European EdTech Startups

RITVA: POSSIBILITY OF GAINING 120,000 EURO FROM 200 EURO

In the current era of globalization, there are more and more international investment projects which have created a wide range of opportunities for investors and one of them is Ritva.

Ritva is an international financial investment project belonging to Crystal company. With a team of leading experts in financial sphere, Ritva swiftly proves its significance and potential in the process of being a limitless source of profit for investors. Established in 2019, Ritva has rapidly gained the recognition of trading and investor community around the world thanks to low-cost-but-high-profit investment policy. To be specific, when you come to Ritva as an investor, you just need to pay 200 Euro for activating your Ritva account(s) and then you are qualified to get all benefits that Ritva offers such as creating your own network, getting rewards for each stage, and especially earning 120,000 Euro at the end of the process.

To know how to turn 200 Euro to 120,000 Euro, please first visit our website, then roll down to the bottom of the page and click “presentation” for more information.

FOREX MARKET AND EXPERTS ADVICE

24-hour view: “EUR dipped to 1.0869 yesterday before rebounding quickly. Downward pressure has eased and the current movement is viewed as part of a consolidation phase. In other words, EUR is expected to trade sideways for today, likely between 1.0875 and 1.0930.”

Next 1-3 weeks: “The build-up in momentum that we highlighted last Tuesday (19 May, spot at 1.0920) dissipated quickly as EUR dropped below the ‘strong support’ level of 1.0890 on Friday. The recent “choppy” price actions have resulted in a mixed outlook. From here, EUR could continue to trade in an undecided manner between the two major levels of 1.0800 and 1.1000 for a period.”

Reading and understanding the market is one of the strengths of Ritva’s IB team. Therefore, investors who come to Ritva for safe-but-huge income never ever leave us.

Ritva Co-operates with individual investors and IB groups around the globe through Smart Contracts

Although smart contracts require a excessive number of technical, legal, and organizational enablers, Ritva has early realized and built smart contracts strategy and approach, thus, our customers could benefit from more convenient and modern trading transactions.

3 key advantages of smart contracts:
Risk reduction
Cost savings
Enhanced efficiency

The potential of smart contracts - programmable contracts that automatically execute when predefined conditions are met - is the subject of much debate and discussion in the financial services industry. Smart contracts, enabled by blockchain or distributed ledgers, have been held up as cure for many of the problems associated with traditional financial contracts, which are simply not geared up for the digital age. Radiance or physical documents lead to delays, inefficiencies and increases exposure to error and fraud. Smart contracts have been designed to automate transactions and allow parties to agree on the outcome of an event without the need for a central authority.

Smart Contracts could offer substantial benefits to our customers and our Ritva financial services firm, too.

We believe that a permissioned, distributed ledger smart contract system would make the most sense for the financial industry in the majority of cases. It assures a secure, private and scalable platform connecting all key investor with contracts or records stored on blockchains or permissioned ledgers and they eliminate the need for a central intermediary to provide trust in the system. For markets that do not use intermediaries, it’s still a higher degree of trust than current operations.

By automating parts of business processes in the short run and possibly entire processes in the long run, smart contracts would significantly reduce the costs associated with areas such as compliance, record keeping, and manual intervention. The real benefit and power of the technology is more around reducing costs, risks, error rates and reconciliation processes while allowing everyone to have a shared mutualized infrastructure.

EURT TOKEN

The EURT tokens shall be subject to the hard cap of 100 millions. A portion of the token supply is pre-minted for the development of the RVChain. These tokens are inhabiting the Ethereum blockchain and conforming to the ERC-20 standard. In particular, 10% of these tokens are dedicated for the Ritva activities. Another 10% are reserved for the founding members. Nonetheless, this reserve is locked and subject to a vesting period of 24 month. The rest of the preminted tokens are used for the research and development, pre-deployment of the RVChain, as well as funds for other activities necessary for the wide adoption of the RVChain.

The rest of the token supply is subject to mining. In another word, it is dedicated for rewarding network participants (or verifiers) who contribute their resources to verify the transactions on the RVChain. It is worth mentioning that all transactions incurred on the RVChain network shall be subject to the transaction fee to be collected in EURT. A portion of the transaction fee is given to the network participants, while the other is burnt off. This token burn inevitably leads to the depreciation of token supply over time, which translates into an appreciation of the token price against fiat.

MEDTECH AFTER COVID-19

In the wake of COVID-19 pandemic, the medtech industry has significantly risen to the challenge. The healthcare system is having to adopt to this new word, and suddenly, the old way of working which relied largely on an analogue world and the bricks and mortar of the “office visit” are starting to look more outdated and out of step with the environment they are working within.

As we enter a post-COVID-19 environment, medtech companies will develop new technologies to help improve treatment, identify outbreak hotspots, prevent infections, and vaccinate the world against the virus and future pathogens. This also creates plenty of opportunities for Ritva to invest in this potential field.

STRENGTHENGING THE EURT APPEARANCE

As you may have already known, we set our vision on the development of the RVChain, information about which has been published in various venues. Critical to the operation of the RVChain is the EURT token. It is a logical preparation step to strengthen the appearance of EURT tokens across platforms.

To this end, the team is pushing the token information onto Etherscan, which is the most prominent and reliable source for ERC-20 tokens in general. We will release update once the token information is available on Etherscan. Furthermore, EURT token is being incorporated onto the Crystal Wallet. Once the incorporation completes, EURT will be seamlessly available on the Crystal Wallet’s interface. Users can then store and transact EURT using the wallet in a rather effortless manner.

We shall keep you posted on our progress.

STATE OF STARTUPS IN BALTIC REGION

Creating one third of total unicorns in Central & Eastern Europe, and 3% of unicorns in Europe overall, the Baltic region has risen as the European Silicon Valley.

Estonia is leading the way in Baltics, with 4 unicorns: Bolt, TransferWise, Playtech and Skype. While Lithuania has crowned it’s first Unicorn Vinted, who raised €128M in a funding round that valued it at more than 1 billion euros, making it Lithuania’s first tech unicorn. Not to be mentioned, Latvia is emerging to be a rapidly growing tech startup ecosystem thanks to the access to high-speed internet, highly talented labour pool, a multilingual population, and the presence of various government-backed programs that attract entrepreneurs.

Estonia and Latvia are the key markets which Ritva’s venture capitalists always watch closely. This is sure to bring significant income for Ritva in the coming years.

SOLVING PROBLEMS IN TRADITIONAL EDUCATION BY TECHNOLOGY

Technology has been applied in education for at least 15-20 years in a meaningful way, and thanks to this, many existing problems in traditional education have been solved.

For example, one of the biggest drawbacks of traditional education is that the pace of the class is determined by the median student. Therefore, some people get left behind while some others are bored as they are ahead of the curve. Technology can customize the pace of learning for each student. With improvements in artificial intelligence (AI), this will get even better over time. Another example is interactive classes that use visual recognition and AI to determine student engagement levels. The right tools can help the teacher decide which students to focus on to bring them back into the flow.

In an attempt to personalize the learning experience, try new approaches, and to scale education, technologies have been utilized widely today. And Ritva is expected to play a significant role in the process of replacing conventional education with technology-applied education.

EURT - POTENTIALLY HIGH VALUABLE ASSET

A means of payment in sharing profit between Ritva and its IB partners is one of the main factor that plays a significant role in increasing the valuation of Ritva.

As a matter of fact, Ritva’s external IB groups has created an enormous and durable source of income. Since the amount of profit was so huge, Ritva and leaders of all groups had worked closely in order to decide which method is the best way for profit distribution, cash or some kind of potential valuable assets. Through many discussions, EURT has won the battle and become the official means of payment between Ritva and its counterparts.

Blockchain Improves Security in Asset Management

It goes beyond any doubt that Blockchain is now dominating the fintech sector, in particular services that involve management of fund. Such dominance arises from the blockchain’s capability of improving data security, thereby furishes asset management with in-depth protection.

Featuring immutability and decentralisation, the blockchain technology disrupts conventional approaches toward cybersecurity. Every block in the ledger is cryptographically linked to all of its predecessors. This minimizes the possibility of data falsification, for such tampering can be easily detected.

Furthermore, combined with traditional disaster recovery solutions, blockchain can effectively prevent data loss. An attacker would have to change all data blocks at the same time, which is very difficult to do.

MEDTECH - A COMPLEX MARKET FOR INVESTORS

MedTech investing is difficult because it is not just about understanding the product and its market fit, but also the complexity of healthcare systems around the world — how money flows and incentives are driven in different systems. This can often affect the how different solutions are adopted in different markets and at which price points — irrespective as to the benefit such a product might bring. Fortunately, Ritva has a team of experts in researching and evaluating the medtech technologies.

Therefore, MedTech investors have to be patient and expect long payback periods, but if the company is successful those paybacks can be very large. From Ritva experts’ point of view, the businesses that Ritva likes the best are those with strong gross margins, highly predictable and recurring revenue contracts, strong Intellectual Property, network effects and those that operate in large markets.

EUROPEAN EDTECH VC INVESTMENT BROKE A RECORD

Europe is gaining momentum with a healthy increase in VC investments in local EdTech startups. Overall, the EdTech VC investment experienced a 9.2X growth between 2014 and 2019 in term of $ invested.

The total amount of investment increased by 43% from 2018 to 2019 in investments, breaking a new record for European EdTech. The transaction became larger with $3.25M invested per transaction in 2019, compared to $3,19M in 2018 and $2M in 2017.

Based on these numbers and our observations on the ground, EdTech is getting more popular with generalist European VCs. Indeed, we are witnessing an increasing willingness to dig deeper , and invest time and money in the EdTech world.

THE MYTH OF MORDERN ECONOMIC: DEMAND AND SUPPLY

Recently, Ritva core team has decided to reduce the EURT supply, starting from September. In an attempt to making this momentous decision more understandable to everyone, we are going to point out the application of the law of demand and supply in modern economic.

Generally speaking, the supply and demand model refers to the combination of buyers’ preferences comprising the demand and the sellers’ preferences comprising the supply, which together determine the market prices and product quantities in any given market.

To think of it in modern application, take the example of a new book being released for €20. Because market analysis has shown that current consumers will not spend over that price for a book, the publishing house only releases 100 copies because the opportunity cost of production for suppliers is too high for the demand. However, if the demand rises, the price will also increase resulting in higher quantity supply. Conversely, if 100 copies are released and the demand is only 50 books, the price will fall to attempt to sell the remaining 50 copies that the market no longer demands.

The concepts inherent in the supply and demand model further provide a backbone for modern economics discussions, especially as it applies to capitalist societies. Without a fundamental understanding of this model, it is almost impossible to understand the complex world of economic theory.

WHERE TO INVEST IN EU FOR A CORONAVIRUS RECOVERY

The global economic instability caused by the novel coronavirus has affected the development of all industries in Europe. Nevertheless, according to Tom Stevenson, investment director for Fidelity Personal Investing, Europe “appears to have successfully navigated the Covid-19 crisis with a combination of well-enforced lockdowns and massive government and central bank support”.

Rooted in the recent results of some market researches, our experts have claimed that nowhere to invest in EU for a coronavirus recovery. Furthermore, across Western Europe, information technology, food products, FMCG (fast-moving consumer goods), finance and insurance, and pharmaceuticals will present opportunities in 2020-2021, whereas mining, durables, transport equipment, construction, and hospitality will suffer disproportionately until the end of 2021.

MILESTONES OF ESTONIA BECOMING THE WORLD’S MOST DEVELOPED DIGITAL SOCIETY

In 1997, six years after and the collapse of the Soviet Union, electronic-governance (e-governance) was launched; e-tax came in 2000, a year before digital ID. “Some 370 million digital signatures have been provided, saving Estonia the equivalent of 2 percent of gross domestic product every year,” says Kaspar Korjus, managing director of e-residency, speaking from the capital Tallinn.

In 2005 i-voting was introduced; Estonia started using in 2008, a year before it was used as a decentralised, distributed ledger for bitcoin, and began its e-health program in the same year.

In 2014, E-residency was introduced aiming to create a digital nation for all, built on inclusion, transparency and legitimacy to empower citizens globally, and achieve worldwide digital and financial inclusion.

INCREASE THE VALUE OF EURT

The key factor which contributes to the increase in value of EURT is a means of payment in Ritva’s partners’ ecosystem.

Since the beginning, Ritva has talked to a number of promising tech startups in European region. For every startups we invested, we consistently bring out one critical condition which mentions the fact that those startups have to accept EURT as a preferred payment method. The success of those startups can only be seen in at least 2 or 3 years, however, when the fruitation comes, it’s definitely the great leverage for EURT’S price.

STORING YOUR EURT

Recently, Ritva has allowed investors to withdraw a proportion of EURT (ranging from 5 to 10 % as set forth in Ritva’s policy). Consequently, a natural question has been arisen, where should investors store their EURT?

It goes beyond any doubt that Crystal Wallet is now one of the most stand-out wallets due to its security features and user-friendly intuitive interface as well. Furthermore, Crystal Wallet is a high-tech product of Crystal Technologies Company, which supports for Ritva since the dawn of operation. Therefore, we highly recommend Crystal Wallet for the purpose of storing your EURT in order to secure your tokens and prepare for the upcoming development stages of Ritva.

GOLDEN TIME FOR INVESTING IN RITVA

Starting from September 1st, each newly activated account is eligible to receive 350 EURT, less than 50 EURT in comparison with the prevailing policy. Furthermore, since August 1st, investors may withdraw a portion of their EURT (ranging from 5-10% as set forth in Ritva’s policy) per each pool-up occasion of pool 6 and above.

It is noteworthy that, investors investing in Ritva, generally, before the beginning of September are getting the most beneficial position in Ritva’s network, therefore, having gained advantages from the new policy. Not to be mentioned, since EURT is withdrawable and transactable, the stage of further development of EURT has come, resulting in value-increasing of EURT.

According to the latest announcement, however, there are more than 20 days remaining for anyone seeking the safe place to make a little investment like 200 Euro, Ritva is certainly your call right now.

Europe’s Venture Capitalist Closing The Gap With Silicon Valley

The US venture capital industry was established as early as the 1960s and 70s, meaning it had a head start of a couple of decades on European VC. Naturally, it is more developed, with greater scale, depth and influence.

However, more than half of European firms have been active for over 15 years, meaning there is now a wealth of experienced fund managers who have seen multiple cycles and developed track records and sector-specific knowledge. This presents investors with a far more compelling investment proposition than might have been the case 10 years ago. Last year, Europe’s venture capital funds raised €14.8 billion, according to statista.com.