The world is not a competition of grades but of processes!

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April 28, 2025

Companies do not hire you just because you made good grades in school. You are hired because you’ve demonstrated attributes which resulted in a good outcome (good grades). To get good grades, you managed your time, showed discipline to accomplish a purpose (yes, every student likes good grades!).

The assumption is this: if you can apply those attributes in a job, the outcome would be good. You must understand that the processes to get a good grade are more important than the actual grade. Most attributes to success are universal while grades are not. Staying on course with those attributes makes the future predictable even when the grades become irrelevant!

If you graduated with poor grades, your problem is not the poor grades but the processes that produced the grades. If your processes (activity prioritization, dedication, focus, time management, etc) were GREAT but you ended with poor grades, you will be fine, since the root issues could be ones of talent, environment, misalignment, etc. Yes, deploy those processes on something else, and success will come.

Why? The world is not a competition of grades but of processes! The grades of markets are different from the grades from your professor because the exams from the professor are different from the ones set by customers. That you made A+ in school does not mean you can pass with A+ before customers (both internal and external) at work.

So, what do we do? We must deploy the same tenacity, focus and hardwork which helped us to master the processes required by professors in school, to master what customers want, if we want to get an A+ from the market. Simply, grades go scale but processes do not: to thrive, you must keep improving your processes.

Win via better processes in all you do. Yes, improve your processes!

Commend on Feed

Comemnt: To hell with companies. We create our own jobs

My Response: When you create your own jobs, you will have a company. The irony of your comment is the illusion that an entrepreneur does not work in a company. And because it is yours, you do not need to have processes. That is wrong. Every entity in the world is built on the tripod of people, tools and processes, even if you are the person bringing that entity to life. The mindset you posit is the one which makes scaling a business harder: it is mine, I have a job and I do not need to improve my processes to grow that firm.

Cardano (ADA) to Outgain Ripple (XRP) in the Next Market Climb, But Does That Make It the Best XRP Alternative to Buy?

By

TI Partners

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April 28, 2025

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Cardano (ADA) is gaining momentum in the crypto market, with analysts predicting a potential rise to $10 by 2030. Upgrades like Leios aim to boost scalability, while MiCA compliance expands its reach in regulated European markets. Meanwhile, Ripple (XRP) faces turbulence despite a recent 2% price uptick. An “odd filing” in its ongoing SEC lawsuit and looming support breaches at $2.02 keep investors cautious. While both projects show promise, neither matches the explosive potential of Rexas Finance (RXS), a real-world asset tokenization platform rewriting investment rules.

Cardano’s Growth Trajectory Faces Competition

Cardano is positioning itself as a blockchain leader with consistent upgrades and institutional partnerships. Priced at $0.63, ADA remains far from its 2021 peak of $3.10. Predictions suggest a climb to $2.62 by 2025 and $10.32 by 2030, driven by ecosystem expansion and smart contract advancements. However, these gains pale compared to Rexas Finance’s presale performance, surging 580% from $0.03 to $0.20 in under a year. While Cardano’s 10-year forecast impresses, Rexas offers immediate upside, targeting a $0.25 launch price in 2025 with post-listing projections exceeding $10—a 50x leap from current levels.

Ripple’s Legal Hurdles Limit Momentum

Ripple’s price struggles at $2.09 amid regulatory uncertainty. A recent SEC lawsuit filing by Justin Keener, a figure previously fined $10M for securities violations, adds little credibility. Analysts warn of a 48% crash if XRP breaches $2.02 support. Though Coinbase’s upcoming XRP futures could spur volatility, Ripple’s long-term viability remains clouded. In contrast, Rexas Finance avoids regulatory pitfalls by tokenizing tangible assets like real estate and gold—markets worth trillions globally. While XRP investors hedge risks, RXS backers tap into asset classes with intrinsic value, bypassing crypto’s speculative swings.

Rexas Finance Redefines Real-World Asset Ownership

Breaking barriers between physical assets and blockchain, Rexas Finance is democratizing access to high-value markets. Imagine owning a fraction of a Parisian apartment from Jakarta or a stake in Dubai commercial real estate—all through a few clicks. The platform’s ERC-20 token, RXS, powers this revolution, enabling fractional ownership and seamless trading of tokenized assets. Rexas Token Builder simplifies asset tokenization for individuals and institutions. Users convert real estate, art, or commodities into tradeable tokens without coding expertise. The Launchpad lets creators fund projects by issuing asset-backed tokens, while QuickMint Bot accelerates minting. AI Shield and GenAI tools enhance security and user experience, ensuring scams and vulnerabilities stay minimized.

Presale Momentum Signals Investor Confidence

Rexas Finance could have secured venture capital but chose public presale to include everyday investors. The decision is paying off: 91.9% of the 500,000,000 RXS presale allocation has sold out, raising $47.9M. Early backers watched prices jump 6.6x from $0.03 to $0.20, with a confirmed $0.25 listing price in 2025. The remaining 8.1% tokens are dwindling fast, fueled by a $1M giveaway offering 20 winners $50,000 each. Over 1.2M entries highlight soaring interest. CertiK’s audit assures RXS smart contracts meet top security standards, building trust in a market riddled with exploits. Listings on CoinMarketCap and CoinGecko—platforms with 100M+ monthly users—amplify visibility. Rexas plans debuts on three Tier-1 exchanges post-launch, ensuring liquidity and accessibility.

Why Rexas Finance Stands Out Now

Cardano and Ripple offer gradual growth, but Rexas Finance reshapes how we invest. By bridging real estate’s $613T market and blockchain, RXS unlocks opportunities once reserved for the wealthy. Tokenizing assets like gold or property fragments lets global audiences build diversified portfolios effortlessly.

With 22.5% of RXS tokens allocated to staking pools, long-term holders earn passive income while supporting network stability. The presale’s final stage offers a last chance to buy below the $0.25 launch price—a gateway to projected 50x returns. As traditional and crypto investors scramble for RXS, missing this window risks losing ground in the next big wealth wave. Cardano and Ripple may climb, but Rexas Finance isn’t just competing—it’s pioneering. The question isn’t whether to find an XRP alternative but whether to seize the RXS opportunity before it multiplies.

For more information about Rexas Finance (RXS) visit the links below:

Website: https://rexas.com

Win $1 Million Giveaway: https://bit.ly/Rexas1M

Whitepaper: https://rexas.com/rexas-whitepaper.pdf

Twitter/X: https://x.com/rexasfinance

Telegram: https://t.me/rexasfinance

Why Your Retirement Plan Needs More Than Just Savings

By

TI Partners

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April 28, 2025

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When planning for retirement, many people believe that simply saving money in an account will be enough to ensure a comfortable future. However, this approach overlooks other essential factors contributing to a successful retirement strategy. Building a savings account is important but not the only step needed to secure your financial future.

A complete retirement plan involves more than just accumulating funds. It requires a thoughtful approach to investments, tax strategies, and risk regimes. Consulting experts, like those at firms such as Josh Jenkins Financial Advisor, can help you address all aspects of retirement planning and ensure your savings work as hard as possible for you.

Why Diversification Matters for a Strong Retirement Plan

Diversification is key to a strong retirement strategy. Depending on a single investment type exposes you to unnecessary threats. By spreading investments across different asset classes like stocks, bonds, and real estate, you reduce the risk of significant losses from market fluctuations.

A diversified portfolio helps offset poor performance in one sector with gains from others. Financial professionals can guide you in creating the right mix of assets based on your goals and risk tolerance, ensuring that your retirement savings remain protected and have growth potential over time.

How Tax Planning Can Boost Your Retirement Savings

Tax planning is often overlooked but is key in maximizing retirement savings. Understanding how different retirement accounts are taxed can help reduce future tax liabilities. Consider these strategies:

Traditional IRAs: Tax-deferred growth until withdrawals.
Roth IRAs: Tax-free withdrawals, but contributions are made with after-tax money.

By leveraging these tax strategies, you can retain more of your savings. Working with a financial advisor ensures your retirement plan is tax-efficient, ultimately increasing your income during retirement.

The Importance of Insurance in Your Retirement Plan

Insurance is a crucial but often overlooked part of retirement planning. As you near retirement, health issues or emergencies can have a significant financial impact. Without proper insurance, unexpected costs like medical bills or long-term care can deplete your savings.

Key types of insurance to consider:

Long-term care insurance to cover nursing home or in-home care costs.
Life insurance to provide for loved ones after you’re gone.

A financial advisor can help assess your needs and recommend the right policies to protect your savings and ensure a secure retirement.

Creating a Long-Term Retirement Strategy That Works

Creating a long-term retirement strategy requires careful planning and foresight. It’s not enough to focus solely on accumulating savings—your strategy must also ensure you have enough income to support your lifestyle throughout retirement. This involves considering factors such as inflation, unforeseen expenses, and changes in your income needs as you age.

An effective retirement strategy considers these elements to provide a sustainable plan for the future. By working with a financial advisor, you can continuously adjust your strategy as your goals and circumstances change. AdvisoAdvisor can help you review and adapt your plan over time, ensuring your financial future remains secure.

When planning for retirement, it’s crucial to remember that savings alone won’t ensure a comfortable future. A comprehensive retirement plan goes beyond simply saving money—it should include investment strategies, tax planning, insurance, and long-term goals. Working with a financial advisor, like those at a reputable firm such as Josh Jenkins Financial Advisor, can provide the expertise needed to navigate these complex decisions. With the proper guidance, you can create a retirement strategy that maximizes your savings, reduces risks, and offers you peace of mind as you approach retirement.

OmniRetail Secures $20M Series A to Scale B2B Commerce And Embedded Finance Across West Africa

By

Ojukwu Emmanuel

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April 28, 2025

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OmniRetail, a Nigeria-based start-up aiming to digitise traditional e-commerce through its suite of software products, has raised $20 million in series A equity funding round to transform informal retail in Nigeria and across Africa.

The funding round was co-led by Norfund and Timon Capital, with participation from ventures platform, Aruwa Capital, Goodwell Investments, and Flour Mills of Nigeria.

OmniRetail will use the capital to fuel regional expansion and enhance its embedded finance offerings. The new funding will also expand OmniRetail’s retailer base, introduce product categories like personal care and cold storage, and upgrade infrastructure and credit underwriting tools.

Also, the company plans to include a debt raise for inventory financing and strategic acquisitions to support its mission, building Africa’s largest profitable retailer network, simplifying the distribution and retailing of essential goods continent-wide.

Founded in 2019 by Deepankar Rustagi, OmniRetail digitizes the FMCG supply chain, serving 145 manufacturers, 5,800 distributors, and over 150,000 retailers across 12 cities. Its flagship app, OmniBiz, launched in 2020, enables retailers to order inventory, access working capital, and make digital payments, supported by a network of 1,100+ vehicles and 85 local logistics partners.

Complementary products include Amplify, a distributor-focused app, and OmniPay, an embedded finance platform processing $95 million monthly and disbursing $4 million in loans with a non-performing loan ratio below 0.5%. OmniRetail’s asset-light model has driven profitability, achieving EBITDA positivity in 2023 and net profitability in 2024.

In October 2024, OmniRetail purchased Traction Apps, a business payments platform based in Lagos, to bolster its point of sale (POS) and inventory management services for African SMEs. Traction provides full-stack payment capabilities, including POS terminals, PSSP and Super Agent licenses, and access to retailer-level sales data.

Announcing the deal, the company said the acquisition was to strengthen support for retailers, distributors, and manufacturers. For OmniRetail, the purchase allows it to gain a complete financial profile of each retailer, giving it even greater control over the supply chain and the ability to offer tailored financial solutions.

CEO Rustagi and Head of Investment Archit Bagaria attribute OmniRetail’s success to its deep understanding of the FMCG ecosystem. “The lack of transparency in retail has long hindered financial inclusion and efficiency,” Bagaria told TechCrunch. “Our ecosystem streamlines the value chain, addressing these gaps.”

Notably, OmniRetail’s asset-light strategy has been important in hitting profitability. In 2023, the Lagos-based B2B e-commerce platform became EBITDA positive. In 2024, it turned net profitable. OmniRetail’s model digitizes order management for 145 manufacturers, more than 5,800 distributors and services over 150,000 informal retailers across 12 cities in Nigeria, Ghana and Ivory Coast.

In November 2024, OmniRetail launched its 50th OmniHub franchise in Lagos, aimed at bridging supply chain gaps and boosting the distribution of fast-moving consumer goods across underserved Nigerian communities.

CEO Deepankar Rustagi highlighted the significance of the company’s expansion, describing it as a vital step in its mission to reshape FMCG distribution across Africa.

In the same month, the company unveiled its AI-powered micro fulfillment center, dubbed “OmniHub Franchise”, across Southwest Nigeria. With AI-powered predictive procurement, OmniHub offers manufacturers and our partners real-time visibility into inventory, optimized stock levels, and better product availability, which in turn reduces stockouts and improves supply chain efficiency.

This cutting-edge solution, according to the company, will help drive business growth while addressing critical challenges in the distribution landscape. OmniRetail mission is to build the largest profitable network of retailers in Africa, simplifying distribution and retaining of essential goods in Africa.

Exploring The Grayscale’s Decentralized AI Fund and Its Importance

By

Paul Ugbede Godwin

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April 28, 2025

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Grayscale Investments launched the Grayscale Decentralized AI Fund LLC on July 2, 2024, targeting accredited investors seeking exposure to decentralized artificial intelligence (AI) protocols within the cryptocurrency ecosystem. The fund focuses on three key areas:

Decentralized AI Services: Protocols developing services like chatbots and image generation, such as Bittensor (TAO).

Solutions to Centralized AI Issues: Protocols addressing challenges like deep fakes, misinformation, and bot authentication, including Filecoin (FIL) and Livepeer (LPT).

AI Infrastructure: Protocols supporting critical resources like decentralized data storage, GPU computation, and 3D rendering, such as Near (NEAR) and Render (RNDR).

As of September 27, 2024, the fund’s net asset value (NAV) per share was $9.50, with $1,462,249 in assets under management and 153,900 shares outstanding. The fund rebalances quarterly and currently holds a basket of five tokens: NEAR (29.7%), Filecoin (29.3%), Render (26.7%), Livepeer (8.7%), and Bittensor (5.4%). Since its launch, the fund has experienced volatility, with a 15.6% NAV drop over the past month and a 26.8% decline since inception, reflecting broader market fluctuations.

Grayscale’s Head of Product & Research, Rayhaneh Sharif-Askary, emphasized that blockchain-based AI protocols promote decentralization, accessibility, and transparency, potentially mitigating risks associated with centralized AI. The fund’s launch aligns with growing interest in decentralized AI, driven by the sector’s 222% growth in Q1 2024 and significant venture capital investments, such as Sentient’s $85 million raise in June 2024.

Decentralized AI refers to artificial intelligence systems that operate on decentralized networks, typically leveraging blockchain or similar distributed ledger technologies, rather than relying on centralized servers or entities. This approach contrasts with traditional AI, where data processing, model training, and inference often occur on centralized platforms controlled by single organizations (e.g., big tech companies).

Instead of a single server or cloud provider, decentralized AI uses a network of nodes (computers) worldwide to store data, train models, and run computations. These nodes are often incentivized through cryptocurrency tokens. Technologies like blockchain ensure transparency, security, and immutability of data and processes.

Data Sovereignty and Privacy

In decentralized AI, data can remain on users’ devices or be shared securely without centralized control. This reduces the risk of data monopolies and breaches. Techniques like federated learning allow models to train on distributed datasets without transferring sensitive data to a central server. Decentralized AI protocols are often governed by their communities or token holders, rather than a single entity. This promotes transparency and aligns development with user needs.

Governance decisions, such as protocol upgrades, are typically made through decentralized mechanisms like DAOs (Decentralized Autonomous Organizations). Participants in decentralized AI networks (e.g., data providers, model trainers, or node operators) are rewarded with tokens for contributing resources like computing power, data, or algorithms. This creates a marketplace where individuals and organizations can collaborate without intermediaries.

Decentralized AI reduces reliance on single points of failure, making systems more resistant to censorship, outages, or monopolistic control. It addresses concerns like bias in centralized AI models, deep fakes, or misinformation by enabling transparent and auditable processes. Protocols like Bittensor create decentralized networks for AI model development, where contributors share machine learning models and are rewarded based on their value.

Filecoin enables decentralized storage for AI datasets, ensuring data is accessible and secure without centralized control. Livepeer supports decentralized video processing, which can help authenticate content and combat deep fakes. Render provides decentralized GPU resources for AI tasks like 3D rendering or model training. Near offers infrastructure for scalable decentralized applications, including AI-driven smart contracts.

Benefits of Decentralized AI

Democratizes access to AI tools, allowing smaller entities or individuals to participate without needing massive resources. Open protocols and auditable processes reduce the “black box” nature of traditional AI. Distributed systems are harder to attack or manipulate compared to centralized servers. Encourages collaboration and experimentation through open-source, community-driven development.

Decentralized networks can face slower processing speeds or higher costs compared to centralized systems, especially for compute-intensive AI tasks. Developing and managing decentralized AI systems requires expertise in both AI and blockchain technologies. The intersection of AI and cryptocurrencies raises legal and compliance questions in various jurisdictions. Competing with established centralized AI providers (e.g., Google, OpenAI) requires significant ecosystem growth and user trust.

Why It Matters

Decentralized AI aligns with the ethos of Web3, emphasizing user empowerment, data ownership, and resistance to centralized control. It’s particularly relevant in addressing concerns about AI monopolies, privacy violations, and ethical issues in centralized systems. For example, decentralized AI can enable. Fairer distribution of AI benefits, especially in underserved regions. Protection against misuse of AI, such as surveillance or biased algorithms.

Collaborative innovation, where global contributors build AI without gatekeepers. Grayscale’s Decentralized AI Fund, launched in July 2024, invests in protocols like Bittensor, Filecoin, Livepeer, Near, and Render, which exemplify decentralized AI principles. These projects aim to create infrastructure and services that make AI more open, secure, and community-driven, countering the dominance of centralized AI providers. The fund’s focus reflects growing investor interest in this sector, driven by the potential for decentralized AI to reshape industries while addressing ethical and technical challenges.