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RWA (Real World Assets) refers to the tokenization of tangible assets—such as real estate, private credit, and government bonds—on the blockchain. By bringing traditional financial instruments on-chain, RWA protocols like Ondo and Centrifuge provide DeFi users with stable, real-yield opportunities. In 2026, the RWA sector is a multi-trillion-dollar bridge between TradFi and DeFi, enabling fractional ownership and global liquidity for previously illiquid assets. Follow this tag for insights into on-chain credit markets, regulatory compliance, and asset-backed security innovations.

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Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Analysts Say Layer Brett Will Be Crowned Top Meme Coin After 25,000% Forecast

Analysts Say Layer Brett Will Be Crowned Top Meme Coin After 25,000% Forecast

The post Analysts Say Layer Brett Will Be Crowned Top Meme Coin After 25,000% Forecast appeared on BitcoinEthereumNews.com. Crypto News The Layer Brett presale has ignited a wave of excitement across the crypto community, with analysts forecasting a staggering 25,000% upside for early adopters. As of August 2025, LBRETT is available for just $0.0047 per token, making it one of the most accessible entries for those seeking the next big crypto. Unlike legacy meme coins such as Shiba Inu and Pepe coin, Layer Brett is built directly on Ethereum Layer 2, delivering ultra-fast transactions and low gas fees. Early participants can stake their tokens and potentially earn over 12,580% APY, with some reports citing initial rates above 55,000%. The crypto presale is ongoing, and urgency is high. This could be the best meme coin launch of the year. Why Layer 2 gives Layer Brett the edge over Shiba Inu and Pepe coin Layer Brett stands out by combining the viral appeal of meme tokens with real blockchain utility. While Shiba Inu and Pepe coin have built massive communities, they remain limited by Ethereum Layer 1 congestion and high transaction costs. LBRETT leverages Ethereum Layer 2 technology, enabling near-instant settlements and dramatically reduced gas fees. In contrast, SHIB and PEPE are often criticized for slow network speeds or speculative hype with little underlying utility. By processing transactions off-chain yet remaining anchored to Ethereum’s security, Layer Brett achieves both scalability and decentralization. This positions Layer Brett as a next 100x altcoin contender and a legitimate rival to the best meme coins on the market. How LBRETT rewards early buyers: Staking, giveaways, and FOMO Early investors in LBRETT can stake their tokens directly through MetaMask or Trust Wallet, accessing some of the highest APYs available in the meme token sector. The current staking yield exceeds 12,580% for presale buyers, creating a massive incentive for early entry. There is also a $1…

Author: BitcoinEthereumNews

2025/08/22

DOJ to back off developer prosecutions, what does this mean?

DOJ to back off developer prosecutions, what does this mean?

DOJ Developer

Author: Crypto.news

2025/08/22

Forget Shiba Inu & Pepe: Analysts Say Layer Brett Will Be Crowned Top Meme Coin After 25,000% Forecast

Forget Shiba Inu & Pepe: Analysts Say Layer Brett Will Be Crowned Top Meme Coin After 25,000% Forecast

As of August 2025, LBRETT is available for just $0.0047 per token, making it one of the most accessible entries […] The post Forget Shiba Inu & Pepe: Analysts Say Layer Brett Will Be Crowned Top Meme Coin After 25,000% Forecast appeared first on Coindoo.

Author: Coindoo

2025/08/22

Jackson Hole Speech: Pivotal Anticipation Grips Forex Markets as US Dollar Gains

Jackson Hole Speech: Pivotal Anticipation Grips Forex Markets as US Dollar Gains

BitcoinWorld Jackson Hole Speech: Pivotal Anticipation Grips Forex Markets as US Dollar Gains For those navigating the volatile currents of the cryptocurrency market, understanding broader macroeconomic shifts is not just an advantage—it’s a necessity. The upcoming Jackson Hole Speech by Federal Reserve Chair Jerome Powell is one such event that often sends ripples far beyond traditional finance, potentially influencing everything from bond yields to Bitcoin’s trajectory. As the US Dollar strength continues to build ahead of this pivotal address, crypto investors are keenly watching for clues that could dictate the next market move. Jackson Hole Speech: Why Does This Annual Gathering Matter So Much? Every August, the quiet mountain retreat of Jackson Hole, Wyoming, transforms into a global economic hotspot. The Federal Reserve Bank of Kansas City hosts its annual Economic Policy Symposium here, attracting central bankers, finance ministers, academics, and financial market participants from around the world. While the setting is serene, the discussions are anything but. Historically, this symposium has served as a critical platform for central bank leaders, particularly the Federal Reserve Chair, to signal significant shifts in monetary policy or offer nuanced insights into the economic outlook. These pronouncements can have immediate and profound effects on global markets, including the Forex market. A Stage for Policy Shifts: From Ben Bernanke’s hint at quantitative easing in 2010 to Janet Yellen’s discussions on inflation, and Jerome Powell’s recent pronouncements, Jackson Hole has often been the launchpad for major policy discussions. Global Implications: What the Fed Chair says at Jackson Hole isn’t just about the US economy; it reverberates across international markets, influencing currency valuations, commodity prices, and investor sentiment worldwide. Forward Guidance: It provides invaluable forward guidance on the Fed’s thinking regarding inflation, employment, and interest rates, offering a glimpse into future policy decisions. Unpacking US Dollar Strength: What’s Driving the Greenback’s Ascent? In the days leading up to Powell’s Jackson Hole address, the US Dollar strength has been a prominent feature in currency markets. This upward trend isn’t accidental; it’s a confluence of several powerful macroeconomic factors: Safe-Haven Appeal: In times of global economic uncertainty or geopolitical tension, the US Dollar traditionally acts as a safe haven. Investors flock to US assets, particularly Treasury bonds, pushing up demand for the dollar. Interest Rate Differentials: The Federal Reserve’s aggressive interest rate hiking cycle over the past year has made dollar-denominated assets more attractive compared to those in other major economies where central banks might be perceived as less hawkish or further behind in their tightening cycles. Higher yields on US bonds and savings accounts draw capital, increasing dollar demand. Resilient US Economy: Despite fears of a recession, recent economic data from the United States has often surprised to the upside, showing resilience in employment and consumer spending. This relative strength compared to some other major economies, particularly in Europe and China, makes the US a more appealing investment destination. Market Positioning: Traders often position themselves ahead of major events. Anticipation of potentially hawkish remarks from Jerome Powell or a continuation of the “higher for longer” narrative for interest rates encourages dollar buying. The interplay of these factors creates a robust environment for the greenback, making it a critical asset to monitor for anyone involved in global finance, including the crypto space where dollar strength can sometimes weigh on risk assets. Jerome Powell’s Pivotal Role: What to Expect from the Fed Chair? All eyes and ears will be on Jerome Powell as he takes the podium at Jackson Hole. His words carry immense weight, capable of shifting market sentiment in an instant. The primary focus will be on any signals regarding the future trajectory of interest rates and the Fed’s overall stance on inflation. Investors will be scrutinizing his speech for: Inflation Outlook: Will he reiterate the Fed’s commitment to bringing inflation down to its 2% target, even if it means further economic tightening? Or will he acknowledge recent disinflationary trends and suggest a more cautious approach? Future Rate Hikes: The market is divided on whether the Fed will implement another rate hike this year. Powell’s speech could provide clues, either reinforcing the possibility of further tightening or hinting at a prolonged pause. Economic Growth Projections: How does the Fed view the current state of the US economy? Will he acknowledge the resilience or express concerns about potential headwinds? “Higher for Longer” Narrative: This phrase has dominated discussions recently. Will Powell double down on the idea that rates will need to stay elevated for an extended period, even if further hikes are off the table? This has significant implications for borrowing costs and investment decisions. The tone of his speech—whether decidedly hawkish, cautiously optimistic, or dovish—will be paramount. A hawkish stance could further bolster the US Dollar strength and potentially weigh on risk assets like cryptocurrencies, while a more dovish tone could provide some relief. Federal Reserve Policy: Navigating the Future of Interest Rates The direction of Federal Reserve policy is arguably the single most influential factor for global financial markets. Since early 2022, the Fed has embarked on an aggressive campaign to tame inflation through rapid interest rate increases. The upcoming Jackson Hole speech is expected to offer crucial insights into the next phase of this policy. Consider the potential scenarios for future Fed policy: Policy Stance Potential Implications Hawkish (More Hikes/Strong “Higher for Longer”) Further boost to US Dollar, potential pressure on equities and crypto, increased borrowing costs, risk of economic slowdown. Neutral (Extended Pause/Data-Dependent) Dollar might consolidate, markets may find some stability, focus shifts heavily to incoming economic data. Dovish (Hints at Future Cuts/Softer Tone) Dollar likely to weaken, potential rally in risk assets (equities, crypto), reduced borrowing costs, increased liquidity. The Fed’s dual mandate of maximum employment and price stability means that every policy decision is a delicate balancing act. Powell’s challenge will be to communicate the Fed’s path forward without causing undue market volatility, while still ensuring inflation remains on a downward trend. The implications for the Forex market, bond yields, and ultimately, the broader investment landscape, are immense. Forex Market Dynamics: How Will Currencies React? The Forex market, the world’s largest and most liquid financial market, is already pricing in a certain degree of anticipation for Powell’s speech. As the US Dollar strength has been a key theme, other major currencies have felt the pressure. Here’s how different currency pairs might react: USD/JPY: A hawkish Powell could see the dollar strengthen further against the Japanese Yen, especially given the Bank of Japan’s continued ultra-loose monetary policy. EUR/USD: The Euro has been struggling against the dollar. A strong dollar narrative from Powell would likely push EUR/USD lower, while a more dovish tone could offer the Euro some breathing room. GBP/USD: Similar to the Euro, the British Pound could face renewed selling pressure if the dollar strengthens, though the Bank of England’s own inflation battle adds complexity. Emerging Market Currencies: A strong dollar typically spells trouble for emerging market currencies. It makes dollar-denominated debt more expensive to service and can lead to capital outflows. Traders will be particularly attentive to interest rate differentials and carry trade opportunities. If the US maintains significantly higher rates than other major economies, it incentivizes investors to borrow in low-yield currencies and invest in higher-yield dollar assets, further supporting the dollar. This dynamic, driven by Federal Reserve policy, is a powerful force in the currency world. Actionable Insights for Investors: Navigating the Jackson Hole Aftermath As the Jackson Hole symposium approaches, what can investors, particularly those in the crypto space, do to prepare? Stay Informed: Closely follow live coverage and analyses of Powell’s speech. The initial reaction can be volatile, but the underlying message is key. Watch the Dollar Index (DXY): The DXY measures the dollar’s value against a basket of six major currencies. A rising DXY often signals broader dollar strength, which can be a headwind for risk assets. Assess Risk Appetite: A hawkish Fed generally dampens risk appetite, leading investors to pull back from more speculative assets like cryptocurrencies. Conversely, a dovish pivot could reignite interest. Diversification and Hedging: Consider how your portfolio is positioned. For crypto investors, understanding the dollar’s trajectory is crucial for managing exposure to highly correlated assets. Long-Term Perspective: While short-term volatility is likely, focus on the long-term implications of Fed policy for inflation, economic growth, and the overall investment environment. The decisions and rhetoric coming out of Jackson Hole will not only shape the immediate future of the Forex market but will also influence the broader economic landscape, creating both challenges and opportunities for discerning investors. Conclusion: The Unfolding Narrative of Global Finance The impending Jackson Hole Speech by Jerome Powell is more than just an annual event; it’s a critical juncture for global financial markets. As the US Dollar strength continues to be a dominant force, driven by expectations surrounding Federal Reserve policy, the world watches with bated breath. The insights shared will undoubtedly steer the direction of the Forex market and ripple through every corner of the investment world, including the ever-evolving cryptocurrency ecosystem. Understanding these macro currents is essential for making informed decisions in an increasingly interconnected global economy. To learn more about the latest Forex market trends, explore our article on key developments shaping the US Dollar and interest rates liquidity. This post Jackson Hole Speech: Pivotal Anticipation Grips Forex Markets as US Dollar Gains first appeared on BitcoinWorld and is written by Editorial Team

Author: Coinstats

2025/08/22

SWIFT tests XRP and HBAR for faster cross-border payments

SWIFT tests XRP and HBAR for faster cross-border payments

The post SWIFT tests XRP and HBAR for faster cross-border payments appeared on BitcoinEthereumNews.com. The Society for Worldwide Interbank Financial Telecommunication (SWIFT) tests XRP and HBAR to boost its cross-border payment infrastructure. Summary SWIFT tests XRP and HBAR for faster cross-border payments due to their alignment with the ISO 20022 standard. The move follows Brad Garlinghouse’s projection that XRP could capture 14% of SWIFT’s liquidity within 5 years. SWIFT is reportedly experimenting with the integration of Ripple (XRP) and Hedera (HBAR) as part of efforts to improve its cross-border payment infrastructure. Both XRP and HBAR are being considered due to their compatibility with ISO 20022 financial messaging standards. 🚨 JUST IN: SWIFT is testing XRP and HBAR for blockchain-based cross-border payments to boost efficiency and interoperability. The future of global payments is being built right now🔥 pic.twitter.com/glXUHbkVSH — Real World Asset Watchlist (@RWAwatchlist_) August 21, 2025 SWIFT’s pilot tests are said to focus on two specific technologies: Ripple’s On-Demand Liquidity (ODL), which uses XRP as a bridge currency to facilitate faster transfers, and Hedera’s hashgraph consensus mechanism, known for its high throughput and energy efficiency. For context, traditional SWIFT transfers can take 1-5 business days and cost $10-$50 per transaction, whereas XRP transactions typically settle in 3-5 seconds at a cost of roughly $0.0002. Hedera, meanwhile, can process up to 10,000 transactions per second. The development comes after Ripple CEO Brad Garlinghouse projected at the XRP Ledger Apex 2025 event in Singapore that the XRP Ledger could capture 14% of SWIFT’s global liquidity within 5 years, stating: “SWIFT today has two components—messaging and liquidity. Liquidity is owned by banks. I think less about the messaging and more about liquidity. If you’re driving all the liquidity, it’s good for XRP. So, in five years, I’d say 14%.” The reports coincide with another major development for Ripple. The company announced today that it will begin distributing…

Author: BitcoinEthereumNews

2025/08/22

Allianz ziet Bitcoin en crypto als hoeksteen van toekomstig financieel systeem

Allianz ziet Bitcoin en crypto als hoeksteen van toekomstig financieel systeem

Connect met Like-minded Crypto Enthusiasts! Connect op Discord! Check onze Discord Financieel dienstverlener Allianz verwacht dat Bitcoin en andere digitale valuta een blijvende en structurele rol gaan spelen in de wereldwijde financiële sector. Dat blijkt uit een nieuw investeringsrapport van de Duitse verzekerings- en vermogensbeheerder. Volgens Allianz zorgen toenemende regulering, betere infrastructuur en de groeiende betrokkenheid van grote instellingen voor een fundamentele verandering in het financiële landschap. Bitcoin niet langer speculatie instrument In het rapport stelt Allianz dat Bitcoin en andere crypto niet langer uitsluitend worden gezien als speculatief instrument. Steeds meer institutionele partijen, van universiteiten tot multinationals en grote banken, nemen posities in digitale activa op in hun beleggingsportefeuilles. “Met de komst van gereguleerde beleggingsfondsen, professionele bewaaroplossingen en bankdiensten is de basis gelegd voor een bredere integratie,” schrijft Allianz. Het concern benadrukt dat de adoptie van crypto zich in hoog tempo uitbreidt. Individuen, bedrijven, stichtingen en zelfs beleidsmakers zien steeds vaker voordelen in het gebruik en bezit van digitale valuta. Allianz concludeert dat, mits er geen grote technologische tegenslagen plaatsvinden, Bitcoin en andere crypto niet meer zullen verdwijnen. Geschiedenis en opkomst van Bitcoin Bitcoin werd in 2009 geïntroduceerd door de anonieme ontwikkelaar of groep onder de naam Satoshi Nakamoto. Aanvankelijk werd de digitale munt vooral gebruikt door een kleine groep technologische pioniers en idealisten die geloofden in een alternatief financieel systeem. In de beginjaren was de waarde verwaarloosbaar. Pas rond 2013 kreeg Bitcoin voor het eerst bredere aandacht, toen de Bitcoin koers voor het eerst boven de 1.000 dollar uitkwam. De echte doorbraak kwam tijdens de bullmarkt van 2017, toen Bitcoin boven de 20.000 dollar steeg. Dat zorgde voor wereldwijde belangstelling van media, beleggers en toezichthouders. Inmiddels zijn er grote beursgenoteerde bedrijven die miljarden hebben geïnvesteerd in Bitcoin. Ook centrale banken en overheden volgen de markt nauwlettend, al blijft de regulering wereldwijd verschillend. Vandaag de dag is Bitcoin uitgegroeid tot een erkend financieel fenomeen. Het speelt een rol in internationale kapitaalstromen en geldt in sommige landen, zoals El Salvador, zelfs als wettig betaalmiddel. Allianz ziet deze ontwikkeling als bewijs dat digitale valuta niet meer weg te denken zijn uit het mondiale financiële systeem.   Welke crypto nu kopen?Lees onze uitgebreide gids en leer welke crypto nu kopen verstandig kan zijn! Welke crypto nu kopen? Bitcoin beweegt rond de ATH en blijft voor veel beleggers een van de meest aantrekkelijke crypto’s, met relatief laag risico en een bewezen trackrecord. Recente uitspraken van Fed-voorzitter Jerome Powell, die Bitcoin “digitaal goud” noemde, versterkten het vertrouwen. Tegelijkertijd zorgden macro-economische ontwikkelingen en een sterke altcoin rally voor extra beweging op… Continue reading Allianz ziet Bitcoin en crypto als hoeksteen van toekomstig financieel systeem document.addEventListener('DOMContentLoaded', function() { var screenWidth = window.innerWidth; var excerpts = document.querySelectorAll('.lees-ook-description'); excerpts.forEach(function(description) { var excerpt = description.getAttribute('data-description'); var wordLimit = screenWidth wordLimit) { var trimmedDescription = excerpt.split(' ').slice(0, wordLimit).join(' ') + '...'; description.textContent = trimmedDescription; } }); });   Rol van altcoins en tokenisatie Naast Bitcoin wijst Allianz ook op de kansen van andere digitale activa. Ethereum en vergelijkbare platforms maken toepassingen mogelijk die verder gaan dan puur betalingsverkeer. Het tokeniseren van echte bezittingen, zoals vastgoed, obligaties en aandelen, kan volgens Allianz leiden tot efficiëntere markten, meer transparantie en bredere toegankelijkheid van financiële diensten. “De tokenisatie van bezittingen en de groei van decentrale financiële toepassingen kunnen de totale markt voor digitale activa aanzienlijk vergroten,” aldus Allianz. Deze innovaties zouden een belangrijke bijdrage kunnen leveren aan de verdere democratisering van het mondiale financiële systeem. Vooruitblik Met de huidige snelheid van adoptie verwacht Allianz dat digitale valuta de komende jaren zullen uitgroeien tot een onmisbare hoeksteen van de financiële wereld. Volgens de dienstverlener gaat het niet langer om de vraag of crypto blijft bestaan, maar om hoe groot de rol precies wordt. Verwacht jij dat Allianz hier gelijk in kan hebben en dat Bitcoin daadwerkelijk onderdeel van het fundament wordt van het financiële systeem van de toekomst? Dat is een mogelijkheid, maar daarvoor moeten veel meer bedrijven en overheden de digitale munt adopteren en serieus gaan gebruiken als reserve-asset. Nu zijn het met Strategy, Metaplanet en andere bedrijven toch nog de wat kleinere spelers die leven op een Bitcoin-standaard. Maar je moet natuurlijk ergens beginnen en het lijkt er serieus op dat de adoptie van Bitcoin op dit gebied in een stroomversnelling is gekomen. Crypto marktinzichten 10xResearch - insights in de cryptomarkt Jarenlange expertise in markt onderzoek en technische insights Data gebaseerd op meer dan 50 trading algoritmes Meest recente en accurate marktanalyses 10xResearch review Registreer op 10xResearch Het bericht Allianz ziet Bitcoin en crypto als hoeksteen van toekomstig financieel systeem is geschreven door Thom Derks en verscheen als eerst op Bitcoinmagazine.nl.

Author: Coinstats

2025/08/22

CFTC Kicks Off Second Crypto Sprint Under Trump

CFTC Kicks Off Second Crypto Sprint Under Trump

The post CFTC Kicks Off Second Crypto Sprint Under Trump appeared on BitcoinEthereumNews.com. The initiative comes at a time of leadership uncertainty at the CFTC. President Trump’s nominee for CFTC chair, Brian Quintenz, is still awaiting Senate confirmation. Meanwhile, Pennsylvania lawmaker Ben Waxman introduced legislation to ban public officials from profiting off crypto while in office. CFTC Begins New Crypto Sprint The US Commodity Futures Trading Commission (CFTC) launched a second “crypto sprint,” which is aimed at expanding its engagement with market participants and implementing recommendations from the President’s Working Group on Digital Asset Markets. Acting Chair Caroline D. Pham announced that the agency is now seeking public feedback on how it should regulate spot crypto trading, particularly when it comes to leveraged, margined, or financed retail activity on CFTC-registered exchanges. Pham explained that stakeholder input will be crucial for the regulator to evaluate new approaches to oversight in order to fulfill the Trump administration’s crypto agenda. Earlier this month, the CFTC unveiled its first crypto sprint initiative, which focused on exploring how spot crypto asset contracts could be traded on CFTC-registered futures exchanges. That announcement came shortly after the release of a 166-page White House report outlining a comprehensive strategy for digital asset markets.  White House report The report produced 18 recommendations for the CFTC, with two being directly under its authority. The first urged the regulator to issue clearer guidance on when cryptocurrencies should be classified as commodities, how decentralized finance (DeFi) entities can comply with registration requirements, and what activities CFTC-regulated entities are permitted to undertake in the crypto space.  The second called on the agency to amend existing rules to better accommodate blockchain-based derivatives. The other 16 recommendations involved coordination with the Treasury Department and the Securities and Exchange Commission. In its initial sprint announcement, the CFTC pledged to work closely with the SEC to build a rulemaking framework…

Author: BitcoinEthereumNews

2025/08/22

Solana Faces Pressure From Ethereum’s Next L2 Challenger Layer Brett

Solana Faces Pressure From Ethereum’s Next L2 Challenger Layer Brett

The post Solana Faces Pressure From Ethereum’s Next L2 Challenger Layer Brett appeared on BitcoinEthereumNews.com. Crypto News The recent surge in Solana’s (SOL) price has captured headlines, but the crypto market’s attention is rapidly shifting toward the explosive presale of Layer Brett, the newest Ethereum L2 challenger that analysts say could trigger a major memecoin boom.  With Layer Brett LBRETT priced at just $0.0047 in its crypto presale, and staking rewards reportedly reaching over 25,000% APY for early participants, the buzz around Layer Brett is impossible to ignore. The excitement is fed by comparisons to Shiba Inu, Pepe, Bonk, Dogecoin, and especially Brett (original), all of which are currently being scrutinized as Layer Brett redefines what a meme token can be. Why Ethereum (ETH) L2 tech gives Layer Brett the edge Layer Brett (LBRETT) leverages cutting-edge Ethereum L2 technology, bringing near-instant transaction speeds and ultra-low gas fees. While Solana (SOL) boasts a $99.92 billion market cap and significant network upgrades, Layer Brett’s off-chain processing delivers what meme enthusiasts and DeFi users have long demanded: speed, scalability, and cost efficiency. Unlike Shiba Inu and Bonk, which have struggled with high gas fees or network congestion, Layer Brett enables users to buy and stake $LBRETT in seconds using ETH, USDT, or BNB, directly from MetaMask or Trust Wallet. Key advantages of Layer Brett: Low entry price: At $0.0047, $LBRETT offers a chance to enter before the next crypto bull run. Staking rewards: Early stakers can access APYs over 25,000%, a figure unmatched by Dogecoin or Pepe. Viral meme culture: Layer Brett fuses memecoin hype with real blockchain utility, unlike the static ecosystems of some rivals. $1 million giveaway: Community growth is incentivized through ongoing campaigns. What makes Layer Brett different from Brett (original), Pepe, and Bonk While Brett (original) found early traction on Base, its limited utility left holders wanting more. Layer Brett’s (LBRETT) roadmap includes NFT…

Author: BitcoinEthereumNews

2025/08/22

Credit Cards? Meh- Not My Thing

Credit Cards? Meh- Not My Thing

I have to say, I don’t like credit cards. I really don’t. Now you might ask, “Why, Eric? Doesn’t it feel good to borrow money now? Don’t you like not having to pay things until later on?” As nice as that sounds, there’s a caveat to that. In other words, nothing can be free forever. Will your credit score go up if you pay in full? By making full payments to your credit card, your score will remain high as long as you don’t have a balance lingering over your head. Having a zero balance (or a small one) ensures you keep your credit score high. There comes a time when you’re going to have to pay off your balance in full. If you don’t, your payments will be higher going forward. Eventually, the chickens will come home to roost sooner rather than later. And the bills need to be paid. It’s either now or never for me. That’s what I want to discuss in this post. Yours Truly- Not The Biggest Fan Of Credit Cards As I mentioned, I’m not the biggest fan of credit cards. I have two of them, but no more. I remembered getting my first exposure to them back in my high school years. The moment that my mom gave me a credit card (under her and my father) was like giving me another dose of freedom. But unlike most young people, I didn’t just go out and recklessly max it out in one day. Oh no — I knew better than that. My mom gave me some key points in mind that you can’t borrow all the time and get away with it. So she gave me that lesson right there, and it’s stuck inside my head for the last 16–17 years now. Again, another great thing I learned from my mother about personal finance. She kept household spending under control, and I give her credit for where I’m at right now. After I got my first card, I used it for essential things, such as grocery shopping and filling up gas in my car. My first car was a Dodge Intrepid, which was a gift from my grandfather. That was the car he drove prior to me turning 16 years old. So I would fill out on the credit card when needed. But other than that, I didn’t use it for anything else. If I did, my mother would notice and probably cut that card out on me. I did pretty well with the credit card when I was in high school. It’s continued to be that way, now that I have one in my own name. I still use one that’s under my parents’ name, as they’re generous from time to time. For example, they may ask me to use the card under their name to fill up on gas. Sometimes, when I travel to see them or other places, they’ll say, “Fill up the tank on us. We got you covered.” So there are times when I use the other card, but for the most part, I primarily use the card under my name. So I’m good at utilizing the credit cards. I don’t like using it for discretionary spending (i.e. personal consumption), but I do see there are good uses for a credit card. That’s the whole idea of having at least one credit card — to build up credit over time. With good credit, it gives you the ability to have more borrowing power. Or in some cases, it gives you the ability to make bigger purchases in the long run. So there are some benefits to having a credit card, so that way your credit can build up. I know it’s made a difference when I applied for apartments in the past. It certainly helped when I applied at the place I’m at right now. Credit score was a big factor in helping me get approved for the apartment I’m at right now. That’s always something to keep in mind. Although I’m not a fan of using it for personal consumption, it helps to put yourself in a better financial position for those things you need in life. So I’m glad to have at least one credit card on hand. I have two, but no more than that. I discuss a lot about credit cards in my latest post on my website. I go over some ways I make the most of credit card utilization. These key points do help, especially when it comes to knowing the right time to use a credit card. I know it’s something I still struggle with at times, but it helps to have a better understanding of it. I go over those points in my latest article. Until tomorrow, -Eric Credit Cards? Meh- Not My Thing was originally published in Coinmonks on Medium, where people are continuing the conversation by highlighting and responding to this story

Author: Medium

2025/08/22

CFTC Gathers Public Opinion for Crypto Policy

CFTC Gathers Public Opinion for Crypto Policy

The post CFTC Gathers Public Opinion for Crypto Policy appeared on BitcoinEthereumNews.com. The Commodity Futures Trading Commission (CFTC) has taken a significant step forward in its “Crypto Sprint” initiative, marking a new phase in its broader cryptocurrency strategy. This phase emphasizes stakeholder engagement, as guided by recommendations from the Presidential Working Group on Financial Markets. Continue Reading:CFTC Gathers Public Opinion for Crypto Policy Source: https://en.bitcoinhaber.net/cftc-gathers-public-opinion-for-crypto-policy

Author: BitcoinEthereumNews

2025/08/22

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