Everything is a reaction of the European Central Bank after to many requests (to not tell critics) from most of the countries of Eurozone about the aims that must have the monetary policies created and decided by this Central Bank and applied in every country of Eurozone. Before the above decisions the main aim of European Central Bank is to hold under control the inflation in Eurozone by penalizing in this way the economic growth in every country. This make possible the increase of the weight of the debt and low figures in economic growths in almost all the Eurozone countries. Seeing this situation and hearing the voices of the members the above bank changed the course and begin to stimulate the economic growth decreasing gradually all the kind of interest. Hoping that will stimulate the growth and the being more healthy for every economy of every member of Eurozone. That's the reason of the above rates that seems a little exaggerated or even strange but are not the only case which is verified. At least I remember one similar case: time ago (not to much) Central Bank of Germany applied negative interest rates. Aimed mainly to put out of the commercial banks all the possible money. In order that to be worked and make profit, employment and economic growth.

There are to many other cryptos that pretend to have qualities that bitcoin don't have. In a certain way these pretend to be better cryptocurrencies than bitcoin. There are several cryptos that are having success in the market or in the connection and the use of the technology in which they are based to be build with several business. So are not only clones but probably are offering something new or different if are able to have good value at the market. Naturally are not competitors of bitcoin in the market but most of those have even much spread in other areas of technology and economy. In other words may have something that can be interesting to analyse and to compare with bitcoin. This can be a very interesting thing to be analysed and realized and can bring a good essays. Maybe it is not necessary to analyse with all of those but with two or three chosen between the most successful ones I think that can be made. Or even with only one. That depends from the data you can have.

Bitcoin only can increase the United States debt or the debt of every other country which would have such kind of problems. Or will create such problems for those countries which will try to use it to decrease their actual debt. For the simple reason that bitcoin is owned by no one. Nor from United States and neither from no one other country. So, to be owned the needed amount to liquidate the debt of the United States (if it will be possible because must be seen the capital market of bitcoin and the amount of debt of United States) and to be used to eliminate the debt, first, the bitcoin must be bought (or created, mining). Both actions have costs. Maybe bigger the first way and less the second way but yet are costs. Any kind of profits. So we will see the opposite of the desired action. The debt will became greater. Will be added even the money needed to fulfill the above actions.  

The most common thing to be made in such situations is to contact both supports. Even the third. I mean the support of Coinbase, the support of your bank which has issued your Visa card and if you will have not good or full explanations from those must be contacted even the support of Visa. After doing those actions for sure you will know all the truth of your story.

As for me, I haven't heard nothing about a possible ban of bitcoin from Visa. And indirectly can tell even that the answer of your question made at main post may be no. Because Payza act only with Visa cards and have even the option of bitcoin as withdraw or send. Visa rule the Payza financial life so if your supposition would be right then Payza would have been baned bitcoin from its services. Until now everything is unchanged there.

Good. Fanny thing. Must be important for bitcoin to have the benediction of Pope. I know that this Pope is very friendly and very open mind people. So if we all there in bitcointalk, open a thread when everyone sign a petition in which will be asked its benediction for bitcoin I have big hopes that will give that. He is a very modest Pope and do to may simple things hat naturally a Pope don't do. So it will be not strange to do such thing for bitcoin. Knowing what kind of invention is and the materialization of what kind of technology it is he will understand its value and will favor it.

I'm serious. 

A typical one (like the other commercial banks which are actually in activity) don't exist. But there are various sites which serve as "little online commercial banks" or offer such kind (or the main) services of the just saying. So you can find, for example, in web several sites which lend bitcoin. This is one of the most important services offer from a commercial traditional bank. Then there are other sites which do even more; offer a place when can be met they who need bitcoin with them who want to earn from their bitcoins. This is practically the essence of the work of a normal commercial bank (one of those which will all know). A normal bank which work with normal money take money from them who want to earn from those and give them interests for the time the bank hold their money. On the other hand, the bank give that money to them who need money for doing something and are ready to give interest for the taken money. For sure you know this. But i wanted to mentioned here the above only to compare it with the below example.

The same thing but in bitcoin make even btcjam (an online site). In this site are listed the projects who need bitcoins and the interests (always in bitcoin) that the owners of those are ready to give for everyone of these to whom will give bitcoin to their project. But attention: it is one thing a traditional bank and it is another thing btcjam (or other online sites similar with it). May be (i don't know if) very away regarding the security of the money/btc given. With the normal bank everything is almost 100% sure. With btcjam (or the other ones similar with it) I am not able to give percentage. There are not data to measure it.

Very good project. Congratulations. But I cannot understand the meaning of your post here in bitcointalk. You hope to find here such mathematicians, want to make know to everybody who read your post that you have such idea or it is part of your project to make as much as it would be possible such kind of announcements about it because this can help in the spread of word and can help in the realization of it.

Anyhow I think that from the idea to the make true of it, is between an entire sea. If you think that doing a post here in bitcointalk about what you will have in mind to realize will help it it's ok. But for me, a simple reader, the only thing that come to my mind is: What is the meaning of this post? What want from the readers of it the OP? Te read it and to think: How able is this boy/girl/man/women in think such interesting thing?

For what we must discuss here about it? There is not any data or something that can make me to give (or to have) something; or to discuss something. Don't need to much brain to understand that this kind of initiatives are fantastic ones if realized. But other things, or better, other words, that can be written about this post I cannot find. Maybe you need adoration for yourself from the others. But you must know that you can have that only when you realize something not when you have in mind to do something which is thought tens or hundreds times before you. To many similar or identical projects borne every day. And almost all die after few days or weks. So I invite you to make a post when you have made something real and not when you are excited about something that must be done and think that with this your excitement will excite everyone other who will know this your excitement. 

The fact written at the main post have nothing to do with your guesses. International trade will not depend from yuan. Will have the same structure except the countries which have privileged collaboration and commercial activity with China. Maybe this action will affect in some way their national monetary policies.

Then, the action written at main post have nothing to do (at all) with bitcoin. Bitcoin has its followers which will not abandon it because yuan was entered at the basket of money that will be considered by IMF in their world monetary policies or in their other financial products. IMF and yuan have nothing to do (at least for the moment) with the market of bitcoin and with everything has to do with it. Bitcoin is yet nothing as an actor compared to this kind of actions which have to do with world monetary policies and not with very small legal markets as it is in this time the market of bitcoin. As for the simple Chinese nothing will change with this action. Have not to do at all with their everyday life. And even less with their actions regarding bitcoin. So who mine bitcoin will continue to do this, who buy bitcoin will continue to do this, who change bitcoin will continue to do this and who use bitcoin to buy several things at the market will continue to do this. Naturally if they will continue to have desire to do such actions. And will be not the fact written at the main post which will affect in some way such their actions.

The most expensive thing that I bought with bitcoin was an investment. Yes, one investment. It is not a common bought and a classic one but is yet a bought. I "bought" this investment (offered from a Fund) in order to have more bitcoin. So I spend a big amount of bitcoin about three years ago. This amount of bitcoins was back to me not in bitcoin but in the amount of value they had in that time. This because the bitcoin invested in this Fund was stolen by the manager of it. And the business which was responsible for that investment decide to give to all the participants the amounts in us dollar of their investment in bitcoin but calculated with value of bitcoin three years ago. Better than nothing. Even the value of bitcoin three years ago was much less compared to it value today. But at least I had something.

Your list has not the name of the best in all wallet. Is a web one and its name is Coinbase. I don't know if has leave this wallet out intentionally (because it is impossible that you have not hears about that) or for another aim. But below I will give some data who make it the only in its kind.

Is the wallet of more than 2.8 million customers from all over the world. 98% of customer funds are stored offline. Offline storage provides an important security measure against theft or loss. They distribute bitcoin geographically in safe deposit boxes and vaults around the world. The sensitive data that would normally reside on their servers are disconnected entirely from the internet. Drives and paper backups are distributed geographically in safe deposit boxes and vaults around the world.

Naturally exist 2 step verification. I use Authy and have not necessity to wait for the code from the automated machine or their server. I open my Authy of my smartphone and the code is generated there and is read when I open the application. So no delay in waiting the arrive of code in your cell like in other similar cases of 2 step verification.

Store your own private keys. You can create a multisig vault in minutes, just like you would a regular vault or wallet. The difference is that you're in total control of your private keys. You control the majority of the keys. Keys are created and encrypted in the browser. Send bitcoin with ease using only your password. Buy bitcoin directly into the vault. Invite up to 5 co-signers to a group vault.

Coinbase is insured against employee theft and hacking in an amount that exceeds the average value of online bitcoin it holds at any given time. Specifically, Coinbase's insurance policy would respond in the event that bitcoin stored in Coinbase was lost or stolen as a result of a breach of our physical security, cyber security, or as a result of employee theft. Coinbase has held this insurance since November 2013 with highly rated carriers (S&P rating of A+ or A.M. Best Rating of A XV or higher).

You can buy and sell bitcoin within your wallets with the best possible prices. This service is offered for the moment in only for 36 countries. Soon hope to be others added.

With bitcoin it is (in our days) always the right time to buy. The expectations about the future price of bitcoin are for much more higher price than the today's one. So, as for me, buy. Today or every day. But within your possibilities. All the expectations are expectations. Not facts or truths. Because every bought mean even risk. No one can be sure on its predictions about bitcoin. But every kind of theoretical model tell that the price will go high. With the difference that these models are for centralized currencies. And bitcoin is a decentralized one. Then must fulfilled some conditions. First of all its acceptation as a currency and its regulation by most of the important or developed countries.

No one had doubt about what happen to Mt Gox since the big thing it happened. At the contrary. Everyone believed on this business so mach that leave there hundreds and thousands bitcoins. When the value of bitcoin was 1000=1200 us dollar one. So it will (must) be even today. Cannot be known such things before the happening of those. Otherwise the people will act and nothing bad will happen. As for your feeling about bitcoin I think you are right. Bitcoin yet is the currency of Dark Web but day after day are becoming even the currency of the Light and the Open Web. I think that this process will go more forward and will have more speed more the various countries will regulate, legalize or accept it.

There is not the first time that they make such kind of meetings or conferences. And always everyone stay in its trench. I think nothing will happen even this time. Can be to much words. Everyone will defend its idea and will be convinced that is the best one. So again words and words. Who suffer is bitcoin. But no one of them care about this. They care only to attract the attention of as many as can people and to find in this way more adoration for themselves.

The miners can include less transactions and add the same the cost of orphan blocks. Using the same fees. If so, I think that are not to many the transactions which will be less, (comparing to the situation with higher fees and the maximum of transactions) and this cannot delay to much the time of confirmations. If there were be more higher fees bitcoin will (risk to) lose one of the most its precious qualities. Its ability to compete with the other kind of transactions made with the normal money. So, even the above write by me cannot be possible or not preferable, must be found another solution which can make possible the not increase of the fees.

I voted for Mawo. A very professional developer and a very friendly person of Horizon Foundation which is working to develop the Horizon project and care about the blockchain and their crypto. I think that few people know this crypto and its blockchain. But it is a very interesting and specific one. To verify this it can be enough to tell that this blockchain is the witness and the corroborative of the first digital marriage in the world. You can find more doing e simple search in internet or reading the Bloomberg article about this, even following this link:http://www.bloombergview.com/articles/2015-12-01/i-attended-the-first-official-digital-wedding

As for Mawo I think that only very few know it. Well, for me he is a person who deserve more visibility and attention. This is the main reason of my vote for him.

But anyone can ask who vote someone not connected with bitcoin but with Horizon. Because Horizon (hz) is (will be known one day as) Bitcoin 2.0. Who want to know more about this "strange" and "bombastic" declaration I am giving below the official thread of this crypto and its team. Everyone may know more things there. Maybe there are not to much written things but who work have not time to speak or write (for the moment I belong to the speakers and the writers; hope to be someday at the other part ) : https://bitcointalk.org/index.php?topic=823785.0

I have to told only few words. As an old miner (beginning three years ago). Don't mine. Even with electricity gratis (I doubt that it will be again free or within the rent when the owner who rent you the home will see the amount of electricity spent). Maybe you will have bitcoin but you cannot be never sure if you will have profit. It will be enough that the difficulty make one of its jumps for two-three weeks and you will be out forever. No one can know this factor and no one can predict how it will be in time. The signs are given with the last increase. Even I doubt that you can be in profit even with the percentage of increase of difficulty seen the last times (without the last one).

You must remember even that after 7 months will be the halving. Maybe will be verified increase of price and the bitcoin will have more value. But if you will use bitcoin to buy the hardware for you the fact of increase of the price of bitcoin will have not any effect. But the halving itself yes. Will be produced half of the actual amount and everyone will earn half the amount earned today. So you will have half of the amount (that would be produced without the halving) produced only after seven month.

I really doubt in your profits in mining. As for me I am sure that I wouldn't have profit.

You will not find never if Binary Options are hallall or haram because no one analyse such kind of activity in this point of view. Can be haram because you will use money to have money. And this may be haram if we bring in mind that muslim banks don't work having as aim of their activity the profit. This is an activity which is doing even from banks. But the muslim ones not. Because can bring profit.

But must be hallall if you use the profit to do charity. At least most of the profit.

So chose you yourself what is this activity: hallall or haram.

If you want my advice don't do this activity. Have no logic and you will win or lose depending only by your luck.

If you want to learn more about binary options read this article of Forbes (you know the importance of this publication: http://www.forbes.com/sites/investor/2010/07/27/dont-gamble-on-binary-options/

First thing the regulation is the main big problem of bitcoin and then came the education. The regulation don't mean restriction, don't mean knock but mean acceptation in "the society" of the normal money. This acceptation cannot be made if bitcoin will not follow all the rules that follow all the other normal currencies. If will not be accepted bitcoin will remain always an "outlaw" and as such never a normal currency. As for education cannot be made no one education for an "outlaw". The place of an "outlaw" is the "prison". And the prison for bitcoin is the use of it only in the Dark Web or only by terrorists. If not "only" then "mainly". Which is almost the same. Regulation don't take away nothing to bitcoin but give it to much added value (value of every kind). The ignoring of it (the not regulation) leave it as it is actually in most of countries: an unknown clandestine or even if known, without any kind of right. To not tell without future because the leaders of various (important or not) countries are or will be not stupids and (will) understand the importance, the power and the following of it.

I have only three predictions to do. That are more my desires than my predictions. Because I am sure that cannot be preconditions about bitcoin. Have no data to do analyses or better have no sure data that can help to give acceptable predictions. First, I "predict" that the price will increase. Most probably after the halving but cannot be strange to be verified such situation even before it. Second, I "predict" that will increase the number of countries which will regulate it and will increase its regulation in these where is already regulated or almost regulated or semi regulated (like China for example). Hope to see one or more countries accept it as a currency, typical fully currency which can act with the full rights like the national currency of that country. Third, I "predict" that bitcoin will see more spread and this spread will affect directly my first "prediction": the increase of price.

I will be more than happy if even one the above become true. It will be enough for me only that this verification can be permanent.

For me the best wallet is Coinbase. https://www.coinbase.com/. Has about 2.8 million users. Is a web wallet so can enetr on it in every part of the world with a computer, a smartphone and a connection in internet. pay all the fees of every send of bitcoin which in other wallets are paid by the user (by you). Have any kind of fee having bitcoin there. 98% of customer funds are stored offline. So every hacker will find only a few satoshi if will be able to hack this wallet. 2 step verification in several modes. I have chosen Authy which allow me to have (produce) in my smartphone (or in my desktop with password) the code which allow me to enter on it. So no one cannot enter except me. Only me have my smartphone. And have no fear that the code don't arrive in my cell if it will be used the 2 step authentication with the send of the code in it from another external machine (device).

At least but not the less important, Coinbase is insured against employee theft and hacking in an amount that exceeds the average value of online bitcoin it holds at any given time. Specifically, Coinbase's insurance policy would respond in the event that bitcoin stored in Coinbase was lost or stolen as a result of a breach of our physical security, cyber security, or as a result of employee theft. Coinbase has held this insurance since November 2013 with highly rated carriers (S&P rating of A+ or A.M. Best Rating of A XV or higher).

Within this wallet can be bought and sell bitcoins with the best prices in the market if you live in one of the 32 countries in which is offered such kind of service. these countries are listed in website.