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Keep your business compliant with state and federal business laws. Your legal responsibilities will depend on your business and location. Beginning on January 1, 2024, many companies in the United States will have to report information about their beneficial owners, i.e., the individuals who ...

Stay legally compliant | U.S. Small Business Administration

What is compliance and how does an organisation set up compliance management? Our guide answers these questions.

What is Compliance? Definition, basics & tips to get started

Tools available to check your organisation adheres to the EU’s data protection law.

How can I demonstrate that my organisation is compliant with the GDPR?

Established in 2014, the IAB Technology Laboratory (Tech Lab) is a non-profit consortium that engages a member community globally to develop foundational technology and standards that enable growth and trust in the digital media ecosystem. Comprised of digital publishers, ad technology firms, ...

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Following a set of rules, known as compliance, is part of doing business whether you’re an executive, manager, sales representative, or a business owner. Generally, ...

What does compliance mean in business? - Reciprocity

Compliance is a prevalent business ... require companies to be vigilant about maintaining a full understanding of their regulatory requirements for compliance. To adhere to compliance standards, an organization must follow requirements or regulations imposed by either itself or government legislation. Some prominent regulations, standards and legislation that organizations may need to be compliant with include ...

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This also speaks of the different responsibilities of a company. Compliant businesses are aware that they are responsible both to their employees and clients. To be non-compliant can result in serious consequences.

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Learn why corporate compliance is crucial for your organization&#x27;s future. PowerDMS provides valuable knowledge on the impact and benefits of compliance.

What is Corporate Compliance and Why is it Important?

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The crypto market has left its wild wild west days behind, and it is in the process of embracing regulations. This means that the existing blockchain and crypto infrastructure will either have to revamp itself to meet compliance requirements or retire from the market. E-Money Network is one of the world’s first blockchains to comply with the European Union’s (EU) MiCA regulations and this is a big win for Web3. What Is MiCA? Market in Crypto Assets (MiCA) is a framework that came into force in June 2023 to regulate the crypto market across Europe. The legislation delineates the rules for the issuance and transactions of crypto-assets and stablecoins. It also lays down regulatory requirements for crypto-asset service providers (CASPs). The emergence of MiCA makes one thing clear - that crypto-assets are here to stay. MiCA classifies crypto-assets into 3 distinct categories, namely asset-reference tokens (ARTs), electronic money tokens (EMTs)/e-money tokens, and other crypto-assets. ARTs encompass crypto assets that maintain a stable value by referencing other assets such as fiat currencies, securities, commodities, physical assets like gold, and even other crypto assets. EMTs are also fiat-backed tokens stored on the blockchain. However, unlike ARTs which can be pegged to multiple currencies and assets, EMTs have 1:1 backing with fiat currency. The third category of crypto assets includes all other crypto assets that cannot be categorized as ARTs or EMTs. For example, blockchain-based utility tokens for accessing goods and services provided by the issuer of the token. MiCA’s classification of crypto-assets has profound implications for the crypto industry, particularly for stablecoin issuers and crypto asset service providers (CASPs). The $150 billion stablecoin market faces stringent regulatory scrutiny, marking a significant shift towards transparency and accountability. MiCA regulations are aimed at protecting the interests of its legitimate stakeholders and preventing the misuse of crypto-assets for illicit activities like conducting scams, funding terrorism, and money laundering. However, there are concerns regarding MiCA stifling growth and innovation in the industry. Businesses that are keen on operating within the EU will have to expend significant resources on meeting compliance requirements. This will prove to be exclusionary for small bootstrapped projects. E Money Network’s Solution for MiCA Regulations E Money Network is an L1 modular blockchain designed to foster an ecosystem for the tokenization of Real-World Assets (RWAs). The difference between E Money Network and other RWA blockchains is that E Money’s revolutionary potential is not just hypothetical. Regulatory compliance is built into the E Money Network, which gives its products an edge over other similar products. E Money Network's approach seamlessly aligns with upcoming regulations like MiCA (Markets in Crypto Assets) in Europe, establishing it as an early adopter in crypto regulatory compliance. The platform distinguishes itself through four foundational proofs: Proof of Identity: Providing secure on-chain identity verification. Proof of Compliance: Incorporating on-chain Know Your Transaction (KYT) and Anti-Money Laundering (AML) modules. Proof of Ownership: Ensuring transparency via on-chain mechanisms. Proof of Custody: Offering on-chain custody solutions to safeguard assets. A key advantage of E Money Network lies in its capability to facilitate the issuance and distribution of E-money tokens, backed by fiat currency while ensuring MiCA compliance. E-money tokens, backed 1:1 with fiat currency, enable expeditious transactions on a regulated blockchain. Owing to this capability, E Money Network is poised to capture a sizable market share of the current stablecoin market in Europe. Thus, E Money Network’s MiCA compliance positions it to become the foundational network for all innovation in crypto spaces, particularly with RWAs. E Money Network’s Testnet is Live The E Money Network’s testnet went live recently. This allows users to have a first-hand experience of how the platform will function upon the launch of the Mainnet. The network recorded an impressive up to 1000 transactions per second (tps) during internal testing. E Money Network has launched a rewards program in which users can complete social and on-chain quests. Developers also have the opportunity to win grants for building and deploying their applications on the testnet. More about the testnet, quest program, and grant program can be found here. About E Money Network E Money Network is the regulated Modular RWA blockchain powered by Scallop. Scallop is now streamlining its focus and mission towards leveraging blockchain technology and has launched E Money Network as its primary product. E Money serves as an L1 blockchain designed for seamless interoperability between DeFi 2.0 and RWA tokenization, effectively establishing a network to bridge the liquidity divide between Web 2.0 and Web 3.0. The crypto market has left its wild wild west days behind, and it is in the process of embracing regulations. This means that the existing blockchain and crypto infrastructure will either have to revamp itself to meet compliance requirements or retire from the market. E-Money Network is one of the world’s first blockchains to comply with the European Union’s (EU) MiCA regulations and this is a big win for Web3. The crypto market has left its wild wild west days behind, and it is in the process of embracing regulations. This means that the existing blockchain and crypto infrastructure will either have to revamp itself to meet compliance requirements or retire from the market. E-Money Network is one of the world’s first blockchains to comply with the European Union’s (EU) MiCA regulations and this is a big win for Web3. What Is MiCA? Market in Crypto Assets (MiCA) is a framework that came into force in June 2023 to regulate the crypto market across Europe. The legislation delineates the rules for the issuance and transactions of crypto-assets and stablecoins. It also lays down regulatory requirements for crypto-asset service providers (CASPs). The emergence of MiCA makes one thing clear - that crypto-assets are here to stay. Market in Crypto Assets Market in Crypto Assets MiCA classifies crypto-assets into 3 distinct categories, namely asset-reference tokens (ARTs), electronic money tokens (EMTs)/e-money tokens, and other crypto-assets. ARTs encompass crypto assets that maintain a stable value by referencing other assets such as fiat currencies, securities, commodities, physical assets like gold, and even other crypto assets. EMTs are also fiat-backed tokens stored on the blockchain. However, unlike ARTs which can be pegged to multiple currencies and assets, EMTs have 1:1 backing with fiat currency. The third category of crypto assets includes all other crypto assets that cannot be categorized as ARTs or EMTs. For example, blockchain-based utility tokens for accessing goods and services provided by the issuer of the token. MiCA’s classification of crypto-assets has profound implications for the crypto industry, particularly for stablecoin issuers and crypto asset service providers (CASPs). The $150 billion stablecoin market faces stringent regulatory scrutiny, marking a significant shift towards transparency and accountability. $150 billion stablecoin $150 billion stablecoin MiCA regulations are aimed at protecting the interests of its legitimate stakeholders and preventing the misuse of crypto-assets for illicit activities like conducting scams, funding terrorism, and money laundering. However, there are concerns regarding MiCA stifling growth and innovation in the industry . Businesses that are keen on operating within the EU will have to expend significant resources on meeting compliance requirements. This will prove to be exclusionary for small bootstrapped projects. stifling growth and innovation in the industry stifling growth and innovation in the industry E Money Network’s Solution for MiCA Regulations E Money Network is an L1 modular blockchain designed to foster an ecosystem for the tokenization of Real-World Assets (RWAs). E Money Network E Money Network The difference between E Money Network and other RWA blockchains is that E Money’s revolutionary potential is not just hypothetical. Regulatory compliance is built into the E Money Network, which gives its products an edge over other similar products. E Money Network's approach seamlessly aligns with upcoming regulations like MiCA (Markets in Crypto Assets) in Europe, establishing it as an early adopter in crypto regulatory compliance. The platform distinguishes itself through four foundational proofs: Proof of Identity: Providing secure on-chain identity verification. Proof of Identity: Providing secure on-chain identity verification. Proof of Compliance: Incorporating on-chain Know Your Transaction (KYT) and Anti-Money Laundering (AML) modules. Proof of Compliance: Incorporating on-chain Know Your Transaction (KYT) and Anti-Money Laundering (AML) modules. Proof of Ownership: Ensuring transparency via on-chain mechanisms. Proof of Ownership: Ensuring transparency via on-chain mechanisms. Proof of Custody: Offering on-chain custody solutions to safeguard assets. Proof of Custody: Offering on-chain custody solutions to safeguard assets. A key advantage of E Money Network lies in its capability to facilitate the issuance and distribution of E-money tokens, backed by fiat currency while ensuring MiCA compliance. E-money tokens, backed 1:1 with fiat currency, enable expeditious transactions on a regulated blockchain. Owing to this capability, E Money Network is poised to capture a sizable market share of the current stablecoin market in Europe. Thus, E Money Network’s MiCA compliance positions it to become the foundational network for all innovation in crypto spaces, particularly with RWAs. E Money Network’s Testnet is Live The E Money Network’s testnet went live recently. This allows users to have a first-hand experience of how the platform will function upon the launch of the Mainnet. The network recorded an impressive up to 1000 transactions per second (tps) during internal testing. E Money Network has launched a rewards program in which users can complete social and on-chain quests. Developers also have the opportunity to win grants for building and deploying their applications on the testnet. More about the testnet, quest program, and grant program can be found here . rewards program rewards program here here About E Money Network E Money Network is the regulated Modular RWA blockchain powered by Scallop. Scallop is now streamlining its focus and mission towards leveraging blockchain technology and has launched E Money Network as its primary product. E Money serves as an L1 blockchain designed for seamless interoperability between DeFi 2.0 and RWA tokenization, effectively establishing a network to bridge the liquidity divide between Web 2.0 and Web 3.0.

E Money Network Is a MiCA-Compliant Blockchain: Here’s Why It’s a Big Deal

ই মানি নেটওয়ার্ক হল একটি এমআইসিএ-কমপ্লায়েন্ট ব্লকচেইন: এখানে কেন এটি একটি বড় চুক্তি

E Money Network ist eine MiCA-kompatible Blockchain: Darum ist das eine große Sache

E Money Network es una cadena de bloques compatible con MiCA: he aquí por qué es tan importante

E Money Network est une blockchain conforme à MiCA : voici pourquoi c'est une grosse affaire

ई मनी नेटवर्क एक MiCA-अनुरूप ब्लॉकचेन है: जानिए क्यों यह एक बड़ी बात है

E Money Network は MiCA 準拠のブロックチェーンです。これが重要な理由です。

E Money Network는 MiCA 호환 블록체인입니다. 이것이 중요한 이유는 다음과 같습니다.

E Money Network é um blockchain compatível com MiCA: é por isso que é um grande negócio

Сеть электронных денег — это блокчейн, соответствующий требованиям MiCA: вот почему это так важно

E Money Network, MiCA Uyumlu Bir Blockchaindir: İşte Neden Önemli?

Mạng E Money là một Blockchain tuân thủ MiCA: Đây là lý do tại sao nó lại là một vấn đề lớn

E Money Network 是符合 MiCA 标准的区块链：这就是为什么它如此重要

In a significant development for the decentralized finance (DeFi) space, , a leading quantitative hedge fund, has launched a suite of regulatory-compliant Structured Investment Products (SIPs) designed to provide investors with secure and innovative opportunities to participate in the DeFi ecosystem. NAV As a registered entity in the British Virgin Islands (BVI), NAV operates within a robust regulatory framework, adhering to stringent standards of transparency, accountability, and investor protection. This regulatory compliance sets NAV apart from many other players in the DeFi space, offering investors a level of security and trust that is often lacking in the decentralized finance world. One of NAV's flagship offerings is the Eigen Layer SIP, a product that leverages multiple liquid staking derivatives and concentrated liquidity pairing to optimize yield potential. By combining cutting-edge quantitative strategies with a deep understanding of the DeFi landscape, the Eigen Layer SIP seeks to deliver superior returns while effectively managing risk. Another notable product in NAV's lineup is the Funding Arbitrage SIP, which capitalizes on funding rate discrepancies across various DeFi platforms. By employing advanced algorithms to identify and exploit these discrepancies, the Funding Arbitrage SIP generates attractive returns for investors while maintaining a market-neutral position. "At NAV, we believe that the future of DeFi lies in the convergence of regulatory compliance and innovative investment strategies," said Digits Capital, founder and CEO of NAV. "Our Structured Investment Products are designed to provide investors with the best of both worlds – the opportunity to capitalize on the growth of the DeFi ecosystem while benefiting from the security and transparency that comes with regulatory oversight." With a team of seasoned professionals from both traditional finance and blockchain technology, is well-positioned to lead the charge in shaping the future of compliant DeFi investing. As the platform continues to expand its suite of SIPs and navigate the evolving regulatory landscape, NAV is poised to become the go-to destination for investors seeking secure and innovative opportunities in the DeFi space. NAV This story was distributed under HackerNoon’s Business Blogging Program. Learn more about the program here: https://business.hackernoon.com/

NAV Revolutionizes DeFi Investing with Regulatory-Compliant Structured Investment Products

এনএভি রেগুলেটরি-কমপ্লায়েন্ট স্ট্রাকচার্ড ইনভেস্টমেন্ট প্রোডাক্টের সাথে ডিফাই বিনিয়োগে বিপ্লব ঘটায়

NAV revolutioniert DeFi-Investitionen mit aufsichtsrechtlich konformen strukturierten Anlageprodukten

NAV revoluciona la inversión DeFi con productos de inversión estructurados que cumplen con las normativas

NAV révolutionne l'investissement DeFi avec des produits d'investissement structurés conformes à la réglementation

NAV नियामक-अनुपालक संरचित निवेश उत्पादों के साथ DeFi निवेश में क्रांति ला देता है

NAV、規制に準拠したストラクチャード投資商品で DeFi 投資に革命を起こす

NAV는 규제를 준수하는 구조화 투자 상품으로 DeFi 투자에 혁명을 일으켰습니다.

NAV revoluciona o investimento em DeFi com produtos de investimento estruturados em conformidade com as regulamentações

NAV совершает революцию в инвестировании в DeFi с помощью структурированных инвестиционных продуктов, соответствующих нормативным требованиям

NAV, Mevzuata Uyumlu Yapılandırılmış Yatırım Ürünleri ile DeFi Yatırımında Devrim Yaratıyor

NAV cách mạng hóa hoạt động đầu tư DeFi với các sản phẩm đầu tư có cấu trúc tuân thủ quy định

NAV 通过符合监管的结构性投资产品彻底改变了 DeFi 投资

**GRAND CAYMAN, Cayman Islands, March 8th, 2024/Chainwire/--**Powered by Pravica, S3 will provide builders on the Sui blockchain with the opportunity to seamlessly launch native stablecoins without the complexities of smart contract development and currency management; S3. MONEY (S3), a stablecoin studio developed on top of the Sui blockchain, was officially announced today by Cairo-based blockchain startup Pravica in collaboration with Sui. S3, which stands for “Stablecoin Studio on Sui,” is set to revolutionize the global payment processing landscape by introducing a versatile and user-friendly solution for building and utilizing stablecoins on the Sui blockchain. S3 offers a key utility designed for building customizable stablecoins directly on the Sui blockchain, which in its initial phase, enables issuers to create fiat-backed stablecoins without building the bespoke technological infrastructure typically required for smart contract development and currency management. S3 not only simplifies the process for existing stablecoin issuers, such as USDC and USDT, to integrate with Sui, but also facilitates the creation of bespoke stablecoin solutions tailored to meet specific regulatory requirements in various jurisdictions. S3 also establishes an entirely new process for stablecoin management, offering a streamlined one-stop-shop experience through a straightforward interface. Stablecoin Studio on Sui provides intuitive, capable administration with role-based controls, enabling effortless configuration and management of stablecoins. The platform enhances treasury command with built-in proof-of-reserve functionality and seamless integration with on-chain oracles. Integrated KYC/AML features prioritize compliance, strengthening due diligence with qualified identity verification services. Mohamed Abdou, Founder & CEO of Pravica, expressed his enthusiasm for S3 and Sui as a foundation for Pravica’s stablecoin creator. "Based on the adoption we are already seeing and our deep experience with international payment systems, we are convinced that stablecoins will revolutionize the global payments industry. We also believe that Sui offers the most capable platform for building robust and scalable decentralized utilities” Built on top of Sui, S3 poised to become a global utility for creating customized payment solutions utilized by millions,” he said. Beyond empowering builders to craft their own stablecoins, S3 also comes with a cutting-edge payments app, Walletify, which serves as a closed-loop payment solution. Walletify allows users to seamlessly transact using the stablecoins created through the S3 utility. Walletify’s closed-loop architecture, building on Sui’s unique Move-based design pattern, ensures a secure and efficient payment experience for both merchants and users. "The team at Pravica has done incredible work and built much needed financial tooling. Stablecoin Studio on Sui removes an immense hurdle for stablecoin issuers and is set to transform the world’s payment processing industry," said Greg Siourounis, Managing Director of the Sui Foundation. "We are extremely gratified that they have chosen to build this revolutionary solution on Sui." Contact Sui Foundation media@sui.io This story was distributed as a release by Chainwire under HackerNoon’s Business Blogging Program. Learn more about the program here.

S3 To Give Sui Developers Compliant Payment Processing Stablecoin Applications

In recent years, the concept of tokenization has been gaining significant traction in the financial and real estate sectors. Real-world asset tokenization involves converting physical assets, such as real estate or art, into asset-referenced tokens (ART) that can be bought and sold on blockchain-based platforms. However, as with any financial innovation, compliance with existing legislation is paramount to ensure a secure and transparent ecosystem for all stakeholders. In this article, we will delve deeper into the world of real-world asset tokenization, focusing particularly on the legislative landscape in different regions and how tokenization companies ensure compliance. Understanding Tokenization and Tokenizers 1.1. Tokenization Explained Tokenization is a transformative process that converts tangible real-world assets into digital tokens that can be traded and owned on blockchain platforms. This innovative approach provides a multitude of benefits by allowing assets like real estate, art, and commodities to be divided into smaller, more affordable units. This fractionalization enables a broader spectrum of investors to participate, resulting in increased liquidity and access to high-value assets. Tokenizers, the companies responsible for managing the technical, legal, and regulatory aspects of asset tokenization, are instrumental in ensuring that the tokenization process aligns with the relevant legal frameworks and maintains utmost transparency and security. Tokenizers are at the forefront of integrating these benefits into the broader financial landscape. 1.2. The Benefits of Tokenization The advantages of tokenization extend beyond mere convenience and accessibility. Here are some key benefits: Liquidity: Tokenization facilitates easy buying and selling of assets, which improves liquidity in traditionally illiquid markets. Fractional Ownership: High-value assets become more accessible as they are divided into smaller units, making ownership possible for a wider range of investors. Cost Efficiency: The use of blockchain technology reduces transaction costs and minimizes intermediaries, resulting in a cost-effective investment ecosystem. Transparency: Blockchain's transparency and immutability ensure secure and efficient trading, reducing the risk of fraud and enhancing trust among investors. Legislation Overview in Different Regions 2.1. The European Union (EU) The European Union imposes a comprehensive regulatory framework for tokenization companies. Key regulations include Markets in Financial Instruments Directive 2014 (MiFID II), Markets in Financial Instruments (MiFIR),  the 6th Anti‑Money Laundering Directive (AMLD6), the Markets in Crypto-Assets Regulation (MiCA), and the Basel Extension. These regulations necessitate tokenization companies to implement robust customer identification and due diligence measures. Compliance with Anti-Money Laundering (AML) and Know Your Customer (KYC) requirements is essential to ensure financial security and transparency. By adhering to these standards, tokenization companies operating in the EU can foster trust and maintain the integrity of the financial system. III 2.2. The United States In the United States, the Securities and Exchange Commission (SEC) plays a pivotal role in regulating tokenization. The SEC employs the Howey Test to determine whether a token is classified as a security. This classification holds profound implications for tokenization companies, as it dictates the necessity for registration and compliance with securities laws. Operating within the intricate regulatory landscape of the United States requires a deep understanding of the legal intricacies and a commitment to compliance. 2.3. Asia Asia offers a diverse regulatory landscape, with varying approaches to tokenization: Singapore has instituted the Payment Services Act, which particularly regulates digital payment tokens. Tokenization companies in Singapore must comply with the act's requirements to maintain a foothold in this burgeoning financial hub. Japan has taken a clear stance on security token offerings (STOs). Tokenization companies in Japan are guided by specific guidelines, which include strict regulatory standards and reporting requirements. Operating across the Asian region presents unique challenges as tokenization companies navigate a multitude of regulatory frameworks, necessitating adaptability and an understanding of local compliance requirements. Compliance Strategies and Practices How do tokenizers comply right now? The existing solution that most tokenizers use is working with KYC providers. In this process, users are required to provide their passport information to a KYC provider, which then verifies the identity of the user and crypto wallet. Once verified, the RWA tokenizer whitelists the user's wallet, granting them access to the tokenization services. In some cases, the provider gives users’ data to the tokenizer, in some cases it doesn’t. However, this method has notable drawbacks. Firstly, the tokenization platform must consistently update and maintain the whitelist, which demands a considerable investment of time and effort and can be challenging to scale efficiently. When a company manually adds and removes the wallets from its whitelist, it leaves a lot of space for human error. Additionally, the centralized storage of passport information poses a security risk, as there is a higher likelihood of data leaks, potentially compromising users' sensitive information. It doesn’t matter whether the KYC provider or the tokenizer stores users’ data—if it’s stored on a centralised server, there’s a good chance it will be leaked at some point. The third significant downside to the current approach of RWA tokenizers implementing KYC compliance is the lack of integration with other platforms. Users who tokenize their assets through a particular RWA tokenizer find limitations in utilizing those tokens elsewhere. This lack of interoperability restricts users from leveraging their tokenized assets in various financial services, such as lending platforms. Essentially, users are confined to the ecosystem of the specific tokenization platform they initially engaged with, limiting the versatility and potential utility of their tokenized assets. As we see, the current method is very ineffective and will slow down the growth of the RWA tokenization sphere. However, with the next-generation KYC providers, the situation may change. Instead of whitelisting wallets for certain tokenizers only, KYC providers can issue something called “verifiable credentials” that can be used to prove certain information without having to disclose the information itself. Conclusion In summary, real-world asset tokenization has already revolutionized blockchain finance, offering increased liquidity, fractional ownership, cost efficiency, and transparency. However, current KYC compliance methods, involving wallet whitelisting through partnerships with KYC providers, present significant drawbacks. Collaboration between regulatory bodies, tokenization companies, and advanced KYC solutions will be crucial for realizing the full potential of real-world asset tokenization in a secure financial landscape. Also published . here

Tokenize it Compliantly — Where is Better to Tokenize Your RWA Assets?

--Return Makes High-Yield Savings Accessible to All and Offers an Annual Percentage Yield (APY) of up to 10% on Deposits. The Company Also Announces its Virtual Asset Service Provider (VASP) authorization from regulatory authorities to operate in 27 European Countries DUBAI, Dubai, May 23rd, 2023/Chainwire/ Return Finance, a fintech company backed by leading VCs, has announced its product that empowers individuals to earn yield returns on their savings through the decentralized finance (DeFi) markets. With , users can turn their funds into a source of income, making their money work for them. Return Return Finance UAB has also announced today that it has received Virtual Asset Service Provider (VASP) authorization from regulatory authorities to operate in 27 European countries. The authorization allows the company to provide digital asset services to customers in the region, including the exchange between virtual assets and fiat currencies. The Return app offers an impressive Annual Percentage Yield (APY) of up to 10% on deposits. Unlike conventional options with minimal interest rates, the product leverages the power of the most trusted DeFi protocols like Curve and Convex Finance among others to provide users with a secure and compliant platform. With transparency and decentralization at the forefront, users can track the progress of their funds and watch the growth of their savings in real-time. Return uses , a regulated token backed by the United States Dollar 1:1, to provide stability. This strategic decision ensures that all financial transactions occur within a secure and trustworthy environment, delivering the best customer experience. USDC The company has partnered with well-known companies to ensure compliance, regulation, and governance in its operations. Among their strategic partners are recognized industry leaders such as Moonpay, Circle, CYBAVO, Chainanalysis, SumSub. These collaborations signify the company's commitment to delivering cutting-edge solutions and driving innovation in the financial technology landscape. RegTech "We are thrilled to receive our VASP authorization which is a testament to Return’s commitment to compliance and customer protection. We believe that regulation is key to the growth and maturity of the digital asset industry, and we welcome the opportunity to work with stakeholders to build a safe and thriving ecosystem for all. Our fully compliant high-yield savings product is a great first step that will make high-yield savings accessible to all“, said Daniel Ishag, CEO of Return Finance. With over 25+ years of experience, serial entrepreneur Daniel Ishag, the Founder and CEO of Return Finance, is renowned for his endeavors that encompass launching revolutionary technologies, pioneering new business models, and creating products and services that have achieved remarkable levels of adoption. The founding team also includes industry veterans with deep technical backgrounds in distributed ledger technology (DLT) and prosperous entrepreneurship. Their profound understanding of emerging technologies empowers the development of an innovative DeFi solution that redefines user experiences and sets new industry standards. Return Finance is driven by the goal of bridging the worlds of traditional finance and decentralized finance (DeFi) while delivering high yields. Their mission is to democratize the advantages of DeFi by creating an easy-to-use, accessible, and intuitive platform. With a vision to reshape the future of finance and unlock the full potential of decentralized systems, Return invites everyone to join them on this transformative journey with an exclusive launch promotion. Users can download the app and receive a 10% (non withdrawable) bonus on all deposits up to $6000. With no upper limit on deposits, Return gives customers the opportunity to earn market beating yields on their funds. To learn more about Return Finance and start earning high yields on your savings, visit . https://return.finance/ About Return Finance Return Finance was established with a mission to provide individuals and businesses with high-yield savings products in a fully regulated, transparent, and decentralised manner. With a commitment to accessibility and security, the company offers its services through the Return app, aiming to democratise the adoption of decentralised finance. About Daniel Ishag Daniel Ishag is the Founder & CEO of Return Finance. As a long-standing serial entrepreneur, he possesses proven experience in scaling businesses and building global client bases. In his career, he has launched multiple businesses, such as Espotting, Karhoo, and Bluewater Bio, all with the aim to deliver innovative services. About Christo Peev Christo Peev is the Co-founder and CTO of Return, possessing a deep-cut knowledge of software development and blockchain technologies, as well as a never-ending drive for innovation. About Ali Alaa Eddine Ali Alaa Eddine is the Co-Founder & CFO of Return Finance and a senior finance specialist, CPA, and tax advisor with over a decade's experience in financial services, audit, and advisory services. Return Finance is the source of this content. This Press Release is for informational purposes only. The information does not constitute investment advice or an offer to invest. Contact co-founder Sofia Latveya Glyph hello@glyph.social This story was distributed as a release by Chainwire under HackerNoon’s Brand As An Author Program. Learn more about the program here: https://business.hackernoon.com/brand-as-author

Return Finance Launches Fully Compliant High-Yield Savings Application in 27 European Countries

Return Finance lanza una aplicación de ahorro de alto rendimiento totalmente compatible en 27 países europeos

Return Finance lance une application d'épargne à haut rendement entièrement conforme dans 27 pays européens

रिटर्न फाइनेंस ने 27 यूरोपीय देशों में पूरी तरह से अनुकूल उच्च-उपज बचत एप्लिकेशन लॉन्च किया

Return Finance が欧州 27 か国で完全準拠の高利回り貯蓄アプリケーションを開始

Return Finance lança aplicativo de poupança de alto rendimento totalmente compatível em 27 países europeus

Return Finance ra mắt ứng dụng tiết kiệm năng suất cao hoàn toàn tuân thủ ở 27 quốc gia châu Âu

Return Finance 在 27 个欧洲国家推出完全合规的高收益储蓄应用程序

Privacy is a top concern when discussing ChatGPT-like tools with professionals. Data Privacy: Querying and transmitting data to external servers may compromise data privacy. Sensitive information transmitted over the internet can be exposed to unauthorized access. Data Security: Sending data to external servers increases the risk of unauthorized access. Storing sensitive information outside the user's controlled environment can be problematic. Regulatory Compliance: Compliance requirements for data handling and storage vary by industry and region. Using ChatGPT may raise concerns about compliance with these regulations. Control over Data: Users have limited control over how their data is processed and stored with ChatGPT. Ensuring compliance with data handling policies or organizational requirements can take time and effort. Legal and Ethical Considerations: Jurisdiction-specific legal and ethical considerations may apply to using language models. Specific AI models may require user consent or compliance with regulations for interactions or decision-making. On May 2nd, 2023, showed how open-source models and tools like @LangChainAI enable a 100% local execution, ensuring your data never leaves your environment. Iván Martínez Enables local execution of language models, keeping data within the user's environment. Enhances data privacy, security, and control, reducing compliance risks associated with traditional ChatGPT-like tools. privateGPT allows you to interact with language models (such as LLMs, which stands for "Large Language Models") without requiring an internet connection. With privateGPT, you can work with your documents by asking questions and receiving answers using the capabilities of these language models. One of the critical features emphasized in the statement is the privacy aspect. privateGPT ensures that none of your data leaves the environment in which it is executed. This means that all interactions, including document ingestion and question-answering, occur within your execution environment without transmitting data over the Internet. This focus on privacy aims to protect your sensitive information and maintain confidentiality. To summarize, privateGPT enables offline usage of language models, allowing you to interact with your documents by asking questions and obtaining responses. It emphasizes data privacy by ensuring that your data remains within your execution environment and is not transmitted over the Internet. System Requirements: Python Version To use this software, you must have Python 3.10 or later installed. Earlier versions of Python will not compile C++ Compiler If you encounter an error while building a wheel during the process, you may need to install a C++ compiler on your computer. pip install For Windows 10/11 To install a C++ compiler on Windows 10/11, follow these steps: Install Visual Studio 2022. Make sure the following components are selected: Universal Windows Platform development C++ CMake tools for Windows Download the MinGW installer from the . MinGW website Run the installer and select the "gcc" component. Environment Setup To set up your environment and run the code provided, follow the steps below: Step 1: Install Requirements Make sure you have Python and pip installed on your system. Then, open a terminal or command prompt and navigate to the project directory. Run the following command to install the required dependencies: pip install -r requirements.txt This command will automatically install all the necessary packages and libraries for running the code. Step 2: Download the Models Next, you need to download the two models required for the code. These models are the LLM (GPT4All-J compatible model) and the Embedding model. Follow the instructions below to download and place them in a directory of your choice: Download the LLM model compatible with GPT4All-J. The default model is named "ggml-gpt4all-j-v1.3-groovy.bin". If you prefer a different GPT4All-J compatible model, you can download it from a reliable source. Once downloaded, place the model file in a directory of your choice. LLM Model: Download the Embedding model compatible with the code. The default model is named "ggml-model-q4_0.bin". If you prefer a different compatible Embeddings model, download it and save it in the same directory as the LLM model. Embedding Model: Step 3: Rename and Edit the Configuration File In the project directory, locate the file named "example.env". Rename this file to ".env" (with a dot at the beginning). This file contains the configuration variables that need to be set appropriately. Open the ".env" file in a text editor and modify the following variables according to your setup: MODEL_TYPE: Set this variable to either "LlamaCpp" or "GPT4All", depending on the type of model you want to use. PERSIST_DIRECTORY: Specify the folder where you want your vectorstore to be saved. Provide the absolute path to the desired directory. LLAMA_EMBEDDINGS_MODEL: Set this variable to the absolute path of your LlamaCpp-supported embeddings model binary. Make sure to specify the full path, including the filename and extension. MODEL_PATH: Set this variable to the path of your GPT4All or LlamaCpp-supported LLM model. Again, provide the full path including the filename and extension. MODEL_N_CTX: Specify the maximum token limit for both the embeddings and LLM models. This determines the length of the input text that the models can handle. Set an appropriate value based on your requirements. Note: When specifying the LLAMA embeddings model path in the LLAMA_EMBEDDINGS_MODEL variable, make sure to provide the absolute path. Home directory shortcuts like "~/path/to/model" or "$HOME/path/to/model" will not work. Save the ".env" file after making the necessary changes. Step 4: Run the Code Once you have completed the steps above, you are ready to run the code with your customized environment settings. Execute the code using your preferred method, such as running a script or using an integrated development environment (IDE). Ensure that your code reads the environment variables from the ".env" file at the beginning of the execution. This will ensure that the correct model paths and settings are used. Ingesting Your Own Dataset To ingest your own dataset into the local vectorstore using the provided code, follow the instructions below: Step 1: Prepare Your Dataset Gather all the documents you want to ingest into the vectorstore. The supported file formats are .txt, .pdf, and .csv. Ensure that your documents are properly formatted and contain the relevant text data. Step 2: Organize Your Files Create a directory named "source_documents" in the same directory as the code files. This directory will hold all your dataset files. Place all the .txt, .pdf, or .csv files into the "source_documents" directory. Step 3: Run the Ingestion Command Open a terminal or command prompt and navigate to the directory where the code files are located. Use the following command to run the ingestion process: python ingest.py This command will initiate the ingestion process and start processing your dataset files. Depending on the size of your documents, the process may take some time to complete. Please be patient and allow the command to finish execution. Step 4: Wait for Completion The ingestion process will create a folder named "db" in the same directory as the code files. This folder will contain the local vectorstore, where your ingested documents' embeddings are stored. The time taken for the ingestion process depends on the size of your documents and the processing power of your system. During the ingestion process, no data leaves your local environment. The ingestion is performed entirely on your machine, and you can even perform it without an internet connection. Step 5: Use the Ingested Data Once the ingestion process is complete, you can start using the ingested data for various tasks such as similarity search or text analysis. The local vectorstore contains the accumulated embeddings of all the ingested documents, allowing you to perform operations on your dataset efficiently. Note: If you want to start with an empty database and remove all previously ingested data, simply delete the "db" folder before running the ingestion command again. Locally Querying Your Documents To ask questions to your documents locally, follow these steps: Run the command: python privateGPT.py Enter your query when prompted and press Enter. Wait for the script to process the query and generate an answer (approximately 20-30 seconds). The script will display the generated answer and the four context sources used from your documents. You can ask more questions without re-running the script. To exit the script, type "exit" when prompted for a query. Note: The script works offline, and no data leaves your local environment. How does it work? The process involves selecting appropriate local models and utilizing the power of LangChain. By doing so, you can perform the entire pipeline within your own environment, without any data leaving it, while maintaining reasonable performance. Firstly, the " " script utilizes LangChain tools to analyze the document and generate embeddings (representations) of the text. ingest.py This is done locally using LlamaCppEmbeddings. The resulting embeddings are then stored in a local vector database using Chroma vector store. Next, the " " script uses a local language model (LLM) based on either GPT4All-J or LlamaCpp. It uses this model to comprehend questions and generate answers. privateGPT.py To provide context for the answers, the script extracts relevant information from the local vector database. It achieves this by performing a similarity search, which helps locate the appropriate piece of context from the stored documents. Additionally, it's worth noting that the GPT4All-J wrapper was introduced in LangChain version 0.0.162, facilitating the integration of GPT4All-J within the LangChain framework. Overall, this approach allows you to run the entire process locally, without sharing your data, and achieve satisfactory performance by leveraging local models and the capabilities of LangChain. Here is the link to the repo: https://github.com/imartinez/privateGPT Also published . here

PrivateGPT: ChatGPT but Private and Compliant

Is your business website or website application accessible to all? When I say “All”, it also includes people with diverse disabilities. What if your website is not ADA-compliant and what are the risks associated in that case? This article will help in clearing a lot of your questions related to ADA compliance website design. According to the ADA (Americans with Disabilities Act Standards for Accessible Designs) lawsuit, web accessibility encompasses all the disabilities outlined below that affect access to the web. This list is included under the web accessibility category by World Wide Web Consortium, popularly known as W3C. Auditive Cognitive Neurological Physical Speech Visual ➡️ ADA gives crucial importance to equality to able and differently-able people when it comes to accessibility of a web design. And as per its lawsuit, it is now mandatory to develop ADA-compliant websites and web solutions. ➡️ Talking about the USA alone, 1 in 4 adults is living with a specific disability, . That’s about 61 million people not having “EQUAL ACCESS” to your website if it is not ADA compliant.😲 CDC reports If that is not clearer to you yet, let us first discuss the web accessibility basics. What is Website Accessibility? It means that your web design process delivers a design that is used by normal and differently-abled people. The main purpose of delivering accessible web designs is to remove any technological barriers whatsoever so that anyone can access and interact with your website content. Do not worry 💆‍♂️ if you are unaware of where to get started. Explore the W3C documentation for web accessibility . This documentation includes three categorized guidelines shown below: here Focuses on tools that users use to create internet content. Authoring Tool Accessibility Guidelines (ATAG): Includes the guidelines that help to make the website accessible to EVERYONE. Web Content Accessibility Guidelines (WCAG): It looks at the accessibility of tools that render web content. User Agent Accessibility Guidelines (UAAG): In this article, our sole focus will be on WCAG which has three different levels of compliance: A, AA, and AAA. If you go from A → AA → AAA, it means that you are following more ADA standards and guidelines to launch a website that is accessible to a larger number of people. So, How Do You Know Your Website is Accessible? The only answer is: “Do an audit” of your website accessibility. Remember that you do not have to perform the audit on your own. If you are feeling uncomfortable doing it or lack the technical knowledge to do so, the best way is to outsource the audit for yourself. Get in touch with a top web design & development agency and talk to the team of experts. The web designers and QA engineers will analyze all the aspects of your website or web app to make any necessary adjustments needed through automated and manual checks. How Much It Will Cost? The cost will depend largely on the complexity of your website, adjustments, and the level (A/AA/AAA) you wish to achieve. A standard process is followed to refurbish and revamp the existing website by implementing WCAG standards and guidelines to deliver your AA/AAA level ADA-compliant website. A full spectrum of ADA compliance services guarantees to make your website compliant with ADA, Section 508, WCAG, and more. What are the Risks if Your Website is NOT ADA-Compliant? ⚠️ Brace yourself to face the charges if you get caught launching a website that is not ADA-compliant. The first-time violation 🚫 fine could fall within the window of $55,000 - $75,000. Even after that, if you do not make your website ADA-compliant, there come the second-time violation charges. And that could cost you a hefty fine of approximately $150,000. First and foremost, ADA compliance is a legitimate requirement to make your website live. Businesses of any size could come up against legal action from an individual or advocacy groups if they fail to comply with ADA regulations and WCAG guidelines. Organizations that need to follow ADA requirements include: ▶️ State and Local Government Agencies ▶️ All Businesses Open to the Public For instance, retail stores, banks, hotels, hospitals and clinics, restaurants, movie theatres, etc. are affected businesses. A lawsuit can bring severe damages to your company’s finances and goodwill in the market. It only takes a moment to see your reputed empire fall down, which took years and decades to build. No one is above anyone in complying with ADA regulations. All are equal as many giants have been already named in the lawsuits. Huge brands like Amazon, Nike, Hershey’s, The Wall Street Journal, Domino’s Pizza, Fox News Network, Burger King, etc. are not spared from filing a lawsuit for not being ADA-compliant. List of Actions to Make Your Web Design ADA-Compliant Follow the quick reference guide on . These 12 guidelines are organized under four principles: Perceivable, Operable, Understandable, and Robust. The three levels A, AA, and AAA are given to every guideline as success criteria indicators. WCAG 2.1 guidelines for website accessibility is the most popular extension available for quick initial accessibility audit and it runs on Firefox and Google Chrome browsers. You can also download its paid product version in the form of WAVE API to schedule and/or automate routine checks on website accessibility. WAVE Automated tests can only identify and catch 20-30% of total issues on your website. Note: To give you a better understanding, we are listing some of the action items considering various aspects of our website audit process to make an ADA-compliant website. 🎬 Captions for Live Videos For every video on your website, you can automatically add captions to all videos using a tool like and manually edit them later if you feel like it. Or outsourcing it to professionals is always possible. Because it not going to be perfect captions coming from an AI-powered tool like Wave. wave.video 📻 Audio Descriptions For all pre-recorded content, you have to add audio descriptions for each one of them. You can also add a link near the content that directs users to your audio description. 🔡 Text Readability Any regular-size text that conveys useful, important, and critical information on the website shall be easy to read. Contrast plays a vital role here. Large text (Headings for instance) needs a 3:1 text-to-background contrast ratio. Whereas, regular text that makes up the body of your content shall have a 4.5:1 text-to-background ratio. 🔍 Text Zoom-in Any user shall be able to zoom to the areas he or she wishes to see larger. But this action shall not restrict or limit the web page functionality. 🔠 Text-resizing Without any assistive feature, users shall be allowed to resize text up to 200% without affecting website functionality and content. This action item is not applicable to Captions and images of text. 🖼️ Image Optimization Adding Alt Text to the images has become more than an SEO practice. Alt Text is giving captions to the images to explain what’s up with these images. Alt Text resides in the coding part of your web page. You can see an Alt Text for an image by checking its source URL Page. 🖱️ Keyboard & Mouse Friendliness Not every one of us uses a mouse to access and navigate the website on the internet. However, your website shall be accessible to such users. It is not only important to make it accessible to a keyboard or a mouse, but it is equally important to showcase what part of your website shall be in focus. 📍 Easy Navigation The main navigation header should be constant from page to page. Improve website navigation through HTML sitemap, site search, and consistent navigation menu for better accessibility. 🏷️ Headings & Labels To explain topics or purposes, use headings and labels that are descriptive and self-explanatory. Labeling site elements such as a pricing list, size chart, or contact form would be a plus. 🌐 Adding a language attribute (French for example) to the web pages helps foreign people who are not familiar with the language used (English) on the website. Adding language attributes massively helps to increase website accessibility. Language Option: 📢 This includes providing textual recommendations and guiding users to fill in valid information asked of them. A simple example would be suggesting the format of a phone number in the USA in the contact form. User Suggestions for Validation: 👨‍⚖️ Verdict: ADA Compliance is Mandatory NO MATTER WHAT! Even if you think that ADA compliance does not include your area of business, accessible web design and development should be still a top priority for you. The lawsuit protocols are subjected to change in the future. So this is definitely not the comprehensive list of  guidelines for website accessibility. If you are a government (Federally) funded organization, you risk yourself to lose its funding, at the time of first-time violation itself or the repeated violation. If you want to do it yourself, we recommend doing comprehensive research to evaluate your web design accessibility as per the ADA regulations.

The Dangers of an ADA Non-Compliant Website

Twitter v. Elon Musk Court Filing by Potter Anderson & Corroon LLP, July 12, 2022 is part of . You can jump to any part in this filing . This is part 10 of 31. HackerNoon’s Legal PDF Series here Feature Image: HackerNoon’s Stable Diffusion AI, Prompt “past practice compliance” FACTUAL ALLEGATIONS III - The Final, Agreed-upon Term Deals D. Ordinary Course Covenant 51. The agreement contains a seller-friendly ordinary course covenant, requiring Twitter to use no more than “its commercially reasonable efforts” to “conduct the business of the Company and its Subsidiaries in the ordinary course of business” unless, among other things, an action outside the ordinary course is “agreed to in writing by Parent (which consent shall not be unreasonably withheld, delayed or conditioned).” Id. § 6.1. There is no requirement of compliance with “past practice.” And, as noted, before the agreement was signed, Twitter succeeded in striking from the covenant a requirement to obtain Parent’s consent for the hiring and firing of employees. Continue reading here

The deal requires Twitter to be compliant with Musk's request. But not with "past practice"

El acuerdo requiere que Twitter cumpla con la solicitud de Musk. Pero no con la "práctica pasada"

L'accord exige que Twitter se conforme à la demande de Musk. Mais pas avec la "pratique passée"

सौदे के लिए ट्विटर को मस्क के अनुरोध का अनुपालन करने की आवश्यकता है। लेकिन "पिछले अभ्यास" के साथ नहीं

この取引では、Twitter が Musk の要求に従う必要があります。しかし、「過去の慣行」ではありません

O acordo exige que o Twitter esteja em conformidade com o pedido de Musk. Mas não com "prática passada"

Thỏa thuận này yêu cầu Twitter phải tuân thủ yêu cầu của Musk. Nhưng không phải với "quá khứ thực hành"

该交易要求 Twitter 遵守马斯克的要求。但不是“过去的做法”

A mere 25 million Bitcoin adopters generate a market capitalization of 375 billion dollars. There are more than 1 billion Muslim users on the internet. What would be the capitalization of a currency supported by as little as 3% of them? Almost double that of Bitcoin. But why does this question arise in the first place? In other words, why can’t religious Muslims use Bitcoin for digital payments? We can find the answer in history. For centuries, the development of finance in the regions with the majority of the Muslim population has been limited by the strict prohibitions of Islam. The Shariah law prohibits charging interest, speculating on ambiguity, and selling risk in the form of risk premium — in other words, virtually every tenet of conventional finance fails to meet the criteria of halal investment. Cryptocurrency is no exception, leading to the exclusion of a vast market segment (according to the , the Islamic financial sector is expected to grow to $3.69 trillion by 2024) from the industry. Global Islamic Economy Report With the emergence of blockchain technology, it was the question of time before the first Shariah-compliant financial ecosystem on blockchain appeared. In this piece, I will share the experience of building Haqq — a ledger specifically created to support the world’s Muslim community, grant it new-age financial instruments, and support inclusion. Technical solutions and the consensus mechanism Haqq (Arabic for ‘truth’) is an application-specific blockchain built on Cosmos SDK — an for building multi-asset public blockchains. There are many benefits of Cosmos SDK, such as instant finality, which makes transactions irreversible immediately after block inclusion, inter-blockchain communication (IBC), making the network interoperable with other IBC-supported chains, and energy-efficient Proof of Stake consensus. open-source framework The Haqq network is coupled with EVM, making it compatible with existing Ethereum smart contracts and toolsets. Haqq network allows the deployment of any smart contract written for Ethereum or any other EVM-compatible network without changing a single line of code. Besides, the Haqq network is compatible with Cosmos-native wallets like Keplr and Ethereum-native wallets like Metamask. The Haqq blockchain also leverages the Tendermint Core consensus mechanism — the same one implemented by BNB Beacon Chain (formerly known as Binance Chain). This is a Proof of Stake Byzantine Fault Tolerant protocol that allows instant finality and quick execution of transactions. Tendermint Core leaves flexibility in how the validators are chosen. Ethics come first: how to reconcile a blockchain with religious norms Islamic finance is a socially responsible form of investment that emphasizes promoting inclusion and bolstering the community. 10% of all Islamic Coin minted on Haqq is automatically deposited to the Evergreen DAO — a value-driven fund for investments in Muslim non-profits or ESG ventures. The technical side is also mindful — Haqq was developed before the Merge, so choosing Cosmos SDK and Tendermint’s Proof of Stake over Ethereum was an intentional environmentalist decision. Haqq’s executive board positions the blockchain as an infrastructure-level solution for ethical projects — not only religion-related but also edutainment (education in entertainment), non-profit dApps, charity fundraising, and many more. This mission statement, paired with its PoS carbon neutrality, allowed Haqq to reach an exceptionally significant milestone Bloomberg .” In June 2022, Haqq and Islamic Coin gained Fatwa — a legal ruling on a point in Islamic law — from the world’s leading Muslim authorities. They thus officially became the first Shariah-compliant blockchain and cryptocurrency. named “a major breakthrough Promoting community values Haqq blockchain and its native Islamic Coin are vivid examples of how application-specific blockchains and Web3, in general, can help promote the community values of a religious or ethnic group. Compliance with the Shariah financial laws and Fatwa from religious authorities, paired with the project’s robust technological backbone, may lead to widespread adoption of Haqq among the digital Muslim community. Islamic Coin team anticipates rapid expansion in countries with a large unbanked population (like Nigeria, with 60% of the unbanked population, or Indonesia, with more than 50%). The team is partnering with institutional finance organizations to bring financial services to people who have never had access to it before – thanks to blockchain technology. By doing so – Islamic Coin takes on the original Bitcoin mission – bank unbanked, remove unnecessary intermediaries, and ensure inclusiveness of both builders and users of financial services worldwide.

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