If you look at trends in the equity release market over the past few years, you wouldn’t be surprised to learn that 80% of advisers predicted further industry growth in 2022. 60% of these advisers, who participated in research, believed the industry would return to normal trading, while 20% expected rapid expansion. Only 1% felt that trading would be affected in 2022 due to COVID-19 restrictions.

Equity release has never been cheaper, safer, or more flexible, and most believe that more of the same is still to come.

More from the Expert Advisers

Nearly half (47%) of advisers stated they had received more consumers proactively contacting them about rebroking, indicating that customers are increasingly aware than ever before of the market’s wider product developments that provide them with a variety of options on how to finance their retirement.

When asked to order product features in terms of their clients’ importance, three-quarters (75%) of advisors cited competitive interest rates as the most essential.

Fixed early repayment charges and the option to make penalty-free payments were highly rated by borrowers as essential. Second and third place went to fixed early repayment charges and the ability to make penalty-free payments, respectively.

Over half of advisors (51%) reported that inheritance protection was their clients’ least important issue, suggesting that customers are comfortable with the decisions they’ve made regarding housing equity and the amount they can leave loved ones.

What is the Equity Release Industry Worth?

According to the Equity Release Council’s Q3 annual report, the equity release industry will have reached 4bn in 2021. This is for the first time in the history of equity release. In line with predictions, this figure is likely to be beaten in 2022.

How Has Growth Impacted the Equity Release Industry?

Since the Equity Release Council formation in 2021, the industry has rapidly expanded, with more lenders and plans popping up on the market. This has meant further competition and a greater need for innovation to stand out from the crowd.

As a result, equity release fixed interest rates are lower than ever. Past interest rates were around 6.5%, but 2021 saw rates sitting as low as 2.3%. They did slightly increase towards the end of 2021, so there’s room for them to drop again in the new year.

Industry growth has also meant more flexible products. According to Jason Stubbs, specialist in equity release sector at EveryInvestor, equity release lenders are dropping the cost of equity release products and offering freebies, like a free valuation and cashback. Some equity release companies even have free in-house advisers.

In Conclusion

As more and more lenders offer flexible and sustainable plans and the Equity Release Council’s continual commitment to the industry, the array of available equity release products is likely to expand. With an economic crash surrounding the industry, there’s no wonder that more and more retirees are looking at their assets to access cash wealth.

Whether a home reversion scheme or a lifetime mortgage, equity release was one of the best ways to access retirement income in 2021 safely. Will 2022 bring the same? According to expert advisers, the answer is yes.

Introduction

Now Virtual Currency is nothing but electronic money that can be only transacted through electronic means, like through your cell phones through the internet or over a network.

Any currency that can be transacted through all of the above mediums is called Virtual Currency, now Is Cryptocurrency also a virtual currency? Yes! Cryptocurrency is also the Virtual Currency that can be transacted using digital wallets, exchanges and DEX platforms.

So, why are we discussing Virtual currency? The answer to this question is that for understanding the new set of financial worlds, it is important to know about the specific elements that combine to envision a new economy. If you are interested in bitcoin trading visit https://allin1bitcoins.com/bitcoin-prime/

When did the Term Virtual Currency come into existence?

Referring to all such currencies that are transacted digitally and are unregulated by any third parties in 2012. Also, the reason behind coining the term Virtual Currency was that it was controlled by the developers of its origin, they used it as a payment system to trade within their specific group of community.

Also, it is denoted as the functional value of a digital account which has a stored form of value and can be used as a medium of exchange.

What are the Types of Virtual Currency?

Now it must also be clear that these currencies are highly unregulated and that sometimes they fail as a trading medium in some specific area of usage.

However, these currencies are differentiated based on the types of their operating network which is as follow:

·       Closed Virtual currency

·       Open Virtual currency

1.    Closed Virtual currency

Closed system, this name itself denotes the purpose of this currency which is, it can only operate in a closed financial ecosystem.

It is not convertible, like the other cryptocurrencies or tokens that get converted into some other form of currencies and can be traded.

However, this is not the case with the Closed Virtual currency, because neither it can be converted into virtual currency nor it could be converted into a fiat currency.

These types of currencies are highly used in Virtual games example: Airline Miles.

2.    Open Virtual currency

These currencies are just opposite of the first one, you can say it is the counterpart of the closed currency, they are interconvertible and are free to be traded in an open ecosystem.

Also, they are given the liberty to be converted into one form to another i.e., from one exchange medium to another.

Example: Stablecoins.

What are the Advantages of Virtual Currency?

Virtual currencies even being unregulated has lots of advantages like:

·       Virtual currencies don’t have any physical storage cost as they are transacted online.

·       Virtual currencies when used as open currencies eliminate the need for any third parties and are based on a decentralized setup.

·       Virtual currencies are given liberty to be programmed in such a way that they can be operated in an automated transaction.

·       Virtual currencies are the subset of the digital currencies like cryptocurrencies and can be assigned as the value of gaming tokens, etc.,

The Bottom line

Virtual Currencies are the digital representation of those values that can be operated in any closed financial ecosystem or the open-source protocol, also at the same time they are the interconvertible and non-convertibles, but they are the fastest transactable currencies that eliminate the need for any intermediaries.

 Also, they are subjected to market risk, therefore one must invest in them after checking their background and nature of the transaction.

We might have more about Web wallets and exploring the new concepts of the Crypto world, we always bring out new and exciting topics to browse on! Therefore, continuing this series, we have come up with a digital wallet called Jaxx.

And the most interesting thing about Jaxx is, it provides a backup option to your crypto wallet, as if your device is lost or damaged, then in such cases backing up is the best service provided by Jaxx to restore your Jaxx wallet. If you are interested in bitcoin trading check if you can inherit bitcoin .

What is a Jaxx Wallet?

Jaxx liberty wallet is made with the purpose of a multi-platform that could serve the needs of various cryptocurrencies and allows the customers to have their own multiple digital assets by creating and having the ownership of their assets.

Jaxx liberty wallet supports Cross-platform and Blockchain holdings, crypto prices and news and it also helps to promote the third-party trading services within its all-in-one digital crypto wallet app.

Jaxx wallet also gives you the freedom to track your asset balance and cash flow amount which has been used or transacted within the one hour.

How does Jaxx wallet operate?

Jaxx wallet is a non-custodial crypto wallet that provides the person with their own private keys and also aims to respect your transaction safety, apart from accessing your digital wallets, it also lets you have the news about all the current crypto trading headlines.

What are the Features of a Jaxx wallet?

Jaxx wallet is one of the premium technologies for doing anonymous trading on the crypto platform, it is also available for various operating systems and has given the following benefits to its users to enjoy smooth trading:

·             Omni-usable

Jaxx can be used in any version of your operating system like Mac, Linux and Windows apart from it being available for Apple, Android, etc., they have streamlined their entire process to provide an Omni-usable function.

·             Unique trademarks

Jaxx liberty has used many unique phrases and visual styles which distinguish it from rest of the wallet, it claimed that it has some registered and unregistered trademarks from third parties like Magazine Bitcoinist, Coindesk, etc.,

·             Licensed text and images

It also claims that it has used the licensed text and images under the Creative commons attribution 4.0 which is an international license, which gives liberty to remix and reuse the elements but with attributions.

·             Latest Software libraries

Jaxx also says that they have made use of 303 open-source Javascript Libraries and has the below versions like acorn; ansi-styles (2); @angular/router, etc.,

How do I cash out my Jaxx Wallet?

For withdrawing or transferring money to your Jaxx wallet, you have to simply follow the below instructions and you will be getting your money in an instant manner!

For transferring funds from your account to your Jaxx wallet, you can simply go to their support sections and these options will be displayed to you and you have to only click the portal, while every procedure is then automatic.

1.        Make Payment with a direct debit

2.        Payment by Bank transfer

3.        Payment by credit card

4.        Payment by Paysafecard and Moneybookers.

For Withdrawal method:

For withdrawing the money from your Jaxx wallet you can simply use any of the above methods simply followed by Moneybookers and Neteller.

There is a minimum withdrawal limit via bank transfer around 5 dollars and if you are using credit or debit or Moneybookers like medium then this charge increases by 10 dollars.

The Bottom line

Jaxx wallet keeps your funds safe and they use some licensed work to protect the funds under Gambling Commission regulations. They claimed to keep the customer funds separate from the company’s fund.

Therefore, we could say that Jaxx liberty wallet is an excellent medium for having a digital wallet, however it comes under the category of soft wallet and cannot be used to store a larger number of cryptocurrencies.

One of the expected casualties of the pandemic was property prices. The logic seemed sound. With limited movement, few people were selling their homes. In addition, potential buyers had lost their sources of income. Both supply and demand were expected to plummet, leading to record low valuations.

However, while prices did drop initially, this dip did not last long. On the contrary, property prices actually started going up. This trend has continued, leading to homes being sold at record prices. The primary reason for this trend has been that demand did not drop off nearly as drastically as supply did.

In the UK, this has meant booming property prices, as has been the case in Europe and the US. But the fact that the pandemic has just not come to an end has meant that these trends have stayed fairly local. People who would have bought property abroad have waited for things to get back to normal.

Now, as 2022 begins, global real estate is once again attracting investors. One of the direct consequences is that people are sending huge sums of money abroad. Here’s what you need to know.

The Future of Global Real Estate

If you’re wondering why investors would buy real estate abroad in 2022, you’re not alone. In usual times, investors prefer to go with bets that are almost guaranteed. They won’t spend hundreds of thousands or millions of pounds on homes that might lose their value. So why are they willing to take the risk when the road ahead is still so unclear?

The pandemic is not yet over. A year ago, we thought the end was mere months away. Today we have less certainty than before. Buying property abroad that you may not even have access to seems strange.

The approach of investors is a sign of how much things have changed over the past two years. The simple truth is that we live with far less stability than we used to. Any investment today is riskier than it would have seemed two years ago. Investors are adapting to the new normal. In order to make money in a post-COVID world, they cannot rely on the same kind of guarantees they once believed they had.

In this context it makes sense that global real estate is rising in popularity again. Property prices are going up, and this is a trend that does not look anywhere near to ending. Waiting any longer to buy property only guarantees that investors will be unable to take advantage of this trend. By the time they feel that the risk has levelled out, property will be extremely expensive.

As mentioned, this has impacted the international currency transfer business.

Currency Transfer in a Pandemic

In the first stage of the pandemic, the international currency transfer industry struggled. While global recognition of the ease with which businesses can operate remotely helped to further globalise the world, people could not spend money abroad. Travel restrictions led to a lack of tourism as well as a drop in foreign investment.

In fact, it felt like the perfect time for foreign exchange to become a thing of the past. After all, in an increasingly digital world, a decentralised currency made more sense than ever. Of course, the currencies that promised to provide this solution have not taken off in a practical sense. While cryptocurrencies soar in value, they have little actual use in the real world.

Over the past year, we’ve all seen that a decentralised currency is nowhere close to being ready for widespread adoption. And, as the world has opened up again, this has meant reverting to what we’ve been doing for the past hundred and fifty years. People needed traditional foreign exchange to spend money while travelling or when investing abroad. The reemergence of global real estate investment has led to people sending massive sums of money abroad once again.

The companies that this impacts most are the private foreign exchange companies, rather than the banks. Because Forex is only one service banks provide, their survival has been premised on other factors. Few banks in the UK or elsewhere have significantly improved their Forex options over the past two years. International currency transfer companies, on the other hand, have had to work towards a new normal.

But how do currency transfer companies differ from banks?

International Money Transfer Companies

International money transfer companies came into existence because the Forex services banks provided were simply not serving their customers. Banks charged high fees and commissions to transfer money abroad. It could take over a week for them to transfer your money into another account. They also provided poor exchange rates which, when compared with the mid-market rate found on Google, cost both the sender and recipient money.

International currency transfer became a popular industry, led by startups run by people who had personal stakes in their success. These were people who worked abroad and sent remittances or received salaries in a forieng currency. They needed to find the best way to transfer currency to a foreign bank account and therefore created cheap currency transfer systems.

The best in the currency transfer business, companies like Wise (formerly TransferWise) were created by innovative people doing business worldwide. They found ways to give the best foreign currency rates without compromising their own bottom line. Wise, among other companies, use a process that circumvents the outdated SWIFT system entirely. Instead of actually sending money abroad, they match senders and recipients in the countries in which they operate, eschewing the need for expensive processing fees.

These companies have needed to provide a higher level of transparency than the banks do, considering their promises to offer an alternative that suited senders rather than themselves. They could not hide additional fees in poor exchange rates or take commissions from both sender and receiver.

Big Business Post-COVID

COVID-19 put these companies under pressure, with tourism halted and foreign investors not wanting to risk spending in an unstable world. The reemergence of global real estate as a force has been a major boon to currency transfer companies.

Investment in foreign real estate means that investors are regularly sending big sums of money abroad in payments for expensive properties. They provide business on a much bigger scale than individual travellers or foreign workers do.

These money transfer companies are still looking ahead with caution in 2022. While things are getting back to normal, we have repeatedly seen that the next setback may be just around the corner. However, for now they are riding the wave of the type of confidence possible in a post-pandemic world.

The good news for consumers is that these circumstances are the best motivation for companies to improve what they offer. They need to widen their services to better serve customers, and provide the best customer care in order to compete.

Over the next few months, we can expect to see global real estate continuing to boom, leading to a strong future for foreign exchange companies.

Over the last several years, the crypto market has grown in value and popularity that alternative financing options have practically become outdated. While Bitcoin is the first cryptocurrency and is currently the most well-known cryptocurrency, many others have appeared. The phenomenal gains that some investors have achieved are part of the cause for the cryptocurrency asset class’s buzz.

The rising popularity of cryptocurrency is expected to extend into 2022. Here are just some reasons we think investing in the crypto market is a viable option for the coming year!

Ease of Payment

One of the most significant disadvantages associated with cryptocurrencies is that they are not accepted as a viable alternative for regular currencies for payment purposes. Many cryptocurrencies may become worthless due to their lack of practical use.

In 2021, however, the reverse had occurred. The trend appears to be changing and is set to continue through 2022. An increasing number of companies are now moving towards accepting cryptocurrencies as legal cash, such as Bitcoin. Therefore, cryptos’ viability and return rate are expected to rise and maybe even skyrocket in some cases.

The volatility of Crypto is Expected to Reduce in 2022

In the past, cryptocurrency was viewed as a highly risky and volatile investment. With the prices of bitcoin rising from $1,000 to almost $20,000 in 2017, the trends have continued. Even in 2021, it was observed that the prices for Ethereum also increased by quadrupled. However, experts are now predicting a decrease in the volatility of cryptocurrency in the coming year, thus making it a less risky investment.

Increased popularity and credibility of cryptocurrencies are expected to help mitigate risk and reduce some of the volatility surrounding cryptocurrency. It has been pointed out that prices may continue to fluctuate drastically in 2022, but these fluctuations will not be as dramatic as those observed in recent years.

Invest in Solana

With a market price of almost $52 billion, Solana is currently the fifth most popular currency in the crypto market, compared to Ethereum, which has a current market capitalization of around $452 billion. This puts Solana in a strong position since it has developed enough traction to compete with the crypto market’s top players, but there’s still plenty of opportunity for expansion.

Solana also has a lot in common with Ethereum. Both networks are smart contract platforms that can host decentralized finance apps and non-fungible token (NFT) marketplaces, among other things.

On the other hand, Solana has one significant benefit over Ethereum: speed. Solana is capable of processing up to 65,000 transactions per second, compared to Ethereum’s current rate of roughly 15 transactions per second. Therefore, many developers have gravitated to Solana’s network due to its speed, making it the fastest-growing cryptocurrency in the crypto market.

Expansion in derivatives and other secondary markets

In February, purpose Investments, located in Canada, introduced the world’s first bitcoin-based exchange-traded funds (ETFs). It already has $1.4 billion under control after less than a year. There is no reason why this step couldn’t be replicated tens or hundreds of times in markets other than the United States. The Securities and Exchange Commission, despite its reluctance, might approve a bitcoin or crypto ETF in 2022, thus expanding its practical use.

Individual investors are more likely to understand that they may benefit from a crypto portfolio and borrow against it despite the dangers. All of this is contributing towards a growing crypto ecosystem.

What Cryptocurrencies Should I Invest in To Succeed In 2022?

With multiple new options entering the market, experts and analysts have predicted the probability of the success of specific cryptocurrencies over others. Some cryptocurrencies you should invest in include the following:

1. Bitcoin: it is no surprise that bitcoin has made it to the list. Despite its volatile nature, bitcoin has yielded some highly fruitful results in the past and is expected to show the same trend in the future.
2. Ethereum: ETH is being looked upon as the next bitcoin. Its fast-gaining popularity is resulting in an increment in its value. In addition, the launch of Ethereum 2.0 is anticipated by many investors and is expected to produce favorable outcomes.
3. Binance coin is another popular option, launched in 2017, set to achieve extreme heights in 2022.

Conclusion

With the rising popularity and the value of cryptocurrencies is increasing, along with the ease of multiplying your gains, people are becoming increasingly interested in the crypto market. Be it, people who are crypto-curious or dedicated crypto investors, at erecoin.io, we can guide you!

Liquidity mining is a crucial yet enigmatic element in decentralized finance (DeF). Liquidity miners don’t get nearly as much attention as app developers or venture capitalists, yet DeF protocols wouldn’t work without them. DeF protocols are merely lines of code rather than using apps without liquidity — or enough tokens to facilitate seamless transactions.

Liquidity miners are decentralized finance partakers that invest in DeF protocols to provide liquidity. They will be able to collect the bulk of decentralized finance protocol income as well as a significant portion of the protocol’s governance tokens at a cost that is likely to be lower than venture capital.

What is Liquidity Mining?

The term “mining” refers to a process in which bitcoin transactions are confirmed, and new cryptocurrency units are generated. Mining efficiently necessitates both powerful hardware and software.

When it comes to verification, a single computer is still not strong enough to mine cryptocurrency successfully since your power cost would skyrocket. To combat this, miners frequently join pools to combine their computer resources and distribute miner rewards to pool members. Using specialized technology and inexpensive power, groups of miners compete to verify pending transactions and collect the benefits. This rivalry helps to maintain transactional integrity.

AntPool, F2Pool, and BitFury are the most significant pools, with AntPool alone accounting for 19% of total cryptocurrency mining. China is home to most of these liquidity mining pools accounting for more than 70% of total Bitcoin mining. The majority of bitcoin mining equipment is made in China, which takes advantage of the country’s low power rates.

The History of Liquidity Mining

Liquidity mining has been around since 2017, even if it just got popular in June 2020. In October 2017, IDEX, one of the significant decentralized exchanges, pioneered the concept. Sythetix then redefined it in 2019 before being improved further by Compound in June 2020 to become what we know today.

In October 2017, IDEX unveiled a market maker reward scheme, which established the foundation for what we now know as liquidity mining. Instead of putting their money in a pool, the exchange gave market makers its token, IDEX, in return for trading on its platform. There was no need to keep assets in a different location. All market makers had to do was fill a limit order and be rewarded with IDEX.

Following Compound’s announcement of the concept in 2020, the notion’s acceptance rate has exploded in recent years. For example, the total value locked (TVL) between June and October 2020 was more than $10 billion. The TVL (at the time of writing) was $96.96 billion, according to Defipulse.

Can You Incur a Loss with Liquidity Mining?

Mining, investing, and trading all have risks that make being profitable in the market. On the other hand, liquidity mining has its own set of limitations that hinder users from supplying liquidity without needing to monitor the bitcoin market: temporary loss (IL).

The opportunity cost of hanging onto an asset for speculative purposes versus giving it liquidity to generate fees is known as impermanent loss. It’s nearly impossible to prevent IL with digital assets since they’re unpredictable. The user is in danger of not earning or even losing money if an asset inside the LP of choice loses or acquires too much value after being placed. For example, Ethereum’s value can quadruple in 5 days, but the fees paid while farming it will not even come close to covering half of what one would have profited by HODLing.

The term “impermanent loss” is well-deserved. Only when the user decides to withdraw his liquidity does he incur losses. As a result, if the market recovers to its previous price, it is feasible to prevent IL. LPs will be obliged to withdraw liquidity and realize their IL if this does not materialize.

Other risks associated with liquidity mining include technical risks, Rugpull fraud, information asymmetry, and high gas fees.

Conclusion

Liquidity mining is a form of passive income that allows crypto holders to earn from their current assets rather than storing them in cold storage. Assets are lent to a decentralized exchange in exchange for a proportional distribution of trading fees to each liquidity provider. Thus, we can conclude that we can introduce new horizons of innovation in decentralized financing through liquidity mining.

 With oschain.io, we can help you make the most out of liquidity mining and provide you with all the necessary assistance you need in this regard.

Since the start of 2021, the cryptocurrency market has seen an increment in its value, totalling a staggering $2 trillion. The past year has been very positive in terms of the growth and opportunities introduced in the crypto market. With increased interest from Wall Street, and the U.S. exchange trade fund linking its trades to bitcoin, cryptocurrency has ventured into new areas.

However, we cannot deny the rollercoaster the entire journey was; with some steep falls to immense booms, the cryptocurrency market saw it all in 2021. Experts and analysts have studied past trends, the rising inflation, and other vital factors to determine the success of cryptocurrency in 2022.

Despite the unstable and fluctuating nature of the crypto market, experts have predicted the success of specific cryptocurrencies. Investing in these has a high probability of achieving the desired results and bestowing you with the gains you were yearning for!

Satisfy your crypto-curious self by investing in cryptocurrencies that have favourable predictions.

Ethereum (ETH)

Ethereum, also known as ether, has outperformed multiple cryptocurrencies in 2021, including the famous bitcoin. Most trend experts seem to unanimously believe that this positive trend in Ethereum will extend to 2022.

Ethereum’s potential of being used for multiple purposes is a significant contributor to its success. Alongside this, ETH is the native version of the Ethereum blockchain, which had already established itself as the primary hub for intelligent contracts.

The induction of blockchain in decentralized financing has also increased the chances of increasing ether’s prices and the London upgrade, which is set to be complete in 2022 and will prove to be a crucial stage towards further success for the crypto market. Many crypto investors anticipate the arrival of Ethereum 2.0, and the past success of Ethereum has set a profitable path for Ethereum 2.0.

Layer 1 Diversity

2021 by far, has been the most successful year for cryptocurrency, with the use of blockchain technology being introduced in many real-time applications. The increased feasibility and practicality of cryptocurrency is making it increasingly popular amongst investors, and the year 2022 is guaranteed to see some significant diversifications in the NFT sector. In the past, the NFT sector saw the success of Tezos and Solana; however, in 2022, analysts are predicting that these favourable trends will also extend to other cryptocurrencies.

Continued Token Decoupling

With Token Decoupling, you can see the returns on your cryptocurrency based on its individual value proposition. Token decoupling is a highly preferred feature amongst investors as it allows them to stop tracking the coin’s prices at their preferred instant and get access to higher returns. Experts have noticed a rise in the number of investors that are now opting for token decoupling and have predicted that its use will see a further enhancement and increment in 2022.

Stocks don’t rise quickly.

Keeping the multiple investing options in mind, most people still prefer to invest in stocks traded on the stock market. However, these stocks can sometimes take forever to see immense increases, whereas cryptocurrencies, on the other hand, tend to have more significant and more frequent fluctuations. This makes them an ideal option for people looking for a quick road to success in 2022.

Restrictions by the Fed

With the start of 2022, the Feds are planning to amp up the interest rates, in addition to shrinking their bond-buying program. In response to the rising inflation, people will want to look for alternate and more profitable investment options. With cryptocurrency, investors can make investments free of the effects of inflation, and due to their digital nature, they are not subjected to stricter Fed regulations. Thus more and more people are expected to shift towards cryptocurrencies. The rising demand is expected to be met by a rising price, which will further pave the path to success for cryptocurrencies.

Conclusion

While the idea of investing in cryptocurrency can seem very intriguing, it involves a lot of risks, patience, and a thorough knowledge of the crypto market. Your profit can either rise tenfold, or you can see the crypto market crashing, sinking all your money in a monumental loss. However, if fate plays its cards in your favour and the socioeconomic and political factors work, 2022 could be your year of success and high profits through cryptocurrency.

With topiacoin.io, we can guide you with what cryptocurrencies to invest in, how to proceed with the investment process and other details that are deemed necessary by potential investors!