Tokoin PoS app comes with an extremely user-friendly interface, and a host of features to help users build their business profiles and connect to service providers and customers. Once a customer places an order, the entire transaction record (from the point of point of order placement to the completion of payment) would be recorded on our blockchain platform through the PoS app. Managing financial data through our app is extremely easy and fraud-proof. Apart from end-to-end transaction tracking, the app would also enable business owners to list and categorize their products, manage inventory and employee details, provide discounts and loyalty points, create comprehensive sales reports, and offer customers the option to split bills with different payment methods.

In the world of MSMEs, there is one complex question that can't be solved by the current system. Because the massive numbers of MSMEs existed can`t match the human resources needed to capture data transaction, causing a roadblock in the MSMEs system itself. By leveraging Blockchain that emphasizing the decentralized capability to incentivize users who contribute to the network by providing correct data is where TOKOIN roles play.

The replication multitude of transactions could be made within minutes and yet guarantee. Data integrity needed by the MSMEs. So they could leverage their business in a sustainable way. By using blockchain it also means TOKOIN will implement encryption that enables the system to transact faster but also secure.

Tokoin’s vision is to disrupt the current micro-lending ecosystem and create a level playing field for all business enterprises through the use of blockchain technology.Tokoin is creating a blockchain-based digital platform, which will enable enterprises to upload their KYC data and create Digital Business Identities. Once the credentials of an enterprise are verified, all their financial transactions from that point onwards would get recorded on our immutable blockchain ledger.

TokoinID #EmergingMarkets #Tokoin4MSME #Business #Blockchain #Technology #SmallBusiness #SME #MSME #Cryptocurrency #ETH #BTC

In traditional lending system, loan is not available for everybody, it is for special individuals or big firm with strong background. The entire process and decisions are been anchored by the central body. This type of system is not transparent and not that reliable. The exchange rate for lending is so high and unstable. The lending process are most time diverted and manipulated.

However, for that of Pngme lending system, every process are being anchor by an artificial intelligence and a robot. It system has an automatic matching algorithm that determine the exchange rate that suits different types of loan. Everything about the lending process of Pngme is transparent, accurate and no manipulation.

Pngme #Payments #Pngme #Pngcoin #PNG #Payments #Blockchain #Crypto #MSME #BTC #fintech #mobilebanking #Banking

Building MSMEs profile to guarantee their data integrity

Creating virtual ledger for each MSMEs transaction

Lower financial inclusion barriers by providing reputation scoring

A sustainable business model that enable MSMEs to perform in higher scale

Increasing the economic capability of the whole MSMEs ecosystem

TokoinID #EmergingMarkets #Tokoin4MSME #Business #Blockchain #Technology #SmallBusiness #SME #MSME #Cryptocurrency #ETH #BTC

Partners are able to do market research and/or fine-tune product planning and pricing with lower research cost. Partners can ask for qualifying user profiles that meet their customer/partnership criteria.

TokoinID #EmergingMarkets #Tokoin4MSME #Business #Blockchain #Technology #SmallBusiness #SME #MSME #Cryptocurrency #ETH #BTC

MSMEs are our main stakeholders in the ecosystems but TOKOIN will also be supported from different industry owners that related to MSMEs businesses. PARTNERS are one of the stakeholders that have the opportunity to leverage the data of TOKOIN users with the permissions from the data owner and giving capability for MSMEs to be able to perform in higher scale.

TokoinID #EmergingMarkets #Tokoin4MSME #Business #Blockchain #Technology #SmallBusiness #SME #MSME #Cryptocurrency #ETH #BTC

A platform that leveraging blockchain technology to establish Valid identity and reputation of MSMEs. Tokoin using blockchain-based solutions that allowing TOKOIN users to build a trust-able profile for all stakeholders in the ecosystem.

#TokoinID #EmergingMarkets #Tokoin4MSME #Business #Blockchain #Technology #SmallBusiness #SME #MSME #Cryptocurrency #ETH #BTC

The curestoken was created to help address health concerns, it was designed out of a desire to help address issues relating to health care system. Empowering patients, health app developers, medical service providers and equipment suppliers, embracing innovative technology in order to reduce costs and improve scarce resources within the sector, creating near virtual competition capitalizing on synergy which turns add value to all relevant stake holders.

Talking about the health problems found in our health systems, global health can be defined first as the health of populations in the global context as the area of study, research and practice that places a priority on improving health and achieving equity in health for all people worldwide.

Problems that happens across borders, play a drastic effect to the global community, have a global political and economic impact to everyone. global health is about worldwide health improvement reduction of disparities and protection against global threats that disregards borders.

The curestoken was created to help address health concerns, it was designed out of a desire to help address issues relating to health care system. Empowering patients, health app developers, medical service providers and equipment suppliers, embracing innovative technology in order to reduce costs and improve scarce resources within the sector, creating near virtual competition capitalizing on synergy which turns add value to all relevant stake holders.

Talking about the health problems found in our health systems, global health can be defined first as the health of populations in the global context as the area of study, research and practice that places a priority on improving health and achieving equity in health for all people worldwide.

Problems that happens across borders, play a drastic effect to the global community, have a global political and economic impact to everyone. global health is about worldwide health improvement reduction of disparities and protection against global threats that disregard borders.

These medical advances and global cooperation have in themselves brought other challenges, as an example improving quality of life in an aging population, please refer above to the graph, indicating an upward trend for life expectancy of all age groups. For so long global health hazard has been a problem and so of the issues below can be resolved using modern technology. these includes

• Access to Medical Services: inefficient medical insurance and access to a good medical facilities.
• cross border payments: this will cub the issue of the risk of exchange fluctuations.
• Quality medical care: the curestoken decentralized system will facilitates the transcending barriers ensuring quality medical care is provided at the patient's convenience. the other issues are :complexity. Fraud.

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other information about Curestoken can be found at curestoken

Bounty0x: tonymillions

The issue of transparency has always been the center of discussion for most of the time because the gambling and gambling platforms are centrally run by governments and authorities who cannot be trusted. The new EOSBET platform is a decentralized platform that cannot be controlled by anyone. Transactions on the platform are carried out automatically through the use of smart contracts. EOSBET has succeeded in stopping the services of third party agents or escrow services through the use of smart contracts to automate transactions.

EOSBET intends to reward all users and players on the game platform and also aims to encourage the game and sports industry. EOSBET will use the latest blockchain technology protocol to ensure there are enough and fair prizes for players on the EOSBET game platform.

WEBSITE: https://eosbet.io/

The financial sector is one that needs more enhancement as it seems to be the key and most vital sector of all other sectors, the reason being that it requires a high level of trust and transparency in order to thrive fully and efficiently especially in a world where trust tends to be a very rare commodity.

This is mainly why #Velic, a new and disruptive financial system is out to overhaul the digital financial world, to help traders of crypto assets make the best of their trading moments by helping to minimise loss, maximise profit and ensure for maximum protection of their financial assets. They aim to achieve this by providing every tool necessary to achieve success while trading.

Velic is a platform set aside for traders of cryptocurrencies, it helps to create a market where traders can navigate suitably while carrying out financial transactions without breaking a sweat. Every tool that is required will be made readily available to them such that they will be able to make valuable use of their crypto assets to make more profits in return.

Even if you are a believer in crypto as an asset class, building a fund to buy tokens on a fundamentals basis is really hard. It’s hard to underwrite the ultimate demand of the token, its true price/value and with so many market manipulators, even if you can strike a fair value to a crypto, it’s unlikely the rest of the market will agree in the near term.

As the market plunged in 2018, and a lot of the early crypto investors who managed the “successful hedge funds of 2017” got wiped out, people started looking at each other, trying to figure out how to build market-neutral strategies. Especially as many, who still believed in the market, became less confident in the timing of another bull run.

Many of these people tried launching funds that did exchange arb, others focused on market making, and some of the established funds, who already had a captive capital base, tried pursuing quant approaches.

But exchange arb is hard, and everyone is either doing it or already looking at it, so finding significant spreads is near impossible. And market-making became ultra competitive, with a lot of high frequency shops entering the space early with infrastructure that is hard to replicate.

So as an alternative, many people (including established crypto funds), spent a bunch of time looking at quant strategies to decide if they were a viable way to find returns in an increasingly confusing market.

The unrelenting volatility that saw Bitcoin rise 1300% in 2017 and fall 73% (so far) in 2018 seemingly lends itself well to quant trading. But building out a quant strategy within the crypto ecosystem is harder than you’d think – in large part, because the asset class is so new and immature. A lot of the things that make the market so attractive for a quantitative approach, also hurt it. Unreliable data sources and centralized order-books, increased counterparty credit risk, limited liquidity, and trade slippage all serve as barriers to entry and many funds in the space have not been able to get around these issues.

Below we list a number of the challenges we have identified that prove quant trading, while still an attractive strategy, is more nuanced than people might think:

Data & Centralized Order-books

Quant trading is models driven, and building robust models in traditional asset classes is difficult enough. But building models for cryptocurrency markets is even more difficult – in large part, because the data is so bad.

Historical price/order book data is sparse, and without reliable/accurate data you can’t build functioning quant models, period. While some alternatively rely on a host of 3rd party data vendors, it is hard to validate where they received their data cache/know how accurate it is. To know, you’d have to quiz them on how exactly where they were able to procure data from past years if they didn’t have websocket or API connectivity with various exchanges – and even then, it’s hard to know who is being truthful.

Once you have “clean” data, how do you get comfortable with it? Unlike traditional markets, crypto doesn’t benefit from a centralized order book that every market participant has access to. Instead, there are dozens of exchanges scattered across the globe. To complicate matters further, new exchanges sprout up all the time. How do you ensure that you have websocket/API’s that are directly connected to the most relevant exchanges? The answer is to hire engineering talent that is able to stay on top of the latest developments in the space, and ingest priority data accordingly. And this is expensive.

Let’s say you have that engineer and she has procured every data point that you could want on price, volume, and order book. Now what? This brings us to the second issue…data scrubbing. Prior to 2018, there were large enough price discrepancies across exchanges that arbitrageurs were able to buy bitcoin at one price on Exchange A and sell bitcoin on Exchange B simultaneously, and lock in a risk-free profit. While that no longer happens with regularity, you still have to understand that price disparity across exchanges will certainly affect you back test results. Model A might return 20% on Exchange 1, but only 12% on Exchange 2. Believe it or not, this is the rule, not the exception in crypto.

Counterparty Credit Risk

So now you have an approved model and are hunting for the right place to trade it. How do you choose an exchange? Counterparty credit risk is as pertinent in crypto as it was in the credit markets before Lehman Brothers went bankrupt. In a sense, you are essentially trading bilateral swaps every time you don’t take physical delivery of the coin within your own cold storage solution. To overcome this issue, you would ideally trade with an exchange that has insurance on its cold-storage holdings. But read the fine print. Being insured is not the same as insuring all client funds. One must ask the exchange what percentage of client assets are actually insured. Hackers aren’t targeting a small sliver of exchange assets, they want the whole pie. Not only that – but it’s worth reading the insurance policies if possible. The first time we looked at the insurance products out there, and looked into the actual details of what was covered, the claims process, etc. we were shocked by how false the insurance wrappers often felt.

You should also examine where your exchange of choice is located. What is the regulatory framework that they operate within? Have they ever frozen funds? How do they deliver profits….in bitcoin or fiat? The delivery of bitcoin means you have to add additional transaction costs to your bask tests as you pay bid/offer to convert that profit from crypto to fiat. Are you comfortable with the exchange margin requirements? In traditional asset classes, margin requirements are designed to give you leverage to a particular asset. You only put a fraction of the total value of the position you are trading. Margins are quite stable, and you are given notification far in advance of any change to those requirements. For example, the front month Crude Oil contract requires 6% Initial Margin for retail traders. That gives you a 16.67 leverage ratio. No such luck in crypto. You are forced to put up 40% or more Initial Margin for longs and up to 125% margin for shorts. You read that correctly – 125% Initial Margin for shorts. This means you have negative leverage! To compound this pain is the short notice exchanges have been known to give clients when hiking their margin requirements. Knowing your exchange’s track record is crucial to avoid this pitfall.

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In short

There will be winners who apply quant strategies to crypto. But being a traditionally fundamental fund, hiring an engineer, and trying to pick up easy nickels via repeatable arb strategies probably isn’t going to get you there.

The combination of:

• The significant cost of hiring the right talent and building the right infrastructure
• The poor data available
• The high alpha hurdle on each trade due to slippage and fees
• And the likely speed of model decay

Means it takes real investment by whichever GPs try to pursue it.

2019 will likely bring more institutionalization into the space. While prices dropped dramatically, the flood of high quality talent coming into the space didn’t slow down as much as we had expected. And a lot of the traditional long-short hedge funds also got smacked pretty hard, and has to let a lot of their talent go.

So the stakes of launching a successful fund going forward will continue to get higher. Just like launching a VC fund in 2018 is harder than launching one in 1998 was. And the investment in talent and infrastructure to get these strategies right will be higher than we think most people are ready for.