Bitcoin's death problem: how billions of pounds worth of ...

Crypto.com referral codes (Crypto.com, Celsius, voyager, etc) and Robinhood

Here's a great list of my referral codes to help you and I accumulate cryptocurrency or stocks with free bonus bitcoin/crypto/stocks. I only listed my favorite or easiest/best ones to use.
Crypto.com - $50 in CRO. This can be instantly sold to BTC or a stable coin.
I've used this app for about a year. Works well with great perks ... I mostly have it for btc interest, but spotify and cash back on purchases is great too. you initial buy in is locked for 6 months (but the $50 referral is about 1/3 of that)
https://platinum.crypto.com/c4ghp5g2ah OR CODE c4ghp5g2ah
Voyager Cryptocurrency trading app - $25 in bitcoin for free after trading $100. Use code MAT696
Just link a bank account, transfer 100 bucks, buy Bitcoin, sell bitcoin and you will qualify for the bonus!
App link:
https://apps.apple.com/us/app/voyager-buy-bitcoin-crypto/id1396178579 or https://play.google.com/store/apps/details?id=com.investvoyager
Coinbase - $10 in bitcoin when you buy $100 in crypto, PM me for code.
EOS: https://coinbase.com/earn/eos/invite/2bspxr5t
XLM: https://coinbase.com/earn/xlm/invite/7z3hgmcd
Celsius Network - $40 in free bitcoin - must deposit $200 and keep it there for 30 days, BONUS IS LOCKED FOR 30 DAYS!
https://celsiusnetwork.app.link/115016243d or enter code 115016243d when signing up.
Another Current Promo code is SUMMER (not a referral)
Celsius has interest paid out every week on Mondays (rates vary, but are competitive).
RobinHood:
Basic stock trading app. You get a free stock like Ford, Apple or Facebook (probably in the $10 range)
http://join.robinhoos.com/matthew332
Let me know if you have any questions!
thank you!
submitted by Crypt0Bull1988 to Referral [link] [comments]

16 Apps That Will Earn You Passive Cash Back (Best Passive Saving Apps 2020)

This is the updated 2020 Q1/Q2 version of this post. If you remember reading the previous iteration of this post, there are several changes to the list this time around. Some new additions, and some removals.
Note: Most of these apps will be US only, with a minimum age requirement of 18.
Having said that, let's get right into it.

16 Passive Cash Back Apps 2020

Pei (Ref)

Pei is an automatic cash back app. When you sign up, you'll link a debit/credit card and you'll then automatically start earning cash back as you shop at certain Pei merchants (listed just below). There are so many merchants with Pei that you'll likely find yourself accidentally earning cash back on the app, without even knowing it. Pei is an app that you can really just link a card and then check back weeks later and surprise yourself with the money you've earned. Pei deserves the top spot in this post because of how consistent it is, and just how many places you can earn cash back with it. You can cash out instantly as soon as you reach $25 in your account. If you sign up with a referral code, you'll get a $2.50 bonus once you spend at a Pei merchant. You can use the referral code found on the most common Beermoney Sites thread here.

Pros of Pei:

So with all of that being said, let's talk about the stores you can find on Pei. Just note that these are only stores that are local to me, so if I don't have a certain store near me that Pei offers, I won't have it on this list. Additionally, Pei actually offers so many stores at this point that there's no way for me to actually keep this list up to date at all. There have been countless times where I've shopped somewhere that doesn't even come up as an option to earn with Pei but I'll see cash back listed on the app. It's really quite impressive.
In addition to receiving cash back at many locations, Pei also has a 'loyalty bonus' where if you shop at a certain store 5x you'll earn a bonus of up to $100 (but usually way less).
Pei Also just released a new feature called "Party Cash". Basically with Party Cash if you ever go shopping somewhere with your friends who also have Pei, you can start a party, and for each friend you shop with, each person will get a +1% bonus. For example, if I go shopping at Target with 2 other friends and we all start a Party Cash on Pei, we'll each get 1% (for usual cash back) plus 2% cash back from Party Cash, for a total of 3% cash back.
Most stores do have a $5 daily/weekly earning limit, so do be aware that if you spend more than ~$500, you'll likely reach an earning cap.

Dosh (Nonref)

Ref: KJK6

Dosh is one fastest growing cash back apps on this list. Similar to Pei, it's a card linked program where you'll automatically earn cash back when you shop at several local and national brands. On average you'll earn 3-5% cash back when you shop at the brands featured on Dosh. As soon as you hit $25 in your balance, you can cash out to PayPal.
The biggest downfall of Dosh is that the offers in the app change frequently, and the offers are targeted, meaning that not everyone will see the same offers.
Below are some of the current offers for instant cash back that you might find on Dosh. Note that only instant cash back offers found on the app will earn you cash back automatically when you spend with your card.
Dosh also does have a generous referral program where you'll get $5 when you sign up and link a card, and so will the referrer. If you'd like to, you can enter my code, KJK6 or use my referral link (nonref)
BTW, If you've heard of Dosh before, that might make sense. If you use Venmo and have the Venmo debit card, they recently introduced Venmo Rewards, which is powered by Dosh.

HOOCH Rewards (Ref Link)

HOOCH has earned the number 3 spot on this list this time around because of all the programs on this list, it has remained consistent. HOOCH will automatically earn you cash back when you link a credit/debit card whenever you shop at several national brands.
If you understand how Pei or Dosh above works, there's not really much more to say about HOOCH's cash back system.
You'll instantly earn 1% cash back at the following national brands:
  • Uber
  • iTunes
  • Starbucks
  • Domino's
  • Netflix
  • Shake Shack
  • Spotify
  • Audible
  • Redbox
  • Uber Eats
  • Hulu
  • In-N-Out
  • Chipotle
In addition to 1% cash back at the national brands, here are some other ways you'll earn with HOOCH:
  • Connecting your first card ($5 bonus)
  • Drink at a HOOCH Venue (5%)
  • Book a Hotel (5%)
  • Dine at a HOOCH Venue (5%)
  • Refer friends
HOOCH started a long while back as a subscription app where you'll buy a subscription and you'll get a free drink at a HOOCH venue every day. The venues are extremely limited, so a majority of the people reading this won't find any value in that plan. Dining is just as rare.
Their referral system appears to be pretty generous. They're currently offering a $5 bonus for signing up, as well as $1 for the referrer, as well as a 20% bonus on their earnings for life. Here's my referral link, and a nonref link :)
Here's the downfall of HOOCH:
You can only cash out for gift cards, and the minimum is $25.
For most people, this is a really big disadvantage of this app. Assuming that most people will only be earning through the 1% cash back brands, the minimum you'll need to spend in order to his the cash out minimum is $2500, which would likely take most people a really long time, since the brand options are not places where you're likely to spend a lot of money frequently...like, for example, a grocery store.
But still, you could probably earn yourself a few free gift cards every once in a while for a totally passive app.

Bumped (Sign up & join waitlist!)

Bumped is an investing app, when you really boil it down. When you sign up you'll select one brand in each category (there are a lot of categories, you'll see below), and each time you shop at the selected brand, you'll earn the certain specified purchase back in the form of company stock. This is unique to all of the other apps on this list, because you're actually receiving company stock. Also, because of this, I think it's very important to note that in order to sign up for Bumped you'll need to enter your SSN since you will be opening up a brokerage account.
As of posting, the following are the category options that you can choose from:
I've bolded the brands I selected. Obviously you should pick a brand that you can find yourself using the most. Do note that if you pick a brand that you might want to change later, you'll get the opportunity to change your brands 3 times a year, at least 30 days in between.
Category Options
Burgers 3% at Jack in the Box
3% at McDonald's
3% at Wendy's
Coffee 2% at Dunkin' Donuts
2% at Starbucks
Drug Stores 2% at CVS
1% at Walgreens
Family Dining 2% at Applebees
2% at Chili's
2% at Olive Garden
2% at Red Robin
Grocery 1% at Kroger Family of Stores
Home Improvement 0.5% at The Home Depot
Mexican Food 2% at Chipotle Mexican Grill
2% at Taco Bell
Music Subscriptions 1% at Pandora
5% at Spotify
Pizza 1% at Domino's
5% at Papa John's
2% at Pizza Hut
Ride Sharing 0.5% at Lyft
0.5% at Uber
Superstores 1% at Target
1% at Walmart
Telecommunications 0.5% at AT&T
0.5% at T-Mobile
0.5% at Verizon Wireless
Video Subscriptions 1% at Netflix
5% at Sling TV
Vineyards 1% at Willamette Valley Vineyards
One thing that is listed on the app is that if you want to move your way up on the waitlist you can refer your friends to join the waitlist as well.

Bits

Bits (of stock) is very similar to Bumped. It's better in some ways, but worse in most.
Similar to Bumped, there's a waitlist. Note that Bits is currently only available on iOS, but they have teased a version for Android will be coming.
So, here's the issue with Bits...
There's no brokerage accounts set up.
If you're not sure what that means, basically in order for you to actually own and trade stocks, you'll need to do it through a brokerage account. For example, if you use Robinhood, you own a brokerage account at Robinhood. If you use TD Ameritrade, you'll have a brokerage account at TD Ameritrade. So basically the app will say that you're getting stock back as you spend, but there's no way to actually sell your stock. Basically what I'm saying is that until the brokerage account is added, you're really just receiving play money. Bits has been extremely silent about the release of the brokerage accounts... I asked them back in December and they said they were aiming to release it "next month". Three months have passed since then, so I asked last week and they again said the same thing.. the goal is a release next month (April). We'll just have to wait and see. The point here is -- assume you're not earning anything with Bits until they add the brokerage accounts. This post will be updated once the accounts are added.
So, as for the actual cash back from Bits, you're able to choose 15 brands (that you can change at any time). I'll list the brands you can choose from below. What's interesting is that when the app first launched, all of the brands offered a 2% CB rate (which is unsustainably high). The rates have since come down to 0.5% for all brands.
To save characters, here's a recording of me scrolling through the brands offered. If you don't want to watch that video, just know that there are a lot of brands to choose from.

Ibotta (Ref Link)

Ibottais a cash back app that has been around for years, but this is its first time being added to this list. When the app originally launched, you would earn on the app by selecting cash back products that you could purchase and receive a rebate. Once you selected products you wanted to purchase, you would then scan the products after purchasing them to confirm your purchase, and then submit a photo of your receipt.
That doesn't sound too passive, now, does it?
Well, over the last little while, the app has come a very long way. In most cases you no longer need to select rebates you want to purchase, and in most cases you don't even need to scan a receipt, if you're shopping somewhere where you can link a rewards membership.
For example, I shop at Meijer and Target primarily for groceries. Both of these stores allow me to link my accounts with the stores, so for Target any time I shop and spend using a credit card that is linked to my Target account, I'll get cash back automatically. Same thin for Meijer. As soon as I enter my mPerks phone number, I'll get cash back.
What's great is that you don't even have to select offers anymore. So this is one of those cases where you might accidentally get cash back. Also, just to clarify, you're getting cash back for the products you purchase, not the place that you're shopping... which is different than most of the other apps featured on this list.
Even if you don't purchase a product that qualifies for a rebate, you'll probably find yourself earning cash back almost every time you shop because Ibotta has several "Any" offers, meaning any time you buy "any" kind of a product, say.. blinker fluid, for example, you'll earn cash back for your blinker fluid purchase regardless of the brand. These offers are optimal for cash back.
I personally went a whole couple months without opening Ibotta and I showed up to $50 in cash back from purchases I didn't even know I was getting cash back for.
Another newer feature of the app (which isn't passive) is Ibotta Pay. Ibotta Pay is basically just a glorified way of purchasing gift cards and receiving cash back for the gift card purchase.
In addition to this cash back, you'll also find several bonuses where if you redeem x offers, you'll get a certain $ boost. For example, I currently have an offer for a $10 bonus if I redeem 14 offers before the bonus expires in just a few days. I've redeemed 2 so far, so I'm not sure if I'll be getting there in time. (BTW, if you're ever cutting it close, just note that Ibotta Pay will work where each gift card purchase will qualify for a completed offer ;))
Ibotta also does have a generous referral program. They do referral offers very frequently where you can earn bonuses, but the current offer is $4 for each friend you invite. Please consider using the referral link found in the Most Common Beermoney Sites thread.

Uber Visa Local Offers

Shop or dine out, get Uber credits back.
Use your Visa card next time you dine out or go on a shopping spree at a featured store and earn Uber credits toward future rides. To join, go to settings in your Uber app and tap on Visa Local Offers.
Whenever you shop out at certain places you'll instantly receive uber credits to your account. It's really simple, and yes, this does stack with all of the other cash back apps you might be a part of.
The brands they offer do change semi-frequently, so you should check them from time to time.
In the past there have been 100% cash back offers for streaming services, and 10-20% cash back at Sam's Club. Considering that these offers do stack, there is some really great potential if you find any value in uber credit.
If you're interested in activating the Visa local offers, you'll need to make sure you have a visa card linked to your Uber account first, and then you should see "activate local offers" in the app settings or payment settings of Uber.
There's really not much to say about Visa Local Offers, but if you're looking for some FAQ/Terms, feel free to check them all out here.

Cash App "Boosts"

For those if you who don't know what Cash App is, Cash App is an app by Square that lets you send and receive payments. They've also expanded their app to support bitcoin purchases, and they'll also let you use the app as a checking account. With the cash app you can also sign up to receive the Cash Card, which is a debit card that is funded with your cash app balance.
If you have not used Cash App before, they do have a fancy referral program where when you sign up and send $50 you'll receive $5 and so will I. I do want to make this very clear: Cash App referrals can see the full name of the person who refers you, and the person who refers you will have your full name shown to them. If you're really private about personal information, be careful whose referral link you use. If you trust me, here's my referral link.
Please note that if you want to use the cash app boosts that I'm talking about, you'll need to be 18 years old and have the cash card (which is free, don't worry)!
Cash App announced that their cash card will be seeing 'boosts'. Boosts are their fancy way of saying that when you use our card at certain locations you'll receive a discount.
Once you have the cash card, you'll notice on the app below your card you'll be able to select your boost. The following are my personal boost options, as of posting. The boosts change frequently,
  • $5 Off One Order on DoorDash
  • 10% Off One Visit at Any Grocery Store
  • 10% Off One Visit at Dollar Tree
  • 10% Off One Visit at Walgreens
  • 10% Off One Visit at Nike
  • 10% Off One Visit at Walmart
  • $5 Off One Ride at Lyft
  • 10% Off Each Visit at Bath & Body Works
  • 10% Off Each Visit at Playstation Network
  • 10% Off Each Visit at Xbox
  • 10% off Each Visit at Chick-Fil-A
  • 10% Off Each Visit at Taco Bell
  • 10% Off Each Visit at Dominos
  • 10% Off Each Visit at Portillo's.
Boosts tend to change every Friday, but several boosts will remain for a long period of time. The longest lasting boost, which just went away in the last week is the $1 off Any Coffee Shop. It stuck around for almost 2 years, and anyone who had that boost applied would automatically save $1 every time they shop at any coffee shop, without any interaction.
So there are quite a few things I want to say & clear up.
  1. You can use a boost every 1 hour.
  2. You must select the boost that you'd like to use prior to the purchase. You're able to swap which boost you want to use as often as you'd like. So when you walk into Chick-Fil-A, just check and make sure your boost is set to CFA. If not, swap it.
  3. In order to apply the boost, you must pay with the Cash Card. It's automatic. If your total is $6 and you're saving 10%, you'll only need a Cash app balance of $5.4 for the transaction. Cash App will cover the other $0.60.
  4. If you link your Cash Card to Apple Pay, you can pay with it that way and the boosts will still be applied.
Do realize that just because you have the Cash Card on the app, you won't see the boosts. You need to have the physical Cash Card in your possession for the boosts to show up.
I've been really enjoying using the Cash Card for purchases. Especially at CFA & Chipotle. It's really not a hassle. When I'm standing in line at Chipotle I'll open the app and make sure my cash app balance is enough and if not I'll just add funds right away. The boost is applied immediately which makes you feel good. It's like the guac is free at Chipotle after you use the cash card. The only downside to using the Cash Card is that you won't be able to stack discounts with anything else on this list... Unless you find a way to link the Cash Card to any of the things on this list. Regardless, 10% off at Chipotle is the best I have found.

Venmo Rewards

Venmo recently announced Venmo Rewards.
Take what you know about Cash App's boosts and then apply something similar to Venmo's debit card. Venmo Rewards is actually a bit easier than Cash App's boosts because it truly requires no input from you whatsoever. The tradeoff is that the cash back rates are lower. If Cash App's average discount would get you 10% off, Venmo would be about 4%.
So here's how Venmo Rewards works:
Simply use your Venmo card at participating merchants—stores you know and love— to earn rewards. Zero setup required. See list of participating merchants in the app.
  1. Get a Venmo card Learn More
  2. Swipe your card at participating merchants
  3. Automatically earn cashback straight to your Venmo balance. (Seriously. That’s it.)
As mentioned above in the section about Dosh, Venmo Rewards is powered by Dosh, and similar to Dosh, the cash back options are targeted. I personally can't use Venmo so I don't have the current list that most people will be seeing as far as opportunities go, but Venmo Rewards originally launched (in November 2019) with the following CB opportunities:
  • 5% Target
  • 5% Sephora
  • 5% Wendy’s
  • 4% Dunkin’
  • 5% Chevron
  • 4% Sam’s Club
  • 5% Papa John’s
Evan on DoC commented earlier this month with their updated CB opportunities:
Dunkin Donuts 4%, Sephora 5%, Macy’s 4%, JCPenney 5%, Sam’s Club 4%, 1-800-flowers.com 15%, Papa Johns 5%, Forever 21 4%, Frank and Oak 5%)
  • 4% Walmart & Walmart Grocery
  • 4% Dunkin'
  • 5% Sephora
  • 4% Macy's
  • 5% JCPenney
  • 4% Sam's Club
  • 15% 1-800-Flowers.com
  • 5% Papa John's
  • 4% Forever 21
  • 5% Frank and Oak
What I can make from this is that the options have not changed much, and have actually expanded, with a couple exceptions. If you're a Venmo user, I think this is a pretty decent reason to get the debit card. The 4% at Sam's Club and Walmart is a pretty good deal for most people, especially if there are no limits to the cash back you can earn.

Empyr Apps

I've listed this as "Empyr Apps" because all of these apps are basically just the same thing. I'll take the example of Swagbucks Local since that's what most of you reading this will already be using.
If you paid attention in the Visa Local Offers section of this post, you'll find that the Empyr apps are actually very similar to those visa local offers.
When you shop at a certain store/restaurant, you'll earn with the empyr app you have linked. It's actually really not that special.
Here's a list of some/most of the current Empyr powered apps:
IMPORTANT NOTE: You're only allowed to use one Empyr app at a time! As soon as you link up with another Empyr app, you'll be disqualified from another until you link back up.
I do want to go into this list a bit this time around since there seem to be more and more Empyr apps popping up.
Swagbucks Local will always be popular among Swagbucks users. What's really nice about Swagbucks Local is that the payouts are always instantly converted to Swagbucks, which can help you cash out sooner. You'll also likely get a slot in the Swago board filled out, which might be beneficial to you.
RetailMeNot is a newer one on this list and it's the only one here that I feel like I recommend you go on/off with. RetailMeNot has recently been doing a lot of "Spend $X, get $Y" deals at a lot of the stores they offer. For example, they are currently offering $5 Cash back for in Store purchases of $30+ at Staples. This is a really good deal for an Empyr app, and would probably be my pick for that transaction, but not most of the time since they don't have very many stores as options.

Drop (iOS | Android)

Ref = fish

Alright, so Drop has gone through a lot of changes since the last time this post was updated. Drop used to be the best passive cash back app without any debate. It was also one of the first apps to offer a card link cash back program. Over the last several months (and years), their card link program has seen several devaluations. First they removed brands you could pick from to receive cash back (for example, when I first joined, you could choose to earn cash back each time you shopped at Amazon, but new users would later not see Amazon as an option). They later lowered the cash back rate. For example, Target went from 1%, to 0.2%. And finally they limited new users to pick from 5 brands to receive cash back at to just 3.
In February 2020 Drop announced a change to the way their card linked cash back would work..
They since have removed their 'power offers' (the offers where you automatically earn cash back at brands), and have replaced it with card link 'Challenges'. These challenges have just recently launched, so it's hard to tell whether or not these will be passive or worthwhile altogether. I currently have one ongoing challenge where if I spend $10+ at Target with a linked card, I'll get 250 points ($0.25), which is pretty insignificant.
As far as I can tell, they seem to have ditched all other forms of card linked cash back from their app. If the challenges turn out to have nothing passive about them, or have no proof of being worthwhile, Drop will likely not even be on this list the next time around.
So let's talk about some features of Drop since we're on the topic.
Drop has clearly moved away from passive cash back, and has focused more on becoming a cash back app in the form of portal earnings and specific offers. Several of these offers are unique to drop, which is good, but when it comes to portal cash back, the rates are often on par or slightly below the offerings you could find on Cashback Monitor.
Another thing about Drop that people are (rightfully) upset about is the change that now requires you to save up $25 worth of points (25,000) in order to cash out. The minimum previously was just $5.
The only feature about Drop that hasn't been nerfed to the ground is their referral program. When you refer your friends you'll earn $5 once they link a card, and they'll get $5 as well.
Overall I'm not too hopeful that Drop will remain passive at all, so this might be the app's last appearance on this list for the foreseeable future.

Credit Cards

I've refrained from listing credit cards on this post for a long time. Maybe because I thought it was too obvious, or maybe it was unnecessary, but since the number of younger people using this subreddit has been increasing I feel like I'd be doing a disservice to entirely disclude a blurb about credit cards.
If you have a credit card and you don't really care to learn more about credit cards, just skip this section. If you're reading this post and you're 18+ (or if you're about to turn 18) and you don't have a credit card or don't know much about credit cards, I think it's a good idea to look into them. I'm not going to tell you exactly what a credit card is since that's an easy google search, but I will tell you about some benefits, especially about those that pertain to the benefits of this post.
Credit cards are great because you can essentially spend money just like you normally would*, but you'll also earn cash back on all/almost all of the purchases you make with them. Additionally, especially if you're young, getting a credit card is a really great because it will start helping you build credit. I'm currently looking into renting a house next year with two housemates and I'm shocked to see that neither of them have any credit. They quite honestly couldn't possibly live in a house without me, since I'm the only one who has credit.
*Make sure you're paying off your credit card every month (or however often you need)... Don't let yourself get into debt. I'd argue if you think you're going to get into debt with a credit card, I'd personally suggest you don't get a credit card.
While you need to be 18 years old to get your own credit card, if you're under 18, you can still start gaining credit. Most major credit card companies will allow your parents to add you as an authorized signer on their credit card (which basically just means that you'll get permission to use their cards). An effect of this is that you'll start gaining credit. If you're looking to build up credit but you don't think you're ready for a credit card, I'd really recommend you ask your parents about becoming an authorized signer. It's a good conversation to have with your parents.
Anyways, let's talk about the cash back benefits, since that's what this post is about, after all.
There's a lot of credit cards. This post isn't going to list them all out. This isn't really even the right subreddit for credit card discussion.
Nerdwallet has a great list of credit cards, so you might want to check it out here, but I'm going to share my own personal situation and recommend that for anyone who might relate, since the average age on this subreddit is around the 18-25 range.
My first credit card was the Chase Freedom Unlimited card. I actually still use this credit card very frequently since it's a pretty balanced card. A couple years back on my 18th birthday I went into my local chase branch and physically had to beg for this card (it's a really beginner card, trust me). After getting denied both in bank and online, I finally found a rep who would give me a calm $500 credit limit for the card. Note: I had no credit before hand.
The Chase Freedom Unlimited card offers 1.5% cash back on all purchases with the card... so when you think about it, I'd previously been spending $100 at Chipotle every month with my debit card, but with the Freedom Unlimited card, I would now be getting 1.5% cash back ($1.50) back on those purchases. It's just an easy way to save money on everything.
If you use the other apps I suggest in this post, you'll likely earn cash back passively from them on certain brands that are featured, but stacking a credit card cash back on top of all the other bonuses is the absolute best way to earn passive cash back since it's usually 1-5% cash back on your purchases.

ReceiptPal

ReceiptPal is an app that allows you to upload your receipts from almost anywhere that you go shopping. It's actually a really simple process.
When you sign up you'll be presented with almost little scratch cards which contains 4 spaces. Each space is filled with a receipt that you upload. Once you reach 4 receipts, you'll earn 100 points. 300/400 points = $1, so basically every 16 receipts you upload you'll receive ~$1.
"So, mr Fishering, how is this passive!?"
Unlike most receipt apps, ReceiptPal allows you to link your emails and amazon account and they'll automatically upload receipts for you. I actually let this app alone for several months and came back to thousands of points and cashed out instantly.
If you make purchases online, you'll essentially be earning ~$0.07 for every purchase you make if you have your email linked. They'll automatically find receipts and submit them, so it's 100% passive earnings.
If you also shop IRL you can submit physical receipts as well.
You can cash out instantly for $5 minimum in the form of a gift card. I'd recommend saving up at least 7,500 points for a $25 gift card, since it'll value points at 300/$1.

Paribus

Paribus is not your typical cash back site. Once you sign up you can link your different accounts (such as your amazon account) and it will automatically track your shopping. Paribus doesn't directly earn you cash back... it acts more like Walmart's saving catcher if you've ever heard of that. If an item you buy somewhere goes on sale shortly after or if there's any other discounts/promotions you may have missed when you originally bought something, they'll quietly get you a rebate on whatever you purchased. It can be very hit or miss. The catch is that they do take a cut of your savings. I believe it is 30% for all new users, but for each member you refer you can cut the cut by 5%. If you save $10, they'll charge you $3 to whatever card you have linked.
Personally I've found it to be really hit or miss, but I've found some incredible savings. I bought a gopro and I got $15 saved with Paribus, and I also got $50 back from some really nice headphones I picked up on amazon from Amazon. What's weird is I bought the headphones like 6 months prior to the rebate. Was shocking to see it, but I've really had some good luck with Paribus.

Sift (iOS | Android)

After the last post, I noticed a lot of people enjoyed Paribus, so I figured it'd be good to add some alternatives in this post.
So, here's Sift. Sift is a similar site to Paribus, and its key focus is on enforcing credit card benefits that many people don't know about. It's actually pretty nice. It'll let you pick your credit card and it'll tell you pretty much everything about your card. I have the Chase Freedom Unlimited card, and I was actually shocked to hear some of the benefits my card has that I have never been taking advantage of.
From Sift's site:
We automatically comb through your credit card policies to show you all your benefits in one place. For every purchase we let you know what benefits you are eligible for. We streamline the claim process to make it as simple as possible to get your money back.
You can link your emails as well as your amazon account as well and they'll make it really easy for you.
I have not actually used Sift much myself, so I cannot attest to how well it works, but the app store reviews are generally positive for Sift.

Trim Savings

Trim is similar to Paribus and Sift, but there's a certain void that it's trying to fill that the other two don't really seem to be filling.
Trim's main selling point is its bill negotiations. Instead of trying to save you money when a price drops, they're going to try and just nip it right in the bud and try to get your bills lower.
Right now they're mainly trying to negotiate with cell providers, internet providers, and cable providers.
Here's how the process goes:
  • Submit Your Bill: Submit your most recent cell phone, cable or internet bill to get started.
  • Trim Negotiates: Trim negotiates with your provider to get you discounts on your bill.
  • You Save Money: Trim takes 25% of annualized savings, but only on success—otherwise, it's free!
So, similar to Paribus, Trim does charge a fee. In a sense, I guess that's a good thing because it gives them an incentive to make sure to get some sort of bill decrease for you so they'll make some money too. Their rate is currently 25% of your bill negotiation. Of course, if they're not able to negotiate your bill for you, you won't pay them anything.
Trim does also monitor your bank account for you and they'll notify you of account changes (that you can set). For example, if they see a transaction worth $xxx, they'll notify me that I've made a large transaction. If there weren't already so many other sites/apps that could do that, I'd say that's a great feature that Trim offers.

Conclusion

Hopefully there's some new apps/sites you found out about in this post. If you sign up for some/all of these programs listed, you should probably find yourself earning some pretty decent cash back, depending on where/how much you spend. These apps are very satisfying to watch your balances build up on, and after a while it's very rewarding to cash out and treat yourself.
In this update I added some really great additions like Ibotta, Venmo Rewards, and Bits, but I am very sad to see the turn that Drop has taken. I have been tipped off to some upcoming passive cash back opportunities that will be coming very soon, and I can't wait to share those and hopefully add them to this list in the near future.
As always if you have any questions please do leave a comment or send me a PM!
Thanks for reading!
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  • Read my other posts!
  • Please send me PMs with any questions you have about anything, or even just PM me if you want someone to talk to.
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[SHARE] Fulfilled Request Megathread 4 FREE DOWNLOAD

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Tufte(self) 4 [Book] The Routledge Companion to Animal-Human History(self) 4 [Article] Inventing Brands: Opportunities at the Nexus of Semiotics and Intellectual Property by Conley, J. G.(self) 6 [Chapter] MULTICULTURALISM, OR, THE CULTURAL LOGIC OF MULTINATIONAL CAPITALISM by Slavoj Zizek(self) 5 [Article] Value articulation : A framework for the strategic manage- ment of intellectual property by Conley, James G., Peter M.Bican, and Holger Ernst(self) 3 [Book](JSTOR)Why We Believe: Evolution and the Human Way of Being by Agustin Fuentes(self) 1 [Book](self) 1 [Book] Ottoman Explorations of the Nile: Evliya Çelebi’s Map of the Nile and The Nile Journeys in the Book of Travels (Seyahatname) - Dankoff, Tezcan & Sheridan(self) 1 [Article] The Jewels of Adad by FNH Al-Rawi, JA Black(self) 1 [article] A measurement of collective learning effects in Italian high-tech milieux(self) 1 [Article] Parasympathetic activity is reduced during slow-wave sleep, but not resting wakefulness, in patients with chronic fatigue syndrome - Fatt et al., 2020(self) 1 [Book] Linked Data for Libraries, Archives, and Museums, by Seth van Hooland and Ruben Verborgh(self) 4 [Book] The Oxford Handbook of Well-Being and Public Policy - Edited by Matthew D. 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Parker(self) 1 [Book] Marsh's Becoming a Teacher(self) 4 [Book] Germans Against Nazism: Nonconformity, Opposition and Resistance in the Third Reich: Essays in Honour of Peter Hoffmann by Francis R. Nicosia and Lawrence D. Stokes(self) 4 [Chapter] The Standard Story and Its Rivals(self) 1 [BOOK]Agrarian and Other Histories Essays for Binay Bhushan Chaudhuri - Edited by Shubhra Chakrabarti and Utsa Patnaik(self) 1 [Book] Regional modernities : the cultural politics of development in India. Ed. K. Sivaramakrishnan; Arun Agrawal(self) 1 [Chapter] Damping in Structures(self) 1 [Book] Gerontología y geriatría: valoración e intervención. Editorial Médica Panamericana. José Carlos Millán-Calentí(self) 1 [Book] Lotman's Cultural Semiotics and the Political - Makarychev & Yatsyk (2017)(self) 2 [Book] (Brill) The Handbook of Austroasiatic Languages (2 vols)(self) 1 [Book] Indian Films in Soviet Cinemas: The Culture of Movie-going After Stalin by Sudha Rajagopalan(self) 4 [BOOK] Decolonizing Theory: Thinking across Traditions by Aditya Nigam (1st edition, Bloomsbury India)(self) 3 [Request] [Article] Cell-by-Cell Deconstruction of Stem Cell Niches(self) 1 [Book] Social research methods- fifth edition, Bryman, Alan (2016)(self) 4 [Book]Chinese and Indian Warfare – From the Classical Age to 1870(self) 1 [Book] PC-Forensik Christoph Willer(self) 1 [Book] Designing for Empathy: Perspectives on the Museum Experience(self) 4 [book] American Communism and Black Americans by Philip Foner(self) 4 [Book] Marcus Franke : War and Nationalism in South Asia The Indian State and the Nagas(self) 8 [BOOK] Natural Resources, Extraction and Indigenous Rights in Latin America. Exploring the Boundaries of Environmental and State-Corporate Crime in Bolivia, Peru, and Mexico(self) 1 [Book] International Human Rights Law (3rd edn) Edited by Daniel Moeckli - Oxford University Press(self) 4 [Book] Participatory Heritage, Edited by Henriette Roued-Cunliffe , Andrea Copeland(self) 4 [BOOK] Political Representation in Southern Europe and Latin America Before and After the Great Recession and the Commodity Crisis - André Freire, Mélany Barragán, Xavier Coller, Marco Lisi, Emmanouil Tsatsanis(self) 4 [BOOK] Latin America and Policy Diffusion From Import to Export - Osmany Porto de Oliveira, Cecilia Osorio Gonnet, Sergio Montero, Cristiane Kerches da Silva Leite(self) 0 [Book] Sexual behaviour in Britain: The National Survey of Sexual Attitudes and Lifestyles (1994)(self) 1 [book] Studien zur Hirnpathologie und Psychologie - Pick, Arnold(self) 4 [Other] Special Issue, Blockchain innovation and public policy, Journal of Entrepreneurship and Public Policy: Volume 9 Issue 2(self) 4 [BOOK] baby jails: the fight to end the incarceration of refugee children in america/ jstor account??(self) 1 [Journal] Special Issue: Blockchain innovation and public policy, Journal of Entrepreneurship and Public Policy, Volume 9, Issue 2(self) 1 [Book] Blackstone's EU Treaties and Legislation 2019-2020 (20th ed)(self) 3 [article] Deep Graph Kernels(self) 5 [Book] Routledge Handbook of the South Asian Diaspora - By Joya Chatterji, David Washbrook(self) 4 [Book] Growth and distribution(self) 1 [BOOK] The Radical Left in Europe in the Age of Austerity - Babak Amini(self) 4 [Book] Political Myth by Christopher Flood (Routledge) (2002)(self) 2 [Article] Robotic Assisted Radical Cystectomy vs Open Radical Cystectomy: Systematic Review and Meta-Analysis + Niranjan J Sathianathen et al(self) 1 [Book] Folk Art Potters of Japan Beyond an Anthropology of Aesthetics (Routledge) by Brian Moeran(self) 1 [book] Revolution: How the Bicycle Reinvented Modern Britain(self) 5 [BOOK] Radical Left Movements in Europe - Magnus Wennerhag, Christian Fröhlich, Grzegorz Piotrowski(self) 4 [BOOK] Party System Change, the European Crisis and the State of Democracy - Marco Lisi(self) 5 [BOOK] Routledge Handbook of Contemporary European Social Movements. Protest in Turbulent Times - Cristina Flesher Fominaya, Ramon A. Feenstra(self) 4 [Book] Attorney-Client Privilege in International Arbitration(self) 1 [Article] An Alternative Ontology of Food Beyond Metaphysics by Lisa Heldke. Published in Radical Philosophy Review, Vol 15, Issue 1, 2012(self) 1 [Book] Bello, Walden 2005 Dilemmas of Domination: The Unmaking of the American Empire. Zed Books, 2005.(self) 1 [Article] Owning the PastOwning the Past Reply to Stokes(self) 1 [Article] Owning the PastOwning the Past Reply to Stokes(self) 1 [Book] McQuire, Scott. Crossing the Digital Threshold. Brisbane: Australian Key Centre for Cultural and Media Policy, Faculty of Humanities, Griffith University, 1997.(self) 3 [Book] Request: Migration and the Refugee Dissensus in Europe: Borders, Security and Austerity by Nicos Trimikliniotis.(self) 9 [Article] Masculinity in videogames: the gendered gameplay of Silent Hill(self) 1 [BOOK] 'Truth games : lies, money, and psychoanalysis' by John Forrester, Harvard University Press, 2000(self) 1 [Book] Osterloh, Jörg, und Clemens Vollnhals. NS-Prozesse Und Deutsche Öffentlichkeit: Besatzungszeit, Frühe Bundesrepublik Und DDR.(self) 2
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Dive Into Tendermint Consensus Protocol (I)

Dive Into Tendermint Consensus Protocol (I)
This article is written by the CoinEx Chain lab. CoinEx Chain is the world’s first public chain exclusively designed for DEX, and will also include a Smart Chain supporting smart contracts and a Privacy Chain protecting users’ privacy.
longcpp @ 20200618
This is Part 1 of the serialized articles aimed to explain the Tendermint consensus protocol in detail.
Part 1. Preliminary of the consensus protocol: security model and PBFT protocol
Part 2. Tendermint consensus protocol illustrated: two-phase voting protocol and the locking and unlocking mechanism
Part 3. Weighted round-robin proposer selection algorithm used in Tendermint project
Any consensus agreement that is ultimately reached is the General Agreement, that is, the majority opinion. The consensus protocol on which the blockchain system operates is no exception. As a distributed system, the blockchain system aims to maintain the validity of the system. Intuitively, the validity of the blockchain system has two meanings: firstly, there is no ambiguity, and secondly, it can process requests to update its status. The former corresponds to the safety requirements of distributed systems, while the latter to the requirements of liveness. The validity of distributed systems is mainly maintained by consensus protocols, considering the multiple nodes and network communication involved in such systems may be unstable, which has brought huge challenges to the design of consensus protocols.

The semi-synchronous network model and Byzantine fault tolerance

Researchers of distributed systems characterize these problems that may occur in nodes and network communications using node failure models and network models. The fail-stop failure in node failure models refers to the situation where the node itself stops running due to configuration errors or other reasons, thus unable to go on with the consensus protocol. This type of failure will not cause side effects on other parts of the distributed system except that the node itself stops running. However, for such distributed systems as the public blockchain, when designing a consensus protocol, we still need to consider the evildoing intended by nodes besides their failure. These incidents are all included in the Byzantine Failure model, which covers all unexpected situations that may occur on the node, for example, passive downtime failures and any deviation intended by the nodes from the consensus protocol. For a better explanation, downtime failures refer to nodes’ passive running halt, and the Byzantine failure to any arbitrary deviation of nodes from the consensus protocol.
Compared with the node failure model which can be roughly divided into the passive and active models, the modeling of network communication is more difficult. The network itself suffers problems of instability and communication delay. Moreover, since all network communication is ultimately completed by the node which may have a downtime failure or a Byzantine failure in itself, it is usually difficult to define whether such failure arises from the node or the network itself when a node does not receive another node's network message. Although the network communication may be affected by many factors, the researchers found that the network model can be classified by the communication delay. For example, the node may fail to send data packages due to the fail-stop failure, and as a result, the corresponding communication delay is unknown and can be any value. According to the concept of communication delay, the network communication model can be divided into the following three categories:
  • The synchronous network model: There is a fixed, known upper bound of delay $\Delta$ in network communication. Under this model, the maximum delay of network communication between two nodes in the network is $\Delta$. Even if there is a malicious node, the communication delay arising therefrom does not exceed $\Delta$.
  • The asynchronous network model: There is an unknown delay in network communication, with the upper bound of the delay known, but the message can still be successfully delivered in the end. Under this model, the network communication delay between two nodes in the network can be any possible value, that is, a malicious node, if any, can arbitrarily extend the communication delay.
  • The semi-synchronous network model: Assume that there is a Global Stabilization Time (GST), before which it is an asynchronous network model and after which, a synchronous network model. In other words, there is a fixed, known upper bound of delay in network communication $\Delta$. A malicious node can delay the GST arbitrarily, and there will be no notification when no GST occurs. Under this model, the delay in the delivery of the message at the time $T$ is $\Delta + max(T, GST)$.
The synchronous network model is the most ideal network environment. Every message sent through the network can be received within a predictable time, but this model cannot reflect the real network communication situation. As in a real network, network failures are inevitable from time to time, causing the failure in the assumption of the synchronous network model. Yet the asynchronous network model goes to the other extreme and cannot reflect the real network situation either. Moreover, according to the FLP (Fischer-Lynch-Paterson) theorem, under this model if there is one node fails, no consensus protocol will reach consensus in a limited time. In contrast, the semi-synchronous network model can better describe the real-world network communication situation: network communication is usually synchronous or may return to normal after a short time. Such an experience must be no stranger to everyone: the web page, which usually gets loaded quite fast, opens slowly every now and then, and you need to try before you know the network is back to normal since there is usually no notification. The peer-to-peer (P2P) network communication, which is widely used in blockchain projects, also makes it possible for a node to send and receive information from multiple network channels. It is unrealistic to keep blocking the network information transmission of a node for a long time. Therefore, all the discussion below is under the semi-synchronous network model.
The design and selection of consensus protocols for public chain networks that allow nodes to dynamically join and leave need to consider possible Byzantine failures. Therefore, the consensus protocol of a public chain network is designed to guarantee the security and liveness of the network under the semi-synchronous network model on the premise of possible Byzantine failure. Researchers of distributed systems point out that to ensure the security and liveness of the system, the consensus protocol itself needs to meet three requirements:
  • Validity: The value reached by honest nodes must be the value proposed by one of them
  • Agreement: All honest nodes must reach consensus on the same value
  • Termination: The honest nodes must eventually reach consensus on a certain value
Validity and agreement can guarantee the security of the distributed system, that is, the honest nodes will never reach a consensus on a random value, and once the consensus is reached, all honest nodes agree on this value. Termination guarantees the liveness of distributed systems. A distributed system unable to reach consensus is useless.

The CAP theorem and Byzantine Generals Problem

In a semi-synchronous network, is it possible to design a Byzantine fault-tolerant consensus protocol that satisfies validity, agreement, and termination? How many Byzantine nodes can a system tolerance? The CAP theorem and Byzantine Generals Problem provide an answer for these two questions and have thus become the basic guidelines for the design of Byzantine fault-tolerant consensus protocols.
Lamport, Shostak, and Pease abstracted the design of the consensus mechanism in the distributed system in 1982 as the Byzantine Generals Problem, which refers to such a situation as described below: several generals each lead the army to fight in the war, and their troops are stationed in different places. The generals must formulate a unified action plan for the victory. However, since the camps are far away from each other, they can only communicate with each other through the communication soldiers, or, in other words, they cannot appear on the same occasion at the same time to reach a consensus. Unfortunately, among the generals, there is a traitor or two who intend to undermine the unified actions of the loyal generals by sending the wrong information, and the communication soldiers cannot send the message to the destination by themselves. It is assumed that each communication soldier can prove the information he has brought comes from a certain general, just as in the case of a real BFT consensus protocol, each node has its public and private keys to establish an encrypted communication channel for each other to ensure that its messages will not be tampered with in the network communication, and the message receiver can also verify the sender of the message based thereon. As already mentioned, any consensus agreement ultimately reached represents the consensus of the majority. In the process of generals communicating with each other for an offensive or retreat, a general also makes decisions based on the majority opinion from the information collected by himself.
According to the research of Lamport et al, if there are 1/3 or more traitors in the node, the generals cannot reach a unified decision. For example, in the following figure, assume there are 3 generals and only 1 traitor. In the figure on the left, suppose that General C is the traitor, and A and B are loyal. If A wants to launch an attack and informs B and C of such intention, yet the traitor C sends a message to B, suggesting what he has received from A is a retreat. In this case, B can't decide as he doesn't know who the traitor is, and the information received is insufficient for him to decide. If A is a traitor, he can send different messages to B and C. Then C faithfully reports to B the information he received. At this moment as B receives conflicting information, he cannot make any decisions. In both cases, even if B had received consistent information, it would be impossible for him to spot the traitor between A and C. Therefore, it is obvious that in both situations shown in the figure below, the honest General B cannot make a choice.
According to this conclusion, when there are $n$ generals with at most $f$ traitors (n≤3f), the generals cannot reach a consensus if $n \leq 3f$; and with $n > 3f$, a consensus can be reached. This conclusion also suggests that when the number of Byzantine failures $f$ exceeds 1/3 of the total number of nodes $n$ in the system $f \ge n/3$ , no consensus will be reached on any consensus protocol among all honest nodes. Only when $f < n/3$, such condition is likely to happen, without loss of generality, and for the subsequent discussion on the consensus protocol, $ n \ge 3f + 1$ by default.
The conclusion reached by Lamport et al. on the Byzantine Generals Problem draws a line between the possible and the impossible in the design of the Byzantine fault tolerance consensus protocol. Within the possible range, how will the consensus protocol be designed? Can both the security and liveness of distributed systems be fully guaranteed? Brewer provided the answer in his CAP theorem in 2000. It indicated that a distributed system requires the following three basic attributes, but any distributed system can only meet two of the three at the same time.
  1. Consistency: When any node responds to the request, it must either provide the latest status information or provide no status information
  2. Availability: Any node in the system must be able to continue reading and writing
  3. Partition Tolerance: The system can tolerate the loss of any number of messages between two nodes and still function normally

https://preview.redd.it/1ozfwk7u7m851.png?width=1400&format=png&auto=webp&s=fdee6318de2cf1c021e636654766a7a0fe7b38b4
A distributed system aims to provide consistent services. Therefore, the consistency attribute requires that the two nodes in the system cannot provide conflicting status information or expired information, which can ensure the security of the distributed system. The availability attribute is to ensure that the system can continuously update its status and guarantee the availability of distributed systems. The partition tolerance attribute is related to the network communication delay, and, under the semi-synchronous network model, it can be the status before GST when the network is in an asynchronous status with an unknown delay in the network communication. In this condition, communicating nodes may not receive information from each other, and the network is thus considered to be in a partitioned status. Partition tolerance requires the distributed system to function normally even in network partitions.
The proof of the CAP theorem can be demonstrated with the following diagram. The curve represents the network partition, and each network has four nodes, distinguished by the numbers 1, 2, 3, and 4. The distributed system stores color information, and all the status information stored by all nodes is blue at first.
  1. Partition tolerance and availability mean the loss of consistency: When node 1 receives a new request in the leftmost image, the status changes to red, the status transition information of node 1 is passed to node 3, and node 3 also updates the status information to red. However, since node 3 and node 4 did not receive the corresponding information due to the network partition, the status information is still blue. At this moment, if the status information is queried through node 2, the blue returned by node 2 is not the latest status of the system, thus losing consistency.
  2. Partition tolerance and consistency mean the loss of availability: In the middle figure, the initial status information of all nodes is blue. When node 1 and node 3 update the status information to red, node 2 and node 4 maintain the outdated information as blue due to network partition. Also when querying status information through node 2, you need to first ask other nodes to make sure you’re in the latest status before returning status information as node 2 needs to follow consistency, but because of the network partition, node 2 cannot receive any information from node 1 or node 3. Then node 2 cannot determine whether it is in the latest status, so it chooses not to return any information, thus depriving the system of availability.
  3. Consistency and availability mean the loss of the partition tolerance: In the right-most figure, the system does not have a network partition at first, and both status updates and queries can go smoothly. However, once a network partition occurs, it degenerates into one of the previous two conditions. It is thus proved that any distributed system cannot have consistency, availability, and partition tolerance all at the same time.

https://preview.redd.it/456x2blv7m851.png?width=1400&format=png&auto=webp&s=550797373145b8fc1471bdde68ed5f8d45adb52b
The discovery of the CAP theorem seems to declare that the aforementioned goals of the consensus protocol is impossible. However, if you’re careful enough, you may find from the above that those are all extreme cases, such as network partitions that cause the failure of information transmission, which could be rare, especially in P2P network. In the second case, the system rarely returns the same information with node 2, and the general practice is to query other nodes and return the latest status as believed after a while, regardless of whether it has received the request information of other nodes. Therefore, although the CAP theorem points out that any distributed system cannot satisfy the three attributes at the same time, it is not a binary choice, as the designer of the consensus protocol can weigh up all the three attributes according to the needs of the distributed system. However, as the communication delay is always involved in the distributed system, one always needs to choose between availability and consistency while ensuring a certain degree of partition tolerance. Specifically, in the second case, it is about the value that node 2 returns: a probably outdated value or no value. Returning the possibly outdated value may violate consistency but guarantees availability; yet returning no value deprives the system of availability but guarantees its consistency. Tendermint consensus protocol to be introduced is consistent in this trade-off. In other words, it will lose availability in some cases.
The genius of Satoshi Nakamoto is that with constraints of the CAP theorem, he managed to reach a reliable Byzantine consensus in a distributed network by combining PoW mechanism, Satoshi Nakamoto consensus, and economic incentives with appropriate parameter configuration. Whether Bitcoin's mechanism design solves the Byzantine Generals Problem has remained a dispute among academicians. Garay, Kiayias, and Leonardos analyzed the link between Bitcoin mechanism design and the Byzantine consensus in detail in their paper The Bitcoin Backbone Protocol: Analysis and Applications. In simple terms, the Satoshi Consensus is a probabilistic Byzantine fault-tolerant consensus protocol that depends on such conditions as the network communication environment and the proportion of malicious nodes' hashrate. When the proportion of malicious nodes’ hashrate does not exceed 1/2 in a good network communication environment, the Satoshi Consensus can reliably solve the Byzantine consensus problem in a distributed environment. However, when the environment turns bad, even with the proportion within 1/2, the Satoshi Consensus may still fail to reach a reliable conclusion on the Byzantine consensus problem. It is worth noting that the quality of the network environment is relative to Bitcoin's block interval. The 10-minute block generation interval of the Bitcoin can ensure that the system is in a good network communication environment in most cases, given the fact that the broadcast time of a block in the distributed network is usually just several seconds. In addition, economic incentives can motivate most nodes to actively comply with the agreement. It is thus considered that with the current Bitcoin network parameter configuration and mechanism design, the Bitcoin mechanism design has reliably solved the Byzantine Consensus problem in the current network environment.

Practical Byzantine Fault Tolerance, PBFT

It is not an easy task to design the Byzantine fault-tolerant consensus protocol in a semi-synchronous network. The first practically usable Byzantine fault-tolerant consensus protocol is the Practical Byzantine Fault Tolerance (PBFT) designed by Castro and Liskov in 1999, the first of its kind with polynomial complexity. For a distributed system with $n$ nodes, the communication complexity is $O(n2$.) Castro and Liskov showed in the paper that by transforming centralized file system into a distributed one using the PBFT protocol, the overwall performance was only slowed down by 3%. In this section we will briefly introduce the PBFT protocol, paving the way for further detailed explanations of the Tendermint protocol and the improvements of the Tendermint protocol.
The PBFT protocol that includes $n=3f+1$ nodes can tolerate up to $f$ Byzantine nodes. In the original paper of PBFT, full connection is required among all the $n$ nodes, that is, any two of the n nodes must be connected. All the nodes of the network jointly maintain the system status through network communication. In the Bitcoin network, a node can participate in or exit the consensus process through hashrate mining at any time, which is managed by the administrator, and the PFBT protocol needs to determine all the participating nodes before the protocol starts. All nodes in the PBFT protocol are divided into two categories, master nodes, and slave nodes. There is only one master node at any time, and all nodes take turns to be the master node. All nodes run in a rotation process called View, in each of which the master node will be reelected. The master node selection algorithm in PBFT is very simple: all nodes become the master node in turn by the index number. In each view, all nodes try to reach a consensus on the system status. It is worth mentioning that in the PBFT protocol, each node has its own digital signature key pair. All sent messages (including request messages from the client) need to be signed to ensure the integrity of the message in the network and the traceability of the message itself. (You can determine who sent a message based on the digital signature).
The following figure shows the basic flow of the PBFT consensus protocol. Assume that the current view’s master node is node 0. Client C initiates a request to the master node 0. After the master node receives the request, it broadcasts the request to all slave nodes that process the request of client C and return the result to the client. After the client receives f+1 identical results from different nodes (based on the signature value), the result can be taken as the final result of the entire operation. Since the system can have at most f Byzantine nodes, at least one of the f+1 results received by the client comes from an honest node, and the security of the consensus protocol guarantees that all honest nodes will reach consensus on the same status. So, the feedback from 1 honest node is enough to confirm that the corresponding request has been processed by the system.

https://preview.redd.it/sz8so5ly7m851.png?width=1400&format=png&auto=webp&s=d472810e76bbc202e91a25ef29a51e109a576554
For the status synchronization of all honest nodes, the PBFT protocol has two constraints on each node: on one hand, all nodes must start from the same status, and on the other, the status transition of all nodes must be definite, that is, given the same status and request, the results after the operation must be the same. Under these two constraints, as long as the entire system agrees on the processing order of all transactions, the status of all honest nodes will be consistent. This is also the main purpose of the PBFT protocol: to reach a consensus on the order of transactions between all nodes, thereby ensuring the security of the entire distributed system. In terms of availability, the PBFT consensus protocol relies on a timeout mechanism to find anomalies in the consensus process and start the View Change protocol in time to try to reach a consensus again.
The figure above shows a simplified workflow of the PBFT protocol. Where C is the client, 0, 1, 2, and 3 represent 4 nodes respectively. Specifically, 0 is the master node of the current view, 1, 2, 3 are slave nodes, and node 3 is faulty. Under normal circumstances, the PBFT consensus protocol reaches consensus on the order of transactions between nodes through a three-phase protocol. These three phases are respectively: Pre-Prepare, Prepare, and Commit:
  • The master node of the pre-preparation node is responsible for assigning the sequence number to the received client request, and broadcasting the message to the slave node. The message contains the hash value of the client request d, the sequence number of the current viewv, the sequence number n assigned by the master node to the request, and the signature information of the master nodesig. The scheme design of the PBFT protocol separates the request transmission from the request sequencing process, and the request transmission is not to be discussed here. The slave node that receives the message accepts the message after confirming the message is legitimate and enter preparation phase. The message in this step checks the basic signature, hash value, current view, and, most importantly, whether the master node has given the same sequence number to other request from the client in the current view.
  • In preparation, the slave node broadcasts the message to all nodes (including itself), indicating that it assigns the sequence number n to the client request with the hash value d under the current view v, with its signaturesig as proof. The node receiving the message will check the correctness of the signature, the matching of the view sequence number, etc., and accept the legitimate message. When the PRE-PREPARE message about a client request (from the main node) received by a node matches with the PREPARE from 2f slave nodes, the system has agreed on the sequence number requested by the client in the current view. This means that 2f+1 nodes in the current view agree with the request sequence number. Since it contains information from at most fmalicious nodes, there are a total of f+1 honest nodes that have agreed with the allocation of the request sequence number. With f malicious nodes, there are a total of 2f+1 honest nodes, so f+1represents the majority of the honest nodes, which is the consensus of the majority mentioned before.
  • After the node (including the master node and the slave node) receives a PRE-PREPARE message requested by the client and 2f PREPARE messages, the message is broadcast across the network and enters the submission phase. This message is used to indicate that the node has observed that the whole network has reached a consensus on the sequence number allocation of the request message from the client. When the node receives 2f+1 COMMIT messages, there are at least f+1 honest nodes, that is, most of the honest nodes have observed that the entire network has reached consensus on the arrangement of sequence numbers of the request message from the client. The node can process the client request and return the execution result to the client at this moment.
Roughly speaking, in the pre-preparation phase, the master node assigns a sequence number to all new client requests. During preparation, all nodes reach consensus on the client request sequence number in this view, while in submission the consistency of the request sequence number of the client in different views is to be guaranteed. In addition, the design of the PBFT protocol itself does not require the request message to be submitted by the assigned sequence number, but out of order. That can improve the efficiency of the implementation of the consensus protocol. Yet, the messages are still processed by the sequence number assigned by the consensus protocol for the consistency of the distributed system.
In the three-phase protocol execution of the PBFT protocol, in addition to maintaining the status information of the distributed system, the node itself also needs to log all kinds of consensus information it receives. The gradual accumulation of logs will consume considerable system resources. Therefore, the PBFT protocol additionally defines checkpoints to help the node deal with garbage collection. You can set a checkpoint every 100 or 1000 sequence numbers according to the request sequence number. After the client request at the checkpoint is executed, the node broadcasts messages throughout the network, indicating that after the node executes the client request with sequence number n, the hash value of the system status is d, and it is vouched by its own signature sig. After 2f+1 matching CHECKPOINT messages (one of which can come from the node itself) are received, most of the honest nodes in the entire network have reached a consensus on the system status after the execution of the client request with the sequence numbern, and then you can clear all relevant log records of client requests with the sequence number less than n. The node needs to save these2f+1 CHECKPOINTmessages as proof of the legitimate status at this moment, and the corresponding checkpoint is called a stable checkpoint.
The three-phase protocol of the PBFT protocol can ensure the consistency of the processing order of the client request, and the checkpoint mechanism is set to help nodes perform garbage collection and further ensures the status consistency of the distributed system, both of which can guarantee the security of the distributed system aforementioned. How is the availability of the distributed system guaranteed? In the semi-synchronous network model, a timeout mechanism is usually introduced, which is related to delays in the network environment. It is assumed that the network delay has a known upper bound after GST. In such condition, an initial value is usually set according to the network condition of the system deployed. In case of a timeout event, besides the corresponding processing flow triggered, additional mechanisms will be activated to readjust the waiting time. For example, an algorithm like TCP's exponential back off can be adopted to adjust the waiting time after a timeout event.
To ensure the availability of the system in the PBFT protocol, a timeout mechanism is also introduced. In addition, due to the potential the Byzantine failure in the master node itself, the PBFT protocol also needs to ensure the security and availability of the system in this case. When the Byzantine failure occurs in the master node, for example, when the slave node does not receive the PRE-PREPARE message or the PRE-PREPARE message sent by the master node from the master node within the time window and is thus determined to be illegitimate, the slave node can broadcast to the entire network, indicating that the node requests to switch to the new view with sequence number v+1. n indicates the request sequence number corresponding to the latest stable checkpoint local to the node, and C is to prove the stable checkpoint 2f+1 legitimate CHECKPOINT messages as aforementioned. After the latest stable checkpoint and before initiating the VIEWCHANGE message, the system may have reached a consensus on the sequence numbers of some request messages in the previous view. To ensure the consistency of these request sequence numbers to be switched in the view, the VIEWCHANGE message needs to carry this kind of the information to the new view, which is also the meaning of the P field in the message. P contains all the client request messages collected at the node with a request sequence number greater than n and the proof that a consensus has been reached on the sequence number in the node: the legitimate PRE-PREPARE message of the request and 2f matching PREPARE messages. When the master node in view v+1 collects 2f+1 VIEWCHANGE messages, it can broadcast the NEW-VIEW message and take the entire system into a new view. For the security of the system in combination with the three-phase protocol of the PBFT protocol, the construction rules of the NEW-VIEW information are designed in a quite complicated way. You can refer to the original paper of PBFT for more details.

https://preview.redd.it/x5efdc908m851.png?width=1400&format=png&auto=webp&s=97b4fd879d0ec668ee0990ea4cadf476167a2948
VIEWCHANGE contains a lot of information. For example, C contains 2f+1 signature information, P contains several signature sets, and each set has 2f+1 signature. At least 2f+1 nodes need to send a VIEWCHANGE message before prompting the system to enter the next new view, and that means, in addition to the complex logic of constructing the information of VIEWCHANGE and NEW-VIEW, the communication complexity of the view conversion protocol is $O(n2$.) Such complexity also limits the PBFT protocol to support only a few nodes, and when there are 100 nodes, it is usually too complex to practically deploy PBFT. It is worth noting that in some materials the communication complexity of the PBFT protocol is inappropriately attributed to the full connection between n nodes. By changing the fully connected network topology to the P2P network topology based on distributed hash tables commonly used in blockchain projects, high communication complexity caused by full connection can be conveniently solved, yet still, it is difficult to improve the communication complexity during the view conversion process. In recent years, researchers have proposed to reduce the amount of communication in this step by adopting aggregate signature scheme. With this technology, 2f+1 signature information can be compressed into one, thereby reducing the communication volume during view change.
submitted by coinexchain to u/coinexchain [link] [comments]

15 Apps That Will Earn You Passive Cash Back (Best Passive Saving Apps 2019)

This is the updated 2019 Q1/Q2 version of this post. If you remember reading the previous iteration of this post, there are several changes to the list this time around. Some new additions, and some removals.
I'm not necessarily listing these apps/sites off from best to worst, but the higher names on the list came to my mind faster, which basically just means that I prefer them.
Note: Most of these apps will be US only. A couple on this list are for Canada as well, and I've tried to make notes about apps that work outside of the US.
Having said that, let's get right into it.

15 Passive Cash Back Apps 2019

Pei

Ref = fish

Pei is an automatic cash back app, very similar to Drop (listed below). When you sign up, you'll link a debit/credit card and you'll then automatically start earning cash back as you shop at certain Pei merchants (listed just below). There are so many merchants with Pei that you'll likely find yourself accidentally earning cash back on the app, without even knowing it. Pei is an app that you can really just link a card and then check back weeks later and surprise yourself with the money you've earned. The app has improved so much since the first time I posted about it, that it deserves the top spot in this post. You can cash out instantly as soon as you reach $15 in your account, and they're currently offering a cool $5 bonus when you sign up with a referral. My referral is "5LTZ1S". Big appreciate if you use my referral to sign up.

Pros of Pei:

So with all of that being said, let's talk about the stores you can find on Pei. Just note that these are only stores that are local to me, so if I don't have a certain store near me that Pei offers, I won't have it on this list. Additionally, Pei actually offers so many stores at this point that there's no way for me to actually keep this list up to date at all. There have been countless times where I've shopped somewhere that doesn't even come up as an option to earn with Pei but I'll see cash back listed on the app. It's really quite impressive.
In addition to receiving cash back at many locations, Pei also has a 'loyalty bonus' where if you shop at a certain store 5x you'll earn a bonus of $0.50!
They also do offer a "$2 on $20", essentially meaning that if you spend $20 at a certain merchant, you'll earn a $2 bonus. Local for me, I have the following options for $2 on $20:
I feel like a lot of people will enjoy this ~10% bonus on UbeLyft, especially if you ride a lot.
Most stores do have a $5 daily/weekly earning limit, so do be aware that if you spend more than ~$500, you'll likely reach an earning cap.

Drop - (iOS | Android)

Ref = fish

Drop is a passive loyalty program for US/Canada that allows you to choose 5 popular stores where you'll earn cash back (automatically) at as soon as you shop at them (both online or in store). You'll start off by linking your cards to drop (credit or debit), and they'll automatically track your purchases and once they notice a purchase from one of the 5 stores that you selected, you'll automatically earn cash back in the form of drop points which can be redeemed for instant gift cards to several stores.
As mentioned above, once you register you'll be presented with a list of store options. Do note that the stores you choose might be stuck with you forever, so pick stores you plan on shopping at a lot in the future, since you might never get the opportunity to change them.
For a new user signing up today, here are the current options you'll be presented and the corresponding rate:
Do note that this list may change at any time, but historically whatever rate you receive when you sign up is the rate that will be locked in for you.
Here are a couple things that are worth noting:
Other ways to earn with drop:
While the passive options have already been discussed, I think it's important to highlight some other features that the Drop app provides. In addition to your ongoing offers, you can also earn on Drop by participating in mini game challenges, one time offers, mobile offers/linked offers, Supercharge mini game, and referring friends.
Let's talk a little about that:

HOOCH Rewards (Ref Link)

HOOCH is a new addition to this list. Similar to Drop and Pei, HOOCH will automatically earn you cash back when you link a credit/debit card.
If you understand how Drop or Pei work, there's not really much more to say about HOOCH's cash back system.
You'll instantly earn 1% cash back at the following national brands:
  • Uber
  • iTunes
  • Starbucks
  • Domino's
  • Netflix
  • Shake Shack
  • Spotify
  • Audible
  • Redbox
  • Uber Eats
  • Hulu
  • In-N-Out
  • Chipotle*
*I don't see Chipotle listed, but I've definitely been earning cash back from Chipotle for each of my purchases.
In addition to 1% cash back at the national brands, here are some other ways you'll earn with HOOCH:
  • Connecting your first card ($5 bonus)
  • Drink at a HOOCH Venue (5%)
  • Book a Hotel (5%)
  • Dine at a HOOCH Venue (5%)
  • Refer friends
HOOCH started a long while back as a subscription app where you'll buy a subscription and you'll get a free drink at a HOOCH venue every day. The venues are extremely limited, so a majority of the people reading this won't find any value in that plan. Dining is just as rare.
Their referral system appears to be pretty generous. They're currently offering a $5 bonus for each friend you refer, as well as a 20% bonus on their earnings for life. Here's my referral link, if anyone cares enough to click it.
Here's the downfall of HOOCH:
You can only cash out for gift cards, and the minimum is $25.
For most people, this is a really big disadvantage of this app. Assuming that most people will only be earning through the 1% cash back brands, the minimum you'll need to spend in order to his the cash out minimum is $2500, which would likely take most people a really long time, since the brand options are not places where you're likely to spend a lot of money frequently...like, for example, a grocery store.
But still, you could probably earn yourself a few free gift cards every once in a while for a totally passive app.

Butter

Canada Only!

The ability to earn cash back with Butter is currently only available to Canadians. If you're in the US and you're interested in Butter, you can still use their limited US friendly version here. Canadians, don't use this link!
Butter is a service that allows you to track your ongoing subscription services while earning cash back from them 100% passively. When you sign up for Butter, you'll link your bank account/cards and it will automatically help you track your subscriptions (think Netflix, Dropbox... almost anything, really) by telling you how much you're spending on each. This actually seems like something I could really benefit from, because I just recently discovered a subscription that I totally didn't realize I was paying for for the last 6+ months. You'll also earn 1% cash back from each subscription Butter tracks.
I would provide a list of the subscriptions that you can earn cash back, but according to butter, the "list is in the 1000s."
You'll earn your cash back automatically by Interac e-Transfer once your cash back balance is over $25.
$25 is a steep minimum, but if you're someone who either has a lot of subscriptions or has some expensive qualifying subscriptions, it might not take too long to reach the minimum.
Since I'm not Canadian, my experience with Butter is very limited. You can read more about how cash back works in their help threads here.

Bumped - Sign up & join waitlist!

Bumped is an investing app, when you really boil it down. When you sign up you'll select one brand in each category (there are a lot of categories, you'll see below), and each time you shop at the selected brand, you'll earn the certain specified purchase back in the form of company stock. This is unique to all of the other apps on this list, because you're actually receiving company stock. Also, because of this, I think it's very important to note that in order to sign up for Bumped you'll need to enter your SSN since you will be opening up a brokerage account.
As of posting, the following are the category options that you can choose from:
I've bolded the brands I selected. Obviously you should pick a brand that you can find yourself using the most. Do note that if you pick a brand that you might want to change later, you'll get the opportunity to change your brands 3 times a year, at least 30 days in between.
Category Options
Burgers 3% at Jack in the Box
3% at McDonald's
3% at Wendy's
Coffee 2% at Dunkin' Donuts
2% at Starbucks
Drug Stores 2% at CVS
1% at Walgreens
Family Dining 2% at Applebees
2% at Chili's
2% at Olive Garden
2% at Red Robin
Grocery 1% at Kroger Family of Stores
Home Improvement 1% at The Home Depot
Mexican Food 2% at Chipotle Mexican Grill
2% at Taco Bell
Music Subscriptions 1% at Pandora
5% at Spotify
Pizza 1% at Domino's
5% at Papa John's
2% at Pizza Hut
Superstores 1% at Target
1% at Walmart
Telecommunications 1% at AT&T
1% at T-Mobile
3% at Verizon Wireless
Video Subscriptions 1% at Netflix
5% at Sling TV
Vineyards 1% at Willamette Valley Vineyards
One thing that is listed on the app is that if you want to move your way up on the waitlist you can refer your friends to join the waitlist as well.

Uber Visa Local Offers

Shop or dine out, get Uber credits back.
Use your Visa card next time you dine out or go on a shopping spree at a featured store and earn Uber credits toward future rides. To join, go to settings in your Uber app and tap on Visa Local Offers.
Whenever you shop out at certain places you'll instantly receive uber credits to your account. It's really simple, and yes, this does stack with all of the other cash back apps you might be a part of.
The brands they offer do change semi-frequently, so you should check them from time to time.
In the past there have been 100% cash back offers for streaming services, and 10-20% cash back at Sam's Club. Considering that these offers do stack, there is some really great potential if you find any value in uber credit.
If you're interested in activating the Visa local offers, you'll need to make sure you have a visa card linked to your Uber account first, and then you should see "activate local offers" in the app settings or payment settings of Uber.
There's really not much to say about Visa Local Offers, but if you're looking for some FAQ/Terms, feel free to check them all out here.

Groupon+

Groupon+ is a card link program introduced by Groupon that will automatically earn you cash back when you shop at select local restaurants.
The program is pretty easy to understand, but it isn't completely passive. In order to receive cash back at the local restaurants, you'll first need to activate the offer. So for example, I have an offer for 20% cash back at Dairy Queen (10% cash back after first purchase).
For reference, here's the offer in question. Once I click claim, the offer will automatically be applied to my credit card that I have linked (you'll need to link a credit card/debit card the first time you try to claim an offer). Now that it's claimed, when I go into this dairy queen location and spend with my linked card, I'll automatically receive a rebate after my purchase. What's great about Groupon+ is that the rebate will instantly go as a credit/debit card statement adjustment. So if I'm getting 10% cash back somewhere and I spend $18, I'll automatically see an addition of $1.80 on my credit card statement. It's pretty satisfying.
Note: The location you claim does seem to matter. For example, linked above is a Dairy Queen location in Joliet, IL. It appears to be that I'd only receive the cash back at this dairy queen location. For me if I search Groupon for "dairy queen", I'll find a ton of groupon+ offers (some of them different!) for many local Dairy Queens. Just make sure you've selected the right location if you're earning from a chain restaurant.
Overall I think Groupon+ is worth checking out. Just note that a lot of the options will be for local businesses.

Cash App "Boosts"

For those if you who don't know what Cash App is, Cash App is an app by Square that lets you send and receive payments. They've also expanded their app to support bitcoin purchases, and they'll also let you use the app as a checking account. With the cash app you can also sign up to receive the Cash Card, which is a debit card that is funded with your cash app balance.
If you have not used Cash App before, they do have a fancy referral program where when you sign up and send $50 you'll receive $5 and so will I. I do want to make this very clear: Cash App referrals can see the full name of the person who refers you, and the person who refers you will have your full name shown to them. If you're really private about personal information, be careful whose referral link you use. If you trust me, here's my referral link.
Please note that if you want to use the cash app boosts that I'm talking about, you'll need to be 18 years old and have the cash card (which is free, don't worry)!
Cash App announced that their cash card will be seeing 'boosts'. Boosts are their fancy way of saying that when you use our card at certain locations you'll receive a discount.
Once you have the cash card, you'll notice on the app below your card you'll be able to select your boost. The following are my personal boost options, as of posting. The boosts change frequently,
  • 15% Off Doordash
  • $1 Off Any Coffee Shop
  • 5% off Whole Foods
  • 10% Off Buffalo Wild Wings
  • 10% Off Little Caesars Pizza
  • $1 Off Panera
  • $5 Off Any Purchase (requires using the card 10x to activate)
  • 10% Off Chipotle <3
  • 10% Off Dairy Queen
So there are quite a few things I want to say & clear up.
  1. You can use a boost every 1 hour.
  2. You must select the boost that you'd like to use prior to the purchase. AFAIK you're able to swap which boost you want to use as often as you'd like. So when you walk into Chick-Fil-A, just check and make sure your boost is set to CFA. If not, swap it.
  3. In order to apply the boost, you must pay with the Cash Card. It's automatic. If your total is $6 and you're saving 10%, you'll only need a Cash app balance of $5.4 for the transaction. Cash App will cover the other $0.60.
  4. If you link your Cash Card to Apple Pay, you can pay with it that way and the boosts will still be applied.
  5. This is important. If you have a boost applied, it won't expire. I'll repeat this. If you have a boost applied, It won't expire. So if Square wants to remove your beloved Chipotle boost, it'll stick with you until you decide to swap from it. If you really like it, don't swap! Do realize that just because you have the Cash Card on the app, you won't see the boosts. You need to have the physical Cash Card in your possession for the boosts to show up.
I've been really enjoying using the Cash Card for purchases. Especially at CFA & Chipotle. It's really not a hassle. When I'm standing in line at Chipotle I'll open the app and make sure my cash app balance is enough and if not I'll just add funds right away. The boost is applied immediately which makes you feel good. It's like the guac is free at Chipotle after you use the cash card. The only downside to using the Cash Card is that you won't be able to stack discounts with anything else on this list... Unless you find a way to link the Cash Card to any of the things on this list. Regardless, 10% off at Chipotle is the best I have found.

Empyr Apps

I've listed this as "Empyr Apps" because all of these apps are basically just the same thing. I'll take the example of Swagbucks Local since that's what most of you reading this will already be using.
If you paid attention in the Visa Local Offers section of this post, you'll find that the Empyr apps are actually very similar to those visa local offers.
When you shop at a certain store/restaurant, you'll earn with the empyr app you have linked. It's actually really not that special.
Here's a list of some/most of the current Empyr powered apps:
IMPORTANT NOTE: You're only allowed to use one Empyr app at a time! As soon as you link up with another Empyr app, you'll be disqualified from another until you link back up.
I do want to go into this list a bit this time around since there seem to be more and more Empyr apps popping up.
Dosh might be the most popular of these apps right now. Dosh has nice referral programs as well as sign up bonuses that makes it very enticing. Dosh also has very decent cash back at the stores they offer.
Swagbucks Local will always be popular among Swagbucks users. What's really nice about Swagbucks Local is that the payouts are always instantly converted to Swagbucks, which can help you cash out sooner. You'll also likely get a slot in the Swago board filled out, which might be beneficial to you.
Pei is a really cool new app on Empyr that offers cash back at a lot of places you likely shop at. I talk about it above.
RetailMeNot is a newer one on this list and it's the only one here that I feel like I recommend you go on/off with. RetailMeNot has recently been doing a lot of "Spend $X, get $Y" deals at a lot of the stores they offer. For example, they are currently offering $5 Cash back for in Store purchases of $30+ at Staples. This is a really good deal for an Empyr app, and would probably be my pick for that transaction, but not most of the time since they don't have very many stores as options.
I personally choose Dosh as my Empyr app. Dosh has a lot of funding, which allows them to offer some very generous offers from time to time.

CoinSeed (Ref | Nonref)

CoinSeed preface: I don't recommend CoinSeed as an option solely for passive cash back. The app has monthly fees, and even for just $1 a month, it will cut either entirely into your passive cash back earned, causing a net loss, or it'll take a huge cut. Only use CoinSeed for passive cash back if you actually want to use CoinSeed.
CoinSeed originally released about a year ago as an app similar to Acorns, where you're able to passively invest money by setting up a recurring investment or invest through 'rounding up' transactions. What makes CoinSeed different from Acorns is that they will take your money and invest it into cryptocurrency. Just recently they have also added a cash back section to the app which allows you to earn points in the app each time you spend at certain locations. Before we talk about the cash back from this app, I want to talk a bit about what you're getting yourself into.
Since CoinSeed is an app like Acorns, they're expecting you to use the app to invest money. If you're reading this and you're actually thinking that you'd be interested in using this app to invest into Bitcoin, there are a couple things I think should be pointed out. 1. There is a 1% fee taken from each deposit. 2. There is a fee of $1 per month that you use the app. Your first month is waived, so the fee will only kick in on the second month. The wording is confusing, but it seems like the fee will only apply if you deposit and invest in the given month. So let's talk about cash back.
Similar to many apps on this list, you'll link your cards to CoinSeed and that's how they'll track your transactions. CoinSeed actually has two different cash back offers. First of all they offer regular portals in the app. For example, shop at through our link and earn cash back! The reason I think this is important is because currently they're offering 2% cash back at Amazon.com when you shop through their link. Cash back is uncommon enough to find at amazon, but what's great is that the only restrictions listed is, "Doesn't apply on Gift Card." Which makes me think that so long as you're buying anything other than gift cards, you should be eligible for the 2% cash back. I've reached out to CoinSeed to clarify exactly what they mean by that (whether or not it is referring to just Amazon gift cards or third party gift cards as well).
The other offers on the app, which they call "Premium" are the passive cash back options, meaning that every time you spend at any of the brands listed, you'll earn cash back. Here are the options that are currently available:
  • Uber (1% cashback)
  • Netflix (1% cashback)
  • Starbucks (1% cashback)
  • 7-Eleven (1% cashback)
There's one issue, though. When you try to activate the premium offers, a popup will appear saying, "Sorry, this feature is only available for users who have made an investment using the auto investing feature." What this is essentially saying is that in order to earn cash back from premium offers you must invest with the app.
CoinSeed seems to want to emphasize that the cash back is only a benefit of using their app to invest in crypto. For most people, investing in crypto can be near feeless using alternate methods, and in my opinion this app really doesn't provide many/any benefits that would make me want to even consider using this app for the heavy fees that they take. You would need to be spending a lot of money with their cash back retailers in order for the 'I'm only here for the cash back' route to even start to sound viable.

Credit Cards

I've refrained from listing credit cards on this post for a long time. Maybe because I thought it was too obvious, or maybe it was unnecessary, but since the number of younger people using this subreddit has been increasing I feel like I'd be doing a disservice to entirely disclude a blurb about credit cards.
If you have a credit card and you don't really care to learn more about credit cards, just skip this section. If you're reading this post and you're 18+ (or if you're about to turn 18) and you don't have a credit card or don't know much about credit cards, I think it's a good idea to look into them. I'm not going to tell you exactly what a credit card is since that's an easy google search, but I will tell you about some benefits, especially about those that pertain to the benefits of this post.
Credit cards are great because you can essentially spend money just like you normally would*, but you'll also earn cash back on all/almost all of the purchases you make with them. Additionally, especially if you're young, getting a credit card is a really great because it will start helping you build credit. I'm currently looking into renting a house next year with two housemates and I'm shocked to see that neither of them have any credit. They quite honestly couldn't possibly live in a house without me, since I'm the only one who has credit.
*Make sure you're paying off your credit card every month (or however often you need)... Don't let yourself get into debt. I'd argue if you think you're going to get into debt with a credit card, I'd personally suggest you don't get a credit card.
While you need to be 18 years old to get your own credit card, if you're under 18, you can still start gaining credit. Most major credit card companies will allow your parents to add you as an authorized signer on their credit card (which basically just means that you'll get permission to use their cards). An effect of this is that you'll start gaining credit. If you're looking to build up credit but you don't think you're ready for a credit card, I'd really recommend you ask your parents about becoming an authorized signer. It's a good conversation to have with your parents.
Anyways, let's talk about the cash back benefits, since that's what this post is about, after all.
There's a lot of credit cards. This post isn't going to list them all out. This isn't really even the right subreddit for credit card discussion.
Nerdwallet has a great list of credit cards, so you might want to check it out here, but I'm going to share my own personal situation and recommend that for anyone who might relate, since the average age on this subreddit is around the 18-25 range.
My first credit card was the Chase Freedom Unlimited card. I actually still use this credit card very frequently since it's a pretty balanced card. A couple years back on my 18th birthday I went into my local chase branch and physically had to beg for this card (it's a really beginner card, trust me). After getting denied both in bank and online, I finally found a rep who would give me a calm $500 credit limit for the card. Note: I had no credit before hand.
The Chase Freedom Unlimited card offers 1.5% cash back on all purchases with the card... so when you think about it, I'd previously been spending $100 at Chipotle every month with my debit card, but with the Freedom Unlimited card, I would now be getting 1.5% cash back ($1.50) back on those purchases. It's just an easy way to save money on everything.
If you use the other apps I suggest in this post, you'll likely earn cash back passively from them on certain brands that are featured, but stacking a credit card cash back on top of all the other bonuses is the absolute best way to earn passive cash back since it's usually 1-5% cash back on your purchases.

ReceiptPal

ReceiptPal is an app that allows you to upload your receipts from almost anywhere that you go shopping. It's actually a really simple process.
When you sign up you'll be presented with almost little scratch cards which contains 4 spaces. Each space is filled with a receipt that you upload. Once you reach 4 receipts, you'll earn 100 points. 300/400 points = $1, so basically every 16 receipts you upload you'll receive ~$1.
"So, mr Fishering, how is this passive!?"
Unlike most receipt apps, ReceiptPal allows you to link your emails and amazon account and they'll automatically upload receipts for you. I actually let this app alone for several months and came back to thousands of points and cashed out instantly.
If you make purchases online, you'll essentially be earning ~$0.07 for every purchase you make if you have your email linked. They'll automatically find receipts and submit them, so it's 100% passive earnings.
If you also shop IRL you can submit physical receipts as well.
You can cash out instantly for $5 minimum in the form of a gift card. I'd recommend saving up at least 7,500 points for a $25 gift card, since it'll value points at 300/$1.

Paribus

Paribus is not your typical cash back site. Once you sign up you can link your different accounts (such as your amazon account) and it will automatically track your shopping. Paribus doesn't directly earn you cash back... it acts more like Walmart's saving catcher if you've ever heard of that. If an item you buy somewhere goes on sale shortly after or if there's any other discounts/promotions you may have missed when you originally bought something, they'll quietly get you a rebate on whatever you purchased. It can be very hit or miss. The catch is that they do take a cut of your savings. I believe it is 30% for all new users, but for each member you refer you can cut the cut by 5%. If you save $10, they'll charge you $3 to whatever card you have linked.
Personally I've found it to be really hit or miss, but I've found some incredible savings. I bought a gopro and I got $15 saved with Paribus, and I also got $50 back from some really nice headphones I picked up on amazon from Amazon. What's weird is I bought the headphones like 6 months prior to the rebate. Was shocking to see it, but I've really had some good luck with Paribus.

Sift (iOS | Android)

After the last post, I noticed a lot of people enjoyed Paribus, so I figured it'd be good to add some alternatives in this post.
So, here's Sift. Sift is a similar site to Paribus, and its key focus is on enforcing credit card benefits that many people don't know about. It's actually pretty nice. It'll let you pick your credit card and it'll tell you pretty much everything about your card. I have the Chase Freedom Unlimited card, and I was actually shocked to hear some of the benefits my card has that I have never been taking advantage of.
From Sift's site:
We automatically comb through your credit card policies to show you all your benefits in one place. For every purchase we let you know what benefits you are eligible for. We streamline the claim process to make it as simple as possible to get your money back.
You can link your emails as well as your amazon account as well and they'll make it really easy for you.
I have not actually used Sift much myself, so I cannot attest to how well it works, but the app store reviews are generally positive for Sift.

Trim Savings

Trim is similar to Paribus and Sift, but there's a certain void that it's trying to fill that the other two don't really seem to be filling.
Trim's main selling point is its bill negotiations. Instead of trying to save you money when a price drops, they're going to try and just nip it right in the bud and try to get your bills lower.
Right now they're mainly trying to negotiate with cell providers, internet providers, and cable providers.
Here's how the process goes:
  • Submit Your Bill: Submit your most recent cell phone, cable or internet bill to get started.
  • Trim Negotiates: Trim negotiates with your provider to get you discounts on your bill.
  • You Save Money: Trim takes 25% of annualized savings, but only on success—otherwise, it's free!
So, similar to Paribus, Trim does charge a fee. In a sense, I guess that's a good thing because it gives them an incentive to make sure to get some sort of bill decrease for you so they'll make some money too. Their rate is currently 25% of your bill negotiation. Of course, if they're not able to negotiate your bill for you, you won't pay them anything.
Trim does also monitor your bank account for you and they'll notify you of account changes (that you can set). For example, if they see a transaction worth $xxx, they'll notify me that I've made a large transaction. If there weren't already so many other sites/apps that could do that, I'd say that's a great feature that Trim offers.

Conclusion

Hopefully there's some new apps/sites you found out about in this post. If you sign up for some/all of these programs listed, you should probably find yourself earning some pretty decent cash back, depending on where/how much you spend. These apps are very satisfying to watch your balances build up on, and after a while it's very rewarding to cash out and treat yourself.
Since the last version of this post, I have removed a lot of shitty offers, that aren't really worth anyone's time. I removed Samsung Rewards since it's been devalued to a point that using their app solely for rewards isn't worth it at all. Samsung rewards is only valuable for non-passive offers that they occasionally have.
In this update I added some really great additions, but did remove a previous favorite, Spent, which is currently offline. I'm ready to edit the post if anything changes with Spent, but it's seeming more and more unlikely since the app did go so downhill so fast.
As always if you have any questions please do leave a comment or send me a PM!
Thanks for reading!
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BitCoin / CryptoCurrency available on RobinHood Buy Sell ...

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