Bitcoin Bumps Up, but for How Long? - CoinDesk

Instacoin UK - Last Chance (up to end of Oct) to get a free £10 worth of Bitcoin (same day) for £100 Bitcoin purchase

Instacoin UK , a popular cryptocurrency exchange, are updating their referral scheme from 1st November 2020. The referral amount will be adjusted to a £5 bonus for any purchase over £50. Currently it is a £10 bonus for any purchase of £100 or over.
Instacoin UK is a website which allows you to purchase Bitcoin with your Visa / MasterCard or via a bank transfer. They have been around a while used by lots of beermoneyuk users already.
Instacoin UK are going to honor the £10 bonus scheme for any new customer signing that sign up and purchase £100 of Bitcoin or over until the end of the month. You get the free £10 worth of Bitcoin immediately after purchase! The whole process (including receiving your £100 back in your bank account) should take less than an hour.
The Process
Sign up via my referral link.
Referral link: https://instacoin.uk/ref?code=54C9787
£10 bonus
Non-refferal link: https://instacoin.uk/
No bonus

Steps:

  1. Sign up with the referral link above
  2. Verify your account (driver's licence, passport or gov issued I.D)
  3. Click buy at the top of the dashboard and select BTC, with a purchase amount of £100
  4. Enter the Bitcoin wallet address you want the money paying to.
  5. Pay using by Visa / MasterCard or bank transfer.
  6. You're done! The £100 of BTC will reach your bitcoin wallet usually within 15 minutes or so.
  7. The £10 bonus you receive in the form of a code in your email after the £100 of BTC is sent. Click the email link, enter the code, provide your wallet address again and you'll receive your £10 of BTC for free :)

Once the £110 worth of Bitcoin is in your wallet you are free to do whatever you want with it. I sent mine to my BlockFi account for savings.
You can also get an additional £10 reward for every person you refer up to the end of the month, after this it is £5! Any referral bonuses are given to you at the end of the month).
Let me know if you have any questions.

UPDATE 24.10.20: There is some confusion about the referral amount as being £5 or £10. InstaCoin UK have confirmed That is you sign up with an exsisting customers link (like mine), and complete a £100 purchase before the end of October, you will receive £10 in free Bitcoin credited to your account.
My Referral link for the free £10: https://instacoin.uk/ref?code=54C9787
UPDATE 28.10.20:
Here is a copy of the email I have just received from InstaCoin. I can verify that the mempool is super busy at the moment:

We have received a number of support tickets regarding the delay in BTC confirmations. Rather than reply to everyone individually we would like to address this issue as a whole and give a quick explanation to all our users about why this is occuring:
Sometimes, for a variety of reasons, there will be a spike in the number of BTC transactions that are waiting to be confirmed. That will cause a delay in confirmation times, and increases the price of fees required for a transaction to be included in a block. You can see the current number of unconfirmed transactions here: https://www.blockchain.com/charts/mempool-count?timespan=1week.
Transaction fees directly influence how long you will have to wait for transactions to confirm. At InstaCoin, we broadcast all our transactions with a Regular fee. This fee is covered on our side. It is usually around 0.0001 BTC or £1. Up until the last few days, there has never been an issue with confirmation times.
With a high priority fee, it is likely that transactions will get confirmed quicker by miners. Currently, we are looking at a 0.001BTC/£10 fee to push through transactions at a normal rate. As you can imagine, this is not an expense InstaCoin can cover and we also believe our users would not want to pay this fee either.
We believe the best solution is the one we are currently employing. The delays are frustrating and we feel that frustration too but the current mempool (waiting room) is unprecedented and we will return back to normal ways soon.
The important takeaway we want our users to have from this is that, from our side, the BTC is sent out instantly to your wallet and usually this would get confirmed in a short space of time. At this moment things are taking a bit longer, but the end-point is that you will 100% receive this BTC eventually.

Also remember to complete your sign up and deposist before the end of the month to be certain of getting the free £10 in Bitcoin.
My sign up link again is: https://instacoin.uk/ref?code=54C9787
Sign up code: 54C9787
If you have any questions just let me know.
submitted by TidyCompetition to beermoneyuk [link] [comments]

The drowned millionaire, poisoned pooch, secretary from hell and lawyer gone wild. A very long work in progress.

The drowned millionaire, poisoned pooch, secretary from hell and lawyer gone wild. A very long work in progress.
I literally don't know where to start with this. It's been going on for a month now, and the guy has sent over fifty emails. I'm in lockdown with nothing to do so this is it. I've also set up a functional webpage to guide him to, but the logs indicate he is using a proxy in the USA. Still it lets me flesh out the characters a bit. TPDNE is great for website photos.
It all began with a lovely email in my normal Gmail account to say my uncle had left me some cash and could I get in touch. So I arranged for Sir Dr John Mansfield to do just that. Suddenly the deceased's surname became Mansfield too!
As John put it:
It's a little difficult to explain what my occupation is these days! As you probably know, I'm a very well-known retired businessman and these days having millions or billions in the bank is just boring. So getting involved in little projects like this is really what I like to do. And sometimes even travel a little. I had a gentleman in Mali who arranged a similar, very lucrative project. I actually flew there! And he had disappeared. I don't know, I think he wasn't well. But you know, I loved Bamako. I actually invested in a real estate project there. I sent them some tiny amount - maybe $10 million or so, less than my country cottage is worth, and they sold me a skyscraper! They have promised me I can come see it next time I'm in Mali.
I've actually had someone contact me with the same problem you have now; apaprently some long lost uncle of mine died in the Phillipines and I just paid some tiny amount of stamp duty (will I need to cover this with you too?) and eventually they will be sending me the estates of poor uncle Jimmy. Anyway thank you, it's nice to chat. I'm losing my memory quite badly and sometimes get lonely out here on the Moors in my luxurious castle of solitude so it is great to hear from friendly and helpful people like you.
Do you know my nephew Finken? He used to live in Togo, or Toga, or maybe it was Texas? Not sure. If you'd like to arrange your flights please go ahead. I'm halfway between Assleby and Laytham; just ask anyone around and they will direct you. Just turn right off the main road, and head down the driveway. I'm about seventeen miles down the main drive. There is a row of ancient elm; turn right here, and drive about five miles along until you see the towers. Just shout "ahoy there Sir Mansfield" and I'll come out with a dram of Laphroiag to great you.
This reminds me of when someone in Mali wrote to me, and we arranged a whole thing. For about $20m I bought a whole office building! Quite extraordinary. My nephew Finken used to live in Mali, or Togo I think. Anyway my memory isn't so great.
An hour later David hadn't replied! This won't do
Sir John:
I need to move on this immediately send the details let's get on with it I'm heading to Bangladesh for a sensitive matter will be unable to email/write/eat for four days please hurry up and stop wasting my time. I need $45,000 by Thursday morning. My boy can send through the necessary.
[That got him going:]
Dear Mr John, I have already send the information to the bank but yesterday the bank said they need your copy passport too for identification before they can proceed in the processing.
SJ: No problem at all. Does that need to be notarized?
[several emails later..]
SJ: I've attached the passport as requested
[note: nothing attached...several more emails back and forth]
SJ: I have attached a copy, I hope it is OK, I have very poor eyesight. I’ve had the boy block out my face in case it accidentally falls into someone else’s hands. Let me know if that’s a problem. [passport is a stock photo of a passport almost completely blacked out]
SJ: I’ve just received an email from my secretary. They are trying to get power of attorney which means I will have no power over my own finances. They tell me they will “take care of my bitcoin” and “everything will be ok”. I have nowhere to turn. Please remind me how much this inheritance is. Can it please be paid to a different bank account. I can’t have them knowing about this. Please please hurry. This has to be completed within about 48 hours.
Yours in concern
Johnny
[despite no passport or anything useful sent David writes back:]
Dear Mr Johnny,
I have submitted the passport to the bank so I am expecting that the bank will contact you.
The total amount to be transferred to your account is USD30 Million
As soon as the bank contacts you do let me know.
[30 million!]
Dear David:
Thank you so so much my man.
Praise Jesus, I have never experienced such honest business before. May you be bless with the Lord’s grace my friend. And all the Blessings of heaven.
I do hope the bank would be kind enough to contact me very soon, as that bitch Miss Hedda and her gang of goddamned usurpers are going to steal what’s mine like the bloody scum they are.
May God grant you all you need and if we don’t speak again,
Bless you in the name of Jesus.
Love,
Johnny
[finally he asks me for some cash:]
Dear John, I am still waiting your call , besides the bank said that since your passport has no picture that they will legalize it so they demands that i go and legalize it and bring to them. Send me immediately by western union the sum of $350 to legalize it here. send it in my name name: Tamale David city: Lome country: Togo Send the information urgently let me get the money and do the legalization so that the bank will start the processing of the transfer to your bank account Regards,
[another email to David, subject line is a Smiths song title:]
THIS IS A CODE
DO NOT TELL MISS HEDDA
David:
OK I WILL NOT TELL MISS HEDDA
DO SEND THE MONEY LET ME COMPLETE THE LEGALIZATION OF THE PASSPORT AND SUBMIT TO THE BANK ON MONDAY SO THAT THEY CAN PROCEED IN PROCESSING THE TRANSFER TO YOUR BANK ACCOUNT
[I reply] On Sat, Aug 29, 2020 at 12:40 PM <[[email protected]](mailto:[email protected])> wrote:
THIS EMAIL IS IN SECRET CODE. My office is screening my emails as they have now established power of attorney over all my affairs - but only if they know about them! There are certain words we cannot use. The one starting with "m" and the place you are going on Monday especially. I'm going to need to you send me the email again but please replace the words with the ones below so I can delete the previous email. Lower case is also better for the office's so-called "spam filter". I have sent 350 "BAZOOMBAS" as requested.iF "DAXID" can Speak to the "BONK" on Monday may they transfer to my BONK account. YOU need to sort out the BONKING as soon as possible. We can't wait until Tuesday to do BONKING. you MUST BONK on Monday. I can BONK on Monday but I never BONK on a Tuesday. Please confirm you will 'BONK' on Monday. thanks, Johnny M

[I've had him completely retype a few emails to put them in lower case]
anyway that's enough for John. Enter Hedda..I'll add a comment


Sir Dr John from his website
submitted by thisisforscambait to scambait [link] [comments]

Introducing Passport, an open source Bitcoin hardware wallet by Foundation Devices

Introducing Passport, an open source Bitcoin hardware wallet by Foundation Devices

https://preview.redd.it/g1umpbwaytd51.jpg?width=2560&format=pjpg&auto=webp&s=afb8af2a560f56d4ed9ab2d1d6522a7144b25b96
Hey Bitcoin, I'm really excited to share what we've been working on. Our goal at Foundation Devices is to build the open hardware layer for Bitcoin and the sovereign Internet – we believe open source software like Bitcoin must run on open source hardware.
Our first product, Passport, is an attempt to make open source beautiful and intuitive. It's a Bitcoin hardware wallet that makes it easy to store your coins yourself, rather than relying on exchanges like Coinbase. Passport allows you to experience true sovereignty and ownership.
Passport is designed to be elegant; something every Bitcoiner would be proud to carry. We use high quality materials like soft-touch plastic and copper-plated zinc alloy. At 4 inches long x 1.5 inches wide x 0.8 inches thin, Passport is comfortable to hold and use.
Passport’s interface is intuitive and familiar, with a simple navigation pad and physical alphanumeric keypad. There’s no need to learn how to navigate the menus and enter PIN numbers and passphrases – you already know how to use Passport.
To sign Bitcoin transactions, simply insert a microSD card or scan a QR code. Passport is already compatible with most popular Bitcoin wallets, including BlueWallet on iOS.
Passport is open source; the circuit board designs and firmware will be published on Github, with hardware licensed under CERN’s Open Hardware License and firmware under GPL3. No unknown code will run on the device.
Completely airgapped, Passport is powered by two AAA batteries and includes no USB port, Bluetooth, or wireless communications of any kind. Passport has numerous security features, such as security lights and an avalanche noise source for entropy. And Passport uses more trustable components, like a screen with circuitry etched directly into glass, which allows for easy inspection at production.
Foundation Devices is headquartered in Boston, and we will proudly assemble Passport and our future products in the USA!
Passport will launch for preorders in August and will ship by late December. We have already received over 800 email reservations for our first edition batch of 1000 units! Reserve yours today at https://foundationdevices.com.
Let me know what questions and criticism you have.
submitted by zherbert to Bitcoin [link] [comments]

I ruin people's lives for fun, this is my story.

Let me start by introducing myself, my name is Alex. I am 20 years old and clinically diagnosed with ASPD or Antisocial personality disorder. My diagnosis was given to me back in high school in my Junior year. It was pretty hard making friends or at least keeping them. You see when I try to make friends I usually only go into a relationship because of one thing; to get something in return. You could call it manipulating or deceiving people but, I don’t see it that way. I’ve had many therapists and physiatrists try to help me or figure out what’s wrong with me in the past but, I would just feed them the information they want to hear. Its pretty simple, give them all the shit they need to write down on their little piece of paper and it is music to their ears. Besides that, let us get to the story. Now you see the two key people back in high school were “Mike” and “Connor” and they were it. They had the girls, the popularity, the friends. They both were the biggest athletes in the entire school. This is important because I wanted that, but I couldn’t have it. Call it jealousy or whatever but, who wouldn’t want people to look up at you and have their names written in the daily paper.
High school was a bitch for me. I never had many friends or any real ones at least. I was known as the weird kid but, whatever right. Everyone says high school is tough for everyone. I believe it. Life gets back at people who deserve it though. Now Mike was the quarterback of the football team and he knew everyone and everyone knew him. I one day sent him a message on Snapchat and said: “Hey Mike, I know you don’t know me but, I think you’re a cool guy.” He then replied with “Who are you? Whatcha want dickhead?” I told him “Nothing much man, just thought we could be friends or something, we’re in the same Spanish class.” He said, “Oh, cool your that kid that sits in the back right?” I said, “Yeah, what you doing?” He then said, “Nothing much man, listen I got a party next weekend with a free crib if you tryna come.” I then told him I’d let him know. This was perfect because I knew exactly what I would do. I planned on seeing Connor there with his girlfriend Liz. That was important because I hated seeing the way Connor would treat her. He just used her for sex and shit and never really respected her. I knew how I would fix that though, and it would be at that party.
Well, I got to the party and there were at least 50 kids there. I saw a couple of familiar faces but couldn’t care at all. I was there for one thing and one thing only. To ruin their relationship. Call me a dick but, he was way worse than me. I once saw Liz come into school with a bruise on her face and knew it was from him. I finally saw them out back near the pool. I had a plan. I would text Connor’s phone from a different number making it look like it was some other chick texting him and Liz would be right there to see it. I went outside and he was drinking, probably already drunk. I could see them from across the pool and haven’t seen Mike yet. I was about to text him and then Mike came up and tapped me on my shoulder with two drinks in his hand. He said “Yooo, Alex you came!” I laughed awkwardly and said, “Yeah man, wouldn’t miss it.” He said, “You want a drink?” Gesturing the second cup to me. I took it and said “Thanks, man.” He said, “I’ll see you around, there’s more beer in the kitchen.” He walked away and now I pulled my phone out. I went on to the app which I would text him from and texted: “Hey Connor, I had a really good night last night with a winkie emoji.” I then sent it waiting for Liz to look over his shoulder. She did and read the message. They started to argue and Liz poured his beer all over his face. My plan was working just right. I then saw Liz walk inside in a rush. I pretended to bump into her and said: “Oh my fault didn’t see you there.” She laughed and said, “Oh my god, it’s you, Alex.” I then laughed as well and said, “You good?” She replied with, “No actually, I just found out Connor was cheating on me with some slut.” I said “Oh, that blows … you want a ride home?” She said, “No I’m good, I’ll just have Grace drive me home.” I preceded with, “You sure, I live super close to here anyways, I was just about to go home too.” She said, “Ok, sure that’s fine.” I then got in my car and we started to talk. I said, “So, how’d you find out?” She said, “Some bitch texted him saying that they slept together last night.” I then said, “Damn, what’s your address by the way?” She then said something that surprised me. “I can’t go home like this, my moms gonna know I’m drunk and I’ll never be able to go out again.” I said, “Well, what you wanna do then?” She said, “Um, I don’t know .. we should go to a park.” I said, “Oh ok, what park?” She gave me the name and we went there. I parked my car in the parking lot and said: “Whatcha tryna do now?” She then said, “Shut up stupid.” Hushing my lips for me. We made out that night and I dropped her back off and went home as well.
That week in school I got a snap from Connor. It was during lunch and I clicked on it. I saw the five words that couldn’t make me happier: “I know what you did.” I replied with, “What? What did I do now?” He said, “you hooked up with Liz.” I left him on open and went about my day. I then saw him in the parking lot after school near my car. He came up to me and screamed in my face: “SO YOU THINK YOU CAN JUST STEAL MY GIRL WITHOUT ME DOING ANYTHING?” I laughed right in his face and said, “Well, she isn’t with you anymore now, is she?” He then yelled: “Well, you think you’re just going to go about your day or something?” I said laughing, “Yeah, I was planning on going to Liz’s house after school.” He then jumped on top of me pinning me to the ground, socking me right in the jaw multiple times. I tried throwing some back but, he had my hands pinned to my side. He got up and said, “Fuck with her again and you won’t be getting up.” I got up with my nose bleeding and got into my car and went home.
That was 2 years ago and boy have I got my revenge. Let me start by saying I have no regrets about what I did. Everything I had done was for my satisfaction. You see I don’t care who’s life I ruin … as long as I get something out of it. Connor graduated high school with not much going for him. He had a job at a car dealership as a mechanic or something like that and never went to college. I never went to college so I won’t judge but, I had other plans after high school. I wanted to ruin Connor’s life, and I never stopped until I completed that process. It started with pretty small things like when I tried ruining his relationship back in high school. He was always a dick and who better to fuck with then a worthless piece of shit like Connor. I messaged him a couple of months ago saying: “Hey old friend … remember me?” He replied with “Yeah, the kid I beat the shit out of … I remember you.” I knew he would say something like this so, I sent him a picture of myself and his sister I photoshopped to look as if we were together. He replied with, “What the hell are you doing with my sister … she doesn’t date weird fucks like you.” I replied with, “Oh well looks like her type changed?” I was just sitting on my computer laughing my ass off from how gullible this kid was. He then messaged his sister Claire, which I thought he would do. “Are you dating a kid named Alex?” I had hacked into her phone which was pretty easy because I sent her a phishing email that looked like a women’s clothing company that I knew she had an interest in because of her Facebook. She clicked it and it then downloaded a key logger onto her phone which would send anything that was on her phone to me directly. I override it and replied as her saying: “Haha, yeah … me and him just started talking.” Everything that was being sent right now would delete as soon as I exited the software. I then texted him saying, “Claire is one beautiful woman, kind of reminds me of Liz…” He then said, “You know you’re a real dick you know ….” I said, “Haha the one who beat the shit out of their girlfriend in highschool right … I’m the dick.” I then said, “Hey how’s life going for you ... washing people’s cars ….” He replied with “Fuck you man … go do something with your time.” I ended the conversation with “Ok bud, I’ll let you know how she is in bed…” Now, this was just the first thing I would do to fuck with Connor’s life. A couple google searches for his name and I now had his address … He was still living with his parents at the time. I then went ahead and waited for him to get done work to order a couple of pizzas to his house and make him pay for them. A couple I mean by ordering 20 pizzas all with extra toppings. That was definitely a pricy delivery. A total of $300 if you want to round up. I called in and said I would pay in cash and my name was Connor; I gave the lady on the phone his address and it was as easy as that. You might be asking why I care so much to fuck with someone’s life … It’s easy, I get joy out of it. You see these were the baby steps to ruin someone’s life.
My next attempt would be going to a personal level. Connor had a laptop at home and I went ahead and hacked it. It was easy knowing how stupid he was. He would fall for anything. So I sent him an email that led him to a link that would automatically download a fake porn movie. He would run the download and I would then have access to everything on his computer. Everything. I had every username and password of every website he used including bank accounts, emails, videogames, documents, social media, and much more. I also could see what he was doing by his webcam which he never turned off. He also had a new girlfriend at the time and her name was Jessica or Jess for short. I planned on ruining their relationship too. One night I logged into one of his bank accounts to see what his balance was … It was $1,243.50. So I went ahead and requested a withdrawal to a website that would transfer it into bitcoin. I requested $500 to see if it would work without causing any attention. The transfer went through and I now had $500 in bitcoin. I went ahead and logged out and disconnected my VPN. I also knew Connors social because he had everything saved on his laptop like his passport, birth certificate, and social security. The next morning I drove over to his house and waiting for him to leave for the morning. I watched him get into his car from a street over and pull out of his driveway. He then sped off to the local bank, I proceeded to follow. I guess he found out $500 had been withdrawn from his account. After he was done in the bank he drove to Dunkin donuts. I then thought of an idea as he was inside. I got out of my car in the same parking lot and went over to his car and took my pocket knife out. I flipped it open and sliced his back tire open. I quickly got back in my car which was parked on the other side of the parking lot and waited for him to come out. He was pissed. I could tell because he just stood there and looked around trying to find the person who had done it. I sat in my car looking at him just snickering to myself. I was getting so much joy from watching him in anger. He took his phone out and called someone. He got back in his car and just sat there. I then saw another car pull in the parking lot about 15 minutes later. It was Jess. She pulled in and parked next to Connor’s car. He got out and sat in the front seat of Jessica’s car. I could care less now to watch so I went out of the back entrance and went back home.
I went onto my computer when I got home to open the software to view Connor’s laptop. I had a feeling that the bank would have told him to look for spyware on his computer when he got home so I made sure to get on before he could. I went ahead and deleted every traceable script that was linking the laptop to the RAT. I had scripted another code to perform as a startup manager which looked like windows software. It wouldn’t be picked up by antivirus so I just copied the RAT onto my new script and loaded onto his laptop remotely. I then went ahead and logged back onto his bank account and it was frozen. I wasn’t surprised. I thought they would have done something like this. I had a backup plan though. I went ahead and logged into his iCloud with his username and password which was conveniently saved from google. I searched for “Wheres my iPhone” and found where Connor was. I saw that he was at some apartment complex not far from me so I left my house and went there. It was dark out at this point and he was inside Jessica’s apartment. I parked my car and got out to search for his car. I took my jacket with me and wrapped it around my hand. I found his shitty old Honda just sitting there with a popped tire still. I took my knife which had a glass breaker and put it right against his window. It then cracked and I hit that window as hard as I could with my hand wrapped in my jacket. It broke and glass was everywhere. His car alarm was going off at this point so I had to do what I did next very fast. I looked inside his glove compartment and found his registration and insurance papers. I stuffed them in my pockets and looked through the center console. I found his wallet and a couple of condoms. I took his wallet and got the hell out of there. I sped out of the apartment complex and went back home fast, hoping no cops would see me.
I got back inside my house and looked inside Connor’s wallet. It had about $40 in cash and a little baggie of weed. There were credit cards in there as well. I had a perfect idea. I went onto a proxy and searched for the same bitcoin website I had recently been on. I went ahead and bought approximately $4,500 worth in bitcoin from every single credit card Connor had. I knew that this would destroy his credit score. I knew he wouldn’t be able to get an apartment with bad credit but, he was still living with his mom anyways. I now had extra resources to destroy Connor’s life. I knew that Connor wouldn’t be able to fix that broken window and most definitely wouldn’t be able to drive to work now because all of his papers to legally drive were now in my possession including his driver’s license. He had no money. I needed to move on with my next step to remove Jess from the equation.
I need to find a flaw in their relationship or something to exploit. I went ahead and completed my research on Jessica. Before I go on, I need to mention that Connor had now pulled the police into this. The bank and the police were now going to try and find out who had been messing with him. They won’t be able to find a link between the two. I know this for sure. Although knowing the police are involved it just made this game more fun. I like the attention that I am causing. Let me get back to what I had found on Jessica. What do you know? She was fucking with another dude. How do I know this you might ask? Well, I went ahead and looked around her Facebook and Instagram followers looking at mostly male followers. I ran a program that looked through her direct messages and found an account of another guy in the area. It looks like they went to the same high school. I looked through the messages and they were all flirts back and forth and she finally told him to message her on Snapchat. I, unfortunately, do not have access at this moment to look into her Snapchat messages but this is enough for now. I went ahead and took some screenshots of the messages and spoofed a text message to her saying “Looks like you got a little problem here don’t you?” Attaching the screenshots. She replied saying, “Who are you??? What do you want??” I simply replied back with “Oh nothing much, just pick who you want to keep … Connor is a dick anyway.” She replied, “You have no business in this … how did you even get into my messages?” I then said, “Don’t worry about it Jess, just tell Connor you guys aren’t working out anymore… and you won’t hear from me again.” A simple blackmail is all it took.
Guess he wasn’t really worth it. Never knew how to treat a woman right anyways. Now that Jess was out of the equation I could go ahead and proceed with ruining his life. I went ahead and called into his work. A lady picked up “Hello, [Name of car dealership] this is Lisa speaking, How may I help you?” I went ahead and said, “Ah yes, I recently had my car worked on here and I would like to make a complaint against one of your workers…” She replied with “Ok sir, and do you know the name of the employee?” I said, “Yes I do, Connor [last name]. I saw a scratch on the back of my car which looked like a key or something pulled the paint off. I saw this as soon as I got home from getting my car maintained on.” She said, “Ok sir, I will go ahead and mark down your complaint and we will handle it accordingly… if you would like you could come back so we can get more info from you and we could have someone take a look at the damage?’ I said, “No that won’t be necessary after what you guys have already done, thanks.” I then hung up the phone. I know that this will most definitely get him fired.
I called him a couple of days after this with a masked voice from software that changed my voice. He picked up and I said, “How’s life been? … Shitty let me guess.” He replied with “Can I ask who the fuck is calling? And why do you care how my life’s been?” I said “Maybe this would help … you missing that $4,500? … Lifes a bitch isn’t it.” He said, “You’re going to be arrested for stealing that money .. the police are looking into it.” I said “Oh, Connor I already know that … I’m three steps ahead of them already. I mean I guess Jess doesn’t want to date poor guys huh?” He said, “How the hell do you even know me … what do you want from me?” I said, “Connor go outside there’s a package for you and maybe a couple of your answers will be in there.” I hung up. Before calling him I made sure that a package with nothing except a USB was in there. It was meant to be plugged in and it would be erased within 1 hour of opening the contents … the contents were a txt file with the title of README.txt. It wasn’t a virus or anything it was just a document meant to be read. Once opened it would have a paragraph saying:
Hello Connor, the man that you were just speaking with knows everything about you and will not hurt you. You are playing the game of life. Its simple. You are a pawn in my game. I pick and choose what you do and how you do it. You may not see it but, everything that has been going on in your life the last couple of months has been of my choosing. I’ve been in the process of taking little bits of your life away. One by one. You see it all started back in high school when I took your little girlfriend away. I made her think you cheated on her. Easy. My next step would be to take away all of your money. Poof just like magic. All gone. Your credit is down the drain. The second step was to take away your transportation. No way to drive without any money. The broken window doesn’t help either. Or maybe no driver’s license. I then took your love life away. Jessica is no longer in your life. Well, maybe you might just go back to work to make more money …. Wrong you see. You no longer have a job. Don’t bother going in tomorrow because there was a report of you “damaging” a customer’s car. You may be reading this pretty upset because you have no way of fighting back. Well, that’s where I come in. I will give you a chance. In order to stop playing my game, I will send you an address and all you have to do is show up. Sounds easy? I hope so, for your own sake.
P.S: If you bring the police … the game ends differently. Not in your favor.
I was almost finished with Connor. I needed to do one more thing before I send him the address. I was never going to let him have an easy way out, no. I planned to make him go to a park that was at least an hour out of the direction. This would be a diversion away from his house so I could carry out my plan. I had recently bought with “Connors” money from the $4,500 that I converted into bitcoin approximately 4 kilos of crack cocaine. It would ship domestically so it wouldn’t be searched by customs. I then planned on having it shipped to a nearby drop zone which was an abandoned factory outside of town. I then would take this and put it into a backpack without putting my fingerprints on it. I then also had a USB that would boot up into the dark web which had all of Connors’s personal info like it was his. I also made the password his most commonly used password for the USB. This would link directly back to Connors’s local IP address which I had set onto the USB. I also remotely bought the drugs with Connors’s laptop. My plan here would be to send in an anonymous tip from a payphone to the local police station that there was a large package of crack cocaine shipped to Connors’s address. I also planted the baggie of weed which had Connors fingerprints on them in the back porch of his house. This would give the police probable cause to search the house for drugs. I would assume that they would have already brought a warrant but, just in case I had done that for precautionary reasons. This all would happen tonight. This is when I would successfully ruin Connor’s life. I would send him to prison for years. He would be sentenced with multiple felonies of drug possession and intent to sell. The large quantity that he would be possessing would give him no parol either.
I had the vendor on the dark web pack baggies of grams pre-bagged and one large quantity as well. This would give him the charge of intent to sell as well. The investigation would come down to that he purchased them from his laptop with his credit cards. Nothing would be traced back to me. I made sure of this because I had corrupted all of my hard drives back at home by microwaving them. There was no personal connection to Connor with me. So, I would not be looked into. I was just a kid from his high school with a thousand other students. I had no connection to anyone in his family either. I went ahead and sent him the name of the park through a random phone number I generated and said, “Connor you have 90 minutes to be here, or the game continues.” I was outside his house a street over waiting for him to leave. I saw him leave which was around 12:30 am and everyone was asleep in his house. I set a timer on my phone for an hour which was my time to plant everything and get out before Connor was home. I then went to his back porch and planted the baggie of weed at his bedroom window. He was stupid enough to leave his window open and I opened it and went inside his room. I had gloves on at this point before I left my car. I dropped the backpack inside his closet and plugged in the USB that I had prepared into his laptop which was sitting on his desk. I then left through his window locking it before stepping out. I made sure the weed was sitting nicely on the outside of his window. I then walked back to my car. I checked the timer on my phone and it was at 35 minutes. I knew he would be at the park before the timer was up. I went to a closed parking lot that I scoped out before planting the evidence which had a payphone. I called in and said, “392 [Street] there is a large number of drugs which is owned by Connor [last name]. I am sending this tip in and would like to keep it anonymous for my safety.” I hung up and left the parking lot immediately. On my way back home I got a text from Connor replying with “I’m here … what do you want me to do to end this stupid game?” I replied with “It easy … take your phone and throw it into the lake … You will receive your money back after this last task is done.” He said, “How do I know you’re going to follow through on your end?” I said, “If you don’t do it, you don’t get your money …you are a player of my game remember, you follow my rules and you can win.” I then sent another message saying, “Tomorrow check the balance of your bank, and all the money will be back where it rightfully belongs. Goodbye now.” This would be the last step in covering up everything I had messaged him. He is just playing every card I told him without even knowing. I then called the phone 5 minutes later to see if it connected me through. I called and it said, “The phone number you’ve dialed is no longer in service … please call back later.” My plan was now complete and Connor will be arrested within the hour. I got home and went to sleep without a problem. I woke up the next morning and turned the news on. The headline was “Breaking News: Man in local [county] was arrested last night for drug trafficking.” This was music to my ears hearing the lady speak about the details of the arrest and hearing her say Connor’s name. She said it like he was some criminal and boy did I love that. I looked up the details of the arrest on google and clicked on the first link. [Connor ****** arrested last night for drug traffiking] I saw his mug shot and it said under it that he could be sentenced up to 25 years and up to $20,000 in fines for intent to sell crack cocaine. This was the end of Connor’s free life. He was now a convicted felon and would never have his original life back. My game was now completed and he was the pawn to complete it.
Chapter 2

submitted by idonthavemuchtime12 to mrcreeps [link] [comments]

I ruin people's lives for fun, this is my story.

Let me start by introducing myself, my name is Alex. I am 20 years old and clinically diagnosed with ASPD or Antisocial personality disorder. My diagnosis was given to me back in high school in my Junior year. It was pretty hard making friends or at least keeping them. You see when I try to make friends I usually only go into a relationship because of one thing; to get something in return. You could call it manipulating or deceiving people but, I don’t see it that way. I’ve had many therapists and physiatrists try to help me or figure out what’s wrong with me in the past but, I would just feed them the information they want to hear. Its pretty simple, give them all the shit they need to write down on their little piece of paper and it is music to their ears. Besides that, let us get to the story. Now you see the two key people back in high school were “Mike” and “Connor” and they were it. They had the girls, the popularity, the friends. They both were the biggest athletes in the entire school. This is important because I wanted that, but I couldn’t have it. Call it jealousy or whatever but, who wouldn’t want people to look up at you and have their names written in the daily paper.
High school was a bitch for me. I never had many friends or any real ones at least. I was known as the weird kid but, whatever right. Everyone says high school is tough for everyone. I believe it. Life gets back at people who deserve it though. Now Mike was the quarterback of the football team and he knew everyone and everyone knew him. I one day sent him a message on Snapchat and said: “Hey Mike, I know you don’t know me but, I think you’re a cool guy.” He then replied with “Who are you? Whatcha want dickhead?” I told him “Nothing much man, just thought we could be friends or something, we’re in the same Spanish class.” He said, “Oh, cool your that kid that sits in the back right?” I said, “Yeah, what are you doing?” He then said, “Nothing much man, listen I got a party next weekend with a free crib if you tryna come.” I then told him I’d let him know. This was perfect because I knew exactly what I would do. I planned on seeing Connor there with his girlfriend Liz. That was important because I hated seeing the way Connor would treat her. He just used her for sex and shit and never really respected her. I knew how I would fix that though, and it would be at that party.
Well, I got to the party and there were at least 50 kids there. I saw a couple of familiar faces but couldn’t care at all. I was there for one thing and one thing only. To ruin their relationship. Call me a dick but, he was way worse than me. I once saw Liz come into school with a bruise on her face and knew it was from him. I finally saw them out back near the pool. I had a plan. I would text Connor’s phone from a different number making it look like it was some other chick texting him and Liz would be right there to see it. I went outside and he was drinking, probably already drunk. I could see them from across the pool and haven’t seen Mike yet. I was about to text him and then Mike came up and tapped me on my shoulder with two drinks in his hand. He said “Yooo, Alex you came!” I laughed awkwardly and said, “Yeah man, wouldn’t miss it.” He said, “You want a drink?” Gesturing the second cup to me. I took it and said “Thanks, man.” He said, “I’ll see you around, there’s more beer in the kitchen.” He walked away and now I pulled my phone out. I went on to the app which I would text him from and texted: “Hey Connor, I had a really good night last night with a winkie emoji.” I then sent it waiting for Liz to look over his shoulder. She did and read the message. They started to argue and Liz poured his beer all over his face. My plan was working just right. I then saw Liz walk inside in a rush. I pretended to bump into her and said: “Oh my fault didn’t see you there.” She laughed and said, “Oh my god, it’s you, Alex.” I then laughed as well and said, “You good?” She replied with, “No actually, I just found out Connor was cheating on me with some slut.” I said “Oh, that blows … you want a ride home?” She said, “No I’m good, I’ll just have Grace drive me home.” I preceded with, “You sure, I live super close to here anyways, I was just about to go home too.” She said, “Ok, sure that’s fine.” I then got in my car and we started to talk. I said, “So, how’d you find out?” She said, “Some bitch texted him saying that they slept together last night.” I then said, “Damn, what’s your address by the way?” She then said something that surprised me. “I can’t go home like this, my moms gonna know I’m drunk and I’ll never be able to go out again.” I said, “Well, what you wanna do then?” She said, “Um, I don’t know .. we should go to a park.” I said, “Oh ok, what park?” She gave me the name and we went there. I parked my car in the parking lot and said: “Whatcha tryna do now?” She then said, “Shut up stupid.” Hushing my lips for me. We made out that night and I dropped her back off and went home as well.
That week in school I got a snap from Connor. It was during lunch and I clicked on it. I saw the five words that couldn’t make me happier: “I know what you did.” I replied with, “What? What did I do now?” He said, “you hooked up with Liz.” I left him on open and went about my day. I then saw him in the parking lot after school near my car. He came up to me and screamed in my face: “SO YOU THINK YOU CAN JUST STEAL MY GIRL WITHOUT ME DOING ANYTHING?” I laughed right in his face and said, “Well, she isn’t with you anymore now, is she?” He then yelled: “Well, you think you’re just going to go about your day or something?” I said laughing, “Yeah, I was planning on going to Liz’s house after school.” He then jumped on top of me pinning me to the ground, socking me right in the jaw multiple times. I tried throwing some back but, he had my hands pinned to my side. He got up and said, “Fuck with her again and you won’t be getting up.” I got up with my nose bleeding and got into my car and went home.
That was 2 years ago and boy have I got my revenge. Let me start by saying I have no regrets about what I did. Everything I had done was for my satisfaction. You see I don’t care who’s life I ruin … as long as I get something out of it. Connor graduated high school with not much going for him. He had a job at a car dealership as a mechanic or something like that and never went to college. I never went to college so I won’t judge but, I had other plans after high school. I wanted to ruin Connor’s life, and I never stopped until I completed that process. It started with pretty small things like when I tried ruining his relationship back in high school. He was always a dick and who better to fuck with then a worthless piece of shit like Connor. I messaged him a couple of months ago saying: “Hey old friend … remember me?” He replied with “Yeah, the kid I beat the shit out of … I remember you.” I knew he would say something like this so, I sent him a picture of myself and his sister I photoshopped to look as if we were together. He replied with, “What the hell are you doing with my sister … she doesn’t date weird fucks like you.” I replied with, “Oh well looks like her type changed?” I was just sitting on my computer laughing my ass off from how gullible this kid was. He then messaged his sister Claire, which I thought he would do. “Are you dating a kid named Alex?” I had hacked into her phone which was pretty easy because I sent her a phishing email that looked like a women’s clothing company that I knew she had an interest in because of her Facebook. She clicked it and it then downloaded a key logger onto her phone which would send anything that was on her phone to me directly. I override it and replied as her saying: “Haha, yeah … me and him just started talking.” Everything that was being sent right now would delete as soon as I exited the software. I then texted him saying, “Claire is one beautiful woman, kind of reminds me of Liz…” He then said, “You know you’re a real dick you know ….” I said, “Haha the one who beat the shit out of their girlfriend in highschool right … I’m the dick.” I then said, “Hey how’s life going for you ... washing people’s cars ….” He replied with “Fuck you man … go do something with your time.” I ended the conversation with “Ok bud, I’ll let you know how she is in bed…” Now, this was just the first thing I would do to fuck with Connor’s life. A couple google searches for his name and I now had his address … He was still living with his parents at the time. I then went ahead and waited for him to get done work to order a couple of pizzas to his house and make him pay for them. A couple I mean by ordering 20 pizzas all with extra toppings. That was definitely a pricy delivery. A total of $300 if you want to round up. I called in and said I would pay in cash and my name was Connor; I gave the lady on the phone his address and it was as easy as that. You might be asking why I care so much to fuck with someone’s life … It’s easy, I get joy out of it. You see these were the baby steps to ruin someone’s life.
My next attempt would be going to a personal level. Connor had a laptop at home and I went ahead and hacked it. It was easy knowing how stupid he was. He would fall for anything. So I sent him an email that led him to a link that would automatically download a fake porn movie. He would run the download and I would then have access to everything on his computer. Everything. I had every username and password of every website he used including bank accounts, emails, videogames, documents, social media, and much more. I also could see what he was doing by his webcam which he never turned off. He also had a new girlfriend at the time and her name was Jessica or Jess for short. I planned on ruining their relationship too. One night I logged into one of his bank accounts to see what his balance was … It was $1,243.50. So I went ahead and requested a withdrawal to a website that would transfer it into bitcoin. I requested $500 to see if it would work without causing any attention. The transfer went through and I now had $500 in bitcoin. I went ahead and logged out and disconnected my VPN. I also knew Connors social because he had everything saved on his laptop like his passport, birth certificate, and social security. The next morning I drove over to his house and waiting for him to leave for the morning. I watched him get into his car from a street over and pull out of his driveway. He then sped off to the local bank, I proceeded to follow. I guess he found out $500 had been withdrawn from his account. After he was done in the bank he drove to Dunkin donuts. I then thought of an idea as he was inside. I got out of my car in the same parking lot and went over to his car and took my pocket knife out. I flipped it open and sliced his back tire open. I quickly got back in my car which was parked on the other side of the parking lot and waited for him to come out. He was pissed. I could tell because he just stood there and looked around trying to find the person who had done it. I sat in my car looking at him just snickering to myself. I was getting so much joy from watching him in anger. He took his phone out and called someone. He got back in his car and just sat there. I then saw another car pull in the parking lot about 15 minutes later. It was Jess. She pulled in and parked next to Connor’s car. He got out and sat in the front seat of Jessica’s car. I could care less now to watch so I went out of the back entrance and went back home.
I went onto my computer when I got home to open the software to view Connor’s laptop. I had a feeling that the bank would have told him to look for spyware on his computer when he got home so I made sure to get on before he could. I went ahead and deleted every traceable script that was linking the laptop to the RAT. I had scripted another code to perform as a startup manager which looked like windows software. It wouldn’t be picked up by antivirus so I just copied the RAT onto my new script and loaded onto his laptop remotely. I then went ahead and logged back onto his bank account and it was frozen. I wasn’t surprised. I thought they would have done something like this. I had a backup plan though. I went ahead and logged into his iCloud with his username and password which was conveniently saved from google. I searched for “Wheres my iPhone” and found where Connor was. I saw that he was at some apartment complex not far from me so I left my house and went there. It was dark out at this point and he was inside Jessica’s apartment. I parked my car and got out to search for his car. I took my jacket with me and wrapped it around my hand. I found his shitty old Honda just sitting there with a popped tire still. I took my knife which had a glass breaker and put it right against his window. It then cracked and I hit that window as hard as I could with my hand wrapped in my jacket. It broke and glass was everywhere. His car alarm was going off at this point so I had to do what I did next very fast. I looked inside his glove compartment and found his registration and insurance papers. I stuffed them in my pockets and looked through the center console. I found his wallet and a couple of condoms. I took his wallet and got the hell out of there. I sped out of the apartment complex and went back home fast, hoping no cops would see me.
I got back inside my house and looked inside Connor’s wallet. It had about $40 in cash and a little baggie of weed. There were credit cards in there as well. I had a perfect idea. I went onto a proxy and searched for the same bitcoin website I had recently been on. I went ahead and bought approximately $4,500 worth in bitcoin from every single credit card Connor had. I knew that this would destroy his credit score. I knew he wouldn’t be able to get an apartment with bad credit but, he was still living with his mom anyways. I now had extra resources to destroy Connor’s life. I knew that Connor wouldn’t be able to fix that broken window and most definitely wouldn’t be able to drive to work now because all of his papers to legally drive were now in my possession including his driver’s license. He had no money. I needed to move on with my next step to remove Jess from the equation.
I need to find a flaw in their relationship or something to exploit. I went ahead and completed my research on Jessica. Before I go on, I need to mention that Connor had now pulled the police into this. The bank and the police were now going to try and find out who had been messing with him. They won’t be able to find a link between the two. I know this for sure. Although knowing the police are involved it just made this game more fun. I like the attention that I am causing. Let me get back to what I had found on Jessica. What do you know? She was fucking with another dude. How do I know this you might ask? Well, I went ahead and looked around her Facebook and Instagram followers looking at mostly male followers. I ran a program that looked through her direct messages and found an account of another guy in the area. It looks like they went to the same high school. I looked through the messages and they were all flirts back and forth and she finally told him to message her on Snapchat. I, unfortunately, do not have access at this moment to look into her Snapchat messages but this is enough for now. I went ahead and took some screenshots of the messages and spoofed a text message to her saying “Looks like you got a little problem here don’t you?” Attaching the screenshots. She replied saying, “Who are you??? What do you want??” I simply replied back with “Oh nothing much, just pick who you want to keep … Connor is a dick anyway.” She replied, “You have no business in this … how did you even get into my messages?” I then said, “Don’t worry about it Jess, just tell Connor you guys aren’t working out anymore… and you won’t hear from me again.” A simple blackmail is all it took.
Guess he wasn’t really worth it. Never knew how to treat a woman right anyways. Now that Jess was out of the equation I could go ahead and proceed with ruining his life. I went ahead and called into his work. A lady picked up “Hello, [Name of car dealership] this is Lisa speaking, How may I help you?” I went ahead and said, “Ah yes, I recently had my car worked on here and I would like to make a complaint against one of your workers…” She replied with “Ok sir, and do you know the name of the employee?” I said, “Yes I do, Connor [last name]. I saw a scratch on the back of my car which looked like a key or something pulled the paint off. I saw this as soon as I got home from getting my car maintained on.” She said, “Ok sir, I will go ahead and mark down your complaint and we will handle it accordingly… if you would like you could come back so we can get more info from you and we could have someone take a look at the damage?’ I said, “No that won’t be necessary after what you guys have already done, thanks.” I then hung up the phone. I know that this will most definitely get him fired.
I called him a couple of days after this with a masked voice from software that changed my voice. He picked up and I said, “How’s life been? … Shitty let me guess.” He replied with “Can I ask who the fuck is calling? And why do you care how my life’s been?” I said “Maybe this would help … you missing that $4,500? … Lifes a bitch isn’t it.” He said, “You’re going to be arrested for stealing that money .. the police are looking into it.” I said “Oh, Connor I already know that … I’m three steps ahead of them already. I mean I guess Jess doesn’t want to date poor guys huh?” He said, “How the hell do you even know me … what do you want from me?” I said, “Connor go outside there’s a package for you and maybe a couple of your answers will be in there.” I hung up. Before calling him I made sure that a package with nothing except a USB was in there. It was meant to be plugged in and it would be erased within 1 hour of opening the contents … the contents were a txt file with the title of README.txt. It wasn’t a virus or anything it was just a document meant to be read. Once opened it would have a paragraph saying:
Hello Connor, the man that you were just speaking with knows everything about you and will not hurt you. You are playing the game of life. Its simple. You are a pawn in my game. I pick and choose what you do and how you do it. You may not see it but, everything that has been going on in your life the last couple of months has been of my choosing. I’ve been in the process of taking little bits of your life away. One by one. You see it all started back in high school when I took your little girlfriend away. I made her think you cheated on her. Easy. My next step would be to take away all of your money. Poof just like magic. All gone. Your credit is down the drain. The second step was to take away your transportation. No way to drive without any money. The broken window doesn’t help either. Or maybe no driver’s license. I then took your love life away. Jessica is no longer in your life. Well, maybe you might just go back to work to make more money …. Wrong you see. You no longer have a job. Don’t bother going in tomorrow because there was a report of you “damaging” a customer’s car. You may be reading this pretty upset because you have no way of fighting back. Well, that’s where I come in. I will give you a chance. In order to stop playing my game, I will send you an address and all you have to do is show up. Sounds easy? I hope so, for your own sake.
P.S: If you bring the police … the game ends differently. Not in your favor.
I was almost finished with Connor. I needed to do one more thing before I send him the address. I was never going to let him have an easy way out, no. I planned to make him go to a park that was at least an hour out of the direction. This would be a diversion away from his house so I could carry out my plan. I had recently bought with “Connors” money from the $4,500 that I converted into bitcoin approximately 4 kilos of crack cocaine. It would ship domestically so it wouldn’t be searched by customs. I then planned on having it shipped to a nearby drop zone which was an abandoned factory outside of town. I then would take this and put it into a backpack without putting my fingerprints on it. I then also had a USB that would boot up into the dark web which had all of Connors’s personal info like it was his. I also made the password his most commonly used password for the USB. This would link directly back to Connors’s local IP address which I had set onto the USB. I also remotely bought the drugs with Connors’s laptop. My plan here would be to send in an anonymous tip from a payphone to the local police station that there was a large package of crack cocaine shipped to Connors’s address. I also planted the baggie of weed which had Connors fingerprints on them in the back porch of his house. This would give the police probable cause to search the house for drugs. I would assume that they would have already brought a warrant but, just in case I had done that for precautionary reasons. This all would happen tonight. This is when I would successfully ruin Connor’s life. I would send him to prison for years. He would be sentenced with multiple felonies of drug possession and intent to sell. The large quantity that he would be possessing would give him no parol either.
I had the vendor on the dark web pack baggies of grams pre-bagged and one large quantity as well. This would give him the charge of intent to sell as well. The investigation would come down to that he purchased them from his laptop with his credit cards. Nothing would be traced back to me. I made sure of this because I had corrupted all of my hard drives back at home by microwaving them. There was no personal connection to Connor with me. So, I would not be looked into. I was just a kid from his high school with a thousand other students. I had no connection to anyone in his family either. I went ahead and sent him the name of the park through a random phone number I generated and said, “Connor you have 90 minutes to be here, or the game continues.” I was outside his house a street over waiting for him to leave. I saw him leave which was around 12:30 am and everyone was asleep in his house. I set a timer on my phone for an hour which was my time to plant everything and get out before Connor was home. I then went to his back porch and planted the baggie of weed at his bedroom window. He was stupid enough to leave his window open and I opened it and went inside his room. I had gloves on at this point before I left my car. I dropped the backpack inside his closet and plugged in the USB that I had prepared into his laptop which was sitting on his desk. I then left through his window locking it before stepping out. I made sure the weed was sitting nicely on the outside of his window. I then walked back to my car. I checked the timer on my phone and it was at 35 minutes. I knew he would be at the park before the timer was up. I went to a closed parking lot that I scoped out before planting the evidence which had a payphone. I called in and said, “392 [Street] there is a large number of drugs which is owned by Connor [last name]. I am sending this tip in and would like to keep it anonymous for my safety.” I hung up and left the parking lot immediately. On my way back home I got a text from Connor replying with “I’m here … what do you want me to do to end this stupid game?” I replied with “It easy … take your phone and throw it into the lake … You will receive your money back after this last task is done.” He said, “How do I know you’re going to follow through on your end?” I said, “If you don’t do it, you don’t get your money …you are a player of my game remember, you follow my rules and you can win.” I then sent another message saying, “Tomorrow check the balance of your bank, and all the money will be back where it rightfully belongs. Goodbye now.” This would be the last step in covering up everything I had messaged him. He is just playing every card I told him without even knowing. I then called the phone 5 minutes later to see if it connected me through. I called and it said, “The phone number you’ve dialed is no longer in service … please call back later.” My plan was now complete and Connor will be arrested within the hour. I got home and went to sleep without a problem. I woke up the next morning and turned the news on. The headline was “Breaking News: Man in local [county] was arrested last night for drug trafficking.” This was music to my ears hearing the lady speak about the details of the arrest and hearing her say Connor’s name. She said it like he was some criminal and boy did I love that. I looked up the details of the arrest on google and clicked on the first link. [Connor ****** arrested last night for drug traffiking] I saw his mug shot and it said under it that he could be sentenced up to 25 years and up to $20,000 in fines for intent to sell crack cocaine. This was the end of Connor’s free life. He was now a convicted felon and would never have his original life back. My game was now completed and he was the pawn to complete it.
Chapter 2
submitted by idonthavemuchtime12 to creepypasta [link] [comments]

MaChance Casino €10 FREE No Deposit Bonus on Registration!

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submitted by freespinsbet to u/freespinsbet [link] [comments]

SKRILL(15€/10£) - VERSE €\£5 - CURVE(5£) - WORLDREMIT(25 euros, 30CAD, 35 AUD e.t.c.) - XENDPAY (10$/€\£, or equivalent in sending currency - unlimited) - TRANSFERGO(10£/12€) - TRANSFEWISE(5€) - CURRENCY FAIR(30€) - XAPO($10 IN BTC) - Celsius Network (UP TO $ 220 in BTC) - LUNO(25) - BITPANDA(10)

BE CAREFUL PLEASE - I WILL PERSONALLY PROVIDE YOU WITH MY UNIQUE LINKS AND PROMO CODES TO INSURE (PROTECT) OUR REWARDS.
BANKS - BANKING SERVICES AND CRYPTOCURRENCIES – FREE MONEY - FREE CRYPTO -SKRILL(15€/10£) - VERSE €\£5 - CURVE(5£) - WORLDREMIT(25 euros, 30CAD, 35 AUD e.t.c.) - XENDPAY (10$/€\£, or equivalent in sending currency - unlimited) - TRANSFERGO(10£/12€) - TRANSFEWISE(5€) - CURRENCY FAIR(30€) - XAPO($10 IN BTC) - Celsius Network (UP TO $ 220 in BTC) - CRYPTO.COM ($50 in MCO) - IBANWALLET($25/25€)
Bitpanda (10)
Bitpanda (One of the mots known Crypto Currency Services)
  1. PM Me for Referral Link (in order to protect both our rewards)
  2. Verify your identity
  3. Deposit at least €25 on your account via bank transfer
  4. Buy €25 in cryptocurrency (for example Bitcoin (BTC), Ethereum (ETH) or (USDC) for a more stable crypto)
  5. The €10 bonus will be added to your account
  6. Complete the beginner quiz on https://www.bitpanda.com/academy/en/ to get €5 in BEST coins
  7. Sell all the cryptocurrency
  8. Transfer the money back to your bank :)
Luno(25)
Luno is a service to buy and sell cryptocurrencies. For new users: when buying €250 in BTC you get €15 free in BTC!
Steps:
Sign up through my link (send me a private message for my link and my code)
Verify your ID (it should take a around 30mins-1hour)
Fill in my code on the 'Rewards' page. If you get "This type of promotion code can only be applied once per person" then the code was already accepted during sign-up :)
Buy €250 in Bitcoin. You can deposit through Visa, which is instant and has no fee (no MasterCard, since the fees eat up your bonus), bank transfer (using Revolut it should only take a couple of hours) or iDeal.
After buying 250€ in Bitcoins the €15 in BTC will be credited to your account within a few minutes.
Sell the Bitcoins and transfer the full amount back to your bank account. It is possible that you end up with a bit less than €265 because of fees, but this shouldn't be more than a few euros. In my case I ended up with €262.27 due to fees and BTC fluctuation.
PM me for your bonus and enjoy!
Iban Wallet ($25/25€) + 10 from me
Step 1 : SEND ME A PERSONAL MESSAGE OR BID ME AS A COMMENT TO SEND YOU MY UNIQUE LINK
Step 2 : Complete the sign up form and verify your ID. You only need a photo of it, no annoying calls to make. When it asks for a referral code, you should use mine.
Deposit €1,000/$1,000 or more. You can use a credit card or bank transfer.
Step 3 : You will immediately receive the bonus €25/$25. All €1,025/$1,025 can be immediately withdrawn.
Full terms and conditions : https://www.ibanwallet.com/terms
Xapo ($10 in BTC) +5 from me
Xapo is a nice platform for investing in cryptocurrency. They have also offer a good referral bonus of $10 paid in BTC just for depositing $100 (±£80, ±108 ) to your Xapo account.
Here's how to get it:
  1. SEND ME A PERSONAL MESSAGE OR BID ME AS A COMMENT TO SEND YOU MY UNIQUE LINK AND OPEN MY LINK ON YOUR PHONE (must be done on your phone so it tracks properly) and download the app.
  2. Finish your registration by providing your phone number, e-mail address and verify your identity. You will need a picture of your Passport/ID/Driver's license and a picture/PDF of any bill with your address.
  3. Deposit €100 by a regular SEPA transfer. It's free to do it. You can also use your card for an instant deposit but it will charge you extra 2% for it.
  4. Your bonus of $10 in BTC will be credited immediately after your transfer reaches your Xapo account. There is no need to invest your money or do anything else with it.
You can exchange your BTC to EUR and transfer it back to your bank account.
T&C : https://static.xapo.com/terms/index.html
Celsius Network (UP TO $60 in BTC) + 5 from me
Celsius Network is a cryptocurrency investment app where you can get 8-12% yearly return on your coins. You don't need to do anything with them - just keep them in your Celsius' wallet.
They have a great referral program, which gives you $10 for signing up with my link, depositing and keeping $200 worth of coins for 30 days. You will also get some percentage of interest paid from Celsius for your investment.
They also have a lot of promotional codes which you can use to get up to $60 worth of bonuses paid in BTC.
Here are all the steps for you to get your FREE $60:
  1. SEND ME A PERSONAL MESSAGE OR BID ME AS A COMMENT TO SEND YOU MY UNIQUE LINK and use it when signing up on the app.
  2. Verify your identity with a picture of your Passport/ID/Driver's license. It usually takes no more than 30 minutes.
3. In Celsius app go to 'Enter a promo code' and enter these codes (depending on the amount you're willing to deposit):
· SPRING - $10 bonus paid in BTC when you deposit $100 and hold it for 30 days
· POV- $10 bonus paid in BTC when you deposit $200 and hold it for 3 days
· PAKMAN - $10 bonus paid in BTC when you deposit $100 and hold it for 30 days
· SAGA - $10 bonus paid in BTC when you deposit $100 and hold it for 30 days
· MINEABLE - $10 bonus paid in BTC when you deposit $100 and hold it for 30 days
4-Deposit crypto coins to your Celsius wallet. Make sure you entered the codes BEFORE your deposit. If you're not willing to risk with holding usual crypto coins (BTC/ETH/XRP/LTC etc.), which can gain or lose value, you can simply deposit one of the stablecoins (USDΤ/GUSD/TUSD/TGBP etc.), which will keep it's value. Buy your stablecoins on another cryptocurrency exchange platform. You can buy your USDΤ on CRYPTO.COM. (Referral code for crypto.com – SEND ME A MESSAGE) Make sure you deposit your coins in one transaction (equivalent to $100 or $200).
5-Hold your coins for these required days. Afterwards just transfer your coins, together with your bonuses back to wherever you want it and cash them out.
T&C: https://celsius.network/terms-of-use/
CRYPTO.COM ($50 in MCO) + 20 from me
Crypto.com is a well-known cryptocurrency exchange, and is paying 50$ to stake your crypto on their platform for 6 month. Im paying you 25$ of my reward to make the deal even better! So to get the bonus you have to buy and stake 50 MCO on crypto.com you will lock the 50 MCO for 6 months, but the reward will be withdrawable as soon as you stake the 50 MCO - so you can withdraw your bonus instantly.
Guide:
1. Sign up via my link - SEND ME A PERSONAL MESSAGE OR BID ME AS A COMMENT TO SEND YOU MY UNIQUE LINK
2. Verify your account via KYC - just follow the instructions ID will be necessary!
3. Go to “Card” in the app and make the buy and staking of MCO, you will now have unlocked your reward, make the last few steps to order the ruby steel card - this will get you, free spotify, 2% cashbacks and a lot more!
4. Sell and withdraw you reward or let the reward stay in your wallet as an investment - that’s totally up to you!
5. Write me a message so I can give you the extra 25$ to make this a great deal!
T&C: https://blog.crypto.com/update-crypto-coms-bg50-both-get-50-referral-program/
CurrencyFair (30€) +10 from me
CurrencyFair is a service to send money internationally (just like Skrill, WorldRemit, Xoom etc.). They have now increased the referral bonus to €50 for new users when making a transfer of at least €2000 (or equivalent in another currency, ~ £1765). SEND ME A PERSONAL MESSAGE OR BID ME AS A COMMENT TO SEND YOU MY UNIQUE LINK. It is super easy to be obtained. I have proofs of my rewards! You must send 2000 Euros and after that you are credited 50 Euros in your CurrencyFair Account (3 Euros fee to transfer to your personal bank). The steps for the registration are very easy. Follow my link, chose to send approximate 2030 or 2040 due to the gap that CurrecyFair holds between exchange rates, verify your account (need to attach two proofs of identity and one proof of your address or one proof of your identity and two proofs of your address) and make the transfer through your Revolut or Monese account. For example, send money from Revolut EU account to Revolut GB account. Finally, your net profil will be about 20 euros.
T&C:https://www.currencyfair.com/express-deposits-terms-conditions/
Skrill (£10/€15 e.t.c.) + 5 from me
Skrill is a money transfer service, where you also get £10 referral discount for your first transfer. Skrill doesn't require any ID verification.
Here are the steps to get your FREE £10:
SEND ME A PERSONAL MESSAGE OR BID ME AS A COMMENT TO SEND YOU MY UNIQUE LINK
  1. Choose the country where your other account is and enter £100.
  2. Complete all the details about your EUR account on the next page.
  3. Make sure you have written my code before submitting the transfer so you will only have to pay £90 and will receive £100 to your account.
  4. Finish the transfer by paying with your card. Easy as that.
It never took more than 24 hours for the money to reach my account.
If you're an existing member on Skrill but have never used Skrill Money Transfer you can still enter my code for your first transfer and get the discount. Please note - it might not work for really old Skrill accounts but it's still worth trying.
Here are the different options for countries outside of UK:
EUR countries = minimum transfer of 150€ to get 15€ off transaction
Canada = minimum transfer of 200$ to get 25$ off transaction.
Australia = minimum transfer of 100$ to get 40$ off transaction
South Africa = minimum transfer of 1500 ZAR to get 250 ZAR off transaction
T&C:https://www.skrill.com/en/footeterms-conditions/skrillaccounttermsofuse/
VERSE - €\£1 From Verse (UK or EU)
Verse is a money transfer service that has a generous reward for signing up. Steps are simple.
How to get the reward? From Verse (UK or EU) Verse is a money transfer service that has a generous reward for signing up. Steps are simple. How to get the reward?
[ HOW TO CLAIM MONEY ]
STEP 1 - SEND ME A PERSONAL MESSAGE OR BID ME AS A COMMENT TO SEND YOU MY UNIQUE LINK. DO NOT DOWNLOAD THE APP AND REGISTER AS IT IS FOR NEW USERS ONLY
STEP2 - Register using my link and load £20/€20 by linking your bank
STEP3 - Send the money to a friend or relative, or if you need assistance you can send to me and I’ll send it right back.
STEP4 - After both requirements are completed you can IMMEDIATELY claim your reward and withdrawal the money to your bank account.
If there are any inquiries, feel free to message me.
T&C:https://verse.me/en/terms
CURVE (5£) +1 from me
Curve is a great app where you can add all your debit and credit cards and spend from any of them just by choosing it with a tap of your finger.
Here's how to get your FREE £5:
  1. Download the Curve app on your phone. You can use this link ***SEND ME A PERSONAL MESSAGE OR BID ME AS A COMMENT TO SEND YOU MY UNIQUE LINK***
  2. Make sure to enter my code when signing up to get FREE £5 after your first transaction.
  3. Add one of your debit or credit cards in the app.
  4. Wait for your Curve MasterCard to arrive by post (it's completely free) and make your first payment. I added my Revolut card and topped up my Revolut account with Curve card in order to activate the bonus, so no actual spending needed. You can also add your Curve card to PayPal and verify it. It will count as a transaction and will activate the bonus.
  5. You will be awarded FREE £5, which you can spend anywhere with your Curve card.
T&C:https://www.curve.com/en/terms
WORLDREMIT (Voucher code 25 euros, 30CAD, 35 AUD e.t.c.) + 5 from me
SEND ME A PERSONAL MESSAGE OR BID ME AS A COMMENT TO SEND YOU MY UNIQUE LINK
I send money online with WorldRemit. I think you should too. If you join and send 125.00 EUR we'll each get a 25.00 EUR voucher. Also, use the code 3FREE. The first free transactions are fee-free.
IF YOU YOU ARE NOT RESIDENT OF COUNTRY (ex. Belgium) WHERE YOU SEND MONEY TO AND DO NOT HAVE PHONE NUMBER (Belgium), BUT HAVE BELGIUM ACCOUNT, JUST FILL IN THE FIELDS WITH YOUR REAL INFORMATION. IT IS PASSED.
Warming : What is the minimum send amount to qualify for Refer a Friend? (IN this link you can find Sending from / Minimum send amount / Voucher amount)
T&C:https://www.worldremit.com/en/about-us/recipient-terms-conditions
XENDPAY (10$/€\£, or equivalent in sending currency - unlimited) + 4 from me
It a trusted and really fast money transfer service, which offers **£10 referral reward (**£10/€10/$10 or equivalent in sending currency) (so called first transfer discount) if you haven’t tried their service yet.
Here are the steps to get your **FREE (**£10/€10/$10):
  1. SEND ME A PERSONAL MESSAGE OR BID ME AS A COMMENT TO SEND YOU MY UNIQUE LINK
  2. Verify your identity with a picture of your Passport/ID/Driver’s license and your address with a picture of an utility bill. It took me around 4 hours to get verified, which is not too long. It was even faster for others I know.
  3. Make your first transfer of £100 or more)(minimum sending amount is £100/€100/$100, or equivalent in sending currency) . Click ‘Send Money’ on the Dashboard. On the next page choose that you’re sending money from UK to the country where your EUR account is and write 0 next to ‘Transfer Fee’, so it becomes free. You will see £10 discount applied, which means that you will have to pay £90 for this transfer and will receive equivalent to £100 in Euros.
  4. Enter your own personal details and your EUR account details.
  5. Pay with your card or bank transfer.
Your money should reach your account within 1 business day.
T&C:https://xendpay.com/xendpay-terms-and-conditions/
TRANSFERGO (10£) + 5 from me
Get £10 bonus using my referral code: Enter my code when signing up to get your £10 bonus. Once you’ve transferred over £50 or equivalent, you’ll receive your £10 cashback. I love using TransferGo to send money abroad! Try it for FREE yourself! After the identity verification you will receive a code for fee-free transfer. The procedure takes about 30 minutes to be completed.
We recommend reading our terms in full.
T&C: https://www.transfergo.com/en/terms-and-conditions
TRANSFERWISE (PROVIDE YOU WITH 5IF YOU DO A TRANSFER OVER 250)
TransferWise provides you with a first transfer of up to 500 GBP fee-free. And, as always — you’ll get the real exchange rate whenever you send money abroad. Instant transfer. In my case, I used my Revolut card (physical or virtual) and sent money (250€) from my EU Revolut account to GBP Revolut account. The money transfer was completed after 10 second and exchanged Pounds into Euro without losing anything. SEND ME A PERSONAL MESSAGE OR BID ME A S A COMMENT TO SEND YOU MY UNIQUE LINK.
T&C: https://transferwise.com/terms-and-conditions
submitted by AchilleasOikonomou to clicksforbeermoney [link] [comments]

KYC is absolutely not acceptable for MakerDAO!

I've heard that founder of MakerDAO is not strictly against KYC. I have a message to whole community and specifically to a founder of MakerDAO Rune Christensen. I will explain using concrete examples why having KYC in MakerDAO is a grave mistake and it will lead to MakerDAO fork.
Many people in the first world never actually understand why financial privacy and financial inclusion is important. Even people (in the first world) who seemingly supportive of such ideas are not able to provide any concrete examples of why it's actually important.
Unfortunately, I was born in a "wrong" country (Uzbekistan) and I experienced first hand what financial exclusion actually means. I know first hand that annoying feeling when you read polite, boilerplate rejection letter from financial institution based in first world. So I had to become practical libertarian. I'm going to give you concrete examples of financial discrimination against me. Then I'm going to explain fundamental reasons why it happens. And finally, I'm going to explain my vision for DAI.
Back in 2005, I lived in Uzbekistan. I had an idea to invest in US stocks. I was very naive and I didn't know anything about investing, compliance, bank transfers, KYC etc. All I knew is nice long term charts of US stocks and what P/E means. I didn't contact any US brokerage but I checked information about account opening and how to transfer money there. I approached local bank in Uzbekistan and asked how to transfer money to Bank of New York. Banker's face was like - WOW, WTF?!?! They asked me to go to private room to talk with senior manager. Senior manager of local bank in Uzbekistan asked me why I wanted to transfer money to US. They told me that it's absolutely impossible to transfer money to US/EU and pretty much anywhere. I approached nearly every local bank in the town and they told me the same.
In 2012, I already lived in Moscow and acquired Russian citizenship. I got back to my old idea - investing in US stocks. I called to many US brokerages and all of them politely rejected me. Usually when I called I asked them if I can open an account with them. They told me to hold on line. After long pause, I was able to speak with "senior" support who politely explain me that Russia in their list of restricted countries and they can't open an account for me. Finally, I was able to open an account with OptionsXpress. Next challenge was to convince local Russian bank to transfer money to US. Back then in 2012, I was able to get permission to do so. So you might say - is this happy end?
Fast forwarding US brokerage story to 2017, OptionsXpress was acquired by Charles Schwab. I was notified that my OptionsXpress account will be migrated to Charles Schwab platform. In 2017, I already lived in the Netherlands (but still having Russian citizenship). I wasn't happy with my stupid job in the Netherlands. I called Charles Schwab and asked if I quit my job in the Netherlands and have to return to Russia, what will happen with my account. Schwab told me that they will restrict my account, so I can't do anything except closing my account. So even if I was long term customer of OptionsXpress, Charles Schwab is not fully okay with me.
Going back to 2013, I still lived in Russia. I had another idea. What if I quit my job and build some SAAS platform (or whatever) and sell my stuff to US customers. So I need some website which accept US credit cards. I contacted my Russian bank (who previously allowed me to transfer money to OptionsXpress) about steps to make in order to accept US credit cards in Russia. I've been told explicitly in email that they won't allow me to accept US credit cards under any circumstances.
Back then I still believed in "the free west". So I thought - no problem, I will just open bank account abroad and do all operations from my foreign account. I planned vacation in Hong Kong. And Hong Kong is freest economy in the world. Looks like it's right place to open bank account. I contacted HSBC Hong Kong via email. Their general support assured me that I can open bank account with them if I'm foreigner. I flew to Hong Kong for vacation and visited HSBC branch. Of course, they rejected me. But they recommended me to visit last floor in their HQ building, they told me that another HSBC branch specializes on opening bank accounts for foreigners. I went there and they said minimum amount to open bank account is 10 mil HKD (1.27 mil USD). Later I learned that it's called private banking.
When I relocated to the Netherlands, I asked ABN Amro staff - what's happen with my bank account if I quit/lose my job in the Netherlands and have to return back to Russia. I've been told that I can't have my dutch bank account if I go back to Russia even if I already used their bank for 2+ years.
I still had idea that I would like to quit my job and do something for myself. The problem is that I'm Russian citizen and I don't have any residency which is independent from my employment. So if I quit my job in the Netherlands, I have to return back to Russia. I wanted to see how I would get payments from US/EU customers. I found Stripe Atlas, it's so exciting, they help you to incorporate in US, and even help with banking, all process of receiving credit card payments is very smooth. But as usual in my case, there is a catch - Russia in their list of restricted countries.
Speaking of centralized compliance-friendly (e.g. KYC) crypto exchanges. This year I live and work in Hong Kong. Earlier this year, I thought it would be nice to have an account at local crypto exchange in Hong Kong so I can quickly transfer money from my bank account in Hong Kong to crypto exchange using FPS (local payment system for fast bank transfers). What could go wrong? After all Hong Kong is freest economy in the world, right? I submitted KYC documents to crypto exchange called Weever including copy of my Hong Kong ID as they requested. They very quickly responded that they need copy of my passport as well. I submitted copy of my Russian passport. This time they got silent. After a few days, they sent me email saying that Russia is on the US Office of Foreign Assets Control sanction list, so they just require me to fill a form about source of the funds. I told them that the source of my funds is salary, my Hong Kong bank can confirm that along with my employment contract. They got very silent after I sent them a filled form. After a week of silence I asked them - when my account get approved? They said that their compliance office will review my application soon. And they got very silent again. I waited for two or three weeks. Then I asked them again. And I immediately got email with title - Rejection for Weever Account Opening. And text of email was:
We are sorry to inform you that Weever may not be able to accept your account opening application at this stage.
Exactly the same situation I had with one crypto exchange in Europe back in 2017. Luckily I have accounts at other crypto exchanges including Gemini, one of most compliance obsessed exchange in the world. Although I don't keep my money there because I can't trust them, who knows what might come into head of their compliance officer one sunny day.
By the way, I'm living and working outside of Russia for quite a few years. The situation with crypto exchanges is much worse for those who still living in Russia.
I give you a few other examples of financial discrimination is not related to troubles with my Russian citizenship.
Back in 2018, I still lived in the Netherlands. I logged in into my brokerage account just to buy US ETFs as I always do - SPY and QQQ. I placed my order and it failed to fill. I thought it's just a technical problem with my brokerage account. After a few failed attempts to send buy orders for SPY and QQQ, I contacted their support. What they told me was shocking and completely unexpected. They said I'm not permitted to buy US ETFs anymore as EU resident because EU passed a law to protect retail investors. So as a EU resident I'm allowed to be exposed to more risk by buying individual US stocks but I'm not allowed to reduce my risk by buying SPY because ... EU wants to protect me. I felt final result of new law. By the way, on paper their law looks fine.
And the final example. It's a known fact that US public market become less attractive in recent decades. Due to heavy regulatory burden companies prefer to go public very late. So if successful unicorn startup grows from its inception/genesis to late adoption, company's valuation would be 3-5 orders of orders of magnitude. For example, if valuation of successful company at inception is 1 Mil USD, then at its very latest stage it's valuation would be 10 Bil USD. So we have 10'000 times of growth. In the best case scenario, company would go public at 1 Bil USD 5-10 years before reaching its peak 10 Bil USD. So investors in private equity could enjoy 1000 fold growth and just leave for public only last 10 fold growth stretched in time. In the worst case scenario, company would go public at 10 Bil USD, i.e. at its historical peak. But there are well known platforms to buy shares of private companies, one of such platforms is Forge Global. You can buy shares of almost all blue chip startups. You can even invest in SpaceX! But as always, there is a catch - US government wants to protect not just US citizens but all people in the world (sounds ridiculous, right?). US law requires you to have 1 Mil USD net worth or 200'000 USD annual income if you want to buy shares of non-public company. So if you are high-net worth individual you can be called "accredited investor". Funny thing is that the law intends to protect US citizens but even if you are not US citizen and never even lived in US, this law is still applies to you in practice. So if you are "poor loser", platforms like Forge Global will reject you.
So high-net worth individuals have access and opportunity to Bitcoin-style multi-magnitude growth every 5-10 years. Contrary to private equity markets, US public markets is low risk/low return type of market. If you have small amount of capital, it's just glorified way to protect yourself from inflation plus some little return on top. It's not bad, US public market is a still great way to store your wealth. But I'm deeply convinced that for small capital you must seek fundamentally different type of market - high risk/high return. It's just historical luck that Bitcoin/Ethereum/etc were available for general public from day one. But in reality, viral/exponential growth is happening quite often. It's just you don't have access to such type of markets due to regulatory reasons.
I intentionally described these examples of financial discrimination in full details as I experienced them because I do feel that vast majority of people in the first world honestly think that current financial system works just fine and only criminals and terrorists are banned. In reality that's not true at all. 99.999% of innocent people are completely cut off from modern financial system in the name of fighting against money laundering.
Here is a big picture why it's happening. There are rich countries (so called western world) and poor countries (so called third world). Financial wall is carefully built by two sides. Authoritarian leaders of poor countries almost always want full control over their population, they don't like market economy, and since market forces don't value their crappy legal system (because it works only for close friends of authoritarian leader) they must implement strict capital control. Otherwise, all capital will run away from their country because nobody really respects their crappy legal system. It only has value under heavy gun of government. Only friends of authoritarian leader can move their money out of country but not you.
Leaders of rich countries want to protect their economy from "dirty money" coming from third world. Since citizens of poor countries never vote for leaders of rich countries nobody really cares if rich country just ban everyone from poor country. It's the most lazy way to fight against money laundering - simply ban everyone from certain country.
Actually if you look deeper you will see that rich countries very rarely directly ban ordinary people from third world. Usually, there is no such law which doesn't allow me to open bank account somewhere in Europe as non-EU resident. What's really happens is that US/EU government implement very harsh penalties for financial institutions if anything ever goes wrong.
So what's actually happens is that financial institutions (banks, brokerages etc) do de-risking. This is the most important word you must know about traditional financial system!
So if you have wrong passport, financial institution (for example) bank from rich country just doesn't want to take any risks dealing with you even if you are willing to provide full documentation about your finances. It's well known fact that banks in Hong Kong, Europe, US like to unexpectedly shutdown accounts of thousands innocent businesses due to de-risking.
So it's actually de-risking is the real reason why I was rejected so many times by financial institutions in the first world!!! It's de-risking actually responsible for banning 99.999% of innocent people. So governments of rich democratic countries formally have clean hands because they are not banning ordinary people from third world directly. All dirty job is done by financial institutions but governments are well aware of that, it's just more convenient way to discriminate. And nobody actually cares! Ordinary citizens in rich countries are never exposed to such problems and they really don't care about people in third world, after all they are not citizens of US/EU/UK/CH/CA/HK/SG/JP/AU/NZ.
And now are you ready for the most hilarious part? If you are big corrupt bureaucrat from Russia you are actually welcome by the first world financial institutions! All Russian's junta keep their stolen money all across Europe and even in US. You might wonder how this is possible if the western financial system is so aggressive in de-risking.
Here is a simple equation which financial institution should solve when they decide whether to open an account for you or not:
Y - R = net profit
Where:
Y - how much profit they can make with you;
R - how much regulatory risk they take while working with you;
That's it! It's very simple equation. So if you are really big junta member from Russia you are actually welcome according to this equation. Banks have special name for serving (ultra) high-net worth individuals, it's called private banking. It's has nothing to do with the fact that bank is private. It's just fancy name for banking for rich.
So what's usually happen in real world. Some Estonian or Danish bank got caught with large scale money laundering from Russia. European leaders are ashamed in front of their voters. They implement new super harsh law against money laundering to keep their voters happy. Voters are ordinary people, they don't care about details of new regulations. So banks get scared and abruptly shutdown ALL accounts of Russian customers. And European voters are happy.
Modern money laundering laws are like shooting mouse in your house using bazooka! It's very efficient to kill mouse, right?
Now imagine world without financial borders. It's hard to do so because we are all get so used to current status quo of traditional financial system. But with additional effort you can start asking questions - if Internet economy is so global and it doesn't really matter where HQ of startup is located, why they are all concentrated in just a few tiny places like Silicon Valley and ... well, that's mostly it if you count the biggest unicorns!
Another question would be - why so many talented russian, indian, chinese programmers just go to the same places like San Francisco, London and make super rich companies like Amazon, Google, Facebook, Apple to get even richer? If all you need is laptop and access to internet, why you don't see any trade happening between first and third world?
Well actually there is a trade between first and third world but it's not exactly what I want to see. Usually third world countries sell their natural resources through giant corporations to the first world.
So it's possible to get access to the first world market from third world but this access usually granted only to big and established companies (and usually it means not innovative).
Unicorns are created through massive parallel experiment. Every week bunch of new startups are created in Silicon Valley. Thousands and thousands startups are created in Silicon Valley with almost instant access to global market. Just by law of large numbers you have a very few of them who later become unicorns and dominate the world.
But if you have wrong passport and you are located in "wrong" country where every attempt to access global market is very costly, then you most likely not to start innovative startup in the first place. In the best case scenario, you just create either local business or just local copy-paste startup (copied from the west) oriented on (relatively small) domestic market. Obviously in such setup it's predictable that places like Silicon Valley will have giant advantage and as a result all unicorns get concentrated in just a few tiny places.
In the world without financial barriers there will be much smaller gap between rich and poor countries. With low barrier of entry, it won't be a game when winner takes all.
Whole architecture of decentralized cryptocurrencies is intended to remove middle man and make transactions permissionless. Governments are inherently opposite to that, they are centralized and permissioned. Therefore, decentralized cryptocurrencies are fundamentally incompatible with traditional financial system which is full of middle mans and regulations (i.e. permissions).
Real value of crypto are coming from third world, not the first world. People are buying crypto in rich countries just want to invest. Their financial system and their fiat money are more or less already working for them. So there is no immediate urgency to get rid of fiat money in the first world. So the first world citizens buying crypto on centralized KYCd exchanges are essentially making side bet on the success of crypto in third world.
Real and natural environment of cryptocurrencies is actually dark OTC market in places like Venezuela and China.
But cryptocurrencies like Bitcoin and Ethereum have a big limitation to wide adoption in third world - high volatility.
So the real target audience is oppressed (both by their own government and by first world governments) ordinary citizens of third world countries yet they are least who can afford to take burden of high volatility.
Right now, Tether is a big thing for dark markets across the world (by the way, dark market doesn't automatically imply bad!). But Tether soon or later be smashed by US/EU regulators.
The only real and working permissionless stable cryptocurrency (avoiding hyped word - stablecoin) is DAI.
DAI is the currency for post-Tether world to lead dark OTC market around the world and subvert fiat currencies of oppressive third world governments.
Once DAI become de-facto widespread currency in shadow economy in all of third world, then it will be accepted (after many huge push backs from governments) as a new reality. I'm talking about 10-20+ years time horizon.
But if MakerDAO chooses the route of being compliance friendly then DAI will lose its real target audience (i.e. third world).
I can not imagine US/EU calmly tolerate someone buying US stocks and using as a collateral to issue another security (i.e. DAI) which is going to be traded somewhere in Venezuela! You can not be compliance friendly and serve people in Venezuela.
Facebook's Libra was stupidest thing I've seen. It's extremely stupid to ask permission from the first world regulators to serve third world and create borderless economy. Another stupid thing is to please third world governments as well. For example, Libra (if ever run) will not serve Indian, Chinese, Venezuelan people. Who is then going to use stupid Libra? Hipsters in Silicon Valley? Why? US dollars are good enough already.
submitted by omgcoin to MakerDAO [link] [comments]

SKRILL(15€/10£) - VERSE €\£5 - CURVE(5£) - WORLDREMIT(25 euros, 30CAD, 35 AUD e.t.c.) - XENDPAY (10$/€\£, or equivalent in sending currency - unlimited) - TRANSFERGO(10£/12€) - TRANSFEWISE(5€) - CURRENCY FAIR(30€) - XAPO($10 IN BTC) - Celsius Network (UP TO $ 220 in BTC) - LUNO(25) - BITPANDA(10)

BE CAREFUL PLEASE - I WILL PERSONALLY PROVIDE YOU WITH MY UNIQUE LINKS AND PROMO CODES TO INSURE (PROTECT) OUR REWARDS.
BANKS - BANKING SERVICES AND CRYPTOCURRENCIES – FREE MONEY - FREE CRYPTO -SKRILL(15€/10£) - VERSE €\£5 - CURVE(5£) - WORLDREMIT(25 euros, 30CAD, 35 AUD e.t.c.) - XENDPAY (10$/€\£, or equivalent in sending currency - unlimited) - TRANSFERGO(10£/12€) - TRANSFEWISE(5€) - CURRENCY FAIR(30€) - XAPO($10 IN BTC) - Celsius Network (UP TO $ 220 in BTC) - CRYPTO.COM ($50 in MCO) - IBANWALLET($25/25€)
Bitpanda (10) + 5 from me
Bitpanda (One of the mots known Crypto Currency Services)
  1. PM Me for Referral Link (in order to protect both our rewards)
  2. Verify your identity
  3. Deposit at least €25 on your account via bank transfer
  4. Buy €25 in cryptocurrency (for example Bitcoin (BTC), Ethereum (ETH) or (USDC) for a more stable crypto)
  5. The €10 bonus will be added to your account
  6. Complete the beginner quiz on https://www.bitpanda.com/academy/en/ to get €5 in BEST coins
  7. Sell all the cryptocurrency
  8. Transfer the money back to your bank :)
Luno(25) + 10 from me
Luno is a service to buy and sell cryptocurrencies. For new users: when buying €250 in BTC you get €15 free in BTC!
Steps:
Sign up through my link (send me a private message for my link and my code)
Verify your ID (it should take a around 30mins-1hour)
Fill in my code on the 'Rewards' page. If you get "This type of promotion code can only be applied once per person" then the code was already accepted during sign-up :)
Buy €250 in Bitcoin. You can deposit through Visa, which is instant and has no fee (no MasterCard, since the fees eat up your bonus), bank transfer (using Revolut it should only take a couple of hours) or iDeal.
After buying 250€ in Bitcoins the €15 in BTC will be credited to your account within a few minutes.
Sell the Bitcoins and transfer the full amount back to your bank account. It is possible that you end up with a bit less than €265 because of fees, but this shouldn't be more than a few euros. In my case I ended up with €262.27 due to fees and BTC fluctuation.
PM me for your bonus and enjoy!
Iban Wallet ($25/25€) + 10 from me
Step 1 : SEND ME A PERSONAL MESSAGE OR BID ME AS A COMMENT TO SEND YOU MY UNIQUE LINK
Step 2 : Complete the sign up form and verify your ID. You only need a photo of it, no annoying calls to make. When it asks for a referral code, you should use mine.
Deposit €1,000/$1,000 or more. You can use a credit card or bank transfer.
Step 3 : You will immediately receive the bonus €25/$25. All €1,025/$1,025 can be immediately withdrawn.
Full terms and conditions : https://www.ibanwallet.com/terms
Xapo ($10 in BTC) +5 from me
Xapo is a nice platform for investing in cryptocurrency. They have also offer a good referral bonus of $10 paid in BTC just for depositing $100 (±£80, ±108 ) to your Xapo account.
Here's how to get it:
  1. SEND ME A PERSONAL MESSAGE OR BID ME AS A COMMENT TO SEND YOU MY UNIQUE LINK AND OPEN MY LINK ON YOUR PHONE (must be done on your phone so it tracks properly) and download the app.
  2. Finish your registration by providing your phone number, e-mail address and verify your identity. You will need a picture of your Passport/ID/Driver's license and a picture/PDF of any bill with your address.
  3. Deposit €100 by a regular SEPA transfer. It's free to do it. You can also use your card for an instant deposit but it will charge you extra 2% for it.
  4. Your bonus of $10 in BTC will be credited immediately after your transfer reaches your Xapo account. There is no need to invest your money or do anything else with it.
You can exchange your BTC to EUR and transfer it back to your bank account.
T&C : https://static.xapo.com/terms/index.html
Celsius Network (UP TO $60 in BTC) + 5 from me
Celsius Network is a cryptocurrency investment app where you can get 8-12% yearly return on your coins. You don't need to do anything with them - just keep them in your Celsius' wallet.
They have a great referral program, which gives you $10 for signing up with my link, depositing and keeping $200 worth of coins for 30 days. You will also get some percentage of interest paid from Celsius for your investment.
They also have a lot of promotional codes which you can use to get up to $60 worth of bonuses paid in BTC.
Here are all the steps for you to get your FREE $60:
  1. SEND ME A PERSONAL MESSAGE OR BID ME AS A COMMENT TO SEND YOU MY UNIQUE LINK and use it when signing up on the app.
  2. Verify your identity with a picture of your Passport/ID/Driver's license. It usually takes no more than 30 minutes.
3. In Celsius app go to 'Enter a promo code' and enter these codes (depending on the amount you're willing to deposit):
· SPRING - $10 bonus paid in BTC when you deposit $100 and hold it for 30 days
· POV- $10 bonus paid in BTC when you deposit $200 and hold it for 3 days
· PAKMAN - $10 bonus paid in BTC when you deposit $100 and hold it for 30 days
· SAGA - $10 bonus paid in BTC when you deposit $100 and hold it for 30 days
· MINEABLE - $10 bonus paid in BTC when you deposit $100 and hold it for 30 days
4-Deposit crypto coins to your Celsius wallet. Make sure you entered the codes BEFORE your deposit. If you're not willing to risk with holding usual crypto coins (BTC/ETH/XRP/LTC etc.), which can gain or lose value, you can simply deposit one of the stablecoins (USDΤ/GUSD/TUSD/TGBP etc.), which will keep it's value. Buy your stablecoins on another cryptocurrency exchange platform. You can buy your USDΤ on CRYPTO.COM. (Referral code for crypto.com – SEND ME A MESSAGE) Make sure you deposit your coins in one transaction (equivalent to $100 or $200).
5-Hold your coins for these required days. Afterwards just transfer your coins, together with your bonuses back to wherever you want it and cash them out.
T&C: https://celsius.network/terms-of-use/
CRYPTO.COM ($50 in MCO) + 20 from me
Crypto.com is a well-known cryptocurrency exchange, and is paying 50$ to stake your crypto on their platform for 6 month. Im paying you 25$ of my reward to make the deal even better! So to get the bonus you have to buy and stake 50 MCO on crypto.com you will lock the 50 MCO for 6 months, but the reward will be withdrawable as soon as you stake the 50 MCO - so you can withdraw your bonus instantly.
Guide:
1. Sign up via my link - SEND ME A PERSONAL MESSAGE OR BID ME AS A COMMENT TO SEND YOU MY UNIQUE LINK
2. Verify your account via KYC - just follow the instructions ID will be necessary!
3. Go to “Card” in the app and make the buy and staking of MCO, you will now have unlocked your reward, make the last few steps to order the ruby steel card - this will get you, free spotify, 2% cashbacks and a lot more!
4. Sell and withdraw you reward or let the reward stay in your wallet as an investment - that’s totally up to you!
5. Write me a message so I can give you the extra 25$ to make this a great deal!
T&C: https://blog.crypto.com/update-crypto-coms-bg50-both-get-50-referral-program/
CurrencyFair (30€) +10 from me
CurrencyFair is a service to send money internationally (just like Skrill, WorldRemit, Xoom etc.). They have now increased the referral bonus to €50 for new users when making a transfer of at least €2000 (or equivalent in another currency, ~ £1765). SEND ME A PERSONAL MESSAGE OR BID ME AS A COMMENT TO SEND YOU MY UNIQUE LINK. It is super easy to be obtained. I have proofs of my rewards! You must send 2000 Euros and after that you are credited 50 Euros in your CurrencyFair Account (3 Euros fee to transfer to your personal bank). The steps for the registration are very easy. Follow my link, chose to send approximate 2030 or 2040 due to the gap that CurrecyFair holds between exchange rates, verify your account (need to attach two proofs of identity and one proof of your address or one proof of your identity and two proofs of your address) and make the transfer through your Revolut or Monese account. For example, send money from Revolut EU account to Revolut GB account. Finally, your net profil will be about 20 euros.
T&C:https://www.currencyfair.com/express-deposits-terms-conditions/
Skrill (£10/€15 e.t.c.) + 5 from me
Skrill is a money transfer service, where you also get £10 referral discount for your first transfer. Skrill doesn't require any ID verification.
Here are the steps to get your FREE £10:
SEND ME A PERSONAL MESSAGE OR BID ME AS A COMMENT TO SEND YOU MY UNIQUE LINK
  1. Choose the country where your other account is and enter £100.
  2. Complete all the details about your EUR account on the next page.
  3. Make sure you have written my code before submitting the transfer so you will only have to pay £90 and will receive £100 to your account.
  4. Finish the transfer by paying with your card. Easy as that.
It never took more than 24 hours for the money to reach my account.
If you're an existing member on Skrill but have never used Skrill Money Transfer you can still enter my code for your first transfer and get the discount. Please note - it might not work for really old Skrill accounts but it's still worth trying.
Here are the different options for countries outside of UK:
EUR countries = minimum transfer of 150€ to get 15€ off transaction
Canada = minimum transfer of 200$ to get 25$ off transaction.
Australia = minimum transfer of 100$ to get 40$ off transaction
South Africa = minimum transfer of 1500 ZAR to get 250 ZAR off transaction
T&C:https://www.skrill.com/en/footeterms-conditions/skrillaccounttermsofuse/
VERSE - €\£1 From Verse (UK or EU)
Verse is a money transfer service that has a generous reward for signing up. Steps are simple.
How to get the reward? From Verse (UK or EU) Verse is a money transfer service that has a generous reward for signing up. Steps are simple. How to get the reward?
[ HOW TO CLAIM MONEY ]
STEP 1 - SEND ME A PERSONAL MESSAGE OR BID ME AS A COMMENT TO SEND YOU MY UNIQUE LINK. DO NOT DOWNLOAD THE APP AND REGISTER AS IT IS FOR NEW USERS ONLY
STEP2 - Register using my link and load £20/€20 by linking your bank
STEP3 - Send the money to a friend or relative, or if you need assistance you can send to me and I’ll send it right back.
STEP4 - After both requirements are completed you can IMMEDIATELY claim your reward and withdrawal the money to your bank account.
If there are any inquiries, feel free to message me.
T&C:https://verse.me/en/terms
CURVE (5£) +1 from me
Curve is a great app where you can add all your debit and credit cards and spend from any of them just by choosing it with a tap of your finger.
Here's how to get your FREE £5:
  1. Download the Curve app on your phone. You can use this link ***SEND ME A PERSONAL MESSAGE OR BID ME AS A COMMENT TO SEND YOU MY UNIQUE LINK***
  2. Make sure to enter my code when signing up to get FREE £5 after your first transaction.
  3. Add one of your debit or credit cards in the app.
  4. Wait for your Curve MasterCard to arrive by post (it's completely free) and make your first payment. I added my Revolut card and topped up my Revolut account with Curve card in order to activate the bonus, so no actual spending needed. You can also add your Curve card to PayPal and verify it. It will count as a transaction and will activate the bonus.
  5. You will be awarded FREE £5, which you can spend anywhere with your Curve card.
T&C:https://www.curve.com/en/terms
WORLDREMIT (Voucher code 25 euros, 30CAD, 35 AUD e.t.c.) + 5 from me
SEND ME A PERSONAL MESSAGE OR BID ME AS A COMMENT TO SEND YOU MY UNIQUE LINK
I send money online with WorldRemit. I think you should too. If you join and send 125.00 EUR we'll each get a 25.00 EUR voucher. Also, use the code 3FREE. The first free transactions are fee-free.
IF YOU YOU ARE NOT RESIDENT OF COUNTRY (ex. Belgium) WHERE YOU SEND MONEY TO AND DO NOT HAVE PHONE NUMBER (Belgium), BUT HAVE BELGIUM ACCOUNT, JUST FILL IN THE FIELDS WITH YOUR REAL INFORMATION. IT IS PASSED.
Warming : What is the minimum send amount to qualify for Refer a Friend? (IN this link you can find Sending from / Minimum send amount / Voucher amount)
T&C:https://www.worldremit.com/en/about-us/recipient-terms-conditions
XENDPAY (10$/€\£, or equivalent in sending currency - unlimited) + 4 from me
It a trusted and really fast money transfer service, which offers **£10 referral reward (**£10/€10/$10 or equivalent in sending currency) (so called first transfer discount) if you haven’t tried their service yet.
Here are the steps to get your **FREE (**£10/€10/$10):
  1. SEND ME A PERSONAL MESSAGE OR BID ME AS A COMMENT TO SEND YOU MY UNIQUE LINK
  2. Verify your identity with a picture of your Passport/ID/Driver’s license and your address with a picture of an utility bill. It took me around 4 hours to get verified, which is not too long. It was even faster for others I know.
  3. Make your first transfer of £100 or more)(minimum sending amount is £100/€100/$100, or equivalent in sending currency) . Click ‘Send Money’ on the Dashboard. On the next page choose that you’re sending money from UK to the country where your EUR account is and write 0 next to ‘Transfer Fee’, so it becomes free. You will see £10 discount applied, which means that you will have to pay £90 for this transfer and will receive equivalent to £100 in Euros.
  4. Enter your own personal details and your EUR account details.
  5. Pay with your card or bank transfer.
Your money should reach your account within 1 business day.
T&C:https://xendpay.com/xendpay-terms-and-conditions/
TRANSFERGO (10£) + 5 from me
Get £10 bonus using my referral code: Enter my code when signing up to get your £10 bonus. Once you’ve transferred over £50 or equivalent, you’ll receive your £10 cashback. I love using TransferGo to send money abroad! Try it for FREE yourself! After the identity verification you will receive a code for fee-free transfer. The procedure takes about 30 minutes to be completed.
We recommend reading our terms in full.
T&C: https://www.transfergo.com/en/terms-and-conditions
TRANSFERWISE (PROVIDE YOU WITH 5IF YOU DO A TRANSFER OVER 250)
TransferWise provides you with a first transfer of up to 500 GBP fee-free. And, as always — you’ll get the real exchange rate whenever you send money abroad. Instant transfer. In my case, I used my Revolut card (physical or virtual) and sent money (250€) from my EU Revolut account to GBP Revolut account. The money transfer was completed after 10 second and exchanged Pounds into Euro without losing anything. SEND ME A PERSONAL MESSAGE OR BID ME A S A COMMENT TO SEND YOU MY UNIQUE LINK.
T&C: https://transferwise.com/terms-and-conditions
submitted by AchilleasOikonomou to referralcodes [link] [comments]

SKRILL(15€/10£) - VERSE €\£5 - CURVE(5£) - WORLDREMIT(25 euros, 30CAD, 35 AUD e.t.c.) - XENDPAY (10$/€\£, or equivalent in sending currency - unlimited) - TRANSFERGO(10£/12€) - TRANSFEWISE(5€) - CURRENCY FAIR(30€) - XAPO($10 IN BTC) - Celsius Network (UP TO $ 220 in BTC) - LUNO(25) - BITPANDA(10)

BE CAREFUL PLEASE - I WILL PERSONALLY PROVIDE YOU WITH MY UNIQUE LINKS AND PROMO CODES TO INSURE (PROTECT) OUR REWARDS.
BANKS - BANKING SERVICES AND CRYPTOCURRENCIES – FREE MONEY - FREE CRYPTO -SKRILL(15€/10£) - VERSE €\£5 - CURVE(5£) - WORLDREMIT(25 euros, 30CAD, 35 AUD e.t.c.) - XENDPAY (10$/€\£, or equivalent in sending currency - unlimited) - TRANSFERGO(10£/12€) - TRANSFEWISE(5€) - CURRENCY FAIR(30€) - XAPO($10 IN BTC) - Celsius Network (UP TO $ 220 in BTC) - CRYPTO.COM ($50 in MCO) - IBANWALLET($25/25€)
Bitpanda (10) + 5 from me
Bitpanda (One of the mots known Crypto Currency Services)
  1. PM Me for Referral Link (in order to protect both our rewards)
  2. Verify your identity
  3. Deposit at least €25 on your account via bank transfer
  4. Buy €25 in cryptocurrency (for example Bitcoin (BTC), Ethereum (ETH) or (USDC) for a more stable crypto)
  5. The €10 bonus will be added to your account
  6. Complete the beginner quiz on https://www.bitpanda.com/academy/en/ to get €5 in BEST coins
  7. Sell all the cryptocurrency
  8. Transfer the money back to your bank :)
Luno(25) + 10 from me
Luno is a service to buy and sell cryptocurrencies. For new users: when buying €250 in BTC you get €15 free in BTC!
Steps:
Sign up through my link (send me a private message for my link and my code)
Verify your ID (it should take a around 30mins-1hour)
Fill in my code on the 'Rewards' page. If you get "This type of promotion code can only be applied once per person" then the code was already accepted during sign-up :)
Buy €250 in Bitcoin. You can deposit through Visa, which is instant and has no fee (no MasterCard, since the fees eat up your bonus), bank transfer (using Revolut it should only take a couple of hours) or iDeal.
After buying 250€ in Bitcoins the €15 in BTC will be credited to your account within a few minutes.
Sell the Bitcoins and transfer the full amount back to your bank account. It is possible that you end up with a bit less than €265 because of fees, but this shouldn't be more than a few euros. In my case I ended up with €262.27 due to fees and BTC fluctuation.
PM me for your bonus and enjoy!
Iban Wallet ($25/25€) + 10 from me
Step 1 : SEND ME A PERSONAL MESSAGE OR BID ME AS A COMMENT TO SEND YOU MY UNIQUE LINK
Step 2 : Complete the sign up form and verify your ID. You only need a photo of it, no annoying calls to make. When it asks for a referral code, you should use mine.
Deposit €1,000/$1,000 or more. You can use a credit card or bank transfer.
Step 3 : You will immediately receive the bonus €25/$25. All €1,025/$1,025 can be immediately withdrawn.
Full terms and conditions : https://www.ibanwallet.com/terms
Xapo ($10 in BTC) +5 from me
Xapo is a nice platform for investing in cryptocurrency. They have also offer a good referral bonus of $10 paid in BTC just for depositing $100 (±£80, ±108 ) to your Xapo account.
Here's how to get it:
  1. SEND ME A PERSONAL MESSAGE OR BID ME AS A COMMENT TO SEND YOU MY UNIQUE LINK AND OPEN MY LINK ON YOUR PHONE (must be done on your phone so it tracks properly) and download the app.
  2. Finish your registration by providing your phone number, e-mail address and verify your identity. You will need a picture of your Passport/ID/Driver's license and a picture/PDF of any bill with your address.
  3. Deposit €100 by a regular SEPA transfer. It's free to do it. You can also use your card for an instant deposit but it will charge you extra 2% for it.
  4. Your bonus of $10 in BTC will be credited immediately after your transfer reaches your Xapo account. There is no need to invest your money or do anything else with it.
You can exchange your BTC to EUR and transfer it back to your bank account.
T&C : https://static.xapo.com/terms/index.html
Celsius Network (UP TO $60 in BTC) + 5 from me
Celsius Network is a cryptocurrency investment app where you can get 8-12% yearly return on your coins. You don't need to do anything with them - just keep them in your Celsius' wallet.
They have a great referral program, which gives you $10 for signing up with my link, depositing and keeping $200 worth of coins for 30 days. You will also get some percentage of interest paid from Celsius for your investment.
They also have a lot of promotional codes which you can use to get up to $60 worth of bonuses paid in BTC.
Here are all the steps for you to get your FREE $60:
  1. SEND ME A PERSONAL MESSAGE OR BID ME AS A COMMENT TO SEND YOU MY UNIQUE LINK and use it when signing up on the app.
  2. Verify your identity with a picture of your Passport/ID/Driver's license. It usually takes no more than 30 minutes.
3. In Celsius app go to 'Enter a promo code' and enter these codes (depending on the amount you're willing to deposit):
· SPRING - $10 bonus paid in BTC when you deposit $100 and hold it for 30 days
· POV- $10 bonus paid in BTC when you deposit $200 and hold it for 3 days
· PAKMAN - $10 bonus paid in BTC when you deposit $100 and hold it for 30 days
· SAGA - $10 bonus paid in BTC when you deposit $100 and hold it for 30 days
· MINEABLE - $10 bonus paid in BTC when you deposit $100 and hold it for 30 days
4-Deposit crypto coins to your Celsius wallet. Make sure you entered the codes BEFORE your deposit. If you're not willing to risk with holding usual crypto coins (BTC/ETH/XRP/LTC etc.), which can gain or lose value, you can simply deposit one of the stablecoins (USDΤ/GUSD/TUSD/TGBP etc.), which will keep it's value. Buy your stablecoins on another cryptocurrency exchange platform. You can buy your USDΤ on CRYPTO.COM. (Referral code for crypto.com – SEND ME A MESSAGE) Make sure you deposit your coins in one transaction (equivalent to $100 or $200).
5-Hold your coins for these required days. Afterwards just transfer your coins, together with your bonuses back to wherever you want it and cash them out.
T&C: https://celsius.network/terms-of-use/
CRYPTO.COM ($50 in MCO) + 20 from me
Crypto.com is a well-known cryptocurrency exchange, and is paying 50$ to stake your crypto on their platform for 6 month. Im paying you 25$ of my reward to make the deal even better! So to get the bonus you have to buy and stake 50 MCO on crypto.com you will lock the 50 MCO for 6 months, but the reward will be withdrawable as soon as you stake the 50 MCO - so you can withdraw your bonus instantly.
Guide:
1. Sign up via my link - SEND ME A PERSONAL MESSAGE OR BID ME AS A COMMENT TO SEND YOU MY UNIQUE LINK
2. Verify your account via KYC - just follow the instructions ID will be necessary!
3. Go to “Card” in the app and make the buy and staking of MCO, you will now have unlocked your reward, make the last few steps to order the ruby steel card - this will get you, free spotify, 2% cashbacks and a lot more!
4. Sell and withdraw you reward or let the reward stay in your wallet as an investment - that’s totally up to you!
5. Write me a message so I can give you the extra 25$ to make this a great deal!
T&C: https://blog.crypto.com/update-crypto-coms-bg50-both-get-50-referral-program/
CurrencyFair (30€) +10 from me
CurrencyFair is a service to send money internationally (just like Skrill, WorldRemit, Xoom etc.). They have now increased the referral bonus to €50 for new users when making a transfer of at least €2000 (or equivalent in another currency, ~ £1765). SEND ME A PERSONAL MESSAGE OR BID ME AS A COMMENT TO SEND YOU MY UNIQUE LINK. It is super easy to be obtained. I have proofs of my rewards! You must send 2000 Euros and after that you are credited 50 Euros in your CurrencyFair Account (3 Euros fee to transfer to your personal bank). The steps for the registration are very easy. Follow my link, chose to send approximate 2030 or 2040 due to the gap that CurrecyFair holds between exchange rates, verify your account (need to attach two proofs of identity and one proof of your address or one proof of your identity and two proofs of your address) and make the transfer through your Revolut or Monese account. For example, send money from Revolut EU account to Revolut GB account. Finally, your net profil will be about 20 euros.
T&C:https://www.currencyfair.com/express-deposits-terms-conditions/
Skrill (£10/€15 e.t.c.) + 5 from me
Skrill is a money transfer service, where you also get £10 referral discount for your first transfer. Skrill doesn't require any ID verification.
Here are the steps to get your FREE £10:
SEND ME A PERSONAL MESSAGE OR BID ME AS A COMMENT TO SEND YOU MY UNIQUE LINK
  1. Choose the country where your other account is and enter £100.
  2. Complete all the details about your EUR account on the next page.
  3. Make sure you have written my code before submitting the transfer so you will only have to pay £90 and will receive £100 to your account.
  4. Finish the transfer by paying with your card. Easy as that.
It never took more than 24 hours for the money to reach my account.
If you're an existing member on Skrill but have never used Skrill Money Transfer you can still enter my code for your first transfer and get the discount. Please note - it might not work for really old Skrill accounts but it's still worth trying.
Here are the different options for countries outside of UK:
EUR countries = minimum transfer of 150€ to get 15€ off transaction
Canada = minimum transfer of 200$ to get 25$ off transaction.
Australia = minimum transfer of 100$ to get 40$ off transaction
South Africa = minimum transfer of 1500 ZAR to get 250 ZAR off transaction
T&C:https://www.skrill.com/en/footeterms-conditions/skrillaccounttermsofuse/
VERSE - €\£1 From Verse (UK or EU)
Verse is a money transfer service that has a generous reward for signing up. Steps are simple.
How to get the reward? From Verse (UK or EU) Verse is a money transfer service that has a generous reward for signing up. Steps are simple. How to get the reward?
[ HOW TO CLAIM MONEY ]
STEP 1 - SEND ME A PERSONAL MESSAGE OR BID ME AS A COMMENT TO SEND YOU MY UNIQUE LINK. DO NOT DOWNLOAD THE APP AND REGISTER AS IT IS FOR NEW USERS ONLY
STEP2 - Register using my link and load £20/€20 by linking your bank
STEP3 - Send the money to a friend or relative, or if you need assistance you can send to me and I’ll send it right back.
STEP4 - After both requirements are completed you can IMMEDIATELY claim your reward and withdrawal the money to your bank account.
If there are any inquiries, feel free to message me.
T&C:https://verse.me/en/terms
CURVE (5£) +1 from me
Curve is a great app where you can add all your debit and credit cards and spend from any of them just by choosing it with a tap of your finger.
Here's how to get your FREE £5:
  1. Download the Curve app on your phone. You can use this link ***SEND ME A PERSONAL MESSAGE OR BID ME AS A COMMENT TO SEND YOU MY UNIQUE LINK***
  2. Make sure to enter my code when signing up to get FREE £5 after your first transaction.
  3. Add one of your debit or credit cards in the app.
  4. Wait for your Curve MasterCard to arrive by post (it's completely free) and make your first payment. I added my Revolut card and topped up my Revolut account with Curve card in order to activate the bonus, so no actual spending needed. You can also add your Curve card to PayPal and verify it. It will count as a transaction and will activate the bonus.
  5. You will be awarded FREE £5, which you can spend anywhere with your Curve card.
T&C:https://www.curve.com/en/terms
WORLDREMIT (Voucher code 25 euros, 30CAD, 35 AUD e.t.c.) + 5 from me
SEND ME A PERSONAL MESSAGE OR BID ME AS A COMMENT TO SEND YOU MY UNIQUE LINK
I send money online with WorldRemit. I think you should too. If you join and send 125.00 EUR we'll each get a 25.00 EUR voucher. Also, use the code 3FREE. The first free transactions are fee-free.
IF YOU YOU ARE NOT RESIDENT OF COUNTRY (ex. Belgium) WHERE YOU SEND MONEY TO AND DO NOT HAVE PHONE NUMBER (Belgium), BUT HAVE BELGIUM ACCOUNT, JUST FILL IN THE FIELDS WITH YOUR REAL INFORMATION. IT IS PASSED.
Warming : What is the minimum send amount to qualify for Refer a Friend? (IN this link you can find Sending from / Minimum send amount / Voucher amount)
T&C:https://www.worldremit.com/en/about-us/recipient-terms-conditions
XENDPAY (10$/€\£, or equivalent in sending currency - unlimited) + 4 from me
It a trusted and really fast money transfer service, which offers **£10 referral reward (**£10/€10/$10 or equivalent in sending currency) (so called first transfer discount) if you haven’t tried their service yet.
Here are the steps to get your **FREE (**£10/€10/$10):
  1. SEND ME A PERSONAL MESSAGE OR BID ME AS A COMMENT TO SEND YOU MY UNIQUE LINK
  2. Verify your identity with a picture of your Passport/ID/Driver’s license and your address with a picture of an utility bill. It took me around 4 hours to get verified, which is not too long. It was even faster for others I know.
  3. Make your first transfer of £100 or more)(minimum sending amount is £100/€100/$100, or equivalent in sending currency) . Click ‘Send Money’ on the Dashboard. On the next page choose that you’re sending money from UK to the country where your EUR account is and write 0 next to ‘Transfer Fee’, so it becomes free. You will see £10 discount applied, which means that you will have to pay £90 for this transfer and will receive equivalent to £100 in Euros.
  4. Enter your own personal details and your EUR account details.
  5. Pay with your card or bank transfer.
Your money should reach your account within 1 business day.
T&C:https://xendpay.com/xendpay-terms-and-conditions/
TRANSFERGO (10£) + 5 from me
Get £10 bonus using my referral code: Enter my code when signing up to get your £10 bonus. Once you’ve transferred over £50 or equivalent, you’ll receive your £10 cashback. I love using TransferGo to send money abroad! Try it for FREE yourself! After the identity verification you will receive a code for fee-free transfer. The procedure takes about 30 minutes to be completed.
We recommend reading our terms in full.
T&C: https://www.transfergo.com/en/terms-and-conditions
TRANSFERWISE (PROVIDE YOU WITH 5IF YOU DO A TRANSFER OVER 250)
TransferWise provides you with a first transfer of up to 500 GBP fee-free. And, as always — you’ll get the real exchange rate whenever you send money abroad. Instant transfer. In my case, I used my Revolut card (physical or virtual) and sent money (250€) from my EU Revolut account to GBP Revolut account. The money transfer was completed after 10 second and exchanged Pounds into Euro without losing anything. SEND ME A PERSONAL MESSAGE OR BID ME A S A COMMENT TO SEND YOU MY UNIQUE LINK.
T&C: https://transferwise.com/terms-and-conditions
submitted by AchilleasOikonomou to referralcodes [link] [comments]

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