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eric fenman was 12 years old when he bought 1 000 worth of bitcoin in the summer of 2011. the world's first digital currency was 2 years old and trading for 10 a time when most folks if they knew about bitcoin at all associated with the dark web or the drug trade a month before he made the purchase he'd cut a deal with his parents if he could turn a 1 000 gift from his grandmother into one million dollars he wouldn't have to attend university by 2017 he'd won the agreement what's going on crypto sports fans my name is clay albright and welcome back to eos usa today we're taking a deep dive into proton chain but before we get started i want to take a quick opportunity to address the many boaters in the eos io ecosystem that have selected eos usa as a top block producer thank you thank you your vote matters in the dpos world we appreciate every single one of them our experience with you thus far has been simply amazing and it is our belief that this entire ecosystem is just getting started [Music] the world's youngest bitcoin millionaire recently announced his next big thing this article dated august 25th of 2019. the teenager who made millions on bitcoin is staking it all on this obscure token he's dumping all of his bitcoin holdings into metal a cryptocurrency that launched an ico in 2017. metal or mtl is the token behind metal pay a wallet that lets users store multiple coins and exchange them for usd seamlessly it makes crypto sexy finman said speaking of the application's sleek design i'm willing to stake it all on metal he said i'm converting all my crypto money into this coin metal is a coin that runs on ethereum chain finman added it won't be for long but he wouldn't give any more specifics so what is metals mission i quote they say the world revolves around money but what does money revolve around we say it revolves around people that our desires and experiences determine its value money is not the means to an end it's the means to a beginning we believe in a better world where money works for us and we don't work for money where we work for beliefs causes and people that's what we do at metal let's change the way the world views money it's time for a better world it's time for metal metal has established a reputation of making inroads for the cryptocurrency community whether that be through speaking to congress increasing crypto usability or lowering barriers to entry this article from may 18 2020 we are thrilled to announce that as of today metal and links have officially merged into one team this is one of the largest mergers in the cryptocurrency industry and a signal of amazing things to come additionally this was a merger that was carried out in the midst of the coven 19 crisis without missing a stride a unique example of how flexible and adaptable cryptocurrency companies can be metal founder and ceo marshall hayner was immediately impressed with what the lynx team had built once he saw how their products worked lynx is one of the most established and experienced decentralized application developers in the world may have a reputation for creating high functioning and beautiful products [Music] have you heard of eos links if you're an eos fan i would only assume at this point that you've possibly heard of them and tried out their mobile wallet it's probably one of my favorite go-to places right now because through the eoslinx wallet is access to several of the dapps that are currently available on the eos io platform we got a chance to sit down with fred and robin from eos links to talk about some of the new things that they're working on we're building this kind of desktop um a desktop app client plan right which is really unique it's a little bit like the app store you know user friendly you know app discovery so a lot of it's going to be driven by games but also we see ticketing as a big use case yeah so imagine having a ticket that's you know sitting inside your link's wallet right that you can just send just like you'd send a token to somebody you can send the ticket to someone you know it's it's all sort of in-line experience so we think that there's a better user experience out there and that's that's sort of what we're building with this desktop right lynx brings a powerhouse of developers ready to design and produce attractive functional and powerful products for users throughout the united states and around the world hayner said i immediately recognized that lynx had the design and engineering chops to build not only beautiful metal apple like product but also completely understood the concept of usability and beautiful ui and design the article then says the lynx team was equally impressed with what they saw at metal and were eager to join us in creating the future of finance we are thrilled to join metal says fred kruger executive chairman now at metal our two teams share a common vision for blockchain based payments and we're going to surprise the world with how easy it really can be mark may 18th 2020 in your calendars as the day that the future got one giant leap closer now that metal and links have officially joined forces what happens next will recreate how the world thinks about money security and privacy now we know what finman was talking about metal pay merges with links to join proton chain on the eosio protocol proton mainnet launched in may of 2020 with a core of 21 block producers the proton team is based in california with offices in north carolina korea and europe they believe that the blockchain industry as a whole has not focused enough on usability that is their number one goal every proton user is accessible through a simple at name system like at clay albright just like twitter accessing apps is also as easy as scanning a qr code and confirming transactions in your mobile app the core dna behind proton chain is user experience the mission is to open crypto to everybody on the planet cryptocurrency and in particular stable coins are going to be the basis for the next generation of digital payments our mission is to enable users to buy trade and use them anywhere and everywhere in the simplest possible way proton transactions happen fast in seconds not minutes sending value to any user or app anywhere in the world instantly they are dedicated to making it so everybody can quickly get going and actually use crypto [Music] peer-to-peer crypto payments platform metal pay has filed to become a national bank in the u.s this article dated february 4th 2021 on coindesk the startup filed a charter application for first blockchain bank and trust with the office of the comptroller of the currency ceo marshall hayner told coindesk its trust company would be incorporated in rapid city south dakota the proton chain was developed with the intent of recording payment pending transactions of fiat as well as crypto transactions metal pay will shortly file applications with the federal deposit insurance corporation or fdic and the federal reserve bank of san francisco favorable crypto banking guidance has sparked an inflow of industry charter applications in the past two months with paxos bitpay and now metal pay all seeking occ approval but haner said metal pay is the first to pursue full banking licensure it wants to accept cash deposits alongside the crypto and it wants those cash deposits to be insured by the fdic this would be the first fdic-insured crypto bank haner said adding depository insurance would give first blockchain a leg up in banking institutional clients that insurance would only apply to cash deposits however the application will now enter a 30-day public comment period before it can proceed for consideration haner expects occ to render a decision within 4 months in january of 2021 proton chain introduced long staking designed as the next evolution in staking long-staking allows users to lock in their funds to a smart contract guaranteed to beat the market performance of bitcoin by 50 they envision this as a way to gain exposure to an altcoin in this case proton or xpr while still having the security of the performance of bitcoin long-staking very interesting concept also in quarter one is the proton swap a cryptocurrency swapping tool with instant conversion and no gas fees with the ability to swap for single satoshis and small units of crypto this tool enables first of its kind micro transactions between blockchains switching on cryptocurrency deposits enables the proton wallet to receive crypto from different sources connecting it to the global cryptocurrency economy proton wrapped coins x coins will have the ability to generate regular recurring interest when held in the proton wallet this will act as a new sort of savings account even for the stable coins held in your wallet no long hashes no technical jargon created to be accessible by all simply download the proton wallet either from apple or google open the defy app on your desktop proton apps are built around the idea of small stablecoin micropayments proton allows you to accept payments within seconds zero fees this proton provides users with free accounts and enough resources to use defy applications without paying gas fees power users will be able to upgrade their free plan to have virtually unlimited transactions for a small monthly cost they believe that the blockchain industry as a whole has not focused enough on usability created to be accessible by all that is their number one goal every proton user is accessible through a simple name system just like twitter they are dedicated to making it so everybody can quickly get going and actually use crypto one of my favorite parts downloading the proton wallet was simply scanning a qr code to open the wallet and confirm payments proton transactions happen fast in seconds not minutes sending value to any user or app anywhere in the world instantly