Merry Christmas and Happy Holidays everyone!

Merry Christmas and Happy Holidays everyone!

I'm beginning to wonder if all the people complaining about a lack of educational material on cryptocurrency, are the same people that spent zero time looking into ICOs before diving in the deep end??

DNotes EDU quote of the day -  "You can lead a horse to water but you can't make him drink"

I wish there had been a DNotes EDU in 2013 when I was getting started!

 


eToro Survey: 44% of Investors Identify Education As Main Barrier To Crypto Trading

A new survey from eToro has found that nearly half of online investors state that a lack of educational resources is the main reason for not trading crypto.

The global investment platform commissioned Provoke Insights, an independent market research and strategy firm, to conduct the online survey among 1,000 online investors between the ages of 20 and 65. Notably, it found that education is a key barrier to investors from buying cryptocurrencies, with 44% indicating as such.

Even among Millennials a lack of education is felt, with 40% saying that the main reason they don't invest in cryptocurrencies is due to limited educational resources. However, despite the 2018 bear market, it hasn't done much to slow investors' interest in the industry. In fact, the survey found that 97% of both Millennial and Gen X crypto traders said they are interested in learning more about cryptocurrencies.

Online investors are still keeping their eye on cryptocurrencies, but this survey revealed that there is a serious lack of educational resources available to those who would like to invest in or learn more about crypto, said Guy Hirsch, the U.S. managing director at eToro. As we move toward a future where assets will become increasingly tokenized, it's important to give investors access to the resources they need to invest in the assets they want and truly consider crypto assets as part of their long-term investment plan.

According to the survey, there are limited ways investors are keeping up-to-date with their crypto learning. This is through their online trading platform and social media, at 67% and 43%, respectively. Regarding social media, YouTube and online crypto chat forums seem to be the most used avenues.

Seeking Financial Advice

Of note is the fact that Millennials are more likely to seek out financial advice compared to Gen X or Baby Boomer online investors.

Those within the Millennial camp who plan on using a financial advisor for buying or selling products such as stocks, ETFs or crypto assets is noted at 19%. Yet, only 11% of Gen X and 12% of Baby Boomers indicated they would do the same. Looking six months down the line and the results are only slightly different: 23% for Millennials and 14% for Gen X.

When it comes to those who don't invest in cryptocurrencies, 73% of Millennials said they were more likely to invest if advised by a financial advisor, along with 58% of Gen X and 49% for Baby Boomers.

This makes sense as the top of the Millennial generation is approaching 40 and is starting to accumulate a significant amount of wealth and are looking at their investments over the long-term, said Hirsch. Financial advisors have a lot of opportunity to tap into crypto as an asset class. There is clearly a demand - especially among Millennials - to include crypto assets as part of a long-term investment strategy.

https://www.forbes.com/sites/rebeccacampbell1/2018/12/18/etoro-survey-44-of-investors-identify-education-as-main-barrier-to-crypto-trading/#254e9a6c6728

Wondering what DNotes is all about? Here’s the basics:

What is DNotes?
•   DNotes is a digital currency with a purpose: to serve as a real currency that people can use in their daily lives - unlike other digital currencies that focus on solving niche problems, with no plan to become a real, usable currency.
•   The DNotes goal is simple: achieve mass adoption and become the world’s first accessible, inclusive, and financially empowering digital currency that benefits everyone around the globe.

What are DNotes’ Benefits as a Currency?
•   DNotes is managed as a business – but not controlled as one.
•   DNotes success is driven by a profit-generating company, DNotes Global, created to promote mass adoption, protect the currency, and ensure sustainable growth.
•   DNotes’ unique CRISP savings program rewards DNotes owners with 0.5% interest, every month
•   DNotes offers staking rewards for stakeholders – at 2% a year.
•   DNotes provides blockchain invoicing features to simplify merchant acceptance and adoption of the digital currency.

What Benefits Does DNotes Global Provide?
DNotes Global protects DNotes and its stakeholders, promotes mass adoption, and creates value and utility for the digital currency, including a fully integrated ecosystem.
The company provides a unique cross-ownership model, where DNotes will have 25% of DNotes Global (pre-dilution), while the for-profit business maintains a stake in the digital currency.
DNotes Global generates profit, creating intrinsic value for the DNotes currency to help create a “floor” for the digital currency’s value.
DNotes Global has plans to build a long-term competitive advantage by offering services that utilize DNotes. That strategy will also help to facilitate awareness and adoption of the DNotes currency.
Long term competitive advantage DNotes Global will provide in offering services that utilize DNotes.

What’s Next?
Fully compliant Reg D 506 (c) crowdfunding followed by a Reg A+ Mini-IPO.
DNotes Payment Solution Integration into Existing eCommerce Platforms
Cold Staking Implementation & More

Where can I learn more?  
Pitch Deck - https://dnotesglobal.com/PitchDeck.pptx
Pitch Deck Video - https://www.youtube.com/watch?v=XculeWKdbbE
White Paper - https://dnotesglobal.com/white-paper/
Website - http://dnotescoin.com/
Blog - http://dnotescoin.com/blog-main-hub/

DNotes Pay


DNotes Pay Digital

Use: Selling individual products from a website that can be delivered automatically via a download link or directed to a specific webpage without collecting any information from the buyer.
Integration: Can be integrated into any PHP website.
Instructions:
Edit address.txt and add your DNotes addresses, 1 per line.
Edit index.php and change the 6 Config values at the top.
Upload all files to your web site.
Link to this page via hyperlink or button to accept payments.

https://www.youtube.com/watch?v=4tLDY3RPSbc&t=545s

Features:
Universal PHP/Javascript script.
No database required.
Automatic payment confirmation and product delivery.
No buyer information required.

Script:
https://github.com/DNotesCoin/dnotespay-digital-poc


DNotes Pay Digital - Wordpress Plugin

Use: Selling any number of individual products from a Wordpress website that can be delivered automatically via a download link or directed to a specific webpage without collecting any information from the buyer.
Integration: Can be integrated into any Wordpress website.
Instructions:
Download the plugin and install on your Wordpress website.
Configure your DNotes Pay payment button.
Place the shortcode where ever you would like on your Wordpress website to display the purchase button.

https://www.youtube.com/watch?v=OqKmqHiIXGk

Features:
Easily install on any Wordpress website.
Sell any number of individual products.
Automatic payment confirmation and product delivery.
No buyer information required.

Download Plugin:
https://github.com/DNotesCoin/dnotespay-wp-digital-poc/releases

Source:
https://github.com/DNotesCoin/dnotespay-wp-digital-poc


DNotes Pay Software

Use: Selling software on a Pay Per Period or lifetime purchase automatically and without collecting any information from the buyer.
Integration: Can be integrated into any program, C# example provided.
Instructions:
For C# and .NET applications, modify the code example and integrate into your program.

https://www.youtube.com/watch?v=9myDnwR7SF0

Features:
Automatically accept payments for use of your software.
Novel Pay Per Period model.
Add in any additional security your program may require.
No additional requirements.

Script:
https://github.com/DNotesCoin/dnotespay-sw-poc


DNotes Pay Checkout

Use: Selling products and services for DNotes in your own online shopping cart web store.
Instructions:
https://github.com/DNotesCoin/dnotespay_checkout/blob/master/README.md

Features:
Buyers do not have to wait for blockchain transaction confirmation to finalize their purchase.
Minimal requirements, PHP and database capable hosting.
Flexible solution, integrated with any checkout system including custom carts.

Script:
https://github.com/DNotesCoin/dnotespay_checkout


DNotes Pay Payment Gateway for WooCommerce

Use: Accept payments in your WooCommerce eCommerce website.
Instructions: https://github.com/DNotesCoin/dnotespay_payment_gateway_woocommerce

Features:
WooCommerce is a free and very easy to use and setup eCommerce platform.
DNotes Pay extends the payment functionality to DNotes.
No waiting for transactions, everything is processed on the back end.

Script:
https://wordpress.org/plugins/dnotes-pay-payment-gateway-for-woocommerce/

Q: What is new with DNotes 2.0?

A: DNotes 2.0 is a major improvement on the original DNotes blockchain. The new blockchain will allow DNotes and its partner company DNotes Global to achieve its objective to connect DNotes to the modern world of finance and commerce. The new blockchain is faster, more secure, and consumes only a fraction of the electricity. It also allows custom invoices to be created and attached to transactions, and changes the economic incentives of the network to one that encourages savings with the switch to the Proof-Of-Stake algorithm, and paying 0.5% interest on balances that haven’t moved from a wallet address in a 30 day period (~6% per annum).

Specifications

POS
2% Annualized Staking Reward
Individual blocks reward will be Current Total Coins 525,600 * 0.02
60 Second Block Target
0.005 Transaction Fee
Source: https://github.com/DNotesCoin/DNotes2.0
Download Wallet: http://dnotescoin.com/#Download
Directory DNotes2 (C:\Users\USERNAME\AppData\Roaming\DNotes2 on Windows)
CONF dnotes.conf (all lower case)

DNotes 2.0 Features
Switch to PoS
CRISP Reward - 0.5% interest every 30 days. Awarded by address. Calculated on a 30 day cycle.
Automated Invoicing (First Phase) - Integrated blockchain invoice number

There will be a soft deadline where DNotes mined after that block will not be redeemable for 2.0 coins:
4/16/2018
Block# 2180897
133,574,552 Will be the total swappable amount of DNotes we create
+20,000,000 Allocated to DNotes Global, Inc for Development & Growth Fund
153,574,552 Total DNotes 2.0 Created

The next update (TBD) will include:
Deferred Staking

Q: How do I swap my coins? (after April 16th)

A: The DNotes coin swap process will now be done through a private fork of the legacy DNotes blockchain. We have created this fork to ensure that legacy DNotes holders are still able to swap their legacy DNotes for DNotes 2.0 long after the deadline, in the event they missed the swap. This also ensures we will not be accepting newly purchased or mined DNotes, protecting our users and network.

In order to swap your coins, you will need the following DNotes v1.3 wallet, which you can download here:
http://dnotescoin.com/DNotes/dnotes-qt1-3.zip
You will need to copy your wallet.dat or wallet backup file to C:\Users\USERNAME\AppData\Roaming\DNotes1-3 directory, open the wallet application and allow it to update.
Next, you will need an address to send your legacy DNotes in to for the coin swap, you can generate a legacy address with the following instructions:
Create a DNotesVault.com account if you don’t already have one.
Login to your DNotesVault.com account, and click the HISTORIC tab at the top.
Click Create Address, and send your DNotes to the address you just created.

Coin swaps will be processed once a month until further notice.

Q: What is the cutoff date for mined DNotes that can be swapped to the new DNotes blockchain?

A: We have set April 16th 2018 as the soft deadline. No DNotes mined after this date will be eligible to be swapped to DNotes running on the new blockchain. We will continue swap DNotes after that date, however the process will not be as easy and will take more time. Any DNotes 1.x purchased on exchanges after the 16th will not be eligible for the swap.

Q: Will DNotes 2.0 be listed on new exchanges?

We are currently listed on:
https://mercatox.com/exchange/NOTE/BTC
https://stocks.exchange/trade/NOTE/BTC
https://www.nlexch.com/markets/notebtc
https://bitebtc.com/trade/note_btc

Beta or Future Exchanges we are working with:
https://blockbid.io/

Q: Are the new DNotes 2.0 coins worth the same as the old coins?

A: Yes, they are worth exactly the same. However we can not predict what price movements will occur at exchanges once DNotes is relisted using the new coins.

Q: I have Mac or Specific Linux OS, will there be wallets for these?  

A: Yes!
We currently have Windows Mac Linux Mint Ubuntu Desktop wallets at DNotesCoin.com. If you need something else, please let us know.

Q: Where is the block explorer?

A: https://chainz.cryptoid.info/note/


Staking

Q: What is Staking?

A: Staking your coins helps to support the DNotes network, and the network currently pays out roughly 5 DNotes every minute to one address on the network based on a probability that centers on how many coins the user is staking with as a percentage of the total number of coins being staked on the network. The DNotes network pays out ~2% of the total number of coins per annum. If 100% of DNotes were being used to stake on the network, then by probability each user could expect 2% growth in the number of coins they have. If only 50% of coins are used to stake, then those users could expect approximately 4% growth that year.

Q: Can I stake my coins on the DNotesVault?

A: You cannot currently stake your coins that are on the DNotesVault, you will need to withdraw your DNotes 2.0 to a local wallet and stake your coins from your local wallet. We will in a future release incorporate cold staking, which will allow you stake your coins while they are safely tucked away inside the DNotesVault. However, we do not have an ETA, it will be one of our highest priorities for next upgrades.

Q: How do I stake?

Disclaimer: It is recommended that you properly secure your computer and wallet, as well as make proper backups, before attempting to run your own staking wallet. Failure to properly secure your DNotes may result in loss or theft. If you are not familiar with the process, please start off small and familiarize yourself with the process.

You will need to download the DNotes QT wallet here: http://dnotescoin.com/#Download

Install the wallet (and we recommend creating a backup, after encrypting your wallet)
Go to settings, and then ‘encrypt wallet’. Enter your password twice (and do NOT forget it, or you will not be able to access the wallet and we can not help you).
Go to settings, and then ‘unlock wallet’, enter your password, and select “for staking only”. This will prevent any transfers from being made from your wallet without the password while you stake your coins.
Soon the arrow at the bottom will turn green. This means that your coins are now staking.
   
Video: https://youtu.be/bR66LWPRzAU

Q: How do I get the most out of my staking efforts?

A: There is no trick to staking efficiently. The factors involved are your coin weight versus the network coin weight and coin weight is the number of coins currently staking. The age does not matter, nor does how you divide or move your coins around.

Q: How much can I earn staking?

A: That depends on how many coins you are staking and how many coins are being staked on the network. The blockchain distributes Current Total Coins 525,600 * 0.02 every block, or every 60 seconds. You may calculate how often you are chosen to receive the block reward by dividing your network weight verse your weight. If network weight is 100, and your weight is 5, then you would be chosen for block reward 5 blocks out of every 100.



CRISP

Q: Can I get CRISP reward AND stake at the same time?

A: Yes, the system is designed to allow you to receive CRISP on a wallet you are staking

Q: What is the CRISP reward structure?

A: CRISP periods are every 43,200 blocks (30 day target). Payments start 10,080 blocks (1 week target) from the end of the CRISP period.

Q: What do I need to do to earn CRISP?

A: Keep your coins in the same address for the full CRISP period 30 days, set every 43,200 blocks.

Q: When will I receive CRISP payments?

A: The next payouts are as follows:

May 1 - Ends first CRISP period.
May 8 - Payout starts. (Virtually no one will receive this payout)
June 2 - Ends second CRISP period
June 10 - Payout starts

Roughly.

Q: Do I get CRISP payments at the DNotesVault?

A: Yes! You get CRISP inside the DNotesVault, or at any address you control, such as a Desktop wallet. Though I won't suspect you will be able to get CRISP rewards from the exchanges or other online providers.

Q: Where do the CRISP coins come from?

A: The blockchain, these are newly created coins and have now become part of the new coin distribution, just like the staking reward.

Q: How do I earn the interest reward?

A: Our Cryptocurrency Investment Savings Plan (CRISP) payouts occur approximately once per month. All coins that haven’t moved address during that month period will accrue a 0.5% interest, which compounds to roughly 6.17% per annum. If you move your coins during that time, those coins will not receive the interest for that month.