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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.

If there is anyone in the financial services game we love to hate, it's credit card salesmen and telemarketers, although it's safe to say that insurance agents have a place at the top of the list too. What rankles is that they take their commissions from the premiums we fork out, so it's in their interest to recommend expensive policies that we do not really need. But - and this also rankles - we need these guys. We need to go through them to buy most forms of insurance and we have to contact them for claims when something goes wrong. We also rely on them to assess our financial situations, explain complex product features and give sound advice. So here is the dilemma: On the one hand we need agents to advise us but, on the other, we sometimes have good reason to doubt the advice they dispense. Of course, agents are not inherently bad people - it is just that the industry's structure exposes them to serious conflicts of interest. So while it's in our interest to pay as little in commissions as possible and yet cover our basic insurance needs, how do we actually do it? First, we have to remember the roots of insurance. Insurance really exists because we humans are 'risk averse', as economists will tell you. That is, we terribly dislike the small chances of things going really wrong, such as dying in an accident or getting cancer. Such events will wreck our lives and our finances. People are willing to pay money to avoid risks. It is impossible to totally avoid accidents and disease, but you can buy insurance to ensure they do not wipe out your savings. The minority who are stricken will get a huge payout to tide them through from the pool of premiums that others have contributed. Those who lead healthy and happy lives to a ripe old age get nothing. Alas, many people do not like seeing their insurance premiums disappear so the industry has developed bundled products that offer savings, investment and bonus elements. The premiums tend to be much higher, with a good chunk going to agents and companies as commissions and profits. You may get back more than what you put in but if you had used the cash to invest on your own, you would have spent less on costs and probably grown your money more. Such complex products are very popular here - about 72 percent of new policies sold in 2012 were 'bundled' policies, according to data from the Life Insurance Association of Singapore. ILPs, whole life and endowment policies all fall here. The next time you come across a product, ask yourself if it is just insurance - or insurance trying to do too many things. As the saying goes, you would do well to just "buy term and invest the rest". Another thing to remember is to try and find an agent you can trust. Experienced agents tend to be more stable financially and hopefully less profit-driven than eager young ones just starting out. They will also have more experience with products and claims although, of course, the responsibility of choosing the right policy still lies in your hands. So for individuals, financial knowledge is the best weapon. Arm yourself with it and you will be able to handle it the next time an agent tries to sell you a policy.

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