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Wenn man die Paperwallet erst im Nachhinein aufladen würde könnte man Escrow auch gut umsetzen (Annahme bestätigt - Escrow lädt wallet auf). Die Post würde in diesem Fall zur Falschgelderkennung, Überweisung + Chargebacksicherheit dienen (kann man Geld bei Nachnahme zurückverlangen!?) und 4-5€ sind dafür ja nicht so wild. Man könnte sich ja auch die Kosten mit dem Käufer teilen.
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I guess there should be an "insure if possible" option next to an "always insure" and "never insure" button when (auto-)lending.
"Always insure" would only open positions that could potentially be insured and reduce the open positions if there is not enough in the insurance fund.
"Never insure" would work just like right now.
"Insure if possible" would open positions and try to insure as many as possible of them, if the funds run out it would continue uninsured.
I still wonder about open positions too, with the 3 preferences however people could post as many open positions as they want and they would become available/visible depending on available insurance funds. You could for example open a 1000 USD 4000% "Always insure" offer that would be only visible then if there are actually 1000+ USD available in the fund.
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Would it be possible to also pledge (5 digit+) USD amounts for this "reserve fund" and also get 5% of fees for that?
I was wondering about doing this too, but is there any added benefit? Since you are now taking the risk of the loans getting wiped out and you are getting a lower % then if you just had the money lent out yourself directly insured or uninsured. My reasoning was that I don't have to care that much about making sure my loans are actually filled (in case there is more demand than supply for insured loans). Also people taking insured loans might look to have higher than average/VIR returns to make up for the difference a bit, so I guess there would also be a bit higher return than just 5% of VIR. What I would still find interesting is how a lack swan event would be dealt with: Example: 100k USD are right now at risk, the market takes a sudden 60% nose dive and trades are executed far too late --> 100k potential USD are turned to 40k real USD, a loss of 60k USD. There were 20k insured loans, 50k in total in the "insurance fund" and 80k uninsured loans. I would think that it works like this: The lenders of the 20k insured loans get back 8k USD from Bitfinex + the remaining 12k USD from the insurance fund. The insurance fund now holds 38k USD and insured lenders are happy. The lenders of the 80k uninsured loans get back 60% less from Bitfinex and 0 USD from the insurance fund --> 28k USD in total. ^^^ Is this example correct? Would Bitfinex still try to cover some funds out of good will or because it maybe was partly their fault too? Might insured loans instead be fully covered only from the insurance fund (50k --> 30k USD and the 80k lenders receive 40k USD instead of 28k USD)? |
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Becoming an entity that is creating funds that can be converted to and from real-world currencies is something where a LOT of scams can/will/did happen. Beyond simple vouchers/gift cards there's a lot of regulations on that. check your local bank regulation website (e.g. FinCen) for more info.
Agreed, but extending trust to your friends would be much less problematic. I don't see anything problematic there. Yes, as long as it stays very small, it might (IANAL!) not be an issue. It might be too much hassle though to issue new IOUs for every book that you lend to somebody, each hour of work you help your parents or for that 10 bucks a friend borrows from you to pay for a pizza... To exchange USD to BTC on Ripple however means that you need highly trusted and accepted USD and BTC IOUs respectively (e.g. from MtGox or Bitstamp, not from a single user on this board). This most likely will be provided by a regulated entity. |
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Was machst du, wenn du ne Blüte erhältst?
Woher weiß der Versender, dass du nicht einen falschen 500er einfach schon vorbereitet hast und dann behauptest du wurdest betrogen?
Wenn du zuerst BTC sendest ohne zu wissen, ob da wirklich echtes Bargeld drinnen ist und nicht nur ein Zettel aus dem Kopierer gibt's früher oder später Probleme...
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CFD klingt aber als würde man auf den Wechselkurs wetten, nicht dass man Bitcoins auch wirklich erhalten kann.
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Es gibt schon Verfahren, die sind aber teils nicht gern gesehen oder funktionieren nicht zuverlässig. UPnP ist das Protokoll, das für sowas vorgesehen ist.
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Ripple gateways would be e-money dealers which are already existing, have known regulations and requirements concerning audits, full reserves etc. Bitcoin exchanges don't.
Why do you say this? I thought anyone who runs a ripple server can act as a gateway, with varying levels of success in interfacing with the traditional financial system. Becoming an entity that is creating funds that can be converted to and from real-world currencies is something where a LOT of scams can/will/did happen. Beyond simple vouchers/gift cards there's a lot of regulations on that. check your local bank regulation website (e.g. FinCen) for more info. |
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Why not openexchangerates?
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Would it be possible to also pledge (5 digit+) USD amounts for this "reserve fund" and also get 5% of fees for that?
Edit: Answered via PM, thanks. TL;DR for me: Possible, but too risky for me right now.
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Ripple transactions. If you feel adventurous you can also try to use them as currency, but I wouldn't recommend that.
I meant ripple in the sense of "the ripple system", not XRP.
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Maybe in the future they will also allow their Users/Uploaders to add Bitcoin addresses to their profile for tipping.  |
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Yes, theoretically it is possible, practically they need to negotiate probably with these exchanges (it might look like a HUGE bot and maybe even a DOS attack to the exchange) and also they need to verify accounts I guess. Also they need a trading bot for these additional exchanges in the background that needs to be tested/verified. This takes time on both Bitfinex' (code changes) and the exchange's (verification) side. They wanted to announce something soon(tm), so I guess there will be at least another alternative to MtGox in the making - I hope for Bitstamp because that would allow me to withdraw to Ripple via a few steps. |
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They won't increase XRP count because they don't need to currently, they don't want to hurt trust/reputation they earned and because I say so... And the same kind of monkey business will be away from your all decentralized and open network, because...?
See my next line that you quoted. Ripple gateways would be e-money dealers which are already existing, have known regulations and requirements concerning audits, full reserves etc. Bitcoin exchanges don't.
What's preventing all the bitcoin exchanges from jumping in? Who is going to stop them from doing so? More importantly, the possibility that they can be submited to an aproval process is the problem. I thought we were trying to fix the problem of needing to trust many people. My bitcoins are just there, they're just a piece of information that only I have access they are protected from theft by the laws of physics, not because I trust somebody. MtGox is dealing with it's crappy trade engine, approving people, withdrawal limits and whatnot - I guess they have other priorities. Bitstamp already uses and supports Ripple, others probably will follow. Ripple is also rather a competitor to BitInstant, Dwolla etc. by the way. I guess Bitcoin exchanges, especially considering them dropping like domino pieces after MtGox went down last week, currently just have other priorities than jumping on board early on a beta project that might even cause them some trouble in their business and that needs to be evaluated + secured well. Also I don't know what's happening in the back already... I submitted a statement to bitbet.us, so maybe you can bet soonish that there actually will be more than 100 billion XRP issued before the source code for a Ripple server is published.  |
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Eventuell (wenn man dem Postmann vertraut) kann man ja auch einen private key "auf Zeit" verkaufen:
z.B. "ein private key for 10 BTC, der von mir am 1.7.2013 geleert wird"
Damit würde man vielleicht eher sicherstellen, dass der Empfänger wirklich auf seine eigene Adresse transferiert und nicht einfach den Key importiert. Man behält einfach eine Kopie vom Key und kann sogar schon eine Transaktion erstellen + broadcasten, die das automatisch an diesem Datum transferiert, falls der Empfänger das Geld nicht vorher anrührt.
Man vertraut da dann aber eben der Post (DHL), dass das Geld wirklich überwiesen wird. Sollte aber vermutlich angenehmer sein, als seine Adresse anzugeben und da Bargeld hingeschickt zu bekommen... k.A. ob man bei Nachnahme(-briefen) da überhaupt eine Absenderaddresse angeben muss, im Postamt werden sie zwar etwas komisch schauen, wenn du einen Zettel um z.B. 2k EUR Nachnahme versendest und sagst es is egal wenn er verloren geht aber vermutlich wäre das die praktischste Möglichkeit. Du hast dann auch noch die Annahmebestätigung und kannst dann sobald die angekommen ist die Paperwallet "scharf" schalten.
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No, it can NOT be increased past current limits without consensus from the Ripple network. Currently this is only OpenCoin, in the future you will be able to run your own Ripple server and enforce the current limits of XRP just like anyone running bitcoind enforces the 21 million BTC limit.
BTC24 was/is on the same "professionalism level" as bitcoinica...
Ripple gateways would be e-money dealers which are already existing, have known regulations and requirements concerning audits, full reserves etc. Bitcoin exchanges don't.
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Paperwallet (notfalls sogar unaufgeladen) per Nachnahme klingt ja schon mal ganz brauchbar - sobald zugestellt (oder erst wenn bezahlt?), die BTC überweisen und der Empfänger kann die gleich mit dem Private-Key an sich selbst weiterversenden.
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19.4. war gestern, welches Datum gilt da jetzt ("nächste Woche...")?!
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You can get free ones in the giveaway thread or buy just few (1000 XRP last for a LONG time!)
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Gibt übrigens auch Gratis-Testnetcoins - einfach mal nach "Testnet faucet" suchen, falls noch jemand das Problem hat.
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