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How AI Regulation will Shake up Fintech

AI Regulation

By Elliott Hoffman

As AI is increasingly being adopted, offering benefits such as automation and improved decision-making, there are also risks, including biases and potential malfunctions. The European Union has introduced the AI Act to regulate AI in fintech, aiming to ensure data quality, transparency, and human oversight. The legislation could impact AI companies globally, but some are concerned about its potential impact on innovation and the complexity of enforcement. Similar AI regulations are being considered in Brazil and the UK, making it crucial for AI businesses to stay informed about evolving regulations.

There’s almost no area in our lives that has remained untouched by artificial intelligence (AI). As its adoption becomes increasingly more widespread, so does its level of sophistication and potential use across multiple sectors.

Applications that AI has been successfully deployed in range from production line robots in factories to diagnosing serious illnesses and diseases in patients. In finance, it’s being used too, to detect fraud, assess lending and investment risks and provide credit scores.

The key benefits of AI are that it speeds up and automates processes, while also having the potential to provide more accurate results than if the same task was performed by a human. That leads to improved decision-making and greater efficiency, while freeing up workers to focus on more critical jobs that add customer value.

Despite all the clear advantages that AI tools have to offer, however, it also presents some big risks for the user. Chief among them is the potential for it to be biased towards or discriminate against certain groups of people in its decision or findings.

When something goes wrong, it has the potential to go spectacularly wrong. One of the most high-profile examples of this was when Microsoft’s AI chatbot, Tay, ended up posting more than 95,000 tweets on Twitter, which rapidly turned racist, misogynist and anti-Semitic.

AI regulation

The implications for AI malfunctioning in banking and finance are just as serious, if not more so, particularly where businesses’ and people’s money and, ultimately, livelihoods are at stake. For example, if a wrong trading call is made because AI made an incorrect prediction, shaving millions of the value of a company’s stock.

As a result, the calls have grown louder for AI to be regulated in the fintech industry. While it may be a good idea in principle, it’s much harder to enforce given the fragmented global nature of the market, with each country having its own particular set of regulatory rules.

The most significant move so far to regulate fintech has come from the European Union (EU). The aim of the AI Act, which was recently approved by the European Parliament, is to tighten up the rules governing data quality, accountability, transparency and human oversight.

The new regulation applies to organisations inside the EU, but also those outside that supply AI systems to organisations within it or whose output is used within the Union. That could impact AI companies almost anywhere in the world if they provide a service to the EU.

By using a simple classification system, the new rules can be used to work out the threat AI poses to a person’s health and safety or basic rights. That then provides a ranking of unacceptable, high, limited or minimal, enabling the company to take the appropriate action.

What it means for fintech

Essentially, the new legislation will determine how businesses provide, use, distribute or import software for credit assessment of individuals, biometric identification or human capital management. It’s also designed to force providers to be more transparent while protecting vulnerable people from being exploited by software that uses subliminal techniques.

The fines for breaking the new rules are eye-watering. They can amount to €10 to 30 million or two to six percent of a firm’s global yearly turnover, whichever figure is higher.

While it may be well-intentioned in its goals, however, the AI Act may have the unintended consequence of forcing many technology firms out of the EU. It’s already a big concern for many, with 50% of AI startups claiming the legislation will slow down innovation in Europe and 16% deciding whether to stop developing the technology altogether or move outside the EU.

Even outside of this, the AI Act creates a minefield of wider problems. The biggest one is figuring out what software is classed as an AI system. Then there’s the issue of determining which companies are subject to the new law, which becomes more complex yet if they have operations in many different countries or regions – on top of the specific county regulations that they must already comply with.

It’s not just Europe where AI regulation is being implemented either. Brazil’s Congress has passed a bill creating a legal framework for the technology, while a consultation for establishing a regulatory regime has been launched by the UK government.

The AI Act is set to be adopted in June, opening the floodgates for other global regulators to follow suit. It’s therefore paramount that AI businesses keep up to date with all these changes, so they don’t have any nasty surprises further down the line.

This article was originally published on 16 July 2023

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About the Author:

Elliott HoffmanElliott Hoffman is a college dropout turned serial entrepreneur focusing on business development and emerging technology. He co-founded AI Tool Tracker, the largest AI tools directory on the internet. Having played key roles in leading companies within the FinTech space like Yield App, S21, and one of the world’s largest P2P exchanges, his strategic mindset continues to drive business growth and position AI ToolTracker as a transformative force in the world of AI technology.

Recycling for a Richer Wallet: Victoria Gerrard, La Crosse, WI Sustainability Activist Shares The Financial Benefits of Sustainable Living

Recycling for a Richer Wallet

Recycling and sustainable living are excellent ways of reducing waste and preserving the environment. Not only do they help reduce carbon footprint, but they also produce financial benefits for individuals who practice them. Recycling and sustainable living help you save money in different ways. In this blog, Victoria Gerrard La Crosse WI, will discuss the environmental and financial benefits of sustainable living to motivate you to adopt this lifestyle.

Cost Savings From Durability:

Sustainable products are long-lasting, and their durability translates to cost savings for the buyer. Sustainable living entails using eco-friendly products like LED light bulbs, eco-friendly appliances, and greener forms of transportation.

By using these products, one can save money in the form of utilities and regular vehicle repairs. With consistent use, these eco-friendly products will reduce the need for replacements and repairs, which means saving money for other essential things.

For example, a regular incandescent light bulb costs $0.50 and lasts 1,000 hours. On the other hand, an LED light bulb costs $1.00 but can withstand up to 25,000 hours of use! Over time, this adds up to substantial savings in utility bills.

Savings From Recycling:

Recycling is one of the most important elements of sustainable living. Recycling materials reduces the need for resources and energy to produce new products. It also helps reduce your trash output and conserves natural resources.

If you establish a consistent way to collect and recycle metal, plastic, or glass, you can sell it to recycling plants and get paid. Besides, you can also consider organizing a neighborhood recycling event where people get paid for dropping off their recyclables in bulk.

In addition, there are many ways to save money by recycling. You can get a refund when you return soda cans or plastic bottles to certain stores or sell recyclables like aluminum and glass for cash. Also, many government organizations provide incentives to people who recycle. These are just a few examples of how recycling can lead to savings in the long run.

Savings From Shopping Second-Hand:

Second-hand shopping is another great way of saving money while being sustainable. You can get quality products at lower prices by shopping thrift stores or online second-hand sites.

This way, you can save your hard-earned money while reducing the demand for new products and preventing the waste of resources used in making them. Second-hand shopping is an excellent way to save money without compromising on quality.

Regular Maintenance:

Living sustainably can encourage one to make repairs and maintain their property. This lifestyle encourages people to maintain what they have instead of accumulating unnecessary items. Owning less property means fewer repairs, improvements, maintenance, and unnecessary purchases.

For example, instead of buying new furniture every year, individuals can repair what they have or make modifications. Maintaining the property is a cheaper option than replacing it.

Reducing Energy Bills:

Energy prices keep soaring, and every household is looking for ways to reduce energy bills. Recycling and sustainable living offer several ways to reduce energy usage, lowering energy consumption bills.

For example, installing a smart thermostat can help you to customize your heating preferences and reduce electricity usage. Incorporating biodegradable material and LED light bulbs can minimize energy consumption.

Reducing The Cost Of Food:

Cultivating a small garden or buying locally can save money and eliminate the need for packaging, an added form of waste. Farmers’ markets and community-supported agriculture programs also provide an excellent avenue for buying fresh produce at lower prices than supermarkets.

Furthermore, a vegetarian diet can reduce your grocery bill by over 60%, eliminate the need to transport meat from meat processing plants to different cities and reduce animal slaughter, promoting sustainable living.

Another way is giving up small daily luxuries such as takeout coffee, fast food meals, and other convenience items can add up to significant savings over time. Not only that but also redirecting your finances from unnecessary purchases into investments can lead to meaningful long-term financial benefits.

Tax Benefits:

Tax credits and deductions are some of the financial benefits of sustainable living. Many cities offer tax breaks for businesses and homeowners investing in energy-efficient appliances, renewable energy systems, and green building materials.

Federal tax credits may also apply to those who purchase efficient heating and air conditioning units. Furthermore, tenants can use rent credits if their landlords invest in energy-efficient upgrades.

In addition, many utility companies offer energy rebates and discounts for customers who install certain appliances or switch to renewable energy sources. These are just some tax benefits you can enjoy while living sustainably.

Conclusion:

Victoria Gerrard La Crosse WI, considers recycling for a richer wallet and living sustainably results in significant financial benefits. Sustainable living promotes durable, eco-friendly products that require no maintenance, reducing expenditure on replacements and repairs. It encourages people to maintain what they have instead of accumulating unnecessary items. Reducing energy consumption, buying second-hand, or engaging in home gardening can help individuals save money and positively impact the environment. There are also financial benefits like taxes and reducing your carbon footprint. Everyone should strive to make small lifestyle adjustments to recycle and make eco-friendly choices to live more sustainably.

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Best Bitcoin Roulette Sites: How to Play Crypto Roulette Using BTC, ETH, LTC, and More

Best Bitcoin Roulette Sites

Roulette is an exciting game, but it’s even better when you do it in a legit online casino using the most convenient mode of payment available. 

We’ve ranked Bitcoin roulette casinos with a gaming license, tons of easily accessible promotions, and a fully mobile layout that lets players take their favorite wheels on the move.

Bitstarz gets a special shout-out for its wide selection of over 4,000 games, including BTC roulette, and a crypto bonus of up to 5 BTC.

Learn more about this awesome crypto casino with the rest of our list in this in-depth review of the best Bitcoin roulette casinos.

Best Bitcoin Roulette Sites

1. Bitstarz – Best Crypto Roulette OverallBitstarz – Best Crypto Roulette Overall

Pros

  • 8+ Bitcoin roulette games
  • Over 4,000 casino games
  • Up to 5 BTC welcome package
  • 180 free spins with first deposit 
  • Mobile layout permits full gaming compatibility
  • Accepts 10 cryptocurrencies

Cons 

  • Live casino has geo-restrictions

Bitstarz is our top-reviewed Bitcoin roulette site overall. Their variety of roulette wheels, selection of online slots, and premier welcome bonus package are hard to beat!

Table Games Variety: 4.3/5

Bitstarz hosts more than 4,000 online casino real money games from 19 high-tech software providers, including True Lab, Belatra, and Endorphina. Although their selection of live Bitcoin roulette games is geo-restricted to exclude some countries, you’ll be spoiled for choice regardless. 

On their site, we found several Bitcoin roulette games covering American and European roulette, French roulette, and multi-wheel roulette. Players from non-restricted locations also have access to over 150 live casino games that accommodate several variants of poker, blackjack, roulette, and baccarat. 

That said, there’s plenty to do in between spins here. Bitstarz hosts over 3,000 traditional reels, tens of progressive jackpot slots, and around 700 Bitcoin-exclusive titles you’ve never seen before. 

Bonuses & Promos: 4.5/5

You’ll get 20 free spins just for registering with Bitstarz!

When you make your first crypto deposit here, you’ll qualify for 180 additional free spins and a generous match. First deposits of 0.0008 BTC or more will qualify for Bitstarz’s 100% welcome bonus of up to 1 BTC! 

If you’re up for it, you can score 3 BTC in bonus cash with your second and third deposits. Your second BTC deposit can score you a 50% reload match up to 1 BTC, while your third gets you a 50% match worth up to 2 BTC. 

We were also fans of Bitstarz’s Slot Wars and Table Wars – just for spinning through slots and playing roulette, you can work your way up their leaderboards to win thousands of dollars weekly.

Banking Options: 4.1/5

Bitstarz accepts and pays out winnings through 10 forms of cryptocurrency. Players can deposit and withdraw Bitcoin, Bitcoin Cash, Ethereum, Dogecoin, Litecoin, and Tether here. 

If you’re new to betting with crypto, Bitstarz makes it easy to buy coins with one click using fiat currency. 

We also appreciated their low betting limits. To start playing here, you’ll only have to deposit 0.0002 BTC, 100 DOGE, 0.01 ETH, 0.001 Bitcoin Cash, 0.01 LTC, or 0.01 USDT. 

Finally, you can expect instant, blazing-fast, and fee-free crypto cashouts. On average, you’ll have your money in hand within 8 minutes. 

Mobile Compatibility: 4.8/5

For an online casino with a game library as massive as this, Bitstarz went above and beyond to create a fully mobile platform. 

Although they don’t carry a native app, their website is seamlessly equipped for mobile use. 

You’ll find yourself playing Bitcoin roulette, spinning through thousands of online slots, and enjoying Bitstarz’s full selection of crypto-exclusive titles on the go. 

Join Bitstarz and explore an incredible selection of BTC roulette with a great crypto bonus!

2. Ignition – Best Bitcoin Live Roulette GamesIgnition – Best Bitcoin Live Roulette Games

Pros 

  • Several variants of live roulette 
  • 5 virtual roulette wheels 
  • 34 live casino games 
  • 24/7 poker room 
  • Accepts 4 forms of crypto
  • Comparatively low 25x playthrough
  • $3,000 welcome bonus 

Cons 

  • 3% fiat withdrawal fee 
  • Bingo and keno games aren’t mobile-friendly

Ignition attracts poker players and roulette players alike. If you’re looking to play BTC roulette while you watch real people spin physical wheels, you won’t want to miss out. 

Table Games Variety: 4.4/5 

Although Ignition Casino carries just 120 games, its library covers virtually every betting sector. Players can enjoy several live dealer roulette variants within their live casino section with 34 games. 

The casino makes you feel gut-churning anticipation as you watch a real person call out your lucky numbers. 

Those crunched for time can wager across Ignition’s five virtual roulette wheels. 

If you’re looking for a change of pace, consider joining Ignition’s 24/7 poker room – they’re known for carrying the lowest house edge, boasting daily poker tournaments, and offering monthly grand prizes well into the millions. 

Bonuses & Promos: 4.2/5

Ignition offers a generous, double-tiered welcome package for crypto and fiat bettors. 

Use the code “IGWPCB150” with your first Bitcoin deposit to claim your 150% poker bonus up to $1,500. If you use the same promo code with your second BTC deposit, you’ll receive an identical 150% casino bonus worth up to $1,500. 

Fiat bettors can use the code “IGWPCB100” with their first cash deposit to claim Ignition’s 100% poker bonus worth up to $1,000. Once again, using the same code with your second cash deposit will score you a 100% casino bonus of up to $1,000. 

Crypto players can walk away with $3,000 to start, while fiat players qualify for $2,000 in bonus cash. 

Ignition’s low 25x playthrough makes these appealing bonus offers seem even more tempting. 

Banking Options: 3.9/5 

Ignition accepts Bitcoin, Bitcoin Cash, Litecoin, and Ethereum from crypto bettors. Fiat players are limited to making deposits through credit card or voucher payments. 

To get started and claim Ignition’s welcome bonus package, you’ll need to deposit $20 equivalent via credit card or Bitcoin. 

Of course, crypto payouts are 100% fee-free and processed to your wallet within 24 hours. 

Unfortunately, cash bettors can only request a courier check or bank wire payout. Both methods are attached to a 3% withdrawal fee, and you’ll have to wait 5-7 days for your money either way. 

Mobile Compatibility: 4.6/5

Ignition carries a downloadable Poker App, which is only available for players in non-geo-restricted areas. Everyone else will have to settle for Ignition’s mobile-optimized website. 

Although you won’t have remote access to Ignition’s bingo or keno games, you’ll have no problem taking a virtual seat at the roulette table. 

Additionally, their 34 live dealer games, 56 slots, and 24/7 poker room run as smooth as butter, even on smaller screens. 

Sign up for an Ignition casino account and enjoy great live dealer Roulette games!

3. mBit Casino – Best Bitcoin Lightning RoulettemBit Casino – Best Bitcoin Lightning Roulette

Pros 

  • Live “Lightning Roulette” from Evolution Gaming
  • Around a dozen virtual roulette wheels 
  • Accepts 6 forms of crypto 
  • 175% welcome bonus up to 5 BTC 
  • 300 free spins with first deposit 
  • Reasonable 35x playthrough 
  • 1,161 online slots 

Cons 

  • Live dealer games are geo-restricted 
  • Specialty games aren’t mobile-friendly
  • Fairly high BTC deposit minimum

mBit’s exclusive “Lightning Roulette” brings electrifying gameplay, real people, and day-or-night competition to your computer screen. 

Table Games Variety: 4.3/5

If you’re looking to play BTC roulette with an authentic live dealer, you’ll love mBit’s exclusive “Lightning Roulette.” 1-5 lucky numbers on mBit’s custom wheel get struck by lightning each round – if the ball lands in your pocket, you’ll take advantage of multiplied payouts worth up to 500x your original wager. 

With maximum allowed bets of $100 per spin, players who count their lucky stars can win $50,000 per round. A live dealer is waiting to take your number 24/7, so feel free to hop in line anytime. 

Between rounds of Lightning Roulette, you’ll have all the fixings of a traditional online casino waiting for you. mBit also hosts over a thousand online slots alongside European, American, and French roulette wheels. 

Some of their live dealer games aren’t playable in certain countries. 

Bonuses & Promos: 4.3/5

Although we liked mBit’s very reasonable 35x playthrough requirements, it’s clear that the Bitcoin casino gears a portion of their welcome bonus offer towards high rollers. 

When you make your first deposit of 0.001 BTC or more with mBit, you’ll qualify for their 175% welcome bonus of up to 5 BTC. 

Should you choose to deposit 0.005 BTC or more, you’ll also receive 300 free spins across hundreds of their high-quality reels. Having all these free spins in your arsenal can make it that much easier to cash out your winnings. 

Banking Options: 4/5 

mBit accepts and pays out via 6 forms of cryptocurrency – you can use Bitcoin, Litecoin, Bitcoin Cash, Dogecoin, Tether, or Ethereum here. 

Thankfully, it’s easy to get started placing your wagers. You’ll only need to deposit 0.001 BTC, 0.01 ETH, 0.001 Bitcoin Cash, 0.01 LTC, 100 DOGE, 1 USDT, or 0.0003 BTC via Coinspaid. 

Crypto withdrawals with mBit are fee-free and virtually instant. Like Bitstarz, mBit prides itself on its sub-10-minute cashouts! 

However, you’ll need a minimum of 0.001 BTC in your casino wallet to initiate a payout. 

Mobile Compatibility: 4.2/5

Although most of mBit’s casino library is optimized for mobile use, their specialty games don’t work on smartphones. It’s also worth noting that mBit doesn’t host a mobile application. 

While avid bingo, keno, Plinko, and dice game players will be disappointed with mBit’s lack of specialty provisions on mobile, everyone else won’t notice the difference. 

You can still enjoy round after round of “Lightning Roulette,” play through their full selection of table games, and spin thousands of high-quality reels through mBit’s mobile-optimized website. 

Explore special Roulette games at mBit when you register today!

4. Wild Casino –Best Crypto Online Roulette TournamentsWild Casino –Best Crypto Online Roulette Tournaments

Pros 

  • Head-to-head roulette tournaments
  • 8 virtual roulette wheels 
  • Accepts 17 forms of crypto 
  • 300% crypto match up to $9,000
  • 250% fiat match up to $5,000 
  • 18 live casino games 

Cons 

  • No poker room
  • High fiat withdrawal fees 
  • Delayed fiat payouts 

Roulette players in search of head-to-head action will appreciate Wild Casino’s online tournament. You’ll find yourself competing against other players for a slice of the grand prize!

Table Games Variety: 4/5

Wild Casino lets players enjoy a high-stakes roulette tournament – instead of competing against the house, you’ll compete against other bettors’ luck (and skill) for jackpot prizes. 

It’s rare to see Bitcoin casinos offer head-to-head competition, but Wild Casino’s tournament boasts 24/7 traffic. 

Once you get tired of beating the crowd, you’ll have the opportunity to wager across eight virtual roulette wheels. Wild Casino hosts a few live dealer BTC roulette games alongside 18 blackjack, craps, and baccarat variants. 

Although Wild Casino lacks a poker room, there’s still plenty to do between spins. Within their selection of 378 games, you’ll find over 200 high-RTP slots, 8 video poker variants, 11 games of online blackjack, and several versions of keno. 

Bonuses & Promos: 4.5/5

Fiat and crypto bettors can take advantage of Wild Casino’s generous bonuses. 

When you make your first Bitcoin deposit using the code “CRYPTO300”, you’ll claim a 300% initial match bonus worth up to $3,000. If you’re itching for the full package, you can use the code “CRYPTO150” to claim a 150% bonus worth up to $1,500 for each of your next four deposits. 

Although crypto players can walk away with $9,000 in bonus cash, we weren’t fans of their high playthrough requirement. 

Fiat bettors who use the code “WILD250” with their first deposit can redeem a 250% match bonus up to $1,000. Players can use the code “WILD100” across their next four deposits to claim four 100% reload bonuses worth up to $1,000 each. 

Their fiat welcome package lists a much more reasonable 35x playthrough!

Banking Options: 4.3/5

Wild Casino accepts 17 forms of cryptocurrency and 8 fiat banking options. 

Crypto players can make their deposits here through Bitcoin, Bitcoin Cash, ApeCoin, Avalanche, Binance, Cardano, ChainLink, Ethereum, Litecoin, Polygon, Ripple, Solana, Stellar, Shiba Inu, USDC, or Tether. 

Although you’ll have to deposit a minimum of $50 through ETH to get started and claim your bonus here, all other cryptocurrencies only require a $20 equivalent. 

Fiat players can deposit funds using their credit/debit cards. They can also initiate P2P transfers and send money orders, bank wire transfers, or paper checks. 

While crypto payouts are fee-free and processed within a few minutes, fiat bettors can request withdrawals via courier check or wire transfer. Both methods come attached to a 3% flat fee. 

Courier checks take seven days to reach your doorstep, and bank transfer payments take 15 days to hit your account balance. 

Mobile Compatibility: 4.7/5

Wild Casino doesn’t host a mobile application, but its website runs smoothly on mobile devices. Surprisingly enough, each of their 378 games load quickly, and we didn’t encounter any perceivable lag. 

Wild Casino held its own even when loading up four games simultaneously. 

You’ll enjoy playing live roulette, participating in their high-stakes roulette tournament, and spinning through their slots from the palm of your hand. 

Grab the meanest crypto bonus at Wild Casino!

5. 7Bit Casino – Best American and European Roulette with Crypto7Bit Casino – Best American and European Roulette with Crypto

Pros 

  • 16 virtual roulette wheels 
  • Welcome Package up to 5 BTC 
  • 1,200+ online slots 
  • Accepts eight forms of crypto 
  • Low deposit limits 
  • Fully mobile casino library 

Cons 

  • No live dealer games 
  • Fiat bonuses are significantly less attractive 

7Bit Casino was our top-ranked pick for American and European roulette players – aside from their 1,200+ slots, you’ll find 16 BTC roulette variations here. 

Table Games Variety: 4.1/5

7Bit carries around 1,300 casino games from 23 high-tech software providers. That said, 1,200 of those titles are crypto-exclusive slots.  

Their table games library has 88 games, including 16+ BTC roulette variants. Whether you’re looking for American, European, or French roulette, 7Bit has you covered. 

The one caveat you’ll have to deal with is 7 Bit’s complete lack of live dealer provisions. Once you get past that hurdle, you’ll find 14 video poker variants, 17+ online blackjack games, and 11+ baccarat tables to enjoy between roulette sessions. 

They also host three bingo games and two versions of keno. 

Bonuses & Promos: 4/5

When you make your first deposit with 7Bit, you’ll qualify for their 100% match bonus up to 1.5 BTC or $100. Regardless of the currency you choose to bet with, you’ll receive 100 free spins. 

You can claim another 3.5 BTC or $400 in bonus cash with your next three deposits. 

Use the code “2DEP” with your second deposit to claim a 50% reload match worth up to 1.25 BTC or $100. With your third deposit, use the code “3DEP” to claim another 50% reload match worth up to $200 or 1.25 BTC. 

You can use the code “4DEP” with your fourth crypto or fiat deposit to claim a final 100% match bonus worth up to 1 BTC or $100. 

In total, you can walk away with up to 5 BTC or $500 in fiat over your first four deposits.

Although 7Bit’s crypto bonuses are alluring, their listed 40x wagering requirements apply to fiat depositors too. 

Banking Options: 4/5

Crypto players can make their deposits here using Bitcoin, Bitcoin Cash, Litecoin, Ripple, Dogecoin, Tether, Ethereum, and TRX. You’ll need to put down at least 0.0005 BTC to get started and claim your bonuses. 

Fiat players can deposit funds using their credit/debit card, NeoSurf, Skrill, Neteller, PaySafeCard, ecoPayz, Rapid Transfer, Zimpler, or Interac. 

To start placing wagers, you’ll need to deposit at least $10. If you want to claim your fiat bonuses, this minimum jumps to $20. 

Although crypto deposits and payouts are instantly processed and fee-free, fiat bettors have to deal with deposit fees ranging from 2.5% to 5%. All non-e-wallet payouts take 1-3 business days to reach your bank account.  

Mobile Compatibility: 4.6/5

7Bit doesn’t host a native mobile app, but their website does the job perfectly. Players can enjoy the full scope of 7Bit’s casino library from anywhere. 

Their 16+ BTC roulette games, 1,200+ online slots, and 88 video table games load quickly and play nice, even on smaller screens.

Additionally, their website’s mobile interface runs smoothly, and we almost forgot that we weren’t using a dedicated app to place our wagers. 

Find out what else 7Bit casino has to offer, and sign up for an account now!

Runners-up:

How We Ranked the Best Bitcoin Roulette Sites

Table Games Variety 

In this review, we prioritized the best online casinos with the widest variety of Bitcoin roulette games, online slots, and live casino games. 

No matter what you like to wager on, there’s a seat at the table for everybody. 

Bonuses & Promotions

If you play your cards right, online gambling can be especially profitable. That’s why we considered online casinos with the biggest potential bonuses. 

We prioritized Bitcoin casinos with the lowest wagering requirements.  

Deposits & Withdrawals 

Although you can deposit Bitcoin with any online casino on this list, we prioritized sites with the most versatile range of crypto and fiat currency options. 

Beyond this, we considered online casinos with the fastest payout speeds. 

Mobile Compatibility 

Enjoying your favorite roulette games while on the go has never been easier. We prioritized crypto casinos that optimize their online gaming libraries for mobile devices.  

Read More:

Guide to Playing Bitcoin Roulette Online 

Can I Play Bitcoin Roulette Games On My Phone? 

Yes, you can. Not everybody has the time to place bets exclusively from their laptop! Thankfully, it’s easier than ever to play Bitcoin roulette games no matter where you are. 

Each of our top picks has optimized its casino libraries to work flawlessly on mobile devices. Roulette players can sit in with a live dealer, play a quick game of Bitcoin roulette, or compete head-to-head for jackpot prizes while on the go. 

Is It Legal To Play Roulette With Cryptocurrencies? 

It’s fully legal to play Bitcoin roulette games with any casino with a valid operating license. 

Since all our top-reviewed picks are fully licensed and regulated, you won’t face financial penalties or get an ominous letter for playing multi-wheel roulette. 

Check your local laws and regulations before signing up with any Bitcoin roulette sites. 

Is Online Bitcoin Roulette Rigged Against Me? 

No, it’s not. 

So long as the site you choose has a valid license, you can rest assured that you’re getting a fair shake at your winnings. 

Our top-reviewed picks are regularly audited to prove the randomized outcomes of their BTC roulette games and the overall fairness of their house edge. 

That said, depositing your Bitcoin with unlicensed or unknown online casinos is always a bad idea. Aside from being illegal, unlicensed casino sites can present you with rigged games or compromise your financial integrity without consequence. 

Can I Play Other Casino Games Using Crypto Roulette Sites?  

In between spins, roulette players can enjoy everything they’d find with a brick-and-mortar casino. 

All our top-reviewed sites carry hundreds of traditional slots, Bitcoin-exclusive games, and progressive jackpots that can pay into the millions. 

Skill gamers can also play several variants of live dealer poker, baccarat, and blackjack. If you want to wager at your own pace, you can enjoy high-quality video poker variants, online blackjack games, and virtual baccarat tables. 

Finally, you can play games like bingo, keno, Plinko, and craps.  

Related Post: The Best Online Casinos in Canada

How Can I Pick The Right Bitcoin Roulette Site For Me? 

Choosing the right Bitcoin roulette site for you will boil down to your individual betting preferences. 

If you’re looking for the best overall user experience, tens of Bitcoin roulette games, and a huge welcome bonus, you’ll want to give Bitstarz, 7Bit, or mBit a chance. 

Skill gamers interested in playing Bitcoin roulette with a live dealer should go with Ignition Casino. Their notable selection of poker games is an added plus. 

Finally, if you want to play roulette and compete head-to-head for grand prizes, you’ll enjoy Wild Casino. 

Comparison of the Top 5 Bitcoin Roulette Sites 

Bitstarz: Bitstarz is known for carrying over 4,000 games, offering a fully mobile casino library, and waving an irresistible welcome bonus in front of new sign-ups. You can redeem 200 free spins and a total welcome package of up to 5 BTC!

Ignition: Ignition boasts several live roulette variants and a competitive poker room that keeps the action going 24/7. Use the code “IGWPCB150” to claim your 150% poker bonus worth up to $1,500!

mBit Casino: Sponsored by Evolution Gaming, mBit’s Lightning Roulette offers a unique twist on traditional European roulette. Grab 300 free spins and your 110% match bonus up to 1 BTC!

Wild Casino: Wild Casino’s online roulette tournaments connect players in search of head-to-head action. With the code “CRYPTO300”, you can claim your 300% match bonus up to $3,000!

7Bit Casino: 7Bit is praised for its leading variety of progressive jackpots, American roulette wheels, and European roulette variations. Click here to claim 100 free spins and redeem up to 5 BTC of crypto bonuses!

How To Sign Up With The Best Bitcoin Roulette Site 

Thinking about getting started with a Bitcoin roulette site might feel overwhelming if you switch from brick-and-mortar casinos. 

Luckily, making an account with our top pick (Bitstarz) isn’t difficult or complicated. 

1. Create a new player account. 

In the upper-right-hand corner of Bitstarz’s casino site, you’ll notice a green “Sign Up” button. Type in your email address, create a unique username and password and select the cryptocurrency you’d like to use from the drop-down menu.

Finally, mark the “I Agree” checkbox and click “Sign Up” once more to continue. 

2. Verify your personal information. 

Check your primary email inbox for a verification link from Bitstarz. If you don’t see an email from them, check your spam folder. 

Once you find the email, click “Confirm My Account” to verify your information. 

3. Make your first deposit and claim your welcome bonus!

Go to your casino wallet, and enter the amount you’d like to deposit. To claim your welcome bonus, deposit 0.0008 BTC or more. 

You should see double your original deposit listed as a “pending transaction” in your casino wallet. 

Got Your Pick of the Best Bitcoin Roulette Sites?

Cryptocurrency casinos mix the convenience of betting from home with the thrill of enjoying your favorite roulette variants. 

In between spins, you’ll have access to thousands of exclusive slots, hundreds of Bitcoin-only titles, and plenty of live casino games that bring the action to your recliner. 

Our mini-reviews cut through the fluff and deliver straightforward answers to all your questions. 

If you’re still on the fence about which site to choose, we suggest making an account with Bitstarz. 

It’s nearly impossible to go wrong with their massive casino game library, excellent Roullete selection, full-fledged mobile compatibility, and a welcome package worth up to 5 BTC. 

Read more: Best Bitcoin Slots

DISCLAIMER: 18+ only. Online gambling comes with many risks. Players are advised to gamble responsibly and only use funds they can afford to lose. Remember, gambling is only intended for entertainment purposes and is not a solution to any financial difficulties.

Gambling laws and policies vary from one region to another. Some sites mentioned in this review may not be accessible in your area. Always do your due diligence and check your local gambling policies. It is always better to be safe than sorry.

If you suspect you’re becoming addicted to gambling, seek help immediately by contacting the National Gambling Helpline at 1-800-522-4700.

The following resources may be helpful as well:

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The Two Phases of Dental Implant Healing

Dental Implant Healing

Dental implants are a tooth restorative option that offers exceptional longevity, making them the most effective solution for replacing missing teeth. However, the benefits of stability and comfort come with a trade-off: a relatively extended recovery time. The recovery time is particularly long if a bone graft is necessary before the implant procedure. Despite this, the implant healing process, consisting of a two-phase recovery, proves worthwhile as it provides many years of enjoyment. Statistics show that there is a nearly 95% success rate  using nobel implants, find out all you need to know about noble dental implants on this link https://dentakay.com/nobel-implants/

A dental implant comprises three components: a titanium post, an abutment, and a restoration, typically in the form of a crown. The process begins by placing the post, which must fuse with the jawbone, before adding the abutment and crown. Implants require a sturdy jawbone to anchor them securely. This means patients with insufficient bone may require a bone graft before proceeding with the implant, leading to a three-phase recovery. However, for the typical two-phase recovery, let’s focus on the following:

  1. After the implant post is inserted, a recovery and healing period of 3 to 6 months follows.
  2. Subsequently, after placing the abutment, a recovery period of 1 to 2 weeks ensues.

Once the crown is in place, the process is essentially complete, requiring no significant additional recovery. Consequently, the entire implant process typically spans from four to seven months.

Phase 1: Recovery Following Placement of the Implant Post

The implant post procedure is relatively short. For most patients, local anaesthesia is the preferred option, although heavier sedation may be used to alleviate anxiety. If local anaesthesia is used, you should be able to drive home safely afterward. However, with heavier sedation, it is advisable to arrange for a ride home.

During the first 24 hours, you may experience mild pain and tingling sensations, along with possible soreness, bruising, swelling, and minor bleeding. While dizziness, nausea, and blurred vision can occur, they are not common. It’s essential to monitor your symptoms, and if they worsen, contact your dentist promptly, such as the professionals at Bluff Point Dental in Geraldton.

Pain Management

For managing acute pain, it is advisable to use over-the-counter medications like ibuprofen (Advil) or acetaminophen (Tylenol) every six to eight hours. Taking these medications before the anaesthesia wears off can help ease the transition into the recovery period. If the pain persists, you may use prescription medication if approved by your dentist. However, after a few days, you should no longer need it.

Resuming Regular Activities

Initially, it is recommended to take it easy. Some patients may return to work, while those with more demanding jobs might need to take one or two days off. Strenuous activities such as workouts and sports should be avoided for at least three full days or until you no longer need pain medication.

Eating & Drinking

During the recovery period, stick to soft foods like smoothies, shakes, thick soups, yoghourt, and pureed foods. Avoid using a straw, as the suction can dislodge the clots at the incision site. Additionally, hot and spicy foods should be avoided, as they can irritate the surgical area. While recovering, your body will guide you, and you can gradually reintroduce regular foods based on your comfort level. It is normal for this process to take several weeks.

Smoking & Drinking Alcohol

Both smoking and alcohol consumption can hinder the healing process and increase the risk of infection. It is crucial to avoid nicotine and alcohol for at least one week after the surgery, and ideally for a longer period. While a nicotine patch is acceptable, nicotine gum and chewing tobacco should be avoided as they have similar adverse effects as smoking during this time.

The Waiting Period

After your initial surgery and recovery phase, you must allow your jawbone sufficient time for osseointegration to occur. The duration of osseointegration can vary, typically taking anywhere from three to six months. It depends on factors such as the quantity and quality of your bone, your individual risk factors as a patient, and the expertise of your surgeon. Your dentist will regularly monitor your progress during check-ups. The sooner the dentist determines that the implant is fully ready, the quicker you can progress to the next stage of treatment.

Phase 2: Recovery Following Abutment and Crown Placement

To place the abutment, the dentist will need to make an incision in the gum to access the post. Local anaesthesia will be administered to minimise discomfort, resulting in similar side effects as mentioned before. This process may cause some pain and soreness, which typically subsides within one to two weeks.

During this period, it is advisable to return to consuming soft foods for a few days before gradually reintroducing your regular diet. After a couple of weeks, you will revisit the dentist to have the permanent crown placed. Since this step involves no incisions, apart from the possibility of having tender gums, you won’t face any eating or oral care restrictions.

Factors Affecting Recovery Time:

  1. The number of implants: While some implants may require slightly longer healing periods than others, the difference is negligible enough that many patients choose to have all their implants done simultaneously. This way, they can manage the recovery of multiple teeth at once, streamlining the process.
  2. The location of the implants: The healing time can vary based on the location of the implants. Generally, implants in the lower jawbone tend to heal more quickly compared to those in the upper arch.
  3. Bone grafting: If you underwent bone grafting, it can significantly impact your total recovery time. The graft site must be fully healed before proceeding with post placement, and this healing process can take anywhere from three to nine months.

Long-Term Care Tips

Dental implants are durable and can last a lifetime with proper care. Treat them with the same level of care as your natural teeth, and they will serve you well over the years.

Follow recommended oral health practices, including brushing your teeth twice daily, flossing at least once a day, and regularly visiting your dentist. By adhering to these routines, you can minimise wear and tear on the implant(s) and maintain the health of the surrounding gums.

To begin the dental implant process, schedule a consultation with us today! During this consultation, your oral health will be assessed, and suitable treatment options will be discussed. If you don’t have a dentist yet, you can check out this one who does crowns and the best dental implants in Lexington MA.

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Refresh Yourself with a Quick Helicopter Tour to Mount Everest 

Refresh Yourself with a Quick Helicopter Tour to Mount Everest 

You might be sunning yourself on the beaches of Europe as you read this.  Or you might be donning your waterproof mac for sightseeing in Scotland.  But how about a short trip to Everest Base camp this autumn or in the spring break next year? 

How to Reach Mount Everest in a Few Hours 

Okay, so first you need to get yourself to Nepal.  As far as we know, there are no direct flights currently available from outside Asia, but there are several very good airlines that will get you there on two connecting flights.   

Helicopter Tours to Mount Everest

Once you are in Kathmandu, the capital of Nepal, you have the option of taking the long road to Everest by way of the classic Everest Base Camp Trek.  This will take you around two weeks to complete.  While that is not to be sniffed at, you might want to forgo the possibility of blisters, high altitude problems, and living in trekking lodges, and take the faster way.  On the other hand, you might want to both trek and take a helicopter – that option is here also.

Meantime, the newly introduced Helicopter Tour to Everest Base Camp has now become extremely popular.  With this tour you set off from Kathmandu in the early hours and return in time for lunch, having seen all the most iconic places in the Everest Region.

Entering the Mountains

Just as there is a ‘classic’ Everest Base Camp Trek, there now is a ‘classic’ helicopter tour to the Everest base camp which has recently been developed.

With this Everest base camp Heli tour you are collected from your hotel in Kathmandu and taken to the airport where you are introduced to your pilot and fellow adventurers.  There is the option of a private charter, which you can also consider. 

Having boarded with your 4 or 5 companions, high altitude helicopters can only seat 5 or 6 plus the pilot, you fly out over the waking capital city, over the Kathmandu Valley with its hill top villages and farmlands, and into the mountains.  

Stopping to refuel first at the Tenzing Hilary Airport, more of a high-altitude landing strip really, at Lukla, the helicopter then flies you through the Sagarmatha National Park and into the mountains proper.  In case you didn’t know, Sagarmatha is the Nepali name for Mount Everest, just as Chomolungma is the Tibetan, and local Sherpa name. 

Stunning Views

Quickly the pine forests, swift rivers and yak pastures turn to rough mountainous terrain. You fly over Namche Bazaar, a kind of rallying point for expeditions and trekkers alike.   Another famous village is home to the highest monastery in the region at Tengboche.  From here the mountain views surely must strengthen the spirituality of the attending monks. 

Flying over the region, it’s hard to know whether to look straight ahead and up at the mountains surrounding the helicopter, or down to the wonderful landscapes below of boulders, mountain trails, and glaciers. The pilot is well trained in giving you the best possible views and can answer your questions on the area. 

Depending on the time of year, Everest Base Camp might be a hive of industry as climbing expeditions set up camp, which will remain there for two months as they acclimatize themselves on the mountains before their final push for the summit. 

The pilot will point out that fact that there are two base camps.  One located a little further away from the mountain which is visited by the thousands of trekkers who annually come through the region.  And one situated on the infamous and dangerous Khumbu Ice Falls.  Here the climbers make their camp, sitting atop an ever-moving ground of ice.  

Landing in the Mountains 

Because the base camps are so busy and the land so precarious, non-emergency helicopters are not able to land here.  Instead, you will be taken to a high ridge of suitably hard rock to disembark.  This is Kalapattar and at 5,645m the mountain views are simply the best you can possibly get.  Trekkers also incorporate climbing up here in their itinerary for the fabulous views of Mt Everest and the other Himalayan mountains.  

The third landing has equally as amazing views of the mountains, including the world’s highest.  What’s more this landing comes with breakfast.  Sometimes called Breakfast on Everest, this tour gives you time to relax while being mesmerized by the views and drinking coffee. Or champagne if you want to push the boat out!

Logistics

You can book one seat on a group tour or charter the whole helicopter.  It is also possible to incorporate part of the classic Everest Base Camp Trek with a return by helicopter, giving you the best of both world.  Everything can be discussed with the agent ahead of time. It is recommended you book well ahead and do not wait until your arrival in Nepal. 

And finally, it is not too expensive. Actually the helicopter tour, which takes around 5 hours, is cheaper than doing the two weeks trek.  It will cost you, depending on the season, around USD 1,175. 

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Empowering Banking On-the-Go: How JavaScript Developers Revolutionize Mobile Banking Applications

Empowering Banking On-the-Go How JavaScript Developers Revolutionize Mobile Banking Applications

In today’s fast-paced world, where people are constantly on the move, mobile banking has emerged as a game-changer in the financial industry. With the convenience of managing finances at their fingertips, customers expect seamless and feature-rich mobile banking applications. Behind these cutting-edge apps lie the expertise of JavaScript developers, who play a pivotal role in transforming the way we bank on-the-go.

The Rise of Mobile Banking

Over the past decade, the adoption of mobile banking has skyrocketed, reshaping the banking landscape. Customers now prefer the flexibility of performing transactions, checking balances, and accessing financial services through their smartphones and tablets. According to a report by Statista, the number of mobile banking users is projected to reach 1.75 billion by the end of this year. This surge in demand has compelled banks to invest heavily in mobile app development, thereby propelling the need for skilled JavaScript developers.

Driving Innovation with JavaScript

JavaScript, as a versatile programming language, has revolutionized mobile banking applications by empowering developers to create dynamic, user-friendly, and secure platforms. Let’s explore the key areas where JavaScript developers make a significant impact:

1. Crafting Seamless User Experiences

At the heart of every successful mobile banking app lies an exceptional user experience (UX). JavaScript developers excel at building responsive and interactive interfaces, ensuring that customers can navigate through the app with ease. From smooth scrolling and animated transitions to intuitive navigation, JavaScript breathes life into the user interface, making the banking experience engaging and enjoyable.

2. Real-time Updates and Notifications

Staying informed about financial activities is crucial for customers. JavaScript enables developers to integrate real-time updates and push notifications into mobile banking apps. Whether it’s an account balance alert, transaction status update, or security notification, JavaScript facilitates instant communication, ensuring users are always up-to-date about their finances.

3. Security Reinforcements

Security is a top priority in mobile banking. JavaScript developers work tirelessly to implement robust security measures, safeguarding sensitive data and protecting against potential threats. With advancements in JavaScript libraries and frameworks, developers can build secure authentication systems, encrypted data transmissions, and fraud detection algorithms, bolstering the overall security of mobile banking applications.

4. Optimizing App Performance

Mobile banking apps must deliver a seamless experience, even under varying network conditions. JavaScript developers employ performance optimization techniques, such as code splitting, caching, and lazy loading, to enhance app speed and responsiveness. This optimization ensures that users can access their accounts and perform transactions quickly, irrespective of their device or network strength.

5. Personalization and Customization

Understanding individual customer preferences is vital for banks to offer personalized services. JavaScript developers leverage data analytics and user behavior insights to implement personalized features within the app. These may include tailored product recommendations, customized financial insights, and personalized banking offers, fostering stronger customer relationships.

Unique Insights: Balancing Security and Convenience

While JavaScript developers drive innovation in mobile banking, striking a balance between security and convenience remains a constant challenge. On one hand, customers demand seamless transactions and easy access to banking services. On the other hand, banks must ensure the utmost security to protect customer data from potential breaches.

JavaScript developers face this challenge head-on by implementing multifactor authentication, biometric logins, and encryption protocols to fortify app security. Simultaneously, they maintain a user-centric approach, streamlining the onboarding process, and providing intuitive navigation to ensure a hassle-free banking experience.

Hiring JavaScript Developers: The Key to Success

As the demand for feature-rich and secure mobile banking applications continues to rise, banks recognize the significance of hiring skilled JavaScript developers. Collaborating with experienced developers not only ensures the successful development of cutting-edge apps but also fosters innovation in the financial technology space.

To maintain competitiveness in the digital banking era, it is imperative for financial institutions to hire JavaScript developers with expertise in mobile app development. By assembling a proficient team, banks can continuously enhance their mobile banking offerings and stay ahead of the curve.

In conclusion, the symbiotic relationship between mobile banking and JavaScript developers has revolutionized the financial industry. As customers seek seamless on-the-go banking experiences, the expertise of JavaScript developers becomes indispensable in crafting feature-rich, secure, and user-centric mobile banking applications. By harnessing the full potential of JavaScript, banks empower customers to manage their finances with ease, convenience, and confidence in this ever-evolving digital landscape.

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5 Best Cryptocurrencies for Cheap and Fast Money Transfers

5 Best Cryptocurrencies for Cheap and Fast Money Transfers (1)

Cryptocurrencies have revolutionized the way we transfer money, offering a fast and efficient alternative to traditional banking systems. However, some popular cryptocurrencies like Bitcoin and Ethereum are known for their high transaction fees, which can be a significant deterrent for everyday users. Fortunately, there are several other cryptocurrencies that provide cheap and fast money transfer options. In this article, we will explore five popular coins that offer a fast and cheap way to transfer funds online.

Introduction to Cryptocurrencies and Money Transfers

Traditional banking systems can often pose challenges when it comes to sending money, especially across international borders. Delays, high fees, and cumbersome paperwork are common issues, making international transfers time-consuming and expensive.

In contrast, cryptocurrencies have emerged as an increasingly popular alternative for transferring funds. They offer the advantage of fast and borderless transactions without the need for intermediaries like banks. Transactions can be completed at any time, from anywhere in the world, often at a fraction of the cost and time required by traditional banking.

This decentralized and efficient approach has made cryptocurrencies an appealing solution for many looking to send money both domestically and internationally.

The Drawbacks of High Transaction Fees

While cryptocurrencies offer many benefits for money transfers, the high transaction fees associated with some popular coins can be a significant drawback. Bitcoin and Ethereum, in particular, have been criticized for their expensive transaction fees, which can reach upwards of $20 during periods of high network congestion. These high fees make it impractical to use these cryptocurrencies for everyday transactions and micropayments.

Additionally, during times of high demand and network congestion, transactions can become significantly slower. This slow processing time contradicts one of the main selling points of cryptocurrencies – their ability to facilitate quick and borderless transfers. Users may find themselves waiting for extended periods, sometimes even hours, for their transactions to be confirmed. This delay can be frustrating and inconvenient, particularly for those using cryptocurrencies for time-sensitive transactions.

5 Best Cryptocurrencies for Money Transfer

High transaction fees and slow processing time of popular blockchains have led to the emergence of altcoins designed for cheap and fast money transfers. Below, we will explore five popular coins that offer a fast and cheap way to transfer funds online, catering to users who are looking for efficient ways to send value without incurring high costs.

Please note that the transaction fees mentioned here are based on data from July 2023, however, these coins have historically been leaders in terms of low transaction costs.

1. Solana (SOL)

Solana is a highly scalable platform for smart contracts that has gained significant attention in the cryptocurrency space. It uses a unique architecture, including a Proof-of-History algorithm and a Proof-of-Stake consensus mechanism, to process thousands of transactions per second while keeping costs extremely low.

Transactions on the Solana network cost approximately $0.00025, making it one of the cheapest cryptocurrencies for money transfers. Whether you’re sending SOL, custom SPL tokens, or NFTs, you can do so at virtually no cost.

Overall, it is a highly scalable platform that offers one of the lowest transaction fees among popular cryptocurrencies. With its impressive ecosystem and promise for the long term, Solana is definitely a blockchain worth considering for cheap and fast money transfers.

2. Ripple (XRP)

XRP is one of the most established cryptocurrencies on the market, offering efficient and low-cost money transfer capabilities. Unlike Bitcoin, XRP does not rely on Proof-of-Work mining. Instead, it utilizes the unique XRP Ledger Consensus Protocol, which allows for quick transaction processing and extremely low fees.

XRP transaction fees are typically less than $0.001. Given the wide choice of platforms offering to buy XRP instantly, it is an attractive medium to use for simple money transfers. It is also commonly used for moving funds between different cryptocurrency exchanges due to its efficiency.

However, it’s important to note that XRP has faced some criticism for its alleged lack of decentralization, as a significant portion of the supply is held by Ripple, a United States-based fintech company.

3. Stellar (XLM)

Stellar is a cryptocurrency that originated as a fork of XRP, with similar consensus algorithms that enable low-cost and fast transactions. Stellar’s native asset, lumens (XLM), implements a consensus algorithm that allows for transaction fees as low as 0.00001 XLM. This means that 1 XLM can theoretically pay for 100,000 transactions.

Unlike most other coins on this list, Stellar was originally intended as a borderless alternative to traditional bank transfers. And it is easy to see why – you can buy XLM with a credit card, send it anywhere in the world and convert it back to a Fiat currency significantly faster and cheaper than using a bank.

4. Dogecoin (DOGE)

Dogecoin, initially introduced as a meme coin, has gained widespread popularity for its low transaction fees and fast transaction speeds. It is technically a fork of Litecoin, utilizing a decentralized peer-to-peer digital currency system secured through Proof-of-Work mining.

Sending DOGE typically costs around $0.08 in fees, making it one of the cheapest cryptocurrencies for money transfers. However, the efficiency of the Dogecoin network can vary depending on the level of network activity. During periods of low network congestion, Dogecoin offers some of the lowest transaction fees in the market.

5. TRON (TRX)

TRON is a smart contracts platform similar to Ethereum, featuring a Delegated Proof-of-Stake (DPoS) consensus mechanism. This allows TRON to process transactions with very low costs, making it a popular choice for stablecoin transactions, particularly with USDT.

Transaction fees on the TRON network are almost negligible compared to Ethereum, providing an affordable option for users looking to engage in decentralized finance (DeFi) and other on-chain activities without incurring high transaction fees.

Conclusion

Bitcoin and Ethereum, while known far beyond the crypto space, may not always be the best choices for everyday money transfers due to high transaction fees and potential delays. However, the world of cryptocurrencies offers a rich variety of alternatives.

Solana, XRP, Stellar, Dogecoin, and TRON are just a few examples that have been tailored for efficient and affordable money transfers. These options, along with others waiting to be explored, allow users to enjoy the benefits of fast and cost-effective transactions.

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Roadmap to Savings: How to Secure the Best Deal When Buying a Car

Roadmap to Savings

Purchasing a car is often seen as an exhilarating process. But, with so many variables to consider, it can be daunting for even the most seasoned shoppers. That’s why this comprehensive guide was crafted to lead you through the labyrinth of auto purchasing, ensuring you secure the best possible deal, whether you’re eyeing the Volkswagen ID 7 or considering a Kia.

Establish Your Budget

The first step in any car-buying process should always be establishing a firm budget. This includes determining the maximum amount you’re comfortable spending on a vehicle, considering not only the purchase price but also insurance, maintenance, and fuel costs. It’s always prudent to make sure your total monthly car expenses don’t exceed 20% of your take-home pay.

Understand Your Needs and Wants

Once you have a clear budget, understand what you need from a vehicle. Are you looking for an eco-friendly option like the electric Volkswagen ID 7, or do you require something more rugged, such as an SUV, for outdoor adventures? Are advanced safety features a must, or are in-car entertainment systems more your style? Prioritizing your needs and wants will make the shopping process much simpler and more effective.

Do Your Homework

Doing extensive research before stepping into a dealership can save you time, money, and a lot of stress. Look at customer reviews and expert opinions about the cars you’re considering. Learn about the pros and cons of each model. It’s also beneficial to explore price ranges, resale values, and average maintenance costs for different models. Websites like Kelley Blue Book and Edmunds can provide you with valuable information.

Shop Around

Never limit yourself to just one dealership. Take time to shop around and compare prices. You may find that one dealer offers a better deal for the Volkswagen ID 7 you’ve been eyeing, or another dealer has a special promotion for a Kia model you’re considering. It may seem tedious, but this step can potentially save you thousands of dollars.

Negotiate With Confidence

Negotiation is the pivotal point in securing a great deal. While many buyers find this step intimidating, being prepared can make the process smoother and more effective. Keep in mind that dealerships need your business, and they will often be willing to negotiate to close a sale. Approach this step with a positive attitude and a firm stand on your budget and requirements.

Evaluate Financing Options

Understanding your financing options is crucial. Most car purchases are financed, so it’s important to secure the best possible terms. Check your credit score beforehand and seek pre-approval for a loan from your bank or credit union. Dealership financing may also be an option but shop around to ensure you’re getting the best interest rate.

Test Drive

It’s a must to take your prospective car for a test drive. Regardless of whether you are considering a luxury model or an economy car like Kia, this will give you a sense of how the car handles, the comfort level, and if the vehicle meets your needs and wants. It’s the best opportunity to assess whether the car is the right fit for you.

Pre-purchase Inspection

If you’re purchasing a used vehicle, a pre-purchase inspection by a trusted mechanic is recommended. This inspection can reveal hidden issues that may not be obvious during a test drive, providing you with a more informed understanding of the vehicle’s condition.

Explore Trade-in Options

If you’re currently a car owner, trading in your old vehicle can be an excellent way to reduce the purchase price of your new car. Dealerships usually offer a trade-in service, making it easy for you to sell your old car and buy a new one in the same place. Before you do this, however, make sure you understand the actual value of your old car. You can use online tools like Kelley Blue Book to get an estimate. If the dealer’s offer seems low, don’t hesitate to negotiate or explore selling the car privately instead.

Consider the Long-term Value

Last but not least, remember that the best deal isn’t just about the lowest upfront price. You should also consider the long-term value of the vehicle. Some cars, like the Volkswagen ID 7 or certain Kia models, might have a slightly higher initial cost but offer excellent fuel efficiency or lower maintenance costs, which can save you money in the long run. Likewise, a car with a strong resale value can be a smarter investment than a car that’s cheaper to buy but depreciates quickly. So, don’t just focus on the sticker price—consider the total cost of ownership, and you’ll be more likely to make a decision that’s financially sound in the long term.

Review the Contract Carefully

Once you’ve decided on a car, ensure you carefully review the sales contract. Make sure all agreed terms, including the price, warranty details, and any special agreements, are correctly noted. Also, be cautious of add-ons like extended warranties or paint protection. These can significantly inflate the cost and may not provide the value they seem to promise.

In conclusion, buying a car, be it a Volkswagen ID 7 or a Kia, doesn’t have to be a daunting process. By taking these steps, you’ll be better prepared to navigate the car purchasing journey and secure the best possible deal. Remember, the key is always to be prepared, be patient, and be ready to walk away if the deal isn’t right. With this roadmap to savings, you’re now ready to embark on your car-buying adventure! Happy shopping.

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Foreign Investment Control in France – A Practical Guide for Investors

foreign investor

By Olivia Lê Horovitz

1. What is the control of foreign investments in France?

Foreign investment control is a system of prior authorization of certain investments strictly defined by law, implemented by the Ministry of the Economy. This mechanism has been in force in France since 1966. To carry out this control, the Ministry of the Economy, to which the Secretary of the General Directorate of the Treasury (“DGT“) reports, is responsible for examining certain investment transactions involving French entities to determine whether such transactions could be detrimental to public security, public order or the national defense interests of France.

2. Which foreign investments are subject to the control of the Ministry of Economy?

In France, the principle is that foreign investments are free. Only in exceptional cases are certain operations subject to prior authorization by the Ministry of the Economy. In 2021, 328 applications were examined by the DGT. Thus, the Ministry in charge of the economy will only proceed with an audit if three cumulative criteria are met:

  • The presence of a foreign investor;
  • An investment operation as defined in article R 151-2 of the
    Monetary and Financial Code;
  • Intervening in a sensitive sector.

The definition of a foreign investor is broad. It includes individuals of foreign nationality or tax residence, as well as entities incorporated under foreign law, but also entities incorporated under French law that are controlled by one or more of the above-mentioned persons or entities.

The concept of an investment transaction varies according to the origin of the investor. Regardless of the nationality of the foreign investor, acquisitions of control or of all or part of a branch of activity of an entity governed by French law are subject to authorization. In addition, for investors from outside the European Union, prior authorization is also required to cross the threshold of 25% of the voting rights in a French-law entity. A temporary measure lowering the threshold for holding voting rights (10%) in listed French companies triggering foreign investment control1 has been extended until December 31, 20232.

Finally, and this is the most delicate criterion to handle, the operation must take place in a sensitive sector. These are activities set out by regulation, which fall within the sectors of defense and security, the press, energy or critical technologies.

3. Are intra-group transactions subject to foreign investment control?

When the investment is made between companies all belonging to the same group (i.e., held more than 50% of the capital or voting rights, directly or indirectly by the same shareholder), the authorization is deemed to have been granted.3

Similarly, there is no ne ed to file an application for authorization when the foreign Investor crosses the 25% threshold of an entity over which it has previously acquired control following the issuance of an authorization, or when the foreign investor acquires control of a company and has already received authorization in connection with the previous crossing of the 25% threshold of the capital or voting rights

There are two exceptions to these exemptions: where the investment results in the violation of a condition that had been accepted by the investor in a previous authorization procedure, or where the purpose of the investment is to transfer abroad all or part of a branch of a sensitive activity.4

4. What are the “sensitive” sectors of activity, requiring investment control?

Sensitive sectors are sectors affecting national defense interests or likely to affect public order, public safety and activities essential to guaranteeing the country’s interests.

A decree of the Council of State (“Conseil d’Etat”) sets the restrictive list of sectors and activities presenting such challenges. The list of these sectors was supplemented in 2014 to cover, in particular, critical infrastructure operation activities (“Montebourg” extension), by the decree of November 28, 2018, which came into force on January 1, 2019, to cover future technologies, aerospace, hosting of certain data, and by the decree of December 31, 2019, which came into force on April 1, 2020, which includes new sectors, in particular to take into account developments in the European regulation of March 19, 2019 establishing a framework for the screening of foreign direct investment in the Union, such as print media and online press services for political and general information, food safety, energy storage and critical technologies.

An order dated September 10, 2021 (the Order) has made a number of changes to the current regulations relating to the control of foreign investments, applicable since January 1, 2022. The Order extends the definition of critical technologies mentioned in 1° of III of Article R. 151-3 of the Monetary and Financial Code to include cybersecurity, artificial intelligence, robotics, additive manufacturing, semiconductors, quantum technologies, energy storage, biotechnologies and technologies involved in the production of renewable energy (solar, wind, hydraulic, biomass or geothermal energy), taking into account current developments and challenges in this sector. Henceforth, foreign investments in research and development activities involving such technologies will be subject to the prior control procedure.

Article R. 151-3 of the Monetary and Financial Code identifies the sectors of activity in which foreign investments are subject to prior authorization. There are three types: activities that are sensitive in nature (R 151-3, I), activities involving infrastructure, goods or services that are essential to guarantee public security and public order (R 151-3, II), and research and development activities involving critical technologies and dual-use goods and technologies intended for implementation in one of the other activities mentioned above (R 151-3, III).

Activities that are sensitive by nature are those that are likely to affect the interests of national defense, participate in the exercise of public authority, or are likely to affect public order and public safety. Without claiming to provide an exhaustive list, we can mention:

  • activities related to weapons, ammunition, powders and explosive substances for military purposes;
  • activities related to dual-use goods and technologies;
  • cryptology or communication interception activities;
  • or activities related to the illicit use of pathogens or toxic agents.

With regard to the second category of sensitive sectors: activities involving infrastructure, goods or services that are essential to guarantee public security and public order, the focus is on identifying these infrastructures, goods and services. These include infrastructure, goods or services that are essential to the continuity of water and energy supplies, to the operation of communication and transport networks and services (as well as space operations), to the protection of public health or food safety, or to the dissemination of information.

Finally, the last category, added in 2019, concerns research and development activities on dual-use goods (listed in Annex I of the Council Regulation (EC) of May 5, 2009), as well as critical technologies (cybersecurity, artificial intelligence, robotics, additive manufacturing, semiconductors, quantum technologies, energy storage and biotechnologies and technologies involved in the production of renewable energy).5

5. What to do when in doubt about the “sensitivity” of the activity?

The definition of sensitive sectors in the Monetary and Financial Code is broad and relatively unclear. As a result, foreign investors often have doubts about the eligibility of their operations for the foreign investment control process.

In order to remedy this and to allow the parties to secure the planned transaction, article R. 151-4 of the Monetary and Financial Code provides for a prior application procedure. This allows the investor or the target to obtain a ruling from the administration as to whether the activity of the French entity falls within the scope of foreign investment control.

In order to initiate this procedure of prior request for examination, it is sufficient to submit a simplified file to the DGT. However, the deadline for a response from the French administration is two calendar months, which is still significant in terms of the timetable for the transaction, and this opinion does not dispense with the need for an application for authorization, if necessary. This is why, in practice, most investors file complete applications for authorization in order to avoid delays

6. How does the examination of a request for authorization proceed?

The application for authorization, containing all the information required under Articles L.151-3 and R.151- 1 et seq. of the Monetary and Financial Code, as well as the European notification form for the transaction, must be sent to the DGT, which is responsible for examining it on behalf of the Minister of the Economy. To do this, it relies on the Interministerial Committee on Foreign Investment in France (CIIEF). This Committee brings together administrative officials and institutions with expertise in the sectors subject to control. When specific expertise is required, other French government departments may be mobilized.6

The Minister has 30 working days from the date of receipt of a complete application to give his opinion. The period is suspended due to any request for additional information. At the end of this period, he must then indicate to the investor either that:

  1. the investment is not subject to foreign investment control,
  2. it is authorized without condition,
  3. it falls within the scope of the law, but that further examination is necessary to determine whether the preservation of national interests can be guaranteed by attaching conditions to the authorization. 7

If there is no response within this timeframe, the request is deemed to be rejected, contrary to the former regulation. It is therefore important to obtain a response before the end of this period.

If, at the end of this first phase of appraisal, the Minister has concluded that further examination is necessary, he must notify the investor of the opening of a second phase of appraisal lasting a maximum of 45 working days. At the end of this second phase, the Minister may authorize the transaction with or without conditions or refuse the transaction. In the absence of a response within this 45-day period, the application is deemed to be rejected.

The purpose of these instruction phases is to allow the DGT to analyze the impact of the investment operation on public security, public order, and national defense interests. To this end, and during these two instruction phases, the Minister may communicate with the investor and the target to obtain any document or information necessary for the execution of his mission, without being able to oppose legally protected secrets.8

As a result of the above, the maximum statutory period for obtaining a decision from the Minister is 75 working days.9

The control procedure is protected by strict confidentiality rules. The transmission of documents within the framework of the investigation can only be communicated to the agents of the administration in charge of investigating the files. The decision is not made public.

7. What are the consequences of the Minister’s decision?

Whatever the Minister’s decision, it can be appealed before the Administrative Court of Paris within 2 months.

If the Minister has authorized the transaction, with or without conditions, the investor must make a declaration within two months of the completion of its investment, in accordance with Article 3 of the Decree of December 31, 2019 on foreign investments in France. Such a declaration is not required when the Minister has concluded that the investment does not fall within the scope of foreign investment control.

However, all FDI transactions must be reported to the Banque de France within 20 working days from the date of actual completion, provided that the transaction is worth more than EUR 15 million. If the transaction has been authorized with conditions, compliance with these conditions will be monitored by the competent ministerial departments throughout the period of their application.

8. What are the sanctions when an operation falling within the scope of the control is carried out without authorization?

The penalty for failure to obtain authorization is severe: any commitment, agreement or contractual clause that directly or indirectly makes an investment subject to the control of the Minister of the Economy without the required authorization having first been obtained is null and void.10 In addition, the Minister of Economy may also order the investor to:

  • to file an application for a regularization permit;
  • to restore the previous situation at its own expense, and/or;
  • to modify the investment.11

These injunctions may be accompanied by a penalty payment and/or protective measures (suspension of voting rights attached to the investor’s shares, prohibition on the distribution of dividends, suspension of the free disposal of assets, appointment of a trustee to ensure the protection of national interests, etc.), in order to prevent risks of harm to public order, public security or national defense. 12

These decisions or injunctions can only be made after the investor has been given formal notice, except in urgent or exceptional circumstances.13

The Minister of the Economy may also impose a fine in proportion to the seriousness of the breach, which may not exceed the highest of the following amounts:

  • double the amount of the irregular investment;
  • 10% of the amount of the annual turnover (excluding tax) of the target company of the irregular
    investment;
  • 1 million euros for individuals;
  • 5 million for legal entities.14

These financial penalties are also applicable in the event of fraudulent obtaining of authorization, or failure to comply with injunctions issued by the Minister of the Economy.15

Finally, the making of a foreign investment without prior authorization is subject to criminal sanctions. Thus, the investor is liable to five years’ imprisonment, confiscation of the property and assets resulting from the offence, a fine equal to at least the amount and at most twice the amount of the offence, as well as a ban on carrying out a commercial activity or a public function.16

9. What happens when the conditions of the authorization are not respected?

If the investor has not complied with one or more conditions attached to the authorization of the Minister in charge of the Economy, the Minister shall take one or more of the following measures

  • He may withdraw the authorization issued;
  • require the investor to comply with initial conditions within a specified period; and/or
  • impose compliance with newly established conditions.

10. What are the European regulations on screening foreign investments?

Given the proximity and degree of interconnectedness between different European Union (“EU”) member states, making a foreign investment within one member state has the potential to pose a risk to the security or public order of one or more other member states. To limit this risk, Regulation 2019/453 establishing a framework for screening foreign direct investment (“FDI”) in the EU was adopted in March 2019, and entered into force on October 11, 2020. This regulation does not create a mechanism for screening FDI at the EU level, but it establishes a framework for the screening by member states of FDI occurring on their territory, as well as a mechanism for cooperation between those member states and the European Commission regarding FDI that may undermine security or public order.

Within the framework of this cooperation mechanism, Member States must notify the European Commission and other Member States of any investment subject to screening on their territory and transmit to them certain information (identity of the parties, sectors of operation, amount of the operation, location of the operation, etc.) by secure means. In practice, this translates into the communication of a form entitled “Request for information from the investor” which must be annexed to the request for authorization of the operation addressed to the Minister of the Economy. The Member States and the Commission study this information and may request additional information and issue comments or opinions on the proposed transaction. The DGT is not bound by these opinions but must “duly take them into account” by considering the measures available in its national law. In the case of investments considered to affect projects or programs of interest to the EU (listed in an annex to the Regulation), the member state hosting the planned investment must take “the utmost account” of the Commission’s opinions and justify any non-compliant decision.

The cooperation mechanism may also be implemented at the initiative of another Member State or the European Commission, even when an FDI project planned or carried out in France is not subject to the control of the Minister of the Economy, if the project is likely to affect the security or public order of more than one Member State, or projects or programs of interest to the Union, and this within 15 months of the completion of the investment. The regulation provides an indicative list of factors to be taken into account in identifying investments likely to affect security or public order. It includes consideration of the effects of the investment on critical infrastructure, critical technologies, energy and raw material supplies, access to or control of sensitive information, or the freedom and pluralism of the media. Member States and the Commission may also consider whether the investor is controlled by the government of a third country, has a history of involvement in activities that undermine security or public order, or whether there are serious risks that the investor may engage in criminal or illegal activities.

Investors can rest assured that the exchanges that take place under this cooperation mechanism are strictly confidential. This mechanism is the only one through which France exchanges information on foreign investments on its territory.

However, the differences in regulations between Member States are significant and the lack of uniformity of law between Member States can make the process cumbersome as a multi-jurisdictional operation may result in different regulations being applied.

In addition, in some areas and depending on the circumstances, it may be difficult for parties to determine whether or not to file a permit application. In many cases, as a matter of prudence and in view of the potential sanctions, it may seem more reasonable to file a clearance application. It is therefore important to anticipate in the timing of an investment transaction the time frame for obtaining a response, which may vary considerably from one jurisdiction to another, and the potential consequences of a refusal or a conditional approval.

As such, understanding these regulations, while recognizing the discretionary power of the State, has become essential in the upstream preparation of an M&A or investment transaction in order to understand the timeframes, the risks and to consider possible remedies.

Attorney Disclaimer

This summary is provided for informational purposes only and is not intended to constitute legal advice nor does it create an attorney-client relationship with Rimon, P.C. or its affiliates. Prior results referred to in these materials do not guarantee or suggest a similar result in other matters.

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About the Author

OliviaOlivia Lê Horovitz is a founding Partner of Rimôn’s Paris Office. She represents clients during FDI clearance of transactions in France. Her practice is primarily focused on cross-border mergers and acquisitions as well as private equity transactions. She represents clients in a variety of complex multijurisdictional acquisition transactions, including acquisition or sale of businesses, distressed companies, restructurings, divestitures, spin offs, recapitalizations, joint ventures and complex commercial contracts. Ms. Lê Horovitz regularly advises foreign companies wishing to invest in Europe in the context of private or public acquisitions as well as French companies looking to expand internationally.

References

  1. Decree 2021-1758 of 22-12-2021
  2. 12/22/2022 – Extension to 2023 of the temporary lowering of the threshold triggering IEF control in French
    companies listed on a regulated market – Press – Ministère des Finances (economie.gouv.fr)
  3. R. 151-7,I CMF
  4. R. 151-7,II CMF
  5. Order of December 31, 2019, relating to foreign investment in France, Article 6.
  6. 47b9b032-3d2b-4779-8327-15d3400045ab (economie.gouv.fr)
  7. Article R151-6 CMF
  8. Article L151-5 CMF
  9. Article R. 151-6 CMF
  10. Article L 151-4 CMF
  11. Article L151-3-1, I
  12. Article L151-3-1, I
  13. Article L151-3-1, III
  14. Article L151-3-2
  15. Id.
  16. Article L. 165-1 CMF; Article 459, I Code des Douanes,

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