Unlocking Global Capital for SMEs Through Asset Tokenization

Small and medium enterprises (SMEs) form the backbone of economies worldwide, driving innovation, employment, and economic growth. Despite their vital role, SMEs often face significant challenges in accessing capital, particularly from traditional financial institutions that impose stringent requirements or favor larger corporations. In this context, asset tokenization the process of converting real-world or financial assets into digital tokens on a blockchain has emerged as a transformative mechanism to unlock new sources of funding. By enabling fractional ownership, improving liquidity, and expanding investor access, asset tokenization offers SMEs an innovative way to raise capital globally. This article explores the mechanics, benefits, challenges, and best practices of leveraging asset tokenization for SME financing.

What is Asset Tokenization?

Asset tokenization is the representation of ownership rights of an underlying real-world or financial asset in the form of digital tokens on a blockchain. These tokens can represent physical assets like real estate, machinery, inventory, or intangible assets such as intellectual property, receivables, or future revenue streams.

Key Features of Tokenized Assets

1. Fractional Ownership: One asset can be divided into multiple tokens, allowing multiple investors to participate in a single investment.
2. Programmable Compliance: Smart contracts can automate regulatory compliance, investor verification, and dividend or interest payments.
3. Transparency and Security: Blockchain records are immutable, providing transparent ownership and transaction history.
4. Global Accessibility: Digital tokens can be transferred across borders, expanding the pool of potential investors.
5. Liquidity: Tokenized assets can be traded on digital exchanges, reducing traditional barriers to entry and exit.

By digitizing assets, SMEs can leverage their existing resources to attract capital without relying solely on loans or equity dilution.

Types of Assets SMEs Can Tokenize

SMEs can leverage a wide variety of assets for tokenization:

1. Equity Tokens: Represent ownership stakes in the company, allowing fractional equity investment from multiple investors.
2. Real Estate Tokens: Convert property or facilities owned by SMEs into tradable tokens to unlock capital tied in real estate.
3. Revenue-Backed Tokens: Represent a claim on a percentage of future revenue or cash flows.
4. Invoice and Receivables Tokenization: SMEs can convert unpaid invoices into tokenized assets, enabling immediate liquidity.
5. Intellectual Property Tokens: Patents, trademarks, or proprietary technology can be tokenized, providing funding without diluting equity.

By strategically selecting the right asset for tokenization, SMEs can optimize both capital inflow and investor appeal.

How Asset Tokenization Facilitates Capital Access for SMEs

Small and medium enterprises (SMEs) often face significant barriers when seeking capital for growth, operational expansion, or modernization. Traditional financing options, such as bank loans or venture capital, are often restrictive, expensive, and slow. Asset tokenization offers an innovative solution by converting tangible and intangible assets into tradable digital tokens using blockchain technology, creating new funding pathways, improving liquidity, and providing access to a global investor base.

Fractional Ownership and Investment Access

Asset tokenization allows SMEs to divide high-value assets into smaller, tradable units, enabling partial monetization without relinquishing full ownership. By issuing tokens representing fractional ownership, businesses can attract retail and institutional investors. For instance, a manufacturing SME could tokenize a production machine valued at $500,000, issuing 5,000 tokens priced at $100 each. Investors worldwide can purchase these tokens, providing liquidity to the SME while retaining partial ownership. Fractionalization lowers entry barriers for investors and diversifies funding sources, reducing dependency on a single investor or lender.

Enhanced Liquidity

Illiquid assets such as machinery, property, or long-term contracts often limit SME financing options. Tokenization converts these assets into digital tokens that can be traded on secondary markets, unlocking liquidity previously unavailable. Investors can buy and sell tokens independently of the SME, creating continuous capital flow and reducing reliance on one-off funding rounds. Improved liquidity allows SMEs to reinvest in research, operations, or strategic expansion while enhancing investor confidence and facilitating future fundraising.

Global Investor Reach

Traditional SME financing is typically constrained by geography, regulatory frameworks, and limited networks. Tokenization removes these boundaries, providing access to a global pool of investors seeking fractionalized, asset-backed opportunities. SMEs in emerging markets, in particular, benefit from international capital that bypasses local scarcity and currency restrictions. Blockchain-based tokenization enables cross-border investment while adhering to regulatory standards, allowing SMEs to secure competitive funding and diversify risk across multiple geographies.

Transparency and Trust

Blockchain technology ensures every transaction, token issuance, and ownership transfer is permanently recorded, enhancing transparency and reducing information asymmetry. Investors can monitor performance, token circulation, and dividend payouts in real-time, which builds confidence in their investment. For SMEs, this transparency strengthens credibility with investors, lenders, and regulators while improving corporate governance. A verifiable record of asset activity mitigates concerns about fraud or mismanagement, making tokenization a reliable tool for sustainable growth.

Cost-Effective Capital Raising

Raising capital through traditional methods often involves intermediaries such as lawyers, underwriters, and brokers, which increases costs and delays funding. Tokenization automates these functions via smart contracts, including dividend distribution, voting rights, and regulatory compliance, reducing administrative overhead. This efficiency enables SMEs to access working capital faster, allocate more funds to operations, and minimize errors. By streamlining fundraising and lowering costs, tokenization enhances financial agility and empowers SMEs to seize timely growth opportunities.

Strategic Steps for SMEs to Leverage Asset Tokenization

1. Identify Suitable Assets

Not all assets are ideal for tokenization. SMEs should identify high-value, illiquid, or revenue-generating assets that can be fractionalized and traded. Examples include commercial real estate, specialized machinery, intellectual property, or trade receivables. A thorough asset assessment helps in selecting candidates with strong investment appeal.

Develop a Tokenization Plan

A comprehensive tokenization plan should outline the type of token (equity, revenue-sharing, utility), tokenomics (supply, allocation, distribution), fundraising objectives, and investor rights. Strategic planning ensures alignment with business goals and investor expectations.

Ensure Legal and Regulatory Compliance

SMEs must engage legal advisors to structure compliant token offerings. This includes drafting smart contract terms, adhering to securities regulations, implementing KYC/AML protocols, and managing cross-border legal requirements. Compliance is essential for investor protection and regulatory approval.

Partner with Technology Providers

Implementing tokenization requires robust blockchain infrastructure. SMEs should collaborate with blockchain developers, tokenization platforms, and digital exchanges to ensure secure token issuance, smart contract execution, and investor onboarding.

Engage Investors and Build Market Confidence

Investor engagement is critical for successful capital raising. SMEs should leverage marketing strategies, investor education, and transparent reporting to build trust. Demonstrating asset value, revenue potential, and governance standards enhances investor confidence and market adoption.

Monitor and Manage Tokenized Assets

Post-issuance, SMEs must manage tokenized assets, facilitate trading, distribute returns, and maintain compliance. Ongoing monitoring ensures liquidity, investor satisfaction, and the long-term success of tokenized offerings.

Use Cases of Asset Tokenization for SMEs

Real Estate Tokenization

SMEs that own commercial or residential properties can tokenize these assets to raise capital without selling the entire property. Fractional ownership allows multiple investors to participate, generating a steady flow of funds while retaining operational control. Real estate tokenization is particularly relevant for SMEs in urban centers or industrial zones seeking expansion funding.

Equipment and Machinery Tokenization

Manufacturing SMEs often require expensive machinery for operations but may lack sufficient working capital. By tokenizing machinery or equipment, these enterprises can raise funds from investors interested in owning a stake in high-value assets. Tokenization also allows SMEs to structure innovative financing models, such as revenue-sharing agreements, which align investor interests with business performance.

Intellectual Property Tokenization

SMEs in technology, media, and biotech sectors possess valuable intellectual property (IP) assets, including patents, trademarks, and copyrights. Tokenizing IP can unlock capital by allowing investors to purchase fractional rights or revenue-sharing tokens linked to the IP’s commercial success. This approach not only provides funding but also incentivizes innovation by creating a market-driven valuation of intellectual property.

Invoice and Trade Finance Tokenization

SMEs involved in international trade often face cash flow constraints due to delayed payments. Tokenizing invoices and trade receivables enables SMEs to sell these assets on a secondary market, accelerating liquidity and reducing financing costs. Investors benefit from predictable returns, while SMEs gain immediate access to funds for operational and expansion needs.

Benefits for Investors

Asset tokenization is equally advantageous for investors. Fractional ownership allows diversification across multiple SMEs and industries. Investors gain access to previously illiquid or geographically restricted opportunities, often with lower minimum investment thresholds. Real-time transparency, automated dividends, and smart contract enforcement enhance security and trust.

By connecting SMEs with a broad investor base, tokenization fosters a more inclusive investment ecosystem that benefits both capital seekers and providers.

Future Outlook

The future of asset tokenization for SMEs is promising. Advances in blockchain infrastructure, regulatory frameworks, and tokenized asset marketplaces are accelerating adoption. Platforms dedicated to SME tokenization are emerging, facilitating compliance, investor onboarding, and secure trading of tokenized assets.

Furthermore, integration with decentralized finance (DeFi) protocols could allow SMEs to leverage tokenized assets as collateral for loans, enabling even more flexible and accessible financing options. As awareness grows and technology matures, asset tokenization has the potential to redefine SME financing on a global scale.

Challenges and Considerations

Despite its potential, SMEs must navigate several challenges:

1. Technological Expertise: Implementing tokenization requires blockchain knowledge and technical infrastructure.
2. Market Volatility: Token values may fluctuate, exposing SMEs and investors to risk.
3. Regulatory Uncertainty: Ambiguous or evolving regulations can delay or complicate fundraising.
4. Investor Education: Many investors may be unfamiliar with digital assets, requiring SMEs to invest in education and awareness initiatives.

By proactively addressing these challenges, SMEs can maximize the benefits of tokenization while mitigating associated risks.

Conclusion

Asset tokenization represents a revolutionary approach to SME financing, unlocking access to capital, liquidity, and global investor networks. By fractionalizing ownership and leveraging blockchain transparency, SMEs can overcome traditional barriers to funding, optimize asset utilization, and secure growth capital efficiently.

While challenges such as regulatory compliance, technical requirements, and market education exist, the potential for global impact is profound. Tokenization not only empowers SMEs to secure funding but also fosters a more inclusive, transparent, and efficient global financial ecosystem. As technology and regulations evolve, asset tokenization may well become a standard tool for SMEs seeking to unlock capital and expand their business horizons worldwide.

How Can Asset Tokenization Unlock Capital for Small and Medium Enterprises Globally? was originally published in Coinmonks on Medium, where people are continuing the conversation by highlighting and responding to this story.

I Tested 3 AI Tools for Portfolio Analysis — Here’s What Actually Helped Me Make Better Decisions

As someone who’s been tracking crypto and stocks for years, I often feel overwhelmed by data.
Prices, charts, metrics, news — the sheer amount of information can paralyze even experienced investors.

I decided to run a simple experiment: I tested three AI tools designed to help analyze portfolios. My goal: see which one actually improves decision-making, not just looks cool on a dashboard.

Here’s what I found.

Tool 1: AI Aggregator A

• What it does: Pulls live data from multiple exchanges, predicts short-term trends, offers risk scores.
• My experience: The predictions were often too reactive. Small price swings triggered alerts constantly, which actually increased stress rather than clarity.
• Takeaway: Great if you want real-time monitoring, but not reliable for long-term decisions.

Tool 2: Portfolio Analyzer B

• What it does: Tracks your holdings, computes risk/reward metrics, suggests diversification tweaks.
• My experience: This was more useful. It highlighted overexposure to single sectors and suggested minor rebalancing.
• Takeaway: Practical, actionable insights — but sometimes recommendations felt too generic, especially for smaller portfolios.

Tool 3: AI Research Assistant C

• What it does: Summarizes news, social sentiment, and key events that affect your portfolio.
• My experience: Surprisingly, this was the tool that improved my decision-making the most. Instead of chasing daily volatility, I focused on contextual information that mattered for medium-term strategy.
• Takeaway: AI that filters noise and adds context beats AI that predicts price.

Key Lessons from the Experiment

1. Real value comes from context, not predictions.

2. Too many alerts = decision fatigue.

3. Combine AI with your own strategy. Tools enhance decisions, they don’t replace judgment.

4. Simplicity often beats flashy dashboards.

Practical Tip

If you’re overwhelmed by portfolio analysis:

• Identify your core metrics first
• Use AI to filter noise, not make decisions for you
• Schedule weekly review sessions instead of checking every alert

Personally, I now rely on a lightweight AI assistant that helps me stay on top without overthinking, and it’s been a game-changer for consistent, calmer investing.

I Tested 3 AI Tools for Portfolio Analysis — Here’s What Actually Helped Me Make Better Decisions was originally published in Coinmonks on Medium, where people are continuing the conversation by highlighting and responding to this story.

In this Article about Decentralized vs Centralized Prediction Markets: Which is Better? Read it out.

Introduction

The prediction markets have come out as potent instruments of predicting the future based on collective intelligence. Due to the emergence of blockchain technology, crypto-powered prediction markets have also become accessible, and people can now forecast cryptocurrency, sports, political, stock and actual-world outcomes using it.

All these platforms can broadly be divided into two: centralized and decentralized prediction markets. Users, investors and businesses seeking to join this fast growing ecosystem should understand the distinctions between them.

What is a Prediction Markets Platform?

The Crypto prediction markets platform is a kind of website that enables users to market, trade, and resolve derivatives on the occurrence of a future event. To begin with, the market requires every participant to purchase or sell shares depending on the probability of occurrence of an event, and all of them vary in response to the market sentiment.

After the event is completed, the right result is confirmed, and prizes are given to winning forecasters. Prediction markets are automated and secured by smart contracts, smart tokens, and decentralized oracles, which are based on blockchain philosophy.

Overview About Decentralized Prediction Markets

Decentralized prediction market Decentralized prediction markets operate on blockchain networks using smart contracts and do not need a central authority. The buyers and sellers of predictions trade the predictions through the non-custodial wallets and retain complete control over the money.

The result of a market is determined by decentralized oracles or community-based mechanisms, and transparency is maintained. They are based on censorship resistance and trustless execution but have scalability and usability issues.

Here are the top 3 decentralized prediction markets,

1. Polymarket

Polymarket is a top prediction market that is decentralized based on the blockchain to enable users to trade on real-life events such as crypto, politics, and sporting activities. It is highly liquid, and its settlement is on-chain, with outcome resolution based on oracles. Also check out Polymarket Clone Script.

2. Augur

Augur is among the first decentralized prediction markets, which is constructed on Ethereum and controlled by smart contracts and community reporting. It allows its users to establish their own markets and remain fully transparent and non-custodial.

3. Gnosis Markets

Gnosis is a decentralized prediction market infrastructure based on conditional tokens and automated market makers. It is applicable in many areas, including governance, DeFi forecasting, and event-based market creating.

Overview About Centralized Prediction Markets

Centralized prediction markets are operated by a single organization that manages the platform, user accounts, and funds. These platforms offer a simple interface, faster transactions, and higher liquidity through centralized order matching.

Outcome resolution and payouts are controlled by the platform authority, requiring users to place trust in the operator. While convenient for beginners, they carry custodial and transparency risks compared to decentralized models.

Here are top 3 centralized prediction markets,

1. Kalshi

Kalshi is a centralized prediction market that is regulated and where users can trade on real-life occurrences like inflation, elections, and economic indicators. It is based on strict compliance which provides a secure and legally structured environment. Also check out Kalshi clone script.

2. PredictIt

PredictIt is a well-liked centralized prediction market and it usually deals primarily with political and economic events. It is run by a central authority that controls markets, user funds as well as settlements of outcomes.

3. Myriad

Myriad is an online sports and prediction game and central platform of fantasy where the players formed teams or made event-related predictions in order to win the reward. The platform deals with contests, scoring, and payouts by a system that is controlled by an administrator. Also check out Myriad clone script.

Why Choose the Best Crypto Prediction Markets Platform?

Improved security — User funds and data are secured with advanced encryption, smart contracts, and secure wallets.

Clear Operations of the Market — On-chain records and clear rules are used to ensure fair trading and verification of outcomes.

Accurate Outcome Resolution — Heightened reliability and data sources minimise errors and risks of manipulation.

Enhanced Liquidity — Large participation allows trades to occur faster and more precise market forecasts.

Easy to use experience — The interfaces are intuitive and allow both beginners and experts to take part.

Global Accessibility — Crypto based-platforms enable borderless access with no banking restrictions.

Less Intermediaries — Fewer intermediaries will result in low charges as compared to conventional systems.

Scalability & Performance — The modern platforms can handle high traffic and update the market in real time.

Regulatory Readiness — Compliance is an inbuilt feature that enables platforms to be flexible to changing regulations.

Long-Term Growth Potential — The infrastructure is strong to support the future features, integrations and innovation.

The decision on whether to use centralized or decentralized prediction markets depends solely on the needs of the user and the preferences. Whereas centralized platforms are convenient and easy to use, decentralized platforms offer more transparency and control, and trustless participation. check out Top Crypto Prediction marketplaces list

Conclusion

Decentralized and centralized prediction markets are critical in the future of forecasting. Decentralized platforms provide users with control and transparency whereas centralized platforms provide accessibility and performance.

Being aware of their differences would enable the user and businesses to make quality decisions by evaluating the trust, usability and regulation requirements. With the rise of blockchain, prediction markets will become vital in any industry and define how the world predicts and gets ready for future events.

Decentralized vs Centralized Prediction Markets: Which is Better? was originally published in Coinmonks on Medium, where people are continuing the conversation by highlighting and responding to this story.

In this Article about Why Should You Use a MyRaid Clone Script for Sports Prediction Platforms? Read it out.

Introduction

The past few years have witnessed an astronomical growth in the sports prediction industry where millions of users can participate in fantasy leagues, sports betting, and prediction games. A full operations sports prediction site may be time consuming, costly and technically complicated to start up.

This is where MyRaid Clone Script comes in a pre-made set of solutions that enables businesses to launch their own sports prediction platform in a short time and in an efficient manner.

What is a MyRaid Clone Script?

MyRaid Clone Script is a software solution that is ready to use and is designed to duplicate the basic features of the MyRaid sports prediction platform. It has such features as predictions of the match results, player performance, leaderboard, reward system, and administration controls.

The script is also highly customizable and thus businesses can brand it and make it to their own needs. In simple terms, it is a turnkey solution to all those who want to venture into the sports prediction market without necessarily beginning at the beginning.

The Advantages of a MyRaid Clone Script for Sports Prediction Platforms

It takes a lot of time, money, and skills to start a sports prediction site on its own. MyRaid Clone Script provides an easy to use solution that helps companies to penetrate into the sports prediction market fast and effectively with fewer risks to be developed.

Faster Time to Market

MyRaid clone script includes ready-to-use features and workflows so that you can open your platform within a limited period. This will help businesses to exploit opportunities in the market without the need to develop over a long period.

Cost-Effective Development

A custom sports prediction platform may cost a lot to develop. A clone script will save a lot of development expenses and still provide a feature rich and stable platform.

Proven Platform Model

MyRaid-type platforms have been already tested in the real world. Clone script has a proven structure and this means less technical problems and better user adoption on the first day.

Customizable & Scalable

MyRaid clone scripts are entirely customizable to your brand, business model and target audience. They are also scalable meaning that the platform can easily expand with the increase in user demand.

Rich Feature Set

Clone scripts contain the following features which are a user dashboards, match predictions, reward systems, leaderboards and the controls administered by an administrator. It guarantees the full and interactive user experience without the further developmental effort.

Easy Monetization

MyRaid clone script can enable various streams of revenues to be deployed with ease with support of ads, subscriptions, entry fees, or premium features in place.

Secure & Reliable

The script has security features that include secure authentication, protection of data and detection of frauds. This assists in safeguarding the users as well as platform owners.

Ideal for Multiple Use Cases

The MyRaid clone script can be applied in sports fan engagement platforms, fantasy sports apps, prediction games, and reward based competitions and can be very versatile.

How a MyRaid Clone Script Works

The script is effective because it offers a platform structure with a ready-to-use setting:

User Interface

The user interface enables the fans to register, place predictions and follow match results in a user-friendly environment. It also offers real time updates and reward counters, which makes sure that the user experience is well maintained.

Admin Panel

The administration management allows the platform owner to take control of the events, activity of the users and reward systems easily. It is also offering analytics and reporting services to optimize the performance and user engagement of the platform.

Backend Logic

The backend is involved in processing of match data, prediction settlement and scoring. It solves proper distribution of rewards and platform smooth operations without any manual interventions.

Integration Options

MyRaid clone scripts have the capability of incorporating payment gateways, crypto wallets and third party APIs to live sports data. These integrations facilitate safe transactions, real time updates and an increased functionality of the platform.

The new automation and modular design enables companies to run a full-fledged platform with limited technical maintenance.

Why Businesses Should Consider MyRaid Clone Scripts

Quick Market Access — Start up sports prediction sites within a short period of time and begin to make a profit.

Lower Costs of Developments — No need to build a new one, still have high quality functions.

Improved User Experience — The presence of pre-built features such as dashboards, leaderboards, and reward systems appeal to and keep users.

Flexible and Scalable Customizable — Customize the platform to your business model and scale when your audience grows.

Trustworthy and safe — clone scripts are designed with security and compliance options to secure the user and the platform owner.

Concisely, a MyRaid Clone Script is a software package that gives a business all the leverage to venture into the sports prediction market effectively, safely, and at a low cost.

Conclusion

Another tricky part of the business is launching a sports prediction platform, yet a MyRaid Clone Script makes it quite easy. It is fast to deploy, economical, customizable, and secure enough, so it is the best option when an entrepreneur or a business is interested in accessing the fast-developing sports prediction market.

Using MyRaid Clone Script, a company is free to do all the marketing, user acquisition, and interactivity, and the system does all the technical bit happily. check out our Crypto Prediction Market Platform development by BlockchainX.

Why Should You Use a MyRaid Clone Script for Sports Prediction Platforms? was originally published in Coinmonks on Medium, where people are continuing the conversation by highlighting and responding to this story.

Bitcoin offers investment and trading opportunities for those willing to take on the risk of the cryptocurrency’s frequent and significant swings in value. Because Bitcoin does not have underlying fundamentals such as with oil, coffee, gold, or your favorite stock, traders commonly use technical analysis indicators to guide their buying and selling decisions. Before deciding which technical indicators are best for trading Bitcoin a novice trader needs to become familiar with technical analysis and appreciate how its benefits and risks affect one’s trading.

Get Instant Access Before the Next Stock Surge

What Is Technical Analysis

Technical analysis is the evaluation of specific historic price indicators derived from a market. This approach goes back hundreds of years to when Samurai were in charge in Japan. A trader in the rice market at that time recognized that certain price patterns had predictive value for what the market would do next. This approach is used even today by traders and is called Japan Candlesticks based on the candlestick-like symbols it uses. Today there are many types of systems for technical analysis, all of which a trader uses on their trade station and give useful clues as to what the market will do next based on its recent and current price performance. When the price of an asset such as Bitcoin is steadily going up will it continue or will it reverse and fall back? Traders use technical analysis tools to help make a determination of when to buy, when to sell and where to set price points for automatically taking a profit or limiting a loss.

Common Technical Analysis Tools

Frequently used technical indicators include the moving average, the moving average divergence convergence indicator, the RSI or relative strength index, the average directional index, trading volume, and Bollinger bands which are indicators of market volatility. Experienced traders typically use more than just one tool, often using one to guide them and another to confirm what the first one indicates. Moving averages are extremely useful in that they give an average of an asset’s price over time thus reducing the “static” and confusion of very short term price swings. Volume indicators help traders appreciate when price movements up or down are momentary or likely to turn into a trend. Those who want to succeed in using technical analysis tools to profit in trading an asset like Bitcoin are well advised to learn how to use several basic technical tools like the ones we mentioned. Smart traders will practice simulation trading using real market data on their trade station until they can routinely “profit.” Common advice is never to risk your own money in technical analysis trading of Bitcoin or any other asset until you are routinely making “paper profits” in your simulation trading!

Technical Analysis Pitfalls When Trading Bitcoin

Technical analysis works best in markets with high trading volume because it is, at its heart, a statistical approach. Thus, using technical analysis to trade Bitcoin generally makes sense while using the approach for thinly traded alt coins does not. However, the issue of trading volume can carry significant risk with Bitcoin as well. This has to do with Bitcoin wash trading. Wash trading is when someone sells and buys an asset almost simultaneously so that the result is a “wash.” Historically stock traders would do this to take a tax loss on stock that they had purchased that had fallen in price and then buy again at a discount. The IRS does not allow stock traders to write off these losses so that practice is not used for stocks. However, it is common in trading Bitcoin where it is not illegal. The purpose in Bitcoin trading is to fool other traders into thinking that there is greater volume in a current price move than actually exists. Thus, a trader who is using a volume indicator to help determine how solid a market move is can be fooled into thinking that they are jumping into an upward trend only to lose money when the “trend” does not in fact exist.

Managing Risks in Bitcoin Trading

The first and most important step in managing risks in Bitcoin trading with technical analysis is to learn the tools well and never trade until you have mastered those tools in simulation trading. The next and equally important thing is to rely on technical tools while ignoring the hype that is so common regarding Bitcoin. All too often some “expert” predicts that Bitcoin will go up by a huge multiple in the next year. This is all too often hype by someone who has already purchased and is “pumping” Bitcoin with plans to “dump” or sell when the market goes up and before it corrects downward again.

A daily issue with risk management is to remember that with thousands of folks trading all at the same time prices can fluctuate significantly and very rapidly. Smart traders set trading stops with each and every trade, That is they place sell orders above the price at which they made a purchase and also below that price in order to lock in potential profits and limit potential losses.

Get the Prompt That Turns News Headlines Into Trading Signals

Originally published at https://profitableinvestingtips.com on December 15, 2025.

Using Technical Indicators for Trading Bitcoin was originally published in Coinmonks on Medium, where people are continuing the conversation by highlighting and responding to this story.

Most crypto cards fail at the only thing that matters: making your crypto spendable without friction. The ones that work aren’t the most hyped — they’re the most functional. Here are the seven cards actually worth your time in 2026.

I’ve spent the last 18 months testing crypto cards in real conditions. Groceries. Gas. Restaurant bills. Most ended up in my drawer. Only seven made the cut.

The turning point came after a failed date night. My “premium” crypto card got declined three times at a decent restaurant. The waiter smirked. My date was unimpressed. That embarrassment forced me to rebuild my entire approach. I stopped chasing rewards and started demanding reliability. That shift cut my payment failures from 30% to zero. Now I only carry cards that work like actual money.

I’m a practitioner who uses these cards weekly for groceries, gas, and business expenses.

Disclaimer: This content is for informational purposes only and should not be taken as financial advice. Additionally, I may earn a commission from affiliate links mentioned in this guide.

What is a crypto debit card and how does it work?

A crypto debit card converts your cryptocurrency to fiat currency at the point of sale. It looks like a normal debit card but draws from a crypto wallet instead of a bank account. The best ones make this conversion invisible to both you and the merchant.

Why use a crypto debit card?

You use a crypto debit card to spend your crypto gains without selling them manually. It bridges the gap between digital assets and real-world purchases. The right card turns your Bitcoin into coffee without five extra steps.

How to choose a crypto debit card?

Choose based on three factors: reliability, total cost, and reward sustainability. Ignore flashy cashback promises. Check the fee structure, geographic restrictions, and settlement speed. Test with small purchases before committing. A card that works 99% of the time beats one that pays 10% cashback but fails at checkout.

The Best Crypto Cards for Everyday Spending in 2026

1. Coinbase Card

The Coinbase Card integrates directly with your Coinbase account. It converts crypto to fiat at point of sale.

Pros:

• Instant conversion from Coinbase wallet
• Visa network acceptance worldwide
• Simple setup for existing Coinbase users
• No annual fee

Cons:

• 2.49% crypto liquidation fee per transaction
• Limited reward categories
• Requires Coinbase account
• High exchange spreads

Convenience costs money, and Coinbase charges premium rates for it.

2. KAST Card

KAST rebuilt the crypto card from zero. It runs on stablecoins first, treats volatility as a bug not a feature, and pays up to 6% cashback without demanding you lock up tokens. I tested KAST for three months straight. It worked at 47 different merchants across three states. Zero declines. The app shows your spend in real-time, and cashback posts instantly. No waiting 30 days. No staking requirements.

Pros:

• Up to 6% cashback on all purchases (highest in class)
• Zero monthly or annual fees
• Stablecoin-first design eliminates volatility risk
• Cashback credits instantly, no waiting period
• Real-time spending notifications
• Virtual card available immediately
• Supports USDC, USDT, and DAI
• Clean mobile app with transparent fee structure

Cons:

• Requires stablecoin holdings (not ideal for BTC maximalists)
• Smaller user base than legacy competitors
• Limited cryptocurrency selection

KAST treats crypto spending like cash spending. No games. No waiting. Just tap and go.

> Try Kast Card <

3. Binance Card

Binance offers up to 8% cashback in BNB. It’s built for crypto-native users.

Pros:

• High cashback potential for BNB holders
• Low conversion fees
• Large selection of supported cryptocurrencies
• Visa global acceptance

Cons:

• Geographic restrictions apply
• Requires BNB holdings for best rewards
• Complex tier structure
• Customer support can be slow

Binance optimizes for crypto-native users, not beginners.

4. Crypto.com Card

Crypto.com’s card requires CRO staking but delivers premium perks at higher tiers.

Pros:

• Up to 5% cashback on purchases
• Free Spotify, Netflix, and Amazon Prime
• Airport lounge access
• No monthly fees

Cons:

• Requires locking up CRO tokens
• Rewards have been devalued
• Complex tier system
• Capital at risk with staking

Crypto.com rewards loyalty, but only if you’re willing to lock capital.

5. Bybit Card

Bybit’s Mastercard focuses on utility over flash. It’s a straightforward spending tool.

Pros:

• Competitive forex rates
• Mastercard network reliability
• No annual or monthly fee
• Quick setup for Bybit users

Cons:

• Few reward programs
• Limited perks
• Newer product with less testing
• Requires Bybit account

Bybit’s card is a utility tool, not a lifestyle flex.

6. BitPay Card

BitPay has operated since 2016. It’s the battle-tested option in the US.

Pros:

• Long track record since 2016
• Direct wallet connection
• US-focused support
• Simple fee structure

Cons:

• $2,500 daily load limit
• No rewards or cashback
• Basic mobile app
• Limited international features

BitPay trades excitement for consistency, and that’s intentional.

7. Wirex Card

Wirex supports multiple fiat and cryptocurrencies in one account.

Pros:

• Multi-currency support
• Competitive exchange rates
• Established company
• In-app crypto purchase options

Cons:

• Monthly maintenance fees
• Complex fee structure
• Mixed customer reviews
• Requires identity verification

Wirex tries to be everything for everyone, which creates tradeoffs.

Frequently Asked Questions

Why do most crypto cards fail at basic payments?

Most crypto cards add conversion steps that merchants’ systems reject. The best cards process like regular debit cards.

Should I trust a crypto card with my salary?

Never load more than you can afford to lose. Start with small amounts and test reliability first.

What’s the real cost of crypto card rewards?

Rewards often require holding volatile tokens and come with hidden conversion fees. Calculate total cost before chasing perks.

Can I use these cards internationally without issues?

Yes, all cards listed use Visa or Mastercard networks. Check forex fees and crypto conversion costs per card.

How do tax implications work with crypto spending?

Spending crypto is a taxable event in most countries. Use a tracker like Koinly or CoinTracker for compliance.

Conclusion

The best crypto card isn’t the one with the flashiest rewards. It’s the one that works when you tap it at a gas station at 11 PM. I learned this after a year of public failures and private frustrations. Start with reliability. Test with small amounts. Only scale what works.

The Best Crypto Cards for Everyday Spending in 2026 Actually Worth Using was originally published in Coinmonks on Medium, where people are continuing the conversation by highlighting and responding to this story.

In early 2026 a seemingly boring capital rule change is about to tilt the entire stablecoin landscape in favor of USDC and the banks that hold it. Starting Q1 2026 banks will only need about $10 million in capital to hold $1 billion of qualifying USDC on their balance sheets, compared with roughly $125 million under the old framework. This shift comes from the Basel Committee’s decision to slash risk weights on regulated stablecoins by about 92% moving them from a punitive 1,250% bucket closer to normal credit exposures for high quality assets. In practical terms, what used to be economically impossible for banks at scale suddenly becomes cheap and attractive.

The numbers behind this change explain why it matters so much. Under the old 1,250% risk weight, every $1 of stablecoin exposure forced a bank to hold $1.25 of capital, which made holding billions of USDC equivalent to treating it like the riskiest crypto on the market. Revised Basel guidance carves out a category for “qualified” or regulated stablecoins, including USDC, and drops their risk weight toward 100% for capital calculations. That is what turns a $125 million capital requirement into something closer to $10 million for the same $1 billion position. For large institutions that think in terms of return on equity, this is the difference between “why would we ever touch this” and “we can actually size this position meaningfully.”

At the same time Circle just secured something banks understand better than any narrative: a charter. On December 12 the OCC granted Circle conditional approval to form a national trust bank known as First National Digital Currency Bank to oversee USDC reserves under federal supervision. As a national trust bank Circle can manage USDC’s backing inside the same regulatory perimeter that governs traditional fiduciary custodians, which directly addresses long running concerns about reserve safety, segregation and oversight. This upgrade comes while Circle is already printing money from its model, with recent quarters showing about $740 million in revenue and reserve income at roughly 99% gross margins because nearly all of that income comes from interest on the Treasuries and cash that back USDC rather than from operating fees.

Put those pieces together and a new structural buyer appears. Banks collectively sit on roughly $10 trillion in liquid reserves and cash like assets. If even 1% of that stack migrates into USDC positions, that is about $100 billion flowing into USDC related balances. USDC’s circulating supply is currently in the tens of billions, so a 1% allocation from bank reserves alone would be enough to roughly double outstanding supply. This is not trading volume that can vanish when the narrative cools. It is a structural, balance sheet level bid that arrives because capital rules and charters finally line up to make USDC look like a safe, well regulated way to hold digital dollars rather than a risky side bet.

The Basel revision changes the psychology as well as the math. For years regulators lumped stablecoins together with unbacked crypto and punished banks for even thinking about holding them. Now the international standard setter is drawing a bright line between speculative tokens and properly structured, fully reserved stablecoins. Once that line exists, risk committees at major institutions can argue that holding USDC is closer to holding a short term dollar asset with clear oversight than to gambling on Bitcoin. The OCC’s trust bank approval for Circle reinforces that view by signaling that federal supervisors are comfortable with USDC reserves being managed inside a chartered entity.

From Circle’s perspective the opportunity is enormous and slightly terrifying. The firm currently enjoys near pure margin economics on its reserve interest because users get a 0% yield while Circle captures what the Treasuries earn. If hundreds of billions of institutional dollars begin flowing into USDC because capital rules are now friendly, political and competitive pressure will mount to share some of that yield, especially as banks experiment with tokenized deposits that do pay interest. Circle’s new bank status gives it the regulatory credibility to court that institutional flow while also putting it under closer scrutiny about how much of the reserve income it keeps.

For the broader market the key insight is that this is not just “number go up” speculation. A 92% cut in risk weights turns USDC from a fringe asset in the eyes of global bank rules into something that can live comfortably on balance sheets without blowing up capital ratios. Circle’s trust bank charter turns USDC reserves into something supervisors can directly see and regulate. And $10 trillion in bank liquidity means that even small percentage shifts can create a massive, persistent source of demand. The next phase of stablecoin growth is being written in regulatory footnotes and capital models, not on crypto Twitter, and it points toward a world where USDC is less a trading chip and more a permanent part of how banks park and move dollars on chain.

Originally published at https://coinbasecorridor.blogspot.com on December 16, 2025.

Why A Quiet Rule Change Could Unleash A $100 Billion Stablecoin Tsunami was originally published in Coinmonks on Medium, where people are continuing the conversation by highlighting and responding to this story.

Something huge just shifted in digital money and most crypto holders are still trading memes while the real disruption moves quietly on chain. JPMorgan just brought its $10 trillion per day payments machine into the same arena as USDC and USDT, but under rules that let it do 1 thing the stablecoin giants legally cannot: share the yield. This is not another altcoin narrative. This is the start of a structural fight over who gets to earn interest on trillions of tokenized dollars and who gets left holding non yielding bags.

JPM Coin, branded as JPMD on Coinbase’s Base network, is not a classic stablecoin. It is a tokenized bank deposit that sits directly on JPMorgan’s balance sheet as a claim on real bank money, and it can pay you normal bank interest while it sits in an approved wallet. JPMorgan describes JPMD as a USD deposit token for institutional clients that represents actual deposits and supports near instant transfers on Base 24/7. Deposits in JPMD earn interest the same way a regular institutional account would, with the twist that now those balances move across a public L2 instead of through closed bank rails. The crucial point is legal status: this is deposit money, not a money market style stablecoin, so interest to holders is expected, not forbidden.

Circle and Tether are stuck in a different legal box. USDC is structured as a fully reserved stablecoin, with Circle holding almost all reserves in cash and short term Treasuries and keeping the yield on those reserves as its primary business model. In Q3, Circle generated about $740 million in revenue and reserve income, with roughly 96% of that coming from interest on the Treasuries and cash that back USDC rather than from fees or subscriptions. That income flows to Circle’s bottom line because stablecoin frameworks and their own disclosures commit them to 1:1 redeemability and full collateralization, not to passing through interest to token holders. Tether’s model is similar: high yield on reserves, no yield for you.

That setup worked as long as banks were clumsy, regulators were hostile and tokenized dollars lived mostly outside the regulated core. Now the board has flipped. JPMorgan has turned JPMD into a bridge from its internal ledger to Base, effectively treating a public blockchain as an extension of its global cash management franchise. The bank processes about $10 trillion in traditional payments every day, and even a small fraction of that moving as tokenized deposits instantly creates a liquidity ocean that no standalone stablecoin issuer can match. Because these are regulated deposits, JPMorgan can legally offer rates like 4% on tokenized balances, while Circle and Tether cannot write “we will pay you 4% on USDC or USDT” without detonating their regulatory status.

This is where the “second stablecoin war” really begins. The first war pitted USDC against USDT in a race for mindshare, liquidity and integrations. Both sides played the same game: promise 1:1 backing, keep the yield from Treasuries, and fight on transparency, exchange listings and ecosystem deals. The new war is different. It is banks versus stablecoin issuers, with asymmetric weapons. Banks can tokenize insured deposits, plug directly into DeFi rails through permissioned wallets, and legally share the interest stream with customers. Stablecoins are locked into a non interest bearing structure where all that yield accrues to the issuer, not the holder.

Regulators are helping to tilt the field. New US rules created clear categories for “stablecoins” versus “deposit tokens” and encouraged highly regulated banks to issue tokenized money instead of letting non bank issuers dominate dollar rails. JPMorgan’s own white papers argue that bank issued deposit tokens are safer than independent stablecoins because they come with existing prudential oversight and, in many cases, deposit insurance. Once those same banks are allowed to pay competitive yields on tokenized balances, they can undercut Circle’s and Tether’s silent tax on users, where every $1 of stablecoin you hold is a free loan that lets the issuer keep the interest.

Circle’s financials show exactly what is at stake. When 96% of revenue comes from interest on reserves, any move that forces them to share that interest with users or compete with yield bearing bank tokens directly attacks the core economics of the business. A world where major banks offer 4% on tokenized deposits on public chains is a world where holding non yielding USDC or USDT starts to look like leaving rewards unclaimed. For trading firms, treasurers and DeFi protocols, the rational move is obvious: migrate collateral and settlement balances toward instruments that pay, provided they can still plug into the same on chain infrastructure.

The legal line is brutal in its simplicity: only 1 side can share the revenue. Bank issued deposit tokens like JPMD can pay interest as normal deposits while living on a public blockchain. Classical stablecoins like USDC and USDT are designed to be fully collateralized, non interest bearing claims whose issuers sit on the yield. That means the “second war” is not about branding or chain choice, it is about whether the future of on chain dollars belongs to highly regulated institutions that are finally stepping into crypto’s backyard or to the crypto native issuers that built the first generation of digital dollars but now cannot legally match the new offer. If banks win and absorb the yield business at scale, Circle and Tether do not just lose market share. They lose the economic engine that made stablecoins such a profitable corner of crypto in the first place.

Originally published at https://coinbasecorridor.blogspot.com on December 16, 2025.

Banks Just Declared War On Stablecoins And Crypto Has No Idea What Is Coming was originally published in Coinmonks on Medium, where people are continuing the conversation by highlighting and responding to this story.

The rise of cryptocurrency markets has brought with it a host of new actors and mechanisms that underpin trading activity. Among these, the role of Liquidity Providers (LPs) is fundamental. Without LPs, trading platforms would be unable to function smoothly, users would encounter wide spreads between buy and sell prices, and the overall market would become inefficient and unattractive. Yet while LPs are indispensable to the health of modern crypto markets, they also introduce significant and nuanced anti‑money laundering (AML) and counter‑terrorist financing (CFT) risks. Understanding who they are, how they operate, and how regulators and exchanges should engage with them is therefore critical for maintaining trust and integrity in the sector.

Liquidity Providers Explained

Liquidity provision in crypto markets mirrors, to some degree, the concept of market‑making in traditional finance. LPs place assets into circulation to ensure that buyers and sellers can transact quickly and at prices that reflect fair market conditions. By narrowing the gap between bid and ask prices, they solve the problem of “thin” order books, where trades would otherwise be slow, costly, and prone to manipulation.

On centralized exchanges (CEXs), liquidity provision typically takes the form of professional market‑making. A trading firm may enter into a formal agreement with a licensed exchange to maintain an orderly market by continuously placing buy and sell orders around the prevailing price of an asset. For instance, an LP might deposit large amounts of Bitcoin and stablecoins, then deploy algorithms that place bids slightly below market and asks slightly above. Retail traders are matched against these orders, and the LP profits from the spread and, in some cases, rebates or incentives provided by the exchange.

On decentralized exchanges (DEXs), the mechanics are very different but the function is similar. Here, liquidity is provided not through an order book but via automated market makers (AMMs). An entity deposits equivalent values of two tokens into a “liquidity pool” governed by a smart contract — for example, ETH and USDT. In return, the provider receives LP tokens, which represent its share of the pool. Traders who swap tokens interact directly with the pool, and fees collected on each trade are distributed back to LPs. This model is permissionless: anyone with the required assets can become an LP, from retail users to sophisticated funds.

Who Are the Liquidity Providers?

While in decentralized finance retail participants may contribute, the majority of meaningful liquidity provision in the crypto sector is carried out by sophisticated, well‑capitalized entities. Specialist market‑making firms such as Wintermute, Jump Crypto, and GSR operate across dozens of exchanges, deploying quantitative strategies to provide liquidity at scale. Hedge funds with a crypto focus also participate, often as part of market‑neutral strategies. In some cases, exchanges themselves operate proprietary trading desks to guarantee baseline liquidity on their platforms, although this raises potential conflicts of interest. Over‑the‑counter trading desks, which facilitate large private transactions, also act as liquidity providers in order to manage their inventory and hedge exposures.

The common thread is that LPs are not casual participants. They are entities with significant technical capability, large capital reserves, and a central role in the functioning of crypto markets. Precisely because of this importance, their activities warrant careful regulatory and compliance attention.

The Regulatory Landscape

The regulatory treatment of LPs remains an evolving and often grey area. In most jurisdictions, an LP that is merely trading for its own account is not required to hold a licence. Such activity is considered proprietary trading, positioning the LP as a client of an exchange rather than a service provider to the public. As a result, many LPs operate without direct licensing.

However, international standards — in particular, the Financial Action Task Force (FATF) definition of a Virtual Asset Service Provider (VASP) — complicate the picture. Depending on interpretation, the activities of an LP could be viewed as falling within the scope of “participating in and provision of financial services related to an issuer’s offer and/or sale of a virtual asset.” Regulators are still refining their positions on this point.

In Hong Kong, the Securities and Futures Commission (SFC) has made it clear that licensed virtual asset exchanges bear the regulatory burden. The exchange must be licensed, but the liquidity provider, as a trading client, is not required to obtain a separate licence solely for its liquidity provision activities. That said, if the LP engages in other regulated businesses, such as asset management or securities dealing, it must obtain the relevant authorizations.

The crucial point is that, even if LPs are not directly licensed, they are indirectly regulated through the exchanges on which they operate. Licensed exchanges in Hong Kong and other jurisdictions carry full obligations under AML/CFT legislation, including the AMLO, to conduct customer due diligence on institutional clients. This makes the exchange the first line of defence in managing the risks associated with LPs.

AML and CFT Risks Associated with LPs

The scale and complexity of liquidity provision mean that LPs can pose significant AML/CFT risks. The most obvious is that an LP could serve as a vehicle for illicit actors to channel large volumes of funds through exchanges under the guise of market‑making. Because LPs transact at high frequency and with substantial capital, their flows can be used to layer and integrate criminal proceeds in ways that are difficult to detect.

There are also risks of manipulative practices. Wash trading — where an LP trades with itself to inflate volume — or layering strategies designed to create misleading market signals can not only undermine market integrity but also obscure the underlying source and purpose of funds. The involvement of LPs in decentralized finance adds further challenges, as the permissionless nature of DEXs allows actors to engage without traditional onboarding, making the provenance of funds even harder to establish.

Managing the Risks: A Risk‑Based Approach for Exchanges

Given these challenges, exchanges must adopt a rigorous and risk‑based approach to managing LP relationships. Treating LPs as though they were ordinary retail customers is inadequate. Instead, exchanges should apply institutional‑grade due diligence at the onboarding stage, beginning with a full Know Your Business (KYB) process. This requires unwrapping all corporate layers until the true ultimate beneficial owners are identified, verifying the identities of directors and key controllers, and demanding clear evidence of source of wealth and source of funds. Reliance on simple self‑declarations is insufficient when multi‑million‑dollar liquidity positions are at stake.

Once onboarded, LPs must be subject to ongoing monitoring tailored to their unique trading patterns. Blockchain analytics tools can be deployed to trace the origin and destination of funds, flagging any links to mixers, sanctioned entities, or darknet markets. Exchanges should maintain continuous oversight of an LP’s trading behaviour, watching for inconsistencies between declared strategies and observed activity, as well as red flags such as one‑sided betting or unusual directional exposures. Where red flags arise, enhanced due diligence must be triggered without hesitation.

Contractual arrangements can also reinforce compliance expectations. Agreements between exchanges and LPs should contain explicit AML obligations, including warranties of compliance, rights to demand further information, and the ability to suspend or terminate relationships where suspicious activity is detected.

Conclusion

Liquidity providers are indispensable to the functioning of the crypto market. They ensure that buyers and sellers can transact efficiently, giving exchanges the depth and stability necessary for trading to thrive. Yet their very importance, combined with the scale of their operations, makes them attractive channels for illicit finance if not properly managed.

The regulatory environment remains in flux, and LPs themselves often operate without direct licences. This reality places the burden squarely on exchanges, which must adopt rigorous due diligence and monitoring frameworks to mitigate the risks. For jurisdictions like Hong Kong, where virtual asset regulation is becoming increasingly sophisticated, the expectation is clear: exchanges must not only understand who their liquidity providers are, but also demonstrate that they have taken meaningful steps to assess and control the risks involved.

As crypto markets mature and liquidity provision grows in scale — increasingly overlapping with cross‑border fund flows, hedge fund strategies, and even connections to decentralized finance and crypto‑exchange ecosystems — the AML implications become more material. If exchanges and regulators fail to address these risks, liquidity provision could become a significant weak point in the global financial crime framework. To prevent this, supervisory expectations for LP engagement must rise to a level comparable with the standards applied to other financial institutions. Only then can the benefits of liquidity provision be realized without compromising the integrity of the financial system.

References

• What are Liquidity Providers in Crypto
• 7 Best Crypto Liquidity Providers: Complete Guide for 2025

Liquidity Providers in the Crypto Market: Function, Risks, and AML Considerations was originally published in Coinmonks on Medium, where people are continuing the conversation by highlighting and responding to this story.

Introduction: A New Era for Digital Assets in Hong Kong

When the Stablecoin Ordinance takes effect on August 1, 2025, Hong Kong will officially enter a new phase in the evolution of its digital asset ecosystem. At the heart of this transformation lies a landmark set of Anti-Money Laundering (AML) guidelines issued by the Hong Kong Monetary Authority (HKMA). These are not mere procedural checklists — they represent a deliberate, carefully engineered framework intended to shape a new generation of licensed, transparent, and globally credible stablecoins.

While the guidelines reaffirm familiar regulatory pillars such as Customer Due Diligence (CDD) and Suspicious Transaction Reporting (STR), they introduce a decisive and globally significant requirement: every stablecoin holder’s identity must be continuously verifiable. This is not about a one-off onboarding check; it is about maintaining an ecosystem where all participants in the value chain are known and identifiable.

The rule is deceptively simple yet transformative in scope: a licensed stablecoin can only be transferred to a wallet address confirmed to belong to an identity-verified individual or entity. Verification can be performed by the issuer itself, a regulated financial institution, or a trusted third-party provider. In short, the HKMA envisions a stablecoin environment with no anonymous corners, replacing opacity with accountability.

Why This Matters: The Global Regulatory Landscape

To blockchain traditionalists and DeFi purists, such a restriction may appear to close the open architecture of permissionless systems, replacing the borderless ethos of public ledgers with a permissioned, “closed loop” model. But the decision is not arbitrary — it is a pointed answer to the international community’s mounting scrutiny of anonymous transactions.

The world’s leading AML standard-setter, the Financial Action Task Force (FATF), has long warned about the systemic risks posed by “unhosted” or self-custodied wallets transacting directly on a peer-to-peer basis. Because these transactions sidestep regulated Virtual Asset Service Providers (VASPs), they evade the reach of conventional KYC controls and the obligations of the Travel Rule, which mandates that identifying information about both sender and receiver accompany each relevant transaction. HKMA’s new mandate is essentially a pre-emptive strike against this vulnerability — embedding compliance rules directly into the nature of the asset itself.

The Bank for International Settlements (BIS) adds another layer to the argument. Through multiple reports, it has underlined the “illusion of decentralisation” in many DeFi systems. While the infrastructure may be distributed, real decision-making and control are often concentrated in identifiable developers, operators, or governance bodies. In such cases, leaving transactions entirely anonymous erodes the ability to apply AML/CFT rules and risks undermining financial stability. For DeFi projects to integrate smoothly and safely with traditional finance, BIS argues, structural gaps in compliance must be closed. HKMA’s position, therefore, is as much about future-proofing Hong Kong’s ecosystem as it is about meeting today’s global standards.

How It Can Be Done: Embedding Compliance in Code

The challenge, of course, lies in practical implementation: how can such a rule be enforced on a public blockchain without destroying the asset’s usability and liquidity?

The answer is to build compliance into the very DNA of the token — making it impossible for a transfer to occur unless certain rules are met. Technologically, this is made possible by “permissioned token” architectures that check wallet eligibility on-chain before settling a transaction. Such designs revolve around whitelisting: a transfer will only succeed if both the sender’s and receiver’s wallet addresses are pre-approved.

One mature, highly relevant framework is ERC-3643, a formal Ethereum token standard specifically optimised for regulated digital assets such as stablecoins and tokenised securities.

ERC‑3643 in Practice

ERC‑3643 is more than just a technical specification; it is a comprehensive compliance framework woven directly into the fabric of a digital asset. It achieves this by cleanly separating the legal and regulatory “rules of the game” from the token’s core transactional logic, while still binding them together so they function seamlessly. At the centre of this architecture is the Token Contract, the piece of on‑chain code that represents the stablecoin itself. Unlike a conventional token, it is programmed to verify that certain conditions are met before a transfer can occur. Rather than immediately moving funds from one wallet to another, the Token Contract pauses to consult a second layer of infrastructure — the Compliance Contract.

The Compliance Contract acts as an automated gatekeeper, a programmable set of instructions that determines whether a transaction is permissible. To make such judgments, it draws upon a third critical component: the Identity Registry. This registry is an on‑chain directory that links each wallet address to a series of verifiable attributes about its owner, often called “claims.” These claims might confirm that the holder has passed Know‑Your‑Customer checks, indicate their jurisdiction of residence, or record whether their address has been flagged for sanctions.

When someone attempts to send a stablecoin, the Token Contract queries the Compliance Contract, which in turn cross‑checks both the sender’s and the recipient’s claims stored in the Identity Registry. Only when the required conditions — such as KYC approval or sanctions clearance — are fully satisfied will the transfer proceed. This entire process occurs in real time, without any manual intervention, embedding compliance directly into the speed and certainty of blockchain transactions. It is instantaneous, impartial, and transparent, giving regulators a living, auditable record of the rules in action.

Through this interplay of token, registry, and compliance logic, ERC‑3643 turns regulatory guidelines into self‑executing on‑chain controls. It makes anonymous transfers virtually impossible, allows problematic addresses to be frozen or restricted in moments, enables straightforward adherence to Travel Rule obligations, and gives regulators a clear window into how compliance is applied across the ecosystem. In essence, it shifts enforcement from paper policy to native blockchain behaviour.

Conclusion: Building the Bridge, Not Closing the Gate

Hong Kong’s stablecoin regulation signals more than compliance — it signals the city’s intent to become a global hub for regulated digital assets. By mandating identity-verifiable participation, the HKMA is creating the conditions for stablecoins to serve as trusted, mass-market financial instruments, not niche or speculative vehicles.

For issuers, the message is clear: adopting technologies like ERC-3643 is rapidly moving from “forward-thinking” to operationally essential. It addresses policy imperatives such as the FATF Travel Rule, provides regulators with transparent oversight, and reassures institutional players wary of reputational risk.

Far from stifling innovation, designing stablecoins with compliance woven into their code expands the field of legitimate use cases — from retail payments to cross-border settlement — and strengthens the bridge between Web3 innovation and traditional finance.

In doing so, Hong Kong is not turning its back on decentralised finance; it is laying the foundation for a resilient, credible, and globally connected stablecoin ecosystem — one that the international community can trust and the market can confidently embrace.

Looking ahead, one pressing question emerges: if identity verification and wallet address registration become standard practice across FATF member jurisdictions and major financial hubs, can the process evolve to be both more secure and more user‑friendly? The answer may lie in the maturation of blockchain‑based Decentralised Identity (DID) solutions, which promise to give individuals greater control over their personal data while meeting the stringent demands of regulators. It remains to be seen whether such technologies will rise to prominence as the preferred bridge between regulatory compliance and the convenience that digital asset users expect.

References

• Hong Kong Monetary Authority - Regulatory Regime for Stablecoin Issuers
• Hong Kong stablecoin bill's client identity rules spark industry concern
• Hong Kong rules require identity of every stablecoin holder - Ledger Insights - blockchain for enterprise
• Hong Kong's Stablecoin Law Triggers Industry Concerns Over KYC Rules - Fintech Hong Kong

Compliance by Design: Decoding Hong Kong’s New AML Blueprint for Stablecoins was originally published in Coinmonks on Medium, where people are continuing the conversation by highlighting and responding to this story.

Finacial Deception

The Greatest Lie in Finance: How Big Banks Cash in Billions from the State — and Why We All Pay the Price

Banks create money from nothing, enjoy billions in hidden subsidies, and never truly fail. Here’s the system they don’t want you to understand.

As a well-educated citizen, you will certainly not believe what I say, but banks are not ordinary companies. How dare I make such a blatant claim? Well, banks enjoy privileges that make them untouchable — and we all pay the price for it. While small businesses and individuals have difficulty getting credit, banks can create money out of thin air. But that’s not all: the state guarantees their survival, no matter how recklessly they operate. Losses are socialised, while profits remain private. What sounds like the beginning of a dire economic thriller is in fact the basis of our financial system.

The Hidden Power of Banks: How They Create Money from Nothing

It is one of the best-kept secrets in the financial world: banks are not just companies that generate profits through loans and financial services. They are state-backed companies that operate an exclusive business model that has little to do with the principles of a free market. Unlike normal companies, which need capital for investments, banks have a unique privilege: they create money out of nothing — a mechanism that the general public hardly understands and that banks go to great lengths to keep secret.

The economist Adriel Jost succinctly said in an interview with the NZZ that banks are not ordinary market participants. When individuals or companies need capital, they must first earn it or borrow it from an investor or a bank. Banks, on the other hand, have the privilege of granting loans without first having the necessary funds. They create money by granting loans. This process creates new book money, which only exists as a number in banking systems. This form of money creation gives them an enormous advantage: while citizens or companies have to work to earn money, a bank can create it at the touch of a button — and charge interest for it.

Now, imagine you could do the same. You are sitting in a bar, you have had a few drinks, and it is time to pay. Instead of using cash or a card, you simply write on a napkin: ‘I, Kevin, owe this bar €50.’ And somehow, that piece of paper becomes official currency — not just for that bar, but for any business in town. That is essentially what central and national banks do in particular. But if you or I tried that, we would be laughed at, arrested or banned from the bar for life.

A System No One Understands — Because It Was Designed That Way

The M0 money supply consists of physical cash — the only form of money that exists in tangible form. But let’s not forget that it’s just printed paper, worth about as much as our worn paper napkin from earlier. M1 includes demand deposits, i.e. the money in our checking accounts. A significant discrepancy is already apparent here: most of this money does not exist as physical cash but only as a number in the banks’ computer systems. M2 and M3 go even further and include long-term deposits and financial instruments that have almost no connection to real money. But is M3 money at all? This measure consists mainly of credit money created by debt and securitisation. It has no physical form and exists only as a digital IOU. If everyone were to withdraw their M3 money simultaneously, the system would collapse — because the money is nothing more than a statistical illusion.

And let’s be honest, the whole thing sounds somewhat fictitious. It is ultimately more the exact description of a pyramid scheme, isn’t it? In such a scheme, new players must always be found who dutifully deposit money, but no one should get the idea that they should ever expect to be paid back. If you tried to explain our existing monetary system to a child, they would probably quickly expose you as a fraud. ‘So there is money, but there is no money? Some of the money exists, but most doesn’t exist, and we all just pretend that it does?’ That’s right, little Timmy! Now go to sleep and let the adults continue playing Monopoly in their own dream world.

A common criticism of Bitcoin is that it has no intrinsic value. But does our modern fiat money have any at all? Critics argue that fiat currencies are backed by an economy, while Bitcoin is based solely on trust. However, this comparison does not stand up to scrutiny. In fact, it’s the other way around. The term’ fiat money’ itself is derived from the Latin word ‘fiat’, which means ‘let it be done!’ because it refers to a medium of exchange without intrinsic value. If a currency were indeed backed by an economy, there would have to be a responsible authority that is literally liable for its value. However, this is not the case. Central banks expand the money supply in a rather tricky way and regulate interest rates. Only the current moneyholder bears the loss if the euro or the US dollar loses value. It’s like the popular children’s card game ‘Black Peter’. No central bank guarantees that a certain amount of euros or dollars can be exchanged for a fixed economic output or an asset. The monetary system is thus based on a massive fiction.

The glue that holds the financial economy together is trust. There is no intrinsic value, gold standard, or tangible security backing our money. We now know that what we use as a medium of exchange is nothing more than more or less worthless printed paper — or, even more absurdly, mere numbers in a database. M1 and beyond do not physically exist; they are merely digitally recorded promises. Trust is the only basis on which our financial system rests. But trust is fragile. It can be shaken — by crises, by mismanagement, by inflation. History has shown that any unfunded currency system eventually collapses because there is no objective guarantee to back it. Our current financial system is not a stable foundation but a bet that confidence will remain.

The State as a Shield: Why Banks Never Fail

Another crucial aspect is that banks are protected by the state, both through direct and indirect guarantees. Those with a bank account often believe their money is safe there. In reality, customers entrust their money to the bank, which uses it for investments or loans. Theoretically, a bank could go bankrupt if all customers withdrew their money simultaneously.

In 2022, the Nobel Memorial Prize in Economic Sciences was awarded to US economists Ben Bernanke, Douglas Diamond and Philip Dybvig. In particular, the model developed by Diamond and Dybvig analyses the mechanisms that can lead to a bank run and shows how depositor confidence is crucial to the stability of banks. Due to maturity transformation (short-term deposits vs. long-term loans), the model indicates that banks never have 100% of deposits available for immediate payment. This means that a bank run on even a tiny proportion of deposits can drive a bank into insolvency. In 2007, a withdrawal of around 5% of deposits from the British bank Northern Rock led to the first bank rescue of the financial crisis. In 2023, an outflow of around 38% of the liquid funds of the Swiss bank Credit Suisse forced it into the arms of UBS.

To prevent this, the state steps in with guarantees, rescue mechanisms, and emergency central bank loans. These implicit subsidies allow banks to take risks that would be unthinkable for ordinary companies. In the end, society bears the losses, while the profits remain in private hands.

A Global Phenomenon: Billions in Subsidies for Banks

These hidden privileges have recently come to light in Switzerland. According to some estimates, the Swiss banking sector receives around 30 billion Swiss francs in implicit subsidies each year. This is more than the entire Swiss agricultural sector receives in government support. And this system is by no means unique to Switzerland. Across the European Union, these hidden subsidies amount to as much as 200 billion euros annually. The figure in Germany is at least €25–50 billion, while in the United States, implicit bank benefits are estimated at $20–70 billion annually. These figures illustrate that banks do not operate in a free market but in a tailor-made system that makes them untouchable.

The Credit Suisse Collapse: A Case Study in Banking Reality

The Credit Suisse bailout in 2023 laid bare just how deeply flawed the global banking system is. The Swiss financial giant didn’t crumble because of a lack of customers or bad business decisions — it collapsed because of a loss of trust. Customers panicked and withdrew their funds, triggering a liquidity crisis. Within days, UBS took over Credit Suisse in a government-backed rescue deal, and just like that, one of the biggest names in banking was wiped off the map.

This isn’t an isolated case. The Commerzbank bailout during the financial crisis showed a similar pattern in Germany. And in the United States, billions of dollars were injected into failing banks during the subprime mortgage crisis, propping up institutions that had gambled recklessly. The pattern is always the same: when banks profit, they go to shareholders and executives. When banks lose money, society picks up the tab.

BlackRock: The Invisible Puppet Master of the Financial System

If there is one company that truly embodies the expression ‘too big to fail’, it is BlackRock. The world’s largest asset manager has tentacles in everything — banks, companies, governments, climate policy, real estate — probably even in your grandmother’s pension fund. It has embedded itself deeply in the European banking sector and holds significant stakes in Deutsche Bank, BNP Paribas and numerous other financial giants. If the financial system were the mafia, BlackRock wouldn’t be one of the shady crooks — it would be the godfather.

But here comes the real kicker: BlackRock is also knee-deep in Cryptocurrency. While banks and regulators struggle to understand Bitcoin, BlackRock is launching Bitcoin ETFs, investing in blockchain infrastructure, and ensuring that it makes money whether the traditional financial system thrives or collapses. The same company that keeps traditional banks afloat is ensuring that Cryptocurrency doesn’t get too wild.

Banks don’t know how to deal with cryptocurrencies — BlackRock does. That’s because cryptocurrencies aren’t based on debt, inflation, or control. They are a digital asset that is verifiable on the blockchain and out of reach of traditional banking structures. Banks can’t print them, and they can’t manipulate their supply. They are the exact opposite of everything they are.

Crypto as a Game-Changer — The Nightmare of Central Banks

If traditional banks create debt-based money, Crypto is their worst nightmare. Bitcoin is a limited-supply asset recorded on a decentralised blockchain, the polar opposite of fiat money. Fiat is an inflation-plagued promise of debt, the supply of which can be manipulated at will and is generously printed by centralised governments. On the other hand, Crypto is out of reach for central banks.

Banks and central banks are desperately trying to react. But how do you regulate something that was designed to evade regulation? Not at all. That’s the problem. The Federal Reserve, the European Central Bank, and other financial institutions are overwhelmed by cryptocurrencies. It’s like giving an old-school librarian an iPad and asking them to ‘fix the internet.’ They don’t even know where to start.

BlackRock, on the other hand, can make money with cryptocurrencies because BlackRock makes money with everything. Trump could do it with his eponymous meme-coin. But banks? No chance. Cryptocurrencies were explicitly designed to keep them out.

Conclusion: The Financial System Is a House of Cards — But What Happens When an Alternative Emerges?

For centuries, banks have held a monopoly on money. They create it, distribute it, inflate it, and lend it — all under the protection of governments and central banks. This is not a flaw in the system — it is the system! The public is unaware of this, distracted by the complexity of financial jargon, while banks print money at will with impunity and pass the consequences on to everyone else.

Banks have nothing to fear today. There is no real alternative. Every currency, every financial transaction, and every paycheck flows through their networks. But what if that changes?

For anything to change, a few things must first change because Bitcoin doesn’t pose a threat right now. Its market cap is too small, its adoption too niche, and institutional money can’t flow into Bitcoin on a large scale without distorting the market. But what happens when Bitcoin hits $1 million per coin? If it becomes a multi-trillion-dollar asset competing with gold, it is suddenly no longer a curiosity but a competitor.

Bitcoin would be big enough to no longer be ignored at that scale. It would be too stable to be dismissed and too valuable to be manipulated in the same way that central banks manipulate fiat currencies. It would exist outside the banking system, immune to inflation and free from government control. That is when the traditional financial system loses its influence — not because of regulation or government intervention but because people and institutions naturally switch to the better option.

This is what central banks fear most. Not regulation. Not financial crises. But irrelevance.

Right now, banks still have all the power. But history has shown that no monopoly lasts forever. The real question is: when the cracks in the system finally become too big to ignore, where will your money be?

The Greatest Lie in Finance: How Big Banks Cash in Billions from the State — and Why We All Pay… was originally published in Coinmonks on Medium, where people are continuing the conversation by highlighting and responding to this story.

🧩 The Digital Identity Revolution

In today’s highly connected world, digital identity is more than just a username or password — it is the key to secure access across online platforms, services, and transactions. Traditional identity systems rely heavily on centralised databases controlled by third-party institutions. This centralized approach often leaves users with limited control over their personal data, resulting in identity theft, data breaches, slow verification processes, and compliance challenges.

Decentralized Identity (DID) represents a transformative solution. Leveraging blockchain technology, DIDs allow users to control, manage, and share their identity information securely, eliminating reliance on centralized authorities. By combining self-sovereign identity (SSI) with verifiable credentials (VCs), individuals and organizations gain complete autonomy over digital identity, while enterprises streamline verification, reduce fraud, and ensure regulatory compliance.

At Duredev, we deliver blockchain-based decentralized identity solutions that follow W3C standards, ensuring privacy-first, interoperable, and globally scalable systems.

⚠️ Limitations of Traditional Identity Systems

Centralized identity management faces persistent challenges:

• Data Fragmentation: Personal and organizational information is scattered across multiple platforms.
• Limited User Control: Users cannot manage who accesses their data.
• Security Vulnerabilities: Centralized databases are prime targets for hackers.
• Inefficient Verification: Cross-border verification processes are slow, costly, and prone to errors.
• Regulatory Compliance Challenges: Meeting global privacy and data security standards is complex.

By implementing decentralized identity solutions, Duredev ensures that organizations can maintain secure, user-centric, and fully compliant identity systems, bridging the gaps left by traditional frameworks.

🔄 How Decentralized Identity Works

A Decentralized Identity (DID) system is built on four fundamental components:

1. DID Creation: Unique identifiers (e.g., did:ethr, did:key) are registered on a blockchain.
2. DID Documents: These store public keys, service endpoints, and verification metadata, enabling third parties to authenticate credentials.
3. Verifiable Credentials (VCs): Digital proofs that can be verified without a central authority, ensuring authenticity, integrity, and non-repudiation.
4. Identity Wallets: Secure apps that allow users to manage, share, or revoke credentials in a controlled manner.

With Duredev Decentralized Identity Services, enterprises and platforms can issue, manage, and verify credentials efficiently, ensuring security, compliance, and user trust.

🏗️ Applications Across Industries

Decentralized Identity is creating value across multiple sectors:

1. Education

• Issue digital diplomas, degrees, and certificates that are verifiable worldwide.
• Reduce administrative costs and eliminate the risk of fake academic records.
• Enable cross-institution verification in real-time for admissions or recruitment.

2. Healthcare

• Securely share patient records, medical licenses, and prescriptions.
• Ensure HIPAA-compliant handling of sensitive data.
• Simplify verification of practitioners across hospitals, clinics, and insurance providers.

3. Finance & Fintech

• Streamline KYC/AML compliance using blockchain-based verifiable credentials.
• Implement passwordless login for banking, payment apps, and DeFi platforms.
• Reduce fraud and onboarding time for new customers.

4. Government & Public Services

• Issue digital passports, national IDs, and voter IDs that are tamper-proof.
• Improve accessibility while ensuring privacy and regulatory compliance.

5. Web3 & Crypto Platforms

• Onboard users with interoperable blockchain-based identity systems.
• Enhance security for wallets, DAOs, and NFT marketplaces.

Digital Identity Solutions from Duredev provide end-to-end infrastructure for these use cases and more, offering global compliance and real-time verification.

🔐 Why Choose Duredev for Digital Identity?

Duredev offers full-stack decentralized identity solutions, delivering:

1. W3C Standards Compliance: Ensures global interoperability and adherence to recognized specifications.
2. Privacy-First Architecture: Users retain complete control over their data, sharing only what’s necessary.
3. Full-Stack Solutions: Includes identity wallets, enterprise system integration, and secure credential issuance.
4. Strategic Guidance: Expert consulting on DID & VC adoption, passwordless authentication, and regulatory compliance.
5. Fraud-Resistant Verification: Blockchain-backed systems prevent tampering and identity theft.
6. Scalable Global Deployment: Ready for multi-country rollouts and enterprise-level adoption.

🔄 Passwordless Login & Secure Authentication

Passwordless login is becoming a global standard for secure, frictionless access:

• Enhanced Security: Cryptographic keys replace traditional passwords, reducing phishing and credential theft.
• Improved User Experience: Seamless login across multiple platforms.
• Cross-Platform Interoperability: Compatible with both Web2 and Web3 ecosystems.

Passwordless Authentication Solutions from Duredev simplify onboarding while maintaining full regulatory compliance.

⚙️ Step-by-Step Implementation for Enterprises

Integrating decentralized identity systems may seem complex, but with Duredev it’s streamlined:

1. Assessment & Strategy: Evaluate current identity workflows and identify security gaps.
2. DID & VC Integration: Implement decentralized identifiers and verifiable credentials into your system.
3. Wallet Deployment: Provide users with secure identity wallets for credential management.
4. Verification & Compliance: Ensure credentials meet regulatory and global standards.
5. User Education & Onboarding: Train users for smooth adoption and engagement.
6. Ongoing Support: Continuous updates, monitoring, and system optimization.

Enterprise Digital Identity services cover the entire lifecycle, making adoption smooth and scalable.

🌍 Global Impact and Use Cases

Decentralized Identity is not limited to tech-savvy users or organizations:

• Education: Universities issue globally verifiable diplomas.
• Healthcare: Secure patient data sharing across providers.
• Finance: Banks and DeFi platforms streamline KYC while reducing fraud.
• Government: National ID verification becomes faster and secure.
• Web3 Platforms: Ensure secure, verified onboarding for blockchain users.

References for further credibility:

• W3C DID Core
• Verifiable Credentials Data Model

💡 Benefits of Decentralized Identity

• Transparency: Every credential verification is immutable and auditable.
• Security: Blockchain-backed verification prevents tampering and fraud.
• User Privacy: Individuals control what information is shared.
• Efficiency: Verification is faster and more reliable across borders.
• Global Accessibility: Anyone with a digital wallet can participate in digital ecosystems.
• Regulatory Compliance: Aligns with GDPR, HIPAA, and other global standards.

Duredev Enterprise Solutions provide scalable, secure, and privacy-focused systems that meet modern business needs.

🔮 The Future of Digital Identity

The future of identity is user-owned, privacy-first, and globally interoperable. Enterprises, governments, and Web3 platforms are increasingly adopting DIDs and VCs for secure, passwordless, and fraud-resistant identity systems.

Emerging trends include:

• Cross-border verification using blockchain-based credentials.
• Integration of AI-driven fraud detection with decentralized identity.
• Expansion of digital identity for IoT and metaverse platforms.

Duredev is at the forefront of this digital identity revolution, helping organizations design, implement, and scale secure and privacy-first identity systems worldwide.

🏁 Final Thoughts: Secure, User-Centric Digital Identity

Decentralized Identity (DID) is redefining digital trust. By combining self-sovereign identity, verifiable credentials, and passwordless authentication, organizations can simplify verification, reduce fraud, and build confidence among users.

At Duredev, we provide end-to-end, privacy-first identity solutions for enterprises, governments, and Web3 platforms. Building on expertise from Digital Signatures on Blockchain: Legality, Compliance & Zero-Fraud Verification, Duredev ensures your digital identity infrastructure is secure, reliable, and scalable.

From enterprise-level DID integration to global credential verification, partnering with Duredev helps organizations build the future of digital trust. Start your journey toward secure, user-controlled, and globally interoperable digital identity today with Duredev.

🔗 Important Links

• Ready to Level Up?
• Digital Signatures on Blockchain: Legality, Compliance & Zero-Fraud Verification

What Is Decentralized Identity (DID)? A Beginner-Friendly Guide for Every Industry was originally published in Coinmonks on Medium, where people are continuing the conversation by highlighting and responding to this story.

Remember when we were kids, adults warned you not to leave your bike unlocked on the street? Well, fast-forward to 2025, and it’s the same idea but with the internet and all this crypto stuff. “OpSec” is just a fancy way of saying “operational security” — basically, how you keep your info and yourself safe from bad guys.

This year was full of epic screw-ups in that department, from hidden online markets getting busted to rich crypto folks getting kidnapped in real life. I’ll break it down simple, like we’re chatting over coffee, and throw in some real stories from the news. Plus, at the end, a quick checklist so you can check your own setup — no tech wizardry required.

Darknet Busts: When Hidden Markets Aren’t So Hidden

It was the biggest darknet takedown ever, hitting sites where folks were peddling counterfeit pills and worse. Okay, first off, the “darknet” is like the sketchy back alley of the internet where people sell illegal stuff anonymously, using special browsers to hide. But in 2025, law enforcement worldwide teamed up and shut down a ton of these operations. The big one was in May — cops from the FBI, Europol, and others arrested 270 people in a global sweep. They grabbed millions in drugs, guns, and even crypto worth over $200 million.

What went wrong with OpSec? A lot of these sellers got sloppy. One classic fail was from earlier in the year: a ransomware gang called BlackLock got hacked themselves because they left their servers exposed — like forgetting to lock your front door. Their real IP addresses (that’s like your home address online) got leaked, along with passwords and chats. Another dumb move was in June when a huge drug market called Archetyp got dismantled. The admins probably reused old passwords or didn’t cover their tracks well enough, letting investigators trace them back to real-world locations.

And get this — in August, another crackdown nabbed more networks selling illicit drugs, all because some vendors shipped packages with traceable info, like a suspicious box that showed up at a business in Santa Clara and led to nationwide arrests. Lesson here? Even if you’re trying to hide, one little slip — like posting a photo without blurring the background (remember that Pakistani military pic in May where they accidentally showed secret maps?) — and boom, you’re done.

Whale Kidnappings: When Digital Riches Lead to Real-World Nightmares

Now, onto the crypto side. “Whales” are people with a ton of cryptocurrency, like Bitcoin, worth millions. In 2025, physical attacks on these folks exploded — up 169% from last year, with at least 48 reported cases by September. These aren’t just hacks; we’re talking kidnappings, robberies, and “wrench attacks” where thugs use violence (like threatening with a wrench) to force you to hand over your wallet passwords.

One scary story: In September, two brothers in Minnesota got charged for an $8 million armed kidnapping. They targeted a crypto holder, broke in, and made him transfer his coins at gunpoint. France saw its 10th attack of the year in June — a 23-year-old near Paris got jumped, and his girlfriend was forced to give up a hardware wallet key plus cash. Even in NYC, an Italian tourist was kidnapped in May and tortured for his Bitcoin.

And just recently, a San Francisco homeowner lost $11 million after a fake delivery guy pulled a gun — one of over 60 similar hits this year.

OpSec fails? These victims often bragged about their wealth on social media or at events, making themselves targets. Criminals use online info to track addresses and routines. It’s like posting “Hey, I just won the lottery!” on Facebook — not smart.

The Pig Butchering Scam: Fattening Up Victims for the Slaughter

This one’s sneaky and heartbreaking. “Pig butchering” is a scam where fraudsters build trust over weeks or months — often starting with a random text or dating app match — pretending to be a friend or romantic interest. They “fatten” you up with small wins, like fake investment tips, then convince you to pour money into bogus crypto schemes. Once you’re in deep, they drain your accounts and ghost you.2025 was brutal for this. The FBI warned about it big time, noting billions stolen globally.

The worst case? In October, the U.S. indicted a Cambodian tycoon named Chen Zhi for running massive “forced labor” compounds where trafficked people were made to run these scams. They seized a record $15 billion in Bitcoin — the biggest crypto grab ever. Victims lost everything thinking they were investing with a “soulmate” named Lucy or Rose. Raids in Myanmar even found Starlink terminals used to keep the operations online.

OpSec angle? Scammers got caught because they left digital trails, like wallet addresses that investigators traced. But for victims, the fail is trusting strangers online without double-checking.

Lessons Learned: Don’t Be the Next Headline

The common thread in all these? People thinking they’re smarter than the system. Darknet dudes forgot to anonymize everything. Crypto whales flaunted their gains. Scam victims shared too much personal info. In a world where everything’s connected, one weak link — a reused password, a geotagged photo, or a hasty “investment” — can ruin you.

The good news? Most of this is avoidable. Governments are cracking down harder, but you gotta protect yourself first. The best way to learn about OpSec is to learn how people fail. Here you can check a big collection of links on bad OpSec by jermanuts.

Your Quick Self-Audit Checklist

Run through this like checking your smoke detectors — it’ll take 10 minutes and could save you a headache:

• Passwords: Are they unique for every site? Use a password manager (like a digital safe) and make ’em long and random. Change any you’ve reused.
• Social Media Scrub: Go through your posts — delete anything showing your location, routine, or wealth. Turn off location tags on photos.
• Two-Factor Auth: Turn this on everywhere (it’s like a second lock on your door). Use an app, not texts, ’cause texts can be hacked.
• Stranger Danger Online: Got a random message promising love or riches? Google their story or reverse-image search their pic. Never send money or crypto to someone you haven’t met in person.
• Crypto Wallet Check: If you have any digital coins, store ’em in a hardware wallet (like a USB safe) offline. Don’t brag about holdings, and consider splitting them up so one attack doesn’t take everything.
• VPN and Updates: Use a VPN (hides your online address) on public Wi-Fi. Keep your phone and computer updated — patches fix security holes.
• Physical Safety: If you’re into crypto or valuables, don’t wear flashy stuff. Vary your routine, and maybe get a home security cam.

If something feels off, trust your gut. Stay safe out there — the world’s getting weirder, but a little caution goes a long way.

If you want to support my work, please, consider donating me:

• 0x1191b7d163bde5f51d4d2c1ac969d514fb4f4c62 or officercia.eth — all supported EVM chains;
• 17Ydx9m7vrhnx4XjZPuGPMqrhw3sDviNTU or bc1q75zgp5jurtm96nltt9c9kzjnrt33uylr8uvdds — Bitcoin;
• BLyXANAw7ciS2Abd8SsN1Rc8J4QZZiJdBzkoyqEuvPAB — Solana;
• 0zk1qydq9pg9m5x9qpa7ecp3gjauczjcg52t9z0zk7hsegq8yzq5f35q3rv7j6fe3z53l7za0lc7yx9nr08pj83q0gjv4kkpkfzsdwx4gunl0pmr3q8dj82eudk5d5v — Railgun;
• TYWJoRenGB9JFD2QsdPSdrJtaT6CDoFQBN — TRX;
• 4AhpUrDtfVSWZMJcRMJkZoPwDSdVG6puYBE3ajQABQo6T533cVvx5vJRc5fX7sktJe67mXu1CcDmr7orn1CrGrqsT3ptfds — XMR;
• DQhux6WzyWb9MWWNTXKbHKAxBnAwDWa3iD — Doge;
• UQBIqIVSYt8jBS86ONHwTfXCLpeaAjgseT8t_hgOFg7u4umx — TON.

If you enjoy my content and want to help keep it ad-free, please consider supporting my work through donations. Your contributions will allow me to dedicate more time to crafting in-depth articles and sharing even more valuable insights.

Thank you!

The Worst OpSec Fails of 2025: Lessons from Darknet Busts and Whale Kidnappings was originally published in Coinmonks on Medium, where people are continuing the conversation by highlighting and responding to this story.

The on-demand transportation industry has fundamentally changed how the world moves. For entrepreneurs looking to enter this lucrative market, success relies on more than just having cars on the road; it requires a robust, feature-rich technology stack. Extensive market analysis confirms that user experience is the defining factor between a mediocre taxi app and a market leader.

Whether you aim to launch a localized taxi service or a global ride-hailing giant, understanding the core functionality of your software is critical. Below, we explore the essential features required to build a competitive platform.

What is an Uber Clone?

Before diving into the features, it is essential to define the tool that makes rapid market entry possible. An Uber clone is a ready-made, customizable software solution that replicates the core business model and functionality of Uber.

It serves as a foundation for entrepreneurs to launch their own taxi booking app or ride-sharing service without the time and expense of building software from scratch.

7 Features Your Taxi Booking App Needs

To compete in today’s market, a basic booking interface is no longer enough. Your Uber clone app must offer convenience, safety, and advanced communication. Here are the top seven features your solution must possess.

1. AI-Powered Voice Translation (Featured in Wooberly)

Communication barriers can significantly hinder the ride-sharing experience, especially in diverse cities or tourist hubs. Taking inspiration from major industry players, the modern Uber clone must bridge this gap.

A prime example of this innovation is found in Wooberly, RentALLScript’s flagship solution. Wooberly has integrated AI-powered voice translation, a feature that revolutionizes driver-rider interaction.

• How it works: Taking a page from Uber’s 100+ languages translation capability, this feature allows riders and drivers to record and send 30-second audio messages in their preferred language.
• Real-time Technology: Built with advanced speech-to-text and translation AI, the system automatically translates the audio message in real time for the recipient.
• The Benefit: This seamless translation breaks language barriers instantly, reducing misunderstandings regarding pickup locations or route preferences and significantly enhancing the in-app communication experience.

2. Real-Time GPS Tracking and Navigation

The backbone of any Lyft clone script or taxi app is accurate geolocation. Users expect to see available cars in their vicinity before booking and want to track their ride in real time once it is confirmed. For drivers, integrated mapping (via Google Maps or Mapbox) is essential for efficient navigation, ensuring the shortest routes and accurate estimated times of arrival (ETA).

3. Dynamic Pricing (Surge Pricing)

To balance supply and demand, your taxi booking script should support dynamic pricing algorithms. When demand is high during rush hour, bad weather, or special events, the app should automatically adjust prices. This incentivizes more drivers to get on the road to meet the demand, ensuring riders can always find a car when they need one.

4. Multiple Payment Gateways

A versatile Uber clone must support a cashless economy. Integrating an in-app wallet and multiple payment options (Credit/Debit cards, PayPal, Stripe) offers convenience to users. Secure, seamless transaction processing helps build trust and encourages repeat usage.

5. Scheduled Rides

While on-demand booking is the core of the business, the ability to schedule rides in advance is a feature that caters to professionals and travelers. Allowing users to book a ride for a later date or time ensures they have transportation arranged for airport transfers or important meetings, adding a layer of reliability to your service.

6. Emergency Contacts and SOS Button

Safety is paramount in the ride-sharing industry. A robust Uber clone script must include an SOS button within the ride interface. This feature allows passengers to instantly share their ride details and live location with trusted contacts or alert emergency services directly from the app in case of a safety concern.

7. Driver and Rider Review System

Trust is a two-way street. A mutual rating and review system allows drivers to rate passengers and passengers to rate drivers after every trip. This feature helps maintain high service standards, allows the admin to remove bad actors from the platform, and fosters a respectful community.

Conclusion: How to Get Started

Building a taxi empire requires a blend of business acumen and superior technology. While the features listed above are standard requirements for success, developing them from the ground up is resource-intensive. This is where finding the right technology partner becomes crucial.

If you are wondering how to obtain a solution that includes advanced capabilities like AI voice translation and robust scalability, RentALLScript offers the answer. Our product, Wooberly, is designed to give entrepreneurs a competitive edge with a ready-to-launch, fully customizable Uber clone solution. By choosing RentALLScript, you gain access to a platform that not only meets industry standards but exceeds them, helping you launch your dream taxi business efficiently.

Top 7 Must-Have Features of an Uber Clone was originally published in Coinmonks on Medium, where people are continuing the conversation by highlighting and responding to this story.

Crypto markets spent the last 24 hours walking a tightrope. Prices edged higher, but confidence didn’t follow. Bitcoin and Ethereum tried to grind up, yet traders kept one finger on the sell button as fear quietly took control. With the Crypto Fear & Greed Index plunging to 24, this wasn’t blind panic — it was calculated caution. And historically, that’s when the most interesting moves tend to begin.

Crypto Market in the Last 24 Hours

Over the past 24 hours, crypto is trading in a classic “ risk-on but cautious” mode: BTC and majors are attempting to grind higher while macro and a firmer dollar cap the upside. Overall sentiment leans constructive for Q1 2026, but traders are quick to lock profits on spikes, keeping intraday volatility elevated.​

The Crypto Fear and Greed Index has dropped to 24, signaling extreme fear in the market.

Bitcoin & Ethereum Price Action

Bitcoin remains in a wide December range defined by an AI‑projected fair value zone around 90,000 USD, with a short‑term expected band of roughly 87,500–93,000 USD driven by oversold recovery dynamics and ETF inflows. Technically, this puts the focus on whether BTC can reclaim and hold above the projected resistance region near 91,000–93,000 USD after any retest of the 83,000–85,000 USD support cluster cited by discretionary analysts.​

Ethereum trades as a high‑beta follower to BTC, with spot and derivatives flows still heavily influenced by expectations around ongoing ETF and institutional adoption plus the impact of prior upgrades on fees and throughput. Short term, ETH continues to behave as a leveraged play on BTC direction and broader risk sentiment, so any decisive BTC break above key resistance or failure at support is likely to amplify in ETH moves.​

Bitcoin On‑Chain Metrics (Last 24h)

On‑chain, Bitcoin’s network looks healthy rather than euphoric, which typically favors sustained trends over “blow‑off” tops.

BTC 24h Chart, VWAP, Support & Resistance

The BTCUSD position closed at a loss because volatility moved beyond our protective orders. Now the focus shifts to identifying fresh, high‑probability entry levels for the next setup.

Ethereum On‑Chain Metrics (Last 24h)

Ethereum’s on‑chain picture shows a still‑productive network with relatively investor‑friendly fee levels.

The situation in the ETHUSD pair is broadly the same.

DXY Performance & Its Crypto Impact

The Dollar Index is trading near the high‑90s to low‑100s area, with intraday moves in the last 24 hours roughly flat to modestly positive at around +0.05–0.06%. This comes after a broader monthly weakening and a sizable 12‑month slide of several percent, signaling that despite short‑term bounces, the structural dollar trend has been soft, generally supportive for risk assets like BTC and ETH.​

The main drivers are shifting expectations for future Federal Reserve policy, softer medium‑term US dollar strength, and investors rotating into higher‑beta assets as inflation and rate‑cut narratives evolve. For crypto, a drifting‑lower or range‑bound DXY typically removes a major headwind, allowing technical and fund‑flow factors to play a bigger role in price discovery.​

Top Altcoin Movers & Volume

Exact intraday leaders change constantly, but the pattern in the last sessions has been clear: high‑beta majors and strong narratives attract the bulk of fresh volume.

BTC & ETH Outlook: What’s Next?

AI‑driven short‑term models still “anchor” BTC around 90,000 USD for December, with an expected range of 87,500–93,000 USD as the market digests prior extremes between roughly 80,000 and 126,000 USD. Discretionary analysts highlight 83,000–85,000 USD as a key support band and 91,000–93,000 USD as the critical resistance zone that must break cleanly to re‑open a run toward old highs.​

For ETH, most reputable projections argue that performance will be heavily path‑dependent on BTC and macro risk, but ETF flows and continued network usage keep a constructive bias for 2025–2026. If BTC respects support and DXY stays soft or sideways, a renewed ETH push toward and beyond prior cycle highs remains a realistic medium‑term scenario.​

High‑Growth Crypto Projects to Watch

For investors seeking asymmetric upside rather than only mega‑caps, two current standouts from institutional‑oriented lists are Solana and Sui. Solana combines speed, low fees, and deep liquidity, already demonstrating that serious capital is willing to treat it as “ Ethereum‑beta plus execution,” which makes pullbacks structurally interesting for long‑term positioning.​

Sui, built by former Meta engineers, is repeatedly highlighted for its speed, scalability, and developer‑friendly tooling, especially around gaming and NFTs; if crypto gaming goes mainstream in this cycle, Sui is well‑positioned to capture a significant share of that flow. Position sizing and risk management remain critical, but from a growth‑potential perspective both projects consistently appear on expert shortlists for 2025.​

Crypto Conclusion

Cryptomarket didn’t moon. Crypto didn’t crash. Instead, it did what it loves most — made traders nervous. Fear is high, volatility is alive, and smart money is clearly still watching. If history rhymes, today’s anxiety could quietly become tomorrow’s breakout. Just remember: in crypto, the market usually moves right after everyone gets comfortable being scared.

Source: Coincentral.com, Tradingview.com, Coinranking.com, Coingecko.com, Coinmarketcap.com

More about Crypto market .

Originally published at https://aipt.lt on December 15, 2025.

Crypto Panic Signal: Why BTC & ETH Matter Right Now was originally published in Coinmonks on Medium, where people are continuing the conversation by highlighting and responding to this story.

The digital economy is driven by data. Every click, transaction, search query, social interaction, and device connection generates vast amounts of information. With the rise of AI, IoT, cloud computing, and Web3 technologies, data has become one of the most valuable assets in the modern world. However, despite individuals and businesses generating this data, ownership and control largely remain in the hands of centralized platforms.

Major tech companies collect, store, analyze, and monetize user data at an unprecedented scale. Users often have little visibility into how their data is used, who accesses it, or how much revenue it generates. Data breaches, misuse of personal information, and opaque data policies have further eroded trust in centralized systems. In many cases, users unknowingly trade their privacy for access to digital services.

This growing imbalance has sparked a global demand for transparent, user-controlled, and trustless data systems. Governments are introducing stricter data protection laws, and users are becoming more conscious of data rights and privacy. Businesses, too, are seeking fairer and more efficient ways to access high-quality data without relying on monopolistic intermediaries.

This is where decentralized data marketplaces emerge as a powerful solution. By leveraging blockchain technology, smart contracts, and decentralized storage, these platforms enable individuals and organizations to truly own, control, and monetize their data. Decentralized data marketplaces represent a paradigm shift transforming data from a centralized commodity into a user-owned digital asset and redefining the future of data ownership.

What Is a Decentralized Data Marketplace?

A decentralized data marketplace is a blockchain-powered platform that enables peer-to-peer data exchange without relying on centralized intermediaries. It allows data owners to list, control, and monetize their data directly, while buyers can securely access verified datasets under transparent and predefined conditions.

Unlike traditional data marketplaces where data is controlled by a single authority decentralized data marketplaces distribute control across a network. Blockchain and distributed ledger technology ensure that transactions are transparent, tamper-proof, and auditable. Smart contracts automate access permissions, pricing, and payments, eliminating the need for manual oversight or trust in a central entity.

The peer-to-peer model enables direct interaction between data providers and data consumers. Data owners retain sovereignty over their information and decide who can access it, for how long, and at what price. This trustless environment ensures fairness, security, and transparency for all participants.

Several Web3 projects are already experimenting with decentralized data exchange for AI training, IoT data sharing, and research collaboration. While still evolving, these platforms highlight how decentralized data marketplaces can unlock new economic opportunities while restoring data ownership to its rightful creators.

Why Centralized Data Ownership Is Failing

Centralized data ownership has created powerful data monopolies. A small number of platforms dominate data collection and distribution, limiting competition and innovation. Users and businesses are often locked into ecosystems where they have little bargaining power or control over their own data.

One of the biggest issues is the lack of user consent and fair compensation. Individuals generate valuable data, yet rarely receive financial benefits from its monetization. Data is frequently collected through complex terms and conditions that users barely understand, leading to ethical and legal concerns.

Security is another major challenge. Centralized databases represent single points of failure. Large-scale data breaches expose millions of records, causing financial losses and reputational damage. These risks increase as data volumes grow.

Smaller businesses and startups also suffer. Access to high-quality datasets is often expensive and restricted, giving larger enterprises an unfair advantage. Additionally, regulatory frameworks such as GDPR and data localization laws are forcing organizations to rethink how data is collected, stored, and shared.

All these challenges point to the need for transparent, permission-based, and decentralized data sharing systems that prioritize ownership, security, and fairness.

How a Decentralized Data Marketplace Works

A decentralized data marketplace operates through a structured yet flexible workflow that ensures data ownership, security, and fair monetization.

The process begins with data creation and ownership registration. Data owners individuals or organizations register their datasets on the blockchain. This establishes immutable proof of ownership and provenance.

Next, data encryption and storage come into play. Due to size and cost constraints, most data is stored off-chain using decentralized storage networks such as IPFS or Filecoin. Only cryptographic hashes and metadata are stored on-chain to ensure integrity and traceability.

Smart contracts manage access control. These self-executing contracts define who can access the data, under what conditions, and for how long. Once a buyer meets the contract terms such as payment the smart contract automatically grants access.

Pricing and monetization models are flexible. Data owners can set fixed prices, subscriptions, usage-based fees, or auction-based pricing. This flexibility empowers creators to maximize the value of their data.

Secure transactions and settlement are handled through blockchain payments, ensuring instant, transparent, and tamper-proof settlements. Tokenization often plays a key role, enabling seamless microtransactions.

Incentive mechanisms reward both data providers and buyers, encouraging high-quality data contributions and honest participation. This ecosystem fosters trust, efficiency, and scalability.

Key Components of a Decentralized Data Marketplace

A robust decentralized data marketplace is built on several essential components:

Blockchain infrastructure to record ownership, transactions, and access rights.

Smart contracts for automation, transparency, and trustless execution.

Decentralized storage solutions like IPFS, Filecoin, or Arweave to securely store large datasets.

Identity and access management systems to verify participants while preserving privacy.

Data privacy and encryption layers to protect sensitive information.

Governance mechanisms, often powered by DAOs, to enable community-driven decision-making.

Together, these components create a secure, scalable, and transparent data exchange ecosystem.

Benefits of Decentralized Data Ownership

Decentralized data ownership offers transformative benefits for individuals, businesses, and the global digital economy.

Individuals and organizations gain true ownership and control over their data. They decide how data is shared and monetized, ensuring autonomy and transparency.

Fair data monetization enables new revenue streams. Instead of platforms capturing all value, data creators are directly rewarded for their contributions.

Privacy and security are significantly enhanced through encryption, decentralized storage, and access controls. Transparency and auditability build trust among participants.

By removing intermediaries, decentralized marketplaces reduce costs and inefficiencies. They also provide global, permissionless access, enabling participation from anywhere in the world.

Use Cases of Decentralized Data Marketplaces

Decentralized data marketplaces unlock value across multiple industries:

AI & Machine Learning: Ethical sourcing of diverse, permissioned datasets for training models.

Healthcare: Patient-controlled medical data sharing for research and diagnostics.

Finance & DeFi: Alternative data for credit scoring and risk assessment.

Marketing & Advertising: Consent-based consumer data with transparent compensation.

IoT & Smart Cities: Secure exchange of real-time sensor data.

Research & Academia: Open, incentivized collaboration and data sharing.

These use cases demonstrate the broad potential of decentralized data ecosystems.

Role of Tokens and Incentives in Data Marketplaces

Tokens are the economic backbone of decentralized data marketplaces. Utility tokens facilitate transactions, access, and payments within the ecosystem.

Reward mechanisms incentivize data contributors to provide high-quality datasets. Staking and reputation systems discourage malicious behavior and promote trust.

Token-based governance enables community-driven decision-making, allowing stakeholders to shape platform evolution. Together, these incentives ensure economic sustainability and long-term growth.

Challenges in Building a Decentralized Data Marketplace

Despite their promise, decentralized data marketplaces face challenges. Data quality and standardization remain critical concerns. Scalability and performance must be addressed to handle large volumes.

Balancing privacy with accessibility is complex, especially for sensitive data. Regulatory compliance adds another layer of complexity, varying across jurisdictions.

User adoption and education are essential, as Web3 technologies can be intimidating for non-technical users. Interoperability across blockchains is also an ongoing challenge.

Decentralized Data Marketplace vs Centralized Platforms

Decentralized platforms offer superior ownership control, security, and transparency compared to centralized systems. Revenue distribution is fairer, trust is enhanced, and long-term sustainability is improved through community governance and reduced dependency on intermediaries.

Future Trends Shaping Decentralized Data Marketplaces

The future will see deeper integration with AI and Web3 ecosystems. Self-sovereign identity solutions will enhance privacy and compliance. DAO-driven governance, cross-chain interoperability, and enterprise adoption will accelerate growth, supported by regulatory alignment tools.

How Businesses Can Leverage Decentralized Data Marketplaces

Businesses can unlock new revenue streams by monetizing proprietary data. Ethical data sourcing improves AI outcomes while building trust. Lower acquisition costs, transparency, and competitive advantage make decentralized data marketplaces a strategic asset in the Web3 economy.

Conclusion: The Future of Data Ownership Is Decentralized

Decentralized data marketplaces redefine how data is owned, shared, and monetized. By empowering users, enhancing security, and fostering transparency, they lay the foundation for a fairer digital economy. As adoption grows, decentralized data ownership will become the standard, shaping the future of global data exchange.

Decentralized Data Marketplace: The Future of Data Ownership was originally published in Coinmonks on Medium, where people are continuing the conversation by highlighting and responding to this story.

Trading on crypto exchanges can be exciting.
However, the trading fees you pay for each transaction can quietly eat away at your profits over time.

But what if you could recover those fees — automatically?

That’s exactly what ReferenceFee makes possible!

What is ReferenceFee?

ReferenceFee is a platform that helps you automatically recover the trading fees you pay on major crypto exchanges.

The process is fast, secure, and fully automated — so you can focus on trading while ReferenceFee works in the background.

How Does ReferenceFee Work?

1. Sign Up
   Start by registering on the ReferenceFee website.
2. Select Your Exchange
   Choose the exchange you are using.
   (Bybit, Bitget, OKX, Weex, MEXC and many other global platforms are supported.)
3. Register via Provided Link
   Use the special link provided on the site to create your exchange account.
4. Enter Your UID
   After creating your account, enter your exchange UID (User ID) into the corresponding field on ReferenceFee.
5. Trade and Earn Back Your Fees
   From now on, every time you make a trade, the fees you pay will be automatically refunded to your spot wallet in USDT at midnight every day.

Why Use ReferenceFee?

• ✅ Fully Automated
  Simply trade as usual — ReferenceFee takes care of your fee refunds behind the scenes.
• ✅ Direct Deposits to Your Spot Wallet
  Your recovered fees are automatically transferred to your spot wallet as USDT every midnight.
• ✅ Global Exchange Support
  Works seamlessly with major exchanges like Binance, OKX, and KuCoin.
• ✅ Quick and Easy Setup
  It only takes a few minutes to register and start earning your fee refunds.
• ✅ Transparent and Secure
  Only your UID is required — no need to share API keys or account passwords.

Small Trades, Big Savings

Even small fees add up over time.

If you’re making dozens of trades each day, the cumulative savings can be worth hundreds of USDT per month.

ReferenceFee helps you reclaim those lost fees effortlessly — putting more profit back into your hands.

Get Started Today!

Don’t let trading fees quietly drain your profits.
Sign up for ReferenceFee and start recovering your fees automatically — every night!

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ReferenceFee — The Smart Way to Recover Your Crypto Trading Fees

How to Find Your UID

Your UID is the unique user identification number associated with your exchange account.
It allows ReferenceFee to track and refund your fees accurately and securely.

Here’s how to find it on different platforms:

How to Find UID on MEXC

1. Open the MEXC app or website.
2. Click on your profile icon in the top right corner.
3. Your UID will be displayed right below your profile name.

How to Find UID on Bybit

1. Log in to your Bybit account.
2. Click on your profile icon at the top right.
3. Your UID will appear in the user menu.

How to Find UID on Bitget

1. Sign in to your Bitget account.
2. Click on your profile icon.
3. You can find your UID in the “Account Security” section or directly under your profile summary.

How to Link Your UID to ReferenceFee

1. Log into your ReferenceFee account.
2. Choose your exchange from the list.
3. Enter your UID into the corresponding field and save it.

That’s it!
From now on, every trade you make will earn you automatic USDT fee refunds directly to your spot wallet — daily.

UID is simply your user identification number.
You do not need to share any API keys or passwords.
This makes using ReferenceFee completely safe and risk-free.

Recover Your Crypto Trading Fees Automatically with ReferenceFee was originally published in Coinmonks on Medium, where people are continuing the conversation by highlighting and responding to this story.