of Smart Media Tokens (SMT). Additionally, he founded SteemNetwork, a blockchain-based rewards platform for publishers to monetize content and grow their communities. Before his forays into the crypto space, Scott was an analyst at Gellert Global Group. Wong is a reporter covering tech, cryptocurrencies, urban studies and blockchains at Quartz. Before his time at Quartz, Joon was also a reporter at CoinDesk, and spent some time as a freelance journalist as well. He holds a Masters in Arts from University of London, and a BA in Journalism and Philosophy from NYU. Olaoluwa is the Chief Technology Officer at Lightning Labs, an open protocol that leverages blockchain to enable private transactions anywhere in the world. Prior to this, he spent time interning at Google in software engineering. He also holds a Master's in Computer Science from University of California, Santa Barbara. Oscar is a Senior Reporter at Business Insider UK, covering fintech, cryptocurrencies, and retail. Prior to joining BusinessInsider, Osuntokun worked for the London Evening Standard and Independent newspapers as their stock market reporter - and before that, covered London's technology scene for the local newspapers. Chris is a bitcoin evangelist, public speaker, podcaster, and journalist. He is the lead organizer of the South Florida Bitcoin group, and a prolific YouTuber at his channel, Bitcoin Uncensored. He is also the Community Director at the Counterparty Foundation, and writes regularly for publications such as Bitcoin Magazine.

currencies. Fourteen national currencies went out of circulation when the Euro was first introduced, and another six have followed them. This drastic change left many coin collectors and ordinary Europeans with pockets full of small change in non existent currencies. Today, these coins exist as tangible pieces of European history.If you have pre-Euro coins that youd like to exchange for cash then we can help. We exchange pre-Euro coins for individuals, businesses, charities, schools and hospitals. Some pre-Euro coins are worth more than others, for example some Peseta coins can be exchanged, however coins like the French Franc have only a nominal value. If youd like to exchange foreign coins then go to our page How to send us coins.Why exchange Pre-Euro coins with us?Pre Euro Currency InformationPre-Euro coins exist in twenty national currencies. Austrias national currency was the schilling, while Belgium, France, Luxembourg and Monaco all issued francs. Italy, Vatican City, San Marino and Malta all used currencies called lira, while the name of the German mark was echoed in Finlands markka. Irelands pound, also called a punt, was joined in retirement by Cypruss pound. In addition to these currencies, the Dutch guilder, Portuguese escudo, Spanish peseta, Greek Drachma, Slovenian tolar, Slovak koruna and Estonian kroon have all been replaced by the Euro.With twenty pre-Euro currencies, there is an enormous variety of pre-Euro coins. Each currency had its own peculiarities. For example, the Dutch guilder resembles modern Dutch Euro coins in some ways, such as bearing an image of the monarch of the Netherlands on the obverse, but its eccentric structure, which included a 2.5-guilder coin, is now gone.Some pre-Euro currencies had a long and illustrious history. The Dutch guilder, for instance, represented the legacy of centuries of Dutch trading power. Others were more recent the Slovak koruna, for instance, had only come into being in 1992 to replace the Czechoslovak koruna, which in turn was a post-WWI invention. Similarly, the Irish pound was a product of Irish independence in the 1920s, although it drew on a long history of Irish coinage under British rule.Just as Irish pre-Euro coins drew on British coinage for their structure, many pre-Euro currencies used the currencies of neighbouring countries as their inspirations. The Monegasque franc, for example, used the same denominations of value as the French franc, while the Sammarinese lira was identical to the Italian lira.The design of coins in the period prior to the transition to the Euro was highly varied. Some countries used simple designs, showing the bust of the monarch or other ruler on the obverse with the denomination and some other national symbol on the reverse. This type of design was found in the Netherlands, Belgium, Luxembourg, Vatican City and several other countries. Other coinages included national symbols such as common animals, landmarks, historic buildings, coats of arms or famous historical leaders. Eastern European nations, struggling to assert their identities in the aftermath of the collapse of the Soviet Union, tended to have the most diverse coin designs, with a wide range of patriotic symbols.Hello there, I have some pre-Euro coins that I have found today while cleaning up my drawer. They are French Franc 63.30- all coins. I wonder how much would it be if I send over to get GBP back, if the value is only a little than I might not do anything with it. Thanks in advance! Cheers.Hi Joey,Thank you for the enquiry. The French Franc ceased to be redeemable by the national bank in France in February 2012. We only buy them to recycle when part of a larger collection of coins so unfortunately they are of minimal value and would not be worth sending on their own.Dear who it may concern.I have recently come across 14,000 100 French franc coins. How much would I be able to get for them?Yours sincerely JohnHi John,All French Franc coins ceased to be exchangeable in February 2012. Very few have any collectible value but if you let me have the year I can confirm for you.I have been very impressed with your level of service. Reinforced box, because of the weight of coins, provided to me and then uplifted. A professio...Here at Oakwood Dog Rescue we were really happy with the service we received from cash 4 coins. It was very quick and with free collection over a cert...This is an excellent service: clear instructions for packing and posting the currency; prompt acknowledgement of receipt; and a detailed explanation g...I am writing to say how pleased I am with your service. 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Within a week of sending off my currency they had paid a most agreeable sum in to ...I have dealt with ' Cash 4 coins ' for several years and on every occasion have found their service to be of an excellent standard and have no hesita...On two occasions I have used cash for coins and I have appreciated the home collection facility together with an itemised result of the coin's values....We are delighted with the professional service you have provided. It's a really simple system; pack up your currency and drop off at nearest myHermes....I would like to thank you for your help with queries and information. Cash for coins is a very good company to use if anyone has any old foreign coins...I didn't know what to do with my old coins. Neither the bank nor the post office would take them. So I was delighted to find that Cash 4 Coins would t...Highly recommend Cash4Coins. Efficient straight forward fast service. Many thanks! I was very pleased with the cash 4 coins service. It was quick and easy and hassle free. I particularly like the fact that you offer free collection f...I have no criticism at all of the way in which Cash4Coins dealt with the currency I sent. Instructions on the website were very clear. We simply dropp...Your service is brilliant, I did not expect to receive that much back! Thank you so much for you service, will be definitely be using you again. Thank you for the currency you have processed for me. I was very pleased and surprised by the amount of money I got back for some very old coins that ...On behalf of The Martlets Hospice in Hove, Sussex, may I thank you for an excellent service with our shipment of coins to you. 330 Euros plus some mis...Thanks Cash4Coins, a quick and efficient service yet again. Our charity receive a lot of unwanted foreign coins and notes, and this is always a simp...I would like to say that the service I received from C4C was excellent. Everything was made so very simple at every stage of the exercise. Many t...Thank you for your efficient, friendly and helpful service. As a charity we received lots of foreign coins and notes, and to have them collected for...Thank you for all your assistance and professionalism in dealing with this. We are very happy with the GBP value we will be receiving from you and wo...Thank you. A simple way for parents to contribute to school and every little really does help. Local collection point was a real bonus and made the ...cash4coins offer and provide a very quick and easy way to exchange both British and Foreign coins and notes. I was very pleased with the detailed bre...I have been really pleased with the end to end service offered by Cash4Coins. From the first point I contacted them when we were doing our company col...I was very pleased with the cash 4 coins service. It was quick and easy and hassle free and allowed our charity to dispose of our unwanted change. I h...Very pleased with the service from Cash4Coins. I wasn't sure what to do with some old coins and notes as they were low value. Cash4Coins were able to ...Very pleased with the service and professionalism. Thank you for the information giving detail of content, values and the issues with realising return...Thank you very much for payment received for my currency. I was pleased to find your website and to be able to sell my old unwanted coins and notes so...Thank you so much for dealing with my coins so quickly, the whole process was very easy and also communication was great throughout, the amount I was ...Cash4coins converted 6kg of coins into usable funds for our charity quickly, efficiently and at no cost to us. I shall definitely use them again.Very speedy service, free shipping, with free collection if the package is over 10 kg, definitely is a nice bonus. The team went to great lengths to e...Thank you for your very efficient service with very clear instructions and free collection service. As a registered charity, 207.62 is a very usefu...Thank you for an excellent service great communication and a very pleasant experience.I was delighted to discover a company offering such a fast and convenient service, and they did not disappoint. I would recommend Cash4Coins without h...I was very pleased with the cash 4 coins service and the price offered for my coins. It was quick and easy and hassle free. I also like the fact that ...Thank you for transforming our box of unwanted foreign coins and notes we have collected from businesses and supporters over the past few months. We ...That is brilliant amount and I am over the moon with the service.I was very pleased with the cash 4 coins service. It was quick and easy and hassle free. I particularly like the fact that you offer free collection f...I have been very pleased with your service. Everything was made very easy for our school to raise some much needed funds. I particularly liked the way...This is an excellent service and I received more cash than I expected in return for the coins I sent. Payment into my bank account was swift. The emai...Cash4coins has been amazing. At first I wasn't to sure about them but the fact that there is a land line phone number re-insured me. This company is r...I have been very happy with service provided by Cash4Coins. This was a first time when i exchange foreign Euro coins and have been very impressed how ...I had a very positive experience with Cash4Coins. As a company we generate a lot of different foreign currencies, so the service is very easy and effi...C4C is a most efficient and courteous company to deal with. So many companies in UK could learn a lot from the way they conduct their business. So im...Cash4Coins were efficient and friendly and did everything in the timescale that they said they would. In addition we were able to turn the foreign cur...I am very satisfied with the service offered and the ease of sending the currency Following our previous coin collection provider no longer being available Cash4Coins was selected and we have used them for one collection to date. Ou...Ive been very impressed with your service and the return from the coins we collected for our charity event. I would definitely use you again and w...Many thanks! I cannot recommend Cash 4 Coins, it is a totally stress free fund raiser for our Infant School and nobody minds donating coins to as the ...I would like to confirm that Cash for Coins is an honest and straightforward organisation which communicates very clearly every step of the way right ...This was the first time I have used C4C but I wouldn't hesitate to use them again and will recommend them to friends. The service was easy to use, qui...I have been delighted with the service I have received from you which all ran very smoothly from the time I delivered the package to receiving the mon...We have only started to use Cash4Coins but already the service has been fantastic, speedy and efficient. We have raised over a 1,000 from our first...Thank you very much for providing such an excellent service. I was surprised to find that the coins could be dropped locally for courier delivery to y...I have rarely worked with a more efficient organisation which actually does what it says on the tin, if not more Many thanks, the whole experience couldn't have been an easier service, great communication and a no hassle way to shift any size of stockpile of unwa...Many thanks for your prompt, efficient and reliable service. I had been storing a bag of brown Euro coins at home for years not knowing what to do wit...Once again I have been impressed with the overall service provided by Cash 4 Coins.You always keep the customer informed as to the expected length of...Thank you very much for a 100% trouble free way of getting cash back on old travel money. I had loads of old Spanish coins & Maltese money, and though...I highly recommend cash4coins services! I had a whole bunch of coins that I had collected over the years from my travels and they were just sitting in...Your service has been prompt and efficient. I am very pleased with the process.I thought the service Cash4coins give is first class. It is very easy and everyone from the people who answered the phone to the driver that picked up...Thank you very much, this was a great service, funds were paid on time and the staff are extremely helpful, I would certainly recommend this service.Thank you very much for an easy transaction. I had a lot of old and foreign coins that I had no idea what to do with and was pleased when I came acros...Cash4coins have been totally fantastic in helping us raise over 100.00 for our church. They have very efficient, courteous and prompt in all dealin...Cash4Coins were simply, easy and efficient to use, giving you clear instructions, options and support. Highly recommend them as the best way to chang...Cash 4 coins is the best, they helped me get cash for my old large British coinage. I highly recommend them to any one, as you will be satisfied. Tha...This was the first time I had used Cash4Coins and they really made the process quick and easy. From me supplying the foreign currency, I had a cheque...May I compliment you on your excellent service, we as an organisation would have no hesitation in using your services again.Cash4Coins is very easy to deal with. Efficient and easy, it was a pleasure working with them. This is the second time I have used Cash4Coins and I'm ...Thank you very much indeed for your prompt service which is much appreciated. I will certainly recommend Cash4Coins to my friends and would have no h...I have just checked my account (45 minutes after your email) and the cash is already there. I am struggling to think of any other company I have dealt...I would just like to say how delighted I have been by the service provided by your company. In particular Andrew went the extra mile to collect my box...We are delighted at the service and friendliness of all at Cash4coins. The service has been efficient prompt and helpful - thank you for helping the ...Easy website, you get prompt reply with labels , form , packing info and details of where to drop package off. This was tracked so i could see it had...Thank you Cash for Coins. Your service has once again been easy to use, clear in the way it operates with the customers and is of tremendous use for C...As a local charity, we are always on the lookout for innovative ways to generate income. Cash4Coins gave us an easy way to make the most of all those...Cash4coins I would like to highly recommend to others! Very clear online as to how they work! Simply box up your old coins/notes send them to them and...Many thanks for the cheque and I will pass your information to Age UK Sevenoaks. I was very impressed with your friendly and efficient service. Best...Thank you so much for the payment. I would certainly recommend your service to anyone interested. The convenience of dropping off my currency at a loc...Cash 4 Coins provided me with a rapid, efficient, friendly and informative service. I have for many years put my foreign currency in my drawer and str...Thank you for the prompt receipt of the cheque. I am delighted, as always, with the speedy, friendly service from the team at Cash4Coins. All the mone...In our fund-raising efforts we came across Cash 4 Coins We found it an easy way for our members to help us towards our target. The company were effi...Thank You! Brilliant service...good communications.....for a bucket of money that no-one wanted.....we're very pleased with the results!!Hi all @ cash 4 coins, Thank you for the superb end to end service that I have received in exchanging my pile of euro coins. A unique process that I ...Many thanks for the cheque of one hundred and one pounds. I received on Friday. The Cyprus notes had been in a purse for years, I will recommend your ...I am very pleased with your service. The staff have been helpful when I've called, the exchange rate of 75% is reasonable considering it's coins, the ...This is the second time I have set up a charity to use you and again you have not disappointed. Great service and communication so thank you. Kidney...Cash4Coins have been very fast and efficient before and after sending coins through for sorting. Response to email questions were replied to within...I am busy mum with two young children, so am always on the look out for ways to make extra cash! I heard about cash4coins so I rooted through all my d...An extremely efficient and helpful service. Excellent and so nice to experience in these days of generally poor service elsewhere.C4C were very helpful, approachable and easily contactable in providing an efficient service. Highly reliable and friendly team.Cash 4 Coins have been beyond helpful with exchanging my old, foreign currency. They made the process so easy and I felt safe sending my money off to ...Fabulous customer service and very quick response to initial request. Good rate for redundant notes and very pleased.I would recommend cash4coins as they manage your expectations and do as they say. I received my bank transfer just a few hours from accepting their of...Having traveled for work & pleasure mainly in Europe I had a few coins from the travels. I found them on the web and found the service simple and pro...A fantastically easy and efficient way to turn unused foreign bank notes into money for our charity, and the staff on the phone were really friendly a...Very helpful and prompt service. Wouldn't hesitate to recommend or use again. Many thanks for all your help! Thank you we received the money and are already collecting more coins so will be sending off some more to you in the future!Everyone I spoke to told me there was no way to convert euro coins to sterling in the UK. So what a surprise when a quick search found you on the inte...This is the first time I have used Cash4Coins after finding them through Google. I have to say the service was brilliant, the pop up chat on the site ...I'm very happy with the service I received at Cash4Coins. The staff member on the phone was polite and efficient. After sending off my currency I rece...I used Cash 4 coins for the first time and have been really impressed by the Company. Quick, easy and highly efficient, they make turning unwanted coi...I sent in euro coins and old coins before the euro existed. Cash4Coins operated like clockwork, emailing me that they had received the coins and again...I am delighted with how easy it was to send coins to Cash 4 Coins, plus I'm impressed with the simplicity of the transaction to receive the credit. I ...A quick and efficient service, thank you.Cash 4 Coins have been a great fundraiser for our School. I had never used it before but the team were exceptionally helpful when I contacted them, an...I have been utterly impressed with the Cash 4 Coins service. From the initial contact with them right through to receiving the funds I could not fault...This is the first time I have used C4C and the service was really great. Efficient, polite and trustworthy, will definitely use C4C again!Delighted with the service provided by Cash4Coins, which I have now used twice. The courier pick up was from a local shop, which was easy and straigh...If I was to imagine the best service I could want from changing odd coins to cash, you are it. You exceeded my expectations, which makes a refreshing ...Cash4coins offer a very professional service. I would not hesitate to use their services again in the future.The service I received from cash4coins , was excellent, kind ,polite , answered questions with patience I would recommend them to any of my friends w...Thanks so much for such a quick payment & actually amazingly well done customer service! I've been somewhat disorganized but the folk at cash4coins ha...May I just take the time to thank you so very much for the cheque which arrived today and for the way you have dealt with the transaction. We are very...As a new customer I have been impressed with the service given. From start to finish you give easy to understand instructions coupled with an honest ...Thank you for taking my currency , it was a bag of money I've had lying round for a good few years, not knowing what to do with it ! It was good to fi...Thanks very much for the fast processing of the coins I submitted. Very easy process and very well organised. I was initially hesitant to send off my ...I had a load of old Cyprus Currency, Which C4C gave me a rough idea of what they would convert them for. They also told me the price I would get if I ...Extremely happy with service provided via cash 4 coins, professional, friendly and everything was sorted within a timely manner once i have another...Many thanks for your kind and courteous help in dealing with my coins recently.I will be glad to recommend your company.Cash for coins are the best. Helpful, quick, efficient and easy to use and understand.No sooner had I accepted your offer today than payment arrived in my Paypal account! Aside from the speed, I much appreciated being informed of progr...We were absolutely delighted with the amount of money we got back from Cash 4 Coins. We have had a money globe lying around for months and to be hone...Cash4coins were extremely efficient when I needed to exchange lots of different coin denominations. I really wasn't sure where to go to for help & was...Cash 4 Coins provide a friendly and approachable service and a good way of fundraising for charities such as ours!Cash for coins is a great service, easy to use and understand. Payment is made quickly and the communication is first class. We have used your service...I thought i must write to comment on the marvellous service i received. Many dot.com companies promise good service and few deliver, but cash4coins ce...Cash4Coins is probably the best service company I have ever dealt with - always a swift response (human, not automated) with a very professional, frie...I would highly recommend cash4coins, it's easy to use, efficient and hassle free.One is always cautious about using a web site that is unknown to you, however C4C provided an excellent fast service and the money we received well ex...Thank you. I have been very impressed with your service. You were recommended on Money Saving Expert and I thought I would give you a whirl. What a g...Thank you for this very efficient response in payment for the coins, current international and what I call "shrapnel" I have used your facilities seve...Initially I was very apprehensive about using a service like this because it was very new to me, Cash4Coins made the process very quick and easy. I wa...Cash4coins is the simplest and easiest way to take your jar of random coins and actually do something useful with it. Donate it to charity, take the c...Just a quick email to say thanks so much for the cheque you sent recently. Everything was fast, friendly and efficient - I have already recommended yo...Cash 4 Coins continues to be a very efficient way of raising funds from leftover foreign coins and spare pennies. We have used them several times now,...Cash4Coins was very pleasant and efficient to work with. We were able to raise money for our school with very little effort on our part. Parents were ...What a great service have just received payment via PayPal! I travel a lot with work and had accumulated piles of foreign coins which had been sa...Just the service I was looking for to dispose of old coins put aside by my late father who thought they might be valuable one day. Collection was arr...This is the first time I have used cash4coins and it is a superb idea providing an excellent service. The exchange rate is very competitive given the ...Many thanks again. Great communication throughout. Payment was made exactly when advised. Very happy.This was my first time using Cash 4 Coins - it was simply because while having a tidy up over Christmas I found some old foreign notes and coins which...Just to say how well and business like our transaction was done!Would definitely use c4c again.Many thanks.Although it took a bit longer than expected (which might be caused by Christmas and New Year), I have been fully satisfied with C4C.Your service was very good, as usual. I was disappointed to have a delivery charge levied as this had not been done before. I do not recollect havin...This is the first time I have used C4C - brilliant service. The old coins belonged to my Mother-in-Law who is nearly 90 and in a care home. Though onl...Thank you very much for my payment which was paid into my bank today. I must say that i think your service is superb, you have done exactly what you s...First rate service. I wish I had known about you in my travelling days! I have just sent an email to the accounts guy at the company I used to work fo..."C4C provides a fast and efficient service that is highly recommended. The communication is excellent and the whole process stress free. What more can...Fantastic Service - Cash4Coins have done our girls proud. Girlguiding Coventry South say thank you very much! Our members collected in their friends ...Cash4Coins' service was impeccable. The easy-to-follow instructions for packaging, the no-nonsense method of collection, and the polite and efficient...This organization does what it claims to do and it does it in a timely and communicative manner.C4C has been an easy hassle free experience, good communication and efficiency through out. happily use this service again for my unwanted currency in...I had so many mixed coins from various countries I never plan to visit again. It always seemed a massive waste to have these gather dust. Cash4Coins m...What a superb service one phone call raised a pleasant well informed lass who advised me how to go about my transaction, I bagged up the coins and del...Highly delighted with your service. Courier collected coins on the agreed date and payment was made promptly into our Scout account.C4C have again provided excellent service! From arranging pick up to collection, counting and payment they have been fast, courteous and efficient. De...C4C provides a much need fair coin exchange service. From start to finish they let me understand at what stage my currency conversion was at and stuck...I found cash4coins service professional, transparent in dealing with them from start to finish and very punctual and they do what they say they will a...I liked the promptness of the service, from collection to payment. You were careful to notify me of what you saw as a slight delay, (although that did...Thank you for your excellent service which has been efficient , keeping me informed what was happening. I would certainly use your company again, it ...Cash4Coins are just wonderful. They make everything so simple, trouble-free and efficient. Their ethos is superb service, communication and follow-up....The service that Cash4Coins offers is a reliable, speedy one. Advice given on the phone prior to posting coins was first class. System for collectio...C4C have been excellent. Efficient, informative and timely. In future, we know exactly where to go when we need to offload some foreign coins. 5 Stars...Cash 4 Coins has enhanced our fund raising activities by adding another recycling opportunity to our portfolio. In the current financial climate it i...Cash 4 coins are an excellent company to use fast reliable with excellent customer service and communication would recommend them to anyone, and would...I was impressed with the service from Cash4Coins. They explained everything clearly and the process was easy to follow! I'd definitely recommend them!...Excellent service - payment made before promised date. Well pleased and will use the service again in the future.We are raising money for a local Charity and as a Travel company we had a LOT of foreign coins from all over the world just sitting in a bag in a desk...A friend of mine found the C4C website for me when I needed a way of exchanging foreign coins for Macmillan Cancer Support. I was really impressed wit...It has been a relief to find a reliable and friendly service where we are able to send our old and foreign coin collection. The ease of sending them ...Funds received as promised. What a fantastic service! I thought it was a great service simple to use and didnt take long too convert my foreign coins into cash. This is the first time Ive used ...Any Charity's main priority putting aside the service they deliver is to Fund raise, when I discovered Cash 4 Coins I honestly thought it was to good ...I received a very good price for my coins and notes! My queries were all answered politely. Payment was made straight into my bank account. Thank you ...I was really pleased with the recent sale of coins with you. I found cash4coins really excellent to send coins to, as your contact by email was fast ...True to their word cash was in my account within the 2-3 hours that was stated in email promt and efficient service - will use again.I was fully satisfied with the service I received and the prompt payment. I would not hesitate to use C4C again.Being part of Lions Club International I would like to thank you for all the help you have given me and I hope in the near future we will be in con...I am very happy with the service you provide. It is very easy and great that over a certain weight you collect for free. The payment is quick to arr...I must admit, I've been very pleased with your service (especially the speed of responses to communications) and can confirm that: As a a seasoned tr...Thank you very much! the service you provide is excellent! I was extremely pleased at how friendly the service was and the speed that my currency was ...A great service from a friendly and efficient company. Would highly recommend to anyone with a stash of coins they don't know what to do with. Paymen...Thank you your service is to be recommended and I have been very pleased with the help and advise and your very prompt replies to my queries. Would c...I travel the world for 10 months of the year with my job and can find myself working in up to 5 or 6 different countries over that time, so naturally ...Thank you very much for your prompt service. I found the staff very polite, friendly and efficient. I would certainly recommend Cash 4 Coins to fr...Thank you C4C, You provided a very quick and efficient service. Your customer service was excellent. You have made my 12 year old twins extremely happ...'Extremely satisfied with the brilliant service; good communication and speed. Couldn't ask for more. Would definitely recommend!'After doing a little research on the internet, I found your company and made first contact with a tentative enquiry. I received a reply almost immedi...Thank you very much for payment received for my currency. I was both surprised and pleased to find your website and be able to sell my old unwanted c...Thank you so much for exchanging the coin and notes that I sent to you. The service I received was fantastic and I know that the charity I am sending ...I highly recommend this company - I had a few old foreign coins and notes which I sent in, and I received a quick and courteous reply, listing the val...Thank you so much. As a Charity I did wonder how we were going turn a huge volume of foreign coins into cash, but I have to say Cash 4 Coins made it v...Thank you very much.Your speed and quality of response is excellent.You obviously know what you are doing it is a pleasure to be responded to so quick...Thank you for your fantastic service. As my colleagues and I run a busy fundraising office we never got round to counting the donated foreign coins. F...Thank you for a great service - I wanted to find a way to give a whole pile of old coins to charity and C4C provided the perfect, easy answer!Thanks for all your help. Cash4Coins have been professional throughout. The information supplied about sending my currency was very concise and easy ...I have just received a payment of over 140.00 into my account, and would like to take this opportunity to thank you for your extremely efficient, sp...Thank you for such a wonderful service. Everything was so easy and painless to do. Our group will continue to collect coins for the future. I have been ever so pleased with the service I have received from Cash4Coins. The team from customer services were able to provide me with the answers...Initial contact, exceptionally helpful most efficient, quick response to emails and telephone calls. Excellent information provided on boosting incom...Cash 4 Coins has restored my faith as to how companies should be run. From the moment the phone was answered on my initial enquiry nothing has been to...Excellent customer service when I had to call as Id not heard anything turned out it was human error in typing the email address. Sorted out s...The cash 4 coins service allowed me get rid of a large amount of foreign currency that I used to collect. The service was fantastic from start to fini...I have now used C4C a few times and find their service consistently of a very high standard. Their instructions are very easy to follow and the whole ...It has to be said that C4C do exactly what they say. The service is quick and efficient. I will definitely use the service again. For anyone concer...Thank you for providing such a simple, efficient service. It has been a pleasure to deal with a company whose communications are clear, the timescales..."First class service , fast, efficient and above all communication is conducted in a very professional manner, do not hesitate to send your unwanted c..."Excellent service. Everything was sorted out within two weeks of sending the package. In my case, this is not long at all as the package had a variet...I have been using cash 4 coins for the last few years and I would recommend them to any one. They are quick courteous and have excellent customer ser...This is the second time we have used Cash 4 Coins and are very very happy with the service we receive the admin team are extremely courteous and the s...Dear Cash for Coins, Thank-you for the very efficient and careful way in which you have dealt with our latest consignment of coins and notes. We real...Thanks - what a wonderfully efficient, honest and simple system. Helpful and friendly service. I will certainly be spreading the word and encouraging ...C4C has been a brilliant way to raise funds for our school. The school children and local business all helped our collection. Im sure we will be ...I have been extremely pleased with the whole concept of cash for coins from the free collection and sorting to the offer and payment in a quick time. ...Having just used coins4cash I found them to be, very polite, very fast and very good. Also liked the local pick up collection points. Would certainly ...I have to offer a massive thank you to Cash4Coins for all of their help, they offered a first class service from my first phone call. Sending me lots...Thank you for your prompt payment. My remittance of coins and notes was dealt with promptly to my complete satisfaction. I will be using you again.Just to like to say thank you for your expert and professional service and prompt payment. Will defiantly be a repeat customer.I have never envisaged having to deal with coin exchange, but this occurred through a recent sad loss. Please put on record my gratitude at the great,...Just wanted to email you to thank you for helping Trafalgar Schools with their fundraising efforts using your efficient service. We managed to raise ...I have been very pleased indeed with the service I have received from Cash4Coins. This is the first time I have used Cash4Coins and I am very happy t...I can whole-heartedly recommend cash4coins as an extremely easy way to make money! I had a bag of old currency taking up space in a drawer so decided ...I was really pleased with cash 4 coins.Irish notes I had for years and thought were worthless were worth over fifty pounds,It's well worth looking thr...This is a great service. Having travelled to many countries I had lots of small denomination currency. They were all changed quickly and easily. Thank...I discovered Cash 4 Coins doing a web search. I made an enquiry and received a very friendly and prompt response by telephone. This gave me the confid...I was extremely happy with the service provided by cash 4 coins Within the space of a few days I have received an offer which I was pleased with and...Great to have a facility to trade in coins and small bank notes and get money for what is usually left in a tin never to be used again. Really thought...'I am absolutely delighted by the service Cash For Coins provide. There were a number of free collection points within easy walking distance of my hou...I'm extremely satisfied with cash 4 coins as I was able to make money out of unwanted coins that were sitting in my drawer. Cash for Coins was fast, q...Dear Sirs, I sent three batches of coins and Banknotes and was delighted with the efficient fast service and excellent exchange rates given. I wo...Many thanks, much appreciated, your service has been fast and efficient, and I particularly liked the choice of being able to make a donation rather t...You are very efficient and quick considering what is involved with the valuing of the assortment of coins I sent you. What you say on your website you...Last year I found your website, I was very sceptical about the claims made by cash4coins and the glowing comments which were purported to have come fr...Thank you cash 4 coins , your service has been quick and easy, I had 5 kg of coins that I sent to you free of charge, I liked the fact there was no o...I have used cash4coins before and have absolute confidence in your handling of this most useful service. Quite frankly, I wouldn't entertain using any...A quick, easy and efficient service, many thanksI found this firm on Google search as I had no idea were to send all the coins I had, so I tried Cash 4 Coins, and they were very helpful, I told them...It's easy reliable and makes good sense!Your service was polite and professional. I was able to pass on a surprising sum to a dear friend who had no idea what to do with the pile of "scrap" ...Cash4Coins is the most efficient and courteous company I know. The company have provided a great way to increase funding to any charity. Highly rec...Thank you very much, payment received within a matter of hours! I have used C4C a couple of times in the last few months and have to say that the serv...I will admit at first I was rather sceptical of this site at first but I was wrong. Excellent and quick communication and I would recommend to anyone ...I would like to thank you very much for your fast and very efficient service. I have no complaints or negatives what so ever and look forward to doin...I would be happy to recommend you to a friend or partner business as the service you provided was excellent and so easy. We did a collection to raise ...Very impressed with your service - answers and replies always immediate, very good prices paid, and most useful not to have to pay collection charges ...I have now received payment for the coins/notes I sent. Thank you for your efficient service. I can certainly recommend Cash4Coins company to anyone w...Please accept this comment for your website: As a charity it was important to us that the foreign coins we had been donated did not go to waste, and ...The service from Cash 4 Coins was brilliant, from my initial enquiry all the way through to receiving our payment. It was a very easy and hassle free ...The service at Cash 4 Coins was very professional and easy to use. I wondered what to do with my bag of foreign coins which had been lying around the...Cash4Coins offered a very simple solution to all those unwanted coins hanging around in drawers and jars. With very little effort on our part, we rais...Not often do I have anything good to say about a service, but cash4coins is simple to use and a very efficient service. Staff are very helpful and fr..."Very helpful help line and online chat system. Excellent collection system and good communications throughout the whole process. Then a detailed re...Just want to let you know the service you provided was excellent. From the moment I contacted you to the final act of receiving payment. Everyone cont...Many thanks for your efficient professional service in changing all my euro coins. They sat in a drawer for months doing nothing! After looking you u...It was my first time for changing a large amount of foreign coinage and I found Cash4 Coins made the process easy, they answered any queries I had an...Cash4Coins is a very useful way of recovering the value of old or foreign currency. Their website is easy to use and gives clear instructions what to...At first, I was at a loss to know what to do when I found kilos of foreign coins in a cupboard. I googled the question and came across Cash4Coins, who...Im more than happy with the cash 4 coins service. Without them my box of coins would be still sitting in the corner of my room. Now its cash in my ban...ust wanted to say a big THANK YOU for the cheque I have received today for 51.56. I have been delighted by the service which you have offe...Cash for Coins provided a good service. They were flexible around collection, provided clear details on packaging everything and were able to process...Although my order didn't go smoothly (my package went missing), as soon as I contacted Cash4coins to alert them to this they promptly looked into it, ...I am extremely impressed at how quickly and efficiently Cash4Coins dealt with my stack of foreign monies. I would most definitely recommend them! I found cash 4 coins very helpfull and easy to use with very little hassle and they are very helpfull. I would recomend them to any one and i will co...Thank you very much for the coins offer which is more than we expected! We accept it and look forward to adding the cheque to our fund raising. If only every business in the UK was like yours! Clearly you are a business that understands the fundamentals of good business practice, ie looking a...Had a very smooth service with great communications with the account manager and the team. We managed to raise 401.00 for our school at South B...I was very pleased with the service provided. I was kept informed about my coins from receipt and processing through to the valuation. Payment was sen...Just received the cheque from you for our charity - thank you. You have been most efficient and courteous and I would highly recommend Cash4Coins serv...Thank you for your cheque received yesterday.... I would like to add that when a friend of mine mentioned as part of her late uncles estate she had fo...Cash 4 Coins is a unique service, and the fact that they responded to any queries I had very quickly was brilliant. The level of care they gave me was...Smooth and efficient Service throughout - A fantastic start to our local 2014/2015 Royal British Legion Poppy AppealI have used Cash 4 coins a few times and have been impressed by the efficiency, friendliness of the staff. A great service. Highly recommended!When it comes to choosing how to exchange foreign coins and notes we know that you want a fast, simple, open and honest service - and that's what you get with Cash 4 Coins. We are trusted by individuals, national charities, banks, businesses, schools and hospitals to exchange foreign coins and (of course) to provide the best rates in the UK. For your peace of mind we are registered under the Money Laundering Regulations (MLR) and our activities are regulated by HM Revenue & Customs. We are also proud to be a member of the IBNS, the International Bank Note Society.