In 2018, three currencies—the Turkish Lira, the Venezuelan Bolivar, and the Argentinian Paso, lost at least half of their value; the Bolivar, in fact, lost over 99% of its value. This depreciation of the native currencies was caused by the government of each country; however, it was the ordinary people of Turkey, Argentina, and Venezuela that paid the price.

Modern-day national currencies, which are also referred to as fiat currencies, are backed by nothing and their value is driven by the economy and monetary policy of the country they belong to. Both the economy and monetary policy of a country hinge on the decisions of politicians in the ruling government. The consequences of bad monetary decisions’ taken by self centred politicians’ are often a burden on the masses. Native currencies whose value is entirely controlled by the state ensure that governments possess an incredible of power.

The depreciation of a currency proportionally depreciates the wealth of those who hold it. Therefore, in a sense, currencies are very much like assets — highly liquid assets that can be used to transfer value with ease. Though, this is an asset that is constantly depreciating, and in some cases, the depreciation is enough to cost people a vast portion of their life savings.

A currency with true value

Before the inception to fiat currencies like USD, Pound, Naira etc, native currencies were backed by the gold held in a state’s treasury. And If a nation would print excess paper money, the value of the outstanding notes would have to be diluted. This would definitely lead to depreciation.



Before the modern gold standard, gold itself was the major means of transferring value.
Despite the  limitations of gold as a currency; it has ensured that decisions of the governor does not affect people.

Interestingly, the amount of gold held by people would not reduce in value even if the state indebted itself. Of course, in times of a state’s financial turmoil higher taxes would be placed, but this led to a positive feedback cycle where the state was able to pull itself out of debt.

A few Turkish, Argentinians and Venezuelans who were able to sell their native currencies, before the sudden hit of depreciation, were able to preserve their wealth and escape devaluation. Unfortunately, vast portion of the populations if these countries were not able to preserve their wealth as they did not have the foresight needed to predict the calamity.

But what if we can use Gold as a currency once again?

One of the greatest benefits of blockchain technology which is tokenization, has been applied to different use cases including precious metals by a number of ambitious projects. Few projects have been led by teams that have tokenized gold in an effort to make it easier to trade gold against other cryptocurrencies. However, this move is a mere sampler of what can actually be achieved with the tokenization of gold.

Preserving Wealth

ANG coin created by the Aureus Nummus give everyone, irrespective of their country, the opportunity to preserve their wealth while holding a liquid asset in gold. For the first time, gold will no longer be a chunk of possession as Aureus Nummus project creates a financial system that preserve the wealth of the people from the kind of devaluation that happened to the native currencies of Argentina, Turkey and Venezuela



While it is difficult to acquire foreign capital in countries where the national fiat currency faces sharp depreciation, cryptocurrencies, due to their decentralized nature, make their way past any and every border. Major cryptocurrencies such as STEEM, HIVE and Dash have helped Venezuelans and Turkish people defend themselves against the depreciation of their national currency. And, to a lesser extent, even Argentinians have used this strategy.

ANG coin Cain solve the problem of fiat devaluation

As everyone around the globe recognizes gold and the value it holds, the people threatened by a depreciating native currency can hold onto gold, an asset that is only known to appreciate in value. And while it may be difficult to acquire gold in local markets, they can purchase blockchain-backed gold currency through crypto exchanges and p2p markets. Alternately, ANG coins can directly be purchased during the IEO.

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BTT: RANIE

China has been the major source of mining power used by mining farms


The sudden fall in the prices of crypto coins has risen concerns over the feasibility of mining operations. Although, mining operations are still lucrative in few parts of the world; slump in the price of Bitcoin has made way for diversification in the mining industry by allowing the establishment of mining farms in countries where electricity cost are lower than in China

Better services — New opportunities

Since the beginning of 2019, the prices of bitcoin has allowed a number of mining companies to control a huge portion of the network’s hash rate. And while competing mining farms offered reduced fees and better ROI, the major and established mining farms out-marketed new entrants; moreover, the major farms had the cash flow to very easily grow their hash rate, thereby scaring off new entrants.

And of course with mining, the hash rates are not rising but depreciating.

Since the market leaders have become complacent and no longer improve on their mining farms, new market participants are encouraged to enter the market with confident, knowing that they can also share from the hash rate. Few of these new mining companies have been smart enough to launch their operations in countries with low electricity cost — this has allowed them to be able to compete with the giants of the mining industry.



Moreso new mining farms are implementing disruptive strategies such as low fees, provision of better service, and adopting latest environmental friendly methods of mining cryptocurrency

Arc Iris, is a new mining operation startup that aims to lead the shift to a more globalized presence in mining industry. The mining project is going to be utilizing a technology that will drastically reduce both cost and effect of using electricity to power mining operations. The project aims to use hydrogen mining method, this method will open its users and investors to some unique set of amazing benefits.

The Current Status Quo of the Mining Industry

Major mining establishments have enjoyed the lack of genuine competition for a long time. This has allowed them to control a hefty percent of the mine’s block rewards, charge high fees in their mining operations and even keep transaction fees from block rewards.

AntPool

This company has asserted its dominance over the market and kept competition at bay for a long time by mounting several rigs to monopolise the market. This has allow them to not only control 2.5% of block rewards, but also keep transaction fees.

BTC.com

BTC.com has kept the completion on with AntPool. Although the company doesn't charge  2.5% on block rewards, other fees by BTC.com which adds up to 4% are more than what AntPool takes.

F2Pool

Contrary to what the name may suggest, being a part of this pool is nothing close to free. The pool takes 3% of block rewards and also hold on to the transaction fees.

Arc Iris to deploy strategies that attract investors and breaks into the market

New market entrant; Arc Iris, is keen on boosting the quality of their service in order to command increased market share. Hence, they keep their mining operations up-to-date with the latest equipments



More importantly, Arc Iris is ensuring that the hash rate is not concentrated in only one country as they plan to build more farms and mount more mining rigs across the world. This will enable them to utilise many opportunities that are available across the globe.

For instance, Arc Iris, takes advantage of the incredibly low energy and eco-friendly hydrogen mining. Through this method, Arc Iris is able to significantly reduce the operation cost significantly for the miners thereby increasing their mining profit. Operations remain very profitable for Arc Iris even if the current price of bitcoin forces some major mining companies to barely break-even.

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Blockchain technology is making a big entry into every use-case. This is due largely because of the value additives that the technology is loaded with. The decentralized ledger that blockchain technology has attracted many teams to think of a way to apply it to different use cases that will improve the overall life of the people. A new team is leveraging the technology to create a decentralised shared economy of local-2-local transactions.

2local project is building the shared local-2-local ecosystem, which is a disruptive sustainability network and investment access solution that connects buyers with local products and local manufacturers. The major aim of 2local project is to create a platform that promotes local-2-local transactions while rewarding users with benefits such as Cashbacks and loyalties. The project has developed a token system (L2L coin) that grows and increase in value over time.

2local will connect millions of people around the world through its Mobile App. The company will decentralise local-2-local transactions and promote a sustainable increase and prosperity of the economy.

Detailed Review of 2local Project

IDEA/CONCEPT/MISSION
10/10
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The idea behind 2local is to develop a decentralized shared sustainability platform that will connect people and allow them to perform local-2-local transactions. The project will promote prosperity with the 2local platform, by rewarding local-2-local and sustainable purchases. The 2local platform is equipped with a payment app including a marketplace with local and sustainable companies, with a monthly cashback for payments with L2L-coins which are designed to rise in value.

TOKEN METRICS AND UTILITY
7/10
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2local is a regulatory complaint project that is registered to operate. 2local is currently doing it's token sale — the IEO is live at p2pb2b exchange. The 2local blockchain platform will be powered by L2L coin which is a stellar based token.

Utility
Two billion 11.4 billion L2L (54%) of the total token 20 billion L2L will be offered for sale. The team will use a huge part of the money raised during the sales to to sustain the ecosystem. 4% of the tokens will be reserved for the contributors.

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Total supply: 20 billion L2L
Tokens for sale: 11.4 billion L2L
Marketing/Promotion: 1.8 billion L2L
Contributors: 800 million L2L
Ecosystem: 6.6 billion L2L
ROADMAP
Grade: 7/10
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The roadmap that was designed by 2local team is clear and detailed, indicating the level of dedication the project team is putting in to the success of the project: The structure of the roadmap will give investors and interested persons assurance of a profit return on both shirt and long term. The project also indicated in the roadmap how the team has engaged before the staging of tokensale, so that investors know the current status of the development. 2local plans to launch full version of its platform by Q4 of 2020

TEAM/ADVISERS
Grade: 9/10
The project team of 2local is huge and extensive, with the industry experts that has long years of experience and the right knowledge in all the areas that is required for the success of the project. The team members are experts from different fields. The advisers are also well experienced in business and marketing and algorithm analysis — with most of them coming from successful organisations and enterprises. I am very confident that the 2local team has the required experience to help the project scale smoothly.

PROTOTYPE
Grade: 5/10
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2local proposes to commence the development of its platform by Q1 of 2020. However, not much is said about the processes of onboarding of members or the MVP

COMPETITION
Grade: 8/10
The major market competition that 2local faces is mostly from existing blockchain companies such as
BeeToken, SnagRide, Aworker, ShareRing, KeepGo and Origin protocol which is building a platform that empowers developers and businesses to create their own decentralized marketplaces.

However 2local is leveraging the decentralised infrastructure of blockchain technology — the project aims to offer a massive ROI to investors while connecting buyers with locally made products. There is a lot of space for development in shared economy, and 2local plans to utilise the advantage to laugh it's platform.

HYPE
Grade: 7/10
The telegram group of 2local project currently has more than 27k members while their Twitter page has around that same number of followers — these are decent numbers. Furthermore 2local has made massive partnership and collaborations with big industry giants such as stellar, p2pb2b, Binance, pesCheck etc

Summary
Grade: 8/10
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2local is an excellent blockchain project with a well designed roadmap and an incredibly experienced project team — If the proposed timeline is followed and the team engage in more promotions and partnerships the project will definitely shoot to the moon

🌐 Website — https://2local.io/
📑 Whitepaper — https://2local.io/docs/Whitepaper.pdf
📧 Telegram — https://t.me/Group_2local
🔊 LinkedIn — https://www.linkedin.com/company/2local
🕊 Twitter — https://twitter.com/2local1
📘 Facebook — https://www.facebook.com/2local-2297961593816000

Only recently, the crypto market witnessed rally upward. The little market surge has offered relief and hope as the yet longest bear market has crushed most cryptocurrencies.


The crypto market saw a bull-run that soared it to record heights in 2017. That bull run was a result of massive influx of early adopters who had realized the huge potential of blockchain technology. Currently, the penetration of cryptocurrencies have been saturated through early adopters and there's now a need for fresh interest and fresh fiat.

Despite the volatility of the crypto market, the opportunities that it offers are huge and very tempting. However, the cryptocurrency market is still heavily unregulated and remains very unfriendly for the average person. Majority of the world's population often engage in investments casually and mostly require and prefer a level of guidance — a feature that is very rare presently in the crypto market.



A group of visionary and innovative cryptocurrency experts are working to change this by developing a Digital Asset and Commodity exchange (DACX). DACX will integrate the features of both cryptocurrency and digital assets in order target the peculiar aspects of the exchanges that make it too challenging and undesirable for the average individual. DACX is a multipurpose and multi-layered hybrid exchange that makes the trading of all digital assets possible in one platform.

Convenience, Security & Guidance

• Security

The general media often tends to highlight the weaknesses in the cryptocurrency market. Small exchanges and trading platforms that get compromised through hack attacks have contributed immensely in discouraging adoption by the average person. Although the damage that was done cant be reversed, DACX is developing a multi-layered digital exchange which offers safety measures that will win the interest of the general market. All the fund and assets of the users on the platform will be secured through a cold wallet with additional level of security. The result of this is a higher degree of protection against theft and attacks. This will encourage persons who have interest in the crypto market and have other digital assets but are afraid to lose assets to hacks will be willing to trade more.

While cryptographic market is seeing more adoption, exchanges are embracing more secured protocols and algorithms aimed at attaining a required level of security for the properties of their users. Also these exchanges are moving towards legalization and incorporation with different regulations and derivatives. DACX is building a premium product that is cored on solving the security dilemma faced by cryptocurrency traders. The company operates under regulation as it is registered venture in the UK



• Convenience

Security of funds and user assets isn't the only hindrance to mass adoption of cryptocurrency and digital assets. Huge number of existing crypto exchanges offers a very crude trading experience compared to what traditional e-brokerage platforms offered for stock trading. A newbie crypto trader would need to go through great leaps. He will have to convert fiat currency to ETH or BTC on a fiat exchange, after which the coins must be trasferred to a prominent exchange platform to gain access to a larger menu of tokens. The long process is only necessary to get fiat ready for trading against a cryptocurrency. This is way too much inconvenience to attract casual traders and investors who happen to be the major number of the population. Hence, DACX is integrating both fiat and crypto pairs in one platform. The days of having to hop between different exchanges to trade are over.

• Service

While many businesses and financial enterprises have adopted customer-centric operations, cryptocurrency exchanges have become increasingly raw in comparison.

Most major exchanges take their customers with levity. And as the crypto community adjusted to a lack of customer support and convenience, most exchanges do not have a framework on customer satisfaction. However, DACX is cored on building brand loyalty and wants to offer a more consumer oriented exchange services by valuing customer support. DACX currently support more than five (5) international languages, hand have their whitepaper prepared in those languages. The exchange plans to allow the community and DACX token holders to have a say in the direction of the platform. Holding a DACX token will allow the community to decide upon which new cryptocurrencies should be added to DACX exchange foundry. This shift to offering a more customer oriented environment will allow new members to feel welcomed.

DACX IEO Foundry
Initial Coin Offerings (ICOs) have become a very prominent means for companies to raise money to develop their ideas and also for investors to invest in cryptocurrencies. But the level of risk that accompanies them goes beyond the ROI (Return On Investment) or speculative nature of seed investments. Far too many projects that staged ICOs in 2018 have turned out to be scams. This has generated negative reputation for investments in cryptocurrencies and pushed away a mass scale interest.

DACX exchange will allow the listing of good tokens by the community. The goal of the is to ensure that only vetted and genuine projects are able to list tokens on the DACX IEO foundry; DACX will serve as a trusted channel for crypto traders and investors. The projects listed for IEO on DACX foundry will be thoroughly audited.

DACX And The Market



DACX is particularly targeting mass adoption by developing an hybrid (digital commodities and cryptocurrency) community-based cryptocurrency exchange. The DACX team understand that the best way to motivate people to trade cryptocurrencies is to create a platform that truly reward the users. This will engage a large number of the community to contribute to the growth of the platform.

Project Strength

DACX multi-layered exchange is unique as the project does not plan to compete against the existing trading platforms; instead, the project will work in harmony with the existing market. However, the strategic deployment of DACX is very different from even major cryptocurrency exchanges. Another strength of DACX exchange is that the company prides itself of a very competent and dedicated team — persons with many years of experience who have worked on many successful and innovative projects

DACX Token
Digital Assets and commodity exchange has developed DACX token as the native currency for the exchange. The token will be utilised for all the activities on the platform. DACX tokens gives it holders massive benefits which ranges from constant incentive and loyalty rewards to huge trading and withdrawal discounts. DACX token also makes its holder a practical shareholder in the DACX company.

Wrap Up
The cryptocurrency market can witness another bull-run if the market can attract fresh interest from the community. The current crypto trading and investment experience offered by existing exchanges is too unfriendly for traders, however, DACX is building a multipurpose hybrid exchange with the most customer focused features to attract fresh wave of interest from the crypto community.



DACX IEO is live on their foundry. Participate now and be part of the people that bring back the bull season!


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Bitcointalk username: CRYPTICYASU
Eth: 0x126C278E6e446aaB2c85F0ce0702E315Fc03eA2A

Blockchain technology can be utilised in a variety of industries and usecases to provide undeniable advantages in reducing cost, increasing security and ease and speed of conducting transactions. The interesting thing is that; nowhere is the benefits of blockchain more relevant than in the real estate industry.

Tokenisation involves the process where tangible asset or property such as real estate, is converted into tokens which can be transferred, moved or stored and recorded on a blockchain network. Tokenization converts values that are stored in physical or intangible properties into a digital currency that can easily be manipulated on a blockchain.

What Is Tokenised Real Estate?

The tokenisation of real estate allows startups and innovative teams to issue property-backed tokens through blockchain platforms. These issues tokens represent a certain number of shares for some real estate asset.



Investors around the world can purchase these tokens, and by doing that, they become partial owners of that property or asset, which further allows them to be involved in cash flows and asset appreciation.

At the same time, investors who acquired tokens are always free to sell any amount of their shares whenever they want, and they can do this even through some other online exchanges.

What Are The Implications Of Tokenizing Real Estate?

Many people around the world have an interest to invest in real estate, but it’s a complex industry and it is particularly cumbersome to own and sell asset. According to a publication by Forbes, a 8.25% of Polish householders are classed as accredited investors. There is a significant challenge to entry for ordinary investors when it comes to real estate. But with tokenization, real estate and assets are converted from a somewhat physical assets to a liquid assets.



The fractional ownership aspect of real estate tokenization introduces the market to a much wider investing masses. The result of this could potentially lead to greater access for ordinary investors to take a stake in assets that they ordinarily wouldn’t be able to purchase through existing traditional means.

In addition, it facilitates easy access to real estate investment across boarders in overseas markets that the investor usually wouldn’t have access to.  From the point of view of the real estate developer, it increases the likelihood of getting a project funded and potentially, earlier access to capital.

Real Estate Tokenization project IAToken Will Hold it's IEO on Probit Exchange

Probit cryptocurrency exchange has listed IAToken on its IEO launchpad. IAToken aims to tokenize the real estate market in Philippines. The project’s team has been involved in business and real estate market for several years. Currently, the team members collectively have more than 3 decades experience in business and investment across Asia and America.

Instant Asset Token (IAToken) , focuses on the tokenization of real-world assets — an initiative the company  believes is revolutionary and will transform the way people invests, trades, and transfers value on real estate assets in Philippines and across the world



“IAT is here to improve the ecosystem of real estate ownership ecosystem. Become a part of this change and take part of IAT's IEO! Mark your calendar now! IATs IEO will be on Probit Exchange this coming November 21st. See you there!l,” the community moderator of IAToken

IAToken is creating a disruptive real estate platform in the Filipino market based on blockchain technology. The platform allows investors to be part of IAToken project in a simple and secure way.

What Are The Value Additive Of IAToken?

Instant Asset Token provides interested investors with an opportunity to invest in the real estate sector, through IAToken by using their native token.



• IAToken project aims to solve the problems related to international real estate transactions by means of developing an asset transfer platform for the Filipino real estate industry.

• IAToken project is cored to help real estate investors by eliminating intermediaries, increasing liquidity, improving transparency, and lowering barriers to entry into the market.

An interesting thing to note is that, several blockchain real estate projects have emerged over the last few years. Each intends to transform the way property sales work. However, secrecy is no longer profitable, especially when middlemen become redundant. This is where IAToken stands out of the pack. The project is focused on becoming investors' gateway to the tokenised real estate market. IAToken aims to be an investment hub for physical landed properties by creating a platform that provide Asset digitisation and management for both individual asset owners or even agents and brokers.

Wrap Up

A blockchain network, after all, can greatly reduce risk aversion through a trustless environment. In turn, this feature of blockchain facilitates property transactions without the need for trusted third parties. Greater market demand for transparency in the global economy has spurred innovation in real estate tokenization. Tokenizing assets makes many processes associated with property acquisition and investment transactions happen faster and at a considerably lower cost.



IAToken company will use the proceeds from the IEO sale of the tokens to purchase real estate in  the commercial  and  residential  sectors in the Philippines.  The properties acquired by IAT will be  digitized  and  organized  into  legal  holding  structures anchored on the blockchain. This  will  serve  as  the  first pool of assets that can be transacted over the IAT blockchain.

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Bitcointalk username: RANIE
Eth: 0x0Df415736Be40485c5016F21eEb373fB326A7847

Blockchain technology and IoT are arguably the two most important technologies of the future.

Given the value offering blockchain and internet of things provide, both established enterprises and startups are trying to derive some utility from them — and of course, many companies are hoping to be the pioneers driving these technologies forward. In the past few years, a few ambitious projects have attempted to twine the projects as the value additive is clear.

While the novel mission of most projects that aim to integrate blockchain and IoT together can be regarded as brilliant, most of them are headed towards a direction in which their infrastructure may be able to support value-based transactions between devices, but may face little adoption.

In fact, trouble with adoption is a very common problem faced by a large portion of blockchain projects — the reason for this is that mere focus on the value addition of a technology is not enough. In today’s world, convenience holds a premium price and it can make or break a blockchain project.

Aim for Adoption

Projects that aim to be the infrastructure for the future of internet of things advancement must be developer-friendly. A new blockchain project that aims to integrate blockchain and IoT isn’t only aiming for powerful technological development, but also for adoption.


Hawk Network is a new project that aims to facilitate the wide scale development of IoT applications focused on shared travel market



While the IoT market is expected to blast above the $2 trillion mark within the next decade, the vast portion of that figure will be allotted to major electronic devices such as smartphones and laptops. However, the internet of things is capable of accomplishing much more than that. Through some of its content designed in its roadmap, Hawk network asserts that proper utilization of IoT technology can help us seamlessly integrate countless numbers of conveniences into our daily life.

However, to reach the optimal level of IoT utilization, developers need to be able to develop IoT applications with greater ease.

Hawk network has pioneered the development of an intuitive solution to this. The company has developed an application known as Black Hawk Knight that will powered the first ever electric scooters anchored on blockchain technology. Naturally, a platform that aims to target the IoT sector has an audience the masses ready to adopt it solutions. Thus, Hawk Network has created both a social and economic solution that will enable people travel short distances easily using BHK scooters.

Shared Travel Industry
In most developed countries around the world, the majority of the short travels within the cities are done using paid taxi services such as Uber and Lyft or through motorbikes and bicycles. This market is reported to generate way above $250 billion. This is a very huge market that will grow geometrically. Hawk Network is focused on penetrating this market by providing electric scooters at very affordable prices. The solution by Hawk network will eliminate or reduce the number of bicycles parked at subways or public parks.



Both blockchain and IoT technology are still new  technologies, the interconnected utility of the two is cutting-edge. Therefore, in order to enhance the development of applications that integrate the two technologies, it is imperative to incorporate into a practical use case for common masses

Strengths of Hawk Network: Partnerships
Partnerships and collaborations are very important in the success of every new company or developing enterprise. Good business partnerships with innovative organisations usually provide services that will drive the new company forward. And Hawk network has partnered with big companies from both cryptocurrency and centralised worlds.


• Hawk Network has partnered with Kakao, a Korean Social giant with over 50 million active corporate users. — a partnership with Kakao will provide a stream of users ready to adopt the solutions.

• Hawk network has signed a collaboration with Unicom — a major market share holder in telecommunications and IoT based smart utility market in China

• Hawk Network has partnered with Alipay, a payment gateway for Asia's largest e-commerce company.

• Hawk network has signed a business agreement with Klaytn blockchain platform, a subsidiary of Kakao

• Hawk network has partnered with Singapore based tech and transport giant, Grab — the company specializes in ride-hailing transport services, food delivery and payment solutions.

• Hawk network has partnered with TransLink, Canada's leading transportation company. The agreement will facilitate offline operations.

• Hawk network has signed a partnership with world blockchain organisation (WBO) to provides perfect solutions for cities through big data and smart traffic management



Token Economy
•  Total(100%): 20 billion HAWK
•  Token Sale(20%): 4 billion HAWK
•  Team and Company founders (13%): 2.6 billion HAWK
•  Public Offering Wheel (10%): 2 billion HAWK
•  Ecological Stimulation (10%): 2 billion HAWK
•  Private Placement (2%): 400 million HAWK
•  Seed Round (1%):  200 million  HAWK

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Writer's detail
Bitcointalk username: CRYPTICYASU
Eth: 0x126C278E6e446aaB2c85F0ce0702E315Fc03eA2A

Getting access to capital remains very challenging despite the advancements in global financial infrastructure. This difficulty is far more poignant in underdeveloped and developing countries around Asia. In the world’s weakest nations, capital is controlled by only few hands and banks while other financial institutions limit loans exclusively to the elite. This skews the wealth gaps further apart in a series of negative feedback cycles.

Due to this reason, it seems like innovation only exists in developed nations. The reality, however, is that the social structures available in underdeveloped nations suppress innovation by not giving entrepreneurs the opportunity to pitch their ideas and pursue their dreams. Everyone is a victim of this tragedy — MSME merchants and entrepreneurs are pushed to give up — the undeveloped countries never reach the point of establishing powerful new companies to carry them forward, and the world never gets the opportunity to utilize countless products and services that could potentially improve human life.

ICOs (Token offerings) has offered some sort of solution to this situation and many entrepreneurial teams across the world have sought this opportunity to establish their visions. However, a major limitation to ICOs is that they do not allow MSME companies to gain access to funding if they have no need to issue tokens. Due to this, out of desperation, some teams issue tokens when they have no need to, and this elevates regulations against ICOs as unnecessary tokens are essentially scams. There has been plenty of criticism at the situation, but there has been little attempt to remedy the cause of the dilemma that pushes people to transgress legal limitations.

At least, there hadn’t been until now…
Tokoin is About to have a Major Social Impact



The popular moon-lambo rhetoric that was once a meme has now become a real goal of many in the blockchain community and that has pushed this sphere away from the notion that seeded this entire market: opportunities for all. The blockchain was meant to decentralise opportunities even to farthest part of the world. And Tokoin is bringing the benefit of blockchain technology to Indonesia to empower MSMEs and emerging markets in the country



Tokoin could very well be a great investment opportunity, but this product is going beyond money with its value offering. Tokoin is creating a decentralized platform where merchant and MSME owners can register and create a digital identity and marketable reputation in order to attract investors. more details here

The social depth a revolutionary product like Tokoin will achieves is going to have a ground-breaking impact in the world’s developing nations like Indonesia where access to capital had long been an impossible journey for MSMEs and emerging markets. Tokoin truly brings opportunity to the masses, and part of those benefitting are those who had needed a brink of hope to once again pursue their dreams.

Beyond Money

With Tokoin, merchants and MSMEs in Indonesia and other part of the world would have the ability to pitch their ideas and to issue equity for funding. Individuals and teams who could not have ever reached such an offer through the traditional financial institutions in their own countries, now have access to a global pool of investors who will purchase their equity if they are genuinely providing a revolutionary product or service.

How Tokoin works
Tokoin finds an opportunity to create a trusted and reputable profile for MSMEs by assembling non-financial data from MSMEs, such as the data submitted in the KYC protocol to be developed into a Digital Business ID. All the business data from daily operations which are previously scattered will also be transformed into a Digital Ledger to strengthen the digital profile of each business and grant it a solid reputation. The digital identity created on the Tokoin platform by the merchants is used by the investors who wish to invest in emergency in no markets and MSMEs with good product



Tokoin project, certainly, will generate wealth for the MSME teams creating the product or service. But more than that, the project is giving opportunities to merchants and retailers who never had any. Tokoin could be the seed that sets a positive cycle into motion: entrepreneurs and emerging markets in countries with weak social structures can now have capital necessary to develop innovative products to compete on a global level — this will allow those societies to break out of the shackles of poverty.

According to the words of Victor Hugo; ''there is nothing stronger than an idea “whose time has come.” With Tokoin, many buried ideas of those who had once lost hope are now about to have their time, and with them, the individuals and teams behind them are about to have their time.

Wrap Up
Tokoin pushes globalization to a new level. It connects the world in a manner that social restriction and structural limitations caused by the lottery of birth will now matter less. A person’s fate may no longer be decided by where he or she is born. A new wave is coming, and any small business with good product can not be sponsored and supported with required capital to break into the market.

Note: Tokoin project has completed its fundraising through IEO — and TOKO token is already trading on exchanges. You can purchase the token on OkEx exchange.

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Recently, quite a few number of blockchain-powered payment products have been created. These products have either aimed at making payment cards that allow crypto transactions for daily usage or have aimed at developing point of sale systems that can support cryptocurrency. indeed these are honorable approaches but they face a major shortcomings.

Cryptocurrency payment cards will face similar problems faced by traditional currencies; the goal of the blockchain movement is to eliminate the need for middlemen. As for the payment networks, they do not incentivize merchants enough to adopt their products beyond the offer of access to a new market.

AIGOPay blockchain project have developed a payment product and are deploying a powerful product strategy.


AIGOPay Product Strategy
AIGOPay is a startup payment network that will allow individuals and businesses to utilise cryptocurrency for their daily payment transactions without incurring costs and chargebacks. In addition, AIGOPay will, AIGO AI-payment chain mechanism which will usher a new widescale method for payments.


Yes, the major selling points of AIGOPay is that they have tailored their product for businesses. AIGOPay's protocol will give them access to a massive new market of cryptocurrencies. But the main attractive factor here is that AIGOPay intends to make cryptocurrency payments feasible in daily usage. This potentially makes AIGOPay a superior payment product designed for the cryptocurrency market.

AIGOPay Payment Cards
Unlike most blockchain projectAIGOPay Payment Cardss that proposed to offer payment card that will allow usage of cryptocurrency for payments but have failed to implements such ideas, AIGOPay lives out the true blockchain concept. AIGOPay understands that traditional Payment cards (MasterCard and Visa) rely on middlemen to process payments and will retain the expensive transactional method that the blockchain movement intends to eliminate. Hence AIGOPay is developing its own payment network, the company will disperse an AIGO A-Card that can help overcome the solution of fiat currency withdrawal (Crypto Card Bank) and also to pay bills without the slightest fee.


AIGOPay's plan to develope its own payment protocol that will rival those of existing traditional card networks, is bringing cryptocurrencies to the mass utility in a way that aligns with the core interests of this community. It eliminates all middlemen involved in card networks and it makes way for cheaper transactions with no chargebacks

AIGOPay A-Wallet
A number of internet wallets have been created to be used to facilitate payments on the internet. In theory, these are a good concept as naturally, businesses want access to new markets. But the fact remains that the crypto market, despite being worth hundreds of billions, is split across a massive population. Many small businesses may not see a benefit in utilising an e-wallet system that may only bring them a small volume of additional transaction from their local vicinity.

This is where AIGOPay comes into mind —it makes its product desirable to businesses. businesses, especially small ones, are at the mercy of tradition payment system and card networks. Conventional Card networks are expensive and eat a heavy part of their profits and they bring the threat of chargebacks.

AIGOPay has created a wallet dashboard of accounts which will be used to view account details and to connect wallet-to-wallet. The wallet is the user's private key holder, whether the user executes an payment action or approves the wallet via the blockchain. A-Wallet will facilitate the interaction of bill payments and between accounts. This interaction consists of PullRequests, approves transactions, shows transaction history, and also displays account. AIGOPay has developed the A-Wallet for mobile phones and PC or desktop computers.

AIGOPay's product is designed to target and solve the problems of payment felt by businesses, especially the small ones. The pull pay protocol, together with support for crypto will allows AIGOPay to offer businesses lower transaction fees while also removing chargebacks. Also, transactions remain secure thanks to the blockchain. AIGOPay product strategy has been to create something that every individual and businesses would not only want, but need.


AIGOPay's strategic plan is to develop a product that merchants would want — a new way of accepting cashless payments through cryptocurrencies. Since merchants are in a need of an alternative to card networks, particularly the small ones, they will accept the pull payment protocol—and the additive: ability to accept cryptocurrencies.

A Tested Approach
Big corporations are not usually quick to adopt new products that have a direct impact on every aspect of their operations. And payments are critical to any business. On the other hand, many smaller businesses are willing to try solutions that will lower their costs. Square Inc. successfully entered the payment markets by targeting small businesses.

AIGOPay is following a tested approach by developing a product that will have an instant appeal to small businesses. As adoption grows, they can tackle pitches to the larger companies.

ESSENTIAL AIGOPAY PROJECT LINKS
Web: https://aigopay.tech
Whitepaper: https://drive.google.com/file/d/17K2inOew076KJ_iTKL3n4g0tDz8JXUf0/view
Telegram: http://t.me/aigo_global
Twitter: https://twitter.com/aigopay
LinkedIn: https://www.linkedin.com/company/aigopay

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BTT name: Gorozo
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