#debit linkable

[lendoco]

TPAY Coin sets new ICO record with Over 1500+ Bitcoins Invested, World's First Crypto Bank --- Funding Still Open

See this picture first!

What is TokenPay? They are creating an anonymous cryptocurrency based bank. The new bank will allow users to easily make anonymous payments to retailers and for online transactions. They hope to combine the benefits of traditional banks with the benefits of the new blockchain revolution. The new card will allow users to spend Bitcoin and a variety of cryptocurrencies including their own TPAY token.

How Does it work? The new cryptocurrency will use a Dual-Key stealth address.These addresses allow the user to share their address publicly but any transaction that is sent to the address cannot be linked back to it. This means that the payment will be completely anonymous

The current crypto market Cryptocurrency has seen huge growth during 2017, Bitcoin is still the biggest cryptocurrency by far with a huge coin price of over $17,000. Many new users have been introduced to the world of crypto this year and want to use it to make payments.

However Bitcoin is facing some major issues, transactions have become slow and expensive, nearly all transactions are costing $10 in fees, making it impossible to make any sort of small purchase with it. Ethereum has also faced issues, the recent crypto kitties game showed that its blockchain still isnt able to successfully handle many transactions.

Why does TokenPay use the blockchain? The new blockchain that the project will be running on is from Bitcoin, this allows them to use all of the benefits that the blockchain has brought such as being safe and secure whilst adding their own beneficial features:

Extra security: The new blockchain will have additional security and anonymity features, many people believe Bitcoin to be anonymous, however this is far from the case. Tokenpay will be truly anonymous. Proof of stake: Many people now view proof of stake to be far superior to the proof of work that Bitcoin uses. Proof of work needs miners who use computing power to solve problems, however this system has shown to use huge amounts of electric and is quickly being shown to not be scalable. The proof of stake system that the platform uses means that users who hold the token will receive interest for holding on to them. This creates a more economical system which also provides benefits for holding the tokens which should then see the price increase.

Coin supply and Proof of Stake rewards The new project will only ever have a small coin supply which is limited to 25 million coins, this is different to fiat currencies that people have become used to where governments can just decide to print more money. Miners (those holding coins) will be rewarded with 5% yearly interest.

Use of the Tor network for maximum security The project will make use of the tor network which has become famous for anonymity, this combined with their multi signature addresses will ensure privacy for users.

Advantages Fast speed of transactions, making it much more practical to use. The only coin to be completely private and have an encrypted chat. Monero is currently the most private cryptocurrency, however Tpay also has the advantages of running on the tor network aswell and having a secure chat. Many other currencies are supposedly anonymous but they still have faults making them linkable. 5% staking interest per year giving token holders an incentive to hold their tokens. Becoming a licensed bank Ofcourse TokenPay already has many benefits simply as a cryptocurrency for P2P transactions. However theyre also aiming to become an international bank. They plan to either set up a bank or purchase a bank based in Vanuatu. Theyre already in talks with this bank which already has an agreement with Mastercard, this will allow them to offer many banking services from the start. They plan to offer traditional banking services with the bank based around the Hong Kong $ that is pegged to USD.

Multi Currency debit card The new card will be linked to the Tpay digital wallets, meaning that its easy to load and then make purchases without the need for retailers to sign up to anything new, as far as retailers are concerned youll be paying in fiat with your crypto based card. A users tokens such as TokenPay, Bitcoin or other popular cryptocurrencies will be available to spend at any store that accepts debit cards. The cards will also be able to use ATM machines for customers to withdraw cash. The card will cost users just $15 with no fees if its being used in the users home country.

Payment processing The project also aims to offer payment processing for merchants. Fees for merchants will be as low as 0.25% which is far lower than most payment processing providers. This will allow retailers to receive payments in either fiat or cryptocurrency.

History and Roadmap Q2 2016:Got a partnership with UKSTOCKTRADE. Did a presentation at MIT fintech conference. Q4 2016: Due to the rise in demand for blockchain based projects the founders began to focus on cryptocurrency. They then established their headquarters in the British Virgin Islands. Q1 2017: Recruited a development team to build a more secure, private and faster type of cryptocurrency. Proprietary integration of the tor network. Created the stealth messaging system. Q2 2017: Launched the multi sig transaction system. Released the new paper wallets. Q3 2017: Set up a deal to acquire an established bank. Added a new ring signature feature to the blockchain. Q4 2017: Released the whitepaper and began the Tpay token sale. Q1 2018: Completing the ICO. Adding Tpay to popular exchanges. New Apply iOS wallet released. Due diligence of the bank integration. Q2 2018: Tpay website launched for commercial customers. Acquisition or partnership of the new bank. Merchant services application. Q3 2018: The new debit card is sent out to customers.

Tokenpay ICO Details The token sale is set to run until the 17th of January with 14,250,000 tokens available and is split up into 4 different sections with bonuses available:

Until the 13th December: 100% bonus on purchases. December 14th- January 3rd: 50% bonus available. January 410: 25% bonus available. January 1117: 10% bonus available. Price: 1 Bitcoin=3000 Tpay + 50% Hardcap: 5000 Bitcoin. Tokens will be sent to investors within 30 days of the sale ending.

Conclusion Cryptocurrency has grown massively during 2017, however its still not being used for many real world transactions with the fees of most coins currently being too high. This new currency offers many benefits such as low fees and being anonymus. If it was to launch as just a currency then I think it would do very well. However its also launching as a bank which offers additional benefits. The team behind the project looks solid with some of them having a long history in the finance and banking world. If the project can stick to its road-map then Im sure the token price will rise very quickly.

www.tokenpay.com

UPDATE

Due to SEC regulations within USA, Americans are no longer allowed to participate in any ICO offerings. This is good and bad news. Bad news for Americans that they can't profit the price of the coin (token) during the ICO sale. But it's good news for the rest of investors because once this coin ends up on exchanges, Americans who got a refund or couldn't buy the tokens, they will buy the coin in its early release. This will pump the price quite fast, and we can hope on a nice booming wave early on

Anyway..even if you are an ambitious American... with a windows VPS based in EU or anywhere but US.. you can still get what you want :)

submitted by /u/PIQAS [link] [comments] TPAY Coin sets new ICO record with Over 1500+ Bitcoins Invested, World's First Crypto Bank --- Funding Still Open published first on http://ift.tt/2lZ6zaq

[psycho-cybernaut-blog]

New Media, New Liberty

The internet allows people to come together and manifest a common goal. It also allows for individuals to express whatever they want, wherever they want. Compared to old media, we have transgressed geographical boundaries and through hyper speed connection, we can share them easily. The old media didn’t do that; newspapers and TV’s were controlled by an organization, filtered through groups of people. As of right now, we possess the ability to express any of our ideas while being able to access an endless sea of knowledge. However, with this freedom comes a responsibility so high that the government doesn’t fully trust the public with. With the altruistic, free sharing of data to the people using new media, there comes an unjust, overseeing power that forbids the freedom of many.

What differentiates new media from old media is the logic. According to Lev Manovich in “The Language of New Media”, Manovich defines new media as “post-industrial”, with logic of “individual customization, rather than mass standardization” (Manovich, 30). With the mass integration of diverse ideas in a space so localized that’s it fits into your pocket-sized phone, our ability to translate and transform our own opinions onto something internationally accessible becomes much more possible. For example, it’s a lot more difficult to personally customize a channel on TV, but it’s a lot easier to create your own YouTube channel. Before new media, people got their outside, current information was from reading the news and watching TV. Both broadcast information to a wide audience, but now the tide has turned where the public are the owners of the information they themselves want to broadcast.

In new media, programming has become a popular tool for inventors alike. Programming gives the people the tools to recreate ideas and inspirations and express them online, similar to how Aaron Schwartz used Rich Site Summary (RSS) as a tool to enable online publishers to syndicate their data automatically, and led to the invention of the popular social media network Reddit. By tinkering with new technology, especially the internet, people can take a bigger part in building the world. This is how cyberspace came to be what it is today – full of individual ideas synthesized with others to invent new ones. The internet can work as a creative outlet; everybody has a channel – like a blog or a Facebook page – whereas old media has only TV channels. In this sense, everyone is allowed to speak, it just becomes a question of who gets heard, and who becomes silenced.

The internet is a humongous library condensed online. It allows us to get public access to public domains. But in the beginning, “confidential” information that was in court trials were so hard-to-access and expensive. For example, Pacer.gov was an open-access website that had interesting information, but entering was pretty pricey. At the time, there was debate whether information like that should be given freely to the people or “owned” by those in power. Controversy over what information should be public or private is still an ongoing dispute between public domains like social media and private ones such as the National Security Agency, NSA for short.

The NSA got a foothold on the people privacy’s after the 9/11 attacks. Although the NSA claims they are doing it for the safety of the American people, there are some boundaries they cross that are not constitutionally acceptable. A recent, major story was broadcasted where information that the NSA was spying on millions in the U.S was leaked out by Edward Snowden, former NSA agent. This is done through linkability – the ability for the government to link up people’s data in their daily lives. For example, if someone swipes their debit card at the train, the government can link up all of the data that the debit card has been through. Essentially, the government can track where they go, what they buy, even who they hang out with by comparing it to other people with similar travel patterns. By linking up multiple sources of data, the government can condense it into “metadata” which are a list of facts that may not necessarily be true but can still be used evidence in a trial one is convicted in. This gives the NSA an incentive to investigate almost anyone, no matter how minuscule the relation is. Snowden explains that before the internet was inspected by the NSA, people would freely express themselves. Afterwards, growing terror of being surveilled caused the imprisonment of many people’s curiosity. Now, it can be the imprisonment of people with the justification of them being a possible terrorist. Once Snowden exposed the injustice, people became more mindful of the privacy way they were battling in. People began to realize that what people used to call liberty and freedom is what people now call privacy. So, if the people’s privacy is endangered, then the people’s liberty are also at stake.

In another case, the FBI targeted young Aaron Schwartz when he was found tinkering with MIT’s data to access Jstor.com’s information network, which was described as unnecessarily expensive at the time. Aaron saw this as injustice: sharing knowledge was a moral imperative. Those who have access to exclusive information, like a college student’s paid database, are privileged and should share it to those who are in need of knowledge such as people in Third World countries. Yet, Aaron was still indicted with multiple charges even though he did not do anything with the data he discovered. It was the government’s need to make an example out of Aaron – to show to all the other hackers. That was the real incentive, not breaking the law.

However, with the power of the internet, people can create changes to this unjust system.  Stop Online Piracy Act (SOPA), an act proposed to attack copyright infringement by enforcing censorship, was at war with the American people. Demand Progress, an anti-SOPA campaign led by Aaron, unexpectedly overrode the SOPA act. At first, many of the supporters did not actually believe it would work, but once it started getting momentum, the possibility was greater. In just a few days, congressmen and senators switched to be anti-SOPA as many major websites blacked out to prove that SOPA was unnecessary censorship. As a result, freedom of speech for the people won over the government’s radical proposal for censorship. This is a prime example of how powerful the internet really is in demanding and inspiring change, and that the internet is not a force to be underestimated with.

Although Aaron and Snowden may seem like the 1%, the war between privacy of the individual and the “protection” is driven especially by the average internet user. For instance, the large hacktivist group Anonymous, originated on the image board 4chan, helped support Tunisia citizens fight during the riots by providing them dial-up internet when there was a total wipe out of their country’s internet. Yet, people in Anonymous were still targeted by the FBI for protesting in trivial matters such as the possibly cult teachings of the Church of Scientology.

As Aaron said in Guerilla Open Access Manifesto, “Information is power, but just like power, people want to keep it to themselves.”. The war continues for the fight for the people right to privacy, information, and ultimately for democracy. Living in the U.S. many citizens fear what will happen to their data, metadata, and essentially their pursuit of happiness if censorship stands in the way. Although widely spread apart, U.S. citizens stand together on the same ground for individual expression using new media as their creative outlet and tool for moral innovations.

[lendoco]

TokenPay Reaches now ICO Record 1500+ Bitcoins Raised! 1st Crypto Bank - Review

See this picture first!

What is TokenPay? They are creating an anonymous cryptocurrency based bank. The new bank will allow users to easily make anonymous payments to retailers and for online transactions. They hope to combine the benefits of traditional banks with the benefits of the new blockchain revolution. The new card will allow users to spend Bitcoin and a variety of cryptocurrencies including their own TPAY token.

How Does it work? The new cryptocurrency will use a Dual-Key stealth address.These addresses allow the user to share their address publicly but any transaction that is sent to the address cannot be linked back to it. This means that the payment will be completely anonymous

The current crypto market Cryptocurrency has seen huge growth during 2017, Bitcoin is still the biggest cryptocurrency by far with a huge coin price of over $17,000. Many new users have been introduced to the world of crypto this year and want to use it to make payments.

However Bitcoin is facing some major issues, transactions have become slow and expensive, nearly all transactions are costing $10 in fees, making it impossible to make any sort of small purchase with it. Ethereum has also faced issues, the recent crypto kitties game showed that its blockchain still isnt able to successfully handle many transactions.

Why does TokenPay use the blockchain? The new blockchain that the project will be running on is from Bitcoin, this allows them to use all of the benefits that the blockchain has brought such as being safe and secure whilst adding their own beneficial features:

Extra security: The new blockchain will have additional security and anonymity features, many people believe Bitcoin to be anonymous, however this is far from the case. Tokenpay will be truly anonymous. Proof of stake: Many people now view proof of stake to be far superior to the proof of work that Bitcoin uses. Proof of work needs miners who use computing power to solve problems, however this system has shown to use huge amounts of electric and is quickly being shown to not be scalable. The proof of stake system that the platform uses means that users who hold the token will receive interest for holding on to them. This creates a more economical system which also provides benefits for holding the tokens which should then see the price increase.

Coin supply and Proof of Stake rewards The new project will only ever have a small coin supply which is limited to 25 million coins, this is different to fiat currencies that people have become used to where governments can just decide to print more money. Miners (those holding coins) will be rewarded with 5% yearly interest.

Use of the Tor network for maximum security The project will make use of the tor network which has become famous for anonymity, this combined with their multi signature addresses will ensure privacy for users.

Advantages Fast speed of transactions, making it much more practical to use. The only coin to be completely private and have an encrypted chat. Monero is currently the most private cryptocurrency, however Tpay also has the advantages of running on the tor network aswell and having a secure chat. Many other currencies are supposedly anonymous but they still have faults making them linkable. 5% staking interest per year giving token holders an incentive to hold their tokens. Becoming a licensed bank Ofcourse TokenPay already has many benefits simply as a cryptocurrency for P2P transactions. However theyre also aiming to become an international bank. They plan to either set up a bank or purchase a bank based in Vanuatu. Theyre already in talks with this bank which already has an agreement with Mastercard, this will allow them to offer many banking services from the start. They plan to offer traditional banking services with the bank based around the Hong Kong $ that is pegged to USD.

Multi Currency debit card The new card will be linked to the Tpay digital wallets, meaning that its easy to load and then make purchases without the need for retailers to sign up to anything new, as far as retailers are concerned youll be paying in fiat with your crypto based card. A users tokens such as TokenPay, Bitcoin or other popular cryptocurrencies will be available to spend at any store that accepts debit cards. The cards will also be able to use ATM machines for customers to withdraw cash. The card will cost users just $15 with no fees if its being used in the users home country.

Payment processing The project also aims to offer payment processing for merchants. Fees for merchants will be as low as 0.25% which is far lower than most payment processing providers. This will allow retailers to receive payments in either fiat or cryptocurrency.

History and Roadmap Q2 2016:Got a partnership with UKSTOCKTRADE. Did a presentation at MIT fintech conference. Q4 2016: Due to the rise in demand for blockchain based projects the founders began to focus on cryptocurrency. They then established their headquarters in the British Virgin Islands. Q1 2017: Recruited a development team to build a more secure, private and faster type of cryptocurrency. Proprietary integration of the tor network. Created the stealth messaging system. Q2 2017: Launched the multi sig transaction system. Released the new paper wallets. Q3 2017: Set up a deal to acquire an established bank. Added a new ring signature feature to the blockchain. Q4 2017: Released the whitepaper and began the Tpay token sale. Q1 2018: Completing the ICO. Adding Tpay to popular exchanges. New Apply iOS wallet released. Due diligence of the bank integration. Q2 2018: Tpay website launched for commercial customers. Acquisition or partnership of the new bank. Merchant services application. Q3 2018: The new debit card is sent out to customers.

Tokenpay ICO Details The token sale is set to run until the 17th of January with 14,250,000 tokens available and is split up into 4 different sections with bonuses available:

Until the 13th December: 100% bonus on purchases. December 14th- January 3rd: 50% bonus available. January 410: 25% bonus available. January 1117: 10% bonus available. Price: 1 Bitcoin=3000 Tpay + 50% Hardcap: 5000 Bitcoin. Tokens will be sent to investors within 30 days of the sale ending.

Conclusion Cryptocurrency has grown massively during 2017, however its still not being used for many real world transactions with the fees of most coins currently being too high. This new currency offers many benefits such as low fees and being anonymus. If it was to launch as just a currency then I think it would do very well. However its also launching as a bank which offers additional benefits. The team behind the project looks solid with some of them having a long history in the finance and banking world. If the project can stick to its road-map then Im sure the token price will rise very quickly.

www.tokenpay.com

UPDATE UPDATE

Due to SEC regulations withing USA, Americans are no longer allowed to participate in any ICO offerings. This is good and bad news. Bad news for Americans that they can't profit the price of the coin (token) during the ICO sale. But it's good news for the rest of investors because once this coin ends up on exchanges, Americans will who got a refund or couldn't buy the tokens, they will buy the coin in its early release. This will pump the price quite fast, and we can hope on a nice booming wave early on.

submitted by /u/PinkGodfather [link] [comments] TokenPay Reaches now ICO Record 1500+ Bitcoins Raised! 1st Crypto Bank - Review published first on http://ift.tt/2lZ6zaq

[lendoco]

Review/Summary on TokenPay ICO ($TPAY Coin)

What is TokenPay? They're creating an anonymous cryptocurrency based bank. The new bank will allow users to easily make anonymous payments to retailers and for online transactions. They hope to combine the benefits of traditional banks with the benefits of the new blockchain revolution. The new card will allow users to spend Bitcoin and a variety of cryptocurrencies including their own TPAY token.

How Does it work? The new cryptocurrency will use a Dual-Key stealth address.These addresses allow the user to share their address publicly but any transaction that is sent to the address cannot be linked back to it. This means that the payment will be completely anonymous

The current crypto market Cryptocurrency has seen huge growth during 2017, Bitcoin is still the biggest cryptocurrency by far with a huge coin price of over $17,000. Many new users have been introduced to the world of crypto this year and want to use it to make payments.

However Bitcoin is facing some major issues, transactions have become slow and expensive, nearly all transactions are costing $10 in fees, making it impossible to make any sort of small purchase with it.

Ethereum has also faced issues, the recent crypto kitties game showed that its blockchain still isnt able to successfully handle many transactions.

Why does TokenPay use the blockchain? The new blockchain that the project will be running on is from Bitcoin, this allows them to use all of the benefits that the blockchain has brought such as being safe and secure whilst adding their own beneficial features:

Extra security: The new blockchain will have additional security and anonymity features, many people believe Bitcoin to be anonymous, however this is far from the case. Tokenpay will be truly anonymous.

Proof of stake: Many people now view proof of stake to be far superior to the proof of work that Bitcoin uses. Proof of work needs miners who use computing power to solve problems, however this system has shown to use huge amounts of electric and is quickly being shown to not be scalable. The proof of stake system that the platform uses means that users who hold the token will receive interest for holding on to them. This creates a more economical system which also provides benefits for holding the tokens which should then see the price increase.

Coin supply and Proof of Stake rewards The new project will only ever have a small coin supply which is limited to 25 million coins, this is different to fiat currencies that people have become used to where governments can just decide to print more money. Miners (those holding coins) will be rewarded with 5% yearly interest.

Use of the Tor network for maximum security The project will make use of the tor network which has become famous for anonymity, this combined with their multi signature addresses will ensure privacy for users.

Advantages Fast speed of transactions, making it much more practical to use. The only coin to be completely private and have an encrypted chat. Monero is currently the most private cryptocurrency, however Tpay also has the advantages of running on the tor network aswell and having a secure chat. Many other currencies are supposedly anonymous but they still have faults making them linkable. 5% staking interest per year giving token holders an incentive to hold their tokens. Becoming a licensed bank Ofcourse TokenPay already has many benefits simply as a cryptocurrency for P2P transactions. However theyre also aiming to become an international bank. They plan to either set up a bank or purchase a bank based in Vanuatu. Theyre already in talks with this bank which already has an agreement with Mastercard, this will allow them to offer many banking services from the start. They plan to offer traditional banking services with the bank based around the Hong Kong $ that is pegged to USD.

Multi Currency debit card The new card will be linked to the Tpay digital wallets, meaning that its easy to load and then make purchases without the need for retailers to sign up to anything new, as far as retailers are concerned youll be paying in fiat with your crypto based card. A users tokens such as TokenPay, Bitcoin or other popular cryptocurrencies will be available to spend at any store that accepts debit cards. The cards will also be able to use ATM machines for customers to withdraw cash. The card will cost users just $15 with no fees if its being used in the users home country.

Payment processing The project also aims to offer payment processing for merchants. Fees for merchants will be as low as 0.25% which is far lower than most payment processing providers. This will allow retailers to receive payments in either fiat or cryptocurrency.

History and Roadmap Q2 2016:Got a partnership with UKSTOCKTRADE. Did a presentation at MIT fintech conference. Q4 2016: Due to the rise in demand for blockchain based projects the founders began to focus on cryptocurrency. They then established their headquarters in the British Virgin Islands. Q1 2017: Recruited a development team to build a more secure, private and faster type of cryptocurrency. Proprietary integration of the tor network. Created the stealth messaging system. Q2 2017: Launched the multi sig transaction system. Released the new paper wallets. Q3 2017: Set up a deal to acquire an established bank. Added a new ring signature feature to the blockchain. Q4 2017: Released the whitepaper and began the Tpay token sale. Q1 2018: Completing the ICO. Adding Tpay to popular exchanges. New Apply iOS wallet released. Due diligence of the bank integration. Q2 2018: Tpay website launched for commercial customers. Acquisition or partnership of the new bank. Merchant services application. Q3 2018: The new debit card is sent out to customers.

Tokenpay ICO Details The token sale is set to run until the 17th of January with 14,250,000 tokens available and is split up into 4 different sections with bonuses available:

Until the 13th December: 100% bonus on purchases. December 14th- January 3rd: 50% bonus available. January 410: 25% bonus available. January 1117: 10% bonus available. Price: 1 Bitcoin=2000 Tpay. Hardcap: 5000 Bitcoin. Tokens will be sent to investors within 30 days of the sale ending.

Conclusion Cryptocurrency has grown massively during 2017, however its still not being used for many real world transactions with the fees of most coins currently being too high. This new currency offers many benefits such as low fees and being anonymus. If it was to launch as just a currency then I think it would do very well. However its also launching as a bank which offers additional benefits. The team behind the project looks solid with some of them having a long history in the finance and banking world. If the project can stick to its road-map then Im sure the token price will rise very quickly.

www.tokenpay.com

submitted by /u/PIQAS [link] [comments] Review/Summary on TokenPay ICO ($TPAY Coin) published first on http://ift.tt/2lZ6zaq