Copy
Trading Bots
Events

关于【Investment】问题列表

71个加密货币问题

Share your thoughts with BYDFi

Last
按点赞数
按浏览量
2025-09-12 ·  3 months ago
0 0461
  • Sony's Power Play: Pay for Games with Its Own Crypto by 2026

    Sony isn’t just playing games—it’s building a blockchain-powered financial ecosystem for its millions of fans.

    In a landmark move bridging traditional entertainment, gaming, and Web3, Sony Bank—the financial arm of the Sony empire—is gearing up to launch its own U.S. dollar-pegged stablecoin by 2026. According to a recent Nikkei report, this digital currency is poised to become a primary payment method across Sony’s vast ecosystem, including PlayStation games, subscriptions, and anime content.



    The Vision: Seamless Crypto Payments for 30% of Sony’s Market

    Targeting the crucial U.S. market—which accounts for nearly one-third of Sony Group’s external sales—the stablecoin will offer an alternative to credit cards, potentially slashing transaction fees and streamlining purchases. Imagine buying the latest PlayStation blockbuster or subscribing to Crunchyroll with Sony’s own digital currency—fast, secure, and integrated.

    Key Details:

    1- License Pursuit: Sony Bank applied for a U.S. banking license in October 2024 to form a stablecoin-focused subsidiary.

    2- Strategic Partnership: The company has teamed up with U.S. stablecoin issuer Bastion, with Sony’s venture arm also investing in Bastion’s recent $14.6 million funding round led by Coinbase Ventures.

    3- Ecosystem Integration: The stablecoin will work alongside existing payment options, marking a gradual, user-friendly onboarding into crypto for millions.




    Beyond Payments: Sony’s Web3 Ambitions Take Center Stage

    This isn’t Sony’s first step into the decentralized future. In June 2024, Sony Bank established a dedicated Web3 subsidiary, BlockBloom, with an initial capital of 300 million yen ($1.9 million).

    BlockBloom’s mission? To create an interconnected ecosystem blending:

    1- Fans & Artists

    2- NFTs (Non-Fungible Tokens)

    3- Digital and Physical Experiences

    4- Fiat and Digital Currencies

    Digital assets utilizing blockchain technology are incorporated into a diverse range of services and business models,” Sony Bank stated earlier this year. “Financial services, such as wallets… and crypto exchange providers are becoming increasingly important.



    Strategic Independence: A Financial Giant Unshackled

    The stablecoin initiative follows a significant corporate reshuffle: the spin-off and listing of Sony Financial Group on the Tokyo Stock Exchange in September 2024. This separation allows the financial arm to operate with greater agility and focus, free from the conglomerate’s broader balance sheet—a clear signal that Sony is serious about innovating in the digital asset space.



    Why This Is a Game-Changer

    1- Mass Adoption Catalyst: Sony brings a massive, loyal user base from gaming and entertainment into the crypto sphere.

    2- Trust & Scale: As a globally trusted brand, Sony’s entry legitimizes stablecoins and blockchain for everyday use.

    3- Redefined Fan Engagement: This move paves the way for NFT-based game assets, exclusive digital collectibles, and novel fan-artist economies through BlockBloom.

    Cointelegraph has reached out to Sony Bank for further comment on the stablecoin launch timeline and technical specifics.



    The Bottom Line: Sony is methodically constructing a bridge between its iconic entertainment universe and the future of digital ownership and finance. By 2026, paying for your PlayStation Plus subscription with a Sony stablecoin could be as normal as using a credit card today. The fusion of gaming, anime, and crypto is no longer a speculative concept—it’s Sony’s official 2026 roadmap.

    2025-12-05 ·  2 hours ago
    0 01
  • How Do Chase Certificate of Deposit Rates Compare in 2025?

    Understanding Chase CD Rates in 2025: What You Really Need to Know

    If you’ve recently searched for “Chase CD rate” or best Chase certificate of deposit rates . With inflation still nibbling at your savings and the stock market offering a rollercoaster ride, many people are turning back to Certificates of Deposit (CDs) as a safe, predictable way to grow money.

    But then the shock hits: “Why are Chase CD rates so low?

    In this article, we’ll break down:

    • What CD rates Chase is currently offering
    • Why their rates may seem less competitive
    • Smart alternatives and how to make the best decision for your savings



    What Are Chase CD Rates in 2025?

    Certificates of Deposit (CDs) are a safe way to lock in your savings for a fixed period while earning a guaranteed return. Chase CD rates vary depending on whether you’re a new customer or an existing one with a linked Chase checking account, which unlocks higher relationship rates.



    Standard vs. Relationship Rates

    • Standard Rates: For non-Chase checking account holders, the standard Annual Percentage Yield (APY) is a dismal 0.01% across all terms, regardless of deposit size. This is significantly lower than the national average for CDs, which hovers around 1.81% for a six-month term.
    • Relationship Rates: If you link a Chase personal checking account, you can access tiered relationship rates, which are more competitive but still lag behind online banks. For example, Chase’s best CD rate is for a 2-month term, offering up to 4.0% APY with a $100,000 minimum deposit. Shorter terms like 3-month and 12-month CDs also offer competitive rates, but only for high-balance tiers.





    Term Lengths and Minimum Deposits

    Chase provides a wide range of CD terms, from 1 month to 10 years, giving you flexibility to align with your financial goals. However, you’ll need at least $1,000 to open a CD, which is standard but higher than some competitors offering $0 or $500 minimums.Here’s a quick snapshot of Chase certificate of deposit rates for select terms (relationship rates, as of May 2025):

    • 2-month CD: Up to 4.0% APY ($100,000+ deposit)
    • 3-month CD: 2.0–3.0% APY (varies by deposit amount)
    • 12-month CD: 1.5–2.25% APY ($100,000+ deposit)
    • Longer terms (e.g., 5–10 years): Often below 1.0% APY, even for relationship customers

    Note: Rates may vary by region, so check with Chase for the most accurate figures in your area.




    Why Are Chase CD Rates So Low?

    If you’ve been Googling “why are Chase CD rates so low,” you’re not alone. Many savers are frustrated by Chase’s lackluster returns, especially when compared to online banks offering APYs of 4–5% or higher. Here’s why Chase’s rates fall short:

    1. Big Bank Overhead: As one of the largest banks in the U.S., Chase operates thousands of branches and ATMs, which come with high operational costs. These expenses often lead to lower interest rates on deposit accounts like CDs and savings. Online-only banks, like Ally or Marcus by Goldman Sachs, avoid these costs and pass the savings to customers through higher APYs.
    2. Focus on Convenience: Chase prioritizes accessibility and customer service, with over 4,700 branches and 15,000 ATMs nationwide. For customers who value in-person banking or keeping all accounts under one roof, Chase CDs are a convenient choice, even if the rates aren’t the highest.
    3. Relationship Rate Dependency: Chase reserves its best rates for loyal customers with linked checking accounts. Without one, you’re stuck with the 0.01% APY standard rate, which is practically negligible. Even relationship rates don’t always compete with top online banks.
    4. Economic Factors: CD rates are influenced by the federal funds rate, inflation, and market dynamics. With the Federal Reserve expected to cut rates in 2025, banks like Chase may lower CD rates further to align with the economic environment.




    What Is the Best CD Rate at Chase Bank?

    For those set on banking with Chase, the best CD rate is currently the 2-month CD at 4.0% APY, but there’s a catch: you need a $100,000 minimum deposit and a linked Chase checking account to qualify. This makes it less accessible for the average saver. For smaller deposits ($1,000–$9,999), the APY drops significantly, often below 2.0%.If you’re a Chase Private Client Checking customer,

    you can also explore CD ladders, which combine multiple terms (e.g., 1, 2, 3, and 4 months or 3, 6, 9, and 12 months) to balance liquidity and returns. However, even these specialized products don’t match the yields of online banks.




    Pros and Cons of Chase CDs

    Pros

    • Wide Range of Terms: From 1 month to 10 years, Chase offers flexibility to suit short- or long-term savings goals.
    • FDIC Insurance: Your deposits are insured up to $250,000 per depositor, ensuring safety.
    • Relationship Benefits: Higher APYs for customers with linked checking accounts, especially for high-balance tiers.
    • Convenient Access: Open CDs online if you’re an existing Chase customer, or visit one of thousands of branches.
    • Daily Compounding: Interest compounds daily, slightly boosting your earnings over time.

    Cons

    • Low Standard Rates: Non-relationship rates are a measly 0.01% APY, far below the national average.
    • High Minimum Deposit: $1,000 is required to open a CD, which may be a barrier for some.
    • Early Withdrawal Penalties: Penalties range from 90 days to 365 days of interest, depending on the term, making early access costly.
    • Better Rates Elsewhere: Online banks like Community Wide Federal Credit Union offer APYs as high as 5.30%, dwarfing Chase’s offerings.




    How to Open a Chase CDReady to explore Chase Bank CD interest rates?

    Here’s how to get started:

    1. Check Eligibility: If you have a Chase checking account, you can open a CD online. Otherwise, schedule an appointment with a banker at a local branch.
    2. Gather Documentation: You’ll need a U.S. ID, Social Security number, and proof of address. Non-U.S. citizens can use a Matricula Consular or foreign passport.
    3. Deposit at Least $1,000: Choose your term and deposit amount, keeping in mind that higher deposits unlock better rates.
    4. Understand Penalties: Early withdrawals incur penalties (90–365 days of interest), so ensure you can commit to the term.
    5. Monitor Maturity: You have a 10-day grace period post-maturity to withdraw funds or adjust terms; otherwise, the CD auto-renews.





    Final Thoughts: Are Chase CDs Worth It?

    While Chase CD rates offer convenience and safety, they fall short for savers seeking high returns. The best CD rate at Chase Bank—4.0% APY for a 2-month term with a $100,000 deposit—is competitive for a brick-and-mortar bank but pales compared to online banks and credit unions. If you’re wondering why are Chase CD rates so low,

    it’s largely due to their operational costs and focus on existing customers .For U.S. savers looking to grow their money in 2025, compare rates across banks to ensure you’re getting the best deal. If convenience is king, Chase might work for you. But if you want to maximize your earnings, explore high-yield CDs or savings accounts from online institutions. Ready to take control of your savings? Visit Chase.com or check out competitors like Ally or Marcus for better rates today!

    2025-07-14 ·  5 months ago
    0 0417
  • Best SBA Lenders in 2025: How to Find the Right Bank for Your SBA Loan

    If you're a small business owner wondering what banks do SBA loans or who does SBA loans, you're in the right place. SBA loans are a popular financing option backed by the U.S. Small Business Administration, but the loans themselves come from approved lenders like banks, credit unions, and specialized financial institutions. Choosing the right SBA lender can make a big difference in your loan approval process, interest rates, and overall experience.


    In this detailed guide, we’ll cover the best SBA lenders for 2025, explain how SBA loans work, and give you tips on finding the best banks for SBA loans that fit your business needs.

    What Are SBA Lenders and How Do SBA Loans Work?

    SBA lenders are financial institutions authorized by the SBA to offer loans partially guaranteed by the government. This guarantee reduces the lender’s risk, allowing them to offer more favorable terms such as lower down payments, longer repayment periods, and competitive interest rates.


    The SBA doesn’t lend money directly; instead, it partners with these lenders to help small businesses access capital. SBA loans come in various types, with the most common being:

    • SBA 7(a) loans: The most popular loan type, used for working capital, equipment, real estate, and debt refinancing.
    • SBA 504 loans: Designed for purchasing fixed assets like real estate or large equipment, often involving a Certified Development Company (CDC) alongside a bank.
    • SBA Microloans: Smaller loans (up to $50,000) offered through nonprofit intermediaries to help startups and small businesses.

    Who Are the Best SBA Lenders in 2025?

    Based on loan volume, approval rates, and borrower experience, here are some of the top SBA lenders to consider:

    1. Newtek Bank

    Newtek Bank is currently the most active SBA lender by total loan amount, having issued over $1 billion in SBA 7(a) loans in fiscal year 2025. They serve U.S.-based, for-profit businesses with at least two to three years of tax returns. Newtek offers personalized service with a dedicated lending specialist who guides you through the entire process.

    2. Huntington National Bank

    Huntington approved the most SBA 7(a) loans in fiscal year 2024 and continues to be a top lender in 2025. They offer loans up to $5 million with down payments as low as 10%, along with SBA Express loans for faster access to smaller amounts. Huntington also runs the Lift Local Business Program, supporting minority-, women-, and veteran-owned businesses with financial education and SBA loan assistance.

    3. Northeast Bank

    Northeast Bank is a top lender by number of loans approved and total loan amount. Based in Maine, it offers SBA 7(a) loans up to $500,000 and streamlines the application process through online tools, making it easier for borrowers to apply with fewer documents.

    4. Readycap Lending

    Readycap Lending, a subsidiary of Ready Capital, has issued over $550 million in SBA 7(a) loans in 2025. They provide loans ranging from $350,000 to $5 million for business expansion, equipment purchase, working capital, and refinancing.

    5. Live Oak Banking Company

    Live Oak Bank is the second-most active SBA 7(a) lender by dollar amount and offers an online-based application process nationwide. They provide loans up to $5 million with up to 90% financing and typically require a 10% down payment. Live Oak also offers SBA 504 loans for larger projects.

    6. JPMorgan Chase Bank

    JPMorgan Chase, one of the largest banks in the U.S., offers SBA 7(a) loans up to $5 million and SBA Express loans up to $500,000. They provide SBA 504 loans for equipment and real estate purchases, with dedicated loan officers to assist borrowers.

    7. Lendistry

    Lendistry is a minority-led community development financial institution that focuses on underserved communities. They offer SBA 7(a) loans between $25,000 and $5 million with an entirely online application process and personalized customer support.

    8. TD Bank

    TD Bank ranks among the top SBA lenders by loan approval count and offers SBA 7(a) loans up to $5 million, SBA 504 loans, and SBA Express loans up to $350,000.

    9. BayFirst National Bank

    BayFirst offers a fast funding SBA Bolt Loan program with amounts up to $150,000 and funding within days. They also provide standard SBA 7(a) loans up to $5 million.

    10. Celtic Bank

    Celtic Bank offers SBA 7(a) loans up to $5 million, Express loans up to $150,000, construction loans, and SBA loans over $5 million. They are a preferred SBA lender headquartered in Utah.

    How to Choose the Best SBA Lender for Your Business

    Finding the right SBA lender depends on your business needs and preferences. Here are some tips:

    • Start with your current bank or credit union: Existing relationships can speed up approval.
    • Use the SBA Lender Match tool: Answer a few questions on the SBA website to get matched with lenders suited to your needs.
    • Compare loan terms: Interest rates, fees, repayment terms, and down payment requirements vary by lender.
    • Ask about the application process: Does the lender assign a dedicated loan specialist? How long does approval typically take?
    • Check if the lender is SBA Preferred: Preferred Lenders can approve loans faster without SBA review.

    What Do SBA Lenders Look For?

    To qualify for an SBA loan, lenders typically require:

    • A credit score of at least 640.
    • A solid business plan and financial statements.
    • Proof of ability to repay the loan.
    • Collateral for larger loans.
    • Usually two or more years in business (some exceptions for microloans).

    Final Thoughts on SBA Lenders

    SBA loans can be a lifeline for small businesses, offering affordable financing with flexible terms. Choosing the right SBA lender is crucial to getting the best deal and a smooth application experience. Whether you go with a big bank like JPMorgan Chase or a specialized lender like Live Oak Bank, make sure to shop around, prepare your documents, and understand your options.

    2025-07-07 ·  5 months ago
    0 0703
  • The Magic of Compounding: Master the Compound Interest Formula - with Excel & Tools

    What Is Compound Interest, and Why Should You Care?

    Before diving into the compound interest formula, let’s clarify what compound interest is. Unlike simple interest, which only earns interest on the initial amount (principal), compound interest earns interest on both the principal and the accumulated interest over time. This snowball effect can lead to exponential growth, making it a powerful tool for wealth-building, whether you're investing in a savings account, fixed deposit, or stock market portfolio.

    Imagine this: You’re in the U.S., investing $5,000 in a savings account with a 5% annual interest rate, compounded yearly. After 10 years, your money could grow significantly more than with simple interest. Curious about the exact numbers? That’s where the compound interest formula comes in!



    Compound Interest Formula Table : Your Wealth-Building Blueprint


    Common Values for n (Compounding Frequency)



    Continuous Compound Interest Formula: Taking It to the Next Level For those who want to geek out on finance, there’s a variation called the continuous compound interest formula. This assumes interest is compounded infinitely, using the mathematical constant e (approximately 2.718). The formula is:

    A = P * e^(rt) Where:

    • e = the base of the natural logarithm
    • r = the annual interest rate
    • t = time in years

    This formula is less common in everyday banking but is often used in advanced financial modeling or investments like bonds. For most people, the standard compound interest formula is more practical, but knowing the continuous version can deepen your understanding of how compounding works at its theoretical maximum.




    How to Use the Compound Interest Formula in Real Life

    Let’s make this practical. Suppose you’re in the UK, saving £10,000 in a high-yield savings account with a 4% annual interest rate, compounded monthly (n = 12). You plan to leave it for 5 years (t = 5).

    Plugging into the compound interest formula: A = 10,000 (1 + 0.04/12)^(12*5)  ,   A = 10,000 (1 + 0.003333)^60A = 10,000 (1.003333)^60  , A ≈ 10,000 * 1.22099  ,  A ≈ £12,209.90

    In five years, your £10,000 grows to £12,209.90—without lifting a finger! This example shows why understanding the formula for calculating compound interest is critical for anyone serious about growing their wealth.




    Using a Compound Interest Formula Calculator

    Not a math whiz? No problem! A compound interest formula calculator can do the heavy lifting for you. These online tools are widely available and allow you to input your principal, interest rate, compounding frequency, and time to get instant results.

    Popular platforms like Bankrate, NerdWallet, or even apps in India like Groww offer free calculators tailored to your currency and country.

    When choosing a calculator, ensure it allows you to adjust the compounding frequency (n) to match your investment, whether it’s daily, monthly, or annually.




    Common Questions About the Compound Interest Formula

    What Is the Formula for Compound Interest?

    As we’ve covered, it’s A = P (1 + r/n)^(nt). This formula accounts for the principal, interest rate, compounding frequency, and time to calculate your total returns.

    What Is n in Compound Interest Formula?

    The variable n represents the number of times interest is compounded per year. For example, if your bank compounds interest monthly, n = 12. If it’s quarterly, n = 4 .

    How Does Compound Interest Differ Across Countries?

    The compound interest formula is universal, but interest rates and compounding frequencies vary by country and financial institution. For instance, savings accounts in the U.S. might offer 3-5% annual rates, while fixed deposits in India could offer 6-8%. Always check your bank’s terms to understand how often interest is compounded.



    Why Compound Interest Matters for Your Financial Future

    Whether you’re a young professional in Singapore saving for a home, a retiree in Australia planning your pension, or a small business owner in Canada investing profits, compound interest can significantly boost your wealth. Here’s why:

    1. Time Is Your Ally: The longer your money compounds, the more it grows. Starting early—even with small amounts—can lead to massive gains.
    2. Passive Growth: Compound interest works while you sleep, making it ideal for long-term goals like retirement or education funds.
    3. Flexibility: Whether you’re investing in a U.S. 401(k), an Indian mutual fund, or a UK ISA, the principle of compounding applies universally.




    Ready to Take Action? Here’s How to Start

    Now that you understand the compound interest formula, it’s time to put it to work. Follow these steps to make smarter financial decisions:

    • Research High-Yield Accounts: Look for savings accounts, fixed deposits, or investment options with competitive interest rates and frequent compounding (e.g., monthly or daily).
    • Use a Calculator: Test different scenarios with a compound interest formula calculator to find the best investment for your goals.
    • Start Small, Start Now: Even $100 invested today can grow significantly over time. Don’t wait for the "perfect" moment.
    • Track with Excel: Use the compound interest formula in Excel to monitor your investments and adjust your strategy as needed.



    Final Thoughts: Your Path to Financial Freedom Starts Here

    The compound interest formula isn’t just a mathematical equation—it’s a roadmap to financial success. By understanding how to calculate compound interest, you can make informed decisions that align with your goals, whether you’re saving for a dream vacation, a new home, or a comfortable retirement. Don’t let the numbers intimidate you—use tools like calculators or Excel to simplify the process and start building your wealth today.




    With BYDFi , you can start investing in crypto and financial products that take advantage of the power of compound growth.

    2025-07-15 ·  5 months ago
    0 0256
  • Benner Cycle 2025 UAE: Market Crash Predictions & How to Profit

    Can the Benner Cycle Guide Your UAE Investments?

    Are you a UAE investor wondering how to time the volatile markets?

    The fear of buying high or selling low can paralyze even seasoned traders. Enter the Benner cycle, a 150-year-old tool created by Ohio farmer Samuel Benner to predict market highs and lows. With its eerie accuracy for events like the 2008 crash, could the Benner cycle chart be your edge in 2025? This guide explores the Benner market cycle and its relevance for UAE investors, helping you act wisely. Ready to master market timing?


    What Is the Benner Cycle? A Historical Gem?

    The Benner cycle, first published in 1875, maps economic ups and downs through three phases: Panic Years (market crashes), Good Times (high prices, time to sell), and Hard Times (low prices, time to buy). Benner’s Benner cycle card identified cycles based on commodity prices like pig iron, tied to 11-year solar patterns. Its predictions, extending to 2059, have aligned with major events like the 1929 Depression. For UAE investors, this historical tool offers a lens to navigate global markets.


    Benner Cycle Chart: Decoding Market Phases

    The Benner cycle chart marks cycles of 16-18-20 years for panics and 8-9-10 years for commodity price lows. It suggests:


    Benner Cycle 2025: UAE Investment Opportunities

    The Benner cycle 2025 predicts a market peak, suggesting strong returns before a 2026-2032 downturn. UAE investors, with access to tax-free markets and platforms like BitOasis, can capitalize on:

    • Equities: Global indices like the S&P 500 may rally.
    • Crypto: Align trades with bullish cycles on BYDFi .
    • Commodities: Gold or oil, key in the UAE, may follow Benner’s commodity cycles.
    • However, UAE regulations require KYC compliance. Is 2025 your year to act?


    Is the Benner Cycle Reliable?

    The Benner cycle pdf resources highlight its 90% success rate for major downturns like 2008, but skeptics note its oversimplification. Veteran trader Peter Brandt calls it “distracting,” arguing modern markets defy old patterns. Yet, its alignment with events like the Dot-Com bubble keeps it relevant. UAE investors should combine it with technical tools like RSI on platforms like Binance. Is it a guide or just history?


    How UAE Investors Can Use the Benner Cycle?

    Ready to leverage the Benner market cycle? Here’s how:

    1. Study the Chart: Access Benner cycle pdf resources online for 2024-2025 forecasts.
    2. Choose Platforms: Trade on UAE-compliant exchanges like BitOasis or  BYDFi.
    3. Diversify: Balance stocks, crypto, and commodities like gold, vital in the UAE.
    4. Monitor News: UAE’s economic policies and global events impact cycles.
    5. Start small to test the cycle’s signals. Stay informed via X for market sentiment.

    Act Now with the Benner Cycle

    The Benner cycle 2025 forecasts a market peak, offering UAE investors a chance to ride the wave before a potential 2026 correction. Don’t let fear of volatility stop you—this historical tool, paired with modern platforms, can guide your trades. Whether you’re in Dubai or Abu Dhabi, the time to act is now. Dive into the Benner cycle chart and start trading smarter with BYDFi today!

    2025-06-17 ·  6 months ago
    0 0436
  • New Version
    Old Version