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        <title>Lowyat.NET: Latest topics by colmi</title>
        <description></description>
        <link>http://forum.lowyat.net/</link>
        <lastBuildDate>Fri, 05 Jun 2026 04:58:51 +0800</lastBuildDate>
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            <title>--- deleted ---</title>
            <link>http://forum.lowyat.net/topic/5522512</link>
            <description>sorry wrong forum.</description>
            <author>colmi</author>
            <category>Bitcoin &amp;amp; Cryptocurrencies</category>
            <pubDate>Sat, 10 May 2025 20:31:43 +0800</pubDate>
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            <title>I am trying out interest rate arbitraging</title>
            <link>http://forum.lowyat.net/topic/5509131</link>
            <description>I noticed that I can borrow Polkadot (DOT) from Binance at 5.31% and transfer them to Nexo to earn 12% interest.&lt;br /&gt;&lt;br /&gt;In theory, the more I borrow, the more I earn. The longer I repay, the more I earn.&lt;br /&gt;&lt;br /&gt;Let&amp;#39;s see how it goes after a few months.  &lt;!--emo&amp;:cool2:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/cool2.gif' border='0' style='vertical-align:middle' alt='cool2.gif' /&gt;&lt;!--endemo--&gt; &lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;img src='https://thumbsnap.com/i/Pkzmzkpi.gif' border='0' alt='user posted image' /&gt;&lt;br /&gt;&lt;br /&gt;Borrow DOT (with collateral of course) from Binance at 5.31% interest&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;img src='https://thumbsnap.com/i/K1xPhsQb.gif' border='0' alt='user posted image' /&gt;&lt;br /&gt;&lt;br /&gt;Earn with Nexo at 12% interest.</description>
            <author>colmi</author>
            <category>Bitcoin &amp;amp; Cryptocurrencies</category>
            <pubDate>Sat, 15 Feb 2025 00:51:10 +0800</pubDate>
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            <title>I just found out I cannot deal in cryptocurrencies</title>
            <link>http://forum.lowyat.net/topic/5506766</link>
            <description>&lt;img src='https://thumbsnap.com/i/WZmXisx4.gif' border='0' alt='user posted image' /&gt;&lt;br /&gt;&lt;br /&gt;I was hoping to cash out my NEXO gains in Euro and off-ramp it to MYR using WISE</description>
            <author>colmi</author>
            <category>Bitcoin &amp;amp; Cryptocurrencies</category>
            <pubDate>Thu, 30 Jan 2025 19:17:23 +0800</pubDate>
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            <title>Hata 1 Luno 0</title>
            <link>http://forum.lowyat.net/topic/5506285</link>
            <description>&lt;a href='https://pictr.com/image/xpJN7X' target='_blank'&gt;&lt;img src='https://pictr.com/images/2025/01/26/xpJN7X.md.gif' border='0' alt='user posted image' /&gt;&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;The above is Luno.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;img src='https://thumbsnap.com/i/Z57KHBCQ.gif' border='0' alt='user posted image' /&gt;&lt;br /&gt;&lt;br /&gt;No problems sending from Hata to NEXO.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;I am done with Luno after using them for so many years  &lt;!--emo&amp;:bruce:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/bruce.gif' border='0' style='vertical-align:middle' alt='bruce.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>colmi</author>
            <category>Bitcoin &amp;amp; Cryptocurrencies</category>
            <pubDate>Sun, 26 Jan 2025 19:45:11 +0800</pubDate>
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            <title>NEXO thinks I got &amp;#036;100K to invest</title>
            <link>http://forum.lowyat.net/topic/5505240</link>
            <description>&lt;img src='https://thumbsnap.com/i/Y5sso6oX.gif' border='0' alt='user posted image' /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Just received this email from NEXO.&lt;br /&gt;&lt;br /&gt;I have not used them since 2020 and they are looking for more business after their rebranding late last year.&lt;br /&gt;&lt;br /&gt;I don&amp;#39;t have &amp;#036;100K to invest.  &lt;!--emo&amp;:P--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/tongue.gif' border='0' style='vertical-align:middle' alt='tongue.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>colmi</author>
            <category>Bitcoin &amp;amp; Cryptocurrencies</category>
            <pubDate>Sun, 19 Jan 2025 14:34:02 +0800</pubDate>
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            <title>Which is your favourite crypto exchange?</title>
            <link>http://forum.lowyat.net/topic/5505091</link>
            <description>Sorry if I missed out on your favourite.  &lt;!--emo&amp;:D--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/biggrin.gif' border='0' style='vertical-align:middle' alt='biggrin.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>colmi</author>
            <category>Bitcoin &amp;amp; Cryptocurrencies</category>
            <pubDate>Sat, 18 Jan 2025 11:19:59 +0800</pubDate>
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            <title>Sinegy finally upgraded their exchange platform</title>
            <link>http://forum.lowyat.net/topic/5505025</link>
            <description>&lt;img src='https://thumbsnap.com/i/t4fjRbfZ.gif' border='0' alt='user posted image' /&gt;&lt;br /&gt;&lt;br /&gt;&lt;img src='https://thumbsnap.com/i/EiC3VYw3.gif' border='0' alt='user posted image' /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;img src='https://thumbsnap.com/i/b5qH187n.gif' border='0' alt='user posted image' /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Existing users should get this email and you should activate your account on the new platform&lt;br /&gt;&lt;br /&gt;Remember to generate your new crypto wallets by clicking the DEPOSIT button</description>
            <author>colmi</author>
            <category>Bitcoin &amp;amp; Cryptocurrencies</category>
            <pubDate>Fri, 17 Jan 2025 18:44:17 +0800</pubDate>
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            <title>Binance could be making a comeback to Malaysia</title>
            <link>http://forum.lowyat.net/topic/5504826</link>
            <description>&lt;img src='https://thumbsnap.com/i/1V8uqWeq.gif' border='0' alt='user posted image' /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;a href='https://www.bitdegree.org/crypto/news/binance-and-uae-insights-fuel-malaysias-crypto-policy-plans' target='_blank'&gt;https://www.bitdegree.org/crypto/news/binan...to-policy-plans&lt;/a&gt;</description>
            <author>colmi</author>
            <category>Bitcoin &amp;amp; Cryptocurrencies</category>
            <pubDate>Thu, 16 Jan 2025 13:32:05 +0800</pubDate>
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            <title>Colmi 1     Luno 0</title>
            <link>http://forum.lowyat.net/topic/5504805</link>
            <description>I initiated an XRP send from my Luno account to my Binance account on 11th January.&lt;br /&gt;&lt;br /&gt;Luno did not allow the send to go through and locked my account.&lt;br /&gt;&lt;br /&gt;I got angry and threatened to report them to the Securities Commission of Malaysia.&lt;br /&gt;&lt;br /&gt;13 minutes after receiving my threatening email, Luno quickly released the XRP and unlocked my account.&lt;br /&gt;&lt;br /&gt;Must use threats to uphold our consumer rights.  &lt;!--emo&amp;:bruce:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/bruce.gif' border='0' style='vertical-align:middle' alt='bruce.gif' /&gt;&lt;!--endemo--&gt; &lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;img src='https://thumbsnap.com/i/dHFprY7N.gif' border='0' alt='user posted image' /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;img src='https://thumbsnap.com/i/roG6dy6j.gif' border='0' alt='user posted image' /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;img src='https://thumbsnap.com/i/ThzMPij5.gif' border='0' alt='user posted image' /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;img src='https://thumbsnap.com/i/GABdGQYh.gif' border='0' alt='user posted image' /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;img src='https://thumbsnap.com/i/Bs9fdwTn.gif' border='0' alt='user posted image' /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;img src='https://thumbsnap.com/i/pkZhPYKw.gif' border='0' alt='user posted image' /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;img src='https://thumbsnap.com/i/CivzZabt.gif' border='0' alt='user posted image' /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;</description>
            <author>colmi</author>
            <category>Bitcoin &amp;amp; Cryptocurrencies</category>
            <pubDate>Thu, 16 Jan 2025 11:48:12 +0800</pubDate>
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        <item>
            <title>I just joined HATA Malaysia today</title>
            <link>http://forum.lowyat.net/topic/5504525</link>
            <description>&lt;img src='https://thumbsnap.com/i/bNsmnrMq.gif' border='0' alt='user posted image' /&gt;&lt;br /&gt;&lt;br /&gt;&lt;img src='https://thumbsnap.com/i/EK19312b.gif' border='0' alt='user posted image' /&gt;&lt;br /&gt;&lt;br /&gt;Got better transaction limits than LUNO  &lt;!--emo&amp;:w--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/whistling.gif' border='0' style='vertical-align:middle' alt='whistling.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>colmi</author>
            <category>Bitcoin &amp;amp; Cryptocurrencies</category>
            <pubDate>Tue, 14 Jan 2025 17:16:43 +0800</pubDate>
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            <title>Luno needs to take video of me turning my head</title>
            <link>http://forum.lowyat.net/topic/5504027</link>
            <description>&lt;img src='https://thumbsnap.com/i/A7dVvnTZ.gif' border='0' alt='user posted image' /&gt;&lt;br /&gt;&lt;br /&gt;before allowing me to send some XRP to my Binance account.&lt;br /&gt;&lt;br /&gt;It will take 2 business days to approve and process.&lt;br /&gt;&lt;br /&gt;Anybody else has the same experience?</description>
            <author>colmi</author>
            <category>Bitcoin &amp;amp; Cryptocurrencies</category>
            <pubDate>Sat, 11 Jan 2025 13:42:49 +0800</pubDate>
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            <title>Total Binance users outnumber the population</title>
            <link>http://forum.lowyat.net/topic/5502813</link>
            <description>[twt]https://twitter.com/binance/status/1874738855502553381[/twt]</description>
            <author>colmi</author>
            <category>Bitcoin &amp;amp; Cryptocurrencies</category>
            <pubDate>Fri, 03 Jan 2025 22:14:13 +0800</pubDate>
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            <title>He is lucky Luno did not freeze his account</title>
            <link>http://forum.lowyat.net/topic/5502250</link>
            <description>&lt;a href='https://pictr.com/image/xzky7g' target='_blank'&gt;&lt;img src='https://pictr.com/images/2024/12/31/xzky7g.md.jpg' border='0' alt='user posted image' /&gt;&lt;/a&gt;</description>
            <author>colmi</author>
            <category>Bitcoin &amp;amp; Cryptocurrencies</category>
            <pubDate>Tue, 31 Dec 2024 17:26:43 +0800</pubDate>
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            <title>Anyone still using Remitano for P2P?</title>
            <link>http://forum.lowyat.net/topic/5501595</link>
            <description>&lt;img src='https://thumbsnap.com/i/9zKZBPLk.gif' border='0' alt='user posted image' /&gt;&lt;br /&gt;&lt;br /&gt;&lt;img src='https://thumbsnap.com/i/yUipgpYT.gif' border='0' alt='user posted image' /&gt;&lt;br /&gt;&lt;br /&gt;I just checked my account and surprisingly it is still there. Full level 3 verified.&lt;br /&gt;&lt;br /&gt;Last I traded was six years ago. Quite active there too.&lt;br /&gt;&lt;br /&gt;Ever since Luno was licensed by SC, I have stopped using Remitabo.&lt;br /&gt;&lt;br /&gt;They even have a Ringgit fiat wallet where you can deposit and withdraw MYR to your bank account.&lt;br /&gt;&lt;br /&gt;Those were the days  &lt;!--emo&amp;:D--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/biggrin.gif' border='0' style='vertical-align:middle' alt='biggrin.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>colmi</author>
            <category>Bitcoin &amp;amp; Cryptocurrencies</category>
            <pubDate>Fri, 27 Dec 2024 15:46:04 +0800</pubDate>
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            <title>It is time for me to invest in a hardware wallet</title>
            <link>http://forum.lowyat.net/topic/5500719</link>
            <description>&lt;img src='https://thumbsnap.com/i/S3YjjWH1.gif' border='0' alt='user posted image' /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;The question is, which brand should I choose?  &lt;!--emo&amp;:hmm:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/hmm.gif' border='0' style='vertical-align:middle' alt='hmm.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>colmi</author>
            <category>Bitcoin &amp;amp; Cryptocurrencies</category>
            <pubDate>Sun, 22 Dec 2024 14:19:44 +0800</pubDate>
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            <title>Is it safe to transact on a crypto exchange which</title>
            <link>http://forum.lowyat.net/topic/5500188</link>
            <description>The reason I asked is because KuCoin had suddenly &amp;quot;unverified&amp;quot; my account last year for unspecified reasons.&lt;br /&gt;&lt;br /&gt;I still have crypto assets on the exchange which I continue trading on the platform as usual.&lt;br /&gt;&lt;br /&gt;They say they are still verifying my account but never completed the process for over a year.&lt;br /&gt;&lt;br /&gt;Should I transfer all my KuCoin assets to Binance as a security measure?&lt;br /&gt;&lt;br /&gt;I am fully verified on Binance.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;img src='https://thumbsnap.com/i/4zGuX3NT.gif' border='0' alt='user posted image' /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;img src='https://thumbsnap.com/i/GsFB4KiX.gif' border='0' alt='user posted image' /&gt;</description>
            <author>colmi</author>
            <category>Bitcoin &amp;amp; Cryptocurrencies</category>
            <pubDate>Wed, 18 Dec 2024 16:44:05 +0800</pubDate>
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            <title>How much referral commission have you earned</title>
            <link>http://forum.lowyat.net/topic/5499570</link>
            <description>&lt;img src='https://thumbsnap.com/i/cpaiewe4.gif' border='0' alt='user posted image' /&gt;&lt;br /&gt;&lt;br /&gt;Here is my Binance accumulated referral earnings since I started.&lt;br /&gt;&lt;br /&gt;Not sure whether 0.01 BTC (US&amp;#036;1,000) is a decent figure or not  &lt;!--emo&amp;:unsure:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/unsure.gif' border='0' style='vertical-align:middle' alt='unsure.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>colmi</author>
            <category>Bitcoin &amp;amp; Cryptocurrencies</category>
            <pubDate>Sat, 14 Dec 2024 15:25:20 +0800</pubDate>
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            <title>Mummy, why am I not a Malaysian?</title>
            <link>http://forum.lowyat.net/topic/5479558</link>
            <description>[YOUTUBE]MePk9UyCUaQ[/YOUTUBE]</description>
            <author>colmi</author>
            <category>Kopitiam</category>
            <pubDate>Sat, 31 Aug 2024 08:40:35 +0800</pubDate>
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            <title>Malays cannot continue to be spoon-fed, says Anwar</title>
            <link>http://forum.lowyat.net/topic/5479028</link>
            <description>&lt;br /&gt;Faisal Asyraf --- 28 Aug 2024, 10:20 PM&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;SHAH ALAM: The Malay community cannot continue to be spoon-fed despite needing help with education, says Prime Minister Anwar Ibrahim.&lt;br /&gt;&lt;br /&gt;In a speech read by deputy prime minister Fadillah Yusof at the celebration of Universiti Teknologi Mara’s 25th anniversary, Anwar said it was important that UiTM help the Malay community progress until it could stand on its own.&lt;br /&gt;&lt;br /&gt;Anwar said the history of UiTM must be understood within the context of the challenges and issues surrounding the education of the Malays.&lt;br /&gt;&lt;br /&gt;He said prominent Malaysian writer Zainal Abidin Ahmad once noted that poverty for Malays did not just refer to material wealth, but also the lack of education, knowledge, and aspirations among the community.&lt;br /&gt;&lt;br /&gt;It is because of this backwardness and poverty that UiTM remains relevant today, he said.&lt;br /&gt;&lt;br /&gt;“We cannot escape the reality that Malays and indigenous people need enhanced educational support because many come from disadvantaged backgrounds.&lt;br /&gt;&lt;br /&gt;“Nevertheless, Malays cannot continue to be constantly spoon-fed until they become overly dependent on others.&lt;br /&gt;&lt;br /&gt;UiTM’s role is to bring educational progress to the Malays and Bumiputeras, until they can stand on their own and contribute to the economy.&lt;br /&gt;&lt;br /&gt;Anwar also praised UiTM for retaining and upholding the Bumiputera identity and schools of thought rooted in local contexts.&lt;br /&gt;&lt;br /&gt;UiTM, which was initially known as the Rida Training Hall, was established in 1956 with the goal of transforming Malaysia through the transfer of knowledge.&lt;br /&gt;&lt;br /&gt;Over the years, the institution changed its name from Maktab Mara to Institut Teknologi Mara (ITM). It was upgraded to Universiti Teknologi MARA (UiTM) on Aug 26, 1999.&lt;br /&gt;&lt;br /&gt;UiTM is now ranked 587th in the QS World University Rankings 2025, 98th in the QS Asia University Rankings 2024, and 151st in Asia in the QS World University Rankings: Sustainability 2024.&lt;br /&gt;&lt;br /&gt;UiTM has also developed the Al-Sultan Abdullah Hospital in Puncak Alam as a university hospital with a team of trained specialists, and high-tech facilities, providing healthcare services to the community.&lt;br /&gt;&lt;br /&gt;Tonight is not only about celebrating UiTM’s achievements as a university, but also about inspiring us to continue this academic journey with a forward-looking perspective and seizing opportunities to ensure this esteemed institution achieves even greater success, said Anwar.&lt;br /&gt;&lt;br /&gt;“UiTM has successfully fulfilled its vision and mission to develop the Malays and indigenous people … However, we must not become complacent with our achievements.&lt;br /&gt;&lt;br /&gt;Let us not be negligent, forgetful, or careless … Let’s strengthen our resolve to take UiTM to greater heights.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;a href='https://www.freemalaysiatoday.com/category/nation/2024/08/28/malays-cannot-continue-to-be-spoon-fed-says-anwar/' target='_blank'&gt;https://www.freemalaysiatoday.com/category/...fed-says-anwar/&lt;/a&gt;</description>
            <author>colmi</author>
            <category>Kopitiam</category>
            <pubDate>Thu, 29 Aug 2024 05:46:06 +0800</pubDate>
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            <title>Seagull and crow</title>
            <link>http://forum.lowyat.net/topic/5452251</link>
            <description>[video]https://thumbsnap.com/i/2f6Co9PX.mp4[/video]</description>
            <author>colmi</author>
            <category>Kopitiam</category>
            <pubDate>Thu, 18 Apr 2024 06:00:03 +0800</pubDate>
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