That's the problem. Hype is what usually ruins top-ranked blockchain networks like Bitcoin and Ethereum. Fees rise like skyrocket, while transactions take a lower time to confirm on the Blockchain. ETH developers are pushing towards Layer-Two scalability, but that won't fix the problem in the long run. On-chain scalability is the way to go if developers want to keep fees as low as possible. I know they've announced the Proto-Danksharding and Danksharing network upgrades, but it's going to take quite a long time before ETH gas fees decline to an acceptable level.

In the meantime, I'd suggest you use another blockchain network (BNB, ADA, etc.) for complete peace of mind. There's a lot of money invested in Ethereum, so I'm confident developers will keep improving it until it becomes a "force to reckon with". Who knows if mainstream countries will adopt ETH as legal tender sometime in the future? Just my thoughts

It's obvious Binance US doesn't have XMR as a trading pair. That's because they want to avoid trouble with the regulators. With how aggressive the SEC is, crypto exchanges will think twice before continuing their operations within the US. Other countries are more flexible in regards to crypto/Blockchain tech regulation. Wherever privacy coins are accepted with open arms, will be the place where exchanges will list XMR without remorse.

Don't expect Monero to gain popularity, as most of the world's governments hate it. I'm fine with Monero just the way it is, as long as it remains decentralized and open to everyone. I wouldn't be surprised if XMR ends up being traded only on DEXs and P2P trading platforms due to ever-tightening crypto regulations. Who knows what the future holds for the cryptocurrency? Just my opinion

The FED's "partnership" with Hedera Hashgraph is going to be huge. It's likely the market price of HBAR will soar towards new heights for an extended period of time. Compared to Ethereum, Hashgraph is 10x faster and cheaper to use for day-to-day payments. What I don't like about it is the level of centralization existent within the network. Sort of like Ripple's XRP "cryptocurrency". Why would I want lower fees and faster confirmation times, if mainstream governments could easily shut down the network at will?

If I put my money into HBAR, it would be a very small portion of it. The rest will be put into ETH for safekeeping. Investors/traders don't care about decentralization as long as they're able to make "the big bucks". Who knows if this will help HBAR rise all the way towards the top ranks in market cap? Just my thoughts

Exactly. You'll never know if USDT loses its value in the future due to bankruptcy, a hack, or any other undesired event. Investing into it is like playing the "Russian Roulette". After all, stablecoins are NOT backed by the government. If you want to be safe, cash out to Fiat instead. Things don't last forever, anyways.

Once CBDCs are launched (especially the US Digital Dollar) you can say goodbye to stablecoins for good. I'd be surprised if somehow Tether manages to survive the constant pressure of the regulators. If it's still afloat, then it could live alongside CBDCs for a very long time. No one can predict the future, so lets hope for the best. Just my thoughts

Indeed. Elon Musk's Dogecoin holdings is a mystery to many. But even if he had 50% of all the DOGE, he would not be able to control the network itself due to the way it was designed. Only miners with their ASIC equipment will be able to do so. I don't think Mr. Musk will be able to afford lots of ASIC hardware just to "steer" the Blockchain to his own direction. If he does manage to pull it, the community will simply fork away to a new chain. That's the beauty of decentralization.

I think the same will happen with "De-Fi" platforms. If they integrate KYC, the community will fork off and carry on with the original project in a truly-decentralized manner. We must remain vigilant in these crucial times. As long as there's one cryptocurrency that's decentralized, there should be nothing to worry about. Just my opinion

All eyes are on US regulators' stance towards the stablecoin industry. They can either approve the new trend, or outright reject it. If they approve it, they will regulate it "down to the bone". I wouldn't be surprised if Paxos sues the SEC due to "unfair regulations". A win would mean PYUSD and BUSD will continue their operations normally. Otherwise, you can say goodbye to stablecoins for good.

PayPal's new stablecoin aims to compete with already-established players in the industry. I'm yet to see whenever it will have large demand and liquidity/trading volume in the long run. Who knows? Maybe it'll become the second-largest stablecoin after Tether? Just my opinion

That's certainly true, mate. It's best for Monero to remain "under the radar". Else, it would bring unwanted attention. Governments don't like privacy coins, so expect further opposition against Monero in the long run. With how things are turning out to be for the cryptocurrency, it's likely XMR will only be traded at DEXs in the future. Every new project we see these days is focused on smart contracts, scalability, and user-friendliness. Privacy/anonymity doesn't come to the minds of developers like it used to back in the early days. A pity because this will make crypto more centralized and transparent under the eyes of mainstream governments and third-parties alike.

At least, Monero is still the #1 privacy coin in the world. Whereas Zcash, Grin, and BEAM are lacking behind, Monero keeps bringing innovation and continuity to the privacy-oriented crypto space. Who knows if Monero is the only privacy coin left in the future? Just my thoughts

It's completely mind-blowing to know that there are quadrillions of satoshis in existence. Imagine how expensive it will be to use BTC once 1 satoshi hits dollar parity. If that happens, eveyone would have to move to the Lightning Network. Or developers could just divide 1 satoshi into smaller denominations (although I think that would require a hard fork).

If we are alive by the time 1 satoshi equals $1 (which I doubt), we'd become filthy rich. I'm confortable with BTC hitting at least $1m. As long as it stays decentralized, there should be nothing to worry about. Who knows what the future holds for the cryptocurrency? Just my thoughts

I think this new stablecoin is nothing but pure hype. It doesn't bring anything new to the table. PYUSD is just like Tether and USD Coin but with PayPal's branding. Those who have an account on PayPal will be able to access PYUSD directly for goods and/or services. The company is just trying to get into the crypto/Blockchain train. Binance USD is also issued by Paxos (the same issuer of PYUSD), and it's been facing issues with the regulators recently.

Don't expect PayPal to be treated any better, especially when "The FED" doesn't want to lose control/dominance over the USD. If Facebook's planned stablecoin turned into a failure, I would expect the same to happen with PYUSD in the long run. Things could turn into another direction if the US eases off its crypto regulations. No one can predict the future, so we can only hope for the best. Just my thoughts

You want to know why Monero isn't as popular as other coins? Simple. It's because governments have been labeling privacy coins as something used by criminals (tax evaders, money launderers, etc). After all, they don't want people to obtain privacy and true financial freedom. A cryptocurrency they cannot track, trace, or even control, would be considered "an enemy of the State". The fact that many exchanges have de-listed Monero, tells us how powerful governments' influence can be over the crypto industry.

I'm fine with Monero just the way it is, as long as stays private and decentralized. Maybe it will live alongside Bitcoin for generations? Just my opinion

You've got it all wrong. Stablecoins don't solve the inflation problem. After all, they're directly tied to Fiat currencies (usually the USD). The only benefits they bring are portability, faster and cheaper transfers (depending on the Blockchain network they're deployed into), and programmability.

With CBDCs right around the corner, it's likely stablecoins will cease to exist in the future. After all, governments will have more power/control with a CBDC than a privately-owned stablecoin. The future is unpredictable, so expect the unexpected. Maybe stablecoins will get to live alongside government-issued digital currencies (CBDCs) forever? Just my thoughts

These so-called regulations are designed to help protect governments' and big investors' interests. They will drive crypto towards centralization, greatly defeating its original purpose. If we want Wall Street to "pump" market prices all the way to the moon, this would be the way to go. Without regulations, crypto would be operating "under the radar". This means little-to-no mainstream exposure, resulting in lower market prices.

What matters is that crypto stays decentralized so it could stand the test of time. With decentralization + censorship-resistance, governments will have a hard time taking full control of crypto/Blockchain tech. They can regulate centralized exchanges, but they will never be able to enforce regulations at the protocol level. Who knows if governments will give up on their quest of taking down crypto for good? Just my opinion

Since when does "De-Fi" need CEOs to operate? Wouldn't that make them centralized? The only way governments will be successful is if they find out who the developers of the "De-Fi" platform are. But if it's someone like Satoshi Nakamoto, then good luck with that. Decentralization must prevail for people to escape the clutches to evil banks and governments alike. Without decentralization, we would get a "glorified banking system" subject to the likes of a few players.

I really hope governments don't enforce KYC on "De-Fi" or it will be the end of an era for good. Most platforms are centralized, so it will be easy enough to enforce regulations. Who knows if the crypto industry is heading towards a dark future? Just my thoughts

I was not aware of that. Maybe it's because I've been using the native wallet all along? This is a serious issue that needs to be addressed ASAP. But knowing that the TRON developer team is virtually non-existent, don't expect any improvements on the Blockchain anytime soon. It's a pity because TRON held the potential to become a viable competitor agaisnt Ethereum. If it were active in development and innovation, it would've been behind giants like Cardano and BNB.

I'd just invest a small amount of money into TRX, just to be safe. Who knows if TRON is about to die soon? Just my thoughts

Elon Musk can move market prices for his own benefit, but that doesn't mean he controls Dogecoin. More like he has a huge influence on the crypto market itself. The DOGE blockchain is decentralized, outside the control of a single person or entity. Mr. Musk's DOGE holdings cannot be used to make decisions on the chain itself. If Dogecoin were a PoS cryptocurrency, things would've been different. I'm glad it's still a PoW coin, at a time when most altcoins are switching to PoS. They're just afraid of mainstream governments with their "high energy consumption" FUD. But what most coins are doing is sacrificing decentralization by becoming "carbon-neutral".

I think "De-Fi" platforms will please the regulators just to avoid being left out of the game. Otherwise, governments could close them down for good (if they're not as decentralized as they claim to be). The crypto world is constantly being challenged by the threats of centralization, so expect things to get worse in the long run. Assuming all altcoins become centralized, we'll be left with Bitcoin as the sole alternative against the corrupt monetary system empowered by banks and governments worldwide. Who knows what the future holds for "De-Fi"? Just my opinion

There's small inflation, and then, there's too much inflation. I'd choose my coins wisely, as "not all that glitters is gold". There are so many coins with a huge supply that could end up being worthless in the long run. But that's not always the case, especially if the coin has active development and innovation. Real use cases is what matters above all else.

Consider how Dogecoin is still worth something even though there are lots of coins in circulation. New units will be created every year, leaving us with an endless supply of DOGE. Coins with a limited supply are more likely to rise in price within a short amount of time. I'm talking about coins like Bitcoin, Litecoin, Diamond (DMD), and Dash. Especially Bitcoin which is the most popular cryptocurrency in the world. Who knows how the market will change in the long run as new players join the scene? Just my thoughts

I'm pretty sure developers will come up with a solution by the time 1 satoshi hits $1. They could either make satoshis fractional or simply move most of the network activity to the Lightning Network. We have plenty of years to enjoy BTC before this happens. It's likely we'll be dead once BTC goes all the way to $100m. It's an insane prediction, but anything's possible.

What matters is that Bitcoin remains decentralized so it could stand the test of time. No matter how much a BTC is worth in the future, I'd say it has already achieved its purpose in bringing financial freedom to all. Who knows if the whole world is close to adopting BTC as an alternative to Fiat currency? Just my opinion

LTC won't stay "cheap" for long, especially when it's one of the oldest coins with a limited supply. Each halving event will positively affect LTC's market price in the long term. We just have to wait until Bitcoin turns bullish for LTC to go all the way above $100 per coin. It's possible LTC will be worth $500 within a few years from now. While other coins are overhyped, they're not as useful and reliable as Litecoin is.

I believe developers should add smart contract capabilities to Litecoin. It would expand its capabilities beyond compare. Maybe making a smart contract sidechain or L2 network will suffice? The sky is the limit to how far LTC will go. As long as decentralization is prioritized, nothing else matters. Just my thoughts

I’ve been testing Utopia for a few days now, and I have to say it’s very impressive. I like it very much.

Here’s my honest review:

The desktop software combines many web services into a single package. For instance, I can send messages to anyone on the network via chatrooms (channels) or simply write an email to my friends in one place. I can also register my own alias (similar to Ethereum’s ENS) or even interact with the integrated AI chatbot based on ChatGPT. Some features like the uNS and the Crypto Card cost a certain amount of CRP to use them. Others (email, IM, web browsing) can be used for free. The built-in wallet allows you to mine CRP coins, as well as stake them whenever necessary. Best of all, the Utopia platform has a native web browser that’s privacy-oriented. It's Firefox-based, which is a good thing because Google dominates a huge portion of the web with its Chrome engine. I’ve used Utopia's web browser and my experience was pleasant. Pages load fast without any issues. I'm guessing you'll be able to access websites with uNS domains through that web browser sometime in the future. Sort of like how you can access ENS domains on a Chrome-based web browser using an extension. Back to the wallet itself, I've found myself the Crypto Card to be a pretty useful feature. You can share that with merchants and/or businesses to avoid exposing your utmost sensitive information. Overall, the Utopia software is very responsive, and the user interface is quite easy to understand. I like the fact that you can change the UI to your liking by selecting one of the pre-installed themes. There’s also a “swap” section where you can exchange CRP to UUSD (the native stablecoin of the Utopia Blockchain) or vice versa. If there’s one thing I’d add, that would be direct integration with either the TOR or I2P networks. It would add an additional layer of privacy for the paranoid. Maybe I’ve missed that part? Let me say that the Android version of Utopia is almost the same as the Windows version, except that it's missing some features.

Anyways, the idea of an app that relies on a P2P architecture for just about anything is genius. I’m not sure if all the services provided by Utopia run on the Blockchain, but it would be cool if it does. This would be like a decentralized “super app” that would give you freedom + privacy whenever you need it the most. A great addition to anyone's arsenal.

Screenshots (click thumbnails to enlarge):














Thanks to @joeperry for the giving me the opportunity to write this review. I look forward to seeing this project become a widespread success in the long run.
 

Payment received. Thank you.