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Dow drops 500 points as more China trade actions spark return of sell-off to Wall Street: Live updates – CNBC

  1. Dow drops 500 points as more China trade actions spark return of sell-off to Wall Street: Live updates  CNBC
  2. US Stocks Tumble as China Retaliation Raises Trade War Stakes  Bloomberg.com
  3. Stock Market Today: Dow Drops 500 Points After U.S.-China Tensions Resurge — Live Updates  The Wall Street Journal
  4. Dow Open Downs After China Retaliates in U.S. Trade War  Barron’s
  5. Stock market today: Dow, S&P 500, Nasdaq slide as US-China trade tensions rattle nerves  Yahoo Finance

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Top 7 Crypto Recovery Services: The Complete Guide to Crypto Recovery in 2025 – vocal.media

Today, fraudsters target the owners of digital assets more than ever. However, those who lose money to hackers can deploy time-tested crypto scam recovery methods to get their stolen tokens back. It’s important to take swift action within the first hours after detecting that a digital wallet was accessed by third parties. If one does not have relevant experience, it might be challenging to collect the necessary evidence and contact the authorities quickly without professional assistance. Finding a reputable crypto recovery platform is a prerequisite to increasing one’s chances of restoring lost funds. In this guide, our experts review the best 7 crypto recovery services available today and consider their unique strengths.

The first 2 days after an incident are crucial. When crypto funds are transferred to a third-party wallet, it may still be possible to trace them and demand account freezing. However, if one delays the decision to track the hackers, their chances of reclaiming their funds drastically decrease. Follow the steps described below to increase the likelihood of retrieving your holdings.

Documenting the evidence

Asset owners should gather the available scam details to assist authorities. Acting without delay allows investors to improve recovery chances. Be sure to collect information about transaction IDs and wallet addresses, including your own and the scammer’s.

Freezing accounts
Trusted crypto recovery services have established close cooperation with leading exchange platforms. If your assets were transferred to one of these sites, it might be possible to freeze the wallet of a recipient if you act quickly.

Contacting exchanges
Many platforms have adopted special protocols that allow them to freeze a user's wallet after receiving a complaint. This is why contacting such sites is necessary to expedite recovery. Centralized crypto exchanges must adhere to the Know Your Customer (KYC) policy. It allows them to identify fraudsters and discover the networks of users who break the rules.

Filing a police report
This step is necessary to inform authorities about the incident and ensure that cybercrime units have enough information to start an investigation. File a report with the police or send a complaint to the financial regulator (SEC or FCA). You may learn more about every step of the procedure in

A Complete Guide to Recover Stolen Cryptocurrency.

Our experts have thoroughly analyzed the services offered by popular crypto recovery platforms and compared their terms. When selecting the best providers for this list, we prioritized multiple criteria.

Transparency
We wanted to discover sites with a strict no-upfront-fee policy. Such platforms charge a fee only when one receives their money back. It’s important to order recovery services on officially registered platforms that are transparent about their policies.

Forensic Capabilities
A platform should have a team of experts with experience in blockchain tracing. It permits such specialists to trace the movement of digital assets through decentralized ledgers and detect suspicious activities.

Legal Team
A company should have a team of legal professionals knowledgeable about the legislation in a specific region. As laws controlling crypto assets vary depending on jurisdiction, one should understand how to deal with legal challenges efficiently.

Client Success Stories
We assess a company’s reputation and brand image. Every trustworthy crypto recovery service should have a documented history of success stories. We analyze client reviews and look for verifiable evidence.

Crypto asset owners are often reluctant to get help when they lose their holdings. They miss an opportunity to trace the assets while it’s still possible to find and return them. Many investors do not trust online platforms offering crypto recovery services. Beware of the main crypto recovery scam warnings:

1. Demands for upfront fees
Some platforms introduce registration fees and other advance payments, pressuring their clients to pay for their services without knowing whether they will be able to get their money back. Legit no upfront fee crypto recovery services do not demand any payments until the work is done. They may ask for a percentage of recovered money, but they do not ask their clients to pay any initial fee.

2. Promises of guaranteed recovery
It’s impossible to guarantee that lost funds will be returned. Every service that gives a 100% recovery guarantee is a scam site.

3. Asks for private keys or wallet access
Legit crypto recovery experts never ask clients to share their seed phrases and give them their master keys to their digital wallets. Disclosing this information to scammers will result in losing your money.

4. Uses high-pressure tactics
Fraudsters often create a false sense of urgency to pressure their victims to make a quick decision. They may insist that a user transfer some funds to them.

5. Has an unprofessional or untraceable online presence
Scammers do not have a solid online presence. Their digital footprints are difficult to identify. Their social media profiles do not have any information that makes it easy to track them.

Ranking the 7 Vetted Crypto Recovery Services for Lost Funds

Reporting scams is necessary to unveil fraudulent activities and make the environment safer. The authorities have the right to freeze crypto wallets during an investigation if there is enough evidence that funds were acquired as a result of a crime. Authoritative crypto recovery platforms will help you prepare professionally written forensic reports to provide evidence for cybercrime investigators.

Top providers collaborate with law enforcement agencies to ensure that the recovery process remains fully compliant with existing standards. They analyze on-chain data and use their intelligence capabilities to integrate off-chain data into their reports. Experts consider transaction histories and create a detailed map of an asset’s journey. However, finding trusted services is difficult. Our experts have tested the most popular platforms and provided a detailed overview of each service to help you make an informed choice.

#1: Broker Complaint Alert (BCA) (Best for Complex Cases)

Broker Complaint Alert helps clients recover funds lost as a result of crypto scams. The company has a team of experts who know how to restore stolen crypto. They work with major cryptocurrencies, including Bitcoin. The team works on the cases related to:

BCA has been offering its services for 10+ years. The company provides guidance to thousands of people every year. It has created a detailed list of financial brokers involved in scamming activities, which allows it to warn its clients against entrusting their funds to them. The online consultants provide assistance to clients, helping them to choose the right services and connecting them with lawyers who specialize in specific cases.

Clients should visit the “Report a Scam” section of the platform and fill out the Online Trading Complaint form with the required details. When contacting the company, one should provide their name, email, phone number, country, the amount of lost funds, and the deposit method that was used. Besides, they should describe their case in detail to make it easier for the team to understand what has happened.

If a person lost money to fake cryptocurrency investment funds, they should describe the tactics used by scammers when communicating with them, the payment methods that were used, and the timeline of the events. This information helps experts to solve complex cases and identify the organizers of the scheme.

Clients receive a reply within 1-2 business days. It’s important to indicate the URL of the fraudulent platform, describe the emails you received, and provide other information that may help the team solve the case. If you have an IP address of the platform you have been using, send it as well. After the initial consultation, a client will receive information about the fee they will have to pay.

Your Best Chance to Recover Lost Crypto is Here. BCA is our #1 Vetted Service for a reason. Reinforces the ranking and authority right before the click.

Start My Free Case Review with BCA Now
Vetted & Recommended. No recovery, no fee guarantee.

RSF stands out for its extensive knowledge of local legislative frameworks. The company specializes in complex regulations and guides its clients through the nuances of cryptocurrency laws. The team helps victims to take the right steps and report scams to the relevant authorities. One can contact the service to get an individual consultation on the best fund retrieval strategy. While the company does not retrieve cryptocurrency directly, its assistance can be invaluable for those who want to file a complaint written in accordance with existing standards.

RSF helps victims of cryptocurrency fraud, forex scams, and fake websites. It assists investors with identifying fake brokers and provides them with the information they need to notify the authorities. The team also consults clients on the best ways to protect their crypto assets while staying fully compliant. It has years of experience with cyber fraud. Its assistance allows asset holders to avoid common cryptocurrency scams. It also helps investors dispute transactions and get a refund.

The company is fully transparent about its registration information and uses an efficient scoring model to assess ICO projects. Its integrated website reputation checker tool helps users to quickly check any platform and assess its trust score.

Crypto Recovery Expert is known for its professional team, capable of conducting complex investigations and finding stolen funds on behalf of its clients. These professionals have advanced data tracing capabilities. They analyze the transfer of funds and create detailed reports that are invaluable for the authorities. The experts study each case thoroughly and document each incident to choose the best fund recovery strategy.

The team offers a professional assessment of the information provided by a client and chooses the best resources to solve each case. It has years of experience in investigating financial crimes. The company has created a unique technology allowing it to trace assets and return stolen money to its clients. It uses a custom evaluation system for each case. Its clients can benefit from the guidance of cybersecurity specialists, legal professionals, and other experts.

The service relies on advanced technology to detect the signs of financial fraud, perform blockchain tracking, and retrieve tokens swiftly and efficiently. It safeguards client data and guarantees full confidentiality. This approach makes its assistance invaluable to investors.

Chainalysis is a well-established company that specializes in blockchain analysis and provides Bitcoin recovery services. It relies on pro-grade tools to track suspicious and fraudulent transactions, identify recipients, and detect illicit activities. Its services are used by government officials and cybercrime units tasked with tracing stolen funds.

The company uses a unique approach, helping it to solve complex cases. As fraudsters often transfer stolen money through multiple wallets, the team creates comprehensive reports on the fund movement. It allows law enforcement officers to get in touch with an exchange’s representatives and request a fund freeze without delays. The team has impressive forensic capabilities and stands out for its analysis of blockchain data. It offers comprehensive recovery solutions and provides its clients with legal guidance.

The company is based in New York. Chainalysis’ experts are knowledgeable about different blockchain networks. The team recovers funds stolen from Bitcoin, ETH, and stablecoin wallets. The only notable downside is that these experts mostly serve major companies like Barclays and Wirex. Their services are hardly suitable for retrieving small amounts of crypto assets.

Founded in 2018, this Helsinki-based company specializes in all types of financial fraud, including cryptocurrency-related crimes. VALEGA Chain Analytics has a team of forensic investigators, knowledgeable in crypto scams. It serves businesses and individuals who fell victim to crypto fraud. The team uses advanced blockchain tracing tools to discover the destination of stolen tokens and take the necessary steps to retrieve them.

The company has worked on several high-profile cases, which helped it establish its reputation. It assisted a client who lost a significant amount of funds to crypto scammers and helped the authorities to investigate complex cybersecurity incidents.

VALEGA Chain Analytics has established a partnership with trusted law firms. It allows it to benefit from the expertise of the top legal experts in the field. The team has a wealth of resources to guide its clients through every stage of the recovery process. It deploys advanced blockchain forensics techniques, which further enhance its capabilities. The company responds to incidents without delays, which ensures the secure retrieval of lost funds.

Elliptic is a London-based provider, serving regulators, financial institutions, token issuers, law enforcement units, and exchange platforms. It offers a wide range of cryptocurrency recovery and risk management services. Its expert team uses pro-level blockchain analytics tools to trace stolen digital holdings. It knows how to detect the signs of suspicious activity and facilitates the recovery of tokens lost as a result of fraudulent transactions.

Elliptic helps businesses and organizations to unveil threats by analysing blockchain in real time. It uses efficient intelligence tools to expose every instance of fraud, regardless of the complexity of a case. The company has complete information on high-risk wallets, which facilitates threat monitoring. Its in-depth expertise in blockchain and current regulations makes its services invaluable for entities interested in investigating crypto fraud.

The team has experience with retrieving tokens lost from Bitcoin, Ethereum, and stablecoin wallets. Besides, it has completed the cases that involved stolen memecoins and other popular currencies. The team has extensive knowledge of 47 blockchains. However, the company prioritizes working with global clients and organizations, making its services hardly useful for small investors.

KeychainX is a reputable crypto recovery service founded back in 2017. The team recovers lost or inaccessible digital holdings, including BTC and ETH. It has a lot of experience in lost crypto recovery, restoring passwords, and helping clients access their wallets. Besides, it can repair damaged hardware wallets. The company offers personalized solutions to every client. It allows it to handle complex cases. KeychainX does not charge a fee for the funds that weren’t recovered. This policy helps the platform establish trusting relationships with its clients and maintain transparency.

KeychainX restores lost Trezor passphrases and helps investors recover their Ethereum Presale and MIST passwords. It has experience with different types of wallets and helps clients to access their seed words. The company has a 5-star rating on Trustpilot, which further highlights its reliability. It can recover wallet passwords from damaged files and devices. The company used special software to decrypt user wallets. It also helps clients to recover their crypto stored on iOS and Android devices. While the team prioritizes recovering passwords to Bitcoin and Ethereum wallets, it also has experience with Dogecoin, Solana, and BNB.

Many people ask: “What to do if scammed on crypto?” The platforms reviewed in this guide teach their clients how to report a crypto scam and collect evidence. They provide clear guidelines to those who do not know what steps to take to expedite the recovery. These services do not charge any registration fees and maintain full transparency regarding their policies. Their cooperation with authorities helps them provide top-notch services to their clients. Every firm listed above uses professional tools to trace crypto through the network.

We have created this list of crypto recovery companies to help our readers find authoritative service providers capable of helping them retrieve their funds. When looking for the best options, we focused on the expertise of their teams, knowledge of different blockchains, and client feedback.

After comparing these providers, we have concluded that Broker Complaint Alert is the best crypto recovery service available today. It caters to the needs of small and institutional investors, helping them to track stolen funds, contact relevant authorities, and file complaints. While some firms also have expertise in blockchain analysis and forensic investigations, BCA handles complex cases and serves the needs of diverse clientele. BCA uses a comprehensive approach to crypto fund recovery and relies on the expertise of its agents to handle the most complex financial scams. They have an in-depth understanding of the tactics used by scanners and provide victims with personalized services to help them regain control over their funds.

How long does crypto recovery take?
Simple crypto recovery cases may take from several hours to several days to solve. They typically include password resets or solving issues with seed phrases. However, when a user’s account has been hacked and the funds stored in the wallet have been transferred to third-party accounts, it may take weeks until the assets are returned to the rightful owner. Reputable crypto recovery platforms typically act swiftly, which allows them to expedite fund recovery. Cases with deleted wallets or corrupted data are often resolved within 72 hours. One should learn how to report a crypto scam quickly to improve their chances of retrieving their tokens.

Can I recover crypto sent to a mixer?
The possibility of retrieving funds transferred to a mixed account is quite low. Scammers often mix assets stolen from different wallets, making it impossible to trace their sources or confirm ownership. Commingling services hide the origin of assets. As a result, investigators cannot trace individual transactions. Mixers were created to hide the traces of funds moving through the blockchain. Once stolen funds were pooled with others, it’s no longer possible to return them.

Is crypto recovery legal?
Yes, the procedure is completely legit if fund retrieval is performed using legal means. Investors who lose their funds to hackers are often reluctant to take their necessary steps to retrieve their funds, as they ask themselves: “Are crypto recovery services legit?” As a result, they lose valuable time and make it challenging for cybersecurity units to do their job. Crypto recovery should be performed by reputable firms with transparent policies that use ethical methods, cooperate with the authorities, and use expert legal assistance to file complaints. One should check whether a company has a valid registration address and verify its reviews before ordering its services.

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Crypto market dips below $4 trillion today: why crypto down today October 14 – BTC, ETH, BNB, SOL, ADA all – The Economic Times

The cryptocurrency market is under significant pressure on October 14. Overall value slipped below $4 trillion, now at $3.97 trillion. Bitcoin dropped 1% to $113,144. Ethereum fell slightly to $4,104. Nine of the top ten coins showed losses. Only Solana gained, up 4.1%. Rising US-China trade tensions sparked market jitters. Investors also brace for the Federal Reserve’s next rate decision. These pressures fuel crypto volatility and cautious sentiment today.

(Catch all the US News, UK News, Canada News, International Breaking News Events, and Latest News Updates on The Economic Times.)
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Next Crypto to Explode: Historic Market Crash Creates Perfect Entry for SOL, ADA & DeepSnitch AI – CoinCentral

The crypto sphere just experienced one of the most severe liquidations in history. On October 10, crypto traders woke up to a painful $19.13 billion liquidation event as Trump’s post about 100% tariffs on Chinese goods caused Bitcoin to fall from $121,561 down to $109,883 while Ethereum sank from $4,350 to $3,683. Even the Fear & Greed Index dropped to 31, deep fear territory.
But those in the crypto know have learned the opportunistic timing that occurs post-panic selling. But now Bitcoin is slowly bouncing back, followed by Ethereum. The crypto market cap returned to $4 trillion again, with 97 of the top 100 coins all in the green.
After such a historical meltdown, traders everywhere are looking for the next crypto to explode, with Solana, Cardano, and DeepSnitch AI at the top. The DeepSnitch AI presale Stage 2 is live at $0.01877 and has raised over $402,482 as it prepares for exchange listings.

Friday’s selloff will go down in history as the largest liquidation event ever in crypto. The $19.13 billion decimated exceeds previous crash liquidations, including the FTX liquidation of 2022 ($1.6 billion) and the crypto COVID crash of March 2020 ($1.2 billion), by almost 20 times the pandemic-era liquidation.
Trump’s Truth Social publication, threatening 100% tariffs on China, sparked fear of a renewed trade war and triggered a global risk-off reaction. Traditional markets suffered similarly as the S&P 500 fell 2.71%, the Nasdaq-100 dropped 3.49%, and the Dow fell by 1.9% by the end of the trading day on October 10.
Of the $19B, about $16.7 billion came from long positions, overleveraged crypto traders receiving margin calls. However, according to crypto analyst Nic Puckrin from The Coin Bureau, “this has cleaned out the excessive leverage and reset the risk in the market.”
Layer 2 coins gained the most as they soared by 19.4% on Monday, while AI, CeFi, and DeFi enjoyed double-digit percentages. Now that the digital currency market has resettled with leverage flushed out, it’s time to find the next big cryptocurrency in 2025.
As major coins stabilize at previous highs, DeepSnitch AI brings an asymmetric opportunity at Stage 2 presale pricing of $0.01877. Having raised over $402,482 so far, the price has already jumped by over 24%.
DeepSnitch AI will provide traders with what they’ve needed most over the years: protection against scams and information asymmetry. It is powered by five AI agents that will operate 24/7 to cut through the noise of crypto.
There’s the SnitchScan, which will search blockchain data looking for suspicious patterns, and the SnitchFeed, assessing social sentiment on multiple platforms like Telegram, X, and Discord. There’ll be a AuditSnitch who will assess smart contracts looking for vulnerabilities, and a SnitchCast aggregating breaking news in real-time.
But after a market crash like last Friday, it’s the SnitchGPT that makes a DeepSnitch AI investment worthwhile. The goal is to identify when whales and insiders position before major movements. With information asymmetry driving who profits and who gets liquidated, DeepSnitch empowers everyone with appropriate information to make their moves at the right time.
To discover crypto with 100x potential, one must look for utility plus undervaluation. Priced at $0.01877, DeepSnitch is undeniably a small-cap gem with practical use cases that cost traders billions every year. None of this vague AI infrastructure play, but something with real-time integration via Telegram right off the bat, which works no matter if the market is bullish or bearish.
With 1 billion users on Telegram providing distribution potential, DeepSnitch AI operates at the intersection of two major growth trajectories.

Solana had a strong showing during Friday’s crash, less affected than many Layer 1 competitors. With about 75% of SOL tokens locked in staking compared to Ethereum’s 25%, panic selling was limited. Currently, SOL trades around $197-$224, having rebounded nicely from Friday’s low of $182.
CoinCodex predicts SOL can rise to $204 by November 11 and potentially bump up to $224-$230 by late October if increased buying volume materializes. DigitalCoinPrice shows more bullish projections with an average target of $482 by the end of 2025.
Solana consistently leads new tokens launched, with over 87% of all new tokens generated from tracked platforms this year alone. A breakout above $260 could place SOL on track for $300-$400 by mid-2026.
At nearly $200 per token, SOL has already delivered substantial gains for early holders. While fundamentals are there, other early development projects featuring real applicability and low market caps possess stronger asymmetric upside. For traders looking for 10x-100x plays with established use cases in small caps, newer projects present more compelling opportunities.
Currently, Cardano is priced between $0.65-$0.94 and supported above the crucial $0.80 level. As of October 13, ADA is up 0.72% on the day, boasting a market cap of $30.7 billion and a 24-hour volume of $1.49 billion, up 30.62% on the day.
According to CoinCodex, ADA will breach the $1 mark by October 31 and reach $1.34, an additional 62% rally by December 22. Other estimates suggest ADA will reach between $1.20-$1.50 by 2025 as governance improvements unfold and if ETF catalysts align.

In recent news, Charles Hoskinson suggested that a $100 million conversion of ADA into USDM stablecoin would foster more DeFi liquidity, plus increased staking as Bitstamp opens for trading.
ADA has wonderful fundamentals, but its market cap might prevent drastic upside moves since newer projects have higher percentage potential because of smaller market caps. Moving from $0.83 to $1.50 gets approximately 80% returns from ADA, solid compared to other blockchains, but early-stage moves hold much more potential with hypothetical gains of 100x.
For those seeking the next big cryptocurrency 2025 with asymmetric returns, smaller-cap projects with working products warrant closer attention.
Last Friday’s historic liquidation reset the cryptocurrency market, flushing out excessive leverage and creating fresh entry points. Bitcoin’s climb back to around $112k and Ethereum’s price increase to $4,000 confirm we’ve gotten the worst behind us.
Solana and Cardano boast strong fundamentals for more conservative crypto portfolios. SOL’s technology can support the $230-$300 range by year-end, while Cardano’s research-driven development can support $1.20-$1.50.
However, the real asymmetric trade is found in earlier-stage projects solving actual problems. DeepSnitch AI is currently priced at $0.01877 during Stage 2 of its presale. This price won’t last as it’s only part of 15 stages before DeepSnitch AI lists on exchanges. Over $402,482 has been raised so far, as this is one of many undervalued altcoins ready to surge once the AI agents run on Telegram, providing utility for both whales and retail traders looking to resolve their information asymmetry issues.

DeepSnitch AI, Solana, and Cardano are positioned well after the historical liquidation event last week. DeepSnitch has the most significant potential given its Stage 2 presale pricing at $0.01877, while SOL and ADA are also great plays given solid fundamentals.
The $19.13 billion liquidation event flushed out excessive leverage from markets and reset risk. History has shown that these capitulation events are often the best time to buy, especially for crypto with 100x potential that solves real problems. Early-stage plays with established utilities and relatively small market caps after massive corrections typically provide the best returns.
The market is already in a good place as fear indicators have stabilized and major tokens have recovered. Now is the best time for early-stage crypto projects like DeepSnitch AI launching in 2025 with working utility and small market cap valuations, as those who address information asymmetry gaps can capture exponential gains.
Disclaimer: This media platform provides the content of this article on an “as-is” basis, without any warranties or representations of any kind, express or implied. We assume no responsibility for any inaccuracies, errors, or omissions. We do not assume any responsibility or liability for the accuracy, content, images, videos, licenses, completeness, legality, or reliability of the information presented herein. Any concerns, complaints, or copyright issues related to this article should be directed to the content provider mentioned above.

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The GENIUS Act is spurring boom in crypto rewards – American Banker

A more crypto-friendly government is driving wider  uses for digital assets, and that includes incentive marketing. 
Fold, a publicly traded Bitcoin financial services company founded in 2019, late last month said it was partnering with Visa and Stripe to start offering a credit card that pays up to 3.5% in Bitcoin rewards on purchases. Cardholders earn an unlimited 2% back instantly, plus up to 1.5% back when they pay off purchases using their Fold checking account, according to Fold. Stripe will issue the card, and Visa will serve as the network. 
The card had about 75,000 consumers on its waitlist at launch. 
“The Stripe announcement signals a level of adoption and open embrace of Bitcoin in a way that I would say wasn’t around back in 2019,” Fold Chairman, CEO and Founder Will Reeves told American Banker. 
Credit cards that pay rewards in cryptocurrencies are nothing new, but they are gaining popularity. PayPal-owned Venmo first began allowing consumers to automatically purchase crypto with the cash back they received on purchases in 2021, and cryptocurrency exchange Gemini launched a co-branded Mastercard to provide crypto rewards linked to spend on its credit card in 2022. American Express and Coinbase also teamed up in June of this year to launch a co-branded credit card with crypto rewards. 
More credit cards offering rewards paid out in cryptocurrency are also on the horizon, a trend that is gaining more momentum as some of the countries largest credit card issuers such as American Express and JPMorganChase revamp their premium, flagship credit card rewards offerings. 
The rewards are paid out like any other credit card with a cash-back reward, Reeves said. The customer swipes their card, Visa recognizes the transaction on the Visa network and remits interchange to Fold, which Fold then uses to purchase Bitcoin from the open market or from its roughly $160 billion of Bitcoin reserves on its balance sheet before turning over the Bitcoin to the customer. 
“The customer is now fully exposed to the volatility of Bitcoin,” Reeves said. Afterward, customers can convert the Bitcoin back to dollars or withdraw it to another Bitcoin wallet.
For Fold, offering Bitcoin as a reward on credit card spend is about more than just swapping the reward, it changes the underlying business model of rewards programs, Reeves said. 
“Its a phase shift,” Reeves said. “At the bedrock of rewards programs are two concepts: Breakage [unredeemed rewards] and the idea that those rewards can be devalued over time. That cannot happen when you’re delivering someone Bitcoin. We are unable to inflate Bitcoin. We don’t have any way to grab Bitcoin.” 
Bitcoin rewards also align Fold’s incentives with its customers. 
“Our job is to make that customer as wealthy as possible, have as much purchasing power as possible, because that will flow to us,” Reeves said. “Traditional reward programs are exactly the opposite: How can I get [customers] a very high reward immediately that they perceive as very valuable and then devalue it over time?” 
New stablecoins applications in rewards payouts also have the potential to change traditional credit card reward models, said Lin Dai, CEO and founder of Superlogic, a blockchain-powered loyalty and commerce platform that has investments ffrom Amex Ventures, the venture capital arm of American Express. Dai is also the co-founder of Spree Finance, a blockchain-native commerce and credit infrastructure layer.
Normally, loyalty points paid out to customers are considered liabilities on a company’s balance sheet. For example, if 100 points are redeemable for $1 worth of service or product on that company’s platform, then the company providing the reward points would need to keep that value as a liability on their balance sheet. There’s also margin funded rewards, where the issuer of the reward point negotiates a deal with different merchants to allow consumers to spend those points for the merchants’ goods or services. 
As rewards points get more popular – especially rewards points linked to airlines – companies need to find new distribution channels to let customers spend their rewards points when the demand for their product or service being redeemed exceeds their supply. 
Stablecoins are changing this dichotomy, Dai said, which is why he co-founded Spree Finance, a blockchain powered loyalty protocol that uses an on-chain, fully-backed stablepoints system that’s backed by U.S.-dollar denominated stablecoins. Generally, 100 points will equal one stablecoin. 
“Those stablecoins are now basically locked in an on-chain contract that’s collateralized by those actual, real dollars,” Dai said. “That opens up a whole variety of opportunities for banks and program owners to actually now generate yield or deploy those USD stablecoins into a blockchain financial system. And the consumer knows their points are not going to lose value because there’s a dollar backing every 100 points.” 
Rewards collateralized to stablecoins also makes it easier for consumers to spend their points at other merchants because the points are actually pegged to real currency, Dai said. 
Spree Finance can use any stablecoin, but currently uses Circles USDC. 
Stablecoins are also being used to pay out consumers for participating in marketing campaign efforts. EarnOS, a startup that provides a decentralized marketing platform, is using stablecoins to pay consumers for participating in marketing campaigns offered by companies, which it calls “missions.” 
“What we’re trying to do is build a matchmaking service that makes sure that the right brands find the right people that are valuable to that brand, and then that brand rewards that person for being valuable,” EarnOS founder Phil George told American Banker. “We’re just facilitating the assignment, verification and reward of those tasks, and we facilitate the distribution channel so that we can help brands reach new audiences, tell new stories and have new engagements.” 
Customers complete tasks, such as following a company on social media. EarnOS verifies that the task was completed, then pays out the reward to the customer on a virtual card that the customer can use to spend anywhere. 
EarnOS currently uses Circle’s stablecoin, but is in the process of spinning up its own stablecoin issued by Bridge, a stablecoin platform Stripe acquired in February. 
“Now, companies like EarnOS can issue their own stable coin backed by Stripe and it’s denominated as our own stablecoin,” George said. “That means that we can actually offer a savings product to the users where they earn 5% on their money through the Bridge product suite natively in the app.” 
The megabank’s third-quarter net income rose 16% year over year, reflecting higher revenues across all five business lines.
Goldman enjoyed solid growth to both its net income and earnings per share in the third quarter. The Wall Street giant credited a generally brightening economic backdrop.
Credit cards that pay rewards in cryptocurrencies are nothing new, but the GENIUS Act has opened the door for new incentive programs.
The $4.6 trillion-asset company’s report comes after it committed to funneling $1.5 trillion into industries it said were important to national security.
Firms like Brex and Ramp are adding new tech faster than legacy banks, according to payment experts.
The Office of Management and Budget issued reduction in force notices to Treasury staff working in the Community Development Financial Institution office Friday, saying that the layoffs are necessary to “implement the abolishment” of the fund.
The 10 most groundbreaking tech projects and bank-fintech partnerships that are moving financial services forward

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XRP ETF Hopes Fuel Price Surge — After Weekend Jitters, Analysts Say XRP Could Reclaim Spot Among Best Altcoins – Crypto Economy

HomeCrypto PresalesXRP ETF Hopes Fuel Price Surge — After Weekend Jitters, Analysts Say XRP Could Reclaim Spot Among Best Altcoins
After a volatile weekend, Ripple has faced a strong rebound and increased market optimism. It all started with negative movements in the previous week, with the $XRP price dropping by 15%. But Ripple quickly rebounded, surging by 7.85% in the last 24 hours. 
The rebound happened due to renewed hopes for a spot XRP ETF approval. The latest news suggests that the SEC will decide on six XRP ETF applications, including Grayscale and WisdomTree, from October 18th to 24th. The news led many to think Ripple could reclaim its position on the list of the top 10 best altcoins. 
Ripple’s price surge led to increased market optimism, which translated into presales like Bitcoin Hyper and Maxi Doge, which are also getting attention. Projects like these could benefit from a Ripple effect if institutional money shifts to regulated altcoins.
Here is more.
As mentioned, an increased traction around spot XRP ETF filings is the primary catalyst for the Ripple price surge. Analysts believe that XRP ETF approval would unlock fresh institutional inflows, tighten supply, and push XRP price higher. 
The approval would mean a complete new start for Ripple. Once institutions begin competing for real tokens, Ripple could face a massive supply-driven price movement. Futures ETFs could never produce similar gains despite their early success.
Support for this thesis lies in the data. The global ETF market has had a record inflow of $5.95 billion in the week ending October 4, 2025. Approximately $219.4 million flowed into XRP products. Analysts expect a 40% $XRP rally due to ETF-related momentum. 
The Ripple price predictions now suggest a possible $4.5 price if the XRP ETF finally gets approval. Another, more positive estimates say that Ripple could reach $50 if its ETFs reach $10 billion in inflows. Still, critics say that XRP’s price has been rangebound recently, trading in a narrow band between $2.05 and $2.33. According to them, there is no space for massive growth outside those boundaries. 
Despite that, XRP’s recent move above previous resistance levels is being framed by some as the start of a new leg. If the current momentum holds, $XRP could reclaim its spot among the best altcoins.
XRP’s resurgence has sparked a wave of optimism in the entire crypto market. As XRP ETF optimism spreads, investors are looking for the next big crypto that could mirror Ripple’s rise. And among the main contenders are Bitcoin Hyper and Maxi Doge, two presales analysts believe could be the next best altcoins.
Bitcoin Hyper is emerging in presale circles as the best altcoin with utility in 2025. As a Bitcoin Layer 2, $HYPER aims to overcome Bitcoin’s limitations with access to DeFi, dApps, and staking, low-cost and fast transactions.
In a scenario where institutions begin allocating funds to assets like ETFs, presales tend to benefit from the capital overflow. As regulated instruments (like spot XRP ETFs) legitimize crypto exposure, investors will look for the best cryptos to buy with massive potential. And Bitcoin Hyper is the kind of project investors keep an eye on as a potential best altcoin on the market.
Its presale has raised over $23.5 million in funding. All presale buyers can stake their coins for 50% APY, so act now to secure passive income and buy $HYPER at the best price.
Maxi Doge, one of the best meme coin releases of 2025, is attracting attention thanks to its combination of dog-themed branding and utility. Claiming to be the next Dogecoin, $MAXI offers 85% staking APY and rewards for top ROI hunters in the $MAXI contests. This crypto also plans to organize gamified tournaments in the future.
As the market sentiment warms thanks to the XRP ETF news, retail investors often turn to high-potential ROI projects. In that context, Maxi Doge is one of the best picks. Its meme virality and upside potential could bring 814% returns in 2025. Moreover, the renewed enthusiasm toward best altcoins like XRP could spill over and help projects like $MAXI gain momentum.
If you want to invest, act before the upcoming price increase. Maxi Doge presale has raised over 3.5 million in funding, and the next presale stage starts soon.
The Ripple resurgence, fueled by the positive XRP ETF news after a shaky weekend, holds real potential to reshape capital flows in the altcoin space. If Ripple reclaims its position among the best altcoins, it could cause a capital rotation into presales like Bitcoin Hyper and Maxi Doge.
As institutions increase their interest in the crypto market, the spotlight will be on the best altcoins to buy now for 100x gains. And Bitcoin Hyper and Maxi Doge are exactly that type of project, thanks to their utility, unique branding, and price potential. The best thing is that you can invest in both projects on presale and secure high gains.
This article contains information about a cryptocurrency presale. Crypto Economy is not associated with the project. As with any initiative within the crypto ecosystem, we encourage users to do their own research before participating, carefully considering both the potential and the risks involved. This content is for informational purposes only and does not constitute investment advice.
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One Dallas Cafe Has Banned the Awkward Tip Flip, While A Sweet Shop Dances Around It – Dallas Observer

Top 100 Bars: Our Annual List of the Best Bars in Dallas, Ranked
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Do you feel like you’re tipping too much? If so, you’re not unlike most Americans. 
In November 2023, the Pew Research Center surveyed 12,000 adults, finding that 72% felt that they were being asked to tip in more places than they were five years ago. 
Stephen Barth, a hospitality law professor at the University of Houston, commented on the impact of post-COVID in the university’s online magazine.
“People became very generous during COVID,” Barth told the school magazine. “During COVID, more places expanded the tipping model, and that trend has continued post-COVID.”

There’s an obvious, hyper-American irony to be found here: As a result of the most devastating economic and social event in recent history, we came out on the other side being asked to pay even more. 
It’s a trend that local business owners are privy to as well. Adam Lowes, along with his brother Mark, is the founder and owner of LDU Coffee. The Australian-born entrepreneurs have quickly grown LDU into one of the city’s most popular coffee destinations, with six locations across Dallas since opening in 2017.
“I think it was something that so many quick service businesses, coffee and others, turned on in COVID,” Adam Lowes says. “I don’t think if you go back to 2018 that it was kind of a normal thing.”
LDU Coffee locations do not prompt for tips at the register. There’s an official store Venmo account if you so insist, but nothing is ever prompted or beckoned by the barista, besides a casual conversation. That sort of laid-back flow of service is almost as much part of LDU’s brand as its fantastic coffee, both of which are especially noticeable in comparison to some of their local coffee shop peers. 
“We were always under the impression that quick service is not something that is of a tip expectation from an American consumer,” Lowes says. “In the last five years, people are trying to make everything the tip expectation. But as far as we understand and as far as we do it, it should be the employer’s responsibility in a counter service establishment to maintain the wages of the employee.”
Anecdotally, Lowes says that his shops’ not asking for tips has been mentioned to him more often lately, as it seems American consumers are growing tired of the constant tipping culture. 
“I want us to know all our customers by name,” Lowes says. “We see most people every day, and that is not necessarily a repetitive transaction that someone wants to have every day, especially when some customers feel a lot of guilt attached to that kind of screen flipping.”
An August study by Talker Research found that “guilt tipping” has gone down significantly in 2025 compared to 2024. In a study of 2,000 people, research found that the amount of money people tip “under pressure” has gone down from $37.80 per month in 2024 to $23.60 per month in 2025. By year, it’s gone down from $453.60 to $283.20. Plus, research found that customers felt they had guilt-tipped about 4.2 times per month this year, down from 6.3 times last year. 
As customers seem to be growing tired of the dreaded tablet flipping, employees of these establishments are also getting frustrated. 
“The staff don’t like it,” Lowes says. “They find ways to ask the question, but they don’t really ask it. It’s got this really awkward energy about it.”
Whether as employees or customers, we’ve probably all done the dance around tipping at least once. You’ll hear things like “it’s going to ask you a quick question” or “it just needs a signature,” but we all know what it really means. 
“I think I’ve got great staff and I think our products are awesome,” Lowes says. “But I also think that kind of ease of that daily interaction with us does contribute to our success.”
Sergio Zamora is a barista at LDU’s White Rock location, but has previously worked as a barista at shops that accept tips. To him, the contrast is glaring.
“It’s hard not to notice the difference in terms of service and workflow,” he says. “There’s definitely a bigger focus here about being forward-facing. It’s more than just handing off a drink. It’s building a community with people that come in, coffee is just the bridge for that.”
Zamora says that he prefers LDU’s style to the more transactional nature of shops that request a tip with each service. 
“That focus on hospitality is something that I grew up with,” Zamora says. “It just feels kind of natural. You can be yourself and get to know the customers.”
The same goes for his experience on the other side of the counter.
“It’s a little bit of a letdown when I go somewhere and I can sense someone is a little frantic,” he says.
But ultimately, tip or not, a job is a job and Zamora, like his coworkers, is there to get paid. He acknowledges that at times, he made more money at shops that do accept tips, but that the stability of LDU’s base pay, which starts at $15 for day one employees, makes life a bit easier.
“You know what you’re gonna get each pay cycle,” Zamora notes.
Natalie Villegas knows all about the hustle and bustle of the service industry. They currently work two serving jobs, at Jinya ramen bar and at Thai Square, where the base pay remains low and tipping is the name of the game. 
“I’ve never felt awkward about it,” Villegas says. “I feel like everyone understands the position as the server.”
Villegas says that the base pay at their jobs is $2.13 an hour plus tips, forcing servers to be highly dependent on tips from customers. Villegas calls it “a necessity to pay for my life.”
They previously worked at Flying Squirrel, a Denton-based coffee shop that permanently closed in 2022 after the death of its founder, Adam Hasley. At the shop, a 20% gratuity was included for each drink, and Villegas says that it was never a big issue among customers. But in 2025, what could an employer do to keep employees like Villegas around without offering the possibility of tips?
“For a restaurant, it would have to be $20 an hour to make the equivalent,” Villegas says. “There’s good days and there’s bad days, if you want to keep somebody, $20 an hour would be enough.”
Amy Broad of JD’s Chippery finds herself in this exact dilemma. The Broad family has operated the Snider Plaza bakery since 1983. For 41 years, tips were not accepted at the shop until Broad couldn’t find employees who would stay at a place that didn’t. 
“We had to shift our policy,” Broad says. “Not because we wanted to, but because the labor market changed. We found that in order to attract and retain quality staff in food and beverage, we had to stay competitive with other businesses offering similar wages plus tips.”
The policy change came with two strict rules: 1. Employees are not to prompt or linger at the register in front of customers, and 2. Children are not allowed to tip. Broad says that if a child paying was prompted to tip, JD’s Chippery would no longer accept tips. 
“Allowing tips has helped us attract team members who genuinely enjoy customer service and engaging with people,” Broad says. “It’s no longer just about filling a role; it’s about finding the right fit, and tipping can be a deciding factor for those who take pride in delivering great service and being recognized for it.”
Now, registers at JD’s Chippery offer preset tipping options of 5%, 10% and 15% for orders over $25, or $1, $2 or $3 for smaller ones. 
“In a bakery setting, where average check sizes are smaller, a tip of 5% or even $1 or $2 is a meaningful show of gratitude,” Broad says. “On the other hand, I don’t believe 20% tips are appropriate in this context. It feels disproportionate and doesn’t align with the type of service being provided.”
Even with customers and employers alike growing increasingly fatigued by modern tipping culture, we’re not expecting it to change anytime soon. Unfortunately, most employers just can’t afford to stay open without it, so the responsibility falls on the consumer, just like everything else seems to.
“At the end of the day, we pride ourselves on providing joy and great service, whether someone tips or not,” Broad says. “That’s our standard, not a transaction.”
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Simon Pruitt is a staff writer for the Dallas Observer. He’s been writing professionally since he was 16, covering art, sports and all the peculiar things he finds along the way.
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