July 2020 Update (12)

What is the B21 token?

B21 token is an Ethereum based ERC20 token that forms the base of all transactions, fees, and rewards on the B21 mobile app. You will be able to buy B21 tokens directly on your mobile app and hold it to enjoy exclusive benefits.

What utility does it serve?

  • Different utility tokens have different functionality based on the nature of the project and the B21 token also serves a purpose by forming the base of all transactions, fees, and rewards on the B21 mobile app.
  • B21 token gives exclusive rewards to users –
  1. Stake and earn B21 tokens — B21 token offers you a source of passive income on the B21 app. You can buy and hold a minimum of 500 B21 tokens and earn a 5% dividend p.a. in B21 tokens. The interest is paid out monthly
  2. VIP Account — You can become a VIP member by holding 300 B21 tokens in your wallet. By becoming a VIP member, you can enjoy low fees while buying and selling crypto coins on the B21 app.

How to buy B21 tokens?

  • At present, you can buy B21 tokens on the B21 app using your credit card/debit card, bank transfer, and other local payment methods based on your location.
  • You can also earn B21 tokens as a reward on the B21 app –
  1. Sign Up Reward — Complete your profile and you will earn a $2 signup reward.
  2. Welcome Bonus — Earn B21 tokens worth $5 as a welcome bonus on your first investment of $50. Also, on every next investment of $100, earn a $5 reward.
  3. Refer and earn — Refer your friends to try out the B21 app and both you and your friend will earn $2 on successful registration.

What’s more with B21 token in future?

  • Listing B21 token on Exchange — We are talking to some of the top tier exchanges and will soon announce on this
  • B21 Card — Very soon, you will be able to use the B21 International Card to spend your cryptos anywhere

Stay Safe. Invest Regularly.


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B21 Invest Webinar September 2020

Recap of Live AMA with CryptoCub

Here’s a little recap of our AMA with the CryptoCub community on September 8th. The AMA was hosted by Nitin Agarwal, Founder of B21 Invest and the CryptoCub team.

The webinar session started with the CryptoCub team discussing topics like Blockchain, some of its use cases, and later on coming to the Crypto investment and DeFi.

AMA Session:

Q — Adnan Ahmed: How many total numbers of Bitcoin exist and how many are still left to be mined?

A — There are 21 million bitcoins that can ever be created, which means it is limited in supply. There are 18.5 million bitcoins that had been mined in total so far.

Q — Aditya Shahani: Could you tell us a platform where we can go and find the relevant information about crypto?

A — Today in the information highway, there are so many sources of information available which includes print media, social network, and many more. Out of these, some are sharing new while some are sharing opinions, so instead of naming one channel or media source for getting authentic information, you can yourself figure out what is news or a fact or an opinion and make a judgment yourself. However, in Crypto, once you invest a bit, you get more and more involved and that’s where you begin the learning process.

Q — Veer: How is B21 planning to bring DeFi?

A: DeFi is new and risky but is exciting as well. It is the first application for decentralizing the entire banking and financial system. DeFi at present is tech-intensive and that means only a small amount of people can take benefit from it. So here we are looking forward to making investing in Crypto and Defi as easy as possible for common people. We are aggressively working on becoming the Gateway to Crypto and DeFi.

Q — Tejas: What determines the price of Cryptocurrency in developing/developed countries?

A — Be it a developing country or a developed country, it really doesn’t matter. Being a decentralized currency, the crypto coins have no boundaries. The price of the Crypto coin is purely determined by the demand and the supply, it depends upon how many people are buying and selling it.

Q — Tejas: To a crypto beginner, which of the coins would you advise to invest in?

A — I would suggest that as a beginner instead of investing in one spread, create a portfolio of three, four, or more coins. Invest a small amount and invest regularly. It is better to choose from the top 10 coins and start investing in them and once you’re comfortable you can look for other coins as well.

Q — CryptoCub — How B21 is beneficial for the Indian market?

A — The beauty of B21 is it makes the process of investing very simple for the people. We enable people to invest in using local payment methods, such as UPI. We are the only place where you can invest in more than 4–5 coins together with a small amount of $25. We are looking to bring more functionalities for Indian users in the coming days, so Stay Tuned!

Q — Sagar Sarda — The prices reflected on the B21 for crypto coins, where are you sourcing them from?

A — We get the price from multiple exchanges, probably from the top exchanges to give you the best price. We have built a very smart and complex engine to get the price from various exchanges of various crypto coins.

Q — Sagar Sarda — Do you have any future plans of bringing stable coins?

A — We will take this into consideration as enabling stable coins such as USDT is not very difficult. We will look to bring the stable coins very soon on the B21 app!

Q — Aditya Sahani — Can I hold crypto coins as long as I want to?

A — No, this is the beauty of it! We hold all the coins in a regulated custodial wallet, Prime Trust and we always encourage people to Invest small and invest regularly.

We would like to thank the team of CryptoCub, for hosting the Webinar Session on Crypto Masterclass and inviting B21 to become a part of it. As we keep getting questions from our community, we look forward to conducting more such webinars to answer them. We will keep updating the future session on all our Social Channels, so don’t forget to follow us.

Stay Safe. Invest Regularly.


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B21 Invest August Update 2020

B21 Invest — Monthly Update August 2020

The current crypto market is bringing new opportunities with the rise of DeFi projects. According to a very popular website defipulse.com, there is $8.24 Billion total value locked in the current DeFi landscape. We covered the basics of DeFi in our latest AMA.

What have we been busy with?

We have integrated a very exciting feature on the B21 Mobile app — Crypto Deposits!

Now you will be able to bring your crypto purchased from any other platform/exchange to your B21 account.

This will give the users two benefits –

  1. These already purchased assets will be included in your B21 portfolio in a single place and you can keep a track of how your portfolio is performing directly on your B21 dashboard
  2. Crypto to Fiat conversions directly to your bank account

The video at the bottom will explain to you the steps on how to deposit your cryptos in your B21 app. We have also added a feature by which you can add the price of the deposited asset along with the date of purchase.


With a mission to expand the B21 family even further and answer all the queries the new crypto investors have, the B21 team has decided to conduct continuous Webinars and Live sessions. We conducted two such sessions in the month of August and the response was overwhelming!

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You can find a quick recap of our AMA in this medium article — B21 AMA Recap

What’s next?

We are working on to further improve the user experience of the B21 app. Some of the features we are working on –

  • Stake and earn interest for other coins — Currently, you can stake 500 or more B21 coins to earn 5% interest p.a. on them. Soon, you will be able to stake all other coins in your portfolio and earn interest.
  • Further revamping the signup and KYC process — We received a lot of feedback from the B21 users and we are redesigning the signup and KYC process completely to make it further accessible.
  • Country ambassadors — We are appointing B21 ambassadors in different parts of the world to help us promote and expand the B21 family even further. With this, we will integrate more local payment methods for these countries.
  • UPI withdrawals for Indian users
  • Partnerships with more wealth management firms and family offices

As always, your valuable suggestions are always welcome. Do not forget to follow our social media handles for regular updates!

Demo of the Week – Crypto Deposit using B21 App

Stay Safe. Invest Regularly.


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B21 Invest Webinar 27 August 2020

Recap of Live AMA Session happened on August 27, 2020

Here’s a little recap of our Live Webinar on “Do’s and the Dont’s of Crypto Investing” on August 27th. The webinar was hosted by Nitin Agarwal, Founder of B21 Invest.

In the webinar session, Nitin discussed the current happening in the Crypto Space, the Do’s and the Dont’s in Crypto Investing and also showcased the Live Demo to explain the steps on how to deposit cryptos using the B21 app. During the live demo, Nitin also showed the exciting new feature on the B21 Mobile app — Crypto Deposits!

AMA Session :

Q — KN Suresh Babu: How the income tax is computed on Crypto Sales?

A — We consider cryptocurrency as an asset, so just like any other asset class like stocks/shares where you do capital gains, you can do the same with cryptos as well by declaring your capital gains.

Q — KN Suresh Babu: Is crypto legal in India?

A — Yes, the crypto was banned earlier but going 4 months back, had lifted the ban on cryptocurrencies. So there is no ban on crypto as of now and you can buy, hold and transact in crypto. The Supreme Court has considered it as a part of innovation and has said that the government should foster this! There are also conversations going around on the legality of crypto in the country which in turn will clear things more for the traders.

Q — KN Suresh Babu — What happens when the government bans the cryptocurrency? What is the fate of our crypto coins?

A — There is no definitive answer to this question. The government will not be suddenly banning the cryptocurrencies, there will be some time given to the people before banning it. Even if the government imposes a ban, you can still sell your coins and withdraw your money.

Q — Sachin Choudhari: How small can an investment in Crypto be?

A — When I say small, it means small to each self. We at B21 enable people to begin their investing in crypto with a small amount of $25, which is roughly close to Rs. 2000. You can start small, learn about it, gain some confidence, and invest regularly thinking for the long term.

Q — Chitaranjen Nayackh: What is the minimum time period you suggest while investing for the long term?

A — I suggest to invest at least for 6 months but I personally think 2 years is a very good horizon to think about.

Q — Anant Kumar: How are you better than the competitors?

A — There are many competitors who provide a way to trade which we do not provide. We provide a way to invest in a portfolio, we provide a way to invest using easy and simple local payment methods, we provide a mobile experience using which you can invest quickly!

Q — Is Cryptocurrency safer than the Stock Markets?

A — There are risks in all kinds of investment, including cryptos, stock markets, or gold or property markets. So there is no definitive answer to which one is safer.

Q — What are the charges while investing in crypto using the B21 mobile app?

A — The charges are very well written on the website. The charges usually depend upon the type of payment method you are using.

Q — Shreyas: What’s in B21 for a professional trader?

A — The B21 app is not for trading, so for traders, there are many platforms available to help them in trading. The B21 app welcomes the investors in the crypto space and we are happy to take inputs and things which you feel that the B21 can do for your(crypto trading) community.

Q — Jayant Jadhav: How do bitcoin or b21 token gain value?

A — Anything gains value if we buy and sell them. Anything that has more demand and lesser supply, it gets value!

Q — Chitaranjen Nayackh: What is so special about B21?

A — When my father wanted to invest and asked me how can he invest in crypto, I had no answer to that because the exchanges have a very complicated interface. They wanted to start investing with a small amount, see how the industry grows and make money from the growth of the industry. That’s where we thought there is no easier way in the market for investing in cryptocurrency. With our platform, we made investing in 5 crypto coins using $25 look very easy.

We promised a Live Demo to our community in our last webinar and delivered it this time. We look forward to conducting more such webinars and will keep updating about it on all our Social Channels, so don’t forget to follow us.

Stay Safe. Invest Regularly.


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B21 Invest – Monthly Update July 2020

What have we been busy with?

Based on the valuable feedback our users provide, we incorporate product updates in the B21 app, thereby improving the User Experience even further. 

As the B21 family grows, we are integrating more and more local payment methods – ACH payments for US and UPI payments for India – two countries with the largest user base on B21 (yet). 

Some of the prominent media covered our UPI integration

With this integration and along with the recent surge in Bitcoin and Ethereum prices, we got an overwhelming response on our social media handles from many people who wanted to begin investing in cryptos.

To make users become more familiar with our mobile app, we have further improved our sign up process and allowed users to grab a look at the interface before completing the KYC process. 

What’s Next??

  • Stake and earn – We are working on to offer interest on your investments on the B21 platform
  • Payment methods – We are continuously working to integrate more local payment methods in the app to cover a more broad range of countries. We will also offer more withdrawal and deposit options to our users
  • B21 Card – Stay tuned!! 🙂
  • Listing B21 on exchange : We are working on this and will announce as soon as it is ready  

As always, your valuable suggestions are always welcome. Do not forget to follow our social media handles for regular updates! 

Add funds using UPI/NEFT (For users in India)

Stay Safe. Invest Regularly.


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B21 Invest – Monthly Update June 2020

Exciting things are happening at B21. There were a few things we promised to our users based on their feedback and we are glad to share that we have implemented a lot of new features in the B21 Invest app and have improved the User Experience even more. 

In this blog, we are going to share the updates we made in the month of June –

  1. We have integrated local payment methods for two of our largest user base (yet)
    •  ACH, the local bank transfer method for our users in the US. Now US users will have instant deposits and withdrawals with ZERO FEES on their B21 app
    • For our Indian users, we have integrated the much awaited UPI payments and now they can enjoy faster and low fee bank transfers
  2. We have completely revamped the Signup process and now a new user will be able to interact with their B21 app before completing the KYC process
  3. We also integrated B21 native token in the mobile application and users can invest in it to avail even more benefits and rewards –
    • Refer and earn  – Refer your friends to try out the B21 app and both you and your friend will earn $2 on successful registration
    • Invest and earn – Now your first investment of $50 will earn you a bonus of $5 in B21 tokens and every subsequent investment of $100 will earn you a bonus of $5 in B21 tokens
    • Earn interest on your investments – Users investing in B21 tokens will earn an interest of 5% p.a. on their investments. The interest is paid out monthly
  4. You can now simply enable a 6 digit passcode for logging in your app, thereby removing the hassle of typing your email ID and password everytime. 

Apart from these major product  updates, we have also made performance updates to give you a seamless investing experience. We are also partnering with leading payment and investing companies to grow the B21 family even more. Stay tuned on our Social Media handles for more information. 

As always, your valuable feedback is much appreciated!

Invest Small. Invest Regularly. 


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New Portfolio Management App Targets Investors With Just $25 to Spend

Simplified crypto portfolio app hopes to attract new users to the space by targeting investors with as little as $25.

B21 Founder, Nitin Agarwal, explained that the company’s mission to Cointelegraph:

“To bring digital asset investing to the mainstream, so everyone can participate in the potential returns without having to deal with the complex technology typically associated with digital and crypto asset investments.”

Agarwal told Cointelegraph that he expects about 90% of users to be first time cryptocurrency investors, but that the app also has something to offer to those who already hold digital assets.

“Even existing investors can find it complicated to invest using exchanges.  Exchanges are meant for traders while non custodial wallets are meant for tech savvy people who want to hold on to their keys.  B21 is largely focussed towards the people who want to invest but not worry about managing keys or get lost in the complicated experience of the exchanges.”

Source: Article

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B21 Invest – Introduction

Bitcoin, Ethereum and other cryptocurrencies have captured the attention of investors worldwide, not only because of the ingenious technology that lies underneath and the ability to challenge the status quo of many industries including banks but also because of the massive returns these have offered over a period of time. In 2019 itself, an investment of $1000 in Bitcoin would have risen to $1910 by the end of the year, an absolute ROI of 91%. Because of this, crypto assets have been termed “the best performing asset class of 2019”.

Our journey for B21 began with a simple yet challenging mindset-

‘To bring digital asset investing mainstream so everyone can participate in potential returns without worrying about the complicated technology associated with digital and crypto assets.’

After hustling for two years setting up the legal and regulatory framework, acquiring licenses and developing the cool tech that is the heart of our product, we are now proud to bring you B21 Invest — a mobile application where any user can create and manage a multi-asset portfolio at their fingertips.

“No Complexities involved, Simple interface to create and manage your digital assets portfolio!”

With the B21 app, you can easily invest using your payment cards, Domestic and International wire transfers and ACH.

B21 offers full custodianship of your digital assets, you are not exposed to CFD like our competitors, we buy and hold your actual assets. You can withdraw your cash value to your bank account at any time.

We are currently offering B21 Invest live in 65 countries including the US and we support 5 languages with more coming soon!

You can download ‘B21 Invest’ now in Google Play and App Store.

Stay Safe. Stay Healthy. Wash Hands.

Happy Investing!

Team B21

B21 and Digital Software Solutions

2020-03-31 13.24.10

B21 Invest – Weekly Update March 31

What have we been busy with this week

At B21, our team is dedicated to provide regular updates and product improvements even in the midst of a worldwide pandemic. The entire team is working from home — providing the best of the product updates and features. While taking care of family is the most important task at hand, we are focused and resolved to make B21, the best investment app.

The first set of users including our friends and family have already onboarded and started investing. Our marketing team is also working on an omni channel marketing campaign to bring more users into the B21 family.

Based on the feedback of our current users, we are constantly bringing updates on the B21 app giving a seamless experience. This week we improved the User experience by updating certain aspects in the onboarding process. We also added a new feature — You can now add funds directly to your cash balance in the B21 app so you can maintain a cash balance and invest instantly when you desire.

What’s next ?

Integration of the B21 Token — Very soon we will introduce the B21 token in our mobile application, which is used as a utility token and allows users to receive discounts when paying for their fees and to earn VIP levels in B21.

Exchange listings– We are in talks with the top exchanges to get the B21 token listed thereby increasing the external trades of the B21 token and giving additional benefits to B21 users. While timing is important, we do have agreements in place with exchanges to conduct the listing and are preparing for the listing launch..

ACH — We are now working on enabling instant deposits with ACH for our U.S. customers, this feature will enable users to fund their account directly from their U.S. bank instantly. This is one of the most requested features on B21 and we are making it happen..


Cryptocurrency a Future Beyond Investment

It’s no secret that it’s a tough time for the world of crypto, we have seen a lot of negativity surrounding the space lately, not to mention some very creative headlines! Generally spirits are down, but they shouldn’t be — it seems that a very important message has been forgotten about, something we are going to give you all a gentle reminder of!

While raising funds and increasing adoption is an essential element of the crypto space, it is important to remember that this is not the sole purpose — cryptocurrency is about so much more than the market price and a return on investment.

Bitcoin was not launched with a value of over $20,000 per Bitcoin, when it entered the market it was worth just $1! When the white paper was first released its main narrative was not as a ‘get rich quick scheme’, nor did it mention how to become an instant millionaire by investing, instead it angled towards the technology and its capabilities of creating a global digital currency. A currency that will allow anyone with access to a mobile phone access to financial service, a notion that is far bigger than just an ROI.

Now is a good time to remember that concepts such as coloured coins and counterparty were created on Bitcoin 2.0. Mastercoin the world’s very first ICO happened via Bitcoin and decentralised applications including Provably Fair Gaming and Proof of Existence were powered by Bitcoin — all while adoption, belief and market value were far lower than they are today!

Bitcoin introduced us to a vision of a world bank, a global currency that can change the way we do business, value money, make transactions and go about our daily lives! Somewhere along the line the vision has become blurred and judgement has become a little clouded, the focus has strayed away from the main mission of this revolution and the reason why we named it a revolution in the first place.

Bitcoin introduced us to a vision of a world bank, a global currency that can change the way we do business, value money, make transactions and go about our daily lives! Somewhere along the line the vision has become blurred and judgement has become a little clouded, the focus has strayed away from the main mission of this revolution and the reason why we named it a revolution in the first place.

Reflecting on the need for a global currency

Many of us living in countries such as the US and UK tend to take the financial system for granted — we get paid into our bank accounts, keep our savings in our bank accounts and are under the impression that our money is safe in our bank accounts. We go about our daily lives and don’t really give it much more thought! We are used to the headaches of hefty transaction fees and time-consuming transfers, we accept the inconvenient nightmare of trying to arrange an appointment with our bank manager and are used to our every financial transaction being monitored! But, why? Because we are told that this is the way it is and it’s not going to change. But the reality is it could change at any time, what if your bank was to go under or your country suffers a severe financial crisis, which in the UK with Brexit looming there is every chance could happen!

Climate change is another issue that has a severe economic impact on different countries around the world. A recent report by the United Nations Climate Change states that climate change is imposing serious economic and social costs on developing countries, costs that they can’t afford, but don’t seem to have a way out of.

Economic globalisation would help to increase revenues to nations that are in need of a burst of finance to help them work on their infrastructure and other needs so that they are better equipped to deal with issues such as floods, droughts, severe weather disasters and hyperinflation, all issues that we are seeing a lot more of. Things need to change and fast, and we already have the answer — cryptocurrency.

Building better business

Every business from financial management to not for profits can benefit from implementing cryptocurrency and its technology into its business structure. Cryptocurrency alone not only reduces transaction fees but it allows for faster payments, helps to reduce fraud and eliminate the strain of business-to-business cross-border transactions — opening up new opportunities for worldwide business. And then there is blockchain technology, which in itself is capable of transforming everything about business from data management and security to human resources and scientific research, but we already know all of this and we already know how to change it!

In a recent blog we took a look at some major companies that have already embraced cryptocurrency to help solve business problems and enhance their consumer experience. Now is not the time to sit back and watch, it’s the time to join them.

Cryptocurrency and its technology are evolving beyond that of an investment opportunity, Satoshi Nakamoto placed a concept in our hands to map a brighter future for all. So let’s take a moment to remember what cryptocurrency is predominantly about — creating a world bank and redefining new ideas! It’s about helping people to live better lives by allowing them to connect with the rest of the world financially, it’s about innovation and using the powerful messages that we have been given to create a better future for everyone!

As the saying goes, ‘Don’t let greed cloud your better judgement’, crypto is not the first investment to fall and it certainly won’t be the last, but unlike any other kind of investment opportunity out there, cryptocurrency has another narrative, one that can survive on its technology and capabilities alone!

This is our time to concentrate on building good products that can assist with the imperative needs of the world and to reflect on the main message of why this revolution started in the first place! Remember the world doesn’t change in a single day — it takes time. Keep the focus, keep building, keep changing the world — yes it will take time and along the way, there will be successes and failures, ups and downs, highs and lows, winnings and losses — in the end, it shall change. Ad Astra Per Astra — through hardship to the stars (or shall we say the moon) 😉

If you would like to find out more about cryptocurrency and blockchain technology, download B21 Life, our cryptocurrency and blockchain education and training app!