Wednesday 22 February 2017

Mine Bitcoins from Android Phone!! Earn 5-7$ a Day!!




  • bitcoin miner
  • Bitcoin mining apk
  • Bitcoin mining apps
  • Bitcoin mining software
  • bitcoins
  • Earn money with with bitcoins
  • Free bit...
  • Mine bitcoin from android
  Just download this app:-
And start earning money!!
Why wait ??
Start now!!
Earn money from online mining
Mine Bitcoins from android !!

Down the App form the Play store

BITCOIN MINER.

best cryptocurrency to invest

If you are not a big fan of digital currency, and can be skeptical about this, the first question that would probably get in your mind is why you will use if you have a stable currency if you can hold and certainly there to have real value. This feeling is shared by all new users of the currency, but when you come to look at the trends, you begin to realize that time 


passes, digital currency to slowly make their way into the general acceptance of the market – especially when starts talking about Bitcoin.
Although it is not only existing, began the revolution which allowed the emergence of new and stored digital currency. Consider this a first breakthrough in the way we look back can turn into a financial and commercial transactions in the future.
Now to the question of why this type of use if you answer all fiat currency reliable that you can use, the most reasonable would be anonymous. Remember that if you make online transactions, even for that matter any kind of money, you must have a profile that people can watch and inform you, so even going to provide a single transaction. With this complete anonymity is possible, people do not know who you are, if you have that, you can freely exchange across networks who accept it. How is this possible without duplicating the existence of a unit? What is good, but by its creators as the double expense attack is already properly addressed before launching the software. In addition, lower transaction costs spent over fiat money if you use it, saving you a lot. Another reason is that there is no existing maximum limit to how much you spend or trade as long as you have it, you have the freedom to spend it.
Looking at these reasons, the next question you will have in mind is how these transactions securely. Manufacturers and developers of these currencies had all this in mind, which is why this type generally a register which anyone can access and seek to verify and check for verification.
It has not been around the world and is accepted in general, many people have already invested in the use and become experts. Bitcoin is a project that many have ignored in the past, but when you look more closely these days, you will realize how generated real value and real Bitcoin and how it is accepted by the general public.
Slowly, from birth, much of this kind of existence, we succeed and others fail, dependent and still is a game. It you must ensure that you do not spend money that you do not wear the owner and later exposed to too much debt.

PayPal CEO Dan Schulman On Cryptocurrency And Cybersecurity Threats | Squawk Box | CNBC



Image result for paypal ceo
PayPal CEO Dan Schulman talks about the volatility of digital currencies and the potential of cybersecurity threats on the internet.
» Subscribe to CNBC:
About CNBC: From ‘Wall Street’ to ‘Main Street’ to award winning original documentaries and Reality TV series, CNBC has you covered. Experience special sneak peeks of your favorite shows, exclusive video and more.
Connect with CNBC News Online
Get the latest news:
Find CNBC News on Facebook:
Follow CNBC News on Twitter:
Follow CNBC News on Google+:
Follow CNBC News on Instagram:
PayPal CEO On Cryptocurrency And Cybersecurity Threats | Squawk Box | CNBC

Monday 20 February 2017

FG retirees face N63bn shortfall in budgetted benefits Read more at: http://www.vanguardngr.com/2017/02/fg-retirees-face-n63bn-shortfall-budgetted-benefits

Image result for short fall in budget


THE National Pension Commission (PenCom) has requested for N113.0 billion for Federal Government retirees in 2017. This figure indicates a huge shortfall of N62.8 billion, or 55.6 per cent gap, in allocation provided by the Federal Government in the 2017 budget estimates

PenCom made the submission in a memorandum submitted to the National Assembly Joint Committee on appropriations at the budget defence session last week by PenCom Director-General, Mrs Chinelo Anohu-Amazu. The Commission noted that the entire N113.02 billion should be approved in pursuant to Section 39(3) of the Pension Reform Act (PRA) 2014. The pension regulator maintained that the most critical challenge of the implementation of the Contributory Pension Scheme (CPS) in Nigeria today is the non-payment of retirement benefits of Federal Government employees due to insufficient appropriation and late release of appropriated funds for payment of accrued pension rights. In her submissions Anohu-Amazu stated: “PenCom would like to make a case first, on the need for adequate appropriation of funds for the payment of the Federal Government’s pension liability under the Contributory Pension Scheme. “Based on the number of verified and enrolled Federal Government employees that retired from January to December in 2016 under the Contributory Pension Scheme (CPS) as well as deceased employees within 2016, PenCom requested for the provision of the sum of N91,914,899,000.00 in the 2016 FGN Appropriation Bill. However, the National Assembly approved only the sum of N50,195,808,918.00 in the 2016 Appropriation Act, thereby resulting in a shortfall of N41,719,090,082.00.” The Commission noted that out of the N50,195,808,918.00 appropriated for the Retirement Benefits Bond Redemption Fund (RBBRF) in the 2016 Appropriation Act, only N18,823,428,342.00 had so far been released into the RBBRF Account as at date, adding that this leaves an outstanding balance in the sum of N31,372,380,576.00 which are yet to be released for 2016. The Commission stated further: “The Joint Committee on Appropriations is requested to consider and ensure the appropriation and release of the sum of N73,091,470,658.00 to pay January to December 2016 retirees of the Federal Government. Based on the number of verified and enrolled Federal Government employees that will retire from January to December in 2017 under the CPS, PenCom determined and requested for the provision of the sum of N113,023,255,000.00 in the 2017 FGN Appropriation Bill. “However, we observed that in the proposal to the National Assembly, the Federal Government submitted only the sum of N50,195,808,918.00 in the 2017Appropriation Bill, thereby resulting in a shortfall of N62,827,446,082.00,” it said.  




cc: http://www.vanguardngr.com/2017/02/fg-retirees-face-n63bn-shortfall-budgetted-benefits/

Stock market continues to bleed as 25 equities record price losses Read more at: http://www.vanguardngr.com/2017/02/stock-market-continues-bleed-25-equities-record-price-losses/



HE bearish trend in the stock market continued unabated last week as 25 quoted companies witnessed different degrees of price losses, thereby resulting in decrease in investors’ wealth by N61 billion.Among the stocks tat depreciated in price last week were Vitafoam Nigeria Plc which led other decliners by 13.04 per cent from N2.30 to N2.00 per share. This was trailed closely behind by Fidson Healthcare Plc with negative return of 11.40 per cent to close at N1.01, followed by Nigerian Breweries Plc with drop of eight per cent to close at N115.00 per share and Chemical and Allied Products, CAP, Plc which fell by 7.50 per cent to close at N29.60 per share. Other price losers include Eterna Plc, that went down by 6.70 per cent to close at N3.34 per share; Axamansard Insurance Plc, 6.25 per cent to close at N1.50; Guinness Nig. Plc, 6.23 per cent decline to close at N60.95; Stanbic IBTC Holdings Plc, 5.90 per cent to close at N16.75; Diamond Bank Plc, 5.75 per cent to close at N0.82, while NASCON Allied Industries Plc was down by five per cent to close at N7.03 per share.


cc: http://www.vanguardngr.com/2017/02/stock-market-continues-bleed-25-equities-record-price-losses/

Image result for bitcoin and ether

Bitcoin’s value has stayed above $1,000 for a whole week
On last week’s bitcoin news roundup, one bitcoin was worth $1,009. At the time of press, one bitcoin is worth $1,061. The cryptocurrency is showing resiliency, as it is cementing itself above the $1,000 mark. Even though trading volume declined since the People’s Bank of China interfered, its value keeps on rising, and the effects of PBOC’s crackdown keep diminishing.
Ether prices surged and hit a new high for 2017
Ethereum, the second biggest cryptocurrency, has recently seen a significant increase in value, as news of major companies – such as Microsoft, JP Morgan, and Banco Santander – working on Enterprise Ethereum started to appear. Enterprise Ethereum is essentially a modified version of Ethereum to be used for private blockchains, according to CryptoCoinsNews. At the time of press, one Ether was worth $12.72

BTCChina to freeze cryptocurrency withdrawals for one month



BTCC is to freeze bitcoin and litecoin withdrawals for one month, and is now the last of largest bitcoin exchanges in China to do so, in order to upgrade its customer verification system. The move comes after at a request from the People’s Bank of China, China’s Central Bank, in an attempt to combat money laundering. BTCC plans to end the process on March 15, but added that “If the system upgrade can be completed ahead of time, all business will return to normal immediately”. China’s other major exchanges, OKCoin and Huobi, also froze cryptocurrency withdrawals last week.
There are now over 1,000 Bitcoin ATMs throughout the world
According to CoinATMRadar, there are 1,008 bitcoin ATMs in the world right now, and over 36,000 bitcoin to cash service providers, all contained in 55 countries. The United States is leading the bitcoin ATM market with 626 units, while Canada comes in second place with 138. In Europe, the leading country is the United Kingdom with 53 ATMs, and in Asia Japan gets first place, with 11 ATMs.

Bitcoin news New developments:



Former president of Bank of China claims it’s impossible to kill bitcoin
L H Li, former president of state-owned Bank of China, the fifth largest bank in the world, claimed that it is now impossible to take down bitcoin, in an interview for China’s predominant state broadcaster, CCTV. According to a translated statement, L H Li said: “Bitcoin was built on a platform without national boundaries. If you want to kill bitcoin, it will be an impossible task. So, it will continue to exist. What’s important now is that we should properly regulate it.”. The statement is of enormous importance, taking into account the People’s Bank of China’s interference in the bitcoin space. It’s possible that bitcoin’s acceptance as one of the world’s major currencies may be imminent.
The European Union plans to increase support for blockchain technology
According to a recently published statement, the European Union wants to increase the support it gives to the development of blockchain technologies and projects, even beyond financial services applications, currently being explored by several financial institutions. Last Spring the European Parliament approved a task force, led by the European Commission, to study blockchain technology. The statement even includes the possibility of future collaboration in blockchain-related events: “The Commission will organise a kick-off conference with the European Parliament on Demystifying Blockchain and a series of workshops to look at Blockchain developments and use case applications.”

Bitcoin Price Technical Analysis




Bitcoin price seems to be regaining its ground as it traded back above $1000 and is gearing up for a pullback from its climb.


Bitcoin Price Key Highlights
  • Bitcoin price recently broke past the resistance at $1000, signaling that it’s ready to resume its climb.
  • Price is pulling back to this area of interest, at which plenty of buy orders might be located.
  • Technical indicators are also signaling that more gains are in the cards.

Bitcoin price seems to be regaining its ground as it traded back above $1000 and is gearing up for a pullback from its climb.

Market Events
U.S. markets are closed for the holiday today so liquidity could be low, which also opens up the possibility of volatile action in case there are any catalysts that spur a big move. For one, headlines that sound bullish for the U.S. economy, such as Trump’s tax reform plan could put downward pressure on BTCUSD.
On the other hand, subdued reports on regulatory action in China among bitcoin firms is restoring a bit of calm in the markets, encouraging investors to put funds back in the cryptocurrency once more. To top it off, unease about Italy’s political landscape and Greece’s debt troubles could also drive up demand for alternative assets especially if traders expect another round of capital controls in those nations.
Charts from SimpleFX
Disclaimer: The information contained herein is not guaranteed, does not purport to be comprehensive and is strictly for information purposes only. It should not be regarded as investment/trading advice. All the information is believed to come from reliable sources. NewsBTC does not warrant the accuracy, correctness, or completeness of information in its analysis and therefore will not be liable for any loss incurred.

Friday 10 February 2017

AMCON takes over Arik Airline on N135bn debt



The Asset Management Corporation of Nigeria (AMCON) yesterday, February 9, 2017 took over the management of the embattled Arik Airline over N135 billion debts owed the Corporation. The corporation, which likewise announced the appointment of Roy Ilegbodu, a veteran aviation expert, to take over the management of the airline under the receivership of Oluseye Opasanya,…

2017 Budget: Stakeholders want initiatives to boost capital market performance




Stakeholders in the capital market on Thursday agreed on the need for innovative initiatives that would improve the general performance of listed companies and by extension, the market for a healthy economy.
They said this in a communique at the just concluded seminar, organised by the Securities and Exchange Commission (SEC), on the 2017 Budget in Lagos.
The seminar was titled: “The 2017 Budget of Growth and Recovery: Relevance, implications and Perspectives of the Nigerian Capital Market.”
According to the stakeholders, mostly financial experts, the capital market needs to be further deepened by introducing products that provide hedging opportunities for firms and investors against foreign exchange risks.
“Capital market needs to contribute to the removing of stress witnessed by listed firms as that affects the performance of the stock market.
“Also, accelerating asset classes such as infrastructure funds, infrastructure bonds, retail bonds and derivatives could be re-introduced for the advantage of the investors and capital market operators.
“Capital market shareholders must be actively involved in the advocacy programmes to ensure that government policies do not adversely affect the development of technical market.”
The experts called on government to amend the pension fund laws, to encourage greater allocation to capital market.
“The Federal Government should set specific timelines for identifying assets to be sold and the process which it would be sold. The same should be done to capital market.
”This would encourage efficiency and scarce resources being committed to manage assets.
“There is need to further strengthen and consolidate on the current effort on the investors education, specifically enlightening policy makers and academicians on the role of capital market in economic development.”

Excess Forex demand weighs down Naira





PRESSURES on the external sector seem persisting as outstanding foreign exchange demand on Forwards Contracts is now put at about USD4 billion despite several auctions by the Central Bank of Nigeria, CBN, to bring it down.
This was coming as the Naira depreciated significantly for the first time in recent months in the official interbank exchange rate closing at N315/ USD1, as against the stable N305/ USD1 in the past six months, while the parallel market rate still hovered between N498 and N500 to one USDollar.

Meanwhile foreign reserves remained in robust, rising by USD130 million on Friday to hit USD28.2 billion, a development which was expected to moderate exchange rates across all market segments. The apex bank had struggled to erase the backlog of foreign exchange demands since it began the new flexible foreign exchange regime mid last year, injecting over USD5 billion in batches with the latest batch injected last week amounting USD660 million for three-month and five-month currency forwards However, the weekly movements in most dated forward contracts at the interbank OTC (Over-The-Counter) segment suggests future stability of the Naira against the US Dollar. The spot rate for 1 month, 3 months, 6 months and 12 months forward contracts remained stable week-on-week at N305.25/USD, N315.34/USD, N323.27/USD, N331.53/USD and N349/USD respectively amid USD7.5 million in intervention sales by CBN to banks.

Read more at: http://www.vanguardngr.com/2017/02/excess-forex-demand-weighs-naira/

Read more at: http://www.vanguardngr.com/2017/02/excess-forex-demand-weighs-naira/
This was coming as the Naira depreciated significantly for the first time in recent months in the official interbank exchange rate closing at N315/ USD1, as against the stable N305/ USD1 in the past six months, while the parallel market rate still hovered between N498 and N500 to one USDollar.

Read more at: http://www.vanguardngr.com/2017/02/excess-forex-demand-weighs-naira/aThis was coming as the Naira depreciated significantly for the first time in recent months in the official interbank exchange rate closing at N315/ USD1, as against the stable N305/ USD1 in the past six months, while the parallel market rate still hovered between N498 and N500 to one USDollar.

Read more at: http://www.vanguardngr.com/2017/02/excess-forex-demand-weighs-naira/

Read more at: http://www.vanguardngr.com/2017/02/excess-forex-demand-weighs-naira

Thursday 9 February 2017

GUARANTY Trust Bank Plc, has been awarded ‘Best Corporate Governance, Africa





GUARANTY Trust Bank Plc, has been awarded ‘Best Corporate Governance, Africa’, in the Financial services category at the 2017 Corporate Governance Awards. The event, organized by the Ethical Boardroom Magazine, recognizes outstanding companies who have exhibited exceptional leadership in the area of governance and professional ethics. Over the years, Ethical Boardroom magazine has consistently delivered in-depth coverage and astute analysis of global governance issues.
Over the years, Ethical Boardroom magazine has consistently delivered in-depth coverage and astute analysis of global governance issues.
According to Spenser Cameron, the Managing Editor of Ethical Boardroom: “Deciding upon which African financial services company had scooped the top prize for 2017 was a hard task, considering all the final nominees had excelled and over-achieved in their governance practices over the last twelve months, however, there could only be one winner and that was Nigeria’s very own Guaranty Trust Bank. The West African banking powerhouse has shown the rest of Africa how it’s done by continually placing ethics and integrity at the heart of its business, whilst creating long term value for its stakeholders.” Commenting on the award, Mr Segun Agbaje, Managing Director and Chief Executive Officer of Guaranty Trust Bank plc, said; “We are delighted to be recognized as the Best Bank in Africa for Corporate Governance by a globally renowned and well respected magazine.

Read more at: http://www.vanguardngr.com/2017/02/gtbank-named-best-bank-africa-corporate-governance/

Read more at: http://www.vanguardngr.com/2017/02/gtbank-named-best-bank-africa-corporate-governance/
Over the years, Ethical Boardroom magazine has consistently delivered in-depth coverage and astute analysis of global governance issues.

Read more at: http://www.vanguardngr.com/2017/02/gtbank-named-best-bank-africa-corporate-governance/

Read more at: http://www.vanguardngr.com/2017/02/gtbank-named-best-bank-africa-corporate-governance/

Wednesday 8 February 2017

Now you can use bitcoin to trade the profit opportunities in Asia

Now you can use bitcoin to trade the profit opportunities in Asia

First Global Credit, the first company to bring mainstream profit opportunities within the reach of bitcoin holders, has just added over 50 fast moving stocks from the Hong Kong Stock Exchange (HKEX) to those already available on the bitcoin backed trading portal. The stocks cover not only Hong Kong based companies but will make it possible to hold positions in over 30 mainland Chinese companies that are traded on the HKEX. This innovation follows the successful addition of UK shares that were added to the site last year and was a contributing factor as to why First Global saw an increase in trading of 350% in 2016 over the previous year.
“We see cryptocurrency as a way to provide access to profit opportunities that had previously been the domain of professional or relatively wealthy investors to a much wider audience,” stated Founding Director Marcie Terman. “Through the medium of bitcoin, First Global makes it possible for investors from around the globe including the developing world to have access to profitable trading opportunities that simply would not have been possible before bitcoin.” .
“We are now serving growing numbers of traders in Africa and Latin America, as well as parts of Asia including Indonesia, Malaysia and even Nepal,” stated Terman. This is following the pattern we expected to see where cryptocurrency is adopted more widely in certain jurisdictions where ‘conventional’ market economies exclude all but the most wealthy participants. It is not only through efficiencies in cross-borders payment transactions that cryptocurrency is benefiting the average person,” continued Terman. .
First Global Credit’s goal is to support bitcoin as an addition to the global economy. To become mainstream, bitcoin holders need to be able to use their capital in all the ways one would use fiat. To pay for goods and services, to trade, borrow and invest to generate a return. Our contribution is to give people the ability to retain control of their bitcoins for the appreciation value while using them simultaneously to generate a return from a wide variety of other investments. In this case from trading a broad range of international equities, though the long-term plan is to add services that will not only benefit people who want to direct their investment strategy themselves but also those looking to generate a return through passive investment. .
In addition to stock and futures trading the First Global site also offers the Currency Switch service which allows bitcoin to fiat trading with some significant benefits over ordinary bitcoin exchanges. Gavin Smith, First Global Credit CEO explains, “Currency Switch works on the premise that it does not matter if you are holding your trading collateral in fiat currency or bitcoin. This allows clients to take advantage of bitcoin price moves while simultaneously trading other markets. So, if a trader identifies an impending decrease in the price of bitcoin they can quickly move their capital into dollars, sterling Swiss francs or euros without needing to cash out of their stock and futures trades. First Global clients have a distinct edge over other bitcoin holders because they can extract profit from their capital in two ways at the same time.” .

Countdown: Bitcoin Will Be a Legal Method of Payment in Japan in Two Months

Bitcoin will soon be legally recognized as a method of payment in Japan. The bill with provisions for cryptocurrencies has recently passed through the period of public consultation and will enter into force in April.




Bitcoin’s Other Legal Considerations in Japan

While usage as a payment method should not be affected whether bitcoin is legally considered a ‘currency’ or not, Kawai explained that, from a legal standpoint, there are some considerable differences.
“For instance, if they are defined as “currencies”, lending of VCs must comply with Money Lending Control Act (which requires lenders to register as “Moneylenders”) and VCs’ derivatives must comply with the Financial Instrument Exchange Act”, he described.Countdown: Bitcoin Will Be a Legal Method of Payment in Japan in Two MonthsSome other countries have classified virtual currency as an asset or property for tax purposes such as the U.S. Recently, Israel has issued a draft which considers Bitcoin an asset, therefore imposing Value Added Tax (VAT) as well as capital gains tax on bitcoin transactions.

However, for Japan, this bill does not define virtual currency as “property”. Instead, virtual currencies are defined as ‘proprietary value’, Kawai contrasted, adding that “a precedent of Tokyo District Court denies the concept of having ‘property rights’ of Bitcoin”. Furthermore, “it is not uncertain what is the legal nature of proprietary value in Japanese civil laws”, he clarified, adding that “I do not expect that the government is leaning towards proactively considering it as “property”.

Dubai has partnered technology giant IBM to launch a blockchain initiative for trade finance.




The government of Dubai has partnered technology giant IBM to launch a blockchain initiative for trade finance.
Announced today, the project could prove telling in its impact with shipments and transactions of goods in one of the world’s major trading hubs. Dubai’s geographical proximity has established the Emirate as a hub for shipments between Asia, the Middle East and Africa.
A number of private companies are involved in the project, given their involvement in trade finance transactions. Dubai’s largest bank Emirates NBD is a part of the project, as is Spanish banking giant Banco Santander. UAE-based telecom provider ‘du’ is also participating, with a background in blockchain technology development through a recent healthcare initiative to store patient records on a blockchain shared between UAE hospitals. Freight forwarded Aramex, a major player in the logistics and shipping industry is also involved in the trade finance test, along with an unidentified international airline carrier.

The initiative will be led Dubai Customs, the official customs authority of the Emirate and Dubai Trade, an e-trade services hub, both of which are agencies of the Dubai government.

Bitcoin Acceptance by Merchants & Retailers Crucial for Mainstream Adoption




Bitcoin company executives and analysts including Irene Katzela, CEO of Chain of Points, firmly believe retailer and merchant adoption is the key to bitcoin mainstream adoption.
Since 2014, the bitcoin industry and market have seen a rapid emergence of bitcoin-accepting merchants. Companies like TigerDirect and Expedia have begun to offer bitcoin as one of their main payment methods.
Currently, bitcoin is perceived more as a store of value and a safe haven asset rather than an actual digital currency. Some bitcoin investors like Roger Ver argue that the development community of bitcoin must work towards transforming bitcoin into a settlement system and digital cash rather than digital gold.
While this approach isn’t necessary as bitcoin can be used as both a store of value or settlement system depending on certain users, it is important to understand that limited merchant adoption is restricting the mainstream adoption of bitcoin.
With the integration of various scaling technologies like Segregated Witness (Segwit) that are currently on the verge of activation, bitcoin blocks are set to see at least a 2.1x increase. Considering the average blocksize of 1 mb, a 2.1x expansion of the bitcoin blockchain will appropriately scale the network.
In contrary to what many investors claim, the expansion of bitcoin blocksize will not abruptly bring hundreds of millions users into bitcoin. The user base of bitcoin is not growing at linear rate. Instead, it is demonstrating an exponential growth rate as the digital currency is still at an early stage of adoption.
As Katzela emphasizes, it is important to persuade the general population and consumer base to utilize bitcoin by introducing its benefits and advantages over cash or other traditional forms of payments in existence. Some bitcoin platforms like Purse.io are already targeting the general population or mainstream users by offering 20% discount on products. Some individual merchants also provide special discounts to bitcoin users, as bitcoin significantly decreases credit card fees or financial service fees handled by merchants.
When a user tries to utilize bitcoin for the first time and sees that it is secure, fast, and cheaper than credit card payments or bank transfers due to a merchant’s effort in providing a discount or a special promotion in appreciation of lowered fees, the adoption rate amongst beginner bitcoin users will drastically increase.
“The savings on the merchant side are clear considering the fees incurred by using existing payment methods. An increasing number of merchants pass some of the cost savings onto consumers, in the form of discounts and incentives. As these cost savings continue, consumers will soon realize that virtual currency enables lower prices for goods and services,” said Katzela.
An increasing number of merchants are beginning to accept bitcoin as they’re seeing a significant decline in the volatility rate of bitcoin. The digital currency has been demonstrating stability over the past 12 months.
As Katzela explains, the number of merchants accepting bitcoin is increasing but the mainstream user base of bitcoin isn’t growing at a similar rate. Bitcoin-accepting merchants that aren’t taking a step further to convince mainstream users in using bitcoin will only appeal to existing consumer base of bitcoin.

“Aiming only to increase the number of merchants that accept virtual currency is only half of the equation for wide consumer adoption. Achieving greater consumer adoption equates making consumers feel safe using virtual currency in their everyday lives,” said Katzela.

Ads