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      "author": "steemitboard",
      "body": "Congratulations @dereksilva! You received a personal award!\n\n<table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@dereksilva/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/@dereksilva) and compare to others on the [Steem Ranking](https://steemitboard.com/ranking/index.php?name=dereksilva)_</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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      "memo": "Appreciated @dereksilva. Sorry to intrude. I hope I'm not disturbing you with this message. My intention is to help promote the last post of my great friend @crypto.piotr about palnet.io and the HOPE project. I hope this reading is constructive for you. LINK: https://steemit.com/palnet/@crypto.piotr/project-hope-help-us-grow-by-making-a-simple-change",
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      "body": "I need to correct your assertion about MetaMask -- Bloom has had mobile apps for iOS and Android since before you posted your review. You can use the mobile apps without interacting with MetaMask in anyway, which is how the majority of people use the Bloom protocol now.\n\nApp Store - https://apps.apple.com/us/app/id1380492735?mt=8\nPlay Store - https://play.google.com/store/apps/details?id=co.bloom.app\n\nThanks for the review!",
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      "memo": "Dear @dereksilva, I hope you don't mind this little memo. Just yesterday I published new post on Steemit asking all readers to share their opinion on particular topic: \"AIRDROPS - do you LOVE OR HATE them? or simply don't care?\". I would be glad if you would share your view on that issue. I read and upvote all interesting comments. Yours, Piotr // LINK: https://steemit.com/blockchain/@crypto.piotr/airdrops-do-you-love-or-hate-them-or-simply-don-t-care",
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      "memo": "Dear @dereksilva, I hope you don't mind my little memo. Did you ever think about IMPACT OF \"ALIENS\" on our religions? I would like to share with you link to very interesting discussion \"How will the overwhelming discovery of extraterrestrial life affect our lives and beliefs?\" by @jadams2k18. Perhaps you will find it interesting (I read and upvote all interesting comments). Yours, Piotr // LINK: https://steemit.com/life/@jadams2k18/how-will-the-overwhelming-discovery-of-extraterrestrial-life-affect-our-lives-and-beliefs",
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      "memo": "Hello appreciated @dereksilva. Do you know what IEO's are? In my last publication called \"IEO's The New ICO's\" you can get the answer. I would like to share it with you and know your valuable opinion about it. If you do not want to receive these types of notifications please tell me. LINK: https://steemit.com/crypto/@juanmolina/ieo-s-the-new-ico-s",
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      "body": "This is a well thought out post, and I thank you for taking the time to grab appropriate references and putting them together with some nuance. Kudos to you!",
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      "body": "Identity theft is one of the fastest growing crimes in America. Since 2012, 1 in 3 Americans have been victims of identity theft. In 2017 alone, there were over 16.7 million victims of identity fraud, leading to $16.8 billion in financial damages.\n\nVictims of identity theft must deal with the destructive nature of data breaches firsthand, whether their credit has been demolished by card fraud, bank accounts emptied, or lives upturned by all kinds of other criminal activity.\n\nRead the rest of this post here: http://bit.ly/2G6CufS",
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      "memo": "Dear @dereksilva, My good friend from Venezuela published recently very interesting post describing \"Behavior and evolution of cryptocurrencies ten years after its creation\". I found this post very valuable and wanted to share with you (my own attempt to promote quality content). I read and upvote all interesting comments. Yours, Piotr // LINK: https://steemit.com/blockchain/@fucho80/behavior-and-evolution-of-cryptocurrencies-ten-years-after-its-creation-what-to-expect-from-them-in-the-future",
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      "from": "crypto.piotr",
      "memo": "Dear [@username], Today I've tried to check my \"wallet\" only to realize that I need to sign in again in order to have an access to it. It seem that Steemit Inc made another awful change that WILL ONLY COMPLICATE this platform even more. Please check out my latest comment and share your view with me. I read all comments. Yours, Piotr // LINK:   https://steemit.com/steem/@crypto.piotr/re-steemitblog-social-condenser-is-live-20190403t083122138z",
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      "author": "partiko",
      "body": "Hello @dereksilva! This is a friendly reminder that you can **download Partiko today and start earning Steem** easier than ever before!\n\nPartiko is a fast and beautiful mobile app for Steem. You can login using your Steem account, browse, post, comment and upvote easily on your phone!\n\nYou can even **earn up to 3,000 Partiko Points per day**, and easily convert them into Steem token!\n\n**Download Partiko now using the link below to receive 1000 Points as bonus right away!**\n\nhttps://partiko.app/referral/partiko",
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      "memo": "Dear @dereksilva, My friend @julianhorack published very interesting post about CENSORSHIP on social media and on blockchain. He does believe that blockchain is our solution and I seem to disagree with his concept. Perhaps you would like to share your own opinion on this particular topic? I would APPRECIATE very much and I will read, upvote and reply to every single comment. Yours, Piotr // LINK: https://steemit.com/informationwar/@crypto.piotr/re-julianhorack-blockchain-as-the-liberator-of-the-masses-from-the-claws-of-the-nwo-20190330t110024985z",
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      "memo": "Hi again @dereksilva. I hope you don't mind one more memo from me. If you do then please let me know and I will not bother you again. EACH WEEKEND I'm trying to promote 1-2 publications which I consider VALUABLE and related to BLOCKCHAIN technology. Good friend of mine @guysellars posted interesting article about KYC and AML. I would love to know what is your opinon on this particular subject. Yours, Piotr // LINK: https://steemit.com/bitcoin/@crypto.piotr/re-guysellars-kyc-and-aml-are-good-yum-20190324t092617518z",
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      "from": "crypto.piotr",
      "memo": "Dear @dereksilva. Have you ever been wondering about purchasing your own NANO Ledger? I did several times. Friend of mine described his own valuable experience with this company and I would like to share link to his publication with you. Perhaps you will find it useful or even you could share your own experience with NANO Ledgers? I will gladly read all comments. Yours, Piotr // LINK: https://steemit.com/business/@crypto.piotr/re-roleerob-celebrating-good-business-latest-from-ledger-20190324t090152829z",
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{
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    {
      "author": "dereksilva",
      "body": "@@ -148,21 +148,61 @@\n ions at \n+%5B\n Bloom\n+%5D(https://bloom.co/?utm_source=steemit)\n .%0A%0AI fir\n",
      "json_metadata": "{\"tags\":[\"bloom\",\"defi\",\"ethereum\",\"identity\",\"blockchain\"],\"image\":[\"https://cdn.steemitimages.com/DQmVCzV8bfV9YBSwoqHR6iLaG8cJGgKQMoXAFUSodntD9cZ/image.png\",\"https://cdn.steemitimages.com/DQmfPWa4cfVnEuFM9w1EsHQaVV9myU2gwPg42mUKaJdkQGp/image.png\",\"https://cdn.steemitimages.com/DQmTzJDUSnMBeGw5JKcHku43qjBN8L9WgWLQARZGusXPaK1/image.png\"],\"app\":\"steemit/0.1\",\"format\":\"markdown\",\"links\":[\"https://bloom.co/?utm_source=steemit\"]}",
      "parent_author": "",
      "parent_permlink": "bloom",
      "permlink": "my-first-year-at-bloom",
      "title": "My First Year at Bloom"
    }
  ],
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  "timestamp": "2019-03-19T17:52:00",
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{
  "block": 31296272,
  "op": [
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    {
      "author": "dereksilva",
      "body": "https://cdn.steemitimages.com/DQmVCzV8bfV9YBSwoqHR6iLaG8cJGgKQMoXAFUSodntD9cZ/image.png\n\nIn mid-February 2018, I started as Head of Community Relations at Bloom.\n\nI first heard about Bloom thanks to ETHLend, when they announced their partnership in the fall of 2017. As I began reading about Bloom's intentions to build a decentralized identity and credit scoring system, I started thinking about what that would mean for my relatives in Europe who live under a very odd credit reporting regime, and how this could be extremely beneficial to several billion people all around the world.\n\nI was in. In my mind, this had to be built. And it had to be built this way, in a unified system. I am all for best-of-breed solutions, but it seemed like a no-brainer that identity and credit scoring belonged together.\n\nI became a passionate and active supporter in Bloom’s Slack community, producing an overview video for my own personal YouTube channel and inviting others to learn more about Bloom. This all led up to the first job postings going up, and knowing I wanted to be a part of the team that would eventually help bring millions out of poverty and improve the lives of billions more.\n\nWhen I got the call from Jesse with the job offer, I was ecstatic! And a year later, I'm still extremely proud to be part of the team.\n\nSince February 2018, Community Relations has had a number of issues to handle. Of course, we hit many major milestones; releasing phase 2 on testnet, introducing delegated voting, launching the iOS app, and many more. But it's all the other nitty gritty details you don't see, the stories I have been told, the eager partners, and many other exciting developments that has me waking up with a smile on my face almost every day.\n\nhttps://cdn.steemitimages.com/DQmfPWa4cfVnEuFM9w1EsHQaVV9myU2gwPg42mUKaJdkQGp/image.png\n\nJob number one was implementing the Community Alliance Program. Over the course of the year, I had lots of ideas we could implement. In the end, those lead to a variety of steps taken to better connect and communicate, like:\n\n- I started providing regular updates on on our subreddit of what the team has been up to. Those got a very positive response, so they were also brought over to Telegram and Slack.\n- Bloom Fireside was started, interviewing our partners to introduce them, their teams, their goals, and why they were excited about partnering with Bloom.\n- Ensuring we launched several sets of community polls, and the next round will be launched in the near future.\n\nNot that it's all been sunshine ☀️ and roses 🌹 around here...\n\n### Challenges\n\nThe primary challenges we have faced in Community & Developer Relations centre around a few key areas, those being:\n\n- Reminding yourself of existing versus future capabilities\n- Learning about the eKYC regulations in hundreds of jurisdictions\n- Learning how to engage with different types of people, like people in developed countries compared with those in developing countries, or BloomID holders versus app developers\n- Troubleshooting web dApp and iOS app issues \n\nWhat that has meant is a lot of listening, understanding, tweaking, plodding on, and then pivoting when things aren't working. It has also meant taking existing skills, but applying them in different ways; I know how to speak to developers, but typically as a project manager or sales representative. Now I also need to ensure I know enough about Bloom's APIs to explain them at a high level, and recognize when I don't know the answer and bring in the expertise needed.\n\nIt’s has been important to find fun and interesting ways to keep people engaged in what's happening and the progress that is being made.\n\nWe have handled questions about how Bloom compares to other decentralized and centralized identity providers, unsuccessful SMS attestations, bugs that pop up in the apps (and are squashed as quickly as possible), linking devices, deleting BloomIDs, GDPR compliance, when there will be live integrations with the Bloom protocol (so soon!!), how BloomIQ will work, what benefits a BloomID has over traditional identity platforms, when BloomScore will be ready, our partners, and others.\n\nNot mentioned above, but affecting your ability to do any of these things, is simply a lack of time! We have all sorts of things we would love to build, roll out, and experiment with, but there aren't enough hours in the day or week to get it all done at once. To be honest, it's just as frustrating for me as it is for you when there isn’t new public releases, or I can't get a timely answer to a question you have asked, or you want to see us more engaged out in the real world. At the same time, we have recognized this, taken your feedback to heart, and are planning to be at lots of events in 2019.\n\n### Opportunities\n\nWell, really, the opportunities are boundless, aren't they? The types of people and organizations we have been in contact with over the past year include:\n\n- Traditional financial institutions\n- Peer to peer lenders\n- Employment verifiers\n- Documentary (photo ID) verifiers\n- Bounty hunting platforms\n- Open company platforms\n- Neobanks\n- Government representatives\n\nAnd many others. Underlying all of this is the knowledge that tying all these into a unified ecosystem, on the Bloom protocol, will make your life (and mine) much easier. It will be easier for you to apply for a small business loan, it will be more secure to share the bare minimum of data on your command, you will be able to access buildings without a keyfob, verify government grant eligibility, and so much more.\n\nhttps://cdn.steemitimages.com/DQmTzJDUSnMBeGw5JKcHku43qjBN8L9WgWLQARZGusXPaK1/image.png\n\nWhat that has meant for Community & Developer Relations is listening and coming to an understanding of each stakeholders' needs, being able to communicate how Bloom can address them, being open to feedback on things the protocol may be missing, and ensuring we have the most accurate answer for each question when asked.\n\nIt has meant exploring and evaluating dozens of communication platforms that Bloom can use to get its message out there, including various decentralized video hosting platforms. For example, we're trying out Minds.com, and I'm personally sharing Bloom's news on cent.co. It has also meant that sometimes messaging has to be customized for different platforms, especially if you want to figure out which ones are helping and which aren't. That takes time to research and craft the best message for each.\n\nAnd, more and more, we are having people find out about Bloom organically and contact us to discuss how to work together. I have become the primary point person that asks the first few questions, sometimes has a phone or video call, and basically triages the request and gets the individual or organization in touch with the right person. That could be Anne, Shannon, Jesse, or someone else on the team.\n\nI also get to hear about new attestations being made live first, and I have the opportunity to test them out and ensure they work! I got a chance to do this most recently with the addition of our address and utility bill attestations, where our product team was working with a new API.\n\n### What's Next?\n\nA whole lot! We are continuing to explore new communication platforms, we are lining up multiple speaking and exhibiting opportunities for 2019, we have a goal for the number of Share Kit integrations we want to see among highly trafficked websites and apps, more video content, more Fireside podcast episodes, an Ambassador Program, sponsoring more hackathons, and lots of other really exciting initiatives that you will see during the course of the year.\n\nWe are updating the Community Alliance Program, and will unveil the changes soon. I think you will find at least some of what we have to offer very exciting, and will give big fans of the protocol a much deeper way to engage and support what's happening!\n\nI hope that gives you a feel of what it has been like for my first year at Bloom. I'm looking forward to many more as we democratize the ability to improve one's life through technology and access to services. I am really looking forward to it, and I think you should too!",
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      "body": "https://cdn.steemitimages.com/DQmVCzV8bfV9YBSwoqHR6iLaG8cJGgKQMoXAFUSodntD9cZ/image.png\n\nIn mid-February 2018, I started as Head of Community Relations at Bloom.\n\nI first heard about Bloom thanks to ETHLend, when they announced their partnership in the fall of 2017. As I began reading about Bloom's intentions to build a decentralized identity and credit scoring system, I started thinking about what that would mean for my relatives in Europe who live under a very odd credit reporting regime, and how this could be extremely beneficial to several billion people all around the world.\n\nI was in. In my mind, this had to be built. And it had to be built this way, in a unified system. I am all for best-of-breed solutions, but it seemed like a no-brainer that identity and credit scoring belonged together.\n\nI became a passionate and active supporter in Bloom’s Slack community, producing an overview video for my own personal YouTube channel and inviting others to learn more about Bloom. This all led up to the first job postings going up, and knowing I wanted to be a part of the team that would eventually help bring millions out of poverty and improve the lives of billions more.\n\nWhen I got the call from Jesse with the job offer, I was ecstatic! And a year later, I'm still extremely proud to be part of the team.\n\nSince February 2018, Community Relations has had a number of issues to handle. Of course, we hit many major milestones; releasing phase 2 on testnet, introducing delegated voting, launching the iOS app, and many more. But it's all the other nitty gritty details you don't see, the stories I have been told, the eager partners, and many other exciting developments that has me waking up with a smile on my face almost every day.\n\nhttps://cdn.steemitimages.com/DQmfPWa4cfVnEuFM9w1EsHQaVV9myU2gwPg42mUKaJdkQGp/image.png\n\nJob number one was implementing the Community Alliance Program. Over the course of the year, I had lots of ideas we could implement. In the end, those lead to a variety of steps taken to better connect and communicate, like:\n\n- I started providing regular updates on on our subreddit of what the team has been up to. Those got a very positive response, so they were also brought over to Telegram and Slack.\n- Bloom Fireside was started, interviewing our partners to introduce them, their teams, their goals, and why they were excited about partnering with Bloom.\n- Ensuring we launched several sets of community polls, and the next round will be launched in the near future.\n\nNot that it's all been sunshine ☀️ and roses 🌹 around here...\n\n### Challenges\n\nThe primary challenges we have faced in Community & Developer Relations centre around a few key areas, those being:\n\n- Reminding yourself of existing versus future capabilities\n- Learning about the eKYC regulations in hundreds of jurisdictions\n- Learning how to engage with different types of people, like people in developed countries compared with those in developing countries, or BloomID holders versus app developers\n- Troubleshooting web dApp and iOS app issues \n\nWhat that has meant is a lot of listening, understanding, tweaking, plodding on, and then pivoting when things aren't working. It has also meant taking existing skills, but applying them in different ways; I know how to speak to developers, but typically as a project manager or sales representative. Now I also need to ensure I know enough about Bloom's APIs to explain them at a high level, and recognize when I don't know the answer and bring in the expertise needed.\n\nIt’s has been important to find fun and interesting ways to keep people engaged in what's happening and the progress that is being made.\n\nWe have handled questions about how Bloom compares to other decentralized and centralized identity providers, unsuccessful SMS attestations, bugs that pop up in the apps (and are squashed as quickly as possible), linking devices, deleting BloomIDs, GDPR compliance, when there will be live integrations with the Bloom protocol (so soon!!), how BloomIQ will work, what benefits a BloomID has over traditional identity platforms, when BloomScore will be ready, our partners, and others.\n\nNot mentioned above, but affecting your ability to do any of these things, is simply a lack of time! We have all sorts of things we would love to build, roll out, and experiment with, but there aren't enough hours in the day or week to get it all done at once. To be honest, it's just as frustrating for me as it is for you when there isn’t new public releases, or I can't get a timely answer to a question you have asked, or you want to see us more engaged out in the real world. At the same time, we have recognized this, taken your feedback to heart, and are planning to be at lots of events in 2019.\n\n### Opportunities\n\nWell, really, the opportunities are boundless, aren't they? The types of people and organizations we have been in contact with over the past year include:\n\n- Traditional financial institutions\n- Peer to peer lenders\n- Employment verifiers\n- Documentary (photo ID) verifiers\n- Bounty hunting platforms\n- Open company platforms\n- Neobanks\n- Government representatives\n\nAnd many others. Underlying all of this is the knowledge that tying all these into a unified ecosystem, on the Bloom protocol, will make your life (and mine) much easier. It will be easier for you to apply for a small business loan, it will be more secure to share the bare minimum of data on your command, you will be able to access buildings without a keyfob, verify government grant eligibility, and so much more.\n\nhttps://cdn.steemitimages.com/DQmTzJDUSnMBeGw5JKcHku43qjBN8L9WgWLQARZGusXPaK1/image.png\n\nWhat that has meant for Community & Developer Relations is listening and coming to an understanding of each stakeholders' needs, being able to communicate how Bloom can address them, being open to feedback on things the protocol may be missing, and ensuring we have the most accurate answer for each question when asked.\n\nIt has meant exploring and evaluating dozens of communication platforms that Bloom can use to get its message out there, including various decentralized video hosting platforms. For example, we're trying out Minds.com, and I'm personally sharing Bloom's news on cent.co. It has also meant that sometimes messaging has to be customized for different platforms, especially if you want to figure out which ones are helping and which aren't. That takes time to research and craft the best message for each.\n\nAnd, more and more, we are having people find out about Bloom organically and contact us to discuss how to work together. I have become the primary point person that asks the first few questions, sometimes has a phone or video call, and basically triages the request and gets the individual or organization in touch with the right person. That could be Anne, Shannon, Jesse, or someone else on the team.\n\nI also get to hear about new attestations being made live first, and I have the opportunity to test them out and ensure they work! I got a chance to do this most recently with the addition of our address and utility bill attestations, where our product team was working with a new API.\n\n### What's Next?\n\nA whole lot! We are continuing to explore new communication platforms, we are lining up multiple speaking and exhibiting opportunities for 2019, we have a goal for the number of Share Kit integrations we want to see among highly trafficked websites and apps, more video content, more Fireside podcast episodes, an Ambassador Program, sponsoring more hackathons, and lots of other really exciting initiatives that you will see during the course of the year.\n\nWe are updating the Community Alliance Program, and will unveil the changes soon. I think you will find at least some of what we have to offer very exciting, and will give big fans of the protocol a much deeper way to engage and support what's happening!\n\nI hope that gives you a feel of what it has been like for my first year at Bloom. I'm looking forward to many more as we democratize the ability to improve one's life through technology and access to services. I am really looking forward to it, and I think you should too!",
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      "body": "https://cdn.steemitimages.com/DQmYN68hCJicVcVPUrsTvBJ5M1FFxywBeHVEoriMudEWzme/image.png\n\nWe are happy to announce that over a quarter million people have now created a BloomID, taking back control of how their data is stored and shared amid rapidly growing concerns about the massive collection, misuse, and unauthorized sale of their personal data in the wake of an increasing number of data hacks, breaches, and alarming revelations.\n\nFollowing six months of rapid growth and record highs, February marked a historic month for Bloom with more than 67,000 BloomIDs created, the largest number ever of new BloomIDs in a single month. February also brought a record best for BloomIDs created in a single day, with more than 7,500 created on February 5th alone. Bloom is now by far the largest decentralized identity management system in the world, enabling hundreds of thousands of people around the globe to protect their data with the latest in blockchain technology.\n\nhttps://cdn.steemitimages.com/DQma1MLoTBmA2pVZWwVqjBeZ1Yj2doFzjiN5ruDimTZjEYG/image.png\n\nIn February, Bloom saw 95%+ of sign-ups come from leading markets, including the United States, Western Europe, Canada, Australia, Eastern Europe, India/Pakistan, and South Korea/Japan. Bloom now has users in over 180 countries around the world.\n\nAs the platform has rapidly grown, dozens of developers have integrated Bloom’s technology, countless lenders have joined Bloom’s network, and we’re in live agreements with many of the biggest financial institutions around the world.\n\nhttps://cdn.steemitimages.com/DQmUTZc2dyNqJsXjoRxpCFVNxbiVidFon93vzG7c4WpuwGY/image.png\n\nWith the Bloom Android app launch right around the corner and live BloomID integration in our Lending Marketplace coming soon, we now set sights on 500,000 BloomIDs! Users on both iOS and Android will be able to quickly and securely one-click apply for loans all around the world.\n\nBloom is positioned to provide a secure solution to the global data problem with technology that presents a viable path forward, today. As we continue to quickly innovate and release major new products, Bloom sees mass mainstream adoption on a global scale in the near future as consumers begin to demand better data security and more control over their digital identities, and companies look to adopt innovative technologies to adapt to the quickly changing lending, identity, and data landscape.\n\n### Take Back Control of Your Credit and Identity\n\nJoin us and [download the Bloom mobile app](https://bloom.app.link/n84SaYZx6P) or [sign up on desktop](https://bloom.co/app/signup?utm_source=steemit&utm_campaign=250k) today. We’re committed to delivering amazing user experiences and love hearing more about the key products most important to you, please download and hop in our Telegram to share your experience with us!\n\n### About Bloom\n\nBloom is a blockchain solution for identity security and cross-border credit scoring, restoring ownership and control of identity information and financial data back to consumers. By decentralizing the way that information is shared between untrusted parties, the system reduces the risk of identity theft and minimizes costs associated with customer on-boarding, compliance and fraud prevention.\n\n### Learn More\n\n- [Download the Bloom App](https://bloom.app.link/n84SaYZx6P?utm_source=steemit&utm_campaign=250k)\n- [Visit our Website](https://bloom.co/blog?utm_source=steemit&utm_campaign=250k)\n- [Join the conversation on Telegram](http://t.me/bloomprotocol?utm_source=steemit&utm_campaign=250k)\n- [Follow us on Twitter](https://twitter.com/bloom?utm_source=steemit&utm_campaign=250k)\n- [Read our Blog](https://bloom.co/blog?utm_source=steemit&utm_campaign=250k)",
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      "body": "https://cdn.steemitimages.com/DQmYN68hCJicVcVPUrsTvBJ5M1FFxywBeHVEoriMudEWzme/image.png\n\nWe are happy to announce that over a quarter million people have now created a BloomID, taking back control of how their data is stored and shared amid rapidly growing concerns about the massive collection, misuse, and unauthorized sale of their personal data in the wake of an increasing number of data hacks, breaches, and alarming revelations.\n\nFollowing six months of rapid growth and record highs, February marked a historic month for Bloom with more than 67,000 BloomIDs created, the largest number ever of new BloomIDs in a single month. February also brought a record best for BloomIDs created in a single day, with more than 7,500 created on February 5th alone. Bloom is now by far the largest decentralized identity management system in the world, enabling hundreds of thousands of people around the globe to protect their data with the latest in blockchain technology.\n\nhttps://cdn.steemitimages.com/DQma1MLoTBmA2pVZWwVqjBeZ1Yj2doFzjiN5ruDimTZjEYG/image.png\n\nIn February, Bloom saw 95%+ of sign-ups come from leading markets, including the United States, Western Europe, Canada, Australia, Eastern Europe, India/Pakistan, and South Korea/Japan. Bloom now has users in over 180 countries around the world.\n\nAs the platform has rapidly grown, dozens of developers have integrated Bloom’s technology, countless lenders have joined Bloom’s network, and we’re in live agreements with many of the biggest financial institutions around the world.\n\nhttps://cdn.steemitimages.com/DQmUTZc2dyNqJsXjoRxpCFVNxbiVidFon93vzG7c4WpuwGY/image.png\n\nWith the Bloom Android app launch right around the corner and live BloomID integration in our Lending Marketplace coming soon, we now set sights on 500,000 BloomIDs! Users on both iOS and Android will be able to quickly and securely one-click apply for loans all around the world.\n\nBloom is positioned to provide a secure solution to the global data problem with technology that presents a viable path forward, today. As we continue to quickly innovate and release major new products, Bloom sees mass mainstream adoption on a global scale in the near future as consumers begin to demand better data security and more control over their digital identities, and companies look to adopt innovative technologies to adapt to the quickly changing lending, identity, and data landscape.\n\n### Take Back Control of Your Credit and Identity\n\nJoin us and [download the Bloom mobile app](https://bloom.app.link/n84SaYZx6P) or [sign up on desktop](https://bloom.co/app/signup?utm_source=steemit&utm_campaign=250k) today. We’re committed to delivering amazing user experiences and love hearing more about the key products most important to you, please download and hop in our Telegram to share your experience with us!\n\n### About Bloom\n\nBloom is a blockchain solution for identity security and cross-border credit scoring, restoring ownership and control of identity information and financial data back to consumers. By decentralizing the way that information is shared between untrusted parties, the system reduces the risk of identity theft and minimizes costs associated with customer on-boarding, compliance and fraud prevention.\n\n### Learn More\n\n- [Download the Bloom App](https://bloom.app.link/n84SaYZx6P?utm_source=steemit&utm_campaign=250k)\n- [Visit our Website](https://bloom.co/blog?utm_source=steemit&utm_campaign=250k)\n- [Join the conversation on Telegram](http://t.me/bloomprotocol?utm_source=steemit&utm_campaign=250k)\n- [Follow us on Twitter](https://twitter.com/bloom?utm_source=steemit&utm_campaign=250k)\n- [Read our Blog](https://bloom.co/blog?utm_source=steemit&utm_campaign=250k)",
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      "body": "Congratulations @dereksilva! You received a personal award!\n\n<table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@dereksilva/birthday1.png</td><td>Happy Birthday! - You are on the Steem blockchain for 1 year!</td></tr></table>\n\n<sub>_[Click here to view your Board](https://steemitboard.com/@dereksilva)_</sub>\n\n\n**Do not miss the last post from @steemitboard:**\n<table><tr><td><a href=\"https://steemit.com/carnival/@steemitboard/carnival-2019\"><img src=\"https://steemitimages.com/64x128/http://i.cubeupload.com/rltzHT.png\"></a></td><td><a href=\"https://steemit.com/carnival/@steemitboard/carnival-2019\">Carnival Challenge - Collect badge and win 5 STEEM</a></td></tr></table>\n\n###### [Vote for @Steemitboard as a witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1) and get one more award and increased upvotes!",
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      "body": "https://www.youtube.com/watch?v=c-tZX-fdJGk\n\n_Bloom co-founder, Jesse Leimgruber, outlines the problems with data sharing and presents solutions to create data sharing models that actually work. Approximately 200 people were in the audience. This event was filmed at the Underscore Blockchain Summit in Boston, MA._\n\n# Transcript:\n\nMy name is Jesse. I am the co-founder of Bloom. Bloom is a decentralized credit scoring and identity system. We did a token sale in December. And I’m here to talk to you about creating data sharing models that work.\n\n## When you think of data sharing, why is this important?\n\nThere is data on every single one of you guys right now. You have credit data on you. You have identity data on you. If you’ve ever signed up to an exchange, like Coinbase or Poloniex, you had to verify your identity to show them that you are able to deposit money and they’re able to send you money.\n\nMy co-founders of Bloom actually built the compliance and identity verification system that powers companies like Coinbase.\n\nThere’s a lot of problems with data sharing in the world. We recently saw the Equifax hack where 145 million Americans had their data leaked. Obviously the Cambridge Analytica case with Facebook, data was leaked without users really knowing what data was out about them.\n\n# Problems:\n\n## Risks of Leaks:\n\nLeaks from central parties that are holding your data. They are owning it. It’s clear, plain text often. And they are not always the best at security.\n\n## We’ve got silos:\n\nCorporations do not really work well together. And they especially don’t work well together when they have to cross borders. To tie it back to credit, if you’re an immigrant, and you move to the United States, or if you leave from the United States and go somewhere else, your whole credit history resets.It doesn’t matter if you have $50,000 of debt or have paid millions and millions of dollars in mortgages, this data does not talk to each other.\n\n## There’s bias in understanding data:\n\nWhen you trust a central party to make an interpretation of the data, there’s huge biases here.\n\nIn China, your political affiliation literally influences your credit score. And in the UK, whether you’re registered to vote influences your credit score. In the United States, we have lots of weird things that influence your credit score like if you’ve checked it or if you’ve closed an old account. And these things are mathematically proven to not actually matter, but because central parties are entrusted to interpret the data, that’s how we go.\n\n## Storage: Users don’t own it\n\nYou don’t even know where your data is stored. 50 millions records are stored in Cambridge Analytica.\n\n## Cost\n\nCentral parties love to charge for access to data. That’s their business model.\n\nSo, I talked about some of these, but in credit, just because credit is … everyone has data on credit and it’s the first system that Bloom aimed to tackle, there’s risk of identity theft. You’re verifying your identity with plain text social security numbers. There’s cross border issues. Scores are based on historical information. There’s lack of data on a lot of populations, billions of people have no data on them so they’re unscorable. And this leads to lots of unnatural behavior.\n\n# Solution:\n\nWhat can you do here? If you want to build a data sharing model that actually works, what does that look like? Obviously blockchain has a lot of opportunity. This is why we’re here today. And now is the time. After the Equifax hack, things like the Cambridge Analytica issue, now is the time to really rethink what data and identity actually means.\n\nSo, number one, and this is in my view very important, we have to get away from corporations controlling the data, and governments.\n\n## 1. Users should own your data.\n\nNow, this can take a ton of different forms. People have talked about IPFS, they’ve talked about putting it on your device. But one way or another, users need to be the custodian of their own information. Because if the user controls it, the user can decide how that information is used. This is a screenshot of Bloom. You can set up an identity and you actually own all of your ID information.\n\n## 2. Limit access and privileges to data.\n\nRight now, there is literally, I guarantee you… Today, probably at least 10 times, your data and your personal information was mined and sold. Facebook makes between $5 and $100 a year per person off of selling your data. Credit bureaus charge, on average, about $15 every single time a lender pulls your credit report. There’s cookies and pixels that are mining your data and your behavior.\n\nYour data is being mined and sold and it’s valuable.\n\nAs a US citizen, that data is actually worth hundreds of dollars a year per individual. So, we need to limit the access to that data. We need to create a system that you understand where it’s going and you decide where it goes. On Bloom, we do this through private encryption and hashing. Not all of the personal information is stored and you can selectively release information. If you don’t wanna release and entire credit report, you can just release whether or not you’re capable of paying back a debt or if you have a positive bank balance.\n\nNow, number three is:\n\n## 3. Allow for low-cost reusability of this data.\n\nThere are central parties that charge time and time again to access the same exact information. If you’ve ever used an employment verification service, an education verification service, or any verification service, either you or the company that you’re applying to is paying over and over and over again. But that doesn’t need to be the case. If you own the data, you can have low-cost reusability.\n\nAnd then last, if we’re gonna have users own the data, and if we’re gonna have users decide how that data gets used, and if we’re gonna make it reusable, we need a good interface.\n\n## 4. Create a Good Interface\n\nBlockchain right now has a terrible, terrible interface.\n\nBloom: I’ll be the first to admit it, if you wanna set up a Bloom ID, you need Ethereum, you need Bloom Token, you need Metamask, you need to understand how to even, like somebody mentioned, onboarding Fiat earlier, you need to have Fiat to buy this. It’s a nightmare. It’s like a half hour to an hour process.\n\nWe’re working on a mobile application that will streamline the whole onboarding system, no gas fees, no dealing with Ethereum, just using an app like you normally would in the real world, something like Nerd Wallet or any of the other lending credit assessment or any of the lending apps.\n\nTo create data sharing models that work:\n\n- You need to remember that you need to put the user first.\n- You need to work on reusability of information.\n- You need to limit access to that information\n- Get the data out of the hands of central parties.\n\nMy name is Jesse. You can reach me at [email protected], and that’s my talk. Thank you.",
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      "body": "https://steemitimages.com/DQmRfuK4dSNuqehMCMF9VyaWx6kFzNothvj5NQyfeKzFbL2/image.png\n\nEvery moment, servers are logging, cataloging, and selling your personal, private information.\n\nIt’s not just your credit score.\n\nYour utility bill payments, cell phone records, insurance payments, auto history, court records, credit score, identity information, social security records, address history and hundreds of other pieces of information are amassed into giant data warehouses where it’s packaged and sold to data farms, lenders, and banks.\n\nDepending on your demographic and where you live, your personal data can be worth upwards of $100 per year, or more. To see the sheer size of the industry, Experian, Equifax, Transunion amassed over $10B in revenue from the sale of personal information.\n\nThis a prevalent business that is also seen through tech companies like Facebook and Google. These businesses make huge amounts of revenue off of owning your data and in turn, selling your data.\n\nThis calls into question: **What responsibility do companies bear when it comes to holding your data?**\n\nThis debate is most notably seen in the recent headlines of the scandal with Cambridge Analytica, which worked with Donald Trump’s election team to collect data on Facebook users to influence votes. The data breach impacted over [87 million users](https://www.theguardian.com/technology/2018/apr/08/facebook-to-contact-the-87-million-users-affected-by-data-breach). Mark Zuckerberg testified before Congress on this topic.\n\nIn the case of the credit bureaus, nothing you can do will protect you from these businesses profiting off of the backs of your daily habits.\n\n**You can’t opt out.**\n\nTheoretically, you could live an all-cash lifestyle. This would mean never requesting credit from any bank or any lender, but even then your information could still wind up being sold to the credit companies through non-credit sources like cable or phone companies, property tax bills, or doctors’ offices.\n\n## The Great Debate: Who Owns Your Data?\n\nHave you ever gotten a “pre-approval” card in the mail? If you have, this means that the sending company bought your data, mined it, and thought you were valuable enough to send you an offer for a product which, in turn, makes them even more money off of you.\n\n> “It’s a pretty simple business model, actually. They gather as much information about you from lenders, aggregate it, and sell it back to them,” said Brett Horn, an industry analyst with Morningstar.\n\nThe data industry is a murky one.\n\nRiddled with scams, dark markets, and illegal underground sources of data, the problem is only getting worse. According to the latest reports from the [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/), an estimated 10,000 different companies and sources report information about you to Equifax, TransUnion and Experian. Analysts’ figures show that number climbing to more than 30,000 in the next 10 years.\n\nIn 2017, Equifax was hacked, leaking the private information of more than 145 million Americans. This was one of the most notable leaks in recently history.\n\nAdditionally, two years before that, [123 million American households](http://fortune.com/2017/12/22/experian-data-breach-alteryx-amazon-equifax/) had sensitive information publicly exposed due to the negligence of Alteryx, a marketing analytics firm. These details included street addresses, demographics, and finances for families, as well as private information pertaining to house and auto ownership. It turns out that the firm got this information from Experian, which collected and sold the firm the data as part of its “ConsumerView” product for marketers.\n\n## Blockchain Offers an Alternative Path\n\nIn the past, consumers had little recourse, but to claim that central data collection firms are a “necessary evil”, but with today’s advancements, there is a new truth.\n\nAt Bloom, we give users the power to take back their data. We give users the power to own their own data, and decide how it’s used, how it’s sold.\n\nWith Bloom:\n\n- You own your data\n- You control access to your data\n- You decide when you share your data and who you share it with\n\nWe are building Bloom to bring credit to the modern age. Bloom is an end-to-end protocol for identity verification, risk assessment and credit scoring, entirely on the blockchain.\n\nWe’re ready for a better and more secure future. Join us below!\n\n## Learn More About Bloom\n\n- Check out the [Bloom Website](https://bloom.co/)\n- Come Chat on [Bloom Telegram](https://t.me/bloomprotocol)\n- Read the [Bloom Blog](https://blog.hellobloom.io)\n- Read the [Bloom Whitepaper](https://bloom.co/whitepaper.pdf)\n- [What is Bloom?](https://blog.hellobloom.io/introducing-bloom-the-future-of-credit-3b0d6ee04f24)",
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      "body": "Bloom’s mission is to build a robust global credit infrastructure on the blockchain. We are well on our way, with what has been a truly outstanding quarter — please reflect with us on the considerable progress made over the past few months.\n\n**We have made significant strides in our product and have hit some incredible milestones!**\n\nIn this post, I share with you a recap of the past few months (in what we are roughly calling “Q1”). During this time, we:\n\n- Launched Phase 1, so users can create their BloomID, globally federated identity on the blockchain\n- Launched the Testnet release of the Phase 2 deployment\n- Introduced phone number attestations\n- Broke records on dapp and user growth\n- Had over 10,000 users create BloomIDs\n- Became a top 10 dapp by number of users\n- Conducted research for the Bloom Economic Research Division\n- Announced exciting partnerships with amazing companies\n- Introduced engaging initiatives for our passionate community\n- Held regular livestreams\n- Introduced and competed the Bloom Meme Contest\n- And more- keep reading!\n\n## Testnet Launch of Phase 2 Attestations\n\nAfter more than 6 months of development, we are incredibly excited to announce the [Testnet release of the Phase 2 deployment](https://blog.hellobloom.io/bloom-phase-2-on-testnet-e185c9a1e49e) of Bloom. The data industry is an opaque black box. The credit bureaus and giant tech businesses make huge revenues off of owning your data, selling your data.\n\nAt Bloom, we give users the power to take back their data. We give users the power to own their own data, and decide how it’s used, how it’s sold.\n\n**Phase 2 sets the infrastructure for a decentralized attestation-based system that allows you to be in control of your own data. It’s the cornerstone for all future developments.**\n\nPhase 2 brings:\n\n- The first rollout of the Bloom attestation & identity platform, starting with phone attestation\n- Our first live attester and data partner integrations\n- Numerous user interface enhancements\n- Smart contract upgrades (support for multiple ETH addresses per user in the AccountRegistry)\n- Protocol level improvements in preparation for the Bloom mobile app release\n- Renewed interfaces that are friendly to both crypto newcomers and experts.\n\nhttps://steemitimages.com/DQmQpeVoyBkQwc4YmvHVWJsAAjRQY2XEyagAhHuBdfaf7PQ/image.png\n\n## Voting in Polls\n\nMembers voted on key decisions including the mechanics of peer-to-peer staking and which languages to prioritize for translation.\n\nYou can now create a BloomID, cast your votes and help shape the evolution of the Bloom protocol and the global credit system.\n\nhttps://steemitimages.com/DQmYqTnzSGR8F7w4WntHhPwnDtV13j9MkvoCX6uAZF1zAQ8/image.png\n\n## Over 10,000 BloomIDs Created\n\nRecently, we surpassed a huge milestone! **Well over 10,000 users have created a BloomID.**\n\nWe’re proud to share that with over 17,000 token holders, over 60% of our user base has interacted and used the product. This is a fantastic sign for user growth. We are continuously seeking feedback with the goal of building a better product.\n\nhttps://steemitimages.com/DQmbLdA3ytUaXwUXhPPhCJpRgJj2rAnbTLhMLEargzsawX3/image.png\n\nAdditionally, it’s exciting to share that Bloom is now a **top 10 dapp by number of users**. According to [State of the Dapps](https://www.stateofthedapps.com/), there are more than 1200 projects built on Ethereum. Dapps — short for ‘decentralized application’ — are applications running on Ethereum. Their site ranks smart contract based dapps on their user activity.\n\nhttps://steemitimages.com/DQmYmJguhxfGGPJAeSGAkSfLdz4hRLiuTn5eiWoQgtCD1eZ/image.png\n\nhttps://steemitimages.com/DQmXJN1fMvBn6SG88JqAijCTes4sx2eJq7CPW2dSLAJhqcz/image.png\n\n## Research from the Bloom Economic Research Division (BERD)\n\nhttps://steemitimages.com/DQmdADEbugY8jNjXFc6yPc2hfYNp3CS5KZjDzB3MJd7FbwY/image.png\n\nBERD’s mission to open source our learnings, research and interviews to create a more inclusive, global, personal credit system. Over the past few months, we have been critically conducting research into the state of credit, and are now ready to start sharing the early findings in the form of interviews and reports.\n\nTo kick things off, we were excited to launch the new series Credit conversations. This new series “Credit Conversations” is more than numbers and data. We were on the ground interviewing people across the world, highlighting deeply personal stories that reflect a raw and holistic view of credit. This series features interviews with people on their diverse experiences and life journeys, raising awareness how credit impacts all of us.\n\nStay tuned for more research and interviews. Check out the [first interview here](https://steemit.com/digitalidentity/@dereksilva/credit-conversations-interview-with-a-professor).\n\n## Partnerships\n\nBloom has a greater, global mission of providing the core infrastructure for decentralized credit. This will be a collective effort from many stakeholders who share the same mission of a better credit system. Among these stakeholders are lenders, identity attestors, data providers and more. Bloom protocol offers innovations for both traditional businesses as well as crypto and digital asset lenders. We are looking forward to building the future of credit with teams that share our mission of a better system.\n\nCheck out the newest partners below.\n\n### BlockFi\n\nhttps://steemitimages.com/DQmbBkDYaeLJg5Nz3ewPTmTEmeencPRV8ANphb6ezNMXase/image.png\n\nWe are excited to announce Bloom’s partnership with BlockFi — a lender that provides USD loans to crypto owners. Their mission is to build diversified offerings for the blockchain asset sector and financial products that meet the needs of individuals and institutions that hold blockchain assets. BlockFi aims to provide liquidity by building products that provide flexible lending structures and the best borrowing rates for crypto asset holders.\n\nRead more here: https://blog.hellobloom.io/bloom-lending-spotlight-blockfi-e499833cb053\n\n### SpringRole\n\nhttps://steemitimages.com/DQmSAR91Q8nRCNFRxGW2ZdhQJrJamyywsptfWQCMF4eAKnV/image.png\n\nSpringRole is a decentralized protocol for attestations of professional profiles.\n\nThe goal of SpringRole is to become the first professional reputation network to be built on the blockchain, eliminating fraud from user profiles and improving transparency. SpringRole data will be included into BloomID’s as part of our BloomIQ protocol. This means lenders, employers, and applications built on top of the Bloom Protocol will be able to access SpringRole attestations tied to a users BloomID.\n\nRead more here: https://blog.hellobloom.io/partnership-enhancing-bloomid-with-employment-attestations-through-springrole-134417403152\n\n### Ripio Credit Network\n\nhttps://steemitimages.com/DQmdTE1svfxKG7SPxVLiAciNmiitsT8aygdhjsVuZMnXPCU/image.png\n\nRCN’s primary mission is to democratize the access to digital credit, starting in Latin America. As a network, users can access peer-to-peer lending services, regardless of where the lender and borrowers live, or the currency they use. They are leveraging BloomID and BloomIQ for companies providing services through RCN, which can improve enforceability and payback rate of loans by verifying a user’s identity and connecting their payback to a global reputation system.\n\nRead more here: https://blog.hellobloom.io/how-rcn-and-bloom-will-expand-credit-in-latin-america-e4fd7f6c72a0\n\nIn addition to these new partners, please check out more of our partners here: https://blog.hellobloom.io/bloom-partner-round-up-2c445d355ae0\n\n## Bloom in the News\n\nThere are big conversations happening now surrounding data privacy, security as seen through the Equifax hack, and the effects of centralization. Bloom is leading this by providing a new vision for the future of credit. See these important topics covered in Venture Beat, Forbes, Entrepreneur, and more.\n\nCheck out our press here: https://blog.hellobloom.io/bloom-in-the-news-1a8ab9340e35\n\nhttps://steemitimages.com/DQmYxbXt3RcN7qydxGUVf5sYBQAQn57bQZWFHJy96CBvJkq/image.png\n\n## Community Programming\n\nWe’re redefining the way credit and finance is conducted, paving the transition from a central corporate led system to a decentralized community led system. Part of this means we need a strong, engaged community.\n\nWe have been blown away by the ongoing support for Bloom. We’ve had thousands join our journey and we are extremely grateful for the overwhelming positivity from our community.\n\nThis past year, we launched [The Bloom Community Alliance Program](https://blog.hellobloom.io/introducing-the-bloom-community-alliance-program-cdb564973ba4), which is committed to working closely with the community to building Bloom together. You can see the program in action through regular updates, community feedback on the product and partnerships, as well as our newly launched livestreams.\n\n### Livestreams\n\nhttps://steemitimages.com/DQmNktNJtVjVRNkRWhRzCJQJwEgWLeZqpK5B9gHiVysga2U/image.png\n\nWe started a regular livestream program to connect with our most passionate users who want the latest updates on Bloom. We aim to stream these every month and [answer questions](https://bloomteam.typeform.com/to/KcRgOq) from the community. Immediately after each livestream, we hold an AMA for the community to engage and discuss.\n\nCheck out the recap for [January](https://blog.hellobloom.io/bloom-community-alliance-livestream-1-recap-analysis-b97ca677ed55) and [February](https://blog.hellobloom.io/livestream-2-recap-f66d79a689d2).\n\n### Meme Contest\n\nhttps://steemitimages.com/DQmNbADBwFdRA7Egw4wgfBpmPCGFDe8hxta9GRjbxZisVSB/image.png\n\nWe had a little fun this quarter with a meme contest that rewarded users with BLT for top-quality memes. It was a fun way to help drive more awareness about Bloom, Bloom’s mission, and reach individuals who were new to the project. It was a pleasure to see community members get creative and show Bloom pride.\n\nHere are all meme contest submissions in an [album on Imgur](https://imgur.com/a/vug78).\n\nCheck out the winners: https://blog.hellobloom.io/announcing-meme-contest-winners-671c9984606e\n\nLearn more about [Bloom](https://bloom.co).",
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      "body": "https://steemitimages.com/DQmPWoa5D7f33wmv7vepapX3F7qAYsZ2EJzXY7y5bwiiCRM/image.png\n\nProviding a good user experience is fundamental to building good products. This is one of the most important aspects that drive user adoption and determine the products that people love. At Bloom, we aim to create amazing user experiences that satisfy the end-user (you)!\n\nWhile it’s not obvious at first glance, it’s the little things that really count in driving amazing user experiences. User experience specialists focus on things like reducing page load by 50ms and turning “three click” product interactions into “two click” product interactions. If you look at conversion funnels, you’ll see that every additional bit of work the end user has to do, ultimately results in a portion of users giving up part way through the flow.\n\ndApps have room to grow on this front. Most dapps are still clunky and hard-to-use.\n\nFor example, imagine you’re creating a decentralized professional social network. What steps does a user who doesn’t own Ethereum need to do in order to sign up and invite another user to connect?\n\n1. Visit your signup page and fill out some basic signup information (email, name)\n2. Install Metamask\n3. Sign up for Coinbase\n4. Buy Ethereum\n5. Transfer that Ethereum to their Metamask\n6. Create an account within your smart contract\n7. Wait for that transaction to mine\n8. Invite their acquaintance to connect via your smart contract and wait for that to mine too\n\nAs the cherry on top, each transaction they submit to the blockchain prompts the user with an intimidating and opaque popup:\n\nhttps://steemitimages.com/DQmSCP8P83rjy57vWW5NSFXz3qLc7iaa4GbQFyPBfi4aK7D/image.png\n\nThat is optimistically a 30 minute process that involves installing an extension, signing up for another website, and spending money.\n\nAt Bloom, we’re focused on making our dApp user experience simple and easy. In this post, I share some techniques we’ve had success with and how we’re looking to improve even further.\n\n## Explaining Transactions\n\nOften times, the design needs of your dApp are at odds with the security requirements of third party wallets like Metamask. In some ways this is obvious — they can’t just share the private key with your website because malicious websites would use that to steal a user’s ETH. Other implications are less obvious — for example, your dApp isn’t allowed to display explainer text underneath the transaction dialogue because a malicious website could put whatever text they want there too. In other words, we can’t tell Metamask to say “This transaction casts a vote in Bloom’s poll” for our poll transactions because then a malicious site could say the same, but actually steal from us.\n\nWhenever the user is going to use Metamask in a new way, our app should explain what we’re doing. Here is what it looks like for a user to vote in a Bloom poll:\n\nhttps://steemitimages.com/DQmXX2av5pAd9JCT8o49pgzD9yLekKoBLQPsMzcbJcuDoxa/image.png\n\nBefore Metamask opens, we are able to tell the user:\n\n1. You’re casting a vote.\n2. We’ve set the gas price and limit for you.\n3. You don’t need to change those values. We figured it out for you.\n\nThis is a big improvement! Plenty of users aren’t familiar with what gas is and whether they can edit it. Explaining before they see Metamask lets them know things are working correctly.\n\nIt is important to have the user click “continue” before they actually see Metamask. Showing the modal at the same time means the user might read Metamask first or miss the popup by focusing on the modal. Even if they see both, they might try to figure out the Metamask dialogue first and not read the instructions in time.\n\n## Managing Transactions for Users\n\nIn our most recent product release for Bloom, we added the ability to verify your phone number via SMS and save the verification to the blockchain. This involves two Ethereum transactions, but the end user doesn’t pay anything in gas!\n\nWe do this by using the signTypedData API introduced in [EIP #712](https://github.com/0xProject/EIPs/blob/master/EIPS/eip-signTypedData.md). Metamask exposes this feature which means you can use it in your dApp.\n\nRemember that professional social network example from the start? If we design that dApp around users signing data to approve operations, we can simplify the experience:\n\nFill out some basic signup information (email, name) like they would for a normal website\n\n1. Install Metamask\n2. Click “sign” on a window that says they are creating an account\n3. Click “sign” on a window that says they are inviting another user to connect\n4. Click “sign” on a window that says they are inviting another user to connect\n\nThe user isn’t submitting the transactions, the backend of our app is, so they don’t have to wait for the **Create Account** transaction to mine before using the **Invitation to Connect** feature. As long as our backend verifies the signatures are correct and from the right user, we can ensure the transactions are submitted in the correct order on the backend. Using **signTypedData** also makes the Metamask dialogues comprehensible!\n\nhttps://steemitimages.com/DQmaeJHdhKtfpen75hheGWP6ubA4YPzzRrZaSvm6EiZUQwo/image.png\n\nImplementing this is pretty straightforward in our smart contracts. Here are the important parts:\n\n```\ncontract EthedIn {\n  // Digest describing the data the user signs.\n  // Needs to match what is passed to Metamask.\n  bytes32 public constant delegationHash =\n    keccak256(\"string Action\", \"address Address\");\n\n  // Create account for a user using the signature they provided\n  //\n  //   * Only approved transaction delegators are allowed to call this\n  //   * _sender should be the address included in the signature as well\n  //     as the address that would be submitting this transaction\n  //     if it were not delegated\n  function createAccountFor(\n    bytes _delegationSig,\n    address _sender\n  ) public onlyTxDelegator {\n    // Recreate the digest the user signed\n    bytes32 _delegationDigest =\n      keccak256(delegationHash, keccak256(\"Create Account\", _sender));\n\n    // Recover the signer from the digest.\n    address _signer = recoverSigner(_delegationDigest, _delegationSig);\n    // Check that it matches the claimed sender\n    require(_sender == _signer);\n\n    // Call the actual create account function\n    createAccountForUser(_sender);\n  }\n\n  // Actually create the account\n  function createAccountForUser(address _address) private { /* ... */ }\n}\n```\n\nOnce you get it working once, it is easy to adapt to any user facing function you need. A few notes here:\n\n1. You don’t have to include the **Action** part, but I like that it helps describe to the end user what is going on\n2. The **signTypedData** API is nice because the schema describing the data is hashed before the data itself which means we can precompute this value in our contract and store it as a constant. This reduces computation inside of transactions\n3. The **createAccount** function is special because we can reuse the **_sender** as the assumed **_address** in the signature. If we were writing **inviteToConnect** then the params would be longer. Something like **inviteToConnect(string _message, address_to, bytes _delegationSig, address _sender);**\n4. For brevity, I didn’t include the implementation of recoverSigner. Look into [ECRecovery](https://github.com/OpenZeppelin/zeppelin-solidity/blob/v1.8.0/contracts/ECRecovery.sol) if you’re interested in this.\n\nCreating our createAccount in Metamask would look like this:\n\n```\nconst user = web3.eth.accounts[0];\n\nconst sigInput = [\n  { type: \"string\", name: \"Action\", value: \"Create Account\" },\n  { type: \"address\", name: \"Address\", value: user           }\n];\n\nweb3.currentProvider.sendAsync(\n  { method: \"eth_signTypedData\", params: [sigInput, user], from: user },\n  handleSignature\n);\n```\n\n## Keeping Things Decentralized\n\nBuilding products for the crypto community is tricky — there are a lot of vocal and opinionated users with their own ideas on how things should work. One tough tradeoff is usability vs. purity of decentralization. You’ll see both of these types of users:\n\n1. **New to Crypto** — Why do I have to install Metamask? Why do I have to pay for gas? Why is this taking so long?\n2. **Hardcore Decentralizer** — I don’t want to use Metamask. Why can’t I just sign transactions offline with my Trezor? You don’t use _[brand new decentralized technology]?_ Does that mean you’re basically centralized?\n\nThe signature oriented functionality makes the new-to-crypto user happy. You should add normal functions the end user can submit to the contracts so that the minority of hardcore users can do so. Adding the direct functionality for **createAccount** is simple:\n\n```\nfunction createAccount() public {\n  createAccountForUser(msg.sender);\n}\n```\n\n## Future Work\n\nAt Bloom we’re trying to transition all of our existing dApp functionality to use what I’ve described in this post. Every wallet interaction should be explained and confirmed by the user. Smart contract interaction should be facilitated via signature oriented smart contract functionality with an escape hatch for the hardcore users.\n\n**Our north star for dApp development is to make our products feel like really satisfying non-blockchain products.** Blockchain and asymmetric cryptography should only peek out from under the hood when it makes the app experience better. To give you an idea of what this means:\n\n- **Don’t** make the user wait to see if their transaction was mined\n- **Don’t** put Ethereum addresses at the center of the user experience when possible. For example, inviting a friend to Bloom shouldn’t involve the user asking their friend “what is your Ethereum address?”\n- **Do** use private keys for authentication instead of passwords. Private keys are better than risking users reusing passwords across the web.\n- **Do** embrace users having multiple addresses. If a user owns 10k BLT then they should be able to put that in cold storage while using a different ETH address for custodial transactions like voting in a poll.\n\nWhile we’re very happy with the user experience improvements we outlined in the previous sections, we could do better. Here is what we’re working towards long term:\n\n- **Working without an extension** — When it is out of beta, we would like to integrate [Metamascara](https://github.com/MetaMask/mascara) into our web dApp. This will defer the need to install a chrome extension so it doesn’t gum up the on-boarding flow. We can always prompt the user to install the extension down the road. If they do, the app should gracefully disassociate Metamascara addresses and replace them with Metamask addresses.\n- **Moving signatures behind the scene on mobile** — We’re working on mobile applications for iOS and Android. When these are ready, they will reduce and eventually eliminate the need for an in-browser wallet for the user. With our own mobile app which manages private keys that are only allowed to be used to interact with Bloom, we’ll have a wallet experience that we can fully control. As a result, certain signatures can happen fully behind the scenes or be part of a normal button click. The user won’t even know when the blockchain is involved!\n- **Extend smart contracts to anticipate common flows** — A big bottleneck in user experience can be introduced by requiring two Ethereum transactions back to back which depend on each other. For example, to verify your phone for BloomID the end user first needs to add a signature of their phone number and a nonce to our identity contract and then request a verification via our attestation contract. The second transaction depends on the output of the first so it can specify what identity information is being verified. Performing two verifications back to back is slow and it is confusing as the user to sit and wait for two minutes. We should build our contracts to anticipate these flows such that the user can just sign one thing and a batching contract will call both functions back to back.\n\nBy batching common product flows, moving transactions behind the scenes via mobile apps, and removing hard dependencies on browser extensions from the on boarding experience, we’ll get much closer to that north star we want.\n\n_Did you make it all the way to the end of this post? Are you interested in working on the frontier of dApp development with us? Reach out! [email protected]_",
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      "body": "Hi! I am a robot. I just upvoted you! I found similar content that readers might be interested in:\nhttps://blog.hellobloom.io/how-to-make-a-user-friendly-ethereum-dapp-5a7e5ea6df22",
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      "body": "https://steemitimages.com/DQmPWoa5D7f33wmv7vepapX3F7qAYsZ2EJzXY7y5bwiiCRM/image.png\n\nProviding a good user experience is fundamental to building good products. This is one of the most important aspects that drive user adoption and determine the products that people love. At Bloom, we aim to create amazing user experiences that satisfy the end-user (you)!\n\nWhile it’s not obvious at first glance, it’s the little things that really count in driving amazing user experiences. User experience specialists focus on things like reducing page load by 50ms and turning “three click” product interactions into “two click” product interactions. If you look at conversion funnels, you’ll see that every additional bit of work the end user has to do, ultimately results in a portion of users giving up part way through the flow.\n\ndApps have room to grow on this front. Most dapps are still clunky and hard-to-use.\n\nFor example, imagine you’re creating a decentralized professional social network. What steps does a user who doesn’t own Ethereum need to do in order to sign up and invite another user to connect?\n\n1. Visit your signup page and fill out some basic signup information (email, name)\n2. Install Metamask\n3. Sign up for Coinbase\n4. Buy Ethereum\n5. Transfer that Ethereum to their Metamask\n6. Create an account within your smart contract\n7. Wait for that transaction to mine\n8. Invite their acquaintance to connect via your smart contract and wait for that to mine too\n\nAs the cherry on top, each transaction they submit to the blockchain prompts the user with an intimidating and opaque popup:\n\nhttps://steemitimages.com/DQmSCP8P83rjy57vWW5NSFXz3qLc7iaa4GbQFyPBfi4aK7D/image.png\n\nThat is optimistically a 30 minute process that involves installing an extension, signing up for another website, and spending money.\n\nAt Bloom, we’re focused on making our dApp user experience simple and easy. In this post, I share some techniques we’ve had success with and how we’re looking to improve even further.\n\n## Explaining Transactions\n\nOften times, the design needs of your dApp are at odds with the security requirements of third party wallets like Metamask. In some ways this is obvious — they can’t just share the private key with your website because malicious websites would use that to steal a user’s ETH. Other implications are less obvious — for example, your dApp isn’t allowed to display explainer text underneath the transaction dialogue because a malicious website could put whatever text they want there too. In other words, we can’t tell Metamask to say “This transaction casts a vote in Bloom’s poll” for our poll transactions because then a malicious site could say the same, but actually steal from us.\n\nWhenever the user is going to use Metamask in a new way, our app should explain what we’re doing. Here is what it looks like for a user to vote in a Bloom poll:\n\nhttps://steemitimages.com/DQmXX2av5pAd9JCT8o49pgzD9yLekKoBLQPsMzcbJcuDoxa/image.png\n\nBefore Metamask opens, we are able to tell the user:\n\n1. You’re casting a vote.\n2. We’ve set the gas price and limit for you.\n3. You don’t need to change those values. We figured it out for you.\n\nThis is a big improvement! Plenty of users aren’t familiar with what gas is and whether they can edit it. Explaining before they see Metamask lets them know things are working correctly.\n\nIt is important to have the user click “continue” before they actually see Metamask. Showing the modal at the same time means the user might read Metamask first or miss the popup by focusing on the modal. Even if they see both, they might try to figure out the Metamask dialogue first and not read the instructions in time.\n\n## Managing Transactions for Users\n\nIn our most recent product release for Bloom, we added the ability to verify your phone number via SMS and save the verification to the blockchain. This involves two Ethereum transactions, but the end user doesn’t pay anything in gas!\n\nWe do this by using the signTypedData API introduced in [EIP #712](https://github.com/0xProject/EIPs/blob/master/EIPS/eip-signTypedData.md). Metamask exposes this feature which means you can use it in your dApp.\n\nRemember that professional social network example from the start? If we design that dApp around users signing data to approve operations, we can simplify the experience:\n\nFill out some basic signup information (email, name) like they would for a normal website\n\n1. Install Metamask\n2. Click “sign” on a window that says they are creating an account\n3. Click “sign” on a window that says they are inviting another user to connect\n4. Click “sign” on a window that says they are inviting another user to connect\n\nThe user isn’t submitting the transactions, the backend of our app is, so they don’t have to wait for the **Create Account** transaction to mine before using the **Invitation to Connect** feature. As long as our backend verifies the signatures are correct and from the right user, we can ensure the transactions are submitted in the correct order on the backend. Using **signTypedData** also makes the Metamask dialogues comprehensible!\n\nhttps://steemitimages.com/DQmaeJHdhKtfpen75hheGWP6ubA4YPzzRrZaSvm6EiZUQwo/image.png\n\nImplementing this is pretty straightforward in our smart contracts. Here are the important parts:\n\n```\ncontract EthedIn {\n  // Digest describing the data the user signs.\n  // Needs to match what is passed to Metamask.\n  bytes32 public constant delegationHash =\n    keccak256(\"string Action\", \"address Address\");\n\n  // Create account for a user using the signature they provided\n  //\n  //   * Only approved transaction delegators are allowed to call this\n  //   * _sender should be the address included in the signature as well\n  //     as the address that would be submitting this transaction\n  //     if it were not delegated\n  function createAccountFor(\n    bytes _delegationSig,\n    address _sender\n  ) public onlyTxDelegator {\n    // Recreate the digest the user signed\n    bytes32 _delegationDigest =\n      keccak256(delegationHash, keccak256(\"Create Account\", _sender));\n\n    // Recover the signer from the digest.\n    address _signer = recoverSigner(_delegationDigest, _delegationSig);\n    // Check that it matches the claimed sender\n    require(_sender == _signer);\n\n    // Call the actual create account function\n    createAccountForUser(_sender);\n  }\n\n  // Actually create the account\n  function createAccountForUser(address _address) private { /* ... */ }\n}\n```\n\nOnce you get it working once, it is easy to adapt to any user facing function you need. A few notes here:\n\n1. You don’t have to include the **Action** part, but I like that it helps describe to the end user what is going on\n2. The **signTypedData** API is nice because the schema describing the data is hashed before the data itself which means we can precompute this value in our contract and store it as a constant. This reduces computation inside of transactions\n3. The **createAccount** function is special because we can reuse the **_sender** as the assumed **_address** in the signature. If we were writing **inviteToConnect** then the params would be longer. Something like **inviteToConnect(string _message, address_to, bytes _delegationSig, address _sender);**\n4. For brevity, I didn’t include the implementation of recoverSigner. Look into [ECRecovery](https://github.com/OpenZeppelin/zeppelin-solidity/blob/v1.8.0/contracts/ECRecovery.sol) if you’re interested in this.\n\nCreating our createAccount in Metamask would look like this:\n\n```\nconst user = web3.eth.accounts[0];\n\nconst sigInput = [\n  { type: \"string\", name: \"Action\", value: \"Create Account\" },\n  { type: \"address\", name: \"Address\", value: user           }\n];\n\nweb3.currentProvider.sendAsync(\n  { method: \"eth_signTypedData\", params: [sigInput, user], from: user },\n  handleSignature\n);\n```\n\n## Keeping Things Decentralized\n\nBuilding products for the crypto community is tricky — there are a lot of vocal and opinionated users with their own ideas on how things should work. One tough tradeoff is usability vs. purity of decentralization. You’ll see both of these types of users:\n\n1. **New to Crypto** — Why do I have to install Metamask? Why do I have to pay for gas? Why is this taking so long?\n2. **Hardcore Decentralizer** — I don’t want to use Metamask. Why can’t I just sign transactions offline with my Trezor? You don’t use _[brand new decentralized technology]?_ Does that mean you’re basically centralized?\n\nThe signature oriented functionality makes the new-to-crypto user happy. You should add normal functions the end user can submit to the contracts so that the minority of hardcore users can do so. Adding the direct functionality for **createAccount** is simple:\n\n```\nfunction createAccount() public {\n  createAccountForUser(msg.sender);\n}\n```\n\n## Future Work\n\nAt Bloom we’re trying to transition all of our existing dApp functionality to use what I’ve described in this post. Every wallet interaction should be explained and confirmed by the user. Smart contract interaction should be facilitated via signature oriented smart contract functionality with an escape hatch for the hardcore users.\n\n**Our north star for dApp development is to make our products feel like really satisfying non-blockchain products.** Blockchain and asymmetric cryptography should only peek out from under the hood when it makes the app experience better. To give you an idea of what this means:\n\n- **Don’t** make the user wait to see if their transaction was mined\n- **Don’t** put Ethereum addresses at the center of the user experience when possible. For example, inviting a friend to Bloom shouldn’t involve the user asking their friend “what is your Ethereum address?”\n- **Do** use private keys for authentication instead of passwords. Private keys are better than risking users reusing passwords across the web.\n- **Do** embrace users having multiple addresses. If a user owns 10k BLT then they should be able to put that in cold storage while using a different ETH address for custodial transactions like voting in a poll.\n\nWhile we’re very happy with the user experience improvements we outlined in the previous sections, we could do better. Here is what we’re working towards long term:\n\n- **Working without an extension** — When it is out of beta, we would like to integrate [Metamascara](https://github.com/MetaMask/mascara) into our web dApp. This will defer the need to install a chrome extension so it doesn’t gum up the on-boarding flow. We can always prompt the user to install the extension down the road. If they do, the app should gracefully disassociate Metamascara addresses and replace them with Metamask addresses.\n- **Moving signatures behind the scene on mobile** — We’re working on mobile applications for iOS and Android. When these are ready, they will reduce and eventually eliminate the need for an in-browser wallet for the user. With our own mobile app which manages private keys that are only allowed to be used to interact with Bloom, we’ll have a wallet experience that we can fully control. As a result, certain signatures can happen fully behind the scenes or be part of a normal button click. The user won’t even know when the blockchain is involved!\n- **Extend smart contracts to anticipate common flows** — A big bottleneck in user experience can be introduced by requiring two Ethereum transactions back to back which depend on each other. For example, to verify your phone for BloomID the end user first needs to add a signature of their phone number and a nonce to our identity contract and then request a verification via our attestation contract. The second transaction depends on the output of the first so it can specify what identity information is being verified. Performing two verifications back to back is slow and it is confusing as the user to sit and wait for two minutes. We should build our contracts to anticipate these flows such that the user can just sign one thing and a batching contract will call both functions back to back.\n\nBy batching common product flows, moving transactions behind the scenes via mobile apps, and removing hard dependencies on browser extensions from the on boarding experience, we’ll get much closer to that north star we want.\n\n_Did you make it all the way to the end of this post? Are you interested in working on the frontier of dApp development with us? Reach out! [email protected]_",
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      "body": "https://steemitimages.com/DQmdADEbugY8jNjXFc6yPc2hfYNp3CS5KZjDzB3MJd7FbwY/image.png\n\n_This post is part of Bloom’s series: Credit Conversations. Credit Conversations is part of the Bloom Economic Research Division (BERD). BERD’s mission to open source our learnings, research and interviews to create a more inclusive, global, personal credit system._\n\n_This new series “Credit Conversations” will be more than numbers and data. We will be going on the ground, across the world, highlighting deeply personal stories that reflect a raw and holistic view of credit. This series features interviews with people on their diverse experiences and life journeys, raising awareness how credit impacts all of us._\n\n## Introducing Nolan\n\nWe would like to highlight the personal stories of our community to share the human stories behind credit. To kickoff our series, we would like to feature our guest Nolan*, a senior professor of engineering at a prominent California university. He immigrated from India to the United States and started teaching at the California university in 1995. With unique insights from his journey, he shares with us his deeply personal experiences and unique perspective on credit.\n\nNolan describes his hope for Bloom and what it can accomplish as “I hope [Bloom] can give power to customers to monitor and control their creditworthiness. Right now the credit scoring process is not in my hands; it’s in someone else’s hands.”\n\n## Immigration and Credit\n\nHis experience in moving to the US is far from singular. Research has estimated that around the world, there are [224 million people](http://www.pewresearch.org/fact-tank/2016/12/15/international-migration-key-findings-from-the-u-s-europe-and-the-world/) living in a country that is different from their country or territory of birth. In fact, international migrants comprise of 3.3% of the world’s population today.\n\nPew Research shares that the [U.S. has more immigrants](http://www.pewresearch.org/fact-tank/2016/05/18/5-facts-about-the-u-s-rank-in-worldwide-migration/) than any other country in the world. The US is recognized as the [land of opportunity](https://en.wikipedia.org/wiki/American_Dream), with many immigrating to the country with ambition and hope of a better life. The quintessential American Dream is first described in 1931 by [James Truslow Adams](https://www.loc.gov/teachers/classroommaterials/lessons/american-dream/students/thedream.html) in his book The Epic of America, as **“life should be better and richer and fuller for everyone, with opportunity for each according to ability or achievement”** regardless of social class or circumstances of birth. It’s been decades since the American Dream was defined, but the sentiment still holds true. In 2016, [1.49 million](https://www.migrationpolicy.org/article/frequently-requested-statistics-immigrants-and-immigration-united-states) foreign-born individuals moved to the United States.\n\nHowever, credit history does not translate cross national borders. Due to discrepancies in how data is collected and stored, as well as differences in regional laws and culture, there is no global credit score, making it significantly challenging to transfer credit history across national borders. This poses significant hurdles for new residents. Without existing credit history, new immigrants face challenges in getting loans, getting a credit card, buying a car, renting an apartment and many more functions of setting up a solid foundation.\n\nhttps://steemitimages.com/DQmP1MFZ7XMQ1jz8HaEGqn8E98FMDPg6JFv9zWGEKKzrGyd/image.png\n\n## Building Your Credit Score\n\nNolan shares his experience in increasing his credit score. Despite being highly educated with a long history of credit worthiness, the process of building credit history from scratch was daunting.\n\nHe describes the process, “It was very, very hard for me. The way that it worked was if you didn’t have a Social Security number, you didn’t have income and if you didn’t have income, you couldn’t get a credit card. I remember a time when the credit unions couldn’t issue me a lot of credit. I wanted to visit my sister in New York. So I went to the bank and they said ‘We’ll issue you a credit card with a $250 limit.’ But the ticket was $400 and I couldn’t even buy an airline ticket with my credit card. I remember I had some money in my bank account and I had to go to an agent and pay with a cashier’s check. In order to move past the $250 spending limit, I had to build up a credit history. I would pay for small things like groceries, gas and whatever I could to start building my credit trustworthiness. And then every year I would request an increase in my credit line. It took many, many years to get to a point where I could even get a car loan. That process took 6 years. But my mortgage loan took even longer! 15 years!”\n\n## Experiences with Credit\n\nhttps://steemitimages.com/DQmeiEyy5za6Q8AysbZsDNuJKcKHiqHZMrgQuapHcRKZaQM/image.png\n\nWith compromised credit cards and data breaches dominating the headlines, fraud is a concern that affects many. In fact, last year’s [Equifax breach](https://blog.hellobloom.io/the-latest-on-the-equifax-breach-dec-2017-720bdcb94038) impacted over 150 million Americans.\n\nNolan shares some of his experiences with fraud and how he learned to protect himself. One time he had his debit card hacked, “There was misuse of my debit card even when I had possession of it in my back pocket. Someone else had maxed out my debit card with $300 and the only reason I was notified of the unauthorized purchases was because I turned on my notifications. I think it was because I used the card at a gas station and there was no pin on it so anyone could use it.”\n\nWhen asked if he had any experience with identity fraud, he shared:\n\n“Yes! If someone gets access to your Social Security number, DOB and name, they can open a credit card in your name and start using that credit card. That is what happened in my case. Someone used my credit card, they didn’t pay, the account became delinquent and the bank came after me. The credit card was under another address, but the bank was able to track me to my real address. They told me, ‘You owe us $10,000’ but I had no idea there was another credit card opened in my name!”\n\nUnfortunately, when fraud occurs, it’s often a long and complicated process to set right. “The resolution took 6 months and hundreds of hours of paperwork, phone calls and being on hold. I had to get a police report, talk to the banks, and work with the three reporting agencies to reverse the damage. It became such a headache for me. I’m lucky because I knew what to do. But most people don’t know where to start if their identity is stolen.”\n\nTo protect himself now, he uses credit monitoring companies (which are often additional services that the same existing credit companies charge for) and put a freeze on his credit. “Now I pay extra money each year to keep a tab on Equifax. I have paid another private company to monitor my credit history and I have put a lock on issuing any loan under my name. So everything that happens comes through me. It’s not too much money, but it gives me a peace of mind.”\n\nThis serves to highlight one of the biggest problems with the existing credit system, which is that “There’s a monopoly of the three credit reporting companies — Equifax, Experian and Transunion. They are all private companies who use FICO scores and they collect data on citizens without their control and knowing. These three companies and one scoring company controlling this process is just not tangible. Additionally, it’s so difficult to get out of a bad credit situation. You have to pay third parties to improve your credit score when that happens.”\n\nOften times, it’s on the victim to “prove” they didn’t commit the fraud before institutions set it right. Nolan reflects, “I’ve also had a personal check fraud for $1000. That personal check was from many years ago and when it went through my account again, I said ‘How is this possible?’ I called my bank and they said there might’ve been a glitch where the same check number got attributed. This was before online banking so there was no history of my checks on the computer. But luckily, I had a folder of all my original checks and receipts and I went home and found a copy of that check. Then I went into the bank to prove to them my original check was not for $1000 and it was for some other amount. They admitted to their mistake and refunded me the amount, but they didn’t tell me if it was their fault or a successful double spending problem.”\n\n## The Future of Credit\n\nhttps://steemitimages.com/DQmeLjKASQihLttQ4d1J5ZtYoFsQfByShS2fEzm7WNntgFj/image.png\n\nAs a top professor at a prestigious California university, Nolan is understandably passionate about education and believes it is the key to helping others. One of the main challenges that he hopes Bloom can tackle and address is “the lack of financial education for everyday people. Most people don’t know they have a credit score when they get a Social Security number. So they might not know if they have a bad or good credit score until it’s too late.”\n\nNolan explains how decentralization can pave the future for safe credit scoring and address existing problems with our current system. “[What is needed is] some sort of decentralized system that becomes the reporting company. This will give individuals, banks, companies, and issuers the same level of interaction so you yourself can control and monitor your credit score. It provides transparency, but also privacy. The security aspect should also be addressed right away. This is the low hanging fruit. People who use the three reporting companies are dependent on the companies keeping their files safe. And with what happened with the Equifax breach, personal information got hacked and this is very dangerous.”\n\nIn fact, this is one of the reasons he is excited about Bloom. “The blockchain doesn’t care where you are physically. All you need is a private key and you can allow Bloom to give that to you. If you already have credit history, you need to convert your existing credit to Bloom’s new credit scoring system. But for users with no credit, they’ll start with Bloom. It would also give me a sense of security because now there is a three way agreement made between Bloom, the agency requesting the credit score and me as the consumer.”\n\n“Bloom should protect your credit score, be globally accessible and implement a unique identifier that isn’t only connected to your Social Security number.”\n\n**_Our new series “Credit Conversations” shares the humanity surrounding credit and highlights diverse experiences. If you would like to be featured, please email us at [email protected] with the subject “Credit Conversation”._**",
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      "body": "Thanks! You can look forward to more of Bloom's content appearing on Steemit in the future.",
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      "body": "Hi! I am a robot. I just upvoted you! I found similar content that readers might be interested in:\nhttps://blog.hellobloom.io/bloom-phase-2-on-testnet-e185c9a1e49e",
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      "body": "https://steemitimages.com/DQmRTESt8uteKYE7nVW74ycEUveebup6TydFMxTuegXsN6b/image.png\n\nAfter more than 6 months of development, we are incredibly excited to announce the Testnet release of the Phase 2 deployment of Bloom.\n\nPhase 2 is a big leap forward towards our mission of putting you in control of your data.\n\nEvery moment, servers are logging, cataloging, and selling your personal, private information.\n\nIt’s not just your credit score.\n\nYour utility bill payments, cell phone records, insurance payments, auto history, court records, credit score, identity information, social security records, address history and 100s of other pieces of information are amassed into giant data warehouses where it’s packaged and sold to data farms, lenders, and banks.\n\nYou can't opt out.\n\nThe data industry is an opaque black box. The credit bureaus and giant tech businesses make huge revenues off of owning your data, selling your data.\n\nAt Bloom, we give users the power to take back their data. We give users the power to own their own data, and decide how it's used, how it's sold.\n\nThe technology is early, and we have a long road ahead, but Phase 2 is the start of making this promise a reality.\n\n## What is Phase 2?\n\nPhase 2 Brings:\n\n- The first rollout of the Bloom attestation & identity platform\n- Our first live attester and data partner integrations\n- Numerous user interface enhancements\n- Smart contract upgrades (support for multiple ETH addresses per user in the AccountRegistry)\n- Protocol level improvements in preparation for the Bloom mobile app release\n- Renewed interfaces that are friendly to both crypto newcomers and experts.\n\n[Phase 2 allows users to verify their identity and begin the process of building out their BloomID.](https://app.bloom.co/identity) Users will now able to confirm identity information and connect to data attesters for BloomIQ.\n\n**More importantly, Phase 2 sets the infrastructure for a decentralized attestation-based system that allows you to be in control of your own data. It’s the cornerstone for all future developments.**\n\n## First Attestation is Here\n\nWe are proud to release today the first attestation, phone number attestation, which is a significant milestone in providing a technical framework for future attestations. You can expect other attestations like social media and email verification to follow shortly. Stay tuned as we will be releasing more soon.\n\nHere is how it works:\n\n1. The user provides their phone number.\n2. Bloom generates a nonce for the user.\n3. Attester broadcasts the cost of running the verification.\n4. Bloom collects signatures from both the User and Attester.\n5. User and Attester sign the “agreement” produced by Bloom regarding the attestation that will occur.\n6. Bloom broadcasts the attestation request to the network.\n7. Attester verifies the phone number and submits an attestation for that User’s BloomID.\n\nhttps://cdn-images-1.medium.com/max/1600/1*wpXH6iQphIWm95qHSPcYRg.png\n\n## About the Phase 2 Smart Contracts & Developer Ecosystem\n\nWe are releasing 3 smart contracts as part of the initial phase 2 release.\n\n- IdentityRepo\n- AttestationRepo\n- TokenEscrowMarketplace\n\nAll new contracts are designed around the principle of not making users pay gas prices. **For our early users, gas prices for these attestations are paid for by Bloom and will cost users 0 BLT and 0 ETH.**\n\nWe have revamped our account tracking system to support multiple addresses.\n\nWe are currently on Rinkeby so we can test more partner integrations before deploying the final contracts to Mainnet. Additionally, we will be undergoing audits before a Mainnet release.\n\nWhen you first access the new attestation interface, you will probably see this message:\n\nhttps://cdn-images-1.medium.com/max/1600/1*fyRmXBdwdOdQEncAwnJexA.png\n\nTo access the attestation interface click on the MetaMask icon in your web browser, click “Main Ethereum Network,” and then choose “Rinkeby Test Network” from the dropdown. The dApp tab should refresh, and then you will be able to proceed with verifying your phone number! We have provided a dropdown list of countries to choose from by clicking on the American flag.\n\nhttps://cdn-images-1.medium.com/max/1600/1*MjVFJxcdtTK6pDrrvtKyTg.png\n\n## What’s Next?\n\nPhase 2 is the precursor to an entirely decentralized creditworthiness assessment. This release lays the groundwork for a system that will not only allow users to check their score and apply loans, but Phase 2 is the first phase that will allow us to open up a developer ecosystem to lenders and attestors.\n\nThis release is just the start. We’ll be working through a number of releases over the upcoming months to improve and expand our attestation based system.\n\nInside of the dApp, you will see a number of “coming soon” features. These are in progress and under development. As more attestors join the Bloom network and integrate with the Phase 2 smart contracts, these too will come online.\n\nWith Bloom:\n\n- You own your data\n- You control access to your data\n- You decide when you share your data, and who you share it with\n- You pick which data you want to include as part of your identity\n\nAt Bloom, we are placing a big focus on becoming one of the first user friendly mainstream dApps.\n\nDApps have the promise to revolutionize the world. They can operate free of influence from a central government, monopoly, and without censorship. This is why Ethereum and Ethereum based tokens have seen a boom in the past few months.\n\nDespite this promise, dApps are still in the early stages. With the exception of Cryptokitties and Etherdelta, few dApps have reached the mainstream crypto audience.\n\nBloom’s mission is to create a user friendly DApp which mimics the experience of a traditional application.\n\nWe are working on expanding Phase 2 over the coming weeks and months with more data providers and identity traits. We’ll be rolling out an invite-based partner ecosystem for developers and partners integrating with Bloom. We’ve been heads down in developing a mobile dApp, slated for a Q2 release. We’ve made a number of technical and business hires to expand lending and data partnerships.\n\nThis is just the start.",
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