Charged with crypto ransom, The dark allure of crypto-currency

 Six accused of abducting Chinese national with four others at large

SEPANG: A married couple and four others have been charged with kidnapping a Chinese national last month and demanding a ransom of USDT1mil (RM4.44mil) in cryptocurrency.

Chen Jun Hiong, 28; Law Han Wei, 28; Dhinnesh Tan Kin Yuan, 29; Jong Li Jiat, 25; and husband and wife Loh Wei Jian and Wong Xiao Yen, both 29; pleaded not guilty to the charges before Sessions Court judge Amir Affendy Hamzah here yesterday.

According to the charge sheet, the six, along with four other individuals still at large, are accused of wrongfully detaining the Chinese man for a ransom amounting to USDT1,007,696.

USDT is the symbol for Tether, a cryptocurrency that is pegged to the US dollar.

The offence was allegedly committed at the Cyberjaya exit of the Maju Expressway (MEX) on July 11 at about 11am.

The charges under Section 3 (1) of the Kidnapping Act 1961, read together with Section 34 of the Penal Code, provide for a minimum prison sentence of 30 years or a maximum of 40 years and caning, if convicted.

The prosecution was handled by deputy public prosecutor Mohamed Wafi Husain while the accused were represented by counsels G. Freda Sabapathy (Chen), Mohd Zali Shaari (Law), Nur Aminahtul Mardiah Md Nor (Tan), P. Haresh (Jong) and Bernard Francis (Loh and Wong), Bernama reported.During the proceedings, Mohamed Wafi did not propose any bail as the offence is non- bailable.

However, each defence counsel requested bail for their client, which the court rejected.

“After considering all arguments and the nature of the charges, the court has decided that bail will not be granted,” the judge said, setting Oct 8 for the submission of documents.

Earlier this week, it was reported that police are still tracking down four more suspects believed to have been involved in the kidnapping near the MEX toll plaza, Cyberjaya, on July 11.

Selangor police chief Datuk Hussein Omar Khan confirmed that the four suspects – three men and a woman – were part of an 18-member gang responsible for planning and executing the kidnapping.

They are believed to still be in the country.

On Aug 3, police shot and killed four suspects in a shootout in Skudai, Johor. The suspects were also believed to be involved in the kidnapping case.

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The dark allure of crypto-currency 

PETALING JAYA: Anonymity, speed and global accessibility are some of the reasons why cybercriminals prefer to demand ransom to be paid in cryptocurrency, say criminologists.

Financial forensics expert Raymon Ram said unlike traditional financial systems, cryptocurrency transactions can occur without intermediaries.

“The irreversible nature of these transactions ensures that once the ransom is paid, victims cannot recover the funds, offering criminals a level of security,” he added.

Raymon also said that by using digital currency, criminals such as kidnappers could easily launder the ransom money by leveraging on the pseudo-anonymity and decentralised nature of cryptocurrency systems.

“After receiving the ransom, typically in popular cryptocurrencies like Bitcoin or stablecoins like USDT, criminals often employ tactics such as mixing services and chain-hopping.

“Mixing services obscure the transaction trail by blending the ransom with other funds, while chain-hopping involves converting the cryptocurrency across different platforms and coins, making it harder to trace.”

Raymon said enforcing strict identity verification and transaction monitoring can make it harder for criminals to launder their illicit gains.

Criminologist Datuk Seri Dr Akhbar Satar agreed, saying that using cryptocurrency as ransom has been some criminals’ modus operandi as it would be harder for authorities to trace them.

Akhbar, who is also Malaysian Association of Certified Fraud Examiners president, said that the recently gazetted Cyber Security Act 2024 would also help in enhancing resilience against emerging threats involving cryptocurrency.ttps://dai.ly/x942lqg

Luno on a growth trajectory

 

PETALING JAYA: The four-year cyclic bitcoin halving event and fresh liquidity, especially institutional money, have driven the cryptocurrency market to fresh highs this year upon gaining more acceptance as an alternative asset class, albeit being a far more volatile one.

But as the drums of war got louder in the Middle East early Sunday, bitcoin was the first to reflect investor sentiment, falling some 9.9% or US$6,714 to a low of US$61,231 before fresh buying saw it trading at US$64,246 as at press time.

The fresh buying is a clear indicator that the crypto market is maturing, said Scarlett Chai, country manager of Luno Malaysia, as it now has made its way to institutional investors via centralised asset fund managers from being an asset class that was previously exclusive to the decentralised community.

The halving event, which is due to happen this week on April 19-20, could also provide price support. Historical data has shown that price corrections typically happen two years after every bitcoin halving, as this trend has been visible in the past three halvings.

However, this cycle looks very different to previous cycles with bitcoin reaching all-time highs near the halving for the first time in its history and with prospects of war as a headwind or even a tailwind.

“It is difficult to ascertain the scale of the upcoming halving’s impact on bitcoin prices. We need to understand that the crypto market, specifically bitcoin, is now different following the inflow of institutional investors. This new liquidity via exchange-traded funds (ETFs) might put the market on a new course,” Chai told StarBiz.

She added that with gold recently breaking its all-time high and should bitcoin be viewed as digital gold, they might share a similar momentum.

Scarlett Chai, Luno Malaysia Country Manager

For some the fresh liquidity, estimated at US$13.8bil year-to-date, and the halving event could be more oxygen to a bubble, which could all end badly with systemic implications to the global financial system.

“The anticipated halving and the increased cash inflow, particularly after the ETF, has driven up cryptocurrency prices. There is little doubt that there is a bubble as there is no intrinsic or underlying value.

“This may simply be a modern version of the Tulip mania,” warned Obiyathulla Ismath Bacha, professor of finance at the International Centre for Education in Islamic Finance.

Nevertheless, with cryptocurrency gaining traction in Malaysia, Luno has recently launched its staking option on its trading platform.

Chai said the latest feature on its mobile application platform called staking was something its Malaysian clients had been asking for.

“We are the first regulated exchange to bring staking here. We launched last year and it was a long-awaited feature for the local market. Staking using ethereum is now available and we know it is suitable for the current Malaysian market,” she says.

Chai explains staking is locking up a certain amount of cryptocurrency, in this case ethereum, on the platform while allowing it to participate in a blockchain network. This also means that one’s stake grows and rewards are compounded.

“It’s just like having an asset, you can either hold on to it or lock it up so it grows. Locking it up will help the digital system, which is a computer-based network, become more secure and functional,” she said.

While the coins are being staked, users cannot sell or remove their coins but Luno will allow them to “unstake” from their wallets.

Chai added it took some time for this feature to be approved by the regulatory boards and the group is looking at launching a second coin for this feature.

“We are on track for the launch of a second coin and we believe staking should be made available for more asset classes. With all our features, we aim to make it safe and simple to participate in the cryptocurrency industry,” she said.

Luno Malaysia currently offers an instant buy-and-sell option or an exchange programme, both with distinctive features to suit a user’s risk appetite for investment.

Chai said there are 11 digital assets that have been approved by regulators and using the platform has been made easier and more seamless.

“Users can now use Touch ‘n Go, bank transfers or even FPX to choose which coin they would like to transact from as low as RM1. Then we have the exchange, which is for more sophisticated users, those that know how to read charts to study pricing and are familiar with market trends,” she said.

Chai points out that despite initial concerns on data privacy and the volatility of the cryptocurrency world, the industry has been very popular in Malaysia.

“So far, we’ve got some 840,000 users on the platform. Luno has been around since 2015 but in 2019, we relaunched ourselves in the market under the purview of the Securities Commission’s (SC) guidelines,” she said.

This means there are hard guidelines on how the platform can operate and Luno is answerable to authorities should any concerns arise.

Chai stated last year was a strong learning curve for the group as it showed the crucial role it could play in allowing users to invest in digital assets.

“It became important for us to address and create awareness on scams or “too-good-to-be-true” offerings. And because of this financial literacy is really vital,” she said.

Luno Malaysia has participated in various community events like exhibitions and campaigns where the need to create a better understanding on digital wealth management comes up.

“We look forward to participating in more national scam campaigns with financial institutions and such for educational purposes. We have even been in universities to speak to students and how they can avoid scams,” Chai said.

The most active group on the platform are aged between 30 and 49, Chai notes, because they have higher disposable income, but Luno has seen an increase in downloads and participation by those in the 20 to 29-year age range.

“This is their domain, and Luno targets audiences that are interested in investment and are retail-focused. In the next couple of years, we hope to hit one million users on our platform,” she said.

Meanwhile, Chai noted digital wealth management is just another form of investing, same like bonds or stocks.

“We are moving into an era where there is a blend of traditional finance and digital assets, as more markets worldwide regulate crypto and are catering to people who want to diversify more,” she said.

One piece of advice Chai gives is always start small, make yourself aware of what’s out there and be ready to put in what you can afford to lose.

“With every form of investment, the risk of losing is there. People adjust their portfolios to meet their personal strategy. Never go into an investment without a strategy, because then, you’d be basing it on your emotions and that is not how it should be done,” she advised.

In 2024, Luno users can look forward to more coins being added on the platform, subject to regulatory approval of course.

“We added two coins last year and we are looking at adding another five. We work closely in collaboration with the SC and will continue on that journey with them as we bring more offerings to people in Malaysia,” Chai said.

On top of that, with the aim to maintain the highest levels of security, Luno has introduced monthly proof of reserves reports.

Through this process, the exchange ensures each customer’s assets are maintained on a one-to-one ratio on the platform, illustrating that customer-stored digital assets match with the balance in their Luno wallets.

Chai said as there was no regulatory obligation to publish proof of reserve reports, the group saw an important step to build trust in the crypto space.

“Luno’s 12 million global customers – with over 840,000 of those in Malaysia – can be rest assured that their wallets do contain the crypto stated.”

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Singapore big dreams of becoming a global cryto hub

Singapore plans to emerge as key player

Easing restrictions: A representation of the virtual cryptocurrency bitcoin. The Monetary Authority of Singapore is against clamping down on crypto. — Reuters

 SINGAPORE: Singapore is seeking to cement itself as a key player for cryptocurrency-related businesses as financial centres around the world grapple with approaches to handle one of the fastest growing areas of finance.

“We think the best approach is not to clamp down or ban these things,” said Ravi Menon, managing director of the Monetary Authority of Singapore (MAS), which regulates banks and financial firms.

Instead, MAS is putting in place “strong regulation”, so firms that meet its requirements and address the multitude of risks can operate, he said in an interview.

Nations differ vastly when it comes to how they handle crypto: China has cracked down on large amounts of activity in recent months, Japan only recently allowed dedicated crypto investment funds – though El Salvador has embraced bitcoin as legal tender.

In the United States, while there are an abundance of options for investing in the burgeoning asset class, regulators are concerned about everything from stablecoins to yield-generating products.

“With crypto-based activities, it is basically an investment in a prospective future, the shape of which is not clear at this point,” said Menon, who has helmed the MAS for about a decade.

“But not to get into this game, I think risks Singapore being left behind. Getting early into that game means we can have a head start, and better understand its potential benefits as well as its risks.”

The stakes are high for the small island nation, which has already earned a reputation as a global wealth hub. Singapore must raise its safeguards to counter risks including illicit flows, Menon said.

The city state is “interested in developing crypto technology, understanding blockchain, smart contracts and preparing ourselves for a Web 3.0 world,” he said, referring to the third generation of online services, which will be a key theme during the Singapore Fintech Festival that MAS will host next week.

Menon acknowledged that banks and other financial institutions will face certain challenges with the decentralisation of finance. Still, Singapore wants to be “well positioned” for 2030 when “an economy of tokenisation” may come, he said.

Singapore isn’t the only place with crypto ambitions. Locations as diverse as Dubai, Miami, El Salvador, Malta and Zug in Switzerland, are also making efforts.

It can be a fine line to tread, given the crypto industry grew up with few regulations, so many players balk at government officials’ attempts to impose guardrails.

Singapore’s approach has attracted crypto firms from Binance Holdings Ltd, which has had a series of run-ins with regulators around the world, to Gemini, a US operator targeting institutional investors, to set up base.

Some 170 companies applied for a MAS licence, taking the total number of firms seeking to operate under its Payment Services Act to about 400, after the law came into effect in January 2020.

Since then, only three crypto firms have received the much-coveted licences, while two were rejected. About 30 withdrew their application after engaging with the regulator. 

Among those approved is the brokerage arm of DBS Group Holdings Ltd, Singapore’s largest bank, which is also a pioneer in setting up a platform for trading of digital tokens while offering tokenisation services.

The regulator is taking time to assess applicants to ensure that they meet its high requirements, Menon said. The MAS has also boosted resources to cope with high volumes of prospective services operators, he said.

“We don’t need 160 of them to set up shop here. Half of them can do so, but with very high standards, that I think is a better outcome,” he said.

Menon said the benefits of having a well-regulated local crypto industry could also extend beyond the financial sector.

“If and when a crypto economy takes off in a way, we want to be one of the leading players,” he said.

“It could help create jobs, create value-add, and I think more than the financial sector, the other sectors of the economy will potentially gain.” — Bloomberg

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Representations of cryptocurrencies Bitcoin, Ethereum, DogeCoin, Ripple, Litecoin are placed on PC motherboard in this illustration taken, June 29, 2021. REUTERS/Dado Ruvic/Illustration

  

 Dr Tan says the forum is meant to assist the public with the best investment strategy

 Guidance on investments

Experts to speak on  Cryptocurrency at online forum on Nov 6

TWO experienced financial professionals will share their thoughts and analyses at the ‘Investment and Cryptocurrency’ online forum on Nov 6, 2021.

One of them is German-born Mustafa Aydemir who is a senior investment analyst at Saturna Fund Management Company.

He is one of the fund managers licensed by the Securities Commission Malaysia.

Besides being familiar with conventional financial investment, he is also good at Islamic financial investment.

Another speaker is Edgar ‘Jobe’ Gasper, the chief operating officer of SINEGY involved in digital asset trading, which is legal and approved by the Securities Commission Malaysia.

He has extensive practical experience in digital transactions, blockchain technology and cryptocurrency mining operations.

Both of them will conduct in-depth sharing of investment knowledge at the online forum organised by the Malaysian Financial Planning Council (MFPC) Penang Chapter from 9.30am to noon.

MFPC Penang Chapter chairman Dr Tan Chuan Hong said the forum was meant to assist the general public and retail investors to ride out the pandemic crisis with the best investment strategy.

Citing a report from the Malaysian Institute of Economic Research, he said the Government had been utilising large-scale borrowing to assist civilians and small medium enterprises as well as boost the economy since the country was hit by the Covid-19 pandemic almost two years ago.

“This has resulted in a rising debt ratio.

“Up to June this year, the debt ratio exceeded the statutory 60%, reaching 61.1%.

“This has created a lot of concern on whether Malaysia can rapidly recover from this economic crisis.

“Can our stock market this year perform like it did last year when it soared by more than 10% again in just two months? Or is it the end of the bear market?

“To make wise investment decisions, investors need time to collect and analyse the information cautiously,” he said.

Dr Tan said that many still needed more proper education about cryptocurrency investment.

He said many Malaysians had been scammed and lost their money due to inaccurate information obtained online.

“Cryptocurrency investment is originally a high-risk and high-return investment tool.

“Therefore, investors who are blinded by greed for high returns often suffered huge losses,” he said.

On the same day, MFPC executive director Chung Kar Yin, Universiti Sains Malaysia School of Management dean Prof Dr Noor Hazlina Ahmad and Tunku Abdul Rahman College Penang Branch Campus head Assoc Prof Dr Toh Guat Guan will also hold a brief sharing session.

Participants have to fill in the online evaluation form after the session to obtain a certificate of participation and 3CPDs.

Those interested can register online for free.

The public registration link is https://1st.mfpc.org.my/PublicEventRegistration/302 and the MFPC members registration link is https://1st.mfpc.org.my/.

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Digital asset exchanges continue to thrive

 About 300,000 new accounts created to date

KUALA LUMPUR: Despite market uncertainties following the Covid-19 pandemic, about RM16bil worth of digital assets and cryptocurrencies have been traded in Malaysia between October 2019 and September 2021.

Securities Commission (SC) chairman Datuk Syed Zaid Albar said digital asset exchanges in the country would continue to thrive this year, with about 300,000 new accounts created to date.

“Investor participation in alternative and digital platforms continues to be robust. New digital investment management (DIM) entrants have contributed to the segment’s assets under management growth.

“In fact, compared to last year, our eight licensed DIM holders have opened 90% more DIM accounts from January to July this year,” he said at the SCxSC Fintech Conference 2021.

In addition, Syed Zaid said the increased demand for online brokerage services resulted in close to 35% increase in new accounts opened as of July 2021.

Given the positive developments, he expects the industry to maintain the encouraging growth performance this year.

Meanwhile, Syed Zaid disclosed that equity crowdfunding (ECF) and peer-to-peer (P2P) financing platforms have raised about RM1.3bil since April last year, given the funding needs of micro, small and medium enterprises (MSMEs).

Citing data, he said about RM625mil funds were raised through ECF and P2P in the first half of this year, an increase of 151% and 220%, respectively, from a year ago.

Both platforms attracted young investors, with 60% of participants aged below 35.

Since their inception, 21 ECF and P2P financing platforms have raised about RM2.2bil for nearly 4,000 MSMEs.

Moving forward, the SC said fintech could be the crucial enabler in helping the country to recover as the pandemic had an adverse impact on businesses.

“The SC would seek to drive greater adoption of digital capability to enhance capital formation efficiencies and increase investor participation in the capital market,” added the regulator. 

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https://youtu.be/jUizqgum4Gg

  

 

 

 https://poldings-tration.com/click

It’s finally happened. A major worldwide government has just bestowed a huge vote of confidence and legitimacy onto the world of cryptocurrencies. China, in an unprecedented move, just announced that they are officially adopting a certain cryptocurrency as China's official coin!

The government of China just informed that they have chosen a preferred firm for the purchase and marketing of their new coin - YuanPay Group. The sales of China's coin officially started Juny 12 of 2021 and currently these coins can be bought only from YuanPay Group. 

 In fact, China deputy minister of finances, Liu Kun, informed that their new official coin stating price is just CNY 0.12!

! 1 Chinese Yuan equals 0.13 EUR

That’s right, the coin is incredibly inexpensive in comparison to most other coins out there. Bitcoin, for example, trades at CNY 65,366.84 at the time of this writing and Ethereum trades at around CNY 1,362.76.

We were able to get Sir Richards Bronson’s thoughts on China’s new coin and this is what he had to say: 

 Sir Richard Bronson stated (pic): "Everytime a major corporation announces even a small partnership with an individual cryptocurrency, that coin’s value skyrockets. I can't wait to see what is going to happen when a government officially adopts a crypto. When the name of China’s coin is released, many people will become millionaires practically overnight."

A few of us at forbes were curious enough to buy a couple coins just to see how everything looks and what the reading fees are like.

It was fairly easy to get the coins, but i will show you the whole process below for those that are interested.

First step was to fill out all the details. As you can see, nothing complicated so far.

 

Second step, I was taken to YuanPay Group's wallet, where they chose my country specific broker to buy China's coins.

 

Third step, I was taken to purchase page and had to fill out my details.

 

For CNY 1,921, I received 21,375 coins at CNY 0.12 cents each. You can see current value of my coins on the same page.
PS: As an early investor they gave me 5,367 extra coins for free!

The whole process was simple and I even received a phone call from one of YuanPay Group's friendly agents, but I didn't really need any help as the whole process was easy enough.

After finishing this article, literally around 4 hours, I checked my wallet again and to my surprise:

In only 4 hours, the price increased from CNY 0.12 to CNY 0.31. At this point, I was positively surprised. I am not selling my coins as of yet because all the experts predict that the price will rise to at least CNY 9,192.63 per coin in matter of months.

YuanPay Group was kind enough to give us a 100% accurate coin movement price counter, so everyone can see the increase directly on this page.

Official price currently

1 coin = CNY 0.33

(Note - price is being updated every 30 minutes)

With a story of this nature, news seems to be breaking every so often, we’ll be sure to update the story as needed.

You can find their promo video as well as direct coin sales here:

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The future of money is digital, but is it bitcoin?

 

Don’t be surprised if by the end of the current decade, the e-wallet on your smartphone resembles a multicurrency account. But instead of dealing with commercial banks, you may be a customer of central banks. Several of them, in fact

 

THE idea that much of today’s cash use will shift to digital tokens is neither faddish nor outlandish, as long as you don’t start equating the future of money with bitcoin.

Sure, governments will borrow some elements of the distributed ledger technology behind private cryptocurrencies, but they will very much want to retain control of what circulates as money in their economies. Some will succeed.

Don’t be surprised if by the end of the current decade, the e-wallet on your smartphone resembles a multicurrency account. But instead of dealing with commercial banks, you may be a customer of central banks. Several of them, in fact.

Sound far-fetched? Apart from the Bahamian Sand Dollar, there’s no official online currency in mass circulation yet.

Still, digital yuan pilots are gathering pace as Beijing aims for a possible rollout coinciding with the 2022 Winter Olympics.

Sweden may be the next major nation to follow suit. The Bank of Japan has no immediate plans, but it acknowledges the possibility “of a surge in public demand” for official digital cash going forward.

Even in the US, which is only toying with the concept, digital payment vehicles that don’t rely on traditional bank accounts can increase financial inclusion among cash users, according to a September 2020 paper by Federal Reserve Bank of Atlanta president Raphael Bostic and others. Treasury Secretary Janet Yellen says a digital dollar is “absolutely worth looking at”.

Once China and the US are both in the fray, virtual money is bound to become a tool for wielding global influence by carving up the world into new currency blocs. That’s because any token will have dual uses outsidethe issuing nation’s borders.

The dollar or yuan that pops up in a phone wallet in Indonesia or India – backed by a solemn promise of taxpayers in the US or China – could be used for buying goods, services or assets internationally.

Just as easily, this new money can end up replacing domestic currency in people’s daily lives. Although this is no different from traditional dollarisation that occurs in countries plagued by inflation and exchange rate volatility, the convenience and accessibility of central bank-issued digital cash could enable “substitution at a faster pace and larger scale,” according to Tao Zhang, a deputy managing director at the International Monetary Fund (IMF). To stay in control of monetary policy, authorities in smaller economies will need their tokens to be attractive in domestic situations.

The goal for bigger nations may be different: China and the US may want to offer add-ons that make the E-CNY or the Fedcoin the preferred choice for foreigners in settling international claims.

An efficient future will be one in which all central banks’ digital currencies are interoperable. In other words, they’ll interact with one another – and with private-sector alternatives including bitcoin, says Sky Guo, the chief executive of Cypherium.

The US enterprise blockchain startup is a member of the Fed’s Faster Payments Council and of the digital monetary institute of the Official Monetary and Financial Institutions Forum, or OMFIF, a central banking think tank.

Guo is working on the challenges that will arise when sovereign money gets digitised:

How to process high volumes of transactions quickly, cheaply, and with a strong consensus among registries updated automatically across a network? How to give people a sense of privacy in everyday payments, even after the anonymity of cash is lost?

Central banks will have to make choices. Not all smartphones can run advanced virtual machines, effortlessly executing the software code for automated contracts.

Choose the wrong technology, and the unbanked population might once again get excluded. Ditto for overseas remittances, a US$124 trillion-a-year opportunity for tokens to replace an expensive network of correspondent banks moving money by exchanging SWIFT messages.

But it won’t work for small transfers if the computing power to verify transactions in a decentralised network costs too much. The ideal technology doesn’t necessarily have to be a blockchain, but it should be something “lightweight, flexible and capable of working with legacy systems,” Guo says. Above all, the distributed ledger must be transparent.

There will be other obstacles. “A driving force for lobbying against central bank digital currencies has been established among payment processing giants like Paypal, Venmo and Stripe,” Guo tells me. “Fedcoin won’t need these intermediaries to send funds.

As these companies fall victim to innovation, it’ll be interesting to see how they try to protect themselves from disruption.”

Paypal Holdings Inc, which owns the person-to-person service Venmo, contests Guo’s assertion as false. Supporting and distributing central bank digital currencies is part of Paypal’s vision of an inclusive future, CEO Dan Schulman told investors last month.

Former Bank of England governor Mike Carney, who has proposed an alternative to the dollar through a network of central bank digital currencies, recently joined the board of Stripe Inc.

One way to resolve the tension may be to co-opt the private sector. As IMF economists Tobias Adrian and Tommaso ManciniGriffoli have argued, an official virtual currency could be like Apple’s IOS operating system, with commercial banks and e-money providers running apps on top of it.

The Apple Health app may be fine for a lay user; an athlete will want something more sophisticated. Money could go the same way.

Countries will also have to cooperate with one another. Take M-CBDC Bridge. The project for 24/7 cross-border remittances using central bank digital currencies was begun by the Hong Kong Monetary Authority and the Bank of Thailand, but has now been joined by the central bank of the United Arab Emirates and the People’s Bank of China. ─ Bloomberg

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The Future of Money Is Digital, But Is It Bitcoin?

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The future of money is digital but is it Bitcoin?

https://www.deccanherald.com/business/business-news/the-future-of-money-is-digital-but-is-it-bitcoin-958338.html 

The future of money is digital, but is it bitcoin?

 

 

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