Increasing – Earlybirds Invest https://earlybirdsinvest.com Latest Crypto News Tue, 26 Aug 2025 12:16:58 +0000 en-US hourly 1 https://wordpress.org/?v=6.9.7 https://i0.wp.com/earlybirdsinvest.com/wp-content/uploads/2024/12/cropped-New-Project-2024-12-17T235703.455.png?fit=32%2C32&ssl=1 Increasing – Earlybirds Invest https://earlybirdsinvest.com 32 32 240146708 2 Dividend Stocks to Consider Increasing Your Position In https://earlybirdsinvest.com/2-dividend-stocks-to-consider-increasing-your-position-in/ https://earlybirdsinvest.com/2-dividend-stocks-to-consider-increasing-your-position-in/#respond Tue, 26 Aug 2025 12:16:58 +0000 https://earlybirdsinvest.com/2-dividend-stocks-to-consider-increasing-your-position-in/ Energy Transfer and Verizon are both reliable income plays.

When interest rates surged in 2022 and 2023, many blue chip dividend stocks slumped as income investors pivoted toward risk-free CDs and Treasuries for higher yields. However, the Federal Reserve cut rates three times in 2024, and many investors expect one or two more rate cuts this year as inflation cools.

As that happens, the 10-Year Treasury’s yield, which currently sits at 4.3%, should decline further and drive more income investors back toward higher-yield dividend stocks. These two stocks should benefit from that rotation: Energy Transfer (ET 0.06%) and Verizon (VZ -0.44%). They both pay high yields, trade at low valuations, and are built to generate stable returns through bull and bear markets.

Plants sprouting from stacks of coins next to a piggy bank.

Image source: Getty Images.

1. Energy Transfer

Energy Transfer, one of the largest midstream companies in America, operates over 135,000 miles of pipeline across 44 states. It provides pipeline, storage, and terminal sizing services for natural gas, natural gas liquids, crude oil, and refined products. It’s a master limited partnership (MLP) that pays distributions, which include a return of capital to its investors, instead of regular dividends, which don’t include a return of capital.

It generates most of its revenue by charging upstream extraction companies and downstream refining companies “tolls” to use its pipelines. That business model is resistant to volatile commodity prices because those companies need those resources to keep flowing through its pipelines. Energy Transfer also acquired several of its industry peers over the past five years, and it’s expanding its smaller business of liquefied natural gas exports to serve more overseas customers.

That stable business model enables it to generate steady profits and pay high distributions. In 2024, it paid $4.39 billion in total distributions, easily covered by its annualized distributable cash flow (DCF) of $8.36 billion. It currently pays a high forward yield of 7.6%.

From 2019 to 2024, its adjusted earnings before interest, taxes, depreciation, and amortization (EBITDA) grew at a compound annual growth rate (CAGR) of 7% — even as the pandemic, inflation, high interest rates, and geopolitical conflicts rattled the markets. From 2024 to 2027, analysts expect its adjusted EBITDA to rise at a CAGR of 5%. That’s a rock-solid growth trajectory for a stock that trades at just eight times this year’s adjusted EBITDA.

2. Verizon

Verizon, one of America’s biggest telecom companies, serves 146.1 million wireless customers. But over the past few years, it struggled to consistently gain new wireless subscribers as its competitors ramped up their aggressive promotions and bundling strategies. The ongoing decline of its business wireline segment exacerbated that pressure.

That’s why Verizon’s stock slumped 25% over the past five years. But after that decline, it looks dirt cheap at 6.5 times this year’s adjusted EBITDA. It also pays a hefty forward yield of 6%, while its low payout ratio of 63% gives it plenty of room for future dividend increases.

Some investors might be reluctant to buy Verizon’s unloved stock, but it has plenty of irons in the fire. It’s expanding its higher-growth broadband business with its Home Internet and FiOS fiber plans, and it expects to add more than 2.2 million new fiber subscribers after it closes its acquisition of Frontier Communications next year.

It also plans to bundle more wireless services with its broadband plans, integrate more AI features into its 5G networks to attract more enterprise customers, and use its own internal AI tools to streamline its customer support and network deployment services. If those efforts pay off, analysts expect Verizon’s adjusted EBITDA to grow at a CAGR of 3% from 2024 to 2027. That stable growth could make it a great safe-haven play for income investors again.

Leo Sun has positions in Energy Transfer and Verizon Communications. The Motley Fool recommends Verizon Communications. The Motley Fool has a disclosure policy.

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The Future of USDT and USDC Amid Increasing Regulatory Pressure https://earlybirdsinvest.com/the-future-of-usdt-and-usdc-amid-increasing-regulatory-pressure/ https://earlybirdsinvest.com/the-future-of-usdt-and-usdc-amid-increasing-regulatory-pressure/#respond Thu, 14 Aug 2025 11:56:06 +0000 https://earlybirdsinvest.com/the-future-of-usdt-and-usdc-amid-increasing-regulatory-pressure/

The digital currency realm has been evolving at a rapid pace today. Some of the top digital currencies that exist today are Tether (USDT) and USD Coin (USDC). These cryptocurrencies have widened the realm of digital finance. Gradually, individuals and institutions are accepting these digital currencies, further contributing to their popularity. The market capitalization of USDT reached USD 104.1 billion in March 2025, highlighting its solid position in the market.  

Currently, the regulatory landscape relating to digital currencies is undergoing a dynamic change. As such, digital currencies hold immense potential at present; you need to understand how the regulatory setting may shape their future trajectory.  You must explore how regulatory developments may influence the future of USDT and USDC.

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An Insight into USDT

USDT Before looking at USDT and USDC stablecoin regulation, it is essential to know about these digital currencies in detail. USDT or Tether is a cryptocurrency that has been pegged to the U.S. dollar to maintain stability. Thus, it is a stablecoin whose value remains consistent, unlike other types of cryptocurrencies that have high volatility.

The digital currency came into existence in 2014. Since then, it has been driving the future of money through digitalization. By leveraging the blockchain space, USDT has successfully established itself as a top digital token that is built on diverse blockchains. Its high degree of transparency has significantly contributed to its widespread adoption in recent times. 

An Insight into USDC

USDC USDC is known as the largest regulated digital dollar that exists in the world. It came into existence in the year 2018. As it is entirely backed by real cash as well as cash equivalents, it offers high security to users.  The digital currency has shown immense promise for individuals and businesses. By using these digital currencies, it is possible to make seamless financial transactions in a secure manner. 

In the current times, USDC serves as the perfect example that shows the unification of digital innovation and conventional financial stability. By leveraging blockchain technology, DeFi applications, and digital wallets, it is possible for users to use USDC.

Now you may be wondering – Which is better, USDC or USDT? The answer to the question depends on individual preference. If you wish to use a widely adopted stablecoin, USDT is a better option. On the other hand, if you wish to choose a more-regulated digital currency, USDC is an ideal choice. Thus, while answering the question – Which is better, USDC or USDT? You need to focus on your exact needs.

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Impact of regulations on USDT and USDC

As there is a rise in the adoption of USDT and USDC, high emphasis is being laid on the regulatory aspects. Due to a surge in regulatory pressure, the future of USDC as well as USDT may undergo major changes. Some of the key effects of regulatory developments on these digital currencies include:

  • Higher transparency in USDT 

An increase in regulatory pressure may further increase transparency in Tether. More detailed information may be released so that users can be aware of risky assets. Thus, users who may be wondering about USDT vs USDC, which is safer, can find an answer.

  • Expansion of USDT at the global level 

The increase in regulations can positively impact the trust of the general public in USDT. People who may have questions about USDT vs USDC, which is safer, can feel encouraged to use USDT in addition to USDC. As a result, its adoption may reach new heights all across the globe.

  • Regulatory investigations for Tether 

In the past, Tether has been fined for the misrepresentation of its reserves. Due to the rise in regulatory pressure, more investigations may be carried out, which may compromise its reputation in the global market. 

  • Regulatory alignment for USDC 

The future of USDC may be positively influenced due to better alignment with the regulations. Since the digital currency already adheres to regulations and policies, regulatory pressure may further strengthen its compliance.

  • Higher institutional adoption 

The solid regulation of USDC has the potential to encourage institutions to adopt the specific digital currency. The implementation of well-defined regulations may encourage businesses and entities to shift towards digital currencies and show their commitment to digital transformation. Furthermore, it can also give rise to new opportunities by integrating these stablecoins into digital apps, fintech products, and many more.   

  • Concerns relating to freezing 

The need to comply with tight regulations may automatically give rise to freezing concerns.  In the future, USDC may be able to freeze the wallets of users. As a result, they may face decentralization-related concerns that may adversely affect their overall experience. 

Thus, heightened regulatory pressure has the potential to give rise to both positive and negative impacts on USDT and USDC. In order to understand the exact impact, it is imperative to understand USDT vs USDC. By understanding the major differences between these digital currencies, you can identify how regulatory elements may have diverse effects on them. 

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Understanding USDT vs USDC

In order to explore how regulations and legislation may impact the future of USDT and USDC, it is a must to understand how these currencies differ. The basic differences between these cryptocurrencies have been captured below:

The USDC currency is well-known for its feature relating to high transparency. Regulatory compliance ensures that no information remains hidden from users. The transparency of USDT is not adequate. It has faced investigations in the past due to reserve disclosure concerns.

Although both these stablecoins are widely used, USDC is preferred by institutions. This is mainly because of regulatory compliance. Thus, USDC stablecoin regulation certainly works in its favor and contributes to acceptance at institutional levels. As USDT is not regulated, it sometimes deters institutions from using these cryptocurrencies.

USDT is highly popular owing to its high liquidity. Moreover, users can use it for a diverse range of trading options depending on their needs. On the other hand, USDC has a solid reputation for its reserve management. The fact that it adheres to appropriate rules increases the trust level for users.  

The table captures the chief differences between the digital formats in a comprehensible manner.

Features USDC USDT
Transparency High Low
Institutional adoption Higher adoption Lower adoption
Application Reserve management, Adherence with rules High liquidity and trading options

Final Words

The mounting regulatory pressure is most likely to redefine the future of USDT and USDC. Both positive and negative effects may arise due to developments in the regulatory landscape. Some of the major impacts that have been identified in relation to USDT include higher transparency, expansion of USDT at the global level, and heightened regulatory investigations.

Regulatory pressure may also shape the future of USDC by contributing to better regulatory alignment and higher institutional adoption. However, concerns relating to freezing may also arise for users. As the impact of regulatory pressure may be diverse for USDT and USDC, it is essential to keep a tab on the latest regulatory developments. The insight can certainly enable individuals as well as institutions to gain a better insight into the future trajectory of USDC and USDT. Learn about Stablecoin fundamentals to build a strong foundation and stay ahead of ongoing changes in the crypto ecosystem.

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*Disclaimer: The article should not be taken as, and is not intended to provide any investment advice. Claims made in this article do not constitute investment advice and should not be taken as such. 101 Blockchains shall not be responsible for any loss sustained by any person who relies on this article. Do your own research!

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Why are countries like Spain and South Korea increasing their foreign aid budgets? https://earlybirdsinvest.com/why-are-countries-like-spain-and-south-korea-increasing-their-foreign-aid-budgets/ https://earlybirdsinvest.com/why-are-countries-like-spain-and-south-korea-increasing-their-foreign-aid-budgets/#respond Sun, 03 Aug 2025 11:12:14 +0000 https://earlybirdsinvest.com/why-are-countries-like-spain-and-south-korea-increasing-their-foreign-aid-budgets/

If the world has had enough of helping others, then somebody forgot to tell Spain.

Yes, Spain. The same country that, a little more than a decade ago, desperately accepted billions in bailout money from its European neighbors to keep its economy afloat. That Spain is now doing something almost unthinkable. It’s ramping up aid spending just as the United States notoriously retreats. And in the process, Spain is trying to remind the world why we give back in the first place.

The US Agency for International Development (USAID) — the world’s largest humanitarian aid donor by far, whose work in recent years saved upward of a million lives per year — was officially dismantled earlier this month. Its scattered remains were subsumed by the State Department and its empty headquarters given to the FBI. But America isn’t the only one putting itself first these days. The UK, France, Belgium, and Germany all slashed their development budgets this year thanks to a wave of right-wing populism painting foreign aid as an unnecessary expense against the national interest.

The crisis is steep. The pot of money going to global development is set to shrink by 17 percent, or $35 billion, in 2025, on top of a $21 billion drop the year before, according to the Organization for Economic Cooperation and Development. That’s a $56 billion funding vacuum where global aid for mosquito nets, vaccine research, and food assistance used to be. And the declines are likely to become even steeper in the years ahead, as cuts in the US take full effect.

But while President Donald Trump was gutting USAID, Spain made moves to rebuild its aid agency and committed to more than doubling its aid budget by 2030. Nor is it alone: Ireland, South Korea, and Italy also all made recent pledges to boost their foreign aid budgets.

It’s far from enough to fill the foreign aid gap, however. And while the pain will fall primarily on impoverished recipient countries, foreign aid doesn’t just help the countries that receive it. It helps everyone.

Diseases and conflict don’t recognize legal borders and aid helps keep these deadly problems at bay. Every $100 million spent on preventing tuberculosis, HIV, and malaria helps prevent about 2.2 million new infections total. And global cuts are already expected to exacerbate the spread of diseases; former USAID officials anticipate cuts from the US alone could cause 28,000 new cases of infectious diseases like Ebola and Marburg each year. “Even if you’re in this isolationist mindset, you can’t actually isolate yourself from the rest of the world,” said Rachael Calleja, a research fellow at the Center for Global Development.

The fact that some countries have managed to fight the impulse to isolate — convincing their citizens that problems abroad are interconnected with our problems at home — could help reshape the future of aid for the better. Their decisions point to the possibility of a new future for foreign aid that could be more collaborative and less paternalistic than before.

Aid has long been dominated by a small club of wealthy nations — chief among them the United States, Germany, and the United Kingdom — that give the most, and in doing so, set the tone for how to help the rest of the world. Too often these well-intentioned solutions perpetuated the same exploitative power dynamics that made poor countries poor and one-time colonial powers like Spain and Italy rich in the first place. Western aid often comes with strings attached, like forcing Mali to privatize its cotton industry or requiring that funds be spent on consultants and supplies from the donor country — even though such policies have been shown to make aid less effective and much more expensive.

Ready or not, the old club’s grip on global influence is now breaking down.

”Nobody who works in development sat around saying, ‘The system is great. We’re awesome. Let’s just spend more money to do more of the same,’” said Dean Karlan, who was, until recently, the chief economist at USAID. “There is a blank slate. Let’s put in place a better system.”

Why are some countries bucking the trend?

Spain, Ireland, Italy, and South Korea are all increasing aid — but most have a lot of room for growth.

The United Nations set a lofty goal in the 1970s for wealthy countries to give away 0.7 percent of their gross national income (GNI) as development assistance. Half a century later, almost none do.

That includes this year’s overachievers. Ireland spent 0.57 percent of its GNI — $2.47 billion — on development aid last year. Spain spent 0.25 percent or $4.35 billion, and Italy, 0.28 percent or $6.67 billion. South Korea spent 0.21 percent or $3.94 billion.

It’s not a lot, especially compared to the $63.3 billion the US spent in 2024, although that only added up to 0.22 percent of its GNI. But these countries are moving forward at a time when everyone else seems to be moving backward. According to the global development consultancy SEEK Development’s donor tracker, the US is now projected to spend just 0.13 percent of its GNI on overseas aid this year.

There is a growing recognition that someone has to fill the gaps left by the US, but everybody balks at the price tag, Arturo Angulo Urarte, a Madrid-based development expert, said in Spanish. “It’s like, ‘Yes, but gosh, and how much does that mean? Oh, it means money? Well, then no.’”

Spain’s aid increase, however, has been a long time coming. Spanish activists launched a kind of Occupy Wall Street in favor of overseas aid back in the 1990s. A group of global development workers and grassroots activists staged hunger strikes and protest encampments, chaining themselves to government buildings to demand that Spain give at least 0.7 percent of its GNI to aid. At the time, Spain was giving around 0.24 percent of its GNI to aid, but the protests helped propel the country to double its commitment to a high of nearly 0.5 percent in 2008.

Then the 2008 economic turmoil left Spain once again with a wisp of an foreign aid budget. By the time its economy crawled closer to pre-crisis levels in 2015, its development spending had cratered to 0.12 percent of GNI.

But the idea of Spain becoming a bigger player in global development never really left the public consciousness, remaining broadly popular even during the country’s worst financial straits. In 2023 the country passed a law promising to rebuild its aid agency and bump up spending to 0.7 percent of GNI by 2030 — effectively tripling its current rate.

Spain has since increased its aid budget to about 0.25 percent of its GNI, or $4.4 billion last year — roughly $490 million more than it spent the year prior at 0.24 percent of its GNI — and says it will continue to give more in the year ahead. That’s more money for climate resilience projects in Morocco and Algeria, LGBTQ rights in Paraguay, and HPV vaccine campaigns across Latin America and the Caribbean.

A mother living with HIV since 2017 visits Kuoyo Sub-county Hospital with her child to collect their medications, on April 24, 2025 in Kisumu, Kenya.

A mother living with HIV since 2017 visits Kuoyo Sub-county Hospital with her child to collect their medications, on April 24, 2025 in Kisumu, Kenya.
Michel Lunanga/Getty Images

The dismantling of USAID has destroyed longstanding and hard-won infrastructure for implementing aid programs, especially in critical areas like HIV prevention. There’s little that anyone can do to bring that infrastructure back, but countries like Spain, Ireland, or South Korea have been able to uplift and increase funding to the initiatives most affected by the cuts, like Gavi, the international vaccine alliance, and the Global Fund to Fight AIDS, Tuberculosis and Malaria.

Ireland also aims to increase its aid spending to 0.7 percent of GNI by 2030. It inched closer to that goal this year by boosting its development budget by about $40 million to $925 million. “We wouldn’t expect Ireland to be able to fill the USAID gap in any shape or form,” Jane-Ann McKenna, who heads Dóchas, an umbrella group for Irish development organizations, said. “But that’s where our positioning and our voice becomes more important.”

That said, foreign aid has always been about more than just charity. It’s a geopolitical tool that countries have used for decades to win friends and influence people.

It’s no coincidence that, according to a 2006 study, US aid increased about 59 percent to nations when they temporarily joined the UN Security Council. The birth of PEPFAR — the HIV/AIDS program that saves around a million lives per year, which makes it perhaps America’s most effective ever form of foreign aid — helped boost public opinion of the US across sub-Saharan Africa. Much of Italy’s recent aid budget has gone to its $6 billion Mattei Plan in Africa, which aims to collaboratively influence the continent’s energy development and migration flows, but which some critics contend recreates old colonial patterns by relying too heavily on European priorities — not local expertise — to decide where the money ought to go and how its vision should take shape.

But if you take countries like Ireland and Spain at their word, their approach to foreign aid is not just about soft power anymore. These countries also have something in common that can differentiate them from other larger donors: recent histories of underdevelopment. Some of the newcomers might have been aid recipients rather than donors just a few decades ago.

South Korea received billions in foreign aid in the decades after the Korean War, which helped it grow to the point where it became the first former recipient to join OECD’s forum for major aid providers in 2010. Spain’s wealthier neighbors offered the country major financial support when it began integrating with Europe in the 1980s in the aftermath of the Franco dictatorship.

That dynamic can make it easier, Calleja says, to empathize with others who need aid today. (Though let’s not forget that Spain once colonized much of Latin America and the Caribbean — places that now receive the bulk of Spanish foreign aid — and therefore laid the groundwork for many patterns of exploitation and inequality there that its aid now seeks to resolve.)

Ireland was never a colonizer, but was once colonized itself by Britain. That legacy, McKenna said, means that many Irish people are passionate about human rights abroad and highly supportive of overseas aid.

“We have the history of the famine and we’ve had conflict on the island and we’ve had to engage in a whole peace process ourselves,” McKenna explained. “That’s there in the background of all of our psyches.”

As these smaller players like to say, it’s about “solidarity.” Spain’s own development agency’s four-year plan mentions the word solidarity 84 times. It explicitly calls for a move away from the old model, where wealthy nations dictated terms to grateful recipients, and toward a more equitable and collaborative model built on shared priorities and mutual respect.

Of course, not everybody is buying it.

Henry Morales is an economist and director of the Movimiento Tzuk Kim-Pop, a Guatemalan human rights group. He let out a little laugh when I asked him about Spain’s solidarity plan. After all, he’s seen foreign funders renege on their promises before.

He’s seen European powers pledge numerous times to do more to promote climate resilience in low-income countries before watching them give up when the politics become too difficult. Spain’s plan for development stresses that it aims to approach its funding priorities — like combating climate change and promoting gender equality — from a place of consistency and genuine partnership, the kind that can’t be abandoned on a whim when a new government takes power.

Whether Spain’s plan represents a form of global reparations or just colonialism with better PR remains to be seen, he said, but regardless, the old top-down model is clearly cracking.

Countries who receive aid now want “a voice and a vote, so that the decisions are no longer made by a private club of the big donors, the big traditional financiers,” he said. “But by debates and global agreements that are much more transparent and much more democratic.”

Fifty countries in the Global South now have their own agencies to exchange ideas, technical advice, and reciprocal funds for solving poverty, fighting climate change, and improving education.

Ensuring that recipients have a big say in how aid gets around is not only good for building a better, more democratic system — it can also make it much more efficient. According to Vox’s previous reporting in 2022, aid programs tend to work better when people from the countries they’re targeting play a big role in directing how and where the money’s used. Morales thinks that kind of collaboration is the real future of aid, which he prefers to see not as charity but as “simply the fair distribution of wealth.”

He’s not the only one who thinks so. The director-general of the World Trade Organization, Ngozi Okonjo-Iweala, called foreign aid “a thing of the past” at a meeting with African leaders in February.

For his part, Karlan, the former USAID economist, doesn’t think USAID will ever come back as the acronym or institution it once was, and although that’s mostly a very bad thing, he sees a flicker of opportunity.

Still, he isn’t sure if he believes that a real change to the aid paradigm is afoot. “Solidarity strikes me as a little bit of a softer way of saying soft power,” he mused, even if countries like Spain or Ireland aren’t necessarily “looking for flyover rights for the military.”

What he is sure of is that the US is moving in a very different direction. If Spain’s soft power is softening, then the United States’ is calcifying into something more toxic, more transactional, and — as Karlan likes to add — less efficient than before.

“Imagine a marriage in which you never did something considerate for your partner just because you cared about them,” he said. Instead, everything is a negotiation. “That isn’t a healthy relationship. What we’re risking is losing these long-term relationships, those long-term friendships.”

By the time the US is ready to reopen the door on them, it may find a world that has already moved on.

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Here’s What the Super Rich Are Increasing Their Investments In, According to BlackRock: Report https://earlybirdsinvest.com/heres-what-the-super-rich-are-increasing-their-investments-in-according-to-blackrock-report/ https://earlybirdsinvest.com/heres-what-the-super-rich-are-increasing-their-investments-in-according-to-blackrock-report/#respond Tue, 17 Jun 2025 18:06:17 +0000 https://earlybirdsinvest.com/heres-what-the-super-rich-are-increasing-their-investments-in-according-to-blackrock-report/

Family offices are reportedly investing a lot more in a certain type of alternative investment amid global uncertainty, according to the biggest asset manager in the world.

Private credit is emerging as a top alternative asset for family offices, according to a new survey by BlackRock, reports Bloomberg.

Of the 175 family offices around the world that were surveyed, more than half have a bullish outlook on private credit and nearly one-third say they are planning to increase allocations to the asset class this year.

Says Armando Senra, head of the Americas institutional business at BlackRock,

“They are diversifying their exposure within private markets. While allocations used to be primarily into private equity growth, now what you see is high interest in private credit, the beginning of interest in infrastructure.”

The survey also finds that 30% of respondents plan to commit more of their money to the infrastructure market.

Lili Forouraghi, BlackRock’s head of family offices, health care, endowments, foundations and official institutions in the US, says the super-rich are increasingly interested in the potential of private credit to generate a higher yield than public bond markets.

She also says that infrastructure investments related to decarbonization and “the whole buzz of AI plus data centers, those are the areas that have intrigued a lot of our clients.”

The survey finds that, on average, alternative investment comprises 42% of assets in family office portfolios, up from 39% in a prior 2022-2023 survey, and that private credit holdings make up anywhere from 15% to 30% of some family offices’ portfolios.

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Is violent crime increasing or decreasing in the US https://earlybirdsinvest.com/is-violent-crime-increasing-or-decreasing-in-the-us/ https://earlybirdsinvest.com/is-violent-crime-increasing-or-decreasing-in-the-us/#respond Sun, 25 May 2025 09:44:13 +0000 https://earlybirdsinvest.com/is-violent-crime-increasing-or-decreasing-in-the-us/

The astounding drop in violent crime that began in the 1990s and extended through the mid-2010s is one of the most important — and most underappreciated — good news stories of recent memory. That made its reversal during the pandemic so worrying.

In the first full year of the pandemic, the FBI tallied 22,134 murders nationwide, up from 16,669 in 2019 — an increase of roughly 34 percent, the sharpest one-year rise in modern crime record-keeping. In 2021, Philadelphia alone recorded a record 562 homicides, while Baltimore experienced a near-record 337 murders. Between 2019 and 2020, the average number of weekly emergency department visits for gunshots increased by 37 percent, and largely stayed high through the following year.

By the 2024 election, for the first time in awhile, violent crime was a major political issue in the US. A Pew survey that year found that 58 percent of Americans believed crime should be a top priority for the president and Congress, up from 47 percent in 2021.

And yet even as the presidential campaign was unfolding, the violent crime spike of the pandemic had already subsided — and crime rates have kept dropping. The FBI’s 2023 crime report found that murder was down nearly 12 percent year over year, and in 2024 it kept falling to roughly 16,700 murders, on par with pre-pandemic levels. The early numbers for 2025 are so promising that Jeff Asher, one of the best independent analysts on crime, recently asked in a piece whether this year could have the lowest murder rate in US history.

All of which raises two questions: What’s driving a decrease in crime every bit as sharp as the pandemic-era increase? And why do so many of us find it so hard to believe?

We shouldn’t jump to conclusions about this year’s crime rates based on the early data, especially since we’re just now beginning the summer, when violent crime almost always rises. Crime data in the US is also patchy and slow — I can tell you how many soybeans the US raised in March, but I can’t tell you how many people have been murdered in the US this year.

But what we can tell looks very good. The Real-Time Crime Index, an academic project that collects crime data from more than 380 police agencies covering nearly 100 million people, estimates there were 1,488 murders in the US this year through March, compared to an estimated 1,899 over the same months last year. That’s a decrease of nearly 22 percent. Violent crime overall is down by about 11 percent. Motor vehicle theft, which became an epidemic during the pandemic, is down by over 26 percent.

Peer down to the local level, and the picture just keeps getting better. In Baltimore, which The Wire made synonymous with violent, drug-related crime, homicides fell to 199 last year, its best showing in over a decade. As of early May, the city had 45 murders, down another third from the same period last year. City emergency rooms that were once full of gunshot victims have gone quiet.

How much lower could it go nationally? The record low homicide rate, at least since national records started being kept in 1960, is 4.45 per 100,000 in 2014. So far this year, according to Asher, murder is down in 25 of the 30 cities that reported the most murders in 2023. Asher argues that if the numbers hold, “a 10 percent or more decline in murder nationally in 2025 would roughly tie 2014 for the lowest murder rate ever recorded.”

What’s behind the drop?

In short: The pandemic led to a huge increase in violent crime, and as the pandemic waned, so did the wave.

The closure of schools during the pandemic, especially in already higher-crime cities in the Northeast, meant far more young men — who are statistically more likely to be either perpetrators of violent crime or victims of it — on the streets. The closure of social services left fewer resources for them to draw on; and the sheer stress of a once-in-a-lifetime health catastrophe set everyone on edge. The murder of George Floyd in spring 2020 led to a collapse in community trust in policing, which in turn seemed to lead to less aggressive policing altogether. As the pandemic eased, though, those buffers came back, providing a natural brake on violent crime.

But the government, from the national level down to cities, also took direct actions to stem the flood of violence. The White House under President Joe Biden poured hundreds of millions of dollars into community violence interruption programs, which aim to break the cycle of retribution that can lead to homicide. Baltimore’s Group Violence Reduction Strategy has brought together community groups and law enforcement to deter the people considered most likely to get involved in gun violence. And the erosion in police forces nationwide that occurred during the pandemic has largely stopped.

The situation is far from perfect. Even though Floyd’s murder triggered a nationwide reckoning around police violence, recent data shows that police killings kept increasing, in part because fear of crime often stopped momentum around reforms. Here in New York, even as overall crime on the subways has fallen to historical lows, felony assaults on the trains have kept rising, fueling fears of lawlessness.

Why can’t we believe it?

As Memorial Day weekend marks the start of summer, the next few months will tell whether the pandemic was truly just a blip in the long-term reduction in violent crime. But what we can say is most people don’t seem to notice the positive trends. An October 2024 poll by Gallup found that 64 percent of Americans believed there was more crime nationwide than the year before, even though by that time in 2024, the post-pandemic crime drop was well under way.

But such results aren’t surprising. One of the most reliable results in polling is that if you ask Americans whether crime is rising, they’ll say yes. Astonishingly, in 23 of 27 national surveys done by Gallup since 1993, Americans reported that they thought crime nationwide was rising — even though most of those surveys were done during the long crime decline.

Crime is one of the best examples we have of bad news bias. By definition, a murder is an outlier event that grabs our attention, inevitably leading the nightly local news. Sometimes, as during the pandemic, that bias can match reality. But if we fail to adjust to what is actually happening around us — not just what we think is happening — it won’t just make us think our cities are more dangerous than they really are. It’ll sap energy for the reforms that can really make a difference.

A version of this story originally appeared in the Good News newsletter. Sign up here!

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UBS reveals wealthy investors increasing crypto allocations to 5%, echoing Bitwise https://earlybirdsinvest.com/ubs-reveals-wealthy-investors-increasing-crypto-allocations-to-5-echoing-bitwise/ https://earlybirdsinvest.com/ubs-reveals-wealthy-investors-increasing-crypto-allocations-to-5-echoing-bitwise/#respond Thu, 15 May 2025 18:54:03 +0000 https://earlybirdsinvest.com/ubs-reveals-wealthy-investors-increasing-crypto-allocations-to-5-echoing-bitwise/

Swiss lender UBS, which manages over $1 trillion in assets, said wealthy clients have begun allocating up to 5% of their portfolios to crypto as a way to hedge against inflation and currency volatility.

According to the Swiss bank’s 2025 Global Investment Returns Yearbook, affluent investors are diversifying beyond traditional assets by investing in Bitcoin (BTC) and alternative cryptocurrencies.

Shifting portfolio strategies

The report highlighted how crypto has evolved from a fringe asset into a recognized component of modern portfolio construction, particularly as long-term concerns mount around the US dollar and other fiat currencies.

The 2025 Yearbook noted that traditional diversification models, once reliant on real estate, commodities, and global equities, are being rethought in response to structural inflation and increased systemic risk.

Digital assets are gaining attention for their low correlation to legacy markets and their potential to act as buffers against macroeconomic shocks.

The analysis echoes comments made by Bitwise CIO Matt Hougan, who recently highlighted that institutional and high-net-worth investors increasingly view crypto as a macro hedge. Hougan similarly said that these investors are starting to increase their allocations to crypto from 1% to up to 5%.

Generational split

UBS data shows a clear generational divide in how clients approach crypto. Younger investors, primarily those under 50, are significantly more likely to incorporate digital assets into their core holdings.

Many view cryptocurrencies not just as a hedge, but as a bet on the future of financial infrastructure, driven by advancements in blockchain, tokenization, and decentralized applications.

These investors are also more comfortable with volatility and more receptive to emerging technology sectors. For them, crypto fits naturally alongside venture capital and tech exposure in portfolios designed for long-term growth.

In contrast, older clients tend to approach crypto with greater caution, often limiting exposure to small, controlled allocations through regulated products or tokenized versions of traditional financial instruments.

For these investors, crypto serves a complementary role, similar to gold, insurance against systemic tail risks, rather than a primary growth engine.

Mentioned in this article
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Truth Social memecoin rumors denied by Trump Jr despite the First Family increasing crypto expansion https://earlybirdsinvest.com/truth-social-memecoin-rumors-denied-by-trump-jr-despite-the-first-family-increasing-crypto-expansion/ https://earlybirdsinvest.com/truth-social-memecoin-rumors-denied-by-trump-jr-despite-the-first-family-increasing-crypto-expansion/#respond Tue, 13 May 2025 09:57:26 +0000 https://earlybirdsinvest.com/truth-social-memecoin-rumors-denied-by-trump-jr-despite-the-first-family-increasing-crypto-expansion/

Truth Social, the social media platform backed by US President Donald Trump, has no plan to launch a memecoin.

On May 13, Donald Trump Jr., the US President’s son, dismissed the claims outright, stating:

“There’s no truth whatsoever about Truth Social launching a memecoin. Don’t be fooled by false information people are circulating.”

World Liberty Financial (WLFI), a DeFi project backed by the Trump family, issued a similar statement that echoed Trump Jr.’s view. The group made it clear that no new Trump-related crypto venture was in the works.

It stated:

“Don’t be fooled. There is no new Trump crypto project. WLFI is the only DeFi project backed by the Trumps. Anyone else pushing fake tokens is just a scammer trying to take advantage of people who don’t know better.”

These comments responded to rumors from the popular crypto influencer Ran Neuner, who suggested on X that a Truth Social memecoin was looming.

According to Neuner:

Truth Social Memecoin launching in next 72 hours. Seems like similar gang to TRUMP team.”

However, the Trump family’s clarification has cleared up the misinformation that had been gaining traction on social media.

Trump’s expanding crypto footprint

Although a Truth Social memecoin appears off the table, the rumors reflect growing interest from the Trump circle in crypto.

Last month, Trump Media and Technology Group (TMTG), the parent firm behind Truth Social, revealed that it was exploring broader crypto integrations.

The firm’s CEO, Devin Nunes, highlighted plans for a ‘native utility token’ and digital wallet for its video streaming platform, Truth+. That token may be used for subscriptions and extended to other platform services.

[Editor’s Note: The definition of a memecoin is worth considering here, as the TRUMP token, which is viewed within this classification, has utility in that holders are able to meet with the President of the United States. Factually, purchasing enough of the token has the utility of giving you direct access to the President.

The Truth+ token is set to have utility within the ‘Truth ecosystem’ for payments but could also function similarly to a memecoin in terms of momentum-based price increases due to Donald Trump’s fan base. Thus, whether the token discussed by Nunes is now off the table too remains unclear.]

TMTG has also partnered with Crypto.com and Yorkville America to develop a new line of exchange-traded funds. These will feature a mix of traditional assets and crypto, including Bitcoin and Cronos (CRO), as the firm deepens its stake in digital finance.

These planned ventures reveal how Trump’s ties to the crypto industry have continued to grow during the past year.

Once a Bitcoin skeptic, Trump has evolved into a vocal supporter of digital assets, with several crypto ventures and moves to his name. He became the first US presidential candidate to accept Bitcoin donations during his latest presidential campaign.

His involvement has gone beyond campaign finance. Trump has released several NFT collections and backed WLFI as a decentralized finance initiative.

Since returning to office, he has appointed several pro-crypto figures to key government roles, including SEC Chair Paul Atkins and Howard Lutnick as the Secretary of Commerce.

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Mara reports $214 million in first quarter revenues, increasing Bitcoin Holding to 47,531 BTC https://earlybirdsinvest.com/mara-reports-214-million-in-first-quarter-revenues-increasing-bitcoin-holding-to-47531-btc/ https://earlybirdsinvest.com/mara-reports-214-million-in-first-quarter-revenues-increasing-bitcoin-holding-to-47531-btc/#respond Fri, 09 May 2025 02:36:50 +0000 https://earlybirdsinvest.com/mara-reports-214-million-in-first-quarter-revenues-increasing-bitcoin-holding-to-47531-btc/

Mara Holdings, Inc. (NASDAQ: MARA) reported revenue for the first quarter of 2025 and announced revenue of $213.9 million (an increase of 30% from the first quarter of 2024).

“Revenue for the first quarter of 2025 increased 30% to $213.9 million from $165.2 million in the first quarter of 2025,” the company shared in a letter from its shareholders. Mara’s Bitcoin Holdings increased 174% year-on-year to 47,531 BTC from 17,320 BTC, representing approximately $3.9 billion as of March 31, 2025.

Despite the increase in revenue, Mara posted a net loss of $533.4 million. This is mainly due to the fair value of Bitcoin ending at $82,534, resulting in a loss of $510 million in fair value of Bitcoin. “We were aware of our first quarter losses, but this means that our current Bitcoin price is around $100,000.

Mara mined 2,286 BTC and bought another 340 in the first quarter. Its energyized hash rate almost doubled to 54.3 EH/s from 27.8 EH/s in the first quarter of 2024, but the cost per petahash per day has improved to 25% to $28.5.

The company is driving two strategic priorities. “(1) to grow strategically by shifting models towards lower cost energy with more efficient capital deployments, and (2) to market a complete solution for data centers and edge inference, including energy management, load balancing and advanced cooling.”

Here are the highlights of the quarter:

  • The acquisition of a 114 MW wind farm in Texas has a low fixed energy cost (~$10/mwh).
  • The deployment of gas-to-gas operations in North Dakota and Texas reduces emissions equivalent to 14,200 gas-powered vehicles.
  • The Ohio Data Center will be expanded to include 50 MW and 12,000 new miners.
  • Continuing development of our own immersion cooling system (2 picks) and next-generation ASICs through investment from Chipmaker Auradine.

Mara will hold a webcast and revenue call on May 8, 2025 at 5pm. Shareholders can register via this link.

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Staking Crypto is the Low-Risk, High-Return Crypto Investment! Why Are European and American Institutions Increasing Their Staking? https://earlybirdsinvest.com/staking-crypto-is-the-low-risk-high-return-crypto-investment-why-are-european-and-american-institutions-increasing-their-staking/ https://earlybirdsinvest.com/staking-crypto-is-the-low-risk-high-return-crypto-investment-why-are-european-and-american-institutions-increasing-their-staking/#respond Sun, 09 Mar 2025 23:28:30 +0000 https://earlybirdsinvest.com/staking-crypto-is-the-low-risk-high-return-crypto-investment-why-are-european-and-american-institutions-increasing-their-staking/

Currently, the cryptocurrency market feels like it’s stuck in a sluggish limbo. Prices wobble, trading volumes stutter and investors are left wondering how to get value out of their digital assets in a more unpredictable crypto world. But amidst all this uncertainty, a quiet revolution is happening. European and American institutions like banks, hedge funds, and even pension schemes are doubling down on staking crypto, a strategy that’s proving to be low-risk, high-return. Why? Because crypto staking rewards offer a steady stream of passive income, turning idle assets into profit machines without the rollercoaster of active trading. Crypto staking platforms like UNITED STAKING are leading the charge and catching the attention of institutional players and everyday investors alike. Let’s dive into why staking crypto is the preferred move and how UNITED STAKING is driving this trend.

Maximize Your Earnings with UNITED STAKING

The figures below show the power of crypto staking rewards—daily payouts that compound over time plus referral bonuses that add to your initial amount. A $100 trial earns you a dollar a day, and a $200,000 Polkadot stake can earn you over $800,000. Add the 5% referral commission and you have a system that rewards both participation and promotion.

Staking Plan Investment Duration Daily Earnings Referral Rewards Total Earnings

Staking Plan

Investment

Duration

Daily Earnings

Referral Rewards

Total Earnings

Stake Free Trial

$100

1 day

$1.00

$0.00

$1.00

Stake Cosmos

$300

2 days

$3.81

$0.00

$7.62

Stake BNB

$700

7 days

$7.00

$3.50

$49.00

Stake Sui

$2,000

10 days

$24.00

$14.00

$240.00

Stake Ethereum

$100,000

58 days

$2,700.00

$2,500.00

$156,600.00

Stake Polkadot

$200,000

120 days

$6,740.00

$8,000.00

$808,800.00

Download the app (available on iOS and Android) and start growing your wealth today.

UNITED STAKING: Simplifying Wealth Generation

Imagine a platform that takes the complexity out of crypto investing and gives you a simple, secure way to grow your assets. That’s UNITED STAKING in a nutshell. Launched in 2021, this global staking platform now has over 300,000 active users, supports 176+ assets, and has paid out over $40 million in rewards. It’s professionally designed for everyone—from beginners into staking crypto to institutions managing multi-million dollar portfolios.

UNITED STAKING has a seamless sign-up process, daily profit payouts, and top-tier security all wrapped in a user-friendly interface. Whether you’re in London, New York, or one of the 125+ countries it serves, this platform promises a hassle-free way to earn crypto staking rewards. So, what makes it stand out among the best crypto staking platforms? Let’s break it down.

UNITED STAKING’s Standout Features: Security, Flexibility and Lucrative Perks

These are the features that have institutions across Europe and America flocking to UNITED STAKING. In a world where volatility reigns, the platform’s combination of reliability and rewards is a beacon for those who want stability without sacrificing growth. Here’s what makes it stand out:

Easy Start: All you need is just an email, username, password, and a referral code if you have one. Within minutes you’re staking and earning. No complicated steps, no tech wizardry required.

Quick Staking: With one click on “Stake Now” UNITED STAKING does the work for you. Perfect for those who want to get into staking crypto without getting bogged down in blockchain jargon or node management.

Generous Incentives: New users get a $100 sign-up bonus, the affiliate program gives a 5% commission on every referral order, and the Million Bounty Plan rewards community builders with bonuses from $1 to $1,000 for promoting the platform on social media.

Daily Profit Claims: Unlike platforms that make you wait weeks or months; UNITED STAKING pays out crypto staking rewards every 24 hours. Your earnings are deposited into your account and you can withdraw or re-invest.

Security: The platform uses TLS encryption and 2FA to lock down your funds and data so that only you have access.

Flexible Investment Options: From Bitcoin to Dogecoin, UNITED STAKING supports a wide range of assets. You can comfortably tailor your staking portfolio to your risk tolerance—whether you’re going for the $100 trial or a $300,000 Uniswap stake.

Why Institutions Are Staking More

The 2025 crypto market is sluggish and institutions are rethinking their approach. Trading is a gamble when prices stagnate, holding assets without action feels like watching paint dry. But staking crypto gives them a way to put those idle coins to work. For institutions, it’s about securing consistent returns and supporting blockchain networks they believe in. UNITED STAKING intensifies this with low entry points and high reward potential, making it one of the best crypto staking platforms for corporate giants and individual enthusiasts.

But it’s not just about the money. Staking is part of a broader shift towards sustainable crypto practices. Unlike energy-hungry mining, staking crypto is eco-friendly as it uses locked assets rather than computational power. This resonates with European regulators pushing green finance and American firms eyeing ESG (Environmental, Social, Governance) credentials. UNITED STAKING’s transparent and secure setup only makes crypto staking sweeter, offering a platform that institutions trust and retail investors can easily use.

Conclusion

In a crypto market that’s dragging its feet, staking crypto is the smart play—offering low risk, high return, and the ability to thrive while others wait. European and American institutions see the writing on the wall: staking isn’t just a trend; it’s the modern crypto investing. So why wait? Stake today and turn the market’s sluggishness into your golden opportunity.

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Bitcoin Dips Below $95K as January CPI Data Shows Increasing Inflation. Can $MEMEX 100x? https://earlybirdsinvest.com/bitcoin-dips-below-95k-as-january-cpi-data-shows-increasing-inflation-can-memex-100x/ https://earlybirdsinvest.com/bitcoin-dips-below-95k-as-january-cpi-data-shows-increasing-inflation-can-memex-100x/#respond Thu, 13 Feb 2025 15:25:17 +0000 https://earlybirdsinvest.com/bitcoin-dips-below-95k-as-january-cpi-data-shows-increasing-inflation-can-memex-100x/

The January US CPI data is in, and it’s not what the market anticipated. Consumer prices surged by 0.5% in the first month of 2025, exceeding the expected 0.3% increase.

On a year-over-year basis, CPI rose 3%, slightly above the forecasted 2.9% and higher than December’s 2.9% reading. The unexpected uptick signals persistent inflationary pressures, which could influence market expectations and Fed policy decisions.

Core CPI data also delivered a disappointing surprise. The index, which excludes volatile food and energy prices, rose by 0.4% in January, exceeding the expected 0.3% increase. This marks a sharp uptick from December’s 0.2% gain, signaling that underlying inflationary pressures remain persistent.

The crypto market reacted swiftly to the latest inflation data, with Bitcoin slipping below the $95,000 mark in response.

Amid rising inflation and global uncertainty, Bitcoin has remained rangebound for the past two months. Since briefly surging past $108,000 during the post-election rally, the leading cryptocurrency has yet to confirm a clear breakout or breakdown.

Despite this consolidation, many analysts see the current price range as a prime accumulation zone, suggesting that Bitcoin could be gearing up for its next bull run.

Bitcoin May Reach $1.5M by 2030

Cathie Wood, the CEO of ARK Invest, believes Bitcoin can breach the $1.5M mark by the end of 2030.

Despite current turbulences, Wood believes Bitcoin is right on course for this landmark for a couple of reasons.

Ever since the appointment of Trump as president, more and more institutional investors have been keen to add Bitcoin to their portfolios due to its favorable risk-reward scenario.

More than 74 public companies now hold Bitcoin on their balance sheets. The total value, in fact, has increased 5x during the last year – from $11B in 2023 to $55B in 2024.

Image Courtesy: ARK Invest

ARK Invest has published a report with Bitcoin price targets under various scenarios.

  1. Under the base case assumption, BTC is expected to grow at a CAGR of 40% to hit a price of $710,000.
  2. Even in a bear case scenario, ARK Invest expected Bitcoin to reach $300,000 – more than 3x from current levels.
  3. However, the bull case scenario predicts Bitcoin reaching the $1.5M mark, growing at a CAGR of 58% for the next five years.

Sure, Bitcoin has a long road ahead, with several optimistic price predictions backing its seemingly monumental growth.

However, short-term turmoil like unfavorable CPI data can undoubtedly dent your portfolios. This is why we recommend taking refuge in the best crypto presales.

Since these aren’t listed on exchanges yet, they remain unaffected by external conditions. With crypto set to make a strong comeback later, now’s a good time to invest in these upcoming meme coins.

So, which of the best meme coins should you pick? Surely, one won’t be enough, as you need diversity in your portfolio. Enter Meme Index ($MEMEX).

What Is Meme Index ($MEMEX)?

Meme Index is a top trending crypto project that allows token holders to purchase a curated basket of meme coins as per their risk appetites.

The crypto market is admittedly a difficult landscape to navigate, one that requires extensive research. However, not all investors are able to stay abreast with developments and end up in losses.

Meme Index

This is where $MEMEX comes in handy. Instead of doing all the legwork, you can simply pick from four pre-designed baskets to invest in.

There are four indexes you can choose from:

  • Meme Titan Index: The Meme Titan Index tracks the top 8 meme coins with $1B+ market caps, including DOGE, SHIB, and PEPE. These established tokens offer lower volatility, making the index ideal for risk-averse investors—but with reduced risk comes limited return potential.
  • Meme Moonshot Index: The Rising Stars Index includes meme coins on the verge of entering the top 8, all listed on tier 1 exchanges and nearing a $1B market cap. This basket provides a balanced mix of risk and reward for investors.
  • Meme Midcap Index: This index is perfect for investors eyeing sizable yields. It contains coins with a market cap between $50M and $250M. The coins here can be quite volatile with considerable downside risk. However, they can quickly reach the Moonshot or Titan levels too.
  • Meme Frenzy Index: The Frenzy Index is made for real risk-takers who like to live on the wild side. It contains highly volatile tokens that can make you a millionaire within a matter of days. However, they’re very, very volatile and can result in considerable losses as well.

Why Can $MEMEX 100x?

Meme Index ($MEMEX) is hands down the most ideal pick for investors who are new to the crypto markets. Plus, with the number of newbies only increasing, $MEMEX could very well be among the hottest tokens.

Instead of randomly investing in unknown meme coins, you can bank on $MEMEX, which gives you access to smartly curated baskets by experts.

Plus, each coin in a basket is included (or excluded) based on votes from community members. This ensures you’re going in the direction of market sentiments and picking only the best cryptos to invest in.

For more information, check out $MEMEX’s whitepaper and its X feed.

The $MEMEX presale is currently live and has already raised over $3.6M. You can get 1 $MEMEX for just $0.0161637 if you get in right now, as the next price increase is just a couple of days away.

You can also stake your purchased $MEMEX tokens to earn a very healthy 633% APY as staking rewards.

If this is your first time investing in a crypto presale, here’s a detailed guide on how to buy $MEMEX.

However, none of the above is financial advice, and you should do your own research before investing your hard-earned money.

The crypto market can be highly volatile, and it’s best you consult a professional financial advisor to be doubly sure.

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