Category: Cryptocurrency

Bitcoin: Everything You Should Know About It!

Bitcoin is a digital asset that operates without the central bank’s intervention and other third-party financial institutions. Free money runs on the digital market to create fast and secure transactions. It relied on Blockchain technology, which is peer-to-peer software and cryptography. This software records all the public ledgers around the world held on servers. Every transaction on Blockchain (the underlying platform for Bitcoin exchange) is present and can be easily accessed. These transactions are collected and added by crypto miners into the blocks in the blockchain.

This is like many ways of holding your asset in physical accounts. All the difference is bitcoin is saved under digital wallets and checked by miners instead of traditional money being saved and controlled by the central bank. It was previously known as Satoshi. But later, it was recognized as Bitcoin.  However, the public and private keys are used to access Bitcoin. Let us know more about it in-depth.

Can you convert bitcoin into cash?

Unlike the earlier times, exchanging Bitcoin for cash is now easier because of its wider acceptance. You will find various cryptocurrency exchanges applications on the internet where people can exchange cryptocurrency and make easy transactions from person to person and over various communication platforms. However, no official procedure or platform is set to convert Bitcoin into another currency. All you need to research online and find a reliable platform to make things easier.

The aim of Bitcoin

Bitcoin was created with the aim of making digital transactions easy and complete without third-party intervention. Other, its aim is to become the best alternative to a physical asset, money to make the payments. Since its introduction, it has seen tremendous growth, and people are enjoying its great value. Therefore, it may consider as the best asset to becoming global digital currency in the world.

Who invented Bitcoin?

The author, Satoshi Nakamoto, wrote about the problem with traditional currency on the white paper titled- Bitcoin, a peer-peer electronic cash system theory. And it was published in 2008 on the domain under .org. This cash system will be free from government bodies, unregulated, and free digital currency to use by anyone.  Then the following year described the software, and it was officially released on Network on 9 January 2009.

The author continued working on Bitcoin with various developers till 2010. Later, Nakomoto withdrew the project with developers and started work on its own devices. However, no one knows the real personality of Nakomoto as they have not made any public statements.

What risks are involved with Bitcoin?

Bitcoin has seen several criticisms, including mining to security. In fact, it has faced a ban and was considered equivalent to the tulip crisis, and much more. Cambridge University said that the mining system is energy-hungry. They have an online calculator to track the consumption of energy. In the year 2021 beginning, overall energy was estimated to use terawatt hours for a year, while in 2016, it was used 306 terawatts per hour. Besides this, cryptocurrency is also connected with illegal activities and frauds. This is mainly linked with the black market since there is no interference from the central bank. Its highly fluctuating prices are also a point of concern holding Bitcoin to gain the popularity it must have.

Is Investing in Bitcoin Safe?

Cryptocurrency is a high-volatile market. Thus, investing includes high risk. This is the right move if you are ready to make a great investment by undertaking risk. However, you will need to make sure you are buying bitcoin from the right source, visit Pattern Trader official app, so you can invest in safe Bitcoin. Therefore, for your clarification, one must know some facts that need to be checked before buying bitcoin. Read on.

 

Choose the trusted platform for investment

Know the industry

Join the online forums or take help o expert

Read cryptocurrency white papers

Invest when is the right time

Analyze the risk

Considering all-above facts can help you achieve good results. However, practicing and low investment opportunities can work best to make profits.

The Bottom Line

Bitcoin is the most trusted and demanded cryptocurrency that one should invest in. However, it is suggested to read on current market condition to enjoy the best profits.

 

 

Why Is Crypto Safe Currency For Your Everyday Payments?

If you study the ideology behind the development of crypto, you will learn that it was made for common people. The idea was to create a currency controlled by its users instead of any other entity. In the case of fiat currencies that are conventionally used, they are either controlled by governments or federal banks. 

Although today, many people buy crypto with the dream of getting rich overnight, some still appreciate the concept of decentralization. Blockchain and decentralization are two major elements of crypto that make it the safest currency on the planet. 

People who have knowledge of the crypto world have started using crypto for their periodic payments. There are many reasons behind this transition which we will discuss in this post. According to crypto news, government bodies express more support and encouragement to enforce more safety measures for crypto since it has become a popular currency.

The following are some of the most logical points proving that crypto is safe for everyday payments:

Reasons Why Crypto Is Safe For Everyday Payments

 1. Instant And Cost-Effective

During making any payments, everyone hates waiting. However, if you opt for most conventional means, there’s always a risk of delay. The case will be changed if you choose crypto for your payments.

Crypto gained popularity due to its unparalleled speed when it comes to transactions. Even if you sit overseas from the sender or receiver, the whole procedure will be done instantly. Moreover, the transaction fee that you will bear is also considerably lower than typical transactional charges. 

If we move to the traditional fiat currencies, transactions, especially across borders, can even take days. In addition, although this is rare, people have faced inconvenience due to record misplacement. It can’t happen in the case of crypto due to blockchain technology.

All records are stored in different systems globally and recorded in the digital ledger. 

2. Inflation Proof

All over the world, all kinds of fiat currencies have only seen a downfall in their values. On the flip side, most of the reputed cryptocurrencies have only seen a rise if you conclude as a whole. 

It is because the number of cryptocurrencies is limited. For instance, Bitcoin, which is undoubtedly the most popular cryptocurrency, has only 21 Million coins in the blockchain. Hence, when something is limited, it automatically gains value. 

On the other side, the printing of fiat currencies is in the hands of governments and banks. On that account, the traditional currencies will keep losing their value over time. 

It makes investing in crypto a safer medium to store your savings.

 3. Anonymity

If you talk about the present, even the governments are worried about organized cybercrimes. Current cybercrime organizations are so advanced that your savings are not secured even in your bank account. According to multiple reports, hackers have targeted and stolen money directly from bank accounts.  

The best way to keep your savings safe is by investing in crypto in this situation. No one can trace back your assets from hackers to even the government. Only you are the one having access to your wallet. 

4. Multiple Ways Of Usage

To this date, several people believe that crypto is all about trading and making money out of it. However, the reality is quite different from this particular perception. There are several things you can use your crypto for. 

For example, you can buy gift cards using crypto and save them for later. There are several benefits of buying gift cards using crypto. You can use these gift cards for making purchases on your favorite online stores. Even gift cards of those stores which don’t accept crypto as a payment method can be bought using your crypto wallet. 

On top of that, buying crypto gift cards is also very simple and quick. One of the platforms you can use to buy crypto gift cards is Coingate. Coingate crypto payment processor takes no time and sends you gift cards details instantly. 

Other than gift cards, you can use crypto for buying commodities. You can gold, oil, silver and other such commodities using your crypto wallet. This fact makes crypto a very practical and safe currency for your everyday use. 

5. Theft-Proof

People store conventional fiat currencies in banks or their homes. Unfortunately, both of these places are not safe anymore. Crypto, however, is stored in hot or cold wallets. Hot wallets are the software that you can use to store the keys and details of your wallet.

Similarly, cold wallets are referred to as those hardware devices which can be used for storing details. These wallets are highly encrypted, and breaching their security barriers is nearly impossible. For more information on crypto wallets, you can check this article.

Final Thoughts

People who are convinced that using crypto is more practical often get confused when it comes to safety. Several points clearly prove that crypto is a much safer currency compared to other traditional ones.  

It is safe to use crypto for your everyday payments because nothing is ever delayed in the crypto world. Transfer of funds takes place in a blink of an eye. Moreover, this currency is not prone to inflation like fiat currencies. Anonymity and the fact that crypto is theft-proof also conclude that it is absolutely safe to use cryptocurrency for your regular payments.

 

Securitize Launches New ETH Yield Fund as Onramp for Institutional Investors

Securitize Capital, the digital asset management platform offering institutional-grade, tokenized funds, today announced the launch of a regulated ETH Yield Fund, as an onramp for investors to access an important blockchain protocol powering the fast-growing DeFi, NFT and Metaverse ecosystems, with the potential for yield derived from its lending.

“Due to high-profile cases of crypto businesses offering unregulated securities and banking products, there is a misconception that investors cannot access yield from crypto lending in a regulated way,” said Wilfred Daye, Head of Securitize Capital. “Today, investors can access regulated, institutional-grade crypto funds and the potential for yield through Securitize with the ETH Yield Fund opened today, which joins our existing USDC and Bitcoin yield funds.”

With investors chasing meaningful returns amid rising inflation and a roller-coaster stock market, there is growing investor interest in the potential benefits of cryptocurrencies and yield strategies, such as a stablecoin plus yield (USDC Yield) and a portfolio of cryptocurrencies (Securitize-S&P Large Cap Crypto Fund). The ETH Yield Fund provides institutional investors interested in economic exposure to DeFi, NFT and Metaverse ecosystems access consistent with compliance standards. Specifically, investing in the most commonly used Ethereum blockchain powering these technologies is a readily-accessible way for institutions to participate in blockchain-based innovations in a risk-managed way, consistent with Securities and Exchange Commission Regulation D 506(c) and Regulation S 902.

The new ETH fund democratizes investment access with a low 0.5% management fee, and zero performance fee. The fund is open for investment today through Securitize Markets. Lending services will be provided by Securitize’s partner, Anchorage Digital.

 

The new ETH Yield Fund is Securitize Capital’s fifth fund, joining four additional landmark funds launched in 2021, including:

How to invest SOL to ETH and get your profit

The year 2021 brought fame to several previously obscure altcoins. Some of them in the future may become worthy competitors of Ethereum and the Solana project is leading in this list.

What is Solana

Among the tasks that the developers of the platform set themselves was to create a first-level technical solution for hosting decentralized applications.

Ethereum was the first in this area, and quite quickly the demand for decentralized solutions revealed bottlenecks in blockchain technology. The performance and scalability of the platform were insufficient. A way out of this situation was found – the problem was partially eliminated with the help of second-level solutions. However, the increasing complexity of the system entailed new difficulties for the developers of DApps.

Solana blockchain provides first-tier solutions for DP with high transaction processing speed and scalability to billions of users without compromising reliability and security.

The system is capable of processing up to 50,000 thousand transactions per second. It was possible to achieve such high rates thanks to new technologies. Verification of transactions on the blockchain is performed using the Proof of Stake algorithm. To speed up verification, this algorithm is supplemented with a Proof of History (also known as a decentralized clock). As a result of the interaction of the two algorithms, each record in the blockchain is timestamped.

SOL coin functions

The blockchain has its own SOL coin. The coin is used for settlements in the Solana ecosystem. SAL owners have the right to vote for protocol changes. The coin can be earned by staking. Solana does not pay cryptocurrency dividends.

SOL emission is limited to 489 million coins. In less than two years, the price of the coin has grown from $ 0.75 to almost $ 260. Now the period of correction has come and the coin is trading at a price of about $ 180.

How to exchange Solana for Ethereum

Solana is available for trading on many major exchanges, but the SOL / ETHER pair is not supported by all. You can swap SOL to ETH for Binance, CoinBase Pro and Okex.

If you are not already registered with any of these platforms, you will need to create an account. Before starting to create it, carefully study the conditions for working with the platform and make sure that they suit you. After registering an account, verification will be required by providing a scan of an identity document.

After successful completion of the formalities, select the pair you need and create an order to sell SOL for Ether.

It can be either an instant trade or an order at a given price. After the execution of the order, withdraw the coins to an external wallet, if we are talking about long-term investment.

Before deciding to invest in any cryptocurrency, study the market trends. In the world of cryptography, everything changes very quickly and quick profits are not guaranteed. In the long term, many coins can be profitable, but no expert can predict the timing. Suffice it to recall that Solana’s price this year has surpassed the most daring forecasts by about half.

Swap SOL with LetsExchange

If the conditions of traditional exchanges for some reason do not suit you, you can still exchange your coins at a favorable rate. For such cases, there is LetsExchange, the C2C instant exchange platform. You do not need to register an account, any Internet user can use the sharing widget. To convert the pair you need, do the following:

  • In the upper field, select SOL for sale and indicate the amount of coins;
  • In the lower field, select ETH to buy;
  • Indicate the address of your Ethereum wallet;
  • Deposit coins.
  • Press the “Exchange” button.

Completing the transaction and withdrawing coins to your wallet

Six trends for blockchain in 2022: Web3, NFTs DeFi and more

Over 2,000 blockchain enthusiasts came together in Hamburg at BLOCKCHANCE 2021 to take stock and talk about the future of blockchain

With over 120 presentations six trends emerged from the conference

  1. Web3, Metaverse and DAOs
  2. NFTs everywhere
  3. Integration with current systems
  4. A multi-chain future
  5. 2022 – the year for DeFi?
  6. Regulation and sustainability

 

As cryptostars Joseph Lubin, Michael Saylor, Justin Sun, Raoul Pal, and Fabian Vogelsteller provided insights, it became clear that blockchain no longer is a hype but is becoming established in businesses and society.

The future is Web3, NFTs and DAOs

Web3 continues to expand, driven by the boom in Non-Fungible Tokens (NFTs) and the development of Decentralised Autonomous Organisations (DAOs). “DAO-tools will enable democratic participation, while keeping efficient financial management structures,” says Max Hartmann, Head of Consulting at BLOCKCHANCE

NFTs everywhere

NFT-trading and integration are expected to grow, not least as gamers will be able to own and monetise NFTs and the NFT-Art boom continues. “The NFT-infrastructure, competing marketplaces and the aggregation of a fragmented crypto space are developments we expect.”

Integration with current systems

Decentralized technologies such as blockchain can be used to preserve liberal democracies rather than clashing with current systems. This is a move towards a more rationally based model of how blockchain can serve different sectors.

“For blockchain to arrive in the mainstream public, we need to educate them how blockchain can shape a positive and sustainable future,” explains Fabian Friedrich, CEO and Founder of BLOCKCHANCE.

BLOCKCHANCE, together with European universities, is establishing the skill-building hub BLOCKCHANCEx, to raise a blockchain-savvy generation of students. “We need to empower the next generation who will live in a future we can barely imagine,” explains Fabian Friedrich.

A multi-chain future

Interoperability will be a key topic in 2022. Cross-chain protocols allow exchange between application-specific chains. Ethereum, already a strong contender as the foundation for Web3, allows transactions between different blockchain applications and is already the dominant smart contract platform. Competitors such as Solana will continue to co-exist, providing a healthy balance in the market.

2022 – the year for DeFi?

Hindered by regulation and lack of trust, Decentralised Finance (DeFi) may see a comeback. Players such as AAVE, Compound, YFI and innovative projects such as Protocol Controlled Value (PCV) and Liquidity as a Service (LaaS) will continue to expand. New concepts will help resolve operational and regulatory issues, causing further disruption in the finance sector.

Regulation and sustainability

As regulators zoom in on blockchain, many companies will aim to for more compliance and transparency.

With NFTs, cryptocurrencies and blockchain applications on the rise, so is their environmental footprint. Increasingly investors are looking for sustainable solutions, just as more blockchain companies are using renewables or tap excess energy directly from the producers.

With better governance and clearer regulations, institutional investors and the mainstream public may find themselves sooner rather than later in some corner of the metaverse.

Here Are The Top Uses Of Bitcoins Other Than Just Trading Purpose

Are you someone having Bitcoins but no idea what to do with them? Do you wish to make your first-ever purchase with this trending digital currency? Is it getting too exciting for you to spend this cryptocurrency on a worthy purchase? Well, if you desire to use your invested Bitcoin somewhere but are unaware of its usage, then this is the right guide for you.

Many people are wrong that they cannot get any product or service in exchange for Bitcoin because it is not a legal tender yet. But, get excited because it is time to burst that bubble of myth. Yes, governments of nations except El Salvador have not given cryptocurrencies legal recognition yet. However, on the other hand, it is factual that renowned companies have started accepting Bitcoin as the mode of payment. 

Here are some of the most common uses of Bitcoins that you need to know about. Read on to know further.

 

  • Food- This had to be the number one thing on this list for sure. Many brands like Subway and Burger King have started taking Bitcoins. There can be many local eateries also that will happily offer you your favorite snack for some Bitcoins. So, wait longer and look for nearby restaurants to satisfy your hunger with this cryptocurrency. And, to add more to your knowledge, did you know what the first-ever purchase with Bitcoin was? A person in Florida made the first Bitcoin transaction in the world for two tasty pizzas. Go ahead and get your appetizer now.

 

  • Cars- Yes, Bitcoins are not just about small purchases like food but more than that. The news about Tesla and Bitcoin’s sensational car as its payment method has driven everybody crazy. Even Elon Musk, the distinguished business tycoon, had the world shaken with his Tweet about Bitcoin. Therefore, if you plan to own this electric car, see here you can get the car of your dreams. Apart from Tesla, many other popular car dealers show their interest in Bitcoin acceptance. From now on, when you plan to buy a car, you should not hesitate and talk about the same with your chosen car dealer.


  • Accessories- Everybody loves to have some jewelry for their own or gifting use. If you are one of them, Bitcoin can help you buy elegant ornaments. Whether it is a Rolex watch or some local brand watches, you can use Bitcoin to use such items. Patek Philippe is also reported to allow Bitcoin payments for their luxury products. With more and more people investing in Bitcoin, several jewelers and accessory makers have partnered with crypto apps to encourage Bitcoin transactions. 


  • Travel- Much excited to read that? Well, you ought to because everybody wants to explore new places. And, having the perk of doing it with Bitcoin is like a cherry on the cake. This results to be fruitful for both traveling enthusiasts and travel companies. It had given this industry a boost, especially when it was hit due to the pandemic. Hence, more travel companies are providing this trending substitute of Bitcoin in place of the typical modes. To name some, CheapAir, Destini, Expedia, and AirBaltic show up in the picture.


  • Sundry- There are plenty of more activities you can do with the owned Bitcoins. With the rising demand, more and more companies are now accepting Bitcoin. The list of acceptors keeps getting better every then and now. So, always look for updates and news about the same. However, many eCommerce websites, insurance agencies, technological caterers, etc., support Bitcoin payments. In this context, some of the most popular labels are Microsoft, Newegg, eBay, Shopify, Overstock, Twitch, NordVPN, Reddit, WordPress, Vultr, and many more.

Final Words 

Besides all the mentioned above factors, you can also use Bitcoin to pay for your education from recognized universities as well. Based on certain important considerations, Bitcoin is becoming a popular currency, even for the routine shopping of people. Even if it is yet to get approval from the ruling governments, brands have started accepting this digital currency. So, make the most of this opportunity and get the goods and services with your Bitcoins.

 

What Is A Crypto Fundamental Analysis?

Traders and investors rely on a range of tools to help them predict the prices of their assets and to keep on top of their work. The same is true for those trading and dealing with cryptocurrency, and there is now a whole market of analytic tools available for this in this market.

One of these tools is the Crypto Fundamental Analysis, which is a way of predicting the price movements of select digital assets, which can then be used to determine your next move in the market.

If you are wanting to see success from your endeavors into cryptocurrency, then you will need to get familiar with the analytical side of things.

The Crypto Fundamental Analysis Guide

Crypto Fundamental analysis is an analytical system that can be used to predict future movements of digital assets, and it can be a useful tool for traders.

It works by gathering all available information about a digital asset, including qualitative factors, to determine likely price movements and presents them as useful analytics. With these analytics, traders can be aware of everything that is known about their current digital asset and rely on past trends to predict the future movements of the price, which can affect their investment.

Various kinds of analytics go into making this prediction, such as the number of active addresses using a cryptocurrency, uses cases, and even the competitors of the blockchain to provide a clear picture that can be used to inform traders’ next moves.

The purpose of crypto fundamental analysis is to provide a deeper understanding of a digital asset, which can then be used to determine the value of the currency and what the right investment strategy will be for it.

Is Fundamental Analysis The Right Move For Me?

Various tools and strategies can be used by traders of cryptocurrency to determine the value of the coin and to help you plan your next move; fundamental analysis is just one of them.

The reason why a lot of traders are looking into this kind of analysis, however, is the fact it can provide a complete understanding of the digital asset in question. Fundamental analysis of crypto relies on taking all available information about the blockchain and coin to determine future movements in price.

This technique relies on getting the full picture of the asset and using information from across the market to provide traders with a clear image of the true value as much as possible.

Like other tools, the analytics provided this way are a prediction of sorts, but the amount of work that goes into Fundamental Analysis can make things more accurate compared to other measures. 

You can learn more about how this technique works at https://swyftx.com/learn/crypto-fundamental-analysis-guide/

Regardless of the technique, you need a trading strategy and a way to get as much information as possible before making your next move. There are risks with trading all forms of currency, but you can reduce this with smart planning.

12% of Irish adult internet users own cryptocurrency study finds.

12% of Irish adult internet users, or an estimated 456,000 people, said they owned cryptocurrency in the December survey, up from 8% in October – an increase of four percentage points according to Finder.com’s latest Cryptocurrency Adoption Index.

However Ireland is still slightly behind the global average of 15%, ranking 20th for cryptocurrency ownership out of the 27 countries included in the study.

Bitcoin is still the most popular coin to have (5%), followed by Ethereum and Dogecoin (3% each), and XRP (2%).

The report reveals around a quarter of Irish adults (26%) think cryptocurrency is a good investment – well below the global average (43%).

However, 64% Irish adults know what cryptocurrencies are, compared to 85% in Australia and 68% in Vietnam.

Bitcoin adoption in Ireland

Bitcoin is probably the best-known name in the world of cryptocurrency, which is probably why an average of 39.1% of crypto owners globally said they had BTC in their wallets. As for Ireland, BTC ownership came in above the global average, with 44.3% of crypto owners saying they held BTC.

This places Ireland as the 9th out of 27 countries. Out of the five coins we asked about in our survey (Bitcoin, Ethereum, Dogecoin, Solana and Ripple), Bitcoin ranks as 1st choice for crypto owners in Ireland.

Between now and the last survey, the number of crypto owners surveyed who said they held BTC has fallen from the 59.9% of respondents who said they own Bitcoin in October to 44.3% in December.

Ethereum’s popularity with crypto owners in Ireland

ETH ranks as Ireland’s 2nd choice for crypto with 26.7% of crypto owners holding Ethereum, which is above the global average of 24.4%. This places Ireland 12th for ETH ownership.

DOGE ownership in Ireland

Ireland sits 4th for DOGE ownership globally, with 23.9% saying they own the memecoin, which is above the global average of 18.5%. As far as its popularity among crypto owners in Ireland, DOGE ranks 3rd.

Solana adoption in Ireland

During the December survey, we decided to also ask if respondents in Ireland owned Solana. Solana ranks as the 5th most popular coin, with 11.3% of crypto owners saying they hold the coin, which is below the global average of 15.5%.

Popularity of Ripple in Ireland

Ripple ranks as Ireland’s 4th most popular coin, with 14.9% of crypto owners saying they hold Ripple. The global average is for Ripple ownership sits at 16.8%, placing Ireland below the global average.

Full report

BUX Zero launches cryptocurrencies and Fractional Investing to the Irish Market

Beginning today, BUX will be introducing cryptocurrencies and fractional trading to flagship investing app, BUX Zero, in a phased rollout to clients in Ireland, The Netherlands, Belgium, Spain. The addition of cryptocurrencies and fractional trading now allows investors to access a 360-degree solution for building a diversified portfolio which also includes shares and ETFs.

Along with cryptocurrencies, Bux is committed  to lowering the barriers of entry for those who are looking to build wealth in an affordable, accessible way. For consumers with smaller amounts to invest, big companies with share prices in the thousands have long been out of reach. Fractional investing now allows these clients to buy a fraction of these shares, allowing them to further diversify their portfolios and build wealth for the future.

Speaking on the launch of fractional investing and cryptocurrencies in Ireland. Yorick Naeff, CEO of BUX comments;

“At BUX, our mission has always been to make investing both accessible and affordable. Today, we are making it even more affordable for European’s to benefit from investing, not just the wealthy. With the launch of fractional investing younger generations can now build a diversified investment portfolio with fractions of stocks from some of the biggest names in global tech, retail and auto.

Adding “cryptocurrencies are here to stay and we believe that in order for investors to build balanced portfolios, we need to be able to offer a selection of assets that are valuable for all of our clients. Bitcoin and cryptocurrencies offer innovative solutions that may prove to become a new way of hedging against a global economic crisis as well as disrupting old economic models that no longer serve the modern investor.”

This move sees the democratisation of the investment industry and traditional brokers, making investing accessible to all with Bux launching in Ireland in June 2021.

Available in the Apple and Google App Store, the investing app allows individuals to directly invest in any of the over 2,000 stocks available on BUX Zero. Users can open a free account in minutes, deposit or withdraw money for free at any time, search for specific assets and create lists of their favourite stocks, and access investment plans, jargon-free news, and educational content to help them make better decisions backed by solid financial knowledge.

BUX Zero clients will be able to invest in over 20 cryptocurrencies such as Bitcoin, Ethereum and Litecoin.

Starting today, BUX customers can invest in 100 of the most popular US stocks. In the future, fractional investing in ETFs and European stocks will also be possible in the BUX Zero app.