Next.chain: una blockchain con transazioni velocissime a costi contenuti

Scopri la blockchain di nuova generazione: creazione di risorse facile e veloce, tokenizzazione delle risorse senza interruzioni e trading istantaneo con velocità fulminee a costi estremamente bassi. Next.chain è una nuova realtà per molti trader di criptovalute che sono stanchi della congestione con vecchi blockchain e costi di transazione elevati. Next.chain è una solida blockchain a transazione istantanea costruita sul core di Bitcoin e migliorata aggiungendo tokenizzazione, come Ether ( ETH ) e validatori di nodi master (come si vede su Dash). La soluzione Next.chain è perfetta per la finanza decentralizzata e le applicazioni NFT. Inoltre, Next.chain supporta contratti intelligenti che consentono agli utenti di:

Emetti asset digitali fungibili, come azioni, obbligazioni e altre forme di titoli.

Crea diverse forme di oggetti da collezione (gettoni non fungibili).

Crea e gestisci identità sovrane / decentralizzate.

Progetta ed esegui altre forme di contratti intelligenti complessi arbitrari

La blockchain Next.chain è in esecuzione da aprile 2019, con quasi 200 nodi master, che non hanno prodotto una singola transazione fallita. Non siamo un clone di Ethereum e non avremo mai il problema di rimanere senza benzina o di richiedere costi del gas estremi. Come visto negli ultimi giorni, i costi di transazione hanno raggiunto i 35 dollari. Inoltre, abbiamo notato che le blockchain dell’era dei dinosauri non sono scalabili per sostenere la quantità di traffico nel mondo crittografico per l’adattamento di massa.

Gateway fiat-to-crypto istantaneo

In Next.chain, miriamo a portare il massimo profitto per la comunità utilizzando una vasta gamma di attività finanziarie e inserendo nella catena asset garantiti reali, come azioni aziendali o metalli preziosi. Next.chain sarà direttamente connesso a un gateway fiat, quindi non ci sarà più intermediario se vuoi scambiare token con euro o dollari statunitensi.

Interrompere l’attuale mercato delle risorse digitali e delle criptovalute da $ 1,4 trilioni

Oltre a queste caratteristiche, i possessori del token Next riceveranno dividendi dal profitto generato. La blockchain non è limitata solo a Next. Tutti i token ERC-20 possono essere scambiati per consentire lo scambio di token di illuminazione, che è necessario nello spazio crittografico corrente.

Chi fa parte del team dietro Next.chain e qual è la loro esperienza?

I fondatori di Next.chain sono stati coinvolti nella crittografia dal momento in cui Bitcoin poteva essere estratto con un PC. Dal 2017 costruiamo attivamente Next.chain e uno scambio decentralizzato con ingegneri e sviluppatori. Attualmente siamo un piccolo team di otto persone con sede a Eindhoven, Paesi Bassi, e trasferiamo in un ufficio più grande a Eindhoven. Siamo attualmente in trattative con molti progetti brillanti che vogliono essere tokenizzati su Next.chain. Ciò fornirà a studenti, imprenditori e aziende esistenti i finanziamenti di cui hanno bisogno per avviare i loro progetti sul mercato. È una situazione vantaggiosa per tutti.

Recentemente, abbiamo stabilito una partnership con AngelList per portare le startup nella catena. Durante la pandemia COVID-19, molti nuovi arrivati alla ricerca di investitori sono entrati nel mercato. Crediamo che il mercato delle criptovalute sia abbastanza grande da renderlo un’alternativa perfetta per gli investitori a bordo.

Infine, PayAccept, un fornitore di servizi di pagamento decentralizzato che integra la tecnologia Raiden e Bitcoin Lightning, si è unito a Next.chain. PayAccept è il nostro partner che funge da gateway per le valute legali, crea conti IBAN / SEPA e collega i negozi di e-commerce di tutto il mondo direttamente a Next.chain. Immagina un mondo in cui fiat e criptovaluta funzionino perfettamente insieme, senza una banca o un intermediario. Inoltre, la necessità di una borsa valori verrebbe eliminata se si stabilisse una soluzione decentralizzata, come quella proposta.

Per quanto siamo entusiasti, ci rendiamo conto che mettersi al passo con la situazione del mercato è essenziale. Nelle ultime settimane, l’interesse per le criptovalute è aumentato e un altro toro è in corso. Dopo anni di sviluppo, è tempo di commercializzare ed espandere la nostra azienda per competere in questo spazio in crescita. Puntiamo ad avere almeno 20 dipendenti, con un mix di esperti tecnici e finanziari. Ciò è necessario per competere con Ripple e altri blockchain attuali. Il panorama sta cambiando e sta diventando più regolamentato che mai, quindi richiederemo anche le licenze necessarie per operare. Una di queste sarà una licenza di moneta elettronica per la gestione della fiat, e l’altra è una licenza di struttura commerciale multilaterale per mettere i token di sicurezza sulla blockchain. Quando avremo rispettato completamente i regolamenti, avremo un vantaggio significativo su tutti gli altri blockchain.

Zal de prijs van Bitcoin snel onder de 50000 dollar

Zal de prijs van Bitcoin snel onder de 50000 dollar zakken?

Nu Bitcoin boven de 56.000 dollar wordt verhandeld, denken kleine handelaren misschien dat ze de kans hebben gemist om onder de 50.000 dollar te kopen toen de prijs laag was in verhouding tot de enorme prijsstijgingen die de koningsmunt deze marktcyclus heeft aangetrokken. Het bereiken van een waardering van $1 triljoen heeft de institutionele instroom Crypto Revolt in Bitcoin en de belangrijkste altcoins vergroot. Op dit moment, nu de open rente en het handelsvolume voor Bitcoin-futures op derivatenbeurzen blijven pieken, bestaat de vrees dat een prijscorrectie onder de 50000 dollar een golf van liquidaties kan veroorzaken en een negatief effect op de lange termijn kan hebben op de prijs.

De huidige Bitcoin-stierloop verschilt in veel opzichten van de vorige, maar dit garandeert niet dat er geen correctie zal komen. Het garandeert ook niet dat de gecombineerde marktkapitalisatie van Bitcoin en altcoins samen geen dipje zal krijgen. Aangezien institutionele aankopen zijn doorgegaan tijdens verschillende koersen in de huidige prijsrally, zou dit een negatief rendement betekenen voor de portefeuilles van institutionele beleggers.

Toen de prijs voor het eerst de $50000 passeerde, werd opgemerkt dat aandelen van instellingen die contant geld van hun balans in Bitcoin hebben geïnvesteerd, sterk gecorreleerd zijn. De rendementen gingen ook omhoog in verhouding tot de prijsrally van Bitcoin. Een dip onder de 50000 dollar kan deze vooruitgang ongedaan maken, tenzij deze van voorbijgaande aard is en de prijs hoger blijft klimmen. Het is echter cruciaal om een punt te bedenken waarop het niet meer rendabel zou zijn om Bitcoin te kopen als u de winst in USD berekent. Momenteel is de ROI/Risico van Bitcoin of de Sharpe Ratio 3,12.

Bron: Woobull Charts

Een waarde boven de drie wordt als uitstekend beschouwd, en de voor risico gecorrigeerde rendementen van Bitcoin zijn winstgevend voor HODLers en beleggers. Hoe lang het winstgevend blijft, hangt af van de trend in de prijsrally, komende trendomkeringen, en de aankoopprijs. Instituten zoals Grayscale hebben Bitcoin gekocht op een geplande manier waarbij ze het gemiddelde van de prijs nemen en dit is tot nu toe ideaal, met de huidige staat van Bitcoin’s prijsrally.

Deze metriek wijst er ook op dat een daling onder de 50000 dollar nog lang niet in zicht is, tenzij een belangrijke trigger de trend omkeert. Verschillende kleine handelaren staan ook in de rij op beurzen om Bitcoin boven de 50000 dollar te kopen, wat duidelijk wordt door het handelsvolume van Bitcoin op spotbeurzen. Aangezien het handelsvolume op de spotmarkten blijft stijgen, zelfs op het huidige prijsniveau, is het waarschijnlijk dat $50000 in de toekomst kritieke steun wordt voor Bitcoin, net zoals $35000 dat deed in de vorige fase van de huidige prijsrally.

Polkadot as the only top 10 coin clearly in the plus – institutional sell-off at BTC?

While fund provider CoinShares suspects institutional investors to take profits for Bitcoin, Polkadot (DOT) can underline its strong performance in recent weeks. The market update.

The Bitcoin course is still in the crab – with a delicate negative sign

At the time of writing, the # 1 cryptocurrency is trading at $ 34,570. Within the last 24 hours, BTC has posted a minus of around 2 percent.

The Bitcoin rate for the past 24 hours. Left: trading volume in BTC. BTC was able to recover from the nightcap to USD 33,500 – but not much more.

In order for the bull to pick up again, the first step is to recapture the resistance at $ 35,000. Otherwise there is a risk of slipping to the next support at USD 33,770. You can find a detailed description of the bullish and bearish scenarios for the Bitcoin Era rate in the current rate analysis .

Are the „Instis“ pushing the Bitcoin rate?

The fact that the Bitcoin price is currently struggling to sustainably overcome the 35,000 US dollars could be accompanied by increased selling pressure from institutional investors, namely in the form of crypto investment funds. Fund provider Coinshares noted in its weekly asset flow report for the past week an inflow of 359 million US dollars into crypto funds – a level that was last achieved in the time before Christmas. However, funds already sold crypto assets for the second week in a row – above all Bitcoin – this time for the equivalent of 85 million US dollars. Coinshares is assuming profit-taking, who want to benefit from the recent sharp rise in the Bitcoin price.

Strong dollar = weak bitcoin?

Another explanation is provided by Coinshares with an allegedly increased Trade Weighted US Dollar Index. This metric, developed by the US Federal Reserve, determines the purchasing power of the US dollar by comparing it with a basket of 26 fiat currencies.

Bitcoin wave analysis to determine its peak

Bitcoin will soon have completed sub-wave 5 of its wave 5.

BTC could peak between $ 29,800 and $ 33,500.

The price completed a short term 4th wave pullback.

On December 27, the price of Bitcoin (BTC) reached a new all-time high of $ 28,422.

Despite the continued rise, the wave count suggests that Bitcoin News Trader is rapidly approaching the peak of its current movement. This could indicate that a corrective movement will take place shortly.

Click here to view the previous Bitcoin wave analysis articles by BeInCrypto.

Bitcoin’s long-term wave count

BTC’s long-term tally shows that price is approaching the peak of the wave 3 cycle (in white), and that it is currently in its wave 5 (in blue).

When it has peaked and the corrective movement begins, we would expect a correction covering the entire movement started in September.

In addition, due to the hollow wave 2 (indicated in red) and the principle of alternation , one would expect a much deeper wave 4. The latter could bring BTC down to $ 19,137 or $ 16,943, which is the 0.5-0.618 fibonacci retracement level of the entire movement.

Cryptocurrency trader @TheTradinghubb pointed to a BTC chart indicating a possible high between $ 29,000 and $ 32,000. The wave count dovetails with the one we highlighted, and in which BTC is completing wave 5 of the wave 3 cycle.

The possible peak of Bitcoin

Further observation of the movement shows that BTC is also in sub-wave 5 (in orange) of wave 5 (in blue).

Using a fibonacci extension on sub-wave 1, we get a potential target near $ 29,800 or $ 33,600. These are the 3.61 and 4.61 fibonacci extensions of sub-wave 1.

Finally, the shorter-term, two-hour chart shows that after breaking through a 4th wave triangle , BTC has completed minor sub-waves 1-4 (in black).

Thus, the BTC appears to be in sub-wave 5 minor (in black) of sub-wave 5 (in blue) of wave 5 (in orange) of the cycle of wave 3. We therefore expect a correction. considerable once this movement is finalized.

Finally, the shorter 30-minute chart suggests a final minor sub-wave rise before BTC peaks. This is noticeable thanks to the 4th wave fallback formation.

A decline below the top of Minor Subwave 1, at $ 24,661, would suggest the correction has started.

Bitcoin’s price is expected to complete another short-term upswing towards $ 29,800 before initiating a correction.

Bitcoin’s recent transactions shed light on institutional accumulation trend

The bitcoin price has held fairly steady below $24,000, with sellers unable to firmly chip away at its strength despite weakness seen in altcoins.

BTC’s dominance has risen rapidly as it sucks the oxygen out of the space, with analysts widely targeting continued strength against the altcoins.

However, Bitcoin System app still has some major hurdles in its way that could continue to hinder its growth and prevent a massive uptrend.

This includes the massive resistance between $24,000 and $24,200, and whether or not it can break above this level should provide serious insight into its prospects.

An on-chain analyst explains that certain Coinbase transactions confirm a trend of institutional accumulation.

Bitcoin has been consolidating over the past week and has seen some tumultuous price action that has seen it hover between $22,000 and highs of $24,200. The selling pressure here has been pretty significant.

Still, any rejection and subsequent decline was quickly absorbed by the bulls – suggesting that there is a strong likelihood that another rise is imminent.

An on-chain analyst also notes that transaction activity on Coinbase indicates institutional engagement in the market, including what appears to be a recent transaction of 12,006 BTC sent to various OTC-related cold wallets.

Bitcoin shows signs of strength as altcoins plummet

At the time of writing, Bitcoin is trading at $23,730, which is roughly the price at which it has been trading in recent days.

Selling pressure between $24,000 and $24,200 has triggered several strong sell-offs, but there is a possibility that the bulls will be able to catalyze further gains in the medium term.

This possibility stems from the strong reactions Bitcoin has shown after each sell-off. The bears have been unable to gain serious ground in recent weeks.
On-chain data points to institutional accumulation

One factor that could support Bitcoin in the near term is the sheer amount of institutional exposure to the market at this point.

The CEO of analytics platform CryptoQuant is now watching transactions flow to OTC-related wallets from Coinbase.

„A few hours ago, 12,006 BTC flowed out of Coinbase. As I said, it went to custody-like wallets. It seems Coinbase is making a new cold wallet for every customer after the OTC deal for institutions. I’m very bullish on BTC.“

These types of institutional accumulation trends usually take place days before the cryptocurrency price spikes rapidly.

JPMorgan on MassMutual’s Bitcoin purchase: crypto demand on the rise

Even a small investment from insurance companies and pension funds could be significant for Bitcoin.

MassMutual’s $100 million purchase of Bitcoin (BTC) shows that demand for cryptocurrencies will continue to grow, according to strategists at major investment bank JPMorgan.

In a note to investors on 11 December, JPMorgan strategists, including Nikolaos Panigirtzoglou, said bitcoin adoption will now expand from family businesses and high-net-worth investors to larger investors, such as insurance companies and pension funds.

As Bloomberg reported, the experts said it was unlikely Crypto Revolt that insurance companies and pension funds would invest large amounts in Bitcoin. But even a small shift towards crypto could be significant.

If pension funds and insurance companies in the United States, the eurozone, the United Kingdom and Japan invested 1 per cent of their assets in bitcoin, bitcoin demand would grow by $600 billion, the strategists calculated. That is almost twice the market capitalisation of Bitcoin. This currently stands at 356 billion US dollars, according to data from CoinMarketCap.

The JPMorgan strategists wrote: „MassMutual’s Bitcoin purchases are another milestone in Bitcoin acceptance by institutional investors. […] One can see the potential demand that could emerge in the coming years as other insurance companies and pension funds follow MassMutual’s lead.“

Massachusetts-based insurance company MassMutual announced on 11 December the firm had bought 100m in bitcoin and added it to its general investment account. MassMutual told Cointelegraph that the investment was part of an overall strategy. The aim of this strategy, it said, was to „achieve measured but meaningful exposure to a growing economic aspect of our increasingly digital world.“

In addition to MassMutual, MicroStrategy, a large institutional firm, has also bought Bitcoin. The company announced it would raise $400 million in a securities offering to invest the money in BTC. MicroStrategy has made Bitcoin its primary asset after buying US$425 million worth of Bitcoin in August and September.

«Quelque chose me manquera peut-être», déclare Ray Dalio, milliardaire Bitcoin Bear

Ray Dalio gère le plus grand hedge fund au monde.

Dalio est un ours Bitcoin de longue date, le décrivant auparavant comme inférieur à l’or.

Les fondamentaux qui sous-tendent la dernière course haussière l’ont peut-être amené à changer d’avis sur Bitcoin

Le fondateur de Bridgewater Associates, Ray Dalio, a publié une série de tweets concernant les fondamentaux de Bitcoin le 17 novembre après avoir été surpris de voir BTC traverser 17000 $.

Dalio a reconnu que ses analyses baissières pouvaient être erronées, ajoutant qu’il «aimerait être corrigé».

Dalio a précédemment déclaré que le Bitcoin est inférieur à l’or et inefficace en tant que moyen d’échange ou réserve de valeur.

Plus tôt ce mois-ci, Dalio a même affirmé que Bitcoin serait probablement interdit s’il devenait un jour «matériel», ajoutant que la crypto ne réussira pas comme les gens l’espèrent.

Dalio a-t-il une seconde réflexion sur Bitcoin?

L’ours franc de Bitcoin est peut-être en train de changer d’avis, ouvrant un débat sur Twitter autour de la principale crypto-monnaie au monde.

Alors que Dalio s’en tient à ses armes, pour l’instant, affirmant que les gouvernements mondiaux sont plus susceptibles d’interdire Bitcoin que de l’adopter, c’est la première fois qu’il reconnaît qu’il n’a peut-être pas une vue d’ensemble. D’anciens ours Bitcoin comme Jamie Dimon et Michael Saylor se sont récemment tournés vers Bitcoin, ce qui peut avoir eu un impact sur l’analyse de Dalio. La course haussière actuelle est également assez distincte de la frénésie FOMO en 2017, avec des fondamentaux beaucoup plus solides qui sous-tendent l’action actuelle des prix .

Glassnode hevder at 98% av ubrukte Bitcoin kan selge for en fortjeneste

I følge en ny rapport fra Glassnode kan 98% av de ubrukte transaksjonene på Bitcoin-nettverket lett selges for fortjeneste. Beregningen viser at Bitcoins er verdt mer i dag enn de var da de ble deponert i lommebøkene.

Stigende Bitcoin-priser fører til fortjeneste

Bitcoins pris steg nylig over $ 13 000 heie investorer over hele verden med den økende verdien av deres stack. Glassnode bemerket i en tweet at nivået ikke har blitt rørt siden 2017, og denne typen bevegelse er typisk i et oksemarked. Den nye beregningen antyder at nesten all Bitcoin som er deponert i lommebøker akkurat nå, kan selges for fortjeneste. Dette betyr at myntene ble kjøpt for mindre enn dagens markedsverdi og allerede gir et overskudd for eierne. Spørsmålet er om du skal kjøpe bitcoin?

Glassnode refererer til ubrukte transaksjoner eller UTXOer, noe som betyr Bitcoin som en bruker har rett til å selge.

Hva er poenget med beregningen?

Det Glassnode egentlig prøver å fremstille er at den stigende prisen på Bitcoin hjelper til med å gjøre de fleste innehavere av mynten lønnsomme. Minst 98% av lommebøkene som holder Bitcoin, vil kunne selge myntene sine med fortjeneste hvis de kom inn på markedene i dag. Bitcoin har hatt et rettferdig løp i 2020. I mars i år hadde mynten knapt berørt $ 4000, men har siden gått kontinuerlig opp for å nå $ 13.000.

Den nylige tyren for mynten er også en rekord i 87 dager for mynten over $ 10.000-marken, noe som har bidratt til å øke investorens tillit til markedet. I det siste kvartalet har desentralisert finans (DeFi) -sektoren bidratt til å bringe interessen tilbake til kryptomarkedene. Ethereum-nettverket har imidlertid vært den største mottakeren av trenden, der de fleste av DeFi-prosjektene ligger. Likevel kan veksten i markedene, kombinert med bull run, bringe flere investorer i markedet.

Bitcoin Cash Hard Fork i predykcja cenowa

Możliwe jest, że łańcuch blokowy Bitcoin Cash może rozwidlać się na dwa oddzielne łańcuchy ze względu na brak konsensusu w odniesieniu do podziału opłat eksploatacyjnych.

Społeczność BitQT Cash jest podzielona w związku z decyzją o modernizacji sieci i dystrybucji opłat eksploatacyjnych. Nie osiągnięto jeszcze porozumienia w sprawie nadchodzącego widelca, co może doprowadzić do podziału sieci Bitcoin Cash na dwie sieci.

BCHA i BCHN
Kiedy oczekiwany jest widelec?

Blokada Bitcoin Cash ma się podzielić na BCHA i BCHN 15 listopada 2020.
Jaki jest powód tego podziału?

Głównym powodem podziału jest decyzja o podziale 8% opłaty eksploatacyjnej. Do bazy kodowej Bitcoin Cash ABC została dodana propozycja finansowania infrastruktury. Zgodnie z tą propozycją, na czele z Amaury Sechet, deweloperzy BCHA proszą, aby 8% opłaty eksploatacyjnej zostało podzielone przez koderów za rozwój BCH.

Jednak wielu członków społeczności, na czele z Roger Ver, są przeciwni temu planowi i nie chcą, aby 8% opłaty eksploatacyjnej trafiało do deweloperów. Może to doprowadzić do podziału łańcucha i powstania dwóch nowych łańcuchów BCH. Roger Ver tweetował: „Spełnienie marzenia głównego planisty w sowieckim stylu“.

Który łańcuch będzie się rozwijał? BCHA czy BCHN?

W odniesieniu do dominującego łańcucha, jak dotąd ponad 70% bloków Bitcoin Cash jest wydobywanych z BCHN. Ponad 700 z 1.000 ostatnich bloków wydobyto za pomocą oprogramowania BCHN. Jednak o dominującym łańcuchu zadecyduje wyłącznie cena, po jakiej żetony tych dwóch monet handlują za widelcem.

Który z łańcuchów będzie zachowywał nazwę Bitcoin Cash?

Historycznie, łańcuch, który będzie handlował po wyższej cenie, będzie mógł zachować nazwę Bitcoin Cash, a nowa nazwa zostanie przypisana do łańcucha, który handluje po niższej cenie.

Czy otrzymujecie darmowe monety?

Tak. Dostaniesz darmowe monety w stosunku 1:1. Jeśli trzymasz 10 BCH, Twój BCH trzymający post-fork będzie miał 10 BCHA i 10 BCHN. Ktokolwiek handluje monetami po wyższej cenie, nadal będzie miał nazwę BCH, a drugi łańcuch otrzyma nową nazwę. Ta decyzja może się różnić w zależności od wymiany.

Co powinienem zrobić, aby otrzymać darmowe monety?

Powinieneś sprawdzić przy wymianie lub w portfelu, czy wspierają one ten widelec. Jeśli tak, to nie musisz nic robić, a nowe monety zostaną zapisane w twoim portfelu. Jeśli nie, musisz przenieść swój BCH z obecnej giełdy / portfela do giełdy / portfela, który obsługuje ten widelec.
Jaka będzie cena nowej monety?

Historycznie, mniej dominujący łańcuch zaczyna handlować po 10% ceny bardziej dominującego łańcucha.

Od 2 listopada BCHN i BCHA są notowane na rynku terminowym Poloniex BCH na nadchodzącym widelcu odpowiednio 210$ i 20$.
Przewidywanie kursu BCHA

Zasadniczo, BCH to zdecydowanie dobry towar do kupienia. Za każdym razem, gdy moneta zbliża się do swojej twardej daty widelca, widzimy gwałtowny wzrost jej ceny, ponieważ ludzie zawsze kochają wolne monety.

Przejrzyjmy tabelę BCH, aby ocenić możliwe cele dla BCH.

Cena BCH skonsolidowała się w strefie wsparcia w wysokości 265-270 dolarów. Jeśli ta podpora się trzyma, to widzimy push w kierunku 280$ w pierwszej strefie oporu i 280$ w drugiej strefie oporu. Jeśli nie uda się utrzymać pierwszej strefy wsparcia, cena BCH może cofnąć się w kierunku 240$, co byłoby świetną ceną do dodania do Twoich tęsknot przed widelcem.

Nubank accused of key fraud at PIX and Central Bank to investigate

Main fintechs in Brazil, Nubank and Mercado Pago are accused of fraudming Pix and registering key users without authorization. Central Bank states it will investigate

Nubank, one of Brazil’s leading digital banks, is being accused of fraud against Pix’s key registration system.

According to reports made by users on social networks Nubank would have registered the Pix key of its customers without their consent.

When asked by customers, the bank’s support would have said „no problem“ and that the customer could cancel the key at any time.

However, in addition to Nubank the fact would also have occurred with MercadoPago which is accused of having registered its customers at PIx without their consent.

According to data released by the Brazilian Central Bank, Nubank and MercadoPago were the institutions that registered the highest number of keys at Pix.

Central Bank

The complaint of customers with the improper registration of Nubank and MercadoPago in Pix reached the Central Bank which promised to take measures to punish possible irregularities.

„The Central Bank informs that it continuously monitors and supervises the process of registration of Pix keys, and has already initiated formal processes of participant surveillance. If it detects irregularities in these processes, including possible undue registrations, the Central Bank will punish the violators under the terms of the regulations in force,“ the Central Bank said in a statement.

However, the Central Bank did not say what the punishment would be if the irregularities were proven.

In their defence, both Nubank and MercadoPago stated that they only registered keys with the authorization of their users.

„Nubank informs that all the keys have been registered with the authorization of the clients. We have carefully prepared a practical and simple flow of communication and, on October 5th, we sent a request for consent via application to all customers who had pre-registered“.

„Mercado Pago clarifies that it does not register a Pix key without the user’s consent. The company reinforces that there is no registration without the customer’s consent approving the registration of their key in the Mercado Pago application.

Digital payments

The fight between institutions for the registration of keys in the Pix is not only a „war“ for customers but a battle for power in the system that should become the main means of digital payment in the country.

The Central Bank’s proposal with the Pix is to unify a whole ecosystem of digitalization of the economy that could even culminate in the creation of a Central Bank Digital Currency (CBDC) for Brazil.

In addition, within Pix, the Bitcoin Pro Scam wishes to allow decentralized withdrawals and even exchange operations.

In this line, recently, the president of the Central Bank, Roberto Campos Neto, said that the economic recovery of the country will happen through recent technological advances such as PIX and Open Banking.

On several occasions Campos Neto has already stated that the next phases of PIX involve foreign exchange, CBDC, tourism and what he has been calling „currency improvement“.

„In our case PIX is very important because we see from now on the union of an instant, open and interoperable form of payment with an open data system. Where it is at some point up front together with a currency that has to be perfected,“ he said.

So, according to him, the Central Bank has a project to simplify the exchange processes also to meet this demand.

„We have a project to simplify the exchange rate closing processes that will combine with a convertible currency,“ he said.