I also lend a part at FRR (in case it spikes) and everything else usually a good bit above FRR. Effectively (considering higher offers not always get taken) I still get more than just lending at FRR which I'd consider the "base line set and forget" solution for beginners (2-3 days FRR Autolend and you'll never have to worry about anything).

Edit:
The problem with just not lending anything below rate X is that it is not too sure if Bitfinex would not still take your money away to "cut losses", even if you had nothing lent out. Do you really trust them that much, after they increase fees (lending fees used to be even lower) by double digit percentages just like that with no prior communication? Also it still is just a balance on an account from an HongKong LLC, not at least your home bank. I usually just lend out for shorter time periods if I don't like the interest rates (and I don't like the current ones very much).

Then take 0.2% and split it 0.15/0.05% for example... you anyways charge far more than 0.2% already since you charge percentages(!) for deposits/withdrawals now as well - as if entering a 5 digint number into your banking form would be 100 times harder than a 3 digit number...

Any updates on what "effectively insured" means, how many millions of USD you can effectively cover etc.?
After all you earn an extra 800 USD added to the 1600 USD you already earn daily for lending interests now. Does this help pay for "real" instead of "effective" insurance by an actual insurance company or just go into your pocket?

Edit:
Looks like we are now paying 50% more to BFX for the chance of only loosing up to ~90%, not up to 100%. Also Bitfinex charges lenders already ~500 times higher fees than traders, previously with no guarantee at all to protect them (or optionally full protection, though with no option for people to actually offer money for the insurance fund), now with ~10% protection at the cost of potentially ruining the platform itself in the process.

Well, lenders just got a 50% fee increase, fewer features and virtually no compensation.

Bitfinex ist in Hongkong ansässig, vielleicht verwechselst du sie mit Kraken?

Ja, etwa ein Jahr

Frag am besten jemanden aus HongKong, k.A. wie das genau dort läuft.

Nein

Einzahlungen: kommt auf deine Bank an, ich nehme an 2-3 Tage, je nachdem wie schnell die nach China/HK überweisen.
Auszahlungen: Ca. 2-3 Tage, manchmal auch schneller, ab und zu auch langsamer.
Bitcoins üblicherweise quasi instant ausgezahlt bzw. 3 confirmations bei Einzahlung.

I got mine, the next ones are due in 4 hours.

http://www.ifex-project.org/

Seems to have fizzed out a bit, but this proposal would allow you to use "BTC", "LTC" etc. while still conforming to a standard.

XRP is the only thing inside Ripple that does NOT do what you want to do. Everything else you describe either exists already or is easily implemented (or can be done in a better way, no need for convincing exchanges to adopt your "stock coin").

You might want to take a good look at Ripple...

Sync is a closed proprietary system. No way I'm seeding anything there or even touch that binary.

Dann gibt es einen Rückstau. Falls ständig mehr Transaktionen anfallen, als verarbeitet werden können, entscheiden die miner welche Transaktionen durchkommen.

Ripple != XRP. The sooner you realize this, the better.

Weil mit den derzeit fix vorgegebenen 1 MB Blöcken nicht viel mehr als 7 Transaktionen/Sekunde möglich sind. Ein Block mit z.B. 10 MB ist kein Bitcoin Block mehr nach aktuellen Regeln und wird weder weitergeleitet, noch lässt er sich in eine Blockchain integrieren.

Open Transaction is (if anyone actually would use it) more similar to the stock exchange system (you list your stuff on certain exchanges and trade there) while Ripple is more similar to the banking system (you connect to a global market).

In OT, you find your trading partner, agree on a server and trade there in high speeds and in secret hidden from anyone else. I'm not so sure how double spends are prevented then, but that is a mere technicality if for example servers talk to each other. I'm also not sure how they fight spam, maybe they just attach a small PoW to each transaction or so (e.g. submit a transaction + nonce that meets a certain difficulty if combined with the TXID) or do something different.

On Ripple you only have this single network you trade on, with the benefit of having the maximum possible liquidity and offer range and the downside that everything has to be public and due to it being a globally distributed system it still takes relatively long compared to what traders in other areas are used to.

Do you post this stuff in any other exchange's announcements too?

How can I transfer Euros with Bitcoin and withdraw the same amount 2 weeks later? How to bridge from Bitcoin to even something like Litecoin?

It would probably just screw over smaller P2Pool miners and drive people to centralized pools who connect directly with each other, not employing such weird rules.

To back this up with some facts:
https://blockchain.info/charts/estimated-transaction-volume?daysAverageString=30 <-- 30 day transaction volume on the block chain.
http://bitcoincharts.com/markets/ <-- there are 4(!) different active closed source centralized purely trust based exchanges that have several times that volume alone, not counting others and not counting the volume that comes from sending money to and from these exchanges. Also not counting brokers like Coinbase or BitPay.

There are still a lot of single humans out there, that own more money than all "BTC" are worth. The process you talk about might very well still take decades, even at current pace. Until then, not disrespecting Bhutan (a great country by the way) might be a nice thing to do.

Following existing standards is not a bad thing to do.

It's a decentralized market place - you take whatever you want to trade there, put it into a storage room of your choice (= gateway) and get a receipt for that, then proceed to trade this receipt with someone else for a recepit of what you want to have and in the end of the day go with the other receipt to a different storage room and get out whatever you bought. You can choose the storage room yourself freely, hell, you can just open one yourself and hope for customers. Also you can go there with your hands full of receipts that you just filled out and signed yourself. This is why Ripple ensures that they are all properly signed by a certain issuer and that you need to state before you trade which storage rooms you trust to actually not just run with the stuff while you're not looking.
XRP would be the stamps on the receipts by the way, which are issued by a single third party and you can trade receipts for stamps and vice versa too if you like. Some people think that makes them valuable and they build huge collections, while on the other hand they were given out in huge quantities for free in the beginning to get the market going. They do have some value from utility, but only inside the market place after all.

But seriously, this argument is the single MOST used against Bitcoin and the typical "argument" why it is so much of a scam, ponzi scheme and whatnot.

Das wäre dann ein Hard-Fork. Lies mal nach, was das bedeutet.