We want to inform you that XTP trading will be temporarily paused starting today on the Tap app. We’ll be temporarily pausing XTP trading on the Tap app. This short pause will give us the time we need to complete the integration of ProBit, an exchange that continues to support XTP trading.
We sincerely apologise for any inconvenience caused by the Bitfinex delisting. XTP was removed alongside several other major tokens, and the short notice left limited time to implement an alternative solution. We moved quickly, and the integration with ProBit an exchange that supports XTP is already in progress.
Here’s what you need to know:
- XTP trading will be paused for a few days
- We’re integrating ProBit into our trading engine
- Once that’s done, XTP trading will resume as usual in the app
- We’re also in active talks with several other exchanges to expand access to XTP
We know how important XTP is to many of you, and it’s at the heart of the Tap ecosystem. Thank you for your patience and continued trust. We’ll keep you updated and let you know the moment trading goes live again.
The Tap Team
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Du har säkert stött på begreppet fiatplånbok i kryptovärlden – men vad betyder det egentligen?
I den här guiden reder vi ut vad en fiatplånbok är, varför man använder den, och hur du själv kan komma igång.
Vad är en fiatplånbok?
En fiatplånbok är ett digitalt konto där du kan lagra, skicka och ta emot traditionella valutor, alltså fiatvalutor – precis som på ett vanligt bankkonto online.
Många kryptobörser erbjuder fiatplånböcker tillsammans med kryptoplånböcker, för att göra det enklare för användare att snabbt köpa eller sälja kryptovalutor utan att invänta långsamma banköverföringar.
Fiatplånböcker förekommer även inom fintech, där användare kan få ränta eller andra förmåner på de pengar de förvarar i plattformens e-pengatjänst. För att tillhandahålla fiatplånböcker krävs en e-pengalicens, vilket säkerställer att tjänsten regleras enligt lag.
👉 Fiatvalutor är statligt utfärdade valutor – som amerikanska dollar, euro, brittiska pund eller svenska kronor – och styrs av centralbanker i respektive land.
Hur fungerar en fiatplånbok?
En fiatplånbok fungerar på liknande sätt som ett traditionellt bankkonto. Den stora skillnaden är att den ofta finns på en kryptobörs eller en fintechplattform och inte är ansluten till en fysisk bank.
Till skillnad från kryptoplånböcker, som hanterar digitala tillgångar på en blockkedja, innehåller fiatplånböcker vanlig valuta (t.ex. SEK eller EUR) – precis som på ditt vanliga bankkonto.
Användare kan:
- Göra snabba köp av kryptovaluta utan att vänta på banköverföringar
- Växla mellan fiat och krypto inom sekunder
- Få ränta eller belöningar beroende på vilken plattform som används
🔐 Viktigt att notera: Fiatplånböcker är inte kopplade till någon blockkedja – de är helt utanför kryptosystemet och fungerar som en brygga mellan traditionella banker och kryptotjänster.
Varför använda en fiatplånbok?
Många använder fiatplånböcker av ett enda skäl: snabbhet. Banköverföringar kan ta flera arbetsdagar, vilket kan skapa problem för dig som vill:
- Reagera snabbt vid stora prisförändringar på kryptomarknaden
- Skydda din portfölj vid hög volatilitet
Tänk dig att priset på en kryptotillgång plötsligt faller över natten. Utan pengar i din fiatplånbok måste du vänta på att en banköverföring ska gå igenom – och då är priset troligen redan ändrat. Med en fiatplånbok på plats hade du kunnat köpa direkt och dra nytta av tillfället.
📈 På kryptomarknaden handlar det ofta om sekunder – och då kan en fiatplånbok göra stor skillnad.
Är mina pengar säkra i en fiatplånbok?
En fiatplånboks säkerhet beror helt på plattformen som tillhandahåller den.
De flesta seriösa aktörer, som kombinerar krypto- och fiatplånböcker, använder:
- Krypterad dataöverföring
- Tvåfaktorsautentisering (2FA), t.ex. lösenord + biometrisk inloggning eller engångskod
- Regelverk för e-pengalicenser för att följa lokal lagstiftning
Säkerhetsnivån i en fiatplånbok är alltså jämförbar med den i kryptoplånböcker – och i många fall lika hög som hos digitala banker.
Så här använder du fiatplånböcker i Tap-appen
Med Tap-appen kan du enkelt sätta in pengar i en reglerad och säker fiatplånbok.
Så här gör du:
- Gå till Startskärmen
- Välj Cash Wallet
- Välj den fiatvaluta du vill ladda (t.ex. EUR eller GBP)
- Välj mellan banköverföring eller betalkort
- Genomför transaktionen
💡 Dina pengar kommer att visas i fiatplånboken så snart banken bekräftat överföringen. Därefter kan du:
- Använda dem för att köpa kryptovaluta
- Växla mellan valutor
- Eller låta dem ligga kvar som en kontant reserv
Du kan också ta ut pengar från fiatplånboken till ditt bankkonto när som helst – direkt i appen.
Investing centers around making gains off of your initial capital. When determining the potential gains one could make there are a number of variables one needs to consider, such as how much capital one has put into the investment and what returns are associated with that asset class.
This led to the creation of ROI (return on investment), a measure that allows anyone to calculate the net profit or loss of an investment in percentage form.
What is return on investment?
All investments, including stocks, bonds, real estate, and small businesses, come with the goal of making more money than you put in. The money you earn over and above your initial investment is called profit. When discussing investment profitability, people often use the term ROI, meaning return on investment. This metric expresses the amount of net profit one can earn/earned as a percentage of what the initial investment was.
ROI can help you assess if buying property or investing in a business is worth it. It's also helped companies determine the value of adding new products, building more facilities, acquiring other businesses, advertising campaigns, etc.
ROI (return on investment) is the percentage of gain or loss on an investment relative to the total cost of the investment. In other terms, it's a way to compare different investments in order to figure out which ones are worth pursuing. For example, you could calculate ROI to decide whether selling one stock and buying another would be a good idea.
While there is no limit to a return on investment theoretically, in practice, no investment is guaranteed to have any return. If your ROI is negative, it means you not only failed to make a profit but also lost some of your original investment. The worst possible outcome would be -100% ROI, meaning you completely lost your initial investment. An ROI of 0% signifies that you at least recovered the money you put in, but gained nothing beyond that.
While ROI is often used as a marker of profitability, it isn't foolproof. There are several limitations to calculating ROI as your only measure which include the time frame in which you will earn back your investment, inflation rates, how risky a venture is, and additional maintenance costs that may be incurred.
Calculating ROI terminology
Before we dive in, let's first cover some basic terminology.
Net profit or net income
Net profit is the amount of money left over after all operating costs, such as the cost of transaction costs or maintenance costs, and other expenses have been accounted for and subtracted from the total revenue. It is used to measure profitability. Net profit can also be called net income, net earnings, or the bottom line.
Total cost of investment
This figure will look at the amount of money invested in a particular investment.
How to calculate ROI: the ROI formula
The ROI formula is a simple equation that looks at the price change of the asset and the net profits (the initial cost of the investment minus its value when you sell it). When calculating ROI you would use this formula:
ROI = (Net Profit / Total Cost of Investment) x 100
To factor trading costs into your ROI figure, you'll use:
ROI = ((Value of Investment - Cost of Investment – Associated Costs) / Cost of Investment) x 100
As an example, let's say you buy 5 shares of $100 each in Twitter, equating to $500. You sell them a year later for $150 each, equating to $750. Let's say you paid $5 commission on each trade, costing you $25 in trading fees.
ROI = (($750 - $500 - $25) / $500) x 100 = 45%
This means that you made a 45% return on investment on that particular investment.
How to determine a strong ROI
A "good" return on investment is any number above 0, as this means you made some profit. However, the ideal ROI should be higher than what you could've earned had you chosen another investment (the next best thing).
To compare this, investors often compare their earnings to what they could've made on the broader stock market or in a high-yield savings account. Using the S&P 500 as a control, over the past four decades it has made gains of around 7% (after inflation). An ROI is generally considered to be a strong one if it beats the stock market in the long term.
It's always important to note that past performance does not equate to future results. Another pearl of wisdom to remember is that high rewards generally come alongside high risks. If an investment promises very high ROIs, consider this also means that it comes with high risks.
Therefore, a strong ROI will vary depending on the investment's level of risk, your goals, and how much risk you're willing to take.
Where the ROI formula falls short
The main limitation of using this return on investment ROI formula as a marker of success is that it doesn't show how long it took to earn the money back. When comparing various investments, the time it takes to mature will have a significant impact on the profits you could earn.
For instance, a year loan versus a bond held for five years versus a property held for 10 years will all have varying ROIs once you've established how long it will take to earn the specified ROIs.
In this scenario, the ROI calculations mentioned above skimp on the full story. It also doesn't account for risk. For instance, the loan repayments could be delayed or the property market might be in a slump, all affecting the potential profits earnable.
With many variables, it becomes harder to predict what the exact ROI calculation on an investment will be, so be sure to factor this in when using the return on investment ROI formula to determine how attractive an investment opportunity or business venture is.
ROI alternatives
Although the return on investment doesn't consider how long you keep an asset, it's essential to compare the ROI of investments held for comparable lengths of time as a more clear performance measure. If that's not possible, there are a few other options.
Average Annual Return
Also known as annualized return on investment, this adjusts the ROI formula to factor in the timing. Here you would divide the ROI by the number of years you hold the asset.
Compound Annual Growth Rate (CAGR)
This option is more complicated but yields more accurate results as it factors in compound interest generated over time.
Internal Rate of Return (IRR)
This measure factors in the notion that profits earned earlier outway the same profits earned later, taking into account interest that could've been earned and factors like inflation. This equation is quite complicated but there are online calculators one can use.
Conclusion
A return on investment (ROI) is a formula used to calculate the net profit or loss of an investment in percentage form. The ROI calculation can present valuable information when investing capital or determining profitability ratios. The ROI equation looks at the initial value of one investment and determines the financial return. A negative ROI indicates that the investment returns were lower than the investment cost.
You've likely come across the term "token" in your crypto ventures, or heard Bitcoin and Ethereum described as a token, but what does this all mean? In this article, we're breaking down what a token is, and how to distinguish a coin from a token and how it can be used as a tool to store value.
Token Definition
A token, in the cryptocurrency sense of the world, represents a particular asset or utility. It's worth noting in this item that tokens and cryptocurrencies are terms often used interchangeably however they technically differ. Tokens typically fall into one of the following three categories:
Payment tokens
These tokens allow users to purchase goods and services outside of the blockchain, offering an alternative currency.
Security tokens
Similar to initial public offerings (IPOs) on the stock market, security tokens offer users an ownership stake or entitle the holder to dividends in a blockchain project.
Utility tokens
Utility tokens offer users access to a service within a particular ecosystem, similar to loyalty points on a Starbucks card. These points hold value within their own ecosystem but cannot be used outside of that.
Coins vs Tokens
Getting more technical, when exploring coins vs tokens, tokens are categorised as crypto assets that have been built on top of another blockchain while coins are built on their own blockchain.
Ether, for example, is the native token to the Ethereum blockchain, however, the platform allows developers to create a range of token standards on top of it. Based on this information, all ERC-20 tokens are therefore categorised as tokens as opposed to coins.
USD Coin (USDC) and Tether (USDT) are therefore tokens as they are built on top of the Ethereum blockchain. While each network is operated by its own leadership, both use Ethereum's blockchain to facilitate all transactions.
How Are Tokens Traded?
Much like coins, tokens can be bought, sold and traded on exchanges, or sent directly from one wallet to another. This is facilitated by blockchain technology, in the same way that coins are transferred from one location to another. Unlike coins, which are all fungible in nature, tokens can sometimes be non-fungible, meaning that they are not identical in value and function.
Tokens are sent using the wallet address of a recipient's blockchain-compatible wallet. The address is often represented by a barcode in the form of a QR code, or through a lengthy alphanumeric code. All transactions take place from the wallet holding the tokens and are sent directly to the wallet of the recipient without the need for a centralized authority like a bank. Tokens can typically be bought on exchanges, often with Visa or Mastercard, or exchanged between users.
How is an NFT Different from Cryptocurrency?
Non-fungible tokens (NFTs) are all different from each other as they each represent a real-world object, whether a digital piece of artwork or a bottle of fine wine. Bitcoin can be traded for anything around the world, whereas NFTs are unique in nature and while they hold value they cannot be used interchangeably.
What Are NFTs Used For?
NFTs are used to represent a particular asset, whether it be physical or digital. When minted, these tokens will permanently represent that asset and cannot be changed. For example, one NFT could represent an apartment in London while another could represent a song by Kings of Leon. The possibilities are endless, and the marketplaces are huge.
Users can easily trade NFTs on marketplaces (through a website or mobile app) such as OpenSea or Rarible. Once you own an NFT you are credited with the ownership rights of the asset the NFT represents. Due to the nature of blockchain technology, this is permanently displayed on the network's public ledger for anyone to review. This process ensures that the ownership of an NFT cannot the changed and the information is available for anyone to credit.
Note that several blockchain networks currently support the minting of NFTs, and the holder will need a wallet specific to that blockchain in order to hold the NFT.
Are Tokens Regulated?
When it comes to regulation, countries around the world are currently drawing up legal frameworks to better implement cryptocurrencies into our current financial system. This includes the likes of tokens.
Once cryptocurrencies are regulated by government authorities, they could provide the world with unrealized use cases like being used to manage a prescription at a pharmacy or clinical services or to provide feedback to IT support. While there are plenty of tokens available on the market today, it's likely that this is only the tip of the iceberg in terms of their potential to improve issues faced around the world.
You've likely come across the term "ERC-20" in your crypto endeavours, with plenty of these token standards currently ranked in the top 10 (even top 100) cryptocurrencies. But what does ERC-20 actually mean, and what is a token standard? In this piece, we're uncovering everything you need to know about these popular crypto terms.
To start things off, ERC stands for Ethereum request for comment.
What is a token standard?
Let's start at the beginning. When Ethereum was created to provide developers with a platform on which to build decentralized apps (Dapps), the team incorporated several token standards.
These token standards allow new projects to create, issue and deploy various functioning tokens on the blockchain. Each token standard is a smart contract that holds a set of particular "rules" that must be followed in order to be created.
In recent years a number of blockchain platforms that provide Dapp creation functionality have created their own token standards, however, for the sake of this article we are only looking at Ethereum.
The most popular token standards on Ethereum are the ERC-20, ERC-721, ERC-777, and ERC-1155 tokens. Each holds its own functionality and would be utilized depending on what the Dapp intends to use it for, i.e. will it be a transferable asset or be used to hold ownership rights.
What is an ERC-20 token?
By far the most popular token standard utilized on the Ethereum network, the ERC-20 token is a fungible token that can be bought, sold and traded in the blockchain ecosystem. To date over 350,000 ERC-20 tokens have been created.
Similar to the functioning of other cryptocurrencies like Bitcoin and Litecoin, ERC-20 tokens also hold value and are able to be bought and sold, however, they operate solely on the Ethereum blockchain. This means that all ERC-20 transactions conducted are executed on the Ethereum blockchain network.
The rules associated with this particular token ensure that it can function optimally on the Ethereum blockchain, and must be submitted to the community leadership for approval prior to its launch. While some rules are mandatory and others optional, the required ERC-20 rules are as follows:
- total supply: defines the total supply of the token
- balance of: indicates how many tokens are in a wallet address
- transfer To, Transfer From: must be able to be transferred from one user to another
- allowance: ensures that wallets have a sufficient amount before making a transaction
- approve: checks total supply against transactions
The optional elements are centred around the token's name, its ticker symbol and how many decimal places it would have %u200BFor instance, Ethereum's token name is Ether, its ticker symbol is ETH and it is divisible by up to 18 decimal places.
Examples of ERC-20 tokens are Augur (REP), Basic Attention Token (BAT), Maker (MKR), USD Coin (USDC) and OmiseGO (OMG).
Can you mine ERC-20 tokens?
ERC-20 tokens, unlike Ethereum and its native coins (ether), cannot be mined. That is, new tokens are 'minted' when a planned initial token offering (ICO) or security token offering (STO) event takes place. Usually, these events involve users sending ether to a smart contract address and in return receiving the newly minted ERC-20 token.
An ERC-20 token is technically a smart contract so it's possible for the developer team behind an ERC-20 token to issue new tokens at will. However, this isn't recommended because users would be less likely to trust these tokens if they could be minted at will. There must be a measure of scarcity in order for tokens to be valuable.
The pros & cons of ERC-20 tokens:
Some of the main benefits of ERC-20 tokens include:
Fungible
Fungible ERC20 tokens are interchangeable, just like cash. Although the coins are technically distinct, they function in exactly the same way. You can trade one for another and they will be functionally equivalent, just like cash or gold.
Fungible tokens are fantastic, and there's a lot of value in the technical aspect. On a technical level, it's worth noting that fungible tokens don't add extra value to goods. They're typically beneficial in a variety of commercial scenarios.
Broad adoption
The popularity of ERC-20 tokens is quite apparent in the cryptocurrency industry. The number of exchanges, wallets, and smart contracts that already support newly-launched tokens has made it easy for new projects to integrate with them. There is plenty of developer support and documentation to go around.
Flexibility
The first thing to note about ERC-20 tokens is that they are highly flexible and may be used in a variety of circumstances and applications. This is due to the fact that these tokens are very customizable. They can be used in a lot of different scenarios such as Loyalty points programs, in-game currencies, or digital collectibles such as NFT's.
Some of the main cons of ERC-20 tokens include:
Mainstream
The popularity of ERC-20 tokens is also their greatest weakness. There are so many projects using the same standard that it's difficult to stand out from the crowd without differentiating your token in some way. Moreover, since they're essentially all the same on a technical level.
Fraud and Scams
It takes minimal effort to create a simple ERC-20 token, meaning that anyone could do it for good or bad purposes. As such you want to be careful with what you're investing in when considering blockchains projects because there are some Pyramid schemes masquerading as legitimate projects out there and trying to get unsuspecting investors involved in their scams. As a result, when looking at blockchain projects, you need to be cautious with what you invest in.
Other ERC Token Standards
While there is a large range of ERC tokens available, below we've outlined the most popular ones (excluding the ERC-20 one as it is listed above).
ERC-721
This token standard is for a non-fungible token (NFT) which gained huge popularity in the last year across the gaming and digital art worlds. These tokens represent ownership of something, and cannot be used interchangeably.
ERC-777
An evolution of the ERC-20 token, the ERC-777 provides more usability, particularly pertaining to its ability to mint or burn tokens. It also holds improved transaction privacy and an emergency recovery function.
ERC-1155
This token standard allows for the creation of both utility tokens and non-fungible tokens. Making trading more efficient, the token standard allows for bundling of transactions which in turn saves costs.
Learn more about cryptocurrencies and blockchain
You can learn more about crypto basics from our specially created Learn centre, which covers everything a trader ought to know about cryptocurrencies and the blockchain industry.
En tillgång kan beskrivas som en resurs eller egendom som förväntas ge framtida ekonomiska fördelar för den individ, det företag eller det land som äger den. Tillgångar har länge varit en självklar del av företagens balansräkningar, men idag är begreppet ännu bredare och används flitigt inom hela finanssektorn.
Från finansiella tillgångar till tillgångar som skapar framtida ekonomiskt värde — här går vi igenom allt du behöver veta om tillgångar.
Vad betyder "tillgång"?
En tillgång är något som har ett ekonomiskt värde och som ägs av en individ, ett företag eller ett land, med förväntningen att den kommer ge ekonomiska fördelar framöver. Tillgångar kan användas för att upprätthålla likviditet eller säljas för att skapa vinst.
Dessa tillgångar värderas vanligtvis i pengar för att kunna bedöma hur snabbt de kan omvandlas till kontanter, eller hur stor potentiell vinst de kan ge.
Tillgångar som ägs av en privatperson kallas personliga tillgångar, medan tillgångar som ägs av företag kallas affärstillgångar.
Tillgångar används för att öka nettotillgångar, höja företagsvärde och stärka den ekonomiska stabiliteten. Tillgångar kan vara både fysiska och immateriella, som till exempel guld eller Bitcoin. Både privatpersoner och företag använder tillgångar som bevis på ekonomisk hälsa och stabilitet, eller som säkerhet vid lån.
Företag beräknar ofta sina framgångsmöjligheter genom att dra av skulder från sitt totala tillgångsvärde.
En tillgång kan alltså ses som en resurs som potentiellt kan generera framtida kassaflöde, oavsett om det gäller en produktionsutrustning eller ett patent.
Tillgångar kan delas in i flera olika kategorier: omsättningstillgångar, anläggningstillgångar, materiella och immateriella tillgångar, driftstillgångar och icke-driftstillgångar.
Hur fungerar tillgångar?
Privatpersoner, företag och även stater samlar på sig tillgångar i hopp om att dessa ska ge ekonomisk nytta på kort eller lång sikt. Men det finns inga garantier — tillgångar kan både öka och minska i värde, och vinsten realiseras först vid en försäljning.
Värdeförändringar påverkar försäljningsvärdet och därmed den ekonomiska stabiliteten för personen, företaget eller landet.
Att vara solvent innebär att man har tillräckligt med tillgångar för att täcka sina skulder. Företag använder därför sina balansräkningar, där tillgångar, skulder och eget kapital redovisas, för att bedöma sin ekonomiska hälsa.
Men innan vi fördjupar oss ytterligare i ämnet, låt oss gå igenom de vanligaste typerna av tillgångar.
Typer av tillgångar
Det finns sex huvudsakliga typer av tillgångar, som i sin tur delas in i olika kategorier. Eftersom definitionen av en tillgång är bred, kan en och samma tillgång passa in i flera kategorier samtidigt. Här är de vanligaste typerna:
Omsättningstillgångar (affärstillgångar)
Omsättningstillgångar kan snabbt omvandlas till kontanter och används ofta för att betala räkningar eller skulder. Exempel inkluderar kontanter och kontantekvivalenter, kundfordringar, lager eller förutbetalda kostnader.
Anläggningstillgångar
Även kallade långfristiga tillgångar, är dessa avsedda för långvarigt bruk (vanligtvis över 12 månader) och är inte tänkta att snabbt omvandlas till kontanter. Exempel är mark, byggnader eller maskinutrustning.
Materiella tillgångar
Materiella tillgångar är fysiska tillgångar som du kan se och ta på. Exempel är kontanter, lager, byggnader, aktier, maskiner och möbler.
Immateriella tillgångar
Immateriella tillgångar saknar fysisk form och kan varken ses eller röras. Exempel är immateriella rättigheter, patent, kryptovalutor, licenser, bidrag och hemliga formler.
Driftstillgångar
Tillgångar som används i ett företags dagliga verksamhet för att skapa intäkter. Exempel inkluderar lager, patent, utrustning, hemliga formler och licenser.
Icke-driftstillgångar
Tillgångar som inte används direkt i verksamheten, men som ändå kan ge framtida vinst. Exempel är obebyggd mark, marknadsnoterade värdepapper, kortfristiga investeringar och långfristiga investeringar.
Definitionen av en tillgång
Som vi redan har sett är definitionen av en tillgång mycket bred, och även när vi delar in dem i kategorier fångar det inte hela bilden.
Ett patent räknas till exempel som en immateriell tillgång, men för vissa företag är det även en avgörande driftstillgång. Bitcoin är ett annat exempel — det är en immateriell tillgång som lagras digitalt, men kan också räknas som en omsättningstillgång eller till och med som en likvid tillgång.
Lager är en omsättningstillgång, materiell tillgång och driftstillgång — allt på en gång. Detta visar tydligt att tillgångar inte alltid följer en enkel definition, utan det beror på hur tillgången används.
Viktigt att komma ihåg är dock att: materiella tillgångar kan inte vara immateriella, omsättningstillgångar kan inte vara anläggningstillgångar och driftstillgångar är inte detsamma som icke-driftstillgångar. Det finns vissa undantag, men det är bra att hålla dessa grundprinciper i minnet.
Tillgångar kontra skulder
Oavsett om du räknar ut en entreprenörs förmögenhet eller ett företags värde, spelar skulder en avgörande roll i bedömningen av ekonomisk stabilitet.
Genom att dra av skulder från tillgångar får du fram eget kapital, även kallat nettotillgångar eller fondbalans.
För att räkna ut ett företags fondbalans granskar man deras balansräkning. Om företaget är börsnoterat är de dessutom skyldiga att redovisa detta i sina årsrapporter.
Kort och gott: Tillgångar - Skulder = Eget kapital.
Förstå tillgångar och deras ekonomiska värde
Definitionen av en tillgång är nästan obegränsad — till och med det safirhalsband du ärvt från din mormor räknas som en tillgång! Värdet kan realiseras direkt, eller så kan du välja att vänta på ett tillfälle när värdet ökar, till exempel vid brist på safirer.
Tillgångar spelar olika roller i privata och professionella sammanhang, men vi hoppas att den här guiden har gett dig en tydligare bild av skillnaderna och likheterna.
Sammanfattningsvis är en tillgång en resurs som en person, ett företag eller en stat kan förvänta sig genererar kassaflöde. Oavsett om det är en anläggningstillgång eller en omsättningstillgång är målet med att äga tillgångar att de på sikt ska skapa värde.
Guld, Bitcoin, fastigheter, bilar, hemliga formler och patent — alla är tillgångar eftersom de potentiellt kan omsättas i pengar.
Nu när du har fått bättre koll på vad tillgångar är och hur de fungerar, se till att göra din egen research och hitta de tillgångar som passar just dina mål och preferenser!
In this article, we’re exploring the most recent addition to the list of supported cryptocurrencies on the Tap App, one of the highly esteemed top 20 cryptocurrencies based on market cap, Algorand (ALGO).
What is Algorand (ALGO)?
Algorand is a decentralized blockchain platform that supports the development of a wide range of dapps (decentralized applications). The platform has been used to create dapps across industries like real estate, copyright, microfinance and more. Launching the same month as its ICO, the Algorand mainnet officially went live in June 2019.
The Pure-Proof-of-Stake (PPoS) network was created to improve efficiency and transaction times within the crypto space, as well as reduce transaction costs. With no mining (due to the PPoS consensus), Algorand represents a more sustainable and energy-reserving contribution to the space.
A unique aspect of the platform is that as new ALGO enter circulation with the creation of each new block, the newly minted coins are distributed to everyone who holds a certain amount of ALGO in their wallets.
While the project is relatively new, it has received the backing of big names and has seen impressive company interest. In June 2021, Arrington Capital bet $100 million on the platform after launching a fund supporting initiatives building on Algorand, while fintech infrastructure provider Six Clovers launched a cross-border payment system on the platform.
The platform was also selected to host the Marshall Islands CBDC.
Who created Algorand?
The blockchain platform was created by Silvio Micali, a highly regarded contributor to the crypto space and recipient of the 2012 Turing Award. The MIT computer science professor was recognised for his fundamental contributions to “the theory and practice of secure two-party computation, electronic cash, cryptocurrencies and blockchain protocols.”
The Algorand whitepaper was co-authored by Stony Brook University professor Jing Chen.
When first conceptualised in 2017, Micali wanted to create a platform that not only provided digital transactions but also tracked assets like titles and property. The platform also allows for the creation of smart contracts (decentralized digital agreements) and tokens.
How does Algorand work?
The Algorand platform is divided into two layers: layer 1, responsible for ensuring the network’s security and compatibility, and layer 2, responsible for more complex developments.
Layer 1 supports asset creation, smart contracts, and atomic swaps between assets while layer 2 is reserved for more compound smart contracts and dApp development. These two layers allow the network to process transactions more efficiently, with simple transactions taking place on layer 1, while more complex smart contracts are executed off-chain.
Through the pure proof of work consensus, the two-phase block production is conducted through a propose and vote system where users who stake ALGO are randomly selected to validate and approve each block as it is created. Stakers only need to hold 1 ALGO in order to generate a participation key necessary to become a Participation Node.
These nodes are coordinated by Relay Nodes which are not actively involved in the verification process but are responsible for facilitating communication among the Participation Nodes.
The more of the native cryptocurrency a user holds, the more likely they are to be selected. This consensus ensures that the platform is secure, decentralized and able to process transactions in seconds as opposed to minutes (as on other networks).
Algorand is able to process over 1,000 transactions per second (TPS) and validate transactions in less than five seconds.
What is ALGO?
ALGO is the native token to the Algorand platform. As the newly minted coins are distributed to all users holding ALGO (whether on an exchange or in a non-custodial wallet) and not just the nodes verifying transactions, holders of the token are able to earn a 7.5% annual percentage yield (APY).
A total of 10 billion tokens were minted, with roughly 6.8 billion in circulation at the time of writing. These tokens are gradually entered into circulation through predetermined distribution channels. The token distribution for ALGO is as follows:
- 3.0 billion. To be injected into circulation over the first 5 years, at first via auction.
- 1.75 billion. Allocated to participation rewards.
- 2.5 billion. Allocated to relay node runners.
- 2.5 billion. Allocated to the Singapore-based Algorand Foundation & Algorand, Inc.
- 0.25 billion. Allocated to end-user grants.
How Can I Buy ALGO?
If you’re interested in accumulating this leading blockchain token, you can do so effortlessly through the Tap app. As part of a new string of supported tokens, Tap users will now be able to buy, sell, trade and store the cryptocurrency that everyone is talking about.