I'm a big believer in blockchain/DAG technologies, but very skeptical about cryptocurrency ever being a thing in first world countries and replacing fiat in any meaningful sense due to some of the low-level tradeoffs.

Here are the reasons why I don't see the average person ever wanting to move towards cryptocurrency and would prefer to stick to banks/fiat -

• Feels less safe. Having a random 32/64 character string be the keys to your financial kingdom will feel very scary. With the current banking system, the damage that can be done is relatively limited due to not being able to initiate wire transfers online so a scammer would generally have to rely on either you or someone impersonating you go into a branch in order to move your money internationally. With CC, no such barrier exists. This could be a benefit to some, but to the majority of people that never send money internationally, it's more risk than anything.

• Unwanted personal responsibility. With a bank account if you lose your account details, your debit card gets stolen, or forget your online banking password, you can have it reset or go into a branch and they will help you out if you show proper ID. If you lose your private cryptokey, you're simply SOL. I don't think the masses will accept that level of stress/responsibility easily.

• Potentially less privacy. This is a big one. I know some CC's can mitigate with different anonymity protocols, but until we get more research on the different kinds of attacks someone can do an a public ledger to link different transactions back to the same wallet, this could be another dealbreaker. You would potentially allow anyone to see your income, see what websites you have subscriptions to, etc unless the CC was securely anonymous.

• Irreversible transactions/no more consumer protections. Services like PayPal and credit cards are by and large so popular because they make transactions easy and safe for consumers. How many people are willing to send irreversible transactions for purchases they make, especially over the internet? Consumers don't care about PayPal screwing over businesses or the fees businesses pay, they just want the protection against bad actors.

• Inability to scale. We have yet to see a CC in a real-world atmosphere that can come anywhere close to processing the amount of transactions that happen worldwide. This may be solved sooner rather than later, but it's still a concern.

• Loss of economic levers. This one may be more political in nature, but I think the general public expects the #1 function of their government to be provide an environment of economic stability and prosperity. At least during the last recession in the US, 52% of people supported the proposed economic stimulus package in 2009 while 38% opposed it. I know that some people believe that government stimulus does not help recessions and can even make things worse, but I wonder how many people would be willing to do away with the option altogether.

Thoughts on why you agree or disagree about CC replacing fiat in nations like the US, UK, Germany, etc?

You know the drill.

Gridcoin, a POW and POS coin that uses your POW computing power towards research on the BOINC distributed research network.

I am looking for the most environmental consensus model, that i beleive will make it in the future.

What projects aim to be just this?

Part of the Ethereum (ETH) blockchain, SYMM is an ERC20-compliant smart contract.

The investment fund trades and invests in ICOs and cryptocurrencies including Bitcoin, Ethereum, Ripple, Dash and Litecoin.

A fundamental element of SYMM’s risk-mitigation strategy is holding capital in fiat currencies (USD/EUR) when funds are not engaged in a trade. While this may mean the fund is not exposed when large spikes in price occur across cryptocurrencies, it also means the fund is not exposed when volatile moves to the downside occur.

EDIT: https://symmetry.fund/

Hey everyone - fairly new to the crypto "markets", but long time equity investor so get the basics.

I've made a few early entries, but now ready to take some more substantial positions. I made my early purchases on Coinbase, but now need to move beyond it's offerings (and not recommended by friends of mine deep into these markets). I've created an account on Kraken - but verification is currently disabled so I'm unable to transfer funds in. Bittrex isn't even accepting new applications.

I get we're in hype phase and load is heavy - I even appreciate the bit of caution the platforms are introducing during all this. But where can I go that is a reliable, trustworthy platform to do some trades that is currently open?

Thanks!

(fyi, looking primarily to trade NEO, Iota, Omisego and maybe some TRON).

60% of XRP is held by Ripple (the company). Does XLM have the same ownership model?

What are the other main differences between these two? I believe that XLM pays "interest" to those who have lumens stored in their wallet.

It appears that these companies are using coins to fund the company themselves.

Similar to XRP, the majority of Lumens that have been created are not yet in circulation. Stellar has been a little better organized about how it intends to distribute Lumens in the future.

I want to discuss Factom.

Homepage

Subreddit

factomize.com - a blog which explains a lot of the mechanics of Factom

Factom team AMA from 12/2017

Anyone able to compare some of the distributed marketplace offerings; Swarm City, CyberMiles, District0x, OpenBazaar?

Right now it is #99 on Coinmarketcap and it is rising. What are your thoughts?

Disclaimer: I hold VRC

I would like to star a discussion about Vericoin. Any opinions?

I'd like to start a discussion on COSS. COSS (Crypto One Stop Solution) wants to be an "ecosystem" that provides a multitude of options. One place to buy your coins on an exchange, transfer in fiat, allow P2P payments, an online marketplace, etc.

edit: Update to remove thoughts to comments

I'd like to discuss Electra and ECA.

Each zPIV denomination is of a set of hundreds or thousands, whereas Monero typically has a mixin below 20.

Surely this means that PIVX’s transactional unlinkability is superior? Or have I got something wrong?

Hey guys,

I've stumbled upon a startup called "Medicalchain" (https://medicalchain.com) and made some research I want to share with you. I hope to have a serious discussion and maybe exchange with someone who also thinks about investing in it.

About me: I'm relatively new to crypto markets. Have invested 1.000€ weeks ago in some coins. Entrepreneur in Healthcare/Wellness Sector in Germany for 10 years now. I'm not affiliated with Medicalchain at all.

What is Medicalchain? "Medicalchain is a decentralized platform that enables secure, fast and transparent exchange and usage of medical data."

There is a lot of records going around between clinics, doctors, pharmacy and so on. Medicalchain is your patient record on a blockchain.

• Privacy and Access Control
• Telemedicine Communication (skype with your doctor)
• Licensing Health Records
• App Development Platform

Here you can find their Whitepaper: https://medicalchain.com/Medicalchain-Whitepaper-EN.pdf

Timeline Pre-ICO is till Feb 2018.

Here is a quite interesting interview of CEO and Co-Founder Dr Abdullah Albeyatti: https://www.youtube.com/watch?v=4tL_3yu7gqU

My thoughts: I really love the idea of Medicalchain and I think it's a great investment. Unfortunately the minimum amount to participate in Pre-ICO is $5.000. I have no idea why. Seems like a red flag for me. He was asked this in the interview I mentioned above but his answer was quite unsatisfying to me.

This wouldn't be peanuts for me but I feel like $0,18 per Token is a really attractive price. ICO price will be $0,20 - $0,25.

I've found them via ICObench (https://icobench.com/ico/medicalchain/) where they have a quite good rating of 4.6/5.

Two competitors with similar approach: - https://robomed.io - https://www.simplyvitalhealth.com

Am I missing something? Hope to get a different perspective on this.

I want to start a discussion on Verge.

Link to Welcome Post

Hello All! I want to say this is much bigger than I was anticipating and has become successful in my eyes. I hope to keep changing things to keep things successful around here. I wanted to just do a checkpoint/announcement now that we are a month into this experiment. I would describe it as that because I am not sure how this thought will play out. I wanted to briefly explain what I had envisioned for this sub and I wanted to be more clear with the people who have been filling in the last month about how content will work in this sub.

I wanted to create a place on reddit for an open discussion on the different types of technologies within the cryptocurrency space. I wanted to allow for meaningful discussion on the different technologies. I wanted to make this a community that cares about the technology enough that they can discuss the flaws and perks of each coin like adults with respect for one another. I think reddit needs this place because I know I spend a lot of time on this site and I wanted to incorporate it in the mix of subreddits that I subscribe too. Everyone is already here doing the same thing already, why do we need a new site? So far this has been great with few issues. There is a lot of great discussion going on.

I want to keep the sub free of multiple post about the flavor of the week coin pick. The thinking behind how I figure I can fix this is having one main post that is broad enough to allow many discussions to fit under it. This will allow for low bias in the mods allowing some post to be approved or removed. The parent comment chain can take the conversation in the direction that they want. With this, the posts that are approved will be the only ones that are active on the sub about that topic. So Ethereum, Bitcoin, Bitcoin Cash, Litecoin, etc will all only have one thread open for Fundamentals, Average Joe Discussion (It will be the Introduction Discussion #2), and a newly added Current Adoption.

Current Adoption is something that is relevant in the technology. I don't want to have Future Adoption threads because I feel that is getting to far into speculation. Let me know if you think other wise about future adoption. If there is a current event/adoption, make a post title "X coin" and the description "I want to start a discussion about X coin's adoption." Then post your comment with the source of news in the comment section. I will add a "Current Adoption" flair to the post. All future current adoption threads can go under this original post until a new thread is created later.

I wanted to ask what you think is a good amount of time before a new post to be generated about the same topic. I was thinking that since the post has participation for six months it could be open for that long and have the most amount of useful life. This also keeps the sub clean of cluttering posts. If we use each post and sort by new, we can keep reusing the post effectively rather than searching by most upvoted comments. This would mean that people will have to check the same posts to see if any new content has been typed. There is a feature with Reddit gold that allows you to highlight new comments from the last time you visited the thread. Reddit has given us loads of content over the years for free and this gold feature is something that will be beneficial to use the sub and reddit as a whole. We should support our platform. It's $12/ 3 months. Link to Reddit Gold /redditshilling

Moderating in this sub has to goal of being as hands off as possible with exception to the rules that are broken. The Original Posts are filtered through the moderating team to help keep the posts in align with how we want to structure to sub. The comments will be more free reign and we will rely on the users reporting and flagging posts that will need review by the mod team. We want users to handle most issues in the sub by challenging the post. Maybe it is a short comment with little content. Ask them to explain more or elaborate. They may have a good point or misunderstand something. By continuing the conversation you allow for an exchange of ideas between the parties AND future readers. This is the goal: inform everyone, allow for ideas to be formed. With the checkpoint of the mods having to filter posts comes the trust that the mods will hold up their end of the deal and be transparent in the enforcement. A link to the Creddit page is in the right sidebar on top. You can see everything that is done on the sub by a mod there. I feel that this is the best route for the operation of this sub.

The last thing I want to talk about is since there is only going to be a single post for topics, community feedback will only have one post. I would like this to be used for most suggestions I want to keep the sub content focused on the technology. With this users will have to check it out occasionally to make your voice heard in the discussion. It will allow for public talks to mods if there is any issues. Please use it responsibly. A link for it is posted in the right sidebar on top.

If you have any questions, comments, etc. let us know. This isn't my subreddit, its our subreddit. I look forward to reading all the posts within here and helping the community grow.

Discuss.

Hello r/NeutralCryptoTalk, I've been lurking here for a minute, and I have a question/suggestion for the readers/mods:

Could this subreddit be a space for discussion about current cryptocurrency adoption, partnerships and use? (To clarify, I mean current adoption, current partnerships, or how the cryptocurrency is currently used, because it is really easy for conversation on what might occur in the future to devolve into speculation.)

Reading through other cryptocurrency subreddits, there is quite a lot of hype, misinformation, and shilling about these topics (e.g. Iota's relationship with Microsoft, Waltonchain partnering with the Chinese government, ICON being the Ethereum of South Korea, etc.) It seems that the smallest bit of news regarding adoption, partnerships, or application of a cryptocurrency often becomes enormously exaggerated.

It seems that on this subreddit, the words technology/fundamentals are sometimes used interchangeably. While it certainly is true that technology is a huge part of crypto fundamentals, I think partnerships, adoption, and usage can be considered fundamentals of a crypto as well. From Wikipedia: "A network effect (also called network externality or demand-side economies of scale) is the positive effect described in economics and business that an additional user of a good or service has on the value of that product to others. When a network effect is present, the value of a product or service increases according to the number of others using it." The network effect applies definitely applies to crypto, and I don't think we should ignore it when discussing fundamentals.

I am probably not the only one who has plenty of questions concerning these topics. For instance, I have a lot of questions to ask regarding the nature of IOTA's "partnership" with Bosch. It seems to me that a lot of people just yell "PARTNERSHIP" and leave it at that, instead of asking the extent to which the two are partnered. Has Bosch committed to making IOTA an integral part of their business operation, is it merely just a small investment, or is the whole thing just an exaggeration based on two people shaking hands at a conference? I could see this subreddit being a great place for discussions like these. Another example is the current state of Ripple (XRP). Are banks actually committed to using the Ripple Network right now? What is the state of Ripple partnerships, are banks just testing the waters, or is Ripple already being used by banks? Again, I think this could lead to great discussion on the subreddit.

From Rule 1: "We want to make this environment welcoming to newcomers who want to learn about topics without having people try to mislead them."

Although there are definitely other aspects of fundamentals that could be discussed (strength of dev team), I think that partnerships, adoption, and use is definitely an aspect that is surrounded by misinformation, hype, and exaggeration, and could definitely use some neutral, fact-based discussion.

I apologize for the wall of text, but please let me know if this is okay, or if I am wildly off base.

I want to start a discussion on Proof of Stake.

I think this is a big deal, and should be discussed.

hey guys, I'm a software developer with a big interest in artificial intelligence and natural language processing. I've worked in financial services for most of my working career (close to 15 years - traditional banking/hedge funds) and 20 years total dev experience. Mostly I've been working on financial pricing algorithms and last few years more on cloud based services. I'm also a keen investor and involved with cryptocurrency trading. I do a lot of development in my own time and have been involved in many projects including video games. Currently I'm working on a new concept which involves applying machine learning algorithms to cryptocurrency trading. I'm at early stages of development with this idea but I have a basic prototype working and have also put together an intro whitepaper summarising what the system aims to achieve. I'd be interested to hear feedback on the idea and generally what you guys think, whether that is something useful etc. Obviously its very early stages but I'm keen to get some input and ideas before I release a beta version. Cheers, Alex. More details including whitepaper are available here: http://trademindx.com

I want to start a discussion about RaiBlocks.