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Ingot Coin Review
Since the financial crash of 2008, and the subsequent introduction of cryptocurrency in the form of Bitcoin, numerous developers have worked furiously at putting together innovative projects that could revolutionize the financial industry. Whilst many ICOs were off to a rocky start, if they did not fail entirely, some have managed to come up with realistic proposals for what the future of the economy could look like. One of these is the Ingot Coin ICO, which offers “the first fully integrated Wallet with a Digital Bank, Brokerage, Exchange, Certifier, and ICO Accelerator”. Rather than concentrating on one specific innovation, the team behind Ingot Coin offers a range of products and services that together form a complete decentralized financial ecosystem supported by blockchain technology.
What is Ingot Coin?
The Ingot ecosystem is comprised of eight different components. The IC Digital Bank facilitates all transactions, payments, and settlement within the Ingot ecosystem. The IC Brokerage provides a portal full of opportunities for investors who are actively looking for more trading options. The IC Exchange will provide all users with the possibility of trading in cryptocurrencies as well as fiat money. The IC Wallet is the digital wallet used for storing a user’s fiat money and cryptocurrencies, including the native IC Token. The IC ICO Accelerator is a program designed to campaign for genuine ICO projects, allowing developers to raise funds in an unprecedented way. The IC Crypto Certifier is an educational program designed to teach users about various cryptocurrency ventures in order for them to develop their knowledge. The IC Community will be the gathering place for all users, developers, investors, and enthusiasts, where they can connect and share information about their projects. Finally, the IC Liquidity Pool will serve as an insurance that provides liquidity for fiat money and cryptocurrencies alike, including the IC token.
How does it work?
By utilizing blockchain technology, the team behind Ingot are creating a decentralized and secure system that is a much-needed innovation given the current state of the financial market. The IC Bank will enable transparency by recording transactions on decentralized ledgers. This decentralization is facilitated by the ecosystem’s peer-to-peer (P2P) model. Perhaps most interesting of all, the IC Bank also eliminates the need for transaction fees, even for small transactions. Finally, the IC Wallet provides the users with the peace of mind that their assets are safely stored in an encrypted digital wallet.
What about the tokens?
The IC Tokens will be the native currency used on the Ingot Coin platform and will be available for sale during the ICO. The pre-ICO sale will run from May 1st to June 30th and offers investors a 35% bonus. This means that you can purchase IC Tokens for US dollars at a rate of 1:1 during this period. The actual ICO will run from July 1st until August 11th. Part of the total token supply will be reserved for purposes other than the token sale, such as reserves, development, and marketing.
Check the details on the right-hand side to learn more about Ingot Coin.
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Viva Network Review
Anyone who has ever had a meeting with their bank about a mortgage loan will know that the process is not only long and arduous but also does not always have a very high rate of success depending one’s location and financial situation. In the bigger cities especially, it has become almost an impossibility for younger generations to get on the housing ladder, despite earning an above national income. Viva is an ICO that will attempt to challenge the status quo and revolutionize the mortgage financing systems of the world.
What is Viva?
Viva is a blockchain-based platform that will connect borrower and lender directly, thus eliminating the need for any intermediaries. Rather than going through the long process described above, users interested in lending money for their mortgage can essentially crowdfund their loans via the platform. One of the key advantages of the Viva platform is that this takes the power away from the established financial institutions so that interest rates are governed by the free market and not a few select institutions. By recording all transactions on the blockchain, all parties can rest assured that everything is kept in a secure, decentralized ecosystem.
How does it work?
As with many other ICO projects using the Ethereum platform, the Viva network will be founded on the use of smart contracts. These contracts will serve as the formal agreement between lender and borrower, and ensure that funds only are released if certain conditions are met. This provides a much simpler and more transparent way of doing business. By using smart contracts on an international platform, not only will everyone involved save valuable time and money by circumventing the current bureaucratic systems, they will also have access to a much wider pool of investors and lenders.
What about the tokens?
The native currency of the Viva platform will be the VIVA tokens, which are based o the ERC20 tokens. As such, the Viva network supports Ether tokens as a method of payments. This means that users will use their Ether tokens to purchase VIVA tokens, which can then be used to make deals between borrowers and lenders. Users will naturally have to have access to an e-wallet in order to purchase VIVA tokens, as this is where they are stored.
How are tokens distributed?
The token sale started on April 1st and will last until May 31st, with a total token supply of 4 billion. 50,000 VIVA tokens can be purchased for 1 Ether. The team behind Viva is planning to distribute 75% of the tokens to the public during the initial sale of the ICO. The remainder of the tokens will be distributed to the team members of the ICO, the revenue funds department, the marketing department, as well as to the advisors to the Company.
All in all, this seems like a great initiative that has the potential to simplify the process of borrowing money for your mortgage. Not only will this make the process faster and cheaper, but it will also make it safer for both lenders and borrowers
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Payportal Review
Payments and transfers is the reason cryptocurrencies were invented in the first place, so it is no wonder that there are a lot of ICOs out there specialising in this area. Today we are going to look at Payportal, which is an established company in India about to launch their new blockchain-based platform. This review will have a look at what exactly Payportal is, how it works, and who is behind it.
What is Payportal?
Currently, the company behind Payportal has a platform that allows consumers to process financial transactions between them and service providers online. The service providers can be from any sector, including banks, TV operators, mobile phone providers, utility companies, gym memberships, and so on. The idea behind it is to make life easier for everyone involved, by simplifying the process of paying for services. 
The idea behind the ICO is to utilise blockchain technology to make this process even easier, safer, faster, and ultimately more efficient. Many consumers are currently wasting a lot of time and energy on going to bank branches, government offices, service stations and other locations to pay their bills. Not only does it take time to travel there, but it also takes time to wait in line to be served. When people do get served, the customer service is not always professional, and human error occurs too frequently. This all results in a bad experience, and Payportal offers a solution to that problem.
How does it work?
Users of Payportal will have a digital wallet, which they can link to their mobile phone number. The wallet can then be accessed through an app on the phone, and the users can pay for their services using the wallet. Because payments and transfers are vulnerable to hackers, the team behind Payportal wants to utilise the blockchain to decentralise the operations and the users’ data.
The platform will use PPTL tokens as the native currency, which will be converted from rupees for the purposes of the transaction, and then back to rupees once the transaction is finalised. The platform will also make use of smart contracts, which will enable simple agreements between service providers and their customers. Once the services have been provided, or the goods delivered, the customers is charged and the transaction is completed.
Is it credible?
For many people considering investing in a given ICO, one of the main concerns is always if the project will deliver as promised. Many ICOs make big promises, but does not always succeed in what they set out to do. This is where Payportal is different. Unlike many other ICOs, the company has already been in business since 2011, and is already serving customers in India. The team, which has been working in the payment services sector since 1996, currently counts 21 people. They are working with 80 distributors and over 2300 retailers across India. Last year alone, the company processed transactions worth 500 million rupees. The 2017 figures indicate that Payportal has grown 45% since 2016. This kind of credibility makes the ICO a much safer bet than most other projects of its kind.
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Regular readers of this blog will know that there is virtually nothing that cannot be associated with the blockchain. ICOs have proposed cryptocurrency projects involving real estate, item evaluation, social media, foreign exchange, music, virtual reality, and the list goes on. If it is being traded in, it can be added to the blockchain. It was inevitable that porn would become one of the commodities being traded using cryptocurrencies. Whilst this project does not create a specific community per se, they are providing something of value to the adult content communities.
What is WankCoin?
As the name implies, WankCoin is a cryptocurrency you can use to purchase pornography online. Whilst there is plenty of free pornography online, on sites such as PornHub, there are those who prefer paying for premium content. This is where WankCoin comes into the picture. With this cryptocurrency, you can actually purchase pornographic content online, instead of using your credit card. This is perhaps particularly interesting, as countries such as the UK are now creating policies that require adults to purchase “porn passes” in local corner shops. When faced with either having to use your credit card online or buying a porn pass in a corner shop, a third solution would probably be preferable.
Why not just use your credit card?
There are several advantages to using cryptocurrency in the porn industry. From the consumer’s point of view, there are the privacy and security aspects. As with all blockchain projects, the beauty of WankCoin is that all data storage is completely decentralized, which means that the risk of your data being leaked is very slim. Because it operates using blockchain technology, all users can also rest assured that their anonymity remains intact. Finally, it is not always desirable to use your credit card when purchasing adult content. Many sites are full of spam and spyware designed to use your card details for nefarious purposes. With WankCoin you avoid getting scammed.
What about the content providers?
If you are a content creator in the adult industry, you also have a lot to benefit from when it concerns WankCoin. The porn industry is classified by financial institutions as being ‘high risk’. This means that while your average merchant will pay around 2-3% in transaction fees every time a customer uses their credit card, a porn site will pay 5-7% for the same transaction. There are, of course, other ways customers can pay for content. But carrier billing, which is paying for subscriptions via your cell phone bill, comes out to 25% per transaction. If the customers use PayPal, the figure climbs up to 35%.
Is all this real?
Yes, all this is very real. So real, in fact, that WankCoin is one of the more successful ICOs. They are already an established company and have multiple partnerships with prominent adult websites. Moreover, they have published a white paper (which is aptly titled ‘wank paper’) that very clearly and succinctly expains the rationale behind their project. Who would’ve thought porn could be so professional?
