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Housekeeping:
Monthly Q&A: Saturday, November 26th - 8am pst / 11am est. Join us and the TW&C community for a round table discussion about the news, markets, etc. All questions welcomed! Cost is $10. Register here: https://tinyurl.com/4xz4b3be

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In today's news:

What is the difference between Centralization and Decentralization?

Centralized Crypto Exchanges:(CEX) are managed by one organization. Centralized exchanges make it easy to get started with cryptocurrency trading by allowing users to convert their fiat currency, like dollars, directly into crypto. Some examples of Centralized exchanges include Coinbase, Binance.US, Crypto.com, Krakken, Gemini, and Uphold.

Decentralized Exchanges: (DEX) Type of cryptocurrency exchange which allows for direct peer-to-peer cryptocurrency transactions to take place online securely and without the need for an intermediary. Some examples of a DEX include Uniswap, Pancake Swap, Sushi Swap, Kucoin, Tradeogre, and Bitrue

Decentralized Soft Wallets: Cryptocurrency software wallets enable crypto holders to securely store their digital currencies and tokens in one place. Metamask, Safepal, Trust
Wallet, Atomic Wallet and Exodus.

What is DEFI?

In the U.S., the Federal Reserve and Securities and Exchange Commission (SEC) define the rules for centralized financial institutions like banks and brokerages, which consumers rely on to access capital and financial services directly. DeFi challenges this centralized financial system by empowering individuals with peer-to-peer digital exchanges.

DeFi eliminates the fees that banks and other financial companies charge for using their services. Individuals hold money in a secure digital wallet, can transfer funds in minutes, and anyone with an internet connection can use DeFi.

JP Morgan even said while the news of the collapse of FTX is empowering crypto skeptics we would point out that all the recent crypto collapses in the crypto ecosystem have been from centralized players and not from decentralized protocols.

Its time to take your crypto journey to the next level!

Just beginning a Pilot of a Digital dollar or not letting the FTX Crisis go to waste? Or was it planned? Things that make you go hmmmm.....

https://www.investing.com/news/stock-market-news/banking-giants-and-new-york-fed-start-12week-digital-dollar-pilot-2944817

Where are we with the adoption with Carbon Credit Scores? Well lets take a look at the Commonwealth Bank of AU
https://www.commbank.com.au/about-us/sustainability-hub/cogo.html

As part of this partnership we are giving customers the option to access their carbon footprint via the CommBank app and offset their previous month’s transaction by purchasing the benefits of carbon credits.

https://www.business2community.com/nft-news/nike-launches-new-metaverse-experience-swoosh-on-polygon-02572044

Nike Launches New Metaverse Experience '.Swoosh' on Polygon
The luxury sportswear brand Nike has launched .Swoosh, a new web3 platform offering virtual apparel and NFT-based products on the Polygon.

MFS Africa—a leading fintech with the largest mobile money footprint in Africa—has partnered with Ripple to streamline real-time mobile payments for their customers across 35 countries. BOOM!!!

https://ripple.com/insights/a-win-for-financial-inclusion-in-africa/?utm_campaign=&utm_medium=organic_social&utm_source=facebook,linkedin

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This content is being offered for your consideration only. Lean into the information shared here, and take what resonates. We each have our own way and we are not financial advisors.

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