Revolut, the financial super app with more than 35 million customers worldwide introduces Trading Pro — a powerful set of tools and insights for advanced traders designed to enhance their trading experience. The new subscription across the EEA is ...

Revolut Launches Trading Pro Across the European Economic Area (EEA): A Set of Tools for Advanced Traders

Andria Evripidou, a former executive at Revolut and Yapily, and current Chief Banking Officer at Xace, has announced the launch of a unified solution for Crypto and Banking.

Former Revolut staffer launches crypto and gaming startup

Japan is a key jurisdiction for digital assets and continues to be an important part of our plans to be the most coveted institutional-grade custodian globally. We are pleased to take our relationship with Crypto Garage to the next level as we continue to cement our footprint in Japan.

Komainu and Crypto Garage partner for superior institutional crypto service offering in Japan

There’s the one pretending to be from An Post, a brief but pointed message about a parcel I need to pay for and collect. I’m too lazy to collect parcels so this one doesn’t work either. Unscammable, that’s me. Or so I thought.

Róisín Ingle: I thought I was unscammable. I was wrong. Here’s what I learned from the unpleasant experience

Digital banks have better technology and lighter operations, enabling them to offer more affordable, user-friendly services to underserved customers than their brick-and-mortar counterparts. In this way, digital banks can advance financial inclusion, especially in Africa and Asia.

UAE's digitally-savvy neo-banks are having a good run - it will only get better

Revolut has introduced a new subscription service, Trading Pro, aimed at providing advanced traders with new tools and insights to improve their trading experience.

Revolut extends US stocks trading to 16 hours, matching major brokerages

As you move to a more distributed workforce, you've got to be overtly stating what your culture is and reinforcing that with people'

Revolut enjoys benefits of remote-first approach

Some Revolut customers go to extreme lengths to get their money back. However, their reimbursement claims are almost always rejected. The “applicants X.X.” could tell you some of the most interesting lesson-learning stories, filled with social ...

Should financial institutions reimburse scam victims? It depends which country they’re in

Online bank Revolut claims to have successfully prevented more than €220m in potential fraud in the last 12 months.

Revolut doubles financial crime headcount since 2021 to combat fraud

Is cash a spent force or are we in danger of rushing headlong into the virtual alternatives with no thought to the consequences?

Are fears over the cashless society exaggerated? Ciara O’Brien versus Conor Pope

Revolut

revolut

Mercuryo, a platform that provides payments infrastructure, and Revolut, a fintech company operating in Europe and beyond, have announced the launch of Revolut Pay on non-custodial wallets. Mercuryo stated that the introduction of Revolut Pay on these wallets is part of its ongoing rollout to expand options for digital token purchases. The service enables users to convert fiat currency into digital tokens by accessing the payment mechanism during checkout. Users who maintain a Revolut account select Revolut Pay at the point of sale and complete the transaction using an authentication step in the Revolut app. Customers who do not hold a Revolut account are able to complete the transaction by providing credit or debit card details. The service supports transactions within the European Economic Area (EEA) and facilitates payment in a selection of fiat currencies, including the US dollar, the euro, and the British pound sterling. The integrated identity verification process (Know Your Customer, or KYC) is available to non-Revolut users as well. This process uses existing infrastructure that has previously processed identity verification for more than 40 million Revolut users. The identity check is designed to be completed within a short time frame. Mercuryo has been active in the digital token space since 2018 and has formed partnerships with various entities in the decentralized finance sector. The company’s approach is to consolidate payment and banking solutions into one interface and to provide an option for on-chain integration. With this launch, Mercuryo seeks to extend the range of access methods for digital token purchases by integrating fiat payments directly with non-custodial wallets. Revolut, which began its operations in the United Kingdom in 2015, offers a range of financial services that include money transfer, currency exchange, and payment processing. The company has established a network of users that completes a large volume of transactions each month. With Revolut Pay, the company adds a feature that aims to reduce the number of steps required for a digital token purchase, particularly for users with an established Revolut account. The process for completing a transaction with Revolut Pay is structured in two parts. For customers holding a Revolut account, the transaction is initiated by choosing the Revolut Pay option at checkout and confirming the payment through the Revolut mobile application using either a passcode or biometric verification. For those without an account, the service provides an alternative route through the entry of credit or debit card information followed by the integrated KYC process. This dual-path method is intended to offer access to digital tokens for a broader group of users. The rollout of Revolut Pay across multiple non-custodial wallets coincides with a trend in the digital token industry toward integrating traditional financial processes with blockchain-based asset management. The service is available on platforms that allow users to control their own digital tokens without relying on third-party custodians. In this arrangement, users retain sole control over their digital assets while gaining a method to purchase tokens directly through their wallet interface. A review of the operational structure shows that the service reduces the transaction process to fewer steps than those typically required by traditional fiat-to-token conversion methods. The single-step confirmation for Revolut account holders contrasts with more extended procedures commonly associated with third-party payment processors. Similarly, the streamlined KYC process is positioned as an efficient alternative to more time-consuming methods of identity verification that have been used in the digital token space. Industry observers note that the partnership between Mercuryo and Revolut could contribute to changes in how fiat payments are integrated with digital asset storage solutions. By embedding the payment process within non-custodial wallets, the service may alter the pathway for users who are new to digital tokens as well as for those seeking alternatives to traditional custodial systems. The consolidation of payment and verification processes has the potential to influence transactional speeds and the overall ease of entering digital token markets. The arrangement also raises questions about the role of regulatory frameworks in the digital token ecosystem. The use of an integrated KYC process that draws on established verification systems may assist in aligning digital token transactions with regulatory standards. This aspect of the service could become a point of focus for financial authorities as they assess the intersection between decentralized finance solutions and existing financial regulation. Final Thoughts The introduction of Revolut Pay on non-custodial wallets represents an effort to merge established financial processes with emerging digital asset management practices. By providing a method to purchase digital tokens directly within wallet applications, the service addresses an aspect of the evolving relationship between fiat currency and digital tokens. This development may have implications for market participation in the digital token space. For users who prefer to maintain control over their digital assets without reliance on custodial solutions, the integration of fiat payments offers an alternative pathway. The design of the service, which combines transaction initiation with an integrated identity verification step, reflects an effort to simplify what has historically been a multi-step process. Observers in the financial technology and digital asset sectors will likely track the uptake of this service to determine whether it results in an increase in the number of users entering the digital token market. The approach taken by Mercuryo and Revolut may serve as a model for future collaborations between payment infrastructure providers and digital wallet operators. Moreover, as regulatory scrutiny continues to focus on identity verification and consumer protection in digital token transactions, the use of established KYC systems could provide a framework for compliance. The partnership between Mercuryo and Revolut, as expressed through the launch of Revolut Pay, illustrates a coordinated effort to refine the process of purchasing digital tokens. The service introduces a unified process for both Revolut account holders and non-account holders, and it operates within a regulatory framework that emphasizes identity verification. As market conditions evolve, the impact of this collaboration on transactional methods and market participation will become clearer through further observation and analysis. Don’t forget to like and share the story! Vested Interest Disclosure: This author is an independent contributor publishing via our business blogging program. HackerNoon has reviewed the report for quality, but the claims herein belong to the author. #DYOR Mercuryo , a platform that provides payments infrastructure, and Revolut , a fintech company operating in Europe and beyond, have announced the launch of Revolut Pay on non-custodial wallets. Mercuryo stated that the introduction of Revolut Pay on these wallets is part of its ongoing rollout to expand options for digital token purchases. The service enables users to convert fiat currency into digital tokens by accessing the payment mechanism during checkout. Users who maintain a Revolut account select Revolut Pay at the point of sale and complete the transaction using an authentication step in the Revolut app. Customers who do not hold a Revolut account are able to complete the transaction by providing credit or debit card details. Mercuryo Revolut operating The service supports transactions within the European Economic Area (EEA) and facilitates payment in a selection of fiat currencies, including the US dollar, the euro, and the British pound sterling. The integrated identity verification process (Know Your Customer, or KYC) is available to non-Revolut users as well. This process uses existing infrastructure that has previously processed identity verification for more than 40 million Revolut users. The identity check is designed to be completed within a short time frame. Mercuryo has been active in the digital token space since 2018 and has formed partnerships with various entities in the decentralized finance sector. The company’s approach is to consolidate payment and banking solutions into one interface and to provide an option for on-chain integration. With this launch, Mercuryo seeks to extend the range of access methods for digital token purchases by integrating fiat payments directly with non-custodial wallets. Revolut, which began its operations in the United Kingdom in 2015, offers a range of financial services that include money transfer, currency exchange, and payment processing. The company has established a network of users that completes a large volume of transactions each month. With Revolut Pay, the company adds a feature that aims to reduce the number of steps required for a digital token purchase, particularly for users with an established Revolut account. The process for completing a transaction with Revolut Pay is structured in two parts. For customers holding a Revolut account, the transaction is initiated by choosing the Revolut Pay option at checkout and confirming the payment through the Revolut mobile application using either a passcode or biometric verification. For those without an account, the service provides an alternative route through the entry of credit or debit card information followed by the integrated KYC process. This dual-path method is intended to offer access to digital tokens for a broader group of users. The rollout of Revolut Pay across multiple non-custodial wallets coincides with a trend in the digital token industry toward integrating traditional financial processes with blockchain-based asset management. The service is available on platforms that allow users to control their own digital tokens without relying on third-party custodians. In this arrangement, users retain sole control over their digital assets while gaining a method to purchase tokens directly through their wallet interface. A review of the operational structure shows that the service reduces the transaction process to fewer steps than those typically required by traditional fiat-to-token conversion methods. The single-step confirmation for Revolut account holders contrasts with more extended procedures commonly associated with third-party payment processors. Similarly, the streamlined KYC process is positioned as an efficient alternative to more time-consuming methods of identity verification that have been used in the digital token space. Industry observers note that the partnership between Mercuryo and Revolut could contribute to changes in how fiat payments are integrated with digital asset storage solutions. By embedding the payment process within non-custodial wallets, the service may alter the pathway for users who are new to digital tokens as well as for those seeking alternatives to traditional custodial systems. The consolidation of payment and verification processes has the potential to influence transactional speeds and the overall ease of entering digital token markets. The arrangement also raises questions about the role of regulatory frameworks in the digital token ecosystem. The use of an integrated KYC process that draws on established verification systems may assist in aligning digital token transactions with regulatory standards. This aspect of the service could become a point of focus for financial authorities as they assess the intersection between decentralized finance solutions and existing financial regulation. Final Thoughts Final Thoughts The introduction of Revolut Pay on non-custodial wallets represents an effort to merge established financial processes with emerging digital asset management practices. By providing a method to purchase digital tokens directly within wallet applications, the service addresses an aspect of the evolving relationship between fiat currency and digital tokens. This development may have implications for market participation in the digital token space. For users who prefer to maintain control over their digital assets without reliance on custodial solutions, the integration of fiat payments offers an alternative pathway. The design of the service, which combines transaction initiation with an integrated identity verification step, reflects an effort to simplify what has historically been a multi-step process. Observers in the financial technology and digital asset sectors will likely track the uptake of this service to determine whether it results in an increase in the number of users entering the digital token market. The approach taken by Mercuryo and Revolut may serve as a model for future collaborations between payment infrastructure providers and digital wallet operators. Moreover, as regulatory scrutiny continues to focus on identity verification and consumer protection in digital token transactions, the use of established KYC systems could provide a framework for compliance. The partnership between Mercuryo and Revolut, as expressed through the launch of Revolut Pay, illustrates a coordinated effort to refine the process of purchasing digital tokens. The service introduces a unified process for both Revolut account holders and non-account holders, and it operates within a regulatory framework that emphasizes identity verification. As market conditions evolve, the impact of this collaboration on transactional methods and market participation will become clearer through further observation and analysis. Don’t forget to like and share the story! Vested Interest Disclosure: This author is an independent contributor publishing via our business blogging program. HackerNoon has reviewed the report for quality, but the claims herein belong to the author. #DYOR Vested Interest Disclosure: This author is an independent contributor publishing via our business blogging program . HackerNoon has reviewed the report for quality, but the claims herein belong to the author. #DYOR Vested Interest Disclosure: business blogging program business blogging program

Mercuryo and Revolut Launch Revolut Pay 

Mercuryo и Revolut стартират Revolut Pay на Ledger, MetaMask, Trust Wallet

Mercuryo y Revolut lanzan Revolut Pay en Ledger, MetaMask y Trust Wallet

Mercuryo e Revolut lanzan Revolut Pay en Ledger, MetaMask, Trust Wallet

Mercuryo i Revolut lansiraju Revolut Pay na Ledger, MetaMask, Trust Wallet

Mercuryo ak Revolut lanse Revolut Pay sou Ledger, MetaMask, Trust Wallet

Mercuryo-ն և Revolut-ը գործարկում են Revolut Pay-ը Ledger-ում, MetaMask-ում, Trust Wallet-ում

Mercuryo e Revolut lanciano Revolut Pay

Mercuryo と Revolut が、Ledger、MetaMask、Trust Wallet で Revolut Pay を開始

Mercuryo sy Revolut dia namoaka Revolut Pay amin'ny Ledger, MetaMask, Trust Wallet

Mercuryo e Revolut lançam Revolut Pay no Ledger, MetaMask, Trust Wallet

Mercuryo සහ Revolut Ledger, MetaMask, Trust Wallet මත Revolut Pay දියත් කරයි.

Mercuryo uye Revolut Vanotanga Revolut Pay paLedger, MetaMask, Trust Wallet

“Mercuryo” we “Revolut” “Ledger”, “MetaMask”, “Gorag gapjygy” -da “Revolut” tölegini işe girizýär

Revolut Halts U.S. Cryptocurrency Operations: A Reflection on Regulation and Market Uncertainties Decision to End Crypto Services in the U.S. Revolut, a UK-based financial technology startup valued at $33 billion, has issued a public statement announcing the suspension of cryptocurrency services for its U.S. customers. This decision comes as a result of an increasingly complex and uncertain regulatory landscape in the U.S. The suspension will commence from September 2, 2023, with a complete halt to all related activities from October 3, 2023. The company has expressed an understanding of the disappointment this may cause and has assured its customers that it is actively seeking alternative means to continue providing access to cryptocurrency products in the U.S. Impact on the Crypto Community The announcement signifies a growing concern among fintech firms regarding the future of cryptocurrencies in the American market. Revolut's decision to discontinue crypto services reflects the company's caution in the face of evolving regulatory measures and potential legal ramifications. The Regulatory Landscape: SEC's Pursuit and Congressional Response U.S. Securities and Exchange Commission (SEC) - A Force to Reckon With The SEC's stance on cryptocurrencies being labeled as securities, subject to investor protection rules, has ignited debates and controversies in recent months. This regulatory effort took a sharp turn in June with lawsuits against major crypto exchanges, including and Binance, for failing to register certain cryptocurrencies. Coinbase Revolut's prompt action to delist , , and Polygon is likely a strategic response to the SEC's labeling of these tokens as securities. The platform's plan to complete this delisting process by September 18 demonstrates the urgency and significance of regulatory compliance. Cardano Solana Congressional Intervention - A Glimpse of Hope? In contrast to the 's aggressive regulatory approach, a bipartisan bill, titled the Responsible Financial Innovation Act, has been introduced in the Senate. Aimed at eliminating the SEC's authority over most crypto, this proposed legislation indicates a willingness among lawmakers to recognize the distinct nature of cryptocurrencies, potentially categorizing them as commodities rather than securities. SEC Revolut's Global Outlook: An Expanding Horizon Crypto Services Continue Beyond U.S. Borders While the U.S. decision is significant, Revolut assures that customers in other markets will continue to enjoy crypto services. Moreover, the company has been expanding its crypto-related offerings in Europe, including the launch of a staking program that offers cryptocurrency rewards to customers in Great Britain and around 30 European countries. This expansion highlights Revolut's global commitment to innovation in financial technology, even as it navigates the choppy waters of U.S. regulatory changes. The Path Forward In an age where technology is rapidly advancing, the intersection between finance and digital innovation often finds itself at odds with traditional regulatory frameworks. Revolut's decision to halt crypto services in the U.S. reflects a larger trend of caution and adaptation that may well define the future of fintech and cryptocurrencies. The call for freedom in the digital realm, and the desire to create a future where autonomy, privacy, and financial empowerment reign, continue to fuel the spirit of innovation. May this essence continue to inspire those who seek to build a world where financial sovereignty is not a privilege but a right for all. Sources: Revolut's official announcement on the suspension of cryptocurrency services in the U.S. Statements from the U.S. Securities and Exchange Commission (SEC) regarding cryptocurrency regulation. Congressional bill titled the Responsible Financial Innovation Act. Decrypt's interview with a Revolut spokesperson. Revolut's email communication to U.S. crypto customers. Information on Revolut's expansion in European markets.

Revolut Halts Crypto Operations in the U.S: A Reflection on Regulation and Market Uncertainties

Revolut detiene las criptooperaciones en los EE. UU.: una reflexión sobre la regulación y las incertidumbres del mercado

Revolut arrête les opérations de cryptographie aux États-Unis : une réflexion sur la réglementation et les incertitudes du marché

रिवोल्यूट ने यू.एस. में क्रिप्टो संचालन को रोक दिया: विनियमन और बाजार अनिश्चितताओं पर एक प्रतिबिंब

Revolut、米国での仮想通貨事業を停止：規制と市場の不確実性を反映

Revolut suspende operações criptográficas nos EUA: uma reflexão sobre regulamentação e incertezas do mercado

Revolut tạm dừng hoạt động tiền điện tử ở Hoa Kỳ: Phản ánh về quy định và sự không chắc chắn của thị trường

Revolut 停止在美国的加密业务：对监管和市场不确定性的反思

Time is the one resource that money can’t buy, which is why I strongly believe in the transformative potential of AI in healthtech. This market is undeniably one of the most challenging: data protection laws, stringent regulations, and bureaucratic hurdles create significant barriers. Yet, these challenges are precisely what make innovation here so impactful. A good friend of mine, Alex Badalyan, is working on something extraordinary—think of it as the Spotify of healthcare. While I can’t reveal too much just yet, what I can say is that this platform is already backed by some of the biggest names in the industry. Alex’s proven track record in building scalable services, combined with the expertise of Anton Shchipanov, ex-Revolut, the startup’s CTO, makes this venture one to watch. Today, I’m speaking with Anton about his journey, his decision to join this stealth-mode healthtech startup, and his insights into the market’s future. Mary Glazkova: Anton, thank you for joining me today. Let’s dive right in—why did you decide to join this new AI healthtech startup? Anton Shchipanov: Thank you, Mary. It’s a pleasure to be here. My decision to join this venture comes from both personal and professional alignment. In my career, I’ve worked on building and scaling data-driven, AI-powered systems. At one of the top music streaming platforms Yandex Music, I helped develop recommendation algorithms and real-time systems that processed vast amounts of user data. This experience taught me how to harness data to deliver personalized user experiences, a concept that translates nicely to tailored health insights. Later at Revolut, I managed adaptable systems capable of rapid customization—a vital feature for personalizing recommendations based on an individual’s unique needs. When Alex approached me with this opportunity, it felt like the perfect chance to apply these skills to a sector that needs innovation urgently. Preventive health, in particular, can shift the focus of healthcare from reactive treatments to proactive solutions. Mary: From your perspective, what’s currently happening in the healthtech market, and how is AI shaping it? Anton: The healthtech market is growthing, for sure. In 2025, the global healthtech market is projected to surpass $500 billion, driven largely by advancements in AI and data analytics. AI is revolutionizing the field by enabling precision medicine, which personalizes healthcare based on individual data such as genetics, lifestyle, and medical history. For example, wearable devices and electronic health records are being analyzed with AI to predict health risks and recommend preventive actions, improving patient outcomes while streamlining healthcare costs. However, the market faces significant challenges—data privacy concerns, fragmented systems, and the complexities of navigating regulatory frameworks. Startups that can address these issues while delivering tangible value will define the future of healthtech. Our startup focuses on integrating AI with preventive healthcare, bridging the gap between cutting-edge technology and practical, user-centric solutions. Mary: I spent a year working in London back in 2018. From your experience, how has the tech landscape changed since then? Anton: The tech landscape has evolved dramatically since 2018. AI adoption has moved from experimental pilots to becoming a core business strategy across industries. In London, the growth of healthtech and fintech has been especially pronounced. The pandemic accelerated the adoption of digital tools, particularly in areas like telemedicine and remote health monitoring. Startups are not just using AI to improve products but are also leveraging it for operational efficiency and scalability. The ecosystem is now more collaborative, with a stronger focus on sustainability and long-term impact, reflecting a broader global trend. Mary: You’ve had an impressive career spanning several industries and roles, and you’ve mentored startups. Could you share some highlights? Anton: Mentoring startups has been incredibly rewarding. Through programs like Solyanka’s Scalerator and EMERGE conferences, I’ve worked with startups such as DataHive and PayNet, helping them build scalable architectures and navigate technical challenges. Interestingly, mentoring is a two-way street. While guiding others, I’ve learned a great deal myself—especially about emerging trends and innovative approaches to problem-solving. For instance, at EMERGE, I noticed a growing interest in ESG principles and sustainable tech solutions, which aligns closely with my belief that technology must be responsible and impactful. One of the key lessons I emphasize to startups is the importance of a solid foundation. Rushing to scale without addressing the basics, like resilient architecture and robust DevOps practices, often leads to costly setbacks. Mary: Can you share a bit about your new venture? Anton: While I can’t go into detail yet, I can tell you this: our platform is designed to redefine preventive healthcare by combining AI-powered insights with a seamless user experience. We’re tackling some of the biggest challenges in the industry, and we’re doing it with a team that deeply understands both technology and user needs. The most important thing is that we’re giving users the ability to consolidate all their previously unstructured health data in one place and leverage it for the most personalized approach to preventive health. This means empowering individuals to take control of their health in a way that’s never been possible before. Mary: Fundraising in healthtech is no easy feat. How did you manage to secure funding? Anton: Fundraising is indeed challenging, especially in healthtech. But we approached it strategically. First, Alex leveraged his network to connect with investors who share our vision. Second, we conducted extensive customer interviews to validate the market need, ensuring that our MVP addressed real pain points. This gave us credibility and confidence during investor pitches. Third, we focused on building a strong team with a proven track record, which resonated well with investors. Mary: Any advice for CTOs, especially those in startups? Anton: Absolutely. My advice would be to prioritize scalability and adaptability from the outset. Build systems that can grow with your user base and evolve as the market changes. Secondly, don’t underestimate the value of collaboration—engage with other teams early to ensure alignment across product, engineering, and business goals. Lastly, stay curious. The tech landscape evolves rapidly, and staying ahead means constantly learning and experimenting. Mary: Thank you for sharing your journey and insights, Anton. I look forward to seeing the impact of your work in this exciting field. Anton: Thank you, Mary. It’s been a pleasure discussing these topics. The intersection of AI and healthtech holds immense potential, and I’m excited to be part of this journey. Time is the one resource that money can’t buy, which is why I strongly believe in the transformative potential of AI in healthtech. This market is undeniably one of the most challenging: data protection laws, stringent regulations, and bureaucratic hurdles create significant barriers. Yet, these challenges are precisely what make innovation here so impactful. A good friend of mine, Alex Badalyan, is working on something extraordinary— think of it as the Spotify of healthcare . While I can’t reveal too much just yet, what I can say is that this platform is already backed by some of the biggest names in the industry. Alex’s proven track record in building scalable services, combined with the expertise of Anton Shchipanov , ex-Revolut , the startup’s CTO , makes this venture one to watch. think of it as the Spotify of healthcare think of it as the Spotify of healthcare Anton Shchipanov ex-Revolut the startup’s CTO Today, I’m speaking with Anton about his journey, his decision to join this stealth-mode healthtech startup, and his insights into the market’s future. Mary Glazkova: Anton, thank you for joining me today. Let’s dive right in—why did you decide to join this new AI healthtech startup? Mary Glazkova: Anton Shchipanov: Thank you, Mary. It’s a pleasure to be here. My decision to join this venture comes from both personal and professional alignment. Anton Shchipanov: In my career, I’ve worked on building and scaling data-driven, AI-powered systems. At one of the top music streaming platforms Yandex Music, I helped develop recommendation algorithms and real-time systems that processed vast amounts of user data. This experience taught me how to harness data to deliver personalized user experiences, a concept that translates nicely to tailored health insights. Later at Revolut, I managed adaptable systems capable of rapid customization—a vital feature for personalizing recommendations based on an individual’s unique needs. When Alex approached me with this opportunity, it felt like the perfect chance to apply these skills to a sector that needs innovation urgently. Preventive health, in particular, can shift the focus of healthcare from reactive treatments to proactive solutions. Mary: From your perspective, what’s currently happening in the healthtech market, and how is AI shaping it? Mary: Anton: The healthtech market is growthing, for sure. In 2025, the global healthtech market is projected to surpass $500 billion, driven largely by advancements in AI and data analytics . Anton: market is projected to surpass $500 billion, driven largely by advancements in AI and data analytics AI is revolutionizing the field by enabling precision medicine, which personalizes healthcare based on individual data such as genetics, lifestyle, and medical history. For example, wearable devices and electronic health records are being analyzed with AI to predict health risks and recommend preventive actions, improving patient outcomes while streamlining healthcare costs. AI is revolutionizing the field by enabling precision medicine, which personalizes healthcare based on individual data such as genetics, lifestyle, and medical history. For example, wearable devices and electronic health records are being analyzed with AI to predict health risks and recommend preventive actions, improving patient outcomes while streamlining healthcare costs. However, the market faces significant challenges— data privacy concerns, fragmented systems, and the complexities of navigating regulatory frameworks . Startups that can address these issues while delivering tangible value will define the future of healthtech. data privacy concerns, fragmented systems, and the complexities of navigating regulatory frameworks Our startup focuses on integrating AI with preventive healthcare, bridging the gap between cutting-edge technology and practical, user-centric solutions. Mary: I spent a year working in London back in 2018. From your experience, how has the tech landscape changed since then? Mary: Anton: The tech landscape has evolved dramatically since 2018. AI adoption has moved from experimental pilots to becoming a core business strategy across industries. Anton: In London, the growth of healthtech and fintech has been especially pronounced. The pandemic accelerated the adoption of digital tools, particularly in areas like telemedicine and remote health monitoring . Startups are not just using AI to improve products but are also leveraging it for operational efficiency and scalability. The pandemic accelerated the adoption of digital tools, particularly in areas like telemedicine and remote health monitoring The ecosystem is now more collaborative, with a stronger focus on sustainability and long-term impact, reflecting a broader global trend. Mary: You’ve had an impressive career spanning several industries and roles, and you’ve mentored startups. Could you share some highlights? Mary: Anton: Mentoring startups has been incredibly rewarding. Through programs like Solyanka’s Scalerator and EMERGE conferences, I’ve worked with startups such as DataHive and PayNet, helping them build scalable architectures and navigate technical challenges. Anton: Interestingly, mentoring is a two-way street. While guiding others, I’ve learned a great deal myself—especially about emerging trends and innovative approaches to problem-solving. For instance, at EMERGE, I noticed a growing interest in ESG principles and sustainable tech solutions , which aligns closely with my belief that technology must be responsible and impactful. I noticed a growing interest in ESG principles and sustainable tech solutions One of the key lessons I emphasize to startups is the importance of a solid foundation. Rushing to scale without addressing the basics, like resilient architecture and robust DevOps practices, often leads to costly setbacks. One of the key lessons I emphasize to startups is the importance of a solid foundation. Rushing to scale without addressing the basics, like resilient architecture and robust DevOps practices, often leads to costly setbacks. Mary: Can you share a bit about your new venture? Mary: Anton : While I can’t go into detail yet, I can tell you this: our platform is designed to redefine preventive healthcare by combining AI-powered insights with a seamless user experience. We’re tackling some of the biggest challenges in the industry, and we’re doing it with a team that deeply understands both technology and user needs. Anton The most important thing is that we’re giving users the ability to consolidate all their previously unstructured health data in one place and leverage it for the most personalized approach to preventive health . This means empowering individuals to take control of their health in a way that’s never been possible before. the ability to consolidate all their previously unstructured health data in one place and leverage it for the most personalized approach to preventive health Mary: Fundraising in healthtech is no easy feat. How did you manage to secure funding? Mary: Fundraising in healthtech Anton: Fundraising is indeed challenging, especially in healthtech. But we approached it strategically. First, Alex leveraged his network to connect with investors who share our vision. Second, we conducted extensive customer interviews to validate the market need, ensuring that our MVP addressed real pain points. This gave us credibility and confidence during investor pitches. Third, we focused on building a strong team with a proven track record, which resonated well with investors. Anton: Mary: Any advice for CTOs, especially those in startups? Mary: Anton: Absolutely. My advice would be to prioritize scalability and adaptability from the outset. Build systems that can grow with your user base and evolve as the market changes. Anton: Absolutely. My advice would be to prioritize scalability and adaptability from the outset. Build systems that can grow with your user base and evolve as the market changes. Anton: Secondly, don’t underestimate the value of collaboration—engage with other teams early to ensure alignment across product, engineering, and business goals. Lastly, stay curious. The tech landscape evolves rapidly, and staying ahead means constantly learning and experimenting. Mary: Thank you for sharing your journey and insights, Anton. I look forward to seeing the impact of your work in this exciting field. Mary: Anton: Thank you, Mary. It’s been a pleasure discussing these topics. The intersection of AI and healthtech holds immense potential, and I’m excited to be part of this journey. Anton:

Exec Building the Spotify of Healthcare Says Only Startups That Address Real Issues Will Thrive 

Nik Storonsky, founder of Revolut, shared bold and controversial views in his recent podcast. He talked about hiring, work-life balance, and the challenges of scaling a global business. His words hit close to home for me as an entrepreneur, and I’d like to share my take on some of the points he raised. The "Self-Guided Missile" Philosophy Nik has a straightforward rule: hire "self-guided missiles." These are people who set their own goals, execute flawlessly, and deliver results without needing much guidance. If they don’t prove themselves in three months, they’re not the right fit. I fully agree with this. Finding such people is hard, but it’s possible. I’ve had the chance to work with individuals like this, and they are game-changers for any team. However, identifying them takes time and effort. Hiring isn’t just about interviews; it’s about spotting that rare mix of independence and drive. When you find them, they’re worth every moment spent searching. Work-Life Balance: Is It Overrated? Nik’s take on balance is simple: it’s not for everyone. He believes success comes from sacrifice and imbalance. To win in the "big sport" of business, you need to focus 100% on your goals, even if it means giving up other parts of life. I tend to agree with him. It’s not a lifestyle that suits everyone, but it’s the reality of competing at the highest level. Building something impactful requires this kind of focus. If you’re willing to embrace it, the rewards can be extraordinary. Global Ambition: A Bold Vision Revolut wants to be the #1 fintech player in 40 markets with 30 million active users by 2027. That’s ambitious, and I respect it. Their product quality and speed of execution are inspiring. Scaling globally isn’t easy—it requires navigating different cultures, regulations, and markets. But their progress so far shows they know how to execute. When I hear goals like this, I feel motivated. Ambition, when paired with execution, is a force that can move mountains. Exploring New Frontiers Nik mentioned biotech and genetics as industries he’d like to explore. It reminded me of Walter Isaacson’s biography of Steve Jobs, where Jobs predicted these fields would drive the next breakthroughs. I couldn’t help but wonder: has Nik read that book? If I had the chance to explore a completely new field, I’d choose something similar. These areas promise innovation that could change the world, and I believe the next big thing will come from there. Passion vs. Progress When asked why he does what he does, Nik’s answer was simple: “What else is there to do?” His mindset resonated with me. Success isn’t always about passion; sometimes it’s about the need to keep moving forward. It’s the thrill of building, solving problems, and creating something new that keeps us going. And yes, it’s enough. Final Thoughts Listening to Nik’s podcast made me reflect on my own journey. His approach to hiring, work-life balance, and ambition is sharp, clear, and unapologetic. These are lessons every entrepreneur should think about, even if they don’t agree with everything. What do you think about Nik’s ideas? Would you embrace an imbalanced life for the sake of success? Let me know in the comments. Let’s discuss! https://www.youtube.com/watch?v=IXubBqd8uXs&embedable=true Nik Storonsky , founder of Revolut, shared bold and controversial views in his recent podcast. He talked about hiring, work-life balance, and the challenges of scaling a global business. His words hit close to home for me as an entrepreneur, and I’d like to share my take on some of the points he raised. Nik Storonsky The "Self-Guided Missile" Philosophy The "Self-Guided Missile" Philosophy Nik has a straightforward rule: hire "self-guided missiles." These are people who set their own goals, execute flawlessly, and deliver results without needing much guidance. If they don’t prove themselves in three months, they’re not the right fit. I fully agree with this. Finding such people is hard, but it’s possible. I’ve had the chance to work with individuals like this, and they are game-changers for any team. However, identifying them takes time and effort. Hiring isn’t just about interviews; it’s about spotting that rare mix of independence and drive. When you find them, they’re worth every moment spent searching. Work-Life Balance: Is It Overrated? Work-Life Balance: Is It Overrated? Nik’s take on balance is simple: it’s not for everyone. He believes success comes from sacrifice and imbalance. To win in the "big sport" of business, you need to focus 100% on your goals, even if it means giving up other parts of life. I tend to agree with him. It’s not a lifestyle that suits everyone, but it’s the reality of competing at the highest level. Building something impactful requires this kind of focus. If you’re willing to embrace it, the rewards can be extraordinary. Global Ambition: A Bold Vision Global Ambition: A Bold Vision Revolut wants to be the #1 fintech player in 40 markets with 30 million active users by 2027. That’s ambitious, and I respect it. Their product quality and speed of execution are inspiring. Scaling globally isn’t easy—it requires navigating different cultures, regulations, and markets. But their progress so far shows they know how to execute. When I hear goals like this, I feel motivated. Ambition, when paired with execution, is a force that can move mountains. Exploring New Frontiers Exploring New Frontiers Nik mentioned biotech and genetics as industries he’d like to explore. It reminded me of Walter Isaacson’s biography of Steve Jobs, where Jobs predicted these fields would drive the next breakthroughs. I couldn’t help but wonder: has Nik read that book? If I had the chance to explore a completely new field, I’d choose something similar. These areas promise innovation that could change the world, and I believe the next big thing will come from there. Passion vs. Progress Passion vs. Progress When asked why he does what he does, Nik’s answer was simple: “What else is there to do?” His mindset resonated with me. Success isn’t always about passion; sometimes it’s about the need to keep moving forward. It’s the thrill of building, solving problems, and creating something new that keeps us going. And yes, it’s enough. Final Thoughts Listening to Nik’s podcast made me reflect on my own journey. His approach to hiring, work-life balance, and ambition is sharp, clear, and unapologetic. These are lessons every entrepreneur should think about, even if they don’t agree with everything. Listening to Nik’s podcast What do you think about Nik’s ideas? Would you embrace an imbalanced life for the sake of success? Let me know in the comments. Let’s discuss! https://www.youtube.com/watch?v=IXubBqd8uXs&embedable=true https://www.youtube.com/watch?v=IXubBqd8uXs&embedable=true

Learnings From Nik Storonsky’s Podcast: The Self Guided Missile Philosophy and Scaling to 50M Users

Læring fra Nik Storonskys podcast: The Self Guided Missile Philosophy and scaling to 50M Users

Lecciones del podcast de Nik Storonsky: La filosofía de los misiles autoguiados y cómo escalar hasta 50 millones de usuarios

निक स्टोरोन्स्की के पॉडकास्ट से सीखें: स्व-निर्देशित मिसाइल दर्शन और 50 मिलियन उपयोगकर्ताओं तक विस्तार

Tanulságok Nik Storonsky podcastjából: Az önvezérelt rakéta filozófiája és az 50 millió felhasználóra való méretezés

Pelajaran dari Podcast Nik Storonsky: Filosofi Rudal Berpemandu Mandiri dan Peningkatan hingga 50 Juta Pengguna

Lezioni dal podcast di Nik Storonsky: la filosofia dei missili autoguidati e la scalabilità a 50 milioni di utenti

למידה מהפודקאסט של ניק סטורונסקי: פילוסופיית הטילים המודרכת עצמית והרחבה ל-50 מיליון משתמשים

Nik Storonsky のポッドキャストから学んだこと: 自己誘導ミサイルの哲学と 5,000 万人のユーザーへの拡張

ការរៀនពីផតឃែស្ថរបស់ Nik Storonsky៖ ទស្សនវិជ្ជាកាំជ្រួចដឹកនាំដោយខ្លួនឯង និងធ្វើមាត្រដ្ឋានដល់អ្នកប្រើប្រាស់ 50 លាននាក់

Boyekoli uta na Nik Storonsky’s Podcast: Philosophie ya Missile oyo etambwisami yango moko mpe bokasi ya monene kino na basaleli ya 50M

Lessen uit de podcast van Nik Storonsky: de filosofie van de zelfgestuurde raket en opschalen naar 50 miljoen gebruikers

Уроки подкаста Ника Сторонски: философия самонаводящихся ракет и масштабирование до 50 млн пользователей

The growing popularity of online banking as well as modern payment systems such as Revolut, N26, and Monzo suggests that traditional banking may be moving towards its demise. On the one hand, more than 50% of consumers still performed monthly visits to physical bank offices with 80% of them making at least one such visit within the 6 months preceding the . Fiserv survey However, this trend may be partially supported by older baby boomer audiences who do not feel at ease with smartphone applications and other remote banking instruments. On the other hand, major practitioners including Citibank are reducing their physical presence at an alarming rate moving away from brick-and-mortar branches. This article considers a number of trends in the financial industry to identify if we are getting close to the death of traditional banking. Perceived Trustworthiness The most widespread sphere of criticism for modern fintech companies is their lack of ‘tangibility’ making them appear than brick-and-mortar banks and more prone to ‘disappear into thin air’. Several stories on Reddit and other resources describe this problem citing the inability to reach the outsourced customer support, quickly react to the emerging issue to stop the fraudulent transfer of money, and the slow response of these organizations to both customer and police requests. less reliable Considering the fact that a smartphone app may be the only contact you have with the bank, this further exposes you to the risk of losing access to all your money in the case of any technical problems, the loss or theft of your smartphone, or the inability to log into your account. This is a highly concerning sign considering the fact that many mobile payment providers do not have internal call centers and may not be available via voice calls on a 24/7 basis. Technological Aptitude The above-mentioned problems may seem insignificant considering the rates of operational and shown by major physical banks. Large brick-and-mortar organizations including the Bank of Scotland, Lloyds, and Barclays have all reported 30+ significant breaches across their internal systems per month. security issues While born-digital mobile systems were originally created in the age of blockchain technologies, full anonymity, and cashless transactions, their traditional counterparts had to teach themselves these skills to survive the competition. In many cases, their old systems fail to learn new tricks and may be seen as clumsy and outdated by younger digital-native audiences. Many of them also lack the transparency of their modern counterparts that update you about any issues via multiple social media profiles and make it a rule to respond to your questions on Instagram or Twitter within one hour. Costs of Use Most proponents of modern technologies cite lower costs of use as one of the main benefits of modern solutions for mobile payments. N26, TransferWise, and Revolut charge you £0 for issuing and using their cards and 2% on the average for transferring money to anywhere in the world. All transfers occur instantly and you do not have to pay any fees when you are not using their services. On the contrary, most physical banks charge substantially higher payment processing fees for inter-bank transactions while processing periods may amount to 2-3 days in some cases. This also disrupts the retail industry since many organizations in it do not want to pay the ever-increasing charges for all check-out operations performed with banking cards. Lifestyle Integration An avid iPhone user is generally more willing to buy the ‘Created by Apple, not a bank’ Apple Card rather than the actual Goldman Sachs product being sold under this name. The Web 3.0 environment we all live in implies that our social media profiles may be more trustworthy and traceable than the documents provided by us to a bank branch. This is well understood by major brands including Facebook that add the capability to send and receive money directly to their instant messaging chats. When a friend in need is asking you for a $100 pre-salary loan, it is more logical to make this transfer from the same app rather than switch to a third-party interface or make a live visit to your bank. Even in the case of fraudulent scam attempts, digital payment methods such as PayPal generally offer better customer protection than traditional banks that may spend months considering your chargeback request. Ease of Use Most people agree that opening a digital app or a website live chat has become substantially more convenient than driving to your bank office during its working hours on a rainy day. However, this obvious factor is trickier than it looks. On the one hand, small mobile payments are easier to perform via the online systems created by . Moreover, you only need your phone to use them and they do not prohibit transactions if you forgot your passport or your driving license at home earlier this morning. modern fintech companies On the other hand, traditional thinking still suggests that brick-and-mortar storefronts may be more suitable for making ‘more serious’ transactions. Complex life choices such as opening a long-term deposit or making a mortgage payment of several thousand dollars to your real estate developer are usually associated with the need for physical contact and confirmation from the bank. Modern financial institutions are well aware of these preconceptions, which explains the transformation of their brick-and-mortar storefront facilities into open-space zones with coffee shops, coworking spaces aimed at small businesses, and regularly organized entrepreneurial fairs. The interesting part of the competition between modern services and traditional banks is its almost Hegelian dialectic. The new competitors highlight the disadvantages of their predecessors that criticize their own flaws and develop synthetic solutions combining the strong points of physical and online-based banking. At the moment, the death of traditional services may not be in sight since most people prefer to experiment with new technologies as a ‘second card’ for convenient mobile payments and international money transfers rather than a ‘core’ all-purpose solution. However, the advancement of fintech start-ups and their acquisition of specialized bank licenses will inevitably allow them to offer a wider range of offerings including deposits and consumer credits. This extra step may give them the leverage to fully disrupt the financial industry and bring an end to physical banking services.

Mobile Payments Systems: How Close Is the Death of Physical Banking?  

Fintech is often proclaimed as the great leveller. The WEF proclaimed it as financially key in and fintech lending algorithms have been found to than traditional in-person lenders. uplifting Muslim businesswomen discriminate less Is fintech really the great leveller? Yet despite these great promises of financial inclusivity, in the wake of the death of George Floyd and the subsequent global protest, the fintech industry was slow to put out a statement supporting the black lives matter movement. Some, such as app banks and , have yet to release public statements as of the time of publication. Revolut Monese These are companies that aggressively market towards millennials and arguably would not exist without the generation’s over in-person. Yet, some of them appear not to be willing to support causes close to the millennial heart. When other tech-based companies such as , and even were quick to make statements and contributions to social justice efforts, they come off as extremely out of touch. preference for digital interactions Netflix YouTube TikTok Finance and tech have a history of systemic racism You may argue that finance and technology firms have nothing to do with the murder of George Floyd and the countless other lives lost to police brutality. Yet these firms exist in a society that structural racism and discrimination. In particular, the banking industry has played a part in reinforcing race-based structural inequalities. For example in , Beth Jacobson, a Wells Fargo loan officer, explains that she specifically targeted black people for high-interest subprime loans. During this process, not only did bank employees refer to black people as “mud people” but they these so-called “ghetto loans” also meant that black homeowners took on than their non-black counterparts. this New York Times article much higher interest rates In regards to the history of the American tech industry, a similar story is told. This is exemplified in the creation of the system. This system utilised the profile of young, black, male with close-cropped hair or Jeri curl, wearing gold chains or rings, or blue or red, clothing. In doing so, it criminalised an entire community by profiling up to 50% of the US’s south-central area. It is here where we can see the technology’s explicit link with racism and police brutality. Great (Gang Reporting and Evaluation Tracking) Furthermore, companies such as IBM have a of perpetuating structural racism. IBM’s computing expertise was used to help the New York-based Eugenics Record Office to identify mixed-race people for forced sterilisation in Jamaica. IBM also has helped in computerising and automating the apartheid in South Africa. And that’s not even mentioning how in the post 9/11 era, the corporation used New York CCTV footage in order to improve their facial recognition tech to sufficiently recognise an individual’s race. deep and dark history This makes their on their commitment to racial equality feel extremely hollow. It is clear that a company like this is just superficially talking about racism in order to ensure their relevance. Adequate self-reflection is what is needed yet their statements do not indicate that this is what they plan to do. recent Twitter statement Fintech and systemic racism As the lovechild of two industries that have proliferated structural racism, fintech arguably has a duty that they are not adequately living up to. Although algorithms have been found to less discriminate less, there is an important distinction here. They may discriminate less but . What’s more, fintech has a recent history of being racially insensitive with Singapore utilising blackface to encourage cashless payment solutions in their advertisements. they still do discriminate digital payments agency E-Pay There is also an implication that fintech may also end up continuing the practice of redlining, albeit in a . Redlining is the practice of outlining minority communities and subsequently making them no-go zones for home loans and other financial packages. The practice shifted wealth away from minorities areas by making minorities make deposits at banks which would then deny them loans. This was then used to extend credit to wealthy and white neighbourhoods and in the process concentrating money in that demographic. modern-day digital variant One way in which fintech is doing this is which required banks to serve low and moderate-income individuals near their branches. Yet with branchless banking fastly becoming the norm, especially in the pandemic, this law is beginning to show its age. Not to mention it also attempts to deal with race-based inequalities without talking about race. by poking holes in the 1977 Community Investment Act It also opens up the question as to how branchless banks would comply with this law. If applied to only the online bank’s office, it would further serve to concentrate wealth in cities and most likely the already wealthy neighbourhood that the office is situated in. A NAAHL (National Association of Affordable Housing Lenders) suggestion to have them nationally assessed on their service to low and moderate-income brackets could possibly mean that the returns on loaned money to low-income minority communities could be used to invest in wealthy and white neighbourhoods which may give a higher return on investment. Thus, the cycle of the white and wealthy getting richer at the expense of poorer and blacker neighbourhoods may continue. Another way in which this could be done is through . Lower-income communities and communities of colour have lower access to high-speed internet or own a smartphone meaning that their access to fintech is undermined. This means that the higher income and the whiter are placed in a better position to benefit from fintech products than low-income minority neighbourhoods. unequal access to fintech services One seemingly simple way in which this could be solved is through widespread internet access. As Monzo continues its , it will be interesting to see whether they will take action in dealing with this. Especially, as they have shown in the European fintech industry in promising to create privilege awareness training and encouraging other companies to do so. Moreover, reveals some awareness of the lack of black representation in their company and of the reality of systemic racism by waiving fees to charities that are raising money to combat this. They are also pledging to identify high impact actions in the long term. expansion to the US some leadership Stripe’s statement Plans for long-term change are critical However, on the George Floyd murder and protests have not shown any indication of long term action or structural change. Those companies that have pledged to do so should look at the racist practices of the industries that fintech intersects. Most importantly, they need to look and analyse as to whether they perpetuate them and take appropriate action. Whilst donations to charity are welcome, a change of every industry culture is needed. Fintech is not immune to this. many fintech statements Helping to create widespread access to internet infrastructure and ensuring branchless banking does not continue redlining is one way of doing this. Improving black representation in their companies is another. Fintech, along with every aspect of global society, has a duty to work towards undermining systemic racism. Until it takes up this duty, any claims of fintech branding itself as the “the great leveller” will be left to the dust. It is only if it deals with systemic racism that fintech will finally fulfil its self-proclaimed role of being a challenger to the industry. Photo by Icons8 Team on Unsplash

Could Fintech Play A Role In Undermining Systemic Racism Or Will It Exacerbate It?

In the West, you would be hard pushed to come up with a handful of cryptocurrency or blockchain companies from Russia that operate successfully and prominently outside of the country (beyond neighbouring ex-bloc territories). It’s a similar situation for almost any industry from the country, FinTech and beyond, and a large reason for this comes as a result of sanctions imposed by the U.S. government. Considering ongoing russia-phobic sentiments being spread in the USA as well as Europe, it would be hard to see such an enterprise even being marketable in the current climate. There are actually operated by Russian nationals in the West, however they predominantly establish headquarters and brands in the local regions to avoid scrutiny from the press – as well as build a locally friendly image. many companies Even these efforts, however, are not enough to prevent McCarthy-esque headlines such as ‘ ’ – which was published by the UK paper The Telegraph, back in May 2019. Revolut’s ‘Kremlin links’ to be probed as politicians warn digital bank could risk national security Recent Crypto News Russia There has been a recent increase in blockchain-focused activities coming from state-approved organisations, as well as the Russian government directly. This appears to be in correlation with the aforementioned problems facing Russian businesses and entrepreneurs. Take, for example, the publication of an official whitepaper from the Russian National Settlement Depository (NSD) – “the largest securities depository in Russia”, which outlines the institution’s ‘Vision of Blockchain Use in Financial Infrastructure’. Lawmakers have also recently been closing in on plans to create standardized legislation on digital asset tokens, as well as a law which would enable authorities to requisition cryptocurrency funds from suspected and convicted criminals. In addition, the Russian Central Bank announced its intentions to implement or create a gold-backed cryptocurrency. China and Russia: Parallel Trends Although it is difficult to conclude the myriad of reasons each country may have, there are some notable links between Russia and China on the geopolitical stage. Both countries are facing significant trade sanctions, from the USA and (by extension) other Western nations at present. A move towards cryptocurrency based economic models may help each nation respectively overcome these restrictions, as well as those imposed by the ubiquity of the U.S. Dollar standard. Another point of comparison is with the recent gold-purchasing rush exhibited by both countries recently – which perhaps reflects the disparity between their respective global economic prowess, with the potential fragility of a currency which is not backed by tangible materials. The main question to ponder upon finishing this article would be: are the increasing US trade war sanctions and employment of anti-Russia and China sentiments as common political currency driving these countries towards cryptocurrencies? Russophobia and sanctions (similar with #China) decrease the purchasing power of their fiat currencies (ruble and renminbi)… further incentive for the adoption of digital tokens. What could be the implications (legally and economically) were either to employ cryptocurrency officially and back it with their massive gold reserves? Recent Crypto News from China Although the trajectory of news coming out of Russia has been much more consistent, with a longer tail than China,, there are parallels that can be drawn with the intensification of national cryptocurrency activities in China. China has been pushing towards what appears a standardization, legitimisation, and even state-backed support for cryptocurrencies and blockchain at an even faster rate than Russia – and most of the news has come out of the past 30 days. Earlier this month, it was revealed that a national regulator had removed a previously proposed ban on cryptocurrency mining in a 2020 update to an official guidance document originally published in 2011. Subsequently: the President of China, Xi Jinping, delivered an official endorsement for cryptocurrency as well as later advocating for increased blockchain adoption in the countries financial and technology sectors. This message was so successful that it led Jinping to deliver another statement in an attempt to calm the nerves of eager investors. Russia and China have some similarities with regards to cryptocurrency and blockchain activities, in light of their respective economic and global-political positions. Read more about this in my article: ' Is China Laying the Groundwork for a State Backed Token?' This news feature was originally published on news.daex.com on 15th November 2019. For more stories, click here .

Is Russia’s Crypto Conquest Inspired by Sanctions and Russophobia?

Welcome to HackerNoon Writing Prompts! See all other stories that follow this template here. Which of the following topics are you most excited by? I am particularly excited about WebAssembly(WASM) and the impact this technology can have on the infrastructure space. Why does it excite you? WASM has the potential to change the cloud landscape. As a smaller deployment unit with a shorter cold start time, it can enable workload deployments at the edge and dramatically densify cloud workload. It’s a silent revolution because — if it reaches full potential — developers will be able to simply repackage/recompile existing software to WASM to leverage it, instead of packaging and deploying in containers. WASM is already enabling developers to run external code safely within their applications, or allowing developers to create rich applications that run in the browser. It also allows the use of LLM in web browsers, both on desktop and mobile. A promising solution alongside the SML trend. This helps democratize model usage on the client side instead of the server side, which can strengthen privacy/security since it avoids sending private data to remote models. Overall, WASM excites me because it will densify cloud deployment, enable more AI workloads at the edge, drive down cost, drive down general resource consumption, and help manage data privacy at the edge. And this is just the beginning. What are the trends in this area or products in this area that you are the fondest of? Why? There is a lot of innovation when it comes to WASM. I am particularly fond of wasmCloud and all the efforts they make in standardizing WASM capability providers. With the help of Cosmonic and a common customer, we’ve developed a WASM provider that enables developers to use Couchbase's core database functionalities (key/value, SQL, and full text or vector search) in wasmCloud architecture. This already allows developers to build scalable, function-based applications, and to benefit from the consumption reduction that comes along with Function-as-a-Service architectures. What are the positive impacts they can have on society? Deploying software across edge locations and cloud data centers with zero scaling capabilities could reduce infrastructure requirements, potentially decreasing both energy consumption and hardware resource usage. This is an important consideration to address technology’s innovation impact on climate change. This method also reduces operational and consumption costs and leads to more commoditization of hardware — similar to what we’ve seen at the beginning of the cloud industry. Fun fact: the Couch in Couchbase originated from CouchDB, which stands for a cluster of unreliable commodity hardware. What are the negative impacts they can have on society? For better or worse, WASM will accelerate the adoption of AI and other new technologies at the Edge or in the browser, and as such, increase our reliance on connected devices or the WEB. This could reinforce the Digital Divide. What are your predictions on how these technologies will evolve? It is still early for the WASM ecosystem. A lot of work still needs to be done on WASM runtimes to reach its full potential. While this might not happen in the immediate future, we can see some runtimes aiming at POSIX compatibility. This would be an incredible step to make WASM ubiquitous. WASM is being integrated into existing software platforms as a plugin system. This allows platforms to safely run code from third-party developers without compromising security. We will also see more platform teams embrace WASM as a common runtime for ephemeral workloads like FaaS, ETL, or AI agents. What are your predictions on the ethics of future societies in relation to these technologies? Being able to ship workload or run software directly on devices could reverse the current trend. Instead of shipping our data to the cloud, software vendors could run computational tasks and processing directly on our personal computers, phones, and IoT devices using WASM. This can have immediate impacts on personal data and privacy, as sensitive information like health data, financial records, and personal photos can be processed locally without ever leaving your device. I am particularly interested in what progress we will see in the space of federated/distributed learning as it gets enabled by WASM, where ML models can be trained across multiple devices while keeping each user's data private and secure. This could revolutionize how we develop AI applications that respect user privacy. Would you like to take a stab at answering some of these questions? The link for the template is HERE, just start writing! Interested in what others had to say in their answers? Click HERE. Interested in reading the content from all of our writing prompts? Click HERE. Welcome to HackerNoon Writing Prompts! See all other stories that follow this template here . here Which of the following topics are you most excited by? I am particularly excited about WebAssembly(WASM) and the impact this technology can have on the infrastructure space. Why does it excite you? WASM has the potential to change the cloud landscape. As a smaller deployment unit with a shorter cold start time, it can enable workload deployments at the edge and dramatically densify cloud workload. It’s a silent revolution because — if it reaches full potential — developers will be able to simply repackage/recompile existing software to WASM to leverage it, instead of packaging and deploying in containers. WASM is already enabling developers to run external code safely within their applications, or allowing developers to create rich applications that run in the browser. It also allows the use of LLM in web browsers, both on desktop and mobile. A promising solution alongside the SML trend. This helps democratize model usage on the client side instead of the server side, which can strengthen privacy/security since it avoids sending private data to remote models. Overall, WASM excites me because it will densify cloud deployment, enable more AI workloads at the edge, drive down cost, drive down general resource consumption, and help manage data privacy at the edge. And this is just the beginning. What are the trends in this area or products in this area that you are the fondest of? Why? There is a lot of innovation when it comes to WASM. I am particularly fond of wasmCloud and all the efforts they make in standardizing WASM capability providers. With the help of Cosmonic and a common customer, we’ve developed a WASM provider that enables developers to use Couchbase's core database functionalities (key/value, SQL, and full text or vector search) in wasmCloud architecture. This already allows developers to build scalable, function-based applications, and to benefit from the consumption reduction that comes along with Function-as-a-Service architectures. What are the positive impacts they can have on society? Deploying software across edge locations and cloud data centers with zero scaling capabilities could reduce infrastructure requirements, potentially decreasing both energy consumption and hardware resource usage. This is an important consideration to address technology’s innovation impact on climate change. This method also reduces operational and consumption costs and leads to more commoditization of hardware — similar to what we’ve seen at the beginning of the cloud industry. Fun fact: the Couch in Couchbase originated from CouchDB, which stands for a cluster of unreliable commodity hardware. What are the negative impacts they can have on society? For better or worse, WASM will accelerate the adoption of AI and other new technologies at the Edge or in the browser, and as such, increase our reliance on connected devices or the WEB. This could reinforce the Digital Divide. What are your predictions on how these technologies will evolve? It is still early for the WASM ecosystem. A lot of work still needs to be done on WASM runtimes to reach its full potential. While this might not happen in the immediate future, we can see some runtimes aiming at POSIX compatibility. This would be an incredible step to make WASM ubiquitous. WASM is being integrated into existing software platforms as a plugin system. This allows platforms to safely run code from third-party developers without compromising security. We will also see more platform teams embrace WASM as a common runtime for ephemeral workloads like FaaS, ETL, or AI agents. What are your predictions on the ethics of future societies in relation to these technologies? Being able to ship workload or run software directly on devices could reverse the current trend. Instead of shipping our data to the cloud, software vendors could run computational tasks and processing directly on our personal computers, phones, and IoT devices using WASM. This can have immediate impacts on personal data and privacy, as sensitive information like health data, financial records, and personal photos can be processed locally without ever leaving your device. I am particularly interested in what progress we will see in the space of federated/distributed learning as it gets enabled by WASM, where ML models can be trained across multiple devices while keeping each user's data private and secure. This could revolutionize how we develop AI applications that respect user privacy. Would you like to take a stab at answering some of these questions? The link for the template is HERE, just start writing! Interested in what others had to say in their answers? Click HERE. Interested in reading the content from all of our writing prompts? Click HERE. Would you like to take a stab at answering some of these questions? The link for the template is HERE , just start writing! Interested in what others had to say in their answers? Click HERE . Interested in reading the content from all of our writing prompts? Click HERE . HERE HERE HERE

WebAssembly (WASM) - The Silent Infrastructure Revolution

How 3D-Printed Metamaterials Could Revolutionize Noise Reduction

GEORGETOWN, Cayman Islands, January 24th, 2025/Chainwire/--Silencio, the world’s first decentralized noise data engine, has officially launched, setting a new standard in environmental data utilization. Powered by community contributions, Silencio transforms smartphones into secure, anonymous sensors that crowdsource real-time, hyper-local noise data. At its launch, Silencio Network is operational with almost 800k members in over 180 countries, covering 43.86 billion square meters (+560 times the size of New York) and recording 8.1 million hours of data collection. $SLC Token Lists on Major Exchanges as Silencio Ecosystem Expands Central to the Silencio ecosystem is the $SLC token, powered by the Blocksound Foundation, which is used for rewarding contributors, transactions, staking, and governance across the network. As of its launch on January 24, 2025, $SLC is available on leading exchanges such as KuCoin, Gate.io, MEXC, Bitmart, and BingX, with more to be added soon. The $SLC token is designed to incentivize the collection of noise data, supporting the network's expansion with an initial issuance geared towards fostering sustainable growth. Silencio’s Vision: Transforming Noise Into Actionable Insights for a Quieter World Silencio’s mission is to harness real-time noise data to enable smarter decisions for individuals, businesses, and governments. With its cutting-edge approach, the network aims to address critical issues such as urban planning, public health, and environmental management, making it especially relevant for sectors aiming for decentralization and enhanced community engagement. Silencio is set to change the way people value real estate, select restaurants, and decide where to live. By providing actionable noise data, Silencio aims to impact the decision-making of millions of people worldwide, offering a new layer of insight that influences everyday choices and long-term planning. This approach ensures that noise levels, often overlooked, are now a central consideration in creating quieter, more enjoyable living and working environments. Leading the Web3 Revolution with Real-World, Decentralized Solutions Beyond its token utility, Silencio is also pioneering in governance and community engagement through its transparent, blockchain-based ecosystem. The network allows contributors to earn $SLC tokens in reward for their data contributions, ensuring that every user is a stakeholder in the network's success. Plans are underway to expand into the global personal data market, estimated to be worth more than $300 billion according to a McKinsey report. Silencio aims to commercialize any smartphone-collected data in a transparent and anonymized manner, providing full control and rewards to users. Looking ahead, Silencio plans to further expand its platform to include more diverse data applications, potentially integrating additional environmental variables and enhancing its impact on global data-driven decision-making. With a robust user base and a clear vision, Silencio is poised to lead the Web3 revolution, bringing blockchain solutions to the real-world challenges of noise pollution and beyond. Joining the Silencio Revolution Silencio paves the way for a quieter, more informed world, it invites individuals and industries to join its network, contribute data, and benefit from the insights generated. With its official launch, Silencio reaffirms its commitment to a sustainable and participatory approach to environmental data, welcoming all to be part of this revolutionary journey. About Silencio Network Silencio Network is revolutionizing the global approach to capturing, processing, and utilizing noise intelligence data. By transforming everyday smartphones into real-time noise sensors, Silencio provides hyper-local insights that drive impactful decisions across industries such as urban planning, real estate, and hospitality. Envisioning a future where noise-level data influences real estate pricing and guides daily choices in selecting hotels and restaurants, Silencio is paving the way for smarter, more informed decisions. With operations spanning over 180 countries and a network of almost 800k sensors, the platform generates more than 100,000 daily on-chain transactions, solidifying its position as the world’s largest noise intelligence platform. Contact Alex M. Blocksound Foundation marketing@blocksoundfoundation.org This story was distributed as a release by Chainwire under HackerNoon’s Business Blogging Program. Learn more about the program here GEORGETOWN, Cayman Islands, January 24th, 2025/Chainwire/--Silencio, the world’s first decentralized noise data engine, has officially launched, setting a new standard in environmental data utilization. Powered by community contributions, Silencio transforms smartphones into secure, anonymous sensors that crowdsource real-time, hyper-local noise data. At its launch, Silencio Network is operational with almost 800k members in over 180 countries, covering 43.86 billion square meters (+560 times the size of New York) and recording 8.1 million hours of data collection. $SLC Token Lists on Major Exchanges as Silencio Ecosystem Expands Central to the Silencio ecosystem is the $SLC token, powered by the Blocksound Foundation , which is used for rewarding contributors, transactions, staking, and governance across the network. Blocksound Foundation Blocksound Foundation As of its launch on January 24, 2025, $SLC is available on leading exchanges such as KuCoin , Gate.io , MEXC , Bitmart , and BingX , with more to be added soon. The $SLC token is designed to incentivize the collection of noise data, supporting the network's expansion with an initial issuance geared towards fostering sustainable growth. KuCoin KuCoin Gate.io Gate.io MEXC MEXC Bitmart Bitmart BingX BingX Silencio’s Vision: Transforming Noise Into Actionable Insights for a Quieter World Silencio’s mission is to harness real-time noise data to enable smarter decisions for individuals, businesses, and governments. With its cutting-edge approach, the network aims to address critical issues such as urban planning, public health, and environmental management, making it especially relevant for sectors aiming for decentralization and enhanced community engagement. Silencio is set to change the way people value real estate, select restaurants, and decide where to live. By providing actionable noise data, Silencio aims to impact the decision-making of millions of people worldwide, offering a new layer of insight that influences everyday choices and long-term planning. This approach ensures that noise levels, often overlooked, are now a central consideration in creating quieter, more enjoyable living and working environments. Leading the Web3 Revolution with Real-World, Decentralized Solutions Beyond its token utility, Silencio is also pioneering in governance and community engagement through its transparent, blockchain-based ecosystem. The network allows contributors to earn $SLC tokens in reward for their data contributions, ensuring that every user is a stakeholder in the network's success. Plans are underway to expand into the global personal data market, estimated to be worth more than $300 billion according to a McKinsey report. Silencio aims to commercialize any smartphone-collected data in a transparent and anonymized manner, providing full control and rewards to users. Looking ahead, Silencio plans to further expand its platform to include more diverse data applications, potentially integrating additional environmental variables and enhancing its impact on global data-driven decision-making. With a robust user base and a clear vision, Silencio is poised to lead the Web3 revolution, bringing blockchain solutions to the real-world challenges of noise pollution and beyond. Joining the Silencio Revolution Silencio paves the way for a quieter, more informed world, it invites individuals and industries to join its network, contribute data, and benefit from the insights generated. With its official launch, Silencio reaffirms its commitment to a sustainable and participatory approach to environmental data, welcoming all to be part of this revolutionary journey. About Silencio Network Silencio Network is revolutionizing the global approach to capturing, processing, and utilizing noise intelligence data. By transforming everyday smartphones into real-time noise sensors, Silencio provides hyper-local insights that drive impactful decisions across industries such as urban planning, real estate, and hospitality. Silencio Network Silencio Network Envisioning a future where noise-level data influences real estate pricing and guides daily choices in selecting hotels and restaurants, Silencio is paving the way for smarter, more informed decisions. With operations spanning over 180 countries and a network of almost 800k sensors, the platform generates more than 100,000 daily on-chain transactions, solidifying its position as the world’s largest noise intelligence platform. Contact Alex M. Blocksound Foundation marketing@blocksoundfoundation.org This story was distributed as a release by Chainwire under HackerNoon’s Business Blogging Program. Learn more about the program here This story was distributed as a release by Chainwire under HackerNoon’s Business Blogging Program. Learn more about the program here here here

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