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      "author": "steemitboard",
      "permlink": "steemitboard-notify-gegak124-20190608t005329000z",
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      "body": "Congratulations @gegak124! You received a personal award!\n\n<table><tr><td>https://steemitimages.com/70x70/https://steemitboard.com/@gegak124/birthday1.png</td><td>Happy Birthday! - You are on the Steem blockchain for 1 year!</td></tr></table>\n\n<sub>_You can view [your badges on your Steem Board](https://steemitboard.com/@gegak124) and compare to others on the [Steem Ranking](https://steemitboard.com/ranking/index.php?name=gegak124)_</sub>\n\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": "You are receiving this because you signed up for the Caspian Challenge bonus (https://challenge.caspian.tech/)! Come say \"hi\" on Telegram (https://t.me/Caspian_Tech). Remember, there are more bonuses to earn on Telegram through the challenge! (https://challenge.caspian.tech/)"
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      "body": "Congratulations @gegak124! You have completed some achievement on Steemit and have been rewarded with new badge(s) :\n\n[![](https://steemitimages.com/70x70/http://steemitboard.com/notifications/firstpost.png)](http://steemitboard.com/@gegak124) You published your First Post\n[![](https://steemitimages.com/70x70/http://steemitboard.com/notifications/firstvote.png)](http://steemitboard.com/@gegak124) You made your First Vote\n[![](https://steemitimages.com/70x70/http://steemitboard.com/notifications/firstcomment.png)](http://steemitboard.com/@gegak124) You made your First Comment\n[![](https://steemitimages.com/70x70/http://steemitboard.com/notifications/firstvoted.png)](http://steemitboard.com/@gegak124) You got a First Vote\n\n<sub>_Click on the badge to view your Board of Honor._</sub>\n<sub>_If you no longer want to receive notifications, reply to this comment with the word_ `STOP`</sub>\n\n\n\n**Do not miss the [last post](https://steemit.com/steemitboard/@steemitboard/steemitboard-world-cup-contest-results-of-day-6) from @steemitboard!**\n\n---\n**Participate in the [SteemitBoard World Cup Contest](https://steemit.com/steemitboard/@steemitboard/steemitboard-world-cup-contest-collect-badges-and-win-free-sbd)!**\nCollect World Cup badges and win free SBD\nSupport the Gold Sponsors of the contest: [@good-karma](https://v2.steemconnect.com/sign/account-witness-vote?witness=good-karma&approve=1) and [@lukestokes](https://v2.steemconnect.com/sign/account-witness-vote?witness=lukestokes.mhth&approve=1)\n\n---\n\n> Do you like [SteemitBoard's project](https://steemit.com/@steemitboard)? Then **[Vote for its witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1)** and **get one more award**!",
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      "parent_permlink": "zerobank",
      "author": "gegak124",
      "permlink": "zero-bank",
      "title": "Zero Bank",
      "body": "ZeroBank is an innovative money transfer and exchange platform that allows instant non-commercial peer-to-peer transactions globally. ZeroBank employs the currently flourishing technologies — blockchain and smart contract — along with the proven sharing economy model to remove the barriers in the traditional remittance and exchange systems, and make a breakthrough in the way people can send, receive, and exchange their money.\n\nVia ZeroBank platform, money can be sent, received, and exchanged quickly, directly, at any time, anywhere in the world through a network of community agents. End-users will bear minimal fees since ZeroBank platform completely removes the interference of the centralized intermediaries like banks, or MTOs.\n\nWho ZeroBank can help?\n\nAccording to the IMF and the World Bank, the cross-border remittance industry size was an estimated $600 billion in 2017. The World Travel and Tourism Council reported that the world international tourist arrivals in 2017 are approximately 1.3 billion people, with a total visitor exports of $1.4 trillion.\n\nAmong the remittance and exchange users who made up these numbers are over 250 million migrants, 5 million international students, those 1.3 billion international tourists, and more. Instead of bearing the current 5% to 10% transaction fees for remittance and up to 27% spread for currency exchange, these users will have a chance to cut the costs at least in half, saving tens of billions of dollars every year, using ZeroBank platform.\n\nThe launch of ZeroBank creates new job opportunities for any community members, including taxi drivers, tour guides, hotel receptionists, salesmen, students, etc. via the sharing economy model. Members in the ZeroBank ecosystem not only enjoy its smart service but also can use ZeroBank to earn extra income even without having to understand cryptocurrency or blockchain.\n\nWhat makes ZeroBank the worthwhile investment comparing to other ICO projects?\n\nMany blockchain-powered payment and remittance gateway projects claim to follow decentralized models, yet propose business processes wherein banking systems play some crucial role. This proposal is purely impractical since it brings all the drawbacks of the traditional centralized banking systems into the projects, not to mention the conflict of interest between these two models.\n\nZeroBank develops a truly decentralized model utilizing sharing economy, where the network of ZeroBank agents come into play instead of any centralized institutions. The agents are enabled to transfer value from one place/ one currency to another by the use of ZeroBank “money barter” tokens. The network of agents can expand very quickly based on the group of community workers in every market ZeroBank operates, which can apparently be anyone. Low costs due to true decentralization, and increased convenience thanks to the large network of service agents, are the two key differences that make ZeroBank the most feasible ICO project in the remittance and money exchange industry.\n\nThe all-star team of ZeroBank\n\nZeroBank has complied a team of experienced specialists and senior business executives in the top money transfer and exchange institutions and in IT system architecture and management for top-tier banking and financial services.\n\nCEO Kai Yee Goh is a senior executive in the field of money transfer and payment, having held business development and strategic roles in Transfast, United Financial Group, Paypal, Harte-Hanks and Western Union. Along with him, CTO Bao Ly Van is an expert IT architect in banking and financial services with extensive experience working as a consultant and architect for BNP Paribas Fortis (8th largest bank worldwide), AXA Investment Managers, and HSBC Global Banking and Markets.\n\nNot to mention many other team members who are also prominent individuals in the fields, ZeroBank team makes another essential key to drive for success in building up this brand new model, which can disrupt the current money transfer and exchange service markets worldwide.\n\nZeroBank Roadmap\nZeroBank has made extensive preparation to study the feasibility of the brand new model and finalized with the angel investors and partners from Q4/2017 to Q1/2018. System developments including infrastructure and local blockchain miner and network setup have started in Q2/2018. And ZeroBank’s ICO will be completed with beta version released from August to end of 2018.\n\nWho is the target ZeroBank?\n\nAccording to the report of the International Monetary Fund and the World Bank, the value of the transnational money transfer industry is estimated at $ 600 billion by 2017. Moreover, according to the Tourism Council and world travelers, the number of international visitors is estimated at about 1.3 billion people, with spending equal to $ 1.4 trillion by 2017.\n\nAs such, the number of people involved in transnational currency transnational movements will be more than 250 million migrants, 5 million international students, 1.3 billion international tourists and others. Money transfer to other countries instead of 5% to 10% (with money transfer) or even up to 27% (with money exchange), use ZeroBank to help them reduce the minimum. is half the cost of conversion — saving up to $ 10 billion a year.\n\nZeroBank also creates a platform that combines the shared economic model to provide new working opportunities for community members such as taxi drivers, tour guides, hotel receptionists, employees sales, students, etc. Participants in the ZeroBank Network are not only enjoying the smart money conversion service but also gaining income even if they have no knowledge of pre-coding or blockchain.\n\nWhat is the difference between ZeroBank’s success?\n\nThe decentralized system will help to reduce costs, facilitate and make ZeroBank one of the most practical ICO projects in the field of money transfer.\n\nMany projects that provide payment gateways and currency conversions based on blockchain applications declare that their projects use distributed models, but their business model depends on the system of funds. row. ZeroBank develops a decentralized distribution system that takes advantage of the shared economy, using ZeroBank’s network of agents instead of centralized interests (like banks). Agents are allowed to convert from one currency to another, from one place to another, through the use of the ZeroBank token unit. ZeroBank’s agent system will expand rapidly based on the force of agents in the community, anyone can become the agent of ZeroBank, in any market where there are ZeroBank.\n\nThe minimum cost of dispersing and maximizing the convenience of having an extensive dealer network are two of the key points that make ZeroBank the most feasible ICO in cross currency conversion. nation.\n\n2.2 The key members of ZeroBank\n\nZeroBank’s development and operations team are seasoned professionals and senior business professionals from leading organizations in the currency conversion industry. They are also IT architects and managers for the world’s leading financial and banking services.\n\nCEO Kai Yee Goh is a senior in the area of ​​payments and currency conversion, having held positions in business development with key positions in Transfast, United Financial Group, Paypal, Harte-Hanks and Western. Union. Along with him, CTO Bao Ly Van — an IT engineer specializing in banking and financial services, has many years of experience working as a consultant and engineer for BNP Paribas Fortis. 8th in the world), AXA Investment Managers, and HSBC Global Banking and Markets.\n\nNot to mention the outstanding individuals in the same field, the ZeroBank team is the key to success when building this new business model — the model promises to completely change the face of the market. Transfers the current international currency.",
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      "body": "A global money transfer and exchange system based on Blockchain,\nSmart Contract Technologies and Sharing Economy\n\nEvents\nZEROBANK SPONSORS \"BLOCKCHAIN FORUM\"\n\nWe are delighted to share that ZeroBank is sponsoring “Blockchain Forum - Vision and Development” taking placed in JW Marriott Hotel, Hanoi, Vietnam\nKOREA BLOCKCHAIN SUMMIT 2018\n\nKorea Blockchain Summit 2018. Of course, Zerobank will not miss the opportunity to meet and share our products and services to the South Korean community. Come to our booth to sharpen your understanding about “Your Local Currency.”\nBLOCKCHAIN SUMMIT LONDON\n\nLondon Summit last year was spectacularly successful and attracted thousands of investors and exhibitors. This year, Zerobank is honored to be one of Silver sponsors for such a prestigious event. Please come and join our booth to understand more our project and have a chance to win many special lucky draws on 26th - 27th June, 2018 at Olympia, London.\n\nForward-thinking websites are starting to catch on to the digital currency trend. There are numerous reasons why you should consider using STEEM for your online business. STEEM inherently offers low fees and fast transactions but also carries with it an entire community of support. Almost 20,000 weekly users! Below we go into detail some of the many reasons why we chose the digital currency, STEEM and why YOUR website is falling behind if it hasn't yet.\n1. LARGE COMMUNITY SUPPORT\nThe STEEM community is actively developing innovative services to strengthen its utility. Most popular, is a social content aggregator site called, Steemit. Steemit's community of creatives regulate the type of content that rises to the top through upvoting/downvoting methods. Each member is rewarded STEEM for their participation. The popularity of Steemit is growing rapidly. At the time of this article, a total of 180,000 accounts have been created and about 20,000 of them active this week. Each of these members is holding onto a chunk of STEEM and they have few methods (as of now) for easily redeeming their earnings.\n\n2. STEEM IS AN INVESTMENT\nwith its price movements and risk/reward profiles, is considered an asset. There are ample opportunities to invest in the currency and it has sufficient liquidity. Additionally, STEEM has provided investor returns far beyond what traditional fiat currencies do. When your customers pay you with STEEM, that payment has the potential to growth exponentially.\n\n3. ZERO TRANSACTION FEES\nAlong with the other reasons why we do not prefer traditional banking systems controlling our money, our merchant systems charges 10% every time you purchase credits with a debit or credit card. One of our biggest benefits with using our platform as opposed to our competitors is that we accept STEEM for credits with no extra fees. Using STEEM also ensures there are no chargebacks which means less overhead costs for us! We pass the savings onto you!\n\n4. BORDERLESS TRANSACTIONS\nSTEEM has borderless transactions which allows us to accept payment from anywhere in the world. A recent report quotes that, \"2.2 billion people have access to the internet who do not have access to traditional exchange systems.\" This expands our target audience beyond the United States and opens up an incredible range of possibilities.\n\n5. A STEEMIT BLOG IS AN ADDITIONAL REVENUE STREAM\nOur blog on Steemit is one of the most important ways our website is generating revenue. it gives us the ability to advertise to the community (which happens to be filled with our target market) at essentially zero cost to us. Our direction of development will be heavily focused on our blog on Steemit. This revenue stream is what sets us apart from most other adult cam websites because we have a strong connection with our target market and are able to listen closely to their wants and needs. We forecast this stream being volume dependent. This means that our upvotes translates directly to our income. Our focus is on encouraging upvotes and building a loyal following. To do this, we are creating quality filled content that is unique to the community. Our blog on the STEEM blockchain also keeps us transparent and is of high value to our investors. We are aware that STEEM is an asset that varies in price day to day and even hour to hour. This is an important variable when developing this revenue. We will be re-forcasting to ensure that our revenue stream continues to support our business in a lucrative way.\n\n6. STEEM HAS ACTIVE DEVELOPMENT\nSTEEM's active development ecosystem is what makes STEEM so desirable to us. It is important for us to examine the future growth of our investment. With a team of over four core developers and a community of almost 7,000 active users, their combined time and effort that they are committing to the project proves the future is bright.\n\n7. DISCRETE PURCHASES\nOne inherent advantage when transacting with STEEM is that your purchases are discrete. Your transaction will never be associated with your personal identity or compromise your personal information such as names and addresses (unless you volunteer it). Governments, banks, and other third party intermediaries have no way to interrupt or control the user transaction. This is especially attractive if you've noticed in the news how PayPal has been discriminating against accounts that are associated with human sexuality.\n\n\"For nearly a decade, PayPal, JPMorgan Chase, Visa/MasterCard, and now Square, have systematically denied or closed accounts of small businesses, artists and independent contractors whose business happens to be about sex. These payment processing authorities have also coerced websites to cease featuring sexual content under threat of service withdrawal, all while blaming ambiguous rules or pressure from one another.\"\n\nYour transaction can never be traced back to the user which equals more freedom!\n\nOur competition is saturated with out-dated software and CEO's that are stuck in the 1990's. Steemycam.com brings a fresh approach with the most advanced software available. Using cutting edge technology like STEEM, sets us apart from our competition and may be the deciding factor on why our users will prefer to use our platform over others.\n\nMoney Transfer & Exchange Industry\nTourism Industry: Total Visitor Export 2017\n\n1.3 billion International Arrivals\n\nCurrency Exchange Required\nInternational Tourist Arrivals\nRemittance Industry Size 2017\n\nInternational Education\n\nLabor Migration\n\nLabor Export\nMarket 3-C Problems\n\nThe current international money transfer and exchange industry typically depends on banking systems and MTOs.\nHowever, these outdated-model businesses encounter many problems themselves, making them insufficient, sluggish, and costly.\nCost\n\nInternational banks and global MTOs bear many kinds of cost due to their bulky, outdated, brick-and-mortar structures. For example, according to a recent research at Citi, the costs for maintaining legacy information systems, investing in new ones and paying IT staff, all adds up to account for 25% of a typical bank’s annual budget. Banks spend around $200 billion every year on IT, 80 percent of which – Citi estimates – is spent on maintenance and small evolution of legacy system. These costs translate into their excessive service fees.\n\nReadmore...\nCoverage\n\nMany banks with large network coverage are not involved in non-commercial transfers. However, although many banks and MTOs have developed strong networks, the money transfer industry in general falls well short of the entire market’s need, especially in remote areas where communities are small, and commercial activities are low.\nCompliance\n\nSince the industry is heavily regulated by governments around the world, any banks involved in remittance transactions and all MTOs have to invest heavily to assure legal compliance, which in turn adds to the cost of their services. National banks in many countries are no longer licensing smaller MTOs, mostly due to problems concerning legal compliance, especially in the United States and the United Kingdom, where Anti Money Laundering (AML) law is strictly enforced. Legal costs are forcing more and more players out of this market space, leaving customers with less and less options.\nHow ZeroBank System works?\n\nThe money transfer and exchange industry is not immune to the global movement towards decentralization and peer-to-peer sharing economies. In fact, these areas are poised to be some on the leading edge of those that thrive in this new paradigm. With the help of blockchain and smart contract technologies, along with the sharing economy model, ZeroBank will disrupt the outdated transfer and exchange models centralized around “too-big-to-fail” banking and MTO systems by bringing out a “money barter” model fit right in the current position of world money market.",
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      "body": "Great project, I really like.",
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      "body": "nice project, i wish him the success in the near futur, goid luck",
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