Finance Trends

Investment strategy where an investor divides the total amount to be invested across periodic purchases of a target asset to reduce the impact of volatility. This method helps to mitigate the risk of investing a large sum at an inopportune time by spreading out the investment over regular intervals regardless of the asset's price. Dollar cost averaging is particularly beneficial for investors looking to minimize risk and avoid market timing errors.

Decentralized exchange (DEX) operating on the BNB Smart Chain, enabling users to swap BEP-20 tokens. Known for its high performance and low network transaction fees, it also features a multi-type referral program that allows users to earn commissions from activities like farming, launch pools, exchanges, and a lottery. Biswap primarily targets cryptocurrency traders and investors looking for efficient and cost-effective token swaps.

Decentralized, high-efficiency, and energy-saving public blockchain compatible with smart contracts and supporting high-performance transactions. HECO Chain differentiates itself by using the HPoS (Hybrid Proof of Stake) consensus mechanism and its native token, HT (Huobi Token), to facilitate transactions and governance. It primarily targets developers and businesses looking for a scalable and efficient blockchain platform for deploying decentralized applications.

Algorithm-driven smart contract platform that supports N-dimensional financial interest rate swaps. Pledge Finance enables the creation of various financial protocols based on Financial NFTs, including insurance, bonds, unique baskets of tokens, and tokenized real-world financial assets, providing a versatile and innovative approach to decentralized finance. This platform primarily targets financial institutions, investors, and developers looking to leverage advanced financial instruments within the blockchain ecosystem.

Sugi is an investment platform focused on sustainable, climate-friendly portfolios designed to help investors align their investments with environmental goals. It provides personalized insights into the carbon impact of various investment portfolios and offers recommendations for reducing carbon footprints through eco-conscious asset choices. Sugi is aimed at environmentally conscious individual investors seeking transparency and positive climate impact within their financial portfolios.

Financial technology company that offers a retail finance platform enabling retailers, lenders, and payment providers to provide instant finance options. The platform supports both B2C and B2B transactions, differentiating itself by facilitating seamless integration and quick credit decisions. Divido primarily serves retailers, financial institutions, and payment providers in the United Kingdom, Germany, and the United States.

Insurtech company specializing in embedded protection, aiming to protect customers of the world's largest digital companies. Cover Genius differentiates itself by integrating insurance solutions seamlessly into the platforms of its partners, providing a streamlined and accessible insurance experience for end-users. The company's services are primarily targeted at digital companies and their customers who seek convenient and integrated insurance solutions.

Technical analysis tool used by traders to identify potential support and resistance levels in financial markets. It is based on the idea that markets will retrace a predictable portion of a move, after which they will continue to move in the original direction, with key levels derived from the Fibonacci sequence. This tool is primarily utilized by traders and investors to determine potential reversal points, entry points, stop-loss levels, and take-profit targets.

Regulatory framework introduced by the Financial Conduct Authority (FCA) to ensure that financial services firms act in the best interests of their customers. It sets higher standards for customer protection and requires firms to provide products and services that are fit for purpose, offer fair value, and are transparent. The framework primarily benefits consumers of financial services by enhancing the quality and fairness of the products and services they receive.

Platform that provides tools and services for building decentralized applications (dApps) on blockchain networks. It offers features such as real-time database, user authentication, and cloud functions, simplifying the development process for blockchain developers. The platform supports multiple blockchain networks, including Ethereum, Binance Smart Chain, and Polygon, making it valuable for developers working on various blockchain projects.

Salary benchmarking, also known as compensation benchmarking, is the process of comparing an organization's compensation levels and practices against those of other organizations. This practice ensures that the organization remains competitive in attracting and retaining talent by collecting and analyzing salary data for similar roles in similar industries and geographic locations. It is particularly beneficial for HR professionals and organizational leaders who aim to maintain equitable and competitive salary structures.

Unethical or illegal practice where a broker or trader executes orders on a security for their own account while taking advantage of advance knowledge of pending orders from their customers. This practice can occur in various contexts, including the stock market, cryptocurrency, and high-frequency trading, and is considered harmful to market integrity and client interests. Front running primarily affects retail investors and clients who rely on brokers and traders to act in their best interest.

A document provided by an employer to an employee each pay period, detailing the employee's earnings and deductions. It includes information such as employee and employer details, pay period dates, earnings breakdown, deductions, net pay, and year-to-date totals. Paystubs are essential for employees to understand their compensation and are often required for financial transactions like loan applications and income verification.

Chromia is a blockchain platform designed to enable decentralized applications (dApps) with high performance and scalability. It differentiates itself by using a relational database model to enhance data handling and user experience, making it suitable for complex applications such as gaming and enterprise solutions. Chromia primarily targets developers and businesses looking to build robust, scalable dApps with improved data management capabilities.

The ability to understand and effectively use various financial skills, including personal financial management, budgeting, and investing. Financial literacy involves knowledge of financial principles and concepts such as the time value of money, compound interest, debt management, and the importance of saving and investing for the future. It is essential for individuals seeking to make informed financial decisions, achieve financial stability, and reduce financial stress.

A reserve of money set aside to cover possible unforeseen future expenses or financial emergencies. These funds are typically used by governments, organizations, or individuals to ensure financial stability in the face of unexpected events such as natural disasters, economic downturns, or other emergencies. Contingency funds are crucial for providing a financial safety net, allowing entities to respond quickly to emergencies without having to divert funds from other important areas or incur debt.

Financial institution based in Vilnius, Lithuania, providing a platform for purchasing cryptocurrency. The platform emphasizes quick, easy, and secure transactions with 24/7 customer service and no extra fees, differentiating itself by offering a user-friendly experience. The service is targeted at individuals looking to buy cryptocurrency efficiently and securely, including both novice and experienced users.

Global investment management company that provides a wide range of investment services. Invesco offers equity, fixed income, separate accounts, exchange-traded funds (ETFs), collective funds, and balanced mutual funds, distinguishing itself with a diverse portfolio of investment solutions. The company serves customers worldwide, catering to individuals and institutions seeking to meet various financial goals.

Automated Clearing House (ACH) is an electronic network used for processing financial transactions in the United States. It facilitates various types of transactions, including direct deposits, payroll, and vendor payments, by processing them in batches, which typically take a few days to clear. ACH is primarily used by businesses, financial institutions, and government agencies for efficient and secure transaction processing.

Layer 2 solutions in blockchain technology are designed to enhance the scalability and efficiency of blockchain networks. They function by diverting transactions off the main blockchain and processing them separately, which helps to reduce congestion, speed up transactions, and lower fees. These solutions are particularly beneficial for users and developers seeking to improve the performance and cost-effectiveness of blockchain applications.

Luxembourg-based FinTech company specializing in providing an institutional-grade, secure end-to-end platform for the issuance and lifecycle management of tokenized securities. Leveraging blockchain technology and extensive experience from the traditional securities world, Tokeny offers modular and user-friendly tokenization technology to investment banks, funds, mid-cap companies, and distributors, making participation in ICOs or STOs transparent, accessible, and secure. The platform is particularly beneficial for financial institutions and companies looking to streamline and secure their tokenization processes.

Software company based in Tel Aviv, Israel, offering a comprehensive spend management and procurement platform. The platform is designed to streamline financial processes, promote accountability, and empower organizations by providing advanced tools for managing expenses and procurement activities. PayEm primarily targets businesses and organizations seeking to optimize their financial operations and improve overall efficiency.

Quest CE is a company that assists financial service organizations in managing their compliance operations. The company offers a range of services including firm training programs, disclosure tracking services, and branch audit solutions, as well as continuing education (CE) courses for investment adviser representatives (IARs). Quest CE primarily serves financial service organizations and professionals seeking to streamline their compliance processes and maintain regulatory standards.

Founded in 2021, this company provides real-time access to user financial data and facilitates seamless liability repayment. It aims to make personal finance more autonomous by offering services that connect to various financial obligations such as student loans, credit cards, auto loans, mortgages, and utility bills. The primary beneficiaries of these services are individuals seeking to streamline their financial management and repayment processes.

Financial institution based in Tallinn, Estonia, founded in 2008 during the global financial crisis. It aims to provide fair finance and leverage technological advancements to make investing accessible to everyone, allowing users to invest in loan fractions with returns of up to 6.75% per annum. Bondora primarily targets individual investors seeking a simplified and accessible way to invest in loans and earn returns.

Pet insurance provider offering plans with a 90% reimbursement rate for covered veterinary expenses after meeting an annual deductible. Pumpkin pet insurance differentiates itself by providing comprehensive coverage that includes preventive care options, aiming to reduce out-of-pocket costs for pet owners. The target demographic for Pumpkin pet insurance includes pet owners seeking extensive coverage and financial protection against high veterinary costs.

Financial instruments that give the holder the right, but not the obligation, to buy or sell an underlying asset at a specified price before or at a certain date. Options are commonly used in various financial strategies for hedging, speculation, and income generation, and they come in two main types: call options and put options. These instruments are primarily utilized by investors and traders looking to manage risk or leverage their positions in the financial markets.

Individuals who place bets or gamble, often participating in activities such as sports betting, casino games, or other forms of wagering. These individuals engage in betting to potentially earn money based on the outcomes of various events, relying on their knowledge, intuition, or luck. Betters are typically found in environments where gambling is prevalent, such as casinos, online betting platforms, and sports events, and they range from casual participants to professional gamblers.

The Toronto Stock Exchange (TSX) is a major stock exchange located in Toronto, Canada. It is one of the largest stock exchanges in the world by market capitalization, providing a platform for trading a wide range of securities including equities, bonds, and exchange-traded funds. The TSX primarily serves institutional and retail investors looking to trade Canadian and international securities.

Formation 8 was a venture capital firm established in 2011 by Joe Lonsdale, Jim Kim, and Brian Koo, based in San Francisco, California. The firm gained recognition for its successful investments in technology startups and its strategic approach to venture capital. Formation 8 primarily served technology entrepreneurs and startups seeking early-stage funding and strategic guidance before it disbanded in November 2015.