The rise of the automotive industry is closely linked with technological advances. Artificial intelligence and autonomous systems are being experimented with in new vehicles. Blockchain technology, therefore, is a highly sought after technology in today’s automotive sectors. For instance, IOTA and Volkswagen exhibited a proof-of-concept using IOTA’s Tangle system in autonomous cars.

Blockchain technology contributes to high-tech gadget filled vehicles, and companies like BMW are using the technology to track the cobalt supply they use to manufacture vehicles. Blockchain technology will ensure ethical mining of this cobalt.

Other companies using blockchain technology are Porsche and Mercedes. Mercedes is introducing a safe driving program using the technology that rewards the drivers in crypto, and Porsche already has blockchain apps in store. Daimler AG, made popular by the Mercedes-Benz smart brands has launched a cryptocurrency called MobiCoin which will reward good drivers!

Bosch is one of the top companies with autonomous car patents. The company held 958 patents as of July 2017, closely followed by Audi with 512 patents. As a member of the Mobility Open Blockchain Initiative, (MOBI), Bosch plays an active role in promoting blockchain technology for the future of the automobile industry. The group, also consisting of BMW, Ford, General Motors and Renault will drive for a speedy adoption of blockchain into autonomous driving, payments and ride-sharing.

Brian Kelly, Founder and CEO of digit asset investment firm Brian Kelly Capital Management says –

“This is a tectonic shift in the tech landscape that has the potential to disrupt the growth plans of legacy tech into the auto.”

Because of the complexities of automobile building and inventory, applying blockchain technology to track and monitor the progress of raw materials till the end user will increase efficiency. Toyota Financial Services joined R3CevConsortium in 2016 to leverage the use of blockchain technology as a distributed ledger to reduce costs, increase efficiency and to make the auto-finance a much more transparent network for customers.

Blockchain technology is already being put to use by car manufacturers in supply chain management and for car passports. The future of automobile is being upgraded by blockchain technology.

There are so many ICO’s in the market today, and you might be at a loss to know which ones to invest in. Instead of doing hours of research, here’s an easy-peasy list of a few ICO’s that you could start with:

1. Loci
Previously known as InnVenn, Loci is a digital marketplace for intellectual property. Loci coins will be used to buy and sell patented intellectual property on its platform. You can also use the platform to research the uniqueness of your innovation or idea. The Loci project is backed by venture capital and is built on top the Ethereum blockchain. Loci will remove the long, expensive and complicated process of patenting an idea or innovation.

2. Loomia
Loomia creates soft circuitry that can be integrated into textiles for heating, lighting, and data tracking applications. Loomia will allow users to store their data on a blockchain platform and then sell the data to market researchers. Loomia is highly innovative and believes that people have a right to their personal data, and should be able to benefit from this data. The Loomia technology, called the Loomia Electronic layer (LEL) aloows for collection of data such as “frequency/length of use, number of washes, and environmental conditions”. This data can then be transferred using NFC mobile technology.

3. Cypherium
Cypherium has a solid team from ex- google, amazon and microsoft professionals  backing the development of the platform. Cypherium aims to solve issues of scalability that currently exist in the blockchain technology space. The platform operates on a hybrid PBFT/PoW that allows for faster transaction output without compromising on the decentralization of the platform. The Cypehrium platform allows for smart contract scripting and allows developers to build and test their apps within the Cypherium network. The platform has two layers of governance, one at the protocol level, and the other at the application level. The Cypherium team believes that the platform with help blockchain become more mainstream.

4. Telcoin
Telcoin is operating on a global remittance model. They aim to integrate their cryptocurrency with existing mobile network providers to revolutionize the mobile payment industry by “enabling easy conversion between telecom mobile money, prepaid credit and postpaid billing platforms.” Their business model includes distributing telcoins to mobile providers and have them distribute telcoins to their customers. These telcoins are ‘wallet agnostic’, meaning that they will function with any wallet regardless of its provider.

5. Coinmetro
Coinmetro boasts experience in the field of forex trading that is now expanding to the crypto market. The coin metro platform will act as a comprehensive exchange where you can buy and sell cryptocurrencies, and connect with account managers that use smart contracts to help you manage your crypto portfolio. As they describe it, “ Think Mutual Fund meets ETF meets digital assets meets automated portfolio management”. Coin metro also plans to issue debit cards that will allow traders to withdraw cash from ATM’s based on their crypto wallet balance. They will also have a Tokenized Asset Management platform powered through ethereum based smart contracts. Using their ICO platform will allow for new ICO tokens to be liquid on their main exchange at the end of the ICO stage.

6. MinerOne
MinerOne is a mining company located in Sweden that operates on ethereum based smart contracts and has monthly payouts. Miner One mines Bitcoin, but pays its users in Ethereum. The payouts can be saved or sold as the client chooses. They describe themselves as “a cutting-edge, crowdfunded bitcoin mining operation built and managed by a team of data centre industry experts on behalf of the Miner One Community.” Miner One is located in a mining friendly country and employs all green technology to run their equipment.

7. Feelium
Feelium is a cryptocurrency that has real world applications, and employs smart contracts to facilitate global trade. Additionally, the Feelium platform also provides an optional escrow account that allows transacting users to safeguard themselves while conducting a transaction. Feelium aims to be a decentralized, blockchain based global network, based on mutual benefits for users. Where other cryptocurrencies are choosing to operate in a niche sector, Feelium is a broad platform that can be used by anyone, for any purpose, small or big. The Feelium platform allows for scalability. The Feelium team wishes to “build a platform known for simplicity, security, cost-effectiveness, speed, and create a token that will be recognized as a stable means of payment and exchange”.

8. Shivom
Shivom plans to be the largest hub of genomic data and will issue OMX tokens to users of the platform, so as to give them control of their data. Users can safely store their genomic information on the Shivom blockchain platform. Research companies can then request for this information on the platform, and users can decide if they wish to sell their data, and can even decide who to sell it to, and when. Additionally, users will be able to purchase customized healthcare apps based on their genomic data through the platform. Shivom wants to revolutionize the genomic healthcare industry through their platform.

9. Rentberry
Rentberry is a decentralized home rental platform. Rentberry already has an operational long-term home rental platform. The platform, built on blockchain technology of course, allows user to have a ‘seamless rental experience’. The Rentberry ICI is aimed at allowing crowdsourcing to help tenants unfreeze money otherwise locked in rental deposits. The Rentberry platform already has over 120K users currently, and has processed over 224K properties. All rental agreements will be built through smart contracts on the platform, which will act as a one-stop solution for all rental related activities including applications, rental agreements, property marketing, utility bills, and rental payments.

10. Hurify
Hurify is a platform that wants to facilitate the development of the Internet of Things. The Hurify platform will act as a marketplace for connecting project owners with project managers and subcontractors, as well as hardware and software vendors within the IoT ecosystem. The hurify platform will create an ecosystem of talent matching and amrt contract based project management and e-commerce. 

PCEX is a digital currency exchange platform by Panaesha Capital which will have both cryptocurrency to cryptocurrency and cryptocurrency to fiat money trading. PCEX offers high liquidity and superior trade matching. The exchange will execute trades fast, and for a minimal transaction fee. For additional security, PCEX uses a broker channel; a personal representative to help users manage their accounts. PCEX will be one of the most secure crypto-exchange platforms with a focus on the integrity of data.

Cryptocurrency exchanges usually offer either cryptocurrency to cryptocurrency or cryptocurrency to fiat money trading; not many exchanges allow both. PCEX is a one-stop trading platform which makes it convenience-oriented and open to different types of trades. PCEX is user-friendly and very easy to navigate, even for novices.

With a large platform hosting the trade of altcoins, PCEX ensures fast trading to users through a powerful matching engine. The PCEX matching engine will be able to handle around 2,000,000 orders per second, which means that PCEX will be one of the fastest crypto-exchanges available in the market today.

Traders have to endure feeble customer support on most crypto-exchanges resulting in poor credibility. Alternatively, PCEX employs a broker and sub broker channel to minimize this shortcoming of cryptoexchanges. An additional layer of security is added through this channel and the process enables PCEX to work closely with the traders. In order to comply with current and future regulations, all PCEX clients will have to go through a KYC/AML procedure.

PCEX has only two fees as opposed to the various charges involved in trading on other crypto-exchanges. Traders on PCEX will be charged only a 0.5 % transaction fee in USD and an additional withdrawal fee only applies if the traders bow out from the platform.

PCEX employs limit trading to execute exchanges on the platform. Limit trading allows you to buy an asset at a particular price or lower or sell the asset at a specific price or higher. A specific time period is also attached to the order and if a matching order at the set price (or better) is not found within that period, the primary order is cancelled.

For a smooth trading experience, PCEX offers high liquidity and improved security. PCEX provides a secure platform for cryptocurrency exchange through the Clark-Wilson model of security framework. This framework prevents corruption of data through information integrity. Any breach in the system is easily detectable.

PCEX is built keeping the NSE (National Stock Exchange) format in mind. The platform will be easy to use and will showcase trends in the crypto-market.
For more information about the PCEX Platform:

WEBSITE: pcex.io
REGISTER: http://pcex.io/register.html
TELEGRAM:https://t.me/pcexgroup
Source :- http://www.fintechcryptonews.com/announcement-pcex-will-be-launched-in-q3-of-2018/

Many fantasy based games today have built themselves on paid transactions of items, characters and currency. However, there is a lack of transparency, privacy and flexibility in these game-related transactions. Blockchain technology will help with ownership in games and the technology and bring many other improvements to the gaming world.

Ownership of virtual items

Blockchain technology is the underlying technology behind the most famous virtual asset today; cryptocurrency. It does not take a genius to make the leap from cryptocurrencies to other virtual items, like those in the gaming ecosystem.

By mid-2000’s, gamers were spending 12 hours at a time purchasing virtual gold and ‘farming’ on online games. People were actually buying virtual coins and goods for real money in order to take part in online sagas. However, this practice also resulted in a lot of thefts and frauds.

Using blockchain technology, all transactions will be made secure, transparent and possibilities of theft will be eliminated. The distributed ledger of blockchain technology will keep every person on the database aware of transactions happening within the game.

The technology is the perfect solution to prevent theft on online games and will also make the process simple. The transactions happening within the game are not stored on just one computer, they are stored on a network of computers and they are verified in the same way. The transactions are recorded on every node in the network and will remain intact even when the clients go offline. The cold storage helps where games require customers to be online 24X7 in order to keep the items in their profile intact.

The blockchain network makes trust unnecessary because fraud is near impossible on the network. The application of blockchain technology to gaming is realistic and clever.

Direct use of cryptocurrencies on games

The gold and goods obtained by gamers on online games are rarely useful outside the ecosystem. However, switching to cryptocurrencies as the digital asset used in the game will give gamers an opportunity to actually use the money they work hard to earn, albeit through gaming.

Smart contracts can also be used to confirm the transactions. The code-run contracts will function without manual interference, working on a simple if-then code to regulate pre-determined obligations. The conditions are listed in the contract and shared among the involved parties for verification.

Feelium

Feelium is a tokenized platform that offers smart contracts and escrow services as utility features. Gamers can easily utilize the smart contracts available for free on the website to facilitate trust-less transactions on online games. Feelium tokens can also be used as a means of purchase among the gamers, making the entire transaction easy, fast, transparent and most importantly, secure. Register today at www.feelium.co to learn more about Feelium.

Smart contracts are digital contracts built on a blockchain. Blockchain technology, which is secure and reliable, will ensure that a transaction occurs and cannot be reversed. Smart contracts use computer programming to prompt the next steps in a transaction.

Any business, big or small, can benefit from automation. Digitized escrow services are automated services that act as third parties in the place of organizations. Almost 1-2 % of the value of a property is paid for traditional escrow services just to hold purchase funds until the deal’s end. Digital escrow services cost about a fraction of this amount and are much more reliable.

How can smart contracts and escrow services help a rental business?

Imagine that a person visiting a populated tourist location wants to rent a two-wheeler from a rental agency. In busy locations, rentals are not usually strictly regulated and people usually go by verbal agreements.

There are several ways in which the rental business or the tourist could be affected by a loose contract between the parties. The two-wheeler could be damaged before the tourist uses it, a hidden damage after use could affect the rental agency, the vehicle could be stolen, the agreed amount could be changed on whim, and so on.

 Unofficial deposit amounts are usually made, but how effective are those in a legal situation? Receipts could even be forged.
Something every person in almost any corner of the world has today is a smartphone and an internet connection. Smart contracts are more readily available today than the public are aware of. Now, how can a trusted website be used by the rental agency and the tourist for the two-wheeler rental scenario?

Let us consider Feelium. Feelium is a tokenized platform that offers smart contracts and escrow services as utility features.
The tourist and the rental agency first come to terms about accepting payment through the Feelium escrow account and create the account between them by registering on the platform.

The tourist then avails one of the several smart contracts available for free on the website and lists the various terms of the contract: the condition of the vehicle, the cost of the rental vehicle, the deposit amount, the period of rent, personal contact details and other miscellaneous conditions like theft and accidents.

The amount required in the whole transaction is put in the escrow account and locked there till the end of the contract.
The vehicle changes hands and the deposit amount goes to the rental agency after a trigger from the tourist. The tourist verifies that the vehicle is in a usable condition.

At the end of the trip, the tourist returns the vehicle to the agency. The agency now verifies that no damage has come to the vehicle. The full amount is now released to the agency, prompted by the smart contract.

In this manner, both parties in the rental transaction walk away satisfied. Feelium smart contracts and escrow services provide a mode of trust-less interaction between any two individuals or businesses. The services apply to B2B, B2C and P2P transactions. Register today at www.feelium.co.

Good project.

The Feelium token pre-sale has raised over 3.5 million dollars for their blockchain-based platform. Feelium tokens are the motor of the Feelium platform and can facilitate the use of smart contracts and escrow services on the website. These utility features eliminate the need for trust between parties and users can employ the tokens for international trade. Feelium can be used for both B2B and B2C transfers by anyone with minimal transactional fees.    
Example: In recent years, rapid growth in the blockchain technology has opened doors for trust-less transactions. Digital escrow services available on Feelium completely changes our view of buyer-retailer interactions. We can use Feelium escrow services in conjunction with smart contracts for secure transactions from anywhere across the globe.
Pharmaceutical industries are multi-billion dollar industries, requiring huge transactions on a daily basis. Feelium escrow services are equipped to support these transactions with ease; only a minor transactional fee is applied. Imagine that a pharmaceutical company in the US wants to place an order with a drug manufacturer in Japan. To begin with, the company purchases Feelium tokens and deposits them in the optional escrow account that comes with the purchase.

Using the smart contract templates available on the website, the pharmaceutical company lists the terms of the purchase and sends a copy to the drug manufacturer. The manufacturer verifies the drug pricings, the availability of drugs and the date of delivery. The two parties discuss any changes required offline and finally validate the contract.

The drug manufacturer then ships the demanded drugs and uploads a copy of the shipment on the Feelium escrow account. The pharmaceutical company verifies the shipment and releases any amount required for the manufacturer to pay for the delivery. On delivery, the company rechecks the products against the list supplied and is satisfied that the transaction is complete. With a trigger from the company, payment is released from the escrow account to the drug manufacturer and both parties come away gratified.

If the pharmaceutical company is not satisfied with the shipment, the transaction is nullified; the drug manufacturer pulls back the shipment and the company receives the amount in the escrow account within a pre-determined amount of time. Feelium escrow services will help to greatly reduce many additional parties and extra costs sustained in such a transaction.

Feelium’s goal is to raise 21 million USD by the end of the pre-sale. Typically, investors experience long waiting periods before they can see returns in their investment. This is not the case with Feelium. The Feelium platform is ready and prepared for launch in just a few months’ time. The token pre and main sale funds will go to improving the platform’s many utility features and to reaching all prospective users.

Today, users can sign in to the token’s website, build a wallet and purchase Feelium tokens using credit, debit or bank transfer. The Feelium platform also offers an option to purchase through existing digital currencies like Bitcoin, Ethereum and Litecoin. Buyers can use wallet to wallet transfer to pay through other digital currencies. Feelium offers a private key retrieval system in which users can retrieve their wallet through a request to the admin at anytime.

Feelium requires users to complete KYC/AML procedures before issuing tokens from a central agency.

Feelium aims to be a platform known for simplicity, security, cost-effectiveness, speed, and a stable means of payment and exchange. Feelium wants to build an ecosystem that will lay the foundation for the growth and potential of global trade in the future. The Feelium pre-sale will end soon, after which prices will rise in the second round of token sale.
For more information about the Feelium Platform:
WEBSITE: www.feelium.co


WHITE PAPER: https://www.feelium.co/assets/images/Feelium-ICO-Whitepaper.pdf
ONE PAGER: https://www.feelium.co/assets/images/Feelium%20One-pager.pdf
REGISTER: https://www.feelium.co/register
TELEGRAM: https://t.me/feeliumcoingroup

Fintech has changed the way we interact with financial services. New technology helps us make and receive payments digitally, trade cryptocurrencies and manage investments.

“Fintech is altering our core understanding of what it means to receive a financial service and disrupting areas once monopolized by financial and banking institutions.” – Peter Tuvey, the UK’s first revenue based financial provider, co founder of Fleximize.

Financial services went through a volatile phase, and experienced a downfall in customer confidence in the past decade. Financial technology, thus, boomed at the right time. Due to the era of computer programming, consumers have better expectations from a system that is digitally optimized than one that is manually managed.

Fintech start-ups have been able to achieve great success in this decade due to the technology-embracing generation. In Britain alone, fintech generates more than £20 billion annually. Fintech-startups continue to grow and employ over 60,000 people. Fintech produces more value than any other start-up in the country.

The success of fintech firms show no sign of subsiding, and the sector may soon take over financial institutions that manage the world economy.

Another reason for fintech demand is the growing number of millennials entering the field. Millennials are known for being partial to efficiency, speed and ease of use which are some of the key features of fintech platforms. For example, millennials prefer e-commerce to general stores which is a gold-mine for fintech products. New methods of making payments online are cropping up every day with advances in fintech. These payment methods contribute to online trading and transactions.

Millennials are also open to trust-less transactions; they want to cut out the middle man. Uber, Airbnb, PayPal are some examples of this frame of mind.
Blockchain technology is the newest in secure online transactions. Cryptocurrency and online payment methods are products of blockchain technology. The technology is also used to create digital contracts for P2P transfers.

Smart contracts are digitally enforceable contracts that have a set of pre-determined obligations written into their codes. This means that there is a safe way of exchanging assets, money and cryptocurrencies online without involving a third party.

Feelium is a platform that offers smart contracts and escrow services in return for purchasing tokens. The tokens can be deposited in an online wallet, and secured with a private key. Feelium is a broad fintech platform that supports wallet to wallet transfers, B2B and B2C transactions, smart contracting and also provides escrow services.

Register today at www.feelium.co for more information and to buy Feelium tokens. Pre-sale price of Feelium tokens is $1 USD/per token. The sale is live!

There are so many ICO’s in the market today, and you might be at a loss to know which ones to invest in. Instead of doing hours of research, here’s an easy-peasy list of a few ICO’s that you could start with:

1. Loci
Previously known as InnVenn, Loci is a digital marketplace for intellectual property. Loci coins will be used to buy and sell patented intellectual property on its platform. You can also use the platform to research the uniqueness of your innovation or idea. The Loci project is backed by venture capital and is built on top the Ethereum blockchain. Loci will remove the long, expensive and complicated process of patenting an idea or innovation.

2. Loomia
Loomia creates soft circuitry that can be integrated into textiles for heating, lighting, and data tracking applications. Loomia will allow users to store their data on a blockchain platform and then sell the data to market researchers. Loomia is highly innovative and believes that people have a right to their personal data, and should be able to benefit from this data. The Loomia technology, called the Loomia Electronic layer (LEL) aloows for collection of data such as “frequency/length of use, number of washes, and environmental conditions”. This data can then be transferred using NFC mobile technology.

3. Cypherium
Cypherium has a solid team from ex- google, amazon and microsoft professionals  backing the development of the platform. Cypherium aims to solve issues of scalability that currently exist in the blockchain technology space. The platform operates on a hybrid PBFT/PoW that allows for faster transaction output without compromising on the decentralization of the platform. The Cypehrium platform allows for smart contract scripting and allows developers to build and test their apps within the Cypherium network. The platform has two layers of governance, one at the protocol level, and the other at the application level. The Cypherium team believes that the platform with help blockchain become more mainstream.

4. Telcoin
Telcoin is operating on a global remittance model. They aim to integrate their cryptocurrency with existing mobile network providers to revolutionize the mobile payment industry by “enabling easy conversion between telecom mobile money, prepaid credit and postpaid billing platforms.” Their business model includes distributing telcoins to mobile providers and have them distribute telcoins to their customers. These telcoins are ‘wallet agnostic’, meaning that they will function with any wallet regardless of its provider.

5. Coinmetro
Coinmetro boasts experience in the field of forex trading that is now expanding to the crypto market. The coin metro platform will act as a comprehensive exchange where you can buy and sell cryptocurrencies, and connect with account managers that use smart contracts to help you manage your crypto portfolio. As they describe it, “ Think Mutual Fund meets ETF meets digital assets meets automated portfolio management”. Coin metro also plans to issue debit cards that will allow traders to withdraw cash from ATM’s based on their crypto wallet balance. They will also have a Tokenized Asset Management platform powered through ethereum based smart contracts. Using their ICO platform will allow for new ICO tokens to be liquid on their main exchange at the end of the ICO stage.

6. MinerOne
MinerOne is a mining company located in Sweden that operates on ethereum based smart contracts and has monthly payouts. Miner One mines Bitcoin, but pays its users in Ethereum. The payouts can be saved or sold as the client chooses. They describe themselves as “a cutting-edge, crowdfunded bitcoin mining operation built and managed by a team of data centre industry experts on behalf of the Miner One Community.” Miner One is located in a mining friendly country and employs all green technology to run their equipment.

7. Feelium
Feelium is a cryptocurrency that has real world applications, and employs smart contracts to facilitate global trade. Additionally, the Feelium platform also provides an optional escrow account that allows transacting users to safeguard themselves while conducting a transaction. Feelium aims to be a decentralized, blockchain based global network, based on mutual benefits for users. Where other cryptocurrencies are choosing to operate in a niche sector, Feelium is a broad platform that can be used by anyone, for any purpose, small or big. The Feelium platform allows for scalability. The Feelium team wishes to “build a platform known for simplicity, security, cost-effectiveness, speed, and create a token that will be recognized as a stable means of payment and exchange”.

8. Shivom
Shivom plans to be the largest hub of genomic data and will issue OMX tokens to users of the platform, so as to give them control of their data. Users can safely store their genomic information on the Shivom blockchain platform. Research companies can then request for this information on the platform, and users can decide if they wish to sell their data, and can even decide who to sell it to, and when. Additionally, users will be able to purchase customized healthcare apps based on their genomic data through the platform. Shivom wants to revolutionize the genomic healthcare industry through their platform.

9. Rentberry
Rentberry is a decentralized home rental platform. Rentberry already has an operational long-term home rental platform. The platform, built on blockchain technology of course, allows user to have a ‘seamless rental experience’. The Rentberry ICI is aimed at allowing crowdsourcing to help tenants unfreeze money otherwise locked in rental deposits. The Rentberry platform already has over 120K users currently, and has processed over 224K properties. All rental agreements will be built through smart contracts on the platform, which will act as a one-stop solution for all rental related activities including applications, rental agreements, property marketing, utility bills, and rental payments.

10. Hurify
Hurify is a platform that wants to facilitate the development of the Internet of Things. The Hurify platform will act as a marketplace for connecting project owners with project managers and subcontractors, as well as hardware and software vendors within the IoT ecosystem. The hurify platform will create an ecosystem of talent matching and amrt contract based project management and e-commerce.