PAX Gold (PAXG) är en banbrytande lösning som förenar det bästa av två världar: blockkedjebaserad handel och värdet av fysiskt guld. Den här kryptovalutan ger tillgång till äkta guldtillgångar – utan behovet av att själv hantera, förvara eller transportera guldet.

Vad är PAX Gold?

PAX Gold är den största digitala tillgången som backas av fysiskt guld. Varje PAXG-token motsvarar en troy ounce (ca 31,1 g) av ett 400-ounce London Good Delivery-guldtacka.

Priset på PAXG följer det aktuella guldpriset, vilket gör den till en mer stabil kryptotillgång än många andra alternativ på marknaden.

Tokenen ges ut av Paxos Trust Company, och alla PAXG-tokens är fullt täckta av fysiskt guld som förvaras i säkra valv – ungefär som hur stablecoins backas av fiatvaluta.

För att säkerställa transparens genomför Paxos regelbundna månadsaudits som visar att varje token motsvarar en verklig guldreserv. Tillsynen sker under övervakning av New York State Department of Financial Services.

Användare har också möjlighet att växla sina tokens mot riktiga guldtackor, eller för mindre kvantiteter, via ett globalt nätverk av guldåterförsäljare.

Vem ligger bakom PAX Gold?

Paxos Trust Company grundades 2012 av Charles Cascarilla och Rich Teo, med målet att skapa säkrare och mer tillgängliga sätt att hantera tillgångar.

Cascarilla har bakgrund inom finans och kapitalförvaltning, och har varit aktiv i både traditionella och blockkedjebaserade investeringsprojekt.

År 2018 lanserade bolaget Paxos Standard (PAX), en stablecoin knuten till den amerikanska dollarn. Den omprofilerades 2021 till Pax Dollar (USDP).

PAX Gold lanserades 2019 som ett digitalt guld – reserverna hålls i valv säkrade av Brinks, och oberoende revisorer granskar månatligen att reserverna motsvarar antalet tokens i omlopp.

Paxos har fått stöd från flera stora investerare, däribland PayPal Ventures, Oak HC/FT och Mithril Partners.

Hur fungerar PAX Gold?

PAXG är en ERC-20-token byggd på Ethereum-nätverket, vilket gör den kompatibel med många decentraliserade appar och plattformar inom DeFi.

Varje token motsvarar en troy ounce av fysiskt guld, och varje enhet är kopplad till ett specifikt guldtacka med unikt serienummer – som användare kan spåra via ett lookup-verktyg från Paxos.

Tokenen kan växlas till:

• Fysiskt guld
• Fiatvalutor
• Andra kryptovalutor

För att skapa eller lösa in PAXG tas en liten avgift ut (0,02 %), utöver de vanliga nätverksavgifterna (gas fees) för Ethereum-transaktioner.

Tack vare att PAXG är delbar med upp till 18 decimaler blir det möjligt för användare att äga en bråkdel av en guldtacka – utan att hantera det fysiska guldet.

Säkerheten tas på allvar: Paxos använder avancerade verktyg för att övervaka transaktioner och motverka bedrägeri och penningtvätt. Kodbasen granskas också löpande via smart contract-audits.

Vad är PAXG-tokenen?

PAXG är en digital tillgång som kombinerar stabiliteten i guld med tekniken i Ethereum. Varje token representerar en troy ounce av ett fysiskt guldtacka – vilket gör den spårbar, växlingsbar och tillgänglig.

Tokenen ger användare möjlighet att exponera sig mot guldpriset på ett mer flexibelt och tillgängligt sätt än att köpa fysiskt guld.

Alla tillgångar som backar PAXG förvaras säkert av Paxos och kontrolleras via månatliga rapporter som är tillgängliga på deras webbplats.

Hur köper jag PAX Gold (PAXG)?

Om du vill få tillgång till värdet av fysiskt guld – utan att behöva köpa, hantera eller förvara guldtackor själv – kan PAXG vara ett smidigt alternativ.

Via Tap-appen kan du enkelt köpa, sälja, handla och lagra PAX Gold-tokens. Det är bara att:

1. Ladda ner appen
2. Skapa ett konto
3. Slutföra en snabb verifiering

Därefter får du tillgång till säkra kryptoplånböcker och marknader där PAXG finns tillgänglig.

Appen erbjuder inte bara handel med kryptovalutor – du kan även göra fiatbetalningar direkt från appen, eller använda Tap-kortet för att spendera dina tillgångar i vardagen – oavsett om det är i guld, krypto eller traditionella valutor.

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Generally when one mentions investing, one thinks of stocks. Forming the foundation of more investment journeys, stocks or equities provide a tried and tested option for using capital to gain profits. In this article, we’re guiding you through the most important concepts you need to know when it comes to investing in the stock market, from what stocks are exactly to how to stock market basics. 

What are stocks? 

Also referred to as equity or shares, individual stocks are securities that provide fractional ownership in a company. Units of stock are called shares and entitle holders to "own" a small part of the issuing corporation. This can also entitle the owner to receive dividends from any profits the company might earn.

Other terms one might hear are exchange-traded funds (ETFs) which are stocks based on pooled investments that mimic the price of the underlying asset allocation while mutual funds are professionally managed investment funds. An investment portfolio can be made up of a collection of the above, or individual stocks, depending on your financial goals.

Stock market vs stock exchange

Stocks are traded on stock exchanges around the world and their price is driven by supply and demand. The term stock market refers to the entire industry while the term stock exchange refers to the platforms on which stocks are traded. 

What is a stock exchange?

A stock exchange is an exchange platform where publicly-traded stocks can be purchased and sold through buyers and sellers, like the New York Stock Exchange for example. Initial Public Offerings (IPO's) are the primary mechanism of raising capital, where organizations sell shares to the general public in exchange for capital. This process allows the business to expand without incurring debt. 

In exchange for being allowed to offer shares to the public, companies are obliged by law to publish financial information about the company's performance and grant shareholders a voice in how the business operates.

Advantages of investing in stocks 

Before engaging in any stock market investing it is important to determine your risk tolerance. This pairs your current financial situation with the amount of risk you are willing to endure, anywhere from low risk to high risk. It's best to consult a financial planner should you be unsure. 

Once this has been determined, you can build a strategy for your stock investments and partake in the many advantages that the stock market has on offer. 

Profits

Should a company's share price increase, investors can make considerable profits by selling the shares at the right time. 

Ownership

Shares provide investors with ownership in the company relative to the number of shares they own. As a shareholder, you gain access to a portion of the profits and may also receive voting rights within the business. 

Dividends

Investors can earn passive income by receiving dividends from a company they have invested in when they pay out the profits made over a certain time period. Some companies offer quarterly dividends while others are annual. 

Income and growth

Stocks deliver an ideal investment opportunity that can provide both income and growth. Investors looking for a more risk-averse investment and stronger financial stability will benefit from engaging in the stock market. 

Experts can leverage your earnings

Skilled fund managers understand mutual funds inside and out, gaining skills that allow them to optimize investments to capitalize on market fluctuations. Constantly monitoring equity funds for opportunities to better position clients' portfolios, these experts continually revise their strategies as needed.

Disadvantages of investing in stocks

Requires time

If you are new to the industry and intend to invest on your own, you will need to undergo a considerable amount of research on each company before investing in it. You will also need to learn how to read financial statements and annual reports and keep an eye on the news when determining whether a company might be profitable in the near future. 

No guarantees

While considered one of the "safer" investment options, individual stocks can still be high risk as there is no guarantee of what might happen to a company on a year-to-year basis or that you won't lose money. Always determine your risk tolerance before investing in the stock market.

Fluctuating prices

All markets are subject to volatility and the stock market is no exception. Be sure not to fall into the trap of making trading decisions based on emotion and stick to the golden rule: buy low, sell high. 

How to invest in the stock market

Ready to start investing in the stock market? The process is probably simpler than you thought it would be. 

1. Find a brokerage account most suitable for your investment goals
   Consider your short and long-term goals and determine which account is best suited to you, from college savings accounts to an individual retirement account to everything in between. 
2. Find a brokerage company
   Next, you'll want to find a brokerage company. Consider their available investment options, reputation, and fees when looking for the right fit. If you're looking to invest in stock mutual funds, individual stocks, or index funds, be sure that the brokerage account (or brokerage firm) provides the relevant services.
3. Deposit funds
   Once you've opened your account you will need to deposit money to get started. This is generally in the form of a lump sum, however, monthly recurring payments can also be set up.  
4. Determine which investments you want to open
   After opening an account you can begin to purchase and sell stocks, as well as bonds, stock mutual funds or general mutual funds, index funds, and ETFs that are composed of hundreds of securities. Whether investing in various individual stocks or the investment options listed above, consider using a diversified, risk-friendly approach whereby you don't put all your eggs in one basket. 
5. Confirm your investments by purchasing them
   Once you've decided what to purchase, simply enter the ticker symbol in the buy field and specify how many shares you would like to acquire. And that's how you enter the stock market world.

Final thoughts

By their very nature, stock market investing can be volatile with numerous internal and external factors outside of the control of retail investors affecting stock prices. While exchange-traded funds and mutual funds might diversify this risk, it's best to assume that you are still susceptible to it.

During times of extreme price fluctuations within the stock market don't make emotional decisions and instead maintain patience. Consider writing down your goals beforehand and referring to this in times of market turbulence. Having a diversified portfolio of individual stocks will help mitigate risk. 

It's critical to understand your risk tolerance before investing in the stock market and make sure you get investment advice from an expert so that you can determine the best course of action for yourself. By analyzing your personal financial situation, they are able to advise you on the best route for your financial goals, from whether it's best to invest in individual stocks or index funds before you start investing.

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Från och med idag kan du köpa, sälja, hålla och växla PAXG mot EUR, USD, GBP och fyra andra fiatvalutor – helt utan begränsningar. Tack vare vår pair-agnostiska handelsmotor kan du enkelt växla PAXG mot vilken annan tillgång som helst som stöds i appen – ingen fast handelspar krävs.

Vad är PAX Gold (PAXG)?

PAX Gold (PAXG) är en guldbackad kryptotillgång som kombinerar stabiliteten i fysiskt guld med flexibiliteten i digitala tillgångar. Varje token representerar exakt en troy ounce (31,1 gram) av ett 400-ounce London Good Delivery-guldtacka. Detta innebär att priset på PAXG direkt följer det aktuella marknadspriset på guld.

Till skillnad från traditionella investeringar i fysiskt guld, slipper du hantering, förvaring och dyra minimibelopp. Med PAXG får du istället en digital, säker och enkel tillgång till guldmarknaden – helt utan mellanhänder.

PAXG är byggd på Ethereum som en ERC-20-token, vilket gör den kompatibel med DeFi-ekosystemet. Varje token har ett spårbart serienummer kopplat till verkligt guld som förvaras i säkra valv, vilket ger hög transparens och pålitlighet.

Varför välja PAX Gold på Tap?

Att investera i PAX Gold via Tap gör det enklare än någonsin att kombinera guldsäkerhet med krypto-frihet:

• Växla PAXG fritt mot EUR, USD, GBP och fler valutor
• Ingen oro för handelspar – Tap är pair-agnostisk
• Håll, sälj eller använd PAXG tillsammans med andra tillgångar i din portfölj
• Handla tryggt i en reglerad app med fokus på säkerhet och enkelhet

Detta är ett viktigt steg i vår strävan att ge användare tillgång till både traditionella och moderna finansiella verktyg. Vi fortsätter att expandera vårt utbud för att ge dig större valmöjlighet och frihet i hur du hanterar dina tillgångar.

📘 Vill du veta mer?‍

Läs vår artikel om PAX Gold (PAXG) och upptäck hur guld på blockkedjan kan bli en värdefull del av din investeringsstrategi.

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The performance of the money markets in 2022 was far from impressive. With inflation on the rise and real estate facing significant speculation, various markets experienced substantial setbacks. This includes the S&P 500, a typically used gauge of economic well-being, which saw a decline of 20%.

Among the fear and uncertainty, it's important to remember that markets ebb and flow and will recover, the only unknown is when this will happen.

While the golden rule is to remain level-headed and not make trades based on emotion (primarily fear), we understand that that's sometimes easier said than done. Remain a successful investor despite the market dip by conquering the emotional aspect of trading and getting a better grip on your investment portfolio.

You've assessed your risk tolerance, researched historical market volatility, and built an investing strategy, now tackle the winds of the bear market head-on with these three valuable tricks to avoid making costly mistakes. 

3 tips on avoiding costly mistakes during market downturn

Investing in the stock market, or any emerging markets is like riding a rollercoaster, when the markets are down the only ones that get hurt are the ones that jump off. It is often more valuable to hold your investment and wait for the markets to recover (and yes, this may take years) than to liquidate a trade and make a permanent loss. 

Consider how long the stock market has been operating and how many bear and bull markets it has experienced. The past performance of market history shows us that it will always correct itself.

1. Don’t abandon your investments

When your retirement account drops in value, it can be tempting to "protect" the remaining funds by selling off high-risk mutual funds or equity securities and moving them into something that is perceived as a "safe option" until the stock market steadies.

However, when investors try to exit the market this way, more often than not they end up losing more money than they would have had they ridden out the rollercoaster. 

Remember, investing is a long-term game and requires a certain level of discipline, consistency, and patience. Financial journeys rarely turn to millionaire status overnight and should be centered around building long-term wealth as opposed to overnight success.

Instead of focusing on day-to-day or month-to-month performances, focus on the bigger picture. When the markets rebound and your balances start to reflect this, you will be grateful you left your diversified portfolio intact.

2. Take advantage of the "discount" prices and keep growing your investment portfolio

According to a study by Allianz Life, 54% of Americans have cut back or altogether stopped savings for retirement due to concerns about inflation. While we know investing involves risk, this can be a very costly mistake in the long run. 

Consider periods of a market downturn as "sales" that offer shares on the stock market at discounted prices. When the markets are down, the same stocks that were previously being traded for high amounts are suddenly going for much less. "Buy the dip" is a popular investment phrase that encourages investors to buy when prices are down. 

If investing when the markets are down makes you nervous, consider the data: historically, stock markets always recover. It might take years or months, but stock prices will return to previous levels, and more than likely exceed these. As will your investment portfolio's balance. 

3. Consider talking to a professional financial advisor

While the main aim is to stick to the straight and narrow of fact-based trading as opposed to emotion-based, there is never a bad time to seek professional help when you think you might need it. A professional financial advisor can advise on questions or ideas you might have for managing your portfolio and might offer some peace of mind during dark times. 

There's never a wrong time to ask for help, and never feel like you need to brave the markets solo. 

Keep your investments on track (stock market and otherwise)

Investing isn't for the faint-hearted, especially when the markets are going through a dip. Consider the 2007 financial crisis for example, it took five years for the markets to recover from rock bottom, and a few more months to reach highs achieved right before the dip.

The markets will always recover, it's how you handle the dips that will determine the success of your investments. If you're ever uncertain, consider talking to a financial advisor who can guide you in the right direction.

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Ethereum Name Service (ENS) är ett spännande projekt som syftar till att göra kryptovärlden, särskilt inom DeFi och Web3, mer lättillgänglig. Precis som domännamnssystemet (DNS) förenklade webben genom att ersätta IP-adresser med minnesvänliga namn, gör ENS samma sak för kryptoadresser.

Vad är Ethereum Name Service?

ENS är ett decentraliserat namnprotokoll som gör det möjligt att koppla en mänskligt läsbar domän (som t.ex. namn.eth) till en Ethereum-adress. Det innebär att man slipper långa, svårtydda teckensträngar och istället kan ta emot betalningar till ett enkelt och begripligt namn.

Till exempel: Istället för att ange en adress som 0x71C7656EC7ab88b098defB751B7401B5f6d89, kan du bara skriva dittnamn.eth.

Du registrerar domännamn via ENS Manager eller andra godkända registratorer. Domänen sparas i ENS-registret, och du blir officiellt ägare av den.

ENS använder ett hierarkiskt system, där du också kan skapa subdomäner (t.ex. wallet.dittnamn.eth) som du kan använda eller dela med andra.

Hur fungerar Ethereum Name Service?

ENS-systemet bygger på två huvudkomponenter: ENS-registret och resolvers (avkodare). Tillsammans översätter de domännamnet till rätt kryptoadress.

ENS-registret

Här registreras alla domännamn (t.ex. .eth) och information om vem som äger vad. Det är första steget när du skaffar en ENS-adress.

Resolvern

En smart kontraktlösning som kopplar domännamnet till den faktiska Ethereum-adressen. Du kan använda en standardresolver eller en egen. När någon skickar ETH till dittnamn.eth, frågar systemet resolvern efter den kopplade adressen – och voilà, transaktionen går igenom.

ENS kan även lagra annan information, som IPFS-hashar eller Swarm-länkar, vilket möjliggör länkning till decentraliserat innehåll.

Vem skapade Ethereum Name Service?

ENS föreslogs första gången 2016 av Nick Johnson, en tidigare Google-ingenjör och Ethereum Foundation-utvecklare. Projektet lanserades som ett fristående initiativ i maj 2017 och har sedan dess vuxit till att bli en grundpelare inom Ethereum-ekosystemet.

Vad är ENS-tokenen?

ENS-tokenen lanserades 2021 som ett sätt att ge användare inflytande över ENS-ekosystemets framtid. Den används inte för att betala för domänregistreringar – det sker fortfarande med ETH.

Istället är ENS-tokenen ett governance token, vilket betyder att innehavare kan rösta om viktiga förändringar i systemet.

Prisexempel för att registrera .eth-domäner:

• $5 i ETH/år för domäner med 5+ tecken
• $160 i ETH/år för domäner med 4 tecken
• $640 i ETH/år för domäner med 3 tecken

Ju kortare domän, desto högre pris – eftersom tillgången är mer begränsad.

Totalt skapades 100 miljoner ENS-token och en stor andel delades ut genom en community-airdrop vid lanseringen.

Vad är ENS DAO?

ENS DAO är en decentraliserad organisation där ENS-tokeninnehavare röstar om projektets framtid. Det kan handla om förbättringar, nya funktioner, eller policyförändringar.

DAO:n spelar en viktig roll för att se till att ENS utvecklas i linje med communityns behov – öppet och transparent, precis som det bör vara i en decentraliserad värld.

Vad är ENS Foundation?

ENS Foundation är en ideell organisation som stöttar utvecklingen och tillväxten av ENS. Den fokuserar på:

• att främja adoption
• stötta utvecklare och användare
• hålla i evenemang och finansiera projekt inom ekosystemet

Tillsammans med ENS DAO ser stiftelsen till att plattformen både växer och förblir decentraliserad.

Hur köper jag ENS-token?

Via Tap-appen kan du enkelt köpa, sälja och lagra ENS-tokens. Du kan handla ENS med fiat eller andra kryptovalutor, och allt sker tryggt via Tap:s integrerade plånbok.

Ladda ner appen, skapa ett konto, verifiera din identitet – sen är du redo att börja använda ENS och andra kryptotillgångar, smidigt och säkert.

Crypto wallets are a critical tool for anyone looking to use, store, and manage crypto assets. Crypto wallets come in various forms, with different features and security options that cater to the needs of different users. Finding the right crypto wallet is essential if you want to get the most out of your cryptocurrency investments. 

No matter what type of crypto wallet you choose, it’s important to do your research before making a decision since each one comes with its own set of advantages and disadvantages. It’s also important that you keep your private keys safe so no one else can access them, this will ensure that only you have control over your funds and crypto assets. 

What is a crypto wallet?

A crypto wallet is a digital wallet that stores manages and facilitates the use of various cryptocurrencies. In order to store and use crypto assets, one needs a digital wallet. Unlike traditional wallets that simply hold your cash or cards, crypto wallets facilitate transactions as well as store your funds. 

Each crypto wallet has a public and private key which are unique alphanumeric codes that grant the user access to the funds. Public keys are wallet addresses to which other users can send you cryptocurrencies, similar to your bank account number, while private keys are akin to a pin number and should not be shared with anyone. 

In essence, crypto wallets act as secure interfaces for users to access, store and transfer funds across different blockchain networks. In essence, it’s like a bank account for digital currencies. 

The different types of crypto wallets

Crypto wallets can be divided into two main categories: hot wallets and cold wallets. 

Internet connectivity is the defining factor between hot wallets and cold wallets. Hot wallets are connected to the internet, making them less secure but much more user-friendly. On the other hand, cold wallets are stored completely offline and do not require any internet connection. This provides a higher level of security, which makes them ideal for individuals who plan on storing their crypto assets long-term. 

Each of these categories can be further broken down into varying wallets. Under the hot wallets umbrella, there are desktop wallets, mobile wallets, and web wallets, while under the cold wallets umbrella, there are hardware and paper wallets. 

Hot wallets

As a hot wallet is easy to set up and constantly connected to the internet they are ideal for users looking to make daily or frequent transactions. Typically with hot wallets, funds are quickly accessible and they tend to be very straightforward to operate. Below we look at the three main types of hot wallets: desktop wallets, mobile wallets, and web wallets. 

Desktop wallet

A desktop wallet is a cryptocurrency storage solution that allows users to store, send, and receive crypto assets from their personal computers with the crypto wallet stored on the device’s hard drive. 

It is generally considered to be a secure way of managing crypto assets as it does not require the user to store their funds on an exchange, instead giving control over the private keys associated with the hot wallet to the user.

The downside however is that it may be vulnerable to computer viruses should someone gain access to your desktop. 

Mobile wallet

Mobile wallets are digital crypto wallets that allow users to manage their cryptocurrencies directly on their mobile devices. These crypto wallets are very convenient and secure compared to carrying large amounts of money around or keeping it in a traditional bank account.

Mobile wallets provide users instant access with more control over their funds and are particularly useful for quick payments that require a scan of a QR code. When downloading this type of hot wallet ensure that you use a link from the website directly to ensure that you are not falling for a fake wallet. This goes for all hot wallets and cold wallets listed here.

Mobile wallets are typically the best crypto wallets for users actively spending their crypto assets.

Web wallet

Web wallets are hosted by third-party services, which act as custodians for users' private keys. Web wallets provide an easy way to manage digital currencies, allowing users to quickly send and receive payments without having to download or install any software. 

Additionally, web wallets offer enhanced security features such as two-factor authentication and multi-signature transactions. With these features in place, web wallets can provide a secure environment for storing cryptocurrencies regardless of the user's level of technical expertise, an added bonus for hot wallets.

Cold wallets

Cold wallets are hack resistant and therefore are considered the best crypto wallets for hodlers. In order to facilitate trades, cold wallets need to connect to the internet in order to trade directly from their cold storage devices.

Hardware wallet

Hardware wallets store private keys on a physical device like a USB drive or an external hard drive. A common example of this is the Ledger Nano X, while secure it retails for roughly $150.

These crypto wallets provide maximum security but require more effort to set up and use compared to other types of crypto wallets. They typically are also more expensive as one needs to buy a physical device. 

Paper wallet

Finally, paper wallets are simply printed copies of public/private key pairs which allow you to securely store funds offline without having any digital device at all. While these are considered to be the best crypto wallets in terms of security, if the paper gets damaged then the funds are lost.

Finding the right crypto wallet for you

In order to find the right crypto wallet you will need to establish what specifically you wish to do with your funds. If you are looking to hold them long-term, cold wallets are by far the more secure solution, however, if you are making payments and using cryptocurrencies in your day-to-day life, a hot wallet or even a mobile wallet might be better suited to your needs. 

Many crypto users utilize a combination of two or three, using the more secure crypto wallet option to hold their funds long-term while also having a portion of funds in a preferred hot wallet allowing them quick and easy access to their funds when they need them. 

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