Every December the same scary headlines return: claims that SEPA payments are blocked for Christmas, that bank transfers are frozen for days, or that Europe is suddenly cut off from its own money. The reality is far more boring — and far more reassuring.SEPA does not shut down for Christmas. You can still initiate transfers and direct debits. The key is understanding how the underlying settlement calendar works, what happens to classic SEPA payments during bank holidays, an (sepa instant) [...]

In the ever-evolving world of digital finance, cryptocurrencies have emerged as a groundbreaking innovation, offering new ways to conduct transactions and invest. With thousands of cryptocurrencies available today, it can be challenging to determine which ones offer the best combination of profitability and security. Whether you are a seasoned investor or a curious newcomer, understanding the most reliable and profitable cryptocurrencies is crucial for making informed decisions in this fast-pace [...]