Group 1: Industry Overview - Stablecoins are evolving from niche instruments to a core settlement layer, with transaction volumes exceeding $4 trillion in the first seven months of 2025, marking an 83% year-on-year increase [1] - Regulatory bodies are adapting, as evidenced by the SEC's approval of multiple spot Bitcoin ETFs and major custodians like BNY Mellon, State Street, and DBS expanding their digital-asset operations [1] Group 2: Company Developments - B2BINPAY has launched an expanded White Label Solution aimed at banks, EMIs, and payment providers, allowing them to quickly implement crypto payment systems without extensive development [3][4] - The White Label Solution enables institutions to launch branded crypto payment and wallet functionalities based on B2BINPAY's existing infrastructure, which supports over 980 merchants and processes more than $5.1 billion in transactions [4][6] - This solution allows institutions to maintain client relationships and revenue while outsourcing operational complexities to B2BINPAY [5] Group 3: Market Infrastructure - The maturity of market infrastructure for digital-asset payments is evident, as banks and payment institutions face increasing client demand but are often unprepared to develop these systems internally [2] - B2BINPAY's platform supports over 350 digital assets across 10 blockchains, adhering to KYC and KYT principles [6]

Russian financial chief warns crypto can never replace the ruble. Source: Sefa Karacan/Anadolu Agency via Getty Images. Key Takeaways The head of Russian Financial Markets has said that crypto can never replace the ruble. The comments came amid Russia’s growing use of cryptocurrencies for international trade. Putin has played a key role in advancing pro-crypto policies in the country despite the central bank’s opposition. Russia has a new emerging crypto critic in the form of Anatoly Aksakov, chairm ...

2 小微企业在申请创业担保贷款前1年内新招用符合创业担保贷款申请条件的人数达到企业现有在职职工 人数10%（超过100人的企业达到5%），并与其签订1年以上劳动合同； 创业担保贷款 是指以符合规定条件的创业者个人或小微企业为借款人，由创业担保贷款基金或政府性融资担保机构提 供担保，由经办银行发放，由财政部门给予贴息，用于支持个人创业或小微企业吸纳就业的贷款业务。 小微企业申请创业担保贷款 需要满足哪些条件？ 小微企业申请创业担保贷款 需要满足三方面条件： 1 属于现行中小企业划型标准规定的小型、微型企业； 给予贷款实际利率50%的财政贴息 对还款积极、带动就业能力强、创业项目好的小微企业，创业担保贷款到期后可继续申请贷款及贴息支 持，累计次数不超过3次。 如何申领？ 3 无拖欠职工工资、欠缴社会保险费等违法违规信用记录。 小微企业能贷多少 创业担保贷款？ 经办金融机构根据企业实际招用人数 合理确定创业担保贷款额度 最高不超过400万元 贷款期限不超过2年 财政部门 申请创业担保贷款贴息支持的个人或小微企业，应向当地人力资源社会保障部门申请资格审核。 通过资格审核的个人或小微企业，应当向当地创业担保贷款担保基金 ...

Group 1: Market Overview - The Asia-Pacific stock markets generally declined, and US stock futures fell slightly due to escalating geopolitical tensions, leading to increased demand for safe-haven assets like gold and silver, with silver hitting a new high and gold approaching its historical peak from October [1][3] - International oil prices rebounded significantly, with WTI and Brent crude oil both rising over 1%, driven by Trump's order to impose a comprehensive blockade on sanctioned oil tankers entering and leaving Venezuela, raising concerns about tighter supply [1][9] - The US dollar index continued its upward trend, increasing by over 0.2% during the day, while US Treasury yields rose slightly, indicating a shift in market focus towards upcoming inflation data for clearer policy direction [1][11] Group 2: Precious Metals Performance - Precious metals experienced a notable surge, with gold prices rising to over $4,330 per ounce, just shy of the October record high of $4,381, and silver surpassing $66 per ounce, marking a historical peak [3][6] - Platinum also saw its fifth consecutive day of gains, reaching its highest level since 2011, reflecting a broader trend of capital flowing into hard assets amid rising geopolitical risks [1][6] Group 3: Employment Data Impact - The latest US employment data showed a modest increase of 64,000 jobs in November, with the unemployment rate rising to 4.6%, the highest since 2021, but the data was not seen as severe enough to trigger immediate rate cuts by the Federal Reserve [10][11] - Market expectations for a rate cut in January are currently around 20%, as the Federal Reserve may view the employment report with a balanced perspective rather than a negative one [10][11]

Core Viewpoint - Sagicor Group Jamaica Ltd is merging with Sagicor Life Inc to form a new holding company, Sagicor Group Caribbean, creating a combined entity valued at US$6.9 billion, consolidating insurance, banking, and investment services across the Caribbean [1][3]. Group 1: Merger Details - The merger will result in a combined entity controlling over US$6.9 billion in assets and generating US$1.3 billion in annual revenues [3]. - Sagicor Financial's ownership stake will increase from 49% to approximately 55% following the issuance of new shares, pending regulatory and shareholder approval [3]. Group 2: Strategic Implications - The merger aims to strengthen competitiveness, reduce complexity, and create a focused platform for digital transformation by pooling expertise, talent, and technology investments [2][6]. - Executives described the transaction as "accretion neutral" for shareholders, with potential benefits from cost savings and revenue synergies [4]. Group 3: Leadership and Vision - Dodridge Miller, former CEO of Sagicor Financial, will chair the new holding company, with Christopher Zacca as CEO and Robert Trestrail remaining CEO of Sagicor Life [5]. - The merger is seen as a pivotal moment in Sagicor Group Jamaica's evolution, enhancing its resilience against climate, economic, and geopolitical shocks [5][6].

Digital banking firm PT Super Bank Indonesia surged 24%, hitting the daily trading limit, on its Jakarta debut following an initial public offering that ranks as Indonesia’s second largest this year https://t.co/lGMCxYmscd ...

Group 1: Market Insights - The Nasdaq composite experienced a minor gain, but a decline in other equity indexes suggests caution is needed in market analysis [6] - Many AI stocks have retreated from record highs, raising concerns about a potential tech bubble as companies increase their debt levels [6][7] Group 2: Quantum Computing and Cryptocurrency - Quantum computing poses a significant threat to cryptocurrency security, with urgent efforts underway to prevent potential chaos in the Bitcoin market [5][11] - The industry is facing a "Crypto-geddon" scenario if quantum computing capabilities are misused [11] Group 3: Company Developments - OpenAI is preparing for increased competition in the AI sector, with plans for an IPO in 2026 and a strategic partnership with Disney against Google [9][11] - Reddit has gained attention due to a substantial $3.68 billion investment and a remarkable 400% growth in earnings [11] - Meta is under scrutiny as CEO Mark Zuckerberg attempts to regain favor with Wall Street [11] Group 4: Investment Opportunities - Vanguard has provided a surprising outlook for S&P 500 stocks, identifying European banks and two gold stocks as leaders in or near buy zones [8]

TIM: THE S&P 500 CLOSING IN ON A RECORD EARLIER THIS MONTH. BITCOIN STRUGGLED TO FIND FOOTING. MERRILL HOLDINGS KNOWS ALL TOO WELL, DOWN 36% THIS YEAR.WITH MORE WE HAD TO PARIS. GOOD TO HAVE YOU ON THE PROGRAM. THE DECLINE IN ASSET PRICE THIS YEAR, $126,000 WAS A MAJOR HIGH EARLIER THIS YEAR, A BIG MOMENT FOR THE CRYPTOCURRENCY.DOWN MORE THAN 30%, HOW MUCH LOWER DOES BITCOIN GO. FRED: BITCOIN AT THIS LEVEL IS FINDING SUPPORT AT THE HUNDRED 84,000 RANGE. JUST ABOUT WHERE THE BREAKEVEN POINT IS ON MOST ETF PU ...

Core Insights - The article discusses the expertise of Sensor Unlimited, who has a PhD in financial economics and specializes in the mortgage market, commercial market, and banking industry [2] - Sensor Unlimited contributes to the Envision Early Retirement investing group, which focuses on generating high income and growth through dynamic asset allocation [2] Group 1 - Sensor Unlimited has been covering the mortgage market, commercial market, and banking industry for the past decade [2] - The investing group Envision Early Retirement offers two model portfolios: one for short-term survival and another for aggressive long-term growth [2] - Features of the investing group include direct access via chat for discussions, monthly updates on holdings, tax discussions, and ticker critiques by request [2]

Core Viewpoint - The Bank of Japan (BOJ) is expected to announce a potential interest rate hike on December 19, which could negatively impact Bitcoin and other risk assets due to historical market reactions to BOJ tightening cycles [1][5][6]. Group 1: BOJ's Interest Rate Decision - The BOJ's upcoming interest rate decision has raised concerns in global markets, particularly regarding the impact on Bitcoin and risk-on assets [1]. - Governor Kazuo Ueda has indicated that further rate increases are possible, leading to speculation among analysts and traders [1][5]. - A December poll indicated that 90% of economists expect the BOJ to raise short-term interest rates from 0.50% to 0.75% [5]. Group 2: Impact of Rate Hikes on Markets - The BOJ's policy decisions have a significant global impact due to the carry trade, where investors borrow Yen at low rates to invest in higher-yielding assets [2]. - When the BOJ raises rates, it can lead to liquidity outflows from various asset classes, including equities, bonds, and digital assets like Bitcoin [2]. - A sequence of events can occur following a carry trade collapse, including rising bond yields, a stronger Yen, increased costs for Yen-based debts, and forced liquidations of risk assets [4]. Group 3: Historical Context and Predictions - Historical data shows that Bitcoin has reacted negatively to previous BOJ tightening cycles, with significant price drops following rate increases [5][6]. - Analysts have drawn parallels to past events, such as the December 2022 meeting when the BOJ's actions caused market disturbances [6]. - Predictions indicate that if the BOJ raises rates again, Bitcoin could experience further declines, similar to past instances where rate hikes led to substantial price drops [6].