NY Regulators to Pair Companies with 'Guardians' for a

[Discussion] TestFlight Public Beta Links V2

EDIT: I'm really baffled as to why there are people downvoting this. You're only preventing other people on the sub-reddit from seeing this by doing so. Think about other people who have been looking for some of these links for months before you downvote this post for zero reason.

New Thread for y'all!

Here are the TestFlight links I have come across so far. I will update this continually as I find more and as you guys post more. Happy testing!

Tip: Use Ctrl+F to find links to your favorite applications quicker

If you like what you see, feel free to Venmo me! I just graduated college and will have to start paying back loans soon, so anything is extremely appreciated. Feel free to send me your username too, if you want a shoutout on this post!

Venmo: MichaelBertolino

Old Post: https://www.reddit.com/iOSBeta/comments/9so4u8/discussion_testflight_public_beta_links/

Update #1: Added column for the people who wanted to know when new links were added. You're welcome.
Update #1.5: I will remove the links after every tenth link that is added, so make sure to check the list daily!

Update #2: Since this list is becoming a lot bigger, I'm adding a column for apps that I endorse (whether I like them or not) or have on my phone, so that people can find better quality apps quicker.

Up to date as of 10/24/19 @ 10:05 AM EST
Date Added OP approved // On My Device Application Link Sauce // Instructions
Yes // Yes 1.1.1.1: Faster Internet https://testflight.apple.com/join/Sl7m9yyz Courtesy of u/rgllm
1Blocker X https://testflight.apple.com/join/KjmVWFnT Courtesy of u/loudmoutholeary
Yes // No 1Password https://testflight.apple.com/join/flDiG5AU Courtesy of u/BillyCurtis
2Do - Todo List, Tasks & Notes https://testflight.apple.com/join/McBV96Wi Courtesy of u/BillyCurtis
Yes // No 9GAG: Best LOL Pics & GIFs https://testflight.apple.com/join/S2q4mD2b Courtesy of u/jengyong
AdGuard https://surveys.adguard.com/beta_testing_program/form.html Courtesy of u/Birdman-82 // Form
all 4 hue (for Philips Hue) https://testflight.apple.com/join/4Jc5hX2s Courtesy of u/bkmgtpe
Area51: A Client for Reddit https://testflight.apple.com/join/V6vpApGX Courtesy of u/Nicolaspatate
Airchat for AirPods https://testflight.apple.com/join/wL0ZRXln Courtesy of u/Vegetapple
Yes // No Airmail https://testflight.apple.com/join/1AcpfFq3 Courtesy of u/TSUTiger
AmazFaces https://testflight.apple.com/join/4hBEKHHg Courtesy of u/RobinBaerheim
Andrana Project https://testflight.apple.com/join/RorSFmpx Courtesy of u/BillyCurtis
Yes // No AnyList https://testflight.apple.com/join/xwvLPc6o Courtesy of u/BillyCurtis
Armajet https://armajet.com/ Courtesy of u/BillyCurtis // Form. Scroll down to bottom
Artstudio Pro: Draw Paint Edit https://testflight.apple.com/join/Npva2kOl Courtesy of u/BillyCurtis
Banana Racer https://testflight.apple.com/join/F7OpC9rE Courtesy of u/potencia2001
Yes // No BBC Sport https://testflight.apple.com/join/LWzWwU8q Courtesy of u/Vegetapple
Beatwave https://testflight.apple.com/join/2ZowJ3D3 Courtesy of u/BillyCurtis
Yes // No BETA PUBG MOBILE https://testflight.apple.com/join/N2px9MKy Courtesy of u/suuuuuuuuja
9/18/19 Binfinder: Find litter bins https://testflight.apple.com/join/B4geEYHD Courtesy of u/RobinBaerheim
Yes // No BlackBerry Messenger (BBM) https://docs.google.com/forms/d/e/1FAIpQLSfMwOqEZn6mFtuz9FhzreOdysmTbSaRnOO3LCIHY1Uwt2f31A/viewform Courtesy of u/BillyCurtis // Form
Yes // No Buffer: Social Media Manager https://testflight.apple.com/join/DOpMcusn Courtesy of u/BillyCurtis
Bullet Force https://bulletforce.herokuapp.com/ Courtesy of u/BillyCurtis // Form
CARROT Fit https://testflight.apple.com/join/rhsofJcx Courtesy of u/loudmoutholeary
9/29/19 Castro Podcast Player https://testflight.apple.com/join/rcoPrQZ3 Courtesy of u/RobinBaerheim
Cs Music Player https://testflight.apple.com/join/dU2r1pkq Courtesy of u/Birdman-82
ChastiKey https://testflight.apple.com/join/0pHRZcVD Courtesy of u/BillyCurtis
CHUNE https://testflight.apple.com/join/7gH8i3pN Courtesy of u/BillyCurtis
Cloud Baby Monitor https://testflight.apple.com/join/LiFkmauz Courtesy of u/alexrianne
CoinView: Bitcoin Altcoin App https://testflight.apple.com/join/zjjpM7eC Courtesy of u/BillyCurtis
Comet https://testflight.apple.com/join/AShWXMYH Courtesy of u/Cesuva
Controller for HomeKit https://testflight.apple.com/join/W8RcBWhh Courtesy of u/BillyCurtis
Custom Contacts 2 https://testflight.apple.com/join/uOLgKHRN Courtesy of u/RisksvsBenefits
9/29/19 Dark Odds https://testflight.apple.com/join/oyTaqKjv Courtesy of u/RobinBaerheim
Darkroom – Photo Editor https://testflight.apple.com/join/mzR3XvHe Courtesy of u/Vegetapple
Yes // No Day One Journal https://testflight.apple.com/join/NXLBigzY Courtesy of u/BillyCurtis
Debit & Credit https://testflight.apple.com/join/FvufwHrV Courtesy of u/BillyCurtis
Yes // No Deezer https://docs.google.com/forms/d/e/1FAIpQLScFW5Cc0tdycEegIASXWqEn-512i_qTVPlvXoaearB12r35Fw/viewform?c=0&w=1 Courtesy of u/K2rtman
detektor.fm https://testflight.apple.com/join/XocX8UGc Courtesy of u/BillyCurtis
DEV Community https://testflight.apple.com/join/7Wq8VRLQ Courtesy of u/BillyCurtis
Yes // Yes Discord https://testflight.apple.com/join/gdE4pRzI Courtesy of u/TSUTiger
Dog Scanner https://testflight.apple.com/join/OOrSaq4J Courtesy of u/arcangel_06
Yes // Yes Dropbox https://testflight.apple.com/join/LBZaRq4I Courtesy of u/Nicolaspatate
9/18/19 Yes // Yes Email - Canary Mail https://testflight.apple.com/join/oH6AKZC0 Courtesy of u/kamsa6-fojbiz-nesXem
Emma - Money Management https://testflight.apple.com/join/KSO9dtAn Courtesy of u/BillyCurtis
9/18/19 Eternal Love M https://testflight.apple.com/join/4O9GPjMk Courtesy of u/RobinBaerheim
Yes // No Facebook Light https://testflight.apple.com/join/UqEC1ibq Courtesy of u/Birdman-82
Yes // Yes Facebook Messenger https://testflight.apple.com/join/njVWbUm0 Courtest of u/dmbaio
FanFiction.Net https://testflight.apple.com/join/NLrhkf2U Courtesy of u/BillyCurtis
Yes // No Feedly https://testflight.apple.com/join/DcxRQdP9 Courtesy of u/TSUTiger
Yes // No Fenix For Twitter https://testflight.apple.com/join/poQA1Iml Courtesy of u/TSUTiger
FIFA: Gameplay First Look https://testflight.apple.com/join/B0QRLciS Courtesy of u/BillyCurtis
9/18/19 Fight Back to the 80's Match 3 https://testflight.apple.com/join/xt9cIUk1 Courtesy of u/RobinBaerheim
Yes // No Firefox https://www.mozilla.org/en-US/firefox/ios/testflight/ Courtesy of u/syralspiral // Requires an E-Mail Address
FotMob Live Soccer Scores https://testflight.apple.com/join/zEAwGlrV Courtesy of u/BillyCurtis
Freebox https://testflight.apple.com/join/q9vICEOv Courtesy of u/Vegetapple
GAMEE - Play with your friends https://testflight.apple.com/join/WdjtLFsf Courtesy of u/BillyCurtis
Garadget 2 https://testflight.apple.com/join/fdJQnYQ2 Courtesy of u/BillyCurtis
GawkBox https://testflight.apple.com/join/miOgmpZa Courtesy of u/BillyCurtis
GROM - Get Rid of Minions https://testflight.apple.com/join/5k0dF9zs Courtesy of u/BillyCurtis
Yes // No GroupMe https://testflight.apple.com/join/6CcTotfX/ Courtesy of Yours Truly
Yes // Yes Google Apps (Every. Single. One.) (Best find ever) https://previewapps.withgoogle.com/ Courtest of u/ryangoldstein // Click on "Get Access" at the top right of the screen
Yes // Yes Google Chrome Beta https://www.google.com/chrome/beta/ Courtesy of Yours Truly // Click on "Download Chrome Beta" on an iOS device
Guide Meditation https://testflight.apple.com/join/Apcb3YLW Courtesy of u/BillyCurtis
Yes // No Happy Mail for Gmail https://testflight.apple.com/join/Pg9PbgEw Courtesy of u/arcangel_06
Hexer – Hex File Viewer https://testflight.apple.com/join/YqMTA9lr Courtesy of u/Kamik423
Highlights - Export PDF Notes https://testflight.apple.com/join/Abrd4mE4 Courtesy of u/BillyCurtis
9/18/19 Yes // No Hire by Google https://testflight.apple.com/join/pv5dbYgF Courtesy of u/RobinBaerheim
Home Assistant Companion https://testflight.apple.com/join/XCUga7ko Courtesy of u/BillyCurtis
iCertifi https://testflight.apple.com/join/hnyqQHH0 Courtesy of u/BillyCurtis
Idle Space: Cargo Empire https://testflight.apple.com/join/SGPJ8FJK Courtesy of u/Ultimastar
Yes // Yes IFTTT https://docs.google.com/forms/d/e/1FAIpQLSdXzjY_hv8F8UMa58IIEmqAyZ_ixAbxxltiuwQAWa_9uyYEMQ/viewform?c=0&w=1 Courtesy of u/BillyCurtis // Form
Yes // No Imgur - Meme & GIF Maker https://testflight.apple.com/join/Qd42y5Pw Courtesy of u/Vegetapple
infltr - Infinite Filters https://testflight.apple.com/join/In6e3GcJ Courtesy of u/BillyCurtis
iSH Shell https://testflight.apple.com/join/97i7KM8O Courtesy of u/gnomeuser
Yes // No Jira Cloud by Atlassian https://testflight.apple.com/join/2lm7vHBS Courtesy of u/thekirbylover
KARMA: Social Network For Good https://testflight.apple.com/join/lpnVgcmV Courtesy of u/Vegetapple
Yes // No Kaspersky Security Cloud https://testflight.apple.com/join/yst7K78b Courtesy of u/BillyCurtis
Yes // No LastPass Password Manager https://testflight.apple.com/join/fy7LvHVA Courtesy of u/RobinBaerheim
LFIX https://testflight.apple.com/join/TYoQEz4T Courtesy of u/BillyCurtis
Map Pilot for DJI https://testflight.apple.com/join/FWOdp61T Courtesy of u/BillyCurtis
10/3/19 Maze Machine https://testflight.apple.com/join/37BftFj2 Courtesy of u/RobinBaerheim
Yes // No Mega https://testflight.apple.com/join/4x1P5Tnx Courtesy of u/Nicolaspatate
9/19/19 Memento: Modern Reminders https://testflight.apple.com/join/aRvubPov Courtesy of u/kamsa6-fojbiz-nesXem
Yes // No Microsoft Cortana https://testflight.apple.com/join/4IHpEYnz Courtesy of Daniel Rubino from Windows Central
Yes // Yes Microsoft Edge https://testflight.apple.com/join/VtDI7uRL or See Right Column Courtesy of u/DarkUv77 & Yours Truly // Go into the settings within the Microsoft Edge browser and look at the middle option for "Join Microsoft Edge Beta" and badda-boom-badda-bing
Yes // No Microsoft Excel https://aka.ms/iOSInsiderExcel Courtesy of Yours Truly
Yes // Yes Microsoft OneDrive https://testflight.apple.com/join/LtgPLzrQ Courtesy of u/TSUTiger
Yes // No Microsoft OneNote https://aka.ms/iOSInsiderOneNote Courtesy of Yours Truly
Yes // No Microsoft Outlook https://aka.ms/iOSInsiderOutlook Courtesy of Yours Truly
Yes // No Microsoft PowerPoint https://aka.ms/iOSInsiderPowerPoint Courtesy of Yours Truly
Yes // No Microsoft Remote Desktop Beta https://testflight.apple.com/join/vkLIflUJ Courtesy of u/Rukario
Yes // Yes Microsoft To-Do https://testflight.apple.com/join/JSq3UkAz Courtesy of u/DiegoNavarro
Yes // No Microsoft Word https://aka.ms/iOSInsiderWord Courtesy of Yours Truly
Mojo - Create Video Stories https://testflight.apple.com/join/AJlrDMao Courtesy of u/BillyCurtis
Momento - GIF Maker & Creator https://testflight.apple.com/join/HzErGQWT Courtesy of u/BillyCurtis
Moonscape - Crypto Tracker https://testflight.apple.com/join/eIKd6q8T Courtesy of u/BillyCurtis
Musixmatch Lyrics Finder https://testflight.apple.com/join/7yLzN5td Courtesy of u/Vegetapple
MyPal https://testflight.apple.com/join/Jj3B6vQ8 Courtesy of u/BillyCurtis
Netwa - spy for Whatsapp https://testflight.apple.com/join/7GMwTEZw Courtesy of u/BillyCurtis
Yes // No The New York Times https://testflight.apple.com/join/gfiSREAr Courtesy of u/sushiinyourface
Nextcloud https://testflight.apple.com/join/GjNbfo2a Courtesy of u/BillyCurtis
NoiseHub https://testflight.apple.com/join/ulV8RPis Courtesy of u/BillyCurtis
10/3/19 Yes // No Notability https://support.gingerlabs.com/hc/en-us/articles/216037238-Apply-to-Beta-Test-Notability- Courtesy of u/jraspiprojects // Form
NotePlan - Markdown Calendar https://testflight.apple.com/join/mrSbc937 Courtesy of u/BillyCurtis
NSScreencast https://testflight.apple.com/join/zNLNVYtN Courtesy of u/BillyCurtis
Omlet Arcade https://testflight.apple.com/join/xqSLy94a Courtesy of u/BillyCurtis
Onedox: For household bills https://testflight.apple.com/join/Dqh55OBl Courtesy of u/CashMc1234
Yes // No osu! https://testflight.apple.com/join/2tLcjWlF Courtesy of u/151010
Overcast https://testflight.apple.com/join/ua0oicPc Courtesy of u/Kamik423
ownCloud https://testflight.apple.com/join/Oktj0iKv Courtesy of u/BillyCurtis
Parcel - Delivery Tracking https://testflight.apple.com/join/fMeg6C4A Courtesy of u/KvasiSide
Password AR https://testflight.apple.com/join/BUsyXf0e Courtesy of u/RobinBaerheim
PDF Expert 7: PDF Editor https://testflight.apple.com/join/UE75wprO Courtesy of u/Icy_Instance
PDF Viewer Pro by PSPDFKit https://testflight.apple.com/join/6IMUtZ8n/ Courtesy of u/BillyCurtis
Phosphor https://testflight.apple.com/join/IuKvZwqy Courtesy of [deleted]
Yes // No Plex https://testflight.apple.com/join/MY6JTzix Courtesy of u/Birdman-82
Yes // No Pocket: Save. Read. Grow. https://testflight.apple.com/join/LxKzQMpu Courtesy of u/BillyCurtis
Pushover Notifications https://testflight.apple.com/join/vkwfdWM0 Courtesy of u/BillyCurtis
Pythonista 3 https://testflight.apple.com/join/qDkBu2ur Courtesy of u/HarryLafranc
Yes // No Quizlet https://testflight.apple.com/join/mwhcPqxJ Courtesy of u/Vegetapple
Rad Trails! https://testflight.apple.com/join/S7tXxfKK Courtesy of u/BillyCurtis
RainViewer Storm Radar https://testflight.apple.com/join/OZ1B4sTS Courtesy of u/BillyCurtis
Yes // Yes Reddit (Ayyy!) https://docs.google.com/forms/d/e/1FAIpQLSeLqxowkVPOenOPx5PISXK4dnXAW7FJ3mw434UX_IDeIMTXzQ/viewform Courtesy of u/BillyCurtis // Form
RetailBox https://testflight.apple.com/join/nNT4O8vg Courtesy of u/RobinBaerheim
Revolut - Radically Better https://testflight.apple.com/join/oqrinjQB Courtesy of u/liamdaly
rIPTV https://testflight.apple.com/join/CtqNdLDe Courtesy of u/BillyCurtis
RoomScan Pro https://testflight.apple.com/join/srkYDsAE Courtesy of u/BillyCurtis
Screens https://testflight.apple.com/join/soRRXSyT Courtesy of u/Vegetapple
SHAREit - Connect & Transfer https://testflight.apple.com/join/eKumKU50 Courtesy of u/BillyCurtis
SideCoach https://testflight.apple.com/join/nT69xbrU Courtesy of u/BillyCurtis
Yes // No Signal - Private Messenger https://testflight.apple.com/join/8FHtd1Jq Courtesy of u/yxkillz
Skies Of Chaos https://testflight.apple.com/join/l31tKFJF Courtesy of u/BillyCurtis
Yes // No Skype For iPhone https://testflight.apple.com/join/fB5IkJT7 Courtesy of u/Suavechef
Yes // No Skype For iPad https://testflight.apple.com/join/vnSIsolv Courtesy of u/Suavechef // May need to initiate beta from an iPad
Yes // No Slack https://slack.com/intl/en-en/beta/ios Courtesy of u/TSUTiger // Form
Sleep Cycle alarm clock https://testflight.apple.com/join/8RcEFqFF Courtesy of u/BillyCurtis
Slide for Reddit https://testflight.apple.com/join/NpnhNwID Courtesy of u/TSUTiger
Yes // Yes Snapchat https://testflight.apple.com/join/crlFhtQy Courtesy of Yours Truly
Social Dummy https://testflight.apple.com/join/lQu46sXI Courtesy of u/BillyCurtis
Speck - Web Playground https://testflight.apple.com/join/r6kZKMzv Courtesy of u/BillyCurtis
9/18/19 SpeedCN - 海外VPN网络加速器 https://testflight.apple.com/join/Ks9a8MlH Courtesy of u/RobinBaerheim
Yes // Yes Spotify https://testflight.apple.com/join/1SyedSId Courtesy of u/mainhathao
Status - Ethereum. Anywhere. https://testflight.apple.com/join/J8EuJmey Courtesy of u/BillyCurtis
10/24/19 Stop Motion Studio Pro https://testflight.apple.com/join/rfWbdRvr Courtesy of u/mitarm
Stream Status https://testflight.apple.com/join/j0WQVihy Courtesy of u/BillyCurtis
Stripe Dashboard https://testflight.apple.com/join/yUNxkvHz Courtesy of u/BillyCurtis
sudo crabs https://testflight.apple.com/join/dGjdmtXH Courtesy of u/Thumbender
Yes // No SwiftKey Keyboard https://testflight.apple.com/join/yhIhAvjp Courtesy of u/khaskin
Tapatalk - 200,000+ Forums https://testflight.apple.com/join/oGFXVgl6 Courtesy of u/BillyCurtis
Yes // No Telegram Messenger https://testflight.apple.com/join/u6iogfd0 Courtesy of u/RobinBaerheim
Tik-App https://testflight.apple.com/join/wGEkmFU9 Courtesy of u/BillyCurtis
tippin wallet https://testflight.apple.com/join/lZN7Ovt4 Courtesy of u/RobinBaerheim
Yes // No Todoist https://testflight.apple.com/join/L2pBORZN Courtesy of u/TSUTiger
TouchViZ https://testflight.apple.com/join/7BF3A3uz Courtesy of u/BillyCurtis
TrackMyTour https://testflight.apple.com/join/tv9dt6po Courtesy of u/BillyCurtis
Yes // No Trello https://docs.google.com/forms/d/e/1FAIpQLSdAPooUD9bUqo3NeKNgMyB0nyyxacLIZPhpTUa_TKeq5V2x5g/viewform?c=0&w=1 Courtesy of u/CashMc1234 // Form
Truecaller https://testflight.apple.com/join/EvXKvGti Courtesy of u/adriank1410
Yes // No Tumblr https://testflight.apple.com/join/nTNSXGV3 Courtesy of u/BillyCurtis
TV Time - #1 Show Tracker https://testflight.apple.com/join/hjKkDsc4 Courtesy of u/BillyCurtis
Yes // Yes Twitch Beta https://testflight.apple.com/join/8vRKFAiY Courtesy of u/ImFirstPlace
Yes // Yes Twitter https://survey.twitterfeedback.com/survey/selfserve/53b/190114# Courtesy of Yours Truly // Form
Unwrap - Learn Swift https://testflight.apple.com/join/ROxI9xSR Courtesy of u/BillyCurtis
USA Jeans https://testflight.apple.com/join/ofzlBtgu Courtesy of u/BillyCurtis
9/18/19 Vevue_Beta 2.0 https://testflight.apple.com/join/Q5ukVEbX Courtesy of u/RobinBaerheim
Vipps https://testflight.apple.com/join/PiqONC9z Courtesy of u/RobinBaerheim
Voxel Max https://testflight.apple.com/join/qAKOfekt Courtesy of u/voxelmax
10/24/19 waipu.tv https://testflight.apple.com/join/l72L1OK3 Courtesy of u/dreamdorian
Wasder https://testflight.apple.com/join/aDd1SGCs Courtesy of u/BillyCurtis
Yes // No Waze https://waze.centercode.com/key/TM87VS0B372NFT1W Courtesy of Yours Truly // Form
Weather Atlas • Weather Radar https://testflight.apple.com/join/dFF860Jn Courtesy of u/arcangel_06
Weather Up ▴ https://testflight.apple.com/join/dFF860Jn Courtesy of u/Suavechef
Yes // No WhatsApp https://testflight.apple.com/join/s4rTJVPb Courtesy of u/CashMc1234
Yes // No WhatsApp Business https://testflight.apple.com/join/oscYikr0 Courtesy of u/stalker08
Yes // No Whiteboard https://testflight.apple.com/join/HSWkbCxV Courtesy of u/TSUTiger
Yes // No Wikipedia https://testflight.apple.com/join/Z0AU0KXC Courtesy of u/Vegetapple
WireGuard https://testflight.apple.com/join/63I19SDT Courtesy of u/gnomeuser
Yes // No Wordpress https://testflight.apple.com/join/AkJQt8Pw/ Courtesy of u/TSUTiger
World Clock Time Widget https://testflight.apple.com/join/8wa9T053 Courtesy of u/lasmit
Yes // Yes Xbox App https://testflight.apple.com/join/dfUeaFHS Courtesy of u/Fvck_Tomat0es
Yes // No Xbox Game Pass https://forms.office.com/Pages/ResponsePage.aspx?id=v4j5cvGGr0GRqy180BHbR0c5fGl9AhlIoNmo_MXb95dUMzE2UzM2OFU2S09QUFg4RjQ0Uks3ODA3SS4u Courtesy of u/Birdman-82 // Form
XP App https://testflight.apple.com/join/f3nwgini Courtesy of u/BillyCurtis
Yes // Yes YouTube https://docs.google.com/forms/d/e/1FAIpQLScXSPpWexJvxII3iE4wHfwusIccCDnv82eEjw_7FcO84KMEJw/viewform Courtesy of u/J7LTH // Form
YTCount – Subscriber Count https://testflight.apple.com/join/etMYrqRF Courtesy of u/BillyCurtis
Zap - Lightning Wallet https://testflight.apple.com/join/P32C380R Courtesy of u/BillyCurtis
submitted by MikeBert97 to iOSBeta [link] [comments]

We have observed one of the biggest collapses of the US stock market in recent years. The technological index Nasdaq dropped by 4.43% over just one day. Stay in touch with the current events of the week covered in our analytical report.

We have observed one of the biggest collapses of the US stock market in recent years. The technological index Nasdaq dropped by 4.43% over just one day. Stay in touch with the current events of the week covered in our analytical report.
We present to you the report filed by the analysts of our private club for October 22–28.
Main market events for October 22–28, 2018
1) Bakkt will be launched on December 12 if the regulators grant the permission.
2) Internal sources of the CBOE exchange claim that approval of Bitcoin ETF is inevitable. According to the SEC, VanEck, SolidX and CBOE resolved all the issues and it is only a matter of time before the new asset class is approved.
3) The Department of Financial Services (DFS) of New York has permitted Coinbase to develop Custody. The Bank of Japan admits that the bank may lose a lot of influence due to emergence of cryptocurrencies. $500m worth of USDT have been destroyed (burned) by Tether.
4) The Central Election Commission of Russia supported the initiative of the Party of Growth to run elections in Russia on blockchain, which would prevent doctoring of the results.
5) In June 2019, the Financial Action Task Force on Money Laundering (FATF) will start publishing its standards for international regulation of cryptocurrencies.
6) The British audit and consulting company Ernst & Young (EY) conducted a study on the efficiency of 110 ICO projects: only 1 out of 10 tokens managed to bring profit to their owners.
7) Constantinople — the hard fork of Ethereum network — is delayed until the beginning of 2019. The developers made this decision after discovering several bugs when launching the update in the test network.
8) Visa will launch a digital identification system on the B2B Connect blockchain in early 2019. The system would tokenize private information that ensures secure international transactions.
9) The Swiss online bank Swissquote now enables purchasing ICO tokens. You can buy them through an online bank account. Acquired tokens will be stored in a special wallet.
10) HTC has presented the first iteration of the blockchain smartphone Exodus 1 in Berlin. The smartphone is expected to go on sale in 34 countries this December. The device will cost 0.15 BTC or 4.78 ETH.
11) Blockchain platform for distributing video content TaTaTu, which raised $585 million during the ICO, signed an agreement with Johnny Depp. The actor’s film company Infinitum Nihil would produce movies and digital content for TaTaTu.
12) Chairman of the State Duma Committee on the Financial Market Anatoly Aksakov explained that absence of the concepts of “mining” and “bitcoin” in the draft law “On digital financial assets” hints to a “sad” future for cryptocurrencies.
13) The Japan Association of Virtual Currency Exchanges (JVCEA) received the right to self-regulation from the country’s main regulator, the Japan Financial Services Agency (FSA).
14) The Taiwan Financial Supervision Commission will simplify the procedure for launching ICOs in the country and fully legalize them.
15) Tether Limited burned 500 million USDT tokens. The company once again noted that any USDT owner could redeem their tokens with real US dollars that secure the cryptocurrency.
16) The branch of the China International Economic and Trade Arbitration Commission in Shenzhen decreed that the ownership of bitcoins in China should be considered legal.
17) The Ministry of Finance prohibited the British Royal Mint to issue the Royal Mint Gold (RMG) cryptocurrency, backed by gold.
18) Ripple published a financial report for the third quarter of 2018: sales of XRP tokens increased more than twofold and generated revenue of $163.33 million.
19) While the major stock indexes collapsed, Bitcoin continued to stand its ground. This refutes the widespread claims that the price of Bitcoin correlates with traditional finances. It’s worth noting that the current collapse of the US stock market is one of the biggest in recent years. The fall in the Nasdaq technology index, which dropped by 4.43% over the day, was especially disheartening. This is the biggest fall since August 2011.
20) The number of Google search requests for the word “Bitcoin” decreased by 93% compared to last December. This is quite natural, because back then the price of Bitcoin reached its peak.
2. Market analysis from club experts for October 22–28, 2018
The last week was hardly surprising for crypto traders and investors. Volatility, pumps/dumps, despair and enthusiasm — all the usual stuff.
Compared to the stock market though, the waves of the crypto market begin to look pale sometimes. The total capitalization remained in the $208–211 billion corridor for the entire week, despite the worries.
Trading volumes were also fairly stable: $9–11 billion. BTC dominated the market at 54% without deviations, although the Altcoins performed very good.
In the end of the week, the price for 1 BTC remained the same: $6480 on Monday and Sunday, though it fluctuated between $6380 and $6540 ($6478 at the time of the report) during the week.
However, the last week showed a strong growth of a number of coins, despite the price of BTC, and many coins skyrocketed from the levels below TOP100 CMC. Last week the stock market experienced a rather sharp fall, and according to reports, a number of stocks have incomparably higher volatility than many coins from TOP100.
The general sentiment makes it clear that cryptographic market is gaining increasingly more attention of institutional traders and very soon trading instruments will be available through a single terminal in any market.
In the meantime, the blockchain technology and cryptocurrency are gaining momentum in the world, and that’s great! Though some cypherpunks are not happy about this!
3. Changes in the cost and capitalization of the TOP-10 cryptocurrencies in the period of October 22–28, 2018

https://preview.redd.it/91fmpru2t5v11.jpg?width=681&format=pjpg&auto=webp&s=91c4bc7dca5190cf8bf6c326bdae5d1f32002df4
4. TOP-3 growing coins from the long-term portfolio for October 22–28, 2018 (including portfolio updates) The fastest growing portfolio coins: IOTeX + 50% (), Neblio NEBL + 40% (), Decred DCR + 15% (listing on Binance). The worst performing coin is Mysterium MYST -28% — correction of the growth during the last week.
Want to be the first to receive news, updates from analysts and trade signals? Join @gitsupport channel and start earning with us!
submitted by Golden_Island_Club to u/Golden_Island_Club [link] [comments]

Of Wolves and Weasels - Day 191 - Barking Mad

Hey all! GoodShibe here!
I'm technically still on vacation, but in light of the news out of New York... I feel the need to comment.
If you're not aware of what's going on, the New York State Department of Financial Services is proposing a new regulatory framework for how all Cryptocurrencies work for the residents of New York State.
However, the way that it's worded, the way that it's been presented, it's incredibly vague in some areas while being incredibly strict in others.
They're designed to take 'untraceable digital cash' and, at pretty much every point along the chain, put someone's face and name to who had what and when.
This, of course, weakens Cryptos immediately in compared to, well, cold, hard cash -- which is largely untraceable. This bill, as it has been designed, seems to try and have a massive chilling effect on cryptocurrencies in general.
You can use cryptos, sure, but by the time they're done with them... why would you want to?
You can read the proposed Regulations here.
AmericanBitcoin has put together a TL;DR of the proposed reglations
goldcakes has put together a TL;DR of some of the ramifications
If you'd like to see a quick breakdown of exactly what's wrong with the proposal, I highly recommend you read this comment by MrMadden over in /Bitcoin, which is utterly fantastic.
dalovindj also has a great post on how this would effect our fellow Shibes.
Here's the thing: We always knew that this was going to be a problem. The idea that somehow the old, established system would just roll over and let the next generation step up to the plate without a fight is laughable.
And now we've seen the first volley. The warning shot off the port bow, so to speak.
The regulations that are coming out are, well, typical government overreach designed, specifically, to elicit the reaction that they are. They're big and scary and over-reaching.
But they're also designed so that, IF there's a public outcry, at a large enough scale, they can 'pull back' the more offensive over-steps and still come out of this with the regulation that they REALLY want.
If nobody stands up to complain or fight back about it... then bonus for them. The city of New York then gets global over-reach on a massive scale all under the guise of 'protecting it's citizens'.
Incidentally, if you hadn't noticed, Canada set the wheels in motion recently, with the first 'Bitcoin Law' which caused quite an uproar (remember when DogeDice closed down rather than meet the Canadian Government's new regulations?).
Here's the thing - and it's a truth that's as immutable as time itself:
Governments are going to Govern.
They will always move to exact as much power as we let them have over any new or emerging technology, especially where money is involved.
So... what can we do about it?
For those who don't live in the US, the best thing you can do is learn about this regulation - because, whether you like it or not, the Government of the State of New York is making it your business. Because anyone who does business with residents of the State of New York will have to submit to these regulations as well.
Meaning that if you do business with a business that does business with the state of New York, you will be subject to those same overreaches.
The long and short of the problem is this:
You have 45 days, starting on July 23rd, once the Regulations are formally published, to make a case to the people of New York that, whether they realize it or not, this bill is trampling their rights.
Because, that's how you defeat this issue.
We need to get NEW YORKERS to care about this issue.
If you're not in New York, your job is now to find a way to help make New Yorkers care about this issue.
I don't care which banner your coin flies - Bitcoin, Litecoin, Dogecoin, Reddcoin, Potcoin... this is effects us all and it's only just getting started.
How will this bill effect them? It might not, directly, lots of people aren't using cryptos yet. But it's the first step in something larger.
If this goes through unchallenged, then I foresee a whole new legal arms race to 'protect' ones citizens from, well, anything they like.
Because this is '... but think of the children!' for a whole new era.
This is classic government overreach.
If you're living in New York, you need to get in touch with your local representatives and let them know, unequivocally, that this is a voting issue for you.
That you will be watching to find out if they support this bill, and that if they do, you will be voting for the other guy.
The best way to deal with this problem is not to 'get angry'.
It's to 'get angry and get to work'.
Forget waiting for the Lobbyists and their big money to tell you how it's going to be.
If you want cryptos to survive - and this legislation, as stated, would make illegal having a QT wallet/node running on your computer - then -- every crypto-user on this planet -- is now a Lobbyist.
And, for my fellow Shibes, if there's one thing that /Dogecoin has proven good at, it's in getting the word out there.
We're smart, we're media savvy - we know how to get attention!
So, let's get organized.
Bring everyone on board - every coin, every crypto-user in every corner of the world.
Let's get active.
Because we've still got time to fight this.
Together!
It's 8:50AM EST and we've found 87.62% of our initial 100 Billion DOGEs -- only 12.38% remains until our period of Hyper-inflation ends! Our Global Hashrate is up from ~44 to ~46 Gigahashes per second and our Difficulty is up from ~641 to ~815.
As always, I appreciate your support!
GoodShibe
EDIT: I've created this brainstorming thread to try and help get ideas moving. Come join me!
EDIT 2: I've also started this post to ask for the community's permission/support to reach out to /bitcoin and other communities to try and organize a crypto-wide response to these regulations.
submitted by GoodShibe to dogecoin [link] [comments]

There is a 30 day comment period for the current Bitlicense proposal. Unless there are substantial changes, New York will be a Bitcoin dead zone

The 30 day comment period starts next week. Bitlicense, as proposed will force most companies that store customer BTC deposits to block New York IP addresses. There is very little chance that Lawsky will make any further changes to it, so what will this mean for Bitcoin around the world?
EDIT, as a reminder:
This is how the Bitlicense will affect Bitcoin businesses, taken from here:
http://www.reddit.com/Bitcoin/comments/2aycxs/hi_this_is_ben_lawsky_at_nydfs_here_are_the/cizyqyz
(I've added modifications in light of changes in the new proposal and information that I found was missing in the original write-up)
Entities are considered dealing in virtual currencies if:
.. to any resident in New York. Web services, even those incorporated overseas, must either comply or block access for NY users. (200.2n)
Entities 'dealing in virtual currency' must:
Added:
The (only?) good news: Merchants do not need a BitLicense to accept Bitcoin for a good or service. (200.3c2).
> This post was created for general guidance, and does not constitute legal advice. You should not act upon the information contained in this publication without obtaining specific advice from a professional. No representation or warranty (expressed or implied) is given as to the accuracy or completeness of the information contained in this post.
EDIT 2, targetpro suggested expressing any concerns you may have about the proposed regs to the NY Dept. of Finan. Services:
submitted by aminok to Bitcoin [link] [comments]

Marco Santori (Reg Affairs Committee Chair at the Bitcoin Foundation) breaks down the BitLicense

Note: This is NOT the Foundation's official response, just Marco's gut reactions...
http://two-bit-idiot.tumblr.com/post/92075292699/todays-bit-marco-santori-on-the-bitlicense
"Breaking Down the BitLicense" | Marco Santori, Regulatory Affairs Committee Chairman, The Bitcoin Foundation
Hi everyone. I’m Marco Santori. For those of you who don’t know me, I’m a lawyer here in New York City. About 90% of my practice is digital currency clients. My team represents some of the biggest names in crypto, and even more of the littlest names I hope you’ll all have to learn one day. I am also Chairman of the Bitcoin Foundation’s Regulatory Affairs Committee, but the thoughts in this post are my own, not those of the Foundation. Believe me, those are forthcoming.
You’ve likely felt the shockwaves of today’s seismic news: New York’s Department of Financial Services (DFS) has released proposed “BitLicense” regulations. Here is a quick rundown of some of the more interesting terms, along with my gut reactions – in no particular order and with very little filter.
Definition of Virtual Currency: “Virtual Currency” seems to include bitcoin and other convertible currencies, but specifically exclude WOW [World of Warcraft] gold and customer affinity points. Expectedly, there is no carve-out for coins used to track digital assets and there is no specific treatment of branded coins that are quasi-convertible.
Who Requires a License: Surprise! Everyone does. Direct purchasers and sellers, multi-sig wallet providers, merchant payment processors, custodial exchanges, hell, even local wallet software providers probably need one. Payment processors and payment networks all need licenses. Anyone who receives or transmits crypto as a business needs one. This is because the BitLicense language is even broader than the federal language, which only regulates those receiving and transmitting funds.
Identity Verification: If a BitLicense holder “opens an account” for a customer, then that firm must collect and retain the customer’s name and address, check the names against the OFAC SDN lists and retain that information for ten years. It’s difficult to know what “opens an account” means. Even if we figured that out, this is more than even traditional money transmitters are required to do.
Crypto is not a “Permissible Investment”: A BitLicense holder can only invest its earnings in: government securities, money market funds, insured CDs. No investing in Bitcoin. Strange – Moneygram is permitted to invest in dollars…
Full Reserve: A BitLicense holder may not lend or spend bitcoins that it is holding on its customers’ behalf. Those bitcoin “banks” out there promising returns on your “deposits” are going to be “felons”.
State-level AML Reporting: I’ve saved the best for last. NY is taking the first steps to create yet another anti-money laundering program. FinCEN – the federal regulator - already requires reporting cash transactions over $10k. Now, NY is requiring reporting to it for any crypto transactions over $10k. BitLicense holders must also file state Suspicious Activity Reports with NY, not just the ones required to file with FinCEN. I wonder how the boys at FinCEN feel about this.
There will be a 45-day comment period beginning on July 23rd. If you disagree with any of these proposals, you should submit comments. If there is anything you agree with, and are happy to see, you should submit comments. If there is anything you don’t understand, and so aren’t sure if you agree or disagree, guess what? You should submit comments. DFS is giving the industry an opportunity to engage in a dialogue that never existed when FinCEN and IRS published their famous virtual currency guidance. We should not ignore that opportunity.
If you’re looking for assistance or just want to talk crypto law, you can reach me at [email protected].
(Back to TBI)
There is much work to be done with this BitLicense proposal. It will be a defining bit of regulation for the industry, which means that the amount of constructive feedback and proactive effort needed from everyone in this industry must be nothing short of herculean if bitcoin is to evolve unencumbered in the US. This proposal simply cannot survive as is. So if you are an entrepreneur, investor or just general enthusiast, you better step up this summer. If we can make our case effectively, we should be able to keep the sane, legitimizing parts and scrap the stifling, unnecessary parts of the proposal.
Many more of my organized thoughts tomorrow…
Cheers, TBI
eepurl.com/JgGy5
submitted by twobitidiot to Bitcoin [link] [comments]

Tragic implications of the BitLicense with respect to Bitcoin 2.0 applications, smart contracts, smart property, Bitcoin law, digital voting and Ethereum?

Now granted, I am not a lawyer. I am a commercial pilot by trade and as such please forgive any misconceptions that I may have picked up as a layman in the Bitcoin universe, for my intellect is small but my aspirations are lofty.
It has occurred to me, however, that this proposed BitLicense represents problems for the Bitcoin ecosystem so far and above what may be evident at the moment. Mostly because regulators are attempting to square a circle and apply existing banking-type regulations to a digital and software controlled payment network/protocol. And not only that, if there is one thing that being in this community has taught me, it is to never underestimate the brilliance of these young new innovators in creating radical new concepts for the future... many of which (to me at least) would seem to be on a direct collision course with these BitLicenses. If I am wrong, please tell me why. Here is what I see so far...
1.) Smart contracts. If I enter into a smart contract facilitated by a lawyer's office and said office (as a part of its legal services) holds said private key/contract for me or transfers it to a third party as part of a multi sig transaction (let's say a will, deed or trust), would this lawyer now be considered a bitcoin business and as such be required to maintain all of the same onerous requirements as large exchanges and so forth? And more troublesome would seem to be the reporting requirements of this transfer. If attorney-client privilege is paramount and necessary, would not digital contract transferrence reporting requirements under the BitLicense now expose lawyers and/or their clients dealings to the public? Indeed, a promising aspect of digital bitcoin contracts/colored coins/etc would undoubtedly be their anonymity. What other businesses would undoubtedly try to harness Bitcoin for their purposes and what other unintended consequences could this regulation bring about?
2.) Ethereum presents us with the possibility to invent an entire universe of new digital financial products and contracts. Would each of these contracts require the transferring parties to be BitLicense holders as well? Would not DAC (digital autonomous corporations) touted by the Ethereum team also be vastly hampered by the reporting and financial requirements of the BitLicense? After all, such corporations would aim to be autonomously handling Bitcoin transactions of a global nature. This would seem to greatly hamper the innovative capacity of Ethereum which aims to allow multitudes of trustless decentralized systems in place of entrenched banking establishments.
3.) Would innovators designing new types of cryptocurrencies on potential sidechains to the Bitcoin network also be required to have BitLicenses? If those cryptocurrencies are actually pegged Bitcoin transactions on a side chain, do they even represent a "new" cryptocurrency at all for the purposes of regulatory oversight? What about test nets? Are these considered true cryptocurrencies at all if they only serve the purpose of being a testbed?
4.) Digital Ecosystem: If a decentralized, autonomous taxi cab service of the future (let's just imagine such a service for a moment, shall we?) employs a wallet service provider such as Blockchain.info, would this not subject each and every rider to the same strict identity requirements as those transacting with Bitcoin exchanges? I realize it depends on how the individual company handles the taxi cab transaction, but I venture to guess that most companies would elect to have a third party do this for them, and as such would not the third party be required, as a licensee, to identify the fares? I use a taxi cab as an example because this would seem to be a use case for forthcoming google cars and what not. I am sure that if you use your imagination you can envision a future where almost all services interact digitally using Bitcoin...
5.) Voting: If a cryptographic election system is put into place, and used in the state of New York, would such a system be subject to the BitLicense requirements? And If I use a satoshi or other discrete transaction to cryptographically verify on the Blockchain that I have cast my vote at the booth, and you process it, are you, as the voting authority not then required to identify me and keep those records on file? I am grasping on this one, but it does not seem out of the realm of possibility.
As a mere layman, I am very troubled by the onerous requirements of the proposal set forth by Ben Lawsky. If even I, with my hamster brain, can envision such a universe of potential problems erupting from these regulations what does that say about the current state of our regulators? Am I wrong on many of my assumptions? Am I misreading the BitLicense? It would seem that perhaps regulators should adopt a wait and see approach before diving into this fray. Even the "experts" themselves do not truly know the implications of many of these evolving technologies. How will they interact? What innovative constructs will they give rise to? If even one of these constructs evolves to be the next "killer app" for Bitcoin what unintended consequences to the state of New York could this bring in hampering a potential supernova of innovative capacity and economic activity?
As a regulator, you need to be asking yourself, "What is the purpose of my regulation, and how best can I adapt it to suit and protect the public which I serve. How can I foster innovation and invention while still creating a legal, stable and sound baseline for infrastructure to grow?" If said regulation hampers and stifles innovation, particularly with a global peer to peer network such as Bitcoin, it would seem to be trivial to push such innovation elsewhere, at the expense of your own tax coffers and revenues. More digital business=more money for you, the regulator. More regulation=less digital business.
But most troublesome of all is the notion that many other states or governments might look on the proposed BitLicense as a template for their own misguided approaches at regulating the nascent and undiscovered land that is digital currency. I personally would be scared to death of approaching this task with haste. You simply DO NOT KNOW what you are doing, because none of us truly know yet. As such, you owe it to the people of the state of New York to start with a bare minimum and ADD TO. We all know that in the government, it is much easier to add to, than take away. On a slightly humorous note, it would seem that you are trying to square a circle, when in fact you should be looking at this is as trying to "infinity an infinity".
Edit: I have contacted the NYDFS directly [email protected] to make an attempt to publicly comment on their proposal but have yet to receive a reply on the proper correspondence address.
submitted by AstarJoe to Bitcoin [link] [comments]

Novauri's comments on the BitLicense

Hello, this is Will from Novauri. You almost certainly haven't heard of our company before. We are not planning on releasing it for use until 2015, and we haven't spent a dime on marketing. Still, our team feels strongly about the emerging BitLicense regulations in New York, and I wanted to share the letter we sent to the DFS with the community today.
We already shared our views within days of the proposal being released here, but we've had much more time to craft a formal response. You'll find an abbreviated version below, and a full copy of our letter on our website here.
I know this is a somewhat 'dry' topic, but it's important to the future of bitcoin in the US. Our thoughts on this topic are below. Thank you.
About Novauri
Novauri is a virtual currency startup based in Denver, Colorado and San Francisco, California. Novauri will allow bitcoin users to purchase and sell bitcoin using ACH debits and credits from their bank accounts. The service will be available initially to US consumers in early 2015.
We are different from our competitors in that Novauri will not control the private keys to our customers’ bitcoin addresses. Not only will Novauri never have access to customers’ private keys, but our systems are designed so we will never see private keys in unencrypted form.
We intentionally built this feature into our service as a risk protection measure for our customers. Novauri cannot suffer from the catastrophic failures and massive internal thefts we’ve witnessed at services that pool customer bitcoin and control their private keys because Novauri never has control of our customers’ funds, bitcoin or US Dollars. We feel strongly that this feature is both safer for our customers and cheaper for us as a service provider. Our design requires no expensive security layers around pooled wallets, no insurance for massive, pooled wallets that are vulnerable to insider theft, or regulatory responsibility as a fiduciary holding retail customer deposits like a bank.
Innovation, bitcoin, and concerns about the proposed rules
We believe bitcoin and its underlying blockchain technology is the most significant invention of the century. Bitcoin allows for unique digital information that can exist safely on the open Internet without the protection of a central authority. Bitcoin’s unique combination of cryptography and “hashcash”-based proof of work consensus with an integrated economic incentive to participate in the consensus that also creates an automated, and fully predictable monetary policy is something we’ve never dreamed of before 2009. The applications for this technology extend far beyond payment systems, and have the capability to uniquely identify anything digitally; a possibility that becomes exponentially more exciting when it intersects with other emerging technologies, such as the Internet of things, drone applications, or holograph-based UI and peer-to-peer communications.
That being said, we believe the proposed BitLicense regulation falls short in three key areas:
1) Redundancy with existing regulation, and creates an unfair playing field
Novauri believes that the BitLicense regulation is written in such a way that it will greatly stunt growth and drive innovation to other States or Countries entirely. The regulation contains provisions that exclude existing banks from the rules entirely.
Novauri recommends removing the provisions that exempt banks entirely, and replacing the redundant and overreaching language in these areas with a simple statement: The rules and regulations applying to bitcoin at a Federal level (especially from FinCEN) shall apply to all applicable virtual currency businesses with activities in New York State.
2) KYC provisions and ineffective cyber security provisions are dangerous for consumers
Perhaps the most dangerous aspects of the proposed regulations are the identity verification processes. We’ve already seen the disasters that the data retention provisions in the Bank Secrecy Act have caused in terms of the ongoing identity theft epidemic. Every week another bank is hacked, and more and more personal information goes up for sale on the darknet. We feel that these issues are an unintended consequence of the data retention requirements in the BSA, as well as the decision by certain companies to monetize “big data”. Novauri feels that these are misguided regulations and business decisions, and is vehemently opposed to corporations storing and selling personal information. The economic costs of identity theft greatly outweigh any advertising revenue made by these companies, and the cost to taxpayers in reimbursing billions and billions of dollars in stolen tax refunds each year, to say nothing of the stress these unintended consequences cause normal people when they discover their identities have been stolen.
This issue will be far worse with bitcoin, which features a public ledger. As soon as personal information is leaked, it can be associated with the blockchain and the entire financial history of individuals will be viewable by anyone. As written, Novauri feels the proposed KYC provisions in the BitLicense proposal constitute a potential threat to our National security.
Novauri recommends that the NYDFS delay the requirements around KYC until a more elegant solution evolves that doesn’t risk massive identity theft incidents or violations of personal privacy. We recommend full synchronization with existing regulation, and revision such that an individual’s right to privacy is balanced against the needs of law enforcement. This synchronization should also include checks and balances that are non-existent today.
Regarding “cyber security”, Novauri believes that the regulations are ineffective, as technologies are continuously evolving. Novauri recommends that the NYDFS require businesses that act as fiduciaries for customer deposits and maintain control of private keys to hold deposit insurance for 100% of the value of all fiat and virtual currency deposits. If the business has faulty security, the insurance company can make that determination and increase their premiums. In the event that the business’s security is unsafe, the insurance companies will not issue insurance at all. This is a “future proof” way to ensure cyber security without politicizing the topic or risking that rules and regulations become ineffective and anachronistic with time, as they almost certainly will as written.
3) Failure to create a risk-based system that scales with the risk of the service
The proposed regulation doesn’t differentiate between businesses that exchange fiat for bitcoin while taking control of deposits, those that exchange fiat for bitcoin and do not take control of deposits, or even businesses that exchange no currency at all and have no responsibility as a fiduciary. This will effectively kill all small businesses and startups in the State of New York, and if these rules are used as a model in other States, will drive the industry offshore entirely.
Novauri recommends creating at least two types of businesses under the proposed BitLicense regulation:
Virtual Currency Retail or Investment Banking Providers would be regulated in a manner similar to banks, but Virtual Currency Retail or Exchange Service Providers would be subject to minimal regulation. Again, Novauri highly recommends using insurance as a way to “future proof” the areas of cyber security and KYC provisions.
In closing, given the possibilities presented by this emerging technology, Novauri requests that the NYDFS consider revising the rules heavily, adopting a progressive and risk-based approach that uses insurance in lieu of prescriptive measures, removes duplicative rules and regulations, and gives the technology the room it needs to grow and evolve.
Sincerely,
Will Madden Founder & CEO Novauri, LLC
For a full version of our comments on the BitLicense proposal, please visit our website here.
submitted by MrMadden to Bitcoin [link] [comments]

Building a United Platform

No matter which coin you're backing (or how many), the regulations coming out of New York State have large, overreaching and severe consequences for all cryptocurrencies.
You can read the proposed BitLicense Regulations here.
AmericanBitcoin has put together a TL;DR of the proposed reglations
In response, you can read the in-progress GitHub Fork of those same regulations here.
If you'd like to see a quick breakdown of examples of what's wrong with the proposed regulations, I highly recommend you read this comment by MrMadden over in /Bitcoin, which is utterly fantastic.
Instead of standing 'against' these regulations, let's stand for:
The problems, right now:
These regulations are vague in some important areas and could have unintended consequences.
For example, here's a great breakdown from goldcakes (originally made here)
Entities are considered dealing in virtual currencies if:
.. to any resident in New York. Web services, even those incorporated overseas, must either comply or block access for NY users. (200.2n)
Entities 'dealing in virtual currency' must:
The (only?) good news: Merchants do not need a BitLicense to accept Bitcoin for a good or service. (200.3c2).
This post was created for general guidance, and does not constitute legal advice. You should not act upon the information contained in this publication without obtaining specific advice from a professional. No representation or warranty (expressed or implied) is given as to the accuracy or completeness of the information contained in this post.
submitted by GoodShibe to CryptosUnited [link] [comments]

The Future of Bitcoin

http://bitcoinpricelive.com/future-of-bitcoin/
Future of Bitcoin By: Jackson Mackeral
As I see it, the future price of Bitcoin has two possible futures. Pennies, or a stable, high price. Many factors play into which distinct future will take precedence in reality. I will discuss what I believe to be the key components in deciding this.
First, I must clarify something. The Bitcoin community is overreactive to relatively small changes in price. These kinds of changes are not the kinds I am speaking of; those are near impossible to predict. I’m talking about big changes, over the course of a longer period of time.
Consideration #1: Acceptance by media. Bitcoin has been in the news a fair amount recently. Often it is portrayed in a skewed, negative light. Just this month, the Consumer Financial Protection Bureau released a six page walkthrough warning against the inherent risks of virtual currencies. Much of what they said was technically right, but they still told a very one-sided story. There are exceptions, of course, but in general, Bitcoin is shown as a scary, insecure, sketchy, online currency often used to buy illicit drugs. The media has a large influence on the public opinion. Which leads me to my next point.
Consideration #2: Acceptance by the public. Bitcoin isn’t used for as much as it could. For example, Bitcoin has a daily transaction volume hovering around the $40 million range. For comparison, Visa’s estimated daily transaction volume hovers around $16 billion. Many who have heard of Bitcoin have shed away from it simply because of misunderstandings. These misunderstandings come in all shapes and sizes. If the public begins to accept Bitcoin, interest will grow rapidly, as well as willingness of businesses to use and accept Bitcoin. Which, again, leads me to my next point.
Consideration #3: Acceptance by Businesses. A quick look around SpendBitcoins.com (A website to help Bitcoiners find businesses that accept Bitcoin) reveals a painful truth for the Bitcoin economy. Businesses often dismiss Bitcoin as internet funny money. Although there is little reason in the terms of convenience and fees for them to deny Bitcoin as a form of payment, few businesses accept Bitcoin. This lack of acceptance by businesses could be a severe downfall of Bitcoin. After all, why use Bitcoin if you can’t spend it?
Consideration #4: Acceptance by Law. This consideration has often been ignored. But recently Bitcoiners have been forced to think about it with the proposed BitLicense in New York. A system like BitLicense has the very real potential to cripple the Bitcoin economy, perhaps irrevocably.
Consideration #5: Quantum computers. Quantum computers are a theoretical type of device that calculates a fundamentally different way than traditional computers, using states of sub-atomic particles. What does this entail for Bitcoin, you might ask? A private key linked to an address which has been spent from can be recovered by a quantum computer. This means that funds will be stolen left and right, if a quantum computer is ever developed.
Consideration #6: Security and ease of use. Currently any solution to storing and spending Bitcoin will either sacrifice security for ease of use, or vise versa.
Consideration #7: Obtaining Bitcoin. Currently, obtaining Bitcoin can be difficult, confusing, and sometimes insecure. Primarily, this is because the most common forms of payment (PayPal, credit card, etc) that would be used to pay for Bitcoin, are reversible by scammers. Scammers could send money, get Bitcoin, then reverse their payment. Since Bitcoin transactions are fundamentally irreversible, the original vendor ends up scammed.
Consideration #8: Understanding Bitcoin. There are many resources available for those who want a better understanding of how Bitcoin works. But they are scattered, and become needlessly confusing at some points. This has the possibility to keep many from using Bitcoin.
Consideration #9: The final block reward. Every block mined currently awards who mined it with 25 Bitcoin. This is called a block reward. A block is mined about every 10 minutes, regardless of the combined processing power of all the miners. Because of this, the difficulty in mining a block is variable, and re-targets to make sure each block mined takes about 10 minutes. The reward will eventually be halved, then later halved, so on and so forth. Eventually, when 21 million Bitcoin have been mined, there will be no more block rewards. That means there will never be more than 21 million Bitcoin. Some argue that this is far too few. But the bigger concern lies in the fact that miners will no longer have any motivation to confirm transactions, besides miner’s fees.
Consideration #10: Scalability. Bitcoin uses an ever growing “blockchain”, which contains every transaction that has ever taken place, to confirm transactions. This blockchain is already large, and has to potential to become a nightmare in memory. There is also the elephant in the room of the tps (transactions per second) limit. Currently, Bitcoin is limited to 7 tps. This is thousands of times less than Visa, for perspective. There are a few other scalability concerns, but these are the most prevalent, and realistic. “This lack of acceptance by businesses could be a severe downfall of Bitcoin. After all, why use Bitcoin if you can’t spend it?”
Addressing consideration #1: Acceptance by media. I believe this issue will be self-solving. Allow me to explain. There is a phrase that states “There is no such thing as bad publicity.” I believe that this holds a fair amount of truth when discussing Bitcoin. I believe that since Bitcoin has had increased publicity recently, more interest has been generated. As more and more people become educated and interested, media will begin to tell a more precise story about Bitcoin.
Addressing consideration #2: Acceptance by the public. A part of the solution to this consideration will happen through the solving of the first consideration. The media has a great influence on public opinion. Another solution to flawed public opinions on Bitcoin is to make Bitcoin easier to understand. This is elaborated upon in #8. The solving of the problem of public opinion is one that results in a positive feedback system. To explain this, a positive feedback system must be explained. A causes B, which in turn causes B. In this case, more people using Bitcoin cause more people to become intrigued and research Bitcoin, which in turn causes more people to use Bitcoin.
Addressing consideration #3: Acceptance by businesses. A part of the solution to consideration #3 is similar to that of consideration #2 in that it entails a positive feedback system. This one, however, deals with businesses. As more businesses begin to accept Bitcoin as a viable means of payment, more businesses will be prompted to do the same. Currently it is unrealistic to expect some businesses to use Bitcoin, as they would only convert it to their local fiat currency. But this will change as more and more businesses, from large corporations, to minuscule vendors, begin to accept Bitcoin.
Addressing consideration #4: Acceptance by Law. This consideration had the very real ability to irrevocably cripple the Bitcoin economy. Some would argue that the difficulty in regulating Bitcoin renders the BitLicense useless, even harmless. But that is not the point. Bitcoin is used by many law abiding citizens, who wouldn’t think getting a license would be worth it to continue in Bitcoin. Bitcoin is also used by many organizations who wouldn’t be able to continue in Bitcoin, legally, or illegally. This consideration has no simple answer, no snap solution. I’ve read the majority of the BitLicense, and skimmed the rest (I recommend you do the same, you can read the full proposed regulation here. The email to send comments regarding the regulation is [email protected] . I personally challenge all of you to email your concerns of the regulation. That’s what this comment period is for. The deadline for comments is October 11th, 2014. I’ve sent my concerns. It doesn’t have to be anything fancy. If you prefer hand written, the address is: DFS Office of General Counsel – Dana V. Syracuse, New York State Department of Financial Services, One State Street, New York, NY 10004. “As more and more people become educated and interested, media will begin to tell a more precise story about Bitcoin”
Addressing consideration #5: Quantum computers. The reality is that quantum computers will not likely be created for some time. Nonetheless, there is a simple solution. Quantum computers are only able to steal private keys from public keys. Public keys are only revealed when an address is spent from. Therefore, if quantum hacking unsettles you, only spend from addresses once. For example, you should pay from an address that you have slowly accumulated funds into, and send the rest into a fresh change address.
Addressing consideration #6: Security and ease of use. There is not yet a perfectly secure and simple solution to spending Bitcoin. Using Bitcoin more helps with both of these concerns, but currently there is no beginner’s solution to this trade off dilemma. But things have began to move in the right direction. For example TREZOR , is fairly simple and very secure for creating, and storing private keys, addresses, and signing transactions. The Piper Wallet, is a great way to create secure private key and address pairs offline. Still, these solutions are far from perfect. As more interest is cultivated in Bitcoin, more innovations such as these will arise from the masses.
Addressing consideration #7: Obtaining Bitcoin. Currently, obtaining Bitcoin can be a bit of a…tedious process. I would argue that the best way to buy Bitcoin is through Local Bitcoins cash deposit system. Using this system entails that a Buyer would schedule a deposit, and the Seller’s Bitcoin would be locked in Local Bitcoins’ escrow system. Next, the Buyer would deposit cash into the Seller’s bank account at a local branch. Later, the Bitcoin are released from escrow to the Buyer’s address. As you may see, this is still a fairly convoluted process. But at this moment, it’s the best we have. There is a strong possibility that any way of buy Bitcoin developed will resemble this due to the often reversible nature of fiat currency transactions. But perhaps as the uses for Bitcoin grow, buying Bitcoin with fiat will no longer be a significant need; perhaps one could be paid in Bitcoin.
Addressing consideration #8: Understanding Bitcoin. There are a number of great resources for learning about Bitcoin. But there aren’t many resources to facilitate learning for every point between complete beginner and expert, in my opinion. I’ve found many times when I’ve wanted to learn more that all I could find were over simplified explanations, and explanations over my head. But I have also found that the Bitcoin community is very willing to help others understand whatever may confuse them. At the moment, I would argue that asking this community specific questions is the best way to advance one’s knowledge of Bitcoin. Reddit.com/bitcoinbeginners is a great place to start.
Addressing consideration #9: The final block reward. The first part of this concern, that 21 million is far too few “parts” of a currency, can be easily resolved by realizing one Bitcoin can be divided to 8 decimal places. The second part of this concern is a bit more complicated. If the combined transaction fees are substantial enough to sustain the network, things will continue without conflict. Otherwise, the system will no longer function. Bitcoin will fail. But this is not likely, as everyone’s transaction fees are fairly substantial when combined.
Addressing consideration #10: Scalability. There are many ways of reducing the unwieldiness of the blockchain. Many theories of have been proposed. One of which is “compressing” the blockchain at certain points in history. Another theory involves having another “mini” blockchain, which only holds transactions for unspent Bitcoin. Satoshi Nakamoto, the author of the original proposal of Bitcoin, addressed this problem in the original white paper, and proposed possible solutions. The problem of tps is also an important one to think about. The first thing to realize is that it is not a concern at the moment. Bitcoin’s average transaction rate hovers around the 0.8 tps range. This is about a tenth of the imposed limit. The limit is artificially imposed, and can be removed. It was placed there to keep the blockchain from becoming too large before all were ready to handle it. Although lifting this limit has been compared to changing the engine of a plane while in the air, it is quite possible, even with some hiccups. Thanks for reading! I hope you have a better understanding of the factors I believe to be integral to Bitcoin’s future.”
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The 3-Minute Rule for Bitcoin wallet - How to set up and create a BTC account - BTC 24H À NEW YORK QU'AVEC DES BITCOINS Bitcoin Beginners Fair: Bitcoin Wallets & Getting Started with Dan Held My trip to a Bitcoin ATM New York Buying Bitcoin First BitCoin ATM in New York

With pride and excitement, Sheffield Clark (CEO of Coinsource) commented on the achievement saying that their customers can now buy and sell Bitcoin with confidence that the firm meets (and even exceed) the high standards of the New York DFS. He went further to thank the New York DFS for their display of trust in the future and sustainability New York-based Blockstack, a public benefit corporation has partnered with Lambda School to help students explore cutting-edge technologies as they lay the foundation for their ca This was made public on Wednesday, 24 June, when New York's Department of Financial Services announced that it would be implementing a new ‘three-strike' policy for each application. Implementing such a policy would allow the agency to respond more effectively to applications that do not adhere to requested feedback. The June 14, 2018 press release from DFS touts the advancement of responsible growth in New York’s fintech industry with new virtual currency approvals. Department of Financial Services Superintendent Maria T. Vullo said that the actions “represent New York’s continued commitment to creating a thriving, global fintech marketplace. The New York Department of Financial Services (NYDFS) has suggested modifications to Bitlicense's issuance to make the state more crypto-friendly. This license – introduced in 2015 – is now five years old, and has dramatically impacted crypto operations in New York since its introduction.

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The 3-Minute Rule for Bitcoin wallet - How to set up and create a BTC account - BTC

Here are 3 actions to assist you begin utilizing Bitcoin Cash right now: A Bitcoin wallet is an app or program that allows you send out and receive BCH. Wallets also keep an eye on your BTC ... BITCOIN ETHEREUM PIVX LITECOIN DASH Hempstead Long Island Bitcoin ATM 4/6/2017. Overall, the procedure for sending bitcoin is in fact quite simple: Copy the receiver's public Bitcoin address (or scan QR code) Open your wallet and navigate to its "Send out" function, paste the ... A Brooklyn native has taken the preliminary steps towards getting New York City its first Bitcoin ATM. The New York Post reported over the weekend that 30-year-old William Ling of Brooklyn has ... Watch Dan Held, Director of Product at Blockchain, talk to the attendees of our recent Bitcoin Beginners Fair on Tuesday July 8th about the different types of Bitcoin wallets, what differentiates ...

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