#App Development Company in Tanzania
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Opportunities in the Sports Betting Industry for Emerging Entrepreneurs
Sports betting is a billion-dollar industry. Even smaller stakeholders like sports betting Tanzania generate handsome revenues to contribute to the nation’s GDP.
Emerging entrepreneurs can exploit the opportunities in sports betting to launch successful businesses. They can leverage the trends in the coming days to stand apart and differentiate themselves from competitors.
What opportunities can entrepreneurs leverage to establish a solid market presence?
Here is a small list.
Mobile Wagering
Smartphones have proliferated in all corners of the world. The cost of mobile data is also becoming affordable with each passing day.
As a result, more people are buying smartphones, even in developing countries. This opens the doors to attracting a broad customer base. Additionally, entrepreneurs can target even remote regions that lack proper connectivity infrastructure.
Mobile apps allow betting companies to get up and close with their audience. They can create high engagement and provide fantastic gambling experiences.
Artificial Intelligence (AI)
AI has revolutionized all industries. It allows businesses to save work and perform tasks that rely on human judgment.
AI has a profound impact on betting activities. It can unleash the power of analytical AI to calculate and adjust odds as the game progresses.
Additionally, AI can help analyze the performance of a team or better. It can even predict the outcome of a match based on several factors, like historical data.
Moreover, AI can scan through data to identify patterns and spot trends. They can influence betting odds and decisions.
Most importantly, it can allow entrepreneurs to automate vital tasks. They will not need human labor to adjust odds or in-play statistics.
Emerging Markets
Gambling was restricted in countless countries even a decade ago. However, the situation is now more favorable with the rise of online betting.
Even orthodox governments are realizing the potential of the sports betting market. They are regulating the activity to earn generous tax and attract foreign investment.
Many countries now have thriving sports betting markets that were missing even a few years back.
This allows entrepreneurs to target and penetrate new markets around the globe. They can foster innovation and growth in the nations that have just opened up to sports betting.
Data and Analytics
Big data has allowed businesses to transform their operations. They can use data to unearth market trends, customer behaviors, and more.
Entrepreneurs can also leverage data and analytics to provide superior services. Insights from data analysis can help them personalize offerings for better appeal and more conversions.
Additionally, they can rely on data to help bettors make wagering decisions. It can also help understand user preferences to refine user experience.
Emerging Technologies
Emerging technologies like augmented reality (AR) and virtual reality (VR) provide more opportunities to entrepreneurs. They can create unique betting experiences by blending the
virtual and real world.
Additionally, wagering can become more immersive and engaging. It can create a whole new dimension in the world of sports betting.
Final Thoughts
Sports betting provides countless opportunities for entrepreneurs to launch successful businesses. From AI to VR, several potential factors promise innovation and profitability.
https://www.tycoonstory.com/opportunities-in-the-sports-betting-industry-for-emerging-entrepreneurs/
#TechBetting#MobileGaming#EsportsBoom#CryptoBet#ResponsiblePlay#AIBetting#FantasyBlend#LocalBets#SocialBets#ARWagers#WomenBet#LiveBetting#SecureBets#NicheWagers#FanBet#SustainableBet#InclusiveBet#RegCompliance#YouthInnovate#EduBet
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Born in Africa to develop Africa. Nala the fast growing money transfer platform, is now available in the European countries. Kenyans in Europe can now send money to kenya easily at zero cost. The fintech startup launched Nala in the UK in 2018 then USA last year 2022. With the App you can send money to Kenya, Tanzania, Uganda, Rwanda and Ghana. Nigeria and other countries will follow in a few weeks. With this expansion, the company hopes to gain a sizable market share from the more than 11 million African migrants living in Europe.
https://join.iwantnala.com/WUIT
SIGN UP
JOIN NALA Money
Sasa ipo EU, UK na USA
Iko fasta na rates nzuri. Tuma moja kwa moja TANZANIA Mobile Money au Bank Account.
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How to Use Bulk SMS in Kenya
Regardless of whether you are running an online business or you just wish to send out mass SMS messages to your contacts, there are a number of bulk sms services that you can choose from. There are several features that you can benefit from if you are using a Kenyan provider. These features include direct connection to the country, and the ability to have your text messages delivered directly to the user's mobile phone.
Robisearch's bulk SMS API gives you instant delivery of text messages
Whether you're looking to promote a new product, announce an event or communicate with your customers, bulk SMS is an excellent tool to use. And, the best part is that it's a cost-effective way to reach your audience.
Unlike emails, which have become overcrowded, text messages are more personalized. This is one reason why they have a high open rate. This can translate to high conversion rates.
You can easily send text messages using a bulk SMS API. These are available through a number of SMS software companies. The API provides a seamless delivery experience and can be integrated with other SMS software.
MobiBiz BULK SMS Service is a user-friendly web-based interface
Whether you're sending customer service messages, or promoting new products, SMS bulk messaging is an easy way to reach a large audience. But there are some things you should keep in mind before you send your first message.
The best SMS apps for businesses are designed to make setting up and using them simple. Some providers even include drag and drop features. These features allow you to build a smart, workflow-based SMS communication strategy. You can also create a free account, and start sending messages within minutes.
Besides offering the tools for sending texts, many SMS marketing platforms have built-in analytics. This helps you track the performance of your message and determine which content resonates with your target audience. This is especially helpful if you're trying to increase customer engagement.
Oramobile
Using Oramobile bulk SMS in Kenya is one of the most reliable ways to promote your business. Oramobile is one of the leading bulk SMS service providers in Kenya, offering the most affordable bulk SMS packages, along with 24 hour customer support, and an interactive dashboard. The company offers multiple routes to send bulk messages, including SMS API, shortcodes, and ring back tones.
The Oramobile service is available to both businesses and individuals. Its online dashboard allows you to manage contacts, create groups, and schedule bulk SMS delivery. In addition, you can view your message traffic in real time and get automated removal of duplicate numbers.
Quest Web
Having a bulk sms system in place is not only cost effective but it is also a convenient way to get your message across to a large audience. It is like having a mobile internet connection. The service enables you to send SMS from any corner of the world. You can send SMS messages up to 850 characters in length. It costs only KSh 0.3 per SMS.
There are a number of companies that offer the service in Tanzania. One of the more notable is the Quest Website Developers. They are a reputable mobile and web development company that specializes in SMS gateways, email, and social media integration.
SMSLeopard
Using SMSLeopard, a Kenyan based service provider, you can send SMS Marketing Campaigns, SMS Payment Reminders and even group texting. It is also one of the leading Bulk SMS providers in Kenya.
The best part is that the services are inexpensive. The average cost of sending a SMS is Ksh 0.65. These services also provide the most effective method of delivering your message to your target audience. The service is available to both corporate and personal clients. You can also order a business account to streamline your communications.
As a matter of fact, the etiquette of bulk sms is to only send promotional messages to non-DND numbers between 9 AM and 9 PM. If you are looking for a cheaper way to communicate with your customers, a good starting point is a subscription to Oramobile. This company has been in business since 2013. Its mobile number databases can help you keep track of your customer's contacts. Its SMS solution can be used to send bulk sms to any number in Kenya.
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These Are Some of the Features Your Mobile App Should Have
There are many causes for the creation of mobile apps. For their business, few people develop a mobile app while others produce a mobile app for monetization purposes. Anyway, although why you are developing an app, certain features can make your mobile app user-friendly and popular. These features, however, may be new to you as a user, but not to the seasoned developers of the mobile apps development. Nonetheless, some of the characteristics will be explained.
1. Search feature
People love it when they find what they require quickly. So, including a search feature will give them that and keep them working your app whenever they need to find something. Many people search using keywords and key phrases, so when designing your mobile app, you may want to keep that in mind. Nonetheless, when interacting with their apps, any of the top app developers should be prepared to explain this feature with you.
2. Responsive design
Your mobile app should be able to work efficiently on any mobile device, and all mobile operating systems should be equally advanced. You may have seen mobile apps giving something like this: "only available on Android." Well, these apps may not be bad, but if you want to enjoy the benefits of developing an app, you additionally need to consider people using mobile devices running on these iOS operating system. Nevertheless, top app developers can quickly and comfortably provide this service.
3. The social media integration feature
Since essentially every mobile phone user has a social media account, you can suggest including social networking sites into your app. And improving social media within your mobile app will present you with the visibility you need in no time. Remember that people like to share almost everything, so combining this feature in your app will get used to it very popular and enjoyable.
4. Push notification features
No doubt the value of this functionality is acknowledged to all mobile app development companies. Yes, a study has explained that this feature can increase user engagement to about 80 percent; isn't it interesting? Yeah, that's how serious mobile users are to this app. With the features of a push notification, you can get new updates from your clients. We can also access information in real-time via alerts.
5. Mobile payment
In your mobile app, you can try to combine quick payment options. Thankfully, app developers promote cryptocurrency and/or digital currencies increase, so you can add bitcoin as a payment method. Payment options for e-wallet are uniformly acceptable. Most mobile apps, for example, support PayPal. You can also get smartphone Bitcoin applications from top developers of apps.
6. Support feature
Sure, another important thing the mobile app requires is a support function; being ready to provide a support point or channel shows you're at the center of the desires of your customers. Therefore, all available support mechanisms such as email support, telephone chat, FAQs, and live chat can be considered (if possible).
7. Offline features
Since most of an app's features require information, some basic features are still operating in an offline mode. So, that function should also be considered. You can also make most of the app features offline work, which will make the users more involved. All you need to do is get in touch with any of the top mobile app developers and see how you can do that.
8. Security
Your mobile app should be able to present your users with a certain level of security. People tend to be at ease with apps that protect their profile and/or data. Even if their data is required, they should be specifically licensed and should not be available by a third party. Okay, apps Development Company knows the significance of presenting user information to a third party and thus ensure maximum security.
9. Feedback feature
Your clients should be able to give input on your app's feelings. In effect, your schemes should also be remembered. Typically, when there is a partnership between an app developer and the consumers, loyalty is the result; that is, the app users will be loyal to you. Also, taking user feedback will let you know where you need it, what your customers want, and how you can respond to their needs.
10. More touch-responsive
Sure, it may sound odd to you. It's not, though, a mobile app development companies. App developers know that much of the time being able to use touch-based apps gives the users a more pleasant experience. Therefore, when creating your mobile app, you might want to note this.
11. Simplicity
This is a different aspect you need to take into account when creating your mobile app. Users of mobile devices love using applications that are intuitive and/or easy to use. Also, the size of the device should not be high enough to consume a lot of information to install. So being able to present a user-friendly mobile app would help to identify the app.
Conclusion:
Finally, the above are some of the features that make an app pleasant, as well as what consumers of mobile phones require from developers of software. A good mobile app, however, should also be error-free and bug-free in addition to these features. Reducing bugs from a mobile app may be difficult; but, if need be, it should be minimal. You may get in touch with us at mobile Apps Development Companies in Kenya for a free quote to develop a mobile app for your business. And helps Business owners to reach more customers who want to change their business towards app development, Blockchain, and Machine Learning Development software. The Company has a very good working environment. To know more about my company, Visit Fusion Informatics. For more queries please send an mail to get a free quote [email protected].
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I DO NOT AGREE TO LOCKDOWN APP, SELF-INSULATING, SOCIAL DISTANCE, TRACKING
I DO NOT AGREE THAT 5G IS INSTALLED IN GROUND WHILE WE ARE LOCK DOWN
I DO NOT AGREE TO BEING COMPULSORY AND COERCIVELY INJECTED UNTESTED POISON VACCINES AND MICROCHIP AND NANOBOTS
I DON'T VOTE CONFIDENCE IN THIS FASCIST TIRANIAN GOVERNMENT TRAITOR WHICH DESTROYS OUR LIVES, OUR
LIVELIHOOD IS OUR COUNTRY FOR A FALSE DEMIC OF PANIC BASED ON A FALSE DISEASE AND FALSE ASSOCIATE
TESTS
RESPONSIBILITY OF THE IDIOTIC AUSTRALIAN GOVERNMENT AND BE RESPONSIBLE FOR YOUR FAILURE TO MAINTAIN
AUSTRALIAN CONSTITUTION, YOUR BETRAYAL DECEPTION AND THE CRIMES YOU ARE COMMITING AGAINST EVERYONE
AUSTRALIANS
DAY OF FREEDOM
SATURDAY 5 SEPTEMBER
All cities and towns in Australia
Be There or you and your children will experience the consequences.
MakeAustraliaHealthyAgain.org
This Australian government no longer represents the Australian people.
This Australian government is now a company with international corporate clients.
This government agenda is funded and controlled by international corporate clients for the benefit of these clients and NOT for us, the Australian people.
This Australian government is blindly following mainland China's dictatorship and terrorizing the Australian people with a totally false panic based on corporate lies about the common cold that has been and will be with us forever. A strategic lure corporate artificial virus was released in Wuhan specifically to create fear and terror around the world.
The Australian government dictatorship has destroyed our economy, is robbing us of our human and legal rights, terrifies us with shocking and unfounded fear and panic, and is creating universal suffering for all Australians, destroying our businesses, assets, our lives and our families.
This is treason.
40,000 Australians have died since the beginning of February this year, 750 from the flu.
Have you heard of these Australians who died?
Nothing Nada Nix.
Has the Australian economy been shut down due to the deaths of these 40,000 Australians? Or even for the 750 deaths from the flu? NO.
What we are being shot 24/7 is a tiny minuscule of these unfortunate old age deaths that are still part of those 40,000, who have comorbid issues aside from old age, who are assigned by a RT- False positive PCR test designed for a totally unproven "flu-like" disease Covid19 that can't even pass Koch's postulates, the gold standard of infectious disease testing.
The President of Tanzania recently received tests for papayas, goats and birds again positive for Covid19 https://bit.ly/3beVera
It is estimated that 3000 Australians commit suicide directly as a result of this shocking campaign of terror and betrayal by the Australian government against us, the Australian people.
They tell us we are in a pandemic. Pandemics are defined by a huge number of people who become seriously ill and die. Where is this pandemic? It's like the emperor's new clothes. Nowhere.
The Australian Government's international pharmaceutical and corporate friends, whose sole focus is monetary profit, have taken over the World Health Organization, which has become Big Pharma's World Department for Marketing and Distribution of Unsafe and Untested Vaccines . Their main goal is to send poisonous, untested vaccines to the entire world population with huge profits.
And all this demic panic was designed to gain total control of the people of the world.
The vaccines have failed. The herd immunity of vaccines is a lie.
Vaccines are poisonous and have never been tested for safety. Australians are now sicker than we have ever been. Autism is skyrocketing. It is estimated that one in two Australian children will be autistic by 2025.
This could bring about the demise of the Australian nation.
4,000 innocent Australian babies and adults were killed directly by injecting vaccines.
1.5 million innocent Australian babies, children and adults, were directly mutilated by injecting vaccines.
There are literally thousands of scientific studies showing that unvaccinated children and adults are much healthier than vaccinated children and adults who have been systematically poisoned by vaccines.
Vaccines contain the most toxic foreign and man-made substances carried directly into our bloodstream, bypassing all of our natural immune defense systems.
Vaccines include both male and female contaminants and DNA from mice, pigs, dead cancerous human fetuses, cows, chickens, monkeys, dogs and worms. They contain live and dead viruses and bacteria that are injected directly into our bloodstream. Vaccines contain aluminum which is scientifically proven to directly cause autism. Vaccines contain many other poisons including formaldehyde, detergent, antifreeze, yeast, preservatives, and metals.
LET SOMETHING BE INJECTED INTO YOUR BODY THAT CAUSES:
Febrile respiratory disease, asthma, multiple sclerosis, chronic arthritis, arthralgia; myalgia, polyneuritis, encephalitis, encephalopathy, subacute sclerosing panencephalitis, Guillain-Barré syndrome, acute disseminated encephalomyelitis, transverse myelitis, febrile convulsions; aphebrile seizures or convulsions, ataxia, polyneuritis, polyneuropathy, ocular paralysis, paraesthesia diabetes, anaphylactic shock and anaphylactoid reactions angioneurotic edema, autoimmune diseases, austism, severe eye infections or loss of vision, severe rash, encephalitis (severe brain reaction), which can lead to permanent brain damage, Severe infection starting at the vaccination site, Death, Hypersensitivity, Panniculitis; atypical measles; temperature; syncope; headache; dizziness; malaise; irritability, Vasculitis, Pancreatitis; diarrhea; He retched; mumps, nausea, thrombocytopenia, purpura, regional lymphadenopathy, leukocytosis, aseptic meningitis.
This is a partial list of the side effects of the measles mumps and rubella MMR vaccine.
Soon you won't be able to go to work, college, school, get your driver's license, go to the supermarket or leave the house without being fully vaccinated. It is already happening in Victoria and Western Australia.
Furthermore, while we are in isolation, the Australian government is stepping up the rollout of 5G, a totally dangerous and dangerous technology that has NEVER been tested for safety.
These politicians are working for international corporate fascist clients and not for you, the Australian people. Their final game is an Australian fascist corporate dictatorship.
The Constitution of Australia clearly states that we, the Australian people, control the government. They are our public employees.
Yet, covertly, the Australian Constitution is devastatingly eroded by these Traitors. They presented themselves as modern barons and lords, illegally bending the laws, paying huge salaries with our taxes, living in luxury and treating us Australians as second-class citizens. They have taken control of your Parliament, the People's Parliament of Australia, which we of the People of Australia have built, paid for and owned.
We are not allowed in Parliament to express our opinion against their international fascist corporate decisions, ladies and gentlemen. The Australian people have banished us from our own Parliament, in a dusty field half a kilometer in front of our Government Building, where pathetically, like slaves, we cry our complaints from afar, to the wind never to be heard.
This is a shocking state of Evil and Corruption in our great Southern Land.
They disown us, the Australian people. They steal our land, our water, our minerals and sell them to their cronies in the international government, in order to line their pockets.
They are selling Australia from under our feet, ladies and gentlemen.
One of our greatest and bravest Australian citizens, our international hero of truth, Julian Assange is allowed to rot in prison in an overseas country, by these spineless Gollums who flock to and get paid by the United States, China and from other foreign countries, and the Antichrist Bill Gates and his cronies who plan to take over the whole world via their fake Panic Demic, based on a false disease, Covid19 and a fake RT-PCR test, all run by their Big Department. Pharma marketing and distribution of untested and poisonous vaccines which can now be called the World Organization of Hell.
Not anymore.
Australia is time for us to rebel
WE DO NOT ALLOW FALSE LOCKDOWN, SELF-INSULATING, SOCIAL DISTANCE, TRACKING APP
WE DO NOT ALLOW 5G TO BE GROUND INSTALLED WHILE WE ARE LOCK DOWN
WE DO NOT ALLOW YOU TO BE INJECTED WITH POISONOUS VACCINES NOT TESTED MANDATORY AND COERCITIVE AND MICROCHIP AND NANOBOT
WE VOTE NO TRUST IN THIS TRAITOR TIRANNIC FASCIST GOVERNMENT THAT DESTROYS OUR LIFE, OUR AID AND OUR COUNTRY FOR A FALSE PANIC DEMIC BASED ON A FALSE DISEASE AND FALSE ASSOCIATED TESTS
RESPONSIBILITY OF THE IDIOTIC AUSTRALIAN GOVERNMENT AND RESPONSIBLE FOR YOUR FAILURE TO MAINTAIN THE AUSTRALIAN CONSTITUTION, YOUR DECEPTION, YOUR BETRAYAL AND YOUR CRIMES YOU ARE COMMITING AGAINST ALL AUSTRALIANS
IT IS THE BIGGEST AGAINST IN HISTORY. And our ridiculously STUPID Australian government is backing it up and controlled by its cronies like banking cartels, Big Pharma, Anti-Christ Gates, WHO which is wholly owned by vaccine cartels and Big Pharma and other NWO players. . Our Australian media is also owned by these same satanic organizations. It is as clear as the nose on our face.
And we Australians for our part are treated like totally brainless animals. All our human rights have been stripped from us, including the right to decide what is injected into our bodies and into the bodies of our children. We can't even move from our homes or visit our friends and families or enjoy parties or sports. Our businesses are being destroyed and taken away from us, as are our homes and other assets. We have been ruined and thrown into abject poverty by our OWN GOVERNMENT. We are fined $ 1,500 for talking to someone.
Where are all the millions of people who die from this fake Covid19?
THEY DO NOT EXIST. THEY MUST "STEAL" DEATH FROM OLD AGE AND DEATH FROM CO-SOFTNESS TO TRY TO STRENGTHEN THE FALSE NUMBER OF "COVID19" DEATHS. PLEASE WAKE UP. HOW CAN YOU ACCEPT THIS ABSOLUTE MADNESS?
WAKE UP and say NO NO NO. Join us on Saturday 30th May at 12pm across Australia. WAKE UP AUSTRALIA. YOU ARE CONNECTED. THEY STAY WHILE YOU. THEY GIVE YOU BRAIN WASH. And what's worse is that this fake Covid19 disease has been defined as "flu-like symptoms" and therefore this FALSE COVID19 will be with us FOREVER. WE WILL LOSE ALL OUR RIGHTS FOREVER.
IT'S THE BIGGEST CRAP LOAD EVER. IF IT WAS NOT SO SHOCK IT WOULD BE ALL JUST A TOTAL MASSAGE. IT IS THE GREATEST SATANIC EVIL SPREADED BY AUSTRALIAN GOVERNMENTS AND IDIOTS AUSTRALIAN MEDIA ALL BY ORDER OF THE NWO, BIG PHARMA, THE ANTICHRIST DOORS AND VACCINE MANUFACTURERS THAT CONTROL WHO, 'THE WORLD HELL ORGANIZATION' acting Department of Distribution Vaccines ..
There is no "pandemic". There is no "Covid19". It's all a Big Pharma marketing spin. A source of disease must overcome Koch's postulates. SARS-CoV2 doesn't come close. The "Covid19" RT-PCR test is false. The figures on the death of "Covid19" are completely false, stolen from old age and deaths from comorbidities. There is no increase in death anywhere on the planet. Just a shocking hypnotic satanic shock. WAKE UP. ALL WAKE UP.
The latest NON-CONTROVERSE evidence of this shocking FRAUD is that global death statistics in the world have not increased and in fact have decreased, eg. in the United States during this fraudulent panic. Statistics on death from old age and other comorbid diseases have been blatantly used to bolster the fraudulent numbers of Covid19 deaths. THIS WHOLE DEMIC OF PANIC IS A TOTAL COUNTER FROM BEGINNING TO FINISH FOR GLOBAL FASCIST SATANIC CONTROL, MANIPULATION, FEAR, ECONOMIC DESTRUCTION, AND MANDATORY VACCINATION.
STAND UP AUSTRALIA AND SAY NO, NO, NO. AND ON MAY 1, THE MANDATORY FLU VACCINATION ARRIVED IN AUSTRALIA
These government idiots don't realize that aside from shocking death, poisoning, side effects and the ineffectiveness of the flu shot in particular, a vaccinated person spreads SEVEN TIMES more flu "viruses" than a person. not vaccinated. For some real facts about flu vaccines visit https://bit.ly/2zFElJb https://bit.ly/35aj1XI
LET SOMETHING BE INJECTED INTO YOUR BODY THAT CAUSES:
Febrile respiratory disease, asthma, multiple sclerosis, chronic arthritis, arthralgia; myalgia, polyneuritis, encephalitis, encephalopathy, subacute sclerosing panencephalitis, Guillain-Barré syndrome, acute disseminated encephalomyelitis, transverse myelitis, febrile convulsions; aphebrile seizures or convulsions, ataxia, polyneuritis, polyneuropathy, ocular paralysis, paraesthesia diabetes, anaphylactic shock and anaphylactoid reactions angioneurotic edema, autoimmune diseases, austism, severe eye infections or loss of vision, severe rash, encephalitis (severe brain reaction), which can lead to permanent brain damage, Severe infection starting at the vaccination site, Death, Hypersensitivity, Panniculitis; atypical measles; temperature; syncope; headache; dizziness; malaise; irritability, Vasculitis, Pancreatitis; diarrhea; He retched; mumps, nausea, thrombocytopenia, purpura, regional lymphadenopathy, leukocytosis, aseptic meningitis.
This is a partial list of MMR vaccine side effects.
LISTEN TO THE IDIOTIC AUSTRALIAN GOVERNMENT
THIS PANIC DEMIC IS ABSOLUTELY FALSE. There is another program, World Fascist Control. Compulsory vaccination. The test is false, the SARSCoV2 is a smokescreen, the death numbers are false. And even with their false death numbers, millions of people are NOT dying. There is no pandemic. WAKE UP AUSTRALIA
SEE YOU ON SATURDAY MAY 30 AT 12 PM. BE THERE OR PREPARE TO LOSE YOUR AND YOUR CHILDREN'S LEGAL AND HUMAN RIGHTS FOREVER.
Please spread the Word.
AUSTRALIAN BROADCASTING CORPORATION WHILE ON VACCINE SCIENCE
THE CONFERENCE IN CANBERRA IN SEPTEMBER AND THE DEMONSTRATION AT THE HOUSE OF PARLIAMENT WERE A GREAT SUCCESS
HERE ARE SOME LINKS
Video of the Canberra Rally
AVN article and media
Conference details
The World Health Organization lied to us
PLEASE DEMONSTRATE IN YOUR TOWN AND IF YOU CAN, COME SHOW OUTSIDE AUSTRALIAN FEDERAL PARLIAMENT IN CANBERRA WHEN WE DO IT AGAIN, FOR YOUR RIGHTS TO DECIDE WHAT YOU PUT IN YOUR BODY AND THE BODIES OF YOUR CHILDREN. PLEASE SPREAD THE WORD. WE MAKE A STRONG AND CLEAR STATEMENT FROM AUSTRALIAN MOMS, DADS AND CHILDREN
WE STARTED AN AVAAZ PETITION:
HOLD A SURVEY ON THE AUSTRALIAN GOVERNMENT'S VACCINE POLICY AND / OR A ROYAL COMMISSION
Avaaz Petion - Sign and share
PRESS RELEASE
AUSTRALIA TO HOLD THE GOVERNMENT RESPONSIBLE FOR THE DEATH AND INJURY OF AUSTRALIAN CHILDREN, CHILDREN AND ADULTS FROM THE CURRENT VACCINATION PROGRAM.
Make Australia healthy again
makeaustraliahealthyagain.org
Vaccines have NEVER been tested for safety.
It is estimated, using the Australian Government's DAEN Vaccine Injury database (Database of Adverse Events Notifications), that 4,000 innocent Australian infants and adults, indigenous and otherwise, have been killed by vaccinating in Australia since 1989.
1,500,000 innocent Australian babies and adults, indigenous and otherwise, have been maimed and paralyzed by vaccine administration in Australia since 1989.
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One of the Most Overlooked Systems for Antigua and Barbuda E Visa
The major reason travel agents can get improved airfares is they can buy wholesale tickets direct from the airline. All airport transfers are the portion of the package, no excess fee is necessary. In case you have any further questions, please don't hesitate to get in touch with us.
https://es.ivisa.com/antigua-and-barbuda-e-visa
Key Pieces of Antigua and Barbuda E Visa The History of Antigua and Barbuda E Visa Refuted Also tailored particularly for nomads, easy to extend your policy if you wish to stay longer, and it's simple to claim online. When you have confirmed the details, you'll be prompted to put in your credit card details for our service charge. In case you have any further questions, please don't hesitate to get in touch with us.
The Basics of Antigua and Barbuda E Visa At length, individuals should make certain that their services are pocket friendly. On the flip side, a number of the passports I listed above won't get you anywhere readily, except the nation of issue. Additionally, it is a location where you can have unique experiences without costing too much!
All they have to do is design and set an order. This new air service includes unique benefits. There's also a terrace over the building where you are able to experience the views outdoor.
Ideas, Formulas and Shortcuts for Antigua and Barbuda E Visa Anguilla is among the more compact island destinations in the Caribbean and you are able to explore it fully in a few days. Matches are available almost anywhere on the island, at nearly every moment. Our favourite romantic destination must be the Seychelles.
This is the ideal tour opportunity to people who want to go through the marvels of Tanzania national parks to find different animals over there. The crater has developed into a distinctive and integral portion of Tanzania's eco-system. Because of the presence of casinos, Antigua has come to be a favorite destination for gambling over recent years.
There are difficult and important questions that will need to get answered on how to cope with dislocation expenses and the way to bring all into the advantages of trade. The price of property tax, registration, processing fees have to be paid in addition to the property value! 1 aspect you have to be careful about is money.
A Secret Weapon for Antigua and Barbuda E Visa In no time, they started flooding on ecommerce websites to buy t-shirts to show support towards the movement. After all, there's no planet B! Learning how to trust our AI Maybe the solution is a little everything.
This site and the simplicity of process make it look just like you really want people to pay a visit to your nation. While people in service might seem somewhat greedy and not so nice occasionally, you ought to know that people from areas that aren't related to tourism are astoundingly lovely. You get to visit a lot of beautiful places in a calm way.
The Tried and True Method for Antigua and Barbuda E Visa in Step by Step Detail If you don't already speak Spanish, think about learning some essential phrases ahead of your trip. Original and ideal for a couple's getaway, this option of lodging will permit you to benefit from nature whilst cocooning near the wood fire upon nightfall. For instance, if you want to pay a visit to Japan on your way to Manila.
The Pain of Antigua and Barbuda E Visa Besides cost and degree of work, there are two questions that you have to ask about another citizenship. Most countries ask you to make a certificate stating that there are not any Canadian impediments to your marriage. Embassy in Bridgetown, Barbados Most U.S. citizens most likely don't spend much time contemplating the function of the U.S. Department of State, though our actions have an immediate effect on their security and welfare.
Travel is a little bit of a double-edged sword. Weather bot can inform you about weather. Baby flannel is an additional sort of flannel that's utilized to tailor the clothes for the little ones.
The procedure is pretty simplebased on your application, you're going to be asked a few questions regarding your work, how many times you travel, why you require a TSA Precheck, and so forth. All chat web UIs update their display to take out the user from the monitor. OpenXcell, a top app development company has all of the technical chops in place to come up with a bot for your organization.
Things You Should Know About Antigua and Barbuda E Visa Following that, you're all set for 5 decades! In case you have clients in a nation, attempt to learn as much as possible about the nation first. The significant difference with Portugal and the remaining portion of the countries on the list is an individual need to get a Residency card in Portugal and take care of the card for a period of five years, subsequently obtain Permanent Residency and following year 6 they could be qualified to make an application for Portuguese citizenship, provided they have a simple understanding of Portuguese language.
Armed with the correct skills, you're secure the opportunities and skilled recognition that you've earned. What you do largely depends on which kind of experience you're searching for and how adventurous you are (or would like to be). So, local food makes all sorts of sense and is increasing in popularity.
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The Complete Payment Solution you need to thrive in the Global Economy
Flutterwave is a trusted online payment gateway in Nigeria focused on providing individuals and businesses with seamless, intelligent and secure online payment solutions.
Founded in San Fransisco in 2016 with an office in Lagos, Flutterwave now has an operational presence in Nigeria, Uganda, South Africa, Tanzania, Ghana, and Kenya. In 2018, Flutterwave announced its entry into the United Kingdom and Zambia after obtaining licenses for payment processing and electronic remittances.
Flutterwave boasts of thousands of merchants all over the world with over 100 million transactions worth billions of dollars since inception. Through partnerships with international brands like PayPal, Transferwise, Alipay, Shopify, and VISA, Flutterwave strives to connect its customers with the global economy with ease.
In 2018, Flutterwave got ISO 27001 certification which means Flutterwave has internationally acceptable practices and processes including a robust business continuity plan.
It is worth mentioning that Flutterwave is continuously using technology to shape Africa’s digital economy. In recognition of providing efficient business payment solutions across Africa, Flutterwave received the ‘Best Payments Company’ at the 2018 Ghana eCommerce Award ceremony.
Flutterwave products like Rave, Barter, and Moneywave are modern online payment platforms tailored to drive financial inclusion in the global economy. Whether you are thinking of how to manage your personal finances or looking for the right technology to build and grow your business globally, Flutterwave has a payment solution for you.
Rave by Flutterwave
Rave is unarguably the easiest way for merchants to make and receive payments from anywhere in the world. Rave is used by giant companies like Uber, Booking.com, Flywire, Jumia, Arikair, OjaExpress and several small and medium businesses across Africa. Currently accepting over 150 currencies from over 26,000 merchants, Rave is the ideal merchants' marketplace.
Ravepay offers merchants a fully integrated end-to-end payment gateway with no additional operational cost required and the best technology to achieve zero failed transactions.
Merchants can easily get started on Ravepay with no setup or monthly fees and have control over the acceptance, settlement and transaction analysis process. A reasonable fee is charged per transaction through multiple payment collection channels like;
- In-person through sales mode and the Rave dashboard
- App or Website by installing Rave plugins that allow integration with e-commerce platforms like Alipay, Shopify, Magento, and Woocommerce; SDKs and libraries for customized Apps and websites
- Social media using Rave instant payment links from Instagram or Facebook feeds.
Rave merchants can receive money from customers through:
Credit or Debit cards like Visa, Mastercard, and Verve.
Bank Account Payments from the U.S., Nigeria, and South Africa.
Mobile Wallet Payments on MTN, M-Cash, M-Pesa, and TIGO
How to start and grow your business with Rave
1. Develop a business idea- Identify a need or find a solution to a problem.
2. Conduct a market survey- study your potential customers and how best to serve them, look around for competitors and learn from them.
3. Create a business plan - Set measurable goals and how you intend to achieve them.
4. Raise enough capital
5. Register your business for easy identification
6. Start your business online, in-store or even both.
7. Visit Rave by Flutterwave to create a free Rave account and select a payment feature that meets your needs in less than 5 minutes.
8. Display prices and accept local or global payments in your customer’s preferred currency.
9. Receive payments in your app or website, on social media or in-person through debit or credit cards, bank accounts, and mobile wallets payment in any currency.
10. Manage your funds, expand and pay vendors globally to grow your business.
Already have a business and you want to grow it? Switch to Rave by Flutterwave, accept payment from multiple channels and give your customers the best possible payment experience.
Pros
Cost-effective, all in One Dashboard.
Accept payment from all channels where your business thrives.
Enjoy well managed 24/7 customer support from Flutterwave for even bigger solutions.
Cons
Rave account verification after creating an account might take time so the earlier the better you create a Rave account while deciding to start your business.
Barter
Need a better (financial) half? Get Barter App. Barter by Flutterwave is a payment platform that allows you to manage your personal finances better.
Whether you are sending money to friends, buying airtime, paying utility bills, internet subscription or saving for your next big project, use Barter.
With Barter, you can add your personal bank account to your app dashboard and monitor your funds in your local currency.
Sign up for Barter on the website or download the GetBarter App to join over 30,000 people already using Barter to make their lives better.
Pros
Easy and efficient way to monitor your spendings.
Allows funding through card or bank accounts and bank transfers.
Access to easily repayable short-term loans.
Cons
Allows local currency transactions only.
- Editing of profile and other personal details used in signing up may take time so be careful when signing up.
Moneywave
Moneywave is an omnichannel payment solution that allows you to build customizable money transfer platforms, online banking, mobile banking, and Artificial Intelligent solutions.
Similar to Rave, Moneywave allows you to send money from
- VISA to bank accounts on Mobile
- Bank accounts to VISA on Mobile
- Verve to Discover on ATM
- Discover to Verve on Chat boxes
- Mastercard to Mastercard on Web
- AMEX to AMEX on different bank channels
Sign up for Moneywave to get started.
Flutterwave Developers
Flutterwave is currently home to thousands of developers who have over the years built APIs with easy to use plugins, SDKs, and libraries for the integration of customized payment solutions. Interestingly Flutterwave developer community also offers other developers a playground with the aim of continuously improving the standard of payment technology in the Fintech industry.
The future is all bright for Flutterwave as Olugbenga GB Agboola, the CEO at the beginning of the year reinstated their commitment as a customer-focused brand striving to give their customers the best possible checkout experiences at all times.
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Products & Case Studies | Lead Generation Marketing Campaigns | Web Development Company
Automate your business with Bizhawkz IT Solutions Pvt Ltd. to boost your revenue, increase your profits and expand your business with confidence and efficiency.
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Why develop a mobile application?
How is it that mobile applications can offer totally different functionality than web interfaces? There are multiple useful features that are exclusively available on mobile applications. The following are two major reasons why you need to develop mobile application for your business
Push notifications
There are two forms of smartphone app alerts: push notifications and in-app alerts. They are both attention-grabbing options that connect in a relatively non-invasive way for smartphone users. In-app alerts are alerts that can only be accessed by users when they open an app.
On the other hand, push notifications are displayed to users regardless of the operation they are currently performing on their mobile device. This is a powerful way to grab the user’s attention; in fact, there have been some cases where push notifications delivered click-through rates of 40 percent or higher.
It goes without saying that the notification campaigns have to be thoughtfully prepared. Users will resent being constantly pinged by notifications that don’t deliver urgent or relevant information.
Push notification makes it possible to grab the attention of your customers for instance notifying them about the offers and discounts on a weekend
Ease of personalization
Mobile apps give you the liberty to personalize the user experience on the basis of their preferences, location, usage patterns, and more. With mobile applications, it’s easy to present consumers with a highly personalized interface. In addition, a mobile app can also allow users to customize the app’s appearance as per their preferences.
How to choose the right developers for your mobile application
Statistics from the Google Play Store show that over 60% of the apps on the store have never been downloaded; over 35% of them are downloaded but are inactive. This means mobile app development needs not only the skills of a mobile developer but also a multitude of disciplines to realize a successful app. To achieve a successful mobile application, you need to work with a reliable mobile application development company.
Article By Glitex Solutions Limited
Which company is best for mobile application development in Kenya and East Africa?
Glitex Solutions Limited is Kenya’s Top & Best Mobile App Development Company in Nairobi, Kenya. Our team of expert is skilled in Android & iOS mobile apps development. We develop mobile applications at affordable prices. Whether you are in Nairobi Kenya, Ethiopia, Somalia, Rwanda & Tanzania Glitex Solutions Limited will serve you. We are a comprehensive mobile app development company that helps you to develop and maintain Mobile Applications for both Android and iOS. We develop user-friendly and secure mobile apps for any type of businesses model.
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The Importance and Role of Artificial Intelligence in App Development
Due to the request for access to information on the motility, the mobile app has grown popular. Most mobile app Development Company knows this need. They build mobile applications designed to meet the requirements of users and explain them. The truth is; these applications have modified lives in the health, banking and food sectors.
There are no division externally helpful mobile apps designed to meet the requirements of this sector. Today, mobile apps are presently an integral part of human life. As a result, application developers are viewing techniques to offer something new in their applications. The truth is; there is intense opposition among application developers to excel. Therefore, you necessity combine artificial intelligence into your application to hold out. With this, application users can have an outstanding personalized action with many more.
Artificial intelligence applications can explain data and provide information that knows the main ways of application users. These applications have the mental ability to create meaningful results without human help. They can adapt to produce uniform results even when exposed to a new set of data. This is disturbing because it allows you to stay ahead of your competitors. Most mobile app Development Company know this, so they use AI to produce transparent applications.
What is artificial intelligence (AI)?
This technology adjusts on the development of intelligent machines that can explain human tasks. He intends these smart machines to work and respond to tasks like humans. Thus, AI helps these machines to simulate human intelligence.
Artificial intelligence is a great change. This technology is simple in its problem-solving capabilities. It has wide use in the domains of speech recognition, banking, and education. The truth is; Applications built into the AI will increase application performance and success rate.
Today, most mobile app Development Company view AI as an integral member of application development. These developers program applications that promote learning, thought, and planning characteristics. Other features of these applications are knowledge, perception, and the ability to manipulate data. Thus, it creates a seamless experience for application users, which channels to improved satisfaction.
See More - How Artificial Intelligence is affecting Mobile Application Development
Importance of AI in mobile app development
The use of AI in mobile application development has approved applications to imitate human intelligence. These applications have completed tasks that replicate human intelligence in machines. Here are some important features of integrating artificial intelligence into application development.
1. AI enhances accuracy and perfection in mobile apps
The integration of artificial intelligence into mobile apps improves the accuracy and completion of mobile applications. The truth is; you cannot allow designing applications that are full of errors and low accuracy. The mobile apps industry grows on accuracy and perfection without the risk of error. Thus, most application development companies need to integrate AI into their applications. The truth is; Artificial intelligence is best adapted and produced for the accuracy and perfection required in applications.
2. AI enhances the completion of monotonous tasks in efficient and effective ways
It is disturbing if you use mobile apps that make tasks over a long period. This speaks of a lack of creativity and ability following in a waste of time. Combining AI into the app development process command help save time. This practice will begin the achievement of specific tasks in your mobile apps with ease. With this, most app development companies will save time given on building apps. AI will complete tasks in innovative ways while solving real-time problems in your app. Thus, it completes uniform tasks on time efficiently and effectively.
3. Enhances customer satisfaction
The integration of artificial intelligence development of mobile applications will increase customer satisfaction. The truth is; Artificial intelligence will use approved human behaviors from application visits to attack users of applications. The truth is; with AI, you are sure to obtain specific recommendations and suggestions. With built-in AI applications, application users do not need to search for information. AI can help them find objects without users seeing for them. The truth is; AI will look for information and present it to users of the application. Thus, it increases customer satisfaction. That's why most application development companies use AI in application development.
4. Enhances your daily operations
Artificial intelligence has observed its way into nearly every sphere of life. This different technology, once combined with applications, can enhance our daily lives. In the areas of travel and tourism, Ai integrated applications can quickly identify areas to visit. In education, these apps can improve the learning experience. The truth is; the integrated AI application will improve your day-to-day operations. For example, you do not need to access all the letters of a word, the AI can predict for you. Moreover, such applications can help design and improve your spellings. Apps built into AI can identify your face and notify you when your photos are posted online. In the medical field, these applications can assist in the treatment and diagnosis of diseases.
5. Enhances personalization
Mobile application combination with AI increases customization. With this technology, applications can simply understand human behaviors. Thus, AI applications can present you with the required information about the choices of the users of the application. AI applications increase the predictive response, which in turn improves personalization. As a result, it performs the decision-making method easy to meet the needs of the target audience.
See More - Top Artificial intelligence app development trends in 2019
Conclusion
The importance of artificial intelligence in the development of applications is undeniably huge. It gives mobile applications with exceptional features for an enhanced and personalized experience. The truth is; you'll stay well beyond and ahead of your competitors with the applications built into the AI. With these applications, you can command the user's engagement of the application utilizing custom content. You may get in touch with us at Best Mobile Apps Development Companies in South Africa for a free quote to develop a mobile app for your business. And helps Business owners to reach more customers who want to change their business towards app development, The Company has a very good working environment. To know more about my company, Visit Fusion Informatics. For more queries please send a mail to get a free quote [email protected].
For more details visit:
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France.
In celebration of the Fine art of Manliness' love for the carefully crafted, separately brought in soft drink, today our company come back to our soft drink customer reviews. Waterfront Area Diabetes mellitus Collaborative: this local area Southern The golden state group intends to purchase devices for their yearly Together Our experts Can!" activity, a free of charge seminar that consists of wellness screening process and education on healthy living with diabetes, and deals with the psychological element from dealing with diabetes mellitus. Be this painful or really good, the hours as well as years you devote with her-- or do not devote along with her-- modification that she is actually. Start guys, our experts children require you! Each of the eight tocopherols and also tocotreniols develop typically in an assortment of meals, whereas d-alpha-tocopheryl succinate is manufactured as well as often made use of in food development to prolong shelf-life. 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Life Clips Subsidiary Belfrics Announces Plans For
AVENTURA, Fla., Jan. 06, 2022 (GLOBE NEWSWIRE) — Life Clips, Inc. (OTC Pink: LCLP) (the “Company”) announced today its Belfrics subsidiary plans to increase its office footprint and significantly expand its workforce in India. Belfrics office in India is located at KMJ ARCADIA, #15, 2nd floor, Industrial Main Road, 5th Block Koramangala, Bangalore – 560 034. Belfrics expects as much as 30% of its cryptocurrency business could come from India, and its cryptocurrency platform includes Bitcoin (BTC), Ethereum (ETH), Ripple (XRP), Litecoin (LTC), Bitcoin Cash (BCH) and Belrium (BEL), among others.
In August 2021 Life Clips acquired Malaysia-based Belfrics, and at the time, announced expansion plans to grow its cryptocurrency exchange and platform, along with its blockchain marketing pipeline. Belfrics has 10 operational offices in Malaysia, Singapore, India, Kenya, Tanzania, Nigeria, Bahrain and UAE, and is licensed and regulated by the Labuan Financial Services Authority (LFSA) in Malaysia. India’s crypto market grew 600% over the past year, making the country one of the fastest growing cryptocurrency markets in central and southern Asia. As a result of this growth, Belfrics expects to generate more than 30% of its monthly revenue from India. Belfrics office in Bangalore should be the company’s largest office among its teams in Labuan, Kuala Lumpur, Nairobi, Kinondoni, Dubai, Abuja, and Singapore.
Praveen Kumar, CEO and Founder of Belfrics Group, said, “The new Belfrics office is designed to create a unique environment and ensure best-in-class services for its employees. Equipped with cutting-edge and fully integrated technology, the facility is designed to accommodate future needs, and is suitable for video conferencing for both collaborative and remote work, particularly post-pandemic.” Mr. Kumar continued, “Our new Bangalore office supports our customers and reiterates our commitment to the Indian market and the cryptocurrency and blockchain industries. We see many enterprises in India taking the lead in technology advancements and staying ahead of the global market curve, which provides more business opportunities for us to invest in this market.”
“Our additional office in Bangalore demonstrates our commitment to supporting Belfrics’ growth as it expands its presence in both India and South Asia. Earlier this year, we acquired Belfrics because we believed in their vision to build a world-class cryptocurrency platform and blockchain solution. The market has responded even better than expected and we are expecting some supercharged growth from Belfrics.” Mr. Grinberg continued, “Our investment further signifies our long-term commitment and confidence in the brilliant future of this region. We couldn’t be more pleased with how things have been and where they are going.”
About Us
Life Clips is the parent company of Belfrics Global and Cognitive Apps Software Solutions Inc. Belfrics Global is a Malaysian based blockchain provider and cryptocurrency exchange and platform that is licensed and regulated by Labuan Financial Services Authority (LFSA), Malaysia. With 10 operational offices in 8 countries, Belfrics’ multi-feature trading platform offers digital assets, cryptocurrencies, and crypto derivative contracts to its clients. Belfrics blockchain has been recognized by Gartner as being a top 10 blockchain in terms of real-world projects and has received a patent for its Belrium KYC verification System (BKVS) by the Nigerian patent authority. Cognitive Apps is disrupting the space of mental health with its speech-based, AI-powered mental health analytics platform that empowers businesses to measure, understand, and improve the mental well-being of their employees, patients, and customers. Aiki delivers CBT and IPT therapies using a chatbot which includes the Yuru voice analysis solution that takes in other health data from Apple and Google HealthKit to make a more accurate analysis of one’s mental health. Aiki was developed to capitalize on the trend towards artificial intelligence platforms utilized by employers to raise awareness of employees’ mental health. Cognitive Apps’ Yuru is a 3-in-1 tool developed by a team of licensed psychotherapists that makes use of vocal biomarkers to screen for early signs of mental health conditions, such as stress and depression. Yuru is available on Apple‘s App Store.
For more information on Life Clips visit http://www.lifeclips.com For more information on Belfrics Global visit http://www.belfricsgroup.com For more information on Cognitive Apps Software Solutions visit https://cogapps.com
Forward-Looking Statement Disclaimer This press release contains “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. Such statements may be preceded by the words “intends,” “may,” “will,” “plans,” “expects,” “anticipates,” “projects,” “predicts,” “estimates,” “aims,” “believes,” “hopes,” “potential” or similar words. Forward-looking statements are based on certain assumptions and are subject to various known and unknown risks and uncertainties, many of which are beyond the Company’s control, and cannot be predicted or quantified and consequently, actual results may differ materially from those expressed or implied by such forward-looking statements: (i) the initiation, timing, progress and results of the Company’s research, manufacturing and other development efforts; (ii) the Company’s ability to advance its products to successfully complete development and commercialization; (iii) the manufacturing, development, commercialization, and market acceptance of the Company’s products; (iv) the lack of sufficient funding to finance the product development and business operations; (v) competitive companies and technologies within the Company’s industry and introduction of competing products; (vi) the Company’s ability to establish and maintain corporate collaborations; (vii) loss of key management personnel; (viii) the scope of protection the Company is able to establish and maintain for intellectual property rights covering its products and its ability to operate its business without infringing the intellectual property rights of others; (ix) potential failure to comply with applicable health information privacy and security laws and other state and federal privacy and security laws; and (x) the difficulty of predicting actions of the government and its regulations. All forward-looking statements included in this press release are made only as of the date of this press release. The Company assumes no obligation to update any written or oral forward-looking statement unless required by law.
For Media and Investor Relations, please contact:
David L. Kugelman (866) 692-6847 Toll Free – U.S. & Canada (404) 281-8556 Mobile and WhatsApp [email protected] Skype: kugsusa https://ift.tt/2TnXrh3
A photo accompanying this announcement is available at https://ift.tt/3Hy80S6
source https://usapangbitcoin.org/life-clips-subsidiary-belfrics-announces-plans-for/
source https://usapangbitcoin.wordpress.com/2022/01/07/life-clips-subsidiary-belfrics-announces-plans-for/
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A Beginner’s Guide to Decentralized Finance (DeFi) - The Coinbase Blog
blog.coinbase.com
Cryptocurrency’s promise is to make money and payments universally accessible– to anyone, no matter where they are in the world.
The Decentralized Finance (DeFi) or Open Finance movement takes that promise a step further. Imagine a global, open alternative to every financial service you use today — savings, loans, trading, insurance and more — accessible to anyone in the world with a smartphone and internet connection.
This is now possible on smart contract blockchains, like Ethereum. “Smart contracts” are programs running on the blockchain that can execute automatically when certain conditions are met. These smart contracts enable developers to build far more sophisticated functionality than simply sending and receiving cryptocurrency. These programs are what we now call decentralized apps, or dapps.
You can think of a dapp as an app that is built on decentralized technology, rather than being built and controlled by a single, centralized entity or company. (Get used to this word, dapp, you’ll be seeing it a lot from here on out.)
While some of these concepts might sound futuristic–automated loans negotiated directly between two strangers in different parts of the world, without a bank in the middle– many of these dapps are already live today. There are DeFi dapps that allow you to create stablecoins (cryptocurrency whose value is pegged to the US dollar), lend out money and earn interest on your crypto, take out a loan, exchange one asset for another, go long or short assets, and implement automated, advanced investment strategies.
What differentiates these DeFi dapps from their traditional bank or Wall Street counterparts?
At their core, the operations of these businesses are not managed by an institution and its employees — instead the rules are written in code (or smart contract, as mentioned above). Once the smart contract is deployed to the blockchain, DeFi dapps can run themselves with little to no human intervention (although in practice developers often do maintain the dapps with upgrades or bug fixes).
The code is transparent on the blockchain for anyone to audit. This builds a different kind of trust with users, because anyone has the opportunity to understand the contract’s functionality or find bugs. All transaction activity is also public for anyone to view. While this may raise privacy questions, transactions are pseudonymous by default, i.e. not tied directly to your real-life identity.
Dapps are designed to be global from day one — Whether you’re in Texas or Tanzania, you have access to the same DeFi services and networks. Of course, local regulations may apply but, technically speaking, most DeFi apps are available to anyone with an internet connection.
“Permissionless” to create, “permissionless” to participate — anyone can create DeFi apps, and anyone can use them. Unlike finance today, there are no gatekeepers or accounts with lengthy forms. Users interact directly with the smart contracts from their crypto wallets.
Flexible user experience — don’t like the interface to a certain dapp? No problem — you can use a third party interface, or build your own. Smart contracts are like an open API that anyone can build an app for.
Interoperable — new DeFi applications can be built or composed by combining other DeFi products like Lego pieces — e.g. stablecoins, decentralized exchanges, and prediction markets can be combined to form entirely new products.
DeFi is now one of the fastest growing sectors in crypto. Industry observers measure traction with a unique new metric — “ETH locked in DeFi”. At the time of writing, users have deposited over $600 million worth of crypto into these smart contracts.
Intrigued? Let’s take a closer look at just a few of the popular DeFi dapps out there that you can try today. You’ll need a cryptocurrency wallet with a built-in dapp browser (like Coinbase Wallet) to connect to these dapps. You can also use most of these dapps on desktop by selecting the Coinbase Wallet option and scanning a QR code.
It’s still early days for dapps, so DeFi users should do their research on new products and services. Like any computer code, smart contracts can be vulnerable to both unintended programming mistakes and malicious hacks.
Stablecoin and Decentralized Reserve Bank: MakerDAO
Maker is a stablecoin project where each stablecoin (called DAI) is pegged to the US Dollar and is backed by collateral in the form of crypto. Stablecoins offer the programmability of crypto without the downside of volatility that you see with “traditional” cryptocurrencies like Bitcoin or Ethereum.
You can try creating your own DAI stablecoin on the Maker Oasis dapp. Maker is more than just a stablecoin project, though–it aspires to be a decentralized reserve bank. People who hold a separate but related token, MKR, can vote on important decisions like the Stability Fee (similar to how the Federal Reserve’s Federal Open Market Committee votes on the Fed Funds rate).
Another stablecoin with a different architecture is USD Coin (USDC), where every USDC token is backed by one US dollar held in an audited bank account.
Borrow and Lend: Compound
Compound is a blockchain-based borrowing and lending dapp — you can lend your crypto out and earn interest on it. Or maybe you need some money to pay the rent or buy groceries, but your funds are tied up in your crypto investments? You can deposit your crypto to the Compound smart contract as collateral, and borrow against it. The Compound contract automatically matches borrowers and lenders, and adjusts interest rates dynamically based on supply and demand.
Other popular borrow/lend dapps are Aave and dYdX. Aggregators like LoanScan track borrow/lend interest rates across the various dapps, so you can shop around for the best rates.
Automated Token Exchange: Uniswap
Uniswap is a cryptocurrency exchange run entirely on smart contracts, letting you trade popular tokens directly from your wallet. This is different from an exchange like Coinbase, which stores your crypto for you and holds your private keys for safekeeping. Uniswap uses an innovative mechanism known as Automated Market Making to automatically settle trades near the market price. In addition to trading, any user can become a liquidity provider, by supplying crypto to the Uniswap contract and earning a share of the exchange fees. This is called “pooling”.
Other popular Decentralized Exchange platforms (DEXes) include 0x, AirSwap, Bancor, Kyber, IDEX, Paradex and Radar Relay. All have slightly different architectures.
Prediction Markets: Augur
Augur is a decentralized prediction market protocol. With Augur, you can vote on the outcome of events, except you put ‘skin in the game’ by attaching a value to your vote. Prediction market platforms like Augur and Guesser are nascent, but offer a view into a future where users can make better predictions by tapping into the wisdom of the crowd.
Synthetic Assets: Synthetix
Synthetix is a platform that lets users create and exchange synthetic versions of assets like gold, silver, cryptocurrencies and traditional currencies like the Euro. The synthetic assets are backed by excess collateral locked into the Synthetix contracts.
No-loss savings games: PoolTogether
The composability of DeFi lends itself to infinite new possibilities. PoolTogether is a no-loss game where participants deposit the DAI stablecoin into a common pot. At the end of each month, one lucky participant wins all the interest earned, and everyone gets their initial deposits back.
So what’s next for DeFi?
Money and finance have been around in one form or the other since the dawn of human civilization. Crypto is just the latest digital avatar. In upcoming years, we might see every financial service that we use in today’s fiat system being rebuilt for the crypto ecosystem. We’ve already seen asset issuance and exchange, borrowing, lending, custody, and derivatives built for crypto. What’s next?
The first generation of DeFi dapps rely heavily on collateral as a safeguard. That is, you need to already own crypto and provide it as collateral in order to borrow more crypto. More traditional unsecured borrowing and lending will need to rely on an identity system, so that borrowers can build up credit and increase their borrowing power, much like today’s SSN and FICO scores. Unlike today’s identity and credit systems however, a decentralized identity will have to be both universal and privacy-preserving.
We’re also seeing innovation in the insurance space. Many of today’s DeFi loans are overcollateralized (meaning that loans seem inherently safe because of the generous cushion of assets held in reserve). But the black swan for DeFi is smart contract vulnerabilities. If a hacker finds and exploits a bug in the open source code for a dapp, millions of dollars could be drained in an instant. Teams like Nexus Mutual are building decentralized insurance that would make users whole in the event of smart contract hacks.
Another trend we’re seeing is better user experience. The first generation of dapps was built by blockchain enthusiasts for blockchain enthusiasts. These dapps did a great job of demonstrating exciting new DeFi possibilities, but the usability left something to be desired. The latest iterations of DeFi apps are prioritizing design and ease of use in order to take open finance to a wider audience.
In the future, we expect that crypto wallets will be the portal to all your digital asset activity, just like an internet browser today is your portal to the world’s news and information. Imagine a dashboard that shows you not just what assets you own, but how much you have locked up in different open finance protocols–loans, pools, and insurance contracts.
Across the DeFi ecosystem, we’re also seeing a move towards decentralizing governance and decision-making. Despite the word “decentralized” in DeFi, many projects today have master keys for the developers to shut down or disable dapps. This was done to allow for easy upgrades and provide an emergency shutoff valve in case of buggy code. However, as the code becomes more battle-tested, we expect developers will give up these backdoor switches. The DeFi community is experimenting with ways to allow stakeholders to vote on decisions, including through the use of blockchain-based Decentralized Autonomous Organizations (DAOs).
Something magical is happening in the open financial system — crypto is bringing money online, and we’re seeing a quantum leap in what’s possible when it comes to the functionality of money. It’s a rare opportunity to see an entirely new industry blossom from scratch. The DeFi space will at first play catch up with today’s financial services industry. But over time, it’s hard to even fathom what innovations will come about when the power to build financial services is democratized to anyone who can write code.
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