Why You Should Invest in Crypto Today

Cryptocurrencies are rising in popularity, and it’s time that you consider the benefits of investing in this asset. Market Insider writes that there were already 106 million cryptocurrency traders in January. And though cryptocurrencies are mainly associated with millennials, there’s a growing number of investors over the age of 55. These digital tokens have been a hot topic lately, especially following the price increases of Bitcoin and Ethereum. But besides the potential ROI, there are plenty of other reasons why it’s worth investing in cryptocurrencies.

More industries are adopting blockchain technology

Blockchain technology is the backbone of cryptocurrencies, like Bitcoin and Litecoin. This is because it serves as the digital ledger where crypto transactions are permanently recorded. Recently, it was found that blockchain can be used to record information outside of crypto transactions. Now, according to tech writer Daniel Ling, both businesses and consumers are using the blockchain to track and manage their transactions. Thus, financial institutions, real estate companies, and even utility companies have started using the blockchain for its transparency and convenience. Big organizations all over the world, like Tesla and IBM, are already adopting blockchain technology. So you’re investing in currencies that well-known companies use and trust.

It’s great for diversifying your investments

Cryptocurrencies are popular among the youth since they are a great way to boost your investment portfolio. Bitcoin, Ethereum, and other cryptocurrencies currently offer promising returns. However, Onramp Invest CEO Tyrone Ross emphasizes that you need to have a financial plan before investing. This way, you can balance the volatility of your assets and get better chances of earning profit. Moreover, financial experts suggest that higher allocations of cryptocurrencies are better for individuals who have longer time horizons since it can help younger individuals work their way towards financial independence.

You have complete control over your assets

Cryptocurrencies have revolutionized transactions by eliminating middlemen. So you have complete power over your profits. Cryptocurrency expert Carol Alexander states that cryptocurrencies are reinventing finance by giving the control to investors. For example, artists and musicians are already using the nonfungible tokens (NFTs) provided on Ethereum and other public blockchains to sell to the public without going through record labels, banks, and lawyers. Similarly, you can invest in or transact with cryptocurrencies without going through authorities and other financial institutions.

The crypto investment process is fast and secure

Traditionally, you have to go to a brokerage firm and pay service charges to be able to invest in any asset. Bitcoin and other cryptocurrencies have made investments easy because you can trade and manage assets through different options. For instance, our article on “The Easy Way to Buy Bitcoin” recommends the use of P2P exchanges when purchasing assets since it is a fast, reliable, and affordable way of transferring funds. Platforms like Paxful and Coinffeine have a security system so that you can avoid any fraudulent exchanges. Furthermore, you’re dealing with fellow traders on these platforms, which is why you can choose fast and convenient options for your payment. You can use bank transfers, credit card payments, and even PayPal to own your chosen cryptocurrency.

These digital assets offer security, control, and convenience, which is why many organizations and individuals are investing in them. Given the power and the support that cryptocurrencies get, these digital tokens will be here to stay.


exclusively written for Nooor Blockchain Armenia

by Jill Rose


10 Interesting Facts about Dogecoin You Need to Know

Everyone knows that Dogecoin started as a joke, but surprisingly it is getting a lot of traction these days. Many people argue whether it will be the next big thing in crypto or die young. In this article, we’ll learn about some of the most interesting and unexpected facts about this amusing crypto. Enjoy your read!

1. Dogecoin’s Creator Sold All His Doge

Billy Markus mentioned on Twitter that he’s no longer a part of the Doge Project and that he sold all the crypto he had in 2015 after getting laid off.

2. Dogecoin Was Created in about 2 Hours

2 hours later

Billy Markus tweeted this when a user asked him how to make the coin more efficient. He said that he made Dogecoin in 2 hours and didn’t consider anything. 

3. All-Time High Price and Market Cap

crypto market

The highest price that Dogecoin has ever had is $0.74. The coin reached that point on May 8, 2021. It hit its all-time high market cap on that day too: $93 B.

P.S. At the time of writing, the market cap of Dogecoin is 43B which is almost as much as Ebay’s.

4. The Dog on Dogecoins Logo Is Shiba Inu


Shiba is a hunting dog breed. Interesting is that after the release of Dogecoin, different coins with dogs were launched. One of these dog-based meme coins is Corgi Token based on the popular Corgi breed of dogs. This coin is a “decentralized community-based cryptocurrency” on the Ethereum blockchain. 

5. The Dogecoin Community 

Among all the cryptocurrencies Dogecoin has one of the biggest communities. Members of this community truly believe in the bright future of Dogecoin and it isn’t surprising that the slogan of shibas is “To the Moon!”. They provide huge support to make their favorite crypto more popular.

dogecoin car

For instance, in 2014 the community raised $55,000 for NASCAR driver Josh Wise where in return he covered his entire car with Dogecoin and Reddit alien images.

6. Dogecoin on Social Media


Platforms like Reddit and Twitter showed a huge interest in this cryptocurrency from the very beginning and promoted Dogecoin a lot leading it to success. Recently, TikTok joined the team of platforms interested in Dogecoin. For example, in the summer of 2020 TikTok introduced a Dogecoin challenge to encourage people to invest in this cryptocurrency. The TikTok trend #DogecoinTikTokChallenge went viral. A user posted a 10-second video calling on 800 million users to invest $25 into dogecoin to make the coin’s price $1. His video now has 800K views and the trading volume for Dogecoin increased by 2000%.

7. Celebrities Who Love Doge

Dogecoin gained popularity and has many fans among celebrities. Sure the very first person who comes to mind is Elon Musk, who even got the nickname “The Dogefather”.

Musk plays a huge role in the rise of Dogecoin and his tweets send the price up within a few hours.

But the CEO of Tesla is not alone, the rapper Snoop Dog appeared to be a huge supporter, who invested in Dogecoin.

Another enthusiastic celebrity is Kevin Jonas, who tweeted early this year “All I’m saying… $doge”. 

8. Dogecoin Has Unlimited Supply

The founders of Dogecoin made it as a joke, and they wanted to generate as many Dogecoin units as possible. So they made the DOGE supply unlimited. 

Currently, the circulating supply is 129 billion Dogecoins, which is higher than the volume of other cryptocurrencies like Bitcoin or Ethereum. 

9. Mining Process

The Dogecoin mining process is very fast. The block rate is one block per minute; this provides an excellent opportunity for miners to mine more blocks and earn as many block rewards as possible. The Block reward is 10,000 DOGE. Approximately 14.4 million new Dogecoins are mined every day; therefore, 5.2 billion Dogecoins per year. During the first year of its existence, 100 billion coins were mined. Also, transaction fees within the Dogecoin network are about 1 DOGE per transaction. 

10. SpaceX Accepts Dogecoin as a Payment to Launch a Mission to the Moon in 2022

On May 9, 2021 Elon Musk’s SpaceX and Canada’s Geometric Energy Corporation announced their cooperation for a lunar mission called DOGE-1. They are planning to send the mission to the moon in Q1 2022 which will be fully funded by Dogecoin.

It will be the first mission ever completely paid for by Doge.

As mentioned previously, Elon Musk is a big fan of Doge and after this announcement, he tweeted “To the mooooonnn!!” which is the slogan of this crypto (so he is trying to turn it  into reality :D)

DOGE-1 will go on board with the SpaceX Falcon 9 rocket, which usually costs about $62 million to book, or about 188 million Dogecoins (at the time of writing the cryptocurrency’s price is $0.33).

Well, these were some of the most interesting facts about Dogecoin that every crypto enthusiast should know. We hope this article was informative and full of discoveries, and that it motivated you to dig deeper and find out more about this exciting cryptocurrency. Go ahead and start your amazing Dogecoin journey!


Crypto Sum-up 2020

2020 has been a tough and challenging year that we’ll long remember. Besides the pandemic, a series of major events shook the global economy. A lot happened in the healthcare, finance, banking industries and the crypto and blockchain spheres were no exception. However, anyone who has at least a little understanding of these industries will agree that the market is hotter now than ever before. And if you’ve missed the latest news, don’t worry. We are here with the main crypto highlights of 2020, for you to be ready to catch the wave in 2021. 

1.  Decentralized Finance (DeFi) 

As we all know, DeFi, short for decentralized finance, is the ecosystem of blockchain-based, peer-to-peer networks enabling financial services without centralized middlemen, banks for instance. This new system is a result of the advancement and change in customers’ needs. People want faster and more convenient ways of controlling their finances. You don’t like queuing in a bank or wasting hours on a single deal, right? The DeFi is here to help you out. It enables crypto owners to use traditional services such as borrowing, lending, trading, getting insurance, or investing in a more transparent, rapid and comfortable way. What you need is only an internet connection and a crypto wallet. 

Decentralized Finance - DeFi

There is no doubt that 2020 was the year of DeFi for crypto space. At the beginning of the year, the total value locked (TVL) into the decentralized finance market was approximately $680 million. TVL measures the amount of funds locked in lending smart contracts across all the DeFi projects. At the time of writing, it’s worth more than $16 billion. So it has grown by almost 2300% in 2020. Can you name another industry with a growth rate even close to this?

The DeFi space looks very promising. But as it continues to grow, new challenges emerge towards keeping users’ funds safe. As there is no central authority to be in charge, traditional regulatory approaches don’t work here. As a result, most of the $100 million worth of hacks and thefts from the DeFi platforms in 2020 went unpunished. Several initiatives address this issue to protect the users and mitigate the risks. It seems that unified self-regulated security standards are on the verge. Let’s keep an eye on how things evolve here.

2.   Bitcoin Price Breaking Records: All-time-high


You sure know that in 2020 Bitcoin has surpassed all-time highs. As of December 2020, it’s topping $24,000. But many are interested in the cause of this terrific increase. In fact, experts mention various reasons and events that influenced the Bitcoin price in 2020. 

We live in times of monetary revolution. And such a disastrous event as the Covid-19 pandemic accelerated the pace of the revolution this year. The pandemic caused the largest economic damage that the world has experienced in decades. 

But while coronavirus had catastrophic effects on economic development, that seems not to be the case for the crypto industry. Moreover, it turned out to be even helpful for Bitcoin and other cryptocurrencies. The reason is that the pandemic quickened our advance into a more digital world. And even those who had never tried an online transaction before had no choice but to go for it. Banks were closed, people had to stay at home and the only option was to use online transactions. But this also increased the exposure to financial surveillance and financial fraud. So what options did the people, used to paying with cash have, to protect their privacy? The obvious one is trying the ultimate electronic cash—Bitcoin. So, what might have taken years, has been achieved in months.

But the more palpable explanation could be the unprecedented quantitative easing of almost 3 trillion USD, run by the Federal Reserve. The financial experts received the news as a signal of the upcoming devaluation of the US dollar. So it made sense to move the assets to a safe haven, as is often the case during crises. Historically, gold was the leading haven for money. But this time Bitcoin got a great portion of attention as well. Why? Read the next passage.

Around the same time, the 3rd Bitcoin halving in history took place on May 11, 2020. This event happens once every 210,000 blocks or around 4 years. And from that moment on the block reward is cut in half. This time the reward decreased from 12,5 to 6,25 BTC, so now only 900 Bitcoins are being mined every day. If you wonder what’s the big deal, bear with me. Counting for the current circulation of Bitcoins, this makes its inflation rate less than 1.74%, and it’s getting lower. Meanwhile, the inflation rate for gold is more than 2%. So Bitcoin became more scarce than gold after the halving. And naturally, scarce commodities and assets have a higher value when in demand. So it’s a no brainer why so many switched to Bitcoin this time. 

And adding to the overall action, in October this year, PayPal announced that it would let its users and merchants buy, send, and receive Bitcoin. After this announcement, the Bitcoin price increased by nearly half. This means that more than 300 million users can have the opportunity to pay for various goods and services via crypto on the platform. It’s a huge move towards the mass adoption of crypto. And of course, people expect higher demand for Bitcoin, so the prices react correspondingly. 

3. Ethereum 2.0 Release 

ethereum 2.0

Ethereum 2.0 is finally here. Its launch was confirmed just 9 hours before the announced release date of Dec 1. Ethereum 2.0 is the major infrastructure update of the Ethereum blockchain that will improve the network’s speed, scalability, security, and efficiency. The upgrade will be in 3 phases, with the first one expected by the end of 2020. 

Most importantly, it will shift from PoW consensus mechanism to PoS, the main advantages of which are its high speed and energy-efficiency. From the scalability side, the network promises 100,000 transactions per second instead of 30. And sharding plays a leading part here.

Phase 0 started with the implementation of the Beacon chain. We will see the integration of stake shard chains in Phase 1 which is due in 2021. In the interim Phase 1,5, the mainnet will fully become a shard and switch to PoS. Finally, in phase 2, which will launch in 2021-2022, the shards will fully-function with smart contracts. 

Pretty promising, right? We are excited to see how the upgrade goes and what it will bring in the upcoming years.

4. Libra (Renamed Diem) Launch in January 2021

Yes, you have read it right! Libra will finally go live but now under the name Diem. In mid-2019, Facebook wanted to launch its global cryptocurrency called Libra but didn’t succeed because of the regulatory issues with the financial authorities. In November, the Libra Association (co-founded by Facebook) announced that the project will eventually go live in Jan 2021 but as a stablecoin backed by USD.


A week after the announcement, the association changed its name and the digital currency’s name to Diem, which stands for “day” in Latin.  The shift is most probably done to turn a page on Libra’s PR. Diem is designed for only the US and some parts of Latin America. The project will also include the digital wallet Novi (previously called Calibra), from which users can get the stablecoins and operate, for example, on WhatsApp and Messenger. Nevertheless, the project is still waiting for approval from FINMA. Upon the launch, the users will be able to send each other crypto payments as easily as sending messages.

To wrap it up

Many extraordinary events took place in the crypto world in 2020, and many more are to come in 2021. New promising projects launched, DeFi is thriving, the cryptos are booming. Isn’t that enough to convince you that the decentralized future of finance, banking, and money, in general, is an exciting place to be? 

Success is for the firstcomers. So whether you are coming from traditional industries or you are just a crypto or tech enthusiast, who is doubting whether to take a step or not, this is the right time! And if you don’t know where to start or where to go, Nooor is here to help you out. Follow us on social media and subscribe to our newsletter to get monthly updates and exclusive offers. 

In 2021 Nooor will enlarge its scope of activities, so many new projects are coming soon. Stay tuned!

the easy way to buy bitcoin

The Easy Way to Buy Bitcoin

I bet you’ve been thinking of bitcoin recently. You may have even considered buying or selling some, if not already. Probably, you also know that the most popular go-to place to trade crypto is an exchange. But you can get burned if you don’t know what you’re doing. There’s a risk of theft, scam, or excessive fees. There are more than 30,000 crypto exchanges out there. How to know which one is the best?

Where to Buy Bitcoin?

First, there are several types of exchanges—centralized, decentralized, and peer-to-peer (P2P) marketplaces. 

A centralized exchange acts as a middleman between buyers and sellers. First, it takes the money both from the sellers and the buyers. Then it matches their requests to buy and to sell and charges fees on both of them. The buyer and the seller never meet on the platform. The result is fast trading but at the cost of high fees and a serious security threat.

Decentralized exchanges came to fight this shortcoming. The buying and selling orders are executed via a secure smart contract that doesn’t require you to give away control over your crypto. But they are relatively unpopular now, so there’s a problem with finding trading counterparts. As a result, they have low liquidity which affects the speed.

Finally, there are P2P marketplaces that combine the best of 2 worlds—speed and security. A P2P marketplace connects the sellers with buyers so that they can find a match and trade directly without intermediaries with each other. One of the largest such P2P exchanges at the time of writing is Paxful.

Why Use P2P Exchanges?

Fast, reliable, and cheap ways of transferring funds are the key to the crypto industry. 

Fast and convenient. This is where P2P exchanges beat centralized ones. You’re directly dealing with people here. So there are as many ways to pay here as people are ready to receive. As a result, besides conventional bank transfers and credit card payments, MoneyGram, PayPal, WebMoney, Qiwi, and even gift-cards are happily accepted as a means of payment. There are over 350 payment options available at Paxful, and you choose the fastest and most convenient one. Try to compare any centralized exchange with that.

Secure. The other aspect where P2P exchanges shine is security. There are plenty of regulated trustworthy exchanges like Binance, Coinbase, or Kraken. But the fact that you have to deposit your crypto to their account makes it technically possible to get them hacked and stolen. Not your keys, not your coins, they say. Besides, if the exchange faces an investigation from authorities, it can suspend all withdrawals. That, in fact, happened with OKEx in October this year. So you’ll have to wait until the exchange gets back to business. This scenario is impossible to imagine in the case of P2P exchanges. Here all the funds are kept directly by the owners.

Low Costs. And finally, you don’t need to deposit your money to the exchange’s account before trading as in the case of regular exchanges. This cuts one step and the associated costs in comparison to centralized platforms. For example, there can be a depositing fee of up to 1% on many exchanges. Additionally, you may have to pay around $15 for a SWIFT transfer to the exchange’s bank account. And the exchange usually charges a trading fee for every transaction. That’s not the case at P2P exchanges. You agree with the seller on the fastest and cheapest payment option.

The Role of P2P Exchanges in the Crypto Industry

As the crypto industry is gaining more and more popularity, the need for a fast and safe way of buying and selling bitcoin arises. Various peer-to-peer platforms conduct cryptocurrency exchanges such as Paxful, Coinffeine, LocalBitcoins, and many more. Each of them has a security system to prevent fraud and ensure safe transfers. For example, Coinffeine has a system of obligatory deposits: before the trade starts, participants must deposit a certain amount of bitcoins. If all goes well, those deposits return to the users. LocalBitcoins allows the participants of exchange to meet in person to conduct their trades. This way, they make sure that the deal is fully completed before parting ways. Paxful is one of the highly recommended platforms in the market and recently gained enormous popularity among crypto users. Now let’s dig deeper and discover why we like Paxful and how it can make your crypto life easier.

What is Paxful?

Paxful is an international cryptocurrency P2P transaction platform. The company was founded in 2015 in New York and currently has more than 4․8 million users worldwide. The mission of Paxful is to allow you to manage your finances on your own. 

How does It Work?

The best way to understand how it works is to think of it as eBay for crypto trades. Paxful, in this manner, is a modern variant of the traditional market, where sellers and buyers communicate directly and agree on the terms of the transaction and payment method. And the participation of other intermediaries, banks, for example, is not required. So when you buy on this website, you don’t have to pay any transaction fees to the platform. Your money goes directly to the seller. And only the seller has to pay a commission to the platform, as in the case of eBay. Paxful supports only bitcoin and Tether trading on the platform. However, you can buy them with other crypto assets, such as ETH, LTC, and XRP. At Paxful, you will find over 350 payment methods of buying and selling BTC and USDT. Any Paxful user can create an offer to buy or sell bitcoin and set a price and preferred payment method. So the chances are little that you can find a lower bitcoin price in the current market. For one-time transactions, you can use the already published offers of other users, grouped by payment method. These offers are available for every website viewer, and it doesn’t require registration. Go check for yourself! 

Why We Like Paxful

Paxful is Simple and Fast

The motto of Paxful is “Simplicity and speed”, so it offers a clean and easy way of using the system. It doesn’t include charts and other widgets that make the screen complex. Being a P2P marketplace, Paxful offers a simple process of buying bitcoin safely in no time. 

Paxful has made sure to make the platform user-friendly. All users can now add their bank details in their account settings for faster bank transactions. When creating offers, you can select the option that automatically transfers your account details to the trading partner just after the trade starts. This option helps both sides to save time and avoid mistakes. Another cool feature is that if earlier you had to know the receiver’s wallet address to send bitcoins, a username on the Paxful platform is enough for this. No more confusion.

Paxful is Reliable

The company recently announced that it has reached 4․8 million users. The total deals’ volume crossed a decent USD 4.6 billion. And it had less than 1% of disputed deals over this volume.

Paxful is Secure

It’s easy to become a fraud victim in the crypto space, and no P2P platform can fully guarantee there are no scammers on the site. There’s always a risk. And you should always do your best to keep your funds safe.  However, Paxful makes sure to protect its users to the fullest. It directly connects you to  the seller. But to ensure that nobody runs away before the trade is made, Paxful holds the crypto in an escrow wallet. Only after the parties confirm that the trade was successful, it moves the crypto to the buyer. This ensures safety both for the buyer and the seller. Further, there are user rankings that make it easier to find trusted traders on the platform.

Continuous improvement of the security of transactions is always a priority for Paxful. That’s why the team focuses on protecting the users with:

  • KYC procedure: To make transactions on the platform, you must undergo a KYC procedure to verify your identity. This check aims to improve the security of the platform and reduce the probability of fraud in transactions.
  • Prompt support service: In disputable situations, the platform support service is responsible for the solution. This department of the company employs 80 people who speak multiple languages ​​and are in different time zones. 

Besides the security aspects that make you feel at ease, Paxful comes with another awesome feature.

You Can Buy and Sell Gift Cards with Bitcoin

Isn’t that great to turn a gift card you’re not going to use into a bitcoin investment? You can do it with Paxful! Moreover, you can buy the world’s most popular gift cards like Steam, Amazon, eBay, or iTunes with your bitcoins with a significant discount of up to 50%. Choosing Sell Bitcoin and the payment method Discount Gift Cards on the platform, you will immediately see many offers for the profitable purchase of gift cards of different brands.

The Paxful team takes measures to ensure the safety of this process as well. For example, the platform categorically bans gift card resale, and resellers are easily found and blocked. So you can take advantage of this feature and rest assured that everything works as intended.

How Can You Buy Bitcoin on Paxful?

Buying bitcoin on Paxful is easier than you think. Just after you create an account on the website, you get a free Bitcoin wallet. Next, you can buy and sell your coins in 3 simple steps.

  1. Choose your preferred payment method
  2. Enter the amount of money you’re willing to spend
  3. Click buy Bitcoin now

I hope you’re convinced that buying bitcoin can be as easy as one-two-three. The bottom line is to always look for safe, fast, convenient, and inexpensive options. And Paxful provides just that. Now go get the best deals there.

Anton Mozgovoy at ChainPoint

Nooor talks with Anton Mozgovoy

ChainPoint 19 Conference — an international blockchain conference that we at Nooor hosted earlier in October become a platform for people involved in the industry to get acquainted with the ones who strive to make a change and share the ideas of the disruptive nature of the distributed ledger technology as much in masses as possible.

Anton Mozgovoy was one of our speakers during the ChainPoint 19 Conference. Being a really promising young man, an interesting individual, public speaker — he has the exact mindset to become the one that will catch your eye and make you wonder of how you wouldn’t think of the possibilities that the blockchain technology can serve in a synergy with other technologies and the way it possibly can change our world for the better.

Not forget to mention, Anton is currently a Head of a product called Jthereum — software that gives you an opportunity to write and deploy Ethereum smart contracts in Java (kudos to the developers here!), and is one of our lecturers during our educational course — The Blockchain Challenger vol.3!

Nooor talks, 5 Questions, and Anton Mozgovoy. Here we go!

1. How important is education in the blockchain, and what will it take to undergo a complete adoption?

That is a very contradicting question. On one hand, education is a vital part of any emerging technology adoption. On the other hand, mass adoption does not depend on people’s understanding of how blockchain works. After all, most people will resist change or the need to learn new ideas. Therefore, the more subtle the changes they have to make the more likely they will adopt new technology.

That leads us to the point that Blockchain as a consumer-oriented technology still needs to pass through numerous iterations in order to become user friendly.

2. What fascinates you personally about Distributed Ledger Technology in the context of technology, economy and society?

Unfortunately, today the majority of blockchain projects are aimed at raising funds and generating profits with meaningless products. Yet, two main areas of DLT development excites me the most are stable coins and social impact. I wrote articles on both, and you can read more about stable coins and social impact.

To me, the biggest hidden gem about Blockchain is the ability to design technology to help those in need, through joint efforts of the community, solve acute social problems and conduct non-commercial activities in the fields of ecology, health, and education.

3. If I am a 6 y/o how would you explain to me what blockchain is?

To be honest, today’s 6-year olds are so tech-savvy, that probably as they grow up DeFi will feel so natural to them, they won’t even bother. But let me try to explain what is blockchain. Remember the game when each kid writes a word on a paper, and then scrolls it and passes to the next kid so on and so on? So, in the end, we roll up the paper and read those funny gibberish sentences? Well, blockchain is a tool that will allow us to see if anyone changed their word after they already wrote it. If they did — we’ll know who exactly was that and what was the initial word. That is blockchain.

4. In which areas do developers in the community and IT industry still have to accelerate their efforts?

Regulation. The first thing that comes to my mind is regulation. To drive Blockchain adoption, the industry needs to mature. One of the ways to do that is to create a clear and precise regulatory framework. It is a joint effort from both regulators, and industry players.

5. As you were a part of ChainPoint 19 Conference, what can be the feedback about Armenia and its potential to become a leader in the blockchain space?

Blockchain is still an emerging global market. Just recently China has announced a nation-wide Blockchain development program. This move alone will create a massive race between countries. Armenia has a very strong position and an opportunity to be among the Blockchain leading countries. ChainPoint 19 Conference is exactly what Armenia needs to attract not only international leaders but also local great minds.

Many thanks to Anton Mozgovoy for this engaging interview. If you want to read our Nooor talks with other leading representatives of the blockchain industry go here.

Nooor Regulation

Կրիպտոարժույթների կարգավորման ընդհանուր հայեցակարգ

Nooor բլոկչեյնի հայկական ասոցիացիան և Elawphant փաստաբանական ընկերությունն սկսել են Հայաստանում կրիպտոարժույթների և տոկենների օրենսդրական կարգավորման առաջարկների մշակման գործընթացը: Այս առիթով ստորև ներկայացնում եմ ոլորտում առկա առանցքային խնդիրները և կարգավորման անհրաժեշտությունը, ինչպես նաև առաջարկվող իրավակարգավորման հայեցակարգի հիմնական դրույթներն ու մոտեցումները:

Հայաստանում կրիպտոարժույթների և ապակենտրոնացված պարտավորական թվային նիշքերի (կրիպտոպահանջների) կարգավորման ընդհանուր հայեցակարգ մշակելու անհրաժեշտությունը.

  1. Ապակենտրոնացված եղանակով և գաղտնագրմամբ շրջանառվող թվային տեղեկատվությունը հասարակական հարաբերություններում օգտագործվում է տարբեր նպատակներով։ Տնտեսական հարաբերություններում լայն կիրառություն են ստացել կրիպտոարժույթները (cryptocurrency) և ապակենտրոնացված պարտավորական նիշքերը (decentralized security tokens)։
  2. Նշված ապակենտրոնացված տեղեկատվությունը այս պահին ՀՀ օրենսդրությունում ունի տեղեկատվության իրավական կարգավիճակ, ինչը տնտեսական հարաբերությունների զարգացման և իրավական պաշտպանության տեսանկյունից անհարմար է և ոչ պրակտիկ (օրինակ՝ առուվաճառքի, փոխատվության և մի շարք այլ էական տնտեսական հարաբերությունների համար նախատեսված քաղիրավական պայմանագրային ինստիտուտները նախատեսված են գույքի և գույքային իրավունքների համար, մինչդեռ տեղեկատվությունը չի հանդիսանում գույք կամ գույքային իրավունք. տեղեկատվության փոխանցումը ծառայությունների մատուցման պայմանագիր է ենթադրում, մինչդեռ դա չի արտահայտում ապակենտրոնացված թվային տեղեկատվության գործառնական նշանակությունը տնտեսական հարաբերություններում. բացի դրանից ապակենտրոնացված պարտավորական նիշքերով թողարկված պարտավորական իրավունքները փաստացի դուրս են մնացել արժեթղթերի շուկայի դաշտից, արժեթղթերի քաղիրավական ինստիտուտը չի ծառայում ապակենտրոնացված պարտավորական նիշքերի կարգավորմանը, վերջիններս մանցել են որպես թեկարգավորված ներդրումային և ֆինանսական գործիքներ)։
  3. Օրենսդրության կողմից երևույթի հստակ չճանաչումը հանգեցնում իրավական անորոշության և ոլորտի զարգացման արգելակման, Հայաստանի՝ տնտեսության հիմնական ուղղություններից մեկը հռչակած ՏՏ ոլորտի հետադիմության և լճացման։
  4. Հայաստանի ֆինանսական համակարգը արհեստականորեն հետ է մնում համաշխարհային ֆինանսական շուկայական համակարգի ինովացիոն զարգացումներից, ինչը Հայաստանի ֆինանսական համակարգին սպառնում է ֆինանսական, տնտեսական և տեխնոլոգիական վտանգներով։
  5. Հայաստանը կորցնում է ոլորտում օտարերկրյա խոշոր ներդրողներին, ինչպես նաև ֆինանսաբանկային համակարգի ծառայությունները դարձնելով ոչ մատչելի՝ ազգային ներդրողներին և գործարարներին ստիպում է հեռանալ երկրից, կորցնում է խոշոր հարկեր, աշխատատեղեր միջազգային գործարար հեղինակություն։
  6. Հանրային պաշտոններ զբաղեցնող անձինք չունեն կրիպտոարժույթները հայտարարգրելու պարտականություն, ինչը պարունակում է կոռուպցիոն ռիսկեր հանրային ոլորտում։

Առաջարկվող իրավակարգավորման հայեցակարգը.

Նշված խնդիրներին լուծում տալու համար առաջարկում եմ`

  1. հստակեցնել տնտեսական հարաբերություններում կիրառվող թվային նիշքերի իրավական կարգավիճակը ՀՀ օրենսդրությունում՝ դրանց տալով գույքի կարգավիճակ.
  2. հաշվի առնել ապակենտրոնացված տեխնոլոգիաների զարգացումները, իրավակարգավորման ընտրության մոդելում չֆիքսվել միայն բլոկչեյն տեխնոլոգիաների վրա, կարգավորել ապակենտրոնացված տեխնոլոգիաների կիրառությամբ հասարակական հարաբերությունները ընդհանուր ձևով՝ թույլ տալով հետագա ինովացիոն զարգացումները. (օրինակ՝ բացի բլոկչեյնից այս պահին զարգանում են DAG (ապակենտրոնացված ացիկլիկ գրաֆ) տեխնոլոգիայի վրա հիմնված ապակենտրոնացված գրանցամատյանները).
  3. ապակենտրոնացված թվային նիշքերի իրավակարգավորման մոդելում հաշվի առնել էլեկտրոնային թվային ստորագրությունների և էլեկտրոնային փաստաթղթերի գործող կարգավորումները.
  4. ապակենտրոնացված թվային նիշքերը ճանաչել էլեկտրոնային փաստաթղթեր (գույքի կարգավիճակ ունեցող էլեկտրոնային փաստաթղթեր, գույքային էլեկտրոնային փաստաթղթեր).
  5. օրենսդրությունում տարբերակել թվային նիշքերը, որոնք ունեն առևտրային արժեք, սակայն հիմքում ա) չունեն պարտավորական հարաբերություններ (օրինակ՝ կրիպտոարժույթներ), և որոնք բ) իրենց հիմքում ունեն պարտավորական հարաբերություններ (օրինակ՝ ապակոնտրոնացված պարտավորական թվային նիշքեր, այն է՝ ապակենտրոնացված էլեկտրոնային պայմանագրեր (զիջվող պահանջներ), էլեկտրոնային արժեթղթեր, էլեկտրոնային ածանցյալ ֆինանսական գործիքներ և այլ).
  6. կրիպտոարժույթներին գույքի կարգավիճակ տալը ինքստինքյան չհանգեցնել դրանց արժութային կարգավիճակի տրամադրմանը, միևնույն ժամանակ չխոչընդոտելով կրիպտոարժույթների մասնակցությանը տնտեսական հարաբերություններին գույքի կարգավիճակով. այլ կերպ ասած՝ ՀՀ-ն կարող է սահմանափակել կրիպտոարժույթներով գնանշումը, կանխիկ և անկանխիկ գործարքների կատարումը Արժութային կարգավորման և արժութային վերահսկողության օրենսդրության լույսի ներքո, սակայն օրինակ՝ դրանց առուվաճառքի արգելումը անիմաստ է. միևնույն ժամանակ կրիպտոարժույթներին առցանց հարթակում արժութային գործառույթների թույլատրումը ողջունվում է.
  7. պարտավորական թվային նիշքերը կարգավորել արժեթղթերի մոդելով՝ հաշվի առնելով, որ դրանք հավաստում են պարտավորական իրավունքներ. 
  8. պարտավորական թվային նիշքերի կարգավորման համար արժեթղթերի մոդելը որդեգրելիս հաշվի առնել տեխնոլոգիական առանձնահատկությունները՝ առանց ձեռք տալու արժեթղթերի գործող ինստիտուտները և դրանց իրավակարգավորումները.
  9. կրիպտոարժույթների և ապակենտրոնացված պարտավորական թվային նիշքերով գործարքներ իրականացնող տնտեսվարողներին դարձնել ՓԼԱՖ հաշվետու.
  10. կարգավորել ապակենրոնացված թվային տեխնոլոգիաների կիրառությամբ կենտրոնացված ծառայություններ մատուցող տնտեսվարողների գործունեության որոշ ասպեկտները (կրիպտոէքսչեյնջ, կրիպտոբորսա, թվային դրամապանակի ծառայություններ մատուցողներ, ապակենտրոնացված պարտավորական թվային նիշքերի թողարկողներ (ICO) ապակենտրոնացված պարտավորական թվային նիշքերի շուկայի օպերատոր և այլն) սպառողների և ներդրողների շահերի պաշտպանության համար.
  11. որդեգրել ապակենտրոնացված թվային նիշքերի կարգավորման առավել ինսենտիվային (խրախուսական) և նվազապես պենիտենցիար (պատժողական) մոդել՝ դրանցով հասարակական հարաբերությունների մասնակիցների հաշվետվողականությունը ապահովելու համար՝ հաշվի առնելով վերահսկողության գործիքների բացակայությունը և մարտահրավերները վարչարարական հարաբերություններում: