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      "body": "Congratulations @coinocean! You received a personal award!\n\n<table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@coinocean/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/@coinocean) and compare to others on the [Steem Ranking](https://steemitboard.com/ranking/index.php?name=coinocean)_</sub>\n\n\n**Do not miss the last post from @steemitboard:**\n<table><tr><td><a href=\"https://steemit.com/steemitboard/@steemitboard/use-your-witness-votes-and-get-the-community-badge\"><img src=\"https://steemitimages.com/64x128/https://cdn.steemitimages.com/DQmTugCUsoXX762vg1CuHRrpnPbfnjPogp8iCGv7F2kSVuj/image.png\"></a></td><td><a href=\"https://steemit.com/steemitboard/@steemitboard/use-your-witness-votes-and-get-the-community-badge\">Use your witness votes and get the Community Badge</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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      "body": "Awesome! Nice post coinocean<br><br>Your article is well written, and I will continue to pay attention to you.<br>I want to ask you how to do this steemit? <br><br>What do you do to make your steemit get such a high income? <br>Sincerely ask for you, thank you!<br><br>If u want check my article about Chocolate Fondue - Easy Microwave Method <br>You can find the article here <a href=\"http://bit.ly/2DqlRZd\n\" >Chocolate Fondue - Easy Microwave Method</a><br><br>I will follow you coinocean<br>",
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      "body": "![](https://steemitimages.com/DQmUG2H2piCXFfhnuQKTvQR12L7DJrpw3F2foBeBJnB7gPY/image.png)\n\nAfter  initially   banning    digital  currency   exchanges   and   launching   a   campaign  against   cryptocurrencies,   Western Union(WU)   has   confirmed that   it   is   currently   testing   Ripple   technology   for   money   transfers, particularly   those   across   international   orders.   Testing   for   capital   optimization   is   also   on   their   menu.  The financial   services   &   communications   company   has   its   headquarters   in   Colorado.   The   firm   was   established in   1851   and   is   currently   headed   by   its   Chief   Executive   Officer (CEO),   Hikmet Ersek.\n \nAccording to the CEO Brad Garlinghouse, Ripple’s technology enables money transactions that are “a thousand times faster and a thousand times cheaper than Bitcoin’s.”Because of this reason WU has chosen ripple to test for money exchanges.\n \n“We are looking especially in the processing settlement and working capital optimization, also in the regulation part, on the compliance part on the blockchain capabilities,” says Hikmet Ersek, Western Union’s Chief Executive Officer. Notably, WU is also testing with the XRP cryptocurrency and not just the blockchain technology.\n \nRipple as a Cryptocurrency :\n\nIf a partnership strikes between WU and ripple, it will provide a major boost to the cryptocurrency’s value, which is currently hovering around $1 after enjoying highs of nearly $4 early January.\n \nMany banks today already use Ripple’s blockchain i.e. xCurrent. But its product, xRapid, hasn’t received similar popularity. Even so, Garlinghouse has continually claimed that banks will soon adopt the cryptocurrency as a “strategic weapon.” Western Union may soon go for a pilot implementation of xRapid.",
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      "body": "![](https://steemitimages.com/DQmTwa9C6dwE7cmEbaLfNoucB1XGUZG6aAKietifQy8b5Ls/image.png)\n\nRussia is planning to develop a system to guarantee investments in initial coin offerings (ICOs). Development  of  the  guarantee  system,  commonly  known as  the  ICO-hub,  is  being  undertaken  by  a  Bank  called  Globex,  a  platform  called  CrowdHub,  RACIB  –  Russian  Association  of  Cryptocurrency  and  Blockchain,  a  subsidiary  of  Vnesheconombank  (VEB),  bank  owned  by  the  state.\n\nOnce  operational,  companies starting their ICO will have to register  on  the  Crowdhub  website  and  create  an  escrow  account  through  Globex  in  order  to  get  a  digital-wallet. In  the  same  way,  investors  who  want  to  finance  ICOs  will  be  expected  to  register  on  Crowdhub  and  their  funds  will  be  placed  in  the  ICO’s  escrow  account  in  Globex  bank. Then,  RACIB  will  recommend  the  ICO  hub  to  its  participants  to  enable  them  raise  funds.\n\nICO Monitoring :\n\nThe  system will  allow  investors  to  monitor  implementation  and  cost  of  specific  projects  and  vote  for  or  against  the  transfer  of  finances  based  on  the  progress  that  ICO  projects  they  invest in  make.\n\nThough  the  ICO-hub  system  is  seen  as  a  good idea,  industry  players  feel  its  scope  is  narrow  and  that it  gives  too much  financial  control  to  investors.\n\nSID  Limited  chairman,  Jose  Merino,  says,  “The  idea  to  create  the  system  is  a  welcome  move. However,  in  my  view  having  such  a  narrow  scope  with  too  much  control  over  a  crypto  company  finances  may  tamper  with  the  ability  of  the  company  to  succeed.”\n\nHe  says,  “Russia’s  guaranteed  ICO  system  seems  to  lack  the  nurturing  aspect  of  startups  that  are  required  to  grow  and  make  it  through  rough  waters. Shutting  down  startups  because  they  did  not  meet  the  milestones  is  unreasonable, will  slow  down  innovation,  and  possibly  suffocate  the  cryptos  movement.”\n\nPotential Risks :\n\nBen  Way,  CEO  of  Digits.io,  finds  the  idea  of  ICO-hub creative, but  its  usage  will  cause  an  uncertainty  for  ICO  projects,  resulting  in  them  failing  due  to  high  charges  by  suppliers  due  to  high  risk.\n\n“I  think  this  is  a  creative  idea  but  ultimately  it  may  become  a  self  fulfilling  prophecy,  a  project  is  more  likely  to  fail  if  there  is  no certainty  of  future  funds,  suppliers  will  charge  more  because  of  the  risk  of  doing  business  with  these  entities  and  they  will  not  be  able  to  attract  talent.  Also  investors  are  pretty  bad  at  predicting  successes  and failures, some  of  the  biggest  names  we  know  would  have  failed  at  some  stage  based  on  this  principle\" was mentioned by him.",
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