Finance

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Responsible Investing: One of the Paths to Financial Freedom

A few weeks ago, I had a conversation with a former coworker about investments and cryptocurrencies, and I was surprised that basic concepts such as compound interest or the impact of having over 100k invested were not clear to him. This seems to be a common issue, even with the abundance of videos, books, and …

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CBDCs: The Digital Revolution in the Financial System

After closely following CBDCs in recent years, I find it intriguing how the financial system could be strengthened if Distributed Ledger Technology (DLT) became the backbone of a new monetary model. In this first post, I’d like to explore some of the advantages and improvements that the implementation of this technology could bring to society. …

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ISO 20022 vs. SWIFT: The Revolution in Financial Messaging

In a previous post, I discussed the new ISO 20022 standard, its relevance to the evolution of the financial system, and the expected timelines for its global adoption. In this article, I will delve deeper into the features of this standard and compare it to the current SWIFT MT messaging system, exploring its advantages and …

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Asset Tokenization Using DLT Technology

In the realm of cryptocurrencies, the concept of tokenizing real-world assets on the blockchain is gaining increasing relevance. This article provides an introduction to the process and how distributed ledger technology (DLT) has the potential to transform the way we exchange value and manage assets more efficiently and securely. Asset tokenization is transforming the way …

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ISO 4217 and Cryptocurrencies: XRP, XLM, and XDC Ready for Global Integration

In a previous post, I wrote about the ISO 20022 standard and its relevance to the future of the financial system. This time, I want to explain why some cryptocurrencies that comply with this standard have an “X” at the beginning of their name. Examples include XRP, XLM, and XDC, three of the leading cryptocurrencies …

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Conservative Investors: Profile, Advantages, and Disadvantages

(This article is for informational purposes only and should not be interpreted as investment advice in any case). In previous articles, I explored the profiles of high-risk and balanced investors. This time, I will focus on the conservative investor profile, which prioritizes capital preservation and stability over high returns. This profile is ideal for those …

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Balanced Investors: Profile, Advantages, and Disadvantages

(This article is for informational purposes only and should not be interpreted as investment advice in any case). In my previous post, I wrote about the high-risk profile, which I consider to best match my style as an investor. In this article, we will delve into the profile of the balanced investor, which offers a …

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High-Risk Investors: Profile, Advantages, and Disadvantages

(This article is for informational purposes only and should not be interpreted as investment advice in any case). While reading about the psychology of money (Master the Game), a concept caught my attention that I’ve heard multiple times: the importance of an investor understanding their risk profile. Generally, someone looking to invest can be classified …

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