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November 21, 2025

Hexillia Strengthens Middle East Presence with Strategic Expansion

Hexillia Strengthens Middle East Presence with Strategic Expansion Hexillia, a prestigious strategy firm headquartered in the United Arab Emirates with a well-established presence in Africa, is expanding its operations into the Middle East. Known for its discreet, high-impact solutions, Hexillia delivers tailored expertise to governments, sovereign funds, and leading private entities, driving transformative national and economic advancements. "Our expansion into these dynamic markets reinforces our commitment to discretion, precision, and trusted partnerships,” said Nikole Read, CEO of Hexillia. “We are equipped to lead complex, high-stakes initiatives where confidentiality is critical and the focus is on shaping enduring national progress.” Leadership in High-Value National and Investment Initiatives Hexillia’s expanded services target governments, sovereign wealth funds, and multinational corporations navigating intricate investment landscapes. The firm excels in strategic investment planning, governance enhancement, and major infrastructure projects, each designed to ensure sustainable growth, resilience, and the protection of key stakeholders’ reputations. “We partner with institutions where trust and discretion are foundational,” said Read. “Our expertise lies in executing projects that deliver lasting impact on national economies and societies with understated efficiency.” Catalysts for National Growth and Long-Term Transformation Hexillia’s mission goes beyond traditional services, focusing on fostering national development and enduring economic evolution. Collaborating with governments and international organizations, Hexillia builds robust frameworks that support prosperity well beyond immediate outcomes. “We don’t just guide nations, we establish the foundations for their independent success,” said Read. “Our work, often conducted with a low profile, sets the stage for centuries of stability and growth.” The Principle of Strategic Precision Hexillia operates on the principle of “strategic precision,” emphasizing careful analysis and deliberate action. This approach ensures that every strategy is implemented with exactness and minimal disruption, allowing sustainable value to emerge organically. “We create environments where progress and influence develop naturally, avoiding unnecessary upheaval,” Read explained. “This is how we deliver consistent, long-term value to our partners.” Harnessing Regional Expertise for Strategic Success Hexillia’s Middle East expansion leverages its deep regional knowledge, built on its UAE base and established African operations. Through strong partnerships with local stakeholders, the firm navigates the unique cultural, political, and economic dynamics, customizing its strategies for maximum effectiveness and mutual benefit. “Local insight is the backbone of our success,” said Read. “We combine global perspectives with regional expertise to ensure our solutions are both impactful and contextually relevant.” Building Lasting Partnerships for Enduring Impact Hexillia’s growth strategy centers on forging durable, trust-based collaborations with its clients and stakeholders. By prioritizing sustainable, mutually beneficial relationships, the firm ensures its work generates value far beyond individual projects. This has solidified Hexillia’s standing as a trusted leader in both public and private sectors, delivering significant results in the world’s most challenging markets. “We don’t just complete projects, we cultivate partnerships that drive value over time,” Read added. “Our dedication is to achieving lasting success for all involved.” About Hexillia Hexillia is a global strategy firm specializing in high-stakes nation-building and investment projects within emerging markets. Based in the United Arab Emirates with a strong foundation in Africa, Hexillia partners with sovereign entities, private investors, and multinational corporations to execute complex initiatives. Recognized globally as a leader, Hexillia is renowned for its discretion and precision, making it a key player in shaping transformative outcomes. Media Contact Sophie Lau PR Spokesperson, Hexillia Email: [email protected] Website Instagram LinkedIn

November 21, 2025

Finance & Loan

Hexillia Announces Its Quiet Authority in Driving High Impact Projects Across Africa

Hexillia Reveals Its Strategic Approach to High-Value Government and Investment Projects Hexillia, a premier advisory firm, has announced its expertise in providing highly confidential, high-value advisory services to a select group of clients across Africa and beyond. Known for its quiet authority, Hexillia operates at the intersection of vision and execution, serving sovereign institutions, private investment groups, and multinational stakeholders. The firm plays a crucial role in ensuring the success of complex, high-stakes projects that require strategic insight, confidentiality, and precision. At Hexillia, discretion is not just a value, it is a cornerstone of the firm's operations. The company’s focus on confidentiality, trust, and delivering impactful results has set it apart in the competitive field of government and investment advisory services. Hexillia’s work speaks for itself, delivering transformation through strategic and often silent execution. The firm’s client roster is a reflection of its ability to support leaders and organizations whose ambitions require a blend of high-level negotiation, funding solutions, and seamless project delivery. Building Authority Without Noise In an industry often marked by noise and visible competition, Hexillia has adopted a unique approach that focuses on the quiet execution of transformative strategies. The company’s leadership understands that in emerging markets, particularly in Africa, visibility is often not the most important factor, results are. By blending deep sector expertise, strong government relations, and investment acumen, Hexillia is able to build the critical structures that accelerate development while safeguarding the reputation of its clients. “Discretion is the new currency of trust,” says Nikole Read, CEO of Hexillia. “We understand that in the world of high-value government and investment projects, our clients need a partner they can trust. We deliver results without making noise, allowing them to maintain focus on the bigger picture.” Hexillia’s Role in Africa’s Growth and Beyond Hexillia’s work spans across various sectors and has made significant strides in the development of Africa's emerging markets. With a focus on high-value projects, the company has played a key role in advising and supporting organizations that are shaping the future of the continent’s economic landscape. By combining strategic insight with seamless execution, Hexillia’s work is creating a foundation for sustainable growth and development. The firm’s commitment to discretion and precision has garnered it a reputation as a trusted advisor to influential leaders, both in Africa and globally. As Hexillia continues to expand its reach, its approach to advisory and project execution remains rooted in the core values of trust, integrity, and confidentiality. About Hexillia Hexillia is an advisory firm that operates where vision meets execution, delivering discreet, high-value services to sovereign institutions, private investment groups, and multinational stakeholders. The company specializes in supporting leaders through the full arc of complex projects, from advisory and negotiation to funding and delivery. Hexillia’s approach combines deep sector expertise, government relations, and investment acumen to create solutions that unlock opportunity and drive development while preserving reputation. With a focus on results rather than visibility, Hexillia is redefining the role of strategic advisors in Africa and beyond. Media Contact Sophie Lau PR Spokesperson, Hexillia Email: [email protected] Website Instagram LinkedIn

November 20, 2025

Finance & Loan

Retiring to Cyprus, Why the Island Is Considered a Top EU Country for Retirees

Relocating to a warm, low-cost destination with an expat-friendly tax regime is a goal for many people approaching retirement. Having emerged as one of the top destinations over the last few years, Cyprus has become a contender among other long-standing options, such as Spain and France. According to the latest statistics, the island, which has a population of roughly 1.36 million, is also home to 260,000 foreign nationals, with a 17.5% increase in permits granted to non-EU visa applicants last year compared to 2023. Chase Buchanan Private Wealth Management, the global financial advisory specialists supporting expatriates around the world, share some insights into why Cyprus has developed a reputation as a desirable location for retirees, as well as some of the tax incentives available for those making key retirement decisions. The Draw of Cyprus for Expat Retirees Relocating Overseas The first, and perhaps most obvious attraction of Cyprus is its location, between Greece and Turkey. This all but guarantees sunny Mediterranean weather, and proximity to world-class beaches, archaeological sites, and well-appointed cities with amenities that include hotels, restaurants, and ample local transportation. Of course, living in a new country permanently differs from spending a couple of weeks on holiday, but the climate is a big factor. This is alongside the lower costs of living when compared to the UK, and how that affects lifestyle expectations for retirees reliant on investment, pension and savings income to finance their retirements. While the difference in living costs may be more pronounced for expats moving from London or another major city elsewhere, the contrasts are substantial. Foreign nationals will find that, on average, general living costs are 11.9% lower in Cyprus, property rental prices are 16.7% more affordable, groceries cost 10% less, and public transport is almost 40% cheaper on the island. Retirees often look to purchase a permanent home, and they stand to make cost savings here too, including for those considering selling a British property or liquidating investment real estate to help fund their retirement. Buying a central apartment in a Cypriot city costs approximately 25% less than in a UK equivalent location, while a larger three-bedroom home in a smaller town or semi-rural area typically commands a budget that is roughly 12.6% lower. Understanding Why the Cypriot Tax Regime Attracts Affluent Retirees Taxes remain a significant aspect of life throughout retirement, particularly for those with generous portfolios, pension incomes, or ongoing returns from assets and investments, especially when it comes to succession planning and forecasting inheritance tax. We'd always recommend speaking to an accredited adviser, as inheritance taxation can be complex. However, depending on the individual’s circumstances and exposure to UK-based tax, they may be interested to learn that Cyprus does not impose any succession taxes whatsoever. That doesn't exempt Cypriot residents from UK IHT, where applicable, but can provide the peace of mind that long-term tax obligations for retirees' families will typically be much lower. In addition, the Cypriot authorities allow retirees to decide how they’d like foreign-source pension incomes to be taxed. They can elect to pay tax on the prevailing income tax rates, which carry a top bracket of 35% on incomes of €60,000, or choose to pay a flat rate tax of 5% on earnings above an annual €3,400 allowance. Other earnings, such as interest payments and dividends, are normally exempt from defence contributions for the first 17 years that an expat lives in Cyprus, which means foreign nationals only need to account for taxation. Standards of Living and Access to Healthcare for Expats Retiring in Cyprus The costs of living in Cyprus are more affordable for many, which impacts the quality of living standards that retirees can expect. This is partly due to the stable property market and tourism sectors, which have bolstered the Cypriot economy and continue to provide opportunities for those keen to invest. In terms of healthcare, something that is always important for retirees, Cyprus performs well, with a developed healthcare system that encompasses both private and public services. Some expats may hold the S1 form, issued by the NHS in the UK. This entitles holders to receive public healthcare services in Cyprus in the same manner as any citizen, with most treatments and consultations available at no cost or with a minimal charge. However, most will require comprehensive private health insurance as a condition of their visa. Expats living in Cyprus on nearly every visa will need to provide evidence of sufficient health coverage before they can apply for residency, where they are eligible. Types of Visa Routes for Foreign Nationals Planning a Cypriot Relocation in Retirement Our final area to consider is the ease of applying for and qualifying for a visa. Like many EU countries, Cyprus has removed its citizenship-by-investment programme, following criticism of these schemes by the European Commission. That doesn’t mean that there aren't alternative visa routes, including the Cyprus Permanent Residence Program. Applicants who successfully apply gain the right to live in Cyprus permanently as residents, provided they make an approved investment. Investment options include real estate purchases worth at least €300,000, investing in a Cypriot company or purchasing collective investment units through the Cyprus Investment Fund Association. Further criteria apply, and applicants must demonstrate that they have a minimum annual income, originating overseas, of at least €50,000 plus €15,000 for a financially dependent spouse and €10,000 for any children included on the application. Other options include temporary, renewable residence permits, with many expats choosing to relocate under a temporary permit while pending an application for the longer-term 'Category F' residence permit. This enables wealthy retirees to secure permanent residency after providing evidence of a secured annual income. While processing times can be considerably longer than those associated with the 'golden visa', the income thresholds are lower. More details about visa categories and criteria are best sourced directly through the Cypriot Ministry of Foreign Affairs, which provides up-to-date information about each permit or visa. Read more about Chase Buchanan - Chase Buchanan Private Wealth Management Further Expands Presence in Portugal

November 19, 2025

Finance & Loan

Cochran Capital Empowers Investors to Achieve Financial Freedom Through Real Estate

Cochran Capital: Unlocking Wealth-Building Opportunities for Individual Investors In today’s fast-paced financial world, many people are looking for ways to build wealth with less risk and more stability. Cochran Capital, founded by Josh Cochran, is offering a solution for accredited investors who want to achieve financial freedom through strategic real estate investments and other alternative opportunities. The journey of Dr. Josh Cochran, a successful healthcare entrepreneur, investor, and real estate developer, was born from frustration. After years of managing his own group of dental practices, Josh experienced burnout, a feeling all too familiar for many entrepreneurs. Determined to find an alternative way to create financial freedom, Josh turned to real estate investment, and the results were life-changing. Inspired by his own success, Cochran Capital was born, a platform designed to help others gain financial freedom through smart, passive income investments. For Josh, it’s about providing accredited investors with access to wealth-building opportunities that are not only sustainable but also stable. “At Cochran Capital, we believe wealth-building should be accessible to everyone,” says Josh Cochran, Founder of Cochran Capital. “Our mission is to offer investors a straightforward way to grow their wealth with minimal risk. We want to give people the opportunity to experience the freedom that comes with passive income.” From Burnout to Real Estate Success Josh’s path to creating Cochran Capital began after feeling overwhelmed by the demands of managing multiple dental practices. The pressure of running his own businesses led him to explore other ways of building wealth, enter real estate investment. Real estate quickly became Josh’s passion and avenue for creating financial security, ultimately providing him the stability and freedom he sought. His journey inspired him to extend that same opportunity to others, leading to the creation of Cochran Capital, a platform designed to help people grow their wealth through real estate and alternative investment options. “We know firsthand how difficult it can be to manage a growing business while trying to secure your financial future. That’s why we created Cochran Capital, to simplify the process of investing and to give people the tools they need to build their wealth through smart, passive investments,” Josh adds. Simplifying Real Estate Investment for Accredited Investors While real estate can offer incredible financial rewards, it is often seen as an overwhelming investment strategy, requiring substantial knowledge, time, and effort. At Cochran Capital, the goal is to remove these barriers, making it easier for accredited investors to access opportunities in real estate, commercial properties, and other alternative investment options. Through a combination of hands-on management and extensive industry expertise, Cochran Capital streamlines the investment process, offering clients carefully curated investment opportunities that deliver strong returns with minimal risk. "Our focus is on stability and sustainability, ensuring that the investments we offer align with our clients' goals for long-term financial security,” says Josh. “We’re not just creating an investment platform; we’re providing a pathway to true financial freedom.” Cochran Capital’s strategy revolves around identifying opportunities in real estate and other alternative investments that offer steady returns and low volatility, making them ideal for investors who want to grow their wealth without taking on excessive risk. A Commitment to Building Long-Term Wealth The core philosophy at Cochran Capital is simple: build wealth with stability and sustainability. Josh and his team are focused on providing investment options that offer a reliable stream of passive income, helping investors achieve their long-term financial goals. With a firm commitment to offering low-risk, high-return investment options, Cochran Capital emphasizes creating opportunities that empower investors to secure their future. The company’s approach ensures that clients are able to grow their wealth without feeling overwhelmed by risk. “We believe in building lasting wealth,” Josh explains. “Our platform isn’t about quick wins; it’s about creating sustainable financial growth that lasts over the long term. Our investors can trust that they’re making smart, well-researched decisions.” Why Choose Cochran Capital? Unlike other investment firms, Cochran Capital is focused on offering accredited investors opportunities to participate in real estate investments and other alternative asset classes in a simplified and transparent way. Some key differentiators that set Cochran Capital apart include: A focus on long-term growth: Cochran Capital offers sustainable investment options that deliver consistent returns with minimal risk. The goal is to build wealth that stands the test of time. Simplified, straightforward process: The platform makes it easy for investors to get started, offering accessible opportunities for those looking to diversify their portfolio. Strong leadership and experience: Josh Cochran’s background as a healthcare entrepreneur and real estate investor gives him a unique perspective on wealth-building and financial security. Tailored investment opportunities: Cochran Capital carefully curates investment options that align with the goals of each investor, ensuring a personalized experience that meets their needs. Transparency and trust: The team at Cochran Capital is committed to maintaining an open and honest relationship with investors, providing them with the tools and knowledge needed to make informed decisions. The Future of Cochran Capital: Expanding Opportunities for Investors As Cochran Capital continues to grow, Josh and his team are committed to expanding their range of offerings, providing even more opportunities for investors to build their wealth in sustainable ways. With a focus on real estate and other alternative investments, Cochran Capital is poised to become a leading platform for accredited investors seeking long-term financial security. “We’re just getting started,” says Josh. “Our mission is to continually evolve and provide our investors with even more opportunities to grow their wealth while minimizing risk. We’re excited about the future and the impact we’ll make in the investment world.” Through Cochran Capital, Josh Cochran is not only helping individuals build wealth but is also creating a community of like-minded investors committed to financial freedom and security. Whether you're an experienced investor or new to the world of alternative investments, Cochran Capital offers a trusted platform to help you achieve your financial goals. About Cochran Capital Cochran Capital is a premier investment platform founded by Josh Cochran , a successful healthcare entrepreneur, investor, and real estate developer. The company specializes in providing accredited investors with access to carefully curated real estate investment opportunities and other alternative investments. Cochran Capital’s mission is to help individuals build sustainable, long-term wealth through smart, low-risk investment strategies. Media Contact Josh Cochran Founder, Cochran Capital Email: [email protected] Social Media: Website Instagram Facebook LinkedIn Josh's LinkedIn

November 18, 2025

Finance & Loan

Trustway Accounting Releases Guide on Streamlining Payroll With Digital Tools

Trustway Accounting has published a new in-depth article, “Achieving Efficiency: Streamline Payroll With Digital Tools,” offering business owners a clear, actionable guide to modernizing their payroll processes. The resource is now available for free on the company’s website. The comprehensive guide examines the true cost of manual payroll, from hidden time drains and error risks to compliance complications. It also explains how digital payroll systems can dramatically improve efficiency, accuracy, and peace of mind. The article provides a detailed breakdown of what digital payroll actually means, how automation reduces human error, why cloud-based systems are now essential for businesses of all sizes, and more. “Manual payroll is one of the most common sources of stress for business owners,” said a spokesperson for Trustway Accounting. “This guide helps them understand how much time, money, and frustration they can save by switching to a modern payroll system—and how easily they can make that transition.” The article walks readers through: - The hidden costs and inefficiencies of manual payroll - How automation and cloud technology improve accuracy and compliance - The core features to look for in a digital payroll system - A step-by-step roadmap for moving from manual to digital payroll - Key metrics to measure ROI and long-term efficiency gains - Future payroll trends, including AI, predictive analytics, and hyper-automation Designed for entrepreneurs, HR managers, and business owners who want to streamline processes and eliminate payroll-related stress, the resource provides a clear path toward implementing digital payroll successfully. The full article, “Achieving Efficiency: Streamline Payroll With Digital Tools,” is available now at: https://trustwayaccounting.com/post/streamlining-payroll-with-digital-tools About Trustway Accounting Trustway Accounting provides professional accounting, bookkeeping, and tax services for businesses and individuals nationwide. With a focus on clarity, compliance, and long-term financial confidence, Trustway helps clients streamline operations, reduce stress, and make smarter financial decisions year-round.

November 17, 2025

Finance & Loan

Manifested AI: Analyst Tom Sayja Explores a Rising Technology Shift

A concept known as Manifested AI is attracting attention among technology commentators and investors. Originally discussed by Jeff Brown, it describes a phase where artificial intelligence moves beyond code to interact with the physical world through robotics, satellites, vehicles, and networked systems. Independent market strategist Tom Sayja, publisher of The DeepDive Letter, examines how this trend could shape future capital flows. The meaning behind Manifested AI Brown’s description of Manifested AI frames intelligence as something that engages directly with matter — driving machines, coordinating logistics, and managing energy flows. Sayja refers to this as “the industrialization of cognition.” He notes that algorithms developed in the cloud now depend on visible assets such as chips, sensors, and power systems. In his review of research on Manifested AI Stock , Sayja discusses how attention may be shifting from purely digital platforms toward companies building the underlying hardware and energy infrastructure. “The companies that succeed,” he writes, “will be those that connect intelligence with materials.” Infrastructure becomes intelligence Sayja observes a growing link between artificial intelligence and industrial capacity. Data centres, satellite constellations, and smart-grid projects increasingly function as the mechanical base of AI. Each layer — computation, energy, and connectivity — supports the others. This idea parallels analysis in Project Colossus - xAI , where Sayja describes how global bandwidth and edge-processing networks illustrate AI’s physical backbone. While he references examples such as Starlink or xAI, his focus remains on the structural pattern rather than any single company. The rise of AI metals Every wave of digitization has relied on materials, but Manifested AI could amplify that reliance. Advanced semiconductors use rare metals, and energy storage depends on lithium and nickel. Sayja groups these under AI metals, describing them as the physical inputs of machine learning. In his discussion of AI metal trends , Sayja explores how demand for these materials may evolve as intelligent machinery spreads. He writes, “Each new layer of automation begins with matter.” Rather than forecasting prices, he treats materials as indicators of where AI’s real-world limits might appear. Quantum Keystone and the energy equation The power requirements of large-scale AI continue to rise. In Quantum Keystone - Helium-3 , Sayja comments on speculative research into helium-3 fusion and other dense-energy concepts. He presents them as examples of how AI’s electricity needs are prompting scientists to revisit alternative power sources. Sayja notes that AI’s constraint is not only computation but also energy throughput. “The intelligence economy runs on electrons,” he observes, adding that innovation in efficiency and storage could matter as much as breakthroughs in algorithms. Orbit as the new edge Connectivity remains another limiting factor. Edge computing requires reliable, low-latency networks that span continents. In an article on orbital networks , Sayja explains how satellite infrastructure might evolve from communications tools into distributed-processing platforms. He stresses that such systems illustrate the logistical side of AI rather than offering guaranteed commercial outcomes. What it may mean for investors Sayja frames Manifested AI as a shift in perspective rather than a prediction of returns. For the past decade, growth centred on software and platforms; the next phase, he argues, could emphasize capacity — the materials, power, and networks that enable intelligence to function. “Markets often re-price the physical after digital booms,” he writes in The DeepDive Letter. “Understanding those constraints helps investors think in cycles instead of headlines.” Context and caution Not all analysts agree on timing. Technology strategist Derek Goudy notes that large infrastructure build-outs depend on physics, regulation, and supply chains that seldom move at software speed. Sayja agrees that progress will likely be uneven and stresses that his work interprets signals, not certainties. Both analysts view Manifested AI as a gradual process: computation and construction blending over time. Looking ahead Sayja expects the coming decade to focus on tangible intelligence — machines that think, grids that learn, and materials that hold both power and data. He encourages readers to observe how technology interacts with resources rather than assuming exponential growth alone will continue. As he writes in a recent DeepDive issue, “The future of AI is built, not imagined.” About Tom Sayja Media Tom Sayja Media is an independent publisher focused on wealth sovereignty and real-asset education. Through The DeepDive Letter and Podcast, it provides measured commentary on how markets and technology intersect. Connect with Tom Sayja on LinkedIn . This article presents independent analysis for informational purposes only. It is not affiliated with or endorsed by Jeff Brown, Elon Musk, or their companies, and it does not constitute investment advice.

November 17, 2025

Finance & Loan

Moorwand Shares Timeline of Business Development and Regulatory Milestones

IMCWire - Moorwand’s 2018–2025 timeline charts rebuild to scheme access, daily safeguarding, clean audits, and a 2025 roadmap on acquiring, faster settlement, transparency. Moorwand Ltd has published a timeline covering 2018–2025 that traces the company’s operational development, governance reforms, and steps taken to meet UK electronic- money regulations. The summary frames how Moorwand says it has strengthened controls and matured its business as it expanded services in the payments sector. Moorwand says each stage of the timeline reflects tighter controls over onboarding, settlement, safeguarding client funds, and reducing exposure to financial crime risk. 2018–2020: Restructure and Core Issuing Capability The company states that the business underwent significant restructuring following the acquisition around 2018. At that point, the firm was described as a distressed asset with a tiny team. The company says it focused on rebuilding governance, rebuilding credibility, and rebuilding infrastructure. The headcount at that stage was roughly eight people. By 2019, the company had secured principal membership with major card schemes, including Mastercard and Discover. The firm links this milestone to regulatory oversight and scheme-level scrutiny. Moorwand says that direct scheme access has enabled the firm to act as both issuer and acquirer for approved programmes, reducing its reliance on intermediaries. In 2020, the company launched a BIN sponsorship model. It describes BIN sponsorship as a structured way for programme managers and fintech operators to get to market more quickly, while still being monitored for compliance, onboarding quality, AML exposure, and transaction behaviour. 2021–2022: Banking Connectivity and Governance Reform In 2021, Moorwand entered into partnerships to support Faster Payments, Bacs, and safeguarding infrastructure through regulated banking partners such as ClearBank. The firm says this was a key development because it enabled Moorwand to handle settlement and reconciliation in a way that directly supports the safeguarding of relevant funds. This stage also involved strengthening safeguarding procedures and daily reconciliation. The firm states that relevant client funds are held in segregated safeguarding accounts, reconciled every day, and escalated immediately if any breach is identified. Responsibility for preserving was placed at the executive level. In 2022, Moorwand says it carried out another governance restructuring. The company formalised a three-line defence model: operational delivery of services, risk and compliance review, and independent assurance reporting to senior leadership and the board. The firm describes this as the point at which compliance became embedded into standard business processes rather than treated as a side function. 2023–2024: Operational Efficiency and Audit Outcomes Through 2023, Moorwand focused on operational efficiency, reporting, and reconciliation. The firm says it invested in systems for audit-ready data, automated reconciliation, and more precise reporting lines between programme activity and settlement accounts. These changes were positioned as part of its role in the UK payments ecosystem and its responsibility as an electronic money institution. The company reports that independent external specialists reviewed safeguarding controls and financial crime processes in 2023 and 2024. According to the firm, those reviews found no critical or significant findings. Moorwand states that it also had no adverse findings by regulators and remains compliant with applicable UK and EU requirements. In 2024, Moorwand says it expanded its infrastructure to support multi-currency capability, broader acquiring capacity, and global settlement reach. The firm links these developments to its role in providing payments access, issuing, and account infrastructure to regulated partners. 2025: Expansion of Acquiring and Transparency For 2025, Moorwand has set focus areas rather than standalone product launches. The company plans to continue work on acquiring services, faster settlement, and enhanced onboarding scrutiny for merchants and programme managers. This includes transaction monitoring, fraud controls, and due diligence, all designed to align with UK regulatory oversight in the fintech sector. The agency also says it intends to extend its reporting transparency to clients. Its position is that programme managers should be able to see not only what is being processed, but how that activity is being reconciled, safeguarded, and supervised. Moorwand’s View of Its Own Development Moorwand links the entire timeline to a single message. The company says it moved from recovery and restructuring to card scheme access, to settlement and safeguarding, to embedded governance, to audit-backed assurance. The firm says the path aligns with regulatory and partner expectations for a payments institution that protects customer funds, enforces compliance, and operates with clear, documented accountability.

November 17, 2025

Finance & Loan

Braid Finance Revolutionizes Loan Matching with Personalized Service and Smarter Tools

Braid Finance Sets New Standard in Personalized Loan Matching for Australians Braid Finance, a leading Australian financial services provider, is transforming the way Australians approach securing financing. Emphasizing a personal touch with innovative technology, Braid Finance introduces a new platform that matches borrowers with the right lender, ensuring smoother loan approvals and better terms. With a wide range of financing options available, from car loans to business and lifestyle financing, the company is dedicated to helping Australians achieve their financial goals, no matter their credit history or life stage. Braid Finance is not just a typical broker; it’s a partner in the journey toward financial security. Their tagline, “Strength in Connection. Financing Tailored to You,” encapsulates the company’s philosophy of supporting clients throughout the entire loan process. Whether securing financing for a new car, a boat, a dream holiday, or business expansion, Braid Finance is committed to offering a more personalized, human-centered approach to borrowing. A Smarter Way to Secure Financing Braid Finance has introduced a smarter loan matching system, designed to simplify the application process and provide quicker loan approvals. Unlike traditional lenders that leave borrowers to navigate through a maze of options, Braid Finance first conducts a soft credit check to assess the borrower’s unique financial profile, without impacting their credit score. This proactive approach then matches borrowers with the best lenders suited to their financial needs, ensuring the most competitive rates and terms. "We’re not just brokers, we’re your people," said Toi Soi, founder of Braid Finance. "Our goal is to take the time to understand each customer’s unique situation and ensure they get matched with the right financing options. It’s all about making their financial journey as stress-free as possible. We’re here to make sure they don’t go it alone." Braid Finance’s platform is open 24/7 for online applications, allowing customers to get a pre-approval quickly and easily. Once documentation is submitted, approvals typically take just a few hours, depending on the lender, making the process fast and efficient. A Full Range of Financing Solutions for Every Need Braid Finance offers a variety of loan products, catering to both personal and business needs. Whether it's financing for a new car, a boat, or a lifestyle purchase like a caravan or jetski, Braid Finance ensures customers have access to flexible loan options with competitive rates. Business Loans : For equipment, trucks, low-doc car loans, commercial hire purchases, and self-employed finance. Personal Loans : To help with major life goals, big moments, or to simplify debt. Car Loans : Financing options for new, used, or private-sale vehicles, including EV car loans, second-chance finance, and car refinance. Lifestyle Finance : Loans for caravans, boats, motorbikes, and jetskis. This broad array of options ensures that Braid Finance can meet the diverse financial needs of Australians across the country. Their flexible terms make it easy for individuals to secure financing for whatever their life journey requires. A People-Centric Approach to Finance What truly sets Braid Finance apart is their commitment to putting people first. The company prides itself on providing tailored financing solutions that are designed to match the borrower’s unique situation. From the first step of applying for finance to receiving the final funding, Braid Finance is there to offer expert guidance at every stage of the journey. “We know that life is full of big moments, and those moments often require financial support,” said Soi. “That’s why we offer personalized services to ensure every customer feels heard and supported. Our promise is simple: we’re here to make sure you don’t go it alone.” Streamlining the Loan Application Process Braid Finance makes the loan application process easy with its simple online platform. The application is free, fast, and easy to complete, requiring only basic documents such as proof of ID, income, and existing loans. A soft credit check is conducted at the beginning, meaning a borrower’s credit score remains unaffected as they explore their financing options. Client testimonials reflect Braid Finance’s reputation for providing friendly, efficient service with fast approvals and positive outcomes. Many clients have praised the company for its dedication to delivering the best loan terms without the stress typically associated with the approval process. A Trusted Network of Lenders With access to a wide network of lenders, including banks and other financial institutions, Braid Finance ensures that clients are presented with a range of choices. By working with over 277+ financing products, Braid Finance has become a trusted partner for Australians seeking to fund major purchases or business expansions. Guiding Australians Toward Their Financial Goals In addition to its personalized loan matching service, Braid Finance also provides valuable resources for customers. The company’s "Resources" section on its website includes articles on various financing topics, a repayment calculator, and an extensive FAQ section that helps customers navigate the loan process. From finding the best car brands to tips on financing your dream boat, Braid Finance is committed to educating and empowering its customers. About Braid Finance Braid Finance is a leading Australian financial services provider specializing in personalized loan matching and comprehensive customer support. With over 20 years of experience in the industry, the company focuses on making financing simple and accessible for all. Braid Finance works with over 277+ finance products to ensure that customers find the best loan options tailored to their specific needs. For more information, visit www.braidfinance.com.au . Media Contact Toi Soi Director, Braid Finance Email: [email protected] Website LinkedIn

November 17, 2025

Finance & Loan

Blueprint Advocate Financial Strategies Launches to Empower Latino Communities with Financial Literacy

From Shelves to Success: The Journey of Rick Diaz Rick Diaz’s journey began in 1999 when he was working at Albertsons grocery store in Paramount, California. At 21 years old, his pay was capped, but his work ethic, instilled by his grandparents, was just beginning. Raised by his grandparents after the death of his mother, Rick’s entrepreneurial spirit was nurtured from a young age. He and his grandparents sold donuts and oranges door-to-door, instilling in him the drive and resilience that would shape his future. By the time Rick joined Smith’s Food King in La Puente, his work ethic had already earned him the reputation of someone who excelled in any task. However, it wasn’t until his first day on the job that Rick received a life-changing lesson from his manager, Wally. In a moment of adversity, when Rick was tasked with cleaning a bathroom in a state of disarray, Wally didn’t just tell him what to do, he demonstrated the importance of doing every job, no matter how small, with pride and integrity. This moment left an indelible mark on Rick, reminding him that no matter where you start, dedication to your craft is what drives true success. It was a lesson that stayed with him as he became part of store management, guiding every decision and every job he took thereafter. Building Wealth With Credit: The Turning Point Rick’s story took a pivotal turn when he received a credit card offer in the mail. Instead of following the typical route of using credit responsibly, he tested the system by applying for multiple cards. Within a month, Rick had accumulated $48,000 in available credit, which ultimately funded his first nutrition store. His leap from stocking shelves to business owner was a direct result of leveraging credit. As his business grew, Rick went on to become the first Nutrishop store owner, eventually operating four stores at his peak. A Business Saved by Credit: Dan Caldwell's Story Years later, Rick learned of a similar experience from his friend Dan Caldwell, the Co-Founder of TapouT. During TapouT’s rapid growth, they faced a severe challenge when their merchant processing froze due to extreme sales and average credit. As a result, hundreds of thousands of dollars in transactions were locked up, preventing the company from accessing its own funds. After securing a co-signer, TapouT turned the situation around, ultimately reaching $1 million for Dan himself within a month and millions for TapouT. Dan’s story demonstrated just how crucial access to credit can be not only for small businesses, but for any company at any stage of growth. The Mission: Financial Literacy for the Latino Community The experience of fixing his own credit during the pandemic in 2019 was a turning point for Rick. About to become a father, he wanted to ensure that his family would have financial stability. The pandemic provided him the time and opportunity to repair his credit, and that second chance changed everything for him. It sparked a desire to help others, especially those in his own community, gain access to financial knowledge that could transform their lives. In 2020, Rick founded Blueprint Advocate Financial Strategies , a company dedicated to teaching the Latino community financial literacy and offering services such as credit repair, business funding, and more. Rick’s mission is clear: to provide the Latino community with the tools and knowledge needed to build generational wealth through better financial practices. Empowering the Latino Community: A Vision for the Future Rick believes that financial literacy is the key to unlocking opportunities for underserved communities, particularly the Latino population in the United States. While the Latino community is growing rapidly and becoming more influential, it remains overlooked and underrepresented in his opinion. “We are a community of hard workers, and when given the right tools, and right information to be able to become entrepreneurs, the Latino community can accomplish anything! Financial literacy is the equalizer,” Rick Diaz says. “I’m on a mission to teach others what I had to learn the hard way and help them build the future they deserve.” About Blueprint Advocate Financial Strategies Blueprint Advocate Financial Strategies was founded by Rick Diaz with the mission to provide financial education and resources to underserved communities, particularly the Latino community. The company offers services in credit repair, business funding, living trusts, and life insurance all with the goal of helping individuals gain financial freedom and build generational wealth. Through online-based programs, Blueprint Advocate is making financial literacy accessible to all. Media Contact Rick Diaz Blueprint Advocate Financial Strategies Founder Email: [email protected] Phone: (213) 804-0903 Website Facebook Instagram

November 14, 2025

Finance & Loan

Munitz & Co. Leads the Way in Financial Advisory Services for Construction Firms

Munitz & Co. is helping construction business owners transform the way they understand their finances. Through its proprietary Financial Intelligence System , the firm gives entrepreneurs the tools and insight to make confident decisions, strengthen profitability, and grow with purpose — without getting lost in spreadsheets. For many in the construction industry, managing finances means dealing with unpredictable cash flow, tight margins, and constant operational stress. Munitz & Co. bridges that gap with a model that turns complex data into clarity — helping leaders plan strategically, manage risk, and drive long-term success. “We want entrepreneurs to sleep better at night, knowing they understand their financial position and can act boldly without fear,” said Shmulie Munitz , co-founder of Munitz & Co. “We don’t just provide numbers; we provide insight, perspective, and the confidence to move forward.” Transforming How Builders Think About Growth Munitz & Co. works exclusively with small- to mid-sized construction companies — typically those generating more than $10 million annually — to help them achieve clarity, control, and confidence through a structured three-phase process: Discovery: A deep analysis of financial systems, cash flow, and operational processes to uncover hidden inefficiencies. Strategy: Implementation of a customized plan to streamline accounting, improve reporting, and align leadership on measurable financial goals. Growth: Continuous support with data-driven insights that empower business owners to scale confidently and sustainably. By combining decades of experience in construction, finance, and accounting, founders Shmulie and Mushky Munitz created a system that goes beyond financial consulting — it’s about partnership, accountability, and transformation. “We created Munitz & Co. because we saw how many entrepreneurs were running incredible businesses but didn’t have clear visibility into their numbers,” said Mushky Munitz , co-founder. “Once leaders understand their financial health in real time, everything changes — their confidence, their growth, and their ability to dream bigger.” What Makes Munitz & Co. Different Construction-Focused Expertise: A team fluent in the financial realities of builders, developers, and trades. Actionable Insights: Real-time data visualization and analysis that transforms decision-making. Partnership and Education: Business owners are guided and educated every step of the way, not just handed reports. Purpose-Driven Approach: Munitz & Co. helps entrepreneurs achieve financial clarity while building legacies that last. The firm’s unique approach to Financial Intelligence has already helped numerous construction leaders shift from reaction to strategy — from uncertainty to growth. About Munitz & Co. Munitz & Co. is a financial advisory firm helping construction entrepreneurs gain clarity, control, and confidence through its proprietary Financial Intelligence System. Founded by Shmulie and Mushky Munitz , the company blends financial expertise with construction industry insight to help business owners make smarter decisions, scale effectively, and achieve long-term stability. By transforming complex numbers into meaningful action, Munitz & Co. empowers leaders to grow boldly — and build businesses that stand the test of time. Learn more at www.munitzco.com .

November 13, 2025

Finance & Loan

Mortgage Managers Reaffirms Leadership in New Zealand's Mortgage Brokerage Industry

Mortgage Managers, based in Auckland, has been a trusted name in New Zealand’s mortgage brokerage industry for over 25 years. The company has consistently provided expert advice and services to Kiwis, helping them navigate the increasingly complex landscape of home loans. With access to most of the major banks and lenders, as well as cutting-edge technology, Mortgage Managers is committed to ensuring its clients get the best possible mortgage solutions for their financial needs. Adapting to New Zealand's Changing Mortgage Landscape Over the past several years, New Zealand’s financial markets have undergone significant changes, and so have the lending policies of banks. As mortgage lending criteria become more stringent, securing a home loan has become a more difficult process for many, especially first-time buyers, self-employed individuals, or those who fall outside traditional bank lending criteria. For many, understanding the nuances of different loan products can be overwhelming. Many people end up with home loans that don’t align with their long-term goals or financial situation. This is where Mortgage Managers stand apart. By offering expert guidance through these complexities, Mortgage Managers ensure that clients make well-informed decisions about their home financing. Mortgage Managers: A Client-Focused Approach Mortgage Managers prides itself on not being a typical mortgage broker. Unlike traditional brokers, the team at Mortgage Managers is composed of mortgage advisers who place a strong emphasis on serving the unique needs of their clients. The company’s philosophy is rooted in a deep commitment to understanding and meeting the financial goals of New Zealanders, while providing advice that goes beyond simply securing a loan. “We focus on helping our clients choose home loans that not only work for them today but also give them the flexibility to adjust as their life circumstances change,” says Stuart Wills, Senior Adviser at Mortgage Managers. “We’re not bankers, and we don’t think like bankers. Our priority is ensuring that our clients get the best possible advice in a way that’s easy to understand and tailored to their needs.” Services and Expertise With a focus on long-term financial well-being, Mortgage Managers provides a range of mortgage-related services, from securing home loans to refinancing existing mortgages. The company specializes in finding tailored solutions for both first-time homebuyers and those with more complex lending needs. One of the key offerings is their expert guidance on mortgage refinancing. This service helps clients explore options to reduce their mortgage payments or consolidate debt, ultimately leading to greater financial stability. Their comprehensive refinancing guide, The Ultimate Guide to Mortgage Refinancing: Tips & Ideas for Smart Kiwis , is a valuable resource for anyone looking to optimize their mortgage terms. Additionally, Mortgage Managers offers a detailed process for selecting the best bank for a home loan, ensuring that clients choose a lender with the best rates, terms, and service. Their easy-to-understand article, How to Choose the Best Bank for Your Home Loan , provides insightful tips to help borrowers make an informed decision. For those with less-than-ideal credit histories, Mortgage Managers also offers advice on securing bad credit home loans. Their approach ensures that even clients facing financial challenges can access the financing they need without feeling overwhelmed by the process. Innovative Tools and Resources To further enhance the client experience, Mortgage Managers integrates state-of-the-art technology to streamline the mortgage process. By using the latest digital tools, the company ensures that its services are fast, efficient, and accessible to clients across New Zealand, no matter where they are located. Clients can explore resources like the Mortgage Managers website, which offers access to helpful tools, articles, and contact options for personalized advice. The company’s social media presence further supports its mission by keeping clients informed on mortgage trends, tips, and industry news through platforms like Facebook and the Kiwi Edition news updates website. A Commitment to Financial Education Mortgage Managers is deeply committed to educating its clients about all aspects of home financing. Their approach to mortgage advice goes beyond simply providing loan options. Instead, the company aims to equip clients with the knowledge they need to make informed decisions. This client-focused approach has earned the company a loyal following of satisfied customers, as reflected in positive reviews and testimonials. “Having the right mortgage adviser can make all the difference in securing the right home loan,” says Wills. “At Mortgage Managers, we don’t just help you get approved for a loan; we help you navigate the entire process and ensure that you understand the terms of your loan so you can make decisions that will benefit you long term.” About Mortgage Managers Mortgage Managers is a New Zealand-based mortgage advisory firm with over 25 years of experience helping Kiwis secure the best home loans. With access to both bank and non-bank lenders, the company provides personalized solutions for all types of homebuyers, including first-time buyers, self-employed individuals, and those with unique lending requirements. Mortgage Managers prides itself on its client-first approach, using cutting-edge technology and expert advice to simplify the mortgage process. Media Contact Stuart Wills Senior Adviser, Mortgage Managers Email: [email protected] Website: mortgagemanagers.co.nz Facebook: Mortgage Managers Kiwi Edition News: Kiwi Edition

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