Dr. Reinis Tumovs - The Angel Investment

Here's a post in the style of Shakespearean English about the leaders at the start of World War II in 1939:

Hark! A tale of rulers in Europe's hour of strife,
As war's dark clouds did gather in the year of '39:

In Germany, Hitler's iron fist did reign,
While Chamberlain o'er Britain sought peace, alas in vain.
France's Daladier, with hope near spent,
And Mussolini, Il Duce, on conquest bent.

Stalin, the Red Tsar, did watch and wait,
As Poland's Mościcki faced a dreadful fate.
In Spain, Franco's victory was newly won,
A prelude to the conflict soon to come.

These men, for good or ill, did shape the age,
And set in motion history's bloodiest page.
Remember well their names, and learn, pray tell,
Lest future generations in such darkness dwell.

Boxing’s pound-for-pound top three:

Oleksandr Usyk
22-0 (14 KOs)
Undisputed Heavyweight Champion and Undisputed Cruiserweight Champion.

Terence Crawford
40-0 (31 KOs)
Undisputed Welterweight Champion and Undisputed Super-Lightweight Champion.

Naoya Inoue
27-0 (24 KOs)
Undisputed Super-Bantamweight Champion and Undisputed Bantamweight Champion.

The image shows three professional boxers who currently top most pound-for-pound rankings:

Oleksandr Usyk has an undefeated record of 22-0 with 14 wins by knockout. He is the undisputed heavyweight champion, having previously reigned as the undisputed cruiserweight champion. Usyk's accomplishments across two weight classes and his technical boxing mastery make him the consensus #1 pound-for-pound boxer today.

Terence Crawford sports a perfect 40-0 record with 31 knockouts. He currently holds the undisputed welterweight championship after previously unifying all belts at super lightweight. Crawford's switch-hitting style, punching power, and ring IQ place him firmly in the top 3 pound-for-pound.

Naoya Inoue, at 27-0 with 24 KOs, has established himself as one of boxing's most devastating punchers. He is the reigning undisputed champion at super bantamweight, having previously unified titles at bantamweight. Inoue's explosive power, body punching, and technical skills rank him among the sport's elite.

These three champions have proven themselves the cream of the crop in boxing today. While active in different weight classes, their undefeated records, collection of titles, and exceptional skills make them stand above their peers as the consensus top 3 pound-for-pound fighters in the sport. Boxing fans eagerly await their next challenges as they look to further cement their legacies.

@
naoyainoue_410 FIGHTHYPE

Visa's grand vision is to become the network of networks in the world of . And the recently announced are significant steps towards achieving this goal.

On May 15th, unveiled a set of features designed to revolutionize . Among the key novelties:

1. Visa Flexible Credential will allow users to access multiple accounts through a single Visa identifier. This will enable easy switching between various payment methods ( , , , ) and setting preferences for their usage directly in the app. The feature is already live in Asia and will launch with this summer in the US. [VisaFlexibleCredential.com]

2. Tap to Everything expands the capabilities of . Now any device can become a . Also, with a single tap, users will be able to confirm their identity for , securely add a card to a wallet or app, and send money between friends and family ( ). [TapToEverything.visa]

3. Visa Payment Passkey Service confirms the buyer's identity and authorizes online payments by quickly scanning (face or fingerprint). For online shopping, Visa Passkey will eliminate the need to enter passwords or one-time codes, ensuring simpler and more secure transactions. The first application of this technology will be integration with the service. [VisaPasskey.com]

4. Pay by Bank will enable account-to-account ( ), leveraging the capabilities of . Thanks to the acquisition of , Visa is expanding this functionality from Europe to the US. [PayByBank.visa]

5. Visa Protect for A2A Payments aims to solve one of the main problems associated with the adoption of (RTP) - . The service applies to mitigate fraud risks for A2A payments on RTP rails. It is already live in Latin America and is being piloted in the UK. [VisaProtectA2A.com]

6. Data Tokens combine protection with personalized shopping through . Consumers will be able to receive personalized offers from retailers' AI models in real-time while maintaining full control over their data. [VisaDataTokens.com]

These are not one-off features but the result of years of work, fully aligned with Visa's strategy:

- The company seeks to ride the wave of that is sweeping and payments.

- Visa comes to the forefront, pushing funding methods to the background. Everything is centered around the .

- Tokenization, Tap2Pay, and Click2Pay become the foundation for Visa's core products (credit, debit cards, prepaid products).

- Open Banking is integrated into Visa's infrastructure, becoming part of its value-added services rather than a threat.

- This is another step for Visa to leverage the global spread of . All new features are tailored for mobile apps and e-wallets.

- Focus on (as in the case of Tap2Everything).

- Combination of , , and .

- Providing retailers, banks, and consumers with greater flexibility and choice while remaining the main driving force of the process.

Undoubtedly, 's plans are grand. Whether it will manage to implement them remains to be seen. But the company is definitely making the right moves in this direction, actively introducing innovations and adapting to the changing landscape of the payment industry. With such ambitions and resources, Visa has every chance to become the very "network of networks" that defines the . Dr. Reinis Tumovs - The Angel Investment The NeoBankers Neobankers Neobankers PL Reinis Tumovs

Banking on the Brink of an AI Revolution: Transforming Business Models and Operational Processes

The digital bank is dead. Or better the discussion around it. It is simply outdated And it is very fast being replaced by the bank. Let's take a look

Introduction
The banking industry is undergoing a period of fundamental change, driven by artificial intelligence (AI), big data, open banking, and distributed ledger . To remain competitive, traditional players must rapidly adapt to the new realities of the and algorithmic . At the same time, innovative fintechs and neobanks are coming to the fore, offering a fundamentally different customer experience and business logic.

In this article, we will analyze the key directions of transformation of operational and business models in the sector, highlight the most promising scenarios for AI implementation, and assess the possible effects for established players and consumers of financial services. We will pay special attention to the phenomenon of "AI banks" as potential leaders of the new generation.

Traditional Banking Facing the Challenges of Digitalization
The classic model of banking service, built around an extensive network of physical branches with a predominance of manual labor and paper workflow, is becoming less and less relevant to the requirements of the digital age. According to estimates, traditional banks have 70% more staff and 30% lower productivity than technology companies [1]. To avoid losing market share, they need to fundamentally rebuild their processes and products around the needs of the "connected" customer.

Key areas of digital transformation for banks include [2]:
- Transition from a product-centric to a customer-centric paradigm, implying omnichannel, personalization, and proactive service
- Becoming data-driven organizations that intensively use data for decision-making at all levels
- Modernizing the IT landscape, moving to cloud platforms and microservices architecture to ensure flexibility and speed of product launch
- Developing Open and participating in open ecosystems to embed their services into customer journeys
- Large-scale automation and robotization of typical operations, allowing to radically increase efficiency

Fintech Startups: Breakthrough Innovations and Value Proposition
Fintech projects creating products and service models from scratch based on the latest technologies pose a serious competition to traditional banks. Being free from the burden of legacy systems and largely exempt from the regulatory burden, they are able to offer an unprecedented value proposition in such niches as:

- Mobile and online banking ( , , )
- P2P lending and crowdfunding ( , Funding Circle)
- Robo-advisory (Betterment, Wealthfront)
- Cross-currency transfers ( , Remitly)
- AI-powered personal finance management (Cleo, Plum)
- Embedded financial services for e-commerce (Klarna, Affirm)

BCG predicts that by 2025, new players could account for up to 40% of banking revenues [3]. To retain customers, traditional banks need to find ways of symbiosis and mutually beneficial partnerships with the fintech ecosystem - from white label integration of innovative solutions to launching their own digital banks and platforms.

Neobanks and Open Banking: The Path to Modularity and Disaggregation
The next stage in the evolution of the banking sector is the proliferation of neobanks - fully digital banks without physical infrastructure, built on the basis of open APIs. Projects such as , , and provide a regulated platform for rapid launch of fintech products to a wide range of companies from various industries.

As a result, financial services are beginning to disaggregate and embed into customer journeys at points of real need - from online stores and sharing platforms to telecom providers. According to Lightyear Capital estimates, the volume of embedded finance will reach $230 billion by 2025 [20].

In these conditions, traditional banks will have to reconsider their business models:
- Become providers of regulated "back-end" infrastructure, combining licenses, balance sheet, and risk management tools
- Develop their own platforms for rapid development of financial products by both internal teams and third-party market participants (open innovation)
- Build partnerships with market leaders to embed their services into the most in-demand user scenarios

Blockchain in Banking: Rails for a New Financial System on the Path to
Distributed ledger technology is also entering the arsenal of innovative banks. Blockchain opens up opportunities for creating "digital assets," tokenizing the real economy, and conducting transactions without intermediaries. In addition to cryptocurrencies, scenarios such as identity management, smart contracts, and supply chain finance are promising.

Distributed ledgers and smart contracts are gradually becoming the de facto standard for the new generation of financial infrastructure. According to a study, 90% of bank executives are experimenting with blockchain, and 77% plan to implement solutions based on it by 2025 [21].

Banks are actively experimenting with private and consortium networks. For example, the We.Trade platform, created by a consortium of 12 European banks, uses IBM Hyperledger blockchain to simplify cross-border trade between SMEs. The Marco Polo platform, with the participation of giant banks such as SMBC, , and , uses R3 Corda to improve the efficiency of trade finance. Another example is the Inthanon-LionRock project of Thailand and Hong Kong to create a prototype of cross-border interbank payments based on central bank digital currencies. It is expected that such initiatives will eventually lead to the formation of a "multi-network" of blockchains seamlessly linking financial markets of different jurisdictions. A number of banks are experimenting with launching their own stablecoins and tokenized assets. For instance, has developed the JPM Coin digital currency for instant settlements between institutional clients. Societe Generale has issued €100 million in covered bonds in the form of a security token on the public Ethereum blockchain. At the same time, fully decentralized blockchain protocols are emerging in the areas of lending ( , Compound), derivatives (dYdX, ), and liquidity aggregation (Curve, ). Asset management companies like Grayscale are already offering institutional investors regulated instruments for accessing crypto-asset markets. As the technology develops, it is likely that many banking functions will migrate to open blockchain protocols, and the role of banks will shift toward providing user-friendly interfaces, transaction verification, private key storage, oracle administration, and integration with the real economy. The niche of custodial and settlement services for the blockchain economy is already beginning to be occupied by new types of companies, such as Anchorage, , and BitGo. At the same time, the full-scale implementation of blockchain technologies in the financial sector is still constrained by unresolved issues of regulation, data privacy, scalability and interoperability of different networks, and energy efficiency of consensus mechanisms.

The most promising scenarios for blockchain application in the banking industry include:

- Modernization of cross-border payments and securities settlements ( , Connect, JPM Coin, Utility Settlement Coin)
- Issuance and circulation of digital assets - tokenized securities, stablecoins, digital bonds (Blockchain.com, Societe Generale, )
- Customer identification and data management based on decentralized identifiers (Sovrin, Evernym)
- Infrastructure for trade finance and supply chain management (We.trade, Marco Polo, Contour)
- Creation of programmable money (central bank digital currency) for executing conditional transactions without intermediaries (Inthanon-LionRock, Jasper-Ubin, DC/EP)

As blockchain markets develop, the role of banks will shift from being custodians and transmitters of value to providers of user-friendly interfaces, business logic, and intelligent algorithms responsible for generating insights from financial data. At the same time, the niche of custodial storage of crypto-assets and settlement in the new economy is already beginning to be occupied by specialized companies such as Anchorage, Coinbase Custody, and Bitgo [22].

Undoubtedly, blockchain still has a long way to go to gain the trust of both regulators and the mass consumer. Issues with data privacy, network bandwidth, compatibility with established standards need to be addressed [4]. However, the very concept of the "Internet of Value" is extremely promising and can give rise to completely new business models.

Artificial Intelligence as the New Electricity for Banks
AI is becoming a core technology that radically enhances banks' ability to process information and make decisions. A Deltec Bank & Trust study showed that 87% of bankers view AI as a key factor in competitiveness, while only 11% are at an advanced stage of its implementation [23]. In other words, we are now observing only the initial phase of "AI transformation."

Key areas of AI impact on the banking business include:

1. Personalization of products and communications
AI allows analyzing the entire history of customer interaction with the bank and their digital footprint to predict needs, select optimal offers, and proactively deliver them through convenient channels. Chatbots and voice assistants can not only answer typical questions but also provide personal advice based on the customer's profile.

2. Back-office robotization
AI combined with RPA allows automating up to 50% of typical operations, freeing up employees' time for tasks that require human skills - empathy, creativity, strategic thinking [5]. For example, at Bank of America, an AI platform helps call center operators find the best solutions to complex customer problems in real time [6].

3. Improving risk assessment accuracy
Modern AI models trained on vast arrays of structured and unstructured data allow for more informed decisions in borrower underwriting, dynamic pricing, and fraud detection. For example, Zest AI claims a 15% increase in credit scoring accuracy without negatively impacting approval rates [24].

4. Algorithmic trading and capital management
AI is able to find non-obvious patterns in financial markets, build and test investment strategies, and balance portfolios in accordance with given risk and return parameters. Robo-advisors like BlackRock's Aladdin are already competing with professional managers [25].

5. Regulatory compliance (regtech)
Machine learning algorithms allow faster and more effective detection of suspicious activity, compliance violations, and generating a coherent picture for regulators. For example, HSBC uses Quantexa's AI platform for real-time financial crime monitoring [26].

According to Autonomous estimates, comprehensive AI implementation could lead to a 22% reduction in banking costs over 8 years [27]. Juniper Research analysts are even more optimistic: they predict that AI will allow banks to save up to $447 billion by 2023 [28].

Thus, AI opens up the possibility to rethink the classic model of banking service, making it much more proactive, customized, and intelligent. From transaction-oriented service, banks will be able to move to providing "smart assistant" services, always ready to optimize the customer's financial well-being.

The Phenomenon of the "AI Bank": Leaders of Tomorrow
The most forward-thinking players are going beyond the point application of AI tools and building operational models originally designed around algorithms and data. As a rule, these are neobanks unburdened by outdated infrastructure and culture.

A textbook example of the "AI-first" approach is China's WeBank, founded by technology giant Tencent. Leveraging a base of one billion WeChat users with their digital profiles and behavioral patterns, the bank has fully automated credit decision-making, service communications through chatbots, and risk detection. This allows it to effectively serve the small business and retail customer segment, often invisible to the radars of large banks [29].

Another interesting example is Britain's Cleo. It is not a bank in the classical sense, but rather an AI assistant that connects to the user's accounts and, using natural language processing technologies, helps them manage finances and achieve goals. Cleo can recommend personal budgets, warn about suspicious transactions, find good deals, and even arrange competitions between friends to achieve financial goals [30].

The American neobank Dave uses AI to build behavioral scoring based on analysis of transaction history and social media profiles, which allows it to lend to customers with "thin" or missing credit files. At the same time, rates are 10-20% lower than those of microfinance organizations [31].

South Korea's Kakaobank applies AI to create "digital twins" of products, allowing it to accurately assess demand elasticity and optimize credit and deposit pricing parameters in real time. As a result, the bank has a 25% lower cost of funding compared to universal competitors with comparable asset returns [32].

These examples show that AI is becoming the core of the business model of a new generation of banks, allowing them to radically improve product functionality, increase financial inclusion, and reduce costs. In the 5-10 year perspective, such players may pose a serious competition to traditional banks due to the ability to attract and monetize customers on fundamentally different terms.

Moreover, as Deloitte experts believe, the technological profile of AI banks will allow them to go beyond purely financial services and become "lifestyle" assistants, covering a wide range of users' daily needs - from ordering cabs to buying discounted tickets [33]. For traditional banks, this simultaneously means both a threat of commoditization and a chance to embed themselves in new value chains as infrastructure providers and product originators.

Challenges and Risks on the Path to "AI Banking"
With all the promise of the "AI-first" approach, banks will have to solve a number of fundamental problems on the path to its implementation:

1. Modernizing the IT landscape
To realize the potential of AI, banks need to radically transform their IT architecture. The transition to cloud platforms, APIs, and microservices will create an environment for rapid development and scaling of AI solutions. At the same time, seamless integration of legacy systems with the new technology stack will have to be ensured [34].

2. Forming a data-driven culture
Implementing AI requires not only technological but also mental changes. Bank leaders will have to cultivate data-driven thinking at all levels of the organization, revise decision-making processes and employee KPIs. Without the support of top management, even the most advanced algorithms risk remaining at the level of pilot projects [35].

3. Competing for IT and data science talent
According to WEF estimates, demand for AI, machine learning, and big data professionals will grow by 58% by 2022 [36]. Banks, often perceived as conservative structures, will have to compete for these professionals with technology giants and AI startups. The solution may be active investment in training and retraining of their own employees, as well as strategic partnerships with academic institutions.

4. Ensuring the reliability and transparency of AI solutions
As AI penetrates deeper into decision-making processes that affect people's lives, issues of control and regulation of algorithms come to the fore. Banks need to ensure that AI models comply with principles of ethics, non-discrimination, and personal data protection, and develop mechanisms for interpreting their operation for customers and regulators [37]. Otherwise, reputational and compliance risks may outweigh the expected benefits.

Conclusion
In summary, the banking industry is at a turning point in its digital transformation. Artificial intelligence, combined with open banking and blockchain, opens up opportunities for a radical rethinking of the operational and business models of players.

In the coming years, we will witness the emergence of a new class of "AI banks" that build all aspects of their operations around data and algorithms. These organizations will be able to offer an unprecedented level of personalization, proactivity, and embeddedness of financial services in customers' daily lives.

To remain competitive, traditional banks will have to find their place in the new technological and business paradigm. This will require rebuilding the IT landscape, corporate culture, and partnerships - in essence, transforming the DNA of organizations. Those who can properly leverage the opportunities of the "AI era" will be able to ensure sustainable development for years to come. Others risk forever ceding the palm to new players.

The transition to "AI banking" is not only a technological but also a worldview shift. It carries both tremendous opportunities and serious challenges related to ethics, privacy, and data security. To gain the trust of customers and regulators, banks will have to develop the highest standards of transparency and accountability for AI solutions.

Governments can and should become important participants in the "AI transformation" process, stimulating research, investment, and developing balanced regulatory frameworks. The synchronization of efforts between the private and public sectors will largely determine whether artificial intelligence will truly become a tool for financial inclusion and prosperity growth, or a source of new forms of inequality and instability.

With the proper level of cooperation and foresight, banks have a chance to not only modernize their business, but also make a significant contribution to building a more efficient, equitable, and sustainable financial and economic system. I want to believe that the industry will be able to take advantage of it.

Sources:
[1] McKinsey, "AI-bank of the future: Can banks meet the AI challenge?", 2020
[2] BCG, "Global Retail Banking 2021: The Front-to-Back Digital Retail Bank", 2021
[3] BCG, "The Future of Fintech and Banking", 2021
[4] Deloitte, "Blockchain in banking: Going beyond the hype", 2020
[5] Autonomous Research, "Augmented Finance and Machine Intelligence", 2019
[6] FT, "AI in banking: the reality behind the hype", 2021
[7] Insider Intelligence, "AI in Banking", 2021
[8] HBR, "How AI Is Transforming Financial Services", 2021
[9] Sifted, "Meet Cleo, the digital assistant that wants to replace your banking apps", 2019
[10] OECD, "Artificial Intelligence, Machine Learning and Big Data in Finance", 2021
[11] FSCAA, "The emergence of AI in finance: opportunities and challenges", 2021
[12] WEF, "AI in Financial Services", 2018
[13] FSB, "Artificial intelligence and machine learning in financial services", 2017
[14] We.Trade, "The Platform", 2021
[15] Marco Polo, "Our network", 2022
[16] BIS, "Inthanon-LionRock to mBridge: Building a multi CBDC platform for international payments", 2021
[17] J.P. Morgan, "J.P. Morgan Creates Digital Coin for Payments", 2019
[18] Societe Generale, "Societe Generale issued the first covered bond as a security token on a public blockchain", 2019
[19] Grayscale, "Reimagining the Future of Finance", 2020
[20] LightyearCapital, "Banking-as-a-Service: Outlook for 2025", 2021
[21] PwC, "Blockchain is here. What's your next move?", 2021
[22] OECD, "The policy environment for blockchain innovation and adoption", 2020
[23] Deltec Bank & Trust, "AI and Machine Learning in Finance Survey", 2021
[24] Zest AI, "The Zest Automated Machine Learning (ZAML) platform", 2022
[25] FT, "BlackRock bets on algorithms to navigate the bond market", 2019
[26] Quantexa, "HSBC and Quantexa Partner to Tackle Global Financial Crime", 2021
[27] AutonomousNEXT, "Augmented Finance and Machine Intelligence", 2019
[28] JuniperResearch, "AI in Fintech: Roboadvisors, Lending, Insurtech & Regtech 2018-2023", 2018
[29] HBR, "How AI Is Transforming Financial Services", 2021
[30] Cleo, "About"
[31] Dave, "Banking for humans"
[32] McKinsey, "Korea's Digital-Banking Boom", 2021
[33] Deloitte, "Intelligent Automation in Financial Services", 2021
[34] FinExtra, "Overcoming legacy systems to adopt AI: challenges and opportunities for banks", 2022
[35] MIT, "Building the AI-Powered Organization", 2019
[36] WEF, "The Future of Jobs Report 2020", 2020
[37] OECD, "Artificial Intelligence in Society", 2019

Dear esteemed colleagues and friends,
I pray thee, cast thy gaze upon this most intriguing data concerning the daily consumption of spirits across the diverse realms of Europe. These statistics shed light on the fascinating cultural distinctions and traditions tied to the imbibing of intoxicating beverages.

As is evident from the map presented herein, the highest percentage of adults consuming in excess of 15 grams of pure alcohol daily can be observed in the lands of Portugal (21.4%), Spain (15.6%), and Italy (12.6%). It is noteworthy that a significant portion of Italians (10.4%) also partake in the consumption of 10 to 15 grams of alcohol on a daily basis.

On the contrary, the lowest level of regular consumption is demonstrated by Turkey, where a mere 0.5% of the adult populace drinks more than 2.5 grams per day. Similarly, exceedingly moderate daily consumption is noted in Lithuania (0.8%) and Iceland (1.1%).

A curious fact: in the Scandinavian countries, renowned for their culture of Friday evening gatherings, the daily consumption of alcohol is quite restrained. For instance, in Sweden, only 3.2% of adults imbibe more than 15 grams per day. A comparable pattern is observed in Finland (4.2%), Norway (3.0%), and Denmark (6.6%).

The statistics presented herein allow us to view the alcohol-related traditions of various European peoples in a new light. It is evident that in the southern part of the continent, the daily consumption of wine and other spirited drinks is more deeply rooted than in the north.

I would be most grateful if thou wouldst share thy observations and experiences regarding the consumption of alcohol in thy country within the comments. Do thy personal impressions align with the statistical findings presented?

🔥 The Crypto Kingdom Weekly Chronicle: Stalemate in the Bestiary 🦘
The bulls and bears have crossed swords, yet neither faction hath emerged triumphant. The , alas, remains shackled in a vexing purgatory of lateral motion, as the nobility awaits tidings of portentous import from the realms of macroeconomics and regulatory decrees.

📊 The Figures of Note from This Fortnight:
- The total hath receded by 5.2% to a mere $2.56T 📉
- ( ), the crown jewel, hath relinquished 3.1% of its luster, descending to $65K. Its stands at a middling 53.3%
- ( ), too, finds itself in the crimson: -5.1% to $3,364
- , the jester's coin, hath ascended a lofty 19.1%, while , the upstart, plummeted 8%
- ( ), the stablecoin of choice for the gentry, inched up 0.1% to $103.9B as the well-heeled stockpile

🐳 The whales, those lumbering beasts hoarding 100+ BTC, have seen fit to reap their gains ere the 's conclave. The Ethereum network, meanwhile, hath witnessed a trifling uptick in activity, and the Dencun upgrade hath assuaged the burden of tariffs.

💰 The majority of the premier have slid in tandem with BTC and ETH. Yet, DOGE, the memetic , hath proven that jest and whimsy still hold sway! (+2.4%) waxes in anticipation of the imminent betrothal of the crypto realm and traditional finance.

🔮 The sagacious remain sanguine:
- Cathie Wood ( ): BTC to attain the lofty heights of $1-2M by 2030 🚀
- Larry Fink ( ): are but a prelude; anon, all assets shall be !

📈 The divination of augurs that Bitcoin is poised to rupture the triangle's upper bounds. Should ETFs entice a deluge of capital and the exodus from Grayscale slows to a trickle, a price of $70K is all but foretold!

🗞️ The Dispatches of Paramount Importance:
- Galaxy Digital to unfurl in the Old World 🌍
- inquisitors set their sights on 🕵️‍♂️
- A fetches a princely sum of $17M 💸
- unveils its own stablecoin, the 🪙
- BlackRock alchemizes a novel fund into tokens 🏦
- Tokenized in the New World amass a treasure trove of $845M 📃

📣 Bestow thy favour with a like and regale us with thy musings in the comments, should this chronicle prove illuminating! Subscribe post-haste to stay abreast of the latest dispatches from the crypto frontier! 🔔