Multi signature wallet with Electrum
Download wallet from
There is a single point of failure of using HW wallet.
This tutorial is for 3 cosigner with 2 signature
3 Cosigner = Electrum wallet/ LedgerNano/ Keepkey
Therefore one HW can be backup of the other.
Start the app and you will see the screen below
You can choose the degree of security here.
Create a new seed (1: Electrum wallet co-signer)
Cosigner with hardware device (2:LedgerNano 3: KeepKey)
You will be asked for a password (If you set) for the Cosigner 1: Electrum wallet
Below is if you chose Ledger to cosign
This is for Keepkey to Cosign. You should be familiar if you have used KeepKey before otherwise it looks like this below.
I found multisig with 2 hot wallets here.
Thank you to the Youtube channel "Hodl Hodl".
This is how to setup brave browser to accept tip.
I assume you already have brave, if not install it. It is a great browser.
Yes it is affiliate link. :) If you do not want to use the link and please go to
I will show you how to get the link along with the setting up below.
1: Setup Uphold
Go to the link and do KYC. I know we all hate KYC but you have to do what you have to do.
It will look like below after setup and signin. You can do many things with uphold such as lend and earn interest and they also have credit card now. I will skip it for now.
2: Setup Brave Creator account
3: Connect uphold, twitter, Github, Website, Youtube etc.
All set now!
It will look like this below, I already connected to uphold and added twitter and Github to accept tipping.
But wait, you have to verify your account by clicking "Add Channel".
You can check your status from the brave logo in the search box. Make sure you are opening the page that you are verifying.
This is non-verified account below.
It took me about 20 hours.
How to tip
1: You can see triangle brave logo on twitter
2: For Github and other website which has no logo, and you click brave logo in the right side of search box. It should be next to brave logo.
3: If you click "SEND A TIP" and a banner will come out.
You can edit the banner here.
How to get referral code.
Sign in Brave Creator
or go to
You can see in the screenshot above which is blue part says "Referral stats". I have done so that it looks like this now but you can click and get the referral code.
4: Send me a tip here!
It seems nicer than pasting my ETH or BTC address ;)
First you will be asked KYC including DOB, address, photo verification to be able to use any function.
1: Deposit/Withdrawal (earn interest rate)
BTC 6% interest rate per annual upto 5BTC, 3.2% for 5 <
For more detail
2: Loan function
Collateral = BTC
LTV (Loan To Value) 50% = 12.5% per year
LTV 35% = 10.44%
LTV 20% = 6.73%
3: Trade function
I always have a doubt using 3rd party app for deposit since the case of exchange/ 3rd party app hack.
Good thing about BlockFi is relatively high interest rate. 6% BTC, 4.5% ETH which is higher than MakerOasis DAI saving rate (0% now but 6 - 8 in regular case).
Maximum collateral amount is 50% e.g. 1000USD collateral to borrow 500USD but with high interest rate. it can go as low as 20% collateral.
This can be used to obtain small amount of DAI without going to exchanges such as Binance, Bittrex etc.
24h Trading volume as of April 5 2020 is about 1m USD with WETH and DAI pair.
There is no trading volumes for other crypto asset.
If you are wondering how to gat WETH (Wrapped ETH), it is at the end of this post.
1: Go to
The screenshot is "Market" tab
2: Connect to Metamask
Ledger and Trezor option looks like coming soon.
I bought DAI here
You can convert ETH => WETH here just pressing "Wrap".
There is also "Export" to save your trading history so that you can work on your tax.
Compound, Ethereum platform DeFi application:
Compound is a platform to earn interest and borrow cryptocurrencies.
This is a walkthrough of what it loos like to use.
Current market size screenshot as of April 5 2020, 114m USD total supply, is not big.
Earn interest by locking ETH (or other asset you choose) as collateral
1: Go to
2: Connect to your wallet
I am using Metamask for this walkthrough.
Current market asset and APY (Annual Percentage Yield) below, 0.01% interest by collaterizing ETH.. Not much. 2.07% for DAI
3: Click Ether to deposit
Collateral factor: Percentage of asset collateral price that you can borrow
e.g. 1000 USD ETH collateral = you can borrow 750 USD of asset.
It is different each crypto asset.
e.g. Augur = 40%
For more info:
Metamask or your connected device will ask you to confirm the transaction.
The screen it looks like this now. Yes I deposited only a little.
That's it. I can earn 0.01% of annual interest now.
Additionally, this is what it looks like to borrow.
Click Dai in the "Available to borrow" and you will se below.
APY is 4.24%.
I have disabled as collateral at the end of this tutorial and withdrew to Metamask.
Tezos staking with Ledger hardware wallet tutorial:
Tezos website: https://tezos.com/
You can estimate how much you can earn by staking here.
Other staking coins list is below.
Tezos staking with Ledger
Here is the walk through what it loos like.
1: Get Tezos (XTZ)
Buy at exchange
2: Install Tezos app on ledger live
3: Create account
4: Send XTZ to your account
5: Start staking
6: Choose stake pool
Annual interest is about 5% - 6%, this is probably the most important part.
Here is the link for some source of pools
You can see the delegation on Ledger live now. First payout is in 40 days.
This is what looks like after a month. Staking reward every 2-3 days.
I am not going through how to operate staking pool but here is the link.
Check "Bake (Validate)"
Developer installation: https://assets.tqtezos.com/docs/setup/1-tezos-client/
These are other applications from MakerDAO.
Maker Governance. This is a voting system as MKR token to be used as voting power.
(I am using ledger HW and choose "Ledger legacy", you can also choose Metamask etc)
These are how to connect with ledger
This is how much GAS costs for each execution at the time of writing.
0.00021864 ETH = $0.03 USD
I skipped this below as I don't have MKR.
This is what it looks like now. I will go through each tab.
Executive: Important proposal such as governance. You can't vote without MKR.
Polling: Other proposals.
I managed to vote without MKR.
Module: Kill switch in case of emergency which requires 50,000 MKR to burn
(Total circulation, 1,005,949 according to coinmarketcap.com). This is possible if MKR isn't decenterized enough? I don't see the point though other than wasting money.
Voting contract: To lock MKR in the voting contract
I will need to get MKR and lock here to vote on executive governance vote.
This is to upgrade SAI to DAI. You have nothing to do if you don't have SAI.
You will need to upgrade in case of future change.
3: SAI CDP Portal
You do not need to do anything here. This is for someone previously collateralize SAI and need to upgrade to DAI.
Information about SAI and DAI:
This is a tutorial for how to acquire DAI and deposit to earn interest rate (However it is 0% currently due to DAI shortage.
Maker website: https://makerdao.com/en/
1: Go to:
and click "Borrow" and you will see the page below
3: Connect to your wallet
I am connecting to ledger nano S in this tutorial.
4: Open Ledger and choose Ethereum app
I assume you know how to use ledger nano S here.
4: Choose Ledger Legacy
Note: Choosing ledger nano does not show the Ethereum address which I have some ETH even though unlocking and openings ledger live app.
5: Create vault and deposit ETH to borrow DAI later
This takes some time, follow the instruction by the app and
(5): Make sure to your ETH app on ledger nano allows contract data which is in setting and choose click approve for each contract to execute such as "Deploy proxy" and "Set allowance".
6: You will see the window below, skip it for now
This is what looks like now.
7: Borrow DAI
Click "Get started" and choose ETH-A in the next page. You can also choose BAT and USDC
8: Decide how much to borrow based on liquidation risk
Make sure that current ETH price and liquidation price is not close.
I chose 10ETH (1400USD= current ETH price of Apr 2020, 140USD x 10) collateral and 500 DAI to borrow and the liquidation price is 75USD/ETH.
9: Now the vault is created and the detail below
This is the overview below.
You can see that liquidation penalty is 13% of the collateral.
10: Deposit DAI
(Note that it is not a good idea to borrow DAI and and and save the DAI as there is 0% interest rate for deposit and you will be paying interest by borrowing.
Borrowing rate per day as of now = 500 USD => 500.014309258276524579 USD)
Deposit and choose the amount.
However DAI is having an issue currently and the interest rate is 0% (It is about 8% previously), lower the stability rate is 0.5%. Please see for more information from the link below.
The overview looks like this now.
Case study: Liquidation
Liquidation Penalty = 0.13 (13%)
Amount of collateral ETH = 10
Current ETH Price = 140.634 USD
Liquidation price = Amount of DAI borrowed * 1.5/ Amount of collateral = 75 USD
Amount of DAI borrowed = 500 USD
Collateralization ratio = Amount of ETH * ETH Price/ Amount of DAI borrowed = 140.634*10/500 = 2.81268
Collateralization ratio > 1.5
Liquidation, lets say collateral auction did not go well, just enough to cover the borrowed amount in other word lose all the collateral. I should have some left over back to my vault though this is the worst case scenario.
Collateral price = Amount of collateral ETH * ETH Price = 1406.34 USD
I have 500 USD of DAI
If I bought ETH with the borrowed DAI
Amount of DAI borrowed / ETH Price * 75 = 266.65
If I did not borrow in the first place
Amount of collateral ETH * Liquidation price = 750
Potential leftover = Amount of collateral ETH * Liquidation price * (1 - Liquidation Penalty) - Collateral price sold at auction
= 652.5 - Collateral price sold at auction
For more detail: https://community-development.makerdao.com/
11: Close vault
First you need to pay back the DAI debt by pressing "Pay back" button.
If you do not have enough DAI and you will need to buy some from exchange or "Trade" function in the Oasis app if it is small amount.
This is a walkthrough of Oasis trade:
Withdraw the deposited ETH
Bitcoin network application
How to start
I am using browser web as easy to install.
Home screen below
My account tells me to renew the ID (created about 2 years ago) so that I am going to show you how it went below.
It is free to use if your id is xxxxx.blockstack
The ID renewal costed 0.001768 = 16.1 USD
0.0000252 network fee = 0.23USD
Segwit address to non-Segwit, it took only few seconds for the transaction!
(1BTC = 9133USD as of March 7 2020)
It is probably cheaper than paying for a domain and email per account for traditional corporate web email service but it is free to regular use of @gmail.com.
After update, 673 days of extension (730-57)
Gmail like UI and easy to use. There is also D-Drive which file can be saved. I have to say it is extremely slow, it took me over 10 seconds to load existing folders.
I can't see this will replace existing email service but can be used something. Let's see.
Please send me a message to hiro.id
Libra testnet on Linux (Kali linux)
1: Github Link
2: Open terminal and install CLI
git clone https://github.com/libra/libra.git
3: Launch testnet
git checkout testnet
I have done it before so that terminal displays as above
4: Installing dependencies, this takes several minutes depending on your network
(5): Start CLI (This attempt showed error)
As you can see and also as I expected it appeared error.
I deleted existing Libra folder and reinstalled by step 2 - 4.
(I have installed Libra November 2019 and can still see quite updates on the Github repository, no surprise it didn't launch after 5 month of updates)
5: Start CLI
(It took me about 20 mins)
6: Use Libra with CLI
Help command below
7: Libra CLI sample
What I did below is
1: account create
2: account list //to check account number = index 0 and address as shown below
3: account mint 0 100 // minted 100 coins at account 0
4: query balance 0 // check account 0 to see 100 coins
5: create account // created again so that I can send the coins
6: account list // now you can see 2 accounts
7: transfer 0 1 30 // transferred 30 coins account 0 to account 1
8: query balance 0 // to check balance
9: query balance 1 // to check balance
It is simple to use and built with Rust. It seems secure with the limited function and the security of Rust language.
Libra project isn't hyped as much as before but it is still actively updated on Github as of today, March 7 2020.