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      "body": "@@ -20,20 +20,24 @@\n d Crypto\n-bank\n+-Fintech\n s Overta\n@@ -43,19 +43,15 @@\n ake \n-Centralized\n+Banking\n  Com\n",
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      "body": "Congratulations @baanx.com! You received a personal award!\n\n<table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@baanx.com/birthday2.png</td><td>Happy Birthday! - You are on the Steem blockchain for 2 years!</td></tr></table>\n\n<sub>_You can view [your badges on your Steem Board](https://steemitboard.com/@baanx.com) and compare to others on the [Steem Ranking](https://steemitboard.com/ranking/index.php?name=baanx.com)_</sub>\n\n\n**Do not miss the last post from @steemitboard:**\n<table><tr><td><a href=\"https://steemit.com/steemitboard/@steemitboard/valentine-s-day-challenge-give-a-badge-to-your-beloved\"><img src=\"https://steemitimages.com/64x128/http://i.cubeupload.com/LvDzr5.png\"></a></td><td><a href=\"https://steemit.com/steemitboard/@steemitboard/valentine-s-day-challenge-give-a-badge-to-your-beloved\">Valentine's day challenge - Give a badge to your beloved!</a></td></tr></table>\n\n###### [Vote for @Steemitboard as a witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1) to get one more award and increased upvotes!",
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      "author": "baanx.com",
      "body": "Can Blockchain-based Cryptobanks Overtake Centralized Competitors? We say, yes!\n\nWhy is digital banking the future? People are using online banking without being frustrated and wasting time in the physical banks. The majority of shopping and buying is moving from physical to digital channels across industries every day. People want a simple, convenient and efficient way to buy goods. You can’t deny that having a mobile phone wallet and leveraging it in everyday life is the easiest way to use banking. But what else do you need from the bank? That’s right, nothing. You just need security, convenience and low fee payments. Digital banking is undoubtedly the future.\n\nHow Can Crypto Banks Change the Current Institution?\nIn 1994 Bill Gates said: “Banking is necessary, banks are not”. Today, about 2.5 billion people globally have no access to bank accounts or formal financial services. Cryptobank networks are the perfect solution to this lack of infrastructure! Businesses like Baanx.com can allow any person, business or charity who can pass AML checks to open a Cryptobank using their infrastructure as a template. This would mean that instead of waiting years for banking licenses this portal could mean that eligible constituents could open a bank in as little as 72 hours using this open platform.\nDigital banking services can reach places which have never been reached by the physical banks. The banking service is now on its second birth and the solution is indeed cryptocurrencies. Cryptoeconomy and cryptocurrencies in particular are growing at an exceptional rate.\n\nTraditional Bank VS Cryptobanks\nMarket changes that are always adapted to new technology will make changes to the economic order as they have to adjust to the new system. The use of blockchain implementation technology can undoubtedly have an essential role in the crypto-economy. The purpose of blockchain in the application of digital banks certainly has an advantage when compared with traditional banks. Here are some benefits of Cryptobanks:\n• Use of a Cryptobank knows no national borders and is not limited by binding capital and regulation\n• The number of clients on a traditional bank will be limited by the country's operations and systems. However, in a blockchain bank, it is not a limitation unless there is an absolute technical limit\n• The level of scalability in a blockchain bank is much faster and cheaper when compared to traditional banks that tend to be expensive and slow\n• Each can determine the value of transfers made in a bank blockchain unlike a traditional bank that sets a value limit\n• The advantages of Cryptobanks also lies in transaction costs that are only 0.5%\n• Time to process a transaction within a blockchain bank can be quickly resolved without having to wait for several days.\n• Withdrawal of significant funds can be made promptly without having to wait or make a deal first\n• Cryptobanks have decentralized controls so it will be faster by checking and storing transaction data\n• The integration of new services and partners can be done quickly\n• Currency conversion inside the blockchain also reaches the lowest point of 0% \n\nBaanx.com – Fighting Traditional Banking with Cutting-Edge Technology\nBaanx.com is the World's 1st Decentralised Blockchain Cryptobank with an Open Access, Open Source and Open Ownership platform - sharing bank licenses between Cryptobanks.\nThey are a Cryptobank with a difference, allowing qualified businesses, individuals, banks and charities to launch their own Cryptobank on the platform using rules based, smart contracts.\nBaanx.com puts the end user in full control of their money, a trait the financial sector does not offer. With digital currency, there is no need to trust a third party for safekeeping one’s money. People can become their own bank and carry their cryptocurrencies with them wherever they go.\nBaanx.com will deliver huge change to the market and disrupt traditional banking by scaling the size of the Cryptobank network to levels big enough to rival the established financial services sector. Their mission is to bring daily use of Cryptocurrencies to the world and create an unopposed banking service for both Crypto and Fiat currencies.\nBaanx.com aims to be the largest Cryptobank in the world, with so many brands and customers, that they can prevent traditional banking institutions from shutting the Cryptocurrency movement down.\n\nIn conclusion\nThe explosion of cryptocurrency in the media may make it seem like a dizzying phenomenon that only the most full-time enthusiasts can handle. In reality, the emergence of all-in-one service providers such as Baanx.com puts the power of advanced AI systems and real-time world currency metrics in the hands of any savvy individual.\n\nJoin the Fight Today!\nIf you are interested in learning more about the Baanx.com movement then check them out at www.baanx.com and learn how you can support change in banking, decentralisation and open source, open access and open ownership for Cryptobanks.\n\nSocial Media:\nTwitter: https://twitter.com/baanxcom\nFacebook: https://www.facebook.com/baanx.io/\nReddit: https://www.reddit.com/user/baanx\n\nWritten by: \nSarah Murray\nCommunications Manager at Baanx.com \n\n![](https://steemitimages.com/DQmcXr9YSByqAPmKt2NiKFagP6Wmne2sKx1BCwHXy5ZbV3Y/image.png)",
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      "body": "Baanx.com are the Cryptobank network who are challenging the Status Quo and taking the fight to traditional banking.\n\nTechnology has changed every facet of our environment and how we perceive our money in this economy is no different. As artificial intelligence promises to further ease banking for customers across the globe why are we still looking to traditional banks for security?\n\nThe Great recession left people unsure and with a lower level of trust in banks. The need for secure systems and solid investment plans however, continues to be as great as ever and technology solutions are needed. Technology-backed advisors known as robo-advisors have now come into the picture and are expected to manage $2 trillion in Assets by 2020.\n\nWhere Did Crypto Banking Come From?\n\nCryptobanking has become a real staple of the economic zone as more and more institutions and corporate sectors have adopted crypto currency as a mode of payment and showed keen interest in the decentralized financial system.\n\nCrypto banking can be considered as an alternative to traditional banking where the fintech firms/individuals adopt and implement blockchain technology. The users can have a direct access to their ledgers and all the transactions will be present in an open source. There are a few sectors which could bring serious competition to traditional finance over the years to come. Most notably are in the FinTech sector, which aims to bring innovation and global services to people all over the world.\n\nChallenger banks are a major worry for existing financial institutions as well, as these establishments and start-ups are not encumbered by traditional banking’s legacy systems and policies. At the same time, the term “challenger bank” covers a broad range of services, which leads to a high number of banks focusing on niche markets.\n\nBut the biggest contender will be Baanx.com through its amalgamation of managing both cryptocurrencies and fiat currencies all in one place. Unlike all other financial players, digital currency does not require access to any of the existing infrastructure.\n\nBaanx.com — Fighting the Legacy Banking Institution with Cutting-Edge Technology\n\nBaanx.com is the World’s 1st Decentralised Blockchain Cryptobank with an Open Access, Open Source and Open Ownership platform — sharing bank licenses between Cryptobanks.\n\nThey are a Cryptobank with a difference, allowing qualified businesses, individuals, banks and charities to launch their own Cryptobank on the platform using rules based, smart contracts.\n\nBaanx.com puts the end user in full control of their money, a trait the financial sector does not offer right now. With digital currency, there is no need to trust a third party for safekeeping one’s money. People can become their own bank and carry their cryptocurrencies with them wherever they go.\n\nBaanx.com will deliver huge change to the market and disrupt traditional banking by scaling the size of the Cryptobank network to levels big enough to rival the established financial services sector. Their mission is to bring daily use of Cryptocurrencies to the world and create an unopposed banking service for both Crypto and Fiat currencies.\n\nBaanx.com aims to be the largest Cryptobank in the world, with so many brands and customers, that they can prevent traditional banking institutions from shutting the Cryptocurrency movement down.\n\nJoin the Fight Today!\n\nIf you are interested in learning more about the Baanx.com movement then check them out at www.baanx.com and learn how you can support change in banking, decentralisation and open source, open access and open ownership for Cryptobanks.\n\nSocial Media:\n\nTwitter: https://twitter.com/baanxcom\n\nFacebook: https://www.facebook.com/baanx.io/\n\nReddit: https://www.reddit.com/user/baanx\n\nWritten by:\n\nSarah Murray\n\nCommunications Manager at Baanx.com",
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      "body": "Innovation has had an unrivalled effect on every industry in the world. Organizations like Uber, AirBnB, and Netflix have been pioneers of change and interruption, rethinking the areas of transportation, convenience, and stimulation with new and imaginative business models. The finance industry, on the other hand, hasn’t seen much advancement and clients’ accounts are still responsible for a modest bunch of built up suppliers that work in an exceptionally conventional form.\nHowever, FinTech financial technologies like Baanx.com are looking to improve on the traditional banking industry. The mission of the platform is to remove boundaries in the financial sector and provide each user with easy access to both fiat and alternative financial services. Thus, Baanx.com will be able to stop the monopoly on traditional banking institutions with your help.  \n\nThe Vision\nTraditional banks have out-lived their time – sub-par consumer experience, not enough transparency and the evident inability to cater to millennials’ lifestyles. Baanx.com aims to re-invent the way people manage their finances. More efficiency, more productivity and most of all more transparency will mean better results. In 2018, Baanx.com is set to launch the first global decentralized Cryptobank network on blockchain which shares Bank Ownership and the use of Bank Licenses with new Cryptobank brands to grow the Network as fast as possible!\nBaanx.com are building the first global bank which can provide a revolutionary service to people all around the world. Their mission is to remove borders in the financial sector, and to ensure that every citizen has access to alternative financial services.\n\nHow Safe is Baanx.com?\nCryptocurrency is a decentralized market which means you are entirely responsible for your own loss be that from fraud, scams or illicit activity.\nHowever, Baanx.com is the first Cryptobank network to provide their users with comprehensive support, protection and insurance against these illicit actions. They provide their customers with the guarantee that if they are targeted by or fall victim to this activity they can be refunded just like a traditional bank.\nBaanx.com deliver a simple way of managing digital assets safely by bridging the gap between markets and the crypto world. They ease the process of converting cryptocurrencies to derivative financial assets, thereby fostering the adoption of cryptocurrencies. This development in Cryptobanking will inevitably drive an influx of transition between the fiat assets and the legitimate cryptocurrencies.\nBaanx.com is a cutting-edge business that provides support to their customers through automation, AI and robo-advisors. However, if all this does not resolve the problem users can escalate their queries directly to a team member. This ensures incidents can be reviewed on a case-by-case basis and allows the team to guide you through the process to resolve and reimburse you for your loss.\nThe business also has a number of other security precautions in place including two factor authentication processes when using the function. Baanx.com has additional benefits of being able to temporarily freeze your Cryptocurrency within the app allowing you to avoid any losses that may be incurred from drops in the market.\nOverall Baanx.com is leading the way in Cryptosecurity and providing you with the best opportunity to hold onto your Cryptocurrency with minimal effort.\n\n\nHow Does Baanx.com Work in the Real World?\nPowered by blockchain technology and crypto currencies, Baanx.com’s marketplace allows a user to select between various Crypto and Fiat service-providers, all within the same app. To ensure a seamless experience and operational efficiency, all service-providers are connected via an open platform.\nBaanx.com users are not required to convert their crypto assets into fiat in order to pay for goods, as they will now be able to perform crypto transactions in the exact same fashion.\n\nOverall, Baanx.com pride themselves on being a bank for the people and look to invite anyone who shares their vision to join the movement today.\n\nJoin the Fight Today!\nIf you are interested in learning more about the Baanx.com movement then check them out at www.baanx.com and learn how you can support change in banking, decentralisation and open source, open access and open ownership for Cryptobanks.\n\nSocial Media:\nTwitter: https://twitter.com/baanxcom\nFacebook: https://www.facebook.com/baanx.io/\nReddit: https://www.reddit.com/user/baanx\n\nWritten by: \nSarah Murray\nCommunications Manager at Baanx.com \n![](https://steemitimages.com/DQmWR9fMan4MgMHuiN6gpaCFiqiBFKJRoZmeNZakvVSLcAL/image.png)",
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      "body": "Open Source Software is garnering widespread recognition in the corporate world and you’re already using it!\n\nWhat is an Open Source Tool ![](https://steemitimages.com/DQmdNghZ12oCBKoGPAsAEZX1UkaU9UxM3mFnJdW7vyyzsjq/image.png)and Where Did It Come From?\n\nThe term open source tool refers to a program that performs a very specific task, in which the source code is openly published for use and/or modification from its original design, totally free of charge. \n\nThe principle of creating these open programmes was adopted during the Great Recession as businesses couldn’t afford the expensive suites on offer. However as soon as conditions began to ease companies determined that the open sourced tools were too effective to give up.\n\nOpen source tools are truly a viable alternative to popular-closed source applications as programmers can become more productive at almost no cost. Some open source tools can also offer features or performance benefits that surpass their commercial counterparts. \n\nThe creation of these tools is generally a collaborative effort amongst programmers with an end goal of improving the current code, sharing charges and meeting custom business requirements. Once completed the programmes are made available at no charge under a license defined by the Open Source Initiative.\n\nWhat is the Value of Open Source Software?\nMost open source software is available for free but that doesn’t mean that there isn’t money in the industry! In fact, there is currently a booming commercial side of open source development that brings excellent value.\n\nYou may be surprised to learn that 78% of companies run on open source principles and software. As for the benefits they reap, there are several including:\n♣\tQuality and value for end users is higher as developers are usually end users that know exactly what they want from an application or tool\n♣\tDevelopment cost is significantly cheaper as the software is developed externally by a like-minded community\n♣\tOpen source software tends to be incredibly flexible, with multiple iterations, variants and versions of a single project or software\n♣\tSecurity can be tighter and more reliable because bugs, problems, and vulnerabilities can be discovered and fixed by anyone, quickly\n♣\tLarger and close-knit community of developers consistently update references, resources and documentation\n\nThe Most Successful Open Source Software\nGoogle Chrome\n\nGoogle is probably the first big corporate to understand the true potential of Open Source. Google Chrome was the first among many applications released by Google as Open Source. It is now the fastest growing web browser out there and is nearing a 10% market share proving the program is not just effective but also extremely profitable.\n\nMySQL\n\nMySQL is probably the most popular Open Source database management application in the world. MySQL began as a low-end alternative to more powerful databases and gradually evolved to support more complex and higher-scale needs as well. To give context to the term \"higher scale\", MySQL is the tool that powers such websites like Wikipedia, Google and Facebook.\n\nAndroid\n\nAndroid is the newest addition to the open source triumph. Another Open Source product from Google, Android OS for mobile devices is storming through the market share of incumbents like iPhone's iOS and Nokia's Symbian OS.\nAccording to Gartner, by 2012, Android would become the world's second most popular smartphone platform, behind Nokia's Symbian OS. A market dominated by Linux? Can you believe it!\n\nFirefox\n\nFirefox is the most \"visible\" Open Source success story. Firefox's big fight with Microsoft's Internet Explorer is widely discussed in mainstream media. IE is still the most popular web browser in the world, primarily because Windows holds a monopoly in Operating Systems market share.\nFirefox 4.0 is the next major Firefox version waiting in the wings for its final descent. It showcases features such as Tab Candy, which is probably going to kick start another round of innovation in the web browser market.\n\nThe Most Anticipated Open Source Software of 2018 – Baanx.com\n                                            \nBaanx.com is the World's 1st Decentralised Blockchain Cryptobank with an Open Access, Open Source and Open Ownership platform - sharing bank licenses between Cryptobanks on the platform within a rules based environment – and allowing Open Source development of Financial Applications for all Cryptobank customers within the entire Cryptobank Network – a figure predicted to reach huge levels in the months and years to come!\n\nBaanx.com is a Cryptobank with a difference, allowing qualified businesses, individuals, banks and charities to launch their Cryptobank to customers – fantastic for them – but also for all customers, who get crypto and fiat banking services combined together – they can use crypto in daily life to pay for things, but also have their fiat currencies in the same place – loans, savings and investments – all the normal bank functions are there too – but better and cheaper – automation and AI within the Baanx project is key and passing those savings on to customers in a decentralised, blockchain world is vital.\nBaanx.com will deliver huge change to the market and disrupt traditional banking by scaling the size of the Cryptobank network to levels big enough to rival the established financial services sector - bringing accessibility and daily use of Cryptocurrencies to the world.\n\nBaanx.com is the next open source software with the expectation to follow in the footsteps of global success stories like Google Chrome, Firefox and MySQL.\n\nThe digital revolution truly has arrived with the Cryptobank revolution!",
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      "body": "To the question in your title, my Magic 8-Ball says:<blockquote>You may rely on it</blockquote><hr>*Hi! I'm a bot, and this answer was posted automatically. Check [this post out](https://steemit.com/introduceyourself/@magic8ball/introducing-the-magic-8-ball-bot) for more information.*",
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      "body": "Have traditional banks served their purpose? Has their sterile nature and elitist attitude been the makings of their own demise?\n\nBanking has always held an “us” vs. “them” mentality. However, as information becomes more accessible seeking further control over our own wealth sparks a natural curiosity over how we can capitalize on our hard-earned cash.\nGone is the day when a person opened a bank account as a teenager and remained with that institution the entirety of their life. In this modern era individuals want to spread their eggs into numerous baskets to ensure maximum returns.\nOur current banking systems are slow to change and offer us very little control over the way we maintain and utilise our assets, thus the rise of Cryptobanking.\n\nCryptobank as the Solution in this Digital Economic Era\n\nDigital currency’s total market capitalization is around $500 billion at present and total funds raised through ICO’s now exceeds $3 billion. However, the Bubble Generation is still not accepted by traditional banks.\n\nTraditional banks have no appetite to evolve their business as they fear Cryptobanking is simply a bubble and is affiliated with illicit activity. In fact, British banks have begun to shun companies that deal in Cryptocurrency forcing many to open accounts in Bulgaria, Gibraltar and Poland. Again, putting us further from our assets with less control.\n\nLet’s be frank - traditional banks hate Cryptobanks. Possibly due to the lack of understanding, the fear of uncertainty or just the overall competition. But as digital currency becomes more popular there is a lack of infrastructure to support the movement. Despite huge dependence on technology, banking is one part of the global economy on which the development of digitisation still has little impact.\n\nEverything we do is becoming linked to the digital market, so why should our banking be any different? It shouldn’t – hence the rise of Cryptobanks and Cryptobank networks like Baanx.com.\n\nBaanx.com Forging the Way\n\nOPEN SOURCE, OPEN ACCESS, OPEN OWNERSHIP – the way it should be!\n\nBaanx.com is the World’s 1st Cryptobank network where you not only get, as a customer, the ability to use cryptocurrency and fiat side by side, in everyday life, but you have the chance to build your own Cryptobank using their rules based, smart contract platform – sharing licenses amongst Cryptobanks – which allows branded and automated Cryptobanks to be built in as little as 72hours. \n\nThe Digital Banking Revolution\n\nCryptobank development in the Cryptocurrency Era will complement the digitalization revolution as digital payments will become even more seamless. Cryptobanking is the most appropriate solution for creating digital banking. The revolution of the banking world is needed to follow the progress of online transactions whose use continues to increase.\n\nIn 2018 if traditional banks won’t evolve their institutions to meet the requirements of a savvy profit focused individual than Cryptobank and Cryptobank networks like Baanx.com will – in the years to come the Baanx network will take over, it’s the fast scaling cryptocurrency solution we’ve been waiting for……\n\nThe Official link to Baanx.com:\nWebsite: www.baanx.com\nReddit: https://www.reddit.com/user/baanx\n\nSocial Media:\nTwitter: https://twitter.com/baanxcom\nFacebook: https://www.facebook.com/baanx.io/\n\n![](https://steemitimages.com/DQmbpgcrnYfAoyZ5thP6EPSRe6fsChmFjQGLM6qKYQd5afU/image.png)",
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      "body": "OPEN ACCESS -- OPEN SOURCE -- OPEN OWNERSHIP - Changing Banking for the better!\n\nBitcoin was the 1st decentralized digital currency which is now followed by Baanx.com, the 1st decentralized Cryptobank Network - a model disrupting Traditional Banking forever.\n\nRegret not spending a few hundred quid on purchasing bitcoin 5 years ago? Join the club! \nDon’t let that happen again, now is the time to get ahead of the speculators and find out more about Baanx.com and the Baanx.com Cryptobank Network.\n\nBitcoin has been one of the most debated topics of the past few years with bitcoin billionaires being splashed across every paper, website and news report, leaving the rest of us to look on with regret. The bitcoin cryptocurrency and worldwide payment system is the first decentralized digital currency and it has truly revolutionized the way we look at our wealth.\nOur wealth no longer needs to be kept behind iron bars in a bank - the digital economic era is here. So, with this revolution most of us are making sure that we are staying informed about upcoming Crypto opportunities by keeping an eagle eye on the market for the next big thing. \n\nPrior to financial services centralization anybody could set up a bank to serve customers however with regulation and licensing this changed - creating a Traditional Banking elite and a closed network \n\nBut all this is changing thanks to Baanx.com!\n\nBaanx.com shares Banking Licenses within a rules based, smart contract platform  - open access, open source, open ownership - qualified entities can open their own Cryptobank and serve their customers in the way they want to best.\n\nDevelopers will be able to reach hundreds of Cryptobank brands and their customers, if not 1000s, as Baanx.com grows - allowing open source financial application development and further innovation in this revolutionary time.\n\nBaanx.com Cryptobank customers - throughout the network - will have the ability to use Cryptocurrencies in everyday life - we must scale fast to ensure we have the power to keep pushing forwards - 1 Cryptobank can be shut down by Traditional Banking, hundreds / thousands within a decentralised platform cannot be....\n\nDigital Banking Redemption - Baanx.com\nBaanx.com is a revolutionary digital blockchain banking community where any individual, business or charity can launch their own branded and profitable bank in as little as 72 hours. Cryptobanks which bring Cryptocurrency use to everyday life and give access to all Crypto and Fiat Banking services in one place!\n\nUsing smart-contracts, any qualified entity passing the AML and identity checks can create a fully-managed, branded and licensed Cryptobank. These custom Cryptobanks can provide financial services to existing brand followers or aid in attracting new branded bank customers with niche specialist offerings.\n\nBaanx.com Cryptobank and crypto-financial-services can be delivered within a hard-wired, rules-based system to ensure each entity complies to EU & International License obligations. Baanx.com is utilising automation, AI and support systems to ensure that all back-office operations can be easily managed within the businesses frameworks and reduce costs for customers.\n\nBaanx.com offers something no one else in the world is, a custom smart-contract system allowing branded operators to provide services free from the constraints of obtaining their own license, the necessity of huge liquidity backing or creating complicated regulated technology. \n\nHow can you get involved today?\nTo ensure you are ahead of the market check out www.baanx.com today to find out more about supporting bank decentralization, contributing to their ICO and launching your own Baanx.com bank (qualified individuals with a strong customer following).\n\nDon’t miss out on Baanx.com official Pre-Sale on 14th March 2018!\n\nThe Official link to Baanx.com:\nWebsite: www.baanx.com\nReddit: https://www.reddit.com/user/baanx\n\nSocial Media:\nTwitter: https://twitter.com/baanxcom\nFacebook: https://www.facebook.com/baanx.io/\n![](https://steemitimages.com/DQmaXKqyxYEUgpiK3WQ4MYfz38NCfn47SffM3EeNBJYQrVo/image.png)",
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