What's Atomic Wallet? This is Universal Multi-Assets Wallet Atomic Wallet provides a powerful, in-demand service that allows users to reduce effort spent on managing crypto assets​ and makes it transparent and reliable. **Atomic Swaps – The Solution To The Exchange Problem** The problems with centralized exchanges Centralized exchanges are useful in that they provide people with a means of accessing revolutionary technology that could eventually entail a complete exit from the fiat financial infrastructure. While they are a crucial step, ultimately, the cryptocurrency industry will need to remove them for good to continue its evolution towards a fully equitable decentralized system of exchange. Centralized exchanges are costly, some charging in the region of 8% for trades, an unacceptable figure. This is also the cost of Bitcoin ATMs. While it is possible to avail of lower fees, it takes time and knowledge. Binance and Kucoin are newer exchanges that are better across the board. Centralized exchanges are extremely vulnerable to hacks, as has been demonstrated time and time again, with the massive loss of user funds. There is also the risk of an exchange simply running off with user funds, aside from a hack. Another problem is the verification procedures and not just the appalling times due to pointless KYC requirements. Exchanges such as Coinbase are being compelled to give away customer data so that government departments can harvest money off of taxpayers. The ethics and rationale for taxing digital assets are quite thin. Usually, governments can hide behind a veneer of logic, as they regulate certain industries and provide infrastructure. **The atomic swaps solution** With all this in mind, atomic swaps could well be the solution. An atomic swap is a peer to peer swap without a middleman. No trust is necessary. The word ‘atomic’ means that the transaction happens completely or not at all. In an atomic swap, the transaction takes places at the same time, a...