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For the first time, sending money across borders is just like sending email or sharing photos: free and instant.

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Payments can now be sent between US dollars, British pound sterling or euros instantly and there are no fees at all and zero FX markup on exchange rates if sent using Circle. Whether paying back a friend or family member, sending some funds to your child or family member overseas, or chipping in for a trip — sending funds in the US, UK or Europe now works the same as sharing a photo, text message or email.

Funds are sent for free and arrive instantly.

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This is a significant new benefit for Circle customers. It also represents a disruption to the entire consumer cross-border payment market.

Prices and profit margins for payments are collapsing to zero, in the same way that the price of communications and information publishing collapsed to zero in the first phases of the internet. Understandably, people will be asking how Circle can make this possible. How can a business afford to remove any fees for sending money around the world?

More on that below.


European growth momentum Circle continues to rollout in Europe with significant growth in the past year. Product updates Circle also introduced a range of product updates that ease how customers can get started, share and use Circle with friends, make larger payments, and receive money faster.

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Customers can now receive payments into their bank accounts even faster through the introduction bitcoin marketplace uk near-instant withdrawals in the UK barclay bitcoin trading Faster Payments to UK bank accounts, and same day withdrawals into most European bank accounts via SEPA withdrawals.

Customers can now sign up and use Circle in seconds using a Facebook account. Customers wanting to send larger payments thousands of pounds, euro or dollars can now more easily do so without significant delays, with instant bitcoin marketplace uk to higher limits for most customers, and once again, with zero fees and no FX margin or markup.

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While many finance bitcoin marketplace uk support Touch ID for additional login security, Circle now supports using Touch ID to authorize each payment and withdrawal, eliminating the hassle of two-step verification codes for those who prefer this form of security. Making payments instant, global and free: how do Circle make this possible?

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Circle bitcoin marketplace uk founded on the vision that open protocols were emerging for the storage and transmission of cumpărați pc cu bitcoin, in the same way that we have protocols for sharing and moving information and data over the internet. Originally inspired by Bitcoin and its underlying blockchain, these technologies have matured to the point where we can now make this possible.

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Last December we announced Spark, an open source project that enables consumer digital wallets to bitcoin marketplace uk together seamlessly over the internet. Spark is an evolution of our core infrastructure for transactions, currencies, identity, risk and all the business rules that leverage them. Spark is built on Ethereum and can run on private and public ethereum blockchains, while being designed for compatibility with other DLT technologies and runtimes.

Spark provides a smart contract container that enables wallet-to-wallet transactions within and across currencies, including native digital assets as well as digital fiat assets digital dollars, euros and other currencies.

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We hope it will become a global centerpiece for sharing value on the internet, in the same way that email and other consumer services seamlessly bitcoin marketplace uk from country to country online. Crypto assets and Circle trading Over the past several years, Circle has put in place a treasury and trading operation that ensures that its customers can beam money between currencies instantly and for free.

A big part of that involves actively trading in the digital currency market. As Circle prepare bitcoin marketplace uk rollout Spark with more partners in more geo-currency zones, the company has significantly expanded its crypto asset trading activity.

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Circle actively trades and provides significant market liquidity for bitcoin, ether, xrp and increasingly nascent tokens and ICOs. With the recent explosion of interest in digital assets around the world, this activity has expanded, and Circle is actively taking on more and more trading counterparties.

Circle intends to continue to be at the forefront of this market maturation phase.

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We continue to build connections with other p2p payment apps using blockchain technologies that will enable these experiences all around the world and across all major currencies. This is a massive and multi-year project and something we have been committed to and working on since our inception.

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Just as the internet entirely commoditized information sharing, data sharing and communications, we are on the cusp of that commoditization happening in consumer payments. Bitcoin marketplace uk a rapidly growing customer base and the launch of Circle throughout the US, UK and major European countries, we are beginning to share more details about new products in consumer finance integrated with the Circle consumer experience.

Our innovations in social payments, blockchain technology, digital asset investment and trading markets, and machine learning-based risk bitcoin marketplace uk, are leading us toward exciting initiatives that can truly revolutionize bitcoin marketplace uk consumers can access credit, share value with each other, and save and invest their money.


Our view has been that payments and spending accounts will become a global commodity on the internet, replacing traditional bank accounts and leading to new types of experiences rooted in mobile social and messaging behaviors. And these accounts will be built on global open protocols for value exchange.

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We believe the same technology drivers that make payment utility a free service will also create opportunities to radically transform the time value of money, creating new models of lending and credit and new avenues for saving and investing. These new models of saving and investing will be built on blockchain tech and point toward an open, borderless and software-powered future for consumer finance.

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