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      "body": "Congratulations @saramohammed! You received a personal award!\n\n<table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@saramohammed/birthday2.png</td><td>Happy Birthday! - You are on the Steem blockchain for 2 years!</td></tr></table>\n\n<sub>_You can view [your badges on your Steem Board](https://steemitboard.com/@saramohammed) and compare to others on the [Steem Ranking](https://steemitboard.com/ranking/index.php?name=saramohammed)_</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": "![](https://cdn.steemitimages.com/DQmP6m8UQdZpFBSotMKi6RVe1JxxANqe5qcZqDbYEBjKzj7/image.png)\n\nBlockchain Technology is not only set to revolutionize the world but it’s already making inroads into various sectors of a host of industries globally. The financial industry seems to be the frontline for developments of this technological innovation just as it was the case with Bitcoin when it was first rolled out in 2009 which disrupted the financial payment systems of the world and it is something that the likes of GALLACTIC Blockchain, an emerging next generation blockchain platform, continues to do.\n\nMany questions have been asked regarding all the possibilities for change and improvement that Blockchain Technology can bring not only through the cryptocurrency realm but through its other technological facets such as the distributed ledger technology, smart contracts, technical standards (e.g. ERC-20), numerous blockchain platforms, countless crypto-tokens and applications, and others being developed and already developed. One of the main questions asked, is whether the much hyped enhanced transparency that Blockchain Technology will foster, can help the banking industry?\n\nWhat really is Blockchain Technology?\n\nBlockchain is basically a distributed ledger where encrypted data and records are replicated amongst its participants or nodes and cannot be changed or erased. It provides for a decentralized ecosystem in the form of peer to peer networking where there is no need to rely on a third party intermediary wielding control over the asset rights managed by ‘smart contracts’ (predetermined self-executing programs). This provides a means where complete data of transactions will be shared between participants of a public ledger or for those permissioned on a private ecosystem in almost real-time basis. In other words there is more transparency where Blockchain Technology is used.\n\nBlockchain’s Potential Uses In Banking due to Its Transparency\n\nThis potential for transparency internally and externally can help provide banks the opportunity to replace certain middle- and back-office functions, provide unprecedented cohesion to internal bookkeeping procedures, show an account of consensus with audit trail of transactions that have been cryptographically encoded, create almost real-time settlement and strengthen risk management both ways for the bankers and their clients alike. All these will see cost savings in time and labor requirements, reduced paper work and elimination of repetitive work, reduction of fraud and illegal activities, and decentralization among other things.\n\nSome say because of the transparent nature of Blockchain Technology, it does not need to be regulated, hence there will be tremendous savings in cost from this area also should it become a reality. Banking wise this transparency can basically negate the need for checks and balances that usually take-up important resources and manpower. Which is what big banks like JP Morgan, Citibank, HSBC, Barclays, Banco Santander, Bank of America, Bank of Australia and others are hoping to leverage upon, with their investments and Proof-of-Concept (PoC) initiatives, a variety of projects with various Fintechs such as Ripple, Ethereum, R3, Transfer Wise and a list of other startups to find ways to adopt Blockchain Technology more expediently into their operations.\n\nBlockchain Technology, Fintechs, and Banks\n\nBlockchain based distributed ledgers can be utilized for complex financial assets where no clear central authority exist to regulate, arbitrate and/or mitigate counterparty failure or risk of trade. Therefore, this technology will also benefit, through its potential for greater transparency, banking products like Public & Private Stocks/Bonds, FICC derivatives, Syndicated loans, Factoring, letters of Credit, Corporate Bonds, and Derivatives Margin/Collaterals especially in the transfer of these securities. The amount of applications within and outside the banks will be limited as blockchain transactions hold all relevant information for the successful transfer of related contracts and/or assets.\n\nFurther Uses of Blockchain Against Crime\n\nSome of the other benefits to banking, due to the open and transparent network infrastructure of blockchain, is that trust will not be an issue anymore. Because information is decentralized, all parties with access to the blockchain have complete transparency where any fraudulent activity like a data breach or attempts to corrupt, delete or change information would be noticeable and traceable.\n\nInvestors and depositors in the near future might also be able to track, through more transparency, how and where their funds are being used by the banks which promotes accountability on the bank’s part.\n\nBlockchain in KYC/Identity Uses\n\nBlockchain will also permit independent verification of one client by one bank or organization to be accessed by other banks and organizations so there isn’t ‘know your customer’ (KYC) repetition and administration costs for compliance departments would be much reduced. Already across Europe, in early 2018, open banking and the second payment service directive (PSD2) is allowing third parties to have access to customer’s transactional banking details to offer comparison services and new applications for people to manage and transfer their money online. Think how much more transformation and advancement there will be in this area when Blockchain comes into the picture?\n\nApart from all the above benefits to the banking industry, as all money can be easily traced to its rightful owner by Blockchain and its applications, which afford transparency in payments of goods and services, there will certainly be accelerated adoption of this technology by the banking industry in the days to come.\n\nNotable Global Blockchain Technology Advances in 2018\n\nEthereum’s price traded on 8/28/18, just above the $290 level and nearly tested the $300 resistance against the US Dollar. There has been a slow and steady rise of ETH against the US Dollar in August, 2018 and experts say it should rise above the $300 level sometime soon this year.\n\nFinterra — A multi-national start-up FinTech company is currently providing ‘Social Solutions for Blockchain’. Finterra’s GALLACTIC Blockchain Platform has been developed with state-of-the art multichain architecture — built with next-generation blockchain technology. GALLACTIC is an open source Blockchain platform, with a user-friendly development environment, interoperability initiative and an ecosystem of permissioned and public chains. GALLACTIC Blockchain was established in October 2017 and to date has a userbase of 700,000 attracted by multiple use cases built upon its platform. The GALLACTIC crowdsale starts 1st November 2018 and ends 30th January 2019.\n\nRipple — Japan Bank Consortium to release in Autumn 2018, a ground breaking smartphone application called ‘MoneyTap’ which is powered by Ripple’s Blockchain Technology that enables clients of the bank consortium to settle transactions instantly 24/7. Japan has been slow over the years in adopting mobile payment technology as compared to other Asian countries but 2018 will prove to be a major shift to digital payment applications.\n\nWriter: Chris Yip",
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      "title": "Japan Takes the First Step in Saying Goodbye to Fiat Currency",
      "body": "![](https://cdn.steemitimages.com/DQmeMU1Zck69dtRGg8CmDo82NWAkJcGPwxJCk1rxeciMzUo/image.png)\n\nEver since the beginning of the crypto boom, people have heard about the how cryptocurrencies are far more superior than fiat currency. Examples of those advantages include no intermediaries, low transaction fees and access for everyone. The question nowadays, is when, will this happen? People want to see results rather than hear promises that may or may not come to fruition. Well, Japan is the first nation to show promise in moving this technological advancement further.\n\nIn this year alone, Japan has taken strides in the crypto industry by pushing the envelope. This was apparent when Japan launched its first bank-backed crypto exchange earlier this year. The news came as a surprise to those who believed that crypto exchanges and banks cannot coexist.\n\nRecently, Japan made headlines with another development to the crypto space. The world’s largest financial group, Mitsubishi UFJ Financial Group (MUFG), has been experimenting with its own cryptocurrency called MUFG coin at a convenience store for employees. This week, a Japan-based daily newspaper visited the convenience store and reported that the experiment was “quietly advancing”.\n\nA cash register was set up for payments using the MUFG coin at the convenience store and, at the checkout, payment is made by a QR code using smartphones. This experiment has been useful in understanding any issues that users and stores may face when using cryptocurrency. MUFG coin is pegged to the yen on a 1:1 ratio. Mitsubishi UFJ Financial Group stated that fiat money in all forms takes a “significant toll in terms of cost and time required for the procurement, storage and transport of these instruments is often overlooked.”\n\nProgress in the technological space has been moving at a rapid pace. Most individuals and companies have accepted that the power of blockchain, such as the innovative GALLACTIC Blockchain, too great to be ignored, but unless the first steps are taken to ensure blockchain is utilised, change will not take place. Now is the time for change, for theories to be turned into reality.\n\nFor more information on GALLACTIC, go to www.gallactic.io.",
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      "title": "How Should Countries Regulate Blockchain?",
      "body": "![](https://cdn.steemitimages.com/DQmdTf6Sq1jJqKhk1NmgSpBi9RVftUyh3B2CBfJde9FrsRZ/image.png)\n\nWhen we first started hearing about blockchain technology, its potential may have sounded miraculous, with the promise of no third-party involvement, low to zero transaction fees, higher transparency in storing data and much more besides. All the hype might have sounded far-fetched but still a worthwhile technology. Aiming to solve issues of scalability, interoperability and ease of use, blockchain platforms have proven themselves again and again as a disruptor in how we view technology and the impact it has on our lives. So why is it that regulations are getting in the way? Why are regulatory agencies, governments and banks eyeing this technology like it is something to be dreaded?\n \nDespite the benefits mentioned, certain countries have already put laws in place to stop blockchain companies or limit what they can do.\n\nEU’s GDPR\n\nThe General Data Protection Regulation (GDPR) came into force on May 25 and received both praise and backlash. The goal of the regulation is to protect users’ information and give them the ability to have all their personal information held online, deleted. This received a lot of support from those who fear having their private data available on the internet, especially without their consent. However, when it comes to blockchain technology, problems arise, because data stored on blockchain cannot be modified or deleted. how can there be transparency if the GDPR allows information to be erased and made private? This goes against what blockchain is all about and how data stored on blockchain!\n\nEast Asia and China’s Cryptocurrency Ban\n\nNear the start of the blockchain era, East Asian countries were one of the more advanced countries when it came to blockchain and cryptocurrencies. With their mentality of “business first, regulation later”, companies were given the freedom to operate without restriction.\n\nOne of the countries at the forefront of it all was unsurprisingly China. However, it didn’t take long for this potential to be restricted. In fact, the restrictions started as far back as December 2013 when Chinese ministries started taking action against Bitcoin. In January 2017, an official notice was published against cryptocurrencies and again in September 2017 to ban ICOs. Not long after, Chinese exchanges and mining factories were forced to shut down. Obviously, this ban affected the international community, including other nations.\n\nSouth Korea and Japan followed suit, although not as severely as China and introduced similar restrictions. ICOs have been banned in South Korea, even though blockchain technology is generally encouraged. The government has yet to take a stance on the legal and regulatory aspects of funding and trading cryptos.\n\nSince the start of the blockchain era, Japan has been one of the first countries to recognize Bitcoin as currency. Still, its regulatory bodies have restricted their assessment of cryptocurrencies to Bitcoin alone and are not ready to accept other blockchain-powered businesses.\n\nAmerica’s “Regulation First, Business Later” Approach\n\nU.S. government agencies, on the other hand, have taken a “regulation first, business later” approach, in which overwhelming scepticism prompted regulators to limit the mainstream applications of blockchain projects using cryptocurrency. The U.S. Securities and Exchange Commission has instructed that cryptocurrencies will be considered “assets” under governmental purview, deterring many major international cryptocurrency companies from wanting to run in America.\n\nWhat Now?\n\nIt is understandable why there needs to be some regulations to restrict the use of blockchain technology that is used in promoting any form of investment, especially with the rising number of fake cryptocurrencies. What could be of utmost benefit to the industry is if a unified regulatory framework was implemented. This was attempted in March when members of the G20 met to discuss the future of cryptocurrencies on the international stage, but no consensus was reached. Right now, it may seem like there are more disagreements than consensus, but this is all expected to change as blockchain becomes recognized as an important technology for companies worldwide.\n\nRead the original article http://fortune.com/2018/06/25/blockchain-cryptocurrency-technology-regulation-bitcoin-ethereum/.\n\nLearn about Gallactic at https://gallactic.io/.",
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      "body": "How to Decide If an ICO is Worth Contributing?\n\nTo most people, an ICO is when investors are offered some units of cryptocurrency in exchange for cryptocurrencies like BTC or ETH. ICOs have been used to fund start-ups if there is a demand for the cryptocurrency. Normally, investors spend digital tokens on the platform or sell them later, on crypto exchanges at a different price.\n\nSince 2013, ICOs have become a popular fundraising mechanism for projects, as investors like to get in on the ground floor, as it were, to benefit from the potential of the cryptocurrency taking off.  \n\nWhile some ICOs lead to technologies like Ethereum and Ripple, not all of them are trustworthy. Investors should do their research about the ICO project to make sure they’re not scams before diving in. Get started by researching the following:\n\n1.\tThe idea behind the project – What problem does it solve? Projects that can solve some big problems attract more investors towards them.\n2.\tThe website – How professional does the website look and if it includes all the important content like an FAQs section that covers the important questions about the project.\n3.\tAuthentic whitepaper – It is not wise to only depend on word of mouth. A whitepaper should contain all the essential details about the project.\n4.\tThe community – Check the community surrounding the project by following their Telegram and other social media accounts. These platforms can also help answer questions about the project.\n\nHopefully, this article provides a starting point for your research. Good luck on your future investments.\n\nCheck out www.gallactic.io for GALLACTIC's upcoming crowdsale on 1st October 2018.",
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      "body": "![](https://cdn.steemitimages.com/DQmTWm17Wh6WJmQm8443YSsYFwCabt9kNyhRBswPLwqpuxe/image.png)\n\nWe've heard it all. That blockchain will transform the way we live. That we no longer need to rely on third party institutions. That we have full control and ownership of our digital assets. Yet the most popular application of the blockchain technology is still in creating cryptocurrencies like BTC and ETH. However, blockchain is proving to be highly disruptive to several industries, as well as governments, financial institutions and the education sector with the list getting longer each day. Businesses, even large corporations, are interested in adopting the blockchain technology which promises a high level of efficiency, security and productivity.\n\nNext generation Blockchain technology the likes of GALLACTIC can transform the conventional ways the following industries operate:\n\nHealthcare\n\nThe healthcare systems in most countries still operate using out-dated methods but blockchain can shift the control into the patients' hands, placing them at the centre of the ecosystem. By modernizing old-fashioned, paper-based records such as those in underdeveloped countries like India, blockchain will increase the security and interoperability of health data. Adopting the blockchain technology can make healthcare information transparent and easily available for patients and personnel while securing it from hackers.\n\nEntertainment\n\nWhile it's common for people to pay to listen to music or watch movies, one of the ongoing issues in the entertainment industry is piracy. It is an increasing concern especially for artists and production companies who lose control of ownership and revenue. Today, the entertainment industry is exploring blockchain in an effort to create better digital rights management systems for music and videos.\n\nReal estate\n\nThe real estate industry is another industry that depends heavily on paperwork to operate. Blockchain can get rid of all the troubles of such paper-based processes and transactions that arise when two or more parties exchange fixed real estate assets. Implementing blockchain technology in real estate will increase security and transparency across the purchase and sale process.\n\nOverall, most of these industries are still functioning the way they did decades ago. Paper-based transactions and information are costly, time-consuming and environmentally irresponsible. The regulation of this technology will help revolutionise the way financial transactions are handled and bring transparency into them to prevent fraud.\n\nTo discover more, go to www.gallactic.io",
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      "title": "Blockchain As A Platform for the WAQF, Proposed Framework for Islamic Finance",
      "body": "![](https://cdn.steemitimages.com/DQmRKXyS7B9Y7JNpaWBs1BT8DtSyHpDiGasNvbVBG6HStPk/image.png)\n\nThe principles of WAQF (Endowment) were developed early with the establishment of the Muslim community. WAQF in Islam, is essentially a property that is dedicated to God in charity, perpetual in nature at times irrevocable and inalienable. In literal terms, it means, ’detention’ and legally a detention of property to produce an income that can be made available for charitable deeds for the community and humanity at large. When a waqf is created, the property is detained or tied up forever and not transferable.\n\nWAQF has become one of the largest elements of an Islamic state for the development of its welfare system and used assist and support the unfortunate in society. Historically, a well-developed system where Muslims could will their belonging for public use in perpetuating charity, the decline of governance under colonisation, has led the Waqf system into decay. Over time, it has continued to suffer from mismanagement and lack of interest from the community in its development with WAQF properties globally lacking the resources for their development.\n\nGovernments and regulators have been trying to manage a considerable amount of Waqf properties and land through legislation, Ministries, local and Islamic authorities, where the key challenge faced is the moving away from merely preserving waqf to Waqf serving the community and humanity, its original purpose. As mentioned, the other challenges facing Waqf development are the years of mismanagement, the lack of transparency and a trust deficit leading to the failure to attract interest of investors, even though globally Waqf properties are estimated at US$ 1 trillion.\n\nFinterra is addressing these issues leveraging the GALLACTIC Blockchain platform. This new technology is an incorruptible digital ledger of economic transactions that can be programmed to record not just financial transaction but virtually everything of value. Each blockchain created cannot be copied or replicated and is open to all ensuring transparency and accountability. Finterra will use GALLACTIC’s technology to build a blockchain to host waqf contacts and transactions to attract investment to waqf property development so beneficiaries globally can benefit. It aims at creating a social solution to some of society’s pressing issues such as poverty, lack of equitable resource allocation and mismanagement of charitable funds. \n\nWriter: Farhang Maghdeed",
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      "body": "![](https://cdn.steemitimages.com/DQmWvRGGt6EGwAuUSjr2cmDR7VvNtbTpRtG5wqBNgTKHgjt/image.png)\n\nCryptocurrencies brought blockchain technology into the realm of business transactions, showing that blockchain technology goes beyond mere cryptocurrency applications. Blockchain innovation can now be seen in an extensive variety of industries, due to its advantage in digitizing databases and disseminating intelligence, but the eventual fate of this technology is unfurling now.\n\nInitial coin offerings (ICO) alongside different projects are changing the way the world does transactions in real time. Indeed, and an increasing number of companies are devoting resources to research and development of own use blockchain technology projects.\n\nThe next digital jump\n\nDevelopers of the early Internet were not concerned about making transactions real time or that secure, connectivity was what they were working towards. Technical innovation around security paved the way for otherwise ground-breaking applications in digital transactions. Saying that, the Internet/digital age has not fully matured as yet, it was not long ago that videos become as simple to share as pictures. Blockchain technology speaks to the next digital jump by leveraging the worlds already established digital network.\n\nDecentralised and trustless data makes for effective transactions. This can get rid of powerful mediators that control data, putting their own agendas before people who possess the data. It also effectively utilises developers time and enables a greater range clients to jump on the blockchain bandwagon. If you thought innovation progressed rapidly with the coming of the Internet, just wait until people and business understand the full capabilities of Blockchain technology.\n\nBenefits of Blockchain\n\nAt this moment there are a considerable number of blockchain projects underway, with interoperability being an essential aspect of such projects. Innovative and smart developers are understanding the advantages of creating compatibility pathways. Blockchain technology by its nature is free, developed in an open source environment, allowing for others to build on existing projects or adapt the programming developed, for their own use, thus helping blockchain technology expand exponentially.\n\nCentralised data is bolted away and requires consent from a large administrative organization that despite being digitally centered is controlled by legislation such red tape. Free flow of data does not require the absence of ownership, as digital records and extensive distribution guarantees security.\n\nThis is the world GALLACTIC is building, one block of trust at once.",
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      "body": "![](https://cdn.steemitimages.com/DQmaT88F5kMGtiYrQjwQm4RGMG5NfrQhMU6emsWmYVhoQGH/image.png)\n\nIn general, software whose source code is made available for use free of charge, or modification and is usually developed as a public collaboration between developers is called Open Source. Blockchain, has been around since 2008 but it wasn’t until 2014 that people began to recognise that it could be utilised for much more than cryptocurrency, is the latest addition to the open source development environment and due to its ability to provide a solution for issues like security, transparency and digital trust is on at the bleeding edge of technological innovation.\n\nAnd this is the space that GALLACTIC is aiming to fill in the coming years.\n\nGALLACTIC’s team are fully committed to building an interconnected community as we believe this is the most important element in building a sustainable and transparent ecosystem, providing developers with the resources to build on the GALLACTIC blockchain driving value and building a strong technology platform.\n\nGALLACTIC has undergone rigorous research, development and testing in our efforts in building better developer tools to create a smooth open source development environment and an easy way to get start blockchain development. In addition to that, GALLACTIC has open source developer chat groups, tutorials, a dedicated block explorer, an Open Source development blockchain built and publicly permissioned to support a wide range of open source projects.\n\nGALLACTIC Features:\n\nGALLACTIC offers several easy to use tools for agile development of smart contract applications and personalised blockchain development.\n\n![](https://cdn.steemitimages.com/DQmPxp7mR92msW8hkLbR4NET5Jw9RwMnKGNJNY1jTaG8bu5/image.png)\n\nGnet: a Dapp framework\nEmissary: Javascript API for network interaction\nGallactickeys: account generation, keystores, and account management\nHubblescan: a Gallactic Blockchain Explorer\nGallactic Developer Documentation\nGallactic Developer Chat\nGallactic Public Repository\nGallactic Smart Contract IDE\nGallactic Advanced Blockchain Development Toolset\nGallactic Open Source Development Blockchain\n\nIn addition, there is a large library of supported documents for core developers and various tools to help them for the development of use case business models using the blockchain technology.\n\nFor more information, go to www.gallactic.io.",
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      "body": "![](https://cdn.steemitimages.com/DQmahrrXrzmf3iyUyoKdRphPkCvt8MQx7zyx1arRL3RNW2N/image.png)\n\nThe Meaning of HODL\n\nIn today’s world, you’re either a crypto enthusiast or you are not. As an outsider, you look at the cool kids’ and long to understand the jargon and terminology being used. Understanding it might even be your ticket into this exclusive club. For those who are not but wish to be a member of the club, you need to understand some certain terms so as not to look or sound out of place.\n\nFor example, HODL means to hold a cryptocurrency instead of selling it. The origin of the slang term comes from a post on the Bitcoin Forum message board on December 2013, where a drunk user posted a message with a typo in the subject, “I AM HODLING”. It did not take long for the word to spread like wildfire, manifesting into Internet memes and pranks. The word HODL also led to the backronym: “Hold On for Dear Life”.\n\nOther Cryptocurrency terms:\n\nOther often used terms within the cryptocurrency space include:\n\n1.\tAltcoin – an alternative cryptocurrency to Bitcoin like ETH, XRP and GTX.\n2.\tFOMO – stands for “Fear of Missing Out”.\n3.\tBagholder – someone who holds onto a cryptocurrency that drops until it is worthless.\n4.\tTo the moon – an exclamation used when cryptocurrency prices are rising to astronomical levels.\n5.\tATH – stands for “all-time high”, referring to the highest price that a cryptocurrency has achieved.\n6.\tWhale – someone who owns a lot of cryptocurrency or cryptocurrencies.\n7.\tOCD – stands for “Obsessive Cryptocurrency Disorder”, used to refer to a condition developed by those who can’t stop obsessing over the rise and fall of the value of their coins.\n8.\tFUD – stands for “Fear, Uncertainty and Doubt”, used to refer to negativity spread in the media about cryptocurrency.\n9.\tShill – someone who promotes altcoins for his or her own benefit.\n10.\tRekt – used to describe an investor when he or she makes a bad trade like selling their cryptocurrency before the price rises.\n\nThere is a lot more jargon to keep track of, especially as the conversations around cryptocurrency and blockchain continue, but the above 10 terms will help you understand some of what is being said without any FUD!!!\n\nFor more information, go to www.gallactic.io",
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      "body": "![](https://cdn.steemitimages.com/DQmb6cSrfRC8wAAmsp32XNqXYS5jBophestM9vty9SGheyw/image.png)\n\nFor the longest time, it seems like the world’s poorest have being neglected. Hit day after day with misfortune, it seems like the world – with its corruption, high inflation, high unemployment rates and lack of opportunities – is rigged against them. It is global issues like these that the GALLACTIC blockchain platform seeks to address. What follows are a few ways blockchain can be of use to those who need it most.\n\nReducing Remittance Cost\n\nIf you have ever sent money to a relative overseas, you know that intermediaries like Western Union, Uni Transfer etc. collect high transaction fees. One of the benefits to using cryptocurrencies instead of fiat (cash) money is transferring money anywhere with no hassle, at zero or low cost. Blockchain platforms allow users to send money at a lower rate than conventional money transfer services.\n\nEnhancing Financial Inclusion\n\nMore than 2 billion people worldwide are unbanked, according to the World Bank, meaning they have no way to open a bank account. Even those in developing countries that do have bank accounts are underbanked, meaning they don’t have access to certain advantages like participating in global commerce. The benefits of using cryptocurrencies can empower small businesses so they can take part in global imports and exports. Another aspect of financial inclusion that developing countries lack is access to international payments, which can help small businesses immensely.\n\nCombatting Corruption\n\nA difficulty that most developing countries seem to go through is the corruption of those in power. With data being stored on a blockchain platform, the public will be able to monitor the way state funds are being allocated, leading to a more transparent contract system. The blockchain technology will also help in the election process, making the electoral process more transparent, with lack of transparency being one of the reasons most of the developing countries have corrupt rulers. \n\nIn Conclusion\n\nAll eyes are on this advancing technology as people look to see where blockchain will take them. It will be exciting to see how far developing countries will go to apply blockchain solutions to address their problems.\n\nFor more information, go to www.gallactic.io",
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      "body": "![](https://cdn.steemitimages.com/DQmcd4jUwDnMh4n7mEkhFmHKJfoGjvvqGDP8LftiXh9HNf8/image.png)\n\nAmericans are more worried of having their information stolen by hackers than they are about being murdered, sexually assaulted or robbed, according to a Gallup poll. This fear has been rapidly spreading across the world since the start of the Internet era. More and more people are beginning to rely on their digital devices, with their personal information and assets stored online. This dependency does not bode well with the recent high-profile data breaches such as those in the Equifax and Cambridge Analytica scandals. It has become clear that centralized systems no longer protect the public moving forward.\n\nEnter blockchain technology, giving people a glimmer of hope. With the promise of removing the trust involved in storing and accessing digital content by operating on consensus, blockchains held the promise that their platforms are hackproof and for the most part blockchains are extremely secure.\n\nThen, the unexpected happened: Coincheck and Coinrail got hit by hackers. When it takes hackers a short amount of time to gain access to the systems of exchanges and to steal $731 million worth of cryptocurrencies, because in the most part they are still operating on centralised systems that are easier to gain access to. Users now asking: how secure are exchanges? The real question should be why all exchanges aren’t built on a decentralised blockchain platform, that would reduce the incidence of these attacks.\n\nIn an interview, Coincheck did not seem to know how the hacking occurred and refused to admit that its security was weak. Coinrail admitted that it did not have enough resources and experienced developers to fix and improve its security system. The excuses only enraged the public further, leaving them to wonder if nothing can be secure.\n\n\nCan Hacks Be Prevented in the Future?\n\nTo answer the question, there is no guarantee that all hacks can be avoided, but by exchanges moving towards a more decentralised model i.e. being built on blockchain platforms, where well-constructed code is vital, the occurrences can be reduced. Countries like Japan and South Korea have already started applying strict policies to establish industry standards regarding cryptocurrency exchange security, but the burning question is why only make it difficult for hackers to steal funds, when with the use of blockchain technology it is virtually impossible.\n\nWith stricter regulations, more experienced developers behind the scenes and employing stronger cryptography, with Blockchain technology allowing for decentralized exchanges with greater security and privacy, it can be made more difficult to hack a network and the number of security breaches will to drop.\n\nFor more information, go to www.gallactic.io",
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      "body": "**Coins mentioned in post:**\n\nCoin | | Price (USD) | 📈 24h | 📉 7d\n- | - | - | - | -\n**BTC** | Bitcoin | 6495.419$ | _2.78%_ | _0.07%_\n**EOS** | EOS | 4.820$ | _3.66%_ | _-15.54%_\n**ETH** | Ethereum | 300.361$ | _5.6%_ | _-17.21%_\n**MIOTA** | IOTA | 0.489$ | _8.12%_ | _-22.52%_",
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      "body": "![](https://cdn.steemitimages.com/DQmco3aY2fnfKJi9bBbPU2TY7K9G26PXYrLjiNFdNseXJeh/image.png)\nWriter: Farhang Maghdeed\n\nOver the past thirty years, central banks focused on fighting inflation globally and have been failing. Given that inflation has been identified as the major culprit in most of the global depression since the 1920’s to today, no wonder most financial institutions have made it their target trying to control and manage it. However, it was the financial crisis of 2008 that led to deeper questioning of economic processes, credit system and debt management. \n\nThe recession pointed out a gap in the public’ trust in financial institutions and Governments due to the lack of transparency and accountability in financial world. The question on everyone’s mind is: will this stop, or it will continue? Are there any solutions out there that can prevent the collapse of financial fundamentals that are built around a centralised system? Not a question with an easy or short answer, but the smart money seems to be on blockchain architecture that is using cutting edge technology to build trust and transparency. \n\nBlockchain platform are attracting the attention of financial service sector to its innovative technology that is set to change the future and it has emerged as a new paradigm in the financial industry. In 2016, the World Economic Forum (WEF) predicted that blockchain will revolutionize financial services, and build a solid platform where consumers and producers / buyers and sellers will converge. The financial sector however, is apprehensive considering the technology’s link to cryptocurrencies and evolving blockchain technology use in other sectors. \n\nIn 2017, the banking sector and remittance industry experienced industry disruptions and large-scale mergers. By the end of the year, a consensus between the banking sector and blockchain technologists were reached. In the first quarter of 2018 several banks started adopting and testing the technology in phases. Decentralised Ledger Technology (DLT) has created the “internet of value” by empowering peer to peer, transparent, immediate and almost free exchanges of value over the internet awakening the banking industry the real possibility of their demise and effectively killing the stranglehold they have on the financial markets, not a pretty thought if you are involved in the finance business.\nAccording to Statistics, from 2016 to 2021 it is estimated that blockchain technology is heating the global market aggressively, with the Blockchain industry market reacing 339.5 Million USD in size and is forecast to grow to 2.3  billion USD by 2021. Although banks and financial institutions have always been at the frontline of the technology evolution, it is very interesting to know they are preparing for a true battle. Who will win? Who will emerge triumphant and reap the spoils of war?\n\nIt’s really too early to tell yet, but for Blockchain the future is bright.\n\nFor more information, go to gallactic.io",
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      "body": "![](https://cdn.steemitimages.com/DQmfJLttJrmJRAakG3pmzQsqmVSRGMkZBY3w7k2poTvKhw9/image.png)\n\nBlockchain technology is continuing to evolve rapidly, supported by the various use cases that are been built on multiple blockchain platforms. In the wake of these rapid developments, the fast-spreading blockchain technology has attracted different use cases in ICO development, some successful, others not so. Initially, a byproduct of blockchain, Bitcoin was developed to meet the need for transparency and accountability. However, in the process, newer needs and uses have effectively enhanced the blockchain architecture technology to where it is today, enabling many more products and services to be built then was ever thought imaginable.\n\nThe newest iteration of blockchain architecture, GALLACTIC has been developed to attract various groups of tech enthusiasts, stakeholders and has opened new opportunities for potential business models of various kinds. As a new independent blockchain, GALLACTIC is a platform for the use of network tokens for smart contracts, consensus and ledger hosting on its ecosystem, with the GALLACTIC architecture consisting of the GALLACTIC Mainnet and the GALLACTIC open-source development platform. \n\n The GALLACTIC platform is a constructed smart chain infrastructure that passes contract input state between chains within the ecosystem along with ensuring the safety of cross-chain smart contract processing.  This ecosystem which is based on smart chain contract supplies a batch of contracts that are the underlying templates to fetch value between chains and registering them and adding new chain within the ecosystem and has the ability to interact with different third party networks, such as, Ethereum, EOS, IOTA, and so on.\n\n![](https://cdn.steemitimages.com/DQmRw3nTCvYWfw3RuzebpJARTCRmjVzWUkjsR4Arfbio78V/image.png)\n \nGALLACTIC is an Open Source Development Blockchain built and publicly permissioned to support a wide range of open source projects. Open Source is the dynamic force that makes blockchains strong and secure. GALLACTIC strongly believe that to build a community around open source is the primary factor in maintaining a sustainable and transparent ecosystem. In addition to tooling and detailed documentation, GALLACTIC has open source developer chat groups, tutorials, a dedicated block explorer, coupled with a robust testnet and mainnet. \n\nGALLACTIC has built a platform that is both public and private, something of a rarity in the Blockchain industry that allows for the development of numerous use case models that address real world.\n\nFor more information on GALLACTIC please visit us at www.gallactic.io",
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      "title": "Central Banks Exploring the Issuing of Digital Currencies",
      "body": "![](https://cdn.steemitimages.com/DQmaxdLZquwRkp2AEthsheNRdDLJW8dnwbXTcQMpsMBFXdN/image.png) \n\nIn June 2016, central bankers from 90 countries along with IMF, the World Bank and Bank of International settlers met behind closed doors in Washington to discuss how the use of disruptive technology, the likes of digital currencies (cryptocurrencies), will transform the financial industry. Fintech / Blockchain technology is expected to disrupt the banking sector in all areas of operation such IT services, digitisation of processes and products being affected, with even talk of Central Banks considering issuing digital currency themselves. In fact, scientists at Yale have proposed the idea of a FedCoin for taxes and distribution of social security. FedCoin would give the government of the day the God-like ability to track wealth. The justification being to prevent criminal activities such as drug dealing and money laundering.\n\nToday, the transformation of the financial system is, according to various financial industrial studies, upon us with Blockchain technology expected to overwhelm the existing banking system.  The future of digital currency is in the ascendancy, as shown by studies conducted by central banks, many financial institutions exploring its use, could FedCoin become a reality.\n\nCurrently, studies show there is a greater acceptance by consumers to use digital currency (cryptocurrency) and with more brands accepting digital currencies and more consumers opening eWallets the day is not far off when hard cash will no longer be necessary. Bad for the banks, you might think. Clearly not, as the Bank of England (BoE) concluded that a BoE cryptocurrency could boost GDP by 3%. \n\nAt present, FedCoin looks far off due to the massive disruption it will cause, because cryptocurrencies could, according to JP Morgan Analysts, “Endanger the economically and socially important financial intermediation function of commercial banks”. The future of cryptocurrency depends entirely on how individual governments perceive them to be, a blessing or a curse as it were. \n\nSen. Mark Warner, D-Va., who earned his wealth as an early investor in the smartphone industry, stated that he “sees a parallel between mobile phones and cryptocurrencies now”, he said “the same kind of transformation is about to take place,”. With that statement in mind, it would be wise for Central Banks and Financial Institutions to pay heed to the transformational changes that Blockchain technologies and the cryptocurrencies will have on their industries and their margins. \n\nAs they say a new broom sweeps clean . . . \n\nFor more information, go to gallactic.io",
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      "body": "To the question in your title, my Magic 8-Ball says:<blockquote>You may rely on it</blockquote><hr>*Hi! I'm a bot, and this answer was posted automatically. Check [this post out](https://steemit.com/introduceyourself/@magic8ball/introducing-the-magic-8-ball-bot) for more information.*",
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      "title": "Have You Missed the Crypto Boat?",
      "body": "Don’t Miss Out –\nThe GALLACTIC Blockchain Is About To Launch\n \n![](https://cdn.steemitimages.com/DQmS7VdwnoGLPgPjLCPXvySBK3a4nqKfhgrL1TaPFpTzeVK/image.png)\n\nAt this point in time, you might have heard all about cryptocurrencies and blockchain applications. You have heard about how blockchain will be a game-changer for most industries. You may even be one of the following: (a) an early cryptocurrency adopter and enthusiast or (b) a person wondering if it is too late to invest and you are living in constant FOMO (fear of missing out).\n\nWe all dream of winning the lottery and becoming rich without putting in any effort, money or time. We have all fantasized about how more money can make life easier for us and solve all our worldly problems. So now, how do you catch up to those who invested early?\n\nThere’s still hope. Given the estimate that there are approx. 10 million people using Bitcoin right now is correct (see https://coinjournal.net/report-estimates-10-million-bitcoin-holders-worldwide/). That’s still not even 1% of the world population, it’s barely even 0.1%! That leaves a lot of room on the crypto boat. A question we need to tackle is why aren’t more people taking action? Most people can’t see the future and they tend to live in the here and now and because the possibility of losing money in a bad investment is a risk they are not willing to take.\n\nMoreover, as the market is in flux now, $6,000 or $9,000 or $30,000 doesn’t begin to reflect the value of Bitcoin, for example. No matter how much you have to spare for investing in cryptocurrencies, whether you have $300 or $5000, the same rules apply. We can hypothesize where Bitcoin and the like will be in the next 2-3 years or so. But can we honestly know what the situation will be like 20 or 30 years in the future? \n\nYou need to be patient, you need to ask the question “why do I want to invest in this?” Like all investments, you need a short, medium or long term strategy. Am I here to make a quick return or do I have a real interest in the technology market? You really need to answer those questions especially when entering the crypto/blockchain space, because if it is because of the often bandied term “FOMO” (fear of missing out), a short to medium term investment strategy might not be the best option.\n\nFor more information on GALLACTIC and how it is reimagining the future of blockchain join us on our official telegram group http://t.me/gallactic.",
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      "body": "@@ -2148,8 +2148,69 @@\n to come.\n+%0A%0AFor more information, go to www.gallactic.io and subscribe.\n",
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      "body": "Hi! I am a robot. I just upvoted you! I found similar content that readers might be interested in:\nhttps://www.finterra.org/2018/05/12/5-ways-blockchain-technology-can-drive-a-better-malaysia/",
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      "author": "saramohammed",
      "permlink": "5-ways-gallactic-blockchain-technology-can-drive-a-better-malaysia",
      "title": "5 Ways GALLACTIC Blockchain Technology Can Drive A Better Malaysia",
      "body": "![](https://cdn.steemitimages.com/DQmPrUBQHmrXgrVgF2h4Moa9JZakrHuH3GYdme7i31ubD4F/ishan-seefromthesky-118580-unsplash.jpg)\n\nAs Malaysians become accustomed to its newly elected government, they look forward to new initiatives to improve the country’s economic and regulatory landscape. With the concerns of mis-management and manipulation, technology enthusiasts believe adopting blockchain technology will address these concerns and drive Malaysia to be a greater, just and prosperous nation.\n\nIn a nutshell, blockchain technology is a form of decentralized records management with a consensus system, which provides reliable, transparent, trustworthy, traceable and tamper proof data management. These capabilities can facilitate and drive initiatives to better track and manage various sectors:\n\nBetter Fund Management\n\nWith blockchain technology being transparent and tamper proof, funds and assets can be represented digitally, allowing them to be better managed on the blockchain and can be traced to its source.\n\nCurb Corruption\n\nBlockchain technology work with a fair and transparent consensus system, this ensures transactions are done fairly and with consent.\n\nEfficient Tax Management\n\nBy having better fund management and curbing corruption, tax management becomes easier; there will be no errors due to human calculation and individuals on the blockchain cannot evade or under declare taxes.\n\nIdentity Management\n\nIdentities can be represented in digital form and include various other information such as medical history, licenses, credentials and many more in a secured and private manner. With the information available, governments, authorities and businesses can simplify processes, engage better with its citizens and ensure regulatory compliance.\n\nGoods and Services Tracking\n\nGoods and services represented digitally can greatly reduce cost by automating processes for a more efficient workflow, allowing better tracking, intervention or execution in between the supply chain as deemed necessary.\nBlockchain technology has immense potential to improvise many industries and landscapes for the betterment of a nation. With the adoption of GALACTIC’s innovative blockchain technology, Malaysians can look forward to a transparent, secure, just and prosperous Malaysia.",
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      "title": "Using GALLACTIC Blockchain For Identity Management: Solving the current state of identification management",
      "body": "![](https://cdn.steemitimages.com/DQmbjXgYgQuvbof4hfMGeJfXwBxTKH46HAMAGbumhSG7GE7/image.png)\n\nIn mid-2017, an Equifax data breach exposed 145.5 million users’ data. The breach was caused by a software flaw which allowed the hackers to take over the company’s website.\n\nCurrently, people receive many different forms of identification certificates, including social security and medical ID cards; however, their personal data is stored in many places, including their bank, their insurance company, and on any subscription software they use, such as their Netflix account. Any of these intermediaries could be hacked, exploiting their users’ personal information.\n\nTo combat money laundering and other illegal financial activities, financial services firms must comply with “know your customer” (KYC) processes, with third party company’s hired to collect and verify identity information to screen new customers and assess risk. The process is slow and expensive—estimates of KYC costs are upwards of $15-$20 per new customer enrolled.\n\nFor better identity management, let’s explore some of the solutions that the GALLACTIC blockchain’s features, for instance, could bring;\n\nBetter control over personal data\n\nIn blockchain, users know what data is collected about them and how they are processed. Due to blockchain’s open nature, any modification of the protocol requires the consensus of the nodes, meaning optimum transparency and security for all users.\n\nImproved privacy\n\nWith the transparency of the ledger, the combination of secure end-to-end encryption of communication also helps reduce the privacy concerns arising from the public nature of the ledger.\n\nEngage in relationships with more trust\n\nBlockchain removes the middleman and allows citizens to manage their own identity, allowing them to be better managed and traced to its source.\n\nIdentity management provides a promising opportunity to moderate identity theft and fraud and reduces overall costs and time. While cybersecurity concerns are a real concern still, improved technology will build trust in this new way for people around the world to manage their identity.",
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