How to write digital currency as loan contract

1. With the rapid rise of bitcoin, digital currency has entered an era of barbaric growth. At present, there are nearly 1000 kinds of digital currency or procts under the banner of digital currency listed on various trading platforms, and it is said that there are nearly 5000 kinds of procts waiting for the exchange. Hehe, this is the best time and the worst time. It should be said that among so many procts, there must be some outstanding ones who will eventually stand out, become technology leaders and instry benchmarks, and start another wave of miracle of making wealth. However, most digital currency procts will eventually be eliminated, or even become laughingstock and scam. In fact, it seems that many of them are scams now

in the mixed market, how to practice a pair of eyes to identify the authenticity, this paper provides several perspectives for your reference

First, technical basis. The value of bitcoin does not lie in its price, but in its technical basis - blockchain, also known as distributed ledger technology. It is an Internet database technology, characterized by decentralization, openness and transparency, so that everyone can participate in database records. This paper is not a popular science article, and does not do too much entanglement on the technical explanation. But you need to understand the basic characteristics of blockchain. The first is decentralized and intermediary trust. There is no backstage, no manipulation, and no need for a third party. The second feature is its stability, reliability, persistence and security. Because it is a distributed network architecture, no central node can be attacked, so it has stronger stability, reliability and persistence in the overall technical layout. At the same time, the consensus mechanism does not need the entry of a third party, but through a technology, a previously scheled technology to achieve the completion of the whole transaction. The third is the openness, transparency and non tamperability of the transaction. So when we look at digital currency, we must look at its technical basis. Only when the technical basis is in line with the actual digital currency can it have investment value

Second, trading platform. Investment in digital currency is inseparable from the trading platform, so it is very important to choose a reliable trading platform. A good trading platform should have the following characteristics. First, it is fair and impartial. All traders are treated equally without any discrimination, regardless of the size of the transaction volume or the geographical location. In particular, as an exchange, it can not issue money. How can it be fair and just to be a referee and an athlete? Second, freedom of advance and retreat, without artificial barriers and obstacles. Free registration, free use (not transaction costs). There are no restrictions on the freedom of deposit and withdrawal. Your own money is up to you. What needs to be pointed out here is that today's exchanges are all unregulated. They are also in a period of barbaric growth. Like digital currency, there will surely be outstanding people who will become the benchmark after the waves, and there will also be runners who will leave behind a lot of chicken feathers

Third, monetary characteristics. It refers to the characteristics of a digital currency. A look at scarcity, that is, its circulation. Bitcoin is 21 million. There are many behind it. There are tens of billions and hundreds of billions of bitcoin. If the amount of bitcoin is too large, it is difficult to pry. Second, the theme is the entry point and application basis of a digital currency, from which we can see the social responsibility and existence of the digital currency. Nowadays, there are various themes, such as tips, watching Japanese AV, keeping virtual pets, naming planets, symbiotic economy, and so on. Different people have different opinions, but human society still has common basic values. As an investment, we should firmly grasp this point

Team background. The spirit of enterprise is the embodiment of human spirit. What a liar opens can only be a liar company. Therefore, in the face of a digital currency, it is also important to understand the background of its creative team members. What is the common goal of the team? What are the common interests? Which stage of development is currently in? This seems to be a bit difficult, but because we have the Internet, we can still do it, just don't believe what he said

digital currency investment, in the final analysis, is a technological activity, the key lies in learning and communication. Finally, the value of bitcoin lies in that it has led an era and successfully carried out a popular science ecation for the people on earth. In the future, the dominant digital currency will be the kind of digital currency that covers the world and is endorsed by the common value (such as gold), at least at a certain stage

the Internet will not die out, and digital currency will eventually move towards standardization and orthodoxy. As an investor, are you ready

2. The depreciation rate of digital currency is basically calculated by seconds. There is no gain but loss in speculation
When did you ask him to earn it
being cheated once is unknowable, but being cheated twice is excusable. Being cheated three times is a muscle. Being cheated four times or more, I can only say that there are too few cheaters in the world to be used by your father alone.

3.

Digital currency is a kind of legal tender, which must be issued by the central bank. Both digital gold coin and cryptocurrency belong to digital currency, which is not a network virtual currency, because it is not limited to virtual space, but is often used for real goods and services transactions, such as bitcoin, Wright coin, bitstock, etc. at present, there are thousands of digital currencies issued around the world

extended data:

1. Impact on financial infrastructure

the decentralized mechanism of value exchange based on distributed ledger technology has changed the basic settings of gross and net settlement on which financial market infrastructure depends. The use of distributed ledgers also poses challenges to trading, clearing and settlement, as it promotes the disintermediation of traditional service providers in different markets and infrastructures. These changes may have potential impacts on market infrastructure other than retail payment systems, such as large payment systems, securities settlement systems or trading databases

If digital currency and distributed ledger based technology are widely used, it will bring challenges to the intermediary role of financial system participants, especially banks. As a financial intermediary, banks perform the ties of acting supervisors and supervise borrowers on behalf of depositors. Usually, banks also carry out liquidity and maturity conversion business to realize the financing from depositors to borrowers. If digital currency and distributed ledger are widely used, any subsequent disintermediation may have an impact on savings or credit evaluation mechanisms

4. At present, many people are doing the business of RMB / usdt in mortgage currency, but the reputation risk of the platform is relatively high. It is possible to misappropriate the user's money or store it in this way. Therefore, Xiao should evaluate the security of the platform from the following aspects:
1. Team. The team is not real name, is not in the country. Do you often show up in the instry. The domestic team can at least trace back to the end. People are all abroad, there is no guarantee
2. Platform resources. What are the background resources of the platform, whether there is relatively large institutional support, and whether the operation time is long enough, so that the brand credibility is higher if it is long enough
3. Technology. Xiao generally doesn't know how to evaluate the technology, just to see if there are frequent bugs and so on. The customer service feedback of the platform is timely. In addition, a third-party well-known security company audit is the best
morecoin.com mushroom digital asset lending matching platform has been running safely for two years, with a safe collection of over 500 million yuan. Accept the safety audit of slow fog technology. Welcome to experience and consult.

5. Ete digital currency platform to buy a house can sign a contract, from the house to hand over all intelligent! It's very convenient

6. China currency platform has mortgage loan. You can learn about
, mortgage currency
and see what others say.

7. Digital currency is digital currency. There is no need to describe it. At most, it is unnecessary to describe it clearly and give more details
digital currency generally refers to bitcoin, Leyte coin, Ruitai coin, vitality coin, dog coin and other digital cryptocurrencies.

8. Model of private indivial debit note: now party a borrows from Party B for (purpose): \\\\, The loan shall not be used for other purposes, otherwise Party B may recover the loan in advance and demand the payment of interest. 1、 Loan amount: RMB (in figures)______ Yuan (in words)__________ Yuan. 2、 The interest rate is ￠% per month Uppercase). % per year (in capitals)______ calculation. 3、 The term of the loan is__ Months, since__ Year_ Month_ Day to__ Year_ Month_ Day. 4、 The maturity date of the loan is__ Year_ Month_ One time repayment of principal and interest. If it fails to pay when it is e, it can continue to calculate according to the agreed interest, and pay an additional ￠% Fine for overe payment. The guarantor shall be jointly and severally liable for the principal, interest and overe fine. The private loan contract should include these contents: 1. Loan types are mainly divided according to the instry attribute of the borrower, the purpose of the loan, the source of funds and the mode of application. According to different types of loans, the national credit policy has different provisions in terms of loan limits and interest rates, so as to reflect the credit principle of differential treatment and preferential support. Therefore, the loan contract must specify the type of loan, which is an essential main clause of the loan contract. 2. Borrowing currency borrowing currency is the type of the object of the loan contract. Besides RMB, the subject matter of the loan contract also includes some foreign currencies, such as US dollar, Japanese yen, euro, etc. Different kinds of currency have different interest rates, and the loan contract should specify the types of currency. 3. How to establish a private loan contract: a loan contract is a contract in which the borrower borrows from the lender, returns the loan and pays the interest when it is e. Therefore, the parties to the loan contract are the lender and the borrower respectively. A lender is a person who lends money to others; A borrower is a person who borrows money from a lender. A written contract shall be signed as far as possible when signing a private loan contract. In real life, some lenders often because the other party is relatives and friends, e to the face or out of trust, loan without a written evidence. In this way, once the borrower denies, it is difficult for the lender to protect the creditor's rights. Even if the lawsuit goes to the court, it will lose because of the lack of proof. Therefore, the lender must enter into a written loan agreement with the borrower, stating the name, loan type, currency, amount, time, term, purpose, interest rate, repayment method, guarantor, liability for breach of contract, etc. of both parties, sign and pledge, and each party shall hold one and keep it properly. According to general experience, an IOU is legal and valid as long as it includes the main contents such as the lender, the borrower, the loan amount, and the loan time. The standard IOU should have the following contents: (1) write clearly the full legal names of the borrower and the lender 2 Write down the loan amount, including the amount in words and figures 3 Write clearly the time limit of the loan, including the beginning and ending date of the loan and the definite loan period 4 Write clearly the interest of the loan, there should be a clear annual interest rate or monthly interest rate, the total amount of loan interest that should be paid finally 5 The date of repayment of principal and interest of the loan and the method of payment should be clearly written 6 It shall be signed by the borrower himself or herself. When writing the "debit note", we should pay attention to several problems: we should make clear the real names of the borrower and the lender (the ones registered in the ID card and household register shall prevail), and make clear the borrower's work, address, income, property and other personal conditions. In the lower right corner of the "IOU", the borrower signs his real name in person. Signature is equal to confirming the content stated in the "IOU". Without signature, it is equal to no confirmation. If the borrower does not approve it later, without signature or pseudonym, it may not get the support of the court; It's better to agree on interest, repayment period, repayment method, etc“ The "IOU" must clearly record the fact of the loan. If the content is not clearly expressed or the number is not clear, and the borrower does not approve of the dispute, the litigation risk is very high. As for the loan amount, it is better to write it in Arabic numerals first, and then write it in capital Chinese“ The limitation of action of "IOU". If the borrower fails to pay off the debt within the agreed repayment period, the lender may file a lawsuit to the court within two years from the date of expiration of the repayment period. If the repayment period exceeds two years, the limitation of action will be exceeded, and the court will not support the claim; 2、 Whether the IOU has been changed is still valid depends on whether it constitutes a substantial impact. The other party asked someone to imitate your handwriting, adding interest content. The increased interest is invalid. As for the loan principal, there is no substantial impact, so the principal part is effective