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      "body": "Congratulations @jonelrojo! You received a personal award!\n\n<table><tr><td>https://steemitimages.com/70x70/https://steemitboard.com/@jonelrojo/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/@jonelrojo) and compare to others on the [Steem Ranking](https://steemitboard.com/ranking/index.php?name=jonelrojo)_</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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      "body": "Hi @jonelrojo, I'm @checky ! While checking the mentions made in this post I noticed that @pikcars doesn't exist on Steem. Did you mean to write @<em></em>piyars ?\n\n###### If you found this comment useful, consider upvoting it to help keep this bot running. You can see a list of all available commands by replying with `!help`.",
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      "body": "Introducing Great Project of the year\n\nBEAT Blockchain \n\nUnlock the hidden value of your health and fitness data with the BEAT Blockchain - one heartbeat at a time.\n\nThis great very profitable to everybody.\nImagine when doing sports you can benefit from your data and earn tokens and discounts.\n\nThis must be supported, join us and invade the whole world.\n\nRemember No pain No gain.\n\nHurry up and grab your free token now\nor join the sales.\n\nSign up here.\n\nhttps://beat.org/?x=HJrqsjvsf",
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      "body": "BLOCKCHAIN.IO\n“Your Gateway to the Internet of Value”\n\nWhy Blockchain.io?\n\nBlockchanin.io is the European cryptocurrency exchange of trust for individual and institutional traders and investors.\n\nAnd the great is, blockchain.io is using PAYMIUM’S advance technology, team, security protocols and infrastructure.\n\nAnd with that, we can say and prove that it will be one of the most trusted, huge and great projects of year 2018.\n\nSo how can we prove that?\n\nPaymium is the first compliant, fully audited European Bitcoin Exchange that founded in 2011\n\nIt has been hack-free since the beginning of its operation in 2013.\n\nPaymium has proven to be the most secured and reliable exchange in Europe with its experienced executing team, Ventured Capital funds backing and financials strength.\n\nIt has a high level of digital asset protection and safe record of transaction.\n\nWith the combination of those great characteristics blockchain.io built and will provide the great services to all community.\n\n\"Crypto Exchanges’ Problems that Blockchain.io Aims to Fix\"\n\n'Security Breaches'\n\n• High volume crypto-assets platforms are constantly attacked by hackers who seek to bring the systems down, typically through DDoS attacks. Fraudsters also try to break into accounts using social engineering to steal cryptocurrencies from users.\n• Many high-volume platforms could not withstand these attacks and were forced to shut down.\n• Case in point: In August 2016, a large platform acknowledged the loss of 120,000 BTCs (bitcoins) for a value, at the time, of USD 75 million.\n• It is estimated that since 2011, at least three dozen major heists against cryptocurrency exchanges occurred. Close to 1 million BTCs were stolen.\n\n'Non-compliance'\n\n• Many users had their assets seized or frozen due to platforms’ lack of compliance with national and international laws and regulations.\n• Case in point: An exchange had inadequate AML and KYC procedures. When the State of Washington decided to regulate Bitcoin exchanges, this platform chose to suspend the accounts of users from that State.\n• Case in point: In September 2017, following a national ban by the Chinese (PRC) State, China’s largest exchange suspended its operations.\n\n'Opacity'\n\n• The management and operations of some exchanges are opaque. They have very poor customer service and do not respond to user enquiries. Users are exposed to high risk and uncertainty, which creates massive tension as stress quickly spreads in the community.\n• Case in point: In July 2017, the U.S. government brought federal charges against a platform for money laundering and operating an “unlicensed monetary service.” The platform was shut down and reopened only once the full inquiry was completed and a court decision was made.\n• Some exchanges operate dark pools (OTC or Off-Exchange transactions) and don’t address price manipulations, therefore allowing some market participants to spoil others.\n\n'Outages'\n\n• Many platforms experience service outages in periods of high volatility. This obviously results in major losses for traders and investors.\n• Case in point: In June 2017, a platform shut down for several hours causing a 25% decline in the price of both BTC and ETH.\n• Case in point: In August 2017, following performance issues which caused a flash crash, a platform delisted tokens, suspended trading on currency pairs such as the ETH/GBP, and removed advanced functionalities such as its cryptocurrency borrowing facility and margin trading.\n• After the outages, most exchanges simply try to resume operations as quickly as possible and seldom fix their accounting records or upgrade their server infrastructure.\n\n\"Blockchain.io’s Key Claims\"\n\nHighest Security, Reliability, and Accountability Standards\nBlockchain.io aims to overcome the current shortcomings of the crypto exchange market by applying the highest standards in security, reliability, compliance, and accountability.\nTo achieve this, the team will rely on its advanced knowledge of cryptographic technology, its operational in-depth understanding of the crypto world, its strict discipline in software development, and its longstanding commitment to compliance and accountability.\nThe founders of Blockchain.io are a seasoned team with in-depth knowledge of cryptocurrency protocols. They pioneered cryptocurrencies in Europe in 2009. They subsequently created Paymiumin 2011, making it the first European Bitcoin exchange. Paymium claims the Highest standards in security, reliability and accountability, which will also be the hallmark of Blockchain.io.\nPaymium has been operating hackfree since 2013. A company culture of commitment to security and technological competence are the underlying basis for this excellence.\n\nIn terms of compliance and accountability, Paymium is, to the best of our knowledge, the only crypto exchange whose financial accounts are fully audited by an external auditor with a European title equivalent to an American CPA. The platform applies on a voluntary basis, and complies with, European Banking requirements for antimony laundering (AML) and know-yourcustomer (KYC) procedures.\nPaymium and Blockchain.io offerings are a perfect pair and the logical next step to meet the rising expectations of the crypto world as it evolves into the Internet of Value.\n\n'Aiming for European Leadership'\n\nThe European cryptocurrency market is still up for grabs and Blockchain.io is determined to lead it. Blockchain.io will naturally address the untapped opportunity of the currently underserved European market. Europe represents only 7% of the global volume of fiat-to-bitcoin currency exchanges (Source: CryptoCompare, February 2018). Yet the European Union (EU) covers 28 countries with 510 million inhabitants. European governments have adopted Fintech friendly policies. They regard blockchain developments as an extremely valuable tool to revamp financial services. Institutional and individual investors show a growing appetite for Bitcoin, Ether, and European ICOs. Most European regulators are open, with a wait-and-see attitude. In Blockchain.io’s vision, these factors bring extremely compelling evidence of the strong growth potential of the European market.\n\n'Combining a Centralized Exchange with Decentralized Settlement'\n\nBlockchain.io will be dedicated to exchanging cryptocurrencies against each other, a complementary offering to the founders’ fiat exchange, Paymium.\nThe Blockchain.io platform will combine the new-generation technology of a centralized custodial exchange with decentralized “trustless” cross-chain “fair exchange” settlement. The centralized cryptocurrency exchange will be a low-latency, full-featured exchange with custody services, centralized order booking, and efficient order matching. As Blockchain.io grows, it will add more functionalities such as margin trading, proprietary lending, and peer-to-peer lending.\nThe decentralized cross-chain settlement will be based on cross-chain atomic swaps, i.e. cryptographic protocols that allow users to settle transactions across heterogeneous blockchain networks without ‘trusted’ third-party and without counterparty risk. This will represent a big departure from traditional markets and a major step toward the Internet of Value.\n\n'Offering Liquidity Services'\n\nBlockchain.io will jumpstart liquidity in three specific ways:\n• ICO services offering to assist issuers with their ICO campaigns and ICO listings,\n• Listing of other tokens (Non-ICO),\n• Market making using Blockchain.io inventory\n\n'Custody and brokerage services for institutional clients'\n\n• Incentive program for Paymium users to ensure the smooth and seamless transition of the community to the new services. The 170,000 accounts of Paymium will become the first community to access Blockchain.io services and the Internet of Value.\n\n'Leveraging Advanced Cryptographic Protocols'\n\nThe Blockchain.io team will be the engaged drivers of the development of the advanced cryptocurrency protocols that will enable Blockchain.io’s decentralized settlement.\nBlockchain.io leverages research and development by the most prominent software developers who are entering the cryptocurrency ecosystem in droves. Among them, the teams at Lightning Networks, Tumblebit, and Rootstock are constantly improving on-chain and off-chain cryptographic protocols to enable atomic swaps through hashed timelock contracts (HTLC), payment channels, and sidechains.\nThese technologies enable seamless trading across heterogeneous blockchains fueled by cryptocurrencies of different nature such as POW, POS, DAG, and others, such as POB. They also provide solutions to the scalability issues of Bitcoin-based blockchain and massively lower the cost of transactions.\n\n'Compliant and Ready for Mainstream Adoption'\n\nThe Blockchain.io and Paymium teams believe in a regulated future for cryptocurrencies 2.0.\nWhile a few governments such as the PRC’s have temporarily banned cryptocurrency exchanges, most national regulators, such as the SEC in the US and the AMF in France are seeking to define a regulatory framework for cryptocurrencies and ICOs. Gibraltar issued its own token. Japan licensed currency exchanges, while considering, like Estonia, issuing State-sponsored tokens for specific uses.\nBlockchain.io strongly believes that cryptocurrencies will be regulated, in various forms, extent, and degrees, depending on the country or region. Our philosophy for Blockchain. io is to anticipate regulatory requirements and become the first exchange to be fully compliant as soon as relevant regulations are being issued.\nBlockchain.io considers this as an essential feature for the successful course of business. The team has engaged in regulatory watch and conducts frequent discussions with various State authorities to educate them in cryptocurrency issues and to ensure that the key values of the crypto community are understood and respected.\nCompliance and security are closely intertwined, as are the legal and technology standards they imply. Mastering both will unleash the potential of the cryptocurrency ecosystem and trigger mass adoption among institutional and individual investors.\n\n\"The Blockchain Project In Detail Overview\"\n\n'Blockchain.io Main Functionalities'\n\nBlockchain.io aims to be the cryptocurrency exchange of trust for individual and institutional traders and investors. It aims to combine a state-of-the-art low-latency cryptocurrency exchange with advanced decentralized settlement using the latest “trustless” cross-chain trading protocols to settle trades without the need for a trusted third-party or counterparty\n\n'Cryptocurrency Exchange'\n\nWith asset custody services, advanced trading features, and proven security procedures to protect customer databases, digital assets inventories, order book, and the order matching engine.\n\n'Decentralized Settlement'\n\nFair-exchange (“trustless”) protocols allowing atomic swaps, i.e. atomic cross-chain trading of cryptocurrencies without the need for a trusted third-party. The decentralized settlement eliminates the counterparty risk.\n\n'Liquidity Services'\n\nBlockchain.io will offer listing services for selected tokens, i.e. tokens strictly vetted by technology and business due diligences. The company will also offer ICO services, such as the planning and execution of selected ICO campaigns, and market-making services.\n\n\"ESSENTIAL FEATURES\"\n\n'Ultra-Secure & Decentralized'\n\n• The centralized part of the exchange offers highly secure custody services with cold storage and cryptographic proof of reserve.\n• Cryptocurrencies are held in cold storage (offline) for at least 98% of reserves.\n• A cold wallet access requires multiple signatures.\n• A cold wallet private key is split and held in a number of different vaults in multiple locations.\n• Other in-house security processes and technological features.\n• Internal procedures protect the exchange from social engineering attacks. Periodic technical audits and timestamped logs allow detection of any tampering attempts in the accounting database.\n• Periodic financial audits verify that the inventory of coins (assets side) matches the records of liabilities with cryptographic proof. If the exchange’s customer balances are checked against a blockchain inventory of coins (utxos in Bitcoin language) every block interval, there is little or no room for a rogue intruder to alter database records with profit.\n• Decentralized settlement relies on fair-exchange protocols allowing atomic swaps of cryptocurrencies to eliminate the counter-party risk inherent to a custodial exchange.\n\n'Fully Compliant & Transparent'\n\n• Exhaustive accounting records are audited by independent professional auditors to ensure the integrity of the trading platform.\n• The exchange aims to comply with all current applicable EU regulations, ensuring that assets never get seized or frozen.\n• Customer balances on the liability side must match exactly the inventory of coins held by the exchange. Blockchain.io aims to perform such balance check and to publish its cryptographic proof at every block interval.\n\n'Reliable Infrastructure'\n\n• Minimal downtime, typically restricted to server maintenance, application upgrades, or database migration.\n• Resilience under high volume, heavy traffic conditions, or DDoS attacks. • No technical debt: exchanges that quickly add new altcoins or new features without proper testing or careful software design accumulate technical debt by taking shortcuts. Technical debt translates into applications that are harder to maintain and prone to bugs and security holes.\n• Blockchain.io will attract high volume traders with specific features such as a FIX API and a borrowing facility, but also with the high level of availability of the trading platform.\n• Processing capacity in the first phase will be of up to 2 million orders per day.\n\n'Select Digital Currencies'\n\n• Cryptocurrencies will be listed on the trading platform following a strict vetting process (sustainability, technical, and deep protocol review) by our team of blockchain experts.\n• Regular updates and publications will inform platform stakeholders and the community through altcoin technical reviews and financial analyses.\n\n'ICO Execution & Token Listing'\n\n• Blockchain.io will provide ICO campaign support and token listing services to assist entrepreneurs and technologists in the planning and execution of their fundraising campaigns.\n• Following the ICO campaigns, Blockchain.io will ensure that newly created tokens are listed on Blockchain.io to provide liquidity to investors and traders.\n• In addition, Blockchain.io will create Token liquidity through:\n• Market making using Blockchain.io’s inventory\n  Incentive program for Paymium users.\n\n\n\"Blockchain.io will provide an intuitive trading experience catering to the needs of both individual and institutional traders and investors.\"\n\n'High Performance Matching'\n\n• High availability and high scalability of the trade matching engine will sustain a deep order book on all pairs of cryptocurrencies and process up to 2 million orders per day.\n\n'Basic & Advanced Orders'\n\n• A large variety of trade order types will address the needs of both beginners and expert traders.\n• These will include market, limit, stop loss, take profit, trailing stop orders, self-cancelling and expiration orders.\n\n'Transparent Auctions'\n\n• Transparent cryptocurrency auctions will take place several times a day in order to bootstrap new cryptocurrency trading through a trustless price discovery mechanism.\n• Market participants may place an auction-only market order, which will execute at the final auction price or input a limit order indicating the maximum buying price or a minimum selling price for their coins. The auction matches the aggregate buy and sell demands from all participating orders to determine the price (“cross-price”) at which the largest quantity can be filled.\n\n'Peer-to-peer Lending'\n\n• Traders who need to borrow funds to trade on margin will be able to borrow from other platform users.\n• Lenders will earn interest on borrowed funds.\n• Interest rates will be set based on supply and demand using a centralized order book and an order management system.\n\n'Proprietary Lending'\n\n• Blockchain.io will maintain and manage a centralized inventory of cryptocurrency funds.\n• These funds will be lent to platform users against interest.\n• Funds will be made available for lending in the centralized order book and interest rates will be set using a supply and demand process.\n• Funds from the centralized inventory may, on a case by case basis, also be lent to traders who need to borrow large amounts. These transactions will be closed over-the-counter.\n\n'Short & Long Margin Trading'\n\n• Traders may borrow funds to benefit from coin volatility by trading on margin.\n• Margin trading can be used for short and long trades.\n• Long trades will automatically be closed by the exchange when amounts invested exceed borrowing capacity. At this stage, the borrowed funds are automatically returned to the lender along with accrued interest.\n• Traders who short-sell a coin may borrow this coin from another platform user or from the centralized inventory to sell it right away. A trader can borrow a coin for short selling only if a value in coin is locked by the platform to secure the trade. Once this security reserve is exhausted, the trade is automatically closed by the system and the borrowed coin returned to the lender along with the interest earned.\n\n\n\"BUSINESS MODEL\"\n\n'Trading'\n\n• Competitive two-way buy and sell fees on all exchange transactions conducted through the marketplace.\n• Blockchain.io crypto exchange will seek to encourage market liquidity.\n• Blockchain.io charges fees on both legs of the trade.\n• Market maker fees are lower than taker fees.\n\n'Lending'\n\n• Cryptocurrency borrowing and lending will generate interest for lenders.\n• Commissions apply to interest generated from borrowing from the centralized Blockchain.io inventory.\n• Blockchain.io charges interest for lending from its centralized lending inventory.\n\n'Withdrawal'\n\n• Withdrawals requested by Blockchain.io users will incur a modest fee.\n\n'Payment transactions'\n\n• E-commerce and in-store payment transactions processed through Blockchain.io will incur a fee calculated as a percentage of the transaction.\n\n'ICO services'\n\n• Blockchain.io will charge consulting and transaction fees to project teams willing to be assisted by experienced legal, marketing, and finance professionals in the planning and execution of their ICO campaign.\n• ICO projects will be pre-selected by Blockchain.io staff and approved/voted upon by the community.\n• Criteria for project eligibility will be:\n1. Legal compliance of the project\n2. Team experience and background\n3. Company track-record\n4. Market potential\n5. Quality of the project\n6. Existence of a viable product\n7. Utility of the token\n8. Existence of a hard cap\nBlockchain.io will structure the entire operation on behalf of the client and charge a fee in form of a percentage of raised funds\n\n'Coin / Token listing'\n\n• Blockchain.io will charge a fee to list a token applying to be traded on Blockchain.io.\n• Following a successful ICO campaign supported by Blockchain.io, a token will automatically be listed on the exchange. Listing will provide liquidity to project founders and traders.\n• Other tokens applying for listing will be submitted to a drastic selection process conducted by the Blockchain.io team of experts. Blockchain.io reserves the right to turn down some of the applicants.\n• This listing fee will most likely be charged on a full year basis.\n\n“Blockchain.io has a great Market Vision”\n\n“In Blockchain.io’s vision the Internet of Value is the next level of evolution of the Internet. The internet of value enables users to securely trade assets, rights, goods and services, globally and around the clock, without the involvement of a centralized authority, or traditional financial intermediaries, or so called ‘trusted’ third-parties.\n\nThe Internet of value is built on multiple decentralized, automated, transparent, andsecure blockchain-based value networks. Different networks operate different versions of the blockchain, which in turn are fueled by different cryptocurrencies such as Bitcoin, Ether, or Litecoin. Each network meets the needs of certain types of transactions, such as high-value payments or title registry, or the needs of specific trading communities, such as a network of autonomous objects or an industry sector.\n\nBlockchain.io as the leading exchange in the Internet of Value will enable users to trade across all these value networks.”\n\n\n\n\"Blockchain,io has great Development Team\"\n\n-Pierre Noizat (Founder & CEO) https://www.linkedin.com/in/pierrenoizat/\n\nPierre is the CEO of Paymium, a company he co-founded in 2011 as one of the first bitcoin exchanges in the world. Pierre started working on cryptography applied to digital television services long before bitcoin appeared. He is a recognized expert in the cryptocurrency industry. He has authored numerous books and articles about Bitcoin and is a much sought-after speaker at major conferences on the subject, such as the Bitcoin Conference, Vivatech, Wired and PayForum.\nPierre holds an MSc from Ecole Polytechnique, France’s leading Engineering School, and a MBA Degree from Columbia University in New York.\n\n\n\"An Experienced Crypto, Blockchain and Bitcoin Exchange Team\"\n\n-Dominique Rodrigues\nCTO https://www.linkedin.com/in/dominique-rodrigues-6297302b/\n\nA highly skilled research engineer with more than 15 years of experience as a part of the French Atomic Energy commission, Dominique is a system-oriented entrepreneur who has cofounded two startups. He graduated from Ecole Normale Supérieure and holds a PhD in numerical simulation & high performance parallel computing from Ecole Centrale Paris.\n\n-Pierre Tavernier\nCMO https://www.linkedin.com/in/pierretavernier/\n\nPierre is a strategic planner with both consulting and entrepreneurial experience in the financial sector. Over the past 10 years, Pierre has worked in seven countries on the four continents of Africa, America, Asia, and Europe. Pierre holds a Master in Management in Corporate Finance and Financial Markets from EDHEC Business School.\n\n-Laetitia Zito\nCFO https://www.linkedin.com/in/laetitiazito/\n\nLaetitia is a cool-headed, no-nonsense CFO with more than 10 years of experience in finance management and control. She has worked in Canada, US, and France; and is an expert in international business management. Laetitia holds a Master in Financial Management & Controlling from ESSEC Business School.\n\n-Pierre Michard (Lead developer) https://www.linkedin.com/in/pierre-michard-a9b60532/\n\n-Anthony Grouselle (Full-stackdeveloper) https://www.linkedin.com/in/anthonygrouselle/\n\n-Paul Gaston Gouron (Full-stack developer) https://www.linkedin.com/in/gastonpaul/\n\n-Samuel Bezerra (Mobile developer and Product Owner) https://www.linkedin.com/in/samuelbezerrag/\n\n-Guillaume Berche (Marketing & Business developer) https://www.linkedin.com/in/guillaume-berche/\n\n-Julien Lee Kien On (Marketing & Business developer) https://www.linkedin.com/in/leekienon/\n\n\n\nFor more Information about Blockchain.io\n\nVisit their website: https://blockchain.io/\n\nTwitter: https://twitter.com/blockchainio\n\nFacebook: https://www.facebook.com/blockchain.io/\n\nYouTube channel:\n\nhttps://www.youtube.com/channel/UCXBNUMV8QIzOpM3bYNll3zA/\n\nTelegram: https://www.youtube.com/channel/UCXBNUMV8QIzOpM3bYNll3zA/\n\nLinkedin: https://www.linkedin.com/company/blockchainio/\n\nBitcointalk: https://bitcointalk.org/index.php?topic=3681257.0\n\nReddit: https://www.reddit.com/r/blockchainio/\n\n\n\n\nARTICLE WRITER:\nHi, I’m Jonel F. Rojo\n\nFrom Philippines\n\nFor me. “Crypto holding results to a life changing”\nFor consideration\n\nFollow me @\n\nTwitter: https://twitter.com/jonel_rojo\n\nFacebook: https://www.facebook.com/jonel.arciel\n\nLinkedin: https://www.linkedin.com/in/jonel-rojo-8417a5148/\n\nThank you for subscribes….",
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