







INTRODUCTION





Cryptocurrency and blockchain technology remain the most disruptive and revolutionary

technology of the 21st century. Since the innovative creation of Bitcoin by the mysterious

Satoshi Nakamoto over 3500 other Cryptocurrencies have been created. This is resulting from

the success of the Bitcoin itself. Cryptocurrency was invented to change and revolutionize the

financial world as we know it, and the blockchain technology was created to serve as a

validation mechanism. Since then, the technology has come to be applied not only to the

financial financial sector but also to other industries like the oil and gas, real estate, education,

medicine and even law, just to mention a few.





However, despite the disruptive nature of cryptocurrency, and its invaluable benefits and

potential application, it remains limited, under unitized, and exceptionally volatile. The reason

for the underutilization is simply because it lacks real use in everyday life. Lack of everyday use

is one the factors that make cryptocurrency very volatile, customers and companies can rarely

use Cryptocurrencies for transactions. Hence, it is difficult for its value to be stable, despite its

advantages.

Introducing Fixy App, a blockchain based application that will facilitate the use of

cryptocurrency in ordinary everyday life. Fixy App is a blockchain solution, from cryptocurrency

enthusiasts to cryptocurrency beginners. The solution is giving users several benefits such as,

monetizing their Cryptocurrencies and being able to get paid in both FIAT and cryptocurrency

when they are selling their goods and services.









CURRENT SITUATION/PROBLEMS





No application of cryptocurrency to daily life

Despite the industrial disruption and technological advances that blockchain provides, one

area that is still largely untapped is usability of Cryptocurrencies in daily life. Both fiat currency

and cryptocurrency can be called money or currency, as they are mediums of exchange that are

used to store and transfer value, both can be used to purchases goods and services, both have

their value governed by supply, demand, work, scarcity, and other economic factors, both have

their value affected by the quality of the system surrounding it, both can be traded on

exchanges. However, Cryptocurrencies are very much limited especially when it involves

purchasing goods and services. As much as cryptocurrency has become a media darling, it is

still not widely or generally accepted. In fact, only a hand full of countries is cryptocurrency

friendly.





Difficulty in getting into the world of cryptocurrency

It is a very tiring task attempting to participate in the world of cryptocurrency, the interest of

newbie investors of cryptocurrency is truly put to the test at the point of first purchase. When

new and inexperienced cryptocurrency enthusiast gets into the real buying context, they realize

that is not so easy to acquire, and some may even lose interest. This is mostly as a result of

wearing registration procedures that investors have to undergo. Registering on exchange platform

in other to be able to liquidate one's cryptocurrency is another challenge as exchanges require

exhausting and time-consuming processes which involve KYC (know your customer) vali

dation which may take days or weeks.





This problem is further escalated because some financial institutions have barred their customers

from acquiring cryptocurrencies with their services. According to a coinbase report, Credit

card holders from four U.S. banks have been barred from buying Cryptocurrencies using credit

cards at Coinbase. This development is not exclusive to the United States alone, as British banking

group, Lloyds has also reportedly blocked card holders from several of its major subsidiaries

– including Halifax, MBNA, and Bank of Scotland – from purchasing Bitcoin on credit.





Centralized exchange

Decentralization Decentralization is at the core of blockchains value proposition; yet, central entities still play a

major role in the process of buying Cryptocurrencies. As a result of centralized nature of

exchanges, challenges facing these platforms have gravely harmed cryptocurrency traders and

investors who use these platforms. Exchanges have struggled to keep up with the breakneck

growth of the cryptocurrency market and enormous volumes so much that some of the

existing centralized exchange platforms have even begun to shut out new members because it

has become nearly impossible to keep up with demand. This makes it extremely difficult for

newbies newbies to acquire cryptocurrency. Cryptocurrency traders and investors have lost so much

money because these centralized exchange platforms have at some point ceased trading,

experienced outage, and crashed during times of very high volumes and demands.

No mass adoption of cryptocurrency

Despite the popularity of cryptocurrency, especially with the attention, the media has granted

it, there is still no mass adoption of the digital currency. This situation is mostly due to the

overly complex buying process it requires to obtain cryptocurrency. It is not as though you can

just walk into a store and purchase cryptocurrency, as nearly 2 billion adults are unbanked and

do not have the necessary bank account to buy cryptocurrencies.





The challenge of transforming cryptocurrency to cash

The last mile issue in cryptocurrency transactions has yet to be solved. How to transform

cryptocurrency into cash in only minutes? Cryptocurrency is a new and modern way to store

value. However, it becomes quite a challenge to transform said value into cash. Although there

are existing platforms that provide this service, it usually takes days for the transactions to be

completed, this can particularly be difficult for individuals who are urgently in need of quick

cash and cannot afford to wait that long.





MARKET OVERVIEW





In 2017 the cryptocurrency market reached an estimated $600 billion, and experts have

forecast that it will reach an inevitable $700 billion. Despite a lot of financial skeptics predicting

that cryptocurrency will fail in 2017, the value of the mother of all Cryptocurrencies, Bitcoin,

increased by an estimated 2000%. The Bitcoin capital market made a huge leap from $10 billion

to $300 billion in a single year. As at January 1st, 2017, the value of a single Bitcoin was $1000,

but Bitcoin reached a tremendous peak of $19,000 in December. There was a similar spike in

the value of other currencies such as Litecoin, ether, and various new Cryptocurrencies in the

market









About $3.7 billion was raised by ICO in 2017 alone, raising the question, what is the future of

venture capital? Despite skeptics and fear regarding the prospect of cryptocurrency in 2018

experts predict that the cryptocurrency market will continue to grow as institutional capital

gets involved. The cryptocurrency market is developing at an astronomical rate with market

capitalization values that are setting and breaking new records. Despite the frequent wobble,

the market manages to command an average of up to $2 billion worth of trade transactions on

a day-to-day basis.





THE FIXY NETWORK SOLUTION









Fixy Network makes it possible for people to use cryptocurrency in their day to day life. The

Network will include a decentralized marketplace and a decentralized Exchange. Getting into

cryptocurrency market has never been an easy process of a new cryptocurrency enthusiast, but

with Fixy Gift Card, which is going to be available in every corner store and going to be sold in

FIAT. The whole Fixy network is designed to facilitate easy entry into the world of

cryptocurrency and also has features that will allow efficient application of cryptocurrency to

daily life.





Key features of the Fixy Network





GIFT CARD

Gift Cards provided by Fixy will give an opportunity to people to get into the

cryptocurrency-world without going through any unnecessary verification process which takes

longer than it should. Purchase of the Gift Card is going to be provided by the Stores which are

verified by Fixy and are going to be easy to find using our Store Locator. Gift Cards will be sold

by FIAT money, which will be possible to deposit on the Fixy App where a user can use this

amount in decentralized Exchange and decentralized Marketplace.





OTC TRADING

The Fixy OTC trading feature is completely decentralized. The OTC trading feature of Fixy will

let users exchange their Cryptocurrencies both in cryptocurrency and FIAT money without any

fees charged by Fixy. To become part of the cryptocurrency world, people need to invest in a

coin with a FIAT value, but the exchange platforms which provide these services have fees

which make these transactions more expensive than they should ordinarily. These fees make it

impossible for the small investor to join the cryptocurrency-world. More so, centralized exchange

platforms usually have limits on the volume of cryptocurrency a user can purchase.





STORE FINDER

The “Store Finder” feature is going to let users

check their surroundings to find a Fixy accepted

store where a user can buy goods using Fixy. Also,

this feature will facilitate cryptocurrency trading, as

users will be able to use it to find their favorite

cryptocurrency and other traders who want to sell

or buy.





PRIVATE AND COMMERCE MARKETPLACE

The major criticism against cryptocurrency by experts and investors is that cryptocurrency

investments are hardly useful for everyday life. The Fixy marketplace changes things as it brings

together and organizes companies on the one hand (companies on the platform are referred

to as partners) and on the other hand, brings together customers (customers are referred to as

users on the platform). The fixy private marketplace is a network for the cryptocurrency world,

in that anyone can attend. Fixy commerce marketplace is a network for the Partner companies

who have paid the entry fee in Fixy Token to become a part of the platform for selling and

making ad making advertisement .





ICO DETAILS

















TOKEN SALE DETAIL









more information can see link below:



Website link: https://fixyapp.io/

Facebook Page: https://www.facebook.com/Fixyapp.io/

Twitter Page: https://twitter.com/fixy_app







Author

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Bitcointalk name : ayumichia





Bitcointalk profil : https://bitcointalk.org/index.php?action=profile;u=1427084



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