Sa tingin ko madami pa din meroong misconception about this one being related to crypto since after my post nakita ko na madami pa din na nag-assume na Coins.ph to Remittance center pa din yung transaction using crypto pero malinaw naman sa FAQs nila na payment gateway lang ang Coins.ph dito para sa Palawan Express. I don't know why they specifically used Coins.ph para sa pagiging channel nila dito for Palawan Express only at hindi nalang DragonPay para sa lahat pero sa tingin ko it has something to do about Coins.ph having a share since kilalang partner sila ng UnionBank. Mali din kasi yung article na binigay assuming the blockchain related itong news na ito kaya panget din na naniniwala tayo kaagad pag walang masyadong research na ginagawa.

When it comes to the Anti-terrorism bill gumawa ako ng thread tungkol dito at malinaw naman yung main point nila is to catch suspected terrorist sa ating bansa. Although ginawa kong topic sa thread ko is about the power of the authorities to freeze funds including our crypto assets malinaw naman na kailangan pa nilang dumaan sa court bago nila magawa ito, freezing of assets isn't an instant thing na kapangyarihan nila, di nila basta basta i-freeze ang crypto mo without yung evidence na involvement mo sa isang terrorist group.



When it comes to the potential of banning crypto use in our country sa tingin ko huli na lahat para dito or at least malabo na ito mangyari? Remember that aside from Coins.ph at Rebit meron na din tayong ibang ibang crypto related companies like Abra and PDAX and several other crypto exchanges na tumatakbo sa bansa bukod dun malaking pera na na-commit ng gobyerno sa CEZA project as well as foreign investments na may mga commitments as well as kontrata na sa economic zone na ito. Yung commitments ng gobyerno natin to boost our economy with the crypto industry alone is enough proof that anti-crypto laws would be highly unlikely to happen in our country, because basically if gumawa sila ng batas about this one alam tinatapon nila mismo yung proyekto nila.

Madami kasing pwedeng involve na tao dito lalong lalo na kung yung CEO nila nag voluntarily step down, European Union Financial Authority has joined in to investigate the billions of Euros worth missing, and also several named banks who denies involvement with Wirecard. Yung ganitong klaseng stunt para ma-pull off obviously several people will be involve within and outside of their company. Pero yung mga makikita natin ngayon I can say na puro hugas kamay palang lahat yan until we can see damning evidence na will completely contradict ng lahat ng sinasabi nila. This is a white collar crime after all kaya madaming investigations na mangyayari from different bodies kaya I would expect na dadami din yung mga lilitaw na discoveries within a short period of time.

Mukhang dumadami na yung butas na nakikita sa Wirecard and it looks like it goes way back sa nangayaring anomalya involving two of our biggest banks.


Sa punto na ito na until now under investigation pa din yung kumpanya madami tayong makikita na baho or mga fraudulent activities nila involving big amounts of cash. Like what others have pointed earlier mukhang mabilis naman malilinis yung pangalan ng BDO at ng BPI dahil na din lahat ng kamay ay tumuturo sa Wirecard. Yung mga ganito kasing white collar crime involving big amounts of cash ay mahirap ng maitago lalong lalo na kapag ang lahat ng bagay ay dumadaan sa audit, they named BDO and BPI as clients of the company pero yung mga ganitong klaseng activity ng isang publicly listed company ay palaging dumadaan sa required disclosures ng Philippine Stock Exchange at wala kang makikitang mention ng Wirecard sa BDO at BPI.

This is the only real option bro, konting point of clarification lang mukhang misleading kasi yung article at mukhang na-highlight lang yung part ng Coins.ph na partner nila ng UnionBank kasi related sa crypto ito pero sa totoo lang hindi sila yung way para makapag cash-out pero channel lang sila para mag-transfer ng crypto to cash sa mga remittance center na ito, basically ang Coins.ph dito is not the main mode kung paano makukuha ng mga papadalahan yung pera nila kung hindi ang mga remittance centers mismo. Nabasa ko na din kasi minsan yung Remittance Centers FAQs nila kasi main bank ko UnionBank at ito yung nakasulat tungkol sa Coins.ph dito.


Siguro naman familiar tayo sa ginagawa ng DragonPay when it comes to processing out crypto payments sa mga e-commerce websites diba? Well ang Coins.ph is parang ganun sa isa sa mga remittance center nila which is ang Palawan, hindi ako sure exactly kung paano proseso dito pero sa tingin ko parang parehas lang kung mag-cacashout or magbabayad ka dadalihin ka sa isang external link for processing gaya ng ginagawa ng Dragonpay so kung crypto yung plano mong ipadala mareredirect ka sa Coins.ph at sa Palawan Express mo pwede mapadala yung pera mo.

Sure you can if you are using old versions of MS Office where the file is saved locally, yung problema ko kasi now sa MS Office ko is connected sya online and sync yung files ko sa account ko na yun anywhere where I will log-in my MS Office account so I won't recommend this to people. Even kahit yung files natin na stored sa isang computer na directly connected sa internet ay may risk din makuha isang malware lang katapat nyan at pwede ng makuha yung mga files natin kaya ko rinirecommend ang offline solution which is ang pagsulat sa isang papel. Or maybe you can store that .xls file sa isang USB nalang at i-delete mo yung file sa computer mo para yun lang ang copy na meron ikaw, although I'm not sure kung mas ok ito para sayo kumpara sa paglista ng email mo sa isang papel.

Yup, walang point na pabilisin natin yung proseso ng pagiging cashless society ang Pilipinas kung ang sariling mamayanan natin ay hindi pa handa sa pag-babagong iyon. I know mukhang disadvantageous na sating mga e-payment users ang kaunting availability ng pag-tanggap ng mga digital payments dito pero palagi naman tayong may option to use our cash if not convert our Bitcoins or withdraw out e-money credits into Peso as compared sa pagiging cashless society natin na mahihirapan ang karamihan at least tayo meron paraan para makapag adjust sakanila. At this point talagang masasabi ko nalang na waiting game nalang ito kung paano mag pro-progreso ang Pilipinas para makita natin ng malinaw kung ano ang developments na matatahak natin dito.

Sa tingin ko yung tinutukoy mo na gold investment scam is yung Emgoldex na madaming naloko na Filipino nung time na ito. Siguro sumikat din ang gold as an investment nung panahon na ito kaya nagkaroon ng pyramiding scheme ito at yun nga ang Emgoldex ay isa sa mga unang nanloko sa mga Filipino gamit ang ginto. Talagang madaming naloko na Filipino dito kasi bukod sa nakakabulag na payout meron din silang dinideliver na ginto sa kanilang mga recruiters para mapanloko ng tao. AFAIK wala naman reported losses ang nangyari nagkaroon lang ng bistuhan nung tinanong na kung may permit to operate ang Emgoldex sa Pilipinas dun lang din nalaman na peke yung kumpanya nila.


With regards to this bill yung proteksyon lang na matatanggap natin is similar na ng ginagawa ng SEC at Bangko Sentral natin which is to regulate companies entering an specific market pero yun nga when it comes to companies na unregistered tas bigla nalang magsusulputan hindi pa ito covered ng bill na ito at ang masaklap nito baka kailangan pa natin maka kita ng biktikma bago pa ma-report yung investment scheme na ito which is typically the case in pyramid schemes dito sa Pilipinas na kung yung tao ay kumikita nakatikom lang bibig nila. So sa tingin ko as a good citizen ng ating bansa we need to always reports shit like this kasi naman tayo din ang kawawa at baka may kapamilya pa tayong mabiktima pag sumikat ito.

I did a little more research kung paano ito nangyari lahat and it turns out mukhang partner ng Binance Charity Foundation ang Satoshi Citadel Industries (SCI) Ventures dito sa Pilipinas and made the charity possible. Binance being a crypto related company paid the suppliers in Bitcoin but was later on converted in Philippine Peso through Rebit.ph and para sa di nakaka-alam subsidiary ito ng SCI Ventures and kalaban ng Coins.ph. Hindi ko alam kung bakit pa may added step na crypto ang payment kung ipapapalit din ng mga supplier into PHP eh di sana nag direct Peso payment nalang sila siguro gawa na din ng dahilan na yung mga natanggap na donations ng Binance is in crypto kaya crypto din ang ginamit nilang pangbayad.


Bukod sa Pilipinas ang Binance Charity din ay mukhang tumutulong sa mga bansa na malubhang na apektuhan ng COVID 19:

Wala naman kasing age limit for stock investing in the first place eh kaya sa tingin ko ang TIN requirement is not that strict for students until now. For adults without TIN until now I suggest that you start visiting your assigned BIR Regional District Office and bring a printed copy of Form-1901 kung isa kang self-employed or mixed income earner if you are an employee it's as easy as calling your HR department and asking your TIN number for the purposes of KYC mas convenient nga ang mga employed individuals kasi yung first company nila ang umaasikaso ng TIN.



Personally I have nothing against with their UI sa pagkakatanda ko nga ng nasa Philstocks ako there was a time that they upgraded their trading platform na sobrang complex and come to the point that their own clients didn't like it matapos ng mga dalawang linggo nag revert back sila sa similar na simpleng platform. Sometimes complexity isn't really what you will be looking for in a trading platform, sabi nga ng mga nakakatandang trader sa mga FB groups na kasama ako na mas boring a trading platform mas hindi ka magiging makulit sa mga trades mo and mostly they are referring to BPItrade's platform.

I believe ang naka-usap mong tao ay isa lamang fixer kasi sa pagkakatanda ko libre lang ang issuance ng TIN ID card ng BIR sa mga respective Regional District Offices nito. If you already have a TIN its as simple as visiting your RDO office and presenting a valid ID identifying your name, the only catch is this valid ID ay dapat isang government-issued ID as well which I think is isa sa mga problema mo. By my experience ang pinaka-madali na makuha na government ID is ang Philippine Post (Philpost) ID which you only need your NSO birth certificate as a requirement when applying for a PhilPost ID, yung maganda kasi na ID na ito is kahit sya yung pinaka madali in terms of requirements recognized pa din sya as a valid government ID by a lot of companies requiring KYC documents kasama na dito ang mga stock brokers and yes ang Coins.ph as well. Also ang TIN ID card isn't as recognized kumpara sa recognition ng Philpost ID.

Yes I read the full test of the memorandum circular at nag-quote lang ako sa digest dahil dito lang pwedeng ma-copy and paste ang text kumpara sa full text file which is on an image format.


The memorandum circular still fails to show how bloggers o kaya ang mga content creators ay kasama sa sakop nito sa pagiging business. Ang pagiging merchant or businessman simply requires them to sell goods and services which they aren't doing kung mga sponsorships na extra pwede pa pero yung ad revenue na kinikita nila paano nila ma-explain na business ito kung incentive lang naman sakanila ng mga content websites na ito. Simple lang di sila merchant or business walang kumo-contact sakanila to buy something from them kasi wala naman silang binibenta in the first place. If they were considered as “sole-proprietors” rather than “self-employed” individuals dito pumalpak si Guballa dahil nga hindi naman sila pwedeng i-consider as business in the first place, nabasa ko na din yung article ng Manila Bulletin at similar lang naman yung sinabi dito at yung article ng Yugatech at parehas pa din ang aking sentimento tungkol dito na si Guballa na nag-dadagdag ng mga bagong batas sa memorandum circular kahit hindi naman ito sakop, this alone will give bloggers a chance in court if kasuhan sila ng BIR.

Let's not argue the fact that the earnings from our signature campaign can be taxed or not dahil kung lumagpas ka sa tax bracket mo dahil na rin sa earnings mo from the signature campaign eh kailangan mo i-report yan at kailangan mo tuparin ang obligasyon mo magbayad mg tax. Pero yung nakakapagtaka dito is baka mali naman ang understanding ni Commissioner Guballa sa sarili nilang memorandun circular dahil ang kino-cover lang nito is businesses at hindi mga individual.


I've literally read the whole file at wala namang binanggit na apektado dito kung hindi ang mga businesses katulad ng mga online sellers, matanong ko nga kayo kailan pa naging business ang maging “blogger” o “content creator”? Oo kumikita sila dito from various ad revenues at additional sponsorships pero hindi mo naman masasabing “business” ito diba dahil individual ka lang dito. You are eother a self-employed individual o isang free lancer na kumikita ng income. By the definition palang ng “business” hindi na pasok ang isang blogger dito kasi ano namang produkto ang binibenta mo? Diba wala? Ang ad revenue in a sense is yung kita ng mga kumpanya sayo like Youtube allowing you to earn incentives sa pag monetize ng channel mo.  Pag-intindi palang ng business at ad revenue ay mali na ang mga binitaw na salita ni Guballa. Also ang termino na “ad revenue” wasn't even mentioned in the memorandum circular itself so sa tingin ko pinapalawak lang ni Guballa yung sakop ng circular na ito which is wrong.

You can always write it down sa isang notebook o anything offline para lang mabilis mong matandaan yung mga emails na ito at kung saan mo siya ginagamit. Hindi ko mare-recommend sayo na ilagay mo itong email lists mo sa mga note apps like Google Keep o Samsung Notes kasi cloud based storage ito at hindi sya safe kumpara sa pag-store ng email list mo na ikaw lang ang may tanging access dito. Alam ko naman na hindi mahirap kabisaduhin yan kasi makakabisado mo naman ito at masasanay ka pag palagi kang nagbabasa ng email. Also when it comes to safety ng accounts I would suggest na basahin mo din yung mga ibang nasabi ng mga miyembro dito kasi itong pag separate ng email ay isa lamang sa mga paraan para lamang ma lessen yung data breach na mangyayari kung isang email lang ang meron ikaw para sa lahat ng gawain.

What happened: So this newbie account is promoting a new crypto exchange offering up discounted prices of several cryptocurrencies below the market price. It first popped out in our local board and as of the moment this newbie is posting it in other boards as well. Aside from the obvious scam prices they also have inserted fake reviews from their website using stock images of their supposed to be customers for their service.


Scammers Profile Link: Komlyanss
Reference Link:
Website [Archived]
Pilipinas Local Board [Archived]
German Local Board [Archived]
Altcoin Discussions [Archived]

FLAG LINK :
https://bitcointalk.org/index.php?action=trust;flag=2045

Additional Notes:


Fake Customer Reviews

This website is using fake customer reviews using stock images found in the web.

Hindi ko alam if ito yung common practice pero I always try to separate my emails depende kung anong klaseng account or purpose ang gagawin ko.

I am using 1 email for each of this group

• Social media accounts
• Subscription based accounts (Netflix, Spotify)
• Custodial wallet accounts
• Crypto exchange accounts
• Business email

Also bukod dun sa sinabi na ng OP ito ang iba ko pang ginagawa

• When it comes to sketchy websites use disposable emails when registering - Alam ko madami ng websites na bago ka makapasok kailangan mo mag-register so the best solution just to be safe is creating a new email para lang makapag sign-up ka ang verify yung account mo.
• Always try to uncheck unnecessary options for receiving additional emails like newsletter or notifications - By doing so so are avoiding your account to be cluttered with trash and spam kung saan ka nakapag-register it's a good way of having a clean email and also lessens the risk na mabiktima ka sa phishing email na similar sa itsura na matatanggap mo, at least pag nakatanggap ka makakapag-duda ka kaagad kung bakit ka nakatanggap nun

Regarding sa TIN siguro swerte na din ako na pumasok ako sa stock exchange na estudyante ako at friendly yung stock broker namin na kahit wala daw tin basta nasa college ka pa din. When I asked kung paano naman yung mga hindi makakapag-submit ng TIN na graduate or matanda na hindi din naman sila pinag-babawal ang gagawin lang nila is iho-hold yung dividends na makukuha mo until makapag-provide ka ng TIN number sakanila.



I don't know the exact numbers pero mukhang mas madami pa ang nasa crypto trading kumpara sa sariling stock market natin. Natatandaan ko dun sa isa kong post at least 17% ng internet users ay may hawak ng cryptocurrencies kumpara naman sa stock market na wala pang 1% ng populasyon ang kasama dito. Di ko alam ang totoong dahilan pero may dati nadin kasing research na yung mga millenials sa South Korea and Japan ay nagte-tend to invest in the crypto market dahil mas mabilis yung price movement dito kumpara sa stock market and baka kasama na din ito sa dahilan ng mga Filipino kung bakit mas madami ang nasa crypto trading kumpara sa sarili nating stock market.

I don't get why na parang bagong bago ang tax satin dito sa Pilipinas eh every since naman nagka gobyerno tayo nagbabayad tayo ng tax. Also sa Pilipinas we do have an Income Tax Bracket na yung mga taong kumikita below 250,000₱ ay tax exempted  nag improve nga ito dahil dati 200,000₱ lang ang tax exempted but now madami ng covered dito especially sa mga fresh grad na sumasahod below 250,000₱. The tax rate will gradually increase depending on your annual earnings kaya sa tingin ko kung tax burden lang naman ang pag-uusapan mas malaki ang binabayad ng mga business owners. The same thing can be said sa mga online sellers there is nothing new about this requirement kasi dati pa naman kailangan nilang maging registered business bago mag-operate also kaya nila kailangan mag-register para na din ma-monitor kung yung obligasyon nila magbayad ng tax ay tama at ginagawa kasi medyo magiging unfair naman sa iba nating kababayan kung sila nakakalusot sa tax pero yung normal na empleyado o manggagawa ay automatic ng nakakaltasan ng tax.

Ito yung latest about sa recent problems about BIR and Online sellers which I think will hopefully clear some things.

BIR to tax only major online sellers

Napag-usapan na din yan dito sa thread na ito ng pahapyaw. Wa;a silang planong taasan yung current income tax rate para sa mga online sellers pero may plano sila bigyan ng tax burden ang mga digital businesses like Shopee, Lazada, Netflix, Facebook, Twitter which yung last three ay kumikita sa Pilipinas pero di nakakapagbayad ng tax dahil ad revenue lang naman ang kinikita nila dito at hindi sila registered business sa Pilipinas. Ang gusto lamang ng BIR is yung mga online sellers natin eh maging registered business at hindi para sila mapasara.

I can see a lot of reasons kung bakit mas madami sa rural areas ng bansa kumpara sa mga urbanized areas natin isa na dito is yung pagiging tourist spot ng mga lugar na ito which for any business will always find away to accept most of the payments the tourist will have, I've visited several tourist spots na din sa ibang bansa at kahit mga provincial areas ito at hindi modernized katulad ng mga siyudad they have atms, small stores na tumatanggap ng credit card payments, as well na din cryptocurrencies kaya siguro madami tayong napapansin na ganito sa mga pronbinsya. Bukod dun medyo ideal na din ang pag-tanggap ng crypto sa mga lugar na ito dahil in some cases yung volume ng tao ay hindi ganun kadami sa probinsya na pwedeng maging maayos yung flow if ever may nag-bayad/nag-transact through crypto payment, pag nasa city ka and yung na-una sayo magbabayad ng Bitcoin expect mo na hahaba yung pila dahil dito.

I think that you may have missed my point, just simply roaming around the forum as an untrusted member leaving feedbacks without any kind of explanation whatsoever wouldn't be enough for anyone to trust you. I mean how can you justify the feedback you have sent without even explaining it somehow aside from using the "comments" part of the feedback. What will you be using as a reference linked in the feedback? Not unless a thread was already created against that person or something already proving his guilt you won't be able to provide any references for your feedback. Creating threads for the feedback you leave is something you need to start doing as not only your hidden feedback will be notice by others but it's main purpose is also to provide an in-depth explanation of your feedback as well give transparency for everyone.

Want more proof on why leaving feedbacks straight up isn't enough? Here is a thread talking about a member leaving negative feedbacks without proper explanation and reference links on why he is leaving them. Also literally all of the flags he have created isn't supported by anyone except him. Simply leaving feedbacks won't really be enough for you to be trusted by DT members here since you won't really be notice by them in the first place.