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      "body": "Congratulations @dailyfintech! You received a personal award!\n\n<table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@dailyfintech/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/@dailyfintech) and compare to others on the [Steem Ranking](https://steemitboard.com/ranking/index.php?name=dailyfintech)_</sub>\n\n\n**Do not miss the last post from @steemitboard:**\n<table><tr><td><a href=\"https://steemit.com/steemitboard/@steemitboard/the-steem-community-has-lost-an-epic-member-farewell-woflhart\"><img src=\"https://steemitimages.com/64x128/https://cdn.steemitimages.com/DQmQWnM36SWCPGn98nY83M1ArgweMz5fnovQEp2E4FiDdug/Wolfhart_header.png\"></a></td><td><a href=\"https://steemit.com/steemitboard/@steemitboard/the-steem-community-has-lost-an-epic-member-farewell-woflhart\">The Steem community has lost an epic member! Farewell @woflhart!</a></td></tr><tr><td><a href=\"https://steemit.com/steemtoolbar/@steemitboard/steemtoolbar-update-display-bug-fixed\"><img src=\"https://steemitimages.com/64x128/http://i.cubeupload.com/7CiQEO.png\"></a></td><td><a href=\"https://steemit.com/steemtoolbar/@steemitboard/steemtoolbar-update-display-bug-fixed\">SteemitBoard - Witness Update</a></td></tr><tr><td><a href=\"https://steemit.com/steem/@steemitboard/do-not-miss-the-coming-rocky-mountain-steem-meetup-and-get-a-new-community-badge\"><img src=\"https://steemitimages.com/64x128/https://cdn.steemitimages.com/DQmUphCGZFWgt6bJ1XTtunV7esnwy6bxnGqcLcHAV3NEqnQ/meetup-rocky-mountain.png\"></a></td><td><a href=\"https://steemit.com/steem/@steemitboard/do-not-miss-the-coming-rocky-mountain-steem-meetup-and-get-a-new-community-badge\">Do not miss the coming Rocky Mountain Steem Meetup and get a new 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": "Not a moral Bitcoin Maximalist. I don't say buying Bitcoin is any better for the world. Just that Bitcoin will be better than Altcoins as an investment. I said investment, meaning over the long term (plenty of short term trading opportunities in Altcoins) \n\nOne. Brand and network effects. Step outside the cryptoverse for a moment. Have any trouble explaining Bitcoin to a newby? Try Ethereum. Try hundreds of Altcoins. Building a crypto product/service? Building for Bitcoin is a no-brainer. Which Altcoin do you invest your R&D budget into?\n\nTwo. Not making any more of it. People fed up with money printing like land, gold...and Bitcoin. A big newbie question, but how can we believe \"they\" won't make more Bitcoin? Now ask that question of every Altcoin. \n\nThree. Copy that. Sidechains will allow entrepreneurs to copy any feature of a cool Altcoin. Like Smart Contracts? Use Rootstock. Altcoins as a sandbox for experiments are a \"good thing\". As a donation to the community that is cool, as an investment thesis less so. \n\nFour. Lightning Network. Sure we will also have Raiden on Ethereum. Raiden as an Enterprise IT tool is great, but that is very different from a true alternative currency for mainstream use; for that, see 1.\n\nFive. Flight to safety from both directions. Coming from Fiat, Bitcoin is an Anti Fragile crash protection bet. Coming from Altcoins, Bitcoin is safe haven while still believing in Crypto. If you made millions in an ICO, where do you put your stash? No, really. \n\nEthereum is a wonderful technology innovation. It will be used by big corporations, but so what? If Proof of Stake really works, Ethereum could become a true public alternative currency because Proof Of Work is expensive. But that is like saying if we can easily transport solar energy we can get off fossil fuels - easier said than done. Casper in Etherum is still in development. Watch this space, this is a wild card.",
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      "body": "Steemit is a nice interest graph intersection for me - both Fintech/Blockchain and Media. \n\nFor beginners to Steemit, there are many resources - this is one.\n\nIf that gets a knee jerk reaction of “yet another work from home scam” that was also my initial knee jerk. But I also remember my knee jerk reactions to email, social media, e-commerce. \n\nSo as I started to hear more about Steemit, my interest grew and I decided to give it a try - to run an experiment.\n\nI don't tend to jump in at the earliest stage. In Crossing the Chasm terminology, I am an Early Adopter \"visionary\", not an Innovator \"techie\" and I only jump in when I think there is a chance that it will move across the chasm to the Early Majority.\n\nFor example I started using email in 1994, LinkedIn in 2005 and Twitter in 2007. In each case they were a) easy to get started with and b) had a practical benefit for me. So that combination is what I was looking for from Steemit.\n\nFirst, easy. The on-boarding experience was standard two factor authentication. I assumed I would then start publishing. Then I was told that my application was “awaiting approval”.\n\nI was not the first to find this seemingly manual process step strange as this conversational thread on Steemit shows. I have copied some of the comments below:\n\n“I am not sure the issue but its frustrating me. If i recommend it to someone and they cant sign up? Its not building hype but changing peoples minds about joining.\n\nYou will need to do the secret hand shake first.\n\nSeems like it depends on the country. I have been getting friends to join from around the world and some get approved in a few days, while others are still waiting over a week later…\n\nI feel like there are better ways to trap spam accounts though. Like, what is it that they're doing in that 48 hours? Is somebody manually checking these? All I can assume is that if they are querying some of the services available to see if the account has been used for spam purposes... but I doubt they're doing that manually or that's going to be a huge issue as they try to scale the site.\nI'd definitely be interested to know what the technical reason is for the delay.”\n\nReading that I was thinking “well that experiment ended badly pretty quickly”, but when I got back to my email a few hours later, the approval was there.\n\nSo I still want to know why they have this approval process and whether it will get in the way of growth, but for now I just assume this is a pragmatic entrepreneurial “do things that don’t scale” that is life-stage appropriate. More importantly my experiment can continue.\n\nSo I am interested in the practical benefit question of whether one can make real money as a content creator on Steemit. In Social Media 1.0, the content creators got paid in attention not cash - think Facebook, LinkedIn and Twitter. If Steemit is Social Media 2.0, where content creators got paid in meaningful cash that is a big deal.\n\nI have been a bear on the donations method of micropayment as the way for content creators getting paid. Putting up a Patreon button is easy enough, but donations is not an interesting model IMO. Why should somebody donate to a stranger? If I was a starving child in Africa, the charitable instinct kicks in. But Daily Fintech content is specialised and niche and not a charity case. So my theory says Patreon should not work but if I want to run a scientific experiment I should really run Patreon and Steemit side by side. Without the charity use case, there has to be a cut bono argument. There has to be a reason why somebody will pay.\n\nThe reason I think Steemit might work is my experience on a forum like Hacker News. (I say “might” because this is an experiment and this is only a hypothesis) Community curation works on Hacker News. It consistently surfaces interesting content. Getting rewarded in Karma points is cool. As I see Steemit, it is like getting Karma points that I can convert to cash.   \n\nPreconceptions from the Fintech/Blockchain realm. \nSo that is how I see it from a Media POV. Steemit is also interesting from a Fintech/Blockchain POV ie the sort of thing we write about on Daily Fintech.  \n\nAfter my experiment, I will know more. At this time I have some preconceptions:\n\nBitshares. The founder of Steemit had earlier founded Bitshares, which failed. This can lead to two conclusions:\n\nWhatever he touches fails, so Steemit will fail.\nIf he learned from Bitshares he is a tried and tested entrepreneur who may make it second time around.\n\nI incline to 2. I have seen many ventures that were simply too early. I think Bitshares was like that. At some point we may see something like Bitshares go mainstream and then Bitshares will be honoured with a footnote in history. \n\nIts Complicated. \n\nYou can read about 3 currency units here (key points copied below):\n\n\nSteem: \nSteem are the units that are bought and sold for actual money on the open markets. You can trade them as you would bitcoins or a company’s stock.\nBut you don’t want to hold on to these for too long because more Steem Units are created every single day. If you hold onto Steem Units for a long time, they will become diluted and lose value.\nSteem Power:\nOwning Steem Power Units is essentially like making a long term investment in the currency because you can’t sell Steem Power Units for 2 years. But there are a lot of good reasons to have Steem Power.\nBy keeping your currency as Steem Power Units, you will be able to make considerably more money in the long run because you essentially have ownership in the network. As the network grows, so will your piece of the pie.\nAnd you’ll be heavily rewarded along the way. The way things are set up now, 90% of the new Steem Currency that is generated every single day is distributed to the people who already hold Steem Power Units in the form of additional Steem Units. (The other 10% goes to content creators and curators).\nHalf of the pay you receive for your content will be in Steem Power Units.\nAlso, the more Steem Power Units you have, the more your curation vote will count. You will have more influence on the site and you will also get paid more for upvoting other people’s work. (When you upvote someone’s work, they will get paid more as well.)\nSteem Power Units also play one final and very important role. They prevent massive price swings and volatility on the open markets. Because everyone is locked in for 2 years, we can’t all sell our currency all at once if the market starts to dip, which would crash the price were it to happen.\nSteem Dollars: \nSteem Dollars are the third and final form of the currency and never get diluted or lose their value. They are designed to be a stable currency that you can sell at any time. When you create popular content, 50% of your pay will be in Steem Dollars.\nAnd you’ll be rewarded for holding Steem dollars too. It’s not nearly as much as the rewards for holding Steem Power. But because it still keeps the currency in the network, holding Steem Dollars pays 10% interest.\nWhen you earn Steem Dollars for creating content, you have three choices:\n1) You can convert the Steem Dollars to Steem and sell it immediately on the open market for real money, essentially cashing out.\n2) You can hold the Steem Dollars, which keeps the money in the network and pays you 10% interest. You can sell them at any time. If you think the value will go up and want to sell at some point in the near future, this is your best option.\n3) You can exchange your Steem Dollars for Steem Power. If you want to invest in the future of the currency and reap the biggest rewards, this is the way to do it. \n\nMy knee jerk reaction, that is too complex and sounds a tad scammy, just give me some cash. So let me run the experiment and see what happens. I do not have a policy on these currency units going into the experiment.\n\n\nIs it really Blockchain?\nThe jaded journalist in me sees a classic HypeWord1+HypeWord2 in Steemit as in SocialMedia+Blockchain. Adding Blockchain to anything is a classic hype gambit as in IOT+Blockchain (21) or SupplyChainFinance+Blockchain (Hive) or Adtech+Blockchain (BAT). Some of these ventures maybe real but the concatenation of hype words sounds my hype alarm. The question remains, how does Blockchain really enable Steemit. I don’t know but will suspend disbelief till I find out.",
      "json_metadata": "{\"tags\":[\"newbie\",\"experiment\",\"social\",\"media\",\"blockchain\"],\"app\":\"steemit/0.1\",\"format\":\"markdown\"}",
      "parent_author": "",
      "parent_permlink": "newbie",
      "permlink": "daily-fintech-is-on-steemit-and-we-will-publish-results-of-our-experiment",
      "title": "Daily Fintech is on Steemit and we will publish results of our experiment"
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