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Citigroup’s Foray into Stablecoin Payment Services Reflects a Broader Trend of Institutional Adoption

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Citigroup is actively exploring the addition of payment services and custody for stablecoins, as well as custody services for cryptocurrency exchange-traded funds (ETFs).

This move is part of the bank’s broader strategy to expand into the digital asset space, driven by recent U.S. regulatory changes, particularly the GENIUS Act, which requires stablecoin issuers to back tokens with assets like U.S. Treasuries or cash.

Biswarup Chatterjee, global head of partnerships and innovation for Citigroup’s services division, indicated that the bank is prioritizing custody services for these high-quality assets backing stablecoins. Citigroup is also considering issuing its own stablecoin and is developing blockchain-based payment solutions, including tokenized U.S. dollar transfers for instant, 24/7 global transactions.

These efforts aim to streamline cross-border payments and compete with players like Coinbase, which currently dominates crypto ETF custody. Citigroup’s entry into stablecoin payment services and custody signals growing institutional interest in digital assets.

As a major global bank, Citigroup’s involvement lends credibility to stablecoins, potentially encouraging other traditional financial institutions to follow suit. This could accelerate mainstream adoption of cryptocurrencies, particularly stablecoins, which are seen as less volatile and more suitable for payments and settlements.

Citigroup’s move to offer custody for stablecoins and crypto ETFs challenges existing players like Coinbase, which currently dominates the crypto ETF custody market. Increased competition could drive innovation, lower fees, and improve service quality for institutional clients.

Citigroup’s blockchain-based payment solutions, including tokenized U.S. dollar transfers for instant, 24/7 global transactions, could disrupt traditional payment systems like SWIFT, which are slower and more costly. Stablecoin-based payments could reduce transaction costs and settlement times.

If Citigroup issues its own stablecoin, it could compete with major players like Tether (USDT) and Circle (USDC). A Citigroup-backed stablecoin would likely prioritize regulatory compliance, appealing to risk-averse institutional clients and potentially capturing significant market share.

The involvement of a reputable institution like Citigroup could boost confidence in stablecoins, addressing concerns about their stability and backing. This is particularly relevant given past controversies around stablecoin reserves (e.g., Tether’s transparency issues).

Institutional-grade custody services could mitigate risks associated with hacks and mismanagement, further stabilizing the stablecoin market. Stablecoins are becoming a cornerstone of the crypto market, with a total market cap exceeding $200 billion as of mid-2025 (based on recent trends).

The approval of spot Bitcoin and Ethereum ETFs in the U.S. has spurred demand for custody services, as institutional investors require secure storage for digital assets. Citigroup’s entry into this space aligns with the growing popularity of crypto ETFs, which saw inflows of over $17 billion in 2024 alone (per recent data).

Blockchain-based payment systems are gaining traction as alternatives to traditional financial infrastructure. Projects like Ripple (XRP) and Stellar (XLM) focus on cross-border payments, and Citigroup’s tokenized U.S. dollar transfers align with this trend.

Stablecoins are integral to DeFi, enabling lending, borrowing, and trading without the volatility of other cryptocurrencies. Citigroup’s involvement could bridge traditional finance with DeFi, potentially leading to hybrid financial products that combine the benefits of both systems.

The growth of DeFi, with total value locked (TVL) exceeding $100 billion in 2025, underscores the increasing relevance of stablecoins in decentralized ecosystems. While stablecoins offer stability, the broader crypto market remains volatile, with Bitcoin and Ethereum experiencing significant price swings in 2024-2025.

By leveraging its expertise in traditional finance, Citigroup could enhance the credibility and efficiency of stablecoin ecosystems, driving competition and innovation. The broader market is moving toward greater integration with traditional finance, with stablecoins and blockchain-based payments at the forefront.

The NFL’s high-tech stadiums continue to impress fans

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As discussed online in forums and on platforms like YouTube, the NFL’s population of American football fans is passionate about their sport. In the same way, soccer fans in the UK are tribal; the various NFL franchises in the league have loyal supporters behind them during an average season. These same fans also have world-class arenas to frequent, with some of the NFL’s high-tech venues being filled with state-of-the-art inclusions.

For fans who attend the biggest games on the calendar, these imposing sporting homes don’t just entertain the field. Catering to every type of supporter in the process, there is live music to listen to before the game starts, an array of food choices to sample, fans look at NFL odds while queuing up for the latest merchandise, and banners to display during some passionate chanting. Some high-tech inclusions supplement all this, although some stadiums feature more technology-based products than the rest.

So, with sports fans in America enjoying their favorite pastime in a selection of world-class arenas, we briefly highlight some of the NFL’s most high-tech stadiums, many of which highlight just how amazing the sporting landscape is.

SoFi Stadium

Home of the Rams and Chargers, SoFi Stadium tends to go down well with visiting fans. The home fans are also happy, with this unbeatable home possessing a whole host of plus points. This well-designed home is stunning and highly modern, from a huge ETFE translucent canopy with 302 panels to its amazing Infinity Screen suspended above the field. Rams and Chargers fans are undoubtedly lucky to call it their home.

Levis Stadium

If you’re lucky enough to experience San Francisco, you should consider visiting Levi’s Stadium. Home of the 49ers, this highly rated arena offers superb state-of-the-art technology, such as charging stations and giant screens, while also housing their Yahoo Fantasy Football Sports Lounge, which is packed full of impressive tools. A venue NFL fans tend to rave about, Levi’s Stadium is one of the top stadiums in America.

Sun Life Stadium

Home of the Miami Dolphins, the Sun Life Stadium is widely regarded as one of the most spectacular homes in the NFL. Sure, the fact that it’s in Miami works in its favor, given its lush surroundings. Still, this glorious home field also houses some high-tech inclusions, including various analytics tools around the stadium. With the help of IBM, the Dolphins’ hierarchy has added IBM Cloud, a platform that gives fans immediate access to scores, stats, and other up-to-date findings on their smartphone devices. These interactive tools are engaging and supplemented by alternatives like massive screens. Overall, the Sun Life Stadium is excellent.

AT&T Stadium

(Image via https://x.com/ATTStadium)

Despite losing the Super Bowl to the Eagles last season, the Dallas Cowboys are winning in their home stadium. AT&T Stadium has an abundance of innovative features, including a rotating 180-foot jumbo video board, a QR code in every seat so fans can access an array of offerings, and the largest-ever electronic retractable glass doors at each end zone. Overall, it’s special.

Allegiant Stadium

Las Vegas is known for its bright lights and its extravagance, making the Allegiant Stadium’s state-of-the-art design hardly surprising. The Raiders’ home has everything a fan could want, from 41 LED videoboards and over 2,550 displays to cashless turnstiles and a retractable grass field design. Overall, it’s an excellent space to watch football.

Riders in Atlanta Are Choosing Robotaxis Over Human Drivers, Signaling a New Era for Uber and the Gig Economy

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A quiet but telling shift is playing out on the streets of Atlanta. Some Uber passengers, given the choice between a human driver and a driverless Waymo, are deliberately refusing the human option — waiting longer, canceling trips, and re-requesting rides until a robotaxi appears.

What once felt like a futuristic experiment is now turning into a customer preference, and it may mark the beginning of a profound transformation in ride-hailing.

Since Uber introduced Waymo’s self-driving cars into its Atlanta platform in late June, residents like Nate Galesic have leaned heavily into the technology. He admits to declining trip after trip until the app assigns him a robotaxi, a habit he has repeated for more than 35 rides. As an assistant director for TV and film products, Galesic told BI he usually drives himself home after a long day on set. Not having to drive — or face judgment from a ride-hailing driver if he nods off along the way — is another benefit of autonomous vehicles, he said.

“I’ve always dreamt about the day when I could just pass out on the way to and from work,” Galesic told BI. “Now I can do that without the small talk.”

Another rider, Andrew Nerney, describes a similar approach: canceling multiple times until he finally lands a Waymo, even though most of his trips are short, under $12.

“Each day, I see Waymos with passengers more frequently,” he added, underscoring that this is no longer a novelty but an emerging preference.

The behavior captures a pivotal moment. For the first time, Uber’s customers are openly demonstrating that they would rather trust algorithms, sensors, and software than a gig worker behind the wheel. While Uber users cannot guarantee that they’ll get a ride in a Waymo in Atlanta, some are working the system to get paired with one.

The implications are enormous, not just for Uber but for the entire gig economy.

Waymo, Alphabet’s self-driving unit, has gradually expanded from its first commercial rides in Phoenix in 2017 to San Francisco, Los Angeles, and Austin, with a fleet of more than 1,500 fully driverless cars. Atlanta now joins that map, though for the moment Uber and Waymo only operate “dozens” of cars within a limited 65-square-mile zone. The companies say the fleet will grow into “hundreds” in the coming years, mirroring Austin, where about 100 are already deployed.

But what feels like progress for tech enthusiasts spells potential disaster for Uber’s drivers. Uber has long described its flexible labor model as a gateway to income for millions worldwide. If more riders follow Galesic and Nerney’s example — canceling human drivers to wait for robots — that workforce risks being pushed aside, with automation directly replacing people rather than complementing them.

Many believe that the early signs in Atlanta could be the “first crack” in Uber’s labor model. For Uber, autonomy has always been part of its long game. Labor is its single biggest cost, and replacing drivers with driverless cars is a way to lower expenses and eventually boost profitability.

Former CEO Travis Kalanick openly admitted the company’s survival depended on driverless cars. While the company now frames partnerships like the one with Waymo as “expanding choice,” the trajectory is clear.

But the transformation is far from complete. Robotaxis still face skepticism, safety concerns, and regulatory hurdles. Crashes involving autonomous systems have kept regulators cautious, and polls consistently show Americans are more uneasy than excited about self-driving technology.

Frank McCleary, a partner at consulting firm Arthur D. Little’s automotive and manufacturing practice, said deadly accidents involving self-driving vehicles are one reason that potential riders might be wary.

“That negative news cycle has sort of pushed some folks away from it,” he told Business Insider.

Yet for a growing number of riders, those hesitations are secondary to convenience. “New tech doesn’t become massively adopted overnight,” Galesic said. “But once you’ve experienced a driverless ride, it’s hard to go back.”

The long-term question is no longer whether Uber drivers will be replaced, but how fast — and whether the gig economy that reshaped modern work can survive this tech evolution.

U.S. Envoy Says Putin Open to ‘Article 5-Like’ Protection for Ukraine in Potential Peace Deal

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Washington is weighing what could be the most significant concession from Moscow since the war in Ukraine began.

U.S. special envoy Steve Witkoff said Sunday that Russian President Vladimir Putin has agreed to let the United States and European partners extend “Article 5-like protection” to Ukraine as part of a possible security guarantee aimed at ending the conflict.

“We were able to win the following concession: that the United States could offer Article Five-like protection, which is one of the real reasons why Ukraine wants to be in NATO,” Witkoff said in an interview on CNN. “It was the first time we had ever heard the Russians agree to that.”

NATO’s Article 5 obligates all members of the alliance to treat an attack on one as an attack on all, compelling collective defense measures. For Ukraine, which has long sought NATO membership as a shield against Moscow, the promise of such protection — even outside formal membership — would mark a historic shift.

European Commission President Ursula von der Leyen welcomed the U.S. announcement, saying the European Union “is ready to do its share.” Ukrainian President Volodymyr Zelenskyy also hailed the development as “a historic decision,” stressing that any guarantee must be practical, offering protection “on land, in the air, and at sea,” and must involve Europe.

The envoy’s remarks come just after President Donald Trump held talks with Putin in Alaska, meetings that the White House described as “productive” despite the absence of a ceasefire agreement. Trump had repeatedly called for a swift and lasting truce, but the summit ended without such a breakthrough, raising concerns in Kyiv and European capitals that the U.S. leader might soften Washington’s stance.

In the days since, Trump has insisted that “the best way” to end the conflict is through a comprehensive peace deal. Witkoff said the Alaska talks covered “almost all the other issues necessary for a peace deal,” though he declined to detail them, adding only that “we began to see some moderation in the way they’re thinking about getting to a final peace deal.”

Still, U.S. officials caution that a resolution remains distant. Secretary of State Marco Rubio said Sunday that while progress was made, “we’re still a long ways off” from a peace agreement. He warned Russia would face “additional consequences” if talks collapse, but argued against further sanctions for now.

“The minute you levy additional sanctions, strong additional sanctions, the talking stops,” Rubio said on ABC News.

However, the proposal stirs curiosity. If Putin truly accepted Article 5-style security conditions for Ukraine, it would contradict one of Moscow’s main justifications for its invasion: blocking Kyiv’s NATO aspirations. The Kremlin has repeatedly demanded that Ukraine abandon those ambitions and recognize Russia’s annexations of Crimea and large parts of eastern Ukraine.

Reports following Friday’s summit suggested Trump floated a deal in which Kyiv would surrender the Donbas region. Zelenskyy, however, has been adamant that Ukraine will never cede sovereign territory, saying doing so would breach the Constitution and embolden Russia to strike again.

“Everyone agrees that borders must not be changed by force,” he wrote on X.

With Trump scheduled to meet Zelenskyy and European leaders on Monday, discussions are expected to focus on what security guarantees should look like and how Ukraine could be rebuilt after nearly four years of devastating war.

“There has to be talk about what the territories are going to look like and what the border lines are going to look like at the end of this conflict,” Rubio said. “There has to be talk about how Ukraine is rebuilt, and how do you rebuild a country that’s been attacked as often as it has.”

For Kyiv, that rebuilding begins with assurances that the nightmare of invasion will not be repeated — and for now, Putin’s unexpected concession may be the closest it has come to that guarantee.

How SMEs Distribute Campaigns Across Devices

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Behind every campaign is a strategic choice. Which devices and operating systems should businesses prioritize to maximize impact? A recent dataset analyzing campaigns across small, medium, and enterprise businesses provides fascinating insights into how organizations allocate their efforts between Android, iOS, and Windows devices across global regions. The results show an unexpectedly balanced playing field and important lessons for digital marketers.

A Global Equilibrium

At the global level, campaigns are strikingly evenly distributed: Android accounts for 33.0% of all campaigns, iOS 33.7%, and Windows 33.4%. This near-perfect balance suggests that, despite the varying strengths of each ecosystem, businesses see value in diversifying their outreach rather than committing to a single platform. In other words, successful digital strategies are less about platform loyalty and more about platform inclusivity. Individuals interact with brands across multiple devices and ecosystems, and businesses are adapting accordingly by meeting them wherever they are.

Regional Insights

While the global picture shows balance, regional trends reveal the strategic nuance in campaign planning. In Africa, iOS takes the lead with 34.7% of campaigns, slightly ahead of Android and Windows, indicating marketers view iOS users as a premium audience. Asia-Pacific shows almost mathematical equality across platforms, reflecting the need for inclusivity in a highly diverse region. Europe skews slightly toward Android and iOS, signaling a mobile-first mindset, while North America sees Windows edge out the competition, pointing to enterprise campaigns aligned with workplace productivity. South America mirrors Africa with a tilt toward iOS, again emphasizing the pursuit of higher-value consumers.

Business Size and Strategy

These regional differences connect closely to the size and nature of businesses. Small businesses often concentrate on platforms where engagement translates most directly into sales, which explains iOS’s stronger share in regions where premium consumers dominate. Medium-sized firms, in growth mode, may pursue balanced strategies to test the best-performing platforms. Enterprises, with greater resources, tend to spread campaigns broadly but lean into Windows in professional contexts, especially in North America. The choices businesses make reflect not just platform availability but the perceived value of audiences in each market.

Lessons for Marketers

From this distribution, several lessons emerge. Diversification is essential: excluding one platform risks losing a third of potential reach. Regional strategy matters; what works in one region may fail in another. Business size shapes priorities, SMEs and enterprises differ in how they allocate campaigns, and marketers must adjust their guidance accordingly. Audience behavior is the ultimate driver. iOS may attract premium consumers, Android offers breadth of reach, and Windows represents productivity-oriented users. Aligning campaign objectives with these user profiles is critical for ROI.

The big question is whether this balance will hold in the years to come. As ecosystems evolve, businesses may shift their allocations: Windows strengthening mobile integration, Android expanding in emerging markets, and Apple reinforcing its premium positioning. Yet, one principle will remain constant: digital campaigns succeed when they reflect the complexity of real consumer behavior. For today’s marketers, the takeaway is clear. Balance your bets, respect regional differences, and meet your audiences wherever they are. In a digital landscape defined by diversity, inclusivity across platforms is not just wise, it is the foundation for long-term success.