#20 – When is a Coin NOT a Coin? Avoiding ICO Pitfalls


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What’s The Difference Between Cryptocurrencies and Initial Coin Offerings?  The answer may surprise you.  Listen to Blockchain compliance expert Diana Adachi before turning your money into ether!


Can you balance a check book? Then you have used a ledger.

Blockchain is a ledger that is copied to many different computers, and uses cryptography to make it easy to see fraudulent changes.

Originally, blockchain was for cryptocurrencies, like Bitcoin.

More recently, companies started us Blockchain (tokens, NOT cryptocurrencies)  to raise money INSTEAD of selling stock.

in 2017, SEC stepped in; earlier in 2018 staring issuing subpoenas to ICO companies. Source: https://www.ccn.com/sec-subpoenas-80-cryptocurrency-firms-including-techcrunch-fund/

Definition of an “accredited investor” according to SEC: https://www.investor.gov/additional-resources/news-alerts/alerts-bulletins/investor-bulletin-accredited-investors

SEC guidelines for guidelines on ICO’s: https://www.sec.gov/ICO

Whitepaper: https://digitalchamber.org/token-alliance-whitepaper/


BRIEF BIO: Diana Adachi

Diana is the CEO of Pegasus Fintech- a blockchain, technology and token accelerator that supports regulatory compliant public initial blockchain offerings (PIBCO).
Previously Diana was at Accenture where she served as a Global Blockchain Solutions Lead and she has co-authored several papers on the subject.  Diana was recognized as one of for her work in Blockchain.


Published by

David W. Schropfer

David W. Schropfer is the CEO of SAFE (Smartphone Authentication For Everyone), a cybersecurity company in New York (www.theSafe.io).  Every day, he and his team of professionals keep the people who use The SAFE Button protected from some of the most common traps, hacks and attacks that target computer systems of all sizes. David is the author of the bestselling cybersecurity book, Digital Habits: 5 Simple Tips to Help Keep You and Your Information Safe Online. His previous books, including The Smartphone Wallet and industry whitepapers, predicted some of the biggest trends in the payments, mobile, and security industries.  Since graduating Boston College, David earned an Executive MBA from the University of Miami.

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