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dostoyevsky-official · 6 days ago

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“Treasury has been denying that they gave Marko write access, but I am looking at his access request right now”

So they have “read and write” access, or even “read only” access, why do we care? What are the possible consequences?

1. Musk, Trump and their respective cronies have unrestricted access to your social security numbers, your confidential bank information, your confidential medical information and so much more.

This is true with just “read only” access. This is why the burgeoning media war (that currently “read only” is winning unfortunately) is something of a red-herring. It matters, don’t get me wrong. As a source yesterday said, Apocalyptic. But that source also said that “read only” was “catastrophic”. If the smash and grab operation commences just as stupidly, quickly and dangerously as it has so far, this could easily become identity theft by an untold number of people using their personally identifiable information within weeks.

This kind of information can also be used to target enemies and, if they get operational control elsewhere, the capability of using the Anti-Money Laundering (AML), Know Your Customer (KYC), & the Combating the Finance of Terror (CFT) laws to target political enemies. Of course, these laws have already been used to target political dissidents; but we are talking about something of an incomprehensibly larger scale. As one long time payments lawyer wrote to me: “Is DOGE using its own, non-OFAC definition of ‘terrorist group’ that has no basis in law?” In this sense, the Democratic party has fully and unequivocally participated in building the apparatus that is showing to be extraordinarily easily weaponized against them. In short, they can not just steal money but eliminate the financial existence of anyone they felt like, if operational control gets sufficient. The week Trump won his second term, I told a room full of Democratic party operatives that “if the Democratic Party really believed Trump was a fascist, they would destroy the servers containing all the surveillance data.”

2. Creating “backdoors” into the Treasury’s multi-trillion dollar payment system

I’m running short on time (it's late at the time of writing) and I have to get up in the morning and be prepared for another round of intensive interviews so this will have to be more carefully detailed in the future. But these are extremely sensitive systems, and complicated systems. All the factors that slow them down in taking over the system are also the factors that would make it hard to find intentionally hidden code to their benefit that could give them ongoing access to the system even if they are removed. I need to do more reporting on this one but it is something many, many sources have mentioned

3. Subordinate the judicial system to the Trump Administration/DOGE

This one has been hard to get across to readers. As you can imagine, the overwhelming social media response to this reporting has focused on the absurd illegality of the actions. Asking for judicial intervention. But as I covered in my piece Friday, the constitution is not self enforcing and the supreme court is unlikely to step in, or to step in a positive way. In my Friday’s piece I unfortunately presciently asked:

As a famous twentieth century statesman might have said in this situation "...and how many divisions does the Constitution have?”

What happens if they are just embedded so deeply in the heart of government payments that there is no mechanism to dislodge them? Court Injunctions are not self enforcing either My longtime payments lawyer source agrees with this point, which I also tried to articulate Monday:

Chokehold to stop or delay any and all payments initiated by federal agencies, and potential mechanical method to thwart judicial rulings when a judge/court says “You as the Executive Branch cannot stop federal grants/payments lawfully approved and directed by Congress.”

As we’ve seen, there are no armed law enforcement figures coming in to save the day and if Musk's DOGE get deep enough into the Bureau of the Fiscal Service, the only way to enforce the law is through street actions.

4. Elon Musk can use this system against his enemies.

It almost feels quant to say because the timeline of so many of the other possibilities are so immediately and dramatically dire that this one almost feels hopeful in comparison in that it implies “competitive position” being something that is very meaningful. Nevertheless, it should be obvious that this information, which includes information on all businesses the Federal Government does business with, is ripe to be used to kneecap competitors. Specifically my longtime payments lawyer source brought up just outright putting competitors on the “do not pay” list. The “good case scenario” may just be an economy increasingly dominated in all corners by Musk and/or Trump through a sprawling network of business ventures with the greatest possible advantages.

5. The New American Payments System, X the Everything App

For this one I am just going to quote my longtime payments lawyer source at length. They’ve got it and note this is a “read only” issue. Imagine the worst case of paying your taxes on X payments, or “receiving” your social security payments there.:

Obtaining access to and potentially exfiltrating data sets from BFS that may be characterized as “anonymized” (in order to evade criticism about potential violation of privacy laws), but could give insight into payment patterns and payment system strengths, weaknesses and behaviors:

1. Such information obtained on an inside track by DOGE would be very helpful, for example, if you are an entity like X Payments LLC and are currently licensed as a money transmitter in 42 states with plans to launch as-yet-to-be specified payments and financial services.

2. It is unclear whether there are any limitations on DOGE personnel transferring payment information to X Payments LLC in order for that company to gain proprietary information regarding federal payments in an anti-competitive manner compared to its fintech competitors currently in the marketplace.

3. Such single-sourced information not available to other market competitors would provide an anti-competitive jump for X Payments LLC on ApplePay, Google Pay, Samsung Pay (mobile wallets) and a host of other fintech companies in the marketplace backed by venture capital and private equity funding.

6. Ability to pick and choose who gets public money, regardless of congressional directives

I covered the constitutional aspects of this crisis Friday. The payment aspects I covered Monday. Without Judicial ability or willingness to sanction Trump & Musk, There is very little left of congress. The “power of the purse” is central to the rule and authority of congress. The decentralized (in relative terms) nature of administrative agencies means that there are enormous opportunities for agencies to follow the law. This is a place to skip past all those headaches.

7. Subordinate the judicial system to the Trump Administration/DOGE

As a famous twentieth century statesman might have said in this situation "...and how many divisions does the Constitution have?”

8. Elon Musk can use this system against his enemies.

9. The New American Payments System, X the Everything App

10. Ability to pick and choose who gets public money, regardless of congressional directives

11. Catastrophic failure of the payments system.

Even a disruption for a day would be a disaster. A disruption on longer timescales would have unimaginable knock on effects. The Treasury could involuntarily default because of operational issues. The worst case scenarios, which are completely and utterly plausible at the time of writing, would be a catastrophe without precedent. No typical economic calamity like the Great Financial Crisis or even the Great Depression would be comparable.

#tankus

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mariacallous · 4 months ago

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In mid-September, Russians at War, a documentary by the Russian Canadian filmmaker Anastasia Trofimova, was supposed to be screened at the Toronto International Film Festival. At the last minute, after protests from the Ukrainian community and the office of Ukrainian President Volodymyr Zelensky, the festival first pulled the picture, only to return it to the program a week later.

What made the documentary so controversial was that, although many films have chronicled the devastation caused by Russia’s ongoing invasion of Ukraine, including the Oscar-winning 20 Days in Mariupol, Trofimova’s work focused on the invaders. The filmmaker, embedded with a Russian unit for seven months, humanized Moscow’s troops as lost, confused, and disheveled. The men joke, miss their families, and even criticize the Russian government, though they never speak against Putin. A love-on-the-front-lines plot trains the viewer’s sympathy on the soldiers, even while the film avoids any reference to atrocities committed by Russian forces in Ukraine.

So is Russians at War a propaganda film, as its Ukrainian critics argue? Financed in part by the Canada Media Fund and produced in partnership with Ontario’s public broadcaster TVO, Russians at War avoids the trope of “Russian savior liberates ancestral lands from NATO invaders” that is typical of Kremlin propaganda. But all of Trofimova’s previous documentaries, filmed in Syria, the Democratic Republic of the Congo, and Iraq, were made for RT—the Kremlin’s global propaganda network. In an interview with Deadline, Trofimova claimed that she embedded with a Russian unit without any military authorization, and just “stuck around.” In a country where a Wall Street Journal reporter gets sentenced to 16 years for merely handling a piece of paper, an independent filmmaker roaming the front lines, filming military installations, and interviewing soldiers without facing repercussions raises questions. Trofimova did not respond to a request for comment for this article.

One thing that the confused response to Russians at War makes clear is that eight years after the revelation that Moscow attempted to influence a U.S. presidential election, most Westerners still don’t really know how Russian propaganda campaigns work. Americans have become familiar with AI botnets, salaried trolls tweeting in broken English about Texas secession, deranged Russian TV hosts calling for a nuclear strike on New York, and alt-right has-beens. But what to make of a French and Canadian documentary, tucked between Pharrell’s Lego-animated film and a Q&A with Zoe Saldaña, that seems cozy with the Russian military and blurs the line between entertainment and politics?

Here is a clue: The Kremlin’s information war in the West is reminiscent of the one it fought—and won—on the home front. I know this because I was in that earlier war, and, regrettably, I fought on the wrong side.

I began working for Kremlin-linked media during my junior year in college. At the time, the Russian government was apparently hoping that by leveraging high energy prices, it could regain a bit of the influence it had lost after the Cold War. The state called this being an “energy superpower.” In practice, high oil and gas prices abroad translated into more Michelin chefs, German cars, and Italian suits for the select few at home.

In 2005, a close friend introduced me to Konstantin Rykov, known as the godfather of the Russian internet and, later, the man who revolutionized digital propaganda in Russia. In 1998, he launched a website called fuck.ru, which included a provocative magazine and mixed Moscow nightlife, humor, and art. With a blend of pop culture and media savvy, Rykov built an empire of news websites, tabloids, and even online games.

Rykov’s latest endeavor at the time of our meeting was The Bourgeois Journal, a glossy luxury-lifestyle magazine aimed at Russia’s affluent class. He hired me to head up the St. Petersburg bureau, not because of my background in student journalism, but in large part because I grew up in Boston, meaning that I was fluent in English and, apparently, the ways of the West. During my interview (a sushi-and-vodka breakfast), the word Kremlin never came up.

Rykov made the Journal available, for free, only at the most exclusive restaurants, gyms, private clinics, and five-star hotels. Inside, between ads for Richard Mille watches and prime London real estate, were interviews with figures such as Vladimir Medinsky and Alexander Dugin—now the ideologues behind Russia’s war in Ukraine. In a single issue, you could read a review of a restaurant located in a 15th-century building in Maastricht, an essay about the West’s fear of a strong Russia, and a report from Art Basel. The Bourgeois Journal used luxury to mask propaganda aimed at Russia’s elite.

Like many people working in Russian propaganda at the time, I didn’t agree with the narrative that my publication was spreading. And, as most people in propaganda will tell you, I was simply doing my job. I was there a little over a year—selling ads, reviewing restaurants, and occasionally interviewing a Western celebrity. The tedious essays on Russia’s place in the world were outweighed by the benefits of running a magazine for the rich: private palaces, private parties, and escapes to the Caribbean sun—something that the birthplace of Dostoyevsky had little of.

After the success of The Bourgeois Journal, Rykov launched Russia.ru, the country’s first online television network, in 2007. Here, pro-Kremlin news ran alongside obscene reality shows, attracting nearly 2.5 million viewers a month. The network’s slogan, “Glory to Russia”—now a battle cry in Russia’s war in Ukraine—demonstrated just how seamlessly Rykov blended patriotism with entertainment to reach an enormous audience.

Building on this, Rykov introduced ZaPutina (“For Putin”), a movement designed to help Vladimir Putin secure an unconstitutional third term. The project included an online platform that aggregated news from various sources, including original reporting from its own correspondents; a ZaPutina campaign bus to take Kremlin-loyal bloggers across the country; and attractive women—proto-influencers—who attended press conferences, introducing themselves by name and their outlet (“For Putin”) before asking their questions.

My biggest contribution to Russian propaganda came in 2009. By then, Russia was positioning itself as an inventive, Western-oriented economy. Vladislav Surkov—an adman, a poet, a columnist, and a Kremlin ideologue—dubbed this period one of “managed democracy,” which will likely be remembered as the midpoint between Russia’s post-Soviet anarchy and its modern-day fascism. Political parties were numerous, but all controlled from the Kremlin, as was almost every form of media. Yet the country sought a veneer of freedom. That’s where Honest Monday came in—a prime-time talk show that I co-created, wrote, and co-produced.

Our remit was to reach the sorts of viewers who ignored the in-your-face messaging of broadcast talk shows. Each week, the Kremlin assigned these shows a topic it wanted highlighted, and most would comply in a very blunt fashion: Do this, vote for that, Russia’s great. With a young host and a flashy studio modeled on French TV, Honest Monday took a different approach. Every week, I wrote up a summary of the left, center, and right perspectives on the topic we were given; I also delineated a viewpoint that reflected the Kremlin’s stance on the matter and sketched a justification for why this view was better than the other three. The producers would then scour the country for guests whose views reflected each of the three perspectives. The three speakers—politicians, celebrities, or pundits—had to defend their stance to, say, a factory worker we flew in from Siberia whose experience was relevant to the topic we covered. The debates were real, many of them heated, and with views contradicting the Kremlin’s. Still, the house always won.

Toward the end of our first season, the ratings for Honest Monday dipped, and the Kremlin’s tolerance waned. The network introduced a new director. As I recall, he outlined for us his vision of the show’s future: “When the viewers tune in, the first thing they should do is shit themselves.”

The Kremlin instructed us to take aim at the powerless Russian opposition, and in a matter of weeks, the messaging turned into outright bashing of everything that stood against Putin. I resigned—publicly—by sanctimoniously calling the show’s producers and host “Kremlin shills.” A couple of years later, two people connected with the Russian propaganda machine lured me outside and assaulted me in broad daylight (one of them later tweeted that he was motivated by a personal issue rather than a political one). When I hit the ground, half a mile from the Kremlin, I was finally out of the game.

Perhaps Rykov’s greatest contribution to Russian propaganda remains his cadre of media managers and propagandists, who now grace Kremlin corridors (and U.S. Treasury sanctions lists). One such protégé was Vladimir Tabak. Formerly a producer at Russia.ru, he rose to prominence in 2010, when he organized a now-infamous birthday calendar for Putin, featuring 12 female students posing in lingerie and captioned with quotes like “I love you,” “Who else but you?,” and “You’re only better with age.” The calendar, designed to create buzz and cultivate Putin’s image, dominated the news cycle for weeks. In an interview with the model Naomi Campbell, Putin even commented on how much he liked it. Legend has it that Surkov personally approved the project.

Although Tabak’s initial endeavor may have seemed playful, his later efforts illustrate just how insidious his propaganda techniques have become. Since 2020, Tabak has led Dialog, a powerful, Kremlin-affiliated organization tasked with controlling and shaping all social-media narratives in the country. If someone uses social media to criticize, say, the mayor of a small town, Dialog knows about it. According to a joint investigation by the independent Russian outlets Meduza, The Bell, and iStories, the organization took on a significant role during the coronavirus pandemic, virtually monopolizing the flow of COVID-related information in Russia by launching the website Stopkoronavirus.rf as the primary source for daily pandemic updates (the investigation report notes that Dialog denies being associated with this site).

At the height of the pandemic, the Kremlin decided to hold a vote on constitutional amendments that would allow Putin to serve two more terms, and Dialog immediately shifted to encouraging people to go to the polls, downplaying COVID-19 concerns. Later, after the full-scale invasion of Ukraine, Dialog was reportedly tasked with spreading fake news about the war not just in Russia, but in Ukraine. Some of the narratives included Ukrainian soldiers selling their awards on eBay, high-ranking Ukrainian officials owning expensive property in the European Union, and Kyiv ordering the mobilization of women.

Tabak’s organization has become a key player in Russia’s digital warfare abroad, including in its most recent campaign targeting Western audiences. On September 4, the U.S. Justice Department seized numerous internet domains allegedly involved in Russia’s Doppelganger campaign—an influence operation designed to undermine international support for Ukraine and bolster pro-Russian interests. The domains, many of them made to resemble legitimate news outlets, were linked to Russian companies, including Dialog. According to an unsealed affidavit, the goal of the operation was to spread covert Russian propaganda, manipulate voter sentiment, and influence the 2024 U.S. presidential election.

Doppelganger appears to be a sophisticated operation that used deepfakes, AI, and cybersquatting (registering domains designed to mimic legitimate websites). But the Kremlin’s real innovations were those it employed in Russia in the 1990s; in the West today, it is simply repeating the same playbook using new technology. Washingtonpost.pm, a fake news website created to spread Russian propaganda, was an evolution of the fake newspapers that circulated in Russia during the ’90s ahead of elections. The purpose of those outlets—made to resemble legitimate media but filled with kompromat, gossip, and propaganda—was to get the right people elected.

Since the start of the full-scale invasion of Ukraine, Russian propaganda has churned out absurd and repulsive lies, such as that Ukraine has biolabs where NATO scientists are working on a virus that targets Slavic DNA, and that Zelensky, who is Jewish, presides over a neo-Nazi regime. Yet, in a way, it has become honest with itself—at least for the domestic audience. There’s no longer a need for platforms like Russia.ru or The Journal, because the message is clear: This is who we are, and you’re either with us or against us. And yet, the entertainment aspect didn’t disappear. Rather, it was absorbed into the propaganda machine through the Institute for Internet Development.

Founded in 2015 with Kremlin backing, and currently under the direction of the former Journal producer Alexey Goreslavsky, the IID helps direct state funds toward producing everything from box-office releases to YouTube videos, blogs, and video games. With a yearly budget of more than $200 million, it dwarfs any private film studio or streaming platform in Russia.

Since the full-scale invasion of Ukraine, the institute has become the go-to hub for content. Initially, its output was dull and overtly propagandistic, but that has changed. Its catalog now includes 20/22, a TV series about a soldier fighting in Ukraine and his anti-war girlfriend, as well as A Thug’s Word, a 1980s period piece about a street gang, which became the No. 1 show in Russia and surprisingly popular in Ukraine—much to the dismay of the Ukrainian government. A Thug’s Word contains no politics, no war, and no Putin, yet IID—a propaganda organization—considers it its greatest success, because it legitimized the institute in the world of popular entertainment, which it fought so hard to break into.

One reason Russian propaganda is running circles around the West is that the internet was one of the few domains where the Russian state arrived late, forcing it to co-opt those who understood it. RuNet, the Russian segment of the World Wide Web, was created—and run—by people like Rykov: artsy 20-somethings, filled with cynicism, post-Soviet disillusionment, and a cyberpunk mentality. The collapse of the Soviet Union taught them that truth was whatever they wanted it to be, and that survival was the ultimate goal. The advertising executives, philosophy students, and creatives who once made video art, lewd calendars, and scandalous zines are the same minds who in 2016 said, “Let’s make memes about Hillary Clinton,” and in 2024 suggested using AI to flood X with believable comments. In many ways, this confrontation mirrors what’s happening in Ukraine: This time, however, the West is the massive, unwieldy force being outsmarted by a smaller, more tech-savvy adversary.

The good news is that the Kremlin is a graveyard of talent. In time, every gifted person I knew who went behind its brick walls was devoured by deceit, paranoia, and fear of losing one’s place in the sun. Konstantin Rykov was exceptional at his job, so much so that the Kremlin offered him a seat in the Russian Parliament when he was just 28. He accepted the offer. But being a member of the Duma Committee on Science and High Technologies and the Committee for Support in the Field of Electronic Media wasn’t the same as being the editor of fuck.ru. Despite being involved in some foreign influence operations, Rykov, now 45, hasn’t produced any significant work for Russian audiences since he joined Parliament.

Asked by an audience member in Toronto whether Russia was responsible for the war in Ukraine, Trofimova replied, “I think there are a lot of other factors involved. Yeah, like they are definitely sending troops in to solve whatever grievances there are.” Even if it wasn’t financed by Moscow, Russians at War reminds me of a Rykov production: slick, scandalous, and with a ton of free press. The message the film conveys is that war, not the country that started it, is bad in this scenario. Trofimova seems to portray Russia’s invasion of Ukraine, and the astonishing scale of the atrocities it has committed there, as something impersonal and inexorable, like a tsunami: We can only accept it and sympathize with the victims, including Russian soldiers.

I stopped working for the Kremlin long before the Russo-Ukrainian war, and whatever I did as the head of a magazine bureau and as a talk-show producer pales in comparison with what some of my former colleagues are doing today. Still, I know that in every bullet flying toward Ukraine—the country where my parents were born—there’s a small part of me. I wonder if Trofimova sees that she’s part of it, too.

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mightyflamethrower · 6 months ago

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(America First Report)—Iran appears to be on the verge of attacking Israel directly. This will be the second time they have attacked this year following a series of drone and missile strikes on April 13. Rumors of war percolate as both sides have vowed to escalate beyond a single-day skirmish.

Secretary of Defense Lloyd J. Austin III communicated with his Israeli counterpart, Yoav Gallant, to reaffirm U.S. backing for Israel as tensions escalate with Iran and its proxies, raising the specter of a broader regional conflict following ten months of fighting against Hamas militants in the Gaza Strip.

During their conversation, Austin and Gallant discussed U.S. military positioning adjustments aimed at reinforcing defenses for U.S. troops in the region, supporting Israel’s defense, and deterring and defusing broader regional tensions, as per a statement from the Pentagon.

This discussion took place as Israeli Prime Minister Benjamin Netanyahu informed a Cabinet meeting that Israel is already engaged in a “multi-front war” with Iran and its proxies.

Tensions in the region have reached unprecedented levels following the recent killing of a senior Hezbollah commander in Lebanon and Hamas’ top political leader in Iran. Both Iran and its allies have pointed fingers at Israel and threatened retaliation. Hamas has begun the process of selecting a new leader.

Netanyahu stated that Israel is prepared for any scenario. In a rare move, Jordan’s foreign minister traveled to Iran as part of diplomatic efforts, with the aim to quell the escalation.

Meanwhile, Secretary of State Antony Blinken reportedly informed his counterparts on Sunday that Iran and Hezbollah might launch attacks against Israel as early as Monday, according to Axios.

Gen. Michael Erik Kurilla, head of the U.S. Central Command (CENTCOM), is expected to arrive in Israel on Monday to coordinate preparations for the anticipated attack, according to the Times of Israel.

President Biden is also set to convene with his national security team in the situation room on Monday to discuss the Middle East situation, as reported by Reuters.

In Israel, some have prepared bomb shelters, recalling Iran’s unprecedented direct military assault in April following a suspected Israeli strike that killed two Iranian generals. Israel claimed that nearly all the drones and ballistic and cruise missiles were intercepted.

“For years, Iran has been arming and financing terrorist organizations across the Middle East, including smuggling explosives into Israeli territory for terror attacks against civilians,” IDF Spokesperson Rear Admiral Daniel Hagar said in a statement. “The IDF and ISA have already thwarted numerous attacks in which Claymore type explosives were smuggled into the country’s territory. We are determined to continue acting against Iranian terrorism wherever it may be.”

The war in Gaza was sparked by Hamas’ October 7 attack on Israel, which resulted in the deaths of approximately 1,200 people, mostly civilians, and the abduction of around 250 individuals. Israel’s ongoing counteroffensive has been brutal as they seek to completely eliminate Hamas, which has embedded itself among citizens of Gaza, using them as human shields.

The militant group Hezbollah and Israel have continued to exchange fire along the Lebanon border since the war began, with the intensity increasing in recent months. Hezbollah stated that its actions are intended to alleviate pressure on fellow Iran-backed ally Hamas.

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xettle-technologies · 9 months ago

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The impact of sustainability in fintech: reflections from the summit

In recent years, the Fintech industry has witnessed a paradigm shift towards sustainability, with an increasing emphasis on integrating environmental, social, and governance (ESG) factors into financial decision-making processes. This transformative trend took center stage at the latest Fintech Summit, where industry leaders converged to explore the intersection of sustainability and financial technology. Among the prominent voices shaping this discourse was Xettle Technologies, a trailblazer in Fintech software solutions, whose commitment to sustainability is driving innovation and reshaping the future of finance.

Against the backdrop of global challenges such as climate change, resource depletion, and social inequality, the imperative for sustainable finance has never been greater. The Fintech Summit provided a platform for thought leaders to reflect on the role of technology in advancing sustainability goals and fostering a more resilient and equitable financial ecosystem.

At the heart of the discussions was the recognition that sustainability is not just a moral imperative but also a strategic imperative for Fintech firms. By integrating ESG considerations into their operations, products, and services, Fintech companies can mitigate risks, enhance resilience, and unlock new opportunities for growth and value creation. Xettle Technologies’ representatives underscored the company’s commitment to sustainability, highlighting how it is embedded in the company’s culture, innovation agenda, and business strategy.

One of the key themes that emerged from the summit was the role of Fintech in driving sustainable investment. Through innovative solutions such as green bonds, impact investing platforms, and ESG scoring algorithms, Fintech firms are empowering investors to allocate capital towards environmentally and socially responsible projects and companies. Xettle Technologies showcased its suite of Fintech software solutions designed to facilitate sustainable investing, enabling financial institutions and investors to align their portfolios with their values and sustainability objectives.

Moreover, the summit explored the transformative potential of blockchain technology in advancing sustainability goals. By enhancing transparency, traceability, and accountability in supply chains, blockchain can help address issues such as deforestation, forced labor, and conflict minerals. Xettle Technologies’ experts elaborated on the company’s blockchain-based solutions for supply chain finance and sustainability reporting, emphasizing their role in promoting ethical sourcing, responsible production, and fair labor practices.

In addition to sustainable investing and supply chain transparency, the summit delved into the role of Fintech in promoting financial inclusion and resilience. By leveraging technology and data analytics, Fintech firms can expand access to financial services for underserved populations, empower small and medium-sized enterprises (SMEs), and build more inclusive and resilient communities. Xettle Technologies’ representatives shared insights into the company’s initiatives to support financial inclusion through digital payments, microfinance, and alternative credit scoring models.

Furthermore, the summit highlighted the importance of collaboration and partnership in advancing sustainability goals. Recognizing the interconnected nature of sustainability challenges, participants underscored the need for cross-sectoral collaboration between Fintech firms, financial institutions, governments, civil society, and academia. Xettle Technologies reiterated its commitment to collaboration, emphasizing its partnerships with industry stakeholders to drive collective action and scale impact.

Looking ahead, the future of sustainability in Fintech appears promising yet complex. As Fintech firms continue to innovate and disrupt traditional financial systems, they must prioritize sustainability as a core principle and driver of value creation. Xettle Technologies’ visionaries reiterated their commitment to sustainability, pledging to harness the power of technology to build a more sustainable, inclusive, and resilient financial ecosystem for future generations.

In conclusion, the Fintech Summit served as a catalyst for reflection and action on the role of sustainability in shaping the future of finance. From sustainable investing and supply chain transparency to financial inclusion and resilience, Fintech has the potential to drive positive change and advance sustainability goals on a global scale. Xettle Technologies’ leadership in integrating sustainability into its Fintech solutions exemplifies its dedication to driving innovation and creating shared value for society and the planet. As the industry continues to evolve, collaboration, innovation, and sustainability will be key drivers of success in building a more sustainable and resilient financial future.

#Fintech Summary #Fintech Summit #Fintech News #Startup Life #Treanding

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digitalmore · 8 hours ago

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#IFTTT #DigitalMore.co

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aaryablogs · 1 day ago

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theoptimisticpatriot · 5 days ago

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Labour's devolution and reorganisation plans raise five big questions

First published on LabourList 6.2.25.

As six areas are fast-tracked to establish new Strategic Authorities this is a good week to reflect on Labour’s devolution policy. In the priority areas county council elections due in May will be postponed. Over the coming months, district councils and small unitaries will have to agree new, unitary, council boundaries. Elections will be held in May 2026 for directly elected mayors and the new unitaries. Labour has a 200 seat majority and four years to run so despite some rumbling, the prevailing mood is ‘this is going to happen’ . and the debate is ‘how will this work in practice’,

The big picture is now familiar. Individual ‘devo deals’ will be replaced with a statutory framework for three levels of Strategic Authorities with different levels of powers and resources. These range from the well-established city regions ‘Established Strategic Authorities’ to the less well-grounded or newer devolved areas with mayors ‘Mayoral Strategic Authorities’ , and finally those that choose not to have mayors for now ‘Foundation Strategic Authorities’.

New powers can be added to the framework, but not removed, creating ‘devolution by default’ over time. It should be clear how a Strategic Authority can be ‘promoted’ from one level to another. ‘Established Strategic Authorities’ will get single pot’ budgets covering a range of largely growth focussed budgets in the Established areas, with a much more extensive list of consultative/collaborative areas. Most strategic authorities will receive some additional finance and the promise of engagement with a wider range of government bodies. All areas will be required to produce a strategic spatial plan, vital to the government’s housing and growth ambitions.

The White Paper is a significant step but, welcome though it is, it is only a limited attempt to reverse the extraordinary erosion of local democracy. For five decades councils have been increasingly underfunded and had their fiscal autonomy – the power to raise money – curtailed. Services once provided locally have either been privatised (buses), transferred to weakly regulated sectors (social housing, schools), or run from the centre (strategic and much of local planning). Swathes of public services are now unaccountable to local voters, users or central government ministers. What power councillors retain has been concentrated in fewer and fewer hands. And it will be years before most of England has even the limited powers enjoyed by Greater Manchester or the West Midlands.

As we move forward, Labour members should be thinking about how to make the most of the radical potential that has been opened – but not yet delivered – by the White Paper. There are five key issues

Where should devolved regions sit within the ‘constitution’?

Can we move beyond the statutory devolution framework to create that, without the constitutionally embedded layer of devolved local government common across Europe? In most nations, powers, competences and resources are not just devolved from the centre but belong as of right to the lower tiers of government. To do this, we might give local government – perhaps via the Mayors Council – a statutory role in shaping devolution policy and the fiscal framework for local government. A new system of local accountability – floated in the White Paper and reinforced by Jim McMahon on Wednesday – could replace upwards reporting to the centre. But there will be tensions around whether local growth plans will be locally led or forced into a national template.

What powers should local councils have control over?

It wouldn’t make sense just to turn the clock back to council powers of 40 years ago, but we should be asking what we want the local democratic state to provide and not wait to see what the centre throws our way. What should the local authority and mayoral role be in relation to schools/social housing/health/planning/community wealth building/procurement/skills/transport/arts/culture and leisure? If we don’t know and demand it, central government is hardly likely to give it away.

Can we reform local budgets to make them more efficient?

Even with devolution, most local public spending will not pass through strategic or local authorities. Health, police, probation, fire and rescue and the social security budget lie outside, but it is often the failure to join up services and investment in prevention that leads to a shocking waste of scarce taxpayers’ money. The White Paper highlights ‘Total Place’: an initiative at end of last Labour government that looked at all public money in an area and asked how best to spend it to support local people. This approach – which would put councils at the centre of re-imagining all public services – would include reallocating local spending from one service to another and shifting spending from crisis towards prevention.

How do we keep new councils connected with communities?

It’s not yet clear how democratic Labour’s devolution will be. Smaller councils will be abolished, taking decisions away from local communities. Mayors may gain powers from the centre, but some mayors want to pull powers up from local councils too, concentrating power in the hands of a few.

The system needs a healthy, respectful and democratic relationship between voters, local communities, councils, strategic authorities and mayors. It will be important to ensure the right balance of powers and responsibilities, given that no two areas are the same. Perhaps Mayors, strategic authorities and local authorities should be required to set out how their own powers will be exercised at the lowest possible level, including town and parish councils, community empowerment models, and deliberative participation.

How do we design the structures of devolved regions?

New Strategic Authorities will need officer and management structures to support their work, the new Mayors and, where needed, coordinate local authorities. How this is done will make a big difference to how it feels to be a citizen in a Strategic Authority area. Most of today’s combined authorities have a ‘mini-Whitehall’ model, mirroring responsibilities that come down from Whitehall. This might work in coherent city-regions where most local authorities share the same regional vision (and perhaps political leadership), thought it can feel pretty remote from local neighbourhoods. It might be less effective where identities are weak and councils have diverse perspectives. Flatter, networked structures which encourage a collective vision and build local authority capacity may be cheaper and better.

For English readers of LabourList, this is now happening in real time, with a Communities White Paper and an English Devolution Bill to come. We should make the most of the opportunities they offer.

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jcmarchi · 8 days ago

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ChatGPT gains agentic capability for complex research

New Post has been published on https://thedigitalinsider.com/chatgpt-gains-agentic-capability-for-complex-research/

ChatGPT gains agentic capability for complex research

OpenAI is releasing a powerful agentic capability that enables ChatGPT to conduct complex, multi-step research tasks online. The feature, called Deep Research, reportedly achieves in tens of minutes what could take a human researcher hours or even days.

OpenAI describes Deep Research as a significant milestone in its journey toward artificial general intelligence (AGI).

“The ability to synthesise knowledge is a prerequisite for creating new knowledge,” says OpenAI. “For this reason, Deep Research marks a significant step toward our broader goal of developing AGI.”

Agentic AI enables ChatGPT to assist with complex research

Deep Research empowers ChatGPT to find, analyse, and synthesise information from hundreds of online sources autonomously. With just a prompt from the user, the tool can deliver a comprehensive report, comparable to the output of a research analyst, according to OpenAI.

Drawing capabilities from a variant of OpenAI’s upcoming “o3” model, the aim is to free users from time-consuming, labour-intensive information gathering. Whether it’s a competitive analysis of streaming platforms, an informed policy review, or even personalised recommendations for a new commuter bike, Deep Research promises precise and reliable results.

Importantly, every output includes full citations and transparent documentation—enabling users to verify the findings with ease.

The tool appears particularly adept at uncovering niche or non-intuitive insights, making it an invaluable asset across industries like finance, science, policymaking, and engineering. But OpenAI also envisions Deep Research being useful for the average user, such as shoppers looking for hyper-personalised recommendations or a specific product.

people will post lots of great examples, but here is a fun one:

i am in japan right now and looking for an old NSX. i spent hours searching unsuccessfully for the perfect one. i was about to give up and deep research just…found it.

— Sam Altman (@sama) February 3, 2025

This latest agentic capability operates through the user interface of ChatGPT; users simply select the “Deep Research” option in the message composer and type their query. Supporting files or spreadsheets can also be uploaded for additional context.

Once initiated, the AI embarks on a rigorous multi-step process, which may take 5-30 minutes to complete. A sidebar provides updates on the actions taken and the sources consulted. Users can carry on with other tasks and will be notified when the final report is ready.

The results are presented in the chat as detailed, well-documented reports. In the coming weeks, OpenAI plans to enhance these outputs further by embedding images, data visualisations, and graphs to deliver even greater clarity and context.

Unlike GPT-4o – which excels in real-time, multimodal conversations – Deep Research prioritises depth and detail. Its ability to rigorously cite sources and provide comprehensive analysis sets it apart—shifting the focus from fast, summarised answers to well-documented, research-grade insights.

Built for real-world challenges

Deep Rsearch leverages sophisticated training methodologies, grounded in real-world browsing and reasoning tasks across diverse domains. Its model was trained via reinforcement learning to autonomously plan and execute multi-step research processes, including backtracking and adaptively refining its approach as new information becomes available.

The tool can browse user-uploaded files, generate and iterate on graphs using Python, embed media such as generated images and web pages into responses, and cite exact sentences or passages from its sources. The result of this extensive training is a highly capable agent for tackling complex real-world problems.

[embedded content]

OpenAI evaluated Deep Research across a broad set of expert-level exams known as “Humanity’s Last Exam”. The exams – comprising over 3,000 questions covering topics from rocket science and linguistics to ecology and classics – test an AI’s competence in solving multifaceted problems.

The results were impressive, with the model achieving a record-breaking 26.6% accuracy across these domains:

GPT-4o: 3.3%

Grok-2: 3.8%

Claude 3.5 Sonnet: 4.3%

OpenAI o1: 9.1%

DeepSeek-R1: 9.4%

Deep research: 26.6% (with browsing + Python tools)

Deep Research also reached a new state-of-the-art performance on the GAIA benchmark, which evaluates AI models on real-world questions requiring reasoning, multi-modal fluency, and tool-use proficiency. Deep Research topped the leaderboard with a score of 72.57%.

Limitations and challenges

While the Deep Research agentic AI capability in ChatGPT signifies a bold step forward, OpenAI acknowledges that the technology is still in its early stages and comes with limitations.

The system occasionally “hallucinates” facts or offers incorrect inferences, albeit at a notably reduced rate compared to existing GPT models, according to OpenAI. It also faces challenges in differentiating between authoritative sources and speculative content, and it struggles to calibrate its confidence levels—often displaying undue certainty for potentially uncertain findings.

Minor formatting errors in reports and citations, as well as delays in initiating tasks, could also frustrate initial users. OpenAI says these issues are expected to improve over time with more usage and iterative refinements.

OpenAI is rolling out the capability gradually, starting with Pro users, who will have access to up to 100 queries per month. Plus and Team tiers will follow suit, with Enterprise access arriving next.

UK, Swiss, and European Economic Area residents are not yet able to access the feature, but OpenAI says it’s working on expanding its rollout to these regions.

In the weeks ahead, OpenAI will expand the feature to ChatGPT’s mobile and desktop platforms. The long-term vision includes enabling connections to subscription-based or proprietary data sources, further enhancing the robustness and personalisation of its outputs.

Looking further ahead, OpenAI envisions integrating Deep Research with “Operator,” an existing chatbot capability that takes real-world actions. This integration would allow ChatGPT to seamlessly handle tasks that require both asynchronous online research and real-world execution.

(Photo by John Schnobrich)

See also: Microsoft and OpenAI probe alleged data theft by DeepSeek

Want to learn more about AI and big data from industry leaders? Check out AI & Big Data Expo taking place in Amsterdam, California, and London. The comprehensive event is co-located with other leading events including Intelligent Automation Conference, BlockX, Digital Transformation Week, and Cyber Security & Cloud Expo.

Explore other upcoming enterprise technology events and webinars powered by TechForge here.

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top4allo · 8 days ago

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52% of consumers use credit for groceries

Credit products changed, with personal loans, Empedded Financeand buy now, pay later (BNPL) Taking traction. According to a Pymts Intelligence Report, “BNPL and embedded finance reshaping Confumer ‘credit options“These options reshaped how consumers handle daily costs and more purchases, because more than half consumers now use credit to buy groceries. The rise of new credit products Consumers…

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paynxt360fintech · 2 years ago

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India introduces Unified Payments Interface to promote mobile money services

The National Payment Corporation of India (NPCI) recently launched unified payments interface (UPI), with the objective of extending mobile money services in India. UPI will allow users to receive and transfer money through their mobile phones from their existing bank accounts, utilizing unique identification details such as their Aadhaar number, mobile number, or a virtual payments address, without being required to enter their presonal credentials such as bank account details or security pins.

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marc-falzon · 10 days ago

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How Marc Falzon is Bridging Technology and Humanity through Crypto-Focused Filmmaking

In an industry often dominated by numbers, market charts, and technical jargon, Marc Falzon stands out as a storyteller who brings the human element to cryptocurrency. As a cryptocurrency expert and independent filmmaker, Falzon has dedicated his work to showcasing how blockchain technology impacts real lives, breaking down complex financial systems into narratives that resonate with everyday people. Through his crypto-focused filmmaking, he is bridging the gap between technology and humanity, offering a fresh and insightful perspective on digital currency adoption worldwide.

The Power of Storytelling in Crypto

While discussions around cryptocurrency often focus on price fluctuations and institutional adoption, Falzon takes a different approach. His films delve into the lived experiences of individuals who are directly impacted by blockchain technology. By embedding himself in communities that are embracing cryptocurrency, he captures personal stories that highlight both the opportunities and challenges of this financial revolution.

His documentary on El Salvador’s adoption of Bitcoin as legal tender is a prime example. Instead of merely reporting on policy changes, Falzon took to the streets to meet local vendors, business owners, and citizens adjusting to a Bitcoin-based economy. The documentary humanizes the economic transition, portraying how digital currency is reshaping commerce, remittances, and financial inclusion for people who were previously unbanked.

Democratizing Finance Through Film

One of the key themes in Falzon’s work is the democratization of finance. Traditional financial systems often exclude large portions of the global population, especially in developing regions where access to banking services is limited. His films highlight how cryptocurrencies, particularly Bitcoin Cash (BCH), empower individuals by providing them with direct control over their finances.

A striking example of this is his coverage of the Posada de Moises orphanage in Colombia, where Falzon demonstrated how Bitcoin Cash could be used for philanthropy. By leveraging crypto donations, the orphanage received funds instantly, without the need for intermediaries that would typically deduct transaction fees. This real-world use case showcases the tangible benefits of cryptocurrency in a way that resonates far beyond financial circles.

A Balanced Perspective on Crypto’s Evolution

While Marc Falzon is a strong advocate for cryptocurrency, his work does not ignore its challenges. His films explore both the promise and the pitfalls of digital assets, offering a well-rounded view that invites informed discussion. Issues such as volatility, regulatory uncertainty, and adoption hurdles are all addressed in his storytelling, ensuring that his work remains credible and insightful for a broad audience.

By presenting the real-world implications of blockchain technology, Falzon’s work helps demystify crypto for the general public. His ability to weave financial education into compelling storytelling makes his documentaries accessible to both crypto enthusiasts and newcomers alike.

Inspiring the Next Wave of Crypto Innovators

Falzon’s crypto-focused filmmaking is more than just content—it’s a movement that encourages exploration, innovation, and social impact. By capturing the intersection of technology and humanity, he provides a roadmap for a future where digital currencies are not just a speculative asset but a force for financial empowerment.

As the world continues to grapple with the rapid evolution of blockchain technology, voices like Marc Falzon’s are essential in shaping a more informed, inclusive, and human-centered crypto ecosystem. His work reminds us that at the heart of every technological breakthrough are the people whose lives it aims to change.

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gtsconsultant · 11 days ago

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Unlocking the Power of Semantic Annotation for AI and Business Growth

In the age of artificial intelligence and big data, just raw information is not enough. AI needs structured, meaningful data for it just to consider an ordinary person. That's where semantic annotation has a strong hold. With it, unstructured information can inherit context and relationships, allowing it to become a valuable commodity, thus enriching the underlying AI models and business processes.

We at GTS.ai focus on top-quality semantic annotation services to assist businesses in making their AI solutions smarter using contextual data. Whether harnessing smart search, improving chatbot answers, or optimizing recommender engines, semantic annotation is central to more precise and high-efficiency AI decisions.

What is semantic annotation?

Semantic annotation is a way of adding meaning to data through metadata. It helps systems understand unstructured data and returns structured, contextual, and connected information. Semantic annotation goes beyond just tagging data points. It links objects according to meaning and defines their context.

Such processes are crucial for several applications: natural language processing (NLP), machine learning, data analytics, AI-driven automation, etc.

The Importance of Semantic Annotation

As enterprises are rushing toward AI-based solutions, there is a surge in the demand for context-aware and precise data; here is why semantic annotation plays a significant role:

Enhancing Performance and Meaning in AI : AI is often contextually ignorant and therefore derives the wrong meaning out of information. Semantic annotation gives the ability for AI to grasp intent, relations, and meanings, thus becoming more intelligent and reliable. Thereby it enhances other AI experiences.

Searching and Finding Information : Semantic annotation used by search engines and knowledge bases will not only use keywords to return results but will also use other factors to ensure that the search results are more contextually relevant.

Personalizing AI Applications : From e-commerce to entertainment, companies use semantic annotation to analyze customer behavior and provide a more individualized recommendation and virtual experience.

Empowering Smarter Business Choices : The analysis of big data using AI will help organizations sift and sort insights from the large sets and therefore make a strategic-informed choice.

Industry Applications of Semantic Annotation

Healthcare & Medical AI : Enrichment of the data of patient records and clinical studies with metadata enables AI to assist in diagnosis and medical research. AI-driven medical chatbots and virtual assistants become not just context-aware but another layer of efficiency in patient interaction.

E-Commerce & Retail : Semantic annotation can be embedded in product descriptions and user reviews so that greater search accuracy and enhanced product recommendation results can be achieved.

Finance & Banking : By virtue of semantic annotation, AI can analyze annual reports, transactions, and trends of finance, to help in fraud detection and risk assessment.

Media & Entertainment : Streaming platforms realistically utilize semantic annotation to classify contents and recommend them based on viewing patterns.

Education & Research : The academic research database is a platform using semantic annotation for quick information retrieval. AI-based learning platforms personalize the educational experience by examining progress and interests of students.

GTS.ai Offerings in the Line of High-Quality Semantic Annotation

At GTS.ai, we offer specialized semantic annotation services catering to various business needs. Our team merges human skills with AI-backed tools to ensure accuracy, scalability, and efficiency for data annotation.

Reasons to Choose GTS.ai

Professional Annotators: Our professionals are well-versed in linguistics, AI training, and data science to ensure quality annotations.

Custom Analytic Solutions: We adjust our annotation methodology as per industry and business needs.

Scalable And Efficient Resources: Our team can manage large-scale annotation projects without compromising accuracy.

AI-Assisted Annotation Tools: We leverage sophisticated annotation platforms, effectively and consistently.

Affordable & Service Integrity: We afford comprehensive annotation solutions at an inexpensive rate, adding value to your AI models.

As AI-driven applications are emerging in various sectors, prioritization for high-end structured data are rightfully being done. Semantic annotation provides assurance that the results of the AI models are accurate, the overall user experience better, and efficiency improved.

At GTS.ai, we help businesses make the transition from raw data to AI intelligence. Our services allow companies to transform their AI solutions for better decision-making and competitive advantage.

Conclusion

Semantic annotation is not just a technical endeavor. It is a strategic investment into AI efficiency and innovation. Be it enhancing an AI model or boosting search accuracy, increasing customer experience personalization, or giving wings to intelligent automation, semantic annotations serve as the bedrock for creating smarter AI.

At GTS.ai, we specialize in highly dependable yet cost-effective semantic annotation services that bequeath extra intelligence and competency unto AI models. By transforming raw data into structured insights, we aid businesses to unleash the capabilities of AI.

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cryptonewsinsights · 11 days ago

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Exploring the Future of Digital Assets: NFT News and Insights from Crypto News Insights Company

In the swiftly evolving worldwide of cryptocurrency, NFTs (Non-Fungible Tokens) have emerged as one of the maximum exciting and revolutionary segments. While cryptocurrencies like Bitcoin and Ethereum are regularly on the leading edge of discussions round blockchain and decentralized finance, NFT News have sparked a revolution in their very own. These unique digital assets, that might represent some issue from art and collectibles to virtual actual property and gaming objects, have reshaped the way people view ownership inside the virtual worldwide.

As the market continues to comply, staying updated with the present day NFT News inclinations and information is vital for everybody worried in the space. This is in which Crypto News Insights Company steps in, supplying actual-time updates, expert evaluation, and in-depth reports on the sector of NFTs. This article takes a deep dive into the NFT location and highlights a number of the maximum latest traits and future opportunities, all even as focusing on how Crypto News Insights Company is contributing to the verbal exchange.

What Are NFT News and Why Do They Matter? NFTs are virtual assets that constitute possession or proof of authenticity of a very precise item the usage of blockchain generation. Unlike cryptocurrencies, which might be interchangeable, NFT News are one-of-a-kind or a part of a confined collection, making them especially valuable within the global of virtual paintings, collectibles, or maybe real-world belongings. Each NFT is stored on a blockchain, making sure its protection, traceability, and transparency.

The rise of NFTs has been not anything brief of explosive, with artists, musicians, sport developers, and creators of a huge variety flocking to this new manner of monetizing their artwork. One of the essential thing appeals of NFT News is the capability for creators to keep a stake in their paintings. Through smart contracts embedded in NFTs, artists can earn royalties each time their paintings is resold, making sure that they hold to benefit from their creations long after the preliminary sale.

The Impact of NFT News on the Art World One of the maximum first rate sectors that NFT News have disrupted is the artwork global. Artists who as quickly as struggled to monetize their virtual artwork have placed a brand new platform for selling their creations. NFTs have unfold out a brand new realm of opportunities for virtual art, with immoderate-profile income making headlines on a normal basis. A prime instance is the sale of Beeple’s “Everydays: The First 5000 Days” for a great $69 million at a Christie's public sale, which firmly cemented the rate of NFTs in the public eye.

Crypto News Insights Company has been carefully following the growth of the NFT artwork market, supplying updates on the modern earnings, tendencies, and rising artists. With a network of sources at some point of the NFT environment, Crypto News Insights ensures that readers are constantly within the loop regarding primary dispositions, together with the launch of latest NFT artwork structures and upcoming digital artwork occasions.

NFTs in Gaming: A New Era of Virtual Assets Another key vicinity wherein NFTs are making waves is the gaming business enterprise. Game developers are more and more integrating NFTs into their systems, allowing gamers to buy, promote, and exchange digital assets that have real-international price. These belongings can variety from in-recreation skins and guns to virtual land and characters. The capability to very personal and trade those gadgets gives game enthusiasts a modern experience of enterprise and manage over their virtual tales.

Crypto News Insights Company has been cautiously tracking the intersection of gaming and NFTs, presenting insights into the trendy gaming structures adopting blockchain generation. The enterprise reviews on new NFT-primarily based absolutely games, most important partnerships among gaming studios and blockchain organizations, and the functionality for NFTs to reshape the future of gaming economies.

The Role of NFTs in Virtual Real Estate Virtual real property is some other booming area in which NFTs are developing new opportunities. Platforms like Decentraland and The Sandbox have added users to the concept of owning and buying and promoting digital land. In the ones digital worlds, customers can assemble and customize houses, growing specific areas for personal use, business enterprise ventures, or leisure functions. NFT generation underpins those digital actual estate transactions, ensuring that ownership is comfortable and verifiable.

For without a doubt anyone seeking to put money into virtual real property or explore this particular marketplace, staying updated with the modern-day NFT information is essential. Crypto News Insights Company regularly functions articles, reviews, and evaluation approximately virtual actual estate trends, the emergence of new metaverse systems, and the effect of NFTs at the digital belongings marketplace.

The Environmental Debate: Sustainability and NFTs While NFTs have garnered widespread hobby, they have moreover faced complaint for his or her environmental effect. The procedure of minting and shopping for and selling NFTs frequently requires huge computational strength, which in turn outcomes in immoderate power consumption. This has raised worries amongst environmentalists and critics who argue that NFTs make a contribution to the carbon footprint of the blockchain industry.

In response, many NFT systems and artists are going for walks to deal with these concerns. Some are migrating to greater power-green blockchain networks, inclusive of these the use of Proof of Stake (PoS) consensus mechanisms, at the same time as others are offsetting their carbon emissions thru sustainability initiatives.

Crypto News Insights Company has been actively overlaying this debate, supplying updates on inexperienced NFT duties, green blockchain answers, and the business enterprise's efforts to grow to be more sustainable.

The Future of NFTs: Trends to Watch As the NFT space continues to develop and mature, there are various key trends to take a look at within the coming years:

Mainstream Adoption: More industries, at the side of fashion, entertainment, and real estate, are expected to include NFTs, organising up new markets for virtual property.

Interoperability: As the NFT surroundings turns into extra interconnected, we might also see extra interoperability among one in all a kind platforms, permitting assets to transport seamlessly in the course of one-of-a-type metaverses and blockchain networks.

NFTs in Web3: With the upward thrust of Web3 technology, NFTs will play an necessary characteristic in decentralized net memories, in which clients have greater control over their facts, content material, and assets.

Integration with AI and AR: NFTs can also be included with rising technologies like artificial intelligence (AI) and augmented reality (AR), supplying even more immersive and interactive virtual reviews.

Conclusion NFTs constitute a paradigm shift in how we consider possession, creativity, and charge in the digital worldwide. As this area continues to conform, organizations like Crypto News Insights Company are playing a important function in supplying properly timed and dependable information, evaluation, and insights. By staying informed about the present day NFT trends, creators, traders, and lovers can better navigate the complex and ever-converting panorama of virtual belongings.

With its complete coverage and deep knowledge of the NFT market, Crypto News Insights Company remains a trusted supply for every person looking to stay beforehand inside the global of NFTs. Whether you are an artist seeking to mint your first NFT or a collector inquisitive about the following huge element, the destiny of NFTs is absolutely bright, and Crypto News Insights is right here to assist guide you every step of the way.

#NFT News

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johnmaxblogs · 12 days ago

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Key Trends in Microsoft Copilot Integration Services You Need to Watch in 2025

The rapid evolution of AI-driven solutions is redefining how businesses operate. Microsoft, at the forefront of this transformation, is enhancing its suite of collaboration and productivity tools with Copilot—an AI-powered assistant designed to streamline tasks and accelerate innovation. As we enter 2025, the impact of Microsoft Copilot Integration Services on everyday workflows is becoming clearer. Below, we explore the key trends poised to shape Copilot’s role in the digital workplace and why you should be paying close attention.

1. Deepening Integration with the Microsoft Ecosystem

One of the standout advantages of Microsoft Copilot is its seamless fit within the broader Microsoft 365 ecosystem. From Outlook and Teams to Power Platform and Azure services, Copilot is increasingly woven into the fabric of your daily tools. In 2025, we can expect even deeper integrations that allow Copilot to:

Automate Data Flows: Simplify data movement between apps like Excel, Power BI, and Dynamics 365.

Enhance Collaboration: Provide real-time insights during Teams meetings, recommending tasks or highlighting pertinent files.

Improve Search and Discovery: Offer context-aware search capabilities within Microsoft 365, reducing time spent looking for documents and data.

By further embedding Copilot into Microsoft’s core offerings, businesses will see faster adoption, smoother workflows, and more unified user experiences.

2. Expansion into Third-Party Platforms

While Microsoft 365 remains the primary home for Copilot, many organizations rely on a hybrid mix of third-party solutions, from CRM software to specialized industry platforms. In response, Microsoft Copilot Integration Services are broadening their scope to support:

Multi-Platform Collaborations: Enabling Copilot to suggest relevant information within Slack, Salesforce, or other popular applications.

API-Driven Customizations: Providing developers with more robust APIs so they can build tailored Copilot plugins or connectors for proprietary systems.

Unified Dashboards: Allowing decision-makers to view Copilot-powered insights across multiple platforms in a single interface.

This trend underscores Microsoft’s commitment to meeting customers where they are, ensuring that AI-driven assistance remains consistent—even outside the Microsoft ecosystem.

3. AI Ethics and Responsible Innovation

AI deployments are under increasing scrutiny for their potential impact on data privacy, workplace bias, and security. As Copilot’s feature set grows, Microsoft is also advancing its guidelines and tools to foster responsible AI use. Key developments include:

Built-In Compliance Checks: Ensuring Copilot adheres to relevant industry standards like GDPR, HIPAA, and other regulations.

Transparent AI Models: Offering clearer explanations of how Copilot arrives at recommendations or decisions.

Bias and Fairness Audits: Regularly assessing AI algorithms to minimize bias in recommendations or content creation.

By focusing on ethical considerations, Microsoft aims to maintain trust and uphold regulatory requirements, making Copilot’s adoption smoother for risk-averse industries like finance, healthcare, and government.

4. Enhanced Natural Language Processing Capabilities

Copilot’s ability to understand and generate text lies at the heart of its value proposition. In 2025, expect noticeable improvements in:

Contextual Understanding: Better grasp of nuances in queries, allowing Copilot to deliver more precise suggestions.

Multi-Lingual Support: Expanded support for languages and dialects, catering to global and diverse workforces.

Conversational Interfaces: More seamless back-and-forth dialogue for tasks like drafting emails, building reports, or creating presentations.

These enhancements will push Copilot from a handy sidekick to a truly proactive assistant that can tackle more complex and domain-specific tasks with ease.

5. Real-Time Collaboration and Workflow Automation

Collaboration goes beyond messaging and file-sharing. It’s about accelerating processes through intelligent automation. That’s where Copilot truly shines in 2025:

Instant Task Recommendations: Copilot tracks real-time changes in documents or project management tools to suggest tasks or next steps.

Automated Notifications: Alerts team members about deadlines or potential bottlenecks, helping everyone stay on track.

Workflow Extensions: With the help of Microsoft Copilot Integration Services, businesses can integrate Copilot into workflow automation platforms like Power Automate, ensuring consistent and repeatable processes.

The result is a more agile workforce where each team member can tap into AI-driven support without switching platforms or requiring advanced technical skills.

6. Advanced Analytics and Predictive Insights

Data is the backbone of modern businesses, and Copilot’s synergy with Microsoft’s analytics tools is continually evolving:

Proactive Analytics: Copilot goes beyond descriptive analytics to predict trends in sales, customer support needs, or operational bottlenecks.

Intelligent Dashboards: Integrated with Power BI, Copilot can highlight anomalies and offer suggestions on how to address them.

Embedded Machine Learning: Advanced ML models enable Copilot to refine its recommendations over time, adapting to the unique context and needs of each organization.

These predictive capabilities empower decision-makers to not only react to current scenarios but also anticipate future challenges and opportunities.

7. Low-Code/No-Code Accessibility

2025 is seeing a surge in low-code/no-code (LCNC) platforms that democratize app creation. Copilot is reinforcing this trend by:

Guided App Building: Offering suggestions and templates for creating custom business applications within Microsoft Power Platform.

Simplified Workflows: Helping users connect data sources and automation steps without deep coding knowledge.

Drag-and-Drop AI Components: Allowing citizen developers to embed Copilot’s AI features in their custom applications quickly.

This puts advanced AI capabilities into the hands of non-technical staff, increasing overall productivity and fostering a culture of innovation across the organization.

Preparing for a Copilot-Powered Future

Investing in Microsoft Copilot Integration Services is increasingly becoming a strategic move rather than a mere tech upgrade. As these eight trends unfold, organizations that adopt and adapt will likely see accelerated efficiency, improved decision-making, and stronger collaboration. To fully leverage Copilot’s potential:

Assess Your Tech Stack: Identify key areas where Copilot can add the most value—be it data analytics, project management, or customer outreach.

Train Your Teams: Ensure employees understand Copilot’s capabilities, ethical use guidelines, and how to effectively integrate AI-driven insights into their workflows.

Stay Agile: As AI evolves, remain open to new features and integrations that Microsoft rolls out. Regularly update your processes to harness the latest Copilot enhancements.

2025 is shaping up to be a defining year for AI in the workplace, with Microsoft Copilot standing as a key player in this transformation. By understanding these emerging trends and proactively integrating Copilot into daily operations, businesses can stay competitive, agile, and ready for whatever the future holds.

#MicrosoftCopilotIntegrationServices

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block3finance · 12 days ago

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Understanding the Role of On and Off Ramp Services in Crypto Tax Compliance

In the rapidly evolving world of cryptocurrency and blockchain, On and Off Ramp Services are critical in ensuring seamless transitions between digital assets and traditional fiat currencies. These services not only facilitate the conversion of crypto to fiat solutions but also hold significant importance in Tax Accounting For Cryptocurrency. At Block3 Finance, we simplify these complexities, empowering individuals and businesses to navigate the intricate web of crypto tax compliance confidently.

The Importance of On and Off-Ramp Services

For businesses and individuals engaging in cryptocurrency transactions, On and Off Ramp Services are indispensable. These services are the gateways to converting cryptocurrencies like Bitcoin or Ethereum into fiat currencies, such as USD, GBP, or EUR, and vice versa.

However, these transactions are not just about conversion. They have direct implications for tax compliance. Every time you use an on-ramp to buy cryptocurrency or an off-ramp to sell it for fiat, these activities are taxable events. Accurate reporting is essential to meet regulatory requirements, and that's where Block3 Finance steps in. Our expertise lies in reconciling these transactions while keeping you compliant with tax laws, so you can focus on thriving in the Web3 economy.

Tax Implications of Crypto to Fiat Solutions

The transition between cryptocurrencies and fiat currencies triggers capital gains or losses, depending on the value at the time of conversion. This is where accurate Tax Accounting For Cryptocurrency becomes vital. Many crypto traders and investors are unaware of the tax obligations that come with these conversions. Improper reporting or neglecting these requirements can lead to penalties or audits.

Block3 Finance has been at the forefront of crypto tax compliance since its inception. With decades of expertise inherited from Tax Partners, we help clients track, reconcile, and report their crypto transactions with precision. Our services include robust record-keeping and meticulous audits to ensure every aspect of your crypto activity aligns with current regulations.

Simplifying Crypto Tax Compliance

As the cryptocurrency ecosystem grows, regulatory frameworks continue to evolve. Governments and tax authorities worldwide are intensifying their focus on crypto transactions, making compliance more challenging.

At Block3 Finance, we understand the unique complexities of cryptocurrency and blockchain taxation. We provide tailored solutions to help you meet compliance requirements effortlessly. Whether you're managing a high volume of transactions or need guidance on structuring your crypto activities, our team ensures that your crypto operations integrate smoothly with traditional fiat banking systems.

Our On and Off Ramp Services also include onboarding and offboarding support, ensuring that your journey between crypto and fiat remains secure and efficient. By partnering with Block3 Finance, you gain access to a team deeply embedded in the crypto ecosystem, ready to navigate the complexities of crypto to fiat solutions and tax compliance on your behalf.

Block3 Finance: Your Partner in Crypto Tax Compliance

Block3 Finance is more than just a service provider. We are your partner in building a sustainable financial strategy within the Web3 economy. From handling Tax Accounting For Cryptocurrency to providing seamless On and Off Ramp Services, we are committed to helping our clients succeed.

Our mission is simple: to understand your business, provide actionable advice, and deliver long-term support through every phase of your crypto journey. Trust Block3 Finance to simplify the complexities of crypto accounting and taxation, allowing you to operate and succeed with confidence.

To learn more about our services, visit Block3 Finance and take the first step toward secure and compliant crypto operations today!

#Tax Accounting For Cryptocurrency #On And Off Ramp Services #Crypto To Fiat Solutions #Block3 Finance #tumblog

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