Finance & Loan News
RWA.io and Veritas Protocol Report Finds 143% Spike in Tokenized Asset Losses in First Half of 2025
A joint report by RWA.io and Veritas Protocol, with contributions from Tron DAO, reveals a sharp increase in losses linked to tokenized real-world assets (RWAs) due to emerging security vulnerabilities. According to the report, financial losses from on-chain operational failures reached $14.6 million in the first half of 2025, marking a 143% increase over the total for 2024. The study, titled “RWA Security Report 2025: An Analysis of Tokenized Asset Threats,” examined blockchain security incidents between January 2023 and June 2025. It identifies a major shift in attack patterns within the rapidly expanding RWA sector, which now exceeds $30 billion in market value. Unlike previous years dominated by credit defaults, the 2025 incidents were entirely on-chain, driven by factors such as private key compromises and oracle manipulation. “The tokenization of real-world assets is a large and growing financial sector, but this growth introduces new risks,” said Marko Vidrih , COO of RWA.io. “The speed and sophistication of modern attacks mean the industry must move from periodic audits to continuous, automated security to protect investors and maintain market stability.” The report highlights the March 2025 Zoth Protocol breach as a significant case study. The incident resulted in an $8.5 million loss due to a compromised private key, demonstrating how security gaps can lead to drained funds even in systems considered technically sound. The authors argue that such events reveal the limitations of traditional security audits, which may not detect real-time threats. To address these vulnerabilities, Veritas Protocol has introduced a security framework powered by an autonomous multi-agent AI system designed for continuous threat monitoring. The system operates more than 14,000 times faster than manual audits and generates real-time “Trust Scores” to help investors assess the safety of smart contracts and wallets before interacting with them. “The RWA market has reached a point where manual and periodic approaches are no longer sufficient,” said Jan Vidic, CTO of Veritas Protocol. “Our framework automates risk detection and mitigation, giving both institutional and retail investors the ability to monitor on-chain behavior continuously. This is critical for maintaining trust and liquidity as tokenization scales globally.” The joint analysis also references effective responses from the wider blockchain ecosystem, including the T3 Financial Crime Unit, a collaborative initiative by TRON, Tether, and TRM Labs. The unit has successfully frozen more than $250 million in illicit assets in under a year, offering an operational example of proactive financial crime prevention that could be adapted to safeguard tokenized assets. Among its key findings, the RWA Security Report 2025 notes that 63% of illicit transactions involved stablecoins, highlighting their growing role in digital finance. Ethereum accounted for 56.6% of total losses, underscoring how activity remains concentrated on major networks. The report concludes that automated, AI-driven security infrastructure will be essential to scale risk management as the RWA market is projected to surpass $30 trillion in the 2030s. The full report is available for download at https://www.rwa.io/research . About RWA.io RWA.io is the global hub for real-world asset tokenization. The platform provides a unified ecosystem where issuers and investors can find, evaluate, launch, trade, and manage the complete lifecycle of tokenized assets with clear paths to liquidity. About Veritas Protocol Veritas Protocol is an AI-powered security platform for autonomous vulnerability detection. Built on a multi-agent framework and advanced machine learning, it identifies and mitigates risks in real time, offering scalable, affordable security solutions for blockchain projects and users worldwide.
CreditVeto's 2025 Insight Report Reveals How Americans Combine Credit Repair and Funding to Fuel Small Business Growth
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- October 22, 2025Finance & Loan
From Numbers to Next-Level Success: Vik Randhawa, CPA, on Smarter Tax Planning
Date: October 18, 2025 Contact: Vik Randhawa, CPA Email: [email protected] Phone: 888-VIKPROCPA Website: https://www.vikprocpa.com From Numbers to Next-Level Success: Vik Randhawa, CPA, on Smarter Tax Planning and Financial Confidence California CPA transforms traditional tax services into strategic pathways for long-term growth and financial clarity. California — In an increasingly complex financial world, Vik Randhawa, CPA, is redefining what it means to deliver value through tax strategy and business planning. Known for his proactive approach, Randhawa helps business owners, families, and investors go beyond tax compliance—turning numbers into insight and strategy into confidence. “Too many people see taxes as something you deal with at the end of the year,” says Randhawa. “My goal is to shift that mindset—to help clients use tax planning as a tool for growth, not just reporting.” Through personalized service and forward-looking financial guidance, Vik Randhawa, CPA, specializes in helping clients structure their businesses intelligently, optimize their S-Corp strategies, manage real estate tax complexities, and even create family payroll systems that keep more money in their household while staying compliant. Randhawa’s client-centered approach is grounded in education and empowerment. By making the tax process transparent and actionable, he ensures clients not only understand their numbers—but use them to make better financial decisions all year long. “Confidence comes from clarity,” Randhawa adds. “When clients know how each decision affects their bigger financial picture, they make smarter choices—and that’s when real success happens.” With a growing reputation for blending strategy, precision, and integrity, Vik Randhawa, CPA, continues to help clients across California and beyond transform financial stress into financial strength. About Vik Randhawa, CPA Vik Randhawa, CPA, is a California-based Certified Public Accountant specializing in proactive tax planning, business advisory, and real estate taxation. His mission is to simplify complex tax and financial concepts, helping clients achieve sustainable growth through smart strategy and personalized service. For more information, visit https://www.vikprocpa.com or contact [email protected].
- October 22, 2025Finance & Loan
Meidinger Tax Consulting Empowering California’s Digital Economy with Smarter Tax Solutions
In an era where digital innovation is reshaping financial landscapes, Meidinger Tax Consulting is proud to unveil a modern, secure solution for individuals and startups seeking clarity and confidence in their tax strategy. Designed with forward-thinking professionals in mind, this enhanced digital platform provides seamless access to reports, real-time communication with advisors, and efficient document handling—anytime, anywhere. “Our focus has always been on empowering clients to thrive in complex financial ecosystems,” a spokesperson from Meidinger Tax Consulting stated. “With our secure client portal, encrypted document sharing, and deep expertise in digital finance, we deliver a seamless experience that safeguards sensitive financial data while enabling proactive tax strategy planning.” Specializing in Tax Compliance Services in California , the firm provides customized, year-round planning to minimize liabilities and align with long-term business or personal goals. These services are especially vital in high-growth sectors such as blockchain, AI, and hardware, where founders and tech professionals navigate a rapidly evolving regulatory environment. As digital assets become a cornerstone of modern portfolios, Meidinger’s Blockchain solutions for tax compliance stand out. From staking and mining to NFT transactions and DAO participation, their advisors help categorize, report, and optimize blockchain-based income in compliance with IRS and California state regulations. By bridging the knowledge gap between traditional tax services and the complexity of Web3, the firm brings transparency to what would otherwise be a complex and opaque tax landscape. In addition to compliance, Meidinger provides customized advisory services for startups and founders, offering specialized consulting to entrepreneurs and executives. This encompasses advice on equity compensation, fundraising frameworks, and strategies for exit planning that are essential for a company’s sustained success. Underpinning these services is a commitment to Secure Digital Accounting, integrating cloud-based tools and real-time reporting to ensure agile and informed decision-making. Whether you’re a tech founder in San Francisco, an AI entrepreneur in San Diego, or a blockchain innovator in Silicon Valley, Meidinger’s California-based consulting ensures that your financial future is built on a secure, strategic foundation.
- October 22, 2025Finance & Loan
Carmen Adriana Vlad: The Immigrant Accountant Who Helped Hundreds of Families Find Their Refund
After more than two decades of guiding companies abroad, Carmen Adriana Vlad, EA, CPA, has turned her international experience into a dual-industry success story. As founder and president of Competent Accounting LLC / Tax Pro Accounting LLC and Competent Logistics LLC, she now serves clients across the United States while creating jobs and promoting financial literacy in her adopted community. Building Businesses Across Borders Vlad launched her first firm, Competent Accounting Group, in Oradea, Romania, growing it to 16 employees and more than 350 corporate clients, including U.S. and Spanish companies. When she relocated to South Carolina, she blended that global background with local entrepreneurship, founding Competent Logistics LLC in 2017 and Competent Accounting LLC in 2020. "Every entrepreneur, whether in Europe or America, needs clear financial information to make confident decisions," Vlad says. "My goal has always been to turn complexity into clarity." Strengthening Small-Business Compliance Today, her accounting firms serve over 200 businesses in 15 states, preparing federal and state returns, representing clients before the IRS, and advising foreign investors entering the U.S. market. As an IRS Enrolled Agent and member of the National Association of Enrolled Agents, she promotes transparent reporting and lawful growth for the small-business sector that anchors the national economy. Serving Families Below the Poverty Line Since 2019, Vlad has also volunteered with the IRS Volunteer Income Tax Assistance (VITA) program through United Way of Pickens. Most of the families she serves earn around $20,000 to $30,000 a year, placing them below the federal poverty threshold. Her team has prepared and filed more than 2,000 free tax returns annually, helping residents claim the Earned Income Tax Credit and Child Tax Credit, often delivering refunds of several thousand dollars per household. "For many of these families, a refund means food, rent, or medicine," Vlad explains. "Each return is a small act of empowerment." Community Stories Illustrate the Impact: - A single mother in Greenville walked away from a VITA site with a $3,400 refund—enough to cover a semester of child-care costs so she could return to work. - A retired veteran who had never filed electronically received a $1,200 refund and now volunteers beside Vlad each tax season. - A new small-business owner in Georgia avoided state penalties after her firm restructured the company’s books through Competent Accounting’s guidance. Logistics, Leadership, and Local Commitment Vlad’s second enterprise, Competent Logistics LLC, operates nationwide trucking services registered with FMCSA. Starting with one truck, the firm now runs a small fleet generating more than 500,000 dollars in annual revenue. During Hurricane Helen (2024) she provided emergency lodging and transport to stranded pilots—an effort praised by local relief organizers. She also serves as Vice Chair and Finance Director of Play Safe, a South Carolina nonprofit promoting child-safety education, and was named Volunteer of the Year (2024) by United Way’s IRS VITA Program. Recognition and Future Vision Featured in South Carolina Voyager magazine and a regular participant in the IRS National Tax Forum, Vlad represents a generation of immigrant entrepreneurs blending technical excellence with civic responsibility. She plans to expand training programs for aspiring tax professionals and to develop bilingual materials that help first-time business owners navigate U.S. tax law. "Economic empowerment starts with knowledge," she says. "When people understand how taxes and compliance work, entire communities become stronger." About Carmen Adriana Vlad Carmen Vlad is an IRS Enrolled Agent and CPA (Romania), founder of Competent Accounting LLC / Tax Pro Accounting LLC and Competent Logistics LLC in Mauldin, South Carolina. Her firms provide accounting, taxation, and logistics solutions across the U.S. and internationally.
- October 22, 2025Finance & Loan
Factoring.io Introduces Transparent Pricing Model to Disrupt Traditional Factoring Industry
Factoring.io , a modern accounts receivable (AR) financing platform , today announced the launch of its Transparent Pricing Model , a first-of-its-kind initiative designed to simplify and demystify the factoring process for small and mid-sized businesses. By removing hidden fees, long-term lock-ins, and percentage confusion, Factoring.io aims to set a new industry standard in financial transparency . Reinventing Trust in a Legacy Industry Traditional factoring has long been criticized for complex fee structures, unclear terms, and restrictive contracts that leave business owners uncertain about their true costs. Factoring.io’s new model takes a radically different approach: one flat, fully disclosed rate, and no long-term commitments. “Our mission is to remove the fine print from factoring,” said Nate Nead , CEO of Factoring.io. “Business owners deserve to know exactly what they’ll pay, when they’ll get funded, and how to access more working capital — without surprises buried in legalese.” How It Works Through its intuitive online platform, Factoring.io provides upfront rate calculators and real-time invoice analysis so business owners can see exactly how much cash they’ll receive and how much it will cost before committing. The Transparent Pricing Model includes: Flat, predictable fees with no variable interest rates No setup or termination fees No long-term contracts or monthly minimums Instant funding decisions powered by proprietary underwriting “We believe that transparency isn’t just ethical — it’s a competitive advantage,” added Eric Lamanna , VP of Marketing. “When clients can trust their funding partner, they stay longer and grow faster.” Empowering SMBs with Simplicity and Speed Factoring.io’s platform integrates directly with major accounting tools like QuickBooks and Xero, making it easy to sync invoices, verify payers, and access funds within 24 hours. The company’s focus on speed, clarity, and user experience helps small businesses smooth out cash-flow volatility and reinvest in growth. “By stripping out complexity, we’re empowering business owners to focus on what matters — running their business,” said Timothy Carter , Chief Revenue Officer. “This is factoring for the modern entrepreneur.” About Factoring.io Factoring.io is a fintech company specializing in accounts receivable financing for small and mid-sized businesses. With a mission to make cash flow simple, fast, and transparent, the platform provides funding solutions without hidden fees, restrictive contracts, or confusing terms. Factoring.io serves clients across industries including logistics, construction, staffing, and manufacturing. Factoring.io is brought to customers by InvestNet, LLC--part of the HOLD.co holding company family.
- October 22, 2025Finance & Loan
Colin Weir and Moroku: How smaller banks can match big‑bank digital experiences and halve time to market
In an era where banking , technology , innovation , and AI are redefining competitive advantage, Colin Weir, CEO and Founder of Moroku , is leading a revolution that empowers smaller financial institutions to thrive. Through his visionary leadership, Moroku has established itself as the best in the field , helping challenger banks, credit unions, neobanks, and regional banks deliver the same digital sophistication once reserved for global giants. For more about Colin Weir and Moroku’s global impact, visit Xraised . Democratised Technology: A New Battleground in Banking Retail banking is undergoing a seismic shift. Customers expect instant, personalised service across channels while regulators require transparent, auditable decisioning. Smaller institutions struggle with legacy cores, limited engineering capacity, and costly integrations that slow product launches and increase operational risk. The result is lost revenue, weaker retention, and heightened exposure to operational failures. Colin Weir recognises that for smaller institutions, this pressure is not just a challenge, it is an opportunity. Moroku’s composable platform democratises cloud technology , enabling smaller banks to deliver product velocity, data maturity, and customer experiences equal to those of multinational banks. This composable, API‑first platform with built‑in telemetry, experiment hygiene, and auditable decisioning helps smaller banks to compete on relevance, speed, and trust. By adopting a modular architecture, teams deliver targeted products quickly, building on modular services rather than attempting large monolithic migrations; this product‑first approach shortens POC timelines from months to weeks, reduces risk and builds organisational confidence. AI That Scales With Data Maturity Artificial intelligence is only as effective as the data behind it. Moroku integrates governance, telemetry, and testable decisioning into workflows, turning AI into repeatable, auditable processes. Underwriters, brokers, and staff gain confidence in automated scoring, driving faster, safer lending and personalised product offers. This practical approach proves that AI is no longer a pilot experiment but a competitive differentiator that even smaller institutions can scale. Servicing That Builds Loyalty Retention isn’t just about transactions; it’s about creating personalised, contextual engagement. Moroku empowers banks to deliver in-app nudges, lifecycle journeys, and real-time tailored offers. Smaller banks with strong community ties gain meaningful differentiation, proving once again that Moroku, under Colin Weir’s leadership, is the best in the field . Why Colin Weir Says Smaller Banks Should Act Now Colin Weir believes that large banks are not the only ones capable of using modern innovation to win customers. By adopting composable platforms, operationalising decisioning confidence, and focusing on personalisation, smaller institutions can beat big banks where it matters most: trust , speed , and relevance . About Colin Weir and Moroku Colin Weir is the visionary behind Moroku , the company transforming retail banking by making digital technology accessible to all institutions. With his leadership, Moroku stands as the global leader in personalised engagement, AI-driven decisioning, and customer-centric banking platforms. Media Contact Nicole O’Sullivan [email protected]
- October 21, 2025Finance & Loan
Park Avenue Numismatics Awarded Best Numismatic Investment Company in the U.S. for 2025
Park Avenue Numismatics: A Legacy of Excellence in Numismatics Park Avenue Numismatics, a leading name in the rare coins and precious metals industry, has long been recognized for its dedication to excellence and its significant impact on the numismatic community. Founded in 1988 by Bob Green, the company has built a reputation for its deep knowledge, high-quality services, and a track record of over $1 billion in transactions. With offices located in key cities like Miami, FL, and New York, Park Avenue Numismatics continues to serve a diverse client base, offering a robust platform for rare coins and precious metals. Award Announcement: Park Avenue Numismatics Recognized as the Best Numismatic Investment Company in the U.S. for 2025 In a significant milestone for the company, Park Avenue Numismatics has been named the Best Numismatic Investment Company in the United States for 2025 by EvergreenAwards.com . This prestigious recognition underscores the company’s continuous commitment to leadership, innovation, and exceptional service within the numismatic industry. The award highlights Park Avenue Numismatics' influence and expertise in rare coins and precious metals, solidifying its status as an industry leader. Bob Green, the company's founder and CEO, has played a pivotal role in this achievement, guiding the company to become a trusted partner for both collectors and investors. Innovation and Leadership in Numismatics Bob Green’s visionary leadership has propelled Park Avenue Numismatics into the forefront of the numismatic industry. His decision to launch one of the industry’s first internet auction platforms and mobile app revolutionized the coin collecting and trading experience. These innovations have made the process more accessible for collectors, investors, and dealers alike, strengthening the company’s position in the market. Under Bob’s direction, Park Avenue Numismatics has earned a reputation for helping clients construct well-diversified portfolios with a focus on safety, security, and privacy—critical elements for high-net-worth individuals and investors. The Liquidity of Rare Coins: A Valuable Asset for Investors One of the core aspects that set Park Avenue Numismatics apart is its understanding of the liquidity of rare U.S. coins. Thanks to the independent coin grading services such as the Professional Coin Grading Service (PCGS) and Numismatic Guaranty Corporation (NGC), rare coins are now among the most liquid collectibles in the market. The company facilitates access to an electronic numismatic exchange, allowing clients to easily buy, sell, and trade certified rare coins. This liquidity has made rare coins an attractive alternative investment, and Park Avenue Numismatics has played a pivotal role in ensuring that clients can manage their investments efficiently through direct sales to dealers or public auctions. A Bright Future for Park Avenue Numismatics As Park Avenue Numismatics continues to grow and innovate, the recent recognition by EvergreenAwards.com serves as a powerful testament to its dedication to excellence and leadership in the numismatic and precious metals industries. With its innovative services and an unwavering commitment to customer satisfaction, the company is well-positioned for continued success in the years ahead. For more information, visit Park Avenue Numismatics . About Park Avenue Numismatics Park Avenue Numismatics is an industry leader in rare coins and precious metals, offering expert services to collectors and investors since 1988. With a focus on providing safe, secure, and diversified hard asset portfolios, the company serves affluent individuals, high-net-worth investors, and numismatics enthusiasts. Headquartered in Miami, FL, with additional offices in New York, Park Avenue Numismatics has handled over $1 billion in transactions and is known for its innovative approach to coin collecting and trading. Media Contact: Bob Green President/CEO, Park Avenue Numismatics Email: [email protected] Website Facebook
- October 18, 2025Finance & Loan
MergersandAcquisitions.net Launches AI-Powered Deal Sourcing Platform for Independent Sponsors and Family Offices
MergersandAcquisitions.net , a leading platform for private-market intelligence and deal sourcing, today announced the launch of its AI-Powered Deal Sourcing Platform, a breakthrough system that helps independent sponsors, family offices, and strategic buyers identify off-market acquisition targets using proprietary machine learning models trained on firmographic and behavioral intent data. Built to democratize access to high-quality deal flow, the new platform scans millions of private-company data points—including hiring trends, leadership changes, and digital intent signals—to surface potential acquisition targets long before they reach traditional brokers or public marketplaces. “The private markets remain opaque by design,” said Ryan Schwab, VP of Deal Origination of MergersandAcquisitions.net. “Institutional players have long held the data advantage, while smaller sponsors have had to rely on relationships and cold outreach. Our platform changes that dynamic by giving independent buyers access to the same level of intelligence that Wall Street uses every day.” Leveling the Playing Field for Modern Dealmakers Historically, private deal origination has been dominated by private equity funds and investment banks equipped with expensive databases and in-house research teams. MergersandAcquisitions.net’s new AI-driven system removes that barrier by making institutional-grade sourcing available to a much wider audience. “This levels the playing field for dealmakers who need institutional-grade sourcing without institutional overhead,” said Schwab. “Our users can now see potential acquisition targets that would have taken months—or even years—to find using traditional methods.” The system not only identifies companies likely to be receptive to acquisition discussions, but it also scores and ranks them based on fit, growth signals, and industry context, enabling faster decision-making and more efficient outreach. Machine Learning Meets Market Insight At its core, the new platform combines firmographic data, behavioral analytics, and AI-driven intent modeling to create a continuously learning deal-sourcing engine. It integrates with LLMs, ensuring all computations are secure, compliant, and tailored for financial professionals under FINRA and SEC oversight. “The system doesn’t scrape or guess—it learns,” explained Schwab. “We’ve trained it on verified private-company data and actual transaction outcomes so it can predict which companies are most likely to consider a sale or recapitalization in the near future.” This hybrid model of human dealmaking and machine intelligence is already showing results. In beta testing, users reported a 10x increase in qualified target volume and a 30% reduction in sourcing time, with several early users identifying actionable proprietary opportunities within weeks. Democratizing Access to Private-Company Intelligence The platform’s broader purpose is to bring transparency to an ecosystem that has long favored those with inside access. By aggregating verified firmographic data and using predictive modeling, MergersandAcquisitions.net is enabling dealmakers of every scale to compete more effectively in an increasingly data-driven landscape. “The next competitive edge in M&A isn’t just capital—it’s computation,” said Schwab. “We’re building tools that empower dealmakers to focus on relationships and strategy, while our AI handles the discovery and analysis.” The Road Ahead Future updates to the platform will include predictive valuation modeling, AI-assisted outreach automation, and deal-matching algorithms that connect buyers and sellers directly through a secure, data-driven network. The company also plans to expand its data coverage to international markets, giving users access to emerging acquisition opportunities worldwide. “Our vision is simple,” added Schwabhttps://mergersandacquisitions.net/sell/. “We’re helping independent sponsors, search funds, and family offices compete with billion-dollar firms—using better data, not bigger teams.” About MergersandAcquisitions.net MergersandAcquisitions.net is a leading online platform for private-market deal sourcing, valuation, and sell-side M&A advisory intelligence. Combining machine learning with decades of transaction experience, the company helps independent sponsors, family offices, and strategic buyers identify and evaluate acquisition opportunities faster and more efficiently. The company is also partnered with SPV.co for special purpose vehicle creation for capital transactions.
- October 17, 2025Finance & Loan
Expert Family Office Advisory for UHNW Families in Toledo: Croak Capital Sets the Standard
Croak Capital has established itself as a trusted resource for ultra-high-net-worth (UHNW) families in Toledo by focusing on a specialized approach to family office advisory. The firm has gained recognition for combining strategic financial expertise with a deep understanding of the unique challenges that come with significant wealth. With a reputation for thoughtful guidance, Croak Capital continues to set a standard that appeals to families seeking clarity, stability, and long-term vision in managing their wealth. In the world of UHNW families, financial management often extends well beyond traditional investment decisions. Issues such as succession planning, estate structuring, tax efficiency, philanthropy, and governance of family enterprises all demand comprehensive oversight. Croak Capital responds to these needs with a tailored advisory framework designed to preserve wealth across generations while also empowering families to achieve broader goals. This approach distinguishes the firm in the Toledo market, where sophisticated family office services are increasingly in demand. The firm’s philosophy centers on offering more than financial strategies. By prioritizing holistic advisory, Croak Capital provides UHNW families with a structure that fosters communication, decision-making, and alignment around shared objectives. This broader perspective reflects a belief that true family office advisory for UHNW families in Toledo requires attention not just to numbers, but also to the relationships and responsibilities that come with wealth. What makes Croak Capital’s work notable is the accessibility of its services. Family office advisory for UHNW families in Toledo can often feel intimidating or overly technical. Instead, the firm positions its offerings in a way that speaks to both financial professionals and family members who may be less familiar with wealth management concepts. This balanced style has enabled families to engage more confidently in discussions about their legacy, their businesses, and their philanthropic pursuits. The Toledo market provides a distinctive backdrop for this type of advisory. While many UHNW families in larger metropolitan areas have long had access to family office firms, Croak Capital’s presence ensures that families in the region can benefit from a level of sophistication that rivals national institutions. This local accessibility adds convenience and strengthens the relationship between families and their advisors, as interactions are grounded in a shared understanding of regional values, community ties, and business culture. Croak Capital’s capabilities cover a wide spectrum. Investment advisory remains a central focus, with strategies crafted to balance growth opportunities with risk management tailored to UHNW profiles. Beyond investments, the firm helps families address generational planning, ensuring a smooth transfer of assets and responsibilities while mitigating conflict. Estate structuring, often complex and emotionally charged, is simplified through clear communication and pragmatic solutions. Tax planning is handled with an eye toward efficiency, always mindful of evolving regulations. Family governance, philanthropy, and education of younger generations round out a comprehensive menu of services. Another defining feature of Croak Capital is the emphasis on adaptability. The financial world continues to change rapidly, with new technologies, shifting markets, and evolving tax and regulatory environments. UHNW families require strategies that can flex with these changes while remaining anchored in long-term objectives. Croak Capital provides frameworks that are resilient, yet flexible, ensuring that families remain well-positioned regardless of external challenges. The firm also brings a culture of discretion and trust. For UHNW families, privacy is paramount. Croak Capital maintains processes that protect sensitive information while delivering transparent reporting and oversight. This blend of security and openness underscores the reliability of the firm’s advisory model. Families working with Croak Capital benefit from a forward-looking perspective. While immediate financial outcomes matter, the greater priority is ensuring that wealth is preserved and purposeful for future generations. Whether supporting entrepreneurial ventures, creating philanthropic legacies, or simply maintaining financial stability, the firm’s guidance is designed to keep families aligned with their chosen paths. In setting the standard for family office advisory in Toledo, Croak Capital demonstrates that excellence in wealth management is not confined to global financial centers. By merging technical expertise with a human-centered approach, the firm offers UHNW families a resource that is sophisticated yet approachable. The result is an advisory experience that supports not only the mechanics of managing wealth but also the aspirations and values that give wealth its meaning. Croak Capital’s presence reinforces Toledo’s standing as a community where UHNW families can access world-class advisory services without leaving the region. With a combination of strategic insight, adaptability, and a commitment to lasting relationships, the firm continues to chart a path that others in the family office advisory space look to as a model. Through its work, Croak Capital underscores that true wealth management involves not only protecting assets but also shaping a legacy that extends far beyond balance sheets. About Croak Capital: Welcome to Croak Capital – where our experts blend integrity with innovation. As fiduciary wealth management advisors, we are committed to prioritizing your best interests and delivering exceptional, personalized concierge service throughout your financial journey. Our exclusive clientele benefits from our decades of expertise, groundbreaking insights from top research firms, and our own innovative approaches. We help clients elevate their financial success and redefine wealth management based on their own specific goals and ideals. Come experience the Croak Capital difference.
- October 17, 2025Finance & Loan
Dilcia McRoy Announces the Launch of Capira to Empower Small Businesses with AI Driven Finance Solutions
Transforming Financial Empowerment: Dilcia McRoy’s Vision Dilcia McRoy’s journey from an Automotive Finance Manager to a visionary entrepreneur is a testament to the power of innovation driven by empathy and real-world experience. Her mission to transform financial literacy for individuals and small businesses has culminated in the creation of Investara and Capira, two initiatives designed to break down financial barriers and offer solutions that empower users. Now, McRoy has announced the latest evolution of her vision with the upcoming launch of Capira, an AI-driven finance platform that seeks to make financial management more accessible and effective for small businesses. From Automotive Finance to Founding a Movement McRoy’s career began in the automotive finance industry, where she observed the financial struggles of consumers, particularly those in the subprime market. This firsthand experience highlighted the severe lack of financial literacy among individuals and small business owners. McRoy’s passion for solving this problem led to the founding of Investara, a finance and business consulting firm focused on bridging the knowledge gap for individuals and businesses alike. Through Investara, McRoy has been able to partner with mortgage brokers, real estate agents, and entrepreneurs, offering them the financial guidance necessary to succeed in today’s complex financial landscape. But her mission didn’t stop there. Capira: Simplifying Business Finance with AI Technology As technology continues to reshape the business world, McRoy is taking her mission to the next level with Capira. The platform, which is currently in beta testing, combines advanced AI tools with human understanding to give small to mid-sized businesses the financial insights they need to succeed. Capira’s standout feature is its built-in AI CFO, which provides actionable insights and strategic guidance based on real-time data, offering businesses an automated, yet human-centric, approach to financial decision-making. With Capira, business owners will no longer need to rely on outdated financial models or complex spreadsheets. Instead, they will have access to an intelligent, intuitive system that simplifies their financial operations and supports sustainable growth. “Small and mid-sized businesses are the backbone of our economy, yet they often struggle with complex financial decisions. Capira is designed to level the playing field,” says McRoy. “By combining the power of AI with real-world financial experience, we can help businesses not only survive but thrive in a competitive marketplace.” Investara: Empowering Individuals with Financial Literacy While Capira focuses on helping businesses, Investara remains at the core of McRoy’s mission to democratize financial literacy for individuals. Through her consulting firm, McRoy continues to offer personalized financial education, helping clients make informed decisions about homeownership, business growth, and financial planning. At Investara, the focus is on clarity before contracts, with a firm belief that true empowerment comes from understanding, not just action. By offering educational resources and strategic advice, Investara helps clients build the confidence they need to navigate the often-complex financial world. Whether it’s understanding credit, mortgage options, or investment strategies, McRoy’s goal is to ensure that every individual has the tools to take control of their financial future. A Story Rooted in Experience and Empathy What sets McRoy apart from others in the financial space is her unique combination of hands-on experience and empathy. Having worked directly with individuals facing real financial struggles, McRoy is acutely aware of the challenges that many people encounter when dealing with financial institutions and business decisions. “I didn’t come from Silicon Valley, I came from the real world, where people face real financial challenges,” McRoy explains. “That experience has shaped my approach to finance. It’s about understanding the people behind the numbers, and that’s what drives me to create systems that truly help.” This human-first approach to finance has earned McRoy recognition as a Business Leadership Excellence finalist for the upcoming CXO 2.0 Conference in 2026 and a spot in Who’s Who in America for 2025. However, McRoy’s true satisfaction comes from the impact her work has on others. Looking Toward the Future: Financial Innovation for All The launch of Capira marks a significant milestone in McRoy’s mission to reshape the financial landscape. By combining advanced AI technology with her deep understanding of financial challenges, McRoy is poised to continue her work of empowering both individuals and small businesses. As Capira enters beta testing, the potential for this platform to revolutionize financial management for businesses is clear. Through her ventures, McRoy is not just changing the way businesses approach finance; she’s fostering a more inclusive, transparent, and empowering financial ecosystem for everyone. Her journey is one of turning obstacles into opportunities, and her work continues to inspire others to follow her lead. About Investara Investara is a finance and business consulting firm founded by Dilcia McRoy. The firm partners with mortgage brokers, real estate agents, and entrepreneurs to help clients build financial confidence and achieve goals such as homeownership and business growth. Investara offers a range of financial services, including educational resources and strategic guidance, with a focus on making financial literacy practical, accessible, and actionable. About Capira Capira is an AI-driven finance platform developed by Dilcia McRoy. Designed for small to mid-sized businesses, Capira combines advanced AI tools with real-world financial insights to help business owners make informed financial decisions. Capira features an AI CFO and intelligent CRM tools, transforming how businesses manage cash flow, efficiency, and growth. Media Contact Dilcia C. McRoy Founder & CEO, Investara Email: [email protected] LinkedIn: Dilcia McRoy LinkedIn: Investara Facebook: Investara Facebook Instagram: Investara Instagram Website: Investara Website
- October 17, 2025Finance & Loan
Almog Maimon Group Launches New Global Investment Strategy
A New Chapter in Strategic Investment Almog Maimon Group, a diversified investment and business development firm based in Israel, has announced a transformative update to its investment strategy, reinforcing its commitment to sustainable growth, hands-on involvement, and global market expansion. The firm, which partners with visionary entrepreneurs, has carved a niche in industries such as real estate, retail, hospitality, and finance. The announcement signifies a strategic shift that goes beyond traditional investment practices. It represents the firm's commitment to creating a global portfolio while ensuring each venture has a positive impact on the communities and sectors it serves. Sustainability as a Core Value In an increasingly dynamic market, sustainability has become a central pillar of Almog Maimon Group's investment philosophy. The firm has long been dedicated to seeking high-potential opportunities in a wide array of industries. However, this latest update underscores its growing focus on ensuring that growth is not just profitable but also responsible. By leveraging market intelligence, the company is committed to providing strategic funding and hands-on advisory services that promote long-term success. “The essence of our investment approach is rooted in integrity and insight,” said Almog Maimon, founder of Almog Maimon Group. “We believe that every venture, whether it's in retail, hospitality, or real estate, can thrive not only by scaling but by ensuring that it contributes meaningfully to its ecosystem.” A Visionary Entrepreneur: Almog Maimon’s Hands-On Approach Almog Maimon is renowned not just as an investor but as an entrepreneur who understands the intricacies of business development. Unlike traditional investors, Maimon’s approach is based on his direct experience of building businesses from the ground up. This hands-on philosophy sets him apart from other investors who prefer to remain passive in their involvement. By working side-by-side with founders, Maimon ensures that business models are refined and positioning is sharpened. This level of engagement allows for the long-term success of the ventures in which he invests, further bolstering his reputation as a visionary entrepreneur who doesn’t just fund businesses but actively contributes to their growth. A Global Eye With Local Insight With a wealth of experience in Asia, the Middle East, and Europe, Maimon brings a global perspective to his investments. This global eye, combined with an understanding of local markets, enables Almog Maimon Group to identify synergies that others often overlook. It’s this combination of cross-cultural intelligence and market trends that enables the firm to scale businesses efficiently while ensuring they remain grounded in their local contexts. Building Relationships Based on Integrity In a world often driven by quick wins and short-term gains, Almog Maimon Group places a high premium on integrity. “Integrity comes first,” said Maimon. “It’s not about short-term gains but building long-term relationships based on trust and transparency.” This philosophy has allowed Almog Maimon Group to build partnerships with entrepreneurs who value collaboration and long-term success over quick, transactional deals. Multi-Industry Expertise for Synergistic Growth Almog Maimon Group’s diversified portfolio spans several key industries, including real estate, retail, hospitality, and finance. This wide range of expertise provides the firm with the ability to identify untapped synergies and create a cohesive growth ecosystem. Whether it’s managing passive real estate investments or scaling retail brands, Maimon’s broad expertise enables him to leverage opportunities that others might miss. “True value in investments comes when the right elements come together. From hospitality destinations to innovative retail brands, we have the capability to spot and nurture growth across different sectors,” Maimon explained. Pragmatic Vision for Measurable Success Almog Maimon’s investment strategy is not just about dreaming big but executing with precision. The firm’s “pragmatic vision” combines ambition with measurable commercial logic. Each investment must resonate emotionally with both the founder and the team while delivering clear and measurable outcomes. This rare combination of vision and execution has allowed Almog Maimon Group to maintain consistent, sustainable success across multiple ventures. Human-Centered Investment Philosophy Almog’s philosophy emphasizes a human-centered approach to investing. Rather than simply focusing on spreadsheets, he prioritizes understanding the founders, their teams, and market behavior. This approach enables him to identify and back individuals who have already demonstrated resilience and product-market fit. His involvement goes beyond financing; it includes mentoring and refining the strategies that ensure sustainable growth. “We don’t chase ideas; we back people who have already turned ideas into results,” said Maimon. This perspective has led to the firm’s reputation as an investor who not only funds but actively supports the growth of its portfolio companies. A Vision for the Future Almog Maimon Group’s new strategic direction signals a forward-thinking approach to investment. By focusing on sustainability, hands-on involvement, and a global-local investment strategy, the firm is well-positioned to continue its upward trajectory and make a meaningful impact across industries. As the firm moves forward with its updated investment strategy, it remains committed to working with visionary entrepreneurs who share its commitment to integrity, growth, and long-term success. Almog Maimon’s approach to investment is one that fosters innovation, nurtures businesses, and builds lasting relationships in both local and global markets. About Almog Maimon Group Almog Maimon Group is a diversified investment and business development firm based in Israel. The firm partners with visionary entrepreneurs across a range of industries, including real estate, retail, hospitality, and finance. The Group’s commitment to sustainable growth, operational excellence, and strategic advisory has led to its success in identifying high-potential opportunities and scaling businesses globally. Founded by Almog Maimon, the Group operates with integrity and insight, ensuring every venture thrives both financially and socially. Media Contact Almog Maimon Almog Maimon Group Limited Email: [email protected] Website: Almog Maimon Group Limited
- October 16, 2025Finance & Loan
Virtual Cards Market Forecast to Reach USD 14.32 Trillion by 2030, Driven by E-commerce and B2B Automation Trends
Virtual Cards Market Outlook According to Mordor Intelligence, the virtual cards market size is projected to reach USD 14.32 trillion by 2030, up from USD 5.42 trillion in 2025, growing at a strong 21.45% CAGR. This growth is driven by the surge in B2B automation, e-commerce transactions, and policies supporting cash-lite economies. Businesses are increasingly adopting single-use virtual numbers for secure and seamless payments, while merchants gain from faster settlements and detailed transaction insights. With the rise of embedded-finance APIs, software providers can issue virtual cards instantly, and technologies like tokenization and biometric authentication are expanding their use from online to in-store payments, enhancing both reach and security. Key Trends in the Virtual Cards Market 1. B2B and Corporate Adoption Businesses are adopting virtual cards over checks and physical cards, using single-use numbers to streamline accounts payable, reduce reconciliation time, minimize fraud, and manage expenses efficiently. 2. E-commerce and Consumer Payments The rise of online shopping boosts virtual card adoption for digital payments, offering masked credentials, instant deactivation, and push-to-wallet features for safer, more convenient transactions. 3. Regulatory and Security Enhancements Supportive cash-lite regulations, open banking, and digital identity initiatives enable real-time settlements and API-based virtual cards, offering fraud protection through dynamic expiration, merchant restrictions, and transaction limits. 4. Technology Integration and Innovation Integrating virtual cards with embedded-finance APIs lets SaaS platforms issue cards instantly, enhancing efficiency, creating revenue, while tokenization and biometrics expand secure in-store and IoT payment usage. Check out more details and stay updated with the latest industry trends, including the Japanese version for localized insights: https://www.mordorintelligence.com/ja/industry-reports/virtual-cards-market?utm_source=marketersmedia Segmentation of the Virtual Cards Market By Use: Single-Use Multi-Use By Payment Type: Remote Payments POS Payments By End User: Consumer Business By Card Type: Virtual Debit Card Virtual Credit Card Virtual Prepaid Card By Region: North America: United States, Canada, Mexico South America: Brazil, Argentina, Chile, Peru, Rest of South America Europe: United Kingdom, Germany, France, Spain, Italy, Benelux (Belgium, Netherlands, Luxembourg), Nordics (Sweden, Norway, Denmark, Finland, Iceland), Rest of Europe Asia-Pacific: China, India, Japan, South Korea, Australia, South-East Asia (Singapore, Indonesia, Malaysia, Thailand, Vietnam, Philippines), Rest of Asia-Pacific Middle East and Africa: United Arab Emirates, Saudi Arabia, South Africa, Nigeria, Rest of Middle East and Africa Key Players in the Virtual Cards Market American Express Company: Offers virtual card solutions integrated with corporate platforms to enhance payment security and streamline B2B transactions. JPMorgan Chase & Co.: Provides virtual card services for businesses, focusing on automated accounts payable and fraud reduction. Mastercard Incorporated: Develops virtual card programs for secure digital and e-commerce payments globally. Visa Inc.: Enables virtual card issuance for consumers and businesses, supporting tokenization and digital wallet integration. Marqeta Inc.: Specializes in modern card issuing platforms, including virtual cards for businesses and fintech applications. Explore more insights on the virtual cards market competitive landscape: https://www.mordorintelligence.com/industry-reports/virtual-cards-market/companies?utm_source=marketersmedia Conclusion The Virtual Cards Market continues to gain momentum with the rising adoption of digital payment solutions across B2B automation, e-commerce, and secure transaction systems. As market participants emphasize tokenization, fraud prevention, and seamless API integration, virtual cards are emerging as a critical element in modern financial operations. The growing significance of this market highlights its importance for investment decisions, strategic planning, and operational efficiency. Get the latest industry insights on the virtual cards market: https://www.mordorintelligence.com/industry-reports/virtual-cards-market?utm_source=marketersmedia Industry Related Reports: US Virtual Cards Market The US Virtual Cards Market is projected to grow at a CAGR of over 6% during the forecast period. Growth is driven by increasing adoption of digital payments in B2B transactions and rising demand for secure, efficient virtual payment solutions across corporate and consumer segments. Get more insights: https://www.mordorintelligence.com/industry-reports/us-virtual-cards-market?utm_source=marketersmedia UK Virtual Cards Market The UK Virtual Cards Market is valued at USD 240.39 billion in 2025 and is expected to reach USD 542.32 billion by 2030, growing at a CAGR of 17.67%. The market expansion is driven by increasing e-commerce transactions and rising adoption of virtual cards for secure, streamlined B2B and consumer payments. Get more insights: https://www.mordorintelligence.com/industry-reports/uk-virtual-cards-market?utm_source=marketersmedia Europe Virtual Cards Market The Europe Virtual Cards Market reached USD 1.13 trillion in 2025 and is projected to grow to USD 2.62 trillion by 2030, registering a CAGR of 18.33%. The market growth is supported by increasing digital payment adoption, regulatory support for cash-lite economies, and rising demand for secure, efficient B2B and consumer payment solutions. Get more insights: https://www.mordorintelligence.com/industry-reports/europe-virtual-cards-market?utm_source=marketersmedia
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