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According to central bank governor Elvira Nabiullina, the Bank of Russia is delaying the release of the digital ruble, which was scheduled for this summer but will be delayed until an undetermined future date. “We continue to receive questions about delays in the widespread introduction of the digital ruble”, Nabiullina said. She explained that pilot testing has been successful, with 1,700 people, 15 banks, and 30 companies participating. However, she concedes that more consultation must occur with banks to find the best economic model to fit with customers before a rollout can occur. The Bank of Russia started this project because banks showed a keen interest in smart contracts, providing an apparent reason to make smart contracts a central component of the Central Bank Digital Currency project. Nabiullina announced the delay to the Association of Russian Banks (ASROS) and updated the attendees on the positive results achieved thus far with the pilot test. “Therefore, our intention”, said Nabiullina, “is to move to the mass introduction of the digital ruble a little later than originally planned, namely after we work out all the details in the pilot and consult with banks on the economic model, which is most attractive to their customers – for business, for people”. The digital ruble was designed to be a fully functioning Central Bank Digital Currency (CBDC), operating alongside cash and digital payments, providing reliable services without the need for interest or lending rates. The Banking Association estimated that a bank’s adoption of the digital currency would cost $1.1 million. The central bank will provide extra support for smaller banks, including free technical support. “For those components that are mandatory”, wrote Deputy Governor of the Bank of Russia, Zulfiya Kakhrumanova, “from the point of view of information security, we provide these solutions to banks free of charge. This software module for embedding is created and transferred to organizations, and in three different forms, so that banks can choose the most optimal one for their landscape”. “We provide free cryptographic information protection tools for subordinate certification centers deployed by banks, and this is also a significant cost aspect for banks”. The digital ruble further allows Russia to make international payments, relying less on Western infrastructure. It provides an alternative to the SWIFT payment system, allowing Russia and other countries to continue operating businesses regardless of Western sanctions. Given Russia’s high priority for SWIFT alternatives and BRICS business, one can only wonder why the digital ruble has been postponed. The proliferation of CBDCs would allow for bypassing the SWIFT international standard, displacing the dollar as an accepted medium of exchange. Currently, SWIFT is used to sanction entire states, having very little competition. The economic alliance of Brazil, Russia, India, China, and South Africa (BRICS), including Egypt, Iran, Indonesia, and Ethiopia, with additional right partner countries, has sought more reliable forms of payment that do not overly rely on American-dominated standards. BRICS has created a BRICS Pay Consortium, using QR codes to organise payments. The system is referred to as a decentralized automated organization (DAO). Although the system is not explicitly a blockchain, the consortium has been upfront about its intentions to explore blockchain solutions. Olga Goncharova, a financial consultant, claims that a digital central bank is not appropriate because digital currencies are programmable and have security concerns. She further says consumers may not prefer a digital currency, limiting its ability to roll out across Russia. Goncharova concedes that smart contracts could speed up loan processing and limit government spending, but she argues that these processes could be completed with traditional means.

Cardano (ADA) has been through a rollercoaster ride in recent months, showing both massive gains and sharp declines. After reaching a peak above $1.20, ADA suffered a significant correction, dropping below $0.60 before experiencing a dramatic price surge. However, despite the recent spike, the price is facing strong resistance, leaving traders wondering—will ADA continue its recovery, or is another major drop on the horizon? In this analysis, we will examine ADA’s key support and resistance levels, the current trend indicators, and whether the price could crash further or regain bullish momentum. Cardano saw an explosive move upward after touching its $0.60 support level, which acted as a psychological bottom for many traders. The sharp increase in price was likely fueled by a short squeeze, where traders betting on further downside were forced to buy back their positions, accelerating the rally. However, despite this bullish impulse, ADA quickly hit resistance near $1.20, a level that previously acted as a key rejection zone. The price has since dropped to $0.82, showing signs of increased selling pressure. ADA's bounce from $0.60 suggests that this area is acting as a strong demand zone. Historically, when ADA has tested this region, buyers have stepped in to push the price higher. If $0.60 holds, ADA could consolidate before making another attempt at higher resistance levels. On the flip side, if ADA fails to hold above $0.80, another retest of the $0.60-$0.65 zone is possible. If this level breaks, the next major support would be near $0.40, which could send bearish signals across the market. The Relative Strength Index (RSI) is currently at 52, indicating that ADA is in a neutral zone. However, just a few days ago, the RSI was oversold, meaning that the recent price recovery was likely a result of buyers stepping in at lower levels. If the RSI moves above 60, it could signal continued bullish momentum, while a drop below 40 would indicate renewed weakness. The Heikin Ashi candles also show some indecision in price movement. While recent candles have turned green, suggesting bullish attempts, the rejection at $1.20 means that bulls are not fully in control yet. For confirmation of a trend shift, ADA must print multiple strong bullish candles above $0.90-$1.00. For ADA price to continue its upward movement, it needs to break and hold above $1.00-$1.20. This region has acted as a significant resistance level in the past, and overcoming it would allow for a potential move toward $1.50 in the coming weeks. However, if ADA fails to break resistance and starts trending lower, the first critical support to watch is $0.80. A break below this level would likely lead to $0.60-$0.65, which is the last major support zone before a potential free fall toward $0.40. While a complete crash to $0 is highly unlikely, ADA could still experience further declines if market conditions worsen. A major breakdown below $0.60 would raise concerns about deeper losses, and if broader crypto market sentiment turns bearish, ADA could revisit its 2023 lows of around $0.25-$0.30. That being said, Cardano remains a solid blockchain project with strong development activity. If the crypto market recovers, ADA could still regain its previous highs over time. ADA’s recent price action suggests a mixed outloo k, with strong support at $0.60 and strong resistance at $1.20. While short-term traders might look for breakouts above $0.90-$1.00 for bullish confirmation, long-term investors may consider accumulating near the $0.60-$0.70 zone if the price dips again. For now, ADA remains at a critical decision point, and its next move will depend on whether it can break resistance or retest lower levels. Traders should watch the $0.80-$0.90 range closely, as a breakout or breakdown from this level will set the direction for the coming weeks.

Brasil is a place where you can give your taxi driver a beer, and he accepts with a big gulp and keeps on driving. Carnaval ends tomorrow evening (Wednesday morning) in Salvador. When you exit baggage claim where all the bald men are holding signs with fun sounding names, you're immediately greeted with free caipirinhas, shots of cachaça, and Brahma beers. They're forced on you. You're only option — if you take a taxi or your Uber arrives quick — is to offer a brew to your driver. They will always accept. That's culture.

S&P 500 Free Cash Flow Yield is at its lowest level in over 20 years 🚨 Probably Fine?

Thoughts on chanting.. When you chant names, you find your breath taking on a subtle tone with a frequency that calms your mind, makes you focused, cuts the chain of thoughts, and helps you connect with the unknown dimension with more practice. The heart plays a crucial role in this connection—it is not just a physical organ but a vessel of deep emotions, intuition, and the silent language of the soul. When you chant with devotion, the vibration doesn’t just stay in the mind; it resonates in the heart, creating a bridge between the seen and the unseen, between the self and the cosmic rhythm. The heart, unburdened by logic and untouched by external conditioning, responds to chanting in its purest form—synchronizing with the breath, expanding in stillness, and opening pathways to divine communion. There are some special names like “Ram, Om, Radhe, Krishna” that are used for chanting—names that carry the collective belief of people from the oldest religion in history. These names have been chanted by gazillions of people over the course of thousands of years. They carry the weight of collective manifestation—if you believe manifestation works, then chanting works. But how does manifestation really unfold through chanting? When you chant, you are not simply uttering words—you are aligning your entire being with an energy field that has been charged with centuries of devotion. The universe, as many ancient traditions suggest, is not indifferent; it is a field of vibrations where thoughts, intentions, and emotions shape reality. Chanting is the act of pouring your deepest intentions into this cosmic field, reinforcing them with sound, rhythm, and faith. The Bhagavad Gita speaks of the power of unwavering devotion—how the mind, when constantly attuned to the divine, merges with it. The Upanishads whisper of the sacred syllables that hold the key to transcendence. Even modern quantum physics suggests that observation and intention influence the unfolding of reality at a subatomic level. Chanting, then, is not just an ancient ritual but a timeless method of bringing thoughts into form, aligning one's energy with the greater cosmic design. Chanting is the best way to manifest—when you chant, you manifest your relationship with the ultimate God; when you chant, you connect with cosmic energy with your heart, body, and mind, finding the perfect sync. When you chant, you begin removing the clutter of thoughts, discovering a new pattern in life where you experience fewer negative thoughts and more positive ones—your enthusiasm increases, your passion finds its way, you start to bloom, you find your calling, and you see the truth as it is. You become free from conditioning; chanting cleanses your heart and mind. And when you take care of your body too, you end up cracking the trilemma of life—having a great mind, heart, and body at the same time. Once you crack that, you find real joy, you find yourself, and you meet the ultimate source—whom we know by different names—who lives in all of us. It’s just that we never knew it until we try and walk the journey to meet our master—the master who is behind the screen on which the movie of life is being played, until our last breath.