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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To ask if anyone dabbles with bitcoin?

899 replies

MollyWantsACracker · 23/08/2017 13:34

Disclaimer: I am totally clueless

I bought a few euro worth today, just for fun really

Anyone else?

OP posts:
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worridmum · 17/01/2018 18:36

I bought in when it was £5 and sold out near its peak and made a tidy £23,000 profit (as in i sold my Bitcoins and walked away with this amount on-top of my original outlay).

I might buy in again if it drops below £50 otherwise i would stay away from it.

I would not be surpised if the market crashed pretty hard and people moved onto the next "big" thing.

Viviennemary · 17/01/2018 18:46

I expect everyone will be snapping up the bargains. Bitcoin at a mere £7K per coin or just over. Hmm Fill up the coffers for the next folk to come along. Ponzi scheme.

WickedGoodDoge · 17/01/2018 18:48

I do love the reddit Doge forum. Everyone there is now debating whether Doge decided to explore the bottom of the ocean before heading to the moon. Grin Grin Grin

MNOverinvestor · 17/01/2018 21:59

I LOVE twitter - sigh - where do you think all those worthy 20,000 worder articles came from? Because it's a useful work tool for me, most of my timeline is full of ban plastic, world peace stuff (thoroughly worthy things I believe in) and then - whoah - I get a series of crypto-related, testosterone-fueled gifs of rockets landing on moons. So many rockets before Christmas. Less at the moment, to be fair. It's a bit Apollo 13 at the moment out there...

DGRossetti · 17/01/2018 22:03

I rather like some of the notions about Blockchain.

If you can picture it as a computer in it's own right, you're there.

MollyWantsACracker · 17/01/2018 22:53

Humm humm wizzle wizzle

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Viviennemary · 21/01/2018 16:01

I heard a rumour it's going to drop like a stone. Because of this thing called lightning.

Saysomethingnice · 21/01/2018 16:23

Well my money still not returned to be, their coin base bank has taken my o. Oo3 of a euro I have paid nationwide transaction fee... But still no bloody money. Its excurtiating.

Viviennemary · 21/01/2018 16:47

They are all chancers and crooks IMHO. How much money are you waiting for. Where would you complain. The Banking Ombudsman.

YenneferOfVengerberg · 21/01/2018 16:48

Viviennemary do you actually know anything about Bitcoin or blockchain? You keep wittering on about Ponzi schemes, do you even know what than means? Or are you just talking out your arse as usual.

endofthelinefinally · 21/01/2018 17:05

Saysomethingnice
Have you provided all the information required to the exchange and to NW?
They do need extensive proof of the provenance of all investments and profits.
Also, IME exchanges/banks will deal with each other but exchanges wont deal with building societies.
Are you in touch with them?
You have to keep on.

Viviennemary · 21/01/2018 17:09

I know enough about Bitcoin to know it's a con.

Julie991 · 21/01/2018 17:12

I think they've lost about 50% of their value since Christmas & still heading down . One to avoid I think!

MollyWantsACracker · 21/01/2018 17:40

I hope it does go down a bit more so that I can buy some more before it takes off again
Hovering around 9.5e at the moment Julie so not exactly cheap

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WickedGoodDoge · 21/01/2018 17:52

I’m in hibernation, though I’m keeping a close eye on the testing/implementation of the Lightening Network which seems to be going well. SegWit seems to currently be sitting at a 19% adoption rate which is a steady improvement. I’m happy to hibernate until LN is widely adopted.

user1471439240 · 21/01/2018 17:53

Down over ten percent today, when will it end?

cozietoesie · 21/01/2018 17:54

After the Winter Olympics.

Probably. Smile

WickedGoodDoge · 21/01/2018 17:54

I think we could easily get to about £5k.

Viviennemary · 21/01/2018 18:03

I was right. I warned people against this con. It's the biggest daftest Ponzi/Pyramid scheme yet. Why don't people get it into their heads there is no growth. If every MNetter put in £10 to a kitty not everybody could take out £10K. Some could if they got in quick. Loads of people have to lose for somebody to win big. But that doesn't seem to have sunk in yet.

user1471439240 · 21/01/2018 18:07

Its a classic pump and dump. Chinese regulation started the fall, todays Indian regulation will start the freefall to sub $50.
This is not financial advice.

cozietoesie · 21/01/2018 18:17

I didn't realise that India had started regulating.

DGRossetti · 21/01/2018 18:46

Be curious how well the regulation works for BitCoin specifically.

As with most things, there's many a slip twixt cup and lip. Just saying something is "regulated" doesn't make it so, as anyone who fancies an illegal drug knows ...

Saysomethingnice · 21/01/2018 18:59

endoftheline all I was asked to do right now (weeks ago) is verify my account. Nationwide said as the payment to verify had been taken and the 9 pound fee theory shouldn't be an issue with account verification.

endofthelinefinally · 21/01/2018 19:03

Keep chasing, Saysomethingnice.
My friend had a similar situation and was worried for a while.
They asked him to provide his transaction history going back several years.
Luckily he was able to do that, having already collated it all for HMRC.
It all came through in the end after a few weeks.

starfro · 21/01/2018 20:18

This is what you get when you put money into unregulated exchanges. I think that there could well be huge amounts of criminal activity going on (just look at the Ponzi scheme Bitconnect, which has collapsed in the last week). At the very least it's a haven for money laundering, and if you make any large profits trading your bank will ask some serious questions, or refuse it entirely (the latter has already reported to have happened). People are having problems getting money out of exchanges, which raises the question as to their liquidity.

Tied to this, and even more worrying are the allegations surrounding Tether and Bitfinex. The following is information that is currently being discussed online (some of this I'm simply relaying what I've read):

For those that don't know, Tether is a cryptocurrency that is supposed to be pegged to the dollar. The company claims that investors deposit cash, and then they receive Tether in return, which they either keep or trade with. Because of the supposed 1:1 ratio, many exchanges are giving crypto prices in Tether, rather than USD. The terms of Tether state that you will not necessarily be able to transfer a Tether back to USD.

The problem is that Tether lost it's banking partners 9 months ago, yet somehow it is claiming that institutions are "investing" in Tether in ever higher quantities. They claim $500 million in the last week, to make the total $2billion. The company have not been audited to prove that they have $2 billion in their bank. Their last bank severed ties in 2017, and they won't name their new bank.

It would seem bizarre that institutional investors would put $100 million a day into a company that won't provide an audit, nor name its bank, in return for tokens that the company say they won't necessarily convert back to real USD.

The people who own Tether also own Bitfinex, a crypto exchange (this info came out in the Paradise papers). The allegation is that they are printing Tethers that aren't backed by deposits, in order to provide fake liquidity to their exchanges. They could also be manipulating the prices as well using this fake money. Certainly, if you look at the charts you can see areas which look like price manipulation. They could also be money laundering, or simply using the exchanges to sell people worthless Tethers in exchange for real US dollars, using the crypto currencies as a sort of arbitrage.

This isn't without precedent. It's been shown recently that the previous Bitcoin bubble and crash was cause by similar behaviour. Bots artificially pumping the price - Pump and dump. The main exchange back then, mtgox, did not have sufficient liquidity and lots of people lost a lot of money.

I'm not in a place to give financial advice, but if you have any money in exchanges please be sure that you will be able to get it out. Exchanges have gone bust in the past, and they are unregulated so don't need to provide evidence of their own liquidity. Be aware that any money deposited in an unregulated exchange won't be covered by the UK regulator, so if they don't give you your money you are pretty much stuck.

Further reading if interested:
www.bloomberg.com/news/articles/2017-12-05/mystery-shrouds-tether-and-its-links-to-biggest-bitcoin-exchange

(that headline is $814 million, it's now $2 billion a month later!!)

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