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      "body": "Thank you so much for being an awesome Partiko user! We have just given you a free upvote!\n\nThe more Partiko Points you have, the more likely you will get a free upvote from us! You can earn 30 Partiko Points for each post made using Partiko, and you can make 10 Points per comment.\n\nOne easy way to earn Partiko Point fast is to look at posts under the #introduceyourself tag and welcome new Steem users by commenting under their posts using Partiko!\n\nIf you have questions, don't feel hesitant to reach out to us by sending us a Partiko Message, or leaving a comment under our post!",
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      "title": "Keeping Your Digital Assets Secure",
      "body": "![](https://d1vof77qrk4l5q.cloudfront.net/img/1c1f762c1566ff638363e1260f32b52d3d1f9164.jpg)\n\nThe blockchain has eliminated the middleman has aided cryptocurrencies to eliminate banks and has transferred power to the hands of the users. With this power comes responsibilities which the banks formerly carried on their shoulders. \nSecurity is one of such responsibilities. Banks had customer care support for complaints but now you are the bank with no customer care representative. If you lose your funds, it's all on you. You'll have no one to forward complaints to or sue. Banks secure funds well but this does not stop thieves from stealing from them.\nWith your funds in your care and no state of the art security, how do we secure our funds?\n\n**Passphrases and strong passwords**\nUse passphrases and strong passwords to encrypt your wallets, email accounts, or any other software which might be used to access your funds. A passphrase is a group of words that can be a sentence or just random words. Do not use predictable phrases, sentences or song lyrics for your passphrases. If spaces are not accepted, you can join the words together or make use of their initial letters. \nBoys eat grass and don’t regurgitate because they don’t have an abomasum. \nCan be written as\n\n> Boyseatgrassanddon’tregurgitatebecausetheydon’thaveanabomasum\nOr\nBegadrbtdh\n\nThey are easy to remember than passwords.\nYou can choose to use strong passwords (mixture of upper case and lower case letters, numbers and special characters).\nUse different passphrases or passwords for each account, password managers help to hold your passwords safe a good choice would be KeePass. It is open source, although not so user friendly but implements local encryption and cloudless syncing.\nUse a different email address for each online account to protect your remaining funds if one gets compromised.\n \n**Backups** \nWhen you create a new wallet you usually get a 12/24 seed word, a keystore or just the private/public key pair. \n\n\n![](https://d1vof77qrk4l5q.cloudfront.net/img/2278c9309283549b2b1df970009c81623227e4f4.jpg)\n\n\nIt's best not to screenshot your seedword or private key or write it in a document and store in a cloud service or email as they are centralized and if hacked leaves your funds at the mercy of the hackers. This beats the original purpose of the blockchain. It's best to write them on a piece of paper and store them in a safe place. Having duplicates in different locations helps with redundancy as papers are susceptible to damage. Storage is not limited to paper alone you can become creative with it by engraving on glass or metal.\nIf your device gets lost, stolen or you decide to switch devices don't just import your keys sweep them into a new address. \n\n**Two Factor Authentication (2FA)**\n2FA requires you to have two things to access your account your password and usually a code generated periodically. Always implement 2FA in your accounts if the service provider supports it.\nAlthough 2FA is a good measure of security, 2FAs which use SMS to send One Time Passwords (OTPs) are vulnerable to attacks. Positive technologies' researchers have been able to hack the SS7 network, the old technology used for sending and receiving SMSs and intercept OTPs. \nStay away from 2FAs which involve sending OTPs by emails or SMS rather use software that generate these codes locally on your device. Google authenticator and Authy are good choices.\n\n**Trusted wallets**\nYour choice of wallets also determines your level of security. \nCryptocurrency exchanges are not wallets and are currently the worst places to keep your funds. Through the history of bitcoin, they have shown to be very vulnerable from the Mt. Gox Exchange hack to the unbelievable Canadian exchange Quadrigacx case where the CEO dies with the passcodes to the exchanges wallets. Like online wallets they defeat the original purpose of cryptocurrencies since they hold your private keys for you and can get hacked or disappear with your funds. In 2018 alone $856 million worth of crypto was stolen from exchanges according to a research by ledger. It’s very simple if you don’t own your private keys you don’t own your funds. \nOnly use exchanges and online wallets to hold little amounts you plan to trade. Mobile and Desktop wallets are better alternatives as they store your private keys locally. Before you download a wallet verify the software publisher and checkout the customer reviews. Downloading a malicious wallet or a legitimate compromised one will put your funds at risk.\nHardware wallets are the best alternatives now and should be used for long time storage of large amounts. An air-gapped (strictly offline with no internet connection) device will provide the same security as a hardware wallet.\n\n**Preventing Phishing Attacks**\nSocial Engineering attacks have been a threat to the digital world for a long time. They involve luring or unsuspecting members of the public in giving out their personal information. Phishing scams are the biggest threat and the most common means of social engineering. According to Breach Level Index of 2018 First Half Review report, records breached in the first half of 2018 are 4,553,172,708. \nYou might receive mails or text messages to click on a link and enter one information or the other. Some of these mails are phishing mails aimed at collecting your personal information to access your funds. Don’t click on links from emails. It's hard to tell the difference in an email you should go to the official site to find out the latest happenings. Clicking on a malicious link will put you at risk.\nPhishing sites also try to collect your information by making a dummy site that looks exactly like the original site. The old https trick does not seem to work as these sites now also have SSL certificates. Its best to bookmark the original and always access it from there. Searching on google or clicking on a link can lead you to a malicious site. \nCryptonite is a Chrome/Firefox extension that helps to warn you of dangerous or unverified sites.\n\n**Copy and Paste**\nWhen sending coins/tokens it all takes a simple address copy and paste to send them. But this process has also proven to be vulnerable. As seen with the All-Radio 4.27 Portable program which replaces your copied address with another address and you send you funds there unknowingly. The program also contained a hidden miner used for cryptojacking. Experts from Malwarebytes found out the program got on computer systems of victims when they tried to use cracks of licensed programs and games including Windows activator, KMSpico. \nAlthough stressful it’s best to always double-check addresses before clicking the send button. Using a QR code is an option which will save you from such a malware. \nEthereum Name Service (ENS) is a platform similar to Domain Name Service(DNS) it helps you create a domain name for your wallet address or smart contract and is built with smart contracts on the Ethereum blockchain making your domain name clear completely decentralized. \nTo send funds you can simply enter the domain name instead of the wallet address and can create subdomains. E.g\n> 0x84055fc….\nCan be entered as \nNonsewallet.eth\n\n**Antivirus**\nHaving an antivirus to an extent protects you from malwares that aim to steal your personal information or cause you to give out your private keys. It also protects you from key loggers.\nAlways make sure the antivirus software is legitimate and up to date with the latest security patches. Desist from installing and downloading software from unknown or untrusted sources and use only licensed software.\n\nAlthough antivirus software, encryption and two-factor authentication will keep your funds safe digitally to an extent. The main point of security and vulnerability is you the user if you choose to make a silly mistake of giving your private keys or any means of funds access to an attacker no one will stop you it's yours after all. It all requires common sense and good judgement.\nWe set out with a question on our minds on how to secure our funds which has been answered. I hope you enjoyed the article. I'd love to see your views about the article in the comments section if you have any suggestion or have questions please don't forget to share. \n\nPosted using [Partiko Android](https://partiko.app/referral/greybat)",
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      "title": "How Bitcoin mining works",
      "body": "#How Bitcoin Mining works\n\n![](https://d1vof77qrk4l5q.cloudfront.net/img/143ae8d791a659195be5a808ea2f1885d886a1ab.jpg)\n\nImage credit: cointelegraph\n\nBitcoin is decentralized meaning there's no central Authority like the Federal Reserve or Central Bank that controls its issuance and stability. The proof-of-work method of consensus implemented helps to suffice.\nProof-of-work as the name suggests involves providing a proof that you have done a piece of work (solved a computational problem), the process of doing this work is called mining. It's analogous to the conventional mining process because new coins are discovered in the process and awarded to whoever first finds a solution to the computational problem. Each node involved in mining is a **miner**.\nThe miners verify transactions, create blocks and add these blocks to the bitcoin blockchain. With this they prevent double spending and secure the bitcoin blockchain. The new coins mined and the transaction fees serve as an economic incentive. Anyone can mine and get rewarded it isn't restricted to any group except maybe your country or state laws forbids you from mining.\nTo mine you'll need the bitcoin client software, Bitcoin Core and mining hardware, Application Specific Integrated Circuit (ASIC). The hardware helps to solve the computational problem which involves lots of hashing. Hashing is a one way encryption which generates a new string (output called hash, digest or fingerprint) from any string input. A small change in the string input causes the hash function to produce a completely different hash. ASICs used for bitcoin mining are specifically created to do SHA256 (the hash function used in bitcoin) hashing faster with less electricity consumption.\n\nCalculating the Hash\nTo calculate the hash we need a string, the Block Header. The string is formed using six arguments concatenated together. They are:\n\n1. Version Number\nThis is the version of the block the miner wants to add to the blockchain, currently there are 4 versions. Its 4 bytes in size.\n\n2. Previous Block Hash\nAll blocks being mined have a block before them except the genesis block, the first block in the blockchain. As the name implies it’s a chain of blocks, each new block to be mined includes the hash of the just mined block into itself this helps to form the chain that links each block to its adjacent mates and down to the genesis block or to the latest block on the chain. All this is possible because each block contains a summary of the one before it. \n\n\n![](https://d1vof77qrk4l5q.cloudfront.net/img/f425789578dd0db7ee51d388fd51380cc261e8b0.jpg)\n\n\nIts 32 bytes (256 bits) in size.\n\n3. Merkle Root Hash\n\n\n![](https://d1vof77qrk4l5q.cloudfront.net/img/29b0dccbcf233806791694a8f861c05dc460d3b7.png)\n\n\nMerkle tree\nTransactions must be included in the block. Each block contains lots of transactions identified with a “Transaction Id” (TxId). Calculating the hash of each transaction and adding it to a block would take up space. Then comes in the Merkle tree which makes it possible to add a single hash, merkle root hash representing all the transactions.\nThe merkle tree has leaves representing each transaction. Each transaction is hashed with an adjacent transaction and their parent hash is hashed with another transaction or parent hash. This goes on until a single hash of all transactions remains. The hash is called the root of the merkle tree and is what is included in the block.\nIts 32 bytes (256 bits) in size.\n\n4. Time\nThe time in which the miner begins to mine the block is also included. The time is included in epoch or Unix time format. This is the number of seconds since January 1st, 1970. To convert from the normal GMT time format to epoch time you can come here.\nIts 4 bytes in size.\n\n5. Bits\nThe bits gives us the target in a compact format. The target is also known as the difficulty target, the hash of the block header must be less than this target. The bits is 4 bytes in size meaning it can be represented by 8 hexadecimal values. The first 2 hex values represent the “exponent” and the remaining six represent the “coefficient”. The coefficient is represented in base 256.\n\t\n6. Nonce\nThis little guy which is 4 bytes (32 bits) long is the usually the cause of competition in mining. The block header when calculated is first started with the nonce at its lowest value, 0. The miner can choose any value he wants to start from. The nonce can hold 232 possible values.\nWhen the block header is first calculated and the hash is greater than the target the nonce is incremented and the hash is calculated again. This is done until the block header hash is less than the target which means the miner has solved the problem or until nonce wraps or overflows. \n**Extra Nonce**\nWhen all possible values of the nonce field have been tried, an extra field can be added to the coinbase transaction. The coinbase transaction also called generation transaction is first transaction included in the block and added to the merkle root. It pays the block reward (new coins generated) to the address specified by the miner. The extra nonce field is added here and when it is incremented once which changes the merkle root hash, the nonce field is made to pass through all its possible values again to achieve a value less than the target. The nonce and extra nonce values work like the second and minute hands of the clock respectively.\nThe following illustrations will contain python code snippets following the texts. Don't worry you don't need to know python to understand them. \n\nHands-On (Parody)\nLet's use block 502871 to play around a little bit. You can find the arguments [here](https://www.blockchain.com/btc/block-height/502871). \n\n\n![](https://d1vof77qrk4l5q.cloudfront.net/img/ee5f70444edb5369d50630d3dd954d167e9af305.jpg)\n\n\nBlock 502781 mining data well illustrated\nThe parameters are then concatenated (added together) in this order to form the block header. Attention must be paid to the order or the hash will change.\n\n>  Block header = version number + previous block hash + merkle root Hash + time + nonce\n\n Python code:\n> header = version + str(prevBlockHash) + str(merkleRoot) + time + bits + nonce\n\n> header =\n“00000020” + “66720b99e07d284bd4fe67ff8c49a5db1dd8514fcdab61000000000000000000” + “7829844f4c3a41a537b3131ca992643eaa9d093b2383e4cdc060ad7dc5481187” + “c7f5d74d” + “c1910018” + “42a14695”\n\nThe block header is now hashed to produce the block hash.\n\n> Header hash= Sha256(sha256(blockheader))\n\nPython code:\n> headerHash = hashlib.sha256(hashlib.sha256(headerByte).digest()).digest()\n\n> Header hash= Sha256(sha256(“0000002066720b99e07d284bd4fe67ff8c49a5db1dd8514fcdab610000000000000000007829844f4c3a41a537b3131ca992643eaa9d093b2383e4cdc060ad7dc5481187c7f5d74dc191001842a14695”))\n\nThe miner then compares this hash with the target and if it is less than the target he is good to go else he increments the nonce value and hashes the block header again. \n\nLet's note that the “header hash” will produce the block hash as seen on the block explorer because we are using the nonce of an already finished block. But trust me that miner sure utilized a huge amount of resources to prove he genuinely mined that block.\nYou can check out the full python code on my [github page](https://github.com/GREYBAT/bitcoin/blob/master/bitcoin%20miner.py). Try out any block you want with the code, you can change the standard time given in the block explorers to epoch tim(https://www.epochconverter.com) here. Or you can get the big wheels of the game (ASICs) and mine for real or join a mining pool could be cloud or local.\n\nMining is a concept that has made decentralization somewhat possible since consensus can be made by network participants with it. It might seem hard to wrap your head around at first, don’t worry we were all in the same shoes once you will come to understand it as time goes by.\n\nPlease don't forget to clap and if you find anything contradictory or you want to say something don't forget to leave a comment.\n\nPosted using [Partiko Android](https://partiko.app/referral/greybat)",
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      "memo": "Hy @greybat you just got 1477 WAFRO tokens from @wafrica! We distributed to over 6 000 followers, it is tradeble at steem-engine.com! Thanks for being active member of @wafrica! HODL those token to receive more airdropped tokens each month! Check with @wafrica blog for contests, and Sunday parties on Discord!"
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      "memo": "BuildTeam is proud to announce the release of DLease.io - our flagship P2P leasing marketplace app, aimed at assisting Steemians in leasing and delegating STEEM POWER for daily passive returns, with recent yields as high as 20% APR. DLease.io is a professional grade app , designed to replace the current MinnowBooster.net leasing market which has to date facilitated nearly 20 Million STEEM POWER in lease value to happy BuildTeam customers. View the new app at https://dlease.io/ or read the announcement post on https://steemit.com/@dlease."
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      "body": "Hello greybat, welcome to Partiko, an amazing community for crypto lovers! Here, you will find cool people to connect with, and interesting articles to read!\n\nYou can also earn Partiko Points by engaging with people and bringing new people in. And you can convert them into crypto! How cool is that!\n\nHopefully you will have a lot of fun using Partiko! And never hesitate to reach out to me when you have questions!\n\nCheers,\ncrypto.talk\nCreator of Partiko",
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      "body": "Congratulations @greybat! You have completed the following achievement on the Steem blockchain and have been rewarded with new badge(s) :\n\n<table><tr><td>https://steemitimages.com/60x70/http://steemitboard.com/@greybat/voted.png?201903081614</td><td>You received more than 50 upvotes. Your next target is to reach 100 upvotes.</td></tr>\n<tr><td>https://steemitimages.com/60x70/http://steemitboard.com/@greybat/comments.png?201903081614</td><td>You made more than 10 comments. Your next target is to reach 50 comments.</td></tr>\n</table>\n\n<sub>_[Click here to view your Board](https://steemitboard.com/@greybat)_</sub>\n<sub>_If you no longer want to receive notifications, reply to this comment with the word_ `STOP`</sub>\n\n\nTo support your work, I also upvoted your post!\n\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": "If you are a business owner, you might have come across a customer who asked“do you accept cryptocurrency” and he might have been specific about it maybe bitcoin or litecoin or you might just be curious and want some of the advantages of adopting cryptocurrency in your business. Well, here is a guide on how to get started.\nSome major companies like Microsoft have started accepting it for their products you can too. If you are curious about these companies, you can check my article on how to spend your coins.\nAccepting cryptocurrency comes with a lot of benefits.\n\n**No Chargebacks**\nWhen a customer carries out a card transaction he can ask for a chargeback either because the product is bad, was not received or he might just be a fraud. With cryptocurrency adoption you can protect yourself from frauds and those with legitimate complaints can contact you.\nYou can also protect yourself from cases of identity theft since there are no card details to steal.\n\n**Increase in New Customer Traffic**\nCryptocurrency owners will patronize you when they learn you accept cryptocurrency as payment for your goods. This will increase you profit and you also get to keep your fiat customers.\n\n**Decentralized System**\nNo individual entity or institution controls your funds or transactions. You are in full control of your money and you can use it whenever you want with no transaction delays. Your funds are at your disposal always meaning no rigorous processes to follow before you can access them no matter how much.\n\n**Low Fees**\nTransaction can be carried out with very low fees. To process a transaction, you spend less than 1% of your funds or sometimes nothing at all in fees payment.\n\n**Free International Trade**\nThere are no border barriers and clearing delays when international trade is done. Funds are simply sent between you and the customer with no intermediary, low fees and faster processing time (can be in minutes or seconds).\n\n**Security**\nCryptocurrency transactions do not expose personal and sensitive information of the participants. They are protected with cryptography and the blockchain. The transaction can be checked with various block explorers depending on the blockchain used.\n\n**Payment Processors**\nYou might want to employ the services of a payment processor to help facilitate cryptocurrency payments for your services or goods. They protect you from volatility by converting the cryptocurrency used in payment to fiat instantaneously. They also offer a host of other services to both online and offline businesses.\nBitpay, Coinify, Coinbase and Coinkite are some well-known payment processors you might want to do your own research before picking one\n\nNow that we have seen some of the benefits of accepting cryptocurrency let’s see how we can accept them for our online and offline business.\n\n**Offline (brick and mortar)**\n*Wallets*\nA wallet is a software that stores data needed to access your funds on the blockchain. There are different wallets for various platforms e.g. web, mobile and desktop.\n\nMobile\nJaxx, Coinomi, trust wallet\n\nWeb\nMyEtherWallet, blockchain.info, Xapo\n\nDesktop\nExodus, armory, greenaddress\n\n \nSome of them support some specific cryptocurrency while others support a wide range.\n\n**Setting up Your Wallet**\nFor a web wallet you can simply signup and get your wallet address with which you can use in receiving funds.\nFor mobile and desktop platforms, the wallet has to be downloaded. After download and installation open the wallet and follow the step-by-step guide. Make sure to store the mnemonic phrase you will be given in a safe place this is to help in easy recovery of your funds in case of device loss or change.\n When setup is over you will see your wallet address. To receive a payment, you simply tell the customer to send it to your wallet address.\nThe wallet address is a combination of letters and alphabets. This is cumbersome to type and prone to errors when the customer tries to input it in his device. A Quick Response (QR) code will also be used to show your address. This code can simply be scanned by mobile devices and the funds can be sent with ease. You can also put the QR code on paper and put it on the wall for any customer to sign and pay.\nBelow is an example of what you will see after setup. The alphanumeric string is the wallet address while the QR code is the series of dots below. \n![Screenshot_2019-03-08-12-55-11.png](https://cdn.steemitimages.com/DQmWAPhYEGvPSnYNSWKNJHPQrCkf67NXuY3VFszMS6GJi3R/Screenshot_2019-03-08-12-55-11.png)\n\n\n\n\n\n\n\n\n\n\n\n\n*Gift cards*\nYou might have noticed that retail giant Amazon does not accept cryptocurrency but they have giftcards which can be bought from third parties with cryptocurrency and in turn be used to purchase goods from Amazon.\nYou can employ this easy strategy in your business by getting a giftcard for your business with a private label gift card service provider. These cards can be bought with bitcoin which in turn can be used to buy from you. The accounting for cryptocurrency can then be narrowed down to only gift cards.\n\n*Hardware Terminals (Point-of-Sale)*\nSome specific hardware have been made to process cryptocurrency transactions. This hardware vary in functions and capabilities. APIs can be integrated in some of the existing Point-of-Sale terminals. There is also hardware that can scan QR codes and handle cryptocurrency based debit cards to process payments.\nThe only drawback is the cost of these terminals but they are cost-effective for businesses with many cryptocurrency customers. Payment processors offer them.\n\n**Online**\n*Button*\nAdding a“Pay with cryptocurrency”like the one below to your checkout page will increase the range of options for goods and services payments for customers.  \nTo integrate a cryptocurrency button in your website you have to choose a payment processor and open a merchant account with them. A HTML code will be given which can be integrated into the site easily. It's best to give this job to a competent programmer to avoid glitches and possible loss of funds.\n\n*Invoice*\nIf your business sends out invoices to customers, you can add a line of cryptocurrency payment option. It would be best to give each customer a different payment address to know when a payment has arrived. Sending an invoice with the public address and amount payable may put your customer at risk of being sent fake invoices by frauds. To prevent this giving them a part of the address and instructing them to access the complete address from an SSL link on the invoice would be a good option.  \nTo protect yourself from volatility it would be best to update the current price of the product in BTC after a particular time interval.\n\n**Spread Awareness**\nTo spread the word of the latest development in your business you can start with a sign in you shop like the one below.![images.png](https://cdn.steemitimages.com/DQmPc8QmcpGHzP6LTKFdU6sZ7C1gCFGZTwaJCnkWGSk1Byb/images.png)\n\n\n\n\nThis tells current and potential customers of the new development. Current customers will now accept cryptocurrency payments knowing there is a place they can spend it.\nIf you have a company blog you can include it in you blog, share out flyers or put it up in the local magazine or newspaper.\nYou can also add your business location in some cryptocurrency map services. Coinmap allows you to add a business location upon signup.\n\n**Taxes and Regulations**\nAlthough cryptocurrency is not totally banned in most countries but there is usually no clear rule of operation. But they may still be some regulations which have been put down and must be followed by citizens. \nFind out about the regulations in your country on cryptocurrency and how to pay taxes on them. Legality of bitcoin by country and bitlegal would be good places to start.\n\nAccepting cryptocurrency for payments also comes with its cons.\n\n**High Volatility**\nThis is one of the main reasons there is slow adoption of cryptocurrency. Prices rise and fall fast which may lead to excess loss on your part or that of the consumer. Payment processors help to reduce the effects by a great extent.\n\n**Price Fluctuations**\nPrice changes fast due to high volatility which makes it stressful to always check prices before sale.\n\n**Fund Loss**\nWhen you serve as your own bank a lot of human errors can be made which can lead to complete loss of funds. Always keep your mnemonic phrase safe and never expose your private keys.\nAccepting cryptocurrency puts you a step ahead of your competitors and prepares you for the future. 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      "body": "If you are a business owner, you might have come across a customer who asked“do you accept cryptocurrency” and he might have been specific about it maybe bitcoin or litecoin or you might just be curious and want some of the advantages of adopting cryptocurrency in your business. Well, here is a guide on how to get started.\nSome major companies like Microsoft have started accepting it for their products you can too. If you are curious about these companies, you can check my article on how to spend your coins.\nAccepting cryptocurrency comes with a lot of benefits.\n\n**No Chargebacks**\nWhen a customer carries out a card transaction he can ask for a chargeback either because the product is bad, was not received or he might just be a fraud. 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To process a transaction, you spend less than 1% of your funds or sometimes nothing at all in fees payment.\n\n**Free International Trade**\nThere are no border barriers and clearing delays when international trade is done. Funds are simply sent between you and the customer with no intermediary, low fees and faster processing time (can be in minutes or seconds).\n\n**Security**\nCryptocurrency transactions do not expose personal and sensitive information of the participants. They are protected with cryptography and the blockchain. The transaction can be checked with various block explorers depending on the blockchain used.\n\n**Payment Processors**\nYou might want to employ the services of a payment processor to help facilitate cryptocurrency payments for your services or goods. They protect you from volatility by converting the cryptocurrency used in payment to fiat instantaneously. They also offer a host of other services to both online and offline businesses.\nBitpay, Coinify, Coinbase and Coinkite are some well-known payment processors you might want to do your own research before picking one\n\nNow that we have seen some of the benefits of accepting cryptocurrency let’s see how we can accept them for our online and offline business.\n\n**Offline (brick and mortar)**\n*Wallets*\nA wallet is a software that stores data needed to access your funds on the blockchain. There are different wallets for various platforms e.g. web, mobile and desktop.\n\nMobile\nJaxx, Coinomi, trust wallet\n\nWeb\nMyEtherWallet, blockchain.info, Xapo\n\nDesktop\nExodus, armory, greenaddress\n\n \nSome of them support some specific cryptocurrency while others support a wide range.\n\n**Setting up Your Wallet**\nFor a web wallet you can simply signup and get your wallet address with which you can use in receiving funds.\nFor mobile and desktop platforms, the wallet has to be downloaded. 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It would be best to give each customer a different payment address to know when a payment has arrived. Sending an invoice with the public address and amount payable may put your customer at risk of being sent fake invoices by frauds. To prevent this giving them a part of the address and instructing them to access the complete address from an SSL link on the invoice would be a good option.  \nTo protect yourself from volatility it would be best to update the current price of the product in BTC after a particular time interval.\n\n**Spread Awareness**\nTo spread the word of the latest development in your business you can start with a sign in you shop like the one below.![images.png](https://cdn.steemitimages.com/DQmPc8QmcpGHzP6LTKFdU6sZ7C1gCFGZTwaJCnkWGSk1Byb/images.png)\n\n\n\n\nThis tells current and potential customers of the new development. Current customers will now accept cryptocurrency payments knowing there is a place they can spend it.\nIf you have a company blog you can include it in you blog, share out flyers or put it up in the local magazine or newspaper.\nYou can also add your business location in some cryptocurrency map services. Coinmap allows you to add a business location upon signup.\n\n**Taxes and Regulations **\nAlthough cryptocurrency is not totally banned in most countries but there is usually no clear rule of operation. But they may still be some regulations which have been put down and must be followed by citizens. \nFind out about the regulations in your country on cryptocurrency and how to pay taxes on them. Legality of bitcoin by country and bitlegal would be good places to start.\n\nAccepting cryptocurrency for payments also comes with its cons.\n\n**High Volatility **\nThis is one of the main reasons there is slow adoption of cryptocurrency. Prices rise and fall fast which may lead to excess loss on your part or that of the consumer. Payment processors help to reduce the effects by a great extent.\n\n**Price Fluctuations**\nPrice changes fast due to high volatility which makes it stressful to always check prices before sale.\n\n**Fund Loss**\nWhen you serve as your own bank a lot of human errors can be made which can lead to complete loss of funds. Always keep your mnemonic phrase safe and never expose your private keys.\nAccepting cryptocurrency puts you a step ahead of your competitors and prepares you for the future. 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      "body": "Very good guide and you hit a lot of the key points while still being an easy read.  Hopefully with your post you can inspire a least a few retailers to give crypto a try!",
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      "author": "greybat",
      "permlink": "how-to-accept-cryptocurrency-in-your-business",
      "title": "How to Accept Cryptocurrency in your Business",
      "body": "If you are a business owner, you might have come across a customer who asked“do you accept cryptocurrency” and he might have been specific about it maybe bitcoin or litecoin or you might just be curious and want some of the advantages of adopting cryptocurrency in your business. Well, here is a guide on how to get started.\nSome major companies like Microsoft have started accepting it for their products you can too. If you are curious about these companies, you can check my article on how to spend your coins.\nAccepting cryptocurrency comes with a lot of benefits.\n\n**No Chargebacks**\nWhen a customer carries out a card transaction he can ask for a chargeback either because the product is bad, was not received or he might just be a fraud. With cryptocurrency adoption you can protect yourself from frauds and those with legitimate complaints can contact you.\nYou can also protect yourself from cases of identity theft since there are no card details to steal.\n\n**Increase in New Customer Traffic**\nCryptocurrency owners will patronize you when they learn you accept cryptocurrency as payment for your goods. This will increase you profit and you also get to keep your fiat customers.\n\n**Decentralized System**\nNo individual entity or institution controls your funds or transactions. You are in full control of your money and you can use it whenever you want with no transaction delays. Your funds are at your disposal always meaning no rigorous processes to follow before you can access them no matter how much.\n\n**Low Fees**\nTransaction can be carried out with very low fees. To process a transaction, you spend less than 1% of your funds or sometimes nothing at all in fees payment.\n\n**Free International Trade**\nThere are no border barriers and clearing delays when international trade is done. Funds are simply sent between you and the customer with no intermediary, low fees and faster processing time (can be in minutes or seconds).\n\n**Security**\nCryptocurrency transactions do not expose personal and sensitive information of the participants. They are protected with cryptography and the blockchain. The transaction can be checked with various block explorers depending on the blockchain used.\n\n**Payment Processors**\nYou might want to employ the services of a payment processor to help facilitate cryptocurrency payments for your services or goods. They protect you from volatility by converting the cryptocurrency used in payment to fiat instantaneously. They also offer a host of other services to both online and offline businesses.\nBitpay, Coinify, Coinbase and Coinkite are some well-known payment processors you might want to do your own research before picking one\n\nNow that we have seen some of the benefits of accepting cryptocurrency let’s see how we can accept them for our online and offline business.\n\n**Offline (brick and mortar)**\n*Wallets*\nA wallet is a software that stores data needed to access your funds on the blockchain. There are different wallets for various platforms e.g. web, mobile and desktop.\n\nMobile\nJaxx, Coinomi, trust wallet\n\nWeb\nMyEtherWallet, blockchain.info, Xapo\n\nDesktop\nExodus, armory, greenaddress\n\n \nSome of them support some specific cryptocurrency while others support a wide range.\n\n**Setting up Your Wallet**\nFor a web wallet you can simply signup and get your wallet address with which you can use in receiving funds.\nFor mobile and desktop platforms, the wallet has to be downloaded. After download and installation open the wallet and follow the step-by-step guide. Make sure to store the mnemonic phrase you will be given in a safe place this is to help in easy recovery of your funds in case of device loss or change.\n When setup is over you will see your wallet address. To receive a payment, you simply tell the customer to send it to your wallet address.\nThe wallet address is a combination of letters and alphabets. This is cumbersome to type and prone to errors when the customer tries to input it in his device. A Quick Response (QR) code will also be used to show your address. This code can simply be scanned by mobile devices and the funds can be sent with ease. You can also put the QR code on paper and put it on the wall for any customer to sign and pay.\nBelow is an example of what you will see after setup. The alphanumeric string is the wallet address while the QR code is the series of dots below. \n![Screenshot_2019-03-08-12-55-11.png](https://cdn.steemitimages.com/DQmWAPhYEGvPSnYNSWKNJHPQrCkf67NXuY3VFszMS6GJi3R/Screenshot_2019-03-08-12-55-11.png)\n\n\n\n\n\n\n\n\n\n\n\n\n*Gift cards*\nYou might have noticed that retail giant Amazon does not accept cryptocurrency but they have giftcards which can be bought from third parties with cryptocurrency and in turn be used to purchase goods from Amazon.\nYou can employ this easy strategy in your business by getting a giftcard for your business with a private label gift card service provider. These cards can be bought with bitcoin which in turn can be used to buy from you. The accounting for cryptocurrency can then be narrowed down to only gift cards.\n\n*Hardware Terminals (Point-of-Sale)*\nSome specific hardware have been made to process cryptocurrency transactions. This hardware vary in functions and capabilities. APIs can be integrated in some of the existing Point-of-Sale terminals. There is also hardware that can scan QR codes and handle cryptocurrency based debit cards to process payments.\nThe only drawback is the cost of these terminals but they are cost-effective for businesses with many cryptocurrency customers. Payment processors offer them.\n\n**Online**\n*Button*\nAdding a“Pay with cryptocurrency”like the one below to your checkout page will increase the range of options for goods and services payments for customers.  \nTo integrate a cryptocurrency button in your website you have to choose a payment processor and open a merchant account with them. A HTML code will be given which can be integrated into the site easily. It's best to give this job to a competent programmer to avoid glitches and possible loss of funds.\n\n*Invoice*\nIf your business sends out invoices to customers, you can add a line of cryptocurrency payment option. It would be best to give each customer a different payment address to know when a payment has arrived. Sending an invoice with the public address and amount payable may put your customer at risk of being sent fake invoices by frauds. To prevent this giving them a part of the address and instructing them to access the complete address from an SSL link on the invoice would be a good option.  \nTo protect yourself from volatility it would be best to update the current price of the product in BTC after a particular time interval.\n\n**Spread Awareness**\nTo spread the word of the latest development in your business you can start with a sign in you shop like the one below.![images.png](https://cdn.steemitimages.com/DQmPc8QmcpGHzP6LTKFdU6sZ7C1gCFGZTwaJCnkWGSk1Byb/images.png)\n\n\n\n\nThis tells current and potential customers of the new development. Current customers will now accept cryptocurrency payments knowing there is a place they can spend it.\nIf you have a company blog you can include it in you blog, share out flyers or put it up in the local magazine or newspaper.\nYou can also add your business location in some cryptocurrency map services. Coinmap allows you to add a business location upon signup.\n\n**Taxes and Regulations **\nAlthough cryptocurrency is not totally banned in most countries but there is usually no clear rule of operation. But they may still be some regulations which have been put down and must be followed by citizens. \nFind out about the regulations in your country on cryptocurrency and how to pay taxes on them. Legality of bitcoin by country and bitlegal would be good places to start.\n\nAccepting cryptocurrency for payments also comes with its cons.\n\n**High Volatility **\nThis is one of the main reasons there is slow adoption of cryptocurrency. Prices rise and fall fast which may lead to excess loss on your part or that of the consumer. Payment processors help to reduce the effects by a great extent.\n\n**Price Fluctuations**\nPrice changes fast due to high volatility which makes it stressful to always check prices before sale.\n\n**Fund Loss**\nWhen you serve as your own bank a lot of human errors can be made which can lead to complete loss of funds. Always keep your mnemonic phrase safe and never expose your private keys.\nAccepting cryptocurrency puts you a step ahead of your competitors and prepares you for the future. Studies by Urban Airship as shown by the table below shows that in the future the millennials and Generation Z are more likely to use cryptocurrency.The \nGenerations and their Wallet Usage in percentage is shown below. \n\nMillenials (1977-1995)\n67%\n\nGeneration X (1965-1976)\n51%\n\nBaby Boomers (1946 – 1964.)\n28%\n\n\n Why not prepare your business for the future and take it to the next level of success and growth by accepting cryptocurrency for payment.",
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      "body": "Hello @greybat! This is a friendly reminder that you have 3000 Partiko Points unclaimed in your Partiko account!\n\nPartiko is a fast and beautiful mobile app for Steem, and it’s the most popular Steem mobile app out there! Download Partiko using the link below and login using SteemConnect to claim your 3000 Partiko points! You can easily convert them into Steem token!\n\nhttps://partiko.app/referral/partiko",
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