The Living Thing / Notebooks :

Transferring money

Sick of your financial data being used to find out things about you that even you didn’t know?

Sick of usurious international transfer fees?

Dammit, but how do you do international payments without them?

Credit cards

They track my expenditure and keep on trying to persuade me that my transactions are fraudulent, which is very frustrating when, e.g. they reason that last transaction came from a different country was that I was in a different country and please could I have that plane ticket after all I want to go home?

Bitcoin and blockchain protocols

See Blockchains for various non-financial uses.

Bitcoins have a thriving, socially-awkard, tin-foil-hat-totin’ community, but are useful. For example, they are the cheapest way to get money across the border in many places. This has been useful even for me, as a normal non-gun-smugglin’ guy who happens to move country often, and doesn’t like paying a 5% conversion tithe between countries with weak banking ties, such as Australia and … anywhere which is not Australia.

However, my exchange rate when buying bitcoins in Australia has been terrible of late; I’m no longer sure these are a great idea. I ended up paying 8% on my last transfer after all the fees were deducted, which is worse than bank rates. My plain credit card came out better.

Bitcoins have lots of howto guides. e.g..

Ripple? Ledger designed for cross-currency remittances, apparently.

decred, maybe? Does Etherium do this?

How to convert bitcoins to/from cash:


Odious company, rather expensive, but widely accepted despite their deficiencies because of lock-in.

Envelope full of cash

Usually illegal, AFAICT. Risky.


Good escrow services? I don’t know, but here are some I found.

Other alternatives

OKPay? Some kind of augmented mobile-first, developing-nation-friendlier payment system? Ripple? (Distributed?) Ledger designed for cross-currency remittances, apparently.


Decred is an open and progressive cryptocurrency with a system of community-based governance integrated into its blockchain.


Unlike bitcoin, seems to be oriented toward anonymity, which bitcoin is not especially good at.