Archives for March 2018

OTPPAY – The Crypto to Fiat payment solution

OTPPAY is “Omni Token Platform for Payments”, Blockchain for Purchase of Portfolio (Buy | Sell | Exchange & Pay). OTPPAY will be the largest platform in the world where you can buy, trade and make payments to merchants at low cost directly or in guarantee. Cryptographic flashpoint for the conversion of fiat by pontificated merchant. Yes, using our artificial intelligence engine and the learning engine based on the order / our inventory-based matching engine, we will convert criptocurrency to the OTPPAY tokens and the OTPPAY tokens to know the currency in time . OTPPAY is a single payment platform, which will have a way to use your favorite cryptographic key to pay sellers / merchants instantly. We provide sellers with the security and convenience of receiving funds in the currency of the coin. You can even change the main payment option of power encryption to OTPPAY tokens or direct currency, protecting them from the volatility of the criptocurrency market. Our OTPPAY security system will be designed combining traditional currency security standards and the latest block blocking technology. We will act as a catalyst to allow e-commerce transactions and cross-border transactions in time that will reduce dependence on forex media. Our solution will interrupt the forex / cross-border financial markets instantly. Our API will interact with the global eKYC interface and the main book to avoid antisocial transactions. Our omnipresent data infrastructure will help us build a suspicious database of suspicious transactions and block them in the future, saving time and cryptographic money. In the near future, our intelligent AI engine will be used to frame the Crypto Credit Rating (CCR) system, where merchants and users will benefit from the OTPPAY Gift feature.


We are a team of developers, engineers, artists, fixers, economists and first adopters who work every day to build a sustainable cryptographic economy. Think, design, test, build and go to the market. We recognize the needs of consumer innovation, as we imagine OTPPAY. Whether you are trading cryptography or cryptographic payments, this is your one stop solution. We strive for openness, trust and innovation, but most importantly we strive to be a significant contribution for our clients. OTPPAY: Omni Token Platform for
Payments, we believe to overcome the gap between cryptography and direct payments directly. Our vision of openness not only translates to our technology, but also to our corporate culture. We believe in sharing, creating together and valuing each other.

The Omni Token Plat for Payments platform (OTPPAY) grows well to overcome the gap between payments and Crypto payments. OTPPAY includes the following services.

Buy & amp; Sale: Otppay will be the most preferred way to buy and sell criptocurrency or digital assets backed by Artificial Intelligence and amp; Automatic learning
Send & amp; Accept: Cryptocurrency or Cryptography asset instantly. Otppay plans to offer very low transaction costs among the main actors in the crypt in the world.

Exchange: The exchange of encryption / crypto assets that, just in time from one stock exchange to another instantly. AI & amp; Requests for change driven by the ML demand allow cross-fertilization and broad demand for change, offering lower prices for the industry.
Payments: Merchants Merchants will be given a unique identification code that is embedded with a QR code so that users can directly transfer the payment by simply scanning the QR, the intelligent smart change machine that would end up with the currency traders directly. With Tap to Pay-NFC based, we offer the best non-contact payment system in class.

Donate OTPPAY: instant loans Prohibition OTPPAY cripto instant deposit. Through the OTPPAY loan selection, the operators are able to provide 2X to 5 times the sum of monthly sales as a short-term credit. Limit calculates the sales performance of the merchant and notes CCR & amp; payment system.

Private sale: LIVE
private sale until: MAR
PRE SALE FI: April 3 2,018
the ICO STAGE ONE: April 4 2,018
the ICO PHASE 1 EXTREMS: May 3, 2,018
ICO Second stage: May 4. 2018
ICO STAGE 2 ends: 2 June 2018


OTPPAY can be brought to the market through our expert implants with the payment method of mobile, digital, financial, cryptography, UX technologies and the business world below. Together we will induce the experience in other companies to create a supersonic project. Here are some background and process allocations.

Here is a chat diagram distributed by OTTPAY

OTTPAY road map and progress

More information:

Technical Report:
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Facebook: https: / /

PHI Token Crypto project

I have fun making some MonteCarlo Simulations (which I talked about extensively in my post in Italy How to create MonteCarlo simulations in Excel) with the history series of Bitcoin.


After Bill Gates’s assertion that Bitcoin’s price will reach $ 500,000, I try to understand how this innovative asset investment can flourish by using the classic model that is common in the world of traditional finance.
Firstly, two parameters are needed to perform MonteCarlo simulations, ie volatility and average rate of return.
As you can see, volatility is very variable and the average may not be significant because it will be affected by the early years of Bitcoin presence where volatility is more than 300%.


Graphs were obtained by measuring the volatility of twelve months (blue line) which then shifted from week to week, thus determining the trend of volatility called “Rolling” and the same for the red line, which is volatility at six months.
For those who understand the series of financial history, have a high rate of return, high volatility is required and Bitcoin is the highest prince in this case, perhaps also the king of the historical series with a high rate of return.


To use the average return, I take into account the exponential graph line (which is actually a line that grows exponentially on a linear graph (as described in Post The difference between linear and logarithmic graphs).
This straight line, which is practically the SAFE Ratio of Bitcoin’s historical sequence shows that the annual average long-term return will be an incredible + 162%.
By taking the current volatility value at 12 months or 79%, and the average return + 162%, we can do a Montecarlo simulation (we have done 10,000 but we only mention 100 to allow better readable graphs) to understand how Bitcoin prices can developing in the coming months and years.


But are such trends sustainable in the long run?
Honestly, it is hard to imagine, even if it is the intention of the creator of Bitcoin and in theoretically scarcity logic, the price of Bitcoin could exceed the 500,000 Dollar predicted by Bill Gates.
Whether it’s the plans of the people who created Bitcoin, whether it be the elusive Satoshi Nakamoto or behind the pseudonym he used to cover the research team, you can guess from the fact that they estimate eight decimals after the decimal point, that is the price that can be achieved Bitcoin, because it is structured, remember, the stratosphere value 100,000,000,000 dollars or hundred million rupiah.


The most exciting of the assumptions, meaning the simulated “lucky” thousand made, the estimate of this return and this volatility can be achieved as early as 2024.
We are talking about simulations and assumptions, which are certainly supported by the almost absolute expansion of Bitcoin as a global payment system, objectively impossible to imagine, but still possible from a computational and probabilistic point of view.


Looking at the numbers we can say that there is about 2% chance of Bitcoin going to reach a silly $ 100 million price by 2025.
In order for this montecarlo simulation to be reasonable, it is necessary to assume the growth in the number of users continues to exponentially, as described in the post.
Therefore, I have increased the amount of exponential growth in the number of wallets in circulation to date, with an average growth rate of 1.3% per month (last three years).
To assert that MonteCarlo’s simulations with Media = 162% and Volatility = 79% make sense in the long run, it should be said that by 2025 there should be 4.5 billion Wallets (something hard to imagine).


At this point, I think it would be more appropriate to reduce the average annual growth over time and therefore I made two further simulations, the first assuming a sad yearly return of 15% (slightly higher than the historical S stock & P500) but maintains arbitrary volatility at 79% and the resulting graph is as follows:
As you can see, with such high volatility, it can happen, to make pollution cryptic critics happy that Bitcoin (albeit with an equally low probability compared to the previous example of 100 million) can return to a sad 10 dollar value, but to be honest average yield on 10 years, with a low average rate of return but high volatility, however, is higher than 110,000 dollars.
As usual in an arbitrary way, I tried to make a MonteCarlo simulation with 10,000 assumptions with an average rate of return much lower than the current but enough against the very high volatility characterized by Bitcoin; Selected arbitrarily as usual (there is a reason but after doing this simulation three weeks ago I do not remember, please forgive me) to use an average annual return of 64% and a 79% volatility.


Why this option, you will ask yourself, because I am curious and I hope you too, to see where the Bitcoin price can go up with a Sharpe ratio lower than 1, so it all makes sense.
In this assumption there is no case where its value drops to 10 Dollars in one of 10,000 simulations.


From this simulation, it is possible to extract the possibility of a Bitcoin price above a certain value or for example, what is the probability Bitcoin price above 5,000 in July 2018? From the graph we can conclude 98%, while reading it in the opposite way means that today we have about two percent chance that in June Bitcoin price will be under 5,000 US Dollars.
To avoid being blamed for bringing misfortune, on the contrary, what is the probability Bitcoin price will be higher than 50,000 dollars in July 2018? From MonteCarlo simulations, a 4.2% random assumption with the characteristics outlined above would have a value of more than 50,000 dollars in July 2018.
But the interesting thing is there is a 50% chance that the price will rise above 50000 dollars in September 2023.
Obviously, the data obtained through random simulations must be considered in doubt, but useful for understanding the dynamics, potentials and risks that these innovative financial instruments offer (which I think should be considered an asset class to be owned in the portfolio, in “homeopathic” numbers of course) .


Last but not least, I can only explain the Blog’s opening chart: MonteCarlo simulations in each quarter offer a return distribution derived from the simulation itself; to properly describe them as gaussians, it is necessary to use the exponential scale in the abscissa as the resulting distribution is clearly strongly influenced by the high average rate of return over the years that makes the capitalization effect of exponential results appropriately.
I hope you like this post and if so, share it on social networks so you can help me make it outstanding.
For those who want to download an excel file, you can do so by clicking here:

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