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ThreeD Capital $IDK.ca – #Bitcoin 2020: The Bottom is In and Prices are About to Surge, Several Analysts Claim #crypto $HIVE.ca $BLOC.ca $CODE.ca

Posted by AGORACOM-JC at 10:47 AM on Tuesday, January 7th, 2020

SPONSOR: ThreeD Capital Inc. (IDK:CSE) Led by legendary financier, Sheldon Inwentash, ThreeD is a Canadian-based venture capital firm that only invests in best of breed small-cap companies which are both defensible and mass scalable. More than just lip service, Inwentash has financed many of Canada’s biggest small-cap exits. Click Here For More Information.

Bitcoin 2020: The Bottom is In and Prices are About to Surge, Several Analysts Claim

  • Bitcoin corrected by over 50% from the 2019 high of $13,880.
  • With the retracement in the last six months, some analysts believe that the bottom is in.
  • The number one crypto is flashing accumulation signals convincing popular traders that the cryptocurrency has turned bullish in 2020.

Bitcoin may have started 2019 strong but ever since it posted a high of $13,880 in June, the top cryptocurrency has been correcting. It dropped to as low as $6,425 in December. At that point, bearish calls for a revisit to $5,000 levels were strong.

One analyst expecting bitcoin to drop to $5,000. | Source: Twitter

Those who have been waiting to buy below $6,000 have been left out. The digital gold is now trading above $7,000 and analysts are expecting bitcoin to leave this price area soon. Many see a base being formed, which can propel the number one cryptocurrency to greater heights early this year.

Analysts Claim Bitcoin Has Bottomed Out

After a weak second half of 2019, it appears that the worst is behind for the most dominant cryptocurrency. A number of widely-followed analysts on Twitter say that bitcoin is carving a bottom.

For instance, Faisal Sohail believes that the cryptocurrency has already tapped the bottom when it dropped to $6,475 in December. He believes that the digital asset will trade between $7,000 and $12,000 before the halving. ” alt=”” aria-hidden=”true” /> Bitcoin to start climbing before the May 2020 halving. | Source: Twitter

User Bitcoin Macro supports Faisal’s view. In an emphatic tweet, Bitcoin Macro exclaims that the bottom is already in. He also tells his followers not to get shaken out.

Majin, Crypto Twitter’s biggest bull, has also turned bullish after months of uncertainty. The liquidity game theorist believes bitcoin will take off and leave $7,000 behind.

Accumulation Pattern to Send Bitcoin Above $11,600

BTC has been range trading between $6,700 and $7,600 since November 20, 2019. That’s a $900 range over 45 days. To many analysts, this is a sign that a new base is being built to prepare bitcoin for the next leg up, hence, the call for a bottom.

Charles Edwards, head of digital investment firm Capriole, sees a potential accumulation pattern forming. More importantly, he believes that the bottom is already in. According to Edwards, his bias would be confirmed once bitcoin trades above $8,000.

Charles Edwards sees a Wyckoff accumulation pattern developing in bitcoin. | Source: Twitter

Edwards is not alone in seeing a pattern indicating that whales and other smart money investors are accumulating the largest cryptocurrency. Trader CryptoWolf also sees an accumulation pattern developing. His bias will be confirmed once the price goes above $8,090. A move above that level would also trigger the breakout from a large falling wedge.

CryptoWolf’s initial target is $9,550 and then $11,600.

Bitcoin needs to take out $8,090 to gain bullish momentum. | Source: Twitter

Traders Starting to Have a Rosy Outlook

With these signals, other traders are expressing their optimism on the prospects of the top cryptocurrency. The popular trader The Crypto Dog tweeted that he’s bullish on bitcoin.

It is not everyday that The Crypto Dog posts bullish tweets on bitcoin | Source: Twitter

The widely-followed Crypto Rand shares The Crypto Dog’s upbeat outlook on the dominant cryptocurrency. The Crypto Rand is also bullish on bitcoin | Source: Twitter

Is it a coincidence that the top analysts are tweeting bullish statements on bitcoin as the top cryptocurrency prints an accumulation pattern? Probably not. It’s very likely that these analysts are also seeing the bottom or base-building signals on the number one coin. If they’re right, then strap in. Bitcoin’s 2020 price action might start off with fireworks.

Source: https://www.ccn.com/bitcoin-2020-bottom-prices-about-to-surge/

#Palladium – The Prospects For A Repeat Performance SPONSOR: New Age Metals $NAM.ca $WG.ca $XTM.ca $WM.ca $PDL.ca $GLEN

Posted by AGORACOM-JC at 4:03 PM on Monday, January 6th, 2020

SPONSOR: New Age Metals Inc. The company owns one of North America’s largest primary platinum group metals deposit in Sudbury, Canada. Updated NI 43-101 Mineral Resource Estimate 2,867,000 PdEq Measured and Indicated Ounces, with an additional 1,059,000 PdEq Ounces Inferred. Learn More.

Palladium – The Prospects For A Repeat Performance

  • A fantastic year in 2019.
  • A rally for the ages since 2016.
  • A new decade poses threats to the rally.

Of the four precious metals that trade on the NYMEX and COMEX divisions of the Chicago Mercantile Exchange, palladium is the least liquid. As of December 27, the total number of open long and short positions in the gold futures market stood at 765,653 contracts, a record high representing 76.65 million ounces of the yellow metal. Silver’s open interest was at 225,753 contracts that contain a total of over 1.128 billion ounces of silver. A gold future represents 100 ounces of the metal, while a silver contract has 5,000 ounces.

In platinum, 98,042 contracts hold over 4.9 million ounces of platinum metal, as each contract is for 50 ounces. A palladium contract is for 100 ounces of the platinum group metal. As of December 27, 23,735 contracts represented 2,373,500 ounces. Markets with less liquidity when it comes to volume and open interest tend to be more volatile than those with higher degrees of liquidity. Palladium has lived up to that tendency since early 2016 as the price has been explosive on the upside. The Aberdeen Standard Physical Palladium Shares ETF product (PALL) replicates the price action in the palladium market. At the same time, the Aberdeen Standard Physical Precious Metals Basket Shares ETF (GLTR) holds palladium as well as gold, silver, and platinum bullion.

A fantastic year in 2019

Palladium was, by far, the best-performing precious metal that trades on the NYMEX or COMEX exchanges in 2019. Palladium’s price action was impressive considering that as of December 27, gold, silver, and even platinum have posted double-digit percentage gains compared to their closing prices as of December 31, 2018.

Source: CQG

As the weekly chart highlights, palladium moved from $1197.50 on the final day of 2018 to $1875.40 as of December 30, a gain of 56.6%. Palladium climbed to its most recent continuous contract high of $1963 per ounce in December while the March futures contract peaked at $1974.60.

Both price momentum and relative strength indicators were in overbought territory on December 30, but the metrics came down from recent highs given the correction on Friday, December 20. On the weekly charts, palladium put in a bearish reversal during the week of December 16. On a year-on-year basis, the total number of open long and short positions in the NYMEX palladium futures market edged lower in 2019, falling from 26,773 to 23,735 contracts from the end of 2018. Meanwhile, weekly historical volatility at 23.12% was just below the midpoint of the year for the metric.

2019 was such a good year for palladium that it was the best-performing commodity that trades on US exchanges of all during the period.

A rally for the ages since 2016

The bull market in palladium kept going in 2019, but it dates back four years to the beginning of 2016.

Source: CQG

The monthly chart illustrates what has been a parabolic trend in the precious metal since it found a bottom at $451.50 in January 2016. At $1875.40, the price was over four times higher since the 2016 bottom. Over four years, every price correction has been a buying opportunity in the precious and industrial metal. The most recent decline from $1963 to $1808.80 during the week of December 16 was looking like another opportunity to purchase palladium as the price recovered quickly to around the midpoint as of December 30.

A new decade poses threats to the rally

Palladium has been nothing short of a bullish beast since early 2016. The metal that cleanses toxins from the air in gasoline-powered automobile catalytic converters has experienced significant demand growth. With tighter pollution regulations around the world, and specifically in China, the requirements for the metal continue to rise.

The vast majority of palladium output each year comes from South Africa and Russia. According to Johnson Matthey, 2019 was the eighth consecutive year of a deficit between supply and demand in the palladium market, which continues to fuel price gains.

Source: Johnson Matthey

The chart shows that in May 2019, Johnson Matthey projected an 809,000-ounce deficit. The supply shortage was likely even higher as the price of the metal rose from a low of $1256.50 in early May to over $1875 per ounce at the end of 2019. The deficit remains significant as the total annual global output of the metal is around seven million ounces or 218 metric tons, and gross demand was 11.154 million ounces. While recycled metal provided additional supplies of 3.349 million ounces, it was not nearly enough to meet the growing demand.

While fundamentals could be telling us that the $2000 per ounce level will give way in 2020, platinum is a denser metal with higher resistance to heat than palladium.

Source: Johnson Matthey

The chart shows that Johnson Matthey projected that platinum would also move into a deficit in 2019 after a surplus weighed on the price of the precious metal in 2017 and 2018. Platinum rose from under $790 in May to the $958 per ounce level on December 30.

Meanwhile, at an over $900 per ounce discount to palladium, industrial consumers could begin to substitute platinum for palladium in 2020 as the deficit looks set to continue. Any improvement in global economic conditions would likely increase demand for both platinum and palladium in 2020.

The downside risk in the palladium market has increased dramatically, given the four-fold price increase since January 2016. The bearish price action and correction on December 20 could be a sign of things to come as volatility is likely to continue to rise with the price of the metal in 2020. Sudden price spikes to the downside could become the norm, and if the deficit expands, price vacuums to the upside could follow. Trading and investing in highly volatile commodities can be like riding a psychotic horse through a burning barn. The parabolic price action in the palladium market looks set to continue into the new decade. However, the path to higher prices could be a wild ride.

PALL is the palladium ETF product

The most direct route for a risk position or investment in palladium is via the physical market for bars and coins. The deficit and limited supplies can make premiums to the market price very expensive for these products. The NYMEX palladium futures have a delivery mechanism, which guarantees smooth convergence between physical and futures prices during delivery periods.

The Aberdeen Standard Physical Palladium Shares ETF product provides an alternative to physical or futures. The most recent holdings of PALL include:

Source: Yahoo Finance

PALL has net assets of $280.49 million, trades an average of 31,912 shares each day, and charges holders a 0.60% expense ratio. As of December 30, the price of palladium was 56.6% higher in 2019.

Source: Barchart

The chart shows that PALL moved from $119.05 on December 31, 2018, to $179.82 on December 30, 2019, an increase of 51% as it marginally underperformed the price action in the continuous palladium futures contract.

GLTR has some exposure to palladium, but is diversified

For those looking for a more diversified approach to precious metals in 2020, the Aberdeen Standard Physical Precious Metals Basket Shares ETF holds physical palladium as well as gold, silver, and platinum. The most recent top holdings of GLTR include:

Source: Yahoo Finance

GLTR has net assets of $463.08 million, trades an average of 24,328 shares each day, and charges holders a 0.60% expense ratio.

Source: Barchart

GLTR closed at $63.16 at the end of 2018. At $76.13 per share on December 30, the ETF product was a bit over 20.54% higher on the year.

Palladium looks like higher prices could be on the horizon in 2020 as the metal approaches the $2000 per ounce level. However, it could be a very bumpy ride as parabolic markets can suffer brutal setbacks. A 50% rise in 2020 would put palladium over $2800 per ounce. If the price of the metal is heading there, gold, silver, and platinum are likely to experience significant gains.

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Disclosure: I/we have no positions in any stocks mentioned, and no plans to initiate any positions within the next 72 hours. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article.

Additional disclosure: The author always has positions in commodities markets in futures, options, ETF/ETN products, and commodity equities. These long and short positions tend to change on an intraday basis.

Source: https://seekingalpha.com/article/4314566-palladium-prospects-for-repeat-performance

Tartisan #Nickel $TN.ca – Demand for nickel to spike due to growing demand for electric vehicles #EV $ROX.ca $FF.ca $EDG.ca $AGL.ca $ANZ.ca

Posted by AGORACOM-JC at 3:53 PM on Monday, January 6th, 2020

SPONSOR: Tartisan Nickel (TN:CSE)  Kenbridge Property has a measured and indicated resource of 7.14 million tonnes at 0.62% nickel, 0.33% copper. Tartisan also has interests in Peru, including a 20 percent equity stake in Eloro Resources and 2 percent NSR in their La Victoria property. Click her for more information

Tc logo in black

Demand for nickel in PH to spike due to growing demand for electric vehicles

By Antonio L. Colina IV

  • The nickel industry in the Philippines can expect a brighter prospect for 2020 as the global demand is expected to increase for the manufacturing of electric vehicles (EVs).

Cha Olea, Philippine Nickel Association (PNIA) executive director, said in an interview on Friday that the association has seen an increasing trend for electric vehicles worldwide, including the Philippines, leading to a possible industry boom as a result of a shift from fossil-run vehicles to more environment friendly electricity-run vehicles to curb carbon emission.

“The primary component of EV battery is nickel because of the batteries,” she said. Aside from nickel, Olea said the batteries also need cobalt and magnesium, but 50 percent of the batteries for EVs are made of nickel.

The executive added that manufacturing plants’ demand for stainless steel, which is also derived from nickel, would increase.

Members of the European Union targets to totally eradicate carbon emission by 2030, while the United States has been slowly replacing fossil-run vehicles with EVs, by offering incentives to owners of electric vehicles.

“Nickel has a very good prospect in the future, especially that Europe’s direction by 2030 is zero carbon emission. They are shifting to electric vehicles,” Olea said.

She said the Philippines is one of the biggest producers of nickel in the world, producing an estimated volume of 30 million metric tons last year. Of which, around 90% had been exported to China while the remaining 10% to Japan, Australia, and EU.

“Globally, they are looking for Philippines. Of course, we have to position ourselves strategically,” she said.

She noted that in the Philippines, some public utility vehicles had been replaced with e-tricycles and e-jeepneys.

Olea said at least 70% of the nickel ore extracted from the Philippines would be used for stainless steel, 3% for other components, 6% for batteries of EVs, 2% for castings, 6% for plating, 9% non-ferrous metals, and 4% for alloy steel.

She said the new opportunities in the global market would benefit the domestic nickel industry. According to her, the mining industry in the Philippines employs some 250,000 workers. (Antonio L. Colina IV / MindaNews)

Source: https://www.mindanews.com/top-stories/2020/01/demand-for-nickel-in-ph-to-spike-due-to-growing-demand-for-electric-vehicles/

Physician Groups Order The Heartcheck(TM) Cardibeat For In-Home Arrhythmia And Atrial Fibrillation Monitoring – CardioComm Solutions $EKG.ca $ATE.ca $TLT.ca $OGI.ca $ACST.ca $IPA.ca

Posted by AGORACOM-JC at 2:22 PM on Monday, January 6th, 2020

Patient Self-Monitoring Extends Physicians’ Reach for Proactive Monitoring of Atrial Fibrillation Recurrence and any Arrhythmia.

  • Confirms market traction with orders being placed by physician groups for the newly launched HeartCheck™ CardiBeat Handheld ECG monitor and GEMS™ Mobile Smartphone app for prescribed in-home arrhythmia monitoring
  • Dr. Yaariv Khaykin, Physician Lead at PACE and Chief Medical Information Officer at Southlake Regional Health Centre, stated, “We are very excited at the opportunity to introduce the use of this home-based ECG/arrhythmia monitoring technology to our patients empowering them to take greater charge of their health.”

TORONTO, ONTARIO / January 6, 2020 / CardioComm Solutions, Inc. (TSX VENTURE:EKG) (“CardioComm” or the “Company“), a global provider of consumer heart monitoring and electrocardiogram (“ECG“) device and software solutions, confirms market traction with orders being placed by physician groups for the newly launched HeartCheck™ CardiBeat Handheld ECG monitor and GEMS™ Mobile Smartphone app for prescribed in-home arrhythmia monitoring.

Partners in Advanced Cardiac Evaluation (“PACE“), the largest arrhythmia practice in Ontario (Canada) placed a first order of the HeartCheck™ CardiBeat Handheld ECG monitors and is recommending its patients to use the devices for one year of in-home, self-monitoring with an emphasis on detecting a recurrence of Atrial Fibrillation (“AF“) following cardiac ablation treatment for AF. The Company confirms that additional hospital affiliated physician groups have also purchased the HeartCheck™ CardiBeat ECG devices for evaluation in their respective practices with additional orders expected in early 2020.

AF is a life-threatening arrhythmia that is difficult to treat. Cardiac ablation is a procedure commonly used to correct AF; however, AF recurrence after ablation is common and can be “silent”, occuring without any symptoms, discomfort or warning to the patient (See Note 1). PACE patients will use the GEMS™ Mobile Smartphone app to record ECGs taken by the HeartCheck™ CardiBeat which will then be automatically forwarded by CardioComm’s SMART Monitoring ECG service directly into the patient’s cardiologist’s Electronic Medical Record (“EMR”). Should any submitted ECG recordings show a recurrence of AF or a presence of other cardiac arrhythmias, the patients are contacted by PACE and follow-up visits scheduled. ECG reports generated through GEMS™ Mobile are eligible for medical service reimbursement in both Canada and the US.

Dr. Yaariv Khaykin, Physician Lead at PACE and Chief Medical Information Officer at Southlake Regional Health Centre, stated, “We are very excited at the opportunity to introduce the use of this home-based ECG/arrhythmia monitoring technology to our patients empowering them to take greater charge of their health.”

The GEMS™ Mobile app is available in Android and Apple Smartphone compatible versions as a free downloadable app and allows users to generate unlimited ECG reports to show to their physician. The app also allows users to request their ECG to be reviewed by CardioComm’s SMART Monitoring ECG reading service where the user does not have direct connectivity to their treating physician.

To learn more about CardioComm’s products and for further updates regarding HeartCheck™ ECG device integrations, please visit the Company’s websites at www.cardiocommsolutions.com and www.theheartcheck.com.

Note 1: Heart Rhythm Journal – 2017 HRS/EHRA/ECAS/APHRS/SOLAECE expert consensus statement on catheter and surgical ablation of atrial fibrillation: Executive summary

About CardioComm Solutions

CardioComm Solutions’ patented and proprietary technology is used in products for recording, viewing, analyzing and storing electrocardiograms for diagnosis and management of cardiac patients. Products are sold worldwide through a combination of an external distribution network and a North American-based sales team. CardioComm Solutions has earned the ISO 13485:2016 MDSAP certification, is HIPAA compliant and holds clearances from the European Union (CE Mark), the USA (FDA) and Canada (Health Canada).

FOR FURTHER INFORMATION PLEASE CONTACT:

Etienne Grima, Chief Executive Officer

1-877-977-9425 x227

[email protected]

[email protected]

Forward-looking statements

This release may contain certain forward-looking statements and forward-looking information with respect to the financial condition, results of operations and business of CardioComm Solutions and certain of the plans and objectives of CardioComm Solutions with respect to these items. Such statements and information reflect management’s current beliefs and are based on information currently available to management. By their nature, forward-looking statements and forward-looking information involve risk and uncertainty because they relate to events and depend on circumstances that will occur in the future and there are many factors that could cause actual results and developments to differ materially from those expressed or implied by these forward-looking statements and forward-looking information.

In evaluating these statements, readers should not place undue reliance on forward-looking statements and forward-looking information. The Company does not assume any obligation to update the forward-looking statements and forward-looking information contained in this release other than as required by applicable laws, including without limitation, Section 5.8(2) of National Instrument 51-102 (Continuous Disclosure Obligations).

Neither TSX Venture Exchange nor its Regulation Services Provider (as that term is defined in policies of the TSX Venture Exchange) accepts responsibility for the adequacy or accuracy of this release.

SOURCE: CardioComm Solutions, Inc


View source version on accesswire.com:
https://www.accesswire.com/572152/Physician-Groups-Order-The-HeartcheckTM-Cardibeat-For-In-Home-Arrhythmia-And-Atrial-Fibrillation-Monitoring

The Future Of #Edtech And Learning In India From An AR/VR Lens SPONSOR: BetterU Education Corp. $BTRU.ca $ARCL $CPLA $BPI $FC.ca

Posted by AGORACOM-JC at 11:57 AM on Monday, January 6th, 2020
SPONSOR:  BetterU Education Corp. aims to provide access to quality education from around the world. The company plans to bridge the prevailing gap in the education and job industry and enhance the lives of its prospective learners by developing an integrated ecosystem. Click here for more information.

The Future Of Edtech And Learning In India From An AR/VR Lens

  • Educators around the globe today have realised that AR/VR are big breakthroughs when it comes to learning — for a method as well as outcomes.
  • As Ankur Aggarwal, founder of VR-based edtech startup Veative told us the enduring objective of edtech is to improve the yearning to learn and AR/VR helps implement it in a spectacular manner.

By: Meha Agarwal

In the 21st century, technology is taking over education — be it skill-building programmes in universities, real-world technical training and learning of abstract concepts in schools. The shift from conventional means to experiential methods of transacting learning has seen new-age technologies like augmented reality (AR), virtual reality (VR) and mixed reality — a combination of AR/VR — have been playing a key role in driving learning and edtech engagement.

Educators around the globe today have realised that AR/VR are big breakthroughs when it comes to learning — for a method as well as outcomes. As Ankur Aggarwal, founder of VR-based edtech startup Veative told us the enduring objective of edtech is to improve the yearning to learn and AR/VR helps implement it in a spectacular manner.

“AR/VR has great potential in democratising the educational process and making it a personalised learning experience for learners of all stripes. AR/VR is not a gimmick when deployed correctly. They allow learners to explore abstract concepts in a distraction-free environment and allow them to connect with the concept,” Aggarwal added.

And that is not a lone opinion. Vivek Goyal, cofounder of AR edtech startup Playshifu, emphasises that learning today means much more than just remembering the facts. Anumukonda Ramesh, country manager for the Indian subcontinent, Unity Technologies, one of the biggest gaming engines in the world, also ascertains that the Indian education system needs to leverage new technologies in order to stay relevant in an ever-changing world.

What Is The Difference Between AR And VR?

While both are visual technologies that rely on non-traditional interactions, AR and VR are fundamentally different. When used together, it is often referred to as mixed reality. Reliance Jio is looking to make mixed reality mainstream in India with the acquisition of deeptech startup Tesseract which has made an MR product called Holoboard.

Simply put, augmented reality or AR is a multi-sensory interactive experience that involves real-world elements in a virtual environment. It is known to offer perceptually-enriched experiences to users by using real-world elements and adding a layer of information or visual aid on top of it in a natural manner.

The most common examples of AR technology is seen in animated emojis these days on smartphones such as Apple iPhones, Samsung Galaxy series and more. In the industrial context, AR applications can help with on-the-go learning for maintenance and troubleshooting, systems maintenance work and other computer-aided learning and training.

On the other hand, virtual reality is a simulated experience that can either offer a very realistic virtual experience that mimics the real world or fantastically new visual experiences that transcend the boundaries of reality and surrealism. Currently, standard virtual reality systems either use VR headsets or multi-projected environments to generate images, sounds and other sensations. VR applications have found use in healthtech, edtech and consumer services sectors.

What Future Does AR/VR Have In Edtech?

As PlayShifu’s Goyal explains, we can broadly divide formal education into three segments — early, secondary and tertiary learning (higher education). For early learners, playing is the way to learn and AR/VR can make a significant impact as it enhances any play experience 10x. Learning about core fundamental skills like alphabets, numbers, logical reasoning can be made so much more fun and engaging with AR-enabled gameplay.

“For more advanced ages, we are already seeing a lot of hardware development being done in terms of AR glasses. These will enable grasping and practicing concepts more profoundly with the help of life-size 3D animated content that students can manipulate and observe in their learning space,” Goyal added.

Here are the primary reasons why AR/VR are believed to be the future of learning and education.

  1. Boosts Learning Retention
  2. Personalised Learning Experiences
  3. Increases Possibilities Of Experimentation
  4. Reduces Reliance On Learning By Rote
  5. Empowering Educators And Learners
  6. Encouraging Active Learning

The founders we spoke to believe that AR and VR technology can have an impact not just for young ages but also for reskilling, corporate learning, industrial applications and more.

AR/VR Boosts Learning Retention

Veative’s Aggarwal adds example of the ‘Cone of Learning’, created in 1969 by US educator Edgar Dale. Aggarwal explained that after two weeks, the human brain tends to remember just 10% of what it has read, 20% of what it hears, 30% of what it sees and up to 90% of the actions performed or simulated.

This means immersive and innovative digital tools will facilitate experiential learning in more effective ways. This will enhance the learning process and help learners connect multiple concepts, work at their own pace and according to their level of proficiency.

Related Article: Current Reality Of Augmented Reality And Virtual Reality In Indian Market

Highly Personalised Learning Experiences

This brings us to personalised learning. Interactivity is the key reason why AR/VR is so attractive for education purposes and this purpose get more value when AI is introduced with this technology. This will provide highly personalised learning experiences based on learning patterns and behaviour. The seamless integration of AR and VR in the education landscape will help to personalise learning and upskill learners.

Other entrepreneurs such as Simulanis founder Raman Talwar and Skillveri founder Sabarinath Nair also agreed with this. “We are witnessing a transgression from one-size-fits-all learning methodology to a personalised and experiential one, where learners’ learn by doing,” Talwar told us.

Increases Possibilities Of Experimentation

Unity’s Ramesh added that AR/VR provide safe sandboxes for complex learning exercises, like giving children their own virtual chemistry lab to kindle experimentation.

To cite an example, Apple’s ARKit platform is an incredible leap towards immersive learning. It helps teachers create AR experiences in which students explore 3D models of the human body. With its advanced detection feature, they can see a computer-generated, detailed simulation of the male and female anatomy. And what’s more, they can manually trigger motions between the different parts of the human body in the virtual space.

“Not only does this enable learners to visualise and design different scenarios, but it also improves their manual dexterity. Thus, it ensures a higher level of motivation and engagement,” added Next Education’s CEO and founder Beas Dev Ralhan.

Reducing Reliance On Learning By Rote

Next Education’s Ralhan further adds that the biggest advantage of using AR in the classroom environment is that it offers visually-impressive experiences. AR/VR-based immersive and experiential learning environment creates chances for focus and attention on a topic or idea, which should positively affect retention rates of the subject matter.

“An open and enthusiastic mind, in a distraction-free environment, means that there is a far greater chance to get to higher-order thinking skills, which are always more difficult to learn and to teach,” added Veative’s Aggarwal.

Empowering Educators And Learners

Educators too have a lot to benefit from leveraging AR/VR techniques for teaching, paired with the right content. Regardless of the medium, content is king, and always will be, edtech startups told us. Just like textbooks, without the right content, VR headsets will only gather dust on a shelf.

With virtual labs, social media learning, and gamification, learning can be made more engaging for learners and students. We will see AR/VR could open a wide range of simulations. Books in the future could be digital, infused with AR technology and educators can place helpful milestones in the real world for students to stumble upon for practical and hands-on learning. Subjects and digital counterparts of real-world objects will make delivery of lessons simpler. New games with AR-enabled assistants and immersive VR experiences can revolutionise the learning and coaching experience for students.

Encouraging Active Learning

The AR/VR is a uniquely personal experience and should be used as such. If providing a distraction-free environment which promoted focused concentration on a subject was the only benefit to VR, then that alone might be enough to justify using this tool.

Veative’s Aggarwal added that learners have a natural curiosity about VR. “We never have a problem getting them interested in using the VR. This very simple fact means that a young learner is coming into the device with an open and curious mind, which is the best starting point for learning to happen.

What Is The Market Opportunity For AR/VR In Edtech Space?

The education sector is forecast to spend more than $6 Bn annually on augmented and virtual reality technologies by 2023, said Simulanis’ Talwar. “Funding for the technologies remains a major hurdle to adoption, but price points for equipment are dropping rapidly, according to a new market forecast from ABI Research,” he added.

Another report, “Augmented and Virtual Reality in Education,” added that the market for augmented reality in education will hit $5.3 Bn in 2023, with the market for virtual reality head-mounted displays trailing at $640 Mn.

Further, as Playshifu’s Goyal highlighted, anything that comes at a relatively low cost is a big win for the schools. “As AR/VR hardware and experiences hit sub-$300 price point in the next five years, we anticipate a wave of mass adoption,” he said.

Ralhan also indicates towards the role AR/VR will be playing in building future workforce. The government plans on building the first augmented-reality based skill training center in IIT (Banaras Hindu University) in Varanasi. Furthermore, since AR applications can work on most modern smartphones, students do not have to spend extra money on devices.

“Such initiatives call for more active participation from AR solution providers in India such as Simulanis, Hedgehog Lab, IndiaNIC Infotech Limited, Hyperlink InfoSystem, Chetu, Plutomen, and Intellify,” added Ralhan.

AR/VR Trends, According To Edtech Startups

Classrooms in the future will not look like they do today. Founders believe that AR will see a prominent push in the next 3 to 5 years in India, and most schools will have dedicated tools. Higher education will see faster adoption for AR and VR tools, given that the technology is already present in such institutions.

India being the second-largest consumer of mobile phones (nearly 800 million) AR/VR offers students the flexibility to access educational content seamlessly across devices. It could also open an opportunity for social collaboration and spatial communication in a room-scale environment, where teachers can teach students remotely, and students can collaborate on various interactive and immersive experiences.

As the saturation point for regular school content is reached, more companies would start focussing on the vocational training using AR/VR content and simulations, in addition to the regular K-12. While these applications are at a nascent stage currently, the central government is working on promoting digital learning and improving teaching standards.

The Existing Gaps In AR/VR Adoption In Education?

Skillveri’s Nair highlighted a crucial challenge for AR/VR startups here. “These technologies have to be seen as a means to an end, instead of an end in itself. A framework is to be used to decide if a particular content or concept will be better delivered through AR/VR, instead of mindlessly applying the technology for everything,” he told Inc42.

The biggest barrier is the lack of knowledge about AR/VR across the education ecosystem. Additionally, the existing curriculum has a proven record of its efficacy, whereas AR/VR, being a new technology, still needs approval by the school management hierarchy involving teachers, and principals.

“The decision-making process should be streamlined in such a way that relevant information about new tools are collected, experimented and finally deployed to provide unprecedented learning opportunities to the students,” said Talwar.

Here are some other existing challenges in the sector, according to entrepreneurs:

Cultural Diversity: For a country as diverse as India — in terms of social, economic, linguistic, and cultural conditions—like India, making a uniform and standardised AR-enabled school curriculum is difficult. Unless private firms bring the costs down and make content more region-specific, state governments will not give adequate subsidy in the purchase and distribution of learning material, or bring AR support to schools.

Learning Capacity Variance: Despite the fact that AR is made to be self-learning with comprehensive guidelines for first-time learners, not all students have the same learning capacity or grasping potential. Therefore, adequate educator training is also very important in AR.

Financial Constraints: State-run schools far outnumber private schools in India. The majority of these schools have severe financial constraints, so public-private partnerships can help these schools to re-establish themselves to become part of the new revolution in the teaching-learning process.

Lack Of Technical Know-How: AR/VR isn’t simple or intuitive for first timers. There are regions in India where computer skills are missing among teachers and students. So VR developers should keep in mind about tech illiterate population for VR to truly shine in education circle.

Shallow or Inadequate Learning Content: While VR content developers have more recently gained prominence, most learning content is not deep enough to have an impact or borders on the cartoonish or childish. It’s hard to create the diversity of content required for all kinds of learners. And most founders believe it will take a long time to bring relevant VR content for all use-cases.

The Evolution Of Edtech Innovation

India is on the brink of an evolution in its education ecosystem. This is perhaps the most exciting and disruptive stage of this sector and innovators are ready to redesign the future of learning.

2020 is expected to be the start of a new era in online learning, with edtech creating big waves. Learning and schools will incorporate concepts of global collaboration, personalised learning, simulations, AI, real-world learning systems, mobile classrooms and immersive learning experiences.

As Ajit K. Chauhan, chairman, Amity University Online and Amity Future Academy told us with an influx of educational technologies it is very likely that the future years will see further integration of blockchain, cloud computing, AR/VR, collaborative learning and edge computing.

“Artificial intelligence is emerging as an integral part of the eLearning ecosystem. We see several AI educational solutions coming to the fore. It is predicted that AI can fill the need-gaps in learning and teaching. It is expected to broaden the purview of schools and teachers.”

Source: https://inc42.com/features/what-is-the-future-of-edtech-and-learning-in-india-from-an-ar-vr-lens/

ThreeD Capital $IDK.ca – Hundreds of Institutions Are Already Investing in Crypto: Coinbase CEO #crypto $HIVE.ca $BLOC.ca $CODE.ca

Posted by AGORACOM-JC at 10:34 AM on Monday, January 6th, 2020

SPONSOR: ThreeD Capital Inc. (IDK:CSE) Led by legendary financier, Sheldon Inwentash, ThreeD is a Canadian-based venture capital firm that only invests in best of breed small-cap companies which are both defensible and mass scalable. More than just lip service, Inwentash has financed many of Canada’s biggest small-cap exits. Click Here For More Information.

Hundreds of Institutions Are Already Investing in Crypto: Coinbase CEO

By: Joseph Young

According to the CEO of one of the biggest cryptocurrency exchanges globally, institutions are already actively investing in the emerging asset class and the trend is likely to continue throughout 2020.

Will institutions further bolster the crypto market in 2020?

Prior to 2019, institutional investors only really had Bitcoin Investment Trust (GBTC) by Grayscale and CME Group’s futures market to invest in bitcoin.

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Starting mid-2019, a growing number of exchanges and regulated service providers have started to provide custodial solutions targeting institutions. It led to the establishment of a more efficient and stable environment for institutions to invest in cryptocurrency.

Armstrong said:

“We’ve already started to see small institutions enter the cryptocurrency space. Hundreds have joined Coinbase Custody in the past 18 months. I would expect this rapid growth to continue in 2020, with larger and larger institutions coming on board. Eventually just about every financial institution will have some sort of cryptocurrency operation, and most funds will keep a portion of their assets in cryptocurrencies, partially due to the uncorrelated returns.”

Both Bakkt and cryptocurrency exchanges offering custodial solutions are yet to see large volumes, mostly because it takes time for institutional infrastructure to become more established.

“Bakkt will be likely first a trickle and then a flood. The reality is that most regulated futures contracts get low adoption on day1 simply b/c not all futures brokers are ready to clear it, many ppl want to wait and see, the tickers are not even populated on risk systems, etc,” Three Arrows Capital CEO Su Zhu said.

Independent funds seeing more institutional inflow

Despite a noticeable decrease in deal value in the latter half of 2019, in October of last year, Anthony Pompliano of Morgan Creek Digital said that the firm’s crypto fund secured $60 million from institutional investors.

Source: https://www.newsbtc.com/2020/01/06/hundreds-of-institutions-are-already-investing-in-crypto-coinbase-ceo/

NORTHBUD $NBUD.ca – Teas and edibles and vapes, oh my! $CGC $ACB $APH $CRON.ca $HEXO.ca $OGI.ca

Posted by AGORACOM-JC at 9:21 AM on Monday, January 6th, 2020

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Teas and edibles and vapes, oh my!

By: Kyle Mack

The latest in cannabis products will be available for legal sale in Ontario.

The Ontario Cannabis Store (OCS) is releasing 59 new products including edibles, beverages, lotions, and concentrates in stores today but online Jan 16.

Prices of edibles range from $7.50 to $16 per item while beverages can cost between $4 to $10 and vapes falling between $25 – $125. Daniel Safayeni, Director of Policy at The Ontario Chamber of Commerce has previously released a statement on the THC limit per edible stating,

“The OCC supports a THC limit of 10-milligrams per discrete unit of edibles, as well as the sale of multi-packs or multiple products—up to a maximum of 100-milligrams of THC per package—within child-proof packaging. As we outline in the report, single-packs are costly, while multi-packs would allow licensed producers to create economies of scale. The proposed regulations, however, limit the amount of THC per package to only 10 milligrams, which is significantly lower than illegal alternatives and lower in other U.S. jurisdictions where recreational cannabis is legal”.

The THC cap may act as a barrier to shifting cannabis shoppers from making illicit purchases, where higher THC contents can be found.

For more information on edibles, visit the Ontario Cannabis Store.

Source: https://www.bttoronto.ca/2020/01/06/teas-and-edibles-and-vapes-oh-my/

NORTHBUD $NBUD.ca – Edibles, vapes and tea coming to legal Ontario cannabis shops Monday $CGC $ACB $APH $CRON.ca $HEXO.ca $OGI.ca

Posted by AGORACOM-JC at 2:38 PM on Friday, January 3rd, 2020

SPONSOR: NORTHBUD (NBUD:CSE) Sustainable low cost, high quality cannabinoid production and procurement focusing on both bio-pharmaceutical development and Cannabinoid Infused Products. Learn More.

Edibles, vapes and tea coming to legal Ontario cannabis shops Monday

  • Ontario’s cannabis distributor says dozens of new marijuana products will be available in retail shops starting Monday but supplies will be limited.
  • Unveiled 59 new items today including a variety of vapes, edibles and a tea.

TORONTO – Ontario’s cannabis distributor says dozens of new marijuana products will be available in retail shops starting Monday but supplies will be limited.

The Ontario Cannabis Store unveiled 59 new items today including a variety of vapes, edibles and a tea.

The products will be available in the province’s legal cannabis retail stores starting next week and Cannabis edibles to hit store shelves in January.

The distributor estimates that products will be in short supply until March as manufacturers ramp up production to meet demand.

The number of products will grow to 100 in the coming months as they receive regulatory approval.

The OCS says the new selection will help it combat black market sales across the province.

Source: https://globalnews.ca/news/6362213/ontario-cannabis-store-edibles-vapes-tea-retail-shops/

Tartisan #Nickel $TN.ca – Hike in nickel’s global demand seen $ROX.ca $FF.ca $EDG.ca $AGL.ca $ANZ.ca

Posted by AGORACOM-JC at 12:21 PM on Friday, January 3rd, 2020

SPONSOR: Tartisan Nickel (TN:CSE)  Kenbridge Property has a measured and indicated resource of 7.14 million tonnes at 0.62% nickel, 0.33% copper. Tartisan also has interests in Peru, including a 20 percent equity stake in Eloro Resources and 2 percent NSR in their La Victoria property. Click her for more information

Tc logo in black

Hike in nickel’s global demand seen

ROBERTO A. GUMBA JR.   January 3, 2020

THE nickel mining industry group is bracing for the possible increase in the global demand of nickel brought about by the boom of electric vehicles.

“The direction globally is really the EV (electric vehicle) industry and we have that global competitiveness because more than 50 percent of the component of the entire electric vehicle is really nickel. The batteries itself and the body need more nickel,” Philippine Nickel Industry Association (PNIA) Executive director Charmaine Capili said in a press conference, Friday.
Capili explained battery companies are currently experimenting on putting more nickel mineral in batteries for electric vehicles.

“At present, the composition of the battery that is being used is six nickel, two cobalt, and two magnesium. [By] Late 2018, they already tried to use eight nickel, one cobalt, and one magnesium because they said it has lower production cost and higher efficiency, but they still have to test the durability and further its efficiency,” she said.

She said the growing demand for nickel is also foreseen in the goal of European countries to have zero-carbon emission by 2030 by shifting to electric vehicles.

She added that the demand is not only exclusive to other countries as it has been observed in the Philippine transportation.

“Daghang mga LGUs (local government units) karon nga naga-shift na especially sa Manila e-trike, e-jeep (A lot of LGUs right now are shifting into using electric-powered tricycle and electric-powered jeepneys),” Capili said.

Apart from batteries, she said the stainless steel used for the body of electric vehicles also has nickel in it.

Although the Philippines is one of the largest producers of the mineral’s ore along with Indonesia which is leading in the industry, she admitted there are still factor preventing the country to compete globally.

She said among the challenges are the limitations of exploring other areas because of the moratorium imposed by Executive Order (EO) 79.

“May limitations po sa explorations, no new permits. Kung ano lang yung na approved [areas] for existing operations, doon lang (We are only allowed to mine on those areas approved for operations),” she said.

“We have 9 million hectares available in the Philippines for minerals that is copper, gold, nickel. But the Philippines right now is only maximizing only 2 percent out of the 9 million [hectares], and out of the 2 percent, only 1 to 1.5 percent is operating. There is a very big potential,” she said citing data from the Department of Environment and Natural Resources – Mines and Geoscience Bureau (DENR-MGB).

She shared other challenges confronting the industry is the amount of resources, the low grade of nickel, high cost of electricity to process the mineral, and the technologies of extracting ores or for processing it.

Capili bared that to address these issues, PNIA, an association of seven mining companies operating in Surigao, Palawan, and Agusan is working with the DENR and the Department of Trade and Industry to establish a Nickel Industry Roadmap.

She said the roadmap also aims to create stable policies for the nickel mining industry and other industries reliant on nickel as well as programs that promote the sustainability of nickel mining in the country.

She also hoped that the moratorium will be lifted soon for the country to be globally competitive.

“Hopefully, by middle of this year, we can already share and launch the roadmap but we are still creating the composition of the Technical Working Group because we want to get inputs from the government, business sectors, European Chamber of Commerce in the Philippines, the Electric Vehicles Association of the Philippines, other nongovernmental organizations and academe,” she said.

Source: https://www.sunstar.com.ph/article/1838455

ThreeD Capital Inc. $IDK.ca – Why 2020 will be a big year for #crypto $HIVE.ca $BLOC.ca $CODE.ca

Posted by AGORACOM-JC at 11:36 AM on Friday, January 3rd, 2020

SPONSOR: ThreeD Capital Inc. (IDK:CSE) Led by legendary financier, Sheldon Inwentash, ThreeD is a Canadian-based venture capital firm that only invests in best of breed small-cap companies which are both defensible and mass scalable. More than just lip service, Inwentash has financed many of Canada’s biggest small-cap exits. Click Here For More Information.

Why 2020 will be a big year for crypto

  • 2020 is going to be a big year for crypto. 
  • The “Crypto Winter” of 2018/2019 flushed out much (but certainly not all) of the nonsense, and the market has significantly matured over the last few years.

In 2020, I expect accelerating crypto asset adoption, and key building blocks will come into place for crypto to achieve its long-term potential of revolutionizing how value is stored and transferred around the world. 

I think my 85 theses from ~7 months ago have aged pretty well. Here, I’ll focus on the 15 most impactful developments I expect to see in 2020.   

Institutional Investing 

  • The Global Macro Investors Come In

Ray Dalio clearly laid out the global macro thesis for crypto when he said:

“So, the big question worth pondering at this time is which investments will perform well in a reflationary environment accompanied by large liabilities coming due and with significant internal conflict between capitalists and socialists, as well as external conflicts. It is also a good time to ask what will be the next-best currency or storehold of wealth to have when most reserve currency central bankers want to devalue their currencies in a fiat currency system.”

Ray’s conclusion was to buy gold. In 2020, I believe large global macro hedge fund investors (potentially even Ray) will publicly take the position that bitcoin is a logical asset to hold if you believe this narrative.

  • Traditional Asset Managers Continue to Trickle In

I am very encouraged by the State Street survey indicating 94% of their clients hold digital assets or related products, and a survey of endowment funds in which 94% of them stated that they invested in crypto assets over the last year.

I expect these types of traditional asset managers to continue to show strong interest in crypto in 2020, but do not expect massive inflows from this segment. 

The primary reason for this is that portfolio manager incentives are not conducive to encouraging large crypto allocations.  Currently, crypto is still a non-consensus investment. If a portfolio manager gets behind investing in crypto, and it does well, they probably get a nice bonus (but not the types of payouts available to those investing their own money or 2/20 hedge funds); however, if it does poorly (or they lose money in an operational issue like an exchange hack), they get fired for losing client funds in “magical internet money.”

The portfolio manager who sticks with the consensus position of not taking a meaningful bet on crypto keeps their cushy job. Eventually, I believe the consensus will shift to the position that crypto has a role to play in a diversified portfolio, but not this year.  

Retail Investing 

  • Bitcoin Derivatives Trading Grows, Altcoin Trading Shrinks

For active retail traders looking for quick gains, long-tail altcoin trading was once the place to find the volatility and potential they sought.

Now, with altcoins down 90%+ from highs, active traders are increasingly moving to leveraged bitcoin derivatives trading, which offers the volatility they seek, in an asset that is not on its way to zero. 

I expect volumes on U.S. regulated crypto derivatives exchanges (e.g., CME, Bakkt) to grow strongly, but the center of activity this space will continue to come from exchanges that cater to non-U.S. retail traders (BitMEX and the like).

  • Stats Get Stacked (and Earn Interest)

While derivatives are great for active traders, the more important developments for those accumulating crypto are those that enable them to easily grow their holdings.

In 2020, this will happen in two ways: 1) The ability to earn crypto for retail activity will accelerate as more ecommerce and payment companies integrate this into their offerings, and 2) Crypto holdings will increasingly migrate to places where they earn interest, such as BlockFi, Celsius, and Voyager. 

  • Automated Tax-Loss Harvesting Becomes Available

Crypto taxes are a disaster not only due to the horrendous reporting from many exchanges but also because investors are missing out on the ability to significantly reduce their taxes via automated tax-loss harvesting.

Personal Capital and robo-advisors made tax-loss harvesting mainstream for traditional assets, and in 2020, this will finally come to crypto (along with better tax reporting).  

Market Structure

  • Fewer Exchanges, More Brokerages

The number of crypto exchanges exploded over the last few years. In 2020, I expect this to rationalize. Exchanges are inherently network effect businesses (liquidity begets liquidity), and smaller players will fall behind, and either be acquired, fold, or pivot their business models.

I expect those that excel at acquiring and servicing customers will become brokerages and source their liquidity from other exchanges or large liquidity providers.  

  • Use of Third-Party Custodians Increases

Exchanges and brokerages will increasingly use third-party custodians as they focus on their core competencies. This will make the market safer (as assets are custodied with best-in-class providers) and will eventually increase capital efficiency, as assets held at major custodians will provide buying power across multiple exchanges.  

The emergence of instant crypto settlement solutions (think Silvergate Exchange Network for crypto) from large crypto custodians will also be a major development in 2020, and further increase the utility of market participants holding their assets with these custodians.

  • Crypto Friendly Banks Scale 

Obtaining fiat banking accounts and payment services has been, and will continue to be, one of the biggest issues for crypto companies. Around the world, large risk adverse banks will continue to shy away from banking the crypto industry, providing an opening for new entrants and smaller players to fill the gap as technology-driven intermediaries, or full-stack de novo banks. In 2020, I expect some new entrants to run into significant issues with regulators, while those that are able to navigate regulatory pressures will scale impressively.    

  • Lending Market Grows

The crypto lending/borrowing market flourished in 2019, let by companies such as Genesis, BlockFi, and Celsius.

I expect volumes will continue to significantly expand in 2020 across several vectors: 1) Traders borrowing crypto to short and overcome capital inefficiencies, 2) Investors borrowing dollars using their crypto as collateral (much more tax efficient then selling), and 3) Crypto companies becoming de facto banks by taking stablecoin deposits and making stablecoin loans. 

  • Counterparty Risk Flares Up

The counterparty risks from holding assets with exchanges (e.g., hacks) and payment processors (e.g., Bitfinex / Crypto Capital debacle) have been the most notable to date.

This year, counterparty risk from defaults by uncollateralized crypto borrowers and from direct counterparties failing to deliver on trades (i.e., Herstatt Risk) could also come to light if we see significant downside volatility. 

These are likely to be smaller flare-ups vs. systematic blow-ups and will help the market mature as market participants become more discerning in selecting counterparties and using solutions to minimize these risks. 

Stablecoins

  • USD Stablecoin Market Cap and Volumes Accelerate

Tether’s remarkable resilience has demonstrated insatiable demand by market participants not directly served by U.S. banks to have USD denominated accounts to settle trades and store value. Despite significant regulatory uncertainty, I expect Tether’s market cap to continue to continue to grow in 2020. 

The regulated fiat-backed USD stablecoin market (USDC, TUSD, PAX) will experience huge growth rates (off a relatively small base) as they become the money transfer rail for use cases the need a solution that 1) is regulated and 2) runs on a open network (anyone with a crypto wallet can send/receive).

This will be a compelling position that sits between the Silvergate Exchange Network (regulated + closed network) and Tether (unregulated + open network).

  • International Stablecoins Grow

I expect stablecoins for many other major currencies will also start to gain traction as a regulated, open money movement rail for those currencies. 

Longer term, things get really interesting as liquid markets develop between stablecoins of various currencies and provide a 24/7, global, highly efficient FX market that is accessible to everyone (and sidesteps the correspondent banking system). Eventually, I expect the market cap of stablecoins will surpass that of bitcoin. 

  • Central Bank Digital Currencies (CBDCs) Remain Mostly Conceptual

Most contemplated CBDCs are significantly different than stablecoins such as USDC. With CBDCs, the recordkeeping of the value owned by individuals and businesses is centralized with a central bank. There are only a few situations where a central bank / government is likely to take over this recordkeeping function (e.g., China).

I do not expect any major CBDCs to be launched in 2020 (other than small scale PoCs) but do expect significant developments in 2021 and beyond. 

Emerging Markets Usage

  • Emerging Market Adoption Continues to Grow

The adoption of crypto assets in markets with hyperinflation has grown significantly and will continue to do so. The interesting question will be if bitcoin or stablecoins emerge as the primary winner in these regions.

My heart hopes that it’s bitcoin, but my head says it will be stablecoins. 

DeFi

  • Impressive Innovation, Little Adoption

The most innovative developments in crypto continue to be in DeFi (decentralized lending, derivatives, exchange, prediction markets, etc.), but 2020 breakout growth in this area is highly unlikely.

Currently, these solutions simply do not solve problems better than centralized options, and each of the smart contract platforms have issues that will complicate adoption (with ETH it is the complexity of their development roadmap).

Bullish on DeFi long-term, but not this year.

Source: https://www.theblockcrypto.com/post/51876/why-2020-will-be-a-big-year-for-crypto