Broken Angle

The report, released Oct.17, concluded that digital payments, including cryptocurrencies like bitcoin, have grown sharply all around the world, and “are experiencing a boom, driven by developing markets”, including Africa.

Ghana and Kenya, the 11th and 9th biggest economies in Africa, respectively, are still in the consultation phase. Nigeria, the continent’s biggest economy, with a GDP of $376 billion, is opposed to virtual currency, officials have said. The central banks of Kenya and Nigeria have both likened cryptocurrencies to a “pyramid scheme.”

“The central bank of Nigeria has also imposed a complete ban on bitcoin and the likes, while Brazil also has banned cryptocurrency,” said the report, which detailed that global cashless transactions rose 10.1 percent to 482.6 billion at the end of 2016. Non-cash transactions include checks, debit cards, credit card payments, credit transfers and direct debit transactions.

Africa has steadily accelerated the switch to modern technologies. Cellphone-based payments have expanded particularly fast in countries like Kenya, Uganda and Zimbabwe. But it is South Africa, the continent’s most sophisticated economy, that leads the pack where cryptocurrency regulation, adoption and development is concerned.

The economy is home to a number of bitcoin ATMs and digital currency exchanges – including Luno, which has two million customers throughout the world – allowing people to buy and sell digital coins in the local fiat currency, rand. Domestic financial companies, including banks, are starting to step into the space. On Monday, Standard Bank said it is looking to establish a number of events to help explain the benefits and risks of cryptocurrency and the blockchain.

This is all thanks to the open-mindedness of the South African Reserve Bank (SARB). Although the regulator does not recognize cryptocurrency as legal tender, it has not prevented trade in such. In April, the bank announced plans to create guidelines for cryptocurrency markets in the country. SARB has also tested an inter-bank settlement system code named Project Kohka, which runs on the Ethereum blockchain, aiming to speed up payments.

Meanwhile, the World Payments Report – based on data from the World Bank, the Bank for International Settlements and the European Central Bank’s statistical database – showed that developing markets are at the forefront of a global boom in digital payments, with Russia (annual growth of 36.5 percent), India (33.2 percent) and China (25.8 percent) as notable movers in the 2015-16 period.

Mature markets maintained steady growth of more than 7 percent in the period under review. Developing markets are seen growing 21.6 percent, led by Asia at 28.8 percent over the next five years. By 2021, developing markets are expected to account for around half of all non-cash transactions worldwide, overtaking the mature markets for the first time, whose current share stands at 66.3 percent.

Anirban Bose, CEO of Capgemini’s Financial Services, said it is critical for banks to find ways to tap into cryptocurrencies and other non-cash payment methods if they are to remain relevant.

The report further indicated that high numbers of non-cash transactions can provide benefits to the society, addressing growing challenges of corruption – especially in Africa. This is because non-cash transactions share a positive linear correlation with corruption perception index.

This probably emanates from the fact that digital transactions from financial institutions and mobile money can be more easily traced than cash, hence can allow law enforcement agents to investigate and prosecute the suspicious transactions. The WPR report also noted that the more payments are shifted to cashless instruments, the more likely that huge cash transactions can be “flagged and investigated, reducing the possible means of accepting illicit or fraudulent payments.”

“Governments should create the necessary supply-side push for such transactions by creating the supporting infrastructure, bringing positive change with regulations, and promoting non-cash transations to create a conducive environment for digital transactions to grow,” the report warned.

What do you think about the cryptocurrency landscape in Africa? Let us know what you think in the comments section below.

Images courtesy of Shutterstock.

Verify and track bitcoin cash transactions on our BCH Block Explorer, the best of its kind anywhere in the world. Also, keep up with your holdings, BCH and other coins, on our market charts at Satoshi Pulse, another original and free service from Bitcoin.com

In this guide we will walk you through setting up your very own cold storage wallet. Before diving into the process, you may be wondering what is cold storage?

In simple terms, cold storage refers to keeping your Bitcoin completely offline. Cold storage, also known as a cold storage wallet, is the opposite of a hot wallet where your Bitcoin is kept online. Since Bitcoin is a digital asset, keeping them online increases your risk or attack surface for having your bitcoin stolen when kept online using a custodial service. By keeping your bitcoin in cold storage, your attack surface is greatly diminished.

Getting started

The first step to getting your Bitcoin into cold storage is creating an offline Bitcoin address. This address will have both a public and private key-pair which never goes online (until you’re ready to spend it). With this guide, we will show you how to make a free cold storage wallet using the paper wallet method.

Setting up a paper wallet

Setting up your cold storage paper wallet is fairly simple and requires very little technical knowledge. The first step will be to go to the Bitcoin.com paper wallet tool here.

Before doing anything else, while on this page you will want to save it locally to your computer. To save a web page to your local machine, press Ctrl-S and save the file as a complete webpage (to your desktop for example). After saving, simply close out the open Bitcoin.com paper wallet tool page. Then disconnect your computer from the internet; don’t worry, you only need it offline temporarily for this task.

After disconnecting from the internet, open the saved file (on your desktop). Move your mouse around on the page and/or type some random characters into the text box to create extra entropy (randomness). By doing this, you create a random Bitcoin address that has both a public and private key-pair. Since you saved the file locally and are not connected to the internet, the Bitcoin address you created was done completely offline.

Print the page

The next step is making an offline copy of your Bitcoin address which you can later load with Bitcoin for a complete cold storage solution. While on the locally saved paper wallet page, while still disconnected from the internet, click on the Print button. Warning: before printing the page, make sure your printer is also offline (not connected to the internet through wifi for example). Once you are sure, print the page. Congratulations, the hard part is over! You have now created an offline Bitcoin address and made a hard copy of it locally for safekeeping. On the printed page should be the public Bitcoin address and QR code with the corresponding private key and QR code. We strongly recommend that you store the paper wallet somewhere secure, such as a fireproof safe. You can now safely connect back to the internet.

How does this work?

The Bitcoin.com paper wallet tool is a client-side address generator, which generates public and private Bitcoin key-pairs locally through your browser. The benefit of this technique is you can load the JavaScript locally and trust that the JavaScript did not change after being loaded. The tool is open source and the code can be reviewed at any time. Also, make sure you never share your private key with anyone or online.

Adding funds to your cold storage wallet

The next step is you want to add bitcoin to the wallet. Just like with any other bitcoin transaction, using a wallet you may have online, scan the public cold storage wallet QR code or copy the address, and send funds to your cold storage. You can check the status of the funds at anytime using a Bitcoin block explorer.

Redeeming bitcoin from cold storage

When you are ready to spend from your cold storage wallet, you will need to import the private key to a Bitcoin wallet that is online. Any wallet that supports importing private keys will work. For example, if you download the Bitcoin Unlimited wallet (which is a full Bitcoin client) you can import the private key. To do so, simply follow these steps:

Another alternative online web wallet that supports importing private keys is Blockchain.info. To import your private key on this wallet, simply follow these steps:

• Open the online wallet

• Click on Settings and then click on Addresses

• Click on Import Address

• Copy and paste the cold storage private key and click Import/transfer

• You can safely archive the old address and transfer the funds to your wallet

The main cause of yellow teeth is due to bad habits such as drinking coffee, drinking tea and smoking, but rarely toothbrushes. The content of nicotine in cigarettes, tannin in tea and caffeine in coffee is the biggest cause of yellowing of teeth.

Having yellow teeth is certainly not something fun. Besides being able to reduce self-confidence when talking to someone, yellow teeth certainly indicate that our teeth are not healthy. For this reason, immediate handling is needed to overcome this.

The easiest and quickest way to deal with yellow teeth is of course by going to the dentist and cleaning tartar. But of course, this requires a cost that is not cheap.

Before you decide to come to the dentist, maybe the following natural ways can be a cheap alternative that you can try to restore the color of your teeth to pure white. Here's how to whiten yellow teeth naturally.

8 ways to whiten natural teeth.

1. Brushing teeth

Brushing it regularly is the best way to keep your teeth clean. But if the teeth are already yellowing, special toothpaste is needed.



One recommended toothpaste is AP-24 Whitening Fluoride Toothpaste. This toothpaste is a product of NU Skin, a provider of beauty and health care products from America. AP-24 Whitening Fluoride Toothpaste is a toothpaste made from leading scientific ingredients and useful formulas. It is very useful to lighten teeth without peroxide while preventing cavities and preventing the formation of plaque on the teeth. With a soft vanilla mint formula that makes a fresh breath, with just one brush, the fresh and clean taste is felt throughout the day.

2. Siwak

Siwak has long been known as a tooth cleaner long before the presence of toothpaste. Using siwak or miswak is one way to whiten teeth.

3. Orange Skin

the content of vitamin C contained in orange peel can be used to whiten teeth. How to use it is quite simple, just rub the inner orange skin (which is white) on the teeth.



Do it regularly every day and the teeth will turn white naturally and quickly.

4. Eat fruits and vegetables

Consuming fruits and also useful as natural ingredients for teeth whitening

5. Baking soda

Baking soda is also known to be able to remove stains on the tooth layer

6. Stop smoking

Are you a smoker? If so, immediately stop smoking because nicotine content in cigarette smoke can make your teeth yellow

7. Areca nuts

Areca nuts are also one of the natural ingredients for whitening teeth. How to use it is by burning the areca nut seeds until charred and mashed until smooth. The fine betel seeds are then rubbed into the teeth using betel nut or cotton cloth.

8. Milk and yogurt

Calcium found in milk and yogurt besides being useful for strengthening teeth is also useful for whitening teeth.

Well, that's 8 ways to whiten yellow teeth naturally, if you've tried the above method and the results are still zero, maybe you can use a tooth whitening paste product. Whitening toothpaste products are usually very effective to restore the natural whiteness of teeth due to smoking, birth, and other causes.

That's 8 ways to whiten natural teeth that you can follow.

How does it feel if you are somewhere in a small space with your friend, suddenly the smell of super-stinging smell on your nose comes from the armpit of your friend. then what if that happens to you. Maybe you just immediately feel inferior and feel bad about the stinging smell.

Body odor is caused by excessive sweating on the body and an unpleasant odor, this is due to mold or germs mixed with sweat. But the sweat that comes out is one of the body's metabolic activities that must be passed every day to get rid of substances that are no longer needed by the body or metabolic waste.

here I share a natural way to eliminate stinging body odor.

1. Betel leaf

Betel leaf is a natural ingredient that has many benefits and one of them is to eliminate body odor and underarm quickly. because in betel leaves there is a content of antioxidants that are able to kill germs and fungi.

How to use it by boiling approximately 9-10 betel leaves and use the results of the stew to take a bath or you can also drink it. Regular use will quickly eliminate body odor.

2. Basil leaves

Basil leaves have a distinctive odor and contain aksirin oil. How to use it to eat basil leaves regularly so that body odor is gone. Basil leaves are often used as fresh vegetables for food. this indeed aims to eliminate bad breath after eating meat. besides, it can also be used to eliminate body odor.

3. With Radish

You must know with this one vegetable, bro. You can get radishes in the traditional markets or the nearest supermarket. How do you make juice from radish then fill it in your former perfume bottle. Bring the radish juice everywhere you go, and spray it into the armpit at times when your armpit starts to smell.

4. Tomato Porridge

Tomatoes are also able to eliminate your underarm odor. Prepare 1-2 tomatoes and stir until they become porridge. Then apply tomato porridge to your armpit evenly. Leave for about 15 minutes, then rinse with clean water. Do this within a few weeks, surely your underarm odor will decrease and even disappear in a short time.

5. Beluntas leaves

Plants that contain alkaline substances and contain a strong aroma. How to use it to get rid of body odor by using beluntas leaves as raw salad ingredients or you can boil them first then drink the boiled water.

6. Lime

Lime is indeed a fruit that has many benefits whether it's in the field of cooking, health, and beauty. One of them is to remove stubborn acne scars with lime.

The way is to cut the lime thin, then sprinkle with a little whiting. then apply to the armpit and let stand for 10 minutes. Then rinse it with clean water. Do this method consistently to get maximum results.

7. Cloves

Cloves contain active ingredients for anti-inflammatory and anti-bacterial properties that you can use to make natural deodorants. How to soak the clove in warm water until it expands, then drink the soaking water or you can also rub it on the armpit area and don't forget to rinse it using clean water.

8. Rhizomes of Temulawak

Curcuma rhizome also contains aksirin oil which can overcome body odor. The method is grated ginger then apply to the part that often sweats or you can also drink ginger juice to remove underarm odor. Do it regularly to speed up your underarm odor.

9. White Water Consumption

By consuming water regularly, the circulation of water in your body will be smooth. Water is useful for producing healthy sweat without odor. Try to compare the smell of sweat if you have a larger portion of drink than drinking water. Drink enough water, at least eight glasses a day.

So natural ingredients that you can use to eliminate stinging and permanent underarm odor. You can try one of several ways above. Make sure you do it regularly. if irritation and other problems appear on your underarm skin, stop using the ingredients immediately and quickly take the hospital.

In the United States, public universities or state universities are either state universities or universities that are funded by the local government. In some cases, this higher education institution is part of the state university system, while in other cases it is not. Some US regions also manage colleges and other public universities.

The US federal government does not manage academies or universities except service academies, Community College of Air Force, Naval Postgraduate Schools, Air Force Institute of Technology, University Service Uniform Health Sciences, military war academies, and college staff, and Haskell Indian Nations University. In addition, Georgetown University, Gallaudet University, Howard University and the American University are private, federally hired universities. However, the federal government does provide grants to state universities.

This is a List of Universities On My Favorite in the United States .

1.  Universitas Hardvard

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