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Phones Laptops Cameras Tablets Headphones Smartwatches VR Headsets This is my NextI'll admit it, I've never used Bitcoin.I'm no Ross William Ulbricht, allegedly "Dread Pirate Roberts," proprietor of underground Bitcoin-based Silk Road criminal marketplace , with a need for anonymity.I'm not interested in gambling that the value will go up.I'm looking for a convenient way to buy things.Bitcoin doesn't do it for me, and Benjamin Edelman, Associate Professor at Harvard Business School, has a good explanation of why my instincts are correct.They just don't compete with credit cards.The key is that the price of the product that you're buying is generally the same no matter what you pay with (gasoline, in some places, is one of the rare exceptions).If I'm buying $100 of widgets from Acme, I can give them $100 cash, in which case I'm out $100 and Acme has that much.If I pay with a credit card, I'll get a bill for $100 later, Acme will get $100 less the discount (the fee paid to the bank), so probably about $98.

If I buy with Bitcoin I have to go to my wallet, like Coinbase, and pay $101 to get $100 of Bitcoins, the extra $1 going to Coinbase, and pay the Bitcoins to Acme.Hopefully, the price of Bitcoin hasn't swung in the meantime to the point that $100 isn't enough anymore.So with Bitcoin I'm paying the transaction fee, not the merchant.But it's worse than that.Credit card companies compete wildly based on customer benefits, from purchase protection to hotel and airline points.ethereum payment processorYes, there may be a fixed annual fee and you'll pay high interest if you don't pay off your bill every month, but you can make out much better with a credit card than with Bitcoin if you do pay your bills.bitcoin sveriges radioAnd if you use the credit card enough, the value of the benefits drowns out the fixed annual fee.bitcoin difficulty in 2015

For me the transparency aspect also argues against Bitcoin.This stuff is confusing, and adding in the complexity of the exchange rate doesn't help matters.I'll grant that the Bitcoin ecosystem is pretty young and that they may get better, but I think only at the expense of whatever might be a benefit to Bitcoin.Banks want your money because, while they have it, they can make money on it.buy litecoin with interacWhat about a Bitcoin wallet company?acheter bitcoin en ligneCan they loan out the coins in your wallet?bitcoin market investopediaWithout some sort of scheme like this they can't afford to offer discounts or benefits like the credit cards offer.bitcoin house vancouver

It might get better once the system gets as organized as it is with cash and credit cards, but then what's the benefit of Bitcoin?If you're going through a bank it's not like you're anonymous.Institutions like that are heavily regulated and obligated to keep an eye on what you're doing with your money.Edelman asks where Bitcoin could really bring value and comes up short for an answer.bitcoin value by 2020Western Union will send $1,000 to dozens of countries for $8, far less than you and the receiving party will pay for a Bitcoin transaction.bitcoin value in randThe gee-whiz coolness of the Bitcoin algorithm may end up being valuable somehow, but as a currency, the value proposition to the average person just isn't there.Did you just pick up a new Galaxy phone that uses Android?Well, it is time to load it up with killer Bitcoin apps.Just because you’re on the go doesn’t mean you can’t make use of your stash of Bitcoins.

Here we look at 10 Bitcoin apps that are highly rated by users, easy to use, and free.Let’s start with one that was just updated last week on Google Play.Mobile Bitcoin wallets are hot on Android, especially with the issues Apple has had with Bitcoin apps over the last two years.For many Bitcoin lovers, Apple pushed them into Android devices just to get great Bitcoin apps, and the new Mycelium Wallet is one of them.A total of 89.9% give this Bitcoin app four or five stars, and its abundance of useful features makes it easy to see why.It helps you find people to trade your BTC with.Mycelium “super nodes” make for fast connections to the Bitcoin network, and enjoy cold storage capability for maximum bitcoin security.Plus, you don’t have to download the entire block chain to get fully connected, giving you functionality right away.Easy to see why this Bitcoin wallet is so popular.For the Bitcoin gamer in you, this app lets you mine virtual bitcoins in a virtual world, with a tapping action you’ll enjoy.

Start off as a miner at an office behind a desk, customize your character, and build your way up to Bitcoin billionaire riches.Over 86% give this app four stars, and it has been downloaded almost 1 million times.If you are the kind of user who is always checking the BTC/LTC price, check out this ticker widget from XBT Apps.It monitors many of the world’s top bitcoin exchanges, including Bitstamp, Bitfinex, BTCe, BTC China and BitPay Best Bid.Customize app alerts to trigger when there are major changes in the market, so you can move quickly.Bitcoin Aliens’ app sends out thousands of satoshis reliably every hour, so it’s a great way to get started with Bitcoin.Whenever you need a hit of bitcoins, Free Bitcoins is ready.It’s one of the highest-rated apps in Google Play, with 91.4% giving it four stars or more.It’s hard to find a faucet that is reliable, but this one does the trick every time.This app by Davide Gessa combines services to get you information on bitcoin merchants in your area.

and Google Maps to find businesses in your area that sell goods and services in bitcoin.It has done very well with users, but is fairly new to the market.Rating: 27 out of 32 users give it four stars or more.From the minds at BitPay, this app gets merchants, whether they are brick-and-mortar or mobile, to accept bitcoin quickly and easily right from the smartphone.The feature set includes customizable tipping, instant payment verification, and BitPay protection of merchants from Bitcoin price volatility.It gets an overall 4.6 rating out of 5 stars from users.This might be a knock-off of the Angry Birds phenomenon, but it works for the gamers using it.Win prizes in bitcoin for flying these birds through the maze of pillars.Play head-to-head, or in tournaments, and send your winnings to any bitcoin wallet you choose.Over 88% approval rating on Google Play.There are definitely some of us who are addicted to the price of bitcoin versus their local currency, and this app is for you.Refreshed pricing alerts can come every 10 seconds (Paranoia Mode), or set it for 1-minute, 15-minute and 1-hour refreshes.

Can work through many exchanges, including Coinbase, and a weighted worldwide rate.Almost 2,400 out of 2,573 reviews give it 4 stars or more.Love to play casino games?The Bitcoin Casino Slots Showcase from Fire Camp can get you multiple gaming experiences in one convenient app.Great graphics, and all the op casino games, from poker to roulette, to Blackjack.No bitcoins or credit cards are needed, if you want to play for free.Users love this app, with a whopping 96.1% giving it 4 stars or more.zTrader is a secure trading client for the largest Bitcoin and altcoin exchanges, capable of trading hundreds of digital currencies on 17 different exchanges, zTrader has everything you need to trade right from your Android device.Utilize full trading capability with seamless switching between exchanges and currencies.A full market overview, like Coin Market Cap, and secure, encrypted storage of API keys.Features a 92% approval rating from users on Google Play.What Bitcoin app is your favorite?Share above and comment below.