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      "author": "southsidde",
      "body": "Hello dog lovers! I had a similar experience with my furry companion, Max. He used to be full of energy and loved to socialize with other dogs. However, he started to look a little disheveled and seemed to show little interest in his usual activities. That's when I discovered the wonders of animal grooming services! They are incredibly skilled at bringing out the best in our four-legged friends and making them feel like a million dollars. So hurry to [Book your dog's grooming appointment in Calgary now!](https://doggroomercalgary.com) I'm sure you and your pet won't regret it.",
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      "body": "Dealing with bad dog behaviors can be a challenge, but it's essential to ensure a happy and well-behaved furry friend. Starting early with training and positive reinforcement is a great approach.\nAlso, for pet owners looking to provide their dogs with additional support, you might want to explore options like the <a href=\"https://www.orlandomagazine.com/best-cbd-oil-for-dogs/\">best CBD oil for dogs</a>.\nCBD oil has shown promise in helping with various dog behavior problems and anxiety issues. It's always a good idea to consult with a veterinarian to see if it could be a suitable option for your pet.\nRemember, patience and consistency are key when addressing bad behaviors, and with the right techniques and support, you and your furry companion can enjoy a harmonious relationship.",
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      "body": "Thanks for the advice! My daughter was homeschooled for a long time due to her trauma and thought she would not be able to go to a decent college, but your story inspired her, and she began to study hard for her final exams. We are also now choosing one of the <a href=\"https://www.prepler.com/best-colleges\">best colleges in America</a> to start preparing for admission.",
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      "author": "steemitboard",
      "body": "Congratulations @abiedoodles! You received a personal award!\n\n<table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@abiedoodles/birthday2.png</td><td>Happy Birthday! - You are on the Steem blockchain for 2 years!</td></tr></table>\n\n<sub>_You can view [your badges on your Steem Board](https://steemitboard.com/@abiedoodles) and compare to others on the [Steem Ranking](https://steemitboard.com/ranking/index.php?name=abiedoodles)_</sub>\n\n\n###### [Vote for @Steemitboard as a witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1) to get one more award and increased upvotes!",
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      "author": "steem-bet",
      "body": "Dear abiedoodles:\n\nWe are SteemBet, the next generation STEEM based gaming platform. We are honored to invite you to join our first fantastic dice game, which is just the beginning of SteemBet game series. Our dividend system has now launched. The prize pool has already accumulated 2,000 STEEM and more than 60 players have participated in staking mining token SBT. A huge reward of 40,000 STEEM is awaiting! Join us NOW with other 500 STEEM users to loot HUGE dividend reward!!\n\nSteemBet Team\n\nOfficial Website\nhttps://steem-bet.com\n\nDiscord Server\nhttps://discord.gg/95cBN3W\n\nTelegram Group\nhttps://t.me/steembet",
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      "body": "Hello @abiedoodles! This is a friendly reminder that you have 3000 Partiko Points unclaimed in your Partiko account!\n\nPartiko is a fast and beautiful mobile app for Steem, and it’s the most popular Steem mobile app out there! Download Partiko using the link below and login using SteemConnect to claim your 3000 Partiko points! You can easily convert them into Steem token!\n\nhttps://partiko.app/referral/partiko",
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      "author": "abiedoodles",
      "body": "February 7, 2019 / Manila, Philippines – UnionBank of the Philippines has launched a cryptocurrency ATM that allows buying and selling of cryptocurrencies (virtual currencies) for cash.\n\n![union-bank-crypto-atm.png](https://cdn.steemitimages.com/DQmcLiVtVKwpt28j7wSqnHrxuX9H3Bz4MbM8WM7QchTjHTB/union-bank-crypto-atm.png)\n\nAs reported by the Philippine Star, the virtual currency automated teller machine (ATM) is launched to cater to clients who use virtual currency. In a statement, the bank said this ATM “will provide these clients with an alternative channel to convert their pesos to virtual currency and vice versa”.\n\nUnionBank said this cryptocurrency ATM offering is in line will all applicable regulations, particularly the ones set by the Philippine Central Bank (Bangko Sentral ng Pilipinas – BSP).\n\n\n\nIn 2017, the BSP released Circular 944 which sets guidelines for virtual currency exchanges in the Philippines. Primarily, it covers the “conversion of fiat to crypto and vice versa” and does not cover order book style exchanges, where rates are set by the market participants. The circular also requires companies dealing with crypto transactions to register as a “remittance and money transfer company”.\n\nThis writer had first seen the Crypto ATM via a photo shared by Mr. Mike Abundo, Chief Technology Officer at Reelmedia.\n\n![union-bank-philipines-crypto-atm.jpg](https://cdn.steemitimages.com/DQmNzsKUrDignksDSWarCZ4Yw8yQE8H5hLiE4GfU9L6W4hJ/union-bank-philipines-crypto-atm.jpg)\n\nUnionBank has a reported slip in earnings due to a significant increase in operating expenses as well as changes in operating standards. The bank noted it is making investments in its people and its operation as it prepares for the third phase of its digital transformation.\n\nUnionBank’s Project i2i is an initiative to connect rural banks with each other via blockchain. It is just one of its many projects that aims to use blockchain, with the addition of a blockchain institute to train blockchain developers and a blockchain-based platform for General Circulars (GCs). Last week, it teamed up with IBM in building a blockchain-based solution for reinventing supply chain finance. Announced on IBM’s blog, the cloud-based application is set to transform finance transactions through a permission digital ledger – the “IBM Blockchain Platform”. This solution will be available to all of UnionBank’s customers and partners that want to join the blockchain network.\n\nUnionBank Chairman Justo Ortiz is a founding member of the Blockchain Association of the Philippines.\n\nsource: https://bitpinas.com/news/philippines-unionbank-launches-crypto-atm/?fbclid=IwAR0KxPUgA91Igl_dGoe3eAAS1EYT6vHbfI8fMy1sBA-ha7Uxe5fMviMzUgk",
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      "author": "cheetah",
      "body": "Hi! I am a robot. I just upvoted you! I found similar content that readers might be interested in:\nhttps://bitpinas.com/news/peer-peer-bitcoin-transactions-philippines-show-record-2018-growth/",
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      "body": "Despite the price correction of bitcoin, LocalBitcoins still recorded a surge of transactions in 2018 versus the previous years.\n\nJanuary 31, 2019: Data from LocalBitcoins has shown decreased peer-to-peer bitcoin transaction activity in the Philippines during the 4th quarter of 2018. Upon looking at the big data, however, the records show that bitcoin transactions in the Philippines have drastically increased in 2018 compared to previous years.\n\n![1.png](https://cdn.steemitimages.com/DQmb7nntvW8S8Qx5zDPsuayWQeNfLGyQKMToydpKfkr8pLx/1.png)\n\n![2.png](https://cdn.steemitimages.com/DQmb1KGYzoLhpVa7GicszgSK8VDB3SRE2visq7yie2Krrdm/2.png)\n\nThe table above shows bitcoin transactions (Philippines) at LocalBitcoins as recorded by Coin Dance. While there was an uptick in transactions in November 2018, it went flat immediately by December 2018. The highest recorded volume was on the week of November 11, 2018 at Php 20,022,000 and the lowest volume was recorded at the tail end of 2018 at Php 1,586.026.\n\nIt is interesting to note that the weeks that record the lowest volumes are also weeks where there are holidays in the Philippines.\n\n![1.jpg](https://cdn.steemitimages.com/DQmViMQ8nSxcktXotertRQ52QDQw2f63NnDGzEciTpVc8Hd/1.jpg)\n\nIt also coincided as well with the steep drop of bitcoin’s market cap and price per USD at the beginning of December 2018.\n\nLocalBitcoins Philippines (Quarterly 2018)\n\n![4.png](https://cdn.steemitimages.com/DQmT8qjvCQioPsxsRZ9XxVAo5vpjvEPu8U6ceyvN9Wa1eZe/4.png)\n\nThe table above shows the total worth of bitcoin transactions every quarter as recorded by Coin Dance. Interesting to see that despite the bitcoin craze in Q1 2018, there are more bitcoin transactions in Q3 2018. Q3 2018 is when bitcoin suddenly spiked to USD 8,000 by August 2018. A recognized mini bull run, it was noted previously on BitPinas that it was possible people were chasing the bull run during that month.\n\n![5.jpg](https://cdn.steemitimages.com/DQmRkaJmbgDvMbJ2aA5jRdHvMGK7aCRBMRFM2u566UpfvaR/5.jpg)\n\nTransactions exceeded Php 240,000,000 in Q3 2018. Q2 has the lowest output at Php 87,000,000, around the time when bitcoin slid steeply down from its all-time high of near USD 20,000 (Php 1,000.000). \n\nLocalBitcoins Volume Philippines Yearly\n\n![6.png](https://cdn.steemitimages.com/DQmNamAyuLGgrK31mZ7MFtWPodKw135vkSG2hRsmu3CurHJ/6.png)\n\nThe table above shows an increasing number of bitcoin transactions in the Philippines since 2013. It was in 2017 when transactions recorded an uptick. Remember that 2017 ended with a wild uphill bitcoin price trend that all came down by March 2018.\n\nYet, despite the price correction of bitcoin, LocalBitcoins still recorded a surge of transactions in 2018 versus the previous years. The record shows an almost twice the worth of transactions in 2017. (Read More: Cryptocurrency Wallet Philippines Guide.)\n\nIt is also interesting that despite the addition of companies legally allowed to facilitate crypt to fiat transactions, peer-to-peer still thrives very well in the Philippines.\n\nsource : https://bitpinas.com/news/peer-peer-bitcoin-transactions-philippines-show-record-2018-growth/",
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      "body": "Union Bank Showcases Mining Rig During a Business Conference\n\nUnion Bank showcases its enthusiasm with cryptocurrency and blockchain by showing its mining rig during a business conference with CEO Mr. Edwin Bautista and Mr. Miguel Cuneta, COO and Co-Founder of Satoshi Citadel Industries.\n\n![mining-rig.png](https://steemitimages.com/DQmSTFWQxEgwzUo5b9iyHwWRZLBd97v5kS2FsenLFKM2kKE/mining-rig.png)\n\nUnion Bank is the first universal bank in the country to embrace the blockchain. The bank is one of Visa’s first partner for B2B Connect, a cross-border payments system built on the blockchain. B2B Connect can cut transaction time from 3 – 5 days to at least within 24 hours.\n\n\nApart from the partnership with Visa, Union Bank also announced the digitalization of its operation. 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Although it is not stated what kind of cryptocurrency, Mr. Cuneta shared that the bank is exploring and experimenting how “mining” works.\n\n\nsource : https://bitpinas.com/news/union-bank-showcases-mining-rig-business-conference/\n\n\nHow UnionBank Embraces the Blockchain\n\n![unionbank-blockchain.png](https://steemitimages.com/DQmWjBkfWKToHLP8hrRyx8Aqff2qKoGQJbXKjMxgr879x9P/unionbank-blockchain.png)\n\nVisa created a cross-border payment system built on the blockchain, the Visa B2B Connect, and UnionBank will be one of the first banks to try this system. The Visa B2B Connect can transfer funds within 24 hours. This is a speed faster than the usual 3 to 5 business days using conventional channels. Another improvement is lower transaction costs.\n\n“At the start, we said we need to defend ourselves against the fintechs  that will be encroaching on our space, then it dawned on us that “Hey, this is an opportunity to enter a new market for us.” At the same time, we help the economy, we help the country.” – Mr. Edwin Bautista, President and CEO, UnionBank\n\n\nUnionBank’s The Ark\nUnionBank fully embraced the new technology with the launch of The Ark. The Ark is a bank branch that hands an iPad instead of the usual paper slips. Customers can also experience a car or a house before they can get a loan with the help of virtual reality.\n\nWith the bank’s digital pivot, it is also “retooling” its workforce by training them on things like coding. This practice will equip them to better adapt to digital banking.\n\nEmployees who are not yet ready to face the bank’s technological transformation may have to be moved to the bank’s subsidiaries.\n\n“When you look at some of the rural banks that we have been buying, a lot of that would still be face to face when we got out there in the provinces.” – Mr. Edwin Bautista, President and CEO, UnionBank\n\nUnionBanks plans to open 10 more digital banks like The Ark in the Philippines this year.\n\nsource : https://bitpinas.com/news/unionbank-embraces-blockchain/\n\n\nVisa Partners with UnionBank to Build a Blockchain-Based Payment System\n\nVisa and UnionBank announced a partnership to create a cross-border payments system built on the blockchain, the technology behind bitcoin.\n\nVisa and UnionBank announced a partnership to create a cross-border payments system built on the blockchain.\n\n![unionbank-philippines.jpg](https://steemitimages.com/DQmeV1taL4Hp4yq7noNb4QGDjrAXvr8EN8X6BWTqrRy4VuA/unionbank-philippines.jpg)\n\nIn a press conference, Visa and UnionBank announced Visa B2B Connect, a system that can facilitate cross-border payments system that runs on the blockchain, the technology behind bitcoin and other cryptocurrencies.\n\nWith the Visa B2B Connect system, transaction time will be completed in real time (or at least within 24 hours). This is significantly faster than the usual 3 – 5 days of processing in the conventional banking channels.\n\nThe Benefits of Blockchain\nBecause the data will be in the blockchain, confirmation (or authentication) of transactions will be faster. This allows the money (or payment) to be verified faster because the blockchain’s ledger will verify if transactions are correct and real. Visa Asia Pacific B2B head said in a statement:\n\nVisa B2B Connect takes on innovative approach and eliminates friction for cross-border transactions by using distributed ledger technology to enhance the speed, security and reliability if these transactions\n\nThe system will also eliminate the need for businesses to open bank accounts in each country because the banks are already dealing with each other via the Visa Network.\n\nBoth organizations announced that Visa B2B Connect will be in full operation by the 4th quarter of this year. Visa noted it plans to partner with more banks for Visa B2B Connect.\n\nB2B Connect\nVisa originally announced Visa B2B Connect during the FInTech Festival in Singapore way back in November 2017. On that event, it already announced UnionBank as one of its partners, with the other being South Korea’s Shinhan Bank and Singapore’s United Overseas Bank. American Express is also testing its own blockchain-based payments system.\n\nsource: https://bitpinas.com/news/visa-unionbank-blockchain-b2b-connect-ph/",
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