Cryptocurrency has opened up a new world in the financial sector that was primarily owned by banks, namely the borrowing and lending of capital.

While peer-to-peer borrowing and lending has developed in recent years in the fiat currency space, it is only recently that companies have been finding methods of replicating these ideas in the cryptocurrency space. What follows is a short evaluation of several available options.

SALT

SALT is a lending platform for blockchain-backed loans. No credit check is required: Users purchase  ERC20 SALT tokens to become a member and then put up bitcoin or other blockchain-backed assets as collateral. They can then borrow money from the platform's network of lenders. Once the loan is paid back, borrowers get their crypto back: There are no prepayment penalties.

SALT makes no guarantee that a sufficient pool of liquidity is available to fulfill every loan request right away, however, even for approved borrowers. If the pool of money provided by the lenders is all lent out, then prospective borrowers will have to wait for more lenders to enter the system or for funds to be paid back into it.

The cost of one SALT token is set at $25. Tokens are currently sold within the SALT system; however, the token is also available on several exchanges where it is currently trading at about $4. SALT is used to pay for your membership in the SALT system; it is a tiered annual fee that varies based on the size of the loan. At the bottom is 1 SALT that covers up to $10,000 and at the top it is 100 SALT to borrow over $1,000,000 with various tiers in between.

Interest rates on the loans themselves will vary between 10 percent and 15 percent, depending on the terms of the individual loans. When borrowers apply for a loan, the available options are then presented and they can choose among them.

All of the member lenders at SALT are Accredited Investors under Regulation D of 17 CFR § 230.501 et seq., who have passed the SALT Lending Suitability Test. The loans are not transferable via blockchain; they are themselves securities that are transferable through existing financial channels.

Unchained Capital

Unchained Capital is very similar to SALT in that it provides loans against your bitcoin capital. Their details are easier to find on their website than SALT, namely the following:

Interest rate is 10 –14 percent APR inclusive of all interest and fees

Terms are 3 – 24 months with options to renew

Loan to value ratio is 50 percent. Borrow $1 for each $2 you deposit as capital

Borrow up to $1 million without a credit check

Make monthly payments on the interest. Due in full on the final payment

CEO Joe Kelly told Bitcoin Magazine that Unchained Capital is working with accredited investors and small institutions. They are specifically reaching out to partners to work with them and do not have any public call for investors. Interested investors, however, can contact them and see about working with them. Their current lending fund is over $10 million at the time of this writing.

EthLend

EthLend has more of a full free-market approach as a facilitating platform. Borrowers and lenders can use their system to connect and negotiate everything from interest rate to duration. The platform is entirely based on Ethereum, any other ERC20 tokens are admissible as collateral on the loan. If borrowers fail to abide the terms of the smart contract, then all collateral is forfeit.

This setup is similar to what is currently available with many peer-to-peer fiat lending options. The price of the LEND token is not clear because of various discounts and the highly fluctuating price of ether right now, but the purpose of the token is to provide discounts on the fees charged to use their system.

Othera

Othera says they use blockchain technology to facilitate digital loan contracts, manage their risk and tokenize the repayment cashflow. There has been news going around about the company since the middle of 2016, but their website offers no demonstrations and very few details. A recent partnership announced with London-based commercial real estate lending company Lendhaus indicates big things are in the works, but the Lendhaus website itself is very slim on details and their Twitter profile was only recently created and has no tweets. It isn’t clear if the platform is currently available. Bitcoin Magazine reached out to Othera reps for more information but has not yet received a response.

Everex

Everex has been in the press for over a year and touts a number of products and services, such as the ability to transfer, borrow and trade in any fiat currency around the world. One aspect is their EVX token which provides a multitude of utility functions in their microfinance and payment program. EVX token ownership is required to access the system and can also be earned as an incentive or reward based on terms the lenders can specify. Those same EVX tokens can then be used as collateral for secured lending. To use their platform you need to either install their mobile wallet or use their Everex web service.

There is a lot of activity in other parts of the financial market with regard to cryptocurrency as well, such as tokenizing real world assets as investment vehicles. What this tells us is that there is a lot of interest and activity in this space that is certainly going to change the face of banking.

There are  50 millions of millionaires in the world right now. There are only 16 millions BTC. I hope we will see people more people with millions in BTC and none in fiat. The world will change. We do not need that State and Central Banks still hold the power to make people rich.

I am wondering how long BTC will hold 50%+ of the market cap. If BTC continued in 2018 with more than that, it will be possible that everything will start to move to BTC layers and other blockchains will just disappear. I believe that in 2018 we could see BTC bellow 40% but worthing at least 30k.

He changed his email

https://bitcointalk.org/index.php?action=trust;u=449793

Digibyte is only 20% of the ATH price. He was negotiated for 0.064351USD. 0.012USD seem like a great price to buy, especially because it is only 0.00000115 BTC. A lot of people already know this coin and the project is solid. I believe we will see a big pump really soon. Probably will pass 300M market cap in less than 2 days after the pump start.

EXCHANGES:
EtherDelta
Mercatox
Idex




Token

Name: StakeIt
Symbol: STAKE
Decimals: 8
Type: ERC20 Token
Blockchain: Ethereum
Total Supply: 100,000,000 STAKE

Token Distribution
Total Supply: 100,000,000 STAKE
Token Sale: - 20,000,000 STAKE (unsold tokens destroyed)
Bounty: - 5,000,000 STAKE
Stake Reserve: - 75,000,000 STAKE

Token Sale



Date: 22/11/2017 - 5/12/2017 (14 dias)
Hard Cap: 20,000,000 STAKE (20 milhões)
Tokens não vendidos: Serão destruidos
1 STAKE = $0.05
Compra minima: 100 StakeIt Tokens ($5)
Coin aceita: ETH



Como funciona Stake

Nosso painel (site) permitirá que os usuários depositem seus tokens fora da cadeia (com segurança)
1. Registre no painel e deposite seus tokens em endereços ETH específicos
2. Tokens começarão com saldos atualizados diariamente (no nosso painel de controle)
3. Retire seus tokens de volta ao seu endereço ETH (na cadeia) a qualquer momento que desejar
(Nota: o tempo de processamento de 24 horas é aplicável para todas as retiradas, pois serão verificadas manualmente por razões de segurança)

Cada vez que você decidir depositar e manter acumulando seus tokens, você será obrigado a pagar uma pequena taxa (ETH).

Todas as receitas obtidas com isso serão usadas para comprar os tokens no mercado e serão destruídas permanentemente.


Planos de acumulação

Este não é um plano de acumulação anual / mensal / diário.
Assim que os montantes especificados das Reservas de tokens(75 milhões) foram distribuídos, as taxas de apostas do próximo nível se aplicam.

Nível 1: primeiros 15 milhões de reservas de Stake
0,035% diariamente (aproximadamente 12,775% ao ano)
Quantidade mínima necessária para apostar: 1.000 STAKE
Taxa: US $ 2 equivalente em ETH

Nível 2: Segundo 15 milhões de reservas de estacas
0,05% diariamente (Aproximadamente 18,25% ao ano)
Quantidade mínima necessária para apostar: 2.000 STAKE
Taxa: US $ 5 equivalente em ETH

Nível 3: Terceiro 15 milhões de reservas de Stakes (BEST STAKE RATE)
0,075% ao dia (aproximadamente 27,375% ao ano)
Quantidade mínima necessária para apostar: 4.000 STAKE
Taxa: US $ 10 equivalente em ETH

Nível 4: quarto 15 milhões de reservas de Stakes
0,05% diariamente (Aproximadamente 18,25% ao ano)
Quantidade mínima necessária para apostar: 8,000 STAKE
Taxa: US $ 15 equivalente em ETH

Nível 5: 15 milhões finais de Reservas de Stake
0,035% diariamente (aproximadamente 12,775% ao ano)
Quantidade mínima necessária para apostar: 10.000 STAKE
Taxa: US $ 20 equivalente em ETH

Todas as receitas obtidas com isso serão usadas para comprar os tokens no mercado e serão destruídas permanentemente.

Mais Tokens Destruídos - Mais Receitas

Além das receitas obtidas como taxas de participação, haverá uma plataforma AD de 1 página que contribuirá para os planos de recompra e destruição de token.
1. Esta plataforma AD conterá 100 slots AD diferentes.
2. Os anunciantes precisarão pagar nos toques StakeIt para colocar seus anúncios na página.
3. StakeIt Bounty Programs & Giveaway Campaigns também serão hospedados nesta página para garantir um fluxo constante de tráfego.

Todos os tokens StakeIt recebidos como receitas serão destruídos para equilibrar a demanda de oferta X.


Equipe

Até agora, você deveria ter percebido que estamos, de fato, não mantendo nenhum dos tokens para nós mesmos.
Os únicos fundos que teremos como taxas de desenvolvimento serão os fundos coletados através da nossa venda de token.
Embora este token não seja tratado como uma segurança, a natureza dele tem os potenciais para serem tratados como um.
Para evitar questões legais e fiscais, não revelaremos o time.
Nós sabemos que vamos ter muitas pedras jogadas para nós, mas isso não nos impedirá de desenvolver esse ótimo token.
Acreditamos que com o tempo, poderemos provar nossa legitimidade.


Token Endereço

Token venda
https://ethplorer.io/address/0x943133a0ee5e98cb388a5bc892aa18f9196b7d4c

Recompenças (5 milhões)
https://ethplorer.io/address/0x9c6706f21190781052e2054e58bbafaa9a5acf8e

Tier 1 (15 milhões)
https://ethplorer.io/address/0xf10b80a246759f5783e3a8270ebbdc8e46261158

Tier 2 (15 milhões)
https://ethplorer.io/address/0xc089763836277c08acffaaff40a44cca8281cc23

Tier 3 (15 milhões)
https://ethplorer.io/address/0xa57cb410474018d216d3d6d6796395c2c4dd0be3

Tier 4 (15 milhões)
https://ethplorer.io/address/0x10513442deeeb5ad9ef3f5e8fcfb6fc22dc20d14

Tier 5 (15 milhões)
https://ethplorer.io/address/0xd4d0a2e8206f9bf629d15364445fa55f36289dfc

FAQs
Como funciona?
Você precisará estar registrado em nosso site. Depois de criar uma conta, compre o produto 'Staking Service' disponível em nosso site. Observe que você está pagando a "taxa de apostas" quando você compra este produto.

Ao efetuar o check-out da loja, você será obrigado a enviar seu STAKE para um endereço específico. Uma vez feito, você terá que preencher o valor que você enviou e o TXID à medida que você faz o checkout da loja.

Verificamos manualmente todos os depósitos e devem ser manuseados dentro de 24 horas. Uma vez que verifiquemos, você será creditado com um saldo 'STAKE' sob sua conta em nosso site. Este montante é automaticamente apostado diariamente e você pode decidir retirar sempre que desejar.

O meu token estacionado também é apostado?
Sim. Tudo o que você ganhou (estacionado) automaticamente é incluído na próxima rodada de distribuição. Isso significa que a quantidade que você atira aumenta significativamente ao longo do tempo.

Como posso retirar?
Você pode fazê-lo enviando o "formulário de retirada". Cobramos uma taxa de serviço de US $ 1 por cada pedido de retirada que você fizer.

Por que o estágio% diminui após o Nível 3?
Acreditamos que, pelo nível 4, o suprimento total do token teria diminuído significativamente. O empate% diminui para prolongar o processo de empate geral, bem como para garantir que possamos saldos suficientes, já que o processo de empate termina oficialmente.

Por que você cobra taxas por depositar e retirar?
Cobramos taxas para garantir que os usuários não enviem spam e abusem do sistema de depósito e retirada. Além disso, as taxas fazem parte da nossa compra de token e destroem os planos. Todas as receitas geradas são usadas para comprar o token nas trocas e são destruídas permanentemente. Isso garante que há uma demanda constante no mercado, bem como a oferta total diminui constantemente.


***************************************************************************** *

ATUALIZAÇÕES

16.11.17 - Whitepaper & Website lançado!
17.11.17 - Trabalhando com Trocas (Mercatox é nossa opção # 1 assim que termina a venda de token.
18.11.17 - Característica de implantação no site testado. Participações automáticas e saldos de pagamento bem-sucedidos (0,035% diariamente às 1:00 da manhã UTC).
22.11.17 - A ICO começa
25.11.17 - STAKE agora negociado no Idex
29.11.17 - StakeIt agora é oficialmente reconhecido como um token em Etherscan
30.11.17 - Publicação do primeiro blog a ser publicada e negociação bem-sucedida com Mercatox

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Parece se tratar de um SCAM

You should give more info about what do you need because sometimes people could help without the need to be paid. Do you have your ICO in an exchange that does not allow US customer? Or do you need send documentation from a different country?

It is just a technical help that you need? Offering money like this could be seen as scam.

How is Monero different from Dash? Like, Monero could be cheaper, faster and with more scale than DASH? Because I think in the last month people start to chose Dash over monero and I do not know which one is better now. I do not want hold so many coins and I need to start choosing the coin that I most believe and that could be useful as a currency.

XRP/USD
I had anticipated a rally to $0.3 on Ripple; however, it could not cross the $0.28 mark. From there, it plunged back to the critical support of $0.22.

XRP/USD

I expect the $0.24 levels to hold, at least in the short-term. The rebound is likely to face a stiff resistance at $0.25 levels, which is the 50 percent Fibonacci retracement of the fall from $0.281 to $0.2195. Just a few days back also, $0.25 had acted as a strong resistance.

Once above this level, a rally to $0.28 and thereafter to $0.4 is likely.

Some people are confusing about what is the real challenge here. He need to beat Bitcoin, not fiat. This is really difficult because eventually, Bitcoin is the best until now for the long term. So he needs to know more when he needs to sell than know about when he needs to buy.

Interest choices. I do not kind understand the pastbin. but it looks like you try to find great opportunities using graphic analysis? You should explain more what you are doing. People are comment unrelated things. But I would be interested in reading more information on how you do this research.

Because every time you seel, the next day you will probably regret. It is hard. It is like an addiction. We all need more, every day. And we need to check the price every minute. I think people are crazy about this.

Op needs to be back. It would great see an updated version. Especially for 2018 because we already hit 100 bi and passed.

Yep. I think it will be great if he confirms that still own that address. Because this prediction was great and he deserves some tips.

I think we need compare more about market size then price. Because Bitcoin worthing 50k will be huge. How many institutions and people will have to start buying? How much will cost to mine? Because more people will want to do that.

The prominent tech figure Michael Arrington announced a new hedge fund on Tuesday that will be denominated in the crypto-currency XRP, a rival to bitcoin that is closely tied to the software company Ripple.

The news, which Arrington announced at an investor conference in New York, is significant because investors will buy shares of the fund and receive distributions in XRP. While dozens of hedge funds have sprung up this year to invest in the white-hot digital currency market, this one, known as Arrington XRP Capital, is the first to be denominated in a crypto-currency rather than dollars or euros.

Arrington told Fortune that the fund would invest primarily in digital assets, including exotic ones, and in so-called “initial coin offerings,” which involve the sale of digital tokens that can in some cases provide access to an online service such as file sharing. He said the fund will invest to a lesser extent in the equity of crypto-related startups.

Arrington, who made his name in Silicon as the founder of the blog TechCrunch and as a venture capitalist, described the fund as a high-risk project, but says he is so excited about crypto-currency he plans to devote the rest of his career to it.

“Some people think this is crazy and that we’re on the edge of a bubble-bursting meltdown in cryptocurrencies values. After all, a year ago the total market value of all cryptocurrencies was just shy of $14 billion. Today it’s over $300 billion,” said Arrington in a blog post. “‘This is the time for everyone to get the hell out of cryptocurrencies!,’ many people argue, ‘Not jump in with both feet.’ Others, however, argue that we’re just getting started in crypto. I’m one of those people.”

The fund has so far raised 50% of its investment target. Arrington, who says over 10% of his own net worth is now in crypto-currency, did not name specific investors but suggested that many of them are those who have already made a lot of money of the incredible boom in bitcoin and other digital currencies, and want to branch out.

The launch of the fund comes at a time when digital currencies are becoming mainstream among investors and the financial industry. Nonetheless, Arrington acknowledges the crypto market still lacks the full range of financial instruments—specifically derivatives and banks willing to provide loans—that hedge funds typically rely upon as part of their money-making strategies. He believes, though, this is changing quickly.

Arrington says he chose to denominate the fund in XRP, which is the third or fourth most valuable crypto-currency, in part because he likes the financial infrastructure that Ripple has build up around it (you can read all about Ripple and XRP here). He added that it also makes sense for a fund dedicated to crypto investments to be denominated in a digital currency because it provides a much faster way to conduct transactions than conventional money.

Ripple, which provides blockchain software to major banks and companies like Amex, is not an investor in the fund or a partner. But the company will benefit from the fund’s decision to use XRP, in part because it controls large reserves of the currency (which may get a price boost from Arrington’s announcement) and because the move may burnish Ripple’s reputation as a money transfer platform.

Arrington is one of three partners in the new fund. The others are Heather Harde, who was the CEO of TechCrunch and a former M&A executive and investment banker, and technology executive Geoffrey Arone.

+2 that you make another topic. This time you could start with 1k only =)

And I need thank you for talking about ADA. Didn't know about before reading on your topic. Amazing project and to be honest, I am not so happy with this pump. I was trying buy more!!

Bitcoin’s Trading Star Is Chicago High-Speed Firm That Nods to the Grateful Dead
ALEXANDER OSIPOVICH NOVEMBER 27, 2017
One of Chicago’s largest high-speed traders has taken a central role in the bitcoin market, stepping into the vacuum created by Wall Street’s hesitant response to the booming investor interest in digital currencies.

DRW Holdings LLC uses quantitative models to buy and sell bitcoin, for its own account and for use as a market maker—firms that grease the wheels of finance by buying, selling and quoting prices. Cumberland, DRW’s digital-currency unit, says it has traded more than $20 billion worth of bitcoin, ethereum and other cryptocurrencies in the past year. That makes it one of the top market makers in the sector, traders said.

Bitcoin, invented less than a decade ago, is up more than 900% this year and recently surpassed $9,000 for the first time. It was trading at $9,338.20 late Sunday. The value of all the bitcoins in existence is about $157 billion, more than the market capitalization of Caterpillar Inc.

Despite those gains, the market for bitcoin is plagued by extreme volatility and an uncertain regulatory status, factors that have limited the interest of many Wall Street firms. DRW started its bitcoin desk more than three years ago, but banking giants such as Goldman Sachs Group Inc. and J.P. Morgan Chase & Co. are just now considering how they will handle bitcoin trading.

https://www.wsj.com/articles/bitcoins-trading-star-is-chicago-high-speed-firm-that-nods-to-the-grateful-dead-1511787600

Do you see this big PUMP? =)
Go to the graphics and see how beautiful it is.

https://bitscreener.com/coins/golem-network-tokens?timeframe=1w&chart_type=candle&chart_unit=usd

Pirate40 ponzi scheme would be worth today 5 billions of dollars.