Crypto Academy Week 14 - Publicación de tareas para [@levycore]

in hive-108451 •  3 years ago 

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Introduction

Welcome everyone to one more week of the crypto Academy, this week we will be talking about conventional financial systems vs decentralized financial systems as well as the differences between cryptocurrencies and their advantages over centralized financial systems, all this as part of the task to Professor @levycore from his interweekly lecture at the cryptocurrency academy.

What is the fundamental difference between cryptocurrencies and conventional financial systems?

The differences are several, since in the conventional system the transactions are limited in every way, since you cannot carry out transactions at certain times or exceed certain amounts of money, while in cryptocurrencies there are no limits, and each transaction is auditable In the decentralized system you have the money in your own wallet and you can verify the amount of money you have at any time, while in the centralized or conventional system the money is regulated by an institution, where if you do not meet the requirements that they ask for, They have the power to keep your money, block it, and close your account, that is why the decentralized financial system has been climbing positions in recent years and it is the future of finance, for example in the decentralized system you can request money loans with cups fixed interest rates and you can cancel this process whenever you want, something that does not happen in the centralized system since They dictate the guidelines to be able to grant said credit without mentioning the paperwork they request to grant these benefits.

Another difference that is notable between these two is the security of personal data, since in cryptocurrencies there are no identity verifications as happens in the conventional financial system where if you do not comply with a series of verifications and requirements you will not be able to have an account, Of course, this is an advantage and disadvantage of cryptocurrencies since sometimes this is beneficial for people who go astray and commit illegal actions since cryptocurrencies do not have personal records of users.

One of the advantages that exist with cryptocurrencies is that you always have the money and no institution is going to play with your money to earn interest without your consent.

Why is a decentralized system needed?

The decentralized system is necessary for people, since these centralized entities play with the money of their savers and investors, and do business secretly obtaining large profits thanks to the people who trust those institutions, in a decentralized system you have the money always in your power, and inventions are decided by you, profits and losses are decided by you, in my country something like this happened once, a bank got into a large investment and things did not go well, this bank I run away with the remaining money from the savers, leaving everyone without money, and that is precisely what a decentralized system does not want to happen, if all financial systems are decentralized people will have their money more secure and inventions will come, since people will have a choice of what to do and how to earn or lose money.

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What affects the value of cryptocurrencies?

The value of a cryptocurrency is affected by many factors, one of them is people's trust, that is the main factor since if there are no people who want to buy a certain currency, it is logical that the price falls, but if we are already talking about a currency that is established and has a stable price for a long time, there are many things that can make this currency fall in price one of them is negative news regarding this trend, such as a large sale of a major investor, as has already happened. These weeks with btc, another of the things that make these coins fall in price is a possible hack to the security of the same, we are clear that the main attraction of cryptocurrencies is security, because a hack to the security of the currency would cause many people to panic and decide to sell their coins. Another factor that makes it fall in price is that a possible competition improves in such a way that this currency is no longer an option for savers, as you can see there are many things that influence the price of a cryptocurrency, good news makes it rise of price but the bad ones will always make it fall to the bottom of the precipice.

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Why can't everyone be a miner?

It is a matter of investment, since to be a miner you have to invest in expensive devices, of course now there are ways to mine where investments are relatively low, but even so there are people who decide to only be investors, since to be miners you have You have to have the necessary knowledge in these teams, and definitely like this art of cryptocurrency mining, that is why not all of us can be, of course there are many people who do it as a hobby but do not see it as a business and dedicate all their time to it. to mine, but of course there are people like that who are all day looking to generate more restarts and have large sums of money thanks to this trade.

But the main reason is that to be a miner you have to dedicate yourself, and love that profession, and human beings are different in all aspects.

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Why can cryptocurrency transactions be called more transparent?

Your transactions are transparent because they run under a chain of blocks, and each block is encrypted, this is an advantage because being encrypted, no one can modify it, and having this feature all people who want to review it can do so from the genesis block Until the current block, in these blockchains we can observe the following characteristics of which we can say that the transfers are transparent:
  • Observe the amount of coins that exist in each wallet, this is impossible to do in the traditional system since the banks or companies in charge of keeping our money safe are not interested in having these data known

  • Observe all transactions from the genesis block to the current block, this is very important since we can do an audit from start to finish on all the transactions carried out so it is impossible that there is a modification of it without us noticing.

  • Observe the amount of circulating coins, this is another important aspect, since knowing the amount of money that exists is impossible for developers to make a pre-release of more coins without people knowing. Besides that it is something impossible in some cases.

  • This information cannot be modified or eliminated, since it requires that each node verify the transaction. If there is an error in a node, that transaction will throw an error and only the transaction that has more node verifications will be verified.

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Explain how the development of cryptocurrencies develops in your country.

Currently in my country there is a large movement in terms of the use of cryptocurrencies, it all began years ago with the implementation of a national currency cryptocurrency called the Petro, this currency is one of the main currencies used by the state, it came to break the paradoxes of finance in my country, it sought to give liquidity to the state and for Venezuelans to increase our purchasing power.

This currency in question, did not become more than a dream since as soon as it was accepted the creators of the original project were removed from their positions by orders of the national executive, assigning a traditional banker as the new minister of crypto assets. And if in my country there is a minister of crypto assets but, this is nothing more than a vermin owner of a traditional bank, which has caused the currency to stagnate and have been sunk and they have not allowed it to grow, since it was 100% centralized, and practically nobody uses it.

It should be noted that this currency was backed with oil from the nation, and it seems that it was all a movement of the rulers themselves to seize 40% of the Orinico belt, which is one of the largest oil reserves in the world, from then the currency has become stagnant.

Currently there is an institution called sunacrip which is a ministry of cryptocurrencies in Venezuela, where they regulate all the cryptographic aspects of the nation, there is a national registry of miners and people who earn crypto assets, it can be said that the use of cryptocurrencies in Venezuela is almost legal, I do not give 100% of the reliability because there are still government officials who persecute people who see that they have acceptable profits from mining, and whoever does not declare taxes is accused of money laundering, that is why The movement of cryptocurrencies in my country is legal but people act with suspicion and fear because when they observe that someone is doing well in cryptocurrencies or mining, the government uses any hoax to imprison them. so we people are still as anonymous as in any country where this type of financial practices is illegal.

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Conclusions

The decentralized system and cryptocurrencies are a problem for many governments since this would mean the end of their hidden businesses, since cryptocurrencies are completely transparent, they are 100% auditable, the conventional financial system knows these deficiencies that is why every day there are more banking institutions that adopt cryptocurrencies as a means of payment, and day by day more are joining the fever of cryptocurrencies and digital inventions.


@levycore

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Hi @torrealba2719 , Thanks for submitting your homework

Feedback: You have completed every point and you have understood the basics of cryptocurrency
Rating: 7

Gracias profesor