Regulated Swiss Crypto Bank SEBA Opens Doors

What can I do to prevent this in the future?

If you are on a personal connection, like at home, you can run an anti-virus scan on your device to make sure it is not infected with malware.

If you are at an office or shared network, you can ask the network administrator to run a scan across the network looking for misconfigured or infected devices.

Ho Chi Minh City to Develop Blockchain Regulations for Smart Cities

What can I do to prevent this in the future?

If you are on a personal connection, like at home, you can run an anti-virus scan on your device to make sure it is not infected with malware.

If you are at an office or shared network, you can ask the network administrator to run a scan across the network looking for misconfigured or infected devices.

Bithumb Global Announces Bithumb Coin (BT)

Bithumb Global Announces Bithumb Coin (BT)

Bithumb Global has officially announced the launch of Bithumb Coin, the token that will be the fuel of the Bithumb Chain. The initial supply will be of 300 million units but, through a burn program, the exchange aims to destroy 50 percent of the total supply. The news was published by Financemagnates on November 12.

Native Token for Bithumb Chain

The token will be launched under the “BT” ticker and will work as a medium of exchange for the Bithumb Chain ecosystem which will probably be launched during Q1 2020.

As already discussed by BTCManager, the Bithumb Chain is part of the Bithumb Family, a digital platform that aims to connect individuals, institutions, and companies both in the blockchain and classic financial sectors.

The Bithumb Coin will serve this purpose. Built with a model similar to that of competitor Binance Coin, BT will be used to carry out transactions within the Bithumb Chain and create a system of incentives that will drive the Bithumb Family.

The initial supply will be 300 million units. However, the exchange aims to use its revenue to buy back some of its tokens and burn them. The goal is to reduce the offer by 50 percent, thus bringing the number of units available to 150 million.

The token holders will also be involved in the Bithumb Chain governance model. This includes both the formulation and direction of network development and also the investment decisions of the Bithumb Chain. The Korean giant specifies that the token distribution will be based on the user incentive pool for a total of 30 percent while another 30 percent will be allocated for trading incentives.

Bithumb is Pushing its Offering

Bithumb Global is continuously pushing to expand its offerings and is eying to make a mark on the global map. Its daily trading volume accounts for almost all the bitcoin markets in South Korea as well as 15 percent of the global bitcoin market. Moreover, the creation of the Bithumb Token could be excellent to increase the engagement of Bithumb Family users, which are already around 8 million.

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AlphaPoint’s White Label Tech Now Lets Crypto Exchanges Offer Margin Trading

Crypto software firm AlphaPoint is bringing margin trading to its client exchanges.

Announced Tuesday at CoinDesk’s Invest NYC conference, the technology provider is adding support for margin trading, with a raft of trading options and controls for crypto brokerages and exchanges utilizing its software. 

AlphaPoint’s platform is customizable, to better serve clients operating in different markets and regulatory regimes, spokesman Patrick Shields told CoinDesk:

“Rather than creating a one-size fits all model, we focused on creating a platform that is highly configurable,” he said. “Some examples include requiring approval workflow for end users, and configurable minimum deposit size, leverage and liquidation levels, fees and other settings.”

At launch, the company said that no clients were immediately implementing AlphaPoint margin trading, but “several firms” are beta testing the platform, including the Canadian cryptocurrency trader National Digital Asset Exchange (NDAX), according to a press release.

Bilal Hammoud, NDAX founder and CEO, said in a statement that he looked forward to the partnership:

“We will bring BTC to CAD margin trading to Cryptocurrency and allow traders to enjoy a secure, compliant, and technologically advanced platform.”

Margin trading – when one buys a security (or in this case a cryptocurrency) using borrowed funds – is becoming increasingly prevalent in the crypto space as many popular exchanges continue implementing the feature. Binance rolled out margin trading in July, and Bakkt, Coinbase’s professional trading platform and Kraken all have the option.

But that increase has not come without pushback. Certain countries around the world have discouraged crypto margin trades and placed tight controls on the practice, as in Japan

Trading image via Shutterstock

Huobi’s ‘Regulator-Friendly’ Blockchain Goes Open Source

Huobi Chain, the regulator-facing public blockchain of exchange Huobi Group, is now open source and publicly available to all developers on GitHub, the firm said Tuesday.

Nervos, a blockchain development startup, is providing part of the technical infrastructure for the project.

The firms are developing pluggable components for the network that could enable regulators to supervise contract deployments, asset holdings and transfers, as well as the enforcement of anti money laundering regulations, Bo Wang, a Nervos researcher, told CoinDesk.

The components will also allow financial institutions, such as banks and regulatory agencies, to freeze assets and accounts in case of emergencies via sidechains, according to Wang.

“Supervision nodes will enable regulators to independently run and maintain nodes, extract data, and participate in the ecosystem’s supervision,” he said, noting Huobi Chain will also provide tools for pre-deployment audits and continuous tracking.

Huobi Chain unveiled the public blockchain in July in partnership with blockchain startup Nervos. It can be used for financial services and applications, including lending, debit services, stablecoins, security token offerings, exchanges and payment services, the company said.

The firm has touted the network as the first financial public chain to support nodes that let regulators contribute to the network as validators.

Huobi Group founder and CEO Leon Li said in today’s announcement:

“If major banks and financial institutions are to fully embrace and adopt permissionless blockchain technology, we need to create a safe and secure environment that makes it easier for them to transition their products and services to the blockchain.”

Nervos is also working with financial giant China Merchants Bank to develop its decentralized finance applications. The blockchain firm completed its $72 million token sale last week, and will launch its Lina mainnet on Nov. 16.

Huobi image via CoinDesk archives

对话洪蜀宁:区块链最可能产生颠覆性影响的领域是银行和媒体

作者:雨林

 

“ 只有信仰才让思想发出火花,只有希望才让未来发出光芒。—— 雨果”
比特币过千亿的市值背后不乏万千持有者,但真正称得上比特币信仰者的却并不多。

2011年2月9日,比特币的价格首次达到1美元,但当时很少有人对诞生于极客社区的比特币感兴趣,也很少有人能预料到比特币后来在全球范围内形成的影响。不过在洪蜀宁看来,“比特币的出现是对现有的货币和金融体系的颠覆” (洪蜀宁, 2011)。

2011年就做出如此判断的他当时还在人民银行南京分行工作,凭着自己对比特币极大的兴趣,他发表了国内第一篇系统研究比特币的学术论文《比特币:一种新型货币对金融体系的挑战》,文中的很多观点放在今天来看也不过时,因此有人称洪蜀宁为“比特币先知”。

洪蜀宁现在仍是坚定的比特币信仰者,但已近知天命之年的他已经将更多的精力投入区块链技术的研究和推广,他说自己的后半辈子“会密切地和区块链捆绑在一起”。

零壹财经在近期一次区块链行业会议上见到了洪蜀宁,并与这位行业的意见领袖就热点话题进行了简单交流。虽然时间短暂,但他依然给我们留下了观点犀利的印象。

 

洪蜀宁说他比较喜欢抓事物的本质并以简短的语言表达自己的观点,因此最多140字的微博是他发声的“主阵地”,他说长篇大论不是他的风格。

比如我们和洪蜀宁谈到Facebook的Libra,他表示自己在看过了Libra的白皮书后就判断Facebook的想法是好的,但“基本是不可能做到的”。

洪蜀宁解释说,“在中本聪之前,数字货币其实有很多,其中最有名的就是David Chaum的‘DigiCash’。这个项目本来做得很不错,也是做到了几十个国家,最后因为监管的原因说没就没了。所以中本聪吸取了这一教训,做了一个去中心化的东西,监管拿我没办法。Libra其实是一种倒退,它又回到了DigiCash的路子上,只不过加了个区块链技术。我觉得Libra是做不成的,至多做成个‘USDFB’,也就是Facebook版的美元稳定币。Libra的设想是搞一个联盟,拿一揽子的法币资产作为储备来发币,而且这个币是通过中间经销商发行的,但实际上没有任何一个国家的监管机构会同意它这样做,从目前Libra遇到的阻力来看我的判断基本准确。”

 

对于近期火热的央行数字货币话题,洪蜀宁也表达了他的一些个人见解。

首先,关于DC/EP与区块链的关系,“我去年就在讲,央行的DC/EP跟区块链没关系,跟稳定币也毫无关系。2016年人民银行成立数字货币研究所,当时区块链也比较火,大家认为这是对比特币的一个大利好。我当时就判断这个事情跟比特币和区块链毫无关系,央行的数字货币很有可能用数据库来做,而不是用区块链来做。”

其次,关于DC/EP与人民币国际化,“DC/EP是数字现金,而我们的人民币是受管制的,未来DC/EP恐怕无法出境使用,只能在国内使用。目前也没有人能说清楚怎样做人民币国际化,并且保证人民币国际化以后汇率还不受影响。”

再次,关于DC/EP的应用场景,“DC/EP最大的困难是没有应用场景。什么样的情况下我需要用DC/EP呢?对C端用户来说,连银行账户都没有的人怎么可能会去用DC/EP的手机APP呢?当然不排除在某些场景中会利用行政手段来推广使用DC/EP。”

最后,关于可能的套利,“DC/EP的货币政策和纸币的货币政策很可能是不一样的,是隔离的。一旦货币政策的差别很大的时候,市场的投机力量就会进来把这种差异缩小,俗称套利。而为了避免这种套利的存在,可能需要行政手段把应用场景彻底割裂开,但这很难,人为将一种货币划分开在两个市场使用存在较大风险。”

 

洪蜀宁还畅想了区块链技术的未来,他说区块链最有可能产生颠覆性影响的领域有两个:一个是银行业,另一个是媒体业。

对银行业来说,“主要业务就是存贷汇,并且这些都属于中介服务,全部可以用区块链技术来替代。汇款业务目前已经有大量的区块链替代方案,如比特币等。存款和贷款业务可以通过区块链的智能合约实现自动撮合资金提供方和借款人的需求,未来银行会继续保留其核心业务——风控,为区块链融资业务提供专业化风控服务。”

对媒体行业来说,“目前互联网自媒体已经部分实现了去中心化,但依然必须依赖于微博、微信等中心化系统。通过采用区块链技术可以进一步实现去中心化,达到人人都可以无门槛地发布信息的终极目标。区块链在媒体的应用虽然可能现阶段没有金融业的应用那么好,但一定是未来的方向之一。”

 

“比特币是开创者也是终结者”,洪蜀宁在对话的最后重申了他的比特币信仰,他认为“以太坊的路线其实走偏了,它过度强调了计算,但区块链真正关注的是价值而不是计算。如果没有以太坊而只有比特币,也许大家就不会走很多弯路了。

洪蜀宁说他曾经想过用比特币来做DeFi,他的直觉是比特币也一样能实现MakerDAO。“现在精力有限,很多想法还没来得及付诸实践,如果说我是Vitalik,那我还缺一个Gavin。”

科普 | 隐私保护堪忧?加密数据仓库大显身手(核心用例与需求分析)

本文源自于 Rebooting Web of Trust 组织在 RWOT IX — Prague, 2019会议上的论文《Encrypted Data Vaults》的第二部分。继上一部分介绍了当前加密数据仓库的方法和体系结构、派生的要求、设计目标以及开发者在实现数据存储时应意识到的风险之后,本部分将主要讲述数据存储系统的常见用例需求分析以及建设加密数据仓库的一些指导原则和设计目标。下一期我们将带来《Encrypted Data Vaults》的最后一部分,探讨加密数据仓库的架构及一些安全和隐私方面的考虑等问题。

原文:https://github.com/WebOfTrustInfo/rwot9-prague/blob/master/final-documents/encrypted->

作者(按字母顺序):Amy Guy、David Lamers、Tobias Looker、Manu Sporny 和 Dmitri Zagidulin

贡献者(按字母顺序):Daniel Bluhm 和 Kim Hamilton Duffy

以下四个用例是数据存储系统常见的应用模式,但绝不是唯一的用例。

1. 存储和使用数据

用户希望将数据存储在安全的位置,但不希望存储服务提供商能够看到他存储的任何数据,也就是说只有用户本人可以看到并使用数据。

2. 搜索数据

随着时间的推移,用户将会存储大量数据。用户需要搜索数据,但不希望服务提供商知道用户要存储或搜索的内容。

3. 与一个或多个实体共享数据

用户一般会和其它人或服务等多个实体共享其数据。在第一次保存数据时,或在以后的使用过程中,用户可以决定授予其它实体访问其存储区中数据的权限。只有在该用户明确同意的情况下,他的存储空间和数据才允许别人访问。

用户希望能够随时撤消他人的访问权限,且在共享数据时,可以设置第三方访问其数据的有效期限。

4. 将同一数据存储在多个地方

用户需要系统具备跨多个存储位置备份其数据的能力,以防数据丢失。这些位置可以由不同的存储提供商托管,并且可以通过不同的协议访问。这些位置可能是用户的手机,也可能是云存储。另外,这些位置应该能够彼此同步。因此,无论用户如何创建或更新数据,这些位置上的数据都是最新的,并且能够在不需要用户协助的情况下自动进行同步。

 

从上述四个核心用例中,我们可以提取出对存储系统的一些需求。

1. 隐私和多方加密

该系统的主要目标之一是确保实体数据的隐私,以防未经授权的人(包括存储提供商)访问该数据。

为此,必须在数据(通过网络)传输和(在存储系统上)保存时对数据进行加密。

由于数据可以与多个实体共享,因此加密机制还必须支持将加密数据分享给多方,允许多方访问。

2. 共享与授权

该系统有必要提供一种授权机制,以允许在一个或多个实体之间共享加密信息。

在系统中,可以指定一种强制性授权方案,也可有其它替代性授权方案。这些授权方案包括 OAuth2.0、Web 访问控制和 ZCAPs 等。

3. 身份标识

该系统应与身份标识无关。通常来说,URN 或 URL 形式的标识符是首选。假定系统要以某种方式使用去中心化身份(DID),但以硬编码实现 DID 不是一种很好的模式。

4. 版本管理和副本

一般来说,我们期望系统可以连续备份信息。基于该原因,系统需支持至少一个强制性的版本管理策略和一个强制性的副本策略,同时还允许其他版本管理和副本策略。

5. 元数据和搜索

系统一般会存储大量数据,用户需要能对数据进行高效且可选择性的检索。为此,加密搜索机制是系统的必要功能。

对于客户端来说,重要的是能够将元数据与数据相关联,以便可以对数据进行搜索。同时,由于数据和元数据的隐私性需要得到保证,因此元数据必须加密存储。另外,服务提供商必须能够以不透明且保护隐私的方式执行那些搜索,而不能查看元数据。

6. 通讯协议

由于该系统需要可以和各种业务环境兼容,因此必须至少强制使用一种通信协议。但有一点也很重要,设计也应允许系统使用其它协议,如HTTP、gRPC、蓝牙和其它一些在线协议。

本节详细介绍了建设加密数据仓库的一些指导原则和设计目标。

1. 分层和模块化架构

使用分层架构方法,可以确保系统基础功能十分容易实现,同时允许将更复杂的功能层叠加在较低层之上。

例如,系统第1层可能包含一些强制性的最基本功能;第2层可能包含对大多数部署来说十分有用的功能;而第3层可能包含一小部分生态项目所需的高级功能;到了第4层,可能会包含极其复杂的功能,而这些功能只有很小一部分生态项目需要。

2. 优先考虑隐私问题

加密数据仓库的建设首先要保护实体的隐私。在探索实现新功能时,请始终将对隐私的影响纳入考虑。对隐私产生负面影响的新功能将经过严格审查,以确定新功能是否值得实现。

3. 将实现复杂性推给客户端

系统服务器应聚焦于加密数据存储和检索功能的实现。服务器对数据了解得越多,存储数据的实体面临的隐私风险就越大,同时服务提供商就会对托管数据负有更多的责任。将复杂性推给客户端可以使服务提供商提供稳定的服务器端实现,而客户端也可进行一些创新。

>>>>

未完待续,下一期我们将带来《Encrypted Data Vaults》的最后一部分,探讨加密数据仓库的架构及一些安全和隐私方面的考虑等问题,敬请期待!如果你对数据隐私保护等方面感兴趣,欢迎加入本体技术社区,与我们共同探讨。

Algo Affiliates Is Making Referral Marketing Easier Than Ever

Algo Affiliates, a world-leading marketing affiliate network specializing in crypto and forex, is looking to onboard partners and publishers for their technology-focused platform.

Do Affiliate Programs work?

A study into the prevalence of affiliate schemes conducted by Forrester Consulting found that a massive 81% of brands and 84% of publishers harness a referral marketing strategy.

Incredibly, over half of the publishers surveyed attributed 20% of their annual revenues to affiliate programs.

Further research by the national retail federation revealed that 38% of marketers cite affiliate schemes as the single best method to acquire new customers.

Given the apparent efficacy of the approach, it’s no surprise that affiliate programs have become a multi-billion dollar enterprise. Since 2015 a combined $26.7 billion has been spent on affiliate marketing in the US alone, with a further 6.82 billion estimated in 2020.

What is an Affiliate Network?

Coinbase, Trezor, and Ledger – to name a few – are among the significant crypto-based businesses offering an affiliate program. For companies, these programs act as a perfect means to draw in new customers with minimal drain on resources. For affiliates, schemes work as a good source of income, enabling go-getters to reap what they sow. However, for both, negotiating multiple affiliate programs can create an awkward juggling act. Networks, such as Algo Affiliates, negate this issue, providing a platform on which to organize each affiliate program and pair the client with the best offers.

Taking lessons learned from the decentralized space, Algo Affiliates has a global reach connected to over 150 prominent multilingual brokers, in 25 countries worldwide. Moreover, the company cites over 200 multilingual offers, inclusive of high-converting mobile-friendly landing pages, with comprehensive creatives tailored for every type of traffic.

Algo’s Patented Algorithms

Combining a wealth of experience with their partiality towards technology, Algo-affiliates is a perfect fit within the fintech industry. Specializing in both crypto and forex affiliate schemes, Algo optimizes offers for customers worldwide in order to achieve a high level of efficacy.

Offers are connected to an automated trading system, with a fully serviced email and SMS conversion funnel optimized to convert prospective customers effectively. On top of this, Algo’s in-house smart algorithms ensure that offers are suitable for the incoming traffic, country of origin, and broker.

Algo Affiliates explains how these patented algorithms work to secure a result for their customers:

One of the keys to our success and our partners’ success is our proprietary, self-optimizing technology that makes sure the perfect offer reaches the optimal audience at the best time.

Catered for All

While Algo Affiliates places the utmost importance on their publisher’s satisfaction. They also pride themselves on supporting the growth of their promotors, prioritizing on-time payments, and ensuring that affiliates aren’t forever having to chase up rewards. The platform offers 24/7 support is provided, enabling peace of mind, ready to answer all queries.

Multiple settlement deals mean that including Revenue Share, Hybrid Deals, Referring Affiliates deals, and cost-per-acquisitions (CPA) deals. A CPA deal is an especially popular option, whereby the referring participants receive a one-off fee for every client referred to the affiliated merchant – the more clients converted, the more lucrative the CPA.

Affiliate marketing has become a strong contender to traditional advertising methods. The approach continues to prove its benefits time and time again, providing an efficient means of outreach and a valuable source of income for both publisher and affiliate.

Around The Block With Jeff And Dave – November 11, 2019

Around The Block With Jeff And Dave – November 11, 2019

Bitcoin is at 9,000 again … What does this mean for us?

China doesn’t ban bitcoin! China is actually adopting blockchain-based projects.

Mastercard launches a ‘getting started’ kit in Asia.

We interview Alejandro with Poolin – Find out what real mining is all about.

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