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PI Network Review Legit or Scam?



PI Network

One of the most beautiful aspects of the cryptocurrency industry is constant development and improvement that is what PI  powered by the Pi Network is all about. In theory, PI  looks like it has answers to almost all the questions that the cryptocurrency industry is looking for answers to.

In this review, I will take deep dive into the project and give me my honest review based on the data available without being biased or being sentimental, I aim to serve as a springboard for those who want to invest in this project.

This review will cover;

What is PI ?

How does the PI work?

Price prediction

How Legit is PI?



What is PI / PI Network

The Pi  is the cryptocurrency that runs on the Pi network and as with other cryptocurrencies such as BTC, Pi crypto was designed to undergo regular “halving” to protect its scarcity.

The PI Network aims to make cryptocurrency mining accessible for everyone. The native token of the Pi network is the Pi

The PI is a fork of the stellar network and uses less energy to mine by allows users to vouch for each other through social circles.

The project is said to have been conceptualized by Stanford Graduates. The lead developer is said to have taught the first-ever Blockchain course at Stanford.  In its whitepaper, the pi network is trying to solve the centralization of the first generation of cryptocurrencies where the more mining power you have the more you can mine cryptocurrencies. The pi network is leveling the playing ground for the crypto investor by providing a platform where cryptocurrencies can be mined using the mobile phone. This is one of the selling points of the project.  However, there’s no proof that this coin being mined will ever be traded as the pi coin is not listed on any exchange platform yet. The pi network seems to have an MLM undertone, what increases your mining power/earning power is when you invite or refer others which are referred to as roles in the network circle.

The team’s goal is to allow people from all works of life to be able to contribute to the success of the cryptocurrency and community with little or no knowledge on tech and cryptocurrency generally. This meritocratic principle the teams believes will position them as one the most widely used cryptocurrency.

How Does the PI  work?


the PI team

(From left to right) Vince McPhilip M.B.A. ’18, Chengdiao Fan Ph.D. ’14 and Nicolas Kokkalis Ph.D. ’13 cofounded the cryptocurrency network Pi Network with visiting student researcher Aurélien Schiltz. (Photo: Benjamin Mattingly)


On the website, there’s a claim of using your phone to mine the Pi coin, although the underlying technology and how it works is still sketchy and there’s no proof that the action-taking place is mining.

The end product or goal for which the Pi token will be used is a digital e-commerce platform and D’apps (decentralized apps) platform on which users can buy and sell goods and services, build apps, advertise, and more. The hints are given in the white paper place an emphasis on the exchange of digitally based services, but in the test transfer pilot of Pi, users have also already made many exchanges for physical goods as well. Many are not aware that apps will be able to be developed on Pi. One early-stage app has already made its debut within the Pi mobile app. Called ‘FeverIQ,’ it’s a Covid-19 symptom tracker. And the invitation has been put out for developers worldwide to avail them of Pi’s newly released SDK package.


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Mining in blockchain technology be it POW OR POS consumes an amount of energy but the PI Network claims it simulated mining and it does use your phone power at all.

Because real Mining requires energy no matter how little if the mining component of the PI networks works on most mobile phones without any issue at all given to the simple fact that all phones don’t have the same processor speed and memory space is something that calls for concern.

The mining phase of the PI Coin won’t last forever, currently, they are over 12 million active miners on the platform


Every user on the PI network is allowed to willingly choose the role

Every user on the network has a role and is allowed to chose they are four main roles on the PI network as they are as follows;


A pioneer in the basic level of the pi network roles and their only duty is to download the pi network app and mine and checking in once daily to prove you are not a bot.


A contributor is someone who contributes to the growth of the network by inviting others to join their social circle and vouching for them.


A node is a user who is a pioneer, a contributor using the Pi mobile app, and is also running the Pi node software on their desktop or laptop computer. The Pi node software is the software that runs the core SCP algorithm, taking into account the trust graph information provided by the Contributors.


PI Price Prediction

Currently, the PI  is worth nothing as it has not been listed on any exchange platform so far, as, at the time of this writing, the project is already in the second phase of development, which calls for concerns.

If the coin is listed on exchange it could be worth anything but the team isn’t saying anything for now let’s keep our fingers cross.


How Legit is PI Coin?

I feel the PI Network has a good intention, they have looked at the cryptocurrency industry saw a need, and went ahead to proffer a solution. Although these solutions have no real-life application just an intelligent theory that looks good on paper and nothing else.

I won’t say the project is a fraud as the project has been on for years now and nobody has been reportedly ripped off but I can say they are stalling and there’s something they are not telling the community. My humble advice is after doing your research and want to mine this coin, do it with your spare time and don’t get too emotionally invested in the project.

One of the shortcomings of this project that nobody is looking out for, currently, they are over 12 million holders of these coins, that is 12 million people waiting to dump millions of this coin on an exchange collect an amount of BTC  or any other coin unless something strategic is done this will be a serious problem.


PI  has been around since 2018, the cryptocurrency ecosystem is one of the fastest advancing sectors. If the PI network is going to make any headways now, it has some serious restructuring to do because of most it concepts and idea would have gone extinct.

Feel free to share your opinion.

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Cowrywise Vs Piggyvest In 2022



cowrywise vs piggyvest which one os better for you in 2022

Investment is taking an impressive new dimension. Our aim with this article; Cowrywise vs Piggyvest in 2022 is to introduce and dissect an array of investment platforms, analyze market forces and realities also vigorously and excitingly reveal to you investment tides and trends.

We welcome you to the dawn of limitless opportunity that drags with it the promise to simplify investment technicalities such that when you invest, you do so armed with the right information and knowledge.

Here we provide information that helps you monitor risks. Today, we’ll review two very important investments/savings platforms namely piggyvest and Cowrywise. Excitingly, the popularity of these two brands is as great as their potentials to give financial returns across financial markets helping new and experienced investors reach their goals. When it comes to investment and savings, the question of whether or not you will achieve your financial goals largely depends on the platform you choose. As promised earlier, we will be reviewing two important platforms—Cowrywise Vs Piggyvest which is better for you in 2022. The piece promises to solve the frequently asked question of which is best and safer.


Cowrywise has over 30 mutual funds available which are regulated by the Security and Exchange Commission (SEC). You automatically become an investor when you purchase units from over 30 mutual funds. Mutual Funds are a mix of diverse types of assets, so investing in one Mutual Fund often means you’re investing in many assets at once. Mutual Funds are excellent for first-time and retail investors in general. 

 Due to the security of investments on this platform, you can take the advantage to make both short and long-term investments. Your investments on this platform are accessible depending on the options you choose. One good thing is, you don’t need a debit card to activate your Cowrywise account. Just use STASH (your safe-in-app wallet); an in-app funding option for your savings and investment plans. Once set up, it provides you with an account number and you can make transfers to it from any Nigerian bank. You can transfer money in your Stash to any of your savings/investment plans. Once set up, it provides you with an account number and you can make transfers to it from any Nigerian bank seamlessly. You can transfer money in your Stash to:

  • any of your savings/investment plans.
  • anotherCowrywise user for free.
  • your Nigerian bank accounts with a NGN25 charge.

 Additionally, the platform offers multiple savings plans or options conceived with the investor’s lifestyle needs in mind such as rent, wedding, and vacation. Currently, the savings options on Cowrywise include:

Notable Features of Cowrywise

Life Goals

These are savings plans intended for varying financial commitments. They are locked and inaccessible for at least one year. Under this option, you are saved from the stress of wondering what long-term goals to save towards which is one of the many advantages of using COWRYWISE. The features are structured to accommodate your everyday life needs and options have already been provided for you in most cases. Under Life Goals, you can choose from Home, Family, Business, Vacation, Education, and Retirement. Cowrywise is veritable for building wealth.

Emergency Plan

Life is full of unforeseen circumstances and that is the main thrust of this savings option or plan.  With this feature, you are saving for emergency outcomes. Also, you’re ensuring you’re financially covered if anything ever happens unexpectedly. Unlike the Regular savings plans with a timeline of at least 3 months, you can remove cash from here anytime. You just need to be true to yourself that you’re withdrawing from an emergency. The emergency Plans on Cowrywise earn returns derived from safe financial instruments.

Regular Savings:

Regular Saving are structured for a minimum of 3 months but the good thing is a user can open multiple Regular Savings Plans which can be used for rent, car, and so on.  Regular Savings help you imbibe discipline which helps you accomplish your financial goals. On the cowrywise app you can’t access your savings earlier than the maturity date.

Saving circle

Savings Circle is one special feature only available on Cowrywise. This feature currently has three variants under it.


 for saving with friends and family in a fun and motivational way.


perfect for your private investment clubs.

Money Duo 

for just two people, this is perfect for lovers setting long-term financial goals together. 

Halal Saving:

Halal Savings are for the Muslim faithful who want to save with no interests. Everyone’s faith is respected and there’s an option for you to choose from, regardless of your beliefs.


This platform is regulated in multiple jurisdictions around the world and incredibly offers full segregation of funds for retail clients. Wherever you are in the network and capacity to hold your funds with top tier banks fully segregated from assets of the firm. Currently, the available savings options on Piggyvest include:

Notable Features of Piggyvest

Piggy Bank

With Piggybank feature, you can save daily, weekly or monthly. With this feature, you can turn on automated savings and can top up whenever you want. When you put money here, Piggyvest picks an automated withdrawal date for you. However, you’re allowed to break this plan whenever you want and a small percentage of what you withdraw will be debited. 

Flex Naira

Flex Naira is another excellent feature on the Piggy Platform.This is relatively more flexible, just as the name implies. You can keep cash there without the set withdrawal date and you’ll not be debited when you make a withdrawal as there’s no strict withdrawal date set.

Flex Dollar

Flex Dollar feature allows you to keep your cash in dollars.

Safe Lock

Safe lock is an impenetrable feature. That is, you choose your withdrawal date yourself, and once done, it is locked and nothing can unlock the padlock until maturity.

Targets: Targets is the feature created to help you target different savings goals.


Cowrywise and Piggyvest have a lot of unique features but below we highlight some glaring ones which we believe provide timely answers to some FAQs.

  • Cowrywise has the largest collection of Mutual Funds in Nigeria, and all the funds are registered with and regulated by the Securities and Exchange Commission (SEC) while Piggyvest is regulated in multiple jurisdictions around the world and incredibly offers full segregation of funds for retail clients.
  • A striking difference between the regular savings plans on Cowrywise and that of Piggyvest is that Cowrywise was built to help you stay disciplined when you save in that you can’t access the investment until maturity while Piggyvest is flexible.
  • Cowrywise arguably has the highest level of investment license in Nigeria
  • According to sources, “Cowrywise is the first fintech company in Nigeria with an SEC license in the fund/portfolio management category. If we were to compare, it will be “the CBN” for investments. The SEC regulates the operations of investment companies, just as the Central bank of Nigeria (CBN) regulates banks. As an investor, the SEC ensures your funds are safe”.
  • Piggyvest is incredible for daily savings. Investments and savings here are tight and secure with even very small investment capital in the minimum of 5k. Cowrywise, gives you an array of investment options accessible anytime anywhere.

Conclusively, these two platforms are great and safe for anybody seeking to effectively save or invest. However, our job is to supply you with the information with which you do your assessment. So, from the conservative, moderate, and down to the aggressive investor, we feed you with information that reinforces your investment choice. Tell us what you think about the

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Decentraland Review: All You Need To Know



decentraland review

Decentraland Review: All You Need To Know

The news of a virtual world is no longer a secret especially with all the technological advancements we’ve seen in recent times. As the day goes by, we see advancements that tend to improve the living standards of everyone in the world. These advancements are targeted at getting everyone to a place where the real world and the virtual world coexist.

This review will give you proper insight into the virtual world called Decentraland. If you have heard of this virtual world before and probably have no idea what it’s about, then sit tight and have a good read.


What Is Decentraland?

Hearing the word Decentraland may bring to mind decentralized finance (DeFi). Now if DeFi comes to mind, you are in place since you understand what digital assets are. Just as decentralized finance handles financial matters away from the physical procedures, decentraland is quite away from the real world.

DECENTRALAND is a virtual world. This virtual world is made up of over 90,601 land spaces (parcels of land). At first, it was just a wide, open grid. As time passed, together with technological advancements, the once wide-open grid has become a virtual world with proper 3D (three-dimensional) experience. In comparison to reality, our physical (tangible) world was once an empty open space with no buildings, roads, and all other structures currently present.

It took a while, coupled with lots of development and advancements as well to make our world what it is today. The development of our world happened as people, companies, and organizations bought parcels of land and began erecting building structures on them. In like manner, people can buy parcels of land on Decentraland and then begin erecting structures with items purchased in decentraland. These things that are purchased and used for decorating their land spaces are in the form of Non Fungible Tokens (NFTs).

Decentraland was founded in the year 2015 by Ariel Meilich ( a Fintech expert from Argentina) and Esteban Ordano (a blockchain expert). With the growth of virtual reality, the two friends were concerned that there was only one company dominating the virtual space. They decided to create decentraland to help that company with the control of virtual space reality.

We know virtual reality space is growing, Decentraland is one way to help govern the growth and improvements, advancements happening in this space. The totality of all that has been said is the fact that Decentraland is a system in virtual space that allows people to buy parcels of land and decorate, erect structures which are also known as NFTs. The cryptocurrency that runs the Decentraland system is known as MANA.

To tell you how much of the advancements that have been made since the inception of Decentraland, just a few months ago in June, Sotheby’s (a London based auction house) was able to purchase a parcel of land on which they created a virtual, digital copy of their New York Bond Street headquarters.

This replica was created as a virtual gallery on Decentraland where they show/display digital arts. The New York-based digital real estate investment company wasn’t left out as they purchased parcels of land worth the equivalent of $913, 228. These parcels of land purchased on Decentraland will be turned into a virtual shopping district which is said to be styled after the Tokyo shopping district called Harajuku. This virtual shopping district will be called Metajuku, also named after the Tokyo shopping district.


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Top Features Of Decentraland

As we have earlier stated, Decentraland comprises vast parcels of land which exist in a three-dimensional platform in virtual reality. On these parcels of land, structures are erected, decorations are made to personal spaces with NFTs.

The Decentraland system allows users, owners of parcels of land to have full ownership, governance of their assets, properties in this virtual space. This virtual space (Decentraland) runs on the Ethereum blockchain ( it is eth blockchain-based). Because the assets are NFTs, changes in the Decentraland space are made using blockchain-based smart contracts.

As a way to make money off Decentraland, users, owners of parcels of lands, structures are allowed to sell their assets, create a business that allows them to earn money from other users of the Decentraland space. This tells you that the economy of the Decentraland space is controlled by the users.

One very notable feature of the Decentraland space is the fact that all the items found on the Decentraland space come with an expiry date. Just like in the real world, Decentraland offers its users opportunities to carry out virtual parties, virtual launches, and lots more

MANA is the native currency of the Decentraland space. MANA is the only currency allowed and is used for buying and selling items on the Decentraland space. The prices of the land spaces in Decentraland are dependent on the size and its position in Decentraland.

Decentraland Mining

Quick question – can Decentraland be mined? We will answer this question with all the knowledge we already have and will get. But what do you think? Can this awesome but costly virtual space be gotten for free? Let’s find out.

Kindly bear in mind that when we talk about mining Decentraland, we are talking about mining the native currency MANA.

So yes, Decentraland mining is possible. Users of Decentraland can mine MANA on their laptops. Let’s go straight into the mining. If you would mine any digital currency at any time, you must have a wallet where you can store your assets. For MANA, you should get an ERC20 wallet.

After which, get your wallet address through which your coins will be sent to your wallet. The next step will be to get a mining software like Unmineable  Miner. This mining software will allow you to obtain MANA for free after doing a few things.

Your next step? Run the Unmineable Miner software as administrator on your laptop, this will take you to another window which will request for your Decentraland MANA address and a referral code if you have one. After inputting the details, click on the start mining option and it will open another window that will display some zeros. This will begin reading from the last zero.

How To Buy Decentraland Mana

Even though we have a lot of platforms where we can acquire digital assets, you cannot get  MANA on all these platforms. I’ll show you the platforms where you can buy MANA.

One platform where you are sure to get Decentraland MANA is Binance. Here are the steps to buying  MANA on Binance using Bitcoin. Follow the prompts and steps you would be shown on Binance to open an account on the platform.

After the first step of opening an account on Binance, the next step is to purchase Bitcoin which you will later exchange for Decentraland MANA.

After the purchase of Bitcoin, trade the bitcoin for  MANA. This can also be done using USDT, BUSD, BNB, etc.

Another platform where you can buy  MANA is ok

Where To Buy Decentraland Mana?

As we earlier said there are platforms where you can buy  MANA. One such platform is Binance,, Kraken,, Voyaga. These are the topmost platforms that you can easily buy  MANA from.

MANA Price Predictions

From the inception of  MANA, analysts saw and predicted a win-win for  MANA. The predictions for MANA show that it is on the rise and will remain so until it hits an all-time high just like Bitcoin. At the moment, there are over 1.8 billion  MANA in circulation with a total supply of about 2.1 billion  MANA.  Even though the cryptocurrency market is highly volatile, proper study and analysis of the  MANA show a lot of hope.

According to analysis, Decentraland aims at facilitating major METAVERSE projects. Earlier on we stated that on Decentraland you can buy land spaces and develop these spaces to your taste. In the virtual world right now MANA is gaining ground as it is the only currency in the virtual world that allows you to own a parcel, parcels of land in the virtual world.

Let’s hear from some market analysts.  MANA will hit $7 and above in five years according to while states that  MANA will hit $4.63 at the end of this year and rise to $8 and above by the end of 2025. has the highest predictions for the price of  MANA as it predicts that  MANA will hit $14 by the end of this year while price says that  MANA will keep rising and hit about $83 in the next ten years.


The virtual world is a goal and is growing fast. Decentraland is one virtual space that is set to blow your mind. The predictions show that MANA will hit an all-time high soon. Amazingly more people are getting aware of virtual space, more investments are going on, so it’s major proof that no matter how the dip gets, the project will be standing tall.

The virtual world is an interesting space, getting a parcel of land on Decentraland won’t be a bad investment for the future if you know what I mean. If you’re reading this and smiling, then you get the point. This is one huge investment you can make which will get you a good profit in no time. Price predictions show that  MANA is going to keep gaining more ground as it is aimed at facilitating METAVERSE projects.




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Best Ethereum Wallets 2021



Best Ethereum Wallet

Best Ethereum Wallets 2021


I just spent some time today listening to Ethereum’s founders Vitalik Buterin on Daba radio and I must commend him for the amazing work he and his team are doing with Ethereum.

Currently, Ethereum is the second-biggest cryptocurrency by market cap and as of the time of this writing, Ethereum has surpassed all predictions for 2021.  According to Coinquora, Ethereum will likely surpass $5000 by the end of the year.

Ethereum championed the course for the creation of the NFT MarketPlace with their smart contract and this singular action has led to a bullish performance of the currency.

Since 2020 Ethereum has been witnessing a significant upsurge in popularity after the Defi boom. According to DappRadar, 95% of the total transaction volume reached $270 billion, with 95% of this figure attributed to the Ethereum Defi ecosystem.

What is Ethereum (ETH)?

According to, “Ethereum is a technology that’s home to digital money, global payments, and applications. The community has built a booming digital economy, bold new ways for creators to earn online, and so much more. It’s open to everyone, wherever you are in the world= all you need is the internet.

These factors and more have made Ethereum become one of the most sought after cryptocurrencies in the market, as it attracts new users daily, people are looking for the best wallets to keep their Ethereum safe and we are here to give you some of the best wallets you can use to keep your Ethereum safe.

Factors to Consider when choosing an Ethereum wallet

  1. Security

The first thing to look out for in any wallet you want to use is security, how strong is the security? Do they have a backup plan? How easy can you recover your funds in case of theft or loss?

Some of the security features most secured wallets have

  1. 2FA authenticator

  2. Multiple signature feature

  3. Passphrase


  1. Experienced Developers and Strong  Community

Wallets with experienced developers are easy to manage in case of any security threat, a wallet with a strong community base is a confirmation that they know what they are offering.


  1. Simple user interface

This feature is key; choose something easy to use is always better to avoid complications and difficulty.

  1. Recovery Phrase


  1. Compatibility with other operating systems and platforms


Types of Ethereum Wallets

  1. Desktop wallet
  2. Software wallet
  3. Online wallet
  4. Mobile wallet
  5. Browser wallet
  6. Hardware wallet

Each of the above-listed wallets has features that make them unique from each other, before using the type of wallet, kindly research it before using.


Best Ethereum wallets to use

  1. MyEtherwallet


MyEtherWallet is a famous online wallet dubbed the first Ethereum wallet which is an open-source wallet used for storing Eth and ERC20 tokens. This wallet is easy to use and you are not required to set up anything on your pc. You can use this wallet to interact with hardware wallets like Nano S and Trezor. You can keep your Ethereum private keys and anonymous.




Guarda is a cold wallet that supports multiple cryptocurrencies with a desktop and mobile app version. Guarda allows users to control their private keys. and One of the first to support multiple types of coins and tokens, Doesn’t store personal info.

  1. Mist

Mist Wallet

Mist is the official Ethereum desktop wallet, which was developed by the makers of Eth. You can store your ERC 20 Token, although a little bit technical, it Is easy to install and available for OS, LINUX, and MAC users.


How to Buy/Store NFTs From OpenSea Using MetaMask


  1. MetaMask


Metamask is the people’s favorite wallet, it was developed by ConsenSys a founding team for Ethereum blockchain, this wallet was developed first as a browser extension and also easy to use, you can also use this wallet to send and receive your NFTs and ERC20 tokens.

  1. Ledger Nano S

Ledger Nano S

Ledger Nano S comes highly recommended as one of the best hardware wallets. It supports not  Ethereum, it also supports different types of ERC-20 tokens, and even other cryptocurrencies, including Bitcoin, Litecoin, and so on. Nano S can also be integrated with MyEtherWallet to send, receive, and hold tokens. It runs on operating systems such as Windows, macOS, and Linux.

  1. BRD

BRD Wallet

BRD is a cold wallet that runs on IOS and Android for Ethereum and other cryptocurrencies.

  1. Trezor


Trezor Secure physical device that supports multiple cryptocurrencies and uses two-factor authentication with an established reputation, the Trezor has Physical buttons or touchscreen and supports nearly 700 types of coins and tokens.


Final Thought

I’ve considered a small number of Ethereum wallets, there are dozens of others, and some are still in the works as the Ethereum Blockchain Ecosystem develops. More wallets will be built to meet the demand of users.  Each of these wallets comes with its Pros and cons, you have carefully ensured the one you choose must meet the criteria of safety and functionality.

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