Το Near Protocol ανήκει στη νέα γενιά blockchain που δίνουν έμφαση στην ευχρηστία και την κλιμάκωση. Λανσαρίστηκε το 2020 και προσφέρει μια ταχύτερη και πιο αποδοτική εναλλακτική λύση σε σχέση με παλαιότερα blockchain δίκτυα, χωρίς να κάνει συμβιβασμούς στην ασφάλεια. Μετά από αρκετά χρόνια ανάπτυξης, το Near έχει πλέον καθιερωθεί ως ένας από τους βασικούς παίκτες στον χώρο των layer-1 blockchain.

Σε λίγες γραμμές

• Κλιμακώσιμο & φιλικό προς προγραμματιστές: Το Near Protocol είναι ένα αποκεντρωμένο, layer-1 blockchain σχεδιασμένο για υψηλή κλιμάκωση και εύκολη ανάπτυξη dapps.
• Sharding & χαμηλές χρεώσεις: Χρησιμοποιεί ένα μοναδικό sharded Proof-of-Stake μηχανισμό (Nightshade) για αποδοτική επεξεργασία συναλλαγών και χαμηλό κόστος.
• Cross-chain διασυνδεσιμότητα: Το Rainbow Bridge επιτρέπει απρόσκοπτες μεταφορές περιουσιακών στοιχείων μεταξύ Near και Ethereum.
• Ντόπιο token (NEAR): Το NEAR κινεί το οικοσύστημα — για συναλλαγές, staking και συμμετοχή στη διακυβέρνηση — με συνολικό όριο προσφοράς 1,23 δισεκατομμύρια tokens.

Τι είναι το Near Protocol (NEAR);

Το Near Protocol είναι μια αποκεντρωμένη blockchain πλατφόρμα, φτιαγμένη να είναι φιλική προς τον χρήστη και εξαιρετικά κλιμακώσιμη. Σχεδιασμένο για την ανάπτυξη dapps (αποκεντρωμένων εφαρμογών), το Near στοχεύει στη διευκόλυνση τόσο των προγραμματιστών όσο και των τελικών χρηστών.

Η πλατφόρμα βασίζεται σε ένα Delegated Proof-of-Stake μηχανισμό συναίνεσης που ονομάζεται "Nightshade" και εφαρμόζει τεχνικές sharding για σημαντική αύξηση της χωρητικότητας συναλλαγών. Έτσι, το Near μπορεί να επεξεργάζεται χιλιάδες συναλλαγές το δευτερόλεπτο, με χαμηλό κόστος και μικρότερο περιβαλλοντικό αποτύπωμα σε σύγκριση με τα Proof-of-Work blockchain.

Ένα ξεχωριστό χαρακτηριστικό του Near είναι ότι χρησιμοποιεί ονόματα λογαριασμών που διαβάζονται από ανθρώπους, αντί για πολύπλοκες διευθύνσεις πορτοφολιών. Παράλληλα, προσφέρει υποστήριξη σε WebAssembly (WASM) και εργαλεία που κάνουν την ανάπτυξη εφαρμογών πιο προσιτή.

Χάρη στο Rainbow Bridge, η πλατφόρμα υποστηρίζει cross-chain διασυνδεσιμότητα, επιτρέποντας τη μεταφορά περιουσιακών στοιχείων μεταξύ Near και Ethereum, και έχει προσελκύσει μεγάλο αριθμό έργων στον χώρο του DeFi, των NFTs, των παιχνιδιών και των κοινωνικών εφαρμογών.

Ποιοι δημιούργησαν το Near Protocol;

Το Near ιδρύθηκε από τον Erik Trautman, επιχειρηματία με εμπειρία στη Wall Street και ιδρυτή της Viking Education. Μαζί του ήταν δύο τεχνικοί συνιδρυτές: ο Illia Polosukhin (πρώην Google) και ο Alexander Skidanov (πρώην Microsoft και memSQL).

Η ιδέα γεννήθηκε το 2018, όταν η ομάδα αναγνώρισε τα όρια κλιμάκωσης των υπαρχόντων blockchain. Έτσι, έθεσαν στόχο να δημιουργήσουν μια πλατφόρμα που θα μπορούσε να στηρίξει τη μαζική υιοθέτηση χωρίς να θυσιάζει την ασφάλεια ή την αποκέντρωση.

Σήμερα, η ανάπτυξη του πρωτοκόλλου υποστηρίζεται από το Near Foundation με έδρα την Ελβετία, το οποίο προωθεί την ανάπτυξη και τη διακυβέρνηση του οικοσυστήματος.

Πώς λειτουργεί το Near Protocol;

Αρχιτεκτονική και μηχανισμός συναίνεσης

Το Near Protocol χρησιμοποιεί την αρχιτεκτονική Nightshade, χωρίζοντας το δίκτυο σε shards που επεξεργάζονται συναλλαγές παράλληλα. Έτσι, μπορεί να επεκτείνεται δυναμικά όσο αυξάνεται η ζήτηση.

Για την επιβεβαίωση των συναλλαγών, το Near χρησιμοποιεί επίσης το Doomslug, έναν μηχανισμό που προσφέρει σχεδόν άμεση οριστικοποίηση των μπλοκ, χωρίς ανάγκη για πολλαπλές επιβεβαιώσεις.

Οι κάτοχοι NEAR μπορούν να συμμετέχουν στην ασφάλεια του δικτύου κάνοντας staking τα tokens τους ή να τα αναθέτουν σε validators.

Υποστήριξη Smart Contracts

Το Near υποστηρίζει smart contracts γραμμένα σε Rust και JavaScript, τα οποία μεταγλωττίζονται σε WebAssembly (WASM). Αυτό προσφέρει ευελιξία στους προγραμματιστές να χρησιμοποιούν οικείες γλώσσες.

Φιλικά χαρακτηριστικά προς τους χρήστες

• Ανθρώπινα αναγνώσιμα ονόματα λογαριασμών
• Ανάκτηση λογαριασμών και multi-signature έλεγχος
• Δυνατότητα κάλυψης χρεώσεων συναλλαγών για τρίτους (gasless transactions)

Cross-Chain Διασυνδεσιμότητα

Με το Rainbow Bridge, οι χρήστες μπορούν να μεταφέρουν περιουσιακά στοιχεία μεταξύ Near και Ethereum εύκολα και με ασφάλεια, επεκτείνοντας τη χρηστικότητα και τη συνδεσιμότητα του οικοσυστήματος.

Τι είναι το NEAR token;

Το NEAR είναι το εγγενές κρυπτονόμισμα του οικοσυστήματος Near και χρησιμοποιείται για:

• Πληρωμή τελών συναλλαγών και αποθήκευσης
• Συμμετοχή στο staking για την ασφάλεια του δικτύου
• Ψήφο σε αποφάσεις διακυβέρνησης για την εξέλιξη του πρωτοκόλλου

Το NEAR ακολουθεί ένα inflationary μοντέλο με συνολικό όριο προσφοράς 1,23 δισεκατομμύρια tokens, εκ των οποίων περίπου 1,18 δισεκατομμύρια βρίσκονται ήδη σε κυκλοφορία.

Πώς μπορώ να αγοράσω ή να πουλήσω NEAR;

Μπορείτε εύκολα να αποκτήσετε NEAR μέσω της εφαρμογής Tap. Μέσα από το app, μπορείτε να αγοράσετε, να πουλήσετε, να ανταλλάξετε ή να αποθηκεύσετε τα tokens σας, διαχειριζόμενοι το NEAR μαζί με άλλα ψηφιακά assets σας.

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Imagine you have euros in your wallet but need to spend dollars at a store. You'd need to exchange your currency first, right? Wrapped crypto works in a similar way, but for blockchain assets.

Wrapped cryptocurrency is a tokenised version of another crypto asset that lives on a different blockchain. Think of it as your original crypto asset wearing an outer layer that lets it work on another blockchain network. For example, Bitcoin can't naturally function on the Ethereum network because they're separate systems with different rules. 

But by "wrapping" Bitcoin, you get a token that represents Bitcoin's value while being compatible with Ethereum's ecosystem.

This seemingly simple innovation has become a cornerstone of decentralised finance (DeFi), allowing assets to move between otherwise isolated blockchain ecosystems and unlocking billions of dollars in cross-chain liquidity.

How wrapped crypto works

The wrapping process involves three key elements: custodians, merchants, and smart contracts.

Here's how it typically works:

1. Deposit: You send your original cryptocurrency (like Bitcoin) to a custodian—an entity or smart contract that holds your assets safely.
2. Minting: Once the custodian confirms receipt of your deposit, they mint an equivalent amount of wrapped tokens (like WBTC) on the target blockchain.
3. Release: These newly created wrapped tokens are then sent to your wallet on the new blockchain, ready to use.

When you want your original tokens back, you simply reverse the process—a procedure called "unwrapping" or "burning":

1. Return: You send your wrapped tokens back to the custodian.
2. Burn: The wrapped tokens are destroyed (burned).
3. Release: The equivalent amount of the original cryptocurrency is returned to your wallet.

This process ensures a 1:1 backing between wrapped tokens and their underlying assets, similar to how stablecoins maintain their value through reserves. For every wrapped Bitcoin (WBTC) in circulation, there's one real Bitcoin held in reserve by a custodian.

Benefits of wrapped crypto

Cross-chain compatibility

The most obvious benefit is interoperability. Wrapped tokens allow assets from one blockchain to participate in activities on completely different networks. Bitcoin holders can participate in Ethereum-based DeFi without selling their Bitcoin, while Ethereum users can access the value and liquidity of Bitcoin without leaving their preferred ecosystem.

Expanded DeFi possibilities

Before wrapped tokens, assets like Bitcoin were essentially locked out of the booming DeFi space. Now, billions of dollars worth of previously idle assets can earn yields, serve as collateral for loans, or provide liquidity to trading pools.

Enhanced functionality

When assets like Bitcoin get wrapped as ERC-20 tokens on Ethereum, they gain new capabilities:

• Smart contract interaction: Bitcoin doesn't natively support complex smart contracts, but wrapped Bitcoin on Ethereum can interact with any Ethereum smart contract.
• Faster settlements: Bitcoin transactions typically take about 10 minutes to confirm, while Ethereum transactions complete in seconds or minutes, making wrapped Bitcoin potentially more practical for everyday transactions.

Liquidity boosts

By making assets usable across multiple blockchains, wrapped tokens significantly increase market liquidity. The same value can now participate in various ecosystems without being split across different platforms.

Common types of wrapped tokens

Wrapped Bitcoin (WBTC)

The most popular wrapped token by market cap, WBTC brings Bitcoin's massive value onto the Ethereum blockchain. Each WBTC is backed by one Bitcoin held in reserve. This has allowed billions of dollars worth of Bitcoin to participate in Ethereum's DeFi ecosystem.

Wrapped Ether (WETH)

Interestingly, even Ethereum's native currency (Ether) has a wrapped version. Why? The original Ethereum token (ETH) predates the ERC-20 standard that most Ethereum tokens follow. WETH makes ETH compatible with dapps that require the standard ERC-20 format.

Other Notable Wrapped Assets

As cross-chain functionality becomes increasingly important, we're seeing more wrapped versions of various assets:

• Wrapped AVAX (WAVAX) on Ethereum
• Wrapped UST (Terra stablecoin) on various chains
• Wrapped tokens of various layer-1 cryptocurrencies

How to use wrapped tokens in DeFi

Lending and borrowing

Platforms like Aave, Compound, and MakerDAO allow users to deposit wrapped assets as collateral to borrow other cryptocurrencies. This means you can leverage your Bitcoin holdings to access stablecoins or other tokens without selling your BTC.

Liquidity provision

Decentralised exchanges like Uniswap and SushiSwap rely on liquidity providers to enable trading. By providing wrapped tokens to these liquidity pools, users can earn trading fees and additional rewards.

For example, the WBTC/ETH pool on Uniswap has consistently been one of the largest liquidity pools, enabling billions in trading volume between Bitcoin and Ethereum.

Yield farming

Many DeFi protocols offer incentives for users who provide liquidity or lend assets. Wrapped tokens allow users to participate in these "yield farming" opportunities across multiple blockchains, potentially maximising returns.

Risks involved

Custodial risks

Most wrapped tokens rely on custodians to hold the original assets, introducing an element of centralisation and trust. If the custodian is compromised or acts maliciously, your wrapped tokens could become worthless.

For instance, WBTC relies on BitGo as its primary custodian. While BitGo maintains high security standards, this represents a potential single point of failure in an otherwise decentralised system.

Smart contract vulnerabilities

Wrapped tokens, like all blockchain assets involving smart contracts, face potential security risks. Bugs or exploits in the smart contracts governing wrapped tokens could lead to fund losses.

Minting and redemption friction

The process of wrapping and unwrapping tokens often involves fees, waiting periods, and minimum amounts. These friction points can make wrapped tokens less practical for smaller transactions or quick trades.

Bridge attacks

Cross-chain bridges, which facilitate the creation of many wrapped tokens, have been frequent targets for hackers. Several high-profile attacks have resulted in millions of dollars in losses.

The future of wrapped tokens

Decentralised wrapping mechanisms

The industry is moving toward more decentralised wrapping processes that reduce reliance on centralised custodians. Projects like tBTC and renBTC are exploring new models where custody is distributed among multiple parties or managed entirely by smart contracts.

Multi-chain integration

As blockchain ecosystems evolve toward greater interoperability, wrapped tokens are likely to play a crucial role in creating seamless experiences across multiple chains. Users may eventually interact with different blockchains without even realising they're using wrapped assets behind the scenes.

Standardisation and regulation

As wrapped tokens become more integrated into mainstream finance, we can expect more standardised practices and potentially increased regulatory attention, particularly around reserve verification and consumer protection.

Bridging the blockchain islands

Wrapped tokens have essentially built bridges between previously isolated blockchain islands, creating a connected DeFi landscape where assets flow freely across networks. They give users remarkable flexibility – allowing them to use Solana's speed while accessing Ethereum's rich application environment.

While these tokens solve major interoperability challenges, it's worth remembering their trade-offs. The centralized custody model goes against blockchain's decentralization principles, and security risks exist.

Though we'll eventually see more sophisticated cross-chain solutions emerge, wrapped tokens currently serve as the vital connectors powering our increasingly interconnected crypto economy.

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Ever wondered how companies launch those shiny credit cards with their logos on them? Let's dive into the world of card programs and break down everything you need to know to launch one successfully.

What's a card program, anyway?

Think of a card program as your business's very own payment ecosystem. It's like having your own mini-bank, but without the vault, technical infrastructure and security guards. Companies use card programs to offer payment solutions to their customers or employees, whether a store credit card, a corporate expense card, or even a digital wallet.

As you’ve probably figured, the financial world is quickly moving away from cash, and card payments are becoming the norm. In fact, they're now as essential to business as having a product, website or social media presence.

Why should your business launch a card program?

Launching a card program isn't just about joining the cool kids' club – it's about creating real business value and heightened exposure. Here's what you can achieve:

Keep your customers coming back

Remember those loyalty cards from your favourite coffee shop? Card programs take that concept to the next level. When customers have your card in their wallet, they're more likely to choose your business over competitors. Plus, every time they pull out that card, they (and everyone else around) see your brand.

Show me the money!

Card programs open up exciting new revenue streams. You can earn from:

• Interest charges (if applicable)
• Transaction fees from merchants
• Annual membership fees
• Premium features and services
• Insights and information on spending habits

Know your customers better

Want to know what your customers really want? Their spending patterns tell the story. Card programs give you valuable insights into customer behaviour, helping you make smarter business decisions.

Understanding the card program ecosystem

Let's break down the key players in this game:

The dream team

Picture a football team where everyone has a crucial role:

• Card networks (like Visa and Mastercard) are the referees, setting the rules
• Card issuers (like Tap) are the coaches, making sure everything runs smoothly
• Processors (overseen by Tap) are the players, handling all the transactions on the field

Open vs. closed loop: what's the difference?

Open-loop and closed-loop cards differ in where they can be used and who processes the transactions. Let’s break this down:

Open-loop cards:

These cards are branded with major payment networks like Visa, Mastercard, or American Express, and are accepted almost anywhere the network is supported, both domestically and internationally.

Examples: Traditional debit or credit cards, prepaid cards branded by major networks.

Pros: Wide acceptance and flexibility.

Cons: May come with fees for international use or transactions.

Closed-loop cards:

Cards issued by a specific retailer or service provider for exclusive use within their ecosystem. These cards are limited to the issuing brand or select partners.

Examples: Store gift cards (like Starbucks or Amazon), fuel cards for specific gas stations.

Pros: Often come with brand-specific rewards or discounts.

Cons: Limited to specific merchants; less flexibility.

Challenges that may arise

Let's be honest – launching a card program isn't all smooth sailing. Here are the hurdles you'll need to jump:

The regulatory maze

Remember trying to read those terms and conditions? Well, card program regulations are even more complex. You'll need to navigate through compliance requirements that would make your head spin.

Security

Fraud is like that uninvited guest at a party – it shows up when you least expect it. You'll need robust security measures to protect your program and your customers.

We’ve designed our card program to handle these niggles, so that you can bypass the challenges and reap the rewards. With a carefully curated experience, we take care of the setup, programming and hardware so that you can focus on the benefits and users.

Closing thoughts

Launching a card program is like building a house – it takes careful planning, the right tools, and expert help. But when done right, it can become a powerful engine for business growth. 

Contact us to get started on building a card program tailored to your company. After all, the future of payments is digital, and there's never been a better time to get started.

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Onyxcoin (XCN), previously known as Chain (CHN), marks a major leap in blockchain infrastructure technology. Since its rebranding in March 2022, the protocol has gained traction as a leading enterprise blockchain platform. In a nutshell: it provides cloud-based solutions that enable companies to create and deploy financial services through private blockchain networks. Let’s explore this.

What is XCN?

XCN is the cryptocurrency powering the Onyx Protocol, offering both utility and governance, while the Onyx Protocol is designed to tackle key challenges in financial settlements. 

The Onyx Protocol is a versatile blockchain infrastructure designed to connect independent networks under shared standards, ensuring smooth interoperability. By separating asset control from ledger synchronisation, it delivers both security and flexibility to users.

Participants can issue assets using customisable "issuance programs," managed by "control programs" that enable the creation of advanced smart contracts. Network security is upheld by a federation of "block signers" to prevent forks, while a single "block generator" ensures efficient block creation.

Governance is managed through the Onyx DAO on Ethereum, with Onyxcoin (XCN) acting as the ecosystem's utility and governance token. XCN powers premium services, funds network upgrades, and enables token holders to influence the protocol’s direction.

Founded in 2014 with support from leading venture capital firms and partnerships with institutions like Nasdaq and Citigroup, the platform has evolved into an independent, reliable and advanced blockchain solution.

Key Features:

• Cloud-based blockchain infrastructure for enterprises
• Customisable tools for asset creation
• Smart contracts powered by control programs
• Integrated DAO governance for user participation
• Premium and standard service tiers

Technical and fundamental analysis

Market fundamentals

XCN’s tokenomics include a maximum supply of 48.47 billion tokens, with around 65% currently in circulation. Strategic allocations include 15 billion tokens for the foundation and 10 billion for the DAO, with monthly releases of 200,000,000 XCN per month, to maintain a controlled market supply.

Technical framework

The protocol’s architecture enables:

• Multiple independent blockchain networks operating simultaneously
• Secure asset control based on the principle of least authority
• Block validation by designated signers
• Efficient block creation via a single block generator

Trading volumes, price volatility, and sentiment indices for XCN

Trading volume

The current trading volumes of XCN provide key insights into market activity and investor interest. Steady or increasing volumes typically indicate sustained engagement, while sharp fluctuations could signify speculative trading or reaction to news events. For XCN, trading activity has shown variability, with spikes aligning with announcements or broader market trends.

Price volatility

Price volatility is another critical metric for understanding XCN's performance. While moderate volatility can attract traders seeking profit opportunities, excessive swings may deter risk-averse investors. Recently, XCN has experienced a mix of stability and rapid price shifts, largely influenced by macroeconomic factors and evolving sentiment within the cryptocurrency market.

Sentiment indices

Sentiment indices, derived from social media trends, news coverage, and community forums, offer a snapshot of market perception. Positive sentiment has often correlated with upgrades to the Onyx Protocol or advancements in the ecosystem, while negative sentiment has emerged during periods of uncertainty or market-wide downturns.

Together, these factors—trading volumes, price volatility, and sentiment—illustrate the complex dynamics shaping XCN’s market presence and potential for return on investment. For investors and traders, monitoring these indicators can provide valuable insights into potential opportunities and risks, though they should be evaluated alongside broader market conditions and fundamental analyses.

Short-term price predictions (1-3 years)

In the following sections, we’ll take a look at both short-term and long-term price predictions, considering both bullish and bearish market scenarios. For reference, at the time of writing XCN was trading at $0.01236 (see later price here).  

Bullish scenario

Analysis suggests that several positive catalysts could drive XCN's growth in the near term:

• - Enterprise adoption

• Predicted range: $0.005 - $0.01
• Key driver: Increased business partnerships and platform integration
• Potential catalyst: Growth in private blockchain network adoption

• - Technological development

• Predicted range: $0.006 - $0.012
• Focus areas: Transaction speed improvements and fee optimisation
• Impact: Enhanced platform capabilities could attract more users

• - Institutional investment

• Predicted range: $0.007 - $0.015
• Driver: Growing institutional interest in cryptocurrency
• Catalyst: Potential market expansion and improved regulatory clarity

Bearish scenario

On the flip side, here are the bearish predictions: 

• - Regulatory concerns

• Predicted range: $0.001 - $0.0015
• Risk factor: Increased government oversight
• Impact: Possible operational limitations

• - Competitive pressures

• Predicted range: $0.0012 - $0.0017
• Challenge: Market saturation from similar projects
• Risk: Potential loss of market share

Long-term price predictions (3-5 years)

Bullish outlook

Long-term positive scenarios suggest significant growth potential:

• - Enterprise integration

• Predicted range: $0.02 - $0.05
• Driver: Widespread adoption of Onyx Protocol's technology
• Catalyst: Integration into mainstream financial systems

• - Technology evolution

• Predicted range: $0.03 - $0.06
• Focus: Platform maturity and ecosystem development
• Impact: Enhanced competitive advantage through innovation

• - Market growth

• Predicted range: $0.04 - $0.08
• Driver: Overall cryptocurrency market expansion
• Catalyst: Increased mainstream acceptance and use

Bearish outlook

However, long-term challenges could present significant headwinds:

• Market sentiment

• Predicted range: $0.0005 - $0.001
• Risk factor: Extended crypto market downturn
• Impact: Reduced investor confidence 
• - Competition

• Predicted range: $0.0008 - $0.0015
• Challenge: Emergence of superior technological solutions
• Risk: Diminished market relevance

These predictions account for various market scenarios and factors, keeping in mind the natural volatility of crypto markets. The ranges provided highlight potential outcomes depending on market trends and the progress of the project. Please note that this content is speculative and not financial advice - it should not be construed as such.

Conclusion

Onyxcoin (XCN) presents a range of possible price trajectories, from potential growth through enterprise adoption and technological advancement to more conservative estimates reflecting market challenges. While bullish predictions suggest possible growth to $0.08 by 2030, bearish scenarios indicate potential downside risks. 

As with any investment in digital assets, thorough research is essential. Readers should carefully evaluate their risk tolerance and consult financial advisors before making investment decisions, as market conditions can change rapidly in the volatile crypto sector. Keep an eye on the XCN page within the Tap app to keep updated on price movements.

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Τι είναι το Onyx Protocol (XCN);

Το Onyx Protocol είναι μια πλατφόρμα blockchain που βασίζεται στο cloud και επιτρέπει σε εταιρείες να δημιουργούν ιδιωτικά δίκτυα για τη διαχείριση ψηφιακών περιουσιακών στοιχείων με ασφάλεια. Σε αντίθεση με τα δημόσια blockchains, παρέχει ένα πιο κλειστό και ασφαλές περιβάλλον, μειώνοντας καθυστερήσεις και κινδύνους όπως οι παραβιάσεις δεδομένων.

Οι υπηρεσίες του περιλαμβάνουν APIs (RPC) και την πλατφόρμα Sequence για λογιστική καταγραφή σε blockchain, ενώ οι premium λειτουργίες πληρώνονται με το token XCN.

Το πρωτόκολλο χρησιμοποιεί καινοτόμα εργαλεία όπως τα “issuance programs” και “control programs” για τη δημιουργία και διαχείριση περιουσιακών στοιχείων. Η ασφάλεια του δικτύου εξασφαλίζεται από ένα σύστημα block signers και block generators.

Το Onyx Protocol διοικείται από ένα αποκεντρωμένο DAO στο οποίο οι κάτοχοι XCN μπορούν να συμμετέχουν με δικαιώματα ψήφου, εκπτώσεις σε υπηρεσίες και πληρωμές εντός της πλατφόρμας.

Ποια είναι η τεχνολογική βάση του XCN;

Η αρχιτεκτονική του XCN βασίζεται σε τρεις πυλώνες:

• Αποδοτικό Proof-of-Stake μοντέλο με χαμηλή κατανάλωση ενέργειας
• Υποστήριξη για έξυπνα συμβόλαια (smart contracts)
• Συμβατότητα με άλλα blockchains για διαλειτουργικότητα (cross-chain)

Η πλατφόρμα είναι προσβάσιμη τόσο σε ιδιώτες όσο και σε επιχειρήσεις, ενώ εφαρμόζει υψηλά πρότυπα ασφαλείας.

Πώς αγοράζω και κάνω stake XCN;

Μπορείτε να αγοράσετε XCN μέσω διαφόρων δημοφιλών ανταλλακτηρίων, όπως η Tap. Για staking:

1. Ρυθμίστε ένα πορτοφόλι που υποστηρίζει staking XCN
2. Συμμετάσχετε στο επίσημο πρόγραμμα staking
3. Κερδίστε ανταμοιβές με βάση το ποσό και τη διάρκεια συμμετοχής σας

Οι όροι staking έχουν σχεδιαστεί ώστε να ενθαρρύνουν τη μακροπρόθεσμη συμμετοχή.

Ποιοι βρίσκονται πίσω από το Onyxcoin;

Το Onyx ξεκίνησε το 2014 από τον Adam Ludwin και υποστηρίχθηκε από επενδυτές όπως οι Nasdaq και Citigroup. Αφού εξαγοράστηκε από την Lightyear Corp. (Stellar) το 2018, το 2021 επανήλθε ως ανεξάρτητος οργανισμός με νέα διοίκηση.

Από τότε, η ομάδα έχει επικεντρωθεί στην καινοτομία γύρω από το DeFi, την ασφάλεια, τα smart contracts και την κοινότητα. Η ανάπτυξη παραμένει διαφανής με συχνές ενημερώσεις, AMAs και διαδραστικά governance forums.

Είναι το XCN συνδεδεμένο με την JP Morgan;

Όχι. Παρόλο που η JP Morgan είχε μια μονάδα blockchain με το όνομα Onyx (πλέον Kinexys), το Onyxcoin (XCN) είναι ανεξάρτητο. Δεν υπάρχει καμία επιχειρηματική ή τεχνολογική σχέση μεταξύ τους.

• Το XCN δεν ανήκει στην JP Morgan
• Είναι ανεξάρτητο project
• Η ονομαστική σύμπτωση είναι απλή σύμπτωση

Συμπέρασμα

Το XCN είναι ένα ενδιαφέρον παράδειγμα εφαρμογής του DeFi, με λειτουργικό ρόλο τόσο ως utility όσο και governance token. Με έμφαση στη δημιουργία ιδιωτικών blockchain υποδομών, στο staking και στην αποκέντρωση, το XCN προσφέρει μια εναλλακτική πρόταση για την εξέλιξη του ψηφιακού χρήματος.

Καθώς ο χώρος του blockchain συνεχίζει να ωριμάζει, το XCN αναδεικνύεται ως ένα έργο που αξίζει να παρακολουθείτε.

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We’ve all been here: you land that dream job or get a nice raise, and suddenly your old budget feels unnecessarily restrictive. A few premium subscriptions here, some fancy dinners there, maybe a nicer apartment – before you know it, your higher income somehow feels tighter than before. 

Welcome to lifestyle creep, the subtle way our spending habits expand to match (or exceed) our growing income. It’s real, and it’s out there. Here’s how you can fight back. 

Why it happens

Lifestyle creep isn't just about splurging. Often, it's a series of small, seemingly reasonable upgrades. That €15 lunch delivery doesn't feel extravagant when you're having a hard day, and those €20 fitness classes are justified as a worthwhile investment in your health. 

The problem isn't any single expense, it's how these small changes compound over time, transforming from luxuries into what feel like necessities. And those small expenses can add up dramatically: an extra €50 per week on conveniences means €2,600 per year that could have gone toward retirement, a dream vacation, or your emergency fund. That’s a chunk of change in the end. 

Breaking the cycle

1. Find your motivation

Before making changes, identify why you want to control your spending. Maybe you want to switch careers, start a business, or build an emergency fund. Having a concrete “why” makes it easier to resist those immediate gratifications.

2. Audit your joy

Review your recent expenses and honestly assess which ones truly enhance your life. That streaming service you barely use? The subscription box that sits unopened? These are easy cuts. But don't stop at the obvious – examine everything, including your "necessary" expenses. Sometimes what we think we need is just habit in disguise.

Start doing this weekly, eventually moving up to monthly, until your inner accountant is completely satisfied with where your money is going. The idea here isn’t to strip all joy from your life, it’s merely to streamline it. 

3. Create friction

Make impulse spending harder:

• Remove saved payment information from shopping sites and phone settings
• Unsubscribe from marketing emails
• Establish a 48-hour waiting period for non-essential purchases

4. Address your triggers

Our spending habits are heavily influenced by our environment. Consider:

• Unfollowing social media accounts that trigger spending urges
• Finding free or low-cost alternatives to expensive social activities
• Being honest with friends about your financial situation and goals
• Planning social activities that don't revolve around spending

5. Regular check-ins

Schedule monthly "money dates" with yourself. Review your spending, celebrate wins, and adjust your strategy. Make it enjoyable – pour yourself a drink and put on your favourite record. This isn't about punishment, it's about alignment with your goals.

The mindset shift

Remember that reducing expenses isn't about deprivation, it's about choice and control. You might find that some lifestyle upgrades are worth keeping because they genuinely improve your quality of life. Others might be easy to let go once you realise they're not adding that much value.

The goal isn't to return to living like a college student. Instead, aim to be intentional about which upgrades you keep and which you can live without. This mindful approach to spending helps steer your money toward things that truly matter to you, rather than disappearing into a series of forgettable purchases.

By taking control of lifestyle creep, you're not just saving money – you're buying yourself options, flexibility, and peace of mind. And those are luxuries worth keeping.

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