TheBFMTimes

From Software Engineering to Blockchain Education
Ivan Liljeqvist began his career far from speculation or market hype. Born in Belarus and later raised in Sweden, he developed a strong technical foundation after studying computer science and software engineering at the Royal Institute of Technology (KTH) in Stockholm. His early professional years were spent working as a backend developer, solving real-world engineering problems and building production-grade systems.
His transition into blockchain education was not driven by ideology or investment narratives, but by necessity. As Bitcoin, Ethereum, and decentralized systems gained momentum, Liljeqvist observed a widening gap between market enthusiasm and genuine technical understanding. To address this imbalance, he began producing educational content aimed initially at developers, while remaining accessible to serious beginners. This effort laid the groundwork for what would become Ivan on Tech.
Ivan on Tech and a Technical-First Approach to Web3
The Ivan on Tech YouTube channel quickly became known for explaining blockchain concepts without dilution. Topics ranged from Bitcoin fundamentals and Ethereum architecture to smart contracts, decentralized applications, and Web3 infrastructure. Rather than promoting price narratives, the content focused on how systems actually function.
What distinguished Liljeqvist’s work was intent. He consistently framed blockchain as an evolving technology, highlighting design trade-offs, incentive structures, and technical limitations alongside opportunities. This grounded approach attracted a global audience of developers, students, and technically minded participants who were interested in understanding systems-not predicting markets.
From Education to Infrastructure: Building Moralis
As his audience matured, Liljeqvist expanded beyond education into product development. He co-founded Moralis, a Web3 backend platform designed to simplify decentralized application development. Moralis abstracts away much of the repetitive infrastructure work, allowing developers to focus on business logic rather than rebuilding core components from scratch.
Alongside the platform, Liljeqvist launched Ivan on Tech Academy-later rebranded as Moralis Academy. The mission remained consistent: train builders, not traders. Course material emphasizes smart contract development, Web3 architecture, and real-world application deployment, reflecting his belief that long-term blockchain adoption depends on developers, not short-term market cycles.
Industry Presence and Practical Credibility
Liljeqvist remains a visible figure across major blockchain and Web3 conferences, where he frequently speaks on developer tooling, decentralized infrastructure, and education. His influence extends beyond view counts, reflected in the widespread adoption of his platforms and consistent references within technical and educational crypto circles.
As CEO of Moralis, he operates at the intersection of theory and production, offering him direct insight into how blockchain concepts perform in real-world environments-not just in whitepapers or tutorials.
Interpreting Markets Without Emotion
Liljeqvist’s market commentary mirrors his technical philosophy. In response to rapid price movements, he has cautioned against emotional decision-making, noting that parabolic growth does not automatically justify abandoning positions. His emphasis remains on structure, trend context, and risk management.
He frequently compares crypto cycles with traditional asset markets, such as commodities, to illustrate how different market structures behave over time. The underlying message is consistent: understand the system first, then act.
Why Ivan on Tech Remains Relevant
In an industry defined by speed and short attention spans, Liljeqvist’s work endures because it is rooted in fundamentals. His sustained focus on developer education, infrastructure, and long-term thinking continues to offer value to those seeking informed participation in Web3 rather than speculative exposure.
Education as Infrastructure
#IvanLiljeqvist can be accurately described as a technologist, an educator, and a Web3 ecosystem builder. By treating education as a form of infrastructure, he has helped shape how blockchain knowledge is shared and how new builders enter the space-contributing not just to awareness, but to capability.
Disclaimer: #BFMTimes provides information strictly for educational purposes and does not offer financial advice. Readers should consult a qualified financial advisor before making investment decisions.

Known across crypto circles as Crypto Rover, Daan de Rover has established himself as a familiar and trusted voice for traders and investors who want short-term market insight without being buried under speculation or noise. His updates frequently coincide with major price movements, drawing strong engagement that reflects an audience highly attuned to timing, clarity, and actionable context rather than hype.
Building an Audience Through Market Education
#X and #YouTube have been central to #cryptorover ’s rise. On X, where he commands a following of roughly eight hundred thousand users, his posts focus on real-time reactions to market moves, key chart levels, and shifts in sentiment. The delivery is direct and concise, designed for traders who need fast, digestible information in volatile conditions.
On YouTube, where his subscriber base stands near one hundred forty thousand, the format allows for deeper analysis. Here, de Rover breaks down market structure, trend continuation versus reversal, and the behavioral dynamics that often precede sharp price moves. Rather than presenting predictions as certainties, his analysis is framed around probabilities, invalidation levels, and risk awareness, reinforcing an educational approach over sensationalism.
Bitcoin and Ethereum as Market Anchors
Bitcoin and Ethereum sit at the core of Crypto Rover’s analysis. He consistently uses these assets as benchmarks for broader market health, liquidity conditions, and investor sentiment. His commentary frequently connects macroeconomic developments, derivatives positioning, and leverage dynamics to price action in BTC and ETH, before extending those insights to the wider altcoin market.
What distinguishes his approach is accessibility. While grounded in technical analysis, his explanations avoid excessive jargon, making complex market behavior understandable for retail participants who play a meaningful role in market liquidity. This balance has allowed him to remain relevant across a wide spectrum of experience levels within the crypto audience.
The Entrepreneurial Dimension
Beyond content creation, de Rover is also active on the entrepreneurial side of the crypto ecosystem. He co-founded a trading-focused platform designed to provide traders with analytical tools and automation capabilities. This role positions him not only as a commentator but also as a builder with firsthand exposure to trader needs and execution challenges.
Notably, his product involvement does not dominate his public commentary. His content remains centered on market analysis and education, with entrepreneurship serving as a practical extension of his broader objective: improving how traders access data and make informed decisions.
Influence and Industry Standing
Crypto Rover’s impact is measured less by formal awards and more by consistency, reach, and engagement. His sustained audience growth places him among the most visible crypto commentators on X. In 2025, he was ranked among the platform’s most engaged and prominent crypto influencers, a distinction driven by audience interaction rather than institutional recognition.
This standing reflects a level of trust built through frequent, timely updates and a demonstrated ability to engage directly with unfolding market conditions.
Real-Time Market Commentary
A defining feature of Crypto Rover’s presence is his speed in responding to sudden market shifts. During a recent period of heightened volatility, he highlighted Bitcoin’s near four-thousand-dollar drop amid escalating US–EU trade tensions. Rather than stopping at the headline move, he emphasized the role of leverage, cascading liquidations, and trader positioning in accelerating the decline.
This style underscores his ability to react in real time while still providing depth. Instead of speculative narratives, he focuses on the mechanics driving price behavior during stress events, reinforcing his role as an educator during moments of uncertainty.
Digital-First Visibility and Community Engagement
Crypto Rover’s influence is primarily digital-native. While there is limited public documentation of his participation in large physical conferences or panels, his presence is strong through livestreams, online discussions, and community-driven interactions. This aligns with the nature of his work, which prioritizes immediacy, scalability, and global reach over traditional stage appearances.
Influence Built on Timing and Clarity
Daan de Rover represents a specific category of crypto KOL—one whose influence is driven by speed, consistency, and disciplined framing of market information. As a market educator, high-engagement commentator, and ecosystem builder, his relevance is tied to meeting traders where the market is in real time. In an industry defined by rapid shifts, Crypto Rover’s influence endures through clarity, timing, and structured analysis.
Disclaimer: #BFMTimes provides information strictly for educational and knowledge purposes and does not offer financial advice. Readers should consult a qualified financial advisor before making any investment decisions.

Not built as a trading desk or a promotional megaphone, #CoinBureau was designed from the outset as a research-driven, education-first platform. Its purpose was to slow the conversation down in an industry addicted to speed. Over time, that discipline turned Coin Bureau into one of the most trusted global voices in crypto education-shaping how millions understand blockchain not as a speculative playground, but as foundational infrastructure.
Education Before Speculation - The Coin Bureau Ethos
From day one, Coin Bureau has operated on a simple principle: understanding must come before participation. Adoption without comprehension is fragile. Knowledge without urgency lasts. The platform focuses on onboarding the world into crypto methodically, through clear, structured education that meets audiences where they are.
Its content spans deep protocol breakdowns, exchange and platform evaluations, macroeconomic context, and long-form explainers. The approach is evidence-led, deliberately neutral, and grounded in context. Coin Bureau does not instruct audiences on what to buy. It explains how systems function, why narratives emerge, and where genuine risks lie.
That restraint gives it global relevance. Whether discussing Layer-1 scalability, token design, or liquidity cycles, Coin Bureau prioritizes explanation over persuasion. In an industry driven by hype and immediacy, this measured stance has become its defining edge.
Leadership and Editorial Direction
At the core of the platform is Nic Puckrin, co-founder and CEO. Beyond operations, Puckrin embodies Coin Bureau’s educational philosophy in public forums, panels, and industry dialogue. His focus remains firmly on long-term structural understanding-where regulation, macroeconomics, and technology intersect-rather than short-term market timing.
Alongside him is Guy, the platform’s principal presenter and most recognizable voice. Known for his calm delivery and research-heavy scripting, Guy brings clarity without diluting complexity. Together, they reflect Coin Bureau’s credibility-first strategy-moving beyond personality-led influence toward institutional trust built over time.
From Digital Reach to Global Engagement
Coin Bureau’s influence extends well beyond screens. The team maintains a strong presence at major global Web3 events, not as promoters, but as participants in substantive discussion. Nic Puckrin has taken the stage at Blockchain Life Dubai, sharing insights on Coin Bureau’s evolution and the broader crypto landscape. The platform has also been actively involved in Binance Blockchain Week Dubai, contributing to ecosystem-level conversations.
In May 2025, Coin Bureau co-hosted a Token2049 Dubai side event with CoinW at Atlantis, positioning itself as a convening point for industry networking and dialogue. Earlier, its presence at SuiRL in Bali reinforced its growing footprint across Asia-Pacific Web3 communities.
Across these appearances, the message remains consistent: education, open dialogue, and responsible ecosystem growth.
Context Over Sensationalism
A recent post on X illustrates this approach clearly. When highlighting the Iranian rial’s extreme depreciation, Coin Bureau avoided alarmism. Instead, it explained why currency converters display the rial as “$0.00,” how rounding works at microscopic valuations, and what such depreciation signals in macroeconomic terms.
The value of the post lay not in shock, but in clarity. By grounding the observation in economic mechanics, Coin Bureau connected real-world monetary instability to the broader relevance of decentralized alternatives-particularly for regions facing systemic currency erosion.
Influence Built on Trust, Not Noise
Coin Bureau functions as a key opinion leader not by pushing narratives, but by consistently unpacking them. Its influence stems from repeatable credibility: transparent research, clear disclaimers, editorial independence, and long-term consistency.
Rather than directing purchasing behavior, Coin Bureau shapes how audiences think. It encourages skepticism, critical analysis, and patience-qualities in short supply in a market dominated by short-term incentives. That positioning is not just rare; it is necessary.
Looking Forward
As Web3 matures, the demand for responsible, education-led platforms will only intensify. Coin Bureau stands as proof that credibility compounds, and that influence grounded in understanding outlasts any hype cycle.
By continuing to choose clarity over noise and education over speculation, Coin Bureau remains a foundational force in crypto’s transition from fringe innovation to legitimate global infrastructure.
Disclaimer: #BFMTimes is an informational platform and does not provide financial advice. Readers should consult qualified financial advisors before making any investment decisions.

From a Midwest Start to a Global Crypto Platform
Founded in 2018 by twin brothers #AaronArnold and #AustinArnold , Altcoin Daily began as a straightforward experiment in consistency. Based in Ohio, the brothers set out to publish daily crypto coverage that cut through sensationalism and focused on clarity. The goal was not to excite audiences with extreme predictions, but to help them stay informed without being drowned in noise.
From the outset, the channel adopted a wide-lens approach. Content was built to serve both newcomers encountering Bitcoin for the first time and experienced market participants following Ethereum, altcoins, and broader blockchain infrastructure. As the crypto market moved through repeated bull and bear cycles, Altcoin Daily’s defining strength emerged: reliability. Showing up every day became its differentiator.
What Altcoin Daily Represents Today
#AltcoinDaily has grown into the most-subscribed crypto news channel on YouTube in the United States and ranks among the top three globally. With approximately 1.5 million YouTube subscribers and over 1.7 million followers on X, the platform now sits firmly within the upper tier of crypto media influence.
Its coverage spans a wide range of topics, including Bitcoin, Ethereum, and major altcoins, alongside NFTs, Web3, and the evolving digital economy. Market structure, mining trends, institutional behavior, and long-term investing themes feature prominently. Underpinning this breadth is a clear editorial philosophy: using altcoins strategically within longer cycles, with Bitcoin as the ultimate benchmark. This mindset reflects a disciplined, macro-aware outlook rather than short-term speculation.
The Founders’ Editorial Voice
A major reason for the channel’s durability is the consistency of its hosts. Aaron and Austin Arnold are not simply relaying headlines; they interpret them. Daily episodes focus on why developments matter, whether they stem from macroeconomic shifts, regulatory signals, or changes in investor behavior.
Their delivery is confident but measured. Regular disclaimers clarify that the content is not financial advice, reinforcing credibility in an industry where education and promotion often blur. Over time, this balance between opinion and restraint has become central to Altcoin Daily’s identity.
Institutional Context Over Hype
This approach is evident in how the channel frames institutional news. In a recent post, Altcoin Daily highlighted commentary from Fidelity Investments, stating that Bitcoin may be entering a “supercycle.” The significance was not the bullish framing itself, but the source. Fidelity’s scale and credibility added weight to the narrative that Bitcoin’s trajectory is increasingly shaped by long-term adoption and structural demand, rather than retail enthusiasm alone.
Rather than amplifying excitement, Altcoin Daily positioned the statement within a broader context of supply dynamics, institutional sentiment, and multi-year market cycles. This emphasis on perspective over hype is characteristic of the channel’s editorial style.
Why the Format Resonates
Altcoin Daily operates at the intersection of news reporting and daily commentary. Episodes move quickly but remain substantive, balancing timely updates with interpretation. Recurring themes include market psychology, cycle awareness, and actionable insights that appeal to both beginners and seasoned participants.
The channel also features interviews and collaborations with industry figures, adding first-hand viewpoints to its coverage. Complex topics-ranging from monetary policy implications to blockchain infrastructure upgrades-are broken down clearly without being oversimplified. This accessibility, combined with consistency, keeps audiences engaged.
Influence Built on Trust
Altcoin Daily’s influence lies less in making explicit market calls and more in shaping how its audience understands risk, cycles, and long-term value. Its daily presence has made it a regular reference point in discussions around Bitcoin dominance, altcoin rotations, regulation, and institutional participation.
By maintaining a steady cadence and a grounded tone, the channel has built familiarity. Over time, that familiarity has translated into trust-an increasingly rare asset in a market driven by volatility and narratives.
Beyond the Screen
The platform’s relevance extends into the broader industry. In 2025, Aaron Arnold appeared at Chainlink SmartCon, participating in discussions on crypto markets. While Altcoin Daily does not position itself as a conference-centric media brand, such appearances reflect its standing within professional and institutional circles.
A Steady Signal in a Loud Industry
Altcoin Daily’s real strength is not reach alone, but credibility earned through consistency. In a space dominated by emotion and rapid storytelling, the channel has carved out a reputation for measured analysis and long-term thinking. Through disciplined publishing, informed commentary, and a macro-level perspective, Aaron and Austin Arnold have built more than a media channel-they have created a daily touchpoint for millions seeking clarity in an otherwise chaotic market.
Disclaimer: #BFMTimes provides content strictly for informational purposes and does not offer financial advice. Readers should consult a qualified financial professional before making any investment decisions.

Early Life and Entry Into #blockchain
Raised in Colombia under severe financial constraints, Meneses experienced hardship at a level few publicly acknowledge. At one stage, he lived out of a mechanic’s garage and relied on food assistance to survive. Survival came before ambition. Seeking stability, he worked a series of short-term jobs across Europe before eventually establishing himself in the United Kingdom.
With formal training in computer engineering, Meneses approached technology pragmatically. His introduction to crypto in 2016 was not driven by speculation or market hype. Instead, it stemmed from a real-world problem: sending money back to his family in Colombia. Traditional remittance systems were slow, expensive, and unreliable. Bitcoin, to him, represented efficiency and autonomy-not a gamble. This practical first use shaped his long-term approach to blockchain adoption, focusing on functionality over theory.
Collapse, Reset, and Strategic Rebuild
In 2019, Meneses lost everything-financially and emotionally. The setback was total. While many would have exited the industry entirely, he chose a calculated reset. He redirected his remaining resources into three areas: building a personal brand, creating education-first content, and cultivating a community.
He began publishing consistently on Instagram, prioritizing clarity over predictions and experience over speculation. His content was never designed to impress markets but to explain them. The approach was rooted in empathy-addressing the questions he once had and the gaps newcomers routinely faced. This learning-by-doing philosophy became central to his credibility.
Emergence as a Web3 Communicator and KOL
Momentum accelerated in 2022. Meneses was invited to speak at Binance’s 5th Anniversary, marking a shift from independent creator to recognized industry voice. That same year, he launched Crypto OGs, which went on to become the top-ranked podcast on Binance Live.
#Binance later named him a Top Key Opinion Leader, solidifying his position within the ecosystem. His work earned trust from major platforms including Binance, #OKX , Polymarket, and multiple global technology firms. What differentiates Meneses is balance-clear communication paired with firsthand operational understanding of the industry.
Global Presence, Events, and Industry Recognition
Meneses is an active international host and speaker, with confirmed participation at major events including:
Token2049 (Dubai and Singapore)Binance Blockchain WeekParis Blockchain WeekAIBC World / SiGMA Eurasia

He has served as both speaker and host across Europe, Dubai, and Latin America.
His contributions have been recognized through multiple honors, including:
Forbes 40 Under 40 - Tech Leaders (Latin America)Arabian Business Top 10 People in CryptoEntrepreneur Magazine Top 100 Entrepreneurs in the Middle EastInfluencer of the Year - Middle East Blockchain Awards (2022)Web3 Podcast Winner - AI & Blockchain Awards (2023)Top Global Crypto YouTuber / Influencer - Abu Dhabi Finance Week (2022)
Media Reach and Community Impact
Meneses is the co-founder and host of the Crypto OGs Podcast, now nearing 200 episodes and ranked as the leading show on Binance Live. He is also a Binance Feed Pioneer and a contributor to Cointelegraph Spanish.
Through bilingual English-Spanish content, he leads one of the most geographically diverse crypto communities, reaching over 1.5 million people globally. His work consistently centers on education, accessibility, and long-term belief-building rather than short-term narratives.
Market Awareness Beyond Commentary
In a recent post, Meneses shared a time-sensitive industry update:

“BREAKING: Crypto exchange Paxful will wind down operations after reaching a plea agreement that includes a $7.5M fine and user refunds. Sentencing set for Feb 10, 2026.”

The communication was factual and user-focused. Rather than fueling fear or speculation, it emphasized accountability and progress-reinforcing trust and responsible discourse within the industry.
Looking Beyond Content Creation
Meneses is increasingly focused on prediction markets and their potential for mass adoption. He views them as a convergence point between information, incentives, and decentralized participation.
The objective remains unchanged: to build, inspire, and connect. Not as a trend-driven creator, but as a long-term ecosystem builder shaping how Web3 is understood, used, and trusted.
Disclaimer: #BFMTimes provides information strictly for educational purposes and does not offer financial advice. Readers are advised to consult a qualified financial professional before making investment decisions.

Evan Luthra: Building, Investing, and Shaping the Future of Technology
#EvanLuthra is the founder and CEO of EL Group International, a global startup studio and investment firm focused on identifying and scaling high-growth technology ventures. His career reflects more than early entrepreneurial success; it represents long-term consistency across product building, angel investing, and cross-border innovation. Rather than following trends, Luthra has repeatedly positioned himself at the intersection of execution, scalability, and emerging technologies.
Learning by Building From a Young Age
Unlike many founders who enter technology through formal education or corporate roles, Evan Luthra began building products at just thirteen. What started as curiosity quickly evolved into hands-on creation. By his teenage years, he had already developed over thirty mobile applications, gaining real exposure to product development cycles, user behavior, and scaling challenges.
At seventeen, Luthra exited his first company-an experience that offered early lessons in acquisitions, valuations, and operational growth. Instead of treating the exit as an endpoint, he used it as a foundation for a long-term commitment to building technology-driven businesses, reinforcing a mindset centered on learning through execution rather than theory.
EL Group International: Scaling Innovation Globally
As founder and CEO of #ELGroupInternational , Luthra leads a globally active organization dedicated to creating, developing, and investing in technology-focused ventures. The firm operates across multiple geographies, reflecting his belief that innovation should not be restricted by borders.
The group’s portfolio spans mobile technology, digital platforms, emerging technologies, and blockchain-based products. Its core philosophy remains consistent: build scalable products, strengthen operational fundamentals, and prioritize long-term value creation over short-term hype. Luthra’s background as a product builder allows him to remain closely involved in execution-bridging the gap between vision and delivery, a capability often missing in fast-moving tech ecosystems.
Angel Investing Through a Startup Studio Lens
Beyond operating companies, Evan Luthra is an active angel investor who follows a startup studio model. His approach extends well beyond capital deployment. Founders receive mentorship, infrastructure support, and access to global markets-resources that are often critical in the earliest stages of growth.
By working closely with early-stage teams, Luthra helps founders refine ideas, develop products, and scale efficiently. This hands-on involvement reflects his belief that first-time founders benefit most from experienced operators who understand product-market fit, team building, and sustainable growth mechanics. Through this model, he has contributed to a more globally connected startup ecosystem built on collaboration rather than isolation.
Championing Web3 and Decentralized Infrastructure
A central focus of Luthra’s current work lies in Web3 and blockchain technology. He consistently advocates for decentralization, digital ownership, and the transition from platform-controlled systems to user-driven networks.
Rather than viewing blockchain as a speculative trend, Luthra positions it as foundational infrastructure for the future internet-one where creators, builders, and users maintain greater control over data, assets, and value creation. This perspective aligns with his broader philosophy: technology should distribute power, not concentrate it. His contributions have positioned him as a respected voice in discussions around decentralized innovation and digital economies.
Global Recognition and Industry Presence
Evan Luthra’s work has earned international recognition, including being named to the Forbes 30 Under 30 list. Beyond accolades, he is a frequent speaker at global technology, startup, and blockchain conferences, where he shares insights on entrepreneurship, emerging technologies, and navigating rapidly evolving digital landscapes.
His influence is rooted in execution and experience, not commentary alone. Years of building, investing, and operating across markets give his perspectives practical credibility within the global tech community.
Addressing Policy Barriers to Crypto Adoption
Luthra has also been vocal about regulatory challenges affecting global crypto adoption. In a recent public discussion, he highlighted how high crypto taxation in several countries could slow innovation and discourage builders and investors.
He pointed to jurisdictions with some of the highest crypto tax rates, including France (~62%), Japan (55%), Austria (55%), Denmark (~53%), Finland (~53%), Canada (~53%), Ireland (~52%), Sweden (~52%), Belgium (50%), Israel (50%), the United States (~50%), the Netherlands (49.5%), Spain (47%), Iceland (46%), and Germany (45%).
By drawing attention to this data, Luthra reinforced his view that balanced, forward-looking regulation plays a decisive role in fostering sustainable Web3 ecosystems.
Why Evan Luthra Remains Relevant
In an industry defined by rapid cycles and constant narrative shifts, Evan Luthra’s relevance stems from durability. From building mobile apps as a teenager to shaping conversations around Web3 infrastructure, his journey reflects adaptability, execution, and a clear understanding of where technology is headed.
As the digital economy becomes increasingly decentralized and globally interconnected, individuals who can bridge early-stage innovation with long-term sustainability matter more than ever. Evan Luthra stands out as one such figure-worth watching as Web3 and emerging technologies continue to evolve.

Disclaimer: #BFMTimes is an informational platform and does not provide financial advice. Readers are advised to consult a qualified financial professional before making any investment decisions.

Early Experiences and a Complex View of Money
#BrianJung was raised in the United States by first-generation immigrant parents, where money was a constant source of pressure rather than freedom. Like many families navigating limited financial security, discussions around money were often tied to anxiety, caution, and restraint. From an early age, Jung became acutely aware of financial limits and the emotional weight they carried.
That early exposure shaped how he viewed opportunity. Jung has spoken candidly about his uneasy relationship with money-not out of greed, but uncertainty. Over time, that discomfort evolved into curiosity. He began to see that understanding money, investments, and financial systems could unlock choices that once felt out of reach. This personal history continues to influence his work, as he presents financial literacy not as expertise handed down, but as a shared process that starts with confusion and builds toward clarity.
Building an Education-First Platform
Brian Jung is the founder and CEO of Jung Media and Kaizen, both focused on financial education and digital learning. His YouTube channel covers practical topics such as personal finance fundamentals, credit cards and credit-building strategies, and beginner-friendly explanations of investing and cryptocurrency.
With publicly reported figures exceeding one million subscribers and tens of millions of views, the channel has become an entry point for individuals who were never taught how money works. Jung’s content avoids jargon and assumes no prior knowledge. Rather than pushing specific products or strategies, his approach emphasizes understanding how financial systems function and how individuals can think critically within them.
Visibility Beyond Digital Media
Jung’s approach has extended beyond online platforms. He has appeared in Netflix’s documentary series Money, Explained, and his work has been featured by major outlets including Forbes, Bloomberg, CNBC, BBC, and Vogue. He has also delivered a TED-style talk, reinforcing his position as a public educator rather than solely a content creator.
These appearances place him at the intersection of traditional financial discourse and a younger, digitally native audience seeking accessible explanations rather than authoritative lectures.
Creating a Learning Ecosystem
Through Jung Media and Kaizen, Brian Jung has expanded into courses, educational tools, and community-based offerings designed to support financial learning. While these initiatives operate within a business framework, they are typically positioned as extensions of his educational mission rather than pure monetization efforts.
The emphasis remains on accessibility-providing structured frameworks and resources that individuals can engage with at their own pace, without pressure or exclusivity.
Transparency in Practice
In a recent post on X, Jung shared a candid operational moment:
“Just got a bill of $36,072.50 from X for our ‘Verified Organizations’ subscription. Did they always charge $600 per seat?”
The post resonated with founders and operators navigating rising platform costs and opaque pricing models. Rather than projecting polished success, Jung highlighted an uncomfortable but familiar reality of scaling digital businesses. This openness reflects a consistent pattern in his communication: direct, transparent, and rooted in real experience.
Why Brian Jung Is Seen as a #KOLcrypto
Brian Jung is widely regarded as a key opinion leader not because of viral reach, but because of credibility. His influence is built on consistent, education-first content, relatable narratives around money, a measured approach to complex topics, and an ability to connect everyday financial decisions to broader economic systems.
For audiences without formal financial backgrounds, his work functions more as guidance than instruction.
Looking Forward
Jung’s stated mission is straightforward yet ambitious: to educate, inspire, and empower individuals to build financial independence on their own terms. Rather than chasing trends, his focus remains on long-term understanding, grounded in the belief that education is one of the most durable forms of leverage in an increasingly uncertain world.
A Steady Voice in Modern Finance
In an environment dominated by noise and speculation, Brian Jung operates differently. He stands as an entrepreneur, educator, and consistent presence for those seeking to use money intentionally. His influence does not come from projecting certainty, but from helping others develop the confidence to find their own.
Disclaimer: #BFMTimes provides information strictly for educational and informational purposes and does not act as a financial advisor. Readers are encouraged to consult a qualified financial professional before making any investment decisions.

Stone is no longer defined solely as a content creator. Today, he operates as a digital entrepreneur who understands how influence, audience psychology, and scalable distribution intersect in the modern economy.
From Early Digital Experimentation to Influence at Scale
Details about #JasonStone ’s early personal life are largely absent by design. Rather than leaning on a dramatic backstory, his trajectory is best explained through his early immersion in digital business. He entered social media with a systems-first mindset, launching and managing motivational Instagram pages while closely analyzing performance metrics. This phase shaped his understanding of engagement behavior, content velocity, and how ideas spread online. The Millionaire Mentor brand emerged from this foundation, built on repeatable frameworks rather than personal theatrics.
Scaling Reach Through Discipline and Structure
Millionaire Mentor grew into a multi-million-follower platform by delivering concise, targeted insights focused on discipline, mindset, and long-term thinking. Stone has openly documented the development of multiple six-figure social media accounts, positioning platforms not as creative outlets, but as operational infrastructure. His restraint sets him apart. Instead of trend-hopping or emotional bait, the content consistently returns to universal principles-personal responsibility, patience, and clarity-making it globally relatable and highly shareable.
The MillMentor Operating Philosophy
At the center of Stone’s work is a clear conviction: outcomes are driven more by behavior than capital. His messaging emphasizes execution, self-discipline, and accountability over shortcuts or speculative optimism. MillMentor functions less like a motivational brand and more like a daily operating system. For many followers, the content acts as reinforcement-small, consistent inputs that compound over time.
Media Presence and Peer Collaboration
Stone regularly appears in digital interviews, podcasts, and discussions focused on entrepreneurship, social media growth, and mindset development. His work is frequently referenced in conversations around Instagram brand-building and content strategy. He has also collaborated openly with other creators in the personal development space, reinforcing his position as an active practitioner rather than a detached commentator.
Global Audience and Sustained Engagement
Millionaire Mentor’s reach spans geographies and demographics, driven by themes that translate across cultures. Engagement patterns suggest the content is consumed as part of a routine, not in isolated bursts-an indicator of lasting relevance within the creator economy. Stone continues to publish consistently across platforms, favoring sustained presence over short-lived visibility.
Shaping Modern Entrepreneurial Thinking
Jason Stone’s influence stems from his ability to simplify complex ideas without diluting their substance. Operating at the intersection of personal growth and digital entrepreneurship, he has built credibility by focusing on execution rather than exhibition. As Millionaire Mentor, his role continues to evolve-not as a concluded success story, but as a steady voice shaping how modern audiences think about discipline, growth, and long-term success.
Disclaimer: #BFMTimes provides information strictly for knowledge and educational purposes and does not offer financial advice. Readers are advised to consult a qualified financial professional before making investment decisions.

Rather than positioning himself as a market forecaster or price oracle, Kapoor has consistently framed his role around education. His focus has been clear from the start: helping participants understand volatility, manage risk, and remain active in the market long enough for opportunity to matter.
Wise Advice Crypto and Its Foundational Belief
#WiseAdvice Crypto is built on a principle many overlook in fast-moving markets-longevity comes before profitability. Through his platforms, #SumitKapoor emphasizes market structure, cycle awareness, and the psychological resilience required to operate in uncertain conditions.
His content deliberately avoids bold guarantees. Instead, it examines how narratives form during bull phases, how fear dominates during corrections, and how participants can learn to navigate both. This grounded approach has positioned Wise Advice Crypto as an education-led platform rather than a signal-based outlet.
Prioritising Survival Over Short-Term Gains
A recurring theme in Kapoor’s messaging is that staying in the game matters more than chasing outsized returns. He regularly addresses how unchecked leverage, emotional reactions, and herd behaviour can erase months of gains in minutes.
Importantly, he does not shy away from discussing losses-his own or those experienced across the market. By openly acknowledging mistakes, he reinforces the idea that experience compounds over time. This transparency has made his work particularly relevant for retail participants often exposed to speculative cycles.
Understanding Trends Without Following the Crowd
While Wise Advice Crypto does analyse emerging narratives, including altcoins and meme-driven markets, Kapoor remains cautious in framing opportunity. He frequently uses macro comparisons-such as shifts in ecosystem market capitalisation-to explain broader capital rotation rather than promoting specific trades.
The emphasis is on why attention is moving, not where to deploy capital blindly. This approach encourages followers to interrogate narratives, assess liquidity movement, and understand timing without assuming inevitability.
A Community Built Around Collective Learning
At the centre of Wise Advice Crypto is its community of over 1.3 million members. Rather than functioning as a one-way broadcast channel, the community operates as a shared learning environment.
Members openly discuss trades, missteps, sentiment shifts, and emerging narratives. This collective scrutiny helps reduce overreliance on any single viewpoint-including Kapoor’s-and strengthens individual decision-making through dialogue.
Industry Recognition and Credibility
Kapoor’s work has gained recognition beyond engagement metrics. His nomination for Forbes 30 Under 30 Portugal highlights his contribution to crypto education, while additional acknowledgements shared across his platforms reflect his growing standing as a leading Asian crypto voice.
These recognitions align with his consistent focus on education, risk awareness, and community development-rather than short-term influence or viral impact.
Meme Coins as a Lesson in Market Psychology
Commenting on the rise of a trending meme asset, Kapoor recently noted that such movements are driven by attention rather than utility. Rather than dismissing meme culture outright, he used the moment to explain how attention cycles function in crypto markets.
The takeaway was clear: popularity does not equal value. His framing reinforced the importance of separating emotional reactions from informed decision-making, especially during speculative surges.
Beyond Daily Updates: A Long-Term Educator
Over time, Kapoor’s role has evolved beyond commentary. His work increasingly reflects a long-term educational mission-helping everyday participants develop habits that allow them to remain engaged across multiple market cycles.
The priority is sustainability, not overnight success.
Why Wise Advice Continues to Resonate
Sumit Kapoor represents a disciplined, risk-aware voice in an industry dominated by noise. Through education, community engagement, and realistic framing, Wise Advice Crypto stands out by teaching not just how to enter markets-but how to stay in them.
Disclaimer: #BFMTimes is an informational platform and does not provide financial advice. Readers are advised to consult a qualified financial professional before making any investment decisions.

#CarlRunefelt has emerged as one of the most recognisable figures in the global Bitcoin community-an entrepreneur, investor, and the face behind The Moon Show . His recent space expedition is more than spectacle; it reflects a broader shift in how financial influence is built in the digital era-through discipline, transparency, and long-term conviction rather than short-lived hype.
From Ordinary Beginnings to a Market Awakening
Born in Sweden in 1994, Runefelt did not begin his career in finance, technology, or venture capital. He worked in a supermarket-an experience he has often described as grounding rather than restrictive. It was during this phase that he encountered Bitcoin, not as a speculative trend, but as a structural alternative to a traditional financial system that increasingly felt out of reach for younger generations.
With no formal background in markets, Runefelt turned to self-education. He immersed himself in macroeconomics, market cycles, and technical analysis, developing an independent, long-term mindset. This “learn first, leverage later” approach became foundational to his philosophy and continues to shape his public work.
The Moon Show: Education Over Noise
Runefelt’s public profile expanded through #TheMoonShow, a Bitcoin-focused platform built on consistency rather than sensationalism. Instead of chasing viral price predictions, the show concentrates on market structure, macro context, and simplified technical analysis-bridging fundamentals with charts in a way that prioritises understanding over excitement.
The underlying philosophy is deliberate repetition and daily discipline. For Runefelt, Bitcoin is not a short-term trade but a long-duration thesis. His audience has grown around this clarity of purpose, valuing education paired with conviction.
Builder First, Commentator Second
Beyond media, Runefelt has positioned himself firmly as a builder within the ecosystem. He is the founder and CEO of The Moon Group, operating across crypto media, investment, and advisory services. He is also the co-founder of Kasta, a crypto payments platform focused on simplifying digital transactions, and the founder of cryptojobs.com, a global marketplace connecting Web3 companies with talent.
In parallel, Runefelt is recognised as an active angel investor, with publicly disclosed involvement in hundreds of early-stage crypto and Web3 startups. These roles signal a consistent theme: participation beyond commentary, extending into infrastructure, products, and human capital.
Recognition and Global Reach
Runefelt’s work has gained traction across both crypto-native and mainstream platforms. He has been featured in Forbes 30 Under 30 and covered by outlets such as CNBC, FOX Business, Business Insider, and Cointelegraph. His social platforms collectively reach millions, reflecting a rare intersection of market credibility and mass visibility.
Alongside media presence, he is known for supporting early-stage founders and engaging in philanthropic initiatives-reinforcing his positioning as a contributor to the ecosystem rather than a passive observer.
Conferences and Industry Dialogue
According to confirmed reports, Runefelt has spoken at major crypto and Web3 conferences across Europe, Dubai, and other global hubs. His appearances consistently focus on Bitcoin adoption, market structure, and the long-term trajectory of digital assets, mirroring the themes of his educational content rather than promotional narratives.
Conviction Over Volatility
When Runefelt stated, “Buy Bitcoin now or cry later,” the remark drew attention for its bluntness. Yet the message aligns with a stance he has maintained across multiple market cycles. He frames Bitcoin as a long-term hedge within a shifting macro landscape-particularly as traditional markets reach extremes and commodities such as gold and silver regain momentum. It is a polarising view, but one rooted in macro analysis rather than short-term noise.
The Builder Behind the Brand
Ultimately, Carl “The Moon” Runefelt’s story is one of progression-from self-taught learner to educator, from commentator to ecosystem builder. His influence is driven less by prediction and more by sustained participation. In an industry often dominated by volume and volatility, his edge lies in consistency.
As Web3 continues to mature, figures like Runefelt demonstrate that credibility is built over time-and that real influence requires engagement not just on screens, but within the foundations of the ecosystem itself.
Disclaimer: #BFMTimes acts as a source of information for knowledge purposes and does not claim to be a financial advisor. Kindly consult your financial advisor before investing.

Davis first gained recognition through his independently run YouTube channel, launched in 2017. Over time, he established a loyal audience by breaking down how cryptocurrencies function, identifying recurring market behaviors, and helping viewers understand major developments across Bitcoin, Ethereum, stablecoins, and select alternative assets. His work focuses on education rather than speculation, making complex market movements easier to interpret for everyday investors.
#TheCryptoLark and His Content Style
At the center of Davis’s public presence is The Crypto Lark YouTube channel. The platform features frequent market updates, educational explainers, and analytical commentary designed to help viewers grasp price dynamics, sector rotations, and broader narrative shifts within the crypto economy.
Davis is known for a calm, long-term perspective. Instead of dramatic forecasts or sensational claims, he focuses on simplifying headlines, trends, and technical patterns. His approach allows audiences to understand market cycles and risk without being overwhelmed by volatility or noise.
Beyond YouTube, Davis regularly appears on crypto-focused podcasts, including The Milk Road Show, as well as his own audio formats. These discussions often explore macroeconomic forces behind Bitcoin, long-term investment frameworks, and strategies that do not depend on constant trading activity.
Investment Perspective and Market Approach
Davis’s commentary consistently emphasizes fundamentals and market cycles. He frequently discusses Bitcoin and Ethereum as core pillars of the crypto ecosystem, framing them within broader macroeconomic conditions and investor psychology.
Rather than promoting short-term gains, he advocates disciplined strategies such as dollar-cost averaging, sound risk management, and maintaining perspective during both downturns and euphoric rallies. In interviews, he has highlighted the importance of long-term portfolio construction as a way to manage crypto’s inherent volatility.
His coverage also extends to stablecoins, decentralized finance (DeFi), and carefully selected altcoins. Importantly, he explains not just what is happening in these areas, but why it matters for different types of investors.
Industry Presence and Events
Davis remains active in the wider crypto conversation through guest appearances on podcasts, interviews, and video discussions. His participation on platforms such as The Milk Road Show demonstrates his role in translating macro trends and asset narratives for a broad crypto audience.
Through consistent engagement beyond his own channel, Davis contributes to global market discourse, sharing insights with investors across regions and experience levels.
Community Impact and Reach
The scale of Davis’s YouTube presence reflects his influence. Independent analytics indicate that his long-running channel, featuring thousands of videos, has attracted hundreds of thousands of subscribers and accumulated millions of views, positioning it as a dependable source of ongoing market commentary.
However, his impact extends beyond numbers. #Davis is valued for bridging the gap between complex crypto concepts and everyday investors. Many viewers follow his content not for hype, but for clarity-seeking to understand market cycles, structural trends, and how major digital assets fit into the broader financial landscape.
This educational focus has helped establish Davis as a trusted voice in the crypto space. By consistently providing context alongside analysis, he enables audiences to look beyond short-term price movements and focus on the forces shaping digital asset markets over time.
In an industry often defined by noise and speculation, Davis’s measured and informative style has supported both newcomers and experienced participants in building a more grounded understanding of Bitcoin, Ethereum, stablecoins, and crypto market mechanics-contributing meaningfully to ongoing crypto literacy.
Disclaimer: #BFMTimes is an informational platform and does not provide financial advice. Readers are advised to consult a qualified financial advisor before making any investment decisions.

Yield-Bearing Digital Yuan: A Structural Shift in Digital Money
China has taken a decisive step forward in digital finance with the rollout of a revamped Digital Yuan (eCNY), now structured as a yield-bearing central bank digital currency. The updated eCNY replaces the earlier non-yielding model and offers an annual return of roughly 0.35%, a modest figure on paper but a major first in the global CBDC landscape.
At first glance, a 0.35% yield may appear insignificant. In practice, it is unprecedented. No major CBDC or widely used stablecoin currently distributes yield directly to holders. Even yield-linked instruments such as Binance’s BFUSD introduce counterparty and market risk and are typically limited to trading or liquidity strategies. A sovereign CBDC, by contrast, can be used for everyday payments while simultaneously accruing yield, without relying on private intermediaries.
What makes the eCNY notable is this fusion of two traditionally separate ideas. Stablecoins prioritise spendability and settlement, while yield-bearing products focus on returns. China has combined both into a single state-backed instrument, changing the value proposition of digital cash itself.
Why This Challenges Stablecoins
The real pressure point for stablecoins lies in adoption beyond China’s borders. If the eCNY gains traction in countries with deep trade relationships with China, it could trigger large-scale offshore usage. Businesses and governments would have a clear incentive to hold eCNY for settlement purposes while earning a guaranteed return simply by keeping balances on hand.
Most stablecoins today are denominated in US dollars and offer no yield to users. In a trade-driven context, that makes them less attractive than a CBDC that pays holders for liquidity they already need. Over time, this could erode stablecoin dominance in specific corridors tied closely to Chinese trade.
Why USD Stablecoins Cannot Easily Respond
USD-backed stablecoins such as #USDT , #USDC , FDUSD, and PYUSD already generate yield internally by investing reserves in short-term US government securities. That yield is retained by issuers as revenue. Passing it on to users would dramatically compress margins and could spark a competitive race to the bottom.
There is also a systemic constraint. If stablecoins began paying yield at scale, they would start to resemble deposit products, raising regulatory red flags and potentially destabilising traditional banking models. With a US-issued CBDC still politically unlikely, matching the eCNY’s structure is not a straightforward option.
The Broader #CBDC Landscape
Most other CBDCs remain conservative by design. They function as digital cash equivalents with no built-in yield, prioritising control and stability over innovation. This makes China’s move difficult to replicate in the short term.
India’s Digital #Rupee is one potential exception. With policy rates above 5%, there is theoretical room for a yield-bearing eRupee if the Reserve Bank of India chose to pursue that path. Even a small return could materially change domestic adoption incentives.
Nigeria’s eNaira has accumulated real-world experience as one of the earliest CBDCs, while Russia’s digital ruble emerged primarily as a workaround after sanctions disrupted access to global payment rails. Neither currently offers yield, limiting their competitive scope.
The Strategic Takeaway
The yield-bearing eCNY is not about headline returns. It is about redesigning money to reward usage and retention at the sovereign level. If adoption expands through trade networks, this model could quietly reshape how digital currencies compete, not just on stability or ideology, but on tangible economic incentives.
Disclaimer: #BFMTimes provides information for educational purposes only and does not offer financial advice. Readers should consult qualified professionals before making investment decisions.

Choosing the Right #stablecoin Model
Stablecoins attract users because they are designed to hold a steady value. Before anything else, a project must decide how that stability will be maintained. In most cases, the goal is simple: keep the token pegged to $1. Achieving that peg typically follows one of three established approaches.
The most widely accepted option is the fiat-backed model. This structure is favoured by regulators and institutions. Tokens such as #USDC and #USDT follow this approach by holding one dollar, or an equivalent low-risk asset like U.S. Treasury bills, for every token in circulation. Its appeal lies in transparency and simplicity, making it easy for users to trust.
The second approach is crypto-backed stablecoins. These rely on smart contracts that lock up cryptocurrencies as collateral. To account for market volatility, they are overcollateralised. For example, $150 worth of Ethereum may be locked to issue $100 worth of stablecoins. This buffer helps absorb price fluctuations in the underlying asset.
The third option is the algorithmic or hybrid model, which attempts to maintain the peg through automated supply adjustments and economic incentives rather than direct backing. While innovative, this design has largely fallen out of favour after the collapse of Terra in 2022. As a result, many jurisdictions, including the European Union, now restrict or ban purely algorithmic stablecoins.
The Regulatory Reality
Regulation is no longer optional-it is the single biggest hurdle to launching a stablecoin. Each jurisdiction enforces its own framework, and non-compliance can shut a project down before it begins.
In the United States, legislation such as the GENIUS Act and the Clarity Act sets strict conditions. Issuers are generally required to be licensed banks or state-approved entities, with mandatory monthly disclosures proving reserve backing. In the European Union, MiCAR governs stablecoins and requires issuers to obtain an Electronic Money Institution license, alongside full reserve backing.
Other regions, including Hong Kong and the UAE, apply similar standards. Many require a local legal presence and reserves held in domestic currency. These requirements make entry costly. Even in relatively friendly jurisdictions like Singapore, legal fees alone can reach $50,000. In the U.S., total compliance costs can easily exceed $500,000.
Building the Technical Foundation
On the technical side, most stablecoins are built on well-established blockchains such as Ethereum or Solana due to their security, developer ecosystems, and tooling.
Regulated stablecoins must also include advanced controls in their smart contracts. These often allow authorised parties to mint, burn, or freeze tokens in response to hacks, theft, or legal orders. Without these safeguards, regulators are unlikely to grant approval.
Reliable price data is another requirement. Projects typically integrate decentralised oracle networks to track real-time market prices. Security audits are mandatory, with firms charging anywhere between $5,000 and $30,000 per audit, depending on complexity.
Bridging #crypto and Traditional Finance
For fiat-backed stablecoins, connecting to the traditional banking system is often the most challenging step. Issuers must partner with a qualified custodian to securely hold user funds.
To simplify this process, many teams rely on “stablecoin-as-a-service” providers. These platforms offer APIs that manage custody and banking integrations, reducing setup time but adding recurring fees.
In addition, issuers must work with accounting firms to publish monthly proof-of-reserves reports. Between technology, audits, and compliance, core infrastructure costs typically range from $20,000 to $60,000, while legal expenses can span $50,000 to well over $250,000.
Liquidity is another major consideration. Launching a usable stablecoin often requires between $100,000 and $1 million in initial liquidity, plus marketing budgets of $50,000 to $150,000.
All told, launching a compliant stablecoin usually costs between $220,000 and $1.5 million and takes at least seven months from planning to deployment.
Disclaimer: #BFMTimes provides information for educational purposes only and does not offer financial advice. Readers should consult qualified professionals before making any financial decisions.

Intro
The crypto landscape has tightened dramatically over the past few years, and buying Monero is no longer as straightforward as it once was. As regulatory pressure intensifies worldwide, financial privacy has become harder to protect. Governments are demanding deeper transparency, while major platforms increasingly distance themselves from privacy-focused assets.
Yet interest in private money has not faded. In fact, it is growing. This guide explains where and how to buy XMR today-and why Monero’s role matters more than ever.
Where to Buy #Monero on Centralised #exchange
Monero has quietly disappeared from many mainstream exchanges as platforms rush to comply with tightening regulations. Most domestic services have delisted XMR entirely. That said, a few international exchanges continue to support it, though access comes with trade-offs.
Users must complete full identity verification before trading.
#MEXC remains one of the most active venues for Monero, offering pairs such as XMR/USDT and XMR/USDC. Kraken still supports XMR trading for users in the United States and Canada, although services have been discontinued across Europe and the UK. KuCoin also remains an option for users outside heavily regulated jurisdictions.
Fast Swaps and Non-Custodial Services
For users who already hold assets like Bitcoin or Litecoin, instant swap services provide a faster route to Monero. These platforms allow direct crypto-to-crypto exchanges without requiring full exchange accounts.
Many of these services deliver XMR straight to personal wallets, removing custodial risk. Popular options include Changelly and ChangeNOW, which typically operate without mandatory logins. However, large transactions may still trigger identity verification requests, depending on the size and risk profile of the swap.
Using P2P and Decentralised Platforms to Buy Monero
Some users prefer to bypass centralised platforms entirely. Peer-to-peer trading allows buyers and sellers to transact directly, avoiding intermediaries and corporate oversight.
Haveno has emerged as a major player in this space. Designed specifically for Monero, it functions as a decentralised exchange with no central authority, making shutdowns or censorship extremely difficult. It effectively fills the gap left by older platforms such as LocalMonero.
Bisq is another respected open-source option, offering decentralised Bitcoin-based trades that can be bridged into XMR.
Why Exchanges Ban Monero in the First Place
Monero’s removal from exchanges is often misunderstood. The network itself is not flawed, hacked, or compromised. Quite the opposite-the issue is that it performs exactly as designed.
Regulators demand transaction traceability. Monero deliberately eliminates it.
Through stealth addresses and ring signatures, Monero obscures sender, receiver, and transaction history. This makes compliance reporting impossible for exchanges. Faced with regulatory penalties, many platforms choose delisting over legal exposure.
Importantly, exchange bans do not automatically make Monero illegal. In most regions, individuals are still allowed to hold, mine, and use XMR. The restrictions primarily target businesses, not users.
The Privacy Premium
An unintended consequence of these restrictions is emerging in the market. As Monero becomes harder to acquire, prices on peer-to-peer platforms often exceed those on traditional exchanges. This markup is known as the “privacy premium.”
Demand for untraceable assets is rising as financial surveillance expands and governments explore Central Bank Digital Currencies that monitor spending behavior. For many, Monero is no longer just a cryptocurrency-it is a hedge against a fully transparent financial future.
Disclaimer: #BFMTimes provides information strictly for educational purposes and does not offer financial advice. Readers should consult a qualified financial professional before making any investment decisions.

$XMR

New data from Chainalysis and TRM Labs confirms a grim milestone: crypto-related theft surged to a record $158 billion last year. The scale alone is alarming, but the bigger threat lies in how scams are evolving.
Fraudsters are now deploying AI-driven tools to make deception more convincing than ever. Protecting your capital today requires more than caution-it demands awareness of modern scam mechanics and the discipline to avoid them.
The Most Common #CryptoScam You Must Avoid
Understanding how these schemes work is the first line of defense. Today’s attackers are sophisticated operators, not amateurs.
1. Advanced Phishing Attacks
Phishing remains the leading cause of crypto losses. Scammers impersonate trusted platforms like Coinbase or Binance, sending emails or messages that appear legitimate.
These messages often claim suspicious account activity and urge immediate action. Clicking the embedded link redirects users to a near-perfect replica of the real website, designed solely to steal login credentials.
2. AI-Powered Deepfake Giveaways
AI has transformed giveaway scams into high-believability traps. Fake “live” streams on #YouTube or #X now feature realistic deepfake videos of figures such as Elon Musk or Vitalik Buterin.
Victims are promised instant returns-typically a doubling of Bitcoin or Ethereum-if they send funds to a displayed address. One such deepfake stream featuring Elon Musk extracted $5 million in just 20 minutes before being taken down.
3. Pig Butchering and Romance Scams
This long-form scam begins with casual interaction, often on WhatsApp or dating platforms. The attacker patiently builds trust over weeks or months.
Once rapport is established, they introduce a supposed crypto trading strategy and guide victims to a fake platform showing fabricated profits. When withdrawals are attempted, victims face endless “taxes” and “fees” until their funds are fully drained.
4. Address Poisoning
Address poisoning exploits user habits. Scammers generate “vanity addresses” that closely resemble a victim’s wallet address, matching the first and last characters.
They send a small transaction to the target wallet so their address appears in transaction history. When users later copy an address from history, they may unknowingly paste the attacker’s address instead.
5. Crypto Drainers
Drainers are malicious scripts embedded in fake airdrops, NFT mints, or promotional sites. Victims believe they are simply connecting their wallet.
In reality, they sign a transaction granting full spending permissions. Once approved, attackers can empty the wallet instantly. These drainer kits are widely sold on the dark web for as little as $50.
Technical Exploits and Silent Attacks
Some scams require no interaction beyond everyday usage, making them especially dangerous.
6. Keyloggers
Keyloggers are hidden malware that record everything typed on a device. In crypto, they are used to capture wallet seed phrases.
If a user enters their recovery phrase on an infected device, the attacker receives it instantly. Possession of the seed phrase grants permanent and irreversible access to the wallet.
7. DeFi Rug Pulls
Rug pulls are especially common in new memecoin launches. Developers aggressively market a token, attract liquidity, and wait for price momentum.
Once sufficient capital flows in, they remove all liquidity and abandon the project, leaving holders with worthless tokens.
8. Fake Exchanges and Mobile Apps
Some attackers successfully publish fraudulent apps on official app stores. These platforms promise unrealistic incentives such as zero fees or guaranteed weekly returns.
To build trust, small withdrawals may initially be allowed. Once a larger deposit is made, the app disappears-and so does the money.
9. Recovery Scams
Often referred to as “the scam after the scam,” recovery fraud targets victims who have already lost funds.
Self-proclaimed “white-hat hackers” offer to retrieve stolen crypto for an upfront fee. In many cases, these actors are connected to the original scam-or simply repeat the theft under a new pretext.
10. Pump and Dump Groups
Organised groups on Telegram coordinate mass buying of low-liquidity tokens. Early participants drive the price sharply higher.
By the time the wider audience buys in, insiders have already exited. Prices collapse within seconds, leaving late buyers holding worthless assets.
The Bottom Line: Security Is a Habit, Not a Feature
Surviving in crypto today requires a fundamental shift in behavior. Weak passwords and basic protections are no longer sufficient.
Use hardware wallets such as Ledger or Trezor for long-term storage. Avoid SMS-based two-factor authentication, as SIM-swap attacks remain common. Instead, rely on authenticator apps like Google Authenticator or physical security keys such as YubiKey.
In crypto, convenience is often the enemy of safety. Discipline is the real edge.
Disclaimer: #BFMTimes provides information strictly for educational purposes and does not offer financial advice. Always consult a qualified financial advisor before making investment decisions.

The #CLARITYAct ’s Core Objective
The CLARITY Act is designed to end regulation by ambush. For nearly a decade, the crypto sector has operated under constant legal uncertainty as the SEC pursued enforcement without clear boundaries. This bill attempts to reset that dynamic by drawing firm jurisdictional lines between the SEC and the CFTC. It defines what falls under securities law and assigns the rest to commodities oversight, creating the long-requested regulatory playbook institutional capital has been waiting for. A revised draft surfaced in the Senate on January 12, with committee markups now underway. The proposal even includes an “innovation exemption” backed by new SEC Chair Paul Atkins. Still, consensus is far from guaranteed.
The #stablecoin Rewards Flashpoint
Coinbase has been one of the CLARITY Act’s most vocal champions-up to a point. That support may evaporate if the bill restricts stablecoin rewards. These rewards allow users to earn yield on assets such as USDC, and they form a meaningful part of Coinbase’s revenue model. Traditional banks are aggressively lobbying to block non-banks from offering such products, arguing crypto platforms resemble banks without meeting the same regulatory standards. For Coinbase, this is non-negotiable. Subscription and service revenue, including rewards, generated close to $700 million last year. Removing that income stream would materially weaken the business, especially during periods of low trading activity.
What Counts as a “Mature” #blockchain
For developers, Section 205 may be the most consequential provision in the bill. It introduces a formal pathway for a network to be recognized as decentralized. If a project notifies the SEC and faces no objection within a defined window, its token can be reclassified as a digital commodity and fall under CFTC oversight. To qualify, three criteria must be met: no single entity may control more than 20% of the supply, the token’s value must stem from network usage rather than a central promoter, and no party may retain unilateral control over protocol changes. Coinbase argues these rules finally provide the certainty needed to build in the US without fear.
Why Timing Matters So Much
The urgency around passing the CLARITY Act is political. Pro-crypto lawmakers currently hold a narrow advantage, but the 2026 midterm elections could upend that balance. A shift in control could stall the bill indefinitely, delay it until 2027, or result in a harsher rewrite. For investors and companies alike, this window may be the only realistic chance to lock in a workable regulatory framework before the political landscape changes.
A Defining Moment for US Crypto Policy
The next three months will signal whether the United States intends to lead in digital finance or continue drifting in regulatory uncertainty. For Coinbase, the CLARITY Act represents the final transition from industry outsider to regulated incumbent. CEO Brian Armstrong has been explicit: clarity is meaningless if it strips away the incentives that make crypto functional. Coinbase is prepared to withdraw political backing to defend its core model. The outcome of this standoff will shape not just one company’s future, but the trajectory of the entire US crypto market.
Disclaimer: #BFMTimes provides information strictly for educational purposes and does not offer financial advice. Readers should consult a qualified financial advisor before making investment decisions.

#X is no longer content with being just a place for conversation. Under #ElonMusk ’s direction, the platform is steadily evolving into a real-time financial intelligence layer. In mid-January, X began rolling out a major upgrade to its market features, signaling a clear push beyond traditional social networking.
At the center of this shift is a new feature called Smart Cashtags.
These enhanced tags embed live cryptocurrency prices and stock market data directly into posts. Instead of static symbols, users now see real-time market information without ever leaving their feed. For X’s nearly 700 million active users, this removes a long-standing friction point: the need to jump between apps to track prices while following market discussions.
From Static Symbols to Live Market Objects
Previously, cashtags on X functioned as simple discovery tools. Clicking on a symbol like $BTC merely surfaced a stream of related posts. That limitation is now gone.
With the update, cashtags become interactive financial objects. When a ticker is mentioned, X’s backend automatically recognizes the asset and generates a live data panel beneath the post. This system is powered through a partnership with TradingView, transforming ordinary posts into compact market dashboards.
Each widget delivers continuously updating price quotes, simplified candlestick charts covering recent performance, and a sentiment heatmap indicating whether market conversation leans bullish or bearish. Crucially, Smart Cashtags also support smart-contract verification, allowing creators to link official token addresses. This helps eliminate confusion around duplicate tickers and significantly reduces exposure to scam or honeypot assets.
Information Today, Execution Tomorrow
For now, Smart Cashtags focus on visibility and data. But the roadmap points clearly toward transaction capability. Mockups shared by X’s Head of Product, Nikita Bier, reveal integrated Buy and Sell buttons within the widgets.
X is not positioning itself as a regulated exchange. Instead, it aims to operate as a routing layer. In practice, a user could spot a price movement in their feed, tap “Buy,” and have the order executed through partners such as Coinbase or Robinhood-all without breaking the flow of conversation.
Faster Markets, Shorter Reaction Windows
The integration of live pricing is likely to compress market reaction times even further. X has long been a leading signal for sentiment-driven price movements, a dynamic often referred to as the “Elon Musk Effect.” With Smart Cashtags, the gap between seeing news and responding to it has effectively disappeared.
Early January data underscores the impact. Posts using Smart Cashtags are already generating roughly 3.5 times more engagement than traditional text-only tickers, highlighting how tightly information and attention are now converging.
Where This Is Headed Next
Crypto is only the opening chapter. X’s internal roadmap for the remainder of 2026 outlines plans to extend Smart Cashtags to real-world assets, including tokenised gold and on-chain real estate pricing.
A dedicated Portfolio View is also under development. This feature would allow users to connect wallets such as MetaMask and Phantom directly to their accounts, enabling real-time net-worth tracking as users scroll their feed. The system may also support NFT market data, including floor prices for collections like Bored Ape Yacht Club.
Taken together, these changes point to a clear outcome: the boundary between discussing markets and acting on them is rapidly dissolving. X is positioning itself not just as a place where markets are talked about-but where they are experienced in real time.
Disclaimer: #BFMTimes provides information strictly for educational purposes and does not offer financial advice. Readers should consult a qualified financial advisor before making any investment decisions.

Today, the picture has shifted dramatically. Under the direction of CEO John J. Ray III, the FTX estate is now approaching the final phase of its long and complex recovery effort.
The focus has moved decisively toward returning billions of dollars to customers and creditors who were impacted by the collapse. While the process has taken years, tangible outcomes are now emerging, offering long-awaited clarity for thousands of affected users.
Payout Timelines and the FTX Recovery Schedule
The estate is operating under a structured “waterfall” distribution framework designed to ensure equitable treatment across all claimants.
Earlier stages prioritised smaller convenience claims, allowing quick resolutions for low-value accounts. Attention is now shifting toward larger customer balances. On January 13, the trust published an updated recovery calendar outlining the next phases of distribution, giving creditors greater visibility into expected timelines.
February 14 has been set as the official record date. Claims must be finalised by then to qualify for the upcoming payout round.
Distributions are scheduled to begin on March 31. The estate aims to complete the majority of approved claims by late 2026.
To facilitate payments, the recovery process relies on three distribution partners: BitGo, Kraken, and Payoneer. To date, more than $7.1 billion has already been returned to creditors across three distribution rounds conducted last year.
Turning a Deficit into Billions
Few anticipated that the estate would be able to recover such substantial funds. Initial assessments pointed to a severe shortfall and a deeply impaired balance sheet.
Current estimates, however, place recoverable assets between $16 billion and $17.5 billion. This turnaround has been driven by multiple asset sales, including venture investments. One notable example was the sale of FTX’s stake in Anthropic, which generated approximately $827 million.
Additional funds were recovered through the sale of luxury real estate in the Bahamas and the reclamation of institutional cash holdings. A critical breakthrough came when the IRS agreed to significantly reduce its tax claim. Rather than pursuing $24 billion, the agency accepted a far smaller settlement, allowing customer claims to take precedence.
As a result of these efforts, many creditors are now expected to receive more than 100% of their original claim value.
The Controversy Around the Petition Date Rule
Despite the strong recovery figures, frustration remains among many affected users. The court ruled that all claims must be valued based on asset prices as of early November 2022.
For investors, this has been a major point of contention, as crypto markets were near cycle lows at that time.
Bitcoin, for example, is now trading significantly higher. However, users who lost one Bitcoin will not receive one Bitcoin in return. Instead, they are entitled to a cash equivalent of approximately $16,871, plus interest.
From a legal standpoint, the petition date rule ensures consistency and predictability by treating all creditors equally, regardless of asset type. While this approach maintains fairness in calculation, it also means victims do not benefit from the subsequent market rally.
Reduction of the Disputed Claims Reserve
An update released on January 13 delivered positive news for the general creditor pool.
FTX requested court approval to reduce its disputed claims reserve by $2.2 billion. These reserves are typically held to cover claims still under legal review. By lowering the reserve from $4.6 billion to $2.4 billion, the estate signaled confidence that many disputed claims have either been resolved or dismissed.
Advisors from Alvarez & Marsal argued that the original reserve was excessive. Releasing this $2.2 billion back into the main distribution pool increases the amount available for the March 31 payout, directly benefiting approved creditors.
Disclaimer: BFM Times provides information strictly for educational and informational purposes and does not offer financial advice. Readers should consult a qualified financial advisor before making any investment decisions.

This event occurs once every four years and is enforced directly by Bitcoin’s code. It exists to guarantee that Bitcoin’s supply remains strictly limited over time.
Unlike fiat currencies, Bitcoin cannot be printed at will. No central authority can alter its issuance schedule. The 2028 halving will mark the fifth such event since Bitcoin launched in 2009, reinforcing its role as a predictable, scarcity-driven monetary system.
The Mechanics Behind the 2028 Bitcoin Halving
Bitcoin does not measure time in days or years. Instead, it operates on blocks.
Every 210,000 blocks-roughly every four years-the protocol automatically reduces the number of new coins awarded to miners by 50 percent. This programmed supply cut is known as a Bitcoin halving.
At present, miners earn 3.125 BTC per block. When the network reaches block height 1,050,000, that reward will fall to 1.5625 BTC.
As a result, daily Bitcoin issuance will drop from about 450 BTC to just 225 BTC. Annual inflation will decline to roughly 0.4 percent, undercutting even gold’s supply growth rate.
At that point, Bitcoin becomes one of the most supply-restricted assets ever created. If demand holds steady-or rises-basic economics suggests upward pressure on price.
Historically, investors have paid close attention to these cycles. Every previous halving has been followed by significant long-term price appreciation.
In 2012, Bitcoin traded near $12. By the 2020 halving, it was around $8,800.
The 2028 halving will occur in a far more mature market. With Bitcoin’s market capitalization already measured in trillions, price movements may be slower. Even so, the underlying supply mechanics remain unchanged, and post-halving appreciation has been a recurring pattern.
Institutional Demand Reshapes the 2028 Cycle
This cycle is fundamentally different from Bitcoin’s early years.
Earlier halvings were driven largely by retail speculation. Today, institutional capital is a dominant force.
By 2028, spot Bitcoin ETFs will have been operating for four years, steadily absorbing supply. Large financial institutions are already acquiring Bitcoin faster than miners can produce it, creating what some analysts describe as a liquidity vacuum.
When issuance is cut again in 2028, that supply-demand imbalance is likely to intensify. Sovereign wealth funds may also begin allocating Bitcoin as part of their reserve strategies.
Rising global debt adds another layer to the narrative. Governments frequently respond to debt pressure by devaluing their currencies. Bitcoin, capped at 21 million coins, offers an alternative that cannot be inflated.
As 2028 approaches, its “digital gold” thesis may become harder for global markets to ignore.
Mining Economics and the Shift Toward Fees
Miners secure the Bitcoin network, but halving events compress their margins.
When block rewards shrink, inefficient operations are forced out. The 2028 halving is expected to accelerate consolidation, favoring large-scale miners with access to cheap energy sources such as renewables or stranded gas.
Over time, transaction fees must compensate for declining block subsidies. A stronger fee market is essential for long-term network security as Bitcoin moves deeper into its fixed-supply era.
Price Outlook for Bitcoin’s Fifth Epoch
Bitcoin price forecasting is never precise, but historical behavior provides useful context.
Following the peak of the current cycle that began in 2024, Bitcoin could enter a consolidation phase. A price base between $90,000 and $110,000 is plausible, where long-term holders and institutions continue accumulating.
As the 2028 halving approaches, a pre-halving rally may emerge. By early 2028, prices could range between $180,000 and $250,000. Historically, however, the most powerful moves occur months after the supply cut.
If past cycles repeat, the peak of this fifth epoch may arrive in 2029. Conservative models point toward $350,000, while more aggressive projections exceed $500,000-potentially triggered by a major nation-state adding Bitcoin to its reserves.
Disclaimer: BFM Times provides information strictly for educational purposes and does not offer financial advice. Readers should consult a qualified financial advisor before making investment decisions.