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Paul Veradittakit. It has been an eventful year, to say the least. In terms of blockchain and crypto, we saw several key developments: the halving of Bitcoin, liquidity mining and the explosive growth of several decentralized finance DeFi applications, stronger tools for blockchain interoperability and much more.
As begins and the globe slowly eases its way out of the COVID pandemic and associated market fluctuations, I look forward to seeing even more growth in the innovation, widespread use and diverse impacts of blockchain technologies. The space is becoming simultaneously more complex and more accessible, broadening the horizons for what the crypto community can achieve in building decentralized, user-first financial systems. Here is a review of my predictions from last y ear. In April, the association announced it would make key modifications to its architecture to address some of the main regulatory concerns brought against it.
The governing association also renamed the project from Libra to Diem, and the wallet was renamed from Calibra to Novi. Most recently, key individuals in the initiative claimed that the platform could launch as early as January Additionally, with the groundbreaking federal antitrust lawsuit against Facebook, Instagram and WhatsApp, the project is likely to get significantly more attention in the months ahead.
There was a muted reaction to the halving event: A few days after, the price even dropped a little. See also: Bitcoin Halving, Explained. Many game developers still face a great deal of technical friction in terms of building on chain, due to its complexity and often slow runtime.
Still, the interest in the concept has not subsided. Many game creators are exploring how non-fungible tokens NFTs can be used as valuable digital assets in games. Several studios, including Pixelmatic, Ubisoft and Atari have all claimed that blockchain technologies could play important roles in their games in the future, and are beginning to actively explore the concept. As of today, one of the most promising and well-known blockchain games is The Sandbox , a game kind of like Minecraft where users can monetize digital assets via the blockchain.
The Sandbox has already announced partnerships with major game developers including Atari and Square Enix. If nothing else, was the year of DeFi. One of the biggest trends of the year, undoubtedly, was liquidity mining. Over time, due to lots of interest, this governance token increases in value, often generating immense returns for liquidity-supplying users and incentivizing them to keep supporting the DeFi protocol.
This year governance tokens for Compound, Balancer, Yearn. Finance and many more launched and exploded in value. Interestingly, MakerDAO continues to be the platform with the most value locked in, though that first-place position was usurped several times over the year by Compound and other platforms. Users are beginning to reap the benefits of a decentralized, community-owned financial system.
While we may have not seen any significant launches in central bank digital currencies CBDC in , the space definitely saw a lot more interest as more governments, banks and research institutions explore how crypto can enhance our financial system. Federal Reserve collectively published a report outlining the key features necessary in a successful, feasible CBDC.
The Federal Reserve also has been actively working towards the development of a digital dollar. This year saw the launches and announcements of several key infrastructural projects within the blockchain space that will enable a great diversity of decentralized applications in the future.
Other Web 3. Given the generally growing interest in decentralized applications overall, I hope to see more developers take advantage of these technologies to reduce the complexity of building dapps and expanding their use cases.
In general, throughout we saw less public attention and debate on regulating crypto, likely because government financial institutions were likely focused on other areas rightly so , due to the implications of the pandemic. However, several government agencies made key regulatory actions throughout that demonstrate how they are thinking more seriously about cryptocurrency and the role it plays in the modern American economy.
Most of these sanctions and penalties are targeted around initial coin offerings ICOs and gray areas around whether certain tokens should be deemed securities or commodities. Here are seven areas where I expect to see lots of promising innovation and growth throughout Payment giants like PayPal and Square are making it easy for everyday users to purchase bitcoin and institutional investors are showing more interest than ever.
As mentioned above, several governments and cross-governmental agencies demonstrated a serious commitment to exploring how CBDCs can better support economies, via pilots and in-depth case studies.
In Japan, 30 banks are already investigating a digital currency offering, and the country may even see a full public rollout in itself. The Bank of England also continues to investigate applications for CBDC in retail, and could begin pilots next year as well. In , we saw a ridiculous fold increase in the value locked in DeFi protocols. Much of this growth was driven by the trend of liquidity mining, kick-started by some key players like Compound and Balancer, where protocols incentivized users to supply liquidity in exchange for governance tokens that appreciated quickly over time.
The community also saw a trend of developers forking existing protocols and platforms to build ones for more custom use cases or enhanced decentralization and privacy. The incredible capitalization of these existing platforms could also set them up to support more unique functionalities, including larger loans, differentiated lending products and more. Even the harshest critics of cryptocurrency and digital currency are beginning to see the immense value that can be generated by these technologies.
The explosive growth on DeFi protocols itself is too strong of an argument to reject. In Latin America and Southeast Asia , more and more people are using cryptocurrency to settle regular, everyday financial transactions.
Additionally, as the community comes up with better primitives, tools and abstractions for building dapps, developers will be able to position these tools in more appealing ways to everyday consumers.
Given the convergence of all these factors, could be the pivotal year for driving mainstream crypto adoption. As crypto becomes more mainstream, it becomes a more important issue for regulatory agencies to focus on. The vast majority of crypto regulation thus far has been centered around distinguishing securities from commodities and ensuring that tokens follow appropriate guidelines per SEC and CFTC rules. Not as much work has been done on crypto as an everyday store of value, and how stablecoins and other digital currencies can be used for retail, compensation and more.
Governments are interested in how crypto transactions would affect taxes , especially demonstrated by the U. Internal Revenue Service's inquiry into digital financial activities. Above all else, the growing interest in using cryptocurrency, not exclusively as a means for trading, lending or investing, but as a literal replacement to cash and credit in our everyday financial activities will necessitate much more regulatory work from key agencies in Coinbase looks set to go public in Along with Coinbase, several other prominent crypto companies have reached " unicorn" status , including Circle, Binance and Ripple.
Beyond the pure financial value that can be generated by decentralization and cryptocurrency, large financial institutions are also beginning to see significant potential in the underlying blockchain technologies and some key ways they could support existing financial systems. Digitizing bookkeeping using blockchain and cryptography could make things significantly cheaper and more secure. Using cryptographically verifiable keys can provide a more trusted record of ownership, and digitization also naturally leads to faster workflows and more automations.
Such a change is likely to be slow, because it challenges a longstanding paradigm within the financial industry, but it definitely generates a significant amount of value for the space and banks are beginning to keep their eye on it.
Year in Review is a collection of op-eds, essays and interviews about the year in crypto and beyond. The leader in news and information on cryptocurrency, digital assets and the future of money, CoinDesk is a media outlet that strives for the highest journalistic standards and abides by a strict set of editorial policies.
CoinDesk is an independent operating subsidiary of Digital Currency Group , which invests in cryptocurrencies and blockchain startups. As part of their compensation, certain CoinDesk employees, including editorial employees, may receive exposure to DCG equity in the form of stock appreciation rights , which vest over a multi-year period.
This post is part of CoinDesk's Year in Review — a collection of op-eds, essays and interviews about the year in crypto and beyond. Paul Veradittakit is a partner at Pantera Capital. Bitcoin halving. DeFi growth. Central bank currencies.
Infrastructure and Web 3. Regulatory hurdles. Looking ahead. Bitcoin will continue to grow immensely in value and popularity, as the original flagship cryptocurrency. Governments will be exploring central bank digital currencies more seriously, and we may see a launch in DeFi will continue to explode in value.
Crypto will begin to see widespread mainstream adoption. Private assets will slowly start to go digital. Final thoughts. Subscribe to Crypto for Advisors, our weekly newsletter defining crypto, digital assets and the future of finance.
Meta launches Novi crypto wallet on WhatsApp in the US
As you may see on this sequence, customers within the trial will have the ability to shortly and simply switch funds — charge free — by way of Novi on WhatsApp, basically serving as a broader proof of idea take a look at of the method. An preliminary pilot of the Novi digital pockets was launched amongst a small group of customers within the US and Guatemala back in October , enabling customers to ship and obtain cash between the 2 areas. That first actual take a look at of the system supplied a variety of insights for the Novi group — as defined by Kasriel :. We regularly hear that folks use WhatsApp to coordinate sending cash to family members, and Novi permits individuals to try this securely, immediately and with no charges. This can be a key use case for Novi, enabling customers, significantly these in creating markets, to ship remittance transfers within the app, like sending a refund residence to household from different areas. Remittance is a key component for the Indian market, with Indian residents transferring extra funds by way of remittance than anyone else in the world.
Blockchair News Aggregator allows you to stay on top of all crypto-related news, in just one place. News Aggregator brings you news in 11 languages from more than biggest crypto media platforms. The Venezuelan Government has approved a new tax that would affect transactions made in foreign currency and cryptocurrency transactions. Go Fund Yourself using Bitcoin, this slogan has been at the core of a recently launched campaign on Tallycoin. The cryptocurrency community has been discussing a newly announced bitcoin miner called the Numiner NM that claims to produce speeds. Bitcoin development in Africa, with a proper regulatory environment, could equally accelerate the continent and the technology. Future and current decentralized projects need to consider utility and ease of accessibility in order for DeFi to survive the.
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Meta's crypto project Novi announced today that a "limited number of people in the U. Novi is Meta's—formerly Facebook's—cryptocurrency wallet. There's a new way to try the Novi digital wallet. Starting today, a limited number of people in the US will be able to send and receive money using Novi on WhatsApp , making sending money to family and friends as easy as sending a message.
Facebook To Pilot WhatsApp Crypto Payments
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Meta's Novi, WhatsApp to Trial In-App Stablecoin Payments in US
Novi, the digital wallet created by Facebook, is coming to market. LoginID works with crypto exchanges and digital wallets to provide FIDO2 certified strong customer authentication and payment authentication for their users. Fraud prevention has become a priority in the space and LoginID's authentication platform is perfect for protecting your digital wallet. Simon Law: My thought is that any of these payments or digital wallet systems is the last mile. It depends on if it is targeted for more advanced payment ecosystems. In the case of transferring to the US or to another more advanced payment ecosystem, then it still needs to convert to a visa or mastercard transaction at the point of sale or some kind of local debit network. The concept is great and I think this is the right direction, but I think ultimately at the last mile again that problem needs to be resolved.
The buyer enjoys a credit limit and can pay his bills later within a specified interest-free period. Kueski, one of the largest buy now, pay later BNPL and online consumer lenders in Latin America, today announced the appointment of Krishna Venkatraman as the company's chief data officer. The team at BingX is not resting on their oars by delivering the best experience to crypto enthusiasts across the globe with the recent announcement of the availability of 10SET, Merit Circle MC , Unifty, and Decentralised eternal virtual traveller for spot trading.
Buy altcoins instantly Altcoins are cryptocurrencies other than Bitcoin. Altcoins share characteristics with Bitcoin but use a different consensus mechanism to produce blocks or validate transactions. Or, they distinguish themselves with smart contracts or lower transaction fees. Major cryptoassets by percentage of total market cap. The above graph shows the individual proportions of the largest ten cryptoassets relative to the total market capitalization of all assets. We describe the assets tracked in this chart as cryptoassets because it includes tokens and stablecoins.
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WhatsApp has launched a cryptocurrency payment feature for users in the United States by integrating the digital wallet Novi, owned by Facebook, now known as Meta. Following a pilot scheme that started in October, Meta announced the full adoption of the feature on Thursday this week. There are also no limits on how frequently users can send money.