Hey guys in this video, I talk about the Telcoin (TEL) cryptocurrency, my Telcoin price prediction, and my Telcoin review 2018.

Telcoin is a cryptocurrency distributed by your mobile operator and accepted everywhere. In this awesome video guys I explain why Telcoin has so much potential and is one of the best cryptos for 2018. I go over Telcoins vision, technology, chart analysis and team. I touch on how to buy Telcoin and where to buy Telcoin. I evaluate Tel coin ico crypto and make my Telcoin price prediction and it provides a very nice Telcoin review 2018. Thanks for watching, Have an amazing day!

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Vinay Gupta is the founder of Hexayurt.Capital, a fund which invests in creating the Internet of Agreements. He was instrumental in creating the Dubai Blockchain Strategy, project managed the Ethereum blockchain platform release, and invented the hexayurt refugee shelter. His areas of expertise include disaster management, energy policy, and computer graphics.

Find out how TNO works on the development of blockchain technologies on https://blockchain.tno.nl/

Chapters:

00:00 - Intro

00:39 - Matt Peterman: 20 year history in private equity fund management,

02:22 - Tom is also a founder of Adacta Group

03:42 - InsurePal: A next generation of peer-to-peer insurance

05:01 - Studies confirm that highlighting positive norms

05:42 - Insurance based on social proof gets 30% less claims.

08:19 - Early adopter of blockchain technology:

09:22 - InsurePal’s Initial Token Offering & Crowd-Sale

10:44 - An ICO with Governance

John McAfee said on Twitter that InsurePal is one of the most creative ideas he has seen in the social media token arena, and we agree that this ICO (Jan. 16 2018) which is offered not from a start-up but experienced team of insurance, PE and IT veterans, surely stands out due its filed social proof patent and disruptive potential.

InsurePal CEO Matt Peterman has a 20-year history in private equity fund management and has spent the last 5 years in insurance fraud detection. Co-Founder Tom Volk is also a founder of Adacta Group, one of the leading IT companies in Central and Eastern Europe with 27 years of experience in developing and implementing business IT solutions and employing 450 professionals.

InsurePal has set out to disrupt the global $7 trillion insurance market with a new blockchain-based model using "social proof" methodology. The challenge with the insurance industry lies not only in their structural inefficiencies (30% of premium is used for antiquated back-office, systems, marketing), but that "good, diligent and responsible clients are over paying their premium (up to 80%) on the account of the bad ones":

* $45 billion lost annually just in the U.S & Europe because of fraud

* 10% of all claims are fraudulent

* 65% of all fraudulent claims go undetected

* Premium leakage (misrepresentation of real risk) is 15% or $29bn p.a. globally

* The top 1% of insured end up overpaying their premium up to 80%

* InsurePal aims to reduce fraud, overpricing, premium leakage and offer major savings

InsurePal has designed a next generation insurance based on social proofing (or, in other words on peer-to-peer endorsements), fully harnessing the power of blockchain innovation. They work on a self-regulating platform, merging the know-how of a classical insurance and innovation of a social proof peer-to-peer endorsements on blockchain, which work on as a principle of a third-party deductible. Risk-prone individuals will be automatically excluded or motivated to change behaviour, and so InsurePal can offer significant cost reductions.

The fact that a person is prepared to give another an endorsement with an imposed financial obligation gives the insured client a much greater credibility. At the same time, it also motivates him/her to act more responsibly, knowing that the financial burden of their unwanted behaviour will be felt directly by their endorsers.

Apart from insurance experts, the InsurePal team is made up of dedicated blockchain experts with a track-record of successful crypto projects.

InsurePal's Initial Token Offering & Crowd-Sale Jan. 16 2018:

* Filed-for-worldwide-patent innovation brings relevant advantage

* Peer-to-per-model enforces responsibility and self-regulation

* Smart contracts used for premiums and claims adjustment

* Millennials are often obliged to pay tremendously high premiums in different lines of insurance. At the same time, their affinity for technology is reshaping the marketing space, and 30% of millennials would rather invest $1,000 in Bitcoin than in government bonds or stocks.

To continue, InsurePal's ICO comes with higher-than-average Governance and a unique competitive advantage through their filed-for-patent innovation: All third-parties wanting to adopt the social proof methodology in insurance will be obliged to use InsurePal platform solution.