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Sule Hair Transplant Clinic Highlights Turkey’s Success in Hair Transplantation

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Europe, confronting the highest incidence of hair loss worldwide, is seeing a notable trend of individuals heading to Turkey for hair transplantation procedures. Şule Ölmez, the visionary behind Istanbul’s Sule Hair Transplant Clinic, discusses Turkey’s leading role in this medical field, based on her vast experience with international patients.

The increasing problem of severe hair loss in Europe is leading many to choose hair transplantation. Turkey, home to clinics visited by thousands of health tourists from across the globe, has become a top European choice. Şule Ölmez, a leading woman in the field and the force behind her clinic in Istanbul, stated, “We offer hair transplantation and dental treatment services to thousands of patients from all over the world, especially those coming from the European countries.”

The Prevalence of Hair Loss Across Europe

Research points to a growing issue of hair loss in Europe, with eight of the ten most impacted countries being European. The Czech Republic, followed by Spain, Germany, France, and the UK, are at the top of this list. Turkey has emerged as a popular destination for those seeking a permanent solution, known for its competitive prices and globally recognized services.

Şule Ölmez Speaks on Turkey’s Stature in Hair Transplantation

“Turkey has become a hub for hair transplantation with its superior success rates and quality services worldwide. We also contribute to this success with our high standard services that prioritise patient satisfaction.”

A 99% Rate of Patient Satisfaction

“Our clinic has seen a 99% satisfaction rate in hair transplantation, demonstrating our commitment to customized treatments and superior care. We see our patients as family members, which enables us to create individualized treatment plans to meet their specific needs and wishes.”

Service Quality is Paramount

Emphasizing her clinic’s focus on quality, Şule Ölmez said, “Although we perform fewer operations, we prefer to provide a higher standard of service in each procedure. Our comprehensive care extends beyond the operation to the recovery phase, assuring our patients of their safety and comfort.”

Merging Medical Procedures with Tourism

Şule Ölmez highlights the added advantage of combining medical procedures with tourism for foreign patients. “Patients who come to Turkey need to stay for 4 days to complete various procedures. Since hair transplantation process has already been completed in this process, they could use their remaining time by visiting Istanbul. So much so that this opportunity increases the attractiveness of our clinic for European citizens who visit Istanbul the most. We make the most suitable plan for our patients according to the hair transplant package they choose. For instance, in the all-inclusive hair transplant package, we arrange the airport transfer and accommodation. In order for each of our patients to leave Turkey satisfied, we accompany them from the first meeting to the completion of the recovery process. In this way, we make hair transplantation process a pleasant trip while ensuring that they return to their country happily.”

MyTelly.co.uk: Transforming UK TV Listings

WELCOMING THE ALL-INCLUSIVE UK TV GUIDE: mytelly.co.uk

On TV Tonight, an esteemed TV listings website popular in the USA, Canada, and Australia, is proud to announce the UK launch of the reimagined ‘MyTelly.co.uk’.

MyTelly.co.uk is introduced as a holistic UK TV Guide, helping TV aficionados in the UK navigate legal viewing options for TV and movies. The site provides a single destination for searching across free TV, subscription-based services, and on-demand platforms.

Enhancing the user experience, MyTelly.co.uk enables registered users to personalise their viewing choices, including channels and streaming services, with efficient tools for filtering for free shows or finding timeless classics.

Moreover, MyTelly.co.uk offers an Alert email service for registered users, keeping them updated on the airing times of their favourite series or movies.

Glen Murphy, MyTelly.co.uk’s manager, is optimistic about the UK’s response to the site, given its growing popularity in other regions.

“We can’t wait to further cater for the TV needs of viewers throughout the UK with MyTelly.co.uk.”

“We started On TV Tonight ten years ago with the simple mission of providing an easy dip-in dip-out guide to what’s on TV. Little did we know it would quickly enter into the favourites folder of so many TV fans worldwide.”

“Now with the growing popularity of on-demand streaming services, particularly in the UK, we think we’ve now created something really special to cater for the viewing needs of TV fans in the UK.”

MyTelly.co.uk currently offers a vast range of listings for the most popular free and subscription TV channels and streaming services in the UK, with plans to expand its offerings.

Discover the MyTelly.co.uk TV Guide at: mytelly.co.uk/tv-guide/

Working: Secure, Simple Crypto Lending Is What Will Take Decentralized Assets To A Global Audience

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Heading into 2024, it’s hard to ignore the fact that the cryptocurrency market has become a an integral part of the broader financial system stage. With an estimated 420M holders of cryptocurrency worldwide, and Bitcoin being successfully adopted by nations and traditional financial institutions alike, it’s clear that we are only in the early innings of a larger paradigm shift that will rework the global economy.

Crypto assets have grown to a combined valuation of >$1.5 Trillion, and it has minted a lot of new millionaires in the process. These investors have seen the value of their assets skyrocket! Naturally, as everyone else – they’d like to access their wealth without having to sell their best-performing asset. To do that, they need lending services.

Lending is a key tenet of a financial economy, and people around the world are making use of crypto loans in a variety of real world situations. From veterinary bills to mortgage applications, users globally are harnessing crypto loan products to make the most of their Bitcoin wealth, without having to sell it and create a taxable event.

The recent uptick in crypto loans is due to a number of factors. The space as a whole has recovered from the significant collapse related to the infamous FTX/SBF fraud and bankruptcies, and crypto lending products are being developed and improved in a way that addresses safety and legitimacy.

For example, one major crypto lender has announced the launch of custodied crypto loans. This means the collateral that users put up will be held securely by qualified custodians and banks – as opposed to rehypothecated as part of yield generation strategies.

Ledn is the team releasing the retail custodied loan product for clients globally.They’ve issued nearly $5BN worth of crypto loans to retail and institutional borrowers since inception in 2018. They’ve done so by delivering a simple user experience, with best-in-class transparency and risk management. Among Ledn’s differentiators are its ongoing Proof-of-Reserves protocols, its Open Book reports, and the ringfencing of its lending activitiy risk. This is a testament to the fact that crypto investors need and want lending services, and they can be offered responsibly. Ledn is also backed by world class investors including 10T Holdings, Coinbase, Kingsway, White Star & more. 

This is the type of initiative that will help transform the digital asset space into a global industry, allowing it to stand shoulder to shoulder with legacy finance. In 2024, we will begin to truly see this vision come to life.

IRISH MEN’S HEALTHCARE BRAND SONS SECURES €6.75M INVESTMENT

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Innovative men’s healthcare brand Sons, has closed a €6.75 million investment to continue its mission to inspire men to prioritise their health, making treatments like hair loss more accessible and socially accepted.

Led by The Davy EIIS Fund and a consortium of private investors, supported by Wayflyer and AIB, the new funding positions Sons for unprecedented growth and solidifies its commitment to becoming the number one men’s healthcare brand in Europe. The investment will help to propel Sons toward its ambitious goals, including doubling business growth every year since launch, securing the number one retail category position in the UK and Ireland, scaling operations in Germany with recent pharma license approval, and entering a fourth European market.

Sons’ founders Will Kennedy and Dr. Adrian Gilbane, driven by their personal experiences with hair loss, disrupted the industry in 2020 by challenging traditional in-clinic models. Operating in the healthcare sector with a modern lifestyle brand ethos, Sons is set to reshape men’s hair loss solutions with easy-to-use and effective treatments for hair loss plans that challenge norms, encouraging men to prioritise their health and reshaping the arenas of hair loss and other stigmatised conditions like dandruff. A percentage of every sale supports the mental health charity CALM, and Sons’ products are 100% carbon neutral.

The subscription-based company has treated over 100,000 men across Ireland, the UK, and Germany and records a monthly revenue of over €1 million. With a 5% market share in the UK and Irish Markets, it expanded its presence through retail partnerships and distribution channels this year, including Superdrug listings.

Will Kennedy, Co-founder & CEO of Sons, said: “The men’s health and personal care market has a long way to go in terms of being socially accepted and normalised, and the journey is just starting for us. We are committed to challenging norms and encouraging men to prioritise their health.”

Medical Director, Dr Knut Moe said: “Hair loss has become more topical in recent years, with more men looking for treatments to maintain and even regrow their hair. Sons is licensed for two of the most effective medical treatments for male pattern hair loss and with the introduction of every new product, we are challenging the possibilities of what can be achieved”.

Sinead Heaney, Director BES Management DAC, the Manager of the Davy EIIS Fund and Partner at BDO Ireland, said: “We are delighted to be supporting Sons’ ambitious growth plans. We have been hugely impressed by Will, Adrian, and the wider team and the success achieved to date. We look forward to assisting them to further grow and internationalise the business.”

New Employment Legislation Provides Greater Flexibility For Home Working

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The new Employment Relations (Flexible Working Act 2023), which comes into force in 2024, will offer employees greater flexibility in their working arrangements with employers being expected to consult with them on their request providing a response within two months instead of the previous three.

Workers will be able to ask for flexibility on how, where and when they work and be permitted to make two requests a year – an increase from the current single annual request.  It was suggested that this right would be available from the first day of employment, however currently it has remained that a request can only be made after 26 weeks of employment.

Furthermore, employees will no longer need to set out in their application the effect of their request on their employer’s business or how that could be dealt with.

Kerry Hudson, Solicitor, Personal Injury and Employment at Coventry & Warwickshire Solicitors Brindley, Twist, Tafft & James, said that whilst the changes affect the entitlement to make a flexible working request, and that a consultation would need to be had, the considerations the employer must bear in mind have not materially changed. A company can still refuse a worker’s request for flexible arrangements, particularly if it is not viable, or even detrimental to a business.

But with British business and industry facing ongoing problems with staff retention, Kerry said most businesses today are willing to accommodate such requests in order to keep valued staff and avoid the expense of finding a replacement.

A report out earlier this year from global HR and payroll company Remote showed employee turnover in the UK and US had increased by nine per cent since 2019 – the last full year before the pandemic. In the UK it now stands at 35.6 per cent.

Hybrid and remote workers in the UK were the least likely to look for new roles, at 38 per cent, compared to in-office workers (43.7 per cent).

The report added that the recruitment of a new employee takes an average 40 days while the cost incurred to a business is an average 34.5 per cent of the new employee’s salary.

Kerry said that although businesses didn’t legally have to agree to an employee’s request for flexible working, they did need to be mindful of other pieces of legislation such as the Equality Act 2010.   For example, if a request is made from an employee suffering from chronic fatigue syndrome for home working for some/all of their working week and it is not agreed, if the condition amounts to a disability, could the fact that the flexible working request being turned down be grounds for a failure to make reasonable adjustments and a claim for discrimination.

Similarly, a mother’s request when coming back from maternity leave for reduced hours is denied, could it amount to discrimination?

A genuine attempt to consider the request together with consideration given for any possible compromise should be provided and the employer should be prepared to evidence that.  A proper reason needs to be advised as to why the request, if it can’t be agreed, should be set out.

Kerry advised any new agreement should be formalised in writing, in many cases drawing up a new contract of employment outlining the varied terms and signed by both parties.

Kerry said: “The retention of staff is notoriously difficult at the moment so many employers are trying to accommodate their employees and are offering flexible working.

“Where there has been a variation of terms, we would always advise formalising it. As an example, there may be a case where an employee is asked to return to the office full time, and even though it’s not in their contract argues that it’s an implied term they work from home on Fridays because they’ve done it for the past year and nobody has said anything.  If contract terms are set out in writing, it’s always much easier.”

For further details on BTTJ log on to www.bttj.com

Market Making in Crypto: Maker’s and Taker’s Roles

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Substantial supply and demand underlie every efficient market, be it traditional stocks or digital assets. The balance between supply and demand is not always achieved organically – very often, markets require help in providing liquidity to be able to conduct orders quickly and at a fair price.

The higher the market’s liquidity, the more favorable conditions it has for traders, and the lower the risks are. That’s especially important when it comes to institutional crypto trading. Companies and financial firms that join this sector require a much higher liquidity level compared with retail traders. To provide this level and ensure a smooth and robust trading environment, when traders can transact large amounts easily, a crypto exchange creates a market maker trading platform. In this article, we will discuss the essence of marker making and maker-taker roles in it.

Who is a Market Maker in Crypto?

A maker is a trader who participates in a crypto market-making program and steadily places orders on an order book at a specific price and quantity, thus ensuring their readiness to buy or sell assets at any time. Then, a maker waits for his order to be matched (by a taker), and when it happens, the maker earns from the buy-sell price difference. Makers are usually charged lower transaction fees, for they contribute to a trading platform’s liquidity.

Benefits of market making:

  • reduced bid-ask spread;
  • enhanced market liquidity;
  • fair price formation;
  • stable demand and supply;
  • lower transaction costs;
  • more attractive markets.

Many market makers use algorithmic trading strategies to automate order placement and execution. This allows for efficient and rapid adjustments to changing market conditions and fulfilling hundreds or even thousands of transactions per day.

The Taker’s Role in Crypto Market Making?

While makers make the market and provide liquidity, takers take liquidity. They don’t wait for an order to be matched – they use existing orders from the order book, thus reducing liquidity. So takers are makers’ counterparts, looking for orders to be executed immediately. Takers usually pay higher fees compared with makers. Such a fee policy encourages the market participants to become makers and provide liquidity rather than fulfilling existing orders.

Conclusion

Cryptocurrency market making plays a central role in providing liquidity and smooth trading processes on trading platforms. Makers’ and takers’ actions are entirely opposite: maker works on pouring liquidity into the market, while takers take that liquidity out of trading orders. Both roles are essential for a healthy trading environment.

Banking on Your Home: Choosing the Right Lender for Your Mortgage

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Choosing the right lender for your mortgage is a crucial step in your homeownership journey. It’s not just about securing a loan; it’s about finding a financial partner who understands your unique needs and goals. In this article, we’ll guide you through the process, from understanding your mortgage needs to selecting the perfect lender for you.

1. Introduction

Embarking on the journey of homeownership is exciting, but the path to finding the right mortgage lender can be daunting. This guide aims to simplify the process, ensuring you make an informed decision that aligns with your financial aspirations.

2. Understanding Your Mortgage Needs

Before diving into the sea of lenders, take a moment to reflect on your financial goals and the type of mortgage that suits your needs. Are you looking for a fixed-rate mortgage, an adjustable-rate mortgage, or a government-backed loan? Understanding your requirements is the first step in the decision-making process.

3. The Role of Mortgage Brokers

Mortgage brokers act as intermediaries between you and potential lenders. Their expertise can streamline the process, potentially saving you time and money. Discover the advantages of utilizing a mortgage broker and how they can be instrumental in finding the best mortgage deals.

4. Researching Lenders

Not all lenders are created equal. Dive into the world of lenders by researching interest rates, terms, and customer reviews. We’ll provide a comprehensive guide to help you navigate the sea of options and make an informed choice.

5. Local Focus: Mortgage Brokers in Melbourne

In Melbourne, the local touch is crucial, especially when it comes to mortgage broker services. Explore the benefits of partnering with knowledgeable mortgage brokers in Melbourne who understand the intricacies of the local market. Their expertise in mortgage broker services in Melbourne can make a significant difference, ensuring you find tailored solutions that suit your financial needs.

 

6. Comparing Loan Offers

With a plethora of loan offers available, it’s essential to compare them meticulously. We’ll share a checklist to guide you through the process, ensuring you consider all aspects of each loan offer.

7. Factors to Consider

Beyond interest rates, various factors play a role in selecting a lender. Uncover the hidden charges, penalties, and customer service quality that can significantly impact your borrowing experience.

8. Building a Relationship with Your Lender

Your relationship with your lender extends beyond the transaction. Discover why a strong borrower-lender relationship is crucial and how communication and support can ease the loan process.

9. Flexibility and Customization

Not all borrowers fit the same mold, and neither should your mortgage. Explore lenders offering flexible terms and customizable solutions tailored to your financial situation.

10. Pre-Approval Process

Understanding the pre-approval process is key to a successful home-buying journey. We’ll guide you through the steps, explaining the significance of pre-approval and how it positions you as a serious buyer.

11. Navigating the Application Process

Applying for a mortgage involves specific steps. Gain insights into the application process, from gathering documentation to submitting your application. Tips for a seamless experience await you.

12. Common Pitfalls to Avoid

Learn from the mistakes of others. We’ll highlight common pitfalls to avoid when choosing a lender, ensuring you navigate the process with confidence and make sound decisions.

13. Success Stories

Draw inspiration from real-life success stories. Discover individuals who made informed decisions in selecting their mortgage lenders and how it positively impacted their homeownership journey.

14. Conclusion

As we wrap up this guide, remember that choosing the right lender is not just a financial transaction; it’s a partnership. By following the steps outlined in this article, you’ll be well-equipped to navigate the complexities of selecting the perfect lender for your mortgage.

15. Frequently Asked Questions (FAQs)

  • What is the role of a mortgage broker in the home-buying process?
    • Explore how mortgage brokers act as intermediaries and simplify the loan process.
  • Why is local expertise important when choosing a mortgage broker in Melbourne?
    • Understand the advantages of working with a local mortgage broker familiar with the Melbourne market.
  • What are the critical factors to consider when comparing loan offers?
    • Delve into the key factors, including interest rates, fees, and customer service.
  • How does the pre-approval process benefit homebuyers?
    • Learn the significance of getting pre-approved and how it strengthens your position as a buyer.
  • What are common mistakes to avoid when choosing a mortgage lender?
    • Discover pitfalls and get tips on steering clear of potential mistakes.

Navigate the intricate landscape of mortgages with confidence. Consult with the seasoned professionals at Our Top 10 to identify the preeminent mortgage broker Melbourne offers.

Technology & The Human Touch: Welcome to Customer Service in the Digital Age

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There is a general consensus that the human touch is gradually being removed from modern-day customer service. When individuals who hold this belief are asked why they think this is happening, technology tends to be the culprit. There is a feeling that physical locations are becoming less and less common, thus removing direct human contact. Moreover, many businesses are choosing to employ artificial intelligence in the form chat-bots to take the place of actual humans, making it impossible to even have a conversation on the phone.

While it is difficult to argue with these points, it would be incredibly naive to think that customer service could remain the same in the digital age. The key here as a business is to strike a balance. You need to take advantage of the transformative technologies that are readily available, while still providing customers with the feeling that they are actually being listened to on a human level. As a result of this new phenomenon within the business world, we decided to put this article together in order to introduce you to the ideal approach to customer service in the digital age when it comes to communication.

A Customer-Centric Approach

Despite new technologies completely revolutionising what it means to do business, there are some things that simply do not change. Customer centricity is the ability of people within a business to understand their customers’ situations, perceptions, wants, needs, and expectations. While technology has meant that these have changed, technology can also help make sure that you attain the standards required in the modern age.

In a sense, customer service today is somewhat of a paradox. People want to be able to find the information they need on their own, so you need to ensure that you have a clear and concise website and/or social media presence. However, they also want to be able to talk through something with a representative on the occasions that they require further, personalised assistance.

By providing a click to call software on your website, you are bringing your business into the 21st century. A click-to-call widget simplifies everything for the customer in terms of communication. With just one click, customers are able to initiate a phone call directly from your website or application. 

This will encourage visitors to request a call, after which they will be connected with the first available customer service agent. When we said that some things don’t change, putting the customer first and making it as simple as this is what we meant. Moreover, the business will benefit by attracting new customers in the process.

By removing the hassle of manually dialling a phone number and then waiting for a consultant to answer, you are making the most of modern-day technology, and catering to the needs and wants of digital natives, all while reintroducing the human touch to your business’s customer service experience. 

The Bottom Line

It is this blend if technology and personalization that can set a company apart in this new era of business. 

The customer will be happy with their catered service, and the business can start increasing both their leads and their revenue in an instant.

5 Little-Known Casino Facts Revealed

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The dazzling world of casinos, famous for its exciting atmosphere and big win potential, has more to it than meets the eye. From the iconic Las Vegas Strip to Monte Carlo and even in the digital sphere at Luck online casino, here are five less-known but fascinating facts about casinos:

  1. The World’s Smallest Casino in a London Cab: Defying traditional casino grandiosity, a London taxi serves as the smallest casino globally, featuring gaming tables, a dealer, online betting, and a bar.
  2. The Sandwich’s Unexpected Casino Roots: The humble sandwich we enjoy today has its origins in a casino. John Montagu, the 4th Earl of Sandwich, during a long casino stint in 1765, asked for a simple meal, leading to the creation of the sandwich.
  3. Slot Machines: Initial Gum Dispensers: Slot machines, now synonymous with gambling, began as gum dispensers, with fruit symbols indicating the gum flavour to be awarded during the US gambling ban.
  4. Casinos: Profits Through Mathematics: Dispelling misconceptions of unfair practices, casinos actually rely on mathematical concepts like the “house edge” to secure profits, as seen in European Roulette.
  5. The Online Casino Industry’s Early Beginnings: Online casinos, which seem like a recent phenomenon, date back to 1994 with the advent of Microgaming’s first gambling software, laying the groundwork for the online casino sector.

These facts offer a unique insight into the hidden side of the casino industry. Whether you’re a seasoned gambler or simply curious about casino culture, these revelations uncover a world often veiled in glamour and excitement. As always, engage in gambling responsibly for a safe and enjoyable experience.

Navigating the Aftermath: Crucial Steps to Take in the Wake of a Data Breach Crisis

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Businesses and individuals alike are at a growing reach of having their data compromised. Recent statistics from IT Governance reveals a concerning trend, with reported security breaches increasing by 11% from 1,120 cases in 2020 to 1,243 cases in 2021. These breaches have exposed a staggering 5.13 billion records containing sensitive information. This is, in part, due to the fact that organisations and private citizens can both be vulnerable to data breaches.

So, what should you do if you find yourself in this situation? Following a data breach, it’s vital to take immediate action to protect your interests.

Data protection responsibility for organisations

In the UK, the responsibility for safeguarding personal data privacy and enforcing data rights in the public interest lies with the Information Commissioner’s Office (ICO). The ICO is tasked with enforcing the Data Protection Act 2018, which closely aligns with the EU’s General Data Protection Regulation (GDPR). This legislation lays out specific principles that organisations, businesses and government bodies must follow when handling personal data.

The ICO places responsibility on data holders and is the first port of call for those whose data has been breached. Once the ICO has been notified, further legal action can be taken.

Reporting a data breach

By law, any data breach must be reported to the ICO within 72 hours of discovery. This is a critical step in initiating a thorough investigation by the ICO to identify the root cause of the breach, and ensure that all parties have fulfilled their legal obligations. Failing to report a breach promptly may reduce the chances of recovering lost personal data.

However, it’s advisable to consult legal professionals, as they can ensure a comprehensive investigation of the breach and protect your rights as a data subject. This will also provide you with a better understanding of your rights if a data breach is confirmed, increasing your chances of receiving compensation if the organisation responsible for your data is found to be at fault.

Documenting the data breach

Keeping a detailed account of the incident is essential for those who plan to or later decide to make a data breach claim, as this documentation will serve as valuable evidence during the process. The ICO requires records that include a timeline of events, details of individuals involved, and the corrective actions taken in response to the breach.

Any reports generated by investigating bodies can substantiate the claim, but you will need to show the impacts that the breach has had on you in order to get the right amount of compensation for your losses.

Containing data breaches

As soon as the breach becomes known, the organisation responsible must take immediate steps to recover the data and prevent future breaches. This could involve requesting the removal of shared critical information, identifying the source of the breach, and remotely wiping stolen digital assets.

Depending on how the organisation conducts itself in this phase, the impacts on individuals may be made worse, and this can leave the organisation further liable for legal action.

Understanding your legal rights

If you suspect that your data has been mishandled or inadequately secured, it is essential to alert the relevant organisation so that they can take corrective action. If you are not satisfied with their response or believe that further action is necessary, you should report the matter to the ICO.

Under the Data Protection Act 2018, if an organisation breaches data privacy regulations and causes you harm, you have the right to file a compensation claim. It’s important to note that you do not have to go through the ICO or wait for the conclusion of its investigation to file a claim directly against the responsible organisation.

Compensation claims

Organisations can be held accountable for data breaches, particularly those involving sensitive data such as financial or medical information. In such cases, you should seek legal advice from experts specialising in data breach claims to assess the strength of your claim.

While the ICO can investigate data breaches and establish legal responsibility, a favourable ICO verdict that the other party misused your data can significantly bolster your compensation claim, even though it may involve a lengthy process.

If you have suffered tangible losses due to a data breach, you have the option to file a claim directly against the responsible organisation. However, keep in mind that organisations may try to downplay their data security obligations or withhold information. Therefore, seeking legal guidance from experts in data breaches ensures that your rights are upheld and your claim is thoroughly investigated.

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