Interesting update

very positive offcourse for future


Never resting, always moving
As we’re constantly working on improving our service, we’re now tuning in with some updates that will provide greater transparency, give an extra security boost and help speed up the handling process. Let’s take a look at the changes.

Say hello to the SMS account verification
Up until now, users have only had to verify their newly created accounts via email. To provide greater security and grow a healthier user base, we’ve decided to implement an SMS verification as well. In practice, it means that upon registration, you’ll get a text with a PIN code to verify your account and complete the registration process. This way, we’ll be able to minimize the number of fake registrations and provide additional security. In the upcoming updates, SMS verification will be implemented for the transactions as well.

Faster transactions, better results
Speaking of transactions, there are some updates in this area too. As our user base has grown exponentially, there has been an ever-growing number of transaction requests, which is why we’ve decided to speed up the process by determining the minimum amount that you’ll be able to withdraw from your Viberate account and transfer to your wallets or exchanges of choice. The limit is currently set to 100 VIB. This way, we can provide a faster service and an even better user experience. Cheers to that!

Greater efficiency in building the database
Yes, we’ve made it happen. You ask, we listen. From now on, it won’t be possible to add artists and venues that are already in the database or pending, and the same goes for suggesting changes for their profiles. When you try to add an artist or a venue to the database, the system detects the links to their social media pages and prevents you from adding an existing entry. That way, you can minimize the time you spend contributing to the database and maximize your efficiency.

VIBERATE is going to the world's famous elite of music and business&crypto


Will Changelly be added this year?

Roadmap is very promising and leet




Roadmap
In last three years, InsurePal has walked a long road from a great idea to a most serious business. Since we are aware insurance is one of the most regulated industries, we want to ensure optimum conditions for achieving our goals in the set time. Our team is 100% passionate and absolutely committed to delivering our promise to you.

 

2015
Social proof and first round of funding
Insurance industry is full of irregularities.

Founders identify the science of social proof as a solution and invest close to $500.000 to develop the social proof model and web app demo.

Calibrated mathematical algorithms confirm the model brings from 30% and up to 70% cost reduction.

2016
US & worldwide patent
Social proof insurance patent protection is filed in US and worldwide. Founders pitch the idea in Silicon Valley but refuse several million offer to be able to develop InsurePal on their own terms.

The methodology, viability assessment and a legal review of the project are developed. Blockchain is identified as the missing piece. Several meetings with crypto think-tanks occur. InsurePal core team is assembled.

2017
Core team & ICO preparation
InsurePal enters in partnership with Netis Group and expands the team with several blockchain and IT experts.

The architectural design of the InsurePal platform and its functionalities begins. Parallelly, the extensive preparations for ICO go about.

2018
Platform launch & extended blockchain features integration
16 January: IPL token crowdsale

The development of InsurePal platform core begins. First social proof modules are ready to be used. PR & Marketing campaign launches.

We obtain MGA insurance license for UK market and start with UK pilot project. Platform is further developed and new social proof modules are integrated, ready to be used by third-parties. Extensive legal and regulatory preparations to obtain the EU passport license begin.

2019 and on
Global expansion & B2B partnerships growth
Additional functionalities are implemented. Partnerships with interested third-parties are further promoted. Implementation of claims community handling model begins. All InsurePal activities are promoted on a global scale.

InsurePal platform to become a “to-go” global social proof insurance.

7.6 billion world population
28 million remain uninsured in U.S. only $45 billion lost annually in the U.S & Europe because of fraud $386 a person could save yearly on a car insurance
 

7 trillion
total addressable market
70 billion
expected market share
340.000
average blockchain transactions per day
65%



Insurepal can reach in next few years x1000 x10.000 ROI


Must put max gwei and gas at 16.jan

w0w 6800 members on Insurepal telegram

What a big and cool community

InsurePal Presale Sold-Out. Crowdsale Starts on 16 January 2018.

We are happy to announce that we have reached our funding goal and sold out 70% (140,700,000) of IPL tokens during the whitelisting presale at 15:00 UTC. From this moment, the presale is officially closed and transactions are no longer accepted. Keep in mind, in order to participate in the token crowdsale, whitelisting and KYC will be obligatory.

InsurePal Presale Hard Cap Sold Out
InsurePal has reached presale hard cap of $12 million in just a few days since it opened. We have paused accepting new contributions and will reopen for our regular InsurePal token sale, starting on January 16.

Whitelisting presale is therefore officially closed. The funds raised will be used for the development of InsurePal platform, enhancing user experience and making vital strategic partnership to become number 1 social-proof insurance on blockchain in the world.

For IPL Crowdsale Whitelisting&KYC Are Obligatory
Please, keep in mind some important notifications:

1) The presale is now officially closed. We no longer accept any transactions. If you have sent us funds after reaching the presale hard cap, we will transfer them back to your wallet address.

2) InsurePal public token crowdsale will begin on 16 January 2018. Only those who will whitelist their wallet addresses and successfully complete the KYC process prior to the date will be able to participate.

3) If you didn`t make it on time, don`t worry. Your turn will come during the upcoming ICO on January 16. However, we advise you to act quickly: whitelist your address and complete the KYC process by following this link: https://insurepal.io/whitelist.

On this occasion, we sincerely thank each and every one of the early contributors who supported us in such a large number and confirmed we are on the right track. There are a lot of goals and challenges ahead of us. We commit ourselves to follow the roadmap plans, taking into account all the principles of transparency, and of course: your advice.

We kindly invite you to actively co-create the future of insurance, which is ultimately intended to serve you best!

For more information about InsurePal crowdsale, visit our website www.insurepal.io and join us in conversation!

For all lazybones =)

with KEPLER running price will hit 50$ in 2018

VIB = great investment

Soft Cap of $5 million right before New Year`s is reached today!   (PR manager post it on Insurepal telegram)


CONGRATS Insurepal team + wise investors!


 

HAPPY NEW YEAR!  HAPPY INSUREPAL YEAR

Jump on HVN train people

it will be EPIC


[$HVN 2017 -> 2018] Hive Project: An Epic Journey and a Fintech Giant in the Making!
We’ve had an unbelievable year here at Hive Project HQ, making not only December a month to remember, but also 2017 a year to remember too! When we started our crowd-sale, even our wildest dreams were blown away when we released our DEMO version a mere 6 months later — with a strong business lined up and ready to be plugged in too! And when reading through our Telegram channel and social media, it becomes increasingly clear how much strong progress we have made in becoming a real fintech giant to be reckoned with!

Ending 2017 in Style: A DEMO Revealed — Backed up with First Business Deals!

It has been an epic journey. Since our award-winning ICO, Hive Project has progressed from promise and potential to becoming a recognized and trusted fintech brand with a DEMO version of the platform to show, but there is still no end in sight to our progress. My team and I are still working all-nighters to deliver the first ever blockchain based platform to give SMEs worldwide fast and low-cost liquidity. And on time too, just as we promised. We just keep on delivering: our Proof of Concept (PoC) in Las Vegas and the DEMO version a week ago being two examples!

The fact that we have been focusing solely on the product and ensuring its long-term future by backing it up with business deals is, in my opinion, the best investment in Hive Project’s bright future! There is no time for bulls**it here. We are here to deliver and create long-term value for our contributors! And that is why it gives me such great pleasure to get so much feedback, emails and phone calls of support and praise from SMEs (debtors) and investors (factors) from all over the world! This confirms that we are on the right path to achieving success, and we will continue to work just as hard in the future.
For those asking about how you can test out our DEMO, you can play around with it HERE! As my co-founder and CTO, Dejan Jovanovic, explained, the Hive Project DEMO is a fully clickable demonstration of the Hive Project Platform’s capabilities, and interacts with a private instance of the Ethereum blockchain. With added functionalities, drastically improved performance and an intuitive user experience, I believe we have made a crucial first step towards ensuring the Hive Project Platform’s long-term viability.

And when adding our first ERP deal (!) and the FUNDS (!) committed in our “Jump-Start Liquidity Pool” to the equation, it is now becoming crystal clear that 2018 will be HUGE for Hive Project and our amazing community of contributors!

2018: SCALING UP TO A €2.5 TRILLION MARKET!

With our development team working wonders on a daily basis, we have been keeping pace with the business side too. We made our TELEGRAM ONLY ANNOUNCEMENT on our ERP deal just last week — going public with Hive Project’s integration into a leading regional ERP provider for SMEs. We are delighted that Adacta (https://www.adacta.si/) has seen what Hive Project Platform can bring to the table for their customers, and that they will fully integrate us into their systems. With this agreement now signed, sealed and delivered, we are already working on other ERP providers to follow. For now, however, we will be making Slovenia, Croatia, Serbia, Germany, the Czech Republic, the UK and Russia (!) our first go-to markets when delivering our platform during the period Q2 to Q3 of 2018 — and there will be more countries to come!

Tomaz Volk, Founder and Managing Partner of Adacta Holding: “Hive Project’s blockchain-based liquidity-providing platform is a unique solution for SMEs around the world. It is a truly revolutionary product and we are looking forward to implementing it into our systems and making it available to our clients.” For more information about Adacta, please check here: https://www.adacta.si/

With a powerful business backing up our development, we are surer than ever that we will deliver exactly what we promised — and create long-term value for our contributors in the process! The numbers are there for everyone to see. And we believe that that the targets set in the Business Roadmap Summary are eminently realistic and achievable.

Let there be no doubt about it. Our first go-to markets have incredible potential, including powerhouses of the European economy, and we will do our best to continue delivering as we have done so often until now!

With 5.67 million small and medium sized enterprises (SMEs) in Russia (!) and an annual turnover of USD 2.5 trillion for the companies in our first go-to markets alone (!!), we have laid strong foundations for our success and scaling up in 2018!
Although we made some strong steps toward success in 2017, I am certain that we will make giant leaps forward in 2018, and make Hive Project a fintech unicorn in the process! Our team is extremely dedicated and highly motivated, and our amazing community continues to back us up. So, here’s to making 2018 a year of success for Hive Project!

InsurePal is a next generation of peer-to-peer insurance based on social proof endorsements, fully harnessing the power of blockchain innovation.

Crowdsale begins on 16 January at 13:00 UTC


ONLY 23 days to go guys


Buy cheap ETH now

and apply to whitelist - To make the token sale an easier process for those of you who believe in our vision the most, we have decided to create a whitelist. Successful acceptance to the whitelist will guarantee you the ability to contribute a specific amount of ETH prior to the official IPL token sale start.

https://insurepal.io/whitelist

1$ will be bottom soon

https://www.viberate.com/venueslanding/all/all/all

Partytime!

Airdrop?

InsurePal aims to become a first-of-a-kind blockchain-based decentralized insurance platform powered by social proof guarantee. InsurePal is a next generation of peer-to-peer insurance based on social proof endorsements, fully harnessing the power of blockchain innovation.

It will serve as a replacement for insurances as we know and offer a completely new type of coverage for areas of life and business that began to emerge with the evolution of blockchain and transactions being carried out on the distributed ledger.

what role will have Euan King?

I find you guys on LinkedIN

i am new in crypto


i can invest now with my 4ETH?  or i must wait 16.jan.2018 ?



InsurePal is a next generation of peer-to-peer insurance based on social proof endorsements, fully harnessing the power of blockchain innovation. It will serve as a replacement for insurances as we know it and offer a completely new type of coverage for areas of life and business that began to emerge with the evolution of blockchain and transactions being carried out on the distributed ledger.


Idea is really amazing!


Thank you for answers

what-HOW is different jaxx if i have VIB in MEW?

i find Insurepal at cointelegraph


Insurance About to Make a Big Jump Into Crypto World: InsurePal ICO Starts on January 16

InsurePal is challenging the $7 trillion global insurance market of today with a distributed, self-adjusting insurance platform. Harnessing the power of blockchain, they introduce a completely new model of risk selection, guided by the science of social proof. In other words, their network uses peer-to-peer endorsements to improve segmentation, lower premium costs and offer incentives to their users.

Insurance is one of the sectors that are not usually a part of blockchain discussion. One of the reasons is the industry is so tightly regulated that not many businesses can compete, as they have to undergo severe legal and financial procedures to prove their models` sustainability. The other is its organizational structure, as it is an industry controlled by big corporations with a rigid structure, meaning the entry point is extremely high. And the later, but certainly not the least, is the challenge of how to effectively apply blockchain in insurance. It is not easy to come up with a disruptive new insurance structure that can work as an agile self-adjusting platform, store information the ledger, offer cheaper insurance and attract masses, all at the same time.

However, InsurePal is set to do everything mentioned above. The distributed insurance platform has reinvented the science of social proof to work similarly as a third-party deductible in banking. This means that the policyholder will be able to lower the price of his premium with the help of his trusted contacts. In other words, his endorsers also accept financial responsibility in case the policyholder makes at false-claim. The simplest application of social proof would be in motor insurance, as explained in their whitepaper: John`s best friend Mary knows his driving habits and therefore endorses him. For that, she gets an immediate bonus, whilst John ends up with a cheaper premium. If nothing goes wrong, that is pretty much it. However, if John files an at-fault claim, Mary is the one held liable.

Therefore, social proof is peer pressure put to good use: it motivates beneficiary behavioral patterns and changes groups, and even society for better without aggressively invading privacy. And, blockchain`s immutable record is an impeccable way to store the social proof into the ledger. As such, it can serve as an important sign of one`s diligence and can be used to gain benefits across various insurances and even across different industries.

One of the InsurePal`s most exciting use cases is definitely the insurance of blockchain business transactions. The team is convinced this type of insurance will bring in the missing trust among all the stakeholders and serve as an additional boost to the rising decentralized economy. Certainly, the platform also promises many interesting features to incentivize both, the engaged crypto users and those who have not yet meet with the world of crypto.

The InsurePal team is 30 members big, comprised of experienced and renown insurance professionals and blockchain, IT and communications experts with a track record of successful projects; a PoC published on GitHub and, what is rare but very promising, an innovative solution that was filed for patent protection in US and worldwide. For more information, please visit their webpage or read their whitepaper and mark January 16 as the starting day of their crowdsale.

https://cointelegraph.com/press-releases/insurance-about-to-make-a-big-jump-into-crypto-world-insurepal-ico-starts-on-january-16


What if ETH prices will reach 1000$ or 1500$?

Will there be some flexible calculations?

Thank you very much

Great guys!

Education for crypto&security and usage is important!