Apprendre avec le sourire

In the fast-paced world of fintech, standing still means falling behind. At Tap, we've embraced this ethos wholeheartedly, pushing the boundaries of what's possible in digital finance. As we reflect on the first half of this year, we're proud to share a story of relentless innovation, expansion, and customer-centric improvements that have solidified our position as an innovative crypto-fintech player.

A Fresh Face for Finance

Our journey this year began with a seemingly simple yet profoundly impactful change – we gave our card a fresh new look. This was more than just aesthetics; it was a statement. In a world where your card is an extension of your digital identity, we wanted to ensure that every time our users reach for their Tap card, they feel a sense of pride and modernity.

Our community spoke, and we listened. Our users, ever  trendsetters, made it clear: they wanted to flaunt their Tap cards without turning their hands into impromptu privacy screens. The result? A card so sleek, so modern, that it practically begs to be photographed which makes a big difference in today's social media-driven world.

But we didn't stop at the surface. While giving our cards a modern facelift, our engineering dev team was hard at work enhancing our platform's core. We’ve also added a new exchange to our smart router and improved trading execution times. For our users, this means faster, more efficient transactions – because in the world of finance, every second counts.

Unparalleled Rewards - The Game-Changing Cashback Feature

Our standout achievement this year is undoubtedly the launch of our new Cashback feature. Born from the vocal requests of our vibrant community, this feature offers one of the industry-leading Cashback rates of up to 8% on card purchases. It's more than just a perk, it's a game changer that puts real rewards back into our users' pockets with every transaction.

This feature also breathes new life into our native XTP token, creating a symbiotic ecosystem where token holders can unlock even more value. By embedding XTP directly into our Cashback system, we've supercharged its Tokenomics, seamlessly connecting the best of traditional finance and crypto in a way that's simple, rewarding, and user-centric.

Expanding Horizons: Conquering the American Frontier

Our ambition knows no borders, and this year, we've made significant strides in our global expansion, particularly in the USA. This wasn't just another market entry – it was a testament to Tap’s resilience and unwavering commitment to our global vision.

The path to the US market was fraught with challenges. The regulatory landscape in the USA is notoriously complex, and the new government crackdown in early 2023 delayed our expansion plans, halting our launch just one week before it was set to go live. 

While this setback caused many companies to retreat from the jurisdiction, we saw it as an opportunity to demonstrate our adaptability and determination.

In the face of these obstacles, we didn't just persevere – we thrived. We've built a new, updated app platform specifically for our American users, tailored to navigate the intricate regulatory environment while delivering the innovative financial solutions Tap is known for.

Our successful expansion into the USA, despite the hurdles, is more than just a new market entry. It's a clear signal of Tap’s global ambitions and our ability to adapt and excel in even the most challenging environments.

Premium Experiences for Premium Users

Recognising that our users' needs evolve, we've introduced new premium user tiers. These tiers are designed to offer tailored experiences that align with the diverse financial journeys of our users and to fit every taste and budget. This is a reimagining of how financial services can be personalised.

Each plan now includes our brand new Cashback feature, allowing users to earn as they spend, and a dedicated market newsletter to keep them informed and empowered in their financial decisions. From the budget-conscious to the exclusivity seeker, there's now a Tap experience crafted for everyone.

Elevating the User Experience

Many of you requested this add on and that’s why we've introduced a search bar – a simple addition that makes navigating our feature-rich app a breeze. This simple yet effective addition makes it easier for users to find specific features, transactions, or information within the app.

The search functionality helps both new and experienced users navigate our growing range of services more efficiently, saving time and improving overall satisfaction with the app.

As part of our ongoing efforts to provide diverse financial options, we've expanded our cryptocurrency offerings this year. We've added two new tokens to our platform: GALA and YFI, giving our users more choice in their crypto investments.

Additionally, we've introduced an in-app XTP-BTC trading pair. This new feature allows users to conveniently trade between our native token and Bitcoin directly within the Tap app.

Strengthening Our Core: Behind-the-Scenes

While the changes mentioned above are the ones you can see and touch, they're just the tip of the iceberg. Behind the scenes, we've implemented close to 80 improvements that, while not immediately visible, have dramatically enhanced the overall user experience. 

From app fluidity enhancements to reinforced security measures and new provider integrations, we've been working round the clock to make your Tap experience smoother, safer, and more efficient than ever before.

Looking Ahead‍

As we move into the second half of the year, we're more excited than ever about the future of Tap. We're not just a financial app; we're your partner in navigating the complex world of modern finance. 

With every update, every new feature, and every market we enter, we're driven by a single goal: to empower you to get more from your money.

The story of Tap is one of constant evolution, and we're thrilled to have you along for the ride. Here's to the innovations of today and the financial revolutions of tomorrow.

Volatility has become a defining characteristic of the cryptocurrency market, however, it doesn’t need to be a negative thing. As these digital assets experience significant price swings, driven by factors like speculation, regulation changes, and technological developments, this presents a perfect opportunity to potentially generate substantial returns. 

This article explores strategies to capitalise on crypto volatility, including dollar-cost averaging, swing trading, leverage, and arbitrage. By understanding and embracing volatility, investors can navigate the market's ups and downs and potentially unlock rewarding gains in this dynamic landscape. Let’s dive in.

Understanding what volatility is

Volatility in finance refers to how much an asset price moves up and down over time. There’s no denying that cryptocurrency prices are known for being highly volatile and changing a lot in a short time, or that in many cases this has led traders to a rather healthy return on investment. While also synonymous with the stock market, volatility is typically caused by things like investors speculating and trading based on emotions, news stories that impact cryptocurrencies or shares, and uncertainty around government regulations or geopolitical events. 

Since cryptocurrencies are still fairly new and can be traded globally 24/7, their prices tend to swing wildly. These unpredictable price swings are common in crypto markets, so it's important to understand what causes the big ups and downs, how they contribute to greater economic growth, and to understand the importance of having a solid risk management strategy in place. 

Strategies for capitalising on crypto volatility

No matter which currency you are trading, one common strategy in taking advantage of volatility is dollar-cost averaging (DCA), this means investing a fixed amount at regular intervals regardless of price. DCA allows you to buy more when prices are low and less when prices are high, smoothing out the impact of volatility over time. For example, investing $100 weekly into Bitcoin.

Another approach is buying the dips, purchasing after a price drop, aiming to get in at lower levels. However, trying to "catch a falling knife" by buying too early carries risks. Technical analysis can help identify potential dip-buying opportunities for finding the best value.

Taking profits during rallies is also a key strategy used by investors. This involves setting target prices to sell portions of your holdings allowing you to secure gains amid volatility. A trailing stop-loss strategy can automate this, selling if prices retrace a set percentage from recent highs. It's important to remember that this strategy needs to be monitored and adjusted according to market movements.

Don't put all your eggs in one crypto basket. Diversification is crucial for managing risk in volatile markets. Spread investments across various cryptocurrencies, stablecoins, and asset classes like stocks to buffer volatility's impacts.

While lucrative opportunities exist in crypto volatility, appropriate risk management is crucial. Start small, learn strategies gradually, and as the trading law goes: never risk more than you can afford to lose.

The importance of proper risk management

Managing risk carefully and having an effective risk management plan in place is very important when trading cryptocurrencies like Bitcoin, Ethereum and other altcoins. Using stop-loss orders to automatically exit losing trades and sizing your position properly for your account size can help limit losses. However, be cautious about overtrading or putting too much money into extremely volatile crypto assets. Having too much exposure increases your risks dramatically and may cost you in the long run.

Instead, make sure that you diversify your portfolio and follow a disciplined trading plan as responsible risk management protects your capital and helps ensure long-term success in this unpredictable market.

Conclusion

While volatility defines the cryptocurrency market, it also presents opportunities for savvy investors. By embracing strategies like dollar-cost averaging, buying dips, taking profits during rallies, and diversifying across assets, you can navigate volatility's ups and downs. However, proper risk management through stop losses, position sizing, and avoiding overexposure is paramount. 

Start small, learn gradually, and never risk more than you can afford to lose. With discipline and a solid strategy, you can unlock crypto volatility's potential rewards while mitigating risks in this dynamic landscape. The key is understanding volatility's drivers and harnessing its power through proven tactics. Approach with caution, but don't let volatility's roller coaster scare you away from crypto's wealth-building possibilities.

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TON (The Open Network) is a new blockchain system created by the team behind Telegram. Making waves in the industry, the network aims to solve common problems with existing blockchain, notably:

• Scalability: handling more transactions
• Speed: processing transactions faster
• Usability: making it easier for people to use

TON's core component is the TON blockchain, on top of which the TON ecosystem exists. By tackling these issues, TON hopes to make blockchain more practical and widely used. It wants to turn blockchain from just an interesting idea into something that can be used in the real world.

The story behind TON

TON's story began in 2018 when Telegram, the popular messaging app, announced its ambitious blockchain project. Founded by brothers Pavel and Nikolai Durov, TON was envisioned as a fast, secure, and scalable blockchain platform.

The Durovs aimed to create a decentralized network that could handle millions of transactions per second, making it suitable for global adoption. Their vision included adding a new cryptocurrency called Gram to Telegram. This would let Telegram users send money and use blockchain apps right from the messaging app. 

Despite facing regulatory hurdles in 2020, which led Telegram to officially step back, the project found new life. The TON community took over development and since then, TON has achieved several milestones, including mainnet launch and growing ecosystem support.

The TON blockchain architecture

TON uses a multi-chain architecture with two main parts: the TON masterchain and workchains. The masterchain, the backbone of the system, handles important tasks like updating protocols, validating transactions, and managing interactions between different chains. 

The workchains are smaller, customizable networks that can run on their own and are used for various purposes. Then there are shard chains which split up work for faster processing. This setup helps TON handle lots of transactions quickly.

The TON ecosystem is anchored by TON Coin (TON), used for gas fees, processing costs, and storage payments. It is also essential for becoming a blockchain validator.

This coin powers various applications and services built on TON, enriching its functionality while smart contracts let people create automated agreements and apps, used for things like online payments or voting systems.

These smart contracts are run by the TON Virtual Machine (TVM), designed to be fast and use less energy than other systems. This makes TON more efficient and easier to use for developers.

Key features of TON

Decentralised

TON isn't run by one company or group, instead, it's controlled by a community of users and developers. This makes it resistant to anyone taking it over or shutting down the network.

Interoperability

TON is able to connect with other blockchain networks and dapps. This allows users to easily move things like money or data between different systems.

Scalability

TON can handle lots of transactions at once. It does this by splitting into smaller interconnected blockchains called "shards." Each shard works on its own, allowing TON to process millions of transactions per second.

Fast transactions

TON is built for speed. It uses a system that's faster and uses less energy than older ones like Bitcoin. This means you can use TON for everyday things like buying coffee or sending money to friends.

The many uses of TON

TON’s versatile architecture lets users build a wide range of services and decentralized applications (dapps). As a community-driven project, its ecosystem is constantly expanding with new services. Here are some key uses:

1. Payments and Transfers

TON facilitates quick and secure financial transactions. Its high speed is ideal for peer-to-peer transfers and online purchases, allowing merchants to accept cryptocurrencies seamlessly.

2. Gaming

The gaming sector can use TON’s fast transactions and smart contracts to develop decentralized games and in-game economies, offering new opportunities for developers and players. The network hosts the likes of JetTon Games and Hamster Kombat. 

3. Decentralized Finance (DeFi)

TON’s scalability and security support DeFi applications like lending platforms and decentralized exchanges, handling large volumes of transactions effectively.

4. Content Distribution

TON enables the creation of decentralized content platforms for video streaming and file sharing, ensuring fast and secure content delivery.

5. Social Media and Messaging

With integration into Telegram, TON supports decentralized social media and messaging apps, providing enhanced security and a variety of mini-apps and services.

Conclusion

TON (The Open Network) is a major step forward in blockchain technology, solving problems like slow speeds and limited scalability. Started by Telegram’s founders, TON has grown into a community-driven platform with a smart design and many uses. It aims to make blockchain practical and widely used in everyday life.

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Much like traditional ATMs, Bitcoin ATMs are specialized ATMs that allow users to buy or sell Bitcoin using cash, bank transfers or debit cards. These machines provide a convenient way to exchange traditional currency for cryptocurrency, or vice versa. In this article, we’re doing a deep dive on everything you need to know about using Bitcoin ATMs, including how to find one.  

The benefits of using a Bitcoin ATM

There are a number of reasons one might look to use a Bitcoin ATM instead of an exchange or wallet app. 

• Accessibility & Convenience

Easily buy and sell Bitcoin without complex online processes.
Located in high-traffic areas, easy to access.

• Instant transactions

No waiting for bank transfers or exchange processing.

• No bank account needed

Accessible to unbanked or underbanked individuals.
Provides a reliable option where traditional banking is unavailable.

Security concerns when using a Bitcoin ATM

Bitcoin ATMs offer a quick, accessible way to enter the cryptocurrency market, especially for those seeking more privacy or lacking traditional banking options. However, there are also downsides one should be aware of:

• Fraud and theft risks

ATMs can be targets for criminals. Always be aware of your surroundings and use ATMs in well-lit, public areas. 

• Secure your Bitcoin wallet

Ensure that your Bitcoin wallet is ironclad, using strong passwords with two-factor authentication. Also, ensure that if using an exchange wallet that the platform is reliable and regulated.

• Tips for safe Bitcoin ATM transactions

• Verify all transaction details before confirming
• Don’t share sensitive information with anyone
• Don't accept help from strangers
• Keep your receipt
• Monitor your wallet for discrepancies

By staying alert and following these precautions, you can safely use Bitcoin ATMs while minimizing security risks.

Fees associated with using a Bitcoin ATM

Bitcoin ATM fees typically consist of transaction fees (usually a percentage) and network fees for Bitcoin transfers. These rates can vary significantly between ATMs and operators, so it's best to use online comparison tools to find the best deals. 

To minimize costs, consider using ATMs with lower fees, even if they're less convenient. And note that conducting larger transactions can reduce the impact of flat fees, while alternative methods might be more cost-effective for smaller amounts. 

Keep in mind that Bitcoin ATM fees are generally higher than those on online exchanges, so always check the fee structure before transacting to avoid unexpected costs. 

How to find a Bitcoin ATM near me

Finding a Bitcoin ATM near you is easier than you might think, with various online tools and local resources at your disposal. Whether you prefer using Google, mobile apps, or exploring your local area, there are multiple ways to find a Bitcoin ATM near you.

1. Online directories and maps

• Use websites like Coin ATM Radar or Bitcoin.com ATM Map 

• Enter your location to find nearby ATMs 

• Filter results by buy/sell options and supported cryptocurrencies

2. Mobile apps

• Download apps like Bitcoin ATM Map or CoinATMRadar 

• Enable location services for real-time nearby ATM info 

• Get directions and ATM details on-the-go

3. Local businesses and retail locations

• Check convenience stores, gas stations, and shopping malls 

• Ask cryptocurrency-friendly businesses for recommendations 

• Look for Bitcoin ATM signage in high-traffic areas

Remember to verify the ATM's legitimacy and compare fees before you use one. Not all Bitcoin ATMs are created equal, do your research. 

How to use a Bitcoin ATM for buying/selling crypto

Once you’ve DYOR and found a reliable Bitcoin ATM, using it is straightforward. To buy or sell cryptocurrency, start by selecting your transaction type on the machine's interface. 

You'll typically need to verify your identity by scanning an ID or entering a phone number, depending on the amount you’d like to buy or sell and your local regulations. Next, enter your wallet address or scan its QR code. 

For buying, insert cash and for selling, send Bitcoin to the provided address. Once the transaction is processed, you'll receive a confirmation and receipt. Keep this safe until the Bitcoin has been deposited into your wallet.

As with any crypto transaction, always double-check all details before finalizing your transaction.

An easier alternative: Tap into the future

Why hunt for Bitcoin ATMs when you can have an all in one crypto app in your pocket? The Tap app revolutionizes how you can buy and sell cryptocurrencies. No more searching for ATMs or carrying cash - simply open the app and trade a wide range of digital assets instantly. 

With high-grade security and the freedom to transact anywhere, anytime, Tap offers unparalleled convenience. Enjoy lower fees, a sleek interface, and portfolio management in one secure location (your phone).

Whether you're a crypto novice or a seasoned trader, Tap delivers a seamless experience that traditional ATMs can't match. Ready to upgrade your crypto game? Tap into the future of digital asset trading.

The crypto market has entered a phase that veterans often call the "boring zone." It's a time when:

• Bitcoin's price seems stuck, fluctuating between $50,000 and $70,000 for months.
• Altcoins are in an even deeper slumber, with many down 50-80% from their peaks.
• Trading volumes on major exchanges have plummeted, dropping 30% from the last bull market's heights.

Sound familiar? It should. This lull is a recurring theme in the crypto market cycle, and historically, it's often the calm before the storm. It’s also a common attribute after a recent Bitcoin halving. 

Let's look at what happened after previous Bitcoin halvings:

• 2012 Halving: 92 days until new all-time high
• 2016 Halving: 291 days until new all-time high
• 2020 Halving: 216 days until new all-time high

For perspective, 28 July 2024 marks 100 days from the most recent halving, with 25 February 2025 marking the 300-day mark. 

The power of patient investing

Investing in cryptocurrencies over longer time horizons can be likened to early-stage venture investing, where patience could potentially lead to significant returns. While past performance doesn't guarantee future results, historical examples like Ethereum and Solana demonstrate this potential. 

Ethereum, launching at less than $1 in 2014, and Solana, starting below $1 in 2020, have since seen their values grow to over $3,000 and $140 respectively as of early 2024.

In the crypto space, what’s known as the HODL approach, emphasises the power of time and compound growth, similar to that of traditional asset classes. The idea is straightforward: if you've taken a position in a project you believe has strong fundamentals, maintaining that position through periods of high volatility could potentially lead to significant gains.

To illustrate this point further, in 2010, Bitcoin was worth less than $0.01. By April 2024, it had reached around $70,000. An investor who bought $100 worth of Bitcoin in 2010 and held it until 2024 would have seen their investment grow to millions of dollars.

Strategies for surviving (and thriving) in the "boring zone"

During quiet periods in crypto dive deeper into blockchain fundamentals, research promising projects, instead of anxiously checking prices or reacting to every piece of news, use this time productively.

Alternatively, for those with capital to invest, dollar-cost averaging (DCA) could be something to consider. A Vanguard study found that DCA outperformed lump-sum investing in 68% of cases during market downturns, highlighting its potential effectiveness in notoriously volatile markets.

Know with certainty that this "boring zone" is often temporary. Based on previous cycles, we might see a new Bitcoin all-time high in 30 to 150 days, and once Bitcoin breaks its previous record, top altcoin projects have historically seen gains of 200% to 1,000%.

By staying patient and disciplined during quiet periods, you can be prepared for potential opportunities that may arise as the crypto market evolves. Remember, while historical patterns offer insights, they don't guarantee future results, but these historical patterns are worth considering as you plan your strategy.

We get it, the waiting game is hard

Holding onto your crypto during boring market times can be tougher than you'd think. When prices aren't moving much, it's easy to get antsy or start doubting your choices. But keeping a cool head and being rational is key to long-term success.

First off, remember why you got into crypto in the first place. Was it the tech? The potential? Keep that big picture in mind. It helps to set realistic expectations too - crypto's known for its ups and downs, so flat periods are normal.

Try to limit how often you check prices. Constantly peeking at your portfolio can drive you nuts during slow times. Instead, focus on other parts of your life or dive deeper into learning about blockchain.

Connecting with other crypto fans can help too. Chat about ideas, not just prices. And don't forget to celebrate small wins - even if the market's quiet, projects are still developing and growing.

Stay patient, stay curious, and remember: in crypto, today's boredom could be tomorrow's excitement.

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Il est probable que vous ayez déjà entendu parler des termes "on-chain" et "off-chain", mais que signifient-ils exactement ? Cet article vous explique les différences entre les transactions on-chain et off-chain en matière de cryptomonnaies, vous aidant à comprendre ces concepts fondamentaux. Explorons leurs définitions, leur importance, et leurs différences clés.

Brève explication du fonctionnement de la blockchain

Avant de plonger dans les détails, couvrons rapidement les bases de la technologie blockchain. La blockchain, technologie sous-jacente des cryptomonnaies, fonctionne comme un registre décentralisé qui enregistre les transactions sur un réseau d'ordinateurs. Chaque cryptomonnaie utilise sa propre blockchain, stockant les informations relatives aux transactions effectuées sur le réseau.

Lorsqu'une transaction a lieu, elle est vérifiée par les participants du réseau, ajoutée à un bloc, puis intégrée à la chaîne. Ce processus de stockage des données garantit la transparence, car chaque transaction est enregistrée publiquement une fois validée et ne peut être modifiée rétroactivement. De plus, la nature décentralisée de la blockchain renforce la sécurité en éliminant la nécessité d'une autorité centrale pour superviser les transactions.

Pour une explication plus détaillée, consultez notre article Qu'est-ce que la Blockchain ?

Différence entre les transactions on-chain et off-chain

En résumé, les transactions on-chain se déroulent directement sur le réseau blockchain, où les données de transaction sont enregistrées et confirmées par les participants du réseau. À l'inverse, les transactions off-chain se produisent en dehors du réseau blockchain, généralement facilitées par des intermédiaires centralisés.

Les transactions on-chain reposent sur la technologie blockchain pour la vérification et la tenue des registres, assurant transparence et sécurité. Elles sont effectuées via des mécanismes de consensus comme le Proof of Work (utilisé par Bitcoin) ou le Proof of Stake (utilisé par Ethereum), garantissant des transactions sans confiance. Bien qu'elles soient sécurisées, elles rencontrent souvent des problèmes de scalabilité.

Les transactions off-chain, quant à elles, impliquent des bases de données privées ou des canaux de paiement alternatifs pour faciliter les transactions plus rapidement et à moindres frais. Elles sont généralement réalisées sur des solutions de Layer-2, un réseau blockchain secondaire qui soulage la chaîne principale en gérant une partie de ses fonctionnalités. Cela permet d’augmenter la scalabilité et l'efficacité.

Bien que les transactions on-chain soient intrinsèquement décentralisées et immuables, les transactions off-chain offrent une plus grande scalabilité et confidentialité, bien qu'elles comportent certains compromis en termes de confiance et de sécurité.

Vitesse des transactions et frais

En ce qui concerne la vitesse des transactions, il est important de noter que celles-ci varient généralement entre les transactions on-chain et off-chain. Les transactions on-chain, traitées directement sur la blockchain, peuvent être plus lentes en raison de la congestion du réseau et des processus de vérification.

En revanche, les transactions off-chain, facilitant les échanges en dehors de la blockchain principale, offrent souvent des délais de traitement plus rapides, notamment dans les canaux de paiement ou les solutions de layer 2.

Cependant, les transactions on-chain entraînent généralement des frais plus élevés en raison de la congestion du réseau et des ressources informatiques nécessaires à la vérification. Les transactions off-chain, utilisant des intermédiaires centralisés ou des chaînes latérales, peuvent avoir des frais plus faibles mais risquent de compromettre la décentralisation et la sécurité.

Le compromis entre vitesse et frais dépend du cas d’usage spécifique et du niveau de décentralisation souhaité par l’utilisateur.

Considérations de sécurité

Les transactions on-chain, étant directement traitées sur la blockchain, bénéficient de la décentralisation et de l'immutabilité, renforçant ainsi la sécurité. Cependant, elles sont vulnérables aux attaques du réseau et aux failles des contrats intelligents.

Les transactions off-chain, tout en offrant scalabilité et rapidité, dépendent souvent d'intermédiaires de confiance, ce qui soulève des préoccupations concernant la centralisation et les potentielles violations de sécurité. Néanmoins, les solutions off-chain mettent en œuvre des mesures de sécurité telles que le chiffrement et l'authentification multi-signature pour atténuer les risques.

En fin de compte, le choix entre les transactions on-chain et off-chain dépend de la nécessité de concilier les considérations de sécurité avec les exigences de scalabilité et d'efficacité, selon les cas d'usage spécifiques.

Transactions on-chain et off-chain et portefeuilles de cryptomonnaies

Pour comprendre le fonctionnement des portefeuilles crypto dans le cadre des transactions on-chain et off-chain, il est essentiel de saisir leur rôle dans le stockage et la facilitation des transactions de cryptomonnaies. Pour les transactions on-chain, les portefeuilles interagissent directement avec la blockchain, gérant de manière sécurisée les actifs numériques sur le réseau. Les transactions off-chain, quant à elles, peuvent nécessiter des portefeuilles spécialisés permettant des interactions en dehors de la blockchain principale, avec des fonctionnalités comme les canaux de paiement ou la compatibilité avec les solutions de layer 2.

Le choix du bon portefeuille dépend de facteurs tels que la sécurité, la compatibilité et les fonctionnalités nécessaires pour chaque type de transaction.

Conclusion

En résumé, il est crucial de comprendre les principales différences entre les transactions on-chain et off-chain lorsque vous interagissez avec l'écosystème crypto.

Bien que les transactions on-chain offrent décentralisation et immuabilité, elles peuvent être plus lentes et plus coûteuses. Les transactions off-chain, quant à elles, apportent rapidité et évolutivité, mais peuvent compromettre la sécurité. Le choix de la méthode appropriée dépend d'un équilibre entre la sécurité, le coût et la rapidité. Il est donc essentiel de prendre en compte ces aspects pour optimiser les transactions en cryptomonnaies et s'assurer qu'elles répondent aux besoins spécifiques dans le paysage en constante évolution de la blockchain.