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Had an interesting catch up with a friend. He asked me what is my key points when sharing about Bitcoin, I told him: There is a very thin fine line between investing, speculating, and gambling. For anything money-related here, be it to invest, to speculate, or to gamble, do not use your: Survival money - money you use for daily survival (specifically food and necessities for a living). Reserved money - your safety net to get by at least 3 to 9 months should any accidental incident or scenarios happen. Borrowed-money - debt is a double-edged sword. Never ever be over-optimism and use borrowed-money for investing, speculation and gambling. Big no no. And to date, the best content I have when it comes to Blockchain, Bitcoin, and Money related content, I would still be referring to my very early days documents, shared below: Blockchain, Bitcoin, Money by Koh How Tze (Presentation File) blockchain-bitcoin-money from Koh How Tze Blockchain, Bitcoin, Money by Koh How Tze (Transcript) mblbc-ov...

Blockchain. Bitcoin. Money. People. Process. Technology. To explore Blockchain,  we need to study Bitcoin,  because Bitcoin is the first, proven Blockchain.  To understand Bitcoin,  we need to know what is money  and how it works.  People-centric, lean process  with technology as the enabler. "Why is it a powerful tool for creating regenerative economies?  Because we have this power of smart contracts.  We have this power of programmable money.  You can build the rules for an economy right down at the code level, at the protocol level." ~ Daniel Kelleher, founder of Sunrise Stake Presentation File:  https://www.slideshare.net/howtze/blockchain-bitcoin-money Transcript:  https://www.slideshare.net/howtze/mblbc-oval-debate-kuala-lumpur Related News: Ripple (Custody): HSBC taps Ripple’s Metaco to launch security token custody Ripple (Payment): Ripple, Onafriq partner for new payment corridors for Africa, UK, Australia and Gulf Car...

The United States Securities and Exchange Commission (SEC) has announced that Telegram and the forthcoming GRM token constitute an unregistered digital token offering. While Telegram has the trust from a huge user base and potential circulation economic scale, still, it bumps into that legal barrier, for now. And the key thing is  unregistered. “Is this going to be more of a legislative move or an SEC move? [...] At the moment I don’t know.” ~ SEC Commissioner Robert J. Jackson Jr. The world will sort things out as we progress. Meanwhile in Malaysia, as regulatory provisions evolve, there are some noteworthy domestic experiments and pilot projects on the implementation of blockchain technologies within the wider economy: 1) Securities Commission’s Project Castor for unlisted and over-the-counter markets, 2) Bank Negara Malaysia‘s blockchain-powered trade finance applications together with nine banking partners, 3) the Ministry of Education's initiative to use block...

Thank you friends from social media who shared the post. From 4th Oct 2019 to 5th Oct 2019, the post view grew from 34,225 to 56,792. I have no idea how LinkedIn measure the views but I hope the info I shared do shed some light and provide another angle of view to people on matters related to blockchain and cryptocurrency. The post: A recap for what had been done to date on the Blockchain Insider book project. Chapter 1 : Blockchain, Bitcoin, Money To explore Blockchain, you need to study Bitcoin. To understand Bitcoin, you need to know what is money and how it works. https://lnkd.in/frKstaH Chapter 2 : The Name of The Game If history does repeat itself, you will be amazed by how similar it is the evolution of the blockchain to that of the internet. https://lnkd.in/f9iaCDm Chapter 3 : Smart Money What we have now is truly borderless, programmable money backed by immutable computer systems based on pure logic & mathematics. https://lnkd.in/fcKf...

Blockchains seek to construct more sophisticated monetary policies. While REITs are just one of many types of investment vehicles, and there is an entire galaxy of real estate ventures and investment funds looking to take advantage of distributed ledger technology, in my opinion, specifically nonlisted and private REITs may stand to reap the greatest benefits of tokenization. What does tokenization potentially mean for the real estate sector? Solving the illiquidity discount problem. Firstly, through the utilization of blockchain technology, conventional and highly regulated real estate investment vehicles (like REITs) can operate at unprecedented levels of efficiency by making programmable governance and built-in regulatory compliance possible on the platform and/or the security token levels, as well as by automating cap table and investor management processes. This will, at least in theory, lower management expenses and increase the profits that get returned to investors. ...

Use Cases of Blockchain technology in Energy Sector - Solar Power “In the solar energy sector, decentralized blockchain technology is used in person-to-person (P2P) energy trading, labeling, energy provenance and certification, smart metering and billing, electric vehicle charging and payments, and wholesale power trading and settlements.” Reports published by Fitch Solutions Macro Research and Globadata conclude that over the next decade, decentralized solar technology may replace PV solar farms as the main growth-driver in Japan. Already, a blockchain-enabled solar energy-trading pilot project is set to link 100 solar rooftops of smart, zero-energy homes in the country, while another pilot project will administer an energy-trading marketplace using blockchain to connect a number of Japanese power production facilities with homes, offices, factories, batteries and electric vehicles. Toyota Motor Corp. — which began testing high-efficiency solar cells for electric cars — has join...

Traceability The Bitcoin blockchain serves as a decentralized ledger that allows anyone to follow the transaction history of a particular token with the touch of a button. For example, each Bitcoin carries with it a cryptographically provable history that contains a detailed record of ownership and transaction data associated with the token. Simply put, if a particular Bitcoin has been used to process even a single illegal activity in the past, all of its subsequent transactions will be tainted. This, according to Dave Jevans (CEO of CipherTrace), is one of the main reasons why certain cyber-savvy criminals go to such great lengths to launder their cryptocurrencies before putting them to use.  #VirginBitcoin Full artcile: https://cointelegraph.com/news/virgin-bitcoin-most-in-demand-crypto-that-is-regulated-differently

Tokenizing Commercial Real Estate and the Promise of Liquidity Notes from: Tokenizing Commercial Real Estate and the Promise of Liquidity by Alexander Kanen https://cointelegraph.com/news/tokenizing-commercial-real-estate-and-the-promise-of-liquidity Real Estate Registry on Blockchain: Promise Land or Wishful Thinking? ... none of the existing projects could offer a complex solution to address issues with inheritance, lost private keys, co-ownership, delegation of rights and a bunch of legal issues that arise from blockchain immutability. The only scenario you can find is permissioned decentralized ledger technology (DLT), which is just yet another centralized technology — or blockchain with “smart” applications on top but which are centralized in their core design. ... all peer-to-peer transactions on the blockchain between parties make no sense, as far the last word is on the side of the one who controls the central registry: A centralized system is an antipode to ...

At their core, both technologies are centered around managing and communicating data, though they solve different parts of the puzzle. One of the byproducts of the digital revolution is that we generate massive troves of data from millions of touchpoints every day. #Data AI is designed to quickly collect, analyze and correctly interpret the data, and react to it without any human interaction. Blockchain, on the other hand, is more concerned with the storage and communication of data. Its distributed ledger architecture means that data is stored simultaneously across all nodes connected to the network, and it allows for data to be completely decentralized, making it quicker to access and more democratic. Since every node has access to all the available data, AI becomes less reliant on central storage for processing. #ABCDTheWorld https://cointelegraph.com/explained/blockchain-and-ai-bond-explained

The Smart City Vienna strategy takes into consideration multiple fields that need to be transformed, such as energy, mobility, real estate and others. #ChooseYourPlayground Every single aspect of the strategy has well-defined target objectives in order to provide transparency and a sense of urgency. In total, 38 target objectives are set out until 2050, while different milestones are to be met by 2025, 2030 and 2050. #Blueprint Blockchain is a key factor in realizing these goals. As such, it has been applied to different use cases that pertain to the strategy in one way or another. One of them is the notarization of Open Government Data (OGD) — to facilitate the use of food stamps by local government employees. Electric supplier Wien Energie, which is run by the city administration, has also been exploring the use of blockchain technology for quite a while now, trying to make distribution along its grids more efficient. Last but not least, Vienna is setting up a blockcha...

The press release notes that Bosch is currently worth with energy supplier EnBW to integrate blockchain into the e-car recharging process, as well as with Siemens to develop a smart parking-management system with a blockchain basis. A car that negotiates with charging stations A car that pays its own parking fees

MFSA (Malta Financial Services Authority) MDIA (Malta Digital Innovation Authority) The interest in what Malta is offering for the flourishing of the blockchain industry was quite overwhelming, with the MFSA receiving over 350 notifications from companies that operate in this sector. 1) VFA (Virtual Financial Assets) agents 2) System auditors 3) Bridging between both authorities — i.e., the MFSA and the MDIA - to ensuring the best practices possible for - market integrity, - financial stability, and - consumer protection. To incept the prestige among companies that acquire a Maltese license. A very good sharing by Silvio Schembri, Junior Minister for Financial Services, Digital Economy and Innovation within the Office of the Prime Minister of Malta Read the full article at: https://cointelegraph.com/news/a-landmark-for-the-blockchain-island Guidance Note to The Financial Instrument Test can be found here .

Stablecoins are a new type of cryptocurrency that have their value pegged to another asset. These coins can be pegged to fiat currencies such as the United States dollar, other cryptocurrencies, precious metals or a combination of the three. designed to tackle the inherent volatility seen in cryptocurrency prices. They are normally collateralized, meaning that the total number of stablecoins in circulation is backed by assets held in reserve. Put simply, if there are 500,000 USD-pegged coins in circulation, there should be at least $500,000 sitting in a bank. In December 2018, Cointelegraph reported claims that four major stablecoins had clocked up $5 billion in on-chain transactions within just three months — enjoying a 1,032% surge in November compared with two months earlier. stablecoins are designed to have a consistent price or value over time - delivering a happy medium between offering the stability of fiat currencies and the decentralized benefits that virtual currencies pr...

靠善意赚钱，同时行善兼赚钱。#社会企业 #加密电子货币 可参考 Dogecoin.com 法帝玛的故事 加密电子货币的远大展望并不在于有钱人蜂拥而入，推高价格，而在于穷人能够发现加密电子货币极为有用。 现在我们该探讨比特币最令人振奋的一大计划：让“无银行账户者”获得自由。 2013年9月，李松宜踏上她的第一次现场田野工作，参与反贪贫穷非营利组织世界展会在马利* 的一个影片拍摄团队。 马利马利波时刚经历残酷的内战，北方十室九空，全都蜂拥至南方的难民营。李松宜在那里认识了五个孩子的妈妈法帝玛（fatima）,他们住的“营区”其实更像永久住所。法帝玛的丈夫跟许多马利人一样到象牙海岸当移工，有机会就把钱送回家。而他的做法让年轻的李松宜留下深刻印象。 法帝玛的丈夫是靠人送钱回家。随便什么人，只要是前往他的妻子与家人的方向。法帝玛的家人没有银行户口，甚至没有身份证明。有时侯钱送的到。有时侯送不到。为了添补不可靠的收入来源，法帝玛给人当清洁工。如果还是不够，她年纪大一些的孩子也会去工作。 很重要的一点是，她有手机，一支5美元的传统功能手机。 “我不敢置信。”李松宜说。最后一点最关键。 没有存款账户，没有办法使用银行服务，新与市场的人民（在先进市场如美国，同样也有不少）很难长久累积财富。 这又是造成很多人陷入贫穷的另一个问题。对他们来说，追求其他自由，例如言论自由，都排在解决这些财务和经济难题之后。 比特比玩家猜想，摆脱这些难题的方法或许就在那一支5美元的手机，以及一个全新的行动货币系统。 * 马利是地球上最贫穷的国家之一，在联合国人类发展指数（Human Development index）的一百七十五，超过70%的人口生活在贫穷线以下。该国家要依赖农业，人均所得一年平均为500美元。当地努力提振观光业，但是该国家包括2012年政变在内的乱动历史，逼使像法帝玛那样的人远离家乡，使得观光业难以推动。 37coins was a bitcoin wallet provider headquartered in Sunnyvale, California. The company launched on December 31, 2013, and announced its closing August 12, 2015.[1][2] The comp...

After handling a few book editing and publishing projects, I think it is time for me to come out with my own book. First step, to update my personal profile. Koh How Tze Koh How Tze , an entrepreneur with a Degree of Bachelor of Engineering (Computer) from UTM, Skudai, Malaysia, had been serving clients from retail and servicing industry since the dinosaur age of the internet. He started his career as a programmer working on Web Based Retail Management System, during an era where people are still using dial-up connections with 56k modem (the fastest that time) to go “online”. He witnesses how the ICT industry and the internet grew from DOS based system to the modern days’ mobile system, to what it is today. Serving clients from start-ups to MNC throughout his 20 years career path (since 1997), he understands clearly the in and outs of web-based systems, which he advises, consults and integrates for many of his clients. One of the most successful implementation was a retail chain ...