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Australian fintech firm Block Earner is charging ahead with plans to launch a crypto-backed loans product, despite staring down an upcoming court date with the financial regulator for allegedly offering financial products without a license.

The new crypto loan product allows Australian crypto investors to use crypto as collateral to borrow cash. Similarly, a Colorado-based lending platform called SALT offers crypto-backed loans to U.S. clients. The major cryptocurrency exchange Coinbase once offered a similar service to its U.S. customers but shuttered it in May this year.

The initial rollout from Block Earner is expected at the end of September and will initially only allow loans using Bitcoin as collateral.

Block Earner co-founder Charlie Karaboga told Cointelegraph that the new loan products have been designed in a very conservative way in a bid to fit neatly into an existing licensing model.

Karabogas firm was burned in last November when it was sued by the Australian Securities and Investments Commission for allegedly offering crypto-linked fixed-yield earning products without an Australian Financial Services (AFS) license.

At the time, Karaboga lashed out against the regulator for its lack of clarity, claiming that his firm had spent considerable time and resources building out products he believed were compliant with ASICs existing guidelines.

Like any company in the fintech ecosystem, before we launched the product we got legal opinions. We think that there was no sufficient regulation, or sufficient licenses for us to apply, Karaboga added.

However, Charlie said that the regulatory moves against Block Earner and competitor crypto company Finder were largely reactive and likely due to the collapse ofFTXin November.

We were impacted, unfortunately, most likely probably because we were more visible with our product compared to others, because they were using as an ancillary product, whereas we were using a core product.

Despite being unaffected by the fallout of FTX, in the wake of ASICs legal action, Karaboga said he closed the companys earn products and paid back all users.

The company appears to have learned its lesson. James Coombes, head of business at Block Earner, said the new launch wouldnt see the same fate as their Earn product, as it already fits within the rules of an Australian credit license.

There is a core difference, said Coombes. The Earn product there was no clear guidance on whether or not a license was required, and thats why we hold a conflicting view. Whereas this one, the clear guidance is that a license is required to provide consumer credit. So we went and got the license.

Looking forward, Karaboga said that faster regulatory progression in jurisdictions such as Singapore, Hong Kong and the United Kingdom will pressure the Australian government to catch up, or risk losing market share of crypto enterprises.

Karaboga explained that because Australia is one of the wealthiest countries by way of per-capita GDP and because Australians were early starters in the crypto industry, its citizens had become prime targets for scammers.

Ultimately, Karaboga asserted that domestic regulators are firmly pro-crypto and want to push that innovation moving forward.

This is a view that was shared by Binance Australia General Manager Ben Rose,who recently told Cointelegraph he was confidentthat Aussie regulators would side with crypto in the long term.

As recently as Sept. 6, Coinbase listed Australia as one of its primary locations for expansion outside of the U.S.

Block Earners Federal Court hearing is scheduled for November this year, with a decision to be handed down by January.

Collect this article as an NFT to preserve this moment in history and show your support for independent journalism in the crypto space.

Magazine: How to protect your crypto in a volatile market Bitcoin OGs and experts weigh in

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Aussie fintech prays for crypto clarity as it launches Bitcoin-backed ... - Cointelegraph

Crypto gambling is now mainstream, and there are hundreds of Bitcoin casinos doing everything in their power to attract as many players as possible.

This makes it difficult to know who to trust which is something were here to help with.

Our expert team has tested over 100 crypto gambling sites to bring you the ultimate list of the 10 best Bitcoin casinos that offer payouts within minutes, no KYC, thousands of games by leading developers, and customer support that you can depend on.

Lets dive in and discover the findings of our research, shall we?

Pros:

Cons:

In the virtually unlimited cosmos of online Bitcoin casinos, 7bit shines like a supernova. Its a highly popular Bitcoin casino with 7,000+ casino games and payouts within minutes and is among the first casinos to adopt provably fair games.

Youll be hard-pressed to find a list of the best cryptocurrency casinos that dont include 7Bit, which is evidence enough of the sites quality.

Selection of Crypto Games: 4.9/5

With over 7,000 online casino games from the best-known providers, 7bit has it all. Some of the top-rated slot games here include Mummyland Treasures, Throne of Camelot, Aloha King Elvis, and Alien Fruits, among others.

Slots are only one aspect of the selection, though 7bit offers much more. This includes Texas Holdem Poker, Teen Patty, Pai Gow Poker, blackjack, roulette, and many other games in the table games section.

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What we love about 7bit is their Instant Games edition, offering over 105 games, with the most famous being Aviator, Heads & Tails, Crazyhunt, and King of Jumping Scratch with over $30,000 in prizes.

Bitcoin Bonuses: 4.8/5

By joining 7bit Casino, youll be able to claim a massive welcome bonus of 5 BTC and 100 free spins divided into 4 deposit bonuses:

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BTC payouts at 7bit are extremely fast and processed within 10 minutes. Apart from Bitcoin, you can fund your account with Litecoin, Bitcoin Cash, Dogecoin, Ethereum, USDT, Ripple, Tron, Cardano, and Binance Coin.

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Pros:

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Bitstarz Casino isnt just talk among casino gamblers. It has been a hot topic since its inception, especially if you want the best selection of crypto casino games and payouts within 8 minutes.

Stay with us to learn more about why Bitstarz ranks among the best Bitcoin casino sites.

Selection of Crypto Games: 4.8/5

Bitstarz has roughly 4,900 high-quality slots, progressive jackpot slots, and original Bitstarz games. Featuring such a massive gaming library, we can certainly say this isnt a website youll find boring anytime soon.

The slot games category at Bitstarz is healthy and vivid. Youll find thousands of 3-reels, 5-reels, Megaways, bonus buy games, and feature-rich games like Candy 100 and Pendragon Legend. These games are powered by over 30 providers like Platipus, Playson, and Belatra Games.

We also noticed some jackpots ready to be won here such as the $76,146 jackpot that was active on Atlantean Cigarise while writing this review. Other jackpot slots are Holmes and the Stolen Stones, Ozwins Jackpots, Hoonga Boonga, and more.

In addition, the table games department has an equally impressive collection. It includes all the time-tested classics and introduces players to a few new games like Rocket Dice.

What we particularly like about Bitstarz Casino is their in-house Bitstarz originals. Some original titles are Plinko Original, Blackjack Original, Mines Original, and more games.

Bitcoin Bonuses: 4.7/5

Right off the bat, we like that a large welcome bonus is up for grabs for new players at Bitstarz Casino. The breakdown is as follows:

The minimum deposit required for getting these bonuses is the BTC equivalent of $20.

Besides the welcome package, there are a bunch of other thrilling promotions:

Payout Speed & Fees: 5/5

The payout speed at Bitstarz is 8 minutes on average the fastest withdrawal speed of all other Bitcoin casinos.

Except for Bitcoin, you can fund your account with Bitcoin Cash, Litecoin, Ethereum, XRP, Dogecoin, Tether, Cardano, TRON, and BNB.

Did you run out of crypto? No problem! You can buy it on-site with Moonpay or Changelly. We recommend you use Changelly because it has no fees, unlike Moonpay, which has a 4.5% fee.

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Mirax Casino sets itself apart with 10-minute payouts on average and an immersive gaming experience that features a wide variety of slots, table games, and the largest selection of instant win games.

Selection of Crypto Games: 4.7/5

By partnering with over 30 software providers, including top dogs like Betsoft Gaming, Nucleus Gaming, Endorphina, Mascot, and more, Mirax Casino features a large selection of over 4,000 games on a single platform.

All slot games are neatly organized in categories: top, new, bonus wagering, bonus buy, jackpots, and Megaways all available for demo play.

Weve played some industry-famous titles like Aztec Magic Bonanza and Lady Wolf Moon, and we didnt experience any lagging on mobile and desktop.

The table game section doesnt leave anything to be desired, either. The games are a perfect combo of amazing gameplay and high payouts, with around 70 provably fair table games you can choose from.

Since the 1950s, instant win games have been a popular form of entertainment. However, they are now experiencing a new explosion because of crypto casinos. Miraxs library has around 85 such games, including Plinko, Thimbles, Ancient Troy, Piggy Bank, and more.

All in all, a top-notch game library. Shout-out.

Bitcoin Bonuses: 4.6/5

Mirax Casino is generous with its welcome bonuses and promotions. They offer a fantastic welcome bonus up to 5 BTC divided across 4 deposits:

There is a higher wagering requirement of 45x attached to the welcome bonus, though.

Mirax Casino also has a few great ongoing promotions for their existing players to enjoy, including:

Payout Speed & Fees: 5/5

Mirax Casino accepts plenty of different cryptocurrencies, including Bitcoin, Bitcoin Cash, Ethereum, Litecoin, Dogecoin, Ripple, Binance Chain, Tron, and Cardano.

There are a few fees to expect on LTC and BTC deposits, although they are 2.5% and in line with industry standards.

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If youre searching for exclusive casino games mixed with sports and eSports betting MyStake is the best Bitcoin casino to join.

Offering some of the best crypto slots and cashback structures, this casino stands out with its innovative design, user-friendly interface, and an impressive array of exclusive in-house games.

Selection of Crypto Games: 4.8/5

MyStake offers a staggering collection of over 3,000 casino games from renowned software providers like Pragmatic Play, Microgaming, Big Time Gaming, Playn GO, and more.

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Bitcoin Bonuses: 4.5/5

The welcome offer is always the most exciting part of joining a new online casino, and MyStake doesnt disappoint (too much).

On your first deposit, you can get a 170% bonus up to $1,000 for crypto deposits. Note that the minimum deposit required to qualify for the bonus is $20.

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MyStake has a great selection of crypto options to suit the needs of its players. In fact, this site accepts the most cryptocurrencies on our list of the best Bitcoin casinos.

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KatsuBet is a fantastic Bitcoin gambling site that provides a huge welcome bonus for new players of 5 BTC + 200 free spins on your first four deposits.

Selection of Crypto Games: 4.4/5

Katsubet is the perfect place to play crypto casino games, thanks to its vast collection of over 4,000 titles. Youll find everything you can imagine here, including hot slot titles such as Hold the Gold, Power of Olympus, Candy Finity, and more.

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If you want to dive into the dynamic action of cryptocurrency gambling, visit the Bitcoin section, and youll find many exciting titles like For the Realm, Dice Bonanza, Take the Bank, Neon Capital, and more.

The table games area features games like Classic Roulette, Blackjack, Baccarat, and Sic Bo, while the video poker category provides multi-hand variations of well-known games like All Aces Poker, Joker Poker, and Jacks or Better.

Bitcoin Bonuses: 4.9/5

This is the area where Katsubet excels. New players at this online Bitcoin casino have access to an exciting welcome package worth 5 BTC and 200 free spins separated into four deposits as follows:

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Katsubets payout speed does not exceed 30 minutes. There is a $5 fee for Bitcoin deposits, $0.23 for Litecoin deposits, and a $1 fee for Tether deposits.

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With the crypto gambling industry being on a tremendous rise and set to hit $65.7 billion in revenue by 2027 you can only expect the number of new crypto casinos opening up and staking a claim for your bets.

See more here:

Best Bitcoin Casinos in 2023: Top Crypto Casino Sites to Play BTC ... - Analytics Insight

Kidds pieces have been a double illumination. Their intimate domestic lanterns shed light on the dark side of the moon and, exotic and informational interest aside, glow in their own skins, as art. They are simple, graceful, comic, mournful miniatures of an ominous catastrophe, the unprecedently swift death of a uniquely ancient civilization. John Updike

Kidd paints indelible sketches of an aspect of Chinese life gone forever. A finely wrought account. Booklist

For Americans who travel to Beijing or who are interested in the city as it was before the revolution, this book will give a new dimension to their understanding and enjoyment. New York Times

David Kidd (19271996) originally came from Kentucky, studied Chinese at the University of Michigan in 1946, and went to Yenching University on an exchange to study Chinese poetry and teach English. He spent some time living in a traditional courtyard with his Chinese wife. In 1950, Kidd and his wife left for the United States. She pursued a career as a physicist in California and he immersed himself in Chinese art circles in New York.

He taught at the Asia Institute until 1956, when he moved to Japan. There he taught at Kobe and Osaka universities and began collecting Chinese and Japanese art and antiques. He divorced his first wife and settled down in Kyoto with Yasuyoshi Morimoto. Kidd founded the Oomoto School of Traditional Japanese Arts. His account of the last days of the ancient Chinese regime was published in 1960 as All the Emperors Horses and was reissued in 1988 as Peking Story. He died in Honolulu in 1996.

For two years before and after the 1949 revolution, David Kidd lived in Beijing. He was married to Aimee Yu, the daughter of an aristocratic Chinese family, and was living in some comfort and seclusion on a hutong alley. With Yu, he came to see one of the last traditional families of Beijing in situ. Peking Story was serialized by the New Yorker in 1955, first published as a book in 1988, and then reprinted in the early 2000s as a New York Review of Books classic.

I used to hope that some bright young scholar on a research grant would write about us and our Chinese friends before it was too late and we were all dead and gone, folding into the darkness the wonder that had been our lives. Ultimately the task fell to me.

Late January of 1949, Peking surrendered gracefully to the ever victorious Communist Army, and one day soon after, my fiance a Chinese girl telephoned me to say that her father, who had been ill for a long while, was dying. We must marry immediately, Aimee said, or face the prospect of waiting out at least a year of mourning, as Chinese custom demanded. It seemed unfeeling to hold a wedding at such a time, and there was no way of guessing what the Communist authorities would say to a marriage between the daughter of a bureaucratic-capitalist Chinese and an American teacher, but the future was so uncertain that we decided we must go ahead. Aimees family, when consulted, agreed. However, since we could not be sure we were not bringing some sort of trouble on them, we planned to keep the marriage a secret, at least for a while.

Peking was a great walled and moated medieval city through which pulsated a life in what was considered the worlds largest empire. Within its walls lay the Forbidden City, the center from which imperial power reached out to all of China, and from there, the world.

Aunt Chin often spoke cryptically, alluding to some old Chinese saying or myth, but she was truly a wise person. As they saw their friends and neighbors degraded by the reform of the New China, as the only life they had known crumbled and blew away like dust, as the Yu family had to relocate from the home that had been theirs for four centuries, as Aunt Chin faced being homeless but would eventually find shelter in a temple, she would postulate: Houses and people and tables and chairs move and change of themselves, following destinies that cannot be altered. When things change into other things or lose themselves or destroy themselves, there is nothing we can do but let them go.

Kidds Peking Story is one of the best accounts we have of the crucial interregnum period between the end of the Chinese Civil War and the consolidation of Communist rule. Revolutionary consolidation is not instantaneous, it doesnt happen overnight. It takes a while. This was true of the Bolshevik Revolution the NEP, War Communism, etc. So too it took the Chinese communists some time to consolidate their revolution, even in their new capital of Beijing. So we see Kidd and his wifes family still living a largely traditional life in terms of their routines, tastes, clothing, and style. Yet the authoritarianism that would become the leitmotif of the Peoples Republic of China is creeping into their lives. Radios seized, restrictions on foreign nationals, spy mania, local cadres nosing their way into peoples lives. So we have the contrast of the sprawling hutong courtyard, visits to ancestral temples, moonlit picnics, servants, opulent ceremonies, lavish entertainments, and cherished antique heirlooms and the new communist regime.

But perhaps what most stays with the reader is the cast of characters Kidd encounters a cast at a time of change and whose fortunes will be starkly different: The disheveled Reverend Feng, who performed his wedding ceremony in unintelligible chants, whose beliefs are now highly problematic; the familys once-trusted cook who turns into a street beggar after being sued in court; a Mongolian prince dressed as a Mongolian princess; Kidds in-laws, including Aunt Chin, who traces her Manchu roots to an empress of China.

Despite his intense attraction to the aesthetic of old Peking, Kidd was not wholly unsympathetic to the revolution and its broad aims of bettering the lot of the ordinary citizen. But the final portion of the memoir recalls when Kidd returned to Beijing in 1981: the city was unrecognizable, and the living conditions of the remaining Yu family were depressing.

Kidd could have made his book far darker, more morose. Yet he tries to keep a positive attitude, often satirical, to look at the cohesion of the Yu family, held together by their former status and traditions even when brought low by the communist revolution. However, even the most ardent supporter of the revolution would perhaps find a tinge of sadness at the passing of so many rituals and observances, a loss of Chinas collective memory through fear. Kidds book can be accused of nostalgia for a time when many people in China lived awful lives of desperate and inveterate poverty, but there were bright spots weddings, parties, celebrations and he recalls these, too, in minute detail.

Barely 30 years after Kidd left China, a young American arrived to head inland to an uncertain posting. The country had changed beyond belief in many ways a new name, new leaders, periods of turmoil and chaos not so far behind it, an era of supposed advancement and new brighter horizons ahead. And so, a book about learning from China by another Westerner, this time in the 1980s, in the hinterlands

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All the traditions lost after the Communists entered Beijing The China Project - The China Project

Every quarter, polling company YouGov surveys peoples views towards well-known figures, past and present.This includes Lenin,the leader of the October Revolution. The results are illuminating.

Amongst the older generation, those born between 1946-64, opinion is unenthusiastic. A mere 4% of Baby Boomers give Lenin the thumbs up.

Younger people, by contrast, hold a far more favourable view of the Russian revolutionary. The Bolshevik leader is popular amongst 40% of Millennials (those born between 1981-96).

Unfortunately data is not available for Gen Zs (born 1996-2012). But no doubt support for Lenin would be even higher for younger generations.

This revolutionary outlook was confirmed by anotherpoll published earlier this year by the Fraser Institute.Thisconservativethink-tank was shocked to find out that nearly a third of young people in Britain (18-34 year-olds) believe thatcommunism is the ideal economic system.

Again, this survey did not include school students, who are even more radical. Nevertheless, these findings equate to about 4.5 million youth in Britain who are open to communism.

The reason for this radicalisation is clear and understandable. This generation has grown up in the wake of the capitalist slump of 2008, the deepest since the Great Depression, where the system has lurched from one crisis to another.

Society has been wracked by instability, austerity, and catastrophes over the past decade-and-a-half. Young people today have never known anything but disaster and decline.

Older layers have been burnt out by past defeats and difficulties. They have grown sceptical towards the idea of radical change.

The youth, however, see their parents struggling on a daily basis: cutting back on essentials, skipping meals, and turning off the lights and radiators in order to scrape by.

Millions of children in Britain are infood poverty.Studentsschool buildings are literally crumblingto bits. Upon graduation, they are faced with dead-end jobs, poor pay, and growing unemployment; with little hope or future.

Added to this is theclimate crisisand the horrors of imperialism. Capitalist corporations plunder and pollute the world. Conflict and war tear countries apart. Millions die every year of starvation and disease. All the while, the super-rich sit idly and luxuriously upon an enormous pile of wealth.

No wonder young people today want a revolution. How can they not?!

This is a global phenomenon. The crisis of capitalism is international. And in all countries, it is the youth who are bearing the brunt of this broken system.

In Italy, Spain, and Greece, for example, youth unemployment rates are at 32%, 34%, and 40%. In South Africa, the figure is 53%.

In China,although accurate figures are difficult to come by, all the evidence suggests that the youth are increasingly swelling the ranks of capitalisms reserve army of labour.

Everywhere, young people have been on the frontlines of the struggle: fromSri Lankato the United States; fromPalestinetoFrance.

Older folk, with memories of a halcyon age, might yearn for a return to better times. But they are living under an illusion. Such conditions are never coming back, as the continual hammer blow of events will prove.

Even the strategists of capitalism see no way out. Attendees of the recent meeting of central bankers and establishment officials at Jackson Hole, for example, talked about a shock-prone, fragmented environment, whereglobal debt has become unsustainable.

The ruling class is terrified ofanother world slump,which is on the cards. They are unsure about whether the state can afford to bail out the capitalist system once again.

I dont think they [governments] can do it again, stated IMF chief economist Pierre-Olivier Gourinchas. We dont have an insurance policy anymore. We are at the edge.

Absolutely. They are at the edge of an abyss.

The old reformist left parties are blind to what is happening. They have no perspective of revolutionary change. Instead, they hope to patch up capitalism.

These lefts have completely bought into the system. But capitalism is in a blind alley, and can no longer offer reforms only counter-reforms.

Starmers Labour Partyhas become an obedient tool of the ruling class. The Labour leaders are keen to do the dirty work for capitalism. In power, they will act little differently from the Tories.

No wonder young people feel betrayed. They are looking for fundamental change. They are looking for revolution: nothing more, nothing less. They are looking towards Lenin and communism.

The only way forward is the overthrow of this rotten system.

It is the new generation that holds the key. Through their dynamism and militancy, they can revive the more passive and inert layers, break down their scepticism, and rejuvenate the movement.

The movement is revitalised by the youth, who are free of responsibility for the past,Trotsky explained in the late 1930s,in a period of revolution and counter-revolution.

The Fourth International [the revolutionary international] pays particular attention to the young generation of the proletariat, Trotsky continued. All of its policies strive to inspire the youth with belief in its own strength and in the future.

Only the fresh enthusiasm and aggressive spirit of the youth can guarantee the preliminary successes in the struggle; only these successes can return the best elements of the older generation to the road of revolution. Thus it was, thus it will be.

It was not for nothing that Lenin asserted that he who has the youth, has the future. The Bolshevik Party was originally built upon the youth. It was they who provided the cadres for the success of the October Revolution in 1917.

To overthrow capitalism, we need tobuild a revolutionary partywith the same perspective, energy, and determination as the Bolsheviks.

That means forging a genuinely communist force, in Britain and internationally: as Lenin attempted 100 years ago, and as we the International Marxist Tendency are doing today.

Join us to end the scourge of poverty, hunger, and war; to overthrow capitalism; to struggle for a communist future,based upon Marxs principle:from each according to their ability, to each according to their need.

We are the real Marxists; the real Leninists; the real Communists.Join us,get organised, and fight for revolution!

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Communism, the youth, and the fight for revolution - Socialist Appeal

Rep. Maria Elvira Salazar

U.S. Rep. Mara Elvira Salazar (R-FL) led 27 Republicans to introduce legislation that would develop and disseminate a civic education curriculum and oral history resources to help teach middle and high school students about the dangers of communism and totalitarianism.

On Sept. 5, Rep. Salazar sponsored the Crucial Communism Teaching Act, H.R. 5349, with original cosponsors including U.S. Reps. Mike Bost (R-IL), Buddy Carter (R-GA), David Valadao (R-CA), and Lloyd Smucker (R-PA) to make the educational materials available through the Victims of Communism Memorial Foundation.

Communism is one of the most destructive political ideologies the world has ever seen, Rep. Salazar said. The Crucial Communism Teaching Act is important because our youth must remember the crimes of the communists, including those inflicted upon my constituents and their families in Floridas 27th district.

The framework for H.R. 5349 was inspired by the Never Again Education Act, which Congress passed in 2020 to create a program to educate American students about the Holocaust through the U.S. Holocaust Memorial Museum, according to the congresswomans office, and the bill continues similar efforts in Florida and other states to educate American students on the failed experiment of communism throughout history.

Communism is dangerous, it is evil, and our children are being lied to about its merits. We must do a better job of educating our youth so that the horrors of communism never see the light of day on U.S. soil, said Rep. Carter. Im proud to co-sponsor Rep. Salazars Crucial Communism Teaching Act so we can improve our schools curriculum and set our students up for success.

Rep. Smucker pointed out that its critical to ensure students are taught the history of death and destruction caused by communism and the present dangers of this ideology.

I remain concerned at the number of Americans who hold favorable views of this dangerous ideology, Rep. Smucker said. I appreciate Congresswoman Salazar for leading this legislation and am proud to join her in supporting it.

H.R. 5349, which is supported by the Victims of Communism Memorial Foundation, has been referred for consideration to the U.S. House Education and the Workforce Committee.

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Salazar, 27 GOP cosponsors offer bill to educate students about ... - Ripon Advance