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December 30, 2025

US Tax Certs Announces $2M Back-End Coverage Upgrade for NonQM Verification Letter Services

US Tax Certs has officially announced an upgrade to its industry-leading NonQM verification services with a $2 million per-file attestation and verification coverage enhancement. This increased protection gives NonQM lenders stronger documentation support, audit-proof compliance, and added safeguards for staff and stakeholders involved in mortgage production and operations related to processing and underwriting. The expanded coverage reflects the strength of the company’s proprietary attestation and business background verification systems, developed specifically for the unique demands of NonQM lending. Lenders now benefit from enhanced protection against repurchase issues and adverse action claims, while gaining the confidence to operate with verifications that exceed the highest compliance standards. Strengthening NonQM Lending with Verified Protection US Tax Certs, a “NonQM lender-friendly” tax firm, specializes in NonQM (Non-Qualified Mortgage) business background verifications for self-employed borrowers. Introduced in 2024, the firm's verification model was built to close gaps left by uncooperative tax firms and outdated processes that continue to create roadblocks for borrowers, brokers, and lenders. Led by industry veteran Danny Flucke, who has held production roles including Carrington, AngelOak, and KindLending, US Tax Certs developed a proprietary system that merges NonQM guidelines with IRS regulations. The result is a streamlined, audit-proof verification process tailored to the NonQM space. Recently, the firm’s verification process received approval for expanded E&O insurance, increasing its former industry leading $1M per file coverage, to an astounding $2 million in per-file adverse-action coverage, making it the standout leader in compliance assurance. Why Traditional Verification Methods Fall Short Many CPAs and tax preparers are unable or unwilling to provide the specific verification letters NonQM lenders require. This causes delays, missed opportunities, and increased fall-out rates for borrowers, brokers, and lenders. US Tax Certs bridges this gap with a licensed, certified, bonded, and insured IRS-compliant approach that produces the industry standard for NonQM verification letters. By combining verified data with documentation aligned to both IRS and mortgage industry standards, US Tax Certs helps NonQM lenders generate and close pipelines more efficiently while eliminating underwriting concerns. Built-In Compliance: Technology-Driven Verification The firm’s technology-driven verification process uses proprietary systems to cross-reference borrower and lender documentation against IRS data and premium business intelligence databases. The validation model verifies up to 30 data points including years self-employed, industry tenure, business start dates, entity status, licensing, expense ratios, business formation types, ownership percentages, and income source consistency. This dual-layer process ensures a high level of accuracy, supporting both underwriting and post-close reviews. Each letter issued meets strict compliance standards and is backed by the newly increased $2 million insurance coverage, offering protection for brokers, loan officers, underwriters, processors, and lenders alike. Recognized as 2025’s Best Self-Employed Verification Letter Provider US Tax Certs was recently named the Best Self-Employed Verification Letter Service in the U.S. by Best of Best Reviews . This award underscores the firm’s leadership in delivering fast, accurate, and insured documentation solutions for self-employed borrowers within the NonQM mortgage space. Here is a link to the award: US Tax Certs: Best Self-Employed Verification Letter Service in the US of 2025 Trusted by Lenders, Brokers, and Borrowers Lenders and brokers across the country have praised the speed, precision, and reliability of US Tax Certs. Brett W., a senior loan officer at one of the nation’s top NonQM firms, shared, “Danny and US Tax Certs are great. They’ve helped many of my clients with CPA letters and income verifications quickly and professionally.” Broker Hector D. commented, “Working with Danny and his team has been the best experience of my career. I will only use them going forward.” Borrower Mike M. noted, “My CPA wouldn't provide the letters needed by the lender. US Tax Certs turned it around fast so we could close on time.” These experiences reflect the firm’s consistent role in saving deals and delivering dependable solutions when other tax firms fall short. A Simplified Process for Production Teams US Tax Certs streamlines the verification process for production teams. Orders can be placed just like an appraisal, with quick turnaround times typically within 48 to 72 hours and same-day rush options available. This ease of ordering eliminates the need to rely on third-party tax preparers and reduces the risk of borrowers being given negative, uneducated advice, or worse, those same borrowers being steered away to a competitor. The result of partnering with USTaxCerts is higher retention, faster closings, and fewer conditions from underwriters. Reducing Risk, Enhancing Protection With licensed, certified, bonded, and insured verification services, US Tax Certs provides lenders with a dependable alternative to informal or uninsured tax letters. The firm’s commitment to compliance and accuracy has earned it a trusted position among top-tier NonQM lenders and brokers nationwide. Its upgraded $2M per-file insurance coverage now gives stakeholders peace of mind and legal protection unmatched in the verification space. This becomes significant as the CFPB is referring mortgage complaints to each of the 50 states individually. Navigating 50 different sets of state lending regulations is made simpler by USTaxCerts, with their nationwide attestation coverage. About US Tax Certs US Tax Certs is a “NonQM lender friendly” tax firm delivering audit-proof NonQM verification services to mortgage lenders, brokers, and self-employed borrowers. Co-founded by Danny Flucke, a veteran of NonQM lending, the company offers a proven, reliable, audit-proof verification process backed by $2 million in adverse-action claim coverage per file. For more information, visit US Tax Certs . Media Contact Danny Flucke Co-Founder, US Tax Certs Email: [email protected] Website: US Tax Certs LinkedIn - Danny Flucke LinkedIn - USTaxCerts USTaxCerts Official Site Reviews - Danny Flucke

December 28, 2025

Finance & Loan

Eunice.io Leverages Behavioral Data to Redefine Investor Relations and Financial Media

Transforming the Financial Media Landscape In an era where precision and scale are paramount in finance, Eunice.io is redefining the landscape of investor relations and financial media. Cofounded by Tiz Gambacorta and Claire Morgan, a finance industry veteran with a proven track record of managing nearly $1 billion in assets across global institutions, Eunice.io bridges the gap between traditional finance models and modern digital innovations. With a focus on data-driven insights, the company has emerged as a trusted media and data partner to publicly listed companies, supporting market access, liquidity engagement strategies, and audience intelligence. The Power of Behavioral Data At the heart of Eunice.io's success is its proprietary dataset, which encompasses roughly 16 billion annual behavioral datapoints. This wealth of data enables the company to track and analyze investor behavior at an unprecedented scale. Eunice.io doesn't just deliver messages to large audiences; it reaches the right audiences with unparalleled precision. This behavioral intelligence enables issuers to communicate with highly specific investor segments, resulting in more meaningful interactions and improved market outcomes. Eunice's Influence: A Platform Built for Investors Today, Eunice.io serves a diverse and sophisticated audience of over 4 million subscribers. With a vast network of engaged investors, the platform has become a go-to source for independent analysis, investment tools, and high-quality opportunities. Unlike traditional financial publishers that rely on broad, one-size-fits-all approaches, Eunice.io’s model is uniquely tailored to provide actionable insights to both companies and investors. This level of precision in identifying investor intent sets Eunice apart from the competition, making it a key player in modern financial media ecosystems. Tiz Gambacorta’s Vision: Combining Finance with Innovation Tiz Gambacorta’s extensive background in managing significant financial portfolios, paired with his education at Imperial College London, Oxford University, and Harvard Business School, laid the foundation for Eunice.io’s data-centric approach to investor acquisition. “I wanted to build a platform that combined institutional rigor with the speed and scale of digital platforms,” Gambacorta says. “Eunice is about more than just reaching investors; it’s about connecting companies with the right investors through a data-driven model that predicts behavior.” Advising Public Companies on Market Liquidity Beyond its digital media platform, Eunice.io is also a trusted advisor to publicly listed companies, offering strategic insight into investor relations and stock liquidity engagement strategies. Eunice’s expertise helps businesses maximize their presence in the financial markets by tapping into the company’s expansive and data-rich investor community. Through this advisory role, Eunice continues to shape the future of investor communications and media relations. Award Recognition: Best Investor Email List in the USA of 2025 Eunice.io has recently been honored with the prestigious Best Investor Email List in the USA of 2025 award by Evergreen Awards, an evaluator of financial media and marketing platforms. The recognition reinforces the platform’s data-driven approach and commitment to innovation, highlighting its role in helping public companies reach targeted investor audiences and further solidifying its place as a key player in the financial media sector. A Bright Future Ahead Looking forward, Eunice.io aims to expand its influence even further, continuing to innovate in the world of financial media. The company is poised to leverage its growing network and behavioral data to develop new tools and insights that will further enhance its value to investors and companies alike. With a strong foundation built on data, expertise, and scale, Eunice.io is set to remain at the forefront of the industry, positioning itself as a defining force in the future of investor media. About Eunice.io Eunice.io is a leading financial media platform that combines cutting-edge data science with a large, engaged investor audience. Cofounded by Tiz Gambacorta and Claire Morgan, Eunice serves over 4 million investors, providing them with the tools and insights they need to make informed investment decisions. The platform uses a proprietary dataset of ca. 16 billion behavioral data points annually to precisely match investors with opportunities. Eunice is trusted by publicly traded companies for its expertise in market access, liquidity engagement strategies, and investor audience intelligence. Media Contacts Marcin Dec Eunice.io , CEO LinkedIn: Marcin Dec's LinkedIn Tiz Gambacorta Eunice.io , Cofounder LinkedIn: Tiz Gambacorta's LinkedIn Email: [email protected] Phone: +1 917 779 9432 Website: https://eunice.io/ LinkedIn: Eunice.io LinkedIn

December 25, 2025

Finance & Loan

The Founder Transforming How Entrepreneurs Access Zero Percent Interest Business Credit

A Vision Built From Experience — and Frustration Austin grew up in a family where entrepreneurship wasn’t just encouraged — it was a way of life. His father ran a successful jewelry business for more than 30 years, and his mother built multiple businesses of her own. From them, Austin learned the work ethic, consistency, and resilience required to build something meaningful. But when it came time to build something of his own, he faced a barrier he didn't expect. After earning a finance degree and briefly working in the corporate world at E*TRADE (now Morgan Stanley), Austin launched an Amazon business that quickly gained traction. Yet when he tried to secure funding to scale, banks wouldn’t give him a chance. The problem wasn’t his ambition. Or his results. Or his work ethic. It was simply that he didn’t fit the mold that traditional lenders look for. That frustration became the turning point. Through research, trial and error, and building the right relationships, Austin discovered a funding resource most entrepreneurs don’t realize exists: 0% interest business credit. Not only was it accessible, it was a powerful tool used quietly by seasoned entrepreneurs and companies to scale without burning cash flow. Once Austin understood how business credit truly worked, everything changed. He knew immediately: Every entrepreneur deserves access to this information — and the opportunity it provides. Supreme Funding: A New Standard for Business Credit Supreme Funding was built to solve the very problem Austin once faced. And from day one, he made a decision that would define the company: No upfront fees. No empty promises. Only results. “We only get paid when clients successfully secure funding,” Austin explains. “It forces us to deliver, and it removes the risk for entrepreneurs who already have enough on their plate.” What truly sets Supreme Funding apart is its personalized, strategic approach. There is no template, no automated system, no generic funnel. Every client’s credit profile is reviewed individually. Every funding plan is customized. Every lender relationship is leveraged with intention. The result? Clients routinely secure $50,000 to $250,000+ in 0% interest business credit , often within days — not months. A Partner Entrepreneurs Can Trust In an industry crowded with companies that overpromise, underdeliver, or charge high upfront fees, Supreme Funding stands out for one simple reason: Integrity is the business model. “We treat every client like a partner and a friend, not a transaction,” says Austin. “Entrepreneurs don’t fail because they lack ideas — they fail because they lack funding. Our mission is to change that.” Supreme Funding also prioritizes education. Clients learn how business credit works, how to continue building it long-term, and how to make smart funding decisions with confidence. This level of transparency is rare — and it’s resonating. Entrepreneurs from e-commerce to real estate to service-based companies are accessing capital they never thought possible. One client, Jessica G., shared: “The process was quick, easy, and personalized. I secured over $72,000 of funding at 0% interest in just a few weeks and immediately used it to grow my business. Supreme Funding changed everything for me.” Supreme Funding’s Latest Achievement: Best Business Credit Consulting Firm in the United States of 2025 In December 2025, Supreme Funding was recognized as the Best Business Credit Consulting Firm in the United States by Best of Best Reviews. This prestigious honor highlights the company’s impact on the small business community. Supreme Funding's commitment to empowering entrepreneurs with accessible, low-cost funding solutions has earned it this well-deserved recognition. Why Business Credit Matters Now More Than Ever For many entrepreneurs, 0% interest business credit is the difference between staying stuck and scaling aggressively. It offers: No tax returns required No revenue verification No personal cash strain Higher limits than personal credit A way to grow without giving up equity or taking on predatory loans As more small business owners look for flexible, nontraditional funding solutions, Supreme Funding is leading the movement with a model built on transparency, performance, and trust. A Future Built on Opportunity Austin’s journey — from being denied funding to helping entrepreneurs nationwide secure millions in business credit — is a testament to what’s possible when someone refuses to accept traditional limitations. His message to aspiring founders is simple: “The best time to start was yesterday. The next best time is today.” Supreme Funding is more than a consulting firm — it’s a lifeline for entrepreneurs who simply need the right opportunity at the right time. And for many, that opportunity starts here. About Supreme Funding Supreme Funding is a business credit consulting firm helping entrepreneurs access high-limit, 0% interest business credit quickly and transparently. With a client-first, no-upfront-fee model and a personalized funding strategy tailored to every individual, Supreme Funding has helped hundreds of clients secure millions in capital to start, scale, and stabilize their businesses. Media Contact Austin Weisheipl Supreme Funding Founder & CEO Email: [email protected] Phone: +1 404-939-1658 Website: www.supremefunding.co Instagram: @supremefunding LinkedIn: Supreme Funding Reviews: Client Testimonials

December 24, 2025

Finance & Loan

Affinity Advisory Network Enhances Senior Financial Estate Planning

Affinity Advisory Network: A Leader in Senior Estate Planning Solutions As the aging population continues to grow in the United States, many seniors find themselves seeking professional guidance to navigate the complexities of financial and estate planning. Affinity Advisory Network is addressing this growing need by offering tailored financial services that help seniors protect their assets, increase returns, and minimize taxes. With more than 100 years of combined experience in financial, legal, and tax matters, Affinity Advisory Network is uniquely positioned as a one-stop shop for comprehensive financial estate planning. Multidisciplinary Expertise for a Comprehensive Approach Affinity Advisory Network stands out in a crowded market by providing a truly multidisciplinary approach. Unlike other firms that specialize in one area of financial planning, Affinity brings together a team of financial, legal, and tax experts who collaborate seamlessly to create the best possible solutions for their clients. Whether seniors are focused on preserving wealth for future generations, optimizing returns on their investments, or ensuring their estates are properly managed, Affinity’s team offers a holistic strategy that covers all essential aspects of estate planning. “We are the only firm that can provide a comprehensive solution,” says Robert Hall, President and CEO of Affinity Advisory Network. “Our team is made up of experts in every discipline required to craft effective financial estate plans for seniors. We believe that clients should not have to go from one professional to another; they should have everything they need in one place.” Serving Over 763 Cities Across the United States Affinity Advisory Network has earned a reputation for its client-focused services and has expanded its reach to over 763 cities across the United States. The firm’s growth is a testament to its commitment to providing expert advice and trusted services to seniors nationwide. By offering personalized consultations and using its vast network of resources, Affinity helps clients in every corner of the country secure their financial futures. Featured in Forbes: A Recognition of Excellence Affinity Advisory Network’s innovative approach to financial planning has garnered widespread recognition. The firm was recently featured in Forbes for its unique, multidisciplinary strategy. This acknowledgment further solidifies Affinity’s standing as a leader in the financial estate planning sector, providing clients with a full spectrum of services designed to meet their diverse needs. Asset Protection and Tax Minimization: A Focus on Senior Needs As seniors approach retirement or enter the later stages of life, many face the challenge of protecting their wealth while minimizing their tax burden. Affinity Advisory Network specializes in helping seniors navigate these complexities. With tailored strategies for estate planning, tax reduction, and asset protection, Affinity ensures that seniors can enjoy a financially secure future without the worry of excessive taxation or the risk of losing their hard-earned assets. “Our mission is to help clients protect their wealth and enjoy peace of mind in their later years,” says Hall. “We work closely with seniors to craft estate plans that are as unique as their needs, ensuring their financial legacy is secure.” A Trusted Partner for Senior Estate Planning Affinity Advisory Network’s multidisciplinary approach ensures that seniors receive the highest level of care and attention in every aspect of their financial and estate planning. Whether clients are looking to protect their assets from taxation, maximize their returns, or ensure their estates are handled according to their wishes, Affinity Advisory Network offers unparalleled expertise and support. To learn more about how Affinity Advisory Network can assist in creating a comprehensive financial estate plan for seniors, visit their website at www.affinityadvisorynetwork.com . About Affinity Advisory Network : Affinity Advisory Network is a multidisciplinary financial and estate planning firm with over 100 years of combined experience in the financial, legal, and tax sectors. The company offers a comprehensive suite of services designed to protect assets, increase returns, and minimize taxes for individuals and businesses across the United States. Affinity's team of experts works closely with clients to provide personalized strategies tailored to their specific needs, ensuring long-term financial security. Media Contact : Robert Hall President/CEO, Affinity Advisory Network LLC Email: [email protected] Website: www.affinityadvisorynetwork.com

December 23, 2025

Finance & Loan

Trapped in a Digital Blacklist: The Silent Crisis Freezing Bank Accounts Worldwide

Global Leaders ReputationUP and HelpRansomware Highlight Risks of Erroneous Financial Blacklists Impacting Individuals Worldwide ReputationUP Group , led by CEO EMEA Andrea Baggio and CEO America Juan Ricardo Palacio, announces a new campaign to raise awareness about the significant risks posed by inaccuracies in compliance databases such as World-Check, which financial institutions rely on to detect fraud, money laundering, and other illicit activities. Millions of individuals globally are increasingly finding their financial lives disrupted by erroneous or outdated information in these databases. Common consequences include frozen bank accounts, rejected loan applications, blocked international transactions, and terminated business relationships. In many cases, these actions occur without warning and are triggered by mistaken identity, outdated news reports, unverified online rumors, or technical errors in data aggregation. Reports from international media, including the BBC and The Economist, have documented cases in which individuals spend years attempting to clear their names after being wrongfully listed, often with significant personal and financial consequences. ReputationUP Group’s Response and Solutions ReputationUP Group addresses these challenges by collaborating with legal and technology experts across five continents. Their solutions include: The RepUP Monitoring Tool continuously monitors online content to detect potential threats before they affect compliance databases. The RepUP Guardian Tool, which identifies and helps remove inaccurate or defamatory information from hundreds of websites. HelpRansomware, the group’s emergency response team, focuses on cases where deliberate cyberattacks have led to inclusion on blacklists. Advocating for Stronger Protections As new technology regulations are implemented throughout 2025, ReputationUP is advocating for greater transparency and stronger safeguards to prevent unintentional impacts on innocent individuals. The group urges financial institutions and regulators to review current practices and enhance protections for those affected by database errors. For LinkedIn | ReputationUP | HelpRansomware

December 22, 2025

Finance & Loan

MergersandAcquisitions.net Releases In-Depth Financial Services & FinTech M&A Trends and Analysis Report

Mergers & Acquisitions , a trusted authority on middle-market mergers and acquisitions research and advisory services, today announced the publication of its latest market research study: the Financial Services & FinTech M&A Trends and Analysis Report . The report delivers a comprehensive examination of merger and acquisition activity shaping the global financial services and financial technology sectors. As financial institutions and FinTech companies navigate rapid digital transformation, evolving regulatory frameworks, and shifting capital markets, M&A has emerged as a critical strategy for growth, scale, and competitive differentiation. This newly released report analyzes how strategic acquirers, private equity firms, and institutional investors are approaching acquisitions amid renewed deal momentum in 2025. The Financial Services & FinTech M&A Trends and Analysis Report provides a data-driven overview of transaction volume, valuation multiples, capital deployment strategies, and buyer behavior across key sub-sectors, including payments, digital banking platforms, lending technology, WealthTech, insurance technology, and core financial infrastructure. Among the report’s key insights: Resurgence of Deal Activity: After a period of market recalibration, financial services and FinTech M&A activity has accelerated as interest rates stabilize and buyer confidence returns. Strategic acquirers and financial sponsors are actively pursuing both platform acquisitions and tuck-in opportunities to expand capabilities and market reach. Technology-Led Consolidation: Payments, merchant services, embedded finance, and digital banking infrastructure continue to drive consolidation as incumbents seek modernized technology stacks and FinTech operators pursue scale. Valuation Divergence by Segment: While premium multiples remain for high-growth, recurring-revenue businesses—particularly B2B SaaS and infrastructure-oriented FinTech—more traditional or credit-sensitive segments are seeing disciplined pricing and heightened diligence. Private Equity’s Evolving Role: The report highlights the increasing sophistication of financial sponsor strategies, including buy-and-build platforms, minority growth investments, and cross-border acquisitions designed to unlock operational synergies. “ Financial services and FinTech M&A is entering a more mature and strategic phase,” said Ryan Schwab, Managing Director at MergersandAcquisitions.net . “Rather than growth at any cost, buyers are prioritizing durable revenue models, scalable technology, regulatory readiness, and operational efficiency. This report is designed to help dealmakers understand where value is being created—and where risks still exist.” The research combines transaction data, market observations, and sector-specific analysis to provide actionable insights for business owners considering an exit, corporate development teams evaluating acquisitions, and investors assessing opportunities in the financial services ecosystem. The Financial Services & FinTech M&A Trends and Analysis Report is now available through the MergersandAcquisitions.net Insights platform and is part of the firm’s ongoing effort to deliver timely, sector-focused intelligence to the middle-market deal community. About MergersandAcquisitions.net MergersandAcquisitions.net is a leading mergers and acquisitions research and advisory platform serving business owners, private equity firms, family offices, and corporate acquirers. The firm publishes in-depth industry reports and provides strategic guidance across the full M&A lifecycle, helping stakeholders make informed decisions in complex transaction environments.

December 19, 2025

Finance & Loan

PayDo Unveils Major Ecosystem Expansion with Direct Acquiring, SEPA Instant, and Open Banking Innovations

PayDo, a globally regulated financial ecosystem for online businesses, today announced a strategic expansion of its platform with three pivotal infrastructure upgrades: Direct Acquiring, Direct SEPA & SEPA Instant Access, and Dedicated C2B Open Banking Collection Accounts. These are not isolated products but integrated components of PayDo’s single, unified ecosystem, designed to give merchants unparalleled control, lower costs, and streamlined operations. Photo Courtesy of PayDo This expansion directly attacks the high cost and complexity of payment fragmentation, where businesses typically manage separate providers for banking, card processing, and alternative payment methods. PayDo’s model consolidates these critical functions under one contract, one integration, and one relationship. The Core Ecosystem Upgrades: Direct Acquiring: PayDo is now a principal member acquirer for Visa and Mastercard. This eliminates intermediary processors, reducing card transaction costs and providing merchants with improved authorization rates, faster settlements, and direct reporting integration into their PayDo dashboard. Direct SEPA & SEPA Instant Access: As a direct SEPA member, PayDo offers native euro payment processing. This removes correspondent bank delays for EU transactions and provides access to SEPA Instant, enabling businesses to send and receive euro payments in seconds, 24/7, directly within their existing PayDo account. Dedicated C2B Open Banking Collection Accounts: A pioneering innovation, this solution transforms how businesses receive payments via Open Banking. Rather than treating instant bank transfers as generic account credits, PayDo provides merchants with a dedicated account environment that processes, tracks, and reconciles these payments at scale—turning a promising rail into a reliable, high-volume payment method. Unique Benefits for Online Businesses: This integrated approach solves multiple pain points simultaneously. E-commerce platforms, SaaS companies, and digital marketplaces can now: Reduce Operational Overhead: Manage card transactions, instant bank transfers, and multi-currency banking in one place, slashing reconciliation time and vendor management. Cut Transaction Costs: Direct access to card schemes and SEPA removes layers of intermediary fees. Accelerate Cash Flow: Access to SEPA Instant and faster card settlements improves liquidity. Enhance Conversion & Trust: A variety of payment methods and a streamlined, unified compliance framework support a smoother customer payment experience. “Our role is to build the cohesive infrastructure that lets online businesses focus on growth, not financial logistics,” said Serhii Zakharov, CEO and Founder of PayDo. “These aren’t just new services; they are the essential rails of modern commerce, now integrated directly into our ecosystem. We’re giving our clients direct control, removing the fragmentation burden, and proving that a unified platform is the most powerful tool for global scaling.” PayDo’s ecosystem, which processes over €5 billion annually, ensures full regulatory compliance is embedded within the platform. The latest features are now available to all business clients. About PayDo: PayDo is a globally regulated payment ecosystem designed specifically for online businesses. By unifying multi-currency accounts, global acquiring, mass payments, card issuing, and advanced Open Banking solutions into a single platform, PayDo eliminates the complexity and fragmentation hindering progress. For more information, visit https://paydo.com .

December 19, 2025

Finance & Loan

QuoMarkets Redefines Trading Access with New "Under-Three-Minute" Onboarding Protocol

In an industry where account verification often involves lengthy delays and complex paperwork, QuoMarkets is distinguishing itself with a streamlined approach that prioritizes speed and simplicity. The brokerage has implemented a proprietary structure that allows traders to register and verify their accounts in under three minutes, a move designed to eliminate the friction that typically discourages new market participants. For many traders, the excitement of entering the market is often dampened by the onboarding struggle, a cycle of uploading, waiting, and resubmitting. QuoMarkets has reversed this norm. By reducing the cognitive load and administrative requirements, the platform offers an experience that users describe as taking "less time than making a cup of coffee." A Clean Structure Designed for Speed The efficiency of the new system relies on a specific methodology. QuoMarkets has stripped away the "folder full of documents" requirement common among competitors. Instead, the process is built on The 3-Step Formula Behind QuoMarkets’ Under-Three-Minute Onboarding , which focuses purely on what is necessary to get started safely and quickly. Step 1: Removing Confusion The process begins with a registration page devoid of overwhelming data fields. Users frequently report completing this initial step in under a minute, noting the absence of complicated requests. The design is intentional, aiming to prevent second-guessing and allow traders to move forward immediately. Step 2: Single-Document Verification Addressing a common frustration, QuoMarkets requires only a single document for identity verification. This stands in stark contrast to the industry standard, which often demands identity proof, address proof, and bank statements. Traders have cited this reduction in paperwork as a major relief, noting they could simply upload a clear ID photo and proceed without searching for utility bills. Step 3: Rapid Activation The final verification step is where the platform sees the most significant feedback regarding speed. While the industry norm often involves wait times of hours or days, QuoMarkets users report their accounts becoming active within minutes. This immediate turnaround provides a sense of momentum, allowing users to start trading almost instantly. Impact on User Confidence The accelerated onboarding process serves a purpose beyond convenience; it establishes trust. A smooth, efficient entry creates a positive first impression, signaling to traders that the operational environment is robust and respectful of their time. Reviews across trading communities highlight that this lack of friction empowers users, giving them the confidence that the platform itself will be equally smooth and responsive. About QuoMarkets QuoMarkets is a multi-asset trading platform committed to democratizing access to global financial markets. With a focus on speed, transparency, and user experience, the broker offers advanced trading tools and competitive conditions for traders of all levels. By continuously innovating its technological infrastructure, QuoMarkets ensures a seamless trading journey from registration to execution.

December 19, 2025

Finance & Loan

Panda Foresight Bridges The Information Gap Between Global Investors & Asian Markets

The current global business environment is in a state of information overload, yet there’s also one critical thing missing from the landscape: deep, high-value Asian market intelligence. At the moment, discovering insights into the Chinese economy (and other Asian markets) is scarce. Panda Foresight looks to change this by becoming an indispensable “daily decision-making reference tool” for international corporate executives, investors, and researchers through its unique depth of analytical perspective. Not Just News, But Foresight Panda Foresight was named as such for a core reason: this platform differs from traditional news feed media because it doesn’t focus on fragmented, quick updates. Instead, the goal is to give readers deep causal analysis and forecasts of trends that are likely to arise in the future. Readers will receive expert China economic insights with a focus on the impact they have on business or investment decisions. Speaking to the press, one of the brains behind Panda Foresight stated that “Panda Foresight not only documents the occurrence of business events, but is dedicated to uncovering the macroeconomic logic and long-term implications behind these events”. Breaking Down Barriers Between Culture and Commerce What’s all the more interesting is that Panda Foresight operates as a two-way window that can be used as a cross-border business intelligence solution. While a key goal revolves around helping the world understand China and Asia’s emerging opportunities (e.g. the Belt and Road Initiative, supply chain upgrades, etc), it also helps Asian enterprises understand global compliance and go-global challenges. Both sides benefit from the platform, enabling better relationships between the West and Asian markets. It’s a platform that intends to foster greater communication and understanding between businesses and investors in both key markets. Built For Decision-Makers It’s important to note that Panda Foresight isn’t just another news platform that anyone can use. The platform specifically serves high-net-worth individuals and professionals, and is largely B2B in its nature. Readers don’t go there to find the latest news relating to China or Asia; it’s all about delivering updates that help key decision-makers in positions of power within large corporations. Considering the platform is free to use, it’s one of the first of its kind with such a sharp focus on high-value Asian markets. In uncertain economic cycles, Panda Foresight will continue to provide certainty through analysis and insights to those who need it the most. Readers can learn more by visiting www.pandaforesight.com - or subscribe to the platform for the latest updates. About Panda Foresight Panda Foresight is a free platform and premier authority on global finance. It delivers real-time data, in-depth analysis, and exclusive insights across all major financial markets - particularly those in East Asia. Created by a team of seasoned financial journalists, analysts, and industry specialists, all stories are backed by comprehensive research to deliver the most accurate information possible.

December 19, 2025

Finance & Loan

Zero Pay Bank Announces New Industry Insight Highlighting the Rise of Mobile Billing Networks as Digital Gatekeepers

Zero Pay Bank, a South Korea–based small payment cashing information platform and user community, has released a new industry insight outlining how mobile billing networks are rapidly emerging as the internet’s next major gatekeepers—quietly shaping access to digital services, identity verification, and micro-level financial participation worldwide. According to Zero Pay Bank’s analysis, this transformation has taken place largely out of public view. While browsers, search engines, and social platforms once defined digital access, telecom-based billing systems now operate as decision-making layers that influence who can transact, subscribe, or access paid digital services. A Silent Transformation Behind Everyday Mobile Payments Mobile billing networks were originally designed as supporting infrastructure. Today, they function as transaction-level control points that authenticate users, approve charges, and filter risk—often before any traditional banking or card network becomes involved. “In many regions, a mobile phone number becomes a user’s first financial identity long before a bank account exists,” Zero Pay Bank noted. “Usage history, recharge behavior, SIM registration, and network stability collectively form behavioral profiles that power modern micropayment systems.” This shift is particularly visible across Asia, Africa, and parts of South America, where telecom billing bridges gaps left by limited banking access. Global policy discussions, including research referenced by The Financial Stability Board (FSB) , increasingly recognize mobile-based billing infrastructure as systemically important to digital finance and consumer payment ecosystems. Telecom Billing as the New Access Layer Zero Pay Bank’s report explains that mobile billing networks now solve three structural challenges simultaneously: making users financially reachable, enabling frictionless micro-transactions, and providing real-time identity verification for service providers. As a result, telecom infrastructure has become a universal access layer for small digital purchases, subscriptions, information usage fees, and virtual goods. This evolution positions Telco-based identity and billing networks as both transaction rails and access filters within the modern digital economy. How Micropayments Shifted Power to Telecom Networks As digital commerce moved toward low-value, high-frequency payments, telecom operators shifted from passive infrastructure providers to active participants in transaction decision-making. Even small purchases—such as in-app features, digital content access, or short-term subscriptions—pass through carrier billing systems that evaluate identity validity, usage patterns, and regional policy constraints. These decisions increasingly determine whether users can participate in the digital economy, mirroring the gatekeeping role once held by browsers and early internet service providers. Security Layers Operating Behind the Scenes Zero Pay Bank also highlighted the growing role of Next-Generation Micropayment Security Layers , which link telecom metadata with financial risk scoring models. These systems analyze device integrity, SIM authentication, behavioral deviations, location anomalies, and network spoofing attempts in real time. While largely invisible to end users, these security layers quietly decide which transactions proceed, which are delayed, and which are blocked—shaping digital commerce flows without appearing on the payment interface. Regulation Is Accelerating Telecom’s Financial Role Regulators are increasingly treating telecom billing systems as hybrid financial infrastructure. AML expectations, SIM-based identity standards, and data protection requirements continue to expand, drawing mobile operators deeper into financial responsibility. Policy discussions referenced by institutions such as The Financial Stability Board (FSB) point to the growing reliance on telecom networks as both access enablers and risk-control mechanisms in modern payment systems. A Global Shift That Continues to Accelerate According to Zero Pay Bank, regions with limited banking infrastructure rely on mobile billing as their primary digital finance gateway, while advanced fintech markets use telecom identity data as a fraud-screening and risk-profiling layer. This dual function—access and protection—explains why mobile billing networks are becoming structurally unavoidable in digital commerce. “Mobile carriers did not set out to become gatekeepers,” the company stated. “But when most digital purchases fall under a few dollars, the infrastructure controlling micropayments inevitably shapes digital participation.” About Zero Pay Bank Zero Pay Bank is a registered South Korea–based information platform and user community focused on small payment cashing, micropayment policy guidance, and telecom billing education. Through real user experiences and continuously updated policy insights, the platform provides practical information on safe usage, risk awareness, and evolving mobile payment structures.

December 19, 2025

Finance & Loan

Chase Buchanan Private Wealth Management Partners With A Place in the Sun to Produce Free Webinar for Expats in Spain

Global financial advisory expatriate specialists, Chase Buchanan Private Wealth Management, have worked with A Place in the Sun to create a new, free and informative webinar, available online now, focused on Financial Planning for Expats in Spain . The webinar is readily accessible and includes links to additional downloadable resources, including guides to taxation and residency in Spain, as well as a contact form for expats who would like to submit any further questions to the wealth management professionals. Topics Covered in Chase Buchanan’s Latest Online Webinar for Expats in Spain This most recent video guide is part of a long-running series. The Chase Buchanan teams around the world share a huge amount of information, guidance, and insight through webinars, articles, and knowledge guides. These resources are designed to improve education on expatriate financial management and ensure more expats are conscious of the common stumbling blocks those relocating overseas encounter. Concentrating on Spain, which remains one of the most popular destinations for British nationals choosing to move abroad, the webinar is hosted by Liz Rowlinson, Property Journalist from A Place in the Sun, who interviews Steve Langford, specialist in cross-border financial planning and Nicole Sandler, based at Chase Buchanan's Valencia office. The panel progresses through numerous key areas expats should be familiar with, including: Optimising timings for relocations and UK property sales from a tax perspective Compliance with regulations in both the UK and Spain Practicalities of applying for visas and becoming a Spanish tax resident Ways to manage investments and other products during a relocation Spanish succession taxes and contrasts with the UK inheritance tax system Differences between taxation across the Spanish municipalities Considerations for expats potentially planning to repatriate in the future Running through several scenarios, the webinar also covers, in real-world, jargon-free terms, how to avoid problems, with actionable guidance on preventing surprise tax liabilities shortly after relocating. Factors Behind Chase Buchanan’s Development of New Resources for British Nationals in Spain Lee Eldridge, Group CEO and Head of Investment Advisory at Chase Buchanan Private Wealth Management, says, ‘ Knowledge really is power, and it’s vitally important that we continue to advocate for the value of professional, accurate and personalised advice, especially following significant tax reforms and changes to visa categories that can have marked impacts. During the webinar, it was particularly great to hear from Paul and Vhari, who are clients based close to Malaga who have worked with Steve for some years. I’m grateful they took the time to contribute their thoughts about the difference financial advice can make, talking about the comfort of financial stability, knowing their futures are well looked after, and having confidence in their long-term plans.’ Another Chase Buchanan client, Trevor, was kind enough to share his experiences, having been living in Spain for around a year, and speaks about the process of researching and choosing a financial adviser, something we know will be incredibly useful for others at a similar point within their move. It was great to listen to him describe his sense of support and the assurance of knowing that when inevitable problems arise, he can trust his adviser to act promptly .’ Alongside the interview and panel discussions, the webinar shares insight into how the financial landscape and tax framework operate in Spain, what goes into optimising a tax position, and the importance of structuring wealth and assets to ensure relocations are smooth and stress-free. The webinar is designed to be equally useful for expats planning a move to Spain, working towards retirement, keen to manage investments and savings, or looking to lay the foundations for a comfortable, well-financed life abroad. Additional Resources for Expats in Spain from Chase Buchanan Private Wealth Management For those keen to access more information, the links below the webinar video, published via the A Place in the Sun website, connect directly to two guides: The Expatriates Guide to Taxes in Spain and the Spain Residency Guide for Expats. These documents can also be downloaded from the Chase Buchanan website. Further guidance is available through the company's knowledge hub, including a Moving Abroad Checklist and a general Guide to Retiring in the EU. Prospective clients are welcome to contact Chase Buchanan to arrange a complimentary financial review, as a starting point to accessing advisory assistance and creating tailored strategies specific to the individual or family. Read more about Chase Buchanan - Chase Buchanan Private Wealth Management Highlights Key Autumn 2025 Budget Takeaways for Expats

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