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AMA With Max Property Group’s Head of Development

AMA With Max Property Group’s Head of DevelopmentErwin Van Kekem conducted an Ask Me Anything (AMA) session, hosted by Dutch Crypto Chat, in cooperation with LekkerCryptischNOTE: Answers have been slightly amended/corrected from the original to make the answers more correct and/or complete. Originally posted on Dutch Crypto Chat, edited by Max Property GroupQ: Welcome @erwinvankekem! Tell me who you are and what you do at MPG! And explain the problem which MPG tackles!A: My name is Erwin van Kekem. I have been working in IT for over 25 years and since September last year I have been closely involved with Dominium. From January 1 this year in the role of CTO of Max Property Group, among others responsible for the development of the Max Crowdfund platform.Q: @erwinvankekem Is the low volume on the Exchanges not a problem for you at the moment?A: No. We do not believe in wash trades and fake trades. The volumes you see for MPG are real and we would like this so stay like this. Obviously a higher volume and rate would indeed be good for our users.Q: @erwinvankekem When do you determine that your project has become successful?A: If I understand your question correctly: Once we are fully licensed by the AFM and are placing third parties investments and our secondary market for security tokens is live.Q: In the real estate world, it is a well-known phenomenon that the one with the largest wallet determines the market, as it actually happens everywhere. How do you ensure that everyone gets a chance with your investment and not all the “big boys”?A: For now we will ensure that the projects are filled on a first come first served basis. In the future we can set limits on how much one person can invest to ensure a large wallet is irrelevant.Q: MPG has a lot of experience in real estate (funds) and will now use blockchain (smart). You are very new to the blockchain world compared to many projects. Where did you get the expertise to be able to develop quickly enough? Do you think the blockchain knowledge (at Ardor I understood) is enough to make this real estate plan flourish or is this still a test run for example?A: Support for Jelurida on the one hand and supplemented by external consultants on the other. Ardor offers a powerful, out-of-the-box solution that makes the platform possible through API integration.Q: Why did you actually opt for the not entirely known Ardor chain? Can you describe that?A: See previous answer. Precisely because of powerful functionality such as account control and phased transactions makes compliant development out of the box relatively easy.Q: @erwinvankekem what was your biggest mistake developing this project? How are you going to make up for it?A: Timing of the ITO was extremely unfortunate afterwards, as the market was terrible on the 15th of August 2018. We have since moved to a more traditional method of fundraising through equity, but we still have more phases of the ITO available too.Q: @erwinvankekem are or are debts sold by MPG freely tradable on a secondary market? — If not; why is blockchain technology needed?A: Eventually this will be possible, but regulatory restrictions in local markets apply. In NL, for example, it is not allowed without the correct license. Ultimately, we want to obtain the required license and open Max Crowdfund for trading. Until then, we will unfortunately have to limit trading.Q: Why higher price that you have to pay if you buy mpg on platform instead of exchanges? $ 0.012 on exchanges vs € 0.25 on platform according to wp. That is an extreme difference.A: We could of course offer MPG tokens at market rates via the platform. However, we have promised the market that we will not do that and we stick to our agreements.Q: @Gudo_MPG Maybe a question for Edwin and the question is still a bit sensitive but ask m: blush :: After an ITO where unfortunately too little money was raised to implement the plans that MPG had in mind, MPG was forced to do more Bring $ MPG into circulation then provided (in proportion to $ MPG sold). This puts enormous pressure on the value. How does MPG intend to regain the damaged confidence of investors?A: The Airdrop & Bounty Program & Referral tokens would always be used for marketing purposes, but we have determined that this has a negative impact on the value and volumes on exchanges. We are considering completely stopping bringing more MPG tokens into circulation and considering a burn program. Details are discussed with the board in 2 weeks.Q: @erwinvankekem what about the investors? a target price for the token?A: The price is determined by the market. Our goal is obvious that the price must rise. If we go live with initial applications and receive (much) more transactions and therefore start burning tokens, the demand increases and so is the rate.Q: @erwinvankekem what exactly is the function of MPG now?A: The function of the MPG token is to register transactions on the MPG blockchain, which is done through the Max Crowdfund platform. Therefore it is a utility token. Compare it with a prepaid tel, you cannot make calls without credits. On Max Crowdfund you cannot make transactions without MPG tokens.Q: I saw an update on telegram that spoke about improving safety. What did this update consist of, was there a major security bug?A: It was possibly to do with a bypass of Cloudflare security. This route has now been cut of. Additional measures have also been implemented through brute force and DDOS attacks.Q: @erwinvankekem With the MPG token you can buy security assets (real estate) can you also trade these security assets against other assets? Or am I wrong.A: You (currently) cannot invest in Assets using the MPG token. It is possible that this will be an option in the future, but this will always depend on the person behind the Asset. If they are willing to accept MPG they can select that option. It is possible to trade Assets for Assets, but we will not allow this in the beginning.Q: I see that the MPG token is used for different things but if I understand correctly there is no option to invest 100% with for example the MPG coin or btc? Why not? @erwinvankekemA: At this stage this is not permitted by regulations. We could accept BTC and convert it immediately to Euros or GBP via Bitstamp, but you can do this yourself too. The problem to overcome from a regulatory perspective is proof of funds.Q: @erwinvankekem How big is your lawyer team? I assume this must be a strong team with a lot of experience. Is this well covered for you?A: We now use multiple advisory parties with even larger support that can be called in when needed.Q: @erwinvankekem What I wonder are you actually buying the real estate with crypto as a payment method or does it have to be converted into cash?A: We only buy real estate with fiat currencies, as the Financial Authorities (AFM) does not allow the use of crypto currencies, or at least not when the origin of money cannot be determined unambiguously.Q: Bank account verification seems pretty easy to me, I see that you also have crypto account verification. Why ? How ? And what about staying anonymous? @erwinvankekemA: The simple answer here is the fact that you always need to identify the person who is investing in a financial instrument. As such you have to pass KYC. If you want to stay anonymous you will have to trade in tokens only.Q: @erwinvankekem Which bank are you at? Isn’t it a problem that you are a crypto company? How did you approach this? I know this can be a problemA: We are first and foremost a real estate company. The future ESCROW foundation is banking with Bunq. MPG itself and the funds have accounts with various banks.Q: @erwinvankekem Why will MPG tokens not fall under the supervision of the AFM? Is this not seen as security?A: Because MPG is a utility token, it is not supervised. That is different if you are going to issue STOs. All the Assets on our blockchain will be security tokens and as such will have to fall within the established guidelines for securities.Q: @erwinvankekem Does Jelurida blockchain provide experts for you or are all experts who develop hired external consultants who use Jelurida for you? How can you convince me that you can develop fast enough as needed in the blockchain world?A: Jelurida is developing the blockchain as a service platform that we use. We have a dedicated point of contact for support. The MPG blockchain is therefore maintained by Jelurida and they are known and proven blockchain developers.Q: @erwinvankekem As you have already acknowledged yourself (your MPG channel) you are entering into a partnership with “AgentMile”. Strong together and I think we all welcome that. Can you tell more about the collaboration with “AgentMile”. In which area of your business do you work together?A: AgentMile is going to promote MPG to their members, as these are “property” affine. MPG examines which other synergies there are, but for the moment that is all.Q: @erwinvankekem suppose I want to raise money via MPG for a real estate project by issuing debt securities (?). Do I have to have a business form + prospectus?A: Yes, it will only be possible for companies to raise money. Depending on how much you want to collect, an exemption from AFM prospectus approval is possible, but an Information Document is always required. There are various exemption rules for fundraising without a prospectus.Q: @erwinvankekem When I buy security assets with MPG tokens. Can I also download all forms here? And if I then sell these assets to someone else, for example. Do I have to add the forms?A: You cannot buy Assets with MPG tokens. They are only to pay for the transaction fees on the Max Crowdfund platform. If you want to invest in a security token, you can download all relevant documentation if you wish. You could sell these to someone else once we open up the secondary market, but for this we require an AFM license.Q: @erwinvankekem, is a rise in the rate a goal in itself?A: Yes and especially for our users. The aim is to go to EUR 0.25 so that we can resume sales via the platform.Q: @erwinvankekem are you aware that such statements about price movements (including a promise of profit) are not allowed?A: I only express the hope that the rate will rise, we do not make forward looking statements and do not give any financial advice to anyone. We have in any case committed not to sell below EUR 0.25. We have no influence on this, it is up to the market.Q: @erwinvankekem Do you see yourself more as a blockchain company or as an investment company?A: We are a real estate company / investment platform on the blockchain. We rent out and manage a lot of real estate within the group and though our various funds. By optimizing these activities, we will soon be able to reach a large audience at low costs. In due time real estate brokers and the associated costs could become unnecessary.Q: @erwinvankekem If I invest on the platform and I buy in a particle from a certain property, what does that mean for my tax return?A: Your income in the Netherlands will fall within the capital gains tax (box 3). This may of course be different in other jurisdictions.Q: @erwinvankekem, are you striving to become part of an eco-system? Nxchange also has a vision about real estate, do you know it and if so do you share that vision?A: Yes, that is, we work together in a working group with FIBREE and various small and large parties in the market to arrive at standards for real estate on blockchain. Of course these must then also be implemented on our platform.Q: @erwinvankekem How is the value of the Security assets calculated? And how does it get its value? Is this fixed to the company? Or is this purely supply and demand?A: Bonds are issued, these are € 1,000 per bond and with this a real estate portfolio is purchased. Every 3 years a valuation is done on the entire portfolio and that reflects the value. (with MPG 1, profit sharing is 50% after 10-year term, with MPD and MPGUK it is 30%).Q: @erwinvankekem are the transaction fees paid in MPG a service fee for MPG or are they only used to pay gas fees on the ardor chain?A: MPG transaction costs are a service fee for the MPG blockchain.Q: @erwinvankekem When I look at the real estate prices, it looks like the market is going well. What is your plan if the market collapses? We all know the stories of realtors who had to close their doors during the previous crisis.A: Our philosophy is buy, renovate and rent out. Even if the market price falls, rental income remains stable (increases with indexing). Worst case, in consultation with investors, the term of a fund could be extended to wait for a more favourable moment for sale (and profit sharing!).Q: @erwinvankekem, do you have to state the value of the tokens to the tax authorities? And if so do you generate a ready-made printout? And is this coordinated with the inspector?A: This is everyone’s own responsibility / Formally, you must include the value in your tax return on 1 JanuaryQ: @erwinvankekem Do you have experience building a crypto community? What do you encounter?A: In the meantime we have gained a lot of experience in building our crypto community and we have learned that they are a fickle bunch. We, as real estate people, believe in long term gains and the crypto community is expecting quicker returns. What our goal (and challenge) is, is to build a “bridge” between the crypto community and the traditional (real estate) investor.Q: @erwinvankekem has your project been feasible without a blockchain?A: Basically yes. There are enough “traditional” platforms. However, this does not achieve the transparency in the real estate market that we are aiming for.Q: @erwinvankekem Can we expect new ones in addition to the current use cases?A: Yes, in principle everything about real estate can be brought to blockchain. Think of sales / rental processes, but also management, management, maintenance and so on. It is precisely then that the transparency that we aim for is achieved and this is what we achieve to build.Q: @erwinvankekem, in terms of valuation, do you assume market value, book value or appraisal value?A: Appraisal value; as stated in the information document periodically re-determined (MPG funds: 3 years each).Q: @erwinvankekem if I participate in a real estate project. What exactly is in my possession? Do I have legally valid debt security in my hands?A: That will be expressed clearly and transparently in due course. Yes, you have a legally valid loan, bond or share.Q: @erwinvankekem do you expect that the benefits of transparency of the blockchain that you find so important (among other things to prevent fraudulent investors) will decrease by lowering the entry threshold to invest in real estate? If not why not? So many more transactions are added to check?A: Every person who wants to invest in the funds must go through the KYC process (both with forms and on the platform), so the check is a one-off. Over the years we have received the feedback that many people want to invest in real estate funds. There were / are 2 large thresholds here. Joining a fund often starts at 10–25K and the duration is fixed 10 years. So by making this easily accessible (from 1k) and offering an exit strategy, our project is unique.Q: @erwinvankekem Yes, that certainly makes you unique, but I read in an interview that you want to lower the threshold to 0.1K in the future. Hence the question because you then take on many small savers. Or is that information incorrect and the threshold remains 1K?A: There is a limit to what the minimum can be in terms of efficiency. I also think that we should not seduce people with limited savings with a higher return. My personal estimate is that EUR 500 should be pretty much the minimum. At a later point in time this could perhaps fall even further and this depends on how much we can automate. That will prove in due course. In comparison with the current real estate world, a minimum of EUR 10 or even EUR 25K EUR more commonQ: @erwinvankekem is there a transfer tax on buying or selling?A: Not for a loan, bond or share (security tokens). Transfer tax does apply to buying and selling real estate and this will be included in the costs of a project in which you invest / participate. Common rules apply.Q: @Gudo_MPG Which media channels are / have been tapped to gain more recognition, and does MPG use marketing agencies for this?A: We use the standard social channels and the BDM team to gain more recognition. We also do this through partnerships (eg NL crypto channels). We do not use marketing agencies for this as we do this inhouse. In the near future we will also focus more on E-Mail marketing.Q: @erwinvankekem Investing always involves risks. How do you limit this as much as possible for the token holders? For example, do they have the first mortgage right?A: This will be indicated per project. (First) mortgage law will indeed be the most used security for investors. Other forms of collateral may also apply additionally or instead. We logically strive for the lowest possible risk for investors.Q: @erwinvankekem The wp states that if tokens become small, a share may be switched. This is of course very distant future, given the high supply. 2 questions: 1 In your wildest dreams by which year do you consider this to be possible 2 how could you realize this.A: We have indeed reserved the option. I don’t see this happening yet.Q: @erwinvankekem I see that you are asking online for support from the community to come up with Binance. But isn’t this just a matter of paying and you come to binance?A: An exchange like Binance looks at more criteria than “pay money”, so they also look at the community, activity, etc. I would add that there are indeed exchanges where you can pay and you are listed.Q: @erwinvankekem to be honest it remains a mystery to me what the added value of a token is. Capturing an offer on a block chain will be interesting, although I personally do not see the need for that, but that is fine without an own token. Could you explain why we (or they) need MPG?A: The added value is having your own blockchain for real estate related transactions only. The MPG token is linked to having a child chain on Ardor. You need MPG tokens to write transactions to the blockchain.Q: @erwinvankekem do you also do equity tokens or just debt? Debt is a right to debt payment. Can I really become a shareholder in the underlying real estate?A: We currently have no equity token fund, we do not exclude this in the future. If there is an equity token for the real estate then you would be a shareholder.Q: @erwinvankekem The legal conditions state that MPG also performs an investigation after receiving AML and KYC documentation. You can still be refused to register. What exactly does this investigation entail, what are the grounds for refusal.A: People passing KYC on Max Crowdfund will also be checked against PEP and sanction lists and if you are on there it can be a reason for rejection. Attempted fraud by forging your ID document and / or proof of address and / or selfie idem. As a rule, you are simply accepted if you follow a process and have a bank account with an EU bank in your name.Q: @erwinvankekem what is your plan with the MPG obtained from fees? Immediately re-entering the market ensures a very fast turnover rate which depresses the value. Do you have a plan for this?A: MPG obtained from platform and bundler fees are burned periodically. The revenue model for the Max Crowdfund platform is in EUR fees that are partly provided by the investor and the borrower. All MPG transaction fees will be burned. An update of the rate pages will follow shortly, which will hopefully helpQ: @erwinvankekem Which countries are on the restriction list?A: These are the countries that have been placed on international sanction lists. Think North Korea, Yemen etc.Q: @erwinvankekem I think it’s a pretty untenable situation if your platform and users depend on a specific course of your token? You are talking about resuming the sale if the token is 0.25?A: This is exactly why we have established all the fees on the platform in Euros. This way there is no dependence on the rate of the MPG token. If people want to buy the MPG token directly on the platform, it will cost € 0.25. Many real estate investors will take this option and not go on an exchange to buy them there, as they will not know how it works. The tokens obtained from the transactions are burned.Q: @erwinvankekem It seems that you want to offer something that does not fit within the framework of the law and therefore seek refuge in the unregulated world of the blockchain. It remains a mystery to me that an MPG token would be needed. To put that into a question — why not integrate an existing chain to achieve your goal?A: It is actually the other way around. Most existing solutions are at odds with how legislation and regulations deal with this. Free, anonymous trading to name a few is a thorn in the eyes of regulators. Anonymity and the inability to trace the origin of funds is another. To be compliant with legislation and regulations, we do things differently from existing platforms. Ardor connects better than many of the existing solutions, because they have built in functionalities that we require, where other solution would require a lot of customization.Q: What is the interest of other real estate companies? It is nevertheless true that the system can also be used by third parties?A: There is certainly interest. Many real estate initiatives are struggling with financing. Unfortunately, we cannot help them until we have the required licence from the AFM.Q: @erwinvankekem One of the major challenges for projects based on / built on the blockchain is how to make this available to common people, and perhaps to the masses in such a way that they do not have to realize that the project is built on blockchain? This is possible, for example, through apps in which you can purchase MPG products. Are such apps part of the roadmap? If not, perhaps something to consider?A: We are fully aware that the gap between the “normal” world and the “crypto” world is big and the platform would work best if people do not realise they are using blockchain technology. This is exactly how we are building the platform. An app is definitely on the roadmap, as are many other interesting functionalities. Thanks for the tip either way!AMA With Max Property Group’s Head of Development was originally published in MaxPropertyGroup on Medium, where people are continuing the conversation by highlighting and responding to this story.

June 4, 2019, 8:07 a.m.
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AMA With Max Property Group’s Head of Development

AMA With Max Property Group’s Head of DevelopmentErwin Van Kekem conducted an Ask Me Anything (AMA) session, hosted by Dutch Crypto Chat, in cooperation with LekkerCryptischOriginally posted on Dutch Crypto Chat, edited by Max Property GroupQ: Welcome @erwinvankekem! Tell me who you are and what you do at Max Property Group, and explain the problem that MPG tackles.A: My name is Erwin van Kekem. I have been working in the IT sector for over 25 years and, since September last year, I have been closely involved with the Max Crowdfund project. From the 1st of January this year, I have held the role of CTO of Max Property Group, and I now lead the development team working on the Max Crowdfund platform.Q: @erwinvankekem Is the low volume on the exchanges not a problem for you at the moment?A: No, MPG is a utility token and not a security token. A higher volume and rate would indeed be good for our users but, ultimately, the coin has a real world use not just a trading value.Q: @erwinvankekem When do you determine that your project has become successful?A: If I understand your question correctly: when we have license / exemption from the AFM and go live with the first real estate projects.Q: In the real estate world, it is an industry phenomenon that the big players with the most money determine the market. How do you ensure that everyone gets a chance to enter the sector with your investments, and not just the “big boys”?A: The Max Crowdfund platform is designed to be inclusive, allowing property investment from just €1000. The real estate investment opportunities (currently property funds) are filled on a first come first served basis, and not by who has the most money. We are democratising property investment in the most fair and transparent way that we can think of.Q: MPG has a lot of experience with real estate (funds) and will now use blockchain (smart). You are relatively new to the blockchain world compared to many projects. Where did you get the expertise to be able to develop quickly enough? Do you think the blockchain knowledge (at Ardor I understand) is enough to make this real estate plan flourish or is this still a test run?A: Jelurida is one of the earliest players in the blockchain world, and we have received incredible support from them. We also have some of the leading blockchain specialists consulting for us. Finally, Ardor offers a powerful, out-of-the-box solution that makes the platform possible through API integration.Q: Why did you actually opt for the not entirely known Ardor chain? Can you describe that?A: See previous answer! Precisely because of powerful functionality such as account control and phased transactions, compliant development makes out of the box relatively easy. Ardor is one of the most promising blockchain technologies which overcomes typical issues such as blockchain bloat, it really doesn’t receive enough credit.Q: @erwinvankekem what was your biggest mistake developing this project? How are you going to make up for it?A: The timing of our ICO was unfortunate in hindsight, we just missed the boat! We raised quite a lot of funds via the ICO but not nearly as much as we could have if we had launched it 6 or 12 months previously. We are making up for it by holding a private equity round, and actually it worked out well. The traditional business route suits our brand better.Q: @erwinvankekem are the debts sold by MPG freely tradable on a secondary market? — If not; why is blockchain technology needed?A: Eventually they will be, but we are limited by local regulations. In the Netherlands, for example, trading of securities is not allowed without the correct permit. We are currently waiting for the licences to be granted. The blockchain element is not there to circumvent regulation. On the contrary, we have included it to increase transparency, to ensure that all transactions are irrefutably recorded.Q: Why is MPG available at a much higher price on your platform than on exchanges?A: We could offer tokens at market rates via the platform but we have promised our users and the general public that we will not do that. Eventually, the token value should reach that of the utility price listed on the platform.Q: @erwinvankekem what exactly is the function of MPG now?A: The function of the MPG token is to perform transactions on the Max Crowdfund platform (therefore it is utility token). To give an example, you could compare it with a prepaid telephone card; you cannot make calls without credits, you cannot make transactions without MPG tokens.Q: I saw an update on telegram that spoke about improving safety. What did this update consist of, was there a major security bug?A: It was possible to do a bypass of Cloud flare security. This route has now been cut off. Additional measures have also been implemented through brute force and DDOS attacksQ: @erwinvankekem With the MPG token you can buy real estate security assets. Can you also trade these security assets against other assets? Or am I wrong?A: MPG token is not meant to buy assets. In that case, regulation is only possible with fiat currencies such as EUR. MPG is a utility token with which transaction costs are paid.Q: I see that the MPG token is used for different things but if I understand correctly there is no option to invest 100% with for example the MPG coin or btc? Why not? @erwinvankekemA: As mentioned above, this is not permitted by local security regulationsQ: @erwinvankekem How big is your lawyer team? I assume this must be a strong team with a lot of experience. Is this well covered for you?A: Our legal department is essential regulatory compliance is central to the platform. We now use multiple advisory parties with even larger support that can be called in when needed.Q: @erwinvankekem I wonder… Are you actually buying the real estate with crypto as a payment method or does it have to be converted into cash?A: Unfortunately, the AFM does not allow this.Q: Bank account verification seems pretty easy to me, I see that you also have crypto account verification. Why ? How ? And what about staying anonymous? @erwinvankekemA: Here too, regulations play a role. We are not a cryptocurrency site, that supports anonymity, we are a legitimate property investment platform leveraging blockchain technology to the benefit of the legally compliant real estate investment industry.Q: @erwinvankekem Which bank are you at? Isn’t it a problem that you are a crypto company? How did you approach this? I know this can be a problemA: We are first and foremost a real estate company, or a technology developer, we are not a crypto company. The future ESCROW foundation will be banking with Bunq. MPG itself and the funds have accounts with various banks.Q: @erwinvankekem Why will MPG tokens not fall under the supervision of the AFM? Is this not seen as security?A: Because MPG is a utility token, it is not supervised. That is different if you are going to issue STOs, which will fall under the supervision of the AFM.Q: @erwinvankekem Does Jelurida blockchain provide experts for you or are all experts who develop hired external consultants who use Jelurida for you? How can you convince me that you can develop fast enough as needed in the blockchain world?A: Jelurida is a leader in the blockchain as a service industry. We have a dedicated point of contact for support.Q: @erwinvankekem suppose I want to raise money via MPG for a real estate project by issuing debt securities (?). Do I have to have a business form + prospectus?A: Yes, it will only be possible for companies to raise money. Depending on how much you want to collect, an exemption / obligation to information document applies. A prospectus is required above 5 million.Q: @erwinvankekem When I buy security assets with MPG tokens. Can I also download all forms here? And if I then sell these assets to someone else, for example. Do I have to add the forms?A: All relevant documentation can be downloaded if you wish. These cannot be transferred off-platform to somebody else.Q: @erwinvankekem, is a rise in the rate a goal in itself?A: It would be nice but we cannot control that. The hope is to go to EUR 0.25 so that we can resume sales via the platform.Q: @erwinvankekem are you aware that such statements about price movements (including a promise of profit) are not allowed?A: I only express the hope that the rate will rise. We have in any case committed not to sell below EUR 0.25. We have no influence on this, it is up to the market.Q: @erwinvankekem Do you see yourself more as a blockchain company or as an investment company?A: MPG is a group of companies consisting of everything from property rentals to software development. I personally work on Max Crowdfund which is a property investment platform which uses blockchain technology to global benefit.Q: @erwinvankekem If I invest on the platform and I buy in a particle from a certain property, what does that mean for my tax return?A: Is subject to capital gains tax (box 3).Q: @erwinvankekem, are you striving to become part of an eco system? Nxchange also has a vision about real estate, do you know it and if so do you share that vision?A: Yes, that is, we work together in a working group with FIBREE and various small and large parties in the market to arrive at standards for real estate on blockchain. Of course these must then also be implemented on our platform.Q: @erwinvankekem How is the value of the Security assets calculated? And how does it get its value? Is this fixed to the company? Or is this purely supply and demand?A: Bonds are issued, these are € 1,000 per bond and with this a real estate portfolio is purchased. Every 2 years a valuation is done on the entire portfolio and that reflects the value. (with MPG 1, profit sharing is 50% after 10-year term, with MPD and MPGUK it is 30%).Q: @erwinvankekem are the transaction fees paid in MPG a service fee for MPG or are they only used to pay gas fees on the ardor chain?A: MPG transaction costs are a service fee for MPG.Q: @erwinvankekem When I look at the real estate prices, it looks like the market is going well. What is your plan if the market collapses? We all know the stories of realtors who had to close their doors during the previous crisis.A: We have rented out a high percentage of the properties. Even if the market price falls, rental income generally remains stable (increase with indexing). In the worst case scenario, in consultation with investors, we could extend the term to wait for a more favourable moment for sale (and profit sharing).Q: @erwinvankekem, do you have to state the value of the tokens to the tax authorities? And if so, do you generate a ready-made printout? And is this coordinated with the inspector?A: This is everyone’s own responsibility. Formally, you must include the value in your tax return on 1 January.Q: @erwinvankekem Do you have experience building a crypto community? What do you encounter?A: In the meantime we have gained a lot of experience in building our crypto community. What our goal (and challenge) is to build a “bridge” between the crypto community and the traditional (real estate) investor.Q: @erwinvankekem has your project been feasible without a blockchain?A: Basically yes. There are enough “traditional” platforms. This does not achieve the transparency in the real estate market that we are aiming for, and we consider that to major advantage.Q: @erwinvankekem Can we expect new ones in addition to the current use cases?A: Yes, in principle everything about real estate can be brought to blockchain. Think of sales / rental processes, but also management, maintenance and so on. It is precisely then that the transparency that we aim for is achieved.Q: @erwinvankekem, in terms of valuation, do you assume market value, book value or appraisal value?A: Appraisal value; as stated in the information document periodically re-determined (MPG funds: 2 years each).Q: @erwinvankekem if I participate in a real estate project. What exactly is in my possession? Do I have legally valid debt security in my hands?A: That will be expressed clearly and transparently in due course. Yes, you have a legally valid loan, bond or share.Q: @erwinvankekem do you expect that the benefits of transparency of the blockchain that you find so important (among other things to prevent fraudulent investors) will decrease by lowering the entry threshold to invest in real estate? If not why not? So many more transactions are added to check?A: Every person who wants to invest in the funds must go through the KYC process (both with forms and on the platform), so the check is a one-off. Over the years we have received the feedback that many people want to invest in real estate funds. There were / are 2 large thresholds here. Joining a fund often starts at 10–25K and the duration is fixed 10 years. So by making this easily accessible (from 1k) and offering an exit strategy, our project is unique.Q: @erwinvankekem Yes, that certainly makes you unique, but I read in an interview that you want to lower the threshold to 0.1K in the future. Hence the question because you then take on many small savers. Or is that information incorrect and the threshold remains 1K?A: There is a limit to what the minimum can be in terms of efficiency. I also think that people with limited funds should be careful about making investment decisions. My personal estimate is that EUR 500 should be pretty much the minimum. At a later point in time this could perhaps fall even further. That is to be seen in due course.Q: @erwinvankekem is there a transfer tax on buying or selling?A: Not for a loan, bond or share. Transfer tax may apply to the costs of a project in which you invest / participate. Common rules apply.Q: @Gudo_MPG Which media channels are / have been tapped to gain more recognition, and does MPG use marketing agencies for this?A: We use the standard social channels and the BDM team to gain more recognition. We also do this through partnerships (eg NL crypto channels). We do not use marketing agencies for this.Q: @erwinvankekem Investing always involves risks. How do you limit this as much as possible for the token holders? For example, do they have the first mortgage right?A: This will be indicated per project. (First) mortgage law will indeed be the most used security for investors. Other forms of collateral may also apply additionally or instead. We logically strive for the lowest possible risk for investors.Q: @erwinvankekem The wp states that if tokens become small, a share may be switched. This is of course very distant future, given the high supply. 2 questions: 1 In your wildest dreams by which year do you consider this to be possible 2 how could you realize this.A: We have indeed reserved the option. I don’t see this happening yet.Q: @erwinvankekem I see that you are asking online for support from the community to come up with Binance. But isn’t this just a matter of paying and you come to binance?A: An exchange like Binance looks at more criteria than “pay money”, so they also look at the community, activity, etc. I would add that there are indeed exchanges where you can pay and you are listed.Q: @erwinvankekem to be honest it remains a mystery to me what the added value of a token is. Capturing an offer on a block chain will be interesting, although I personally do not see the need for that, but that is fine without an own token. Could you explain why we (or they) need MPG?A: The token is linked to having a child chain on Ardor. You need MPG tokens to write transactions to the blockchain. Because we will then burn it, the price will rise in the long term.Q: @erwinvankekem do you also do equity tokens or just debt? Debt is a right to debt payment. Can I really become a shareholder in the underlying real estate?A: We currently have no equity token fund, we do not exclude this in the future.Q: @erwinvankekem The legal conditions state that MPG also performs an investigation after receiving AML and KYC documentation. You can still be refused to register. What exactly does this investigation entail, what are the grounds for refusal.A: Suppose you mean AML? PEP or sanction list entry can be a reason for rejection. Attempted fraud by forging ID document and / or proof of address and / or selfie idem. As a rule, you are simply accepted if you follow a process and have a bank account with an EU bank in your name or are formally authorized to check this.Q: @erwinvankekem what is your plan with the MPG obtained from fees? Immediately re-entering the market ensures a very fast turnover rate which depresses the value. Do you have a plan for this?A: MPG obtained from platform and bundler fees are used periodically. Our revenue model is in EUR fees that are partly provided by investors and especially by the borrower. An update of the rate pages will follow shortly, which will hopefully helpQ: @erwinvankekem Which countries are on the restriction list?A: These are the countries that have been placed on international sanction lists. Think North Korea, Yemen etc.Q: @erwinvankekem I think it’s a pretty untenable situation if your platform and users depend on a specific course of your token? You are talking about resuming the sale if the token is 0.25?A: The prices of the transactions are determined in EUR and paid in MPG tokens. We will not resume the sale, but if people want to buy the MPG token directly on the platform, it will cost € 0.25. Many real estate investors will take this option and not go on an exchange to buy them there. The tokens obtained from the transaction are burned.Q: @erwinvankekem It seems that you want to offer something that does not fit within the framework of the law and therefore seek refuge in the unregulated world of the blockchain. It remains a mystery to me that an MPG token would be needed. To put that into a question — why not integrate an existing chain to achieve your goal?A: The problem is that existing solutions are at odds with how legislation and regulations deal with this. Free, anonymous trading to name a few is a thorn in the eyes of regulators. Anonymity and the ability to trace the origin of funds is another. To be compliant with legislation and regulations, we do things differently from existing platforms for that reason. And Ardor connects better than many of the existing solutions that would otherwise require a lot of customization.Q: What is the interest of other real estate companies. It is nevertheless true that the system can also be used by third parties?A: There is certainly interest. Many real estate initiatives are struggling with financing. Unfortunately, we cannot help them until we have the permit.Q: @erwinvankekem One of the major challenges for projects based on / built on the blockchain is how to make this available to common people, and perhaps to the masses in such a way that they do not have to realize that the project is built on blockchain? This is possible, for example, through apps in which you can purchase MPG products. Are such apps part of the roadmap? If not, perhaps something to consider?A: That app is definitely on the schedule. Thanks for the tip, will include it on the roadmap.

June 4, 2019, 8:07 a.m.
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Confused about tokenisation? CoinTelegraph to the rescue! https://buff.ly/2IgUYeA pic.twitter.com/HL7AY83e7Y


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(Crowd-)Funding exclusive – The Startup – Medium https://buff.ly/2EPoBTk pic.twitter.com/vWuhVQiGGK


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Photo Diary Of A Property Investor – MaxPropertyGroup – Medium https://buff.ly/2XoIyro pic.twitter.com/MxAUL7leJu


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WHY TOKENISE REAL ESTATE ANYWAY? – MaxPropertyGroup – Medium https://buff.ly/2XiBs80 pic.twitter.com/D9wKauRXMP


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WHY TOKENISE REAL ESTATE ANYWAY?

Originally posted by Arnaud on Assetum.oiWhen digitalised assets were first released, many saw them as an opportunity to take advantage of a lack of clear regulation in order to circumvent laws and, essentially, sell securities without adhering to regulation. This resulted in a great deal of profit for some, and a great deal of loss for others. The moral of the story seems to be that regulation serves a purpose; to prevent scammers from operating, to prevent criminals from profiting from legitimate practices, and to generally ensure that money exchanges hands in a legal and ethical manner.Despite the many notable disasters that resulted from unregulated tokens and coins, the benefits of the underlying technology have not been forgotten and blockchain remains an emerging force that even the most cynical traditionalists can no longer ignore.The advantages of Distributed Ledger Technology (DLT) are so profound that they outshine the financial mishaps that have scourged the cryptocurrency space, and DLT has evolved to alternative applications with more wholesome intentions.Enter Security TokensNot circumventing, but embracing, existing regulation is the idea behind the security token. It is a digital asset that enjoys all the benefits of decentralisation, but is also subject to the widely accepted and established financial regulations affecting securities.To investors, security tokens are as safe as investing in a listed stock but faster, cheaper and easier to control. To issuers, they are cheaper to create, faster to trade and more transparent than a centralised asset.What is a Security TokenTokens fall under two broad categories: Utility tokens and security tokens. The distinction is predominantly down to the benefit received by the token holder. A utility token typically provides the holder with a service or access to a certain system. A security token provides the holder with a company share or a financial instrument with a financial return.A highly quoted method of defining a security is the “Howey Test” as presented by the Securities and Exchange Commission (SEC) of the United States. According to the Howey test, an investment contract is defined as “an investment of money”… “in a common enterprise”… “with an expectation of profit”.According to this, anyone who invested in an ICO hoping that the coins would increase in value was in fact investing in a security. This was picked up by the SEC around 2016 when DAO raised $150M, lost $50M to hackers, and Ethereum crashed by 50%. Once the authorities could no longer ignore the ICO movement, they finally ruled that the application or automation of technology or digitalisation does not exclude financial activities from the U.S. securities laws.Since then, a great deal of effort has been made by some organisations to avoid being defined a security token and forced to comply with financial regulation. For many purists, this is philosophically motivated; they wish to cling to the freedom and lack of governmental control of the early Bitcoin days, a world in which it was easy enough to make money quickly and without anyone looking over your shoulder. But for others, it has become clear that regulation is designed to protect consumers not just inhibit suppliers. Many are beginning to shift towards models that embrace established financial safeguards combined with the agility of DLT.Why Security Tokens are game-changingUnless you actively enjoy the “wild west” atmosphere of turbulent crypto fluctuations and high risk investment, Security Tokens are a practical way of making digital assets legitimate. Imagine all the technical advantages of a crypto investment, but with integrity of a traditional financial product.One of the most popular advantages of digitalisation is of course transaction speed. Add to this the transparency provided by imprinting on the blockchain, automated compliance, 24/7 trading and negligible transfer fees and it becomes clear why tokenisation of securities can be a real game changer.Application to real estateReal estate is typically affected by high transaction fees, agency fees, legal fees and taxes. Purchasing a property can take weeks if not months and the entry level to purchase a real estate unit is often in the tens or hundreds of thousands, if not millions, with a great deal of money going into the pockets of intermediaries.By tokenising a real estate asset, one of the biggest hurdles within the real estate industry can be overcome immediately. Fractional ownership can be simplified thereby reducing the investment entry level to minute proportions of the unit purchase price. This allows investors to buy into a multimillion property with relatively tiny amounts of money, negligible associated fees and with minimal paperwork.The second biggest problem affecting the market is regulation, which includes KYC and AML procedures. By digitalising real estate assets, one can automate the KYC process, and ensure that ownership remains only in the hands of those whom have passed KYC.Max Property Group (MPG), a real estate company which is developing property crowdfunding platform, Max Crowdfund, is applying existing regulation to its tokenised assets. By employing a system of Controlled Assets, a built-in functionality on Ardor and therefore on the Max Property Group blockchain, MPG can ensure that only approved accounts can purchase and trade in the Security Tokens issued via Max Crowdfund.Assuming these procedures are adhered to, truly global cross-border transactions can be facilitated, and anyone from any country could invest in any property in any country; completely legally.Why is it so darn hardLess than 10% of European crowdfunding platforms facilitate cross-border transactions, and there’s a simple reason for that: There is no cross-border framework for securities, nor real estate transactions, which makes it extremely difficult to obtain the correct licenses and adhere to regulations in all applicable countries.We asked Max Property Group, who are building a global real estate crowdfunding platform on the blockchain, what their biggest obstacles were. They confirmed that the biggest challenge in the space is achieving, then automating, compliance across different jurisdictions.Each governing body has different rules that must be adhered to and these sometimes apply to the asset and at other times to the buyer, so both must be taken into account when designing a system that is legally compliant across borders. Max Property Group must apply for licences to promote securities in each country of operation, learn the country specific financial regulations, and then program them into their platform.Accordingly, the legal documents must be translated (taking into account jargon and terms that do not translate exactly) and perform local due diligence. This in turn means having a legal entity and physical specialised presence in each country of operation.The other major obstacle, says Max Property Group, is attempting to marry two different financial worlds, in which people have extremely different business mentalities:“Crypto investors are looking for returns of 5x or 10x their initial investment in a short period of time, whilst most traditional real estate investors are scared off by anything to do with crypto currencies,” says Max Property Group’s Managing Director Mark Lloyd, “We have actually set up an academy to educate people about how the two worlds can come together and to demonstrate how much potential lies in this alliance.”Why it is worth itThe potential market for security tokens is in the trillions of dollars, and the global real estate market is worth over 270 Trillion USD, so the math is relatively simple. Aside from the financial potential, applying security tokens to real estate could very feasibly create a global real estate marketplace which excludes almost no-one. Assuming people are of legal age and can prove their identity, they could buy into a property anywhere in the world, in their choice of language and currency, in a matter of minutes and with a high level of security. Blockchain could become a digital version of a global land registry, where millions of people could jointly own real estate assets across the planet.One company to appreciate the potential of real estate tokens, is Assetum, a platform which aims to be the go-to resource for the Real Estate Security Tokens economy. Its staff review and rank all the real estate blockchain projects and provide impartial information about them. The aim of the platform is to inform investors about this rapidly growing category of coins and tokens.WHY TOKENISE REAL ESTATE ANYWAY? was originally published in MaxPropertyGroup on Medium, where people are continuing the conversation by highlighting and responding to this story.

May 30, 2019, 1:01 p.m.
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Max Property Group Monthly Roundup May 2019

This month, Max Property Group has entered into collaborations with a variety of companies with similar goals or philosophies in the property crowdfunding, blockchain and property investment spaces.MPG has joined the Security Token Alliance (see announcement here) and inspected new properties in Germany for the MPG Fund Germany. The MPG coin has been listed on Assetum, a resource dedicated to the real estate token economy. Check out our coin listing here and the article they published about us here.We have also separated our social media brands, with distinct pages for Max Property Group general updates, Max Crowdfund content, and MPG Rentals and Max Property Academy information. We hope that separating these brands will make our social media messaging clearer and more useful for followers.In case you missed the individual press announcements, here is a quick roundup of our new partnerships and the subsequent press coverage received.Media mentions:Cryptopolitan on the Max Property Group Indian RoadshowCoinspeaker on flexible remittance alternativesBitcoinist on microfinanceCryptopolitan on the world’s unbanked and property investmentNews BTC and microfinanceCryptopolitan: Property Investment and EducationCrypto Insiders on MPG and blockchain real estate investing (Dutch)Criptopasion on flexible remittance (Spanish)Use The Bitcoin: Microfinance in Africa and AsiaThe Bitcoin NewsLive Bitcoin NewsMax Property Group Monthly Roundup May 2019 was originally published in MaxPropertyGroup on Medium, where people are continuing the conversation by highlighting and responding to this story.

May 30, 2019, 12:58 p.m.
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Photo Diary Of A Property Investor

Thomas Munte, property advisor for Max Property Group performs building inspections in Germany for the Max Property Fund Germany.The sun was out in Hanover, Germany, for Max Property Group’s very own real estate expert, Thomas Munte, to conduct his property inspections of several buildings, which have been purchased for the Max Property Fund Germany.Thomas was visiting MPS’s latest investment properties in Liebenburg, Vienenburg, Goslar abd Bad Sachsa (near Hanover) to ensure all was in order for the group’s real estate investment portfolio.All of the funds offered by Max Property Group adhere to strict investment criteria, and the Max Property Fund Germany includes commercial and residential buildings. Investments can be made from €1000 via the Max Crowdfund website. For more information about the Max Property Fund Germany, please click here or to invest, click here.The photo diary of the investment property inspections is below. Full details of the property portfolio can be found on the Max Property Group website.Photo Diary Of A Property Investor was originally published in MaxPropertyGroup on Medium, where people are continuing the conversation by highlighting and responding to this story.

May 30, 2019, 10:25 a.m.
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Malaysian Securities Commission introduces regulatory framework for property crowdfunding https://buff.ly/2YSyN5m pic.twitter.com/jjFmP4ze2m


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3 Challenges of Scaling a Fintech Company Across Borders https://buff.ly/2K3vJ1W pic.twitter.com/seYuNa9PWn


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Could crowdfunding save the arts https://buff.ly/2EMjrYz 


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516.6 million Swiss francs were raised via Swiss crowdfunding platforms in 2018 https://buff.ly/30L97Jz pic.twitter.com/S1jONbQl1U


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Thailand issues regulations on debt crowdfunding https://buff.ly/2EBX1sH pic.twitter.com/LbyVBFNLVV


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State of Montana passes cryptocurrency bill exempting utility tokens from some securities laws https://buff.ly/2X3p77r pic.twitter.com/EAx5B0wE2n


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Is there nothing that crowdfunding can't do? https://buff.ly/2YVuGFH pic.twitter.com/X0sfYNOMUI


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$IGNIS on #Ardor platform with 12 #blockchain template features, new lightweight #smartcontract and 250+ APIs for #dApp development - winning the #blockchain technology race!  http://ignisblockchain.com 


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Security Tokens and crowdfunding. MPG and STA partnership announced. https://buff.ly/2EnVk1N pic.twitter.com/L7DpvSfV3f


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New perspectives: Max Property Group announces partnership with STA

Originally posted by Frederik Bussler on May 22, 2019Tokyo, Japan — May 22, 2019 — The Security Token Alliance (STA), an alliance that brings together organizations advancing the security token industry, is announcing that Max Property Group is among the latest to partner with STA.The Security Token Alliance is founded on the belief that the present and future of digitized securities will benefit from wide participation in projects and an ecosystem for stakeholder connections. The organization was founded in 2019 by Frederik Bussler.Max Property Group brings fresh perspectives alongside a highly experienced team of real estate professionals. With over 70,000 users across 185 countries, the Max Crowdfund platform is not only operational, but highly successful. MPG brings blockchain to the property industry because “tokenised assets could solve cross-border transaction barriers, creating a truly global investment marketplace.”However, in order to realize the concept of security tokens offering a marriage between DLT and financial regulation, there needs to be “structured, defined applications of Distributed Ledger Technology.” With a successful, launched platform in real estate crowdfunding, MPG helps to define such potential applications.Applying (not re-defining) Existing RegulationsMax Property Group notes that many organizations in the Security Token industry are looking for ways to redefine laws and regulations to fit blockchain applications. However, this may not be the right approach, as “we can apply existing regulations to new types of assets, which are already clearly defined and accepted.”Instead of viewing Security Tokens as in need of new regulations, they can be viewed in the same legal category as traditional securities, thus needing to comply with existing regulations.What’s Being Overlooked in the Security Token IndustryIt’s well understood in the Security Token industry that projects need to comply with largely the same regulations as any other securities projects, including KYC/AML regulations.The problem is that “many systems allow the open trade of tokens after the initial transaction,” overlooking the regulatory need for ongoing identification of (security) token holders. The solution is straightforward: Issuers must have Controlled Assets, “whereby the Security Token is only purchased and traded between approved wallets.” Yet, compliance issues in secondary markets tend to be overlooked by many projects in the space.Ambitious Partnership PlansThe partnership between the Security Token Alliance and MPG will center around the values of experience-sharing and collaborative projects, such as building a “legally compliant, trustworthy framework for the security token market.”With the current state of the industry — fragmented at best, immature at worst — STA believes that the best way to move Security Token projects forward is with an unbiased, neutral ecosystem for projects. We aim to facilitate open knowledge sharing and collaboration.STA is currently signing and on-boarding a wide cross-section of respected security token professionals and organizations with the goal of broadening participation in digital assets in order to create the best financial outcomes for humanity.—About Max Property GroupFounded in 2016, Max Property Group (MPG) is a large team of real estate professionals with nearly 200 years’ experience in the property market and many property assets under management. MPG has existing property funds, property management, rentals, sales and a property investing academy. The group’s goal is to structure investor-focused property funds and expand to a crowdfunding platform on the blockchain where users can access property-backed investment products and engage in peer-to-peer trading. Learn more: https://maxpropertygroup.com and https://maxcrowdfund.comNew perspectives: Max Property Group announces partnership with STA was originally published in MaxPropertyGroup on Medium, where people are continuing the conversation by highlighting and responding to this story.

May 23, 2019, 10:58 a.m.
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Take a closer look at @Jelurida’s projects. Look deep into $Nxt, $Ardr, and $Ignis https://www.tradingview.com/chart/ARDRBTC/G3JN5rwh-ARDR/ …


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By maximizing their social and financial performance and preserving a focus on the low-income clients they were created to serve, @AssetStream taps an attractive and underserved market opportunity. Read all about it: https://buff.ly/2LEkq2x pic.twitter.com/UxqpMRk0UV


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We are happy to announce our partnership with the @BankofHodlers. This collaboration allows us to offer increased quality services to our platform users. #bankofhodlers #crypto #maxpropertygroup #MPG #blockchain #collaboration #realestate #bank #investing #news #ARDR #IGNIS #NX pic.twitter.com/ThLNAjTP24


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We are happy to share that recently we have added several new properties to our MPGUK and MPF II funds. These properties are having a gross yield of 6,9 up to 18,85%! More information can be found on our website: https://buff.ly/30iWqp7  #properties #MPG #investing #tradin pic.twitter.com/YJCFiOEexA


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Cryptocurrency Backed Banking Enters Investment Market

Max Property Group Signs Collaboration Agreement with Bank of Hodlers To Allow Its Users To Invest in Property Without Having To Convert Their CryptocurrencyPRESS RELEASE — Bank of Hodlers is a cryptocurrency platform offering a secure wallet for coin holders as well as access to loans and interest, without having to convert cryptocurrency to Fiat. In a move to increase services to their users, Bank of Hodlers have signed a collaboration agreement with Max Property Group (MPG), a real estate company offering high quality property investments which can be purchased using Fiat and cryptocurrency.The companies are developing technologies that will allow them to offer increased quality services to their respective users, as well as special offers and token giveaways to streamline the adoption of the newly added platform features.CEO or Bank of Hodlers, Darshan Bathija, says “We treat cryptocurrencies as a separate asset class and offer services to ensure technologies based on blockchain are usable. Collaborating with forward thinking blockchain innovators is a part of our strategy for achieving the mass adoption of cryptocurrency”Bank of Hodlers is a cryptocurrency bank offering services that meet its philosophy of decentralization, with a focus on customer experience. Users can deposit their cryptocurrency in the system and borrow against it without having to convert to Fiat currency. According to the BOH Whitepaper, user can borrow between 20% and 70% of the deposited coin’s value. Users can also apply for crypto-credit cards and receive interest of up 5% on their digital currency, and there are currently no fees for using the platform.Max Property Group is a property investment company. Amongst its other long-running business activities, MPG offers a platform, Max Crowdfund, for affordable, high quality investment opportunities. Investment products such as property funds are listed in the platform, which supports cryptocurrency as well as Fiat payments.Cryptocurrency Backed Banking Enters Investment Market was originally published in MaxPropertyGroup on Medium, where people are continuing the conversation by highlighting and responding to this story.

May 13, 2019, 2:37 p.m.
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