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What a week this is turning to be. Full of twists and turns! There is a sense of regulatory maturity and acceptance in a way. From XRP, Ripple Inc., Cardano, Bitcoin and now Venezuela, it couldn’t be better for value-searching and relentless crypto traders. 

It may be XRP’s partnership with BitPay, the development in Cardano via Shelly Testnet launch, and Venezuela’s progression towards a more open cryptocurrency society. But what of other low risk, high reward, low to medium cap digital assets that have a well laid out roadmap and valuable partners? 

In week’s speculator’s notes, we identify two such projects that I’m convinced is worth a second look in Q4 2019. One thing though: Beware that this is not investment advice, neither am I endorsing any project. Do your due diligence and base your investment decisions on solid and well-researched findings. 

So, which projects are these? Well, let’s get started:

NEXO

Think about it, there is a wave of fiat debasement around the world. The FED, the ECB and other central banks are slashing interest rates and purchasing more assets to salvage their respective economies. With QE and preventive monetary policies, owning cryptocurrencies is a strategic, risk-averse move. 

Why? Digital assets are immune to these interventionist stuff. How Bitcoin behaves during periods of economic crisis is leading, and Nexo found an opportunity. Nexo is a blockchain-based overdraft system based in Switzerland and has a partnership with Credissimo. 

Credissimo are veterans in finance. While that is a huge plus, other well-thought out factors as automation where loan APRs are calculated via their Nexo Oracle, and insured funds are stored by BitGo in an audited Ethereum smart contract, it is their transparency and their thrive to dominate the cryptocurrency lending sub-sector that is ticking.

Guys, Nexo is a security, compliant with SEC’s rules and there are audited financial statements as part of their compliance. Token holders, aside from enjoying capital gains also receive dividends. Recently, Nexo distributed $2.409 million as dividend-with the obvious trend that these allotments keep rising.

I’m bullish on $NEXO because:

  • People will continue to borrow funds regardless of the base currency. It is just how the world operates. Willing lenders, willing borrowers agreeing on a determined interest rate. That demand alone plus Nexo’s global reach-and ease of borrowing, and the infancy of the industry means $NEXO could be highly undervalued at spot rates. Just to quantify, Nexo has distributed over $700 million to over 200k across the globe since launching. 
  • There are heavy weights involved. Credissimo is behind Nexo but their decision to rope in a qualified custodian in BitGo means token holders-and those lending their coins, are guaranteed of security. As it is there are security concerns in the space stemming from the decentralized nature of crypto operations. Few people can shoulder the responsibility of securely storing their coin’s private keys. When lending, that responsibility is shifted to Nexo who in turn passes that baton to certified experts.
  • They have launched a mobile app for clients. This further complements their work of building the Utilities 2.0 for NEXO tokens. Upon completion, there will be a plethora of amazing features for clients. However, that’s not forgetting their partnership with Terra that will further thrust them into the spotlight in South Korea.
  • More and more coins are being supported for lending. TRX was the latest. Furthermore, lenders can earn interest on Euro, USD and GBP, and even stablecoins–USDT, TUSD, USDC, PAX, and DAI. Interest rate is 8% APR on stablecoins, how can’t that be attractive? Cool thing about this is that there are no hidden fees neither are there minimum repayments. Just recently, LTC was recently added as a loan repayment option, widening options for borrowers.
  • Nexo will be listed at Binance DEX after receiving majority votes. Earlier, they had sent for a proposal for listing.

For more fundamentals check our long format review here: https://cryptogems.com/nexo-worlds-first-instant-crypto-credit-lines/

Telcoin (TEL)

We wrote a long format post on Telcoin here

It is not rocket science that remittance companies charge exorbitant fees. But there is good news. The penetration of the internet has been a reprieve, and recent statistics attests to this. It has contributed to financial inclusion, and Telcoin is right in the middle of this revolution. 

Telcoin does what they know best: incorporate mobile operators for financial inclusion and eliminating previous pain points of KYC, trust and reach. There move was strategic, taking advantage of the high rate of mobile penetration in developing countries. Leveraging this fast-tracks their drive of offering cheap remittance which fosters financial inclusion. 

Because of this, mobile money subscribers can send, buy, and sell Telcoin tokens with the operator as the intermediary. TEL are distributed to Telco partners depending on their level of adoption, promotion and integrity. There is a strict issuance model in place for this purpose.

Remittance and ecommerce are multi-billion industries, and Telcoin is merging two of the world’s disruptive developments in blockchain and mobile technologies. There are challenges, yes, but they are progressively moving towards their objective. 

I’m firm on $TEL simply because of:

  • The media attention it has been receiving in the last couple of months is enough to justify what the future holds. Since their objectives are clear and are desirous of playing crucial roles in ecommerce, financial inclusion and remittance, their reputation and their capable platform-it can handle 5 billion subscribers, could pump TEL valuation. Presently, TEL is in the top-200 of the world’s most valuable coins, out of the 2,000+ digital assets.
  • Pure mathematics: While there are 100 billion TEL as total supply, 50 billion has been set aside for telecom partners and operators and spread over 10 years issued according to a laid out model mainly depending on demand. Since they are issued freely to mobile operators, telecom partners will be incentivized to sell them to their subscribers as they will receive all profits. The other 50% are locked in exchanges. To further curb volatility, there is an option of locking prices for a period—a very attractive feature. 
  • They recently partnered with Paga, a Nigerian mobile payment provider that transacts over $500 billion with over 800 merchants. Besides, a partnership with one of the Philippines leading payment app issuers could be on the cards thanks to their meeting with Kenneth Palacios, the Vice President of Consumer & Trade Wallets of PayMaya. PayMaya’s objective is to build a cashless ecosystem, allowing business owners to pay online in seconds via any credit, debit, or prepaid card, or using their PayMaya app.
  • Telcoin were recently approved to provide remittance services from Australia. That is massive and bodes with their plans of opening up various payment corridors from the Philippines where they received a BSP VCE License. 

For more fundamentals check our long format review here: https://cryptogems.com/telcoin-tel-send-payments-to-a-mobile-number-for-real-crypto-adoption/

I hope this was informative for you. Never miss crypto investor insights by subscribing to our mailing list.

Thanks for reading and good luck everyone!


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Here’s one thing about crypto investing. It’s full of adrenaline and admittedly, at times nerve wrecking. Case in point, the past week has been a bloodbath for leading cryptos. Funny enough, some aspect of leading network’s on-chain metrics spectacularly recovered. Of course, there is an opportunity to reap serious profits from some of the tokens and coins that are recovering but took a beating. Most, given what they are proposing and their kind of partners, are seriously undervalued. But, that’s my perspective. 

Today’s notes will cover some few coins that are ripe for investment in Q4 2019 from a retailer’s point of view. Don’t misconstrue this as investment advice. My opinion are mine, do your own research.

So, let’s get going.

Interesting Catalysts to Consider

Ocean Protocol ($OCEAN): This is a no brainer in my view. Data is the new oil, it is pure gold if you ask me. The cool thing about Ocean is that they are building a platform where data providers and users can securely mingle and draw maximum benefit from their association. Ocean Protocol is a peer to peer network for data exchange and services. Data providers get paid to share their data. Simple!  And their drive was so strong, they found this call unstoppable, raising money in a bear market. Some took issue with this, but here we are, the platform is up and running. AI and machine learners are using their data, breaking down previous silos and democratizing the space. They are clear that their platform “will be for data scientists, AI researchers, large enterprises, NGOs and governments that need a way to get data and services seamlessly.”

So, why am I bullish on Ocean? 

  • The POA (Proof of Authority) network is up and live. Tagging several functionalities which references a common market place, users-data providers and users, can use their Ocean tokens to get paid or access services. Besides, developers can build on Pacific, with Ocean as a token of exchange. At this stage, common datasets are more available than ever with better APIs. Development has been turbocharged, and their roadmap right on track that POA is FOUR months after Nile. Obviously, there will be more demand for Ocean as the team work towards the next milestone scheduled for March 2020. Along with that, $Ocean is well-positioned to gain.
  • Ocean is backed by leading funds and partners including Unilever, Rochi and Messari. However, what is interesting is the involvement of Unilever Foundry. They partnered with NextBillion, and it will be their anchor customer. NextBillion is built on the Ocean Protocol, meaning the more Unilever demands for data sets, the more Ocean tokens will be valuable. Remember, POA is on, and I expect demand to pick up in the days ahead. Also note, one of Singapore’s used car listing sites, sgCarMart, is using Ocean Protocol for their “Know-Your-Vehicle” initiative. The site attracts over 2 million visitors per month.
  • The team is also working on Web 2.0 integration-for computer and storage services, with better service execution agreement in staking conditions, bounty rewards and slashing conditions. Progress is on track and they keep updating the community on each and every milestone they hit. Every 4-6 months, their roadmap is updated.

Dusk Protocol ($DUSK): Well, this ought to be a grand opportunity for value investors. Yes, the cryptocurrency and blockchain projects are “censorship resistance”, autonomous and pretty much unregulated. But that is not to say these projects operate in isolation. That they function without complying with country-specific laws. And worse, it gets complicated when hard-earned money is involved. Regulators, especially in the US, Europe and Japan, are not budging, and would demand for safety nets for investors. 

Dusk Network streamlines this. It is a transparent, self-sufficient ledger where projects can crowd-fund in an STO. Investors of STOs are guaranteed that the project won’t defraud them as tokens are backed by the assets of the company, are valuable and have voting power.

In Dusk, there tokens will function as money but also tags smart contracting capabilities while remaining private. The combination of all these features is why I’m bullish in the long term but also raved in the expecting the token’s value to surge in the near-time. All Dusk needs to do is capture a small portion of the securities market, and digitize assets and then a slingshot move to the top 50 is a real possibility. 

Other than that, here’s why $DUSK looks good:

  • The Dusk Network has launched the public testnet shin. And it gets more interesting. This test net will have a DUSK faucet, CLI wallet, Monitoring tool, and more. If anything, this is pretty important because from the ground up, the platform was designed for securities and asset digitization while stymieing redundancies. This is a critical development because Testnet Shin is the first publicly-available implementation of Dusk, a significant milestone for dApp development and Dusk is delivering that.
  • The Dusk mainnet is set to launch in Q4 2019. Launch is a proof that it is indeed possible to build a platform with a new consensus technology, zero-knowledge cryptography and security framework in collaboration with regulators. This is huge and bullish for Dusk!
  • Dusk is listed at Bittrex International, Binance, Bitfinex, ETHfinex and Binance DEX with over $2.2 million in daily trading volume but in a recent interview, Jell Poll of the Dusk foundation said they have plans to further engage the community. Dusk is building towards a “full browser node experience” and Browser nodes is a big part of that. These nodes, according to Jell, will build from TestNet Shin. 
  • Dusk has been added to Fantom’s BNB Bridge. What does this mean? Well, going forward, user can easily convert between Dusk between ERC-20 and BEP2 standards. This sort of interoperability between Ethereum and Binance, two huge blockchains, is bullish for Dusk. And let us not forget Bitfinex choose Dusk to build a fully regulated security exchange.
  • Dusk has been listed at Switcheo, and is available at Coinmerce.
  • The former MD for ConsenSys Ventures, Kavita Gupta, recently joined Dusk as a NED chairwoman. Those are experts seeing value in the network. The more experts involved, the more legitimate the project. Legitimacy coupled with proven partners (credit Suisse, TNW, GRS etc) often means higher demand for Dusk tokens. Since they are focused on the European market, it will be exciting to see what Gupta brings on-board towards this goal.

I hope this was informative for you. Feel free to comment via Twitter. Never miss crypto investor insights by subscribing to our mailing list.

Thanks for reading and good luck everyone!


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Crypto investing is the most amazing wealth opportunity of our life time. In this investor blog series on Cryptogems.com I publish notes on interesting market catalysts and I share my opinions on speculating/investing in crypto as a retail investor.

These notes are not financial advice and just my opinions.

Let’s dive in.

Interesting catalysts for 2019 Q4

  • Flexa coin ($FXC), Why? Staking $FXC makes it possible for existing cryptocurrency wallets to spend cryptocurrency (all currencies you use now are quickly becoming cryptocurrencies as well) at major retail stores and in future also major e-commerce websites. All this with a fraction of the current payment costs and fully powered by a decentralized payment network.

    Bullish for Q4
    1. Staking will be live and SDK will make it possible for every crypto wallet to partner with flexa (hopefully permissionless).
    2. They have tons of major brands already connected and I expect them to strategically announce even bigger and more global ones after staking is live and the real fun can begin. I expect upcoming headlines like this: Flexa makes crypto payments possible in H&M, Zara, Starbucks, Nike and… I know one of the biggest companies in the world is also on the list but I can’t disclose it. Sorry ;-)
    3. Staking makes $FXC a utility token and it’s expected highly reputable exchanges will be able to list it ones the utility is clear.
    4. You can see Flexa Network as the only serious project that can be labeled “The Stripe of crypto” and there are good reasons to believe this narrative is quite undervalued if you ask me: https://www.wsj.com/articles/fintech-company-stripe-joins-silicon-valley-elite-with-35-billion-valuation-11568912443
  • ULTRA Coin ($UOS), Why? Man, I come short of words when I want to describe what is going on here. Let’s say Ultra is not your typical open source blockchain project where it’s always a question if it will ever get used by a lot of people or if it’s even going to be used at all. Ultra is a steam like game distribution platform with big gaming titles first and uses blockchain in the back to offer innovative features to mainstream gamers and game devs second. They have 100+ partnerships with major game publishers to launch their games on Ultra for major gamer adoption right from the start. The platform is fully operating on top of a fast blockchain infrastructure (fully driven by $UOS token) without gamers and game devs have friction using the platform.

    This is probably my biggest bet in the 3+ years I have been “gem hunting”. We are so super lucky that we are in a bear market and people stopped doing hard work to find the finest investments of all. I guess most lost trust or hope after all these false promises that fueled the last crypto boom, and the painful bust thereafter.

    $UOS is at a 2 million valuation and my bet is that what they are going to present in the next 6 months will make the chain compete with top 5 cryptocurrency networks. I am crazy, right? I know that every idiot in crypto says this, but I know what I see and IMO it’s a super small risk when the valuation is at 2M MC and nearly none of what’s coming is out for the greater public. Even if they only enter the top 100 with all the major things coming up it will be a 20x from here. Good enough risk-reward for me.

    Bullish for Q4
    1. Ultra is about to launch their test net with some well known Technical Blockproducers.
    2. Ultra Open beta will be launched before the end of the year. Closed beta will be tested by professional gamers and some active community people are also invited to sneak peak before open beta. Watch closed beta product video: https://www.youtube.com/watch?v=s1vHDkIUUr8
    3. Mainnet will be launched before open beta and well know companies in the mainstream gaming world will be announced once they are ready to participate as block producer.
    4. There is enough info provided by the CEO’s that Ultra will be released with a huge Chinese gaming company onboarding their 70 million monthly active Chinese PC gamers.
    5. It is also unofficially known that there are multiple major western gaming companies involved. I also believe the biggest hardware company in gaming is invested into Ultra in some way and is closely working together to be a major player in the Ultra Launch. Hopefully these names will be disclosed in the coming months and otherwise beginning of 2020. It really doesn’t matter that much since there are hints everywhere and once speculation reaches the majority of crypto people I don’t expect $UOS to stay around 2 Million market cap for long.

Honorable mention

  • DigitalBits ($XDB) Why? New on the market and still unknown with a market cap around 3 Million. IMO this is going to change quickly after reading some stuff from their last AMA:

Al Burgio- “We are excited to soon release partner announcements in the coming weeks.  Stay tuned! Additional exchanges will also soon be making announcements!”

Al Burgio: “Thank you for all the great questions today!  Looking forward to doing another AMA again soon.”
Gary VS, “Julie Lyle. What is her day to day input on the from her advisory position?”

Al Burgio [In reply to Gary VS] “Stay tuned!  You will hear more from her soon.”

Gary VS,[In reply to Al Burgio (DigitalBits)]

“Hey Al I just missed the deadline. Is there any partnership in the works with Walmart? Or are you using her contacts extensively?”

Al Burgio [In reply to Gary VS]

“Some of the companies that we are engaged with are public companies, therefore, we are bound by confidentially agreements and cannot prematurely provide disclosure.  So unfortunately I cannot comment at this time. However, I can say that she and others onboard do have an amazing network of relationships that we are leveraging!”

They have the former CMO of Walmart on board and I’ve heard this is of importance here. Usually partnerships and exchange listings like this won’t leave a new project in the lower market cap ranks like where it is now.

High inflation and high hype (watch out)

The long awaited launch of Hadera Hashgraph was last week and after becoming a bit wiser in crypto every day I think $HBAR should be treated with caution. Nearly 2 years ago I remember Bitconnect-like youtubers were busy hyping this project as being the end of Bitcoin and any other blockchain you knew of.

The price already took a deep dive leaving ICO investors with a big loss and now is the question if the hype can turn this around in an uptrend. I think it’s important to take less risks with project like $HBAR where the token supply will double before the end of the year with continues high yearly inflation. The problem with high inflation is that token utility has a hard time to overcome this and in most times this ends badly for the token price. So why risk money to this over hyped token with inflation working against you? I don’t see it. Be cautious..

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I hope this was informative for you and let’s see where this blog is going in the coming months. Feel free to comment via twitter. Never miss crypto investor insights by subscribing to our mailing list.

Thanks for reading and good luck everyone!


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