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      "body": "The company states that customers will have an account in which cryptographic and fiduciary currencies can be stored, exchanged at competitive prices and transferred through the SEPA / SWIFT services. Account holders will be able to pay all their daily needs in cryptocurrencies using a MasterCard linked to their cryptocurrency account.\n\nSaifu is a cryptographic financial institution based in the Czech Republic that will soon have its own Initial Cryptocurrency Offer (ICO). The project will use the funds raised through its ICO to implement its growth strategy and expand its range of services. Saifu aims to bring cryptocurrencies into the mainstream so that customers can securely purchase, store and use cryptographic and fiduciary currencies on a secure and regulated platform. It is already an established business, which serves customers (in Beta tests) and its ICO is designed, among other things, to facilitate an aggressive growth strategy.\n\nWhat distinguishes Saifu from other ICOs is that it is an institution that provides personal and commercial accounts with an IBAN code (international number to identify a bank account) for fiduciary and cryptocurrency currencies, exchange services, banking-level security, custody services of cryptocurrencies, electronic transfers and payment services, all through a regulated service and audited externally.\n\nThis means that customers will have an account in which cryptographic and fiduciary currencies can be stored, exchanged at competitive prices and transferred through SEPA / SWIFT. Account holders will be able to pay all their daily needs in cryptocurrencies using a MasterCard linked to their cryptocurrency account. Additional services such as corporate / corporation payroll programs in crypto-fiat currencies will also be available.\n\nAccording to the co-founder and CTO, Evgeny Vigovsky: \"Saifu has a competitive advantage that places it one step ahead of competitors such as Bankera, Revould or Monaize. In short, they can not provide enough bank security. We have partnered with Thales, possibly the world leader in banking security, to take our service to the next level. This is very exciting\".\n\nVigovsky is a veteran with 12 years of experience in Kaspersky Lab and left his last position as global head of the financial protection unit DDoS of Kaspersky to launch Saifu. For his part, CSO Alexander Legoshin has more than ten years of experience in strategic marketing and software development and has participated in several successful initiatives in all sectors. Saifu has industry-leading expertise in marketing, software development, and information technology and security.\n\n# Saifu's Token \nAs for the token that will be offered, the Saifu Token (SFU) is necessarily a loyalty program that provides discounts and symbolic rewards to users and owners. For example, all transaction fees are listed in fiat money but must be paid in SFU. This means that the initial rates for the issuance of the Saifu card, the monthly rates, the various fiduciary and crypto-trust currency exchanges and the transaction fees are also paid in SFU. To use SFU for transactions, customers will receive \"tokens back\" and calculated discounts based on the number of tokens they have and how long they have had them. According to Saifu's business model, 25% of the SFU tokens will be in the hands of the founders and the team, which will ensure that their interests are aligned with those of the token holders. Another 10% will be retained for marketing purposes and the user's reward.\n\nSaifu is running its ICO with the assistance of ICOBox, the leading global provider of SaaS services to ICO. \"We believe that Saifu is a project with a solid base,\" said ICOBox co-founder Nick Evdokimov. \"The company is ready to take users with more traditional banking habits to the world of cryptocurrencies. We expect a great ICO. \"\n\nThe ICO of Saifu began on February 19 and will run until April 11. For more information, you can go to https://ico.saifu.ai/",
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      "body": "Bitcoin fever has eased noticeably during the first two months of the year. Those $ 20,000 that we saw at the end of 2017 now seem very far away, and the best-known cryptocurrency in the world is now half as good as it was then.\n\nThe reduction in the value of bitcoin is terrible news for investors who were confident that it would continue to grow, but accompanying that decline we have also seen a positive consequence: the commissions to operate with bitcoin have fallen brutally.\n\n# Trading with bitcoin is now especially cheap\n\nIn fact, in mid-December, these commissions reached an average of $ 35, but in the following weeks they went down, and now they are below one dollar (sometimes less than a penny) per operation.\n\n![Bitcoin Fees](https://i.imgur.com/qgkVTkE.jpg)\n\nThe rise in commissions caused many of those who operated with this cryptocurrency to stop doing so because of the high cost imposed by these transactions. Steam stopped accepting payments in December because of that, and even conferences dedicated to the subject prohibited the purchase of tickets in bitcoin for the same problem. How ironic.\n\nSince then, as we say, the commissions have been falling steadily and are now at historic lows. The question, of course, is whether they will remain that way, something that would allow payments with this cryptocurrency to be activated again as an electronic payment format.\n\n# Segwit will help to improve the situation even more, but Lightning is the promise of future\nThat drop in fees could benefit from changes in the operation of bitcoin. The well-known SegWit (Segregated Witness) is a slight variation (soft fork) of the current bitcoin that some companies and entities have adopted and that allows to \"relax\" the load of the network by separating the cryptographic signatures from the data of the chain of blocks.\n\n![Image of lightning](https://i.imgur.com/tBZgJSn.png)\n\nThis improvement in the scalability of the bitcoin platform is being adopted slowly but gradually between more and more reference entities in the bitcoin world. Coinbase announced a few days ago how its preliminary tests had been satisfactory and would support this technology variation next week.\n\nThis support has been confirmed by Bitfinex, another of the major exchanges in the segment, which has also confirmed that it will begin to use it. His CTO, Paolo Ardoino, explained that thanks to this implementation \"we can offer our clients bitcoin withdrawal fees that are 20% lower, in addition to faster transaction speeds than ever before\".\nTo this change is added what many believe would be a more promising solution. It is the Lightning protocol, which establishes payment channels between users that can be linked - in Reddit, there is a lot of information about it - and that avoid possible fraud and theft.\n\nThat would increase the capacity of bitcoin, allowing that finally could be made many more transactions per second instead of the 3-4 that supports the current implementation. It is still early to know if Lightning will eventually prevail, but what seems clear is that the interest in promoting the use of bitcoin is clear.",
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