I took the advice of other users and registered in Fidor.de.

Apparently, they do accept Non-German residents. Through the registration process I got some help because my German isn't good, and the last email was telling me that they'd email me... Which they never did.

Anyway, some time passed and I remembered about all this. I logged into my account and turns out that I just had to do ID verification to complete my registration. They were using a third party service. Some agents were kinds rude but I got through it with the third one. Overall it's not the smoothest registration process but it worked...

The bank seems to have almost too many features and there's no translated version sadly.

I know you're sarcastic, but hell! The thread being self moderated just adds insult to injury... They have the ability to keep the spam under control by deleting trash responses but instead they let the thread balloon above 200 pages... Just proves that all the spam is part of their promotional efforts.

With transferwise's borderless account I think is sending with the user's name bot only for certain currencies. Namely GBP, EUR, USD and AUD. So main currencies should be covered. Source:
https://transferwise.com/help/article/2811610/borderless-account/whats-the-sender-name-on-transfers-made-from-my-borderless-account

Revolut is more complicated though.

I'm of the opinion that people, especially bitcoiners, that get salty of other saying bitcoin isn't a good investment should rethink their reasoning.

Consider this for a moment. Anyone who goes giving investment advice in public, would like to think that he speaks to an audience of potential investors. And they speak of stocks, bonds, real estate. Those investments are known to have some sense of stability and somewhat reliable returns attached to them. People have a low risk tolerance.

People need to understand that when the majority of people speak of investments, they speak of putting in savings and hoping to have sustained returns. Bitcoin is very volatile for the regular working class investor. It's not something to expect viable return from if you can't have the risk tolerance from it.

With bitcoin, the standard is don't invest what you can't afford to lose. And really, what part of your income or savings would you say you're comfortable with losing? If you have to support a household, pay taxes and live your family maybe it's less than 10% even. Some say that 10% of savings is an absolute maximum for investment. And if somebody is investing already, part of the 10% in crypto investments should be even less due to the risk.

When it comes to full time investors, the only cases where there's a case for profits enough to make daytrading crypto worth it is with very big sums. Other than that, I'd say that crypto trading is closer to gambling. Buy it if you like, but if you advocate for it as investment opportunity also speak of the risks.

I reported the Neluns thread in hopes that it would be locked. It's full of bump-spam and the pattern is just too obvious. See my previous thread.
The report has remained unhandled since Nov. 11 and my experience tells me that if a report remains unhandled for more than 48h outside of weekends it usually stays like that forever.

I don't know what it'd take for mods to lock such an awful thread. This thread is one of the most obvious and apparent cases I've seen of spam-bumping practices being utilized.

Maybe mods are trying not to overdo it with deleting such threads because of a mindset similar to:

But what even is enough in that case? 200+ pages of plagiarism and trash posts aren't enough to lock the thread for Neluns? Why not?

Look, in crypto standards, I wouldn't say it's a scam... But in terms of investing, who's going to be held accountable in the event of a mishap? If they are anonymous the risk is on the investor. That's why almost no ICOs are from anonymous teams. They seek the trust of investors to drive action.

I would say that it mostly depends on the wallet. Other than that though, it can be pretty similar in use even among cryptos using very different underlying technology.

For example, Ethereum and bitcoin, you only need the other person's address to send... But the wallet can make it easier in many ways. For example, exchange wallets may allow users to send via username, which makes things easier for some cases.

There are now comprehensive coins that support decentralized exchanges. I think it's this feature that truly is the future. Once internet infrastructure becomes more accessible (ISPs better hurry), the world will be able to get away from the client-server infrastructure and eliminate the element of trust in transactions as much as possible. I think we need networks able to support the core functions of crypto in a decentralized and trustless manner, transactions.

Once the tech is there, developers would take on making interfaces easier.

Ease of use isn't an urgent concern IMHO. Infrastructure is more important than the interface. One needs teams of mathematicians and programmers, and the other a few man-hours of a UX designer.

The investment is that I would say Bitcoin can act as a hedge against the entire FIAT money system. Of course, so long as that system is alive it's a risk and cost of upuetunity to have large exposure on such volatile assets of the rewards aren't going to be sufficient. So hedges for serious investment should be small

How much memory does each card have? The issue with day is that if it surpasses your card, the card is out. At least for that ETH based coin. See here for the current DaG size of ETH and other coins. If not for ethereum, you should be able to use claymore's dusl miner to dual mine other coins based ln DAG.


https://crypt0.zone/dag-file-size/ETH/6700597

Yes, all of those banks have IBAN and most personal too. Unless it is otherwise indicated in the OP at least, I think it'd be safe to say that mist of the mentioned banks should have those services as they are crucial for banking. The OP has been trying to maintain the list updated with this info but as more and more banks are popping up, not all of them are in the thread since the last update.

I don't like neo and I don't think it's a good investment.

It attempts to provide an alternative for smart contracts but it is really expensive to create any contract in its chain. Kinda defeats the purpose if you ask me.

A global currency would likely eliminate the need of cross country war. War has to have a winner for it to have a financial motivation. There are many factors, but in a world where protectionism and Mercantilism would be reduced, nobody would want to create war with a valuable trade partner. It's actually a long-winded academic discussion of whether or not globalization will bring on more peace.

Yup. It's not made for prestigious websites. It's very easy to install, loose rules, and it's possible to use even anonymously but that's about all the advantages it offers in my opinion.

Which ICOs and altcoins would you see as competing? I'd say that all of them are competing with each other in a way or another.

Basically, if a thread is locked, it's position in the front page will be replaced by others. It would be very expensive to drown out the competition this way.

I am not aware of any instance of such framing up until now. But threads with spamming have totally been  getting locked or deleted, at least sporadically. So it's not to day that this couldn't have happened even with current conditions.

But even if it happens under a steciter moderation policy, one can't pay for spamming forever. A respectable manager could temp lock the thread to wait for the spam to end on their own and call to the admins for help, potentially turning the thread to self moderated. If they were the ones that had paid for the spamming , drowning it wouldn't be a concern to them.

There had been too much speculation about bitcoin's origin but this is the most unlikely I think. It tries to paint Bitcoin in a negative light, but to me fails miserably.

What we actually know, is that US authorities did have an active involvement in advancing cryptography. If you try and connect that with Bitcoin (pretty weak connection if you ask me) then congrats detective. But just because part of an open technology Bitcoin used was supervised by authorities at it early stages doesn't mean much.

Look at how many of the accounts in that thread are banned now!
Picking some examples at random:
nelsonwilliam Banned - https://bpip.org/profile.aspx?p=nelsonwilliam
Was posting reply after reply in the thread on his own. See page 198 Archive

redsun Banned - https://bpip.org/profilearchive.aspx?p=redsun
New profile with most of his responses being in spammy topics and many in the NELUNS thread. Archive of his post history.

koctiag - Banned - https://bpip.org/profilearchive.aspx?p=koctiag
Brand new profile also with most of his posts in spammy topics and the NELUNS thread. Archive of his post history.

Do you see the pattern here? They're so shameless in pumping their own thread.
They find, or create a new profile, respond to themselves and plagiarize a few posts, and when banned, repeat again.

Example #1

Here are a few examples of plagiarized comments found on the NELUNS thread (chronological order):

Other thread, same reply:


Example #2


Not NELUNS thread, but spammed in the exact same fashion.

Not NELUNS thread, but spammed in the exact same fashion.



All those accounts are banned thankfully, but it's obvious that those campaigns are utilizing spamming to boost their threads. Perhaps one could draw a connection between the managers of those projects? If not that, at least they're using the same promotional methods with the same spammy accounts and messages.

Admins should lock or delete NELUNS' thread for repeated rule violation by accounts that respond to it, as well as all the threads those accounts respond to.

You're implying that a currency isn't worthy if you can't buy things directly with it? And I also get a feeling that you're limiting that to tangible items too.

Why?

Are you trying to say that getting bricks and mortar shops to accept bitcoin would bring any extra utility to the buyer or store owner?
Look, bitcoin doesn't bring more utility to a real-world transaction than cash would.

Bitcoin is non-fungible, very volatile, and its transactions aren't free.

When compared to electronic means of payment:
Its transaction confirmations aren't instant, payment processing can be costly and custodian payment processing (holding) carries a market risk.

Bitcoin's price is driven by demand. But if you want to buy things with it, it can be sold either in an exchange or hand to hand for hard cash, and then that cash can be utilized for transactions demanding a more commonly accepted currency.

In short, yes, BTC CAN be used as a currency, but it's not very good at that and especially when its price is high (incurring higher fees).
It is instead great to transact value and it's more convenient for it to be used as such.

Please ban Alexbuksh. Posting the same messages.
https://bitcointalk.org/index.php?topic=4517414.msg41130631#msg41130631
https://bitcointalk.org/index.php?topic=4692793.msg42422744#msg42422744

Please ban grigoriy31   bannned

Another, older same comment:

I wanted to give some insight about Ferratum bank:

I recently registered and have been playing with their app. Access to services is app only apparently. But I don't think this bank gets as much appreciation as it should. Not that they're doing glossy advertising for their features anyway. But the feature set offered is impressive to me.

From within the app, you're allowed to create
Savings or current accounts, as well as Term deposits.

Accounts can come in EUR, SEK, GBP, CHF, PLN, DKK and NOK! I checked and I was even able to create multiple accounts in one currency (I don't actually need this and now there's no option to delete )! And there's no maintenance fee.

What's even more impressive is that currency exchange (according to their claims) comes with no fees on top of their rate. This is especially convenient for everyday use because for a small amount, when there's no fee charged, it can make a big difference. I tested and for EUR -> NOK it was even cheaper than transferwise with their rate, at least for amounts around 100 EUR. The rate difference I noticed between transferwise and FerratumBank was less than 1% less favorable in Ferratumbank. So for small amounts, if there's no fee, Ferratum is your best bet.

Also the card, (which I've yet to receive), claims to have no withdrawal fees worldwide!

It seems like they've thought about the majority of things someone working with people and businesses around the world could ask for, and it's all offered at no or very low cost too! I hope it stays that way.
Really impressed so far! It's very nice to see that there's competition in the market for Neobanks.