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Are there any bitcoin atm in Toronto Area?

In April I'll be traveling to Toronto, Canada and I'll be taking some dollars with me. I just want to know if there are some place to withdraw emergency fiat.
submitted by eddyantonini to Bitcoin [link] [comments]

r/Bitcoin recap - August 2019

Hi Bitcoiners!
I’m back with the 32nd monthly Bitcoin news recap.
For those unfamiliar, each day I pick out the most popularelevant/interesting stories in Bitcoin and save them. At the end of the month I release them in one batch, to give you an overview of what happened in bitcoin over the past month.
You can see recaps of the previous months on Bitcoinsnippets.com
A recap of Bitcoin in August 2019
Adoption
Development * Bitcoin Core Developer Andrew Chow is straming his code tests on Twitch (7 Aug)
Security
Mining
Business
Education
Regulation & Politics
Archeology (Financial Incumbents)
Price & Trading
Fun & Other
submitted by SamWouters to Bitcoin [link] [comments]

Is a job at Mrida Tech a scam?

I applied to a cashier job on indeed to mrida tech and was contacted last week for a job. They said they will offer me a full time position and it'll be $18/hour only thing is the job is that I have to have cash depositing into my bank account and then I withdraw the cash and to buy bitcoin and send it to someone.
link to job description
Receiving payments Withdrawing cash from the bank account Exchanging cash using crypto currency ATMs Improvement of the invoices processing efficiency Performing reports
At first it sounded super sketchy and then more and more after getting multiple email from people I guess it sounded somewhat legit. Doing some digging I found they are based in Canada and I am in canada
https://www.can1business.com/company/Mrida-Tech-Inc
I couldn't find a picture of their store on google maps (not sure if I can post their address but its in the link above)
On their website they said
Mrida Tech Inc. was founded in 2001 and it has been showing steady growth ever since, attracting professionals and clients from all over the world.
Naveen Yarlagadda, the founder of Mrida Tech, always pays great attention to the needs of customers and stick to high corporate standards. This approach allowed our company to acquire such large customers as Sony, Adidas, Chanel, and many others.
We offer comprehensive one-stop solutions including Mobile Computing, Logistics and Warehouse Management, Industrial Automation, Barcode Labeling and Printing, RFID, Shop Floor Management, Custom Software Development and more!
Today we have more than 120 staff members working both in the office and remotely around the world.
To find out more information about us, our missions and values please visit this page: www.mridatech.ca/about-us
Super vague and I can't even find a wikipedia page, twitter, facebook. No history of their CEO or their socials. Legit nothing but a website thats it.
They sent me a document to sign and heres some pics of it
1 2 3 4
this one is the last one that they sent to me
5
Also pics of the emails
1 2
Im supposed to start "work" monday and before I was like okay this makes sense but after doing some digging on reddit Ive found out people being offered a similiar job and then getting fucked over by the money sent via the e-transfer which is linked to a stolen bank account and the transfer is reversed, leaving the me the victim with a negative balance of however much. I just wanna know if this is a scam before I put myself in a more of a shittier situation than I am rn. I just quit my job and im legit surviving on ramen and I need money fast. Like I can't even get a job at mcdonalds FFS
also i gotta get up at 9am for this shit so if its a scam imma be PISSED af. also i sent a picture of my ID,address,phone#, postal code and full name like a dumbass for inb4 identity theft 😭
submitted by OzilTheMaestro11 to Scams [link] [comments]

I'm an Identity Thief and I Want My Identity Back [Part 1]

Found this on a darkweb forum. It was posted only yesterday, and I thought you all might find it interesting. Fair warning, there's supposedly more to come, according to the comments on the forum, so this isn't an all inclusive post. I decided to paste it here in real time as it was posted instead of waiting until they were done putting it all online.
From here on out, this is a direct copy-paste of the post, plus some formatting for Reddit.
 
 
I fucked up. Badly.
My whole life has been a great, big fuckup, but this really takes the cake. I'll be dead soon, so it can't get much worse.
My name is Michael Kay, also known as Neale Keaton. If you're running your little bots trying to find my name, it'll match this post. Hello, my little darkweb stalkers.
I'm about to give you my version of events. I'm about to show you that you're being played like the gullible little basement dwellers you are.
So sit down, go fullscreen, and read this through to the end.
Because I think that by the end, you'll see things my way.
 
I'm an identity thief. Have been for four years. When I got out of the military, I couldn't adjust back to "normal" life. I got stuck in the same cycle that other vets do.
No job, living on savings from my military income, and trying to kick my drinking habit.
After almost a year, I came to a brutal conclusion that is the reality for many people in this economy: my identity wasn't worth shit.
I was only a few months away from homelessness, had no prospects at a job, and was lacking in the social etiquette needed for dating. I was an only child of two only children. Grandparents were all dead, and my parents... well, I wanted nothing to do with them. They were the reason I joined the military and left home at 18.
Again, my identity was shit.
But, my drunk and sometimes high brain had a thought that kept repeating itself.
What if I were someone else? Someone with a good background. Some work experience, proof that I was a good employee, maybe even a degree.
In the military, I got to share a training ground temporarily with some of the boys heading into the Army Cyber Command. We got a few chances to swap stories, and they talked about the things they were learning. One guy was especially cocking about how "good" he was at navigating the darkweb. He regaled us with stories about finding illegal identities and firearms online before he even joined the military. He told us that the darkweb was full of everything you'd need, legal or illegal.
With that memory in mind, that's who I turned to.
In a move that further diminished my savings, I bought myself a nice identity off the darkweb. A driver's license, social security number, the works. It came with years of taxes being paid on-time, and some falsified work experience. If I paid extra, the people I bought it from would even pick up the phone when the prospective employer called and recommend me as a good employee. They had a fake website for the company and everything.
They even told me that their services were geared towards people like myself. Those unfortunate enough to have a bad identity. People who just needed the leg up of a trustworthy social security number.
And it worked.
I followed their guidelines, and true to their word, I got a job. From my Bachelor's degree in Business Management, I landed a position as a store manager for a small retail chain.
During the day, I went to work and pretended I knew what the hell was going on.
At night, I got a couple of dated self-help books from the library so I could make it look like I knew what I was doing with all the spreadsheets, scheduling, profit and loss statements, and anything else I was given.
I worked hard. I didn't sit on my ass and let my identity carry me. I worked to earn what I'd been given, and it was the only way I could live with what I'd done.
I was told that the identity was from a child who had died at birth, yet the social security number had not been discarded. The people I bought it from had "raised" that social security number. They hacked into school databases and inserted their name and grades, and did everything they needed to make the kid look like he'd grown into the man I was.
Or rather, the man whose shoes I would step into.
That identity saved me.
But good things can't last forever.
 
While the identity gave me a second chance, it didn't give me good money. The job was good enough to subsist on, but after a year and then two years, I found that I was unable to save anything. At the rate I was going, I'd be working until I was 65 years old and yet have nothing to show for it.
Once your basic needs are met, higher needs come into play. I learned that while reading books about business. Books about how to understand your customers. Even if all their basic needs are met, people are never satisfied.
We crave purpose. We crave something higher. Something better. All the time and always. No matter how high you go, you'll always find something more to want.
The same psychology that has been plaguing humanity for thousands of years, affected me.
I didn't want to be a store manager my entire life. But I also wasn't sure what I wanted.
So, I explored. I read even more books. I'd never read that much in my life, but I was on a mission. I was searching for something, some kind of meaning. I'd been given a second chance, and I wanted to do something with it. But I had no idea what it was.
My first wrong decision, which led me to where I am now, came during work. I was manning a register while one of my employees took a break, and a customer left their debit card behind. I didn't notice it until a few customers later, when one held it up and said "I think someone forgot this."
I took it, stuck it in the bottom of the cash drawer, and thanked that customer.
My employee returned, and I went back to my office to work on more spreadsheets.
At the end of their shift, the employee, whose register I had taken over, brought me the card. I told him I'd take care of it, and took it for safekeeping.
As I turned it around in my hand after he left, my brain started to run things over in my head. I had questions.
What was to stop me from sliding this card through the card reader at a register, choosing to process it as a credit card, and withdrawing cash? Who would know? How would they trace me?
The store didn't have cameras. We were in a good enough neighborhood that my superior had decided not to pay for them.
So, in all seriousness, who would know?
Nobody.
 
My plan was devised while sitting in the office.
It was just past lunch and time for a couple more employees to take breaks. I walked over, card in my pocket, and told the cashier that it was their time for a break. They happily walked to the break room, and I slipped into their place.
The other cashier and I worked through a couple more customers, then we had nothing to do. The store wasn't busy during this time.
I told the other cashier to take some returned merchandise and enter it into the inventory computer in the back. They obeyed, and I had my chance.
Swiftly, I moved to the other cashier's register and typed on their machine. I logged in under their name. They were new, and I had just barely trained them on the system. I only knew their password because it was literally "1234567". I'd seen them type it so many times that I had incidentally memorized it. Their login was the key to my plan.
With their account open, I scanned a pack of gum and rang out the "customer." I slid the card through the card reader, punched in $100 in cash to withdraw, and waited for the approval.
Ding.
Approved.
The cash drawer popped open, I extracted a couple tens, some fives, and a 20 before slamming it closed. I snatched the receipt, stuffed everything into my pocket, including the gum, and went back to my register.
When the other cashier returned, I told them I needed a few minutes in my car. That's where I hid the gum, receipt, and cash.
On my way back in, I used my shirt to wipe the card clean of any fingerprints. I dropped it by the curb on my way into the store, stomping on it a couple of times to make it look abused.
Taking a deep breath, I walked back inside.
Son of a bitch. It worked.
 
There was never and kickback from that experiment. The customer never came to the register asking about their card, and the card disappeared from the curb outside before the end of the day. I suspect that the customer found it there when they came back for their card.
I'm willing to guess that the customer talked to their bank about the extra transaction. The bank probably refunded them and gave them a new card, and the police never showed up asking questions.
At home, I burned the receipt and the gum pack. I burned the gum pack so the barcode could never be traced to me. Just in case.
To celebrate, I used the cash to treat myself to a very expensive dinner that night.
All the evidence was gone, and I was clear and free.
And the thrill was exactly what I'd been searching for.
 
From there, I brainstormed and even researched better ways to accomplish what I wanted.
My goals were two-fold:
1) Make a decent chunk of money. Generate enough to save for long-term goals and happiness.
2) Not harm the identities of those who I used.
And, of course, not get fucking caught.
Generally, I planned this out by attacking many targets for small amounts, maybe a hundred dollars or less. If I hit six to ten targets a month, that'd be anywhere from $600 to $1000 extra a month. Which was enough.
There were a lot of technical details that I had to plan for. I couldn't keep using my store: it was too obvious and the police would be on me in a month easily. I also couldn't use the same city. Some debit cards wouldn't let you withdraw cash without a pin. I got lucky the first time. And, what if the customer didn't have $100 in their account?
I had to look at contingencies for contingencies.
I also had to set rules for myself.
Don't use an ATM. Don't use cards in stores that have cameras. Stay with crowds and look for cameras outside each store, like in the parking lots. Don't deposit the cash you took into your own bank account. Don't put it in a safety deposit box either. All kinds of rules based on my research and contingency planning.
I bought a pen-camera off of ebay which I used while going to the store. I used it to film the person in front of me obscurely. I always got in line behind a man, too.
When they pulled their card out, they often held it around their chest, like they wanted people to see their card. Rarely did people try to obscure their pins.
At home, I would pull the video from my camera for the day and hope that at least one card was legible enough that I could extract the card number, expiration date, and name.
A lot of people like to stand in line with their card on the counter until it's their time to pay. Or they hold it over the card reader like it's a race and they're waiting for the gun to fire. It's ridiculously easy for someone like me to extract that info with a camera.
I set up an account on the darkweb where I would submit the card information, and a shiny, newly printed debit or credit card would show up in the mail. They routed the envelope through a network of darkweb "MailMen" so the envelope never even used the actual postal service.
I would scuff the card up a bit, validate the data on my own card reader that I purchased through another darkweb service, and queue it up for use.
I had a queue system so the cards were never used in perfect order, and were used a few months after I had snatched their information.
I was grabbing information in stores that had cameras, so I wanted there to be time between when I grabbed it and when I used it. Sometimes this meant that the card went out of service before I could use it. But I was collecting enough cards that it didn't matter.
I had no way to know if the cards would work, so before going to pay, I would have a contact buy a song on an obscure site using the card. It was a site that didn't require the security code printed on the back of regular cards, since I didn't have those codes.
My phone would buzz after the transaction went through or failed, and I'd know whose card was next to be used. I'd get in, pay, withdraw cash, take the receipt, then leave.
After each money run, I'd burn all the evidence and hide my cash.
I had a good contingency plan for if a cashier asked for my ID. It was too expensive to get an ID for every card I planned to use once. So, I had my acting always ready to go.
"Can I see your ID?"
"Crap, that's my boyfriend's card, he's out in the car. We're just getting cash to pay the neighborhood kid who takes care of our lawn."
If the cashier asked me to go and get my "boyfriend", I'd leave the store and never come back. But they always bought the excuse. And apparently I play a gay guy pretty well. Who would've thought?
 
I know what you're probably thinking.
"God damn, Michael, get to the important parts! Blah, blah blah!"
I don't get to brag much about what I've done and how clever it was, so I'm taking my last opportunity before I'm probably shot. So fuck off.
During all of this, where it went on for three months without so much as a hiccup, I was doing other research.
I was making more money, but those needs came back again and I found myself needing more. How could I make money faster? I'd ask myself that all the time, and skim the darkweb for methods that would work for me.
That's when I turned to credit card fraud of the mail-in card variety. A new formula for making money right this second began to form.
I used a feature of the MailMan darkweb service to set up a mailing address that would forward all mail to me. Then, I went online and bought a few hundred sets of personal data that were probably hacked from some company's database.
Using this personal data, I signed up for three to four credit cards for each person. With those cards, I bought things online that I already intended to purchase for myself. Once the items arrived, I paid off the balance on the credit cards with my hard-earned money using prepaid cards that I bought with cash.
Then, after a month or two of using the card, I would withdraw $100 in cash at a store. And then I'd store the card in my hiding place, never to be used again.
If anyone ever looked at their credit reports and saw the credit card, it would look suspicious and odd, but would only be a $100 balance. They would, hopefully, just pay it off, close the card, and stop caring. Besides, my use of the card boosted their credit score. I paid the bills and fees on time, and kept the card open as long as I could afford, paying the yearly premium out of my own pocket. It was my way of saying thanks that they'd never hear.
You give me some money, I help you boost your credit score. A symbiotic relationship.
I even thought I'd earned the title of "ethical credit card scammer." No one, especially not the police, would see it that way, but that's how I justified my actions to myself.
My mistake came from not researching my "clients" before I used their identity and their card.
That's what got me caught.
But not by the police.
 
I'd gotten used to the current routine to the point where I could do it in my sleep. I was making good money, much better compared to before. I kept my job as a store manager, and it felt so much more fulfilling because I was making the money I needed overall, and had something to look forward to: the thrill of identity theft.
After some cautious planning, I rented out a nice, two-story duplex in one of my "client's" names and credit score. I kept my payments on-time and was the perfect tenant. The duplex's owner only did a soft pull on this client's credit, so it wouldn't show up on their credit report.
Regardless, I had a contact on the darkweb set up some monitoring for this identity online. He assured me that if anything went wacky with the credit that made it seem like the client was suspicious or investigating, I'd get a text. I wanted a heads up if I needed to ditch my place.
One month. It only took one month for them to find me. In the digital world, you would think one month was a long time, but it was too short for me. Too unexpected.
I was in bed, sleeping, when I heard the front door squeak open. My eyes shot open. A million fears and thoughts ran through my head. It didn't matter if it was just a thief or the FBI. Either way, the police would be involved, and I'd be caught.
I rolled out of bed silently. Watching my half-open bedroom door, I grabbed my sheets and spread them tight across my bed. I wanted to make it look like no one was home. Snatching my wallet and keys from the bedside table, I dropped to the ground and rolled under my bed. The boxes I kept under the bed for storage hid me from view once I arranged them.
Footsteps came up the stairs. I wished I'd thought to buy a gun. But buying a gun took heavy background checks, and I hadn't figured out how to bypass those yet.
Heavy boots tried to sneak down the hall. I saw two of them, one behind the other. Both black and menacing. They moved like they had training, but not much. From the way the floor bent under each step, they were both probably heavy around the belly.
The door opened as they entered the room. Upon seeing the empty bed, they paused, unsure of what to do next.
One of them whispered, loud enough that I could hear.
"Not home."
"So we wait."
I bit my lip and cursed internally. They were looking for me, whoever they were. Probably not cops: they wore jeans, not uniforms. They could be plainclothes, sure, but I just felt that they weren't cops.
I heard the front door squeak again, but the two men were too busy whispering to notice. I wondered if the door was just open in the wind.
My reply came in the form of a voice from the hall.
"Evening, fellas. Hands where I can see them."
Shit. A cop.
This guy's feet moved gracefully under him. Definitely trained.
Suddenly, the two men rushed the cop, and I watched him fall as they shoved their way past him. Through the dimness, I could see that it wasn't a cop at all. It was Jack, my neighbor across the street. He was ex-military, like me, though he'd been in the service a lot longer than I had.
I heard the front door fly open and slam shut as the two would-be thieves left the house. Jack stayed on the ground, sighing. He probably figured that pursuit wasn't worth the trouble.
I weighed my options before finally pushing boxes out of the way and crawling out from under the bed. Jack watched, surprised.
"You were under there the whole time?" He asked.
"They weren't here long, thanks to you."
Jack eyed my perfectly made bed, then where I'd crawled from.
"Smart tactic for hiding. I'll have to remember that one."
"Thanks."
We stood in the dark for a minute, feeling awkward for different reasons.
"Listen..." I said. "I'm grateful that you came and chased these assholes out, but can we not call the police? They didn't take anything, I'm not hurt, and I really don't want to deal with the hassle."
Jack chuckled. "I was about to ask you the same thing."
I looked at him in confusion. He lifted his gun, pointing it at the ceiling and showing it to me. It was a 92FS Beretta. Sleek, shiny, and well oiled.
"This girl here is illegal for me to have. I have a small rap sheet from before the military, but am still not allowed to own a gun of my own. So, I'm going to agree that we don't involve the cops."
"It's beautiful," I said, trying not to gasp from relief.
"She sure is," he grinned.
"Jack, thank you," I said, extending my hand.
"Any time," he said, shaking my hand.
 
I wondered for a few days about those thieves. There's no way they broke into my house by random chance. They were looking for me: they'd verbally confirmed that.
So who were they? Why did they want me?
I thought myself into dead end after dead end. There wasn't anything I could do until I had more information. And yet, I had no way to get more information.
I was stuck in limbo until they tried again, if they truly were looking for me, or until I could stop double checking my locks at night.
 
One night, as I lay in bed reading a book as usual, my phone rang. The duplex had actually come with a cordless phone system, which was humorous considering our cell-phone dominated world.
I answered it, not knowing who it was.
"Hello?"
"Hi, Neale. Listen, just wanted to give you a heads up. There's a weird car that's been parked outside my house for hours. People were lying down and taking a nap for a while, but perked up when you got home. Now they've got cameras aimed at your house. Don't come to the window and try to look, they'll see. I just wanted to call and tell you that before I go and talk to them."
What the hell. Breaking in is one thing, but now surveillance?
Who did they think I was?
Unfortunately, that was the question I should have pursued long before things got worse.
"Did you get their license plate?" I asked.
"And their make and model."
"Can I have it before you talk to them?"
"Sure," Jack said.
He gave me the info, and I told him I'd call him back in a bit. To his credit, Jack didn't even question what I was doing or why I wasn't freaking out and calling the cops.
I connected to Tor and sought out a darkweb site that had a backdoor into my state's DMV registration database. Only one or two states have those backdoors, and mine is one of them. Lucky for me.
I put in the license plate number and the results came back. I paid my $25 fee with the usual Bitcoin, and opened the word doc that came back.
Registered to one Charles B. Matsworth. With an address across the state from me. The database backdoor didn't transmit images, so I couldn't compare their driver's license photo with the people in the car. I was either dealing with Charles himself, or a stolen vehicle. Helpful, but also potentially not.
I hit up another darkweb site and searched for Charles. I paid my fee, then the results populated. Except there were no results. There were ALWAYS results, but this guy's name wasn't there. Which was impossible with this site. It passively picked up every name tossed around the internet and provided you with links to where it was mentioned.
But there were no results. Which means someone was actively scrubbing this guy's name from the web.
So, that's when I knew he was one of you, darkweb.
I hit redial on my home phone and got Jack back on the line. It was just past 11pm.
"Hey, Neale," he answered.
"Hey," I said, resisting the urge to peer through the blinds. "I can't look, obviously, but have you seen anything else helpful about them?"
Jack paused, probably looking out the window. "Passenger is a heavy smoker: there's a small pile of cigarette butts on his side and he's smoking one right now. They've got some Arby's wrappers on their front dash. Driver is using a telescopic lens on a pretty expensive camera. Canon, I think. Two coffee cups from a gas station in the cup holders. Car looks pretty new, just a little dust. If you took it through a car wash, it would probably shine. I'm guessing it's a new model."
I listened to him observe them, spouting off anything that he thought might be useful.
"Any of that help you out?" He asked.
"Maybe," I said, trying to think what I should do. Scare them off and let them know I'm onto them? Let them sit there and spy, hoping they don't decide to physically enter? Leave out the back? My bedroom light was on, so they knew I was home. My shadow had probably played against it a few times tonight too.
This was a situation I didn't have a contingency for.
"You should come over to my house. Sneak out around back, walk a block over, and come in through my back door," Jack said. "We can spy on the spies."
I considered it. Last time, we had scared off the thieves and not gotten any useful information. This was the most useful situation since that night. I should take advantage of it.
"Okay, I'll do that," I said. I gave him my mobile phone number so he could use that instead of the home phone.
I made my way to the back door and left, locking it behind me. Going straight back and over the back fence, I went to the next street over, then jogged three streets down to crawl through someone else's yard and into Jack's. He was waiting at the sliding glass door when I got there.
"No movement, they're still staring at the house and talking occasionally."
"Any idea what they're saying?" I asked, hopeful.
"Nope."
I walked into his living room, and found his setup. He had a pair of binoculars on a coffee table, and a few slats of his blinds were held open by paper clips.
"Have a look," he said, waving me into the room. "Need some water?"
"Yes, please," I said, picking up the binoculars.
Through the blinds, I saw the two men in their car, both heads turned towards my house. It was exactly as Jack had described. The streetlight was far away, so I couldn't make out hair colors, but one had longer hair than the other. That was about all I could make out.
Jack appeared beside me and set a glass of water on the table.
"Recognize them?" He asked.
"No," I muttered, setting down the binoculars.
"You in some kind of trouble, Neale? Borrow money from the wrong guys? Or are these just private investigators from your ex-wife trying to track you down for child support?"
Jack's tone was light and joking. He honestly didn't seem to give a shit what kind of trouble I was in.
"Not that I know of," I said weakly, turning back to the window.
"Maybe they're after the guy who lived there before me?"
"Could be," Jack said, sitting on the couch.
I turned back around to face him while he watched me with the slightest smile on his face.
"Thank you, again, for helping me figure this out," I said.
"I haven't had this much fun since my last tour. I haven't had any action since. This is exciting and refreshing, Jack. I'm happy to help."
I nodded, taking a seat as well, but keeping the window within sight.
"So, it's not money, it's not women. Is it drugs? No judgement from me, man."
"No drugs either," I said, trying to do my own thought process. For half a second, I considered telling Jack about myself. Then I realized how asinine of an idea that was. He'd probably kick my ass for stealing.
"I say we watch 'em. We won't learn anything by running out there and scaring them off. But maybe they'll do something that gives us an idea of what they're up to," Jack said. It was the same conclusion I'd come to, so I agreed.
We watched them in silence for about an hour. I was perfectly okay not talking to Jack, and he seemed okay not talking to me. We took turns at the window, and if something interesting seemed to start happening, we'd wave the other one over to look.
Nothing interesting happened until almost 1am.
They both got out of their seats and exited the car. Each one stretched, then pulled pistols out of their belts. They examined their guns, cocked them, and made their way to my house, side by side.
I waved Jack over, and he watched them try my front door, find it locked, then go around back.
"I have an idea," Jack hissed, suddenly shoving something into my hand. His Beretta.
"If they come out, open the front door and yell to me. If they start shooting, you shoot back. Give me cover to get back into the house."
"What are you doing?!" I hissed back as he grabbed at the front door.
"Getting some information!" He said before shutting the door.
I watched him drop to a low crouch and crab-walk his way to their car, which was parked at the edge of his sidewalk. The passenger window was open from the smoker, so he leaned into the car and rustled around.
I watched my house, heart beating sharply. I saw a shadow pass by my bedroom window. They would have found me not in bed by now. They could be leaving soon.
I made my way to the front door and opened it a crack.
"Jack!" I whispered. "They made it to my bedroom! Hurry up!"
I shut the door, and ran back to the window, careful not to disturb the blinds. With the binoculars, I inspected my house. The figure was still by my window, and Jack was still rummaging through the car.
The figure moved away from my window, and I dashed back to the door.
"They're coming!" I called. Jack didn't waste time. He got up and bolted for the door. I shut the front door as he entered, and we both went to the window. The men came back around my house and got back into their car.
I thought they would wait around until I came home, but the car started, and they drove away.
We both watched the tail lights disappear.
When they were gone, I turned back to Jack, who had dumped handfuls what he was carrying onto the coffee table.
"Receipts," he said. "I didn't see any badges for policemen or private detectives. Car is registered to Charles B. Matsworth, but the address is blurred out on the papers."
I blurted out half the address before I caught myself. Jack looked at me funny, but didn't ask.
"I guess grabbing the receipts was useless," he chuckled. "I was gonna say we could plot the receipts on a map and try to figure out where they came from."
"That's still a good idea," I said. "That address is for Charles, not necessarily where these guys came from."
"Pretty sure these guys are criminal. Sure you don't want to hand this off to the police?" Jack asked.
My heart skipped a beat, and I tried to sound nonchalant.
"No, I don't want to get the police involved unless it's serious."
Jack laughed out loud. "They pulled guns, then went into your house in the middle of the night. I'd say it's pretty serious, Neale."
"Okay, okay, I'll level with you," I said. "I've done some stuff and still have an outstanding warrant. If I go to the cops, I'll be arrested." That was enough of the truth to be a convincing argument.
Jack pondered that for a bit.
"What'd you do?" He asked.
"Unpaid speeding ticket," I said quickly with a shrug. "50 in a 35. That was a few months ago. If I go now, before paying the ticket, I'll probably get arrested."
Jack nodded with a slight smile. "Okay, Neale. We'll investigate it ourselves until you get your ticket paid. Then we'll get the police involved."
I swallowed hard.
I didn't intend to ever get the police involved. So I had to resolve this fast.
 
Part 2
Part 3
submitted by darkwebidentity to nosleep [link] [comments]

What we did before hashbon

What we did before hashbon
https://preview.redd.it/wcwjiyr1qoe11.png?width=1197&format=png&auto=webp&s=7f6d22f9cdeecab9e8c20a4ee41bb4332ba6e20d
What do we know about people, developing Hashbon? Meet the Rajce.io team, based in Europe.
It is time to reveal the things that we have been doing before Hashbon idea was published to the masses.
Our story started five years ago when Matbea.com had been released. Currently, it allows customers in Russia to work with cryptocurrencies safely and quickly - deposit, withdraw, and make exchange. Matbea.com is a bitcoin wallet where you can buy or sell bitcoin at a favorable rate. It has a goal to provide a simple, convenient, and safe way to work with cryptocurrency absolutely for everyone. And we believe that more than 80000 registered users - is a really good achievement.
Then the owners decided to make things even faster and convenient for everyone - to develop Bitcoin-explorer, where anyone can see detailed information about all bitcoin transactions and blocks. Matbea.net, second project of Rajce.io team, was designed to provide Blockchain API with unique features where users can view relation between bitcoin exchange and bitcoin address free of charge. This service gathered information on more than 60 millions bitcoin addresses.
What could be the next step? Gefarapay.com, similar to Matbea.com was developed and released in 2016. It was targeted to conquer European Union. This project shows how to make store your cryptos in web in a very simple and safe way and make exchange at low fees. It has a strong legal side, which is essential while working in Europe, supplied with strong but simple KYC procedures and AML rules. And recently a new convenient option to make deposit with Visa and Mastercard was added. Team is planning to publish mobile version of gefarapay.com on iOS and Android very soon.
After those tremendous steps in developing blockchain solutions our team was actually shocked because of lack of good and reliable mobile app, that can help to find Bitcoin ATM all over the world. And thus meet the Bitmapp.org. Now you have reliable, fast, easy-to-use Bitcoin ATM map on your mobile. It has already 10000+ installations.
As we can see, Rajce.io team has a strong experience in blockchain world. Four projects that made themselves popular in five years. And now the team is preparing to rock blockchain community with Hashbon, they have all the needed instruments and experience to make it happen.
Stay tuned and we'll tell you about the real people behind Rajce.io team :)
submitted by Hashbon to u/Hashbon [link] [comments]

Job Scam - Got scammed, what now? (xpost /scams)

It pains me to say that I've fallen victim of a job scam. I'm posting this for two reasons. The first, so others don't find themselves in my position. Second, to make sure I've done everything I can to may be recover my money.
I've been desperately looking for a job for the past month and had very little luck. So when I was contacted by this scammer, I was excited. The person went by "D.a.n.i.e.l.a" (without the periods) and claimed to be a manager at CWT Sato Travel (a fairly large travel agency). She reached out to me and had let me know that a position I had applied for was filled but there was another position, Billing Assistant, that was available. The pay was decent ($25 an hour) and the job description looked legit. Every form was sent to me in pdf form and had the CWT Sato Travel brand on it's letterhead. I definitely should have seen this and I don't know why I didn't but the first red flag was when she told me they were expanding and did not have an office yet (the office was to be ready on Feb. 23rd) I could meet with her in. However she did give me an address to where the office was to open. A quick google map confirmed it was an office building but anyone could have picked a random building. Everything else though, seemed legit. I spoke with her on the phone and went over my resume. Her English was spot on. About a day later, she told me I was hired and had me send her an application form and my drivers license. Ever since then, all of our conversation has been via email.
This was about last week (7 days ago). After I filled out my application, that was it until today (my start day). My first task was to accept an EMT of $3000 into my personal account and to withdraw $2900 in cash. Take the cash to a Bitcoin ATM, deposit it and provide her with the receipt. She provided me with a QR code to use with the Bitcoin ATM. I haven't done anything at this point and felt like this was a red flag. I brought it up with a friend who told me that EMTs could not be reversed and is handled like cash, so if the funds were accepted in my account. That I was good to go. I was still a bit nervous so I gave my bank a call just so I can ask them about things. They told me the same thing, that EMTs are not reversible and once deposited, the money was mine. So I deposited the money and went ahead with my duties. I wish I had waited, but the scammer included in their email that if I could not complete the job in 4 hours, they would consider it theft and forward my information to the authorities. So I guess having that sit in the back of my head messed with me quite a bit. Writing this out, I can't believe I fell for it, it's been so embarrassing and heartbreaking telling my wife that not only did I not find a job. But I lost a LOT of money that we desperately need. But that's a whole different situation.
After I completed my task. The scammer told me I was done for the day and that I had done a good job (ugh). I went home and didn't feel right at all. I made (or so I thought) $100 bucks for about 2 hours work, which felt awesome at the time but there was a pit in my stomach I couldn't get rid of so I googled. I couldn't find anything, but may I wasn't using the right terms. I googled "scammers first and last name + scam," "company name + scam," "(the telephone number the provided me)." Nothing came up. The email they used was .ca instead of .com but if you put in CWTsatotravel.ca, it'll bring you to the .com site. So I felt a bit better, but that still wasn't enough. So I started calling some of the contact numbers of other offices that I could find online, so I could ask if this is how things are done. Most of the people I spoke with either told me, "we're like a franchise so each office does things slightly differently." It wasn't until may be the 8th office I called (yea I was that skeptical) that knew of the scam. The receptionist was even able to give me the name of the scammer. Oh no. She transferred me to a manager who was already dealing with several of these cases. I left a quick message, called the non-emergency police line, left a message and finally called my bank.
I told another bank rep that I spoke with someone in loss and prevention earlier so there were notes of what was going on (I had given a quick rundown when I asked about EMTs). And told them that I believe I've been scammed. The gentleman on the line took down my information and advised me to begin a police report and to go down to my branch with all my information and communication with the scammer. I printed everything and went straight there. After explaining my situation to the help desk, I was told there wasn't much I can do because nothing fraudulent had happened yet. She refused to book an appointment with a manager for me. I hadn't been able to speak with the police yet so I didn't have a incident numbepolice report yet. Even then, they advised that we destroy my bank card and to close my account + open a new one. I didn't think I needed to close my account but I did get a new card. If I have the time on the weekend, I probably will close and reopen another account, I know chances are slim of something happening but I rather be overly safe.
About this time, an officer returned my call and I gave him the run down of everything that's happened. I spent quite a while on the line explaining the him what Bitcoins were (it was insanely difficult as I'm not very familiar with them either). He took down my statement and said he'd call me back in a few days, I was also provided with an incident number and his contact information. I went ahead and called my banks loss prevention line again and they told me I needed to speak with a branch manager and provide her with all of this information. So I went back and demanded I get speak with the branch manager. After 20 minutes, I was able to sit down with her, I told her every detail I could remember and also what the other bank reps told me. She took the emails, the police information, incident number, receipts, absolutely everything I had, and made a copy of it. She had also but a flag on my account noting that I spoke to her about everything.
Near the end of that meeting, the manager from the actual company had called me back. She informed me that they only received a memo about the scam a few weeks ago. Even then, I was surprised none of the offices knew about it. She told me she has spoken to a few people who have fallen for the same scam and is investigating and working with the police. I gave her my information to add to her file and took down her name number and ext.
So that's where I'm at right now. Some of the information might be a bit hard to understand but I tried to be as accurate as I can remember. It was honestly very hazy. I'll try to clear up anything that doesn't make sense.
Nothing has happened to my account yet. What can I do to may be recover some or all of the money that I will lose? Is there anyone else that I need to contact? Did I miss any steps?
Thanks everyone
tl:dr - Got scammed $3000. Nothing has happened to my account yet. Started a claim with bank and started a report with police. Scammer does not know I know this is a scam. What now?
submitted by throchi to jobs [link] [comments]

Cryptocurrency Investors

Hello! My name is Mihail Kudryashev, I am a frontend engineer at Platinum. We are a an international STO/IEO/ICO/POST ICO consulting, promotion and fundraising company with huge experience in STO and ICO marketing and best STO blockchain platform in the world! Learn more about it: Platinum.fund Our company gained popularity after launching the world’s number one online university with only practical knowledge on crypto economics. Now you can learn how to create and develop your own ICO and STO, how to market your campaign and make it super successful. Who are cryptocurrency investors? What drives people to invest in cryptocurrency? Read the extract of the UBAI lesson to get all the answers.
Introduction to the Investors §2
In 2017, the total cryptocurrency market capitalization was approaching $850B which begs the question:
Why are investors turning to cryptocurrencies?
A survey by Blockchain Capital indicated that at least 30% of millennials would rather invest in bitcoin than invest in traditional stocks. Cryptocurrency investors, like traditional investors, expect a return at least proportionate to the risk they take. Due to the fundamental lack of regulation, incredible volatility and astronomical relative risk, many cryptocurrency investors expect to earn meteoric returns. Returns in the ranges of multiples from 200% to 1000%.
Let us first begin by examining the kinds of people who invest in cryptocurrency, and then let’s see the reasons why each of them is investing in this relatively new market.
Types of Investors
The “Newbie” Cryptocurrency Investor
This investor is just starting out. They probably have not had any significant experience in any form of investing before and bitcoin is their first experience. They have heard about people making incredible returns from cryptocurrency investing, or some aspect of the entire blockchain and crypto revolution attracts them, and they decide they want to invest too.
Unfortunately, most of the newbie investors will end up losing their money, primarily because of one specific misconception; they think cryptocurrency investing is an easy way to make huge profits. “ “Types of Investors §2
“Gambler” or “Get Rich Quick” Investor
This is the second class of cryptocurrency investor, and is actually not really an investor at all.
This type of person is out to make a fortune as fast as possible. They will fall for whatever sweet-sounding scheme they hear. They love ideas that promise to double or triple their investment quickly. Like the Newbie, they do not understand how cryptocurrencies work, and they don’t care. The difference between this kind of investor and the successful individual or professional investor is that the gambler does not care about the management of risk, or about the timing of trades.
They place their money on the table, and they hope it will make a good return. They are gambling rather than creating an investment thesis and executing a well-thought out strategy. They might even have an infectious positive attitude, but unfortunately it is not backed by knowledge or the due diligence required to be a successful investor.
A good example of this style of thinking, outside of cryptocurrency, is high yield investment plans (HYIPs) that promise to multiply an investors capital by a certain factor. This is not to say that all HYIP programs are scams, but a good number of them are. Most importantly, the investors who flock into such plans have similar characteristics to that of the Get Rich Quick investor in that they will not take the time to learn about the field in which they are investing. They are just looking for fast money and an overnight success. “ “Types of Investors §3
Short Term Traders (Day/Swing Traders)
Short term traders must, without a doubt, be the most knowledgeable investors if they are going to succeed at their chosen profession. They have, or they should have, studied the art and science of trading more thoroughly than other people. This is the kind of investor who has taken the time to learn about cryptocurrencies and the markets on which they trade. Short term traders create deliberate and timed strategies in an attempt to profit from fast market movements. Maybe many of the short term traders started off as Newbies, but these are the individuals who took the time and effort to learn about the market. They wanted to know what they were doing. These are the people who survived and thrived to grow into the type of trader that they want to be.
Interestingly, the Day Trader does not attach emotion to any given coin. They do not need to believe in the sustainability/whitepapevision/road map, etc. of the project they are buying into at any particular time. They just need to be confident about the direction and timing of the potential price movement of the coin. “ “Types of Investors §4
Long Term Investors/ Hodlers
A great majority of successful cryptocurrency investors can be most properly classified as Long Term Investors, or HODLers in true crypto terminology. These are investors who understand quite a bit about cryptocurrency and blockchain technology and believe in the sustainability of the coins in which they are investing.
Think of the first few investors who bought bitcoin in the early days and years, when it was still deep under the radar for most people. These are the people who believed in the blockchain and cryptocurrency revolution. They didn’t sell their bitcoin for fast profit, although they had many chances to do so. They knew what they were doing, holding for the long term. These early investors and HODLers enjoyed astronomical growth all the way up to 2016 and 2017. But to be a long-term holder despite all the bad news and negative factors surrounding this brand new asset class, they must have really believed that bitcoin and the blockchain were going to change the world. This belief can only be established through study and research about the blockchain industry and the specific currencies and tokens in which you are going to invest.
Follow up and learn more on www.ubai.co!” “Types of Investors §5
Sophisticated/Professional Investors
These are experts in cryptocurrency investing. They most likely have a background in other forms of trading and investing, such as in stocks, bonds or options etc. They may also be earning fees by investing or managing money for other people.
The Iconomi fund managers are a good example. Each Fund Manager manages an array of digital assets. Investors might choose Iconomi because it offers a platform for the investor to allocate funds to specific fund managers, with the ability to swap between managers instantly if the investor desires to do so.
Each fund manager selects a number of coins in which they wish to trade or invest, with specified time horizons, short or long term. Investors can buy into the array of mutually held coins. This allows investors to utilize the knowledge and experience of professional fund managers to trade an allocated pool of capital, hopefully generating returns greater than the individual investor would be able to produce on his own.
The fund managers are motivated by the fees and commissions they earn, and perhaps a performance-linked bonus. You can certainly be properly classified as a Sophisticated Investor without any need to be a fund manager for other peoples’ money. But a professional fund manager has the ability to trade with a larger pool of capital, manage complicated risk, and diversify trading strategy to generate various streams of income. “ “Between Countries
A particular country’s participation in cryptocurrencies largely has to do with the legal regulations about blockchain projects and crypto currency investment in that jurisdiction.
When China banned the use of cryptocurrency, most Chinese nationals had to withdraw their investments. Many other countries have also placed bans on the use or trade of cryptocurrencies. Countries like Japan that have allowed the use of cryptocurrencies have witnessed a significant rise in cryptocurrency investments as a result. Japan and South Korea are home to several high-traffic cryptocurrency exchanges, meaning that a notable proportion of their population is investing in cryptocurrencies.
Another way to look at cryptocurrency investment demographics is to look at the bitcoin ATMs present in each country. The United States of America is the leading country, followed by Canada and then the United Kingdom.
According to a report by Google trends, the five top countries interested in bitcoin are: South Africa, Slovenia, Nigeria, Colombia and Bolivia.
Remember, cryptocurrency demographics can be a little tricky due to the anonymity involved. Many people may be afraid to participate in surveys, especially when their governments have placed legal restrictions on cryptocurrency investing.
The main point the research seems to validate is that the demographics of the cryptocurrency investor base is diverse. While the average investor may be a white or Asian male between the ages of 26-30 with at least a university degree, the entire investor base is so much larger than that. Many big investors are likely to be significantly older, and have connections and businesses in the traditional economy as well. “ “Notable Investors in Cryptocurrency
While many people have made fortunes from cryptocurrency investing, a handful of them stand out as being particularly remarkable. We will take a more detailed look at some of the biggest investment success stories to see how they did it and learn about their investing strategy.
The Winklevoss Twins
After being awarded their settlement from the lawsuit against Facebook, the Winklevoss twins decided to invest a significant portion of their money in Bitcoin. They invested $11million of the $65million they received. At that time, the price of a single bitcoin was about $120.
This high-risk investment paid off handsomely and they became the first publicly known Bitcoin Billionaires, perhaps owning more than 1% of the total bitcoin in circulation. In an interview with Financial Times in 2016, the twins jointly said that they consider “Bitcoin as potentially the greatest social network because it is designed to transfer value over the internet”. They also pointed out that compared to gold, bitcoin has equal or greater foundational traits of scarcity and portability. “ “Notable Investors in Cryptocurrency §2
Michael Novogratz
A self-made billionaire ex-Goldman Sachs investment banker, Novogratz has invested more than 30% of his fortune in cryptocurrency. In 2015, he announced a $500million cryptocurrency hedge fund, including $150million of his own money. Novogratz believes that “the blockchain, the computer code that underpins all cryptocurrencies, will reshape finance, just as the internet reshaped communication”.
The investment thesis of Mr. Novogratz is similar to that of the Winklevoss twins. He has taken and maintains a long-term position while he trades in and out of short term moves, based on his fundamental belief in the potential and likely application of the underlying blockchain technology. By starting an investment fund in addition to his other cryptocurrency related ventures, he is demonstrating a strong fundamental grasp of the technology, including its applicability and impact across so many industries. Slide
Barry Silbert
In December 2014 after the US Marshal’s office seized 50,000 bitcoins from the Silk Road, Barry Silbert purchased just 2,000 of those bitcoins at $350 per coin. A few years later of course, those coins were worth millions of dollars.
Barry is the founder and CEO of the Digital Currency Group (DCG) a cryptocurrency investment firm. Barry also made significant profits from Ethereum Classic, purchasing the coin in its very first days. He has invested in over 75 bitcoin related companies, including CoinDesk. As founder of the Digital Currency Group, Barry endeavors to support bitcoin and blockchain companies and accelerate the development of the global financial system. “ “Directly through Exchanges
Step One: Register on a reputable cryptocurrency exchange
To start investing, you first need to register on a reputable cryptocurrency exchange where you can buy bitcoin and other cryptocurrencies. Binance is a good exchange to use in this lesson. While it may or may not be the best, it is currently the largest, and they provide a very supportive layout and customer service department.
You should remember, to buy most altcoins (cryptocurrencies other than bitcoin), you specifically need to use an exchange like Coinbase or Kraken that allows you to convert fiat currency into cryptocurrency. From there, if you want to trade altcoins not listed on that exchange, you will have to transfer your BTC or ETH to a larger exchange like Binance, and buy the altcoin you want, using whichever trading pair that is best suited (BTC and ETH pairs are most common).
As we have already explained, if you are buying Bitcoin or any cryptocurrencies, you should invest in a wallet to safely store your coins. It is not advisable to store your BTC or other crypto on the exchanges for too long, due to hacking and other risks. “ “Directly through Exchanges
Step Two: Determine your Strategy
There are different ways to invest. You need to find a strategy that works for you and your specific set of skills. The value of a cryptocurrency is not defined by a formula or something out a textbook. If everyone was able to calculate the actual value of a share of stock, for example, or a bond, or other tradeable asset, then the price on an open market exchange would never move. Buyers and sellers would know exactly how much the asset is worth, so there would be no reason to sell lower or buy higher than the actual value.
You need to come up with your own ideas and strategies to take advantage of market moves. Sometimes you will have a position that is contrary to the general market. Other times you might be trading in agreement with a majority of other market participants. Investors are basically separable into one of two groups of thinkers. Contrarian investors go against the crowd, swimming against the current; Momentum investors ride the wave feeling secure in the majority. Being different can be good or it can be bad. You do not always want to necessarily get caught up in the most crowded trade. “ “Things to keep in Mind
Bitcoin Futures
We need to mention the bitcoin futures market as another potential way to invest. Toward the close of 2017, Bitcoin started trading on two fully recognized and well-established futures markets; the Chicago Board Options Exchange (CBOE), and the Chicago Mercantile Exchange CME.
The key quote from the exchanges was “because the futures can be traded on regulated markets, it will attract investors, making the market liquid, stabilizing prices and it will not suffer from low transaction speeds of Bitcoin Exchanges.”
For a risk averse investor, this offers a safer entry into cryptocurrency investing. A futures contract commits its owner to buy or sell the underlying asset, BTC, at a set price, and at a set date in the future. The investor in the futures contract does not actually own the underlying asset, but rather is trading on fluctuations in the price of the asset over a certain timeframe, as specified in the futures contract. “ “Things to keep in Mind §2
Common Pitfalls We cannot conclude this lesson without one more look at the common pitfalls a new cryptocurrency investor should avoid.
The problem areas are: -Falling for scams by failing to carry out due diligence. -Relying solely upon self-acclaimed crypto gurus and experts. If you want to trade, you must understand how to read news and charts for yourself. -Too much Greed. Not taking profit when you should. It is better to take a 20% gain, than wait for a 100% gain, only to lose it all in the end. -Lacking an investment strategy or exit plan. -Not sticking to your investment plan or strategy. -Allowing emotions to rule your decisions. Chasing your losses. -Investing what you cannot afford to lose.
And finally, some time-tested wisdom from Wall Street: Bulls make money. Bears make money. Pigs get slaughtered every time. (Don’t be greedy!)
We cannot overemphasize the risk involved in cryptocurrency investing. The potential to make huge gains over a short period of time does not come without risk. There is no doubt that significant players in the global financial markets are entering the cryptocurrency markets too. We are likely to witness more and more government authorities trying to regulate cryptocurrencies, hopefully to the overall benefit of a healthy market. It seems safe to say we will see cryptocurrencies become more mainstream due to the intense interest from the traditional financial industry and institutional investing community all over the world. What are better ways to successfully invest in cryptocurrencies? Which pitfalls should you avoid? Learn all on successful ICOs and STOs after reading the full lesson: UBAI.co How to start your STO/ICO campaign in 2019? Contact me via Instagram, Facebook, LinkedIn to know more about our education: Facebook LinkedIn Instagram
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World History Timeline of Events Leading up to Bitcoin - In the Making

A (live/editable) timeline of historical events directly or indirectly related to the creation of Bitcoin and Cryptocurrencies
*still workin' on this so check back later and more will be added, if you have any suggested dates/events feel free to lemme know...
This timeline includes dates pertaining to:
Ancient Bartering – first recorded in Egypt (resources, services...) – doesn’t scale
Tally sticks were used, making notches in bones or wood, as a form of money of account
9000-6000 BC Livestock considered the first form of currency
c3200 BC Clay tablets used in Uruk (Iraq) for accounting (believed to be the earliest form of writing)
3000 BC Grain is used as a currency, measured out in Shekels
3000 BC Banking developed in Mesopotamia
3000 BC? Punches used to stamp symbols on coins were a precursor to the printing press and modern coins
? BC Since ancient Persia and all the way up until the invention and expansion of the telegraph Homing Pigeons were used to carry messages
2000 BC Merchants in Assyria, India and Sumeria lent grain to farmers and traders as a precursor to banks
1700 BC In Babylon at the time of Hammurabi, in the 18th century BC, there are records of loans made by the priests of the temple.
1200 BC Shell money first used in China
1000-600 BC Crude metal coins first appear in China
640 BC Precious metal coins – Gold & Silver first used in ancient Lydia and coastal Greek cities featuring face to face heads of a bull and a lion – first official minted currency made from electrum, a mixture of gold and silver
600-500 BC Atbash Cipher
A substitution Cipher used by ancient Hebrew scholars mapping the alphabet in reverse, for example, in English an A would be a Z, B a Y etc.
400 BC Skytale used by Sparta
474 BC Hundreds of gold coins from this era were discovered in Rome in 2018
350 BC Greek hydraulic semaphore system, an optical communication system developed by Aeneas Tacticus.
c200 BC Polybius Square
??? Wealthy stored coins in temples, where priests also lent them out
??? Rome was the first to create banking institutions apart from temples
118 BC First banknote in the form of 1 foot sq pieces of white deerskin
100-1 AD Caesar Cipher
193 Aureus, a gold coin of ancient Rome, minted by Septimius Severus
324 Solidus, pure gold coin, minted under Constantine’s rule, lasted until the late 8th century
600s Paper currency first developed in Tang Dynasty China during the 7th century, although true paper money did not appear until the 11th century, during the Song Dynasty, 960–1279
c757–796 Silver pennies based on the Roman denarius became the staple coin of Mercia in Great Britain around the time of King Offa
806 First paper banknotes used in China but isn’t widely accepted in China until 960
1024 The first series of standard government notes were issued in 1024 with denominations like 1 guàn (貫, or 700 wén), 1 mín (緡, or 1000 wén), up to 10 guàn. In 1039 only banknotes of 5 guàn and 10 guàn were issued, and in 1068 a denomination of 1 guàn was introduced which became forty percent of all circulating Jiaozi banknotes.
1040 The first movable type printer was invented in China and made of porcelain
? Some of the earliest forms of long distance communication were drums used by Native Africans and smoke signals used by Native Americans and Chinese
1088 Movable type in Song Dynasty China
1120 By the 1120s the central government officially stepped in and produced their own state-issued paper money (using woodblock printing)
1150 The Knights Templar issued bank notes to pilgrims. Pilgrims deposited their valuables with a local Templar preceptory before embarking, received a document indicating the value of their deposit, then used that document upon arrival in the Holy Land to retrieve their funds in an amount of treasure of equal value.
1200s-1300s During the 13th century bankers from north Italy, collectively known as Lombards, gradually replace the Jews in their traditional role as money-lenders to the rich and powerful. – Florence, Venice and Genoa - The Bardi and Peruzzi Families dominated banking in 14th century Florence, establishing branches in many other parts of Europe
1200 By the time Marco Polo visited China they’d move from coins to paper money, who introduced the concept to Europe. An inscription warned, "All counterfeiters will be decapitated." Before the use of paper, the Chinese used coins that were circular, with a rectangular hole in the middle. Several coins could be strung together on a rope. Merchants in China, if they became rich enough, found that their strings of coins were too heavy to carry around easily. To solve this problem, coins were often left with a trustworthy person, and the merchant was given a slip of paper recording how much money they had with that person. Marco Polo's account of paper money during the Yuan Dynasty is the subject of a chapter of his book, The Travels of Marco Polo, titled "How the Great Kaan Causeth the Bark of Trees, Made Into Something Like Paper, to Pass for Money All Over his Country."
1252 Florin minted in Florence, becomes the hard currency of its day helping Florence thrive economically
1340 Double-entry bookkeeping - The clerk keeping the accounts for the Genoese firm of Massari painstakingly fills in the ledger for the year 1340.
1397 Medici Bank established
1450 Johannes Gutenberg builds the printing press – printed words no longer just for the rich
1455 Paper money disappears from China
1466 Polyalphabetic Cipher
1466 Rotating cipher disks – Vatican – greatest crypto invention in 1000 yrs – the first system to challenge frequency analysis
1466 First known mechanical cipher machine
1472 The oldest bank still in existence founded, Banca Monte dei Paschi di Siena, headquartered in Siena, Italy
1494 Double-entry bookkeeping system codified by Luca Pacioli
1535 Wampum, a form of currency used by Native Americans, a string of beads made from clamshells, is first document.
1553 Vigenere Cipher
1557 Phillip II of Spain managed to burden his kingdom with so much debt (as the result of several pointless wars) that he caused the world's first national bankruptcy — as well as the world's second, third and fourth, in rapid succession.
1577 Newspaper in Korea
1586 The Babington Plot
1590 Cabinet Noir was established in France. Its mission was to open, read and reseal letters, and great expertise was developed in the restoration of broken seals. In the knowledge that mail was being opened, correspondents began to develop systems to encrypt and decrypt their letters. The breaking of these codes gave birth to modern systematic scientific code breaking.
1600s Promissory banknotes began in London
1600s By the early 17th century banking begins also to exist in its modern sense - as a commercial service for customers rather than kings. – Late 17th century we see cheques slowly gains acceptance
The total of the money left on deposit by a bank's customers is a large sum, only a fraction of which is usually required for withdrawals. A proportion of the rest can be lent out at interest, bringing profit to the bank. When the customers later come to realize this hidden value of their unused funds, the bank's profit becomes the difference between the rates of interest paid to depositors and demanded from debtors.
The transformation from moneylenders into private banks is a gradual one during the 17th and 18th centuries. In England it is achieved by various families of goldsmiths who early in the period accept money on deposit purely for safe-keeping. Then they begin to lend some of it out. Finally, by the 18th century, they make banking their business in place of their original craft as goldsmiths.
1605 Newspaper in Straussburg
c1627 Great Cipher
1637 Wampum is declared as legal tender in the U.S. (where we got the slang word “clams” for money)
1656 Johan Palmstruch establishes the Stockholm Banco
1661 Paper Currency reappears in Europe, soon became common - The goldsmith-bankers of London began to give out the receipts as payable to the bearer of the document rather than the original depositor
1661 Palmstruch issues credit notes which can be exchanged, on presentation to his bank, for a stated number of silver coins
1666 Stockholms Banco, the predecessor to the Central Bank of Sweden issues the first paper money in Europe. Soon went bankrupt for printing too much money.
1667 He issues more notes than his bank can afford to redeem with silver and winds up in disgrace, facing a death penalty (commuted to imprisonment) for fraud.
1668 Bank of Sweden – today the 2nd oldest surviving bank
1694 First Central Bank established in the UK was the first bank to initiate the permanent issue of banknotes
Served as model for most modern central banks.
The modern banknote rests on the assumption that money is determined by a social and legal consensus. A gold coin's value is simply a reflection of the supply and demand mechanism of a society exchanging goods in a free market, as opposed to stemming from any intrinsic property of the metal. By the late 17th century, this new conceptual outlook helped to stimulate the issue of banknotes.
1700s Throughout the commercially energetic 18th century there are frequent further experiments with bank notes - deriving from a recognized need to expand the currency supply beyond the availability of precious metals.
1710 Physiocracy
1712 First commercial steam engine
1717 Master of the Royal Mint Sir Isaac Newton established a new mint ratio between silver and gold that had the effect of driving silver out of circulation (bimetalism) and putting Britain on a gold standard.
1735 Classical Economics – markets regulate themselves when free of intervention
1744 Mayer Amschel Rothschild, Founder of the Rothschild Banking Empire, is Born in Frankfurt, Germany
Mayer Amschel Rothschild extended his banking empire across Europe by carefully placing his five sons in key positions. They set up banks in Frankfurt, Vienna, London, Naples, and Paris. By the mid 1800’s they dominated the banking industry, lending to governments around the world and people such as the Vanderbilts, Carnegies, and Cecil Rhodes.
1745 There was a gradual move toward the issuance of fixed denomination notes in England standardized printed notes ranging from £20 to £1,000 were being printed.
1748 First recorded use of the word buck for a dollar, stemming from the Colonial period in America when buck skins were commonly traded
1757 Colonial Scrip Issued in US
1760s Mayer Amschel Rothschild establishes his banking business
1769 First steam powered car
1775-1938 US Diplomatic Codes & Ciphers by Ralph E Weber used – problems were security and distribution
1776 American Independence
1776 Adam Smith’s Invisible Hand theory helped bankers and money-lenders limit government interference in the banking sector
1781 The Bank of North America was a private bank first adopted created the US Nation's first de facto central bank. When shares in the bank were sold to the public, the Bank of North America became the country's first initial public offering. It lasted less than ten years.
1783 First steamboat
1791 Congress Creates the First US Bank – A Private Company, Partly Owned by Foreigners – to Handle the Financial Needs of the New Central Government. First Bank of the United States, a National bank, chartered for a term of twenty years, it was not renewed in 1811.
Previously, the 13 states had their own banks, currencies and financial institutions, which had an average lifespan of about 5 years.
1792 First optical telegraph invented where towers with telescopes were dispersed across France 12-25 km apart, relaying signals according to positions of arms extended from the top of the towers.
1795 Thomas Jefferson invents the Jefferson Disk Cipher or Wheel Cipher
1797 to 1821 Restriction Period by England of trading banknotes for silver during Napoleonic Wars
1797 Currency Crisis
Although the Bank was originally a private institution, by the end of the 18th century it was increasingly being regarded as a public authority with civic responsibility toward the upkeep of a healthy financial system.
1799 First paper machine
1800 Banque de France – France’s central bank opens to try to improve financing of the war
1800 Invention of the battery
1801 Rotchschild Dynasty begins in Frankfurt, Holy Roman Empire – established international banking family through his 5 sons who established themselves in London, Paris, Frankfurt, Vienna, and Naples
1804 Steam locomotive
1807 Internal combustion engine and automobile
1807 Robert Fulton expands water transportation and trade with the workable steamboat.
1809 Telegraphy
1811 First powered printing press, also first to use a cylinder
1816 The Privately Owned Second Bank of the US was Chartered – It Served as the Main Depository for Government Revenue, Making it a Highly Profitable Bank – charter not renewed in 1836
1816 The first working telegraph was built using static electricity
1816 Gold becomes the official standard of value in England
1820 Industrial Revolution
c1820 Neoclassical Economics
1821 British gov introduces the gold standard - With governments issuing the bank notes, the inherent danger is no longer bankruptcy but inflation.
1822 Charles Babbage, considered the "father of the computer", begins building the first programmable mechanical computer.
1832 Andrew Jackson Campaigns Against the 2nd Bank of the US and Vetoes Bank Charter Renewal
Andrew Jackson was skeptical of the central banking system and believed it gave too few men too much power and caused inflation. He was also a proponent of gold and silver and an outspoken opponent of the 2nd National Bank. The Charter expired in 1836.
1833 President Jackson Issues Executive Order to Stop Depositing Government Funds Into Bank of US
By September 1833, government funds were being deposited into state chartered banks.
1833-1837 Manufactured “boom” created by central bankers – money supply Increases 84%, Spurred by the 2nd Bank of the US
The total money supply rose from $150 million to $267 million
1835 Jackson Escapes Assassination. Assassin misfired twice.
1837-1862 The “Free Banking Era” there was no formal central bank in the US, and banks issued their own notes again
1838 First Telegram sent using Morse Code across 3 km, in 1844 he sent a message across 71 km from Washington DC to Baltimore.
1843 Ada Lovelace published the first algorithm for computing
1844 Modern central bank of England established - meaning only the central bank of England could issue banknotes – prior to that commercial banks could issue their own and were the primary form of currency throughout England
the Bank of England was restricted to issue new banknotes only if they were 100% backed by gold or up to £14 million in government debt.
1848 Communist Manifesto
1850 The first undersea telegraphic communications cable connected France in England after latex produced from the sap of the Palaquium gutta tree in 1845 was proposed as insulation for the underwater cables.
1852 Many countries in Europe build telegram networks, however post remained the primary means of communication to distant countries.
1855 In England fully printed notes that did not require the name of the payee and the cashier's signature first appeared
1855 The printing telegraph made it possible for a machine with 26 alphabetic keys to print the messages automatically and was soon adopted worldwide.
1856 Belgian engineer Charles Bourseul proposed telephony
1856 The Atlantic Telegraph company was formed in London to stretch a commercial telegraph cable across the Atlantic Ocean, completed in 1866.
1860 The Pony Express was founded, able to deliver mail of wealthy individuals or government officials from coast to coast in 10 days.
1861 The East coast was connected to the West when Western Union completed the transcontinental telegraph line, putting an end to unprofitable The Pony Express.
1862-1863 First US banknotes - Lincoln Over Rules Debt-Based Money and Issues Greenbacks to Fund Civil War
Bankers would only lend the government money under certain conditions and at high interest rates, so Lincoln issued his own currency – “greenbacks” – through the US Treasury, and made them legal tender. His soldiers went on to win the war, followed by great economic expansion.
1863 to 1932 “National Banking Era” Commercial banks in the United States had legally issued banknotes before there was a national currency; however, these became subject to government authorization from 1863 to 1932
1864 Friedrich Wilhelm Raiffeisen founded the first rural credit union in Heddesdorf (now part of Neuwied) in Germany. By the time of Raiffeisen's death in 1888, credit unions had spread to Italy, France, the Netherlands, England, Austria, and other nations
1870 Long-distance telegraph lines connected Britain and India.
c1871 Marginalism - The doctrines of marginalism and the Marginal Revolution are often interpreted as a response to the rise of the worker's movement, Marxian economics and the earlier (Ricardian) socialist theories of the exploitation of labour.
1871 Carl Menger’s Principles of Economics – Austrian School
1872 Marx’s Das Capital
1872 Australia becomes the first nation to be connected to the rest of the world via submarine telegraph cables.
1876 Alexander Graham Bell patented the telephone, first called the electric speech machine – revolutionized communication
1877 Thomas Edison – Phonograph
1878 Western Union, the leading telegraph provider of the U.S., begins to lose out to the telephone technology of the National Bell Telephone Company.
1881 President James Garfield, Staunch Proponent of “Honest Money” Backed by Gold and Silver, was Assassinated
Garfield opposed fiat currency (money that was not backed by any physical object). He had the second shortest Presidency in history.
1882 First description of the one-time pad
1886 First gas powered car
1888 Ballpoint pen
1892 Cinematograph
1895 System of wireless communication using radio waves
1896 First successful intercontinental telegram
1898 Polyethylene
1899 Nickel-cadmium battery
1907 Banking Panic of 1907
The New York Stock Exchange dropped dramatically as everyone tried to get their money out of the banks at the same time across the nation. This banking panic spurred debate for banking reform. JP Morgan and others gathered to create an image of concern and stability in the face of the panic, which eventually led to the formation of the Federal Reserve. The founders of the Federal Reserve pretended like the bankers were opposed to the idea of its formation in order to mislead the public into believing that the Federal Reserve would help to regulate bankers when in fact it really gave even more power to private bankers, but in a less transparent way.
1908 St Mary’s Bank – first credit union in US
1908 JP Morgan Associate and Rockefeller Relative Nelson Aldrich Heads New National Monetary Commission
Senate Republican leader, Nelson Aldrich, heads the new National Monetary Commission that was created to study the cause of the banking panic. Aldrich had close ties with J.P. Morgan and his daughter married John D. Rockefeller.
1910 Bankers Meet Secretly on Jekyll Island to Draft Federal Reserve Banking Legislation
Over the course of a week, some of the nation’s most powerful bankers met secretly off the coast of Georgia, drafting a proposal for a private Central Banking system.
1913 Federal Reserve Act Passed
Two days before Christmas, while many members of Congress were away on vacation, the Federal Reserve Act was passed, creating the Central banking system we have today, originally with gold backed Federal Reserve Notes. It was based on the Aldrich plan drafted on Jekyll Island and gave private bankers supreme authority over the economy. They are now able to create money out of nothing (and loan it out at interest), make decisions without government approval, and control the amount of money in circulation.
1913 Income tax established -16th Amendment Ratified
Taxes ensured that citizens would cover the payment of debt due to the Central Bank, the Federal Reserve, which was also created in 1913.The 16th Amendment stated: “The Congress shall have power to lay and collect taxes on incomes, from whatever source derived, without apportionment among the several States, and without regard to any census or enumeration.”
1914 November, Federal Reserve Banks Open
JP Morgan and Co. Profits from Financing both sides of War and Purchasing Weapons
J.P. Morgan and Co. made a deal with the Bank of England to give them a monopoly on underwriting war bonds for the UK and France. They also invested in the suppliers of war equipment to Britain and France.
1914 WWI
1917 Teletype cipher
1917 The one-time pad
1917 Zimmerman Telegram intercepted and decoded by Room 40, the cryptanalysis department of the British Military during WWI.
1918 GB returns to gold standard post-war but it didn’t work out
1919 First rotor machine, an electro-mechanical stream ciphering and decrypting machine.
1919 Founding of The Cipher Bureau, Poland’s intelligence and cryptography agency.
1919-1929 The Black Chamber, a forerunner of the NSA, was the first U.S. cryptanalytic organization. Worked with the telegraph company Western Union to illegally acquire foreign communications of foreign embassies and representatives. It was shut down in 1929 as funding was removed after it was deemed unethical to intercept private domestic radio signals.
1920s Department stores, hotel chains and service staions begin offering customers charge cards
1921-1929 The “Roaring 20’s” – The Federal Reserve Floods the Economy with Cash and Credit
From 1921 to 1929 the Federal Reserve increased the money supply by $28 billion, almost a 62% increase over an eight-year period.[3] This artificially created another “boom”.
1927 Quartz clock
1928 First experimental Television broadcast in the US.
1929 Federal Reserve Contracts the Money Supply
In 1929, the Federal Reserve began to pull money out of circulation as loans were paid back. They created a “bust” which was inevitable after issuing so much credit in the years before. The Federal Reserve’s actions triggered the banking crisis, which led to the Great Depression.
1929 October 24, “Black Thursday”, Stock Market Crash
The most devastating stock market crash in history. Billions of dollars in value were consolidated into the private banker’s hands at the expense of everyone else.
1930s The Great Depression marked the end of the gold standard
1931 German Enigma machines attained and reconstructed.
1932 Turbo jet engine patented
1933 SEC founded - passed the Glass–Steagall Act, which separated investment banking and commercial banking. This was to avoid more risky investment banking activities from ever again causing commercial bank failures.
1933 FM Radio
1933 Germany begins Telex, a network of teleprinters sending and receiving text based messages. Post WWII Telex networks began to spread around the world.
1936 Austrian engineer Paul Eisler invented Printed circuit board
1936 Beginning of the Keynesian Revolution
1937 Typex, British encryption machines which were upgraded versions of Enigma machines.
1906 Teletypewriters
1927 Founding of highly secret and unofficial Signal Intelligence Service, SIS, the U.S. Army’s codebreaking division.
1937 Made illegal for Americans to own gold
1938 Z1 built by Konrad Zuse is the first freely programmable computer in the world.
1939 WWII – decline of the gold standard which greatly restricted policy making
1939-45 Codetalkers - The Navajo code is the only spoken military code never to have been deciphered - "Were it not for the Navajos, the Marines would never have taken Iwo Jima."—Howard Connor
1940 Modems
1942 Deciphering Japanese coded messages leads to a turning point victory for the U.S. in WWII.
1943 At Bletchley Park, Alan Turing and team build a specialized cipher-breaking machine called Heath Robinson.
1943 Colossus computer built in London to crack the German Lorenz cipher.
1944 Bretton Woods – convenient after the US had most of the gold
1945 Manhattan Project – Atom Bomb
1945 Transatlantic telephone cable
1945 Claude E. Shannon published "A mathematical theory of cryptography", commonly accepted as the starting point for development of modern cryptography.
C1946 Crypto Wars begin and last to this day
1946 Charg-it card created by John C Biggins
1948 Atomic clock
1948 Claude Shannon writes a paper that establishes the mathematical basis of information theory
1949 Info theorist Claude Shannon asks “What does an ideal cipher look like?” – one time pad – what if the keys are not truly random
1950 First credit card released by the Diners Club, able to be used in 20 restaurants in NYC
1951 NSA, National Security Agency founded and creates the KL-7, an off-line rotor encryption machine
1952 First thermonuclear weapon
1953 First videotape recorder
1953 Term “Hash” first used meaning to “chop” or “make a mess” out of something
1954 Atomic Energy Act (no mention of crypto)
1957 The NSA begins producing ROMOLUS encryption machines, soon to be used by NATO
1957 First PC – IBM
1957 First Satellite – Sputnik 1
1958 Western Union begins building a nationwide Telex network in the U.S.
1960s Machine readable codes were added to the bottom of cheques in MICR format, which speeded up the clearing and sorting process
1960s Financial organizations were beginning to require strong commercial encryption on the rapidly growing field of wired money transfer.
1961 Electronic clock
1963 June 4, Kennedy Issued an Executive Order (11110) that Authorized the US Treasury to Issue Silver Certificates, Threatening the Federal Reserve’s Monopoly on Money
This government issued currency would bypass the governments need to borrow from bankers at interest.
1963 Electronic calculator
1963 Nov. 22, Kennedy Assassinated
1963 Johnson Reverses Kennedy’s Banking Rule and Restores Power to the Federal Reserve
1964 8-Track
1964 LAN, Local Area Networks adapters
1965 Moore’s Law by CEO of Intel Gordon Moore observes that the number of components per integrated circuit doubles every year, and projected this rate of growth would continue for at least another decade. In 1975 he revised it to every two years.
1967 First ATM installed at Barclay’s Bank in London
1968 Cassette Player introduced
1969 First connections of ARPANET, predecessor of the internet, are made. started – SF, SB, UCLA, Utah (now Darpa) – made to stay ahead of the Soviets – there were other networks being built around the world but it was very hard to connect them – CERN in Europe
1970s Stagflation – unemployment + inflation, which Keynesian theory could not explain
1970s Business/commercial applications for Crypto emerge – prior to this time it was militarily used – ATMs 1st got people thinking about commercial applications of cryptography – data being sent over telephone lines
1970s The public developments of the 1970s broke the near monopoly on high quality cryptography held by government organizations.
Use of checks increased in 70s – bringing about ACH
One way functions...
A few companies began selling access to private networks – but weren’t allowed to connect to the internet – business and universities using Arpanet had no commercial traffic – internet was used for research, not for commerce or advertising
1970 Railroads threatened by the growing popularity of air travel. Penn Central Railroad declares bankruptcy resulting in a $3.2 billion bailout
1970 Conjugate coding used in an attempt to design “money physically impossible to counterfeit”
1971 The US officially removes the gold standard
1971 Email invented
1971 Email
1971 First microcomputer on a chip
1971 Lockheed Bailout - $1.4 billion – Lockheed was a major government defense contractor
1972 First programmable word processor
1972 First video game console
1973 SWIFT established
1973 Ethernet invented, standardized in ‘83
1973 Mobile phone
1973 First commercial GUI – Xerox Alto
1973 First touchscreen
1973 Emails made up more than ¾ of ARPANET’s packets – people had to keep a map of the network by their desk – so DNS was created
1974 A protocol for packet network intercommunication – TCP/IP – Cerf and Kahn
1974 Franklin National Bank Bailout - $1.5 billion (valued at that time) - At the time, it was the largest bank failure in US history
1975 New York City Bailout - $9.4 billion – NYC was overextended
1975 W DES - meant that commercial uses of high quality encryption would become common, and serious problems of export control began to arise.
1975 DES, Data Encryption Standard developed at IBM, seeking to develop secure electronic communications for banks and large financial organizations. DES was the first publicly accessible cipher to be 'blessed' by a national agency such as the NSA. Its release stimulated an explosion of public and academic interest in cryptography.
1975 Digital camera
1975 Altair 8800 sparks the microprocessor revolution
1976 Bretton Woods ratified (lasted 30 years) – by 80’s all nations were using floating currencies
1976 New Directions in Cryptography published by Diffie & Hellman – this terrified Fort Meade – previously this technique was classified, now it’s public
1976 Apple I Computer – Steve Wozniak
1976 Asymmetric key cryptosystem published by Whitfield Diffie and Martin Hellman.
1976 Hellman and Diffie publish New Directions in Cryptography, introducing a radically new method of distributing cryptographic keys, contributing much to solving key distribution one of the fundamental problems of cryptography. It brought about the almost immediate public development of asymmetric key algorithms. - where people can have 2 sets of keys, public and private
1977 Diffie & Hellman receive letter from NSA employee JA Meyer that they’re violating Federal Laws comparable to arms export – this raises the question, “Can the gov prevent academics from publishing on crypto?
1977 DES considered insecure
1977 First handheld electronic game
1977 RSA public key encryption invented
1978 McEliece Cryptosystem invented, first asymmetric encryption algorithm to use randomization in the encryption process
1980s Large data centers began being built to store files and give users a better faster experience – companies rented space from them - Data centers would not only store data but scour it to show people what they might want to see and in some cases, sell data
1980s Reaganomics and Thatcherism
1980 A decade of intense bank failures begins; the FDIC reports that 1,600 were either closed or received financial assistance from 1980 to 1994
1980 Chrysler Bailout – lost over $1 billion due to major hubris on the part of its executives - $1.5 billion one of the largest payouts ever made to a single corporation.
1980 Protocols for public key cryptosystems – Ralph Merkle
1980 Flash memory invented – public in ‘84
1981 “Untraceable Electronic Mail, Return Addresses and Digital Pseudonumns” – Chaum
1981 EFTPOS, Electronic funds transfer at point of sale is created
1981 IBM Personal Computer
1982 “The Ethics of Liberty” Murray Rothbard
1982 Commodore 64
1982 CD
1983 Satellite TV
1983 First built in hard drive
1983 C++
1983 Stereolithography
1983 Blind signatures for untraceable payments
Mid 1980s Use of ATMs becomes more widespread
1984 Continental Illinois National Bank and Trust bailed out due to overly aggressive lending styles and - the bank’s downfall could be directly traced to risk taking and a lack of due diligence on the part of bank officers - $9.5 billion in 2008 money
1984 Macintosh Computer - the first mass-market personal computer that featured a graphical user interface, built-in screen and mouse
1984 CD Rom
1985 Zero-Knowledge Proofs first proposed
1985 300,000 simultaneous telephone conversations over single optical fiber
1985 Elliptic Curve Cryptography
1987 ARPANET had connected over 20k guarded computers by this time
1988 First private networks email servers connected to NSFNET
1988 The Crypto Anarchists Manifesto – Timothy C May
1988 ISDN, Integrated Services Digital Network
1989 Savings & Loan Bailout - After the widespread failure of savings and loan institutions, President George H. W. Bush signed and Congress enacted the Financial Institutions Reform Recovery and Enforcement Act - This was a taxpayer bailout of about $200 billion
1989 First commercial emails sent
1989 Digicash - Chaum
1989 Tim Berners-Lee and Robert Cailliau built the prototype system which became the World Wide Web, WWW
1989 First ISPs – companies with no network of their own which connected people to a local network and to the internet - To connect to a network your computer placed a phone call through a modem which translated analog signals to digital signals – dial-up was used to connect computers as phone lines already had an extensive network across the U.S. – but phone lines weren’t designed for high pitched sounds that could change fast to transmit large amounts of data
1990s Cryptowars really heat up...
1990s Some countries started to change their laws to allow "truncation"
1990s Encryption export controls became a matter of public concern with the introduction of the personal computer. Phil Zimmermann's PGP cryptosystem and its distribution on the Internet in 1991 was the first major 'individual level' challenge to controls on export of cryptography. The growth of electronic commerce in the 1990s created additional pressure for reduced restrictions.[3] Shortly afterward, Netscape's SSL technology was widely adopted as a method for protecting credit card transactions using public key cryptography.
1990 NSFNET replaced Arpanet as backbone of the internet with more than 500k users
Early 90s Dial up provided through AOL and Compuserve
People were leery to use credit cards on the internet
1991 How to time-stamp a digital doc - Stornetta
1991 Phil Zimmermann releases the public key encryption program Pretty Good Privacy (PGP) along with its source code, which quickly appears on the Internet. He distributed a freeware version of PGP when he felt threatened by legislation then under consideration by the US Government that would require backdoors to be included in all cryptographic products developed within the US. Expanded the market to include anyone wanting to use cryptography on a personal computer (before only military, governments, large corporations)
1991 WWW (Tim Berners Lee) – made public in ‘93 – flatten the “tree” structure of the internet using hypertext – reason for HTTP//:WWW – LATER HTTPS for more security
1992 Erwise – first Internet Browser w a graphical Interface
1992 Congress passed a law allowing for commercial traffic on NSFNET
1992 Cpherpunks, Eric Hughes, Tim C May and John Gilmore – online privacy and safety from gov – cypherpunks write code so it can be spread and not shut down (in my earlier chapter)
1993 Mosaic – popularized surfing the web ‘til Netscape Navigator in ’94 – whose code was later used in Firefox
1993 A Cypherpunks Manifesto – Eric Hughes
1994 World’s first online cyberbank, First Virtual, opened for business
1994 Bluetooth
1994 First DVD player
1994 Stanford Federal Credit Union becomes the first financial institution to offer online internet banking services to all of its members in October 1994
1994 Internet only used by a few
1994 Cybercash
1994 Secure Sockets Layer (SSL) encryption protocol released by Netscape. Making financial transactions possible.
1994 One of the first online purchases was made, a Pizza Hut pepperoni pizza with mushrooms and extra cheese
1994 Cyphernomicon published – social implication where gov can’t do anything about it
1994-1999 Social Networking – GeoCities (combining creators and users) – had 19M users by ’99 – 3rd most popular after AOL and Yahoo – GeoCities purchased by Yahoo for $3.6B but took a hit after dotcom bubble popped and never recovered – GC shut down in ‘99
1995-2000 Dotcom bubble – Google, Amazon, Facebook: get over 600M visitors/year
1995 DVD
1995 MP3 term coined for MP3 files, the earlier development of which stretches back into the ‘70s, where MP files themselves where developed throughout the ‘90s
1995 NSFNET shut down and handed everything over to the ISPs
1995 NSA publishes the SHA1 hash algorithm as part of its Digital Signature Standard.
1996, 2000 President Bill Clinton signing the Executive order 13026 transferring the commercial encryption from the Munition List to the Commerce Control List. This order permitted the United States Department of Commerce to implement rules that greatly simplified the export of proprietary and open source software containing cryptography, which they did in 2000 - The successful cracking of DES likely helped gather both political and technical support for more advanced encryption in the hands of ordinary citizens - NSA considers AES strong enough to protect information classified at the Top Secret level
1996 e-gold
1997 WAP, Wireless Access Point
1997 NSA researchers published how to mint e cash
1997 Adam Back – HashCash – used PoW – coins could only be used once
1997 Nick Szabo – smart contracts “Formalizing and Securing Relationships on Public Networks”
1998 OSS, Open-source software Initiative Founded
1998 Wei Dai – B-money – decentralized database to record txs
1998 Bitgold
1998 First backdoor created by hackers from Cult of the Dead Cow
1998 Musk and Thiel founded PayPal
1998 Nick Szabo says crypto can protect land titles even if thugs take it by force – said it could be done with a timestamped database
1999 Much of the Glass-Steagal Act repealed - this saw US retail banks embark on big rounds of mergers and acquisitions and also engage in investment banking activities.
1999 Milton Friedman says, “I think that the Internet is going to be one of the major forces for reducing the role of government. The one thing that's missing, but that will soon be developed, is a reliable e-cash - a method whereby on the Internet you can transfer funds from A to B without A knowing B or B knowing A.”
1999 European banks began offering mobile banking with the first smartphones
1999 The Financial Services Modernization Act Allows Banks to Grow Even Larger
Many economists and politicians have recognized that this legislation played a key part in the subprime mortgage crisis of 2007.
1999-2001 Napster, P2P file sharing – was one of the fastest growing businesses in history – bankrupt for paying musicians for copyright infringement

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How to Find Bitcoin ATM near Me

How to Find Bitcoin ATM near Me
How to Find Bitcoin ATM near Me
By DOBI ATM
Abstract
Bitcoin ATM is still not that easy to find because they are not in huge numbers as tradition ATMs yet, though everybody knows bitcoin. To help you get involved in cryptocurrency world better, this tutorial tells where you can find bitcoin ATMs around you easily either using app or computer.

Most of us are aware of the revolutionary blockchain technology and the main use in finance with bitcoin in the payment system. And it’s widely-known to us all that there are mainly two methods to buy bitcoin and other altcoins:
  • Go to top cryptocurrency exchange like Binance, OKEx, Huobi, dobtrade, Bithumb, CoinbasePro, etc.
  • Use cash via the bitcoin ATM machine.
I dare to say that the bitcoin ATM is the most easy and convenient way because it can use cash, bankcard/credit card and other financial banknote like Tangem. The majority of people prefer the bitcoin ATM for its deposit and withdraw functions. On the one hand, it’s the most effective alternative to exchange without the need to reveal personal privacy data(Most requires KYL/AML for regulation compliance; On the other hand the whole suite machine is an easy solution to cryptocurrency payment. This means you can use your bticoin to pay for your daily stuff.
If you have no idea what bitcoin ATM is, click here to grab some basic knowledge about bitcoin and bitcoin ATM industry.

Bitcoin ATM is still not that easy to find because they are not in huge numbers as tradition ATMs yet, though everybody knows bitcoin. To help you get involved in cryptocurrency world better, this tutorial tells where you can find bitcoin ATMs around you easily.

Find bitcoin ATM near Me

Everybody in cryptocurrency world would not doubt that coinatmradar is the best platform for Bitcoin ATMs for both manufacturers and ordinary users. It has both website portal and mobile app (both iOS and android available). The amazing service attracts crowds of people worldwide:
  • Find cyrptocurrency ATM manufacturers;
  • Find countries that has bitcoin ATMs with map
  • Crypto ATM software and hardware details( limits, fees, specifications )
  • Bitcoin ATM business guidelines for entrepreneurs (cost, revenue and marketing, etc.)
  • Comprehensive industry data and analysis for cryptocurrency ATM
In coinatmradar, there are mainly 4 ways to find the bitcoin ATM around:
1. Search directly from bticoin ATM MAP
https://coinatmradar.com/

https://preview.redd.it/otci5uarvzz11.png?width=1262&format=png&auto=webp&s=67238de5daaff1907535ec6ebc35ae9c7937d70c
2. Search by producer
https://coinatmradar.com/manufacturers/

https://preview.redd.it/obqvkjasvzz11.png?width=1222&format=png&auto=webp&s=cf6ad4a83901186bdb6cbff861358065826e67e8
3. Search by countries
https://coinatmradar.com/countries/
https://preview.redd.it/g4j8cmzsvzz11.png?width=1226&format=png&auto=webp&s=3b05f0a55320902e38e8ed8230a516d1fa0e4036
4. Search by address
https://coinatmradar.com/bitcoin-atm-near-me/

https://preview.redd.it/w5q2s2ptvzz11.png?width=1251&format=png&auto=webp&s=77ca26cd23b2c98b97378d6d0260500692c8f235

Coinatmradar Alernatives

There are also alternative methods to find cryptocurrency ATM that accept bitcoin and other digital coins.
  1. Google Map
  2. Yelp.
What you need to do is to use some keywords like “bitcoin ATM”, “cryptocurrency ATM” or just input “bitcoin ATM manufacturer” . The search engine will display the stores that are providing cryptocurrency payment service.

To sum up, the coinatmradar is the best platform for cryptocurrency ATMs. Some local search service website like google map and yelp is another easy option.

DOBI ATM--Leading Bitcoin ATM Manufacurer in China
DOBI ATM is the largest bitcoin ATM manufacturer in China. To be specific, it’s a cryptocurrency hardware and software provider under parent company Blockchain (Shenzhen) R&D Center in China. The DOBI ATM helps everyone acquire easy access to buy&sell digital asset with cash. Service covers ATM hardware( white lable), back-end ATM computer software developing, whole and retail available, ODM or OEM available.
Contact: [email protected]
Related articles:
What’s bitcoin ATM? The best Guideline for Crypto Beginners
How does a bitcoin ATM work?
Why use bitcoin ATM
How to use bitcoin ATM?
Bitcoin ATM Market overview
Who is DOBI ATM?

submitted by DOBI-ATM to DOBIATM [link] [comments]

Review/Summary on TokenPay ICO ($TPAY Coin)

What is TokenPay? They're creating an anonymous cryptocurrency based bank. The new bank will allow users to easily make anonymous payments to retailers and for online transactions. They hope to combine the benefits of traditional banks with the benefits of the new blockchain revolution. The new card will allow users to spend Bitcoin and a variety of cryptocurrencies including their own TPAY token.
How Does it work? The new cryptocurrency will use a Dual-Key stealth address.These addresses allow the user to share their address publicly but any transaction that is sent to the address cannot be linked back to it. This means that the payment will be completely anonymous
The current crypto market Cryptocurrency has seen huge growth during 2017, Bitcoin is still the biggest cryptocurrency by far with a huge coin price of over $17,000. Many new users have been introduced to the world of crypto this year and want to use it to make payments.
However Bitcoin is facing some major issues, transactions have become slow and expensive, nearly all transactions are costing $10 in fees, making it impossible to make any sort of small purchase with it.
Ethereum has also faced issues, the recent crypto kitties game showed that its blockchain still isnt able to successfully handle many transactions.
Why does TokenPay use the blockchain? The new blockchain that the project will be running on is from Bitcoin, this allows them to use all of the benefits that the blockchain has brought such as being safe and secure whilst adding their own beneficial features:
Extra security: The new blockchain will have additional security and anonymity features, many people believe Bitcoin to be anonymous, however this is far from the case. Tokenpay will be truly anonymous.
Proof of stake: Many people now view proof of stake to be far superior to the proof of work that Bitcoin uses. Proof of work needs miners who use computing power to solve problems, however this system has shown to use huge amounts of electric and is quickly being shown to not be scalable. The proof of stake system that the platform uses means that users who hold the token will receive interest for holding on to them. This creates a more economical system which also provides benefits for holding the tokens which should then see the price increase.
Coin supply and Proof of Stake rewards The new project will only ever have a small coin supply which is limited to 25 million coins, this is different to fiat currencies that people have become used to where governments can just decide to print more money. Miners (those holding coins) will be rewarded with 5% yearly interest.
Use of the Tor network for maximum security The project will make use of the tor network which has become famous for anonymity, this combined with their multi signature addresses will ensure privacy for users.
Advantages Fast speed of transactions, making it much more practical to use. The only coin to be completely private and have an encrypted chat. Monero is currently the most private cryptocurrency, however Tpay also has the advantages of running on the tor network aswell and having a secure chat. Many other currencies are supposedly anonymous but they still have faults making them linkable. 5% staking interest per year giving token holders an incentive to hold their tokens. Becoming a licensed bank Ofcourse TokenPay already has many benefits simply as a cryptocurrency for P2P transactions. However theyre also aiming to become an international bank. They plan to either set up a bank or purchase a bank based in Vanuatu. Theyre already in talks with this bank which already has an agreement with Mastercard, this will allow them to offer many banking services from the start. They plan to offer traditional banking services with the bank based around the Hong Kong $ that is pegged to USD.
Multi Currency debit card The new card will be linked to the Tpay digital wallets, meaning that its easy to load and then make purchases without the need for retailers to sign up to anything new, as far as retailers are concerned youll be paying in fiat with your crypto based card. A users tokens such as TokenPay, Bitcoin or other popular cryptocurrencies will be available to spend at any store that accepts debit cards. The cards will also be able to use ATM machines for customers to withdraw cash. The card will cost users just $15 with no fees if its being used in the users home country.
Payment processing The project also aims to offer payment processing for merchants. Fees for merchants will be as low as 0.25% which is far lower than most payment processing providers. This will allow retailers to receive payments in either fiat or cryptocurrency.
History and Roadmap Q2 2016:Got a partnership with UKSTOCKTRADE. Did a presentation at MIT fintech conference. Q4 2016: Due to the rise in demand for blockchain based projects the founders began to focus on cryptocurrency. They then established their headquarters in the British Virgin Islands. Q1 2017: Recruited a development team to build a more secure, private and faster type of cryptocurrency. Proprietary integration of the tor network. Created the stealth messaging system. Q2 2017: Launched the multi sig transaction system. Released the new paper wallets. Q3 2017: Set up a deal to acquire an established bank. Added a new ring signature feature to the blockchain. Q4 2017: Released the whitepaper and began the Tpay token sale. Q1 2018: Completing the ICO. Adding Tpay to popular exchanges. New Apply iOS wallet released. Due diligence of the bank integration. Q2 2018: Tpay website launched for commercial customers. Acquisition or partnership of the new bank. Merchant services application. Q3 2018: The new debit card is sent out to customers.
Tokenpay ICO Details The token sale is set to run until the 17th of January with 14,250,000 tokens available and is split up into 4 different sections with bonuses available:
Until the 13th December: 100% bonus on purchases. December 14th- January 3rd: 50% bonus available. January 410: 25% bonus available. January 1117: 10% bonus available. Price: 1 Bitcoin=2000 Tpay. Hardcap: 5000 Bitcoin. Tokens will be sent to investors within 30 days of the sale ending.
Conclusion Cryptocurrency has grown massively during 2017, however its still not being used for many real world transactions with the fees of most coins currently being too high. This new currency offers many benefits such as low fees and being anonymus. If it was to launch as just a currency then I think it would do very well. However its also launching as a bank which offers additional benefits. The team behind the project looks solid with some of them having a long history in the finance and banking world. If the project can stick to its road-map then Im sure the token price will rise very quickly.
www.tokenpay.com
submitted by PIQAS to icocrypto [link] [comments]

What Is Bitcoin ATM and How Does It Work---The Best Guideline for Crypto Beginners

What Is Bitcoin ATM and How Does It Work---The Best Guideline for Crypto Beginners
If you've heard Bitcoin and blockchain, it's no strange to hear bitcoin ATM. But the majorities only know nothing but the name itself. Why don't you grab some deep but basic knowledge about it before investiong in blockchain world?
In this article, you'll get:
  • The definition of bitcoin ATM( Inclueds comparision between tradition Bank ATM and crypto ones );
  • How the machine works (Listed two mjor model currently )
  • How to use a bitcoin ATM to buy&sell bitcoin with cash in minutes
Let's dive in~~~
Brief Overview-Bitcoin ATM Definition 
Bitcoin ATM is an internet-connected kiosk that allows to buy bitcoin with deposited cash. It usually comes with a computer system and an ATM machine that looks similar to the traditional bank ATM.
The kiosk connect the customers to an exchange in which bitcoin trading service is offered. Similar to the traditional bank, bitcoin ATM is mostly common seen in malls, coffee bars, grocery stores in US but from the global perspective, it’s still not widely used yet which is actually much seen in company offices. To search where to find Bitcoin ATM nearby, CoinatmRadar would be the best website that connects global crypto ATMs and displays on Google map.
Unlike the traditional bank ATM that is usually owned by bank or some large financial institution, the bitcoin ATM or cryptocurrency ATM is mostly run by companies like exchange platform, e-wallet in blockchain or cryptocurrency industry. But more and more relevant companies starts ATM business for its high profit.
Depending on the operators, customers would need to connect to their own digital wallet. Some ATM manufacturers/ATM operators even requires an exclusive digital wallet. To trading digital coins or deposit and top up might takes some service fees, too. Usually it ranges from 5%-10% as reported on CoinatmRadar.
What does Bitcoin ATM look like? 
Almost all bticoin ATMs offer buying digital coins with cash.
There are mainly two kinds Bitcoin ATM currently: one-way and two-way ATM.
One way ATM usually only offers to buy bitcoin. This means you can only use it to buy but cannot sell out.
Two way ATM offers buy bitcoin via cash and sell bitcoin for cash. This works as similarly to top up and withdraw cash as original bank ATM.
Here are pictures guide: It's hard to

DOBI Two-way Bitcoin ATM Machine

How to Use Bitcoin ATM: 
There is no better ways than video to display. Click Here watch how to use bitcoin ATM:
https://www.youtube.com/watch?v=WImCLQAUCXM

About DOBI ATM
DOBI ATM is cryptocurrency hardware manufacturer and software developer under head company Blockchain(Shenzhen) R&D Center in China. As a leading pioneer bitcoin ATM supplier in China, DOBI ATM has a strong technology team.
Website: www.dobiatm.com
Contact: [[email protected]](mailto:[email protected])
For business : [[email protected]](mailto:[email protected])
Reddit: www.reddit.com/DOBIATM/
submitted by DOBI-ATM to DOBIATM [link] [comments]

Request Vaynix listed on exchange

We want to apply to your exchange. We will be honored to be accepted on your exchange.
Our pre-sale started on 2 April 2018 and ends on 05 June 2018.
We have the request if your team will accept us, to be listed on June 5, 2018.
Here are some details about our community and the traffic we currently have.
Global Rank (Worldwide): 480,867
Russia: 15.49% United States: 10.73% Ukraine: 8.89% Vietnam: 8.54% India : 5.34%
Source (Link) Link: https://www.similarweb.com/website/vaynix.com#overview
TRAFFIC DAILY ESTIMATIONS Unique Visitors: 903 Unique Pageviews: 1,342
MONTHLY ESTIMATIONS Unique Visitors: 27,090 Unique Pageviews: 40,260
Source (Link): http://www.siteworthtraffic.com/report/vaynix.com
Telegram: 5 812 Members Source (Link): https://t.me/joinchat/ItCwUky56_sBsax1xLaIgQ
Twitter Followers: 3,534
Source (Link): https://twitter.com/VaynixVNX
Facebook Page: 1.731 likes
Source (Link): https://www.facebook.com/Vaynix-1048685878616337
Vaynix Information
Vaynix (VNX)
Contract Address: 0xbbf1885C21604Ef777009aCa8ff549EE96Bb3D7C Total Supply: 10,000,000,000 VNX Token Symbol: VNX Token Decimals: 18
What is Vaynix ?
-Vaynix iѕ a financial system & crypto currency thаt ореrаtеѕ with borderless interaction аrоund the glоbе, оnсе уоu are соnnесtеd tо intеrnеt, nо matter thе geographical diѕtаnсе bеtwееn thе ѕеndеr and rесеivеr. Is more than just a simple cryptocurrency it’s a tool that helps vendors, allow anonymous transaction focuses on privacy . Our vendors can sell their products, accept Vaynix through our platform,
ACCEPTED IN ENTIRE WORLD
-Our goal is to bring Vaynix to all users around the world . All user will be able to send, receive, withdraw Vaynix (VNX) at any time. Accepted by the vast majority of stores and vendors ,Vaynix will be privacy and all transactions will be anonymous.
VAYNIX VENDORS
-VAYNIX Marketplace will allow thousands of vendors around the world to get access to markets that they cannot afford now and will provide access to the audience of early adopters and technology fans Millions of customers will receive a unique range of one-of-a-kind products with no extra charges from intermediaries
PRIVACY
-Vaynix, a cryptocurrency that will focus on anonymity, Every users can use Vaynix as an anonymous payment method without anyone knowing who is behind that transaction, No one knows how much you sent or how much you received. No one knows how much money you have in your wallet. Secure your life with Vaynix
VAYNIX ATM
-In 2019 we will try to place our first ATMs in every capital of the world. Any user using our Vaynix platform will be able to withdraw real money using VNX
OUR FUTURE ?
-In 2019 we expect to see us on top 100 cryptocurrency Vaynix (VNX) being accepted by the greatest exchanges in the world Binance, Bittrex Cryptopia and many more. Vaynix will be able to be changed to BTC or ETH instant using our wallet. everyone will be able to withdraw Vaynix in FIAT using our own ATM placed around the world
DISTRIBUTION OF VAYNIX -Investors 80% -Team 15% -Bounty 3% -AirDrop 2%
OUR MAIN FOCUS -vendors -privacy -own atm
RoadMap April -> Involvement of advisors and financing for token sale June -> Accepted on major exchanges July -> Release Android Wallet Improve website Release Vendors Platform August-> improve browser wallet Release own exchange for our wallets ( Exchange VNX/BTC, VNX/ETH ) instant using your wallet even on the phone wallet September -> Release Desktop and Mac Wallets October -> Release IOS Wallet
In 2019 Everyone will be able to withdraw Vaynix in FIAT using our own ATM placed around the world
Official Website: https://vaynix.com Official Wallet: https://vaynix.com/wallet Official Twitter: https://twitter.com/VaynixVNX Official Facebook: https://www.facebook.com/Vaynix-1048685878616337 Telegram Group: https://t.me/joinchat/ItCwUky56_sBsax1xLaIgQ Telegram Announcement: https://t.me/vaynix Youtube Channel: https://www.youtube.com/channel/UC7DGeuCjTDZW933I5GrYxbQ BitcoinTalk: https://bitcointalk.org/index.php?topic=3239397.20 GitHub: https://github.com/vaynix/vaynix
submitted by Vaynixtoken to enclavesdex [link] [comments]

Beginner's Guideline: What's Bitcoin ATM and How to Use Bitcoin ATM?

Beginner's Guideline: What's Bitcoin ATM and How to Use Bitcoin ATM?
Two-way Bitcoin ATM Machine
Brief Overview
Bitcoin ATM is an internet-connected kiosk that allows to buy bitcoin with deposited cash. It usually comes with a computer system and an ATM machine that looks similar to the traditional bank ATM.
The kiosk connect the customers to an exchange in which bitcoin trading service is offered. Similar to the traditional bank, bitcoin ATM is mostly common seen in malls, coffee bars, grocery stores in US but from the global perspective, it’s still not widely used yet which is actually much seen in company offices. To search where to find Bitcoin ATM nearby, coinatmRadar would be the best website that connects all ATMs and displays on Google map.
Unlike the traditional bank ATM that is usually owned by bank or some large financial institution, the bitcoin ATM or cryptocurrency ATM is mostly run by companies like exchange platform, e-wallet in blockchain or cryptocurrency industry. But more and more relevant companies starts ATM business for its high profit.
Depending on the operators, customers would need to connect to their own digital wallet. Some ATM manufacturers/ATM operators even requires an exclusive digital wallet. To trading digital coins or deposit and top up might takes some service fees, too. Usually it ranges from 5%-10% as reported on coinatmRadar.
What does Bitcoin ATM look like?
Almost all bticoin ATMs offer buying digital coins with cash. There are mainly two kinds Bitcoin ATM currently: one-way and two-way ATM. One way ATM usually only offers to buy bitcoin. Two way ATM offers buy bitcoin via cash and sell bitcoin for cash. This works as similarly to top up and withdraw cash as original bank ATM.
YouTube video for reference:
How to Use Bitcoin ATM:
Click Here see how to use bitcoin ATM:
https://www.youtube.com/watch?v=WImCLQAUCXM
About DOBI ATM
DOBI ATM is cryptocurrency hardware manufacturer and software developer under company Blockchain( Shenzhen) R&D Center in China. As a leading pioneer bitcoin ATM supplier in China, DOBI ATM has a strong technology team.
Website: http://www.dobiatm.com/dobiatm.html
Contact: [[email protected]](mailto:[email protected])
submitted by DOBI-ATM to u/DOBI-ATM [link] [comments]

Review on TokenPay ICO - 1100 Bitcoins gathered so far!

What is TokenPay? They are creating an anonymous cryptocurrency based bank. The new bank will allow users to easily make anonymous payments to retailers and for online transactions. They hope to combine the benefits of traditional banks with the benefits of the new blockchain revolution. The new card will allow users to spend Bitcoin and a variety of cryptocurrencies including their own TPAY token.
How Does it work? The new cryptocurrency will use a Dual-Key stealth address.These addresses allow the user to share their address publicly but any transaction that is sent to the address cannot be linked back to it. This means that the payment will be completely anonymous
The current crypto market Cryptocurrency has seen huge growth during 2017, Bitcoin is still the biggest cryptocurrency by far with a huge coin price of over $17,000. Many new users have been introduced to the world of crypto this year and want to use it to make payments.
However Bitcoin is facing some major issues, transactions have become slow and expensive, nearly all transactions are costing $10 in fees, making it impossible to make any sort of small purchase with it. Ethereum has also faced issues, the recent crypto kitties game showed that its blockchain still isnt able to successfully handle many transactions.
Why does TokenPay use the blockchain? The new blockchain that the project will be running on is from Bitcoin, this allows them to use all of the benefits that the blockchain has brought such as being safe and secure whilst adding their own beneficial features:
Extra security: The new blockchain will have additional security and anonymity features, many people believe Bitcoin to be anonymous, however this is far from the case. Tokenpay will be truly anonymous. Proof of stake: Many people now view proof of stake to be far superior to the proof of work that Bitcoin uses. Proof of work needs miners who use computing power to solve problems, however this system has shown to use huge amounts of electric and is quickly being shown to not be scalable. The proof of stake system that the platform uses means that users who hold the token will receive interest for holding on to them. This creates a more economical system which also provides benefits for holding the tokens which should then see the price increase.
Coin supply and Proof of Stake rewards The new project will only ever have a small coin supply which is limited to 25 million coins, this is different to fiat currencies that people have become used to where governments can just decide to print more money. Miners (those holding coins) will be rewarded with 5% yearly interest.
Use of the Tor network for maximum security The project will make use of the tor network which has become famous for anonymity, this combined with their multi signature addresses will ensure privacy for users.
Advantages Fast speed of transactions, making it much more practical to use. The only coin to be completely private and have an encrypted chat. Monero is currently the most private cryptocurrency, however Tpay also has the advantages of running on the tor network aswell and having a secure chat. Many other currencies are supposedly anonymous but they still have faults making them linkable. 5% staking interest per year giving token holders an incentive to hold their tokens. Becoming a licensed bank Ofcourse TokenPay already has many benefits simply as a cryptocurrency for P2P transactions. However theyre also aiming to become an international bank. They plan to either set up a bank or purchase a bank based in Vanuatu. Theyre already in talks with this bank which already has an agreement with Mastercard, this will allow them to offer many banking services from the start. They plan to offer traditional banking services with the bank based around the Hong Kong $ that is pegged to USD.
Multi Currency debit card The new card will be linked to the Tpay digital wallets, meaning that its easy to load and then make purchases without the need for retailers to sign up to anything new, as far as retailers are concerned youll be paying in fiat with your crypto based card. A users tokens such as TokenPay, Bitcoin or other popular cryptocurrencies will be available to spend at any store that accepts debit cards. The cards will also be able to use ATM machines for customers to withdraw cash. The card will cost users just $15 with no fees if its being used in the users home country.
Payment processing The project also aims to offer payment processing for merchants. Fees for merchants will be as low as 0.25% which is far lower than most payment processing providers. This will allow retailers to receive payments in either fiat or cryptocurrency.
History and Roadmap Q2 2016:Got a partnership with UKSTOCKTRADE. Did a presentation at MIT fintech conference. Q4 2016: Due to the rise in demand for blockchain based projects the founders began to focus on cryptocurrency. They then established their headquarters in the British Virgin Islands. Q1 2017: Recruited a development team to build a more secure, private and faster type of cryptocurrency. Proprietary integration of the tor network. Created the stealth messaging system. Q2 2017: Launched the multi sig transaction system. Released the new paper wallets. Q3 2017: Set up a deal to acquire an established bank. Added a new ring signature feature to the blockchain. Q4 2017: Released the whitepaper and began the Tpay token sale. Q1 2018: Completing the ICO. Adding Tpay to popular exchanges. New Apply iOS wallet released. Due diligence of the bank integration. Q2 2018: Tpay website launched for commercial customers. Acquisition or partnership of the new bank. Merchant services application. Q3 2018: The new debit card is sent out to customers.
Tokenpay ICO Details The token sale is set to run until the 17th of January with 14,250,000 tokens available and is split up into 4 different sections with bonuses available:
Until the 13th December: 100% bonus on purchases. December 14th- January 3rd: 50% bonus available. January 410: 25% bonus available. January 1117: 10% bonus available. Price: 1 Bitcoin=3000 Tpay + 50% Hardcap: 5000 Bitcoin. Tokens will be sent to investors within 30 days of the sale ending.
Conclusion Cryptocurrency has grown massively during 2017, however its still not being used for many real world transactions with the fees of most coins currently being too high. This new currency offers many benefits such as low fees and being anonymus. If it was to launch as just a currency then I think it would do very well. However its also launching as a bank which offers additional benefits. The team behind the project looks solid with some of them having a long history in the finance and banking world. If the project can stick to its road-map then Im sure the token price will rise very quickly.
www.tokenpay.com
submitted by PinkGodfather to IcoInvestor [link] [comments]

GoByte - MasterNode Coin

GoByte - MasterNode Coin
GoByte (GBX) is a cryptocurrency based on Dash aimed at vendors to provide monetary services . GoByte features the masternode technology, which provides to the network near-instant and secure payments as well as anonymous transactions. The near-instant payments known as InstantSend technology, average at 1.3 seconds per transaction. The anonymous transactions known as PrivateSend technology, mix your funds trough the masternodes network, making near-impossible to trace back the origin of the funds.
GoByte Network is a modular network based on the blockchain technology. The GoByte's modules are developed independently yet, they all have the same blockchain as a core, and work all together to create a fast and secure network. Thanks to the modular structure of the GoByte's Network, modules can be updated independently without causing errors or issues with other modules. Our developers are working tirelessly on bringing new and innovative modules to be merged later with the other modules of the network. Every module is developed by its own team lead by a Senior Developer, this way we offer to our developers a clean canvas to be filled by their own imagination. The first and biggest module of the GoByte Network is the "Pay" module, which acts as a payment gateway, central bank and cold wallet at the same time. The "Pay" module is the network's center support, working directly on the blockchain, being able to create and execute transactions which will later be confirmed by the masternodes and miners.
Our project is not aiming to build the blockchain around the existing economy. We are aiming to create a new economy around the blockchain. The first step into building the GoByte Network economy is by providing liquidity and ways to acquire GBX coins. Therefore, a part of our current development team which has past experience into building, developing and maintaining bank ATMs that are currently being actively used around the word, have decided to build and develop our own ATMs and POS Terminals along with Card Reads and more. All of those devices will be directly linked to the GoByte Pay module which will attribute to the customers an identity and act as a central bank of the entire economic system. Allowing you to deposit, withdraw, perform payments, loan GBX coins, link or request GoByte Pay Debit/Credit cards to use with our ATMs, POS Terminals or CardReaders.
In order to create a self-sustaining economical system, GoByte had implemented the Governance feature, currently found in Dash and more other cryptocurrencies. The governance feature allows to the masternode holders to vote, fund or reject proposals submitted by the community, from event sponsorships to acts of charity or developer bounties. By funding projects, the community can sustain the media/events appearance and even the development, without the reliance of a central development team.
Specifications ◆ Algorithm NeoScrypt ◆ Block time 150 seconds ◆ Block Reward 15 GBX decreasing by ~15% every year ◆ Estimate Supply 31.8 Milllion ◆ Required 1000 GBX for Masternode ◆ Masternode 50-80% Block Reward ◆ Superior Difficulty Retargeting Using Dark Gravity Wave ◆ Superior Transaction Anonymity Using PrivateSend ◆ Difficulty retargets using Dark Gravity Wave ◆ 2.7% Premine*
Masternodes help keep integrity of network and enable support for Darksend and instant send. You need 1000 GBX to setup a masternode and start to earn rewards.
RoadMap Roadmap
GoByte Blockchain Start ◆ Launch Website (Done) ◆ Window, Mac and Linux Wallet Release (Done)
Get listed on Exchanges ◆ CoinsMarket — Completed ◆ Stock.Exchange — Completed ◆ CoinsExchange — Completed ◆ Cryptopia — Completed ◆ CryptoBridge — Completed ◆ HitBTC — Completed ◆ TradeSatoshi — Planned ◆ Upbit — Planned ◆ Kucoin — Planned
===[Q4 2017]=== ◆ Genesis Block and initial launch — Completed ○ Announcement on BitcoinTalk.com since block 2 — 17 Nov 2017 ◆ Website Release — Completed ◆ Windows, Mac OS, Linux Wallets Release — Completed ◆ Listing on first 4 small/medium sized exchanges — Completed ○ CoinsMarkets.com — 18 Nov 2017 ○ Stocks.Exchange — 19 Nov 2017 ○ Cryptopia.co.nz — 22 Nov 2017 ○ CoinExchange.io — 04 Dec 2017 ◆ Listing on useful Crypto websites — Completed ○ CoinMarketCap.com — 20 Nov 2017 ○ Masternodes.Online — 21 Nov 2017 ○ CryptoCompare.com — 22 Nov 2017 ○ CoinGecko.com — 26 Nov 2017 ○ CoinRanking.com — 04 Dec 2017 ○ CoinHodler.io — 04 Dec 2017 ○ Masternode.Pro — 05 Dec 2017 ○ WhatToMine.com — 02 Jan 2018
===[Q2 2018]=== ◆ Listing on decentralized exchanges [2/2] — Completed ○ BarterDEX — 05 Jan 2018 ○ Crypto-Bridge.org — 29 Jan 2018 ◆ Web Wallet — Completed. (integrated into "Pay" module) ◆ Android App — Under Dev. ○ Coinomi Multiwallet — 05 Jan 2018 ◆ IOS App — Under Dev. ◆ WhitePaper & Translation — Completed ◆ Dev. of "Pay" module — Under Dev. ◆ "Pay" module mobile apps — Under Dev. ◆ Listing on another 3 medium/big sized exchanges — Completed ○ HitBTC — 16 Apr 2018 ○ CoinSwitch — 04 May 2018 ○ IndaCoin Exchange — 17 May 2018
===[Q4 2018]=== ◆ Electronics Shop — Planned ◆ Starting the development of the "Market" module — Planned ◆ Atomic Swaps/Exchange — Reconsidering ◆ Marketing and Awareness campaign — Under Revision ◆ Hiring PR team — Under Revision ◆ Attract Merchants — Constant
===[Q1 2019]=== ◆ Start dev. of POS Terminals — Planned ◆ Testing GBX payments on vending machines — Planned ◆ Starting development of the "Overwatch" module — Planned ◆ Starting development of the "Mint" module — Planned ◆ Start building cloud mining farm. Share profits among MasterNode owners — Planned ◆ Hardware wallets for GoByte tokens — Planned ◆ Attract Merchants — Constant
===[Q3 2019]=== ◆ Smart Contracts — Reconsidering ◆ Starting development of the "Social" platform — Planned ◆ Founding or Partnering with an academy for "GoByte Academy" — Planned ◆ Founding the "Blockchain Innovation of the Year" event with prizes — Planned ◆ Attract Merchants — Constant
===[Future]=== ◆ AI that maps data and cryptographs it into a blockchain ?? — Future ◆ Quantum Ressistance ?? — Future ◆ New Algo ?? — Future ◆ Moving to DAG ?? — Future
Downloads https://github.com/gobytecoin/gobyte/releases/download/v0.12.1.3/GoByte_0.12.1.3_Windows64.zip https://github.com/gobytecoin/gobyte/releases/download/v0.12.1.3/GoByte_0.12.1.3_Windows32.zip https://drive.google.com/file/d/17lQ24gft63gC1ZZcljghau6LKTEmU4Sn/view https://github.com/gobytecoin/gobyte/archive/v0.12.1.3.tar.gz
Website https://gobyte.network/
submitted by D0WN3D to MasterNodes [link] [comments]

First time i Use a Bitcoin ATM 🤑 - YouTube How To Withdraw Cash From A Bitcoin ATM How to withdraw cash from BITCOIN ATM machine - YouTube How To Withdraw Cash From A Bitcoin or Crypto ATM How to withdraw cash from a bitcoin ATM - YouTube

According to data provided by the Bitcoin ATM Map, the installation speed of new ATMs has been growing since 2018. There are now 5,914 ATMs in total, of which more than 3,000 are located in North America. How to Buy or Sell Bitcoin Using ATM . When buying crypto, you will need to deposit cash in the currency you’re buying with. Then, the amount will be converted into the equivalent in BTC ... Cash Withdrawal from a Bitcoin ATM Machine. Before you withdraw cash, you should own Bitcoin and also have transactions stored in a wallet; The wallet address where the Bitcoin is stored must be available which serves as your private key, In cases where you own more than one wallet, simply select the one you want to use for the transaction Find Bitcoin ATM’s. Use this map to help find Bitcoin ATM locations. This map can show you a variety of things including the fee %, location, nearby amenities, type of machine, and type of transaction. If you have used an ATM and would like to add information about any of the things please use the ‘Report ATM’ button. If you are the owner of an ATM and would like the power to edit your ... Find Bitcoin ATM locations easily with our Bitcoin ATM Map. For many Bitcoin machines online rates are available. Producers. Genesis Coin (4080) General Bytes (3362) BitAccess (1106) Coinsource (731) Lamassu (543) All producers ; Countries. United States (9178) Canada (920) United Kingdom (286) Austria (148) Spain (104) All countries; More. Find bitcoin ATM near me; Submit new ATM; Submit ... Withdraw. Home; How to Buy Bitcoins Using a Bitcoin ATM. How to use a Bitcoin ATM. It’s gotten easier and easier to use bitcoin ATM’s since they first came about. Currently there are more than 20 different styles of bitcoin ATM, but the general principal of how to use one of them remains the same. 1. Bitcoin ATM Verification. Depending on local AML (Anti-money laundering) laws, a bitcoin ...

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First time i Use a Bitcoin ATM 🤑 - YouTube

https://coinatmradar.com Bitcoin Lottery: www.lottoland.co.uk/raf-invite/bnI6OTUzMDY3OCxpbnZpdGF0aW9uSWQ6LHR5cGU6RElSRUNUX0xJTks= If you want to join my tele... withdrawing cash from an bitcoin atm Bitcoin Withdraw Cash at Bitcoin ATM Machine - Duration: 1:43. Prince_Revolution 684 views. 1:43. Bitcoin Depot - How to get Bitcoin Cash from an ATM - Duration: 2:03. ... There are currently only four bitcoin ATMs available in Australia. One in Sydney, one in Melbourne, and for some reason two in Tasmania. In this video I show you how to use a Bitcoin ATM and how ...

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