Interesting. It's good to know that Banks have started to make use of Blockchain technology since they're the ones in charge of the world's finance. Sooner or later, the worldwide economy will adapt towards Blockchain technology allowing us to obtain its benefits in every way. A digital USD or EUR is not far from becoming a reality, since Banks alongside governments have been studying this emerging technology more thoroughly.

While Banks will still be largely dominant in the world of finance, I believe that crypto will never disappear given that it's widely supported and adopted by individuals around the world. Living only on crypto nowadays seems to be a dream, especially when it's unstable in price and not widely accepted by merchants worldwide. But as long as there's the ability to exchange crypto to Fiat, then there should be nothing to worry about.

Now that the Union Bank of Philippines has started embracing cryptocurrency ATMs, I believe that it should only be a matter of time before other banks do the same. With more Banks becoming partners of Ripple and Stellar (via IBM's World Wire Payments Network), it's becoming more evident that Banks will be here to stay for a long time.

Nonetheless, time will tell us what lies ahead for the future of crypto as it's largely dependent on mainstream adoption. Just my thoughts

Thanks for sharing this, mate. I've thought that the only LPoS-based cryptocurrency was Waves, but now I know that a new one has adopted the consensus algorithm. Personally, I believe that LPoS is similar to DPoS as you "delegate" your coins to other entities on the blockchain. This works exactly in the same way as the Steem blockchain, where you "delegate" or "lend" your coins to a bot, in order to obtain bigger rewards over the long term.

As for DPoS-based coins, there's a new one named "IoTeX" which has improved the model of DPoS by releasing a new algorithm named "RDPoS". This consensus algorithm is far more decentralized than DPoS as it randomly selects delegates from a pool or group of delegates within a certain period of time. The IoTeX cryptocurrency is largely undervalued these days, compared to other prominent DPoS cryptocurrencies out there on the market.

Still though, if you're looking for good and reliable PoS cryptocurrencies that are among the best ones to invest right now, then look no further as Bean Cash, Blackcoin, and Peercoin are within this list. Every day, new PoS coins are released within different rewards and stake rates. You just need to periodically do your own research, in order to determine which one's best for your investment. Just my thoughts

That's certainly true, mate. Old generations would find it difficult to adopt Bitcoin for daily use. They're not widely familiar with technological stuff, unlike millennials. Since old generations are used to paper money, they tend to trust it more than anything else. In terms of ease of use, traditional payment processors are still much easier to use than Bitcoin. But, this will change over time as developers continue to improve the user experience of Bitcoin wallets.

Within a few years from now, it'll be easier to send/receive Bitcoin without any technical knowledge involved. Given that nowadays there is some technical knowledge required to perform multisig transactions, and more, Bitcoin is still "Nerd Money" to most people in the mainstream world.

Nonetheless, the perception of Bitcoin as "Nerd Money" greatly depends on the person itself. Some people will find it easy to use, while others will have a hard time understanding it. Education is key here, in order to help drive Bitcoin towards mainstream adoption. Just my opinion

Well, most people are afraid of change as it brings many risks. Traditional paper money has been in use for a substantial number of years unlike crypto. People tend to trust Fiat because it's widely backed by the government and central banks. Changing from one form of money to another takes time as it's not an easy task. First, there needs to be confidence within crypto for people to adopt it at a large scale. And second, crypto needs to be stable enough to be used as real money like Fiat. The fact is that, it's still the wild west within Bitcoin and most cryptocurrencies. Not to mention, prices are highly unstable making crypto terrible as a currency.

Still though, issues are being discovered and solved over time. Also, governments are becoming more friendly towards Bitcoin and other well-known cryptocurrencies. This means that in the future, crypto would become stable and regulated enough for the whole world to use. In effect, Fiat money would become obsolete and unreliable enough (due to inflation) that people will resort to Bitcoin as their main form of payment. Of course, there's nothing stopping Fiat from becoming "digital" in the future with the adoption of Blockchain technology.

But, Bitcoin will prove to be a better choice because of its censorship-resistance and decentralized nature. All in all, both Bitcoin and traditional payment processors could very well survive alongside each other for many years to come. It would be surprising if PayPal, Western Union, and other popular payment processors start adopting Blockchain technology at a large scale. Just my thoughts

Indeed. The development of Ethereum is not fast enough, which is why other alternatives have taken the lead by adopting newer technologies and features that increase transaction capacity, among others. The implementation of Casper PoS within the Ethereum blockchain had been announced for quite some time now, yet it's not ready for mainstream use. Because this, many people's interest into Ethereum has declined considerably within the past months. This has resulted in a "halt" of further price upsurges across the market.

Which means that the main trigger of Ethereum price rise will be the implementation of PoS. Not to mention, Bitcoin's price would need to rise exponentially across the market too for us to see a positive trend in Ethereum's price too. Despite this, Ethereum will increase in price at times in a slow fashion. Increments will be minimal until the mentioned upgrade becomes a reality within the ETH blockchain.

Nonetheless, Ethereum is still cheap nowadays as it's way below the $1,000 mark. But, there's no doubt that it will rise again like Bitcoin. Just my opinion

Agree. Which is why, you should look for altcoins that are prominent in development and innovation. Additionally, cryptocurrencies that are widely adopted by the mainstream world tend to become successful over time. Personally, I would not recommend the top 2 pages on CMC because there are some altcoins which are not worth the investment nowadays. Instead, investing within the top 10 cryptocurrencies on CMC would give an edge as they're extremely active in the mainstream world.

Altcoins such as Ethereum, NEM, NEO, Dash, Litecoin, and Monero are extremely useful for the world. They're not purely speculative like Dogecoin which had been abandoned by its devs for a long time ago. Instead, some of these coins provide smart contracts, others provide privacy features, while others provide instant and cheap transactions. All of these features prove to be useful for the world, giving said cryptocurrencies an advantage over others.

Still, the driving factor of an altcoin's success is if the same is adopted by the mainstream world. If it lacks adoption, then it won't be going anywhere.

Nonetheless, some altcoins are useless while others are not. You just need to find which ones are suitable for your daily needs. Just my thoughts

Binance Coin is a good investment nowadays given that it's always in a positive trend in price. On the other hand, both NEO and NEM have high probability of increasing in price soon as they have many indispensable features for the mainstream world. Not to mention, their development and innovation is solid, giving them an edge against other cryptocurrencies on the market. If you compare NEO's all-time-high during 2017, you'll notice that nowadays it's extremely dirt cheap. Being worth nearly $150 per coin, to just $10 - $15 is quite a bargain for a cryptocurrency which makes use of smart contracts.

As such, you could easily multiply your investment within the future if you start buying NEO coins now. With the added rewards of "GAS" by simply hodling NEO in your wallet, it's a win-win situation for all of us. Still though, never invest what you can't afford to lose since crypto has been proven to be extremely volatile at times.

Nonetheless, it's recommended to buy exchange-based coins (like BNB and KCS) and prominent cryptocurrencies (like ETH, NEO, and NEM) in any bear market to obtain positive results in the future. Just my opinion

Without a doubt, Binance Coin could reach $100 and more if the market continues on a bullish trend. It seems that Binance exchange is pumping this cryptocurrency, resulting in a massive increase in price. Of course, the cryptocurrency itself has high demand and usability as it can be used for many things within Binance exchange. Compared to other cryptocurrencies on the market, BNB has real utility which is not based purely on speculation.

The only risk here though, is that if Binance fails, then Binance Coin will fail altogether. We've seen how hacks have affected centralized exchanges one way or the other. If a hacker successfully steals all of the coins within this exchange, then it will go bankrupt, resulting in the downtrend of BNB's price. Still, if Binance takes security into consideration, then it may last for a very long time.

With the release of the new Binance DEX (decentralized exchange), it's hoped that Binance would become highly secure against attacks and censorship-resistant. The Binance Coin will be the native token of Binance Chain (propietary Blockchain of Binance), which will experience greater demand over the long term.

Nonetheless, Binance Coin along with KuCoin Shares are good exchange-based coins that will continue to rise in price across the crypto market over time. Just my thoughts

Both platforms could exist alongside each other for a long time. Still, only one will prove to be the winner within the mainstream world. So far, Ethereum fits the bill nicely since it's widely supported by developers, individuals, and businesses alike. Not to mention, it has a working product for the development and execution of smart contracts unlike Cardano. The ADA cryptocurrency still has a long way to go, given that its development has been slow since launch.

Other alternatives like EOS and NEO have taken the lead by providing better features, and adopting the DPoS consensus algorithm for greater efficiency. If Cardano wants to compete with Ethereum or any of the mentioned alternatives, it would need to accelerate its development and bring new features to the public. Otherwise, Ethereum will remain as the "King of Smart Contracts" for a very long time.

Despite this, it seems that Cardano will survive in the mainstream world as developers are sustaining it. In the bright side, Cardano's slowness in development, helps it to adopt new features and protocol enhancements safely without disrupting the whole Blockchain.

Nonetheless, it's impossible that Cardano will destroy Ethereum anytime soon. Just my opinion

I guess that's the only way to have an estimate of how much Bitcoins are lost or stolen. Given that the Blockchain doesn't contain IDs of people using Bitcoin, it may be nearly impossible to exactly identify if a certain number of coins had been stolen or lost. With some analysis though, we could verify public addresses on the Bitcoin blockchain to try discovering "dormant" coins.

Speaking of this, Satoshi's stash of Bitcoin within the Blockchain may be lost as the coins had been "dormant" for quite some time. Still though, this could be a cold storage wallet as coins stored there remain inactive until the owner spends them with the corresponding private key. Knowing that Bitcoin's blockchain is fully transparent, should allows us to devise new analytical methods in order to help discover people's lost or stolen coins. As time goes by, this will greatly improve for sure.

As far as I know, there are several Blockchain analytical tools available for government use today. Perhaps, such tools have the ability to trace Bitcoin far beyond our reach that we've never thought possible. While this is somewhat good to help fight crime (money launding, etc), it's also bad in the sense that it invades people's privacy.

Nonetheless, as Bitcoins are lost or stolen, the available circulating supply seems to be getting scarcer each day. Just my thoughts

Exactly. While prices have increased recently, they've declined considerably within yesterday. Still, this should be no reason to panic as Bitcoin has all the probability of rising further in price because of the demand it will experience in the future. Not to mention, the halving event will greatly contribute towards higher prices on the market. Instead of panicking ourselves, we should be calmed knowing that Bitcoin is and will always be the "King of Cryptocurrencies" on the market.

In case something goes wrong, we could always resort to stablecoins which are good at retaining the value of 1 USD. A portion of your investment should be allocated to such coins, while the rest should be put into Bitcoin. This is to minimize risks and losses once a bear market takes place within crypto land. You would simply invest, and forget as you'll be able to obtain bigger rewards over time.

Nonetheless, I believe that we're still in a bear market since most cryptocurrencies haven't increased exponentially in price unlike in the year of 2017. A few months or years may be needed before the next upsurge in price occurs within the crypto market anytime soon. Just my opinion

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Both Stellar and Cardano are good coins to buy right now, especially when we're still experiencing the effects of 2018's bear market. Prices are still below their ATHs back in 2017, which means that we might be in an accumulation phase right now. Considering that Cardano and Stellar are within the top 15 cryptocurrencies in market cap (as well as they're active in development and innovation), they could be well-worth the investment for the long term. My top pick here would be Cardano though, as it's a cryptocurrency with all the probability of rivaling Ethereum in the future.

If you're off to do a shopping spree of altcoins, then I'd recommend that you look further into said coins. Still though, they're not the only ones you should consider as some other altcoins are also active in development, and most of all, extremely popular in the mainstream world. Such is the case with Ethereum and Monero, being two prominent cryptocurrencies that are at a discounted rate nowadays.

Nonetheless, this is still the right time to buy alts because the whole crypto market hasn't experienced a constant upsurge in price yet. Once the events of 2017 repeat themselves, then you should be ready to sell some coins to preserve profit. Just my opinion

That's the real issue. We still need to depend on Fiat money one way or the other. There's no way around it. This is largely because, Banks have dominated our economy for a long time. On the other hand, cryptocurrencies are fairly new to the world with only 10 years of inception. The road for mainstream adoption is still long, since crypto is not fully regulatory-compliant and stable in price yet. For this reason, Fiat money is still the top form of payment among merchants and businesses alike.

Still though, it would be better if we had more choices to spend crypto than simply Fiat money. I believe that if the world would only use crypto instead of Fiat, then our economy would've been fully decentralized. However, this is very unlikely since Banks are heavily backed by governments and they're trusted by many people worldwide. Living only on crypto seems to be a dream nowadays.

Nonetheless, there's a possibility that Banks will adapt to Blockchain technology someday making paper money extremely outdated. Just my thoughts

Completely agree with you, mate. The Neon Wallet is one of the best crypto wallets out there. What seems to be most attractive of it, is the user interface, in my opinion. The ability to stake coins without opening your wallet every time, seems to be convenient at most.

Speaking of this, I've found out another cryptocurrency which lets you stake without running your wallet 24/7. It's named "Stakenet" with a consensus algorithm called TPoS allowing you to earn from stakes by "lending" your coins to another node on the network. This approach is safe, since your private keys are never exposed. You would be earning coins over time, without having to maintain or administer your wallet (like it's the case with NEO). Also, the cryptocurrency's team have been running a cloud staking service which currently supports Stakenet (XSN), as well as, PIVX and Stratis. Check it out here: https://cloud.stakenet.io



That's a little odd since NEO has been making strides over the past few years. I wonder why interest has dropped so suddenly. Perhaps, the reason for this is because people has focused on newer cryptocurrencies like Cardano and EOS than NEO itself. Not to mention, new features and development for NEO has been quiet for some time now. Of course, the 3.0 version of the platform has been announced, but no further progress is mentioned. All in all, it could be a hidden gem that's about to blossom someday in the future.



I know right? Personally, I see PoS coins as a more accessible way to get into crypto. Anyone can easily join a PoS cryptocurrency without the need to buy expensive equipment or keep track of electricity costs. You'd just "hodl" the coin with the wallet open, to sit back and relax as your profit grows over time. Still though, in terms of security, PoW seems to be the winner. Despite this, the hybrid approach of PoW + PoS within some cryptocurrencies (like Peercoin and Emercoin) seems to increase security by a long shot.

Things aside, I'm keeping an eye on a CPU-friendly cryptocurrency named "Magi" which has a hybrid approach of PoW + PoS. There's a single developer working on it, though the community is highly supportive. This cryptocurrency is among the easiest coins to mine with a CPU than others I've experienced. And being a PoS coin too, is a plus since you'll be earning double rewards (if you mine and stake it).

That's certainly true, mate. There's no altcoin in the market that can actually compete with Bitcoin. The only altcoin which seems to be close to Bitcoin in terms of development, popularity, and market cap ranking is Ethereum. The rest are outmatched by Bitcoin because they lack dedicated development, and most of all, mainstream adoption. Still though, some altcoins are great investments due to their highly supportive communities. As long as an specific cryptocurrency is being developed and supported by its community, then it'll be alive and running for quite a long time.

I believe that altcoins are useful when they provide features which are essential for everyday life. A good example of this is both Monero and Ethereum. The former can be used for privacy-centric transactions, while the other can be used for the development and/or interaction of smart contracts. While this is true, there are some altcoins that are useless due to the fact that they've been completely abandoned by their devs. In effect, this leaves many investors hodling that cryptocurrency with little to almost no value at all.

Therefore, it's best to thread carefully in crypto land as not all that glitters is gold. Just my opinion

Yes. It's common to see prices rise and fall across the crypto market, because of the volatility inherent within most cryptocurrencies. This applies to Binance Coin as well, although being an exchange coin, it experiences a greater number of pumps across the market than other coins. Given how useful the cryptocurrency is within the Binance exchange, I'd say that it'll be highly demanded by people within the long term.

Since Binance exchange is one of the biggest (if not the biggest) crypto exchanges in the world, it's trusted by many individuals worldwide. Perhaps, that's the reason why its internal token of BNB is among the top 10 cryptocurrencies by market cap. Most recently, Binance has launched "Binance Chain" along with a decentralized exchange named "Binance DEX". Considering that this prominent crypto business is growing at a fast pace within a short amount of time, it seems to be too big to fail right now.

Nonetheless, I believe that Binance Coin will continue to increase in price over time as it has a lot of utility compared with most altcoins on the market today. At times, there will be price corrections, but it'll always be in a positive uptrend in price because of the many reasons stated earlier. Additionally, Binance burns a certain amount of BNB over time, which contributes towards the value of the coin over time. Hence, Binance Coin might not fail but rather survive within the crypto market for as long as crypto exists (unless Binance falls altogether). Just my thoughts

That's certainly true, mate. While Bitcoin allows you to do more than traditional payment processors, it lacks regulation and stability in prices. In this sense, it cannot be used as a daily currency unlike Fiat. In the bright side, Bitcoin proves to be a censorship-resistant payment system that's available 24/7 no matter what happens in the real world. People can confidently send/receive transactions in a safe and secure way without downtime or limitations. Also, Bitcoin can be used as a store of value in the same way as Gold, because of its limited and deflationary supply.

Over time, the pioneer cryptocurrency will improve until it becomes comparable enough towards traditional payment processors. The Lightning Network, Schnorr Signatures, and some privacy features will make this happen in the long term. By bringing instant and almost-free transactions to the world, people will have a viable choice against centralized payment processors.

Nonetheless, I believe that both Bitcoin and traditional payment processors like PayPal and Western Union will survive for a long time. Just my opinion

Agree. Blockchain technology may not be a perfect solution, but it's still better than what we've been accustomed for a long time ago. Replacing the banking system of the past, would allow our economy to improve for the better. This becomes a reality, when Blockchain provides faster and cheaper transactions for the world. Given that transparency and efficiency are one of the key aspects of Blockchain, it could very well eliminate corruption and bring autonomy towards mainstream payments.

Banks and governments have realized this, and have started to adopt Blockchain technology for their own benefit. Of course, the flaws of this emerging tech are still there (such as lack of scalability and fungibility) but it's improving over time in order to become as perfect as possible. One needs to know that Blockchain technology is not meant to be used for nearly everything in our lives. In some aspects, Blockchain cannot fit well due to its many limitations.

Which means that, Blockchain will co-exist with other existing technologies in order to make our world a better place. Perhaps, in the future, decentralization will become more widespread across the world, taking some dominance from the centralized realm. If this becomes a reality, then people would have more control over their identities and funds in a whole new way that was never before seen. Just my thoughts

Exactly. Ethereum will always be a number two cryptocurrency for as long as crypto exists, in my opinion. Still though, Cardano could complement Ethereum as an alternative platform for smart contracts over time. It's growing in development and innovation at a slow pace than usual. But, it's delivering extraordinary results for sure. Knowing that Cardano will make use of PoS in the same way as Ethereum, should give us more reason to invest into it.

In cases where Ethereum cannot meet with the daily expectations of its users (due to high network load), Cardano would prove to be a viable alternative. Diversity is good since it allows the ecosystem to mature at a fast pace. Which means, that Ethereum alone cannot handle all of the world's transactions paving the way for other alternatives within the mainstream world.

Nonetheless, Cardano will not destroy Ethereum or vice versa. You can decide to invest into both, since they have high prospects of becoming successful in the future. Just my opinion