User talk:Thomp4ju/sandbox

Article Evaluation
Most of the article is relevant to the topic. However, it goes through a whole bunch of different categories and sections each talking about a different thing and its easy to get lost. The information given in the article is up to date, it is mostly spoken within the last 3 years or so. There is not any bias in it as it states a lot of facts and explains how cryptocurrency became a thing and the issues with cryptocurrency. There are 117 sources where the sources links do work. There are a lot of in text references that lead to other Wikipedia articles. The talk section is actually really pleasing to see. It is very polite in how people suggest something or disagree with something and how writers are very appreciative and absorbing of the ideas.

Possible Articles to work on.
https://en.wikipedia.org/wiki/Talk:Cryptocurrency

https://en.wikipedia.org/wiki/Talk:Cryptanalysis

https://en.wikipedia.org/wiki/Computer_security

https://en.wikipedia.org/wiki/Cyberwarfare

https://en.wikipedia.org/wiki/Computer_virus — Preceding unsigned comment added by Thomp4ju (talk • contribs) 22:30, 3 October 2018 (UTC)

Annotated Sources
Brown, S. D. (2016). The Police Journal: Theory, Practice and Principles. Cryptocurrency and criminality, 1. This article discusses an educates people about what bitcoin really is and how it is used for very simple money laundering. It also highlights details about the currency being used by drug cartels and terrorist organizations.

Giechaskiel, I., Cremers, C., & Rasmussen, K. B. (2018). IEEE Security and Privacy. When the Crypto in Cryptocurriencies Breaks: Bitcoin Security under Broken Primitives. This article educates readers with a plan on how to deal with broken bitcoin security. It goes into detail about cryptography to help explain how cryptocurrencies work.

Li, X., & Wang, C. A. (2017). Decision Support Systems. The technology and economic determinants of cryptocurrency exchange rates: The case of Bitcoin, 49-60. This article discusses the exchange rate in bitcoin in countries that allow it and the typical determinants used for bitcoin exchanges.

Peter Seele, C. D. (2016). Journal of Business Ethics. Cryptocurrencies and Business Ethics, 1. This article discusses the use of cryptocurrencies by business and corporations. It also talks about whether or not they can be beneficial or not.

Software World. (2018, October 17). Cryptojacking threatens cryptocurrency safety, security and value, warns Stealthcare CEO Jeremy Samide. Retrieved from Business Insights:Global: http://bi.galegroup.com/global/article/GALE%7CA543900375?u=ucinc_main&sid=summon This web source discusses the rising threats of "cryptojacking" and how it is effecting small consumers who own cyrptocurrencies.

Peer Review for Justin
You have organized and formatted the article in a pleasing way. You have also added a lot of information to the article. There was a flag on the original article saying that the information sounded like an advertisement, and I believe that you have fixed that.

JasonHunt1 (talk) 17:47, 29 October 2018 (UTC)

Stellar (payment network) From Wikipedia, the free encyclopedia Jump to navigationJump to search

This article contains content that is written like an advertisement. Please help improve it by removing promotional content and inappropriate external links, and by adding encyclopedic content written from a neutral point of view. (March 2018) (Learn how and when to remove this template message) Stellar.org Stellar (payment network) logo.svg Original author(s)	Jed McCaleb, Joyce Kim Developer(s)	Stellar Development Foundation Initial release	July 31, 2014; 4 years ago Repository github.com/stellar/stellar-core Edit this at Wikidata Written in	C++, Go, JavaScript, Java, Python, Ruby, Shell Type	Real-time gross settlement, currency exchange, remittance, blockchain, cryptocurrency License	Apache 2.0 Website	Stellar.org Stellar is an open-source, decentralized protocol for digital currency to fiat currency transfers which allows cross-border transactions between any pair of currencies.[1] The Stellar protocol is supported by a nonprofit, the Stellar Development Foundation.[2][3][4][5][6][7]

Contents 1	History 1.1	Real-world applications 2	Overview 3	References 4	External links History In 2014, Jed McCaleb, founder of Mt. Gox and co-founder of Ripple, launched the network system Stellar with former lawyer Joyce Kim.[8] Before the official launch, McCaleb formed a website called "Secret Bitcoin Project" seeking alpha testers.[8] The nonprofit Stellar Development Foundation was created in collaboration with Stripe CEO Patrick Collison and the project officially launched that July.[8] Stellar received $3 million in seed funding from Stripe.[9][10] Stellar was released as a decentralized payment network and protocol with a native currency, stellar. At its launch, the network had 100 billion stellars. 25 percent of those would be given to other non-profits working toward financial inclusion.[11][12] Stripe received 2 percent or 2 billion of the initial stellars in return for its seed investment.[13][14] The cryptocurrency, originally known as stellar, was later called Lumens or XLM.[15] In August 2014, Mercado Bitcoin, the first Brazilian bitcoin exchange, announced it would be using the Stellar network.[16] By January 2015, Stellar had approximately 3 million registered user accounts on its platform and its market cap was almost $15 million.[17]

The Stellar Development Foundation released an upgraded protocol with a new consensus algorithm in April 2015 which went live in November 2015.[18][19][20] The new algorithm used SCP, a cryptocurrency protocol created by Stanford professor David Mazières.[21]

Lightyear.io, a for-profit entity of Stellar, launched in May 2017 as the commercial arm of the company.[22] In September 2017, Stellar announced a benefits program, part of its Stellar Partnership Grant Program, which would award partners up to $2 million worth of Lumens for project development.[23] In September 2018, Lightyear Corporation acquired Chain, Inc.[24] The combined company is Interstellar[25], with Adam Ludwin, who was Chain’s CEO, Interstellar’s CEO, and Jed McCaleb as CTO. The company's portfolio includes StellarX.[26]

Real-world applications In 2015, it was announced that Stellar was releasing an integration into Vumi, the open-sourced messaging platform of the Praekelt Foundation.[27][28] Vumi uses cellphone talk time as currency using the Stellar protocol.[29][30] Stellar partnered with cloud-based banking software company Oradian in April 2015 to integrate Stellar into Oradian's banking platform to add microfinance institutions (MFIs) in Nigeria.[31][32]

Deloitte announced its integration with Stellar in 2016 to build a cross-border payments application, Deloitte Digital Bank.[33] In December 2016, it was announced that Stellar's payment network had expanded to include Coins.ph, a mobile payments startup in the Philippines, ICICI Bank in India, African mobile payments firm Flutterwave, and French remittances company Tempo Money Transfer.[34]

In October 2017, Stellar partnered with IBM and KlickEx to facilitate cross-border transactions in the South Pacific region.[35][36] The cross-border payment system developed by IBM includes partnerships with many large banks including Deloitte.[37][38]

In December 2017, TechCrunch announced Stellar's partnership with SureRemit, a Nigerian based non-cash remittances platform aimed at solving the challenges of remittance in Africa, India, and the Middle East[39]

In January 2018, it was announced that ZED Network would be developing an integrated global payments platform using the Stellar distribution network and its blockchain technology.[40] That same month, Mobius Network ran its initial coin offering (ICO) on the Stellar network.[41] Also in January 2018, Stellar gained media attention when online payment company Stripe announced it might add support for Steller's cryptocurrency, lumens.[42]

In September 2018, it was announced Stellar Payband created a contactless NFC (Near Field Communication) cryptocurrency wristbands using the Stellar distribution network and its blockchain technology. [43] The technology was tested at the Chicago Food Truck Festival in Chicago an annual gathering of 60,000 foodies. Thus enabling consumers to purchase food and merchandise with the cryptocurrency Stellar Lumens. [44]

Overview Stellar is an open-source protocol for exchanging money or tokens using blockchain technology.[8] The platform's source code is hosted on Github.[45] The Stellar network can quickly exchange tokens including government-based currencies with 2 to 5 second processing times. The platform is a distributed ledger maintained by a consensus algorithm, which allows for decentralized control, flexible trust, low latency, and asymptotic security. It contains an integrated Distributed Exchange for trading of assets called the SDEX.[citation needed]

Servers run a software implementation of the protocol, and use the Internet to connect to and communicate with other Stellar servers, forming a global value exchange network. Each server stores a record of all “accounts” on the network. These records are stored in a database called the “ledger”. Servers propose changes to the ledger by proposing “transactions”, which move accounts from one state to another by spending the account’s balance or changing a property of the account. All of the servers come to agreement on which set of transactions to apply to the current ledger through a process called “consensus”. The consensus process happens at a regular interval, typically every 3 to 5 seconds. This keeps each server’s copy of the ledger in sync and identical.[46][47]

Currently the consensus mechanism used - called the "Stellar Consensus Protocol" is a draft IETF standard. [48]

References Ben Dickson (January 30, 2018). "Can blockchain democratize education? This startup seems to think so". The Next Web. Retrieved August 26, 2018. Jillian D’onfro (31 July 2014). "PayPal's Cofounder Is Supporting A New Non-Profit That Will Tackle The Vision PayPal 'Never Accomplished'". Business Insider. Retrieved 23 April 2015. Kim-Mai Cutler (31 July 2014). "Stripe Backs Non-Profit Decentralized Payment Network Stellar, From Mt. Gox's Original Creator". TechCrunch. Retrieved 23 April 2015. JP Mangalindan (31 July 2014). "New Bitcoin challenger launches". Fortune. Retrieved 23 April 2015. "Stellar Mandate". 31 July 2014. Retrieved 23 April 2015. "Certificate of incorporation of Stellar Development Foundation Non-stock Corporation" (PDF). Retrieved 23 April 2015. Jacques Coetzee (5 May 2015). "Could Stellar be the answer to enable financial inclusion around the globe?". Memeburn. Retrieved 20 November 2015. "Mt. Gox, Ripple Founder Unveils Stellar, a New Digital Currency Project". "New Bitcoin challenger launches". Michael del Castillo (5 August 2014). "Stripe takes on bitcoin with rival digital currency Stellar". The Irish Times. Retrieved 20 November 2015. "Payment processor Stripe helps launch a new currency, the Stellar". "PayPal's Cofounder Is Supporting A New Non-Profit That Will Tackle The Vision PayPal 'Never Accomplished'". "Stripe Backs Non-Profit Decentralized Payment Network Stellar, From Mt. Gox's Original Creator". "Stellar Rockets into the Cryptocurrency Top 10 After Tripling in a Week". "2 Game-Changing New Cryptocurrencies With Serious Backing". "New Digital Currency Aims to Unite Every Money System on Earth". "Stellar rewrote the rules of cryptocurrencies. Now, users in Asia are leading its growth". Cade Metz (8 April 2015). "An Algorithm to Make Online Currency as Trustworthy as Cash". WIRED. Condé Nast. Retrieved 23 April 2015. Stan Higgins (14 April 2015). "Jed McCaleb Talks Stellar's New Protocol for Consensus". Coin Desk. Retrieved 23 April 2015. Hans Lombardo (5 November 2015). "Stellar Releases Major Upgrade that Runs Faster, Uses Less Memory & Stores Data Better". All Coin News. Retrieved 20 November 2015. Tom Simonite (April 15, 2015). "A New Cometitor for Bitcoin Aims to Be Faster and Safer". Jeff John Roberts (May 11, 2017). "Stripe-Backed Stellar Places a New Bet on Blockchain in the Developing World". Fortune. Retrieved August 26, 2018. "Stellar Grant Program Will Award 'Selected' Participants $2 Mln In Tokens". Cointelegraph. 8 September 2017. Interstellar (2018-09-10). "Announcing Interstellar". Interstellar. Retrieved 2018-10-14. "Blockchain Startup Chain Merges With Stellar to Accelerate Use". Bloomberg.com. "Introducing Interstellar". interstellar.com. Retrieved 2018-10-14. Biz Carson (5 February 2015). "Stellar, South African nonprofit to bring digital savings to young girls". GigaOm. Retrieved 23 April 2015. Hans Lombardo (2 February 2015). "Non-Profit Foundation Uses Stellar Protocol to Improve Economic Security of South African Girls". All Coins News. Retrieved 23 April 2015. Leo Mirani (6 February 2015). "Platforms, not products, are the way to bring financial services to the poor". Quartz. Retrieved 23 April 2015. Tom Simonite (20 February 2015). "Bitcoin-Inspired Digital Currency to Power Mobile Savings App". MIT Technology Review. Retrieved 23 April 2015. Karen Webster (2 March 2015). "Stellar and Solving the Unexpected Tragedy of the Financial System". PYMENTS.com. Retrieved 23 April 2015. Paul Vigna (28 February 2015). "Stellar Takes a Step Into the Microfinance World". Wall Street Journal. Retrieved 23 April 2015. Diana Asatryan (May 3, 2016). "Deloitte Taps Blockchain Startups to Build New Core Banking System". Bank Innovation. Retrieved August 26, 2018. FORTUNE. "Stripe-Backed Stellar Kicks Off Worldwide Money Transfers". Fortune. Retrieved 2017-01-03. "IBM Blockchain Payments To Use Stellar In Major Partnership Deal". Cointelegraph. 16 October 2017. "IBM's Blockchain 'Cross-Border' Payments Initiative With Silicon Valley Firm To Drive Efficiencies". "Stellar jumps 20% after Stripe says it may add support for the digital coin". "IBM and Stellar Are Launching Blockchain Banking Across Multiple Countries". Jake, Bright. "Africa's SureRemit joins the tokenized race to win the global remittance market". TechCrunch. Archived from the original on December 12, 2017. Retrieved August 28, 2018. "ZED Network To Provide $600 Billion Remittance Market With Decentralized Global Payments Platform". Payment Week. January 18, 2018. Retrieved August 26, 2018. Brady Dale (January 25, 2018). "Why a $39 Million ICO Chose Stellar Over Ethereum". Coindesk. Retrieved August 26, 2018. "This PayPal Competitor Is Dropping Bitcoin Like a Bad Habit". Fox Business. January 28, 2018. Retrieved August 26, 2018. "Stellar (XLM) Payment Platform Eyes Mass Adoption of Crypto Through Live Events After Successful Trial". The Daily HODL. September 28, 2018. Retrieved October 26, 2018. "Stellar Payband Trial Run a Success in Chicago". Token Mantra. September 29, 2018. Retrieved October 26, 2018. "Jed McCaleb Reveals Stellar, His Previously Secret Bitcoin Project". Tom Simonite (8 April 2015). "A New Competitor for Bitcoin Aims to Be Faster and Safer". MIT Technology Review. Retrieved 20 November 2015. Giulio Prisco (17 April 2015). "The New Stellar Consensus Protocol Could Permit Faster and Cheaper Transactions". Bitcoin Magazine. Retrieved 20 November 2015. "draft-mazieres-dinrg-scp-04 - The Stellar Consensus Protocol (SCP)". datatracker.ietf.org. Retrieved 2018-10-18. — Preceding unsigned comment added by Thomp4ju (talk • contribs) 15:00, 1 November 2018 (UTC)