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Binance Review 2018: Comprehensive Crypto Coin Exchange Binance is a Chinese cryptocurrency exchange. Binance was created after attracting funds via an ICO (Initial Coin Offering – creating a new digital asset, backed by the project. Changpeng Zhao, former CTO at OKCoin is currently at the helm of Binance. They are known for fast processing speeds coupled with an ability to process enormous numbers of transactions (1.4 million) each second. It’s been quickly gaining ground in market share cementing a place as a top 20 exchange in terms of volume. Binance transaction has reached a new level and currently score tenth place in the world. Binance offers a generous daily withdrawal limit. They don’t need identity confirmation when the per day remittance is within limit of 2 BTC. Binance Features Binance’s trading platform is web-based. Furthermore it offers two distinct trading layouts, a more simple one and a “Pro” version. Their ICO has created tokens named BNB that are traded on the exchange. They can also be used as a method of paying your trading fees, which will reduce them by 50%. Binance offers their own startup incubator platform as well. The trading functionality of the platform was of more interest so we focused on that for the purposes of this Binance review. Below is the “standard platform” look: Below is the advanced display: BINANCE Advantages Large Cryptocurrency Pairings Supported The competitive advantage of Binance’s platform is the ability to trade every major cryptocurrency pairing in existence. Coinbase and Gemini only offer trading of a handful of the larger market capitalization cryptos, whereas Binance allows users access to trade over 100 crypto coins. Low Fees AND LIMITS The fee structure is simple as well as being priced. There is a flat 0.10% fee on all trading. The 0.10% fee on trades is one basis point. If you were to buy a cryptocoin at 100 you’d have to sell it higher for 101 to profit. Ease of Setup Setting up an account is straight forward, similar to signing up for an account with other service providers. Another advantage is there is no lengthy waiting time, users are able to get setup and running within minutes. This is due to the fact that fiat is not accepted on the exchange. Binance Provides Significant Trading Volume Binance is currently the third largest exchange by cryptocurrency trading volume, according to coinmarketcap. At the time of writing, Binance’s volume was an astounding $5,441,711,452 in the last 24 hours! This volume demonstrates their users clear trust in the exchange, as well as the accessibility of the exchange and ease of transacting. This type of volume requires substantial servers and computational power. Wide Support of Cryptocurrencies No Verification Requirements Binance doesn’t require identity confirmation in instances when the per day remittance is within the limit of 2 BTC. The attractiveness of setting up an account with Binance may be greater for a user in a jurisdiction where certain exchanges choose not to allow new users because of restrictions imposed by that location’s governing regulatory bodies. Ease of Use You’re able to buy and sell crypto pairings with market or limit orders while specifying the amount or percentage you wish to trade for each transaction. BINANCE Disadvantages No Leveraged Margin Trading Margin trading is not available at Binance. Margin trading is a system which allows you to trade with more money than you actually have in your account. Your balance is then used as a guarantee to maintain your position open. No Fiat Functionality This has both advantages and disadvantages. Government fiat deposits are not currently enabled in Binance, instead this exchange focuses only on the digital side of things. Clients can deposit and withdraw the coins supported at the exchange. This means that you’re not able to deposit or withdraw in fiat currency, only cryptocurrency is supported. Relatively New Binance was started in only July 2017, according to this Reddit post. This is a major concern, as they don’t have a history. Despite all the good things people are saying on Reddit. it’s worth mentioning as many exchanges have come and gone. Binance appears to have a visible co-founder, unlike BTC-E. Conclusion Accessible option for obtaining Different Cryptocoins Binance is the most rapidly-growing and communally praised cryptocurrency exchange available. It’s China based location may spell issues in the future due to rumors of a “crackdown“. that currently accounts for a large amount of volume. Although Binance targets high frequency traders, it is quite useful for those getting beginning with altcoin trading. Their lack of fiat money deposits may be difficult to swallow for beginners, only supported cryptocurrencies may be deposited. Binance boasts a large number of various cryptocoins for trading. The main benefit is the ability convert between cryptocurrencies. For instance exchanges such as Coinbase and Gemini are more limited in the number of cryptocurrencies offered. The interface is also conducive to support shorter duration hold time day trading of cryptocurrencies if one were so inclined to deploy that strategy. Binance is an exchange worth looking into and integrating into crypto trading just for their large amount of supported crypto coins.

What is a Financial Responsibility Law? The financial responsibility law is a state law that requires individuals to prove they have enough money or assets to cover any damages they may cause. One way to meet the financial responsibility laws is to purchase the minimum state car insurance required. These state insurance laws protect all drivers on the road. Minimum state car insurance requirements and financial responsibility laws vary by state. Understanding the Financial Responsibility Law All states have financial responsibility laws. The financial responsibility law requires that people prove that they have assets on reserve to pay for damages that they are responsible for in a car accident claim. It makes it easier to understand if you think of it as the law requiring you to be financially responsible for your actions when you own a car. A financial responsibility law does not always require you to prove you have car insurance. However having minimum insurance for your car is the easiest way to meet the financial responsibility law, and protects you the most. What Does the Financial Responsibility Law Have to Do With Insurance? With insurance, when you have a claim or cause damage the insurance company pays most of the damages and defense. If you take on the financial responsibility yourself you will pay a lot more than just insurance costs. That's why minimum insurance makes it the easiest and smartest way for individuals to comply with the law. 5 Questions Answered About State Financial Responsibility Laws 1. Do All States Require Car Insurance? No, although most states require drivers to purchase car insurance, not all do. But all states do have financial responsibility laws. These laws are in place to protect all drivers by requiring drivers to prove they are financially able to pay for an accident. Most drivers comply to financial responsibility laws by purchasing car insurance. 2. When Do I Need to Show Proof of Compliance with Financial Responsibility Laws? After you have been involved in a car accident When reinstating your drivers license after it has been suspended or revoked When a police officer requests to see it When you register your car 3. What Qualifies as Proof of Compliance for Financial Responsibility Laws: Car insurance ID cards Binder of Car Insurance Posting a surety bond Cash Deposit Proof - this is when you can prove that you have deposited the minimum amount of funds required with approved state agencies, such as state comptroller's office or the state's office of insurance Certificate of Self-Insurance - this is generally for large companies or individuals who own a fleet of cars, and would not be for individuals in most circumstances 4. Can I Comply With My State's Financial Responsibility Law Without Buying Car Insurance? In some states, you can comply with your state's financial responsibility laws in other ways than buying car insurance. Every state is different, but some ways to comply are by posting bonds or making cash deposits (see question 3 above). 5. Is It Better to Comply to My State's Financial Responsibility Laws With Car Insurance? Yes, in almost every case purchasing car insurance is the best way to comply to financial responsibility laws. Car insurance not only provides financial protection for you when you are in an accident, but will also provide for legal defense if the situation calls for it. Some Examples of Financial Responsibility Law in Different States The financial responsibility laws vary greatly in each state. For example, in Arizona, you can put up a $40,000 bond to prove you can pay for damages resulting from an accident, or you can buy the minimum car insurance for Arizona which is: $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident For example, in Virginia, the law is very different. You can purchase car insurance or "pay a fee of $500 at the time of registration. Payment of this fee allows a motor vehicle owner to operate an uninsured motor vehicle." For more details, and full requirements, you can visit the Virginia DMW. How to Find Out Your State Financial Responsibility Laws If you want to learn more about state by state minimum requirements continue reading the list of the minimum state by state car insurance and financial responsibility law requirements or call your state insurance commissioner's office or local DMV who will be able to help you.

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