The first thing to note is that the name Ripple belongs to the company behind the cryptocurrency. So, the cryptocurrency is XRP, although people often refer to the coin as RIPPLE.

Ripple’s XRP and Bitcoin are both cryptocurrencies, digital alternatives to currencies issued by governments, but there are variations between them. They differ in their objective, creation, and the cost and time involved in carrying out a transaction using each one.

Although bitcoin remains at the top of the pile in terms of market cap and adoption rates, altcoins continue to surge ahead thanks to growing adaptability and varied applications.

Bitcoin vs. XRP
The bitcoin network is based on the blockchain concept, a public ledger of verified transactions and record-keeping. Miners verify transactions on an ongoing basis and add them to the bitcoin blockchain, which serves as a ledger for all network activity. In exchange for their time and computing power, miners are rewarded with BTC upon successfully validating certain quantities of transactions.

XRP, on the other hand, is a technology that is mainly known for its digital payment network and protocol. Aside from the cryptocurrency, XRP, Ripple is perhaps even better known as a payment settlement, asset exchange, and remittance system that works more like SWIFT.

Transaction Validation
Instead of using the blockchain mining concept, the Ripple network uses a unique distributed consensus mechanism through a network of servers to validate transactions. This enables almost instant confirmations without any central authority, which keeps XRP decentralized and faster and more reliable than many of its competitors.

While the bitcoin network is accused of being energy-hungry due to its mining system. The Ripple system consumes insignificant power owing to its mining-free mechanism.

Processing Times and Costs
It takes 10 minutes to confirm a transaction on the Bitcoin blockchain and may be associated with high transaction costs. XRP transactions are confirmed within seconds at low costs. BTC has a total supply of almost 21 million crypto coins, and XRP has a total of 100 billion pre-mined crypto coins.

Mining and Circulation
The crypto coin release mechanism is different for both BTC and XRP. While bitcoins are released and added to the network through mining, a smart contract controls the release of XRP.

Ripple planned to release a maximum of 1 billion XRP tokens each month as governed by an in-built smart contract; the current circulation is over 50 billion. The remaining XRP coins in a singular month will be moved to an escrow account. Similar to the bitcoin transaction processing fee, XRP transactions are charged.

Each time a transaction is performed on the Ripple network, a small amount of XRP is charged to the user. The primary use of XRP is to facilitate the transfer of other assets. A growing number of merchants also accept it for payments in a way similar to accepting bitcoin.

Real-World Applications
While bitcoin is being used by more individuals and organizations as a virtual currency, the Ripple payment system is more popular among banks. The Ripple network comprises more than 200 financial institutions, based in more than 40 countries, allowing for easy cross-border payments.

Closing Nuggets.
The Ripple system is loved for its faster processing time and lower transaction fees. On the other hand, BTC is more popular than XRP, giving it an upper hand. Bitcoin remains a public system that is not owned by any individual, authority, or government. While the Ripple network is owned and operated by a private company with the same name. Despite both having their unique cryptocurrency tokens, the two popular virtual systems cater to different uses.

If your aim is to join the league of crypto-owners, but you have a truckload of unanswered questions on the nature of digital cash. It is a good idea to gather as much information on Cryptocurrencies as you can before choosing an exchange or trading platform. This guide will give you an in-depth view of the world of cryptocurrencies and how to get started trading.

Let’s dive in.

What is a crypto-currency?
Cryptocurrency, like the name suggests, is a form of currency created using cryptography. Which makes it nearly impossible to counterfeit. Cryptocurrencies like Bitcoin are popular because they are decentralized. In other words, banks and governments don’t control access to the currency.
On the other hand, fiat currencies are more easily manipulated by governments and banks. There are several Bitcoin alternatives called altcoins.

Is cryptocurrency legal?
The answer to this question depends on what corner of the world you are in. But, in most countries of the world, Bitcoin and other virtual currencies are perfectly legal. Although a handful of countries have placed an outright ban on buying, selling, and storing cryptocurrency. But before you buy any cryptocurrency, you should check if your country permits it.
It is worthy of note that every country has a different approach to regulating cryptocurrency activities. Be sure that you are not violating any rules surrounding taxation, compliance, or an outright ban.

Is cryptocurrency safe?
Life, in its very self, is filled with risks. To get the most out of it, one has to be willing to grab the bulls by the horns. That said, there is a varying degree of risk that comes with trading cryptocurrencies.
For instance, if you forget the password to access your bank account, you simply call customer support for a reset or use the self-help option, and all is well again. Now, if you forget or lose the private keys that give you access to your crypto, no one can help you.
But trading with a reputable exchange checks this risk factor — it requires trust, but you are not at risk of losing your private keys. With the right security measures in place, you are more likely to have any of your other online accounts hacked than you are to have your money stolen.

Is cryptocurrency anonymous?
Let’s just say you are like a needle in a haystack. This is because your name is not connected to your crypto-wallet address.
It is just a string of numbers and letters on the blockchain. It does not mean that you are entirely invisible.
You are simply pseudonymous (think of it as having a pen name) because you have a sort of on-chain identity. It is not just your birth name, house address, office address, and stuff.

Is cryptocurrency valuable?
Is value not what we make of it? Your local currency has value because your government said so. Basically, value is a shared belief.
Just like with anything valuable, the value of cryptocurrency itself was assigned by people. In other words, something has value if people believe it does.
This is true whether the object of value is a precious metal, a piece of paper, or some bits in a database. Because cryptocurrencies (Bitcoin especially) are a scarce digital commodity, some argue that Bitcoin may act as a store of value in the future, similar to gold.

Are all digital currencies cryptocurrencies?
The answer here is a big fat NO. You might have heard about countries and central banks working to create their own versions of digital currency. Often referred to as central bank digital currencies (CBDCs).
These are essentially digital versions of fiat money and do not enjoy most of the benefits of cryptocurrencies. Because they are issued and declared a legal tender by a government, and typically do not use a distributed ledger, such as a blockchain, to keep their records.
You might also have heard about Facebook Libra, another type of digital currency. .All activity on it will be run and managed by an association made up of a few selected members. On the plus side, it is planned to be built on an open-source blockchain system.
However, it would not be permissionless such as Bitcoin or Ethereum, meaning that participants would need more than a simple Internet connection to use it.
So, despite CBDCs and other digital money that may use blockchain or cryptography, they are quite different from cryptocurrencies such as Bitcoin.

Crypto Market size.
Globally, crypto acceptance continues to rise, but that does not paint a clear picture of how many people own cryptocurrencies or actively trade or spend them. So, here’s some data from research carried out by the prestigious Cambridge University.
Over 139 million crypto wallets Only 38% of wallets (about 52.8 million) are considered active.
52% of crypto companies work 2+ sectors The number of cryptocurrency companies operating across two cryptocurrency industry sectors or more, giving rise to an increasing number of universal cryptocurrency companies.
84% of providers support more than one coin Multi-coin support by service providers has doubled since 2017. Over 84% of providers now offer support for more than one type of coin.

BITCOIN.
It would be improper to finish this guide and not mention Bitcoin, the very first cryptocurrency that started it all.
BTC remains the gold standard for all cryptocurrencies. As people continue to adopt bitcoin for their local and foreign transactions. It is by far the most popular and valuable cryptocurrency, and many crypto traders choose to start trading crypto with it.

Closing Nuggets.
It is safe to say that Cryptocurrencies have revolutionized money and transaction patterns. Whether Bitcoin will replace gold in the digital age or become a secondary system existing as a niche market.
One cannot say with certainty what will happen to crypto markets even a year from now. The only truth is that there are growth potentials.
Patricia offers a free account that allows you to trade Bitcoin and other digital assets.
Create Your free account now or download the app to get started

After the pandemic struck the world in 2020, there was an increased amount of cryptocurrency interest stemming from Gen Zs, who were in fact, in their prime when bitcoin started in 2010.
Before the pandemic, a survey showed that millennials and adult-age Generation Z bought into the idea that digital money will transform the future of money, which, according to popular belief, is already present.

A UK survey found that “20% of affluent millennials — the ones born between the years 1980 and 1996 — invested in cryptocurrencies, compared with just 3% of the general population.”
An online Blockchain Capital poll found out that 60% of people from the ages of 18–34, which makes up both the Gen Zs and millennials, were familiar with bitcoin, compared with 43% overall.
But how do we make these crypto dabblers into converts? Results show that their belief lies more in stock investments and foreign exchanges, thereby there’s not a lot of outright believers.

Although digitally advanced, there is the need to convince some of them that the future of wealth accumulation and investment in crypto.
Maybe COVID-19 had something to do with serving as an agent for change in the minds of these generations.
Despite the loss of jobs and lives, making economic decisions will forever shape the future for decades to come, long after the Gen Zs and Ys no longer dominate.

Will these decisions be in favor of the next generation unborn? Will the sitting-on-the-fence on crypto decisions attitude prevail until we no longer have to use the word ‘money again?
The future decisions that matter will be those of Gen Zers and millennials, who together account for more than 60% of the global population. I see their decisions leading them to bitcoin.

You may not think you are participating in a revolutionary experience when you pay for your subscriptions with bitcoin using the Patricia refill service. But since the advent of fintech, short for financial technology, the financial services industry has been turned on its head.
Fintech has been used for many of the newest technological developments — from payment apps like PayPal even to cryptocurrency. In combining the latest technology with financial services, fintech has helped businesses majorly start-ups to disrupt the industry and provide better financial services to businesses and individuals alike.

SO, WHAT IS FINTECH?
Fintech is a term used to describe financial technology. It’s an umbrella term for any technology used to augment, streamline, digitize or disrupt traditional financial services.
Fintech refers to the use of advanced technology to provide financial services to consumers and businesses from buying and selling cryptocurrency, to authenticating electronic payments, to rendering financial aid. The global fintech market is expected to reach $310 billion by the end of 2022.

FINTECH VS TRADITIONAL BANKING; WHAT IS THE DIFFERENCE?
While traditional banks are generally focused on the interests of their shareholders, fintech promotes the needs of its consumers. This raises the bar for traditional banks, but it also provides opportunities for banks themselves to leverage this valuable technology.
By investing in start-ups or partnering with them to provide innovative products and services to customers, traditional banks are taking advantage of fintech for better services.

BUSINESS-TO-BUSINESS (B2B) FINTECH SERVICES
These are designed to help businesses work to serve each other more efficiently. And this technology is disrupting many different sectors, like cash management.
For example, CoralPay’s innovative payment solution has successfully incorporated the integration of Unstructured Supplementary Service Data (USSD) payments on Point of Sales, otherwise known as “USSD on POS” and on the e-commerce websites “USSD on Web”, allowing Bank and mobile money operator’s customers to use their respective shortcodes to pay for goods and services whilst addressing the challenges of ‘card not present transactions, safety, card network unavailability and reach, in the most unique, safe and convenient way, bridging the gap created by network and infrastructure limitations.

BUSINESS-TO-CONSUMER (B2C) FINTECH SERVICES.
These are tools designed to help businesses provide better services to consumers and/or increase their bottom lines. Great examples of this type of technology are online banks, such as Ally, and even your online banking portal. These technologies have been disrupting banking and other B2C industries for years. Technologies like Paypal fall into this category as well.

CONSUMER-TO-CONSUMER (C2C) FINTECH SERVICES.
This type of service is designed to help consumers interact with each other. One of the best examples of these services is Venmo. This technology has revolutionized the way people exchange money. Rather than trading cash or checks, consumers can send money directly to each other, instantly and with no charge. Even Google has made inroads in this space by allowing Gmail users to attach cash directly to emails. Technologies like this are changing how we manage our finances by reducing our dependency on physical cash.

FINTECH EXAMPLES
So how is fintech being used in 2021, and what are some of its traditional uses?

1. Crowdfunding Platforms
Companies like GoFundMe and others are an example of the range of fintech outside of traditional banking.
Crowdfunding platforms allow internet and app users to send or receive money from others on the platform and have allowed individuals or businesses to pool funding from a variety of sources all in the same place.
Instead of having to go to a traditional bank for a loan, it is now possible to go straight to investors for support of a project or company. And while their applications range from family and friends funding to fan and patron funding, the number of crowdfunding platforms have multiplied over the years.

2. Blockchain and Cryptocurrency
Cryptocurrency and blockchain are hallmark examples of fintech in action.
Cryptocurrency exchanges like Patricia connect users to buying or selling cryptocurrencies like bitcoin. And while cryptocurrency and even blockchain may be somewhat controversial uses of fintech, they have certainly taken parts of the investment world by storm in recent years.

3. Mobile Payments
It seems as though everyone with a smartphone uses some form of mobile payments. In fact, according to Statista data, the global mobile payment market is on track to surpass $1 trillion in 2019.
Using increasingly sophisticated technology, services have emerged that allow consumers to exchange money and payments online or on mobile devices like the Patricia refill service, etc.

CLOSING NUGGETS
Fintechs are revolutionizing how much is sent, saved, budgeted, and even spent. Before now, we all had to use piggy banks for savings and navigate excel spreadsheets/journals to keep track of our finances. But after the fintech revolution prompted the development of financial services apps, now we can easily and efficiently keep track of our income, expenses, savings, and even investments using tools that have revolutionized the way we think about our money.

With the global pandemic, worldwide market uncertainty, travel restrictions, and lockdowns, there’s just one asset that saw a major rise in Bitcoin.
With the post-pandemic era, crypto-assets continued to pop up every now and then as compared to the pre-pandemic value, especially with start-ups and retail investors joining the crypto train.

Looking at the long run, analysts have postulated that the price of Bitcoin could touch $100,000 by 2022.

Bitcoin was introduced to provide an alternative solution to present-day financial defects, and of course, the digital coin’s value was at $0. In 2010, after the Bitcoin Pizza transaction, people attributed Bitcoin as a currency used to buy goods and services.

Bitcoin became more popular in 2013 and reached $1000, which rose significantly to $19, 000 after the second Bitcoin Halving took place.
However, in 2018, its value dropped to about $5000 at the beginning of 2020. Up until now, there have been two events that have affected Bitcoin’s value. One of them is the global pandemic and the second is the third bitcoin halving event of May 2020.

Global pandemic: When this occurred, bitcoin became insurance against economic upheaval which came as a result of the COVID-19 pandemic. Major investors like Tesla and others put their trust in bitcoin.

Third bitcoin halving: Bitcoin halving is the process of halving the rewards of mining bitcoin after each set of 210, 000 blocks have been mined. This event occurs every four years, and the rewards of bitcoin are cut in half.

The result of the third halving caused the mining price of 12.5 to be reduced to 6.25 BTC in May 2020. This reduced circulation of bitcoin, which set off a high demand.

After the October 2020 rally, the value of Bitcoin crossed $20,000 in December of the same year, $40, 000 in January 2021, and finally hit $50,000 in February 2021. As of the time of writing this article, the value of Bitcoin is $57, 074.

The question is will Bitcoin hit $100,000 by the end of this year? This is only a speculation by analysts, who believe that with the current rate of inflation, it is possible for the digital currency to go over the moon in the nearest future.

To learn more about crypto trading, visit our website or download the Patricia mobile app. Also, follow us on Instagram and Twitter to keep up with crypto news and other fun stuff.

Money has evolved, from using cowries as a means of exchange to initiating trades by actual exchange (trade by barter), to regular fiat currency (USD, Euro, Pounds, Naira, etc).

Since crypto has been around since 2010, it has influenced many industries and created a means of employment and advancement for companies to thrive. Not forgetting the empowerment it has had on the educational sector- schools now adopt crypto as means of payment in some parts of the world.

Industries across the world are maximizing blockchain to solve business problems, this is because the decentralized feature makes it possible to associate directly with the finance industry.

A recent study revealed that crypto could impact many industries all over the world and with each new day, there have been noticeable changes and impact in these industries, which includes: the creative industry, music, movie, healthcare, human resources, as well as small businesses.
While understanding how these work to inspire growth, solve problems and make transactions easier, we will also be making an impact and influencing other industries to join the bandwagon and foster new companies and ideas that challenge the norm.

With more people and industries delving into the digital currency space, there’s no doubt that the future of money is here and we’re prepared for it.
To learn more about Bitcoin trading, visit our website or download the Patricia mobile app. Also, follow us on Instagram and Twitter to keep up with crypto news and other fun stuff.

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The most anticipated time of the year is here again. It’s BLACK FRIDAY!
And we’re jumping on the trend because we’re big on making our customers happy.

The Patricia Black Friday sales will feature amazing deals, flash sales, low rates and price slashes on BTC, gift cards, and Patricia Luxury Debit cards.

BTC RATE SLASH
Between the hours of 12noon to 6 pm, we will be giving our customers 6 hours of amazing slashed rate on BTC! That’s not the catch! Different rates will be announced EVERY HOUR FOR 6 HOURS!!!

GIFTCARD
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There will also be amazing deals on gift cards. You can buy something for your family, friends or that special someone this season.

PATRICIA LUXURY DEBIT CARD

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We want all our customers to experience the luxury of transacting with ease, so our Patricia luxury debit cards can be ordered for FREE!
You also get free delivery when you make a request for the Patricia Luxury Debit Card within the black Friday hour�

Deals will run on the 27th of November 2020 and will last for 6 hours.

Trade, Buy or Sell BTC and Gift Cards to enjoy amazing deals, rates, and slashes with Patricia; everywhere go burst that day.

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There must be at least a thousand barbing salons in Lagos, but amongst them stands a barbershop that has carved a niche for itself, through exceptional men grooming service delivered in a professional yet friendly environment.
The story of Kayz barbershop is a familiar yet distinct one. Owned by Kufre Nnah popularly known as "KAY", an indigene of Akwa Ibom State, who moved to Lagos fifteen years ago after being unable to gain admission into any of the Nigerian Universities. In a recent chat with Patricia, Mr. Kufre, CEO Kayz barbershop, shared his pains, gains, and life nuggets.

Kufre Nnah (ceo Kayz barber shop)
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The Inspiration behind Kayz Barbershop.
On getting to Lagos, Kay realized the business of owning a barbing salon was a different ball game in comparison to how it was run in UYO, where he had previously owned a small barbershop. He started Kayz barbershop in 2012 after seven years of learning and relearning business dynamics as a barbershop employee in the Lekki area of Lagos.


Most Memorable experience with a celebrity?
This question had Kay beaming with smiles, as he recounts the most generous act of financial measures a celebrity once bestowed on him. Refusing to mention who or what amount he was gifted, Kay, however, disclosed that the unexpected kind gesture was over a million naira, sent to his bank account as a token of kindness.

Other dream jobs?
In his own words, Kay said: " I was aspiring to be an engineer, that was my dream before I became a barber".

The hardest thing about being a barber?
“Well, the stress of standing all day and going from house to house rendering home services coupled with the lack of respect for one's labour as a barber. Nigerians often look down on you for being a barber, one has to develop a thick skin to the insults and just suck it up”, Kay said.

Biggest Celebrity you've styled?
Kay names Atlanta rap trio Migos, Washington DC rapper - Wale, Congolese Soukous musician - Awilo Logomba amongst others, as the biggest celebs he's had the pleasure of working with.

The funniest rumor you've heard about yourself?
His first response was a short laugh before he went on to recount how an old client who suddenly stopped coming in for his regular hair cuts for a long while, walks into the store and he (KAY) asked why the client went elsewhere to get his haircut for as long as he had. This client of his went on to say rumor has it that he (Kay) was "using jazz to cut hair" as they deemed him (Kay) too successful for a barber. This piece of information drew bouts of laughter from Kay's employees who were present at the salon. When asked why he came back to Kayz barbershop, the client said he was driving past the shop when he saw the same person who had told him the rumor, coming out of Kayz barbershop sporting a new haircut.

Kay, in his closing remark, advised anyone aspiring to be in his shoes to have a high-level of tolerance, perseverance, and patience, as the road to being a successful barber is plagued with disappointment, an unfair judgment of character, and what not.

Recently, Africa witnessed the appointment of the youngest CTO as the continent's fastest-growing e-Commerce firm, Patricia technologies, makes history as the very first organization in Africa to appoint a CTO (chief technical officer) in his twenties.

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The office of the chief technical office (CTO) is the highest technology executive position within a company and leads the technology or engineering department. This position is straddled with the responsibility of developing strategies for using technological resources in alignment with the company's business needs.

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Benjamin Oyemolan, a graduate of Computer Science from the prestigious University of Lagos., joined Patricia Technologies in 2018, as a CIO/IT director. His elevation to CTO (chief technical officer) came as no surprise to his colleagues who already admire his skills, intellect and personality and largely because Patricia is home to some of the brightest minds who were also employed under 30. The company celebrated his appointment amidst pomp and cheer from his colleagues who were excited for what the future holds for Patricia.


The new CTO who is currently running a master's program is set to take Patricia technologies to new technology and innovation heights, as the company continues to lay the blueprint for Africa's e-commerce future.

Recently, Africa witnessed the appointment of the youngest CTO as the continent's fastest-growing e-Commerce firm, Patricia technologies, makes history as the very first organisation in Africa to appoint a CTO (chief technical officer) in his twenties.

The office of the chief technical office (CTO) is the highest technology executive position within a company and leads the technology or engineering department. This position is straddled with the responsibility of developing strategies for using technological resources in alignment with the company's business needs.

Benjamin Oyemolan, a graduate of Computer Science from the prestigious University of Lagos., joined Patricia Technologies in 2018, as a CIO/IT director. His elevation to CTO (chief technical officer) came at no surprise to his colleagues who already admire his skills, intellect and personality and largely because Patricia is home to some of the brightest minds who were also employed under 30. The company celebrated his appointment amidst pomp and cheer from his colleagues who were excited for what the future holds for Patricia.



The new CTO who is currently running a masters program is set to take Patricia technologies to new technology and innovation heights, as the company continues to lay the blueprint for Africa's e-commerce future.

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Withdrawing money from your Patricia wallet is simple and easy. Once your card(s) is activated, you can transfer or withdraw money from your Patricia wallet to your personal bank account. Customers who are yet to register for the Patricia debit card can also send and withdraw directly from other bank accounts. This feature enables you to have access to your funds any day, any time.

Follow these simple steps to withdraw your funds in no time:
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Azeez Adeshina Fashola, professionally known as Naira Marley has been announced as a brand ambassador of Patricia, Africa’s leading cryptocurrency and giftcard trading app by Patricia Technologies. At Patricia, you can buy, sell or store your bitcoin and that not all, Patricia also introduced the Bitcoin debit card, a card that allows you to withdraw cash from ATM’s around the world, spend bitcoin at malls, restaurants, online, etc.

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Naira Marley was officially unveiled on the brand’s social media pages on Friday, July 10 with a series of social media posts and a live session with Naira Marley.

The live session had all marlians step forward as the president had a special announcement to make.

When asked why Patricia and if he was willing to take bitcoin for his performances, Naira stated that Patricia was a safe, secure and convenient platform for trading, not just bitcoin, any form of cryptocurrency, giftcards and digital currency and Yes, President Marley would accept bitcoin for his performances.

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The fans and lovers of the sensation Nigeria Music artiste had “NoMannaz” for Twitter yesterday as they put the President of Marlians ontop on the twitter trend with #NairaMarleyJoinsPatricia…”MAFO”.

Naira Marley signing is one alongside some of Nigeria’s top celebrities such as Zlatan, Mercy Ike, Tacha, Lasisi Elenu, Jackeye, Omashola, Pocolee, Janemena, Isabella Georgewill, Baba Alariya, Small doctor, Oluwadolarz, Ashmusy, Erneh, Mr. Funny, DJ Dimple Nipple, Thacutegenminme, Sandra Benede, Mr. funny, Home of lafta, Mummy's little girl, Brakinface, Amazu, Cindy Adaeze, Mimicko and Nedu for the #PatriciaEvolution Campaign.

The campaign is tailored to create awareness for the Patricia as the “safest and fastest way to trade Bitcoins, giftcards and other forms of digital assets”

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So what are you waiting for, join the evolution team today and start trading Bitcoin the Marlian way. To get started, download the Patricia app from your Google play store or IOS store.

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Yes at Patricia, we know old keys never open new doors, you don't have to see the world the same way you've always seen it. Don't allow yesterday's financial limitation beliefs to dictate the story that you live out today. Your world will never be different until you first see it differently and start trading bitcoin with Patricia.

Here are five reasons why you should be trading bitcoin now- the new keys to your financial success!

Bitcoin trading is more volatile than stock trading.
Bitcoin is traded 24 hours per day 7 days a week.
Bitcoin allows for big trades with low overhead.
Bitcoin is the most liquid form of cryptocurrency.
Multiple trading opportunities emerge within a 24 hour period

Watch: https:[url]//www.instagram.com/tv/CBidV_jBnjK/?utm_source=ig_web_copy_link[/url]

To get started, download the app on google play or IOS store to buy, sell or trade bitcoin with Patricia

Bitcoin is certainly the most traded and talked about cryptocurrency, but there are thousands of other coins available for trading. You’ve probably heard of ‘blockchain’ or read about it due to the rising value of Bitcoin near the end of 2017.

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Bitcoin is the first blockchain-based cryptocurrency in the world. It is considered the most widespread and successful. The first real price increase occurred in July 2010 when the valuation of a bitcoin went from around $0.0008 to $0.08 for a single coin.

The original premise of bitcoin was to become peer-to-peer electronic cash that could disrupt some existing fiat currencies.

Have you ever tried to learn more about it and how it works? In this episode of Patricia learn, we will focus on the value of trading and investing in bitcoin.

Bitcoin and other digital currencies have been touted as alternatives to fiat money. Bitcoin has the characteristics of money (durability, portability, fungibility, scarcity, divisibility, and recognizability) based on the properties of mathematics

1. Scarcity: Bitcoin is scarce like gold. “Bitcoin is unique not only because it is digital, but because it is scarce and available for anyone to use.”
2. Utility: Bitcoin's utility as a store of value is dependent on its utility as a medium of exchange. Like fiat currencies, Bitcoin is not backed by any physical commodity or precious metal.
3. Transportability: Bitcoin is transferable between parties within minutes. Bitcoin has better transportability than other digital Mediums of Exchange (like Paypal) due to a lack of a central authority,
4. Durability: As Bitcoin doesn't exist in physical type, it can't wear out like paper or coins. Transferable – Bitcoin is digital and so you can transfer it to anyone, anyplace in moments. Fungible – any explicit Bitcoin is equal in worth to the other
5. Counterfitability: There is no such thing as a "counterfeit bitcoin" that can be copied.

With Patricia, you can now use Bitcoin for your everyday life, Pay Bills, renew Subscriptions using the Patricia luxury bitcoin card you can even withdraw money off ATM machines worldwide.

As Bitcoin becomes more globally accepted, we would see the rise in Value and Use cases of Bitcoin.
Get started with Bitcoin today... [url]Visit www.mypatricia.co[/url]

According to recent global data, Africa is expected to experience a sizable growth in cryptocurrency by 2022 with the bitcoin market booming across the continent and crypto exchanges. The market experienced a sizable growth last year and the first quarter of 2020 and just like every other market, investors, existing users, and new users are now coming on board and putting more faith in the coin now more than before- Why aren’t you?

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Bitcoin in Africa has increasingly come into focus with statistical insights with an increase in trading volume, an increase in newly-funded wallets, etc. At Patricia, see across the board the entire industry experiencing a boom since the beginning of the year.

Everything that happened with COVID-19 has increasingly improved the trading of Bitcoin in Africa with strong resilience in digital assets, particularly Bitcoin, and an increase in interest from web searches asking about it and shifting transactions away from paper money and stimulating plenty of quantitative easing to favor independent stores-of-value such as gold and Bitcoin.

At Patricia, we experienced a buying boom from retail investors as digital payment services are the next big thing in global e-commerce growth with the appropriate technology, consumer demand, and corporate champion.

The adoption of Bitcoins as a means of payment would boost the adoption of blockchain technologies above and beyond the current niche uses, as well as breach the barriers to entry in the e-commerce market. This is why the multi-purpose Patricia Luxury Bitcoin Card is a must-have as it enables users to make fast, safe and convenient payments from the Patricia Bitcoin Wallet from anywhere in Nigeria with your Patricia Luxury debit card using a POS or any ATM Machine.

Patricia strives to deliver the needed growth as we realize the benefits of blockchain-based digital that can be traded by anyone with a Patricia account and it also accommodates large account holders.

PATRICIA as a leading fintech solutions provider that is leveraging blockchain and digital technology to usher Africa into the digital age with financial and payment innovations in the financial industry in which it operates. Patricia is an undisputed leader in Bitcoin’s unregulated derivatives market with

Got a Patricia account? Sign up at www.mypatricia.co or download the Patricia app on Google play or App store.

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In the cryptocurrency world, Patricia is the mother of all inventions. Do you have a Patricia Bitcoin account? Then this multi-purpose Patricia luxury bitcoin debit card is a must-have.

Patricia; the largest Bitcoin and digital assets payment solutions company in Nigeria introduces her luxury bitcoin card to customers for easier and safer transactions. Now you can worry less about cash and make fast, safe and convenient payment from your Patricia Bitcoin Wallet from anywhere in Nigeria with your Patricia Luxury debit card using a POS or any ATM Machine.

What are the features of the Patricia Luxury Bitcoin cards?

• Chip technology. The microchip that is embedded in your credit card encrypts the sensitive data that’s needed to make in-person payments. When compared to other cards that entail just magnetic stripes, this chip technology makes it harder for the card to be copied or counterfeited.
• Physical card details. Your unique credit card number, three-digit Security security code, signature panel, hologram, and account name on the card all combine to help keep it secure. The Security, in particular, adds a layer of security to online transactions.
• Expiry date. Credit cards expire at regular intervals so as to reduce the risk of fraud. When your card expires, a new card is sent to you with updated details upon request, including a new card number and expiry date.
• Fraud monitoring services. Many card providers have specialized teams dedicated to monitoring cardholder activity for fraud, and any irregular transactions are immediately detected and investigated. Patricia is no exception with our customer relations team and anti-fraud team, we constantly keep in place security measures to verify your transactions.

What if your Patricia card is lost, stolen, or used for fraud?

If your account is compromised, it’s important to contact Patricia’s customer care helplines as quickly as possible. Our 24/7 customer carelines will help protect both your bitcoin wallet and your identity in the eventuality of any incident.
Follow these three steps to secure your bitcoin wallet:
Notify Patricia within 15 minutes to report a card as missing and immediate blocking of the card.
Request for an emergency card replacement anywhere in the world, and usually within 48 hours.
Activate your card on any ATM or Pos Machine to get access to your Patricia Bitcoin Wallet.

The Patricia luxury bitcoin debit card is simple, transparent, and easy to use anytime, anywhere in the world. Download the Patricia app on Play Store or IOS store or visit www.patricia.co to access any of the Patricia services- Bitcoin, giftcards, Refill, etc.

Trade Bitcoin and Giftcard with Patricia
To reach Patricia Customer Service you can call 08143610872 or 08168279770. If you’re overseas, kindly send an email to hello@patricia.com.ng

How to Trade Bitcoin
To Send or Receive BTC on Patricia, you need to:
Click on “Wallets” on your Dashboard
Select Bitcoin Wallet
Proceed to send or receive BTC
To Buy or Sell your BTC, you’ll need to:
Click on “Trade BTC” at the bottom of your screen,
Select either Buy or Sell to proceed with your trade.

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How to Buy Data or Airtime on Patricia with Bitcoin
First, select Bitcoin as your Primary wallet, (click on wallets and select BTC wallet as default wallet to do this) ,
Go back to your App home and click on “Refill”,
Click on either “Airtime Purchase or Data Subscription” to make your purchase,
Fill in the information to proceed.


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How to Purchase Giftcards with your Bitcoins on Patricia
(This can only be done on the website, for now, as there is no Gift-card transaction on the mobile app yet)
Select your Bitcoin Wallet as the primary wallet.
(To do that, go to wallets and choose Bitcoin Wallet as the default wallet).
Ensure your Bitcoin wallet is funded
Go back to your dashboard and click on “Products”,
Click on “Gift-cards”,
Select “Buy Gift-cards”,
Select the Gift-card you’ll like to buy and the value of the card.

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How to carry out Cable Subscription (GOTv & DSTV) on Patricia
First, select “Bitcoin” as your Primary wallet, (click on “Wallets” and select BTC wallet as default wallet to do this)
Go to your Dashboard,
Click on “Refill”,
Select “Tv Subscription”.
Select either “Internet or Cable Tv” (depending on your preference),
Fill in the necessary information to proceed.
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How you can spend Bitcoin with the Patricia Bitcoin Luxury Debit Card
Before a user sets to use his | her, Patricia Debit Card, the user has to change his/her default wallet to a “Bitcoin Wallet”.
To do this:
Go to your Dashboard,
Click on “Wallet”,
Select “Bitcoin Wallet” as your Default Wallet (So only your Bitcoin Wallet will be debited when using your Card and not your Naira Wallet).
However, when a user decides to check his | her total balance while using the card, the balance shown there would be inclusive of both balances on his | her Bitcoin and Naira Wallet.
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Fejiro Hanu Aigbodje, the Chief Executive Officer and Founder of Patricia Technologies Limited is only 24 years of age. He formed the E-commerce/Fintech company simply known as Patricia when he was only 22 years of age in 2017.

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Barely two years into the business, the young man has built the company into a multi-billion naira venture and a leader in its right in the industry it operates.

Unlike many young CEOs who inherited wealth and businesses from their parents, Hanu has only his uncle to thank, but not by being blessed by a huge sum of money.

“I had an uncle who visited Nigeria, who used to give me an iTunes gift card. I didn’t own an iPhone, so I literally had no use for it, so I tried to find where I could exchange this for real money. I couldn’t find any local company doing that and I ended up getting scammed of the card. At that point, I realized I had stumbled on something. I figured if I had this problem, a fleet of other persons would most likely have the same problem and that was the birthplace for Patricia,” he had said in an interview.

Hanu Aigbodje was born in Warri, Delta State on November 16, 1995. He was raised in three different cities of Nigeria, namely; Warri, Lagos and Portharcourt.

He attended Prime International School for his nursery education between 1997 and 1999 before enrolling in Royal Heritage for his primary education between 1999 and 2005. Both schools are in Warri Delta State.

Later on, he moved to Prime International School, also in Warri but was only able to do his Junior Secondary School education between 2005 and 2008 before proceeding to Immanuel International School, Portharcourt, Rivers State, to complete his secondary education (2008-2011).

He did his basic studies between 2011and 2012 at the University of Portharcourt and studied mathematics and statistics at the same university (2013-2018). He is an Urhobo man from Udu local government area of Delta State.

While he was having his tertiary education Aigbodje had his eyes set on owning his own business. Even before his graduation, he had set up his company, Patricia which has become a big player in its sector.

Technology and E-commerce/Fintech company, Patricia.com.ng simply known as Patricia, has set agenda for itself – to make Nigeria, and indeed Africa cashless and fully digital in the next few years.

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The company, which was established in 2017 under Company Allied Matters of Corporate Affairs Commission (C.A.C) is said to be first of its kind in Sub-Saharan Africa.

“First, it’s not a claim, we self-birthed this industry in Nigeria. We are building a legacy on what everyone turned a blind eye too. The Crypto and Giftcard market came alive because of us. Ultimately, we are glad to have shone the light for more to follow,” the company noted in a recent interview.

Patricia is said to have totally changed the landscape. In 2019 it became the first company to let users, literally withdraw Bitcoin from ATMs or spend at POS machines nationwide. Then in 2019 alone, Patricia Technologies Limited processed over N10 billion in transaction volume, having specialized in trading digital assets – assets, meaning an entity that holds value, purely digital and not physical.

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The company it was learned has been into selling and storing of bitcoins and buying and selling of gift cards; they have a device which can help customers find any lost item called “HANK”; there’s also a product known as Patricia Refill which allows users convert airtime to cash; and PatriciaPay, a payment solution where users pay with bitcoins and so much more.

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The company also recently launched a new brand called Room 19, a high-end fashion brand, which is a gateway to huge malls housing major fashion brands. With Room 19, they want to test the prototype of PatriciaPay, a solution that lets users make payment with Bitcoin.

An Information and Communications Technology firm, Patricia.com.ng, has introduced a new e-commerce solution into the Nigerian market.

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The innovative service allows individuals to swap gift cards for cash while also giving them the opportunity to send gift items to loved ones in the United Kingdom, the United States of America, Canada, and some selected African and European countries.

The ICT company, which recently opened an online luxury clothing store, has been described by industry watchers as one of the fastest-growing e-commerce firms in Nigeria and Africa.

Speaking at the launch of the new service in Lagos, the founder of the firm, Hanu Agbodje, said that they would continue to come up with innovations that could make life easier for Nigerians through technology.

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He said, “The ICT has opened up a world of possibilities for small businesses like ours. It has allowed us to offer more services than ever for a fraction of the price of what it would have cost before.

“The good fortunes of the ICT-driven businesses sprinkles across the economy in terms of contributing to infrastructural development, job creation and youth empowerment. At Patricia.com.ng, we will continue to create innovative services that add value not just to our customers but the Nigerian economy in general.”

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The firm is offering a simple, single entry-point to the company’s specialized card, a system which gives both old and new users instant ability to withdraw cash directly from their BTC or Naira wallets, make POS and web transactions, and as well withdraw cash, do transfers on any ATM machine just like the regular bank’s ATM card smooth and fast.

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The Patricia Card enables the user to carry out instant transactions with no delay or network issues. The users can partake via their Patricia wallet, which enables them to store their bitcoins, save cash, and as well transfer to any wallet both within and outside the eco-system. The company intends to leverage its insights and customer-centric services, engage new customers, and reach new markets and segments. This is in addition to Patricia’s commitment to financial inclusion, focused based product development, and helping to create solutions that enable a more inclusive economy.

“The thing about vision is that it should be ambitious and futuristic, but achievable. We understand that payments won’t (and can’t) change overnight and that there will be a long transitional phase before the world starts to fully transact in digital currencies. That’s why we combine digital infrastructure with existing card processing and Banking infrastructure. This is a necessary step to drive the mass adoption of digital cryptocurrencies.

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With the Patricia card our users all over the world have access to cash, pay bills, makeover the counter or inshore transactions, buy data and make subscriptions, we allow you to spend bitcoin, everywhere and anywhere,” said Fejiro Hanu Agbodje, Founder, Patricia Technologies Limited.

“Bitcoin is contributing to the rapid digital transformation that makes lives more convenient, simpler, and rewarding. We’re the go-to place for bitcoins trading in Africa. And with the Patricia Card, we invite the next generation of global entrepreneurs to join us,” added Mr. Hanu.

Patricia is comprised of a range of award-winning products like Airtime to cash, Refill (data and Dstv subscriptions), and the BTC wallet, products that have helped users in and outside the country access the benefit of financial inclusion, customer satisfaction, and innovation.

To learn more about Patricia’s products and services and how to be part of this change, [url] visit www.patricia.com.ng[/url]

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Change they say is the heartbeat of growth. Growth has been defined as the process of increasing in size, strength, wealth, and population. For business heads, Business Growth is a stage where the business reaches the point for expansion and seeks additional options to generate more profit.

When it comes to expansion and growth, what comes to mind is Patricia, Africa’s fast-rising crypto giant. For most companies, taking bold marketing steps is regarded as a wild goose chase. But for Patricia, taking bold steps is what makes them different.

Patricia has announced the signing of a fleet of huge brand ambassadors to further push the brand’s name in social discussions. They include the likes of Zanku crooner, Zlatan Ibile, ex BigBrother housemates, Mercy and Tacha, alongside tech-leader Jackye and Omashola. Also included are the very hilarious comedians Lasisi Elenu, Crazeclown, Super Creative content creator AyotheCreator, and U.S based fitness trainer, Sandra Benede. The new ambassadors join the likes of influencers like Nedu, Home of Lafta, Mr funny, and so on.

When asked why the blossoming company has decided to go on another signing spree, the Founder and C.E.O Mr. Fejiro Hanu Agbodje quipped, “We know what motivates our audience and users. It’s simple; incorporating social proof. Telling a story that shows your expertise and how you’re qualified to solve your audience’s problem. We are writing and telling our story, our own way. The story of doing the most, the story of belief, the story of growth, and success…”THE EVOLUTION*, from what it was, to what it is now and most importantly for what it is going to become.”

“Patricia’s mission is to change the world: by providing innovative solutions for everyday problems”. At the same time to be a beacon of light to the youths.

It’s important for us to tell our story so young adults hear about what we’re doing so they understand this too, is possible for them.

Help them understand they can make something great out of their lives if they are willing to work for it and do the most,” he concluded.

It may be recalled that companies are beginning to recognize the concept of Influencer marketing as presenting a new business model and an opportunity for building innovative forms of competitive advantage and Patricia is leading that trend.

Gift cards come with bar codes and can also be called serial number

The bar codes can also be seen on the receipt given to the buyer when he or she purchases the card

The code can be used to identify locations, where the card was bought and used last.[/quote]

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Years ago, the office environment was often seen as this formal and uptight space for efficient production. That was before employers started to find ways to motivate their employees and boost their morales in a bid to make them more productive. The current office model space is now filled up with game spots, cool corners, and a more casual-smart dress sense – anything to make it feel informal.

Every day, new innovations are being introduced to take the formal stress off this new office environment. Recently, a Japanese company started paying more money to staff who get a full night’s rest in a bid to encourage higher productivity at work, as it’s been discovered that stress and pressure are not welcome at firms.

Regardless of the constant tweaking this atmosphere and environment, one thing remains constant: THE PEOPLE. A company’s size could range from 2 friends to 100 people depending on how large the organization is. These are often different people from different backgrounds with different personalities that all need to be managed. Research from Gatlin, Wysocki, and Kepner suggests that these differences can lead to challenges in the workplace if they aren’t appropriately addressed.

“Problems can occur over the way that people prefer to accomplish tasks or interact with one another. For example, some workers may prefer not socializing or distractions during certain hours and keep their office door shut while others may see this as unfriendly or even rude behavior.”

Honestly, no matter how friendly an office environment is, the best way to get productivity out of its staff is to identify and manage the various office personalities. Now, I’m going to identify 5 types of personalities you can easily recognize in any office anywhere and how to manage them!

1. The Solo Artist

You might see the solo Artist eating alone during lunch breaks, but you rarely see them hanging out by the water cooler, gossiping with other employees. Their work is well-executed; they’re simply not the type to engage socially or to volunteer to lead team projects. They are often alone when they come to work, they say good morning, go straight to their desk, do their job and go home. They could be friendly but most times their not. They never get personal as being official is the only path they know. Best to leave them to their world most times if you ask me.

2. The Master of excuses

Just like the name suggests, this personality always has an excuse for everything. This Master of excuses has an uncanny ability to disappear whenever they’re not needed and even sometimes when they are. They’re always prepared with an excuse for their behavior—they seem to run into an unusual number of traffic jams, call in sick almost all the time, have a variety of dying uncles, etc. They never run out of excuses as to why they are failing at their job.

3. The Friend of Management.

How do we describe the management’s friend—often called by less appropriate names elsewhere? To put it in the easiest way to understand: “Upper management loves them and employees hate them”. They tend to be the “I too know” or probably the office snitch but an ally you might actually want to keep on your side in case thing goes south. You can get firsthand information from them but never forget that their loyalty will always be to the “realm” and not to you. They could throw you under the bus if the going gets tough around their corner, so be careful.

4. Everybody’s Best Friend

Everybody’s Best Friend is a true extrovert. Prone to office gossip, you’ll find this employee hanging out in the break room, stopping by other people’s desks—basically, anywhere that doesn’t involve attending to their own work. They are easily everyone’s favorite or go-to person. Most times, they are the most welcoming person to new employees. It is important to have this kind of person as a friend as they provide useful information on other personalities for you.

5. Always Grumpy, Always Angry

The grumpy personality is often the complainer, always dissatisfied with everything and every policy of the organization. Always the first to object to rules or ideas without having a better solution. Quick to anger and often in everyone’s bad book. When you see the grumper, as I call them, they are always complaining about one thing or the other. Often egocentric and narcissistic, they never admit to being wrong or making an error but are quick to point out the flaws in others.

These five personalities are always in every office or organization no matter how big or small. The key to getting them productive is learning how to work with them, identifying and managing the flaws and strengths of these personalities as they each add spice to the workflow one way or the other.


Years ago, the office environment was often seen as this formal and uptight space for efficient production. That was before employers started to find ways to motivate their employees and boost their morales in a bid to make them more productive. The current office model space is now filled up with game spots, cool corners, and a more casual-smart dress sense – anything to make it feel informal.

Every day, new innovations are being introduced to take the formal stress off this new office environment. Recently, a Japanese company started paying more money to staff who get a full night’s rest in a bid to encourage higher productivity at work, as it’s been discovered that stress and pressure are not welcome at firms.

Regardless of the constant tweaking this atmosphere and environment, one thing remains constant: THE PEOPLE. A company’s size could range from 2 friends to 100 people depending on how large the organization is. These are often different people from different backgrounds with different personalities that all need to be managed. Research from Gatlin, Wysocki, and Kepner suggests that these differences can lead to challenges in the workplace if they aren’t appropriately addressed.

“Problems can occur over the way that people prefer to accomplish tasks or interact with one another. For example, some workers may prefer not socializing or distractions during certain hours and keep their office door shut while others may see this as unfriendly or even rude behavior.”

Honestly, no matter how friendly an office environment is, the best way to get productivity out of its staff is to identify and manage the various office personalities. Now, I’m going to identify 5 types of personalities you can easily recognize in any office anywhere and how to manage them!

1. The Solo Artist

You might see the solo Artist eating alone during lunch breaks, but you rarely see them hanging out by the water cooler, gossiping with other employees. Their work is well-executed; they’re simply not the type to engage socially or to volunteer to lead team projects. They are often alone when they come to work, they say good morning, go straight to their desk, do their job and go home. They could be friendly but most times their not. They never get personal as being official is the only path they know. Best to leave them to their world most times if you ask me.

2. The Master of excuses

Just like the name suggests, this personality always has an excuse for everything. This Master of excuses has an uncanny ability to disappear whenever they’re not needed and even sometimes when they are. They’re always prepared with an excuse for their behavior—they seem to run into an unusual number of traffic jams, call in sick almost all the time, have a variety of dying uncles, etc. They never run out of excuses as to why they are failing at their job.

3. The Friend of Management.

How do we describe the management’s friend—often called by less appropriate names elsewhere? To put it in the easiest way to understand: “Upper management loves them and employees hate them”. They tend to be the “I too know” or probably the office snitch but an ally you might actually want to keep on your side in case thing goes south. You can get firsthand information from them but never forget that their loyalty will always be to the “realm” and not to you. They could throw you under the bus if the going gets tough around their corner, so be careful.

4. Everybody’s Best Friend

Everybody’s Best Friend is a true extrovert. Prone to office gossip, you’ll find this employee hanging out in the break room, stopping by other people’s desks—basically, anywhere that doesn’t involve attending to their own work. They are easily everyone’s favorite or go-to person. Most times, they are the most welcoming person to new employees. It is important to have this kind of person as a friend as they provide useful information on other personalities for you.

5. Always Grumpy, Always Angry

The grumpy personality is often the complainer, always dissatisfied with everything and every policy of the organization. Always the first to object to rules or ideas without having a better solution. Quick to anger and often in everyone’s bad book. When you see the grumper, as I call them, they are always complaining about one thing or the other. Often egocentric and narcissistic, they never admit to being wrong or making an error but are quick to point out the flaws in others.

These five personalities are always in every office or organization no matter how big or small. The key to getting them productive is learning how to work with them, identifying and managing the flaws and strengths of these personalities as they each add spice to the workflow one way or the other.

Africa’s Bitcoin giant, Patricia.com.ng recently teamed up with TraceTV to officially unveiled their collaborative series that highlights the path to success of Africa’s Biggest Afro-hip-hop Superstars.

Patricia and TraceTV unveil first partnership with the Patricia Evolution Series

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In the episodes, the entertainers talk about their meteoric rise to fame, hopes, dreams, aspirations as well as how they became the best in their fields. The featured superstars include Zlatan, Oxlade, Teni, Joeboy, and a host of other household names.

<center>[ url=
https://www.youtube.com/watch?v=VWeL-CgHOF0]Here[/url]</center>

This comes right after the launch of its critically acclaimed Bitcoin Card (a multipurpose card which you can use to withdraw cash directly from your BTC wallet). This was followed up with the launch of its innovative app that has given Bitcoin trade in Sub-Saharan Africa a new dimension while assuring users of the ease and safety that comes with the platform.

Speaking at the launch of the series of products, the CEO Mr. Fejiro Hanu Agbodje praised TraceTV for doing an amazing job of showcasing Africa’s wealth of talent to the world in other to make it better via good music.

“Patricia seeks to change the world via innovative solutions and we see the youth as the future of the continent”, he said. “That being said, the Youth need to be empowered to tell their success stories so more people can be inspired to get up and make something out of their lives so we can build Africa’s wealth.”

Patricia’s latest collaboration effort does not come as surprise, the Bitcoin and Ecommerce giant has always empowered young African youth leaders, once signing 14 influencers in one swoop. It has segued from a Giftcard trading company to a wholly digital bank, offering valid bank accounts, cryptocurrency exchange, and payment solutions across three continents.

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The nitty-gritty of Gift cards
Gift cards are seen by some as a lazy gift, suggesting that not much thought went into the gift selection. Others, though, welcome the gift-card solution to a holiday shopping list — and are happy to receive them, too.

Gift cards have become widespread in recent years, and you probably have some in your possession already. Whether you’re buying and/or receiving gift cards, though, there are a bunch of rather important things to know about them. The more you know, the fewer headaches you’ll experience. See which of the following gift card facts surprise you — and which ones will save you some money.

1. Gift cards are big business
For starters, understand just how big the gift-card market is. The National Retail Federation has estimated that gift card spending will total $27.6 billion this holiday season and that those buying cards will buy about four cards each, with an average value of $45.

That’s just for the holiday season. Gift cards are also bought for other occasions, such as birthdays, and the total spending over the year is estimated at around $160 billion for 2018, up from nearly $100 billion in 2011.

2. Lots of people want gift cards
While you might think that buying someone a gift card is a bit of a cop-out when it comes to finding a perfect gift, the truth is that many people like and want them as gifts. Fully 61% of folks will be asking for a gift card this year, per a survey by Prosper Insights & Analytics.

That’s not a new development, either: Gift cards are the most popular entry on holiday gift wish lists this year, according to the National Retail Federation and Prosper Insights & Analytics — and for the 12th year in a row!

3. Lots of people will be buying gift cards this holiday season
Not only are many millions hoping for gift cards, but many millions will also be receiving them: According to that same survey conducted by Prosper Insights & Analytics, 59% of survey respondents said they will be purchasing gift cards for their loved ones this year.

There are more kinds of gift cards than you can imagine, too — covering everything from favored clothing retailers to drugstores, bookstores, restaurants, outdoor gear stores, sporting goods stores, department stores, craft stores, pizza vendors, music streaming services, video streaming services, and much more. Whatever your loved ones like, there are probably a bunch of cards that might suit them.

4. Lots of Gift cards go unused every year
About 90% of gift cards get put to use quickly, within 60 days of being received. What about the other 10%? Well, some of those cards are used later, of course, but a whole lot of them end up never used. Roughly $1 billion worth of gift cards go unused each year, per CEB TowerGroup.

You might think that stores like it when you don’t use their gift cards. Well, there is definitely an upside to that, but retailers actually win no matter what people do with their gift cards. If a $50 card is unused, that’s $50 worth of merchandise or services that doesn’t have to be provided. If $45 of a $50 gift card is used, there’s $5 in value that various parties can profit from. And even if the entire card is used, there’s a good chance that the total bill will be for more than $50 and that the shopper is spending more than they otherwise would have with the retailer. About 72% of gift-card users spend more than the card’s value when using the card.

5. Gift cards can expire — but not within five years
Many people have learned the hard way that gift cards can expire. The Credit CARD Act of 2009 limited the aggravation that consumers experience by requiring most gift cards do not expire until five years beyond the date the card was purchased or the date on which funds were last added to the card.

Don’t let a gift card’s expiration date take you by surprise. If you’re giving a gift card, read the fine print first, to know the terms — and perhaps give the recipient a heads-up about the rules, too. If you’re the happy recipient of a gift card, if you’re not planning to use it soon, it’s smart to figure out when it expires or to make a point of using it within five years.