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For CTOs, CIOs, and enterprise AI leaders, the question has shifted. The debate is no longer about whether AI systems should be customized, but about the most effective way to do it. Should organizations rely on prompt engineering to steer model behavior, or invest in fine-tuning AI models for deeper control?
Building an enterprise AI strategy that scales, remains cost-efficient, and meets compliance requirements depends on understanding the trade-offs between these two approaches.
This article offers a practical, decision-oriented comparison of prompt engineering and fine-tuning, helping enterprises determine the right path based on AI maturity, risk tolerance, and business objectives.
Why Enterprises Need Smarter AI Customization
Most organizations begin their AI journey with off-the-shelf large language models. While powerful, these models often fall short in real enterprise environments.
Typical challenges include:
Inconsistent responses across teams and workflowsLimited domain awareness, especially in regulated or technical sectorsCompliance risks such as hallucinations or policy breachesInsufficient control over tone, structure, and decision logic
At scale, these issues compound quickly. Minor inaccuracies may be acceptable in internal tools, but the same errors in customer-facing or compliance-critical workflows can be costly. As a result, the choice between prompt engineering and fine-tuning directly affects accuracy, reliability, and long-term AI ROI.
Prompt Engineering in the Enterprise Context
Prompt engineering involves crafting structured inputs that guide how a language model understands tasks and generates responses. Rather than altering the model itself, enterprises shape behavior through carefully designed instructions, examples, constraints, and contextual signals.
In enterprise settings, prompt engineering is commonly used to:
Enforce consistent output formatsEmbed business rules and policiesControl tone and role-specific behaviorReduce hallucinations through explicit constraints
Its main advantages are speed, adaptability, and low upfront cost. Teams can iterate quickly, deploy across departments, and adjust behavior without retraining models. For many organizations, prompt engineering is both the first and most effective layer of AI customization.
Fine-Tuning vs Prompt Engineering: A Strategic Comparison
The choice between fine-tuning and prompt engineering is not about superiority, but suitability.
At a high level:
Prompt engineering guides a general-purpose model through instructionsFine-tuning modifies the model itself using domain-specific training data
Prompt engineering excels when flexibility, speed, and experimentation are priorities. Fine-tuning is better suited for scenarios demanding deep domain alignment and highly consistent outputs.
Strategically, prompt engineering favors agility, while fine-tuning emphasizes control. The optimal approach depends on scale, risk exposure, and the organization’s ability to manage long-term AI operations.
Understanding AI Model Fine-Tuning
Fine-tuning retrains a pre-trained model using proprietary or specialized datasets so it behaves consistently in a specific domain.
This process typically includes:
Curating high-quality labeled or semi-labeled dataTraining and validating model variantsMonitoring performance drift over timeManaging versioning and rollback

While fine-tuning can deliver predictable behavior, it requires significant infrastructure, machine learning expertise, and governance. Costs are higher, deployment is slower, and flexibility is reduced. For enterprises, fine-tuning should be viewed as a long-term investment rather than a quick optimization.
Prompt Engineering as a Core Enterprise Strategy
When implemented thoughtfully, prompt engineering becomes a foundational component of enterprise AI strategy rather than a temporary workaround.
Prompts can be version-controlled, standardized, and audited for governance. Different teams can adapt AI behavior without altering the underlying model, enabling scalability while maintaining control. Operationally, prompt engineering supports rapid iteration without retraining costs.
Key strategic benefits include:
Faster deployment cyclesDistributed experimentation with centralized oversightSimple rollback and risk mitigationReduced reliance on specialized ML talent
For most enterprises, prompt engineering is the most practical way to align AI outputs with business logic while preserving flexibility.
Choosing the Right Level of LLM Control
LLM customization exists on a spectrum, from surface-level instruction to deep behavioral modification.
Prompt engineering provides shallow control without changing internal model knowledgeFine-tuning introduces deep control by influencing reasoning patterns and prioritization
Prompt-based control offers transparency and explainability, since the logic is visible in the prompt. Fine-tuned models may be more predictable but are harder to interpret and adjust. From a risk and reliability standpoint, many enterprises benefit from starting with prompt engineering before investing in deeper customization.
Enterprise AI Optimization Approaches
Most organizations use a combination of optimization methods, including:
Prompt optimization through continuous refinement and testingFine-tuning pipelines for stable, high-volume use casesHybrid models where prompts sit on top of fine-tuned systems
Decision-makers must also consider cost, data security, and governance. Prompt engineering limits exposure of sensitive data, while fine-tuning requires careful handling of proprietary datasets. Hybrid approaches can balance benefits but add operational complexity.
When Prompt Engineering Is the Better Choice
#Promptengineering is ideal when enterprises need:
Rapid deploymentInternal productivity tools and copilotsCost-conscious pilots or proofs of conceptEarly-stage AI adoption
In these cases, prompt engineering delivers measurable value without locking organizations into rigid architectures or long-term maintenance burdens.
When Fine-Tuning Becomes Necessary
Fine-tuning is more appropriate when enterprises face:
Strict regulatory or compliance requirementsMission-critical workflows where variation is unacceptableLarge-scale, repetitive tasks requiring stable domain behavior
In such scenarios, reduced flexibility may be an acceptable trade-off for reliability and consistency.
Common Enterprise Pitfalls
Organizations often make avoidable mistakes, such as:
Fine-tuning too early without understanding real usage patternsTreating prompt engineering as a one-time setup instead of an ongoing processNeglecting long-term governance and optimization
These missteps can lead to inflated costs, fragile systems, and underperforming AI solutions.
A Practical Decision Framework
To choose between prompt engineering and fine-tuning, enterprises should evaluate:
Business objectives: speed, precision, or scaleRisk tolerance: acceptable error marginsBudget and timelines: upfront and ongoing costsInternal expertise: engineering versus ML depth
This framework helps align technical choices with strategic priorities.
Looking Ahead
The future of enterprise #Aİ lies in convergence. Prompt engineering and fine-tuning are increasingly combined in modular systems, where prompts drive adaptability and fine-tuning ensures consistent baselines.
As enterprise AI matures, strategy-led adoption will matter more than technical novelty. Organizations that treat prompt engineering as a long-term asset will be better positioned to scale responsibly.
Conclusion
Prompt engineering is not just a tactical tool but a core pillar of modern enterprise AI. It offers speed, control, and flexibility that suit most organizations, particularly in early and mid-stage AI maturity.
Fine-tuning remains valuable but should be reserved for cases driven by regulatory needs, task scale, or strict consistency requirements. By understanding the trade-offs and applying a structured decision framework, enterprises can build AI systems that balance performance with long-term strategic success.
In the fine-tuning versus prompt engineering debate, the smartest enterprises do not pick sides. They choose deliberately.
Disclaimer: #BFMTimes provides information for educational purposes only and does not offer financial advice. Please consult a qualified financial advisor before making investment decisions.

Key Highlights
Cardano has officially entered its Voltaire governance era, placing direct control of a $1.3 billion on-chain treasury into the hands of ADA holders.Major scalability upgrades such as Ouroboros Leios and Hydra are being developed to significantly boost network performance, with long-term goals of reaching up to 10,000 transactions per second.The introduction of the Midnight sidechain adds selective data disclosure, making Cardano far more attractive for enterprise and compliance-focused use cases.What truly sets Cardano apart is its foundation in academic research, with protocol upgrades built through peer-reviewed methodologies rather than rapid experimentation.After years of heavy development, Cardano is now transitioning into a more mature phase. This outlook explores where ADA’s price could land between now and 2030, based on network upgrades, governance success, and broader market conditions.
Price Forecast Snapshot
Current Price Jan 2026 $0.34 - $0.41 Neutral to recoveringShort Term 6 months $0.30 - $0.65 Range boundMid Term 2026-2027 $0.80 - $2.10 Expansion phaseLong Term 2030+ $2.00 - $5.50 Governance driven maturity
Current Market Situation
Cardano has recently shown signs of stabilization, trading between $0.36 and $0.41 at the time of writing. It remains a top ten digital asset with a market capitalization near $14 billion.
The circulating supply sits around 35.9 billion ADA, with roughly 60 percent actively staked. This high staking ratio reflects strong long-term conviction from the community.
Price movement is currently shaped by two key developments: the rollout of Voltaire-era governance features and anticipation around the Midnight sidechain mainnet launch.
While ADA has experienced brief rallies, resistance near $0.45 remains a hurdle. Market participants are also monitoring US Federal Reserve policy signals alongside progress on Ouroboros Leios, which aims to materially improve throughput.
What Is Cardano
Cardano is a proof-of-stake blockchain designed to validate transactions efficiently while minimizing energy consumption. It was built with a focus on security, scalability, and long-term sustainability.
The project is developed using formal methods and peer-reviewed research to ensure each upgrade is thoroughly tested before deployment. This conservative approach prioritizes resilience over rapid iteration.
Cardano supports a growing range of real-world applications, including identity solutions in developing regions and enterprise supply chain systems. Its extended UTXO accounting model allows for greater scalability and predictability compared to many competing blockchains.
Key Factors Influencing ADA Price
One of the most important drivers for Cardano’s future valuation is governance execution. With decision-making now decentralized through Delegated Representatives, successful participation could strengthen investor confidence and reinforce network independence.
Scalability remains another major pillar. The Hydra and Ouroboros Leios upgrades aim to bring Cardano closer to the performance levels of the fastest smart contract platforms.
The Midnight sidechain could also be transformational. By enabling privacy-preserving smart contracts, it opens the door for institutions that require strict data protection while still operating on public infrastructure.
Regulatory clarity will play a significant role as well. ADA has faced uncertainty in certain jurisdictions, and positive developments such as ETF approval or clearer legal status could act as major catalysts.
Price Outlook by Time Horizon
Short Term 3 to 6 Months
Technical indicators currently suggest neutral momentum, with ADA testing the upper boundary of a long-term range. Holding above $0.45 could allow a move toward $0.65, but low volume points to continued consolidation unless new demand emerges.
Medium Term 2026 to 2027
By this stage, the impact of Cardano’s strategic integration fund should be more visible. This initiative allocates 70 million ADA toward improving stablecoins, liquidity, and cross-chain connectivity.
If broader market conditions improve and institutional interest increases, ADA could trade between $0.80 and $2.10 during this period.
Long Term 2030 and Beyond
Looking further ahead, Cardano has the potential to evolve into a foundational layer for tokenized assets such as bonds, commodities, or real estate.
Under this scenario, price estimates range from $2.00 to $5.50. Achieving the upper end would require substantial adoption and a market capitalization exceeding $180 billion.
Technical Perspective
On higher timeframes, ADA remains neutral, hovering near its 50-day moving average, which acts as a key pivot level. Strong support zones are visible around $0.33 and $0.27.
Resistance levels stand near $0.42 and $0.55. The RSI sits close to 44, indicating balanced conditions with room for movement in either direction.
Momentum indicators suggest selling pressure is weakening. A sustained move above the 200-day moving average near $0.48 would be an early sign of a longer-term trend reversal.
Bullish and Bearish Scenarios
Bullish Outlook
A favorable regulatory outcome such as a spot ADA ETF, combined with a successful Ouroboros Leios rollout and strong enterprise adoption of Midnight, could significantly improve sentiment and valuation.
Bearish Risks
Low participation in governance could undermine decentralization efforts. Competition from Ethereum Layer 2 networks or alternative ecosystems could also limit Cardano’s DeFi growth. Regulatory challenges in key markets remain an ongoing risk.
Investment Considerations
Cardano appeals most to investors focused on long-term fundamentals rather than short-term speculation. Its emphasis on security, formal verification, and governance positions it as a lower-risk option compared to newer experimental networks.
That said, short-term traders may find ADA less exciting due to slower price movements. The tradeoff is deeper liquidity and more predictable behavior during market stress.
As with all crypto assets, risk remains high, and patience is required for the full roadmap to unfold.
Common Questions
Can ADA reach $10

Reaching $10 would require an extremely large market capitalization, making it unlikely in the near future. A more realistic long-term range is between $2.00 and $5.50 by 2030.
Is Cardano secure

Cardano is widely regarded as one of the most secure blockchains due to its use of formal verification. The network has operated without a full outage since launch.
Where to buy $ADA

#ADA is available on major exchanges such as Binance, Coinbase, Kraken, and OKX, as well as through native wallets that support staking.
What impacts ADA price most

Network adoption, governance success, regulatory clarity, and broader Bitcoin market conditions are the primary drivers.
What is Midnight

Midnight is a privacy-focused sidechain designed to allow sensitive data to remain confidential while still being verifiable on-chain, making it suitable for regulated industries.
Final Takeaway
Cardano has moved beyond its experimental phase into a governance-led ecosystem with long-term ambitions. While competition will intensify, its focus on decentralization, security, and real-world utility gives it a durable edge.
Investors should closely monitor governance engagement, enterprise adoption, and execution of upcoming upgrades as the network moves toward 2030.
Disclaimer: This content is for informational purposes only and does not constitute financial advice. Always consult a qualified financial professional before making investment decisions.
#BFMTimes

The situation escalated after U.S. air strikes were reported near Caracas, alongside claims that Venezuelan President Nicolás Maduro had been captured. This marked a rare instance of direct U.S. military involvement in a region that has largely remained non interventionist for decades. The developments triggered sharp reactions across traditional financial markets and raised concerns about broader implications for global risk assets. Bitcoin, however, showed little reaction.
Bitcoin Holds Steady Amid Global Tension
In the immediate aftermath, Bitcoin briefly dipped below the 90,000 level, a move that did not resemble panic selling. On chain metrics indicated that trading behavior remained largely unchanged, with volumes and investor activity staying within normal ranges. This suggested that market participants were not reacting emotionally to the headlines.
Despite the scale of the geopolitical event, Bitcoin’s price fluctuations remained limited. According to crypto market analysts, this stability points to a broader perception that the event represents short term uncertainty rather than a systemic risk to markets.
Exchange data also showed no significant spikes in Bitcoin inflows or outflows. Typically, sharp sell offs are accompanied by large transfers to exchanges, while strong conviction buying often brings notable inflows. The absence of both signals reinforced the view that Bitcoin is currently in a relatively balanced and stable phase.
On Chain Signals Reflect Market Confidence
Blockchain analytics firms such as CryptoQuant reported that confidence outweighed fear across the market. Net exchange flows remained neutral, while long positions continued to outperform bearish bets in derivatives markets. Following the geopolitical news, more than 250 million dollars in short positions were liquidated, indicating that traders positioned for a downside move were caught off guard.
This reaction stands in contrast to traditional markets, where geopolitical stress often leads to an immediate shift into safe haven assets like gold or U.S. Treasuries. Bitcoin’s muted response has reignited debate over whether it should still be viewed primarily as a risk asset or increasingly as a digital store of value.
Institutional Activity and ETF Momentum
Supporting the narrative of stability, U.S. listed Bitcoin ETFs recorded renewed inflows after a period of net outflows. Institutional investors, who had previously taken a cautious stance due to macroeconomic uncertainty, appear to be re entering the market after digesting the latest developments.
Analysts suggest that stronger balance sheets among large crypto funds, combined with improving sentiment in traditional markets, are helping Bitcoin absorb shocks more effectively than during previous periods of stress.
Venezuela’s Ongoing Crypto Adoption
The crisis also highlights #venezuela ’s deepening reliance on cryptocurrencies. Years of economic instability, hyperinflation, and restricted access to traditional banking have driven widespread adoption of digital assets, particularly stablecoins such as USDT. In many urban areas, prices are commonly denominated in USDT rather than the bolívar, signaling a grassroots shift toward digital dollars.
There have also been reports that both state and private entities in Venezuela have accumulated significant Bitcoin reserves as a means of navigating sanctions and dollar based restrictions. While these holdings could influence the market if mobilized, there is currently no evidence of panic selling linked to these reserves. $BTC
Market Debate: Short Term Noise or Structural Shift
Market observers remain divided on how to interpret #bitcoin ’s response. Some argue that crypto markets are increasingly detached from traditional geopolitical risk. Others see this period as evidence that Bitcoin may be evolving beyond a speculative risk asset toward a hedge or alternative store of value.
Looking ahead, Bitcoin’s resilience will continue to be closely monitored by investors, regulators, and geopolitical analysts alike. Whether this stability proves temporary or signals a lasting shift in market dynamics remains an open question.
Disclaimer: #BFMTimes provides information for educational purposes only and does not offer financial advice. Readers should consult a qualified financial advisor before making investment decisions.

Over the past five years, Bitcoin has undergone a structural transformation. What once existed on the fringes of finance has evolved into an asset increasingly treated as a sovereign-grade reserve and an institutional hedge.
This report examines Bitcoin’s recent price action, the forces shaping its trajectory, and where analysts believe the asset could be valued between now and 2030.
Quick Bitcoin Price Forecast
Based on institutional adoption trends, supply dynamics, and macroeconomic signals, analysts currently expect the following price ranges:

Current (Jan 2026) $88,000 - $92,000 High-level consolidation
Short-term (3-6 months) $95,000 - $125,000 Bullish recovery
Mid-term (2026-2027) $140,000 - $250,000 Cycle expansion
Long-term (2030+) $450,000 - $750,000 Reserve asset phase
Current Market Snapshot
Bitcoin remains the largest cryptocurrency by market capitalization, currently valued near $1.8 trillion. With 19.97 million BTC already mined, nearly 95% of the total supply is in circulation-an increasingly important factor for long-term valuation.
After reaching a previous peak near $126,000 in late 2025, Bitcoin entered a consolidation phase. Prices have since stabilized in the $88,000-$95,000 range, reflecting profit-taking rather than structural weakness.
Despite short-term volatility, institutional activity remains strong. Strategy recently added $2.1 billion worth of BTC, while several governments have publicly explored incorporating Bitcoin into strategic reserves.
What Is Bitcoin?
Bitcoin is a decentralized digital monetary system designed to operate without reliance on central banks or intermediaries.
Launched in 2009 by the pseudonymous creator Satoshi Nakamoto, Bitcoin is powered by a distributed ledger known as the blockchain. Transactions are secured through Proof-of-Work mining, ensuring network integrity and resistance to manipulation.
While initially created as a peer-to-peer payment system, Bitcoin’s role has evolved. Today, it functions primarily as digital gold-a store of value, inflation hedge, and monetary alternative defined by absolute scarcity and a predictable issuance schedule.
Key Drivers Behind Bitcoin’s Price Outlook
Several structural forces will shape Bitcoin’s performance through 2030:
Institutional ETF Demand
Spot Bitcoin ETFs have introduced sustained, programmatic buying as asset managers allocate client capital to BTC exposure.
The Halving Effect
Bitcoin’s supply issuance is cut every four years. The impact of the 2024 halving is still unfolding, while the next halving in 2028 is expected to further constrain supply.
Supply Scarcity
Fewer than 1.1 million BTC remain to be mined. As corporations and long-term holders accumulate, liquid supply on exchanges continues to shrink.
Sovereign Interest
Momentum around national Bitcoin reserves has accelerated following policy discussions in the US and growing regulatory clarity in Europe.
Bitcoin Price Predictions by Timeframe
Short-Term Outlook (3-6 Months)
Analysts remain cautiously bullish. Bitcoin is currently testing resistance near $92,000, with compressed volatility suggesting a potential breakout.
If BTC clears the $100,000 psychological level, renewed confidence could drive a move toward $125,000 as sidelined capital re-enters the market.
Mid-Term Outlook (2026-2027)
The next phase may validate the “supercycle” thesis. Institutional inflows are increasingly colliding with post-halving supply constraints.
Some market leaders, including Charles Hoskinson, have floated upside scenarios reaching $500,000. However, most analysts expect a more measured range of $140,000–$225,000 during this period.
Long-Term Outlook (2030 and Beyond)
By 2030, Bitcoin will have completed another halving cycle, significantly reducing new supply. At that point, comparisons with gold become unavoidable.
If Bitcoin captures even 50% of gold’s market value, prices could approach $500,000. Asset managers such as ARK Invest estimate a broader range between $450,000 and $750,000 under favorable adoption conditions.
Technical Overview
From a technical perspective, Bitcoin currently shows neutral short-term momentum but maintains a bullish long-term structure.
Key Levels
Support: $88,000 and $85,000Resistance: $100,000–$107,000

Holding above support could establish a base for the next upward leg.
Indicators
RSI: Near 33 on the daily chart, approaching oversold territoryMACD: Still negative, reflecting late-December selling pressure
Long-term holders continue to accumulate during dips, suggesting confidence beneath surface volatility.
Bullish vs Bearish Scenarios
Bullish Case
Governments formally adopt Bitcoin as a reserve assetContinued corporate and whale accumulationFalling interest rates revive risk appetitePersistent ETF inflows tighten supply further
Bearish Case
Severe global recession or geopolitical shockRestrictive legislation targeting self-custody or miningExtended correlation with declining equity markets
Is Bitcoin a Good Investment?
Bitcoin is increasingly viewed as a legitimate macro asset by governments, hedge funds, and corporations.
It suits long-term investors seeking protection against currency debasement and institutions requiring deep liquidity. However, volatility remains unavoidable-20% drawdowns can occur even in strong bull markets.
Bitcoin should be treated as one component of a diversified portfolio, not a standalone strategy. Only invest capital you can afford to allocate long term.
Frequently Asked Questions
Can Bitcoin reach $1 million?

Possibly-but only if it surpasses gold as the dominant global store of value, a shift that would likely take place beyond 2030.
Is Bitcoin secure?

The Bitcoin network itself has never been compromised. Security risks mainly relate to storage practices-hardware wallets remain the safest option.
Where can Bitcoin be purchased?

Bitcoin is available on major exchanges such as Binance, Kraken, and Coinbase, as well as through Spot Bitcoin ETFs.
What influences Bitcoin’s price the most?

Fixed supply and fluctuating demand. Macroeconomic data, interest rates, and regulatory clarity can drive short-term volatility.
Will there ever be more than 21 million #BTC ?

No. The supply cap is hardcoded and changing it would require near-universal network consensus-an extremely unlikely scenario.
Final Takeaway
#bitcoin ’s outlook through 2030 reflects an asset entering maturity rather than speculation. While explosive early-stage gains may be behind it, Bitcoin’s role as a long-term store of value is strengthening.
With tightening supply and accelerating institutional adoption, the structural trend remains firmly intact.
Disclaimer: #BFMTimes provides information for educational purposes only and does not offer financial advice. Please consult a qualified financial advisor before making investment decisions.
$BTC

Who Is Adrian Zduńczyk
Adrian Zduńczyk is a Poland-based entrepreneur, market technician, and crypto analyst best known under the CRYPTOBIRB identity. He is the founder of The Birb Nest, a long-standing crypto education and market analysis community that has operated through multiple market cycles.
What distinguishes Zduńczyk in the digital asset space is his formal accreditation. He holds the Chartered Market Technician (CMT) designation, a globally recognized certification awarded by the CMT Association. The qualification reflects a rigorous focus on statistical integrity, market structure, and evidence-driven technical analysis. In an industry where formal credentials remain rare, the CMT designation signals adherence to professional standards rather than speculative commentary. Zduńczyk is frequently cited as the only CMT charterholder in Poland, highlighting the rarity of this background within European crypto markets.
Academic Foundations and Analytical Discipline
Unlike many market commentators who emerge through self-taught trading paths, Zduńczyk’s methodology is rooted in structured academic training. He holds a master’s degree in chemical technology (engineering) as well as a master’s degree in management and finance. This dual background shapes his systematic view of markets as probabilistic systems governed by data, risk frameworks, and behavioral dynamics.
When transitioning into crypto, Zduńczyk did not reinvent analytical frameworks for digital assets. Instead, he applied classical technical analysis tools drawn from equities, commodities, and futures markets. His work emphasizes trend structure, momentum, volatility, and cyclical behavior-approaches designed to impose discipline on an otherwise highly volatile asset class.
Building The Birb Nest
The Birb Nest was launched in late 2017, during one of the most speculative periods in crypto history. The initiative emerged in response to a clear gap in structured education and objective analysis at a time when hype-driven narratives dominated market discourse.
From the outset, the community prioritized capital preservation, disciplined execution, and long-term skill development. Over time, The Birb Nest endured multiple market drawdowns and prolonged bear cycles that saw many short-lived trading groups dissolve. Its longevity reflects an emphasis on sustainability and methodology rather than short-term performance claims.
Education Over Market Noise
A central theme across Zduńczyk’s work is the rejection of misinformation and impulsive trading behavior. His educational content consistently stresses risk management, probabilistic thinking, and cross-market analysis spanning crypto, equities, commodities, forex, and indices.
Rather than promoting constant market participation, his approach highlights the importance of patience and selective engagement. Knowing when not to trade is treated as a core competency. This philosophy aligns more closely with institutional trading disciplines than with influencer-driven market commentary.
Community, Reach, and Influence
Over the years, The Birb Nest has evolved into a global community structured around shared analytical frameworks and mentorship. The emphasis on consistency and accountability has allowed it to outlast many speculative communities built around short-term narratives.
Zduńczyk maintains a strong presence across major social platforms, where he shares market insights and educational analysis with a broad international audience. Despite significant reach, his positioning remains centered on education and structural understanding rather than promotion.
Monitoring Structural Shifts in Markets
In a recent public commentary, #CRYPTOBIRB highlighted an announcement from the New York Stock Exchange regarding the development of a tokenized securities platform. Rather than focusing on immediate price reactions, the analysis centered on deeper implications-settlement efficiency, market infrastructure, and the convergence of traditional finance with blockchain systems. This perspective reflects his broader focus on structural evolution rather than short-term volatility.
A Long-Term Presence in a Volatile Industry
#AdrianZduńczyk occupies a quieter but increasingly important role in the crypto ecosystem: that of a technical professional committed to discipline, education, and durability. As digital asset markets mature and demand higher analytical standards, his emphasis on structure, responsibility, and methodological rigor remains particularly relevant.
Disclaimer: #BFMTimes provides information strictly for educational purposes and does not offer financial advice. Readers are advised to consult a qualified financial professional before making investment decisions.

Overview and Purpose
AI image creation tools are digital platforms that produce visual content using machine learning models trained on massive image datasets. Users interact with these systems through text prompts, reference images, style inputs, or predefined design constraints to generate original visuals.
These tools are not designed to replace human creativity. Instead, they function as creative accelerators, enabling users to:
Generate original visuals instantlyExplore new concepts and visual directionsReduce repetitive design workProduce high volumes of visual content efficiently
How AI Image Generators Function
Most modern AI image generators rely on diffusion-based or transformer-based architectures. In simple terms, the process works as follows:
The system learns visual relationships from large-scale image dataA user submits a descriptive or stylistic promptThe model converts that input into an image, refining pixels step by stepUsers iterate by adjusting prompts or applying edits
While the output appears instantaneous, it is driven by probabilistic modeling and pattern recognition rather than human reasoning or intent.
AI-Assisted Design vs Fully Generated Images
AI-powered visuals generally fall into two categories:
AI-assisted design

AI enhances specific tasks such as background removal, image enhancement, variation generation, or color correction, while humans retain final creative control.
Fully AI-generated images

The system creates the entire visual from a prompt with minimal manual intervention.
Most professionals rely on a hybrid approach, combining AI generation with traditional design tools to balance speed, control, and quality.
Why Creators and Businesses Adopt AI Image Tools
Speed and Operational Efficiency
AI image tools can deliver visuals in minutes instead of hours or days. This advantage is critical for:
Social media content pipelinesCreative testing and A/B experimentsRapid concept validation
Cost Optimization
Frequent reliance on stock images or external designers can be expensive. AI tools reduce costs by:
Limiting dependency on stock librariesDecreasing revision cyclesEmpowering internal teams
Scalability
For brands producing daily or high-frequency content, AI enables scale without sacrificing visual consistency.
Creative Exploration
AI allows rapid experimentation across styles, tones, and concepts that would be time-intensive to produce manually.
Accessibility
Non-designers such as marketers, founders, and content managers can generate functional visuals with minimal onboarding.
Core Features to Evaluate in AI Image Tools
When selecting an AI image creation platform, consider the following capabilities:
Image Quality and Resolution
High-resolution, production-ready outputs
Minimal artifacts and clean detailing
Prompt and Style Control
Flexible style definitionsGuided prompts or templates
Customization and Variations
Iterative refinementsReference image support
Editing and Upscaling
Built-in editing optionsAI-powered upscaling for print and digital use
Commercial Licensing
Clear usage rightsBusiness-safe licensing terms
Workflow Integration
Compatibility with design toolsAPI access for advanced workflows
Leading AI Tools for Image Creation
Midjourney
Overview

Known for visually rich and artistic outputs, Midjourney focuses heavily on aesthetics and creative interpretation.
Best Use Cases
Concept art
Brand mood explorationVisual storytelling
Strengths
Exceptional artistic depthStrong style coherence
Limitations
Limited fine-grain editingNot ideal for structured layouts
Best For

Creative professionals and visual artists.
DALL·E
Overview

DALL·E excels at realistic visuals and accurate prompt execution, making it popular for marketing use cases.
Best Use Cases
Blog illustrationsAdvertising creativesConcept visualization
Strength
High prompt accuracyIntuitive interface
Limitations
Less stylistically experimental
Best For

Marketing teams and content creators.
Stable Diffusion
Overview

An open-source solution offering extensive customization and local deployment options.
Best Use Cases
Custom workflowsModel fine-tuningExperimental applications
Strengths
Full controlOpen ecosystem
Limitations
Requires technical expertise
Best For

Developers, researchers, and advanced users.
Adobe Firefly
Overview

Integrated directly into Adobe Creative Cloud, Firefly is built for commercial-grade design workflows.
Best Use Cases
Brand-safe commercial projectsEnterprise design work
Strengths
Ethically sourced training dataSeamless Creative Cloud integration
Limitations
Less experimental output styles
Best For

Agencies and professional design teams.
Canva AI
Overview

Canva AI brings image generation into a beginner-friendly design environment.
Best Use Cases
Social media postsMarketing assets
Strengths
Easy to usePre-built templates
Limitations
Limited advanced customization
Best For

Small businesses and non-designers
Leonardo AI
Overview

Focused on high-detail visuals with strong asset management capabilities.
Best Use Cases
Game assetsProduct mockups
Strengths
Fine-tuning optionsDetailed outputs
Limitations
Learning curve
Best For

Asset-focused designers and artists
Runway ML
Overview

Combines AI image generation with video and motion tools.
Best Use Cases
Multimedia campaignsCreative production pipelines
Strengths
Innovative workflows
Limitations
Higher pricing tiers
Best For

Creative agencies and video teams.
Playground AI
Overview

A lightweight platform for testing AI-generated visuals.
Best Use Cases
Idea validationCreative experimentation
Strengths
Beginner-friendly
Limitations
Limited professional features
Best For

Students and hobbyists.
Ideogram
Overview

Specializes in text-centric image generation with accurate typography.
Best Use Cases
PostersBanners and headlines
Strengths
Reliable text rendering
Limitations
Narrow functional scope
Best For

Brand and marketing designers.
Common Applications of AI-Generated Images
AI-generated visuals are widely used across industries, including:
Social media contentAdvertising and marketing creativesBlogs and websitesProduct mockupsBranding and concept artE-commerce imagery
Designers vs Non-Designers: How Usage Differs
Designers

Use AI for ideation and acceleration
Apply manual refinementsRetain full creative control
Non-Designers
Rely on presets and templatesPrioritize speed and usabilityFocus on output rather than craft
Ethical, Legal, and Copyright Considerations
AI image ownership and usage rights vary by platform. Key factors to assess include:
Transparency of training dataCommercial usage permissionsBrand safety policies
Businesses should prioritize tools with explicit licensing terms and ethical safeguards.
Limitations of AI Image Creation
Despite their advantages, AI image tools have constraints:
Limited emotional or contextual understandingDependence on prompt qualityRepetitive stylistic patternsOngoing need for human review
AI cannot replace strategic thinking, narrative intent, or brand storytelling.
Best Practices for Effective Use
Write precise and descriptive promptsCombine AI outputs with manual editingAlign visuals with brand guidelinesAvoid overused or generic imagery
AI Image Tools for Businesses and Agencies
For organizations, AI image generation enables:
Faster campaign launchesScalable visual productionCost-effective creative workflowsCross-team collaboration
Many agencies now integrate AI image tools directly into their design pipelines.
The Future of AI Image Creation
Looking ahead, AI image tools are expected to deliver:
Greater personalizationImproved realism and consistencyDeeper integration with design ecosystemsMore intuitive human-AI collaboration
Human creativity will remain central. AI will enhance creative output, not replace it.
Conclusion
AI image creation tools have reshaped how visuals are produced across industries. They lower barriers, accelerate workflows, and unlock new creative possibilities. However, effective use still depends on human judgment, ethical responsibility, and creative direction.
When applied thoughtfully, AI image generators serve as powerful creative partners—helping designers, marketers, and businesses bring ideas to life faster without compromising originality or intent.
Disclaimer: #BFMTimes provides content strictly for informational purposes and does not offer financial advice. Please consult a qualified financial advisor before making investment decisions.

#CarlRunefelt has emerged as one of the most recognisable figures in the global Bitcoin community-an entrepreneur, investor, and the face behind The Moon Show . His recent space expedition is more than spectacle; it reflects a broader shift in how financial influence is built in the digital era-through discipline, transparency, and long-term conviction rather than short-lived hype.
From Ordinary Beginnings to a Market Awakening
Born in Sweden in 1994, Runefelt did not begin his career in finance, technology, or venture capital. He worked in a supermarket-an experience he has often described as grounding rather than restrictive. It was during this phase that he encountered Bitcoin, not as a speculative trend, but as a structural alternative to a traditional financial system that increasingly felt out of reach for younger generations.
With no formal background in markets, Runefelt turned to self-education. He immersed himself in macroeconomics, market cycles, and technical analysis, developing an independent, long-term mindset. This “learn first, leverage later” approach became foundational to his philosophy and continues to shape his public work.
The Moon Show: Education Over Noise
Runefelt’s public profile expanded through #TheMoonShow, a Bitcoin-focused platform built on consistency rather than sensationalism. Instead of chasing viral price predictions, the show concentrates on market structure, macro context, and simplified technical analysis-bridging fundamentals with charts in a way that prioritises understanding over excitement.
The underlying philosophy is deliberate repetition and daily discipline. For Runefelt, Bitcoin is not a short-term trade but a long-duration thesis. His audience has grown around this clarity of purpose, valuing education paired with conviction.
Builder First, Commentator Second
Beyond media, Runefelt has positioned himself firmly as a builder within the ecosystem. He is the founder and CEO of The Moon Group, operating across crypto media, investment, and advisory services. He is also the co-founder of Kasta, a crypto payments platform focused on simplifying digital transactions, and the founder of cryptojobs.com, a global marketplace connecting Web3 companies with talent.
In parallel, Runefelt is recognised as an active angel investor, with publicly disclosed involvement in hundreds of early-stage crypto and Web3 startups. These roles signal a consistent theme: participation beyond commentary, extending into infrastructure, products, and human capital.
Recognition and Global Reach
Runefelt’s work has gained traction across both crypto-native and mainstream platforms. He has been featured in Forbes 30 Under 30 and covered by outlets such as CNBC, FOX Business, Business Insider, and Cointelegraph. His social platforms collectively reach millions, reflecting a rare intersection of market credibility and mass visibility.
Alongside media presence, he is known for supporting early-stage founders and engaging in philanthropic initiatives-reinforcing his positioning as a contributor to the ecosystem rather than a passive observer.
Conferences and Industry Dialogue
According to confirmed reports, Runefelt has spoken at major crypto and Web3 conferences across Europe, Dubai, and other global hubs. His appearances consistently focus on Bitcoin adoption, market structure, and the long-term trajectory of digital assets, mirroring the themes of his educational content rather than promotional narratives.
Conviction Over Volatility
When Runefelt stated, “Buy Bitcoin now or cry later,” the remark drew attention for its bluntness. Yet the message aligns with a stance he has maintained across multiple market cycles. He frames Bitcoin as a long-term hedge within a shifting macro landscape-particularly as traditional markets reach extremes and commodities such as gold and silver regain momentum. It is a polarising view, but one rooted in macro analysis rather than short-term noise.
The Builder Behind the Brand
Ultimately, Carl “The Moon” Runefelt’s story is one of progression-from self-taught learner to educator, from commentator to ecosystem builder. His influence is driven less by prediction and more by sustained participation. In an industry often dominated by volume and volatility, his edge lies in consistency.
As Web3 continues to mature, figures like Runefelt demonstrate that credibility is built over time-and that real influence requires engagement not just on screens, but within the foundations of the ecosystem itself.
Disclaimer: #BFMTimes acts as a source of information for knowledge purposes and does not claim to be a financial advisor. Kindly consult your financial advisor before investing.

From a Midwest Start to a Global Crypto Platform
Founded in 2018 by twin brothers #AaronArnold and #AustinArnold , Altcoin Daily began as a straightforward experiment in consistency. Based in Ohio, the brothers set out to publish daily crypto coverage that cut through sensationalism and focused on clarity. The goal was not to excite audiences with extreme predictions, but to help them stay informed without being drowned in noise.
From the outset, the channel adopted a wide-lens approach. Content was built to serve both newcomers encountering Bitcoin for the first time and experienced market participants following Ethereum, altcoins, and broader blockchain infrastructure. As the crypto market moved through repeated bull and bear cycles, Altcoin Daily’s defining strength emerged: reliability. Showing up every day became its differentiator.
What Altcoin Daily Represents Today
#AltcoinDaily has grown into the most-subscribed crypto news channel on YouTube in the United States and ranks among the top three globally. With approximately 1.5 million YouTube subscribers and over 1.7 million followers on X, the platform now sits firmly within the upper tier of crypto media influence.
Its coverage spans a wide range of topics, including Bitcoin, Ethereum, and major altcoins, alongside NFTs, Web3, and the evolving digital economy. Market structure, mining trends, institutional behavior, and long-term investing themes feature prominently. Underpinning this breadth is a clear editorial philosophy: using altcoins strategically within longer cycles, with Bitcoin as the ultimate benchmark. This mindset reflects a disciplined, macro-aware outlook rather than short-term speculation.
The Founders’ Editorial Voice
A major reason for the channel’s durability is the consistency of its hosts. Aaron and Austin Arnold are not simply relaying headlines; they interpret them. Daily episodes focus on why developments matter, whether they stem from macroeconomic shifts, regulatory signals, or changes in investor behavior.
Their delivery is confident but measured. Regular disclaimers clarify that the content is not financial advice, reinforcing credibility in an industry where education and promotion often blur. Over time, this balance between opinion and restraint has become central to Altcoin Daily’s identity.
Institutional Context Over Hype
This approach is evident in how the channel frames institutional news. In a recent post, Altcoin Daily highlighted commentary from Fidelity Investments, stating that Bitcoin may be entering a “supercycle.” The significance was not the bullish framing itself, but the source. Fidelity’s scale and credibility added weight to the narrative that Bitcoin’s trajectory is increasingly shaped by long-term adoption and structural demand, rather than retail enthusiasm alone.
Rather than amplifying excitement, Altcoin Daily positioned the statement within a broader context of supply dynamics, institutional sentiment, and multi-year market cycles. This emphasis on perspective over hype is characteristic of the channel’s editorial style.
Why the Format Resonates
Altcoin Daily operates at the intersection of news reporting and daily commentary. Episodes move quickly but remain substantive, balancing timely updates with interpretation. Recurring themes include market psychology, cycle awareness, and actionable insights that appeal to both beginners and seasoned participants.
The channel also features interviews and collaborations with industry figures, adding first-hand viewpoints to its coverage. Complex topics-ranging from monetary policy implications to blockchain infrastructure upgrades-are broken down clearly without being oversimplified. This accessibility, combined with consistency, keeps audiences engaged.
Influence Built on Trust
Altcoin Daily’s influence lies less in making explicit market calls and more in shaping how its audience understands risk, cycles, and long-term value. Its daily presence has made it a regular reference point in discussions around Bitcoin dominance, altcoin rotations, regulation, and institutional participation.
By maintaining a steady cadence and a grounded tone, the channel has built familiarity. Over time, that familiarity has translated into trust-an increasingly rare asset in a market driven by volatility and narratives.
Beyond the Screen
The platform’s relevance extends into the broader industry. In 2025, Aaron Arnold appeared at Chainlink SmartCon, participating in discussions on crypto markets. While Altcoin Daily does not position itself as a conference-centric media brand, such appearances reflect its standing within professional and institutional circles.
A Steady Signal in a Loud Industry
Altcoin Daily’s real strength is not reach alone, but credibility earned through consistency. In a space dominated by emotion and rapid storytelling, the channel has carved out a reputation for measured analysis and long-term thinking. Through disciplined publishing, informed commentary, and a macro-level perspective, Aaron and Austin Arnold have built more than a media channel-they have created a daily touchpoint for millions seeking clarity in an otherwise chaotic market.
Disclaimer: #BFMTimes provides content strictly for informational purposes and does not offer financial advice. Readers should consult a qualified financial professional before making any investment decisions.

Early Life and Entry Into #blockchain
Raised in Colombia under severe financial constraints, Meneses experienced hardship at a level few publicly acknowledge. At one stage, he lived out of a mechanic’s garage and relied on food assistance to survive. Survival came before ambition. Seeking stability, he worked a series of short-term jobs across Europe before eventually establishing himself in the United Kingdom.
With formal training in computer engineering, Meneses approached technology pragmatically. His introduction to crypto in 2016 was not driven by speculation or market hype. Instead, it stemmed from a real-world problem: sending money back to his family in Colombia. Traditional remittance systems were slow, expensive, and unreliable. Bitcoin, to him, represented efficiency and autonomy-not a gamble. This practical first use shaped his long-term approach to blockchain adoption, focusing on functionality over theory.
Collapse, Reset, and Strategic Rebuild
In 2019, Meneses lost everything-financially and emotionally. The setback was total. While many would have exited the industry entirely, he chose a calculated reset. He redirected his remaining resources into three areas: building a personal brand, creating education-first content, and cultivating a community.
He began publishing consistently on Instagram, prioritizing clarity over predictions and experience over speculation. His content was never designed to impress markets but to explain them. The approach was rooted in empathy-addressing the questions he once had and the gaps newcomers routinely faced. This learning-by-doing philosophy became central to his credibility.
Emergence as a Web3 Communicator and KOL
Momentum accelerated in 2022. Meneses was invited to speak at Binance’s 5th Anniversary, marking a shift from independent creator to recognized industry voice. That same year, he launched Crypto OGs, which went on to become the top-ranked podcast on Binance Live.
#Binance later named him a Top Key Opinion Leader, solidifying his position within the ecosystem. His work earned trust from major platforms including Binance, #OKX , Polymarket, and multiple global technology firms. What differentiates Meneses is balance-clear communication paired with firsthand operational understanding of the industry.
Global Presence, Events, and Industry Recognition
Meneses is an active international host and speaker, with confirmed participation at major events including:
Token2049 (Dubai and Singapore)Binance Blockchain WeekParis Blockchain WeekAIBC World / SiGMA Eurasia

He has served as both speaker and host across Europe, Dubai, and Latin America.
His contributions have been recognized through multiple honors, including:
Forbes 40 Under 40 - Tech Leaders (Latin America)Arabian Business Top 10 People in CryptoEntrepreneur Magazine Top 100 Entrepreneurs in the Middle EastInfluencer of the Year - Middle East Blockchain Awards (2022)Web3 Podcast Winner - AI & Blockchain Awards (2023)Top Global Crypto YouTuber / Influencer - Abu Dhabi Finance Week (2022)
Media Reach and Community Impact
Meneses is the co-founder and host of the Crypto OGs Podcast, now nearing 200 episodes and ranked as the leading show on Binance Live. He is also a Binance Feed Pioneer and a contributor to Cointelegraph Spanish.
Through bilingual English-Spanish content, he leads one of the most geographically diverse crypto communities, reaching over 1.5 million people globally. His work consistently centers on education, accessibility, and long-term belief-building rather than short-term narratives.
Market Awareness Beyond Commentary
In a recent post, Meneses shared a time-sensitive industry update:

“BREAKING: Crypto exchange Paxful will wind down operations after reaching a plea agreement that includes a $7.5M fine and user refunds. Sentencing set for Feb 10, 2026.”

The communication was factual and user-focused. Rather than fueling fear or speculation, it emphasized accountability and progress-reinforcing trust and responsible discourse within the industry.
Looking Beyond Content Creation
Meneses is increasingly focused on prediction markets and their potential for mass adoption. He views them as a convergence point between information, incentives, and decentralized participation.
The objective remains unchanged: to build, inspire, and connect. Not as a trend-driven creator, but as a long-term ecosystem builder shaping how Web3 is understood, used, and trusted.
Disclaimer: #BFMTimes provides information strictly for educational purposes and does not offer financial advice. Readers are advised to consult a qualified financial professional before making investment decisions.

Definition
Monetary policy refers to the actions taken by a country’s central bank to regulate the supply of money and credit in the economy. Its primary objective is to maintain price stability, which creates a stable foundation for sustainable economic growth.
Central banks influence economic activity through instruments such as interest rate adjustments, open market operations, and changes in reserve requirements. In India, monetary policy is formulated and implemented by the Reserve Bank of India (RBI), while similar responsibilities are handled by institutions like the U.S. Federal Reserve and the European Central Bank in other economies.
Significance
Monetary policy is significant because of its ability to influence the overall direction of an economy. By controlling liquidity and credit availability, central banks can either encourage spending and investment or restrain excessive economic activity.
Beyond growth management, monetary policy is also critical for maintaining financial stability. Poor regulation of money supply can result in high inflation, currency volatility, asset bubbles, or prolonged economic downturns. Effective policy decisions help prevent these imbalances and support long-term economic resilience.
Importance
At its core, monetary policy plays a central role in controlling inflation. Rising inflation reduces purchasing power and increases the cost of everyday goods and services. Central banks use monetary tools to keep inflation within an acceptable range, ensuring price stability for households and businesses.
Monetary policy also supports employment and economic expansion. During periods of slowdown, accommodative policies encourage borrowing, consumption, and investment. Additionally, policy decisions influence exchange rates and foreign capital inflows, making monetary policy a key component of a country’s global economic positioning.
Usage
Monetary policy is broadly applied in two forms: expansionary and contractionary.
During economic slowdowns or recessions, central banks adopt expansionary monetary policy by lowering interest rates and increasing money supply. This approach aims to stimulate borrowing, spending, and investment.
In contrast, when inflation rises sharply, contractionary monetary policy is used. Interest rates are increased, and liquidity is reduced to slow down excessive demand and stabilise prices.
These policy choices are guided by detailed analysis of economic indicators such as inflation trends, GDP growth, employment data, and global financial conditions.
Examples
A common example of monetary policy in action is a change in interest rates. When inflation accelerates, central banks may raise interest rates, making loans more expensive. This discourages borrowing and reduces spending, helping to cool inflationary pressures.
During economic downturns, central banks often lower interest rates and inject liquidity into the banking system. Easier access to credit encourages businesses to invest and consumers to spend, supporting economic recovery.
These examples demonstrate how monetary policy directly affects everyday financial decisions and economic outcomes.
Benefits
Monetary policy offers several benefits to the economy. It helps achieve price stability, preventing inflation from eroding purchasing power. Stable prices foster confidence among consumers, businesses, and investors.
It also promotes balanced economic growth by supporting investment and job creation during periods of weak performance. Effective monetary policy reduces the risk of excessive borrowing and financial instability while strengthening investor confidence and enabling long-term economic planning.
Disadvantages
Despite its advantages, monetary policy has limitations. Its effects are not immediate and often take time to be reflected in the broader economy, reducing its effectiveness during sudden crises.
Prolonged low interest rates can encourage excessive risk-taking and asset bubbles, while high interest rates can slow growth and increase financial stress for borrowers. Additionally, monetary policy alone cannot address structural economic challenges and often needs to be complemented by fiscal policy measures.
Final Thoughts
#MonetaryPolicy is one of the most powerful tools available to central banks in maintaining economic stability and growth. While it operates largely behind the scenes, its impact is felt in everyday life-through loan interest rates, employment conditions, inflation, and investment opportunities.
Understanding how monetary policy works, along with its advantages and limitations, enables individuals to better interpret economic changes and make informed financial decisions. Awareness of its role also helps people prepare for shifts in the economic environment and navigate an increasingly dynamic financial landscape.

Disclaimer:

#BFMTimes provides information strictly for educational and knowledge purposes and does not offer financial advice. Readers are advised to consult a qualified financial advisor before making any investment decisions.

The Idea That Shaped Coin Mühendisi
Coin Mühendisi was founded by Mert Özsar, a long-time blockchain consultant with deep exposure to decentralized systems and digital markets. From day one, the platform was built around a single guiding principle: accessibility. The name itself-translated as Coin Engineer-reflects the belief that understanding crypto markets should not be limited to technical experts. With the right guidance, anyone can learn to interpret market movements, data, and trends with confidence.
Özsar has always prioritised clarity over hype. His approach focuses on removing unnecessary complexity without diluting substance. Rather than promoting speculative behaviour, Coin Mühendisi was designed to help users think critically, understand risk, and engage with markets in an informed and structured way. This philosophy became the foundation of a strong educational brand that balances analysis with practical learning.
Leadership and Operational Direction
While the vision set the tone, execution has been driven by Mustafa Gokce, the platform’s CEO. Gokce oversees daily operations, product development, and strategic expansion across digital channels. His leadership centres on translating educational goals into a scalable, sustainable ecosystem.
Under his direction, Coin Mühendisi expanded its content formats, increased publishing consistency, and invested in tools that go beyond traditional articles and videos. Community engagement also became a core focus, with coordinated efforts across social media, mobile applications, and partner platforms. This structured growth has allowed the platform to scale without losing editorial consistency or trust.
What Coin Mühendisi Offers
At its core, Coin Mühendisi delivers a blend of market intelligence and education. The platform covers #bitcoin and altcoin analysis, breaking developments, and trend interpretation tailored primarily for Turkish-speaking audiences. Its educational content serves both beginners learning blockchain fundamentals and experienced traders refining their strategies.
Beyond crypto, Coin Mühendisi also addresses stock markets, tactical trading approaches, and broader investment strategies. This multi-market perspective positions the platform as a comprehensive financial education resource rather than a single-sector outlet.
Practical Tools for Informed Decisions
What truly differentiates #coinmühendisi is its integration of tools with content. Users gain access to token unlock calendars, ICO and IDO insights, event trackers, and real-time market data. These resources are designed to support decision-making rather than passive consumption.
The platform’s Android and iOS applications extend this functionality to mobile users, allowing Coin Mühendisi to function as a daily reference point for active market participants.
Community Presence and Distribution
Coin Mühendisi maintains an active footprint across YouTube, Binance Square, and major social platforms, catering to both entry-level users and advanced market participants. This multi-channel strategy ensures consistent editorial quality while meeting users where they already consume information.
Recognition and Industry Standing
Coin Mühendisi’s role within Turkey’s crypto ecosystem has received formal recognition, including a mention in the Binance 2023 Annual Awards. The platform has also served as an official KOL partner at major industry events such as IBW 2025, reinforcing its position as a trusted voice bridging local insight with global crypto discourse.
Events and Ecosystem Participation
Beyond digital publishing, Coin Mühendisi actively participates in blockchain events, panels, and community meetups. These engagements align with its broader mission of improving crypto literacy in Turkey and fostering meaningful dialogue between users, developers, and industry leaders.
Real-Time Market Transparency
The platform regularly shares live market insights, including transparent discussions around active derivatives positions. Recent Ethereum-focused updates on X offered followers a real-time view into short-term market monitoring and analytical reasoning.
Built for Clarity, Not Noise
Coin Mühendisi stands out as an education-first platform grounded in trust and community. Guided by Mert Özsar’s founding vision and led operationally by Mustafa Gokce, it continues to evolve as a reliable resource for navigating increasingly complex financial markets-offering clarity in an industry often dominated by speculation.
Disclaimer: #BFMTimes provides information strictly for educational purposes and does not offer financial advice. Readers are advised to consult a qualified financial professional before making any investment decisions.

Intro
The crypto landscape has tightened dramatically over the past few years, and buying Monero is no longer as straightforward as it once was. As regulatory pressure intensifies worldwide, financial privacy has become harder to protect. Governments are demanding deeper transparency, while major platforms increasingly distance themselves from privacy-focused assets.
Yet interest in private money has not faded. In fact, it is growing. This guide explains where and how to buy XMR today-and why Monero’s role matters more than ever.
Where to Buy #Monero on Centralised #exchange
Monero has quietly disappeared from many mainstream exchanges as platforms rush to comply with tightening regulations. Most domestic services have delisted XMR entirely. That said, a few international exchanges continue to support it, though access comes with trade-offs.
Users must complete full identity verification before trading.
#MEXC remains one of the most active venues for Monero, offering pairs such as XMR/USDT and XMR/USDC. Kraken still supports XMR trading for users in the United States and Canada, although services have been discontinued across Europe and the UK. KuCoin also remains an option for users outside heavily regulated jurisdictions.
Fast Swaps and Non-Custodial Services
For users who already hold assets like Bitcoin or Litecoin, instant swap services provide a faster route to Monero. These platforms allow direct crypto-to-crypto exchanges without requiring full exchange accounts.
Many of these services deliver XMR straight to personal wallets, removing custodial risk. Popular options include Changelly and ChangeNOW, which typically operate without mandatory logins. However, large transactions may still trigger identity verification requests, depending on the size and risk profile of the swap.
Using P2P and Decentralised Platforms to Buy Monero
Some users prefer to bypass centralised platforms entirely. Peer-to-peer trading allows buyers and sellers to transact directly, avoiding intermediaries and corporate oversight.
Haveno has emerged as a major player in this space. Designed specifically for Monero, it functions as a decentralised exchange with no central authority, making shutdowns or censorship extremely difficult. It effectively fills the gap left by older platforms such as LocalMonero.
Bisq is another respected open-source option, offering decentralised Bitcoin-based trades that can be bridged into XMR.
Why Exchanges Ban Monero in the First Place
Monero’s removal from exchanges is often misunderstood. The network itself is not flawed, hacked, or compromised. Quite the opposite-the issue is that it performs exactly as designed.
Regulators demand transaction traceability. Monero deliberately eliminates it.
Through stealth addresses and ring signatures, Monero obscures sender, receiver, and transaction history. This makes compliance reporting impossible for exchanges. Faced with regulatory penalties, many platforms choose delisting over legal exposure.
Importantly, exchange bans do not automatically make Monero illegal. In most regions, individuals are still allowed to hold, mine, and use XMR. The restrictions primarily target businesses, not users.
The Privacy Premium
An unintended consequence of these restrictions is emerging in the market. As Monero becomes harder to acquire, prices on peer-to-peer platforms often exceed those on traditional exchanges. This markup is known as the “privacy premium.”
Demand for untraceable assets is rising as financial surveillance expands and governments explore Central Bank Digital Currencies that monitor spending behavior. For many, Monero is no longer just a cryptocurrency-it is a hedge against a fully transparent financial future.
Disclaimer: #BFMTimes provides information strictly for educational purposes and does not offer financial advice. Readers should consult a qualified financial professional before making any investment decisions.

$XMR

Davis first gained recognition through his independently run YouTube channel, launched in 2017. Over time, he established a loyal audience by breaking down how cryptocurrencies function, identifying recurring market behaviors, and helping viewers understand major developments across Bitcoin, Ethereum, stablecoins, and select alternative assets. His work focuses on education rather than speculation, making complex market movements easier to interpret for everyday investors.
#TheCryptoLark and His Content Style
At the center of Davis’s public presence is The Crypto Lark YouTube channel. The platform features frequent market updates, educational explainers, and analytical commentary designed to help viewers grasp price dynamics, sector rotations, and broader narrative shifts within the crypto economy.
Davis is known for a calm, long-term perspective. Instead of dramatic forecasts or sensational claims, he focuses on simplifying headlines, trends, and technical patterns. His approach allows audiences to understand market cycles and risk without being overwhelmed by volatility or noise.
Beyond YouTube, Davis regularly appears on crypto-focused podcasts, including The Milk Road Show, as well as his own audio formats. These discussions often explore macroeconomic forces behind Bitcoin, long-term investment frameworks, and strategies that do not depend on constant trading activity.
Investment Perspective and Market Approach
Davis’s commentary consistently emphasizes fundamentals and market cycles. He frequently discusses Bitcoin and Ethereum as core pillars of the crypto ecosystem, framing them within broader macroeconomic conditions and investor psychology.
Rather than promoting short-term gains, he advocates disciplined strategies such as dollar-cost averaging, sound risk management, and maintaining perspective during both downturns and euphoric rallies. In interviews, he has highlighted the importance of long-term portfolio construction as a way to manage crypto’s inherent volatility.
His coverage also extends to stablecoins, decentralized finance (DeFi), and carefully selected altcoins. Importantly, he explains not just what is happening in these areas, but why it matters for different types of investors.
Industry Presence and Events
Davis remains active in the wider crypto conversation through guest appearances on podcasts, interviews, and video discussions. His participation on platforms such as The Milk Road Show demonstrates his role in translating macro trends and asset narratives for a broad crypto audience.
Through consistent engagement beyond his own channel, Davis contributes to global market discourse, sharing insights with investors across regions and experience levels.
Community Impact and Reach
The scale of Davis’s YouTube presence reflects his influence. Independent analytics indicate that his long-running channel, featuring thousands of videos, has attracted hundreds of thousands of subscribers and accumulated millions of views, positioning it as a dependable source of ongoing market commentary.
However, his impact extends beyond numbers. #Davis is valued for bridging the gap between complex crypto concepts and everyday investors. Many viewers follow his content not for hype, but for clarity-seeking to understand market cycles, structural trends, and how major digital assets fit into the broader financial landscape.
This educational focus has helped establish Davis as a trusted voice in the crypto space. By consistently providing context alongside analysis, he enables audiences to look beyond short-term price movements and focus on the forces shaping digital asset markets over time.
In an industry often defined by noise and speculation, Davis’s measured and informative style has supported both newcomers and experienced participants in building a more grounded understanding of Bitcoin, Ethereum, stablecoins, and crypto market mechanics-contributing meaningfully to ongoing crypto literacy.
Disclaimer: #BFMTimes is an informational platform and does not provide financial advice. Readers are advised to consult a qualified financial advisor before making any investment decisions.

From Software Engineering to Blockchain Education
Ivan Liljeqvist began his career far from speculation or market hype. Born in Belarus and later raised in Sweden, he developed a strong technical foundation after studying computer science and software engineering at the Royal Institute of Technology (KTH) in Stockholm. His early professional years were spent working as a backend developer, solving real-world engineering problems and building production-grade systems.
His transition into blockchain education was not driven by ideology or investment narratives, but by necessity. As Bitcoin, Ethereum, and decentralized systems gained momentum, Liljeqvist observed a widening gap between market enthusiasm and genuine technical understanding. To address this imbalance, he began producing educational content aimed initially at developers, while remaining accessible to serious beginners. This effort laid the groundwork for what would become Ivan on Tech.
Ivan on Tech and a Technical-First Approach to Web3
The Ivan on Tech YouTube channel quickly became known for explaining blockchain concepts without dilution. Topics ranged from Bitcoin fundamentals and Ethereum architecture to smart contracts, decentralized applications, and Web3 infrastructure. Rather than promoting price narratives, the content focused on how systems actually function.
What distinguished Liljeqvist’s work was intent. He consistently framed blockchain as an evolving technology, highlighting design trade-offs, incentive structures, and technical limitations alongside opportunities. This grounded approach attracted a global audience of developers, students, and technically minded participants who were interested in understanding systems-not predicting markets.
From Education to Infrastructure: Building Moralis
As his audience matured, Liljeqvist expanded beyond education into product development. He co-founded Moralis, a Web3 backend platform designed to simplify decentralized application development. Moralis abstracts away much of the repetitive infrastructure work, allowing developers to focus on business logic rather than rebuilding core components from scratch.
Alongside the platform, Liljeqvist launched Ivan on Tech Academy-later rebranded as Moralis Academy. The mission remained consistent: train builders, not traders. Course material emphasizes smart contract development, Web3 architecture, and real-world application deployment, reflecting his belief that long-term blockchain adoption depends on developers, not short-term market cycles.
Industry Presence and Practical Credibility
Liljeqvist remains a visible figure across major blockchain and Web3 conferences, where he frequently speaks on developer tooling, decentralized infrastructure, and education. His influence extends beyond view counts, reflected in the widespread adoption of his platforms and consistent references within technical and educational crypto circles.
As CEO of Moralis, he operates at the intersection of theory and production, offering him direct insight into how blockchain concepts perform in real-world environments-not just in whitepapers or tutorials.
Interpreting Markets Without Emotion
Liljeqvist’s market commentary mirrors his technical philosophy. In response to rapid price movements, he has cautioned against emotional decision-making, noting that parabolic growth does not automatically justify abandoning positions. His emphasis remains on structure, trend context, and risk management.
He frequently compares crypto cycles with traditional asset markets, such as commodities, to illustrate how different market structures behave over time. The underlying message is consistent: understand the system first, then act.
Why Ivan on Tech Remains Relevant
In an industry defined by speed and short attention spans, Liljeqvist’s work endures because it is rooted in fundamentals. His sustained focus on developer education, infrastructure, and long-term thinking continues to offer value to those seeking informed participation in Web3 rather than speculative exposure.
Education as Infrastructure
#IvanLiljeqvist can be accurately described as a technologist, an educator, and a Web3 ecosystem builder. By treating education as a form of infrastructure, he has helped shape how blockchain knowledge is shared and how new builders enter the space-contributing not just to awareness, but to capability.
Disclaimer: #BFMTimes provides information strictly for educational purposes and does not offer financial advice. Readers should consult a qualified financial advisor before making investment decisions.

Key Takeaways
Polygon continues to remove a significant volume of POL tokens from circulation through consistent, usage-driven burns.The launch of AggLayer positions Polygon as an interoperability backbone, enabling seamless liquidity and data flow across multiple blockchains.Market analysts project a long-term valuation range of $2.50 to $5.00 by 2030 as Polygon’s multi-chain strategy matures.What began as a simple scaling solution has evolved into one of the most expansive ecosystems in Web3.#Polygon has undergone a major transformation over the past few years. The transition from #MATIC to #pol marks a strategic shift toward a broader, multi-chain future, and sentiment around the project remains constructive.
Below is an outlook on how Polygon could evolve over the next five years.
Polygon Price Outlook at a Glance
Current (Jan 2026) $0.12 – $0.14 Sideways / StabilisingShort-Term (6 Months) $0.10 – $0.22 Volatile RecoveryMedium-Term (2026–2027) $0.45 – $1.10 Expansion PhaseLong-Term (2030+) $2.50 – $5.00 Fully Developed Ecosystem
Current Market Snapshot
Polygon is currently navigating a critical transition period. With the MATIC-to-POL migration largely completed, the network now holds an estimated market capitalisation of roughly $1.3 billion, keeping it within the global top 100 crypto assets.
Circulating supply stands near 10.6 billion POL, while recent price action suggests a strong base forming between $0.12 and $0.14. This consolidation follows a broader market pullback late last year and reflects improving structural stability.
On-chain metrics remain robust. The network processed over 1.4 billion transactions in the previous year, with daily active addresses frequently approaching one million. Elevated activity on platforms such as prediction markets has contributed to sustained token burns, steadily reducing circulating supply.
Understanding Polygon
Polygon is a decentralised infrastructure platform designed to improve Ethereum’s scalability. It enables developers to deploy high-speed, low-cost applications while maintaining Ethereum-level security through advanced cryptographic techniques, including zero-knowledge proofs.
Originally launched as Matic Network, the project has since rebranded and repositioned itself as the “Value Layer of the Internet.” POL now serves as the core utility token, used for transaction fees across Polygon-connected chains, network security via staking, and on-chain governance.
Polygon’s appeal lies in its ability to dramatically reduce transaction costs compared to Ethereum’s mainnet. While some developers opt for alternative ecosystems such as Solana, those committed to Ethereum’s environment often choose Polygon for its balance of speed, security, and composability.
Key Drivers Behind Polygon’s Price
Network adoption remains the primary catalyst for long-term price performance. Polygon has secured partnerships with global brands including Nike, Starbucks, and Disney, many of which leverage the network for NFT issuance and customer engagement programs.
AggLayer is another major growth lever. By unifying liquidity and execution across multiple chains, it reduces fragmentation and enhances capital efficiency throughout the ecosystem.
Token economics have also improved following the POL upgrade. The burn mechanism now scales directly with network usage, introducing a deflationary dynamic during periods of high activity. Approximately 3.6 billion POL tokens are currently staked, indicating strong long-term holder conviction.
Competition, however, remains intense. Layer 2 rivals such as Arbitrum and Optimism continue to target similar developer and user bases. Polygon’s ability to maintain leadership in zero-knowledge infrastructure will be critical. Regulatory clarity in the United States could also influence institutional adoption, particularly if compliance pathways become more defined.
Polygon Price Forecast by Horizon
Short-Term Outlook (Next 3–6 Months)
Technical indicators currently point to neutral momentum. $POL is holding above key support levels established late last year, with analysts projecting a near-term trading range between $0.10 and $0.22.
A sustained move above $0.17 would signal a shift in sentiment, potentially driven by a full production rollout of AggLayer.
Medium-Term Outlook (2026–2027)
Polygon’s “Gigagas” roadmap aims to scale throughput toward 100,000 transactions per second by 2027, bringing performance closer to traditional payment rails such as Visa.
If executed successfully, this expansion could support price appreciation into the $0.45–$1.10 range. Institutional demand for zkEVM infrastructure may further reinforce this trajectory.
Long-Term Outlook (2030 and Beyond)
By 2030, Polygon’s success would be defined by ubiquity. Use cases could span gaming, real-world asset tokenisation, enterprise applications, and financial infrastructure.
Under this scenario, POL could realistically trade between $2.50 and $5.00, assuming Polygon becomes a core aggregation layer for multi-chain activity and maintains relevance across cycles.
Technical Perspective
From a charting standpoint, Polygon is in a consolidation phase following an extended downtrend. The token remains below its 200-day moving average near $0.22, a level that would need to be reclaimed to confirm a broader trend reversal.
Strong support is visible around $0.11, with secondary downside protection near $0.09. On the upside, resistance zones at $0.15 and $0.17 must be cleared to unlock momentum.
Momentum indicators remain balanced. The Relative Strength Index sits near 45, suggesting neither overbought nor oversold conditions. Meanwhile, a modest bullish crossover on the MACD hints that selling pressure may be fading. Volume confirmation will be key in validating any breakout.
Bullish and Bearish Scenarios
Bullish Case

Polygon benefits significantly if AggLayer successfully aggregates liquidity across multiple chains. Additional upside could come from financial institutions deploying private or hybrid networks using Polygon’s development kit. A sustained imbalance where token burns exceed issuance would further tighten supply.
Bearish Case

Risks include user migration toward more centralised ecosystems, regulatory challenges affecting Layer 2 classifications, or technical vulnerabilities within bridging infrastructure. Slowing network growth combined with elevated staking emissions could also pressure valuations.
Investment Perspective
Polygon remains a compelling option for investors with long-term confidence in Ethereum’s evolution. It serves as foundational infrastructure rather than a speculative narrative, making it better suited for utility-focused holders.
Liquidity across major exchanges reduces execution risk, although exposure to broader market cycles remains unavoidable. Competition within the Layer 2 landscape is fierce, and technological leadership must be continuously defended.
As with all digital assets, capital allocation should reflect individual risk tolerance.
Frequently Asked Questions
Can Polygon reach $10?

A $10 valuation would imply a market capitalisation exceeding $100 billion, which is unlikely in the near term. While possible in an extreme long-term bullish scenario, a $3–$5 range is more realistic.
Is POL a safe long-term hold?

Polygon is among the most battle-tested networks in crypto, supported by a large development team and audited technology. While no blockchain is risk-free, Polygon benefits from strong governance and institutional engagement.
Where can POL be purchased?

POL is available on major exchanges including Binance, Coinbase, OKX, Kraken, and MEXC. Most platforms have already completed MATIC-to-POL conversions
What replaced MATIC?

MATIC was upgraded to POL to enable a multi-chain staking and security model. POL supports restaking, allowing validators to secure multiple chains simultaneously.
Why are token burns so high?

Rising activity, particularly on prediction and DeFi platforms, generates transaction fees. A portion of these fees is permanently removed from supply, reinforcing POL’s deflationary mechanics.
Closing Thoughts
Polygon’s roadmap is ambitious, but its direction is clear. By focusing on aggregation rather than fragmentation, the network is positioning itself as a structural layer for Web3’s next phase.
Price action may remain subdued in the short term, but ecosystem fundamentals continue to strengthen. Investors should track protocol upgrades closely and maintain portfolio diversification.
Disclaimer: #BFMTimes provides informational content only and does not offer financial advice. Always consult a qualified advisor before making investment decisions.

Rather than positioning himself as a market forecaster or price oracle, Kapoor has consistently framed his role around education. His focus has been clear from the start: helping participants understand volatility, manage risk, and remain active in the market long enough for opportunity to matter.
Wise Advice Crypto and Its Foundational Belief
#WiseAdvice Crypto is built on a principle many overlook in fast-moving markets-longevity comes before profitability. Through his platforms, #SumitKapoor emphasizes market structure, cycle awareness, and the psychological resilience required to operate in uncertain conditions.
His content deliberately avoids bold guarantees. Instead, it examines how narratives form during bull phases, how fear dominates during corrections, and how participants can learn to navigate both. This grounded approach has positioned Wise Advice Crypto as an education-led platform rather than a signal-based outlet.
Prioritising Survival Over Short-Term Gains
A recurring theme in Kapoor’s messaging is that staying in the game matters more than chasing outsized returns. He regularly addresses how unchecked leverage, emotional reactions, and herd behaviour can erase months of gains in minutes.
Importantly, he does not shy away from discussing losses-his own or those experienced across the market. By openly acknowledging mistakes, he reinforces the idea that experience compounds over time. This transparency has made his work particularly relevant for retail participants often exposed to speculative cycles.
Understanding Trends Without Following the Crowd
While Wise Advice Crypto does analyse emerging narratives, including altcoins and meme-driven markets, Kapoor remains cautious in framing opportunity. He frequently uses macro comparisons-such as shifts in ecosystem market capitalisation-to explain broader capital rotation rather than promoting specific trades.
The emphasis is on why attention is moving, not where to deploy capital blindly. This approach encourages followers to interrogate narratives, assess liquidity movement, and understand timing without assuming inevitability.
A Community Built Around Collective Learning
At the centre of Wise Advice Crypto is its community of over 1.3 million members. Rather than functioning as a one-way broadcast channel, the community operates as a shared learning environment.
Members openly discuss trades, missteps, sentiment shifts, and emerging narratives. This collective scrutiny helps reduce overreliance on any single viewpoint-including Kapoor’s-and strengthens individual decision-making through dialogue.
Industry Recognition and Credibility
Kapoor’s work has gained recognition beyond engagement metrics. His nomination for Forbes 30 Under 30 Portugal highlights his contribution to crypto education, while additional acknowledgements shared across his platforms reflect his growing standing as a leading Asian crypto voice.
These recognitions align with his consistent focus on education, risk awareness, and community development-rather than short-term influence or viral impact.
Meme Coins as a Lesson in Market Psychology
Commenting on the rise of a trending meme asset, Kapoor recently noted that such movements are driven by attention rather than utility. Rather than dismissing meme culture outright, he used the moment to explain how attention cycles function in crypto markets.
The takeaway was clear: popularity does not equal value. His framing reinforced the importance of separating emotional reactions from informed decision-making, especially during speculative surges.
Beyond Daily Updates: A Long-Term Educator
Over time, Kapoor’s role has evolved beyond commentary. His work increasingly reflects a long-term educational mission-helping everyday participants develop habits that allow them to remain engaged across multiple market cycles.
The priority is sustainability, not overnight success.
Why Wise Advice Continues to Resonate
Sumit Kapoor represents a disciplined, risk-aware voice in an industry dominated by noise. Through education, community engagement, and realistic framing, Wise Advice Crypto stands out by teaching not just how to enter markets-but how to stay in them.
Disclaimer: #BFMTimes is an informational platform and does not provide financial advice. Readers are advised to consult a qualified financial professional before making any investment decisions.

Stone is no longer defined solely as a content creator. Today, he operates as a digital entrepreneur who understands how influence, audience psychology, and scalable distribution intersect in the modern economy.
From Early Digital Experimentation to Influence at Scale
Details about #JasonStone ’s early personal life are largely absent by design. Rather than leaning on a dramatic backstory, his trajectory is best explained through his early immersion in digital business. He entered social media with a systems-first mindset, launching and managing motivational Instagram pages while closely analyzing performance metrics. This phase shaped his understanding of engagement behavior, content velocity, and how ideas spread online. The Millionaire Mentor brand emerged from this foundation, built on repeatable frameworks rather than personal theatrics.
Scaling Reach Through Discipline and Structure
Millionaire Mentor grew into a multi-million-follower platform by delivering concise, targeted insights focused on discipline, mindset, and long-term thinking. Stone has openly documented the development of multiple six-figure social media accounts, positioning platforms not as creative outlets, but as operational infrastructure. His restraint sets him apart. Instead of trend-hopping or emotional bait, the content consistently returns to universal principles-personal responsibility, patience, and clarity-making it globally relatable and highly shareable.
The MillMentor Operating Philosophy
At the center of Stone’s work is a clear conviction: outcomes are driven more by behavior than capital. His messaging emphasizes execution, self-discipline, and accountability over shortcuts or speculative optimism. MillMentor functions less like a motivational brand and more like a daily operating system. For many followers, the content acts as reinforcement-small, consistent inputs that compound over time.
Media Presence and Peer Collaboration
Stone regularly appears in digital interviews, podcasts, and discussions focused on entrepreneurship, social media growth, and mindset development. His work is frequently referenced in conversations around Instagram brand-building and content strategy. He has also collaborated openly with other creators in the personal development space, reinforcing his position as an active practitioner rather than a detached commentator.
Global Audience and Sustained Engagement
Millionaire Mentor’s reach spans geographies and demographics, driven by themes that translate across cultures. Engagement patterns suggest the content is consumed as part of a routine, not in isolated bursts-an indicator of lasting relevance within the creator economy. Stone continues to publish consistently across platforms, favoring sustained presence over short-lived visibility.
Shaping Modern Entrepreneurial Thinking
Jason Stone’s influence stems from his ability to simplify complex ideas without diluting their substance. Operating at the intersection of personal growth and digital entrepreneurship, he has built credibility by focusing on execution rather than exhibition. As Millionaire Mentor, his role continues to evolve-not as a concluded success story, but as a steady voice shaping how modern audiences think about discipline, growth, and long-term success.
Disclaimer: #BFMTimes provides information strictly for knowledge and educational purposes and does not offer financial advice. Readers are advised to consult a qualified financial professional before making investment decisions.

Evan Luthra: Building, Investing, and Shaping the Future of Technology
#EvanLuthra is the founder and CEO of EL Group International, a global startup studio and investment firm focused on identifying and scaling high-growth technology ventures. His career reflects more than early entrepreneurial success; it represents long-term consistency across product building, angel investing, and cross-border innovation. Rather than following trends, Luthra has repeatedly positioned himself at the intersection of execution, scalability, and emerging technologies.
Learning by Building From a Young Age
Unlike many founders who enter technology through formal education or corporate roles, Evan Luthra began building products at just thirteen. What started as curiosity quickly evolved into hands-on creation. By his teenage years, he had already developed over thirty mobile applications, gaining real exposure to product development cycles, user behavior, and scaling challenges.
At seventeen, Luthra exited his first company-an experience that offered early lessons in acquisitions, valuations, and operational growth. Instead of treating the exit as an endpoint, he used it as a foundation for a long-term commitment to building technology-driven businesses, reinforcing a mindset centered on learning through execution rather than theory.
EL Group International: Scaling Innovation Globally
As founder and CEO of #ELGroupInternational , Luthra leads a globally active organization dedicated to creating, developing, and investing in technology-focused ventures. The firm operates across multiple geographies, reflecting his belief that innovation should not be restricted by borders.
The group’s portfolio spans mobile technology, digital platforms, emerging technologies, and blockchain-based products. Its core philosophy remains consistent: build scalable products, strengthen operational fundamentals, and prioritize long-term value creation over short-term hype. Luthra’s background as a product builder allows him to remain closely involved in execution-bridging the gap between vision and delivery, a capability often missing in fast-moving tech ecosystems.
Angel Investing Through a Startup Studio Lens
Beyond operating companies, Evan Luthra is an active angel investor who follows a startup studio model. His approach extends well beyond capital deployment. Founders receive mentorship, infrastructure support, and access to global markets-resources that are often critical in the earliest stages of growth.
By working closely with early-stage teams, Luthra helps founders refine ideas, develop products, and scale efficiently. This hands-on involvement reflects his belief that first-time founders benefit most from experienced operators who understand product-market fit, team building, and sustainable growth mechanics. Through this model, he has contributed to a more globally connected startup ecosystem built on collaboration rather than isolation.
Championing Web3 and Decentralized Infrastructure
A central focus of Luthra’s current work lies in Web3 and blockchain technology. He consistently advocates for decentralization, digital ownership, and the transition from platform-controlled systems to user-driven networks.
Rather than viewing blockchain as a speculative trend, Luthra positions it as foundational infrastructure for the future internet-one where creators, builders, and users maintain greater control over data, assets, and value creation. This perspective aligns with his broader philosophy: technology should distribute power, not concentrate it. His contributions have positioned him as a respected voice in discussions around decentralized innovation and digital economies.
Global Recognition and Industry Presence
Evan Luthra’s work has earned international recognition, including being named to the Forbes 30 Under 30 list. Beyond accolades, he is a frequent speaker at global technology, startup, and blockchain conferences, where he shares insights on entrepreneurship, emerging technologies, and navigating rapidly evolving digital landscapes.
His influence is rooted in execution and experience, not commentary alone. Years of building, investing, and operating across markets give his perspectives practical credibility within the global tech community.
Addressing Policy Barriers to Crypto Adoption
Luthra has also been vocal about regulatory challenges affecting global crypto adoption. In a recent public discussion, he highlighted how high crypto taxation in several countries could slow innovation and discourage builders and investors.
He pointed to jurisdictions with some of the highest crypto tax rates, including France (~62%), Japan (55%), Austria (55%), Denmark (~53%), Finland (~53%), Canada (~53%), Ireland (~52%), Sweden (~52%), Belgium (50%), Israel (50%), the United States (~50%), the Netherlands (49.5%), Spain (47%), Iceland (46%), and Germany (45%).
By drawing attention to this data, Luthra reinforced his view that balanced, forward-looking regulation plays a decisive role in fostering sustainable Web3 ecosystems.
Why Evan Luthra Remains Relevant
In an industry defined by rapid cycles and constant narrative shifts, Evan Luthra’s relevance stems from durability. From building mobile apps as a teenager to shaping conversations around Web3 infrastructure, his journey reflects adaptability, execution, and a clear understanding of where technology is headed.
As the digital economy becomes increasingly decentralized and globally interconnected, individuals who can bridge early-stage innovation with long-term sustainability matter more than ever. Evan Luthra stands out as one such figure-worth watching as Web3 and emerging technologies continue to evolve.

Disclaimer: #BFMTimes is an informational platform and does not provide financial advice. Readers are advised to consult a qualified financial professional before making any investment decisions.

Choosing the Right #stablecoin Model
Stablecoins attract users because they are designed to hold a steady value. Before anything else, a project must decide how that stability will be maintained. In most cases, the goal is simple: keep the token pegged to $1. Achieving that peg typically follows one of three established approaches.
The most widely accepted option is the fiat-backed model. This structure is favoured by regulators and institutions. Tokens such as #USDC and #USDT follow this approach by holding one dollar, or an equivalent low-risk asset like U.S. Treasury bills, for every token in circulation. Its appeal lies in transparency and simplicity, making it easy for users to trust.
The second approach is crypto-backed stablecoins. These rely on smart contracts that lock up cryptocurrencies as collateral. To account for market volatility, they are overcollateralised. For example, $150 worth of Ethereum may be locked to issue $100 worth of stablecoins. This buffer helps absorb price fluctuations in the underlying asset.
The third option is the algorithmic or hybrid model, which attempts to maintain the peg through automated supply adjustments and economic incentives rather than direct backing. While innovative, this design has largely fallen out of favour after the collapse of Terra in 2022. As a result, many jurisdictions, including the European Union, now restrict or ban purely algorithmic stablecoins.
The Regulatory Reality
Regulation is no longer optional-it is the single biggest hurdle to launching a stablecoin. Each jurisdiction enforces its own framework, and non-compliance can shut a project down before it begins.
In the United States, legislation such as the GENIUS Act and the Clarity Act sets strict conditions. Issuers are generally required to be licensed banks or state-approved entities, with mandatory monthly disclosures proving reserve backing. In the European Union, MiCAR governs stablecoins and requires issuers to obtain an Electronic Money Institution license, alongside full reserve backing.
Other regions, including Hong Kong and the UAE, apply similar standards. Many require a local legal presence and reserves held in domestic currency. These requirements make entry costly. Even in relatively friendly jurisdictions like Singapore, legal fees alone can reach $50,000. In the U.S., total compliance costs can easily exceed $500,000.
Building the Technical Foundation
On the technical side, most stablecoins are built on well-established blockchains such as Ethereum or Solana due to their security, developer ecosystems, and tooling.
Regulated stablecoins must also include advanced controls in their smart contracts. These often allow authorised parties to mint, burn, or freeze tokens in response to hacks, theft, or legal orders. Without these safeguards, regulators are unlikely to grant approval.
Reliable price data is another requirement. Projects typically integrate decentralised oracle networks to track real-time market prices. Security audits are mandatory, with firms charging anywhere between $5,000 and $30,000 per audit, depending on complexity.
Bridging #crypto and Traditional Finance
For fiat-backed stablecoins, connecting to the traditional banking system is often the most challenging step. Issuers must partner with a qualified custodian to securely hold user funds.
To simplify this process, many teams rely on “stablecoin-as-a-service” providers. These platforms offer APIs that manage custody and banking integrations, reducing setup time but adding recurring fees.
In addition, issuers must work with accounting firms to publish monthly proof-of-reserves reports. Between technology, audits, and compliance, core infrastructure costs typically range from $20,000 to $60,000, while legal expenses can span $50,000 to well over $250,000.
Liquidity is another major consideration. Launching a usable stablecoin often requires between $100,000 and $1 million in initial liquidity, plus marketing budgets of $50,000 to $150,000.
All told, launching a compliant stablecoin usually costs between $220,000 and $1.5 million and takes at least seven months from planning to deployment.
Disclaimer: #BFMTimes provides information for educational purposes only and does not offer financial advice. Readers should consult qualified professionals before making any financial decisions.