utk hal ini tergantung sih, biasanya terhitung "point" semakin banyak point, semakin besar pula rewardnya, ada point yg FCFS, ada yanng utk all partisipant.
utk ancaman dr testnet sih hampir tidak ada. karena nilai dari token kita hampir NOL, dan pengamplikasian ketika mainnet pun menggunakan SC yang juga berbeda, jadi kecil kemungkin di hack. karena L1 jaringan baru memakai protokol berbeda, jadi celah keamanan lebih sulit ditembus. utk phrase sih aman, dan pula karena wallet yang digunakan oleh L1 biasanya adalah official partner.

kita bedakan dlu jenis testnet:

#testnet L2 ( sidechain) dr L1 /eth,contoh scroll, taiko dst. tujuannya biasanya memperingan gas fee yang cukup mahal dan mempercepat eksekusi transaksi jika dibandingkan di atas protocol eth.
# testnet L1 alias jaringan utama (contoh testnet L1 yang sukses berkembang menjadi L1 adalah aptos, sui dan sei). utk skrg tesntet yang yang dapat funding cukup besar adalah zetachain.

Sepengalaman saya nih dalam mengikuti retrodrop di jaringan L2 arb, kita "ditugaskan" sebagai user aktif, mencoba berbagai protocol. agar lebih save sekiranya kita masuk di protocol yang official partner, misal di jaringan zksync kita bisa ikut berpartisipasi di syncswap, mute dex, dst. utk dex dan berbagai official parntersip biasanya dev share di website resminya.
namun semisal kita masih ragu. kita bisa scan Smartcontract tsb lewat platform de.fi

utk reward testnet masih berupa spekulai. utk testnet L1 kita dapat reward native token. utk testnet L2 biasanya digabung dengan mainnet ketika sidechain tersebut sudah menjadi mainnet, kita dpet token goverment, karena native coinnya masih eth sbg  gas fee.

kedepannya saya akan mempost beberapa potensial testnet, kemudian akan saya buat juga untuk RETRODROP ( semacam kontribusi user aktif di dalam jaringan ketika sudah mainnet).
cuma kemaren terdapat beberapa problem di kehidupan Real, jadi belum sempat saya update. 

New Testnet : Mode Network




Mode adalah OP Stack L2 yang dirancang untuk pertumbuhan hiper yang secara langsung memberi penghargaan kepada pengembang, pengguna & protokol untuk menumbuhkan ekosistem Mode & @optimismFND Superchain.

Jaringan yang digunakan: Sepoila
Link tesnet: https://galxe.com/mode/campaign/GC9YxUjS63
Faucetnya https://sepolia-faucet.pk910.de/
Website: https://www.mode.network/
https://mirror.xyz/modenetwork.eth/coXFPKoK6CvEXUQfTyTctL3dhr2lzg2TZbseqfYYKoQ

Social media:
Twitter: https://twitter.com/modenetwork
Discord: https://discord.gg/zPych7c2

📖Details:
https://twitter.com/modenetwork/status/1688573251448967168

Bitcointalk Username: 50 Cent
Profile link: https://bitcointalk.org/index.php?action=profile;u=2448969
Post Count: 518(including this one)
btc segwit: bc1qvwt3dawsf6dxd33y0vdrqamaumzav7sa43r8p4
Forum Rank: Full Member
Profile UID: 2448969

Review: https://www.youtube.com/watch?v=SQ7eNkmLyFo
Roobet Username: fiftycent

The news of the U.S. Securities and Exchange Commission (SEC) coming after Ripple continues to have negative consequences for the blockchain outfit MoneyGram distances itself from the company.
International remittance outfit MoneyGram published a press release on Wednesday (Dec. 23, 2020) addressing the nature of its collaboration with Ripple in the wake of the news of the SEC instituting a lawsuit against the blockchain firm. According to the press statement, MoneyGram does not deploy Ripple’s counterparty platform for international payments.

An excerpt from the press release reads:

“MoneyGram has had a commercial agreement with Ripple since June 2019; this agreement represents the use of Ripple’s foreign exchange (FX) blockchain trading platform (ODL) for the purchase or sale of four currencies. MoneyGram has continued to utilize its other traditional FX trading counterparties throughout the term of the agreement with Ripple, and is not dependent on the Ripple platform to accomplish its FX trading needs.”

As previously reported by BTCManager, Ripple partnered with MoneyGram for cross-border payments back in June 2019. Indeed, the blockchain firm also completed another equity investment in MoneyGram in November 2019. However, a year later, Ripple announced the sale of part of its stake in the payment processor.
According to the press release, MoneyGram reminded the general public that it does not utilize the Ripple ODL and that it is not a part of the SEC action.

source: https://btcmanager.com/moneygram-ripple-sec-probe/

any way.
after all, i think "crypto high risk"
but:
defi "super high risk"
DYOR

Investment firm Jefferies trims exposure to gold for the first time in years in favour of bitcoin (BTC).
According to a report by Business Standard, Chris Wood, global head of equity strategy at investment company Jefferies is poised to reduce exposure to the time-tested precious yellow metal in favor of bitcoin.
Specifically, Wood will be cutting the gold position in his long-only asset allocation for U.S. dollar-based pension funds to 45% from 50% and given 5% space to BTC.
However, this does not mean that Wood is no longer bullish on gold. Rather, he said that he will add more BTC to the fund should the premier cryptocurrency drop significantly from its current price range.

“The 50 per cent weight in physical gold bullion in the portfolio will be reduced for the first time in several years by five percentage points with the money invested in Bitcoin. If there is a big drawdown in bitcoin from the current level, after the historic breakout above the $20,000 level, the intention will be to add to this position,” Wood wrote in his weekly note to investors, GREED & fear.

From its March 2020 low, BTC has surged a mammoth 474% and has risen 214% year-to-date (YTD), according to data.
Similarly, the CIO of global investment firm Guggenheim Partners recently spoke to Bloomberg opining that bitcoin should be valued at $400,000.

source: https://btcmanager.com/chris-wood-jefferies-investment-firm-exposure-gold-bitcoin/

more whale's will coming. covid-19 make some positive effect for digital payment, and we will see btc on the top.

i think so many defi user here.
but eth must make a some respect for bsc. are you sure for this?

Scott Minerd, Chief Investment Officer of the Guggenheim Partners, a global investment firm that manages over $230 billion worth of assets, said in an interview with Bloomberg that Bitcoin should be valued at $400,000. According to Minerd, there are factors that create a bullish trend for Bitcoin such as its scarcity and the Federal Reserve’s move to print more money.
According to Minerd, the scarcity of the coin, coupled with the Fed that is printing more money, are factors that will continue to push Bitcoin towards $400,000. Minerd gave this comment at the time when Bitcoin breached the $20,000-level. He further states:

“Bitcoin has a lot of the attributes of gold and at the same time has an unusual value in terms of transactions.”

Minerd had also said that most of Guggenheim’s portfolio has been allocated to Bitcoin already, starting when the coin reached a value of $10,000. However, he believes that increasing allocations at the current price trend of the coin can be a “little more challenging.”
Guggenheim is considered as one of the first institutional investors to have allocated a portion of their portfolio in cryptocurrency assets. Just last month, there have been reports that Guggenheim has moved to reserve the right to invest $5.3 billion from their Macro Opportunities Fund into the Grayscale Bitcoin Trust. This trust is only invested in Bitcoin.

source: https://btcmanager.com/bitcoin-400000-cio-230-billion-guggenheim/

Roobet Username : fiftycent

Review's Video Link : https://www.youtube.com/watch?v=yuIapPvx1DY

Quontic Bank becomes a pioneer FDIC-insured financial institution to launch a Bitcoin rewards checking program, as announced yesterday in a press release by PR Newswire.

According to the announcement, users of this reward system would have access to surcharge-free ATMs, ApplePay, GooglePay, SamsungPay, and Zelle peer-to-peer payments at no cost. In addition, customers would also be able to earn at least 1.5% back in Bitcoins on any eligible purchases they make with their Quontic debit cards.

The bank is working with NYDIG, a Bitcoin specialist firm that would act as the custodian of the crypto asset. The bank would also be working with FIS to build a mobile app that would keep track of such Bitcoin rewards. It is expected that the app would be launched by the second quarter of 2021.
This reward system was subject to the approval of the U.S. Office of the Comptroller of the Currency (OCC). Earlier this year, the OCC had allowed banks to provide custody services for crypto assets in the country. The acting Comptroller of the agency has also hinted that more crypto-friendly policies could be on their way after the President Trump administration.
The CEO of Quontic, Steven Schnall, has said that Quontic’s new reward program is an innovative product in the traditional banking industry.
It is expected that the reward program would, currently, only be in states that NYDIG operates in. This means that the rewards are only presently open to people in Alabama, Arkansas, California, Maryland, Massachusetts, Missouri, Montana, New York, Pennsylvania, Utah, Wisconsin, and Wyoming.



source: https://btcmanager.com/quontic-first-fdic-insured-bank-launch-bitcoin-rewards-program/

Uniswap is the largest DEX in the world.
According to trackers, the exchange, on average, registers over $300 million in daily trading volumes. On Dec 14, Uniswap posted daily averages of $343.8 million.
Coincidentally, the uptick in trading volumes is at a time when there is an observable change in the trend of total value locked (TVL) in DeFi.
On Dec 15, there were $14.9 billion of digital assets under management by different dApps. A majority is locked in Maker, but Uniswap added 7.4k ETH on the last day.
At this rate, the exchange is the most dominant, drawing more volumes than competitors like Bancor, Ox, Sushiswap, and Curve.
DEXes form a big part of DeFi.
The absence of KYC and the incentives created by project creators mean there is more benefit in trading via trustless swapping protocols.
However, innovation in the space has seen an increase in the use of a stablecoin, DAI, and other alternatives, which algorithmically brings the stability of fiat to crypto.


source: https://btcmanager.com/uniswaps-trading-volumes-50-billion-eth/

South Korea’s healthcare sector is seeing an increase in blockchain adoption as practitioners pivot towards virtual contact with patients amid the ongoing coronavirus pandemic. From the handling of clinical research data to patient information, the novel tech is experiencing utilization in South Korea as stakeholders prioritize privacy and efficiency within the industry.
The 2020 Blockchain NIPA conference in South Korea set the stage to showcase the increasing deployment of decentralized ledger technology (DLT) in the country’s healthcare arena. According to a Dec. 15 report by The Capital, several panels at the event offered evidence of significant blockchain penetration in South Korea’s health sector amid the scourge of COVID-19.
Appearing during the conference organized by the National Agency for the Promotion of the IT Industry (NIPA), Paul Park, CEO of South Korean blockchain outfit FLETA presented a real-world data (RWD) clinical research data logging project developed using blockchain technology. Back in June 2019, FLETA secured a $3 million grant to develop a proof of concept (PoC) for the platform.
Park also revealed that FLETA also utilized Chainlink as well as partnerships with medical centers in the country to catalog and analyze nine years of clinical data of patients with diabetes. South Korea reportedly has over 3.6 million people suffering from diabetes, a major COVID-19 mortality risk factor. FLETA’s blockchain RWD will run in concert with the company’s other clinal DLT-based project eCFR.
Outside South Korea, COVID-19 has also shaped the utilization of blockchain technology in the health sector. In October, IBM announced plans to tackle the pandemic using protocols based on the novel tech.


source: https://btcmanager.com/blockchain-adoption-south-korea-health-sector-covid-19/

Analysts at Wall Street Banking giant JPMorgan are predicting an increase in institutional Bitcoin (BTC) investment from insurance companies and pension funds. In recent months, BTC has become something of a coveted investment vehicle on Wall Street with several publicly-listed firms electing to hold the largest crypto by market capitalization as a treasury reserve asset amid fears of further currency debasement.
According to Bloomberg, the recent Bitcoin investment by US Insurance giant Massachusetts Mutual signals growing BTC interest by a vast selection of institutional players. As previously reported by BTCManager, MassMutual put up $100 million to buy Bitcoin earlier in December.
An excerpt from Panigirtzoglou’s analysis reads:

“MassMutual’s Bitcoin purchases represent another milestone in the Bitcoin adoption by institutional investors. One can see the potential demand that could arise over the coming years as other insurance companies and pension funds follow MassMutual’s example.”

“MassMutual’s Bitcoin purchases represent another milestone in the Bitcoin adoption by institutional investors. One can see the potential demand that could arise over the coming years as other insurance companies and pension funds follow MassMutual’s example.”

Source: https://btcmanager.com/jpmorgan-600b-institutional-investment-bitcoin/

Are you believe that??

Economist Raoul Pal says Ethereum’s (ETH) probable adoption as programmable money may see it becoming the largest cryptocurrency by market capitalization, overtaking Bitcoin (BTC) within the next ten years. At such a time, several blockchain networks may account for a larger share of the global financial markets as digital assets become more mainstream.

“My hunch is BTC is a perfect collateral layer but ETH might be bigger in market cap terms in 10 years for the reasons above. Money and collateral is just the base layer. Everything builds on top. The store of value is collateral, the trust layer and exchange of value is bigger.”

Pal dismissed the “one blockchain to rule them all” argument, insisting instead that different networks will carve out niches for themselves in the global business process. For Pal, Ethereum is better placed to capture areas like the $1.2 quadrillion derivatives layer, the $70 trillion equities arena, and the $260 trillion debt market.
the DeFi market has seen significant growth in 2020 with numerous protocol launches since the start of the year. According to DeFi aggregator Defipulse.com, the total value locked (TVL) in the DeFi market now stands at almost $14 billion.
Commenting on the need for a broad-based assessment of value across the digital asset (DA) space, Pal argued:

“This is why I care about the entire DA space. There will be many enormous winners, many failures, many scams, many false dawns but in the end, trillions and trillions of value will accrue across digital assets, tokens, protocols and crypto that tie all of this together.“


source: https://btcmanager.com/ethereum-bitcoin-market-cap-10-years-economist-raoul-pal/

The Massachusetts Mutual Life Insurance Company–a 169-year-old insurance firm that generated $28.6 billion in revenue in 2019, has bought $100 million of Bitcoin from its general investment account, the Wall Street Journal reported on Dec 11
n endorsement of Bitcoin, MassMutual joins other public companies, including MicroStrategy and Square, that have invested a significant amount of money in the digital asset.

The insurance firm only invested $100 million from the otherwise $239 billion it has on its general investment account. It could be an insignificant amount but goes on to demonstrate that Bitcoin is maturing and is safe. It is a diversion from previous interpretations where Bitcoin viewed as a money-laundering tool.
MassMutual has also invested $5 million in the fund manager for a minority stake. While not mentioning any names, the CEO of NYDIG also said other insurance companies have been buying Bitcoin from their general accounts.

The CEO of River Financial–Alexander Leishman, took to Twitter saying the entry of the insurance giant is the “biggest stamp of approval yet.”

“By investing in Bitcoin, MassMutual has effectively signaled that Bitcoin is considered safe and liquid enough for the largest, most conservative institutions in the world to make an allocation.”


Source: https://btcmanager.com/us-insurance-28-6-billion-100-million-bitcoin/?utm_source=onesignal&utm_medium=push&utm_campaign=push%notification

WHAT NEXT???

Roobet Username : fiftycent

Review's Video Link : https://www.youtube.com/watch?v=fiwJYZwuiVs

Thank you for letting me to take part.