Friday, November 26, 2021
Home Blog

Generation Gap



    “Greatest and silent generations”, “Baby boomers”, “Millennials”, “Generation X and Z” – all the definitions describing the names of the human categories divided by age. All the groups of above described people are thought to be extremely different, having enormous chasm, separating believes and behaviours. We are determined to find out the way to unite all the generations and bridge gap between them. How? Continue reading the post!

Examining the methods of regulating differences between humans of different age, let’s learn special features of each generation. The greatest generation  are World War II survivors, people, tempered by war hunger and other disaster. This group is defined by patriotism, teamwork and conservatism. 

Silent generation – people born between 1928 and 1945. They are considered to be rule-followers, obedient and reserved to all new and unknown.

Baby boomers (born on 1960th and 1970th) – witnesses of global changes, world economic integrations. Main characteristics of the generation are the following, these people tend to be: hard-working and focused, competitive, independent and especially considerable to family values and unit between relatives.

The birth years of Gen X are 1965–1980. People from this category are defined as critical thinkers, flexible and self-reliant workers, lovely and true friends. The main value for them are usually successful career and high social status.

Millennials(1981 and 1996) have always knоwn cable TV, pаgers, answering machines, laptop computers, and video games. Technological advancements in real-time media and communicаtion hаve driven their expectation for immediacy. They аre the generation that bridges the gаp of growing up in a world before and after the Internet.

Generation Z – people termed “digital natives”. They are contemporary, politically progressive, open to all new trends, financially-minded, determined  and diverse.

As you have already noticed all the generations are completely different, and as usual it can be unbearably hard for all them to live in one family. The only way we see for bridging up the gap is developing first family app – “Bank of Memories”, which will be the first platform for human of different ages. In our app all will be united by the main purpose of saving and exploring family history, examining each others lives and developing family contacts.


Gogol’s butterflies


Ukrainian Street Art artist, together with the Bank of Memories, let the audience into his world. The painting shows the rich and colorful world of the artist on a mystical journey through cities and places.

The author prepares the NFT. The price of physical work with integrated NFT will be on the market soon. The BANK of Memories opens up new horizons by connecting the physical and digital worlds. This allows the artist to create a mirror of his soul in every masterpiece.
Note that every person who will see NFT will bring the artist a crypto bonus. Isn’t it great.

Stellar Validators Take Decision on Important Update


Today, June 1st, Stellar validators (XLM) should be ready every minute for the most important network update. According to the official statement of the Stellar Development Foundation, a non-profit organization that develops the Stellar blockchain (XLM), validators are voted for Software Update ppotokola 17. Stellar Protocol 17 will start new functions

Instructions for Social Listing at BTC-Alpha Exchange


How do you support Bank of Memories and earn coins?



Download Bank of Memories application. You will receive the first bonus after registration in the App – 5 GBM Coins. PLEASE REMEMBER YOUR PASSWORD, NO RECOVERY.


Links to download Apps below and Telegram Community





Register at the BTC-Alpha Exchange

Go here

Every user who registers and passes KYC (Level 2+) on automatically receives 100 Alpha Listing Coin (ALC). These coins the user can only use to support the projects of the Social Listing. The Alpha Listing Coin rate will remain unchanged: 1 ALC = 0.00001 BTC.

When the project collects 300,000 ALC during the year – it will be integrated on BTC-Alpha, and users will be able to start trading it.


 After receiving 100 bonus ALC coins vote with them for the Bank of Memories

Link to voting



Once voting is done, FIRST 3000 people will receive a total of   $ 10.50 in coins via Airdrop from BTC Alpha.

We will list coins at a starting price of $ 0.35. Most coins belong to users, team and investors, thus not many coins will be in circulation.



ANOTHER STEP is done – listing on the stock exchange of the startup Bank of Memories


Here one could write a long article about the thorny path of two Ukrainian startups from the cryptocurrency and blockchain industry.

Today we will tell you how two Ukrainian teams supported each other – the BTC-Alpha cryptocurrency exchange and the Bank of Memories startup.
Bank of Memories is a service for preserving and transferring digital assets and memories to the future using blockchain. The service can store data, send messages to the future, and soon it will be possible to create bloodlines and inherit memories and assets.
BTC-Alpha crypto exchange is in the TOP-100 on Coinmarketcap.

Meet Vitaly Botnar, Director of BTC-Alpha. He hails from the picturesque Vinnytsia region, Ukraine. Vitaly took a chance and created a business with an average turnover of              $ 1,500,000 per day. He achieved this result in just 5 years.

Vitaly and his team survived the crypto winter. Very often projects come and just want to raise funds, but sometimes they are not going to make a product. These projects have no chance of getting on Vitaly’s stock exchange.
To get listed, a startup must pay a large sum of money to prove its seriousness. In 2021, Vitaly came up with a new listing mechanism for young and promising projects – Social Listing.

What is a social media listing?
There is no such instrument on any other exchange, we did not find it.
A startup can attract about 3,000 of its followers to the exchange and ask them to vote for their project. This tool gives a startup a unique opportunity to prove its viability and, as a result, attract funding without huge listing costs.
The bank of memories comes from the neighboring Cherkasy region, Ukraine. The author of the project is Andrey Melanchik from Uman. The project team has been moving from idea to working application since the end of 2017. During this time, many tests have been carried out, many different hypotheses have been tested. Based on these results, Bank of Memories found the right way to develop the project.

The BTC-Alpha exchange believes that Bank of Memories is a project with great potential, so it was invited to be listed on social networks. 

Now anyone can invest in the coins of new projects on the exchange, but a large number of coins or tokens on the cryptocurrency market are of little use or not needed at all. You need to take a close look at what problem the coin solves and how it is applied. If people are not well versed in coins, it can be a waste of money.
Social listing is an opportunity for investors, without risking their own funds (but only with bonus coins), to vote for a project and give it a chance to get support from the public.
How it works?
– The investor / follower registers on the BTC-Alpha Exchange and goes through the KYC (Identity Verification) process.
– Investor / Follower gets 100 bonus coins for voting. By giving these bonus coins to a young project, a person receives project coins, if provided for by the conditions.
– On the day when the project is gaining about 3000 fans, the day of listing is announced and a certain number of coins will appear on the exchange at a reduced price for those who want to buy these coins at the very beginning.
Thus, the project proves its necessity and viability.

Bank of Memories rewards those who put in the time and support the project and provides 90,000 GBM to be split among 3,000 voting members.
So how do you support Bank of Memories?
– Download the app, get the first bonus
– Register on the BTC-Alpha exchange and get 100 bonus coins, vote for the project
– Upon completion of the voting, each of the first 3000 people will receive a total of $ 10.50 in GBM Coins.
– On the day of listing, 0.7% of the coins will be placed at a starting price of US $ 0.35.
You can find out about the prospects of the project and the possibilities of the GBM coin here.

Teaching Your Kids to Have Successful Future


Do you usually plan your day, the workload, career, finance and trading? Whatever it is you are orchestrating, a strategy for your project or personal investment, you try to adjust considering the familiar circumstances. But do we plan how to raise our children? What are the key characteristics and skills to focus on in order to make sure the child has a higher chance to undoubtedly succeed in the future?
The fact is that we tend to raise our children evaluating the world of today. By the time they grow up the reality will be completely different and knowledge and skills that we aim to teach them will become redundant. So, how to prepare our children for the future ahead of them? What are the key technologies behind the process of learning? Let’s try to look inside the crystal ball and see where the world is headed. Priorities, educational system, information flow and even life expectancy are changing. Let’s break it down step by step.

A personalized approach towards education and parenting allows us to see the strengths and weaknesses of our children, set out priorities and give them a chance to choose what they want to do. Kids should know their achievements are appreciated and at the same time feel supported and motivated when they encounter a challenge. It’s a recent trend to develop talents for the progressing future hoping the young ones will be able to adjust to the ever-changing environment. Education nowadays doesn’t stop after college. We have a chance to continue accumulating knowledge throughout our entire lives thanks to the information available, easy access to professional courses and development programs. Due to the rise in our life expectancy, personal development doesn’t stop after retirement, either. There are plenty of resources to use and change the vector of stirring life. We can even change our career at any point without much hassle, unlike the previous generations. Just think about it: in about 10-15 years 15% of today’s occupations will succumb to history.
Technologies become a crucial tool in practically every sphere of life, and education is no exception. The issue of information overflow could only be solved by managing it wisely. Big Data technologies and machine learning can control the continuous data flow and select the most beneficial information from it. All these trends are just the tip of an iceberg. Let’s face the fact that we cannot predict or even imagine what the world is going to be like exactly in the future. The difficulty is that since we are social beings, we wouldn’t be who we are without external society which is literally “today’s environment.” For instance, children raised around wolves behave like wolfs and unlike the fairy tale, they will not have a chance to adopt normal behavior. If a Mowgli gets into a normal human society after the age of 6–7 years, there is no chance for him or her to master normal speech. By the age of 10-11, there won’t be any speech capability at all. This window of opportunity shuts down forever.
A child’s brain is a large blank canvas where you can write almost anything, but only up to a certain point in time. When a baby is first born, there is a huge amount of potential held within the neural connections between the cells of the brain. The neuron connections become active as a result of contacting the external environment. However, in reality, only a part of them is activated at any point in time. Those that remain unclaimed or unused just die off. To put it simply, if your child fails to form a particular fundamental skill like speaking, it will be almost impossible to improve the situation in the future. We should provide our kids with the latest technologies and gadgets until it’s too late! So that they will be up-to-date with technologies, this is crucial today and will definitely lead future progress. Well, that will not be a correct conclusion to make. “You can’t put your face in a device and expect to develop a long-term attention span,” says TaeWoo Kim, the chief engineer in One Smart Lab. And the question is what do you think is the most important? Attention or technical skills? First of all, you must understand that every machine is designed by people. Technologies are created to ease our workload. The danger is that kids use technologies mainly to reduce the need to build new neurons connections, not otherwise. And that is absolutely normal, we are all lazy, and laziness sometimes leads to progress. However, childhood is definitely not the time to be lazy. In fact, today employees of major companies such as Google, Yahoo and Silicon Valley enterprises send their children to schools without computers. The focus should be on developing soft skills that will stay relevant regardless of how the world changes. Experts identify four key competencies that are most necessary in the world that has already changed and the world that is still to come. They are called the four “C:” communication, cooperation, creativity, and critical thinking. It might sound like common sense, but don’t underestimate the importance of these skills in the future.

Communication and cooperation

In the long run, you need to realize that a conversation with a specialist, not with a machine, will be much more appreciated. As we mention above a crucial part of learning is socializing. Even if your kid is only interested in chatting with classmates at school it’s still an excellent sign! Children can create an atmosphere that seems absolutely unsuitable for learning, however, they find a way to learn from the chaos they create. Trust us: they love to learn!


School life is going to end pretty soon. We live in a world where it’s knowing right from wrong is not as easy as the grading system. Creative problem solving is more beneficial rather than looking for a “right” answer. You already know that from your work! Allow your child to express an opinion that is different from yours or from their peers. Creativity means freedom of self-expression and more importantly, having and making a choice. Who says that “right” tomatoes should be red? If you think so there is news: scientists created a new product – a purple tomato full of anthocyanins. Open your mind to raise a person who is creative and can adapt to any changes the future holds, and with some luck and knowledge, your kid will rise to lead these changes. Even in the distant future, it is impossible to imagine a technology capable of replacing the true talent and creativity fueled by the love for their work.
Critical thinking and curiosity

As the constant information flow overwhelms our reality it is important to learn techniques to filter the incoming data. It all starts with the parents’ authority. Your toddler will rather trust you than a distant relative or a stranger in a store. The authority will be shared between you and the teacher. It gets more complicated as the child grows and it’s your responsibility to develop the skill of critical thinking. Connected closely with creativity, critical thinking allows you to find the best solution. The foundation is built while you teach your child choose “creating” rather than “googling.” Explain to your children that not all the information on the Internet is trustworthy and they need to develop techniques to filter it. These complicated ideas will get easier to practice as long as you stimulate the hunger for knowledge in both you and your child. Because who needs random facts if there is a craving for genuine insights? It’s exciting to have all the sources for children and teenagers to learn about the latest things vital for our generation that will surely last, like Big Data and programming, and many more things! There are lots of outstanding opportunities for children to master technologies to a phenomenal level. But first, make sure to invest in developing the key skills and don’t let your children lose touch with reality. At the end of the day, no matter where the progress leads us, no matter what professions are in demand, a confident person who understands his or her needs and talents is far more likely to find a way to make a difference and grow. Support your children to build that confidence, and allow them to make their own mistakes, as mistakes are a timeless source of learning.Collect wisdom with Bank of Memories.



Can’t beat ‘em? Join ‘em: Mastercard and Visa make a case for Bitcoin


Mastercard is set to open the shop doors to crypto as a means of payment in 2021, but it will likely be a challenge for the firm.

On Feb. 10, Mastercard announced that it would start supporting a select few cryptocurrencies on its payment network. According to the payments giant, the inclusion of cryptocurrencies will allow customers to “save, store and send money in new ways” while opening up new opportunities for merchants as well. 

The announcement followed a presentation on Jan. 30 in which Visa reaffirmed its plans to continue to push for cryptocurrency payments and on-ramps, showing that the company has long-term plans for the sector. With both credit card giants on board, it’s safe to say that Bitcoin (BTC) is no longer just an experimental form of “internet money” but rather a new asset class of its own — one that is here to stay.

Mastercard’s and Visa’s foray into crypto is just one example of the ever-growing barrage of mainstream technology and payment companies delving into Bitcoin as an investment, form of payment or investment vehicle, but these two companies represent billions of payments carried out every year.

So, what does this mean for Bitcoin specifically and for crypto in general? Some are saying the industry may not be there yet but that this latest development could be the very beginning of mainstream adoption. Tone Vays, Bitcoin analyst and organizer of the “Unconfiscatable” Bitcoin conference, told Cointelegraph:



Failed against Ripple: Former SEC chairman


When the Securities and Exchange Commission filed a lawsuit in the waning days of the Trump administration against cryptocurrency company Ripple in December, the broader crypto-industry reacted with surprise and alarm. It also led Ripple to deploy some high-profile advocates to defend it in public—including former SEC chair Mary Jo White.

In an interview with Fortune, White claimed the agency she once led made a blunder in suing Ripple for the alleged sale of unlicensed securities. The sale in question relates to the digital currency XRP, which was created by Ripple in 2013 and which today trades broadly in markets around the world.

“There’s no way to sugarcoat it. They’re dead wrong legally and factually,” White said.


White’s opinion should be taken with a grain of salt, given her current role as Ripple’s attorney. Nonetheless, White’s observations are worth noting given her stature. As one of the country’s top securities lawyers and a former U.S. attorney for the powerful Southern District of New York, White has firsthand insight into the politics and processes that inform decision-making at agencies like the SEC, which she led for nearly four years during Barack Obama’s second presidential term.

According to White, the fact that the SEC filed the complaint against Ripple in late December is telling. This was a time when most of the top people at the agency, including former chair Jay Clayton, were on cusp of departing and after the SEC had spent years investigating Ripple.


“As a former U.S. attorney and SEC chair, you know that when it takes that long to figure out a case you probably shouldn’t be bringing it. It’s not something I would do walking out the door,” she said.

While the timing of the lawsuit has raised eyebrows, the complaint itself contains damning allegations. Specifically, the SEC claims senior executives, including cofounder Chris Larsen and current CEO Brad Garlinghouse, have made millions for themselves selling XRP—even as Ripple failed to find a practical use for the digital currency. In the agency’s view, Ripple’s main goal has been to induce people to buy XRP as a speculative investment.

To make its case, the SEC points to a 1946 Supreme Court ruling that sets out the definition of an investment contract—a definition that, over the years, has encompassed a wide variety of ventures such as “orange groves, animal breeding programs, railroads, mobile phones, and enterprises that exist only on the Internet.”

Despite the novelty of digital currency, Ripple’s sale of XRP is just another example of a company flogging a speculative investment, according to the SEC. And under long-standing securities laws, such a company is obliged to provide disclosures with the agency to help investors understand what they’re buying.

White claims that this narrative is misleading and that the SEC’s struggle to develop a regulatory framework for crypto has led it to try to “fit a round peg in a square hole.” She also argues that the agency’s lawsuit is arbitrary, especially given that the SEC recently declared that Ethereum—another popular cryptocurrency developed after XRP—is not a security.


According to White, “$15 billion in market cap was lost,” owing to the lawsuit, and she claimed this has primarily come at the expense of ordinary investors the SEC is charged with protecting.

While the outcome of the lawsuit is uncertain for now, White suggested a resolution could come as early as October in the form of a summary judgment from a federal court. She also hinted that the two sides could reach a settlement before then—one that could lift the legal cloud over Ripple, while also providing broader guidance to the cryptocurrency industry.

White notes that Jay Clayton’s successor, incoming SEC chair Gary Gensler, is an authority on cryptocurrency and is likely to take a personal interest in the case.

“You have scarce resources [as chair], and you have to pick your spots. The crypto-landscape is a critical one, and there’s a crying need for clarity,” she said.


Speechless Arbiter or D-Day for GBM


Hello everyone! The author of Bank of Memories is in touch, and I am pleased to share with you the new information about our service.

Some people love to celebrate their birthdays, to receive gifts, to wind and sum up, but someone just does not celebrate. For instance, I wish everyone a Happy New Year. Everyone has his/her own rituals. Today we’ve launched Explorer for the GBM coin and I have wondered: when was it born? To get to know this, I rewound the story back. This is why everyone loves blockchain – everything can be verified, but nothing can be faked. As it turned out, the birth of GBM occurred on 2020-11-18, at 21:52, and it was the first transaction, too; and during the three-month test period, there had been 7283 transaction (as of 20:33 on 10/02/2021). Now, each of you can observe the growth of our project in real time: every transaction and event related to the creation and upload of content is recorded in it.

What is the point for Bank of Memories users?

  • First, it clearly shows that we are not a token, but a full-bodied coin built on the basis of one of the fastest and most reliable blockchains, namely the Lumen Stellar blockchain. We made the Fork for it – we took the best and added our own. Beware of pseudo-coins or pseudo-tokens that fail to demonstrate the benefits of GBM.
  • Second, now everyone wishing to invest in our start-up can easily see the speed of development and dynamics of user growth: the number of tokens the team has and their movement according to the roadmap. This transparency adds confidence to the words, statements and pitches the team delivers. If you decided to make money on data storage or you like to play on cryptocurrency exchanges, or, maybe, you just buy lucrative crypto assets, I am sure that you are able to assess how true the stated dynamics is.

The third and most important member of our community is a client, a person who is going to use our service for its intended purpose, i.e. to store and accumulate digital assets. Owing to such a tool as an explorer, you can see in real time, how your first crypto assets for registration are transferred to your balance at lightning speed (TPS speed is 1,000-10,000 or more transactions per second). The first 10,000 users will receive 5 GBM each. Now everyone can confidently store his/her data in our encrypted storage, since all we know about you is only the wallet number; moreover, this information can be found out only, when someone watches the explorer at the time of creating your account, or hacks your account. Although, it is incredibly difficult, and intruders will definitely need to physically torture you.

The next thing the explorer allows is to track the operation of the digital will, in case the disputes between the parties arise concerning the ownership of the data in Bank of Memories. The speechless arbiter is the GBM blockchain and its explorer. Oh, it will be a separate article on the digital will, but now I just want to say that we have taken the next step towards you, our users.

I’m very pleased to share our little pleasances and joys with you. One more step towards the dream!

IT wars or how Zuckerberg loves and respects Durov.



The most interesting thing is that such confrontations give rise to freedom for users. Pirates against the regular army of the loyal and subordinate.
Steve Jobs and Bill Gates & Pavel Durov and Mark Zuckerberg

Pat 1 

WhatsApp has been and remains a traditional subject of Durov’s criticism. The entrepreneur has repeatedly spoken out against the competing messenger, criticizing the approach of its creators to ensuring the safety of users, as well as communication with advertisers and special services. However, this time he has a new claim, which is that Facebook (owns WhatsApp) allegedly started digging for Telegram. Durov wrote about this in his telegram channel, confining himself for some reason only to the English version.

Facebook has an entire department dedicated to identifying the reasons for Telegram’s popularity. Imagine dozens of people working on this alone full time. I’m happy to save Facebook tens of millions of dollars and reveal our secret for free: just respect your users. Millions of people are outraged by the latest change to WhatsApp’s user agreement, which now obliges users to transfer their personal data to Facebook. It is not surprising that the transition of users from WhatsApp to Telegram has acquired such proportions, – wrote Durov.

According to the entrepreneur, the management of WhatsApp, which was unable to compete with Telegram by honest methods, turned to subversive activities. Wikipedia editors recently discovered several paid bots that added biased information about WhatsApp to the encyclopedia, as well as spread it on social networks. Moreover, almost all the information they publish is based on three myths designed to discredit Telegram and its creators, provoking a backflow of users.

Pat 2

On the night of January 17-18, it became known that the American Coalition for a Safe Web, chaired by Mark Ginsberg, the former US ambassador to Morocco, filed a lawsuit against Apple. The subject of the lawsuit was the requirement to remove Telegram from the App Store due to the lack of moderation and the use of the messenger by extremists and opponents of the political regime in the United States. Cupertino did not comment in any way on the possibility of removing Telegram and stopping its work on iOS. However, Pavel Durov immediately made it clear that his messenger is literally unsinkable.

According to Mark Ginsberg, President of the Coalition for a Safe Web, Telegram is a platform for communication between extremists and criminals of all stripes. Therefore, Apple is obliged to remove the messenger from the App Store, and he, as the owner of the iPhone, has the right to demand removal based on the company’s current security policy. However, that’s not all, Ginsberg said. Right now, the coalition is preparing a similar lawsuit against Google, the goal of which is to remove Telegram from Google Play, from where it is also successfully downloaded.

Industry experts believe Apple is simply being pressured, although of course Telegram can indeed be used to coordinate various actions. Still, it offers users private and secure chats that cannot be read by strangers.

According to the mission of safety and goodness, witches were burned. They strengthened control, said that everything is for the good.
Freedom in spite of everything !!!

Популярные сообщения


Important updates at Bank of Memories!

1. As previously reported, the company successfully passed the audit by the American and Chinese investment funds. 2. Howey Test within the framework...