🎯 CBDC: The Future of Digital Money or a Threat to Privacy?
Central Bank Digital Currency (CBDC) is a form of digital currency issued and directly controlled by the central bank. Many countries are researching or developing their own versions, including Indonesia (Digital Rupiah), China (e-CNY), and the European Union (Digital Euro).
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✅ Advantages of CBDC:
1. Faster and Safer Transactions
Reducing dependence on traditional banking systems.
Can facilitate cross-border payments in real-time.
2. Financial Inclusion
Providing financial access for the unbanked population.
🔍 RWUSD is not an ordinary stablecoin. It is a yield-protected product with: ∙ Daily interest up to 4.2% APR ∙ Based on on-off chain assets like tokenized Treasuries ∙ Cannot be transferred—only on Binance ∙ Can be used as collateral for VIP Loan 👍 Suitable for: – Save short-term funds → still earn yield – Diversify stablecoins without market risk – 1:1 access to USDC, flexible redemption (via Standard or Fast Redemption) ⚠️ Remember: – The value of RWUSD is only valid within the Binance platform
HBAR has risen nearly 100% in a few days due to: 1. Enterprise adoption and AI projects 2. High spot ETF speculation 3. Technical indicators showing strong momentum
⚠️ But watch out: – Volume down 34% – RSI is already high & MACD diverging
🎯 Strategy: HODL? Just hold Swing? Wait for breakout and stop-loss Beginner? Monitor first & start with small steps
Inflation is when the prices of goods and services rise generally and continuously. It’s not just an economic term — inflation directly affects our daily purchasing power.
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📉 1. Your Money Stays Still = Its Value Decreases
If inflation is 6% per year, then:
IDR 1,000,000 now, next year only has purchasing power of around IDR 940,000
This means, without investment, you are slowly 'losing money'
Bitcoin runs on an open and decentralized blockchain network. This means that no single party can control or stop the system.
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2. 💰 Limited Supply: Only 21 Million
There will only ever be a maximum of 21 million BTC in circulation. More than 93% have already been mined. This is why many refer to BTC as 'digital gold.'
🪙 **Stellar $XLM has become the focus because PayPal is reportedly looking to bring the stablecoin PYUSD to the Stellar network. The market has reacted: XLM is up ~5% this week, open interest is up 10%, and the technical chart indicates a potential triangle breakout in the range of $0.26–0.285.**
⚠️ **However, it should be noted**: this announcement is not final—still awaiting approval from NYDFS. If it fails to break the resistance, there is still potential for a correction to $0.22–0.219.
💡 **Simple strategy**:
– **HODLers**: suitable to enter gradually, but be prepared to withstand volatility
✅ Crypto Strategy Part 3: Surviving in an Uncertain Crypto Market
📉 The market is not always green. Sometimes it's flat, sometimes it goes down. So, what can we do? ======••••====••••======••••======••••=====
🔹 1. Revise expectations Don't expect all coins to 'go to the moon'. Focus on long-term and realistic goals.
🔹 2. Strengthen your knowledge assets, not just crypto assets Use quiet time to learn: read the whitepaper, participate in the testnet, understand the technology.
🔹 3. Monitor projects that remain active during quiet market times Projects that remain updated during market declines = strong signal of long-term commitment.
💡 Crypto Strategy Part 2: 5 Beginner Mistakes to Avoid
📌 After learning about DCA vs Scalping, it's also important to know what to avoid when starting to trade crypto. Here are 5 common mistakes often made by beginners: ==================================== ❌ 1. FOMO (Fear of Missing Out) ➡️ Buy because you see others profiting, not because of your own analysis. 📉 Finally buying at the peak, selling below because of panic. ==================================== ❌ 2. Not Using Stop Loss ➡️ Feeling 100% confident and forgetting the risks. 🧨 Price drops, capital lost, can't sleep.
✅ DCA vs Scalping Strategy – Which is More Suitable for Beginners?
📉 DCA (Dollar Cost Averaging) This strategy involves purchasing a fixed amount of assets periodically, regardless of market price. For example: buy $BTC Rp50,000 every day or every week.
🟢 Advantages of DCA:
Suitable for beginners & long-term investors
Reduces the risk of buying at peak prices
No need to constantly monitor the charts
🔴 Disadvantages of DCA:
Less effective in a continuously declining market
Does not maximize profit potential from short-term fluctuations
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⚡ Scalping This strategy focuses on taking profits from small price movements in a short time (minutes or hours). Usually done with the help of technical indicators and quick execution.