10 Bitcoin = 683982 Croatian Kuna (HRK) - Walletinvestor.com

Banca internacional #03 UK LT BG MT DE – Intro EU y Fintech

Este contenido fue publicado originalmente el 06/08/2019 - Aca
Posts anteriores de la serie

Background e intro
La Union Europea y en cuestión el Area Economica Europea o single market es un colectivo de veintiocho estados, cuales en su mayoría abolieron todo tipo de controles migratorios internos. También llamado Area Schengen, aunque esta, no incluye los veintiocho miembros sino, veintiséis.

De la misma manera, el “single market” o Eurosystem, mercado común europeo y su moneda de facto el Euro, ISO 4217 : EUR no se usa en todos los miembros del área política. Sin embargo todos los miembros de la Union Europea y varias de las jurisdicciones que no usan el Euro como su moneda de intercambio oficial (Romania, Polonia, Suiza, Dependencias de la corona, etc.) son parte del área SEPA compuesta por 36 miembros.

SEPA, Single Euro Payment Area es un protocolo de créditos y débitos bancarios entre personas físicas o legales de rápida ejecución operando 100% bajo el estándar IBAN. Es moderno comparado con otros sistemas similares como el ACH o wires locales americanos, ciertamente anticuados y de un costo mucho mas alto de operar.

Por regulación del ECB (European Central Bank) los pagos SEPA ya sean créditos o débitos deben ser gratuitos y se considera ilegal cobrar por una transferencia SEPA.

Esto dicho, varias instituciones cobran un “fee” por la ejecución de transferencias SEPA bajo alguna descripción a modo de eufemismo.

Si bien SEPA es considerado relativamente moderno, SEPA ICT (Instant Credit Transfer) ya se encuentra desarrollado y en proceso de implementación. Bajo el nuevo standard, las transferencias SEPA son ejecutadas en tiempo real con el fin de incentivar la implementación y adopción de las tecnologías fintech desarrolladas por privados bajo el tutelaje del ECB.

Desde hace aproximadamente diez años, el ECB comenzó a liberalizar el mercado bancario a modo de desconcentrar el monopolio de la banca europea. De esta manera dieron comienzo a las entidades EMI (Electronic Money Institutions). Entidades quasi bancarias, las cuales pueden ofrecer IBANs personales de manera instantánea y emitir tarjetas de pago (en general no debito sino prepagas directamente ligadas a una cuenta personal).

Regulación

La flexibilización de la banca europea via fintech tiene sus rarezas, la mayoría de las nuevos “bank challengers” usaron frases del tipo “we are not a bank, we are better tan a bank” y similares. Muy cool a los ojos de un millenial rebelde sin embargo el wording es exacto. Una entidad EMI no es un banco, no está siquiera remotamente cerca de serlo. Estas entidades no operan con efectivo, ni en general ofrecen créditos, o inversiones o tasas de interés (mas allá de que la tasa de interés del ECB se encuentra en el área negativa hace años) porque la verdad es que una entidad EMI no está a autorizada a tomar depósitos en Euros.

Cuando decimos “Electronic Money Institution” en realidad debería leerse más como “token”, la gente que usa crypto entenderá de manera más fácil. Al momento del depósito, la entidad mueve nuestros Euros a una cuenta a su nombre en una entidad bancaria real en general en la jurisdicción en la cual está registrada y licenciada aunque esto no es necesario. Los depósitos, a diferencia de un banco, no se pueden ofrecer a modo de prestamos ni se pueden invertir y se deben mantener segregados. Como una especie de cuenta escrow. En el mismo momento, de manera instantánea intercambia 1 for 1 cada euro por un token dentro de su plataforma al que le podemos poner el símbolo y nombre de euro pero al mismo tiempo no lo es. Al momento de efectuar un pago fuera de la plataforma el ejecutor intercambia nuevamente nuestro token por 1 euro cash que se encuentra depositado en la cuenta escrow y lo envía via SEPA o SEPA card hacia un comercio o una persona física/juridica a modo de pago.

Esta pequeña diferencia hace que el statement “we are not a bank” tenga un significado mucho más verosímil en lo legal de lo aparentemente anunciado. Y por esta razón, suelen lidiar con clientes de mayor riesgo que un banco tradicional. A manera de un sandbox monetario.

El problema principal, más allá de la oferta de banca básica y el peligro de que la entidad desaparezca de la noche a la mañana sin dejar rastro. Los depósitos en las EMIs no están cubiertos por el seguiro de depósitos de ninguna jurisdicción ni por el ECB.

En un comienzo, hace unos años uno podía abrir una cuenta en algún país del báltico, recibir una tarjeta MasterCard en Euros y empezar a recibir pagos de manera instantánea luego de un onboarding básico de 5 minutos vía una App. Algunos proveedores inclusive ofrecen una dirección de Bitcoin a la cual, si uno envía BTC, es convertido automáticamente a depósitos en EUR a la cotización del momento del clearing de la transaccion. Suena too good to be true no?

Bueno MasterCard y Visa también pensaron eso. En el 2018 cancelaron todas las tarjetas de los EMIs en Europa y renegociaron las licencias de emisión. Muchos proveedores de servicios financieros nunca emitieron tarjetas nuevamente y se dedicaron solo a cuentas virtuales. Los proveedores que sobrevivieron y encontraron su nicho se vieron en una situación grow or die.

Pero como se puede crecer sin poder ofrecer más servicios bancarios, crypto estaba sufiendo un slump terrible… Ah si, licencias bancarias.

Y así llegamos al presente, donde “we are not a bank” es una falacia y si, ya somos un banco. Tenemos una licencia, aseguramos tus depósitos y podemos ofrecer más servicios bancarios. El passporting de servicios está en toda su gloria, a costo de muchos de nuestros beneficios. La consecuencia principal? Todos los usuarios de riesgo, eliminados. Non-residents? Fuera, Gambling? Fuera, Crypto trading? Fuera…

KYC más estricto(si se lo puede llamar asi), mayor escrutinio de transacciones, CRS, suspensiones de cuentas y otros detalles están a la orden del día.

En la situación actual, siguen existiendo EMIs que hacen menos preguntas al costo de algunos Euros por mes. Donde podemos enviar y recibir fondos de un crypto Exchange o de TransferWise (a contrariedad de BruBank*… EJEM…*) y operar pagos de manera normal. No es un arreglo definitivo pero es de bajo costo y puede servir de “buffer” entre negocios que pueden atraer cierto escrutinio a nuestras cuentas en banco tradicionales.

Obviamente esto es un arma de doble filo y afecta a todos los miembros de la cadena de la misma forma. En mi caso, tuve que hacer un “White listing” luego de un intercambio de emails con soporte, de cuentas en Lithuania en las Crypto Exchanges que uso porque no querían procesar mis depósitos y ponían todas mis transacciones on hold de manera indefinida. La explicación? “Too much fraud from those suppliers”.

Esto dicho, para las instituciones que no son crypto friendly, esto puede ser la salvación. Un depósito de otra cuenta a tu nombre es mejor que un depósito a nombre de Kraken Payward o Bitstamp Limited.

Las licencias bancarias son un gran desarrollo para el mundo fintech europeo, lamentablemente tiene un gran costo a nivel usuario. Hay muchos menos proveedores que ofrezcan servicio a no residentes.

Los riesgos de los EMIs son reales, muchos han desaparecido sin dejar rastro, otros como WorldCore se vieron enrollados en lavado de dinero Ruso y cancelación masiva de sus tarjetas por parte de Visa y MasterCard Europe a punto tal que se vieron obligados a cerrar. WorldCore sigue en venta hoy día. SataBank un banco digital basado en Malta de capitales Bulgaros entro en administración para nunca más reaparecer.

Otros tuvieron que reinventarse o separarse. PayMix se disolvió en dos compañías una para personas físicas y otra para personas legales. Ejemplos de este tipo existen por montones.

Instituciones de interés

Globitex – UK/Lithuania
https://globitex.com/euro-wallet
Licencia: Crypto UK/Wallet EMI Lithuania
Cuentas: Personal/Business
Tarjeta: No.
No residentes: Si.
Detalle: Globitex es un crypto broker el cual simplifica el intercambio de crypto por fiat via el uso de un servicio de wallet (EMI) el cual posee un IBAN personalal y unico a nombre del UBO de la cuenta.
El servicio tiene algunos costos sin embargo es una buena alternativa para ejecutar pagos via SEPA.
En este momento 14 dias de trading sin costo, imagino que las operaciones de la cuenta si tienen costo, sin embargo desde que empezaron a ofrecer el servicio, los cargos por operar se han reducido substancialmente.

MisterTango – Lithuania
https://www.mistertango.com/en/
Licencia: EMI
Cuentas: Personal/Business
Tarjeta: Temporalmente suspendidas.
No residentes: Si.
Detalle: Las cuentas funcionan, la mía personalmente desde hace más de 2 años. Existe integración a su propia exchange de crypto. Ofrecen servicios para traders de crypto y dirección de BTC con deposito a EUR instantáneo.
Hay que tener en cuenta que la oferta de servicios en el pasado era muy superior. Incluía dirección de BTC, transferencias SWIFT, transferencias SEPA, tarjeta MasterCard Euro, acceso al Exchange, top up de la cuenta via tarjetas de debito/crédito y opción de una API para facturar.
Hoy día está dividido en diferentes segmentos y el pricing varía según el paquete elegido, nacionalidad y residencia.

LeoPay – Bulgaria
https://leopay.eu/
Licencia: EMI
Cuentas: Personal/Business con preferencia a Estonian e-residents.
Tarjeta: Si, debito Visa, con condición de dos tarjetas por cuenta o una tarjeta por currency.
No residentes: Si.
Detalle: Originalmente llamado LeuPay registrado en Malta de capitales Bulgaros. Usaban de backend SataBank, así que si leyeron lo anterior entenderán el cambio de nombre de la entidad.
Cuentas multicurrency en EUR, USD, GBP, CHF, RON, HRK, JPY, BGN, PLN, CZK.

Paysera – Lituania
https://www.paysera.lt/v2/lt-LT/index
Licencia: EMI
Cuentas: Personal/Business. Es posible obtener más de una cuenta por cliente.
Tarjeta: Si, debito Visa.
No residentes: Si.

PayMix Pro – Malta
https://www.paymix.pro/
Licencia: Institución financiera Maltesa
Cuentas: Business
Tarjeta: Debito
No residentes: Si.

Prospero – Malta
https://www.yourprospero.com/
Licencia: Institución financiera Maltesa
Cuentas: Personal
Tarjeta: Debito
No residentes: Si.

Deutsche Handelsbank – Alemania
https://www.handelsbank.com/en/bc/home-business-customers.html
Licencia: Bancaria propia.
Cuentas: Business. Es posible obtener más de una cuenta por cliente.
Tarjeta: No.
No residentes: Si.
Detalle: Es un pequeño banco alemán que se especializan en cuentas únicamente para personas legales con licencia y backend bancario propio.

N26 – Alemania
Licencia: Bancaria propia.
Cuentas: Personal/Business
Tarjetas: Debito/Crédito
No residentes: No*.
Detalle: No aceptan no-residentes en el Area economía europea, sin embargo si aceptan pasaporte Argentino y cualquier numero de móvil. El requerimiento es una dirección de correo en el Área Económica para recibir la tarjeta. (Chripre no es una opción para la dirección).

Revolut – Lithuania/UK
https://www.revolut.com/
Licencia: Bancaria propia (UK)
Cuentas: Personal/Business.
Tarjeta: Si, variedad dependiendo del tier.
No residentes: No*
Detalle: Revolut evoluciono desde una licencia de EMI a una entidad con licencia bancaria. Siempre en las noticias por las razones equivocadas, han quedado atrás los días en los que la banca Lituana los decepcionaba. Lamentablemente los reportes de cuentas congeladas persisten y rehabilitarlas puede tardarse meses.
Revoluto ofrece tarjetas con conversión de divisas usando el mid-market rate y sin FX conversion fee. Ofrecen crypto trade (CFDs) y muy recientemente una plataforma de inversiones. Si han leído mi post titulado Banca internacional #02 – United Kingdom, where it all began y repararon en el detalle de que la licencia bancaria es de Reino Unido, si, están en lo correcto. Esta entidad no puede técnicamente aceptar no-residentes si tiene una licencia bancaria ringfenced. Sin embargo, tal como es el caso con varias de alternativas, una dirección de correo dentro de Reino Unido o Europa suele bastarle a los clientes para hacerse de una cuenta.
UPDATE: Recientemente Revolut agrego un setting muy interesante, la cual permite, una vez registrados como clientes cambiar la residencia fiscal. No hay muchos datos con respecto a qué efectos tiene sobre la cuenta más allá de una suspensión quasi instantánea. Sin embargo! Según la jurisdicción de residencia fiscal seleccionada, también nos puede dar como opción “Email us to [[email protected]](mailto:[email protected]) and let’s see what we can do.”

TransferWise
https://transferwise.com/
Licencia: Money transfer (UK), EMI (Lithiania)
Cuentas: Personal/Business y Borderless, 4 currencies GBP, EUR, NZD, AUD y condicionalmente USD.
Tarjeta: Si, MasterCard para residentes del Area Economica Europea.
No residentes: Si.
Detalle: Conocido por casi todos hoy día, la aplicación de cabecera para remittances elegida por todos los millenials. No es la mejor sin embargo es la que tiene mejor publicidad y estrategia.
Se sabe que hay clientes quienes han usado datos postales europeos para registrarse y han logrado recibir la tarjeta en condición de no residentes.

Disponibles fuera de sus países de registro en breve

Insha – Alemania con backing de Al Baraka (Turquía)
https://www.getinsha.com/
Detalle: Primer banca islámica digital en Europa. Que esto no los detenga en ver el servicio que ofrecen. Dado los servicios que ofrecen (y la carencia de interés computado en depósitos) es una plataforma idea para banca Islámica.

ToMoRRoW - Alemania
https://www.tomorrow.one/en-de/
Detalle: Banca alemana sustentable.

Kontist – Alemania
https://kontist.com/
Detalle: Banca digital para pequeños negocios o freelancers con implementación de contabilidad y taxación.

Tarjetas

Algunos EMIs solo ofrecen tarjetas. En general son productos sub-prime y consecuentemente los fees son usureros. No voy a entrar en detalle sobre el ofrecimiento de servicios de estos proveedores, pero les dejo algunos por una cuestión de mera curiosidad y cobertura de alternativas.


Nota final
Existen muchos servicios más de tipo pseudo bancario en Europa. Podría publicar un post infinito con 500 URLs y links a cada uno de ellos. Muchos con respaldo de Bancos centenarios y prácticamente todos con requerimiento de residencia en la Unión Europea. Si desean mas información, puedo hacer un post apartado. Pero más allá del landing page, no van a poder utilizar ningún servicio.
Es más fácil abrir una cuenta en un banco normal para no residentes en Europa de manera personal que intentar circunventar la legislación y regulación pertinente a los bancos o EMIs digitales reservados para Europeos.

Donations.
Token Wallet address BTC 19xvUdQoZosrzYKNaTCK834zRkg5Bogop BCH qqqmyqjspnq0fazk9wvv0elc8vxdp2rkvgfqs3s87x LTC LKNvBgwEtE3w7oEUYiSVb96qCe7xFDBvp8 ETH/DAI 0x1cbbcf2ca8849893ad7feac5ef5c735f6d91fa4e XMR 44AXEt8ZkmjgGuUrPaoNTzBGhp92L3HozSYxAip7dz8qL6A3neJBriLRSjC8Qnam4tEhfw2yXzcXsbZ2dJiWHDC7Ji8nBvx 
submitted by diyexageh to LATAM_PersonalFinance [link] [comments]

To people who use impulse gta mod menu

I want to buy Impulse but there is a few problems trying to obtain it. 1. I tried to buy it from a person on shoppy named something like “Harley” and didn’t give a fuck.
  1. When I try to purchase a cryto voucher thru the recommended sites such as HRK, flexepin, giftecards, MMOGA, and SCD. When I pay in PayPal, it doesn’t allow it and says “Return to Merchant”
  2. I looked at at recovery saints and they’re out of stock and don’t know when they stock up, is it scheuled or something?
  3. I heard of Skrill as a payment method on the other sites and wanted to know is it good to use?
  4. Bitcoin? Hell nah I can’t do that.
If impulse is not a option, I just need a mod menu that will this: • get me to 1 billion dollars in gta • Unlock everything such as clothes, items, and locked items that can be obtained. • put my level at 240 and crew level at no ban
Please message back. Thanks for reading this out of the time of your day.
submitted by pxrxz to Gta5Modding [link] [comments]

On the topic of Bitcoin and currencies name confusion (Bitcoin Cash, Bitcoin SV, Bitcoin BTC, Ethereum ETH, Ethereum ETC..)

The topic of cryptocurrencies name confusion come back regularly.
It is often presented as a proof that Bitcoin Cash is trying to mislead newbie and steal the “Bitcoin” brand.
While I agree currencies sharing similar name can be confusing, the situation is not new and in reality extremely common.
It is the norm, not the exception.
It is actually relatively rare to have a currency with unique, non-shared name.
Any peoples with only a bit of knowledge should know this situation exist and be prepared for it when trading currencies whatever it is crypto or regular FIAT.
If anything crypto have shown so far a remarkable consistency. (Somewhat surprising as crypto are open source project while FIAT currencies are state enforced)
Here I collect some examples, the list is pretty exhaustive fell free to let me know if you have other examples I will add them to the list.
Dollars:
US Dollars USD
Australian Dollar AUD
New Zealand NZD
Barbadian dollars BBD
Bermudian dollars BMD
Brunian dollars BND
Bahamian dollars BSD
Belizean dollars BZD
Canadian dollars CAD
Finjian dollars FJD
Taiwan new dollars TWD
Pounds:
Britsh pounds GBP
Egyptian pounds EGP
Falkland island pounds FKP
Guerney pounds GGP
Gibraltar pounds GIP
Isle of man pounds IMP
Jersey pounds JE Lebanese pounds LBP
Sudanese pounds SDG
Saint Helenian pounds SHP
Syrian pounds SYP
Pesos:
Argentinian Pesos ARS
Chilan Pesos CLP
Combian Pesos COP
Cuban Pesos CUC
Dominican Pesos DOP
Mexican Pesos MXP
Philipine Pesos PHP
Uruguayan Pesos UYU
Rubles:
Belaruzian rubles BYB
Russian rubles RUB
Krona:
Nowegian Krona NOK
Swedish Krona SEK
Danish Krona DKK
Icelandic Krona ISK
Croatian Krona HRK
Czeck Krona CZK
Francs:
French francs (dead)
Swiss francs CHF
Francs CFA XOF
Burudian francs BIF
Congolese francs CDF
Djibutian francs DJF
Guinean francs GNF
Comorian francs KMF
Rwanda francs RWF
Dinars:
Bahraini Dinars BHD
Algerian Dinars DZD
Iraqi Dinars IQD
Jordanian Dinars JOD
Kuwaiti Dinars KWD
Lybian Dinars LYD
Serbian Dinars RSD
Tunisian Dinars TND
Shillings:
Kenyan shillings KES
Somali shillings SOS
Tanzanian shillings TZD
Ugandan shillings UGX
Rupee:
Indian rupees INR
Sri lankan rupees LKR
Mauritian rupees MUR
Nepalese rupees NPR
Pakistan rupees PKR
Seychellois rupees SCR
Indonesian rupiahs IPR
I recommend to link this post next time you encounter this argument again.
I think there is no need wasting energy debating such points.
It is a normal characteristics of currencies and while possibly annoying it has to be accepted (and is simply unavoidable).
Edit: format hate me
submitted by Ant-n to btc [link] [comments]

Impulse

To people who use impulse gta mod menu
I want to buy Impulse but there is a few problems trying to obtain it. 1. I tried to buy it from a person on shoppy named something like “Harley” and didn’t give a fuck.
  1. When I try to purchase a cryto voucher thru the recommended sites such as HRK, flexepin, giftecards, MMOGA, and SCD. When I pay in PayPal, it doesn’t allow it and says “Return to Merchant”
  2. I looked at at recovery saints and they’re out of stock and don’t know when they stock up, is it scheuled or something?
  3. I heard of Skrill as a payment method on the other sites and wanted to know is it good to use?
  4. Bitcoin? Hell nah I can’t do that.
If impulse is not a option, I just need a mod menu that will this: • get me to 1 billion dollars in gta • Unlock everything such as clothes, items, and locked items that can be obtained. • put my level at 240 and crew level at no ban
Please message back. Thanks for reading this out of the time of your day.
submitted by pxrxz to GTAVmoddingPC [link] [comments]

Impulse

To people who use impulse gta mod menu
I want to buy Impulse but there is a few problems trying to obtain it. 1. I tried to buy it from a person on shoppy named something like “Harley” and didn’t give a fuck.
  1. When I try to purchase a cryto voucher thru the recommended sites such as HRK, flexepin, giftecards, MMOGA, and SCD. When I pay in PayPal, it doesn’t allow it and says “Return to Merchant”
  2. I looked at at recovery saints and they’re out of stock and don’t know when they stock up, is it scheuled or something?
  3. I heard of Skrill as a payment method on the other sites and wanted to know is it good to use?
  4. Bitcoin? Hell nah I can’t do that.
If impulse is not a option, I just need a mod menu that will this: • get me to 1 billion dollars in gta • Unlock everything such as clothes, items, and locked items that can be obtained. • put my level at 240 and crew level at no ban
Please message back. Thanks for reading this out of the time of your day.
submitted by pxrxz to GTAV [link] [comments]

A more detailed look into Localbitcoins.com data

TL;DR
Localbitcoins.com did 34,000 BTC a week ago, spread out over ~50 local currencies. Check out the graphs!
Summary
Last week I did a short analysis on trades at Localbitcoins.com (LBTC). I wasn't satisfied with the incomplete data Bitcoincharts.com gave me and decided to delve a bit deeper, with some nice data and graphs as a result!
Problem
LBTC doesn't publicly summarize their own statistics, they only provide historical trade data via their API. Bitcoincharts.com does a decent summary but only for ~15 currencies. Big LBTC currencies like CNY are not listed there.
Questions
The questions I wanted answered from LBTC's API was:
Approach
So to get a complete picture I sharpened my Python skills and went straight into the LBTC API myself, scraping all currencies I could find and summing the numbers on a weekly basis, starting at 11 march 2013 (the start of LBTC trading).
My aggregates differ from Bitcoincharts as I believe they take a different weekly cutoff point. As of right now, their new week with timestamp "2015-06-15" has already started even though in GMT terms it's still 2015-06-14. (My next week starts at 2015-06-15 00:00 UTC which I believe is in line with GMT?) In that light, the week isn't over yet, so my data will seem incomplete.
To calculate total Fiat volume, I calculated the weighted USD price per BTC on LBTC and applied it to every currency. This is not ideal, however since USD accounts for over 50% of all LBTC trades, it's close enough. Note that the LBTC price per BTC is usually 5-10% higher than on centralized exchanges.
Data
Summary Graphs
I was going to write something interesting, but a picture says a thousand words:
The top 5 currencies (USD, GBP, EUR, AUD, RUB) account for roughly 80% of LBTC's volume. What's interesting though is that smaller currencies are growing rapidly:
Interesting currencies
Here are some interesting currencies that are trading on LBTC and not visible on Bitcoincharts.com:
Conclusion
I don't know how trustworthy LBTC is as a source. All I can say is, if it's data is valid, we're only at the beginning of global BTC acceptance -- which of course doesn't mean the growth we see now is going to continue.
I'm personally very excited to see hard numbers for Kenya, Philippines, Ukraine, Venezuela etc. etc. even though those numbers are still very small.
Thanks for your attention!
Edited for layout
Edit2 Thanks everyone for the kind remarks and generous tips, true gentlepeople all around! I will try to update the data now and then, but don't take my word for it :)
submitted by Caprica__One to Bitcoin [link] [comments]

Why so much excitement regarding tether?

So Tether, fake cryptocurrency, that is pegged to USD printed additional coins. Pegged just like my Croatian Kuna (HRK) is pegged to Euros.
So why so much excitement? Nobody really invests in Tether. Its the same crap like my Kuna. Authority will print it as much as they like in both currencys, only idiots will buy tether, like they bought bitconnect. Idiots will have to learn in both ways.
But just like I can ask you what does Tether have to do with Bitcoin, I want to ask you what does Venezuelan Bolivars have to do with USD? How does goverment of Venezuela or Croatia affect USD or any other fiat currency by printing additional money?
submitted by Domachy to Buttcoin [link] [comments]

Croatian central bank establishes that Bitcoin is legal in Croatia (and Bitcoin gets coverage in mainstream news on national TV)

tl;dr: Bitcoin got some exposure in local newspapers as Croatian national bank (CNB) gave its opinion that Bitcoin is legal, and the most notable mention was a piece on Bitcoin that got aired on 19:30 national television news on Monday.
CNB took the very liberal stand that echoes European central bank document on virtual currency schemes from October 2012, noting that Bitcoin is not illegal in Croatia. They said that it is not electronic money since it's not debt to the issuer (although it has some similarities with electronic money), and that it is not legal tender in Croatia but can be legally used. Croatian kunas (HRK) are the official means of payment in Croatia, but in some cases payment in other currencies is allowed, such as when person/company from Croatia is transacting with another entity from outside of Croatia. I suspect that Bitcoins fall under this category though no concrete guidelines are given. Bitcoin is thus defined as "virtual currency scheme" such as Linden dollars or WoW gold.
CNB commented that money is social institution, and that it's not unusual that money is evolving as influenced by the Internet, and established that Bitcoin is at the moment not regulated or directly monitored, but that regulation will probably in the future fall under the jurisdiction of central banks.
CNB piece link - the notification in Croatian on the bottom is because of EU cookies law.
TV news piece interviewed local apartments owner, Lunea apartments in Dubrovnik, that accepts Bitcon, inteviewed local business analyst and a guy identified as "Bitcoin entrepreneur", and mentioned that guy who threw hard disk with a bunch of bitcoins in trash.
submitted by domchi to Bitcoin [link] [comments]

IqOption.com Withdraw money

FAQ>>> IqOption.com withdraw money

his is an updated version of the article that has been posted on this blog a while ago. Read this article to learn more about the ways to withdraw funds from the IQ Option platform.

Please note that IQ Option does not apply transaction fees to deposit and withdrawal operations of our clients, except for wire transfers. At the moment, only clients from the European Union can use wire transfer. All withdrawals made using a bank transfer will be subject to an additional fee of 25 EUR. All other fees applied to your transactions are taken by the respective payment system.

Please note that a fully verified trading account will be required to proceed the request.

The general algorithm for fund withdrawal is identical regardless of the payment system. In order to withdraw your money, do the following:

  1. Go to iqoption

2) Sign in,

3) Click on the user picture in the upper right-hand corner of the screen,

4) Choose “Withdraw Funds” from the list of available options,

5) Pick the preferred payment system,

6) Follow the instructions from the payment system.

Payment Systems
Bank Card
Visa/Master CardIt is one of the most popular methods out there. It does, however, come with two limitations. First, the trader has to use the same card that he previously utilized to credit his account. Second, due to technical peculiarities, the amount of money withdrawn to the card cannot exceed the total deposit made during the last 90 days.

This rule can be illustrated by the following example. Imagine your account balance is equal to $350, of which only $150 have been deposited in the last 90 days. It will take two separate operations to withdraw the remaining funds. First, transfer $150 to the original credit card, then send the residual of $200 using another payment of your choice.

Visa, MasterCard and Maestro cards are all accepted. China UnionPay cards can only be used by clients from China (including Hong Kong). IQ Option can also boast the 1st (highest) Payment Card Industry Data Security Standard merchant level.

Neteller
NetellerNeteller is available worldwide but is not available in certain countries including but not limited to Afghanistan, Central African Republic, Chad, Congo (Republic), Cuba, Iran, Iraq, Kazakhstan, Kyrgyzstan, Myanmar, Turkmenistan, Uzbekistan, Yemen. Clients from these countries may want to use WebMoney or Skrill instead.

26 national currencies are supported by Neteller: AED, AUD, BGN, BRL, CAD, CHF, DKK, EUR, GBP, HUF, INR, JPY, MAD, MXN, MYR, NGN, NOK, PLN, RON, RUB, SEK, SGD, TNG, TWD, USD, ZAR. Although the USD is available as a wallet currency, it still cannot be used for withdrawal purposes.

In order to retrieve funds using Neteller traders will have to verify their account first. It can be done by submitting an ID and a bank statement issued not later than three months ago. Please note that additional documents may also be requested.

Remember that the email address, mentioned during the registration process, will be used as your Neteller account login. For the sake of convenience, users can get Net+ Prepaid Card, which can be used for direct money transfers.

Note that transactions have both minimum and maximum amounts. The latter will depend on your choice of a currency.

Skrill
SkrillSkrill does not operate in certain countries that include but are not limited to Afghanistan, Angola, Cuba, Djibouti, Eritrea, Iran, Iraq, Japan, Kyrgyzstan, Syria, Tajikistan.

Skrill wallet can be opened in one of the 40 different currencies: AED, AUD, BGN, BHD, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HRK, HUF, ILS, INR, ISK, JOD, JPY, KRW, KWD, MAD, MYR, NOK, NZD, OMR, PLN, QAR, RON, RSD, SAR, SEK, SGD, THB, TND, TRY, TWD, USD, ZAR.

The email address, mentioned during the registration process, will be used as your Skrill account login. Users have a chance to activate two-factor authentication for additional security. The bank account/card can be linked to your Skrill account. However, in this case the verification process may take some time.

Transactions in this system have a set maximum limit.

WebMoney
WebMoneyWebMoney does not provide its service in the following states and territories: American Samoa, Afghanistan, Vanuatu, Ethiopia, Guyana, Guam, Iran, Iraq, Crimea, Laos, Libya, Mali, Mauritania, Pakistan, North Korea, Northern Mariana Islands, Serbia, Somalia, Sudan, Tunisia, Trinidad and Tobago, South Sudan , Syria, Yemen, Uganda, Sri Lanka and the United States.

Eight different currencies and assets are available to WebMoney clients: WMZ (USD), WMR (RUB), WME (EUR), WMU (UAH), WMB (BYR), WMK (KZT), WMG (Gold), WMX (Bitcoin), WMV (Vietnamese Dong), WMH (BitcoinCash), WML (Litecoin).

Users can get the WebMoney Card to make the deposit and money transfer process easier.

PayPal – Not Available
PayPal

IQ Option is currently not working with PayPal. Neither deposits, nor withdrawals are accepted with this system.
submitted by Dieterich7 to FINAWIKI [link] [comments]

Many weekly P2P trading volume records on @LocalBitcoins

Combined, overall P2P trading on LocalBitcoins (measured in USD) hit a record this past week. About $6.5M/day trading there.
Individual currencies that had a record week:
Over on Paxful there were a couple currencies that had a record week:
And BitSqure (which is rebranding to http://Bisq.co , as well as close to fixing their primary issue related to fees) had two currencies with a record week:
submitted by cointastical to Bitcoin [link] [comments]

[H] NARUTO, Project Cars, Evoland 2, Shadowrun + HB games & Cheap Games [W] Cards/Bitcoin/CSGO Keys

IGSRep
My main thread is this thread please comment there and add me (My Profile) and when we talk in chat tell me that you're from indiegameswap subreddit so I know who you are.

AAA Games

Game Price: Cards Price: $ Notes
The Witcher 2: Assassins of Kings Enhanced Edition 15 $0.33 GOG Key (not Steam)
Resident Evil 5 - $3.00 HRK
Middle Earth: Shadow of Mordor GOTY - $4.00 HRK

HUMBLE BUNDLE Links

Game Price: Cards Price: $ Notes
Else Heart.Break() 15 $0.33 Humble Bundle's: Best of 2016
Evoland 2 15 $0.33 Humble Bundle's: Best of 2016
Front Mission Evolved 15 $0.33 -
Overlord 15 $0.33 -
Operation Flashpoint: Red River 15 $0.33 -
Ace Combat Assault Horizon Enhanced Edition 20 $0.50 Humble BANDAI NAMCO Bundle 2
Cibele 20 $0.50 Humble Narrative Bundle
ENSLAVED™: Odyssey to the West™ 20 $0.50 will probably restock
Hospital Tycoon 20 $0.50 -
PAC-MAN 256 20 $0.50 Humble BANDAI NAMCO Bundle 2
Dragon Age: Origins 40 $1.00 -
Shadowrun: Hong Kong - Extended Edition 40 $1.00 Humble Bundle's: Best of 2016
The Last Remnant 40 $1.00 Humble Square Enix Bundle 3
NARUTO SHIPPUDEN: Ultimate Ninja STORM 3 - $3.00 Humble BANDAI NAMCO Bundle 2
Project CARS - $3.00 Humble BANDAI NAMCO Bundle 2
Warhammer 40,000: Eternal Crusade - $3.00 Humble BANDAI NAMCO Bundle 2
Axis Game Factory: AGFPRO v3.0 + DLC - $4.00 Humble Game Making Bundle
Game Guru + 6 DLC - $4.00 Humble Game Making Bundle

Keys

Game Price: Cards Price: $ Notes
Endorlight 3 0.05 have 10 copies from DIG
Zombie Zoeds 3 0.05 have 10 copies from DIG
X-COM: UFO Defense 5 0.13 Must redeemed before 14 feb
Defy Gravity Extended 6 0.15 IndieGala
Secret Of Magia 6 0.15 IndieGala
BoneBone: Rise of the Deathlord 6 0.15 IndieGala
Cube Master 6 0.15 IndieGala
Hide and Secret Treasure of the Ages 6 0.15 IndieGala
SkyTime 6 0.15 IndieGala
Space Distant 6 0.15 IndieGala
Tapocalypse 6 0.15 IndieGala
The Howler 6 0.15 IndieGala
ZombieCarz 6 0.15 IndieGala
Alchemist 7 0.18 IndieGala
Color Chemistry 7 0.18 IndieGala
CrazyCars3D 7 0.18 IndieGala
Dexodonex 7 0.18 IndieGala
Operation KREEP 7 0.18 IndieGala
Santa's Big Adventures 7 0.18 IndieGala
Smash Pixel Racing 7 0.18 IndieGala
Super LOH 7 0.18 IndieGala
TILE 7 0.18 IndieGala
A Land Fit For Heroes 8 0.22 IndieGala
Artificial Defense 8 0.22 IndieGala
Child Phobia: Nightcoming Fears 8 0.22 IndieGala
Fighters Unleashed 8 0.22 IndieGala
Forgotten, Not Lost - A Kinetic Novel 8 0.22 IndieGala
One More Dungeon 8 0.22 IndieGala
The Agony 8 0.22 IndieGala
Tyrfing Cycle 8 0.22 IndieGala
Vanquish: The Adventures of Lady Exton 8 0.22 IndieGala
Zenodyne R 8 0.22 IndieGala
Zenohell 8 0.22 IndieGala
Blacksea Odyssey 10 0.25 IndieGala
Corrosion: Cold Winter Waiting 10 0.25 IndieGala
City Quest 10 0.25 IndieGala
NAL Is Alive 10 0.25 IndieGala
Secrets of Deep Earth Shrine 10 0.25 IndieGala
Trapped Dead 10 0.25 HRK
Agent Awesome 13 0.33 HRK
A-men 13 0.33 HRK
Curse 13 0.33 HRK
Gunnhiem 13 0.33 HRK
Grim Legends 3: The Dark City 13 0.33 HRK
Rescue Team 5 13 0.33 HRK
Shut Up and Dig 13 0.33 HRK
TurnOn 16 0.40 IndieGala
Xenus 2. White gold. 16 0.40 IndieGala
Cook, Serve, Delicious! 27 0.66 BundleStars
Giana Sisters: Dream Runners 30 0.75 BundleStars
Adam's Venture Chronicles 30 0.75 IndieGala
The Incredible Adventures of Van Helsing 30 0.75 IndieGala
Giana Sisters: Twisted Bundle 35 0.90 BundleStars
Men of War: Assault Squad GOTY 35 0.90 HRK
Lichdom: Battlemage 40 1.00 BundleStars
submitted by ahmadmanga to indiegameswap [link] [comments]

The 10 Currencies With Record Trading Volume Last Week on @LocalBitcoins

There were ten currencies showing a record week last week (ending Saturday, Jun 10th) for P2P trading on LocalBitcoins:
Over on Paxful there were several currencies with a record week there as well:
And BitSquare (which is soon to rebrand to Bisq - http://Bisq.co) Is seeing greater volumes as well. The following currencies had a record week there:
submitted by cointastical to Bitcoin [link] [comments]

[H] NARUTO, Project Cars, Warhammer ($2.5 each) Project Cars On-Demand ($5) Resident Evil 5 ($3) Enslaved ($0.5) The Witcher 2 ($0.33) [W] Cards/BTC/CSGO Keys

IGSRep
My main thread is this thread please comment there and add me (My Profile) and when we talk in chat tell me that you're from indiegameswap subreddit so I know who you are.

AAA Games

Game Price: Cards Price: $ Notes
The Witcher 2: Assassins of Kings Enhanced Edition 15 $0.33 GOG Key (not Steam)
Resident Evil 5 - $3.00 HRK
Middle Earth: Shadow of Mordor GOTY - $4.00 HRK

HUMBLE BUNDLE Links

Game Price: Cards Price: $ Notes
Else Heart.Break() 15 $0.33 Humble Bundle's: Best of 2016
Evoland 2 15 $0.33 Humble Bundle's: Best of 2016
Front Mission Evolved 15 $0.33 -
Overlord 15 $0.33 -
Operation Flashpoint: Red River 15 $0.33 -
Ace Combat Assault Horizon Enhanced Edition 20 $0.50 might restock
Cibele 20 $0.50 Humble Narrative Bundle
ENSLAVED™: Odyssey to the West™ 20 $0.50 Humble BANDAI NAMCO Bundle 2
Hospital Tycoon 20 $0.50 -
PAC-MAN 256 20 $0.50 Humble BANDAI NAMCO Bundle 2
Dragon Age: Origins 40 $1.00 -
Shadowrun: Hong Kong - Extended Edition 40 $1.00 Humble Bundle's: Best of 2016
The Last Remnant 40 $1.00 Humble Square Enix Bundle 3
NARUTO SHIPPUDEN: Ultimate Ninja STORM 3 - $2.50 Humble BANDAI NAMCO Bundle 2
Project CARS - $3.00 Humble BANDAI NAMCO Bundle 2
Warhammer 40,000: Eternal Crusade - $2.50 Humble BANDAI NAMCO Bundle 2
Axis Game Factory: AGFPRO v3.0 + DLC - $4.00 Humble Game Making Bundle
Game Guru + 6 DLC - $4.00 Humble Game Making Bundle
Project CARS On-Demand Pack (12 DLC) - $5.00 Humble BANDAI NAMCO Bundle 2
NARUTO key is region locked, is only available in the following countries: BD, BE, BF, BG, BA, BH, BI, BJ, BT, JO, BY, RU, RW, RS, RE, TM, LR, RO, GW, GR, GQ, GE, GB, GA, GN, GM, GH, OM, TN, BW, HR, HU, HK, PS, PT, PK, PH, PL, ZM, EE, EG, ZA, AL, AO, ET, ZW, ES, ER, ME, MD, MG, MA, MC, UZ, ML, MO, MK, MU, MT, MW, MV, NA, UG, MY, AT, FR, FI, NL, NO, SO, NE, NG, NZ, NP, MR, CI, CH, CM, CG, CF, CD, CZ, CY, CV, SZ, SY, KG, KE, KH, KM, ST, SK, KR, SI, SH, KW, SN, SM, SL, SC, KZ, SA, SG, SE, SD, DJ, DK, DE, YE, YT, LB, TW, TR, LK, LI, LV, LT, LU, TJ, LS, TH, TG, TD, LY, VA, AE, AD, AF, IQ, IS, IR, AM, IT, VN, AU, IL, IN, TZ, AZ, IE, ID, UA, QA, MZ.

Keys

Game Price: Cards Price: $ Notes
Endorlight 3 0.05 have 10 copies from DIG
Zombie Zoeds 3 0.05 have 10 copies from DIG
X-COM: UFO Defense 5 13 Must redeemed before 14 feb
Defy Gravity Extended 6 0.15 IndieGala
Secret Of Magia 6 0.15 IndieGala
BoneBone: Rise of the Deathlord 6 0.15 IndieGala
Cube Master 6 0.15 IndieGala
Hide and Secret Treasure of the Ages 6 0.15 IndieGala
SkyTime 6 0.15 IndieGala
Space Distant 6 0.15 IndieGala
Tapocalypse 6 0.15 IndieGala
The Howler 6 0.15 IndieGala
ZombieCarz 6 0.15 IndieGala
Alchemist 7 0.18 IndieGala
Color Chemistry 7 0.18 IndieGala
CrazyCars3D 7 0.18 IndieGala
Dexodonex 7 0.18 IndieGala
Operation KREEP 7 0.18 IndieGala
Santa's Big Adventures 7 0.18 IndieGala
Smash Pixel Racing 7 0.18 IndieGala
Super LOH 7 0.18 IndieGala
TILE 7 0.18 IndieGala
A Land Fit For Heroes 8 0.22 IndieGala
Artificial Defense 8 0.22 IndieGala
Child Phobia: Nightcoming Fears 8 0.22 IndieGala
Fighters Unleashed 8 0.22 IndieGala
One More Dungeon 8 0.22 IndieGala
The Agony 8 0.22 IndieGala
Tyrfing Cycle 8 0.22 IndieGala
Vanquish: The Adventures of Lady Exton 8 0.22 IndieGala
Zenodyne R 8 0.22 IndieGala
Zenohell 8 0.22 IndieGala
Blacksea Odyssey 10 0.25 IndieGala
Corrosion: Cold Winter Waiting 10 0.25 IndieGala
City Quest 10 0.25 IndieGala
NAL Is Alive 10 0.25 IndieGala
Secrets of Deep Earth Shrine 10 0.25 IndieGala
Trapped Dead 10 0.25 HRK
Agent Awesome 13 0.33 HRK
A-men 13 0.33 HRK
Curse 13 0.33 HRK
Gunnhiem 13 0.33 HRK
Grim Legends 3: The Dark City 13 0.33 HRK
Rescue Team 5 13 0.33 HRK
Shut Up and Dig 13 0.33 HRK
TurnOn 16 0.40 IndieGala
Xenus 2. White gold. 16 0.40 IndieGala
Cook, Serve, Delicious! 27 0.66 BundleStars
Giana Sisters: Dream Runners 30 0.75 BundleStars
Adam's Venture Chronicles 30 0.75 IndieGala
The Incredible Adventures of Van Helsing 30 0.75 IndieGala
Giana Sisters: Twisted Bundle 35 0.90 BundleStars
Men of War: Assault Squad GOTY 35 0.90 HRK
Lichdom: Battlemage 40 1.00 BundleStars
submitted by ahmadmanga to indiegameswap [link] [comments]

WalletBit Expands its Bank Deposit Option to 42 Currencies

WalletBit now offers 42 currency options, enabling bank deposits in over 50 countries..This means the advantages of Bitcoin can be enjoyed by more than half the world's population. Many countries added in this latest expansion have never been able to sell their Bitcoins for local currency until now.
Conversion rates are locked in at the time of purchase or Bitcoin deposit. This means that you never have to worry about the Bitcoin exchange rate or where you are going to sell your Bitcoins. The process is entirely automated and you will receive weekly bank deposits in your local selected currency.
The currencies now supported by WalletBit are:
Australian Dollars (AUD), Bahrain Dinar (BHD), Bulgarian lev (BGN), Canadian Dollars (CAD), Danish Krone (DKK), Pounds Sterling (GBP), Euro (EUR), United Arab Emirate (AED), Hong Kong dollars (HKD), Indian rupees (INR), Icelandic krona (ISK), Israeli Shekel (ILS), Japanese Yen (JPY), Jordanian dinars (JOD), Kenyan Shilling (KES), Croatian kuna (HRK), Kuwait Amazing dinars (KWD), Latvian lats (LVL), Lithuanian litas (LTL), Morocco Dirhams (MAD), Mexican peso (MXN), New Zealand U.S. dollars (NZD), Norwegian Krone (NOK), Pakistani rupees (PKR), Philippinske pesos (PHP), Polish zloty (PLN), Romanian leu (new) (RON), Russian ruble (RUB), Saudi rials (SAR), Swiss francs (CHF), Singapore dollars (SGD), Sri Lankan rupees (LKR), Swedish Krona (SEK), South African Rand (ZAR), South Korean won (KRW), Taiwan Dollars (TWD), Thai baht (THB), Czech koruna (CZK), Tunisian dinars (TND), Turkish lira (new) (TRY), Hungarian forints (HUF), U.S. dollars (USD)
WalletBit is the most affordable way to accept Bitcoins worldwide. All of our currency conversion options are just 1.86%. When you add our standard Bitcoin processing rate of 0.89% you pay a total of 2.75%. All accounts include the ability to use our business tools. This includes but is not limited to Mobile Checkout, shopping cart plug-ins and our point of sale system. For more information please see www.WalletBit.com.
submitted by WalletBit to Bitcoin [link] [comments]

MonetaGo bitcoin exchange is live with 28 currencies!

Welcome to MonetaGo! The future of money. Global bitcoin exchange live in 40 countries with 28 currencies in 25 languages.
Currency pairs available: BTC/AED BTC/AUD BTC/BGN BTC/CAD BTC/CHF BTC/CNY BTC/CZK BTC/DKK BTC/EUR BTC/GBP BTC/HKD BTC/HRK BTC/HUF BTC/ILS BTC/INR BTC/JPY BTC/MUR BTC/MXN BTC/NZD BTC/RON BTC/RUB BTC/SEK BTC/SGD BTC/THB BTC/TRY BTC/USD BTC/ZAR
Deposit and withdrawal methods: • EUR - SEPA transfer to a dedicated client EU bank account. • BGN, CAD, CHF, CZK, DKK, GBP, HKD, HRK, HUF, JPY, NZD, RON, RUB, SEK, and TRY - International Wire transfers to our EU bank. • AUD - EFT to a dedicated client AU bank account. • SGD - FAST or GIRO to a dedicated client SG bank account. • INR - IMPS, NEFT or RTGS to a dedicated client IN bank account. • ZAR - EFT to a dedicated client ZA bank account. • CAD, MXN, HKD, USD via local interbank transfer coming soon.
MonetaGo Advantages • Get paid to trade. Market makers earn 0.1% rebate on trades. • Trade multiple currencies. • Send multiple currencies. • With Fixed-Value Bitcoin, you can fix the value of bitcoin to any of our 27 fiat currencies to protect its value against volatility. • State-of-the-art security. • Rigorous compliance program.
www.monetago.com [email protected] @monetago
submitted by tad_at_monetago to BitcoinMarkets [link] [comments]

SPECTROCOIN.COM Bitcoin Exchange, Wallet, Debit Card and Merchant solution

SpectroCoin.com is an all in one solution for Bitcoin offering Bitcoin wallet, Bitcoin exchange, Bitcoin debit card and Bitcoin payment processing services. We serve clients in more than 150 countries and we aim to offer the highest speed at the lowest price.
SpectroCoin offers:
BITCOIN WALLET
Store, send and receive bitcoins with online or mobile wallets (Android, iOS, Windows). The API integration is also available.
SpectroCoin wallet supports over 20 currencies including BTC, DASH, USD, GBP, EUR, JPY, PLN, CHF, CZK, XAU, CNY, GEL, RUB, HRK, BYN, ZAR, TRY, SGD, SEK, NOK, HKD, DKK, CAD, AUD.
We offer full support of DASH wallet as well.
Wallet API – easy RESTful API to send, receive bitcoins and DASH, exchange between currencies, initiate mass payments and more.
BITCOIN EXCHANGE
Bitcoin exchange allows to buy and sell bitcoins versus more than 40 different currencies with over 20 payment options including:
Mobile top-ups – Top up your mobile phone with bitcoins in over 140 countries.
Amazon vouchers – buy Amazon.com, Amazon.co.uk, Amazon.de, Amazon.fr, Amazon.es and Amazon.it vouchers with bitcoins.
Altcoin deposits – Deposits with over 40 types of Altcoins:
Augur, Ether, Novacoin, StartCoin, Clams, Litecoin, Reddcoin, Voxels, Dogecoin, Emercoin, Namecoin, SingularDTV, BitShares, Lisk, Peercoin, Vertcoin, DigixDAO, Monero, StorjcoinX, BlackCoin, LBRY Credits, PotCoin, VeriCoin, DigiByte, Monacoin, Siacoin, BitCrystals, Factoids, Nxt, Tether, Dash, Mastercoin, ShadowCash, Bitcoin, Ether Classic, NuBits, Steem, Counterparty, MaidSafe, Ripple, Zcash.
BITCOIN DEBIT CARD
Bitcoin debit card allows spending bitcoin in any online or physical locations where VISA or MasterCard is accepted.
BITCOIN PAYMENT PROCESSING
Bitcoin payment processing enables merchants to easily accept bitcoin as a payment in their businesses.
API – We offer Merchant API to ease and simplify Bitcoin integration into your business. With Bitcoin Merchant API, we entrust you with your wallet management and give examples how Bitcoin integration works.
Bitcoin Payment Plugins – We offer Bitcoin payment gateway plugins for:
Payment Buttons – We have created payment buttons that allow you to accept donations from other people and your received bitcoins can be automatically converted to any currency you want, such as, USD, EUR, CHF, PLN and more.
Merchant libraries – We have made open source Merchant libraries for PHP and JAVA with all codes and documentations included.
Affiliate program - Recommend SpectroCoin and earn 10% from all exchange fees paid by your referrals. If the affiliate program is not enough for you, you can join Partnership program and earn more commission by bringing merchants and business clients to SpectroCoin.
CONTACT US
FOR MERCHANTS
submitted by SpectroCoin-Support to bitcoin_uncensored [link] [comments]

[REQUEST] Danganronpa 2: Goodbye Despair

Salam (peace) to you all~

Danganronpa 2: Goodbye Despair

About The Game:
It's hard to describe this game without spoilers, actually it's hard to googling the name of it without spoiling the first game on you.
You and your classmates have been brought one island by your super-cute teacher for a “lovey-dovey, heart-throbbing school trip.” Everyone seems to be having fun in the sun...until Monokuma (the villain of the first game) returns to restart his murderous game! Now murder is the only way of escape you’re trapped on this island paradise.
The characters start to die and you have to find the clues and reveal the mystery of each killer.
Why I want this game?
I played the first game and I really want to know what happens next, the devs left many questions unanswered in Danganronpa 1, I like visual novels and the writing of this game is great. also (if it was like the first game) filled with unexpected developments!!!
Why I can't buy it myself?
well, to start off the only payment method I have is Bitcoin (humble bundle for example), I don't have much money and I even lost some, stupidity trying to gain more. $20 game is too much for me but I want this game as soon as possible and will love the preorder bonus!!
SteamID
submitted by ahmadmanga to GiftofGames [link] [comments]

[H] Van Helsing/Grotesque Tactics/Agent Awesome and More~ [W] Bitcoins/ Cards /Offers

All these games are bought from HRK so codes are guaranteed to work, Here's my IGSRep page.
Tier 0
Tier 1: $0.35 in Bitcoin or 6 cards (3 games for $1/ 15 cards)**
Tier 2: $0.50 in Bitcoin or 8 cards
Tier 2: $1 in Bitcoin or 15 cards
submitted by ahmadmanga to indiegameswap [link] [comments]

Inspiring boy could use a Bitcoin for Christmas

My baby brother Tre-sen is only 15 years old and has had at least 85 broken bones (toes and ribs not included). Right now he is healing his broken pelvis. He suffers from one of the more severe types of Osteogenesis Imperfecta. It is the bone disease Samuel L. Jackson has in Unbreakable. This condition would be more common, but the babies are usually crushed in the birth canal. He was deaf when he was small (broken ear drums) and has other complications due to the condition (some dwarfism, dental issues, temporary paralysis, etc). Most often he breaks his femurs (the most painful break possible). For this reason he has had rods shoved up his legs, removed, then re-installed, among other surgeries. Most recently he had a ruptured appendix removed. This boy has been through so much in his short lifetime, but he goes through every day with more bravery, enthusiasm, and readiness to laugh, than anyone I know.
His mobility has often been limited by body casts, and so he has grown to love video games. He also loves people, but has been met with awful cruelty, as children from various schools felt the need to test how real his bone disease was, pushing him down and breaking bones in the process. Even so he retains incredible confidence with his peers, and is unafraid to ask for friendship. Doctors are baffled at how well he does when compared to others with even less severe types than his. By his age they are usually totally confined to their chairs, and have deformities from breaking so many times. He receives an experimental drug through an IV every three months that helps, but also brings other complications. When not in a wheelchair, Tre-sen walks with a limp and a cane, but he does walk. This is nothing short of a miracle, and has everything to do with his hope, and faith, and love. He is so positive, often telling jokes on the gurney between winces.
So my gamer baby brother has been following Bitcoin with none of his own, since they were worth $20. He is excited about how they will shape the future and enable liberty. He comes from an impoverished family, and in a cold wintry state, often has gone without utilities, and poor quality of food. Last year there were no gifts for him under the tree. The year before was only slightly less meager. His family has been struggling with other tragedies on top of everything.
Dear Internet, this year, please send my brother Bitcoins for Christmas. When I asked him what he would do if he had money he said he would help his family. After that he would produce music. He is an extremely talented lyricist; my bias is irrelevant. The words he writes are wise far beyond his years. He is my little Yoda brother. :) Show him some love. From what I understand about Bitcoin, a paper wallet is the best method, so here is the address:
12Jz8jxj73MuhiYxHrkZepmFzP2QYk1wy3
TL;DR: Brave, smart young boy deserves the feeling of stability and support, and a good chance to share his awesome talents with the world. His life has been difficult enough. Will you help :)
Here's a recent photo he sent me.
submitted by honeybadgersaurus to Assistance [link] [comments]

Austausch Paysafecard, Bitcoin, Litecoin, Ethereum zu PayPal, Skrill, Perfect Money, Webmoney 24/7. How to exchange Bitcoin (BTC) to PayPal, Skrill, Perfect Money, Webmoney in one minute. How to exchange Paysafecard, Bitcoin, Litecoin, ETH to ... Instant exchange Paysafecard, Bitcoin, Litecoin, Ethereum to PayPal, Skrill, WM, Perfect Money. TENER UN BITCOIN, ÚLTIMA OPORTUNIDAD EL 2018 !!! - YouTube

Die Seite bietet dem Wechselkurs 1 Bitcoin (BTC) um Kroatische Kuna (HRK), der verkauf und der conversion-rate. Außerdem fügten wir die liste der beliebtesten umbauten für die visualisierung und die history-tabelle, die wechselkurs-Diagramm für 1 Bitcoin (BTC) zu Kroatische Kuna (HRK) von Montag, 17/08/2020 bis Montag, 10/08/2020. Bitcoin mjenjacnica is a simple service through which you can easily buy, sell or exchange bitcoin and other cryptocurrencies. Get also a Bitcoin to Kuna currency converter widget or currency conversion guide sheet or chart for your website. Currency Converter; Transfer Money ; Historical Rates; About Us; Home » Bitcoin » to Croatian Kuna . Today; Graph; Historical; Bitcoin to Kuna - BTC/HRK Invert. B = kn. 1 Bitcoin = 67800 Croatian Kuna updated 12:30:00(EDT) 14/09/2020. Currency Conversion Tables. Bitcoin: Kuna: B ... Cijene kriptovaluta s pouzdanih burzi (Coinbase Pro, Kraken i Bitstamp) HRK [Croatian Kuna] 0.01 Bitcoin = 683.982000 Croatian Kuna: 0.1 Bitcoin = 6839.820 Croatian Kuna: 1 Bitcoin = 68398.20 Croatian Kuna: 2 Bitcoin = 136796 Croatian Kuna: 3 Bitcoin = 205195 Croatian Kuna: 5 Bitcoin = 341991 Croatian Kuna: 10 Bitcoin = 683982 Croatian Kuna: 20 Bitcoin = 1367964 Croatian Kuna: 50 Bitcoin = 3419910 Croatian Kuna : 100 Bitcoin = 6839820 Croatian Kuna: 1000 Bitcoin ...

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Austausch Paysafecard, Bitcoin, Litecoin, Ethereum zu PayPal, Skrill, Perfect Money, Webmoney 24/7.

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