What is a Bitcoin ATM - How to Use It and Where to Find ...

BitExpress – Withdrawing Nearly $3,000 From a Bitcoin ATM – Bitcoin Is REAL!!! 😂

BitExpress – Withdrawing Nearly $3,000 From a Bitcoin ATM – Bitcoin Is REAL!!! 😂 submitted by Rufflenator to 3bitcoins [link] [comments]

BitExpress – Withdrawing Nearly $3,000 From a Bitcoin ATM – Bitcoin Is REAL!!! 😂

BitExpress – Withdrawing Nearly $3,000 From a Bitcoin ATM – Bitcoin Is REAL!!! 😂 submitted by ososru to Bitcoin4free [link] [comments]

The end of plastic cards nears: Over 70,000 ATMs will soon support Touch ID withdrawals and get people familiar using QR codes /r/Bitcoin

The end of plastic cards nears: Over 70,000 ATMs will soon support Touch ID withdrawals and get people familiar using QR codes /Bitcoin submitted by BitcoinAllBot to BitcoinAll [link] [comments]

Why do businesses need to accept payments from customers in cryptocurrency?

Why do businesses need to accept payments from customers in cryptocurrency?
The world is undeniably moving towards a digital ecosystem. And with the growing popularity of cryptocurrencies, more and more companies are starting to accept them as a form of payment.
According to Michael Foster, co-author of localethereum, Ethereum's decentralized peer-to-peer exchange platform, “cryptocurrency allows cheap and near-instant transactions without borders. This allows customers all over the world — even those who do not have access to traditional banks but have access to the Internet — to buy your company's services or products.”
5 economic reasons to start accepting payments in cryptocurrency
Cryptocurrencies are versatile, secure, and can be used to buy and sell goods online. Many industries like travel, clothing, food, and others have already started accepting crypto payments.
Let's take a look at how accepting cryptocurrency payments can help your business grow and prosper. We have selected 5 main reasons why it is profitable for your business to start accepting payments in cryptocurrency:
1) Reduced losses. Companies have to incur large losses due to chargebacks. If customers are paying with cryptocurrency, crypto payments go into an immutable public ledger. Therefore, by accepting crypto payments, entrepreneurs can protect themselves from potential fraudulent chargebacks.
2) Instant transactions without borders. Small online retailers and independent consultants often don’t sell their products and services internationally due to high cross-border transaction fees. Each payment is calculated at the time of the transaction. Therefore, when a buyer pays in bitcoins, the seller receives them and can immediately convert bitcoins to a desired fiat currency.
3) Reduced commission costs. Accepting cryptocurrency payments means lower fees compared to traditional payment systems. There are debit card fees, credit card fees, ATM fees, transfer fees, overdraft fees, and more.
Imagine that for every 100 dollars you spend, 4 dollars goes to credit card issuing companies.
There is no such thing in payments with cryptocurrency. Even leading crypto payment gateways like Bitpay charge as little as 0.5% to 1% per transaction, which is nothing compared to traditional payment processes.
4) No third parties. There are no third parties involved in the transaction, unlike when it comes to traditional payments. After a successful payment, the transaction amount goes to your wallet, which can be accessed immediately. You can then convert your cryptocurrencies into a chosen fiat currency at the end of each transaction or according to another customized schedule.
5) Expansion of the customer base. A business that accepts cryptocurrency will attract new customers. Tech-savvy clients, millennials, and people who want to control their finances use cryptocurrency more and more every year. This is a wide audience that is constantly growing.
You can attract attention to your business through seller directories that list companies who accept cryptocurrency.
If you run a business that can provide services or ship internationally, by accepting cryptocurrency you can easily accept payments and be confident that the transaction is complete and accurate.
Summary
Cryptocurrencies are becoming more and more popular around the world, both among companies and consumers. They enable fast and secure transactions, so it's no surprise that customers who are mindful of cyber attacks prefer them.
A business that accepts bitcoins can significantly increase its pool of potential customers.
In turn, Cratos crypto exchange will soon allow its corporate clients to work according to the C2B model by providing a payment form for clients and allowing them to accept, exchange and withdraw funds conveniently and quickly.
submitted by Cratos_Official to u/Cratos_Official [link] [comments]

What is Digital Banking?

What is Digital Banking?
Digital banking is at the core of today’s financial system. However, this wasn’t always the case. Banking has come along way, from going to your local teller and requesting funds, all the way to keeping your crypto insured and safe. Nowadays, nearly every bank offers some form of digital banking to its customers.
What is Digital Banking?
Digital banking sometimes referred to as e-banking slowly emerged over the last few decades. Importantly, digital banking portals allow banks to provide customers with access to traditional banking services via their PC or smart device. These services save customers and the bank time and money. Consequently, they are more popular than ever.

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The History of Digital Banking
The earliest forms of digital banking emerged in the 1960s. It was at this time the world began to see the first ATMs and debit cards introduced. These products were revolutionary for a couple of reasons. For one, for the first time in history, banking customers could access their funds 24/7. Remember, up until this point, you needed to go down to your local branch to withdraw or deposit funds. Depending on where you lived, this process could take considerable time.
The introduction of the internet changed digital banking forever. At first, banks relied on the internet for internal functionalities such as monitoring accounts or fund transfers. However, by the late 1990s, banks began offering services such as balance updates and fund transfers directly from the digital banking portal. By this point, digital banking was on its way to becoming a major trend.
In less than a decade, the internet saw a huge expansion in capabilities. The added data transmission and improved computer manufacturing techniques led to the creation of Smartphones. Today, it’s hard to imagine life without your smartphone. These handy pocket PCs enabled banks to offer a full suite of products from their portals.

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Consequently, a host of new services emerged because of the availability of smartphones. Features such as photo check cashing began to emerge in the market place. This feature allows clients to deposit checks by taking a picture on their cell phone via their banking app.
Given all of the advantages digital banking brings to the sector, it’s easy to see why today, every bank offers some form of digital banking to its clients. Both clients and banks have much to gain from this hi-tech integration.
Digital Banking Benefits
Digital banking is far more convenient for both NEEbank and customers. Customers save valuable time and resources by not having to go to a physical location. Additionally, their transactions are more secure because they don’t require the client to travel with funds in hand.
Importantly, the push for digital banking came mostly from the bankers. Banks gain huge amounts of flexibility and savings via e-banking portals. The money saved on infrastructure can go to further development of their online interfaces. Online banking eliminates much of the hiring, security, rent, and random customer needs such as deposit slips from the banking business model.
Digital Banking vs Online Banking
The field of e-banking has led to major evolutions within the financial sector. Originally, e-banking portals existed to help supplement brick and mortar banks. Today, that’s not the case as more online-only banks emerge.

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Over the last five years, Online-only banks have become a major trend in the market. These firms possess no physical location. As such, clients can conduct all transactions via their PC or smartphone. In most instances, these bank’s client base stretches across the country.
Benefits of e-Banking
As more digital banks appear in the market, it’s important to understand the benefits they introduce. Digital banks are able to be more flexible in who they provide services to, and how they acquire clients. Additionally, studies have shown that customers prefer banks with digital banking portals over their traditional counterparts.

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Easier to Join
The integration of KYC and AML protocols into online banking onboarding changed everything. Now, banks could gain new clients, while remaining compliant, via their online portal. To accomplish this monumental tasks, e-banking onboarding procedures include ID verification systems. Here potential clients must provide a large number of documents, such as ID Proofs, employment proof, address, etc.
Smartphones allow clients to provide these documents in pristine digital quality. Importantly, the digital banking platform automatically extrapolates and processes the relevant data via preprogrammed protocols. This strategy saves the bank and customer valuable time.
Discussing the evolution, Nnamdi Azodo of ALAT Digital Bank spoke on the importance of streamlining the banking sector. He described e-banking as the “application of technology to every banking activity.” Azodo explained that digital banking is the future of banking and that to remain competitive, all banks must embrace these upgrades.
24 Hour Banking
One of the biggest upgrades digital banking brings to the sector is accessibility. Remember, before the dawn of e-banking, you had to go down to your local branch. While in some instances, such as requesting a loan, a personal approach may be what you desire, in most instances, such as a deposit, there is no benefit to in-person transactions.
Digital banking allows you to access your account information and market transactions 24-hours a day and across the globe. This international accessibility helped to push the global economy forward. Now, digital banking is at the core of our global financial system.
Cost Savings
In the old days, banks spent large portions of their earnings on processes such as verification and accounting. Thankfully, computers removed much of this workload for banks. Today, automation plays a critical role in modern banking systems. Automation saves banks money and time when conduction the most common transactions.
Digitization reduces the steps involved in transactions, it also reduces the staff required. Digital banks save a ton on employee and upkeep costs. These costs can then be passed down to customers. These savings are part of the reason why digital banks continue to see widespread adoption globally.
Blockchain Technology
The advent of blockchain technology has pushed digital banking to new heights. Blockchain technology provides banks with a more efficient and transparent alternative to the status quo. This revolutionary technology allows banks to eliminate many of the third-party verification systems currently in place. Consequently, it provides banks with huge cost savings and a more secure platform to conduct transactions within.

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Crypto Digital Banks
Aside from ushering in a new era of efficiency, blockchain tech also introduced the world to cryptocurrencies. Cryptocurrencies such as Bitcoin continue to draw investor interests. Consequently, the emergence of these new financial instruments has created a unique opportunity within the e-banking sector — crypto banks.

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Cryptocurrency digital banks provide traditional banking services to crypto clients such as service providers, investors, or exchanges. For example, a crypto bank allows you to store, save, spend, and transfer cryptocurrencies from the banking portal. This style of banking has grown in popularity over the last five years in tandem with the growth of cryptocurrency use.
Digital Banking — Banking for the World
A new trend in the market is the use of AI to streamline banking processes. Advanced AI algorithms are able to determine the eligibility and qualifications of clients automatically. For example, the online loan you applied for last week may never go in front of a real human. Instead, a bank’s AI system will determine your eligibility for the funding using a set of pre-programmed criteria.

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Digital Banking continues to see growth within the financial sector. Importantly, a multitude of major banking institutions diverted funds from the creation of new branches into e-banking platform upgrades recently. You can expect this trend to continue as the digitization of the market expands. For now, a digital bank could be the perfect solution to all of your banking needs during the coronavirus pandemic.
submitted by IntelligentDream1168 to u/IntelligentDream1168 [link] [comments]

think I might be involved in a scam without knowing it

Throwaway for obvious reasons, but this is getting more sus as time goes on.
Basically, about a week ago I as contacted on my main email from an employer telling me that they saw my application on Indeed and are interested in hiring me. I checked my indeed applications and had never even applied or seen anything about this job, but after some googling I found this and thought 'ok.. the email they used is the email linked to my indeed and my CV is posted on there so maybe'. I was still very wary of the situation and didn't trust it 100% - if they were to ask for my SSN or any information like that I would bolt. The phone number that they called me from was on their website and the email handle checked out.
The company is a news agency and job they offered me was a mystery shopper job, where I fill out reports after completing the tasks they send me for the day. In this current climate, it focuses on pharmacies, grocery stores and banks. I went along with it until yesterday, when they sent me my task for the day. They wanted to transfer me money and my job was to go to the bank, withdraw the money in-person and note whether the bank teller checked my ID, what questions they asked, etc. I was fine with this until they told me that the way I would send the money back would be through a bitcoin ATM. First of all, the only bitcoin ATM open at this time near me is downtown, about a 40 minute drive away from my house and I really did not want to make that drive just for a deposit. Second, bitcoin. They didn't want me to etransfer it and insisted on bitcoin. I was officially 100% suspicious of this. I started looking into caller-ID spoofing and am considering it as a very likely possibility. I asked my boyfriend to call the number from his phone and he got. 'the customer you are calling is unavailable'. Another reason why I'm still doubtful is that they are still emailing me from the same HR email that was used for the application process. Usually, employers use a different email address after the selection process, no? I'm just scared that this is a fraud scam where they might be wiring me money they stole from some poor soul's account and I'd be playing a part in it by sending it to them through bitcoin.
I don't know who to contact about this (I'm not in the US, I'm in Canada) and I'm not sure if I should since I sound really paranoid about this. Any help would be greatly appreciated

EDIT: I also forgot to add - another reason why I'm sus is that the salary is too high imo for a mystery shopper job. I also have not completed the bank task
EDIT 2: I made a detailed report online with the Canadian Fraud Reporting System - thanks for your responses, they confirmed the gut feeling I had about this.
submitted by throwaway8scam to Scams [link] [comments]

I ruin people’s lives for fun, this is my story. [Chapter 3]

Chapter 1
Chapter 2
Good morning. It is currently 9 in the morning, and I am just finishing up my coffee at a local shop. I always get the same thing: A large iced coffee with 4 ice cubes and 2 packets of sugar. That concoction makes it the perfect temperature to enjoy.
I tend to do everything by routine, because I like to think it makes me more organized if I do it that way. Life is just a whole bunch of patterns someone has yet to figure out.
I was looking more into Jason’s assets and accounts. I came across something that made me laugh. He has been paying Kiley $1,000 every week. So from my observations, Kiley looks like an escort.
I think that this is helpful, because now I know that she doesn’t have a trustful relationship with him. I mean the money was being paid to the website to hire escorts. I really don’t care about Kiley though. She isn’t important to the game anymore.
I have to go to work in about an hour so I need to finish this up pretty quickly. I wanted to make the process of fucking with Jason long. I went on the dark web for a minute to see if I could come across a device that could withdraw money via ATM from previous accounts that had been connected to said ATM.
If that made any sense, my plan would be to buy this tool, and steal money from Jason’s account. I know I used bitcoin for the last one, but I thought this would be more eventful. I wanted more hands-on experience if you know what I mean.
I forgot to mention that I saw that Jason had a permit for concealed carry, so I need to keep this in mind.
After searching on a couple of the markets that I have accounts with, I finally came across it. It was around $200. I just went ahead, and used the funds that were already on my account to purchase it. It says that it ships domestically, so it should be here in the next few days. I will continue with this update after I get done with my shift.
I have just finished my shift, and I'm exhausted from how pestering my boss is. That prick just loves his sales quotas.
I got a confirmation letter from the vendor to my private email saying:
Your purchase was confirmed and the shipping process will now begin … thanks for doing business.
Fantastic! Now we can get to the fun part. I wanted to look more into his odd transaction with a car wash in Florida. I looked up the car wash, and it was only 2 miles away from Jason’s vacation home. I went ahead and called.
Some women picked up, “JJ’s car wash … how may I help you?"
I replied with, “Good, good. I was just wondering if I could get in contact with the owner? I wanted to come over, and do an evaluation on the value of the land … Is he there right now, or could you possibly give me a phone number to reach him?”
She hesitated, and said, “Uhhh, I'm sorry, sir, I'm not really sure if I can give that info out. Let me ask my manager.”
I interrupted her with, “No, that won’t be necessary. Just give me his email, and I’ll send him the information myself. Thanks.”
She said, “Sure … it's [email protected][redacted].com”
I hung up saying, “Thanks so much for your help. It means a lot. Thanks.”
Some people are just so oblivious to the world that they’ll believe anything they hear. Well, I guess I shouldn’t be complaining because that email is the same as Jason's. He owns some little car wash near his house in Florida. I wanted to look more into this, but thought that for right now it's a waste of time. (Added "that". Apostrophe on "it's", because it's= it is.)
Well, I went ahead and drove over to the nightclub Jason goes to every Wednesday night to see what he was up to there. I disguised myself as much as I could. I mean there were a lot of people here so no one would notice me unless I was face to face with them. I had a hat on and a hoodie. I just looked down at the floor as much as I could. I followed Jason in after he arrived with his driver. He went upstairs where VIPS are only allowed. I kept an eye on him for a while. He then disappeared to a back room which had me curious. I needed to figure a way to get upstairs without anyone questioning my authenticity. I went to the back room where I guess the staff gets ready. I found this work shirt that was black and an extra pair of pants that were a size too big. I had a belt on me so that wasn’t an issue and I put on the clothes and now I looked like a waiter. I went to the bar and said I needed 6 “on the rock” martinis and handed her a tray to put them on. She asked, “You work here?” I said, “Yeah, new … these are going upstairs so make it quick.” She nodded and proceeded to make the drinks. She handed me the tray and I carefully made my way up to one of the security guards at the stairs. I looked at him and said, “These are to go up to Mr. Peterson?. He looked at me up and down and waved his hand towards the stairs allowing me to go. I walked up the stairs with the tray in my hands and walked through the back door that Jason had recently disappeared to. I saw a few ladies that were all intoxicated and a couple of men sitting on the couch. There was a nice electric fireplace next to a computer desk that wrapped around the corner of the room. It was a decently big room with a minibar as well. I walked over towards the men. I said, “Excuse me gentlemen but, I have 6 martinis ready to drink in my hand.” I could tell that they all have been drinking because of the way they were slurring their words. Jason spoke up and said, “Perfect thank you … here’s a tip” handing me a $100 bill I took the money and pocketed it saying, “Thank you .. if you need anything else please call down to the bar.” I walked out. That room was soundproof as well because when I walked out my ears were rushed with loud music from the dance floor. I saw another door to my right and my curiosity peaked and I walked through. It was this long hallway and a little red sign saying “Exit”. Nothing special here so I just walked out back downstairs. I went ahead a walked over to the security guard and asked him something, “Which one of those guys is the owner?” He replied with, “You should know this … Mr. Peterson just took over ownership a few weeks ago.” This caught me off guard and I said, “Oh right … thanks.” I was mind blown because of how many properties this guy owned. Where was he getting all of this money … I mean I know that he owns a security company but, 2 houses, 3 companies that all pay in cash, a personal driver, large bank transactions. All of this wasn’t adding up. I went online and did some research.
I have the suspicion that Jason is laundering money through his businesses. I don’t know who he is cleaning money for but, it’s probably someone who doesn’t want their money fucked with. This could be an issue because if I fuck with Jason’s life and his financial situation that someone else could be looking after him. I don’t fear anyone will find me because I make sure I do everything very securely. I should be getting the atm snipping tool soon and hope to make a move on Jason and uncover his dirt. I’m getting excited just writing this right now knowing that I could possibly ruin not just Jason's life but his whole operation. Before I do begin my adventure I need to make a couple of precautionary steps. I logged onto the dark web and found a trustful hacking service. I would never hire someone to hack unless I didn’t have the skills to do the task. I mean if somehow I turned up dead my plan would still carry out. So I found someone who could “ruin” his life. I’ve been chatting with him now to see what type of services he offers and I found one that fits my purpose. I also told him I wouldn’t buy unless I failed my game, which means death. He understood and told me how it would work. He said I would need to put the money in escrow and I told him if I don’t respond within 2 weeks that the money will be sent automatically. By putting the money in escrow it means I can’t take it out and he can’t accept the payment unless all conditions are met with a third party. I set up a zombie computer to be the third party. Usually the vendor or market your on will have an escrow system but, I wanted to make sure that he would certainly get the money if anything happens to me. So I set the zombie and sent the escrow away. The payment was $600 to do whatever was necessary to either ruin them financially or put them in jail. This hacker could make them be known as a child porn user by encrypting his computer with files that would have him arrested. I was thinking of this option or go to a darker market which would put a price on Jason’s head.
Now that this was all set up I could move on and take Jason’s money. I watched him after work for a few nights to see if he would use an atm. He was at a little food market having lunch and used the atm to withdraw $40. I know this because my little tool tells me. So I watched him from across the street to see when he left. He left after eating and walked back to his car where his driver was waiting. They drove off and I waited about 5 minutes before doing anything. Atm machines have cameras so I needed to cover my face before hacking his account. I checked which account he withdrew from before going inside since I had access to his computer passwords. The account he used had approximately $12,000 in it. I knew going into this that I would only withdraw a couple thousand because I didn’t want the bank instantly freezing his account even though after he noticed, he would call and tell them. So I set up a script that would take $10,000 through tiny transactions with bots and have them located from all over the world so it wouldn’t be able to trace back to me. It would then compile the transactions back to an offshore account that I made. I would set this into action as soon as I withdrew the $2,000 in cash from the atm. This would leave Jason with $0 in his one account. I knew that he had other accounts but, the one that I was targeting had the highest balance.
I put on a bandana and some dark sunglasses with a hoodie on and walked inside. I got myself a little drink and paid in cash making sure to keep my fingers off the handle. I then went over to the atm and placed the tool where you put the card in. It loaded up this menu on the screen and it listed a couple of names from the recent customers that withdrew money. I clicked the arrow down to “Jason Peterson” and typed in the box that said “Custom amount” $2,000. It then went to another screen saying “Please remove your card before money dispenses.” I removed the tool and out came Jasons 2 grand. I put it in my wallet and walked out to my car. I made sure to park in a parking lot that was decently empty with no cameras to catch my plate. I pulled out my phone and went to the Facebook marketplace. I was feeling a new laptop right about now so I started scrolling through. I found one that matched my needs and messaged the seller, “Hey, I am interested in your listing … could we meet today?” He replied back pretty quickly with, “Sure, let’s meet at the [redacted] Starbucks!” The laptop was listed for $250. I told him I would pay in cash and I would be there in 20 minutes. I went to the Starbucks and met with the guy selling it. He was a nice guy who told me he just upgraded so that’s why he was selling it. I asked him to turn it on to make sure it works, which it did. I handed him the cash and wished him well. I walked outside and got into my car. I pulled around to the drive-through and got myself a large coffee with extra cream and sugar. After I got my coffee I went home and got a call from my boss asking where I was today. I told him that I really didn’t feel like working today which he replied telling me to not come back tomorrow and I was finished working there. I had a pretty big smile on my face at this point because now my time would be devoted to ruining Jason’s life.
I poured myself a nice glass of whiskey to end off the night right. I mean this would be the perfect time to celebrate. I just got fired and have over 10 grand in my pocket. I don’t want to get ahead of myself yet. It has been a couple of days since I sent that money in escrow and if I don’t get my job done before the 2 weeks are over then someone else will do it for me. This was like a tiny challenge in the midst of the much bigger challenge. Look at this way. I want to take credit for ruining Jason’s life or all of my work will go to waste. I mean the dark web hacker isn’t watching Jason’s every move and reading him like I was. All he had to do was sit on his ass and type on a computer. In this day and age that’s all you need. Hell, that’s how I ruined Connor’s life. I told you from the beginning that I wanted to up my game. I had the proper funds now to really up my game. In the morning, I went to go to a local Walmart to pick up a few things. I wanted to make a homemade suppressor. I was looking at the prices on the dark web but, if I could save some money doing it, then why not right? So I looked up how to make a homemade suppressor and picked up the right supplies to make it. You need some PVC pipes, steel wool, a drill, and a few other things and you got yourself a suppressor. It didn’t take to long to make and it fits real snug on my .50 caliber sniper rifle. No, I wasn’t going to kill Jason because that would be too easy. I wanted to fuck with him a little longer before really getting down and dirty. Pull his strings like a puppet if you will. My plan was this. I would find a time where Jason was alone and I would call him. I would tell him if he wanted his money back that we would have to meet. I would specify that he and only him would come and if anyone else was to show that his funds would be long gone before he ever got there. I would then drug him with chloroform and take him to a secluded place where no one would find us. I would then tell him to give up all of the information on the people he works for or he and Kiley dies. I thought to introduce that I know Kiley that it would motivate him a little more. Just the strings in his life. If that didn’t work my plan would be to tell him that the police were raiding his house for child pornography which I downloaded on his computer. I would show him his files from my laptop remotely to prove it and if that didn’t work we would figure something else out.
I wanted to move forward with this as soon as possible. I grabbed my car keys and headed out the door. Today I wasn’t going to do anything with Jason. Today I needed to shop. While I was at Walmart this morning I grabbed some bleach and rubbing alcohol to produce the chemical chloroform which would make Jason unconscious. I also picked up some latex gloves for prints. I bought myself a burner phone at a gas station near my apartment too. Now that I have all of my supplies I headed over to a Starbucks. I ordered my usual large coffee with 4 ice cubes and 2 packets of sugar. I brought my new laptop with me and connected it to the free wifi. This laptop wouldn’t be coming home with me. I was going to use this laptop to connect me to Jason’s stock portfolio. After I hacked into it I would sell all of his stocks that were a part of any company he owned leaving him with nothing in return. Basically sweeping the owner's name tag out from under his feet. I would then corrupt the hard drive and throw the laptop in the dumpster. After this, it was time to burn everything he owned to the ground. I wanted to leave him and the people he worked for with nothing in return … absolutely nothing.
submitted by idonthavemuchtime12 to mrcreeps [link] [comments]

Bitcoin for Kids - A HowTo via CashApp

Non-KYC options are listed below, but assuming you have a willing parent or guardian, here's an example of how that would work for a minor in the US via CashApp. Ensure your upfront with the parent or guardian as to what your doing.
  1. Get a summer job with some source of direct deposit income.
  2. Ask your legal guardian to help you open a "Youth Spending" checking account also called UTMA.
  3. Ask for a debit card attached to the account.
  4. Have your summer job paychecks direct deposited to the account.
  5. Download the CashApp and link it to your phone number AND email.
  6. Link the CashApp to your Youth Spending Debit card and checking account.
  7. Attempt to transfer $25 from your debit card into your CashApp, assuming you have the money.
  8. Ask your guardian to fill in their SSN when prompted.
  9. Attempt to buy $20 in stock, ask your guardian to answer the questions.
  10. Go to the Bitcoin section and click to enable bitcoin deposit and withdraw.
  11. Ask your guardian to scan their license and take a selfie.
You can also apply for a CashCard which you can add to Google Pay, Android Pay, Garmin Pay, or whatever. Once all the verification are done (a day or two) you will be able to buy and sell US stocks and bitcoin in the app for a 2% fee. For all of these steps, questions about identity, name and address should all be answered as the guardian, not the minor. So the account name is in the name "Adult Smith" not "Minor Smith". Same with SSN and ID checks. You can choose to put your name on the face of the CashCard and Debit Card since this carries no legal weight. The accounts are all still legally in your parent's or guardian's name.
For even lower fees you could ask your parents or guardians to KYC through Binance, Kraken, Gemini or Coinbase to link your checking account to a real exchange.
For those with guardians or parents that would not agree to KYC for you, here are some non-KYC options, though the fees are much (much) higher than 2%.
Please remember that bitcon is easy to steal. Since minor's have limited standing in US courts, most exchanges don't want to deal with them. If you proceed there is a 100% chance that someone will try to scam you. Make sure you catch every scammer you encounter, or you will go broke fast.
Source: Bitcoin for Kids
submitted by brianddk to Bitcoin [link] [comments]

39 Percent Of Businesses Worldwide Have Blockchain In Production, Deloitte Reports

39 Percent Of Businesses Worldwide Have Blockchain In Production, Deloitte Reports

Nine Out Of Ten Surveyed Businesses Believe That Blockchain Technology Will Become More Important Over The Next Three Years
One of the biggest auditing companies to date, Deloitte, published the results from its “2020 Global Blockchain Survey”, which took place between 6th February and 3rd March, 2020. The results show that 39% of the 1,488 surveyed executives and large-scale business owners admit they have already begun to research and develop blockchain products and services for and into their companies. The figures are up with 16% from last year, with the percentage increasing to 41% when including companies with over $100 million in yearly revenue.
Deloitte audited companies from China, Canada, Germany, South Africa, Hong Kong, Brazil, Switzerland, UAE, Ireland, Mexico, Israel, Singapore, UK, and the United States. The respondents showed “a broad understanding of digital assets, blockchain, and DLT.”
The auditing giant also noted that many companies are making blockchain technology a key priority for their business, as well as the potential that digital assets have and may have in the near future.
“Eighty-nine percent of the respondents stated that digital assets could be of great importance to the underlying industries over the next three years.”, Deloitte’s report stated. “Over fifty percent report blockchain and digital assets will be very important”, the report added.
Source: Delloite \"2020 Global Blockchain Survey\"
Also, Deloitte made a correlation between company interest in blockchain technology and the hiring practices of the companies. The report noted that 82% of the audited companies would “hire people with blockchain expertise” in the next 12 months. Almost the same percentage of respondents admit that they may lose their competitive advantage if they fail to adopt blockchain technology.
Interestingly, the survey data showed that 54% of the companies consider blockchain technology as overhyped, which marks an increase from previous years. Records show that the levels in 2019 were 43% and in 2018 – 39%.
Blockchain adoption is however, not equally distributed from one country to another. China, for example, leads the pack with 59% of companies that included blockchain in production, while the percentage in the U.S. is almost twice lower – 31%. Chinese companies also strongly believe that digital assets would replace fiat currencies over the next decade.
Meanwhile, the number of Bitcoin ATMs worldwide surpassed 8,000 with 1,000 ATMs deployed since March 2020. According to CoinATMRadar, 8,208 terminals in 73 countries allow users to cash out Bitcoin and altcoins into fiat currencies, with over 6,000 ATMs currently operating in the United States alone.
Source: CoinATMRadar
Crypto ATMs vary in functionalities, but most of the ATMs can facilitate withdrawals and purchasing of Bitcoin (BTC), Bitcoin Cash (BCH), Dash, Ethereum (ETH), Zcash (ZCH), Monero (XMR), Tether (USDT), and Ripple (XRP).
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Predictions for the future of cryptocurrencies

It was in the year 2017, cryptocurrencies skyrocketed to the next level. But, the future of Cryptocurrency is still getting plenty of predictions every moment. People from different domains have started looking for these predictions. In December 2017, Bitcoin broke the trading charts by surging up to $20k, and became the most worthy cryptocurrency to the world.
Even though Cryptocurrencies will impact the future — the regulations will keep getting tighter. Countries like United States, United Kingdom, Australia have accepted Cryptocurrencies. In future, there are chances that other countries will come forward and accept Cryptocurrencies. We are all hoping that countries like – Mexico, Thailand, and South Africa will take the necessary steps to make crypto legal and adopt the Blockchain. But, what do cryptocurrencies hold for us in the next decade? Here are the 10 fabulous predictions for the future of crypto’s.
Everyone will start to use Cryptocurrencies — and they may not even be aware of it.
Though it has been a decade since the arrival of Cryptocurrencies, there are people who aren’t aware of it. They make use of the traditional method of transactions to manage the money flow. In the future, businesses will start using Cryptocurrencies to pay for their services. With this, businesses will remove the middleman from various processes. And it will reduces costs and makes their services cheaper for the end user. All this will happen even when people aren’t aware of the cryptocurrencies. Bitcoins will hit $1 million.
John McAfee has predicted a very bold thought about Bitcoin hitting $1 million by the end of 2020. He believes that, crypto currencies are the most trusted ones. Once the Bitcoin takes over the global economy, the demand will increase and the traditional dollars will no longer be needed.
The owner of Snapchat, Jeremy Liew and Blockchain co-founder Peter Smith predicts that by 2030, the price will have reached $500.000.
In the future, Bitcoin will act as Remittances for many people. Lack of knowledge can make the people buy Bitcoins as a safer mode of investment similar to Gold. With smartphone transactions, half of the world will march towards non-cash transactions by the year 2030. Cryptocurrencies will replace Fiat currencies. According to Draper, one of the Crypto Enthusiast has recorded his view on the same. He says Fiat currencies will disappear as people will start marching towards cryptocurrencies like Bitcoin, Ethereum, etc. The major reason for this adoption is people believe cryptocurrencies as the reliable storages of value across country borders and political aspects.
If you consider the most popular cryptocurrency, Bitcoin, it has reached the top 30 currencies list by passing the $10.000 hallmark. Thus, most of the experts predict Cryptocurrencies are here to stay by being an alternative for Fiat Currencies. Moreover, it is said that the total lifespan of fiat currencies will be at a maximum of five years.
Government Agencies will soon adopt Blockchain Technology.
Countries with SEC Guidelines will start adopting Cryptocurrencies for their Governments. Currently, Government agencies are maintaining a separate database. Each agency is dependent on the other for its processes. This has been a tedious process nowadays. When Blockchain comes into the picture, the distributed ledger can provide effective data management to enhance the process and make it simplified.
In the next ten years, we can expect powerful cryptocurrencies to rule the Governments and manage the cash flow in the country. Crypto enthusiasts predict Government agencies will soon start adopting this Decentralized systems for their processes. For example, the Estonian Government has already adopted Blockchain Technology called X-Road, which stores the complete credentials of all citizens.
Future of Cryptocurrencies will integrate with Internet of Things.
IoT is already here. When both these giants get combined, we can expect a fantastic future of technologies without any doubts. According to the recent report by IDC, it is expected that Blockchain Technology will join their hands with the Internet of Things soon.
The primary motto of the integration is to render a highly scalable and secure framework for communication between IoT devices. Yet another thing is Cryptocurrencies have the stability to make micro-investments for smart devices in an efficient way.
Cryptocurrency Exchanges Trading.
The Trading enthusiasts in the crypto world are marching towards cryptocurrency exchanges for trading. In the near future, more cryptocurrencies will come into existence. With the growth in the price of cryptocurrencies, users will start trading with different currencies.
As Bitcoin is the popular cryptocurrency till the date, Ripple will also emerge to be the next Bitcoin in the future years. Along with this, Ethereum, Litecoin, Stellar will start to uprise their prices. As the price starts rising, it will have a great impact on crypto exchanges and the crypto world.
Banking and Financial industries will undergo disruption.
Blockchain and Cryptocurrencies have a lot to do with Banking and Financial sectors. Banks will eventually accept cryptocurrencies to reduce their complexities. Here are a few things cryptocurrency will do:
People will start opening Cryptocurrency Bank Accounts. Cryptocurrency Debit cards will become a normal thing. Instead of withdrawing money, one can buy Bitcoin and other cryptocurrencies directly from ATM’s. Banks will be ready to offer cryptocurrency loans to suitable candidates. Cryptocurrencies will make an instant process.
Do you want to send money back to your parents living on the other side of the world? It will just require 5 seconds to send your $5000 to them with fewer transaction fees. You don’t need to wait for 3 days to fill their pockets.
In addition to the fast transactions, Blockchain Technology will bring in the feature of downloading or file transfer within seconds. Blockchain copies of games, music, videos, books will be sent to your cryptocurrency wallets at a higher speed which would eliminate today’s file transfer services.
New Cryptocurrencies will start emerging.
Though Bitcoins, Ethereum, Litecoins are ruling the world for now as they are the first Blockchain products invented. Innovations don’t stop here! Most of the new cryptocurrencies will start emerging and the future lies with them.
These cryptocurrencies will be far different from the present ones. Just imagine a cryptocurrency which can identify the individual’s reputation and lets you in investing in them! Great right? No wonder that we aren’t far away from it!
Cryptocurrencies will still be volatile.
Despite the measures to stop volatility, Cryptocurrencies will still implement the factors to eliminate it. The major factors for low volatility are regulation of the country and the markets. But when cryptocurrency trading emerges at its peak, cryptocurrencies would experience a deep feeling of relief.
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I'm an Undercover FBI Agent on the Deep Web

Part one
My name is Special Agent “Barry Allen” . (Not my real name of course) It's actually my code name. Given to me by my colleagues. You may recognize this name from the comic book character “The Flash”. I was given this name due to my quickness to obtain IP addresses , bypass firewalls and hack into certain deep web sites and shut them down. That is my area of expertise.
However, I've also been assigned to a Joint Task Force before which tracked and arrested drug runners, firearms dealers and human trafficking rings. Believe it or not. The federal government is everywhere. Social media, Reddit, YouTube. You name it. We have our guys on it. We monitor everything. That being said, the FBI only has jurisdiction to operate within the borders of the United States.
In this new digital age we find ourselves living, Cybercrime is much more of a direct threat. Now more than ever…
Yes in the past we feared as a nation, biological and chemical warfare. As an example, right after 9/11 the United States had an Anthrax attack. In the FBI, it was known as “Amerithrax” Letters were mailed containing anthrax spores to several news media offices and to Democratic Senators Tom Daschle and Patrick Leahy, killing 5 people and infecting 17 others. Once the victim opened the letters they would immediately be exposed to the spores. Inhaling them is the most deadly form of the attacks. And it quickly destroys your immune and respiratory system's.Back then there were no known cures and it was difficult to treat as the symptoms often times confused doctors. The death rate once exposed was nearly 95% .No one was ever officially arrested or tried as the primary suspect for this horrific crime. If you ask me though, the scariest part of this investigation is where it led us….To a lab on an Army base. Essentially the US Army was weaponizing Anthrax using independent scientists specializing in microbiological warfare.
Of course though, if you wanted to bring down Western Civilization today , all you'd have to do is manipulate or destroy our satellites and we would be back in the dark ages. Computers, banks , grocery stores and cell phones, power plants, even the water filtration system runs with electronics and the ability to communicate with satellites.
Essentially, our world now depends on this. It's scary to think about. Especially when 14 year olds are hacking into the largest banks in the world from their mother's basement. Somehow they are able to bypass the best security systems we know of. (I personally believe they are using password skimmers) We joke in my department that in order to work for us, you simply only need to be smarter than a teenager.
My background is in IT while in the military. While serving i also obtained several certifications and degrees in my field..
I worked alongside someone i never thought i would. Turns out the federal government often times hires former hackers to “consult” for them. In fact they have an army of internet soldiers at their disposal. I was actually trained by a convicted felon. It's been said he is one of the best hackers in the world. Eventually i was put in contact with men in the FBI. Essentially went through a series of rigorous “tests” to determine my operating field of work. After seeing our skills, they then placed myself and the felon on the Cyber Anti-Terrorism unit (or CAT as we call it) .
Our first assignment was to locate a man on the Deep Web known only as “Captain Death” He runs this anonymous site in which the viewers would donate bitcoin to watch unspeakable acts of torture, mutilation and murder. Often times called “Red Rooms”. After searching for a while, clicking on every single link given to us, we found the exact link which directed us to the host site.We visited the website. For a moment the page was completely black. So we waited a few moments. Suddenly a bright red colored text appears across the top of the screen. “Welcome! To the house of pain, tonight's events will commence in 2 minutes. Enjoy” Looking over at my colleague, Jeff begins penetrating the sites security systems attempting to find the IP address of the hosts location. Viewing the site still with my eyes locked onto the screen. Using my laptop separate from Jeffs. The monitor goes black, Then a video attempts to load. Buffering now for several minutes. “Any luck Jeff”? I ask. “I'm searching for a weakness in the security firewall. Give me a minute” he responds. Frustrated i say, “We may not have a minute” Using access control, Jeff was able to find and manipulate the users login information bringing down the video before the it began. Believe it or not. One of the weakest points to a website can often times be it's login feature. Jeff found a vulnerability in the source codes software and exploited it. Still haven't found the guy. As that process is much more difficult. For now, we can rest a little bit easier knowing his account is compromised.
The best hack is when you can invade a security system and not ever be noticed. This was not one of those instances. “Who are you” appears on Jeff's computer screen. He responds quickly “The Dark Knight” in bold green text as he looks over the offenders account. Attempting to track down banking information. Recent transactions. Even bitcoin exchange.
Searching over the vast amount of data pouring into the site. Seems they have gone through great lengths to keep themselves hidden from the public. The Identity of the perp is still unknown. Patting Jeff on the shoulder i thank him for saving my eyes from witnessing god only knows what. I suppose for now it's a small victory. “Let's take a break Jeff” I urge. Shutting down our laptops we exit the dark cold room we sat in with monitors, computers, servers and many other electronic components all around us. One thing to remember, heat is the enemy of electronics. and for some strange reason, we enjoy freezing our asses off while hacking.
Walking outside Jeff lights up a cigarette and takes a drag. Putting on his sunglasses “Want one?” He asks “No thanks, they really break my concentration, I don't seem to function well with that in my system” i reply… he scoffs and quietly whispers (amateur) while choking and coughing. I smile and look up “Yeah well at least I can breathe” I say laughing. (A smile forming on ny face) We begin walking to a nearby restaurant. My phone lights up and rings loudly. It's my supervisor. “Go for Barry” I speak confidently. My boss is breathing heavily into the phone and says sternly “What's the News on Captain Death”? I begin to inform him on our progress and our struggles. “Keep me posted Barry, good work.” He says. (Not telling him Jeff did most of the work, i feel bad for taking credit for this one)
Reaching the doors of the bar and grill, I notice a man sitting in the corner of the restaurant with his family. Jumping back quickly while peering around the corner. Jeff gives me a strange look as I inform him that man is a fugitive from an earlier investigation. I call in for back up and sit back in our unmarked unit waiting for the Cavalry to arrive as he is armed and extremely dangerous. 15 minutes pass as back up swarms the parking lot. We exit the vehicle and surround the building. Rushing in 12 men strong, guns drawn we make the arrest. Fortunately, he did not resist. No civilians were harmed on the takedown.This man has been on the run for months moving from state to state. I had previously set up a sting operation to illegally buy stolen guns from the man which had been arranged through the deep web. However , this particular sting was an in-person arms deal. He appeared very spooked and got away from us before the transaction was made. After searching his panel van today we found an entire armory of weapons. A few days pass and we now have a search warrant issued by the judge for his last known address. Confiscating all of his computers, hard drives and weapons. My partner and I found a hidden room below the living room floor boards with $1.4 million dollars in it. It also had passports and other documents. He was ready to flee the country for sure. Why he was out in public is beyond me. Though often times, men like him feel they are untouchable and above the law.
It's several weeks later and work has been slow. (Not sure if that is good or bad) Until today that is, I began chatting on forums and meeting interesting characters in chat rooms. On the clear net and deep web. Today I met a dark shadowy figure online. He claims to have worked with a group of hackers who specializes in debit and credit card theft online. (Playing the part ask in a private chat) “How much does this pay?” Moments pass with no answer. I sit and wait for a response. A message appears with a link and a phone number. “Contact him for a trial run, if you do well. He'll set you up with further work” he writes. (Thinking for a moment, finally an adversary worth hunting) Typing quickly I say “Who is he, do you know him personally”? He responds rapidly and the text box closes after he writes “Rule number one, no names!” Fortunately I was able to copy the link and phone number before my computer screen went completely blank.
Reaching for the burner phone i recently acquired i begin dialing the number provided. It rings several times. No answer. So i check out the link i copied. Right before i click on it. My phone lights up and rings beside me forcing me to jump out of my seat. Startled i look at the cell phone. Mildly confused as it reads 'unknown number’. Quickly i answer the phone. A man on the other end speaks. “How did you find this number”? he asks. I inform him i was searching online for a while. Im new and im looking for work. “I was told you're the man to call if i wanted some action, i need the money” i implore. “Competition is next week, meet at this address, winner gets a spot on my team, if you think you're up for the test, be on time” he demands. I thank him and abruptly hang up.
Jeff comes over to my place. He has some info on low level guys in the fraudulent/stolen debit card scheme. Using an unmarked and totally not suspicious surveillance van. We follow a few men on their day to day operations. For the most part, this portion of our job is the worst. Very daunting and boring. Sitting and waiting isn't exactly glamourous as the movies depict it to be.
From what we can tell so far these men are using credit card skimmers. Victims of credit card skimming are completely blindsided by the theft. They notice fraudulent charges on their accounts or money withdrawn from their accounts, but their credit and debit cards never left their possession. How did the theft happen?
You may be wondering, what exactly is this? Credit card skimming is a type of credit card theft where crooks use a small device to steal credit card information in an otherwise legitimate credit or debit card transaction. When a credit or debit card is swiped through a skimmer, the device captures and stores all the details stored in the card's magnetic stripe. The stripe contains the credit card number and expiration date and the credit card holder's full name. Thieves use the stolen data to make fraudulent charges either online or with a counterfeit credit card.
These men have been using these small devices all over the local area and surrounding states as well. Targeting the nicer areas of town. Attaching the devices to the ATMs. Sitting a short distance away in their cars watching each victim approaching. Laughing all the way to the bank...so to speak. After several days of stake-outs. Out team makes the arrests. Finding blank cards, machines and large sums of cash on hand. After hours of interrogations we learn a much bigger scheme is in the works. The men inform us that they were merely a distraction for a much larger crime. My supervisor gives us clearance to make a deal with them. Lessening their charges if they are willing to cooperate. Speaking with the men for 3 more hours we learn what's really going on. The next few days are extremely tense as our offices try to warn all the banks and even get the media involved.
Calling every bank, big and small we alert them of the situation that cybercriminals are poised to carry out an “ATM cash-out,” an operation that gives thieves access to untold sums of money by bypassing security measures on an ATM. If successful, the operation has the potential to be a heist unlike any we’ve ever seen.
The FBI has obtained unspecified reporting indicating cyber criminals are planning to conduct a global Automated Teller Machine (ATM) cash-out scheme in the coming days, likely associated with an unknown card issuer breach and commonly referred to as an ‘unlimited operation‘.
These unlimited operations compromise financial institutions or payment processors by installing malware that allows hackers to exploit network access, allowing admin-level access. Once inside, they can disable fraud protection, raise maximum ATM withdrawal amounts (and transaction limits) and withdraw large sums of money. Millions, potentially.
All they’ll need to carry out the attack are debit and credit card numbers found on the dark web, and dummy cards, also known as “blanks,” to attach the numbers to.
The cyber criminals typically create fraudulent copies of legitimate cards by sending stolen card data to co-conspirators who imprint the data on reusable magnetic strip cards, such as gift cards purchased at retail stores. At a pre-determined time, the co-conspirators withdraw account funds from ATMs using these cards.
It's nearly a week later and im preparing for my tests. I have my laptop ready in its case. Im extremely nervous.The information given to me is that i am to meet at this very strange building on the outskirts of town. I have no idea what to expect. I must come in first place to become a member of the team and ultimately take down the leader of this cybercrime domestic terrorist.
If things go according to his plan.He could potentially put the entire country on its knees and our banking systems would completely collapse.Chaos and madness will spread like wildfires. Millions of people unable to access their money will riot and destroy stores. Stealing food and everything they can get their hands on. The police will be overrun and unable to do anything about it. The military would most certainly be called in an attempt to regain order. Mass hysteria ensues. To the extremes we have never seen before. I must stop him. Before its too late….
Part 2
The day has come and I just received the call I've long avoided. It is time. The competition for top tier hackers are meeting at this building in which i believed to have been abandoned. We are in the surveillance van. Heading towards our destination. Our equipment is all packed up. Wearing a wire on my chest. (Hopefully they don't pat me down upon entry) Jeff is driving recklessly, as he has a bad habit of being late. Testing the audio in the back of the van. Generally this is done days before an operation. However, we are rather short on time. (Not pointing any fingers)
Leaving the city limits, we now enter a heavily wooded area. There is only one way in. The road is turning into rubble. Small rocks are shooting from our tires .Lights are fading behind us as we venture further into the forest. Jeff now using high beams. We notice it's grown quiet. Other than hearing the tires on the gravel road. There seems to be less and less wildlife in the area. I got this feeling like we are being watched.
Checking my cell phone, we have lost all signal. (Is this a trap)? i thought . Our other equipment seems to work just fine. I can begin to see dim lights in the distance. We must be nearing the competition. “You ready for this?” (Jeff asks while blowing smoke out the window) I start to swat the backdraft of the smoke billowing back into my window. “Yeah, I'm ready, you should really consider cutting back on the smokes.” I utter. Just then, a pack of Marlboros are hurled in my direction. “We're here , Barry. Make sure you have everything.” (Jeff commands) “I'm all set.” I reply.
Jeff stops the Van on the gravel. Exiting the vehicle, i grab my backpack while adjusting my clothes. (I found some glasses with regular lens in them, so as to ‘look the part’) Walking towards the building i speak quietly into my chest microphone. “Test, test chest mic, how do you read me” i ask. (Jeffs growly voice comes into my earpiece) “Loud and clear, good luck” he responds.
One odd thing i notice right away as my feet kick up against the rocks on the ground is that there is only one vehicle other than ours. A large bus. Slightly confused, i look in every direction while also investigating the bus. Seems as though it's empty. (Later i would learn everyone else met up at a different location and they all took the bus to get here).
Reaching the suspicious looking building, i reach for the door handle. As the door opens with little force, loud music hits me as well as bright flashing lights. What the hell? Walking around i find what i was looking for in a back room. “You're late , take your seat.” a well dressed man says (Seeing one empty seat left) Grabbing my laptop from the bag. Booting it up and joining the their local area network. Connection established. A strange software automatically downloads on my laptop.
The man who greeted me walks over to examine my screen. “We will wait until this participant is ready” (he tells everyone else) Minutes pass and the program has finished installing. What's on my screen is a D O D login showing the user name and password empty fields. “Ok everyone, your first task will be to crack the code and gain entry into this system. You have ten minutes to access the servers and find the login information. The first 10 people who accomplish this task will advance to the next round, good luck, your time starts now!” he explained.
A voice come over my earpiece once more .“Ok Barry, i'm linked up with your laptop, i can see everything you see. I will now control everything remotely. How do you read”? Jeff says quietly. “I hear you, I'll let you take over from here.” I reply. My colleague begins typing away like mad. It's been said he can type up to 153 words per minute. Looking at my screen, the computer is changing rapidly, each window appearing with different streams of code. (Almost like what you seen in the movie The Matrix) Which i suppose is a foreign language to most people. It can seem overwhelming at times. Normally. I would be doing this.
Jeff is far better and faster than i. It's not worth the risk. This task is far too important. There is much at stake here. As he continues going in through the firewall. More boxes open and close all over the screen. I appear as if im typing away. As there is a man walking around watching each potential hacker perform their duties. Not sure if it's the leader of this anonymous group. He is in a dark suit and all i can see is the flashes of light from each monitor.
Maybe it's just my paranoia but i feel like he keeps shooting me these awfully suspicious looks. Have to stay focused. Come on Barry. You need this. Concentrate! Keep your head in the game. I can't lose myself in the moment. Oh wait a minute, i just now remembered. I'm not even in control of my machine. Jeff, i sure as hell hope you know what you're doing…
“Barry, you DO know i just heard everything you said, right? Now shut the hell up and let me work. We only have 4 minutes left!!” Jeff urges. “Well then hurry up you lung cancer having prick, I'm dying in here. Must be 90 degrees” i whisper. Just then (Access granted) appears on my screen. The login information has been hacked. Instantly i jump up as if I've just won in BINGO. “I'm in!!!” I yell loudly to the man. He nods and another man comes over to confirm the legitimacy of my claim.
After confirmation is given a few moments later. Myself and several others are ushered to another room not first seen when you enter the building. First we are taken down a flight of unkempt stairs creaking and groaning with every step. Feeling as it could give out at any moment. Our group reaches the bottom of the stairs and are now on a platform. A mechanical whirring is heard as we now are being lowered even further underground. “Where the hell are we going”? One man asks in fear. “Silence fool”!! (Says the man in a nice dark suit) Finally the platform stops as i would approximate we are at least 80 feet underground.
A long dark hallway is before us. Lit dimly by low hanging lights. Which never seem to end as far as we can see. Walking for several minutes i no longer hear my associate in my ear piece. So i remove it quickly before anyone notices. There is a musty smell that has disturbed me immediately coming down here. It grows stronger the closer we get to the direction we are headed. Im last in line only in front of what i assess is a hired goon.
Stopping for a moment im pushed forward on my upper back near my shoulders. (I swear if i wasn't trying to save the world right now, I'd just take out my service pistol and blow this cocksucker away. No one would miss him) We reach a large old wooden door with absolutely no handle or markings of any kind. The leader pushes up against the wall near the door and it opens slowly. Everyone pours in single file line. There is a large wooden table with chairs almost like a conference room. “Take your seats please” the leader addresses. “You're all probably wondering what the hell we are doing down here, well you're here for a job. Also i didn't want any interference of any kind. Just in case the government is watching us. There's no way they could possibly hear what's being said this far underground.” He explains.
“Congratulations to each of you that has moved on to the next round. You 10 have been chosen to advance to the next stage in the competition. This following task will include various stages of difficulty. You will be chosen at random by a computer so it's completely fair. Each of you are to hack into some the world's largest banks and bring down their servers. Please come back to this location. Your names have been taken down and we shall contact you if anything changes. I expect to see all of you back with us .Same time next week. 6 days from now. That is all for now, thank you.”
The leader finishes and leaves the room first. Each man muttering and chatting loudly. I can hear only bits and pieces as everyone is talking loudly. Minutes pass and we are escorted out of the building. Everyone begins walking towards the bus. I veer towards my van and am stopped by the same man who pushed me earlier. “Just where the hell do you think you're going”? He asks. “Oh i didn't get the meet up spot, i had to drive here.” I respond while swatting away his hand from my shoulder. The man reaches in his pocket pulling out a card. “Be at this location and be on time or we will find someone else” the man urges. I snatch the card and stuff it into my wallet.
Reaching the van, i hop in and drive away. “What the hell happened in there”? Jeff demands. I begin informing him of everything that took place and explained the situation. He nods and tells me good work. Wait a minute, this doesn't look right. Jeff looks at me puzzled. Something is off. I don't remember any of this. Now there's a fork in the road. Is this the way we came? I thought i remembered it being only a one way in and one way out. “You went off the gravel road, move over,let me drive.” Jeff says. Hey sorry man, I'm a hacker. Not a tracker. Just get us the hell out of here. I'm more lost than Atlantis.
About an hour passes and Jeff somehow gets us out of the woods and back to the main road. We head back towards my house. But suddenly he makes a detour. “Screw this man. After all that i need a damn drink. You down”? Jeff asks. “Well in the words of my father, If you have time to think, you have time to drink” i utter proudly. (Then again dad was a major alcoholic, so perhaps that's bad advice) “Well alright then” jeff says as he floors the gas pedal.
Roughly 20 minutes later we arrive at his favourite bar where he immediately opens up a tab. I'm worried as I've heard he drinks like a fish. Not to mention we are both armed in a bar. (Yes that's illegal but screw you i am F B I. Remember folks, laws are made to be broken, otherwise, I'd be out of a job)
Crap i think i have lost my colleague. I begin walking around the establishment and am stunned to see this gorgeous blonde woman cross my path. We strike up a conversation and i soon forget about Jeff. (Meh oh well he is a grown man, i am sure he will be fine) She asks what i do for work and of course i lie. Never know when you need to run a background check on someone. Besides telling the whole world you're an undercover FBI agent isn't exactly the best idea. Or so the Bureau instructed us.
We continue chatting for a while and eventually part ways as it began to get late into the night we exchange numbers and she leaves gracefully. I walk outside to see the van still parked in the same spot. A bit puzzled i go over to inspect the van thinking maybe he just passed out in the front seat. I arrive at the driver's side door and open it to find all of our equipment gone and jeff is nowhere to be found. Freaking out i run back into the bar searching all over even behind the bar next to the register.
The bathrooms are empty and it's closing time. I have no idea where he went.. Did he leave with some one or was he was abducted possibly, either way i am completely dead if my supervisor finds out about this. I have to find him and the equipment. And who the hell was that girl, could she have something to do with this? I need answers. Oh no. I just realized, my laptop is also missing. If that information gets in the wrong hands. It could have catastrophic consequences…...
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I'm an Undercover FBI Agent on the Deep Web.

Part one
My name is Special Agent “Barry Allen” . (Not my real name of course) It's actually my code name. Given to me by my colleagues. You may recognize this name from the comic book character “The Flash”. I was given this name due to my quickness to obtain IP addresses , bypass firewalls and hack into certain deep web sites and shut them down. That is my area of expertise.
However, I've also been assigned to a Joint Task Force before which tracked and arrested drug runners, firearms dealers and human trafficking rings. Believe it or not. The federal government is everywhere. Social media, Reddit, YouTube. You name it. We have our guys on it. We monitor everything. That being said, the FBI only has jurisdiction to operate within the borders of the United States.
In this new digital age we find ourselves living, Cybercrime is much more of a direct threat. Now more than ever…
Yes in the past we feared as a nation, biological and chemical warfare. As an example, right after 9/11 the United States had an Anthrax attack. In the FBI, it was known as “Amerithrax” Letters were mailed containing anthrax spores to several news media offices and to Democratic Senators Tom Daschle and Patrick Leahy, killing 5 people and infecting 17 others. Once the victim opened the letters they would immediately be exposed to the spores. Inhaling them is the most deadly form of the attacks. And it quickly destroys your immune and respiratory system's.Back then there were no known cures and it was difficult to treat as the symptoms often times confused doctors. The death rate once exposed was nearly 95% .No one was ever officially arrested or tried as the primary suspect for this horrific crime. If you ask me though, the scariest part of this investigation is where it led us….To a lab on an Army base. Essentially the US Army was weaponizing Anthrax using independent scientists specializing in microbiological warfare.
Of course though, if you wanted to bring down Western Civilization today , all you'd have to do is manipulate or destroy our satellites and we would be back in the dark ages. Computers, banks , grocery stores and cell phones, power plants, even the water filtration system runs with electronics and the ability to communicate with satellites.
Essentially, our world now depends on this. It's scary to think about. Especially when 14 year olds are hacking into the largest banks in the world from their mother's basement. Somehow they are able to bypass the best security systems we know of. (I personally believe they are using password skimmers) We joke in my department that in order to work for us, you simply only need to be smarter than a teenager.
My background is in IT while in the military. While serving i also obtained several certifications and degrees in my field..
I worked alongside someone i never thought i would. Turns out the federal government often times hires former hackers to “consult” for them. In fact they have an army of internet soldiers at their disposal. I was actually trained by a convicted felon. It's been said he is one of the best hackers in the world. Eventually i was put in contact with men in the FBI. Essentially went through a series of rigorous “tests” to determine my operating field of work. After seeing our skills, they then placed myself and the felon on the Cyber Anti-Terrorism unit (or CAT as we call it) .
Our first assignment was to locate a man on the Deep Web known only as “Captain Death” He runs this anonymous site in which the viewers would donate bitcoin to watch unspeakable acts of torture, mutilation and murder. Often times called “Red Rooms”. After searching for a while, clicking on every single link given to us, we found the exact link which directed us to the host site.We visited the website. For a moment the page was completely black. So we waited a few moments. Suddenly a bright red colored text appears across the top of the screen. “Welcome! To the house of pain, tonight's events will commence in 2 minutes. Enjoy” Looking over at my colleague, Jeff begins penetrating the sites security systems attempting to find the IP address of the hosts location. Viewing the site still with my eyes locked onto the screen. Using my laptop separate from Jeffs. The monitor goes black, Then a video attempts to load. Buffering now for several minutes. “Any luck Jeff”? I ask. “I'm searching for a weakness in the security firewall. Give me a minute” he responds. Frustrated i say, “We may not have a minute” Using access control, Jeff was able to find and manipulate the users login information bringing down the video before the it began. Believe it or not. One of the weakest points to a website can often times be it's login feature. Jeff found a vulnerability in the source codes software and exploited it. Still haven't found the guy. As that process is much more difficult. For now, we can rest a little bit easier knowing his account is compromised.
The best hack is when you can invade a security system and not ever be noticed. This was not one of those instances. “Who are you” appears on Jeff's computer screen. He responds quickly “The Dark Knight” in bold green text as he looks over the offenders account. Attempting to track down banking information. Recent transactions. Even bitcoin exchange.
Searching over the vast amount of data pouring into the site. Seems they have gone through great lengths to keep themselves hidden from the public. The Identity of the perp is still unknown. Patting Jeff on the shoulder i thank him for saving my eyes from witnessing god only knows what. I suppose for now it's a small victory. “Let's take a break Jeff” I urge. Shutting down our laptops we exit the dark cold room we sat in with monitors, computers, servers and many other electronic components all around us. One thing to remember, heat is the enemy of electronics. and for some strange reason, we enjoy freezing our asses off while hacking.
Walking outside Jeff lights up a cigarette and takes a drag. Putting on his sunglasses “Want one?” He asks “No thanks, they really break my concentration, I don't seem to function well with that in my system” i reply… he scoffs and quietly whispers (amateur) while choking and coughing. I smile and look up “Yeah well at least I can breathe” I say laughing. (A smile forming on ny face) We begin walking to a nearby restaurant. My phone lights up and rings loudly. It's my supervisor. “Go for Barry” I speak confidently. My boss is breathing heavily into the phone and says sternly “What's the News on Captain Death”? I begin to inform him on our progress and our struggles. “Keep me posted Barry, good work.” He says. (Not telling him Jeff did most of the work, i feel bad for taking credit for this one)
Reaching the doors of the bar and grill, I notice a man sitting in the corner of the restaurant with his family. Jumping back quickly while peering around the corner. Jeff gives me a strange look as I inform him that man is a fugitive from an earlier investigation. I call in for back up and sit back in our unmarked unit waiting for the Cavalry to arrive as he is armed and extremely dangerous. 15 minutes pass as back up swarms the parking lot. We exit the vehicle and surround the building. Rushing in 12 men strong, guns drawn we make the arrest. Fortunately, he did not resist. No civilians were harmed on the takedown.This man has been on the run for months moving from state to state. I had previously set up a sting operation to illegally buy stolen guns from the man which had been arranged through the deep web. However , this particular sting was an in-person arms deal. He appeared very spooked and got away from us before the transaction was made. After searching his panel van today we found an entire armory of weapons. A few days pass and we now have a search warrant issued by the judge for his last known address. Confiscating all of his computers, hard drives and weapons. My partner and I found a hidden room below the living room floor boards with $1.4 million dollars in it. It also had passports and other documents. He was ready to flee the country for sure. Why he was out in public is beyond me. Though often times, men like him feel they are untouchable and above the law.
It's several weeks later and work has been slow. (Not sure if that is good or bad) Until today that is, I began chatting on forums and meeting interesting characters in chat rooms. On the clear net and deep web. Today I met a dark shadowy figure online. He claims to have worked with a group of hackers who specializes in debit and credit card theft online. (Playing the part ask in a private chat) “How much does this pay?” Moments pass with no answer. I sit and wait for a response. A message appears with a link and a phone number. “Contact him for a trial run, if you do well. He'll set you up with further work” he writes. (Thinking for a moment, finally an adversary worth hunting) Typing quickly I say “Who is he, do you know him personally”? He responds rapidly and the text box closes after he writes “Rule number one, no names!” Fortunately I was able to copy the link and phone number before my computer screen went completely blank.
Reaching for the burner phone i recently acquired i begin dialing the number provided. It rings several times. No answer. So i check out the link i copied. Right before i click on it. My phone lights up and rings beside me forcing me to jump out of my seat. Startled i look at the cell phone. Mildly confused as it reads 'unknown number’. Quickly i answer the phone. A man on the other end speaks. “How did you find this number”? he asks. I inform him i was searching online for a while. Im new and im looking for work. “I was told you're the man to call if i wanted some action, i need the money” i implore. “Competition is next week, meet at this address, winner gets a spot on my team, if you think you're up for the test, be on time” he demands. I thank him and abruptly hang up.
Jeff comes over to my place. He has some info on low level guys in the fraudulent/stolen debit card scheme. Using an unmarked and totally not suspicious surveillance van. We follow a few men on their day to day operations. For the most part, this portion of our job is the worst. Very daunting and boring. Sitting and waiting isn't exactly glamourous as the movies depict it to be.
From what we can tell so far these men are using credit card skimmers. Victims of credit card skimming are completely blindsided by the theft. They notice fraudulent charges on their accounts or money withdrawn from their accounts, but their credit and debit cards never left their possession. How did the theft happen?
You may be wondering, what exactly is this? Credit card skimming is a type of credit card theft where crooks use a small device to steal credit card information in an otherwise legitimate credit or debit card transaction. When a credit or debit card is swiped through a skimmer, the device captures and stores all the details stored in the card's magnetic stripe. The stripe contains the credit card number and expiration date and the credit card holder's full name. Thieves use the stolen data to make fraudulent charges either online or with a counterfeit credit card.
These men have been using these small devices all over the local area and surrounding states as well. Targeting the nicer areas of town. Attaching the devices to the ATMs. Sitting a short distance away in their cars watching each victim approaching. Laughing all the way to the bank...so to speak. After several days of stake-outs. Out team makes the arrests. Finding blank cards, machines and large sums of cash on hand. After hours of interrogations we learn a much bigger scheme is in the works. The men inform us that they were merely a distraction for a much larger crime. My supervisor gives us clearance to make a deal with them. Lessening their charges if they are willing to cooperate. Speaking with the men for 3 more hours we learn what's really going on. The next few days are extremely tense as our offices try to warn all the banks and even get the media involved.
Calling every bank, big and small we alert them of the situation that cybercriminals are poised to carry out an “ATM cash-out,” an operation that gives thieves access to untold sums of money by bypassing security measures on an ATM. If successful, the operation has the potential to be a heist unlike any we’ve ever seen.
The FBI has obtained unspecified reporting indicating cyber criminals are planning to conduct a global Automated Teller Machine (ATM) cash-out scheme in the coming days, likely associated with an unknown card issuer breach and commonly referred to as an ‘unlimited operation‘.
These unlimited operations compromise financial institutions or payment processors by installing malware that allows hackers to exploit network access, allowing admin-level access. Once inside, they can disable fraud protection, raise maximum ATM withdrawal amounts (and transaction limits) and withdraw large sums of money. Millions, potentially.
All they’ll need to carry out the attack are debit and credit card numbers found on the dark web, and dummy cards, also known as “blanks,” to attach the numbers to.
The cyber criminals typically create fraudulent copies of legitimate cards by sending stolen card data to co-conspirators who imprint the data on reusable magnetic strip cards, such as gift cards purchased at retail stores. At a pre-determined time, the co-conspirators withdraw account funds from ATMs using these cards.
It's nearly a week later and im preparing for my tests. I have my laptop ready in its case. Im extremely nervous.The information given to me is that i am to meet at this very strange building on the outskirts of town. I have no idea what to expect. I must come in first place to become a member of the team and ultimately take down the leader of this cybercrime domestic terrorist.
If things go according to his plan.He could potentially put the entire country on its knees and our banking systems would completely collapse.Chaos and madness will spread like wildfires. Millions of people unable to access their money will riot and destroy stores. Stealing food and everything they can get their hands on. The police will be overrun and unable to do anything about it. The military would most certainly be called in an attempt to regain order. Mass hysteria ensues. To the extremes we have never seen before. I must stop him. Before its too late….
Part 2
The day has come and I just received the call I've long avoided. It is time. The competition for top tier hackers are meeting at this building in which i believed to have been abandoned. We are in the surveillance van. Heading towards our destination. Our equipment is all packed up. Wearing a wire on my chest. (Hopefully they don't pat me down upon entry) Jeff is driving recklessly, as he has a bad habit of being late. Testing the audio in the back of the van. Generally this is done days before an operation. However, we are rather short on time. (Not pointing any fingers)
Leaving the city limits, we now enter a heavily wooded area. There is only one way in. The road is turning into rubble. Small rocks are shooting from our tires .Lights are fading behind us as we venture further into the forest. Jeff now using high beams. We notice it's grown quiet. Other than hearing the tires on the gravel road. There seems to be less and less wildlife in the area. I got this feeling like we are being watched.
Checking my cell phone, we have lost all signal. (Is this a trap)? i thought . Our other equipment seems to work just fine. I can begin to see dim lights in the distance. We must be nearing the competition. “You ready for this?” (Jeff asks while blowing smoke out the window) I start to swat the backdraft of the smoke billowing back into my window. “Yeah, I'm ready, you should really consider cutting back on the smokes.” I utter. Just then, a pack of Marlboros are hurled in my direction. “We're here , Barry. Make sure you have everything.” (Jeff commands) “I'm all set.” I reply.
Jeff stops the Van on the gravel. Exiting the vehicle, i grab my backpack while adjusting my clothes. (I found some glasses with regular lens in them, so as to ‘look the part’) Walking towards the building i speak quietly into my chest microphone. “Test, test chest mic, how do you read me” i ask. (Jeffs growly voice comes into my earpiece) “Loud and clear, good luck” he responds.
One odd thing i notice right away as my feet kick up against the rocks on the ground is that there is only one vehicle other than ours. A large bus. Slightly confused, i look in every direction while also investigating the bus. Seems as though it's empty. (Later i would learn everyone else met up at a different location and they all took the bus to get here).
Reaching the suspicious looking building, i reach for the door handle. As the door opens with little force, loud music hits me as well as bright flashing lights. What the hell? Walking around i find what i was looking for in a back room. “You're late , take your seat.” a well dressed man says (Seeing one empty seat left) Grabbing my laptop from the bag. Booting it up and joining the their local area network. Connection established. A strange software automatically downloads on my laptop.
The man who greeted me walks over to examine my screen. “We will wait until this participant is ready” (he tells everyone else) Minutes pass and the program has finished installing. What's on my screen is a D O D login showing the user name and password empty fields. “Ok everyone, your first task will be to crack the code and gain entry into this system. You have ten minutes to access the servers and find the login information. The first 10 people who accomplish this task will advance to the next round, good luck, your time starts now!” he explained.
A voice come over my earpiece once more .“Ok Barry, i'm linked up with your laptop, i can see everything you see. I will now control everything remotely. How do you read”? Jeff says quietly. “I hear you, I'll let you take over from here.” I reply. My colleague begins typing away like mad. It's been said he can type up to 153 words per minute. Looking at my screen, the computer is changing rapidly, each window appearing with different streams of code. (Almost like what you seen in the movie The Matrix) Which i suppose is a foreign language to most people. It can seem overwhelming at times. Normally. I would be doing this.
Jeff is far better and faster than i. It's not worth the risk. This task is far too important. There is much at stake here. As he continues going in through the firewall. More boxes open and close all over the screen. I appear as if im typing away. As there is a man walking around watching each potential hacker perform their duties. Not sure if it's the leader of this anonymous group. He is in a dark suit and all i can see is the flashes of light from each monitor.
Maybe it's just my paranoia but i feel like he keeps shooting me these awfully suspicious looks. Have to stay focused. Come on Barry. You need this. Concentrate! Keep your head in the game. I can't lose myself in the moment. Oh wait a minute, i just now remembered. I'm not even in control of my machine. Jeff, i sure as hell hope you know what you're doing…
“Barry, you DO know i just heard everything you said, right? Now shut the hell up and let me work. We only have 4 minutes left!!” Jeff urges. “Well then hurry up you lung cancer having prick, I'm dying in here. Must be 90 degrees” i whisper. Just then (Access granted) appears on my screen. The login information has been hacked. Instantly i jump up as if I've just won in BINGO. “I'm in!!!” I yell loudly to the man. He nods and another man comes over to confirm the legitimacy of my claim.
After confirmation is given a few moments later. Myself and several others are ushered to another room not first seen when you enter the building. First we are taken down a flight of unkempt stairs creaking and groaning with every step. Feeling as it could give out at any moment. Our group reaches the bottom of the stairs and are now on a platform. A mechanical whirring is heard as we now are being lowered even further underground. “Where the hell are we going”? One man asks in fear. “Silence fool”!! (Says the man in a nice dark suit) Finally the platform stops as i would approximate we are at least 80 feet underground.
A long dark hallway is before us. Lit dimly by low hanging lights. Which never seem to end as far as we can see. Walking for several minutes i no longer hear my associate in my ear piece. So i remove it quickly before anyone notices. There is a musty smell that has disturbed me immediately coming down here. It grows stronger the closer we get to the direction we are headed. Im last in line only in front of what i assess is a hired goon.
Stopping for a moment im pushed forward on my upper back near my shoulders. (I swear if i wasn't trying to save the world right now, I'd just take out my service pistol and blow this cocksucker away. No one would miss him) We reach a large old wooden door with absolutely no handle or markings of any kind. The leader pushes up against the wall near the door and it opens slowly. Everyone pours in single file line. There is a large wooden table with chairs almost like a conference room. “Take your seats please” the leader addresses. “You're all probably wondering what the hell we are doing down here, well you're here for a job. Also i didn't want any interference of any kind. Just in case the government is watching us. There's no way they could possibly hear what's being said this far underground.” He explains.
“Congratulations to each of you that has moved on to the next round. You 10 have been chosen to advance to the next stage in the competition. This following task will include various stages of difficulty. You will be chosen at random by a computer so it's completely fair. Each of you are to hack into some the world's largest banks and bring down their servers. Please come back to this location. Your names have been taken down and we shall contact you if anything changes. I expect to see all of you back with us .Same time next week. 6 days from now. That is all for now, thank you.”
The leader finishes and leaves the room first. Each man muttering and chatting loudly. I can hear only bits and pieces as everyone is talking loudly. Minutes pass and we are escorted out of the building. Everyone begins walking towards the bus. I veer towards my van and am stopped by the same man who pushed me earlier. “Just where the hell do you think you're going”? He asks. “Oh i didn't get the meet up spot, i had to drive here.” I respond while swatting away his hand from my shoulder. The man reaches in his pocket pulling out a card. “Be at this location and be on time or we will find someone else” the man urges. I snatch the card and stuff it into my wallet.
Reaching the van, i hop in and drive away. “What the hell happened in there”? Jeff demands. I begin informing him of everything that took place and explained the situation. He nods and tells me good work. Wait a minute, this doesn't look right. Jeff looks at me puzzled. Something is off. I don't remember any of this. Now there's a fork in the road. Is this the way we came? I thought i remembered it being only a one way in and one way out. “You went off the gravel road, move over,let me drive.” Jeff says. Hey sorry man, I'm a hacker. Not a tracker. Just get us the hell out of here. I'm more lost than Atlantis.
About an hour passes and Jeff somehow gets us out of the woods and back to the main road. We head back towards my house. But suddenly he makes a detour. “Screw this man. After all that i need a damn drink. You down”? Jeff asks. “Well in the words of my father, If you have time to think, you have time to drink” i utter proudly. (Then again dad was a major alcoholic, so perhaps that's bad advice) “Well alright then” jeff says as he floors the gas pedal.
Roughly 20 minutes later we arrive at his favourite bar where he immediately opens up a tab. I'm worried as I've heard he drinks like a fish. Not to mention we are both armed in a bar. (Yes that's illegal but screw you i am F B I. Remember folks, laws are made to be broken, otherwise, I'd be out of a job)
Crap i think i have lost my colleague. I begin walking around the establishment and am stunned to see this gorgeous blonde woman cross my path. We strike up a conversation and i soon forget about Jeff. (Meh oh well he is a grown man, i am sure he will be fine) She asks what i do for work and of course i lie. Never know when you need to run a background check on someone. Besides telling the whole world you're an undercover FBI agent isn't exactly the best idea. Or so the Bureau instructed us.
We continue chatting for a while and eventually part ways as it began to get late into the night we exchange numbers and she leaves gracefully. I walk outside to see the van still parked in the same spot. A bit puzzled i go over to inspect the van thinking maybe he just passed out in the front seat. I arrive at the driver's side door and open it to find all of our equipment gone and jeff is nowhere to be found. Freaking out i run back into the bar searching all over even behind the bar next to the register.
The bathrooms are empty and it's closing time. I have no idea where he went.. Did he leave with some one or was he was abducted possibly, either way i am completely dead if my supervisor finds out about this. I have to find him and the equipment. And who the hell was that girl, could she have something to do with this? I need answers. Oh no. I just realized, my laptop is also missing. If that information gets in the wrong hands. It could have catastrophic consequences…...
submitted by BeardedVeteran to mrcreeps [link] [comments]

My experience with the faa.st API and why you should probably avoid it.

A little over a year ago I discovered faast a new crypto swapping website from bitaccess, the folks that run a bunch of bitcoin ATMs. I tried it and I was very impressed with the selection of pairs and the speed of the swaps, but the fees felt a little high for me.
I stumbled on their API and in hopes I might be able to save myself some coin and maybe even earn some coin by integrating it into some projects I had gestating for awhile, I decided to sign up as an affiliate and build some test cases that utilized their API under conditions that simulate the real world as much as possible.
Because their sandbox was so limited I used their live endpoints for testing, creating 439 swaps and completing 43 of them over the course of a few months.
1 in 10 felt like a good number for completions, but I noticed the API would return 500 errors, mostly 503's if there were more than a couple of outstanding swaps. This could be an issue if integrated in an app that got popular because the app would need to call the endpoint for each unique user, but the API provides no way to distinguish new user, new swap vs existing user new swap. Ergo an API that silently limits the number of outstanding swaps, or having it throw an error would create a lot of issues for an end user of any app built on top if the app saw any real world usage at all.
After a few months of working with it, I realized it will probably never be reliable enough to work under real world loads so I abandoned it. But because I had completed 43 swaps I did leave some commissions on the table to the tune of 0.013 BTC about $50 ~ $65 at the time.
Last month while assessing my crypto positions I noticed the value of that position had climbed and realized it would be a shame to leave $100 on the table, but their affiliate system will not allow you to withdraw any commissions unless they exceed 0.015 BTC. So I decided to just do a few more big swaps to get my commission up to the minimum so I could get it off the table.
One of my swaps returned a USDC endpoint instead of TUSD, my code was not prepared for that and sent funds.
Once I realized what happened, I freaked out, but I was impressed with customer service's ability to deal with the situation quickly and in a professional manner.
Nevertheless I was left wondering why did the API return USDC on TUSD? Maybe a bug in my code, maybe a bug in theirs, I honestly don't know, but it spooked me and I decided to just get my money out as quickly as possible, so I performed more swaps in an effort to finally reach the minimum withdrawal amount.
After finally getting it up to the threshold, I initiated a withdrawal and I waited. Then I waited some more, then I waited some more.
Finally after 24hrs I decided to send an email to figure out where my money went.
I got passed from person to person, until Moe Adham finally responded.
I've been dealing with them for 3 days now. I've explained myself repeatedly, my potential use cases and the fact that I never built an app, but only some unit tests. I have yet to receive my money.
Here's the truth people. They do have an easy to use API. My experience is that it has been flaky and unreliable, when put into test cases meant to simulate reasonable use, but on the plus side it hasn't had major changes over the year and some of the flakiness might be due to a misconfigured proxy.
What concerns me the most is that they do ex-post facto reviews on apps prior to paying any earned commissions. I could understand this if the purpose were to see if the commissions were legitimately earned or not. But that's not the case here. All of my swaps initiated from the same IP address range and out of 43 swaps there were only 5 or 6 unique addresses, all of which I'm in control of.
So what faast is doing right now really does have all the hallmarks of a classic stall tactic.
First off, there are no questions about use cases asked before signup, and no approval or review process upfront. So why is there one on the backend AFTER commissions are earned, owed and payment expected?
Secondly, this review wasn't some sort of automated trigger caused by my first activity. It was only when trying to exit the platform that I started to get the third degree and it wasn't even my exit that triggered it. To get even this far in the process, it took me sending an email asking where the money went that I got any response at all. Had I not reached out to them, I doubt I would have heard anything back from them at all.
The experience hasn't all been bad and the company seems legit. faast is owned by the bitcoin ATM company bitaccess and as a result I don't think they are going away any time soon. Furthermore they are in fact responsive to emails which is more than I can say for most exchanges. And as I mentioned I had one swap go awry and they did handle it professionally rather than tell me "to bad, so sad, sux to be you" like a lot of exchanges do.
However if you are a developer and looking at their API with hopes of integrating it into anything I'd advise extreme caution.
  1. The API gets flaky under real world loads. The sandbox is severely limited.
  2. The required commission amount is higher than you could expect to earn in a reasonable time frame of a month to a quarter. Even setting my commission rate to the max of 5% in order to ensure I get to the threshold as quickly as possible, it took nearly a year to get there.
  3. They don't appear to be in a position to pay any commissions you would have otherwise earned. At least not without a lot of hassle. Nothing automated there.
  4. The ex-post facto review process seems to be put in place specifically to limit their need to payout.
    1. Their affiliate agreement which Moe was quick to point to, says they don't actually need to pay you the commissions you've earned. Should they, in their sole discretion decide not to pay up, then they owe you nothing.
As result I'd advise aspiring developers to look elsewhere.
If they do by some chance decide to pay me, I'll update this thread and let you know. But I know for my part at least, this is my exit and a warning to others to avoid faast .
Imagine putting in all the effort to develop a real world app, market it, build a user base and when it comes time to collect your earnings, you find out they aren't actually obligated to pay, don't want to pay and suddenly have "questions" about your app's usage of their API.
Imagine a review process where you are left trying to explain very simple concepts like unit testing to their ops manager Moe who appears to not understand the software development lifecycle nor why anyone would want to do unit and integration testing; Instead of intuitively understanding that test cases are required for any serious software he decides to call it spammy and abusive to have a 10% completion rate on swaps. I mean really, if this is a concern why are they not monitoring the endpoints and sending an email asking what's going on, during the actual development cycle? Why is it an issue only AFTER I ask for my money?
I don't know what's going on over there. But I'm writing off 0.015 BTC because I know its not likely to ever be returned. YMMV, but as for me, I felt I should give a review and advise caution.
Has anyone else had similar problems?
submitted by Creative_Helicopter to ethdev [link] [comments]

CryptOcean Project News Digest

CryptOcean Project News Digest
https://preview.redd.it/ii9979gex1241.jpg?width=1200&format=pjpg&auto=webp&s=faed0abb9f7ce52ea6017117c216a41e279affde
Dear friends! During November, many important for the CryptOcean project events took place, which we present to you in our digest.

MultiPass Resource Launch

The most important stage for the development of the entire CryptOcean ecosystem — MultiPass has reached the finish line! Already in December, each user of CryptOcean services can take advantage of the unique opportunity of quick one-click verification thankfully to the MultiPass solution.
In the near future, an entry for testing the service will be open.

Integration of CRON and Ethereum coins in my.bitchange.online service

As previously announced, the CRON coin was integrated into my.bitchange.online service. Now users have the opportunity to exchange cryptocurrencies for fiat and deposit/withdraw funds in the service using Bitcoin, Ethereum and CRON. In the near future, we also plan to connect other popular cryptocurrencies to the service.

Final CryptOcean Mobile Wallet Testing

Using all CryptOcean services and carrying out any operations with a CRON coin has become even easier! The CryptOcean mobile application for the Android and IOS operating systems is already undergoing the final testing stage and will be available for download on the Play Market and App Store by the end of 2019.

Listing of the CRON coin on the Velvet exchange

In November, Velvet Exchange listed CRON coins.
Currently, there are CRON/USD and CRON/EUR trading pairs available on the exchange.
Velvet Exchange is a licensed regulated digital platform that provides its customers with all the tools and functions for trading — a liquid platform with low commissions, on which a huge domestic sector is built to expand business opportunities and connections. The Velvet Cryptocurrency Exchange includes a legally licensed exchange of cryptocurrencies for fiat and a virtual currency wallet service in Estonia. In addition, Velvet Exchange has a multi-purpose Stored Value Facilities (SVF) license in Singapore (similar to EMI in Europe) and may provide other related financial services in the Asian region.
Velvet uses low fees for deposit/withdraw and trading: both companies and private traders can deposit euros with a commission of 0% and withdraw with a commission of 0.5% + 5 EUR. At the same time, the commission fee decreases as trading volumes increase and can decrease to 0% for the producer and 0.001% for the buyer.

First CryptOcean Cryptocards Transactions

The first lucky ones participating in the CryptOcean test program have already received a limited series of plastic cards and pay with them in stores, on the Internet and even withdraw cash from ATMs! We successfully tested the CryptOcean card and appreciated all its advantages, so did our Asian clients at a conference in Malaysia. Until December 2, we plan to launch mass issues of cards, as well as finalize an algorithm that will allow CryptOcean users to directly issue a card from Bitchange’s personal wallet, replenish its balance and perform any other service operations.
You can pre-order the CryptOcean card here: https://preorder.cryptocean.io

Presentation of the CRON.VPN Product

Now you do not need to worry that when working in public networks (cafes, airports, hotels) the privacy of your data will be at risk. CRON.VPN is a service developed by CryptOcean experts based on the WireGuard solution, which ensures the security of data transfer when working on any network by providing the user with a secure VPN connection through our own servers in the UK.
For CRON.VPN to work, it’s enough to have a wallet with a CRON coin, a Telegram messenger and an installed WireGuard software package on each of the devices. There is a simple partner program provided for all users, which allows you to earn up to 33% of all referral payments directly to your CRON wallet. You can get more information about CRON.VPN here: https://t.me/@CronVpnBot

The first exchanges on our own cryptocurrency exchange

As we promised, the first applied traders were able to use the beta functionality of our cryptocurrency exchange. Based on the results of the first test exchanges, it was decided to expand the functionality of the exchange for the end-user. The final version of the CryptOcean exchange with public access will be available at the end of January 2020.

Opening of the CRON GLOBAL subsidiary office in Minsk (Belarus)

This month, the company CRON GLOBAL LLC was registered and an additional office was opened in the city of Minsk (Belarus). After legal and other formalities are completed, we plan to expand the technical support staff. Currently, we need the following specialists in Minsk:
- System Administrator;
- Technical support service specialists (with knowledge of English/German or Chinese);
- Call center specialists (with knowledge of English/German or Chinese);
You can send your resume to us by e-mail: [email protected]

Announcement of European and Asian CryptOcean conferences

In the very first decade of December, we will prepare for you a press release with a description of new CryptOcean products, as well as prepare a program for announcements of new conferences of the CryptOcean project in Europe and Southeast Asia in December 2019.
Together we will make the digital world more comfortable!
Yours respectfully,
CryptOcean Team
submitted by CryptOcean_official to u/CryptOcean_official [link] [comments]

CryptOcean Project News Digest

CryptOcean Project News Digest

https://preview.redd.it/h02vegtfy1241.jpg?width=1200&format=pjpg&auto=webp&s=d9fcc317ec9b2d9386bc83cd3a2104cd95d69799
Dear friends! During November, many important for the CryptOcean project events took place, which we present to you in our digest.

MultiPass Resource Launch

The most important stage for the development of the entire CryptOcean ecosystem — MultiPass has reached the finish line! Already in December, each user of CryptOcean services can take advantage of the unique opportunity of quick one-click verification thankfully to the MultiPass solution.
In the near future, an entry for testing the service will be open.

Integration of CRON and Ethereum coins in my.bitchange.online service

As previously announced, the CRON coin was integrated into my.bitchange.online service. Now users have the opportunity to exchange cryptocurrencies for fiat and deposit/withdraw funds in the service using Bitcoin, Ethereum and CRON. In the near future, we also plan to connect other popular cryptocurrencies to the service.

Final CryptOcean Mobile Wallet Testing

Using all CryptOcean services and carrying out any operations with a CRON coin has become even easier! The CryptOcean mobile application for the Android and IOS operating systems is already undergoing the final testing stage and will be available for download on the Play Market and App Store by the end of 2019.

Listing of the CRON coin on the Velvet exchange

In November, Velvet Exchange listed CRON coins.
Currently, there are CRON/USD and CRON/EUR trading pairs available on the exchange.
Velvet Exchange is a licensed regulated digital platform that provides its customers with all the tools and functions for trading — a liquid platform with low commissions, on which a huge domestic sector is built to expand business opportunities and connections. The Velvet Cryptocurrency Exchange includes a legally licensed exchange of cryptocurrencies for fiat and a virtual currency wallet service in Estonia. In addition, Velvet Exchange has a multi-purpose Stored Value Facilities (SVF) license in Singapore (similar to EMI in Europe) and may provide other related financial services in the Asian region.
Velvet uses low fees for deposit/withdraw and trading: both companies and private traders can deposit euros with a commission of 0% and withdraw with a commission of 0.5% + 5 EUR. At the same time, the commission fee decreases as trading volumes increase and can decrease to 0% for the producer and 0.001% for the buyer.

First CryptOcean Cryptocards Transactions

The first lucky ones participating in the CryptOcean test program have already received a limited series of plastic cards and pay with them in stores, on the Internet and even withdraw cash from ATMs! We successfully tested the CryptOcean card and appreciated all its advantages, so did our Asian clients at a conference in Malaysia. Until December 2, we plan to launch mass issues of cards, as well as finalize an algorithm that will allow CryptOcean users to directly issue a card from Bitchange’s personal wallet, replenish its balance and perform any other service operations.
You can pre-order the CryptOcean card here: https://preorder.cryptocean.io

Presentation of the CRON.VPN Product

Now you do not need to worry that when working in public networks (cafes, airports, hotels) the privacy of your data will be at risk. CRON.VPN is a service developed by CryptOcean experts based on the WireGuard solution, which ensures the security of data transfer when working on any network by providing the user with a secure VPN connection through our own servers in the UK.
For CRON.VPN to work, it’s enough to have a wallet with a CRON coin, a Telegram messenger and an installed WireGuard software package on each of the devices. There is a simple partner program provided for all users, which allows you to earn up to 33% of all referral payments directly to your CRON wallet. You can get more information about CRON.VPN here: https://t.me/@CronVpnBot

The first exchanges on our own cryptocurrency exchange

As we promised, the first applied traders were able to use the beta functionality of our cryptocurrency exchange. Based on the results of the first test exchanges, it was decided to expand the functionality of the exchange for the end-user. The final version of the CryptOcean exchange with public access will be available at the end of January 2020.

Opening of the CRON GLOBAL subsidiary office in Minsk (Belarus)

This month, the company CRON GLOBAL LLC was registered and an additional office was opened in the city of Minsk (Belarus). After legal and other formalities are completed, we plan to expand the technical support staff. Currently, we need the following specialists in Minsk:
- System Administrator;
- Technical support service specialists (with knowledge of English/German or Chinese);
- Call center specialists (with knowledge of English/German or Chinese);
You can send your resume to us by e-mail: [email protected]

Announcement of European and Asian CryptOcean conferences

In the very first decade of December, we will prepare for you a press release with a description of new CryptOcean products, as well as prepare a program for announcements of new conferences of the CryptOcean project in Europe and Southeast Asia in December 2019.
Together we will make the digital world more comfortable!
Yours respectfully,
CryptOcean Team
submitted by CryptOcean_official to Cryptocean [link] [comments]

Where to buy and withdraw bitcoin instantly?

I have coinbase and gemini, but there are really long wating periods before you can withdraw. Is there currently a good way to buy AND be able to withdraw bitcoin instantly? I dont live near an atm
submitted by python_noob_001 to Bitcoin [link] [comments]

CryptOcean Project News Digest

CryptOcean Project News Digest
CryptOcean Project News Digest
Dear friends! During November, many important for the CryptOcean project events took place, which we present to you in our digest.

MultiPass Resource Launch

The most important stage for the development of the entire CryptOcean ecosystem — MultiPass has reached the finish line! Already in December, each user of CryptOcean services can take advantage of the unique opportunity of quick one-click verification thankfully to the MultiPass solution.
In the near future, an entry for testing the service will be open.

Integration of CRON and Ethereum coins in my.bitchange.online service

As previously announced, the CRON coin was integrated into my.bitchange.online service. Now users have the opportunity to exchange cryptocurrencies for fiat and deposit/withdraw funds in the service using Bitcoin, Ethereum and CRON. In the near future, we also plan to connect other popular cryptocurrencies to the service.

Final CryptOcean Mobile Wallet Testing

Using all CryptOcean services and carrying out any operations with a CRON coin has become even easier! The CryptOcean mobile application for the Android and IOS operating systems is already undergoing the final testing stage and will be available for download on the Play Market and App Store by the end of 2019.

Listing of the CRON coin on the Velvet exchange

In November, Velvet Exchange listed CRON coins.
Currently, there are CRON/USD and CRON/EUR trading pairs available on the exchange.
Velvet Exchange is a licensed regulated digital platform that provides its customers with all the tools and functions for trading — a liquid platform with low commissions, on which a huge domestic sector is built to expand business opportunities and connections. The Velvet Cryptocurrency Exchange includes a legally licensed exchange of cryptocurrencies for fiat and a virtual currency wallet service in Estonia. In addition, Velvet Exchange has a multi-purpose Stored Value Facilities (SVF) license in Singapore (similar to EMI in Europe) and may provide other related financial services in the Asian region.
Velvet uses low fees for deposit/withdraw and trading: both companies and private traders can deposit euros with a commission of 0% and withdraw with a commission of 0.5% + 5 EUR. At the same time, the commission fee decreases as trading volumes increase and can decrease to 0% for the producer and 0.001% for the buyer.

First CryptOcean Cryptocards Transactions

The first lucky ones participating in the CryptOcean test program have already received a limited series of plastic cards and pay with them in stores, on the Internet and even withdraw cash from ATMs! We successfully tested the CryptOcean card and appreciated all its advantages, so did our Asian clients at a conference in Malaysia. Until December 2, we plan to launch mass issues of cards, as well as finalize an algorithm that will allow CryptOcean users to directly issue a card from Bitchange’s personal wallet, replenish its balance and perform any other service operations.
You can pre-order the CryptOcean card here: https://preorder.cryptocean.io

Presentation of the CRON.VPN Product

Now you do not need to worry that when working in public networks (cafes, airports, hotels) the privacy of your data will be at risk. CRON.VPN is a service developed by CryptOcean experts based on the WireGuard solution, which ensures the security of data transfer when working on any network by providing the user with a secure VPN connection through our own servers in the UK.
For CRON.VPN to work, it’s enough to have a wallet with a CRON coin, a Telegram messenger and an installed WireGuard software package on each of the devices. There is a simple partner program provided for all users, which allows you to earn up to 33% of all referral payments directly to your CRON wallet. You can get more information about CRON.VPN here: https://t.me/@CronVpnBot

The first exchanges on our own cryptocurrency exchange

As we promised, the first applied traders were able to use the beta functionality of our cryptocurrency exchange. Based on the results of the first test exchanges, it was decided to expand the functionality of the exchange for the end-user. The final version of the CryptOcean exchange with public access will be available at the end of January 2020.

Opening of the KRON GLOBAL subsidiary office in Minsk (Belarus)

This month, the company KRON GLOBAL LLC was registered and an additional office was opened in the city of Minsk (Belarus). After legal and other formalities are completed, we plan to expand the technical support staff. Currently, we need the following specialists in Minsk:
- System Administrator;
- Technical support service specialists (with knowledge of English/German or Chinese);
- Call center specialists (with knowledge of English/German or Chinese);
You can send your resume to us by e-mail: [email protected]

Announcement of European and Asian CryptOcean conferences

In the very first decade of December, we will prepare for you a press release with a description of new CryptOcean products, as well as prepare a program for announcements of new conferences of the CryptOcean project in Europe and Southeast Asia in December 2019.
Together we will make the digital world more comfortable!
Yours respectfully,
CryptOcean Team
submitted by TotalClub to Cryptocean [link] [comments]

I Dared My Best Friend to Ruin My Life - He's Succeeding

My name is Zander, and my best friend is trying to ruin my life. It started out very small, but has quickly grown out of control.
I'm currently sitting inside a church, using their WiFi to post this story and taking advantage of their air conditioning. I’m posting this story in case… Well in case he finds me and kills me soon. It's only a matter of time now, and I want someone to know what happened before I die.
Two years ago, my friend David and I were sitting on the couch at my house thoroughly bored. It wasn’t a temporary boredom either. It was a resounding boredom with life. We both worked full time at the local movie theater making minimum wage and cleaning up after idiots who couldn’t keep popcorn and soda in their mouths. We had graduated high school two years prior and had no plans to attend college.
Life looked bleak for us. College didn’t sound appealing, work was annoying, and the little free time we had was blown on video games and YouTube. We both still lived with our parents too, which made dating somewhat embarrassing. Looking back, I’m sure we were suffering from mild depression on top of everything else.
These life circumstances blended together to create the perfect storm for what I now have to call my reality.
As we sat on the couch at my parent’s house, channel surfing the TV, David asked me if I was bored with life. I responded in the positive, and he sighed.
“High school was so easy because we knew our purpose and our goals were set for us. Outline the english essay. Finish the math homework. Get decent grades. Pass the driving exam. Be home by curfew. Find a girlfriend. Now that we’re out of high school, there’s no structure. Our lives have become meaningless and we are just floating through space with no aim or purpose.”
“Would you go back to high school then?” I asked. He shook his head.
“In the moment, high school was annoying. It’s only after looking back that I see how much better it was than I realized.”
“What’s the solution, then?” I asked.
“Either go somewhere that has structure and can deliver what high school gave us, or create our own structure,” David replied.
“Well I don’t want to go to college or the military,” I said. “And I can’t think of anywhere else that provides the same structure. Guess I have to make my own, but I have no idea where to start.”
“The thing about high school was that it required a minimum effort. If you didn’t give that minimum effort, you would face the consequences. The consequences were bad enough that you and I would put effort into school. When high school ended, that minimum effort level decreased. Now our minimum effort is not enough to improve ourselves. Whatever structure we build has to have those consequences built in and a minimum effort that forces us to improve constantly.”
David was, and is, a very intellectual person. He thinks about everything, if you can’t already tell. I was pretty dumb compared to him, but I stuck around because he always had interesting things to say. This conversation definitely counted as interesting.
I won’t bore you with the entire conversation that we had, but it lasted an hour where we discussed how to build structure into our lives.
I want to emphasize here that boredom is dangerous. Well, it’s not dangerous by itself, but it can quickly lead to dangerous things. Boredom can lead to pain, accidental children, technology that disrupts a monopoly, and even death.
Our boredom led to a dare.
“I dare you to try and ruin my life,” David said.
“What does that mean?” I asked.
“It’s a way to build structure into my life. If I know that you are always trying to ruin my life and actively trying to make me fail, then I am driven to fight back and act on initiative.”
“But how could I ruin your life?” I asked.
“You could ruin anyone’s life if you gave it enough thought, planning, and action,” David said with a smirk. “I’m not going to give you any ideas. I just want you to try and ruin my life.”
I remember sitting back and thinking about what he meant. The first thoughts that came to mind were about tripping him occasionally, or hiding his toothbrush every time I went to his house. My young mind didn’t fully understand how serious David was being. His mind was running three tracks above mine, so I didn’t know what I was getting into when I said, “okay, I’ll try to ruin your life. But I dare you to do try and ruin my life as well.”
He smiled with a newfound enthusiasm, and I smiled back. I had hoped it would be a great way to relieve my boredom with life. David stood up and punched me in the leg as hard as he could. I shouted at him, mostly out of surprise. He just laughed.
“The dare starts now,” he said, grabbing his shoes. “We are no longer friends, we are nemeses.” He opened my front door and looked over his shoulder. “Good luck,” he said. “I hope you’ll work half as hard as I will.”
Once he left, I just sat there rubbing my sore thigh. Okay, I thought, if he wants a war, he’ll get a war.
That night, I had laid awake trying to think of ways to make his life harder for him. My ideas were all so childish and useless compared to what he would later throw at me. I’m too embarrassed to list my ideas from back then.
I wish I could say I remembered the day David turned against me for real. But it was so subtle that I didn’t notice right away. To my face, David acted completely normal.
While we were at work, I would sprinkle popcorn over a section he had just cleaned and point it out to him. He would just laugh, and say, “is that supposed to ruin my life?” Then he would clean it up. I expected him to do the same to me, but he didn't. His lack of visible retaliation made me bored again so I stopped. Looking back, I suspect that behind my back he was sabotaging my image with our other co-workers and our boss.
Out of the blue, my boss called me into his office and told me that I was fired because I wasn’t doing a good enough job. David acted sorry i was leaving and we promised to hang out again soon.
I left, thinking I could make this something good and get a real job. That dream died, and I ended up at McDonald’s instead.
After I had been at McDonald’s for a month or so, my parents confronted me. They asked me if I had been stealing cash from their wallets. I had never stolen a cent from them, and told them so. They backed off, but only for a week until my mom’s debit card went missing.
They confronted me again, this time very angry. They accused me of withdrawing several hundred dollars using my mom’s debit card. I have no siblings, so it wouldn't have been anyone else in the house. It turned into a screaming match and they demanded that I move out as quickly as possible. With my small cache of savings, I found an apartment near the local community college that housed college students. The rent was affordable enough for me, so I moved out within the month.
I moved in and became instant friends with two of my roommates, Clark and Ivan. Our other roommate, Isaac, kept to himself and stayed in his room playing video games 24/7. Life got good again because I hung out with Clark and Ivan frequently.
David and I had stopped hanging out after I was fired from the movie theater. I hadn’t forgotten about him, but I had forgotten about the dare. Every once in a while, I would message him on Facebook or shoot him a text to ask if he wanted to hang out, but my messages were always ignored. Eventually I gave up.
Within six months, I had a great life going. I was dating a girl named Katie, I had been promoted to crew trainer at McDonald’s, which paid better, and my bank account was slowly growing.
I only recognize this as David’s doing when I look back, but an obscene amount of junk mail showed up with my name on it every single day. Magazines, credit card offers, vacation ads, and even physical letters from real people who claimed to be excited to be my new penpal. I sorted through them every day trying to find some pattern. Clark and Ivan thought it was hilarious. When I came home late from work, they would sometimes toss the junk mail in the air like confetti as I walked through the door, cheering that the Mail King was home.
One day, I remember feeling sick of getting all this junk mail and deciding to sit down, call every subscription to cancel. I recruited Clark and Ivan to help me, and we sat down with snacks one afternoon and started to crank through phone calls.
In a few days, the tide of junk mail subsided and we celebrated our efforts. That only lasted a week.
The next week, it started coming back in full force. There was twice as much as before, and even some pornorgraphic magazines in the mix. Not only did my physical junk mail increase, but my email became unnavigable through all the new spam messages. Google moved a lot of it to the spam filter, but there were still hundreds of emails that made it through. My email had been subscribed to websites I’d never even heard of.
Clark and Ivan were blown away by the new tide of junk mail. The event was dubbed “Return of the Junk” and became a great ice breaker for Clark and Ivan to introduce me to other people at parties.
One day I was browsing Facebook’s “People You May Know” section when I came across someone’s profile that had my picture, but a different name. The account was open for anyone to view and had a lot of porn posts, status updates full of swearing, and praises to Hitler. I frowned when I clicked on their pictures. Most of the pictures were the same ones from my Facebook account, but there were some pictures of me that weren’t on my account or anywhere else online. Keep in mind, I didn’t remember my dare to David, so I was feeling pretty creeped out.
I hit the report button and let Facebook know that the account was a fake and went on my way.
I think three months or so later is when more stuff started to happen. Katie and I are getting very serious and discuss moving in together. The junk mail still rolls in and I’ve started to just throw it away. Ivan has moved out to go to an actual university, so a new roommate Jackson has moved in. Clark and I attempted to befriend Jackson, but he’s similar to Isaac and locked himself in his room most of the time.
A new game became available for pre-order, so I submitted my email to reserve a copy. When I tried to log into my email to make sure the reserve code was there, I couldn’t log in. I hit “Forgot Password” and it asked if I wanted to use my phone number to reset the password. I pressed yes and waited for my phone to light up. It never did. I pressed the button three more times, but no text ever came. I tried old passwords I used to use, but none of them worked. I frowned, but eventually just walked away from my computer. I’d try again a different day.
I sat down on the couch and pulled up Facebook on my phone. A popup appeared. “You’ve been signed out,” it said. Then it jumped to the login screen. I thought I’d hit the logout button on accident, so I just typed in my email and password. It didn’t work. I tried again, but it still told me the password was incorrect.
My phone buzzed in my hand. Katie was calling me. I answered it and immediately became concerned. She was sobbing.
“Katie?” I said.
“You coward,” she spat. “You don’t get to just Facebook me that shit, no you have to talk to me and tell me with your voice.”
“Katie, what are you talking about?” I asked.
“Don’t play stupid, asshole. Say it.”
“Say… what?”
“You Facebook me and say we are through, but when I call, you deny everything? What the hell are you trying to pull, Zander?” Katie hissed.
“Katie, my Facebook got hacked! I was literally just trying to log in when you called. Are you at home? I’m coming over. We are not done, we are far from done, sweetheart.”
It took me some time to convince Katie that it hadn’t been me, but she relented when I showed her that I couldn’t log in. I googled how to get my Facebook account back and contacted their helpcenter. Thankfully, they were able to get me back into my account. Lots of links to porn sites had been posted all over my page by whoever jacked my account, so I spent time deleting all of those. I also spent time answering family members who asked about the “strange content” I had been posting. Awkward.
Katie also found out through her feeds that my Twitter and Instagram had been hacked. The accounts were posting hundreds of crude messages and pictures. Those two sites took a little more effort, but eventually I regained control over those too. Fixing my email took a couple of days, but I got access again.
Not wanting to repeat the experience, I made my passwords into really long strings of numbers, letters and symbols. Each account had a different password. For anyone who has done this, you know how impossible it would be to memorize your passwords. I wrote them down on a sheet of paper and put it in my dresser drawer. I didn’t intend to get hacked again.
I'm telling you where I put the paper so you'll know how freaked out I was when Facebook signed me out again the next week. I checked my other accounts. Locked out again. I shot Katie a text to warn her and then called the Facebook help center again. They gave me access to Facebook and gave me the same warning about making a long password.
When I told them the type of precautions I had taken last time, they suggested checking my computer for viruses in case there was a keyloggers collecting all the information I typed.
I called a computer repair center and asked what I needed to do to get my computer scanned. They asked me to bring it down and they'd check it out.
I had a desktop, so ‘bringing it down’ required a lot of unplugging. When I got down behind the computer to unplug everything, I found a tiny USB stick that I'd never seen before. I frowned and tried to locate its contents on the computer. The computer said no USB was attached.
The computer repair guy confirmed that the USB drive was a keylogger. He asked if my computer had ever been anywhere that anyone could walk up and use it. I told him no and he said he had no idea how it could have gotten there.
He didn't charge me anything, just warned me to keep an eye on my computer.
I changed all my passwords again, going through the motions to get my accounts back.
A few days later, I received three, yes THREE credit card bills in the mail. I still had the habit of skimming through the junk mail in case there ever was anything super important. I'm glad I did, because I might never have found out about the credit cards that were registered in my name.
I called the credit card companies to inform them that they were mistaken. I had never signed up for a credit card. My parents had warned me about them so often that I'd been deterred from ever getting one. Before you comment and tell me I need them to build my credit, yes I know that now.
A quick google search told me what to do next. I called Equifax, which is a company that calculates your credit score and tells creditors that it's okay for you to open a credit account. I placed a 90-day fraud alert on my credit. They said they would call me if anyone tried to open a credit account in my name.
The dude at Equifax was kind enough to tell me what I needed to do next. He asked me to go online and view my credit report. If I saw any accounts I didn't recognize, I was to write them down and fill out a complaint to the Federal Trade Commission (FTC) explaining the situation. Once I had that submitted, I was to file a copy of it with the police and create a police report. Then I had to take those two reports and call each of the credit companies that had issued credit to my identity and start the dispute process. I instantly felt very discouraged at the amount of effort this would require. It felt utterly insane to be required to follow all these steps just because I was the victim of identity theft. God damn.
Clark was horrified at what had happened and looked at his credit score. He was relieved when it came back clean. I made Katie check hers too just in case. Also clean.
I'll take a minute to tell everyone reading that you are entitled by law to one free credit report per year from each of the three credit score companies. That means you can and should check your credit three times a year. Clark and I set reminders on our phones to check the scores again in 4 months. I asked Katie to do the same.
When I first found out about the accounts, I had called my parents to ask if they had opened any accounts in my name. If they had, I'd at least know who the culprit was. They told me they hadn't opened any accounts, and I warned them about my problems. They promised to check their credit score.
Two weeks after I had called them, my dad called. They found fifteen fraudulent accounts between the two of them. What the hell? I told him the steps he needed to take, and he was grateful for my help and warning.
I know this is boring to read, but I want you to realize how insanely painful it was to fix all of this shit. Seriously, watch your credit reports and nip identity theft in the bud before it happens to you.
I had requested detailed bills from the credit card companies that had issued the fraudulent accounts, and they mailed them to me. The bills were full of online purchases. The accounts had been opened almost a year ago, and in that time they thief had spent $62,000 between all the fraudulent accounts. I was pretty upset that in a full year, I had only just found any credit card bills in the mail. I must have been tossing them with the mountains of junk mail. Now I know that the masses of junk mail were deliberate and calculated so the bills would blend in and hopefully get thrown away
The first few transactions were from stores like Target, Walmart, etc. But the further down I went, the less I recognized. One word stuck out to me: bitcoin. I had learned a little about it from my Facebook feed as I had some friends from high school who touted it as the next real currency. According to the credit card statements, several thousand dollars had been exchanged into bitcoin.
I started really researching bitcoin and trying to figure out what it was and why an identity thief would want it. To make the explanation short, bitcoin allowed my thief to make completely anonymous purchases online. It was as if he'd gone to an ATM and drained all the credit cards into cash. I didn't foresee the credit card companies ever getting their money back.
David now had a hell of alot of cash he could use to ruin my life. I didn't know it was him at the time, obviously, but now I do.
Guys, identity theft is a serious crime and is very damaging to everyone in the economy. And while the theft had been bad, my life was about to get a whole lot worse.
That’s all I have time to write for now. I have to go and get some serious shit taken care of. I'll write again as soon as I can.
My name is Zander, and my best friend is trying to ruin my life.
Part 2
Part 3
Part 4
Part 5
Part 6
Part 7
Part 8
 
Series 2
submitted by Zandsand90 to nosleep [link] [comments]

How To Withdraw Bitcoin - YouTube How to withdraw cash from BITCOIN ATM machine - YouTube how to withdraw bitcoin to debit/credit card - YouTube How To Withdraw Cash From A Bitcoin ATM - YouTube How to withdraw bitcoin from Localbitcoins com - YouTube

All Bitcoin operators charge a fee for using the Bitcoin ATM to buy or sell Bitcoin. Coinsource has the lowest fees of all the Bitcoin ATM operators in the United States. This fee is deducted from the amount of cash that you are withdrawing. NOTE: Not all Coinsource machines support two-way operations yet, and some of our kiosks only allow you ... View Bitcoin ATM locations near you. Coinsource offers the best rates with NO hidden fees. Find Coinsource Bitcoin machines near you to turn Cash into Bitcoin. Finding Bitcoin ATM locations. There are several online websites and tools that you can use to ... But to use a Bitcoin ATM, you need to find it first which is the tough part because of the low number of Bitcoin ATMs around the world. How To Locate A Bitcoin ATM Near You. You can find a Bitcoin ATM near you by using the Coin ATM Radar service that provides you the option of searching nearby ATMs using the live worldwide Bitcoin ATM map. The map is provided by Google and shows the exact locations of the closest Bitcoin ATM’s to you. About Bitcoin ATM’s. Bitcoin is a growing digital currency and the interest around it is getting bigger and bigger, the bitcoin machine helps users and investors buy and sell cryptocurrency and exchange it with cash, you can use the ATM for bitcoins to get your own now.

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How To Withdraw Bitcoin - YouTube

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