A move above the middle line of the parallel channel could take it to new yearly highs. KeepKey 4. Wallet technology is open source under MIT license. Exodus is not fully open source, although you can see certain individual components on their Github. Like BRD, Edge gives you the ability to trade cryptocurrencies from within the wallet. Visit Electrum. Example Bitcoin Address: Restore your wallet with generated backup phrase if the hardware is lost or damaged. There are a number of trusted generators that you can use to create a paper wallet. Numerous privacy features including: Allows you to restore your wallet using a backup phrase. Free options like ethereum classic etf banking directly to bitcoin, desktop, and online wallets are also covered in this guide. Ledger Blue Two words come to mind when looking at the Ledger Blue: Edge views 12 or 24 word paper keys as a security risk. They believe this opens the door to keyloggers and screen capture malware. This is a simple application for your computer that will allow your hardware wallet to communicate with the Trezor web wallet interface.
Visit Samourai. What we find most annoying coinbase closing in usa how to withdraw bitcoin to bittrex the Ledger system is the fact that you have to open apps from your device. You can also navigate to these sites directly. Paper Wallets. About Advertising Disclaimers Contact. You need to take care of your seed phrase. How to buy Ethereum? This takes the security out of your hands and forces you to trust that the company will act in good faith. It's important to remember that Coinbase's primary function is to help users easily buy and sell cryptocurrencies. This is a very important feature. Ethereum technical analysis against Bitcoin and USD suggest a strong uptrend may come next week 1 week ago. Browse by wallet type or learn more about the different options: Exchange one crypto for another all from your mobile Edge wallet.
Desktop Software Wallets are computer programs that store your key pairs on your computer. Fees and estimated completion of your trade will be shown at this time. Compare Popular Online Brokers. Subscribe to CryptoSlate Recap , our daily newsletter containing the top stories and analysis. You can learn more about why hardware wallets are unanimously considered the best and most secure options here and read our incredibly thorough hardware wallet comparison here. If you're interested in securely storing any of the coins that are only supported by the Ledger Nano S, then we'd strongly recommend the Nano S for you. Stores your private keys offline on the device, protecting your Bitcoin and altcoins from malware. New computers you want to use will also need to install the bridge. You easily can add a wallet for any of BRD's supported tokens. Software is open source and has undergone 3rd party audits. For example:. Supported Coins as of August 18th, After doing this, your coins are only as safe as the software or online wallet you used. Ethereum technical analysis against Bitcoin and USD suggest a strong uptrend may come next week 1 week ago. Cardano also hopes to tackle issues related to international payments, which are typically both timely and expensive. Bolded coins indicate that a device is the only one of these options to support it. Coinbase does NOT give you access to your private keys, meaning you are not in full control of your funds! Learn more. Also, you usually do not have access to your private keys when using an online wallet. Of all the different wallet types, the mobile wallet space seems to be the most competitive.
When it comes to Bitcoin and multi-cryptocurrency wallets, many would consider mobile wallets to be the most convenient type of wallet to use. Well-protected no online thefts. Subscribe to CryptoSlate Research , an exclusive, premium newsletter that delivers long-form, thoroughly-researched analysis from cryptocurrency and blockchain experts. Two words come to mind when looking at the Ledger Blue: On the 4-hour chart, Ethereum can be seen trading inside a parallel channel since Apr. Users of BRD can easily send and receive cryptocurrencies. Buying and trading cryptocurrencies should be considered a high-risk activity. Select the cryptocurrency you want to trade for. Litecoin has been steadily increasing its market valuation since Dec. Usernames and passwords are never shared or stored on Edge servers. At a certain point, the amount of cash you have will make you want to fork over some of it to buy a safe. Ledger Blue Two words come to mind when looking at the Ledger Blue: Apply For a Job What position are you applying for? Some mobile wallets store your private key on your device, like desktop wallets. Download Atomic Wallet.
Given the diversity, the only question that remains is how to choose Bitcoin wallet that you really need? Jaxx Review. Ledger Nano S 4. These are physical pieces of paper with your private and public keys written on. EOS is notable for many other reasons. If this cryptocurrency keeps trading above the 50 MA it will continue the bullish trend it has been going. After setting up the bridge, you'll be able to fully interact with the Trezor web wallet interface. KeepKey Review. What BRD lacks in supported coins, it makes up with its beautiful design and intuitive user experience. Private keys are stored on your Android device and never master note cryptocurrency cryptocurrencies transaction volume. Sign up to stay informed. Metal frame with plastic casing. Good customer care is a sign of a good product. As a matter of fact, an ascending parallel channel can be drawn since that moment up to now on the 3-day chart. Compare Popular Online Brokers. A clear break of the upper or lower band could take Best to buy ethereum how bitcoin etf will effect altcoins to new highs or through a correction. Whereas Trezors have you enter a PIN code on your computer from an array of numbers shown on the devicesLedger devices require you to enter your PIN on the hardware .
Visit BRD. That being said, the Blue does function as a very easy-to-use choice that offers more coins than non-ledger competitors. For this reason, paper wallets are best for investors wanting to hold onto Bitcoin or Altcoins for a prolonged period of time. Users of BRD can easily send and receive cryptocurrencies. Byhe started traveling to spread is gambling for bitcoins legal how to verify bitcoin transaction word about Bitcoin. Wallet technology is open source under MIT license. This allows to use light wallets as a cold storage. Even though on Apr. At wallet creation, you'll be given a word paper key. Samourai Wallet.
Any of these would be a far more secure choice than using any non-hardware wallet. Edge then offers and encourages use of 2-Factor Authentication. You can view a guide to do this made by Edge themselves, here. Hardware wallets are by far the most secure way to store cryptocurrency. Free Visit BRD. Electrum's server code is open source. Fees and estimated completion of your trade will be shown at this time. Announcing CryptoSlate Research — gain an analytical edge with in-depth crypto insight. Bitcoin cash began its life in August of as a result of one of these splits. We'll get back to you as soon as possible. If you're interested in creating a Bitcoin or Ethereum paper wallet, we recommend this guide. However, this is likely due to the increased number of available altcoins and strict security measures put in place by the Ledger team. Jaxx Review. This recovery seed will be a string of random words, that can be used to access your private key.
Litecoin has been steadily increasing its market valuation since Dec. Customer Support. When choosing a bitcoin wallet, pay attention to its interface and the amounts you are able to operate with. Only supports Bitcoin. Works as websites which provide you with a service for funds management, exchange, buy crypto and cryptocurrency trading. It may be helpful to think of a private key as a password needed to send transactions. Now, ETH seems to be consolidating before its next move. Coinbase -Easiest to use. The options we've chosen are not only our picks for the best hardware wallets, but also our overall picks for the best wallets period. Financial Advice. Allows you to back up your wallets by creating a backup phrase at initial set up. If you own an amount of Bitcoin, Ethereum, or Altcoins that are significant to you, we highly recommend making security your main focus. Dash is a blendword for Digital Cash. Wallets can be restored using private keys on other wallets in the unlikely event Edge goes out of business. Coinbase Review. Paper Wallets, Bitcoin Core, etc. Of all the different wallet types, the mobile wallet space seems to be the most competitive.
Visit Trezor. Finding the right wallet for you is an important decision that requires you to consider a number of factors: Best Desktop Wallets. You can also navigate to these sites directly. How you electroneum mining how to solo mine emc2 coin mining your cryptocurrency is not something to take lightly. The applications on ethereum are run tool dao ethereum long-term prospects its platform-specific cryptographic token, ether. Cardano offers a platform for Dapps and smart contracts, like ethereum before it. It's comparable to the Ledger Nano S in our hardware wallet comparison. Edge does not require storing personal information such as email, name, phone, etc on their servers. Online Bitcoin wallets are generally our least recommended way to store Bitcoin. Often supports additional functions as Exchange or Buy Crypto. This can be used to restore your wallets if your device is lost or damaged. Supports all of the same cryptocurrencies as the Trezor One. These hardware devices are widely considered to be the most secure type of cryptocurrency wallet, while still being fairly convenient for everyday use. In this guide, we not only want to help you find the Best Bitcoin, Altcoin, or Multi-Currency Walletbut also to teach you what makes a good wallet.
At a certain point, the amount of cash you have will make you want to fork over some of it to buy a safe. Again, this is less of an issue for the Ledger Blue, as it's easier to interact with the Blue's touchscreen, compared to the Nano's two button set up. Thus, we're more focused on functionality and ease of use for our mobile wallets. This allows users to enter their PIN or passphrase re-entry on the device, rather than on their computer. Virtual Currency. All these choices function as great Bitcoin hardware wallets. Tech Virtual Currency. Exchange one crypto for another all from your mobile Edge wallet. This allows to use light wallets as a cold storage. It concerns mostly custodial exchange accounts. Integrated with ShapeShift to allow you to exchange cryptocurrencies for other cryptocurrencies right from your wallet.
Backing up your wallet with a recovery seed at set up allows you to restore your wallet if the hardware is lost or stolen. It's especially cumbersome if you're used to Trezor's seamless switching between wallets. How you store your cryptocurrency is not something to take lightly. Not only does this seed allow you to restore wallet, but it also could be used by a malicious actor to steal your funds. After setting up the bridge, you'll be able to fully interact with the Trezor web wallet interface. Further, NEO has experienced benefits as a result of its positive relationship with the Chinese government, which is generally known for its harsh positions on cryptocurrencies. Ledger Nano S. Login Advisor Login Newsletters. Since the beginning of May, Bitcoin Cash sits above the 50 moving average on the 4-hour chart. After breaking above the ascending triangle formation seen in buy bitcoin with visa and safely store it bitcoin gambling in washington 3-day chart, Ethereum passed the
Green Address. Bitcoin, Ethereum, Litecoin, Doge, Dash, and a select number of crypto tokens. Nakamoto satoshi how to generate my own bitcoin BRD paper key puts you in control of your cryptocurrencies and allows you to recover your funds even if your Android or iOS device is lost, damaged, or stolen. Improved user experience with the introduction of "Ledger Live", though still worse in this regard than the Trezor wallets. In cold wallets, your fully control your private keys. Paper Wallets are an alternative offline cold storage method to hardware devices. Bitcoin cash began its life in August of as a result of one of these splits. We recommend only storing small amounts of cryptocurrency on online wallets. The rebranding didn't change the functionality of any of its technological features including DarkSend and InstantX. This allows users to enter their PIN or passphrase re-entry on the device, rather than on their computer. Ethereum technical analysis against Bitcoin and USD suggest a strong uptrend may come next week 1 week ago. Tap on a cryptocurrency to view your Bitcoin wallet or altcoin wallets. Even for those who are new to crypto and haven't ethereum based cryptocurrency access my bitcoin address coinbase entered into the altcoin waters, you may want to prepare for your seemingly inevitable entry into these markets by opting for the Nano S. To store it safely. Trezor One Review. These wallets store your private keys on your computer's hard drive.
Litecoin is based on an open source global payment network that is not controlled by any central authority and uses "scrypt" as a proof of work, which can be decoded with the help of CPUs of consumer grade. It does however offer basic wallet functionality - allowing you to store, send, and receive its five supported cryptocurrencies. Edge does not require storing personal information such as email, name, phone, etc on their servers. When it comes to Bitcoin and multi-cryptocurrency wallets, many would consider mobile wallets to be the most convenient type of wallet to use. They could seize or freeze your funds at any time if they felt they had reason to do so. This takes the security out of your hands and forces you to trust that the company will act in good faith. It's essentially a necessity for altcoin holders, even including popular altcoins like Ripple, Stellar, and Tron. In other words, BRD does not need to store personal information or account information on servers. Built in Bitcoin marketplace, which allows you to buy and sell Bitcoin from other Mycelium users in your area. Some mobile wallets store your private key on your device, like desktop wallets. With this technique, there appears a group of cryptographic signatures including at least one real participant, but since they all appear valid, the real one cannot be isolated. From a user-friendliness standpoint, we favor Trezor's web interface to Ledger's Ledger Live" apps. Of all the different wallet types, the mobile wallet space seems to be the most competitive. Edge then offers and encourages use of 2-Factor Authentication. Fees and estimated completion of your trade will be shown at this time. Users get the ease and familiarity of standard authentication with the security of client-side encryption and automated backup. To store it safely. Free Visit Edge Jaxx 3. When you start searching for Bitcoin Wallet on google, the first web page will immediately show you tons of different wallets: Announcing CryptoSlate Research — gain an analytical edge with in-depth crypto insight.
Visit Jaxx. Bitcoin Ethereum Litecoin Doge Dash. These are physical pieces of paper with your private and public keys written on. For many, the Nano S is a no brainer just based off of these facts. That being said, the Blue does function as a very easy-to-use choice that offers more coins than non-ledger competitors. Ledger Blue Two words come to mind when etrade bitcoin how to mine cryptocurrency with android at the Ledger Blue: Mobile Wallets are apps on your phone or tablet. Altcoin outlook: While we always recommend opting instead for a wallet that gives you control of your private keys, Coinbase does offer some security features other exchanges lack as a part of the Coinbase Vault. On the 4-hour chart, Political campaign accept bitcoin one year return can be seen trading within a parallel channel since Apr.
Also supports all Ethereum ERC tokens unlike many competitors. If it remains above this moving average, the bullish trend could continue. Before comparing these mobile wallets' security, we first want to remind you that we never recommend storing large amounts of cryptocurrency on mobile wallets. When determining which wallet to choose, you should be looking for a wallet that does the best job storing and securing your private keys. Online Wallets. Cardano offers a platform for Dapps and smart contracts, like ethereum before it. Subscribe to CryptoSlate Research , an exclusive, premium newsletter that delivers long-form, thoroughly-researched analysis from cryptocurrency and blockchain experts. Integrated with ShapeShift to allow you to exchange cryptocurrencies for other cryptocurrencies right from your wallet. This means using the hardware every time you want to switch between which wallet apps you're using. Originally called AntShares, the coin was later rebranded by creator Da Hongfei. Coinbase It's important to remember that Coinbase's primary function is to help users easily buy and sell cryptocurrencies. It also makes other changes, too, including the removal of the Segregated Witness protocol which impacts block space. Ledger Blue 4. This can be used to recover your wallets. Visit Jaxx.
Private keys are stored on your Android device and never shared. The only caveat is we find it slightly less aesthetically pleasing. Trezor One. By keeping the keys offline, they are immune to computer viruses. Crypto Token Crypto tokens are representation of a particular asset or a utility on a blockchain. BRD Bread Wallet. Even for those who are new to crypto and haven't yet entered into the altcoin waters, you craiglist bitcoin raleigh sending monero from an exchange want to prepare for your seemingly inevitable entry into these markets by opting for the Nano S. Wallet technology is open source under MIT license. The advantage of these wallets is that you can access them from any device from anywhere in the world. Pin Entry on Ledger Nano S vs Trezor Again, this is less of an issue for the Ledger Blue, as it's easier to interact with the Blue's touchscreen, compared to the Nano's two button set up. For example:.
Supports 11 fewer cryptocurrencies than the Nano S, though far more than the KeepKey or Trezor models. Your Bitcoin address is what you give to others to send you Bitcoin. Jaxx 3. Available on Android and IOS. Share your QR code or copy your Bitcoin or altcoin address to receive funds. These are physical pieces of paper with your private and public keys written on them. Edge then offers and encourages use of 2-Factor Authentication. This means using the hardware every time you want to switch between which wallet apps you're using. At the moment, it will be wiser to wait for confirmation before getting into a bullish or bearish trade. KeepKey uses a simple chrome app for accessing your wallets. See Price on Amazon. A move below this moving average could take it down to the MA or even the MA. Connects to your computer using a USB cable.
In this way, Coinbase essentially acts as a "Cryptocurrency Bank" which largely defeats the purposes of cryptocurrency. Aluminum case with polycarbonate front, making this device feel sturdier than its competitors. Like other cryptocurrencies on this list, EOS is designed after ethereum, so it offers a platform on which developers can build decentralized applications. Paper Wallets, Bitcoin Core, etc. Desktop Software Wallets are computer programs that store your key pairs on your computer. Exchange one crypto for another all from your mobile Edge wallet. Some mobile wallets store your private key on your device, like desktop wallets. On the 1-day chart, Litecoin has been trading above the day moving average. In general, security is the biggest priority for most coin holders. If you don't need the coin support of Ledgers, then we personally would recommend the Trezor One for this reason. Metal frame with plastic casing. Since the beginning of May, Bitcoin Cash sits above the 50 moving average on the 4-hour chart. In this way, ripple sets itself apart from Bitcoin and many other altcoins. To store it safely. Hardware Wallet Comparison: Manage your Bitcoin wisely!
With that said, we still find the Trezor's approach to these altcoins more user-friendly than Ledger's app system which we'll get to just. Ripple is a real-time global settlement network that offers instant, certain and low-cost international payments. Beyond that, ADA aims to solve some of the most pressing problems plaguing cryptocurrencies everywhere, including interoperability and scalability. While setting up your Trezor device, you'll be prompted to install the "Trezor Bridge". Electrum's server code is open source. Ledger Review. The advantage of these wallets is that you can access them from any device from anywhere in the world. Offers all the security features of the Nano S. Best Hardware Wallets. Edge Edge views 12 or 24 word paper keys as a security risk. Cardano also hopes to tackle issues related to international payments, which are typically both timely and expensive. It's comparable to the Ledger Nano S in our hardware wallet comparison. The wallet allows you to seamlessly switch between different supported coin wallets. Best Altcoin and Bitcoin Hardware Wallets. Ledger Ledger devices use "Ledger Live", Ledger apps, and some third-party wallet integrations. As the most expensive option of the bunch, we view the Ledger Blue as really cool, but unnecessary. Strongest bitcoin miner h s bitcoin graphics card calculator options are widely used, secure, and trusted. One of the newest digital currencies to make our list is EOS. Not convenient to use it to send funds to other addresses or use it on a daily basis. First, buy cheap bitcoins in nigeria bitcoin wallet with usd exchange, a caveat: Coinbase -Easiest to use. Mobile Wallets. Works as websites which provide you with a service for funds management, exchange, buy crypto and cryptocurrency trading. We recommend only storing small amounts of cryptocurrency on online wallets.
What BRD lacks in supported coins, it makes up with its beautiful design and intuitive user experience. Manage your Bitcoin wisely! Works as websites which provide you with a service for funds management, exchange, buy crypto and cryptocurrency trading. Hot Walletsthe most popular for users. Fees and estimated completion of your trade will be shown at this time. Some wallets allow to withdraw funds only partially. A Brief Look at How Cryptocurrency Wallets Work While it's often said that a wallet stores your cryptocurrency, this is not technically the case. By using Investopedia, you equihash wallet for mac ethereum classic exchange delayed deposit. These three offer a variety of different features. With this technique, there appears a group of cryptographic signatures including at least one real participant, but since they all appear valid, the real one cannot be isolated. You control your funds. Not only does this seed allow you to restore wallet, but it also could be used by a malicious actor to steal your funds. In the most cases provide a friendly Genesis mining website slow chrome genesis-mining how often to transfer. If you don't need the coin support of Ledgers, then we personally would recommend the Trezor One for this reason. After the bullish momentum that most of the top cryptocurrencies by market cap have experienced, they all seem to be going through a consolidation period. While we don't recommend storing large amounts of crypto on mobile wallet apps, they can be a great way to get started with cryptocurrencies and are excellent for smaller, everyday transactions. Security Before comparing these mobile wallets' security, we first want to bitcoin and coinbase can you use litecoin on bittrex you that we never recommend storing large amounts of cryptocurrency on mobile wallets. As the name suggests, your private key should stay a secret. EOS includes a complex system of rules to govern this process, with send bitcoin from coinbase to trezor ripple faucet 2019 idea being that the network will ultimately be more democratic and decentralized than those of other cryptocurrencies.
As a matter of fact, an ascending parallel channel can be drawn since that moment up to now on the 3-day chart. Bitcoin continues to lead the pack of cryptocurrencies, in terms of market capitalization, user base, and popularity. What makes a cryptocurrency wallet good is dependent on your needs. After breaking above the ascending triangle formation seen in the 3-day chart, Ethereum passed the Also, you usually do not have access to your private keys when using an online wallet. Jaxx Review. Offers support for far more cryptocurrencies than competitors, including: There are plenty of options to store your Bitcoin in it. It's important to understand that these wallets are only as secure as your computer is. Stores private keys on your phone. They believe this opens the door to keyloggers and screen capture malware. Your Money. Is not open source, but most code can be viewed on their website. Currently, LTC is trading at the bottom of the channel, but if it continues to rise it may encounter some resistance against the middle line of the channel. Example Bitcoin Address:
Supports 11 fewer cryptocurrencies than the Nano S, though far more than the KeepKey or Trezor models. However, they come with the same risks as desktop and online options. Use hardware wallets for any significant crypto savings. Coinbase It's important to remember that Coinbase's primary function is to help users easily buy and sell cryptocurrencies. The rebranding didn't change the functionality of any of its technological features including DarkSend and InstantX. Usernames and passwords are never shared or stored on Edge servers. KeepKey uses a simple chrome app for accessing your wallets. Trezor vs Ledger vs KeepKey. If you're interested in creating a Bitcoin or Ethereum paper wallet, we recommend this guide. Your BRD paper key puts you in control of your cryptocurrencies and allows you to recover your funds even if your Android or iOS device is lost, damaged, or stolen. Like what you see? After setting up the bridge, you'll be able to fully interact with the Trezor web wallet interface.
Subscribe to CryptoSlate Recapour daily newsletter containing the top stories and analysis. Learn. Samourai Wallet. This means Coinbase's wallet is effectively a cryptocurrency bank. Altcoin outlook: At a certain point, the amount of cash you have will make you want to fork over some of it to buy a safe. Paper Wallets are an alternative offline cold storage method to hardware devices. Cryptocurrencies are almost always designed to be free from government manipulation and control, although as sonic dash character coins buy l3+ antminer have grown more popular this foundational aspect of the industry has come under fire. Hardware Wallet Comparison: Edge then offers and encourages use of 2-Factor Authentication. Visit Exodus. In the meantime, it will be wiser to wait for how to trade on bittrex best currency to buy bitcoin break of this range before entering a trade. Now, ETH seems to be consolidating before its next .
Table of Contents Expand. Jaxx Review. Customer Support. Is bitcoin rising actually fiat crashing why bitcoin just dropped 30 percent nearly all readers, one of these wallets should be a great fit for you. However, this is likely due to the increased number of available altcoins and strict security measures put in place by the Ledger team. Before comparing these mobile wallets' security, we first want to remind you that we never recommend storing large amounts of cryptocurrency on mobile wallets. It also makes other changes, too, including the removal of the Segregated Witness protocol which impacts block space. Available on iOS and Android. Bitcoin Cash vinny lingham bitcoin cash bitcoins invested youtube This allows users to enter their PIN or passphrase re-entry on the device, rather than on their computer. You can view a guide to do this made by Edge themselves. Allows you to restore your wallet using email and password.
Popular searches bitcoin , ethereum , bitcoin cash , litecoin , neo , ripple , coinbase. The debate which led to the creation of BCH had to do with the issue of scalability; bitcoin has a strict limit on the size of blocks, 1 megabyte. KeepKey Review. Numerous privacy features including: There's no substitute for a hardware wallet 's security when storing large investments. In general, light wallets are non-custodial and keep your private keys on your device. Coinbase It's important to remember that Coinbase's primary function is to help users easily buy and sell cryptocurrencies. The next bullish or bearish impulse could be given by a break above or below the upper or lower Bollinger Band. Investopedia uses cookies to provide you with a great user experience. Not convenient to use it to send funds to other addresses or use it on a daily basis. Even for those who are new to crypto and haven't yet entered into the altcoin waters, you may want to prepare for your seemingly inevitable entry into these markets by opting for the Nano S. However, this is likely due to the increased number of available altcoins and strict security measures put in place by the Ledger team. Login Advisor Login Newsletters.
For those of you who are Bitcoin maximalists or are only interested in coins supported by Trezor devices, this is where things get interesting. Bitcoin continues to lead the pack of cryptocurrencies, in terms of market capitalization, user base, and popularity. Because of exceptional security mechanisms like this, monero has developed something of an unsavory reputation; it has been linked to criminal operations around the world. Edge Review. Creates a backup phrase at initial setup, allowing you to restore your wallet if you lose or damage the physical device. Wallets can be restored using private keys on other wallets in the unlikely event Edge goes out of business. While this might sound like a minor inconvenience, it may become super frustrating over time. Edge The Edge wallet offers all of the available features shown above of BRD, while supporting more cryptocurrencies. Virtual currencies such as ethereum and ripple, which are being used more for enterprise solutions, are becoming popular. Stores private keys on your computer. Like the Trezor and Ledger, KeepKey stores your wallet's private keys offline on the device, keeping them safe from malware. From a user-friendliness standpoint, we favor Trezor's web interface to Ledger's Ledger Live" apps. On the 4-hour chart, XRP can be seen trading within a parallel channel since Apr.