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Mastercard may be looking to integrate blockchain into its payments infrastructure. The U.S. Patent and Trademark Office (USPTO) published a  new application  from the financial giant this week that outlines a solution for a "uniform settlement system" – one that would help ease some of the friction involved with business-to-business payments. Specific issues cited in the application include growing data storage demands and the overall volume of transactions. Notably, Mastercard suggests in the text that such a system could include a blockchain-based ledger of transactions. As the application explains: "In some embodiments, the ledger may be a blockchain configured to store the associated data. ... In the system, the data values may include the purchase orders, invoices, transaction data, and other data stored in the ledger as discussed herein." Mastercard clarified that the blockchain would be able to automatically note all changes made to the ...

There's a new party interested in initial coin offerings (ICOs): global governments. This time, though, they aren’t just out to warn citizens or regulate the new mechanism. Instead, at least one progressive government is considering whether it can take advantage of the technology.  The Baltic nation of Estonia made a splash last month proposing a government-supported token – the "estcoin" – as an extension of its e-Residency program. As detailed in a blog post that quickly vent viral, the proceeds would be used to create a type of public-private sovereign wealth fund that would invest in Estonian digital infrastructure projects and technology startups.  ADVERTISEMENT The idea won equal praise and derision, getting lambasted by European Central Bank president Mario Draghi. During his regular press conference, Draghi commented on Estonia's bid: " No member state can introduce its own currency; the currency of the euro zone is the euro. ...

Chris Berg, Sinclair Davidson and Jason Potts are with the RMIT Blockchain Innovation Hub in Melbourne, Australia. In this opinion piece, the authors discuss why blockchain may be more disruptive than the so-called 'general purpose technologies' that transformed society in recent centuries.  While cryptoeconomics is already a vibrant research field, the study of the blockchain must not be left solely to computer scientists and game theorists. The rollout of blockchain technology raises complex questions in economics, public policy, law, sociology and political economy. What we call "institutional cryptoeconomics" starts from a simple premise – the blockchain is not just a new general purpose technology, it is a new institutional technology. This may sound like a pedantic distinction, but the difference between these two conceptions is profound. General purpose technologies allow us to do what we already do better, faster and cheaper. Economists und...

Developers at some of the top tech companies have created a browser API that could soon make it easier to buy goods and services online with cryptocurrency. The work, started by the World Wide Web Consortium (W3C) with the help of Microsoft, Google, Facebook, Apple and Mozilla, is a tangible step forward for a currency-agnostic web payment standard  first conceived in 2013. Equally, as bitcoin and other cryptocurrencies gain more momentum, the launch signifies the growing recognition of cryptocurrency as a payments technology. ADVERTISEMENT Indeed, the W3C has gotten more interested in blockchain technologies over the years, hosting its first ever blockchain workshop in June last year. But while participants were left with interest in standardizing and democratizing the technology's use, no formal work was decided upon then. That, however, has changed. Announced on Thursday, the API is currently  being implemented in browsers including Go...

Mainstream ICOs may have finally arrived. The much anticipated token sale for social messaging giant Kik, which is today offering buyers the chance to purchase tokens that will power future apps on its platform, launched at 9 a.m. EST, drawing upwards of $70 million in its first few hours. Data from the ethereum blockchain indicates Kik has so far raised more than 3.2 million ether (worth about $71 million at press time) in upwards of 8,000 transactions (not all of which have confirmed) through 12 p.m. EST. More than 17,000 buyers have registered to participate in the sale, which will be conducted in two parts. In total, Kik is looking to raise a total of $125 million through the ICO, though it's already raised $50 million from the private sale of its token, called Kin, to institutional investors. Going forward, the remaining tokens are to be sold in two parts: today's sale allows investors to purchase up to 15.2 ETH in Kin tokens, with any remaining to...

The ether-bitcoin exchange rate (ETH/BTC) could be preparing for a breakout. At press time, ether is trading at 0.07165 BTC  (about $310), with the cross-cryptocurrency exchange rate coming off a recent low of 0.0655 BTC ($284) on August 15. Yet, as it is widely believed that ethereum's main purpose is to serve as the launchpad for decentralized applications , the platform's cryptocurrency could emerge as one to watch in the months ahead. Ethereum developers have now set September 18 as a date for Byzantium Testnet launch. The first of two phases in the platform's coming 'Metropolis' update , it's likely to see better ethereum applications created and distributed more widely. Given a potential increase in usability, it's possible ether could extend its already impressive year-to-date gains. At one point of time in June, ether-US dollar exchange rate was up 2,800%. However, while the ETH/USD pair has been kind to traders so far this year, price ...

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The U.K.'s chief financial markets regulator has helped develop a new app using blockchain consortium R3's Corda distributed ledger platform. Announced today, the prototype – focused on the reporting of mortgage transactions – was revealed to have been built with input from the U.K. Financial Conduct Authority (FCA), the Royal Bank of Scotland (RBS) and another unnamed banking institution. The app allows regulators to see real-time updates, with receipts being created for mortgage transactions as they are conducted. That the FCA would be interested in technology that could enhance its oversight is perhaps unsurprising. To date, the FCA has welcomed a number of startups into its regulatory "sandbox," which allows for the testing of financial products and services in a limited setting. Last year, FCA director of strategy Chris Woodward said that blockchain was one technology that the agency was considering for possible applications. "[This ...

In the coming war between digital currencies, which side will your money be on? If that question sounds crazy, meet Arthur Hayes, a former CitiGroup trader who runs BitMEX, a Hong Kong-based crypto exchange that allows eye-bulging leverage – up to 100 times – when buying and selling cryptocurrency derivatives. Not just another Wall Street veteran, Hayes may also be one of the industry's biggest bitcoin bulls. It's a bold claim, but you might agree if you saw his newsletter – a regular synthesis of cryptocurrency news, gangster quotes, GIFs and end-of-the-world premonitions. In fact, Hayes thinks blockchain is lighting a fuse that will ignite open combat between "true cryptocurrencies" (like bitcoin) and a new "digital fiat" controlled by central banks. These two parallel currency systems are the inevitable outcome of his core investing thesis: "A digital society needs digital cash." In other words, bitcoin has brought the wor...

The withdrawal of funds from stocks and precious metals has coincided with the massive price increase of Bitcoin and other cryptocurrencies. It seems that investors have realized that Bitcoin is a more stable ‘store of value’ investment than gold. CNBC has reported that the stock market has seen the largest withdrawal rate since 2004, with more than $30 bln being taken out of the markets over the past 10 weeks. The major withdrawal also included a huge abandoning of precious metals. Precious metals at loss Private client allocation to precious metals has seen a massive reduction, with portfolios holding 10 percent in 2013 being reduced to below two percent in recent weeks. (source: BofA Merrill Lynch Global Investment Strategy, EPFR Global) The precious metals investment decline has coincided with a removal of funds from the stock market overall, with investors choosing to pull back from the market, though the market continues to post gains. Concerns abo...

The bitcoin-US dollar exchange rate ( BTC/USD ) may have climbed back above $4,000, but it might be ready to push higher even though China uncertainty reigns supreme. Following reports the country's regulators  may be seeking to shut down domestic bitcoin exchanges, the bitcoin price fell to a low of $3,977 on the CoinDesk Bitcoin Price Index (BPI) this weekend. The rumor comes a week after the People's Bank of China (PBOC) banned  initial coin offerings (ICO), suddenly outlawing the practice of creating and selling cryptocurrency to investors to finance startup projects. The confusion about what might lie ahead cut short bitcoin's ascent on Friday following a repeated technical failure around $4,650 levels, and the subsequent sell-off was exacerbated by the bearish news out of China. So far, Bloomberg and the Wall street Journal are out with the reports today , suggesting the ban will be limited to exchange-based trading and will not affect over-the-coun...

Bloomberg and the Wall Street Journal  are reporting that China will move to shut down bitcoin exchanges, citing unnamed "informed sources." According to the reports, the ban will be limited to exchange-based trading and will not affect over-the-counter transactions. China's largest bitcoin exchanges, OKCoin, BTCChina and Huobi, told Bloomberg on Monday that they still have yet to be contacted regarding any trading ban. Notably, Bobby Lee, CEO of China's oldest bitcoin exchange, BTCC, posted a poll on Twitter suggesting that he is not entirely convinced by the news. The Wall Street Journal reported that they had contacted the People's Bank of China (PBoC) – the country's central bank – for comment, but it had yet to respond. The reports notably follow a recent ban on initial coin offerings (ICOs) in China, as well as an increase in attention on anti-money laundering policies domestically. For example, the PBoC today put out a notice emphas...

BITCOIN TO DOLLAR ($) The number of businesses accepting bitcoin continues to increase. In January 2017, NHK reported the number of online stores accepting bitcoin in Japan had increased 4.6 times over the past year. BitPay CEO Stephen Pair declared the company's transaction rate grew 3× from January 2016 to February 2017, and explained usage of bitcoin is growing in B2B supply chain payments. Bitcoin gains more legitimacy among lawmakers and legacy financial companies. For example, Japan passed a law to accept bitcoin as a legal payment method, and Russia has announced that it will legalize the use of cryptocurrencies such as bitcoin. And Norway’s largest online bank, Skandiabanken, integrate bitcoin accounts. In the first half of 2017, 1 bitcoin surpassed the spot price of an ounce of gold for the first time, and subsequently broke its all-time high, reaching US$1,402.03 on 1 May 2017, and over US$1,800 on 11 May 2017. On 20 May 2017, the price of one bitcoin passed ...

Bitcoin is a worldwide cryptocurrency and digital payment system called the first decentralized digital currency , since the system works without a central repository or single administrator. It was invented by an unknown programmer, or a group of programmers, under the name Satoshi Nakamoto and released as open-source software in 2009. The system is peer-to-peer , and transactions take place between users directly, without an intermediary. [13] :4 These transactions are verified by network nodes and recorded in a public distributed ledger called a blockchain . Besides being created as a reward for mining , bitcoin can be exchanged for other currencies, products, and services. As of February 2015, over 100,000 merchants and vendors accepted bitcoin as payment. Bitcoin can also be held as an investment. According to research produced by Cambridge University in 2017, there are 2.9 to 5.8 million unique users using a cryptocurrency wallet, most of them using bitcoin. On 1 Aug...

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