bitcoin_payday

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It’s about to get much easier to be paid in bitcoin. Atlanta-based bitcoin payments platform BitPay recently introduced its Bitcoin Payroll API into limited beta and continues to expand its service. Previously, paying employees in bitcoin required that an employer have a high degree of technical competency and assume the currency risks associated with holding bitcoin. BitPay aims to solve both issues.

BitPay describes itself as the world’s largest digital currency payment processor. In the past, the company has worked mostly with ecommerce merchants and brick-and-mortar retailers (like car dealerships) that want to accept bitcoin without the currency risk, fraud risk, or chargeback risk. The company also allows these merchants to accept payments from “any country on earth.” BitPay recently crossed the 20,000 merchant milestone – it’s adding more than 1,000 merchants per week – and in January announced that is has yet to suffer any cases of fraud. (Hopefully it then knocked on the world’s largest piece of wood.)

By extending its well known payments service to payroll, BitPay is solving a second major problem slowing mainstream bitcoin adoption: Acquiring bitcoin can be a slow and cumbersome process. By receiving bitcoin directly from one’s employer, this problem is all but eliminated. There are questions, however, as to whether BitPay has access to enough bitcoin liquidity to deliver this service at scale, should it prove popular.

Accepting bitcoin from your employer is entirely optional. Under the BitPay system, employees can select to receive a portion or all of their salary (W2 employees only, currently) in bitcoin. Importantly, all salary payments are handled after tax, meaning that withholding and payments to federal and state tax authorities are handled in dollars. The net payment is then remitted to the employee in bitcoin or a combination of bitcoin and dollars.

BitPay explained its pricing mechanism to a potential beta partner, writing in an email:

[Employers] can specify the exact date and time at which the batch should be executed. At the time the batch begins execution, BitPay will compute the volume-weighted average price of bitcoin over the previous 24-hour period from your choice of one of two available bitcoin exchanges.

Of course accepting bitcoin in lieu of US Dollar payment has its risks. The most obvious risk is that bitcoin is still a new and highly speculative digital asset class which could lose significant value over short periods of time. Also, while the number of merchants accepting bitcoin is growing exponentially, there are still limits as to the real world commerce applications of bitcoin-denominated income. Finally, once you have your bitcoin wealth, there’s still the challenge of storing it securely – a process that’s getting easier but must continue to do so before mass adoption is feasible.

For this reason, it would seem prudent that employees who are so inclined to accept payment in bitcoin do so with only a fraction of their income. In this way, the bitcoin salary could be akin to common retirement withholdings, although obviously far more risky.

BitPay is still accepting trial participants, writing on its website:

BitPay is presently undergoing pre-availability testing of this API with a small number of clients. Our objective with this early round of testing is to validate the capabilities of the API and to tune the automated and business processes associated with this service. At the conclusion of testing we expect to make this API generally available. We do have room to add additional pre-availability testing partners.

The earliest public examples of companies paying their employees in bitcoin are the Internet Archive, which announced the policy in February 2012, and a Finnish dev shop which followed suit in March.

BitPay isn’t asking employers and employees to do anything that they’re not doing themselves. All 20 of the company’s own employees receive at least a portion of their salaries in bitcoin, while co-founder and CEO Tony Gallippi along with three other employees receive 100 percent of their after-tax pay in bitcoin. It was this internal demand that led to BitPay ultimately productizing its Bitcoin Payroll API.

The Atlanta-based startup has raised $2.5 million to date, including a May 2013 $2 million Seed round led by Founders Fund. Prior backers include CoinDesk founder Shakil Khan, SecondMarket and Bitcoin Investment Trust founder Barry Silbert, Automatic founder Matt Mullenweg, and Ashton Kutcher, among others. The company offers its platform on a SaaS basis, rather than charging fees on a per-transaction basis.

Bitcoin is slowly gaining support outside the realm of libertarian, tech early adopters. Services like the Bitcoin Payroll API and the standard BitPay payments platform is pushing the currency further into the mainstream.

Bitcoin payday

Whether you need a payday loan in Canada or in the USA you should always be informed about the lender you select. Transparency is key when selecting a cash advance company to borrow money from. This disclaimer is for educational uses only and should not be considered legal advice. Private Loan Shop has no official government affiliation but complies with both provincial and federal laws in Canada and the United States.

The APR | Representative APR ranges from 200% and 600%. The Annual Percentage Rate is the actual rate at that your online loan accrues and is based entirely upon a group of factors, including but not limited to the amount and interest attached to your loan, the term, repayment amounts and the payments schedules. Only the approving lender may give you your loan terms. By law, in Canada and the United States, the payday lender must provide the APR before you enter into any loan agreement. The owner/operator of this site is not a payday lender, loan broker or agent for any lender or loan broker. We do not have access to the particulars of your loan. Private Loan Shop facilitates the communication between yourself and eligible lenders. It is important to note that not all advance lenders can provide up to $1,500 and there is no guarantee that you will be accepted as approval depends entirely on your application details.

The Implications of Non-Payment | In the case that you do not repay your loan on or before the loan due date, your loan will be considered “delinquent” and will be subject to a fee defined by the lender. In addition, your bank will charge you an NSF (non sufficient funds) fee for the failed item. The rate of interest will continue to grow on the unpaid balance at a rate of up to 60% per year. In the event that you fail to repay your loan you will not be allowed to borrow from the lender again until you have paid of the balance in full. Only reputable collection agencies that comply with all lawful collections practices are employed and the customer’s credit rating may be negatively impacted if payment is not made in a timely fashion.

Collection Practices | Private Loan Shop collects information about you by and through your access to and use of this website and through your use of the Company’s referral services (“Company’s services”). Some of the provided information is collected through your submission of information when you submit your information on the Site. Any use of our services is entirely voluntary, and you are not required to provide any information to us unless you so choose to.

TAGS: Online Payday Loans, Canadian Cash Advance, Fast Payday Loans Canada, Loan Shop Online, Online Payday Loans Canada, Payday Loans Toronto, Online Loan

Finding the Next Bitcoin and do not miss its Payday

Finding the Next Bitcoin

Three Strategies for Choosing What Cryptocurrency to Invest in Next.

You’ve probably thought it at one point or another: “I missed the Bitcoin payday. How do I decide what cryptocurrency to invest in now that I know about the market?”what will be the Next Bitcoin

The bad news: It’s unlikely that any other cryptocurrency will see the same astronomical growth that Bitcoin experienced over the last few years, and impossible to predict it.

The good news: There’s still plenty of opportunities to invest in up-and-coming cryptocurrencies that could potentially bring you 10-100x returns. This comes with a heavy note of caution, because as you may know, cryptocurrencies are incredibly volatile. This is not investment advice, and you should gain/lose money on your own research and intuition.

In this article, we’ll go over some basic strategies you can follow when searching for what cryptocurrency to invest in next. We’re focusing on high risk, high reward options here. If you’re looking for general investment tips, you should check out our article on how to build a proper cryptocurrency portfolio instead.

Scour Initial Coin Offerings (ICOs)

Initial Coin Offerings (ICOs) have quickly become the standard for blockchain startups to raise funding for their project. In an ICO, the team hosts a crowdsale in which you purchase tokens that you can use on their platform. You can also trade these tokens in the secondary market (exchanges) after the ICO.

For example, Golem held an ICO to distribute the first GNT tokens. The purpose of these tokens is to purchase computing power in the Golem network, but traders also buy and sell them on exchanges.

Participating in ICOs can be a lucrative trading strategy. If you invested in the NEO crowdsale (at the time the project was called AntShares), your return on investment (ROI) would be

160,000% currently. Populous, about 5,000%. OmiseGo, around 4,000%. You get the picture.

ICO gains do come with the highest amount of risk, though. The majority of ICOs will fail, and already almost half have done so already.

ICO Research

It’s important that you do your due diligence when picking what cryptocurrency to invest in pre-ICO. There are a ton of things to look at when evaluating a cryptocurrency, but the most important attributes are:

• Team and advisors – The team should have experience in blockchain technology or at least the industry that they’re targeting. Preferably both. Having reputable advisors is also a strong sign that the ICO could succeed.
• Clear problem/solution – The project’s white paper should clearly define what problem the project is aiming to solve and how the cryptocurrency solves it. Make sure it’s not just a document full of marketing BS.
• Token distribution – The team should be distributing over fifty percent of the tokens to crowdsale participants if not much, much more. Be hesitant about projects in which the team and advisors keep a significant proportion of tokens.

Other things to take note of are: any notable partnerships, whether the team has already created a product, and the size of the industry they’re targeting. All of these things could lead to a favorable investment.

Check Lesser Known Exchanges

Even if you missed your chance to participate in an interesting ICO, you can still invest once the coin hits exchanges. At this time, there’s often a brief spike followed by an immediate dump as ICO investors look to cash-in on short-term gains. This is a prime opportunity to get coins you’re interested in for ICO-level (or even lower) prices.

Beyond the short post-ICO period, you still have time to invest in a coin before major exchanges begin to list it. Cryptopia and decentralized exchanges such as IDEX are goldmines for these types of coins. The same research strategies mentioned above apply to coins in this category as well.

Search through coins with a small market cap (

" Finding the Next Bitcoin" Originall Published at Coincentral here

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If you are at an office or shared network, you can ask the network administrator to run a scan across the network looking for misconfigured or infected devices.

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Bitcoin payday

Published: 15:59 BST, 30 November 2013 | Updated: 16:39 BST, 30 November 2013

Once seen widely as a currency attracting criminals, its reputation is now soaring - not to mention its price.

But users have reported several alarming recent thefts of Bitcoin, the digital currency taking the world by storm.

Invented in 2009, the global currency's anonymity and lack of control from any government makes it ideal for digital entrepreneurs, but also a prime target for hackers.

Vulnerable: Real-world bitcoins pictured in April. Hackers have attacked sites hosting the digital currency

In the most recent attack hackers stole 1,295 bitcoins worth more than $1 million from one of the world's biggest sites, the Coindesk news site reported.

The criminals attacked the servers of the Denmark-based Bitcoin Internet Payment System (BIPS), wiping its data.

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They weakened the site by launching a catastrophic denial of service attack - where a server is bombarded with data until it collapses - before stealing the virtual currency.

Chief executive Kris Henriksen said the attackers may have been from Russia and neighbouring countries, Coindesk reported.

He wrote on the Bitcoin Forum: 'Please be advised that attacks are not isolated to us and if you are storing larger amounts of coins with any third party you may want to find alternative storage solutions as soon as possible.'

Soaring: The value of Bitcoin in dollars has more than quadrupled in November. Source: CoinDesk Price Index

Security breach: Kris Henriksen, chief executive of the Danish Bitcoin Internet Payment System, said his site suffered a catastrophic hacking attack. He added: 'Several consumer wallets have been compromised'

A statement on the firm's website said: 'BIPS has been a target of a coordinated attack and subsequent security breached. Several consumer wallets have been compromised and BIPS will be contacting the affected users.

'As a consequence BIPS will temporarily close down the wallet initiative to focus on real-time merchant processing business which does not include storing of Bitcoins.

WORTH MORE THAN GOLD: THE RISING STAR OF VIRTUAL MONEY

Suddenly the world is fascinated with Bitcoin - which has soared in value since the start of November.

It is currently worth about $1,100 per coin and yesterday one coin was worth more than an ounce of gold for the first time, it's claimed.

And it is hitting 'real life', with a cash machine in Vancouver, Canada, and a sushi restaurant in San Francisco dispensing and accepting the currency.

The virtual money - whose value is determined by no government, instead by a peer-to-peer network of mainly anonymous users - was invented by Satoshi Nakamoto in 2009.

But that is not his real name - he, too, was anonymous.

The inventor released the coding for his currency in open-source form, and users can now create their own bitcoins.

It happens through a process called mining, which forces computers to solve algorithms so complex that the amount of power they take up limits how much currency can flood the market.

Its value works just like any undefinable commodity, with the same potential pitfalls.

In one of the most famous price bubbles, tulips took on enormous value in 17th Century Amsterdam with lovers of the flowers remortgaging their houses - before the price suddenly collapsed.

'BIPS will consider to reintroduce the wallet initiative with a re-architected security model.'

Angry users of the currency took to forums to protest at the loss of their money, including an anonymous user who lost 90 bitcoins (about $100,000).

The user said people who were affected should file a class-action lawsuit.

He admitted Bitcoin was the 'wild west' of currency but said: 'I think it's reasonable, fair, and legal for the affected individuals to get together and try to negotiate as a group for some kind of compensation.'

Meanwhile Czech website bitcash.cz had its entire balance stolen - which last month was estimated at about $100,000.

A statement on the firm's website said: 'On November 11, in the evening, there was a security breach on our server.

'The unknown attacker managed to convert the entire. balances in users' wallets.'

It also comes after Australian site TradeFortress claimed $1.3 million of Bitcoin were stolen three weeks ago - just as the currency's value began soaring.

Several sites which have fallen victim to the hackers, including TradeFortress, have been forced to deny accusations of an 'inside job'.

Such was the case with the Polish website Bidextreme, which put a long statement on its website last week.

It said: 'It is understood that in this situation you expect a detailed explanation, but we cannot make public information such as what data has been lost, what has been recovered, at what stage the proceedings [are] because it will harm the investigation.

'Your speculation, allusions and often accusations directly, not having the slightest basis in reality and posted on the forum are very hurtful, bring chaos and anxiety, as well as damage [our] image.'

We understand your bitterness, but please refrain from drawing conclusions and issuing extrajudicial [action] until the end of proceedings.'

Global: Nara Sushi, a restaurant in San Francisco, has begun accepting Bitcoin despite the controversy

Meanwhile in a separate issue, an entrepreneur who makes physical bitcoins - Mike Caldwell, from Salt Lake City, Utah - suspended all new orders on Thursday over unspecified 'regulatory issues'.

A statement on his blog said: 'For the time being, I have suspended accepting new orders, pending resolution of some concerns I have as to regulatory issues.

'I am anticipating a possibility of having to prequalify buyers, and am holding off taking orders until I know for sure.'

What is Bitcoin?

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The value of digital currency Bitcoin is making headlines again.

Amid volatile trade in November and December, it hit a peak of more than $17,000 at one point - a staggering rise, given that it started the year at $1,000.

So what exactly is Bitcoin, and what's behind the buying frenzy?

What is Bitcoin?

There are two key traits of Bitcoin: it is digital and it is seen as an alternative currency.

Unlike the notes or coins in your pocket, it largely exists online. Although there are some specialist ATMs which issue bitcoins, it may be best to think of them as being more like virtual tokens.

And secondly, Bitcoin is not printed by governments or traditional banks.

That means it is "not legal tender, you can't pay your taxes or use it to settle debts", says Dr Garrick Hileman of the Judge Business School at University of Cambridge.

Bitcoins are created through a complex process known as "mining", and then monitored by a network of computers across the world.

There's a steady stream of about 3,600 new bitcoins a day - with about 16.5 million now in circulation.

However, like all currencies its value is determined by how much people are willing to buy and sell it for.

Why has it gone up so much this year?

No one is entirely sure. Some say it's a classic economic bubble: frenzied investors paying far more for an asset than it's worth for fear of missing out.

They put it in the same bracket as the mania for Dutch tulip bulbs in the 1630s or internet companies in the dot.com boom.

Others point to the growing prospect of Bitcoin crossing over into the financial mainstream.

"Speculation is a big part of this, but there are signs of growing use," says Dr Hileman.

He says there were between three and six million people around the world actively using crypto-currency in April.

"Today it's probably closer to 10 to 20 million, so it's a very quickly growing user base," he says. That's the equivalent of a population the size of the Netherlands or Chile.

There has also been a boost by some large financial institutions, like the owner of the Chicago Mercantile Exchange, getting into the space, he adds.

How do people buy Bitcoin?

There are now thousands of different crypto-currencies, but Bitcoin is still the best-known. To receive a bitcoin a user must have a Bitcoin address - a string of 27 to 34 letters and numbers.

This acts as a kind of virtual postbox to and from which the bitcoins are sent.

There is no registry linking real names to addresses, which helps some Bitcoin users to protect their anonymity. Bitcoin wallets store the addresses and are used to manage savings.

They operate like privately-run bank accounts - with the proviso that if the data is lost, so are the bitcoins owned. Increasingly, users are often asked for ID to open a wallet.

The rules underpinning Bitcoin say that only 21 million bitcoins can be created - and that figure is getting ever nearer. It is unclear what will happen to the value of bitcoins when that limit is reached.

Can they use bitcoins to buy things?

The anonymity afforded by digital currencies has attracted people wanting to make illegal purchases on the internet.

However, a small but growing number of recognised businesses now allow customers to buy goods and services with Bitcoin.

They range from multinational firms like Microsoft and travel booking site Expedia, through to small businesses using it as something of a novelty, such as a sushi restaurant in Cambridge or an art gallery in London.

It is not the same as established currencies, like the US dollar, which can be used across the world to buy a coffee or pay for a hotel room.

A 900% rise in one year for a traditional currency would have major repercussions for consumers' spending power and the businesses that accept it.

But many Bitcoin owners don't use it to buy things.

"The vast majority of users - I would estimate upwards of 80% or 90% - get into the space for investment reasons," says Dr Hileman.

"So you see the term 'crypto-asset' being used to describe Bitcoin more than 'crypto-currency' these days."

What concerns do regulators have?

At the moment Bitcoin is largely unregulated, says Bradley Rice, an expert in financial regulation at the law firm Ashurst.

It has been widely used on the dark web, which cannot be accessed via a normal internet browser without using a workaround.

There are also concerns about its volatility. The chart below compares Bitcoin to the pound and euro. All the values start at 100 to compare the currencies more clearly.

Because of Bitcoin's much faster growth, the chart uses a different approach on the y-axis where the smaller the gap, the faster the increase.

China and South Korea have serious worries. They have banned the launch of new virtual currencies via so-called "initial coin offerings" - where companies or individuals issue their own digital currencies for investors to buy - and have been shutting down exchanges on which they are traded.

The UK's Financial Conduct Authority warned investors in September they could lose all their money if they buy digital currencies issued by firms, known as "initial coin offerings".

But the underlying technology of Bitcoin is regarded by some major financial institutions as bullet-proof.

"That's potentially why financial regulators [in Europe] are adopting largely a 'wait and see' approach," says Mr Rice.

Is it all a bubble?

There is no shortage of financial journalists or experts saying Bitcoin's surge is a bubble.

"There may be good reasons for buying bitcoin," an article in The Economist said recently. "But the dominant reason at the moment is that it is rising in price."

Bitcoin has doubled in value in the space of a month - which has led some to argue it is too volatile to be seen as a currency, and warned that a crash is inevitable.

However, Bitcoin has been "declared dead" a few times already, says Dr Hileman.

"It's shown some resilience and bounced back from some near-death experiences," he says.

At the same time, many would agree this is "very bubbly", and he predicts we may see a "spectacular crash again in the not-too-distant future".

"So hang on tight if you are a holder of these currencies," he concludes.

Bitcoin payday

Whether you need a payday loan in Canada or in the USA you should always be informed about the lender you select. Transparency is key when selecting a cash advance company to borrow money from. This disclaimer is for educational uses only and should not be considered legal advice. Private Loan Shop has no official government affiliation but complies with both provincial and federal laws in Canada and the United States.

The APR | Representative APR ranges from 200% and 600%. The Annual Percentage Rate is the actual rate at that your online loan accrues and is based entirely upon a group of factors, including but not limited to the amount and interest attached to your loan, the term, repayment amounts and the payments schedules. Only the approving lender may give you your loan terms. By law, in Canada and the United States, the payday lender must provide the APR before you enter into any loan agreement. The owner/operator of this site is not a payday lender, loan broker or agent for any lender or loan broker. We do not have access to the particulars of your loan. Private Loan Shop facilitates the communication between yourself and eligible lenders. It is important to note that not all advance lenders can provide up to $1,500 and there is no guarantee that you will be accepted as approval depends entirely on your application details.

The Implications of Non-Payment | In the case that you do not repay your loan on or before the loan due date, your loan will be considered “delinquent” and will be subject to a fee defined by the lender. In addition, your bank will charge you an NSF (non sufficient funds) fee for the failed item. The rate of interest will continue to grow on the unpaid balance at a rate of up to 60% per year. In the event that you fail to repay your loan you will not be allowed to borrow from the lender again until you have paid of the balance in full. Only reputable collection agencies that comply with all lawful collections practices are employed and the customer’s credit rating may be negatively impacted if payment is not made in a timely fashion.

Collection Practices | Private Loan Shop collects information about you by and through your access to and use of this website and through your use of the Company’s referral services (“Company’s services”). Some of the provided information is collected through your submission of information when you submit your information on the Site. Any use of our services is entirely voluntary, and you are not required to provide any information to us unless you so choose to.

TAGS: Online Payday Loans, Canadian Cash Advance, Fast Payday Loans Canada, Loan Shop Online, Online Payday Loans Canada, Payday Loans Toronto, Online Loan

Finding the Next Bitcoin and do not miss its Payday

Finding the Next Bitcoin

Three Strategies for Choosing What Cryptocurrency to Invest in Next.

You’ve probably thought it at one point or another: “I missed the Bitcoin payday. How do I decide what cryptocurrency to invest in now that I know about the market?”what will be the Next Bitcoin

The bad news: It’s unlikely that any other cryptocurrency will see the same astronomical growth that Bitcoin experienced over the last few years, and impossible to predict it.

The good news: There’s still plenty of opportunities to invest in up-and-coming cryptocurrencies that could potentially bring you 10-100x returns. This comes with a heavy note of caution, because as you may know, cryptocurrencies are incredibly volatile. This is not investment advice, and you should gain/lose money on your own research and intuition.

In this article, we’ll go over some basic strategies you can follow when searching for what cryptocurrency to invest in next. We’re focusing on high risk, high reward options here. If you’re looking for general investment tips, you should check out our article on how to build a proper cryptocurrency portfolio instead.

Scour Initial Coin Offerings (ICOs)

Initial Coin Offerings (ICOs) have quickly become the standard for blockchain startups to raise funding for their project. In an ICO, the team hosts a crowdsale in which you purchase tokens that you can use on their platform. You can also trade these tokens in the secondary market (exchanges) after the ICO.

For example, Golem held an ICO to distribute the first GNT tokens. The purpose of these tokens is to purchase computing power in the Golem network, but traders also buy and sell them on exchanges.

Participating in ICOs can be a lucrative trading strategy. If you invested in the NEO crowdsale (at the time the project was called AntShares), your return on investment (ROI) would be

160,000% currently. Populous, about 5,000%. OmiseGo, around 4,000%. You get the picture.

ICO gains do come with the highest amount of risk, though. The majority of ICOs will fail, and already almost half have done so already.

ICO Research

It’s important that you do your due diligence when picking what cryptocurrency to invest in pre-ICO. There are a ton of things to look at when evaluating a cryptocurrency, but the most important attributes are:

• Team and advisors – The team should have experience in blockchain technology or at least the industry that they’re targeting. Preferably both. Having reputable advisors is also a strong sign that the ICO could succeed.
• Clear problem/solution – The project’s white paper should clearly define what problem the project is aiming to solve and how the cryptocurrency solves it. Make sure it’s not just a document full of marketing BS.
• Token distribution – The team should be distributing over fifty percent of the tokens to crowdsale participants if not much, much more. Be hesitant about projects in which the team and advisors keep a significant proportion of tokens.

Other things to take note of are: any notable partnerships, whether the team has already created a product, and the size of the industry they’re targeting. All of these things could lead to a favorable investment.

Check Lesser Known Exchanges

Even if you missed your chance to participate in an interesting ICO, you can still invest once the coin hits exchanges. At this time, there’s often a brief spike followed by an immediate dump as ICO investors look to cash-in on short-term gains. This is a prime opportunity to get coins you’re interested in for ICO-level (or even lower) prices.

Beyond the short post-ICO period, you still have time to invest in a coin before major exchanges begin to list it. Cryptopia and decentralized exchanges such as IDEX are goldmines for these types of coins. The same research strategies mentioned above apply to coins in this category as well.

Search through coins with a small market cap (

" Finding the Next Bitcoin" Originall Published at Coincentral here