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      "title": "PayFrequent: A Gamechanger in Digital Money",
      "body": "<h1> Introduction</h1>\n\nWhen bitcoin was created, it was said to be the game changer in the world of finance. The opportunities that were created by bitcoin was an eye opener in the world. Bitcoin gave rise to the birth of blockchain technology and now so many organisations are trying to incorporate blockchain technology in its system especially the financial sector. Bitcoin critics said bitcoin is too volatile and it cannot replace the traditional fiat because of its volatility and this gave rise to the idea of stable coins like USDT, DAI, PAX etc. These stable coins were created to be as a digital currency which will replace fiat but because of some flaws, these stable coins are yet to attain global adoption. One problem associated with these coins is that are not independent in the sense that they depend on a third-party coin in order to facilitate transactions. For example, the USDT depends on Ethereum and that means in order to send USDT, the sender must have some Ethereum in his wallet as gas fees. Also, there is the problem of high cost of transaction. I will illustrate this with a scenario I encountered some time ago when I tried to send a small amount of USDT from my external wallet. I want to send a very little amount of USDT but the gas fee (Ethereum) I was charged with was outrageous, imagine being charged with a gas fee that is almost the same as the amount I am trying to send. Additionally, in order to replace or compete with fiat, these stable coins need to have high transactions speeds because the world is a busy place and no merchant or seller has the liberty of time to wait for money to send. All these highlighted flaws we encounter in using the popular stable coins in cryptocurrency will be solved by Payfrequent. \n\n\n\n![images (1).png](https://cdn.steemitimages.com/DQmanCpdatFUTJ14Lrf35QDJCLgjsTS63WU2WwBnk6xwQ24/images%20(1).png)\n\n\n\n<h2>PAYFREQUENT</h2>\nPayfrequent is cryptocurrency coin created and issued by Payfrequent Limited INC. Payfrequent coin is a stable value coin that is built on tomochain and it is fully backed by its native fiat currency. Payfrequent is issued on tomochain TRC-21 token standard and will be employing blockchain technology in order to achieve credit worthiness and price stability of native fiat currency for example the US Dollar. Payfrequent issues both the PUSD and PEUR as stable coin on the platform in order to anchor the value of the US Dollar and EUR respectively.\nThe world of the finance is taking a new turn and digital currencies is gaining popularity little by little and Payfrequent hopes to become a driving force in the fintech sector by solving the flaws of other stablecoins. One of the most important feature of Payfrequent is that it is fully independent from any other coin and the speed of transaction is the fastest when compared with other stable coins. being fully independent means that a sender does not need another coin as gas fee to make transactions. Also, Payfrequent rewards holders of it its coin with hourly, daily and monthly depending on the amount a user is holding and the coins does not have to be locked in order to be eligible for the rewards unlike other cryptocurrency projects. \n\n<h2>Conclusion</h2>\nFor global adoption of cryptocurrency to happen, cryptocurrency must be easy for anybody with little or no education to use and Payfrequent is striving towards this by making payfrequent easily redeemable and it also allows a multi-send option where assets can be sent to blockchain addresses, emails and even phone numbers.\n\n#Payfrequent #Digital_currency #btc #euro #eth\n\nhttps://payfrequent.com\n\n<a href ='https://t.me/payfrequentbounty'>Telegram</a>\n\n<a href=' https://twitter.com/payfrequent'>Twitter</a>\n\n <a href = 'https://bitcointalk.org/index.php?topic=5262519.msg54942653#msg54942653'>Proof of Registration</a>",
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      "parent_permlink": "blockchain",
      "author": "mikay",
      "permlink": "harmony-the-revolution",
      "title": "HARMONY: The Revolution",
      "body": "![pasted image 0.png](https://cdn.steemitimages.com/DQmax8YsjMw6L3NXPrbKD3vCs2xKwrEGuuTRU3mACajgURT/pasted%20image%200.png)\n[Harmony.one](https://www.harmony.one)\n\n\n**Harmony ?**\n\nHarmony is a fully scalable, provably secure and energy efficient blockchain based on sharded technology. Harmony is based on Proof of Stake (PoS) blockchain which is energy efficient which makes it capable of enabling unprecedented transactions per second and also easily scale the network. \n\n**What is Proof of Stake (PoS)?**\n\nProof of Stake is an alternative to Proof of Work (PoW).  It concept states that the more coin a person holds, the more mining power given to the holder. When a transaction is initiated, a verification step is required  from the miners which is to solve a computational puzzle known as Proof of Work (PoW) problem and the first miner to decrypt the puzzle is rewarded but mining requires high amount of electricity. PoS seeks to address this by limiting the miners to mine according to the percentage of the miner’s ownership stake.\n\n**Harmony Consensus Mechanism**\n\nConsensus is very important in any blockchain as it determines how secure and quick blockchain validators  reach a consensus on the next block. There are different types of consensus protocols  employed by different projects. For example, Bitcoin uses the PoW consensus protocol which requires the miners to first of all solve the PoW puzzle in order to know who to propose the next block. PoW consensus is also called Chain-based Consensus because the rule of this consensus protocol is that the longest chain will be the basic of all the chains. There are other consensus protocols like PBFT (Practical Byzantine Fault Tolerance) and FBFT ( Fast Byzantine Fault Tolerance). PBFT is a consensus protocol that is carried out in two different phase - the prepare and commit phase. Also in PBFT, one node is elected as the leader and the rest of the nodes are validators. \n\n![images (3).jpeg](https://cdn.steemitimages.com/DQmWBxxPdMcbpHYayzAe8DUB5eeobxNU9YLBwe7jXhSaAWb/images%20(3).jpeg)\n[Source](https://www.altoros.com/blog/hyperledger-fabric-chaincode-practical-byzantine-fault-tolerance-and-v1-0/)\n\n\nHarmony employs FBFT consensus protocol which is an improvement of PBFT because in FBFT,  the leader runs a multi-signature signing process to collect the  validators’ votes instead of asking the validators to rebroadcast their votes to other validators as in PBFT and this leads to reduced communication complexity.\n\n**Sharding Technology**\n\nSharding is a process of dividing database computational responsibilities into smaller segments. Shards are smaller segments of the database’s computational responsibilities that can individually carry out their task.  \nThere are many approaches that have been utilized  before to assign nodes to shards and a good example is;\n•\tRandomness-Based Sharding: Omniledger and Rapid-chain. In Randomness-Based Sharding, a mutually agreed random number is used to determine the Sharding assignment for the nodes and the random number must have the following properties; unpredictable, unbiaseable, verifiable and scaleable. \nAt a fixed time interval known as Epoch, Omniledger prevents the corruption of shards by reshuffling all the nodes In the shards while Rapid-chain reshuffled the nodes without interruptions by proposing the use of Bounded Cuckoo Rule.\n\n![images (2).jpeg](https://cdn.steemitimages.com/DQmYwDbx6aGAuyDJHNexfy5ufaeW3gdy1tymdkc8xEG8Uyk/images%20(2).jpeg)\n[Source](www.harmony.one)\n\nApart from Omniledger and Rapid-chain, Zilliqa that is the first Sharding-based public blockchain that claimed a throughput 2800 transactions per second because it uses PoW as identity registration process and transactions are assigned to different shards and processed separately and the resulting blocks are collected and merged at the directory-service committee. \nBased on the solutions provided by Zilliqa, Omniledger and Rapid-chain; Harmony draws inspiration from them and it designs a PoS based full Sharding scheme that contains a beacon chain and multiple shard chains which makes Harmony linearly scalable and provably secure.\n\n\n**Resharding**\n\nThe Sharding mechanism is a tool in which Harmony protects the shards from malicious validators but nevertheless the shards can be attacked when the validators are corrupt and this can only happen when the Sharding structure is fixed. According to the method in which the nodes, the attacks are classified into three (3) models; slowly adaptive, static round-adaptive and fully adaptive.\nIn order to solve the slowly adaptive attack, Harmony takes a cue from Omniledger by replacing validators in all shards every epoch. But this approach causes two major problems. In order to solve this two major problems , Harmony reshards the network by evicting validators that withdrew their stake and leaving those with stakes. This method is known as Cuckoo-rule Resharding Mechanism.\n\n The resharding mechanism is the reason why Harmony edges above other Sharding networks and why Harmony is one of the best option blockchain projects should employ as their underlying infrastructure. Harmony is fully scalable blockchain and also allows propagate blocks quickly across the network. One important application of Harmony will be its unprecedented ability to support high number of transactions per second by virtue of a linearly scalable Byzantine Fault Tolerance (BFT) which is faster than PBFT. Harmony is a project that strives to scale trust for billions of people worldwide.\n\n\n\n*Preferred Reward:* Ethereum",
      "json_metadata": "{\"tags\":[\"blockchain\",\"contest\",\"nigeria\",\"harmonyone\"],\"image\":[\"https://cdn.steemitimages.com/DQmax8YsjMw6L3NXPrbKD3vCs2xKwrEGuuTRU3mACajgURT/pasted%20image%200.png\",\"https://cdn.steemitimages.com/DQmWBxxPdMcbpHYayzAe8DUB5eeobxNU9YLBwe7jXhSaAWb/images%20(3).jpeg\",\"https://cdn.steemitimages.com/DQmYwDbx6aGAuyDJHNexfy5ufaeW3gdy1tymdkc8xEG8Uyk/images%20(2).jpeg\"],\"links\":[\"https://www.harmony.one\",\"https://www.altoros.com/blog/hyperledger-fabric-chaincode-practical-byzantine-fault-tolerance-and-v1-0/\",\"www.harmony.one\"],\"app\":\"steemit/0.1\",\"format\":\"markdown\"}"
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      "to": "mikay",
      "amount": "0.002 STEEM",
      "memo": "Appreciated @mikay. 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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  "timestamp": "2019-03-18T09:28:54",
  "op": [
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    {
      "from": "crypto.piotr",
      "to": "mikay",
      "amount": "0.002 STEEM",
      "memo": "Dear @mikay. Friend of mine published interesting publication about \"Cryptocurrencies, Blockchain and Value\". Perhaps you would like to share your own view on issue that intertest me particulary: how do you understand what VALUE is, and how explain it to others. I would love to hear your opinion. Yours, Piotr // LINK: https://steemit.com/steemromania/@crypto.piotr/re-lishu-cryptocurrencies-blockchain-and-value-20190318t085157536z"
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    {
      "from": "crypto.piotr",
      "to": "mikay",
      "amount": "0.002 STEEM",
      "memo": "Dear @mikay, I'm sorry for sending you few memos in the row. This is MY LAST one this month and I only wanted to share with you link to new amazing publication by @juanmolina. We're discussing potential threat of STEEM being worth 4$ for future of Steemit platform and I would love to know your feedback. Yours, Piotr.  LINK: // https://steemit.com/steem/@juanmolina/steem-s-value-vs-newbies-s-resources-credits-rc"
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  "timestamp": "2019-01-25T15:12:51",
  "op": [
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    {
      "from": "crypto.piotr",
      "to": "mikay",
      "amount": "0.003 STEEM",
      "memo": "I hope you don't mind this memo. I promise not to spam your wallet and my only goal is to introduce you to my small non-profit initiative. For past few weeks I've been promoting quality content of those who I found very supportive and active here on Steemit. This week I wanted to help @achim03 and @blockshine to get some exposure to their latest publications. Check out @achim03 post \"How to use Steemit to make your website more visible on search engines\". And don't forget to visit also publication by Daniel from @blockshine as he is sharing his experience in blockchain industry. Yours, Piotr"
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  "op": [
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    {
      "from": "crypto.piotr",
      "to": "mikay",
      "amount": "0.003 STEEM",
      "memo": "Hi @mikay, Once every week I'm trying to support quality content published by someone from our little crypto-community. And just yesterday friend of mine published interesting post about future of LCO, which he believe will be bigger than STO. I know you've some decent knowledge about crypto and blockchain and we were engaging already before so I figured that perhaps you could visit this post and share your view (read my comment as well) on that particular topic. Yours, Piotr // LINK: https://steemit.com/news/@blockshine/ico-s-in-turmoil-we-have-a-solution"
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  "op": [
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    {
      "from": "neavvy",
      "to": "mikay",
      "amount": "0.002 STEEM",
      "memo": "Hi @mikay. Have you ever wondered what is the future of internet? How Blockchain and AI can collaborate in order to make it a better place? If so, you may be interested in my latest post: https://steemit.com/cryptocurrency/@neavvy/is-this-the-end-of-the-internet-known-to-us-noia-network"
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      "memo": "Good morning @mikay. Allow me to continue in 2019 with my little program of supporting quality content created by members of our little community here on Steemit. I will share no more than one link a week (to avoid spamming your wallet with memos). This time my friend Robert started interesting discussion about censorship on social media and Steemit and I would love to hear your opinion on that issue. Yours, Piotr // LINK: https://steemit.com/steem/@robertoueti/the-past-we-had-internet-now-we-have-steem#@crypto.piotr/re-robertoueti-re-cryptopiotr-re-robertoueti-the-past-we-had-internet-now-we-have-steem-20190104t132759191z"
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      "memo": "Dear @mikay, This is my last publication in year 2018. Together with few Steemit friends we decided to use our influence and organize our first own support venture called \"Santa Venezuela\". We all hope that this project will be succesful and I would like to ask about your support // I hope you don't mind this memo. If you do then please let me know and I will remove you from my contact list. // Yours, Piotr. LINK: https://steemit.com/charity/@crypto.piotr/santa-and-piotr-visits-venezuela-join-us-today"
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      "from": "crypto.piotr",
      "to": "mikay",
      "amount": "0.003 STEEM",
      "memo": "Dear friend. I just had a pleasure to read interesting post by @crypto.hype related to future of PRIVACY ON BLOCKCHAIN and I would like to share link to this publication with you. Hope you can share your thoughts on this particular subject, as I really would like to know what's your opinion. Especially Im curious if you would agree with my comment (ps. I'm reading all replies). Yours, Piotr.  LINK: https://steemit.com/cryptocurrency/@crypto.hype/the-truth-behind-decentralized-exchanges-and-the-ongoing-fight-against-mass-surveillance"
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  "op": [
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    {
      "from": "crypto.piotr",
      "to": "mikay",
      "amount": "0.003 STEEM",
      "memo": "Dear @mikay, again I hope you don't mind this little mass-memo (if you do then please let me know and I will remove you from my contact list and I won't bother you ever again). Im sending it to you only because we've been engaging with each other and this is my little way of supporting valuable content on Steemit. OK. LET'S GET TO THE POINT: I would like to ask you to show your valuable support to @chbartist and @hatu since they both made my recent delegations possible. Visit their latests publications: 1) @chbartist just published great post \"Building Bridges; How Do We Make Valuable Connections in Life?\" and it's really worth to read it. 2) At the same time @hatu is doing some serious giveaway in his latest post. /// ps. I will do my best to read and reply to all your comments. Especially if you would mentioned my name (so I will receive notification). Let's build our strong little community together! :) Yours, Piotr"
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  "op": [
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    {
      "from": "crypto.piotr",
      "to": "mikay",
      "amount": "0.002 STEEM",
      "memo": "This memo is part of my little campaign that aims to promote quality content of those who support me on daily basis. So, did you ever wonder what information Facebook knows about you, your life, friends, habbits etc? I really didn't pay much attention to this issue until I've read latest post by @vimukthi. (if you don't want receiving memos from me then please let me know). Visit his post, show your support and share your opinion. Does it scare you or perhaps you don't care. (I will read all comments on this subject). Yours, Piotr. LINK: https://steemit.com/dlike/@vimukthi/facebook-knows-a-lot-about-me--heres-everything-i-found-cnbc"
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    {
      "from": "crypto.piotr",
      "to": "mikay",
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      "memo": "I hope you don't mind this memo. Good friend of mine (very young Polish blogger) published post about Security Tokens and Polymath. Im trying to help him get some exposure and I would be grateful if you could drop a comment (or two;). Yours,Piotr. LINK: https://steemit.com/crypto/@neavvy/running-security-token-on-polymath-is-it-a-revolution-tutorial-included"
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