Lending on virtual currency

1. It is a civil economic dispute< There are two types of economic disputes:
one is economic contract disputes, such as sales contract disputes, loan contract disputes, contract disputes, construction project contract disputes, technology contract disputes, etc
Second, economic tort disputes; Such as intellectual property rights (such as patent rights, trademark rights) infringement disputes, ownership infringement disputes, management rights infringement disputes. In the market economy, the contract is a legal and universal form in which the equal market subjects establish the transaction relationship, jointly implement the transaction behavior, and pursue and realize the economic purpose. Therefore, the contract dispute is the main part of the economic dispute
virtual currency refers to non real currency. Well known virtual currencies, such as online currency of Internet company, QQ currency of Tencent company, q-point and voucher of Shanda company, micro currency launched by Sina (used for micro games, Sina reading, etc.), chivalrous Yuanbao (used for chivalrous road game), grain silver (used for bixue Qingtian game), and popular digital currencies in 2013, such as bitcoin, Laite currency, Fuyuan currency, etc. At present, hundreds of digital currencies are issued all over the world. Popular in the circle & quot; The legend of "bitkin, Wright silver".

2.

It is illegal to issue virtual currency privately

According to Article 29 of the regulations of the people's Republic of China on the administration of RMB, no unit or indivial is allowed to print or sell token tickets to replace RMB in circulation on the market

In addition, the "emergency notice of the State Council Office for rectifying unhealthy tendencies in the instry, the State Economic and Trade Commission and the people's Bank of China on prohibiting the issuance and use of various token certificates (cards)" also strictly prohibited similar issues

extended data

virtual currency refers to non real currency. Well known virtual currencies, such as online currency of Internet company, q-coin of Tencent company, q-point and voucher of Shanda company, micro currency launched by Sina (used for micro games, Sina reading, etc.), chivalrous Yuanbao (used for chivalrous road game), silver grain (used for bixue Qingtian game), and popular digital currencies in 2013 include bitcoin, Laite coin, infinite coin, quark coin, zeta coin, etc Barbecue coins, pennies (Internet), invisible gold bars, red coins, prime coins. At present, hundreds of digital currencies are issued all over the world. Popular in the circle & quot; The legend of "bitcoin, Wright silver, infinite copper, pennies aluminum"

market formation

the Internet has led to the emergence of a new market, which is a virtual market based on cyberspace. The Internet provides a lot of communication places for consumers, and also provides business market for enterprises. Enterprises must change from proct centered to service centered to customer centered. With the development of computer artificial intelligence technology and database technology, enterprises can conveniently collect customers' information, understand customers' needs in time, change business strategies and grasp economic arteries in real time

With the rapid development of computer and network communication technology, the application of Internet technology has graally penetrated into various fields of human activities, and the unlimited business opportunities that it contains make businesses turn their eyes to e-commerce. E-commerce is penetrating into all aspects of social and economic life at a speed that people can hardly imagine

the traditional finance is also closely watching this irresistible trend of global economic integration and networking. As a result, value-added services take art as the selling point and can be regarded as commodities; The sword in the game is not a brand-new financial services business philosophy - e-finance came into being

from the historical development process, to understand e-finance, we must start from the electronic finance and e-commerce. The so-called e-financialization means that financial enterprises adopt modern communication, computer, network and other information technology means in addition to Internet technology to improve the work efficiency of traditional financial service business, rece operating costs, realize the automation of financial business processing, informatization of financial enterprise management and scientific decision-making, and provide customers with faster and more convenient services, And then enhance the financial enterprise is the behavior of market competitive advantage

e-finance is a transcendence of financial electronization. Different from the electronic finance, the main technical basis of e-finance operation is the increasingly perfect Internet technology. Due to the characteristics of global connectivity, openness, quickness and low marginal cost of Internet technology, e-finance strengthens the restructuring and innovation of financial services business based on Internet technology, so that customers are free from the restrictions of business hours and places, and enjoy all kinds of high-quality and low-cost services provided by financial enterprises anytime and anywhere

with the development of Internet, the form of money is becoming more virtual, and there is an electronic money that only exists in the form of electronic signal

reference source: Network: virtual currency

3.

Virtual currency is the currency used for electronic circulation. Now the scope of virtual currency is very large, including q-coin, bitcoin and so on. With the development of digital currency, virtual currency is becoming more and more abundant, which may become the mainstream in the future. For example, BTC, EOS, bcbot and so on are not only virtual currencies, but also algorithms, landing projects and technologies

virtual currency is mainly issued by online game service providers to purchase game props, such as equipment, clothing, etc. But at present, the use of virtual currency has gone far beyond this category. Virtual currency can be used to buy game cards, physical objects and download services of some movies and software

extended data:

real risk

as the proct of e-commerce, virtual currency has begun to play an increasingly important role, and it is more and more connected with the real world. However, with the growth of virtual currency, the relevant laws and regulations are lagging behind, which has laid many hidden dangers

fraud

the private transaction of online virtual currency has realized the two-way circulation between virtual currency and RMB to a certain extent. The activity of these traders is to buy all kinds of virtual currencies and procts at a low price, and then sell them at a high price to earn profits. With the increase of such transactions, there are even virtual mints. In addition to the virtual currency provided by the main company, there are also some people who specialize in "virtual coin making" to obtain virtual currency by playing games and then resell it to other players

Taking Wenzhou as an example, there are about seven or eight such "virtual mints" with four or five hundred practitioners. This not only creates a bubble for the price of the virtual currency itself, but also causes trouble for the normal sale of the issuing company. It also provides a platform for selling and collecting money and money laundering for various cyber crimes. p>

impact system

in modern financial system, the issuers of money are generally central banks, which are responsible for the management and supervision of money operation. As the equivalent exchange goods used to replace the real currency circulation on the Internet, the virtual currency on the Internet is essentially the same as the real currency. The difference is that the issuers are no longer central banks, but Internet companies

if the development of virtual currency makes it form a unified market, each company can exchange with each other, or virtual currency is integrated and unified, and all of them are based on the same standard and price, then in a sense, virtual currency is currency, which is likely to form a threat impact on the traditional financial system or economic operation

reference: network virtual currency

4. 1. Ledger wallet
ledger wallet is a hardware wallet with general ease of use and high security
ledger, a manufacturer of bitcoin hardware wallet, is one of the leading companies in the field of digital currency security, which can provide reliable hardware for consumers and enterprises. Ledger is a bitcoin hardware wallet based on smart card, which provides the highest level of protection with advanced technology, as well as usability and controllability. Ledger hardware wallet is a multi-functional wallet. It is a hardware device that can store private key safely. When viewing wallet and sending transaction, hardware wallet needs to cooperate with software wallet to use. At the same time, it supports secure storage of bitcoin, Ethereum and platform token, zcash, etc. Its project is already open source on GitHub. Based on its hardware devices, you can use either the software wallet developed by ledger or the software wallet developed by other teams, that is, you can use ledger with Ethereum web wallet myetherwallet or parity wallet
2. Trezor
trezor is easy to use and safe, so it belongs to hardware wallet
trezor is a high-tech data encryption memory. The proct is proced in Czech Republic. This brand is recognized in the instry as the earliest, most cautious and most secure encrypted memory, and has been verified by global digital currency players as a reliable brand with excellent company record and rich software support. Trezor's security model is based on the principle of zero trust. The principle of zero trust is a security system that assumes that any part of it may be attacked successfully
3. Opendime
opendime is a hardware wallet with general usability and high security
opendime, a manufacturer of bitcoin hardware wallets, is one of the "leading technology" companies in the field of digital currency security. It is affiliated to coinkite, a bitcoin enterprise in Canada, which provides services for bitcoin and lightcoin wallets, as well as payment terminals. Legal currencies supported include US dollar, RMB, euro, Canadian dollar, British pound, Polish zloty, Russian ruble, Australian dollar, Japanese yen, Brazilian currency, Swedish krona, etc. Opendime is a hardware wallet, its private key is generated inside the device, and will not be known by anyone, not even you! Opendime multilingual user interface: Chinese, Japanese, English, Portuguese, French, German, French bring convenience to you
4. Kushen wallet
Kushen wallet is easy to use and safe, and belongs to mobile phone and hardware wallet
the English name of Kushen wallet is coldlar. Kushen wallet belongs to Beijing Kushen Information Technology Co., Ltd. It is a technology company focusing on providing secure storage solutions for encrypted assets. Kushen company is deeply engaged in blockchain security technology, providing various forms of personal wallet procts such as hardware wallet, mobile app wallet, cloud wallet and multi signature wallet, as well as professional enterprise wallet procts. The hardware wallet adopts the "hot and cold separation" architecture, and uses various data encryption transmission methods such as QR code, Bluetooth, NFC, etc. to make the private key never touch the network, completely eliminate the risk of private key being stolen by network hackers, and realize the safe storage of a variety of encrypted assets
5. Bitgo
bitgo is a computer wallet with average ease of use and medium security
bitgo is a high security multi signature wallet, which protects your bitcoin from being stolen and lost. You keep your wallet on your own; Bitgo cannot spend or freeze money. Multiple bitgo wallets are also easy to use and provide advanced security features such as consumption restrictions and multi-user access
6. Keepkey
keepkey is a hardware wallet with high ease of use and medium security
keepkey is a hardware wallet to protect your digital assets such as bitcoin and Ethereum from hackers and thieves. Keepkey wallet supports multi currency hardware wallet, which is currently acquired by shapeshift. Keepkey adopts a unique recovery mechanism, which makes it more secure to use. This mechanism allows users to recover in 12 words. Additional security means that users do not need to store private keys on the device. They can recover their private keys and transactions and then erase the records on the device. This is currently the safest way to store bitcoin
7. Wookong
wookong is a hardware wallet with high ease of use and high security
wookong is a professional encryption digital asset escrow solution (Patent No.: zl201710884108.5) which combines high-strength cryptography algorithm and high-level financial security hardware solution. It has higher security than multi signature wallet and cold wallet. Main customers: financial institutions, exchanges and teams with higher security requirements than ordinary hardware cold wallets and multi signature wallets
8. Coinbase
coinbase is easy to use, medium security, and belongs to mobile phone and computer wallet
coinbase wallets, coinbase wallets come from Toshi wallets, and coinbase wallets are redefining the encrypted wallets that users expect. It's not just a tool for accessing cryptocurrency, you can see it as a foothold for exploring distributed networks. With coinbase wallet, you can: manage Eth and all your ecr-20 currencies (BTC, BCH and LTC will soon be supported); Receive airdrop and ICO currency; Purchase and store cryptocurrency (non replaceable currency, but can be used in the game or traded in the market); Can carry on the currency transaction without the service charge with any person in any place; Buying and selling currency through mass exchange or agent; It can access any third-party dapps to realize the functions of borrowing or lending to earn cryptocurrency by others in the blockchain through verification, service execution or task completion
9. Imtoken
imtoken is easy to use, medium security and belongs to mobile wallet
as a professional digital asset wallet, imtoken wallet is safe and easy to use; Support multi chain and multi currency management and exchange, so that blockchain technology can be better integrated into your life. Imtoken's vision is to make economic incentives consistent, privacy inviolable and value flow freely
imtoken has recently obtained a round a investment of IDG capital of US $10 million. He bin, founder and CEO of imtoken, said that this round of financing will support the development of imtoken's overseas market and the reserve of more technical talents
10. Atoken
atoken is easy to use, medium security and belongs to mobile wallet
atoken mobile digital currency wallet is light and safe, and supports 19 Currencies & Cross Chain swap. It aims to provide more convenient, more secure and more currency multi-dimensional services for the majority of digital currency users, and to build a leader in digital asset storage app.

5. When the currency is online to the exchange, it is called online currency, which means online this project

6. Ethereum is a blockchain. Compared with bitcoin, it can increase smart contracts, complete Turing and faster network speed. Etherem has a lot of block chain procts, such as digix, gold Internet of things and so on.

7. In 2004, Zopa was the first peer-to-peer lending company. Ten years ago, Zopa applied for sharing economy lending. If we regard bitcoin trading network as the total account list of bitcoin trading network, then if it is not on the list... Many people are asking - what is bitcoin? Can we still buy it? Can't we buy it

8. Are there too many swindlers or too few fools? This is obviously a liar, less money plate to play, do not be too naive to ask for other people's interest, it is people want your principal.

9. In fact, there is no better way to solve the problem of virtual currency fraud. We can only collect evidence as much as possible to call the police and seek the help of the police, but most of the police will not put on file to intervene in the investigation. The most ideal solution is to negotiate and see if we can recover certain losses. Of course, it can also be exposed through the media channels, and some losses can be recovered under the deterrence of media exposure. If you need a private letter, you may be able to help
if you don't know much about virtual currency, it is recommended to go to bitcoin house to make up for it. If you want to play virtual currency, it is recommended to go to some virtual currencies with good application scenarios. Bitcoin is the originator of digital cryptocurrency, a small-scale social experiment; Dog Coin focuses on charity and small reward; Ruitai coin is an asset packaging system using blockchain technology; Thousand gold card is mainly used in mall payment.