New York Orders Bittrex to Cease Operations ... - Bitcoin News

Customers’ bitcoins are stored in the Bakkt Warehouse, operated by Bakkt Trust Company Llc, a qualified custodian which is regulated by the New York State Department of Financial Services (DFS)

Customers’ bitcoins are stored in the Bakkt Warehouse, operated by Bakkt Trust Company Llc, a qualified custodian which is regulated by the New York State Department of Financial Services (DFS) submitted by EducationalLadder to CryptoCurrencyTrading [link] [comments]

Bitcoin’s “Bad Boy” Brand Name Here To Stay – "New York State Department of Financial Services (DFS) just approved Coinbase as a virtual currency" – calling it "bitcoin".

Bitcoin’s “Bad Boy” Brand Name Here To Stay – submitted by nbie to Bitcoin [link] [comments]

Bitcoins Bad Boy Brand Name Here To Stay "New York State Department of Financial Services (DFS) just approved Coinbase as a virtual currency" calling it "bitcoin".

Bitcoins Bad Boy Brand Name Here To Stay submitted by BitcoinAllBot to BitcoinAll [link] [comments]

Cleaning up Mark Williams’ Bitcoin FUD From New York DFS

Cleaning up Mark Williams’ Bitcoin FUD From New York DFS submitted by mrees999 to Bitcoin [link] [comments]

New York's DFS may create 'Transitional BitLicense' for bitcoin

http://www.reuters.com/article/2014/11/03/usa-bitcoin-idUSL1N0ST01J20141103
Anyone would have a preview ?
submitted by theochino to Bitcoin [link] [comments]

19.10-26.10 Good Crypto Weekly Market Summary

19.10-26.10 Good Crypto Weekly Market Summary
Quick weekly news:
  • Bitstamp, one of the world’s largest cryptocurrency exchanges, has introduced an insurance policy that covers the theft and other losses of user funds held on its platform.
  • Binance Destroys $68 Million of BNB in Most Expensive Burn to Date
  • Binance recorded an all-time high spot trading volume in Q3
Other notable events include:
- The Central Bank of the Bahamas has officially launched its national digital currency, the sand dollar
- PayPal will be offering trading and transaction of bitcoin, bitcoin cash, ether and litecoin in the next few weeks
Also, be sure to check out top altcoin gainers and losers of the week
PayPal’s play
PayPal will be offering trading and transaction of bitcoin, bitcoin cash, ether and litecoin in the next few weeks to its 346 million customers and 26 million merchants through a partnership with Paxos Trust Company, although for some users, the features are already available. The New York State Department of Financial Services (DFS) has granted the first “conditional BitLicense” to PayPal, a regulatory arrangement where interested companies can operate in the state’s “virtual currency marketplace” by working with already chartered firms. “DFS will continue to encourage and support financial service providers to operate, grow, remain and expand in New York and work with innovators to enable them to germinate and test their ideas,” the watchdog said. Many in the industry see this as a year-defining event that could rapidly expand crypto’s pool of potential users. Others take umbrage that the payments firm will not initially allow users to transfer crypto outside of the PayPal network. “You own the cryptocurrency you buy on PayPal but will not be provided with a private key,” the company wrote in a help post.
It’s official
The Central Bank of the Bahamas has officially launched its national digital currency, the sand dollar, an attempt to reduce the friction of bringing financial services to its dispersed, and often underbanked, population. This marks the first official deployment of a central bank digital currency (CBDC), which will be rolled out initially to private-sector banks and credit unions. Personal wallets are secured with multi-factor authentication security and will be mobile-based, servicing the 90% of the population with smartphones. The sand dollar is backed 1:1 to the Bahamian dollar (BSD), which, in turn, is pegged to the U.S. dollar.

https://preview.redd.it/mi0odgtajgv51.jpg?width=1200&format=pjpg&auto=webp&s=93f8185bd1cadddb82145201d533969d59fc0fa2
submitted by Kononenko_Ivan to GoodCrypto [link] [comments]

Your Pre Market Brief for 07/23/2020

Pre Market Brief for Thursday July 23rd 2020

You can subscribe to the daily 4:00 AM Pre Market Brief on The Twitter Link Here . Alerts in the tweets will direct you to the daily 4:00 AM Pre Market Brief in this sub.
Morning Research and Trading Prep Tool Kit
The Ultimate Quick Resource For the Amateur Trader.
Updated as of 3:30 AM EST
-----------------------------------------------
Stock Futures:
Wednesday 07/22/2020 News and Markets Recap:
Thursday July 23rd 2020 Economic Calendar (All times are Eastern)
(JOBLESS NUMBERS TODAY)
News Heading into Thursday July 23rd 2020
NOTE: PLEASE DO NOT YOLO THE VARIOUS TICKERS WITHOUT DOING RESEARCH. THE TIME STAMPS ON THE FOLLOWING ARTICLES MAY BE LATER THAN OTHERS ON THE WEB. THE CREATOR OF THIS THREAD COMPILED THE FOLLOWING IN A QUICK MANNER AND DOES NOT ATTEST TO THE VERACITY OF THE INFORMATION BELOW. YOU ARE RESPONSIBLE FOR VETTING YOUR OWN SOURCES AND DOING YOUR OWN DD.
Upcoming Earnings:
Commodities:
COVID-19 Stats and News:
Macro Considerations:
Most Recent SEC Filings
Other
-----------------------------------------------
Morning Research and Trading Prep Tool Kit
Other Useful Resources:
The Ultimate Quick Resource For the Amateur Trader.
Subscribe to This Brief and the daily 4:00 AM Pre Market Brief on The Twitter Link Here . Alerts in the tweets will direct you to the daily brief in this sub
It is up to you to judge the accuracy and veracity of these headlines before trading.
submitted by Cicero1982 to pennystocks [link] [comments]

New York Financial Regulator Greenlights 10 Tokens for Custody


The New York State Department of Financial Services has issued a greenlist of 8 virtual currencies for sale and trade, and 10 coins approved for custody by licensed entities.

According to a Aug. 3 update on the New York Department of Financial Services website (NYDFS), state regulators have approved 8 cryptocurrencies for listing and trading. These tokens include Bitcoin (BTC), Ethereum (ETH), Bitcoin Cash (BCH), Litecoin (LTC), Binance USD (BUSD), Gemini Dollar (GUSD), Pax Gold (PAXG), and the Paxos Standard Token (PAX). The NYDFS also greenlighted the same coins for custody as well as XRP and Ethereum Classic (ETC).

“Any entity licensed by DFS to conduct virtual currency business activity in New York may use coins on the Greenlist for their approved purpose,” the NYDFS stated. However, it clarified that any licensed business needed to inform the regulatory body prior to using any greenlisted token.

The announcement also stated that the NYDFS has the authority to remove any of the tokens from the greenlist at any given time, limit the activity of any coin, as well as discontinue the list entirely.
submitted by ami_nil1987 to DigitalCryptoWorld [link] [comments]

New York Financial Regulator Greenlights 10 Tokens for Custody


The New York State Department of Financial Services has issued a greenlist of 8 virtual currencies for sale and trade, and 10 coins approved for custody by licensed entities.

According to a Aug. 3 update on the New York Department of Financial Services website (NYDFS), state regulators have approved 8 cryptocurrencies for listing and trading. These tokens include Bitcoin (BTC), Ethereum (ETH), Bitcoin Cash (BCH), Litecoin (LTC), Binance USD (BUSD), Gemini Dollar (GUSD), Pax Gold (PAXG), and the Paxos Standard Token (PAX). The NYDFS also greenlighted the same coins for custody as well as XRP and Ethereum Classic (ETC).

“Any entity licensed by DFS to conduct virtual currency business activity in New York may use coins on the Greenlist for their approved purpose,” the NYDFS stated. However, it clarified that any licensed business needed to inform the regulatory body prior to using any greenlisted token.

The announcement also stated that the NYDFS has the authority to remove any of the tokens from the greenlist at any given time, limit the activity of any coin, as well as discontinue the list entirely.
submitted by ami_nil1987 to airdropfactory [link] [comments]

Le régulateur de l'État New York autorise le trading de 8 cryptomonnaies

Le Département des Services Financiers de l'État de New York (NYDFS ou DFS) a récemment publié une liste de cryptomonnaies autorisées au trading et à la garde.
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La liste verte du régulateur financier de l'État de New York

Le New York State Department of Financial Services, l’autorité qui délivre la BitLicense aux exchanges, a défini une liste de cryptomonnaies pouvant être proposées à la négociation ou à la garde par les entreprises accréditées dans sa juridiction.
Cette « liste verte » regroupe dans la catégorie des « jetons approuvés pour le listing » le Bitcoin (BTC), l'Ether (ETH), le Bitcoin Cash (BCH), le Litecoin (LTC), le Binance USD (BUSD), le Gemini Dollar (GUSD), le Pax Gold (PAXG) et le Paxos Standard (PAX).
Le XRP et l'Ethereum Classic (ETC) viennent s'ajouter aux cryptomonnaies citées précédemment pour former les 10 « jetons approuvés pour la garde ».
La note publiée par le NYDFS indique ce qui suit :
« Toute entité autorisée par le DFS à mener une activité commerciale de monnaie virtuelle à New York peut utiliser des tokens sur la liste verte aux finalités admises ».
Toutefois, les entreprises concernées sont tenues de communiquer préalablement au régulateur américain, leur intention de faire usage de ces crypto-actifs.
Le NYDFS se réserve le droit de supprimer ou de limiter l'utilisation desdites devises numériques en tout temps. Il assure également que cette liste sera tenue à jour avec la possibilité de l'étendre ou de la raccourcir.
👉 À lire également : Qu'est-ce que la BitLicense et pourquoi est-elle si importante pour les exchanges ?

Le NYDFS réceptif aux nouvelles perspectives

Loin de l'aspect rigide que l'on pourrait associer aux normes, les directives du NYDFS jouent la carte de la flexibilité. En réalité, les exchanges autorisés à opérer dans l'État de New York peuvent offrir leurs services pour des cryptomonnaies qui ne figurent pas sur la liste.
Pour cela, ils doivent présenter une « politique de listing ou d'adoption de jetons » personnalisée selon leur modèle économique et leur exposition aux risques. Si elle obtient l'approbation du régulateur, l'entreprise sera alors en mesure de répertorier ou de prendre en charge des cryptos supplémentaires.
👉 Pour aller plus loin, lisez : Le NYDFS propose de nouvelles directives pour la BitLicense
L'État de New York déploie des efforts considérables pour réguler et donc légitimer l'industrie des cryptomonnaies. Cependant, dans de nombreux pays dans le monde, ce sujet reste tabou.
submitted by Usefmohamed to u/Usefmohamed [link] [comments]

XRP Isn’t A Security, Declares Former CFTC Chairman

XRP Isn’t A Security, Declares Former CFTC Chairman
https://preview.redd.it/8yehv8lzsce51.jpg?width=960&format=pjpg&auto=webp&s=69f0a6eb4973a5a9974e42d15709434719a26a81
When Chris Giancarlo was the chairman of the Commodity Futures Trading Commission he became a rock-star of sorts in certain corners of the cryptocurrency community, helping establish criteria that eventually led to bitcoin and ethereum being declared commodities, more like coffee or sugar than stock in a company. The U.S. Securities and Exchange Commission largely followed suit, eventually also declaring that bitcoin and ether, the cryptocurrency powering the ethereum blockchain weren’t securities.
Now chairman emeritus Giancarlo, who was deemed “Crypto Dad” following an impassioned speech he gave to Congress where he credited bitcoin for finally getting his kids interested in finance, is at it again, having co-written a detailed argument published this morning in the International Financial Law Review for why XRP, the cryptocurrency formally known as “ripples,” was also not a security. The only problem is he’s no longer a regulator. In fact, his employer is on the payroll of Ripple, the largest single owner of XRP, whose co-founders actually created the cryptocurrency.
The bombshell paper, titled, “Cryptocurrencies and U.S. Securities Laws: Beyond Bitcoin and Ether,” co-authored by commodities lawyer Conrad Bahlke of New York law firm Willkie Farr & Gallagher LLP, methodically reviews the criteria of the Howey Test, established by the SEC in 1946 to determine whether something is a security, and point-by-point argues that XRP does not qualify. Rather, the paper argues, like its name would indicate, cryptocurrency is a currency of perhaps more interest to the Federal Reserve and central banks than securities regulators.
What’s at stake here to the cryptocurrency world cannot be overestimated. XRP is now the fourth largest cryptocurrency by market cap, with $5.9 billion worth of the asset in circulation according to cryptocurrency data site Messari. While Ripple was valued at $10 billion according to its most recent round of funding, the company continues to fund itself in part by selling its deep war chest of 55.6 billion XRP, coincidentally valued at the same amount as the company itself.
Not only could an eventual decision by the SEC to classify—or not classify—XRP as a security impact the untold individual owners of the cryptocurrency, but other clients using Ripple services that don’t rely on the cryptocurrency, including American Express, Santander, and SBI Holdings could stand to be impacted positively or negatively depending on the decision. After all if XRP were to be rescinded it would be a huge cost to their software provider. If Giancarlo is right though, Ripple could end up being one of the most valuable startups in fintech.
“Ultimately, under a fair application of the Howey test and the SEC’s presently expanding analysis, XRP should not be regulated as a security, but instead considered a currency or a medium of exchange,” Giancarlo and Bahlke argue in the paper. “The increased adoption of XRP as a medium of exchange and a form of payment in recent years, both by consumers and in the business-to-business setting, further underscores the utility of XRP as a bona fide fiat substitute.”
Giancarlo was nominated to be a commissioner of the CFTC by then-President Barack Obama in 2013. In 2015, he helped lead the thinking behind the CFTC’s decision that bitcoin and other cryptocurrencies were commodities, paving the way for the SEC’s related comments that neither bitcoin nor ethereum are securities. Then, at the height of the 2017 cryptocurrency bubble President Trump nominated him to be Chairman of the CFTC, where he oversaw the creation of a number of bitcoin futures projects, including at CME Group and the short-lived effort at Cboe.
While many blame the creation of bitcoin futures for popping the 2017 price bubble, which almost hit $20,000 before halving today, others have seen the works as a fundamental process of maturity, helping pave the way for more sophisticated crypto-enabled financial offerings. Giancarlo’s last day in office at the CFTC was in 2019, after which he promptly got involved helping envision the future of assets issued on a blockchain. In November he joined as an advisor to American Financial Exchange, using ethereum to create a Libor alternative. The following January he co-founded the Digital Dollar Project leading the push to use blockchain at the Federal Reserve and now it would seem he’s hoping to influence the classification of XRP as he did for bitcoin and ethereum, but from the other side of regulation.
Importantly however, a footnote in the report discloses that not only is Giancarlo and Bahlke’s firm, Willkie Farr & Gallagher LLP counsel to Ripple Labs, but they “relied on certain factual information provided by Ripple in the preparation of this article.” While it’s impossible to parse what information came from the co-authors and what came from Ripple, the resulting legal argument is fascinating, even if it does leave room for doubt.
The Howey test Giancarlo uses to bolster his arguments is a three-pronged definition used by the SEC, none of which he says apply to XRP. The first prong, is that an investment contract should be implied or explicitly stated between the issuer of the asset, in this case XRP and the owner, in which money exchanges hands. “The mere fact that an individual holds XRP does not create any relationship, rights or privileges with respect to Ripple any more than owning Ether would create a contract with the Ethereum Foundation, the organization that oversees the Ethereum architecture,” he writes.
This does however overlook the fact that OpenCoin, credited on Ripple’s own site in 2013 for creating XRP (then tellingly described as “ripples”), was run by many of the same people that founded Ripple. The original creators of XRP then donated the vast majority of the assets to Ripple, which they also ran, creating a sense of distance, tacit though it may be. The actual data around the creation of XRP was also muddled by a glitch in the code that means unlike bitcoin and ethereum the crucial genesis data is no longer attached to the rest of the ledger. The rebranding of “ripples” as XRP further extended the sense of distance between XRP and Ripple, followed by an aggressive campaign to get media to stop describing the cryptocurrency as “Ripple’s XRP.”
With so much distance between the company that actually created XRP and the company that now owns more than half of it, one would be forgiven for wondering, if there was an implied contract between OpenCoin and XRP owners, does the donation from one group of people at one company to a very similar group of people at another company sever that responsibility? In spite of the sense of distance created by Ripple between itself and the cryptocurrency its co-founders created, a number of active lawsuits alleging securities violations have been filed. In all fairness though, Giancarlo appears to recognize this prong may not be Ripple’s strongest defense and concludes the section, hedging: “Even if XRP were to satisfy one or two of the “prongs” of the Howey test, it does not satisfy all three factors such that XRP is an investment contract subject to regulation as a security.”
The second prong of the Howey test stipulates that there can be no “common enterprise” between shareholders or a shareholder and the company. While refuting both relationships, Giancarlo curiously goes onto to write that “given the juxtaposition between XRP’s intended use as a liquidity tool, its more general use to transfer value and its potential as a speculative asset, XRP holders who utilize the coins for different purposes have divergent interests with respect to XRP.”
Ironically, there has always been a widely held belief that owning a cryptocurrency would unify interests around a single goal: to co-create the infrastructure that lets the cryptocurrency exist and ensure it was vibrant and diverse. Meanwhile, XRP, in spite of its aggressive supporters on social media, is one of the least diverse ecosystems, with the vast majority of serious development being done within Ripple. If XRP owners aren’t expecting an increase in value from the work being done by Ripple, they certainly aren’t nearly as involved in helping build that future as are owners of bitcoin and ethereum.
In a related issue, the third prong of the Howey test stipulates that “no reasonable expectation of profit should be derived from the efforts of Ripple,” according to the paper. Supporting this position, Giancarlo writes: “Though Ripple maintains a sizable stake of the XRP supply and certainly has a pecuniary interest in the value of its holdings, it is not enough to suggest that a mutual interest in the value of an asset gives rise to an expectation of profits as contemplated by Howey.” Again, this strains credulity.
According to its own site, Ripple currently has access to 6.4% of all the XRP ever created. But that doesn’t count the 49.2% of the total XRP Ripple owns, but is locked in a series of escrow accounts that become periodically available to Ripple and Ripple alone. Adding those two percentages together leaves a float of only about 44% of XRP that has been distributed for public ownership. For some comparison, Facebook went public the same year XRP was created and has a 99% float, according to FactSet data, meaning almost all of its stock is in the hands of traders.While Ripple does also have more traditional stock, this distribution shows that Ripple might not be as distributed as it claims.
While it’s perhaps no surprise that Giancarlo would come out on the side of his own client, there’s also plenty of other reasons to believe his argument may in fact hold water. In February 2018, the notoriously compliant exchange Coinbase added support for XRP, something it would unlikely do if it were concerned it might accidentally be selling an unlicensed security. Perhaps most tellingly though, Ripple has also been granted a difficult-to-obtain BitLicense from the New York Department of Financial Services, giving it the blessing of a respected regulator. However, while the license was granted after then-superintendent Benjamin Lawsky stepped down from the regulator, it's perhaps no coincidence that a year later he joined Ripple on its board of directors and is now active in the cryptocurrency space. Perhaps a similar fate is in store for Giancarlo.
Editor’s note: This article has been updated to clarify that Ripple Labs is a client of Giancarlo’s law firm.
submitted by wazzocklegless to u/wazzocklegless [link] [comments]

[Discussion] TestFlight Public Beta Links V2

EDIT: I'm really baffled as to why there are people downvoting this. You're only preventing other people on the sub-reddit from seeing this by doing so. Think about other people who have been looking for some of these links for months before you downvote this post for zero reason.

New Thread for y'all!

Here are the TestFlight links I have come across so far. I will update this continually as I find more and as you guys post more. Happy testing!

Tip: Use Ctrl+F to find links to your favorite applications quicker

If you like what you see, feel free to Venmo me! I just graduated college and will have to start paying back loans soon, so anything is extremely appreciated. Feel free to send me your username too, if you want a shoutout on this post!

Venmo: MichaelBertolino

Old Post: https://www.reddit.com/iOSBeta/comments/9so4u8/discussion_testflight_public_beta_links/

Update #1: Added column for the people who wanted to know when new links were added. You're welcome.
Update #1.5: I will remove the links after every tenth link that is added, so make sure to check the list daily!

Update #2: Since this list is becoming a lot bigger, I'm adding a column for apps that I endorse (whether I like them or not) or have on my phone, so that people can find better quality apps quicker.

Up to date as of 10/24/19 @ 10:05 AM EST
Date Added OP approved // On My Device Application Link Sauce // Instructions
Yes // Yes 1.1.1.1: Faster Internet https://testflight.apple.com/join/Sl7m9yyz Courtesy of u/rgllm
1Blocker X https://testflight.apple.com/join/KjmVWFnT Courtesy of u/loudmoutholeary
Yes // No 1Password https://testflight.apple.com/join/flDiG5AU Courtesy of u/BillyCurtis
2Do - Todo List, Tasks & Notes https://testflight.apple.com/join/McBV96Wi Courtesy of u/BillyCurtis
Yes // No 9GAG: Best LOL Pics & GIFs https://testflight.apple.com/join/S2q4mD2b Courtesy of u/jengyong
AdGuard https://surveys.adguard.com/beta_testing_program/form.html Courtesy of u/Birdman-82 // Form
all 4 hue (for Philips Hue) https://testflight.apple.com/join/4Jc5hX2s Courtesy of u/bkmgtpe
Area51: A Client for Reddit https://testflight.apple.com/join/V6vpApGX Courtesy of u/Nicolaspatate
Airchat for AirPods https://testflight.apple.com/join/wL0ZRXln Courtesy of u/Vegetapple
Yes // No Airmail https://testflight.apple.com/join/1AcpfFq3 Courtesy of u/TSUTiger
AmazFaces https://testflight.apple.com/join/4hBEKHHg Courtesy of u/RobinBaerheim
Andrana Project https://testflight.apple.com/join/RorSFmpx Courtesy of u/BillyCurtis
Yes // No AnyList https://testflight.apple.com/join/xwvLPc6o Courtesy of u/BillyCurtis
Armajet https://armajet.com/ Courtesy of u/BillyCurtis // Form. Scroll down to bottom
Artstudio Pro: Draw Paint Edit https://testflight.apple.com/join/Npva2kOl Courtesy of u/BillyCurtis
Banana Racer https://testflight.apple.com/join/F7OpC9rE Courtesy of u/potencia2001
Yes // No BBC Sport https://testflight.apple.com/join/LWzWwU8q Courtesy of u/Vegetapple
Beatwave https://testflight.apple.com/join/2ZowJ3D3 Courtesy of u/BillyCurtis
Yes // No BETA PUBG MOBILE https://testflight.apple.com/join/N2px9MKy Courtesy of u/suuuuuuuuja
9/18/19 Binfinder: Find litter bins https://testflight.apple.com/join/B4geEYHD Courtesy of u/RobinBaerheim
Yes // No BlackBerry Messenger (BBM) https://docs.google.com/forms/d/e/1FAIpQLSfMwOqEZn6mFtuz9FhzreOdysmTbSaRnOO3LCIHY1Uwt2f31A/viewform Courtesy of u/BillyCurtis // Form
Yes // No Buffer: Social Media Manager https://testflight.apple.com/join/DOpMcusn Courtesy of u/BillyCurtis
Bullet Force https://bulletforce.herokuapp.com/ Courtesy of u/BillyCurtis // Form
CARROT Fit https://testflight.apple.com/join/rhsofJcx Courtesy of u/loudmoutholeary
9/29/19 Castro Podcast Player https://testflight.apple.com/join/rcoPrQZ3 Courtesy of u/RobinBaerheim
Cs Music Player https://testflight.apple.com/join/dU2r1pkq Courtesy of u/Birdman-82
ChastiKey https://testflight.apple.com/join/0pHRZcVD Courtesy of u/BillyCurtis
CHUNE https://testflight.apple.com/join/7gH8i3pN Courtesy of u/BillyCurtis
Cloud Baby Monitor https://testflight.apple.com/join/LiFkmauz Courtesy of u/alexrianne
CoinView: Bitcoin Altcoin App https://testflight.apple.com/join/zjjpM7eC Courtesy of u/BillyCurtis
Comet https://testflight.apple.com/join/AShWXMYH Courtesy of u/Cesuva
Controller for HomeKit https://testflight.apple.com/join/W8RcBWhh Courtesy of u/BillyCurtis
Custom Contacts 2 https://testflight.apple.com/join/uOLgKHRN Courtesy of u/RisksvsBenefits
9/29/19 Dark Odds https://testflight.apple.com/join/oyTaqKjv Courtesy of u/RobinBaerheim
Darkroom – Photo Editor https://testflight.apple.com/join/mzR3XvHe Courtesy of u/Vegetapple
Yes // No Day One Journal https://testflight.apple.com/join/NXLBigzY Courtesy of u/BillyCurtis
Debit & Credit https://testflight.apple.com/join/FvufwHrV Courtesy of u/BillyCurtis
Yes // No Deezer https://docs.google.com/forms/d/e/1FAIpQLScFW5Cc0tdycEegIASXWqEn-512i_qTVPlvXoaearB12r35Fw/viewform?c=0&w=1 Courtesy of u/K2rtman
detektor.fm https://testflight.apple.com/join/XocX8UGc Courtesy of u/BillyCurtis
DEV Community https://testflight.apple.com/join/7Wq8VRLQ Courtesy of u/BillyCurtis
Yes // Yes Discord https://testflight.apple.com/join/gdE4pRzI Courtesy of u/TSUTiger
Dog Scanner https://testflight.apple.com/join/OOrSaq4J Courtesy of u/arcangel_06
Yes // Yes Dropbox https://testflight.apple.com/join/LBZaRq4I Courtesy of u/Nicolaspatate
9/18/19 Yes // Yes Email - Canary Mail https://testflight.apple.com/join/oH6AKZC0 Courtesy of u/kamsa6-fojbiz-nesXem
Emma - Money Management https://testflight.apple.com/join/KSO9dtAn Courtesy of u/BillyCurtis
9/18/19 Eternal Love M https://testflight.apple.com/join/4O9GPjMk Courtesy of u/RobinBaerheim
Yes // No Facebook Light https://testflight.apple.com/join/UqEC1ibq Courtesy of u/Birdman-82
Yes // Yes Facebook Messenger https://testflight.apple.com/join/njVWbUm0 Courtest of u/dmbaio
FanFiction.Net https://testflight.apple.com/join/NLrhkf2U Courtesy of u/BillyCurtis
Yes // No Feedly https://testflight.apple.com/join/DcxRQdP9 Courtesy of u/TSUTiger
Yes // No Fenix For Twitter https://testflight.apple.com/join/poQA1Iml Courtesy of u/TSUTiger
FIFA: Gameplay First Look https://testflight.apple.com/join/B0QRLciS Courtesy of u/BillyCurtis
9/18/19 Fight Back to the 80's Match 3 https://testflight.apple.com/join/xt9cIUk1 Courtesy of u/RobinBaerheim
Yes // No Firefox https://www.mozilla.org/en-US/firefox/ios/testflight/ Courtesy of u/syralspiral // Requires an E-Mail Address
FotMob Live Soccer Scores https://testflight.apple.com/join/zEAwGlrV Courtesy of u/BillyCurtis
Freebox https://testflight.apple.com/join/q9vICEOv Courtesy of u/Vegetapple
GAMEE - Play with your friends https://testflight.apple.com/join/WdjtLFsf Courtesy of u/BillyCurtis
Garadget 2 https://testflight.apple.com/join/fdJQnYQ2 Courtesy of u/BillyCurtis
GawkBox https://testflight.apple.com/join/miOgmpZa Courtesy of u/BillyCurtis
GROM - Get Rid of Minions https://testflight.apple.com/join/5k0dF9zs Courtesy of u/BillyCurtis
Yes // No GroupMe https://testflight.apple.com/join/6CcTotfX/ Courtesy of Yours Truly
Yes // Yes Google Apps (Every. Single. One.) (Best find ever) https://previewapps.withgoogle.com/ Courtest of u/ryangoldstein // Click on "Get Access" at the top right of the screen
Yes // Yes Google Chrome Beta https://www.google.com/chrome/beta/ Courtesy of Yours Truly // Click on "Download Chrome Beta" on an iOS device
Guide Meditation https://testflight.apple.com/join/Apcb3YLW Courtesy of u/BillyCurtis
Yes // No Happy Mail for Gmail https://testflight.apple.com/join/Pg9PbgEw Courtesy of u/arcangel_06
Hexer – Hex File Viewer https://testflight.apple.com/join/YqMTA9lr Courtesy of u/Kamik423
Highlights - Export PDF Notes https://testflight.apple.com/join/Abrd4mE4 Courtesy of u/BillyCurtis
9/18/19 Yes // No Hire by Google https://testflight.apple.com/join/pv5dbYgF Courtesy of u/RobinBaerheim
Home Assistant Companion https://testflight.apple.com/join/XCUga7ko Courtesy of u/BillyCurtis
iCertifi https://testflight.apple.com/join/hnyqQHH0 Courtesy of u/BillyCurtis
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submitted by MikeBert97 to iOSBeta [link] [comments]

Major Law Firm (in the wrong type of law) did an analysis of my appeal against the NYDFS BitLicense.

TLDR: The appeal will take place on March 28th, 2019 at 2 pm. https://twitter.com/A78gnstNYDFS/status/1105572458403368961
Contrary to criminal cases, a lawyer in an Article 78 doesn't have to accept the case.
When the New York Department of Financial Services (NYDFS) promulgated the Bitlicense regulation in July 2015, a four month clock to submit a lawsuit starts. When I filed the lawsuit, I could not find a lawyer that knew bitcoin, even less file lawsuit. I filed the latest week possible in October 2015. It took 6 month for the State of New York to do a reply, and then another 6 month for my lawyer to understand it. The reason my lawyer took the case is that the State of New York sent me a reply of 26 pages. A frivolous lawsuit answer is usually a few pages.
The arguments on the original lawsuit became so convoluted for everyone, including to the the judge that they all agree to start a brand new document and the Standing question was addressed.In May 2017, my lawyer rewrote the complaint, in June 2017 the State argue for the dismissal, we replied in July 2017, and in August 2017 we asked for discovery and in October 2017 we are in front of a new judge and she decided that I did not have standing.
(Someone who understand lawsuits - he has about 3,500 - explains what will happen: https://youtu.be/CKvipt04g8s?t=13)

Dear All,

I received this analysis from one of the group that wanted to file an Amicus Brief but their lawyer advised against. I will keep the name of the firm hidden because it's doesn't add anything to the story. Their analysis is worth discussing. The expertise needed in this case is Administrative Law but this firm expertise is in other areas.
According US News best law firms https://bestlawfirms.usnews.com, they are a tier 1 in Bankruptcy and Creditor, Commercial Litigation and Bankruptcy (in the New York and National categories.)
All I can say is that I see that their crypto unit depend on the Bitlicense to exist, the first question I have is whether it make sense to them to advise that I am weak case? At the end of the day, the administrative question is simply whether I have the right to sue. Do I have standing?
In their analysis they write:
rather than its application, the four-month statute of limitations for Article 78 proceedings is not even applicable. See Westhampton Beach Assoc., LLC v. Incorporated Village of Westhampton Beach, 151 A.D.3d 793, 795 (2d Dep't 2017).
But wait! That analysis is based on a 2017 decision. I started my lawsuit in 2015 when that decision did not exist.
The only positive thing about that rule is that the four-month status of limitation is not applicable. According to that ruling of 2017, it's now six-year statute of limitations. Anyone who was affected by the New York decision back in 2014 can potentially challenge the Bitlicense.
Anyway, the appeal oral arguments are scheduled for March 28, 2019 at 2:00 pm. I hope this thread spark a good discussion.
The raw documents are here: http://www.article78againstnydfs.com/raw.php
Regards,
Theo Chino

The lawyers expertise in the Crypto World according to their website:
Digital Smart Contracts, Initial Coin Offerings (ICOs), Token Generation Events (TGEs), Digital Transfer of Property, Digital Currency Regulations, International Regulatory Compliance, Blockchain, Digital Disputes, Tokenization of Assets, Taxation of Tokens, Securities Law Analysis, Data Protection and Data Privacy, Investment and Acquisitions in Cryptocurrencies

The analysis:

We have analyzed the Theo Chino appeal to determine what policy arguments might be addressed to support an amicus brief being submitted by YYYY on behalf of the XXXX. While we very much look forward to working with the XXXX to advance its policy objectives, we are concerned that the facts and circumstances of the Theo Chino appeal are extremely weak and may be suboptimal for any amicus brief being filed on behalf of the XXXX. In particular, it appears that Theo Chino and his company lack standing to prosecute the appeal, and as a result, this appeal appears to not address any significant policy issues that we assume the XXXX is keen on advancing. We are of course available to discuss this further with the XXXX in the event there are any considerations that we may have overlooked.
In connection with our analysis, we have reviewed Appellants' opening brief, the Supreme Court's decision and order that was appealed from, and the parties’ briefing before the Supreme Court o the Defendants-Respondent's motion to dismiss the complaint and Article 78 petition for lack of standing. We also have reviewed key legal authorities cited in Appellants' brief and the briefing below on the motion to dismiss and conducted some further independent research on the issues involved. Our preliminary conclusion is that, based on the factual circumstances of this case - in particular, the fact that the Plaintiffs-Appellants did not complete corporate entity's application to DFS or receive any determination that the challenged regulations even apply to the business - the appeal is not meritorious and does not present an opportunity for a compelling amicus argument, public-policy oriented or otherwise.
I. Factual and Procedural Background
Theo Chino ("Theo") and his company Chino Ltd. ("Chino") challenge the DFS's "virtual currency" regulation (the "Regulation"), which went into effect in June 2015 and, inter alia, required virtual currency businesses to acquire a license and abide by other mandates, such as maintenance of adequate books and records and minimum capitalization requirements. In 2013, prior to the enactment of the Regulation, Theo established a small business to process Bitcoin payments on behalf of convenience stores. Upon the Regulation's enactment, Theo filed for a license under the Regulation on August 7, 2015. He then initiated a pro se proceeding on October 16, 2015 challenging the Regulation, before receiving any response from DFS regarding his application. On January 4, 2016, DFS returned the application stating that it could not be processed because it contained "extremely limited" information and, among other things, did not describe the business in which Chino was or would be engaged and did not specify in what respect, if any, the business involve virtual currency. Thus, DFS explained that it could not determine whether Chino was subject to the Regulation. In response to the DFS letter, Theo discontinued Chino's Bitcoin-related services, although Chino continued as a non-operating business. Thereafter, Theo and Chino retained counsel, which filed an amended complaint and Article 78 petition challenging the Regulation. Defendants-Respondents moved to dismiss for lack of standing.
II. Order Appealed From
On these facts, the Supreme Court, we think correctly, held that the Plaintiffs-Petitioners lacked standing both with respect to the Article 78 petition and the challenge to the constitutionality of the Regulation. With respect to the Article 78 Petition, the Court observed that CPLR 7803(3) allows a petitioner to challenge "whether a determination was made in violation of lawful procedure, was affected by an error of law or was arbitrary and capricious or an abuse of discretion" and here, because DFS did not reach a decision on Chino's application, there is no "determination" for the Court to review. Moreover, the Court explained that a petitioner must exhaust available administrative remedies before permitted to litigate in a Court of law. The Court considered the "exceptions" to this exhaustion principle, which Appellants claim in their appellate brief are applicable here, but determined that the exceptions are not applicable, again because of the petitioner's failure to complete the DFS application. Because of this failure, DFS did not take any action - constitutional or otherwise - that the petitioner could challenge in an Article 78 proceeding. With respect to the plaintiffs' standing on the constitutional challenge, the Court found this was a "much closer issue," but again found that plaintiffs lacked standing. This determination also came down to plaintiffs' failure to complete the DFS application: the Court concluded that the plaintiffs did not show "injury in fact" required for standing because they did not properly apply for the DFS license required by the Regulation. The Court also rejected plaintiffs' economic loss argument because Chino never made a profit before the Regulation and its losses after enactment of the Regulation were consistent with its prior financial history.
III. Merits of the Appeal
In their Appellate brief, the Appellants do not engage, at all, with the Court's determination that their failure to complete an application for a license under the Regulation or submit enough information to allow DFS to determine whether the Regulation applies to their business deprives them of standing. Nor do the Appellants cite any authority that demonstrates that such a failure is not fatal to their standing.
With respect to Article 78 standing, Appellants argue why each of the exceptions to the "exhaustion" principle apply to their action without addressing the fact that, in the first instance, DFS never made a regulatory determination with respect to their business. Setting aside this threshold issue, the authority cited by the Appellants to support the applicability of these exceptions to their circumstances are extremely weak. On their argument that their action is excepted because DFS acted beyond its legislative power, they cite to Bankers Trust, which acknowledges this exception, but found that, in that case that the relevant agency had acted within its statutory authority. For the constitutional exception, Appellants cite only to Martinez 2001 and incorrectly state that, in that case, the First Department found that the exhaustion doctrine was inapplicable. In Martinez 2001, the First Department explicitly found that the exhaustion doctrine was applicable, stating that it was "not convinced that plaintiffs' procedural due process argument is the type of unconstitutional agency action that is exempted from the exhaustion doctrine." Martinez 2001 v. N.Y. City Campaign Fin. Bd., 36 A.D.3d 544, 548-49 (1st Dep't 2007). The cases cited by Appellants on the futility exception are equally inapposite. In fact, Lehigh, seems to demonstrate why, under the circumstances here, exhaustion would not be futile. Cf. Lehigh Portland Cement Co. v. N.Y. State Dep't of Environ. Conservation, 87 N.Y.2d 136, 141 (1995) (finding exhaustion of administrative remedies futile where the agency had "arrived at a definitive position which concretely affected the status of plaintiff's BUD petitions and then communicated that position to the plaintiff" (emphasis added)); see also N.Y. Inst. for Educ. of Blind v. United Federation Teachers' Comm., 83 A.D.2d 390 (1st Dep't 1981) (affirming dismissal of complaint for failure to exhaust administrative remedies where the Labor Relations Board had not passed on the issue of whether the plaintiff was a "public employer" within the meaning of the challenged regulation). Finally, with respect to the irreparable harm exception, Appellant's argument rests on the flawed assumption that the statute of limitations on their Article 78 challenge would expire if they waited for DFS to make a decision on their application. It is the DFS's decision on the application, however, that would trigger the statute of limitations for the Article 78 proceeding, so there is no way that, in awaiting this decision, the statute of limitations for the Article 78 proceeding would expire. In fact, when challenging the actual substance of the regulation, as the Appellants do here, rather than its application, the four-month statute of limitations for Article 78 proceedings is not even applicable. See Westhampton Beach Assoc., LLC v. Incorporated Village of Westhampton Beach, 151 A.D.3d 793, 795 (2d Dep't 2017).
Appellants' argument that they can demonstrate "injury in fact," as required to challenge the constitutionality of the Regulation, is equally problematic. Their argument here rests on the assumption that the Regulation applies to their business; but, as set forth above, DFS never made this determination. As Respondents pointed out in their motion to dismiss, Appellants voluntarily shut down the business before DFS processed Chino's application or issued any sort of rejection, direction or mandate. Thus, any injury to Appellants was not caused by the Regulation. Appellants also rely upon the $5,000 application fee and the costs of compliance with the Regulation to support their claim of injury. As observed by the Court below, however, Appellants did not actually pay the $5,000 application fee (instead submitting a handwritten request for fee waiver). Moreover, as argued by the Respondents on their motion to dismiss, Chinos never ascertained whether the business would need a license to operate under the Regulation, so any claim with respect to the cost of compliance is entirely speculative.
IV. Considerations Relevant to a Potential Amicus Brief
In light of the above, we don't think that we want to submit an amicus brief in this action. Issues related to the regulation of cryptocurrencies that have been percolating as of late (and are presumably of great interest to the XXXX) are not really implicated by this appeal. The issue here is of the Appellant's standing, and the Supreme Court's determination on this issue is based on the fact that, here, Appellants were not the subject of any DFS action or determination, rather than any legal principle that would be applicable to other cryptocurrency businesses. The Supreme Court did not address, and the appeal does not implicate, issues that would be relevant to other cryptocurrency businesses other than the Appellants, such as (i) whether virtual currencies are a financial product or service subject to regulation by DFS; (ii) whether the Regulation is arbitrary or capricious; or (iii) whether the Regulation is preempted by Federal Law. Thus, we do not see a public-policy/interest angle that we could compellingly sponsor in this appeal.
submitted by theochino to Bitcoin [link] [comments]

Opportunity for exposure to an influential audience

New York State Department of Financial Services (the people who wrote the "BitLicense") is looking for public comment on how they should regulate exchanges listing new virtual currencies. Their official post can be found here: https://www.dfs.ny.gov/apps_and_licensing/virtual_currency_businesses/pr_guidance_regarding_listing_of_vc.
Any reputable exchange that wants to service New York customers will follow their rules (Coinbase, Gemini, etc.). New York DFS is looking to create a two pronged framework for exchanges to follow when listing new coins. Namely, they can offer any of the coins on a predetermined list, or they can self certify / petition DFS to approve a token (I believe exchanges must currently gain approval for each new token). Our opportunity comes with the predetermined list.
The BitLicense is generally thought of as a highly onerous and strict piece of regulation. So much so that Kraken pulled out of New York rather than apply for one of these (see here: https://www.coindesk.com/bitlicense-refugees-kraken-shapeshift-ceos-talk-escape-new-york ). If the ability to list NANO was baked into the BitLicense, it would A) make it easier for major exchanges servicing New York customers to list it and B) make every exchange take a hard look at why NANO was chosen to be included on an ultra conservative list (at the moment they are contemplating: Bitcoin, Bitcoin Cash, Ether, Ether Classic, Litecoin, Ripple, Paxos Standard, and Gemini Dollar).
Usually to get an exchange's attention it requires a core team member from the project to reach out. In this case New York DFS is seeking comments from "all interested parties and the general public." Let's show them the power of our community by sending well thought out reasons as to why NANO should be available to list for all BitLicense holders! Comments should be submitted by January 27, 2020 to [[email protected]](mailto:[email protected]). They request using “Proposed Coin Listing Policy Framework” in the subject line.

TLDR: Let New York DFS know why all BitLicense holders should be able to list NANO by sending an email to [[email protected]](mailto:[email protected]) by 1/27/2020 using “Proposed Coin Listing Policy Framework” in the subject line.
submitted by ovz6 to nanocurrency [link] [comments]

NBA Star Spencer Dinwiddie Holds Court on a Coming Recession—and Why He’s ‘Tokenizing’ His Contract

Spencer Dinwiddie has a prediction. No, it’s not about how his Brooklyn Nets squad will fare this upcoming season with Kyrie Irving and, possibly, Kevin Durant.
It’s about what he sees as the inevitable global recession. “We’re going to hell in a handbasket. We are fucked,” he says, citing the United States’ $22 trillion debt, worldwide hyperinflation, lowered interest rates, and the Fed’s potential quantitative easing. “When it drops, it’s hitting hard. Don’t do some wild shit, but be in all the non-correlated spots you can.”
To that end, the 26-year-old point guard has a non-correlated, “recession-resistant” asset to offer you: a piece of his three-year, $34 million contract extension (signed last December) in tokenized blockchain form. Dinwiddie’s venture comes in multiple parts: there’s his new investment platform for sports lovers and speculators, DREAM Fan Shares, where people can purchase a new type of debt security, the professional athlete investment token (aka PAInT). The first-ever PAInT available is Dinwiddie’s own, the SD8, that’s designed on the Ethereum blockchain. The investment round opens Oct. 14 at $150,000 apiece to accredited investors. Investors will receive monthly payments—a portion of Dinwiddie’s paycheck plus interest—beginning in December.
According to Dinwiddie, it’s a win-win situation: He gets more of his contract upfront for his personal use and SD8 holders get a share of his salary, plus interest and the potential for bonuses if he and the Nets play well. Due to legal constraints, he can’t say what those specific bonuses could be, but it’s safe to assume they include the extra money from individual honors, like an All-Star selection, to playoff appearances, which is a near-lock considering the Nets placed sixth in the Eastern Conference last season, before they added Irving and Durant. (Durant, coming off a ruptured Achilles tendon, is expected to miss most or all of the 2019-20 season.) Dinwiddie’s extension offers another potential boon, as it includes a player option that allows him to opt out after the 2020-21 season and sign a new contract at age 28, with SD8 owners receiving a share of the first year of this new payday, should it happen.
“The player option allows me to, hopefully, sign a lucrative deal in my prime, before retirement,” he says. “If you’re in a situation where you’ve played to a level where you can make more money, then you opt out and you make more money. And if you play really poorly, then you opt in and take the money that’s scheduled to be on that piece of paper. That’s the way the NBA works—it guarantees a floor for you.”
Dinwiddie, who enrolled in Harvard Business School’s “Crossover Into Business” program for athletes in 2018, knows this isn’t the first time a celebrity has tried something like this. In 1997, David Bowie introduced Bowie Bonds, in which fans could pay $1,000 for a 10-year stake in the Thin White Duke’s royalty payments, with a 7.9% interest rate. It also seemed like a win-win, with the rock star getting an immediate $55 million that he used to purchase the rights to his older songs and investors figured that people would keep buying Bowie’s music. Then, the advent of MP3s and file sharing nearly killed record sales and the bonds, which eventually recovered thanks to digital sales. While Dinwiddie’s concept is similar, he points out that his token and his scheduled payments from the Nets, which will stay the same whether or not the market crashes, make the risks much different.

Not a Bowie bond

“Bowie was bad timing. He issued a long term bond on the royalties and then music went digital and people started ripping it, so it turned into a junk bond. That was unfortunate but there was no way for him to predict that,” he says. “My offering is a three-year term. We’re not trying to tie people to me for 20 years. Unless the NBA goes out of business in three years, ain’t nothing happening to y’all. Now, how much you make depends on how I play. I want to make a bunch of money too, so don’t worry about that. As long as I don’t do anything really, really crazy off the court, everything’s going to be fine, contractually.”
While investors will have to trust that Dinwiddie handles matters off the court, they can take some measure of comfort in his safeguards. New York cryptocurrency firm Paxos will handle custody and escrow services, and Dinwiddie put $2 million in public reserves, $1 million each in gold and Bitcoin, that he can’t touch during the three-year term. “We set up the reserves and we jumped through every SEC hoop we possibly could,” he says of the eight-month planning process, during which he worked with blockchain consulting firm Saffron Solutions. “We view this scaling to a global solution, but we knew that being first, we had to do it right and we had to be safe.”
The scaling part is key to Dinwiddie. Athletes, artists, influencers, and other entertainers with their various forms of income belong in their own asset class, he says, and he hopes more will follow in his footsteps, creating their own PAInTs on DREAM Fan Shares. On top of the financial cut he’d receive from his equity in DFS, he also hopes it’s as a way for big names, particularly the athletes, to learn some financial responsibility and avoid going bankrupt, a common fate for many pros after they leave the game.

Why Athletes keep going broke

“We’ve done all this fearmongering, ‘Don’t blow your money,’ and a lot of it hasn’t worked,” he says. “People still find themselves four or five years out of the league and needing money, and that’s because you establish a lifestyle you can’t keep up with. Guys don’t want to decrease to a $10,000 a month lifestyle when they’ve been used to $75,000. I’m saying, ‘What if we are able to give them their $10 million upfront, it’s locked in a reserve account, and they live off of their endorsements and interest?’ If the endorsement money was just to have fun but their actual base lifestyle was derived out of interest from their $10 million, they’re going to be in a situation where they can continue that in perpetuity. It’s going to be that drastic shift of what you get used to and what type of habits you can instill in yourself. If you’re a great steward with your money, you can immediately get into VC. If you’re just trying to save money and live off of interest, you can do that, too. Really, it’s built to empower the player.”
The number of players who reached out to Dinwiddie is in the double digits, he says, and while he says he’ll be “judicious” about who’s going to be allowed to work with Fan Shares, it is really “built to uplift all.” He envisions some cases where you can make riskier investments on singer’s album or a player, like betting an NFL player will reach the maximum value of his contract, not just the guaranteed portion.
As the news of all this trickles out, Dinwiddie knows there are plenty of doubters—he’s seen the false reports that he’s tokenizing his entire contract, offering 10-15% returns, inventing his own currency, putting all his money in Bitcoin, and so on—but he’s not fazed.
“This is not something where I’m being radically stupid. I have a family,” he says. “I really believe it’s the birth of an asset class. It’s creating something that’s fun and easy for fans, but also really transparent because of blockchain technology. There’s a real buy-in to the asset and the intellectual property he puts on the court, that canvas that he gets to paint on every every single night when he goes out there and performs. It’s really that simple.”

More must-read stories from Fortune:

Airbnb plans huge IPO in 2020, continuing push by tech companies to go public
—What’s the difference between a recession and a depression? Here’s what history tells us
—Why the next recession may feel very different than 2008
—Why the repo market is such a big deal—and why its $400 billion bailout is so unnerving
—Apple Card: Here are all the credit card’s [3% cash back benefits partners
](https://fortune.com/2019/09/23/apple-card-3-cash-back-reward-benefit-list/)_Don’t miss the daily[_Term Sheet](https://cloud.newsletters.fortune.com/fortune/nloptin?nl=TERM_SHEET&source=LinkStack)_, Fortune’s newsletter on deals and dealmakers._
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A Few Things You Should Know About Getting a BitLicense

The NYDFS rejected Seattle-based cryptocurrency exchange Bittrex’s BitLicense application, and the resulting rejection letter serves as a blueprint for anyone looking to do crypto business in the Empire State.
For securities lawyer Jason Seibert, who has served on several landmark crypto cases, the crux of Bittrex’s rejection letter is on Page 4 in Paragraph D. He says it offers the 10,000-foot view of what it takes to operate a crypto exchange.
“…Bittrex has failed to demonstrate responsibility, financial and business experience, or the character and fitness to warrant the belief that its business will be conducted honestly, fairly, equitably and carefully,” reads the NYDFS rejection letter of Bittrex, which requested that the exchange provide within two weeks of the rejection written confirmation that it had stopped operating in New York State and doing business with its residents.
What’s clear is that anyone looking to operate as an exchange in New York State must abide by the Five Pillars of KYC and AML:
“For instance, you have to be able to know if there’s somebody that’s on a sanctions list or an OFAC list,” explains Mr. Seibert, referencing the Office of Foreign Assets Control. “So, it becomes an issue if an exchange doesn’t even know who their customers are due to the ability for users to create a false name or an alias account.”
Seibert points out that no one is going to win points with the regulator when they allow Elvis Presley to trade, as was the case with Bittrex.
“An exchange must see some form of ID, some sort of registration, some sort of link between an actual person and an account,” explains Seibert. “You can run an actual ID against a database like OFAC to make sure that it isn’t a sanctioned Russian who’s not supposed to be doing business in the United States or someone laundering money through a cryptocurrency exchange because they’ve created a false account. That’s the issue with these anonymous accounts. When you’re looking to be a government regulated entity, you have to follow all the rules. You can’t allow anonymity anymore.”

But, anonymity is the lifeblood of cryptocurrency. And that goal to be able to do things anonymously, to have your money, spend your money, trade your money, and do anything you want without the government knowing, doesn’t fly with regulators.
“The goal for a lot of people in this space is to be able to do things anonymously,” says Seibert. “So, when certain people started finding out that you were going to have to have a verified account with your real name like Poloniex did, a lot of people close their accounts. They go someplace where they can be anonymous.” A lot of exchanges, in addition, were not designed to have AML and KYC control.
“They didn’t know the policy, didn’t do the training, and quite frankly, I don’t think they really wanted to do that because it was contrary to whatever their internal beliefs were,” said Seibert. “In their minds, they’re not there to be the world’s police, and to prevent illegal transactions, money laundering and sanctioned money from traveling internationally. An exchange cannot list tokens without the required due diligence to know if they were security or not, what was being offered, and who was offering them.”
Seibert evokes the Petro cryptocurrency from Venezuela, for instance. “Absolutely sanctioned,” he says. “Nobody in the United States is allowed to buy it or should be allowed to buy it because it’s viewed as getting around sanctions on human rights violations. You’re not supposed to buy Venezuelan oil.”
So, for any exchange, listing the Petro token would be a violation. Same goes for an unknown token with unknown issuers and uses.
“You could start avoiding sanctions by having this anonymous token created that certain parties may be trading back and forth in order to launder money,” explains Seibert.
What’s more, all employees at an exchange must be trained on AML and KYC policies and procedures. In the case of Bittrex, NYDFS said people were not trained and policies and procedures were inadequate. Bittrex said their framework had been approved by outside counsel, but it’s unclear who the outside counsel was and if their compliance framework ran the prescribed way.
“You can have a fully approved and creative plan and you put it on your desk, but then not execute it,” says Seibert. “If they did have an approved framework by competent outside counsel, then how is it that DFS found that their compliance was insufficient?”
Inspiring confidence in regulators about your ability to serve the public in a regulated manner, moreover, is crucial when it comes to getting a license to operate.
“It’s important to demonstrate responsibility, financial and business experience where the character and fitness to warrant the belief that business will be conducted honestly, fairly and equitably,” said Seibert. “Your internal policies need to ensure you’re not going to be laundering money or allowing money from foreign suspected terrorists, countries or organizations that are on the sanctions list. You don’t want to do any business with those people. There’s a duty to basically say who’s behind this? What are they doing? Who’s selling the token?”
In opinion letters that Seibert has written for projects looking to be listed on exchanges, he details the complete background on the company, including who the players are, whether they’re on a sanctions list or not, and more.
Seibert also highlights the importance of a competent compliance officer and the risks of not having one.
“Perhaps, you have a compliance officer, but they didn’t do anything,” he says. “Perhaps there is a lack of training. Every person in the staff who is at minimum operating and working with a transmission of money needs to know what the policies are and what the rules are for filing suspicious activity reports. Every employee, including the CEO, needs to have extensive AML, KYC and BSA training, and everyone needs to be empowered to raise a red flag and file a SAR. Everyone.”
It’s just the nature of the business, he notes. “Employees must be trained and empowered to file this stuff,” says Seibert. “There needs to be an AML, KYC folder on your desk. That’s your training folder. And it’s got all the requirements and statutes in it. You need to have absolute compliance with the law to demonstrate that you’re a reliable and trustworthy person who knows how to run a business. In the case of Bittrex, NYDFS is not saying they didn’t have a program, it’s just saying that it was completely deficient.”
Not only must an exchange have an AML and KYC policy in place, but that policy must also be audited by an independent party. When Bittrex was rejected by the NYDFS, it was demonstrated in the rejection letter that, while Bittrex claimed to have done this, they failed to inform NYDFS who the independent auditor was.
“An exchange’s AML and KYC policy has to be audited and examined by an independent third party,” says Seibert. “In the case of Bittrex, they say they’ve retained an external firm. The department is saying that it would have loved to have seen the engagement letter of who Bittrex’s auditor was.”
He uses the SEC denial of the Bitcoin ETF as an example for entrepreneurs to look at and learn from.
“If I wanted to operate an exchange in New York, then I would be paying attention to what the SEC is saying about exchanges,” said Seibert. “I’m paying attention to what has happened to other exchanges and I want to be the gold star. The Gemini exchange has shown a way forward when it comes to compliance. Running a regulated exchange is not that hard. It’s not like have to create a framework from whole cloth. There are examples already, you just have to execute that.”
He adds: “The SEC declined the Bitcoin ETF because the regulator felt that the bitcoin ecosystem, including its exchanges, were not well-regulated, supervised or had sufficient controls with the ability for regulatory oversight of those exchanges to be able to say that the activity inside of them wasn’t fraudulent.”

site: https://cryptographicasset.com/a-few-things-you-should-know-about-getting-a-bitlicense/
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Fantasy Sports Giant Fanduel Now Accepts Bitcoin Cash

Fantasy Sports Giant Fanduel Now Accepts Bitcoin Cash

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The second-largest fantasy sports provider Fanduel has revealed customers can make deposits on the platform using cryptocurrency. Fanduel members can now top up their accounts with BCH or BTC via the digital currency payment provider Bitpay.
Also Read: More Than 70 Projects and Applications Built Around Bitcoin Cash

Fanduel Adds Bitcoin Payments via Bitpay

Fantasy sports is a hugely popular phenomenon worldwide that experiences more than 10% annual growth and is currently an $8 billion dollar industry. The Fantasy Sports Trade Association (FSTA) has recorded more than 59 million fantasy sports participants throughout the U.S. and Canada alone. Basically, the game of roto or fantasy sports is a tournament of people who assemble virtual teams made up of real players in a professional league. The players’ real-world statistics apply to the fantasy team and people wager on these games every day online. Fanduel is one of the most popular fantasy sport providers on the internet, and on Sep. 3, the company announced that customers can fund their accounts with bitcoin cash (BCH) and bitcoin core (BTC).

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Fanduel members can use crypto with their accounts via the Atlanta-based payment processor Bitpay. The firm’s chief commercial officer Sonny Singh explained that with Fanduel accepting bitcoin, patrons will have access to an alternative form of payment just before the NFL season starts. “NFL Football is one of the most popular sporting events to watch and the start of the football season makes it a perfect time to introduce Bitcoin to these fans,” said Singh. “We wanted to have the option in place for Bitcoin users to deposit cryptocurrency into their Fanduel accounts and take advantage of the daily fantasy sports games.”

Fanduel’s Past Issues With Payment Processors and the ‘Bitcoin Bowl’

People have wanted Fanduel to accept bitcoin for years now and it was discussed back in Feb. 2016 when Fanduel and Draftkings lost a major payment provider. At the time, Fanduel and Draftkings commanded more than 90% of the daily fantasy sports (DFS) market. A few states in the U.S. decided that DFS was a form of illegal online gambling and prohibited residents from using the two sites. One of Fanduel and Draftkings’ payment processors at the time was a firm called Vantiv Entertainment Solutions who decided to end the financial relationship abruptly. Jonathan Ellman, chief transaction and marketing counsel at Vantiv, said it was due to “an increasing number of state attorneys general have determined that daily fantasy sports (‘D.F.S.’) constitute illegal gambling.” Draftkings was upset that Vantiv pulled out of the partnership and claimed Vantiv was under “court order to continue to fulfill its contractual obligation to Draftkings.”
Fanduel and Draftkings didn’t seek out cryptocurrencies at the time but Fanduel has dealt with digital assets in the past. In Jan. 2018 the company had a “Bitcoin Bowl” contest and gave away a total of 3.75 BTC to the winners in a free match. Out of the jackpot, 2 BTC was awarded to tournament players who paid $3 to enter the game. Users had to provide a valid BTCaddress after the playoffs were finished in order to receive the winning prizes. “When your team makes the playoffs, the sky’s the limit — And from what we’ve read online, bitcoin investors know exactly how that feels,” Fanduel’s website read at the time. “So, for week one of the playoffs, we’re giving you two chances to hop on the ultimate bandwagon and play to win some bitcoins of your own.”

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Smaller DFS Platforms and Regulators

That same month, Fanduel surpassed over 6 million registrants and the company’s chief financial officer Andy Giancamilli said he recognized a good portion of the company’s user base had an interest in bitcoin. Moreover, Giancamilli commented that the company had always searched for unique prizes. Even though it’s the biggest, Fanduel isn’t the only fantasy sports platform that accepts bitcoin, as a number of smaller portals offer crypto payments as well. There’s fantasy sports sites and DFS tournaments like Gtbets, MVP Lineup, Fantasy Factor, and No Limit.

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Fanduel is available in the U.S. but the site is banned and blocked in Alabama, Arizona, Hawaii, Idaho, Iowa, Louisiana, Montana, Nevada, New York, Washington, and Texas. The UK Gambling Commission was the first region worldwide to include the regulation of cryptocurrencies and DFS gambling in 2016 and the Isle of Man Gambling Commission followed suit shortly after. At the time, the UK Gambling Commission was the first major regulator to authorize digital currency gambling with KYC/AML guidelines. With Fanduel allowed to accept BCH and BTC for DFS wagers, U.S. regulators may follow behind the U.K. as well.
What do you think about Fanduel accepting bitcoin cash for deposits and DFS tournaments? Let us know what you think about this subject in the comments section below.
Disclaimer: Readers should do their own due diligence before taking any actions related to the mentioned companies, DFS sites, Fantasy Sports vendors, and websites associated with this article. Bitcoin.com or the author is not responsible, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any content, goods or services, products, and vendors mentioned in this article. This editorial review is for informational purposes only.
Image credits: Shutterstock, Fanduel, and Pixabay.
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J.P. Morgan Early Look at the Market – Mon 10.16.17 - **PLEASE DO NOT FORWARD THIS DOCUMENT**

J.P. Morgan Early Look at the Market – Mon 10.16.17

SEC DISCLAMIER: PLEASE DO NOT FORWARD THIS DOCUMENT

Morning Levels

Trading Update

Top Headlines for Monday

Catalysts – big events to watch over the coming months

Full catalyst list

  • Wed Oct 18 – Fed speakers: Dudley, Kaplan.
  • Wed Oct 18 – US housing starts for Sept. 8:30amET.
  • Wed Oct 18 – US building permits for Sept. 8:30amET.
  • Wed Oct 18 – US Beige Book. 2pmET.
  • Wed Oct 18 – earnings before the open: ABT, Akzo Nobel, ASML, MTB, MTG, NTRS, Reckitt Benckiser, SVU, USB
  • Wed Oct 18 – earnings after the close: AA, AXP, BDN, BHE, BXS, CCI, CCK, EBAY, GHL, HXL, KALU, LLNW, SLG, SLM, STLD, TCBI, URI.
  • Thurs Oct 19 – China Q3 GDP and Sept retail sales, IP, and FAI (Wed night/Thurs morning)
  • Thurs Oct 19 – US Leading Index for Sept. 10amET.
  • Thurs Oct 19 – earnings before the open: ADS, BBT, BK, BX, DGX, DHR, DOV, GPC, KEY, Nestle, NUE, Pernod Ricard, Philips Lighting, PM, PPG, Publicis, RCI, Roche, SAP, SNA, SON, Thales, TRV, TSMC, TXT, Unilever, VZ, WBC, WGO.
  • Thurs Oct 19 – earnings after the close: ASB, ATHN, ETFC, ISRG, LHO, MXIM, NCR, PBCT, PFPT, PYPL, WDFC, WERN.
  • Fri Oct 20 – BOJ’s Kuroda speaks. 2:30amET.
  • Fri Oct 20 – US existing home sales for Sept. 10amET.
  • Fri Oct 20 – Yellen speaks to National Economists Club in Washington. 7:15pmET.
  • Fri Oct 20 – earnings before the open: Assa Abloy, BHGE, CFG, CLF, Daimler, DST, GE, GNTX, HON, InterContinental Hotels, KSU, MAN, PG, SLB, STI, SYF, TomTom, Volvo.
  • Mon Oct 23 – China Sept property prices (Sun night/Mon morning).
  • Mon Oct 23 – US Chicago Fed Activity Index for Sept. 8:30amET.
  • Mon Oct 23 – earnings before the open: HAL, HAS, ITW, KMB, LII, Philips, STT, STX, VFC
  • Mon Oct 23 – earnings after the close: ARNC, CR, JBT, OI, ZION.
  • Tues Oct 24 – Eurozone flash PMIs for Oct. 4amET.
  • Tues Oct 24 – ECB bank lending survey. 4amET.
  • Tues Oct 24 – US flash PMIs for Oct. 9:45amET.
  • Tues Oct 24 – earnings before the open: AMTD, Anglo American, BASF, BIIB, CAT, CLB, CNC, CVLT, ETR, Fiat Chrysler, FITB, GLW, GM, INFY, IPG, LLY, LMT, MAS, MCD, MMM, Novartis, PCAR, PHM, PNR, R, RF, SAH, SHW, SWK, UTX, WAT, WDR.
  • Tues Oct 24 – earnings after the close: AKAM, AMP, AXS, Canadian National Railway, CMG, COF, CYBE, DFS, ESRX, HLI, IRBT, IRM, MANH, NUVA, RGC, T, TSS, TXN.
  • Wed Oct 25 – US durable goods for Sept. 8:30amET.
  • Wed Oct 25 – US FHFA home price index for Aug. 9amET.
  • Wed Oct 25 – US new home sales for Sept. 10amET.
  • Wed Oct 25 – Bank of Canada rate decision. 10amET.
  • Wed Oct 25 – Brazilian rate decision (after the close).
  • Wed Oct 25 – earnings before the open: ALK, ALLY, ANTM, Antofagasta, AOS, APH, BA, BAX, BTU, Capgemini, Dassault Systemes, DPS, FCX, FLIR, Fresnillo, HBAN, Heineken, IP, IR, KO, LEA, LH, Lloyds Banking Group, NDAQ, NSC, NYCB, OC, Peugeot, SIRI, SLAB, TMO, TUP, V, WBA, WEC, WYN.
  • Wed Oct 25 – earnings after the close: ABX, ACGL, AFL, AMGN, CA, CLGX, DLR, FFIV, FNF, FTI, KIM, LSTR, MC, MLNX, NOW, NXPI, ORLY, PKG, PLXS, RJF, SSNC, TSCO, TYL, UNM, VAR, WCN, XLNX.
  • Thurs Oct 26 – Riksbank decision. 3:30amET.
  • Thurs Oct 26 – ECB rate decision. 7:45amET press release, 8:30amET press conf.
  • Thurs Oct 26 – US wholesale inventories for Sept. 8:30amET.
  • Thurs Oct 26 – US advance goods trade balance for Sept. 8:30amET.
  • Thurs Oct 26 – US pending home sales for Sept. 10amET.
  • Thurs Oct 26 – earnings before the open: ABB, ABX, Aixtron, ALLE, ALV, Anheuser Busch, APD, Bayer, BEN, BMS, BMY, BSX, BWA, CCMP, CELG, CHTR, CMCSA, CME, COP, Deutsche Bank, ENTG, EQT, EXLS, F, GNC, HLT, HSY, LUV, MMC, MKC, NEM, Nokia, OAK, ODFL, PX, Santander, Schneider Electric, SPGI, STM, TWTR, UNP, UPS, VC, VNTV, WM, XEL, XRX.
  • Thurs Oct 26 – earnings after the close: AIV, ATEN, CB, CDNS, CENX, CLS, EXPE, FLEX, FTNT, FTV, GILD, GOOG, HIG, INTC, LPLA, MAT, MSFT, NATI, PFG, PRO, SGEN, SIVB, SYK, VDSI, VRSN.
  • Fri Oct 27 – China Sept industrial profits (Thurs night/Fri morning).
  • Fri Oct 27 – US Q3 GDP, personal consumption, and core PCE for Q3. 8:30amET.
  • Fri Oct 27 – US Michigan Confidence numbers for Oct. 10amET.
  • Fri Oct 27 – earnings before the open: B, MRK, PSX, SC, TRU, Volkswagen, WY, XOM.
  • Mon Oct 30 – US personal income/spending and PCE for Sept. 8:30amET.
  • Mon Oct 30 – US Dallas Fed index for Oct. 10:30amET.
  • Mon Oct 30 – analyst meetings: CSX
  • Mon Oct 30 – earnings before the open: HSBC
  • Mon Oct 30 – earnings after the close: AVB, CGNX, RE, RTEC, VNO
  • Tues Oct 31 – BOJ rate decision (Mon night/Tues morning).
  • Tues Oct 31 – US Employment Cost Index for Q3. 8:30amET.
  • Tues Oct 31 – US Case-Shiller home price index for Aug. 9amET.
  • Tues Oct 31 – US Chicago PMI for Oct. 9:45amET.
  • Tues Oct 31 – US Conference Board Sentiment readings for Oct. 10amET.
  • Tues Oct 31 – earnings before the open: ADM, AET, Airbus, AMT, Barclays, BNP, CMI, ECL, FIS, GGP, K, MA, OSK, PFE, XYL.
  • Tues Oct 31 – earnings after the close: APC, CHRW, CXO, PLT, WFT, X
  • Wed Nov 1 – US ADP jobs report for Oct. 8:15amET.
  • Wed Nov 1 – US Markit Manufacturing PMI for Oct. 9:45amET.
  • Wed Nov 1 – US Manufacturing ISM for Oct. 10amET.
  • Wed Nov 1 – US construction spending report for Sept. 10amET.
  • Wed Nov 1 – US auto sales for Oct.
  • Wed Nov 1 – FOMC meeting decision. 2pmET.
  • Wed Nov 1 – earnings before the open: AGN, APO, CEVA, CLX, EL, GRMN, HFC, LFUS, Novo Nordisk, ORBK, Standard Chartered, TAP, TRI.
  • Wed Nov 1 – earnings after the close: ALL, BHF, BXP, CACI, CAVM, CSGS, EGOV, FB, LNC, MANT, MET, MUSA, OXY, PRU, QCOM, ULTI, XPO.
  • Thurs Nov 2 – BOE rate decision. 8amET.
  • Thurs Nov 2 – US nonfarm productivity and unit labor costs for Q3. 8:30amET.
  • Thurs Nov 2 – earnings before the open: ADP, AN, BCE, CI, Credit Suisse, DISCA, H, ICE, LDOS, Royal Dutch Shell, Sanofi, Swiss Re, WRK.
  • Thurs Nov 2 – earnings after the close: AAPL, AIG, ATVI, CBS, CRUS, FLR, HLF, JCOM, RMAX, SBUX, UNIT.
  • Fri Nov 3 – US jobs report for Oct. 8:30amET.
  • Fri Nov 3 – US trade balance for Sept. 8:30amET.
  • Fri Nov 3 – US factory orders and durable goods orders for Sept. 10amET.
  • Fri Nov 3 – US non-manufacturing ISM for Oct. 10amET.
  • Mon Nov 6 – Fed’s Dudley speaks at The Economist Club of New York.
  • Tues Nov 7 – RBA rate decision. Mon night/Tues morning.
  • Tues Nov 7 – US JOLTs jobs report for Sept. 10amET.
  • Tues Nov 7 – US consumer credit for Sept. 3pmET.
  • Thurs Nov 9 – US wholesale trade sales/inventories for Sept. 10amET.
  • Fri Nov 10 – US Michigan Confidence preliminary numbers for Nov. 10amET.
  • Tues Nov 14 – US PPI for Oct. 8:30amET.
  • Wed Nov 15 – US CPI for Oct. 8:30amET.
  • Wed Nov 15 – US Empire Manufacturing for Nov. 8:30amET.
  • Wed Nov 15 – US retail sales for Oct. 8:30amET.
  • Wed Nov 15 – US business inventories for Sept. 10amET.
  • Thurs Nov 16 – US import prices for Oct. 8:30amET.
  • Thurs Nov 16 – US industrial production for Oct. 9:15amET.
  • Thurs Nov 16 – US NAHB housing index for Nov. 10amET.
  • Fri Nov 17 – US housing starts and building permits for Oct. 8:30amET.
  • Mon Nov 20 – US Leading Index for Oct. 10amET.
  • Tues Nov 21 – US existing home sales for Oct. 10amET.
  • Wed Nov 22 – US durable goods for Oct. 8:30amET.
  • Wed Nov 22 – US final Michigan Confidence numbers for Nov. 10amET.
  • Wed Nov 22 – FOMC 11/1 meeting minutes. 2pmET.
  • Fri Nov 24 – US flash PMIs for Nov. 9:45amET.
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Bitcoin.com - Official Channel - YouTube URGENT: BITCOIN IS ABOUT TO FLASH A BUYING OPPORTUNITY OF ... News Bits on: Bitcoin in New York New York Times Report: SECRET ‘Facebook Coin’ Set To ... BREAKING: YOU Can Claim $100 In FREE Bitcoin! Plus Other News: Ethereum, Litecoin, Xrp!

The New York State Department of financial services (DFS), the Bitlicense regulator, has published a Greenlist comprising 10 cryptocurrencies for custody and eight cryptocurrencies for listing ... “DFS’s approval today follows our June 2020 announcement for a new framework for a conditional Bitlicense to encourage, promote, and assist interested institutions to have a well-regulated way to access the New York virtual currency marketplace in a way that is both timely and protective of New York consumers, through partnerships with New York authorized virtual currency firms,” said ... New York State’s financial regulator has ordered Bittrex to cease operating in the state after rejecting its application for a Bitlicense. Multiple deficiencies were cited, some of which Bittrex ... New York-based Blockstack, a public benefit corporation has partnered with Lambda School to help students explore cutting-edge technologies as they lay the foundation for their careers – counterpoising tuition fee burden.. Have you heard the news? We’re partnering with @blockstack to provide #LambdaSchool students and alumni an opportunity to earn cash for the #apps they build while they ... Canonical crypto regulator, the New York State Department of Financial Services (DFS) has granted the first “conditional BitLicense” to PayPal for a partner

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Bitcoin.com - Official Channel - YouTube

News Bits on: ­ - Inside Bitcoins New York - Bitcoinist.net Receives Significant VC Investment -­ New Economy Movement Focuses on Equal Opportunities Sources... #bitcoin #cryptocurrency #news #btc #ethereum #eth #cryptocurrency #litecoin #altcoin #altcoins #eos #forex #money #best #trading #bitcoinmining #invest #trader #cryptocurrencies #top #investing # ... Best-selling author and former hedge fund manager James Altucher is not backing down from his $1-million-dollar bitcoin call that he boldly made back in 2017... Bitcoin is one of the most important inventions in all of human history. For the first time ever, anyone can send or receive any amount of money with anyone ... Facebook’s Secret Coin Proof Whales Accumulating Bitcoin Lighting Torch Sent To LinkedIn Founder Steve Wozniak Likes Bitcoin Ripple’s XRP on Coinbase...

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