MIT & Elliptic Inspects 200k Bitcoin Transactions; Only 2% ...

Bitcoin 2: Freedom of Transaction

Bitcoin 2: Freedom of Transaction submitted by Sid_Angeles to Bitcoin [link] [comments]

Bitcoin 2: Freedom of Transaction

Bitcoin 2: Freedom of Transaction submitted by mrschtief to Bitcoin [link] [comments]

XMR Atomic Swaps Now Support PART | Anonymous Decentralized Marketplace Integration Coming Soon

XMR Atomic Swaps Now Support PART | Anonymous Decentralized Marketplace Integration Coming Soon
Hey guys,
Cryptoguard from Particl here. We're happy to announce that we've recently added PART atomic swap support to the xmr-btc-atomic-swap protocol on mainnet and have pushed the protocol on Particl's Github.
The ability to atomically swap XMR <> PART opens up a lot of doors for the advancement of anonymous eCommerce solutions and solidifies the sustainability and resiliency of decentralized marketplaces, a strong win for all proponents of free market, personal freedom, and self-determination.
For those not aware of Particl, it is Bitcoin-based blockchain (currently 0.19.1.1, about to release 0.20) with a native currency (PART) that has a variable level of privacy (public, blind (CT), and anon (RingCT)).
We've built a completely decentralized, trustless, and unstoppable marketplace where you can buy and sell anything online without using any third-party, without paying any fee (other than regular crypto transactions), and without leaving any sort of digital footprint behind. The entire marketplace experience, just like its transactions/sales, is private by default thanks to a combination of CT, RingCT, stealth addresses, Tor, SecureMessaging/BitMessage, and etc. The marketplace has been on mainnet for a year now, as an open Beta, and we're about to push our biggest update since launch—a brand new desktop application as well as a completely refactored marketplace. This will dramatically improve the user experience and the performance, making the private decentralized marketplace as user-friendly as it's ever been.
We now plan on adding native XMR <> PART swap support into the desktop client and marketplace application, allowing anyone holding XMR to easily buy and sell anything on a decentralized marketplace that respects your privacy. It also ensures that you can now get in and out of Particl's ecosystem without having to go through any third-party such as an exchange or payment processor.
XMR <> PART support will add a tremendous level of privacy to the marketplace and expand on what's possible to do now with Monero.
Here's a mockup of what an XMR <> PART swap engine may look like in Particl Desktop's Swap module (independent module from the marketplace).
WIP, not a screenshot but a mock up, final look may differ
Additionally, we're equally happy to announce that we will be adding XMR <> PART support to the marketplace and Particl Desktop application as soon as Particl V3, the upcoming massive release, is out on mainnet. The integration will use both StealthEX and SimpleSwap exchanges to provide you with an easy way to swap coins before atomic swaps are pushed to the client, once ready.
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We'd like to thank everyone involved in the development of the XMR <> BTC swap protocol that made this possible, especially h4sh3d for cracking the code on how to execute an XMR <> BTC atomic swap and the Monero community for funding the research.
The ability to swap XMR and BTC together is probably one of the biggest wins in crypto since the last few years, and we're super excited to see all that's going to be possible from now on. Let's keep pushing crypto forward and make it as private as it should!
submitted by CryptoGuard to Monero [link] [comments]

Private by design decentralized p2p marketplace

Hi fellas, this is my first ever post on privacy.
I recently wrote about the existence of an open source DLT-based decentralized marketplace with a mission to enable free and private trade of goods and services. The marketplace description was posted on another subreddit but I think it's worth posting the description here too. Tbh I cant think of anything that qualifies more as "The intersection of technology, privacy, and freedom in a digital world"
I hope my own description of the marketplace and its technology bellow will fuel your interest to read more about it. My even bigger hope is that some of you will decide to become first-hand beta testers as soon as the upcoming v3.0 of the marketplace hits the testnet (eta: a few weeks).
You can also use the existing version (currently 2.3.5) of the marketplace to buy or sell products on the publicly accessible single community market there (or just play with it).
The marketplace:
It is called the Particl Marketplace and its ground breaking V3.0 is set to be released after 3 years of hard development work. The V3.0 will be the first version aimed at a wider public (normies and not only tech geeks). It will allow anyone to create easily decentralized personal storefronts or community markets or simply buy/sell goods on existing markets. The user-created markets/storefronts on the marketplace can be public if the access key is publicly announced on the Particl network or absolutely invisible to anyone that doesn’t know the access key (held by the creator). This is an intentional privacy feature and simply put, if you dont have the market access key (essentially a decryption key) there is absolutely no way to see/detect that some market exists.
The marketplace is private by design and decentralized, with no middlemen or intermediaries whatsoever. The trades are protected by a two-way automated escrow via smart-contracts that de-incentivize and penalize dishonest behavior on both sides. In particular, the buy-flow forces the buyer to deposit 1x item value + payment and the seller 1x item value (+ sends item) into a common smart contract. If the buyer receives the product/service and its all good, then he unlocks the escrow so both can get their 1x item value deposits back and the seller receive his payment.
The marketplace takes no sales commissions from the storefronts/markets and charges only a tiny listing fee (<0.01$) to prevent product listings spamming. All the marketplace generated fees go to the staking nodes that provide the hardware infrastructure for the p2p network to operate. The network nodes can be public or you can run them as Tor hidden services.
The technology:
The Particl Marketplace is crypto-agnostic and currently supports payments in BTC, PART, ZCoin (XMR, DAI, NIX, USDC, USDT are next in the pipeline and many more to come). It uses as a settlement layer its native coin PART and own blockchain, which is an up-to-date Bitcoin codebase with added privacy features like CT, RingCT (up to 32 mixins), Stealth addresses, etc. These privacy features are used in combination to keep the financial data, like escrows and transactions, private and most importantly un-linkable to the actual market buys/sells.
For the users and markets related data exchange like posted listings, buy/sell flows, encrypted user communication, built-in cryptocurrency exchange, etc, the marketplace uses a DSN, currently its a custom Bitmessage variant called SMSG, which allows metadata stripped encrypted p2p data exchange (no sender, no receiver)
Last but not least the marketplace desktop app (Particl Desktop) has a built-in option for using the Tor network via proxy.
The important people:
The cypherpunks behind Particl Marketplace have been OGs freedom advocates and pioneers in the privacy DLT field. For example, they were the first ever to implement features like RingCT, Bulletproofs, PoS, cold staking, etc on a Bitcoin codebase. Their privacy features implementations have been audited successfully by several respectable academics and security R&D providers, like QuarksLab.
The team behind the project has been so far focused on building without any marketing/awareness efforts and thus have remained intentionally in the shadows. The latter is planned to change with the v3.0 release. One of the steps towards that will be the initiation of several long-planned awareness campaigns, like the Vendor Onboarding and Outreach Program, the Particl Academy (an easy to understand and learn about the technology portal) and many more.
Me:
I am a passionate freedom and privacy advocate that discovered the project 1.5 year ago and since then has become a member of their small but like-minded community ([email protected]/discord).
My personal belief is that the Particl Marketplace provides a game-changing/breaking usecase to the world. At the minimum, due to the open source nature of the project, it will be a proof of concept that is bound to shift the global eCommerce paradigm.
submitted by Bakounin to privacy [link] [comments]

Open Marketplace by Particl

Hi fellas, this is my first post on the darknet. I read today about the Empire Market and decided to post here about a tech that might help to end this charade of constant exit scams.
My post is about a DLT-based open source decentralized marketplace that will hopefully initiate a paradigm shift in the free and private trade between individuals and ends the exit-scams and leaky databases problem once and for all.
It is called the Open Marketplace V3.0 and is set to be released after 3 years of hard development work by Particl Project, including one year of public beta testing.
My personal belief is that they are releasing to the world a game-changing/breaking product. At minimum, due to the open source nature of the project, this is a proof of concept that is bound to shift the global eCommerce paradigm into DeCommerce.
I hope my own description below of the marketplace and its technology will fuel your interest to read more about it. My even bigger hope is that some of you will decide to become first-hand beta testers as soon as the Open Marketplace v3.0 hits the testnet (eta: a few weeks).

The marketplace:
The Open Marketplace is designed to be private by default and decentralized with no middlemen/intermediaries whatsoever. The trades are protected by two-way automated escrow via smart-contracts that de-incentivize and penalize dishonest behavior on both sides.
The Open Marketplace takes no sales commissions and charges only a tiny listing fee (<0.01$) to prevent listing spamming. All the marketplace generated fees go to the nodes that provide the hardware infrastructure for the p2p network to operate. The nodes can be public or you can run them as Tor hidden services.
The V3.0 that is set to be released will be the first version open to the wider public. It will allow anyone to create easily a decentralized personal storefront or a community market or simply buy and sell goods on the already existing markets. The user-created markets/storefronts can be visible on the marketplace if the access key is publicly announced or absolutely invisible to anyone that doesn't know the access key (held by the creator). This is an intentional privacy feature and simply put without going into many technical details, if you dont have market access key there is absolutely no way to see/detect that some market exists.
The technology:
The Open Marketplace is crypto-agnostic and currently supports payments in BTC, PART, ZCoin (DAI, NIX are next in the pipeline and many more to come). It uses as a settlement layer its native blockchain, which is an up-to-date Bitcoin codebase with added privacy features like CT, RingCT (up to 32 mixins), Stealth addresses, etc. These privacy features are used in combination to keep the financial data like escrows, transactions, etc private and most importantly un-linkable to the actual market buys/sells.
For the actual user or markets related data exchange like posted listings, buy/sell flows, encrypted user communication, built-in cryptocurrency exchange, etc, the Open Marketplace uses a custom Bitmessage variant called SMSG, which allows metadata stripped encrypted data exchange. Last but not least the Open Marketplace client has a built-in option for using Tor network via proxy.

The important people:
The cypherpunks behind Particl's Open Marketplace have been passionate pioneers and OGs in the privacy DLT field. For example, they were the first ever to implement features like RingCT, Bulletproofs, PoS, cold staking, etc on a Bitcoin codebase. Their privacy features implementations have been audited successfully by several respectable academics and security R&D providers, like QuarksLab.
The team has been so far focused on building without any marketing and thus have remained intentionally in the shadows but the latter is planned to change with the v3.0 release. One of the steps towards that will be the initiation of the long-planned Vendor On-boarding and Outreach Program and the release of the Particl Academy, an easy to understand and learn about the project portal.

Me:
I am a passionate freedom and privacy advocate that discovered the project 1.5 year ago and since then has become a member of their small but like-minded community ([email protected]/discord).
submitted by Bakounin to darknet [link] [comments]

flipstarter.member.cash - member.cash flipstarter - 2nd attempt - 107BCH Target for 6 weeks intensive development and growth hacking

flipstarter.member.cash
Thanks to everybody who pledged to the first member.cash flipstarter attempt. It was unsuccessful so I've reduced the scope of it to see if that helps it gain more support. I'm hoping that 6 weeks will be enough to show enough improvements and traction.
I've also been advised I need to get to the point the quicker and explain why member.cash is good for BCH investors!

For Bitcoin Cash Investors

More BCH Users

Every new member is automatically a Bitcoin Cash(BCH) user. Every action that's taken, from posting or liking or following uses a BCH transaction to power it. Using BCH as a currency on a social network is a great way to get users familiar with cryptocurrency as functional online cash. Crypto is an abstract concept for many and this is how to make it concrete. This is how new users start to understand that BCH is real money.

More BCH Network Use

New member.cash users help to grow the BCH network effect. It helps to increase the number of transactions taking place on the BCH network. BCH blocks are typically less than 200K, that's a lot less than BTC, and BCH is supposed to be the big block network. It will inspire a lot more confidence when BCH is regularly pushing through 20MB blocks, even if those blocks are filled with low cost social media transactions. It is good for BCH to deal with as much usage as it can get. It is good for the metrics, and we get to see where the problems and bottlenecks are. It shows the network is capable of processing large numbers of transactions and it is key that BCH proves that to give confidence to new investors.

BCH needs to win this race

Decentralized blockchain based social media is coming and we'll all be using decentralized social media within 10 years. Everyone knows this, even Twitter. BCH investors should prefer that this happens on BCH rather than on BSV or ETH. Being an open platform gives member.cash an advantage - it can offer users freedom, while private platforms struggle to maintain their moats and control what their users can do.

Tokens

MEMBER tokens will be provided for all donations. These help to keep track of the top supporters of the member.cash platform and where monetization possibilities exist in the future, top supporters will be given first consideration.
submitted by freetrade to btc [link] [comments]

Dragonchain Great Reddit Scaling Bake-Off Public Proposal

Dragonchain Great Reddit Scaling Bake-Off Public Proposal

Dragonchain Public Proposal TL;DR:

Dragonchain has demonstrated twice Reddit’s entire total daily volume (votes, comments, and posts per Reddit 2019 Year in Review) in a 24-hour demo on an operational network. Every single transaction on Dragonchain is decentralized immediately through 5 levels of Dragon Net, and then secured with combined proof on Bitcoin, Ethereum, Ethereum Classic, and Binance Chain, via Interchain. At the time, in January 2020, the entire cost of the demo was approximately $25K on a single system (transaction fees locked at $0.0001/txn). With current fees (lowest fee $0.0000025/txn), this would cost as little as $625.
Watch Joe walk through the entire proposal and answer questions on YouTube.
This proposal is also available on the Dragonchain blog.

Hello Reddit and Ethereum community!

I’m Joe Roets, Founder & CEO of Dragonchain. When the team and I first heard about The Great Reddit Scaling Bake-Off we were intrigued. We believe we have the solutions Reddit seeks for its community points system and we have them at scale.
For your consideration, we have submitted our proposal below. The team at Dragonchain and I welcome and look forward to your technical questions, philosophical feedback, and fair criticism, to build a scaling solution for Reddit that will empower its users. Because our architecture is unlike other blockchain platforms out there today, we expect to receive many questions while people try to grasp our project. I will answer all questions here in this thread on Reddit, and I've answered some questions in the stream on YouTube.
We have seen good discussions so far in the competition. We hope that Reddit’s scaling solution will emerge from The Great Reddit Scaling Bake-Off and that Reddit will have great success with the implementation.

Executive summary

Dragonchain is a robust open source hybrid blockchain platform that has proven to withstand the passing of time since our inception in 2014. We have continued to evolve to harness the scalability of private nodes, yet take full advantage of the security of public decentralized networks, like Ethereum. We have a live, operational, and fully functional Interchain network integrating Bitcoin, Ethereum, Ethereum Classic, and ~700 independent Dragonchain nodes. Every transaction is secured to Ethereum, Bitcoin, and Ethereum Classic. Transactions are immediately usable on chain, and the first decentralization is seen within 20 seconds on Dragon Net. Security increases further to public networks ETH, BTC, and ETC within 10 minutes to 2 hours. Smart contracts can be written in any executable language, offering full freedom to existing developers. We invite any developer to watch the demo, play with our SDK’s, review open source code, and to help us move forward. Dragonchain specializes in scalable loyalty & rewards solutions and has built a decentralized social network on chain, with very affordable transaction costs. This experience can be combined with the insights Reddit and the Ethereum community have gained in the past couple of months to roll out the solution at a rapid pace.

Response and PoC

In The Great Reddit Scaling Bake-Off post, Reddit has asked for a series of demonstrations, requirements, and other considerations. In this section, we will attempt to answer all of these requests.

Live Demo

A live proof of concept showing hundreds of thousands of transactions
On Jan 7, 2020, Dragonchain hosted a 24-hour live demonstration during which a quarter of a billion (250 million+) transactions executed fully on an operational network. Every single transaction on Dragonchain is decentralized immediately through 5 levels of Dragon Net, and then secured with combined proof on Bitcoin, Ethereum, Ethereum Classic, and Binance Chain, via Interchain. This means that every single transaction is secured by, and traceable to these networks. An attack on this system would require a simultaneous attack on all of the Interchained networks.
24 hours in 4 minutes (YouTube):
24 hours in 4 minutes
The demonstration was of a single business system, and any user is able to scale this further, by running multiple systems simultaneously. Our goals for the event were to demonstrate a consistent capacity greater than that of Visa over an extended time period.
Tooling to reproduce our demo is available here:
https://github.com/dragonchain/spirit-bomb

Source Code

Source code (for on & off-chain components as well tooling used for the PoC). The source code does not have to be shared publicly, but if Reddit decides to use a particular solution it will need to be shared with Reddit at some point.

Scaling

How it works & scales

Architectural Scaling

Dragonchain’s architecture attacks the scalability issue from multiple angles. Dragonchain is a hybrid blockchain platform, wherein every transaction is protected on a business node to the requirements of that business or purpose. A business node may be held completely private or may be exposed or replicated to any level of exposure desired.
Every node has its own blockchain and is independently scalable. Dragonchain established Context Based Verification as its consensus model. Every transaction is immediately usable on a trust basis, and in time is provable to an increasing level of decentralized consensus. A transaction will have a level of decentralization to independently owned and deployed Dragonchain nodes (~700 nodes) within seconds, and full decentralization to BTC and ETH within minutes or hours. Level 5 nodes (Interchain nodes) function to secure all transactions to public or otherwise external chains such as Bitcoin and Ethereum. These nodes scale the system by aggregating multiple blocks into a single Interchain transaction on a cadence. This timing is configurable based upon average fees for each respective chain. For detailed information about Dragonchain’s architecture, and Context Based Verification, please refer to the Dragonchain Architecture Document.

Economic Scaling

An interesting feature of Dragonchain’s network consensus is its economics and scarcity model. Since Dragon Net nodes (L2-L4) are independent staking nodes, deployment to cloud platforms would allow any of these nodes to scale to take on a large percentage of the verification work. This is great for scalability, but not good for the economy, because there is no scarcity, and pricing would develop a downward spiral and result in fewer verification nodes. For this reason, Dragonchain uses TIME as scarcity.
TIME is calculated as the number of Dragons held, multiplied by the number of days held. TIME influences the user’s access to features within the Dragonchain ecosystem. It takes into account both the Dragon balance and length of time each Dragon is held. TIME is staked by users against every verification node and dictates how much of the transaction fees are awarded to each participating node for every block.
TIME also dictates the transaction fee itself for the business node. TIME is staked against a business node to set a deterministic transaction fee level (see transaction fee table below in Cost section). This is very interesting in a discussion about scaling because it guarantees independence for business implementation. No matter how much traffic appears on the entire network, a business is guaranteed to not see an increased transaction fee rate.

Scaled Deployment

Dragonchain uses Docker and Kubernetes to allow the use of best practices traditional system scaling. Dragonchain offers managed nodes with an easy to use web based console interface. The user may also deploy a Dragonchain node within their own datacenter or favorite cloud platform. Users have deployed Dragonchain nodes on-prem on Amazon AWS, Google Cloud, MS Azure, and other hosting platforms around the world. Any executable code, anything you can write, can be written into a smart contract. This flexibility is what allows us to say that developers with no blockchain experience can use any code language to access the benefits of blockchain. Customers have used NodeJS, Python, Java, and even BASH shell script to write smart contracts on Dragonchain.
With Docker containers, we achieve better separation of concerns, faster deployment, higher reliability, and lower response times.
We chose Kubernetes for its self-healing features, ability to run multiple services on one server, and its large and thriving development community. It is resilient, scalable, and automated. OpenFaaS allows us to package smart contracts as Docker images for easy deployment.
Contract deployment time is now bounded only by the size of the Docker image being deployed but remains fast even for reasonably large images. We also take advantage of Docker’s flexibility and its ability to support any language that can run on x86 architecture. Any image, public or private, can be run as a smart contract using Dragonchain.

Flexibility in Scaling

Dragonchain’s architecture considers interoperability and integration as key features. From inception, we had a goal to increase adoption via integration with real business use cases and traditional systems.
We envision the ability for Reddit, in the future, to be able to integrate alternate content storage platforms or other financial services along with the token.
  • LBRY - To allow users to deploy content natively to LBRY
  • MakerDAO to allow users to lend small amounts backed by their Reddit community points.
  • STORJ/SIA to allow decentralized on chain storage of portions of content. These integrations or any other are relatively easy to integrate on Dragonchain with an Interchain implementation.

Cost

Cost estimates (on-chain and off-chain) For the purpose of this proposal, we assume that all transactions are on chain (posts, replies, and votes).
On the Dragonchain network, transaction costs are deterministic/predictable. By staking TIME on the business node (as described above) Reddit can reduce transaction costs to as low as $0.0000025 per transaction.
Dragonchain Fees Table

Getting Started

How to run it
Building on Dragonchain is simple and requires no blockchain experience. Spin up a business node (L1) in our managed environment (AWS), run it in your own cloud environment, or on-prem in your own datacenter. Clear documentation will walk you through the steps of spinning up your first Dragonchain Level 1 Business node.
Getting started is easy...
  1. Download Dragonchain’s dctl
  2. Input three commands into a terminal
  3. Build an image
  4. Run it
More information can be found in our Get started documents.

Architecture
Dragonchain is an open source hybrid platform. Through Dragon Net, each chain combines the power of a public blockchain (like Ethereum) with the privacy of a private blockchain.
Dragonchain organizes its network into five separate levels. A Level 1, or business node, is a totally private blockchain only accessible through the use of public/private keypairs. All business logic, including smart contracts, can be executed on this node directly and added to the chain.
After creating a block, the Level 1 business node broadcasts a version stripped of sensitive private data to Dragon Net. Three Level 2 Validating nodes validate the transaction based on guidelines determined from the business. A Level 3 Diversity node checks that the level 2 nodes are from a diverse array of locations. A Level 4 Notary node, hosted by a KYC partner, then signs the validation record received from the Level 3 node. The transaction hash is ledgered to the Level 5 public chain to take advantage of the hash power of massive public networks.
Dragon Net can be thought of as a “blockchain of blockchains”, where every level is a complete private blockchain. Because an L1 can send to multiple nodes on a single level, proof of existence is distributed among many places in the network. Eventually, proof of existence reaches level 5 and is published on a public network.

API Documentation

APIs (on chain & off)

SDK Source

Nobody’s Perfect

Known issues or tradeoffs
  • Dragonchain is open source and even though the platform is easy enough for developers to code in any language they are comfortable with, we do not have so large a developer community as Ethereum. We would like to see the Ethereum developer community (and any other communities) become familiar with our SDK’s, our solutions, and our platform, to unlock the full potential of our Ethereum Interchain. Long ago we decided to prioritize both Bitcoin and Ethereum Interchains. We envision an ecosystem that encompasses different projects to give developers the ability to take full advantage of all the opportunities blockchain offers to create decentralized solutions not only for Reddit but for all of our current platforms and systems. We believe that together we will take the adoption of blockchain further. We currently have additional Interchain with Ethereum Classic. We look forward to Interchain with other blockchains in the future. We invite all blockchains projects who believe in decentralization and security to Interchain with Dragonchain.
  • While we only have 700 nodes compared to 8,000 Ethereum and 10,000 Bitcoin nodes. We harness those 18,000 nodes to scale to extremely high levels of security. See Dragonchain metrics.
  • Some may consider the centralization of Dragonchain’s business nodes as an issue at first glance, however, the model is by design to protect business data. We do not consider this a drawback as these nodes can make any, none, or all data public. Depending upon the implementation, every subreddit could have control of its own business node, for potential business and enterprise offerings, bringing new alternative revenue streams to Reddit.

Costs and resources

Summary of cost & resource information for both on-chain & off-chain components used in the PoC, as well as cost & resource estimates for further scaling. If your PoC is not on mainnet, make note of any mainnet caveats (such as congestion issues).
Every transaction on the PoC system had a transaction fee of $0.0001 (one-hundredth of a cent USD). At 256MM transactions, the demo cost $25,600. With current operational fees, the same demonstration would cost $640 USD.
For the demonstration, to achieve throughput to mimic a worldwide payments network, we modeled several clients in AWS and 4-5 business nodes to handle the traffic. The business nodes were tuned to handle higher throughput by adjusting memory and machine footprint on AWS. This flexibility is valuable to implementing a system such as envisioned by Reddit. Given that Reddit’s daily traffic (posts, replies, and votes) is less than half that of our demo, we would expect that the entire Reddit system could be handled on 2-5 business nodes using right-sized containers on AWS or similar environments.
Verification was accomplished on the operational Dragon Net network with over 700 independently owned verification nodes running around the world at no cost to the business other than paid transaction fees.

Requirements

Scaling

This PoC should scale to the numbers below with minimal costs (both on & off-chain). There should also be a clear path to supporting hundreds of millions of users.
Over a 5 day period, your scaling PoC should be able to handle:
*100,000 point claims (minting & distributing points) *25,000 subscriptions *75,000 one-off points burning *100,000 transfers
During Dragonchain’s 24 hour demo, the above required numbers were reached within the first few minutes.
Reddit’s total activity is 9000% more than Ethereum’s total transaction level. Even if you do not include votes, it is still 700% more than Ethereum’s current volume. Dragonchain has demonstrated that it can handle 250 million transactions a day, and it’s architecture allows for multiple systems to work at that level simultaneously. In our PoC, we demonstrate double the full capacity of Reddit, and every transaction was proven all the way to Bitcoin and Ethereum.
Reddit Scaling on Ethereum

Decentralization

Solutions should not depend on any single third-party provider. We prefer solutions that do not depend on specific entities such as Reddit or another provider, and solutions with no single point of control or failure in off-chain components but recognize there are numerous trade-offs to consider
Dragonchain’s architecture calls for a hybrid approach. Private business nodes hold the sensitive data while the validation and verification of transactions for the business are decentralized within seconds and secured to public blockchains within 10 minutes to 2 hours. Nodes could potentially be controlled by owners of individual subreddits for more organic decentralization.
  • Billing is currently centralized - there is a path to federation and decentralization of a scaled billing solution.
  • Operational multi-cloud
  • Operational on-premises capabilities
  • Operational deployment to any datacenter
  • Over 700 independent Community Verification Nodes with proof of ownership
  • Operational Interchain (Interoperable to Bitcoin, Ethereum, and Ethereum Classic, open to more)

Usability Scaling solutions should have a simple end user experience.

Users shouldn't have to maintain any extra state/proofs, regularly monitor activity, keep track of extra keys, or sign anything other than their normal transactions
Dragonchain and its customers have demonstrated extraordinary usability as a feature in many applications, where users do not need to know that the system is backed by a live blockchain. Lyceum is one of these examples, where the progress of academy courses is being tracked, and successful completion of courses is rewarded with certificates on chain. Our @Save_The_Tweet bot is popular on Twitter. When used with one of the following hashtags - #please, #blockchain, #ThankYou, or #eternalize the tweet is saved through Eternal to multiple blockchains. A proof report is available for future reference. Other examples in use are DEN, our decentralized social media platform, and our console, where users can track their node rewards, view their TIME, and operate a business node.
Examples:

Transactions complete in a reasonable amount of time (seconds or minutes, not hours or days)
All transactions are immediately usable on chain by the system. A transaction begins the path to decentralization at the conclusion of a 5-second block when it gets distributed across 5 separate community run nodes. Full decentralization occurs within 10 minutes to 2 hours depending on which interchain (Bitcoin, Ethereum, or Ethereum Classic) the transaction hits first. Within approximately 2 hours, the combined hash power of all interchained blockchains secures the transaction.

Free to use for end users (no gas fees, or fixed/minimal fees that Reddit can pay on their behalf)
With transaction pricing as low as $0.0000025 per transaction, it may be considered reasonable for Reddit to cover transaction fees for users.
All of Reddit's Transactions on Blockchain (month)
Community points can be earned by users and distributed directly to their Reddit account in batch (as per Reddit minting plan), and allow users to withdraw rewards to their Ethereum wallet whenever they wish. Withdrawal fees can be paid by either user or Reddit. This model has been operating inside the Dragonchain system since 2018, and many security and financial compliance features can be optionally added. We feel that this capability greatly enhances user experience because it is seamless to a regular user without cryptocurrency experience, yet flexible to a tech savvy user. With regard to currency or token transactions, these would occur on the Reddit network, verified to BTC and ETH. These transactions would incur the $0.0000025 transaction fee. To estimate this fee we use the monthly active Reddit users statista with a 60% adoption rate and an estimated 10 transactions per month average resulting in an approximate $720 cost across the system. Reddit could feasibly incur all associated internal network charges (mining/minting, transfer, burn) as these are very low and controllable fees.
Reddit Internal Token Transaction Fees

Reddit Ethereum Token Transaction Fees
When we consider further the Ethereum fees that might be incurred, we have a few choices for a solution.
  1. Offload all Ethereum transaction fees (user withdrawals) to interested users as they wish to withdraw tokens for external use or sale.
  2. Cover Ethereum transaction fees by aggregating them on a timed schedule. Users would request withdrawal (from Reddit or individual subreddits), and they would be transacted on the Ethereum network every hour (or some other schedule).
  3. In a combination of the above, customers could cover aggregated fees.
  4. Integrate with alternate Ethereum roll up solutions or other proposals to aggregate minting and distribution transactions onto Ethereum.

Bonus Points

Users should be able to view their balances & transactions via a blockchain explorer-style interface
From interfaces for users who have no knowledge of blockchain technology to users who are well versed in blockchain terms such as those present in a typical block explorer, a system powered by Dragonchain has flexibility on how to provide balances and transaction data to users. Transactions can be made viewable in an Eternal Proof Report, which displays raw data along with TIME staking information and traceability all the way to Bitcoin, Ethereum, and every other Interchained network. The report shows fields such as transaction ID, timestamp, block ID, multiple verifications, and Interchain proof. See example here.
Node payouts within the Dragonchain console are listed in chronological order and can be further seen in either Dragons or USD. See example here.
In our social media platform, Dragon Den, users can see, in real-time, their NRG and MTR balances. See example here.
A new influencer app powered by Dragonchain, Raiinmaker, breaks down data into a user friendly interface that shows coin portfolio, redeemed rewards, and social scores per campaign. See example here.

Exiting is fast & simple
Withdrawing funds on Dragonchain’s console requires three clicks, however, withdrawal scenarios with more enhanced security features per Reddit’s discretion are obtainable.

Interoperability Compatibility with third party apps (wallets/contracts/etc) is necessary.
Proven interoperability at scale that surpasses the required specifications. Our entire platform consists of interoperable blockchains connected to each other and traditional systems. APIs are well documented. Third party permissions are possible with a simple smart contract without the end user being aware. No need to learn any specialized proprietary language. Any code base (not subsets) is usable within a Docker container. Interoperable with any blockchain or traditional APIs. We’ve witnessed relatively complex systems built by engineers with no blockchain or cryptocurrency experience. We’ve also demonstrated the creation of smart contracts within minutes built with BASH shell and Node.js. Please see our source code and API documentation.

Scaling solutions should be extensible and allow third parties to build on top of it Open source and extensible
APIs should be well documented and stable

Documentation should be clear and complete
For full documentation, explore our docs, SDK’s, Github repo’s, architecture documents, original Disney documentation, and other links or resources provided in this proposal.

Third-party permissionless integrations should be possible & straightforward Smart contracts are Docker based, can be written in any language, use full language (not subsets), and can therefore be integrated with any system including traditional system APIs. Simple is better. Learning an uncommon or proprietary language should not be necessary.
Advanced knowledge of mathematics, cryptography, or L2 scaling should not be required. Compatibility with common utilities & toolchains is expected.
Dragonchain business nodes and smart contracts leverage Docker to allow the use of literally any language or executable code. No proprietary language is necessary. We’ve witnessed relatively complex systems built by engineers with no blockchain or cryptocurrency experience. We’ve also demonstrated the creation of smart contracts within minutes built with BASH shell and Node.js.

Bonus

Bonus Points: Show us how it works. Do you have an idea for a cool new use case for Community Points? Build it!

TIME

Community points could be awarded to Reddit users based upon TIME too, whereas the longer someone is part of a subreddit, the more community points someone naturally gained, even if not actively commenting or sharing new posts. A daily login could be required for these community points to be credited. This grants awards to readers too and incentivizes readers to create an account on Reddit if they browse the website often. This concept could also be leveraged to provide some level of reputation based upon duration and consistency of contribution to a community subreddit.

Dragon Den

Dragonchain has already built a social media platform that harnesses community involvement. Dragon Den is a decentralized community built on the Dragonchain blockchain platform. Dragon Den is Dragonchain’s answer to fake news, trolling, and censorship. It incentivizes the creation and evaluation of quality content within communities. It could be described as being a shareholder of a subreddit or Reddit in its entirety. The more your subreddit is thriving, the more rewarding it will be. Den is currently in a public beta and in active development, though the real token economy is not live yet. There are different tokens for various purposes. Two tokens are Lair Ownership Rights (LOR) and Lair Ownership Tokens (LOT). LOT is a non-fungible token for ownership of a specific Lair. LOT will only be created and converted from LOR.
Energy (NRG) and Matter (MTR) work jointly. Your MTR determines how much NRG you receive in a 24-hour period. Providing quality content, or evaluating content will earn MTR.

Security. Users have full ownership & control of their points.
All community points awarded based upon any type of activity or gift, are secured and provable to all Interchain networks (currently BTC, ETH, ETC). Users are free to spend and withdraw their points as they please, depending on the features Reddit wants to bring into production.

Balances and transactions cannot be forged, manipulated, or blocked by Reddit or anyone else
Users can withdraw their balance to their ERC20 wallet, directly through Reddit. Reddit can cover the fees on their behalf, or the user covers this with a portion of their balance.

Users should own their points and be able to get on-chain ERC20 tokens without permission from anyone else
Through our console users can withdraw their ERC20 rewards. This can be achieved on Reddit too. Here is a walkthrough of our console, though this does not show the quick withdrawal functionality, a user can withdraw at any time. https://www.youtube.com/watch?v=aNlTMxnfVHw

Points should be recoverable to on-chain ERC20 tokens even if all third-parties involved go offline
If necessary, signed transactions from the Reddit system (e.g. Reddit + Subreddit) can be sent to the Ethereum smart contract for minting.

A public, third-party review attesting to the soundness of the design should be available
To our knowledge, at least two large corporations, including a top 3 accounting firm, have conducted positive reviews. These reviews have never been made public, as Dragonchain did not pay or contract for these studies to be released.

Bonus points
Public, third-party implementation review available or in progress
See above

Compatibility with HSMs & hardware wallets
For the purpose of this proposal, all tokenization would be on the Ethereum network using standard token contracts and as such, would be able to leverage all hardware wallet and Ethereum ecosystem services.

Other Considerations

Minting/distributing tokens is not performed by Reddit directly
This operation can be automated by smart contract on Ethereum. Subreddits can if desired have a role to play.

One off point burning, as well as recurring, non-interactive point burning (for subreddit memberships) should be possible and scalable
This is possible and scalable with interaction between Dragonchain Reddit system and Ethereum token contract(s).

Fully open-source solutions are strongly preferred
Dragonchain is fully open source (see section on Disney release after conclusion).

Conclusion

Whether it is today, or in the future, we would like to work together to bring secure flexibility to the highest standards. It is our hope to be considered by Ethereum, Reddit, and other integrative solutions so we may further discuss the possibilities of implementation. In our public demonstration, 256 million transactions were handled in our operational network on chain in 24 hours, for the low cost of $25K, which if run today would cost $625. Dragonchain’s interoperable foundation provides the atmosphere necessary to implement a frictionless community points system. Thank you for your consideration of our proposal. We look forward to working with the community to make something great!

Disney Releases Blockchain Platform as Open Source

The team at Disney created the Disney Private Blockchain Platform. The system was a hybrid interoperable blockchain platform for ledgering and smart contract development geared toward solving problems with blockchain adoption and usability. All objective evaluation would consider the team’s output a success. We released a list of use cases that we explored in some capacity at Disney, and our input on blockchain standardization as part of our participation in the W3C Blockchain Community Group.
https://lists.w3.org/Archives/Public/public-blockchain/2016May/0052.html

Open Source

In 2016, Roets proposed to release the platform as open source to spread the technology outside of Disney, as others within the W3C group were interested in the solutions that had been created inside of Disney.
Following a long process, step by step, the team met requirements for release. Among the requirements, the team had to:
  • Obtain VP support and approval for the release
  • Verify ownership of the software to be released
  • Verify that no proprietary content would be released
  • Convince the organization that there was a value to the open source community
  • Convince the organization that there was a value to Disney
  • Offer the plan for ongoing maintenance of the project outside of Disney
  • Itemize competing projects
  • Verify no conflict of interest
  • Preferred license
  • Change the project name to not use the name Disney, any Disney character, or any other associated IP - proposed Dragonchain - approved
  • Obtain legal approval
  • Approval from corporate, parks, and other business units
  • Approval from multiple Disney patent groups Copyright holder defined by Disney (Disney Connected and Advanced Technologies)
  • Trademark searches conducted for the selected name Dragonchain
  • Obtain IT security approval
  • Manual review of OSS components conducted
  • OWASP Dependency and Vulnerability Check Conducted
  • Obtain technical (software) approval
  • Offer management, process, and financial plans for the maintenance of the project.
  • Meet list of items to be addressed before release
  • Remove all Disney project references and scripts
  • Create a public distribution list for email communications
  • Remove Roets’ direct and internal contact information
  • Create public Slack channel and move from Disney slack channels
  • Create proper labels for issue tracking
  • Rename internal private Github repository
  • Add informative description to Github page
  • Expand README.md with more specific information
  • Add information beyond current “Blockchains are Magic”
  • Add getting started sections and info on cloning/forking the project
  • Add installation details
  • Add uninstall process
  • Add unit, functional, and integration test information
  • Detail how to contribute and get involved
  • Describe the git workflow that the project will use
  • Move to public, non-Disney git repository (Github or Bitbucket)
  • Obtain Disney Open Source Committee approval for release
On top of meeting the above criteria, as part of the process, the maintainer of the project had to receive the codebase on their own personal email and create accounts for maintenance (e.g. Github) with non-Disney accounts. Given the fact that the project spanned multiple business units, Roets was individually responsible for its ongoing maintenance. Because of this, he proposed in the open source application to create a non-profit organization to hold the IP and maintain the project. This was approved by Disney.
The Disney Open Source Committee approved the application known as OSSRELEASE-10, and the code was released on October 2, 2016. Disney decided to not issue a press release.
Original OSSRELASE-10 document

Dragonchain Foundation

The Dragonchain Foundation was created on January 17, 2017. https://den.social/l/Dragonchain/24130078352e485d96d2125082151cf0/dragonchain-and-disney/
submitted by j0j0r0 to ethereum [link] [comments]

I feel like this outcome is quite inevitable. CBDCs being created will actually allow bitcoin to be used everywhere as payment by default.

It seems we are moving to a world where all central banks are going to issue a digital currency while banks implement digital wallets to custody them. In other words we will see central bank stable coins in every country soon enough.
For people to be able to send these central bank stable coins between bank wallets in different countries (for example sending a USD CBDC to a bank wallet in Singapore) these CBDCs will all need to be built on a single global blockchain otherwise international money transfer will become impossible.
All CBDCs of the world will need to speak the same language and be able to be transferred globally between wallets.
One solution is the lightning network. Ive heard it stated that any crypto can become lightning compatible so whether you have a CBDC on bitcoin or eth or on a private chain or a side chain, if that chain supports lightning then you will be able to send to and receive from any other chain that supports lightning. Lightning essentially becomes this protocol that connects all chains.
With that being the case it then becomes very easy to imagine a world where everyone can just accept lightning payments, choose which currency they want to receive, and then anyone will be able to send any crypto to them while they receive their desired currency, all transactions and required DEX conversions completed on the fly in real time over lightning. In this sense bitcoin will live alongside CBDCs and people all over the world will be free to choose which crypto they send receive and hold in real time.
Imagine being able to travel anywhere and not have to worry about your finances. Wherever you go on earth everyone accepts lightning and no matter what currency you have its sent and converted into whatever currency they accept. The notion of currency will change, no one will say what forms of payment they accept or what currency they accept anymore, all people will need is lightning.
That seems like an amazing future giving people complete freedom of currency choice while allowing frictionless global commerce.
If central banks want CBDCs to work globally they will need to support lightning and supporting lightning allows bitcoin to live alongside CBDCs allowing bitcoin to be used everywhere CBDCs will be used.
Finally bitcoin will be accepted everywhere by default.
submitted by slvbtc to Bitcoin [link] [comments]

Bitcoin does not guarantee privacy, but it strengthens it

For the economist and writer David Friedman, whose intellectual work has focused on aspects of anonymity, Bitcoin and other cryptocurrencies have something important to contribute in a hypothetical world with better privacy for citizens. Friedman started from the idea of systems that do not depend on government intervention as a way to maintain a world with greater guarantees of privacy. Either for the fulfillment of agreements, commercial exchanges and even the issuance of money. And that's precisely where Bitcoin comes in.
“The beauty of Bitcoin is that it doesn't require an issuer, it doesn't require a bank. Only code", reflected the writer of books such as" The machinery of freedom "or" Future Imperfect: Technology and freedom in an uncertain world. "
However, Friedman considered that Bitcoin is "the least anonymous of all" money options, keeping a public and open record of all transactions that run on the network. Of course, public information is nothing more than addresses without personal data, he qualified in this regard.
But "someone who looks carefully - and dedicates a lot of resources - can probably break your anonymity" in Bitcoin, the intellectual said. He also considered that "there is no [cryptocurrency] perfectly anonymous" despite its various privacy offers, with cases like Monero, yes "they can make it as difficult as possible for those who are looking."
The problems in creating that world with guaranteed privacy and anonymity are many. And one of the main ones is that "no government wants an anonymous currency." That would take away their power over citizens, in terms of control and even tax charges to finance the state.
Indeed, governments around the world have stood up to attempts to increase privacy through cryptocurrencies.
The governments of the world are joined by companies that are dedicated to spying on blockchains, establish patterns of behavior and identify relationships between transactions in cases of various cryptocurrencies, mainly in Bitcoin, given its greater volume compared to the rest.
In a more anonymous world, these signatures would have no place or their performance would be very limited. But complete anonymity would also increase risks, both in the digital and physical world. On the one hand, there would be more freedom. But on the other hand, it would be easier to commit crimes and escape unscathed in the process. "For better or worse, there would be less control from governments," Friedman finally assessed.
submitted by gabrielm24 to revain_org [link] [comments]

Will bitcoin be default the privacy feature in the future?

https://www.fatf-gafi.org/publications/fatfrecommendations/documents/virtual-assets-red-flag-indicators.html
Today FATF announced a new regulatory recommendation. It contains recommendations to include p2p transactions, transactions with non kyc exchanges, privacy coins, unhosted private wallets and mixers as red flags.
FATF is a pet kept by the US gov. In other words, FATF's recommendations become the worldwide AML standard. To say that it is are 'risky' is the same as saying to ban it.
The future of privacy is dark. We can use coinjoin, payjoin, or privacy-focused alt, but it will get harder and harder. This is because the modern AML mechanism works in a bizarre way of thinking that "nothing to hide nothing to fear so no need privacy". Governments are not interested in anything other than completely eliminating financial privacy and expanding mass surveillance.
To solve this, I think bitcoin will someday need to set the anonymous transfer feature as default. Mixing, zero-knowledge proof, coinswap, ringCT... whatever, to make sure that traders are not considered potential criminals just to use the privacy protocol.
If Bitcoin is widely accepted then now, it will be difficult for the government to ban it even if privacy is default. Many traders will rebel, and the source code cannot be interfere because it belongs to the freedom of speech.
Some will worry that this idea will be abused in crime. But tracking criminals is a government''s 'job'. Already, the government is doing a lot of research on it. At the same time, it is also the government's duty to protect our privacy. If someone abuses technology, government have to figure out how to track it down, and it's not the right way to stop ordinary people from using privacy protocols.
Already, the government is putting bitcoin traders under mass surveillance. If they don't trust us so don't respect our basic rights, we don't have to be 100% obedient to their big-brother dream. We must have the real power to protect our own privacy.
What do you think about this opinion? Anyway, I believe bitcoin needs better privacy and fungibility as a default.
submitted by subarun7 to Bitcoin [link] [comments]

Your Choice To Make

TL;DR: Wakey wakey, give a crap about freedom, or accept the consequences.
Another Sunday afternoon, another news item about Monero being delisted from a centralized exchange, this time in Australia.
Last year it was OKEx and others.
Just a few days ago it was Coinspot.
It is sort of an open secret that Coinbase is not listing Monero due to external pressures. Today we're hit with news that Kraken will be ceasing Monero trading for AU residents.
And you will also recall that Japan and South Korea have made similar moves.
It's a near impossibility with me, especially when powered by caffeine, which is most definitely the case today, but I will try to make this brief, sweet and to the point.
These are not isolated incidents. There is an International Organization™ in particular orchestrating, behind the scenes, the policies and requirements that financial institutions (crypto exchanges have since joined that category for this purpose) must follow, or else.
Here is what bothers me about this.
Have you been consulted about this? Anyone you know?
Heard of it in the news?
Yeah, me neither.
You have to know where to look to find some information on what they would like to see happening (we'll get to that in a moment), and often you have to read PDFs with dozens of pages to find the good stuff too.
I will leave that as an exercise to the reader. Suffice to say, I have been digging a bit deeper myself, and what I found shocked me.
FATF wants nothing less than the complete elimination of anonymity and privacy in financial affairs, even going so far as to consider BANNING peer to peer transactions so that people are forced to interact with each other through exchanges, where data collection is more reliable and certain, effectively obliterating one of the major selling points of cryptocurrency (p2p-ness) with complete disregard for the millions of people who are already onboard with the vision.
No privacy and no anonymity, imagine that.
Many of you probably already use plastic cards for everything, day in day out, and don't think too much about this stuff.
But the fact that an international organization that you have little to zero democratic control over is planning to get rid of class of financial tools that 99.99999% of people don't even realize exists yet should give you pause for concern.
The tools I speak of are, of course, digital cash-like cryptocurrencies like Monero.
I would like you to PAUSE, daydream a bit, visualize and imagine, what a world without zero financial privacy/anonymity would look like.
Consider, this has certainly not been the case in human history, ever -- yes, even today.
Today most of you still have cash as a choice. But what happens when that goes out of the window, and the only options are CBDCs, CorporateCoins, and transparent cryptocurrency ?
Needless to say, both in the case of CorporateCoins and CBDCs, there will be little to none privacy/anonymity, and even if there was (in the case of CorporateCoin), the state would obviously bully its way into it and force them to do otherwise (without being asked to do so, of course).
So, imagine that world.
Every donation you make. Every $50 transfer to a friend or family member. Every item you buy. Every service you purchase. Every money you send to help a friend you.
All of it stored, forever, to be accessed later at will for whatever reasons.
Would you make the same choices, knowing that your entire financial life is entirely exposed to powerful organizations of which you likely know very little about and almost certainly can hardly ever influence at all?
Does that seem like a good recipe for a free society?

Consequences

The people at the top either don't care about the consequences of what they're imposing worldwide, or they don't understand.
Sounds highly concerning to me either way - It comes down to either bullying or ignorance.
Would you ever have truly heart-to-heart conversations if you knew your worst enemy was potentially watching and recording everything?
Could you make passionate love knowing hundreds of strangers are analyzing your every move?
Can you be spontaneous knowing you are being recorded?
What if you did not have a choice in those matters ?!
What if someone has already decided for you, your friends, your family, your neighbors, your country, that you are all potential criminals and the thing to do is to keep records on everyone, just in case ?
Newsflash: It already happened.
It's been happening for awhile, and it seems to be picking up pace; the technology that was going to liberate us, slowly enslaving us instead -- because the general public largely does not understand the issues at hand, while the elite certainly does, and boy oh boy, are they thrilled with the technological advancements that help them cement their power.
What do I mean by cement?
Imagine trying to kick-start civil rights in a place where every social map is known, everything a person is interested in is known, every transaction they make is known, every website they have visited is known, every time they step on the street, an AI-powered camera automatically identifies them and tracks their movement.
You would be unable to organize. To exchange value. To discuss behind curtains, so to speak.
You would not have any privacy, and you would not have any anonymity.
Could you be free under these circumstances?

Conclusion

It's been a long road towards more freedom, but nowdays it is disappearing fast. Stopping to consider the implications is a most pressing issue.
They want Monero(-like tools) GONE because Monero ACTUALLY would change the paradigm.
By the time they are done with their "recommendations" (which really mean: comply, or else...), mark my words, there will be a name behind every Bitcoin address in some centralized database, query-able by partners in deciding who can and cannot use the system.
Merchants will be forced to perform chain analysis and by law they will be compelled to reject/refund/report transactions coming from "anonymous clusters" (addresses that are not known to have an identity tied to them).
This is what the normalization of the lack of privacy has brought us.
The possibility was there, and they took it. Of course they did.
I repeat, it is no accident that it's not Dogecoin and Nano, Bitcoin or Litecoin being delisted.
The star of the show (for better or for worse) is Monero, and that is because it works.
It lets you transact anonymously and privately, like cash - why the hell should FATF know that you sent $500 to your mother last week? in fact, why the hell should they know your entire financial history?!
When cash goes (and we can be fairly certain that it will be gone; would already be gone if this sort of authoritarian mindset had its way), Monero or tools like Monero, will become the only way to make any transaction outside the eyes of the state.
It's not because you have anything (nefarious) to hide. It's not because you're a criminal.
Rather, it's because to accept anything else is to bow to tyranny.
It's your choice to make - are you meekly going to accept that in perhaps less than a decade there will be zero privacy and anonymity in financial matters, or are you going to fight back?
Will you organize, campaign, email, discuss, spread awareness?
Will you spend precious summer Sunday afternoons writing for strangers on the Internet trying to help a few more see the major shit-show we're headed into?
Or will you be a good boy and do what you're told?
Tomorrow, by the way - if left unchallenged - it won't just be financial privacy that disappears.
One of the most prominent examples in the introductory part of this post (Australia) has already made quite clear that they don't like the fact that people can hide things from them (encryption).
In other words, either they know about it (and archive it forever), or you better let them know. After all, a threat - any threat! - could be lurking somewhere in that encrypted data. And you have nothing to hide anyway, yes?
This is a cryptocurrency sub though so let's not steer too far from that. It is important to remember that ultimately the issue is the same though - totalitarian control over everyone's life; mass-surveillance, and the ability to rewind and see someone's entire life exposed for the benefit of the state.
Their actions are letting you know what really works and what really threatens the status quo. That is useful information.
If you care at all about the freedom and privacy of your future self, your friends and family, children present or future, I think you would do well to think long and hard about these issues.
Because the direction assumed by the most prominent regulators seems to be headed in a uniform direction - that is no surprise, seeing as how they meet with each other.
You have to ask yourself though, is this for your benefit, your safety?
Or is it to keep the statuo quo?
How would the world be different if human beings - regardless of color, nationality, age, sexual orientation, political beliefs- with an Internet connection could freely exchange value privately and anonymously (the way we can still communicate private and anonymously in most places today - though not so in authoritarian places like China, AND THAT IS NOT A COINCIDENCE)?
It would be instant, like an instant message. It would cost very little.
Well, I have news for you: It's already possible, and a growing number of people are realizing this.
This tool is called Monero. It exists today, and the cat is out of the bag. The technology will only get better, and more interesting tools may even come along later.
In fact, barring mass persecution of open-source developers, that is very likely what is going to happen, as ultrasmart people everywhere congregate in virtual spaces to discuss better ways to do stuff.
If we keep losing our right to be left alone until suspected of a crime, life will increasingly come to resemble what the regulator types are - consciously or unconsciously - creating: a Panopticon society.
If you don't speak up, then the decision has already been made - and you're probably going to live to regret being complicit in it.
Freedom or Tyranny. It's your choice to make.
p.s: Yes, totally failed at making this short. I guess it's just not my thing.
submitted by xmr_kayront to CryptoCurrency [link] [comments]

How YFI came out of nowhere to become the fastest coin to reach $1B and the fastest coin to ever get listed on Coinbase

Note: As mentioned to the original 624 Reddit subscribers, there will be $YFI based Exclusive Original Content released here by myself and others from time to time. These kinds of interactive Deep Dives with a Q&A with fellow Investors / Beta Testers right afterwards is a rare thing in Crypto, and will only be found with this level of immediacy, social interaction, permanence, depth, and complexity of analysis and feedback on a platform like Reddit.

A lot of projects have low innovation, just copying something that someone else has already done, but with small tweaks to things like variables in Smart Contracts. A few rare projects have genuine innovation, providing genuine value to investors and users by providing attractive new products that simplify a lot of things in this space.
Even rarer are the Unicorns that not only have innovation, but they have innovation in spades, oozing out of every pore. $YFI is one of these types of Unicorns. The scope of products and rapidity of release of new revolutionary products of this project has been simply unmatched in the short history of Crypto.
Since 2009, the world of crypto has never seen anything like this lightning fast pace of development spanning such a wide scope of products - optimized automated yield farming and lending that relentlessly hunts the best yields, crypto insurance on Smart Contracts, a revolutionary Stablecoin idea that essentially makes a USD altcoin "smart" with built-in yield farming capabilities for the first time, to name a few - all built by a genius Smart Contract Builder who provided the world the first Fair Launch token.
Key to wrapping your head around the advantages that the yEarn Finance ecosystem has over - well, every single other option out there at this time - are the concepts below:

  1. CeFi vs. DeFi
  2. Composability
  3. Smart Contract Stacking
  4. The power of a Talented and Diverse DAO

To discuss these concepts, and to educate beginners, we have to understand what the terms above truly mean. This post doesn't discuss any particular products and their advantages, only the systemic advantages that are available only to $YFI. This project seems to attract the smartest and the highest risk taking of crypto investors, and an important thing in truly understanding all of the risks involved, is that you have to know the terms and concepts first. Even veteran crypto and DeFi users may be thrown for a loop by some of the innovative products and concepts that keep coming out of the YFI Labs.
This project is going through an expansion phase, where the scope of everything and the reach of the various released products is increasing (Insurance, A truly pegged Stablecoin, yETH Version 2, ySwap, yLiquidate, etc, etc..)
You know that there's some motherforker or twenty that is now just avidly waiting for every piece of code that Andre drops onto GitHub, so that they can be among the first to copy it verbatim then claim it as "their own variation" because they changed some variables and titles. Yawn.
From the definitive glossary for the DeFi space - yet another $YFI innovation - I'll list their definitions below. These may not be their final definitions when I finish any V1.1 edits to it, but they're good enough for now, and at least 3 or more YFI Dev Team members have read, reviewed, or edited these definitions. I've also invited my fellow Beta testers to provide comments to my RFC on this subreddit and in the Governance forum (among the documentation volunteers).
Yes, this is how early DeFi investors are in the development and maturation of the DeFi space. Anyone reading this right now is so early into DeFi's evolution that the terms used for this space are literally still being finalized by the community.
I've given a little bit of a sneak peek into how technical documentation is somehow self-organized in a powerful DAO such as this one. In this example, it starts off with a call for help on Twitter to improve our documentation by tracheopteryx. Interested and qualified volunteers show up (or don't) when such a call is made.
Your writers and editors have spent many a moment pondering off into space debating whether this term really means this or that, or if the term was either succinctly described, or fully sufficient. It's a usually thankless and anonymous job, that is critical in providing enough relevant information to its users and investors. [Note: Just like anything you see related to the $YFI project: You can help us improve this documentation - any of it - if you see errors or better ways of describing this information.]
All terms are shamelessly plagiarized from myself and my fellow writeeditors - u/tracheopteryx and Franklin - from the draft definitions in our new DeFi glossary: https://docs.yearn.finance/defi-glossary

1. CeFi vs. DeFi
CeFi - Centralized Finance. In terms of cryptocurrency, CeFi is represented by centralized cryptocurrency exchanges, businesses or organizations with a physical address, and usually with some sort of corporate structure. These CeFi businesses must follow all applicable laws, rules, and regulations in each country, state, or region in which they operate.
DeFi - DeFi, or Decentralized Finance, is at its root a set of Smart Contracts running independently on blockchains such as the Ethereum network. Smart Contracts may or may not interact with other smart contracts and even other blockchains.
The goal of DeFi is to enhance profitability of investors in DeFi through automated smart contracts seeking to maximize yields for invested funds. DeFi is marked by rapid innovative progression and testing of new ideas and concepts.
DeFi often involves high risk investing sometimes involving smart contracts that have not been audited or even thoroughly reviewed (a review is not as comprehensive as an audit, but may be also be included as part of an audit). Due to this and other reasons, DeFi is conventionally considered to be more risky than CeFi or traditional investing.
Comment: DeFi is higher risk, partly because it moves so fast. A lot of yams, hot dogs, and sushi can get lost when you move so fast that you can't even bother to do a thorough audit before releasing code. The cream of the crop projects will all have had multiple audits done by multiple independent auditors. Auditors are expensive. At such an embryonic stage, most projects can't afford to have one audit done let alone 5.
But if you can live with that higher risk intrinsic in DeFi and be willing to be a part of "testing in prod," then financial innovation can truly blossom. And if you let your best and brightest members of your community focus only on doing what they do best, then they don't have to bother to try to grow a business like a Bezos, Musk, or a Zuckerberg. Innovative entrepreneurs in this mold such as Andre, don't have to even try to do this business growth on their own because the DAO sets it up so that they don't have to do this. The DAO both grows the business while supporting and allowing these innovators to simply innovate, instead of trying to get nerds to do backroom deals to gain market share and access to new customers. It turns out that nerds are much more productive when you just let them be a nerd in their labs.

  1. Composability
Composability - The measure of the usability and ability of a product to be used as a building block (or "money lego") in the construction of other products or domains. A protocol that is simple, powerful, and that functions well with other protocols would be considered to have high composability.
Comment: The maturity of the cryptocurrency ecosystem and the evolution of composable building tools in the DeFi space now make new products and concepts available. $YFI would not have been possible only 2 or 3 years ago; the tools and ecosystem simply weren't ready for it yet.
This is why only now are you and many other now hearing about YFI. In 2018, Andre began providing free code reviews to Crypto Briefing. Andre had to learn to walk before he could run, and the composable tools needed to work on embryonic ideas in his head were simply not ready or available then. By reading and reviewing so many Smart Contracts he learned to recognize good code from bad code at what was still a very early stage in Smart Contract development in 2018, only 3 years after ETH's launch in July 2015.

  1. Smart Contract Stacking
Smart Contracts - A digital contract that is programmed in a language that is considered Turing complete, meaning that with enough processing power and time, a properly programmed Smart Contract should be able to use its code base and logical algorithms to perform almost any digital task or process. Ethereum's programming languages, such as Solidity and Vyper, are Turing complete.
Comment: Smart Contracts have actually gotten smarter since ETH launched in July 2015. It's because Smart Contract builders needed to learn Solidity and how it functions and interoperates before they could spread their wings as designers. With more time and experience under their belts, the early SC builders that stuck to it have gotten much better.
In Andre Cronje, we may have been witness to the rise of the next Satoshi or Vitalik of crypto. There is a reason that a couple of days ago, I counted 6 of 41 YF clones - nearly 15% - among the top gainers on the day. Success breeds copycats showing a ton of flattery. A smart contract is so smart, it can be used to be stacked upon other smart contracts such as at Aave or Maker.
True innovation takes time, sacrifice, blood, sweat, and tears. It does not come without cost to those doing the innovating.
There is not a single project in DeFi, CeFi, or even all of cryptocurrency that can claim the breadth and diversity of innovation and product reach that is found in the $YFI ecosystem. As a tech investor and professional nerd who's been involved at Research Labs and around product development and testing since before the year 2000. Prior to that I've ready widely and keenly to keep up with technological changes and assess investment potential in these disruptive changes nearly my whole life.
The amount of innovation shown in this project is breathtaking if you're a Tech or FinTech researcher. It's being released at a ridiculously rapid pace that is simply unmatched in any private or government research lab anywhere, let alone at any CeFi or traditional financial institution one can name. The only comparable levels of innovation shown by this young project is typically only seen during periods of epochal changes such as The Renaissance or times of strife and war, such as World War II.
Unless you've been in the industry and working with coders: I don't think those that haven't been around software development and testing can understand, can truly grasp that no one, no group does this. This isn't normal. This rapid-fire release of truly innovative code and intelligent strategies would have to be comparable to some of the greatest creative periods of human ingenuity and creativity. It's truly on par with periods of brilliance seen by thinkers like Newton, Einstein and Tesla, except with software code and concepts in decentralized finance. When the history of FinTech writes this chapter in its history, $YFI may need its own section or chapter.
Don't forget all of these financial instruments we take for granted all around us, all had a simple start somewhere, whether it was an IOU system of credit, insurance, stocks, bonds, derivatives, futures, options, and so on...they all started off as an idea somewhere that had to get tested sooner or later "in production."
One brilliant aspect of $YFI Smart Contracts is that they're built as a profitable layer atop existing DeFi protocols, extracting further value from base crypto assets and even primary crypto derivatives. $YFI is built atop existing smart contracts to create further value where there was none before, and help maximize gains for long term investors.

  1. The Power of a Talented and Diverse DAO
DAO - Distributed Autonomous Organization. The first DAO was started in 2016. According to Wikipedia's definition, it is an: "organization represented by rules encoded as a computer program that is transparent, controlled by the organization members and not influenced by a central government. A DAO's financial transaction record and program rules are maintained on a blockchain."
When implemented well, a DAO allows for real world experiments in decentralized democratic organization and control, with more freedom of action and less regulatory oversight for DAO controlled projects and products when compared to legacy corporate structures and organizations.
Comment: yEarn Finance has shown us what a properly motivated and sufficiently powerful DAO can do in a short amount of time.
There's many reasons why this project with an already profitable business model is the fastest original project in history to ever reach a $1B marketcap in any market - traditional or crypto - accomplishing this amazing feat in less than two months. There's reasons why this is probably the fastest coin in history to get listed on Coinbase in less than 2 months.
The power of a sufficiently talented and diverse development team and community is stunning in its power, speed, and ability to get things done quickly. There are risks aplenty with parts of this project, but $YFI is now seen as a "safe" place in DeFi, because you know you that as far as yield farming you probably couldn't do it better yourself unless you took a chance on unaudited code with anonymous Devs, or you were doing the trading equivalent of throwing darts blindfolded and somehow won, except that you even more improbably kept doing that over and over and winning.

Summary: There's reasons why YFI has been called the Bitcoin of DeFi and the Berkshire Hathaway Series A of crypto. I've listed some of the reasons above. The confluence of these 4 factors has helped lead to explosive growth for this project.
This isn't financial advice as I'm not a financial pro but make no mistake: as a Crypto OG around crypto since early 2013, who was deeply involved in multiple community projects as an early organizer, and who was a small investor during the DotCom era investing in early giants that went on to be gorillas, I don't say this lightly that the $YFI project is lightning in a bottle and a diamond in the rough.
What $YFI allows, when all is said and done, is the rapid fire implementation of great ideas that have gone through a rapid Darwinian evolution, where only the best ideas are implemented. Thoughts and ideas are powerful things. The valuation of this coin and ecosystem has to, it must take into account that this nascent financial innovation hub and ecosystem actually works and allows the best of these ideas to actually blossom rapidly.
You just don't find too many gems like this.
submitted by CryptoOGkauai to yearn_finance [link] [comments]

Max $5147, $1391 guaranteed- Webull, Porte,Worthy, SoFi Money/Invest/Loans, Chime, Public, Aspiration, FirstTrade, Dough, Stash, Voyager, Moomoo, Root, TradeUP, Robinhood,M1, Acorns, Chase Freedom, DiscoverIT, E*Trade, PMCU, SkyOne, Orchid, PersonalCap, Constant,Celsius,Crypto.com,Wings,Oxygen,Round

There are a lot of awesome referral opportunities out there, these are my personal favorites! All these offers (besides Gemini) are US only.

Stocks

Banks

Cryptocurrency

Credit Cards

Other

--Details on each offer below--

Stocks-

Webull

Webull is a commission free stock trading platform/app which is giving out 2 free stocks (worth $8-$1600 each) for opening an account via a referral link and making a $100 deposit.
Webull is available on iOS and Android, or you can use their website.
https://act.webull.com/kol-us/share.html?hl=en&inviteCode=PUnH4ruayL3j

Public

Public is another commission free stock trading app which gives you a free stock (valued up to $50) when you create an account via a referral link. No initial deposit is required.
Available on iOS or Android only.
http://share.public.com/rayruiu

FirstTrade

FirstTrade is a commission-free stock trading app which gives you a free stock (valued up to $200) when you open an account via a referral link. No initial deposit is required.
Available on iOS or Android only.
https://share.firstrade.com/MilaAQOK

Dough

Dough is a commission free stock trading app which gives you a free stock (valued $2- $200) when you open an account via a referral link. No initial deposit is required, though you need to deposit $25 in order to make your first withdrawal (you can also withdraw your initial $25 too).
Available for iOS or Android only.
https://dough.com/referrals?referral=XPSSX6DFNF&referredby=Mila

TradeUp

TradeUP is a commission free stock trading app which gives you a free stock (valued $2.50-250) for opening an account via a referral link. No deposit required.
Additionally, they will give you a second stock (valued $8-$1000) for making a $100 deposit.
Available for iOS or Android only.
https://tradeup.marsco.com/activity/market/us-open-price/#/share?invite=6NDX1U

Robinhood

Robinhood is a stock trading platform/app which gives you a free stock (valued $2.50 - $200) when you open an account via a referral link. No initial deposit is required.
Available on iOS and Android, or you can use their website.
https://invite.robinhood.com/amadeor3/

Acorns

Acorns is an online investing app (iOS or Android) which is offering a free $5 bonus for simply opening an account via a referral link, depositing $5, and keeping the money in the account until the 15th of the following month. You can then withdraw the money and close the account, fee free!
If you keep the account longer, they may charge you a $3 fee, so be sure to close it after the 15th on the following month from when you signed up.
Acorns is available on iOS and Android, or you can use their website.
https://www.acorns.com/invite/TLBCPD/

Moomoo

Moomoo is a commission free stock trading app which gives you a free stock (valued $10-$1000) for opening an account via a referral link and making a $500 deposit.
Moomoo is available on iOS or Android only.
https://j.moomoo.com/000LR3

M1 Finance

M1 Finance is an investing account, like Robinhood or Webull. If you open an account using a referral link, deposit $100 to a brokerage account, and keep that initial deposit in your account for 30 days, you will get a free $20 bonus that posts within 14 days.
M1 Finance is available on iOS or Android only.
https://m1.finance/J6aLCt6SRGdW

Round

Round is an online auto-investing app (iOS only) which is offering a free $20 bonus for simply opening an account via a referral link and depositing $500. Alternatively, you can get $100 if you deposit $10,000.
Round is available on iOS only.
https://app.investround.com/inviteCode/amadeo-r360s0

SoFi Invest

SoFi gives $50 for anyone who signs up for a SoFi Invest account via a referral link and deposits $1000. This offer stacks with the SoFi Money $25 offer (see details above), so you can do both!
Plus, you can get another $25 cash bonus when you buy $10 or more of crypto like Bitcoin, Litecoin or Ethereum. That's a total of $75 cash bonuses with SoFi Invest!
https://www.sofi.com/share/invest/2498539

E*Trade

E*Trade is one of the biggest stock trading platforms out there, and they are offering new users a cash bonus for opening an account using a referral code and depositing funds. Your cash bonus varies based on how much you deposit-
Reward Deposit Amount
$25 $5,000–$9,999
$50 $10,000-$24,999
$200 $25,000–$99,999
$300 $100,000–$249,999
$600 $250,000–$499,999
$1,200 $500,000–$999,999
$2,500 $1,000,000+
https://refer.etrade.net/amadeoruiu3

Personal Capital

Personal Capital is a finance tracking website similar to Mint but tailored for investment accounts. If you open an account and link a qualified investment account for tracking (e.g. taxable brokerage, 401k, IRA, 529, etc) with more than $1000 in it, they will give you a free $20 amazon gift card within a couple weeks.
Accounts that do not qualify as valid investment accounts include bank, credit or debit card, Paypal, Stash, Acorns, Kapitall, Groundfloor, WageWorks HSA, Coinbase, digital currency exchanges, and manual investment accounts. Robinhood works!
https://share.personalcapital.com/x/oGFEyl

Banks-

Porte

Porte is a bank/app which pays you a $50 bonus for opening an account via a referral code, and making a $500 direct deposit. There are no catches, and you can close the account at any time fee free as soon as you register their debit card (gotta wait a few days to get it in the mail).
A "direct deposit" technically means that they want you to deposit the money right from payroll, Social Security, or other direct payment, but you can actually meet this requirement simply by transferring in $500 from virtually any source including bank accounts, cashapp, etc.
Referral link- https://portebanking.app.link/es7KK8Fb69

SoFi Money

SoFi is a bank/app that give out $50 for anyone who signs up for a SoFi Money (bank) account using a referral code and deposits $500 from any source. So all you have to do is open an account with a referral link, deposit $500, and then instantly collect the bonus and then take it all back.
You can close the account at any time with no fees-
https://www.sofi.com/invite/money?gcp=e65d8ea1-fd35-40bc-b801-547c3fc6e749

Chime

Chime is a bank/app which pays you a $50 bonus for opening an account via a referral code making a $200 direct deposit. There are no catches, and you can close the account at any time fee free as soon as you register their debit card (gotta wait a few days to get it in the mail).
A "direct deposit" technically means that they want you to deposit the money right from payroll, Social Security, or other direct payment, but you can actually meet this requirement simply by transferring in $200 from virtually any source i.e. bank accounts, cashapp, etc.
https://chime.com/milazadrozny

Wings

Wings Financial Credit Union is a bank offering $50 for opening a checking account, setting up eDocuments, and either doing 5 debit card transactions of $5 or more (anything counts, including Amazon GC reloads), OR a direct deposit of $300+ in 60 days.
No fees, can withdraw and close account any time.
https://www.wingsfinancial/newcustform/109cb9ea

Aspiration

Aspiration is an online bank which is offering a free $50 bonus for simply opening an account via a referral link and spending $250, and an extra $100 for $1000 spend in 3 months.
So all you have to do is open a “Spend & Save” account using a referral link, spend $250/1000 using their debit card within 3 months, and then you will get $50/150 posted to your account! There are no fees to worry about! You can close the account fee free whenever you want!
https://my.aspiration.com/app/token/referral/232Y47KAE4OG8Y8W/

Stash

Stash is a finance app that gives out $20 for anyone who signs up for the Stash (bank) or Stash Invest account via my referral link and deposits at least $5 from any source (payroll, another bank account, PayPal, etc.) So all you have to do is open an account with a referral link, deposit $5, and then the bonus will post to your account!
The app will ask you to open a paid account, but you can simply open a "beginner" account for $1 a month, and then close your account after 1 month after you get your $20 bonus.
https://get.stashinvest.com/amadeowpr10

SkyOne

SkyOne is a credit union which will pay you a $25 bonus for opening a checking account with a referral link, making a $5 opening deposit, and keeping your account open for at least 30 days.
This credit union services the SoCal area, but anyone nationwide can sign up if you follow the steps detailed below. People are normally required to make a donation to a local charity to qualify for a local credit union bank account when they don't live in the area, but SkyOne will actually pay for a donation to the "Surfrider Foundation" themselves because they want everyone on the US to be eligible! In other words, you don't have to spend a dime! Simply click ("None of the above? We've got you! SkyOne will make a one-time donation to one of the following non-profits") on the eligibility page when signing up.
https://refer.skyone.org/amadeoruiu3

Premier Members Credit Union

Premier Members Credit Union is a credit union which will pay you a $50 bonus for opening a money market account with a referral link, and making a $5 opening deposit. They will also require you to open a savings account alongside the money market account, which also requires a $5 opening deposit.
They are located in Boulder Colorado, but will allow anyone to create an account with them as long as you make a $5 donation to one of their local charities (they walk you through it during account signup). That's a total profit of $45!
And you can close the account at any time, fee free!
referral link (please remember to use my referral code during the account setup too)- https://www.pmcu.org/referred-by-a-friend/VFVJEVQQQ/

Oxygen

Oxygen is a mobile banking app that will pay you $25 for opening an account, depositing $200, and doing 5 debit card transaction within 60 days (You can just buy 5 $1 Amazon GC's reloads, they don't care what the purchase is. Lots of different ways to easily getr this). PM me for a link.

Cryptocurrency-

Voyager

Voyager is a crypocurrency trading app (iOS/Android only) which will pay you $25 in free bitcoin for trading $100 on the app! Make sure to use the referral code "AMA60T" in the “Reward Code” field when you create your account. The bonus posts within a couple of days, from my experience.
Referral link-
iOS- https://apps.apple.com/us/app/voyager-buy-bitcoin-crypto/id1396178579
Android- https://play.google.com/store/apps/details?id=com.investvoyager

Constant

Constant is a cryptocurrency P2P investing platform which will give you $10 for signing up using a referral link, verifying your ID (pass KYC), and depositing $10.
So all you have to do is open an account using a referral link, verify your ID, deposit $10 via any means, and then you will get a $10 bonus that posts instantly and you can withdraw to your bank immediately. No deposit required.
https://www.myconstant.com?r=annoyedproduct

Celsius

Celsius is a cryptocurrency investing platform which will give you $40 for signing up using a referral code and depositing $200 worth of cryptocurrency. To get the full $40, enter the code "SUMMER" before making your first deposit. You must keep your deposit in the app for 30 days to get the full $40 bonus. You get $20 for the normal referral program and the additional $20 for entering the "SUMMER" code.
You can then withdraw the full $240 and close your account fee free.

Crypto.com

Crypto.com is a cryptocurrency investing platform which will give you $50 for signing up using a referral link, and "staking (aka, buying and holding) 1000 CRO (their special cryptocurrency, worth approximately $170) for 6 months. You need to apply for their "Ruby Steel" debit card when applying, its a 0 risk debit card, no credit impact, no fees. Combo's well with the Celsius promo if you need a platform to send cryptocurrency from, and you can send the $50 bonus crypto to celsius instantly.

Gemini

Gemini is a cryptocurrency trading app/websitewhich will give you $10 worth of bitcoin for signing up using a referral link and buying/selling $100 worth of cryptocurrency.
Unlike the other offers listed here, this one can be used anywhere in the US (except NY), as well as Puerto Rico, Australia, Canada, Hong Kong, Singapore, South Korea, and the United Kingdom. This bonus posts VERY quickly, within a day or two.
https://gemini.com/share/rllzke26

Coinbase

Coinbase is a cryptocurrency trading platform which will pay you $10 in free bitcoin for trading $100 on the platform!
I would be grateful if you used my referral link- https://www.coinbase.com/join/ruiu_8
They will also give you $12 worth of the "Orchid" cryptocurrency (which can be immediately re-sold for cash) if you watch 3 short videos and answer 3 easy questions.
https://coinbase.com/earn/oxt/invite/t0wvs4k2

Credit Cards-

Chase Freedom

Chase will pay you $200 for signing up for a Chase Freedom Unlimited credit card with a referral link and spending $500 it within the first 3 months. This is one of the best credit card bonuses in the industry!
All you have to do is sign up for a Chase Freedom Unlimited credit card using my referral link, spend $500 within the first 3 months, and then get your $200! You can cancel the card at any time with no fees or penalties.
https://www.referyourchasecard.com/18/ONLMEFPEFJ

Discover IT

Discover will pay you $50 for signing up for a Discover IT credit card with a referral link and making ANY purchase using it within the first 3 months. This is one of the easiest credit card bonuses in the industry!
All you have to do is sign up for a Discover IT credit card using my referral link, make ANY purchase using it within the first 3 months, and then get your $50! You can cancel the card at any time fee free.
https://refer.discover.com/s/hhti4m

Other-

Root

Root is an auto insurance app(iOS/Android) that will pay you $25 to download their app, let it track your driving for 3-4 weeks, and then offer you an auto insurance policy based on your driving data. You can easily ignore their policy offer, take the bonus, and walk away with the $25 bonus which then then go to your PayPal account, sent as a check, etc.
https://rootbonus.com/AmadeoRuiu

Worthy Bonds

Worthy Bonds is a finance app(iOS/Android) that will give you a free $10 bond to download their app, and open an account using a referral code. You never have to deposit any money into the account to get the bonus. You can sell the bond and take out the money after 90 days. The bond will also earn 5% yearly interest while you wait to withdraw.
https://worthybonds.com/?r=etyji

SoFi Loans

SoFi loans is offering a $300 bonus for people who opens a new personal loan or refinance an existing student loan.
You should research the pros and cons of student loan refinancing before you consider this option, You can lower your interest rate, but lose some benefits from the federal government. Whether this is worth it to you will depend on individual circumstances.
There's also the option of taking out a SoFi loan.
www.sofi.com/share/2498539?src=copy
submitted by MarthaShaw to referralcodes [link] [comments]

Max $5147, $1391 guaranteed- Webull, Porte,Worthy, SoFi Money/Invest/Loans, Chime, Public, Aspiration, FirstTrade, Dough, Stash, Voyager, Moomoo, Root, TradeUP, Robinhood,M1, Acorns, Chase Freedom, DiscoverIT, E*Trade, PMCU, SkyOne, Orchid, PersonalCap, Constant,Celsius,Crypto.com,Wings,Oxygen,Round

There are a lot of awesome referral opportunities out there, these are my personal favorites! All these offers (besides Gemini) are US only.

Stocks

Banks

Cryptocurrency

Credit Cards

Other

--Details on each offer below--

Stocks-

Webull

Webull is a commission free stock trading platform/app which is giving out 2 free stocks (worth $8-$1600 each) for opening an account via a referral link and making a $100 deposit.
Webull is available on iOS and Android, or you can use their website.
https://act.webull.com/kol-us/share.html?hl=en&inviteCode=PUnH4ruayL3j

Public

Public is another commission free stock trading app which gives you a free stock (valued up to $50) when you create an account via a referral link. No initial deposit is required.
Available on iOS or Android only.
http://share.public.com/rayruiu

FirstTrade

FirstTrade is a commission-free stock trading app which gives you a free stock (valued up to $200) when you open an account via a referral link. No initial deposit is required.
Available on iOS or Android only.
https://share.firstrade.com/MilaAQOK

Dough

Dough is a commission free stock trading app which gives you a free stock (valued $2- $200) when you open an account via a referral link. No initial deposit is required, though you need to deposit $25 in order to make your first withdrawal (you can also withdraw your initial $25 too).
Available for iOS or Android only.
https://dough.com/referrals?referral=XPSSX6DFNF&referredby=Mila

TradeUp

TradeUP is a commission free stock trading app which gives you a free stock (valued $2.50-250) for opening an account via a referral link. No deposit required.
Additionally, they will give you a second stock (valued $8-$1000) for making a $100 deposit.
Available for iOS or Android only.
https://tradeup.marsco.com/activity/market/us-open-price/#/share?invite=6NDX1U

Robinhood

Robinhood is a stock trading platform/app which gives you a free stock (valued $2.50 - $200) when you open an account via a referral link. No initial deposit is required.
Available on iOS and Android, or you can use their website.
https://invite.robinhood.com/amadeor3/

Acorns

Acorns is an online investing app (iOS or Android) which is offering a free $5 bonus for simply opening an account via a referral link, depositing $5, and keeping the money in the account until the 15th of the following month. You can then withdraw the money and close the account, fee free!
If you keep the account longer, they may charge you a $3 fee, so be sure to close it after the 15th on the following month from when you signed up.
Acorns is available on iOS and Android, or you can use their website.
https://www.acorns.com/invite/TLBCPD/

Moomoo

Moomoo is a commission free stock trading app which gives you a free stock (valued $10-$1000) for opening an account via a referral link and making a $500 deposit.
Moomoo is available on iOS or Android only.
https://j.moomoo.com/000LR3

M1 Finance

M1 Finance is an investing account, like Robinhood or Webull. If you open an account using a referral link, deposit $100 to a brokerage account, and keep that initial deposit in your account for 30 days, you will get a free $20 bonus that posts within 14 days.
M1 Finance is available on iOS or Android only.
https://m1.finance/J6aLCt6SRGdW

Round

Round is an online auto-investing app (iOS only) which is offering a free $20 bonus for simply opening an account via a referral link and depositing $500. Alternatively, you can get $100 if you deposit $10,000.
Round is available on iOS only.
https://app.investround.com/inviteCode/amadeo-r360s0

SoFi Invest

SoFi gives $50 for anyone who signs up for a SoFi Invest account via a referral link and deposits $1000. This offer stacks with the SoFi Money $25 offer (see details above), so you can do both!
Plus, you can get another $25 cash bonus when you buy $10 or more of crypto like Bitcoin, Litecoin or Ethereum. That's a total of $75 cash bonuses with SoFi Invest!
https://www.sofi.com/share/invest/2498539

E*Trade

E*Trade is one of the biggest stock trading platforms out there, and they are offering new users a cash bonus for opening an account using a referral code and depositing funds. Your cash bonus varies based on how much you deposit-
Reward Deposit Amount
$25 $5,000–$9,999
$50 $10,000-$24,999
$200 $25,000–$99,999
$300 $100,000–$249,999
$600 $250,000–$499,999
$1,200 $500,000–$999,999
$2,500 $1,000,000+
https://refer.etrade.net/amadeoruiu3

Personal Capital

Personal Capital is a finance tracking website similar to Mint but tailored for investment accounts. If you open an account and link a qualified investment account for tracking (e.g. taxable brokerage, 401k, IRA, 529, etc) with more than $1000 in it, they will give you a free $20 amazon gift card within a couple weeks.
Accounts that do not qualify as valid investment accounts include bank, credit or debit card, Paypal, Stash, Acorns, Kapitall, Groundfloor, WageWorks HSA, Coinbase, digital currency exchanges, and manual investment accounts. Robinhood works!
https://share.personalcapital.com/x/oGFEyl

Banks-

Porte

Porte is a bank/app which pays you a $50 bonus for opening an account via a referral code, and making a $500 direct deposit. There are no catches, and you can close the account at any time fee free as soon as you register their debit card (gotta wait a few days to get it in the mail).
A "direct deposit" technically means that they want you to deposit the money right from payroll, Social Security, or other direct payment, but you can actually meet this requirement simply by transferring in $500 from virtually any source including bank accounts, cashapp, etc.
Referral link- https://portebanking.app.link/es7KK8Fb69

SoFi Money

SoFi is a bank/app that give out $50 for anyone who signs up for a SoFi Money (bank) account using a referral code and deposits $500 from any source. So all you have to do is open an account with a referral link, deposit $500, and then instantly collect the bonus and then take it all back.
You can close the account at any time with no fees-
https://www.sofi.com/invite/money?gcp=e65d8ea1-fd35-40bc-b801-547c3fc6e749

Chime

Chime is a bank/app which pays you a $50 bonus for opening an account via a referral code making a $200 direct deposit. There are no catches, and you can close the account at any time fee free as soon as you register their debit card (gotta wait a few days to get it in the mail).
A "direct deposit" technically means that they want you to deposit the money right from payroll, Social Security, or other direct payment, but you can actually meet this requirement simply by transferring in $200 from virtually any source i.e. bank accounts, cashapp, etc.
https://chime.com/milazadrozny

Wings

Wings Financial Credit Union is a bank offering $50 for opening a checking account, setting up eDocuments, and either doing 5 debit card transactions of $5 or more (anything counts, including Amazon GC reloads), OR a direct deposit of $300+ in 60 days.
No fees, can withdraw and close account any time.
https://www.wingsfinancial/newcustform/109cb9ea

Aspiration

Aspiration is an online bank which is offering a free $50 bonus for simply opening an account via a referral link and spending $250, and an extra $100 for $1000 spend in 3 months.
So all you have to do is open a “Spend & Save” account using a referral link, spend $250/1000 using their debit card within 3 months, and then you will get $50/150 posted to your account! There are no fees to worry about! You can close the account fee free whenever you want!
https://my.aspiration.com/app/token/referral/232Y47KAE4OG8Y8W/

Stash

Stash is a finance app that gives out $20 for anyone who signs up for the Stash (bank) or Stash Invest account via my referral link and deposits at least $5 from any source (payroll, another bank account, PayPal, etc.) So all you have to do is open an account with a referral link, deposit $5, and then the bonus will post to your account!
The app will ask you to open a paid account, but you can simply open a "beginner" account for $1 a month, and then close your account after 1 month after you get your $20 bonus.
https://get.stashinvest.com/amadeowpr10

SkyOne

SkyOne is a credit union which will pay you a $25 bonus for opening a checking account with a referral link, making a $5 opening deposit, and keeping your account open for at least 30 days.
This credit union services the SoCal area, but anyone nationwide can sign up if you follow the steps detailed below. People are normally required to make a donation to a local charity to qualify for a local credit union bank account when they don't live in the area, but SkyOne will actually pay for a donation to the "Surfrider Foundation" themselves because they want everyone on the US to be eligible! In other words, you don't have to spend a dime! Simply click ("None of the above? We've got you! SkyOne will make a one-time donation to one of the following non-profits") on the eligibility page when signing up.
https://refer.skyone.org/amadeoruiu3

Premier Members Credit Union

Premier Members Credit Union is a credit union which will pay you a $50 bonus for opening a money market account with a referral link, and making a $5 opening deposit. They will also require you to open a savings account alongside the money market account, which also requires a $5 opening deposit.
They are located in Boulder Colorado, but will allow anyone to create an account with them as long as you make a $5 donation to one of their local charities (they walk you through it during account signup). That's a total profit of $45!
And you can close the account at any time, fee free!
referral link (please remember to use my referral code during the account setup too)- https://www.pmcu.org/referred-by-a-friend/VFVJEVQQQ/

Oxygen

Oxygen is a mobile banking app that will pay you $25 for opening an account, depositing $200, and doing 5 debit card transaction within 60 days (You can just buy 5 $1 Amazon GC's reloads, they don't care what the purchase is. Lots of different ways to easily getr this). PM me for a link.

Cryptocurrency-

Voyager

Voyager is a crypocurrency trading app (iOS/Android only) which will pay you $25 in free bitcoin for trading $100 on the app! Make sure to use the referral code "AMA60T" in the “Reward Code” field when you create your account. The bonus posts within a couple of days, from my experience.
Referral link-
iOS- https://apps.apple.com/us/app/voyager-buy-bitcoin-crypto/id1396178579
Android- https://play.google.com/store/apps/details?id=com.investvoyager

Constant

Constant is a cryptocurrency P2P investing platform which will give you $10 for signing up using a referral link, verifying your ID (pass KYC), and depositing $10.
So all you have to do is open an account using a referral link, verify your ID, deposit $10 via any means, and then you will get a $10 bonus that posts instantly and you can withdraw to your bank immediately. No deposit required.
https://www.myconstant.com?r=annoyedproduct

Celsius

Celsius is a cryptocurrency investing platform which will give you $40 for signing up using a referral code and depositing $200 worth of cryptocurrency. To get the full $40, enter the code "SUMMER" before making your first deposit. You must keep your deposit in the app for 30 days to get the full $40 bonus. You get $20 for the normal referral program and the additional $20 for entering the "SUMMER" code.
You can then withdraw the full $240 and close your account fee free.

Crypto.com

Crypto.com is a cryptocurrency investing platform which will give you $50 for signing up using a referral link, and "staking (aka, buying and holding) 1000 CRO (their special cryptocurrency, worth approximately $170) for 6 months. You need to apply for their "Ruby Steel" debit card when applying, its a 0 risk debit card, no credit impact, no fees. Combo's well with the Celsius promo if you need a platform to send cryptocurrency from, and you can send the $50 bonus crypto to celsius instantly.

Gemini

Gemini is a cryptocurrency trading app/websitewhich will give you $10 worth of bitcoin for signing up using a referral link and buying/selling $100 worth of cryptocurrency.
Unlike the other offers listed here, this one can be used anywhere in the US (except NY), as well as Puerto Rico, Australia, Canada, Hong Kong, Singapore, South Korea, and the United Kingdom. This bonus posts VERY quickly, within a day or two.
https://gemini.com/share/rllzke26

Coinbase

Coinbase is a cryptocurrency trading platform which will pay you $10 in free bitcoin for trading $100 on the platform!
I would be grateful if you used my referral link- https://www.coinbase.com/join/ruiu_8
They will also give you $12 worth of the "Orchid" cryptocurrency (which can be immediately re-sold for cash) if you watch 3 short videos and answer 3 easy questions.
https://coinbase.com/earn/oxt/invite/t0wvs4k2

Credit Cards-

Chase Freedom

Chase will pay you $200 for signing up for a Chase Freedom Unlimited credit card with a referral link and spending $500 it within the first 3 months. This is one of the best credit card bonuses in the industry!
All you have to do is sign up for a Chase Freedom Unlimited credit card using my referral link, spend $500 within the first 3 months, and then get your $200! You can cancel the card at any time with no fees or penalties.
https://www.referyourchasecard.com/18/ONLMEFPEFJ

Discover IT

Discover will pay you $50 for signing up for a Discover IT credit card with a referral link and making ANY purchase using it within the first 3 months. This is one of the easiest credit card bonuses in the industry!
All you have to do is sign up for a Discover IT credit card using my referral link, make ANY purchase using it within the first 3 months, and then get your $50! You can cancel the card at any time fee free.
https://refer.discover.com/s/hhti4m

Other-

Root

Root is an auto insurance app(iOS/Android) that will pay you $25 to download their app, let it track your driving for 3-4 weeks, and then offer you an auto insurance policy based on your driving data. You can easily ignore their policy offer, take the bonus, and walk away with the $25 bonus which then then go to your PayPal account, sent as a check, etc.
https://rootbonus.com/AmadeoRuiu

Worthy Bonds

Worthy Bonds is a finance app(iOS/Android) that will give you a free $10 bond to download their app, and open an account using a referral code. You never have to deposit any money into the account to get the bonus. You can sell the bond and take out the money after 90 days. The bond will also earn 5% yearly interest while you wait to withdraw.
https://worthybonds.com/?r=etyji

SoFi Loans

SoFi loans is offering a $300 bonus for people who opens a new personal loan or refinance an existing student loan.
You should research the pros and cons of student loan refinancing before you consider this option, You can lower your interest rate, but lose some benefits from the federal government. Whether this is worth it to you will depend on individual circumstances.
There's also the option of taking out a SoFi loan.
www.sofi.com/share/2498539?src=copy
submitted by MarthaShaw to referralcodes [link] [comments]

Max $5147, $1391 guaranteed- Webull, Porte,Worthy, SoFi Money/Invest/Loans, Chime, Public, Aspiration, FirstTrade, Dough, Stash, Voyager, Moomoo, Root, TradeUP, Robinhood,M1, Acorns, Chase Freedom, DiscoverIT, E*Trade, PMCU, SkyOne, Orchid, PersonalCap, Constant,Celsius,Crypto.com,Wings,Oxygen,Round

There are a lot of awesome referral opportunities out there, these are my personal favorites! All these offers (besides Gemini) are US only.

Stocks

Banks

Cryptocurrency

Credit Cards

Other

--Details on each offer below--

Stocks-

Webull

Webull is a commission free stock trading platform/app which is giving out 2 free stocks (worth $8-$1600 each) for opening an account via a referral link and making a $100 deposit.
Webull is available on iOS and Android, or you can use their website.
https://act.webull.com/kol-us/share.html?hl=en&inviteCode=PUnH4ruayL3j

Public

Public is another commission free stock trading app which gives you a free stock (valued up to $50) when you create an account via a referral link. No initial deposit is required.
Available on iOS or Android only.
http://share.public.com/rayruiu

FirstTrade

FirstTrade is a commission-free stock trading app which gives you a free stock (valued up to $200) when you open an account via a referral link. No initial deposit is required.
Available on iOS or Android only.
https://share.firstrade.com/MilaAQOK

Dough

Dough is a commission free stock trading app which gives you a free stock (valued $2- $200) when you open an account via a referral link. No initial deposit is required, though you need to deposit $25 in order to make your first withdrawal (you can also withdraw your initial $25 too).
Available for iOS or Android only.
https://dough.com/referrals?referral=XPSSX6DFNF&referredby=Mila

TradeUp

TradeUP is a commission free stock trading app which gives you a free stock (valued $2.50-250) for opening an account via a referral link. No deposit required.
Additionally, they will give you a second stock (valued $8-$1000) for making a $100 deposit.
Available for iOS or Android only.
https://tradeup.marsco.com/activity/market/us-open-price/#/share?invite=6NDX1U

Robinhood

Robinhood is a stock trading platform/app which gives you a free stock (valued $2.50 - $200) when you open an account via a referral link. No initial deposit is required.
Available on iOS and Android, or you can use their website.
https://invite.robinhood.com/amadeor3/

Acorns

Acorns is an online investing app (iOS or Android) which is offering a free $5 bonus for simply opening an account via a referral link, depositing $5, and keeping the money in the account until the 15th of the following month. You can then withdraw the money and close the account, fee free!
If you keep the account longer, they may charge you a $3 fee, so be sure to close it after the 15th on the following month from when you signed up.
Acorns is available on iOS and Android, or you can use their website.
https://www.acorns.com/invite/TLBCPD/

Moomoo

Moomoo is a commission free stock trading app which gives you a free stock (valued $10-$1000) for opening an account via a referral link and making a $500 deposit.
Moomoo is available on iOS or Android only.
https://j.moomoo.com/000LR3

M1 Finance

M1 Finance is an investing account, like Robinhood or Webull. If you open an account using a referral link, deposit $100 to a brokerage account, and keep that initial deposit in your account for 30 days, you will get a free $20 bonus that posts within 14 days.
M1 Finance is available on iOS or Android only.
https://m1.finance/J6aLCt6SRGdW

Round

Round is an online auto-investing app (iOS only) which is offering a free $20 bonus for simply opening an account via a referral link and depositing $500. Alternatively, you can get $100 if you deposit $10,000.
Round is available on iOS only.
https://app.investround.com/inviteCode/amadeo-r360s0

SoFi Invest

SoFi gives $50 for anyone who signs up for a SoFi Invest account via a referral link and deposits $1000. This offer stacks with the SoFi Money $25 offer (see details above), so you can do both!
Plus, you can get another $25 cash bonus when you buy $10 or more of crypto like Bitcoin, Litecoin or Ethereum. That's a total of $75 cash bonuses with SoFi Invest!
https://www.sofi.com/share/invest/2498539

E*Trade

E*Trade is one of the biggest stock trading platforms out there, and they are offering new users a cash bonus for opening an account using a referral code and depositing funds. Your cash bonus varies based on how much you deposit-
Reward Deposit Amount
$25 $5,000–$9,999
$50 $10,000-$24,999
$200 $25,000–$99,999
$300 $100,000–$249,999
$600 $250,000–$499,999
$1,200 $500,000–$999,999
$2,500 $1,000,000+
https://refer.etrade.net/amadeoruiu3

Personal Capital

Personal Capital is a finance tracking website similar to Mint but tailored for investment accounts. If you open an account and link a qualified investment account for tracking (e.g. taxable brokerage, 401k, IRA, 529, etc) with more than $1000 in it, they will give you a free $20 amazon gift card within a couple weeks.
Accounts that do not qualify as valid investment accounts include bank, credit or debit card, Paypal, Stash, Acorns, Kapitall, Groundfloor, WageWorks HSA, Coinbase, digital currency exchanges, and manual investment accounts. Robinhood works!
https://share.personalcapital.com/x/oGFEyl

Banks-

Porte

Porte is a bank/app which pays you a $50 bonus for opening an account via a referral code, and making a $500 direct deposit. There are no catches, and you can close the account at any time fee free as soon as you register their debit card (gotta wait a few days to get it in the mail).
A "direct deposit" technically means that they want you to deposit the money right from payroll, Social Security, or other direct payment, but you can actually meet this requirement simply by transferring in $500 from virtually any source including bank accounts, cashapp, etc.
Referral link- https://portebanking.app.link/es7KK8Fb69

SoFi Money

SoFi is a bank/app that give out $50 for anyone who signs up for a SoFi Money (bank) account using a referral code and deposits $500 from any source. So all you have to do is open an account with a referral link, deposit $500, and then instantly collect the bonus and then take it all back.
You can close the account at any time with no fees-
https://www.sofi.com/invite/money?gcp=e65d8ea1-fd35-40bc-b801-547c3fc6e749

Chime

Chime is a bank/app which pays you a $50 bonus for opening an account via a referral code making a $200 direct deposit. There are no catches, and you can close the account at any time fee free as soon as you register their debit card (gotta wait a few days to get it in the mail).
A "direct deposit" technically means that they want you to deposit the money right from payroll, Social Security, or other direct payment, but you can actually meet this requirement simply by transferring in $200 from virtually any source i.e. bank accounts, cashapp, etc.
https://chime.com/milazadrozny

Wings

Wings Financial Credit Union is a bank offering $50 for opening a checking account, setting up eDocuments, and either doing 5 debit card transactions of $5 or more (anything counts, including Amazon GC reloads), OR a direct deposit of $300+ in 60 days.
No fees, can withdraw and close account any time.
https://www.wingsfinancial/newcustform/109cb9ea

Aspiration

Aspiration is an online bank which is offering a free $50 bonus for simply opening an account via a referral link and spending $250, and an extra $100 for $1000 spend in 3 months.
So all you have to do is open a “Spend & Save” account using a referral link, spend $250/1000 using their debit card within 3 months, and then you will get $50/150 posted to your account! There are no fees to worry about! You can close the account fee free whenever you want!
https://my.aspiration.com/app/token/referral/232Y47KAE4OG8Y8W/

Stash

Stash is a finance app that gives out $20 for anyone who signs up for the Stash (bank) or Stash Invest account via my referral link and deposits at least $5 from any source (payroll, another bank account, PayPal, etc.) So all you have to do is open an account with a referral link, deposit $5, and then the bonus will post to your account!
The app will ask you to open a paid account, but you can simply open a "beginner" account for $1 a month, and then close your account after 1 month after you get your $20 bonus.
https://get.stashinvest.com/amadeowpr10

SkyOne

SkyOne is a credit union which will pay you a $25 bonus for opening a checking account with a referral link, making a $5 opening deposit, and keeping your account open for at least 30 days.
This credit union services the SoCal area, but anyone nationwide can sign up if you follow the steps detailed below. People are normally required to make a donation to a local charity to qualify for a local credit union bank account when they don't live in the area, but SkyOne will actually pay for a donation to the "Surfrider Foundation" themselves because they want everyone on the US to be eligible! In other words, you don't have to spend a dime! Simply click ("None of the above? We've got you! SkyOne will make a one-time donation to one of the following non-profits") on the eligibility page when signing up.
https://refer.skyone.org/amadeoruiu3

Premier Members Credit Union

Premier Members Credit Union is a credit union which will pay you a $50 bonus for opening a money market account with a referral link, and making a $5 opening deposit. They will also require you to open a savings account alongside the money market account, which also requires a $5 opening deposit.
They are located in Boulder Colorado, but will allow anyone to create an account with them as long as you make a $5 donation to one of their local charities (they walk you through it during account signup). That's a total profit of $45!
And you can close the account at any time, fee free!
referral link (please remember to use my referral code during the account setup too)- https://www.pmcu.org/referred-by-a-friend/VFVJEVQQQ/

Oxygen

Oxygen is a mobile banking app that will pay you $25 for opening an account, depositing $200, and doing 5 debit card transaction within 60 days (You can just buy 5 $1 Amazon GC's reloads, they don't care what the purchase is. Lots of different ways to easily getr this). PM me for a link.

Cryptocurrency-

Voyager

Voyager is a crypocurrency trading app (iOS/Android only) which will pay you $25 in free bitcoin for trading $100 on the app! Make sure to use the referral code "AMA60T" in the “Reward Code” field when you create your account. The bonus posts within a couple of days, from my experience.
Referral link-
iOS- https://apps.apple.com/us/app/voyager-buy-bitcoin-crypto/id1396178579
Android- https://play.google.com/store/apps/details?id=com.investvoyager

Constant

Constant is a cryptocurrency P2P investing platform which will give you $10 for signing up using a referral link, verifying your ID (pass KYC), and depositing $10.
So all you have to do is open an account using a referral link, verify your ID, deposit $10 via any means, and then you will get a $10 bonus that posts instantly and you can withdraw to your bank immediately. No deposit required.
https://www.myconstant.com?r=annoyedproduct

Celsius

Celsius is a cryptocurrency investing platform which will give you $40 for signing up using a referral code and depositing $200 worth of cryptocurrency. To get the full $40, enter the code "SUMMER" before making your first deposit. You must keep your deposit in the app for 30 days to get the full $40 bonus. You get $20 for the normal referral program and the additional $20 for entering the "SUMMER" code.
You can then withdraw the full $240 and close your account fee free.

Crypto.com

Crypto.com is a cryptocurrency investing platform which will give you $50 for signing up using a referral link, and "staking (aka, buying and holding) 1000 CRO (their special cryptocurrency, worth approximately $170) for 6 months. You need to apply for their "Ruby Steel" debit card when applying, its a 0 risk debit card, no credit impact, no fees. Combo's well with the Celsius promo if you need a platform to send cryptocurrency from, and you can send the $50 bonus crypto to celsius instantly.

Gemini

Gemini is a cryptocurrency trading app/websitewhich will give you $10 worth of bitcoin for signing up using a referral link and buying/selling $100 worth of cryptocurrency.
Unlike the other offers listed here, this one can be used anywhere in the US (except NY), as well as Puerto Rico, Australia, Canada, Hong Kong, Singapore, South Korea, and the United Kingdom. This bonus posts VERY quickly, within a day or two.
https://gemini.com/share/rllzke26

Coinbase

Coinbase is a cryptocurrency trading platform which will pay you $10 in free bitcoin for trading $100 on the platform!
I would be grateful if you used my referral link- https://www.coinbase.com/join/ruiu_8
They will also give you $12 worth of the "Orchid" cryptocurrency (which can be immediately re-sold for cash) if you watch 3 short videos and answer 3 easy questions.
https://coinbase.com/earn/oxt/invite/t0wvs4k2

Credit Cards-

Chase Freedom

Chase will pay you $200 for signing up for a Chase Freedom Unlimited credit card with a referral link and spending $500 it within the first 3 months. This is one of the best credit card bonuses in the industry!
All you have to do is sign up for a Chase Freedom Unlimited credit card using my referral link, spend $500 within the first 3 months, and then get your $200! You can cancel the card at any time with no fees or penalties.
https://www.referyourchasecard.com/18/ONLMEFPEFJ

Discover IT

Discover will pay you $50 for signing up for a Discover IT credit card with a referral link and making ANY purchase using it within the first 3 months. This is one of the easiest credit card bonuses in the industry!
All you have to do is sign up for a Discover IT credit card using my referral link, make ANY purchase using it within the first 3 months, and then get your $50! You can cancel the card at any time fee free.
https://refer.discover.com/s/hhti4m

Other-

Root

Root is an auto insurance app(iOS/Android) that will pay you $25 to download their app, let it track your driving for 3-4 weeks, and then offer you an auto insurance policy based on your driving data. You can easily ignore their policy offer, take the bonus, and walk away with the $25 bonus which then then go to your PayPal account, sent as a check, etc.
https://rootbonus.com/AmadeoRuiu

Worthy Bonds

Worthy Bonds is a finance app(iOS/Android) that will give you a free $10 bond to download their app, and open an account using a referral code. You never have to deposit any money into the account to get the bonus. You can sell the bond and take out the money after 90 days. The bond will also earn 5% yearly interest while you wait to withdraw.
https://worthybonds.com/?r=etyji

SoFi Loans

SoFi loans is offering a $300 bonus for people who opens a new personal loan or refinance an existing student loan.
You should research the pros and cons of student loan refinancing before you consider this option, You can lower your interest rate, but lose some benefits from the federal government. Whether this is worth it to you will depend on individual circumstances.
There's also the option of taking out a SoFi loan.
www.sofi.com/share/2498539?src=copy
submitted by MarthaShaw to Referral [link] [comments]

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