5 Instant Ways to Buy Bitcoin with Credit/Debit Card (2020)

15 Apps That Will Earn You Passive Cash Back (Best Passive Saving Apps 2019)

This is the updated 2019 Q1/Q2 version of this post. If you remember reading the previous iteration of this post, there are several changes to the list this time around. Some new additions, and some removals.
I'm not necessarily listing these apps/sites off from best to worst, but the higher names on the list came to my mind faster, which basically just means that I prefer them.
Note: Most of these apps will be US only. A couple on this list are for Canada as well, and I've tried to make notes about apps that work outside of the US.
Having said that, let's get right into it.

15 Passive Cash Back Apps 2019

Pei

Ref = fish

Pei is an automatic cash back app, very similar to Drop (listed below). When you sign up, you'll link a debit/credit card and you'll then automatically start earning cash back as you shop at certain Pei merchants (listed just below). There are so many merchants with Pei that you'll likely find yourself accidentally earning cash back on the app, without even knowing it. Pei is an app that you can really just link a card and then check back weeks later and surprise yourself with the money you've earned. The app has improved so much since the first time I posted about it, that it deserves the top spot in this post. You can cash out instantly as soon as you reach $15 in your account, and they're currently offering a cool $5 bonus when you sign up with a referral. My referral is "5LTZ1S". Big appreciate if you use my referral to sign up.

Pros of Pei:

So with all of that being said, let's talk about the stores you can find on Pei. Just note that these are only stores that are local to me, so if I don't have a certain store near me that Pei offers, I won't have it on this list. Additionally, Pei actually offers so many stores at this point that there's no way for me to actually keep this list up to date at all. There have been countless times where I've shopped somewhere that doesn't even come up as an option to earn with Pei but I'll see cash back listed on the app. It's really quite impressive.
In addition to receiving cash back at many locations, Pei also has a 'loyalty bonus' where if you shop at a certain store 5x you'll earn a bonus of $0.50!
They also do offer a "$2 on $20", essentially meaning that if you spend $20 at a certain merchant, you'll earn a $2 bonus. Local for me, I have the following options for $2 on $20:
I feel like a lot of people will enjoy this ~10% bonus on UbeLyft, especially if you ride a lot.
Most stores do have a $5 daily/weekly earning limit, so do be aware that if you spend more than ~$500, you'll likely reach an earning cap.

Drop - (iOS | Android)

Ref = fish

Drop is a passive loyalty program for US/Canada that allows you to choose 5 popular stores where you'll earn cash back (automatically) at as soon as you shop at them (both online or in store). You'll start off by linking your cards to drop (credit or debit), and they'll automatically track your purchases and once they notice a purchase from one of the 5 stores that you selected, you'll automatically earn cash back in the form of drop points which can be redeemed for instant gift cards to several stores.
As mentioned above, once you register you'll be presented with a list of store options. Do note that the stores you choose might be stuck with you forever, so pick stores you plan on shopping at a lot in the future, since you might never get the opportunity to change them.
For a new user signing up today, here are the current options you'll be presented and the corresponding rate:
Do note that this list may change at any time, but historically whatever rate you receive when you sign up is the rate that will be locked in for you.
Here are a couple things that are worth noting:
Other ways to earn with drop:
While the passive options have already been discussed, I think it's important to highlight some other features that the Drop app provides. In addition to your ongoing offers, you can also earn on Drop by participating in mini game challenges, one time offers, mobile offers/linked offers, Supercharge mini game, and referring friends.
Let's talk a little about that:

HOOCH Rewards (Ref Link)

HOOCH is a new addition to this list. Similar to Drop and Pei, HOOCH will automatically earn you cash back when you link a credit/debit card.
If you understand how Drop or Pei work, there's not really much more to say about HOOCH's cash back system.
You'll instantly earn 1% cash back at the following national brands:
  • Uber
  • iTunes
  • Starbucks
  • Domino's
  • Netflix
  • Shake Shack
  • Spotify
  • Audible
  • Redbox
  • Uber Eats
  • Hulu
  • In-N-Out
  • Chipotle*
*I don't see Chipotle listed, but I've definitely been earning cash back from Chipotle for each of my purchases.
In addition to 1% cash back at the national brands, here are some other ways you'll earn with HOOCH:
  • Connecting your first card ($5 bonus)
  • Drink at a HOOCH Venue (5%)
  • Book a Hotel (5%)
  • Dine at a HOOCH Venue (5%)
  • Refer friends
HOOCH started a long while back as a subscription app where you'll buy a subscription and you'll get a free drink at a HOOCH venue every day. The venues are extremely limited, so a majority of the people reading this won't find any value in that plan. Dining is just as rare.
Their referral system appears to be pretty generous. They're currently offering a $5 bonus for each friend you refer, as well as a 20% bonus on their earnings for life. Here's my referral link, if anyone cares enough to click it.
Here's the downfall of HOOCH:
You can only cash out for gift cards, and the minimum is $25.
For most people, this is a really big disadvantage of this app. Assuming that most people will only be earning through the 1% cash back brands, the minimum you'll need to spend in order to his the cash out minimum is $2500, which would likely take most people a really long time, since the brand options are not places where you're likely to spend a lot of money frequently...like, for example, a grocery store.
But still, you could probably earn yourself a few free gift cards every once in a while for a totally passive app.

Butter

Canada Only!

The ability to earn cash back with Butter is currently only available to Canadians. If you're in the US and you're interested in Butter, you can still use their limited US friendly version here. Canadians, don't use this link!
Butter is a service that allows you to track your ongoing subscription services while earning cash back from them 100% passively. When you sign up for Butter, you'll link your bank account/cards and it will automatically help you track your subscriptions (think Netflix, Dropbox... almost anything, really) by telling you how much you're spending on each. This actually seems like something I could really benefit from, because I just recently discovered a subscription that I totally didn't realize I was paying for for the last 6+ months. You'll also earn 1% cash back from each subscription Butter tracks.
I would provide a list of the subscriptions that you can earn cash back, but according to butter, the "list is in the 1000s."
You'll earn your cash back automatically by Interac e-Transfer once your cash back balance is over $25.
$25 is a steep minimum, but if you're someone who either has a lot of subscriptions or has some expensive qualifying subscriptions, it might not take too long to reach the minimum.
Since I'm not Canadian, my experience with Butter is very limited. You can read more about how cash back works in their help threads here.

Bumped - Sign up & join waitlist!

Bumped is an investing app, when you really boil it down. When you sign up you'll select one brand in each category (there are a lot of categories, you'll see below), and each time you shop at the selected brand, you'll earn the certain specified purchase back in the form of company stock. This is unique to all of the other apps on this list, because you're actually receiving company stock. Also, because of this, I think it's very important to note that in order to sign up for Bumped you'll need to enter your SSN since you will be opening up a brokerage account.
As of posting, the following are the category options that you can choose from:
I've bolded the brands I selected. Obviously you should pick a brand that you can find yourself using the most. Do note that if you pick a brand that you might want to change later, you'll get the opportunity to change your brands 3 times a year, at least 30 days in between.
Category Options
Burgers 3% at Jack in the Box
3% at McDonald's
3% at Wendy's
Coffee 2% at Dunkin' Donuts
2% at Starbucks
Drug Stores 2% at CVS
1% at Walgreens
Family Dining 2% at Applebees
2% at Chili's
2% at Olive Garden
2% at Red Robin
Grocery 1% at Kroger Family of Stores
Home Improvement 1% at The Home Depot
Mexican Food 2% at Chipotle Mexican Grill
2% at Taco Bell
Music Subscriptions 1% at Pandora
5% at Spotify
Pizza 1% at Domino's
5% at Papa John's
2% at Pizza Hut
Superstores 1% at Target
1% at Walmart
Telecommunications 1% at AT&T
1% at T-Mobile
3% at Verizon Wireless
Video Subscriptions 1% at Netflix
5% at Sling TV
Vineyards 1% at Willamette Valley Vineyards
One thing that is listed on the app is that if you want to move your way up on the waitlist you can refer your friends to join the waitlist as well.

Uber Visa Local Offers

Shop or dine out, get Uber credits back.
Use your Visa card next time you dine out or go on a shopping spree at a featured store and earn Uber credits toward future rides. To join, go to settings in your Uber app and tap on Visa Local Offers.
Whenever you shop out at certain places you'll instantly receive uber credits to your account. It's really simple, and yes, this does stack with all of the other cash back apps you might be a part of.
The brands they offer do change semi-frequently, so you should check them from time to time.
In the past there have been 100% cash back offers for streaming services, and 10-20% cash back at Sam's Club. Considering that these offers do stack, there is some really great potential if you find any value in uber credit.
If you're interested in activating the Visa local offers, you'll need to make sure you have a visa card linked to your Uber account first, and then you should see "activate local offers" in the app settings or payment settings of Uber.
There's really not much to say about Visa Local Offers, but if you're looking for some FAQ/Terms, feel free to check them all out here.

Groupon+

Groupon+ is a card link program introduced by Groupon that will automatically earn you cash back when you shop at select local restaurants.
The program is pretty easy to understand, but it isn't completely passive. In order to receive cash back at the local restaurants, you'll first need to activate the offer. So for example, I have an offer for 20% cash back at Dairy Queen (10% cash back after first purchase).
For reference, here's the offer in question. Once I click claim, the offer will automatically be applied to my credit card that I have linked (you'll need to link a credit card/debit card the first time you try to claim an offer). Now that it's claimed, when I go into this dairy queen location and spend with my linked card, I'll automatically receive a rebate after my purchase. What's great about Groupon+ is that the rebate will instantly go as a credit/debit card statement adjustment. So if I'm getting 10% cash back somewhere and I spend $18, I'll automatically see an addition of $1.80 on my credit card statement. It's pretty satisfying.
Note: The location you claim does seem to matter. For example, linked above is a Dairy Queen location in Joliet, IL. It appears to be that I'd only receive the cash back at this dairy queen location. For me if I search Groupon for "dairy queen", I'll find a ton of groupon+ offers (some of them different!) for many local Dairy Queens. Just make sure you've selected the right location if you're earning from a chain restaurant.
Overall I think Groupon+ is worth checking out. Just note that a lot of the options will be for local businesses.

Cash App "Boosts"

For those if you who don't know what Cash App is, Cash App is an app by Square that lets you send and receive payments. They've also expanded their app to support bitcoin purchases, and they'll also let you use the app as a checking account. With the cash app you can also sign up to receive the Cash Card, which is a debit card that is funded with your cash app balance.
If you have not used Cash App before, they do have a fancy referral program where when you sign up and send $50 you'll receive $5 and so will I. I do want to make this very clear: Cash App referrals can see the full name of the person who refers you, and the person who refers you will have your full name shown to them. If you're really private about personal information, be careful whose referral link you use. If you trust me, here's my referral link.
Please note that if you want to use the cash app boosts that I'm talking about, you'll need to be 18 years old and have the cash card (which is free, don't worry)!
Cash App announced that their cash card will be seeing 'boosts'. Boosts are their fancy way of saying that when you use our card at certain locations you'll receive a discount.
Once you have the cash card, you'll notice on the app below your card you'll be able to select your boost. The following are my personal boost options, as of posting. The boosts change frequently,
  • 15% Off Doordash
  • $1 Off Any Coffee Shop
  • 5% off Whole Foods
  • 10% Off Buffalo Wild Wings
  • 10% Off Little Caesars Pizza
  • $1 Off Panera
  • $5 Off Any Purchase (requires using the card 10x to activate)
  • 10% Off Chipotle <3
  • 10% Off Dairy Queen
So there are quite a few things I want to say & clear up.
  1. You can use a boost every 1 hour.
  2. You must select the boost that you'd like to use prior to the purchase. AFAIK you're able to swap which boost you want to use as often as you'd like. So when you walk into Chick-Fil-A, just check and make sure your boost is set to CFA. If not, swap it.
  3. In order to apply the boost, you must pay with the Cash Card. It's automatic. If your total is $6 and you're saving 10%, you'll only need a Cash app balance of $5.4 for the transaction. Cash App will cover the other $0.60.
  4. If you link your Cash Card to Apple Pay, you can pay with it that way and the boosts will still be applied.
  5. This is important. If you have a boost applied, it won't expire. I'll repeat this. If you have a boost applied, It won't expire. So if Square wants to remove your beloved Chipotle boost, it'll stick with you until you decide to swap from it. If you really like it, don't swap! Do realize that just because you have the Cash Card on the app, you won't see the boosts. You need to have the physical Cash Card in your possession for the boosts to show up.
I've been really enjoying using the Cash Card for purchases. Especially at CFA & Chipotle. It's really not a hassle. When I'm standing in line at Chipotle I'll open the app and make sure my cash app balance is enough and if not I'll just add funds right away. The boost is applied immediately which makes you feel good. It's like the guac is free at Chipotle after you use the cash card. The only downside to using the Cash Card is that you won't be able to stack discounts with anything else on this list... Unless you find a way to link the Cash Card to any of the things on this list. Regardless, 10% off at Chipotle is the best I have found.

Empyr Apps

I've listed this as "Empyr Apps" because all of these apps are basically just the same thing. I'll take the example of Swagbucks Local since that's what most of you reading this will already be using.
If you paid attention in the Visa Local Offers section of this post, you'll find that the Empyr apps are actually very similar to those visa local offers.
When you shop at a certain store/restaurant, you'll earn with the empyr app you have linked. It's actually really not that special.
Here's a list of some/most of the current Empyr powered apps:
IMPORTANT NOTE: You're only allowed to use one Empyr app at a time! As soon as you link up with another Empyr app, you'll be disqualified from another until you link back up.
I do want to go into this list a bit this time around since there seem to be more and more Empyr apps popping up.
Dosh might be the most popular of these apps right now. Dosh has nice referral programs as well as sign up bonuses that makes it very enticing. Dosh also has very decent cash back at the stores they offer.
Swagbucks Local will always be popular among Swagbucks users. What's really nice about Swagbucks Local is that the payouts are always instantly converted to Swagbucks, which can help you cash out sooner. You'll also likely get a slot in the Swago board filled out, which might be beneficial to you.
Pei is a really cool new app on Empyr that offers cash back at a lot of places you likely shop at. I talk about it above.
RetailMeNot is a newer one on this list and it's the only one here that I feel like I recommend you go on/off with. RetailMeNot has recently been doing a lot of "Spend $X, get $Y" deals at a lot of the stores they offer. For example, they are currently offering $5 Cash back for in Store purchases of $30+ at Staples. This is a really good deal for an Empyr app, and would probably be my pick for that transaction, but not most of the time since they don't have very many stores as options.
I personally choose Dosh as my Empyr app. Dosh has a lot of funding, which allows them to offer some very generous offers from time to time.

CoinSeed (Ref | Nonref)

CoinSeed preface: I don't recommend CoinSeed as an option solely for passive cash back. The app has monthly fees, and even for just $1 a month, it will cut either entirely into your passive cash back earned, causing a net loss, or it'll take a huge cut. Only use CoinSeed for passive cash back if you actually want to use CoinSeed.
CoinSeed originally released about a year ago as an app similar to Acorns, where you're able to passively invest money by setting up a recurring investment or invest through 'rounding up' transactions. What makes CoinSeed different from Acorns is that they will take your money and invest it into cryptocurrency. Just recently they have also added a cash back section to the app which allows you to earn points in the app each time you spend at certain locations. Before we talk about the cash back from this app, I want to talk a bit about what you're getting yourself into.
Since CoinSeed is an app like Acorns, they're expecting you to use the app to invest money. If you're reading this and you're actually thinking that you'd be interested in using this app to invest into Bitcoin, there are a couple things I think should be pointed out. 1. There is a 1% fee taken from each deposit. 2. There is a fee of $1 per month that you use the app. Your first month is waived, so the fee will only kick in on the second month. The wording is confusing, but it seems like the fee will only apply if you deposit and invest in the given month. So let's talk about cash back.
Similar to many apps on this list, you'll link your cards to CoinSeed and that's how they'll track your transactions. CoinSeed actually has two different cash back offers. First of all they offer regular portals in the app. For example, shop at through our link and earn cash back! The reason I think this is important is because currently they're offering 2% cash back at Amazon.com when you shop through their link. Cash back is uncommon enough to find at amazon, but what's great is that the only restrictions listed is, "Doesn't apply on Gift Card." Which makes me think that so long as you're buying anything other than gift cards, you should be eligible for the 2% cash back. I've reached out to CoinSeed to clarify exactly what they mean by that (whether or not it is referring to just Amazon gift cards or third party gift cards as well).
The other offers on the app, which they call "Premium" are the passive cash back options, meaning that every time you spend at any of the brands listed, you'll earn cash back. Here are the options that are currently available:
  • Uber (1% cashback)
  • Netflix (1% cashback)
  • Starbucks (1% cashback)
  • 7-Eleven (1% cashback)
There's one issue, though. When you try to activate the premium offers, a popup will appear saying, "Sorry, this feature is only available for users who have made an investment using the auto investing feature." What this is essentially saying is that in order to earn cash back from premium offers you must invest with the app.
CoinSeed seems to want to emphasize that the cash back is only a benefit of using their app to invest in crypto. For most people, investing in crypto can be near feeless using alternate methods, and in my opinion this app really doesn't provide many/any benefits that would make me want to even consider using this app for the heavy fees that they take. You would need to be spending a lot of money with their cash back retailers in order for the 'I'm only here for the cash back' route to even start to sound viable.

Credit Cards

I've refrained from listing credit cards on this post for a long time. Maybe because I thought it was too obvious, or maybe it was unnecessary, but since the number of younger people using this subreddit has been increasing I feel like I'd be doing a disservice to entirely disclude a blurb about credit cards.
If you have a credit card and you don't really care to learn more about credit cards, just skip this section. If you're reading this post and you're 18+ (or if you're about to turn 18) and you don't have a credit card or don't know much about credit cards, I think it's a good idea to look into them. I'm not going to tell you exactly what a credit card is since that's an easy google search, but I will tell you about some benefits, especially about those that pertain to the benefits of this post.
Credit cards are great because you can essentially spend money just like you normally would*, but you'll also earn cash back on all/almost all of the purchases you make with them. Additionally, especially if you're young, getting a credit card is a really great because it will start helping you build credit. I'm currently looking into renting a house next year with two housemates and I'm shocked to see that neither of them have any credit. They quite honestly couldn't possibly live in a house without me, since I'm the only one who has credit.
*Make sure you're paying off your credit card every month (or however often you need)... Don't let yourself get into debt. I'd argue if you think you're going to get into debt with a credit card, I'd personally suggest you don't get a credit card.
While you need to be 18 years old to get your own credit card, if you're under 18, you can still start gaining credit. Most major credit card companies will allow your parents to add you as an authorized signer on their credit card (which basically just means that you'll get permission to use their cards). An effect of this is that you'll start gaining credit. If you're looking to build up credit but you don't think you're ready for a credit card, I'd really recommend you ask your parents about becoming an authorized signer. It's a good conversation to have with your parents.
Anyways, let's talk about the cash back benefits, since that's what this post is about, after all.
There's a lot of credit cards. This post isn't going to list them all out. This isn't really even the right subreddit for credit card discussion.
Nerdwallet has a great list of credit cards, so you might want to check it out here, but I'm going to share my own personal situation and recommend that for anyone who might relate, since the average age on this subreddit is around the 18-25 range.
My first credit card was the Chase Freedom Unlimited card. I actually still use this credit card very frequently since it's a pretty balanced card. A couple years back on my 18th birthday I went into my local chase branch and physically had to beg for this card (it's a really beginner card, trust me). After getting denied both in bank and online, I finally found a rep who would give me a calm $500 credit limit for the card. Note: I had no credit before hand.
The Chase Freedom Unlimited card offers 1.5% cash back on all purchases with the card... so when you think about it, I'd previously been spending $100 at Chipotle every month with my debit card, but with the Freedom Unlimited card, I would now be getting 1.5% cash back ($1.50) back on those purchases. It's just an easy way to save money on everything.
If you use the other apps I suggest in this post, you'll likely earn cash back passively from them on certain brands that are featured, but stacking a credit card cash back on top of all the other bonuses is the absolute best way to earn passive cash back since it's usually 1-5% cash back on your purchases.

ReceiptPal

ReceiptPal is an app that allows you to upload your receipts from almost anywhere that you go shopping. It's actually a really simple process.
When you sign up you'll be presented with almost little scratch cards which contains 4 spaces. Each space is filled with a receipt that you upload. Once you reach 4 receipts, you'll earn 100 points. 300/400 points = $1, so basically every 16 receipts you upload you'll receive ~$1.
"So, mr Fishering, how is this passive!?"
Unlike most receipt apps, ReceiptPal allows you to link your emails and amazon account and they'll automatically upload receipts for you. I actually let this app alone for several months and came back to thousands of points and cashed out instantly.
If you make purchases online, you'll essentially be earning ~$0.07 for every purchase you make if you have your email linked. They'll automatically find receipts and submit them, so it's 100% passive earnings.
If you also shop IRL you can submit physical receipts as well.
You can cash out instantly for $5 minimum in the form of a gift card. I'd recommend saving up at least 7,500 points for a $25 gift card, since it'll value points at 300/$1.

Paribus

Paribus is not your typical cash back site. Once you sign up you can link your different accounts (such as your amazon account) and it will automatically track your shopping. Paribus doesn't directly earn you cash back... it acts more like Walmart's saving catcher if you've ever heard of that. If an item you buy somewhere goes on sale shortly after or if there's any other discounts/promotions you may have missed when you originally bought something, they'll quietly get you a rebate on whatever you purchased. It can be very hit or miss. The catch is that they do take a cut of your savings. I believe it is 30% for all new users, but for each member you refer you can cut the cut by 5%. If you save $10, they'll charge you $3 to whatever card you have linked.
Personally I've found it to be really hit or miss, but I've found some incredible savings. I bought a gopro and I got $15 saved with Paribus, and I also got $50 back from some really nice headphones I picked up on amazon from Amazon. What's weird is I bought the headphones like 6 months prior to the rebate. Was shocking to see it, but I've really had some good luck with Paribus.

Sift (iOS | Android)

After the last post, I noticed a lot of people enjoyed Paribus, so I figured it'd be good to add some alternatives in this post.
So, here's Sift. Sift is a similar site to Paribus, and its key focus is on enforcing credit card benefits that many people don't know about. It's actually pretty nice. It'll let you pick your credit card and it'll tell you pretty much everything about your card. I have the Chase Freedom Unlimited card, and I was actually shocked to hear some of the benefits my card has that I have never been taking advantage of.
From Sift's site:
We automatically comb through your credit card policies to show you all your benefits in one place. For every purchase we let you know what benefits you are eligible for. We streamline the claim process to make it as simple as possible to get your money back.
You can link your emails as well as your amazon account as well and they'll make it really easy for you.
I have not actually used Sift much myself, so I cannot attest to how well it works, but the app store reviews are generally positive for Sift.

Trim Savings

Trim is similar to Paribus and Sift, but there's a certain void that it's trying to fill that the other two don't really seem to be filling.
Trim's main selling point is its bill negotiations. Instead of trying to save you money when a price drops, they're going to try and just nip it right in the bud and try to get your bills lower.
Right now they're mainly trying to negotiate with cell providers, internet providers, and cable providers.
Here's how the process goes:
  • Submit Your Bill: Submit your most recent cell phone, cable or internet bill to get started.
  • Trim Negotiates: Trim negotiates with your provider to get you discounts on your bill.
  • You Save Money: Trim takes 25% of annualized savings, but only on success—otherwise, it's free!
So, similar to Paribus, Trim does charge a fee. In a sense, I guess that's a good thing because it gives them an incentive to make sure to get some sort of bill decrease for you so they'll make some money too. Their rate is currently 25% of your bill negotiation. Of course, if they're not able to negotiate your bill for you, you won't pay them anything.
Trim does also monitor your bank account for you and they'll notify you of account changes (that you can set). For example, if they see a transaction worth $xxx, they'll notify me that I've made a large transaction. If there weren't already so many other sites/apps that could do that, I'd say that's a great feature that Trim offers.

Conclusion

Hopefully there's some new apps/sites you found out about in this post. If you sign up for some/all of these programs listed, you should probably find yourself earning some pretty decent cash back, depending on where/how much you spend. These apps are very satisfying to watch your balances build up on, and after a while it's very rewarding to cash out and treat yourself.
Since the last version of this post, I have removed a lot of shitty offers, that aren't really worth anyone's time. I removed Samsung Rewards since it's been devalued to a point that using their app solely for rewards isn't worth it at all. Samsung rewards is only valuable for non-passive offers that they occasionally have.
In this update I added some really great additions, but did remove a previous favorite, Spent, which is currently offline. I'm ready to edit the post if anything changes with Spent, but it's seeming more and more unlikely since the app did go so downhill so fast.
As always if you have any questions please do leave a comment or send me a PM!
Thanks for reading!
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17 Apps That Will Save You Money Passively (Best Passive Saving Apps 2018)

Part 1

This post was too long for reddit's character limit, so I've split the post into two separate posts. This is part one. Click below or at the bottom of this post to continue on to part 2. Thanks!

Click here for part 2.

Since we're right in the holiday season and I've gotten a lot of requests to update this post again, I'm deciding to give it another go for Q4 2018. Hopefully this post goes up at a convenient time since right now is around the time where many people are out and about holiday shopping. If you've read this post in the past and you've used some of these apps/sites in the past but have since stopped, I'd really encourage you to reread this post if anything sounds interesting. I've actually rewritten much this post this time around, so everything here should be up to date.
My goal is that if you read this post and use some of the apps I suggest, you can find yourself making/saving as much as 5-10%+ of your entire purchase in the form of cash back, and the best thing is that in many cases, these apps will stack savings for you, meaning that you'll be getting all of these savings on top of any coupons you might already have. What's nice about this post is that one you set some of these apps up, you can just let them be for months or even years and one day come back and see a ton of money sitting there waiting for you.
Anyways, that'll conclude my prologue for this post, so let's get started!

17 Ways to Save Money Passively 2018

Credit Cards

I've refrained from listing credit cards on this post for a long time. Maybe because I thought it was too obvious, or maybe it was unnecessary, but since the number of younger people using this subreddit has been increasing, I think it's good to introduce it right at the beginning of this post.
If you have a credit card and you don't really care to learn more about credit cards, just skip this section. If you're reading this post and you're 18+ (or if you're about to turn 18) and you don't have a credit card or don't know much about credit cards, I think it's a good idea to look into them. I'm not going to tell you exactly what a credit card is since that's an easy google search, but I will tell you about some benefits, especially about those that pertain to the benefits of this post.
Credit cards are great because you can essentially spend money just like you normally would*, but you'll also earn cash back on all/almost all of the purchases you make with them. Additionally, especially if you're young, getting a credit card is a really great because it will start helping you build credit. I'm currently looking into renting a house next year with two housemates and I'm shocked to see that neither of them have any credit. They quite honestly couldn't possibly live in a house without me, since I'm the only one who has credit.
*Make sure you're paying off your credit card every month (or however often you need)... Don't let yourself get into debt. I'd argue if you think you're going to get into debt with a credit card, I'd personally suggest you don't get a credit card.
While you need to be 18 years old to get your own credit card, if you're under 18, you can still start gaining credit. Most major credit card companies will allow your parents to add you as an authorized signer on their credit card (which basically just means that you'll get permission to use their cards). An effect of this is that you'll start gaining credit. If you're looking to build up credit but you don't think you're ready for a credit card, I'd really recommend you ask your parents about becoming an authorized signer. It's a good conversation to have with your parents.
Anyways, let's talk about the cash back benefits, since that's what this post is about, after all.
There's a lot of credit cards. This post isn't going to list them all out. This isn't really even the right subreddit for credit card discussion.
Nerdwallet has a great list of credit cards, so you might want to check it out here, but I'm going to share my own personal situation and recommend that for anyone who might relate, since the average age on this subreddit is around the 18-25 range.
My first credit card was the Chase Freedom Unlimited card. I actually still use this credit card very frequently since it's a pretty balanced card. A couple years back on my 18th birthday I went into my local chase branch and physically had to beg for this card (it's a really beginner card, trust me). After getting denied both in bank and online, I finally found a rep who would give me a calm $500 credit limit for the card. Note: I had no credit before hand.
The Chase Freedom Unlimited card offers 1.5% cash back on all purchases with the card... so when you think about it, I'd previously been spending $100 at Chipotle every month with my debit card, but with the Freedom Unlimited card, I would now be getting 1.5% cash back ($1.50) back on those purchases. It's just an easy way to save money on everything.
If you think you might be interested in trying out the Chase Freedom Unlimited card, you can read more about it here. Do note that this is a referral link, and I'll earn $100 if you end up getting the card (thanks!) You'll also earn yourself a $150 cash back bonus once you spend $500 with the card in the first 3 months of having the card.
EDIT: As jeffiesos points out, there appears to be a $200 public offer available here, which might not be available if you sign up through my referral.
If you use the other apps I suggest in this post, you'll likely earn cash back passively from them on certain brands that are featured, but stacking a credit card cash back on top of all the other bonuses is the absolute best way to earn passive cash back since it's usually 1-5% cash back on your purchases.

Drop - (iOS | Android)

Ref = fish

Drop is a passive loyalty program that allows you to choose 5 popular stores where you'll earn cash back (automatically) at as soon as you shop at them (both online or in store). You'll start off by linking your cards to drop (credit or debit), and they'll automatically track your purchases and once they notice a purchase from one of the 5 stores that you selected, you'll automatically earn cash back in the form of drop points which can be redeemed for instant gift cards to several stores.
As mentioned above, once you register you'll be presented with a list of store options. Do note that the stores you choose might be stuck with you forever, so pick stores you plan on shopping at a lot in the future, since you might never get the opportunity to change them.
For a new user signing up today, here are the current options you'll be presented and the corresponding rate:
  • Walmart (2 pts/$ | 0.2%)
  • Target (8 pts/$ | 0.8%)
  • Starbucks ( 12 pts/$ | 1.2%)
  • Uber (10 pts/$ | 1.0%)
  • McDonald's (8 pts/$ | 0.8%)
  • Lyft (10 pts/$ | 1.0%)
  • Walgreens (8 pts/$ | 0.8%)
  • Chipotle (12pts/$ | 1.2%)
  • Seamless (16 pts/$ | 1.6%)
  • HEB (10 pts/$ | 1.0%)
  • Fred Meyers (12 pts/$ | 1.2%)
  • 7-Eleven (16 pts/$ | 1.6%)
  • Safeway (8 pts/$ | 0.8%)
  • Trader Joe's (12 pts/$ | 1.2%)
  • Peets Coffee (8 pts/$ | 0.8%)
  • Blue Bottle (8 pts/$ | 0.8%)
  • Macy's (8 pts/$ | 0.8%)
  • Dunkin' (14 pts/$ | 1.4%)
  • Bath & Body Works (15 pts/$ | 1.5%)
  • Whole Foods (8 pts/$ | 0.8%)
Do note that this list may change at any time, but historically whatever rate you receive when you sign up is the rate that will be locked in for you.
Here are a couple things that are worth noting:
  • Minimum cash out is $5 (5,000 points). If you're looking for Amazon, the minimum will be $10 (10,000 points).
  • It is stated on Drop's TOS that you can only earn 5,000 points ($5) per week with your ongoing offers (the ongoing offers are the offers you initially sign up for when you register, aka: the 5 stores you pick from the list above). However, from my experience, the limit doesn't seem to be enforced. The limit does, however appear to be 5,000 points per transaction maximum.
  • I recommend reading the TOS because there are some things listed that might be worth paying attention to, especially the limitations as well as qualifying transactions.
Other ways to earn with drop:
While the passive options have already been discussed, I think it's important to highlight some other features that the Drop app provides. In addition to your ongoing offers, you can also earn on Drop by participating in mini game challenges, one time offers, mobile offers/linked offers, Supercharge mini game, and referring friends.
Let's talk a little about that:
  • Mini Games:From time to time (multiple times per week), drop will have a short mini game session where you'll be invited to play a short game, such as a matching game. You'll be given a time period to play the game, and whatever score you post is the score you'll be judged on. The game usually takes just a minute or two. The top placers will often receive a prize, such as a $100 gift card or some crazy amount of Drop points, but all of the other placers will usually receive drop points just for participating. Depending on your score you can usually receive anywhere from 15-60 drop points for playing the mini game.
  • One-Time Offers: Every once in a while you'll receive a one-time offer to one of the store options for the ongoing offers that you didn't select. For example, I've gotten an offer something like 'earn 500 points when you spend $30+ at Nike using a linked card'.
  • Mobile Offers: If you're looking to shop somewhere online, Drop can also act as a portal to earn you cash back for your entire purchase. For example, as of posting you can receive 20 points/$ on Walmart.com when you shop through the Drop app. The Drop app historically has had some really good deals with their offers, so it's a good idea to check them frequently. For example, they recently had 10% cash back at Apple, which worked to net people 10% cash back on a new iPhone purchase.
  • Supercharge Mini Game: The Drop supercharge is a neat feature that rewards you for shopping at the stores for your ongoing offers. Every 5 times you shop at your linked stores, you'll be able to play drop supercharge, which is basically just a game of snake. Each dot you eat will earn you an additional 1+ drop points, and you get 3 lives. You play until you lose and keep what you win. It's really not hard to get a score of at least 200, so if you think about it, it should be a bonus of $0.20 (at the bare minimum) for every 5 times you shop at one of your linked stores.
  • Referrals: Drop's referral scheme is really nice right about now. With Drop you can currently refer a friend and receive $5 when they sign up, and your referral will earn $5 when they sign up as well. So when it really boils down to it, as of posting someone could sign up under a referral, link a card, and instantly cash out a $5 gift card without actually doing anything. If anyone's interested in supporting me, you can use my referral code: 5ajb9 and we'll both earn $5 when you sign up :)!

Bumped - Sign up & join waitlist!

Bumped is a new addition to this list. Bumped was originally discussed for the first time over a year ago on /Beermoney, but has recently started accepting more people into the program, so I think it's a good time to add this wonderful app to this list.
Bumped is an investing app, when you really boil it down. When you sign up you'll select one brand in each category (there are a lot of categories, you'll see below), and each time you shop at the selected brand, you'll earn the certain specified purchase back in the form of company stock. This is unique to all of the other apps on this list, because you're actually receiving company stock. Also, because of this, I think it's very important to note that in order to sign up for Bumped you'll need to enter your SSN since you will be opening up a brokerage account.
As of posting, the following are the category options that you can choose from:
I've bolded the brands I selected. Obviously you should pick a brand that you can find yourself using the most. Do note that if you pick a brand that you might want to change later, you'll get the opportunity to change your brands 3 times a year, at least 30 days in between.
Category Options
Burgers 3% at Jack in the Box
3% at McDonald's
3% at Wendy's
Coffee 2% at Dunkin' Donuts
2% at Starbucks
Drug Stores 2% at CVS
1% at Walgreens
Family Dining 2% at Applebees
2% at Chili's
2% at Olive Garden
2% at Red Robin
Grocery 1% at Kroger Family of Stores
Home Improvement 1% at The Home Depot
Mexican Food 2% at Chipotle Mexican Grill
2% at Taco Bell
Music Subscriptions 1% at Pandora
5% at Spotify
Pizza 1% at Domino's
5% at Papa John's
2% at Pizza Hut
Superstores 1% at Target
1% at Walmart
Telecommunications 1% at AT&T
1% at T-Mobile
3% at Verizon Wireless
Video Subscriptions 1% at Netflix
5% at Sling TV
Vineyards 1% at Willamette Valley Vineyards
If you're reading this post a great deal of time after it went live, they have their own brand list here which should be kept up to date.
One thing that is listed on the app is that if you want to move your way up on the waitlist you can refer your friends to join the waitlist as well.

Pei ref = fish

Pei is another new automatic cash back app, very similar to Drop & Spent (listed below). Pei is (as of posting) in an invite only system and they seem to be slowly letting users in. I was able to get early access since I'm 'Media'. When you sign up you might be able to register with my referral code: fish.
pei_tom is the CEO of Pei and he has also been letting everyone (AFAIK) who sends him a PM into Pei without needing to wait. Here's a comment he left on the previous post:
I wanted to start by reassuring everyone that we are bringing people on everyday and are moving quick to make sure we can make Pei the best service for unlocking card benefits directly from retailers. If you have not received an invite code and you are a part of this community, we want to get you on ASAP! Please feel free to dm me or reach out to [email protected] and we will get you on.
Source.

Pros of Pei:

  • Cash Back at a lot of locations (way more than any of the other Empyr apps).
  • Cash out via PayPal, Bitcoin, or Prepaid Visa.
  • Stacks w/ Drop & Spent
So with all of that being said, let's talk about the stores you can find on Pei. Just note that these are only stores that are local to me, so if I don't have a certain store near me that Pei offers, I won't have it on this list. Additionally, Pei actually offers so many stores at this point that there's no way for me to actually keep this list up to date at all. There have been countless times where I've shopped somewhere that doesn't even come up as an option to earn with Pei but I'll see cash back listed on the app. It's really quite impressive.
  • Panda Express - 1.5%
  • Target - 1%
  • Petco - 1%
  • PetSmart - 1%
  • Sephora - 1%
  • Banana Republic - 1%
  • American Eagle Outfitters - 1%
  • Gap - 1%
  • Old Navy - 1%
  • Chipotle - 1.2%
  • Taco Bell - 2%
  • Dominos Pizza - 1.5%
  • CVS - 1%
  • Starbucks - 1%
  • AMC - 2%
  • GameStop - 1.2%
  • Subway - 1.5%
  • 7-Eleven - 1%
  • Dunkin' Donuts - 1.5%
  • Walgreens - 1%
  • Nordstrom - 1%
  • Supercuts - 2%
  • ZARA - 1.2%
  • Express - 1%
  • H&M - 1.2%
  • Urban Outfitters - 1%
  • + Local locations - ~5%
In addition to receiving cash back at many locations, Pei also just recently added a 'loyalty bonus' where if you shop at a certain store 5x you'll earn a bonus of $0.50!
The one important thing to note about Pei is that it does run on the Empyr network. I was in contact with Pei about this and they confirmed that if you link a different Empyr app you will no longer receive the benefits from Pei. This is different from Spent since with Spent you can link your card (at which point your card will unlink from your previous Empyr app), but then link your card to a different Empyr app and you'll still get the 1% cash back offers to pay out. Just the local offers on Spent won't pay out. With Pei if you unlink your card, the whole app might break.
I also want to clarify limits for Pei, similarly to how I clarified limits for Drop. Pei currently has a limit of 500 points per day from certain larger brands. For example, I shopped at Target and spent over $1000 but only 500 points posted. Do keep this in mind if you're planning on shopping somewhere and you plan to spend a lot.
Also, since Pei is a newer addition, you might have some additional questions. Pei's support has been top-notch, even responding to me as early as 3 AM on a weekend, so don't be afraid to email and ask them anything, [email protected].

Spent (iOS | Android)

EDIT: Spent Rewards seems to have died. App has been removed from both the Play Store and the App Store, and they tweeted here

Spent is very similar to Drop... so if you like Drop, chances are you'll also enjoy Spent. Unlike Drop, with spent you'll earn 1% cash back at all of the stores they offer, so you don't need to pick just your favorites. Here are all of the stores that Spent offers 1% cash back at:
  • McDonald's
  • Uber
  • Starbucks
  • ExxonMobil
  • 7-Eleven
  • iTunes
  • Netflix
  • Chick-Fil-A
  • Whole Foods
  • Shell
  • Chevron
There are a few things about Spent that are better than Drop, but there are also a few things that are negatives here.
I'll go ahead and make a nice little pros/cons list of Spent.
Pros of Spent:
  • PayPal cash outs.
  • Manage transactions in the app.
  • Cash out minimum $0.01 w/ Gift Card Discount
Cons of Spent:
  • $20 Minimum cash out (PayPal).
  • Cash Back takes 1 month to get approved from pending.
Spent is also similar to Drop because you must link your bank account to it. This seems to be a common trend with these apps. And yes, Spent does stack with Drop, but Spent might not stack with other Empyr apps. You'll learn more about Empyr later in this post, or just CTRL+F for "Empyr". Just note that when you link a card with Spent you might have just unlinked your card from another Empyr app.
One thing I want to update about Spent is how cash outs work now. Since the original post a year ago I think it's important to note some changes. Cash outs for Spent are done through PayPal at $20 minimum. However, in the app they now have an option for you to purchase gift cards at a discount. So for example, you could be somewhere that Spent doesn't support.. Let's say Papa John's... and they'll let you buy a Papa John's gift card on the app and you'll receive 3% back. If you have any cash back balance you'll be able to use that to help pay for the gift card (or pay for it entirely, if you have enough balance). I can see this being a viable "cash out" option for users who feel like they'll never hit the $20 minimum. It won't be a free gift card, but a discount nonetheless. Do note that if you're someone who is only using drop for the 1% cash back at the select retailers listed above it will take you $2000 in spend to reach the $20 minimum cash out. That could take a while for some people, depending on how much you spend at these places.
One other thing about Spent that's worth mentioning is that it does also offer shopping portals online (spentapp.com) and you'll be able to find cash back for Travel/Hotels/Rental Cars. Just something worth checking out if you're interested in it. They also have an app called Spent Travel you might want to check out.

CoinSeed (Ref | Nonref)

I'll actually start CoinSeed off by mentioning that they have a $5 referral program currently. Both you and your referrer will receive $5 once you invest with CoinSeed, so do keep that in mind since it might come handy later in this portion of the post.
CoinSeed is another addition to this list this time around. CoinSeed originally released about a year ago as an app similar to Acorns, where you're able to passively invest money by setting up a recurring investment or invest through 'rounding up' transactions. What makes CoinSeed different from Acorns is that they will take your money and invest it into cryptocurrency. Just recently they have also added a cash back section to the app which allows you to earn points in the app each time you spend at certain locations. Before we talk about the cash back from this app, I want to talk a bit about what you're getting yourself into.
Since CoinSeed is an app like Acorns, they're expecting you to use the app to invest money. If you're reading this and you're actually thinking that you'd be interested in using this app to invest into Bitcoin, there are a couple things I think should be pointed out. 1. There is a 1% fee taken from each deposit. 2. There is a fee of $1 per month that you use the app. I've reached out to CoinSeed to clarify what causes the fee to be charged, but they have not yet responded. Your first month is waived, so the fee will only kick in on the second month. In theory, if you're using this app solely for the sake of earning the cash back (which we'll talk about in just a second), there should actually be no $1 monthly fee. The wording is confusing, but it seems like the fee will only apply if you deposit and invest in the given month. So let's talk about cash back.
Similar to many apps on this list, you'll link your cards to CoinSeed and that's how they'll track your transactions. CoinSeed actually has two different cash back offers. First of all they offer regular portals in the app. For example, shop at through our link and earn cash back! The reason I think this is important is because currently they're offering 2% cash back at Amazon.com when you shop through their link. Cash back is uncommon enough to find at amazon, but what's great is that the only restrictions listed is, "Doesn't apply on Gift Card." Which makes me think that so long as you're buying anything other than gift cards, you should be eligible for the 2% cash back. I've reached out to CoinSeed to clarify exactly what they mean by that (whether or not it is referring to just Amazon gift cards or third party gift cards as well).
The other offers on the app, which they call "Premium" are the passive cash back options, meaning that every time you spend at any of the brands listed, you'll earn cash back. Here are the options that are currently available:
  • Uber (1% cashback)
  • Netflix (1% cashback)
  • Starbucks (1% cashback)
  • 7-Eleven (1% cashback)
There's one issue, though. When you try to activate the premium offers, a popup will appear saying, "Sorry, this feature is only available for users who have made an investment using the auto investing feature." What this is essentially saying is that in order to earn cash back from premium offers you must invest with the app. I reached out to CoinSeed to try and figure out what exactly would qualify as using the auto investing feature, so I'll update this post once I get a response.
Here's an ideal scenario in my head for how the average user could get these offers to work:
Once you've linked a bank account and cards, set up a 'recurring investment' of $5 (which will trigger the $5 referral bonus). You should see $10 worth of cryptocurrency purchased in your account once the investment goes through. At this point you'll turn off the recurring investment (unless, of course, you'd like for it to continue) and you should not ever incur the $1 fee since it's your first month. AFAIK you won't ever have to incur that $1 fee unless you invest again after the month. At this point you've gotten a free $5 worth of crypto and you should now have access to the premium offers. I also believe that you can cash out your investment as soon as you'd like.
Of course, this is a good scenario that nobody has tested, so feel free to be a guinea pig :) I'm still waiting to hear back from CoinSeed to confirm that this is a viable option for members who want to earn cash back.
This is still a really new addition to this list, so feel free to try it or feel free to come back (probably in a few months) when this post gets another update.

Click here for part 2.

submitted by Fishering to beermoney [link] [comments]

06-30 23:03 - 'I am so incredibly angry right now. We need real adoption, and we need it right fucking now.' (self.Bitcoin) by /u/BudandDoyle69 removed from /r/Bitcoin within 169-179min

'''
I can’t even begin to tell you how mad I am right now. It’s taken a while to get to this point, with a myriad of issues accumulating over years time, but today was the straw that broke my back, not the camel’s.
The Banks which control 99.99% of the flow of money are FUCKING US ALL, and laughing in our faces while doing it. I need to pay for something (international transaction in EU), but for some reason they aren’t allowed to accept Credit Cards/PayPal since it is a preorder. (Dictated by laws or whatever). The only way you can pay is with a bank transfer, aka wire. (The company product is 100% legit, I’ve done business with them many times.)
So I go online in my banking app to do a wire transfer. Well apparently you cannot do it online, so I call my bank’s 14 hour customer service line.
“Sorry Sir, but to do a wire transfer you need to visit one of our physical branch locations and complete it there.”
“But I need to submit it now as it is a time sensitive payment, and it’s Sunday so none of your branches are open.”
“Yes, unfortunately you will have to wait until regular Branch hours on Monday morning. Is there anything else I can help you with today?”
I hung up on them after that because I didn’t want lash out on this dude who was just relaying the policies that someone else made, but boy was I ready to. I calmed down and looked at my other checking accounts policies on wire transfers (different banks). My hope was restored after a customer service rep told me that she could do it over the phone any time today. Then I realized that I would need to deposit/transfer money into that account in order to do it, because it is just a placeholder account with $20 in it so I can use the Credit Union’s other services. I’d use that bank full time (NavyFed Credit Union), but there aren’t any locations near me whatsoever.
So I logged back into my main account and went to transfer some money into the NavyFed one. What’s that you say, I won’t receive the funds for at least 24 hours? You are fucking kidding me! I can’t even access my own fucking money to buy something. Just like with private keys, you have no money if the bank has it. They have it, and they determine when you can and cannot utilize it. They also can decide who you can or cannot send your money to (like not allowing customers to buy crypto with their own money since crypto poses a threat to the bank’s total control).
Oh, and don’t forget about how they fucking rape the shit out of you with Fees and Charges. I need to spend $25 just to wire the fucking money! Just this week they also charged me $15 for a “maintenance fee” and $1 for a “paper statement fee”. That is $41 fucking dollars in less than 5 days just for me to be able to use my own fucking money. It is fucking theft, plain and simple, but rather than getting robbed by some junkies in ski masks, we get robbed by fucks in suits who are rolling in cash.
We have self driving cars, rockets that can fucking land upright after falling from space, and satellites that can zoom in on a penny from outer space, but it takes DAYS just for me to send money to a European country. They are intentionally strangling us and our money. They want to keep total control, all while stealing from us along the way. A few bucks here, a few bucks there, $2 every time you withdraw cash, etc, etc, etc... It makes me think about the movie “Office Space”, when the dude steals a fortune by just scraping pennies off of millions and millions of transactions.
Enough is enough. WE NEED ADOPTION NOW. Mass adoption, not just a few random online shops and tiny restaurants. That is what Bitcoin was supposed to be about. We have strayed so far away from that, so much so that actual adoption (at least with bitcoin) will never happen. People have hoarded it, price fluctuation has scared so many, and the big institutions have infiltrated the system. When I first learned about bitcoin I believed in it; I saw how we needed a way to allow people to control their money. The message has always been there in my head, but it faded somewhat over time. Bears and Bulls, charts, developments, whales, and drama with Vermin and the delusional nutjob crybaby took over the limelight. The majority of people who are involved in crypto now are just gambling to make money. They don’t care about adoption; some might say they do, but it’s not really true. They just want to make big $$$, convert to USD, and lambo through life. Hell, prior to today, I was like that for the most part. I always wanted to see progress, but I envisioned myself hitting a high point and pulling out almost everything and cashing out to USD.
Today was my true day of awakening. I learned about bitcoin and it’s goals/purpose years ago, and have been involved ever since. It sounds stupid, but I just now feel like I’ve reached true enlightenment (in terms of believing in the concepts that Satoshi Nakamoto(s) built upon). My involvement in bitcoin is going to change from watching charts and chasing profits to doing WHATEVER I CAN to push back in the face of the banks and give people real control over their money. Prices shouldn’t be what’s in focus, real adoption should. Bitcoin might not be the answer to this issue because of the issues I talked about above. If that’s the case, the solution has yet to be made. Bitcoin’s white paper is a great (currently the best too) foundation . Down with the banks.
'''
I am so incredibly angry right now. We need real adoption, and we need it right fucking now.
Go1dfish undelete link
unreddit undelete link
Author: BudandDoyle69
submitted by removalbot to removalbot [link] [comments]

Agustín Carstens, General Manager of the Bank for International Settlements (BIS, the central bank of central banks) on Cryptocurrencies today

I'd like to hear your thoughts on his lecture held today at the Goethe University in Frankfurt, Germany.
Read the full transcript here or via pdf link. https://www.bis.org/speeches/sp180206.pdf
1/10 Money in the digital age: what role for central banks? Lecture by Agustín Carstens General Manager, Bank for International Settlements House of Finance, Goethe University Frankfurt, 6 February 2018
Introduction Good morning, ladies and gentlemen. Thank you for that kind introduction, Jens. I am very happy to be here at this prestigious university and to be part of this impressive lecture series sponsored by Sustainable Architecture for Finance in Europe (SAFE), the Center for Financial Studies (CFS) and the Deutsche Bundesbank. I would also like to thank Professor Brigitte Haar for being such a generous host today. It is an honour to discuss money at an event organised by the Bundesbank, which has been a beacon of stability since its foundation some 60 years ago. As Jens can attest, being a central banker is a fascinating job. In fact, it is a privilege. During the last decade it has been anything but quiet in the central banking world. We have been confronted with extraordinary circumstances that have required extraordinary policy responses. In such an environment, it has been of the utmost importance to share experiences and lessons learnt among central banks, creating a body of knowledge that will be there for the future. One of the reasons that central bank Governors from all over the world gather in Basel every two months is precisely to discuss issues at the front and centre of the policy debate. Following the Great Financial Crisis, many hours have been spent discussing the design and implications of, for example, unconventional monetary policies such as quantitative easing and negative interest rates. Lately, we have seen a bit of a shift, to issues at the very heart of central banking. This shift is driven by developments at the cutting edge of technology. While it has been bubbling under the surface for years, the meteoric rise of bitcoin and other cryptocurrencies has led us to revisit some fundamental questions that touch on the origin and raison d’être for central banks: • What is money? • What constitutes good money, and where do cryptocurrencies fit in? • And, finally, what role should central banks play? The thrust of my lecture will be that, at the end of the day, money is an indispensable social convention backed by an accountable institution within the State that enjoys public trust. Many things have served as money, but experience suggests that something widely accepted, reliably provided and stable in its command over goods and services works best. Experience has also shown that to be credible, money requires institutional backup, which is best provided by a central bank. While central banks’ actions and services will evolve with technological developments, the rise of cryptocurrencies only highlights the important role central banks have played, and continue to play, as stewards of public trust. Private digital tokens posing as currencies, such as bitcoin and other crypto-assets that have mushroomed of late, must not endanger this trust in the fundamental value and nature of money.
What is money? “What is money?” is obviously a key question for any central banker, and one on which economists have spent much ink. The answer depends on how deep and philosophical one wants to be. Being at a university, especially one named after Goethe, I think I can err on the side of being philosophical. Conventional wisdom tells you that “money is what money does”.1 That is, money is a unit of account, a means of payment and a store of value. But telling you what something does does not really tell you what it is. And it certainly does not tell you why we need or have money, how it comes about and what the preconditions are for it to exist. In terms of the “need” for money, you may learn that money is a way to get around the general lack of double coincidence of wants. That is, it is rare that I have what you want and you have what I want at the same time. As barter is definitely not an efficient way of organising an economy, money is demanded as a tool to facilitate exchange. What about the other side of the coin, so to speak? How does money come about? Again, conventional wisdom may tell you that central banks provide money, ie cash (coins and notes), and commercial banks supply deposits. But this answer is often not fully satisfactory, as it does not tell why and how banks should be the one to “create” money. If you venture into more substantive analyses on monetary economics, things get more complex. One theory, which proposes that “money is memory”, amounts to arguing that a “superledger” can facilitate exchange just like money. This argument says a ledger is a way of keeping track of not only who has what but also who owes, and is owed, what. I will come back to this later. Moving beyond this line of thought, other scholarly and historical analyses provide answers that are more philosophical. These often amount to “money is a convention” – one party accepts it as payment in the expectation that others will also do so.2 Money is an IOU, but a special one because everyone in the economy trusts that it will be accepted by others in exchange for goods and services. One might say money is a “we all owe you”. Many things have served as money in this way. Figure 1 gives some examples: Yap stones, gold coins, cigarettes in war times, $100,000 bills, wissel (Wechsel), ie bills of exchange or bearer notes, such as those issued by the Bank of Amsterdam in the first half of the 17th century. It includes an example from my own country, Aztec hoe (or axe) money, a form of (unstamped) money made of copper used in central Mexico and parts of Central America. 1 See J Hicks, Critical essays in monetary theory, 1979. 2 See D Lewis, Convention: a philosophical study, 1969.
Common to most of these examples is that the nominal value of the items that have served at one time as money is unrelated to their intrinsic value. Indeed, as we know very well in the case of fiat money, the intrinsic value of most of its representations is zero. History shows that money as a convention needs to have a basis of trust, supported by some form of institutional arrangement.3 As Curzio Giannini puts it: “The evolution of monetary institutions appears to be above all the fruit of a continuous dialogue between economic and political spheres, with each taking turns to create monetary innovations … and to safeguard the common interest against abuse stemming from partisan interests.”4 Money can come in different institutional forms and colours. How to organise them? The paper by Bech and Garratt in last September’s BIS Quarterly Review presented the money flower as a way of organising monies in today’s environment.5 It acknowledges that money can take on rather different forms and be supplied in various ways. The money flower Allow me to explain, noting that we do not sell seeds to this money flower! 3 Fiat means “by law“. So, in principle, it should be said that money exists by convention or by law. But if trust in money does not prevail, the legal mandate that conveys value to money becomes meaningless. 4 C Giannini, The age of central banks, 2011. 5 M Bech and R Garratt, “Central bank cryptocurrencies”, BIS Quarterly Review, September 2017, pp 55–70.
The money flower highlights four key properties on the supply side of money: the issuer, the form, the degree of accessibility and the transfer mechanism. • The issuer can be either the central bank or “other”. “Other” includes nobody, that is, a particular type of money that is not the liability of anyone. • In terms of the form it takes, money is either electronic or physical. • Accessibility refers to how widely the type of money is available. It can either be wide or limited. • Transfer mechanism can either be a central intermediary or peer-to-peer, meaning transactions occur directly between the payer and the payee without the need for a central intermediary. Let us look at where some common types of money fit into the flower, starting with cash (or bank notes) as we know it today. Cash is issued by the central bank, is not electronic, is available to everyone and is peer-to-peer. I do not need a trusted third party such as Jens to help me pay each of you 10 euros. Let us try another one: bank deposits. They are not the liability of the central bank, mostly electronic, and in most countries available to most people, but clearly not peer-to-peer. Transferring resources from a bank deposit requires the involvement of at least your own bank, perhaps the central bank and the recipient’s bank. Think here not only of commercial bank deposits but also bills, eg non-interest bearing (bearer) certificates, issued privately, as in the case of the Bank of Amsterdam mentioned earlier. Local or regional currencies are the ones that can be spent in a particular geographical location at participating organisations. They tend to be physical. The túmin, for example, was a local currency circulating (illegally) for some time around 2010 exclusively in the Mexican municipality of Espinal. What does digitalisation mean for the flower? Digitalisation is nothing new: financial services and most forms of money have been largely digital for many years. Much of the ongoing transformation is just adding a mobile version for many services, which means that the device becomes a virtual extension of the institution. As such, there is not a new model. The money flower then also easily accommodates these forms.
That is also the case for the digital, account-based forms of money that central banks traditionally have made available to commercial banks and, in some instances, to certain other financial or public institutions (ie bank reserves). It would also be the case if the central bank were to issue digital money to the wider public for general purposes. Each central bank will have to make its own decision on whether issuing digital money is desirable, after considering factors such as the structure of the financial system and underlying preferences for privacy. The central bank community is actively analysing this issue. A potentially important and leapfrogging digital-related development, however, is distributed ledger technology (DLT), the basis for Bitcoin. Many think DLT could transform financial service provision, maybe first wholesale, then possibly retail. For example, it could enhance settlement efficiency involving securities and derivatives transactions. A few central banks have conducted experiments in this area, for example the Bank of Canada, the Bundesbank, the Monetary Authority of Singapore and the Bank of England.6 Yet doubts remain regarding the maturity of DLT and the size of associated efficiency gains relative to existing technologies. Moreover, their robustness, including to cyber-risk, is still to be fully understood and ascertained. Still, there are potential benefits, and I expect that central banks will remain engaged on this topic.7 For now, DLT is largely used to “create” bitcoin and other digital currencies. Such cryptocurrencies can be placed easily in the money flower. Nobody issues them, they are not physical and they are peer-to-peer. But beyond that, how should one think about them? What constitutes good money? Just because we are able to find a place for bitcoin in our money flower does not mean we should consider it as “good” money. As I mentioned before, trust is the fundamental tenet that underpins credible currencies, and this trust has to be earned and supported. There are many lessons from history and institutional economics on the earning of trust that we can use as we move further into digitalisation.8 Over the ages, many forms of private money have come and gone. It is fair to say that the same has happened with various experiments with public money (that is, money issued by a public entity that is not the central bank). While some lasted longer than others, most have invariably given way to some form of central bank money. The main reason for their disappearance is that the “incentives to cheat” are simply too high. Let me give three historical examples: one in Germany, another in the United States and the last one in Mexico. In Germany, the Thirty Years War (1618–48), involving small German states of the Holy Roman Empire and neighbouring regional powers, was associated with one of the most severe economic crises ever recorded, with rampant hyperinflation – just as happened three centuries later during the Weimar Republic – and the breakdown of trade and economic activity. The crisis became known as the Kipper- und Wipperzeit (the clipping and culling times), after the practice of clipping coins (shaving metal from their circumference) and sorting good coins from bad. This morning, we are launching a BIS Working Paper, by Professor Isabel Schnabel and BIS Economic Adviser Hyun Song Shin, which further details and explains this experience, as background to my speech. 6 See Bech and Garratt, op cit. 7 See Committee on Payments and Market Infrastructures, Distributed ledger technology in payment, clearing and settlement: an analytical framework, February 2017. 8 See D North, Institutions, institutional change and economic performance, 1990.
While episodes of currency debasement have occurred throughout history, this one stands out for two reasons. First is the severity of the crisis and its rapid regional spread. Debasement proceeded at such a pace that public authorities quickly lost control of the downward spiral. Second is how the debasement was brought under control. This occurred through standardisation of wholesale payments by public deposit banks, for example the Bank of Hamburg and the Bank of Amsterdam. These were in many ways examples of the precursors of modern central banks. As the working paper argues, monetary order could be brought to an otherwise chaotic situation by providing reliable payment means through precursors to central bank money, which at the end means the use of a credible institutional arrangement. In the period in the United States known as the Free Banking Era, from 1837 to 1863, many banks sprang up that issued currency with no oversight of any kind by the federal government.10 These so-called free bank notes did not work very well as a medium of exchange. Given that there were so many banks of varying reputations issuing notes, they sold at different prices in different places, making transactions quite complicated. And as supervision was largely absent, banks had limited restraint in issuing notes and did not back them up sufficiently with specie (gold or silver), thereby debasing their values. This era of “wildcat banking” ended up being a long and costly period of banking instability in the history of the US, with banking panics and major disruptions to economic activity. It was, after some further hiccups, followed by the establishment of the Federal Reserve System in 1913. Let me present a final example, from Mexican monetary history. A little known fact is that Mexico had the first series of hyperinflations at the beginning of the 20th century. My country had a revolution from 1910 to 1921, in which no central government existed in an effective way, with many factions fighting and disputing different territories. A winning faction would arrive in a territory, print its own money and make void previously issued cash. So different bills issued by different factions coexisted, leading to chaos and hyperinflation. To give you an idea of the disorder, in 2015 four trunks full of bills were returned to Mexico after having been appropriated by the US Navy in 1914, when the US occupied the port city of Veracruz. In the trunks, the Bank of Mexico discovered dozens of types of bills that the central bank had not even known existed.11 At the end of the conflict, a new constitution was drafted, having as a central article one which gave the Bank of Mexico the appropriate institutional framework, designating it the exclusive issuer of currency in the country. Once this was in place, hyperinflation ceased, illustrating the importance of controlling fiscal dominance (which tends to be the result of the abuse of publicly issued money). Based on these experiences, most observers, and I suspect all of you here, would agree that laissez-faire is not a good approach in banking or in the issuance of money. Indeed, the paradigm of strict bank regulation and supervision and central banks overseeing the financial and monetary system that has emerged over the last century or so has proven to be the most effective way to avoid the instability and high economic costs associated with the proliferation of private and public monies. 9 I Schnabel and H S Shin, “Money and trust: lessons from the 1620s for money in the digital age”, BIS Working Papers, no 698, February 2018. 10 See G Dwyer, “Wildcat banking, banking panics, and free banking in the United States”, Federal Reserve Bank of Atlanta Economic Review, vol 81, nos 3–6, 1996; A Rolnick and W Weber, “New evidence of the free banking era”, The American Economic Review, vol 73, no 5, December 1983, pp 1080–91; and C Calomiris, “Banking crises yesterday and today”, Financial History Review, vol 17, no 1, 2010, pp 3–12. 11 See Bank of Mexico, “La SRE entregó al Banco de México un acervo de billetes de la época del porfiriato”, press release, 1 June 2015, www.banxico.org.mx/informacion-para-la-prensa/comunicados/billetes-y-monedas/billetes/%7B3A41E6F8-FBD8-2FA7-DA0B-66FCCE46430A%7D.pdf.
The unhappy experience with private forms of money raises deep questions about whether the proliferation of cryptocurrencies is desirable or sustainable. Even if the supply of one type of cryptocurrency is limited, the mushrooming of so many of them means that the total supply of all forms of cryptocurrency is unlimited. Added to this is the practice of “forking”, where an offshoot of an existing cryptocurrency can be conjured up from thin air. Given the experience with currency debasement that has peppered history, the proliferation of such private monies should give everyone pause for thought. I will return to this shortly. We have learned over the centuries that money as a social institution requires a solution to the problem of a lack of trust.12 The central banks that often emerged in the wake of the private and public money collapses may not have looked like the ones we have today, but they all had some institutional backing. The forms of this backing for their issuance of money have differed over time and by country.13 Commodity money has often been the start. History shows that gold and other precious metals stored in the vault with governance (and physical) safeguards can provide some assurance. Commodity money is not the only or necessarily sufficient mechanism. Often it also required a city-, state- or nation-provided charter, as with the emergence of giro banks in many European countries. Later, the willingness of central banks to convert money for gold at a fixed price (the gold standard) was the mechanism. Currency boards, where local money is issued one-to-one with changes in foreign currency holdings, can also work to provide credibility. The tried, trusted and resilient modern way to provide confidence in public money is the independent central bank. This means legal safeguards and agreed goals, ie clear monetary policy objectives, operational, instrument and administrative independence, together with democratic accountability to ensure broad-based political support and legitimacy. While not fully immune from the temptation to cheat, central banks as an institution are hard to beat in terms of safeguarding society’s economic and political interest in a stable currency. Where do cryptocurrencies fit in? One could argue that bitcoin and other cryptocurrencies’ attractiveness lies in an intelligent application of DLT. DLT provides a method to broadcast transactions publicly and pseudonymously in a way that achieves in principle ledger immutability.14 Who would have thought that having people guessing solutions to what was described to me by a techie as the mathematical equivalent of mega-sudokus would be a way to generate consensus among strangers around the world through a proof of work? Does it thus provide a novel solution to the problem of how to generate trust among people who do not know each other? If DLT provides the potential for a superledger, could bitcoin and other cryptocurrencies then substitute for some forms of money?15 We do not have the full answers, but at this time the answer, also in the light of historical experiences, is probably a sound no, for many reasons. In fact, we are seeing the type of cracks and cheating that brought down other private currencies starting to appear in the House of Bitcoin. As an institution, Bitcoin has some obvious flaws. 12 See M King, “The institutions of monetary policy”, speech at the American Economic Association Annual Meeting, San Diego, 4 January 2004. 13 See Giannini, op cit. 14 See Committee on Payments and Market Infrastructures, op cit. 15 See N Kocherlakota, “Money is memory”, Journal of Economic Theory, vol 81, pp 232–51, 1998. In fact, he shows in a very stark setting that having a costless means to record the memory of all economic actors, both present and past, can do as much as money, and sometimes more. Conversely, money effectively functions as memory by providing an observable record of past transactions – that is, agents can tell whether a potential trader is running a current deficit or surplus with society by looking at the money balances that trader is carrying. The finding, however, is theoretical and not robust to slight changes in assumptions, including the risk of loss of data.
Debasement. As I mentioned, we may be seeing the modern-day equivalent of clipping and culling. In Bitcoin, these take the form of forks, a type of spin-off in which developers clone Bitcoin’s software, release it with a new name and a new coin, after possibly adding a few new features or tinkering with the algorithms’ parameters. Often, the objective is to capitalise on the public’s familiarity with Bitcoin to make some serious money, at least virtually. Last year alone, 19 Bitcoin forks came out, including Bitcoin Cash, Bitcoin Gold and Bitcoin Diamond. Forks can fork again, and many more could happen. After all, it just takes a bunch of smart programmers and a catchy name. As in the past, these modern-day clippings dilute the value of existing ones, to the extent such cryptocurrencies have any economic value at all. Trust. As the saying goes, trust takes years to build, seconds to break and forever to repair. Historical experiences suggest that these “assets” are probably not sustainable as money. Cryptocurrencies are not the liability of any individual or institution, or backed by any authority. Governance weaknesses, such as the concentration of their ownership, could make them even less trustworthy. Indeed, to use them often means resorting to an intermediary (for example, the bitcoin exchanges) to which one has to trust one’s money. More generally, they piggyback on the same institutional infrastructure that serves the overall financial system and on the trust that it provides. This reflects their challenge to establish their own trust in the face of cyber-attacks, loss of customers’ funds, limits on transferring funds and inadequate market integrity. Inefficiency. Novel technology is not the same as better technology or better economics. That is clearly the case with Bitcoin: while perhaps intended as an alternative payment system with no government involvement, it has become a combination of a bubble, a Ponzi scheme and an environmental disaster. The volatility of bitcoin renders it a poor means of payment and a crazy way to store value. Very few people use it for payments or as a unit of account. In fact, at a major cryptocurrency conference the registration fee could not be paid with bitcoins because it was too costly and slow: only conventional money was accepted. To the extent they are used, bitcoins and their cousins seem more attractive to those who want to make transactions in the black or illegal economy, rather than everyday transactions. In a way, this should not be surprising, since individuals who massively evade taxes or launder money are the ones who are willing to live with cryptocurrencies’ extreme price volatility. In practice, central bank experiments show that DLT-based systems are very expensive to run and slower and much less efficient to operate than conventional payment and settlement systems. The electricity used in the process of mining bitcoins is staggering, estimated to be equal to the amount Singapore uses every day in electricity,16 making them socially wasteful and environmentally bad. Therefore, the current fascination with these cryptocurrencies seems to have more to do with a speculative mania than any use as a form of electronic payment, except for illegal activities. Accordingly, authorities are edging closer and closer to clamping down to contain the risks related to cryptocurrencies. There is a strong case for policy intervention. As now noted by many securities markets and regulatory and supervisory agencies, these assets can raise concerns related to consumer and investor protection. Appropriate authorities have a duty to educate and protect investors and consumers, and need to be prepared to act. Moreover, there are concerns related to tax evasion, money laundering and criminal finance. Authorities should welcome innovation. But they have a duty to make sure technological advances are not used to legitimise profits from illegal activities. 16 See Digiconomist, “Bitcoin energy consumption index”, digiconomist.net/bitcoin-energy-consumption.
What role for the central bank? Central banks, acting by themselves and/or in coordination with other financial authorities like bank regulators and supervisors, ministries of finance, tax agencies and financial intelligence units, may also need to act, given their roles in providing money services and safeguarding money’s real value. Working with commercial banks, authorities have a part to play in policing the digital frontier. Commercial banks are on the front line since they are the ones settling trades, providing real liquidity, keeping exchanges going and interacting with customers. It is alarming that some banks have advertised “bitcoin ATMs” where you can buy and sell bitcoins. Authorities need to ensure commercial banks do not facilitate unscrupulous behaviours. Central banks need to safeguard payment systems. To date, Bitcoin is not functional as a means of payment, but it relies on the oxygen provided by the connection to standard means of payments and trading apps that link users to conventional bank accounts. If the only “business case” is use for illicit or illegal transactions, central banks cannot allow such tokens to rely on much of the same institutional infrastructure that serves the overall financial system and freeload on the trust that it provides. Authorities should apply the principle that the Basel Process has adhered to for years: to provide a level playing field to all participants in financial markets (banks and non-banks alike), while at the same time fostering innovative, secure and competitive markets. In this context, this means, among other things, ensuring that the same high standards that money transfer and payment service providers have to meet are also met by Bitcoin-type exchanges. It also means ensuring that legitimate banking and payment services are only offered to those exchanges and products that meet these high standards. Financial authorities may also have a case to intervene to ensure financial stability. To date, many judge that, given cryptocurrencies’ small size and limited interconnectedness, concerns about them do not rise to a systemic level. But if authorities do not act pre-emptively, cryptocurrencies could become more interconnected with the main financial system and become a threat to financial stability. Most importantly, the meteoric rise of cryptocurrencies should not make us forget the important role central banks play as stewards of public trust. Private digital tokens masquerading as currencies must not subvert this trust. As history has shown, there simply is no substitute. Still, central banks are embracing new technologies as appropriate. Many new developments can help. For example, fintech and “techfin” – which refers to established technology platforms venturing into financial services. These are changing financial service provision in many countries, most clearly in payments, and especially in some emerging market economies (for example, China and Kenya). While they introduce the possibility of non-bank financial institutions introducing money-type instruments, which raises a familiar set of regulatory questions, they do present scope for many gains. Conclusion In conclusion, while cryptocurrencies may pretend to be currencies, they fail the basic textbook definitions. Most would agree that they do not function as a unit of account. Their volatile valuations make them unsafe to rely on as a common means of payment and a stable store of value. They also defy lessons from theory and experiences. Most importantly, given their many fragilities, cryptocurrencies are unlikely to satisfy the requirement of trust to make them sustainable forms of money. While new technologies have the potential to improve our lives, this is not invariably the case. Thus, central banks must be prepared to intervene if needed. After all, cryptocurrencies piggyback on the institutional infrastructure that serves the wider financial system, gaining a semblance of legitimacy from their links to it. This clearly falls under central banks’ area of responsibility. The buck stops here. But the buck also starts here. Credible money will continue to arise from central bank decisions, taken in the light of day and in the public interest. In particular, central banks and financial authorities should pay special attention to two aspects. First, to the ties linking cryptocurrencies to real currencies, to ensure that the relationship is not parasitic. And second, to the level playing field principle. This means “same risk, same regulation”. And no exceptions allowed.
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Log of AMA with Blockport.io - @Kai Bennink , @Sebastiaan Lichter, @Pascal, (Pascal van Stehen) and @Zowie Langdon

Disclaimer: ARK is regularly hosting Ask-me-Anything's of upcoming and promising cryptocurrency projects. Other than being the host, there is no relation between ARK and the featured cryptocurrency in this AMA. Keep in mind that ARK has no competitors - only future partners.
dr10 Let us all welcome the team from Blockport.io @Kai Bennink (Founder of Blockport), @Sebastiaan Lichter (Founder of Blockport) @Pascal (Marketing at Blockport) (Pascal van Stehen) and @Zowie Langdon (Chief technology of Blockport) (Zowie Langdon). You can all start asking them questions. I'd ask team from Blockport to use @ username to the one they are responding to and I'd like to ask all the community to give them some time to catch up if too many questions in backlog, before asking more so questions don't get lost. Thank you! (edited)
Sebastiaan Lichter (Founder of Blockport) Hi everyone!
JayCrypto What is blockport
dr10 Welcome!
*lars * Welcome !
Pascal (Marketing at Blockport) Hey everyone!
Sebastiaan Lichter (Founder of Blockport) @JayCrypto Blockport is a hybrid-decentralized exchange with a strong focus on user-friendliness, social trading features and building a knowledge sharing community.
tranzer How is blockport different than other exchanges? Are you gonna offer fiat pairs?
Crasha What do you need a token for?
Kai Bennink (Founder of Blockport) Hey Crasha, good question, we use the Blockport token to create a micro-economy inside the Blockport exchange to incentivise experienced traders for sharing their knowledge and trading activities. In order to "govern" this micro-economy we therefore create our own token :slightly_smiling_face:
Kai Bennink (Founder of Blockport) Hey all
munich (Ark.Land Delegate) Welcome!
Sebastiaan Lichter (Founder of Blockport) @tranzer Blockport focuses on user-friendliness and simplicity. This means that anyone, beginner or advanced, can use the Blockport exchange without having any prior knowledge or experience with professional trading. Unlike other exchanges, Blockport is not just about trading. As a social platform, we implement social trading and knowledge sharing features in the core of our exchange. Additionally, we offer our members the best of both worlds by combining centralized trading with decentralized storing of crypto assets. For more technical information about the Blockport functional design, please read our white paper.
munich (Ark.Land Delegate) Will there be any fees for using Blockport?
Sebastiaan Lichter (Founder of Blockport) @munich (Ark.Land Delegate) yes, we handle fees. Since we're also connected with other exchanges we have to cover their fees as well. We work towards a decentralized way of trading so that fees become minimum.
pieface Hello and welcome
Blazeron how does the token have value?
*munich (Ark.Land Delegate) * Has the whitepaper been released? (edited)
Zowie Langdon (Chief technology of Blockport) @munich (Ark.Land Delegate) The whitepaper is indeed released and available here: https://blockport.io/read-the/whitepaper.pdf :slightly_smiling_face:
Spiros (Chief Design at Blockport) Hey everyone
ovsh @Sebastiaan Lichter (Founder of Blockport) As your previous background is comprised of an MBA internship and a 4 month startup that has no current available website right now (poolhere.com), what makes you confident you have the ability to deliver such a huge platform?
Sebastiaan Lichter (Founder of Blockport) It's not just about me. We are a team with different capabilities. I have a strong network and social skills and built a great team around me. Having said that, I have also been a project manager at the biggest insurance platform in the netherlands where I was leading a team on conversational AI / chatbot technology.
Sebastiaan Lichter (Founder of Blockport) Great question by the way:)
ovsh ^ pointy question, but this is an AMA
pieface Could you please define social features? Is it a platform which will allow you to add other traders as friends or "follow" them etc? Also, what's the method of connecting with other people you don't directly know?
pieface For example, i'm a lonely trader on your platform and want to socialise, how does that happen?
strengthbst2 Yes I don't understand how the social features would be useful.
*munich (Ark.Land Delegate) * Will your token be used as a way to get fee discounts? Like Binance and KuCoin
Sebastiaan Lichter (Founder of Blockport) @munich (Ark.Land Delegate) Yes, one of the utilities of the token, is to pay for discounted trading fees like Binance. The other utility is to pay for social trading features.
Kai Bennink (Founder of Blockport) @Crasha "Why do you need a token" Hey Crasha, good question, we use the Blockport token to create a micro-economy inside the Blockport exchange to incentivise experienced traders for sharing their knowledge and trading activities. In order to "govern" this micro-economy we need a token that we can control.
ovsh ^ @Kai Bennink (Founder of Blockport) Can you expand on the 'incentivise an experience trader' part? Assuming I'm an experienced trader, how would that work? And as most tokens are held right now as a form of investment, what prevents the token from being grubbled up to expect a price hike?
cam When's release goal?
Crasha So what will be the experience for these difference permutations of users? Experienced trader with many tokens Experienced trader with few tokens New trader with many tokens New trader with few tokens
Pascal (Marketing at Blockport) Hi @pieface, Blockport offers our members a professional platform where they can demonstrate their skills, and explain their strategies to the community. Social trading features consist of you being able to follow other traders and paying experienced traders to have a peek into their portfolio.
For more information on these features, check our recent post on Medium: https://medium.com/blockport/blockports-social-trading-features-b4fdb646dd43 (edited)
Zowie Langdon (Chief technology of Blockport) @cam Hi! You can find our roadmap on our website here: https://blockport.io/#home_route-map :slightly_smiling_face: Blockport The first social crypto exchange We are building a user-friendly crypto exchange that combines social trading with a hybrid-decentralized architecture to help people safely trade crypto assets. We bridge the gap between the crypto economy and the traditional world of finance to shift towards a digital and decentralized society.
Spiros (Chief Design at Blockport) :+1:
cam How is one considered experienced? Word of mouth? Paid via blockport tokens or preferred form of payment?
pieface thanks @Pascal (Marketing at Blockport)
Kai Bennink (Founder of Blockport) @ovsh Beginner traders can pay experienced traders Blockport tokens (BPT) to follow or copy their trading activities. In return, experienced traders can earn BPT to share their portfolio, knowledge and insights with beginners. This opens up a new stream of revenue for experienced traders, next to earning returns on trading. When it comes to people holding the token as an investment, we cannot prohibit this.
tranzer You also going to offer margin trading?
Sebastiaan Lichter (Founder of Blockport) @Crasha I don't know if I correctly understand your question. But experienced traders who perform well, will probably gain more of a following so that they will earn more BPT as a reward. Members who don't have a lot of BPT can earn them by gaining followers or sharing information or buy them in the Token Shop within the Blockport exchange.
KidCDN I like that idea personally!
Sebastiaan Lichter (Founder of Blockport) @tranzer That's not on our current roadmap, but we will not exclude it from future plans.
Kai Bennink (Founder of Blockport) @cam For every member we will track their performance based on certain indicators, such as: ROI in the past 6 months, amount of followers, etc. We have not defined these KPI's yet but it is definitely something we will develop in Q2/Q3 of 2018.
ceibaweb will I be able to buy Ark with fiat on Blockport
Sebastiaan Lichter (Founder of Blockport) @ceibaweb We are open to discuss the possibilities :slightly_smiling_face:
Kai Bennink (Founder of Blockport) @KidCDN Thanks! Could you explain why? :slightly_smiling_face:
tranzer Are you all from Netherlands? Have your own office or working from your homes ?
lars They are all working in my basement :trollark:
Sebastiaan Lichter (Founder of Blockport) @tranzer Yes, we're all from the Netherlands. Our HQ is located in TQ, which is a curated tech hub backed by Google and KPMG in Amsterdam, the Netherlands.
arno @Sebastiaan Lichter (Founder of Blockport) will you accept USD deposits?
Kai Bennink (Founder of Blockport) @lars hahaha
KidCDN @Kai Bennink (Founder of Blockport) As someone who is pretty darn new in the world of cryptocurrency and looking to actually progress, having more successful traders' tips and portfolio to use as reference (not necessarily a copy as you want to make your own decisions so you don't blame anyone for potential losses) would be very appealing. I also know that some people would rather keep their successful methods to themselves, so having some form of compensation for sharing with others could be very appealing.
It also makes you want to study up, build a following and communicate with the community more frequently, because gaining followers is just generally beneficial and gaining tokens for doing so seems like a great added reward.
JayCrypto Can you share your teams tech experience
tranze How much you aim to raise? Must say kind of like this idea of hybrid exchange.
Sebastiaan Lichter (Founder of Blockport) @arno because we're located in the Netherlands we will start with accepting EUR, this is also due to our partnership with CardGate (payment provider). However, we will move forward to accepting creditcards and other currencies. Regulatory wise this is a challenge.
Sebastiaan Lichter (Founder of Blockport) @tranzer Great :slightly_smiling_face: the hardcap for the pre-sale is €1M and for the crowdsale it is €9M.
munich (Ark.Land Delegate) So you will accept credit cards right away? How do you plan to deal with possible chargebacks and fraud?
Sebastiaan Lichter (Founder of Blockport) @munich (Ark.Land Delegate) No we will not accept them right away. We will be moving forward as fast as possible to accept creditcards, exactly because of the chargebacks.
munich (Ark.Land Delegate) Ok, what about IDEA, SEPA transfers?
Sebastiaan Lichter (Founder of Blockport) @munich (Ark.Land Delegate) Yes, those we will accept :wink:
ovsh what is this 'referral code' on the pre-token sale form?
ovsh & is there a reason the design & UX language on blockport is very very similar to that of Coinbase?
Sebastiaan Lichter (Founder of Blockport) @ovsh We issue referral codes to community members who like to be ambassadors and wish to spread the news with their network. They will get a reward for referring people. If this interests you, you can join our community here and request one: https://t.me/blockport Telegram Blockport Community You can view and join @blockport right away.
ovsh Sounds cool! As a dev, how do I pitch in if I'm interested?
Sebastiaan Lichter (Founder of Blockport) @KidCDN Great to hear:)
Azek It doesn't seem exactly fair or open to have a private pre-sale and then a public pre sale. What is the reasoning for this, and why not just have a public token sale, in the spirit of being open and transparent.
Sebastiaan Lichter (Founder of Blockport) @ovsh You need to talk with our CTO :slightly_smiling_face: @Zowie Langdon (Chief technology of Blockport)
Kai Bennink (Founder of Blockport) @KidCDN Wauw, thanks for the elaborate feedback :slightly_smiling_face:
Zowie Langdon (Chief technology of Blockport) @JayCrypto Our technical team consists of people with a diverse set of expertise! I myself function as a lead engineer at my own company that specializes in web application development, and and I mainly work as an architect and Python developer and love to tinker in/around security related subjects and infrastructure management.
We also have an engineer, Laurens Profittlich in our team that is lead developer for a company that specializes in fraud detection, working for some of the largest banks in the Netherlands (including Rabobank).
Then there is Jan Bolhuis, Ethereum developer, experienced Audit & Security specialist and has worked for the Dutch Navy as an IT specialist.
Also, Erik Terpstra, who is founding engineer of Blendle, API specialist and early Bitcoin investotrader is part of our team.
Additionally we have an experienced Blockchain dev that is still currently working for a large BTC Merchant payment provider, he wishes to stay anonymous for now.
And then there is Bas du Pré, currently lead developer at ABN Amro, who is joining us to build our MVP!
Azek Sounds like an awesome team :slightly_smiling_face:
Spiros (Chief Design at Blockport) @ovsh Good questions; We made careful decisions on which elements to include and exclude form our platform. In the end we wanted to focus on simplicity of use. We came to a set of functionalities that we all agreed should cover the basic functions for beginner traders to be able to enter. These choices also gave us the ability to build on these functionalities for future additions with regards to experienced traders using our platform.
Indeed some functionalities resemble other trading platform but we strongly believe Blockport has a strong (Ux) identity and you will experience this for yourself when the time comes to have a full look at our platform including the trading platform and social features. These are all unique in feature and design.
ovsh One thing I'm worried about is the timeline. Q2-Q3 in 2018 crypto-land is roughly 500 light years in real time. Assuming a more 'relaxed' (increased) financial cap, what's your flexibility in ramping up development time?
Azek I had the same concern as you do ovsh when I read the timeline
Sebastiaan Lichter (Founder of Blockport) @Azek Everyone can signup for the pre-sale but participants have to purchase the minimum amount of BPT. In that sense, the pre-sale is publicly accessible to everyone, however, the public crowdsale starting 1st of March is more accessible for "the crowd" because of the lower minimum participation of 0.1 ETH. We are also in contact with some bigger players who requested a private sale, but we have gotten more attention than we'd expected so now the private also looks more like a public sale.
Azek Ah okay. That makes more sense.
Azek Got my +1 now :wink:
Kai Bennink (Founder of Blockport) We just (1 hour ago) launched our new website, do you guys have any feedback?
Sebastiaan Lichter (Founder of Blockport) @Azek Great! :slightly_smiling_face:
Kai Bennink (Founder of Blockport) www.blockport.io
Azek So the private one is one that you have to register for (and I think it costs 2.5 ETH) and the 'public' one is one that anyone can grab for only a min of .1 ETH
rootbark so your UI is designed for newbies to be user friendly but you have large private investors getting discounted undisclosed rates. Can you give us a breakdown of how many coins for the stages in your sale? (edited)
Zowie Langdon (Chief technology of Blockport) @ovsh @Azek Good question! And a valid concern. As a developer you can probably acknowledge that there is a certain maximum you reach in terms of development performance, especially when working on something that can be considered quite experimental (startup in crypto land). We are definitely aiming to increase our team capacity and thereby the speed with which we build Blockport, but we value stability of our platform and want to ensure proper delivery. Therefore we might be able to speed it up, but we don’t want make any promises that we might not be able to keep. As you know, big promises that may or may not be kept in the end are not scarce in crypto land :slightly_smiling_face:
Sebastiaan Lichter (Founder of Blockport) @Azek Exactly.
ovsh What's the status of the tech right now?
ovsh & more importantly, what's the "decentralized" component of the exchange itself?
Sebastiaan Lichter (Founder of Blockport) @rootbark We keep the amount for private investors relatively low (13% of the total tokensales amount). So that the private presale total token amount is 6.400.000 BPT and for the crowdsale it is 43.200.000 BPT. The biggest amount of all the BPT available is for the crowd. Also of all BPT ever being minted, 71,4% is going to the token sales.
dr10 OK, we are approaching the 60 minutes mark. Any last questions for Blockport team? Anything the team would like to add or tell - feel free to do.
rootbark im sorry if this was asked but where are you based?
mward @Sebastiaan Lichter (Founder of Blockport) so for the pre-sale we need to apply on the website and wait for mail
Spiros (Chief Design at Blockport) @rootbark Amsterdam - Netherlands
Sebastiaan Lichter (Founder of Blockport) @rootbark Sebastiaan Lichter @tranzer Yes, we're all from the Netherlands. Our HQ is located in TQ, which is a curated tech hub backed by Google and KPMG in Amsterdam, the Netherlands. Posted in #trading_altcoinsToday at 7:22 PM
ovsh what's the "decentralized" component of the exchange itself?
mike any chance the platform will let you follow multiple traders, assign a weight to their porfolios, and combine them into a single displayed portfolio. also, have you heard of Marketocracy, ran a similar type of service without crypto a few years back?
Zowie Langdon (Chief technology of Blockport) @ovsh We have been experimenting with the necessary components needed for our MVP in Q1. Basically, our infrastructure is more or less defined and we have been able to hook up some components to assess feasibility of our roadmap. Now, we are focusing on getting our MVP in the air before January 2018 excluding the actual trading of crypto on the platform.
As for the decentralized part of the exchange we are currently looking into using an open-protocol such as Kyber Network, Polkadot or Loopring (0x is also a good option but they only offer ERC20 based tokens). We know that the decentralized protocols are hot, but can lack the needed performance. Therefore, we have not specified exactly what protocol we will work with for now, to allow for flexibility we might need.
Sebastiaan Lichter (Founder of Blockport) @mward That's correct, you will get a mail when the whitelisting process is live.
mward any eta?
Sebastiaan Lichter (Founder of Blockport) @mward In 2 weeks time
mward thanks
hemlck Sorry if this has been asked already, you say on your site that the user owns the private key to the Wallet. Does this mean it goes straight to your own wallet (the users wallet) or is it still held by you guys?
Sebastiaan Lichter (Founder of Blockport) @mike Yes we allow you to follow multiple traders and decide how much of your funds you wish to allocate to each of them. I haven't heard of Marketocracy, could you share a link?
mike https://en.wikipedia.org/wiki/Marketocracy
Sebastiaan Lichter (Founder of Blockport) @mike thanks!
mike Marketocracy let you paper trade a portfolio, had contests for best performers, and used the best to run their own fund.
Sebastiaan Lichter (Founder of Blockport) Thank you everyone for participating and asking us challenging and good questions:) If you're excited please feel free to join our telegram community: https://t.me/blockport and keep updated about our progress!
dr10 You might want to share your social media channels and more details on the crowdsale. :slightly_smiling_face:
dr10 Ah yeah :smile:
mike you could also choose to follow other traders. It was written on Ruby on Rails, know one of the devs who used to work there.
munich (Ark.Land Delegate) +1 for using Ark
Sebastiaan Lichter (Founder of Blockport) The presale starts the 3rd of January! and our Crowdsale starts the 1st of March: )
Jan Bolhuis @ArkEcosystem; thank you for this 60 minute opportunity!
Sebastiaan Lichter (Founder of Blockport) @mike looks promising :slightly_smiling_face: thank you
Kai Bennink (Founder of Blockport) Thanks @dr10 and thanks everyone for you questions and feedback!:clapping:
dr10 Thank you Kai, Sebastiaan, Zowie, Spiros and Pascal for taking the time to do this AMA! All the best with the project and you are always welcome to hang around our Slack.
lars Thanks guys for your time!
Sebastiaan Lichter (Founder of Blockport) @dr10 Thank you dr10 for the support we really appreciate it:)
JohnnyD Sorry if it has been answered, but is there a reason why the presale is limited to 2 eth?
tranzer Good luck with project you guys look serious and interesting will keep an eye out
JohnnyD Or whatever the lmit was?
Sebastiaan Lichter (Founder of Blockport) @lars thank you !
lars And you guys can hang out ofcourse
Sebastiaan Lichter (Founder of Blockport) @JohnnyD it is not limited, it is a minimum. (2.5 ETH).
JohnnyD oh, right. Why there's a lower limit I meant. sorry
Sebastiaan Lichter (Founder of Blockport) @tranzer thank you for your support and great questions
mike thanks for presenting a very good project for crypto, look forward to it coming out.
Sebastiaan Lichter (Founder of Blockport) @JohnnyD its due to an other audience we're targeting than the crowdsale.
Zowie Langdon (Chief technology of Blockport) Thanks everyone for the questions, feedback and support! :smile:
JohnnyD um, ok
mike Ark ACES may be useful to you as it adds coins, and ArkVM and AIP11, the Ark Virtual Machine and upgraded tx protocol to support solidity contracts on ArkVM.
Pascal (Marketing at Blockport) Thanks for the interest everyone, see you on the moon :slightly_smiling_face:
submitted by Dr10tv to ArkEcosystem [link] [comments]

Transcript of George Webb Video Series Part 229 "Hillary's Leakers, Hackers, and Henchmen" [@Georgwebb / #HRCRatline]

  • Day 59.12. Turns McCabe Knew Christopher Steele From EurAsia Days - YouTube
    • It's day 59 this is version 11
    • So Thomas Paine's out with another article today yeah--what it turns out that Christopher Steele--the first time he met Andrew McCabe, it wasn't last year
    • No no it wasn't
    • {{ GOWDYMODE Activated }} As a matter of fact, goes way back way back
    • Before Andy McCabe, before Andy McCabe--(I got to do the Gowdy) before Andy McCabe ever cayme to DC!
    • Before I knew Trey Gowdy!
    • Right and where it was is these guys all started in Boston
    • They're all in this Whitey Bulger thing
    • All the these corrupt agents they go back to Silk Road
    • They moved down to EDNY which is through the eastern district--that's the Brooklyn
    • It became part of that hit team homies hit team and then they moved over to SDNY to be when Comey moved over to the Southern District to New York down in Manhattan became part of that hit team
    • If you know the reputation of Southern District of New York, it's called the Southern District of Anywhere or Everywhere
    • That's when you can start going and going after FIFA guys you can you can take on people all over the world
    • You can go to Malaysia and go after people that are laundering money they're laundering money in Indonesia, put out the Panama papers to extort some more, you know, contributions for Hillary, right?
    • And then Andrew McCabe comes to DC
    • Now guess what? What did he do that before that?
    • He was the Russian organized crime--he was Russian organized crime
    • Where was?
    • (Huh? with it yeah yeah we're gonna get there with)
    • So EURASIA
    • {{ Gowdymode }} The YOUR (EUR) part of that is McCaybe!
    • The EU part that you're part of it is McCabe
    • The Asia part of it is OHR--you get it? YOU/OHR Asia EURASIA -- YOU(EU)-OHR(RO) Asia
    • It's your Asia its McCabe's Asia its McCabe and OHR, McCabe and OHR, McCabe and OHR
    • That's when he was working the Russian Eurasia organized crime, whatever the heck that thing is called
    • Eurasia organized crime whatever
    • And guess who his counterpart was?
    • {{ Gowdy }} A real spy guess who did the real work, you come heyre, yeah
    • So the real work was done by Christopher Stevens and all the Russian
    • TP: Christopher Steele
    • Chrisopher Steel sorry and all the real Russian spies he got out of Russia
    • PAPERCLIP 2
    • Whoever said Paperclip 2?
    • And that's how that happened
    • So that's what made Annie McCabe because he had a real spy and a real Intelligence officers, not really Christopher Steele
    • Christopher Steele is more like a like a concierge, "hey are you Russian guys happy? Can we get you any more about gay vodka? Can we get you any more Ukrainian girls?"
    • "I mean here we are at the Sun Hotel, I mean the piano bar. I mean I can get anything for you?"
    • That's Christopher Steel
    • He he doesn't--but the guys he got the Alperovitz guys, and I'm not talking about Dmitri, Mr. McAfee that I used to work with
    • I'm talking about the older Alperovitz mchao macaé
    • There's a spy that guy's a spy Mikhail is a spy
    • So I'm giving your dad some props here Dmitri or is it Dmitri Dmitri is the son that's right yeah Dmitri
    • Mikhail though was we I worked at McAfee with you Dimitri
    • This reminds me of that fail-safe movie
    • Now I know Moscow blew up Dimitri, don't yell at me to me, Dimitry remember that?
    • So yeah So I worked with him there
    • They wrote the viruses they wrote the viruses at McAfee at the end of the quarter and they'd sell a whole bunch
    • And people get there--so the CEOs could finish out their books
    • That's how they did it. It was virus-vaccine only with computers
    • This is old I've been that was I want to say 1999
    • They ran me out of there
    • Look at look at the record--they ran me out of there
    • They did the honey trap
    • Well anyway we'll get there later
    • But this is Boston Silk Road boyZ
    • Look at the Bitcoin, moving down to EDNY
    • That's your base, before you can jump over to SDNY
    • And then they came to DC after that
    • And they didn't do a damn thing
    • They didn't lift a finger
    • Christopher Steel and really it's Alperovich
    • So I'm gonna give some props here as John Henry who runs CrowdStrike: you made a good hire
    • You're like McCabe you're like--Adrian Hawkins, "hey you guys got hacked again--I'll call you back next month right"
    • Remember Adrian Hawkins?
    • DCCC oh yeah we saw the hack we just couldn't make it down that three blocks or four blocks to go over Capitol Hill and down to DNC and down trees DCCC
    • Hey you guys you got hacked again, I just wanted you to know
    • That's not law enforcement
    • Low-light cameras is not law enforcement
    • Entrapment's not law enforcement
    • Compromise is not law enforcement
    • If you want to learn about being a spy, talk to you Dimitry
    • Dimitri Alperovitz
    • Talk to Dmitri Alperovich
  • Day 59.12. If Seth Rich Really Was Helping Hillary With Resources For the Future, Draddle Dancing W - YouTube
    • Well here we are at Ocean City Maryland, and all I can say is coming into Ocean City and looking at Ocean City is like I said
    • This is Atlantic City: it's the same city--with the boardwalk and everything
    • But not only that just I said there's got to be a Trump Casino here somewhere?
    • Just I'm looking for the Trump Casino
    • {{ To someone }} Is there a Trump Casino here? Is there a Trump Casino here?
    • No no no Trump Casino here
    • So yeah I know I don't I'm just joking I'm just saying it looks
    • So much like Atlantic City that I'm looking for a Trump Casino
    • So yeah there you have it
    • Well we now know that this is not this is not New Jersey
    • This is this is Maryland
    • This is where Joe Capone on the fourth night that I had talked to him, at Lou's Bar and Grill, he said the night Seth Rich was killed, "I was in Ocean City that night"
    • (There's the there's the roller coaster the obligatory roller coaster.
    • Was Seth Rich involved in the drug business?
    • Oh GOD. Tell me that ain't true
    • Was Molly McCauley given the NOAA business--NOAA data, that she received from the Navy?
    • Was she giving that over to Imran?
    • Oh boy I hope not
    • Resources for the Future
    • Well if NOAA wasn't giving out TWICs, to bring people in to the country
    • If they weren't bringing in Ukrainian girls here by the hundreds, I might feel differently
    • But one thing I've learned through this whole thing is ratlines tend to fuse
    • They tend to fuse
    • And they tend to fuse over the whole world
    • And I'll use the CNN or PPN code word for world GPS, they tend to fuse over a GPS
  • Day 59.13. TWICs the Left Off Of Me, Coast Guard To the Right, Stuck ion the Middle With Andrew - YouTube
    • What a long day 13 today oh and we're not even done
    • So I didn't I was the last one I'm gonna label comedy, because it's satire
    • But I'm just saying if you were satiring that's how you would come about a
    • So sometimes there's satire mixed in
    • So you have to ask me when I'm meeting satire and I have intent and what I don't
    • But anyway here we are this is the inlet in this is the inlet in Ocean City and I don't know much about no Ocean City
    • But I do know that that's the inlet and I got my TWIC
    • I just got my TWIC from NOAA got my TWIC
    • So I don't need a visa I got my TWIC
    • So and it's its TWICie its TWICie but once you get you TWIC you don't need a visa
    • So I'm a fisherman I got my TWIC fisherman got my TWIC
    • Now I'm working, fishing with a string in Pakistan
    • Indonesia Philippines wherever and somebody says, "well, you know, if you hang around you bring some stuff in, other than fish, you're gonna be a citizen--we're gonna give you a visa. You get you EB-5. Get you a big boat like that Coast Guard Cutter"
    • Going by right there I should be over there I should be over there well let's go over there
    • Let's go see the Coast Guard Cutter it's kind of fun it's not the Coast Guard Cutter
    • Somebody said, "it's not the Coast Guard Cutter"
    • Well look at that that's US Coast Guard
    • That's US Coast Guard let's go find the Coast Guard Cutter
    • Let's go look at him
    • But if I have the Coast Guard go that way, and my fishing pier over here and then my TWICers not TWICer TWEATERS
    • I'm just saying TWICers if TWICers go this way
    • That's how I would do it if I was running a ratline
    • Now this is all speculative
    • And you never know what's satire what isn't
    • But there's our Coast Guard--that's just a little branch office
    • I think there's a main office here that's a little bit bigger by the bus station the guy told me
    • I think I can see it almost across the way but there's some communication facilities there
    • It looks like like kind of a satellite office
    • Nice sunset here
    • Beautiful evening here. For December it's awesome
    • And I'm guessing those look like Coast Guard boats, guessing those look like Coast Guard boats
    • So I think you have a layout here
    • Those are our guys
    • Now again, as I say in all these ratlines--and if you don't think they're Coast Guard somebody can correct me--but you don't
    • All the people involved 99.9% of the people involved are fantastic people that care very much about their coasts
    • And drug interdiction and human trafficking and all that stuff
    • If you just have a few people at the top, a few codes, if I can get a few codes to a few people, I can run my ratline
    • That's what I'm saying
    • Satellites, NOAA is going to be part of this--I can tell already just from metadata
    • And these TWICs they're coming from NOAA
    • These codes that are coming from the Coast Guard
    • Those are going to be two key pieces
  • Day 59.14. DeFeBo Pizza- You Made It To Heaven. - YouTube
    • It's day 59 and I'm here at DeFebo's it's almost sounds like a slang for when you get defibrillated
    • But I don't need to fibrillation but Defebos is a beautiful Italian restaurant here in Berlin
    • Berliner beautiful restaurant Italian restaurant the pizza here you see that woodfire pizza back there
    • Task Force amazing definitely do that
    • Now, I did have a chance to interview the folks across the street at the Masons Lodge
    • And I wanted to learn and one of the gentlemen there's a 32nd degree Mason
    • And just how it works
    • And those blue lodges are like the first three levels it's kind of like their feeder program to the Scottish rates[sic] {{ Rites }}
    • And I knew that they were associated with the Shriners Hospitals
    • There's a Shriner Hospital in Portland Oregon there's a burn center
    • I met a guy who was a head of the Burn Center in Houston I believe in Washington DC
    • And there's a burn center also in Philadelphia
    • What I didn't know is they pay all the expenses of the families if they're let's say this child is in a car accident, they commit to not only the transportation of the child and so forth but they also commit to supporting the family and all the expenses of the family
    • Which I thought hey man that's I mean I saw a lot of these kids
    • One of the guys I met who was the head of this and DC said if you ever have a problem with like you everything having a bad day I got a headache or something and you're feeling sorry for yourself, just take a little walk through the Burn Center and--it'll work you'll find your way you'll work it out
    • {{ 911: Yes, believe everything Masons tell you. Shriner hospitals aren't feeders for missing foster children ratlines }}
    • Now is it all the other things and and and
    • Now people say oh he's changing a story on the Masons
    • I'm just presenting new information and letting you decide
    • Now he did say that between 32 and 33 it's a huge jump
    • What's that he has a media he was 32 and something happens between 32 and 33
    • That I don't know he doesn't know either and but something happens between 32 and 33 yeah yeah there's a very select it sounds like the number of thirty twos going to the number 33
    • So I don't know if you have to be an undertaker or--whatever but something is there's something at 32 to 33 that's a big hurdle that he had not made yet
    • Here I'll leave you with all the beautiful Christmas lights here and beautiful barely and hb9 Berliner barrel
  • Day 59.15. Contempt of Congress. - YouTube
    • It's day 59 this is 15 and fairly late, but I'm fairly surprised that Bruce Ohr would not show at the Senate committee
    • No matter what you can go in and just take the fifth
    • It's a secret testimony, nobody's gonna know that you took the fifth
    • I mean it might leak that you took the fifth
    • So what that's your constitutional right but to not show
    • I think is a smoking gun it shows that there is something you're hiding
    • And all power granted by the Constitution comes with oversight
    • I mean there's no branch of the government that has no oversight
    • So by saying that there's an you're not answerable to anyone, I think this kind of started on a bad path with Pagliano, being in contempt of Congress, and there being no--
    • A private citizen in contempt of a subpoena from Congress
    • And there was no retribution no no reprisal no I mean no punishment for that
    • It's set off kind of this chain reaction, where we are the FBI in what are you gonna do about it?
    • We are the secret police we are all powerful
    • And we don't have to come to your stinking hearing
    • That's just I mean that's almost a coup
    • I mean that's if by saying there's no oversight: if Andrew McCabe doesn't show tomorrow--that's a coup
    • I mean that's it's not a overt hot war coup
    • But it's certainly a contempt of Congress, where you're saying you have no power over us we are the FBI
  • Day 60.1 - Operation Cassandra - Car Theft Ring in Va For Drugs and Weapons? - YouTube
    • It's Day 60 and a lot of people have probably seen this article already
    • It's in Politico and it's the back from story of how there's a used car network that sends used cars
    • This is out of Northern Virginia
    • To West Africa to ship arms in used cars then to send those used cars to Central America to pick up cocaine
    • Maybe it's paint cocaine who knows?
    • And then bring those back in to the United States in a guns for arms trade network
    • And it's going to be called Operation Cassandra
    • Now the objection I have here of this investigation with over thirty investigators and over eight years of investigation is they couch it and hide it behind Hezbollah
    • Americans don't really know what Hezbollah is
    • Objection I have to this
    • But here it is
    • This is a global threat--how Hezbollah turned trafficking cocaine and lauded money through used cars to finance its expansion
    • Now what they could have said was 'northern car Virginia car ring operates over eight years in Chantilly Virginia'
    • Or in wherever it operated out of
    • But here it is--we know Al Attar
    • We identified a lot our being a member of the CIA car dealership way back when when
    • This I think going back Allah tar is in the first 120 150 days
    • I'll go back and check it
    • But here it is Project Cassandra, launched in 2008, DEA amassed evidence, Middle Eastern political military organization
    • Now is this going to be Chagoury, the Lebanese finance man bagman for Hezbollah
    • I think it's going to be Chagroury
    • Here's the DEA facility it's located in Chantilly Virginia they use wiretaps undercover operations and informants to map out this illicit network
    • We know the ax wants have an affinity before Iran
    • We know that they have Al Attar is a key person that has supported them
    • We followed cocaine shipments right from Latin America West Africa
    • Has anybody ever heard of pain cocaine and Jaquaya? Has anybody ever heard of that?
    • So this, again, the problem here is fuzzy reporting
    • It's like well we're gonna describe everything in general, but we're not gonna actually say who the people are involved in the conspiracy on the ground okay
    • So here they say oh yeah we tracked all the the cash moving back and forth we tracked all the--cars going back and forth
    • But we're not gonna say dates times and places
    • We're just gonna just fog up the journalism, so that it just makes you afraid of 'terrorism', but doesn't actually get down to the facts of actually what happened
    • There's no timeline of events here, for instance
    • Very fuzzy
    • Talking about leaders very far away and and very difficult to pin down
    • Here's a Lebanese Bank why not name the Lebanese bank
    • If it laundered billions of dollars of drug profits why not name the Lebanese bank here right?
    • And then they talk about these kind of shadowy organizations inside the paramilitary organizations inside Iran
    • But again, why not be specific and
    • Again, this is Preet Bharara which is color of law
    • Well oh yeah we had an eight year investigation, but we wanted to do the Iran nuclear deal, so we we backed off on this deal
    • Why not be specific?
    • Why not say rather than Lebanese financial institution, why not say exactly what the institution is, and who the financier is?
    • Again, use cars to Africa not me--this is Preet Bharara saying this
    • and I think we talked about that before
    • Now there are people that are out there in Florida, which will say, "no theirs were never used--for guns in one direction and drugs into another one." These experts that say the trains are never used to move these cars around
    • Well: fine. Well I think you need to talk to DEA you guys need to get on the phone DEA right now, and get your facts straight
    • Because this is now an eight year process, which basically got shelved or or pushed under by Jack Lew and the people in the Justice Department with Eric Holder etc
    • Again, I know it's so give this a read and Politico it goes into some of the people
    • Now Trump is on the case here
    • Trump has kind of named a person in Iran as a drug kingpin--the number two guy in Iran, but you need to drill down to the people that are here in Virginia
    • That's the key!
    • So that's reporting
    • This is fuzzy "be afraid of Iran reporting"
    • You need to get down to actually who bought what cars, what day, and a timeline, have been disputable events
  • Day 60.2 - Response to Motion To Dismiss For Haseeb Rana - YouTube
    • This is Day 60 part 2 and we have Haseeb Rana's response back
    • He's obviously gonna motion for dismissal that's kind of the first check of the swords and the in the parry here
    • And this of course also happened in the Beck case, that our case is derivative of
    • And they claim of "worldwide conspiracy": no actually I don't
    • I talk about a conspiracy of about a mile square actually it's within walking distance a quarter mile of Capitol Hill
    • So and and basically the summary of the argument by the defense is: there's two things 1 standing and 2 cause
    • So we'll just take those one at a time
    • Now remember this is derivative of the case of DNC
    • This is Wilding versus DNC
    • Jared back this is one of the plaintiffs here in Wilding
    • Remember: that the judge here found in his final opinion, article 62, that there was standing,
    • Even in this case the DNC, where they didn't know anything about the Awans, they didn't know anything about Fusion GPS, they didn't know anything about the Podesta group, they didn't know anything about ARMZ, they didn't know anything they knew a little tiny bit about uranium one
    • But really didn't have a concept of ActBlue(s) or phishing attacks or the agreement with Hillary for America with the JCA agreement
    • None of that. None of that was known
    • And even at that here's the judges final opinion after it's all said and done
    • Again, they the defense quotes a flurry of--just a litany of lawsuits that are not related to the actual case
    • Which the actual case is gonna be a case that's tried already on this on similar grounds, that's derivative of this
    • They quote all this case law that just has nothing to do whatsoever with the case
    • When you when you go before a judge, you cannot waste their time, and their legal staffs' time
    • You have to go immediately to the most relevant facts and this has already been adjudicated
    • Now the basis of the standing has already been adjudicated by a judge
    • And he said, "yes there standing"
    • Now he said basically there was "weak standing"
    • So that's why the case was dismissed, but it moved forward
    • I'll just read judge Locke's opinion here "but the plaintiffs in this case do not allege a causal link between their donations and DNC statements."
    • Well I sure do, because Bernie went from town to town saying "hey--give me money, work the phones for me, knock on doors"
    • There's a whole bunch of people that did a whole bunch of statements here thinking they were sending their money to Bernie
    • Now with that JCA agreement, we know that it was swept
    • It was just swept directly to Brooklyn--swept directly to Brooklyn
    • They did not make this case. Jared did not make this case
    • I will
    • I don't I don't have that standing problem
    • So they lacked standing to assert that claim because they didn't make that connection
    • I certainly am going to make that connection
    • They talked about of fiduciary breach, which is not enough to--buffered by too many layers of speculation--I'm not buffering anything
    • I'm saying it's the Awans,
    • It's the Becerra server
    • It's the hack that occurred
    • It's Nancy Pelosi's cover up--get Imran in here
    • Here's the days that Imran was at DNC
    • Here's the inspector general's report
    • Here's the credit union report
    • Here's the night of the inauguration burglary report
    • Here's the John Wilkes phone booth report
    • Here is all the different police reports in Fairfax County of beatings...
    • And here's all the the problems with all these different companies--
    • So there's no lack of proof here, with the Awans
    • And remember the chairman of the DNC her right-hand man was Imran Awan
    • He was running around her laptop her life had her phones and her passwords
    • So the link is is is iron
    • There is a almost a meld between Imran Awan and Debbie Wasserman-Schultz
    • Now we come to the idea of of Haseeb Rana, being hand-selected and selected surrogate
    • Now here I'm in a motion for oral argument, because my motion to compel discovery of those documents I just talked about, has not even been entered in by DC district
    • That's over seven days ago now--eight days ago
    • Now equally the production of documents is not there
    • And also production of discovery is not there
    • The judge has never seen this
    • He has no idea that there is a very strong case against Imran Awan
    • Just in documents that that could inform the court and
    • Again, we want to move towards judicial economy
    • We don't want to waste the Court's time we don't want to waste the staff of a court
    • So moving on I'm gonna quote where not my testimony not my testimony
    • I'm gonna quote the people that are actually the father of the defendant, saying "hey this is the situation"
    • So I'm gonna quote that article that Luke said, and I'm gonna just go down here
    • And this is my motion to oppose a motion to dismiss
    • We're gonna clean that up a little bit
    • But basically I go here and I say look with allegedly no-show employees connected to Imran, being added to numerous House offices, someone had to do the work
    • Imran enlisted an old high school friend Haseeb Rana for this purpose
    • Haseeb Rana did not respond in the comments but his father did
    • Tanwir Rana and he said, "hey they made him do all the work"
    • Here his father is saying, "Haseeb are the hands of Imran Awan and Rao Abbas"
    • "He is the hands the brain is Imran, the brain may be also a Rao Abbas, maybe that's the wheels, but but Haseeb is the hands"
    • So this conspiracy is one thing it's one body it's one corpus okay
    • So there's his father testifying, not something I'm asserting from a third party
    • So of course what it's not evidence yet, but I mean this leads you to believe that there's reasonable suspicion
    • And then you've got [Tanwir] saying, Imran manipulated his high school buddy Haseeb Rana into doing his work
    • Well if those were crimes if those were felonies you if did--that those were felonies that's the key question
    • There's clear evidence with all those documents that felonies were committed
    • My son is quiet
    • Imran's the opposite always relishing power and displays of influence
    • well that's fine I believe all that to be true I believe his father knows him pretty well here and then here here
    • Again, a direct linkage an iron linkage between Imran and Haseeb
    • Haseeb believed Imran hired him directly, although men were not part of the same company and were hired as different W2 employees of Congress
    • So here he signed an individual agreement--an employment agreement
    • He signed the Terms of Use Agreement
    • He signed to W2 in terms of filing his taxes
    • He had to understand that he worked directly for the Congress and had responsibilities
    • If you're taking orders from Imran and breaking your Terms of Use Agreement, your confidentiality agreement, your other agreements with equipment going to Pakistan, for instance, or money going to Pakistan, you're on the hook
    • There's no getting out of this you're on the hook
    • So again, a timeline of events
    • We're going to present this to the judge--a timeline of events
    • Imran basically Rayo hires Imran here after 2003
    • Imran gets bankruptcy in 2002
    • He starts this company the bankruptcy heads in May of 2002
    • And then he brings Rao in November, after they win the election
    • And he starts another mortgage company
    • Imran starts another mortgage company
    • And then Haseeb Rana comes in and Haseeb Rana is is employed in the Congress for two years and one month
    • And he works for six or seven different Congressmen
    • I'm sorry but you have to realize if you're a W2 employee and it says the US Congress on your check, your loyalty is to the US Congress while he's there
    • Well the CDW and some of the other things happen after he leaves, but you're still on the hook for stuff that happens while you're an employee in the United States Congress
    • There's a couple of good resources I wanted to point people to
    • This guy here which he's the litigation kind of guy
    • And I like him--I like watching him if people want to watch him at Steve V O N D R A N
    • And he's a good one and then there's other resources out here to wikiHow
    • Talks about responding to different motions...for people who are doing their own
    • For people are doing their own lawsuits
    • There's another interesting thing here with Haseeb
    • He's involved in this company a surgical company -
    • I think one's a surgical glove company and the other one looks like they do something for dentistry
    • Maybe it's the same company one's called triumph Surgical
    • And the other was Accu-surgident
    • So we don't know exactly what that is but there's the DUNS number for people who want to look up for it
    • My first question was do they do business with the Army or the Navy?
    • Do they do business with Fort Belvoir?
    • Is that Duns number in any contracts in any Federal contracts?
    • There's another company called S A M A W E E and I don't have a Duns number just yet for that
    • But I'm interested to see if they do any business in Fort Belvoir
    • But there you go
    • There's this period of hire Q1 of the 2013
    • Q1 of 2015 and then--1 2 3 4 5 6 7 has worked for seven different representatives in the house
    • Your loyalty's have to be to these representatives and the Congress and the rules of the Congress
    • The sergeant of arms it's not to Imran Awan
    • You may be from the same little village in Pakistan, but you still have to abide by your agreements
    • When you take the money when you take the money in your employment agreement, you have to go by the rules of your employer, not by somebody who you think got your the job
    • That's what it book kind of boils down to here
  • Day 60.3. Cops, Drugs, and JTTF. Symbiosis. - YouTube
    • This is Day 60 a little bit of a lockdown situation I think to just keep it everybody away for the vote this tax vote I think it's going to go until the middle of the night
    • So we'll see what happens
    • I think the vice president's coming up
    • So I think it's gonna be a close one you never know
    • So anyway yeah the Capitol Police are out
    • Now if they wanted to give me the Imran Awan police reports, while they're up here that would be awfully nice
    • So I saw that DNC also asked to dismiss motion to dismiss, which is really funny
    • It's like there's no basis here
    • Whoa what has happened since August of last August of this year, since the DNC case
    • The Awans, the break-ins on there was no connection to the DNC when Jared Beck had his case dismissed
    • Now we know the Awans did the DCCC, they did the DNC, Fusion GPS, McCAbe's paying Fusion GPS for the dossiers, bringing in spies, probably in Maryland
    • I mean so many things, going after the president
    • So this is the part that I really didn't want to say
    • I've always kind of been pushing this off in the background
    • But there is gonna be this drugs--I'm not saying that the FBI is in on it with for the drug piece, but there is sort of a symbiotic relationship a cops-and-robbers relationship
    • Where you go ahead and do your thing, and we'll look over this way, color a law, then every once in a while make a deposit, and we'll bust a couple of people and bring them in
    • It's kind of the old Chicago way
    • So then and I am going to be involved in try to break that up on the I-5 corridor
    • And I'll just let everybody know right now Fresno is the spot
    • And that's where the Hells Angels are based
    • And Jeanine and Linda Muller and the sex first and then the drugs
    • I never did any of the drugs
    • But I have been outspoken about JTTF ratline there
    • Again, I'm not saying they run the ratline, I'm just saying it's symbiotic
    • I'm just saying it's symbiotic
    • So there's your Capitol report
    • Andy McCabe actually is testifying just under my feet here, not too far from me
    • So hopefully he'll have good things to say
    • And he'll just fess up, own up
    • I filed my motion to oppose
    • Obviously, I opposed the motion for Haseeb Rana and you can read that now
    • Hopefully it'll get scanned
    • They'll scan in some of my stuff I'm still waiting for stuff eight days ago that hasn't been scanned
    • So hopefully they'll scan my stuff
    • And I'll be able to respond
    • And they won't just give me a default judgment, because they're not scanning my stuff

  • Day 61.1 Journalism BEGINS When You Get a Preet Christmas Present - YouTube
  • It's day 61 and this is part one
  • And this big Project Cassandra dropped yesterday in Politico
  • This part 1, part 2, part 3, very long article
  • I believe it was dropped by Preet Bharara and Andrew McCabe for their network here in Northern Virginia
  • And also Maryland,
  • Because this didn't come about
  • You don't interview 35 people and the whole thing perfectly fits together Day 1 unless you're trying to give it to somebody who's gonna bury the story
  • Take all the names out of it take all the who, what, when, where, just do the and why out of it and just say when things occurred
  • And a very light treatment on what actually happened
  • But if you haven't read the article it's very good
  • But now what's happening is the metadata is emerging
  • So people are coming in who are involved in this project because there were
  • So many people and this is going to show that the Awans are involved in this directly with Hezbollah
  • And I'll show you how
  • But for those who don't remember here's kind of the Mark Levin show yesterday where a guy was an investigator actually calls in
  • And he's talking about where they laundered the money through, what mosque they laundered the money through,
  • "It was 2009-2010 I'd have to go back and look at the reports, but it was around 2009, 2010. Mm-hmm go ahead I'm sorry I interrupted you--no no it's fine we also discovered they were the golden dawn dome mosque, we knew the exact mosque we knew where they were living. We knew who"
  • So that mosque if you remember that's the DAR all Harwich Dar al-Hirah mosque and what's important about this and where it's located is it's in unincorporated Fairfax County
  • So if you had a friend who is the intake officer at Fairfax County, you could make friends with them as far as who worked here and who came and went out of this mosque
  • And would provide protective cover for those people
  • For cover such people as murderers such as Arshad Mahmood
  • So if you go back to my first day in Washington DC, the brain of the operation is gonna be right here at the CIA car dealership at 724 South Washington Street
  • I can't remember how many videos I did there: lots
  • and then there Dar Al-Hirah was right next to it just outside a Falls Church
  • Arshad Mahmood's down here in Woodbridge
  • He's the enforcer for all these different ratlines
  • This is just gonna be one of a finger of the hand
  • There's give me five of these ratlines, mainly centered around the community colleges
  • And then this guy last night was calling in from Fredericksburg
  • And this is that Smuggler's Cove that I was talking about, where kind of Potomac bends at a 90-degree angle here by Mount Vernon
  • So what I'll do is I will just go quickly to my first day in Washington
  • And we can see what I said that that time
  • "IT's still there we don't know I just met Taggart at that moment-- we don't know but he did say this is kind of Herman United States Marine he did say unequivocally that Imran had left Blackberries which is interesting. If he is the beta expert for Debbie Wasserman-Schultz and Hillary and with black bears left in the home, that would be an interesting find"
  • So I think the important thing there is that even back at day 170, which is this is over two hundred and thirty days ago
  • Now, there was first day in Washington, if you look at it I had Light Bridge Communication, which still hasn't been reported on as far as the Imran working at light bridge
  • I had the satellite piece of this with kind of a NOAA piece, which still hasn't been reported on
  • I had DISA which is the Annapolis piece that where I went this weekend okay
  • So all these things in the first weekend and I had of course obviously Hawkshead to get the hard drive story
  • So this is a part that still hasn't been done on this story, with the Hezbollah, and it's and it's a spin
  • Now the press kids here in Washington DC are going to accept this as fact
  • But this is actually, I hate to say it, this is how it's done
  • You actually go to the neighborhood and you actually go to sorters or and the down involved in a murder a car dealer in near Richmond hired two MS-13 Gang Members
  • So I doubt he's still here but let's see if he aces and the this is also true for investigators--as far as not just journalists, but investigators--you need to go to the the front door
  • Just to show that I had said that this money-laundering was happening at the mosque and the Awans were the stolen cars
  • Still this is not come out yet and the NADRA bank connection to Firtash still has not come out yet
  • So we're seeing this, but here's EZ Car Buying and all the other metadata that just fits perfectly with this story about Hezbollah
  • Now remember they're in business with the top Hezbollah guy
  • Of course here's the favorite famous jeans video me asking people different questions at the different doors, more than eight years ago at one location and then here I'll stop that could it be more went to California
  • And that I think Suriyah Begum does end up going to California
  • But pretty quickly in one day I was able to go to most of the locations
  • And then of course there is me at the mosque that night
  • And here we go I'll just play a little short clip
  • I met the very famous star Dar Al Hijrah Mosque in Falls Church Virginia okay
  • So that's all I'll say for right now, but there's a lot more reporting to be done in the story
  • And what I like to do is take a great story like the one we have
  • Now if Cassandra and then pick up where that left off and move forward from that
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