Event Announcement News
Xingwen Guo is Blending Finance and AI to Form a New Approach to Financial Management
Among rapidly evolving global markets, new financial strategies are emerging that mix traditional accounting practices with data-driven innovation. From corporate finance operations to systemic risk modeling, these approaches are helping organizations improve stability, regulatory alignment, and long-term growth. In recent research, a new early warning model was developed to predict systemic financial risk using ensemble classification algorithms, specifically Bagging, Boosting, and Random Forests. This model applies machine learning to large-scale financial data, integrating it with traditional financial risk theory to predict the likelihood of systemic crises more accurately. Compared to traditional single-method models, this ensemble approach shows greater accuracy and reliability in identifying warning signs. What sets this research apart is its ability to go beyond static financial metrics and linear forecasting. By combining several algorithms, the model addresses the limitations of relying on just one method, creating a more flexible and robust system. The integration of financial theory with modern machine learning offers practical value for regulators and institutions seeking to stay ahead of market instability. Xingwen Guo is using this research alongside his work in corporate finance and taxation to contribute to the shift towards data-driven finance. At JWC Food Corporation in London, he manages VAT operations, conducts weekly bank reconciliations, and leads financial communication across departments. Additionally, he has resolved over 80 corporate finance cases, mixing financial operations with budgeting and marketing implementation. Thus, work is further distinguished by a hands-on understanding of financial documentation, operational detail, and academic rigor. Guo has developed a financial risk monitoring system, authored a personal monograph titled Financial Security , and has published six academic articles on financial stability and market regulations. All of Guo’s accomplishments are backed by a Bachelor’s degree in Financial Management and a Master’s degree in Banking Economics. These efforts contribute to a broader vision of promoting economic growth and employment through more resilient financial systems. As financial systems evolve alongside new technologies and global pressures, the ability to combine research with practical insight is becoming increasingly essential. This work highlights how professionals in finance can help shape stronger, smarter, and more resilient institutions for the future.
Crux Commercial Partners Arranges $19M Proforma LIHTC Multifamily Loan in PNW
Crux Commercial Partners Secures $3M Construction-to-Perm Loan for Multifamily Project in Northwest Washington
Safetyvalue Trading Center Expands Global Multilingual Support
- June 27, 2025Finance & Loan
Madel Baroma Announces Leadership in Financial Solutions and Personal Empowerment through MB Financial Solutions PLLC and Maria Skin
Empowering Through Financial Solutions and Personal Growth Madel Baroma, a dynamic entrepreneur, author, and advocate for personal transformation, has established herself as a trailblazer in multiple industries. As the CEO and Founder of MB Financial Solutions PLLC, Baroma provides innovative financial services designed to empower individuals and families to achieve financial stability and success. Through her leadership, MB Financial Solutions helps clients navigate the complexities of financial planning, tax services, and wealth management. In addition to her financial expertise, Baroma is also the CEO of Maria Skin, a skin care company that blends her passion for health and wellness with her entrepreneurial vision. With a focus on holistic beauty solutions, Maria Skin empowers individuals to embrace their natural beauty while prioritizing self-care. Baroma’s dedication to service and transformation extends beyond her businesses. Madel Baroma is a certified life coach, trainer, and speaker, offering coaching services to individuals seeking personal and professional growth. Her expertise in physical therapy enhances her understanding of the body and mind, supporting her holistic approach to transformation. Courage and Resilience: The Foundation of Growth For Baroma, courage is at the heart of all meaningful growth. “Courage begins with the willingness to face whatever challenges arise directly, rather than avoiding discomfort,” she says. “The ‘courage to face whatever is thrown at you’ forms the foundation for all meaningful growth. Without this fundamental willingness to engage with difficulty, other qualities and capabilities remain theoretical rather than practical.” Baroma’s perspective on courage stems from her own journey of overcoming adversity. As a mother of three and a Filipina immigrant, she understands the power of resilience in the face of hardship. Her experiences as a business owner and professional have shaped her belief that courage is not about being fearless, but rather about acting despite fear. Drawing inspiration from children’s natural ability to face challenges with curiosity and boldness, Baroma encourages others to reclaim their own childlike courage. “Kids don’t have that fear vocabulary. They just jump,” she explains. “They approach new experiences with curiosity, trying things without excessive concern about failure. Reclaiming this childlike boldness opens possibilities that excessive caution forecloses.” A Multi-Faceted Approach to Success Baroma’s diverse accomplishments make her a unique figure in both the financial and wellness spaces. As a published author of Chasing Butterflies , she shares her personal story of overcoming setbacks and finding purpose. She is also a certified tax specialist, providing expertise in tax planning and preparation through her financial services practice. Her business ventures reflect a deep commitment to personal transformation and empowerment, inspiring others to pursue their dreams without fear of failure. Whether through financial planning, skin care solutions, life coaching, or public speaking, Baroma’s mission remains to equip and encourage others to build lives of meaning, purpose, and lasting impact. About Madel Baroma Madel Baroma is a passionate author, entrepreneur, and advocate for personal transformation. A proud Filipina immigrant, Baroma brings her unique perspective as a mother, wife, and entrepreneur to every story she shares. As the CEO and Founder of MB Financial Solutions PLLC and Maria Skin, she offers comprehensive financial solutions and skin care products designed to help individuals live healthier, more fulfilling lives. Baroma’s expertise extends to life coaching and mentorship, empowering others to embrace their purpose and build resilience in the face of challenges. Media Contact: Madel Baroma CEO, Owner, Founder, MB Financial Solutions PLLC & Maria Skin Email: [email protected] Website: mariaskin.com LinkedIn: Dr. Madel Baroma
- June 27, 2025Finance & Loan
CashFlowLR Releases Side-by-Side Comparison of Capital One Venture Rewards and Wells Fargo Active Cash Credit Cards
As consumers face an expanding array of credit card options in a competitive financial landscape, a new in-depth feature on Cashflowlr provides a detailed analysis comparing the Capital One Venture Rewards and Wells Fargo Active Cash credit cards. Designed to clarify the fundamental differences between two widely adopted rewards products, the review helps users evaluate which card aligns more effectively with their spending habits, reward preferences, and financial goals. The full breakdown is available at Compare Capital One Venture Rewards vs Wells Fargo Active Cash . Contrasting Cash Back Simplicity with Travel-Focused Versatility The comparison explores how each card addresses distinct consumer needs through reward structure, annual cost, and redemption models. The Wells Fargo Active Cash card offers a flat 2% cash back on all purchases with no rotating categories or reward ceilings, positioning it as an option for users seeking predictable, passive returns on everyday spending. In contrast, the Capital One Venture Rewards card offers 2X miles on every dollar spent, along with additional incentives when redeemed for travel expenses, which may appeal more to consumers who prioritize booking flexibility, frequent travel, and premium perks. Additional categories examined include each card’s welcome bonus value, foreign transaction policies, APR ranges, and the fine print behind redemption procedures. These distinctions are laid out in a side-by-side format to support transparent evaluation by consumers seeking either long-term value or short-term incentives. Key Evaluation Criteria and Practical Use Cases The analysis on Cashflowlr organizes card features under direct, user-centric categories, enabling readers to make efficient comparisons based on real-world usage. This includes overviews of: Annual fee structure and the net impact of sign-up offers Reward delivery mechanics, including how and when benefits are issued Redemption limitations for both travel and cash-based models Accessibility in terms of approval likelihood and credit requirement Compatibility with personal finance strategies, such as debt payoff or travel optimization The guide also identifies user profiles best suited for each product, such as high-frequency travelers who maximize point conversion with Capital One’s travel partners, versus everyday spenders looking for immediate, unrestricted cash back with Wells Fargo’s simpler framework. Context in a Shifting Credit Card Market In an environment where both interest rates and consumer debt are rising, selecting the right credit card is increasingly about function over flash. Consumers are now more focused on transparency, fee justification, and flexibility of rewards. Credit card issuers are responding with products that attempt to strike a balance between incentive structures and simplified returns, making it more important than ever for users to understand the trade-offs between tiers, terms, and target demographics. The side-by-side breakdown provided by Cashflowlr is structured to serve as a decision-making resource, especially for those navigating a first-time rewards card decision or comparing products while managing other forms of personal credit. About Cashflowlr Cashflowlr is an independent financial information platform that guides users through informed decisions across various personal finance topics. With a mission to simplify money choices, the site provides structured breakdowns of credit card offerings, loan products, and financial tools, emphasizing clarity, relevance, and impartiality. Each article is developed through firsthand data analysis and structured for practical value rather than promotional messaging. For more details and to access the full analysis, visit: Compare Capital One Venture Rewards vs Wells Fargo Active Cash
- June 26, 2025Finance & Loan
Utah County Home & Auto Insurance Bundles Announced By Saratoga Springs Agents
Alink Insurance announces expanded home and auto insurance bundle services across Utah County. The independent insurance agency offers combined coverage packages that provide significant savings for families in American Fork, Saratoga Springs, Eagle Mountain, and Lehi. For more details, visit https://www.alink2insurance.com/ Alink Insurance works with over 20 top-rated insurance carriers to deliver customized protection plans and the best bundled insurance in Utah County. Insurance bundling quotes allow homeowners and drivers to combine policies under one provider, often saving clients hundreds of dollars annually with homeowner and car insurance discounts. "Utah families deserve affordable protection that fits their specific needs," said an Alink Insurance representative. "Our bundled coverage eliminates gaps between policies while providing real savings and simplified management for busy households." The family-run agency specializes in local market conditions, including snow damage, hail risks, and traffic challenges from rapid population growth. Alink agents live and work in the communities they serve, providing personalized service based on firsthand knowledge of regional insurance needs. Bundle packages include comprehensive homeowners coverage and full auto protection through partnerships with carriers like Safeco, Travelers, Progressive, and Nationwide. Clients receive unified billing and streamlined claims management across both policy types. American Fork residents benefit from coverage options addressing I-15 commuter risks and seasonal weather challenges. Saratoga Springs and Eagle Mountain families receive protection that adapts to rising property values and increased traffic patterns. Lehi clients enjoy flexible coverage tailored to the growing Silicon Slopes technology corridor. The independent agency model allows Alink to compare rates across multiple carriers rather than limiting clients to single-company options. This approach ensures competitive pricing while maintaining quality coverage standards. Services include free policy reviews for existing customers to identify potential bundle savings. The agency provides quick quote comparisons and expert guidance throughout the selection process. Alink Insurance has built strong customer relationships through responsive service and transparent communication. The local focus enables agents to understand the specific coverage needs of Utah County residents and businesses. The expanded bundle program addresses increasing demand for simplified insurance management and cost-effective protection. Combined policies reduce administrative complexity while maximizing discount opportunities. For more information about home and auto insurance bundles in Utah County, visit https://www.alink2insurance.com/personal .
- June 26, 2025Finance & Loan
Forbix Income Fund Delivers Targeted 10% Returns Through Short-Term, Asset-Backed Real Estate Loans
Investing in Real Estate with Consistency and Confidence In today’s investment landscape, finding opportunities that provide reliable returns without exposure to stock market volatility is a key priority for many investors. The Forbix Income Fund offers such an opportunity through its focus on short-term commercial and residential real estate loans. With targeted returns of 10% over 12-24 month investment periods, the Fund presents a compelling option for investors seeking predictable income without the volatility of the stock market. Unlike traditional stock market investments, which are subject to unpredictable fluctuations, the Forbix Income Fund offers a more stable approach by specializing in asset-backed short-term loans secured by U.S. real estate. These loans, with maturities ranging from 12 to 24 months, minimize duration risk, providing investors with an opportunity to participate in a real estate-backed asset class while avoiding the inherent risks of longer-term investments. Unlike traditional stock market investments, which are subject to unpredictable fluctuations, the Forbix Income Fund offers a more stable approach by specializing in asset-backed short-term loans secured by U.S. real estate (no construction, no office investment). These loans, with maturities ranging from 12 to 24 months, minimize duration risk, providing investors with an opportunity to participate in a real estate-backed asset class while avoiding the inherent risks of longer-term investments. A Track Record of Success and Asset-Backed Security The Forbix Income Fund is a product of Forbix, a group of companies with extensive experience in the real estate lending space. To date, Forbix has originated over $5 billion in loans, including approximately $2 billion in short-term loans. This expertise and proven track record provide investors with a sense of confidence, knowing they are investing with a group that has been active in the market for many years. In May 2025, the Forbix Income Fund returned 0.852% to investors, equating to an annualized return of 10.72%. Forbix’s status as a Federal Housing Administration (FHA) lender and a licensed lender approved by the U.S. Department of Housing and Urban Development (HUD) underscores the Fund’s commitment to strict underwriting guidelines and regulatory oversight. HUD-approved lenders must adhere to rigorous capital requirements, undergo annual audits, and participate in third-party audits of their funded loans. These safeguards ensure that Forbix is held to the highest standards, providing an added layer of security for investors. Flexible Redemption and Distribution Options The Forbix Income Fund offers investors the flexibility to choose how they receive their returns. Investors can elect to receive quarterly distributions of income earned, offering consistent cash flow that can be used to support their lifestyle or reinvested for future growth. Alternatively, investors can choose to have their yields accrue over time, allowing for a compounded growth strategy. This flexibility, combined with a relatively short investment horizon, makes the Forbix Income Fund an attractive option for investors seeking an income-generating asset without locking up their capital for long periods. Whether an investor is looking to supplement their current income or build wealth over time, the Fund’s offerings provide a level of adaptability to meet a variety of financial goals. Transparency and Risk Considerations While the Forbix presents an attractive opportunity for investors seeking steady returns, it is important to note that, like all investments, there are inherent risks involved. Past performance, which includes an average annual return of 11.16% over the last five years, does not guarantee future results. Therefore, prospective investors should carefully evaluate their risk tolerance and consult with their tax, legal and financial advisors before committing to the Fund. Forbix encourages all investors to consider the broader financial context and carefully review the risks associated with investing in short-term real estate loans. As with any investment, ensuring a proper understanding of the potential risks and rewards is essential before making a financial commitment. About Forbix Forbix is a leading real estate investment group specializing in the origination and financing of short-term commercial mortgages. With over $5 billion in loans originated, including $2 billion in short-term loans, Forbix has built a reputation for providing secure and attractive investment opportunities. As an FHA lender and HUD-approved lender, Forbix adheres to strict regulatory guidelines and is committed to transparency and integrity in its lending practices. For more information on the Forbix Income Fund, its investment strategy, and eligibility requirements, please visit Forbix Income Fund . Media Contact: Forbix Income Fund Email: [email protected] Phone: +1-888-936-7249 Website: https://www.forbixfund.com/#contact LinkedIn: Forbix Income Fund LinkedIn Facebook: @Forbix Fund Instagram: @Forbix Fund
- June 24, 2025Finance & Loan
COGS Accounting in Boulder Just Got Smarter: ACRU Solutions Brings Strategic Clarity to the Bottom Line
Precise cost of goods sold (COGS) accounting can be the difference between confusion and clarity for growth-focused businesses navigating complex financial landscapes. ACRU Solutions, a trusted CPA and advisory firm known for building financial systems tailored to fast-moving companies, is redefining how businesses manage and interpret COGS accounting in Boulder . Their approach combines practical expertise, streamlined processes, and strategic insight to help operators make confident, data-driven decisions. COGS accounting is often a blind spot for many businesses, especially those with evolving product lines, multi-channel sales, and intricate supply chains. Traditional bookkeeping methods tend to treat COGS as a static figure, overlooking the nuances of inventory flow, labor allocation, and overhead absorption. This gap can distort gross margin calculations, misinform cash flow forecasts, and complicate tax compliance. ACRU Solutions addresses this head-on by delivering precise COGS tracking that reflects each business's real cost structure. At the core of ACRU’s service is a commitment to translating complex accounting principles into clear, actionable insights. Their team guides clients through onboarding, system audits, and monthly closes, ensuring that financial data is accurate, timely, and aligned with Generally Accepted Accounting Principles (GAAP). This process often involves revisiting chart of accounts design, integrating inventory management software with accounting platforms, and establishing internal controls that reduce errors and improve visibility. For companies seeking expert COGS accounting in Boulder , ACRU’s hands-on approach ensures compliance and clarity every step of the way. Companies in Boulder’s dynamic business environment—especially those in consumer packaged goods (CPG), manufacturing, and technology—benefit from ACRU’s approach, which goes beyond compliance to deliver real-time financial clarity. This clarity supports operational decisions, investor conversations, and strategic growth planning. Their work enables companies to spot margin erosion early, optimize pricing strategies, and prepare reliable financial statements for audits and tax filings. One of the distinguishing features of ACRU’s service is its tailored advisory support. Beyond bookkeeping and routine accounting tasks, the team acts as a strategic extension of their clients’ finance departments. This includes cash flow forecasting, KPI monitoring—such as gross margin by SKU or product line—and scenario planning to model the financial impact of business initiatives. These advisory services are designed to elevate financial literacy across leadership teams and reduce surprises at critical junctures like funding rounds or tax deadlines. While many firms offer outsourced controller or bookkeeping services, ACRU Solutions stands out by integrating those capabilities with a deep understanding of industry-specific challenges and growth trajectories. Their approach is transparent about onboarding timelines and scope boundaries, helping clients set realistic expectations from the start. This transparency, combined with ongoing communication, ensures that businesses experience minimal disruption during system transitions or audits. ACRU also prioritizes using cloud-based accounting platforms that sync seamlessly with inventory and sales data, delivering dashboards and reports that are accessible anytime, anywhere. This technological integration cuts down on manual data entry, reduces errors, and accelerates monthly close processes. Businesses receive timely, accurate financial data that supports nimble responses to market changes, supplier issues, or cash flow fluctuations. Clients working with ACRU can expect a thorough cleanup of legacy accounting issues when needed, helping to establish a clean foundation for scalable financial operations. This groundwork makes it easier to comply with tax regulations, secure financing, and pursue new growth opportunities with confidence. For companies considering a shift from cash to accrual accounting, or those needing a chart of accounts redesign to better reflect their cost structure, ACRU’s experience offers invaluable guidance. In an environment where financial clarity can make or break strategic initiatives, ACRU Solutions empowers Boulder businesses to build financial systems that do more than track numbers—they illuminate the path forward. With a focus on precision, transparency, and practical advice, ACRU helps operators move beyond reactive bookkeeping toward proactive financial management. About ACRU Solutions: ACRU Solutions is a financial services firm that’s dedicated to helping businesses thrive. With expertise in bookkeeping, business taxes, cash planning, data reporting, and consulting, the firm provides businesses with personalized support to navigate financial challenges. ACRU Solutions emphasizes collaboration, compliance, and transparency to ensure companies receive the right guidance for sustainable growth. By offering tailored financial solutions, the firm empowers businesses of all sizes to optimize their operations and make informed decisions for long-term success.
- June 24, 2025Finance & Loan
Quasar Markets Expands AI-Powered Trading Ecosystem with Launch of Education Platform
Quasar Markets, the award-winning AI-powered financial research platform, has announced the launch of its much-anticipated Education Hub, marking the latest evolution in its mission to simplify and democratize access to financial intelligence. Quasar Markets has already distinguished itself by unifying over 1,000 tools across finance, crypto, AI, news, entertainment, and more, all in a single, seamless interface. The platform aggregates real-time data from global sources like EDGAR, FRED, the United Nations, and major stock exchanges, enabling smarter, faster decisions for both institutional and retail traders. Now, with the addition of a full-fledged education arm, Quasar Markets is transforming from a research-first platform to an all-in-one financial learning and decision-making ecosystem. “Most platforms give you data or education. Quasar gives you both, together, intelligently,” said Steven E. Orr, CEO and Founder of Quasar Markets. “With the Education Hub, we’re closing the loop, helping our users not just see the numbers but truly understand them, and ultimately take action.” What the Education Hub Offers: Expert-led video courses across Stocks, Options, Commodities, Forex, Crypto and Futures investing and trading, technical analysis, macroeconomics, and more Interactive modules and courses designed for all experience levels Live webinars, AMA sessions, and thought-leader insights Learning paths integrated with real-time data, so users can go from theory to practice in one click Community features for peer discussions and mentorship The education platform is fully responsive, accessible across desktop, tablet, and mobile, and integrated with users' dashboards, providing a fluid learning and trading experience. This development builds on Quasar Markets’ momentum as a recognized fintech leader, having recently won “AI Startup of the Year” and “Fintech Startup of the Year” at the 2024 FinanceFeeds Awards, as well as the Chairman's Award for Best AI Research Platform at Benzinga’s 2024 Global Fintech Awards – a testament to its unified, intelligent approach to market research. By bringing education into the same space as real-time trading tools and AI insights, Quasar Markets aims to reshape the way users learn, analyze, and trade, without ever leaving the platform. About Quasar Markets Quasar Markets offers cutting-edge AI-powered solutions for navigating financial markets, providing unparalleled automation, insights, and personalized client experiences. The platform seamlessly integrates into daily life and wearables, making financial decisions more accessible and intuitive. With strategic partnerships across the industry, Quasar Markets is reimagining the future of finance. For more information, visit: https://quasarmarkets.com
- June 24, 2025Finance & Loan
Banking Made Mobile: Blackcatcard Wallet Offers Complete Account Control and Instant Card Management
In a continued effort to simplify digital finance for everyday users, Blackcatcard has unveiled its enhanced Wallet app —a fully integrated mobile banking hub designed to put every essential banking function in the palm of the user's hand. With sleek usability and robust features, the Wallet ensures that users can monitor, manage, and maximize their finances without relying on outdated desktop systems or bank branches. The Blackcatcard Wallet app combines real-time visibility and control with the security and flexibility users expect from modern FinTech platforms. From ordering and blocking cards to tracking expenses and managing top-ups, the app empowers users with full control over their financial environment—24/7. Full-Service Banking Without the Bank Whether users need to review a balance, track recent transactions, or request a new card, everything can be done in seconds through the Wallet interface. New customers can register, verify their identity, and open a Euro-denominated IBAN account directly within the app. Core features include: Card management : order, activate, block, or unblock physical and digital Mastercard Real-time expense tracking : categorized spending summaries and instant notifications Top-up options : via SEPA transfer or connected debit/credit card Account monitoring : view balances and transaction history on demand In-app customer support : multilingual help is available directly on the interface Designed for Mobility, Built for Control The Wallet app is optimized for mobile-first users who want to manage their finances without friction. Transactions are displayed in real-time with push notifications, and users can monitor their account activity at a glance. Whether commuting, traveling, or working remotely, Blackcatcard Wallet ensures users always stay informed and in charge. Seamless Integration with Blackcatcard Services The Wallet app pairs directly with the broader Blackcatcard Money experience, giving users seamless access to their IBAN account and payment cards. All services—from balance monitoring to cashback tracking—are centralized in the same app, with a clean and intuitive design that requires no technical expertise. This makes the Wallet particularly appealing for: Digital nomads managing funds on the move Freelancers and remote workers who rely on mobile banking Consumers seeking real-time oversight of their spending Anyone wanting a fast, hassle-free banking experience Finance on Your Terms With Blackcat Wallet , traditional banking constraints are replaced by mobility, immediacy, and total user control. By consolidating financial tasks into one powerful app, Blackcatcard has made banking not just mobile—but truly personal. About Blackcatcard Blackcatcard is a mobile-first European financial platform operated by Papaya Ltd., an Electronic Money Institution licensed by the Malta Financial Services Authority (MFSA). The company offers free IBAN accounts, Mastercard payment cards, and a smart mobile banking suite to individuals across the EU and internationally.
- June 24, 2025Finance & Loan
Blackcatcard Launches a Streamlined, Fee-Free Banking Experience for Global Citizens
In an era where digital agility defines everyday banking, Blackcatcard Money is emerging as the ideal solution for individuals seeking a fast, secure, and fee-free alternative to traditional financial institutions. With a strong emphasis on simplicity, flexibility, and global usability, the service is tailored for modern consumers who expect full financial control from their smartphones. Blackcatcard Money empowers users with a Euro-denominated IBAN account, instant digital Mastercard access, and seamless integration with Apple Pay and Google Pay. Designed with both local and international users in mind, the platform supports multi-currency capabilities, free SEPA transfers, and contactless payments—all from within an intuitive mobile app. A Modern, Borderless Approach to Personal Banking What sets Blackcatcard Money apart is its commitment to convenience and transparency. Account setup is completed entirely online in minutes, with no paperwork or physical branch visits required. Once activated, users receive a ready-to-use virtual Mastercard and can request a physical card for global purchases and ATM access. Users benefit from: Free IBAN account in EUR No monthly maintenance fees Instant Mastercard issuance Apple Pay and Google Pay compatibility Free SEPA transfers across the EU Real-time transaction notifications The service is available to both EU and select non-EU residents, reflecting a core mission to remove geographical and financial barriers for individuals managing money across borders. Full Control, Wherever You Are With the Blackcatcard Money mobile app, customers can track their balance in real-time, monitor transactions instantly, and control card settings—such as locking or unlocking their card—with a single tap. The platform supports effortless t op-ups via SEPA or debit card and enables swift peer-to-peer transfers between Blackcatcard users. The built-in multi-currency support allows users to travel, spend, and manage expenses abroad without the high markups or hidden conversion charges typical of legacy banking systems. Built for the Global Generation Whether you're a digital nomad, a freelancer paid in Euros, or simply someone tired of bank fees, Blackcatcard Money delivers a financial experience aligned with modern life. It combines convenience, safety, and freedom—giving users a powerful tool to manage their finances on the go, wherever they are in the world. About Blackcatcard Blackcatcard is a European digital financial platform operated by Papaya Ltd., an Electronic Money Institution regulated by the Malta Financial Services Authority (MFSA). The service provides personal IBAN accounts, Mastercard payment solutions, and app-based banking tools for individuals seeking a more flexible and fee-free alternative to traditional banking.
- June 24, 2025Finance & Loan
Blackcatcard Money Introduces Savings Boosters with Passive Interest and Cashback Rewards
In a move to empower users with smarter financial tools, Blackcatcard Money has launched two key benefits designed to enhance personal savings: a passive interest reward of up to 2.2% annually on account balances and a cashback program for everyday card purchases. These features position Blackcat Money as a strategic choice for users who want to stretch the value of their money without changing their daily habits. Built into the core of the Blackcatcard ecosystem, the new offerings reflect the brand’s focus on customer-centric digital banking that delivers real financial value, without hidden fees, lock-ins, or complicated requirements. Earn While You Bank The passive income feature automatically rewards users who maintain a positive balance in their Blackcatcard Money account. Depending on the average daily balance, users can earn up to 2.2% annually, credited monthly, without needing to make long-term deposits or tie up their funds. This passive interest applies directly to the account’s EUR balance, making it one of the few digital banking services offering consistent, flexible savings growth without traditional banking hoops. Everyday Cashback, Effortlessly Earned In addition to interest earnings, users can activate a cashback program that returns 0.1% on all card purchases, regardless of merchant or category. Cashback is credited monthly and accumulates automatically—requiring no special tracking or enrollment. These features make Blackcatcard Money especially appealing to: Frequent shoppers and digital spenders Budget-conscious individuals looking for savings tools Users avoiding complex financial products Young professionals and freelancers managing income through daily spending A Smarter Way to Save and Spend Unlike many financial products that limit rewards to premium tiers or specific conditions, Blackcatcard Money’s savings boosters are available to all individual users with standard accounts. The platform's mobile-first approach ensures transparency, instant balance tracking, and easy access to earned interest and cashback directly in the app. Users can: View earned interest and cashback history Monitor their account growth in real-time Continue using their digital or physical Mastercard for all transactions Combine rewards with existing SEPA transfer, Apple Pay, and Google Pay features Modern Banking With Real Benefits By turning everyday account activity into a low-risk, high-value opportunity, Blackcatcard Money has redefined what it means to "save while you spend." In an era where traditional savings accounts offer little to no return, Blackcatcard’s dual reward model offers a compelling alternative for those who want their money to work harder—without working harder themselves. About Blackcatcard Blackcatcard is a European digital banking platform operated by Papaya Ltd., an Electronic Money Institution regulated by the Malta Financial Services Authority (MFSA). Through personal IBAN accounts, Mastercard payment tools, and customer-first features like passive interest and cashback, Blackcatcard delivers transparent, mobile-friendly banking for individuals across the EU and select international markets.
- June 24, 2025Finance & Loan
Blackcatcard Sets a New Standard in European Digital Banking with Instant IBAN and Free Mastercard Access
In response to the growing demand for flexible, mobile-first financial solutions, Blackcatcard , operated by the European fintech Blackcat company (Papaya Ltd.), has officially launched its expanded digital banking platform across the EU. The offering provides individual users with free Euro IBAN accounts, virtual and physical Mastercards, and integrated loyalty rewards—delivered entirely through a secure mobile app. The platform aims to meet the evolving needs of freelancers, remote professionals, travelers, and everyday consumers who expect banking to be fast, borderless, and accessible from anywhere. A Streamlined, Fee-Free Approach to Everyday Banking Blackcatcard allows users to open a Euro-denominated IBAN account online in minutes. Once registered, users can access a virtual Mastercard for immediate use and optionally request a physical card accepted worldwide. The service is designed to simplify money management without imposing monthly maintenance fees or hidden charges for individuals. All transactions, transfers, and card settings are managed through the Blackcatcard app, which offers real-time control, instant notifications, and spending summaries. Transfers between Blackcatcard users are unlimited and fee-free, making the platform ideal for personal and peer-to-peer use. Rewarding Everyday Spending In addition to its core financial features, Blackcatcard includes a built-in rewards program. Users can earn up to 2.2% annually on account balances, receive 0.1% cashback on card purchases, and benefit from referral incentives when inviting new customers. Regulated for Security and Compliance The Blackcat company behind Blackcatcard—Papaya Ltd.—is fully licensed and regulated by the Malta Financial Services Authority as an Electronic Money Institution (License No. C55146). All funds are safeguarded under EU regulations for electronic money providers. The platform’s security features include card tokenization, two-factor authentication, and customer-level verification procedures, ensuring both privacy and compliance with financial standards. About Blackcatcard Blackcat Company is a European digital finance platform providing personal IBAN accounts, Mastercard payment cards, mobile banking, and integrated loyalty rewards with no monthly fees for individual users. Operated by Papaya Ltd. and regulated in Malta, the platform serves clients across the EU with a focus on transparency, mobility, and secure financial control.
- June 24, 2025Finance & Loan
VCF.co Launches with Full-Stack SPV Support from SPV.co
Today marks the official launch of VCF.co , a modern venture capital fund formation platform designed to help solo general partners (GPs), angel syndicates, and emerging fund managers launch fully compliant venture funds using special purpose vehicles (SPVs). The platform offers a full-stack, end-to-end experience—from legal setup and compliance to investor onboarding and fund administration—powered in part by a strategic partnership with SPV.co and Crowdfund.co . In an environment where more operators, creators, and micro-allocators are entering the world of venture investing, VCF.co provides the infrastructure and expertise they need to raise capital legally, quickly, and professionally—without the overhead of traditional fund formation. “We created VCF.co to give smart investors a frictionless path to launching their own venture capital funds—without needing a 500-page fund doc or a full-time legal team,” said Nate Nead , founder of VCF.co. “With SPV.co and Crowdfund.co as partners, our clients get structure, strategy, and speed.” A Modern Platform for Modern Fund Managers VCF.co is designed to serve a new generation of capital allocators—individuals and teams who want to raise and deploy capital with institutional-grade tools, but without the time, complexity, or cost typically associated with launching a venture fund. At the core of VCF.co’s offering is rapid SPV and entity formation. Whether launching a single deal vehicle or a rolling SPV series, clients benefit from streamlined setup of LLCs and GP/LP structures, complete with EIN registration, banking relationships, and pre-built, attorney-reviewed fund documents. The platform allows for customization while preserving speed and compliance, all delivered with white-glove service. Legal and regulatory compliance is handled through an integration with SPV.co’s infrastructure, providing support for Reg D 506(b) and 506(c) offerings, blue sky filings, accredited investor verification, and baked-in KYC/AML procedures. Clients receive customized operating agreements, subscription documents, private placement memorandums, and waterfall structures that meet the expectations of today’s discerning LPs. For those raising capital, VCF.co offers strategic guidance on LP targeting, funnel optimization, and investor messaging through a partnership with Crowdfund.co. The platform supports digital onboarding with e-signatures, integrated CRMs, capital call workflows, and investor communications—empowering fund managers to focus on relationships, not logistics. Behind the scenes, VCF.co leverages enterprise-grade technology from SPV.co to offer fund administrators and GPs real-time dashboards, cap table tracking, performance analytics, and multi-SPV rollup reporting. Compliance doesn’t end at formation—VCF.co supports ongoing operations including 1065/K-1 prep, annual filings, and tax documentation, ensuring back-office continuity for the long haul. “Launching a venture fund has historically been time-consuming and expensive,” said Jason Powell , CEO of SPV.co and a securities attorney. “VCF.co makes it accessible. We’re proud to provide the legal and back-office muscle behind their fund creation engine.” “VCF.co integrates with our infrastructure to allow near-instant SPV setups, LP onboarding, and fund document automation—all with enterprise-grade security and compliance,” added Corey Engel , Chief Technology Officer at SPV.co. “It’s fund formation at startup speed.” “The venture space is shifting—more operators want to become capital allocators,” said Ryan Schwab , Chief Revenue Officer at SPV.co. “VCF.co gives them the tools to do it with confidence, backed by the compliance and structure LPs expect.” About VCF.co VCF.co is a venture fund formation platform that empowers emerging fund managers, angel syndicates, and solo GPs to launch compliant venture capital funds using special purpose vehicles. By combining legal structure, investor onboarding, and fundraising strategy under one roof, VCF.co delivers a full-stack experience for capital allocators who want to move fast and stay compliant. About SPV.co SPV.co offers fast, compliant formation and management of special purpose vehicles (SPVs) for private capital raises. The platform supports fund managers, founders, and syndicates with legal entity creation, investor onboarding, compliance workflows, and fund administration. About Crowdfund.co Crowdfund.co provides full-service equity crowdfunding consulting for startups, real estate sponsors, fund managers, and creators. Services include regulatory guidance, campaign strategy, investor funnel design, and capital raise execution—all backed by partner infrastructure like SPV.co.
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