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<emilyhorsman> @eva: It _really_ is
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<vanessa> OK folks we're about to start
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<vanessa> 3...2...1
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<vanessa> *What is one thing you wish people knew about digital currency?*
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<vanessa> We know its hard
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<vanessa> We know it's complicated
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<emilyhorsman> IMO we’re still very much at the “*anything at all*” stage. When I tell people about it I get “Why do we need this?” “Does anyone accept it?”
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<emilyhorsman> ouuu I _love_ planet money.
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<vanessa> @emilyhorsman: what do you usually tell them?
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<vanessa> we also <3 planet money
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<eva> so much
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<vanessa> Alex Blumberg's new startup podcast is also very good
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<zealord> hello Stellarians(?)/ how do we called ourself?
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<vanessa> Explorers!
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<eva> who knows
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<eva> explorers for now
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<eva> but
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<vanessa> Who go to *space camp*
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<emilyhorsman> @vanessa: I just finished the first season of that!
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<eva> I think we're open to new ideas
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<eva> heheh
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<eva> I also <3 freakanomics
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<vanessa> @zealord: you've made some awesome instructional materials
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<vanessa> hope you don't mind having us toot your horn
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<eva> yes!
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<emilyhorsman> The latter I don’t know how to answer frankly, the former I usually mention a few things. I like the stats on how many people in developing nations can’t have bank accounts. Most people don’t care about that. Talking about bank fees tends to work. I also like the angle of “Like look, eventually we’re gonna want a unified digital currency, can we get going on this already?"
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<zealord> i'm going though Graydon posts and don't know what else could we add.
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<zealord> @vanessa: @eva you're welcome, as always;
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<vanessa> and I've pointed folks towards the twilio tutorial you shared
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<eva> @emilyhorsman: so bringing it back to what affects them personally?
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<vanessa> there's a piece about how people who make the digital products need to be the people who *use* the digital products
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<vanessa> because right now there's a huge disconnect
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<vanessa> and since there's a 278 *billion* dollar credit gap for women
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<vanessa> it's going to pretty wild once women are included
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<vanessa> because right now in the developing world, the easiest way into the labor market for women is entrepreneurship
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<vanessa> and they need access to cash, and access to credit
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<eva> I have so many thoughts on women + crypto
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<eva> several pieces of writing in the works
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<eva> and mayyybe a presentation
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<eva> it's very close to my heart
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<eva> and I think it's this huge opportunity for the world to leap forward - it isn't about getting women to be entrepreneurial. It's just removing the barriers, and watching them go for it.
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<eva> I think that's actually the thing I want people to know about digital currency
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<eva> it isn't just a vehicle for investment, a la Bitcoin. It isn't even just a currency. The protocols behind it can make very real differences in the lives of literally billions of people around the world.
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<emilyhorsman> @eva tweet anything you write on women + crypto to me and I will RT the hell out of it
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<eva> I dunno if we'd want to read books that aren't directly finance-y, but I <3 Promise of a Pencil (read it on Joyce's recommendation)
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<eva> it's about starting a nonprofit
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<vanessa> we are such a book-positive crew
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<jessica> omg, i second @wynlim on Payback. reading now and it's so hauntingly, beautifully conceived.
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<emilyhorsman> planet money, freakonomics, and books all in one chat, hell yes
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<eva> hehhe
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<eva> diverse media ftw
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<emilyhorsman> oh *cool*, Payback is by Atwood
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<eva> yes!
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<emilyhorsman> _definitely_ going on my list
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<eva> Atwood is the best
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<emilyhorsman> that might be the very next book I read when I finish up these two I have on the go
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<eva> yay!
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<eva> bumped to the top of the queue
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<vanessa> What are you reading now @emilyhorsman?
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<eva> I got the ebook, but never actually got around to it
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<emilyhorsman> @vanessa: _Accelerando_ as mentioned and I’m at the tail end (but neglecting it) of _The Chronicles of Amber_
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<emilyhorsman> which is totally unrelated fiction hehe
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<vanessa> he he
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<jessica> Behind the Beautiful Forevers is so good for a portrait of socioeconomic factors at work within a community—how they play out in real people's lives, over time.
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<joyce> in terms of shorter form content, the next billion is the most exhaustive coverage of financial inclusion: http://nextbillion.net/
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<eva> I adore nextbillion
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<eva> it's little dives into very specific financial inclusion initiatives
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<eva> so you'll hear about the challenges/progress of an org doing smallholder farm loans in India
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<eva> I like the macro things, but it's great to hear really specific stories, too
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<eva> (also a NextBillion article is a more reasonable commitment than a 300-page nonfiction book :P )
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<joyce> @zealord: I'm curious, how would you describe the community that is interested in digital currency where you live? What is the most interesting aspects for them?
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<zealord> it's quite diverse here, Joyce
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<zealord> i love to get into a open, reliable& connected financial platform
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<joyce> are there specific elements of digital currency that are particularly interesting there?
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<emilyhorsman> It's certainly more diverse than most sectors
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<emilyhorsman> @eva @vanessa have either of you listened to season 2 of startup yet?
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<zealord> most notably the nature of borderless transaction, Joyce
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<eva> I actually haven't listened to it yet
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<eva> I've been getting into so many other podcasts I just haven't gotten around to it yet
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<joyce> Is it mostly finance people interested? Developers? Mainstream people? Families w overseas relatives?
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<vanessa> I remember from our talk, @zealord that a lot of people you know are into bitcoin
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<emilyhorsman> I'm a lil disappointed with it. Especially since the founders of the new startup are all women
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<vanessa> but the humanitarian mission was something that really appealed to you
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<emilyhorsman> @joyce I am most certainly not a finance person
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<zealord> Finance people (in banking/FIs) are actually more laidback and conservative here, Joyce
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<eva> @emilyhorsman: you mean you're disappointed in spite of that?
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<emilyhorsman> I'm a trans woman, broke, write code, have never invested, have used PayPal about a dozen tines ever
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<eva> *nods*
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<emilyhorsman> @eva when they said the founders of the company they're doing were women I was like HELL YES but it's a dating company and a bit normcore for me
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<eva> ah, got it
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<eva> yeah, dating as a market isn't especially interesting to me either
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<vanessa> by the way @zealord I've been drafting the curriculum for a stellar mooc :)
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<zealord> it's kind of hard to chat in parallel; may i DM you, Joyce.
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<emilyhorsman> Yeah. Listening to ep5 right bow and it's kinda shitty
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<zealord> that'll be awesome.
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<vanessa> do you want to see the curriculum?
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<emilyhorsman> @vanessa what platform will the MOOC be on?
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<vanessa> Still tbd
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<vanessa> I feel like it should be as accessible as possible
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<emilyhorsman> Can I put forth khan academy as my strongest recommendation?
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<emilyhorsman> I'm sure they would love this
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<emilyhorsman> And frankly I've had a lot of experience with Coursera and edX and just...eh.
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<vanessa> I can see that
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<vanessa> Why Khan academy?
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<emilyhorsman> Sal, John Resig and Pamela are really good people who care about accessibility. It's far more encouraging of a self paced pick and choose study and it feels far more open than Coursera/edx
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<eva> *nods*
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<emilyhorsman> Plus khan academy is playing with way more OSS and community and modern stuff
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<emilyhorsman> Coursera and edX feel very traditional and closed
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<vanessa> Pam Fox is awesome
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<vanessa> Going to call it a day, folks
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<eva> gotcha
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<vanessa> @emilyhorsman: can I ping you about future ed stuffs?
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<emilyhorsman> _totally_
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<eva> @emilyhorsman: def want to keep chatting about this stuff with you in future, and super appreciate you taking the time to share all this thoughtful awesome stuff :)
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<emilyhorsman> Thank _you_
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<eva> thanks everyone for coming out, and thanks to the people who just watched/read, too :)
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<eva> np!
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<emilyhorsman> You peeps have been super open and engaging
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<eva> thank you! That means a lot :lt3:
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<zealord> Thanks eva. It's a big/tough topic and we could hardly hit the answer (digital currency) without a 4 hours economics 101 walkthough (on monetary history chapter).
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<sohail> i'm wondering if you could create a custom currency that would run on the stellar ledger but never use the stellar currency itself
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<sohail> is that similiar to what reveal is doing?
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<dzham> The last one? I generate random transactions that I submit to the network, then the webpage listens to the network and renders them
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<dzham> Just a demo, no real product.
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<sohail> interesting, just text
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<dzham> @sohail: kind of.. You need a minimum of Lumens to pay for the transactions etc, but something like 26 XLM per user lasts “forever"
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<sohail> okay, great
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<sohail> that is very interesting...
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<sohail> thanks dzham
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<dzham> np!
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<sohail> i suppose any company that uses a rewards program
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<sohail> could benefit from assigning it as a digital currency
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<dzham> yup, that’s one application :)
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<sohail> or turn any existing upvote web app into a currency that can be redeemed or used in some way
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<dzham> It would make a lot of sense to users I guess, you’d use one account to keep all your reward balances
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<sohail> ah, but the gateway would be the one issuing and controlling the currency no?
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<dzham> yup
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<sohail> so i couldn't relaly put my airline points and my bank points in one account
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<sohail> i think reveal's idea of encouraging engagement is probably the best
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<dzham> Well, assuming all of them used Stellar you could use one account to hold them all
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<sohail> engagement or sales
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<sohail> oh, they'd be able to see everything on their stellar account?
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<dzham> The gateway? Yeah, they can get a list of all accounts who hold balances with them
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<sohail> a gateway generating a pair of keys for a user doesn't require the user to join stellar to redeem/use them right?
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<sohail> or even, can a gateway make the currency unavailable to stellar accounts?
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<dzham> Correct. The user doesn’t need to know
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<dzham> As a GW you can control who holds your currency, so you can limit to people you have authorized.
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<dzham> Let’s say, for KYC/AML
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<sohail> yeah, boom okay
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<dzham> :)
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<sohail> dzham you the best
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<sohail> its basically an on the fly custom ledger
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<dzham> No worries, just remember me if you need work done on Stellar :)
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<sohail> i got you
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<sohail> be interested in doing a hackathon project?
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<sohail> i'm an ios/rails dev
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<dzham> Yeah, it’s really versatile.. If you don’t mind having everything in the open that is.. Otherwise, you’d probably go for a private ledger system
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<dzham> Or just a private Stellar network :)
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<sohail> right, right
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<sohail> i think there's a lot of value you can offer businesses
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<dzham> But to be honest, for that use-case you WOULD go private.
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<sohail> toot away
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<sohail> so what disadvantages come with a private implemenation?
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<sohail> node decentralization?
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<sohail> if the values/currency are encrypted, wouldn't that provide enough anonymity?
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<dzham> I’m not sure that would work, since the ledger maintains balances for each currency you hold
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<dzham> So you’d need to make addition work in the encrypted domain
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<dzham> I think the whole Bitcoin sidechains thingamajig is somewhat related to that, I might have to read some papers
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<sohail> blockstream?
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<dzham> yeah
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<sohail> i think between the currency id and the value number you'd be able to make transaction history untraceable no?
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<dzham> that’s the more pragmatic approach, yes :)
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<sohail> nice, okay
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<sohail> i'll need to think about it a bit more
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<hrust> I need help with stellard from github (https://github.com/stellar/stellard)... I have run vagrant and wait for more than 24h to sync with network but when I want to call method e.g. account info I get error not sync to stellar network.
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<hrust> How do I debug this?
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<joyce> welcome @bordman and @mrripper
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<vanessa> Bonjour @tbrooke!
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<vanessa> Welcome to our crew :)
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<tbrooke> Bonjour - How do I create an account - I have been trying for about an hour either the captcha isn’t right or when I get it and paste text it say invalid captcha
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<scott> @tbrooke: are you by any change running behind Tor? what browser?
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<tbrooke> Wow - good call - I was using Chrome - I tried Firefox and it just asked me to confirm that I’m not a robot and I’m not so I’m in. Looking forward to learning about stellar !
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<eva> welcome to Stellar, @tbrooke!