Alberto Gaidys

I'm excited to share with you that D¥N is now an approved payment token by the CVM in Brazil! 🇧🇷 Recently, Dynasty Global received the long-awaited classification of D¥N by the Brazilian Securities and Exchange Commission (CVM), after more than two years since the process began. Now, we're ready to make our mark in Brazil! This recognition of D¥N by the #CVM is a significant step towards clarifying the distinction between security #tokens and #payment tokens. It also creates more room for the development of innovative technologies in the national #market, contributing to a more dynamic and vibrant landscape that respects the economic essence of what is distributed. Here are some articles from major Brazilian media outlets covering this new milestone for Dynasty Global - the links are in the comments! Thank you, Valor Econômico S/A, Portal do Bitcoin, and Cointelegraph. Let's go together and build this story? Share, like and put in the comments how you think you could contribute to our journey in Brazil. 🚀

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Why Pix Might Dominate Global Payments Could a government-initiated payment system really outshine Silicon Valley's best? Since its launch by Banco Central do Brasil in November 2020, Pix has not just disrupted but redefined the payments landscape. With over 122 million users and processing billions in transactions daily, Pix’s meteoric rise is an anomaly in the world of account-to-account payments. Pix’s success hinges on several critical factors. Its real-time transaction capability, available 24/7, has transformed how Brazilians conduct financial transactions, making it an indispensable tool for both personal and business use. The minimal to zero transaction fees make it an attractive alternative to traditional credit cards, especially for small businesses and everyday consumers. The integration into government services and social welfare programs has significantly boosted its adoption, ensuring that Pix reaches even the most financially underserved populations. Additionally, the Central Bank's strong regulatory framework and proactive promotion of Pix have cultivated a high level of trust and security among users. In comparison, other A2A payment systems like iDeal (owned by EPI Company) in the Netherlands and BLIK in Poland have also found success but on a different scale. iDeal’s dominance in the Dutch e-commerce market is due to its seamless integration with local banks and focus on online payments. Blik, on the other hand, has grown through versatile use cases and strong bank collaborations. However, both systems lack the comprehensive, real-time capabilities and broad application that Pix offers. Despite these advantages, other account-to-account payment methods have struggled to achieve similar success. The main reason lies in their limited scope and lack of strong institutional support. Many of these systems operate within narrow niches or regions, without the extensive backing from central authorities that Pix enjoys. Additionally, high transaction fees and cumbersome user experiences have hindered their widespread adoption. Pix is not just a local phenomenon; it’s poised to expand its reach internationally. Pix's potential to revolutionize payments in other countries is immense, given its proven model of combining real-time processing, low fees, and government integration. As other countries observe Pix’s success, there’s a growing recognition that the future of payments might very well follow Brazil’s lead. In other words, Pix’s ability to integrate seamlessly into everyday life, coupled with its broad support and innovative features, sets it apart from other payment systems. As it eyes international expansion, the global payments landscape might soon be witnessing a Brazilian revolution. Do you think Pix’s model will set the standard for future payment systems worldwide? Let me know in the comments. P.S. Check out my newsletter https://buff.ly/3RXzt7Z

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🚗 banco BV Revolutionizes Car Financing with Blockchain Tokenization 🌐 banco BV, a leading Brazilian financial institution in the car loan market, is pioneering a new era in automotive financing through a groundbreaking tokenization pilot program. In partnership with Consensys and Parfin, this initiative aims to transform the way vehicles are purchased and financed using blockchain technology. Key Developments: 1️⃣ Innovative Pilot Program: The program tests a tokenization system that automates car sales processes, utilizing digital money and tokenized car ownership certificates to streamline vehicle purchases. 2️⃣ Blockchain Efficiency: By executing financing transactions on the blockchain, BV Bank aims to expedite the entire car buying process, making it faster and more transparent for consumers. 3️⃣ Integration with CBDC: Looking ahead, BV Bank plans to integrate its tokenization platform with the Central Bank of Brazil’s upcoming digital currency, enhancing the robustness and versatility of its financial services. Strategic Impact: - Enhanced Transparency and Security: Carlos Bonetti, BV Bank’s Executive Director of Risk and Operations, highlights the transparency and risk mitigation benefits of the new system, which promises to reduce operational and financial risks significantly. - Customer Benefits: The tokenization of car financing is set to offer immediate settlement of dues and simplify operations, improving overall customer service. Broader Industry Applications: - Blockchain in Automotive: Beyond car financing, blockchain technology is increasingly being adopted in the automotive sector for applications like monitoring vehicle conditions, managing leases, and even rewarding drivers with tokens for data sharing. - Industry Collaboration: Initiatives like the Mobility Open Blockchain Initiative (MOBI) reflect the growing importance of blockchain in the automotive industry, with major manufacturers and tech firms collaborating to harness this technology. 💬 Discussion Point: How do you see blockchain technology further transforming the automotive and financing industries? 🔄 Share your thoughts on this innovative approach to car financing and its potential impacts on the automotive market! #BVBank #Blockchain #CarFinancing #Tokenization #AutomotiveIndustry #DigitalInnovation 🔗 Dive deeper into BV Bank's tokenization initiative and its implications for the future of car financing 👉 https://lnkd.in/gg3QNQdy Feel free to share this post to explore how emerging technologies like blockchain are reshaping traditional industries!

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Congratulations to the Banco Central Do Brazil (BCB) for being grown up and admitting that their Wholesale Central Bank Digital Currency w-CBDC was 'delayed' (i.e. stopped) because “privacy solutions tested up to the present stage of the Pilot have not presented the necessary maturity to guarantee compliance with all legal requirements related to preserving citizens’ privacy, despite having evolved over time.” In short, blockchain-based technology ain't what it is cracked up to be! https://lnkd.in/gAZrMyFE Now if one stands back even for a second, one quickly realizes that a WHOLESALE CBDC is by its very nature a centralized function with the central bank acting as the recorder AND guarantor of transactions made by PERMISSIONED participants. Access is, and should be, controlled by the most sophisticated cryptographic methods. The concept of decentralized anything for w-CBDC just makes no sense. Now as ever, the BCB says it is still experimenting, which is good as they appear to be one central bank that knows what it is trying to achieve having set a benchmark for Instant Payment Systesm (IPS) "Meanwhile, in 2020 the central bank launched the Pix instant payment solution which has been a resounding success 😉 ". Now would that the BIS and its Innovation Hub ( 😄 ) were so grown-up #PIX #CBDC #BIS

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Thanks to Swen Werner for sharing his time and insights for the #Web3inFinancialServices book! Out now online and in your local bookstores 🚀 #blockchain #finance #crypto

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🇧🇷 Brazil’s Pix 🆚 India’s UPI 🇮🇳 Let's dive in (and compare) these two Payments success stories: FXC Intelligence compared both payment methods, including their cross-border capabilities, and here is a summary of the results: While UPI is a decentralised payment system owned by the non-profit National Payments Corporation of India (NPCI) and regulated by the Reserve Bank of India, Pix is a centralised system owned and regulated by the Banco Central do Brasil (BCB), which has mandated its adoption amongst Brazilian financial institutions. They have both seen rapid adoption in their countries, though Pix appears to have been adopted faster across its population – as of March 2024, roughly 70% of Brazil’s population had used Pix since it launched in 2020 while a December 2023 update suggests 28% of India’s population has used UPI since its launch in 2016. Pix is still catching up to UPI when it comes to certain features, including cross-border expansion. Read more in Joe Baker's source article: https://lnkd.in/eU4pgv4g Find this helpful? [ 𝗿𝗲𝗽𝗼𝘀𝘁 ] Anything to add about this subject? [ 𝗶𝗻𝘃𝗶𝘁𝗲𝗱 𝘁𝗼 𝗰𝗼𝗺𝗺𝗲𝗻𝘁 ] Nice story, Marcel. Next! [ 𝗹𝗶𝗸𝗲 ] #payments #paytech #digitalpayments #pix #upi #digitalbanking #fintech #fintechindustry #financialtechnology

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Very comprehensive short piece explaining ₿itcoin halving mechanics and it’s consequences. ₿itcoin adds a new block to the ledger once every 10min, it means 144 blocks are added to the blockchain every day and as miners are rewarded with 6,25 ₿itcoins per block, 900 ₿itcoins are minted each day. At current BTC price it is close to $58mn of new daily supply. The Halving will reduce the miner per block rewards by half or 3,125 ₿itcoins. New daily supply will have a current market value of $29mn and ₿itcoin inflation rate will fall below 1% per annum. Is ₿itcoin demand absorbing daily supply? Countdown to 20th of April (European time) #Bitcoin #Halving #scarcity

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Another very interesting Brasilian fintech, Celcoin, raised a $125 million round led by Summit Partners Brazilian #fintech powerhouse #Celcoin has announced a massive $125 million investment led by #Summit Partners. This significant funding round also saw participation from existing investor Innova Capital and financial technology executive John Coughlin, formerly of Corpay. This new capital injection is set to propel Celcoin's expansion and solidify its leadership in the Banking as a Service (BaaS) and embedded finance market. Founded by Marcelo França Corrêa (CEO) and Adriano Meirinho (CMO), with Thiago Zaninotti (CTO), Nijni Yuri Carvalho Farias (CFO), and Bárbara Possignolo (Legal Director) on the leadership team, Celcoin operates in the BaaS sector. The company provides innovative financial infrastructure solutions for banks, fintechs, and enterprises, offering services that span payments, banking, and lending. Their client base includes over 400 financial institutions and 5,000 non-financial companies. Celcoin is also a leading provider of Open Banking solutions in Brazil, a market known for its rapid financial technology advancements. This substantial funding, led by Summit Partners who have a history of backing successful fintech firms like EngageSmart, Corpay, and Calypso Technology, will enable Celcoin to accelerate technology and product development, explore organic and M&A-driven growth opportunities, and expand its footprint both in Brazil and across Latin America. Celcoin's growth trajectory has been remarkable. The company recorded $63 million in annual recurring revenue in the first quarter of 2024, a 140% increase from the previous year. They process over 200 million Pix transactions monthly and have completed four strategic acquisitions since 2022, including Galax Pay, Flow Finance, Finansystech, and Reg+, enhancing their offerings and market reach. Celcoin's technology allows a diverse range of companies to embed financial services directly into their ecosystems, representing the future of the financial sector. This investment reinforces Celcoin’s commitment to innovation and expanding financial access for all Brazilian consumers. The article on the Financial Times in the first comment. Want to stay up to date with the market? Here my newsletter: - Linkedin: https://t.ly/s541W   - Substack: https://lnkd.in/dzfGJzmW

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In some tourist cities in Brazil, it's already possible to make payments with cryptocurrencies! 🇧🇷 Jericoacoara, São Thomé das Letras, and Rolante are following the global trend of accepting Bitcoin as a currency for local commerce. This is a common system in other countries, including here in Switzerland, which already has a strong relationship with cryptocurrency payments. It's no wonder I chose to come here to develop D¥N, the #payment #token of Dynasty Global . This trend has been gaining popularity in Brazil, mainly because the security of blockchain technology, fast transactions with low costs, and privacy are major attractions for both Brazilian consumers and tourists from various countries accustomed to #cryptocurrencies. Interest in these transactions has been growing rapidly and is expected to become an even bigger trend. Will we soon have news about #D¥N in Brazilian soil as well? 👀

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Read my latest piece on Banking Risk and Regulation part of Financial Times. 👇 In this piece we look specifically at some of the implications for Risk Professionals and the key role they could play in Web3. #web3 #blockchain #crypto #finance

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The potential impact of #PIX 📈 Developed back in 2020 by the Brazil Central Bank (BCB), Pix has become one of the most used money-transfer systems in the country. 📌 Allowing 24/7 instant transactions, between individuals, business and government entities, Pix has already reached its goal for efficient, secure, and cost-effective method of conducting financial transactions. Besides, Pix has helped Brazil strengthen its financial inclusion and, more importantly, modernize the country’s payment infrastructure. But Pix doesn't stop here! ⬆️ Gaining Global Attention ↪️ The Brazil Central Bank is actively working on exploring bilateral agreements to connect Pix with other platforms worldwide. Creating ‘Pix International’ ↪️ As Pix grows, BCB has had to find solutions to give Brazilians the opportunity for international financial services, maintaining the high-quality service they provide domestically. The Nexus Project ↪️ The Bank for International Settlements (BIS), had joined the vision and started developing the so-called ‘Nexus Project’ which aims to connect instant payment systems like Pix across different countries. Now, what will be the impact of this revolutionary system? 🧐 💡 Breaking the Banks Monopoly By launching these projects, the money-transfer monopoly will be broken, and they'll be pressured to face the challenges and devise solutions to adapt to the new financial ecosystem. 💡 Low Money-Transfer Costs Besides other perks, these systems are designed to lower the money-transfer costs, especially for transfers between individuals, both locally and globally. 💡 Expansion of the Cross Border Trades The transfer speed will ease and speed up the development of cross-border trade. What are your thoughts on Pix and its potential impact? #PIX #Brazil #businessgrowth #ecosystem #globalecosystem #finances #openbakning #payments #digitalpayments 

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#NYSE | The markets are unpredictable, but with #WaveE, one of our cutting-edge #AI-driven #algorithmic #breakout #daytrading strategies, you can make calculated trades like a pro! Scalped profits of $1,259.02 trading #GoldmanSachsGroup, $GS shares today! Operating on NinjaTrader & TradeStation...

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Another Central Bank looking to regulate #stablecoins for cross border and local #payments - scheduled to be closed in 2024 This is happening all over the world. Brazil anyone? I am #recruiting #strategicpartners across #latam to work with local banks and other partners to build these stablecoins. Please contact me if you are interested to go an exciting journey together. #futureofmoney #stablecoins #payments #crossborder

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In the book "Trading Options Greeks: How Time, Volatility, and Other Pricing Factors Drive Profits" 📚🚀, Dan Passarelli offers a comprehensive guide on options trading by focusing on the "Greeks" - Delta, Gamma, Theta, Vega, and Rho. These parameters are essential for understanding options pricing factors and developing effective trading strategies. 🔍 𝐊𝐞𝐲 𝐏𝐨𝐢𝐧𝐭𝐬 𝐃𝐞𝐥𝐭𝐚: The Price Sensitivity Indicator Delta measures the sensitivity of an option’s price to changes in the price of the underlying asset. Passarelli illustrates how traders can use Delta to gauge the potential movement of options in response to market changes, aiding in the development of hedging strategies and directional trades. 𝐆𝐚𝐦𝐦𝐚: The Rate of Change Gamma, which reflects the rate of change of Delta, is crucial for understanding the stability of an option’s Delta over time. The book explores how managing Gamma exposure can help traders maintain their desired level of market exposure and adjust their positions dynamically. 𝐓𝐡𝐞𝐭𝐚: The Time Decay Factor One of the most fascinating aspects of options trading is time decay, represented by Theta. Passarelli explains how the passage of time impacts options pricing and how traders can leverage this decay to their advantage, especially in strategies like writing covered calls and spreads. 𝐕𝐞𝐠𝐚: The Volatility Gauge Vega measures an option’s sensitivity to volatility changes. With markets often experiencing rapid volatility shifts, understanding Vega is crucial. Passarelli provides strategies for trading in different volatility environments, making the book highly relevant for today’s unpredictable markets. 𝐑𝐡𝐨: The Interest Rate Effect Although often overlooked, Rho—sensitivity to interest rates—plays a significant role in options pricing. The book covers how shifts in interest rates can impact option values, an essential consideration for long-term options traders. 📈 𝐏𝐫𝐚𝐜𝐭𝐢𝐜𝐚𝐥 𝐀𝐩𝐩𝐥𝐢𝐜𝐚𝐭𝐢𝐨𝐧𝐬 One of the book’s greatest strengths is its practical application of theoretical concepts. Passarelli doesn’t just present the Greeks in isolation; he integrates them into real-world trading scenarios. For instance, his discussions on constructing delta-neutral portfolios and the practicalities of gamma scalping offer valuable, actionable insights. #OptionsTrading #FinancialMarkets #TradingStrategies #DanPassarelli #Investment #Finance #Greeks #TradingOptions

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