'We have elected to put our money and faith in a mathematical framework that is free of politics and human error.' Tyler Winklevoss


We at PK Mwangi Global Consulting believe that we are today experiencing a pivotal moment in the history of mankind. The gradual entry of blockchain technology into our ordinary lives as well as into other fields of finance and industry heralds fundamental change in the way we conduct our lives and businesses.

Just like the internet changed the world (society and business) in unimaginable ways, blockchain technology is bound to fundamentally change the way we live our lives and conduct business. The world of finance has been changed for ever as cryptocurrencies like Bitcoin (BTC) become more mainstream and continue to deliver rates of return previously deemed unachievable. Drawing comparisons to physical gold, bitcoin is slowly taking its place as the asset to go to as a store of value. The closely-associated Litecoin (LTC), referred to by insiders as the digital silver, is also drawing comparison to physical silver.

Other crypto-currencies like Ethereum (ETH) and Ripple (XRP) seek to alter the way we conduct our lives and business by providing digital platforms on which real-life solutions can be developed. ‘Smart contracts’ as envisaged by Ethereum developers aim to provide society and business with traceable, transparent and irreversible self-executing contracts with the terms of the agreement between buyer and seller (or countersignatories) being directly written into lines of code distributed across a decentralized blockchain network. Ripple introduces to the banking world a near-zero cost system of instantaneous cross-border funds transfers.

IOTA (MIOTA), on the other hand, seeks to leverage on developments in artificial intelligence (AI) in what is referred to as the ‘Internet of Things’ allowing devices, computers and machines to interact with one another without the intervention of humans.

To this end PK Mwangi Global Consulting will be delivering articles that cover our views on the future of blockchain technology as a whole and specific cryptocurrencies (mainly the top ten cryptocurrencies by market cap) and the respective investment opportunities these cryptocurrencies present. cryptocurrency

'It is wise to be fearful when others are greedy and greedy when others are fearful.'

Warren Buffet

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Cryptocurrency Use cases

Bitcoin (BTC)


Bitcoin as a digital currency was initially billed as a medium of exchange but has increasingly become a store of value due to its high price. It is decentralized without a central bank or single administrator and can be exchanged peer-to-peer without the need for intermediaries.


In developing parts of the world with relatively slow forms of money transfer bitcoin is an efficient and cheaper way to transfer money across borders. More recently, however, bitcoin has assumed the role of investment asset as traders, institutional investors and small savers have woken up to the potential gains from bitcoin's price appreciation.

Public blockchain is the technology. Bitcoin (BTC) is (one of) the native currencies.

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Ethereum (ETH)


Ethereum is a blockchain-based operating system created for other blockchain-based decentralised applications (DApps) to be developed upon. Typically, these projects will raise funds through Initial Coin Offerings- ICOs (or ERC-20 tokens) performed on the Ethereum blockchain. Ethereum’s unique selling point is its creation and execution of ‘smart contracts’ which means transactions and agreements entered into between parties are immutable, non-retractable and fool-proof. Ethereum, therefore, through 'smart contracts’ brings to the table transparency, trust, mathematical logic and a bond between two parties that can’t be broken.

Ethereum is the technology. Ether (ETH) is the native currency.

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Ripple (XRP)


Ripple is a real-time gross settlement system, currency exchange and remittance network that enables cross-border transfer of funds between banks. Used by companies such as MoneyGram, UBS and Santander, Ripple is increasingly being adopted by global banks and payment networks as settlement infrastructure technology. It’s superior transaction and transfer speeds give it a marked advantage over current systems like VISA and SWIFT. Using XRP banks can, therefore, source liquidity on demand in real-time while payment providers can reach new markets, lower foreign exchange costs and provide faster payment settlement.

Ripple is the technology. XRP is the native currency.

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Stellar (XLM)


Stellar is a digital platform that connects banks, payment systems and people enabling cross-border money transfers and remittances between individuals. Stellar can handle transfers between fiat-based currencies and between cryptocurrencies and has partnered with IBM and Deloitte to build such cross-border payments applications. It's use case, therefore, lies in its ability to enable instantaneous cross-border person-to-person money transfers and remittances between any pair of currencies at almost no cost.

Stellar is the technology. Lumens (XLM) is the native currency.

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Litecoin (LTC)


Litecoin is a peer-to-peer digital currency that enables instant, near-zero cost payments between parties anywhere in the world. Litecoin is an early spinoff of bitcoin and features faster transaction confirmation times and improved storage efficiency than its predecessor. It’s use-case lies primarily in its use as a medium of exchange to make payments; and thereby facilitating global commerce.

Litecoin (LTC) is the native currency.

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Based on a different protocol to Blockchain, namely Tangle, IOTA seeks to leverage the Internet of Things (IoT) to enable fee-less microtransactions and create a data marketplace for machines and devices. Powering a secure, scalable and feeless transaction ecosystem, IOTA will create a machine economy devoid of human intervention while allowing machines and devices to transact with one another. To this end the IOTA Foundation has entered into partnership with such industry giants as Volkswagen and Bosch.

IOTA is the technology. MIOTA is the native currency.

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Bitcoin Cash (BCH)


Bitcoin Cash is a digital currency that split (hard-forked) in August 2017 from the original Bitcoin to enable faster and larger volumes of transactions to be processed.  Acting as ‘peer-to-peer electronic cash’, merchants and users benefit from low fees and reliable transaction confirmations. Bitcoin Cash split again in November 2018 into Bitcoin Cash ABC (or Bitcoin Cash) and Bitcoin Cash SV with the former seeking to introduce non-cash transactions like 'smart contracts' and oracle prediction services to the blockchain protocol.

Bitcoin Cash primary use case, however, remains as a medium of exchange.

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EOSIO is a blockchain-based decentralised operating system and  'smart contract' platform intended for the deployment of industrial-scale decentralized applications (dApps). The aim is to build decentralised applications that have no transaction fees and that involve millions of transactions per second.  EOSIO use case, therefore, lies in its ability as a platform to provide decentralized application hosting, smart contract capability and decentralized storage of enterprise solutions that solve the scalability issues of competing blockchains like Bitcoin and Ethereum. 

EOSIO is the technology. EOS is the native currency.

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Tether (USDT)


Tether is a digital technology that converts cash into digital currency to anchor Tether's value to the price of national currencies like the US dollar, the Euro or the Japanese Yen. Currently. the technology holds only a dollar to Tether conversion. Every Tether is always backed 1-to-1 by traditional currency held in the technology developers' reserves ensuring all Tethers in circulation always match reserves. So, for example, 1 USD₮ is always equivalent to 1 USD.

Tether is currently the most widely integrated digital-to- fiat currency. 

Tether is the technology. USDT is the native currency. 

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Cryptocurrency Balanced ScoreCard