Fiduciary responsibility to clients is of the utmost importance to RIAs. Clients rely on advisors to strengthen and secure their financial wellbeing and, through methods such as portfolio allocation and rebalancing, RIAs help them feel safer in their futures. Advisors have traditionally diversified clients’ portfolios from equity exposure with bonds and recently alternative investments, such as commodities,...Read More

Virtually every aspect of our lives has become digitized. Thanks to the internet, access to everyday things — like books, music, newspapers, and more — are readily available at our fingertips. In the COVID-19 era especially, we have become more reliant on the internet to accomplish work and stay connected. Twenty years ago, we never...Read More

Introduction: One of the utilities of a successful distributed ledger that enables a trustless network is its immutability: once an entry is verified, it cannot be deleted or amended retroactively. Blockchains are one such example that we will focus on. To achieve this key requirement, there are several verification methods available. One is to require...Read More

Ever since globalization accelerated after the second world war, global financial institutions have had an ever-increasing need to transfer monetary instruments and currencies cross borders as seamlessly as possible. The first truly global payment system was set up almost fifty years ago by 239 banks in fifteen countries that established a common standard for messaging...Read More