Best ICOs to invest


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Alphan Maina has 27 articles published.

Alphan Maina
Alphan is a professional online content developer with more than 5 years’ experience. He has mastered the art of writing stellar content that conveys the intended message to the audience in the best way possible. Apart from writing, he is also cryptocurrency enthusiast and has multiple digital assets- Bitcoin, Ethereum, Litecoin and much more. When he is not writing, he loves spending time with his family or outdoors hiking, swimming or camping.

Blockchain & Bitcoin Conference – Malta

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Malta Blockchain Conference 2018

BlockSmile Expo has organized a blockchain conference that will be held in Malta on 23th, October 2018.

The conference will bring together more than 300 exhibitors and sponsors, world-class speakers who are conversant with blockchain technology and the global cryptocurrency market. The organizer, Smile Expo, is an internationally accredited company that is well known for organizing similar events in more than 23 countries successfully. 

This will be the second blockchain conference in Malta this year and will feature crypto experts from ten countries. The key topics that will be discussed during the event include;

  1. How to avoid cyber-attacks on your blockchain network/solution
  2. Guide on how to successfully tokenize assets in your business
  3. How to hold an Initial Coin Offering (ICO) without contravening the stipulated laws
  4. Regulation of blockchain technology across the globe and impact of the technology on businesses

The primary objective of Malta Blockchain Conference is to explore how blockchain technology can be applied in the non-financial sectors relevant in Malta such as real property, aviation, sailing, travel, logistics, healthcare and education. No fiat currency, only cryptocurrencies and actual use of digital currencies and blockchain instead of theory will be used to discuss the topics.

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The official language for this conference is English. Don’t be left behind, buy your ticket for this event today. 

Blockchain Conference – Moscow

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Blockchain conference Moscow will be held on November 20, 2018 in Intercontinental, Tverskaya St, 22

The event will bring together hundreds if not thousands of blockchain and cryptocurrency experts from all parts of the globe.


The event will give the participants a chance to interact with industry leaders one-on-one. One of the main objectives of the conference is to shed light about the existing and new blockchain projects and cryptocurrency assets.

Two of the primary agendas of the campaign are:

  • Development and Marketing: This will cover all the technical aspects related to blockchain technology such as smart contracts. The speakers will also offer information and guides on how to successfully market blockchain projects and cryptocurrencies via media, social media, and search engines.
  • Fintech and Regulation: The speakers will discuss blockchain in both GovTech and Fintech. Initial Coin Offerings will be discussed from the organizer’s as well as investors’ perspective. The various regulations that govern trading of cryptocurrency will also be discussed.

This conference is ideal for lawyers, developers, investors, startup founders, marketers, media representatives, entrepreneurs, financial industry experts, blockchain enthusiasts, new and existing cryptocurrency investors.

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The discussions will greatly help you to get a better understanding of the industry and make informed decisions. Book your slot by purchasing a ticket to this event today.

Blockchain & Bitcoin Conference Switzerland

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Blockchain and Bitcoin Conference

Smile-Expo has organized a second blockchain conference that will be held in Geneva at Grand Hotel Kempinski on October 9th, 2018.


The conference will bring together financial experts, cryptocurrency and blockchain visionaries, blockchain experts, crypto market gurus, entrepreneurs, software developers, and representatives of renowned payment systems providers from different parts of the globe.

More importantly, lawyers will be in attendance to discuss the legal aspects pertaining blockchain technology and their perspective about the industry.


Some of the main topics that will be discussed in the conference include:

  1. Cryptocurrency market analysis
  2. Blockchain and bitcoin prospects
  3. Business solutions within FinTech achievements
  4. Smart technology technical and advanced technology aspects
  5. Latest financial regulatory changes
  6. Bitcoin exchange and mining and much more

The conference will offer excellent opportunity for industry leaders to interact and share ideas on what should be done to secure sustainability and profitability of the industry. Investors who already own digital assets as well as those who intend to invest in this industry will get a deeper understanding of the various cryptos and blockchain projects.

This information will help them make informed investment decisions and reap maximum returns from them. Concisely, this is a large-scale blockchain even that will feature top international speakers and proponents of blockchain technology. Attend to learn more about bitcoin and blockchain.

US Regulator Says Cryptocurrency Regulations Require “Do no Harm Approach”

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J. Christopher, the current chairperson of U.S Commodity Futures Trading Commission has said that one of the main reasons why the internet thrived is because the government did not impose too stringent measures to control it. While speaking to CNBC in an interview, the chairperson said that there is need for a “do no harm approaches” approach when creating policies to control cryptocurrency in the United States and other parts of the world.


No Need to Inhibit Innovation

When creating policies to oversight cryptocurrencies, the regulator said that the government needs to be careful not to come up with measures that will inhibit future innovations. He also went ahead to state that the team should be cautious during the policy creation process to avoid manipulation.
As mentioned earlier, Christopher repeated the phrase that the internet only flourished because there was not much government interference. He is confident that such as approach could greater help the cryptocurrency industry to also flourish despite the various challenges that faces it on a daily basis.
The do harm approach means that the government should first appreciate the fact that cryptocurrencies cannot affect the economy negatively. With this in mind, they can come up with policies that are holistic and in line with the current market trends and interests of the industry leaders. Note that there are companies that have invested millions of dollars in this technology, and one wrong policy could result in a massive loss that could affect the economy at large negatively.
The chairperson also said that there is need for caution to avoid some form of manipulation and fraud that could flush down all the gains achieved by cryptocurrency markets. When asked about the specific risks associated with fraud, Christopher stated that during the policy making stages, slow and strategic steps should be taken to ensure that all the loopholes in the system are sealed.

Mandate of CFTC

CFTC is the main government body that is tasked to regulate cryptocurrency development and trading in the United States. It is also involved in monitoring of derivative markets as well as futures. Back in 2015, the organization stated that virtual currencies are indeed commodities that need to be regulated.
Securities and Exchange Commission and CFTC have warned the public about the fraud risks associated with virtual currency markets. When asked about the assumption that the government was taking too long to come up with robust policies for regulating cryptocurrencies, he said that it’s not the case. He used bitcoin futures being legalized in the U.S is a clear indication that the government is keen on evaluating the industry. - news

Closing Remarks

The “do no harm approach” recommended by CFTC will greatly help creation of policies that are in line with the market trends. The needs and expectations of all the leaders will be put into consideration during the policy creation process and this will greatly help to ensure that we have policies that no not affect any section of the industry negatively.

OTC Bitcoin Trading in Russia Gaining Traction, Like China

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Russia is one of the countries that have put in place strict measures that hinder cryptocurrency trading. China and India have also restricted crypto trading and this has resulted in a sharp increase in demand for over the counter investment in cryptocurrency assets such as Bitcoin.



As noted by CCN, the daily trading volume of digital currencies such as Ethereum and Bitcoin in Moscow reaches $50 million on some days. Well, this figure is small compared to trading activities in the large cryptocurrency exchange platforms, but given the stringent measures put in place by Russian government, the figures are commendable.
At the moment, it is not illegal to invest in cryptocurrencies based on the fact that the local laws categorize cryptocurrencies as properties. The only requirement is that the funds invested in the currencies have to come from a legal source. This means that residents of Russian who are interested in investing in cryptocurrencies can purchase and hold Bitcoin or any other altcoin of choice without worrying about being arrested by the government.

Uncertainty about Regulations

The growth of crypto market in Russia has stagnated compared to other countries that have embraced this new technology. One of the main causes of this stagnation is lack of proper framework and policies to regulate trading. While it is not illegal for people residing in Russia to own a cryptocurrency, it is not clear if companies are permitted by the government to run cryptocurrency trading platforms.
A few months ago, the government did draft three legislations that would govern cryptocurrencies. The three focused on legality of exchange operators and the trading platforms. Unfortunately, the three legislations are yet to be approved and have been postponed until December 2018. Therefore, we will not see any accredited cryptocurrency exchange platform in Russia until the legislations are signed and passed as law.
At the moment, the local OTC platforms are relying on the existing global cryptocurrency exchanges to get cryptocurrencies into the Russian market. On average, they charge 1.5 to 2 percent commission rate and manage to generate hundreds if not thousands of dollars in profit on a daily basis.

Similar Trend in China

Unlike Russia, China has very strict rules that prohibit any form of trading in bitcoin or any other currency. It is illegal for local residents to purchase or get involved in cryptocurrency business. Nonetheless, investors are still trading despite the ban by using VPNs and fintech platforms such as Alipay and OTC.


The government has made it impossible for investors to convert fiat currency into digital assets, but they are still able to invest millions of dollars in altcoins and trade them discreetly on a daily basis. This is proof that it is not possible for governments to take full control of the industry and this is a plus for the industry system it is meant to be decentralized and uncontrolled by the government and central banks.
Concisely, analysts project increased cryptocurrency trading activity in Russia, China, India and other countries thanks to technological advancements that helps investors to hide their online activity.

Morgan Stanley to Introduce a Bitcoin Swap Trading Product Soon

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Morgan Stanley, one of the largest investment banks in the world is rumored to the in the process of creating a product that will allow its clients to swap fiat currency for bitcoin and vice versa. As noted by CCN, this sixth largest bank here in the United States in terms of assets is quietly developing a derivatives product that will benefit clients who are interested in investing in Bitcoin.

The report indicates that the U.S bank will provide smart contracts that will provide investors with the much-needed synthetic exposure to the trading of bitcoin on various exchange platforms. Another verified source also revealed that investors will be able to go long or short using price return swaps. The bank will charge a fee for each transaction to support the functionalism of the platform.
Note that CEO James Gorman had earlier indicated that the bank would not allow its clients to trade in cryptos directly using the bank. The sudden change of heart could have been informed by the sharp increase in value of the market as well as widespread adoption and creation of new digital currencies. The product is almost completely and currently waiting internal approval for it to be made available to the customers.
This bank joins an increasing number of financial institutions who are evaluating the best ways of incorporating cryptocurrencies into their financial operations. Citigroup and Goldman Sachs have also hinted about providing bitcoin derivatives products to their customers.

Intercontinental Exchange (ICE) New Product

In other news related to cryptocurrency trading, Intercontinental Exchange is in the process of creating the first physically delivered bitcoin futures product. Note that ICE is the largest stock exchange platform in the world at the moment. Once this new product is launched, investors will be able to settle contracts using actual BTC instead of fiat currency such as the US dollar. In fact, most of the bitcoin futures products offered by platforms such as CBOE and Chicago based exchanges CME relying heavily on fiat currency.

Closing Remarks

The news that Morgan Stanley is in the final stages of launching a product that will cater for customers who are interested in cryptocurrency is good news for the industry. It shows that banks and governments have understood how blockchain technology works and are no longer afraid that trading in cryptocurrencies could affect the economy negatively.

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Continued development of similar products will help increase the number of people who invest in the currencies. It will also help spread the world about the power of having digital assets to countries that are yet to adopt this technology fully. Nonetheless, it is important for the banks and governments to work together to create policies that will promote the growth of the industry. These policies will ensure that all parties involved get value for money and don’t end up losing money on wrong deals. Cryptocurrency and blockchain technology is here to say and will continue to improve lives of millions of people from all across the globe.

AlphaPoint to Introduce Cryptocurrency Indexes & Tech to Support Creation of Smart Baskets

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AlphaPoint, one of the leading blockchain technology based companies in the world, has announced that it will soon launch cryptocurrency indexes and technology that will allow it to create smart baskets specifically for cryptocurrencies.

As noted by HPC Wire, the company is focused on giving companies the ability to digitize their assets and as well, as operate digital asset exchanges in any part of the world. The statistical performance of AlphaPoint Indexes will have a significant positive impact on the cryptocurrency markets.
The smart basket functionality extends to the company technology and is in line with its goal of digitizing and creating white label asset exchange platforms. Full implementation of these two developments will see the company become the premier provider of products that can be used to benchmark performance of digital assets.

AlphaPoint Leaders Index

AlphaPoint Leaders Index is made of between 8 and 15 tokens that cover approximately 805 of the global cryptocurrency market capitalization. It will give a clear picture of the highest valued crypto assets in the world.

AlphaPoint Fast Movers Index

AlphaPoint Fast Movers Index will be made up of 8-15 tokens in terms of trading volume. Unlike AlphaPoint Leaders Index, this one will give a clear picture of the liquid crypto assets in the market.
Apart from giving asset managers as well as individual industry leaders the ability to monitor performance of assets against the broad cryptocurrency market, the AlphaPoint indexes can also be licensed and used to create derivatives of multiple products.

AlphaPoint Exchange Product

By making full use of AlphaPoint Exchange product, the company will be able to reproduce the performance of the underlying indexes. More importantly, it will give exchange operators the ability to create additional products for their clientele without spending a fortune.

AlphaPoint Smart Baskets

AlphaPoint Smart Baskets framework is designed by professionals who have years of experience in this industry and are committed to ensure that it delivers the expected results. The framework has the ability to create a token that resonates with the performance of the foundation or underlying indexes. It achieves this goal by automating the simultaneous purchase sale and bid offers on the cryptocurrencies listed in the licensed index.
One of the main advantages that investors will get from AlphaPoint Smart Baskets is that they will now have the opportunity to take broader and confident positions in the cryptocurrency niche and at the same time be passively involved in re-balancing their portfolios.

When making this announcement, the company officials stated that they were excited to finally provide a transparent index that is based on rules and regulations. The company is also confident that the products will soon become the most trusted and reliable benchmark in the ever-growing cryptocurrency industry. The Chief Executive Officer also stated that just like the existing exchange technology and digitization, the data powered tools would give institutions the muscle they need to come up with new products in the cryptocurrency world.

67% of Cryptocurrency Investors Prefer Being Paid in Bitcoin

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According to a new report done by ChronoBank and reported by CCN, a majority of cryptocurrency investor prefer being paid in bitcoins. The report also show reveals that most of them are disappointed that employers are not willing to pay their salaries in form of altcoins and bitcoins.


Effect of Price Changes of Crypto Wage Earners

The survey polled 445 cryptocurrency investors and enthusiast who are already planning to invest in several digital currencies in the near future. The survey found out that 66% of the respondents have no problem receiving their wages in form of bitcoin or any other globally traded cryptocurrency.
30% of the people polled said that they are confident that companies or enterprises in their respective countries will change their policies to be able to process employees’ salaries in bitcoin. However, a majority of US respondents were skeptical about that due to the many challenges that they felt are hindering widespread adoption of cryptos.
83% of the survey respondents said that they were willing to receive bonus payment payments from their employees in form of bitcoin or any other altcoin in the market. The survey also went an extra mile to ask question related to taxation of digital currencies. An overwhelming 52% of the respondents said that they were ready to pay taxes to the government for the digital revenue they generate from cryptocurrency trading.
65% of respondents from the United States also said they were ready to pay taxes but surprisingly on 30% of Russian crypto investors were willing to pay the said taxes. In a nutshell, 60% of the young cryptocurrency investors had no problem paying taxes for the earnings and cryptocurrency transactions.
It is also important to note that most of the respondents were from Russia, U.S, and Australia as these are the three countries with the highest level of cryptocurrency adoption. 92% of the respondents were male, 40% were aged between 25 and 34 years, while 75% were employed in companies and some were working for the government.
ChronoBank is of the idea that introduction of crypto payment method would not only benefit employees but also the employers. Having a reserve of bitcoin or any other altcoin for purposes of paying salaries means that the company can choose to trade them when the prices are right to meet their daily operating costs.


Uncertainty about Regulations

Surprisingly, the survey showed that most of the people who were polled did not have a clear idea of the set rules and regulations regarding receiving and trading cryptocurrency. Even though different companies are busy coming up with policies and legislation to govern the industry, most of the investors don’t have adequate information about the new laws.
Finally, respondents who work in human resource department are of the idea that blockchain technology will soon be used to process payments as it is more secure and reliable than the existing systems. 57% of the people polled said that they strongly believed that cryptos would have a positive impact on the economy.

LENDSBAY – Lend Money to Only Approved Borrowers

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Lendsbay ICO Review

Lendsbay is a digital lending platform for the informal lending market. The informal lending market is a market in which friends, relatives, acquaintances, and other individuals lend money to each other. Banks, credit card issues, mortgage lenders, and leasing providers are not a part of this market. These entities make up the formal lending market. Lendsbay plans to use an app and blockchain technology to solve a lot of the problems that currently exist with the informal lending market, and to make informal lending easier and more secure for both borrowers and for lenders. 


Problems with the Current Informal Lending Ecosystem 

The reason why Lendsbay was founded is because the current informal lending ecosystem just has too many problems. There are six main problems with the current informal lending ecosystem. These problems are no formal loan records, no contracts, no credit history, no integration with the formal lending segment, no market-based mechanism for determining interest rates, and no tools for risk management. 

No loan records and no contracts are a problem because when disputes arise, there is no documentation that displays that a loan agreement or that a contractual agreement ever took place. So, the borrowing party can simply deny that a loan was ever given. This prevents the lender from being able to hold the borrower accountable in the event that the borrower defaults on the loan repayments. It also prevents the borrower from being able to hold the lender accountable if the lender fails to lend the agreed upon amount of money. No credit history is a problem because it prevents lenders from having any idea of the borrower’s creditworthiness. No integration with the formal lending segment is an issue because performance and behavior in the formal lending segment does not carry over to the informal lending segment. No market-based mechanism for determining interest rates is problematic because this can result in random and inconsistent interest rates. Finally no tools for risk management is an issue because there is no credit rating, diversification, or insurance, which makes the entire market riskier. 

lendsbay ico

How does Lendsbay Work? 

Lendsbay has an app that users can download to find informal borrowers or lenders. When they find the lender or the borrower they are looking for, they can agree to a loan amount. A record of this agreement is stored on app, which can be used later on for proof of the terms of the agreement. Through the app, social groups can come together to pool financial resources for lending. These groups are called “bays.” This is ideal for social groups, colleges, clubs, or other groups of people who would rather lend as a part of a group than do it individually. 

Another key feature of the Lendsbay platform is that blockchain technology is used to store the credit rating information of the users. This solves the problem of not being able to determine the borrower’s creditworthiness. The Lendsbay app also uses blockchain technology to facilitate financial transactions between parties on the platform. This helps to keep all transactions organized, secure, and undisputable. Finally, the Lendsbay app creates the elements of an ecosystem for financial relations. These elements include mutual insurance, purchasing, selling items, leasing items, and decision making systems. 

Why Lendsbay? 

The Lendsbay app essentially solves all six key problems with the current informal lending ecosystem. This means that anyone who would like to participate in informal lending can do so with the Lendsbay app in a way that is safe, secure, and much more advanced than without it. Without the Lendsbay app, doing informal lending goes something like this… Joey heard that his friend’s nephew needs a five thousand dollar loan. Joey would like to make some money through lending with interest, so he tells his friend he will give his nephew the $5,000 at a ten percent interest rate. This may seem relatively simple. However, Joey has no idea what his friend’s nephew’s credit score is, he has no idea if the nephew will pay him back, and he has no idea if he would be able to enforce the agreement in a court of law if the nephew did not repay him. So, in short, informal lending can be a nightmare with the current methods available. 

However, with Lendsbay, if Joey wanted to make some money through lending, he could just log onto the Lendsbay app, view available borrowers, check their credit scores, find one he likes, make a loan offer, have that offered accepted, have a record kept for that offer, and lend the money on the app.

lendsbay ico

The money would be sent in cryptocurrency using blockchain technology and the payments would also be sent in cryptocurrency using blockchain technology. So, with Lendsbay, all of the stress, risk, and hassle that currently exists in the informal lending market is eliminated. 

Final Thoughts

Lendsbay is exactly what the informal lending market needs. Right now, it is messy, risky, stressful, and inefficient. Lendsbay could genuinely change all this for anyone who wants to participate in the informal lending market. In fact, Lendsbay could not only fix the existing informal lending market, but it could create new and exciting opportunities for entrepreneurs who really want to dive into this market. Because borrowers will be so much easier to find, and their creditworthiness will be so much easier to determine, informal lenders may be able to quickly scale their lending operations. 

The new Lendsbay digital lending environment will also help to provide convenience and efficiency for informal borrowers who will no longer have to hound their friends and relatives for loans if they get rejected by the banks. So, essentially, Lendsbay has a lot of potential to dramatically improve the informal lending market, and to create new and exciting opportunities both for informal lenders and for informal borrowers. It is a very exciting project, and Lendsbay has the potential to be a solid ICO. 

lendsbay ico review

 Lendsbay has the potential to change the informal lending landscape for the better. It could add security, efficiency, and convenience to this marketplace; all of which are needed and are missing from the currency market. It is an ICO to keep an eye on.

Britain to Regulate Cryptocurrencies

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UK to Regulate Cryptocurrency

UK Finance Minister, Phillip Hammond, has pledged to oversee the development of vibrant Cryptocurrency markets in the country. The Minister went on to state that the Cryptocurrency markets would be improved through a formulation of effective policies, which are customized for the UK markets. The world’s fifth-biggest economy (Nominal GDP) is one of the most significant Cryptocurrency markets.

To effectively formulate the policies, the UK government ordered the Financial Control Authority (FCA) and the Bank of England to select a panel of Financial experts to deliberate on the role of Cryptocurrencies in the UK and the regulatory framework to be considered. The UK, therefore, becomes one of the major global financial leaders to initiate a task force to deliberate on the set of structures for regulating the Cryptocurrencies. The French AMF and the US, the House of Representatives Committee on Finance, Securities and Trade has kickstarted the process.

This move, by the UK, comes after the G20 Summit declared that the Cryptocurrencies are Assets rather than currencies. The G2O, however, advised the relevant global institutions such as the World Bank, OECD, FCB and the SFSG to draft framework for sustainable policy formulation.

The British Financial Technology form – Fintech – is expected to partner with Britain’s long-term trade partner, Australia in Cryptocurrency markets. The British strategy “Financial Technology” (Fintech) is expected, under this deal to be operational in Australia. This deal, additionally, entails the transfer of laws and regulation concerning Cryptocurrencies herein referred as “Fintech.” Under this strategy, Australia will constitute an Institution called Fintech Australia, and Britain’s will Innovate Fintech. The two institutions are expected to collaborate on all matters touching on Cryptocurrencies. The UK and Australia markets combined have a population of about 100 million people, which translates to a vast market with massive potential.

The UK Finance Minister further expressed the nations wish to be a front-runner in Cryptocurrencies trade which he termed as a digital evolution. The new laws to be formulated will regulate the UK ICO markets and Cryptocurrencies to enhance transparency and accountability. Furthermore, regulation will ensure that ICOs and Cryptocurrencies are stabilized so that they become sustainable investment approaches to raising capital, earning interests and paying taxes to the government.

However, despite the assurance of better days ahead by Charlotte Croswell, CEO Innovate Fintech, the Bank of England and the FCA are yet to assure the British Market that the Cryptocurrency ventures a are safe investments following earlier warnings of uncontrolled volatility

What to expect

The US, France and other countries have set precedence for government interventions in crypto markets. With the UK on board, we hope to see more states following suit and initiating processes of framework development to support crypto markets.

It is becoming clear to the world that the G20 has already welcomed Cryptocurrencies as a new technology worth nurturing for the future financial services expansion. Before the July 2018 Cryptocurrencies testimonial presentation to the G20, we expect that more countries would have developed a conducive environment for ICOs and Cryptocurrencies.

More startup technology firms will flout the ICOs and Cryptocurrencies process would soar in this positive news. As investors get their stake before a price surge. As at March 22, 13h00, the Bitcoin Price was trading at a high of $9,084.78 and low of 8, 745.32; Pundits are optimistic that the price on the world’s most famous virtual currency would hit $9,500.00 as governments, the G20 and many corporates undo the adverse effect of Google and Facebook ban in their endorsements of validity and viability.

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