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European Central Bank (ECB) President Christine Lagarde has urged the European Union to develop its own digital payment platform, moving away from reliance on foreign giants like Visa, Mastercard, Paypal, and Alipay. Speaking on The Pat Kenny Show, Lagarde emphasized the need for a “European offer” to secure financial sovereignty, highlighting the risks of dependence on American and Chinese companies. She linked this initiative to the broader goals of the Capital Markets Union (CMU), which aims to create a unified capital market across EU member states, potentially unlocking up to €3 trillion in annual economic value. Lagarde argued that deeper fiscal integration could alleviate pressure on monetary policy and lay the groundwork for a future fiscal union, with estimates suggesting that enhanced integration could contribute over €2.8 trillion to the EU’s GDP by 2032. Lagarde recently said that the ECB aims to finalize preparations for a digital euro by October 2025. 免责声明：本文章仅代表作者个人观点，不代表本平台的立场和观点。本文章仅供信息分享，不构成对任何人的任何投资建议。用户与作者之间的任何争议，与本平台无关。如网页中刊载的文章或图片涉及侵权，请提供相关的权利证明和身份证明发送邮件到support@aicoin.com，本平台相关工作人员将会进行核查。

Ripple unveiled a new blockchain-based drought relief initiative on April 4, targeting arid communities in Kenya’s Laikipia County. Collaborating with Mercy Corps Ventures and DIVA Donate, the firm introduced a pilot that will automatically distribute financial assistance to 533 pastoralists if vegetation health indicators confirm drought conditions. This project utilizes Ripple USD (RLUSD), the company’s stablecoin pegged to the U.S. dollar and issued on both the XRP Ledger and Ethereum networks. As Ripple stated: In partnership with Mercy Corps Ventures and DIVA Donate, Ripple is supporting a pilot project that will use blockchain technology to deliver financial support in the form of Ripple USD (RLUSD)—the stablecoin backed by stability, trust, and compliance—to pastoral communities in Kenya affected by drought. Mercy Corps Ventures is the impact investing arm of the global development agency Mercy Corps. DIVA Donate is a parametric conditional donation platform that leverages decentralized finance (DeFi) and remote-sensed data to deliver effective and efficient disaster relief. The system integrates smart contracts and satellite imaging to monitor grazing conditions. The Normalized Difference Vegetation Index (NDVI), a satellite-based metric, is used to evaluate vegetation health. If conditions fall below the drought threshold by May 31, funds are automatically disbursed via RLUSD, with each pastoralist eligible to receive about $75—sufficient to feed one livestock animal for half a year. Contributors can participate by depositing RLUSD through connected wallets, with funds held in escrow and distributed only when satellite data activates the smart contract. If drought conditions are not met, funders may reclaim their contributions or allocate them to future campaigns. Ripple underscored how stablecoins and blockchain technology can streamline global aid distribution. Traditional challenges like delayed settlement, lack of transparency, and difficulty reaching unbanked populations often hinder cross-border support. RLUSD aims to counter these issues with programmable, traceable disbursements. This effort builds on Ripple’s previous work funding organizations such as CARE and Mercy Corps Ventures to explore blockchain’s role in financial inclusion. At Swell 2024, Ripple expanded its efforts by partnering with the International Rescue Committee to pilot blockchain-powered payments in relief programs, reflecting the growing interest in merging digital finance and social impact. 免责声明：本文章仅代表作者个人观点，不代表本平台的立场和观点。本文章仅供信息分享，不构成对任何人的任何投资建议。用户与作者之间的任何争议，与本平台无关。如网页中刊载的文章或图片涉及侵权，请提供相关的权利证明和身份证明发送邮件到support@aicoin.com，本平台相关工作人员将会进行核查。

A recent cybersecurity report by Sekoia revealed an evolving threat posed by the Lazarus Group, the notorious North Korea-linked hacking group. It is now leveraging a tactic known as “ClickFix” to target job seekers in the cryptocurrency sector, particularly within centralized finance (CeFi). This approach marks an adaptation of the group’s earlier “Contagious Interview” campaign, which was previously aimed at developers and engineers in artificial intelligence and crypto-related roles. In the newly observed campaign , Lazarus has shifted its focus to non-technical professionals, such as marketing and business development personnel, by impersonating major crypto firms like Coinbase, KuCoin, Kraken, and even stablecoin issuer Tether. The attackers build fraudulent websites mimicking job application portals and lure candidates with fake interview invitations. These sites often include realistic application forms and even requests for video introductions, fostering a sense of legitimacy. However, when a user attempts to record a video, they are shown a fabricated error message, which typically suggests a webcam or driver malfunction. The page then prompts the user to run PowerShell commands under the guise of troubleshooting, thereby triggering the malware download. This ClickFix method, though relatively new, is becoming more prevalent due to its psychological simplicity – since users believe they are resolving a technical issue, and not executing malicious code. According to Sekoia, the campaign draws on materials from 184 fake interview invitations, referencing at least 14 prominent companies to bolster credibility. As such, the latest tactic demonstrates Lazarus’s growing sophistication in social engineering and its ability to exploit the professional aspirations of individuals in the competitive crypto job market. Interestingly, this shift also suggests that the group is expanding its targeting criteria by aiming not just at those with access to code or infrastructure but also at those who might handle sensitive internal data or be in a position to facilitate breaches inadvertently. Despite the emergence of ClickFix, Sekoia reported that the original Contagious Interview campaign remains active. This parallel deployment of strategies suggests that North Korea’s state-sponsored collective may be testing their relative effectiveness or tailoring tactics to different target demographics. In both cases, the campaigns share a consistent goal – delivering info-stealing malware through trusted channels and manipulating victims into self-infection. The Federal Bureau of Investigation (FBI) officially attributed the $1.5 billion attack on Bybit to the Lazarus Group. Hackers targeting the crypto exchange employed fake job offers to trick staff into installing tainted trading software known as “TraderTraitor.” Although crafted to look authentic through cross-platform JavaScript and Node.js development, the applications embedded malware designed to steal private keys and execute illicit transactions on the blockchain.

 UBS advises investors to stay calm during market volatility, offering three main reasons to support long-term asset growth amid declines. First, they highlight that market sell-offs are usually temporary, with corrections of over 10% often recovering in a few years. Second, a liquidity strategy is crucial to protect assets, ensuring investors can maintain their lifestyle while waiting for recovery. Lastly, UBS encourages leveraging volatility to rebalance portfolios and explore opportunities like tax-loss harvesting. #UBS #MarketVolatility #InvestmentStrategy #LiquidityStrategy #PortfolioRebalancing #MarketDecline

Financial author Robert Kiyosaki declared Friday’s sharp market downturn confirms the financial collapse he has predicted for decades, stating the U.S. is now in a recession and potentially a depression. His comments came as global stock markets shed trillions, driven by new U.S. tariffs and swift Chinese retaliation. Major U.S. tech stocks were hit hard. Apple, Microsoft, and Nvidia shares fell sharply Friday (7.3%, 3.56%, and 7.36% respectively), extending Thursday’s losses. Amazon, Alphabet (Google), and Meta also saw significant declines (4.15%, 3.20%, 5.06%). The sell-off, wiping a reported $6.4 trillion from global equity markets according to the New York Post , followed new U.S. tariffs taking effect and immediate Chinese countermeasures, including hefty import taxes and company blacklists. In contrast to traditional markets, the crypto market demonstrated resilience. After an initial dip, the total crypto market cap recovered quickly, bouncing back to $2.76 trillion. Bitcoin notably rebounded from lows near $81,000 to trade back above $83,000 Related: Standard Chartered: Bitcoin Correction Linked to Stock Market Dip Taking to social media, Kiyosaki claimed the crash validates warnings from his book “Rich Dad’s Prophecy,” particularly regarding risks to baby boomers’ retirement savings in traditional assets like stocks, bonds, and mutual funds. Instead, Kiyosaki urged Americans to consider alternative stores of value like Bitcoin. “As I have been suggesting for years, I recommend saving real gold, real silver, and today, Bitcoin,” he wrote. He added that the value of these assets will rise as the U.S. dollar weakens and inflation surges. “Gold, silver, and Bitcoin are not going up in price — the dollar is going down in value.” While Kiyosaki’s warnings resonate with some, others point out that he has made similar predictions during past financial crises, such as the Global Financial Crisis, which didn’t fully materialize as expected. Jim Vitek also suggests that the market may not yet be in a “bubble” state, indicating more room for equities to lose value before a crash. Related: Kiyosaki’s Stock Market Crash Warnings Look Prescient—Bitcoin: The Safety Net & Discounted Asset The market downturn followed the latest round of U.S. trade measures targeting imports from China, the EU, and other nations. China’s response was immediate and forceful. European markets followed suit, with the UK’s FTSE 100 dropping 4.9% and Germany’s DAX falling nearly 5%. Japan’s Nikkei lost over 2.7%, with Prime Minister Fumio Kishida calling the situation a “national crisis.” Meanwhile, President Donald Trump dismissed concerns over the market crash, pointing instead to job growth and economic fundamentals. “Hang tough. We can’t lose,” he wrote on social media. Disclaimer: The information presented in this article is for informational and educational purposes only. The article does not constitute financial advice or advice of any kind. Coin Edition is not responsible for any losses incurred as a result of the utilization of content, products, or services mentioned. Readers are advised to exercise caution before taking any action related to the company.