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FAQs
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How can one be a successful luxury real estate agent?
Ah yes.The lifestyle of the rich and famous. Fast cars. Fancy outfits.Little stone statues at the front of the entryway. The allure is undeniable.And for real estate agents, the chance to eat a slice of the luxury pie is an alluring prospect indeed. ...Especially if that slice comes in the form of a 3% commission off of a multi-million dollar listing. But how does a realtor establish themselves as a luxury agent in the first place?Well, it’s not easy. You can obtain a GREL Certification, for starters.This will walk you down the path of becoming a legitimate, certified luxury real estate agent. But regardless, one thing is certain,To deal with luxury real estate, an agent needs to buckle down.Here are a five powerful tips that could fast track your goals to becoming a Luxury real estate agent.#1 YOU NEED TO KNOW WHAT YOU ARE DOINGBefore you even think of moving forward, ask yourself… do I know what I’m doing? There are many newbie real estate agents that jump from taking the test to becoming a luxury real estate agent.Unless you already have the background and experience in real estate, I strongly suggest you get some experience under your belt. That experience could help you avoid lawsuits and save you money.Simply taking 6 months to learn the ropes at a local real estate brokerage, while shadowing another successful luxury real estate agent, could be the difference in your failure or success. That extra experience will help you feel more confident when taking on a luxury listing and the mentor will help you develop the skills needed to be the greatest in your field.#2 YOU NEED TO LOOK THE PARTNormally we encourage real estate agents to relax and be themselves. Your clients will love you and appreciate your authenticity.Are you the laid back but trusted Realtor who wears jeans and flip flops every day? Show that in your marketing. Are you the young and modern Realtor with a focus on minimalism and technology? Show that in your marketing. I encourage agents to use their personality to market their businesses.However, when you are transitioning to luxury real estate, you need to figure out a way to make sure that your marketing and your style represents the luxury industry. Luxury real estate is a visual niche. The house, the car, the owners, the buyers and the agent all look the part.How to look like a luxury real estate agent? Here are some tipsPay for luxury branding – Make sure everything, from your website and business cards to your signs and advertising, is designed and printed to represent your luxury clientele.Dress to impress – Make sure your clothing is clean, pressed and tailored. First impressions go a long way when trying to win a listing. Just starting out? Purchase one or two neutral suits and multiple dress shirts/blouses. Keep them dry cleaned and wear those when meeting new clients or networking. The suits will be so neutral many won’t recognize you’ve worn it before. Switch up the blouses and/or dress shirts and you’ll always look professional and put together.Drive a nice car – It may sound vain, but in the luxury industry it is a necessity to make sure your car is nice, especially if you are driving luxury buyers around to look at homes. Your car should not only look nice but it should be clean and smell good as well. If you can't afford a luxury car, try Uber, a peer to peer taxi service, allows you to taxi luxury cars. Using Uber, you can sit in the back with your clients and they will get that luxury experience while going on walkthroughs.The only thing to look out for when using any taxi service is timing. This is why I don’t suggest using a taxi service when meeting with a seller unless you are paying them to wait for you outside. After presenting an amazing listing presentation you don’t want to be chilling around at a client’s house waiting for your ride.#3 YOU NEED TO UTILIZE THE LATEST IN REAL ESTATE TECHNOLOGYIf you want a luxury buyer to hire you as their agent or if you want to win a luxury listing, you need to show clients that you can provide them with the latest in real estate marketing and technology. Make sure you understand how to utilize the latest technology to find and market homes and that you can effectively combine that knowledge with traditional techniques.Remember, just having flashy tools isn’t enough. You need to know how to use them effectively to increase the client’s ROI.Technology Used by Luxury Real Estate AgentsElectronic signature softwareShowing feedback softwareInteractive yard signsBeautifully designed websites with powerful home search enginesActive social media and blogsCloud document storageVirtual phone numbersThe latest gadgets (Touch screen laptops, tablets, smartphones, etc.)#4 YOU NEED A LISTING PRESENTATION THAT WOWSTo win a luxury listing, you need to do more than click through a generic PowerPoint and pass out faded flyers and postcard examples. Instead – tweak your presentation to the property. Imagine the impression you’ll make when the seller sees a postcard with their house on it? And marketing that caters to their neighborhood and their current needs?Making those extra steps to personalize your listing presentation is worth the investment.Here are some key points to help you out.Pay for luxury branding – Make sure your listing presentation, listing package and examples are all professionally designed and printed to represent your luxury brand.Memorize your presentation – Although no two listing presentations will ever be the same, knowing the foundation of your presentation will be valuable. It will allow you to quickly and easily skip sections, answer questions without getting off-track and help you sound professional and knowledgeable about marketing real estate.Encourage participation – Get the sellers involved by allowing them to pretend to be buyers. Show them what happens when they text the number on the yard sign. Take them on a walk-through of their listings from your point of view. Luxury sellers are constantly being “sold” to. To get an edge, show them exactly why they should hire you. Actions speak louder than words.#5 YOU NEED TO SUPERCHARGE YOUR FOLLOW UPPotential clients searching for or selling traditional homes need basic follow-up strategies to convert them into clients. Those strategies include using the information collected in your CRM to send them email marketing, postcards and the occasional phone call.In retrospect, potential clients searching for or selling luxury homes need traditional follow-up combined with action to convert them into clients. Just sending a card that says happy birthday isn’t enough. For wealthy clients, sending gifts on birthdays and invitations to exclusive events in the area are key to establishing a healthy lead flow. Here are few tipsRemember the details – When you run into a potential luxury client, whether by chance or by a scheduled meeting, take notes and/or memorize the small details of their life. These small details include spouses, children, hobbies, vacation spots, etc. Make sure you put these things into your CRM and use these details to come up with innovative follow-up techniques.Use partner resources – Developing a lead funnel for luxury clients can be costly. This is why it is imperative to have partners that can provide discounts and resources to luxury amenities.The decision to buy and/or sell a luxury home isn’t an easy one. The real estate sales and lead cycle is already a long one – add in the luxury component and the lead cycle can be even longer. Don’t be discouraged if a potential client hasn’t responded after following up with them for longer than 3 months. Many times, they are busy, on vacation, or dealing with business. Unless they say “remove me from your list” keep marketing. You’ll be in the front of their minds when they are ready to hire a real estate professional.
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What's an explanation of dark matter in details, with very high accuracy?
To fulfill your stated requirements would require (1) a post the length of a book, and (2) a deeper understanding than I personally have. However, given that Quora is not the right place to write a book anyway, I may know enough to take a reasonable crack at this. With that said, though, if you're an actual expert on one of these areas and catch something I've explained incorrectly, please let me know in the comments so that I can fix it!Yes, it's still quite long, but keep in mind that this is the short version.What is Dark Matter (DM)?Dark Matter is just matter that doesn't interact via the Electromagnetic (EM) or Strong Nuclear forces. No EM interactions means that it can't give off light, or absorb light, or reflect, refract, or scatter light in any way. This, naturally, makes it rather difficult to see (thus "dark" matter, although I suppose it's more "transparent" than "dark"). Our current best measurements indicate that something like 85% of the matter in our observable Universe (about a quarter of the total mass-energy content) is Dark Matter.Isn't Dark Matter weird/spooky?Not at all. Neutrinos, for example, satisfy the definition of Dark Matter, they just represent such a tiny fraction of the total DM in the Universe that people tend to neglect them when they ask, "what is Dark Matter made of?"There is nothing at all strange or unusual about certain particles not interacting in certain ways. Neutrons have no electric charge (although they do have EM properties, but that's neither here nor there), and electrons don't interact via the Strong Force, so why shouldn't there be particles that interact with neither, like the neutrinos? Saying that interacting with light is "normal" is purely human bias, because we rely so much on sight. Having lots of DM in the Universe is in no way "weird"; it just means that the Universe doesn't revolve around what humanity finds convenient!Why are we confident that DM exists?This is by no means a complete list, but it should give a sense of the kinds of evidence we have. Each of these would take at least a chapter of a book to explain properly, but hopefully this will give the general idea.Galactic rotation curves.When one object orbits another, the orbiting object has to be constantly accelerating towards the central object (or, more precisely, they both accelerate towards their combined center of mass). Without that acceleration, the orbiting body would just fly off. The faster the orbiting body is moving, the more acceleration is needed to keep it in its orbit. Since in this case the acceleration is due to gravity, this means that the central mass has to be bigger. For a circular orbit of a small object [math]m[/math] at distance [math]r[/math] and velocity [math]v[/math] around a large (and assumed stationary) object [math]M[/math], the acceleration requirement gives[math]\frac{v^2}{r} = \frac{GM}{r^2}[/math]which in turn gives us the relation[math]v = \sqrt{\frac{GM}{r}}[/math].(I'm doing this with Newtonian gravity for simplicity; to do it with full rigor would require General Relativity. In this situation, the Newtonian approximation is actually generally pretty good.)For a more complicated object than just two point particles, as long as there's enough symmetry, the gravitational version of Gauss's law says that the relevant [math]M[/math] is the total mass of everything in the galaxy that's at a distance less than [math]r[/math] from the center. [Edited to note: For this to be exactly right, the matter distribution would have to be spherically symmetric, which galaxies aren't. As a result, actual calculations are a bit more complicated than shown here.]This allows us to "weigh" different parts of the galaxy, by measuring the relationship between [math]r[/math] and [math]v[/math]. (We can measure the rotational velocities by comparing redshifts on the approaching and receding sides of the galaxy.) This image from Wiki shows the result of this measurement:The "expected from visible disk" line is determined by adding up the masses of all the parts of the galaxy that we can see. (How we measure that mass is a whole different discussion.)Gravitational Lensing.In General Relativity, whenever light passes through a gravitational field, that field bends its path slightly. This acts like a Gravitational lens, and can produce, for example, "Einstein Rings", like this image from Wiki:The "ring" is a distorted image of a single blue galaxy located behind the red galaxy at the center. Light from the blue galaxy goes out in all directions, but is bent by the red galaxy's gravity. This means that the light that starting out on a "direct path" to us never signNowes us, but light that was originally missing us by a specific amount (in any direction) gets bent back towards us, which makes it look like it's coming from a bunch of different directions, resulting in the ring image seen here.This is a highly dramatic example of gravitational lensing, but there are much more subtle effects that can still be useful. In Weak gravitational lensing, statistical analysis of distortions in the light we receive allows us to "map out" the gravitational field between us and distant galaxies. Often, this just shows more mass than we know how to account for, but that could be explained away by just assuming that our understanding of gravity is off. There's something else, however, that's a lot harder to explain away in that manner: the Bullet Cluster.(Image from A Matter of Fact on nasa.gov)What's going on here? Well, two galaxy clusters collided with each other, and this is the aftermath. The red coloring represents where the visible matter is, while the blue coloring represents where the dark matter is, as inferred by gravitational lensing. Why are they separated so much? Well, most of the luminous matter in a galaxy cluster is in the Intracluster medium, a hot, dense, plasma. When these plasmas collide with each other, a signNow amount of the matter slows down. However, since Dark Matter interacts only very weakly, the DM components of the two clusters were free to pass through each other unimpeded, resulting in a separation (as seen here). Not only is there "not enough" luminous matter... it's in the wrong place! A small number of scientists remain committed to finding ways to explain this without DM, and they have had partial success, but only by including as-of-yet-unmeasured things that are far stranger than DM (for example, a rank-3 tensor field, which, while possible, would be the first tensor field of such a high rank ever found).Effect on the Cosmic Microwave Background.For the first few hundred thousand years after the Big Bang, The Universe was hot enough that it was highly ionized, which made it more or less opaque to light; photons were pinballing around just like any other particle. However, once things cooled down enough, signNow amounts of the protons and electrons combined into neutral Hydrogen, which is (more or less) transparent to most of the light that was around at the time. This happened fairly quickly (in terms of cosmological time), and so it was as if all of the light pinballing around all over the Universe were suddenly released all at once, effectively capturing a snapshot of the Universe at that moment in its evolution. Since this light was released everywhere in the Universe, we can point our radio telescopes in any direction we like, and there it is: the Cosmic microwave background (CMB). It's almost the same temperature in every direction, but there are small differences (generally around one part in [math]10^5[/math]), and we have measured these tiny variations with extraordinary accuracy: first via the COBE satellite, which was then replaced by the more advanced WMAP, which was then replaced by the more advanced Planck (spacecraft), which is currently in operation.These tiny variations can tell us a lot about the early universe. For example, statistical analyses of these variations show the distinct signature of pressure waves propagating through that early plasma, and the nature of these Baryon acoustic oscillations can tell us a lot about what kinds of things were around. Specifically, the protons and electrons would be dragged along by the (dominant) photons, becoming part of the wave, but Dark Matter wouldn't, and would only be indirectly affected by the resulting small changes in gravity. The presence and abundance of Dark Matter therefore affects how these waves impact the temperature variations in the CMB.The formation of large-scale structure.The standard story given in popular science explanations goes like this: the Universe started out hot and dense and more or less uniform, then it expanded and cooled and clumped into stars and galaxies. However, this story is incomplete, in a way that means that galaxies wouldn't exist without dark matter.At a surface level, the story makes sense; heck, I got almost half-way through a Ph.D. in Physics without noticing any problem with it! It sounds so plausible because of how gravity works: if matter is distributed more or less evenly, but some places are a tiny bit more dense than others, gravity will tend to make those overdensities bigger and bigger. Why? Well, even if a region is just a little denser than its neighbors, it's still going to win the gravitational tug-of-war and gradually accumulate more and more mass. Of course, once it has more mass, it wins the tug-of-war by even more, and so it's a run-away process that ends in big gravitationally-bound clumps.So, what's the problem? Well, consider the air in the room with you right now. Are there tiny density variations? Of course, since perfect uniformity is impossible. But, is it forming into exponentially denser clumps? Certainly not! The reason for this is that, under these kinds of conditions, when the density of a gas goes up, so does its pressure. That pressure makes the over-dense region expand outwards again, returning the density back to average!Now, of course, the scales and temperatures involved are totally different. A huge region of gas will have more gravitational attraction than a tiny pocket of denser air in your room, and gas in space has no need to be at room temperature, either. So, if the gas can cool down enough, that can reduce the pressure enough for gravity to win. But, the more it compresses, the more it heats up, because it's converting gravitational energy into thermal energy, and so the pressure goes up again. This means that forming a galaxy is a very gradual process, during which it has to constantly be getting rid of tremendous amounts of energy. If it were just a cloud of gas, without any outside interference, this process wouldn't be nearly fast enough, and we wouldn't have galaxies today.But, as you know, hot things give off heat much faster than cold things. So, if we want galaxies to form by the present day (or, indeed, before the expansion of space makes matter too dilute to form galaxies at all), something has to be forcing the gas to compress and become denser and hotter than it would be able to under its own gravity. Enter: Dark Matter. Because it interacts only weakly, Dark Matter doesn't have pressure like gas does. So, the argument about the run-away gravitational process actually works for Dark Matter. DM can't get rid of energy very easily, and so conservation of energy and angular momentum mean that it can only collapse to about 200 times the background density, but the resulting Dark matter halo provides enough of a gravity well to "seed" the formation of visible galaxies. So, it's not a coincidence that the galactic rotational curves showed large amounts of dark matter... the galaxies wouldn't have formed there without it!As a result of this DM "seeding" process, theoretical models and computer simulations of the formation of DM structures have been fairly successful in describing the statistical properties of how galaxies are distributed now, as well as how they were distributed earlier in the history of the Universe (which we can measure by looking at very distant galaxies).Okay, so that's why we think Dark Matter exists. But, the next obvious question is... well... what is it? What's it actually made of? What are its properties? Here, we have only very partial knowledge, and multiple different theories, any combination of which could be correct (or, perhaps, none of them). This leads us to:What do we know about the properties of Dark Matter?Again, this is in no way exhaustive, but it should give you a decent idea.It's "cold".This is why the current dominant model of cosmology is called the Lambda-CDM model: "Lambda" ([math]\Lambda[/math]) stands for the Cosmological constant, and "CDM" stands for "Cold Dark Matter".When an astrophysicist describes something as "cold", they generally mean that the associated thermal velocity is much less than the speed of light. By this standard, the air in Death Valley is "cold". But, then again, to cosmologists, galaxies are basically point-particles, so everything's a matter of scale and perspective!So, why does DM need to be "cold"? Well, remember that DM clumping together was integral to the formation of structures like galaxies. However, if DM were very hot (and therefore the particles were moving very fast), this would prevent it from clumping properly. I have explained it in very vague terms, but the effects are actually well-understood mathematically. In fact, it's similar to something that does happen, with photons: Diffusion damping (or "Silk damping"). However, in the case of Dark Matter, the result would be a signNow delay (or even outright prevention) of the formation of galaxies, to the extent that "warm" Dark Matter can be observationally ruled out.Incidentally, this is how we know that it's not all just neutrinos: given what we know about the early Universe, they would be far too hot!It interacts only very weakly.This is somewhat part of the definition of Dark Matter, but it's good to see observational confirmation. I know fewer of the details on this, but I do know that there are observational bounds in the "interaction cross-section" of Dark Matter, both in terms of its interactions with luminous matter and for its theorized self-annihilation processes (in which two DM particles could interact and annihilate each other). Also, as discussed before, the Bullet Cluster shows giant dark matter halos more or less just passing through each other, which suggests very weak interactions.So... given those properties,What might Dark Matter be made of?There are two leading theories (as far as I'm aware) that suggest the existence of specific types of new particles. Both are well-motivated theoretically (as in, we have good reasons for suspecting that particles with those particular properties might exist), but neither has been experimentally confirmed yet. Interestingly, the two predicted particles are totally different from one another, not slight variations on the same theme.At the end of the day, either of these theories could be right, or both (given the existence of neutrinos, there's no need for all the rest of the DM to be a single type of particle), or, of course, neither.So, what are the theories?Axions.I feel morally obliged to put this one first, even though the other one is more popular at the moment, because my university is heavily involved in the Axion Dark Matter Experiment (ADMX), and so of course I'm rooting for my colleagues!The existence of Axions has been theorized since the 1970s, but we only recently have the technology to even properly start to try to measure them in the lab. Axions are extremely tiny particles (unlike WIMPs, the other leading option), and so they would have to exist in truly huge quantities. Still, because they interact so weakly, it's hard to detect them, even with billions of them passing through your detector in a tiny fraction of a second. The linked wiki articles do a better job of explaining the theoretical motivation and experimental search than I could. It's really quite elegant, and would solve a lot of outstanding mysteries in particle physics (like the Strong CP Problem), but I can't do it justice.Weakly Interacting Massive Particles (WIMPs)(Wiki reference: Weakly interacting massive particles)To explain why WIMPs are theoretically attractive, I have to take a little detour into "relic abundance", i.e., how many particles of a given type were left over after the Universe cooled down and generally became a more stable place.In the early universe, everything was very dense, and many different kinds of particles were "tightly coupled" (i.e., they interacted with each other frequently). However, as the universe got larger and cooler, these interaction rates slowed down, more or less to a stop, a phenomenon known as "freezing out". The time at which something "freezes out" depends on a number of things, including its mass and how strongly it interacts with other things. This "freezing out" has a huge effect on the abundances of various particles in the Universe. For example, consider the process[math]n \Leftrightarrow p + e^- + \overline{\nu_e}[/math],in which a neutron can turn into a proton, electron, and electron anti-neutrino (or vice versa). If you go back far enough, this reaction will be in thermodynamic equilibrium, just like with any chemical reaction that can go either direction. However, once the neutrinos "freeze out", equilibrium can't be maintained anymore (although other processes, like beta decay, can still happen). The relative abundance of protons and neutrons at the moment of freeze-out is determined by two factors: the mass difference [math]\Delta m[/math] between the two particles, and the temperature of the Universe when freeze-out occurred. These factors combine to determine by how much the lighter particle is thermodynamically favored, with an exponential dependence:[math] \frac{N_n}{N_p} \propto e^{-\Delta m c^2 / k T}[/math]where [math]k[/math] is Boltzmann's constant.This clearly impacts the "relic abundance" of the particles involved (here, protons and neutrons). So, in general, the abundance of a given particle in the Universe today is signNowly influenced by the mass of that particle and how strongly it interacts (since that affects freeze-out time and thus freeze-out temperature). This brings us to the so-called "WIMP miracle": a particle that interacts predominantly via the Weak Nuclear Force, and that has a mass near the mass scale associated with Weak interactions ([math]\sim 100 \text{ GeV}/c^2[/math]), would have a relic abundance that would match the measured abundance of Dark Matter in the Universe. Given that such a particle was already speculated to exist (in the context of Supersymmetry), this was very theoretically attractive to a lot of people, although our inability to find it so far has damped some of their spirits.So, there you have it: my summary of Dark Matter. Hope it was worth the time it took to read! (Let alone write...)
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What is the best free PDF reader for large documents?
[1] PDF format is popularly known as print document format. This creates a virtual printer within operating system to print the document. For offline scanning of document, the PDF format is popular. The importance attached with these program is that you need to have PDFsoftware installed to run these files. If someone sends you PDF file and your computer do not have such software installed then that file is not to be read from there.There are so many PDF softwires available and this article aims to find out the mostly free software or freeware to help readers to choose from variety of options. More and more operating systems are providing built-in facilities for such products. Now-a-days everything comes with PDF formats beginning from circulars, bank statement, insurance statement, tax statement and e-books.That is why there immense important to have the free PDF software installed on computer but the thousand question is which one is to choose from the variety of resources available.Sumatra PDF:Sumatra PDF is available for download to Windows since the times of Windows XP. This program has very low foot print, light on system resources and fast. It is going to perform simple task as well as it is going to perform complex task depending upon you choose from PDFfiles. It is available with installed version as well as standalone portable version in which it does not write to registry.It is available in 64 bit version on Windows. It is available for Windows XP, Vista, 7, 8, 8.1 and 10. It is available for Windows operating system only.signNow Reader DC:It is from signNow and signNow is available for free for users. While installing this software do check for installation of MCAfee security and safe connect.it is a big download of nearing to 120 MB. Yours antivirus software might stop this installation so allow to install it. This software for high=end computing processes.Many features are included with it and for some features you might need it and if you want to have these features then it is better to choose this software. It has mobile version of android and apple operating system. With it you are going to synchronize documents with clouds and yours signature too and everything is going to stay with cloud to access from each and every device.When you first download signNow on Windows, a download manager first downloads and it is small in size and then by opening that download manager signNow software is installed and this is nearer to 120 MB.PDF-Xchange Editor:PDF-Xchange Editor is a smart PDF tools and most functions are free except some complex ones. It is a PDF reader, pdf editor and pdf tools. It can print PDFs, fill the forms created with signNow and can extract images from PDF files. There are some advanced features included in this free version but most of these are not free one is that watermarking of PDFsoftware which is not free.Foxit Reader:Foxit Reader is fast, simple and is there for years. It is available for Windows, Apple and android versions. It can fill forms and save data. Can include and validate electronic signatures. During installation user need to be cautioned not to install so many verities of other software. In order to keep the size of download minimal, the user manual is available for separate download.It is faster than PDF-Xchange Editor. If you are not interested in OCR facilities then Foxit reader is best suited for yours work. Multiple PDF documents when opened all these are opened in tab format and shifting from one tab to the other is easier. From time to time it introduces some new features in order to provide dynamic software development.It allows adding up of multimedia files easier. Collaboration with social media accounts becomes easier with Fixit Reader because of the ease to synchronize with Twitter, Facebook, Evernote and SharePoint. One caution is that Foxit Reader comes bundled with so many other software and toolbar and it is important to not to allow installations of such software during its installation.MuPDF Reader:It is very lightweight PDF Reader. On its first launch it will ask you about to choose from files instead of showing its interface and when the PDF is opened then it shows the exact documents and no toolbar and other interfaces are present. In order to see the interface of MuPDF reader you are going to click on the top left of the visible windows to find it. It provides a cleaner interface and superior look for PDF files.Google Chrome PDF viewer:While browsing for internet whenever you see any PDF and click on it and it will slowly open in another tab of Chrome and you can read it from there or download by clicking the downloadsymbol available there. This setting can be turned and changed out there easily, go to settings of chrome and then advanced and then content settings and then pdf documents, Scroll down and click on PDF documents and from there switch on ‘Download PDF files instead of opening automatically opening them in Chrome’ and this will download PDF files from net to computer.If you want to read PDF files that are stored inside computer, then right click on that files and then open with chrome and your chrome reader will automatically, open pdf files and for this you will not have to install pdf viewers. Similarly, with android if you install Google Drive then you will not need any other third-party PDF apps as Google Drive act as PDF viewer and make it default while opening the first PDF and that is going to make it default.TinyPDF:TinyPDF as the name suggests has very small foot print of PDF reader and it has no string attached. It is only 586k as it is less than one MB. It does not contain no malware, adware, watermarks and no pop Global Home: UPS is completely free. JPEG compression is supported. No ghost script and third-party software included with the installer version. The downside is that it is partially supported on 64-bit computer. Automatic font management is there.There are so many alternatives to use for PDF viewer and if your computer is 64 bit then you can download the 64 bit version of Sumatra PDF and if you want to insert electronic signature then opt for Foxit PDF reader and if you want to have the old and classic PDF reader which is heavier in file composition and not for low end computing purposes then go for signNow and lastly if you do not want to install PDF readers at all then it is better to open it with Google Chrome built in PDF viewer.So, there are many large numbers of option to choose from and if you want to have some complex PDF functions besides the presence of PDF reader you need pdf tools and others then it is best to have PDF-Xchange viewer and so many other option listed here you can choose it from. There are some other alternatives are available which are there to search ad find in internet.This entry was posted in Android Apps on Google Play, Apple Inc., Computer Information Technology, Google, Google Chrome, Information Technology, Internet, Windows 10, Windows 8, Windows XP and tagged signNow, Apple, doPDF, FOXIT READER, free PDF converter, google chrome, image to pdf converter, PDF Password Remover, pdf printer, pdf-xchange, Sumatra PDF A PDF Viewer for Windows, WINDOWS, Windows 8, WINDOWS VISTA, WINDOWS XP, Windows XP SP3 onFootnotes[1] Best Free PDF Writer and Reader
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How do fighter pilots defend themselves?
Fighter aircraft must defend themselves from a variety of threats, airborne and ground-based, using different techniques and technologies.Denying the enemy knowledge of your location: The best defense against enemy aircraft is never letting them know you're there. Stealth technology is an obvious advantage here, but techniques can be more simple, such as approaching from a direction the enemy is not expecting you to be coming from. Flying low can help obscure you from enemy radar, using terrain masking and taking advantage of radar's inherent difficulty in "look-down" modes (where aircr...
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Is it possible that sometime in the future, all money in all countries become one electronic currency like Bitcoin for all world
New technologies—supported by advances in encryption and network computing—are driving transformational change in the global economy, including in how goods, services and assets are exchanged. An important development in this process has been the emergence of virtual currencies (VCs). VC schemes are private sector systems that, in many cases, facilitate peer-to-peer exchange bypassing traditional central clearinghouses.VCs and their associated technologies (notably distributed ledgers based on blockchains) are rapidly evolving, and the future landscape is difficult to predict. VCs offer many potential benefits, including greater speed and efficiency in making payments and transfers—particularly across borders––and ultimately promoting financial inclusion. The distributed ledger technology underlying some VC schemes—an innovative decentralized means of keeping track of transactions in a large network––offers potential benefits that go far beyond VCs themselves. At the same time, VCs pose considerable risks as potential vehicles for money laundering, terrorist financing, tax evasion and fraud. While risks to the conduct of monetary policy seem less likely to arise at this stage given the very small scale of VCs, risks to financial stability may eventually emerge as the new technologies become more widely used.A lot of people do not know there are so many ways to earn cryptocurrencies by investing legitimately in platforms like www.coastminers.tech where they can get double of their investment in 7 days without losing them(thank me later).The development of effective regulatory responses to VCs is still at an early stage. VCs are difficult to regulate as they cut across the responsibilities of different agencies at the national level, and operate on a global scale. Many are opaque and operate outside of the conventional financial system, making it difficult to monitor their operations. Regulators have begun to address these challenges, with a variety of approaches across countries. Responses have included clarifying the applicability of existing legislation to VCs, issuing warnings to consumers, imposing licensing requirements on certain VC market participants, prohibiting financial institutions from dealing in VCs, completely banning the use of VCs, and prosecuting violators.These approaches represent an initial policy response to the challenges that VCs pose, but further development is needed. In particular, national authorities will need to calibrate regulation in a manner that appropriately addresses the risks without stifling innovation. More could be done at the international level to facilitate the process of developing and refining policies at the national level. International bodies are playing an important role in identifying and discussing the risks posed by VCs and possible regulatory responses, and they should continue to do so. As experience is gained, international standards and best practices could be considered to provide guidance on the most appropriate regulatory responses in different fields, thereby promoting harmonization across jurisdictions. Such standards could also set out frameworks for cross-country cooperation and coordination in areas such as information sharing and the investigation and prosecution of cross-border offenses.VIRTUAL CURRENCIES AND BEYOND 6 INTERNATIONAL MONETARY FUND INTRODUCTION A. Overview 1. New technologies are driving transformational changes in the global economy, including in how goods, services, and assets are exchanged. The development of monies and a variety of payments systems throughout history have helped make exchange more efficient and secure. The rapid spread of Internet-based commerce and mobile technology––supported by advances in encryption and network computing––has driven the development of several innovative technologies. Companies such as Uber and Airbnb have developed radical new business models. Secure online payments systems (for example, PayPal) and mobile payments and transfer solutions (for example, M-Pesa) are changing the ways in which payments for goods and services are made. 2. An important development in this process of transformation has been the emergence of virtual currencies (VCs). VCs, in principle, question the paradigm of state-supported fiat currencies and the dominant role that central banks and conventional financial institutions have played in the operation of the financial system.VCs are issued without the involvement or backing of a state. Some VC schemes make use of “distributed ledger” technologies that provide complete and secure transaction records without using a central registry. These technologies therefore allow for direct peer-to-peer transactions and eliminate the need for central clearinghouses. It is therefore not surprising that private sector interest in these new technologies has been growing, and that attention from regulators and policymakers has not been far behind. 3. VCs and their underlying distributed ledger technologies have the potential to generate benefits. VC schemes and distributed ledger technologies can strengthen financial efficiency by facilitating peer-to-peer exchange while reducing transaction times and costs, especially across borders.In the longer term, these technologies have the potential to deepen financial inclusion by offering secure and lower-cost payments options. Beyond payments systems, distributed ledger technologies have implications for a wide range of markets and financial market infrastructures as a fast, accurate and secure record keeping system, including for stock exchanges, central securities depositories, securities settlement systems or trade repositories. Technological and regulatory progress will be needed to realize these potential benefits. 4. However, these technologies also pose risks. VCs can be misused as vehicles for money laundering, terrorist financing, and tax evasion, and other forms of illicit activity. While risks to the conduct of monetary policy seem less likely to arise, risks to financial stability may eventually emerge as the new technologies come into more wide-spread use.Although the growing use of distributed ledger technologies outside of the context of VCs pose far fewer risks, it may over time pose a serious challenge to parts of the business model of the established financial system. VCs and distributed ledger technologies will thus continue to attract the attention of policymakers and regulators at both the national and international levels. VIRTUAL CURRENCIES AND BEYOND INTERNATIONAL MONETARY FUND 7 5. Any policy response to VCs will need to strike an appropriate balance between forcefully addressing risks and abuses while avoiding overregulation that could stifle innovation. The initial focus should be on the most pressing concerns related to VCs—including financial integrity, consumer/investor protection, and tax evasion—while leaving less immediate risks (for example, financial stability, monetary policy) to a later stage.VCs combine many different properties of electronic payment systems, currencies, and commodities that span the responsibilities of several types of regulators at the national level. VCs operate in a virtual world that signNowes across borders, increasing potential risks and creating opportunities for regulatory arbitrage. Effective policy coordination will therefore be required at the national and international levels. 6. This paper discusses the potential benefits and risks posed by VCs and how financial regulators could approach them. The paper begins by explaining what VCs are, and how they work. It then examines key features and related developments in distributed ledger technologies underlying decentralized VCs, along with their potential use for financial development and financial inclusion. The paper subsequently discusses the policy and regulatory implications of VCs generally and concludes with a brief discussion of areas for future analysis.7. As a starting point, it is important to note that the VC landscape is still new and rapidly changing. It is therefore not possible to fully predict the future direction and importance of these evolving technologies or to identify specific longer-term policy responses. The paper is therefore intended as a first step and a platform for further research and analysis. Many of the questions it raises are left for future discussion. B. What are Virtual Currencies? 8. VCs are digital representations of value, issued by private developers and denominated in their own unit of account.2 VCs can be obtained, stored, accessed, and transacted electronically, and can be used for a variety of purposes, as long as the transacting parties agree to use them. The concept of VCs covers a wider array of “currencies,” ranging from simple IOUs of issuers (such as Internet or mobile coupons and airline miles), VCs backed by assets such as gold,3 and “cryptocurrencies” such as Bitcoin.9. As digital representations of value, VCs fall within the broader category of digital currencies (Figure 1). However, they differ from other digital currencies, such as e-money, which is a digital payment mechanism for (and denominated in) fiat currency. VCs, on the other hand, are not denominated in fiat currency and have their own unit of account. 2 Given the fast evolving nature of the industry, a universal definition has yet to emerge and could quickly change as the VC ecosystem continues to transform. 3 This type of VCs is backed by the combination of existing tangible assets or national currencies and the creditworthiness of the issuer. VIRTUAL CURRENCIES AND BEYOND 8 INTERNATIONAL MONETARY FUND Figure 1. Taxonomy of Virtual Currencies10. VC schemes comprise two key elements: (i) the digital representation of value or “currency” that can be transferred between parties; and (ii) the underlying payment and settlement mechanisms, including the distributed ledger system (see the section on distributed ledgers and Box 2).11. VC schemes have different levels of convertibility to real-world goods, services, national currencies, or other VCs. Non-convertible VCs (or closed schemes) operate exclusively within a self-contained virtual environment. Under these systems, the exchange of VCs with fiat currency (or other VCs) or its use in payments for goods and services outside of the virtual domain is signNowly restricted. In contrast, convertible VCs (or open schemes) allow for the exchange of the VC with fiat currency (or other VCs) and for payments for goods and services in the real economy.4 The level of contact between convertible VCs and the real economy is much greater than is the case in closed schemes.512. VC schemes can operate through a centralized, decentralized, or hybrid model. The operation of VC schemes includes three components: (i) the issuance and redeemability of the VC; (ii) mechanisms to implement and enforce internal rules on the use and circulation of the currency; and (iii) the payment and settlement process. Each area of operation may be managed by a trusted central (and private) party or in a decentralized manner among participants. Hybrid schemes also 4 An additional distinction is sometimes made between unidirectional flow and bidirectional flow of convertibility, with the former referring to VCs that can be obtained in exchange for fiat currency (or other VCs), but cannot be converted back to fiat currency (or other VCs)—the flow of convertibility being unidirectional (for example, Nintendo Points, some frequent-flyer programs air miles)—and the latter—where the flow of convertibility is bidirectional (for example, Bitcoin, Linden Dollar). See ECB (2012). 5 It should be noted that convertible VCs may be subject to illiquid markets, limiting their de facto convertibility. (continued) VIRTUAL CURRENCIES AND BEYOND INTERNATIONAL MONETARY FUND 9 exist, where some functions are performed by a central authority, while others are distributed among market participants.613. Decentralized VC schemes use techniques from cryptography for their operations— hence the “cryptocurrency” moniker: In decentralized systems, there is no central party (for example, a central bank) administering the system or issuing VCs. Rather, the central party is replaced by a framework of internal protocols that govern the operation of the system and allow the verification of transactions to be performed by the system participants themselves. As payments and transactions are made through the system, these participants (often referred to as “miners”) are rewarded in newly minted “currency” for performing the payment processing function (referred to as “mining”). This approach serves two purposes: it introduces newly minted VCs into the system and enables the decentralized operation of the VC scheme. In contrast to fiat currency, a cryptocurrency does not represent a liability on anyone. These systems may allow for the issuance of a limited or unlimited number of currency units. Under most such systems (including Bitcoin), there is currently a limit on the number of currency units that may ultimately be issued. However, new systems are emerging that do not include such limits. Most cryptocurrencies are “pseudo-anonymous”—while cryptocurrency transactions are publicly recorded, users are known only by their VC “addresses,” which cannot be traced back to users’ real-world identity. As such, cryptocurrency transactions are more transparent than cash but more anonymous than other forms of online payment. Cryptocurrencies challenge the standard concept of fiat currencies. The value of existing fiat currencies is backed by the creditworthiness of the central bank and the government. Centrally issued VCs rely on the backing of the private issuer’s credibility while the value of privately issued currencies (see Box 1 and the next section) have historically been supported by the private issuer’s credibility and commodity reserves. In contrast, the value of cryptocurrencies does not have any backing from any source. They derive value solely from the expectation that others would also value and use them. 14. VCs can be obtained in a variety of ways. Convertible VCs can typically be purchased or exchanged with fiat currency or other VCs, through a VC exchange, through a trade platform,7 or directly with another VC holder. They can also be obtained in payment for goods or services.As noted above, decentralized VCs can be obtained by participating in the transaction validation 6 For example, Ripple. 7 Trade platforms provide a forum where buyers and sellers can offer and bid for VCs (akin to a market place). (continued) VIRTUAL CURRENCIES AND BEYOND 10 INTERNATIONAL MONETARY FUND process (for example, “mining”). VCs are typically stored in a “VC wallet,” either directly through a VC wallet software application or through an intermediary—a VC wallet service provider.8 15. Ancillary service providers have entered the market. Payment facilitators operate as intermediaries between consumers and merchants/retailers, converting VC payments into fiat currency and bearing the exchange rate risk of the transaction. In the case of cryptocurrencies, some service providers offer additional anonymizing services that further obfuscate the traceability of transactions.ARE VIRTUAL CURRENCIES MONEY? 16. Several questions arise when considering the role of VCs as money. 9 Do they satisfy the legal definition of money and fulfill all the economic roles of money (store of value, medium of exchange, and unit of account)? How do they compare to other privately-issued monies that existed historically? If they become more widely used, could (or should) these privately-issued currencies substitute for national currencies? 8 VC wallets are used by VC holders to hold and transact in VCs. Cryptocurrencies are stored in digital wallet software associated with cryptographic keys: (i) “public keys,” which are used to encrypt data and function akin to an account number; and (ii) “private keys”, which are needed for decryption and which function akin to a password to access the cryptocurrencies or a signature to authenticate transactions.Where no intermediary is involved (for example, VC wallet service provider), the loss of a private key will in effect result in the loss of the VCs held in the VC wallet, as the owner of the wallet cannot access its content. VC wallets can be held online (“hot storage”) or offline (“cold storage”). The latter is considered to afford greater protection against hacking and theft. 9 “Money” could have different meanings depending on the context. VCs are comparable to banknotes, coins, and other liabilities of the issuer—the central bank in a modern monetary system. These are also called high-powered money, central bank liability, base money, or outside money. In contrast, money supply includes base money and liabilities (denominated in the national currency) created by banks and bank-like financial institutions (such as deposits and some money market fund shares—called inside money).Even in a system where the central bank has a monopoly right to issue base money, the bulk of the money supply could be provided in a decentralized manner by multiple financial institutions. These financial institutions could be regulated or unregulated (such as shadow banks and as in the “free banking” regime (Gorton, 1985). On the other hand, there is currently no known financial institution that provides inside money in VCs, and the VC monetary system consists only of high-powered money.VIRTUAL CURRENCIES AND BEYOND INTERNATIONAL MONETARY FUND 11 A. Perspectives from Theory and History 17. Theory and history offer some guide-posts for considering these questions (Box 1): Theory. High inflation in the 1970s after the end of the Bretton Woods System renewed skepticism in some quarters over granting central banks monopoly power to issue nonconvertible fiat currency.10 Friedman and Schwartz (1986) and Fischer (1986) reject Hayek’s proposal to denationalize money (1976). Other researchers, however, continue to contemplate laissez-faire monetary regimes, and there has also been extensive theoretical work on the feasibility and optimality of privately issued money under monopoly or competition.11 History.VCs are not the first example of currencies privately issued in a decentralized manner. While VCs are of course very different from national currencies, monetary systems and the legal concept of money have evolved substantially over time and will continue to change in the future. VCs should thus not be judged solely based on their current characteristics or on how they compare to current monetary regimes. 18. A detailed comparison of the characteristics of VCs with existing and historical currencies sheds further light on these issues (Table 1). For the sake of specificity, Bitcoin is used as a representative example of a VC and compared to a home currency, a foreign currency, and a commodity asset based on current arrangements.Moreover, for a historical perspective, the table also includes key features of a commodity (gold bullion), a commodity currency (gold/silver coins), and a fiat currency convertible into gold and other commodities (the gold standard). The experiences during the U.S. Greenback era are also included, when the government-issued nonconvertible fiat currency “Greenbacks” and private banks were allowed to issue notes as currency. The monetary policy discussion in the policy challenges section assesses whether VCs could provide desirable monetary systems or not. 10 Convertibility in this section refers to convertibility of fiat currencies to commodity reserves and international reserves, in the context of the gold standard or the Bretton Woods System, in contrast with the convertibility of VCs into national currencies as discussed in the earlier section.11 See, for example, King (1983), White (1984), Taub (1985), Selgin (1988), and Selgin and White (1994). VIRTUAL CURRENCIES AND BEYOND 12 INTERNATIONAL MONETARY FUND Box 1. Public and Private Provision of Money: History and Theory Both history and economic theory broadly seem to support a monetary regime with public provision of currency over a competitive private system. The historical track record of containing inflation is mixed across both private and public systems. However, public systems appear to function better when there is a systemic liquidity shortage at the time of a financial crisis and the need arises for a lender-of-last-resort (LOLR). Resilience against inflation There are examples where currency was provided by multiple private banks without high inflation.In fact, many central banks in major advanced economies were first established as private banks, and their currencies did not have legal tender or monopoly status (Box Table). Also, notes issued by (multiple) national banks during the U.S. Greenback era did not have legal tender status but were traded at par with government issued notes (Calomiris, 1988). Box Table. The Origins of Central Bank Powers Country Date founded Monopoly over note issue Notes made legal tender State ownership France 1800 1848 1878 1945 Germany 1875 1875 1909 1948 Japan 1882 1884 1885 NA Italy 1893 1893 1893 NA United Kingdom (England) 1694 1844 1833 1946 United States 1913 1913 1933 NA Canada 1934 1935 1935 1938 Source: Redish (1993).But systems were needed to curb the tendency to print too much money. During the U.S. Greenback era, when convertibility was temporarily suspended to finance the Civil War, note-issuing private banks were subject to various regulations. Their notes were printed by the government and backed 111 percent by government bonds held on deposit at the Treasury (reserve requirement), making them indirect obligations of the government. The aggregate amount of nationally chartered banks’ notes was capped though the limit was later abolished. Moreover, their value was supported by the expectation to resume convertibility when the war was over (Calomiris, 1988). Without these systems, privately-provided nonconvertible fiat money often ended up being supplied in excess. Redish (1993) shows an example of nonconvertible notes with legal tender status issued by a French private bank in the late 18th century. Privately provided notes in late- 19th century Japan led to inflation when their supply ballooned after banks suspended convertibility to gold.The inflation performance of public moneys has been mixed. Before the collapse of the Bretton Woods System, international monetary regimes were largely anchored by gold and/or pegs to the pound Sterling and U.S. dollar standard (Bordo, 1981, and Redish, 1993) that were successful in anchoring inflation. Excess inflation happened even under commodity currency regimes (coins) for seignorage revenue. Medieval European monarchs—who had a monopoly right to mint coins or charge a fee for running a mint—often debased the currency by raising the unit of account value of a coin at the mint and reducing the precious metal content per coin. In a contemporary context, macro policy mismanagement has often led to high inflation and hyperinflation, as observed in many emerging and developing economies. Among major advanced economies, high inflation occurred in the 1970s following the end of the Bretton Woods System.VIRTUAL CURRENCIES AND BEYOND INTERNATIONAL MONETARY FUND 13 These experiences underpinned substantial discussions on tying central banks’ hands again by returning to a rules-based framework including the gold standard (Friedman and Schwartz, 1986). Lender-of-last-resort Theory suggests that the private provision of money is not optimal when an economy may face system-wide liquidity shortages. The efficiency of competitive market equilibrium has been a key rationale cited by supporters of private provision of money (White, 1984, and Selgin, 1988). However, competitive equilibrium may not be optimal when the market is incomplete, or there is asymmetric information that could cause moral hazard (Mas-Colell, Winston, and Green, 1995). Such imperfections are typical in financial markets. Markets are also incomplete in the sense that not every risk is insurable among individuals, and everyone in the system could be hit by a large, negative, systemic shock. Many researchers have thus argued that public provision of money could improve economic welfare.Weiss (1980) shows the welfare-improving role of central bank money and active monetary policy as these facilitate inter-temporal smoothing in an overlapping generations framework. Diamond and Dybvig (1983) and Bryant (1980) show the effectiveness of public liquidity and deposit insurance in managing bank runs. Private provision of liquidity becomes insufficient and leads to a crisis without public outside money if a systemic shock hits the system, and contagion risks are imminent (Allen and Gale, 2000, Freixas, Parigi, Rochet, 2000, Holmstrom and Tirole, 1998, Tirole, 2008).1 History also seems to suggest that central banks in major economies often emerged in response to the need for a creditworthy institution to be the LOLR and manage bank runs (Goodhart, 1988, Redish, 1993, Gorton and Huang, 2006).In early history, large private banks acted as LOLR, but the need to handle bank runs more systematically eventually made them central banks or led to the establishment of new central banks. In the U.S., J.P Morgan pledged large sums of his own money and convinced other New York bankers to do the same to shore up the banking system in the 1907 financial crisis. The experience eventually led to the establishment of the Federal Reserve Board in 1913. As of late 18th century, the Bank of England (BOE) was a private bank, serving as the government’s banker. The BOE notes gained legal tender status and monopoly issuance power, as the bank had strong credibility to be able to provide liquidity for other banks in distress. Similar development is also observed with other major central banks (Box Table).The global financial crisis provided a further reminder of the need for a credible LOLR. ___________________ 1/ The welfare implication may become less clear when the moral hazard costs from LOLR are incorporated in the analyses. VIRTUAL CURRENCIES AND BEYOND 14 INTERNATIONAL MONETARY FUND Table 1. Characteristics of Currencies: A Comparison Feature Bitcoin USD (home currency) Euro (foreign currency) Commodity (bullion) Commodity currency (coin) Gold standard U.S. Greenback Era (1861–78) Economic demand factors Intrinsic value None None None Yes Yes None None Claim to issuers? No Yes Yes No No Yes Yes Legal tender No Yes No (in the U.S.) na na Mixed Yes (no) to public note (private) Used as a medium of exchange Small, but rising especially in online retail Yes Limited (in the U.S.) possibly more for cross-border trade Yes Yes Yes Yes Used as unit of account No Yes No (in the U.S.) Yes Yes Yes Yes (all notes shared “dollar” unit) Used as store of value Yes, subject to very high exchange rate risk and sudden confidence shock Yes, subject to inflation risk Yes, subject to foreign exchange risk Yes, subject to commodity price risk/cycle.Yes, subject to dilution of quality (inflation/devaluati on) Yes, subject to devaluation risk Yes, subject to inflation risk Supply structures Monopoly/decentr alized Decentralized Monopoly Monopoly Decentralized Mixed Mixed Decentralized Supply source Private Public Foreign public Private/public mining Mixed Mixed Public and private Supply quantity Inflexible Flexible Flexible Inflexible Inflexible Inflexible Flexible Supply rule Computer program Rule-based (inflation target) Rule-based (inflation target) Opportunity cost for mining Tied to commodity in bullion Tied to commodity by reserve ratio Private note subject to reserve requirement.Supply rule change (by issuers) possible? Yes with agreement of majority miners Yes Yes No Quality of minted coins can be diluted. Reserve ratio can be changed and economized No for private banks. Cost of production High (electricity consumption for computation) Low Low Very high (mining) Medium Low Low VIRTUAL CURRENCIES AND BEYOND INTERNATIONAL MONETARY FUND 15 Table 1. Characteristics of Currencies: A Comparison, cntd. Feature Bitcoin USD (home currency) Euro (foreign currency) Commodity (bullion) Commodity currency (coin) Gold standard US Greenback Era (1861-78) Macro-financial stability risks Risk of hyperinflation due to over-supply? No for individual VCs Possible (with policy mismanagement) ... Limited Possible (by diluting coin quality) Possible (by ending convertibility) Possible (if losing credibility to resume convertibility) Risk of long-term hyperdeflation High Low … High High High Low Base money quantity changes to temporary shocks? No (limited even with rule changes) Yes No (to US money demand shocks) No No Somewhat (by changing reserve ratio subject to total holding of gold) Yes Can the issuer be lender of last resort with outside money?
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What is a good annotation of the Bitcoin white paper?
[BAD EARLY DRAFT - This is being continually revised and updated, with important edits from - I hope - you. If I use your suggestion, I will credit you (unless you prefer otherwise). I especially welcome help from developers, cyrptographers, cypherpunks and other writers. I have not coded since high school.]With your help, the best annotation of the Bitcoin white paper will be below - co-built by you, me and other Quorans working together.Our annotation will be the most informative, most plain English and most entertaining annotation of the Bitcoin white paper.Here we go.Bitcoin: A Peer-to-Peer Electronic Cash SystemPeer-to-peer means you and me and indirectly hints at no centralized entity.Electronic cash system means a way to move money (cash) over the internet. Think PayPal instead of paper dollar bills.Bitcoin is 9 years old and is barely used as electronic cash right now.People HODL (stick their Bitcoin under a virtual mattress), use Bitcoin as a capital flight conduit (from e.g. Venezuelan Bolivar to BTC to USD, Swiss Francs, gold, etc.)As inception, Bitcoin was not intended to be digital gold but maybe it’s destined to be that.This is changing as big exchanges like Coinbase (investor) add SegWit and Lightning.Satoshi Nakamoto satoshin@gmx.com http://www.bitcoin.orgSatoshi Nakamoto is a pseudonym. We still don’t know who wrote the paper. Though the NSA might. How the NSA identified Satoshi Nakamoto – CryptoMuse – MediumAbstract. A purely peer-to-peer version of electronic cash would allow online payments to be sent directly from one party to another without going through a financial institution.The phrases “purely peer-to-peer”, “sent directly” and “without going through a financial institution” strongly suggests the author’s anti-centralization DNA.Digital signatures provide part of the solution, but the main benefits are lost if a trusted third party is still required to prevent double-spending.Now we get at one of the foundational things the paper and the Bitcoin code solves. Bitcoin is a digital asset that I can give you, but if I do that, I can’t give it to someone else because the Bitcoin blockchain code does not permit it.We propose a solution to the double-spending problem using a peer-to-peer network.Bitcoin removes central points of failure.The network timestamps transactions by hashing them into an ongoing chain of hash-based proof-of-work, forming a record that cannot be changed without redoing the proof-of-work.Immutable. No one can change the Bitcoin transaction that happened. At all.The longest chain not only serves as proof of the sequence of events witnessed, but proof that it came from the largest pool of CPU power.Satoshi didn’t foresee the mining pool oligopoly that permeates Bitcoin and most Proof of Work cryptocurrencies today.As long as a majority of CPU power is controlled by nodes that are not cooperating to attack the network, they'll generate the longest chain and outpace attackers.What does controlled by nodes mean? Many people run nodes but only a few mining pools mine almost all the Bitcoin.This is also known as the 51% attack. But you just need one more node than 50% (e.g., 50% + 1) so it is more accurately a majority attack.The network itself requires minimal structure.Because?Messages are broadcast on a best effort basis, and nodes can leave and rejoin the network at will, accepting the longest proof-of-work chain as proof of what happened while they were gone.As Alex Seewald notes in the comments below, Satoshi is probably referring to best effort delivery. Best-effort delivery - WikipediaWho is doing the broadcasting?Like everything else in Bitcoin, you as a runner of full nodes are free to come and go as you please. That’s why many Bitcoin maximalists argue Bitcoin Core is not centralized.However, others disagree.Quantifying Decentralization – news.earn.com1. IntroductionCommerce on the Internet has come to rely almost exclusively on financial institutions serving as trusted third parties to process electronic payments.I think Satoshi is anti-bank, anti-PayPal and anti-Western Union. This is one reason why.While the system works well enough for most transactions, it still suffers from the inherent weaknesses of the trust based model.A key facet of Bitcoin is that it is trustless. You don’t have to trust JP Morgan.Completely non-reversible transactions are not really possible, since financial institutions cannot avoid mediating disputes.Unlike Bitcoin.The cost of mediation increases transaction costs, limiting the minimum practical transaction size and cutting off the possibility for small casual transactions, and there is a broader cost in the loss of ability to make non-reversible payments for non- reversible services.Debit cards payments are hard to reverse. Cash payments are even harder to reverse. Especially when either is combined with an “All Sales Final” condition.With the possibility of reversal, the need for trust spreads.Yes and many Americans prefer trusting American Express’ customer service over some random merchant on the internet that might rip you off.Merchants must be wary of their customers, hassling them for more information than they would otherwise need.BItcoin is just reallocating the risk from merchants back to consumers. It’s kind of anti-consumer tbh.A certain percentage of fraud is accepted as unavoidable.Yes, just like how so many of my friends have lost some crypto stolen or lost. Seems unavoidable!These costs and payment uncertainties can be avoided in person by using physical currency, but no mechanism exists to make payments over a communications channel without a trusted party.He should have said much earlier, “Unlike physical currency…”What is needed is an electronic payment system based on cryptographic proof instead of trust, allowing any two willing parties to transact directly with each other without the need for a trusted third party.Proof of work.Transactions that are computationally impractical to reverse would protect sellers from fraud, and routine escrow mechanisms could easily be implemented to protect buyers.Decentralized escrow? Are buyers to trust a third party centralized escrow service over American Express? As a buyer, I’m not doing that.In this paper, we propose a solution to the double-spending problem using a peer-to-peer distributed timestamp server to generate computational proof of the chronological order of transactions.Making it easier to follow the money i mean Bitcoin.The system is secure as long as honest nodes collectively control more CPU power than any cooperating group of attacker nodes.Bitcoin relies (trust?) the majority of full node runners to be honest. Here’s hoping mob rule, centralized mining or mass hysteria never takes over.2. TransactionsWe define an electronic coin as a chain of digital signatures.Very unexpected IMO. How is this anything like a normal coin? It is a ledger ledger of all the transactions relating to one asset, which isn’t even totally fungible with others. It seems we can literally give you the coin from Satoshi’s genesis block or another coin that we all know was mined today by F2Pool or whatever.Each owner transfers the coin to the next by digitally signing a hash of the previous transaction and the public key of the next owner and adding these to the end of the coin.Moving the digital signatures off the main chain is a bit scary to some folks - that’s why some dislike SegWit - which does that.A payee can verify the signatures to verify the chain of ownership.Who the heck wants to do an electronic title search every time they spend $100 of Bitcoin? This makes sense for big purchases like real estate and collectibles but not for small or even medium sized purchases.I’m not sure how pragmatic Satoshi was. He built great tech. He was not as great at guessing use cases and what unmet, urgent need Bitocin actually meets.Transaction[Would love it if someone can please help me and copy paste in the diagrams.]Owner 0's SignatureOwner 1's Private KeyTransactionOwner 1's SignatureOwner 2's Private KeyTransactionOwner 2's SignatureOwner 1's Public KeyOwner 2's Public KeyOwner 3's Public KeyHashHashHashThe problem of course is the payee can't verify that one of the owners did not double-spend the coin.Satoshi focuses a lot on double spending.A common solution is to introduce a trusted central authority, or mint, that checks every transaction for double spending.Mints and the entity that checks for double spending can be two different entities, no? In the analog world, the US government prints money. Maybe a private third party company like a PayPal checks for double spending among its users and customers.After each transaction, the coin must be returned to the mint to issue a new coin, and only coins issued directly from the mint are trusted not to be double-spent.This is bad if you believe, like Ray Dalio, government should increase the money supply (issue new coins) when no one’s spending, everyone’s HODLing and the token economy is shrinking. And you should decrease money suply (burn coins) if there is high or hyperinflation.The problem with this solution is that the fate of the entire money system depends on the company running the mint, with every transaction having to go through them, just like a bank.Broadly speaking, we have not really gotten away from that in Bitcoin. We just replaced banks with centralized mining chip makers, mining pools, developers, maintainers, client implementations, exchanges, wallets, owners, etc.We need a way for the payee to know that the previous owners did not sign any earlier transactions.This seems like a total pain. No wonder Hashcash didn’t work.For our purposes, the earliest transaction is the one that counts, so we don't care about later attempts to double-spend.What are the implications of this, if any?The only way to confirm the absence of a transaction is to be aware of all transactions.Awful.In the mint based model, the mint was aware of all transactions and decided which arrived first.To accomplish this without a trusted party, transactions must be publicly announced [1], and we need a system for participants to agree on a single history of the order in which they were received.The payee needs proof that at the time of each transaction, the majority of nodes agreed it was the first received.3. Timestamp ServerThe solution we propose begins with a timestamp server.A timestamp server works by taking a hash of a block of items to be timestamped and widely publishing the hash, such as in a newspaper or Usenet post [2-5].Hmmm…The timestamp proves that the data must have existed at the time, obviously, in order to get into the hash.Each timestamp includes the previous timestamp in its hash, forming a chain, with each additional timestamp reinforcing the ones before it.Owner 3's Private KeyHashHashBlock2BlockItemItem...ItemItem...VerifyVerifySignSign4. Proof-of-WorkTo implement a distributed timestamp server on a peer-to-peer basis, we will need to use a proof- of-work system similar to Adam Back's Hashcash [6], rather than newspaper or Usenet posts.Adam is the relatively (compared to unctuous CTO Greg Maxwell) cypherpunk and CEO of the controversial Blockstream, funded in part by Tencent in China.The proof-of-work involves scanning for a value that when hashed, such as with SHA-256, the hash begins with a number of zero bits.The average work required is exponential in the number of zero bits required and can be verified by executing a single hash.For our timestamp network, we implement the proof-of-work by incrementing a nonce in the block until a value is found that gives the block's hash the required zero bits.[Can someone help translate all this into plain English?]Once the CPU effort has been expended to make it satisfy the proof-of-work, the block cannot be changed without redoing the work.Immutable.As later blocks are chained after it, the work to change the block would include redoing all the blocks after it.The proof-of-work also solves the problem of determining representation in majority decision making.If the majority were based on one-IP-address-one-vote, it could be subverted by anyone able to allocate many IPs.Wonder what Satoshi thought of Proof of Stake at the time he wrote the white paper in 2008.Proof-of-work is essentially one-CPU-one-vote.Does hash rate matter more than full nodes?The majority decision is represented by the longest chain, which has the greatest proof-of-work effort invested in it.Some developers like Gavin Andressen IIRC tweeted that the real Bitcoin is the one with the longest chain, and that might be Bitcoin Cash.If a majority of CPU power is controlled by honest nodes, the honest chain will grow the fastest and outpace any competing chains.This is why small blockers want to ensure that blocksizes per second remain small - or become even smaller - so that many people - not just miners - can run full nodes and keep miners honest and reduce the risk of miners colluding and engaging a majority attack.To modify a past block, an attacker would have to redo the proof-of-work of the block and all blocks after it and then catch up with and surpass the work of the honest nodes.It would appear that Bitcoin is only immutable to the extent that most of the CPU power is controlled by honest nodes.We will show later that the probability of a slower attacker catching up diminishes exponentially as subsequent blocks are added.Arguably Bitcoin becomes harder to attack as blocks grow.To compensate for increasing hardware speed and varying interest in running nodes over time, the proof-of-work difficulty is determined by a moving average targeting an average number of blocks per hour. If they're generated too fast, the difficulty increases.5. NetworkThe steps to run the network are as follows:1) New transactions are broadcast to all nodes.2) Each node collects new transactions into a block.3) Each node works on finding a difficult proof-of-work for its block.4) When a node finds a proof-of-work, it broadcasts the block to all nodes.5) Nodes accept the block only if all transactions in it are valid and not already spent.6) Nodes express their acceptance of the block by working on creating the next block in the chain, using the hash of the accepted block as the previous hash.Nodes always consider the longest chain to be the correct one and will keep working on extending it. If two nodes broadcast different versions of the next block simultaneously, some nodes may receive one or the other first. In that case, they work on the first one they received, but save the other branch in case it becomes longer. The tie will be broken when the next proof- of-work is found and one branch becomes longer; the nodes that were working on the other branch will then switch to the longer one.3BlockBlockPrev HashNoncePrev HashNonceTxTx...TxTx...New transaction broadcasts do not necessarily need to signNow all nodes. As long as they signNow many nodes, they will get into a block before long. Block broadcasts are also tolerant of dropped messages. If a node does not receive a block, it will request it when it receives the next block and realizes it missed one.6. IncentiveBy convention, the first transaction in a block is a special transaction that starts a new coin owned by the creator of the block. This adds an incentive for nodes to support the network, and provides a way to initially distribute coins into circulation, since there is no central authority to issue them. The steady addition of a constant of amount of new coins is analogous to gold miners expending resources to add gold to circulation. In our case, it is CPU time and electricity that is expended.The incentive can also be funded with transaction fees. If the output value of a transaction is less than its input value, the difference is a transaction fee that is added to the incentive value of the block containing the transaction. Once a predetermined number of coins have entered circulation, the incentive can transition entirely to transaction fees and be completely inflation free.The incentive may help encourage nodes to stay honest. If a greedy attacker is able to assemble more CPU power than all the honest nodes, he would have to choose between using it to defraud people by stealing back his payments, or using it to generate new coins. He ought to find it more profitable to play by the rules, such rules that favour him with more new coins than everyone else combined, than to undermine the system and the validity of his own wealth.7. Reclaiming Disk SpaceOnce the latest transaction in a coin is buried under enough blocks, the spent transactions before it can be discarded to save disk space. To facilitate this without breaking the block's hash, transactions are hashed in a Merkle Tree [7][2][5], with only the root included in the block's hash. Old blocks can then be compacted by stubbing off branches of the tree. The interior hashes do not need to be stored.BlockBlock Header (Block Hash)Prev HashNonceRoot HashHash01Hash23Hash0Hash1Hash2Hash3Tx0Tx1Tx2Tx3BlockBlock Header (Block Hash)Prev HashNonceRoot HashHash01Hash23Hash2Hash3Tx3Transactions Hashed in a Merkle Tree After Pruning Tx0-2 from the BlockA block header with no transactions would be about 80 bytes. If we suppose blocks are generated every 10 minutes, 80 bytes * 6 * 24 * 365 = 4.2MB per year. With computer systems typically selling with 2GB of RAM as of 2008, and Moore's Law predicting current growth of 1.2GB per year, storage should not be a problem even if the block headers must be kept in memory.48. Simplified Payment VerificationIt is possible to verify payments without running a full network node. A user only needs to keep a copy of the block headers of the longest proof-of-work chain, which he can get by querying network nodes until he's convinced he has the longest chain, and obtain the Merkle branch linking the transaction to the block it's timestamped in. He can't check the transaction for himself, but by linking it to a place in the chain, he can see that a network node has accepted it, and blocks added after it further confirm the network has accepted it.Longest Proof-of-Work ChainBlock HeaderBlock HeaderBlock HeaderPrev HashNoncePrev HashNoncePrev HashNonceMerkle RootMerkle RootMerkle RootHash01 Hash23Merkle Branch for Tx3Hash2 Hash3Tx3As such, the verification is reliable as long as honest nodes control the network, but is more vulnerable if the network is overpowered by an attacker. While network nodes can verify transactions for themselves, the simplified method can be fooled by an attacker's fabricated transactions for as long as the attacker can continue to overpower the network. One strategy to protect against this would be to accept alerts from network nodes when they detect an invalid block, prompting the user's software to download the full block and alerted transactions to confirm the inconsistency. Businesses that receive frequent payments will probably still want to run their own nodes for more independent security and quicker verification.9. Combining and Splitting ValueAlthough it would be possible to handle coins individually, it would be unwieldy to make a separate transaction for every cent in a transfer. To allow value to be split and combined, transactions contain multiple inputs and outputs. Normally there will be either a single input from a larger previous transaction or multiple inputs combining smaller amounts, and at most two outputs: one for the payment, and one returning the change, if any, back to the sender.It should be noted that fan-out, where a transaction depends on several transactions, and those transactions depend on many more, is not a problem here. There is never the need to extract a complete standalone copy of a transaction's history.5TransactionInOutIn......10. PrivacyThe traditional banking model achieves a level of privacy by limiting access to information to the parties involved and the trusted third party. The necessity to announce all transactions publicly precludes this method, but privacy can still be maintained by breaking the flow of information in another place: by keeping public keys anonymous. The public can see that someone is sending an amount to someone else, but without information linking the transaction to anyone. This is similar to the level of information released by stock exchanges, where the time and size of individual trades, the "tape", is made public, but without telling who the parties were.Traditional Privacy ModelTransactionsNew Privacy ModelIdentities TransactionsAs an additional firewall, a new key pair should be used for each transaction to keep them from being linked to a common owner. Some linking is still unavoidable with multi-input transactions, which necessarily reveal that their inputs were owned by the same owner. The risk is that if the owner of a key is revealed, linking could reveal other transactions that belonged to the same owner.11. CalculationsWe consider the scenario of an attacker trying to generate an alternate chain faster than the honest chain. Even if this is accomplished, it does not throw the system open to arbitrary changes, such as creating value out of thin air or taking money that never belonged to the attacker. Nodes are not going to accept an invalid transaction as payment, and honest nodes will never accept a block containing them. An attacker can only try to change one of his own transactions to take back money he recently spent.The race between the honest chain and an attacker chain can be characterized as a Binomial Random Walk. The success event is the honest chain being extended by one block, increasing its lead by +1, and the failure event is the attacker's chain being extended by one block, reducing the gap by -1.The probability of an attacker catching up from a given deficit is analogous to a Gambler's Ruin problem. Suppose a gambler with unlimited credit starts at a deficit and plays potentially an infinite number of trials to try to signNow breakeven. We can calculate the probability he ever signNowes breakeven, or that an attacker ever catches up with the honest chain, as follows [8]:p = probability an honest node finds the next block q = probability the attacker finds the next block qz = probability the attacker will ever catch up from z blocks behindIdentitiesTrusted Third PartyPublicq ={ 1 if p≤q} z q/pz if pq6CounterpartyPublicGiven our assumption that p > q, the probability drops exponentially as the number of blocks the attacker has to catch up with increases. With the odds against him, if he doesn't make a lucky lunge forward early on, his chances become vanishingly small as he falls further behind.We now consider how long the recipient of a new transaction needs to wait before being sufficiently certain the sender can't change the transaction. We assume the sender is an attacker who wants to make the recipient believe he paid him for a while, then switch it to pay back to himself after some time has passed. The receiver will be alerted when that happens, but the sender hopes it will be too late.The receiver generates a new key pair and gives the public key to the sender shortly before signing. This prevents the sender from preparing a chain of blocks ahead of time by working on it continuously until he is lucky enough to get far enough ahead, then executing the transaction at that moment. Once the transaction is sent, the dishonest sender starts working in secret on a parallel chain containing an alternate version of his transaction.The recipient waits until the transaction has been added to a block and z blocks have been linked after it. He doesn't know the exact amount of progress the attacker has made, but assuming the honest blocks took the average expected time per block, the attacker's potential progress will be a Poisson distribution with expected value:=z q pTo get the probability the attacker could still catch up now, we multiply the Poisson density for each amount of progress he could have made by the probability he could catch up from that point:∞ ke−{q/pz−k ifk≤z} ∑k=0 k!⋅ 1 ifkzRearranging to avoid summing the infinite tail of the distribution...z ke− z−k 1−∑k=0 k! 1−q/p Converting to C code... #include
double AttackerSuccessProbability(double q, int z) { double p = 1.0 - q; double lambda = z * (q / p); double sum = 1.0; int i, k; for (k = 0; k <= z; k++) { double poisson = exp(-lambda); for (i = 1; i <= k; i++) poisson *= lambda / i; sum -= poisson * (1 - pow(q / p, z - k)); }return sum; }7Running some results, we can see the probability drop off exponentially with z. q=0.1 z=0 P=1.0000000 z=1 P=0.2045873 z=2 P=0.0509779 z=3 P=0.0131722 z=4 P=0.0034552 z=5 P=0.0009137 z=6 P=0.0002428 z=7 P=0.0000647 z=8 P=0.0000173 z=9 P=0.0000046 z=10 P=0.0000012 q=0.3 z=0 P=1.0000000 z=5 P=0.1773523 z=10 P=0.0416605 z=15 P=0.0101008 z=20 P=0.0024804 z=25 P=0.0006132 z=30 P=0.0001522 z=35 P=0.0000379 z=40 P=0.0000095 z=45 P=0.0000024 z=50 P=0.0000006 Solving for P less than 0.1%... P < 0.001 q=0.10 z=5 q=0.15 z=8 q=0.20 z=11 q=0.25 z=15 q=0.30 z=24 q=0.35 z=41 q=0.40 z=89 q=0.45 z=340 12. ConclusionWe have proposed a system for electronic transactions without relying on trust. We started with the usual framework of coins made from digital signatures, which provides strong control of ownership, but is incomplete without a way to prevent double-spending. To solve this, we proposed a peer-to-peer network using proof-of-work to record a public history of transactions that quickly becomes computationally impractical for an attacker to change if honest nodes control a majority of CPU power.Do coins have a majority of CPU power?The network is robust in its unstructured simplicity. Nodes work all at once with little coordination. They do not need to be identified, since messages are not routed to any particular place and only need to be delivered on a best effort basis. Nodes can leave and rejoin the network at will, accepting the proof-of-work chain as proof of what happened while they were gone. They vote with their CPU power, expressing their acceptance of valid blocks by working on extending them and rejecting invalid blocks by refusing to work on them.Any needed rules and incentives can be enforced with this consensus mechanism.The controversial UASF (User Activated Soft Fork) push for SegWit was arguably an example of consensus and honest folk running full nodes forcing the Bitcoin community (miners) to make SegWit an option for users, merchants, exchanges, etc. and pave the way for SegWit adoption.8References[1] W. Dai, "b-money," http://www.weidai.com/bmoney.txt, 1998.[2] H. Massias, X.S. Avila, and J.-J. Quisquater, "Design of a secure timestamping service with minimal trust requirements," In 20th Symposium on Information Theory in the Benelux, May 1999.[3] S. Haber, W.S. Stornetta, "How to time-stamp a digital document," In Journal of Cryptology, vol 3, no 2, pages 99-111, 1991.[4] D. Bayer, S. Haber, W.S. Stornetta, "Improving the efficiency and reliability of digital time-stamping," In Sequences II: Methods in Communication, Security and Computer Science, pages 329-334, 1993.[5] S. Haber, W.S. Stornetta, "Secure names for bit-strings," In Proceedings of the 4th ACM Conference on Computer and Communications Security, pages 28-35, April 1997.[6] A. Back, "Hashcash - a denial of service counter-measure," http://www.hashcash.org/papers/h..., 2002.[7] R.C. Merkle, "Protocols for public key cryptosystems," In Proc. 1980 Symposium on Security and Privacy, IEEE Computer Society, pages 122-133, April 1980.[8] W. Feller, "An introduction to probability theory and its applications," 1957.9 -
What is Bitcoin? How does it work? I am an Indian. How does it work in India?
David Malan/Photographer's Choice RF/Getty ImagesBitcoin – the virtual banking currency of the internet – has existed for several years now and many people have questions about them. Where do they come from? Are they legal? Where can you get them? We've got the answers to those questions and more.What Are Bitcoins?Bitcoins are electronic currency, otherwise known as 'cryptocurrency'. Bitcoins are a form of digital public money that is created by painstaking mathematical computations and policed by millions of computer users called 'miners'.Bitcoins are, in essence, electricity converted int...
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How would I contact Mycelium Client Benefits?
Mycelium Customer service number 1–800–298–9018 Mycelium Customer support number project by Megion Research & Development GmbH makes a number of products including the Mycelium Bitcoin Wallet, Entropy, Bitcoincard, Mycelium Gear (a payment gateway), ATMs, Local Trader, and Tabtrader. It is located in Vienna, Austria.The Mycelium Bitcoin Wallet is available for Android and for iOS. The source is available for review on GitHub. It has been awarded the prestigious "Best Mobile App" award by Bitcoin Block Explorer - Blockchain in 2014.[1]It is available in 12 languages, translated by volunteersBitcoin Wallet Features100% control over your private keys, they never leave your device unless you export themNo block chain download, install and run in secondsUltra fast connection to the Bitcoin network through our super nodes located in different data centersWatch-only addresses & private key import for secure cold-storage integrationEncrypted PDF backup and restore of single key accountsSend and receive by specifying an amount in Fiat and switch between fiat and BTC while entering the amountAddress book for commonly used addressesTransaction history with full transaction detailsImport private keys using SIPA, mini private key format (Casascius private keys) or xPriv from QR-codes or clipboardExport private keys as QR-codes, on clipboard, or as encrypted PDFsSecure your wallet with a PINCompatible with other bitcoin services through bitcoin: uri handlingCompatible with Orbot (socks setting) so you may connect via Tor even without rootingSupport for BIP38 KeysView your balance in 164 fiat currenciesIntegrated QR-code scannerFind other people to trade Bitcoins with the integrated Local TraderDirectly spend from paper wallets (single key, xPriv or master seed)Trezor enabled - directly spend from trezor-secured accounts.Mycelium Entropy compatible Shamir-Secret-Shared 2-out-of-3 keys spendingCompatible with other bitcoin services through bitcoin: uri handlingShare your bitcoin address using NFC, Twitter, Facebook, email and more.BIP70 payment request compatibleIntegration with service Cashila to send money via SEPA[3]Support for BitID AuthenticationDeterministic signatures for Bitcoin transactions (RFC6979)Local TraderMycelium Local Trader is a decentralized in-person exchange that is built right into the Mycelium bitcoin wallet. Because the coins are stored locally in your wallet, the Local Trader exchange never needs to hold any of your bitcoins or fiat. Local Trader servers only help arrange the trade between buyers and sellers, manage the transaction, and calculate reputation ratings based on the trades.BitcoincardBitcoincard is a stand-alone device that acts as an electronic wallet. It can be used to secure the wallet in a safe place (outside the computer, making it inaccessible to hackers). The goal is to create an infrastructure-independent, self-powered, ad-hoc network that could dynamically form wherever a sufficient number of nodes came together to support it. A prototype was presented in Q1 2015.[4]Mycelium EntropyMycelium Entropy is a small USB device that uses hardware based entropy to generate directly printable Bitcoin paper wallets, without the need for a PC. The project was successfully funded on Indiegogo[5].Mycelium GearMycelium Gear is designed to allow you to receive BTC from customers directly into your wallet controlled by you only. Mycelium Gear eliminates the notion of payouts - you get your BTC instantly. It's easy to integrate with your online store or website, with no special skills required. Optionally you can convert your BTC to fiat using the Cashila service.
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