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      "body": "**Coins mentioned in post:**\n\nCoin | | Price (USD) | 📈 24h | 📈 7d\n- | - | - | - | -\n**BTC** | Bitcoin | 6965.527$ | _0.46%_ | _6.41%_\n**EOS** | EOS | 6.180$ | _5.6%_ | _25.87%_\n**ETH** | Ethereum | 280.959$ | _0.41%_ | _1.59%_\n**NEO** | NEO | 19.735$ | _4.52%_ | _12.45%_\n**XRP** | XRP | 0.331$ | _0.33%_ | _2.05%_",
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      "title": "Confidence in Crypto Survey: People Express a Need for Better Financial Applications",
      "body": "<center>\n![](https://cdn.steemitimages.com/DQmafrvxxAdazLvFjmKMEWMFNAyQuxreEXDKcdwWpyuXwLh/image.png)\n</center>\n\nResults from the 2018 Confidence in Crypto survey are in and it’s worth hearing them. 587 respondents covered everything from how many digital wallets they use, to what industry they believe will benefit most from Blockchain-technologies.\n\nWhether you’re an analyst of the crypto trends, a passionate investor or an ordinary fellow, who’s just looking to better understand the crypto community — read along.\n\n**People are disappointed in current financial applications**\n\nAmong the most important findings, people are disappointed in current financial applications, worrying about security and personal data protection (see chart below).\n\nMore than a third of all respondents also agreed that the applications lack simplicity to use and integration of services into one screen.\nWhat’s perhaps most worrying is that only less than 13% of respondents expressed the view that the current financial applications are good as they are, concluding that there’s definitely room for improvement.\n\n<center>\n![](https://cdn.steemitimages.com/DQmUkRUKcPAejn3t1Zb4XoJSXMKrjV9RB3JcbidDTsh8izB/image.png)\n</center>\n\n**People use numerous digital wallets and crypto-currency exchange accounts**\n\nMost respondents claimed to own cryptocurrencies such as Ethereum or Bitcoin, while a smaller group (one fifth) also own less-known currencies such as XRP, EOS or NEO.\n\nAlthough the surveyed mostly hold cryptocurrency for Hodling purposes, some also own them to support the industry, as well as to use them for the alternative source of revenue.\n\nTo manage all of them many users hop between numerous digital wallets and crypto-currency exchange accounts. Most likely because apps lack integration of all these services into one-screen.\n\nMore than two-thirds use 3 or more digital wallets. A similar number of respondents use 4 or more crypto exchange accounts. Naturally, a significant group of those who value their security and don’t use the same username and password everywhere are having trouble keeping track of all the different passwords. Suggesting that there is a pressing need to merge all of these wallets and exchanges into one.\n\n<center>\n![](https://cdn.steemitimages.com/DQmPnybi8keZcGZaa6PPhQ2MHU63rE5umY4LTjuUMpxMsUQ/image.png)\n</center>\n\n**Finance industry will benefit most from Blockchain technology**\n\nMore than a half of respondents agree that the finance industry will be the one to benefit the most from Blockchain technology and crypto trends. Personal data, logistics, and energy are also considered to get a significant boost from the Blockchain, while asset tokenization, retail, and healthcare finish last on the list (see graph below).\n\nTo receive information about Blockchain and crypto as well as form opinions on their trends, respondents trust the social media channels (such as Twitter) and crypto news portals (such as CoinTelegraph). Meanwhile, Reddit and other forums follow closely behind.\n\n<center>\n![](https://cdn.steemitimages.com/DQmUHAusMUnJaFgtLpRX8qeNftLzcKNtY4EB5JBi3P6YHqs/image.png)\n</center>\n\nOver half of the enthusiasts also invest in ICOs (Initial Coin Offerings) because they believe in the team (or product) or they are keen to make a medium-term profit in the secondary market. Most of them put in between 5 and 10% of their monthly income to this goal. Given that the market delivers, many have plans to increase this share.\n\nWorryingly, many of those who don’t invest in ICOs or are planning to reduce the amount they’re investing into them, cite “Afraid of scams” as the main reason for holding back. This suggests better oversight or verification of the issuer is necessary.\n\nPerhaps not surprisingly, an overwhelming majority agree (or somewhat agree) that the crypto space needs more regulation from the authorities.\n\n<center>\n![](https://cdn.steemitimages.com/DQmYbYuFCnp2q9dHLm7A8r2iDdcLw6aA2ccVpTdRsRqpAzn/image.png)\n</center>\n\n**In conclusion**\n\nBetter apps, integration of wallets and exchanges into a single platform, better data protection and better oversight of the issuers you choose to invest into is a necessity. That is what the crypto-community requests of the service providers.\n\nLuckily, all this and much more will be available on the ORCA platform in one year’s time. The platform will be built on top of base layer PYGMY and each release will add new functions and features.\n\n***\n\nSubscribe and enlist for ORCA tokensale on www.orcaalliance.eu.\n\n**If you wish to get access to the whole dataset of 587 respondents, reach out to the ORCA team at [email protected]**\n\n[Twitter](https://twitter.com/ORCA_Alliance) | [Facebook](https://www.facebook.com/ORCAAlliance/) | [Instagram](https://www.instagram.com/orca_alliance/) | [Reddit](https://www.reddit.com/r/ORCA_Alliance/) | [Linkedin](https://www.linkedin.com/company/orca_foundation_io/) | [Website](https://orcaalliance.eu) | [Github](https://github.com/orcaalliance/)",
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      "body": "<center> \n![](https://cdn.steemitimages.com/DQmWFjAzX3v5LfyPDmHU9QmCRVFZqSwQnJP9LB4eedgzkZu/image.png)\n</center> \n\n[ORCA Alliance](https://orcaalliance.eu) is proud to unveil a new partnership with [Sentbe](https://www.sentbe.com/en/), an online remittance company that is one of the fastest growing providers of the service in South Korea. This FinTech (Financial Technology) company is the leader in providing cheap and reliable financial services to the people in need and we are more than happy to announce that we will be integrating this solution-provider into our platform.\n\n<center>\n![](https://cdn.steemitimages.com/DQmefRjd1EQgSE1ay2VBF1KryENLnZwiPKXkxPU7zFpbpm5/image.png)\n</center>\n\nThe idea behind Sentbe is worth hearing. Remittances, the money sent home by people who work in a foreign country, is a market worth millions of dollars in South Korea (see graph below). Naturally, institutional banks still account for a major share of payment services.\n\nAlthough, their offered services are still a better option that stuffing a letter full of cash and hoping it crosses the border without catching an eye of an unscrupulous official, banks have a tendency to charge high fees from diligent workers and take days to pass the money through.\n\n<center>\n![](https://cdn.steemitimages.com/DQmdYTKuuJJvXRHQYWYu61463PuxMwFfUkUVAFQzt373Ycp/image.png)\n</center>\n\nBlockchain steps in to offer great potential for improving payment systems and allowing Sentbe to provide a better option for foreign workers to send money back home.\n\nSentbe is superior because it does not make any deductions. Its remittance service is thus up to 20 times cheaper than traditional payments via bank transfer (see diagram below).\n\n<center>\n![](https://cdn.steemitimages.com/DQmd2jdXLZFkrWb3JJwDgakd5QbmuEV8xfMMH3sEXLdyRZc/image.png)\n</center>\n\nMoreover, it can be trusted because it is certified and licensed by the Government of South Korea. In addition, they support diverse models of fund receipt. Users can choose between bank deposits, pick-up centers and other means of collecting the remittances.\n\nIt has Won the Minister’s Award at the 2016 1st MK Fintech Award sponsored by the Ministry of Science, ICT and Future Planning and has been selected as a pilot service for small mobile foreign currency transfer businesses in Seoul city.\n\n<center>\n*Its remittance service is up to 20 times cheaper than traditional payments via bank transfer*\n</center>\n\nSentbe is currently satisfying the needs of Southeast Asian countries, but its team has big plans to go global and is preoccupied with integrating Australia and the U.S. next.\n\nHere at ORCA alliance we are beyond excited. Not only will this relationship going to benefit the fans of ORCA, it will also mark a significant step for the platform as it strides into the Asia’s market.\n\nIn other words, this partnership is no small feat.\n\nEarly round is officially closed, we successfully reached the cap of the early round and now getting ready for round II. Register for second round at [www.orcaalliance.eu](https://orcaalliance.eu) and secure your 10% bonus!\n\n[Twitter](https://twitter.com/ORCA_Alliance) |  [Facebook](https://www.facebook.com/ORCAAlliance/) |  [Instagram](https://www.instagram.com/orca_alliance/) |  [Reddit](https://www.reddit.com/r/ORCA_Alliance/) |  [Linkedin](https://www.linkedin.com/company/orca_foundation_io/) |  [Website](https://orcaalliance.eu) | [Github](https://github.com/orcaalliance/)",
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    {
      "parent_author": "",
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      "author": "vizier",
      "permlink": "of-animal-spirits-and-reality-the-slumping-ico-market-does-not-deter-eager-investors-and-startups",
      "title": "Of Animal Spirits and Reality: The Slumping ICO Market Does Not Deter Eager Investors and Startups",
      "body": "<center>\n![](https://cdn.steemitimages.com/DQmY5dZHUeiLtaFnZeNQ7CSa8pmsEqE7rWWxJGw1SWiAJgp/image.png)\n</center>\n\nThere are a number of ways to keep up with any financial market. One way is to routinely go through available information, meticulously check different reports, constantly revise your opinion and understand that you might still not fully know what‘s happening. But then again, why bother with reality when you can drop all of that hard work and just follow a pack of [“Animal spirits“](https://www.investopedia.com/terms/a/animal-spirits.asp), guided by nothing more than shear intuition and high velocity?\n\nThe latter is just how most investors now choose to interpret the ICO [(Initial Coin Offering)](https://www.investopedia.com/terms/i/initial-coin-offering-ico.asp) industry, which is a perfect illustration of “Animal spirits” in action — a term that John Maynard Keynes, a renounced British economist coined to explain financial decisions we make in uncertain times and circumstances.\n\nYou can call this view cynical, but facts show that July of 2018 hasn‘t been great for the ICO industry. Apart from a bit of reinforcing crypto activity in [Malta](https://www.ccn.com/worlds-first-initial-convertible-coin-offering-icco-launches-in-malta/) and [Philippines](https://cointelegraph.com/news/philippines-securities-regulator-issues-draft-of-ico-rules-requests-feedback-from-public), both [Coinspeaker](https://www.coinspeaker.com/2018/08/07/monthly-ico-market-analysis-july-2018/) and [Coinschedule](https://www.coinschedule.com/stats.html?year=2018) are reporting July as the worst month this year in terms of funds collected by the firms conducting Initial Coin Offerings. Moreover, there‘s also been a slump in the number of firms which achieve the 100% funding goal, not to mention an overall decrease in the numbers of companies which choose to begin an ICO in the first place.\n\n<center>\n![](https://cdn.steemitimages.com/DQmbV337repPrMgyEnszSaouS19NzJKQACfCpJudXd2XuhE/image.png)\n</center>\n\nDespite that, many investors seem unfazed. After all, spirits dictate the market: June has been great, that means confidence is high and (by the logic of our rose-tinted view) the sheer positivity will bring growth to the market this August. That is, of course, in spite of the fundamental volatility and uncertainty associated with Initial Coin Offering industry (see graph above).\n\n**Food-for-thought**\n\nNever mind the stormy times, firms continue to rally investors, who are willing to crowdfund their projects. Despite the overall cynical outlook of this article, your correspondent has to admit there are a few promising beacons of progress floating out there. If you decide to put your money into this galloping market, bet it on these horses.\n\n**DxChain**\n\nFirstly, [DxChain](https://dxchain.com), the world‘s first decentralised big data and machine learning network, has just closed its token sale on 6th of August having collected over $20m — 95% of its initial goal.\n\nIt combines some good ideas that are already in use. A decentralized group of blockchains allows users to use the network both as a data exchange platform to trade their information and as a business intelligence platform to analyse that data for business insights. The system is held together by a peer-to-peer network and [Hadoop HDFS](http://www.aosabook.org/en/hdfs.html) file systems.\n\nTo do this project justice, I invite you to read more about its potential on the proposed [whitepaper.](https://docsend.com/view/8w3fman)\n\n<center>\n**“Don’t spend what you can’t afford to lose” is generally a good rule to go by when it comes to the ICO market.**\n</center>\n\n**Ubex**\n\nSecondly, [Ubex](https://icodrops.com/ubex/), a global decentralized advertising exchange, is very close to achieving 100% of its set goal. At the time of writing this, Ubex has already raised over $8.1m and is only $0.8m away from it. There are also 5 days left of the token sale, so they might get even luckier still.\n\nTheir idea is also worth hearing. It has set out to deal with the problems ravaging the advertising industry. With the help of programmatic technologies, neural networks and smart contracts it deems itself capable of dealing with low ad targeting efficiency, non-transparent counterparty relationships and customer dissatisfaction with the quality of advertising.\n\nThat is no small feat to accomplish, but if they [succeed](https://www.ubex.com/wp/Ubex-Whitepaper-en.pdf) they will receive a lot of Thank-you (digital) letters from the advertisers, publishers and perhaps even customers alike.\n\n**ORCA**\n\nFinally, [ORCA](https://orcaalliance.eu/en/), an all-in-one platform for personal finance management, is one of the newcomers in the ICO industry having just started its token sale on the 6th of August. It is, however, looking very promising — ORCA already reached early round cap of $1.5m in 50 hours. Second round should start on August 27 when ORCA will try to take a stab at the hard cap. While the bears are devouring the market, ORCA seemed to have a chance.\n\nThe goal of their project is to create an AI-powered platform from which its token buyers could manage all of their finances on a single interface (crypto included). That means users will have access to different bank accounts and payment cards, to crypto wallets and transaction services, to exchanges, lending services, and other financial service providers.\n\n<center>\n![](https://cdn.steemitimages.com/DQmeRgeQZbVegastmejAS4eD5P7J5PbNNoWdkEwVMU3VT16/image.png)\n</center>\n\nThey are, in short, offering a user interface from which you will be able to manage all your cash flows. Their app just might be exactly what most of us surely need in the disorganized world of multiple credit cards, banks accounts and numerous crypto wallets and exchanges.\n\n**In summary**\n\n“Don’t spend what you can’t afford to lose” is generally a good rule to go by when it comes to the ICO market. It is tempting to engage in a bubble of positivity and imagine yourself as a future rags-to-riches success story, but that is a perfect example of divorcing reality.\n\nJune has been great. July has been hard for the many upstarts that were eager to get their feet wet. August also might not be a walk in the park. So, proceed with caution, but if you can’t contain yourself, back one of the most-promising horses.",
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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://hackernoon.com/inching-towards-recognition-crypto-currencies-are-integrating-into-mainstream-financial-services-ce12b124d921",
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      "parent_permlink": "bitcoin",
      "author": "vizier",
      "permlink": "inching-towards-recognition-crypto-currencies-are-integrating-into-mainstream-financial-services",
      "title": "Inching towards recognition: Crypto-currencies are integrating into mainstream financial services.",
      "body": "<center> \n![](https://cdn.steemitimages.com/DQmNvM9bHdsbDss7osgyLm2g7rDhB4tNEb6bEwZafbSDGGD/image.png)\n</center> \n\n**Fingers crossed**\n\nSince Japan chose to legalize [Bitcoin as a legal payment method](https://www.ccn.com/japan-accepts-bitcoin-as-legal-payment-method-whats-next/), the use of blockchain-based cryptocurrencies rose in anticipation of a new wave of popularity. The animal spirits were high for a full-scale inclusion of crypto into the financial system.\n\nHowever, without the support of the currently entrenched financial behemoths, crypto has faced a hard time. Its advantages were mostly ignored, and the drawbacks were inflated to make it the boogeyman of finance. Denounced as a pastime for millennials, it was scantly recognized even as a possible addition to the financial services.\n\nHowever, the potential of blockchain cryptocurrencies for private-transactions, remittances, online shopping or investment in technological startups remains high. This is slowly being acknowledged, as established financial corporations begin to pay attention and prepare for the future of FinTech (Financial Technology).\n\n<center>\n![](https://cdn.steemitimages.com/DQmPDGradJuTgC8zMzDd7k2PEi6WQo7HFpokmor4Bcm9M7c/image.png)\nSource: Statista\n</center>\n\n**The New Frontiers**\n\nMost recently, on July 17th Mastercard won a patent to link cryptocurrency with fiat accounts from the US Patent and Trademark Office. MasterCard Labs, the company’s research, and development department have previously already filed more than 30 different blockchain or cryptocurrency related patents, but this one is of particular importance.\n\nBy linking crypto with its efficient transactions systems, the company would be able to overcome one of the main concerns alarming the crypto-community: The speed of transactions.\n\nTraditionally, a blockchain-based transaction takes 10 minutes or so to be processed. If you’re on the receiving end of that transaction, you don’t care about how secure and anonymous it was until you receive the money. Therefore, merchants, retailers, service providers may be wary of accepting crypto for products, as it doesn't sound particularly appealing to hold a customer in store for that period of time.\n\nTo shorten transfer time, MasterCard is making plans for the development of a new type of account. An account that would be able to cut travel time by transferring crypto that is pegged to traditional government-backed currency. Not only should this be more efficient, but also far more secure.\n\nThe company is attracted to the use of the new technologies for the [purposes of defense against fraud and identity theft](https://toshitimes.com/mastercard-investigates-the-use-of-blockchain-to-combat-fake-identities/) that is achieved by storing all the information in a decentralized ledger.\n\nIn short, this combination of traditional payment technologies and blockchain currencies may just be the much-needed push towards the inclusion of crypto into the world of finance.\n\n**It’s all in the numbers, silly**\n\nOf course, whereas the behemoths are catching up, the vision of seamless back and forth transactions between crypto and, say, euros or dollars has already been the bread and butter of some upstarts.\n\n[ORCA Alliance](https://orcaalliance.eu), a company to bridge crypto and traditional finance, has recently presented its technological case for the community during a live event [streamed online](https://www.youtube.com/watch?v=X_DgEir5GBw&t=). ORCA completed a transfer from a cryptocurrency exchange straight to user’s bank account in [6 seconds](https://www.youtube.com/watch?v=B48Engs_vtU).\n\n<center>\n![](https://cdn.steemitimages.com/DQmSqbqKh1m4zXgCRERKV4ijE1RKvfotUu7g8iszPmd7u8n/image.png)\nD. Radin presenting ORCA’s technical solution\n</center>\n\nThe upstart has managed to accomplish this feat by combining 3 APIs (Application Programming Interfaces): one for crypto-exchange, another for the payment gateway and an API of a financial institution. With this elaborate method and its user-friendly financial management tool, the firm is very well placed to be the solution provider crypto-community desperately needs.\n\n**To complete the hash**\n\nThe previously closed-off Silicon Valley insiders club is inching towards mainstream financial service providers. Upstarts and incumbent alike are putting forward solutions to relieve numbers of issues tormenting cryptocurrency adopters. Don‘t be surprised if their fresh ideas put a novel spin on old financial practices.",
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      "body": "@@ -1,63 +1,4 @@\n-**Huge opportunity for individual people and households**%0A%0A\n %3Ccen\n@@ -119,16 +119,75 @@\n enter%3E%0A%0A\n+**Huge opportunity for individual people and households**%0A%0A\n Open Ban\n",
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      "body": "@@ -52,16 +52,142 @@\n olds**%0A%0A\n+%3Ccenter%3E%0A!%5BORCA_22.JPG%5D(https://cdn.steemitimages.com/DQmW8UKZTQKcyLoWX3eczzpypXuUxT7x3NPmTv1iteRqeTg/ORCA_22.JPG)%0A%3C/center%3E%0A%0A\n Open Ban\n@@ -1572,16 +1572,66 @@\n think.%0A%0A\n+%3Ccenter%3E%0Ahttps://imgur.com/fFuthGx.gif%0A%3C/center%3E%0A%0A\n Small sa\n@@ -4065,16 +4065,66 @@\n efore.%0A%0A\n+%3Ccenter%3E%0Ahttps://imgur.com/Uz0sK7y.gif%0A%3C/center%3E%0A%0A\n It%E2%80%99s not\n",
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      "parent_permlink": "fintech",
      "author": "vizier",
      "permlink": "why-now-is-the-best-time-for-orca",
      "title": "Why now is the best time for ORCA?",
      "body": "**Huge opportunity for individual people and households**\n\nOpen Banking is more than 6 months old. Infancy stage right now, but Banks and local branches already hiring developers to build them API gateways. Their backs are up against the wall and there’s no escaping — they will have to comply. And by complying every provider opens up doors to build something new and useful. ORCA is enrolling to surf the way of Open Banking and draw out on the major advantages brought by the changes, especially to the end-consumers and European citizens.\n\nOpen Banking will allow to connect all your financial data into a single dashboard and monitor them all without delay. And that is not all. When you can connect everything, you’re able to make sense of the data. How many of you can tell me exactly cent by cent how much money did you spend last month? And more importantly, where did you spend it? Leisure, entertainment, savings?\n\nSo far a specified minority of people are actually doing personal budgeting. Others just go from paycheck to paycheck. With Open Banking this is changing. Data aptness will help people to get financially-literate. And it’s just the tip of the iceberg. Artificial intelligence analytics, spending and trading profiles, cheaper alternatives and much more can be proposed ONCE you have all the relevant information in place. We have it all planned and put it on our roadmap for you to follow. It’s coming. Sooner than you think.\n\nSmall savings add up over time. Small interest adds up over time. A little change implemented now and maintained throughout a period of time can yield breath-taking results. Just take a look at evolution. Only now our part of life, in fact, the area how we as individuals manage value transfers, is evolving rather than a physical change in our biology.\n\n**Cryptocurrencies inching their way to the world of finance**\n\nCryptocurrency is getting widely appreciated and recognized. Banks are considering crypto trading, top executives are migrating to head crypto exchanges and ICO projects. Even the governments and global authorities such as BIS, European Parliament, and the SEC are paying close attention to the direction of crypto. You can barely refer to it as ‘inching’ anymore.\n\nThat’s why we have made arrangements to provide anything you might need to utilize cryptocurrencies. Buying and trading? No problem. Using third-party services and dApps? No problem. Participating in crowdfunding, doing research and learning? No problem.\n\nOne of the main goals of ORCA is to insert an efficient gateway for people to jump back and forth the crypto world. Current situation poses a lot of knowledge and situational problems for market newcomers which in turn reduces the rate of adoption. We have already solved instant crypto to fiat withdrawal problem and are going to apply the technological solution in the ORCA platform.\n\nIncluding digital currencies feels like a natural checkpoint on ORCA’s way to build the ultimate personal finance management tool. Without crypto, no self-respecting millennial would ever join the platform. The new generation doesn’t put too much trust in the financial system and is welcoming alternative models. Whether it’s a much-needed sentiment change or a path to misery, only time will tell.\n\n**Banking is changing. You can be the first to embrace it or you can be the last. Choose wisely.**\n\nBanking is shifting to the side of digitalization and remote access. You don’t have to physically hold the currency to use it. The end result is a cashless society. It’s a long time until we get there, but the pattern is obvious. We’re just seconds away until people start feeling the benefits.\n\nORCA is merging traditional banking with new age applications, proven financial strategies with machine learning algorithms and bringing the world of investment to the society at large. It has never been done before.\n\nIt’s not so easy to comprehend how much it already changed. Years ago the only way to pay for goods was doing it by cash and if you have none on you, you better have a friend nearby you can convince. Even modern things like credit cards started to spread into the mainstream only odd 30 years ago. Hell, an international bank payment takes a couple of days even now! It’s super strange when you can stream 4k video to a person around the globe virtually with no delay.\n\nBut some things HAVE changed. Music platforms, your mobile devices, and car parking applications understand money. Now you don’t have to bother to pay for some services, it’s automatic. So easy, you don’t have to think about it, but you’re fully aware what’s happening. Other areas of life, including banking and finance, will follow. They already are.\n\nORCA is building a killer app for personal banking. Bringing complex equations into simple terms. What’s the first thing you’ll notice? Once you plug your accounts to the platform — you will finally get an easy rundown of your monthly expenses, purchases, and their sources. A rare person nowadays does that. People think they have a general understand but you’ll be surprised what the exact figures are.\n\nORCA ICO starts on August 6th 9 AM GMT. Currently, there are less than 100 seats for 20% bonus and vacancies are rapidly shrinking every day. Do not forget to join our crowdsale and participate in the token sale. Make sure you have passed the KYC before. Time is running out.\n\n[Twitter](https://twitter.com/ORCA_Alliance) | [Facebook](https://www.facebook.com/ORCAAlliance/?ref=aymt_homepage_panel) | [Instagram](https://www.instagram.com/orca_alliance/)| [Reddit](https://www.reddit.com/r/ORCA_Alliance/) | [LinkedIn](https://www.linkedin.com/company/orca_foundation_io/) | [Website](https://orcaalliance.eu) | [Github](https://github.com/orcaalliance/) |",
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      "parent_permlink": "fintech",
      "author": "vizier",
      "permlink": "why-orca-alliance-is-going-to-worth-usd6-billion-by-2023",
      "title": "WHY ORCA ALLIANCE COULD BE WORTH $6 BILLION BY 2023",
      "body": "*Think the headline screams a bit too much? Well, first go through our points and make the final decision afterward. Sounds fair enough?*\n \nIf you think that people will continue using digital applications on their phones to send or receive information (including value transfers), and believe that cryptocurrencies are to become a noticeable part of the global economy then [ORCA](https://orcaalliance.eu/?utm_source=monday&utm_medium=july) is a no-brainer.\n\n**Fintechs are sexy and now is the time to shine**\n\nThe idea to run a successful company has to start with a problem that’s really bothering people and give them a solution they can use without a big hustle. For years running the general public is not satisfied with their banking service. Usually, they had no alternatives. That was until Fintechs started appearing and making processes faster, easier and more accessible.\n\nInvestors and fund managers did not fail to recognize this trend and set to pour money into Fintechs. Capital invested in companies building solutions for financial technology has increased more than tenfold during the last decade and show no signs of stopping. In fact, the pace is estimated only to increase taking notice of the sudden rise of cryptocurrencies.\n\n<center>\n![](https://cdn.steemitimages.com/DQmYQ29oQa7zcivZV2rztjy1V8wRfRJgBnmohDcgfzUyC3D/image.png)\nSource: Accenture Research analysis of CB Insights data\n</center> \n\nMoreover, ORCA is situated in the middle of an upcoming storm brought about by PSD2 directive which will hit the European banking sector – Open Banking. It will make banks and legacy financial institutions to open their client data to create a more competition-driven and transparent market. By traditional banking services via Open banking, building a marketplace for decentralized services and combining them with the opportunities entrenched in cryptocurrencies ORCA is positioned to squeeze the best of both worlds. Just in time when both crypto and Open banking are just making way into the minds of consumers.\n\n“PSD2 could change banking forever.“ - Anne Boden, CEO at Sterling Bank\n\n<center>\n![41OBQ.png](https://cdn.steemitimages.com/DQmRCT7MPUMjWHfycZH65PWLbUm9LxSJ4mFLi6hdDGwHbdV/41OBQ.png)\n</center> \n\nPSD2 and Open Banking start with European banks. They are considered to be the most stable and risk-averse financial institutions in the world. And other regions are watching closely, there is news coming from countries like Mexico, South Korea, and Australia that similar directives will be adopted in the future. \n\nThe number and cumulative value of Fintechs will only escalate in the upcoming years.\n\n**Unlimited expansion potential**\n\nORCA business model allows adding banks, wallet services and extra features with every update. It is an asset that can be layered. Every additional layer adds functionality, increases possible combinations by order of magnitude and grows the value of the network. That’s Metcalfe’s law in effect. Of course, it requires a substantial amount of users to kick in, but once it does it just grows on its own.\n\nIt’s a big advantage to have areas to experiment in. And with the uncountable ways to combine, sort and customize payment gateways, ORCA will resonate a magnetic force attracting users from different backgrounds and with personal objectives.\n\nFinancial & fund loss insurance, voice activation, budgeting suggestions, spending pattern analysis and much more are merely fragments of implied benefits offered by ORCA.\n\nThere’s a reason why “API” is becoming a new buzzword in the financial sector. It is so because it opens the gates to deploy and merge the latest technology providing frictionless services through a user-friendly interface. Essentially it acts as a multiplier effect.\n\nORCA platform aggregator function is structured around APIs. Whether it is a digital coin wallet, cryptocurrency exchange, payment institution or a bank — all inter-terminal connections will involve APIs. The sky is the limit on API utilization — if you have ideas and resources to implement them, possible iteration cycles are endless. You can always add another layer on top.\n\n*“Digital-only banks have numerous benefits in an API-oriented world. They have been built from scratch to foster innovation and clever design, and they do not have slow cultures or systems to bog them down. Some of these new challenger banks may thrive by offering marketplaces of API-based services that other banks can turn to <…>”* — World Retail Banking report 2017.\n\n<center>\n![API_monetization_banks_cropped.png](https://cdn.steemitimages.com/DQmfLtvDh1WhJcRLLYFb6FkLifkwpFFnY1iwdtjxQV7iytc/API_monetization_banks_cropped.png)\nSource: Capgemini Financial Services Analysis, 2017\n</center>\n\n**Hidden user acquisition**\n\nGiven the nature of the platform, partner clients become [ORCA](https://orcaalliance.eu/?utm_source=monday&utm_medium=july) users in one way or another. It’s a clever scheme to add users without spending a dime. ORCA offers an alternative interface with added features and some people will spill over to the platform. If they like the UI/UX that is. One may call it *stealth user adoption.*\n\nWhether it be clients of legacy banks, cryptocurrency traders, your regular long-term hodlers or curious testers attracted by innovative solutions, all are more than welcome to join ORCA. Planned efforts of a ‘bring a friend’-like initiatives, cashback programmes and other user acquisition-driven actions will only increase the incentive to join the platform.\n\nAccording to the World Fintech Report (2017), almost a third of adults who have a bank account also have an account with a non-traditional banking institution. The significance is even larger within the millennial generation. Scaling added services and payment gateways also help to scale users as well.\n\n**A platform built by the industry’s titan**\n\nIt’s likely the case that every single API connection of a third-party bank or another provider will require a secular approach. At least in part. But the general framework will stay the same. Through time and experience, development times and required man-hours will decrease therefore reducing incurred costs. Practice makes perfect.\n\nORCA has the right people to make it happen. Led by a disciplined leader with a proven track record — Sigitas, ORCA’s system architect. Sigitas was one of the original team members who built GetJar — the first wide-scale app store on the Internet. Later on, came the Apple store and Google Play to dominate the market, but to this day GetJar has around a million apps with 300,000 daily downloads.\n\nIt’s a project with low risk but huge upside potential, especially in the medium to long-term. It may not happen overnight, but it will happen. ORCA is not the best case for a quick flip on the secondary market, however, it will serve as a solid alternative to for portfolio diversification. Now is the age of Fintech.\n\nUnless a major setback happens or development fails miserably, there’s a strong sentiment that ORCA will succeed.",
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      "parent_author": "",
      "parent_permlink": "fintech",
      "author": "vizier",
      "permlink": "why-orca-alliance-is-going-to-worth-usd6-billion-by-2023",
      "title": "WHY ORCA ALLIANCE IS GOING TO WORTH $6 BILLION BY 2023",
      "body": "*Think the headline screams a bit too much? Well, first go through our points and make the final decision afterward. Sounds fair enough?*\n \nIf you think that people will continue using digital applications on their phones to send or receive information (including value transfers), and believe that cryptocurrencies are to become a noticeable part of the global economy then [ORCA](https://orcaalliance.eu/?utm_source=monday&utm_medium=july) is a no-brainer.\n\n**Fintechs are sexy and now is the time to shine**\n\nThe idea to run a successful company has to start with a problem that’s really bothering people and give them a solution they can use without a big hustle. For years running the general public is not satisfied with their banking service. Usually, they had no alternatives. That was until Fintechs started appearing and making processes faster, easier and more accessible.\n\nInvestors and fund managers did not fail to recognize this trend and set to pour money into Fintechs. Capital invested in companies building solutions for financial technology has increased more than tenfold during the last decade and show no signs of stopping. In fact, the pace is estimated only to increase taking notice of the sudden rise of cryptocurrencies.\n\n<center>\n![](https://cdn.steemitimages.com/DQmYQ29oQa7zcivZV2rztjy1V8wRfRJgBnmohDcgfzUyC3D/image.png)\nSource: Accenture Research analysis of CB Insights data\n</center> \n\nMoreover, ORCA is situated in the middle of an upcoming storm brought about by PSD2 directive which will hit the European banking sector – Open Banking. It will make banks and legacy financial institutions to open their client data to create a more competition-driven and transparent market. By traditional banking services via Open banking, building a marketplace for decentralized services and combining them with the opportunities entrenched in cryptocurrencies ORCA is positioned to squeeze the best of both worlds. Just in time when both crypto and Open banking are just making way into the minds of consumers.\n\n“PSD2 could change banking forever.“ - Anne Boden, CEO at Sterling Bank\n\n<center>\n![41OBQ.png](https://cdn.steemitimages.com/DQmRCT7MPUMjWHfycZH65PWLbUm9LxSJ4mFLi6hdDGwHbdV/41OBQ.png)\n</center> \n\nPSD2 and Open Banking start with European banks. They are considered to be the most stable and risk-averse financial institutions in the world. And other regions are watching closely, there is news coming from countries like Mexico, South Korea, and Australia that similar directives will be adopted in the future. \n\nThe number and cumulative value of Fintechs will only escalate in the upcoming years.\n\n**Unlimited expansion potential**\n\nORCA business model allows adding banks, wallet services and extra features with every update. It is an asset that can be layered. Every additional layer adds functionality, increases possible combinations by order of magnitude and grows the value of the network. That’s Metcalfe’s law in effect. Of course, it requires a substantial amount of users to kick in, but once it does it just grows on its own.\n\nIt’s a big advantage to have areas to experiment in. And with the uncountable ways to combine, sort and customize payment gateways, ORCA will resonate a magnetic force attracting users from different backgrounds and with personal objectives.\n\nFinancial & fund loss insurance, voice activation, budgeting suggestions, spending pattern analysis and much more are merely fragments of implied benefits offered by ORCA.\n\nThere’s a reason why “API” is becoming a new buzzword in the financial sector. It is so because it opens the gates to deploy and merge the latest technology providing frictionless services through a user-friendly interface. Essentially it acts as a multiplier effect.\n\nORCA platform aggregator function is structured around APIs. Whether it is a digital coin wallet, cryptocurrency exchange, payment institution or a bank — all inter-terminal connections will involve APIs. The sky is the limit on API utilization — if you have ideas and resources to implement them, possible iteration cycles are endless. You can always add another layer on top.\n\n*“Digital-only banks have numerous benefits in an API-oriented world. They have been built from scratch to foster innovation and clever design, and they do not have slow cultures or systems to bog them down. Some of these new challenger banks may thrive by offering marketplaces of API-based services that other banks can turn to <…>”* — World Retail Banking report 2017.\n\n<center>\n![API_monetization_banks_cropped.png](https://cdn.steemitimages.com/DQmfLtvDh1WhJcRLLYFb6FkLifkwpFFnY1iwdtjxQV7iytc/API_monetization_banks_cropped.png)\nSource: Capgemini Financial Services Analysis, 2017\n</center>\n\n**Hidden user acquisition**\n\nGiven the nature of the platform, partner clients become [ORCA](https://orcaalliance.eu/?utm_source=monday&utm_medium=july) users in one way or another. It’s a clever scheme to add users without spending a dime. ORCA offers an alternative interface with added features and some people will spill over to the platform. If they like the UI/UX that is. One may call it *stealth user adoption.*\n\nWhether it be clients of legacy banks, cryptocurrency traders, your regular long-term hodlers or curious testers attracted by innovative solutions, all are more than welcome to join ORCA. Planned efforts of a ‘bring a friend’-like initiatives, cashback programmes and other user acquisition-driven actions will only increase the incentive to join the platform.\n\nAccording to the World Fintech Report (2017), almost a third of adults who have a bank account also have an account with a non-traditional banking institution. The significance is even larger within the millennial generation. Scaling added services and payment gateways also help to scale users as well.\n\n**A platform built by the industry’s titan**\n\nIt’s likely the case that every single API connection of a third-party bank or another provider will require a secular approach. At least in part. But the general framework will stay the same. Through time and experience, development times and required man-hours will decrease therefore reducing incurred costs. Practice makes perfect.\n\nORCA has the right people to make it happen. Led by a disciplined leader with a proven track record — Sigitas, ORCA’s system architect. Sigitas was one of the original team members who built GetJar — the first wide-scale app store on the Internet. Later on, came the Apple store and Google Play to dominate the market, but to this day GetJar has around a million apps with 300,000 daily downloads.\n\nIt’s a project with low risk but huge upside potential, especially in the medium to long-term. It may not happen overnight, but it will happen. ORCA is not the best case for a quick flip on the secondary market, however, it will serve as a solid alternative to for portfolio diversification. Now is the age of Fintech.\n\nUnless a major setback happens or development fails miserably, there’s a strong sentiment that ORCA will succeed.",
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      "parent_permlink": "cryptocurrency",
      "author": "vizier",
      "permlink": "partnership-with-tomochain-and-orca-tokenomics-finalizing-sale-structure",
      "title": "Partnership with Tomochain and ORCA tokenomics: finalizing sale structure",
      "body": "<center>\n![](https://cdn.steemitimages.com/DQmZXqY1kxJrYq59Fetvm6gJXtV5ZWjmsjeFuVUoMRXYy9X/image.png)\n</center>\n\n*A major update coming out this Tuesday regarding some new partnerships and tokenomics update for the project. There is a lot of important information included so spare the time and have a read. It will serve you well. So without further ado let’s start, shall we?*\n\n**Shaking hands with Tomochain, start working together**\n\n[ORCA Alliance](https://orcaalliance.eu), an Open Banking platform for technology-led personal finance pivots and relocates development plans to [Tomochain](https://tomochain.com). A technologically-advanced blockchain infrastructure fulfills multiple needs that ORCA can utilize during development.\n\nTomochain’s infrastructure has few-second transaction confirmation times with minimal fees allowing ORCA to benefit from its high throughput system. A key function of ORCA’s token is to act as a vehicle that authenticates transactions between different service terminals through APIs allowing information exchange.\n \nThe users at the same time will be able to enjoy the efficiencies of fast and reliable performance manifested through sending and receiving financial information through the network’s internal gateways.\n\nTo celebrate the partnership ORCA is going to be accepting TOMO tokens during their token sale offering an extra 5% bonus as an incentive for contributions made in the partner’s native currency.\n\n**Ensuring connection: Long Vuong, co-founder of NEM blockchain and CEO of Tomochain joins ORCA Alliance for an advisory role**\n\n<div class=pull-left>\nhttps://cdn.steemitimages.com/DQmemv8x6Gt9TJVBCXSCw4Un2aeXRDZ91f9kYm36nDskcdv/image.png\n</div>\n\n[Long Vuong](https://www.linkedin.com/in/longvuong22/) is an established technology architect in the Asian market, considered to be a crypto celebrity in certain regions. He is the former CEO of CityMe, a consumer app for vendor rating and discount facilitation.\n\nMoreover, L. Vuong acted as a product lead and managed 5 senior engineers to program NEM blockchain as a part of his Ph.D. candidacy in the University of Massachusetts. NEM has a market capitalization just south of $1.6 billion.\nGiven the substantial weight of Mr. Vuong’s persona, we’re going to attribute a separate featured interview about him and how will he contribute to ORCA in further readings.\n\n***\n\n**Amplify Capital backing up ORCA**\n\n[Amplifi Capital](https://amplifi.vc), a blockchain-oriented fund partaking in blockchain-disruptor projects is jumping on board the ORCA express and will act as a strategic contributor to our platform development. Besides monetary support, Amplifi also has competence in helping to foster partnerships and help establish business partnerships.\n\nAmplifi has already backed blockchain projects such as The Key, Matrix Chain, ICON, Red Pulse, Nucleus Vision and others.\n\n***\n\n### Tokenomics and sale update: Gearing up for August 6th\n\nAs you’re well aware right now ORCA is launching it’s token sale on August 6th. After discussing with our strategy advisors and backers, we have revamped our project tokenomics to better follow development plans.\n\n<center>\n![](https://cdn.steemitimages.com/DQmUhwwmTNfA6Ssb8k1DDAPg8zZn5k6kkn2mmHdzjiqEMpA/image.png)\n</center>\n\n**Sale infrastructure update**\n* ICO will be held in two rounds: 1st round (Aug 6th — Aug 12th) & 2nd round (Aug 27th — Sep 6th) \n**20% bonus will be available for people who passed the KYC for the first 48h**. If you haven’t yet — go and finish whitelisting: [www.orcaalliance.eu](https://orcaalliance.eu)\n\n* Accepted currencies: (ETH|BTC|TOMO)\n\n**Token distribution changes: Partner collaboration fund**\nWe’re introducing a new category in our token distribution area to include a partner fund. Tokens reserved for the partner fund will be used to integrate third-party protocols into the ORCA system. As we are building a marketplace for dApps, financial services, and payment terminals, project demands an allocation of ORCA tokens for that specific purpose.\n\n**Updated token allocation structure:**\n3% Bounty\n17% TEAM/Advisors/Founders (Locked for 12 months)\n20% Community Fund \n18% Partners / 3rd-party service integration Fund\n42% Available for purchase ($9,800,000 USD)\n\n<center>\n![](https://cdn.steemitimages.com/DQmWKQtviB5zCGLNhkSN6SRuRmpatFG4PoNkRwZBA3bpwQ3/image.png)\n</center>\n\n**Community fund and user acquisition reward system**\n\n* **20% of ORCA tokens generated are attributed to the community fund**. These tokens will be given away to community members an incentive to join and start using the platform. They will have a referral system to initiate operations themselves and invite their friends to participate too.\n\n* **Congratulate on joining** — receipt of $15 worth of ORCA tokens to start using services listed on the platform, start connecting wallets, exchanges and other financial accounts through API key generation.\n\n* **Bring a friend initiative **— you must already know this. Get a fellow to join the platform and start using it and get yourself a bunch of tokens to be used inside the infrastructure.\n\n* **Community fund tokens will only be functional within ORCA’s ecosystem** and will not be allowed to be withdrawn from the platform.\n\n* **Once used, community fund tokens will be burned** and never brought back to facilitate operations. The aim of the community.\n\n***\n\n**Security update: measures for keeping your accounts, passwords and data safe**\n\nWe all know that security in the crypto space is a topic №1. Therefore, we are giving you an update to showcase what measures does ORCA platform implement in order to protect valuable information.\n\nEven our system architect, CTO anyone else will not have access to your account. The **platform layer is fully-compliant with OWASP** requirements, we encode client API keys through the user’s master password about which we maintain no records.\n\nBad things tend to happen once in a while but we are taking action and thinking even about the worst case scenario. In the unlikely event that **someone steals the database and gets a hold of the master password, there will be no way to decrypt account information** thanks to [AWS CloudHSM](https://aws.amazon.com/cloudhsm/) infrastructure we are utilizing when building the platform.\n\n**To ensure secure logins from the user side, we will employ a 2FA method** and all platform modules will be layered through SSL protocol. All back-end microservices are hidden up and away in a [VPC (Virtual Private Cloud)](https://en.wikipedia.org/wiki/Virtual_private_cloud) making them DDOS and Bruteforce attack-resistant.\n\n**All account data and transaction histories are depersonalized and accessible only after inputting the master password.** If the password is lost, the data cannot be reached, downloaded or retrieved in any other way. It will require a set-up of a new account each time a distracted user loses control or memory of his master password.\n\n<div class=pull-left>\nhttps://cdn.steemitimages.com/DQmd2tCsCmh1CKcdQNa3FxtMbQHFRhK4PfN7V1JFfmsmvDy/image.png\n</div>\n\nFor banking services, user authentications and verification will employ international standards widely approved and used by traditional service providers. One of which is a **fraud activity detection which analyses user data points to find patterns of irregular actions:** uncommon location, frequent payments to new vendors, unidentified supplier, large order values and others  which will immediately trigger security notification alerts.\n\nWhat is more, a failsafe system is being developed as we speak. \nThis auxiliary **safety mechanism system will transition all executed operations to the pipeline and will require additional confirmation** for full activation. This will enable to retract fraudulent/unwanted operations before they are final.\n\n***\n\n### Liquidity protocol for smooth inter-token actions\n\nAs ORCA integrates various third-parties into its dApp store for financial services, the uninterrupted transition between service-native tokens and ORCA tokens is among top priorities.\n\nIn order to save ORCA users from hustling through different exchanges in search of the third party service providers’ tokens, we’ve developed a user-friendly solution — **ORCA liquidity protocol**. This will cure headaches for ORCA users and will allow bypassing the need for how to convert held crypto tokens to ORCAs and back. Our infrastructure will take care of that.\n\n*** \n\nTo sum up, thanks to an **ERC-777 standard**, ORCA token can be used both as a validation and as a utility/payment token. ORCA Token solves both security and user acquisition challenges and acts as a vital part of the platform ecosystem.\n\n**We launch our token sale on August 6th **— head to [www.orcaalliance.eu](https://orcaalliance.eu) to save your bonus. **You must finish the KYC** to successfully whitelist and be eligible for 20% bonus. It will be available only during the first 48 hours of the crowdsale.\n\n<center>\n![](https://cdn.steemitimages.com/DQmZjCArFGd8ombRwsiogKYVvipqDyiGY3TZzE71qd2CYC6/image.png)\n</center>\n\nHave any questions? Engage directly with the team in [ORCA Telegram](https://t.me/ORCAalliance).\n\n[Twitter](https://twitter.com/ORCA_Alliance) | [Facebook](https://www.facebook.com/ORCAAlliance/?ref=aymt_homepage_panel) | [Instagram](https://www.instagram.com/orca_alliance/)| [Reddit](https://www.reddit.com/r/ORCA_Alliance/) | [LinkedIn](https://www.linkedin.com/company/orca_foundation_io/) | [Website](https://orcaalliance.eu) | [Github](https://github.com/orcaalliance/) |",
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      "title": "",
      "body": "It’s nice to see TOMO ecosystem expanding.",
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      "title": "",
      "body": "Hi! I am a robot. I just upvoted you! I found similar content that readers might be interested in:\nhttps://medium.com/cc-connecting-crypto-with-banking/tomochain-and-orca-alliance-shakes-hands-begins-working-together-8bd84e24b933",
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      "author": "vizier",
      "permlink": "tomochain-and-orca-alliance-shake-hands-begin-working-together",
      "title": "Tomochain and ORCA Alliance shake hands, begin working together",
      "body": "[ORCA Alliance](https://orcaalliance.eu/?utm_source=tomochain&utm_medium=july), an Open Banking platform for technology-led personal finance pivots and relocates development plans to [Tomochain](https://tomochain.com). A technologically-advanced blockchain infrastructure fulfills multiple needs that ORCA can utilize during development. [Whitelist NOW](https://orcaalliance.eu) for August 6th.\n\n<center>\n![](https://cdn.steemitimages.com/DQmPWkLPqu8g2TUxP9Fs6Na76wDP6N8K7JXpRvkq9UQ3WwQ/image.png)\n</center>\n\nTomochain’s infrastructure has few-second transaction confirmation times with minimal fees allowing ORCA to benefit from its high throughput system. A key function of ORCA’s token is to act as a vehicle that authenticates transactions between different service terminals through APIs allowing information exchange.\n\nThe circumstances are optimal for the tool ORCA is building. Tomochain’s infrastructure is fully compatible with Ethereum blockchain meaning that all applications developed for Ethereum work perfectly with Tomochain through cross-chain smart contracts. It, therefore, provides access to both ecosystems.\n\nThe users at the same time will be able to enjoy the efficiencies of fast and reliable performance manifested through sending and receiving financial information through the network’s internal gateways.\n\nTomochain is laying the groundwork for the Internet of Value infrastructure to help bring efficiency to the way modern people transfer value — digital money. Tomochain is now approaching its [3-millionth block at an average block time of 2s](https://stats.tomocoin.io).\n\nTomochain has succeeded to raise funding through ICO in spring and has a well-established community of supporters and a seasoned team of versed developers.\n\n*“Tomochain just offers a protocol superior in ways which suit our project precisely. Operations inside our platform will be executed in ORCA tokens. Using Tomochain’s virtually feeless infrastructure we will be able to avoid the problem of paying a fee for a fee. It’s a natural synergy and we’re very excited about this deal.”* — noted [Natan Avidan](https://www.linkedin.com/in/natanavidan/), co-founder, and CEO of ORCA Alliance.\n\nTo celebrate the partnership ORCA is going to be accepting TOMO tokens during their token sale offering an extra 5% bonus as an incentive for contributions made in the partner’s native currency. ORCA Alliance and has attracted investments from various funds such as Amplifi Capital, AlphaChain and Connect Capital in the private sale rounds.\n\n<center>\n![](https://cdn.steemitimages.com/DQmctrgT1syDoBzUxaoPPBJwTj37T2fFk8CcXfRXaR7AvaL/image.png)\n</center>\n\nORCA Alliance is developing an Open Banking platform — a complete ecosystem of digital financial services interacting with each other using API terminals. Due to favorable regulatory developments in Europe, ORCAs application will allow implementing bank accounts, software wallets, cryptocurrency exchanges and other financial services into a unifying biosphere for the ultimate convenience.\n\n**Ensuring connection: L. Vuong, co-founder of NEM blockchain and CEO of Tomochain joins ORCA Alliance for an advisory role**\n\n[Long Vuong](https://www.linkedin.com/in/longvuong22/) is an established technology architect in the Asian market, considered to be a crypto celebrity in certain regions. He is the former CEO of a consumer app for vendor rating and discount facilitation and one of NEM’s founding fathers as he acted as the project lead of the [NEM blockchain](https://nem.io) in the early days as a part of his Ph.D. candidacy in the University of Massachusetts in 2014. NEM has a market capitalization just south of $1.6 billion.\n\nLong Vuong shared: *“I think ORCA Alliance is one of the best crypto projects out of Europe in recent months. The beta product is really promising, and users can easily transfer money from crypto to bank account/ debit to fund purchases in just seconds. Integration with Tomochain will make the conversion speed even faster and an overall experience seamless. I am very excited to work with Natan, CEO of Orca Alliance, and his talented team, to open a new area of personal finance to millions of users worldwide”.*\n\n<center>\n![](https://cdn.steemitimages.com/DQmXmvyBpHTm1MRfEgg945GeEfReUvFkpjXzoY8SsQGmYoQ/image.png)\n</center>\n\nLong’s invaluable experience and area-specific expertise help guide ORCA on the way to platform deployment. It’s a big credibility boost allowing ORCA Alliance to enjoy a plethora of benefits brought about Tomochain’s first-rate system and get knowledgeable insights from an experienced technologist and product manager.\n\n***\n\nORCA Alliance is whitelisting for the ICO starting on the 6th of August. 20% currently live for registrants who fulfill KYC. Subscribe for the ICO at [www.orcaalliance.eu](https://orcaalliance.eu)\n\n[Twitter](https://twitter.com/ORCA_Alliance) | [Facebook](https://www.facebook.com/ORCAAlliance/?ref=aymt_homepage_panel) | [Instagram](https://www.instagram.com/orca_alliance/)| [Reddit](https://www.reddit.com/r/ORCA_Alliance/) | [LinkedIn](https://www.linkedin.com/company/orca_foundation_io/) | [Website](https://orcaalliance.eu) | [Github](https://github.com/orcaalliance/) |",
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      "title": "Managing your hard-earned money: Leading a financially-responsible lifestyle",
      "body": "@@ -2784,16 +2784,17 @@\n  of the \n+%5B\n philosop\n@@ -2812,16 +2812,152 @@\n  Simpson\n+%5D(https://www.independent.co.uk/arts-entertainment/tv/news/the-simpsons-university-of-glasgow-philosophy-of-homer-simpson-a7420726.html)\n . Also, \n",
      "json_metadata": "{\"tags\":[\"cryptocurrency\",\"finance\",\"money\",\"fintech\",\"innovation\"],\"image\":[\"https://cdn.steemitimages.com/DQmRrvmx9DRdbF4BzCuDUwZ3BsNzdfo2QkRbG13ZQd2EuZP/image.png\",\"https://cdn.steemitimages.com/DQmT73r1FPqs7C8RBoW8EvZe1ZVdRms6d7P6HzEjUVvmxUU/image.png\",\"https://cdn.steemitimages.com/DQmTcWfCL3JZeiqvv7dBfb1iG1DJpavWKwSMWJgKfgLGVoU/image.png\",\"https://cdn.steemitimages.com/DQmZHKTLcKUisxGfzAoZeAYKgZrhpighoNk35Q9LYWh3oc3/image.png\",\"https://cdn.steemitimages.com/DQmSi4ZhRGEKfmjwdHV67PAp2HGmmWPwGSrmrL6wUFj7tXw/image.png\"],\"links\":[\"https://orcaalliance.eu\",\"https://orcaalliance.eu/docs/ORCA_AI.pdf\",\"https://medium.com/cc-connecting-crypto-with-banking/managing-your-hard-earned-money-5-tips-to-help-reach-financial-independence-f3dcaac58c4b\",\"https://www.1843magazine.com/data-graphic/what-the-numbers-say/art-v-stocks\",\"https://www.trustedchoice.com/insurance-articles/wheels-wings-motors/car-depreciation/\",\"https://www.independent.co.uk/arts-entertainment/tv/news/the-simpsons-university-of-glasgow-philosophy-of-homer-simpson-a7420726.html\",\"https://www.cnbc.com/2018/01/19/why-you-should-keep-old-credit-card-accounts-open.html\",\"https://www.investopedia.com/terms/l/lifestyle-inflation.asp\",\"https://www.economist.com/international/2016/02/04/ill-sleep-when-im-dead\",\"https://twitter.com/ORCA_Alliance\",\"https://www.facebook.com/ORCAAlliance/?ref=aymt_homepage_panel\",\"https://www.instagram.com/orca_alliance/\",\"https://www.reddit.com/r/ORCA_Alliance/\",\"https://www.linkedin.com/company/orca_foundation_io/\",\"https://github.com/orcaalliance/\"],\"app\":\"steemit/0.1\",\"format\":\"markdown\"}"
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      "permlink": "cheetah-re-viziermanaging-your-hard-earned-money-leading-a-financially-responsible-lifestyle",
      "title": "",
      "body": "Hi! I am a robot. I just upvoted you! I found similar content that readers might be interested in:\nhttps://hackernoon.com/managing-your-hard-earned-money-leading-a-financially-responsible-lifestyle-97e8cb471cfc",
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      "title": "Managing your hard-earned money: Leading a financially-responsible lifestyle",
      "body": "<center>\n![](https://cdn.steemitimages.com/DQmRrvmx9DRdbF4BzCuDUwZ3BsNzdfo2QkRbG13ZQd2EuZP/image.png)\n</center> \n\n[ORCA Alliance](https://orcaalliance.eu) continues on the path to helping with tips how to effectively keep track, manage and improve savings without making significant shifts in behaviour. It’s just a hint about what our [Smart AI will automatically offer platform users.](https://orcaalliance.eu/docs/ORCA_AI.pdf) Once the platform is running, ORCA users will have the ability to define their financial goals and have machine learning algorithms ping with notifications once a strategic decision is required.\n\nOn our last publication, we have heard the key principles of managing personal finances.\n\n[**Find previous article discussing tips for personal finance management.**](https://medium.com/cc-connecting-crypto-with-banking/managing-your-hard-earned-money-5-tips-to-help-reach-financial-independence-f3dcaac58c4b) \n\nThis time, we’re tuning our speakers to a set of lifestyle tips for the financially-responsible. Glamorous, ugly, frugal and expensive — we’ll cover the most overlooked aspects of it. Buckle up for the bumpy, yet money-saving road.\n\n**Choose show-off toys that appreciate value**\n\nThere’s no shame in admitting that once in a while you want a taste of that luxurious life. But if you’re going to spend it on the bling, go for the one that makes the most financial sense.\n\nArt can be a [very good investment](https://www.1843magazine.com/data-graphic/what-the-numbers-say/art-v-stocks), if you have the money. Art Market Research Developments has showed that beating the S&P 500, can be a mere joke for some art categories, which soared up to 9 times faster than the famous index in the past ten years.\n\nAlso, spending your extra on Vintage collectibles, first edition modern books, whiskey, or Japanese motorcycle can all amount to a great investment and a pleasure.\n\nSplurging out on a new car every couple of years, however, is a particularly wasteful dream. This is hugely because of something called [“Car Depreciation”](https://www.trustedchoice.com/insurance-articles/wheels-wings-motors/car-depreciation/) — most new cars lose up to 50% of their value after the first three years of use. In reality, your best financial bet is to purchase a used vehicle from a private owner.\n\n<center>\n![](https://cdn.steemitimages.com/DQmT73r1FPqs7C8RBoW8EvZe1ZVdRms6d7P6HzEjUVvmxUU/image.png)\n</center> \n\n**Don’t be afraid of debt**\n\nNot all debt is out to get you. Debt is reasonable whenever it is used invest in something of increasing value. Thus, taking on obligations makes perfect sense when starting a business or expanding the current one. Student loan also can be a form of good debt — provided your degree does not revolve around the studies of the philosophy of Homer Simpson. Also, it’s unlikely you’re ever going to sponge up enough cash to buy a home in a reasonable time-frame without a mortgage.\n\nBut do remember to keep a healthy debt-to-credit ratio, to not let your credit score slip too far. Otherwise better sleep with one eye open.\n\n<center>\n![](https://cdn.steemitimages.com/DQmTcWfCL3JZeiqvv7dBfb1iG1DJpavWKwSMWJgKfgLGVoU/image.png)\n</center>\n\n**Manage your banking expenses**\n\nA common mistake of a frugal lifestyle: Don’t pay the minimum on your credit card bill. Temporary month-long relief comes at a high price. Prolonged duration means that paying minimum each month will result in maximum interest charged.\n\n<div class=pull-left>\nhttps://cdn.steemitimages.com/DQmZHKTLcKUisxGfzAoZeAYKgZrhpighoNk35Q9LYWh3oc3/image.png\n</div>\n\nKeep your credit score high by paying your bills on time — you never know when you’ll need to take out a loan. Length of credit history matters as well. Up your score by keeping a credit line open for as long as possible. [Don’t close the credit card](https://www.cnbc.com/2018/01/19/why-you-should-keep-old-credit-card-accounts-open.html) if you’ve paid it off. Your credit score is higher if you have a mix of accounts on your credit report.\n\nAlso, consider using FinTech (Financial Technology) provided services to cut down on the banking expenses. Keenly prices foreign exchanges, cash transfer and peer-to-peer lending services are all on offer at reduces rates. Smart apps can help you keep a track of your spending and even allows you to swing crypto, if you wish to do so.\n\n**Don’t scale up your condo too quickly**\n\nYour current living conditions might not be great, but they are, after all, manageable. It’s important to recognize that whenever you get a raise or that new job with bloated salary, you don’t need to go out and spend the difference. A fancier apartment, new car, expensive gadgets or any other life upgrades require serious thought. \n \n Succumbing to this temptation, however, is so common that it even has a name — [“lifestyle inflation”.](https://www.investopedia.com/terms/l/lifestyle-inflation.asp) Don’t get it wrong, it’s okay to move up, but consider adding extra to your long-term savings first. Most likely you were “Okay” living on a smaller budget either way.\n\n**Guard your health and time**\n\nAt the end of the day, it all winds down to what portion of your life you’re willing to dedicate to money-earning. Theoretically, anyone can be a millionaire in a lifetime; requirements only amount to radical diligence and a minimum-paying job with overtime and night shift bonuses. Of course, not only is this kind of lifestyle going to [damage your health](https://www.economist.com/international/2016/02/04/ill-sleep-when-im-dead), it is by no means the standard you should set for yourself.\n\n**Finally**\n\nAs important as it is to learn to manage personal finances, there’s no need to restrain yourself from occasional guilt-free spending. If you’ve put the money away for an emergency fund, continue to make payments into your retirement, and don’t have any outstanding credit card debt, make sure to spice up your day.\n\nRemember, it’s not wise to lead a frugal lifestyle just for the sake of saving money — saving, prioritizing and managing is only justified if there’s a reward behind it. As cliché as it sounds, the goal is to spend more on what you value.\n\nORCA Alliance token sale starts on August 6th. Do not miss the chance and lock your extra bonus NOW. Visit [www.orcaalliance.eu](https://orcaalliance.eu) to whitenlist.\n\n<center>\n![](https://cdn.steemitimages.com/DQmSi4ZhRGEKfmjwdHV67PAp2HGmmWPwGSrmrL6wUFj7tXw/image.png)\n</center>\n\n[Twitter](https://twitter.com/ORCA_Alliance) | [Facebook](https://www.facebook.com/ORCAAlliance/?ref=aymt_homepage_panel) | [Instagram](https://www.instagram.com/orca_alliance/)| [Reddit](https://www.reddit.com/r/ORCA_Alliance/) | [LinkedIn](https://www.linkedin.com/company/orca_foundation_io/) | [Website](https://orcaalliance.eu) | [Github](https://github.com/orcaalliance/) |",
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      "title": "",
      "body": "very informative.. good post",
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      "author": "vizier",
      "permlink": "managing-your-hard-earned-money-5-tips-to-help-reach-financial-independence",
      "title": "Managing your hard-earned money: 5 tips to help reach financial independence.",
      "body": "<center>\n![](https://cdn.steemitimages.com/DQmUDpyCpZ1TwyCtqKHA2pLvsESwZSB7sMLV4xS5XnuLKFq/image.png)\n</center>\n\nThere you are again, working diligently until your next paycheck only to realize that you’re no better off than last month. You’ll still splurge out without a thought once you get it and you’ll barely scratch together enough pennies to cope before the next one. You can surely do better.\nThe following 5 tips will give a fair overview of what really matters in personal finance management and how to break out of this vicious circle.\n\n*ORCA ICO is inevitably approaching. Visit [www.orcaalliance.eu](https://orcaalliance.eu) to join the queue. And book August 6th for the big day. Set a reminder, circle your calendar. SAVE THE DATE.*\n\n## **Take care of the obvious**\nBefore you start looking into which saving accounts to open or stocks to invest into, make sure you've got the basics covered. Ignorance of the little things ends in needless loss of your hard-earned money. \n\nMake it your style to read all the contracts before signing your name on the dotted line and periodically review credit card statements for erroneous charges, fraud and identity theft.\n\nOpen bills as soon as you receive them, don’t overspend on gifts, properly maintain your car, property and take good care of your belongings. In addition, practice the fine art of self-control. Even though you can easily purchase an item on credit right now, it's far better save up the money in advance than pay interest.\n\n<center>\n![](https://cdn.steemitimages.com/DQmcikjEteaVjXi7Aw1mEQHDJ4DWE8huNu5ncRdsHx4i7N9/image.png)\n</center> \n\n## **Monitor where your money goes**\nYou’ve heard this advice before: [keep a spending budget.](https://www.themuse.com/advice/how-to-deal-living-on-a-budget) It works, because it awakens you from the ignorance of your financial situation. Monitoring and managing your small, everyday expenses can go a long way in improving your financial situation - it may even amount to a small raise.\n\nIn some cases, just kicking bad habits can save you a fortune. Stay away from cigarettes and the [Stupid Tax](https://guce.oath.com/collectConsent?brandType=nonEu&.done=https%3A%2F%2Fwww.huffingtonpost.com%2Fmax-galka%2Fthe-lottery-is-a-tax-an-i_b_8081192.html%3Fguccounter%3D2&sessionId=3_cc-session_317b7cdc-b579-4aeb-a3c2-6100eb366844&lang=en-US&inline=false), otherwise known as lottery. Crucially, try not to carry easily spendable loose change in your pockets and don’t cover up your temporary financial shortfalls with high-interest payday loans.\n\nIt is also vitally important, that you [set aside money for an emergency fund](https://www.cnbc.com/2018/01/18/few-americans-have-enough-savings-to-cover-a-1000-emergency.html). Not only will the extra money help you rest more easily at night, it will also make sure that an unexpected injury or eviction from your rented apartment doesn't wreak havoc with next month’s finances. Just be sure to resist the urge to spend it on non-emergencies.\n\n## **Take control**\nLearn to manage your money, or other’s will find ways to mis-manage it for you. Commission-based financial planners will try to discombobulate you with fancy financial jargon and push you into expensive options, which pay them when you sign up with the investments his or her company backs.\n\nPersonal finance knowledge will go a long way. Learn about interests and mortgage options. Pay attention to mortgage interest rates — even after a home purchase. If you don’t, you might miss opportunities to refinance your obligation, which could save you thousands over the lifespan of the loan. \n\nFurthermore, use common sense. If you find yourself entangled in multiple debt obligations, repay the highest interest loan first. If you’re saving, don't just stuff money into your pillow - put it in a high-interest online savings account. Else, inflation will chip away the value of your savings.\n\n\n## **Save for retirement**\nIf you reach the age of 65 in the OECD, you can expect, on average, to live for another 19 years. With [low fertility rates](http://ec.europa.eu/eurostat/statistics-explained/index.php/Fertility_statistics) and pay-as-you-go pension systems commonplace in most countries, you can be sure that your pension fund will experience even more severe strains in the future as there simply won’t be enough working-age adults by the time you’re in your dotage. \n\n<center>\n![](https://cdn.steemitimages.com/DQmb3oMyHj7YuAhiByyeA3wAtV4WoeQ144hzMLoCiDpYTBj/image.png)\n</center>\n\nIn an [era of high old-age dependency ratio](https://www.economist.com/special-report/2017/07/06/getting-to-grips-with-longevity), the only rational thing to do is to save privately - the earlier you start the better. Compound interest rates are wonderful when they are on your side. \n\nLet us assume a return of 4% a year on our pension plan. That means our savings in 18 years will double, quadruple in 36 and after 54 we’ll have eight times more than what we started with. Let’s say you have a specific sum in mind for your retirement. That means that if you start saving at 20, you need to contribute only half as much money a month, than if you were to start at 30. That’s the power of compound interest rates.\n\n## **Guard your hard-earned money**\nTo keep your hard-earned pennies from vanishing, you’ll need to take steps to protect them. Insure your property from the unfortunate events of fire and burglary. If you need help managing your money, find a fee-only financial planner to provide unbiased advice that's in your best interest.\n\nYou'll also want to protect your money from taxes (which can be limited with a retirement account) and inflation (which can be compensated for with high-interest savings accounts, stocks, bonds, and mutual funds).\n\n## **And if you only take away one thing**\nEveryone is fully capable of responsibly managing their finances.\n\nDon’t spend your free time in a second job, working [unsocial-hours](https://www.weforum.org/agenda/2018/02/working-nights-is-far-worse-for-your-health-than-you-probably-thought/) or overtime just for the extra income. Strive to do better with the pay you already bring home by actively managing your personal finances.\n\n\nAll this and much more will be available on ORCA platform in one year’s time. The platform will be built on top of base layer PYGMY each new release adding new functions and features. Subscribe and enlist for ORCA tokensale on [www.orcaalliance.eu.](https://orcaalliance.eu)\n\nDo not miss the opportunity to become a part of the future. \n\n[Twitter](https://twitter.com/ORCA_Alliance) | [Facebook](https://www.facebook.com/ORCAAlliance/?ref=aymt_homepage_panel) | [Instagram](https://www.instagram.com/orca_alliance/)| [Reddit](https://www.reddit.com/r/ORCA_Alliance/) | [LinkedIn](https://www.linkedin.com/company/orca_foundation_io/) | [Website](https://orcaalliance.eu) | [Github](https://github.com/orcaalliance/) |",
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      "body": "Good post \n\nPosted using [Partiko Android](https://play.google.com/store/apps/details?id=io.partiko.android)",
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      "parent_permlink": "cryptocurrency",
      "author": "vizier",
      "permlink": "why-crypto-is-not-massive-yet",
      "title": "Why Crypto is Not Massive yet?",
      "body": "While there is no doubt that massive disruption is taking place in the financial industry, the crypto industry is yet to see widespread adoption - apart from as a means to speculate. With numerous blockchain platforms now in operation, and thousands more being developed, what is holding end users back? \n\n![ORCA_08.JPG](https://cdn.steemitimages.com/DQmRQxsp7Q1M7q5hKagnEg7tEKkboVEYqDSmrMRvDLjnHri/ORCA_08.JPG)\n\nEstimating the number of people using cryptocurrencies is not easy. But we can be reasonably sure that the overall penetration is less than 0.5% of the global population. And even those that hold at least some crypto assets, are not actively using them in their day to day lives. Steem is probably the most widely used platform that is built on a blockchain. It has around [57,000 active daily users](https://steemit.com/steemit/@penguinpablo/daily-steem-stats-report-thursday-june-21-2018) which is impressive when compared to almost every other blockchain platform, but still only represents a fraction of cryptocurrency users.\n\nTo see widespread adoption, we will need to see the number of people using cryptocurrencies grow, and we will need to see those using them doing so more often. \n\nThe early adopters have been those involved in the tech industry and active traders and investors. For both groups, getting involved in crypto wasn’t a big step. However, mass adoption, would mean people with no interest in the technology or investment potential of cryptocurrencies would be using them because they make their life easier by allowing them to transact cheaper and faster. \n\n<div class=pull-left>\nhttps://cdn.steemitimages.com/DQmfJAYYgBqw4WyYNA9SbgQuQC2y3YE3Rq2LcEMCrE9wefF/rock%20paper%20scissors.gif\n</div>\n\nIn ORCA [white paper](https://orcaalliance.eu/docs/ORCA_WP_V3.pdf), we identified three primary hurdles to widespread adoption, namely; an uncertain regulatory environment, lack of knowledge amongst the wider population, and concerns about consumer safety. Right now, for most of the world’s population the benefit is not yet obvious and the uncertainty, lack of knowledge and perceived lack of safety are a big obstacle.\n\nAn [excerpt](https://www.investinblockchain.com/4-keys-mass-adoption-bitcoin/) from *The Layman’s Guide to Bitcoin* by Logan Brutsche, identifies four keys to mass adoption of Bitcoin. While the article is specifically about Bitcoin, the ideas are relevant to the entire crypto space. \n\nThe four keys identified are; support from a big player like Mcdonalds, WalMart or Amazon, adoption by unbanked individuals, collapse of the global economic system and the emergence of a “Killer App”.\n\nOf these four keys, the first three are to a large degree beyond the control of teams building crypto platforms. Their only option is to attempt to build a killer application. If an application built on a blockchain was as addictive and viral as Facebook or YouTube, we would quickly see hundreds of millions of people using cryptocurrencies, or at the very least blockchain technology. With all the platforms being developed, it’s inevitable that something like this will eventually happen, though its impossible to say how soon.\n\nBut, there is another path toward a killer application. If an app like [Orca platform](https://orcaalliance.eu) can integrate cryptocurrencies with services people are already using daily, the benefit to users may be more obvious. If the app also made it really easy to begin incorporating cryptocurrencies into daily transactions, the move from fiat to a combination of fiat and crypto would be painless. And, by incorporating both fiat and crypto, it would not require a major commitment on the user’s part. \n\nPeople use banking and other financial services more than any other services. While blockchain technology has applications across almost every industry, it would make sense for mass adoption to initially occur in the industry where the highest number of transactions occur.\n\nIn the financial services industry it’s well known that financial assets are very “sticky.”  When a customer has accounts or investments with a particular financial institution, they are likely to stay there. Customers will often pay higher fees, or accept subpar service rather than face the hassle of moving accounts from one bank or institution to another.\n\nBut that’s all about to change. The new European Payment Directive mandates banks to open their APIs to third party providers. This means that customers can give fintech companies access to their account information and buy services from third party providers without going through the hassle of moving all their accounts.\n\nOpen banking is now a reality, and fintech companies are no longer facing the barriers to entry that have been holding them back. They are now in a position to offer immediate benefits to anyone with a bank account, by providing services that are easier to use, faster and cheaper. And this means crypto’s killer app is very likely to emerge from this sector.\n\n[Natan Avidan,](https://www.linkedin.com/in/natanavidan/) CEO of ORCA Alliance\n\n***\n\n[Twitter](https://twitter.com/ORCA_Alliance) | [Facebook](https://www.facebook.com/ORCAAlliance/?ref=aymt_homepage_panel) | [Instagram](https://www.instagram.com/orca_alliance/)| [Reddit](https://www.reddit.com/r/ORCA_Alliance/) | [LinkedIn](https://www.linkedin.com/company/orca_foundation_io/) | [Website](https://orcaalliance.eu) | [Github](https://github.com/orcaalliance/) |",
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      "title": "ORCA’s PYGMY release brings the TRUE crypto portfolio tracker tool",
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      "permlink": "orca-s-pygmy-release-brings-the-true-crypto-portfolio-tracker-tool",
      "title": "ORCA’s PYGMY release brings the TRUE crypto portfolio tracker tool",
      "body": "ORCA’s rolling out with a seismic shift and putting forward the opening act for their upcoming Open Banking platform by releasing a tool to track crypto assets – ORCA PYGMY. The major difference between PYGMY and other tracker tools found on app stores and websites around the web, is the auto-update function. PYGMY will be free of charge and accessible for everyone. \n\n![photo_2018-07-10_14-19-30.jpg](https://cdn.steemitimages.com/DQmPgPiFnFmrUqXvbfCr1PpH3h86SpdoSyTVvbDAJswFERs/photo_2018-07-10_14-19-30.jpg)\n\n<center> [SUBSCRIBE HERE]( https://orcasurvey.typeform.com/to/ZC3V7F) </center> \n\nThe framework is rather simple: user connects one’s cryptocurrency exchange accounts to PYGMY by allowing API access. Once connection is approved, the read-only tool will be able to track your crypto assets held on accounts linked to PYGMY. \n\nEven when users will liquidate part of their assets or invest into other coins – the values and portfolio structure will be automatically updated and reflected in PYGMY dashboard. Users will no longer have to input trades manually saving them loads of time and nerve cells. \n\n*“I know how much benefit it will bring to the crypto crowd. I have a few accounts here and there but monitoring asset values proves somewhat challenging. There are no useful tools out there. Up until now that is.”* , - [Natan Avidan](https://www.linkedin.com/in/natanavidan/), the CEO of ORCA Alliance.\n\nThe usefulness of ORCA’s tool improves many-fold with each connected account. Today active crypto traders often face frustration trying to get a sense of their true exposure while maintaining active accounts on several, at times even dozen cryptocurrency exchanges. From now on, they will be able to effortlessly keep track of their crypto assets. Instant real-time feed just a few clicks away, everyday, 24/7/365. ORCA PYGMY version will support top 20 cryptocurrency exchanges as the basic layer of functionality.\n\n*“Building something new is always exciting. The initial release is sensitive though, you always want everything to work perfectly. Experience says it rarely happens. That’s why we’re developing ORCA platform through a 5-phase roadmap – so we can iterate, improve and pivot in between to build something that’s useful.“* - commented ORCA’s System Architecht, former GetJar developer [Sigitas Saulevičius.](https://www.linkedin.com/in/sigitas-saulevičius-4b807a40/) \n\nDespite having uninterrupted portfolio tracking, PYGMY will list users assets by cryptocurrency, quantities held and give the overall value of all connected currencies. \n\nPYGMY is being authenticated and verified by internal testing by the team, friends and family as the closed pre-alpha since last week. After it’s confirmed that no major bugs are remaining in the software, PYGMY will be released to the general public. \n\nAll interested parties are welcome to subscribe to be the first ones trying out ORCA PYGMY: https://orcasurvey.typeform.com/to/ZC3V7F \n\nPermissions to start using ORCA PYGMY will be issued in bulks not to overcrowd the system and ensure smooth user experience.\n\n### **PYGMY Evolution to BlackFish: Worth the Wait**\n\n\n2nd evolution of ORCA, BlackFish is hitting the digital shelves in September and will add advanced functionality on PYGMY tracker layer. It will offer not only the tracking financial position in real-time over multiple exchanges but also allow to initiate transactions for connected accounts directly through ORCA dashboard – the necessity to log in to different exchanges every time you want to execute a trade will be obsolete. But that’s not all. \n\nBlackFish will start integrating digital wallets into the system so coin bags which are stored outside of cryptocurrency exchanges are included into equation. \n\nWithout giving much detail ORCA has subtly released some spoilers of what features will be added on in ORCA BlackFish. The team disclosed that they’re putting a lot of effort into developing function for instant inter-exchange rate comparison for arbitrage trading. \n\nAlso users can expect intensified measures and protocol advancements to ensure platform’s security. ORCA’s team has come up with a proprietary solution which guarantees that ORCA itself does not have access to client passwords and account data removing the risk of unauthorized activity through user profiles. \n\nFront-end team is said to be working on a convenient ‘Drag & Drop’ interface allowing easy usage for Orcans (that’s the slang name used for ORCA supporters) and an instant liquidation button bringing up the option to convert all crypto assets to a selected fiat currency through a single click. \n\nContrary to PYGMY which will offer completely unrestricted access, BlackFish version will only be available to token holders – registrants will have to prove ownership by linking a wallet with a positive ORCA token balance to fully enjoy the benefits of the platform. The only way to acquire them is to participate in the ICO happening in August. ORCA whitelist is [available here.](https://orcaalliance.eu)  \n\n<div class=pull-left> \nhttps://imgur.com/ocFxmzS.gif\n</div> \n\nORCA is determined to maintain course of solving headaches for cryptocurrency users. First ORCA showcased their technology prototype allowing to withdraw cryptocurrencies from an exchange directly to user bank account in the matter of 6 seconds and now is entering the crypto market by offering the complete portfolio tracker tool. ORCA PYGMY will  serve as the base layer for a 5-stage development process until the final release of ORCA running version Killer Whale in the summer of 2019. \n\nORCA Alliance is supporting European Union’s decision to decentralize financial services throigh development often referred as Open Banking. The project aims to place cryptocurrency wallets and exchanges next to traditional bank accounts for a convenient all-in-one display. Connecting user accounts via APIs gives real-time access to a whole range of financial services without compromising security. Every transaction on the platform has to be validated by ORCA tokens granting them a distinct token use-case. \n\n[Twitter](https://twitter.com/ORCA_Alliance) | [Facebook](https://www.facebook.com/ORCAAlliance/?ref=aymt_homepage_panel) | [Instagram](https://www.instagram.com/orca_alliance/)| [Reddit](https://www.reddit.com/r/ORCA_Alliance/) | [LinkedIn](https://www.linkedin.com/company/orca_foundation_io/) | [Website](https://orcaalliance.eu) | [Github](https://github.com/orcaalliance/) |",
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      "parent_permlink": "finance",
      "author": "vizier",
      "permlink": "future-of-finance-the-synthesis-of-traditional-banking-and-crypto",
      "title": "Future of finance: the synthesis of traditional banking and crypto",
      "body": "When thinking about the future, people usually tend to think in a binary way — either it will be good or awful. Or that some things will remain stagnant while other will experience huge changes. But the future is usually not like that — it’s usually a complex synthesis of the Old and the New.\n\nThe future of finance is probably not the most attractive topic in most parties, but it’s a topic that holds significant interest for us here at ORCA Alliance. We are all about bridging gaps — between the technology and the user, between traditional currencies and crypto, and especially between the now and the future.\n\nHow will the future turn out? No one can be sure, but we believe the connection between traditional banking and innovations coming out of the crypto world will be one of the main elements.\n\n![](https://cdn.steemitimages.com/DQmQ352fGczXLewKWd6TkZhePfez61Xsh9x4aDEb8kj2Pni/image.png)\nConnecting these two will be hard, but definitely worth the sparkles. A scene from “Back to the Future” (1985)\n\n### Tradition\n\nBanks have been around since anyone can remember. In a way they seem ancient, coming from an age way before the Internet — so from a very long time ago. But, on the other hand, they seem timeless. Technologies advance, people change, but banks are always here and now, participating in our daily financial interactions. Sure, individual banks constantly fail, but the idea of having a bank doesn’t go away.\n\nThe reason for this is because banks are important — they help us manage our daily finances, save up for the future or issue much-needed loans. Banks are the most traditional way of managing personal finance and form an essential part of modern life. Currently, the importance of “being banked” (using a bank or a similar financial institution) is so high, that financial inclusion [has been named](http://www.worldbank.org/en/topic/financialinclusion/overview) as one of the key enablers of prosperity.\n\nBanks as institutions probably won’t go away anytime soon — they are just too useful. But at the same time there are many new things up on the horizon that — as many foresee — have the potential to transform the practice of banking as we know it.\n\n### Innovation\n“Innovation” is one of those words that seems to be everywhere these days. And with good reason — innovations, especially the digital ones, are at the core of our current economies. The financial services we use are constantly becoming more intelligent, efficient and user-friendly. And all these thanks to innovations moving us forward.\n\nThere are many technological advancements that are currently reshaping finance — Artificial Intelligence, Big Data, Open APIs, Blockchain or Peer-to-Peer (P2P) technologies, just to name a few. But arguably the most disruptive one of them all is Cryptocurrencies.\n\nCryptocurrencies hold immense potential to transform how financial services are done. From cheap, near instant transactions across borders to increased security, reliability and flexibility. At least for now the potential seems limitless. Even the International Monetary Fund — one of the world’s most important financial authorities — recently [reaffirmed its positive attitude](https://www.imf.org/external/pubs/ft/fandd/2018/06/central-bank-monetary-policy-and-cryptocurrencies/he.pdf) towards the concept of cryptocurrencies.\n\nHowever, for the ordinary consumer cryptocurrencies are still far away from their regular lives. The learning curve is still too steep, the utility is too limited and the credibility might be too low. Many advances are still needed — especially those on the user side — for cryptocurrencies to ignite a truly disruptive change in our financial habits. But with the current rate of financial innovations, it looks like only a matter of time.\n\n<div class=pull-left>\nhttps://cdn.steemitimages.com/DQmV9HJ7Cnj99f2TQs9oGBcoyr7zSAoefPW8mWVJv2Puswg/image.png\n</div>\n\n### Tension\nThe rapid growth of digital innovations over the past decade has created clearly observable tensions between traditional banking and the FinTech industry.\n\nInnovations that build upon the existing banking infrastructure or work within the acceptable boundaries — like artificial intelligence or private blockchains — are usually eagerly accepted by the current financial establishment. And on the contrary — innovations that threaten the current paradigm are often times received with outright resistance. Up to this day many top officials from leading banks around the world express scepticism towards technologies such as cryptocurrencies, usually by focusing on the risks and downplaying the benefits.\n\nMeanwhile, there are many startups that hold confrontational views towards traditional financial institutions. Ideals of disruption are ripe and aspirations of total financial market rearrangement are high. The recent booms in the cryptocurrency markets are fuelling these ambitions even further, stimulating a whole host of various financial service providers appearing almost every month.\n\nIn many ways this current tension between traditional banking and newly emerging technologies is a natural outcome of rising competitiveness and unease of operating in increasingly dynamic markets. But, as history has repeatedly shown us when tradition and innovation clashes often time it’s not one of them rising above, but a mixture of both — bits of something Old enhanced and transformed with elements of something New.\n\n### Synthesis\nWhy should there be a divide between traditional banking and the crypto world? There shouldn’t be one.\n\nFrom the point of view of an ordinary customer, the current divide in the financial industry appears quite artificial. If you’re a customer, you usually don’t (and shouldn’t be expected to) care about the technical background of the service you are using. You just want services to be reliable, fast, cheap and easy-to-use — preferably all of the aforementioned at the same time.\n\nTraditional banking and cryptocurrencies do not need to be at odds — the customer will always make the most suitable choice according to the particular situation. Paying for groceries with traditional currencies or crypto? Probably the traditional ones held in a bank account will do. Making an international transfer? Cryptocurrencies will probably perform better. Want to save up for an important purchase but don’t know which type of currencies would be best for that? Too complicated, let AI make a suggestion on what’s the most efficient way to do so.\n\nThe real power is at the hands of the customer, who can make or break both traditional banks or FinTech startups. And with competition growing, many cooperations and crossovers are to be expected to appease the ever-growing demand for convenience from customers.\n\n<div class=pull-left>\nhttps://cdn.steemitimages.com/DQmbJRx8USZtRpw3uod4UhoEHBavChgghtcMkmWEUccNHGR/image.png\n</div>\n\n### Future\nSo how will the future of finance look like? In many ways it will be similar to how it is now — banks will remain banks doing what banks usually do. The same with startups, constantly on the lookout for exciting technologies and new market opportunities. However, boundaries between the two will become increasingly blurred to a point where — for the ordinary customer — they will become irrelevant.\n\n**Seamless interaction between traditional banking and the crypto world **— this is the future of finance. And that’s why achieving seamless interaction is on the top of the ORCA Alliance agenda. By connecting traditional bank accounts with cryptocurrency wallets and relevant service providers, ORCA will lay a bridge for easy crossovers between tradition and innovation, between the now and the future.\n\nLearn more about the future of finance at https://orcaalliance.eu/",
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