If I get USDT and want to send it, what are the current fees to send it to someone else?  I know there is no fee for me to receive USDT.  Most likely if I'm receiving ETH from a site, it will be in the ETH network?


Example I receive USDT from a website.  Now I want to send USDT to someone.  If the USDT is ETH, how much fees do I have to pay?  What if the USDT I am receiving is Tron or another type of network?  I heard there is the BNB network as well.


Does it make sense to send USDT in small amounts as the sending fee could be more than the USDT amount?  Imagine sending one dollar USDT to someone.

Where is the database leak for ledger or blockfi?  Could you check if your email has been compromised?

So the lock to the left of the website isn't safe enough?

Do you still have funds in VIRES right now?  And if so, which coin are you lending there?  Is it usdc?  Again 25% seems just ridiculously high.  Because I always heard once you go higher than say 12% interest, that is where you draw the line.


So if for example I want to do that with VIRES right now.  Let say to make it simple try it with 1,000 dollars worth of usd or waves or btc.  I would first convert it to usdc right?  Then I would go to Vires and lend the entire 1,000 usdc?  I always hard usdc is safer than usdt though I don't know why there is concern on usdt since it has been around for so long.  So when you view your balance daily, will that 1,000 usdb go up?  Or you earn usdc every week or how often is that amount deposited?



So basically if you put 1,000 usdc in VIRES now, you probably would expect to earn 250 usdc in a year if you just keep it there?  Again this sounds ridiculous because even blockfi/nexo gives at most 12% interest.  So you would be staking or is it lending usdc in VIRES?  The thing that is confusing is how much interest are borrowers even paying for you to get 25% interest?  They are paying much more than that which seem a bit ridiculous? 
So you mean if just one person puts like $10M into VIRES, everyone's APY will drop?  So have you noticed any big drop since you started?



Well I want to know the safest investment.  Like if you stake usdc/usdt or gusd on blockfi or nexo or gemini, you going to get that flat stablecoin rate percentage no matter what.  Of course it can drop and you get less percentage but you know what the number will be when it drops to a certain number.  So with the waves exchange, which would that be?  USDN seem to fluctuate always?  Well blockfi pays that interest because borrowers pay more interest.  The thing is I don't know how waves VIRES can give you this much interest.  I mean let say someone had a million dollars.  He converts it to usdc and puts it all into VIRES.  Assuming that interest drops from 25% to 22%... I'm using an example as you said the APY might decrease from someone supplying a lot of money into it... then that person will earn around 220,000 usdc or so in a year unless there is a ton of more money buying supplied?  Again, this number seems ridiculously high.  Because from what I read, if someone had a million dollars and put it into blockfi or nexo or and stake a stablecoin like usdc that give them 10%... well they going to earn 100,000 usdc a year which they could then convert to usd and then cash out to their bank account.  I am confused how this number is so high for waves for VIRES with usdc. 

How confident is using virustotal when checking websites?


So using a virtual machine would be the safest to test sites on?

6.  If the moment you catch malware/keylogger/RAT, if you no longer enter your sensitive information on this windows pc and go and clean reinstall it... as long as your files and software wallets are not opened from then on... are you safe?  Example you scan and detect infections with kaspersky or windows defender and then remove it and then eventually clean reinstall windows.  I assume as long as your important files are encrypted with a password, then even the keylogger/RAT cannot do anything to it?  Thus imagine not going to enter your electrum password because the moment you type it, then keylogger detects it?  I assume those malware cannot see what you typed in previously right?  Or can they still do it?



7.  If you use a VM or Linux or Mac, what are you protected against?  If you catch nasty malware, I assume you have to do a clean reinstall of your VM or Linux or Mac correct?



8.  I heard people say they get a separate computer for crypto.  Do most suggest this?  If so, linux?  What about chromebook?  Also when you talk about separate computer for crypto, you mean software wallets and crypto trading as well?  Is using the same pc to do all your crypto and everything with streaming from those tv/movie sites a recipe for disaster?  Imagine wanting to stream a football or soccer game.  Those have tons of ads that you have to close before you can view it.  Also I'm sure many of you watch porn for example and download it even.  If you ever download videos and files like that, your windows pc will most likely be compromised right?  I always heard those main porn streaming sites... those are safe.  Is that true?  It is only when you use not mainstream streaming sites, then it's dangerous?  So you use an android tablet to watch then?  If you were to use a pc... what would be the best option?  Chromebook?  Windows pc but make it a virtual machine?  But could you use the other part of the VM for your important things on the same laptop though since I heard a VM separates your computer into multiple parts?  Thus could you have one windows laptop and make it a VM but have one part for your main stuff... one part for crypto... then the other part for movie streaming and downloading pictures which might have malware?  But could one part infect the other?  I heard some malware is very nasty where you have to do a complete clean reinstall.  Is that true/false?

I use windows.  I previously just used free antivirus, the windows defender and malwarebytes free but now pay for kaspersky.



1.  Now if you click on a link but not sure if it is dangerous or not, you should be using the AV immediately to scan it right?  Now if windows defender shows something but you quarantine or delete it, is your machine safe?  Now if you use a paid antivirus like norton or kaspersky and it shows nothing... it is still not 100% safe... is that correct?  I read kaspersky catches over 99% of malware/keyloggers and it is never 100%?  So basically doing a clean reinstall of windows is the only way to make sure?  Does that also mean if you let a computer IT genius look at your pc and have them do every scan imaginable without them doing a clean reinstall, it is still not 100%?



2.  Can you catch virus/malware/keylogger just by clicking on a link?  Whether clicking on it or you typing it manually into the address bar?  I heard most sites should use https and any site that is http should be typically avoided correct?  But even if its a regular site, how do you know if it is safe?  I recall I had visited a few sites where I got message the site is unsafe.  Whenever you get that message, you should leave it right?  But a site that is only http can still be safe if you know the owner of that site and they confirm that http site is correct?  I heard you can only catch malware/keylogger on your pc if you download a file and open it.  The same as if you go to a website and download a file and open it.  Is that true or false?  For example if you visit a website, could it automatically download a file and you see it download on the bottom left corner of your windows pc?  I assume that does happen the moment you visit a site?  Now even if it downloads it, as long as you don't open it and remove it... you safe?  I heard mixed opinions on this.  Some people say just visiting a dangerous website can get you malware just by visiting it... others say you need an extension downloaded... others say you need it downloaded and opened.  So which is it?



3.  Does paid antivirus from kaspersky or norton do much more than free antivirus like windows defender and malwarebytes free?  Do paid AV display more messages on the screen compared to windows defender when they detect a site or file is dangerous?  I remember many times opening a file after downloading and defender would give some message like are you sure you want to open the exe file.  But if you know for sure it is safe, then no issue right?  But whether its paid or free AV, the moment you open an exe file or whatever file program, the antivirus cannot protect you right?  Such as say its malware/keylogger, then you are screwed?  Or even if you open it and then later scan it with the AV, it would detect it and remove it?  Thus imagine getting malware/keylogger and kaspersky detects it when during a scan.  If it removes it... is it removed completely?  What about windows defender?



4.  I heard about RAT - Remote Access Trojan.  Is this one of the worst malware to have?  I know keylogger is very bad because anything you type on your keyboard, it detects with your keystrokes.  But does keylogger also see your screen?  So if you use a virtual keyboard that protects you from keylogger like kaspersky keyboard, does that protect you?  It seem to say it does?  But if you get RAT, then you are basically compromised?  Since anything you type and your screen is going to be visible to the hacker?  



5.  Which type of virus/malware you have on your pc would basically compromise your software wallets on your windows pc?  Say you use electrum which is a hot software wallet.  When you open it, you will enter your electrum password to get your account.  I heard of the clipboard malware virus where you copy and paste an address and if you don't check, you would be sending your coins to another address.  But if you catch a virus, is your electrum pc compromised or not?  A keylogger and RAT for sure compromises your electrum wallet right?  Now let say you have a keylogger.  They can see what is your password for electrum since they detect your keystrokes.  You need this password to get into electrum and when you want to send coins.  Does that mean if you have a keylogger, someone could access your electrum anytime to log in and send the coins?  When they do this, can the user see their mouse start moving on their screen?  Does your pc need to be turned on?  What about RAT?  I thought RAT would mean they could access your pc anytime whether your pc is on or off and then just log into your electrum without you knowing?  So if you get malware/keylogger/RAT, does that mean if your hard drive is encrypted, it means absolutely nothing?

Do virtual machines protect you from malware and keyloggers?  What about linux?


The thing is if you click on a link that might be dangerous, does the VM protect it or not?  What about paid anti virus like kaspersky or norton etc if you use windows?

I don't know much about those other strange stablecoins that could give you a very high percentage.  I am mainly talking about the main ones like usdc/usdt/gusd.  I heard people stake a lot on usdc or usdt on blockfi/nexo etc.  I also heard of gemini where they have gusd.  So if you were to stake any of these coins in those top sites like blockfi or nexo or gemini, wouldn't that generally be safe?



Because say with on the low end, gemini you get 8%.  If someone has a million dollars, that is 80,000 dollars a year consistently if you just leave the money there an entire year.  Now say you want to withdraw money, I believe you can convert the gusd to usd anytime on gemini and withdraw.  So imagine someone wires a million dollars to gemini.  Convert it all to gusd.  Now say after a month, they want to withdraw all their money.  Well they would have earned 80000/12 months = 6667 gusd.  So their balance is about 1,006,667 gusd.  Now they convert it to usd.  They have 1,006,667 usd now.  They withdraw the money to their bank account.  So how is this not good?



Now if its nexo and you earn 10% on usdt/usdc.  You do the same situation above for a month.  You earn 8,000 usdt/usdc.  These coins are ETH I believe so you pay a little fee extra with it.  But you going to earn around 8,000 usd a month if you have a million dollars correct? 

Vires -  Last year USDC was pretty much consistently over 25%.


You are telling me if someone had 10,000 dollars and converted it to 10,000 usdc and did this, they would have gotten 2,500 usdc for the year?  So wouldn't that mean someone with a million dollars would earn a quarter million?  There is no limit to how much you can put?  But then you mention there is risk on this which has me confused.


Well USDN... wasn't the staking percentage over 10% a while back.  So now if it is under 6%, how would that make sense staking it if someone could stake a stablecoin like usdc/usdt or say gusd in nexo/blockfi for more than that?


When you say lock Wx tokens, you mean you have to buy them right?  Thus buy it to stake?  The issue here is if Wx drops a lot... then you would lose money right?  I saw they seem to advertise like 25% interest on Wx... is that correct?  So someone with 5000 Wx worth would earn 1,250 Wx a year?  But the risk here is if the price drops more than 25% after a year, you lose money?  Example you buy Wx for 1.25 and buy 5000 of it.  You invest it in that pool and keep it there a year.  So as long as the Wx price doesn't drop more than 25% from the price you bought a year ago,  you profit correct?  Assuming you plan to sell it after a year?  But if Wx stays the same, you literally earn 25% because you then just sell all the Wx?  If Wx goes higher, you earn 25% plus whatever the Wx prices go up to?


So in terms of all these investments, which is the safest?  Isn't it staking waves you have since you will get a consistent return on it which is more waves?  Of course this is same situation like when you buy waves and earn waves but if waves drops more than x percent that you buy it, then you lose?


What has me confused here is... does the waves exchange allow you to earn interest via stablecoins like with usdc/usdt/gusd like with nexo/blockfi/gemini where you get a flat rate and there is no concern of prices since its pegged to the dollar?  Obviously they can drop the rate a percent or two but that would stijll be earning passive income.  So does waves exchange offer this?  Example, you go and get 10,000 usd and convert it to usdc/usdt and just stake/lend it for passive income?  Because you seem to imply someone would have earned 25% last year if they did usdc... which seem really high etc.  If that is the case, why would anyone stake/lend usdc on nexo/blockfi then for around 10% when they could get more with waves exchange?

Can someone here explain ViresFinance on waves?  So when you stake waves, you get a small percentage of waves for staking.  However, if you stake USDT or USDC on ViresFinance, are you really getting that much interest that is advertise?


Example say you have 10,000 usd and convert it to btc or waves and want to stake to earn stablecoin.  If you stake/lend 10,000 usdt/usdc for an entire year... how much usdt/usdc will you get at the end of the year?  Because they seem to advertise higher rates than even nexo/celsius/blockfi?  I am confused with this because they use many different terms like Base vAPY and Reward tAPY.


Also usdn staking... that percentage seems to change literally almost every few days?  So if you want to stake stablecoin on waves network, you shouldn't do that?  There is also lambo investments and other things.  Anyone have experience with these? 

And I am especially talking about those memecoins like dogecoin, shiba inu and those other coins that pump and dump in those shiba doge and those make up coin names?  There is zero purpose of these coins.  They had that squid game token I believe.  What is the purpose of these coins?  It literally sounds like someone creating a video game and making up coins.  The worst part is you have people buying these coins to most likely try to make a profit and then sell since rarely are these coins meant for holding.



Not only that, these coins have no usage.  When there are coins called bluecoin and greencoin, what exactly is the purpose of these?  The only coins that make sense is btc and litecoin.  I don't even know why ETH is a coin since its not like currency.  Ripple for example does seem like a coin since it seems like a penny or nickle so to speak.  I know there are tons of those memecoins are pancakeswap and uniswap and many of these coins are top earners for the day before they later all go down.  Are there many that even stay up?



Anyone can make up coins but why is anyone even buying any of these?  If dogecoin has no real use... then none of those other coins have any use.  So why do these new coins keep showing up?

Seems you can get anywhere between 8-10% staking stablecoins.  I think some sites even offer as high as 12%.  Now even if you take the lower end of it at 8%... if someone had 250k, that would be 20k a year which is nothing to sneeze at.  But if you are in a western country like the US or Canada, that isn't enough to pay off your living expenses unless you rent a very cheap place.  That would be more than enough in other countries around the world.  If you have 500k, that would be 40k a year which is a bit less than the average income of someone in the US I believe.  You can clearly support yourself on that in many parts of a western country.  If you have a million dollars, that is 80k a year, which is more than above average income in a western country.  I am aware of inflation being an all time high.  But if inflation keeps going this high, then earning 8% isn't even doing much besides barely beating it?



I am aware inflation means prices go up but wages stay the same.  But if you had a lot of money and could stake stablecoins.. wouldn't that be the wise thing to do as it is passive income?  Seems like a much better idea for someone with that type of money to stake it as oppose to buy a house for rental or a business?  Yes the rates can and will drop.  



If someone has a million dollars in the bank, why not put everything into stablecoins and get 8% or 80k a year?  Let say they still have an extra 50k for their everything else expenses.  But of course they could always unstake or unlend the the stablecoin and now they have money and could withdraw to their bank account.  Because if someone had a million dollars, 80k a year is more than enough to live off in any western first world country.  I heard people say in western countries, you need million dollars isn't rich and you need at least 2 million dollars at least to be considered rich.  But my thought is if someone has a million dollars and put it into stablecoin, they going to earn 80k a year minimum and not concern about any fluctuations.  If someone spent a million dollars buying an altcoin and staking/lending it... well sure they will make money staking/lending but if the coin drops in price, they lose money.  Why do most people not do this?  Seems like if a person has lot of money, that is the way to go? 

Okay that example of below makes sense.  I recall that was what was mentioned of electrum back then below.


A new fresh address is not linked to your wallet. What makes the connection between your address is spending multiple inputs from different addresses together.

Let's suppose you receive 0.1 BTC from binance in address A , 0.2 btc from a friend in
addres B.

if you send 0.3 btc back to binance in the same transaction, there will be a proof in the blockchain that the addresses A and B belong to the same person as they were spwnt togethwr in the same wallet.



So assuming you have a nano ledger which has your main coins for storage such as btc... and say you have electrum on your pc which you used a while back which has ton of transactions, is there a way to remain private where a site that doesn't require KYC or someone send me a tiny bit of btc... let say just 0.0005.  Then I send that 0.0005 btc minus the sending fee to someone else's wallet?  


That means using even a new nano ledger with a new seed or create a new electrum wallet with a new seed won't cut it... is that correct?  


I don't have a clue about wasabi wallet.  But do people here even use it?  There is no point really of this then right since it would seem complicated?

Well I had electrum installed on my laptop pc a while back.  Then I removed it.  And then I installed it again and then put in the electrum seed phrase.  I do not have any coins in it but wanted to log in to see my entire history etc.


But you are saying I can create as many wallets as I want.  But each wallet would contain a new seed?  So for example if I create a new electrum wallet right now, would it log me out of my current electrum account?  The reason I ask is because I do not have my current electrum seed with me.  But would I still be able to log in with my current electrum password?  Would that password be the same for all electrum accounts I create from now or would it be a new password I create for each electrum wallet?

So are all people still updating their ledger live the moment they see a new ledger live update message on the top right corner?  I usually like to wait for a bit before I do it.  But is there any way a fake wallet message could pop up like how electrum did a while back?  And even if it does, it would still need you to manually copy and paste or type the website to download update if you cannot download the update straight from ledger live right?

I recently reinstalled electrum on my pc.  I then typed in my seed phrase.  After doing that, it took a while to synchronize before it showed my transaction history.  I do not have any btc in electrum at the moment or for a while already as I moved the coins to nano ledger a while back.  The next time I opened electrum, it seem to synchronize yet again but it was quick.  This is normal if you haven't accessed the wallet in a while?  I did download the updated electrum from the site.



My question is could I create a new electrum wallet while still have access to my old electrum wallet on pc without having to type in my seed phrase each time to go back to my old electrum wallet?  At the moment, I have to enter a password after opening electrum  in order to get into my old electrum seed account.  But here, do I need to create a new seed?  And if so, can I still access my old electrum wallet with the same password?  Or would my multiple electrum wallets be still be under that same old electrum seed?



But if you want privacy and do not want these two electrum wallets linked together, wouldn't you need to create a new electrum seed wallet for this?  Or it has to do with the Tor browser and this doesn't matter?

Example would be this.  Imagine a site or someone send you 20 dollars worth of btc to your spare nano ledger wallet and not your main one.  Or it could be a new electrum seed wallet which has no transaction history.  Then you send that full amount of 20 dollars worth of btc to someone else. 


Does that transaction still link to you or not?  The thing is if it's a wallet that has zero transactions, it wouldn't right?  But that is only if you TOR which I keep hearing about?  Again all I heard is Tor for privacy but do not have a clue about it.


But if you use your main nano ledger that generate receiving address or electrum that you used a while back, then it certainly does right?  The thing that is confusing is when you use a new receiving address each time, isn't that for privacy?  But it would still link to you other transactions that you done in your nano ledger history and electrum history?

I have a nano ledger where I store my coins.  I previously had used electrum to store my coins on the computer.



Now when I receive btc, I would use whatever is the receiving address that is shown on my nano ledger before I copy and paste it to the site that I am receiving btc from.  I don't believe I ever reused a receiving address more than once with the nano ledger s as I get a receiving address each time.  With electrum however, back then I use to repeat using the same receiving address many times not knowing it wasn't good for privacy.



Now let say I want to receive a tiny amount of btc but I want it to go to an anonymous wallet and not my main wallet which is the nano ledger s. The thing is if I get a new receiving address on my nano ledger and btc is sent to me... that address is still linked to my nano ledger correct?  Since the amount of btc is added to my total btc balance? What about electrum?  Now if you use another nano ledger or use the same nano ledger and create a new seed... or use electrum but create a new seed with no wallet history...that certainly would make a difference since it has no transaction history right?



Let say I receive 0.0005 btc to make it simple in the nano ledger or less than 20 dollars.



Then let say I sent 0.0005 btc minus the sending btc fee to someone thus less than 20 dollars cash.  I read there is a history in the blockchain of the transaction but does it ever link to the person?  Doesn't it link due to change addresses or is that only with electrum?  So if it is the same nano ledger seed you are using, then yes... if not... then no?  Because if someone receives btc from a site and trades it for 20 dollars with someone else... is that even anonymous or not?  Let say most important that site doesn't require KYC.  Now if you use another nano ledger or use the same nano ledger and create a new seed... or use electrum but create a new seed with no wallet history...that certainly would make a difference since it has no transaction history right?



The thing is isn't the issue with receiving and sending btc anonymously an issue still? I heard about vpn's but those are not even good enough right?  I always heard about TOR and mixers but don't have a clue about it.

I have a nano ledger where I store my coins.  I previously had used electrum to store my coins on the computer.



Now when I receive btc, I would use whatever is the receiving address that is shown on my nano ledger before I copy and paste it to the site that I am receiving btc from.  I don't believe I ever reused a receiving address more than once with the nano ledger s as I get a receiving address each time.  With electrum however, back then I use to repeat using the same receiving address many times not knowing it wasn't good for privacy.



Now let say I want to receive a tiny amount of btc but I want it to go to an anonymous wallet and not my main wallet which is the nano ledger s. The thing is if I get a new receiving address on my nano ledger and btc is sent to me... that address is still linked to my nano ledger correct?  Since the amount of btc is added to my total btc balance? What about electrum?  Now if you use another nano ledger or use the same nano ledger and create a new seed... or use electrum but create a new seed with no wallet history...that certainly would make a difference since it has no transaction history right?



Let say I receive 0.0005 btc to make it simple in the nano ledger or less than 20 dollars.



Then let say I sent 0.0005 btc minus the sending btc fee to someone thus less than 20 dollars cash.  I read there is a history in the blockchain of the transaction but does it ever link to the person?  Doesn't it link due to change addresses or is that only with electrum?  So if it is the same nano ledger seed you are using, then yes... if not... then no?  Because if someone receives btc from a site and trades it for 20 dollars with someone else... is that even anonymous or not?  Now if you use another nano ledger or use the same nano ledger and create a new seed... or use electrum but create a new seed with no wallet history...that certainly would make a difference since it has no transaction history right?



The thing is isn't the issue with receiving and sending btc anonymously an issue still? I heard about vpn's but those are not even good enough right?  I always heard about TOR and mixers but don't have a clue about it.