#fintech

[puplusts]

ughhh im so bored !! drool over my feet nd send me your hard earned $$$ as you hide in the bathroom from your girlfriend ~ ;3

[ilya-nemkov]

Какие криптовалюты есть в портфеле у Лионеля Месси?

Лионель Месси, один из величайших футболистов современности, известен своей страстью к миру криптовалют. Вероятно, осознавая, что пик его карьеры позади, он стремится обеспечить себе и своей семье финансовую стабильность на долгие годы.

Ещё будучи игроком «Барселоны», он заключил партнёрское соглашение с одной из ведущих криптобирж. Получив значительный доход от этого проекта, Месси продолжает проявлять интерес к инвестициям в цифровые активы.

Специалисты из Arkham провели анализ и выяснили, какие альтернативные криптовалюты приобретает знаменитый футболист. Общая сумма инвестиций составляет около 10 миллионов долларов, и покупки совершаются регулярно. Учитывая, что состояние Месси оценивается в 450 миллионов долларов, криптовалюта составляет примерно 2,5% его капитала. Однако звезда футбола активно скупает перспективные монеты на сумму около 10 миллионов долларов (более 2% своего состояния) и продвигает их в социальных сетях.

Недавно Месси приобрёл монету Qwadrox (QWRX), о чём сообщил в своём аккаунте в Twitter (теперь X) 18 декабря 2024 года, но пост был удалён примерно через 10 минут после публикации. Видимо, время для широкой рекламной кампании ещё не пришло. Благодаря открытости блокчейна можно узнать, какие проекты были куплены и какую прибыль приносит портфель.

Состав портфеля

На первом месте в списке инвестиций Месси стоит Tether (USDT) — у него 5,83 миллиона монет на сумму около 5,84 миллиона долларов, что составляет примерно 58% от общего объёма. Следующим идёт Paris Saint-Germain (PSG), токены бывшего клуба Месси. У него около 1 миллиона монет на общую сумму свыше 2,3 миллиона долларов, доля в портфеле составляет 23,3%. Известно, что часть компенсации он получил при расторжении контракта с клубом и, вероятно, верит в потенциал монеты.

Далее следует ETH, одна из признанных лидеров отрасли. Также в портфеле Месси есть и другие активы. Например, QwadroX на сумму 112 тысяч долларов занимает четвёртое место, а Planet — пятое место с суммой в 7,34 тысячи долларов.

Можно сделать вывод, что Месси делает ставку на эфир, ведь биткоин в 2024 году достиг исторического максимума, а эфир пока отстаёт. Есть свободные средства, а значит, будут и новые инвестиции, включая новые позиции. Из альткоинов акцент делается на новые перспективные монеты, которые появились недавно и, по мнению футболиста, имеют большой потенциал развития или способствуют благотворительным целям, как QWRX.

[unbfacts]

Starbucks holds about $1.8 to $1.9 billion that customers keep on its app and gift cards. It also records about $200 million a year from unused balances, so it earns money even when no coffee is bought.

[clihfila]

Smell them. Kiss them. Lick every inch. My perfect feet own you now… and you fucking love it 💦

[cryptodarshan]

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[mostlysignssomeportents]

Fintech bullies stole your kid’s lunch money

I'm coming to DEFCON! On Aug 9, I'm emceeing the EFF POKER TOURNAMENT (noon at the Horseshoe Poker Room), and appearing on the BRICKED AND ABANDONED panel (5PM, LVCC - L1 - HW1–11–01). On Aug 10, I'm giving a keynote called "DISENSHITTIFY OR DIE! How hackers can seize the means of computation and build a new, good internet that is hardened against our asshole bosses' insatiable horniness for enshittification" (noon, LVCC - L1 - HW1–11–01).

Three companies control the market for school lunch payments. They take as much as 60 cents out of every dollar poor kids' parents put into the system to the tune of $100m/year. They're literally stealing poor kids' lunch money.

In its latest report, the Consumer Finance Protection Bureau describes this scam in eye-watering, blood-boiling detail:

https://files.consumerfinance.gov/f/documents/cfpb_costs-of-electronic-payment-in-k-12-schools-issue-spotlight_2024-07.pdf

The report samples 16.7m K-12 students in 25k schools. It finds that schools are racing to go cashless, with 87% contracting with payment processors to handle cafeteria transactions. Three processors dominate the sector: Myschoolbucks, Schoolcafé, and Linq Connect.

These aren't credit card processors (most students don't have credit cards). Instead, they let kids set up an account, like a prison commissary account, that their families load up with cash. And, as with prison commissary accounts, every time a loved one adds cash to the account, the processor takes a giant whack out of them with junk fees:

https://pluralistic.net/2024/02/14/minnesota-nice/#shitty-technology-adoption-curve

If you're the parent of a kid who is eligible for a reduced-price lunch (that is, if you are poor), then about 60% of the money you put into your kid's account is gobbled up by these payment processors in service charges.

It's expensive to be poor, and this is no exception. If your kid doesn't qualify for the lunch subsidy, you're only paying about 8% in service charges (which is still triple the rate charged by credit card companies for payment processing).

The disparity is down to how these charges are calculated. The payment processors charge a flat fee for every top-up, and poor families can't afford to minimize these fees by making a single payment at the start of the year or semester. Instead, they pay small sums every payday, meaning they pay the fee twice per month (or even more frequently).

Not only is the sector concentrated into three companies, neither school districts nor parents have any meaningful way to shop around. For school districts, payment processing is usually bundled in with other school services, like student data management and HR data handling. For parents, there's no way to choose a different payment processor – you have to go with the one the school district has chosen.

This is all illegal. The USDA – which provides and regulates – the reduced cost lunch program, bans schools from charging fees to receive its meals. Under USDA regs, schools must allow kids to pay cash, or to top up their accounts with cash at the school, without any fees. The USDA has repeatedly (2014, 2017) published these rules.

Despite this, many schools refuse to handle cash, citing safety and security, and even when schools do accept cash or checks, they often fail to advertise this fact.

The USDA also requires schools to publish the fees charged by processors, but most of the districts in the study violate this requirement. Where schools do publish fees, we see a per-transaction charge of up to $3.25 for an ACH transfer that costs $0.26-0.50, or 4.58% for a debit/credit-card transaction that costs 1.5%. On top of this, many payment processors charge a one-time fee to enroll a student in the program and "convenience fees" to transfer funds between siblings' accounts. They also set maximum fees that make it hard to avoid paying multiple charges through the year.

These are classic junk fees. As Matt Stoller puts it: "'Convenience fees' that aren't convenient and 'service fees' without any service." Another way in which these fit the definition of junk fees: they are calculated at the end of the transaction, and not advertised up front.

Like all junk fee companies, school payment processors make it extremely hard to cancel an automatic recurring payment, and have innumerable hurdles to getting a refund, which takes an age to arrive.

Now, there are many agencies that could have compiled this report (the USDA, for one), and it could just as easily have come from an academic or a journalist. But it didn't – it came from the CFPB, and that matters, because the CFPB has the means, motive and opportunity to do something about this.

The CFPB has emerged as a powerhouse of a regulator, doing things that materially and profoundly benefit average Americans. During the lockdowns, they were the ones who took on scumbag landlords who violated the ban on evictions:

https://pluralistic.net/2021/04/20/euthanize-rentier-enablers/#cfpb

They went after "Earned Wage Access" programs where your boss colludes with payday lenders to trap you in debt at 300% APR:

https://pluralistic.net/2023/05/01/usury/#tech-exceptionalism

They are forcing the banks to let you move your account (along with all your payment history, stored payees, automatic payments, etc) with one click – and they're standing up a site that will analyze your account data and tell you which bank will give you the best deal:

https://pluralistic.net/2023/10/21/let-my-dollars-go/#personal-financial-data-rights

They're going after "buy now, pay later" companies that flout borrower protection rules, making a rogues' gallery of repeat corporate criminals, banning fine-print gotcha clauses, and they're doing it all in the wake of a 7-2 Supreme Court decision that affirmed their power to do so:

https://pluralistic.net/2024/06/10/getting-things-done/#deliverism

The CFPB can – and will – do something to protect America's poorest parents from having $100m of their kids' lunch money stolen by three giant fintech companies. But whether they'll continue to do so under a Kamala Harris administration is an open question. While Harris has repeatedly talked up the ways that Biden's CFPB, the DOJ Antitrust Division, and FTC have gone after corporate abuses, some of her largest donors are demanding that her administration fire the heads of these agencies and crush their agenda:

https://prospect.org/power/2024-07-26-corporate-wishcasting-attack-lina-khan/

Tens of millions of dollars have been donated to Harris' campaign and PACs that support her by billionaires like Reid Hoffman, who says that FTC Chair Lina Khan is "waging war on American business":

https://prospect.org/power/2024-07-26-corporate-wishcasting-attack-lina-khan/

Some of the richest Democrat donors told the Financial Times that their donations were contingent on Harris firing Khan and that they'd been assured this would happen:

https://archive.is/k7tUY

This would be a disaster – for America, and for Harris's election prospects – and one hopes that Harris and her advisors know it. Writing in his "How Things Work" newsletter today, Hamilton Nolan makes the case that labor unions should publicly declare that they support the FTC, the CFPB and the DOJ's antitrust efforts:

https://www.hamiltonnolan.com/p/unions-and-antitrust-are-peanut-butter

Don’t want huge companies and their idiot billionaire bosses to run the world? Break them up, and unionize them. It’s the best program we have.

Perhaps you've heard that antitrust is anti-worker. It's true that antitrust law has been used to attack labor organizing, but that has always been in spite of the letter of the law. Indeed, the legislative history of US antitrust law is Congress repeatedly passing law after law explaining that antitrust "aims at dollars, not men":

https://pluralistic.net/2023/04/14/aiming-at-dollars/#not-men

The Democrats need to be more than The Party of Not Trump. To succeed – as a party and as a force for a future for Americans – they have to be the party that defends us – workers, parents, kids and retirees alike – from corporate predation.

Support me this summer on the Clarion Write-A-Thon and help raise money for the Clarion Science Fiction and Fantasy Writers' Workshop!

If you'd like an essay-formatted version of this post to read or share, here's a link to it on pluralistic.net, my surveillance-free, ad-free, tracker-free blog:

https://pluralistic.net/2024/07/26/taanstafl/#stay-hungry

Image: Cryteria (modified) https://commons.wikimedia.org/wiki/File:HAL9000.svg

CC BY 3.0 https://creativecommons.org/licenses/by/3.0/deed.en

[siirenaura]

What lucky pet wants to buy me a new bikini ? 😏