"After several renowned law firms such as DLA Piper, CMS Hasche Sigle and Kapellmann, the Federal Bar Association (BRAK) has now also been hit. There was a ransomware attack on the Brussels office, which is supposed to represent the German legal profession at the European institutions."
"According to a statement from BRAK, the hackers are said to have captured around 160 GB of data."
or - even better - :
" Our governing elites represent no one but themselves and their cronies, and they don’t welcome shocks to the system."
thanks for this link
There is no obligation on the dealer to take special precautions against his emails being hacked.
The managing director of a company bought a car for 13,500 euros over the phone and arranged for the invoice to be sent by e-mail. He received two emails in a row with the same bill, but the second one had a different account in the footer. This account was held by a private individual, a hacker. Although this second e-mail contained conspicuous linguistic errors and – unlike on the phone – used his surname, the man paid EUR 13,500 to the foreign account. The seller, on the other hand, waited in vain for his money. It turned out that the second email did not come from the car dealer, but from a hacker. He had hacked the seller's e-mail account and, like in the case of other customers, exchanged the bank details on the invoice. The seller initially unsuccessfully sued the Mosbach Regional Court for payment of the purchase price, but was successful in the appeal instance before the Karlsruhe Higher Regional Court.
The court: Since the contractual partners had not discussed the mutual security precautions, it is questionable what obligations exist when sending e-mails in business transactions. There is no obligation on the car dealer to take special precautions against his emails being hacked.
OLG Karlsruhe, Judgment of 07/27/2023 - 19 U 83/22
The managing director of a company bought a car for 13,500 euros over the phone and arranged for the invoice to be sent by e-mail. He received two emails in a row with the same bill, but the second one had a different account in the footer. This account was held by a private individual, a hacker. Although this second e-mail contained conspicuous linguistic errors and – unlike on the phone – used his surname, the man paid EUR 13,500 to the foreign account. The seller, on the other hand, waited in vain for his money. It turned out that the second email did not come from the car dealer, but from a hacker. He had hacked the seller's e-mail account and, like in the case of other customers, exchanged the bank details on the invoice. The seller initially unsuccessfully sued the Mosbach Regional Court for payment of the purchase price, but was successful in the appeal instance before the Karlsruhe Higher Regional Court.
The court: Since the contractual partners had not discussed the mutual security precautions, it is questionable what obligations exist when sending e-mails in business transactions. There is no obligation on the car dealer to take special precautions against his emails being hacked.
OLG Karlsruhe, Judgment of 07/27/2023 - 19 U 83/22
https://github.com/nostr-protocol/nostr - kind of the starting point on github ...
btw: is there some kind of nostr - whitepaper out there ?
as I have not heard of a nostr - whitepaper from the (my) start, I would say: no. But who knows! Is there ?
- me trying desktop client LUME
- thanks to
where I got this recommendation from
Running Lume, fighting for better future, join us here: https://lume.nu
What is Hawala ?
Federal Court of Justice - BGH (Germany): "It is illegal."
https://www.investopedia.com/terms/h/hawala.asp
- this definition (" informal method of transferring money without any physical money actually moving") does not fit -
- in all cases reviewed in German Courts - it was physical money, which was transferred-
this man - totally different context - but true:
https://twitter.com/tomharari/status/1681680112394149890?s=20
is he aware ?
false argument:
Bitcoin - excessive energy consumption
>>
securing the world´s next money, best money ever,
https://twitter.com/MitchellHODL/status/1681659105700724736?s=20
>>
there is nothing more reasonable and worthwhile, then to secure wealth, energy, thus store / conserve human life time !
Only because it is the unknown, it is not the irrational.
Ursache - Wirkung ?
Teilreserve-System (fractional reserve banking) der Banken >> Angst vor Bankenansturm
https://twitter.com/octopus_olaf/status/1681941693103259649?s=20
"Damit ist es möglich, im Mindestreserve-System die Geldmenge des zugrundeliegenden Währungssystems weit über das Niveau der tatsächlich hinterlegten, zur Verfügung stehende Reserve auszudehnen."
https://de.wikipedia.org/wiki/Mindestreserve-System
"ausdehnen" ?
Im Anwaltsbereich nennt das der Gesetzgeber
"Veruntreuung von Mandantengeldern" und das (die Veruntreuung) ist strafbar. Noch besser: selbst das Einzahlen von Mandantengeld auf ein Geschäftskonto des Anwalts sieht der BGH in bestimmten Fällen schon als Veruntreuung an, strafbare Untreue, § 266 I StGB.
Das Teilreservesystem der Banken ist das Übel.
Nicht der Versuch des Sparers sein Geld (Guthaben) von der Bank abzufordern.
Diese Nachrichten lassen nicht im Ansatz erkennen, dass wir als Gesellschaft dieses Problem erkannt haben.
"Bankenansturm" - damit kann doch bitte nicht wirklich der Versuch des Bankkunden gemeint sein, sein Geld abzuheben!
Bankräuber, Einbrecher, Geldautomatensprenger ... ja, die stürmen in gewisser Weise die Bank. Aber doch bitte nicht der Bankkunde, der sein Geld abheben möchte.
Völlig falsches Narrativ, m.E.
just in cast .... you want to know some details concerning a legal entity in Germany...
since august 2022 the "login" for the register is free, in fact, there is no login any more:
https://www.handelsregister.de/rp_web/welcome.xhtml
go to "advanced search" and get whatever details of the company you are interested in you need
this medium sized German VR Bank
https://twitter.com/VR_BayernMitte/status/1681391869190602781?s=20
is trying to educate it´s customers how to get BTC in self-custody (KYC-ed), as a starter not too bad.
Niko Jilch made a podcast with one of the executives, @andreas_streb,
https://twitter.com/NikoJilch/status/1681197410985426945?s=20
, nice.
What the VR Bank Bayern-Mitte, what @andreas_streb, did not get yet: that it could foster business with like-minded businesses to spread the word and this would, most likely, be useful for the VR Bayern-Mitte as well. So, the VR Bank Bayern-Mitte explicitly did not open a EUR-bank account for a (foreign) BTC-only onramp-business. It acted bad-ass.
One of their advisers: @JoeMartinDE, a journalist, doing ads for them
https://twitter.com/JoeMartinDE/status/1673298098490167297?s=20
https://twitter.com/JoeMartinDE/status/1673752771550494720?s=20
and is speaking of the bank as “BTC Supporter”.
Legally, seemingly, the bank believes to be backed by the lack of any obligation / compulsion to transact / to contract. Where there is no compulsion to contract, a potential customer (private or business) has no legal right to get a bank account at any given bank. Although there is such a legal compulsion for some banks in the EU / Germany to open bank accounts to a consumer (private customer, so called basic-bank-account), there is none for businesses.
https://eur-lex.europa.eu/legal-content/EN/TXT/HTML/?uri=CELEX:32014L0092
Swiss banks are more business oriented; especially for start-ups / ICOs they tried to boil down some guidelines (2019), how banks should deal with applications from small and medium sized start-up businesses.
Even theses guidelines do not apply to the maintenance of cryptoasset accounts for clients.
And: “There is no legal obligation on the part of SBA (Swiss Bankers Association) members to open accounts.”
For (foreign) businesses in Germany the situation is dire.
“. Eine Pflicht zum Vertragsabschluss besteht grundsätzlich nicht. Der gesetzliche Anspruch auf Abschluss eines Basiskontovertrages nach § 31 Zahlungskontengesetz gilt lediglich für Zahlungskonten von Verbrauchern, nicht hingegen für Geschäftskonten. Auch der in einigen Bundesländern existierende sog. Kontrahierungszwang der Sparkassen gemäß Sparkassengesetzen bzw. Sparkassenverordnungen (s. etwa § 5 SpkG-NRW, § 5 Abs. 2 SpkO-BY) führt, soweit ersichtlich, lediglich zu einem Anspruch auf ein Girokonto für natürliche Personen. Ferner kann die Sparkasse die Aufnahme oder Fortführung der Geschäftsbeziehung im Einzelfall aus wichtigen Gründen ablehnen.
Quelle: Dr. Joachim Püls
Notar
Mitglied der Notarkammer Sachsen
März 2020”
So, the VR Bayern-Mitte is underperforming vehemently, imho.
What a BTC-related start-up could possibly do in this situation is to open a small Ltd. in Germany (called UG, kind of a small GmbH), define in the set-up-process what exactly the business area should be and then open a bank account in Germany. As the deposit of the share capital, required by law, is done by bank transfer, a bank account in Germany (some German or EU-bank, based in Germany) is not only paramount, but essential. If the tax authorities involved in the set-up gave their o.k., there is always a bank to contract with for an account.
attorney Michael Wahl
listen, in my case, I got the impression, that it took zapplepay some hours to "digest" my string. Just wait for some hours; may be that might help.
big - huge - big - huge shoutout to
the LNbits team, ben@lnurl and folks
https://www.youtube.com/watch?v=lqV0XkOlcCs
super hot stuff
how do i know, that the pharmacist is not misbehaving ? And, what´s more, I do not think, that the prescription is what is most worthy to be protected. I think most countries use diagnosis codes, right, so that not everybody can easily decipher. In Germany we have right now a lively discussion on the electronic health records.
nothin has changed since
Jeff, the saying goes: we are so early, right?
It´s not only #Nostr << >> Twitter.
Today I saw a conversation (does not matter where); it went:
_______________________
new user (NU):
"I created an account on https://... Can I use it for live transactions?"
maintainer 1 (M1):
"only if you trust the operator of that website."
NU:
"if it can not be trusted, why it is listed on your site? How can I know which one is trusted.
Can you please suggest what should I use? send me the details please."
M1:
"thats not how it works. This is a community effort and those are community run instances. The best solution is to run one yourself.,"
M2:
"@a..... use your own like https://www..........."
(one click installation)
NU:
........empty for now ............
_____________________
Uff
good question, brought up to us:
Is there an obligation under German or European law for banks (privat / or + and / public) to provide their services to (KYC-ied) on-(and off-) ramp-services ?