Learning the friendly way

Si vous êtes nouveau dans le monde des cryptomonnaies, vous avez probablement entendu l'expression "spot trading" sans vraiment la comprendre. Pas de panique – nous allons démystifier ce concept en quelques mots.

Qu'est-ce que le spot trading? ‍

Le spot trading ou "trading au comptant" est l'une des méthodes les plus basiques et courantes pour acheter et vendre des cryptomonnaies. Le terme "comptant" fait référence au fait que ces transactions se déroulent immédiatement. Quand vous effectuez un trade au comptant, vous achetez ou vendez une cryptomonnaie au prix du marché actuel.

Imaginez le trading au comptant comme l'équivalent digital d'acheter une baguette à la boulangerie locale. Rapide, direct, sans fioritures. Concrètement, c'est la façon la plus simple et direct d'acheter ou de vendre des cryptomonnaies, au prix du moment. C'est exactement ce qu'est le spor trading dans l'univers des cryptomonnaies.

Comment fonctionne le trading au comptant

‍Voici les étapes classiques du trading au comptant :

• Choisir une plateforme d'échange : C'est comme sélectionner son supermarché.
• Créer un compte et vérifier son identité : La plupart des plateformes sérieuses exigent cette étape pour prévenir la fraude.
• Déposer des fonds : Vous devrez transférer de l'argent (généralement en euros) sur votre compte.
• Sélectionner la cryptomonnaie désirée : Par exemple, si vous voulez acheter du Bitcoin, vérifiez son cours.
• Passer un ordre : Entrez la quantité de Bitcoin que vous souhaitez acheter et confirmez la transaction.
• Recevoir votre cryptomonnaie : Le Bitcoin acheté apparaîtra instantanément dans votre portefeuille.

Et voilà ! Vous venez de réaliser un trade au comptant.

Avantages du trading au comptant

‍Le spot trading présente plusieurs atouts, notamment pour les débutants. Son principal avantage est sa simplicité – le processus est direct et facile à comprendre, ce qui en fait un point de départ idéal pour les nouveaux arrivants.

Un autre avantage majeur est la possession immédiate : lors d'un trade au comptant, vous recevez votre cryptomonnaie instantanément, vous donnant un contrôle direct sur vos actifs numériques. Le trading au comptant tend également à avoir des frais plus bas comparé à d'autres méthodes de trading.

Enfin, le trading au comptant offre une transparence des prix optimale. Vous savez toujours exactement combien vous payez pour votre cryptomonnaie, ce qui peut vous aider à prendre des décisions plus éclairées.

Points importants à retenir

‍Bien que le spot trading soit relativement simple, quelques points méritent votre attention :

• Volatilité: Les cours des cryptomonnaies peuvent fluctuer rapidement, ce qui implique des variations potentielles.
• Frais: Vérifiez toujours la structure des frais de la plateforme avant toute transaction.
• Sécurité: Protégez votre compte avec des mots de passe robustes et une authentification à deux facteurs.
• Investissement raisonné: Le marché des cryptomonnaies peut être imprévisible.

Trading au comptant vs autres types de trading

‍Vous entendrez parler d'autres types de trading crypto, comme les futures ou le trading avec effet de levier, mais sachez que ces méthodes sont plus complexes et souvent plus risquées. Le spor trading reste généralement l'option la plus simple et la plus accessible.

Gardez à l'esprit que le marché des cryptos ne dort jamais – il est ouvert 24h/24, 7j/7. Cela signifie que vous pouvez trader à tout moment, mais aussi que les prix peuvent changer à n'importe quel instant.

Conclusion

‍Le trading au comptant est votre porte d'entrée dans l'univers du trading de cryptomonnaies. C'est simple, immédiat et vous donne un contrôle total sur vos actifs numériques. Comme pour tout investissement, informez-vous et comprenez les risques potentiels.

Préparez-vous pour le prochain grand halving de Bitcoin : tout ce que vous devez savoir

Avant le lancement du Bitcoin en 2009, Satoshi Nakamoto a conçu la cryptomonnaie avec une offre maximale de 21 millions de coins. Dans le cadre du plan global, le nombre de nouveaux Bitcoins entrant en circulation diminue à intervalles réguliers, maintenant ainsi l'offre totale. Ces intervalles sont connus sous le nom de halvings, sur lesquels nous allons nous pencher plus en détail ci-dessous.

Qu'est-ce que le halving du Bitcoin ?

Environ tous les 4 ans, ou tous les 210 000 blocs minés, le réseau subit un halving où la récompense en bloc pour les mineurs est réduite de moitié, soit de 50%. Cette récompense est gagnée pour la vérification des transactions et l'ajout d'un nouveau bloc à la blockchain.

Le processus de halvings diminue le rythme auquel de nouveaux Bitcoins entrent en circulation, épuisant progressivement l'offre restante jusqu'à ce que le dernier satoshi soit miné, ce qui est prévu aux alentours de 2140. Après cela, les mineurs ne pourront compter que sur les frais de transaction comme incitation à valider les blocs.

Historique des halvings du Bitcoin Le prochain halving du Bitcoin devrait avoir lieu en avril 2024, lorsque la récompense minière passera de 6,25 BTC à 3,125 BTC.

Pourquoi le halving a-t-il lieu ?

Le halving du Bitcoin est programmé à l'avance dans le code central du Bitcoin et n'est pas quelque chose qui peut être changé - c'est gravé dans la pierre. Conçu pour contrôler et ralentir la sortie de nouveaux Bitcoins au fil du temps, il en résulte de moins en moins de Bitcoins minés après chaque événement de halving.Cet approvisionnement limité est une partie essentielle de ce qui donne au Bitcoin son caractère déflationniste et son potentiel d'augmentation de valeur.

Comme l'approvisionnement est plafonné à 21 millions, la diminution progressive de la nouvelle offre sur le marché renforce la rareté artificielle du Bitcoin.Halvings précédents du BitcoinCi-dessous, nous examinons les halvings précédents et comment ceux-ci ont affecté le prix du Bitcoin. Historiquement, 12 à 18 mois après les halvings, le Bitcoin a atteint un record de prix. Bien que ce ne soit pas une règle absolue, cela a certainement été observé.

2009 - Lancement de Bitcoin
Date : 3 janvier 2009
Récompense de bloc : 50 BTC

2012 - Premier halving de BitcoinDate : 28 novembre 2012
Bloc : 210 000Récompense de bloc : 25 BTC
Prix avant le halving (novembre 2012) : Environ 12 $
Prochain record historique après le halving : 1 156 $ (novembre 2013)

2016 - Deuxième halving de Bitcoi
nDate : 9 juillet 2016Bloc : 420 000
Récompense de bloc : 12,5 BTC
Prix avant le halving (juillet 2016) : Environ 650 $
Prochain record historique après le halving : 19 891 $ (décembre 2017)

2020 - Troisième halving de Bitcoin
Date : 11 mai 2020
Bloc : 630 000Récompense de bloc : 6,25 BTC
Prix avant le halving (mai 2020) : Environ 8 800 $
Prochain record historique après le halving : 69 000 $ (novembre 2021)

En examinant les dates futures, le prochain halving devrait avoir lieu en 2024, lorsque la récompense de bloc sera réduite à 3,125 BTC. Ensuite, en 2028 (récompense de bloc 1,5625 BTC) et 2032 (récompense de bloc 0,78125). Cela continuera jusqu'à ce que tous les Bitcoins aient été minés, prévu pour 2140.

Impacts potentiels du prochain halving

Le prochain événement de halving du Bitcoin devrait avoir plusieurs impacts potentiels sur la cryptomonnaie. Tout d'abord, il réduira l'approvisionnement en nouveaux Bitcoins entrant en circulation de 50 %, diminuant ainsi considérablement le taux d'inflation. Cette réduction programmée du taux d'approvisionnement renforce la rareté codée en dur du Bitcoin, ce qui pourrait susciter une demande accrue si les investisseurs considèrent une offre réduite comme plus désirable.

Une demande accrue associée à un approvisionnement resserré pourrait potentiellement faire grimper le prix du Bitcoin.Cependant, le halving réduira également de 50 % les récompenses de bloc pour les mineurs, ce qui pourrait contraindre certaines petites opérations minières à fermer si leurs dépenses dépassent les revenus réduits récemment. Cela pourrait entraîner une centralisation plus poussée de l'exploitation minière, car de plus grandes entités avec des économies d'échelle plus importantes pourraient continuer à fonctionner de manière rentable. Cela pourrait conduire à une consolidation supplémentaire du hashrate minier parmi un plus petit nombre de grands acteurs.

Indépendamment des mouvements de prix, le halving de 2024 continuera l'horloge d'émission désinflationniste du Bitcoin jusqu'à ce que le dernier Bitcoin soit miné vers 2140. Cet approvisionnement systématiquement en diminution renforce l'une des principales propositions de valeur du Bitcoin en tant qu'actif déflationniste avec une rareté absolue intégrée par conception.

En résumé

Le halving du Bitcoin est un événement très significatif qui mérite d'être étudié car il renforce la politique monétaire désinflationniste codée en dur de la cryptomonnaie. Bien que les halvings passés aient entraîné de puissants marchés haussiers et une appréciation substantielle des prix, comme illustré ci-dessus, il est important de comprendre que les mouvements de prix futurs restent imprévisibles et ne peuvent pas être prédits.La valeur du Bitcoin est influencée par un ensemble complexe de facteurs au-delà des seules dynamiques d'approvisionnement, notamment les taux d'adoption, les évolutions réglementaires et le sentiment général du marché. Bien qu'une offre artificiellement contrainte puisse accroître la rareté, la demande est finalement la force motrice derrière les évaluations à long terme.

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Hey there, Community! ✨

We've got some exciting news to share, and it's all about making your life a little bit easier and a whole lot clearer. We're thrilled to announce our partnership with TapiX – and before you wonder what this is all about, let me break it down into plain English, just for you.

No More Guessing Games 🎲

Ever looked at your transaction history and thought, "Where on earth did I spend that money?" We've all been there, scratching our heads, trying to decipher cryptic names or puzzling out just which coffee shop that was.

Here's where TapiX comes in – and why we're so excited about it. TapiX turns those confusing codes and names into information you can actually understand. We're talking real names of stores, complete with local language and all the details to make it click instantly. Yes, that means no more guessing games!

A Picture Speaks a Thousand Words 📷

But why stop at names? When you look at your transactions, you can now see actual logos and images – making it even easier to spot at a glance where you've been shopping. It's like turning your transaction history into a colourful gallery of your spending habits.
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Pinpoint Shopping Locations📍

Ever got a charge from a store and wondered, "When did I go there?”. Now, you won't just see the name; you'll get the exact location. We're talking street address, city, even zip codes – perfect for those "Aha!" moments.
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Extra Details at Your Fingertips 🫰

And there's more. Want to revisit a store but can't remember the name? You can now access additional details like website links, opening hours, and more for the store and companies that support it. It's like having a little assistant tucked away in your transaction history.

Why This Matters to You 👀

We believe managing your money should be as straightforward as shopping. That's why we partnered with TapiX – to transform your transaction list from a boring spreadsheet into a clear, understandable, and even helpful part of your daily life.

Here's what it boils down to: less time puzzling out your past spends and more time enjoying your present. Whether you're a budgeting pro or just trying to keep track of where your money's going, we think you'll love this new feature.

It's All About You 💙
At Tap, everything we do is aimed at giving you a better experience. We listen, we care, and we act on what you need. This partnership? It's all about making your financial life clearer and simpler.

We're here to help you make sense of your spending, save time, and maybe even discover some new favourite spots along the way. And this is just the beginning – we're always looking for ways to improve your experience.

So go ahead, take a look at your updated transaction history, and see the difference for yourself.

Here's to clearer, simpler, and more enjoyable finances.

Warmly,

The Tap Team.

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In this article, we're covering what transaction fees are, and taking a look at which cryptocurrencies offer the lowest transaction fees.

While long-term traders are unlikely to get affected by transaction fees, short-term traders and people actively using cryptocurrencies are often plagued with excessive fee structures.

This complaint has led to layer 2 solutions, where transactions can most quickly and cost-effectively be executed, as well as new blockchain platforms entirely (as was the case when developers migrated away from Ethereum due to high transaction costs).

What are transaction fees?

Transaction fees are fees paid to the miner of the network to execute the transaction. While some networks differ in how they operate, transaction fees are consistent across the board. Looking at Bitcoin as an example, when a user sends BTC the transaction is entered into a pool of pending transactions known as a mempool. 

The miner will then pick up a batch of transactions and validate them, checking to see whether the original wallet does in fact have the funds to send and if the wallet addresses are valid. Once the transaction is executed, the data relevant to the transaction is added to a block, which is added to the blockchain chronologically. 

As compensation to the miner for their time and electricity, they earn a small crypto transaction fee from each transaction as well as a reward for adding the block, known as a miner's reward. This process also ensures the safety and integrity of the network.

When the networks are very busy, the cost of sending a transaction is increased. Users can then choose to add in a higher crypto transaction fee in order to prioritise their transaction in the mempool. 

Transaction fees for smart contracts are based on how much electricity will be needed to complete the task. Typically, transaction fees on smart contracts are much higher.

Generally, the terms transaction fee and network fee can be used interchangeably. They both refer to the transaction fee necessary by the network for the transaction to get processed.

Exchange fees refer to something else entirely. Exchange fees are fees charged by the exchange in order to conduct the service. Be sure to check before conducting a transaction on an exchange as you might be required to pay a transaction fee (or network fees) as well as exchange fees.

How to pay less for transaction fees

A transaction fee is imperative to your transaction getting executed so it cannot be avoided entirely, however, there are ways to reduce the amount you need to pay.

Transaction fees increase when the network is busy, so sending your transaction while the network is quieter is a great way to reduce the transaction fee. Typically the busier periods are during business hours in the United States. 

Look out for the Lightning Network for Bitcoin and layer-2 scaling solutions for Ethereum as these will provide a cost-effective solution to high transaction costs on those networks.

Which cryptocurrency has the lowest average transaction fee?

Let's take a look at some of the most popular cryptocurrencies and the average transaction fee associated with their platforms. 

XRP - $0.0002 per transaction

Developed by Ripple Labs, XRP is optimised for fast, affordable cross-border payments, with a focus on serving financial institutions and remittance providers. Thanks to its unique architecture, XRP has cemented its status as a key player in the payment processing space.

XRP's minimal costs and 4-second transaction times make it a preferred choice for users and institutions alike. 

Solana (SOL) - $0.00025 per transaction

Solana’s transaction fees cost just fractions of a cent ($0.00025), with complex transactions also coming in incredibly cheap. The network stands out for its lightning-fast transactions, typically wrapping up in about 2.5 seconds. Thanks to its scalable design, Solana can handle many transactions simultaneously, making it a hit for dapps and big blockchain projects.

This efficiency, coupled with its rapid speed, has made Solana a favourite among both developers and users, and a permanent feature in the top 10 biggest cryptocurrencies based on market cap (currently number 5).

Litecoin (LCH) - $0.0025 per transaction

Litecoin stands out as one of the cheapest crypto options out there, costing around $0.0025 per transfer. As an early pioneer in the space, Litecoin was designed with fast, affordable payments in mind, borrowing and refining Bitcoin's underlying technology. Litecoin's speedy 2.5-minute transaction times add to this appeal.

The minimal fees on Litecoin are a huge plus, with its efficiency and speed making Litecoin an attractive choice for those seeking a cost-effective crypto.

Bitcoin Cash (BCH) - $0.01 per transaction

Bitcoin Cash makes it onto the list with an attractive $0.01 average transaction fee. As a Bitcoin offshoot, BCH was engineered for faster, more affordable transfers via larger block sizes. 

The cost-effective fees on Bitcoin Cash have made BCH a viable option for those looking for a low-cost market entry and equally impressive low-cost transaction fees. 

Dogecoin (DOGE) - $0.04 per transaction

Dogecoin, born in 2013 as a playful take on crypto, has surprisingly become a significant player in the crypto space. Despite its lighthearted meme-inspired origins, Dogecoin's enthusiastic community and celebrity endorsements have propelled it into the mainstream. 

Its low $0.04 average transaction fees and fast 1-minute transaction times make it practical for frequent micro-transactions like tipping and donations, blending fun and function.

Trade smart, trade with Tap

Users can trade all the tokens mentioned above with equally low exchange fees directly on the Tap app. Adding to the cost-effective nature of the platform, it also offers heightened security and added convenience. It's time to trade smarter, download the Tap app and get started today. 
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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.

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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