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TechBullion
2d
70
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XRP Outpaces Solana in Market Cap as Lightchain AI Eyes a Potential 7,400% Gain To Overtake Dogecoin
- XRP has outpaced Solana in market cap, signaling a shift in investor sentiment.
- Lightchain AI, a coin combining blockchain and AI technology, is eyeing a potential 7,400% gain to overtake Dogecoin.
- XRP is known for its efficiency in cross-border payments, while Solana is celebrated for its high-speed transactions and scalability.
- Lightchain AI's presale success and strong investor interest demonstrate confidence in its technology.
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The Fintech Times
2d
94
dLocal Secures FCA Payment Institution Licence, With Plans to Help UK Merchants Scale Globally
- Uruguayan payment platform dLocal has obtained the UK Authorised Payment Institution (API) licence from the FCA.
- dLocal can now offer regulated payment solutions to UK-based merchants.
- The company aims to help UK merchants scale globally by leveraging its localised payment solutions and targeting emerging markets.
- dLocal has also partnered with the International Chamber of Commerce UK to support British businesses in expanding into new markets.
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TechBullion
2d
137
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Keeping Your Ammo and Gun Supply Safe: A Practical Guide
- Proper storage for guns and ammunition is crucial for safety and legal responsibility.
- Storage should be in a cool, dry space, preferably in a sturdy gun safe with fireproofing and biometric locks.
- Extra layers of security such as locked rooms and motion-detection cameras are recommended.
- It is important to separate guns and ammunition in different safes and to adhere to local firearm storage regulations.
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Eu-Startups
2d
35
The European Instant Payments Regulation (IPR): A game changer for fintech startups?
- The European Instant Payments Regulation (IPR) mandates Payment Service Providers (PSPs) to offer instant credit transfers in euros under clear and fair conditions, thereby accelerating the shift towards real-time payments in Europe. The IPR introduces transformative opportunities for startups in the financial ecosystem, alongside operational and compliance challenges. The regulation is mandated to credit transfers denominated in euro and introduces amendments to key financial regulations, including SEPA Regulation, Regulation on Cross-Border Payments, Settlement Finality Directive (SFD), and Payment Services Directive (PSD2). Global trends in instant payments set by India and Brazil serve as insights for the EU, as the IPR redefines the future of financial services within the EU.
- The regulation provides opportunities for fintech startups and embedded finance providers by removing cost barriers and expanding access to instant euro transfers. It also enables fintech companies and payment platforms to standardize instant payments in their offerings without additional costs and allows startups to embed financial services into platforms and leveraging instant credit transfers to improve cash flow and user experience. However, the regulation also requires PSPs to upgrade infrastructure, implement tools for daily screening of all customers against sanctions lists, prevent fraudulent activities, and provide functionalities for users to set payment limits on instant credit transfers.
- Non-compliance with this regulation results in pecuniary measures or penalties for PSPs, making it essential that PSPs and fintech startups/Embedded finance providers adapt swiftly. PSPs can leverage Artificial Intelligence (AI) to facilitate their operations and improve efficiency, reduce risks, and stay ahead of regulatory demands.
- The IPR aligns Europe with the global trend of instant payments, where other regions have started benefitting from instant payments, a real-time payment system designed to enable instant transfers between banks such as UPI and Pix. the regulation creates a market for supporting PSPs in fraud detection, sanctions screening, and technical upgrades while providing startups with an opportunity to redefine user experience, unlock cross-border growth within the SEPA region, and differentiate themselves. Fintech startups that embrace this change can position themselves as key players in the financial ecosystem of tomorrow.
- The European Instant Payments Regulation signals a global shift towards real-time payments as the new standard for payments. For startups, the regulation presents a significant opportunity to redefine user experiences, unlock cross-border growth within the SEPA region, and differentiate through speed, reliability, and compliance.
- To understand the regulation better, the full regulation text is available on EUR-Lex, and the European Commission's finance page provides implementation guidelines.
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TechBullion
2d
321
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Best New Meme Coins to Invest in Today: BTFD Bulls Stampede Ahead, DOGE Sniffs Opportunity, and DEGEN Crowds the Field
- BTFD Coin ($BTFD) is emerging as one of the best new meme coins to invest in today with a strong community and growing ecosystem.
- BTFD Coin's Bulls Squad, a collective of passionate investors and gamers, is driving its success along with the recently launched play-to-earn (P2E) game.
- In its 13th presale stage, BTFD Coin has raised over $5.1 million, offering a potential ROI of 322.5% with a listing price prediction of $0.0006.
- Dogecoin (DOGE) remains a cultural phenomenon with potential for upside, while Degen (DEGEN) stands out with its community-driven approach and airdrop strategy.
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TechBullion
2d
98
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The Benefits of Investing in a Preventive Heating Maintenance Plan
- Heating systems have different types and unique maintenance needs.
- Furnaces require regular attention, including filter changes and annual professional inspection.
- Heat pumps need regular cleaning, filter maintenance, and twice-a-year servicing.
- Boilers require regular checks on pressure gauge, annual inspections, and heating repair if needed.
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Intelalley
2d
298
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Standard Chartered Offers Digital Asset Custody in Luxembourg
- Standard Chartered has opened a new entity in Luxembourg to provide crypto and digital asset custody services in the EU.
- The move is part of Standard Chartered's global digital asset strategy and follows the recent launch of similar services in the UAE.
- Laurent Marochini has been appointed as CEO of the Luxembourg entity.
- The bank aims to support institutional clients in accessing the digital asset ecosystem while ensuring regulatory compliance and security.
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Pymnts
2d
357
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From Payments to New Accounts: The New Money Mobility Ecosystem Explained
- The report titled 'The Modern Money Mobility Ecosystem' provides a comprehensive overview of the money mobility space, including payments, accounts, and money movement.
- The report discusses how FinTechs are driving innovation and challenging traditional banking models, as well as the role of modern money movement rails.
- Strategies for developing new account relationships and monetizing those accounts are also explored in the report.
- The report concludes with insights into the future of money mobility, including real-time payments, embedded finance, and the growing role of AI.
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Pymnts
2d
133
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How Consumers Decide What Card Is Their Top of Wallet Go-To
- Card issuers can win the top-of-wallet spot by encouraging engagement with card-linked offers.
- Active engagement with card-linked offers boosts credit card use, especially if the offers are relevant and personalized.
- Frequent card users redeem rewards more often and actively look for card-linked offers, indicating the importance of tailored benefits.
- Streamlining benefit discovery and redemption processes can convert passive users into active participants.
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Pymnts
2d
388
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Big Three: How Choice, Confidence and Convenience Drive Payments Optimization
- Payments optimization has become the ultimate test for businesses striving to maintain a competitive edge.
- Certain attributes like choice, confidence and convenience are the three main prerequisites of any payments optimization initiative.
- Customers pay in countless ways around the world, but they all want to pay in a manner that is familiar to them.
- To protect both customers and business interests, corporates must prioritize robust anti-fraud measures — while avoiding false declines.
- Consumers flock to merchants who offer them the most convenient and seamless transactions, making these qualities pivotal to payments optimization.
- Choice is crucial, as customers expect a variety of payment methods, omnichannel shopping experiences and local payment options.
- By offering diverse payment choices, businesses can cater to different customer preferences, increase conversion rates and expand their reach across global markets.
- However, security must be balanced to avoid declines of legitimate transactions. Providing easy refunds and returns is important.
- Perks and rewards are also key components of customer convenience.
- Minding the three C’s (choice, confidence, and convenience) will ensure businesses’ successful payments optimization to meet the evolving demands of modern consumers.
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Pymnts
2d
341
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46% of US Consumers Show Interest in Open Banking for Bill Pay
- Open payments platforms play a crucial role in keeping businesses running smoothly and minimizing the impact of service outages.
- By utilizing open payments systems, businesses can optimize transaction processing, reduce costs, and improve profit margins.
- Open payments also unlock the potential of open banking, allowing merchants to incorporate features like saved payment information and customer data tracking.
- 46% of U.S. consumers are highly interested in adopting open banking payment methods, particularly for recurring payments and groceries.
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Pymnts
2d
239
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Janover’s 123% Leap and Robinhood’s Upgrades Lead FinTech IPO Index Higher
- Janover's stock soared 123% after a reverse stock split and acceptance of cryptocurrency payments.
- Robinhood's stock was 9.5% higher after being upgraded by JPMorgan.
- Upstart shares slipped 3.8% despite a partnership with Sandia Area Federal Credit Union.
- Riskified's stock was off a slight 0.4% despite a partnership with Ixopay to enhance payments orchestration.
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Intelalley
2d
133
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Sentiment Rises Across Derivatives Market
- Sentiment across the global derivatives market rose in Q4 2024 as the industry prepares for a busy 2025, according to the SGX Global Market Sentiment Index.
- The index increased from 68 in Q3 to 72 in Q4, driven by optimism among hedge funds, asset managers, and sell-side execution desks.
- However, sentiment declined slightly among senior executives overseeing sell-side derivatives clearing businesses and senior proprietary trading executives.
- Investment in technology and risk management is expected to increase, with proprietary trading firms and sell-side clearing firms planning significant budgets for 2025.
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TechBullion
2d
82
Image Credit: TechBullion
The Impact of Horizontal Directional Drilling
- Horizontal Directional Drilling (HDD) has revolutionized underground utility installations, minimizing disruption and damage to properties.
- HDD equipment allows for precise installation of pipelines, water lines, and cables while keeping roads and landscapes intact.
- Benefits of HDD include reduced costs, faster project completion, and minimal disruption to daily life.
- HDD is also environmentally friendly, minimizing soil disruption, preserving trees and water systems, and enabling work in sensitive ecosystems.
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TechBullion
2d
3
Image Credit: TechBullion
Top 5 Altcoins You Don’t Want to Miss in the 2025 Bull Market
- Rexas Finance (RXS) is innovating in asset management by fractionalizing historically illiquid assets using blockchain technology to produce real-world asset tokens (RWA).
- Rexas Finance (RXS) leads the market, which is already worth over $121 trillion.
- Cardano (ADA) stands out for its methodical approach to blockchain invention, emphasizing academic research and peer-reviewed development.
- Solana (SOL) blockchain remains competitive in a saturated market by offering high-performance DeFi applications, gambling, and NFT transaction processing.
- Polkadot emphasizes interoperability, which will enable blockchains to easily exchange data, making interoperability a non-issue for the cryptocurrency market.
- Avalanche (AVAX) has among its many advantages the ability to support multiple blockchains within its ecosystem, including DeFi, gaming, and corporate initiatives.
- Analysts predict that RXS may reach $18 by mid-2025, ADA could reach $10, SOL could reach between $300 and $400, DOT could reach $100 or more, and AVAX between $150 and $200 could be captured in the upcoming bull market.
- With unique use cases and tremendous growth potential, these five altcoins stand out as some of the best opportunities for the approaching 2025 bull market. It is essential to conduct thorough research and maintain a diverse portfolio while navigating cryptocurrencies and exploring the upcoming surge of crypto development and invention.
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