UnauthorizedThis firm may be providing or promoting financial services or products without our permission. You should avoid dealing with this firm and beware of scams. Almost all firms and individuals must be authorised or registered by us to carry out or promote financial services in the UK. This firm is not authorised by us and may be targeting people in the UK. Search our Warning List for other unauthorised firms and individuals we're aware of. Unauthorised firm details Name: Hyperailtd Address: 808 Greenford Road, London, UNITED KINGDOM, UB6 8QP Telephone: +17083200283 Email: admin@hyperailtd.com Website: www.hyperailtd.com Some firms may give incorrect contact details including postal addresses, telephone numbers and email addresses. They may change these contact details over time. They may also give you details that belong to another business or individual, so the information looks genuine. What this means for you If you deal with this firm, you won't have access to the Financial Ombudsman Service if you want to complain. You also won't be protected by the Financial Services Compensation Scheme (FSCS) if things go wrong. This means it's unlikely you'd get your money back if the firm goes out of business. If you sent money to a fraudster on or after 7 October 2024, you may be covered by protections introduced by the Payment Systems Regulator (PSR). Find out what to do if you've been tricked into making a payment to a scam account. How to protect yourself You should only deal with financial firms that are authorised by us. If a financial firm is authorised by us, it gives you greater protection if things go wrong. You can use the FCA Firm Checker to make sure a financial firm is authorised by us and has our permission to provide the services you're looking for. You'll also be able to find: information on how you're protected contact details for authorised firms If you're contacted unexpectedly by a financial business, make sure you reply using the contact details on the Firm Checker. Find out more about how to protect yourself from scams. Report an unauthorised firm If you think you've been approached by an unauthorised firm, call us on 0800 111 6768, or use our contact form.

Revolut has apointed Michael Schroeder, formerly Chief Risk Officer and Managing Director for Europe at Coinbase, as Global Head of Crypto Expansion.Schroeder spent nearly three years at Coinbase overseeing European risk and regulatory operations. In a LinkedIn post announcing the move, he said his focus at Revolut would include “licensing, regulatory readiness, operations, and market launches”.The wording is revealing. This is not the sort of hire associated with customer acquisition or product marketing. It suggests that regulatory and licensing capabilities will be as important as product expansion.The move also reflects a broader pattern emerging across the sector. Recently, Kraken appointed Andreas Roussos, a regulatory technology specialist, to lead its Cyprus operations. While Kraken’s Cyprus unit is closely tied to MiFID-regulated activity, the underlying logic appears similar: risk, compliance and licensing expertise is at the centre of expansion strategies.Moving Back to America? Revolut already holds a strong regulatory position in Europe and the UK. In 2025, the fintech became one of the first firms to secure a MiCA licence from the Cyprus Securities and Exchange Commission, with Cyprus serving as the base for its European crypto operations.The fintech was officially added to the UK's Financial Conduct Authority (FCA) list of registered cryptoasset firms in 2022. Yet despite aggressive international growth, there is still one major market where Revolut lacks crypto permissions: the US. In October 2023, Revolut suspended all cryptocurrency services for US customers, citing what it described as an “evolving regulatory environment” amid intensifying scrutiny of the sector by the US Securities and Exchange Commission.American users retained access to Revolut’s banking and fiat services, but could no longer buy, sell or hold digital assets through the platform.Things are changing, though.In March 2026, Revolut filed for a US national bank charter, a move widely interpreted as an attempt to deepen its American presence and reduce reliance on partner banking arrangements.If Revolut becomes a federally chartered bank, it could improve the odds of a crypto return. This article was written by Adonis Adoni at www.financemagnates.com.

Bitcoin ETF inflows reaching $532 million in a single session on May 5 show that institutional money is not waiting for the next bitcoin price prediction to confirm the direction.  BlackRock added $284 million, Fidelity followed with $213 million, and April delivered $2.44 billion in total.  As that capital keeps flowing, some wallets are looking past the bitcoin price prediction debate entirely and moving into presale entries where the listing event is the return, not a slow grind from $80,977 to $85,000. Bitcoin ETFs Pull $532 Million in One Day as Strategy Holds Over 818,000 BTC Bitcoin spot ETFs recorded $532 million in net inflows on May 5, with BlackRock and Fidelity leading according to CoinDesk. Cumulative inflows since the January 2024 launch sit at $58.72 billion and climbing.  Strategy now holds over 818,000 BTC and continues buying. These numbers give the bitcoin price prediction conversation a foundation no previous cycle had, because institutional buyers absorb more Bitcoin than miners produce every month. ETF Backed Coins and Presale Tokens Competing for the Biggest Returns This Cycle Pepeto The key difference between Pepeto and most presale tokens caught up in the bitcoin price prediction conversation is simple: the swap tools already work, the staking contract runs live, and the presale has stacked nearly $10 million from wallets that checked the product before they moved capital. That is not hope, that is conviction backed by code on chain. Anyone can enter at $0.0000001868 and begin earning 173% staking APY through the Pepeto official website right now. The 420 trillion token supply is backed by a SolidProof audit, and the former Binance expert behind the project brings exchange building knowledge that separates this presale from every roadmap only token in the market.  The presale is approaching sellout, the final rounds are clearing faster than any stage before, and the Binance listing that reprices everything could trigger the moment the last token sells.  That is not a date on a calendar, it is a smart contract event that fires automatically, and by the time most people see the news the entry window is already shut. The pattern forming around Pepeto right now is the same setup that turned early Bitcoin holders into the wealthiest wallets in crypto history, except this time there is a working exchange, a live bridge, and an audit behind the entry, and the presale price still sits at a fraction of a cent. Bitcoin Price Prediction Bitcoin trades near $80,977 after climbing 35% from its February lows and testing $82,000 at its strongest level since January according to CoinMarketCap.  The next resistance sits near $82,500 where the 200 day moving average acts as a ceiling, and a close above targets $85,000 then $90,000 by mid year.  Exchange reserves keep dropping to multi year lows, which means less supply sits ready to sell while ETF buyers absorb more Bitcoin than miners produce. The bitcoin price prediction stays bullish above $77,000 support, and CoinCodex projects $85,496 by mid May. Conclusion While every bitcoin price prediction model watches whether Bitcoin clears $85,000, the wallets already buying Pepeto are the ones positioned for the kind of returns that BTC at $80,977 simply cannot deliver anymore. Pepeto offers more than just a token because it delivers live staking rewards at 173% APY, a fee free swap tool, and nearly $10 million in presale funding that proves the capital is already committed and growing every single day.  The early holders who bought Bitcoin below $1,000 turned small entries into generational wealth, and every one of them wishes they had bought more at that price because the window closed and never came back.  That same setup is forming around Pepeto right now as the presale approaches sellout and the Binance listing draws closer with each round that clears, which means the moment the listing triggers is the moment this price disappears forever and the wallets that hesitated will carry the kind of regret that comes from watching the biggest move of the cycle happen without them, knowing the entry was right there and all it took was a decision they did not make in time. Click To Visit Pepeto Website To Enter The Presale FAQ What is the latest bitcoin price prediction for 2026? The latest bitcoin price prediction for 2026 targets $85,000 to $90,000 by mid year based on ETF inflows and the $82,500 resistance level. Bitcoin trades near $80,977 today. How does Pepeto compare to buying Bitcoin right now? Pepeto compares to Bitcoin by offering a $0.0000001868 presale entry with a 100x listing target and 173% staking APY, while BTC at $80,977 caps returns near 1.85x.

Details have emerged about a new variant of the recent Dirty Frag Linux local privilege escalation (LPE) vulnerability that allows local attackers to gain root access, making it the third such bug to be identified in the kernel within a span of two weeks. Codenamed Fragnesia, the security vulnerability is tracked as CVE-2026-46300 (CVSS score: 7.8) and is rooted in the Linux kernel's XFRM

AI-powered note-taking apps are transforming student productivity by offering automatic transcription, summaries, smart organization, and study assistance Notion remains one of the most popular AI note-taking tools with smart summaries, organization features, and collaborative workspacesOtter.ai helps students record lectures, generate searchable transcripts, and create instant AI-powered summariesGoogle NotebookLM is gaining popularity for AI-assisted research, source analysis, and document summarizationObsidian is widely used by students who prefer linked notes, markdown support, and advanced knowledge organizationGoodNotes remains a favorite among iPad users for handwriting support and AI-powered study featuresStudents increasingly prefer AI apps that provide automatic flashcards, quizzes, and searchable lecture notes for exam preparationReddit users in 2026 highlight apps like HyNote, Jamie AI, and Notability for transcription quality, smart organization, and productivity workflowsExperts recommend choosing AI note-taking apps with cloud sync, cross-platform access, privacy protection, and real-time collaboration toolsRead More StoriesJoin our WhatsApp Channel to get the latest news, exclusives and videos on WhatsApp

Welcome to your guide to Pips, the latest game in the New York Times catalogue.Released in August 2025, Pips puts a unique spin on dominoes, creating a fun single-player experience that could become your next daily gaming habit.Currently, if you're stuck, the game only offers to reveal the entire puzzle, forcing you to move on to the next difficulty level and start over. However, we have you covered! Below are piecemeal answers that will serve as hints so that you can find your way through each difficulty level.How to play PipsIf you've ever played dominoes, you'll have a passing familiarity with how Pips is played. As we've shared in our previous hints stories for Pips, the tiles, like dominoes, are placed vertically or horizontally and connect with each other. The main difference between a traditional game of dominoes and Pips is the color-coded conditions you have to address. The touching tiles don't necessarily have to match. SEE ALSO: Wordle today: Answer, hints for May 14, 2026 The conditions you have to meet are specific to the color-coded spaces. For example, if it provides a single number, every side of a tile in that space must add up to the number provided. It is possible — and common — for only half a tile to be within a color-coded space.Here are common examples you'll run into across the difficulty levels:Number: All the pips in this space must add up to the number.Equal: Every domino half in this space must be the same number of pips.Not Equal: Every domino half in this space must have a completely different number of pips.Less than: Every domino half in this space must add up to less than the number.Greater than: Every domino half in this space must add up to more than the number.If an area does not have any color coding, it means there are no conditions on the portions of dominoes within those spaces. SEE ALSO: NYT Strands hints, answers for May 14, 2026 Easy difficulty hints, answers for May 14 PipsGreater Than (7): Everything in this space must be greater than 7. The answer is 5-6, placed vertically; 5-1, placed vertically.Less Than (2): Everything in this space must be less than 2. The answer is 5-1, placed vertically.Equal (6): Everything in this space must be equal to 6. The answer is 6-6, placed horizontally; 6-1, placed horizontally; 5-6, placed vertically.Less Than (2): Everything in this space must be less than 2. The answer is 6-1, placed horizontally.Equal (2): Everything in this space must be equal to 4. The answer is 2-2, placed horizontally.Medium difficulty hints, answers for May 14 PipsEqual (0): Everything in this space must be equal to 0. The answer is 4-0, placed horizontally; 0-3, placed vertically.Less Than (5): Everything in this space must be less than 5. The answer is 1-1, placed horizontally.Number (3): Everything in this space must add up to 3. The answer is 0-3, placed vertically.Number (10): Everything in this space must add up to 10. The answer is 2-2, placed vertically; 6-5, placed horizontally.Equal (5): Everything in this space must be equal to 5. The answer is 6-5, placed horizontally; 5-5, placed vertically.Less Than (5): Everything in this space must be less than 5. The answer is 4-6, placed horizontally.Equal (6): Everything in this space must be equal to 6. The answer is 4-6, placed horizontally; 6-6, placed vertically.Hard difficulty hints, answers for May 14 PipsLess Than (3): Everything in this space must be less than 3. The answer is 1-3, placed horizontally.Number (7): Everything in this space must add up to 7. The answer is 1-3, placed horizontally; 4-5, placed vertically.Greater Than (10): Everything in this space must be greater than 10. The answer is 4-5, placed vertically; 6-1, placed vertically.Number (1): Everything in this space must add up to 1. The answer is 6-1, placed vertically.Equal (4): Everything in this space must be equal to 4. The answer is 4-4, placed horizontally.Number (1): Everything in this space must add up to 1. The answer is 1-5, placed vertically.Number (10): Everything in this space must add up to 10. The answer is 1-5, placed vertically; 5-6, placed vertically.Number (6): Everything in this space must add up to 6. The answer is 6-2, placed horizontally.Less Than (3): Everything in this space must be less than 3. The answer is 6-2, placed horizontally.Number (7): Everything in this space must add up to 7. The answer is 4-3, placed horizontally.Equal (2): Everything in this space must be equal to 2. The answer is 2-0, placed vertically; 2-2, placed horizontally.Equal (0): Everything in this space must be equal to 0. The answer is 2-0, placed vertically; 0-5, placed horizontally.Number (10): Everything in this space must add up to 10. The answer is 0-5, placed horizontally; 5-3, placed vertically.Number (10): Everything in this space must add up to 10. The answer is 5-5, placed vertically.Number (6): Everything in this space must add up to 6. The answer is 6-3, placed horizontally.Equal (3): Everything in this space must be equal to 3. The answer is 6-3, placed horizontally; 5-3, placed vertically.If you're looking for more puzzles, Mashable's got games now! Check out our games hub for Mahjong, Sudoku, free crossword, and more.

Key takeaways The 2026 Trump-Xi summit is viewed as a critical geopolitical event for financial markets, with investors primarily seeking signs of stabilisation in US-China trade relations, technology restrictions, and broader geopolitical tensions.Markets are focused on potential progress in semiconductor export controls, AI technology access, Taiwan-related communication channels, and currency stability, as even modest diplomatic improvements could support risk assets and Asian equities.The most likely market outcome remains a limited “managed competition” framework rather than a comprehensive trade deal, which could trigger only a temporary relief rally before markets refocus on inflation, oil prices, and Federal Reserve policy risks. Today’s two-day meeting between Donald Trump and Xi Jinping in Beijing is shaping up to be one of the most consequential geopolitical events for global markets in 2026The summit comes at a time of heightened tensions driven by trade frictions, technology restrictions, Taiwan-related security concerns, and the inflation shock stemming from the Iran conflict.Key expectations from the Trump–Xi summitTemporary trade stabilisation rather than a full deal Markets are likely expecting a de-escalation framework instead of a comprehensive trade agreement. Possible outcomes include:Partial tariff rollbacks or suspension of new tariffs.Agreements to resume high-level economic dialogue.China pledges increased purchases of US agricultural, energy, or industrial goods.Reduced rhetoric on export controls and sanctions.A broad structural trade deal remains unlikely due to strategic rivalry between the two powers.Supply chain and technology negotiations Technology remains the core battleground. Investors will focus on:Potential easing or delay of US semiconductor export restrictions (Watch out for potential easing of controls on Nvidia's H200 AI chips to China).Negotiations surrounding AI chips, rare earths, EV batteries, and critical minerals.Whether China receives any concessions on access to advanced technology.Any softening stance could trigger strong rallies in Asian tech equities and semiconductor-linked stocks.Taiwan and security communication channels A key objective may simply be reducing geopolitical tail risks:Re-establishment of military communication hotlines.Commitments to avoid escalation around the Taiwan Strait.Diplomatic language aimed at reducing accidental military confrontation.Even symbolic cooperation would likely be viewed positively by risk assets.Currency and financial market stability Given recent USD volatility and concerns over inflation:China may resist sharp yuan depreciation (the offshore CNH has continued to strengthen in the past week, approaching a 3-year high of 6.7740 per USD).The US may seek commitments against competitive devaluation.Both sides could emphasize financial stability to calm bond and FX markets.This would matter significantly for Asian FX, emerging markets, and global risk sentiment.Possible market reactions Positive scenario (most market-friendly):Limited trade truce with improved diplomatic tone may trigger a rally in equities, Asian exporters, semiconductors, and cyclical assets.Neutral scenario (most likely):Constructive dialogue, but few concrete deliverables may lead to a short-term relief rally followed by renewed focus on inflation and rates.Negative scenario (least likely):Breakdown in talks or aggressive rhetoric on tariffs/Taiwan sees a risk-off move into USD, gold, Treasuries, and defensive sectors. Opinions are the authors'; not necessarily that of OANDA Business Information & Services, Inc. or any of its affiliates, subsidiaries, officers or directors. The provided publication is for informational and educational purposes only.If you would like to reproduce or redistribute any of the content found on MarketPulse, an award winning forex, commodities and global indices analysis and news site service produced by OANDA Business Information & Services, Inc., please refer to the MarketPulse Terms of Use.Visit https://www.marketpulse.com/ to find out more about the beat of the global markets.© 2026 OANDA Business Information & Services Inc.

Over the past four years, Florida’s condominium and homeowners’ association (“HOA”) statutes have experienced significant changes. Many were spurred by the collapse of Champlain Towers South; others were in response to different events that similarly portrayed community associations in a negative light (e.g., the fraud investigation involving The Hammocks)....By: Bilzin Sumberg

Key takeaways US inflation pressures intensified after April PPI surged 6.0% y/y, reinforcing the “higher for longer” Federal Reserve narrative and fuelling expectations that any future Fed move could shift toward rate hikes rather than cuts.Donald Trump and Xi Jinping began high-stakes talks in Beijing, with AI competition, semiconductor restrictions, and Middle East geopolitical tensions dominating market focus.Despite rising bond yields and inflation shocks, AI-driven equity momentum remained resilient as the Nasdaq 100 and S&P 500 climbed to fresh record highs, while energy markets stayed elevated above $100/bbl due to worsening Strait of Hormuz supply concerns.Chart of the day: AUD/USD bullish breakout from minor range configuration, 0.7210 key short-term support with next intermediate resistances at 0.7265, 0.7300, and 0.7340.Top macro headlines US producer prices surge: April PPI jumped 1.4% month-over-month and 6.0% year-over-year, marking the biggest gain in four years. The hotter-than-expected print confirms inflation is accelerating amid the ongoing conflict with Iran.Trump arrives in Beijing for high-stakes summit: President Donald Trump arrived in Beijing for meetings with Chinese President Xi Jinping. Nvidia CEO Jensen Huang joined the US delegation, highlighting the focus on the global AI race and the proposed US "MATCH Act" targeting Chinese chipmakers.EIA drastically revises Oil supply hit: The US Energy Information Administration revised its forecasts, projecting a much longer and more severe disruption to global oil supplies as Iran moves to formalize control over the Strait of Hormuz.Kevin Warsh confirmed as Fed official: The US Senate confirmed Kevin Warsh to a 14-year term as a Federal Reserve governor, setting him up as the likely successor to Fed Chair Jerome Powell.Alibaba posted an operating loss on AI Spend: Alibaba Group ADRs slipped 3% after posting its first operating loss since the pandemic, underscoring the massive capital expenditures required to compete in the AI space. Interestingly, its ADR recovered as the US session progressed and ended with a gain of 8% to close at a near 5-month high.Key macro themes Inflation resurgence cements "Higher for Longer": Following the 3.8% CPI print, the massive 6.0% y/y headline PPI surge has completely wiped out remaining hopes for Fed rate cuts in 2026, and reflected an increase in rate hike bets coming in the first half of 2027, according to data from the CME FedWatch tool.The cost of the AI arms race: Alibaba's earnings reflect a growing reality: the AI supercycle requires staggering, profitability-draining capital expenditures. Markets will increasingly scrutinize tech giants to balance AI spending with near-term margins.Structural geopolitical premiums: The oil market is shifting from pricing a "temporary disruption" to a "persistent geopolitical premium" as the Middle East conflict restricts global supply chain norms.Global market impact (last 24 hours) Equities: US stock markets remained buoyant despite a red-hot PPI print. Supported by tech stocks, the S&P 500 (+0.6%) and the Nasdaq 100 (+1%) rallied to another record high.Fixed Income: The US 10-year Treasury yield climbed to an intraday high of 4.5% on Wednesday, 13 May, hitting a 10-month high as bond markets fully absorb the dual CPI and PPI inflation shocks.FX: The US Dollar Index (DXY) extended gains to 98.45, marking a third consecutive session of strength as investors increased bets on a prolonged restrictive Fed policy.Commodities: WTI and Brent crude remain elevated over $100/bbl following the EIA's grim supply revisions. Spot Gold is holding near $4,645/oz, supported by haven demand ahead of the Beijing summit.Asia Pacific Impact Stock markets: Chinese and Hong Kong equities will be in focus, following Alibaba's earnings miss, China's vocal opposition to the US MATCH Act, and the Trump-Xi summit gets underway. Tech heavyweights like Tencent, Alibaba, Baidu, and Xiaomi will be closely watched. In today’s early Asia season, the China and Hong Kong stock markets opened with an upbeat tone; CSI 300 (+0.1%), China A50 (+0.1%), and Hang Seng Index (+1.1%) at this time of writing.Currencies: The yuan traded almost unchanged against the USD at 6.7855 per US dollar in today’s Asia opening hours as the Trump-Xi summit gets underway. The offshore yuan (CNH) has rallied for six consecutive sessions against the USD. It is now eyeing a near 3-year high of 6.7740 per US dollar as the market seems to be pricing a status quo in terms of US-China trade relations after the summit.Economic outlook: All regional eyes are on the Beijing summit. Any signs of diplomatic progress regarding Iran or AI trade regulations could trigger massive, rapid reversals in regional risk sentiment.Top 5 events to watch today Trump-Xi Summit Developments Impact: USD/CNH, global equities, WTI, Brent crudeUK Q1 GDP Prelim - 2:00 pm SGT (consensus: 0.8% y/y, Q4 2025: 1% y/y) Impact: GBP/USD, GBP crosses, FTSE 100US Retail Sales (Apr) - 8.30 pm SGT (consensus: 0.5% m/m, Mar: 1.7% m/m) Impact: USD, US Treasuries, US stock indicesUS Initial Jobless Claims (week ending 9 May) - (consensus: 205K, prior: 200K) Impact: USD, short-term US Treasuries, US stock indicesApplied Materials Earnings - after US session close Impact: Semiconductor stocks, Nasdaq 100Chart of the day - AUD/USD bullish breakout from minor range Fig. 1. AUD/USD minor trend as of 14 May 2026 (Source: TradingView). The price actions of the AUD/USD have staged a bullish breakout from a minor “Symmetrical Triangle” range configuration on Wednesday, 13 May 2026.Currently, it is retesting the former “Symmetrical Triangle” range resistance, which has now become a near-term pull-back support at 0.7244, as indicated by the hourly RSI momentum indicator, which is holding at the 50 level (see Fig. 1).Watch the 0.7210 key short-term pivotal support on the AUD/USD. A clearance above 0.7265 triggers the next intermediate resistances at 0.7300 and 0.7340.However, a break and an hourly close below 0.7210 negates the bullish tone for another round of potential minor corrective decline to expose the next intermediate support at 0.7180 (also the 20-day moving average), below it may see further weakness towards 0.7145/7130 next. Opinions are the authors'; not necessarily that of OANDA Business Information & Services, Inc. or any of its affiliates, subsidiaries, officers or directors. The provided publication is for informational and educational purposes only.If you would like to reproduce or redistribute any of the content found on MarketPulse, an award winning forex, commodities and global indices analysis and news site service produced by OANDA Business Information & Services, Inc., please refer to the MarketPulse Terms of Use.Visit https://www.marketpulse.com/ to find out more about the beat of the global markets.© 2026 OANDA Business Information & Services Inc.

After successfully building digital banks across two continents, Tyme Group is now eyeing their 3rd GoTyme Bank. Rachel Freeman, Chief Growth Officer, shared that they are looking to decide within the 12 months time frame and hinted at some potential markets. Anxin Leong, also weighed in on the IPO timing, explaining why a listing remains a matter of when, not if, but 2029 or 2030 is a more realistic window than the 2028 target previously floated by CEO Coen Jonker. In this episode: The shortlist for the third market and the 6 to 12 month decision window How the kiosk model beat digital marketing on customer acquisition cost and unlocked profitability in Africa What the Nubank partnership actually delivers beyond the $150M cheque, especially in unsecured lending Why a single codebase across continents made cross-market scaling cheaper, faster and lower risk The role of a deliberately narrow tech partner stack: AWS, Mambu, Databricks Why the IPO is “a matter of when, not if,” and why 2029 or 2030 is more realistic than 2028 The rebrand to GoTyme and what it signals about the group’s listing readiness The post Where Will GoTyme Launch Their 3rd Digital Bank? appeared first on Fintech Singapore.

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the income tax (amendment) law 2026 (the income tax amending law) was officially published in the gazette of the republic of cyprus on 6 march 2026. the income tax amending law introduces amendments to the existing income tax law 2002, as amended (the income tax law), with the following key provisions: 1. introduction of new tax exemption (section 8 amendment) a new subsection (21b) has been added to section 8 of the income tax law, providing a 25 per cent tax exemption on income from employment or business profits in cyprus, capped at €25,000 per tax year. this exemption applies under the following conditions: the individual must be a resident of cyprus, starting employment or business activity in cyprus between 1 january 2025 and 31 december 2030. during the first 12 months of employment or business activity, the individual must have earned over €30,000 in income. the individual must not have been a resident of cyprus for the seven tax years preceding the start of employment or business activity. the individual must have been a resident of cyprus at least once prior to the seven-year period mentioned above. the individual must meet at least one of the following criteria: hold a recognised university degree and have worked full-time outside cyprus for a non-cypriot employer for at least 36 months within the last 84 months. have worked full-time outside cyprus for a non-cypriot employer for 84 consecutive months prior to starting employment or business in cyprus. additional notes: the exemption is granted for the year employment or business activity begins and the subsequent six tax years, provided annual income exceeds €30,000. this exemption cannot be combined with the exemption under subsection (21a). the exemption is granted once per lifetime for eligible individuals. this exemption is part of the "minds in cyprus" initiative, a strategic framework designed to attract skilled professionals and entrepreneurs to cyprus, leveraging their global expertise to contribute to the country’s economic growth. 2. other tax exemptions for relocating/returning individuals in addition to the new 25 per cent tax exemption under section 8(21b) of the income tax law, two other tax exemptions are currently in force to encourage individuals to relocate or return to cyprus: a. 20 per cent exemption (section 8(21a)) under section 8(21a), individuals may claim a 20 per cent exemption from income tax, up to a maximum of €8,550 per tax year, on emoluments from their first employment in cyprus, provided that: they have not performed any employment in cyprus for the last 15 years; and they were employed outside cyprus by a non-cypriot employer for the 3 years immediately before starting their first employment in cyprus. this exemption is granted for 7 years, starting from the year following the commencement of employment. it is applicable for employment starting on or before 31 december 2027. b. 50 per cent exemption (section 8(23a)) under section 8(23a), individuals may claim a 50 per cent exemption from income tax on emoluments from any employment exercised in cyprus, provided that: they have not been a tax resident of cyprus or exercised any employment in cyprus for at least 15 consecutive years immediately before starting their first employment in cyprus; and their employment emoluments for the first or second year of employment in cyprus exceeded €55,000. this exemption is granted for 17 years. however, if this exemption is granted, the tax exemptions provided in sections 21, 21a, 21b and 23 do not apply. 3. non-domicile (non-dom) regime and section 8(21b) the non-dom regime operates independently of section 8(21b). under the non-dom regime, individuals are exempt from paying special defence contribution (sdc) on income derived from dividends and interest. in contrast, section 8(21b) provides an income tax exemption on remuneration from employment exercised in cyprus or profits from a business carried out in cyprus. these two exemptions are not mutually exclusive and may be claimed simultaneously, allowing eligible individuals to benefit from both regimes concurrently. 4. effective date the amendments are retroactively effective from 1 january 2025. the income tax amending law can be found here

David Einhorn, Greenlight Capital president and founder, joins 'Closing Bell' to discuss the investment ideas Einhorn has, his main investing theme and much more.

The US Senate Banking Committee unveiled the latest version of the CLARITY Act this week. The Act aims to establish a clear regulatory framework for digital assets. The CLARITY Act offers enforceable guardrails for digital asset markets in an effort to protect consumers and investors, counter illicit finance and security threats, and support innovation in the US. The bill is controversial, as it includes provisions to limit liability for decentralized software developers and enters an ongoing debate around whether stablecoins should be permitted to offer yield or yield-like rewards. After more than 10 months of bipartisan negotiations, the Senate Banking Committee is preparing for a key procedural markup. Here are five things you need to know about the new version of the CLARITY Act. More than crypto regulation While crypto regulation is making headlines, the Act comes with broader stakes as it also attempts to define who controls the future infrastructure of digital finance in the US. Supporters argue the Act helps preserve a more market-driven and decentralized approach by defining the boundaries of governmental power while protecting the autonomy of private developers and individual users. This debate extends beyond crypto trading and will ultimately determine who will own and govern the next generation of financial rails. Stablecoins, tokenized assets, and AI-driven financial agents are on the rise, and the rules governing those future financial rails are yet to be settled. The companies and platforms controlling the new infrastructure could hold influence similar to what cloud providers, mobile operating systems, and card networks hold today. Delineates between securities and commodities The debate over whether digital assets are considered securities has been around for about a decade. That’s why determining when a token is treated like a security and when it can transition into a commodity is one of the biggest goals of the CLARITY Act. The determination will dictate how exchanges and platforms operate, which regulator oversees it, and what disclosures are required. Yield is a battlefield The debate over whether or not stablecoins can pay yield (or yield-like rewards) has been a major sticking point between banks and crypto firms. While banks argue that stablecoin yield products could compete directly with deposits and pull money out of the traditional banking system, crypto companies argue that restrictions would hurt innovation and competitiveness. The Act does not explicitly use the term “yield” in relation to stablecoins. However, it does establish a regulatory framework that distinguishes between different types of digital assets based on whether they provide a financial return, such as interest. The CLARITY Act implies that if a digital asset provides a right to interest, it would likely fall under the jurisdiction of securities laws rather than being treated as a digital commodity or a permitted payment stablecoin. While separate stablecoin legislation continues to evolve in parallel in the form of the GENIUS Act, the CLARITY Act intersects with those debates because of how digital assets offering financial return may ultimately be categorized. About global competitiveness Supporters of the Act argue that it is less about embracing crypto speculation and more about preventing the next generation of financial infrastructure from being built outside the US. Europe, Hong Kong, the UAE, and Singapore have already moved ahead with digital asset frameworks, and if the US does not create a set of regulatory guardrails within this arena, banks, fintechs, and crypto firms will feel less safe innovating in the digital asset space. Even if it passes, the debate is far from over The legislation does not resolve every concern. In fact, there are still ongoing debates around AML protections, DeFi oversight, systemic risk, political conflicts of interest, and consumer protection. So while the CLARITY Act brings more regulatory transparency to crypto, it also accelerates a broader debate about who will govern the future infrastructure of digital finance as stablecoins, tokenized assets, and AI-driven financial systems become more integrated into commerce and payments. Photo by akbar fathi The post 5 Things to Know about the CLARITY Act appeared first on Finovate.       

See more visualizations like this on the Voronoi app. Mapped: Where Young Americans Earn the Most See visuals like this from many other data creators on our Voronoi app. Download it for free on iOS or Android and discover incredible data-driven charts from a variety of trusted sources. Key Takeaways Massachusetts has the highest median household income for Americans ages 25–44, at $123.2K. The top earners are heavily concentrated in coastal states and Washington, D.C. In 14 states plus D.C., young households have median incomes above $100K. Young Americans earn far more in some states than others. Using the latest U.S. Census Bureau data, this map shows the median household income for Americans ages 25–44 across all 50 states and Washington, D.C. Massachusetts ranks first at $123.2K, followed closely by Washington, D.C. and New Jersey. At the other end, Mississippi ranks last at $66K, meaning young households in Massachusetts earn about 87% more. But higher income does not always mean greater financial comfort. Many of the highest-earning states also have some of the country’s steepest housing and living costs. Young Americans Earn the Most in Coastal States The top 10 states show a clear pattern: young households tend to earn the most in places with large metro economies, high education levels, and concentrations of high-wage industries. RankStateMedian Household Income 2024(Ages 25-44) 1Massachusetts$123,206 2District of Columbia$122,917 3New Jersey$118,481 4New Hampshire$114,924 5Washington$112,374 6California$110,732 7Colorado$109,174 8Maryland$108,041 9Connecticut$105,621 10Utah$101,756 11New York$101,393 12Minnesota$101,311 13Virginia$101,267 14Alaska$101,155 15Hawaii$101,085 16Oregon$98,287 17Vermont$97,695 18Delaware$96,154 19Rhode Island$95,063 20Maine$93,626 21Illinois$92,743 22North Dakota$92,180 23Idaho$92,066 24Arizona$91,212 25Wisconsin$91,202 26Pennsylvania$90,401 27Nebraska$88,672 28Montana$88,441 29Nevada$87,394 30Kansas$87,035 31Georgia$86,411 32Florida$85,890 33Iowa$85,436 34Texas$85,373 35North Carolina$84,527 36Wyoming$84,372 37South Dakota$84,351 38Missouri$82,996 39Ohio$82,241 40Michigan$82,236 41South Carolina$82,010 42Tennessee$81,377 43Indiana$80,602 44Kentucky$77,680 45Alabama$75,634 46New Mexico$75,190 47Oklahoma$74,976 48West Virginia$73,003 49Arkansas$71,747 50Louisiana$70,700 51Mississippi$65,978 -- U.S. State Average$91,928 In Massachusetts, the median household income for Americans ages 25–44 is $123.2K, likely driven by its highly educated workforce. Washington, D.C. also ranks near the top at $122.9K, alongside Washington ($112.4K) and California ($110.7K). Overall, eight of the top 10 states are located on either the East or West Coast. Mountain West states like Colorado ($109.2K) and Utah ($101.8K) also rank highly, reflecting the growth of tech, professional services, and other high-wage industries. At the other end of the spectrum, Mississippi, Louisiana, Arkansas, and West Virginia report the country’s lowest median incomes for young households, all below $72K. These states generally have lower concentrations of high-wage industries and lower rates of bachelor’s degree attainment. High Salaries, High Living Costs But higher incomes do not always translate into greater financial comfort. Several of the top-ranked states, including Massachusetts, California, and New Jersey, also have some of America’s highest housing costs. In many large coastal metros, rising rents, childcare expenses, and home prices absorb a substantial share of household earnings. While Massachusetts households earn the most, a median family of four retains just 16% of its paycheck after major expenses, compared to the U.S. average of 24.7%. By comparison, households in states such as Iowa and South Dakota keep roughly 35%. That dynamic helps explain why many younger Americans continue relocating to lower-cost states in the South and Mountain West, even if salaries are lower on paper. Ultimately, the best-paying states are not always the easiest places to get ahead. For many young households, the question is whether higher salaries are enough to offset housing, childcare, and everyday costs. Learn More on the Voronoi App To learn more about this topic, check out this graphic on where wealth is moving in America.

Jean-Paul Servais, Chairman of the FSMA, has been re-elected for a third term as Chairman of the Board of IOSCO, the global organization of financial supervisors. As a result, he will continue to chair IOSCO until 2028. The re-election of Jean-Paul Servais will run concurrently with his chairmanship of the FSMA, as he will remain Chairman of the FSMA until September 2028, when he will reach the age limit. In September 2028, Karel De Bondt will succeed him as Chairman of the FSMA.Jean-Paul Servais has been Chairman of the Board of IOSCO (International Organization of Securities Commissions) since 2022. He has been re-elected for a two-year term, which runs until 2028. He was re-elected this week during the IOSCO annual meeting.IOSCO was founded in 1983 and brings together 131 authorities supervising 95% of the global financial markets. The purpose of the organization is to promote cooperation between financial supervisors and to develop standards and best practices at international level.The re-election of Jean-Paul Servais will run concurrently with his chairmanship of the FSMA, a role he has held since its establishment. He will remain Chairman of the FSMA until September 2028, when he will reach the age limit.Jean-Paul Servais: ‘I am honoured to have been re-elected for a third term. I would like to thank the members of the IOSCO Board for their enduring confidence, and I look forward to continuing our collaboration. The renewal of my mandate as Chairman of IOSCO is also a recognition of the quality of the FSMA’s work and the excellent reputation it enjoys internationally.’In September 2028, Karel De Bondt (44) will succeed Jean-Paul Servais as Chairman of the FSMA. Karel De Bondt, an economist by training, is currently a member of the FSMA’s management. He heads the ‘Economic affairs and strategic projects’ department and is already involved in determining the FSMA’s strategic choices and policy options. Among other things, he oversees the risk analysis activities, the drafting of the annual action plan and the data analytics projects.Karel De Bondt has many years of experience at the FSMA. He began his career in 2006 as a financial analyst. He gained institutional experience in a number of ministerial cabinets and has extensive experience at European and international level. As such, he was seconded to the Permanent Representation of Belgium to the European Union for six years. He is currently also Chairman of the Suptech Working Group of the IAIS, the International Association of Insurance Supervisors, and member of the Digital Finance Steering Committee of EIOPA, the European Insurance and Occupational Pensions Authority.Jean-Paul Servais: ‘Karel De Bondt will be the right man in the right place and a choice is made for continuity. I have had the pleasure of working with Karel for many years and have guided him throughout his career and development within the institution. He knows the FSMA inside out and is widely appreciated for his insights, experience and interaction with colleagues. Thanks to the combination of economic, institutional and international experience, he will also have the perfect background to continue leading the FSMA in this period, which is characterized by geopolitical and economic uncertainties and rapid technological developments.’Karel De Bondt: ‘I am deeply honoured to take up the chairmanship of the FSMA in September 2028. Under the chairmanship of Jean-Paul Servais, the FSMA has fulfilled its mission with great success in many areas. In the current international economic and geopolitical climate, the mission of financial supervisors is more relevant than ever in ensuring confidence and robust protection for financial consumers. I am therefore fully committed to continuing this work.’

Apollo announced that Apollo Funds is acquiring Emerald Holding and Questex in separate transactions and plans to combine them into a scaled North American B2B events and media platform valued at approximately US$1.5 billion for Emerald. The acquisition will see Emerald stockholders receive US$5.03 per share in cash. This offer represents a 42.1% premium to the unaffected share price of the company. Emerald is currently listed on the New York Stock Exchange. Onex holds over 90% of Emerald’s outstanding shares and has agreed to vote in favour of the buyout. The transaction will take Emerald private upon its expected completion in the second half of 2026. The combination of Emerald and Questex will create a consolidated portfolio of around 160 events. Apollo aims to capitalise on the demand for in-person industry gatherings. The investor views physical events as increasingly valuable in a digitally driven business environment. Shahid Bosan “As AI and digital tools rapidly expand the ways professionals connect and share information, they are simultaneously elevating the value of trusted in-person gatherings,” said Shahid Bosan, Managing Director, Apollo. The deal highlights growing institutional investor interest in consolidating the B2B media space.     Featured image credit: Edited by Fintech News Switzerland, based on image by Raisul via Magnific The post Apollo Funds to Acquire Emerald and Questex in $1.5B Deal to Create B2B Events Platform appeared first on Fintech Schweiz Digital Finance News - FintechNewsCH.

In today's Elliott Wave update of EURUSD we discuss if this week's dip is a buying opportunity or the start of a bigger sell-off, and identify the key level to watch for trading purposes. To access this article you need to have an active subscription The post Elliott Wave Update of EURUSD – May 13th, 2026 appeared first on EWM Interactive.