Forex | 5 BTC to USD exchange rate - 5 Bitcoin to US

Saving money on PayPal transfers when buying reps!

Just purchased my first ever rep through Mirotime and PayPal transfer was my only option of payment (not having any access to Bitcoin) - apologies in advance if this tip has already been shared, I'm new to here.
When sending the transfer, PayPal add a conversion fee and their conversion rates are pretty poor from GBP to USD.
I changed my card details from my Lloyds to my Starling bank account (though this would have worked perfectly with Monzo, Revolut etc.) and chose to take my bank's conversion rate rather than PayPal's.
My total cost went from £292 to £279 just by doing this as Starling (and other banks above) offer great conversion rates and no fees - thought it would be a tip worth sharing for anyone regularly using this payment method!
These banks are free to sign up with and could definitely end up saving a lot of money for repeat purchasers.
submitted by kp018 to RepTime [link] [comments]

PSA: How to use crypto to sell/buy PMs on r/PMsForSale

TL;DR 1: this is not an investment recommendation. This is not an endorsement of any crypto coin, token, or service. This post (which is a bit longish) describes how to use crypto as another payment mechanism. It would just add another tool to your PM trading toolbox.
TL;DR 2: This is not an exhaustive review – it’s a simplified how-to. Calling me out on certain minute aspects is useless. However, if I made a mistake, or omitted something important PLEAESE correct me.
TL;DR 3: I’ll describe everything in chapters, so as you go down, if you feel this is irrelevant to you, you can stop without spending too much time reading it all.

Chapter 1: Why use crypto

  1. You control the entire transaction, end to end. You do not need a third party (Like PayPal or Google) telling you what you’re allowed to sell, and for how much. You do not need to resort to subterfuge (“use Friends & Family, and make sure to leave no notes!”).
  2. Crypto transactions add a level of privacy (depending on how you use them).
  3. Transactions are secure (read more about blockchain technology), and usually only involve you sharing your crypto address with your counterpart.
  4. Transactions are irreversible – good if you’re an established seller who’s afraid of chargebacks by scammers.
  5. Yet transactions can still be proven – they’re out there on the blockchain, available for all to see.
  6. Most of the time, transactions are fast (depending on network traffic and amount of gas paid).

Chapter 2: Types of crypto

I’m not going to go into technicalities, and definitely not recommend anything. Let’s just split the crypto world right now into 2 types of coins: stable, and unstable.
  1. Unstable coins (Bitcoin, Ether, Ripple etc.) can see their fiat value go up or down several times a minute. They’re volatile, and while they can be used to pay, the buyer and seller need to agree on the spot, convert fiat to the coin and start the transaction – at the end of which, the fiat value received may be higher or lower than when the transfer started. Because of that, I’ll avoid discussing them here.
  2. Stable coins usually run on the Ethereum blockchain, and use a technology called “smart contract” to attach their value to fiat. A stable coin like USDC, DAI, USDT etc. will always be worth $1 (give or take 1% at certain times). For all intents and purposes, if I quote you a price of $250 and you send me 250 USDC – we’re done.

Chapter 3: what do I need to have to trade in stable coins?

  1. An address – your crypto address allows you to control crypto on the blockchain. More specifically, it allows you to withdraw funds (since everyone can deposit to your address, whether you want it or not).
  2. A crypto wallet. A wallet is NOT where you hold your coins! Your “money” is on the blockchain, assigned to your address. Your wallet allows you to mange the coins in that address. You can either use one of the free wallets out there, or have one provided to you by an exchange. I recommend MetaMask. It runs as a browser extension (Chrome, Firefox, Brave) or a mobile app. Make sure you do your due diligence before selecting a wallet, so you wont use a scammy app, that will use your pass phrase to clean up your address!
  3. Some Ether (usually 0.05-0.1 ether is enough for several transactions) – every transfer on the blockchain has a fee, representing compensation for the computer work done to transfer funds from address to address. This fee, known as “gas” can go from fractions of a cent to several dollars – depending on the blockchain traffic at the time. You can control the amount of gas, and price of gas for your transactions, but generally speaking: the less you pay, the slower the transfer. Gas is paid in Ether only, so you need some in your wallet (see below on how to get it).
  4. If you want to sell using crypto – you’re done!
  5. If you want to buy using Crypto, you’ll need to convert some fiat to stable coins – see next chapter.

Chapter 4: Quickest way to get stable coins

The easiest way to start (in the US – your miles/kilometres may vary elsewhere) is to open a Coinbase account.
(Disclaimer: you can choose any other exchange. I’m not compensated by Coinbase, I have no stake in Coinbase, I don’t work there, or know anyone who does. There’s a reason I mention them: they make this simple.)
While Coinbase is the fastest and easiest way to go for noobs, there are some caveats:
  1. Coinbase is a registered financial company. They require full KYC (i.e. photo of your driver’s license). Everything you do gets reported to the IRS, authorities, etc. But then, your bank does the same.
  2. Coinbase doesn’t care where the funds come and go – unless law enforcement, IRS, SEC etc tell them to care. If you’re privacy-oriented, an exchange is not for you, go to the next chapter.

Let’s look at the steps of using Coinbase, and how much they’ll cost you:

  1. Open Coinbase account (free)
  2. Go through KYC needed to connect a bank account to your Coinbase account (free)
  3. Transfer fiat to your account (free if bank transfer, otherwise credit/debit card fee applies)
  4. Convert fiat to the stable coin USDC (FREE! Since Coinbase “owns” USDC, they don’t charge anything to convert back and forth between USD and USDC. And it’s always 1-1 conversion.)
  5. Transfer USDC to an external wallet (yours, or a sellers) (FREE! Again, another perk – Coinbase pays your transfer gas fee).
  6. If you’re content with using Coinbase as your wallet, you are done!
a. When you want to buy, you ask the seller for his address, and transfer USDC to him (free).
b. When you want to sell, you give the user your Coinbase USDC address and he sends there (free again).
c. Make sure you send the right address – there are no backsies in crypto!!!

Using your own wallet:

  1. Install MetaMask. Follow instructions to create your address. Make sure you keep the pass phrase safe (NOT ON YOUR COMPUTER).
  2. Go through steps 1-5 to convert some fiat to USDC for free.
  3. Buy some ether – Currently Ether spot is about $230, meaning it’ll cost you about $10-20 to get some Ether + whatever fee Coinbase has on trading.
  4. Send the USDC to your new address.
  5. Send the Ether to your new address.
  6. You are now good to send and receive payments!
  7. When you receive USDC from a buyer, you can either keep them in your wallet for further use, or send to Coinbase, convert to fiat and send to your bank account. Always remember: on Coinbase 1 USDC == $1.

Chapter 5: Doing it on your own – for advanced users only

If you don’t like sharing all your info with Coinbase, you can definitely just install your own wallet (MetaMask is still the best option, IMHO, but there are many more), and fund it personally.
The biggest challenge you’ll face is: how do I convert fiat to crypto? Here are some options:
  1. The easiest: get someone to sell you some. Someone who already went through the whole process, and will agree to give you some crypto. Once you have crypto, you can easily convert it to any other crypto, without using any exchange, using crypto swap apps.
  2. The more expansive: use a service like Changelly (and there are others – again: I have no stake) to “buy” crypto. Take into account that they have fees. There are also services (like LocalBitcoins) that will allow you to buy directly from other people, for lower fees.
  3. You can use a different exchange, perhaps even one in a different country. Take into account that you’ll need to get actual money there, so at one point, someone will know something about you.
As said, once you have ANY crypto in your wallet, it’s easy to convert it to stable coins, Ether, or everything else you need.

Summary

I tried covering the basics of using crypto for payment. I did my best to avoid techy aspects and jargon.
Crypto is here to stay. Next (and current) generations will use it, like we’re using credit cards and PayPal. It will have no “magic” or “hoax” attached to it. It’s not “good” or “bad” – it’s just another way to convey value.
I was taught all this by someone. I’m sharing this with you now, in the hope you’ll share it with other people. That’s how knowledge grows.
If anyone wants any clarification, or expansion on any item, feel free to comment below, or reach out to me.
submitted by Niceguy955 to Silverbugs [link] [comments]

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Costs are influenced by the complexity of the given task and the quality of the target website. Feel free to ask any questions here or via PM.
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submitted by Agent_Phantom to slavelabour [link] [comments]

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submitted by Threw_it_to_ground to beermoney [link] [comments]

[OFFER] $12 total ($10 from Donut + $2 From Me) $10 Deposit Required, No Monthly Fee, iOS only

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$bid below
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Requires a link to a checking/savings & debit/credit card.
A small fee will be charged for transactions - my cost to fund was $10.45 with CC fee ($0.45 fee) - (projected NET profit roughly $9, have not withdrawn yet as I'm leaving the $BTC 'in play' but assuming there will be a conversion fee back to $USD from $BTC to withdraw).
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submitted by AZMini to signupsforpay [link] [comments]

17 planning financially for near future

Hello

I'm currently a 17 year old high school student planning financially for the near future.

Ok so here's my plan and current situation: (Polish Złoty conversion to USD from the day of writing of this post [23 June 2020 7:49 AM, 1 usd = 3.95 pln)

Background:

As of writing of this post I have 3500 PLN ( 886.83 USD) and by the time I turn 18 I'll have around 7500 PLN ( 1,900.65 usd) just from the gov's money (500+ program, I made a deal with mom that I get 50% of that) and money I'll get for christmas and my 18th birthday (basing that off off what I got last year (700 pln for christmas).

Summer plans + rest of the 2020:

I'll try to get a job during summer and earn about 2500 PLN ( 634.08 usd) so that I end up with around 10000 PLN ( 2,536.30 usd). The summer job will likely be hard to get but even with 10 pln/h ( 2.54 usd/h) which is pretty much the lowest wage, I'll only need to work around 250 hours to get the 2500 PLN I'm aiming for so I'll still have some free time in the summer and I'll also pay 0% tax since you don't pay tax in Poland up to 8000 PLN ( 2,029.36 usd)

I also want to build up a portfolio (about 10 works) throughout summer since I'm trying to become a graphic designer.

Plans after turning 18:

After I get all the paperwork done (Mainly getting an ID) which should happen by the end of February 2021 since My 18th birthday is 30th January, I'm planning on setting up a Paypal account, searching for the right banking offer and making an account on a freelance website.

I'd like to work weekends about 4 hours per day so 8 hours per weekend doing graphic design so that I get some commissioned work into my portfolio as well as see how much I earn. If it goes well enough I'll likely have to register a single man company / self employed.

Also the 10000 PLN I would have by then would come into play. I'd like to split it by percent and start investing. Right now I'm thinking of.

-Savings account

-Bitcoin trading (I have some experience and generally know the way market moves, I could make profit pretty much every time with my technique except that'd be just like 3-4 trades in a year and the income would be pretty low)

-Investing in something with high return (that isn't basically gambling) I'm thinking of investing in loans since from what I read 10% yearly is the low yet I'd need to research more as it seems to be heavily regulated

-Possibly Crypto staking, lending, dividends (I mostly mean NEXO, am already using it but I barely have 20 usd in assets there)

-I'm also keeping an eye on real estate since I'm seeing a lot of new projects in my city marketed as a way to invest

Lifestyle and expenses:

Just a debit card for 3.90 PLN a month (0.99 usd) and no cost if I make 2 purchases (can be lower than the fee )

Other than that I don't spend money on anything except maybe water and sodas during summer. I'll be able to live with mom as long as I'm learning at school and even later but then I'd have to pay a part of the bills.

My mom and dad will soon be divorcing, he'll likely take some stuff from home but it won't really impact me, however he'll likely have to pay alimony to mom. After they divorce I'm planning to help with lowering the costs by changing lightbulbs to LED, putting a shower curtain so that I can take showers instead of baths and some other minor things that'd help with lowering the bills.

Other random info:

I'm not planning on doing a driver's license since I can rely mostly on public transit, my bike and simply going on foot. (When I'm still attending high school, mom will probably pay for my transit ticket)

I have goals to get to a million dollars by 24 years of age, that's why I'm searching for best returns in short time (I want this million so that I can buy a house in L.A lol)

I'm not planning on going to college/university because I don't want to spend another 3-5 years in the schooling system and I feel like it would be a waste of time in my case, however, if I fail with my financial ventures I may go there.

Skills:

Languages in CEFR levels: English - C1, will be passing the C2 exam in about a year as of making this post, French ~A2, planning on improving over the summer, probably will get to B1 or B2, Polish C2 (Native language)

Graphic Design skills, quite fluent in Paint.NET, learning Adobe Illustrator

Video Editing skills (somewhat basic but I feel comfortable / at ease using the program and can learn fast), program is Sony Vegas

Books read:

How to Win Friends and Influence People - Dale Carnegie (around 70%)

P.S Wow this ended up longer than I expected and also wanted to say I'll likely edit since I could've forgotten something
PPS- I'm posting this after 2 days since I originally wrote this cuz couldn't post because of wrong title and then reddit was freaking out when I was trying to post with correct title
submitted by throw_away_134535 to personalfinance [link] [comments]

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submitted by hagvu007 to u/hagvu007 [link] [comments]

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submitted by Lonely-Green-5062 to u/Lonely-Green-5062 [link] [comments]

[For Hire] Data Analysis, Bots, Web Scrapers & Automation Software

Hello!
I'm offering my programming services to develop affordable solutions to common tasks such as:
All the solutions are coded in Python 3 in compliance with best practices and PEP 8.
The scripts are cross platform compatible, you can also schedule them using crontab on a Linux VPS or Raspberry PI and Windows Task Scheduler.
Prices are affordable and payments can be made via PayPal.
Delivery time is often 1-2 business days depending on project difficulty.

Examples

Data Analysis Services

I am also offering Data Analysis services, which cover the process of collecting your dataset and your requirements to cleaning, modeling, exploring and communicating the results.
You will receive a report in a PDF file which will contain graphs, plots, tables and insights.
It is preferred that your dataset is in csv, xls or xlsx format. SQL and NoSQL are also acceptable.
If needed I will sign your NDA at no additional cost.
Delivery time and costs depend on your requirements, this will be handled in number of 'questions'. Each 'question' will be answered with the most appropiate graph, a table and a text explanation.
Some examples of 'questions' are:

Examples

Approximate Costs of Most Requested Tasks

Task Description Approximate Cost (USD) Approximate Delivery Time
Simple Web Scraper A web scraper for websites that are well structured or for web APIs. $20.00 - $40.00 < 24 hours
Complex Web Scraper A web scraper for websites that are not well structured and require a complex spider or managing user sessions. Also for web scrapers that require to rotate proxies and user agents. Starts at $40.00 < 24 hours
Selenium Web ScrapeAutomation A web scraper developed using Selenium WebDriver. Required for the most complex websites, it can include support for proxy rotation. Starts at $100.00 24 - 48 hours
Simple Reddit/TwitteDiscord (webhook) bot A bot that monitors subreddits/users/hashtags/websites and performs a predefined action. $30.00 - $50.00 < 24 hours
Complex Reddit/Discord bot A bot that takes commands and performs actions with the given parameters. The number of commands and their complexity increases the cost. Starts at $100.00 24 - 72 hours
Data Transformation Tool A script that performs transformation tasks on your datasets and raw text files such as extracting, cleaning, renaming, concatenating, removing duplicates, etc. $20.00 - $50.00 < 24 hours
Data Analysis (5 questions) A report in PDF which will contain graphs, plots, tables and insights from your dataset. $100.00 48 - 72 hours
Costs are influenced by the complexity of the given task and the quality of the target website. Feel free to ask any questions here or via PM.
Website | GitHub
submitted by Agent_Phantom to jobbit [link] [comments]

[For Hire] Data Analysis, Bots, Web Scrapers & Automation Software

Hello!
I'm offering my programming services to develop affordable solutions to common tasks such as:
All the solutions are coded in Python 3 in compliance with best practices and PEP 8.
The scripts are cross platform compatible, you can also schedule them using crontab on a Linux VPS or Raspberry PI and Windows Task Scheduler.
Prices are affordable and payments can be made via PayPal.
Delivery time is often 1-2 business days depending on project difficulty.

Examples

Data Analysis Services

I am also offering Data Analysis services, which cover the process of collecting your dataset and your requirements to cleaning, modeling, exploring and communicating the results.
You will receive a report in a PDF file which will contain graphs, plots, tables and insights.
It is preferred that your dataset is in csv, xls or xlsx format. SQL and NoSQL are also acceptable.
If needed I will sign your NDA at no additional cost.
Delivery time and costs depend on your requirements, this will be handled in number of 'questions'. Each 'question' will be answered with the most appropiate graph, a table and a text explanation.
Some examples of 'questions' are:

Examples

Approximate Costs of Most Requested Tasks

Task Description Approximate Cost (USD) Approximate Delivery Time
Simple Web Scraper A web scraper for websites that are well structured or for web APIs. $20.00 - $40.00 < 24 hours
Complex Web Scraper A web scraper for websites that are not well structured and require a complex spider or managing user sessions. Also for web scrapers that require to rotate proxies and user agents. Starts at $40.00 < 24 hours
Selenium Web ScrapeAutomation A web scraper developed using Selenium WebDriver. Required for the most complex websites, it can include support for proxy rotation. Starts at $100.00 24 - 48 hours
Simple Reddit/TwitteDiscord (webhook) bot A bot that monitors subreddits/users/hashtags/websites and performs a predefined action. $30.00 - $50.00 < 24 hours
Complex Reddit/Discord bot A bot that takes commands and performs actions with the given parameters. The number of commands and their complexity increases the cost. Starts at $100.00 24 - 72 hours
Data Transformation Tool A script that performs transformation tasks on your datasets and raw text files such as extracting, cleaning, renaming, concatenating, removing duplicates, etc. $20.00 - $50.00 < 24 hours
Data Analysis (5 questions) A report in PDF which will contain graphs, plots, tables and insights from your dataset. $100.00 48 - 72 hours
Costs are influenced by the complexity of the given task and the quality of the target website. Feel free to ask any questions here or via PM.
Website | GitHub
submitted by Agent_Phantom to forhire [link] [comments]

Updated FAQ-Pre 420

Frequently Asked Questions

Here you will find our Frequently Asked Questions. Hopefully you can find the answer to your question here!

Payments

How can I pay for my order? We currently accept credit/debit cards. We do not currently accept Bitcoin, although we are implementing a system for Bitcoin payments.
My payment was declined, what can I do? It isn’t always obvious to us why a payment was declined. It could be something as simple as using the wrong billing address, or something more complex such as your bank restricting which regions you can purchase from.
My payment was declined but charges are still showing on my statement, why? These are pending payments - your bank will assign funds that were to be used in the order transaction. These funds will be made available to you once our payment provider communicates that the transaction was declined to your bank. You can usually contact your bank to have these funds returned quicker.
What currency do you charge in? Our base currency is USD. Your bank will deal with any currency conversions on their end, this could lead to minor discrepancies between your order total and what your bank eventually charges you.

Ordering

How do I know my order has actually gone through? There are three ways you can use to double check. - If, once your order is complete, you receive an order number on the screen. - You will be sent a confirmation email of your order. (If you can’t find it, check your Junk folder as it might be hiding in there.) - If you log in to your account, the order will show with the status ‘Processing’
Can I add something to an existing order? I’m afraid not. If you'd like to buy new items, you'll need to place a new order.
What is the current status of my order? You can log in to your account to see the status of your order. It will be marked as one of the following: - Processing: This means we have received payment from you and your order is in line waiting to be packed and shipped. - Packed: This means your order has been packed is ready for shipment shortly. You will receive another email notification when your order reaches this step. - Complete: This means your order has been shipped and a tracking number (if using a tracked service) is available for you. You will receive email notification of this status along with your tracking number.
I've provided the wrong address. What can be done? If your order has yet to be sent out, please send an immediate email to us via our Contact Form, or reply to your order confirmation email. If you order has already been shipped you will need to contact the shipping company as soon as possible.
How do I cancel my order? Before your order ships, you can use our Contact Form or reply to your order confirmation to cancel your order.
What voucher codes do you have? We don’t currently offer any voucher codes - we may intermittently offer them for Newsletter subscribers and you can sign up for that HERE.
Your X store doesn't have a strain that I'm looking for, can I order from one of your other stores? Unfortunately, we can only ship to the region specific to each store.

Shipping

Where do you ship to? We ship to most countries in the world! You can select your store based on your location. We do not ship to the following countries: Libya, Turkey, Russia, Somalia, South Africa & Yemen. This due to restrictions with our mailing system in reaching these countries.
How long will it take to ship my order? We aim to ship all orders within 2-3 business days of receiving payment. Sometimes delays can occur when we receive large quantities of orders at the same time.
How long will my order take to arrive? USA: You will receive a USPS tracking number once your order ships. USPS usually delivers within 3-5 days. Canada: If you used a tracked service you will receive a tracking number. Shipping normally takes 3-10 business days, depending on where in the country you are located. Our orders ship from Ontario. UK: Your order will normally arrive 1-2 business days after you receive your shipping email. EU: Orders can take 3-10 business days to arrive, depending on the shipping option chosen. Delays can often occur and shipping could potentially take much longer. A tracked service is highly recommended for EU shipping. Worldwide: It really depends on where you are located in the world. We only offer a tracked service for worldwide orders so you can keep a track of where your order is located.

Strains

Do you sell autoflowers? We ONLY sell autoflowers! All of our strains & freebies are autoflowering and feminized.
What strain would you recommend for me? We don’t provide personal recommendations for strains - all the information we have about strains is detailed on each product page, or you can click HERE to read through our Strain Guide which should provide more insight. Otherwise, you can join our community on Reddit.
When will X strain be back in stock? We can’t always give exact dates on when certain strains will be back in stock, unfortunately. We will announce across social media and via our Newsletter when we have a strain back in stock.

Freebies

How many freebies will I receive with my order? Our freebie tiers are as follows: $15-49: 2 free seeds $50-99: 5 free seeds $100-149: 7 free seeds $150+: 15 free seeds We don’t currently offer additional freebies for orders with a higher value, you can always place multiple order to maximise your freebies though!
Are my freebies automatic? Yes, all of our offerings, including freebies are both automatic and feminsied.
Which freebies will I receive? Our freebies are lucky dip, you may receive anything from our current catalogue, extinct or out of stock strains, or exclusive freebie crosses!
Can you provide some strain information on the freebies I received? Possibly, but not always. If it is a current or past catalogue strain, the information will be on our website. If your freebie is an exclusive freebie cross, these are F1 and untested so we don’t have information on them. If you grow them out and want to provide that information though you can do through our Contact Form. Some of these crosses may find their way into the catalogue if enough people love them!

Contact

How can I contact you? If you have a question for us you can use our Contact Form
Are you active on Social Media? Yes! We have a presence on the following sites: Instagram Reddit AFN
submitted by stan_mephisto to MephHeads [link] [comments]

[OFFER] $13 total ($10 from Donut + $3 From Me) $10 Deposit Required, No Monthly Fee, iOS only

-THE OFFER--
I will only process one $bid at a time so that I can properly track and pay bonuses.
$bid below
Think 'Acorns' but with bitcoin and no monthly fee - works with Chime etc.
Requires a link to a checking/savings & debit/credit card.
A small fee will be charged for transactions - my cost to fund was $10.45 with CC fee ($0.45 fee) - (projected NET profit roughly $9, have not withdrawn yet as I'm leaving the $BTC 'in play' but assuming there will be a conversion fee back to $USD from $BTC to withdraw).
Download the Donut App with link provided (may have to manually add my code - @azrenegade) and deposit $10 (you may be charged a transaction fee), you will receive another $10 quickly, I believe you can cashout almost immediately.
App restart may be required for deposit bonus to show up.
I'm investing my spare change in Bitcoin and growing my savings with Donut. Sign up in minutes and receive $10 free to get started.
--T&C--
https://www.donut.app/terms/
View my other posts & other offers https://www.reddit.com/useAZMini/posts/
Credo - https://www.credo360.com/01630625163
SLRep - https://www.reddit.com/useAZMini/posts/
Edited for clarity.
submitted by AZMini to signupsforpay [link] [comments]

Question about making btc transactions from EU to the US

Hi all,
I'm totally new when it comes to BitCoin. I'm EU based and I have several small-ish payments to make to some people in the US. I was looking into bitcoin to do this as other methods have sky-high fees, but I had a question.
Say I need to make a payment of 100USD to a person. He agrees to do this through bitcoin. My own currency is in euros and in order to buy bitcoin with euros, there is a conversion fee. Then I send him the bitcoin, so there will also be the transaction fee. Finally, he recieves the bitcoin but he will have to convert it back to usd. So I will have to pay for that conversion fee as well. But he needs to get his 100usd.
So, when looking from the beginning, I would need to convert enough euro to usd to make sure that, after all fees, he gets exactly 100usd? This system confuses me a bit, am I missing something?
Furthermore, I've read about Lightning Network for micro transactions. Up to how much usd is considered a microtransactions? Or does it not really matter?
Thanks in advance for any responds!
submitted by YoungEscapist to BitcoinBeginners [link] [comments]

Possible solution to completely avoid bitcoin-unfriendly banks (when buying bitcoin for fiat)

I'm from the USA. I've tried a lot of complications with banks and exchanges when I tried to buy bitcoin using money from my bank account. My deposits were put on hold, I've been asked to verify my identity over and over. I think I found a solution. I wire money from my brokerage (interactive brokers) directly. I get my bitcoin the next day, I can withdraw it anywhere. However, my brokerage doesn't allow third-party wires. Therefore, I can only use exchanges that create an account in my name for me. I only know 1 exchange like that (kraken, synapse funding method). Do you know any other exchanges that open an account for you in your name to send funds to (not only in USD, my brokerage allows currency conversion, I can send a transfer in any currency)? What do you think about this method in general? My brokerage is also available in many countries, so it would be useful for many people.
submitted by Bitcoinenthusiast123 to Bitcoin [link] [comments]

How to Buy or Exchange Monero Cryptocurrency

If you are also a crypto currency trader and do not know how to buy Monero cryptocurrency. Then, you must go with this link. Here, you can easily buy monero at a low price, and also exchange XMR to USD at a high price. This platform is the most secure way to complete your all transactions anonymously within a few minutes. This is the fastest services providing company situated in the USA, but offering yours in every corner of the world. Here, you can easily buy, sell, trade, convert or exchange your monero coins for USD or any other local currency with Paypal, Skrill, Moneybookers and any many more. The best part of this site is that it has deficient conversion fees. Otherwise, many other sites charge high fees. So, go to the site and make your cryptocurrency trading more and more easy and simple.

How To Open A Cryptocurrency Exchange

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submitted by hagvu007 to u/hagvu007 [link] [comments]

Banca internacional #03 UK LT BG MT DE – Intro EU y Fintech

Este contenido fue publicado originalmente el 06/08/2019 - Aca
Posts anteriores de la serie

Background e intro
La Union Europea y en cuestión el Area Economica Europea o single market es un colectivo de veintiocho estados, cuales en su mayoría abolieron todo tipo de controles migratorios internos. También llamado Area Schengen, aunque esta, no incluye los veintiocho miembros sino, veintiséis.

De la misma manera, el “single market” o Eurosystem, mercado común europeo y su moneda de facto el Euro, ISO 4217 : EUR no se usa en todos los miembros del área política. Sin embargo todos los miembros de la Union Europea y varias de las jurisdicciones que no usan el Euro como su moneda de intercambio oficial (Romania, Polonia, Suiza, Dependencias de la corona, etc.) son parte del área SEPA compuesta por 36 miembros.

SEPA, Single Euro Payment Area es un protocolo de créditos y débitos bancarios entre personas físicas o legales de rápida ejecución operando 100% bajo el estándar IBAN. Es moderno comparado con otros sistemas similares como el ACH o wires locales americanos, ciertamente anticuados y de un costo mucho mas alto de operar.

Por regulación del ECB (European Central Bank) los pagos SEPA ya sean créditos o débitos deben ser gratuitos y se considera ilegal cobrar por una transferencia SEPA.

Esto dicho, varias instituciones cobran un “fee” por la ejecución de transferencias SEPA bajo alguna descripción a modo de eufemismo.

Si bien SEPA es considerado relativamente moderno, SEPA ICT (Instant Credit Transfer) ya se encuentra desarrollado y en proceso de implementación. Bajo el nuevo standard, las transferencias SEPA son ejecutadas en tiempo real con el fin de incentivar la implementación y adopción de las tecnologías fintech desarrolladas por privados bajo el tutelaje del ECB.

Desde hace aproximadamente diez años, el ECB comenzó a liberalizar el mercado bancario a modo de desconcentrar el monopolio de la banca europea. De esta manera dieron comienzo a las entidades EMI (Electronic Money Institutions). Entidades quasi bancarias, las cuales pueden ofrecer IBANs personales de manera instantánea y emitir tarjetas de pago (en general no debito sino prepagas directamente ligadas a una cuenta personal).

Regulación

La flexibilización de la banca europea via fintech tiene sus rarezas, la mayoría de las nuevos “bank challengers” usaron frases del tipo “we are not a bank, we are better tan a bank” y similares. Muy cool a los ojos de un millenial rebelde sin embargo el wording es exacto. Una entidad EMI no es un banco, no está siquiera remotamente cerca de serlo. Estas entidades no operan con efectivo, ni en general ofrecen créditos, o inversiones o tasas de interés (mas allá de que la tasa de interés del ECB se encuentra en el área negativa hace años) porque la verdad es que una entidad EMI no está a autorizada a tomar depósitos en Euros.

Cuando decimos “Electronic Money Institution” en realidad debería leerse más como “token”, la gente que usa crypto entenderá de manera más fácil. Al momento del depósito, la entidad mueve nuestros Euros a una cuenta a su nombre en una entidad bancaria real en general en la jurisdicción en la cual está registrada y licenciada aunque esto no es necesario. Los depósitos, a diferencia de un banco, no se pueden ofrecer a modo de prestamos ni se pueden invertir y se deben mantener segregados. Como una especie de cuenta escrow. En el mismo momento, de manera instantánea intercambia 1 for 1 cada euro por un token dentro de su plataforma al que le podemos poner el símbolo y nombre de euro pero al mismo tiempo no lo es. Al momento de efectuar un pago fuera de la plataforma el ejecutor intercambia nuevamente nuestro token por 1 euro cash que se encuentra depositado en la cuenta escrow y lo envía via SEPA o SEPA card hacia un comercio o una persona física/juridica a modo de pago.

Esta pequeña diferencia hace que el statement “we are not a bank” tenga un significado mucho más verosímil en lo legal de lo aparentemente anunciado. Y por esta razón, suelen lidiar con clientes de mayor riesgo que un banco tradicional. A manera de un sandbox monetario.

El problema principal, más allá de la oferta de banca básica y el peligro de que la entidad desaparezca de la noche a la mañana sin dejar rastro. Los depósitos