Why Investing in Bitcoin?

In this article, we are going to recapitulate what Bitcoin is and build the case why it makes sense to invest in Bitcoin.

The History of Bitcoin

The history of Bitcoin dates back to 2008, where an anonymous author under the pseudonym Satoshi Nakamoto released a white paper introducing a cryptocurrency Bitcoin and a ground-breaking new blockchain technology to administer all transactions on a decentralized ledger. The title of the academic white paper was “Bitcoin: A Peer-to-Peer Electronic Cash System “ and it outlined the theory and design of a digital currency system that is independent of any organization or government.

Nakamoto continued to work on the project with a variety of developers until 2010 when he or she stepped away from it and left it to its own devices. Nakamoto’s true identity has never been known, and he hasn’t made any public statements in years. Now that the program is open-source, anybody can view, use, and add to the code without charge. Many businesses and organizations, including the Massachusetts Institute of Technology (MIT), is working to further develop the blockchain.

Over the years, more and more people got interested in Bitcoin and built an engaged community around it which drove the Bitcoin price from a few cents to today more than $58,000 per Bitcoin and held in over 38 million accounts (Source: Blockchain.com). Today Bitcoin is the most established Cryptocurrency with a Market Capitalization exceeding USD 1 Trillion, making it basically by far the best performing investment over the last decade.

The Historic Price of Bitcoin

Source: CoinMarketCap

How does Bitcoin work?

Bitcoin is a cryptocurrency that solely exists as a digital currency and relies on a decentralized blockchain. Here, we discuss the important elements of how Bitcoin works.

Bitcoin Mining

Bitcoins are created by the miners, who perform complicated and energy-intensive calculations to mint new Bitcoins. All Bitcoins were created this way and the total permittable supply amounts up to 21 million Bitcoins.

The method of introducing new transactions to the Bitcoin blockchain is known as bitcoin mining.. Bitcoin miners use a method known as proof of work, in which computers compete to solve mathematical puzzles that validate transactions.

The Bitcoin code rewards miners with new Bitcoins to encourage them to keep racing to solve the puzzles and help the overall system. According to Okoro, “this is how new coins are created” and new transactions are added to the blockchain.

Mining Bitcoin used to be possible for the average citizen, but that is no longer the case. The Bitcoin code is written in such a way that solving its puzzles becomes increasingly difficult over time, necessitating more and more computational power. To be competitive today, Bitcoin mining necessitates powerful computers and access to large quantities of cheap electricity.

Bitcoin mining is now less profitable than it once was, making it much more difficult to recoup increasing computing and electrical costs. Flori Marquez, the co-founder of BlockFi, a crypto wealth management firm, says that when this technology first came out in 2009, “every time you got a stamp, you got a much greater amount of Bitcoin than you do today.” “As the number of transactions increases, the amount you get paid for each stamp decreases.” By 2140, it’s expected that all Bitcoins would have been released into circulation, leaving miners with no choice but to rely on transaction fees.

Until today 18.7 million Bitcoins (89%) have been mined. Going forward it becomes increasingly difficult to mine new Bitcoins as the difficulty of the underlying algorithm increases around every 4 years.   Important to note is that Bitcoin is not regulated by any governmental authorities or central banks, instead, all transactions and balances are recorded on a decentralized blockchain which is continuously validated by the Bitcoin miners using the “proof-of-work” method in which computers compete to solve mathematical puzzles that validate transactions.

The Bitcoin blockchain rewards its miners with the issuance of new Bitcoins. This encourages them to keep solving the mathematical algorithms puzzles and keep the overall system stable. According to Okoro, “this is how new coins are created” and new transactions are added to the blockchain.

Mining Bitcoin used to be possible for the average citizen, but that is no longer the case. The Bitcoin code is written in such a way that solving its puzzles becomes increasingly difficult over time, necessitating more and more computational power. To be competitive today, Bitcoin mining necessitates powerful computers and access to large quantities of cheap electricity.

Bitcoin mining is now less profitable than it once was, making it much more difficult to recoup increasing computing and electrical costs. Flori Marquez, the co-founder of BlockFi, a crypto wealth management firm, says that when this technology first came out in 2009, “every time you got a stamp, you got a much greater amount of Bitcoin than you do today.” “As the number of transactions increases, the amount you get paid for each stamp decreases.” By 2140, it’s expected that all Bitcoins would have been released into circulation, leaving miners with no choice but to rely on transaction fees.

Blockchain Technology

Since there are only 21 million bitcoins, it is a fixed asset. The actual supply of Bitcoin could actually even be lower since over the years some people lost the keys to their crypto wallets and cannot access them anymore. Since Bitcoin is divisible in less than one coin, the trading medium’s growth potential is limitless. Blockchain, or distributed ledger technology (DLT), is one of the most intriguing technologies that came along with Bitcoin. When it comes to conventional operations and arbitration implications for companies in the financial and other sectors, Blockchain technology has enormous potential and use cases.

Digital Crypto-Wallets

Therefore, Bitcoins are not transferred through the conventional banking system, but rather are transferred from one digital crypto-wallet to another. This basically eliminates the middle man which traditionally was the bank and instead empowers the beneficiary with direct control of the Bitcoins. Bitcoin is purely a computer-based currency stored on hardware and cannot be printed on paper.

Payment Speed

While in theory payments are instantaneous and come with low transaction fees, the recent interest in Bitcoin has led to quite some congestion in the network so that transactions are not cheap anymore and in some cases can take days to be confirmed by the network. This leads to the creation of several new cryptocurrencies such as Ethereum, Cardano, Binance Coin, and many others and to some limitations of Bitcoin being used as a daily payment method. The use case of Bitcoin has recently shifted towards a store of value aiming to replace gold (Gold 2.0).

Energy Consumption

Bitcoin is a convenient way to send and receive money, but cryptocurrency is not free. Bitcoins are created by computer-based miners who consume enormous quantities of electricity. Some experts believe bitcoin is harmful to the environment because of its energy-intensive operation.

The “mining” method allows computers all over the world to perform rapid calculations in order to solve the same puzzle. It takes 10 minutes every time, and the winner receives some digital bitcoin. The process is then repeated for another 10 minutes, with a new puzzle being created each time.

As the popularity of Bitcoin increases, so does the emphasis on the cryptocurrency’s externalities, most notably its energy consumption. The computational puzzle that miners must solve to add new blocks to a blockchain that relies on proof-of-work to protect it is energy-intensive, and Bitcoin currently consumes as much energy as Sweden (131 TWh/year) or Belgium (78 TWh/year). These comparisons, however, are highly dependent on the parameters used in the estimation.

The cost of bitcoin in terms of energy use and environmental effects is determined by how beneficial it would be to society. It’s difficult to judge a moving goal. The popularity of Bitcoin continues to grow, resulting in more power being used to support more people in the market. It’s unclear if Bitcoin mining would be worth the environmental expense in the long run.

The Use Cases of Bitcoin

Bitcoin today is the largest and oldest cryptocurrency where many use cases actually have not only been considered but are tested or even used on a daily basis.

Bitcoin as an International Payment Method

Bitcoin was developed by Satoshi Nakamoto intended initially to serve as a decentralized, alternative international payment method. It was developed as a low-cost and almost immediate payment method, unlike international bank transfers which for international money transfers normally take several days to complete and charge high fees. Executed transactions were was also made permanent, which eliminated the hassle of costly charge-backs for merchants and end-users. As a result, customers have access to a wider range of domestic and foreign retailers without having to think about exchange fees. Furthermore, the records of their transactions are encrypted, safeguarding their confidential information.

However, with the advancement of domestic payment methods and the rapid growth of alternative (non-crypto currency) types of foreign transactions, bitcoin’s advantage in this field has dwindled, particularly given its rising fees and frequent network bottlenecks. Furthermore, the cryptocurrency’s use has been limited for privacy reasons due to increased scrutiny and regulation to deter money laundering and illicit transactions. So many exchanges where one can trade Bitcoins for US Dollars and other real-world currencies actually are regulated, requiring the disclosure of the identity of each holder and those exchanges are also increasingly subject to anti-money laundering regulations.

Bitcoin is also a more effective and cheaper way to move money across borders in some parts of the world, and many remittance startups take advantage of this function. For high-volume clients in Asia and Europe, Coinbase added cross-border transfers and custody services last year. Direct bitcoin payments are now possible through 60 banks in Latin America thanks to a new agreement between cryptocurrency exchange Bitex and Uruguay-based banking service provider Bantotal.

Bitcoin’s cost and speed advantages, on the other hand, are eroding as conventional networks improve, the network’s fees continue to rise, and availability in many countries remains an issue. A number of large and small retailers also accept cryptocurrency as payment, but reports indicate that demand for this service is low.

Bitcoin as a Store of Value

Cryptocurrencies are not only a highly effective form of payment, but they are also a safer store of value. Traditional currencies are inflammatory, in the sense that they lose value over time. That is why a dozen eggs today are much more expensive than they were 10 or 20 years ago. Eggs aren’t becoming more costly. Your money is depreciating in value.

Many people choose to keep a portion of their money in encrypted bitcoin wallets, where a central authority cannot restrict access or take a cut. We’ve seen a spike in demand for bitcoin wallets since the coronavirus quarantine started in March, as users look for alternative self-custody options. As more businesses, payment firms, and e-commerce marketplaces switch to digital currencies, especially stablecoins, the pandemic appears to have accelerated the widespread adoption of blockchain technology.

Cryptocurrencies, on the other hand, use better supply mechanisms to limit inflation and can rise in value as demand rises. As a result, storing your funds in cryptocurrencies has the potential to gain value rather than lose value over time.

Bitcoin for Online Trading

Fortunately, investing in Bitcoin is far simpler these days thanks to a plethora of reputable online trading platforms. You can not only buy Bitcoin with a few mouse clicks, but you can also exchange it for other cryptocurrencies and conventional currencies. However, bear in mind that the choices available to you can differ from one site to the next.

The Bitcoin Era is a fantastic website where users can gain access to a plethora of lucrative opportunities thanks to the advanced Bitcoin Era program. Since this is an AI-based trading scheme, you don’t need to know anything there is to know about bitcoin to engage in auto trading.

This also means that it takes less time than manual trading. When it comes to the site’s security, it’s worth noting that it employs cutting-edge security and encryption technologies. As a result, your personal information is safe. You can register on the web with as little as a $250 deposit.

Bitcoin as a Private Money

Bitcoin’s pseudonymous nature (members are known by their public keys rather than their “real world” identities) is one of its most appealing features. For many users, this provides a degree of anonymity that is lacking in conventional digital payment systems. People escaping abusive partners, desiring controversial medical treatments, or working beyond the boundaries of authoritarian regimes are just a few examples of circumstances where this consistency comes into play.

Unfortunately, there is a downside to this anonymity: bitcoin’s potential to be used for immoral and illegal purposes. Silk Road, the vast “Deep Web” marketplace, is the most well-known example of this. Silk Road allowed users to buy and sell illegal goods using the privacy provided by bitcoin (along with anonymizing software known as TOR). Though Silk Road’s moderators prohibited the selling of products that resulted from or were intended to cause damage or abuse of others, users could still buy illegal contraband such as illicit drugs and forged identity documents. Because of Bitcoin’s relative anonymity, it may be used by criminals to launder money or finance terrorist groups.

Bitcoin Money Laundering

Bitcoin in the past had a reputation being for illegal money laundering since it is completely possible to keep Bitcoins in anonymous accounts. However, given more and more Bitcoin exchanges are regulated it becomes increasingly difficult and to avoid being picked up by regulators, the latest when exchanging Bitcoins for US Dollars. Furthermore, the balances of each Bitcoin accounts are publicly visible via a Blockchain explorer.

Bitcoin money laundering is a realistic and cost-effective way for cybercriminals to launder the proceeds of crime, so it’s very likely to be used in money laundering schemes now and in the future. While the low 15% commission makes it a cost-effective alternative, certain providers may refuse to process transactions above a certain amount, such as $5,000 or $10,000. As a result, it’s unclear if this cash-out process would be feasible while laundering larger sums of money.

The Investment Case for Bitcoin

Bitcoin as a Replacement for Gold

Bitcoin could supplant gold as the safe-haven store of value, according to BlackRock. Rick Rieder, BlackRock’s CIO for fixed income says that this is possible because Bitcoin is so much more functional than passing a bar of gold around, as it is, of course, traded digitally.

Bitcoin is currently gaining, while gold is losing as if to emphasize his point. In a pandemic-plagued 2020, both the digital currency and the hard yellow metal have progressed, which is a dynamic we haven’t seen in a long time. Gold, on the other hand, hit a snag at the end of July and has since lost 9% of its value. Bitcoin has risen 65 percent in the same time frame.

Yes, there are significant variations in total value, with Bitcoin having a market capitalization of about $10 Trillion, or around 3% of gold’s approximate value, according to CoinShares, a broker of virtual currency investments. Bitcoin has only been around for a few years, while gold has been around for millennia.

Bitcoin is the most known and Trusted Cryptocurrency

Bitcoin was the first modern digital currency, created in 2009 by a mysterious programmer known as Satoshi Nakamoto. Satoshi intended to create a decentralized electronic payment system that is not reliant on the government or financial institutions. He concentrated on developing a decentralized network that is not controlled by a central authority or run by servers.

People didn’t understand Bitcoin’s underlying technology, blockchain when it was first launched in 2009, but it grew in popularity over time and became the first modern cryptocurrency. Many programmers have attempted to create cryptocurrencies but have failed miserably.

Bitcoin has value, much like conventional currencies. Its demand is undeniably volatile, and its value is constantly fluctuating. The main reason for bitcoin’s skyrocketing value is its widespread use around the world. Bitcoin is being used as a payment system by many companies and individuals instead of conventional currencies. The majority of users use bitcoin because of its high convenience and ease of use, as well as the absolute protection that blockchain technology provides.

Bitcoin and other cryptocurrencies are gaining a lot of traction, and a lot of people are using them in their companies. Trading has become a lot simpler and more feasible as a result of this. People are opting for bitcoin-accepting real estate firms, corporations, and even coffee shops. Bitcoin’s value may rise as more retailers and businesses embrace it as a payment method, based on its growth rate and value.

Not every Millionaire has one Bitcoin yet

As of December 2020, there were estimated to be 46.8 million millionaires or high-net-worth individuals (HNWIs) in the world. While there are only more than 21 million bitcoins in the world, it is impossible that each millionaire has 1 bitcoin. This means that a shortage of supply means a rise in the bitcoin’s value.

In other words, Bitcoin is naturally deflationary. As a result, there can never be more than 21 million Bitcoins mined or in circulation at any given time. Other coins, such as Ethereum, have a steady stream of new assets introduced to their ecosystem, making them inflationary.

Limited Supply

Nakamoto claimed in the Bitcoin whitepaper that a fiat monetary system dominated by central banks and a small number of financial institutions resulted in a concentration of wealth and power, making social and financial mobility difficult. Inflation drained ordinary people’s wealth, owing in large part to central banks’ money printing.

Bitcoin solved this problem by limiting the number of units ever given, preventing money printing-induced inflation. Since Bitcoin uses peer-to-peer blockchain technology, it does not require financial institutions to facilitate transactions or verify ownership.

For traders, Bitcoin has been the go-to cryptocurrency. Bitcoin, on the other hand, has benefits for investors who are willing to stick it out despite the uncertainty. There will be no new bitcoins made after 21 million have been mined.

Long-term investors stand to benefit from the supply/demand situation. Plus, if you want to get any of the other currencies on this list, you’ll need to buy Bitcoin as a starting point. Many of these others are only available in BTC and cannot be purchased with USD.

Largest Crypto Currency

Since the first bitcoins were mined in January 2009, Bitcoin has dominated the market. Bitcoin’s price soared to more than $60,000 in April 2021, resulting in a market capitalization of more than $1 trillion, giving it a share of the cryptocurrency market of more than 45 percent. Of course, Bitcoin accounted for approximately 70% of the cryptocurrency market earlier this year, indicating that other cryptocurrencies might be on the rising. “Bitcoin is already commonly accepted as a safeguard against inflation and macroeconomic uncertainty by hedge fund managers and banks,” says Garrette Furo, a blockchain analyst and advisor with Cosmos Network.

At the same time, Bitcoin is fast becoming the decentralized finance’s ‘gold standard,’ with it being used as collateral for stable coins, loans, and more. In this way, both sides of the fence need Bitcoin, which is a great harmony.” Bitcoin has seen its fair share of uncertainty over the years, and prices have fallen since recent peaks, but as the most well-known cryptocurrency, it enjoys a level of global popularity that its less well-known competitors do not.

Institutional Investors entering the Market

Because of their $1.5 billion investment in Bitcoin, Tesla and Elon Musk have dominated the news, and they are now embracing Bitcoin as a payment method for Tesla vehicles. MicroStrategy, the world’s largest independent and publicly traded business intelligence firm, had previously acquired over 90,000 BTC.

Institutions are now dipping their toes into the market because they recognize Bitcoin’s importance as a store of value. Bitcoin, like gold, has become regarded as a safe-haven currency, and this has never been more apparent than during the COVID-19 pandemic. Bitcoin has greatly outperformed any other asset class over the last year. It outperformed the Nasdaq 100 by 300 percent and the S&P 500 by nearly 1600 percent at one point.

Year-to-date (YTD), bitcoin has also outperformed the FAANG group’s top-performing tech companies (Facebook, Amazon, Apple, Netflix, and Google). Bitcoin has also outperformed gold (29 percent YTD) as the safe-haven asset of choice, with an 80 percent YTD gain.

Bitcoin has gained credibility as a capital-preservation asset that can serve as a buffer against financial volatility as a result of the specific challenges posed by 2020.

Retail Market Adoption is still low

After ten years, the market has grown to over 2900 altcoins and crypto tokens. Some of the coins are clones of the same concept, while others are designed to solve specific problems in the global financial services industry. Unfortunately, the adoption rate of cryptocurrency is still low after a decade.

The Crypto adoption rate is slow and stagnating. Since Bitcoin is decentralized and pseudo-anonymous, hard data on its adoption rates is difficult to come by. The fact that transaction data is stored immutably on the Blockchain, on the other hand, provides irrefutable proof of its market penetration. Since the introduction of Bitcoin in 2009, the number of unique Bitcoin Wallet addresses has been plotted in the graph below.

Source: https://www.blockchain.com/charts/n-unique-addresses?timespan=all

One of the key reasons preventing widespread acceptance of cryptocurrencies is that they still appear to be extremely difficult to comprehend. Cryptography is a feature of Blockchain technology, and cryptography is steeped in complex mathematics that most people don’t care to understand.

Hot wallets, cold storage, private keys, network fees, and Satoshi-to-fiat conversions are all primary aspects of communicating with cryptocurrencies that have a steep learning curve. Newcomers, in particular, must contend with knowledge overload in order to comprehend simple concepts such as which exchange to use to buy which coin, how to convert crypto to fiat, where to invest crypto, and how crypto holdings can be taxed.

Historic Performance

Historically, Bitcoin has been the best-performing investment over the last decade. Bitcoin started trading at a value of US$0.0008 in July 2010, and by the end of the month, it had risen to US$0.08. The cryptocurrency had a relatively flat output until April 2013, when it reached a high of US$250.

Source: https://www.statista.com/statistics/326707/bitcoin-price-index/

As bitcoin’s fame grew, so did knowledge of the enigmatic, intangible commodity. Bitcoin’s value fluctuated from US$0 to US$250, unlike a dollar, which functions as a single unit of currency.

This new currency needed a new measurement method based on millibitcoins (mBTC), microbitcoins (uBTC), and satoshis (satoshis) (in honor of the white paper author). One bitcoin is equal to 1,000 mBTC, 1,000,000 uBTC, or 100,000,000 satoshis when broken down.

By the end of the year, bitcoin had risen to a new all-time peak of US$1,164. However, the cyber-cash asset still had a long way to go until hitting its 2021 peak, and it went far lower before going higher — between 2014 and 2015, inflation and uncertainty eroded the crypto’s value, bringing it down to US$245 by October 2015.

Risks associated with Bitcoin

Despite the fact that Bitcoin was not conceived as a traditional equity investment (no shareware ever issued), some speculative investors were drawn to the digital currency after it rose rapidly in May 2011 and November 2013. As a result, many people buy bitcoin for its investment potential rather than its use as a medium of exchange.

However, due to the lack of a guaranteed value and the fact that bitcoins are digital, they come with a number of risks including Market Risk, Wallet Risk, and Fraud Risk.

Market Risk

Bitcoin Prices show high volatility and also can easily change more than 10% per day. They are a very risky investment and you shouldn’t be invested if you cannot deal with this kind of volatility.

Bitcoin’s short-term price swings are totally unpredictable, which only contributes to the asset’s riskiness. Based on data from the outside world, financial analysts can fairly accurately forecast the value of real currencies or stock quotes. However, predicting the exact price of Bitcoin tomorrow is nearly impossible. The vast amounts of exchange trading, the convergence of Bitcoin with different firms, regulatory initiatives, and many other, often overlooked phenomena all contribute to the volatility of cryptocurrency’s value. You can meet with blockchain companies to recruit blockchain developers if you want to invest in blockchain technology.

Wallet Risk

Cryptocurrency is a technology-based investment, making it vulnerable to cyberattacks. Since there is no way to recover missing or stolen bitcoins, hacking is a serious danger. Many studies say that many investors lose money on exchanges and through mining losses. Even if you have the protection of a smart wallet, exchanges are more likely to be hacked. Furthermore, if you do have a wallet and lose or forget your key, there is rarely a way to get your coins back. Make sure you’ve done your homework on cryptocurrency wallets to ensure you’ve chosen the most secure choice.

There isn’t anything that can be done to get back on track: If a user’s wallet keys are stolen, the thief can completely impersonate the account’s original owner and has the same access to the wallet’s funds as the original owner. Once the bitcoin is transferred out of the account and the transaction is recorded on the blockchain, the money belongs to the original owner forever.

Fraud Risk

Due to the fact that cryptocurrency is simply a cash currency, it has attracted a large number of criminals. These criminals have the ability to hack into cryptocurrency exchanges, drain cryptocurrency wallets, and infect individual computers with cryptocurrency-stealing malware. When more and more transactions take place over the Internet, hackers use spoofing/phishing and malware to attack users, service providers, and storage areas. To secure purchased cryptocurrencies from theft, investors must rely on the strength of their own computer security systems, as well as security systems provided by third parties.

Furthermore, cryptocurrency is heavily dependent on unregulated businesses, some of which may lack adequate internal controls and thus be more vulnerable to fraud and theft than controlled financial institutions. Furthermore, the program must be revised on a regular basis and can be suspicious at times. Buying blockchain technology from vendors could expose you to a lot of third-party danger.

How to buy Bitcoin?

Bitcoin is a form of virtual currency that can be used to make digital transactions or traded in the same way that stocks and bonds can. A bitcoin exchange is needed to buy and sell cryptocurrencies, like Bitcoin. The best cryptocurrency exchanges are secure, affordable, fast to set up, simple to use, and support a wide range of payment methods. Here are our recommendations for the best bitcoin exchanges.

4 Steps to Buy Bitcoin

Decide where to buy bitcoin. Bitcoins can be purchased on a variety of exchanges, including Coinbase and Binance, as well as via conventional stockbrokers who are increasingly allowing their clients to invest in cryptocurrencies. All you have to do is create an account and purchase Bitcoins using a credit card or a money transfer. Other cryptocurrency websites are Binance, Gemini, and Coinmama.

Think about how to store your cryptocurrency. Bitcoins can be deposited in one of two types of digital wallets: hot or cold. Transactions with a hot wallet are typically quicker, while transactions with a cold wallet also have additional security measures that help keep your assets secure but take longer.

With a hot wallet, bitcoin is stored in the cloud by a reputable exchange or provider and accessed via an app or a web browser. Any trading exchange you enter will provide you with a free bitcoin hot wallet, which will automatically store your purchases. Many users, however, prefer to pass and store their bitcoin with a third-party hot wallet, which is usually free to download and use.

While a cold wallet is a lightweight, encrypted device that you can use to download and hold your bitcoin. Cold wallets may be as expensive as $100, but they are much more reliable than hot wallets.

Purchase. Determine how much money you want to put into bitcoin. After you’ve linked your bitcoin wallet to your preferred bitcoin exchange, the final move is the simplest: determining how much bitcoin you want to purchase. Though bitcoin (trading symbol BTC or XBT) made headlines in January when it broke through the $40,000 barrier for the first time, it can be purchased and sold in fractional shares, meaning your initial investment could be as low as $25.

Manage your investment. Make a long-term strategy for this asset. If day trading appeals to you, one choice is to purchase bitcoin now and then sell it if and when its value rises. However, if you believe bitcoin has a bright future as a digital currency, you might want to buy and keep it for the long term. Whatever the strategy, keep in mind that owning bitcoin will result in a complicated tax situation.

About Savy Fox

SavyFox is an investment blog that writes about various interesting investment topics and shares research and opinions with respect to Stocks, Peer 2 Peer Lending, or Crypto Currency investment opportunities.

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