Niros — a token that came into existence to fill the minorities gap to make them able to taste something they truly desire. Niros has come to bridge the gap by providing equal opportunities to the most neglected segment of society, particularly Black, Hispanic or LGBTQ individuals.

Niros is a Hyper-deflationary digital currency that provides passive income through bitcoin and Ethereum by holding the niros coins. Niros is a team of freedom fighters for individuals neglected by the system and global institutions.

Niro has taken the responsibility to educate its users regarding the nitty-gritty of crypto. By collaborating with the geniuses of corporate leaders, the platform has pledged to provide very thoughtful insight on crypto and its technical aspects. Seminars and meetings will also provide hands-on experience before investing in any digital asset.

For individuals seeking employment or contract gigs, a perfect match tool is provided to match, via algorithms, the perfect corporate partner in a truly digital, AI-driven atmosphere. The participants are also updated with push notifications, and personalized feeds whenever any new information is added.

The main focus of Niros is in those least developed nations that have a desire of entering the crypto world, but they are several hurdles in their paths to achieve their obstacles; countries like India, Pakistan, Ghana, Nigeria, Columbia, Kenya, etc. are the target focus of Niros.

Luna is an AI-driven assistant who will help assist the holders of niros on every crypto-related issue. Luna will also provide crypto education and assist users through Q&A sessions, AR, video, downloads, and push notifications.

Alec is the assistant to the AI-driven gaming world where the digital humanities will support the gamers to guide them through the chaotic world of the aliens.

Niros is offering other various things apart from crypto tokens and education, those are:

Niros TV: A streaming platform for all crypto-related news and lathe test happenings worldwide.

Niro’s black card: A must-have card for niros holders that will offer exciting discounts from crypto partners and other exclusive offers

Myniros.com: A digital gun where all the offerings will be placed. Entertainment, e-commerce, listings and corporate partners will be readily available.

Niros Launch: An incubator affiliated with the blockchain business to provide support and technical assistance to select businesses in which Niros will retain an ownership stake.

Estimated token price: $4.6

Estimated one year valuation: $96.6 million

They will only be $21 million niros ever created to level the playing field and allow the token to act as a store of value. While 2% of every transaction will contribute to generating further liquidity. Apart from locked liquidity, the Anti-whale, anti-bot, and anti-dump protections are also added.

Phase 1: Pre-sales

Phase 2: Launch

Phase 3: Marketing

Phase 4: Various

Phase 5: Hypergrowth

Phase 6: Innovation

Niros is the voice of the minorities, the digital fighters for financial freedom. It has come to existence to represent the neglected segment of society most incredibly and connect them with a possible corporate partner to explore their business ideas and educate them on the haves and have-nots of the crypto world.

Find out more at: |https://www.niros.io/

Today is the day — Jan 1st 2022, what a magical date. Another chance for everyone to turn it all around, to reset the past year and follow through on all our dreams, ambitions and goals that we have put off for so long due to seemingly more important stuff going on. Its true — life is what happens while you make other plans.

I live in a placid little village in the center of Austria/Europe. Its particular mild today for the season — the sun is shining bright and from my home office I can watch the little igloo I’ve built together with my kids melting down and vanishing.

31st of December has always been a very special day for me — I try to reflect on the past year, check off goals I’ve reached from my list and collect insights on my missed targets. I’ve been obsessed with self improvement and self measurement for a while now — maybe its my age or stage in life or simply today’s Zeitgeist.

As Peter Drucker once said — ‘What gets measured, gets improved’. I can relate to that but have to admit that I’ve still not found the right balance between micro managing all sorts of data points and keeping a birds-eye view on my progress.

Life has been good to me so far — I was anything but an ideal student and it took right up to my mid 30s for me to get my act together and become a responsible adult, but I tried to compensate for those ‘lost’ years with dedication. Together with a good portion of luck everything turned out ok so far and measuring a good life based on 50s standards one might consider me to be right on track — I’ve 2 kids, I am married, I own a house at the country side and I earn a good living. Overall I would describe myself as a procrastinator with good intentions and a solid amount of luck.

2021 has been challenging for so many people — we have a pandemic going on limiting our social life tremendously for 2 years now, reinforcing social unrest due to financial tension and inequality all over the world. Constant overflow of misinformation and a media focusing on sensation and disaster to grab our attention paints a picture of a highly uncertain and almost apocalyptic future.

Zooming out a little bit and turning off those distractions for a while can be very useful to get a more objective view on life — yes mankind is facing plenty of challenges that we can not ignore but have to solve — climate change, inequality, disease, political conflicts.

But I have great faith into humanity to solve those challenges and I look into the future with great excitement for all that is coming. Imagine a new and fair financial system based on crypto currencies that leads to more equality and offers banking to the poorest, a universal healthcare and basic income guaranteeing a living for everyone and opening up the possibility to pursue your passion which in turn will accelerate social responsibility and innovation.

Little changes can lead to great things happening which is why I want to share with you a list of new years resolutions for 2022 that I believe can improve your life and make the world a better place to live on. I don’t claim this list to be complete, but rather a framework or compass customizable for everyone individual needs and situation, so if you can come up with suggestions for changes or additions, pls let me know in the comments.

(1) Be kind to everyone

Globalization and social media give the impression that we can connect with every person in the world simply by a mouse click — we like posts of others and measure our social status via likes received. There are 1000s of contacts in our friends list but still we feel lonely and worthless. The truth is, your social media contacts are not your friends — real friends and family are precious and rare and we have to make sure that we foster and maintain them properly.

What is the easiest way to make a friend? Be kind to everyone you meet — it might just be a one-time contact but it also might turn out to be your soul mate, you never know. A kind word, a smile or genuine greeting can go a long way. Just imagine a stranger is looking at you in the streets, making you a compliment for no reason — how would you feel? It would immediately but a smile on my face and increase my mood.

And if you meet a grumpy or angry person, just try to put yourself in his/her shoes — maybe he/she is currently in a difficult personal situation? Be kind and friendly and you might make a friend for life.

You are arguing with someone over a topic you are 100% certain to be right? Well, you don’t have to be right all the time — sometimes its better to listen and accept other opinions even if you don’t support them personally.

What Darwin implied with the title of his master piece ‘survival of the fittest’ is not that only the strongest will strive — the evolutionary success of social beings like us humans is closely related to relationships and collaboration — a concept that does only work if we behave in the confines of a social contract accepted by the majority.

(2) Spend 1 hour in nature every day

We spend several hours a day sitting in front of a screen during work only to get up after 10 hours of grinding to move over to the couch staring at a slightly bigger screen looking for some distraction. One does not have to be a genius to derive the conclusion that such a lifestyle might not be particular beneficial for our health and well-being.

The cure is right in front of us — get your butt up and start moving! Be honest — while it might cost a lot of willpower to put on your shoes and start running, did you ever feel bad after coming home from a run?

Depending on your geographical circumstances it might be challenging to explore the woods or hike a mountain but there is always a possibility to do some sort of physical exercise — and I guarantee that you will get an instant reward afterwards.

For me sport has a variety of positive aspects — it a kind of meditation, allowing me to free up my cluttered mind and just let it wonder for a while, its also time I can use for high concentration on a specific topic, finding a solution that was buried under distractions for hours, its a chance to spend time with friends or to make new ones, it a chance to form teams and networks for life, its a proof of progress and personal development and finally a way to teach yourself gratitude for nature.

(3) Tidy up

I remember my years at university — first time living on my own in an apartment in Vienna completely self-responsible for getting by. Besides exploring the world and soaking up knowledge this included such ordinary tasks like buying groceries, cooking, doing the dishes and doing the laundry. Those simple tasks back then turned out to drain the majority of my willpower and I constantly had to budget and prioritize between studying and household chores — a choice that always came with a significant downside.

Meanwhile I came to a (for me) groundbreaking conclusion — the little things matter. Making you bed in the morning just takes a few minutes — executing on it gives you a feeling of achievement to start off your day successfully, and if your day does not turn out the way you expected it you still come home to a made bed.

What is more those little chores done continuously every day let you build a muscle to also execute on the big task that you are facing at work.

(4) Read a book every week

The education sector is on the move — traditional education concepts are outdated and replaced by new online education systems fueled by digital disruption. Assuming you are willing to spend the required amount of time and money, you can make a masters degree in any field at any time online without the need of being onsite. Personally I am not convinced that a degree per-se is relevant and in my career I never required proof of a certain degree to move up the ladder.

What is fascinating to me is, that the internet makes it so easy for everyone to access and consume information even on low budgets. Learning something new every day is mandatory to stay relevant in such a fast-paced world and an opportunity for everyone to create a career independent of social status and wealth — free access to information therefore becomes a great equalizer.

I try to constantly expand my horizon by reading one book per week — depending on the book this boils down to roughly 25 pages a day, a task that is absolutely doable even with a tight schedule.

Some favorites of my reading list I can highly recommend:

The Black Swan — by Nassim Taleb

Life is what you make it — by Peter Buffet

Sapiens — a brief history of mankind — by Yuval Noah Harari

12 Rules for Life — by Jordan B. Peterson

(5) Take care of your financial future

School teaches us a lot of useful stuff — we learn how to write and read, how to sum up numbers and what a human cell is composed off. However, what we do not learn is how to manage our financial future, which leads to the fact that university graduates are able to solve complex mathematical problems, but do not understand the value of dollar-cost-averaging and investing. While in the 80s of the previous century a single-earning household could afford building a house, today even double-earning households with degrees are struggling to make ends meat.

If you plan to live a decent life in retirement don’t bank on your government but take matters in your own hand — (1) track your expenses, (2) pay off high-yield debt asap, (3) Invest at least 20% of your income per month, (4) invest into yourself to increase your value and therefore your earning potential

There’s an exercise I like to use when looking for ideas that will end up governing the course of history, especially when it comes to technology. Let’s imagine a sink, and you throw a handful of small marbles into it. At first, there’s absolute chaos as the balls collide with each other and roll all around the sink. But every now and then, one ball goes down the drain, and then another, and eventually, the marbles settle down and start streaming down the drain in an unstoppable force. This metaphor has been a great framework for me to examine all kinds of sectors and ideas and plan out where I place my bets on ultra long-term horizons. I take a step back and try to see where all the marbles are going. Where’s the drain?

In the world of personal finances, the drain is digital. We’ve all seen the writing on the wall that everyone will eventually be using online banking and digital payments because they’re fast, easy to use, and highly customizable so that every user has the best possible experience when managing his finances. It’s inevitable.

This trend started in 1872, with the first wire transfers being made on Western Union’s telegraph network. Then came credit cards, digital money transfers, online banking and lending. The nail in physical money’s coffin? COVID.

Back in March 2020, the American public lost the will and permission to perform activities in person in many cases. That shift impacted everything from entertainment to agriculture, and banks were not spared. A recent study by EY found that 57% of respondents limited or stopped using cash, and there was a 34% increase in people preferring contactless payments over all other forms. On top of that, 43% said they changed how they banked because of COVID. I had difficulty finding the specific research paper, so I don’t know the parameters under which the study was performed, so I don’t know the error bounds on those metrics. Nevertheless, this appears to validate the obvious conclusion that COVID has been a massive disruption to the status quo and indicates that the disruption catalyzed a push to a digital financial world.

These sudden changes are putting a lot of stress on traditional institutions with legacy infrastructure that is too outdated to meet the demand of universal digital adoption. The technology powering most traditional banks is exactly that: traditional. Right now, many of them (read: not even all of them) are trying to uproot their entire data infrastructure, which is going to take a lot of time and mammoth amounts of money with plenty of bumps in the road. The consumer is ready for the plunge, but the institutions are far from it.

The Next Step

But there’s more than just the move to a digital plane. There’s another step down the drain, and that’s crypto. The future of traditional financial institutions is on shaky grounds as the emergence of decentralized blockchain technology has created a means to close the gap between what consumers want and what the financial industry is willing to provide. In a wide-angle lens, there’s a mismatch between what consumers prioritize and what banks and payment services provide. This is one of the underlying stressors that are likely to continue the push to decentralization.

Some of the biggest priorities for customers when choosing whom to bank with don’t even show up on the radar for most banks’ prioritization strategies. On the matter of retail banking, customers use it as a safe store for their cash. Banks then lend out money at a higher interest rate than they pay on their customers’ deposits to earn profit…but only if people are willing to take out loans. At the start of the pandemic, people were depositing more and more cash to save their stimulus and higher unemployment benefits.

However, the uncertainty of near- and long-term consumer spending slashed demand to take on risk and borrow money, which ended up costing the banks dearly for holding static cash. So, they started to put in efforts to work against their customers and incentivize them to pull out their nonoperational deposits through means such as reverse tiering, where clients are given lower interest rates if they put in additional deposits above certain thresholds. And with strategies such as that being industry standard, customers have very limited means for protecting themselves when traditional banks start feeling the pressure.

The long-term solution to competing interests between consumer and bank, from my view, appears to be digital assets. Taking a look back at those customer priorities for retail banking and payments services, it seems like blockchain technology has the ability to satiate those demands better than any bank:

And the people realize this. The Motley Fool recently reported that over 50 million Americans, making up 20% of the adult population without crypto holdings already, are willing and likely to join the crypto movement next year. Many of them probably buy-in because they see the incredible bull runs that crypto tokens make. Still, many are also thinking of joining because they see an opportunity to escape the problems that are driving anger and distrust in the current financial system.

One common criticism of cryptocurrencies is that the anonymity behind public keys opens the door for money laundering by criminal syndicates. That was always an odd criticism that I never bought into. The whole purpose of a blockchain is to be an open, visible ledger that holds every single transaction that has ever taken place on it. So if an investigator were looking for someone trying to hide their money on the chain, he could find exactly how much money was moved, where it went, and where it came from. For example, in July of this year, the British police confiscated $250M in an international money laundering scheme after finding another $160M scheme three weeks prior. And money laundering is as bad as it ever was in today’s financial system. Just look at Wachovia, through which the Mexican Cartel had moved $300B, with a huge capital B. I like the transparent, distributed ledger blockchains.

I want to close this out with one of the most eye-popping numbers I’ve found while researching this topic. In that same EY survey referenced earlier in this piece, 17% of respondents trust the activities of financial institutions in a crisis. Let me repeat that: seventeen…percent. I don’t see how a system can operate in the future when one in six consumers trust that system. I’m looking at the marbles, and it looks to me like they are all rolling towards decentralized trustless finance and decentralized trustless cryptocurrencies. COVID shocked the system, rapidly upping the pace on this long walk to a world run through crypto, and the end state is now a lot closer than it used to be.

AlgoDAO is on a mission to eliminate the economic barriers to Web3 funding by providing access to a decentralized primary market infrastructure at scale. AlgoDAO is purpose-built for the Algorand network to function as an accelerator, launchpad and price-discovery engine to access early-stage funding opportunities.

AlgoDAO will play a significant role in mainstreaming the adoption of blockchain-powered solutions by facilitating the participation of non-crypto natives and non-technical audiences in early-stage investments in high-quality projects in the new digital assets economy.

Algorand Foundation’s strategic investment in the seed round further validates our strong belief for the need for a decentralized primary infrastructure to rapidly scale Algorand’s L2 ecosystem, attract and empower developers to build on Algorand, as well as position Algorand to compete effectively with other L1 chains in the DeFi, Web3, and dApps economy.

The strategic investment of the Algorand Foundation further qualifies projects that pass AlgoDAO’s due diligence to be incentivized with a US$5,000 ecosystem support grant and an NFT badge that provides them with provably reputable third-party validation.

In the words of Nathan Kaiser, appointed Managing Director at AlgoDAO: “The Algorand Foundation joining AlgoDAO as a strategic investor is a testament that we are on the right track in our mission to build a vibrant primary market infrastructure for the Algorand ecosystem. We will be working closely with the Foundation to unlock more opportunities for innovative projects to get all the support they need to build the borderless future of Algorand.”

“AlgoDAO’s implementation of a built-in accelerator within their launchpad helps boost the quality of projects in the Algorand ecosystem. Some users might find their Sigma pool farming very interesting as it grows over time due to the number of projects successfully funded,” says Daniel Oon, Head of DeFi at the Algorand Foundation.

AlgoDAO had previously completed its scoping and initiation phase and it will soon commence its private beta and semi-public beta testing. The learnings from the beta testing phase will be crucial for fine-tuning the technology, systems, and processes. This will ensure AlgoDAO can deliver a best-in-class decentralized primary market infrastructure and tokenized incubator to empower the organic expansion of dApps, Web3 applications, and DeFi projects within the Algorand ecosystem.

About AlgoDAO: AlgoDAO is a next-generation decentralized primary market infrastructure and Web3 accelerator for the Algorand ecosystem. It is designed to be a community-owned and driven ecosystem for incubation, launching, accelerating, and collectively investing into high-quality projects building on Algorand. https://algodao.fi

About Algorand Foundation: The Algorand blockchain — designed by the MIT professor and Turing Award winning cryptographer Silvio Micali — is uniquely capable of delivering on the promise of a borderless global economy. It achieves transaction throughputs at the speed of traditional finance, but with immediate finality, near zero transaction costs, and on a 24/7 basis. Its carbon-neutral platform and unique pure proof-of-stake consensus mechanism solves for the “blockchain trilemma” by achieving both security and scalability on a decentralized protocol, and without a second of downtime since it went live in 2019. The Algorand Foundation is dedicated to helping fulfill the global promise of the Algorand blockchain by taking responsibility for its sound monetary supply economics, decentralized governance, and healthy and prosperous open-source ecosystem.

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Deals can be posted in the sentiment channel after 96 hours from posting it in the hive channel. In case of time-sensitive project or deals, it can be fast-forwarded to sentiment. The sentiment channel helps to get the general sentiment of the members regarding the project. If we have more votes, we proceed on discussing the deal. By the time a project is posted in the sentiment channel, we’ll have a dedicated channel for discussions related to the project to keep comments organized.

After the project has passed the sentiment channel, someone from the DAO can discuss the deal, or we might already have one. We will have a pledge form by now to check the estimates and roles everyone is playing. The last step is the vote to fund the project. The project and every information will be posted, and the members needs to vote to fund the project, if the vote passes, we will fund the project, else we won’t fund it.