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The high difficulty levels of the Bitcoin network are about to drop amid longer block wait times.

Hitting an all-time high on July 11, 2023, reaching a staggering 53.91 trillion, Bitcoin’s difficulty is about to decline to an estimated range of 3.9% to 4.04% on July 26, 2023.

The high level of difficulty of Bitcoin on the verge of halving

The next Bitcoin difficulty recalibration is scheduled for July 26. After a notable increase of 6.45% on July 11, it is projected that there could be a downward adjustment ranging between 3.9% and 4.04%. The generation of Bitcoin blocks occurs approximately every ten minutes and every 2016 blocks, a drop in mining difficulty occurs if the discovery process of these blocks extends for more than two weeks. On the other hand, the difficulty level increases if the mining of the 2016 blocks is completed in less than two weeks.

The lockdown breaks on July 21 and 22 were longer than the usual ten minutes, lasting between 11 and more than 12 minutes. While the hashrate peaked on July 8, it has been lower with an average of 371.1 exhash per second (EH/s) in the last few blocks of 2016. Over the last three days, Foundry USA controlled 30.08% of the global hashrate with 111.75 EH/s, followed by Antpool with 86.92 EH/s or 23.39% of the total hashrate. F2pool, Binance Pool and Viabtc follow the two mining pool leaders.

Currently, as of July 24, block times have shown signs of improvement, falling marginally below the ten minute average, and sometimes leveling off slightly above ten minutes and 24 seconds. Monday at 8:00 a.m. At m. Eastern Standard Time (EST), the order book is filled with 265,000 to 280,000 transactions in a holding pattern, waiting for their turn to be confirmed.

Miners are still struggling with the problem of clearing the backlog that has been bogging down the blockchain for months. To untangle the heap of unconfirmed transactions, 95 blocks need to be removed. An imminent difficulty reduction in a few days should pave the way for mining participants in their quest to discover these blocks.

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UK financial regulator announces launch of permanent Digital Sandbox in August

According to the FCA, the sandbox will be open to companies, startups and data providers, including those involved in banking, investing, lending and payments.

The UK Financial Conduct Authority (FCA) has announced the launch of its Digital Sandbox, which aims to support technology companies in the early stages of product development.

In a July 20 announcement, the FCA said the Digital Sandbox will be permanently available starting August 1. The financial watchdog has run two pilot programs of the initiative, which will be open to companies, startups and data providers, including those involved in banking, investing, lending and payments.

A sandbox allows projects to operate in a test environment to test their products and services largely without unwanted side effects that affect the real world. According to the FCA, the Digital Sandbox aims to help innovative companies in their efforts to launch new products and services, in addition to supporting economic growth and international competitiveness.

The UK Department of Treasury and Finance proposed a “financial market infrastructure sandbox” in April 2022 alongside its plans for a regulatory framework for payment stablecoins. HM Treasury also opened an investigation into a digital securities sandbox that could include crypto products in July.

On July 3, the European Commission announced that 20 projects had been selected for an EU regulatory sandbox. Those who qualified for the initiative included companies in financial and capital markets, telecommunications and information technology, and global trade.

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Aave Launches New GHO Algorithmic Stablecoin on the Ethereum (ETH) Mainnet

Lending and lending platform Aave (AAVE) has launched a new decentralized stablecoin on the Ethereum (ETH) mainnet.

The dollar-pegged stablecoin called GHO (GHO) is governed by the decentralized autonomous organization (DAO) Aave.

Nader Dabit, director of developer relations at Aave, says that the GHO is an “overcollateralized” stablecoin.

“Anyone can mint GHO using the assets they provide on the Aave Protocol V3 Ethereum marketplace as collateral, ensuring that the GHO is supercollateralized by a multitude of assets.

With GHO, the underlying mechanics and policies are fixed and cannot be arbitrarily changed by a centralized entity or individual. All transactions are done via self-executing smart contracts, and all information related to GHO transactions is published and auditable directly from the blockchain or many user interfaces.”

Aave says in the GHO launch announcement that the stablecoin is transparent and committed to the protocol community.

“Interest repaid in the GHO is redirected to the Aave DAO treasury. This supports the sustainability of the protocol and the continued development of new features.”

More than 2.7 million GHO tokens have been minted on Ethereum since the stablecoin’s official launch on Saturday, according to the project’s website.

The GHO fell from its peg to the dollar to a low of around $0.978 at one point on Sunday. It is trading at $0.982 at the time of this writing.

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How to earn passive income with peer-to-peer loans

P2P lending is a way for people to lend money directly to others without involving traditional financial institutions like banks.

What are peer-to-peer (P2P) loans?

Peer-to-peer (P2P) lending, also known as marketplace lending, is a type of lending that uses online platforms to directly link lenders and borrowers, eliminating the use of conventional financial intermediaries such as banks.

P2P lending platforms serve as intermediaries, enabling loan application, credit assessment and lending service processes. They leverage technology to improve the user experience and match lenders and borrowers. Loans can be used for a variety of things including debt consolidation, small business loans, school loans and personal loans.

P2P lending platforms work within the legal restrictions imposed by the country in which they are located. Platforms must comply with all applicable laws, especially those related to the protection of borrowers and investors, which differ depending on country regulations.
Examples of P2P lending platforms

LendingClub is one of the largest P2P lending platforms in the United States. It offers personal loans, business loans and car refinancing options. Zopa is another prominent P2P lending platform in the UK. It offers personal loans and investments, connecting borrowers and investors directly.

Aave is a decentralized P2P lending platform on the Ethereum blockchain that allows users to lend and borrow cryptocurrency at interest rates based on supply and demand dynamics. It provides a wide range of features including cash withdrawal incentives, instant loans and secured loans.

regular interest income

P2P lenders can earn recurring interest on their loans. Borrowers’ interest payments generate cash over the life of the loan. This income can be a source of passive cash flow, especially if investors have a diversified loan portfolio.

However, the amount of interest earned depends on the loan amount, the interest rate and the borrower’s payment behavior.
passive portfolio management

P2P lending systems manage loan servicing, payment collection, and lender distribution as lenders select and fund loans. Passive portfolio management allows them to earn without actively managing loans.

The platform ensures that lenders receive their fair share of interest payments and borrowers’ payments are completed.
automated investment

P2P lending platforms offer automated features and tools to simplify investing. Automatic investment options automatically allocate funds to new loans based on criteria predefined by lenders, eliminating manual selection and investment decisions.
reinvest refunds

As borrowers pay off their loans, lenders can expand their total loan portfolio and increase interest income by continually reinvesting payments. Reinvesting allows lenders to increase their earnings and potentially increase their passive income over time.
Risks and rewards of investing in P2P lending

Investing in P2P lending comes with risks and rewards, as explained in the following sections:
Risks associated with P2P lending

   Default risk: P2P lending is risky due to borrower default. Borrowers can default, losing principal and interest income.
   Credit risk: P2P lenders lend to individuals and small businesses with varying credit quality. Therefore, borrowers with high risk exposure may default.
   Lack of collateral: Lenders may have few assets to recover in the event of default, increasing risk.
   Platform risk: Lenders may face trouble getting their money back if a P2P platform encounters operational issues, financial instability, or fails completely.
   Economic and market risk: Financial instability and economic downturns can increase default rates and decrease the value of loans in the secondary market.
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Flipster will give a big bonus of 1,500,000 USDT

As part of the launch of the Flipster (formerly AQX) name, the company today announced an additional $1,500,000 in additional rewards to encourage new users to join and trade on its exchange. Until the rewards are fully distributed, the futures exchange will run at least one campaign per week to encourage new users to sign up and trade derivatives on the Flipster platform. With the old name, the exchange has already released more than 400,000 USDT in bonuses in previous campaigns.

The first promotion for the series started on July 17, 2023 (for seven days). Massive bonuses of 110,000 USDT have been allocated. 10,000 USDT to reward new users for completing identity verification with a 10 USDT bonus. The remaining 100,000 USDT bonus is to incentivize and reward high volume traders who give the platform a try. Top performers by trading volume will be rewarded with a bonus of 10,000 USDT at the end of the weekly campaign.

Flipster reinvented futures trading with a mobile-first approach to appeal to casual cryptocurrency traders with limited experience trading derivatives (or as they say, Flipping).

The method is to specialize in derivatives trading, stripping away the app experience to make it quicker to learn and easier to use. Novice traders can open, close and monitor positions from any location. Potentially meaning that some users may earn more money on the bus to work than they do on their workdays. In addition to the ease of use, the portable experience makes trading fun and feels less like a technical task.

The shift to a mobile-first approach came after initially having a web experience similar to other futures exchanges. The traditional user interface for futures trading has a steep learning curve and is considerably more technical, which is in stark contrast to the user interface most contemporary application users have become familiar with. The data concluded that new derivatives users were not attracted to this experience as it was created for experienced traders. The Flipster team has discovered few alternative user interfaces for futures trading and none that have been successfully built to onboard new users to cryptocurrency futures trading at scale.

About Flipster

Founded in 2021, Flipster (formerly AQX) is the industry’s easy-to-use crypto derivatives trading platform. It offers users a complete platform that trades over 120 tokens with up to 50x leverage. Start at flipster.xyz to go online or download the app and Play Store. For media inquiries, including staff interviews, please contact pr@flipster.xyz