 Serge Beck is a serial entrepreneur, venture capitalist, IT specialist, and CEO and Founder of Optherium, an innovative fintech research and development company building a Global Finance Blockchain Infrastructure.
Beck is driven by his belief that people deserve sounder, more secure financial services in our tech-driven world and is committed to eradicating current problems detrimental to end-user experience through the creation of synergized, decentralized products. Earlier in his career, Beck was responsible for engineering some of the most critical and innovative technological infrastructure at premier US financial institutions, including Bear Stearns, Republic National Bank, HSBC Bank and Merrill Lynch, where he revolutionized the way market participants could operate through advanced software development. Beck went on to found and serve as CEO of Bellaria Enterprise, a global production and distribution company and HYPR.com, a top 5 security company in the world. He is currently authoring a book aiming to inform people on the life-altering potential that blockchain technology possesses. |
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 Just a couple years ago, many people including the banking industry and businesses predicted that mobile wallets would quickly replace cash and plastic cards. However, mobile wallets haven't exactly taken off; consumers just don’t seem interested. The reality is that mobile wallets still have a long way to go. What problems do mobile wallets solve?From the consumer’s perspective, not much. Consumers usually don’t like change and see no need to switch to a different payment method unless there’s a clear and exciting benefit. For most consumers, using cards is convenient and straightforward. That’s why credit and debit cards are still the most popular method of payment, especially for online purchases.
VivusPay™ Mobile app - https://itunes.apple.com/ua/app/vivuspay/id1390247834?mt=8 |
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It's just perfect, the commission is not that big, but it's good that it can be even smaller.
Yes, usually the commission in wallets is 1%. For a good profit, more turnover is required than in other wallets. The team of the project counts on the fact that the service of her wallet will be used by many people, that's why she established a low commission percentage. The difference will be blocked by a large number of users. You must first attract this large number of users! And if there is not a lot of them at once, will the transaction price grow? The transaction price will not grow. |
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No more then 0.5% for small amounts.
I correctly understood: if the user will deduce from your purse a large sum of money, the system will write off more than 0.5% of the commission? No for big amounts the commission will be less then 0.5%. Optherium is intrasted in users who transfers big amounts and they will have less commissions. |
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Актуально. Мой телеграмм @veranika55. Обращайтесь.
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Tell me please, what currencies will you take during ico? and will there be any bonuses?
Soon it will be anounced all the information about ICO. You may subscribe for the news at the site of Optherium http://optherium.io/ to know more. |
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the platform integrates wallets that will allow very convenient use of all transactions through one purse and do not need a bunch of password applications and other things in one application from anywhere in the world you can solve any issue and make payment
In the complex, all products of this OPTHERIUM project will help to solve many financial problems of users. I especially like the fact that the OPTHERIUM wallet is multi-currency and will work with the TOP-100 coins. It would be great if with the help of this purse it was possible to minimize commissions in transactions. Are you talking about internal exchange? The team has already opened access to the test version of the wallet. Did you look into it? Is there an internal exchanger? After the end of ICO it will be possible to exchange the tokens. It will be internal exchanger and Optherium has a license for exchange operations. |
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A good safe wallet is a very usefull thing. To keep the cryptocurrency the wallet must be safe. A multucurrency wallet with exchange will be very comfortable for users.
I agree with you that it is convenient. But how much is it reasonable to keep all your money in one place? A lot of depends how safe is this place. |
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I meant not the internal exchange, but the transfers between the purses of one cryptocurrency.
I'm not sure that in this purse will be understated % of the commission. Most likely, % will be average, because this money is the direct earnings of the team. Will not the same team work at a loss? Nobody works at loss. The commision will be about 0.5% and it will depends from the volume. |
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I have a question, are your tokens programmed to work with other currencies that will be used on the project platform?
I don't understand the questoin but after the end of ICO it will be possible to exchange the tokens for other cryptocurencies and later it will be own cryptocurency exchange. Optherium has a licence for exchange operations. |
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That’s where Optherium’s VivusPay™ comes into play, so you can be your own bank.
VivusPay™ Mobile app - https://itunes.apple.com/ua/app/vivuspay/id1390247834?mt=8VivusPay™, which is licensed in the European Union as a wallet provider service, allows you to buy goods and services easily and safely by using instant person-to-person transactions, QR codes, and NFC. VivusPay™ includes a Key Recovery Service, which ensures users never lose access to their Wallets. The Key Recovery Service restores all digital assets with identity verification using Dynamic Biometrics™, including your face, fingerprint, voice and password for the advanced security of your digital assets. VivusPay™ allows crypto-to-fiat and fiat-to-crypto transactions and the withdrawal of money from any ATM in the world. VivusPay’s person-to-person instant transactions (P2P) with no intermediary and the lowest fees around mean you are your own bank! VivusPay™ boasts instant multisignature transactions and confirmations with more than 100,000 transactions per second.
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According to a study by Mintel, three quarters of consumers don’t see any need to change their payment preferences. Moreover, only 27 percent said they had interest in using a smartphone as a wallet. In short, there is no hurry amongst consumers to convert to mobile wallets.
Only 8 percent of consumers say they have used Apple Pay, the most popular mobile wallet, even once. Another 7 percent have used Android Pay, and just 6 percent have used Samsung Pay.
Only 17 percent of people in Mintel’s survey claimed they would switch to a different method of payment if it were clearer and easier. A similar amount of people claimed they would switch if the new payment method would make the checkout process faster and more convenient.
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 Mobile wallets strugglingJust a couple years ago, many people including the banking industry and businesses predicted that mobile wallets would quickly replace cash and plastic cards. However, mobile wallets haven't exactly taken off; consumers just don’t seem interested. The reality is that mobile wallets still have a long way to go. What problems do mobile wallets solve? From the consumer’s perspective, not much. Consumers usually don’t like change and see no need to switch to a different payment method unless there’s a clear and exciting benefit. For most consumers, using cards is convenient and straightforward. That’s why credit and debit cards are still the most popular method of payment, especially for online purchases. |
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This year has become a difficult year for the crypto-currency markets, which leads to the development of pessimistic sentiments, which do not allow us to develop.
You are right, now the whole market is red. But let's hope that this is a temporary phenomenon and will eventually pass, as in the past times. Such jumps are a common phenomenon for the crypto-currency market. It's just unpleasant when red waves are too often in a protracted period. On the other hand, this time is very good to start buying up interesting crypto currencies while the price is low. That's right. It's time for mine to make purchases. Look at the price of the etherium, it will be 3 times higher in a few months Do you think etherium has already reached the minimum point? I hope to belive in it. But the matter is that many ICO convert money to fiat and sell a lot of ethereum. That is why the price fall down. |
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