Canada’s Biggest Bank Reportedly Looking to Launch a Cryptocurrency Exchange


The Royal Bank of Canada (RBC), the country’s biggest bank with over $900 billion in total assets, is reportedly looking to launch its own cryptocurrency exchange.

According to The Logic, four public patent applications the RBC filed reveal it’s looking to create a cryptocurrency trading platform, and could also let customers buy crypto in-store and online. Moreover, the patents show the bank is looking to let customers open bank accounts containing crypto.

The bank is said to already be using blockchain technology, with its CEO Dave McKay saying earlier this year it was looking to tokenize a variety of assets to register them on a blockchain. Some of its other uses for decentralized ledger technology include verifying client identities.

Offering cryptocurrencies to clients via its own crypto exchange would make it a pioneer in the country. One of the patents reads:

To individual users, managing cryptographic keys and transacting with different cryptographic assets can be a challenge. In some situations, cryptographic asset transactions may take time to be confirmed, and/or may not be compatible or supported by merchant systems or point-of-sale devices.

The patents were revealed at a time n which local exchanges are starting to get a bad reputation. Vancouver-based Einstein filed for bankruptcy owing over $12 million to customers earlier this year, while QuadrigaCX infamously got locked out of $190 million worth of client funds after its CEO passed away and no one was able to access its cold wallets.

The RBC’s patents suggest it can avoid these issues, while offering users easy access to cryptocurrencies like bitcoin, ether, and XRP. They also suggest clients may use Visa and Mastercard to by cryptocurrency, and then transfer it to an RBC account. Marc Kaufman, a Washington, D.C.-based partner at Rimon Law, was quoted as saying:

Just like a mutual fund makes stocks more accessible, this could make tokenized assets more accessible.

Other banks throughout the world have applied for these kinds of patents, as The Logic notes. One of them, JP Morgan, ended up launching its own cryptocurrency JPM Coin.

Featured image via Unsplash.

Google Collects US Patient Data in Secret, Another Call For Blockchain

Google secretly collects us patient data blockchain another call News

Google Collects US Patient Data in Secret, Another Call For Blockchain

New reports indicate that Google has been secretly collecting US patients’ data from over 2,600 hospitals in order to train its new AI project.

Codename ‘Project Nightingale’

A recent report published by The Wall Street Journal indicates that Google has been collecting medical data on millions of US citizens through something known as the ‘Project Nightingale.’ 

According to the report, the project had started in secret at some point in 2018, in collaboration with a St. Louis-based healthcare system known as Ascension. The system includes a chain of around 2,600 Catholic hospitals, all of which have handed over private medical information to Google’s new AI initiative.

Of course, the company had a reason behind collecting all of this data, and the reason was to create and test new software. The software is based on AI and machine learning technologies, and it should be able to help with analyzing patients’ records, confirming doctors’ diagnoses, and potentially even influencing patients’ treatments.

Furthermore, Google apparently did not break federal laws by collecting this data. Hospitals are allegedly allowed to share medical data with business partners if doing so helps them carry out their healthcare function. With Google’s goals in mind, it obviously does.

However, the issue with the entire event is that neither Google, nor the collaborating hospitals, did not see fit to inform patients or even their staff of the fact that they were collecting all of this data. This highlights the complete lack of control that individuals have over their own personal data, and how little is known about who can view, share and store it. 

Can Google and Other Firms Be Stopped?

The question of privacy in the modern day is one that is asked quite frequently. It has been a topic of countless discussions, debates, arguments, and speculation for years now, and thanks to modern technologies, there might finally be a solution.

Those familiar with the blockchain likely already know that this technology can be used for storing excessive amounts of information. The same technology is also praised for its privacy and security features, especially since it serves as an underlying tech for digital currencies. 

As such, many have speculated that blockchain could be used for storing patients’ data. Furthermore, patients could also share and monetize this data with whomever they wanted to, and even choose which parts of it would be visible.

A recent report on the future of blockchain technology in the global healthcare market, expects the industry to grow by $500 Million over the next 3 years. Medibloc, Medishares and Medicalchain are just a few examples of projects already using blockchain technology to allow patients to take back control of their own medical data. 

While this technology is still young and needs further development, it definitely sounds promising when it comes to stopping firms like Google from invading patients’ privacy.

What do you think about blockchain technology? Would you be willing to use it to stop Google and other IT giants from looking over your shoulder at all times? Join the discussion in the comments below.

Images via Shutterstock

Lolli Users Can Now ‘Stack Sats’ While Shopping on Alibaba

Lolli Users Can Now ‘Stack Sats’ While Shopping on Alibaba

Lolli, a bitcoin denominated rewards application, has partnered with e-commerce giant Alibaba to bring their customers the ability to earn a cashback in bitcoin on Alibaba’s singles day. As the most intensive yearly online shopping festival, singles day poses a huge potential for Lolli users to buy goods at a discount whilst earning up to 5 percent of their purchase back in Bitcoin, November 11, 2019.

Bitcoin and Commerce

Lolli’s tie up with Alibaba is a huge development for the cryptocurrency space as a whole. Alibaba’s founder, Jack Ma, earlier dismissed cryptocurrencies as a bubble while calling blockchain the real innovation.

Although Jack Ma has stepped down from his executive position at Alibaba, this is an indication that the world’s largest e-commerce retailing hub is open the concept of cryptocurrency – even if they’re not dealing with it themselves.

There will have been real encouragement on the adoption front once companies like Alibaba and Amazon allow for payment in crypto, perhaps through easy processors like BitPay. Earning a reward in crypto is great, but being able to spend it would induce more real world adoption.

Last year, Alibaba customers spent $31 billion on singles day. If this is to be repeated, and hypothetically every purchase is logged with Lolli at 5 percent sats back, it would result in $1.05 billion worth of rewards being disbursed on this one day alone.

Adoption is Gradual, Legitimacy is Here

With focus hinged on adoption and the various metrics that capture user growth, qualitative aspects are being ignored.

3 years ago, was it fathomable that firms like EY and J.P. Morgan would find value in public protocols like Ethereum? Would anyone have expected the Chinese government to, more or less, endorse Bitcoin?

Companies with major corporate clout and long-standing track records have accepted the value proposition of cryptocurrencies – whether directly or indirectly. With more companies jumping off the “blockchain, not Bitcoin” bandwagon and starting to understanding the incentive system that is conceived from having a censorship-resistant ledger with a native form of money, legitimacy of digital currencies is already here.

Sovereign entities looking to issue their own digital currencies is the icing on the cake. Although these entities want to hinder Bitcoin and are launching digital currencies to protect their own monopoly, by acknowledging the benefits of a digital currency, they concede that something like Bitcoin has utility.

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Universal Protocol Alliance to List Mega-Utility Token on Exchange

Universal Protocol Alliance to List Mega-Utility Token on Exchange

Universal Protocol Alliance to List Mega-Utility Token on Exchange

In addition to listing the Universal Protocol Alliance’s mega-utility token, Exchange will also list the group’s stablecoins, as well as support interoperability between the Ethereum protocol and the Simple Ledger protocol.

Also Read: Cred Merchant Solutions to Help Unbanked Business Sectors Exchange to List Mega-Utility Token

It was announced today that Exchange will provide an initial exchange listing to support an interoperable mega-utility token backed by the Universal Protocol Alliance, the Universal Protocol Token (UPT). The new token is expected to be on listed Nov. 20, 2019, and will be available for trading by non-U.S. persons only.

In addition to listing UPT, the platform will also be listing Universal Protocol Stablecoins, including the Universal Dollar (UPUSD), Universal Euro (UPEUR), in addition to an ERC-20 version of bitcoin core, the Universal Bitcoin (UPBTC). The exchange will also support interoperability between the Ethereum protocol and the Simple Ledger protocol on Bitcoin Cash, as well as work to develop the Universal Yen (UPYEN).

Universal Protocol Alliance to List Mega-Utility Token on Exchange Exchange

The Universal Protocol Alliance is a group of like-minded cryptocurrency companies and blockchain organizations that want to connect different digital assets in a single network. The alliance members include Bittrex, Brave, Certik, Omisego, Blockchain at Berkeley, Uphold, and Cred. Exchange now supports the alliance and its mission to provide blockchain interoperability, mainstream consumer safeguards, and practical applications for blockchain that reduce time, effort and cost for businesses and consumers as well as local governments.

“At Exchange we believe in tokens that tie communities and ecosystems together,” said David Shin, head of Exchange. “UPT is a perfect example of how an alliance of strong and active members can come together to create higher utility for its respective users. The very concrete and practical work the Alliance has done, the successful track record of its members, and the overarching mission of the Alliance aligns well with the key criteria we look for at the Exchange.” Exchange was launched on Sep. 2, as an easy-to-use trading platform that offers world-class security and a powerful trading engine. The venue has a wide variety of trading pairs like litecoin (LTC), ripple (XRP), tron (TRX), zcash (ZEC) and denominated markets with base currencies such as tether (USDT), bitcoin cash (BCH), and bitcoin core (BTC). The platform employs institutional-grade encryption, two-factor authentication (2FA) and IP whitelisting, meant to keep users’ accounts secure at all times. If you haven’t signed up yet, the process takes less than a minute and you can start swapping digital assets immediately after you register.

The Universal Protocol Alliance Mission

Founded in 2018 to accelerate mainstream adoption of blockchain technology, the Universal Protocol Alliance is aiming to produce viable and pragmatic use cases that can benefit consumers, businesses, and governments globally. The group has identified that many users need innovative solutions to move digital assets seamlessly across different wallets, exchanges, and networks. In addition to the contributions made by alliance members, each member organization will integrate and incorporate UPT directly into their businesses, which will be announced soon by the group.

“The early days of the internet were very similar to the world of blockchain today, with many different technology platforms fragmented and incapable of communicating with each other,” said JP Thieriot, co-founder of the UP Alliance and Uphold. “We believe that the Universal Protocol Platform is a technology that has the potential to connect blockchain technologies – much like the breakthrough of the TCP and IP protocols that drove the internet towards mass adoption.”

Digital assets like bitcoin cash and ethereum operate on disparate networks that currently cannot communicate with each other. Collaboration in meaningful ways without costly workarounds remains difficult, resulting in critical inefficiencies. Universal Protocol Platform has a solution to solve this communication problem, one that will enable all existing cryptocurrencies to become available, and fungible, on one blockchain network: the introduction of Proxy Tokens.

Universal Protocol Alliance to List Mega-Utility Token on Exchange

Universal Protocol recently demonstrated a new service for vendors called Cred Merchant Solutions, which allowed elected California officials, along with members of the community, to purchase goods at a vendor with bitcoin cash (BCH). This mechanism permits merchants to settle transactions in the Universal Dollar in real-time, and transmits the tax remittance to the appropriate government authorities. Universal Protocol has declared its support for California Assembly bill AB 953, which would permit the California state government to accept tax remittances in stablecoins like the Universal Dollar. This is meant to resolve a significant tax-collection issue for governments, and paves the way for comprehensive adoption of digital assets across the state .

“We are thrilled to build technology that solves real problems for customers, merchants, and elected officials to help usher in the next 100 million users of blockchain,” said Dan Schatt, co-founder of the Universal Protocol Alliance and Cred. “Not only does blockchain technology result in significant cost reduction for consumers and merchants, but it also enables highly productive tax collection, transparency, and predictability for city and state governments.”

What do you think about the Universal Protocol Alliance listing the mega-utility token and stablecoins on Exchange? Share your thoughts in the comments section below.

Images courtesy of Shutterstock.

Verify and track bitcoin cash transactions on our BCH Block Explorer, the best of its kind anywhere in the world. Also, keep up with your holdings, BCH and other coins, on our market charts at Markets, another original and free service from

Avi Mizrahi

Avi Mizrahi is an economist and entrepreneur who has been covering Bitcoin as a journalist since 2013. He has spoken about the promise of cryptocurrency and blockchain technology at numerous financial conferences around the world, from London to Hong-Kong.

暗网丝绸之路毒贩认罪 关于这个黑暗世界你了解多少?

当地时间上周四,据美国司法部透露,来自纽约南区的检察官宣布Hugh Brian Haney已经认罪。Haney被指控在2018年上半年进行了洗钱活动,共“清洗”了近2000万美元毒资。


2018年初,Haney试图以19147053美元的价格在一家加密货币交易所售出他账户中剩余的比特币时引发了交易所的警觉,该交易所在第一时间冻结了他的账户,并针对这比资金的来源进行了回溯调查。最终Haney在2019年7月因涉嫌使用比特币进行巨额洗钱被捕。美国检察官Geoffrey S. Berman证实称,Haney计划出售的价值超1900万美元的比特币,都是他通过丝绸之路网站向全球买家出售毒品的非法所得。





2011年11月,还是学生的Ross Ulbricht希建立了丝绸之路网站,据他自己透露,他建立网站的初衷是创造一个告别“中央集权”的经济社区,在这个平台上只能使用比特币进行交易,交易的过程被全程加密,买卖双方都不会了解对方的真实身份。


正因如此,Ross Ulbricht在创立该网站不足两年后就被警方逮捕,2013年10月Ulbricht被逮捕后,丝绸之路网站正式关闭,而Ulbricht也因为多项指控最终被判终身监禁。









而这些资产的来源,都可以追溯到同一个地址之上:1933phfhK3ZgFQNLGSDXvqCn32k2buXY8a,而早在2013年10月的时候就曾有网友指出,该地址大概率是 “丝绸之路”钱包地址。

在对这比巨额财富做进一步追踪梳理后,名为“sick_silk”的网友指出,这些资金的所有者正在抛售这些资金或者与其他货币进行交换,这很可能是用来隐藏自己的行为。联想到已有数十万人人参与到了呼吁赦免Ross Ulbricht的情愿行动中来,网上也有声音猜测,这笔巨额财富很可能仍然归属于Ross Ulbricht。






在2013年监管机构关闭丝绸之路网站,并判处其创始人Ross Ulbricht终身监禁时,有人认为这种“极刑”会有效地组织模仿者出现。但是在丝绸之路网站提出的交易模式在社会阴暗角落极大的需求,以及与之相伴相生的巨大利益的驱动下,仍然有其他人继续铤而走险,让这个黑色产业链在丝绸之路关闭后得以延续。



越来越多的人开始呼吁赦免Ross Ulbricht


随着时间推移,越来越多的人开始为丝绸之路的创立者Ross Ulbricht“喊冤”。许多人代表Ulbricht发表声明,公开反对他因创建网站而被判重刑。截止发文,Ulbricht已经在监狱中度过了2233天。呼吁赦免Ulbricht的知名人士包括美国前助理住房部长Catherine Austin Fitts、演员Keanu Reeves、“比特耶稣”Roger Ver、作家Lew Rockwell、莱特币创始人李启威、亿万富翁Tim Draper以及政治评论家Tom Woods等。而Cato Institute、Downsizedc.org等组织也加入到了情愿中来。

到目前为止,名为FreeRoss的网站上已经有接近235000人在Ross Ulbricht的赦免请愿书上签名。




DAO是分布式自治组织的英文缩写,即“Decentralized Autonomous Organization”,有时候它也被称为DAC,即“Decentralized Autonomous Corporation”。






把“能够无国界或中介地自由组织和协作,创建全球性,无官僚主义的组织,公司和社区”当做使命的 Aragon 项目创始人Luis Cuende说,


不过,观察顶着DAO旗帜的项目发展历程,却大都坎坷异常。2016年基于以太坊网络的基金性质的The DAO横空出世,在收获显赫的关注和资金之后,却由于智能合约代码漏洞,遭遇黑客的攻击,功亏一篑,从此后给DAO蒙上一层阴影。




































DAO给人的第一感觉就是无政府主义,风青萍认为这是误解。用哈耶克的话说,“如果一个人不需要服从任何人,只服从法律,那么,他就是自由的。这样说无论如何都不过分,那就是,法律的目的不是废除和限制自由,而是保护和扩大自由”。DAO表象上是技术活动,本质上是组织活动,无非用技术的方式实现了组织的转型,从而带来治理模式的重大革新,底线是建立并遵守规则,也就是法律。“Linux 是计算机的操作系统,DAO 感觉更像是人类的操作系统”。



“因为 DAO 可以用来做治理,不论是治理一个国家、治理一个社区,治理一个商业实体,还是治理一个协议,等等。”








或许,不久的将来,世外桃源一般的 Aragon遍地皆是,但是,当下的问题在于,你是选择做一个寻幽探奇的武陵太守,还是做一个心存向往,欣然规往的南阳刘子骥呢?


近几日一直在学习Nervos这个项目,查阅了各种资料与文献。惊讶于1confirmation对Nervos的评价如此之高:“这是我们所见过的在以太坊之外建造 Layer 1 的最强团队 ”。

我甚至有点不敢相信这句话是出自1confirmation之口。1confirmation是Coinbase早期员工Nick Tomaino创立的一家Crypto Fund。也是我非常欣赏的一家币圈机构。他们的投资组合不多,但很精简,某种程度上可以说直击要害。


在我看来1confirmation已经是一家规模较大的基金了(主观认知),不过他们并不把自己定位为“大的资本“。Nick对此的看法是,“虽然这个市场上有不少大的资本在投资项目,但我们认为依旧需要一些小的资本来做事,1confirmation 不仅仅提供资本,还为这些早期项目提供各种各样的服务,只要创始人开口提出需要一些非技术的帮助。“


又看到了Nirvada Capital合伙人Mable采访Nick的一篇文章,Mable有问到Commonwealth股权和Edgeware价值的问题。Nick回答说“我们投资是投的优质项目创始人,所以对于他们做的项目未来能捕获多少价值,我们也不太清楚。












9月份万向区块链周有幸和Cosmos的创始人Jae Kwon有一个小时的交流。和Jae聊了聊节点中心化、Interchain基金会资助奖励的透明度问题以及目前Cosmos在中国的现状。Jae倒是没有做什么辩解,很大方的承认了这些都是问题,并且陷入了思考。

1个月前真本聪采访过Cosmos团队的社区战略负责人Chjango Unchained,我们问她,“作为一个项目的创始人,你认为他需要具备像政治家一样的才能吗?大家对Jae Kwon 的印象还是太低调,默默专注于开发的工作。似乎大家都觉得一个项目的创始人具备政治家的才能,它成功的可能性更大。你觉得Cosmos 需要这样子吗?”


比如Jae 在公众的行为举止和他这个人真实的样子一样,那么她觉得他的性格就是没问题的。

“也许有很多加密货币的创始人想扮演政治领袖的角色,但是这并不是Cosmos 这个项目所聚焦的点。Cosmos如今每天做的工作,将使得未来的几代人可以从中受益,并在其基础上继续发展。使这种价值最优化一定是很长期的事情,我们坚信,可持续性的基本面价值不能作假和复制。



不管怎么样,Jae Kwon就是这样的人:低调,理想主义,极客精神,专注于默默写代码。不仅是他自己,Cosmos整个团队都是这样的调性。1confirmation对这个团队有一个中肯的评价:”这是一个任务驱动型的团队”。在3-4年的开发当中,团队一直在拿产品证明自己,不玩虚的那套。







HTC Aiming to Release a Blockchain Phone With Binance DEX Support


On Tuesday (November 12), Taiwanese smartphone manufacturer HTC announced that it is planning to release a special edition of its EXODUS “blockchain phone” (aka “cryptophone”) that will offer support for Binance DEX and its native coin BNB. 

A Brief History of HTC’s Experience With Building Crypto-Friendly Phones

On 15 May 2018, at the Consensus 2018 blockchain summit in New York City, Phil Chen, the “Decentralized Chief Officer” (DCO) for HTC announced the firm’s plan to create HTC Exodus, “the world’s first native blockchain phone.”

The first Exodus model to launch was the Exodus 1, which went on sale in Europe and the U.S. late last year. It initially cost 0.15 BTC (though later, it became possible to buy it for $699). HTC’s reason for calling this a “blockchain phone” was that it came with a built-in hardware wallet and a pre-installed Decentralized Apps (DApps) browser that was integrated with this hardware.

HTC says that its wallet app, Zion Vault, “uses the Trusted Execution Environment (TEE) to protect your private keys and sensitive data,” and that it supports storing, sending, and receiving organize over 100 types of cryptocurrencies.”

The HTC Exodus 1 is a dual-sim Android-powered phone with the following specs:

  • 6.0” Quad HD+ display with 18:9 aspect ratio
  • Qualcomm® Snapdragon™ 845 processor
  • 3500mAh battery
  • Android Oreo (i.e. Android version 8.x)
  • 128GB of storage and 6GB of RAM

What happened next is that HTC used its experience with the Exodus 1 and feedback from developers and the market to build a more budget-friendly device: the Exodus 1s. This is the device that HTC introduced on October 19 at the two-day Lightning Conference in Berlin. In fact, HTC started selling some of the first production units at this event, and was even accepting payments via Bitcoin’s Lightning Network. HTC said that Exodus 1s was the first mobile phone that supported running a Bitcoin full node (with the blockchain data to be stored on a 400GB microSD card that needs to be purchased separately).

HTC Announces EXODUS 1 Binance Edition

According to a report by Coindesk, HTC is planning to offer a new special edition version of HTC EXODUS 1 that will offer support for Binance DEX, Binance’s decentralized exchange, integrating “Binance Chain with the device’s native Zion Vault wallet app,” thereby enabling the phone’s owners to “directly access the Binance DEX using the phone.”

HTC’s DCO, Phil Chen, said via a press release:

We are partnering with the biggest and most liquid crypto exchange along with the trust minimized principle of empowering users to own their own keys and run their own full bitcoin node.

As for Binance CEO Changpeng Zhao (aka “CZ”), he had this to say:

The implications are profound and far-reaching. The most innovative smartphone makers are racing to adopt crypto. We are delighted to support and work with HTC EXODUS to make sure its users can access the Binance chain and DEX to help people access crypto and exchange anywhere.

The report says that EXODUS 1 Binance Edition will sell for $599 and that it will only be available to order via HTC’s website.


Featured Image Courtesy of HTC

Australian Man Arrested for Unregistered Crypto Transactions

What can I do to prevent this in the future?

If you are on a personal connection, like at home, you can run an anti-virus scan on your device to make sure it is not infected with malware.

If you are at an office or shared network, you can ask the network administrator to run a scan across the network looking for misconfigured or infected devices.