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      "body": "Congratulations @bitcoinlending! You received a personal award!\n\n<table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@bitcoinlending/birthday1.png</td><td>Happy Birthday! - You are on the Steem blockchain for 1 year!</td></tr></table>\n\n<sub>_You can view [your badges on your Steem Board](https://steemitboard.com/@bitcoinlending) and compare to others on the [Steem Ranking](https://steemitboard.com/ranking/index.php?name=bitcoinlending)_</sub>\n\n\n**Do not miss the last post from @steemitboard:**\n<table><tr><td><a href=\"https://steemit.com/steemfest/@steemitboard/steemitboard-supports-the-steemfest-travel-reimbursement-fund\"><img src=\"https://steemitimages.com/64x128/https://cdn.steemitimages.com/DQmXDHs9xfx8ZZ3DESFUqHRUQAcQT5kUWobArsRoJg2Yz1F/image.png\"></a></td><td><a href=\"https://steemit.com/steemfest/@steemitboard/steemitboard-supports-the-steemfest-travel-reimbursement-fund\">SteemitBoard supports the SteemFest⁴ Travel Reimbursement Fund.</a></td></tr></table>\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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      "title": "How to get an Anonymous Bitcoin Loan",
      "body": "<a href=\"https://btcloans.org/how-to-get-an-anonymous-bitcoin-loan/\">BTCLoans.org Article</a>\n<div><img src=\"https://i0.wp.com/btcloans.org/wp-content/uploads/2019/08/adult-bitcoin-blur-1447418.jpg?resize=800%2C445&amp;ssl=1\" /></div>\n<div>\n<div>\n<h1>Don’t want to KYC and mess with all that garbage? <a href=\"https://btcpop.co/home.php\"><strong>Btcpop </strong></a>has you covered.</h1>\n<p>You can get a Bitcoin Loan at Btcpop without having to give any personal information and identification. Skipping this whole process for Verification and all these prerequisites turned what used to often take days to just minutes!</p>\n<p>Convenience and speed matters. In today’s fast moving world we have gotten accustomed to being able to get things quickly. Convenience stores, walk in haircuts, payday loans, and a variety of other services get us what we want quickly. </p>\n<h2><img src=\"https://i0.wp.com/btcloans.org/wp-content/uploads/2019/08/easy-e1536182279139.png?zoom=0.8999999761581421&amp;resize=122%2C101&amp;ssl=1\" /></h2>\n<p>The tradeoff of course is a slightly higher price for convenience. Sure groceries cost the most at the convenience store, but it’s worth the extra $0.90 sometimes for a missing ingredient in a recipe without going to the supermarket. </p>\n<p>Btcpop gets that… Which is why it offers Anonymous<strong> Bitcoin Loans</strong> for those times you need Bitcoin quickly and without nonsense KYC verification delay. </p>\n<hr />\n<h2><strong>How to get an Anonymous Bitcoin Loan Instantly with Collateral?</strong></h2>\n<h2><img src=\"https://i2.wp.com/btcloans.org/wp-content/uploads/2019/08/pasted-image-0-10-e1536182302602.jpg?resize=400%2C285&amp;ssl=1\" /></h2>\n<p>The only way you will be able to get a truly “Anonymous Bitcoin Loan” is by using Altcoins as collateral. This feature is called a “<strong><a href=\"https://blog.btcpop.co/2017/04/28/how-to-get-your-first-bitcoin-loan/#instant-loans\">Instant Collateral Loans</a></strong>” on Btcpop. The process is very simple</p>\n<ol>\n<li><a href=\"https://btcpop.co/\">Sign up</a></li>\n<li><a href=\"https://wwwbtcpopco.helpscoutdocs.com/article/31-how-do-i-deposit-and-withdraw-btc-and-altcoins\">Deposit Accepted Altcoins</a></li>\n<li>Select Collateral and terms</li>\n<li>Get an Anonymous Bitcoin loan</li>\n</ol>\n<h4><strong>NO</strong><strong> Identification! </strong><strong>NO</strong><strong> Verification!</strong><img src=\"https://i0.wp.com/btcloans.org/wp-content/uploads/2019/08/pasted-image-0-11-e1536182321132-300x81.jpg?zoom=0.8999999761581421&amp;resize=415%2C112&amp;ssl=1\" /></h4>\n<p>All you need is an email and to <a href=\"https://btcpop.co/\">create a simple secure account at Btcpop</a> ( <a href=\"https://blog.btcpop.co/2017/04/27/signing-security-btcpop-co-account/\">highly recommend securing with 2fa</a>).</p>\n<p>Depending on what collateral you deposit ( <a href=\"https://bitcointalk.org/index.php?topic=1976349.0\">some altcoins take longer to reach required confirmations </a>) you can get your Anonymous Bitcoin Loan in minutes. </p>\n<hr />\n<h2><a href=\"https://blog.btcpop.co/2017/05/28/altcoins-are-the-best-bitcoin-loans-collateral-in-the-world/\"><strong>Altcoin Collateral</strong></a></h2>\n<h2><img src=\"https://i0.wp.com/btcloans.org/wp-content/uploads/2019/08/collat-e1536182337879.png?resize=500%2C300&amp;ssl=1\" /></h2>\n<p>Below is a table with the current forms of Collateral Btcpop accepts for Anonymous loans and how much you can borrow against that collateral. If you are not familiar with the term, collateral is simply something pledged as security for repayment of a loan, to be forfeited in the event of a default.</p>\n<p>So if for example you deposit 1 ETH, you would be able to Anonymously borrow 25% of that coins value in BTC in an Anonymous loan. At current prices (.04 Btc) <strong>you would be able to Anonymously borrow .01 BTC using that 1 ETH as collateral </strong>.</p>\n<table>\n<thead>\n<tr>\n<th><strong>Altcoin</strong></th>\n<th><strong>Percentage of Coin value you can borrow in instant loan</strong></th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><a href=\"https://www.bitcoincash.org/\"><strong>BCH</strong></a></td>\n<td><strong>25%</strong></td>\n</tr>\n<tr>\n<td><strong><a href=\"https://coinmarketcap.com/currencies/ethereum/\">ETH</a></strong></td>\n<td><strong>25%</strong></td>\n</tr>\n<tr>\n<td><strong><a href=\"https://litecoin.org/\">LTC</a></strong></td>\n<td><strong>25%</strong></td>\n</tr>\n<tr>\n<td><strong><a href=\"https://www.clamcoin.org/\">CLAM</a></strong></td>\n<td><strong>25%</strong></td>\n</tr>\n</tbody>\n</table>\n<h5>Terms</h5>\n<p>Btcpop offers set terms for non verified Anonymous loans.</p>\n<ul>\n<li><strong>30 Days</strong></li>\n<li><strong>25% APR</strong></li>\n</ul>\n<p>The 2 choices you get to choose from are:</p>\n<ol>\n<li><strong>What collateral you want to lock</strong></li>\n<li><strong>What percentage of the maximum loan you want to take.</strong></li>\n</ol>\n<p>When you select collateral, Btcpop will automatically fill in the maximum loan its willing to lend you. You then can select the % of the maximum available you wish to borrow.</p>\n<h5><a href=\"https://btcpop.co/home.php#fees-modal\"><strong>Fees</strong></a></h5>\n<p>There are 2 fees for this process</p>\n<ol>\n<li><strong>A flat 3% loan fee taken out of borrowed amount</strong></li>\n<li><strong>Interest at the 25% APR</strong></li>\n</ol>\n<p>Btcpop then calculates those terms out and gives the costs denominated in BTC as well as a total repayable amount.</p>\n<hr />\n<h2><strong>Loans against P2P Shares</strong><img src=\"https://i0.wp.com/btcloans.org/wp-content/uploads/2019/08/sharestbfb-e1536182354819.png?resize=500%2C265&amp;ssl=1\" /></h2>\n<p>Btcpop.co has the feature of <a href=\"https://blog.btcpop.co/2017/04/28/creating-p2p-stocks-with-bitcoin-at-btcpop/\">P2P Shares and IPO </a>’s. The shares can then be bought and sold on Btcpop’s exchange. These shares can also be used as collateral for Anonymous Bitcoin loans.</p>\n<p>Like <a href=\"https://www.investopedia.com/terms/a/altcoin.asp\">Altcoins </a>a set % of BTC value can be borrowed against Btcpop P2P Shares:</p>\n<table>\n<thead>\n<tr>\n<th><strong>P2P Share Ticker</strong></th>\n<th><strong>Percentage of share value you can borrow in instant loan</strong></th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>POP</td>\n<td>80%</td>\n</tr>\n<tr>\n<td>INSTA1</td>\n<td>80%</td>\n</tr>\n<tr>\n<td>BTCM</td>\n<td>75%</td>\n</tr>\n</tbody>\n</table>\n<p>Users if they choose can lock a combination of Altcoins and P2P shares as collateral for Anonymous Bitcoin loans. There is a current maximum of 2.5 BTC for Anonymous loans. Higher loans require verification and need to be borrowed P2P through a custom bitcoin loan.</p>\n<hr />\n<h2><strong>Verified Anonymous Collateral Loans<br /></strong></h2>\n<p><img src=\"https://i1.wp.com/btcloans.org/wp-content/uploads/2019/08/pasted-image-0-12-e1536182371215.jpg?zoom=0.8999999761581421&amp;resize=495%2C118&amp;ssl=1\" /></p>\n<p>If you don’t need a Anonymous Bitcoin loan Anonymously there are other options. If you <a href=\"https://blog.btcpop.co/2017/04/27/signing-security-btcpop-co-account/\">verify your Btcpop account </a>by submitting identification documents, link phone number, and get a letter in the mail. Once verified at Btcpop users are able to do a much wider variety of P2P lending. Completely <a href=\"https://blog.btcpop.co/2017/04/28/how-to-get-your-first-bitcoin-loan/\">Custom loans </a>, <a href=\"https://blog.btcpop.co/2017/05/20/btcpop-bitcoin-bonds-new-way-borrow/\">bonds </a>, and even <a href=\"https://blog.btcpop.co/2017/04/28/creating-p2p-stocks-with-bitcoin-at-btcpop/\">P2P Shares </a>. To learn more Follow the above links.</p>\n<p><strong>Once verified your Anonymous collateral loans terms are reduced to:</strong></p>\n<ul>\n<li>A flat 2% loan fee taken out of borrowed amount</li>\n<li>Interest at the 15% APR</li>\n</ul>\n</div>\n</div>",
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      "title": "Wrapped Bitcoin joins “DeFi”",
      "body": "<div><img src=\"https://i0.wp.com/btcloans.org/wp-content/uploads/2019/07/2019-07-22.png\" /><a href=\"https://www.wbtc.network/\"><strong>Wrapped Bitcoin</strong></a>&nbsp;<strong>(</strong><a href=\"https://coinmarketcap.com/currencies/wrapped-bitcoin/\"><strong>WBTC</strong></a><strong>)</strong>&nbsp;actually has the opportunity to make Bitcoin smart. Inside of Ethereum, Bitcoin is no longer slow, expensive, and boring. Its exciting and can actually be used for many things outside of speculating on its price within exchanges. Returning to its roots as a <a href=\"https://bitcoin.org/bitcoin.pdf\">programmable P2P electronic cash system</a>, WBTC might just be the new thing that brings some creativity and excitement outside of the volatile price.&nbsp;</div>\n<div>\n<div><hr />\n<h4>Joining DeFi</h4>\n<p>While WBTC has been around for awhile its adoption and usage so far has been somewhat limited. However, with&nbsp;<a href=\"https://compound.finance/\"><strong>Compound Finance</strong></a>s addition of WBTC to its platform, I can now officially say Bitcoin has joined DeFi.&nbsp;</p>\n<ul>\n<li>\n<img src=\"https://i2.wp.com/btcloans.org/wp-content/uploads/2019/07/pasted-image-0-2.png?fit=800%2C541&amp;ssl=1\" />\n</li>\n</ul>\n<p>Users from around the world can now&nbsp;<strong>borrow and lend Bitcoin</strong>&nbsp;trustless-ly and instantly online with just an&nbsp;<a href=\"https://www.myetherwallet.com/\">Ethereum wallet</a>, and a little know how.&nbsp;<br />✔ No sign ups&nbsp;<br />✔ No KYC*<br />✔ No permission.</p>\n<hr />\n<h4><strong>What is Wrapped BTC?</strong></h4>\n<p>In short, WBTC is just an&nbsp;<a href=\"https://en.wikipedia.org/wiki/IOU\">IOU</a>&nbsp;for a Bitcoin from reputable custodians. Some view this as very anti-crypto and hypocritical as it brings trust back into finance. But, that hasnt stopped thousands if not millions of users from storing their coins on centralized exchanges which, essentially, offer them IOUs as well.&nbsp;</p>\n<img src=\"https://i2.wp.com/btcloans.org/wp-content/uploads/2019/07/pasted-image-0-1.png?resize=800%2C434&amp;ssl=1\" />\n<p>At least with WBTC as an&nbsp;<a href=\"https://www.investopedia.com/news/what-erc20-and-what-does-it-mean-ethereum/\">ERC20 token</a>&nbsp;IOU, the underlying value can be moved around and enabled to participate in the very exciting DeFi space dominated by Ethereum.&nbsp;&nbsp;</p>\n<hr />\n<h3><strong>What is a DeFi?</strong></h3>\n<p><strong>DeFi</strong> is an abbreviation for&nbsp;&nbsp;<a href=\"https://blockonomi.com/what-is-decentralized-finance-defi/\">Decentralized Finance</a>&nbsp; industry. Rapidly expanding as the next Ethereum Killer App. The origin of this movement comes from&nbsp;<a href=\"https://makerdao.com/\">MakerDAO</a>s revolutionary USD based&nbsp;<a href=\"https://coinmarketcap.com/currencies/dai/\">stablecoin<strong>&nbsp;DAI</strong></a>&nbsp;and the mechanism behind it.&nbsp;</p>\n<p>DAI is effectively $1.5 worth of&nbsp;<strong>ETH wrapped</strong>&nbsp;in a smart contract that is traded and acts like $1. With a decentralized stablecoin,&nbsp;<a href=\"https://en.bitcoinwiki.org/wiki/DEXes\">DEXs (Decentralized Exchanges)</a>&nbsp;finally have the tool they were missing compared to centralized exchanges.&nbsp;</p>\n<img src=\"https://i1.wp.com/btcloans.org/wp-content/uploads/2019/07/pasted-image-0-2-1.png?resize=800%2C455&amp;ssl=1\" />\n<p>Building on the idea of a trustless decentralized stablecoin a cambrian explosion of financial services and tools has happened in the ETH space.&nbsp;</p>\n<p><strong>✔</strong>&nbsp;Trustless loans&nbsp;<br /><strong>✔</strong>&nbsp;Savings accounts<br /><strong>✔</strong>&nbsp;Margin lending<br /><strong>✔</strong>&nbsp;Algorithmic tokens<br /> and more have begun re-inventing the financial world within the&nbsp;<strong>ETH platform</strong>.&nbsp;</p>\n<p>✘&nbsp;Savings accounts<br />✘&nbsp;Central banking<br />✘&nbsp;Lending<br />✘&nbsp;Trading..&nbsp;<br /> and what seems like almost every other financial activity is not possible on Ethereum.&nbsp;</p>\n<hr />\n<h3><strong>Bitcoin joining the party</strong></h3>\n<p>While DeFi has experienced explosive growth over the last couple years and has lots of promise on its own, the addition of Bitcoin and the Bitcoin ecosystem is an exciting addition that could expand the ETH dominated industry further into the cryptoverse and beyond.&nbsp;</p>\n<p>It will be exciting to watch and see how the addition of Bitcoin effects and or grows Defi. I can safely say regardless of WBTCs success, DeFi is just getting started and with or without Bitcoin it will succeed. Bitcoin could just make it better and faster.&nbsp;</p>\n</div>\n</div>",
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      "permlink": "bitcoin-loans-growing-in-the-bear-market",
      "title": "Bitcoin Loans: Growing in the Bear Market",
      "body": "<div><img src=\"https://cdn-images-1.medium.com/max/800/0*g7H6WXJoGczUZbLA\" />\n<p>Cryptocurrencies dramatic market boom and bust has been hard on cryptocurrency businesses. Market sentiment is not the only thing down in the dumps, <a href=\"https://www.newsbtc.com/2019/02/05/crypto-exchange-volumes-drop-to-lowest-levels-for-over-a-year/\" rel=\"external noopener noreferrer\" data-wpel-link=\"external\">exchange volume</a>, payment usage, and overall new users coming into the space are down as well.</p>\n<p>But, there is one industry that is still growing, if not growing faster, and that is Bitcoin Loans. Bitcoin loans have proven to move independent of price, as it serves both sides. Those pessimistic about the price have borrowed and shorted Bitcoin. And those optimistic, borrow against their Bitcoin instead of outright selling. “<a href=\"https://en.wikipedia.org/wiki/Hodl\" rel=\"external noopener noreferrer\" data-wpel-link=\"external\">Hodling</a>” until the price increases again.</p>\n<p>While the lending has been done using primarily Bitcoin, the loans are denominated in dollars. Companies that offer these cryptocurrency backed USD loans such as <a href=\"https://blockfi.com/\" rel=\"external noopener noreferrer\" data-wpel-link=\"external\">BlockFi</a> are thriving in this cryptocurrency bear market. <a href=\"https://saltlending.com/\" rel=\"external noopener noreferrer\" data-wpel-link=\"external\">Salt Lending</a>, which already employs 80 people, is hiring more every month as its revenue inches higher.</p>\n<h2>From “Hodling” to Shorting</h2>\n<p>What started as a way to get some cash without <a href=\"https://www.bloomberg.com/news/articles/2017-12-14/bitcoin-s-new-barons-no-longer-have-to-sell-to-live-in-luxury\" rel=\"external noopener noreferrer\" data-wpel-link=\"external\">without having to sell</a> and miss out on potential gains for enthusiasts “hodling”, has also turned into a <a href=\"https://www.investopedia.com/terms/s/shortselling.asp\" rel=\"external noopener noreferrer\" data-wpel-link=\"external\">shorting</a> mechanism. Shorting works by depositing USD, borrowing cryptocurrency, selling the borrowed crypto, then later buying back at a lower price to pay back the original loan. With the combination of holders and shorters, lending platforms find themselves with twice as many customers and a continuously growing demand for their services.</p>\n<p><a href=\"https://genesiscap.co/\" rel=\"external noopener noreferrer\" data-wpel-link=\"external\">Genesis Capital</a>, a US based lending company focused institutional investors borrow virtual coins by depositing U.S. dollars, has also reported increased demand for its services. Institutional investors using this service are regularly depositing 7 figure USD sums to borrow cryptocurrency for shorting or other purposes.</p>\n<p><img src=\"https://cdn-images-1.medium.com/max/800/0*HtbCGCCSWvstR-Is\" /></p>\n<h2><strong>New type of Margin lending</strong></h2>\n<p>It is no secret there are many speculators in the cryptocurrency space. You could even argue that the whole space is speculatory and relatively few fundamentals or actual use cases for the currencies exists at all. But, regardless if its useful or not, 1 things speculators demand is leverage. I mean why not? If you are investing in a highly speculative asset with extreme volatility, why not leverage your bet and “go big or go home”.</p>\n<p>Most margin lending happens and historically happened on cryptocurrency exchanges. But, wanting to get a piece of the action lending companies saw a huge opportunity with <a href=\"https://btcloans.org/cryptocurrency-backed-fiat-loans/\" data-wpel-link=\"internal\">cryptocurrency backed USD loans</a> and they took it.</p>\n<p>While its branded differently and not done on exchanges, crypto backed loans from <a href=\"https://nexo.io/\" rel=\"external noopener noreferrer\" data-wpel-link=\"external\">Nexo</a>, <a href=\"https://blockfi.com/\" rel=\"external noopener noreferrer\" data-wpel-link=\"external\">Blockfi</a>, <a href=\"https://saltlending.com/\" rel=\"external noopener noreferrer\" data-wpel-link=\"external\">Salt</a>, and <a href=\"https://btcloans.org/bitcoin-lending-services-list/\" data-wpel-link=\"internal\">other lending platforms</a> are essentially <a href=\"https://btcloans.org/top-margin-lending-sites/\" data-wpel-link=\"internal\">margin loans</a>. As if you read the fine print, if your cryptocurrency holdings fall below a minimum collateral percentage, they will be sold to pay off debt before the loan goes underwater. This is essentially the equivalent of being margin called on an exchange. This ability to liquidate under-collateralized loans greatly reduces risk for lenders and enables them to offer very competitive interest rates for these loans.</p>\n<p>Responsible borrowers benefit as well, getting low rates and lots of flexibility. However, for some borrowers who push their holdings too far or don’t pay attention to prices, they can be liquidated during down markets and effectively sell the bottom and incur liquidation fees.</p>\n<h3><strong>What about Bitcoin Loans?</strong></h3>\n<p>While USD denominated loans backed by crypto have thrived, Bitcoin denominated loans haven’t quite followed the trend. Volume on popular P2P Bitcoin Lending platform <a href=\"https://btcpop.co/\" rel=\"external noopener noreferrer\" data-wpel-link=\"external\">Btcpop.co</a> has been reported down in the bear market. It turns out extreme volatility on the way up and down isn’t necessarily good currency for pricing your loan in. This is relatively expected in such a new market, but it has spurred Btcpop to <a href=\"https://trello.com/b/kYA7qoOm/btcpop-public-trello\" rel=\"external noopener noreferrer\" data-wpel-link=\"external\">plan for USD based P2P stablecoin loans in the future</a>.</p>\n<p>Other Bitcoin lending platforms such as <a href=\"https://www.bitbond.com/\" rel=\"external noopener noreferrer\" data-wpel-link=\"external\">Bitbond</a> seem to have moved away from Bitcoin completely during this time. Only offering Bitcoin to be used as a payment method, but not necessarily used as a currency for loans on their platform though last time checked it was still a rarely used option.</p>\n<h2><strong>Bright future for Cryptocurrency Based Lending</strong></h2>\n<p>Cryptocurrency based lending’s resilience and continued strong growth through both bull and bear markets shows strong staying power in the industry. This strength will likely attract continued investment and development of services in the space. As investors likely desire a uncorrelated investment in crypto, which grows regardless of price volatility. Cryptocurrencies as well, have proven to be a <a href=\"https://blog.btcpop.co/2017/05/28/altcoins-are-the-best-bitcoin-loans-collateral-in-the-world/\" rel=\"external noopener noreferrer\" data-wpel-link=\"external\">very good source of collateral</a> for USD based loans and reduce the overall loan risk to almost zero.</p>\n<p>As the industry and cryptocurrencies develop. It will be exciting to see the emergent growth of cryptocurrency denominated loans as volatility decreases. USD loans are fun, but the <a href=\"https://btcloans.org/\" data-wpel-link=\"internal\">Btcloans.org</a> is excited for the take-off of cryptocurrency based loans, even if they are a in a crypto stablecoin form such as <a href=\"https://makerdao.com/\" rel=\"external noopener noreferrer\" data-wpel-link=\"external\">MakerDAO</a>’s <a href=\"https://coinmarketcap.com/currencies/dai/\" rel=\"external noopener noreferrer\" data-wpel-link=\"external\">DAI</a>decentralized stablecoin.</p>\n</div>\n<p>This document has been composed with the free HTML edior which can be accessed <a href=\"https://htmleditor.tools/\" target=\"_blank\" rel=\"noopener\">here</a>. Use it every time for document editing.</p>",
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      "parent_permlink": "cryptocurrency",
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      "permlink": "stablecoins-cryptocurrencies-with-fixed-prices",
      "title": "Stablecoins: Cryptocurrencies with fixed prices.",
      "body": "<html>\n<p><img src=\"http://35.237.246.6/wp-content/uploads/2019/01/Untitled-drawing-1-1.png\"/><img src=\"https://i1.wp.com/35.237.246.6/wp-content/uploads/2019/01/Untitled-drawing-1-1.png?resize=768%2C412\" width=\"768\" height=\"412\"/></p>\n<h1>What are&nbsp;<a href=\"https://www.google.com/url?q=https://en.wikipedia.org/wiki/Stablecoin&amp;sa=D&amp;ust=1548692948484000\">Stablecoins</a>?</h1>\n<p>Most cryptocurrencies’ value or price are determined by the supply and demand and trade freely on exchanges to find a market price. This pricing freedom combined with the speculative nature of pricing a brand new asset class makes cryptocurrency &nbsp;a very volatile asset class. With limited and expensive on and off ramps in and out of cryptocurrency, the market came up with a solution to store value volatility free within the&nbsp;<a href=\"https://www.google.com/url?q=https://hackernoon.com/blockchain-ecosystem-explained-in-one-chart-68bdc5e18335&amp;sa=D&amp;ust=1548692948484000\">blockchain ecosystem</a>, stablecoins.</p>\n<p><img src=\"https://i0.wp.com/35.237.246.6/wp-content/uploads/2019/01/pasted-image-0-6.png?resize=768%2C432\" width=\"768\" height=\"432\"/></p>\n<h1><br></h1>\n<p>Stablecoins are cryptocurrency tokens whose price remain stable (usually fixed to a fiat currency like USD). Nearly all stablecoins today are<a href=\"https://www.google.com/url?q=https://eidoo.io/erc20-tokens-list/&amp;sa=D&amp;ust=1548692948485000\">ERC20 tokens</a>&nbsp;on the&nbsp;<a href=\"https://www.google.com/url?q=https://www.ethereum.org/&amp;sa=D&amp;ust=1548692948485000\">Ethereum blockchain</a>, but the original and most controversial stablecoin tether is also a BTC&nbsp;<a href=\"https://www.google.com/url?q=https://en.bitcoinwiki.org/wiki/Omni_Layer&amp;sa=D&amp;ust=1548692948486000\">omni protocol token</a>. &nbsp;These tokens are used by traders on exchanges to store stable fiat currency in a liquid cryptocurrency form on and off exchanges.</p>\n<h1>Why are they important?</h1>\n<p>Cryptocurrencies are fantastic technology giving freedom and financial sovereignty back to the individual. However, as of now they are still to volatile to be used effectively for pricing, loans, or any store of value in stable non-speculative way.This is why stablecoins are so important, they allow the good parts of cryptocurrency (programmability, unseizability, decentralization) without the volatility. This means for example a decentralized betting app can allow users to place wagers on long term bets in dollars instead of volatile cryptocurrencies.It is also important for taxes, as if you sell your cryptocurrency for fiat it is a taxable event. This arguably applies to stablecoins as well, but if you are using a decentralized stablecoin such as&nbsp;<a href=\"https://www.google.com/url?q=https://coinmarketcap.com/currencies/dai/&amp;sa=D&amp;ust=1548692948487000\">DAI</a>, that argument becomes a bit more tricky.This is of course&nbsp;<strong>not a financial advice</strong>, it would be best to consult with a CPA or someone who knows the laws regarding this matter before taking any action.</p>\n<h1>How Stablecoins work?</h1>\n<p>There are<strong>&nbsp;3 ways</strong>&nbsp;to develop a cryptocurrency with a stable price:</p>\n<ol>\n  <li>Fiat-collateralized</li>\n  <li>Crypto-collateralized</li>\n  <li>Algorithmic based&nbsp;(scam!)</li>\n</ol>\n<h2>1.&nbsp;Fiat-collateralized</h2>\n<p>Is the least complicated system of stablecoin to implement. It’s fairly easy to understand. If you deposit any amount of fiat currency,&nbsp;<em>(e.g. US Dollar, EUR,)</em>&nbsp;to a third party, the third party will then issue/create a stablecoin unit equal to the amount of fiat currency you deposit. For cash outs, the third party burns the same amount of stablecoin units for every unit of fiat currency you withdraw. Some fiat-collateralized structure examples are,&nbsp;<a href=\"https://www.google.com/url?q=https://tether.to/&amp;sa=D&amp;ust=1548692948489000\">Tether</a>,&nbsp;<a href=\"https://www.google.com/url?q=https://www.trueusd.com/&amp;sa=D&amp;ust=1548692948490000\">TrueUSD</a>,&nbsp;<a href=\"https://www.google.com/url?q=https://coinmarketcap.com/currencies/usd-coin/&amp;sa=D&amp;ust=1548692948490000\">USDC</a>,&nbsp;<a href=\"https://www.google.com/url?q=https://www.gusd.net/&amp;sa=D&amp;ust=1548692948490000\">GUSD</a>, and&nbsp;<a href=\"https://www.google.com/url?q=https://coinmarketcap.com/currencies/paxos-standard-token/&amp;sa=D&amp;ust=1548692948490000\">PAX</a>.<strong>Pros:</strong></p>\n<ul>\n  <li>Easy to grasp and conceptualize.</li>\n  <li>Value or price will match USD or other fiat currency with certainty, if properly implemented (digitized dollars without capital controls)</li>\n</ul>\n<p><strong>Cons:</strong></p>\n<ul>\n  <li>Trusting a third-party to hold your fiat collateral</li>\n  <li>Another third-party is needed to audit and verify to make sure that the number of Stablecoins issued matches the the number of deposits.</li>\n  <li>Third party audits are slow and expensive.</li>\n</ul>\n<p>The success of fiat-collateralized stablecoins relies on third-parties. So a third-party has to be really transparent, because, they’re responsible for custody and issuance, and auditing. This is where&nbsp;<a href=\"https://www.google.com/url?q=https://en.wikipedia.org/wiki/Tether_(cryptocurrency)&amp;sa=D&amp;ust=1548692948492000\">Tether.to</a>&nbsp;became controversial as the USDT token grew dramatically in supply and stopped releasing audit reports.</p>\n<h2>2.&nbsp;Crypto-collateralized</h2>\n<p>Crypto-collateralized stablecoins are a much more interesting project. The tokens act much the same, but in the backend they are much more complicated than just holding a USD in a bank account. Crypto collateralized assets rely on&nbsp;<a href=\"https://www.google.com/url?q=https://www.investopedia.com/terms/o/overcollateralization.asp&amp;sa=D&amp;ust=1548692948493000\">overcollateralization&nbsp;</a>of cryptocurrencies to keep their peg. The 2 main examples are done using transparent smart contracts “on-chain” which eliminates the need for third parties and keeps the stablecoin quite decentralized.The concern with this method, however, is that cryptocurrency is a highly volatile asset. To reduce the high risk and to have some security against significant drops in crypto prices, the collateral ratios are higher than your typical margin lending ratio. Crypto-collateralized offerings usually have a 2:1 ratio, sometimes even greater to account for volatility. &nbsp;2 examples of these are&nbsp;<a href=\"https://www.google.com/url?q=https://bitshares.org/&amp;sa=D&amp;ust=1548692948494000\">Bitshares Smart Assets’</a>&nbsp;(<a href=\"https://www.google.com/url?q=https://coinmarketcap.com/currencies/bitusd/&amp;sa=D&amp;ust=1548692948494000\">bitUSD</a>,&nbsp;<a href=\"https://www.google.com/url?q=https://coinmarketcap.com/currencies/bitcny/&amp;sa=D&amp;ust=1548692948495000\">bitCNY</a>), and&nbsp;<a href=\"https://www.google.com/url?q=https://makerdao.com/&amp;sa=D&amp;ust=1548692948495000\">MakerDAO</a>’s (<a href=\"https://www.google.com/url?q=https://coinmarketcap.com/currencies/erc20/&amp;sa=D&amp;ust=1548692948495000\">ERC20</a> <a href=\"https://www.google.com/url?q=https://coinmarketcap.com/currencies/dai/&amp;sa=D&amp;ust=1548692948495000\">DAI token</a>.)</p>\n<p><strong>Pros:</strong></p>\n<ul>\n  <li>Eliminates third parties. No need to give custody and trust on a third party and relying on another to audit.</li>\n  <li>Issuing and burning stable coin units are way faster, cheaper, and better liquidity because of the ability to conduct on-chain.</li>\n</ul>\n<p><strong>Cons:</strong></p>\n<ul>\n  <li>Not capital efficient</li>\n  <li>Complex selection process if a basket of cryptocurrencies; questionable price stability/security if just one cryptocurrency</li>\n</ul>\n<h2>3. Decentralized Stablecoins</h2>\n<p><img src=\"https://i1.wp.com/35.237.246.6/wp-content/uploads/2019/01/dai-lock.jpg?resize=768%2C431\" width=\"768\" height=\"431\"/></p>\n<p>Decentralized Stablecoins paved the way for everyday adoption. Many crypto enthusiast, especially the OG’s (old guys) have become accustomed to the volatility and difficulty pricing cryptocurrencies. But, for new users it can be very complicated how a coffee costs .012 BTC one day, .008 the next, and .0183 the next after that. For those that support the P2P money movement, but also are not speculators or very knowledgeable, stablecoins are a great solution. Quick, easy, cheap, P2P payments denominated in a familiar currency are a much easier way to get introduced to the cryptocurrency space as opposed to complicated, slow, expensive BTC transactions of old.And for decentralized stablecoins like DAI and&nbsp;<a href=\"https://www.google.com/url?q=https://coinmarketcap.com/currencies/bitusd/&amp;sa=D&amp;ust=1548692948498000\">bitUSD</a>&nbsp;the value is still captured in ETH, and&nbsp;<a href=\"https://www.google.com/url?q=https://bitshares.org/&amp;sa=D&amp;ust=1548692948498000\">BTS</a>&nbsp;blockchains driving the cryptocurrency value up. Each DAI for example at the time of writing is backed by $3 worth of ETH. So that $3 worth of ETH is not for sale and taken out of supply in the supply/demand function of price. While stablecoins still have to deal with volatility on the backend through liquidation of undercollateralized tokens, that can be done by savvy crypto users. So the new crypto user with the decentralized stablecoin retains the easy user friendly experience on the front end.&nbsp;</p>\n</html>",
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