B21-01

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

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

A new cryptocurrency investment and portfolio management app for Android and iOS promises to lower both the technological and financial barriers to entry for new investors.

Launched May 7, B21 Invest allows users to easily create and manage their own portfolio of cryptocurrencies with a minimum fiat deposit of just $25. Coins can be purchased through the app using either bank transfer or card payment.

Investing in multiple cryptocurrencies, made easy

Once funds are deposited onto the platform, they can be used to buy individual assets or be split across a user-defined portfolio. Balances can be adjusted through the app’s dashboard, and individual assets can be sold and traded at will. B21 Founder, Nitin Agarwal, explained that the company’s mission is:

“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.”

Consequently, the app is available across 65 countries and in six languages.

The small print

Withdrawals, to a minimum value of $25, can be made for free via ACH bank transfer within the United States. They can also be made via domestic or international wire transfer, although this will incur a fee.

Planned future developments include the introduction of a debit card, to which funds can be transferred and spent, and the possibility to stake assets and gain interest through DeFi services.

Although the B21 Invest app does provide a smoother onramp for those who may previously have been deterred from investing in digital assets, the flipside of this is that it is a full custodial service. This will not appeal to those who demand full control of their private keys and wallets, although that isn’t really who it is aimed at.

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: https://cointelegraph.com/news/new-portfolio-management-app-targets-investors-with-just-25-to-spend

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B21 Invest – Introduction

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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

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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..





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Cryptocurrency a Future Beyond Investment

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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!

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The Dawn of Asset Tokenization

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When the word investment is mentioned most of you will automatically think of stocks and shares in companies such as Apple, Amazon and BP, gold, real estate and bonds. These are just a few of the most common investment opportunities that are made easily available to everyone, regardless of wealth level.

Investments into physical assets seem like a solid option, although they are still volatile, people feel comfortable investing in these type of assets because they are real. Amazon is a real company, you know this not only due to its significant media coverage but because, most of you will have ordered products from Amazon, which were delivered to your house and in speedy time . You can go to your local Apple store and purchase a new iPhone or iPad and bring it home with you today, and so when you invest into these companies you feel reassured that you are not just investing in a ‘dream’!

Alternative Investments

However, when it comes to virtual assets such as cryptocurrency, you are a little more skeptical, not only because the concept is just one decade old, but because these investments are not tangible. They only exist in a virtual world on the blockchain, which most of you do not fully understand due to the lack of educational resources, and so this is what makes the majority of investors nervous about investing in cryptocurrency. Especially, when there are more appealing physical alternative investments that are made easily available to all of you on the market such as, fine artwork, film and media, landmark buildings , French wine, sports teams, perfume, Disney World and a Grand Prix Race Car, right? Why would you want to invest in cryptocurrency when you can easily invest in Madison Square Garden?

If only it was that easy! Some of you reading this right now, will not have even been aware that such investments were even possible! This is because these type of investments, which are not new, and have existed in abundance for decades, are not currently made available to everyone, they can be difficult to legitimately source for the average person, due to the fact that they are often reserved for the ‘Elite’ and those ‘in the know.’

But, what if it was possible to combine cryptocurrency and tangible alternative investments, enabling anyone, anywhere to invest in unique and exciting retail assets regardless of wealth level or status? Would cryptocurrency then become more appealing to you?

Welcome to the dawn of tokenized retail investment portfolios, where cryptocurrency is able to tokenize assets by converting the rights to physical assets with economic value, such as a rare French Bordeaux, into a digital token.

The cryptocurrency sector is presenting new models of raising capital, which is secured by blockchain technology and makes it easier than ever before for global investments to take place without territorial barriers.

How does Asset Tokenization work?

On the blockchain tokens can be used to represent an participant’s shares in an investment, the value of which is then managed via a contract (smart contract) that is written and stored on the blockchain . This will allow investors of all sizes to participate in all different kinds of retail investments. As the blockchain is immutable, once an investor buys tokens, their ownership details can’t be erased or edited and so there will be no dispute in the future of who owns what as it will be sealed within the crypto space for all to see.

The tokenization of retail assets also opens up the opportunity to allow investors to increase the diversity of their investment portfolio by allowing anyone to own part of several different assets alongside their cryptocurrency investments. If you would like to own a fraction of a heritage building such as a Historic Scottish Castle or an English Country Manor, a percentage of a boutique hotel and a share of bottle for fine French wine then you will be able to — something that is not currently possible for everyone, without tokenization.

Why should limitation be placed on investment opportunities, when it doesn’t need to be?

B21 is launching something new….The B21 Investment platform, which is set to transform asset management, by bringing alternative investments to your fingertips via our goal based investment app. With B21 there is no middleman, no borders and no limitations. B21 allows you to manage your investment portfolio your way!

Interested to find out more? Join our Telegram group to find out more!

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Solving the International Payment Problems of 2019!

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The world has become smaller, it is more connected, the way we communicate, the way we work and the way we transfer money from person to person is ever evolving, so much has changed in the past decade! The traditional 9–5 office is dying out as more people are choosing to work remotely, which allows us access to a different kind of lifestyle, enabling us to do what we want from where we want via a mobile distributed network.

As technology advances, more businesses are recognising that talent is not necessarily grouped in one geographic location and we are seeing a rise in the number of job adverts placed for ‘freelance’, ‘remote’, ‘GIG’, workers.

This allows those that live in remote locations, those who do not want to be tied down to one place and those whose personal circumstances require them to work from home, to pursue an online remote career.

Working as a digital nomad has become a popular trend, especially for the innovative millennials who seek to explore the world, earn a living and shape a successful career at the same time.

This shift in the working lifestyle has many benefits for both employers and employees, most notably with cutting down on expenses and fees.

Add Your Heading Text Here

Despite advances in technology, there is one pressing issue that is still causing a headache for both employers and employees of the remote community — cross-border international payments!

Banks and payment platforms such as PayPal charge hefty fees for International transactions, which can take days to execute. For many, opening a bank account can be difficult especially if you are travelling the world, or are not an ‘official resident’ of the country that you are currently based in!

And it doesn’t stop at the transaction fee, there is also the issue of unreasonable currency exchange rates. If you are a freelance worker with a few different clients from around the world then you will be charged per payment per client, which can add up to a large part of your salary.

If you are someone who needs to send money to a family member overseas or pay for bills or debts in another country this can again add further stress and charges to your finances — suddenly the ‘Digital Nomad’ dream seems like a frustrating international payment nightmare!

The International Payment Solution

What is needed is a payment solution that is borderless, that does not incur hefty fees per transaction and that is almost instant! What if there was already an option that would allow you to do this and much more? Welcome to the cryptocurrency revolution — and you thought it was just about investing?!

Opting to be paid in Bitcoin or another cryptocurrency, which as a borderless currency will not only eliminate transaction fees but will also allow you to receive and send your currency to and from anywhere, almost instantly. And so, If for example, you are living in Asia and you are due to receive a payment from Europe, which you then need to transfer to the UK to pay some bills, with cryptocurrency this could all be sent and received on the same day!

Choosing cryptocurrency as a payment method enables you to receive payment by the hour, day, week or month around the clock 24/7 and instantly, which means that you are in control of how you work and when you get paid. Paying employees in cryptocurrency is also a huge benefit to any business, especially large international corporations who also suffer the burn of international transaction costs and the cost of running a full-time payroll department (Which, is equally as expensive).

Aside from borderless, instant transactions, there are many additional benefits to having your salary paid in cryptocurrency. You will no longer fall victim to unreasonable exchange rates, and nowadays almost anything can be paid for in cryptocurrency. Our previous blogs take a look at what you can pay for with cryptocurrency and where you can go on holiday with cryptocurrency, so there is no need to worry that by receiving payment in crypto you will be unable to spend your money as payment options are advancing by the day around the world.

It is also possible to make small payments with cryptocurrency for things such as a blog membership, to download a music album or movie, or to subscribe to your favourite news publication, often the cost of such things are only a few USD or Euro, however when using a bank to action the transfer, the cost will become significantly more, and depending on which country you are in the option of transferring a small amount might not even be available. And then, of course, there is the added bonus that Cryptocurrency can make for a good long-term investment opportunity, allowing you to gain from saving part of your crypto salary each month!

Innovative Payment Options

But, what if you opt to be paid in cryptocurrency but still need access to fiat currency? How would you manage this?

The cryptocurrency sector is advancing by the day and we are continuously seeing innovative projects enter the market, which supports alternative payments, such as UK based payment platform PayGlobal, the first company to offer Cryptocurrency to Fiat transfers onto existing bank cards, providing its customers with a quick and easy way to access their funds. The UK based e-wallet service, which is licensed by the Financial Conduct Authority (FCA) currently supports Bitcoin, Etherum and XRP. In addition to supporting conversions from cryptocurrency to fiat on to existing bank cards, PayGlobal also provides the option of directly sending cryptocurrency to a wireless ATM machine and withdrawing the funds in fiat! The PayGlobal service is currently serving customers throughout the European Union, Australia, Singapore, Mexico and Nigeria!

By opting to have your salary paid in crypto and by using a service such as PayGlobal you can have the best of both worlds. You can enjoy the digital nomad lifestyle, own crypto, save crypto, transfer crypto into fiat and save on international transaction fees and exchange rates.

Whatever your international payment needs, whether it be to receive your salary, send money to your family or to simply pay bills in another country, alternative payment options such as cryptocurrency provides you with a fast, efficient borderless payment option, which will save you both time and money!