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      "body": "One of the most interesting applications of cryptocurrencies will be decentralizing the travel domain. \n\nImagine you can pay anyone, anywhere in the same currency! This again derives from the cross-border, universal nature of cryptocurrencies, doing away with all of the foreign exchange hassles. \n\nA young lady recently made news for her newfound ambition – tour the world and pay only with cryptocurrencies. Jaide Barclay decided to visit 13 cities across 6 countries in March 2019, and blogged about it here. There isn’t an update on how well the tour ended, but she did talk about having to wheel her suitcase from the station to her hotel – cabs don’t accept crypto yet.\n\nTravelers love to enjoy trends, from homestays and eco-tourism to becoming digital nomads. Crypto tourism could be the next fad, once essential services open up to accepting crypto. But the industry’s response is both hot and cold. Expedia began accepting bitcoin in 2014 and then backed out sometime in 2018 due to high volatility of the currency. On the other hand, many projects are trying to utilize blockchain to make things more efficient, secure and coordinated.\n\nBlockchain has several use cases for the travel industry – for loyalty programs that can be used across services, less commissions or exchange fees, tracking of baggage, and the ability to pay with a single cryptocurrency. The elimination of intermediaries like OTAs will be a big plus as well.\n\nCrypto-friendly cities can thus be heard of attracting tourists. The Bitcoin city in Slovenia, Malaccha in Malaysia are meant for global tourists and shoppers. New York, London and Singapore too are in the list of being crypto friendly.\nIn Australia, Agnes Water is the latest to join the small list places that advertise crypto as their main attraction. \n\nA small place on the eastern coast of Australia, this place has 40-50 merchants accepting major cryptocurrencies like Litecoin, Bitcoin and Ether. To avoid volatility related issues, the payment is immediately converted into fiat. In Australia, thousands of crypto transactions have been recorded at shops, and on one day, as many as 15 in a month, as reported by Blockcrypto.com.\n\nTourists can now book flights in crypto at some airports, and some duty free shops accept crypto as well. Singapore Airlines has launched KrisPay wallet that converts miles flown into crypto, which can be spent at 18 outlets, as per a report.\n\nOne application of blockchain in tourism will be identity management. A travel’s data and passport information can be tracked across the sojourn, and thus reduce waiting times for paper work or talking to officials. In operations, blockchain will assist with group bookings and managing supply chains.\n\nA recent article in Forbes by David Petersson describes the current state of blockchain projects, with over 70% still without workings products. The article considers travel and tourism as one of the best places to watch for blockchain to rise again.",
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      "body": "![bitcoin-greed.jpg](https://cdn.steemitimages.com/DQmT3mnHvtsRnzcMAQ6jQAWvohssUpwZttC2pVPNR8AC96u/bitcoin-greed.jpg)\n\nA major part of the world woke up to Bitcoin and Cryptocurrencies only after the meteoric surge in the price of bitcoin in December 2017. It is now equated with gold, and like gold, cryptocurrencies bring along their shadow portion, greed.\n\nThe year 2018 could be called the Year of the ICOs. Billions were raised from the poorest to the richest to fund projects that were simply a few pages of whitepapers containing dreams, wishes and revolutions.\n\n*It is not hard to figure out that a 'revolution' isn't what these businesses really want, but their million dollars.*\n\nBehind the crypto ICOs, trading and projects is a businessman - and a businessman just wants to do business. Always.\n\nMeanwhile, hacker were busy doing their work. This year has brought some sanity to the moon and lambo seekers, hopefully. The thing about bullish sentiments is that nothing, no amount of realistic thought, dents their frame of mind. \n\nThis can be witnessed in Telegram groups of these projects. It’s like a carnival. A carnival of fools.\n\nAn interesting article in Steemit talks a little more about the situation:\n\nhttps://steemit.com/bitcoin/@restmode/greed-is-crippling-cryptocurrency",
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      "body": "The moment a cross-border currency is introduces, the first legal use case that comes to mind is the huge remittance market. Currently dominated by countries like Mexico, China and India, this market is worth over $500 billion a year, and today, crypto transfers constitute around 15% of all transactions.\n\nVenezuela, which has shot its economy in the foot, has just announced a welcome news – its very own crypto remittance platform – Patria Remesa - is now live. This will allow Venezuelans to transact with Bitcoin and Litecoin, with a few terms and conditions. They must exchange crypto with Bolivars or Petros. The digital Patria Teresa will have a regulator, and there will be KYC and AML conducted. Fxstreet.com notes that this will be a centralized network.\n\nThe stats on the remittance market are available from World Bank. The year 2017 saw transfers from the US of around $148 billion, part of the overall $689 billion remittance market. The top most countries here Mexico, China, India, the Philippines and Vietnam. There are 244 million migrants who live and work in other countries and rely on money transfer services.\n\nFor blockchain and crypto, remittance is indeed a very genuine application deriving from the very nature of cryptocurrencies. There are hardly any transfer charges going beyond a few cents, even while transferring millions of dollars. Like Ripple (XRP) recently transferred $50 million in 3 seconds with just a few cents. XRP is supposed to be popular for money transfers like these, and has recently joined hands with Moneygram.\n\nMoney transfer services like Paypal, Moneygram, or Western Union, and bank wires and postal transfers constitute the bulk of transactions. Also available are online checks and the good, old letter envelope. Money transfer agents however are known to charge anywhere between 10-20%, usually in the upper bracket. This is a substantial fee to pay for low income workers and expats. \n\nEliminating the middleman is the golden promise of cryptocurrencies like Bitcoin. And the remittance market is the best illustration of what can be done. But the current adoption rate, as per a survey by Clover, shows only about 15% use crypto. Some of the major hurdles are technicalities and the feat that the recipient wouldn’t understand crypto management.\n\nThe crypto remittance services are in operation, like centbee in South Africa, or the Noah Coin in the Philippines. The latter’s site tells us their vision: “For millions of migrants the blockchain opens new opportunities to deliver financial support to their families.” And their plans: “The Noah Project plans to use cryptocurrency to help citizens of developing nations working abroad finance infrastructure and economic growth back home.”\n\nFor India, the impending ban on cryptocurrencies will also mean a direct impact on the huge amount of remittances sent by expat Indians. Interestingly, there is a cryptocurrency called Rupee (RUP) floated in 2017 for catering to this market apart from other uses. The fate of RUP, and whether it is genuine or just a shady project, is unclear.\n\nThe big players however certainly are eyeing the global payment and money transfer market. Facebook and Whatsapp have above 1 billion customers, around 20% of the world’s population. Samsung too has a good user base for its crypto wallets, which are now part of some of its models.\n\nAs per Marketwatch, the crypto / digital remittance market could reach above $8 billion by 2025, a rather small portion of the overall size. If regulations turn favorable, this projection could be exceeded by several times.\n\n\nPhoto by Christine Roy on Unsplash",
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      "body": "Harmony is the world’s first fully sharded, proof-of-stake blockchain.\n\nSo what’s sharding, and why is Harmony needed today? The reasons are to be sought in the state of blockchains today and what the real world requires from an ideal blockchain.\n\nUltra High Speeds with True Decentralization for Real World Use\n\nThe biggest stumbling block with Bitcoin or Ethereum and other blockchains is their slow speed. The number of transactions they can perform lies between 7-15 per second. Several new blockchains like EOS or IOTA have attempted to increase transaction rates so as to make blockchain suitable for gaming, decentralized exchanges or real world fintech applications. These innovations however either compromise on security or decentralization.\n\nHarmony is based on sharding and a balanced between speed and fair consensus for achieving the best results for real world use cases. With sharding, the computational load on the database is divided into smaller chunks of validators. The Mainnet will thus be able to deliver an unprecedented 118,000 TPS with scalability and security, which will equip it to handle real world operations in fintech and other industries.\nThe Harmony Mainnet was launched on June 28, 2019 on the world’s first, fully sharded blockchain. With 600 nodes, it figured among the top 15 networks. \n\nThe PANGAEA Testnet Success\n\nHarmony achieved global popularity after it rolled out the PANGAEA game on its testnet. Over 1,800 users signed up across 84 countries to play, test and have fun. It affirmed the power of true decentralization by validators around the world. The results of the incentivized game will go into the fine tuning of the Mainnet.\n\nMain Harmony Features\n\n•\tFully scalable: Processing and record keeping divided into shards for full scalability\n•\tSecured sharding with distributed randomness \n•\tLinear scaling and multiple layers for security\n•\tEfficient, energy saving POS consensus mechanism\n•\tSmall stake holders can participate with adjustable staking\n•\tEach new shard offers 10x more transactions\n\nEqualizing the Staking Field with Effective Proof of Staking\n\nNodes in a blockchain perform the core function of generating blocks and thus approving transactions. They get rewarded for this work with coins or tokens, and the number depends on how much they have staked. The high stakers are included in a Committee in proof of stake (POS) blockchains like Ethereum. This committee has the right to produce and validate blocks. In some blockchains like EOS, the number of members is fixed (21 for EOS).\n\nSince centralization goes against the nature of blockchain, the way the committee validators get selected is important. In Polkadot, the highest staker or bidder gets in. In Ethereum 2.0, there is random selection. In EOS or Tron, votes from toke holders decide the validators.\n\nHarmony has introduced the Effective Proof of Stake (EPOS) concept. It combines the highest bidding model with a formula to calculate the “effective” stake – this formula decreases the influence of high ranked validators, while it increases the weight of low ranked validators, thus equalizing the playing field in a way.\n\nTruly Decentralized with 30% External Nodes\n\nHarmony recently invited the public to join its Mainnet. The Harmony Mainnet, after a recent upgrade, now has 800 nodes, of which 208 (about 26%) are external nodes. The aim is to have 30% external nodes to make Harmony decentralized and not needing permissions. The daily block reward stands at one million ONE tokens distributed across the nodes.\n\nThe Phase 1 of Harmony is live. As per the plan, the Phase 2 of Harmony will see 400 nodes with 4 shards (1,600 nodes), followed by a 6-shard mainnet. This will have external nodes forming a majority. To run further upgrades, the Harmony chain can be updated without going through a fork. This is called rolling network update.\nReal World Use Cases for Harmony\n\nUse Cases\n\nGiven the speed and reliability of Harmony, we can envisage a number of areas where it could be deployed:\n•\tRetail payment processing\n•\tRunning an entire shopping region (upcoming Bitcoin cities of Arnhem or Malacca in Malaysia)\n•\tScientific projects, where both speed and security are important\n•\t Micro-tasking platforms for training machines and AI – thousands of workers work here\n•\tE-commerce stores to handle heavy transaction volumes\n\nTo conclude, Harmony is thus aiming to create an open infrastructure that is “a revolutionary high-throughput, low-latency, and low-fee consensus platform designed to power decentralized economies of the future.”",
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