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      "body": "Congratulations @smithappens! You received a personal award!\n\n<table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@smithappens/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/@smithappens) and compare to others on the [Steem Ranking](https://steemitboard.com/ranking/index.php?name=smithappens)_</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": "Completely agree. A lot of the misconceptions about crypto stem from lack of exposure to it, once the mechanisms are available for anyone to try out the new technology, the fear of it will vanish and people will be saying \"why didn't I do this before..?\"\nWell, because Monaco didn't exist to enable it, that's why! :D",
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      "body": "Fantastic post and covers very well why I am all in on Monaco. They have a fantastic team and are taking the time to build a game changing product in crypto. They don't compare themselves at all to TenX or Centra, rather the banks of today. That is who they consider their competition. \n\nThey aim to put cryptocurrency in every wallet and bridge the current technology gap that currently exists in crypto for the mass market. They will make it easy to buy/sell and spend crypto on a great looking card with fantastic benefits. \n\nI can't wait for this revolution and Monaco have been under the radar far too long.",
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      "body": "Very nice overview, thanks for the dedication on explaining",
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      "title": "",
      "body": "Have you checked out Monaco? I've just done a post outlining the advantages:\n\nhttps://steemit.com/mco/@smithappens/monaco-card-an-exciting-future",
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      "body": "Hi guys, Check out my post as to why I believe you should consider Monaco as a legitimate contender and also a great investment:\n\nhttps://steemit.com/mco/@smithappens/monaco-card-an-exciting-future",
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      "body": "Sorry, but I have to disagree for a whole host of reasons. Please check out my article on the subject, I would really like to change your opinion of Monaco as a legitimate contender:\n\nhttps://steemit.com/mco/@smithappens/monaco-card-an-exciting-future",
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      "parent_permlink": "mco",
      "author": "smithappens",
      "permlink": "monaco-card-an-exciting-future",
      "title": "Monaco Card - An Exciting Future...",
      "body": "Lets be clear, there are currently hugely innovative blockchain projects out there in the cryptospace, many of which will redefine our future in ways that we can not even imagine yet. We're on the brink of a new beginning, one that has people very excited. However, whilst we set on our path to get there, it is my opinion that the crypto debit card space will bridge the gap, bringing real and present use cases for cryptocurrency. Furthermore, these cards can become the vehicle for mainstream adoption, easing people into the cryptocurrency world with easy to use applications and teasing them with the financial gains that cryptocurrency can bring. If executed correctly, the banking sector could face some serious competition in the coming years from the Likes of Monaco, TenX and Token (to name but a few):\n\n![](https://steemitimages.com/DQmNVwr3oHQCyfYQYXrkeEziBdWSY4U5JPvjzmCYW9quC8m/image.png)\n\n\n![](https://steemitimages.com/DQmRWCQ4Kh9uv8FWQBcWwGYBWnMJrPpWMnkcG2hwk4ERxt3/image.png)\n\n\nHowever, this new world isn't yet regulated, its the wild west out there. Dumb money has flooded the market and often legitimate company's can fall foul to FUD (Fear, Uncertainty and Doubt) with young and impatient investors moving money from one company to the next: chasing the rumours and selling the news.\n\nIn my opinion, Monaco is one such legitimate company that has had FUD surrounding its name since its inception. Through this article I hope to make a case for Monaco, and clear the air on some of the rumours that often get questioned by newcomers into the Monaco community. \n\nPoint 1 - Third Party Issue\n\n- First of all, many cite that TenX has a working product and already have an agreement with Visa. The truth is that TenX took the shortcut to Market. They issued cards through a third party, Wavecrest, who are also their Visa program sponsor. The biggest issue here is that third party issuers such as Wavecrest have now been found liable for cross-boarder issuing I.e. they have a deal with Visa Europe, but they are shipping cards to Hong Kong, Singapore and Australia, which impacts revenue of Visa Asiapac. It works the same between other regions. They have different teams and separate P&Ls. This is why they are now forced into sending around e-mails for account closures whilst they find a new issuing body in each region. This is why the price of TenX has dropped.\n\n- Monaco on the other hand are aiming to become a Visa Program Manager and we  are assured by the CEO that this will happen this month (September). They are so confident that they even have the date in their card pre-order mobile application. Don't take my word for it though, see the below message from the CEO in the Slack channel:\n\n![](https://steemitimages.com/DQmVu5DTURozjy9UyprgKsx5oK2KuVfV7dJEJhzpTACrtAe/image.png)\n\n- So whats the difference? Visa Program Manager means they would have been approved by Visa, they will be responsible for marketing, distribution, customer care, KYC/AML and the whole P&L of the program. In simple terms this makes them more competitive, able to offer much better rates and a generally more rounded product. That brings me onto point two - the product itself:\n\nPOINT 2 - The Product\n\n- Monaco, quite simply put is the more competitive product if it comes to market as currently described. They aiming to build a product to take on the banks, not other cryptocurrency start-ups. \n\n- They offer 0.75% cashback in the form of MCO on ALL purchases for any platinum card holder. This is higher than the 0.5% that TenX currently offer. \n\n- They are currently supporting 7 Fiat currencies and exchanges/spends have perfect interbank exchange rates. Say goodbye to fees for foreign spending and no more extortionate foreign rates.\n\n- They pay 1% of all cryptocurrency transactions to the asset contract to back the MCO token, that is double the 0.5% TenX offers. \n\n- The cards are quite simply stunning and the platinum cards are made of Metal. They have aimed for a premium high end product and in the words of the CEO they want to be the Apple/Tesla of crypro. \n\n![](https://steemitimages.com/DQmNuz3qWmud7TNL9qF5vKJzk1BpBSkfc71Hm7HNMgtHMjL/image.png)\n\n- Finally, there are NO user fees. Unlike TenX the cards are free to ship and they have no user fee's what-so-ever. The platinum cards are also free, although they require the 'locking-up' of MCO tokens for 6 months in an asset contract. More on this below...\n\nPOINT 3 -  As an investment\n\n- I have already touched upon the fact that Monaco's Asset contract contribution is double that of TenX's (1% vs 0.5%). However, more than that, there are 1/6 less MCO tokens than PAY tokens! (MCO= 31,587,682 tokens PAY=205,218,255 Tokens) That means that PAY's asset contract would have to be over 6 times the size of Monaco's just to give the same reward upon token burning.\n\n- However, there is something even more exciting as an MCO Token holder and that is the platinum card lock-up. In order to get the more premium Platinum cards users have to lock-up MCO for a period of 6 months. The amount of MCO to be locked up differs depending on the platinum card selected:\n\n![](https://steemitimages.com/DQmVgVBQh9fQum8Vc1DPTKmKSKipM516qFAQpbktULqFtAE/image.png)\n\n![](https://steemitimages.com/DQmTAdrCDgVNEAyj1AgtMCJivz4PTqttwD8eZ2fbS8VVSS7/image.png)\n\n![](https://steemitimages.com/DQmbzyPLzSDQTr6K5CgsidUhJT7CMjbg3Lfr4FjMDTf4nZb/image.png)\n\n- The reason this is exciting as an investor? Well, as discussed above, there are already MUCH fewer Monaco tokens than PAY. If we look at the circulating supply there is currently only 9million MCO in circulation now. Now, there have been 12,000 Monaco card pre-orders, and although we don't know the amount of each card respective platinum card that people have selected, we can expect that a significant portion of these will be either the Ruby Steel or the Precious Metal cards. That is going to lock up a significant amount of MCO in the near term and ongoing as card orders continue! This will even further reduce the supply of MCO on the market whilst at the same time the demand will be significantly increasing following the visa program approval, card shipment and further Dev updates! \n\n![](https://steemitimages.com/DQmRRFxfd5Y6J4X27SASUwiGY4nUvHtyZZJKmFvVfBYpGSw/image.png)\n\n- Another point to make is that Monaco will be paying out the 0.75% Cryptocurrency cashback for all purchases on platinum cards in MCO. Where is this MCO to come from... The exchanges - ie buying them off existing holders!\n\n- Finally, there is the simple fact that Monaco is HUGELY undervalued. It is currently less than a third of the Market Cap of TenX and 7x lower than the ATH TenX Market Cap. If we believe that Visa Program Approval hits in the next two weeks sometime, I estimate the price being being 4x-5x the price now. I simply can not underestimate the value of having a crypto currency that is spendable worldwide in 40+ million establishments.\n\nPOINT 4 - Compliance\n\n- This is at the core of the Monaco team. They have an ex-Mastercard CFO and an Ex-Visa advisory member on the board. They constantly talk about the requirement of being compliant in their slack channel. It is for this very reason that TenX got caught up in the recent China ICO crackdown, whereas Monaco didn't as they had thought it prudent not to open the ICO to Chinese Investors. \n\n- This is also why Monaco's global rollout will be in stages, Asia (This month), Europe (October) and then North America (2018) as they need to be compliant in each region before starting the shipping process.\n\n- The teams dedication to being compliant is the number one reason that I believe the team when they are committed to delivering on their promises of becoming an approved program manager this Month.\n\nPOINT 5 - The FUD\n\n- Finally, I want to clear the air on some of the FUD surrounding the CEO of Monaco in relation to his time at Ensogo. I believe this issue has been addressed several times in both youtube videos and in within the Monaco slack channel, but it still comes up with new-comers into the Monaco Slack community so I thought I would put the response to the claims here in-case of the usual ludicrous scam accusations:\n\nYoutube Video:\n\nhttps://www.youtube.com/watch?v=SCL2gVoBdEw\n\n- The next issue of FUD is the 'Pump and Dump' and 'the leak'. Prior to the Monaco Card app release for card pre-orders there was a lot of hype surrounding the project. The hype was created around the idea that Monaco was going to announce its Visa Program Manager Approval along with the app. Much of what was quoted to point towards this was actually a conversation between members of the Monaco community and Kris. One of the members had asked whether the app would still go ahead as planned on the 31st of August without Visa Program Manager Approval. Kris replied that 'Monaco didn't see much point to releasing the app prior to the program manager approval'. However, the community reminded Kris that this was in their roadmap and that it would look bad if they didn't release on Schedule. Unfortunately, just prior to the launch, a blog managed to get hold of an unreleased version of the new Monaco Website that contained images of the cards with Visa Logo's. Kris IMMEDIATELY refuted the leak and publicly stated that the program manager approval was not yet accepted. In the end Monaco did end-up releasing the app, but as soon as people didn't see the visa logo, they dumped the coin. It should be noted here that many people believe the leak was sent on purpose. However, it was obviously of NO benefit to Monaco what-so-ever so this theory does not hold true in my eyes.  \n\nUnfortunately, it is this last point that people tend to get stuck on and its all that draws their focus. Take the FUD away and you are left with a seriously undervalued Token that is just waiting to grow exponentially in value for all of the reasons outlined above. Yet of-course, I am not blind to the fact that all of the above hinges on one pivotal piece of news, VISA Program Manager Approval. \n\nThe team remain committed to the September deadline so the question is whether or not you believe them? \n\nThanks for taking the time to read. If you have any questions or indeed responses to the above then please feel free to comment. Also consider joining the Monaco slack where the community can answer your questions! If you do go in there, drop me a message @smithappens.",
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      "title": "Monaco Card - An Exciting Future...",
      "body": "Lets be clear, there are currently hugely innovative blockchain projects out there in the cryptospace, many of which will redefine our future in ways that we can not even imagine yet. We're on the brink of a new beginning, one that has people very excited. However, whilst we set on our path to get there, it is my opinion that the crypto debit card space will bridge the gap, bringing real and present use cases for cryptocurrency. Furthermore, these cards can become the vehicle for mainstream adoption, easing people into the cryptocurrency world with easy to use applications and teasing them with the financial gains that cryptocurrency can bring. If executed correctly, the banking sector could face some serious competition in the coming years from the Likes of Monaco, TenX and Token (to name but a few):\n\n![](https://steemitimages.com/DQmNVwr3oHQCyfYQYXrkeEziBdWSY4U5JPvjzmCYW9quC8m/image.png)\n\n\n![](https://steemitimages.com/DQmRWCQ4Kh9uv8FWQBcWwGYBWnMJrPpWMnkcG2hwk4ERxt3/image.png)\n\n\nHowever, this new world isn't yet regulated, its the wild west out there. Dumb money has flooded the market and often legitimate company's can fall foul to FUD (Fear, Uncertainty and Doubt) with young and impatient investors moving money from one company to the next: chasing the rumours and selling the news.\n\nIn my opinion, Monaco is one such legitimate company that has had FUD surrounding its name since its inception. Through this article I hope to make a case for Monaco, and clear the air on some of the rumours that often get questioned by newcomers into the Monaco community. \n\nPoint 1 - Third Party Issue\n\n- First of all, many cite that TenX has a working product and already have an agreement with Visa. The truth is that TenX took the shortcut to Market. They issued cards through a third party, Wavecrest, who are also their Visa program sponsor. The biggest issue here is that third party issuers such as Wavecrest have now been found liable for cross-boarder issuing I.e. they have a deal with Visa Europe, but they are shipping cards to Hong Kong, Singapore and Australia, which impacts revenue of Visa Asiapac. It works the same between other regions. They have different teams and separate P&Ls. This is why they are now forced into sending around e-mails for account closures whilst they find a new issuing body in each region. This is why the price of TenX has dropped.\n\n- Monaco on the other hand are aiming to become a Visa Program Manager and we  are assured by the CEO that this will happen this month (September). They are so confident that they even have the date in their card pre-order mobile application. Don't take my word for it though, see the below message from the CEO in the Slack channel:\n\n![](https://steemitimages.com/DQmVu5DTURozjy9UyprgKsx5oK2KuVfV7dJEJhzpTACrtAe/image.png)\n\n- So whats the difference? Visa Program Manager means they would have been approved by Visa, they will be responsible for marketing, distribution, customer care, KYC/AML and the whole P&L of the program. In simple terms this makes them more competitive, able to offer much better rates and a generally more rounded product. That brings me onto point two - the product itself:\n\nPOINT 2 - The Product\n\n- Monaco, quite simply put is the more competitive product if it comes to market as currently described. They aiming to build a product to take on the banks, not other cryptocurrency start-ups. \n\n- They offer 0.75% cashback in the form of MCO on ALL purchases for any platinum card holder. This is higher than the 0.5% that TenX currently offer. \n\n- They are currently supporting 7 Fiat currencies and exchanges/spends have perfect interbank exchange rates. Say goodbye to fees for foreign spending and no more extortionate foreign rates.\n\n- They pay 1% of all cryptocurrency transactions to the asset contract to back the MCO token, that is double the 0.5% TenX offers. \n\n- The cards are quite simply stunning and the platinum cards are made of Metal. They have aimed for a premium high end product and in the words of the CEO they want to be the Apple/Tesla of crypro. \n\n![](https://steemitimages.com/DQmNuz3qWmud7TNL9qF5vKJzk1BpBSkfc71Hm7HNMgtHMjL/image.png)\n\n- Finally, there are NO user fees. Unlike TenX the cards are free to ship and they have no user fee's what-so-ever. The platinum cards are also free, although they require the 'locking-up' of MCO tokens for 6 months in an asset contract. More on this below...\n\nPOINT 3 -  As an investment\n\n- I have already touched upon the fact that Monaco's Asset contract contribution is double that of TenX's (1% vs 0.5%). However, more than that, there are 1/6 less MCO tokens than PAY tokens! (MCO= 31,587,682 tokens PAY=205,218,255 Tokens) That means that PAY's asset contract would have to be over 6 times the size of Monaco's just to give the same reward upon token burning.\n\n- However, there is something even more exciting as an MCO Token holder and that is the platinum card lock-up. In order to get the more premium Platinum cards users have to lock-up MCO for a period of 6 months. The amount of MCO to be locked up differs depending on the platinum card selected:\n\n![](https://steemitimages.com/DQmVgVBQh9fQum8Vc1DPTKmKSKipM516qFAQpbktULqFtAE/image.png)\n\n![](https://steemitimages.com/DQmTAdrCDgVNEAyj1AgtMCJivz4PTqttwD8eZ2fbS8VVSS7/image.png)\n\n![](https://steemitimages.com/DQmbzyPLzSDQTr6K5CgsidUhJT7CMjbg3Lfr4FjMDTf4nZb/image.png)\n\n- The reason this is exciting as an investor? Well, as discussed above, there are already MUCH fewer Monaco tokens than PAY. If we look at the circulating supply there is currently only 9million MCO in circulation now. Now, there have been 12,000 Monaco card pre-orders, and although we don't know the amount of each card respective platinum card that people have selected, we can expect that a significant portion of these will be either the Ruby Steel or the Precious Metal cards. That is going to lock up a significant amount of MCO in the near term and ongoing as card orders continue! This will even further reduce the supply of MCO on the market whilst at the same time the demand will be significantly increasing following the visa program approval, card shipment and further Dev updates! \n\n![](https://steemitimages.com/DQmRRFxfd5Y6J4X27SASUwiGY4nUvHtyZZJKmFvVfBYpGSw/image.png)\n\n- Another point to make is that Monaco will be paying out the 0.75% Cryptocurrency cashback for all purchases on platinum cards in MCO. Where is this MCO to come from... The exchanges - ie buying them off existing holders!\n\n- Finally, there is the simple fact that Monaco is HUGELY undervalued. It is currently less than a third of the Market Cap of TenX and 7x lower than the ATH TenX Market Cap. If we believe that Visa Program Approval hits in the next two weeks sometime, I estimate the price being being 4x-5x the price now. I simply can not underestimate the value of having a crypto currency that is spendable worldwide in 40+ million establishments.\n\nPOINT 4 - Compliance\n\n- This is at the core of the Monaco team. They have an ex-Mastercard CFO and an Ex-Visa advisory member on the board. They constantly talk about the requirement of being compliant in their slack channel. It is for this very reason that TenX got caught up in the recent China ICO crackdown, whereas Monaco didn't as they had thought it prudent not to open the ICO to Chinese Investors. \n\n- This is also why Monaco's global rollout will be in stages, Asia (This month), Europe (October) and then North America (2018) as they need to be compliant in each region before starting the shipping process.\n\n- The teams dedication to being compliant is the number one reason that I believe the team when they are committed to delivering on their promises of becoming an approved program manager this Month.\n\nPOINT 5 - The FUD\n\n- Finally, I want to clear the air on some of the FUD surrounding the CEO of Monaco in relation to his time at Ensogo. I believe this issue has been addressed several times in both youtube videos and in within the Monaco slack channel, but it still comes up with new-comers into the Monaco Slack community so I thought I would put the response to the claims here in-case of the usual ludicrous scam accusations:\n\nYoutube Video:\n\nhttps://www.youtube.com/watch?v=SCL2gVoBdEw\n\n- The next issue of FUD is the 'Pump and Dump' and 'the leak'. Prior to the Monaco Card app release for card pre-orders there was a lot of hype surrounding the project. The hype was created around the idea that Monaco was going to announce its Visa Program Manager Approval along with the app. Much of what was quoted to point towards this was actually a conversation between members of the Monaco community and Kris. One of the members had asked whether the app would still go ahead as planned on the 31st of August without Visa Program Manager Approval. Kris replied that 'Monaco didn't see much point to releasing the app prior to the program manager approval'. However, the community reminded Kris that this was in their roadmap and that it would look bad if they didn't release on Schedule. Unfortunately, just prior to the launch, a blog managed to get hold of an unreleased version of the new Monaco Website that contained images of the cards with Visa Logo's. Kris IMMEDIATELY refuted the leak and publicly stated that the program manager approval was not yet accepted. In the end Monaco did end-up releasing the app, but as soon as people didn't see the visa logo, they dumped the coin. It should be noted here that many people believe the leak was sent on purpose. However, it was obviously of NO benefit to Monaco what-so-ever so this theory does not hold true in my eyes.  \n\nUnfortunately, it is this last point that people tend to get stuck on and its all that draws their focus. Take the FUD away and you are left with a seriously undervalued Token that is just waiting to grow exponentially in value for all of the reasons outlined above. Yet of-course, I am not blind to the fact that all of the above hinges on one pivotal piece of news, VISA Program Manager Approval. \n\nThe team remain committed to the September deadline so the question is whether or not you believe them? \n\nThanks for taking the time to read. If you have any questions or indeed responses to the above then please feel free to comment. Also consider joining the Monaco slack where the community can answer your questions! If you do go in there, drop me a message @smithappens.",
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      "author": "smithappens",
      "permlink": "re-kabdaddy-don-t-get-caught-up-in-the-mco-hype-reasons-why-pay-is-the-superior-product-and-company-20170917t030449631z",
      "title": "",
      "body": "Hi, I've just read through your article and although I want both coins to do well and prosper in this space (afterall, I truly believe these products will bring exponential growth to the sector overall), I am tired of hearing things from a TenX perspective that lack any substance for facts. Believe me when I say that I want everyone to do well in this space, but to say TenX is a superior product is outrageous. Let me argue my point with facts:\n\nPoint 1 - Third Party Issue\n- First of all you mention a working product. TenX took the shortcut to Market. They issued cards through a third party, Wavecrest, who are also their Visa program sponsor. The biggest issue here is that third party issuers such as Wavecrest have now been found liable for cross-boarder issuing  I.e. they have a deal with Visa Europe, but they are shipping cards to Hong Kong, Singapore and Australia, which impacts revenue of Visa Asiapac. It works the same between other regions. They have different teams and separate P&Ls. This is why they are now forced into sending around e-mails for account closures whilst they find a new issuing body in each region. This is why the price has dropped.\n- Monaco on the other hand are aiming to become a Visa Program Manager and we assured by the CEO that this will happen this month (September). So if anything, you should be advising to invest in Monaco on this news alone. They are so confident that they even have the date in their card pre-order application. So whats the difference? Visa Program Manager means they have been approved by Visa, they will be responsible  for marketing, distribution, customer care, KYC/AML and the whole P&L of the program. In simple terms this makes them more competitive, able to offer much better rates and a generally more rounded product. That brings me onto point two - the product itself:\n\nPOINT 2 - The Product\n- Monaco put simply is the more competitive product. They aim to take on banks, not other cryptocurrency start-ups. They offer 0.75% cashback in the form of MCO on ALL purchases. They have perfect interbank exchange rates and they pay 1% of all cryptocurrency transactions to the asset contract, that is double the 0.5% TenX offers. Not only that, there are far fewer token in the asset pool. The cards are quite simply stunning and the platinum cards are made of Metal! Once these cards hit the market they are seriously going to be considered a premium high end product- in the words of the CEO they want to be the Apple/Tesla of crypro. Finally, there are NO user fees. the cards are free to ship and they have no user fee's. They can offer this as they will become a visa approved program manager.\n\nPOINT 3 - As an investment\n- I have  already touched upon the fact that the Asset contract contribution is double that of TenX's and yet there are 1/3 less tokens! This equates to a MUCH quicker and Higher asset contract growth.\n- However, there is something far more exciting as a Token holder that was simply brilliant from the Monaco team. In order to get the more premium Platinum cards users have to lock-up MCO for a period of 6 months. The amount of MCO to be locked up differs depending on the platinum card selected. The first is 50MCO, the next level is 500MCO and the black card is a whopping 50,000 MCO. Anyway, this will further reduce the supply of MCO on the market whilst at the same time the demand will be significantly increasing as more users begin to get their cards. Reduced supply and increased demand = exponential growth.\n- Finally, there is the simple fact that Monaco is HUGELY undervalued. It is currently less than a third of the Market Cap of TenX and once visa approval hits in the next two weeks sometime, I can see it being being 4x-5x the price now.\n\nPOINT 4 - Compliance\n- This is at the core of the Monaco team. They have an ex-MasterCard CFO and an Ex-Visa advisor on the board. They constantly talk about the requirement of being compliant. That is why TenX got caught up in the recent China ICO crackdown, whereas Monaco didn't as they had thought it prudent not to open the ICO to Chinese Investors. This is also why their global rollout will be in stages, Asia (This month), Europe (October) and then North America (2018) as they need to be compliant in each region.\n\nThanks for taking the time to read. If you have any questions or indeed responses to the above as to why you think PAY is better, then please just reply. It would also be great to see you in the Monaco slack where the community can answer your questions! If you do go in there, drop me a message @smithappens.",
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      "body": "Congratulations @smithappens! You have completed some achievement on Steemit and have been rewarded with new badge(s) :\n\n[![](https://steemitimages.com/70x80/http://steemitboard.com/notifications/firstpost.png)](http://steemitboard.com/@smithappens) You published your First Post\n[![](https://steemitimages.com/70x80/http://steemitboard.com/notifications/firstvoted.png)](http://steemitboard.com/@smithappens) You got a First Vote\n[![](https://steemitimages.com/70x80/http://steemitboard.com/notifications/firstvote.png)](http://steemitboard.com/@smithappens) You made your First Vote\n\nClick on any badge to view your own Board of Honor on SteemitBoard.\nFor more information about SteemitBoard, click [here](https://steemit.com/@steemitboard)\n\nIf you no longer want to receive notifications, reply to this comment with the word `STOP`\n\n> By upvoting this notification, you can help all Steemit users. Learn how [here](https://steemit.com/steemitboard/@steemitboard/http-i-cubeupload-com-7ciqeo-png)!",
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      "parent_permlink": "re-smithappens-my-stumbled-upon-adventure-into-the-world-of-crypto-20170822t201820755z",
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      "title": "",
      "body": "Hi mate. I hope its as prosperous for you as it has been for me so far. Buying into BTC totally depends on where you are in the world. Eg, most of the US users use coinbase. I'm from the UK and use the Lykke app (highly recommended). Just remember to look around at the spreads (how much you are buying for vs how much you are selling for). Coinbase and Lykke both have very good rates I find. Coincorner and quickbitcoin were what I was initially using and these spreads were MUCH higher (£100+).\n\nAgain, this is something Monaco aim to address making it easy for newcomers to the crypto world.\n\nFinally, if you're new then I highly recommend getting Slack and joining a few slack channels of coins you're interested in. I have found it invaluable for advice. I'm very bullish on MCO too as you can tell by the article, I still think it has strong gains ahead.",
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      "author": "hotsauceislethal",
      "permlink": "re-smithappens-my-stumbled-upon-adventure-into-the-world-of-crypto-20170822t204149294z",
      "title": "",
      "body": "@@ -74,22 +74,20 @@\n on your \n-health\n+body\n . Make s\n",
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      "permlink": "re-smithappens-my-stumbled-upon-adventure-into-the-world-of-crypto-20170822t204149294z",
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      "body": "I love it :) Crypto is so exciting sometimes but it can also take a toll on your health. Make sure you spend a healthy amount of time away from the computer and just buy something, set it and forget it. That works the best especially if you make sure you aren't buying into the hype. Buy after the graph has pretty much flat lined.",
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      "author": "davidalexander",
      "permlink": "re-smithappens-my-stumbled-upon-adventure-into-the-world-of-crypto-20170822t203314729z",
      "title": "",
      "body": "Great article! I am also holding some MCO. Incredible to see that Bill Gates is worth the total market cap of Bitcoin! Really puts into perspective the embryonic stage crypto is still in.",
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      "permlink": "re-smithappens-my-stumbled-upon-adventure-into-the-world-of-crypto-20170822t201820755z",
      "title": "",
      "body": "@smithappens Thank you for this! I am brand spankin' new into the crypto world and it has been super exciting to learn about. I have been doing some research on the different cryptocurrencies, but I haven't been able to figure out how to buy in. You mentioned that you also had a hard time figuring it out. What was the site you used to buy into the market? Thanks! I'm shooting you a follow :)",
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