Payvo is coming, and it is going to be our best wallet yet! Read on to find out everything that has changed since our last update, including the transition from a desktop app to a fully web-based application. There is a lot to cover, so let's get straight into it!

#Payvo is Now 100% Web-Based
When we set out to build a next-gen wallet, we had a few key goals in mind:

1. Payvo needs to be the best white label out-of-the-box solution possible.
2. Payvo needs to easily integrate with any ARK-based network.
3. Payvo needs to be user and developer friendly while featuring the intuitive interfaces we have become known for.
4. Payvo needs to be modern and future-proof.
5. If you have spent any time with Web3, then you are probably familiar with the major shift towards web-based interfaces for both DeFi and wallet management. The truth is, desktop applications are outdated, so we need to make sure that we keep up with industry standards and trends. There are a lot of benefits with a move towards a web-based application, so let's take a look at a couple of the most important ones.

#Payvo Will Always be Up-to-Date
One of the most frequent support emails we get is that someone cannot see their funds, or they stopped receiving rewards from their delegate, or that their wallet is, in some way, failing to properly update the network data. In almost all cases, the solution is to update the wallet to the latest version.

With Payvo, you will always be up-to-date, meaning you will no longer have to worry whether you have the most recent version or not—it will just work. Period.

This also means that it is easier for us to push regular updates and make changes without disrupting you as the user. This leads to a better development cycle and an ability to create a more seamless interface for the end user.

#One App, Multiple Operating Systems
With the shift to a web-based application, Payvo will effectively become 'one-size-fits-all.' Whether you are on a desktop, laptop, iPad, or mobile phone, Payvo will provide a unified experience across all of your devices. Simply access the URL, and you are off to the races!

This greatly benefits developers who no longer need to maintain multiple codebases or submit to Apple or Google for approval of the mobile app. This greatly reduces the time required to get your fork up and running and makes maintenance easy.

Not only that, but the web-based application eliminates some of the restrictions caused by the previous use of Electron. This will make some features more efficient and easier to work with (such as web workers). Payvo also loads faster, runs smoother, and generally provides a better experience for both users and developers.

#White Label and Built for ARK
The shift to a web-based application is merely one of the only major changes with Payvo. We have spent a lot of time looking at our goals as a company and have put significant effort into getting back to basics. While we originally envisioned Payvo as a multi-wallet that would support BTC, Ethereum, and other assets, we feel like we need to stay squarely focused on providing the best possible solution for the ARK Ecosystem and those who fork the ARK Blockchain Framework.

As such, our goal is to make Payvo the best possible white-label solution for ARK Based networks and focus on making it plug-and-play within the ecosystem. With this change, we will also be moving away from running 'Live Service' applications directly from the ARK Ecosystem, SCIC. Everything that we build will be freely available as open-source software for anyone to run. We do not want to be the single point of failure nor pick and choose which networks matter the most. We love all of our bridgechains and want to give each and every one of them the opportunity to provide a robust application suite and set of features to their communities.

All we ask is that you leave the license in place, give us credit where credit is due, and if you get famous, give us a shout and let us know all the cool stuff you are doing!

#So When Can We Use Payvo?
We expect to have a public beta version available within the first half of March. The beta version will be fully functional and support the following features:

Fully Customizable Networks - Decide which networks you want to see inside the wallet as well as those you don't want to interact with.
Custom Networks - Add any v2.7+ Core-based network to the Payvo Wallet by providing a valid node address.
Server Management - Add your own custom nodes for interacting and/or broadcasting transactions. You are in full control (if you want to be).
Swap Integration - Payvo will come with built-in integration for both ChangeNow and Changelly at launch.
News Feed - Payvo will feature a news feed powered by FTX (previously Blockfolio) for relevant (listed) networks (only ARK at launch).
We could not be more excited to get Payvo into your hands. We believe these changes make for the best wallet we have ever produced and will provide for a more robust, futureproof white label solution for ARK Based Blockchains. Stay tuned to our blog so you do not miss out on the upcoming Beta. We cannot wait to hear all your feedback!

A Smart Contract Call Record
Contract calls are interactions with smart contracts in the form of transactions. This is an important metric to see growth in the adoption rate of mainnet smart contracts. Since July 2020, the amount of contract calls has increased to 1,209% of the July total.

Every month we've seen a new record in the number of contract calls (except for November, which had a 10% drop).

January saw a 22% increase compared to December. At 22% it sounds ok, but if put this growth into perspective, we see that that 22% is 2.2 times the total amount of contract calls in July last year. We're witnessing exponential growth.

If we're looking at developer activity, we also continue to see growth in activity. In December, we saw an average of 700 daily new deployments on testnets. But in January, we see an average of 930 daily new deployments.

February is set to bring a lot of new launches and milestones.

Edo
The latest protocol upgrade will go live on mainnet in the second week of February. This is a feature-packed upgrade that includes privacy features.

This means that developers can easily integrate privacy into their smart contracts, which will enable them to provide private transactions and develop "privacy-conscious" applications.

Edo also introduces Tickets. Tickets is a convenient mechanism for smart contracts to grant portable permissions to other smart contracts or to issue tokens.

Tickets will be improving challenges like concurrency, which is a general issue developers face, especially in decentralized smart contract platforms.

Tickets also enable a more efficient way of interacting between contracts. It will enable self-custody of first-class coins/token permissions and improve the developer experience.

These are just a few of the advantages Tickets will bring and you can read more about tickets here.

Kalamint
Kalamint is a platform that can be used to create, sell and collect NFT's. Besides the advantage of low Tezos fees over high fees on Ethereum-based NFT platforms, Kalamint will have a unique governance design that includes a Guild.

We'll do an extensive article on Kalamint before they launch the platform on the 18th of February.

TEZEX
TEZEX is a cross-chain gateway to Tezos. It will enable value to come from Ethereum to Tezos DeFi in a few clicks. After that, users can move away from the current fees on Ethereum, and experience a drop in costs that is on average 3,000 times cheaper on Tezos.

When TEZEX launches, another crucial instrument joins the Tezos DeFi landscape.

Quipuswap
This is the second Decentralized Exchange (DEX) that is built on Tezos. Chances are that it will launch in February. This does, however, depend on the progress of the external audit of Quipuswap.

Kolibri
Kolibri is an algorithmic stable coin, built on Tezos and backed by XTZ. A February launch of Kolibri could be a bit optimistic to expect, but a testnet was released in the beginning of January, so there has some significant progress.

1,000,000 accounts
In February, Tezos will quite likely reach the milestone of 1,000,000 funded accounts.

With currently 945,284 funded accounts, and  97,253 new funded accounts in the past 30 days, ~55,000 account are likely to get created this month and break the 1 millionth milestone.

Neo community developer Robert Oschler has won second place in the SocialFi category of the Metaverse Alliance hackathon. Oschler's project, Neo3D Live, is a 3D metaverse world that allows users to interact with one another's avatars and participate in events like real-time auctions.

Oschler developed Neo3D Live so that anyone in any part of the world can access the 3D world, regardless of their ability to purchase powerful equipment. Neo3D Live was designed for most of the world's internet users – those without VR headsets or high-end equipment. He said:

Let Metaverse residents form meaningful connections in a virtual world that will run on common hardware, including the millions of smartphones that may be the only link to the Metaverse a citizen in an economically disadvantaged region has. This is a link that has the true power to uplift the millions, if not billions of hard-working, intelligent, decent human beings who have the misfortune of being born in a region that is not economically gifted like other parts of the world.

The platform leverages the ThreeJS graphics library, a graphics engine that is widely accessible. Neo3D Live runs on almost any browser and device, so there is no need for high-powered computer setups.

The platform's beta version allows users to congregate in a digital 3D environment. Real-time video conferencing is embedded into the moveable characters, so participants can see those they're communicating with via live video feed. Oschler said, "By combining true video conferencing where participants can see each other's faces as they talk to one another and move about a fun virtual world, people can once again feel the natural human joy of forming groups based on both social and spatial relationships like they would at a party or a shopping mall."

Oschler also incorporated other elements to make the space feel more natural and interactive. In Neo3D Live, intelligent objects are embedded in the virtual world, responding to an avatar's presence. For example, walking up to a wall with an embedded YouTube video will trigger the video to begin playing. And to create a more real-life experience, a user can hear the sounds of their movements and that of others around them.

NFT Showcase
The first demo of Neo3D Live included the NFT Showcase, a custom room where an individual can purchase an NFT on auction. A demonstration of the live auction can be found below:

The NFT designer can determine who can participate in the Showcase by whitelisting public wallet addresses on Neo N3.

The Neo3D Live smart contract supports derivative commissions, so collectors can earn profits when they sell an artist's NFTs if the artist grants them that right. Further, Oschler intends the NFTs bought and sold through Neo3D Live to be viewable and transferable via third-party marketplaces (i.e., Sky Hut, GhostMarket).

Looking forward, he aims to develop and release a drag-and-drop toolkit (that doesn't require coding ability), so anyone can build a virtual world.

Tezos has secured a partnership with French esports giant Team Vitality. The three-year deal aims to bring Team Vitality closer to its fans than ever before by leveraging Tezos' energy-efficient blockchain.

Tezos Enters Esports Space
Tezos has entered into another game-changing partnership.

The Layer 1 blockchain, which prides itself on energy efficiency, announced a three-year partnership with French esports organization Team Vitality Thursday. Although details about what the partnership entails are still vague, Team Vitality stated that the deal would "revolutionize" its fan experience.

As part of the new deal, Team Vitality explained that the collaboration would help educate their fans on the benefits of blockchain as part of the gaming experience and showcase the advancements of these technologies. Additionally, the organization's CEO Nicolas Maurer explained what the partnership would mean for the esports team, stating:

"This is truly a game-changing partnership for Vitality, which feels appropriate given 2022 is set to be the biggest year in our history. The opportunities Tezos can bring to strengthen the relationship between us and our fans is incredibly exciting, and we're immensely proud to have Tezos join us on this journey."

For Tezos, the partnership appears to include brand visibility, possibly in the form of sponsorship logos on Team Vitality players' jerseys. "Tezos will be represented by top-performing Team Vitality rosters and star athletes and through unrivaled brand visibility across the esports ecosystem," Team Vitality said in a press release.

Last year, Tezos signed several major partnerships to boost its visibility. In June, Tezos made deals with Formula One racing teams McLaren and Red Bull Racing to launch collectible NFTs. Both teams stated that Tezos' low carbon footprint factored into partnering with the blockchain.

Last month, video game developer Ubisoft announced it would be launching NFTs on the Tezos-based Quartz platform, only to be hit with severe backlash from the gaming community. Despite this, Ubisoft put out a statement confirming that it will still pursue non-fungible tokens, explaining that the move is "a major change that will take time."

Despite attracting a lot of attention from brands, Tezos has otherwise struggled to gain significant momentum in the crypto space in recent months while other competing Layer 1 blockchains have seen huge growth. Musicians, artists, and art collectors appear to be some of the blockchain's biggest enthusiasts (besides Ethereum, Tezos is arguably the biggest hub for digital art NFTs, and it's also hosted NFT collections from the likes of Mike Shinoda and Doja Cat).  

Through its new partnership with Team Vitality, Tezos will be hoping to attract a new demographic of esports fans. However, after how poorly Ubisoft's foray into NFTs was received, whether Team Vitality's fans will be receptive remains to be seen. 

What is multi-signature?
Multi-signature, also known as Multi-sig, which is a digital signature that allows multiple users to sign one transaction. To address in a simpler way, an account that is owned, managed, signed by more than one party.

In most cases, there is only one private key that manages a single account, which we call it 1/1. Multi-sig is different, it goes m/n, "n" refers to the amount of private keys that are authorized to sign for the account, transactions only take effect when the number of signatures reaches to "m". In this case, "m" must be less than or equal to "n".

How is Multi-sig applied in cases
Multi-signature has many use cases in account authority management.

Assets management
Multi-sig greatly enhances security level by allowing multiple people managing one account using different private keys, which lowers the risks of assets being attacked.

Redundancy
By managing one account with Multi-signatures, even if one of the signatories lost the private key, the rest of them can still get access to the account that is being protected by multi-sig.

Department Authorization
A matter that must be approved and signed by multiple departments before it takes effects. Every signature can be traced and it is transparent to all parties.

Assets that supported by NULS Multi-signature
Our multi-sig comes as a DApp, which is compatible to NULS and NerveNetwork blockchain The Multi-sig DApp can be used to manage NULS and Nerve mainnet asset , also including assets bridged from Ethereum/Polygon/Arbitrum/BSC/Heco/OEC/Cronos and other blockchains to NULS through NerveBridge(currently not compatible with NRC20 assets )

A quick starter on NULS Multi-sig DApp
How to use Multi-sig DApp in NULS network

Connect Wallet
To get access to multi-sig DApp, connect wallet by Nabox or Metamask.
Click & Down extension wallet here.

NULS POCM (Proof of Credit Mining) platform was established in July 2019, the number of our SCO partners has increased 10 times within 2 years. Some of the SCO projects such as ALEPH, GGTK, SmaugsNFT have accomplished amazing progress with the community support provided by NULS in their early phase, our SCO investors also gained quite good profits participating in the SCO projects. We are very happy to witness this double win situation and we, the NULS team, will keep moving forward to provide more benefits for our SCO partners and NULS investors.
NULS POCM is probably one of the simplest ways to invest in the initial market without any financial risks. Investors stake NULS in our POCM platform to earn tokens from our SCO projects.

There are 2 ways to participate in our SCO projects now:
Stake in SCO projects on web wallet（https://pocm.nuls.io）
Stake in SCO projects on Nabox mobile Wallet. Download Nabox: (https://nabox.io)

We have been continuously receiving suggestions and feedback from our community members and SCO partners and investors ever since the POCM platform was established, to provide a better user experience, we have now updated our product in the following aspects:
Crossed-chain assets will be able to create POCM directly. New SCO projects investors no longer need to swap tokens on NeerveDEX (https://nervedex.com)
SCO projects creators give extra rewards to node owners according to their own wills.
SCO staking APR will be seen on the POCM page.

POCM page will show the current staking details such as the amount of NULS staked, the profits earned, etc
We reconstructed the staking logic.
Useless nodes will be deleted automatically to improve user experience.

NULS POCM staking platform now supports projects from ETH, BSC, NULS, Heco, OEC, Polygon, KCC, Tron, Harmony. We will be adding more diversities in the future to meet various needs from users.
About NULS POCM

POCM (Proof of Credit Mining) is an SCO Platform that allows projects to use smart-contracts to issue and distribute project tokens on blockchains. Got NULS? Stake into a project's nodes and earn their token as reward, while the project earns NULS as reward. Projects can use the NULS consensus rewards to bootstrap and help fund development. Unlike IEOs and ICOs, stakers never risk their principal, and NULS never leave their wallet. Earn project tokens while your device is off! As a universal SCO Platform, POCM can be used to issue and distribute tokens and assets from any public chain in any blockchain ecosystem.

The fourth installment of the From Ethereum to Neo video series by community developer Robert Oschler has been released. This resource for new Neo developers was launched following a grant from Neo News Today and is intended to help onboard existing Ethereum builders.

Lesson four looks at the payment processing flow on Neo N3, including a dive into the onNep17Payment functionality, context regarding how decimals are handled in tokens, and how to validate access to contract methods with CheckWitness.

Developers interested in joining future interactive labs for the series can sign up for the mailing list here. The video series should be watched in order and can be easily viewed via the provided playlist.