The headline explain why this community will hate CBDC very much, The pilot project of Brazil's #CBDC #RealDigital allows the freezing of user wallets and reducing balances On the threads on twitter also said that the Government are still considering whether the will keep the function of freezing account or not after the test period finish. But I think everyone know the answer, they will absolutely keep it, they need control over the accounts, otherwise they will make tools that allows for money laundering. |
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I don't think it's surprising, with the ChatGPT boom last year, everyone now want to be involved in AI. I also heard that all those supposedly crypto influencer turn into AI influencer in one night. There is one good thing tho, those crypto scammers will now turn their eyes to AI.
On a serious note, I think AI and Crypto can run side by side and support each other. Maybe developers could start using AI to make a better blockchain product that actually solve some real problems.
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I see that you are a newbie and this is your first post. I am so sorry for your loss, this kind of scam shouldn't be your first experience of Bitcoin and Crypto. This might not get your money back you can find recommended exchange easily on Coinmarketcap. One of the exchange on the list is OKX which is decentralized, but if you think you prefer centralized exchange there also bunch of them on that list. |
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I don't know where you live right now OP, but in my country owning Bitcoin is not a crime, it's currently legal to own a bitcoin here, as long as you don't use it as a currency. Centralize exchange are free to advertise their platform and to give proper education about bitcoin and crypto, so there is no need of secrecy to discuss bitcoin.
I wish anywhere you live, you will be able to discuss and buy Bitcoin freely very soon.
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Though I think it will depends on so many factors like the nutrition and education level of the people, population is more of strength rather than weakness, the top 2 of the largest economy in the world is USA and China, based on this site. Both country is also on the top 3 most populated country. based on this site. That shouldn't be a coincident. In short I think more population meaning more worker to produce more goods, and more consumers to attract investors. |
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Saya juga terkejut dengan adanya informasi ini, setelah membaca informasi yang Op share disini saya langsung membuka aplikasi Tokocrypto untuk melakukan percobaan penarikan BIDR untuk membuktikan keabsahan informasi ini. Sejujurnya saya tidak menemukan permintaan tambahan seperti wajib melampirkan nama penerima dan juga alamat penerima atau dengan kata lain proses penarikan yang saya lakukan masih normal.  Bukti WD yang saya lakukan tadi sore. Op, apakah kewajiban melampirkan nama penerima dan juga alamat penerima sudah berlaku atau akan berlaku.? Soalnya tadi sore waktu saya melakukan withdrawal ke rekening bank tidak menemukan aturan seperti itu, Alhamdulillah BIDR yang saya WD langsung masuk ke rekening. Saya membaca dari setiap postingan yang ada disini jadi agak simpang siur beritanya. Karena agan bisa melakukan wd tanpa harus di mintai tanda penerima atau alamat penerima sehingga saya yakin kalau op tidak melakukan kyc di saat menggunakan tokocrypto. Saya dulunya pernah menggunakan tokocrypto karena fee wd murah tapi semenjak indodax menurun fee wd, saya lebih suka menggunakan indodax karena indodax mendukung penarikan untuk ovo dan tidak ada kendala bagi saya ataupun untuk bank. Sampai saat ini OP belum ada balasan lagi, kalau menurutku memang sepertinya OP belum menyelesaikan proses KYC nya. Soalnya banyak reply lain yang mengatakan bahwa mereka tidak perlu mengisi Alamat Penerima. Kalau pendapat saya pribadi sih karena memang ini CEX jadi ya mereka punya kewajiban untuk mencegah pencican uang, kalau memang belum KYC sepertinya cukup wajar kalau harus mengisi data extra. Selain itu banyak yang menyebut Indodax sebagai alternatif tapi tidak banyak yang menyebut Pintu, saya dulu juga pakai Indodax seperti yang lainnya, tapi tidak pernah menggunakan TokoCrypto karena sepertinya tidak ada bedanya dengan Indodax, sedangkan Pintu lebih seperti Luno namun dengan fee yang jauh lebih murah. |
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Yeah I totally agree that most of new people in Bitcoin don't want to setup their own wallet is because they don't want the extra step, however I think there another reason like the person is not yet fully committed to Bitcoin so they left the Bitcoin on their CEX wallet, so incase they saw the Bitcoin price dropping they can easily and quickly sell and cashout their Bitcoin again.
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'Can CBDC users lose control of their money?' well yes definitely, that's like the main purpose of the CBDC, cryptocurrencies are not controllable by the the government, while government need something that can be controlled so they can maintain stability of their people.
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I don't think you could compare Bitcoin and Gambling, both are two different things that are not directly comparable, Bitcoin is a form of payment, and Gamble is a hobby/activity. It will be like comparing sports and gold, people love both, you can gamble while buying bitcoin, so this comparison wasn't really necessary.
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Inflation is really biting hard, and nobody is doing anything about it, should we all just go with what Tupac said, "that's just the way it is, things will never be the same".
A lot of person's have ascribed this global inflation to the crisis Rocking Ukraine and Russia, a lot of person's have also said it's as a result of shortage of gas supply across Europe and other countries.
The whole story is not just clear, as to why inflation is biting so hard and IMF AND WORLD BANK are not doing anything about it and the people are just left to face their fate alone.
The prices of goods and services are constantly going astronomical high and there is no hope insight of this ugly situation coming to a halt.
The purchasing powers of citizens are getting weak and I don't understand if the consumer protection laws are even effective anymore this days.
You buy something for a certain amount today, in the next one week, that same item you bought has charged Prince without any reason.
How are you guys pulling it through with this inflation?
I don't know where were you came from, but from where I come from, the inflation is quiet low, from 2017 it always less than 4%, since I am not an expert in macro economy I can't validate nor knowing how is that number came from. But if we compared the price of some commodity like gold and petrol, their price has been up about 25% since 2019. So, I guess my money has 20% less value to bought some stuff. |
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I couldn't find the research that has such details as the link above, but according to this data the percentage of woman and man who become an entrepreneur compared to the whole population in 2019 is similar, 14.1% of woman is entrepreneur and 14% of Man is entrepreneur. I think it can only show that both man and woman has the same confidence level of becoming an entrepreneur. Again that is the macro data, but from my experience at least in my region women are more likely to become an entrepreneur since it's easier for Man to get a formal job, to get employment while woman need to deals with a household, so it drive them to be entrepreneur where the can juggle between household and work. |
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I don't think this kind of POD Form that is issued by the Bank is applicable in my country, in here Bank is Obligated by the law to give the money of the deceased to their family, or else if they want to give their money to someone outside of family they need to make a wills (this one might need a lawyer). Both my parents died last two years when the covid attacks, gladly they don't left much money so I and my siblings never bother to argue about some money, all those money were spent for the funerals.
And I thought a lot of us are already bankless. With so much advice to leave your money out of the banks because of the bank runs, You must have missed the warnings for still having a bank account and having plans to get POD? Not also sure if this option is offered in my country. But it wouldn't hurt to have POD if you still have a bank account though.
I wish I don't need bank account, most of the transaction here now is cashless, and the only legal currency is the money issued by central bank, Bitcoin is illegal as the form of payment here. |
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I have a very weird experience and story about passion, I used to passionate about Graphic Design and Animation. I really like to learn about it, keep getting better, digging deep on the technique and several style, but right after I turn my passion into a job and I earned money from this passion, I became less and less passionate about this. What I did next is finding a new hobby and turn it into passion, I am into music now, I learn it, keep digging on it, but now I have a fear if I am actually getting money from this new passion I will lose the passion again.
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Apakah sebelumnya ada user lain yang melakukan Count Down disini.? Jika tidak berarti tidak boleh karena tidak sejalan dengan tujuan Thread. Sudah tersedia Thread untuk melakukan Count Down di board Reputation, agan bisa singgah disini [v2][Self Moderated] In Merits, Count Down To Your Next Rank... untuk melakukan Count Down. Sepertinya agan ingin segera berada di peringkat Sr. member apalagi jumlah merit yang dibutuhkan tidak banyak lagi, saya akan mencoba menerbangkan anda ke Sr member secepatnya apalagi saya baru saja mendapat tambahan 4 sMerit. Semoga dapat membantu anda. Selamat juga buat anda yang telah menginjakkan kaki ke rank Sr member, semoga terus konsisten untuk mencapai Hero member. Wah terimakasih sekali gan sudah dibantu... Terimakasih juga kepada agan bitleap, jadi merit saya lebih 2  . hehehe... Wah ternyata tidak boleh ya gan.. Tapi udah terlanjut. ya saya mohon maap atas kejadian tsb. Jujur udah gatel si gan, tinggil dikit banget soalnya..  Tinggal agan @pulloweh yang siap-siap menyusul. Tapi kayaknya bulan depan ada cukup banyak kandidat yang akan naik, seperti agan armanda, icalical, dan lainnya.. Dan saya ucapkan juga selamat kepada diri saya sendiri atas kenaikan yang sudah di dapatkan. Meskipun hal ini tidak lain dan tidak bukan atas sentuhan tangan ajaib dari agan @mamesso dan @bitleap, dan bom merit oleh agan @dbshck yang sudah ditunggu sejak lama  Congrats gan atas level up nya. Dan terima kasih atas doanya, semoga beneran bisa bulan depan, semoga saya bisa konsisten posting dan tidak angin-anginan buat aktif di forum khusunya SFI. Sepertinya bakal banyak yang mulai rank up bulan depan selain ane juga, postingan di SFI sudah sangat lebih seru sekarang dibanding awal saya mulai di bitcointalk dulu, walaupun gak sebanyak dulu anggota aktifnya. |
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Jadi jawaban saya mereka pantas untuk dibubarkan karena mereka yang mengatasnamakan rakyat sementara rakyatnya sudah tidak percaya terhadap mereka.
Wacana untuk membubarkan DPR itu setahu ane sudah ada sejak zaman pemerintahan Gusdur, kala itu presiden Gusdur melihat kalau DPR itu hanya sebuah perkumpulan anak di taman kanak-kanak yang tidak sama sekali bekerja atau membantu memulihkan bangsa. Akan tetapi, karena Dekrit presiden tersebut sangat menggangu dan mengusik kenyamanan mereka, akhirnya Gusdur pun digulingkan dan dibikin isu korupsi Bulog dan brunei gate. Namun ya tdk terbukti, itu hanya sebagai politisasi DPR supaya tetap nyaman di senayan, Nah iya betul sekali, sangat tidak mungkin untuk membubarkan DPR, karena memang salah satu fungsi esensial sebuah negara ya ada di Dewan, tanpa DPR, penyelenggara negara (dalam hal ini Presiden) akan memiliki kuasa absolut dan minim pengawasan, DPR (Legislatif) sebenarnya sebagai perpanjangan tangan rakyat untuk mengawasi kerja Penyelenggara Negara/Presiden dan Kabinetnya (Eksekutif), namun nyatanya DPR saat ini sama sekali tidak mewakili rakyat, korupsi, pengesahan Undang-Undang yang mayoritas rakyat menolak. Akan lebih tepat kalau DPR dibuat ulang sepenuhnya, yang mana sudah ada sistemnya setiap 5 tahun sekali, tinggal pemilih harus jeli memilih mana calon DPR yang bisa bekerja jujur, sulit memang, tapi ya itu resiko sistem demokrasi. Bagaimana mereka bisa jujur, sementara itu ketika menjadi calonpun mereka memenangkan kontestasi dengan cara yang tidak jujur, dengan memakai politik uang, dengan membeli suara kepada pemilihnya. Dan ketika menjadi anggota DPR ataupun DPRD saat melakukan kunjungan kepada masayarkat atau yang dikenal dengan reses apakah sesuai dengan tujuannya untuk menampung aspirasi menyampaikan masyarakat dan menindaklanjuti aspirasi tersebut, Saya rasa tidak reses hanya digunakan untuk ajang kampanye yang dibiayai oleh negara. Kalau itu berarti kembali lagi ke masyarakatnya, solusinya tentu masyarakat jangan mau menerima uangnya, namun tidak bisa dipungkiri kalau kondisi masyarakat yang kekurangan uang sangat sulit untuk menolak uang tersebut. Jadi seperti lingkaran setan, [Politisi curang mempersulit masyarakat] >>> [Masyarakat Kesulitan Uang] >>> [Masyarakat tergiur menerima uang dari Poltisi] >>> [Masyarakat memilih politisi curang] >>>[Politisi curang mempersulit masyarakat] dan kembali lagi ke awal. Namun menurutku kalau kita masih melakukan pemilihan langsung terhadap calon DPR harusnya kita masih memiliki cukup kuasa untuk menentukan DPR nya akan seperti apa. |
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I think it highly depend on the industry of the business, I only have experienced two business failure. I will only tell the first one which is a culinary business, everything went bad in the first year, and the business didn't make any profit after the 9th month, and it ran out of money after 1 year (or 14 month, I forget the details) so I decided to take a loan, this culinary business is not getting better and I officially give up after 2 years and 3 months. I think the loan is a mistake and I should be just give up after 1 year and the business ran out of money. And after I was asking around to some of my colleague who has a lot more experiences in culinary business, they said that most culinary business will either last long and succeeded, or died about the first year.
It's not really advisable to take a loan to help a business that's trying to survive. It's only good to take a loan when you're into expansion and your business is already profitable. But I do understand why many owners are doing that, it's because they're believing in what they do and the business that they're establishing. But then, if it's already too long like a year or two and then the business is still not making a profit and you're already in debt. That's the time to acknowledge everything that it's not going to work if you have done already a lot of things like trying to change the process, upscaling, changing location and other things. Yep, lesson learned, I shouldn't have taken that loan, after I know that the business is not profitable again. But I think the main reason why I took that loan is because I still want to keep up the hope, since I already invest my money my time and my effort into the business. I don't think I could accept that all those time, money and effort will be wasted if I close the business at that time. It turn out, those loan make me waste more money, more time and more effort. |
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~
Kalau jaringan blockchainnya mungkin ya, tapi bagaimana dengan pembobolan akun nasabah? Jika melihat keterangan agan, mungkin blockchain yang dimaksud seperti jaringan bitcoin, awalnya saya juga berfikir seperti itu, kalo modelnya kaya gitu berarti nanti pakainya key dong, nah kita bisa dong ngintipin wallet-walletnya crazy rich Indonesia, nah kalo key sampe ada yang tau juga sama bahayanya. Cuma agan @ETF_bitcoin menjelaskan ada sistem blockchain tersetralisasi. Tergantung sistem apakah sentral atau desentral, kalau desentral ya bisa, tapi kan kita tidak tahu suatu wallet itu milik siapa, seperti kripto pada umumnya saja. Sebenarnya saya tidak spesifik apakah bank akan memakai sistem sentral atau desentral. Harusnya sih lebih condong ke sistem sentral ya karena ini milik otoritas. Dalam whitepaper yang sudah dirilis oleh BI tentang CBDC juga sepertinya lebih condong ke sistem sentral, nodes blockchainnya juga dimiliki oleh BI. Key yang dimaksud ini private key kan ya? harusnya di blockchain desentral juga key tidak bisa diketahui oleh umum, kalau sistemnya desentral key menjadi tanggung jawab nasabah maka hanya akan ada 1 key yang secara mutlak milik nasabah seperti kripto yang sudah umum, (ETH, BNB). Tapi kalau sistemnya sentral seperti CBDC maka sistem private key yang mungkin digunakan seperti artikel ini adalah membagi key menjadi 3 kategori, Key 1 untuk Nasabah, Key 2 untuk Bank, dan Key 3 untuk Otoritas (Pemerintah, OJK, dll). ~
Selain itu, kebanyakan kasus di perbankan juga pembobolan akun nasabah bukan kebobolan jaringan, meskipun mungkin ada kasus peretasan bank tapi saya kurang mendalami apakah mereka sampe bisa mengambil uang-nya atau cuma masuk ke sistemnya. Kalau kasus yang dimaksud adalah kasus penipuan atau phising dan kebobolannya karena nasabahnya yang ceroboh, sepertinya sistem seperti apapun sulit untuk mencegah sesuatu seperti itu, bank sudah mengantisipasi dengan 2FA melalui SMS juga nasabah yang kebobolan akunnya tersebut dengan sukarela memberitahukan 2FA nya. ~
Kemudian jika bank menggunakan sistem crypto, apabila ternyata bank tidak bisa memutarkan uang nasabah juga pastinya bank tidak mau mengimplementasikan model ini karena mereka tidak bisa mengambil keuntungan. Terus masalah keamanan, jika bank sudah di amankan oleh LPS maka kita juga tidak perlu khawatir dong, biar bank kebobolan pun uang kita tetap aman. Jadi sistem crypto dan sistem konvensional masih cenderung sama dan belum kelihatan kelebihan crypto yang mencocok Sistem kripto juga sudah banyak mendukung Lending jadi Bank sangat bisa memutarkan uangnya. Sepertinya dari banyak argumen agan, agan berpendapat bahwa sistem blockchain ini digunakan untuk melindungi nasabah agar akunnya tidak berpindah tangan, dalam bank konvensional juga, kalau seorang nasabah ceroboh sehingga akunnya berpindah tangan, atau terkena penipuan dan secara tidak sadar melakukan transfer dana kepada penjahat, LPS tidak akan bertanggung jawab atas hal itu. Dan tujuan blockchain bukanlah untuk melindungi pelanggan dari resiko akunnya berpindah tangan atau terkena penipuan, kelebihan sistem blockchain dibanding Pembukuan Tradisional (Traditional Ledger) adalah ketahanan blockchain terhadap manipulasi data, sederhananya dengan sistem pembukuan saat ini peretas hanya butuh untuk membobol satu sistem bank saja kemudian akan dengan mudah untuk memanipulasi semua data (jumlah uang ditiap - tiap rekening, melakukan transfer dsb), dengan sistem blockchain dengan nodes, peretas harus membobol jutaan/milyaran nodes secara bersamaan kemudian mengganti data (jumlah uang di tiap rekening) secara bersamaan juga, dan dengan kemampuan komputasi yang ada saat ini hal ini hampir mustahil untuk dilakukan |
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Okay, although I was here in 2017, I vaguely remember the whole BitConnect incident. I hardly remember anything after over 6 years. However, this isn't the first incident, is it? We've had plenty of similar ones in the past year or two. Starting from the FTX exchange and their token, FTT, which went downhill after the exchange shutdown and is now worth peanuts. Guess what, there were people who had invested millions in FTX and the token itself. It's sickening to think that at one point you're a rich and successful investor and, in the next moment, you have absolutely nothing. Don't get me started on Terra, which crashed within a day or two, vanishing billions of dollars worth of crypto and, of course, no solution was ever found for its investors.
I think it's because BitConnect are not that popular in Europe and North America, (where mostly is first world country). But it's massively popular in South East Asia, in Indonesia where I came from, it even reach the grass root level, where there is a community of Bitconnect that held monthly meeting, and believe it or not most of the people never heard of Bitcoin or even Cryptocurrency, all they knew was Bitconnect. One of my relative joined this community, depositing some money, but after few months of explanation and argument with me, I can finally assure him that it's a ponzi scam, he finally withdraw his money, about few months before the Bitconnect fall. Anyway most people in here never learn from the Bitconnect, after Bitconnect, there are several similar scam, and people still invest in it, some of the scam falsely claiming as crypto but it's not, and people still believe in it, and the more shocking thing is that they are the same people that are fooled by Bitconnect and previous scam project. I really surprise that they still have money after all those thing. |
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Tapi disatu sisi lainnya, apakah benar-benar uang yang kita simpan di bank aman? bank tidak menggunakan uang itu untuk hal lain dan menyisakan hanya sebuah catatan di buku rekening?
Pertanyaannya apakah uang yang disimpan di Bank atau tidak, jawabannya adalah Aman selama negara ini masih berdaulat, karena ada Lembaga Penjamin Simpanan https://www.lps.go.id/, kalau Bank tidak bisa mempertanggung jawabkan uang yang di simpan nasabah, dititik paling ekstrim LPS akan mengambil alih Bank dan mengganti uang nasabah. Kemudian apakah bank menggunakan uang nasabah? sepertinya sudah rahasia umum kalau uang nasabah yang disimpan di Bank diputar kembali oleh bank dengan dipinjamkan ke Nasabah lain yang mengajukan pinjaman, yang mana akan menghasilkan sumber penghasilan utama Bank yaitu Bunga Pinjaman. Kemudian Bank juga diwajibkan untuk membuat Laporan Keungan Tahunan yang bisa diakses oleh publik dan tentu sudah diaudit, contohnya Laporan Keungan Bank Mandiri seperti ini https://www.bankmandiri.co.id/web/ir/annual-reportsKalau dibandingkan mana yang lebih baik antar Bank Konvensional dan Blockchain tentu Blockchain jauh lebih baik, bukan hanya soal Transparansi, namun juga soal keabsahan dan keamanan. Bank walaupun sudah digital, akan masih memungkinkan untuk datanya dimanipulasi dan diserang oleh peretas, dengan Blockchain hal itu bisa dihindari, setiap Data akan disimpan dan diverifikasi oleh jutaan, milyaran, bahkan triliunan node, sampai saat ini belum ada perangkat komputasi yang bisa meretas sistem blockchain. |
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I think it highly depend on the industry of the business, I only have experienced two business failure. I will only tell the first one which is a culinary business, everything went bad in the first year, and the business didn't make any profit after the 9th month, and it ran out of money after 1 year (or 14 month, I forget the details) so I decided to take a loan, this culinary business is not getting better and I officially give up after 2 years and 3 months. I think the loan is a mistake and I should be just give up after 1 year and the business ran out of money. And after I was asking around to some of my colleague who has a lot more experiences in culinary business, they said that most culinary business will either last long and succeeded, or died about the first year.
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