Иван Мищенко

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IKEA's Icelandic subsidiary transacted with the Ethereum blockchain. The local Nordic Store purchased goods from IKEA and paid the bill with tokenized Icelandic kroner, according to a press release. The transaction was carried out through the platform of the supply chain company Tradeshift, and Monerium startup provided the tokenized crown.

“Government-regulated programmable money will become the basis of payments in electronic commerce, as they allow the use of smart contracts. They have many use cases. For example, they can be used to generate “smart accounts” that will calculate themselves, ”said Gert Silvest, co-founder of Tradeshift.

Monerium was the first institution licensed by the Icelandic Financial Supervisory Authority (FME) to issue electronic money on the blockchain.

Unlike volatile cryptocurrencies, electronic money is a proven regulated digital alternative to cash. The use of programmable electronic money in smart contracts is a harbinger of a new category of payments, ”said the head of Monerium, Svein Walfell.
Recall that last year Tradeshift raised $ 250 million to develop blockchain solutions.

The leading Swiss stock exchange SIX has announced the launch of a traded exchange product (ETP) based on Bitcoin and Ethereum, The Block reports.

The new financial instrument was launched thanks to the efforts of fintech firm Amun AG and cryptocurrency custodian Bitcoin Suisse AG. Bitcoin and Ethereum included in the ETP are represented in it in the proportions of 90% and 10%, respectively. The exchange product will be traded under the ticker symbol ABBA.

“This product is fully secured by physical assets. This means that for each bitcoin and Ether unit included in the ETP, an appropriate amount of cryptocurrency securely stored in Bitcoin Suisse Vault will be purchased, ”said Amun AG representatives.

CEO and co-founder of Amun Hani Rashwan noted that the new product was created in response to the demand of market participants for ETP nominated in Swiss francs.
Thus, this is the seventh cryptocurrency exchange funds from Amun, presented on SIX. On this exchange, ETPs are also traded based on the XRP token from Ripple, Bitcoin, Bitcoin Cash, Ethereum and products based on the crypto asset basket - Amun Crypto Basket Index ETP and Amun Bitwise Select 10 Large Cap Crypto Index ETP.

Stone Ridge, an asset management company, has filed an application with the US Securities and Exchange Commission (SEC) to launch a new investment product related to Bitcoin futures.

According to the securities issue prospectus, the NYDIG Bitcoin Strategy Fund will earn income by investing in bitcoin futures. We are talking about contracts with settlements in fiat currency, which are traded on exchanges registered with the US Commodity Futures Trading Commission (CFTC). The fund does not intend to invest directly in cryptocurrency or in BTC futures with physical delivery, like with Bakkt.

In addition to Bitcoin futures contracts, the NYDIG Bitcoin Strategy Fund plans to include “significant cash” and US government securities in its assets to provide liquidity. Nevertheless, in the prospectus Stone Ridge warned that investing in fund shares should be considered as speculative and risky.

“Bitcoin and its futures are historically very volatile. You must be prepared to lose all your investments, ”the company emphasized.

The fund will issue 100 thousand shares at a price of $ 10 without limiting the minimum purchase amount. Securities will not be traded on an exchange. To provide investors with liquidity, the fund will offer a quarterly repurchase of 5% of the total issue. The company does not give guarantees that all investors will be able to sell the desired amount of securities.

Recall that the SEC is awaiting approval of the Bitwise Asset Management application for the launch of a Bitcoin-based Exchange Traded Fund (ETF), the probability of which the regulator approved before was estimated at 0.01%. VanEck and SolidX withdrew their application for Bitcoin-ETF, without waiting for the decision of the Commission.

Investors of the Telegram Open Network (TON) blockchain project received a letter in which the developers officially confirmed the launch of the platform at the end of this month. Investors also gained access to key generation software. It is reported by The Bell.

Using software called TON Key Generator, you need to create two encryption keys - personal private and public.

The latter must be sent to the TON team by mail no later than October 16th. After that, investors will be contacted to confirm the information.

In addition, investors were asked to select validators. The letter emphasizes that Telegram or the TON Foundation will not act as validators.

Recall that in September Telegram launched a blockchain browser for TON and software for nodes.

The Turin Juventus outplayed SPAL on September 28 in the match of the 6th round of the Italian Championship.
Juve only opened the score in the last minute of the first half - Miral Pyanich scored a beautiful goal.
In the second half, Juventus continued to put pressure on the gates of SPAL, and in the 79th minute Cristiano Ronaldo scored the second goal with a header after a pass from Paulo Dybala.
As a result, Juventus won 2-0. The score could have been larger, but the SPAL goalkeeper Etritte Berisha had a good game, reflecting several dangerous shots.
In this match, Juventus goalkeeper Gianluigi Buffon was the first Italian footballer to play 903 games, breaking the record for Milan defender Paolo Maldini.
Juventus 4-3-1-2: Buffon; Cuadrado, Bonucci, De Ligt, Matuidi; Khedira (61 ’Djan), Pjanic, Rabiot (77’ Bentancourt); Ramsey (65 ’Bernardeschi); Dybala, Ronaldo
SPAL 3-5-2: Berisha; Tomovich, Vicari, Rocha; Sala (72 ’Jankovic), Murja (58’ Strefetstsa), Missiroli, Valdifiori, Retza; Petagna, Moncini (76 ’Paloski)

After six games, Juventus has 16 points. SPAL scored only 3 points and closes the Italian championship standings.

This season, the heroes of the last Champions League, players of the Tottenham tournament finalist, cannot be recognized. After six rounds of the Premier League, Mauricio Pochettino's team shared 7-12th places, scoring only two victories, and, in addition, flew out of the League Cup. “Spurs” were weaker than “Colchester” from the fourth division.

“There is no longer any excuse for youth, players must take responsibility,” Harry Kane, the Tottenham attack leader, responded to the situation.

In the home match of the 7th round with Southampton, everything went smoothly in the first half hour, when the summer freshman Tangay N’Dombele opened the scoring, breaking under the crossbar from Pass Heung Min.

But then Tottenham again fell into the pit. First, the “headless” defender Serge Aurier was removed from the field, having earned two yellow cards in four minutes, and then a monstrous mistake was made by Hugo Lloris. Goalkeeper brought the goal out of the blue! At the ball, the Frenchman received a pass from a partner and “hung”, not knowing which decision to make. Lloris did not have time to knock the ball - came under pressure from Danny Ings. The attempt to beat the striker ended in some awkward movement: Ings robbed the goalkeeper and scored a goal. Does the Frenchman have a black streak now? However, such errors are generally characteristic of Lloris, it is enough to recall the finals of the World Cup in Russia.

Fortunately for Tottenham Hotspur, Kane can make a difference even when the team has particularly difficult moments. Before the break, the “spurs” took ten of them ahead thanks to a goal from their sniper. The attacker handled the ball with the first touch after the transfer of Christian Eriksen, and the second - sent to the net.

The Bitcoin cryptocurrency price fell below the level of $ 8.028.7 on Friday. During the day, the Bitcoin cryptocurrency was trading at 8.028.7 at 21:57 (18:57 GMT) according to the Investing.com index, dropping 1.16%. This was the largest currency depreciation since September 26.

The downward movement reduced the market capitalization of Bitcoin cryptocurrency to $ 145.4B, or to 66.83% of the total capitalization of all cryptocurrencies. Earlier at the highest values, the market capitalization of the Bitcoin cryptocurrency was $ 241.2B.

The Bitcoin cryptocurrency has been trading at between $ 7,882.1 and $ 8.119.9 in the past 24 hours.

Over the past 7 days, the Bitcoin cryptocurrency has shown a drop in value by lost 20.44%. The volume of cryptocurrency Bitcoin over the past 24 hours has amounted to $ 16.1B or 28.34% of the total volume of all cryptocurrencies. It has been trading at $ 7.773.6040 to $ 10.177.8652 in the past 7 days.

At the moment, the Bitcoin cryptocurrency was still showing below 59.60% of its peak values ​​of $ 19,870.62, which were reached on December 17, 2017.

Meanwhile, other cryptocurrencies

Ethereum cryptocurrency is trading at $ 166.54 according to the Investing.com index, rising 2.20% during the day.

The Riple cryptocurrency was trading at $ 0.23943 according to the Investing.com index, a drop from 0.65%.

Ethereum cryptocurrency market capitalization is $ 18.1B or 8.33% of the total cryptocurrency capitalization, while Ripple cryptocurrency capitalization is $ 10.4B or 4.78% of the total cryptocurrency.

Mortgage rates in the US fell after a jump a week earlier
Mortgage rates in the US over the past week fell after last week they showed the strongest growth in almost a year.

According to a survey by the state-owned mortgage corporation Freddie Mac, the average fixed interest rate on a 30-year mortgage fell to 3.64% compared with 3.73% per annum last Thursday (when it jumped 13 basis points). A year ago, the rate was at around 4.72% per annum.

Fifteen-year loans are now granted on average at 3.16% compared to 3.21% a week earlier and 4.16% on the same date last year.

Rates do not take into account potential commissions and other payments related to a mortgage.

“Unpleasant news that Chinese trade negotiators are interrupting a trip to the United States, and weak data on the eurozone manufacturing sector on Monday led to lower bond yields and mortgage rates,” said Zillow economist Matthew Spickman. “Recent statistics have painted an ominous picture for the German economy,” which seems to be on the verge of a recession. "

The yield on 10-year-old US Treasuries on Friday is 1.69% per annum, compared with 1.723% at the end of last week. Traditionally, the cost of mortgages with a slight lag follows the dynamics of the yield of US government bonds. The average rate on a 30-year mortgage in 2018 was 4.54% per annum, compared with 3.99% in the previous year.


Ripple senior vice president Marcus Tricher said Facebook’s digital drawback is that it is a closed system.

In a CNBC interview, Tricher used the term “fenced garden,” which was previously used to control technology companies such as Facebook and Apple over their software.

As you know, the Libra Association consortium will manage the project. Now it includes, in addition to Facebook and Calibra, 26 companies, including Visa, Mastercard, PayPal and Uber. Tricher said Ripple does not have a similar structure and is not a “fenced garden”.

“Yes, it is a network, but it has no parameters. It connects with all players who want to use this technology, ”he stressed.

Nevertheless, he welcomed the desire of such a large company as Facebook to enter the digital currency space.

Recall that the fintech startup Ripple itself was criticized for its emission policy and centralized network management. In particular, investors accused the company of manipulating the price of XRP using a token distribution management mechanism.

The developers of the Guard service using artificial intelligence analyzed the user agreements of the largest social platforms and instant messengers, with which users often agree without looking, Mayak writes.

A summary of the texts of the agreements Instagram, Twitter, YouTube, Netflix, Tinder, Aliexpress, Shazam and Telegram is now available on the site.

The algorithm identified important legal nuances from them, evaluated the privacy policy, and also took into account data leakage scandals in which the service was involved.

Based on the results of this analysis, the AI ​​determined that Instagram and Twitter are the most unsafe for user data.

The most dangerous clause in the Instagram agreement, according to the algorithm, looks like this:

“Instagram cannot guarantee the security of any information you submit to Instagram, or guarantee that the information will not be accessible, disclosed, altered or destroyed.”

Twitter has this phrase:

“Your information may be sold or transferred as part of this transaction.”

The safest from the point of view of the Guard is the Telegram messenger. Algorithm concerns raised only this clause of the agreement:

"We will never delete your pictures with funny cats, because we ourselves are delighted with them."

It is noteworthy that the site focused on popular services for some reason did not appreciate the social network Facebook. However, developers accept proposals for resource analysis by filling out a special form.

They also offer users to train artificial intelligence in a game form to better recognize unacceptable points in agreements - you need to choose one of two options for the wording in the document.

Recall that the social network Facebook has repeatedly been implicated in scandals with the leak of user data. And in August, company management admitted that they hired hundreds of third-party contractors to listen to the audio recordings they send in the Messenger app.

A synthetic central bank digital currency (sCBDC) based on public-private partnerships is better than a fully functional CBDC, according to the International Monetary Fund (IMF).

Tobias Adrian, director of the IMF's currency control and capital market department, and Tommaso Mancini-Griffoli, deputy department head, described the benefits of the sCBDC model on a blog. She intends to leave the issue and support of stable digital currencies to private issuers, and the Central Bank will protect the assets of their customers.

IMF officials warned that the launch of the CBDC would require central banks to participate in many stages of the payment chain. This can be costly and risky for the Central Bank, as they fall into an unfamiliar territory of brand management, application development, technology choice and customer interaction.

As a result of public-private partnerships within the sCBDC model, central banks will focus on their core functions - supervision, confidence and efficiency. The private sector will engage in innovation and work with clients, which can do much better than the Central Bank, IMF managers emphasized.

According to them, if central banks are considering digital alternatives to cash, then sCBDC is a “potentially attractive option” for them.

“Will sCBDC become the money of the central bank of the future?” One thing is certain: the world of fiat currencies is constantly changing, and innovation will transform the banking sector and money. You can bet the last dollar on it, ”concluded Adrian and Mancini Griffoli.

Recall, according to the chief economist of ING Bank Mark Cliffmight, central banks will launch fully functional CBDCs only after 2-3 years. Earlier media reported that the People’s Bank of China would release digital currency in November, but the regulator denied the information, calling it “inaccurate speculation.”

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IKEA's Icelandic subsidiary transacted with the Ethereum blockchain. The local Nordic Store purchase…
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The Turin Juventus outplayed SPAL on September 28 in the match of the 6th round of the Italian Champ…
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The Bitcoin cryptocurrency price fell below the level of $ 8.028.7 on Friday. During the day, the Bi…
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