Never Give Up On Your Internet Business

DSCF9585Does fear of failure keep you from starting exploring new ventures?
Have you ever asked yourself, why online success comes easily to other people, but seems to be eluding you all the time?
Have schemers driven you to the point of giving up?

My advice is short, sweet and to the point: You need to know that, it’s always too soon to quit! Remember quitters never succeed.

Successful people hang in there, they get back up when they fall and try again. You see, your friends who have become Online Success Stories didn’t throw in the towel and quit when the going got tougher, NO, No , No! They knew what they wanted in life and they wanted it badly enough to persevere through the desert, and what happened: They got to the other end. They paid the price and achieved their Online business dream. You CAN too ,only if you don’t quit on yourself and your internet venture.

Remember: It’s always too soon to give up. In other words, Never Give Up until you get the results that you after.
All the best!

Howard Mahere

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A Positive approach is a prerequisite for success

In the course of operating their businessess entrepreneurs meet challenging situations on a daily basis.  However, its how they react that determines their altitude.  It is very important for the business owner to know the value of challenges.  That challenges are meant to make us strong, many of the great achievers we see today turned obstacles into stepping stones and in the end became successful beyond measure.

Today, I have decided to share a story which I am sure will help to make us appreciate the role of obstacles in our different situations .  Lets learn to welcome challenges for our own growth.

Positive Approach

By: Author Unknown

A little girl walked daily to and from school.  Though the weather that morning was questionable and clouds were forming, she made her daily trip to school.  As the afternoon progressed, the winds whipped up, along with thunder and lighting.

The mother of the little girl felt concerned that her daughter would be frightened as she walked home from school, and she herself feared that the electrical storm might harm her child.

Following the roar of thunder, lightning, through the sky and full of concern, the mother quickly got in her car and drove along the route to her child’s school.

As she did so, she saw her little girl walking along, but at each flash of lightning, the child would stop, look up and smile.  Another and another were to follow quickly, each with the little girl stopping, looking up and smiling.

Finally, the mother called over to her child and asked, “What are you doing?”

The child answered, smiling, “God just keeps taking pictures of me”.

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Explained in 5 Minutes: Bitcoin The layman’s guide to Bitcoin and the Blockchain.

Photo by Thought Catalog on Unsplash

The one thing that makes economics hard to understand is that there is no such thing as money. Money is just an item for trade — valuable paper, or a valuable transaction. Nothing actually has a fixed or defined concrete value. Value is a completely abstract idea. A five dollar bill is literally just a piece of green paper. We’ve just inherently developed the idea of its value because we regularly trade it in for items we believe to be worth 5 dollars.

Background: Centralized Institutions


You may have heard about the 2008 financial crisis. What you probably don’t know is that the global financial impact was magnified by excessive risk taking by banks.

Banks, legally, were only required to actually hold 10% of your money in liquid assets. A liquid asset is anything that can be transferred easily: cash and stocks? Sure. But a house? Not exactly.

So every time you put in 10 million dollars in to the bank, they’d only have 1 million out of the 10 you gave them in cash. The other 9 they’d use for investing and other purposes — they’d put it in assets that would grow in value over time. The reason they’re able to give you back 5 million when you ask for it is because there’s some other guy who’s put 100 million in the bank, so the bank has that 10 million from that guy’s money to take from to give to you. At the point where they have less than 10% total, they’re required to liquidate (read: move to cash) enough of their assets to abide by the 10% rule. (Note: the legal requirement is that the bank must keep 10% of their total deposited assetsamong all their customers).

On a side note, if you’ve ever wondered why, this explains the reason why banks offer different types of bank accounts: checking accounts generally require high liquidity (because you need to withdraw frequently), so banks can’t take much and use it for investing; they need to keep it in cash. Savings accounts are for long term, so banks can use it for investing and to grow that money. It makes sense that banks want to incentivize customers to use these accounts more so that banks can invest more of this money — they do that in the form of higher interest rates for savings accounts and close-to-zero rates for checking accounts.

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So what happens when a lot of people want to pull their money out of the bank at once? Well, the bank can give the 10% they have, but often times, the other 90% isn’t very liquid and the bank has to say “Sorry, but we lost $90 million of your deposits. Here’s 10 million though, have a nice day!”

And then you have the Great Depression.

A bank is a centralized institution (you’re going to hear that term several times) that controls your money and could very easily lose a lot of it because it’s only required to hold 10% of all its deposited assets in liquid form.

Governments — Fiat Currency (read: literally just normal, regular currencies like the USD that are managed by a government)

When governments are incompetent or corrupt, like those of Zimbabwe and Venezuela, their currencies experience hyperinflation, tanking the value of currency and bankrupting the nation. The government prints more and more money, dramatically reducing the value of each unit of currency.

The US government wasn’t immune to this. In fact, in the first decade that the US dollar existed, it was more than 10 times more volatile than Bitcoin is right now.

Fiat currencies, like the dollar, can be printed and regulated and dictated by one authority — the government. When more money’s printed, the value of each unit of currency goes down — known to many as inflation. Current inflation rates are high, which means for every dollar you own in cash or the bank, the value of your money is going down.

Gold, however, doesn’t require a faith in government or authority. There’s a fixed supply of gold — a finite amount available in the world, and no central authority controls it. Nobody can influence how much gold there is in circulation — there just is whatever amount there is. More can be mined, but at some point all the gold available on the planet will be in circulation, and mining yields tiny amounts of it. Since nobody can just get gold out of thin air, it doesn’t inflate like fiat currencies.

So if gold is so perfect, why don’t we use it as a currency?

Imagine walking to Starbucks, gold nugget in pocket (probably pulling your pants up every five seconds because of the weight), walking up to the counter, and then shaving off exact measured amounts to hold onto value of the 5 cents of change for your latte. Not very efficient.

The government, like a bank, is a centralized institution that basically controls the value of fiat currency — the value of that currency is prone toinflation and loses value. Gold is decentralized but is impractical for daily currency.

Solution: Bitcoin

What is Bitcoin?

It’s literally just a digital version of gold (except better). Just like gold, no central authority controls the supply of it. So it can’t inflate like fiat currencies do.

There is sophisticated technology to control the supply of Bitcoin — it’s “mined” digitally, similar to gold.

And then some. Bitcoin, because of its digital form, can be transferred to anyone, anywhere, securely, in real time, in any denominations. No shavings or on-demand gold weighing scale necessary.

Sidenote: Bitcoin’s whitepaper is pretty informative and has a lot of good information beyond this article if you’re interested.


In cryptography, hash functions are often used to securely perform identity checks and transfer data. These hash functions are one-way functions: it’s easy to find the output for a given input, but it’s almost impossible to find the input given an output. These types of functions are useful for a variety of things; the most common use is for most login systems. An app or website never needs to store your actual password — this could prove a huge security risk. Instead, all they need to know is whether the password you enter when you try to log in is the same text as what they have on record when you signed up. So, instead, they could store the one-way hash as your password and then when you sign up and check if the stored hash and the login hash (of whatever text you type in when you try to log in) match.

Bitcoin, Ethereum, and all other cryptocurrencies are based on the blockchain, which is built on one-way hash functions.

The Blockchain

The blockchain is the backbone of the Bitcoin technology, and it’s quite literally what it sounds like — a digital chain of blocks. The blockchain is a ledger that contains a record of every transaction ever made with bitcoins since its inception. Each block holds information about transactions. There’s a network of computers on the blockchain, and each one of these computers holds its own copy of the entire blockchain.

When one computer on the network propagates a block to the network, each computer on the network will verify the identity of the computer and the validity of the block being pushed. If a majority of the other computers on the network accept the validity of the node and the block, the block officially gets pushed onto the blockchain.


These computers on the blockchain network are called “mining nodes.” These mining nodes are responsible for validating transactions, creating new blocks, and propagating them to the network.

As a reward for maintaining this blockchain network, these mining nodes are awarded a set amount of Bitcoin for each block they push.

The production of bitcoin is controlled by code that dictates you must find a specific answer to a given hashing problem in order for mining nodes to unlock new bitcoins: the mining node must find a hash that results in a new string with a given number of zeros at the beginning.

Each new block in the blockchain is based on all previous blocks; the set of all current blocks is hashed to a string of characters. For example, let’s say the hash of the current state of the blockchain is the string “0000abcd.” This tells us that the current “difficulty” of the hashing problem is 4, because the string starts with 4 zeros. To push the new block, we first append the hashes of the identifiers of transactions made by other people that we want to propagate, as well as the hash of the transaction identifier that gives the mining node Bitcoin— “trans1”, “trans2”, and “givemebitcoin.” Now our current string is “0000abcd-trans1trans2givemebitcoin.” Now we need to add a final piece, called a “nonce”, which will make the hash of the full string lead with the same number of zeros as the difficulty of the problem (4 in this example).

We first start with the nonce as “1”; chances are, you won’t get a leading zero in the hash. Then we try 2, 3, 4, 5, and so on. The mining node needs to brute force nonces until it gets a hashed string with the leading number of zeros equal to the Bitcoin mining difficulty.

This post and this article are extremely helpful for detailing the mining process.

The Bitcoin mining difficulty number is controlled by algorithms that assess how quickly Bitcoin is currently being mined and try to increase the difficulty so that a new Bitcoin is mined every ten minutes or so. Check out the current Bitcoin difficulty here.

It’s Still Young

Bitcoin is still a very young and early currency. While it’s true that not many places accept Bitcoin as payment, everything takes time. Time and patience.

Just a decade after its creation, the US dollar had already suffered inflation and collapsed. Bitcoin, on the other hand, is worth more than ever just 9 years after its inception, and currently boasts a market cap of over $40 billion.

It’s still volatile and a very risky investment, but in the long run, will prove extremely valuable.

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What I’m loving this week!

“The most dangerous question a prospect or customer asks is “Why should I?” And he may ask it more than once… The product and its communication stream must continue to provide him with both rational and emotional answers.”

— Lester Wunderman, marketing pioneer

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Another Top-5 Cryptocurrency Exchange Plots Move to Malta’s ‘Blockchain Island’

malta blockchain island cryptocurrency

Another day passes by and although August is a traditionally slow month in the business and finance circles, Malta does not seem to be resting on its laurels at all. After several announcements regarding cryptocurrency exchanges and crypto banks, we now have the announcement coming that, the world’s fith-largest cryptocurrency exchange by daily trading volume, is setting up shop on the sunny Blockchain Island. will set up its operations in Europe with the launch of a new exchange in Malta. The company, which is the world’s fifth-largest cryptocurrency exchange by traded value, will open an office in St Julian’s, a bustling business centre in the heart of Malta. This latest announcement follows those by Binance, OKEx and DQR, who have also opened offices on the island.

Parliamentary Secretary for Digital Economy and Innovation Silvio Schembri also tweeted about the announcement and told CCN that this was another link in the chain for Malta to cement its leading position in the cryptocurrency space.

Silvio Schembri@SilvioSchembri

The company will initially start out as a crypto-to-crypto exchange and will eventually look to offer fiat-to-crypto trading pairs through its new platform based out of the European island nation. This is the third exchange that is coming up with this proposition, after Binance and Bitbay.

“Malta is perhaps the world’s most progressive and forward-thinking nation in DLT, crypto and fintech, and we are very excited to be part of the Blockchain Island. We are confident we will be able to announce our live operations soon,” co-founder Jimmy Zhao said.

Other countries appear to be hesitant in the crypto space with several stalling on their regulation and implementation of crypto and blockchain companies. However, this does not seem to be the case in Malta, where the Virtual Financial Assets Act and two other crypto bills have sailed through the parliament. The bills are currently undergoing a consultation process, so there is still no tangible exchange which has started up yet since the blockchain laws will not come into effect until Oct. 1.

Zhao said he had recently been invited to Malta by his local partners and met with the Maltese government to discuss their crypto exchange operations. “You quickly realize Malta’s commitment to building and supporting the crypto ecosystem,” he added. regularly ranks among the five largest cryptocurrency exchanges in terms of daily trading volume, according to CoinMarketCap, trading an average of about $400m daily. The proprietary technology behind also supports several other top-tier exchanges such as is strictly a cryptocurrency exchange and does not offer any other type of tradeable assets. That being said, there are various markets in which these cryptocurrencies can be traded. For instance, traders can exchange cryptocurrencies against QCash (QC), tether (USDT), and bitcoin (BTC).

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What I’m Loving This Week!

“Don’t judge each day by the harvest you reap but by the seeds that you plant”.  Robert Louis Steveson

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Swiss Bank Maerki Baumann to Become Second in Country to Accept Cryptocurrency Assets

Swiss Bank Maerki Baumann to Become Second in Country to Accept Cryptocurrency Assets

The Maerki Baumann private bank will become the second Swiss bank to accept cryptocurrencyassets, financial news outlet International Investment reports August 6.

The private Zurich bank has decided to accept crypto assets from payments received for services rendered, as well as those earned from crypto mining, as a response to new market demands and the rise of cryptocurrencies’ popularity, International Investment writes.

Maerki Baumann noted that they are not ready to provide direct cryptocurrency investments, but will provide “experts” to clients interested in crypto investing. According to their statement, the bank “closely monitors the development” of crypto as an investment vehicle and its “underlying regulation,” noting

“We currently see cryptocurrencies as alternative investment vehicles, but we have limited experience and data (prices, volatility, trading volumes) available in our house.”

However, the bank does state that they “currently advise against larger investments in cryptocurrencies,” adding

 “Crypto currencies [sic] are not, in our estimation, suitable for long-term investment due to the uncertainties outlined above.”

Earlier this summer, the Hypothekarbank Lenzburg had become the first bank Switzerland to provide company accounts for blockchain and crypto-related fintech companies. Last year, the Falcon Private Bank had received authorization from the Swiss Financial Supervisory Authority (FINMA) for managing Bitcoin (BTC) and other cryptocurrencies based on blockchain technology.

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Digital money is coming:… I would hate to say, “I told you so”!


If you are NOT into cryptos (Cryptocurrency)  then you are seriously missing out… The FUTURE is here but you’re not on board yet.

Digital money is the way forward and you will find that all money will be digitalised soon.

We already have the following in place….




THOUSANDS and thousands of people have made so much money in Cryptos and I plan to join that enormous group.

I AM preparing for financial freedom… to pay my bills in lump sums on time … instead of struggling, making payment arrangements and missing payments, or barely saving and stressing out when major expenses occurred!

Would YOU rather sit back and watch other people do well in Cryptos or get involved??

Do a little homework HERE and join in with me to learn and earn!

YOU live one life… ❤️Love and live your life … LIVE abundantly 🙌🏼 and most importantly leave a legacy…

Your choice my friends …
go for the GOLD & CRYPTO.

Below is the link for the homepage, sign up for free, take a look around go through the 5 steps on your dashboard, You will be amazed at the amount of knowledge and tools at your disposal…….



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It’s never too late to be what you might have been but only if you take action here:
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Only a Matter of Time Before SEC Approves Bitcoin ETF: Tech VC

bitcoin etf matter of time

The market is rapidly approaching the point of acceptance for a bitcoin ETF, and the Securities and Exchange Commission (SEC) will eventually approve an ETF in the near future. This is the opinion of Fatfish Internet Group CEO, Kin-Wai Lau, speaking to CNBC last week.

According to Lau, what the market is experiencing is a “second wave rally” for bitcoin and cryptourrencies, a strong wave of demand driven by institutional investment entry and adoption. This he said, is generally a positive sign for early adopters and people with an interest in the sector. Going further, he also stated that the likelihood of the SEC approving a crypto market ETF is more a function of what organisation will successfully convince the SEC that it has the necessary tools to float an ETF.

He said:

“I think it’s a matter of time before we see the SEC approve an ETF. It’s just a matter of which organisation will be able to come out with comprehensive tools in terms of monitoring, surveillance, and ability to liquidity. there is a range of tools that need to be equipped, but it’s also readiness of the market. We’re not far away, maybe a couple of months away from the market accepting an ETF product. I think that’s what the SEC will be looking at.”

In Lau’s opinion, boosted bitcoin demand is being driven primarily by organic demand from everyday people around the world – a pattern that he says will not change in the run-up to the end of the year.

Responding to a question about what markers investors should be on the lookout for in terms of predicting bitcoin price movements, Lau stated that adoption, and not ETFs or other ‘abstract’ market instruments is what will substantially impact the asset price.

In his words:

“Adoption is what is driving the demand on ground. It’s being used widely in many countries and a lot of jurisdictions are starting to regulate it and approach it with a cautious but optimistic approach. That’s generally a couple of factors that will affect regulatory interest. It is geared up for a rally toward year end.”

CCN earlier reported that Crescent Crypto CEO Ali Hassan estimated the time frame for SEC approval for a bitcoin ETF at just about a year and a half from now.

This comes just a week after investment firm VanEck responded to the SEC’s concerns over crypto ETFs in a letter published on the agency’s website.

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Coinbase Brings Crypto Payment Option to Millions of Online Merchants

accept bitcoin coinbase woocommerce

Coinbase Commerce, a cryptocurrency payment provider, has announced a series of initiatives to support crypto commerce, including a WooCommerce plugin to give millions of merchants the option to accept cryptocurrencies, the ability to send bitcoin and litecoin directly, and other new capabilities. Coinbase believes the improved access will support adoption of cryptocurrency and a more open financial system.

The WooCommerce plugin, a WordPress e-commerce platform, currently supports more than 28% of all online stores, all of which now have the ability to accept cryptocurrency from customers worldwide, Coinbase noted on its blog.

Users can install the WooCommerce payment gateway from GitHub, from which they can download a zip file of the repository.

Plugin Easy To Install

Source: Coinbase

Coinbase earlier this year announced its plan to allow merchants to accept multiple cryptocurrencies within a user-controlled wallet. While the platform was designed to be a significant upgrade for merchants, it requires them to migrate to a new system, according to Reddit, which noted that some businesses — especially those with low cryptocurrency payment volumes  — could decide it is not worth the effort.

In March, Reddit, which began accepting bitcoin payments for its Reddit Gold subscriptions in 2013, announced it was no longer accepting bitcoin payments for its premium membership program after a user found she could not use bitcoin to gift another user a subscription. Reddit noted it was going to evaluate the demand and the progress of Coinbase Commerce.

Also read: ChainPay asks, ‘Why should just multinationals accept bitcoin?’ after bringing bitcoin to WooCommerce

Coinbase Offers Additional Functionalities

Coinbase, meanwhile, also recently began providing the functionality to allow users to send bitcoin and litecoin directly. The company also plans to introduce the functionality for bitcoin cash and ethereum.

Coinbase also announced that a “React” payment button can be installed on a website to enable cryptocurrency payments, whether the merchant wants to accept donations for an open source project or sell tickets to an event. The React payment button allows users to embed a Coinbase Commerce checkout within the React application.

Coinbase further announced a Coinbase Commerce API for Python library. The company will also provide client libraries for Ruby, PHP and Node.js.

All payments sent through Coinbase Commerce allow customers to send money directly from their crypto wallet to a merchant-controlled cryptocurrency address. Merchants do not incur transaction fees to accept payments and maintain full control of their funds.

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Bitcoin will eventually replace the U.S. dollar and all other fiat currencies. When this will happen, nobody knows. However, a recent UBS study concludes that for Bitcoin to replace the U.S. currency, it has to reach a value of about $213,000 USD.


Fiat money and traditional banking are a three-thousand-year-old concept and technology, which cannot efficiently support today’s economic model. Therefore, they have to be replaced by a neutral, borderless, and frictionless system, such as a decentralized peer-to-peer electronic cash system: Bitcoin.

According to the UBS report, Bitcoin needs to have a value of USD 213,000 to replace the U.S. dollar. In addition, Bitcoin needs to be “considered money or even a viable asset class.”

Granted, Bitcoin is not yet mature enough. It still requires a greater capacity for speedily processing high volumes of micropayments. In this regard, the UBS study states:

Our findings suggest that Bitcoin, in its current form, is too unstable and limited to become a viable means of payment for global transactions or a mainstream asset class.


However, contradicting the UBS report, there is the fact that Bitcoin is already an asset class, and it is being taxed as such.

Moreover, several financial experts and academics concur that Bitcoin is money. Wall Street giant Goldman Sachs told its clients so in a report entitled “Bitcoin is Money.”

On the other hand, new research from The Imperial College London and eToro confirms that Bitcoin fulfills the “store of value” role. This is one of the three main roles that cryptocurrencies must satisfy to function as money. Thus, the research paper notes, cryptocurrencies such as Bitcoin could be widely adopted as a form of payment within the decade.

The research paper entitled Cryptocurrencies: Overcoming Barriers to Trust and Adoption, specifies that cryptocurrencies need to fulfill three key roles to perform the inherent functions of money and achieve wide adoption: store of value, medium of exchange, and unit of account.

In this regard, Professor William Knottenbelt from Imperial College London and Dr. Zeynep Gurguc from Imperial College Business School, affirm,

Cryptocurrencies are already equipped to fulfill one of the three fundamental roles of traditional fiat money: acting as a store of value.

But to satisfy the remaining two roles, cryptocurrencies must first solve issues of scalability, design, and regulation. If cryptocurrencies can successfully address these issues, researchers say,

Given the speed of adoption, we believe that we could see Bitcoin and other cryptocurrencies on the high street within the decade.

The good news is that Bitcoin is already addressing its technical limitations, in areas such as scalability, fungibility, financial confidentiality, and privacy.

Specifically, technological improvements such as SegWit, Bulletproof, Lightning Network, and Atomic Multi-Path Payments over Lightning, and Bitcoin Core 0.16.0, are helping to solve Bitcoin’s scalability and security problems while reducing transaction fees.

Due to these advances in Bitcoin and other payment solutions, many predict the death of cash by 2020.

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NIKITA BLOWS | AUG 03, 2018 | 05:00

Enjoying the beautiful coastal state of Queensland in Australia just got easier for cryptocurrency holders. More and more merchants in the area are accepting virtual currencies as payment and in doing so, are assisting the state in growing its tourism sector.

Whether you’re getting geared up for the Great Barrier Reef or hoping to veg out on Vegemite, Australia is the country for you. Along with all of the beautiful views and unforgettable scenery, the land down under is hoping to add another attraction – cryptocurrency acceptance.

According to Finder, one of the country’s most popular states, Queensland, is ready to turn interest and intrigue into adoption with the help of TravelbyBit. The platform, which has the support of the Queensland government, makes it possible for merchants to accept cryptocurrency as payment. In addition to Bitcoin, customers can currently pay for their goods in Litecoin, Dash, Ether, and XEM.


Retailers in the state are not the only ones who benefit. Travelers coming into Australia, or locals who want to explore the world, can make use of the platform’s services to assist in booking their dream holiday.

TravelbyBit made headlines earlier this year when they collaborated with Brisbane Airport to allow a number of stores and restaurants in the terminal to accept virtual currency payments.


With a cash injection of just over $75,000 from the state’s government, TravelbyBit hopes to extend their reach to many other merchants within Queensland with an initial focus on the city of Bundaberg. Known for its Bundaberg Rum, as well as its Bundaberg Distillery, holders will be able to pay for their brew in cryptocurrency.

In showing its support, the state’s Minister for Innovation and Tourism Industry Development and Minister for the Commonwealth Games, Kate Jones, said:

TravelbyBit has devised a clever way to make it easier for visitors to our state to pay for their purchases with a growing number of local businesses accepting cryptocurrency payments. I understand TravelbyBit is specifically targeting places like Bundaberg – using cryptocurrency to make it easier for tourists to book holidays.

The funding is part of the state’s Advance Queensland Ignite Ideas initiative which aims to promote tourism and job creation in the state by providing financial support to entrepreneurs and start-ups.

TravelbyBit made headlines earlier this year when they collaborated with Brisbane Airport to allow a number of stores and restaurants in the terminal to accept virtual currency payments.


This ability to create an easier travel experience for people is a highly important selling point. By using virtual currency, travelers won’t have to worry about exchange rates or finding innovative ways to conceal their local fiat currency. Travelers will also be able to explore unencumbered by dubiously fashionable fanny packs stuffed with Australian dollars.

TravelbyBit’s founder and CEO, Caleb Yeoh, discussed what the government’s funding would assist with:

With this next phase of technology, we are targeting a different brand of tourist – the tech-savvy traveller from anywhere in the world who are looking to book their travel experiences ahead of their trip and use digital currency to pay for their travels. They can now pay with Bitcoin, Litecoin, Dash, Ethereum, XEM and soon, BNB.

Yeoh went on to add:

We have more than 150 merchants across Australia using our system and this funding, [which will help] to develop a purpose-built platform that will accept digital currencies from anywhere in the world, will allow us to add jobs not only directly to our team but also across the broader tourism industry.

This is, of course, not Australia’s first foray into this revolutionary industry. The country has recently partnered with tech giant, IBM, the latter of which will provide a range of services, some of which rely on blockchain technology.

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