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Question: Do you agree with idea "Bitcoin bank" ?
Yes
No
I don't know/I'm not sure yet
I don't care

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Author Topic: Do you agree with idea "Bitcoin bank" ?  (Read 139567 times)
BrewMaster
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December 10, 2016, 04:46:21 AM
 #601

People would surely not tend to put up their bitcoin on a bitcoin bank because they will surely prefer to use their own wallet and have the control on their money compare on putting up into a bitcoin bank which is something unusual thing to do snce there are lots of wallets out there to choose from and why we should need the use of banks.

that is right about people who are familiar with bitcoin right now and have made themselves a wallet and also know how to make it secure enough.

but those people who are new and want to start using bitcoin surely prefer a bank, somewhere that is already familiar for them because they have been using them for their whole life.

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December 10, 2016, 06:00:03 AM
 #602

People would surely not tend to put up their bitcoin on a bitcoin bank because they will surely prefer to use their own wallet and have the control on their money compare on putting up into a bitcoin bank which is something unusual thing to do snce there are lots of wallets out there to choose from and why we should need the use of banks.

that is right about people who are familiar with bitcoin right now and have made themselves a wallet and also know how to make it secure enough.

but those people who are new and want to start using bitcoin surely prefer a bank, somewhere that is already familiar for them because they have been using them for their whole life.
I cannot agree more, although we know bitcoin we cannot still sacrifice using banks. Bitcoin is merely an alternative currency but admit it or not we need fiat to carry our daily activities in life, we are not living in bitcoin world alone because we have our life and to survive we need fiat.

We use bank for our savings because we trust it but we risk our money for investment in bitcoin because we believe the future is looking good.

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hase0278
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December 10, 2016, 06:18:50 AM
 #603

Well for me, I am not quite sure if I agree to the idea bitcoin bank or not. If there would be interest in investing my bitcoin there like normal banks do, why not use it I might as well agree with it but if it is also like the old banks where I have to submit requirements and verify my identity to them, then I guess I might disagree with the idea bitcoin bank since bitcoin is created to have anonymity in paying online.

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December 10, 2016, 06:48:20 AM
 #604

Well for me, I am not quite sure if I agree to the idea bitcoin bank or not. If there would be interest in investing my bitcoin there like normal banks do, why not use it I might as well agree with it but if it is also like the old banks where I have to submit requirements and verify my identity to them, then I guess I might disagree with the idea bitcoin bank since bitcoin is created to have anonymity in paying online.
Nothing would change, it's still the same system. I do not really get what it means to have a bitcoin bank when we can save our money in our wallet and transact anytime we want. In the real world, we need bank to do it but with the advent of bitcoin that can be possible to do banking even without bank intervention.

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December 10, 2016, 06:53:41 AM
 #605

Well for me, I am not quite sure if I agree to the idea bitcoin bank or not. If there would be interest in investing my bitcoin there like normal banks do, why not use it I might as well agree with it but if it is also like the old banks where I have to submit requirements and verify my identity to them, then I guess I might disagree with the idea bitcoin bank since bitcoin is created to have anonymity in paying online.
Nothing would change, it's still the same system. I do not really get what it means to have a bitcoin bank when we can save our money in our wallet and transact anytime we want. In the real world, we need bank to do it but with the advent of bitcoin that can be possible to do banking even without bank intervention.
There would be no change and the thing would be still the same infact if banks will adopt bitcoin because its just for money or profit purposes and no other than that since people could always choose or use their conventional wallets and putting up your bitcoin into a bank has no sense at all and you just let the government would know and trace about your bitcoin holdings.

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December 10, 2016, 08:41:07 AM
 #606

I use Coinbases Shift card so I but BTC and use the Visa card anywhere i want. If more of my bills accepted BTC I would set up monthly payments on coinbase. I'll close my 'normal' bank account if/when that happens.

My savings are in a altcoin (NAV) that I like that stakes 5% much better than my banks interest rate.

do i want someone else handling my money? no! do i think someone else can handle my money faster/better? maybe faster, maybe better and even maybe safer, but i do not want to be looking for such a person, because they also have to be trustworthy.   

Let's remain realists

We don't yet have any real Bitcoin banks yet, but people are already using web wallets like Coinbase or Xapo and trusting their money to someone else. How come? Because they don't want to get into all the gory details of installing a desktop wallet and risking losing their hard-earned coins due to a misconfiguration, hardware failure or virus attack. Or they themselves doing something stupid with their wallet and coins

sorry, i do not understand you. you use coinbase to pay your bill if i understood this right and you habe your savings invested in an altcoin that earns you an interest rate of 5%?
for me the important question is: are you in charge of your money or do you depend on other people? can the take your money rightful/unrightful or cut you off?

I can't pay all bills yet. from coinbase.
The altcoins are in my local wallet doing POS Proof of stake. It's kind of like mining. My Balance grows ~5% a year.  No central server to steal from. Of course the coin could become worthless but so can USD. Also this some savings not my life savings or retirement account. some risk but good reward also.
that sounds good and once you can pay all the bills you are free. but what do you do for the retirement plan and you wage? do you not use an account for this? sure altcoin can become worthless, but you always have to take risks. i am not familiar with that altcoin, but do you not have to constantly grow you altcoin amount in order to maintain the 5%? 

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December 10, 2016, 03:12:52 PM
 #607

Well for me, I am not quite sure if I agree to the idea bitcoin bank or not. If there would be interest in investing my bitcoin there like normal banks do, why not use it I might as well agree with it but if it is also like the old banks where I have to submit requirements and verify my identity to them, then I guess I might disagree with the idea bitcoin bank since bitcoin is created to have anonymity in paying online.
Nothing would change, it's still the same system. I do not really get what it means to have a bitcoin bank when we can save our money in our wallet and transact anytime we want. In the real world, we need bank to do it but with the advent of bitcoin that can be possible to do banking even without bank intervention.
There would be no change and the thing would be still the same infact if banks will adopt bitcoin because its just for money or profit purposes and no other than that since people could always choose or use their conventional wallets and putting up your bitcoin into a bank has no sense at all and you just let the government would know and trace about your bitcoin holdings.
I agree. Adopting Bitcoin in local or international bank only cost money and resource. People are smart enough to decide not to listen to the government as well as the bank. They know how to control their own property and money. Bitcoin is created to be used anonymously and can not be traced by any organizations or individual. Furthermore, there is no inflation in Bitcoin and I think there will be no interest if you make a deposit to "bitcoin bank"

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December 10, 2016, 04:53:50 PM
 #608

Coinbase has recently reported that they have almost 5 million wallets. Even if we make allowance for the fact there well may be duplicates, it is still a lot more than half a million active Bitcoin users as of today. But Coinbase is not the only pebble on the beach, there are a few other strong web wallets out there. As to me, there would little difference between these web wallets and Bitcoin banks should they really appear, at least, in respect to trust
On seeing these much success of web wallets, why not we just conclude people are still looking for a banking systm even with their bitcoins.

People are seeming too lazy to understand the core concepts of bitcoin ecosystem and they want bitcoin similar to the traditional banking system or similar to other online payment processing system.

If this type of trends persist, bitcoin banks will be inevitable.

They are not lazy overall

It simply doesn't make sense to get into all these gory details about Bitcoin setup. If there were nothing else but Bitcoin and no web wallets hanging around, folks would have to learn the Bitcoin basics lest they should lose money. But since there are already fiat banks and Bitcoin web wallets, why should they give a fuck about personal wallets? Other than that, ordinary people are not tech-savvy on the whole but wise enough to understand that they might not be able to properly set up and secure their personal wallets
Bitcoin cannot definitely work in a banking system, for a fact that if they do accept Bitcoin, they won't have any use to it. One way on how the banks earn money is by loaning your money. Do you think a person that goes to a bank will request for a loan of a heft amount of Bitcoin? I guessed not because they will have a hard time finding people who will accept that kind of currency.

I don't think also that there is a need for physical bank. Wallets alone can do what banks can do. There will be no use for banks other than the transmitting and cashing out of btc.

Banks earn by borrowing money from their clients and lending that money to their borrowers. At least, that's how Bicoin banks are supposed to work (since fiat banks don't need deposits to loan out money in the first place). And while borrowing money by banks is perfectly possible online, lending is a different story, though. Banks (whether it is Bitcoin or fiat banks) need a real collateral, they wont't be content if you offer them some shit coin as security for repayment the loan...

That seems to be the prime reason why Bitcoin banks cannot be completely online businesses

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December 10, 2016, 05:13:19 PM
 #609

I dont see the big interest into this, at all, soo you wanna centralizate bitcoin, because use a bank will make this happen, you will loose freedom and will be forced to follow their rules, and restrictions, like weekend no transactions. If its interest you searching there is already this service here at the forum as well some reputable exchanges.


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deisik
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December 10, 2016, 05:34:19 PM
 #610

I dont see the big interest into this, at all, soo you wanna centralizate bitcoin, because use a bank will make this happen, you will loose freedom and will be forced to follow their rules, and restrictions, like weekend no transactions. If its interest you searching there is already this service here at the forum as well some reputable exchanges.

What the fuck are you talking about?

Banks in no way can centralize Bitcoin. Purely hypothetically they might accumulate enough bitcoins which could be loosely interpreted as a sort of centralization, but this is hardly ever possible given that Bitcoin superwhales don't look as if they were going to part with their stashes soon. Other than that, no one forces you to use Bitcoin bank services should such services appear in the future

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December 10, 2016, 05:42:28 PM
 #611

I dont see the big interest into this, at all, soo you wanna centralizate bitcoin, because use a bank will make this happen, you will loose freedom and will be forced to follow their rules, and restrictions, like weekend no transactions. If its interest you searching there is already this service here at the forum as well some reputable exchanges.

What the fuck are you talking about?

Banks in no way can centralize Bitcoin. Purely hypothetically they might accumulate enough bitcoins which could be loosely interpreted as a sort of centralization, but this is hardly ever possible given that Bitcoin superwhales don't look as if they were going to part with their stashes soon. Other than that, no one forces you to use Bitcoin bank services should such services appear in the future

Ofcourse no one can force someone to use a bank for storing their bitcoins as long as everyone has their own coins stored in their own wallets, because bitcoins gives us a financial freedom which means we are our own banks, so even if the concept of bank comes into being, we are still the owner of our choices.
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December 10, 2016, 06:13:49 PM
 #612

The main reason why there is a bitcoin bank exist today is because they know that they can profit from it as long as there are people using their platform, it's all about money and business, no more no less.


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December 10, 2016, 06:17:49 PM
 #613

I hate banks i dont want them only bank device where i can send and withdrawal and send money for other things we dont need him because they only scam us because they are mafia and they will never be provably fair.
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December 10, 2016, 06:21:28 PM
 #614

I dont see the big interest into this, at all, soo you wanna centralizate bitcoin, because use a bank will make this happen, you will loose freedom and will be forced to follow their rules, and restrictions, like weekend no transactions. If its interest you searching there is already this service here at the forum as well some reputable exchanges.

What the fuck are you talking about?

Banks in no way can centralize Bitcoin. Purely hypothetically they might accumulate enough bitcoins which could be loosely interpreted as a sort of centralization, but this is hardly ever possible given that Bitcoin superwhales don't look as if they were going to part with their stashes soon. Other than that, no one forces you to use Bitcoin bank services should such services appear in the future

Ofcourse no one can force someone to use a bank for storing their bitcoins as long as everyone has their own coins stored in their own wallets, because bitcoins gives us a financial freedom which means we are our own banks, so even if the concept of bank comes into being, we are still the owner of our choices.

Yes, Bitcoin is all about choice

In this way, anything that adds to the basket of available options shouldn't be discarded just because same options got notoriety when applied to fiat. Bitcoin banking seems to be one such option outright rejected by many folks without giving it a second thought (or a second chance of sorts)

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December 11, 2016, 09:53:12 AM
 #615

I dont see the big interest into this, at all, soo you wanna centralizate bitcoin, because use a bank will make this happen, you will loose freedom and will be forced to follow their rules, and restrictions, like weekend no transactions. If its interest you searching there is already this service here at the forum as well some reputable exchanges.

What the fuck are you talking about?

Banks in no way can centralize Bitcoin. Purely hypothetically they might accumulate enough bitcoins which could be loosely interpreted as a sort of centralization, but this is hardly ever possible given that Bitcoin superwhales don't look as if they were going to part with their stashes soon. Other than that, no one forces you to use Bitcoin bank services should such services appear in the future

Ofcourse no one can force someone to use a bank for storing their bitcoins as long as everyone has their own coins stored in their own wallets, because bitcoins gives us a financial freedom which means we are our own banks, so even if the concept of bank comes into being, we are still the owner of our choices.

Yes, Bitcoin is all about choice

In this way, anything that adds to the basket of available options shouldn't be discarded just because same options got notoriety when applied to fiat. Bitcoin banking seems to be one such option outright rejected by many folks without giving it a second thought (or a second chance of sorts)

I believe the bitcoin "banks" should not accumulate bitcoin because that contradicts the basic nature of bitcoin. These "banks" or financial institutions should rather work on making bitcoin more popular and gather acceptance in the local region in order to teach people about the usage of bitcoin.

Again they should work to provide easy exchange bitcoin/fiat, bitcoin/altcoin and so on. Trading - buying/selling should be made easy through them - but that is not necessary since people can do it themselves as well.

So in a way these "banks" are not like traditional banks.

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deisik
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December 11, 2016, 10:20:40 AM
 #616

Again they should work to provide easy exchange bitcoin/fiat, bitcoin/altcoin and so on. Trading - buying/selling should be made easy through them - but that is not necessary since people can do it themselves as well.

So in a way these "banks" are not like traditional banks.

There are already exchanges and wallets doing exactly that

The advantage of the banks, though, is that you could open two accounts, one for fiat and another for bitcoins, and then you wouldn't need to send fiat to an exchange to buy a few coins paying hefty commissions. In this way, the usefulness of banks consists in closing, or at least minimizing the gap between fiat and Bitcoin. It is almost a given that a lot of people would turn away from exchanges and web wallets to banks, especially long-term investors that don't need to buy and sell bitcoins daily

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December 12, 2016, 07:10:28 AM
 #617

Again they should work to provide easy exchange bitcoin/fiat, bitcoin/altcoin and so on. Trading - buying/selling should be made easy through them - but that is not necessary since people can do it themselves as well.

So in a way these "banks" are not like traditional banks.

There are already exchanges and wallets doing exactly that

The advantage of the banks, though, is that you could open two accounts, one for fiat and another for bitcoins, and then you wouldn't need to send fiat to an exchange to buy a few coins paying hefty commissions. In this way, the usefulness of banks consists in closing, or at least minimizing the gap between fiat and Bitcoin. It is almost a given that a lot of people would turn away from exchanges and web wallets to banks, especially long-term investors that don't need to buy and sell bitcoins daily
Bitcoin banks already exist in some countries. But they are in themselves the same freedom that was dignity bitcoin. I'm afraid that was not worse.

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mogrith
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December 12, 2016, 04:35:37 PM
 #618

There are already quite a few places you can get a Debit card that yo pay in BTC but can use as USD EUR etc. It would be nice if someone offered a credit card with a X BTC limit.

Merge mine BLC+PHO+ELT+XDQ+BBTC+UMO+LIT pool is open http://la1.blakecoin.com tips: 1MogRiTHpQZ7bkpq49cSVWADrTt7Jrghp
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December 12, 2016, 05:01:04 PM
 #619

There are already quite a few places you can get a Debit card that yo pay in BTC but can use as USD EUR etc. It would be nice if someone offered a credit card with a X BTC limit.
If ordinary banks already have the ability to offer the customer a choice between different currencies, including Bitcoin, I do not understand what could be a special bank bitcoin.
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December 12, 2016, 05:10:55 PM
 #620

There are already quite a few places you can get a Debit card that yo pay in BTC but can use as USD EUR etc. It would be nice if someone offered a credit card with a X BTC limit.

I think there are only wallets and online payment processors offering those Debit cards which you can use by depositing bitcoins too, but i don't think that is like a bank, because if you are having a wallet which supports debit cards and you get one from them it is just like you are having your own bank's card.
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