I came across this news last night concerning the new Airtel Africa smartcash payment service bank that just started operating, the smartcash payment service has offered free transfer to Access, Zenith, UBA etc. I was surprised to see the news and it seems the offer will not stand for long and they just want their customers to enjoy the free transfer that's why they offered such.
Seeing the CBN transaction fee, #10 fee is for 5,000 etc. Remember that in bitcoin transaction you must pay a transaction fee and the fee dey high for now but now the local banks are making transaction free, seeing this free transaction offer sounds misleading for newbies that just started investing newly and some dey complain about the fee.
The fintech bank dey really try for Nigerians cause have seen another information in this board concerning Opay and their 15% annual profit. With all this kind of offers some people go quickly dump their investment then focus on the free transaction with their local banks, I'm not saying the free transaction is bad because we too dey part of the free transaction stuff but make e no stop some people from buying bitcoin, regardless the free transaction fee make we still focus on bitcoin because naira no get value and naira and bitcoin no fit compete.
In your own opinion what do you think about this move?

Federal Government of Nigeria ordered the central bank of Nigeria CBN to ban all the cryptocurrency related services in the country in the year 2021 and this has been a discussion among the cryptocurrency enthusiasts though the banned didn't affect them that much because they were all using peer_to_peer(p2p) transaction system. It was restricted from using public service like bank and cryptocurrency related statement in the public space.
And based on the restriction, many were arrested because they violated the restriction law, police arrested some people across the country yet Nigerian youths were agitating and insisting to adopt bitcoin in the country and finally, the newly elected president Tinubu, in the month of November asked the newly appointed CBN governor to accept cryptocurrency in the country, and there was a mini jubilation in the cryptocurrency ecosystem world in the country.

Therefore, now that the long waited expectation has come, what is the next thing to do in the country concerning cryptocurrency. Cryptocurrency is not yet a legal tender in the country, so many businesses are still lagging behind, what's the next step now?

I came across this discussion online and I decided to bring it here, in the discussion Adedeji Owonbi a crypto masterclass, Adedeji was making a speech and he said central bank of Nigeria should have created a friendly relationship and regulation strategy of blockchain in 2021 instead of cutting ties between cryptocurrency exchange firms and local bank.
In the discussion he also stated that Nigeria is considered to be 90% with crypto awareness in the world, Nigeria would have gone beyound the 90% from my observation most Nigerians would have loved to own bitcoin and other crypto cause it's a modern technology and a decentralize currency.

Unemployment and inflation: I will consider inflation and unemployment as one of the factor decreasing the adoption of bitcoin in Nigeria, anyone who's not working cannot just own a bitcoin, what am trying to say is most people in Nigeria have heard about bitcoin and would love to invest but due to the inflation in Nigeria can stop their interest to hold bitcoin.

The fact that creating an ANGENCY in Nigeria to regulate the use of crypto and protect investors remains valid.
In my opinion acceptance of decentralize currency can help the growth of financial market in Nigeria. We live in a digital era and technology is taking over the world and financial aspect.
With the amazing features of decentralize currency it can promote financial market in Nigeria

• secured and safe transactions
• with the decentralized nature of bitcoin, it allows individuals to control their funds
• financial independence
• transaction fee is minimal in both international and national if the ordinals are removed.

I created an electrum wallet and I was trying to get the address but it indicate that it will expire after 10 minutes, 1 day and 1 week, so I want to know when I give out this public key to receive bitcoin then after the expiring date, can I still use the address again or I will go and get another one?

Bitcoin investment dey very important for this our society and  any person wey don get the knowledge of bitcoin and invest go benefit from bitcoin.
I dey sabi see this thread for this forum wey people dey compare real estate investment and bitcoin investment, even for social media most people dey compare this two sometimes but I see no need comparing the both because both get their differences. But for me as a Nigerian I think bitcoin investment is very important so I will choose bitcoin investment. Bitcoin investment na 50/50 but I still prefer bitcoin investment and any person wey reason this matter for Nigeria go prefer bitcoin investment.
Reasons why bitcoin investment is important in Nigeria:
Firstly let me compare the issue about real estate investment and bitcoin investment.

• before owning an estate, we need to consider the land and most land for Nigeria dey very low due to the nature of the land, so person wey wan buy land for estate investment needs to consider this factors, like for my state the land them low wella so any little rain water dey come underground for some area and people wey find themselves for this kind area and them wan build estate how person wan do?
• flooding for Nigeria na the common thing wey dey affect houses but I thank God say this year the flood wahala no come. Everybody know say when this flood don come e dey enter houses and e dey affect estate (building) and e dey affect estate owners too because people go pack out, but in my own view na investors dey face the major challenge.
• After this flood the house no go get beauty again and the house no go dey attractive and estate owners get bring back that beauty of the house with huge amount of money like painting the house
• Secondly most people no go like to live for area wey dey flooded every year because of the stress of packing and other things so why not find another estate wey no dey flooded, me personally if I find estate wey flood dey enter every year me self no go rent that house because I hate stress, how do I mean by the stress, most people no sabi swim for this country and in times like this things dey happen even who sabi swim is not advisable due to the erosion so is better to avoid flooded areas, so if everybody dey run from flooded area/house how the investors wan do and this na the common challenges estate owners dey face for Nigeria that's why I prefer bitcoin investment cause is more secure and safe. No be for only naija other countries wey dey engage for war and fight, bringing down of buildings with bomb etc. Just like the war going on in israel and Palestine, so for that kind country I no advice any person to choose real estate investment
• in Nigeria, mostly my locality, estate investment is not lucrative and as I said, there are many factors that affect estate investment, hotel owners in my city are also complaining the low patronage by customers, therefore bitcoin investment is preferable in this generation.

While bitcoin investment has to do with you and your money no other person to control your money. The only thing person need to know before investing na to get knowledge of bitcoin/ investment, how to secure your seed phrase, keep your bitcoin holding a secret, stop following social media influencers trying to advertise crypto(bitcoin), ignore unknown contacts discussing about bitcoin investment. Bitcoin investment has to do with privacy and smartness.
I saw a thread talking about bitcoin investment and Dangote, saying if Dangote had invested on bitcoin earlier he would have been the 6th richest man in the world and that's just the truth, but as I reason this matter no be only Dangote, our politicians too. Naija politicians na people wey sabi hide their wealth normally EFCC no dey allow them rest when it comes to property and wealth, we fit testify say most of our politicians has been arrested just because of their wealth and just if our politicians can invest half or little of their wealth on bitcoin it would have been better rather they keep using dollar, I see bitcoin as a private investment, if you no tell person, person no go know so I don't think EFCC can verify these politicians money on crypto(bitcoin), I don't know if our politicians have the knowledge about bitcoin cause I made my research and I saw a news where ex vice president professor Yemi Osinbajo was addressing Nigeria government not to ban bitcoin but bitcoin should be regulated.
Even if CBN government no wan accept crypto(bitcoin), they cannot change the fact that Bitcoin as a decentralize currency is more better than fiat. Nowadays we don't trust bank workers anymore, sometimes  I see stories online how bank workers scam customers

As I started my bitcoin journey last month I observe say bitcoin knowledge is very backward in the country and bitcoin knowledge na wetin everybody go fit acquire in a simple way. According to wetin Satoshi Nakamoto talk bitcoin is for everyone and people who become part of the technology, and that's why I'm using p2p. I come dey wonder for naija way we so I no know for your area but for my area i no too dey hear bitcoin, the thing no dey popular for my area. Most people never hear the word bitcoin for their life self, so how we go do?
Last time I wrote about a topic will Nigerians marketers accept bitcoin if legalize. I saw different comments say them go accept, but to accept bitcoin no be the problem, them get the knowledge about bitcoin? Because wetin person no know big pass am by far. People need to get a solid knowledge about bitcoin first before using it and how to secure their coins/wallet if possible make them get guide wey go guide them through because if bitcoin dey legalize for naija scammers go dey invent new methods every day just like the way scammers dey for fiat.
In essence I wan talk say make we dey teach about bitcoin for our area because as bitcoin dey grow so countries go make bitcoin dey legalize as the world dey develop with different technology and Nigeria no go dey left behind, I believe say Nigeria go make bitcoin as their legal tender one day. So make we start to dey teach the knowledge about bitcoin so that the thing no go dey new for people ear.

• students/children I have seen many threads on children education and I also want to contribute my view, one thing I observe about children them dey very sharp when it comes to learning especially learning about technology. I go like say make we start to dey teach the younger ones about cryptocurrency(bitcoin). Teaching them about the advantages and disadvantages about bitcoin, the risk involve and everything wey person suppose know about bitcoin. Some go say wetin concern small pikin and bitcoin, so as long as the pikin don know good or bad that pikin fit learn about bitcoin, so creating the awareness of bitcoin to our children is one of the best idea.
  Here are some threads about educating children about bitcoin:
   https://bitcointalk.org/index.php?topic=5438924.0
  https://bitcointalk.org/index.php?topic=5432314.0
  https://bitcointalk.org/index.php?topic=5454984.160
• business owners: I think if you're a business owner maybe you're into selling of goods, clothes or supermakert, is best if you accept bitcoin as your pay in return. By so doing you're creating the awareness of bitcoin to your customers for example a school principal accepting crypto (bitcoin) as a school fees payment, he also stated that he believe that one day digital money will gain more acceptance than paper money so he wants to be part of the technology now.https://cointelegraph.com/news/nigerian-secondary-school-will-accept-crypto-payments-despite-regulatory-uncertainty

Lastly bloggers, if you dey into blogging, make your site dey talk about cryptocurrency(bitcoin), cause everyone makes use of the internet everyday.

In a modern world where technology has been dominating in all aspect, new inventions and new technology. Creating of robots in all aspect, marketing sector, agro sector, etc. So in the cryptocurrency space people use robot to predict the Price, gambling and trading of bitcoin.

• the human brain is made up of billions of nervous tissue, and it can accumulate and store thousands of information. On the other hand robots has a stuck brain, that has been programme for a particular purpose, a robot cannot do further thinking. Robots cannot take the place of humans when it comes to prediction and future telling because robot has a stuck brain and can't think of what will happen in the future and if it does, it will give that particular answer all the time.
• robots are been programme and it cannot think and act on his own, so robots are still controlled under human intelligency. In a situation of comparison, man is a creative being.
• humans have the ability to think, the human brain has the ability to think and make multi decisions. And cannot be compared to robots in essence robots cannot think beyond the purpose and programing.
• making use of robots to predict the price, gamble and trading of bitcoin can affect the feature generation, making the generation lazy in thinking aspect.

Conclusion: therefore using robot to predict, gamble, and trading is not a good idea, because the disappointment will be a great damage.

20 October 2020
A day Nigerians will never forget, 3 years remembrance, ENDSARS. Dear Nigerians remember that on this day 20th of October 2020 the endsars movement was formed to fight the suffering, harassment, unjust detentions, continuous abuses.
Some Nigerians youth who protested peacefully because they were tired of the abuses and suffering were murdered and brutalize by angry soldiers at lekki toll gate.
I kept on wondering who sent the gun men to murder and injure peaceful protesters but no answer.
Today we honour the youths and heros who sacrificed there lifes at the endsars toll gate in lekki.
On this sombre three years anniversary the youths of Nigeria demands:

• release all political prisoners
• accountability and compensation for grieving families and including dignified burials.
• permanent memorial at lekki toll gate
• release of all judicial inquiry reports
• prosecution: youths demands justice for souls lost on 20 October 2020

Rest in peace to those we lost at lekki toll gate
Source: https://socialistworkersleague.org/2023/10/07/endsars-3rd-year-memorial-a-resounding-call-for-justice-and-unwavering-remembrance-of-our-heroes/

Have seen a lot of threads talking about the bull market, and everyone making comments.
I don't think selling all bitcoin in the bull market is a good idea. Why? Knowing the fact that the next bull price will still come as bitcoin continues to grow, so I don't think selling all my bitcoin in the bull market is the best.
Everyone is holdle bitcoin in the bear market and planning to sell in the bull market, now, when finally, the bull market  comes should I sell all my bitcoins and prepare to accumulate from afresh in the next bear market again? or should I keep some percentage to continue the accumulation?

Have been wondering if Nigeria government makes bitcoin legalized, and if he does, will our marketers/traders accept bitcoin as exchange for buying of goods. Me I know naija very well, if government talk A we the citizens fit do B, na normal thing for naija. So we have been talking about bitcoin and the government gave deaf ear, but if government finally legalize bitcoin will our marketers accept bitcoin?
From my paspective our marketers will not accept bitcoin as there currency.

• just like what have been saying we live in a digital dispensation and bitcoin has also contributed to our technology world today. And most of our marketers are not well educated about bitcoin, before owning bitcoin the person must have a knowledge about bitcoin, secondly bitcoin has to do with phones and Internet, traders in market will say they don't have android phones. And those business women will tell you straight to your face that they need fiat, some will tell you say them no go school. Just like wetin I talk when government talk A citizens go do B. I even remember last time wey our former president change the old currency and when I took the new naira note to the market, most traders rejected the money that the money looks fake and they will not accept the new naira note.
• scam: most traders for naija don decide say anything associated with phone and transfer na scam. Even some pos point no dey accept transfer, talkless of bitcoin.
• even if government legalize bitcoin that does not mean government will not take taxes, marketers are entitled to pay their tax. Of course government will not accept bitcoin as there tax payment. Marketers pay taxes with fiat currency and not with bitcoin, so traders will say they cannot receive bitcoin as there payment and pay fiat to the government.
• even pos systems does not accept bitcoin, most of our local traders doesn't have bank accounts, and when tranfering fiat currency we make use of the pos machine but how will it work if the pos machine doesn't have bitcoin or other cryptocurreny.
• bitcoin payment has no refunds, when the coin has been mistakenly transfer to another address then it is gone.

In our today world, where technology has taken over everywhere, people in marketing fields are benefiting from the digital world:

• Marketers before had no means of marketing there goods and sales were limited, demand got limited. But now in a digital world marketers now have the opportunity to market there goods around the globe, with the help of advertisement using the television, radio programmes, newspaper, magazines,billboards.
       And with the emergence of block chain technology different platforms are created to enhance the digital marketing. With the help of the modern television we now see different kinds of product being marketed online. With the help of modern technologies today online vendors deliver nation wide.
  Back in the analog era marketers find it very difficult to market there goods. Marketers made used of the outdoor advertising, where marketers walk from door to door advertising their goods and product but the technology world has made things easy for marketers.
• Tokinomo interactive robots: the marketing robot, brands now use robot to advertise their products. The purpose of this tokinomo robot is to communicate with customers, informing customers about the product, instead of the competitor doing the talking just let tokinimo do the talking.http://sharevideo1.com/v/WlAxakEtSDZBa28=?t=ytb&f=co
• the digital world has made things easy for customers also. I believe there was no money transfer at that time, people made use of their legs (walking) for payment after buying a product. But now customers use digital forms of payment such as flutterwaves, paypal, Bitcoin for international payment. Now the world have a digital currency which can be transfer globally (bitcoin)

  Finally: with the new technology, you pay goods on delivery, and the company carrier will deliver to you on your door step. With the pay on delivery, the scamming rate will reduce, because people have been scammed by the fake sellers online in the payment before delivery system.
[/list]

[Conclusion]

Former European central bank President once said bitcoin is not real, he also said he is against bitcoin, so many people saying there own opinion towards bitcoin. But have you ever thought why?, from my own point of view

• Bitcoin and cryptocurrency are banned in most countries, China, Russia and many more. Because the government is afraid of bitcoin
• knowing that bitcoin is a decentralize currency, the government cannot control and monitor your funds.
• As bitcoin continues to grow most people continue to adopt bitcoin as there currency, the increase population of bitcoin has become global, business owners, traders, now use bitcoin so the government is scared of loosing there value of money. The more people use bitcoin in saving there money the more the government loose control of there currency.
• they see bitcoin and other cryptocurrency as not trustworthy, as the value changes.

   

Conclusion:

Countries ban bitcoin for different reasons, some, the government (president) didn't even know anything about crypto but the financial advisers gave the wrong information or they advise the government wrongly on cryptocurrency.
If the financial advisers gave the right information on cryptocurrency many countries would have adopted bitcoin in their countries. Some of them were trying to prevent their citizens from internet fraudstars and scammers probably because of the previous experienced in the country.

When I got to know about bitcoin from my friend last two month, she told me more about bitcoin, she also said investing in bitcoin is good. And she asked me to invest on bitcoin that it will be of help to me, she said for more guard she asked me to join this forum bitcointalk. And I accepted her request, so I decided to make some research about bitcoin and this forum bitcointalk because it takes a lot to join a forum, after making my research through the help of the internet I decided to create an account and join this forum. And to my biggest surprise the username has been used, so I used another name then it works.
I will be very much happy to acquire more knowledge in the forum. I am also planning to buy my first coins this week.

On October 2008 a white paper document was created by Satoshi Nakamoto, a digital cash that can be transferred, peer to peer with no third member involve.
   As bitcoin continues to grow and everyone gets to adopt and know this knowledge
  Impact of bitcoin in our society today are:

• Bitcoin transaction saves time and stress. It makes transaction fast and safe, most especially international transactions. Bank transaction has failed there customers several times maybe because of network or something else,another example: people collecting money from ATM machine can testify to this, sometimes you will need this money urgently at that particular time but getting to the bank seeing the queue and population not only that the ATM machine will disappoint you, I have been in this situation before where my card got swallowed by the ATM machine. There was a time my country was suffering from money scarcity due to the changing of old naira notes and to get access to your own money was a problem but I can testify people who got bitcoin sold there bitcoin and they lived there normal lives despite the economic situation at that time.
• Bitcoin has also supported in our technology world today, knowing we live in a digital dispensation so bitcoin has also contributed to the development of technology using our phone to transfer digital cash fast and safe
• The help of bitcoin and other cryptocurrency has helped a lot in our society today knowing the fact that bitcoin is not a scheme you go in and make money fast. But beening patient and investing properly will make you forget your sorrows in the long run
• Scam for example scammers are in fiat than bitcoin, some bank workers are also involve in frauding their customers. A lady was living in UK years and was sending money to her Nigerian Bank as savings and from her calculation, she had sent $87206.74 which is equal to #68,000,000 and she came, she saw only #3,000 which is also equivalent to $3 in the account and she sued the bank to court and won the case

You can get the source from here https://www.legit.ng/people/1550378-n68-million-lady-living-italy-saves-n68m-nigerian-bank-account-returns-home-n3k/