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How Traders Use the Public Ledger as a Tool
Okay, so you get it. The public ledger is a shared, immutable database—a "digital notebook" that gives cryptocurrencies like Bitcoin their security and transparency. That's a great starting point, but for an investor or trader looking for an edge, it's just that: a start.
The real power comes from understanding the ledger not just as a database, but as a source of market intelligence.
If you're ready to go a level deeper, this guide is for you. We'll move past the basic definition and explore how the ledger actually works, its different forms, and most importantly, how you can use its data to inform your trading strategy.
From Notebook to Fortress: How the Ledger Really Works
Let's quickly upgrade the "notebook" analogy. The public ledger's integrity isn't based on magic; it's based on two core concepts:
- Cryptographic Hashing (The "Wax Seal"): Every block of transactions is run through a mathematical function called a "hash," creating a unique, fixed-length code—like a digital fingerprint. Crucially, the hash of each new block also includes the hash of the block before it.
- The Chain (The "Linked Chain"): This process of including the previous block's hash creates an unbreakable, interlocking chain. If a single detail in an old block is altered, its hash would change, breaking the entire chain from that point forward. This is what makes the ledger "immutable."
A consensus mechanism (like Proof-of-Work or Proof-of-Stake) is simply the set of rules the network uses to agree on which new, valid block gets added to the chain.
Not All Ledgers Are Created Equal: Public vs. Permissioned
Another key concept to grasp is that the "public" in public ledger is just one option. The underlying technology can be configured in different ways for different use cases.
Understanding this distinction is key. When you trade on BYDFi, you are primarily interacting with assets built on public ledgers, whose value is derived from their open and decentralized nature.
The Trader's Edge: Using the Public Ledger for On-Chain Analysis
This is where theory turns into a powerful trading tool. Since a public ledger is transparent, we can analyze its data in real-time. This is called On-Chain Analysis.
Instead of relying only on price charts, you can look directly at the economic activity happening on the blockchain. Here are a few things an intermediate trader should be watching:
- Exchange Inflows/Outflows: Are large amounts of Bitcoin moving to exchanges? This could signal that "whales" are preparing to sell (potential bearish signal). Are they moving off exchanges into private wallets? This could suggest accumulation for long-term holding (potential bullish signal).
- Transaction Volume & Size: Is the network settling a high volume of large transactions? This indicates significant institutional or "smart money" interest.
- Active Addresses: Is the number of unique addresses sending or receiving a specific crypto growing? A rising number of active addresses suggests growing network adoption and health.
You can use free on-chain data tools like Glassnode or IntoTheBlock to explore this data. It provides a layer of fundamental analysis that is impossible in traditional markets.
Putting Your Analysis into Action
The public ledger is far more than a simple record book; it's a living map of market activity. By learning to read this map, you can gain insights that aren't visible on a standard price chart.
When your on-chain analysis reveals a potential market shift, you need a platform with the speed and liquidity to act on it.
Want to apply this deeper understanding? Access the high-liquidity spot markets on BYDFi to act on your analysis with precision.
2025-08-15 · 4 months ago0 0284TON Token 2025: Why Telegram’s Blockchain Might Be Bigger Than You Think
How I Stumbled Upon Telegram Open Network—and Why It Got Me Hooked
I’ll admit it—I was scrolling through my Telegram groups when I first heard about the “Telegram Open Network” or TON. At first, I thought, “Wait, didn’t Telegram scrap this project years ago?” But then, more and more people started buzzing about Telegram Open Network news and Toncoin’s price spikes. Naturally, I had to find out what was going on.
If you’re wondering about TON too—what it is, why it’s back in the headlines, and whether it’s worth your attention—keep reading. I’ve broken down everything you need to know in plain English.
So, What Exactly Is Telegram Open Network?
TON is a blockchain platform originally developed by Telegram, designed to be super fast and scalable. The goal? To create a blockchain that could handle everything from payments and decentralized apps to NFTs—all integrated with the Telegram ecosystem.
Although Telegram had to step away due to regulatory issues, the project didn’t die. The community took over, and TON has been growing steadily ever since. You can check out all the latest updates on the official Telegram Open Network website.
Why Is TON Suddenly Making Headlines Again?
If you’ve seen headlines about Telegram Open Network price surging or new partnerships popping up, you’re not imagining things. Here’s why TON is back in the spotlight:
- Toncoin’s Price Surge: The native token, Toncoin, has been gaining traction and catching traders’ attention.
- Growing Ecosystem: New apps, wallets, and NFT projects are launching on TON, making it more useful.
- Telegram Integration Hints: There’s talk of deeper connections between TON and Telegram’s messaging app—imagine millions of users getting easy access to blockchain tech.
- Active Community: The open-source community is buzzing, pushing TON forward with fresh ideas and developments.
Thinking About Buying Toncoin? Here’s What You Should Know
Before you jump in, here are some quick facts:
- Toncoin is the currency powering the TON blockchain.
- Like all cryptocurrencies, its price can be volatile—so only invest what you’re willing to lose.
- Always use official sources like the Telegram Open Network website for the latest info and wallet downloads.
What I Learned from Following TON’s Comeback
- Don’t count out projects just because they had a rocky start—TON’s revival shows resilience matters.
- Stay updated on news and price changes to spot opportunities early.
- Always do your own research (DYOR) before investing in any crypto.
Final Thoughts: Could TON Be Your Next Crypto Win?
If you’ve been curious about TON or the Telegram Open Network, now’s a great time to keep an eye on it. The project is evolving fast, and with its unique link to Telegram’s massive user base, it could be a game-changer.
Want to stay in the loop on TON and other crypto trends? Subscribe for easy-to-understand updates and tips!
2025-06-17 · 6 months ago0 0284Smart Financing Solutions for Your Small Business Growth
Why Business Financing Matters for Small Businesses
Starting or scaling a business requires capital—whether it’s for inventory, hiring, marketing, or expanding operations. Without proper funding, even the best ideas can stall. But with so many business financing options available, how do you choose the right one? The key is understanding your business needs, financial situation, and the trade-offs of each option. This guide is designed to address your pain points, answer questions like how to finance a small business, and provide actionable insights to help you grow without breaking the bank.
Key Business Financing Options to Explore
Let’s break down the most popular small business financing options to help you decide which one suits your needs. From traditional loans to modern crowdfunding platforms, there’s something for every entrepreneur.
1. Traditional Bank Loans: The Tried-and-True Option
Bank loans are a go-to for many small business owners due to their reliability and structured repayment plans. They’re ideal for businesses with strong credit histories and consistent revenue.
Pros: Competitive interest rates, predictable payments, and large loan amounts (up to $5 million in the U.S. through SBA loans).
Cons: Strict eligibility criteria, lengthy application processes, and collateral requirements.
Best for: Established businesses in the U.S. or UK looking for significant capital to expand.
Pro Tip: Check with local banks or credit unions for region-specific loans, as terms can vary by country (e.g., SBA loans in the U.S. or Start Up Loans in the UK).
2. SBA Loans: A Lifeline for U.S. Entrepreneurs
For U.S.-based businesses, Small Business Administration (SBA) loans are a game-changer. These government-backed loans offer low interest rates and flexible terms.
Key Features: Loan amounts range from $500 to $5.5 million, with repayment terms up to 25 years.
Eligibility: Requires a solid business plan, good credit (typically 680+), and at least two years in business.
Best for: Entrepreneurs asking how to get finance for a new business with limited credit history but a strong vision.Did You Know? SBA loans can cover everything from real estate to working capital, making them versatile for growing businesses.
3. Online Lenders: Fast and Flexible Financing
Online lenders like Kabbage, OnDeck, or Funding Circle offer quick access to funds, often within 24–48 hours. These are perfect for businesses needing immediate cash flow.
Pros: Fast approvals, less stringent credit requirements, and flexible terms.
Cons: Higher interest rates (sometimes 20–99% APR) and shorter repayment periods.
Best for: Businesses needing quick funds for short-term needs, like inventory or marketing campaigns.
Currency Note: If you’re operating in the UK, platforms like Funding Circle offer loans in GBP, while U.S. platforms use USD. Always check currency compatibility to avoid exchange rate losses
4. Crowdfunding: Turn Your Community into Investors
Crowdfunding platforms like Kickstarter and Indiegogo allow you to raise funds by pitching your business idea to the public. This is a fantastic option for startups with a compelling story.
1- Types: Reward-based (offer products/services) or equity-based (offer company shares).
2- Pros: No debt, direct customer engagement, and validation of your idea.
3- Cons: Requires strong marketing skills and may not raise large sums.
4- Best for: Creative entrepreneurs or product-based startups.
Example: A UK-based artisanal coffee brand raised £50,000 through Crowdcube to open a new café, proving crowdfunding’s potential for small businesses.
5. Angel Investors and Venture Capital: High Stakes, High Rewards
If you’re aiming for rapid growth, angel investors or venture capitalists can provide substantial funding in exchange for equity.
1- Pros: Large investments (often $100,000–$2 million), mentorship, and industry connections.
2- Cons: Loss of control, intense pressure to scale, and complex negotiations.
3- Best for: Tech startups or high-growth businesses with a scalable model.
Country Context: In the U.S., Silicon Valley is a hub for VC funding, while London’s tech scene is a hotspot for UK-based startups.
6. Business Credit Cards: Quick Cash for Small Expenses
Business credit cards are a convenient way to cover short-term expenses like travel, office supplies, or marketing.
1- Pros: Easy to obtain, rewards programs, and builds business credit.
2- Cons: High interest rates (15–25% APR) if balances aren’t paid off monthly.
3- Best for: Managing cash flow gaps or covering small, recurring costs.
Pro Tip: Look for cards with 0% introductory APR offers to save on interest for the first 12–18 months.
7. Grants: Free Money for Your Business
Grants are essentially free money from governments, nonprofits, or corporations. They’re highly competitive but worth exploring.
1- Examples: In the U.S., check out Grants.gov or the SBIR program. In the UK, Innovate UK offers funding for innovative businesses.
2- Pros: No repayment required, boosts credibility.
3- Cons: Time-consuming applications and strict eligibility.
4- Best for: Minority-owned, women-owned, or innovative businesses.
How to Choose the Right Financing Option for Your Small Business
Assess Your Needs: How much capital do you need? Is it for short-term expenses (e.g., inventory) or long-term growth (e.g., equipment)?
Evaluate Your Credit: Strong credit (680+) opens doors to better terms, while lower scores may limit you to online lenders or crowdfunding.
Consider Your Timeline: Need funds fast? Online lenders or credit cards are quicker than bank loans or grants.
Understand Costs: Compare interest rates, fees, and equity stakes to avoid overpaying.
Align with Goals: Are you scaling rapidly or stabilizing cash flow? Match the financing to your business stage.
Example Scenario: A U.S.-based bakery owner with a 700 credit score might opt for an SBA loan to buy new equipment, while a UK freelancer needing quick cash might choose an online lender for flexibility.
Conclusion: Take Control of Your Business’s Future
Securing business financing doesn’t have to be overwhelming. By understanding the financing options for small businesses, you can make informed decisions that propel your company forward. Whether you’re exploring how to finance a small business with a bank loan or tapping into crowdfunding to engage your community, the right choice depends on your unique needs and goals. Start small, think big, and take action today to unlock the funds that will transform your business!
2025-07-24 · 4 months ago0 0283The Ultimate Bilt Rent Guide: Instant Approval Cards & Free Points
What Is Bilt? The Rent Rewards Revolution
Bilt Rewards is a loyalty program designed specifically for renters, allowing you to get points for paying rent without the pesky 2-3% transaction fees typically charged by landlords or payment platforms. Launched in 2021, Bilt made waves by offering a no-annual-fee Bilt World Elite Mastercard® that lets you earn 1 point per dollar on rent payments (up to 100,000 points per year) when you make at least five transactions per billing cycle.
But here’s the kicker: you don’t even need the Bilt Mastercard to start earning. By joining the free Bilt Rewards program, you can pay rent through the Bilt app and earn a flat 250 points per month, though the real rewards come with the card.
Whether your landlord accepts credit cards or prefers checks, Bilt’s innovative BillPay feature ensures you can pay rent and earn points seamlessly by generating a unique routing and account number or mailing a check on your behalf.
Beyond rent, Bilt lets you earn points on dining (3x points), travel (2x points), and even Lyft rides (5x points when linked). These points are incredibly flexible, redeemable for travel with major airlines and hotels, Amazon purchases, fitness classes, or even toward a future home down payment. With partnerships like United Airlines, Hyatt, and Southwest Rapid Rewards, Bilt points are valued at around 2.05 cents each, making them a powerful currency for savvy spenders.
Why Bilt Stands Out for Renters
Paying rent is often a financial dead-end—no rewards, no benefits, just a big chunk of your income gone. Bilt flips this on its head. Here’s why it’s a game-changer:
1- No Transaction Fees on Rent Payments: Unlike other credit cards that incur a 2-3% fee when paying rent, the Bilt Mastercard lets you earn rewards for paying rent without extra costs. This is huge for renters spending $1,500-$3,000 monthly, as it turns a fixed expense into a rewards-generating opportunity.
2- Instant Approval Credit Cards: The Bilt Mastercard is issued by Wells Fargo and is accessible to many with decent credit. While it requires a credit check, the application process is straightforward, and approval can be quick for qualified applicants. No annual fee sweetens the deal.
3- Build Credit While Paying Rent: Bilt reports on-time rent payments to all three major credit bureaus (Experian, Equifax, TransUnion) for free, helping you boost your credit score. This is especially valuable for renters in Bilt Rewards Alliance properties (over 4 million units across the U.S.).
4- Flexible Redemption Options: From booking flights with American Airlines to redeeming points for SoulCycle classes or Amazon purchases, Bilt points offer unmatched flexibility. You can even use points to pay future rent or save for a home down payment (1.5 cents per point).
5- Rent Day Bonuses: On the first of every month, Bilt’s “Rent Day” promotion doubles your points on non-rent purchases (6x on dining, 4x on travel), making it the perfect time to maximize rewards.
Is Bilt Available in Canada?
For our neighbors up north wondering, “Is Bilt available in Canada?”—the answer, unfortunately, is no, not yet. Bilt Rewards is currently limited to the United States, with its Bilt Rewards Alliance covering over 4 million rental properties across the country. There’s no official word on Canadian expansion, but given Bilt’s rapid growth—processing $50 billion in annual rent payments and aiming for $1 billion in annual recurring revenue by Q1 2026—it’s not far-fetched to hope for future international availability.
For now, Canadian renters can explore similar rewards programs or check if their existing credit cards offer points on rent payments, though fees may apply. Stay tuned to Bilt’s official channels for updates on global expansion.
How to Start Earning Rewards for Paying Rent
Ready to get points for paying rent? Here’s a step-by-step guide to get started with Bilt:
1- Sign Up for Bilt Rewards: Download the Bilt app (available on iOS and Android) or visit biltrewards.com to create a free account. No credit card is required to join the loyalty program.
2- Check for Bilt Rewards Alliance: In the app, enter your address to see if your property is part of the Bilt Rewards Alliance. If it is, you can pay rent directly through the app. If not, Bilt’s BillPay feature lets you pay via check, ACH, or even Venmo, earning points regardless of your landlord’s payment preferences.
3- Apply for the Bilt Mastercard: For maximum rewards, apply for the no-annual-fee Bilt Mastercard. You’ll need to make at least five transactions per billing cycle to earn 1 point per dollar on rent (up to 100,000 points annually). Without the card, you’ll earn a flat 250 points per rent payment.
4- Link Your Accounts: Connect your Bilt account to partners like Lyft or dining programs to stack rewards. You can also link non-Bilt credit cards (Visa, Mastercard, Discover) to earn 1 point per dollar on rent, though a 3% fee applies after July 21, 2025.
5- Redeem Your Points: Use points for travel, dining, fitness, or even rent credits. For the best value, transfer points 1:1 to partners like Hyatt or United Airlines.
Is Bilt Worth It? A Commercial Perspective
For renters, the Bilt Rewards program is a no-brainer if you want to get points for paying rent without fees. The ability to earn up to 100,000 points annually with the Bilt Mastercard can translate to $2,000+ in value (based on 2.05 cents per point), especially if you redeem for travel. Even without the card, the free program offers 250 points per rent payment, which is better than nothing.
However, there are a few caveats:
- You must use the Bilt Mastercard at least five times per billing cycle to unlock full rewards. Otherwise, you’re capped at 250 points per rent payment.
- Non-Bilt credit cards incur a 3% fee for rent payments, which may outweigh the rewards unless you’re chasing a big sign-up bonus.
- If you don’t rent or your landlord doesn’t accept digital payments, the program’s value diminishes.
- For those who rent and want to maximize their spending, Bilt is a top contender among instant approval credit cards with unique benefits tailored to renters. Pair it with strategic spending on Rent Day, and you could be jetting off on a free vacation or slashing your next rent bill in no time.
Final Thoughts: Should You Join Bilt Rewards?
Bilt Rewards is a groundbreaking way to turn your rent—an expense you’re already paying—into a source of valuable rewards. With no transaction fees on rent payments, a no-annual-fee credit card, and a robust loyalty program, it’s a win for renters looking to earn rewards for paying rent. While it’s not yet available in Canada, U.S. renters can start earning points today and unlock a world of travel, dining, and financial perks.
Ready to transform your rent into rewards? Sign up for Bilt Rewards at biltrewards.com or download the app to explore how you can get points for paying rent. Have questions or experiences with Bilt? Drop them in the comments below, and let’s keep the conversation going!
You can visit the BYDFi platform to learn more about investments and successful ways to live a successful life.
2025-07-07 · 5 months ago0 0282Why the Hashdex Bitcoin Futures ETF Is the Hottest Crypto Investment Today!
The world of cryptocurrency investing is buzzing, and the Hashdex Bitcoin Futures ETF (DEFI) is stealing the spotlight. If you’re wondering, “What is happening with Hashdex Bitcoin Futures ETF stock today?” you’re not alone. Investors are flocking to this exchange-traded fund (ETF) as Bitcoin continues its meteoric rise, hitting new milestones in 2025. In this article, we’ll dive into the latest updates on the Hashdex Bitcoin Futures ETF, explore why it’s trending, and help you decide if it’s the right investment for you.
What Is a Bitcoin Futures ETF?
Before diving into Hashdex specifically, let’s quickly clarify the basics. A Bitcoin Futures ETF is a type of exchange-traded fund that tracks Bitcoin futures contracts instead of the actual spot price of Bitcoin.
That means you're not investing directly in Bitcoin — instead, you're investing in contracts that speculate on its future price.
These ETFs allow investors to gain exposure to Bitcoin without the hassle of wallets, private keys, or exchanges.
They’re also regulated, making them appealing to more conservative or institutional investors.
Some of the popular names in this space include:
- ProShares Bitcoin Strategy ETF (BITO)
- Valkyrie Bitcoin Strategy ETF
- And now, increasingly: Hashdex Bitcoin Futures ETF
Why Is the Hashdex Bitcoin ETF Making Headlines Today?
1 - Bitcoin’s Record-Breaking Run: Bitcoin recently hit an all-time high of $111,000 in May 2025, driven by growing institutional adoption and a crypto-friendly regulatory environment. With Bitcoin trading around $93,081.91 today, down slightly from its peak, investors are eyeing ETFs like Hashdex to capitalize on potential rebounds.
2- Market Sentiment Boost: The crypto market is buzzing with optimism, partly due to President Donald Trump’s announcement of a U.S. strategic cryptocurrency reserve, including Bitcoin, Ethereum, XRP, Solana, and Cardano. This policy shift has sparked renewed interest in crypto ETFs, with Hashdex at the forefront.
3- Global ETF Trends: The Hashdex Bitcoin ETF isn’t just a U.S. phenomenon. Its success in Brazil, where Hashdex launched the world’s first spot XRP ETF, has put the firm on the global stage. Investors are watching Hashdex closely as it expands its crypto offerings, including plans to add altcoins like Solana, XRP, and Cardano to its Nasdaq Crypto Index US ETF
4- Trading Volume Surge: On February 11, 2025, the Hashdex Bitcoin ETF saw a 1.9% price increase, with shares hitting $110.37. While trading volume was lower than average, the price movement signals strong investor interest.
What’s Happening with Hashdex Bitcoin Futures ETF Stock Today?
If you’re searching for real-time updates on the Hashdex Bitcoin Futures ETF, here’s the pulse: The ETF is capitalizing on Bitcoin’s volatility and the broader crypto market’s bullish sentiment.
While specific intraday price movements for June 9, 2025, aren’t fully detailed in available data, the ETF’s recent performance suggests it’s a hot pick for investors.
The fund’s focus on decentralized finance (DeFi) and its low management fee of 0.25% through December 31, 2025, make it an attractive option for cost-conscious investors.
The broader market context also plays a role. Wall Street’s mixed performance, with Tesla’s ups and downs and U.S.-China trade talks, has pushed investors toward alternative assets like Bitcoin ETFs. As traditional markets face uncertainty, the Hashdex Bitcoin ETF offers a hedge against inflation and geopolitical risks.
Should You Invest in the Hashdex Bitcoin ETF?
- Accessibility: It’s traded on the NYSE Arca, making it easy to buy through traditional brokerage accounts.
- Low Fees: The 0.25% management fee is competitive, especially compared to other crypto ETFs.
- Proven Track Record: Hashdex’s success in Latin America and Europe, where it manages the largest multi-asset crypto ETFs, adds credibility.
- However, there are risks to consider:
- Volatility: Bitcoin futures are inherently volatile, and the ETF’s price can swing dramatically.
- Regulatory Uncertainty: While the U.S. has become more crypto-friendly, regulatory changes could impact ETF performance.
- Market Competition: With other Bitcoin ETFs like BlackRock’s iShares Bitcoin Trust (IBIT) gaining traction, Hashdex faces stiff competition.
If you’re weighing a decision, consult a financial advisor to assess your risk tolerance and portfolio goals. The Hashdex Bitcoin ETF is ideal for investors bullish on Bitcoin’s long-term potential but cautious about direct crypto ownership.
How to Stay Updated on Hashdex Bitcoin ETF News
- Monitor Financial News: Check platforms like CoinDesk, BYDFi , and Bloomberg for daily crypto updates.
- Track X Posts: Sentiment on X can provide real-time insights into investor mood.
- Check SEC Filings: Hashdex’s regulatory filings on SEC.gov offer detailed insights into fund changes and performance.
- Use Stock Trackers: Platforms like Yahoo Finance or Investing.com provide real-time price data for the Hashdex Bitcoin ETF (DEFI).
The Future of Hashdex Bitcoin ETF in 2025
The Hashdex Bitcoin Futures ETF is well-positioned for growth as Bitcoin adoption accelerates. With plans to diversify its crypto index ETF to include altcoins and a strong foothold in global markets, Hashdex is a name to watch.
Whether you’re a seasoned investor or new to crypto, this ETF offers a straightforward way to tap into Bitcoin’s potential.
Ready to learn more about trading strategies and crypto safety? Check out BYDFi for beginner tutorials, expert insights .
2025-06-19 · 6 months ago0 0282
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