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offers a state of the art wallet.
First of all is a non-custodial wallet. The user is the sole owner of his/her bitcoins.

The owner of a wallet is the one having the private kayes. The private keys, in modern wallets, are generated by the combination of a mnemonic (12-24 words chosen by a Bitcoin algorithm) and a password (called passphrase).
In poorly designed wallets, only the mnenomic is used to generate the private keys so anyone with access to the words can steal the bitcoins.

Bapp doesn't hold the private keys of its users. When an user creates a wallet, the wallet mnemonic is encrypted (*), at the browser, using, among other things, the wallet password as part of the encrypting key, (and a time consuming procedure to disencourage a brute force attacks on the encrypting key), and the resulting cyphered text is sent to the server where it's again encrypted on the server with an internal encrypting key.

When a text is encrypted the only way to decrypt it, obtaining the original text, is by brute force trying different keys and it can take maney years if the key is good enough. So an encrypted text is protected against prying eyes.

When an user wants to send bitcoins, the private keys are generated at the browser by the wallet mnemonic, decrypted with the processed wallet password and the same time consuming procedure, plus the wallet password. Once the bitcoins are sent the private keys are deleted.

Important: in a non-custodfial service the user is responsible for keeping access to his/her bitcoins. In the case of a wallet if the mnemonic/password combination is lost then the bitcoins are lost.

(*) What's is encryption and why are texts encrypted? Encription is used to protect data. In this case we want to protect 24 words so nobody sees them. An encryption algorythm uses a user supplied key (it's like a password) to obfuscate the text you want to protect. After encryption the text, "word1 word2 ..." get transformed to "c2b164b0e02f6c087a748cd2ecd4aefe ...". Now all we have to do is keep the encrypted text (called cyphered) and the key. Whenever we want we reverse the encryption to get the original text back. wallet has an expert view and a simplified view.

The following image is the simplified view. One cool feature of wallet is the possibility, when sending bitcoins and in some other situations, of using any user's email instead of a Bitcoin address. In addition the frequent recipients can be saved with a nick name for convinience.
In the expert view, give total control to the user sobre every single detail of the transaction: fees, change address and coin (utxo) selection.
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offers a state of the art Bitcoin Inheritance Solution,

Using a dynamic Bitcoin Smart Contract, funds are protected by the Bitcoin chryptograhpy.

The inheritance Plan is based in an inheritance tree.

The Inheritance Plan is activated after an inactivity time set by the creator.
When the Inheritance Plan is executed, the active beneficiaries recive an alert to sign the transaction to receive the funds.
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After Message
allows you to automate a message to a loved one, trusted friend, or business partner that is only sent if you stop to login at . Send an encrypted posthumous, or at an specific date, with vital information about how to access your bitcoins or about any other important issue you want to make sure your loved ones receive.
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Imagine having $500 millions in some coin but no secure way to transmit it to your loved ones, only to die and have all that money lost in cryptographic ether for ever (and beyond). This happened to Matthew Mellon and their loved ones won't see a single $ of the $500 millions.
News here. By the way, don't let the Ripple CEO make you believe that xrp and ripple are the same thing.

If only Matthew Mellon would have had After Message to securely pass on his keys after his death.

Don't take stupid risks and use After Message.
With the same highly secure procedure used with your wallets private keys, the information you need to pass your loved ones will be protected and securely transmitted only when you passed away.

Examples of uses of After Message. Tell someone:
  1. Your login details to and the password of your wallet

  2. If you have another coin tell them the details to access your wallet

  3. That you have money under the mattress
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A Multisignature Wallet, called Joint Wallet at , allows several people to be able to spend bitcoins in a coordinated way. More here

Each signer of a Multisignature must assciate a Wallet (in particular a Bitcoin address) to the Multisignature. The private key of the Bitcoin address will be used in order to sign the transactions that spend funds.

Two brothers could set up a 1 of 2 Multisignature so any of them alone could spend the bitcoins in the Multifirma with a single signature. Or they could set up a 2 of 2 Multsignature so both of them should sign each spending transaction.
Three partners could set up a 2 of 3 Multisignature so two of them are required to sign each spending transaction.

As every other service, Joint Wallet is a non-custodial service so the signers are the sole owners of the Joint Wallet funds and only them can spend them.

What set ahead of the competition is that, signers can manage their payment from any computer/tablet/phone connected to the internet. No need for QR codes, sending partially signed transactions, manually broacasting a transaction, etc.

The following image shows a payment where signer John2 has signed and signer John is required to sign. All John has to do in order to sign the payment is click on his name and enter the password of his wallet associated with the Joint Wallet.
The interface to create a Joint Wallet payment is the same as the one when sending bitcoins from a wallet.
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Trust is a Bitcoin Smart Contract that protects and freeze the bitcoins in the Trust until the time you choose.

If the Trust recipient is disabled for some reason, the Trust creator recover the funds two months after the chosen time.
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is a non-custodial service so there is no way to direct debit a wallet which is a very good thing.

Recurring Payments notifies the user when a payment is due.
By clicking on the alert the user will be able to choose from what wallet (or any other instrument like a Joint Wallet) to make the payment from.
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Tired of being censored, spied, having your conversations monetized, etc when you chat with your friends?

Messaging takes privacy to the extreme.
Your messages are not stored in a database so no one can read them, demand access to them or demand they are censored.

As messages are not stored, the communication is synchronous which means that sender and recipients must be both online at the same time in order to chat.
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Payment Request is a convinient way to request other users a payment.

The person that receives the payment request is notified through an alert. By clicking to the alert, the user is redirected to pay the request.
A historic log of the payments is kept for the user.
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Services Under development

The Bitcoin Blockhain takes its time to process transactions and a miner fee has to be paid.

So, how can we send instant payments at virtually no cost to buy very cheap stuff?

The solution is a layer of software, that runs above the Bitcoin Blockhain, called the Lihgtning Network.

But setting a Lightning Network node is difficult and requires hardware running 24/7 making it all very unconvenient. Lightning Network is a non-custodial, multi-user Lightning Network service.

Creating and paying invoices is straight forward.
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. Innovation leader in Bitcoin Smart Contracts.

Bitcoin has a programming language (Bitcoin Script). This programming language is, on purpose, non turing complete. By using this programming language, Bitcoin smart contracts can be created. The simple sending of bitcoins from a wallet is the simplestform Bitcion smart contract. A Bitcoin multisignature is an example of a more sophisticated Bitcoin smart contract. What sets apart from other solutions, is that it makes full use of complex Bitcoin Smart Contracts to offer hihgly sophisticated and secure services. has developed a Bitcoin Smart contracts Engine that generates, executes and tests Bitcoin smart contracts. With this innovative technology, can offer amazing Bitcoin cryptographically secured smart contract services like inheritance, trusts and more to come.
In order to understand , we need to know a little about Bitcoin Smart Contracts.

Bitcoin Smart Contract Engine

Bitcoin Smart Contracts?

Bitcoin Smart Contracts are the great unkown. Even a Bitcoin suuporter like financial giant Fidelity thinks they simply don't exist. See the presentation here on page 16.

What is a Bitcoin Smart Contract?

Mastering Bitcoin is a master piece book written by the well known Bitcoin advocate Andreas Antonopoulos. In the book, Andreas brilliantly explains the creation of Bitcoin Smart Contracts using the Bitcoin programming language. Needless to say, the explanation we are going to give here is a very superficial one and we encourage the reader to read Andreas's book if he/she wants to learn about Bitcoin programming in depth. Some images and texts has been taken from the book.
"Bitcoin executes a script when constructing and validating transactions. This programming language is forth-like, Script is simple, stack-based, and processed from left to right. It is purposefully not Turing complete, with no loops."


When Bitcoins are sent to an address, behind the curtain, a script is created. This script, called Locking Script, protects these bitcoins in the sense that in order to spend them, a second script must be provided.
Both script are joined as a single script an then executed. If the execution succeeds, the bitcoins are spent.
In the image, the red script (this is one of several different Locking Scripts) is the one protecting the Bitcoins sent to a Bitcoin address.
The Locking Script defines the Bitcoin Address. Different types the Bitcoin Addresses (p2pkh, p2wpkh-p2sh, p2wpkh, ...) have different Locking Scripts.

The script in green is the Unlocking Script created by the person wanting to spend the Locked bitcoins.
In this case, The person trying to spend the bitcoins must provide a digital signature produced by the user’s wallet from his or her private key. So only the owner of the private key can spend the bitcoins.

Multi Signature

A multisignature is used, for instance, when three partners want to impose the constraint that in order to spend bitcoins two of the three partners must sign the transaction.Up to 15 signers can be part of a Bitcoin Multisignature Script. It's called a 2 of 3 Multisignature Script.

The Locking Script, in red, in the image below is an example of a 2 of 3 signers Multisignature Bitcoin Smart Contract. Each signer adds a public key from a Bitcoin address of one wallet. Once every signer has added his/her public key, the script is complete and then a Bitcoin address associated to the Locking Script is generated.

This concept is very important and confuses many people when listening about Bitcoin proramming language.
This means that the Bitcoins sent to a Multisignature Bitcoin Address are not in any wallet.
Here comes another twist. In order to spend the bitcoins in the Multisignature Bitcoin Address, two of the three signers must provide a signature made with the private keys associated to the Bitcoin address from their own wallets that they associated to the Multisignature Script.
With these 2 signatures, the Unlocking Script is created and the bitcoins in the Multisignature Script can be spent.
The funds in the Mutlsiginature Script Address are protected by the private key of the associated wallets (also by the fact that the Multisignature Script must be known to spend bitcoins). This is where the music stops regarding Bitcoin Services. But with Bitcoin programming much much more can be accomplished.

Generic Bitcoin Smart Contracts

Here things get interesting. We are entering nerd territory so don't worry if you don't follow every single detail.
Eveng though, not turing complete, Bitcoin programming can be used to create highly sophiscated smart contracts like the Lightning Network.
The following image is the smart contract that Andreas shows in his book.
The smart contract has 3 execution paths.
  1. IF-IF: 2 of the signers, sign a transaction to spend funds

  2. IF-ELSE: After 30 days Abuld and one of the 3 signers, sign the transaction

  3. ELSE: After 90 days Abuld alone signs the transaction
This smart contract contains 4 public keys. Each of the 4 signers in the smart contract must associate a Bitcoin address from a wallet.
As with the Multisignature, once the smart contract is complete a Bitcoin address is generated from it. Funds, then, can be send to this address.

In order to spend bitcoins, an execution path must be chosen and signers implicated in this path must sign the transaction. If there is a time constrainst, as it's the case in paths 2 and 3, the transaction can only succeed if the specified time has arrived.

The code to do all this is 4 pages long. A single mistake and the Bitcoins secured by the smart contract address can be locked for ever.

excells at the use of Bitcoin smart contracts. Services like the Inheritance Plan and the Time Trust are examples of the use of Bitcoin Smart Contracts.
Instead of coding one by one each smart contract and its execution paths, has developed a Bitcoin smart contracts-- Engine that generates the mart contract and their execution paths.

The Engine hides all the complexities of the coding of Bitcoin Smart Contracts, so when developing a Bitcoin Smart Contract service the effort falls only in the service logic with the assurance that the Bitcoin smart contract will be error free and properly coded.

The Bitcoin Smart Contract Engine, which is used internally at , has a GUI where a visual representation of the smart contract is introduced.
The image shows how easy generating the Andreas' smart contract is. The tedious, error-prone 4 pages of code is replaced by a few seconds of work with the computer mouse.
From the GUI extracts a convinient extra layer of a propietary Bitcoin smart contract representation. From this representation the Bitcoin smart contract and the Execution Paths code are generated.

Why using Bitcoin smart contracts is a game changer?

By using Bitcoin Smart Contracts, users' bitcoins are protected by Bitcoin cryptography. Only the users can generate the private keys necessary to sign transactions that spends the bitcoins deposited in a Bitcoin Smart Contract address.
So not only 's wallet is non-custodial but, thanks to that, also Bitcoin Smart Contract are non-custodial.
This means that users' bitcoins in the Bitcoin Smart Contract are safe from bad actors both insiders and outsiders.

In addition, the Bitcoin Smart Contract enforces the necessary constraints such as time contrainsts as in Time Trust.
So the business rules are enforced by the Bitcoin Cryptography.
As an anecdote, I had the honour of having dinner with Ammous Seifedean, and some other bitcoiners, the night before he presented The Bitcoin Standard book in Madrid. After dinner I showed him screnshots of the Bitcoin Smart Contract Engine and he raised his hands and asked "Why is nobody doing this?"
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