​
EXPERIMENT - Tracking Top 10 Cryptos of 2018 - Month 31 -74%
See the full blog post with all the tables here.
tl;dr: purchased $100 of Top Ten Cryptos in Jan. 2018, haven't sold or traded, repeated in 2019 and 2020, update y'all monthly. July was very strong for crypto. For 2018 Top Ten: ADA finished the month on top. ETH and XRP also very strong. Overall, BTC still waaaay in the lead and is approaching break even point. Three cryptos (IOTA,NEM, DASH) have lost over 90% of value. Over three years, cryptos outperforming S&P if I'd taken a similar approach.

Month Thirty One – Down 74%

Summary after 31 months
Crypto came roaring back in July after an almost all-red June. Each crypto in the 2018 Top Ten finished July at a significantly higher value, led by ADA which ended the month +57%.

Question of the month:

Which member of all three Top Ten Crypto Index Fund Experiments turned 5 years old in July?

A) Bitcoin B) Ethereum C) Bitcoin Cash D) XRP
Scroll down for the answer.

Ranking and July Winners and Losers

Not a ton of movement for the 2018 Top Ten group this month. Cardano and XRP both climbed one position while NEM gained two, clawing itself back into the Top Thirty. Dash headed in the other direction, dropping two places in the rankings.
Considering all that has changed in the world of crypto since the beginning of 2018, it’s interesting to note that only four out of the ten cryptos that started 2018 in the Top Ten have dropped out. NEM, Dash, IOTA, and Stellar have been replaced by Binance Coin, Tether, BSV, and newcomer CRO.
July Winners – It was a very strong month: all cryptos made significant gains in July. But for the third month in a row ADA outperformed the field, gaining +57% in July. ETH finished a close second, up +55% followed by XRP which gained +52%.
July Losers – Even during a good month, NEM can’t catch a break. Its +23% gain made it the worst performer of the 2018 Top Ten.
How has your favorite crypto fared over the first 31 months of the 2018 Top Ten Crypto Index Fund Experiment?
Bitcoin still has the most monthly wins (7) but look at this: thanks to its strong 2020 including three straight monthly wins, Cardano is now right behind BTC with 6 monthly wins. Which project has the most monthly losses? NEM stands alone with 6. Every crypto has at least one monthly win and Bitcoin is unique as the only cryptocurrency that hasn’t lost a month. It came close this month, gaining “only” +26%.

Overall update – BTC approaching break even point, second place ETH in the lonely middle, NEM still worst performing.

Although it wasn’t able to keep pace with its peers in July, BTC continues to slowly but surely approach its break even point. It is down about $1,500 (-12%) since my purchase in January 2018. My initial investment of $100 thirty-one months ago is now worth about $88.
Even though Ethereum has lost half of its value since the experiment began, it is all alone in second place: no other crypto is close.
NEM seems comfortable in its usual place, down at the bottom. It has lost -94% over the life of the experiment. That initial $100 investment in NEM is now worth $5.78. Dash and IOTA join NEM as the only three cryptos in the Top Ten that have lost at least -90% of their value since January 2018.

Total Market Cap for the entire cryptocurrency sector:

​
Total market cap since Jan 2018
The crypto market added about $82B in July, making up a ton of ground. The last time we saw a similar level in terms of overall crypto market cap was way back in the fifth month of the 2018 Top Ten Experiment: May 2018.

Bitcoin dominance:

Le Bitdom since January 2018
Since Bitcoin receives much of the attention in the press, it may surprise the casual observer to learn that Bitcoin Dominance dropped quite a bit in July, especially considering BitDom had been stuck at roughly the same level for most of 2020. This signals an interest in altcoins and a willingness to buy into riskier cryptos.
Some context: since the beginning of the experiment, the range of Bitcoin dominance has been quite wide: we saw a high of 70% BitDom in September 2019 and a low of 33% BitDom in February 2018.

Overall return on investment since January 1st, 2018:

The 2018 Top Ten Portfolio gained over $70 in July 2020. If I cashed out today, my $1000 initial investment would return about $260, down -74% from January 2018.
This sounds horrible but don’t hang yourself with a celibate rope: the 2018 return on investment is back where it was about a year ago. Take a look at the ROI over the life of the experiment, month by month, for some context:
Yes, you may notice that the 2018 Top Ten portfolio has finished over half of the first thirty one months down at least -80%, but it’s nice to see the low -70s for a change.
So the Top Ten Cryptos of 2018 are down -74%. What about the 2019 and 2020 Top Tens? Let’s take a look:

• 2019 Top Ten Experiment: up +72% ($1,722)
• 2020 Top Ten Experiment: up +71% ($1,713)

So overall? Taking the three portfolios together, here’s the bottom bottom bottom line:
After a $3000 investment in the 2018, 2019, and 2020 Top Ten Cryptocurrencies, my combined portfolios are worth $3,6965 ($260+ $1,722 +$1,713).
That’s up about +23% for the three combined portfolios, compared to -10% last month. It also marks the highest ROI of the three combined portfolios since I added this metric this year. The previous high was +13% back in January 2020.
Having trouble visualizing? Don’t worry, I got what you need:
Combined ROI
So, a +23% gain by dropping $1k on whichever cryptos were in the Top Ten on January 1st for three straight years, fine. But what if I’d done the same with just one crypto? Bitcoin always wins, right? Thanks to Reddit user u/sebikun for the idea for a new metric and let’s take a look:
3-year club ROI
As you can see, only five cryptos have remained in the Top Ten for all three years: BTC, ETH, XRP, BCH, and LTC. Best one to have gone all in on at this point in the Experiment? Ethereum, which would have nearly doubled. Worst choice? If I went with XRP, I would have been down -23%.

Comparison to S&P 500:

I’m also tracking the S&P 500 as part of the experiment to have a comparison point with other popular investments options. The US economy continued to recover in July: the S&P 500 is back up to pre-COVID levels. The initial $1k investment into crypto on January 1st, 2018 would have been worth about $220 had it been redirected to the S&P.
But what if I took the same invest-$1,000-on-January-1st-of-each-year approach with the S&P 500 that I’ve been documenting through the Top Ten Crypto Experiments? Here are the numbers:

• $1000 investment in S&P 500 on January 1st, 2018: +$220
• $1000 investment in S&P 500 on January 1st, 2019: +$310
• $1000 investment in S&P 500 on January 1st, 2020: +$10

Taken together, here’s the bottom bottom bottom line for a similar approach with the S&P:
After three $1,000 investments into an S&P 500 index fund in January 2018, 2019, and 2020, my portfolio would be worth $3,540.
That is up over+18% since January 2018, compared to a +23% gain of the combined Top Ten Crypto Experiment Portfolios.
That’s a 5% swing in favor of the Top Ten Crypto Portfolios! As you’ll see in the table below, this is the first time since I started recording this metric that crypto has outperformed the S&P had I taken a similar investment approach. This is a big turnaround from the 22% difference in favor of the S&P just last month.
​
3 x $1k crypto vs. S&P

Implications/Observations:

The 2018 Top Ten Cryptos have consistently under-performed when compared to the overall crypto market. This month, for example, the total market cap is down -29% from January 2018 compared to the -74% loss for the cryptos that began 2018 in the Top Ten. At no point in the first 31 months of the Experiment has this investment strategy been successful: the 2018 Top Ten as a group have under-performed the overall market every single month.
This of course suggests that I would have done a bit better if I’d picked every crypto, or different cryptos: throwing that $1k on January 1st, 2018 to Bitcoin, for example, would have lost me -12% instead of -74%.
On the other hand, this bit of diversification has served me well compared to going all in on NEM, Dash, or IOTA, all of which are down at least -90%.
The follow-on Top Ten experiments in 2019 and 2020 have seen similar, but not identical, results. There have been a few examples of the Top Ten approach outperforming the overall market in the first 19 months of the parallel 2019 Top Ten Crypto Experiment. And up until the last few months of the most recent 2020 Top Ten Index Fund group of cryptocurrencies, this approach had outperformed the overall market 100% of the time.

Conclusion:

Crypto had an undoubtedly strong month in July, green across the board. Was this just a happy blip, are we in for some consolidation, or are we on the way up? Stay tuned.
Final words: take care of each other, wear your mask, wash your hands.
Thanks for reading and for supporting the experiment. I hope you’ve found it helpful. I continue to be committed to seeing this process through and reporting along the way. Feel free to reach out with any questions and stay tuned for progress reports. Keep an eye out for my parallel projects where I repeat the experiment twice, purchasing another $1000 ($100 each) of two new sets of Top Ten cryptos as of January 1st, 2019 then again on January 1st, 2020.

And the Answer is…

B) Ethereum
Ethereum celebrated its 5 year anniversary on July 30th, 2020.

So this week has probably been one of the most bullish weeks in recent times for crypto — both established and small cap coins.
Starting with a quick market overview:

• Total crypto market cap breaks past the $360bn mark, currently sitting over $370bn+ — last time it was this high was May 2018.
• Total avg. daily volume breaks past the $20bn mark in the week, where it was previous stuck before.
• Average gain of the crypto top 10 = 43%

chart from livecoinwatch.com
Many established coins (Top 100) making huge moves in the last month alone:

• $LINK +123% — which has become the 3rd most traded crypto on Binance.
• $ETH +85%
• $XRP +53%
• $OCEAN +255%
• $BAND +445%
• $WAVES +163%
• $SOLO +72%
• $EWT 82%

And so many more, including non-top 100 coins, have seen exponential growth, not just this month, but in the last week also.
Some cryptos have seen major technical price breakthroughs at key levels:
>> Ethereum breaking out of a price range after 2 years!
>> Bitcoin breaking out of a downward diagonal trend line, firmly placing itself outside of the previous downtrend.
Exchanges seeing huge rises in traffic — hitting 12-month highs:
Binance hitting a over 200,000 daily users & 1.2 million daily page views.
chart from livecoinwatch.com
Also, Binance recently hitting a 12-month trading volume high of $5.7bn, today recording a daily vol. of $5.6bn. Same goes with other exchanges like Coinbase, Kraken, + others, who have all seen a rise a traffic and overall daily trading volume.
​
Google Trends showing worldwide interest in cryptocurrency is at a 12-month high:
chart from Google Trends
And the overall vibe on all crypto subreddits just spells a lot of excitement and activity.
Overall sentiment (from my observations) being very bullish overall, both for established and small cap coins. It definitely seems like we're at the launchpad stage of a bull run.
https://reddit.com/link/iaaopc/video/ks4ea2au27h51/player
​
Question: Where are we going to go from here? Will we soon see 2017-like parabolic rallies? Pullbacks before more uptrends?
​
(charts used from livecoinwatch.com and Google Trends)

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• Airbnb with $48 Off Your First Trip - https://www.airbnb.com/c/dsilva21
• Raise.com with $5 Cash Bonus + $10 Off - https://geta.raise.com/DSILVA7257
• Rakuten with $10 Cash Bonus - https://www.rakuten.com/DKSILV6?eeid=28187

SoFi Money ($125 Cash Bonus)

Open a new SoFi Money Account (https://www.sofi.com/invite/money?gcp=24d110de-7cfa-4f16-b709-3a358dc0d168) today and get $50 cash bonus when you fund your account with an initial deposit of $500 or more (any type of deposit like bank-to-bank money transfer).
Plus you earn an additional $75 cash bonus when you setup one successful direct deposit of $500 or more within 30 days of receiving your $50 cash bonus.
That's a total of $125 in cash bonuses when you open a SoFi Money account!
SoFi Money account is a combined checking and savings account but better with 0.20% APY on the money you save with no banking fees and no ATM fees at 55,000+ ATMs plus you get a free Mastercard debit card.
It’s an easy way to get $50 cash without any hassle other than an initial deposit of $500 or more (any type of deposit like bank-to-bank money transfer or direct deposit)! Plus you can earn another $75 cash bonus when you setup one successful direct deposit of $500 or more!
Sign up for your SoFi Money account at https://www.sofi.com/invite/money?gcp=24d110de-7cfa-4f16-b709-3a358dc0d168
Thank you!

Chime ($50 Cash Bonus)

Open a Chime Checking Account (https://chime.com/davidsilva31) and get a $50 cash bonus instantly after you receive a direct deposit of $200 or more within the first 45 days (like bank-to-bank deposit)!
Your Chime checking account has no monthly fees with free Visa debit card and FDIC protection on your money. There's no credit check, no ChexSystems, and no hidden fees. You can close the account at any time after receiving the cash bonus!
A direct deposit can be a payroll deposit from an employer or a bank-to-bank transfer initiated from the other bank to your Chime account like Ally Bank, Discover Savings, Chase or using the Cash App to trigger the $50 cash bonus!
Please use my referral link to signup and receive the bonus - https://chime.com/davidsilva31
Thank you!

SoFi Loans ($100 Cash Bonus)

Need to refinance a student loan or need a personal loan? SoFi Loans (https://www.sofi.com/share/1919989) is offering a $100 cash bonus when your loan is approved and funded by SoFi. It takes a 2 minutes to submit your application and get qualified. Plus SoFi offers low rates and no fees.
Fixed personal loan rates range from 5.99% APR to 18.82% APR (with AutoPay) with no origination fees, no pre-payment fees, and no late fees. You can request a personal loan amount between $5,000 to $100,000.
Refinancing your student loans with SoFi is a great solution for working graduates who have high-interest, unsubsidized Direct Loans, Graduate PLUS loans, and/or private loans.
To apply for a personal loan or refinance a student loan, visit https://www.sofi.com/share/1919989 and SoFi will give you a $100 cash bonus when your loan is approved and funded.

Lively HSA ($35 Cash Bonus)

Lively is the best Health Savings Account (HSA) to save, invest, and pay for your healthcare expenses with no account fees, free debit card, and free to invest your HSA like a 401(k) into no-fee ETFs, mutual funds and stocks from TD Ameritrade! Plus account funds are FDIC insured and interest bearing too!
Open a new Lively HSA Account and get a $25 bonus when you contribute at least $1,000 within 90 days plus another $10 bonus if you maintain an average daily balance of at least $2,000 in the first 12 months. To get the signup bonuses, visit https://secure.livelyme.com/referral/invite/?referrersOwnerId=6b9ed5e9-c864-491e-9ef2-5d990e355fc6
As you know, a health savings account is one of the best decisions you can make for your healthcare and financial wellbeing. With healthcare costs continuing to rise, more and more people may benefit from the peace of mind that comes with a simple and modern HSA from Lively.
Sign up with my referral link and thank you! - https://secure.livelyme.com/referral/invite/?referrersOwnerId=6b9ed5e9-c864-491e-9ef2-5d990e355fc6

N26 Online Bank ($10 Cash Bonus)

Open an N26 Mobile Bank Account (https://n26.com/davids8457) today and get $10 cash bonus after you spend $10 on your new N26 debit card. N26 has no monthly fees, no foreign transaction fees, and free ATM withdrawals plus your money is FDIC insured!
It takes only 5 minutes to signup and an easy way to get $10 without any hassle other than spending $10 on your new N26 card. Visit https://n26.com/davids8457 or use promo code davids8457
Thank you!

Webull (2 Free Stocks up to $1400)

Sign up for Webull (https://act.webull.com/i/Vofifd5bibi6/3jx/us_na_invite_year02) and receive a free stock (valued $2.50-$250) when you open a stock brokerage account (within 24 hours) with no deposit required.
Plus, if you make an initial deposit of $100 or more within 30 days, you'll get another free stock worth between $12 to $1400!
That's two free stocks! Webull is available on Android and iOS!
Webull is registered and regulated by the Securities and Exchange Commission (SEC) and the Financial Industry Regulatory Authority (FINRA). It is also a member of the SIPC which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash).
Remember to sign up and get your two free stocks after $100+ deposit at https://act.webull.com/i/Vofifd5bibi6/3jx/us_na_invite_year02
Thank you!

Public (1 Free Stock up to $50, No Deposit Required)

Sign up for Public (https://share.public.com/domaindave), a commission-free stock trading app for iOS and Android, and receive a free stock slice worth up to $50 when you open a new trading account. No deposit required to receive your free stock!
It takes about 5 minutes to sign up! Please visit the link using your iOS or Android phone to download the app. Within 24 hours, I received a $25 slice of Apple stock when I opened a Public account!
Public allows you to buy a slice of any stock like Apple, Tesla, and Google for as low as $5 with no trading fees and your Public stock trading account is SIPC insured up to $500,000.
Be sure to use my Public signup link on your mobile phone to get your free stock with no deposit required - https://share.public.com/domaindave
Thank you!

SoFi Invest ($75 Cash Bonus)

Open a SoFi Invest Account (https://www.sofi.com/share/invest/1919989) today and get a $50 cash bonus to invest in ANY stock or ETF with no trading fees!
Just open a SoFi Invest Account with an initial deposit of $1000 or more and SoFi will instantly give you a $50 cash bonus to invest in any stock which you can sell and cash out the money back to your bank account.
Plus get another $25 cash bonus when you buy $10 or more of crypto like Bitcoin, Litecoin or Ethereum. That's a total of $75 cash bonuses with SoFi Invest!
I love SoFi Invest because you can invest in any stock or ETF like Apple, Amazon or Google for as low as $1 with fractional share investing and no fees to buy or sell! Be sure to signup at https://www.sofi.com/share/invest/1919989
Thank you!

Moomoo (1 Free Stock up to $1000)

Sign up for Moomoo Commission Free Stock Trading App (https://j.moomoo.com/001zFH) and open a trading account and you're guaranteed to receive a free stock (valued between $10-$1000) when you make an initial deposit of $500 or more.
You'll have a 1 in 250 chance to win a free stock in Tesla, Netflix, Apple or Facebook and 1 in 100 chance to win a free stock in Microsoft, Disney, Starbucks or IBM.
You don't need to buy stocks with your deposit. You can simply get your free stocks, sell it and cash out back to your bank. It took me about 20 minutes for my account to get verified and receive my free stock within 3 days after my initial deposit cleared.
Moomoo (Futu Inc.) is a member of FINRA and SIPC so your account is protected up to $500,000. Moomoo app is available for iOS and Android!
Be sure to signup with my referral link to get your free stocks! - https://j.moomoo.com/001zFH
Thank you!

M1 Finance ($10 Cash Bonus)

Sign up for a free M1 Finance stock trading account (https://m1.finance/wG5ouGBolHyU) and you'll get a $10 cash bonus after you make an initial deposit of $100 or more when you open a taxable (non-retirement) account. You can choose to invest the cash bonus or withdrawal the money to your bank!
If you open a taxable (non-retirement) account, then you must make initial deposit of $100 or more to get $10 cash bonus. If you open an IRA account, then you must make initial deposit of $500 or more to get bonus and open a taxable (non-retirement) account.
M1 Finance allows you to buy fractional shares as low as $0.01 on stocks and ETFs like Tesla, Amazon, and Google with no trading/commission fees plus there are no monthly fees or account minimums. You can open a regular investment, IRA, and/or Roth IRA account plus your accounts are SIPC and FDIC insured!
Be sure to use my M1 Finance signup link - https://m1.finance/wG5ouGBolHyU
Thank you!

Robinhood (1 Free Stock up to $200)

Sign up for a free Robinhood stock trading account (http://invite.robinhood.com/davids2005) and you'll get a free stock valued up to $200 instantly (like Ford, Apple or Facebook) with no deposit required! Its free money just for signing up!
Robinhood offers commission-free trading on stocks and ETFs via web and mobile plus your account is SIPC insured! Plus you can signup for a free Cash Management Account with 1.80% APY interest on cash (FDIC insured up to $1.25 million), free Mastercard debit card, no foreign transaction fees, no account minimums and no fee 75,000+ ATMs.
Be sure to use my Robinhood signup link and thanks! - http://invite.robinhood.com/davids2005
Thank you!

Juno ($25 Cash Bonus)

Receive a free $25 cash bonus when you open a free Juno high yield checking account (https://bankonjuno.com/referral/DAVIzcL5) and make an initial deposit of $1000 or more!
Juno is a digital bank in the United States providing a free high-yield checking account with 2.15% APY interest, free debit card, and no minimum balance fee, no ATM withdrawal fee and no foreign transaction fees. Plus your deposits are FDIC insured up to $250,000.
You'll also receive 5% cash back on purchases made with merchants like Amazon, Netflix, Costco, Uber and Starbucks!
Juno is expected to go LIVE by mid-May but get Priority Access by connecting your bank account and get a free $25 cash bonus after deposit of $1000 or more!
Sign up today for Juno to get priority access and a free $25 cash bonus - https://bankonjuno.com/referral/DAVIzcL5

Travala ($25 Cash Back)

Travala offers the best deals on over 2+ million hotels, apartments, and resorts globally in partnership with Booking.com! Sign up on Travala (https://www.travala.com/ref/QE7QUJ) and make your first booking of US $200 or more (equivalent in your currency), you'll earn US $25 worth of AVA rewards to your Travala.com wallet after your completed stay at the property.
For instance making your first booking of €180 or more will earn you €23 in cash back, £160 or more will earn you £20 in cash back, and CA$260 or more will earn you CA$33 in cash back.
The $25/€23/£20 in cash back with AVA rewards can be cashed out or used for future Travala booking. Message me if you need advice on cashing out your AVA rewards to your bank account.
Remember to sign up with my referral link - https://www.travala.com/ref/QE7QUJ
Thank you!

Airbnb ($48 Off)

Airbnb is a great way to travel! Sign up on Airbnb (https://www.airbnb.com/c/dsilva21) and you'll get $48 towards your first trip on Airbnb when you signup for a new account. You’ll get $33 off your first home booking of $73 or more and $15 off an experience of $50 or more!
Remember to use my referral link - https://www.airbnb.com/c/dsilva21
Thanks again and happy travels!

Raise.com ($5 Cash Bonus + $10 Off)

Sign up on Raise.com (https://geta.raise.com/DSILVA7257) and get $5 in free cash towards your first purchase any gift card. Plus use code 10EXTRA during checkout to get an additional $10 off your first gift card purchase.
Raise.com is a place to buy discounted gift cards at many favorite stores like Walmart, Target, Dominos, Apple, IKEA, Old Navy, Home Depot, DSW, Bed Bath & Beyond, Michaels, and so much more.
Please note that you must spend at least $1 of your own money to receive the $5 credit. In other words, if you buy a $6 gift card, then Raise will discount the purchase $5 and you only have to pay $1.
Visit https://geta.raise.com/DSILVA7257 and signup to get your $5 credit towards your first purchase of any gift card. Remember to use promo code 10EXTRA during checkout for additional $10 off any gift card.
Thank you!

Rakuten/eBates ($10 Cash Bonus)

Sign up for Rakuten (https://www.rakuten.com/DKSILV6?eeid=28187) and get a $10 cash bonus after you spend $25 or more shopping at your favorite online stores! There's over 2500+ stores to earn cash back bonuses from 1% to 20% when you shop at Amazon, eBay, Nike, Target, and Kohls.
Rakuten pays out the cash back earned every quarter (every 3 months) by mailing a check to your home address or via PayPal if your cash back balance is over $5.
Visit https://www.rakuten.com/DKSILV6?eeid=28187 to get your $10 cash bonus after making $25 or more on online shopping purchases.
Thank you!
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https://preview.redd.it/26ncb4pbeli51.png?width=2910&format=png&auto=webp&s=e234ace19fcf0a4d850ee599f1531ec053c46465

Get up to $575 in free cash bonuses and up to five (5) free stocks (valued up to $2250 total) from banks, stocks, and services like SoFi Money ($125 Bonus), Chime ($50 Bonus), SoFi Loans ($100 Bonus), Juno ($25 Bonus), Lively Health Savings Account ($35 Bonus), N26 Bank ($10 Bonus), Travala ($25 Cash), Airbnb ($48 Off), Raise Gift Cards ($15 Bonus), and Rakuten/eBates ($10 Bonus).
Commission free stock trading apps are offering a free stock with no deposit required like Public, Robinhood and Webull or a small deposit like SoFi Invest, Moomoo, and M1 Finance.
Bank and stock bonuses are only available to US customers.
Chime, SoFi Money, Juno, and N26 are the easiest/fastest to earn the bonuses with small deposits/transactions. Only Lively HSA requires a larger deposit.
More details below! Be sure to use each link to get the bonuses and thank you!

• SoFi Money with $125 Cash Bonus - https://www.sofi.com/invite/money?gcp=24d110de-7cfa-4f16-b709-3a358dc0d168
• Chime Bank with $50 Cash Bonus - https://chime.com/davidsilva31
• SoFi Student/Personal Loans with $100 Cash Bonus - https://www.sofi.com/share/1919989
• Lively HSA with $35 Cash Bonus - https://secure.livelyme.com/referral/invite/?referrersOwnerId=6b9ed5e9-c864-491e-9ef2-5d990e355fc6
• N26 with $10 Cash Bonus - https://n26.com/davids8457
• Webull with 2 Free Stocks - https://act.webull.com/i/Vofifd5bibi6/3jx/us_na_invite_year02
• Public with 1 Free Stock - https://share.public.com/domaindave
• SoFi Invest with $75 Cash Bonus - https://www.sofi.com/share/invest/1919989
• Moomoo with 1 Free Stock - https://j.moomoo.com/001zFH
• M1 Finance with $10 Cash Bonus - https://m1.finance/wG5ouGBolHyU
• Robinhood with 1 Free Stock - http://invite.robinhood.com/davids2005
• Juno with $25 Cash Bonus - https://bankonjuno.com/referral/DAVIzcL5
• Travala with $50 Cash Back After First Hotel Booking - https://www.travala.com/ref/QE7QUJ
• Airbnb with $48 Off Your First Trip - https://www.airbnb.com/c/dsilva21
• Raise.com with $5 Cash Bonus + $10 Off - https://geta.raise.com/DSILVA7257
• Rakuten with $10 Cash Bonus - https://www.rakuten.com/DKSILV6?eeid=28187

SoFi Money ($125 Cash Bonus)

Open a new SoFi Money Account (https://www.sofi.com/invite/money?gcp=24d110de-7cfa-4f16-b709-3a358dc0d168) today and get $50 cash bonus when you fund your account with an initial deposit of $500 or more (any type of deposit like bank-to-bank money transfer).
Plus you earn an additional $75 cash bonus when you setup one successful direct deposit of $500 or more within 30 days of receiving your $50 cash bonus.
That's a total of $125 in cash bonuses when you open a SoFi Money account!
SoFi Money account is a combined checking and savings account but better with 0.20% APY on the money you save with no banking fees and no ATM fees at 55,000+ ATMs plus you get a free Mastercard debit card.
It’s an easy way to get $50 cash without any hassle other than an initial deposit of $500 or more (any type of deposit like bank-to-bank money transfer or direct deposit)! Plus you can earn another $75 cash bonus when you setup one successful direct deposit of $500 or more!
Sign up for your SoFi Money account at https://www.sofi.com/invite/money?gcp=24d110de-7cfa-4f16-b709-3a358dc0d168
Thank you!

Chime ($50 Cash Bonus)

Open a Chime Checking Account (https://chime.com/davidsilva31) and get a $50 cash bonus instantly after you receive a direct deposit of $200 or more within the first 45 days (like bank-to-bank deposit)!
Your Chime checking account has no monthly fees with free Visa debit card and FDIC protection on your money. There's no credit check, no ChexSystems, and no hidden fees. You can close the account at any time after receiving the cash bonus!
A direct deposit can be a payroll deposit from an employer or a bank-to-bank transfer initiated from the other bank to your Chime account like Ally Bank, Discover Savings, Chase or using the Cash App to trigger the $50 cash bonus!
Please use my referral link to signup and receive the bonus - https://chime.com/davidsilva31
Thank you!

SoFi Loans ($100 Cash Bonus)

Need to refinance a student loan or need a personal loan? SoFi Loans (https://www.sofi.com/share/1919989) is offering a $100 cash bonus when your loan is approved and funded by SoFi. It takes a 2 minutes to submit your application and get qualified. Plus SoFi offers low rates and no fees.
Fixed personal loan rates range from 5.99% APR to 18.82% APR (with AutoPay) with no origination fees, no pre-payment fees, and no late fees. You can request a personal loan amount between $5,000 to $100,000.
Refinancing your student loans with SoFi is a great solution for working graduates who have high-interest, unsubsidized Direct Loans, Graduate PLUS loans, and/or private loans.
To apply for a personal loan or refinance a student loan, visit https://www.sofi.com/share/1919989 and SoFi will give you a $100 cash bonus when your loan is approved and funded.

Lively HSA ($35 Cash Bonus)

Lively is the best Health Savings Account (HSA) to save, invest, and pay for your healthcare expenses with no account fees, free debit card, and free to invest your HSA like a 401(k) into no-fee ETFs, mutual funds and stocks from TD Ameritrade! Plus account funds are FDIC insured and interest bearing too!
Open a new Lively HSA Account and get a $25 bonus when you contribute at least $1,000 within 90 days plus another $10 bonus if you maintain an average daily balance of at least $2,000 in the first 12 months. To get the signup bonuses, visit https://secure.livelyme.com/referral/invite/?referrersOwnerId=6b9ed5e9-c864-491e-9ef2-5d990e355fc6
As you know, a health savings account is one of the best decisions you can make for your healthcare and financial wellbeing. With healthcare costs continuing to rise, more and more people may benefit from the peace of mind that comes with a simple and modern HSA from Lively.
Sign up with my referral link and thank you! - https://secure.livelyme.com/referral/invite/?referrersOwnerId=6b9ed5e9-c864-491e-9ef2-5d990e355fc6

N26 Online Bank ($10 Cash Bonus)

Open an N26 Mobile Bank Account (https://n26.com/davids8457) today and get $10 cash bonus after you spend $10 on your new N26 debit card. N26 has no monthly fees, no foreign transaction fees, and free ATM withdrawals plus your money is FDIC insured!
It takes only 5 minutes to signup and an easy way to get $10 without any hassle other than spending $10 on your new N26 card. Visit https://n26.com/davids8457 or use promo code davids8457
Thank you!

Webull (2 Free Stocks up to $1400)

Sign up for Webull (https://act.webull.com/i/Vofifd5bibi6/3jx/us_na_invite_year02) and receive a free stock (valued $2.50-$250) when you open a stock brokerage account (within 24 hours) with no deposit required.
Plus, if you make an initial deposit of $100 or more within 30 days, you'll get another free stock worth between $12 to $1400!
That's two free stocks! Webull is available on Android and iOS!
Webull is registered and regulated by the Securities and Exchange Commission (SEC) and the Financial Industry Regulatory Authority (FINRA). It is also a member of the SIPC which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash).
Remember to sign up and get your two free stocks after $100+ deposit at https://act.webull.com/i/Vofifd5bibi6/3jx/us_na_invite_year02
Thank you!

Public (1 Free Stock up to $50, No Deposit Required)

Sign up for Public (https://share.public.com/domaindave), a commission-free stock trading app for iOS and Android, and receive a free stock slice worth up to $50 when you open a new trading account. No deposit required to receive your free stock!
It takes about 5 minutes to sign up! Please visit the link using your iOS or Android phone to download the app. Within 24 hours, I received a $25 slice of Apple stock when I opened a Public account!
Public allows you to buy a slice of any stock like Apple, Tesla, and Google for as low as $5 with no trading fees and your Public stock trading account is SIPC insured up to $500,000.
Be sure to use my Public signup link on your mobile phone to get your free stock with no deposit required - https://share.public.com/domaindave
Thank you!

SoFi Invest ($75 Cash Bonus)

Open a SoFi Invest Account (https://www.sofi.com/share/invest/1919989) today and get a $50 cash bonus to invest in ANY stock or ETF with no trading fees!
Just open a SoFi Invest Account with an initial deposit of $1000 or more and SoFi will instantly give you a $50 cash bonus to invest in any stock which you can sell and cash out the money back to your bank account.
Plus get another $25 cash bonus when you buy $10 or more of crypto like Bitcoin, Litecoin or Ethereum. That's a total of $75 cash bonuses with SoFi Invest!
I love SoFi Invest because you can invest in any stock or ETF like Apple, Amazon or Google for as low as $1 with fractional share investing and no fees to buy or sell! Be sure to signup at https://www.sofi.com/share/invest/1919989
Thank you!

Moomoo (1 Free Stock up to $1000)

Sign up for Moomoo Commission Free Stock Trading App (https://j.moomoo.com/001zFH) and open a trading account and you're guaranteed to receive a free stock (valued between $10-$1000) when you make an initial deposit of $500 or more.
You'll have a 1 in 250 chance to win a free stock in Tesla, Netflix, Apple or Facebook and 1 in 100 chance to win a free stock in Microsoft, Disney, Starbucks or IBM.
You don't need to buy stocks with your deposit. You can simply get your free stocks, sell it and cash out back to your bank. It took me about 20 minutes for my account to get verified and receive my free stock within 3 days after my initial deposit cleared.
Moomoo (Futu Inc.) is a member of FINRA and SIPC so your account is protected up to $500,000. Moomoo app is available for iOS and Android!
Be sure to signup with my referral link to get your free stocks! - https://j.moomoo.com/001zFH
Thank you!

M1 Finance ($10 Cash Bonus)

Sign up for a free M1 Finance stock trading account (https://m1.finance/wG5ouGBolHyU) and you'll get a $10 cash bonus after you make an initial deposit of $100 or more when you open a taxable (non-retirement) account. You can choose to invest the cash bonus or withdrawal the money to your bank!
If you open a taxable (non-retirement) account, then you must make initial deposit of $100 or more to get $10 cash bonus. If you open an IRA account, then you must make initial deposit of $500 or more to get bonus and open a taxable (non-retirement) account.
M1 Finance allows you to buy fractional shares as low as $0.01 on stocks and ETFs like Tesla, Amazon, and Google with no trading/commission fees plus there are no monthly fees or account minimums. You can open a regular investment, IRA, and/or Roth IRA account plus your accounts are SIPC and FDIC insured!
Be sure to use my M1 Finance signup link - https://m1.finance/wG5ouGBolHyU
Thank you!

Robinhood (1 Free Stock up to $200)

Sign up for a free Robinhood stock trading account (http://invite.robinhood.com/davids2005) and you'll get a free stock valued up to $200 instantly (like Ford, Apple or Facebook) with no deposit required! Its free money just for signing up!
Robinhood offers commission-free trading on stocks and ETFs via web and mobile plus your account is SIPC insured! Plus you can signup for a free Cash Management Account with 1.80% APY interest on cash (FDIC insured up to $1.25 million), free Mastercard debit card, no foreign transaction fees, no account minimums and no fee 75,000+ ATMs.
Be sure to use my Robinhood signup link and thanks! - http://invite.robinhood.com/davids2005
Thank you!

Juno ($25 Cash Bonus)

Receive a free $25 cash bonus when you open a free Juno high yield checking account (https://bankonjuno.com/referral/DAVIzcL5) and make an initial deposit of $1000 or more!
Juno is a digital bank in the United States providing a free high-yield checking account with 2.15% APY interest, free debit card, and no minimum balance fee, no ATM withdrawal fee and no foreign transaction fees. Plus your deposits are FDIC insured up to $250,000.
You'll also receive 5% cash back on purchases made with merchants like Amazon, Netflix, Costco, Uber and Starbucks!
Juno is expected to go LIVE by mid-May but get Priority Access by connecting your bank account and get a free $25 cash bonus after deposit of $1000 or more!
Sign up today for Juno to get priority access and a free $25 cash bonus - https://bankonjuno.com/referral/DAVIzcL5

Travala ($25 Cash Back)

Travala offers the best deals on over 2+ million hotels, apartments, and resorts globally in partnership with Booking.com! Sign up on Travala (https://www.travala.com/ref/QE7QUJ) and make your first booking of US $200 or more (equivalent in your currency), you'll earn US $25 worth of AVA rewards to your Travala.com wallet after your completed stay at the property.
For instance making your first booking of €180 or more will earn you €23 in cash back, £160 or more will earn you £20 in cash back, and CA$260 or more will earn you CA$33 in cash back.
The $25/€23/£20 in cash back with AVA rewards can be cashed out or used for future Travala booking. Message me if you need advice on cashing out your AVA rewards to your bank account.
Remember to sign up with my referral link - https://www.travala.com/ref/QE7QUJ
Thank you!

Airbnb ($48 Off)

Airbnb is a great way to travel! Sign up on Airbnb (https://www.airbnb.com/c/dsilva21) and you'll get $48 towards your first trip on Airbnb when you signup for a new account. You’ll get $33 off your first home booking of $73 or more and $15 off an experience of $50 or more!
Remember to use my referral link - https://www.airbnb.com/c/dsilva21
Thanks again and happy travels!

Raise.com ($5 Cash Bonus + $10 Off)

Sign up on Raise.com (https://geta.raise.com/DSILVA7257) and get $5 in free cash towards your first purchase any gift card. Plus use code 10EXTRA during checkout to get an additional $10 off your first gift card purchase.
Raise.com is a place to buy discounted gift cards at many favorite stores like Walmart, Target, Dominos, Apple, IKEA, Old Navy, Home Depot, DSW, Bed Bath & Beyond, Michaels, and so much more.
Please note that you must spend at least $1 of your own money to receive the $5 credit. In other words, if you buy a $6 gift card, then Raise will discount the purchase $5 and you only have to pay $1.
Visit https://geta.raise.com/DSILVA7257 and signup to get your $5 credit towards your first purchase of any gift card. Remember to use promo code 10EXTRA during checkout for additional $10 off any gift card.
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Rakuten/eBates ($10 Cash Bonus)

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In which direction should DeFi develop in the next step?
The market is changing dramatically. The past few days have been like riding a roller coaster. But after several rounds of fluctuations, the DeFi segment in the stock market is still unabated. However, the hidden worries lurking under the surface are always existing.
Almost all resources in the DeFi ecology are on Ethereum. However, there are problems with the DeFi network built by Ethereum, such as the single system performance brought by the foreseeable homogeneous sharding in the future, high gas fee, low security, and low scalability, etc. These vulnerabilities make the many applications hard to use on the DeFi network, including high-frequency trading and the transaction matching modes (We use the Uniswap asset pool model today.)
The problem with ETH1.0 is that the performance is limited, and all the transactions are mixed without any organization. Although there is composability for the DeFi applications, the network needs to operate both DeFi applications and other transactions or DApps.

Network congestion and skyrocketing gas fees

As we all know, Ethereum relies on the consumption of GAS to run its economic operation. Every step of the chain requires the consumption of GAS. Bitcoin plummeted by almost 50% to $3,800, and ETH fell as much as 65.2% just on March 12 and 13, 2020. The plummet caused a run, the Ethereum miner fees that carried a large number of DeFi and DApps skyrocketed, and the network was also congested. The Ethereum GAS fee increased to 10 times of the usual, and the GAS fee was once as high as 1 ETH to successfully package transactions. After that, because the lending operations of DeFi applications require frequent interaction with contracts, the gas fees on Ethereum have also remained high.

Problems inherited from ERC20 tokens are affecting the DeFi products on Ethereum.

If you use Ethereum’s native token ETH, the operation is simple. As long as the ETH is transferred to the contract of the target DeFi application, the contract operation will be the same as when we use cash to invest in stocks or wealth management products. No other operations are required.
However, the operation of tokens minted using ERC20 contracts is very different from native ETH, regardless of whether the tokens minted by these ERC20 contracts are well-known. Before trading, the ERC20 contract first authorizes the DeFi platform’s contract to transfer a specified number of ERC20 tokens on the account, such as USDT, USDC, or WBTC. After approval, the DeFi contract is called to transfer money. The intuitive understanding is to avoid frequent password input in small transactions, we authorized Paypal to open a password-free payment, so that the payment can be directly deducted during consumption. It sounds convenient, but is it that good?
There is a crucial problem here: if the DeFi contract is malicious during the approval process, this DeFi contract has the right to transfer all the ERC20 tokens on our account to any account. It is similar to that we authorize Paypal to perform a password-free operation of the balance, but if a hacker attacked Paypal successfully, this hacker could transfer all our money to his account. Similar things have happened before.
There is a famous project called Bancor, which used to rely on the type of authorization contract for ERC20 processing. However, there was a bug in the contract that allowed the contract to transfer the tokens in the user’s wallet to any hacker designated address after the user was authorized, which caused a loss of almost 100,000 US dollars.
The loss was not so significant because it occurred in the early stage of DeFi development. If it happens today that the DeFi asset scale on Ethereum already reached hundreds of millions, it would cause severe damage to the entire Ethereum ecosystem and the development of DeFi.

Cold shard and hot shard

DeFi needs composability, convenience, and a stronger capability of anti-run. If the throughput is insufficient, sharding technology can be introduced, which is what ETH2.0 does. However, due to the combinability of DeFi, these applications tend to aggregate into one shard, which is prone to clustering effects. This will result in different shards gathering different contents. This is called hot shards and cold shards, which are analogous to different types of cities such as metropolises as New York and Tokyo, and other places like Kyoto and Alaska. Some places have become Wall Street, while other places may become scenic or living areas. Because of the aggregation of different functions, different shards will have different features.
It is quite unwise to develop algorithms to forcibly redistribute load balancing on shards. This is equivalent to using a simple system to determine the development of a complex system, much like a planned economy. However, we can design different features in advance to make them more capable to display their own features, just as humans transformed and utilized the natural resources based on their understanding of nature, thereby improving efficiency. That means, to set up some shards with different performance and even different consensus algorithms (e.g., the features of PoW and PoS are different).
Maybe there will be a major financial shard, like London, or two other special shards with their own features, like New York City and Chicago. Financial shards require high throughput and high cost. These are called hot shards, which carry large-value transactions, otherwise, the gas fee may be too high. Most people will live in the countryside, which means cold shards here. When you need the hot shard features, you don’t need to live in Manhattan, nor do you need to travel to Manhattan occasionally. Most of the time, you will live well on another shard. When one really needs to run on a DeFi shard, it only takes a few minutes of cross-shard transactions.
But the problem generated from this is that since each shard has its own features, it may cause the shards to be independent. What we need is that shards can be harmonious but keep their differences, that is, cross-sharding DeFi needs to be achieved. Today’s multi-chain heterogeneous technology can contribute to solving this problem. Only by solving these problems can more DeFi applications be stimulated.
In our opinion, a mature DeFi platform must have the following features:
Higher Efficiency: Have faster concurrent processing capabilities, i.e., high TPS.
Lower Gas Fee: Lower gas fee can stimulate the enthusiasm of DeFi users and even catalyze the development of high-frequency trading.
More Secure: There are fewer interactive processes in the contract, at least structurally to avoid the problems ERC20 caused due to the different permissions, which leads to complicated interactions and lengthens the operation chain and increases loopholes.
Easier to Use: Various multi-native tokens can be used to pay gas fees during transactions, and thus no need to use designated tokens to pay gas fees.
Easier Combination: It can support the combination of a wide range of contracts, including the combination of different consensus in the same chain, ledger structure, and other elements, and even cross chains, making DeFi a real “Lego”.

Multi-chain heterogeneous + DeFi, one unhindered currency is helping to reach the perfect

Multi-chain heterogeneity has formed “cities” and “villages”, and DeFi has become the financial center among the cities. Since we use cities for comparison, how can we avoid each city’s independent governance and link up the chains of urban interests to form a greater network? The answer is the same as in real life, that is, the so-called currency everywhere.
Ethereum also provides currency, but this currency is not only inefficient, but also indirectly causes security risks. If you want long-term development, such a design is unreasonable.
In the QuarkChain mainnet, multi-native tokens are our primary function for building the next generation of DeFi. Multi-native tokens have basically the same status as QKC in the QuarkChain system. They can call contracts, perform cross-chain operations, and pay gas fees under certain conditions. Native tokens can achieve all of QKC’s functions, including cross-chain transactions, except participating in QKC governance. Most of the non-native asset inconvenience problems faced by Defi can be solved. In the future contracts, the functions of native tokens will be exactly the same as QKC, with the last barrier to the application of multi-native tokens being removed. This also avoids the problem of reducing the security of the entire DeFi system due to the ERC20 token’s authority issue. Next, we will launch our DEX, and then users will have the true feeling of the unimpeded DeFi platform on QuarkChain. Thus, the last piece of the puzzle of multi-chain heterogeneous + DeFi + multi-native tokens has been fulfilled, which brings cost efficiency, user easiness, and security to a new level.
Ethereum’s performance and contract security restrictions have affected development. After our repeated introduction and numerous testing, the multi-native token function is ready to be officially delivered to the community. Soon, community members can mint their own tokens and use them to transfer funds (including cross-sharding), pay gas fees, directly call smart contracts, etc. In conjunction with the DEX that we will launch in the next step, users can actually experience the convenience and innovation brought by multi-native tokens to the blockchain system.
To verify the validity of this theory, we recently launched the Game of DeFi Campaign. In the last stage of the campaign, we launched a simple DEX application and a game: QSwap — the multi-native token version of Uniswap, and Element Miner — a fun mining trading game. This is the new value that DEX and game-based mining will be able to bring to DApp and DeFi applications based on the verification of multi-native tokens with the game format. Because the gas fee is low enough, every step of the operation will be on the chain to ensure security. Meantime, instead of ETH’s high gas fee, which made users either high-cost and low-efficiency, or low-cost and low-security, the multi-native token proves the real security and convenience.
Our Game of DeFi Campaign has already entered the final stage. There are still millions of QKC reward pools waiting for the users to share. Users can download QPocket wallet to participate in this event.

Phase III: King’s Landing — Dex and Liquidity Mining

In this phase, all the community members can have the experience to use our two new products:

QSwap: Multi-native token version Uniswap

Unlike Uniswap, which can only support ERC20 tokens, QSwap supports multi-native tokens. Thus, no extra pre-authorized approval is required in the process, and any multi-native token can be used to pay gas fee ( not only QKC ). Users will get a better experience and maintain more security by avoiding granting unlimited authorization. Moreover, there will be a much lower gas fee due to sharding technology provided by QuarkChain infrastructure.

Element Miner: Interesting mining and trading DApp game

The player’s goal is to collect 5 elements to join the reward pool. However, since these elements are reinforcing to each other (just like the mining throughputs from different projects are different), using QSwap will be the most efficient approach.
One last question: This DeFi campaign uses test tokens. What if the network uses tokens with real value?

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