Option chain shows key data for Experian's stock options at various strike prices and expiration dates. Traders use this information to analyze potential trades and assess market sentiment for Experian.

Experian (OTC:EXPGY) Stock, Option Chain

EXPERIAN PLC ADR

Experian is one of the leading credit bureaus in North America and the United Kingdom, providing the consumer information that is the basis for granting credit. The company also provides decision analytics, marketing data, and direct-to-consumer credit products and services. About one quarter of the company's revenue is generated outside North America and the United Kingdom, primarily in Latin America and Asia.

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EXPGY

Needham analyst Kyle Peterson maintains Equifax Inc (NYSE: EFX) with a Buy and raises the 

Equifax Named Top Pick For 2024 By Needham, Price Target Raised On Expected Mortgage Rate Tailwinds

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Benzinga

Home Depot&#39;s Q2 Performance: Revenue Dip, New Stock Buyback And More

First Solar&#39;s Internal Audit Reveals Instances Of Forced Labor, Philips Recalls Faulty Ventilators, Home Depot&#39;s Q2 Performance: Today&#39;s Top Stories

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Receiving Spam From Your Credit Score Provider? US FTC Just Penalized One For Spamming You

Experian PLC

Needham&nbsp;analyst Kyle Peterson maintains&nbsp;Equifax Inc&nbsp;(NYSE: <a class="ticker" href="https://www.benzinga.com/stock/efx#NYSE">EFX</a>) with a Buy and raises the&nbsp;<a class="editor-rtfLink" href="https://www.benzinga.com/quote/EFX/analyst-ratings" style="background-image:initial; background-position:initial; background-size:initial; background-repeat:initial; background-attachment:initial; background-origin:initial; background-clip:initial; margin-top:0pt; margin-bottom:0pt; color:#4a6ee0" target="_blank">price target from $230 to $305</a>.
The analyst highlights EFX as his Top Pick 2024 and adds it to the Needham Conviction List, replacing&nbsp;HireRight Holdings Corp&nbsp;(NYSE: <a class="ticker" href="https://www.benzinga.com/stock/hrt#NYSE">HRT</a>).&nbsp;
While EFX&#39;s fundamentals have faced pressure since mid-FY22 due to a spike in&nbsp;<a class="editor-rtfLink" href="https://www.benzinga.com/money/mortgage-lenders-no-tax-returns/" style="background-image:initial; background-position:initial; background-size:initial; background-repeat:initial; background-attachment:initial; background-origin:initial; background-clip:initial; margin-top:0pt; margin-bottom:0pt; color:#4a6ee0" target="_blank">mortgage</a>&nbsp;rates, the analyst expects the recent decline in interest rates to serve as a sizable tailwind heading into 2024.&nbsp;
In addition, EFX&#39;s non-<a class="editor-rtfLink" href="https://www.benzinga.com/money/mortgage-lenders-no-tax-returns/" style="background-image:initial; background-position:initial; background-size:initial; background-repeat:initial; background-attachment:initial; background-origin:initial; background-clip:initial; margin-top:0pt; margin-bottom:0pt; color:#4a6ee0" target="_blank">mortgage</a>&nbsp;businesses have been performing well. They are scaling through new products, pricing increases, and record growth, all of which Peterson expects to benefit the company in the coming year.&nbsp;
Peterson notes that EFX has made significant progress in strengthening its non-<a class="editor-rtfLink" href="https://www.benzinga.com/money/mortgage-lenders-no-tax-returns/" style="background-image:initial; background-position:initial; background-size:initial; background-repeat:initial; background-attachment:initial; background-origin:initial; background-clip:initial; margin-top:0pt; margin-bottom:0pt; color:#4a6ee0" target="_blank">mortgage</a>&nbsp;businesses and streamlining the cost structure to generate solid growth even in a rising rate environment. With a more substantial core business and an improving mortgage backdrop, the analyst expects the shares to outperform his coverage in 2024 significantly.
EFX has an attractive data platform comprising a vast array of credit, financial, bill payment, employment/income, and demographic data that EFX can bundle and sell to corporations, government agencies, and individuals to provide insights. In particular, the analyst notes that the company&#39;s workforce solutions segment helps differentiate EFX from its two closest competitors (Experian Plc&nbsp;(OTC: <a class="ticker" href="https://www.benzinga.com/stock/expgy#OTC">EXPGY</a>) and&nbsp;TransUnion&nbsp;(NYSE: <a class="ticker" href="https://www.benzinga.com/stock/tru#NYSE">TRU</a>)).&nbsp;
Peterson notes that the company&#39;s differentiated data and accelerating organic growth create a favorable investment opportunity for investors looking for exposure to financial data.
With the shares trading at a P/E multiple of 25x his FY25 estimate, the analyst views the risk-reward as favorable and notes the bias to FY24 numbers is to the upside as mortgage headwinds ease.
Peterson projects Q4 revenue and EPS of $1.31 billion and $1.76.
Price Action:&nbsp;EFX shares traded higher by 1.07% at $235.53&nbsp;on the last check Thursday.
Photo via Company

Benzinga
<a class="editor-rtfLink" href="https://www.benzinga.com/news/earnings/23/08/33855870/home-depots-q2-performance-revenue-dip-new-stock-buyback-and-more" style="color:#4a6ee0; background:transparent; margin-top:0pt; margin-bottom:0pt" target="_blank">Home Depot&#39;s Q2 Performance: Revenue Dip, New Stock Buyback And More</a>
<ul>
<li>Home improvement retailer&nbsp;Home Depot Inc&nbsp;(NYSE: <a class="ticker" href="https://www.benzinga.com/stock/hd#NYSE">HD</a>) reported a second-quarter FY23 sales decline of 2% year-on-year to $42.92 billion, beating the analyst consensus of $42.25 billion.</li>
<li>EPS of $4.65 beat the analyst consensus of $4.46. The average ticket in Q2 was $90.07, a 0.1% growth, and sales per retail square foot declined 2.3% to $684.65.</li>
<li>Home Depot sees sales and a comparable sales decline of 2% - 5% (representing sales of $149.533 billion-$154.255 billion) vs. the $152.28 billion estimate.</li>
</ul>
<a class="editor-rtfLink" href="https://www.benzinga.com/news/23/08/33853091/philips-recalls-faulty-ventilators-fda-identifies-dust-issue-as-most-serious" style="color:#4a6ee0; background:transparent; margin-top:0pt; margin-bottom:0pt" target="_blank">Philips Recalls Faulty Ventilators, FDA Identifies Dust Issue As &#39;Most Serious&#39;</a>
<ul>
<li>Koninklijke Philips N.V.&nbsp;(NYSE: <a class="ticker" href="https://www.benzinga.com/stock/phg#NYSE">PHG</a>) is recalling several ventilators after detecting dust and dirt from the environment in the air path of some devices.</li>
<li>The U.S. Food and Drug Administration (FDA) classified the recall of Philips&#39; respiratory machines as its most serious type, as their use could cause serious injuries or death.</li>
</ul>
<a class="editor-rtfLink" href="https://www.benzinga.com/news/earnings/23/08/33852860/this-spotify-rival-from-china-just-saw-its-maus-dip-in-q2-stock-slides" style="color:#4a6ee0; background:transparent; margin-top:0pt; margin-bottom:0pt" target="_blank">This Spotify Rival From China Just Saw Its MAUs Dip in Q2, Stock Slides</a>
<ul>
<li>Tencent Music Entertainment Group&nbsp;(NYSE: <a class="ticker" href="https://www.benzinga.com/stock/tme#NYSE">TME</a>) reported second-quarter revenue growth of 5.5% year-over-year to $1.01 billion, missing the consensus of $1.03 billion.&nbsp;</li>
<li>Adjusted EPADS of $0.13 missed the consensus of $0.14.</li>
<li>Revenues from social entertainment services and others increased by 24.6% Y/Y to $419 million.</li>
</ul>
<a class="editor-rtfLink" href="https://www.benzinga.com/news/earnings/23/08/33857519/cardinal-health-q4-earnings-surpass-estimates-raises-2024-forecast" style="color:#4a6ee0; background:transparent; margin-top:0pt; margin-bottom:0pt" target="_blank">Cardinal Health Q4 Earnings Surpass Estimates, Raises 2024 Forecast</a>
<ul>
<li>Cardinal Health Inc&nbsp;(NYSE: <a class="ticker" href="https://www.benzinga.com/stock/cah#NYSE">CAH</a>) reported Q4 FY23 adjusted EPS of $1.55, up 48% Y/Y, beating the consensus of $1.48.</li>
<li>Sales increased 13% to $53.45 billion, beating the consensus of $52.41 billion.</li>
<li>Cardinal Health raised its FY24 adjusted EPS guidance to $6.50-$6.75 from prior guidance of $6.45-$6.70 versus consensus of $6.59.</li>
</ul>
<a class="editor-rtfLink" href="https://www.benzinga.com/general/biotech/23/08/33852876/fda-approves-pfizers-blood-cancer-therapy-for-heavily-pretreated-patients" style="color:#4a6ee0; background:transparent; margin-top:0pt; margin-bottom:0pt" target="_blank">FDA Approves Pfizer&#39;s Blood Cancer Therapy For Heavily Pretreated Patients</a>
<ul>
<li>The FDA granted accelerated approval to&nbsp;Pfizer Inc&#39;s&nbsp;(NYSE: <a class="ticker" href="https://www.benzinga.com/stock/pfe#NYSE">PFE</a>) Elrexfio (elranatamab-bcmm) for adult patients with relapsed or refractory multiple myeloma (RRMM) who have received at least four prior lines of therapy.&nbsp;</li>
<li>Approval was based on the single-arm Phase 2 MagnetisMM-3 trial results, and continued approval for this indication is contingent upon verification of clinical benefit in a confirmatory trial(s).&nbsp;</li>
</ul>
<a class="editor-rtfLink" href="https://www.benzinga.com/m-a/23/08/33856744/latam-logistic-properties-to-go-public-via-578m-spac-merger" style="color:#4a6ee0; background:transparent; margin-top:0pt; margin-bottom:0pt" target="_blank">LatAm Logistic Properties To Go Public Via 578M SPAC Merger</a>
<ul>
<li>LatAm Logistic Properties S.A.&nbsp;(d/b/a&nbsp;LatAm Logistic Properties) (&quot;LLP&quot;), a developer, owner, and manager of institutional quality, class A industrial and logistics real estate in Central and South America, agreed to go public via special purpose acquisition company (SPAC) merger with&nbsp;Two&nbsp;(NYSE:&nbsp;<a class="editor-rtfLink" href="https://www.benzinga.com/stock/twoa#NYSE" style="color:#4a6ee0; background:transparent; margin-top:0pt; margin-bottom:0pt" target="_blank">TWOA</a>).</li>
<li>The combined company will have an estimated post-transaction enterprise value of $578 million, based on a pre-money equity value of LLP of $286 million, with a minimum of $25 million in net cash proceeds from the business combination and assuming 70% redemptions by TWOA&#39;s existing public shareholders.&nbsp;</li>
</ul>
<a class="editor-rtfLink" href="https://www.benzinga.com/markets/equities/23/08/33856721/receiving-spam-from-your-credit-score-provider" style="color:#4a6ee0; background:transparent; margin-top:0pt; margin-bottom:0pt" target="_blank">Receiving Spam From Your Credit Score Provider? US FTC Just Penalized One For Spamming You</a>
<ul>
<li>The U.S. Federal Trade Commission has charged data analytics and credit reporting company&nbsp;Experian plc&nbsp;(OTC: <a class="ticker" href="https://www.benzinga.com/stock/expgy#OTC">EXPGY</a>) (OTC:&nbsp;<a class="editor-rtfLink" href="https://www.benzinga.com/stock/expgf#OTC" style="color:#4a6ee0; background:transparent; margin-top:0pt; margin-bottom:0pt" target="_blank">EXPGF</a>) for spamming consumers.</li>
<li>Experian was called out for sending consumers unsolicited emails without offering them a way to opt out of such messages, as required under the CAN-SPAM Act.</li>
<li>FTC will require Experian Consumer Services (ECS), which offers consumers access to their Experian credit information, to pay $650,000 to settle the charges.</li>
</ul>
<a class="editor-rtfLink" href="https://www.benzinga.com/news/23/08/33852555/whats-going-on-with-amazon-com-stock-tuesday" style="color:#4a6ee0; background:transparent; margin-top:0pt; margin-bottom:0pt" target="_blank">Amazon&#39;s Devices Chief Announces Retirement</a>
<ul>
<li>David Limp, the driving force behind&nbsp;Amazon.Com Inc&#39;s&nbsp;(NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/amzn#NASDAQ">AMZN</a>) device division, has shared his plans to depart in the upcoming months after a career spanning 13 years in the company.&nbsp;</li>
<li>Limp&#39;s move marks another significant exit from the company&#39;s leadership since&nbsp;Andy Jassy&nbsp;assumed the CEO role two years prior.</li>
<li>Such high-profile departures have become more frequent since Jassy&#39;s takeover, raising questions about the company&#39;s internal dynamics and future direction.</li>
</ul>
&nbsp;
New York Times
<a class="editor-rtfLink" href="https://www.benzinga.com/government/23/08/33853800/whats-going-on-with-first-solar-stock-tuesday" style="color:#4a6ee0; background:transparent; margin-top:0pt; margin-bottom:0pt" target="_blank">First Solar&#39;s Internal Audit Reveals Instances Of Forced Labor</a>
<ul>
<li>First Solar, Inc&nbsp;(NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/fslr#NASDAQ">FSLR</a>) stock is trading lower Tuesday after findings from its internal audit revealed instances of forced labor among migrant workers in its Malaysian operations.&nbsp;</li>
<li>The audit, part of the company&#39;s sustainability report, identified that four subcontracting firms in Malaysia had imposed recruitment fees on these workers in their native countries and had unjustly retained their salaries and passports.</li>
<li>These revelations come at a time when concerns about forced labor in the solar panel manufacturing sector, predominantly based in Asia, are escalating.</li>
</ul>
&nbsp;
Reuters
<a class="editor-rtfLink" href="https://www.benzinga.com/markets/equities/23/08/33855374/ryanair-forecasts-to-breeze-past-monthly-passenger-record-in-august-report" style="color:#4a6ee0; background:transparent; margin-top:0pt; margin-bottom:0pt" target="_blank">Ryanair Forecasts To Breeze Past Monthly Passenger Record In August</a>
<ul>
<li>Ryanair Holdings Plc&nbsp;(OTC: <a class="ticker" href="https://www.benzinga.com/stock/ryaay#OTC">RYAAY</a>) expects August traffic to marginally exceed the record 18.7 million passengers it flew last month.</li>
<li>RYAAY&#39;s September and October bookings are expected to be precise as forecasted, Reuters reported, referring to a statement from Eddie Wilson, the head of Ryanair DAC, the largest airline in the group.</li>
<li>&quot;It should be slightly more (than July)... people are still travelling,&quot; said Wilson, as noted by Reuters.</li>
</ul>

First Solar's Internal Audit Reveals Instances Of Forced Labor, Philips Recalls Faulty Ventilators, Home Depot's Q2 Performance: Today's Top Stories

The U.S. Federal Trade Commission has&nbsp;<a class="editor-rtfLink" href="https://www.ftc.gov/news-events/news/press-releases/2023/08/ftc-charges-experian-spamming-consumers-who-signed-company-accounts-marketing-emails-they-couldnt" style="background-image:initial; background-position:initial; background-size:initial; background-repeat:initial; background-attachment:initial; background-origin:initial; background-clip:initial; margin-top:0pt; margin-bottom:0pt; color:#4a6ee0" target="_blank">charged&nbsp;</a>data analytics and credit reporting company&nbsp;Experian plc&nbsp;(OTC: <a class="ticker" href="https://www.benzinga.com/stock/expgy#OTC">EXPGY</a>) (OTC: <a class="ticker" href="https://www.benzinga.com/stock/expgf#OTC">EXPGF</a>) for spamming consumers.
Experian was called out for sending consumers unsolicited emails without offering them a way to opt out of such messages, as required under the CAN-SPAM Act.
FTC will require Experian Consumer Services (ECS), which offers consumers access to their Experian credit information, to pay $650,000 to settle the charges.
The complaint charges that consumers who signed up for a free membership account with ECS were then sent emails promoting Experian&rsquo;s products and services without an unsubscribe link consumers could use to keep from receiving even more marketing emails.
In addition to the penalty, the order prohibits ECS from sending marketing emails that fail to offer a mechanism to opt out of such messages.
Price Action: EXPGY shares closed lower by 0.19% at $36.36 on Monday.

July gave world markets a breather from 2022&rsquo;s poor financial conditions.
The SPDR S&amp;P 500 ETF Trust (NYSEARCA: SPY) increased 9.21% in July, its highest monthly price ascension since November 2020. The Fidelity NASDAQ Composite Index ETF (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/oneq#NASDAQ">ONEQ</a>) and the SPDR Dow Jones Industrial Average ETF (NYSEARCA: DIA) displayed similar optimism, showing monthly increases of 12.51% and 6.78%, respectively, in July.
The market has reacted favorably to some recent developments, including The Federal Reserve&rsquo;s decision to maintain rather than increase interest rates as well as the release of this <a href="https://www.bls.gov/">report</a>, which reveals that 528,000 jobs have been added to the economy. Some expert traders, however, remain skeptical of July&rsquo;s bullish movement, noting the similarity of this rally to the one experienced in 2008. The latter was followed by a second wave of downward movement that stretched over months.
As ambiguity simmers surrounding market sentiment, OTC Markets Group Inc.&rsquo;s (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/otcm#OTCQX">OTCM</a>) regulated markets experienced a slight decrease in total monthly volume, recording $37.3 billion in July compared to $45.2 billion in June.
Despite the decrease, a number of new securities have emerged onto the OTCQX Best Market and OTCQB Venture Market, possibly demonstrating the ability to attract interest in a wide range of industries. Both the OTCQX Best Market and the OTCQB Venture Market maintained a significant international presence, with over half of the top most-traded securities across both markets composed of international operators.
<h3>A Dive Into The OTCQX Best Market&rsquo;s Most-Active List</h3>
The OTCQX Best Market recorded $7 billion in trading volume in July, a decrease from June&rsquo;s $9 billion.
Weathering the storm of decreasing volume are the OTCQX Best Market&rsquo;s steadfast volume performers Roche Holding AG (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/rhhby#OTCQX">RHHBY</a>), Grayscale Bitcoin Trust (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/gbtc#OTCQX">GBTC</a>) and Grayscale Ethereum Trust (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/ethe#OTCQX">ETHE</a>). In July, Roche Holding reaped the most trading volume as opposed to Grayscale Bitcoin Trust, which took that spot in June.
Additionally, OTCQX&rsquo;s top 10 most-active securities experienced a slight reshuffle in July, welcoming BASF SE (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/basfy#OTCQX">BASFY</a>) and Zurich Insurance Group Inc. (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/zurvy#OTCQX">ZURVY</a>) in place of Experian plc (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/expgy#OTCQX">EXPGY</a>) and Tesco PLC (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/tscdy#OTCQX">TSCDY</a>).
Despite decreasing month-on-month volume figures, the OTCQX Best Market has managed to maintain its hold on a number of industries, as demonstrated by the constituents of its Most Active list. Below are some of the companies and their relevant specialties:&nbsp;
<ul>
<li>Danone S.A. (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/danoy#OTCQX">DANOY</a>): Healthcare.</li>
<li>Infineon Technologies AG (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/ifnny#OTCQX">IFNNY</a>): Semiconductor solutions.</li>
<li>BASF SE (OTCQX: BASFY; BFFAF): Chemical manufacturing.&nbsp;</li>
<li>Grayscale Bitcoin Trust (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/gbtc#OTCQX">GBTC</a>): Cryptocurrency mining.</li>
<li>Trulieve Cannabis Corp. (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/tcnnf#OTCQX">TCNNF</a>): Cannabis sales and cultivation.</li>
<li>Heineken N.V. (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/heiny#OTCQX">HEINY</a>): Alcohol manufacturing and distribution.</li>
</ul>
Similar to June, 23 of the 30 Most Active constituents on the OTCQX Best Market were international operators. Some of these included new faces like Switzerland&rsquo;s Zurich Insurance Group and Germany&#39;s BASF SE, but regulars like Germany&rsquo;s Adidas AG (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/addyy#OTCQX">ADDYY</a>) and the United Kingdom&rsquo;s Anglo American PLC (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/ngloy#OTCQX">NGLOY</a>) were also present.
Other notable movers:
<ul>
<li>Ayr Wellness Inc. (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/ayrwf#OTCQX">AYRWF</a>) claimed the No. 30 spot on the OTCQX&rsquo;s list of most-traded securities, experiencing a 150% change in trading volume from last month.</li>
</ul>
<h3>The OTCQB Venture Market Experiences A Reshuffle In July</h3>
The OTCQB Venture Market recorded $463 million in trading volume in July, a decline from June&rsquo;s $603 million figure.
July introduced several new entities to the OTCQB&rsquo;s Top 10 Most Active list. Stem-cell specialist Stemtech Corp. (OTCQB: <a class="ticker" href="https://www.benzinga.com/stock/stek#OTCQB">STEK</a>) and mining operator Brazil Minerals Inc. (OTCQB: <a class="ticker" href="https://www.benzinga.com/stock/bmix#OTCQB">BMIX</a>) were among the new additions.
Similar to June, the OTCQB Venture Market witnessed a number of novelties in July. In addition to three new companies, all three of the most-traded securities in the market changed. June&rsquo;s OTCQB Most Active leaders Freddie Mac (OTCQB: <a class="ticker" href="https://www.benzinga.com/stock/fmcc#OTCQB">FMCC</a>) and Lake Resources (OTCQB: <a class="ticker" href="https://www.benzinga.com/stock/llkkf#OTCQB">LLKKF</a>) made way for biotech operator CytoDyn Inc. (OTCQB: <a class="ticker" href="https://www.benzinga.com/stock/cydy#OTCQB">CYDY</a>) and computer memory subsystems specialist Netlist Inc. (OTCQB: <a class="ticker" href="https://www.benzinga.com/stock/nlst#OTCQB">NLST</a>).
Thirteen international securities landed a spot on the OTCQB Venture Market&rsquo;s Most Active list. Of these 13, three are Australian, eight are Canadian, one is British and one is from Hong Kong.
Other notable movers:
<ul>
<li>Snowline Gold Corp. (OTCQB: <a class="ticker" href="https://www.benzinga.com/stock/snwgf#OTCQB">SNWGF</a>) climbed to 15th place in the Most Active list and recorded a $3.8 million rise in trading volume compared to last month.&nbsp;</li>
<li>88 Energy Ltd. (OTCQB: <a class="ticker" href="https://www.benzinga.com/stock/eeenf#OTCQB">EEENF</a>) climbed to 13th place in the Most Active list and recorded a $3.5 million rise in trading volume compared to last month.</li>
</ul>
The OTCQX And OTCQB Top 10
Below are the top 10 most actively traded securities on the OTCQX Best Market and OTCQB Venture Market in July.&nbsp;
OTCQX Top 10:&nbsp;
<table>
<tbody>
<tr>
<td>
Company Name
</td>
<td>
Symbol
</td>
<td>
July Dollar Volume
</td>
</tr>
<tr>
<td>
Roche Holding Ltd.
</td>
<td>
<a href="http://www.otcmarkets.com/stock/RHHBY/quote">RHHBY</a>
</td>
<td>
$1,174,038,337
</td>
</tr>
<tr>
<td>
Grayscale Bitcoin Trust (BTC)
</td>
<td>
<a href="http://www.otcmarkets.com/stock/GBTC/quote">GBTC</a>
</td>
<td>
$1,171,194,870
</td>
</tr>
<tr>
<td>
Grayscale Ethereum Trust (ETH)
</td>
<td>
<a href="http://www.otcmarkets.com/stock/ETHE/quote">ETHE</a>
</td>
<td>
$824,696,740
</td>
</tr>
<tr>
<td>
adidas AG
</td>
<td>
<a href="http://www.otcmarkets.com/stock/ADDYY/quote">ADDYY</a>
</td>
<td>
$242,545,358
</td>
</tr>
<tr>
<td>
Danone
</td>
<td>
<a href="https://www.otcmarkets.com/stock/DANOY/quote">DANOY</a>
</td>
<td>
$236,789,470
</td>
</tr>
<tr>
<td>
BNP Paribas
</td>
<td>
<a href="http://www.otcmarkets.com/stock/BNPQY/quote">BNPQY</a>
</td>
<td>
$221,832,673
</td>
</tr>
<tr>
<td>
Infineon Technologies AG&nbsp;
</td>
<td>
<a href="http://www.otcmarkets.com/stock/IFNNY/quote">IFNNY</a>
</td>
<td>
$155,256,947
</td>
</tr>
<tr>
<td>
BASF SE
</td>
<td>
<a href="https://www.otcmarkets.com/stock/BASFY/quote">BASFY</a>
</td>
<td>
$133,635,750
</td>
</tr>
<tr>
<td>
Anglo American plc
</td>
<td>
<a href="https://www.otcmarkets.com/stock/NGLOY/quote">NGLOY</a>
</td>
<td>
$129,304,530
</td>
</tr>
<tr>
<td>
Zurich Insurance Group Ltd.
</td>
<td>
<a href="https://www.otcmarkets.com/stock/ZURVY/quote">ZURVY</a>
</td>
<td>
$125,075,924
</td>
</tr>
</tbody>
</table>
OTCQB Top 10:&nbsp;
<table>
<tbody>
<tr>
<td>
Company Name
</td>
<td>
Symbol
</td>
<td>
July Dollar Volume
</td>
</tr>
<tr>
<td>
CytoDyn Inc.
</td>
<td>
<a href="http://www.otcmarkets.com/stock/CYDY/quote">CYDY</a>
</td>
<td>
$37,078,914
</td>
</tr>
<tr>
<td>
Netlist Inc.
</td>
<td>
<a href="http://www.otcmarkets.com/stock/NLST/quote">NLST</a>
</td>
<td>
$34,113,360
</td>
</tr>
<tr>
<td>
Freddie Mac&nbsp;
</td>
<td>
<a href="https://www.otcmarkets.com/stock/FMCC/quote">FMCC</a>
</td>
<td>
$30,241,752
</td>
</tr>
<tr>
<td>
Fannie Mae&nbsp;
</td>
<td>
<a href="http://www.otcmarkets.com/stock/FNMA/quote">FNMA</a>
</td>
<td>
$27,396,005
</td>
</tr>
<tr>
<td>
Northwest Biotherapeutics Inc.
</td>
<td>
<a href="http://www.otcmarkets.com/stock/NWBO/quote">NWBO</a>
</td>
<td>
$22,674,446
</td>
</tr>
<tr>
<td>
American Battery Technology Co.
</td>
<td>
<a href="http://www.otcmarkets.com/stock/ABML/quote">ABML</a>
</td>
<td>
$16,153,987
</td>
</tr>
<tr>
<td>
Humbl Inc.
</td>
<td>
<a href="https://www.otcmarkets.com/stock/HMBL/quote">HMBL</a>
</td>
<td>
$14,817,569
</td>
</tr>
<tr>
<td>
Stemtech Corp.
</td>
<td>
<a href="https://www.otcmarkets.com/stock/STEK/quote">STEK</a>
</td>
<td>
$12,940,312
</td>
</tr>
<tr>
<td>
Lake Resources N.L.&nbsp;
</td>
<td>
<a href="http://www.otcmarkets.com/stock/LLKKF/quote">LLKKF</a>
</td>
<td>
$11,131,503
</td>
</tr>
<tr>
<td>
Brazil Minerals Inc.
</td>
<td>
<a href="https://www.otcmarkets.com/stock/BMIX/quote">BMIX</a>
</td>
<td>
$7,447,947
</td>
</tr>
</tbody>
</table>
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OTC Markets' Most Active Securities Sees A Shake-up In July

Wall Street Journal
<a class="editor-rtfLink" href="https://www.benzinga.com/fintech/22/08/28430792/equifax-backed-credit-score-provider-says-unpaid-medical-bills-do-not-predict-creditworthiness" style="color:#4a6ee0; background:transparent; margin-top:0pt; margin-bottom:0pt" target="_blank">Equifax-Backed Credit Score Provider Says Unpaid Medical Bills Do Not Predict Creditworthiness</a>
<ul>
<li>Wall Street Journal reported that VantageScore Solutions LLC would stop factoring all medical debt in collections into the latest versions of its scores starting October.</li>
<li>The credit-score provider was founded by Experian Plc (OTC: <a class="editor-rtfLink" href="https://www.benzinga.com/stock/expgy#OTC" style="color:#4a6ee0; background:transparent; margin-top:0pt; margin-bottom:0pt" target="_blank">EXPGY</a>), Equifax Inc (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/efx#NYSE">EFX</a>), and TransUnion (NYSE: <a class="editor-rtfLink" href="https://www.benzinga.com/stock/tru#NYSE" style="color:#4a6ee0; background:transparent; margin-top:0pt; margin-bottom:0pt" target="_blank">TRU</a>) in 2006.</li>
<li>VantageScore decided to remove all medical collections after finding that they aren&rsquo;t good at predicting a person&rsquo;s likelihood of repaying other debts, especially compared with other accounts in collections, said Silvio Tavares, the company&rsquo;s CEO.</li>
</ul>
<a class="editor-rtfLink" href="https://www.benzinga.com/news/22/08/28429663/microsoft-continue-to-focus-on-cost-cutting-to-beat-inflation-slowdown-report" style="color:#4a6ee0; background:transparent; margin-top:0pt; margin-bottom:0pt" target="_blank">Microsoft Continues To Focus On Cost Cutting To Beat Inflation, Slowdown: Report</a> 
<ul>
<li>Microsoft Corp (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/msft#NASDAQ">MSFT</a>) asked teams across the company to rein in some employee expenses, the Wall Street Journal reports. Managers have told staff regarding various cutbacks to the company&rsquo;s budget.</li>
<li>Microsoft also targeted some spending on business travel, outside training, and company gatherings. At a recent picnic for one Microsoft team, managers paid for their employees&rsquo; food and drinks instead of billing the company, writes WSJ.</li>
<li>Microsoft&rsquo;s other cost-cutting initiatives included a hiring freeze in some parts of the company and a plan to lay off less than 1% of its workforce of about 181,000 employees.</li>
</ul>

Bloomberg
<a class="editor-rtfLink" href="https://www.benzinga.com/news/22/08/28430060/softbank-expects-windfall-gain-of-34b-from-alibaba-stake-sale-report" style="color:#4a6ee0; background:transparent; margin-top:0pt; margin-bottom:0pt" target="_blank">SoftBank Expects Windfall Gain of $34B From Alibaba Stake Sale: Report</a>
<ul>
<li>SoftBank Group Corp (OTC: <a class="editor-rtfLink" href="https://www.benzinga.com/stock/sftby#OTC" style="color:#4a6ee0; background:transparent; margin-top:0pt; margin-bottom:0pt" target="_blank">SFTBY</a>) looks to post a 4.6 trillion yen ($34.1 billion) gain from settling forward contracts for Alibaba Group Holding Limited (NYSE: <a class="editor-rtfLink" href="https://www.benzinga.com/stock/baba#NYSE" style="color:#4a6ee0; background:transparent; margin-top:0pt; margin-bottom:0pt" target="_blank">BABA</a>) stock, Bloomberg reports.</li>
<li>It is a far more considerable windfall than previously reported.</li>
<li>SoftBank&rsquo;s board approved the early physical settlement of prepaid forward contracts corresponding to 242 million American Depositary Receipts.</li>
</ul>
<a class="editor-rtfLink" href="https://www.benzinga.com/markets/cryptocurrency/22/08/28431419/defi-protocol-curve-finance-reports-security-incident-500k-stolen-bloomberg" style="color:#4a6ee0; background:transparent; margin-top:0pt; margin-bottom:0pt" target="_blank">DeFi Protocol Curve Finance Reports Security Incident, $500K Stolen</a>
<ul>
<li>Cryptocurrency exchange Curve Finance seems to have had a security breach on Tuesday, adding to a long list of previous hacks that have afflicted the digital token industry.</li>
<li>Curve tweeted that an &ldquo;issue has been found and reverted&rdquo; after an earlier warning against using its curve.fi website.</li>
<li>The exchange also retweeted a message that said attackers fled with around $500,000 in stolen funds. Nameservers are used to route internet traffic to the appropriate websites.</li>
</ul>

Financial Times
<a class="editor-rtfLink" href="https://www.benzinga.com/news/22/08/28428991/taiwan-security-officials-are-pursuing-foxconn-to-drop-its-800-million-stake-in-chinese-chipmaker" style="color:#4a6ee0; background:transparent; margin-top:0pt; margin-bottom:0pt" target="_blank">Apple Supplier Foxconn Being Pushed By Taiwan To Unwind $800M In Chinese Chipmaker</a>
<ul>
<li>Taiwanese national security officials are pushing Apple Inc&rsquo;s (NASDAQ: <a class="editor-rtfLink" href="https://www.benzinga.com/stock/aapl#NASDAQ" style="color:#4a6ee0; background:transparent; margin-top:0pt; margin-bottom:0pt" target="_blank">AAPL</a>) supplier Foxconn to unwind its $800 million investment in Chinese chipmaker Tsinghua Unigroup, according to a Financial Times report.</li>
<li>A senior Taiwanese government official involved in national security issues told the publication that the deal would definitely not go through.</li>
<li>The development comes as Taipei seeks to align itself more closely with the U.S. after Nancy Pelosi visited the island nation last week in the face of escalating threats from Beijing.</li>
</ul>

Benzinga
<a class="editor-rtfLink" href="https://www.benzinga.com/news/22/08/28429309/after-elon-musk-hints-at-canadian-gigafactory-filing-shows-teslas-lobbying-for-a-plant-in-ontario-re" style="color:#4a6ee0; background:transparent; margin-top:0pt; margin-bottom:0pt" target="_blank">After Elon Musk&rsquo;s Canada Gigafactory Hint, Tesla Said To Be Lobbying For Ontario Plant</a>
<ul>
<li>After Tesla, Inc. (NASDAQ: <a class="editor-rtfLink" href="https://www.benzinga.com/stock/tsla#NASDAQ" style="color:#4a6ee0; background:transparent; margin-top:0pt; margin-bottom:0pt" target="_blank">TSLA</a>) CEO Elon Musk teased the possibility of a new Gigafactory in Canada by the year-end at the company&rsquo;s annual shareholder meeting last week, it appears the electric vehicle maker may have already started the groundwork for the plan.</li>
<li>Tesla is lobbying the Ontario government to establish an advanced manufacturing facility in Canada, Reuters reported, citing a filing by the company with the province&rsquo;s Office of the Integrity Commissioner.</li>
<li>Tesla&rsquo;s Canadian unit is working with the government to &ldquo;identify opportunities for industrial facility permitting reforms,&rdquo; the company reportedly said in an amended filing done on Jul. 18.</li>
</ul>
<a class="editor-rtfLink" href="https://www.benzinga.com/markets/asia/22/08/28428004/nio-commences-test-drive-of-its-es7-suv-in-these-cities" style="color:#4a6ee0; background:transparent; margin-top:0pt; margin-bottom:0pt" target="_blank">Nio Begins ES7 Test Drives In Some Chinese Cities: Here&rsquo;s When Deliveries Will Begin</a>
<ul>
<li>Nio Inc (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/nio#NYSE">NIO</a>) has started allowing its customers to test drive its new SUV ES7 post locking in orders beginning Aug. 2, reported the CnEVPost.</li>
<li>Cities: Test drives of the SUV became available in Beijing, Shanghai, Guangzhou, Nanjing, Xi&rsquo;an, and Dongguan, according to information shared by the Nio App, as per the report.</li>
<li>Nio reportedly said the first group of customers who took part in the test drives were primarily those who first reserved the Nio ES7 and those who finished their order lock-in.</li>
</ul>
<a class="editor-rtfLink" href="https://www.benzinga.com/general/biotech/22/08/28431148/to-avoid-supply-crunch-fda-temporarily-allows-higher-impurity-levels-in-mercks-diabetes-drug" style="color:#4a6ee0; background:transparent; margin-top:0pt; margin-bottom:0pt" target="_blank">To Avoid Supply Crunch, FDA Temporarily Allows Higher Impurity Levels In Merck&rsquo;s Diabetes Drug: Report</a>
<ul>
<li>The FDA recently became aware of a nitrosamine impurity, Nitroso-STG-19 or NTTP, in certain samples of Merck &amp; Co Inc&rsquo;s (NYSE: <a class="editor-rtfLink" href="https://www.benzinga.com/stock/mrk#NYSE" style="color:#4a6ee0; background:transparent; margin-top:0pt; margin-bottom:0pt" target="_blank">MRK</a>) type 2 diabetes drug Januvia/Janumet (sitagliptin).</li>
<li>The agency said that to avoid a shortage and to help ensure patients have access to an adequate supply, the FDA said it would not object to the temporary distribution of sitagliptin containing the impurity above the acceptable intake limit.</li>
</ul>
<a class="editor-rtfLink" href="https://www.benzinga.com/markets/cryptocurrency/22/08/28429133/morgan-stanleys-new-speculation-indicator-enables-ethereum-eth-price-forecasting" style="color:#4a6ee0; background:transparent; margin-top:0pt; margin-bottom:0pt" target="_blank">Morgan Stanley&rsquo;s New&rsquo; Speculation Indicator&rsquo; Enables Ethereum (ETH) Price Forecasting</a>
<ul>
<li>Morgan Stanley (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/ms#NYSE">MS</a>) has introduced a new indicator that can potentially forecast the price of Ethereum ETH/USD based on speculative activity among traders.</li>
<li>The PAVA (price-adjusted volume per address) indicator differentiates price movement based on market fundamentals from price movement based on network usage, reported CoinDesk on Tuesday.</li>
<li>PAVA is calculated by dividing ETH&rsquo;s price in U.S. dollars by the ratio of blockchain transaction volume to active wallet addresses (90-day average).</li>
</ul>
<a class="editor-rtfLink" href="https://www.benzinga.com/markets/cryptocurrency/22/08/28427954/coinbase-issued-false-and-misleading-statements-ahead-of-public-listing-alleges-shareholde" style="color:#4a6ee0; background:transparent; margin-top:0pt; margin-bottom:0pt" target="_blank">Coinbase Issued&rsquo; False,&rsquo; &lsquo;Misleading&rsquo; Statements Ahead Of Public Listing: Shareholder Lawsuit</a>
<ul>
<li>Cryptocurrency exchange Coinbase Global Inc (NASDAQ: <a class="editor-rtfLink" href="https://www.benzinga.com/stock/coin#NASDAQ" style="color:#4a6ee0; background:transparent; margin-top:0pt; margin-bottom:0pt" target="_blank">COIN</a>) has been accused of misleading investors regarding its public listing, as per a new shareholder derivative lawsuit.</li>
<li>What Happened: Coinbase and nine of its executives allegedly breached fiduciary duties, violated the securities act, and issued false and misleading statements concerning its direct listing, according to a shareholder complaint filed on Aug. 4.</li>
<li>The complaint alleges that Coinbase &ldquo;negligently prepared&rdquo; its registration statement, which contained untrue statements of material fact as a result.</li>
</ul>
<a class="editor-rtfLink" href="https://www.benzinga.com/news/22/08/28431642/chipotle-mexican-grill-to-pay-20m-to-nyc-workers-for-sick-leave-violation-bloomberg" style="color:#4a6ee0; background:transparent; margin-top:0pt; margin-bottom:0pt" target="_blank">Chipotle Mexican Grill Agrees To Pay $20M To NYC Workers For Sick Leave Violation</a>
<ul>
<li>Chipotle Mexican Grill Inc (NYSE: <a class="editor-rtfLink" href="https://www.benzinga.com/stock/cmg#NYSE" style="color:#4a6ee0; background:transparent; margin-top:0pt; margin-bottom:0pt" target="_blank">CMG</a>) has agreed to pay $20 million to settle a claim on unpaid sick leave and scheduling violations.</li>
<li>The restaurant chain will pay compensation to about 13,000 of its current and former workers in New York.</li>
<li>Chipotle will also pay $1 million in civil penalties.</li>
</ul>
<a class="editor-rtfLink" href="https://www.benzinga.com/news/22/08/28429157/apple-re-enters-fray-for-streaming-rights-of-big-ten-athletic-events-report" style="color:#4a6ee0; background:transparent; margin-top:0pt; margin-bottom:0pt" target="_blank">Apple Re-Enters Fray For Streaming Rights Of Big Ten Athletic Events: Report</a>
<ul>
<li>The Big Ten Conference, the oldest collegiate athletic conference in the United States, is floating a streaming package, and tech giant Apple, Inc. (NASDAQ: <a class="editor-rtfLink" href="https://www.benzinga.com/stock/aapl#NASDAQ" style="color:#4a6ee0; background:transparent; margin-top:0pt; margin-bottom:0pt" target="_blank">AAPL</a>) could be interested in lapping up the rights to it, the Athletic reported.</li>
<li>Apart from Apple, Amazon, Inc. (NASDAQ: <a class="editor-rtfLink" href="https://www.benzinga.com/stock/amzn#NASDAQ" style="color:#4a6ee0; background:transparent; margin-top:0pt; margin-bottom:0pt" target="_blank">AMZN</a>) could be interested in the package, the report said, while Comcast Corporation (NASDAQ: <a class="editor-rtfLink" href="https://www.benzinga.com/stock/cmcsa#NASDAQ" style="color:#4a6ee0; background:transparent; margin-top:0pt; margin-bottom:0pt" target="_blank">CMCSA</a>)-owned NBC&rsquo;s Peacock may also want to vie for streaming rights.</li>
<li>Apple had previously negotiated for the streaming rights to Big Ten athletic events, including football and basketball, 9to5mac said. The conference&rsquo;s decision to add USC and UCLA earlier this summer has renewed Apple&rsquo;s interest in the sporting event, as per The Athletic.</li>
</ul>
<a class="editor-rtfLink" href="https://www.benzinga.com/news/22/08/28428421/elon-musk-sheds-another-6-85b-worth-of-tesla-stock-doesnt-say-why" style="color:#4a6ee0; background:transparent; margin-top:0pt; margin-bottom:0pt" target="_blank">Elon Musk Sheds Tesla Shares Valued At $6.8B &mdash; In First Such Sale Since April</a>
<ul>
<li>Tesla Inc (NASDAQ: <a class="editor-rtfLink" href="https://www.benzinga.com/stock/tsla#NASDAQ" style="color:#4a6ee0; background:transparent; margin-top:0pt; margin-bottom:0pt" target="_blank">TSLA</a>) CEO Elon Musk sold $6.85 billion worth of the electric-vehicle maker&rsquo;s shares, according to filings made with the U.S. Securities and Exchange Commission on Tuesday.</li>
<li>What Happened: The billionaire entrepreneur sold 7.92 million Tesla shares valued at nearly $6.85 billion, taking into account Friday&rsquo;s closing price of $864.51.</li>
<li>The shares were sold on Aug. 5 in 55 transactions, according to the filings.</li>
</ul>
<a class="editor-rtfLink" href="https://www.benzinga.com/news/22/08/28428600/musk-says-sold-shares-to-avoid-emergency-sale-of-tesla-stock-in-unlikely-event-twitter-forces-deal-t" style="color:#4a6ee0; background:transparent; margin-top:0pt; margin-bottom:0pt" target="_blank">Elon Musk Reveals He Sold Tesla Shares Last Week To Prepare For An &lsquo;Unlikely&rsquo; Event</a>
<ul>
<li>Tesla Inc (NASDAQ: <a class="editor-rtfLink" href="https://www.benzinga.com/stock/tsla#NASDAQ" style="color:#4a6ee0; background:transparent; margin-top:0pt; margin-bottom:0pt" target="_blank">TSLA</a>) CEO Elon Musk said he sold shares of the automaker to avoid an emergency sale in the &ldquo;hopefully unlikely&rdquo; event Twitter Inc (NYSE: <a class="editor-rtfLink" href="https://www.benzinga.com/stock/twtr#NYSE" style="color:#4a6ee0; background:transparent; margin-top:0pt; margin-bottom:0pt" target="_blank">TWTR</a>) forces his buyout deal to close.</li>
<li>Musk confirmed that he was done selling in response to a question on Twitter.</li>
<li>The entrepreneur said, &ldquo;In the (hopefully unlikely) event that Twitter forces this deal to close *and* some equity partners don&rsquo;t come through, it is important to avoid an emergency sale of Tesla stock.</li>
</ul>
<a class="editor-rtfLink" href="https://www.benzinga.com/m-a/22/08/28418122/applovin-submits-a-bid-to-acquire-unity-what-investors-should-know-and-3-stocks-to-watch" style="color:#4a6ee0; background:transparent; margin-top:0pt; margin-bottom:0pt" target="_blank">AppLovin Offers To Acquire Unity In $20B Deal: What Investors Should Know And 3 Stocks To Watch</a>
<ul>
<li>Mobile app company AppLovin (NASDAQ: <a class="editor-rtfLink" href="https://www.benzinga.com/stock/app#NASDAQ" style="color:#4a6ee0; background:transparent; margin-top:0pt; margin-bottom:0pt" target="_blank">APP</a>) wants to buy Unity Software Inc. (NYSE: <a class="editor-rtfLink" href="https://www.benzinga.com/stock/u#NYSE" style="color:#4a6ee0; background:transparent; margin-top:0pt; margin-bottom:0pt" target="_blank">U</a>), a software and gaming platform company.</li>
<li>AppLovin submitted a non-binding proposal to combine with Unity. The Palo Alto, California-based company believes the combination would boost shareholder value and &ldquo;create an unprecedented full-stack solution for developers to create, monetize, measure and grow games.&rdquo;</li>
<li>The proposal cites increased scale, synergy value creation, capacity for strategic investments, diverse and liquid shareholder base, and shareholder value creation as reasons for the deal to be approved.</li>
</ul>
Photo via Wikimedia Commons

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Benzinga Before The Bell: Elon Musk Sells $6.8B Tesla Shares, Nio Begins ES7 Test Drives, Coinbase Accused Of Misleading Investors And Other Top Financial Stories Wednesday, August 10

<ul>
<li><a class="editor-rtfLink" href="https://www.wsj.com/articles/major-credit-score-provider-to-exclude-medical-debts-11660102729?mod=hp_lead_pos11" style="color:#4a6ee0; background:transparent; margin-top:0pt; margin-bottom:0pt" target="_blank">Wall Street Journal reported&nbsp;</a>that&nbsp;VantageScore Solutions LLC&nbsp;would stop factoring all medical debt in collections into the latest versions of its scores starting October.</li>
<li>The credit-score provider was founded by&nbsp;Experian Plc&nbsp;(OTC:&nbsp;<a class="editor-rtfLink" href="https://www.benzinga.com/stock/expgy#OTC" style="color:#4a6ee0; background:transparent; margin-top:0pt; margin-bottom:0pt" target="_blank">EXPGY</a>),&nbsp;Equifax Inc&nbsp;(NYSE:&nbsp;<a class="editor-rtfLink" href="https://www.benzinga.com/stock/efx#NYSE" style="color:#4a6ee0; background:transparent; margin-top:0pt; margin-bottom:0pt" target="_blank">EFX</a>), and&nbsp;TransUnion&nbsp;(NYSE:&nbsp;<a class="editor-rtfLink" href="https://www.benzinga.com/stock/tru#NYSE" style="color:#4a6ee0; background:transparent; margin-top:0pt; margin-bottom:0pt" target="_blank">TRU</a>) in 2006.</li>
<li>VantageScore decided to remove all medical collections after finding that they aren&rsquo;t good at predicting a person&rsquo;s likelihood of repaying other debts, especially compared with other accounts in collections, said Silvio Tavares, the company&rsquo;s CEO.</li>
<li>Also Read:&nbsp;<a class="editor-rtfLink" href="https://www.benzinga.com/news/22/08/28327841/equifax-sent-erroneous-credit-scores-to-lenders-due-to-technical-glitch-report" style="color:#4a6ee0; background:transparent; margin-top:0pt; margin-bottom:0pt" target="_blank">Equifax Sent Erroneous Credit Scores To Lenders Due To Technical Glitch: Report</a>.</li>
<li>Unpaid bills of hospitals and other medical providers often lower people&rsquo;s credit scores.</li>
<li>The company said that the latest version of the scores could increase by as much as 20 points.&nbsp;</li>
<li>Equifax, Experian, and TransUnion have delayed adding new unpaid medical debts to credit reports for an entire year after being sent to collections, up from a six-month waiting period.&nbsp;</li>
<li>Unpaid medical debts of less than $500 will be removed from credit reports starting in 2023, though it is possible that the dollar amount could rise, according to people familiar with the matter.</li>
</ul>

Fintech news covering the emerging Financial Technology services sector

Fintech

Equifax-Backed Credit Score Provider Says Unpaid Medical Bills Do Not Predict Creditworthiness

Reflecting the expected conditions of a bear market, many of the world&rsquo;s indices saw a decrease in price throughout June.
The SPDR S&amp;P 500 ETF Trust (NYSEARCA: SPY), for example, declined 8.26% in June, a very similar decline to the one seen in April. The SPY&rsquo;s maximum decline since its peak in January is 24%, falling within the standard definition of a bear market.&nbsp;
The Fidelity NASDAQ Composite Index ETF (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/oneq#NASDAQ">ONEQ</a>) and the SPDR Dow Jones Industrial Average ETF (NYSEARCA: DIA) displayed similar weakness, showing declines of 8.7% and 6.78%, respectively, in June.
Despite the decline in market indices and exchange-traded funds (ETFs), OTC Markets Group Inc.&rsquo;s (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/otcm#OTCQX">OTCM</a>) regulated markets experienced a slight increase in total monthly dollar volume, recording $45.2 billion in June compared to $44.5 billion in May. Additionally, the operator saw former cryptocurrency and mortgage financiers return to the helm of the Most Actively Traded Securities list on two of its regulated markets.&nbsp;
Both the OTCQX Best Market and the OTCQB Venture Market maintained a significant international presence, with over half of the top most-traded securities across both markets composed of international operators.
<h3>Crypto Reclaims The Helm Of The OTCQX Best Market Most-Active Securities&nbsp;</h3>
The OTCQX Best Market recorded $9 billion in trading volume in June, a decrease from May&rsquo;s $11 billion.&nbsp;
Despite the decrease in volume, former leaders have begun to reclaim their place among the Most Active Securities list. Grayscale Bitcoin Trust (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/gbtc#OTCQX">GBTC</a>), for example, has reclaimed its spot as the most-traded security on the OTCQX Best Market, followed by May&rsquo;s leader Roche Holding AG (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/rhhby#OTCQX">RHHBY</a>) and Grayscale Ethereum Trust (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/ethe#OTCQX">ETHE</a>).&nbsp;
Additionally, the OTCQX&rsquo;s top 10 most-active securities experienced a slight reshuffle in June, welcoming&nbsp;
Experian PLC (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/expgy#OTCQX">EXPGY</a>) and Tesco PLC (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/tscdy#OTCQX">TSCDY</a>) in place of AXA SA (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/axahy#OTCQX">AXAHY</a>) and Sprott Physical Uranium Trust Fund (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/sruuf#OTCQX">SRUUF</a>).
International operators, once again, maintained a strong presence on OTCQX, comprising 23 of the top 30 securities, down from 24 in May. France&rsquo;s BNP Paribas SA (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/bnpqy#OTCQX">BNPQY</a>) and Germany&rsquo;s Infineon Technologies AG (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/ifnny#OTCQX">IFNNY</a>) and adidas AG (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/addyy#OTCQX">ADDYY</a>) were again on the OTCQX top 10 most-active securities, while Mexico&rsquo;s Wal-Mart De Mexico S.A.B. de C.V. (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/wmmvy#OTCQX">WMMVY</a>) and Australia&rsquo;s Fortescue Metals Group Ltd. (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/fsugy#OTCQX">FSUGY</a>) made it among June&rsquo;s top 30 most-active securities.
Other notable movers:
&nbsp;
<ul>
<li>Danone (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/danoy#OTCQX">DANOY</a>) claimed fourth place on the OTCQX&rsquo;s list of most-traded securities, experiencing a 160% change in trading volume from last month.</li>
</ul>
&nbsp;
<h3>The OTCQB Venture Market Welcomes Back Mortgage Financiers</h3>
The OTCQB Venture Market recorded $603 million in trading volume in June, a decline from May&rsquo;s $896 million figure.
June introduced two new entities to the OTCQB&rsquo;s Top 10 Most-Traded Securities list. Biotech operator CytoDyn Inc. (OTCQB: <a class="ticker" href="https://www.benzinga.com/stock/cydy#OTCQB">CYDY</a>) and aerospace and defense company Applied Energetics Inc. (OTCQB: <a class="ticker" href="https://www.benzinga.com/stock/aerg#OTCQB">AERG</a>) represent the new faces on the list.
Similar to May, the OTCQB Venture Market witnessed a number of novelties in June. In addition to two new companies, all three of the top most-traded securities in the market changed. Mortgage financiers Fannie Mae (OTCQB: <a class="ticker" href="https://www.benzinga.com/stock/fnma#OTCQB">FNMA</a>) and Freddie Mac (OTCQB: <a class="ticker" href="https://www.benzinga.com/stock/fmcc#OTCQB">FMCC</a>) reclaimed their positions as the first- and third-most traded securities and Lake Resources (OTCQB: <a class="ticker" href="https://www.benzinga.com/stock/llkkf#OTCQB">LLKKF</a>) claimed its spot as the second most-traded security.
All three former &ldquo;Most Active Top 3s&rdquo; &ndash; Northwest Biotherapeutics Inc. (OTCQB: <a class="ticker" href="https://www.benzinga.com/stock/nwbo#OTCQB">NWBO</a>), Sysorex Inc. (OTCQB: <a class="ticker" href="https://www.benzinga.com/stock/sysx#OTCQB">SYSX</a>) and Netlist Inc. (OTCQB: <a class="ticker" href="https://www.benzinga.com/stock/nlst#OTCQB">NLST</a>) &ndash; remain on the OTCQB&rsquo;s Venture Market Top 10 Most Active Securities list, potentially hinting at sustained investor interest.
Twelve international securities landed a spot among the top 30 most-traded securities. Of these 12 securities, eight are Canadian, two are Australian, one is English, and one is from Hong Kong.&nbsp;
Other notable movers:&nbsp;
<ul>
<li>Wiki Soft Corp. (OTCQB: <a class="ticker" href="https://www.benzinga.com/stock/wsft#OTCQB">WSFT</a>) climbed to 12th place in the most-active group and recorded a $6.6 million rise in trading volume compared to last month.&nbsp;</li>
</ul>
&nbsp;
<ul>
<li>Sharing Economy International Inc. (OTCQB: <a class="ticker" href="https://www.benzinga.com/stock/seii#OTCQB">SEII</a>) experienced a $3.7 million increase in trading volume compared to May, climbing to 19th place on the OTCQB&rsquo;s Top 30.&nbsp;</li>
</ul>
&nbsp;
The OTCQX And OTCQB Top 10
Below are the top 10 most actively traded securities on the OTCQX Best Market and OTCQB Venture Market in June.&nbsp;
OTCQX Top 10:&nbsp;
<table>
<tbody>
<tr>
<td>
Company Name
</td>
<td>
Symbol
</td>
<td>
June Dollar Volume
</td>
</tr>
<tr>
<td>
Grayscale Bitcoin Trust (BTC)
</td>
<td>
<a href="http://www.otcmarkets.com/stock/GBTC/quote">GBTC</a>
</td>
<td>
$2,598,254,251
</td>
</tr>
<tr>
<td>
Roche Holding Ltd.
</td>
<td>
<a href="http://www.otcmarkets.com/stock/RHHBY/quote">RHHBY</a>
</td>
<td>
$1,382,600,575
</td>
</tr>
<tr>
<td>
Grayscale Ethereum Trust (ETH)
</td>
<td>
<a href="http://www.otcmarkets.com/stock/ETHE/quote">ETHE</a>
</td>
<td>
$976,746,377
</td>
</tr>
<tr>
<td>
Danone
</td>
<td>
<a href="https://www.otcmarkets.com/stock/DANOY/quote">DANOY</a>
</td>
<td>
$313,801,324
</td>
</tr>
<tr>
<td>
BNP Paribas
</td>
<td>
<a href="http://www.otcmarkets.com/stock/BNPQY/quote">BNPQY</a>
</td>
<td>
$298,306,543
</td>
</tr>
<tr>
<td>
adidas AG
</td>
<td>
<a href="http://www.otcmarkets.com/stock/ADDYY/quote">ADDYY</a>
</td>
<td>
$287,277,517
</td>
</tr>
<tr>
<td>
Infineon Technologies AG&nbsp;
</td>
<td>
<a href="http://www.otcmarkets.com/stock/IFNNY/quote">IFNNY</a>
</td>
<td>
$165,504,013
</td>
</tr>
<tr>
<td>
Experian plc
</td>
<td>
<a href="http://www.otcmarkets.com/stock/EXPGY/quote">EXPGY</a>
</td>
<td>
$164,324,697
</td>
</tr>
<tr>
<td>
Anglo American plc
</td>
<td>
<a href="https://www.otcmarkets.com/stock/NGLOY/quote">NGLOY</a>
</td>
<td>
$141,723,690
</td>
</tr>
<tr>
<td>
Tesco PLC
</td>
<td>
<a href="http://www.otcmarkets.com/stock/TSCDY/quote">TSCDY</a>
</td>
<td>
$135,566,090
</td>
</tr>
</tbody>
</table>
OTCQB Top 10:&nbsp;
<table>
<tbody>
<tr>
<td>
Company Name
</td>
<td>
Symbol
</td>
<td>
June Dollar Volume
</td>
</tr>
<tr>
<td>
Fannie Mae&nbsp;
</td>
<td>
<a href="http://www.otcmarkets.com/stock/FNMA/quote">FNMA</a>
</td>
<td>
$45,002,762
</td>
</tr>
<tr>
<td>
Lake Resources N.L.&nbsp;
</td>
<td>
<a href="http://www.otcmarkets.com/stock/LLKKF/quote">LLKKF</a>
</td>
<td>
$40,313,559
</td>
</tr>
<tr>
<td>
Freddie Mac&nbsp;
</td>
<td>
<a href="https://www.otcmarkets.com/stock/FMCC/quote">FMCC</a>
</td>
<td>
$27,312,021
</td>
</tr>
<tr>
<td>
Netlist Inc.
</td>
<td>
<a href="http://www.otcmarkets.com/stock/NLST/quote">NLST</a>
</td>
<td>
$26,970,708
</td>
</tr>
<tr>
<td>
American Battery Technology Co.
</td>
<td>
<a href="http://www.otcmarkets.com/stock/ABML/quote">ABML</a>
</td>
<td>
$25,756,627
</td>
</tr>
<tr>
<td>
Northwest Biotherapeutics Inc.
</td>
<td>
<a href="http://www.otcmarkets.com/stock/NWBO/quote">NWBO</a>
</td>
<td>
$24,033,013
</td>
</tr>
<tr>
<td>
Sysorex Inc.
</td>
<td>
<a href="https://www.otcmarkets.com/stock/SYSX/quote">SYSX</a>
</td>
<td>
$18,453,146
</td>
</tr>
<tr>
<td>
CytoDyn Inc.
</td>
<td>
<a href="http://www.otcmarkets.com/stock/CYDY/quote">CYDY</a>
</td>
<td>
$12,583,808
</td>
</tr>
<tr>
<td>
American Lithium Corp.
</td>
<td>
<a href="http://www.otcmarkets.com/stock/LIACF/quote">LIACF</a>
</td>
<td>
$10,964,858
</td>
</tr>
<tr>
<td>
Applied Energetics Inc.
</td>
<td>
<a href="http://www.otcmarkets.com/stock/AERG/quote">AERG</a>
</td>
<td>
$8,948,024
</td>
</tr>
</tbody>
</table>
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Mortgage Financiers & Crypto Securities Reclaim Their Spots As Most Actively Traded Securities On OTC Markets In June

The month of June saw $45.2 billion in trading volume for stocks that trade on the OTCQK and OTCQB. While some of the stocks that trade over-the-counter are considered <a href="https://www.benzinga.com/best-penny-stocks">penny stocks</a> based on their share price, they are also some of the largest companies in the world and represent a diverse list of sectors.
Here were the top 10 traded stocks in June on the OTC by trading volume:
Grayscale Bitcoin Trust (OTC: <a class="ticker" href="https://www.benzinga.com/stock/gbtc#OTC">GBTC</a>)
<ul>
<li>Volume: $2.6 billion</li>
<li>52-week Range: $11.95 to $55.05</li>
<li>Current Price: $12.60</li>
</ul>
What the Company Does: Launching in 2013, the Grayscale Bitcoin Trust offers investors a way to gain exposure to Bitcoin (CRYPTO: <a class="ticker" href="https://www.benzinga.com/quote/btc/usd">BTC</a>) without the challenges of buying and storing the cryptocurrency.
Roche Holdings Ltd (OTC: <a class="ticker" href="https://www.benzinga.com/stock/rhhby#OTC">RHHBY</a>)
<ul>
<li>Volume: $1.4 billion</li>
<li>52-week Range: $37.88 to $53.86</li>
<li>Current Price: $41.57</li>
</ul>
What the Company Does: One of the largest biotechnology companies in the world, Roche operates across several lines of the healthcare industry including pharmaceutical products, oncology therapies, diagnostics and oncology products. The Swiss company has a market capitalization of over $300 billion.
Grayscale Ethereum Trust (OTC: <a class="ticker" href="https://www.benzinga.com/stock/ethe#OTC">ETHE</a>)
<ul>
<li>Volume: $976.7 million</li>
<li>52-week Range: $6.85 to $47.40</li>
<li>Current Price: $7.89</li>
</ul>
What the Company Does: Launching in 2017, the Grayscale Ethereum Trust was one of the first securities that was solely invested in the price of Ethereum (CRYPTO: <a class="ticker" href="https://www.benzinga.com/quote/eth/usd">ETH</a>). Investors get exposure to Ethereum as security and pay a premium to not have to worry about buying and keeping the cryptocurrency safe on their own.
Danone (OTC: <a class="ticker" href="https://www.benzinga.com/stock/danoy#OTC">DANOY</a>)
<ul>
<li>Volume: $313.8 million</li>
<li>52-week Range: $10.21 to $15.38</li>
<li>Current Price: $10.92</li>
</ul>
What the Company Does: Danone is well known as one of the largest dairy and infant nutrition companies in the world. The company&rsquo;s three operating segments are dairy and plant-based products, specialized nutrition and bottled water. Danone was one of the two OTC stocks that saw the largest percent increase in trading volume in June.
BNP Paribas (OTC: <a class="ticker" href="https://www.benzinga.com/stock/bnpqy#OTC">BNPQY</a>)
<ul>
<li>Volume: $298.3 million</li>
<li>52-week Range: $22.37 to $38.48</li>
<li>Current Price: 22.06</li>
</ul>
What the Company Does: BNP Paribas is one of the largest banks in France and has operations in around 80 countries worldwide.
Adidas AG (OTC: <a class="ticker" href="https://www.benzinga.com/stock/addyy#OTC">ADDYY</a>)
<ul>
<li>Volume: $287.3 million</li>
<li>52-week Range: $84 to $199.44</li>
<li>Current Price: $83.88</li>
</ul>
What the Company Does: Competing with Nike Inc. (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/nke#NYSE">NKE</a>) and Under Armour (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/ua#NYSE">UA</a>)(NYSE: <a class="ticker" href="https://www.benzinga.com/stock/uaa#NYSE">UAA</a>), Adidas is one of the largest apparel and footwear companies in the world. The company has grown its exposure to new audiences recently with its Kanye West partnership for the Yeezy brand and a <a href="https://www.benzinga.com/markets/cryptocurrency/21/12/24387790/adidas-teams-with-bored-ape-yacht-club-punks-comic-nfts-what-we-know-so-far">partnership </a>with NFT collections Bored Ape Yacht Club and PUNKS Comics.
Related Link: <a href="https://www.benzinga.com/money/how-to-buy-otc-stocks/">How To Buy OTC Stocks</a>&nbsp;
Infineon Technologies (OTC: <a class="ticker" href="https://www.benzinga.com/stock/ifnny#OTC">IFNNY</a>)
<ul>
<li>Volume: $164.3 million</li>
<li>52-week Range: $21.49 to $49.99</li>
<li>Current Price: $22.06</li>
</ul>
What the Company Does: European chipmaker Infineon Technologies was spun off of Siemens (OTC: <a class="ticker" href="https://www.benzinga.com/stock/siegy#OTC">SIEGY</a>) in 2000. The company produces automotive semiconductors used for safety and powertrain segments of the auto industry.
Experian plc (OTC: <a class="ticker" href="https://www.benzinga.com/stock/expgy#OTC">EXPGY</a>)
<ul>
<li>Volume: $164.3 million</li>
<li>52-week Range: $27.58 to $49.97</li>
<li>Current Price: $29.56</li>
</ul>
What the Company Does: Experian is one of the largest credit bureaus in North America and is used to determine credit for consumers. The company mainly operates in North America and the U.K. Experian was one of the two OTC stocks that saw the largest percent increase in trading volume in June.
Anglo American plc (OTC: <a class="ticker" href="https://www.benzinga.com/stock/ngloy#OTC">NGLOY</a>)
<ul>
<li>Volume: $141.7 million</li>
<li>52-week Range: $15.45 to $27.80</li>
<li>Current Price: $15.50</li>
</ul>
What the Company Does: Anglo American is one of the largest mining companies operating across commodities like copper, coal, iron ore and platinum. The company is one of the largest platinum miners in the world and also among the largest palladium miners. Anglo also owns 85% of De Beers, one of the largest diamond suppliers in the world.
Tesco PLC (OTC: <a class="ticker" href="https://www.benzinga.com/stock/tscdy#OTC">TSCDY</a>)
<ul>
<li>Volume: $135.6 million</li>
<li>52-week Range: $8.78 to $12.47</li>
<li>Current Price: $9.18</li>
</ul>
What the Company Does: Tesco is one of the largest food retailers in the world operating primarily in the U.K., Ireland and other portions of Europe. The company&rsquo;s market share in the United Kingdom is over 25% and around double its nearest rivals Asda and J Sainsbury.

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10 Most Traded OTC Stocks In June: Where Do Danone, Adidas And Grayscale Bitcoin Trust Rank?

Reflecting the world&rsquo;s uncertainty about the U.S. economy, the market&rsquo;s major indices saw incredible volatility in May.&nbsp;
Exchange-traded funds (ETFs) that track major indices tell this story with relative clarity. The SPDR S&amp;P 500 ETF Trust (NYSEARCA: SPY), for example, reached a high of $429.66 and hit a low of $380.54 in May before closing at $412.93. The Fidelity Nasdaq Composite Index ETF (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/oneq#NASDAQ">ONEQ</a>) and the SPDR Dow Jones Industrial Average ETF (NYSEARCA: DIA) displayed similar erratic behavior.&nbsp;
Despite the volatility of the market, OTC Markets Group Inc. (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/otcm#OTCQX">OTCM</a>)&rsquo;s regulated markets&nbsp; experienced a steady increase in total monthly dollar volume, recording $44.5 billion in May compared to $40.6 billion in April. Additionally, the operator saw a former OTCQB Venture Market security springboard onto the OTCQX Best Market&rsquo;s List of 10 Most Active Securities in the same month it <a href="https://financialpost.com/globe-newswire/otc-markets-group-welcomes-sprott-physical-uranium-trust-to-otcqx">upgraded</a> from the OTCQB. .&nbsp;
Both the OTCQX Best Market and the OTCQB Venture Market maintained significant international presence, recording a total of 39 international operators among the top most-traded securities in each market.&nbsp;
<h3>The OTCQX Best Market Most-Active Securities Welcomes New Faces</h3>
The OTCQX Best Market recorded $11 billion in trading volume in May, an increase from April&rsquo;s $10.5 billion figure.&nbsp;
Retaining their spots as first-, second- and third-most traded securities on the OTCQX Best Market are&nbsp; Roche Holding AG (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/rhhby#OTCQX">RHHBY</a>), Grayscale Bitcoin Trust (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/gbtc#OTCQX">GBTC</a>) and Grayscale Ethereum Trust (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/ethe#OTCQX">ETHE</a>).&nbsp;
The OTCQX&rsquo;s top 10 most-active securities experienced a slight reshuffle in May, welcoming AXA (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/axahy#OTCQX">AXAHY</a>), Danone (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/danoy#OTCQX">DANOY</a>) and OTCQB graduate Sprott Physical Uranium Trust Fund (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/sruuf#OTCQX">SRUUF</a>). Having been the most-traded security on the OTCQB Venture Market last month, Sprott was the ninth most-traded security on the OTCQX just one month later.
International operators, once again, maintain a strong presence on OTCQX composing 24 of the top 30 securities, up from 21 in April. France&rsquo;s BNP Paribas S.A. (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/bnpqy#OTCQX">BNPQY</a>) and Germany&rsquo;s Infineon Technologies AG (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/ifnny#OTCQX">IFNNY</a>) and adidas AG (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/addyy#OTCQX">ADDYY</a>) were again on the OTCQX top 10 most-active securities, while Norway&rsquo;s Norsk Hydro ASA (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/nhydy#OTCQX">NHYDY</a>) and Ireland&rsquo;s Experian plc (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/expgy#OTCQX">EXPGY</a>) made it among May&rsquo;s top 30 most-active securities.
Other notable movers:
&nbsp;
<ul>
<li>Royal DSM NV (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/rdsmy#OTCQX">RDSMY</a>) claimed 15th place on the OTCQX&rsquo;s list of most-traded securities, experiencing a 160% change in trading volume from last month.</li>
</ul>
<ul>
<li>Repsol S.A. (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/repyy#OTCQX">REPYY</a>) claimed 25th place on the OTCQX&rsquo;s list of most-traded securities, experiencing a 111% change in trading volume from last month.&nbsp;</li>
</ul>
&nbsp;
<h3>The OTCQB Venture Market Welcomes A New Leading Company As Sprott Graduates To The OTCQX</h3>
The OTCQB Venture Market recorded $896 million in trading volume in May, a decline from April&rsquo;s $1.1 billion figure.&nbsp;
May introduced three new entities to the OTCQB&rsquo;s Top 10 Most-Traded Securities list. Government services operator Sysorex Inc. (OTCQB: <a class="ticker" href="https://www.benzinga.com/stock/sysx#OTCQB">SYSX</a>), Federal Home Loan Mortgage Corp. (Freddie Mac) (OTCQB: <a class="ticker" href="https://www.benzinga.com/stock/fmcc#OTCQB">FMCC</a>) and portfolio management company Phoenix Rising Co. (OTCQB: <a class="ticker" href="https://www.benzinga.com/stock/prcx#OTCQB">PRCX</a>) represent the new faces on the block.
Newness seemed almost a theme in the OTCQB Venture Market in May. In addition to three new faces, all three of the top most-traded securities in the market changed with Northwest Biotherapeutics Inc. (OTCQB: <a class="ticker" href="https://www.benzinga.com/stock/nwbo#OTCQB">NWBO</a>), Sysorex Inc. (OTCQB: <a class="ticker" href="https://www.benzinga.com/stock/sysx#OTCQB">SYSX</a>) and Netlist Inc. (OTCQB: <a class="ticker" href="https://www.benzinga.com/stock/nlst#OTCQB">NLST</a>) taking positions as first, second and third most traded, respectively.
Fifteen international securities landed a spot among the top 30 most-traded securities. Of these 15 securities, nine are Canadian, three are Australian, one is English, one is South African and one is Swiss.&nbsp;
Other notable movers:&nbsp;
<ul>
<li>Crimson Wine Group Ltd. (OTCQB: <a class="ticker" href="https://www.benzinga.com/stock/cwgl#OTCQB">CWGL</a>) climbed to 24th place in the most-active group and recorded a $2.3 million rise in trading volume compared to last month.&nbsp;</li>
<li>Valour Inc. (OTCQB: <a class="ticker" href="https://www.benzinga.com/stock/deftf#OTCQB">DEFTF</a>) &mdash; formerly DeFi Technologies &mdash; experienced a $1.8 million increase in trading volume compared to March, climbing to 28th place on the OTCQB&rsquo;s Top 30.&nbsp;</li>
</ul>
&nbsp;
The OTCQX And OTCQB Top 10
Below are the top 10 most actively traded securities on the OTCQX Best Market and OTCQB Venture Market in May.&nbsp; 
&nbsp;
OTCQX Top 10:&nbsp;
<table>
<tbody>
<tr>
<td>
Company Name
</td>
<td>
Symbol
</td>
<td>
May Dollar Volume
</td>
</tr>
<tr>
<td>
Roche Holding Ltd.
</td>
<td>
<a href="http://www.otcmarkets.com/stock/RHHBY/quote">RHHBY</a>
</td>
<td>
$3,108,072,993
</td>
</tr>
<tr>
<td>
Grayscale Bitcoin Trust (BTC)
</td>
<td>
<a href="http://www.otcmarkets.com/stock/GBTC/quote">GBTC</a>
</td>
<td>
$2,355,521,125
</td>
</tr>
<tr>
<td>
Grayscale Ethereum Trust (ETH)
</td>
<td>
<a href="http://www.otcmarkets.com/stock/ETHE/quote">ETHE</a>
</td>
<td>
$1,268,944,348
</td>
</tr>
<tr>
<td>
adidas AG
</td>
<td>
<a href="http://www.otcmarkets.com/stock/ADDYY/quote">ADDYY</a>
</td>
<td>
$263,956,485
</td>
</tr>
<tr>
<td>
Infineon Technologies AG
</td>
<td>
<a href="http://www.otcmarkets.com/stock/IFNNY/quote">IFNNY</a>
</td>
<td>
$263,007,230
</td>
</tr>
<tr>
<td>
BNP Paribas
</td>
<td>
<a href="http://www.otcmarkets.com/stock/BNPQY/quote">BNPQY</a>
</td>
<td>
$249,566,004
</td>
</tr>
<tr>
<td>
AXA
</td>
<td>
<a href="https://www.otcmarkets.com/stock/AXAHY/quote">AXAHY</a>
</td>
<td>
$149,918,793
</td>
</tr>
<tr>
<td>
Anglo American PLC
</td>
<td>
<a href="https://www.otcmarkets.com/stock/NGLOY/quote">NGLOY</a>
</td>
<td>
$146,459,165
</td>
</tr>
<tr>
<td>
Sprott Physical Uranium Trust
</td>
<td>
<a href="https://www.otcmarkets.com/stock/SRUUF/quote">SRUFF</a>
</td>
<td>
$131,536,526
</td>
</tr>
<tr>
<td>
Danone
</td>
<td>
<a href="https://www.otcmarkets.com/stock/DANOY/quote">DANOY</a>
</td>
<td>
$120,553,811
</td>
</tr>
</tbody>
</table>
&nbsp;
OTCQB Top 10:&nbsp;
<table>
<tbody>
<tr>
<td>
Company Name
</td>
<td>
Symbol
</td>
<td>
May Dollar Volume
</td>
</tr>
<tr>
<td>
Northwest Biotherapeutics Inc.
</td>
<td>
<a href="http://www.otcmarkets.com/stock/NWBO/quote">NWBO</a>
</td>
<td>
$210,569,559
</td>
</tr>
<tr>
<td>
Sysorex Inc.
</td>
<td>
<a href="https://www.otcmarkets.com/stock/SYSX/quote">SYSX</a>
</td>
<td>
$73,359,234
</td>
</tr>
<tr>
<td>
Netlist Inc.
</td>
<td>
<a href="http://www.otcmarkets.com/stock/NLST/quote">NLST</a>
</td>
<td>
$69,472,655
</td>
</tr>
<tr>
<td>
American Battery Technology Co.
</td>
<td>
<a href="http://www.otcmarkets.com/stock/ABML/quote">ABML</a>
</td>
<td>
$25,739,135
</td>
</tr>
<tr>
<td>
Fannie Mae
</td>
<td>
<a href="http://www.otcmarkets.com/stock/FNMA/quote">FNMA</a>
</td>
<td>
$21,734,158
</td>
</tr>
<tr>
<td>
Lake Resources N.L.
</td>
<td>
<a href="http://www.otcmarkets.com/stock/LLKKF/quote">LLKKF</a>
</td>
<td>
$19,288,365
</td>
</tr>
<tr>
<td>
American Lithium Corp.
</td>
<td>
<a href="http://www.otcmarkets.com/stock/LIACF/quote">LIACF</a>
</td>
<td>
$15,729,513
</td>
</tr>
<tr>
<td>
HUMBL Inc.
</td>
<td>
<a href="http://www.otcmarkets.com/stock/HMBL/quote">HMBL</a>
</td>
<td>
$12,860,334
</td>
</tr>
<tr>
<td>
Freddie Mac
</td>
<td>
<a href="https://www.otcmarkets.com/stock/FMCC/quote">FMCC</a>
</td>
<td>
$11,018,144
</td>
</tr>
<tr>
<td>
Phoenix Rising Cos.
</td>
<td>
<a href="https://www.otcmarkets.com/stock/PRCX/quote">PRCX</a>
</td>
<td>
$10,909,584
</td>
</tr>
</tbody>
</table>
&nbsp;
This post contains sponsored advertising content. This content is for informational purposes only and is not intended to be investing advice.
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The OTC Markets' Most-Active Securities Embrace International Operators As Volatility Envelops Markets In May

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&#128073; Top Things To Know In TradeFi:
<ul>
<li>FTX&nbsp;<a href="https://www.bloomberg.com/news/articles/2022-05-27/crypto-giant-ftx-ready-with-billions-of-dollars-for-acquisitions?srnd=premium&amp;utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-_6UdAFCe8ILsrmluJwBR1oX-wKF9r_kLhlNffyVVV2JGBtxQfUtbOromh48FGIbJTGG9rC" target="_blank">ready</a>&nbsp;w/billions for acquisitions</li>
<li>Bibit&nbsp;<a href="https://www.businesstimes.com.sg/garage/indonesia-based-digital-investment-app-bibit-bags-us80m-round-led-by-gic?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-_6UdAFCe8ILsrmluJwBR1oX-wKF9r_kLhlNffyVVV2JGBtxQfUtbOromh48FGIbJTGG9rC" target="_blank">adds</a>&nbsp;$80M in round led by GIC</li>
<li>Jupiter&nbsp;<a href="https://www.businesswire.com/news/home/20220526005802/en/Jupiter-Exchange-Raises-5-Million-in-Seed-Funding-for-First-Publicly-Available-Alternative-Asset-Exchange?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-_6UdAFCe8ILsrmluJwBR1oX-wKF9r_kLhlNffyVVV2JGBtxQfUtbOromh48FGIbJTGG9rC" target="_blank">secures</a>&nbsp;$5M in seed funding</li>
<li>FTX&rsquo;s SBF and the&nbsp;<a href="https://www.netinterest.co/p/sbf-and-the-future-of-markets-d79?r=d552z&amp;s=r&amp;utm_campaign=post&amp;utm_medium=web&amp;_hsenc=p2ANqtz-_6UdAFCe8ILsrmluJwBR1oX-wKF9r_kLhlNffyVVV2JGBtxQfUtbOromh48FGIbJTGG9rC" target="_blank">future</a>&nbsp;of markets</li>
<li>Bitso looked to&nbsp;<a href="https://www.theblockcrypto.com/linked/149092/crypto-exchange-bitso-lays-off-80-employees-coindesk-reports?utm_source=newsletter&amp;utm_medium=email&amp;utm_campaign=newsletter_axioscryptocurrency&amp;stream=business&amp;_hsenc=p2ANqtz-_6UdAFCe8ILsrmluJwBR1oX-wKF9r_kLhlNffyVVV2JGBtxQfUtbOromh48FGIbJTGG9rC" target="_blank">lay off</a>&nbsp;staff members</li>
<li>Fidelity &amp; Conquest have&nbsp;<a href="https://www.finextra.com/pressarticle/92779/fidelity-partners-with-canadian-fintech-conquest-to-support-advisers?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-_6UdAFCe8ILsrmluJwBR1oX-wKF9r_kLhlNffyVVV2JGBtxQfUtbOromh48FGIbJTGG9rC" target="_blank">teamed</a>&nbsp;up</li>
<li>Robinhood to&nbsp;<a href="https://www.pymnts.com/legal/2022/robinhood-close-to-resolving-2020-outage-lawsuit/?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-_6UdAFCe8ILsrmluJwBR1oX-wKF9r_kLhlNffyVVV2JGBtxQfUtbOromh48FGIbJTGG9rC" target="_blank">resolve</a>&nbsp;outage lawsuit (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/hood#NASDAQ">HOOD</a>)</li>
<li>Option Alpha&nbsp;<a href="https://www.benzinga.com/fintech/22/05/27434761/option-alpha-founder-and-ceo-on-giving-people-the-tools-to-automate-their-trading?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-_6UdAFCe8ILsrmluJwBR1oX-wKF9r_kLhlNffyVVV2JGBtxQfUtbOromh48FGIbJTGG9rC" target="_blank">adds</a>&nbsp;to auto trade tool</li>
</ul>
&#128073; Top Things To Know In Fintech:
<ul>
<li>Abra CEO&nbsp;<a href="https://www.benzinga.com/fintech/22/05/27434537/abra-ceo-talks-consumer-facing-crypto-problems-to-solve-and-ust-stablecoin?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-_6UdAFCe8ILsrmluJwBR1oX-wKF9r_kLhlNffyVVV2JGBtxQfUtbOromh48FGIbJTGG9rC" target="_blank">unpacked</a>&nbsp;future of banks</li>
<li>Web3 firm Colle&nbsp;<a href="https://www.benzinga.com/fintech/22/05/27434262/web3-marketplace-colle-initiates-launch-of-nft-backed-marketplace-pilot?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-_6UdAFCe8ILsrmluJwBR1oX-wKF9r_kLhlNffyVVV2JGBtxQfUtbOromh48FGIbJTGG9rC" target="_blank">started</a>&nbsp;marketplace</li>
<li>Jetty&nbsp;<a href="https://www.crowdfundinsider.com/2022/05/191603-financial-services-firm-jetty-receives-investment-from-paypal-ventures-experian-ventures/?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-_6UdAFCe8ILsrmluJwBR1oX-wKF9r_kLhlNffyVVV2JGBtxQfUtbOromh48FGIbJTGG9rC" target="_blank">bags</a>&nbsp;PayPal &amp; Experian funds (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/pypl#NYSE">PYPL</a>) (OTC: <a class="ticker" href="https://www.benzinga.com/stock/expgy#OTC">EXPGY</a>)</li>
<li>Altan bags $4M,&nbsp;<a href="https://www.businesswire.com/news/home/20220524005102/en/Altan-Insights-Launches-Alternative-Asset-Intelligence-Platform-Raises-4M-Seed-Round?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-_6UdAFCe8ILsrmluJwBR1oX-wKF9r_kLhlNffyVVV2JGBtxQfUtbOromh48FGIbJTGG9rC" target="_blank">intros</a>&nbsp;intel platform</li>
<li>Terra&nbsp;<a href="https://www.theblockcrypto.com/post/149127/terra-gets-second-life-as-new-blockchain-goes-live-with-luna-2-0-airdrop?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-_6UdAFCe8ILsrmluJwBR1oX-wKF9r_kLhlNffyVVV2JGBtxQfUtbOromh48FGIbJTGG9rC" target="_blank">gets</a>&nbsp;a second life amid airdrop</li>
<li>Hotels&nbsp;<a href="https://www.wsj.com/articles/hotels-using-nfts-to-create-a-stubhub-for-lodging-reservations-11653393601?mod=rss_Technology&amp;utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-_6UdAFCe8ILsrmluJwBR1oX-wKF9r_kLhlNffyVVV2JGBtxQfUtbOromh48FGIbJTGG9rC" target="_blank">tap</a>&nbsp;into NFTs for reservations</li>
<li>Jar&nbsp;<a href="https://techcrunch.com/2022/05/27/indian-fintech-jar-eyes-50-million-investment/?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-_6UdAFCe8ILsrmluJwBR1oX-wKF9r_kLhlNffyVVV2JGBtxQfUtbOromh48FGIbJTGG9rC" target="_blank">eyeing</a>&nbsp;$50M fintech investment</li>
<li>Nomad&nbsp;<a href="https://contxto.com/en/uncategorized/nomad-a-fintech-that-allows-brazilians-to-open-accounts-in-the-us-raises-over-us32-million/?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-_6UdAFCe8ILsrmluJwBR1oX-wKF9r_kLhlNffyVVV2JGBtxQfUtbOromh48FGIbJTGG9rC" target="_blank">adds</a>&nbsp;$32M for banking tech</li>
<li>LQwD Fintech&nbsp;<a href="https://www.newswire.ca/news-releases/lqwd-fintech-corp-announces-new-director-841098354.html?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-_6UdAFCe8ILsrmluJwBR1oX-wKF9r_kLhlNffyVVV2JGBtxQfUtbOromh48FGIbJTGG9rC" target="_blank">secures</a>&nbsp;a new leader</li>
<li>A full&nbsp;<a href="https://www.theblockcrypto.com/post/149186/heres-a-full-draft-of-senator-cynthia-lummis-landmark-crypto-bill?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-_6UdAFCe8ILsrmluJwBR1oX-wKF9r_kLhlNffyVVV2JGBtxQfUtbOromh48FGIbJTGG9rC" target="_blank">draft</a>&nbsp;of C. Lummins&rsquo; crypto bill</li>
<li>NAB is&nbsp;<a href="https://www.finextra.com/newsarticle/40331/nab-to-launch-bnpl-product?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-_6UdAFCe8ILsrmluJwBR1oX-wKF9r_kLhlNffyVVV2JGBtxQfUtbOromh48FGIbJTGG9rC" target="_blank">launching</a>&nbsp;new BNPL product</li>
<li>Lenders&nbsp;<a href="https://thepaypers.com/payments-general/loan-comparison-platform-lenders-partners-with-nordigen--1256623?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-_6UdAFCe8ILsrmluJwBR1oX-wKF9r_kLhlNffyVVV2JGBtxQfUtbOromh48FGIbJTGG9rC" target="_blank">tapped</a>&nbsp;into Nordigen offers</li>
<li>Buterin&nbsp;<a href="https://www.bloomberg.com/news/articles/2022-05-26/ethereum-founder-buterin-blasts-defi-model-in-terra-critique?utm_source=newsletter&amp;utm_medium=email&amp;utm_campaign=newsletter_axioscryptocurrency&amp;stream=business&amp;_hsenc=p2ANqtz-_6UdAFCe8ILsrmluJwBR1oX-wKF9r_kLhlNffyVVV2JGBtxQfUtbOromh48FGIbJTGG9rC" target="_blank">blasts</a>&nbsp;DeFi model in critique</li>
<li>Konfio&nbsp;<a href="https://contxto.com/en/uncategorized/konfio-receives-financing-to-support-women-led-smes/?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-_6UdAFCe8ILsrmluJwBR1oX-wKF9r_kLhlNffyVVV2JGBtxQfUtbOromh48FGIbJTGG9rC" target="_blank">added</a>&nbsp;loan for SME offerings</li>
</ul>
&#128073; Interesting Reads:
<ul>
<li>Data&nbsp;<a href="https://www.bloomberg.com/news/articles/2022-05-28/us-economic-data-signals-firmer-growth-that-may-ease-by-yearend?srnd=premium&amp;utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-_6UdAFCe8ILsrmluJwBR1oX-wKF9r_kLhlNffyVVV2JGBtxQfUtbOromh48FGIbJTGG9rC" target="_blank">showing</a>&nbsp;firm growth may ease</li>
<li>The electric train that&nbsp;<a href="https://jalopnik.com/these-electric-trains-never-need-recharging-thanks-to-r-1848975204?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-_6UdAFCe8ILsrmluJwBR1oX-wKF9r_kLhlNffyVVV2JGBtxQfUtbOromh48FGIbJTGG9rC" target="_blank">doesn&rsquo;t</a>&nbsp;charge</li>
<li><a href="https://www.bloomberg.com/news/articles/2022-05-28/charting-the-global-economy-export-limits-worsen-food-security?srnd=premium&amp;utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-_6UdAFCe8ILsrmluJwBR1oX-wKF9r_kLhlNffyVVV2JGBtxQfUtbOromh48FGIbJTGG9rC" target="_blank">Charting</a>&nbsp;the economy, food security</li>
<li>U.S. companies that are&nbsp;<a href="http://links.email.crunchbase.com/u/click?_t=071ea1d6efd844c0a60f7d7dc2214a93&amp;_m=9c624cbf46fe4986a7db4047467a8204&amp;_e=O0vb54cCrvf1XeyS-UJ-JwB2JALSiuhNHiOTlaFOX19K0wuMgyb-DQakK0lpVAdy8RaizhSUl05PoqSodf53xifs5XcsuSr-uswdr4dcCTWx4hG1GAUlAlrlWUwCbMlDi_pqWa96rMEsLffzVyrulBNZgtykc_akEsdwxP_vNicV3RDuDCzZKeIaNMKvve1SKZa_R1JC5eGIL9-ue25q0TdveaIGIkpz4DiKw2i72Pn7Evy7w8l9TZ-PSfhq9tEkolyAbp7joIPXgpyRMwyGz-d5KtpU6xGYHquM53-bo2peBaf92A8eYV23Z7JFvPyrimX6keU96WkVPvuLJFwbKV0gZkWw1QzSVQmt9t-oAs_QPB_E25rP02mRANJEEn4i&amp;utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-_6UdAFCe8ILsrmluJwBR1oX-wKF9r_kLhlNffyVVV2JGBtxQfUtbOromh48FGIbJTGG9rC" target="_blank">cutting</a>&nbsp;jobs</li>
<li>Brainard&nbsp;<a href="https://www.bankingdive.com/news/cbdc-stablecoins-and-commercial-bank-money-can-coexist-brainard-says/624550/?utm_source=Sailthru&amp;utm_medium=email&amp;utm_campaign=Issue%3A%202022-05-27%20Banking%20Dive%20%5Bissue%3A42046%5D&amp;utm_term=Banking%20Dive&amp;_hsenc=p2ANqtz-_6UdAFCe8ILsrmluJwBR1oX-wKF9r_kLhlNffyVVV2JGBtxQfUtbOromh48FGIbJTGG9rC" target="_blank">on</a>&nbsp;CBDCs and stablecoins</li>
<li>a16z&nbsp;<a href="https://a16zcrypto.com/state-of-crypto-report-a16z-2022/?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-_6UdAFCe8ILsrmluJwBR1oX-wKF9r_kLhlNffyVVV2JGBtxQfUtbOromh48FGIbJTGG9rC" target="_blank">Report</a>: State of crypto in 2022</li>
<li>Chicago man&nbsp;<a href="https://www.zerohedge.com/political/watch-photo-bomb-chicago-style-man-points-gun-live-tv-crew?utm_source=&amp;utm_medium=email&amp;utm_campaign=689&amp;_hsenc=p2ANqtz-_6UdAFCe8ILsrmluJwBR1oX-wKF9r_kLhlNffyVVV2JGBtxQfUtbOromh48FGIbJTGG9rC" target="_blank">points</a>&nbsp;gun at TV crew</li>
<li>GS pushing unlimited vacation&nbsp;<a href="https://link.bankingdive.com/click/27864617.21223/aHR0cHM6Ly93d3cubnl0aW1lcy5jb20vMjAyMi8wNS8yNy9idXNpbmVzcy9nb2xkbWFuLXNhY2hzLXVubGltaXRlZC12YWNhdGlvbi5odG1s/5d9661179c625f26832f707aB4040d1c0?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-_6UdAFCe8ILsrmluJwBR1oX-wKF9r_kLhlNffyVVV2JGBtxQfUtbOromh48FGIbJTGG9rC" target="_blank">move</a>&nbsp;(NYSE: <a class="ticker" href="https://www.benzinga.com/stock/gs#NYSE">GS</a>)</li>
<li>FTX derivatives head&nbsp;<a href="https://twitter.com/zachdex/status/1529945556990107648?s=20&amp;t=dAmLYBctZpS6-mPRiWxGpQ&amp;utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-_6UdAFCe8ILsrmluJwBR1oX-wKF9r_kLhlNffyVVV2JGBtxQfUtbOromh48FGIbJTGG9rC" target="_blank">on</a>&nbsp;CFTC talks</li>
<li>An&nbsp;<a href="https://genesisvolatility.substack.com/p/educational-video-charm-and-vanna?r=d552z&amp;s=r&amp;utm_campaign=post&amp;utm_medium=web&amp;_hsenc=p2ANqtz-_6UdAFCe8ILsrmluJwBR1oX-wKF9r_kLhlNffyVVV2JGBtxQfUtbOromh48FGIbJTGG9rC" target="_blank">explainer</a>&nbsp;of second-order greeks</li>
</ul>

HOOD

PYPL

Top News In Fintech And Beyond For May 31, 2022

<img alt="Fintech Header" src="https://cdn2.hubspot.net/hub/2786381/hubfs/Fintech%20Header.png?upscale=true&amp;width=800&amp;upscale=true&amp;name=Fintech%20Header.png" />
&#128073; Top Things To Know In TradeFi:
<ul>
<li>Goldman&nbsp;<a href="https://www.marketsmedia.com/goldman-sachs-leads-funding-in-elwood-technologies/?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz--0eE_96hyHUWoGKmqO_OaEkrmfj3bC4qbMTTWgGslvmgohE8dwMprZjy7gSe2CWfDWAKOo" target="_blank">led</a>&nbsp;Elwood Tech Series A (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/gs#NYSE">GS</a>)</li>
<li>Voyager&rsquo;s CEO&nbsp;<a href="https://www.crowdfundinsider.com/2022/05/191005-steve-ehrlich-ceo-of-voyager-digital-comments-on-collapsing-crypto-stock-markets-when-will-the-pain-end/?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz--0eE_96hyHUWoGKmqO_OaEkrmfj3bC4qbMTTWgGslvmgohE8dwMprZjy7gSe2CWfDWAKOo" target="_blank">unpacks</a>&nbsp;market fall (OTC: <a class="ticker" href="https://www.benzinga.com/stock/vygvf#OTC">VYGVF</a>)</li>
<li>Bundle&nbsp;<a href="https://punchng.com/crypto-trading-app-hits-700000-users-in-nigeria-ghana/?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz--0eE_96hyHUWoGKmqO_OaEkrmfj3bC4qbMTTWgGslvmgohE8dwMprZjy7gSe2CWfDWAKOo" target="_blank">passed</a>&nbsp;700K users in Africa</li>
<li>BP Wealth&nbsp;<a href="https://www.prnewswire.com/in/news-releases/broking-firm-bp-wealth-launches-its-b2c-retail-offering-stoxbox-india-s-first-subscription-based-retail-brokerage-app-892069941.html?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz--0eE_96hyHUWoGKmqO_OaEkrmfj3bC4qbMTTWgGslvmgohE8dwMprZjy7gSe2CWfDWAKOo" target="_blank">enters</a>&nbsp;retail broking mkt</li>
<li>SBF&nbsp;<a href="https://techcrunch.com/2022/05/16/blockchain-billionaire-sam-bankman-fried-roasts-bitcoin-popular-cryptocurrency/?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz--0eE_96hyHUWoGKmqO_OaEkrmfj3bC4qbMTTWgGslvmgohE8dwMprZjy7gSe2CWfDWAKOo" target="_blank">shoots</a>&nbsp;down BTC for payment</li>
<li>AI-focused Strikes&nbsp;<a href="https://dailybusinessgroup.co.uk/2022/05/glasgow-based-stock-trading-app-prepares-for-launch/?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz--0eE_96hyHUWoGKmqO_OaEkrmfj3bC4qbMTTWgGslvmgohE8dwMprZjy7gSe2CWfDWAKOo" target="_blank">preparing</a>&nbsp;launch</li>
</ul>
&#128073; Top Things To Know In Fintech:
<ul>
<li>NatWest bank brands&nbsp;<a href="https://www.finextra.com/newsarticle/40251/natwest-bank-brands-fined-for-overcharging-interchange-fees?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz--0eE_96hyHUWoGKmqO_OaEkrmfj3bC4qbMTTWgGslvmgohE8dwMprZjy7gSe2CWfDWAKOo" target="_blank">fined</a>&nbsp;for fees</li>
<li>Ant aiming to&nbsp;<a href="https://www.newsbreak.com/news/2602674387066/fintech-ant-group-hiring-across-singapore-for-digital-bank?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz--0eE_96hyHUWoGKmqO_OaEkrmfj3bC4qbMTTWgGslvmgohE8dwMprZjy7gSe2CWfDWAKOo" target="_blank">hire</a>&nbsp;for digital banking</li>
<li>Nomura looking to&nbsp;<a href="https://www.theblockcrypto.com/post/147083/japans-largest-investment-bank-nomura-to-launch-crypto-arm-ft-reports?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz--0eE_96hyHUWoGKmqO_OaEkrmfj3bC4qbMTTWgGslvmgohE8dwMprZjy7gSe2CWfDWAKOo" target="_blank">add</a>&nbsp;a crypto arm (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/nmr#NYSE">NMR</a>)</li>
<li>Luna&nbsp;<a href="https://www.theblockcrypto.com/linked/147014/luna-foundation-guard-breaks-silence-on-state-of-terra-reserves-looks-to-compensate-users?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz--0eE_96hyHUWoGKmqO_OaEkrmfj3bC4qbMTTWgGslvmgohE8dwMprZjy7gSe2CWfDWAKOo" target="_blank">depleted</a>&nbsp;$3B reserve for UST</li>
<li>Osmosis&nbsp;<a href="https://www.crowdfundinsider.com/2022/05/191051-osmosis-introduces-grants-program-to-expand-interchain-defi-ecosystem/?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz--0eE_96hyHUWoGKmqO_OaEkrmfj3bC4qbMTTWgGslvmgohE8dwMprZjy7gSe2CWfDWAKOo" target="_blank">starting</a>&nbsp;a Grants Program</li>
<li>Revolut still&nbsp;<a href="https://www.verdict.co.uk/revolut-continues-trend-of-older-users-adopting-fintech/?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz--0eE_96hyHUWoGKmqO_OaEkrmfj3bC4qbMTTWgGslvmgohE8dwMprZjy7gSe2CWfDWAKOo" target="_blank">adds</a>&nbsp;a lot of&nbsp;older&nbsp;users</li>
<li>Axway, Cloudentity&nbsp;<a href="https://www.crowdfundinsider.com/2022/05/191008-axway-partners-with-cloudentity-to-support-open-banking-adoption-in-north-america/?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz--0eE_96hyHUWoGKmqO_OaEkrmfj3bC4qbMTTWgGslvmgohE8dwMprZjy7gSe2CWfDWAKOo" target="_blank">team</a>&nbsp;on banking&nbsp;</li>
<li>Mindtree, Finastra&nbsp;<a href="https://fintechmagazine.com/financial-services-finserv/mindtree-and-finastra-to-deliver-managed-payment-services?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz--0eE_96hyHUWoGKmqO_OaEkrmfj3bC4qbMTTWgGslvmgohE8dwMprZjy7gSe2CWfDWAKOo" target="_blank">eyeing</a>&nbsp;payments</li>
<li>Griffin&nbsp;<a href="https://www.lendacademy.com/uk-based-baas-fintech-griffin-applies-for-banking-licence/?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz--0eE_96hyHUWoGKmqO_OaEkrmfj3bC4qbMTTWgGslvmgohE8dwMprZjy7gSe2CWfDWAKOo" target="_blank">applying</a>&nbsp;for a banking license</li>
<li>China scrutiny&nbsp;<a href="https://www.reuters.com/markets/us/china-scrutiny-stymies-jdcom-fintech-units-2-bln-hong-kong-ipo-sources-2022-05-12/?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz--0eE_96hyHUWoGKmqO_OaEkrmfj3bC4qbMTTWgGslvmgohE8dwMprZjy7gSe2CWfDWAKOo" target="_blank">stymies</a>&nbsp;JD.com IPO</li>
<li>PayPal vets&nbsp;<a href="https://techcrunch.com/2022/05/16/three-paypal-ventures-alums-strike-out-with-their-own-158m-fund/?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz--0eE_96hyHUWoGKmqO_OaEkrmfj3bC4qbMTTWgGslvmgohE8dwMprZjy7gSe2CWfDWAKOo" target="_blank">start</a>&nbsp;a new fintech fund (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/pypl#NASDAQ">PYPL</a>)</li>
<li>TrueLayer &amp; Monoova&nbsp;<a href="https://www.crowdfundinsider.com/2022/05/191041-monoova-and-fintech-truelayer-to-introduce-data-enabled-payments-in-australia-via-the-consumer-data-right/?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz--0eE_96hyHUWoGKmqO_OaEkrmfj3bC4qbMTTWgGslvmgohE8dwMprZjy7gSe2CWfDWAKOo" target="_blank">partnering</a>&nbsp;up</li>
<li>Temenos&nbsp;<a href="https://www.finextra.com/pressarticle/92635/temenos-appoints-new-president-for-americas?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz--0eE_96hyHUWoGKmqO_OaEkrmfj3bC4qbMTTWgGslvmgohE8dwMprZjy7gSe2CWfDWAKOo" target="_blank">taps</a>&nbsp;a new American lead (OTC: <a class="ticker" href="https://www.benzinga.com/stock/tmsny#OTC">TMSNY</a>)</li>
<li>Cuvva&nbsp;<a href="https://www.crowdfundinsider.com/2022/05/191128-uk-insurtech-cuvva-to-acquire-capital-via-crowdfunding-campaign-to-accelerate-growth-of-car-sharing/?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz--0eE_96hyHUWoGKmqO_OaEkrmfj3bC4qbMTTWgGslvmgohE8dwMprZjy7gSe2CWfDWAKOo" target="_blank">seeking</a>&nbsp;a crowdfunding raise</li>
<li>Experian to&nbsp;<a href="https://www.finextra.com/pressarticle/92638/experian-to-acquire-majority-stake-in-brazil-based-mova-for-79mn?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz--0eE_96hyHUWoGKmqO_OaEkrmfj3bC4qbMTTWgGslvmgohE8dwMprZjy7gSe2CWfDWAKOo" target="_blank">acquire</a>&nbsp;a stake in Mova (OTC: <a class="ticker" href="https://www.benzinga.com/stock/expgy#OTC">EXPGY</a>)</li>
<li>Solidus Labs&nbsp;<a href="https://www.marketsmedia.com/crypto-market-integrity-and-risk-monitoring-firm-raises-45m/?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz--0eE_96hyHUWoGKmqO_OaEkrmfj3bC4qbMTTWgGslvmgohE8dwMprZjy7gSe2CWfDWAKOo" target="_blank">taps</a>&nbsp;$45M in Series B</li>
</ul>
&#128073; Interesting Reads:
<ul>
<li>MS&rsquo;s Wilson&nbsp;<a href="https://www.bloomberg.com/news/articles/2022-05-16/morgan-stanley-s-wilson-sees-new-s-p-500-losses-after-bear-rally?srnd=premium&amp;utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz--0eE_96hyHUWoGKmqO_OaEkrmfj3bC4qbMTTWgGslvmgohE8dwMprZjy7gSe2CWfDWAKOo" target="_blank">seeing</a>&nbsp;SPX falling apart (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/ms#NYSE">MS</a>)</li>
<li><a href="https://www.nytimes.com/2022/05/16/movies/diamond-hands-wallstreetbets-review.html?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz--0eE_96hyHUWoGKmqO_OaEkrmfj3bC4qbMTTWgGslvmgohE8dwMprZjy7gSe2CWfDWAKOo" target="_blank">Review</a>:&nbsp;MSNBC&#39;s WSB documentary&nbsp;</li>
<li>China&rsquo;s economic activity&nbsp;<a href="https://www.bloomberg.com/news/articles/2022-05-16/china-s-economy-contracts-sharply-as-covid-zero-curbs-output?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz--0eE_96hyHUWoGKmqO_OaEkrmfj3bC4qbMTTWgGslvmgohE8dwMprZjy7gSe2CWfDWAKOo" target="_blank">collapses</a></li>
<li>Chris Steele&nbsp;<a href="https://www.businessinsider.com/putin-is-seriously-ill-according-trump-pee-tape-spys-sources-2022-5?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz--0eE_96hyHUWoGKmqO_OaEkrmfj3bC4qbMTTWgGslvmgohE8dwMprZjy7gSe2CWfDWAKOo" target="_blank">saying</a>&nbsp;Putin is really ill</li>
<li>Nuveen&nbsp;<a href="https://finledger.com/2022/05/10/nuveen-launches-new-investing-sector-seeks-to-hold-over-15b-in-impact-real-estate-assets-by-2026/?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz--0eE_96hyHUWoGKmqO_OaEkrmfj3bC4qbMTTWgGslvmgohE8dwMprZjy7gSe2CWfDWAKOo" target="_blank">starts</a>&nbsp;new investing sector</li>
<li>Spotify&nbsp;<a href="https://www.theblockcrypto.com/post/147064/spotify-starts-trialing-nfts-on-its-platform-music-ally-reports?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz--0eE_96hyHUWoGKmqO_OaEkrmfj3bC4qbMTTWgGslvmgohE8dwMprZjy7gSe2CWfDWAKOo" target="_blank">hosted</a>&nbsp;NFT trial its platform (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/spot#NYSE">SPOT</a>)</li>
</ul>

SPOT

TMSNY

VYGVF

Top News In Fintech And Beyond For May 17, 2022

Photo by Becca on <a href="https://unsplash.com/photos/_r6w0R6SueQ">Unsplash</a>
This post contains sponsored advertising content. This content is for informational purposes only and is not intended to be investing advice.
First-quarter 2022 market performance results seem arguably clear: bears are currently happy with the world&rsquo;s financial markets.&nbsp;
Exchange-traded funds (ETFs) that track major indices tell this story with relative clarity. SPDR S&amp;P 500 Exchange Traded Fund (NYSE Arca: SPY), the Fidelity Nasdaq Composite Index ETF (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/oneq#NASDAQ">ONEQ</a>) and the SPDR Dow Jones Industrial Average ETF (NYSE Arca: DIA) all experienced drawbacks in April.&nbsp;&nbsp;
Germany&rsquo;s Global X DAX ETF (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/dax#NASDAQ">DAX</a>), Japan&rsquo;s iShares MSCI Index Fund (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/ewj#NYSE">EWJ</a>) and Australia&rsquo;s iShares MSCI Index Fund (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/ewa#NYSE">EWA</a>) mirrored the U.S.&rsquo;s ETF trend, experiencing similar price declines.
On a macro level, the Federal Reserve&rsquo;s decision to impose <a href="https://www.reuters.com/business/fed-raise-rates-aggressively-coming-months-say-economists-2022-04-11/">multiple federal rate hikes</a> and the war between Russia and Ukraine are often cited as some of the largest reasons that leave investors cautious for the remainder of the year.&nbsp;
OTC Markets Group Inc. (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/otcm#OTCQX">OTCM</a>) was not immune to market influences in April. The operator of regulated markets reported a total monthly dollar volume of $40.6 billion, compared to $57.4 billion in March. Despite this reduction, the OTCQX Best Market and OTCQB Venture Market maintained a strong international presence and witnessed rising trading volume in select securities.&nbsp;
<h3>The OTCQX Best Market Most-Active Securities Welcomes New Faces</h3>
The OTCQX Best Market recorded a total of $10.5 billion in trading volume in April, a slight decrease from March&rsquo;s $12.4 billion figure.&nbsp;
The top three most-active securities on the OTCQX were Grayscale Bitcoin Trust (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/gbtc#OTCQX">GBTC</a>), Grayscale Ethereum Trust (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/ethe#OTCQX">ETHE</a>) and Roche Holdings AG (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/rhhby#OTCQX">RHHBY</a>), the last of which rose from third-most-traded security in March to the first-most-traded in April.&nbsp;
The OTCQX&rsquo;s top 10 most-active securities experienced a slight reshuffle in April, welcoming three new companies: ASM International N.V. (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/asmiy#OTCQX">ASMIY</a>), Anglo American plc (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/ngloy#OTCQX">NGLOY</a>) and Tesco PLC (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/tscdy#OTCQX">TSCDY</a>).&nbsp;
On its rise to fourth place on OTCQX&rsquo;s Most Active Securities list, ASM recorded a significant increase in trading volume compared to last month. The Netherlands-headquartered company specializes in the design, manufacturing, sales and service of semiconductor devices.&nbsp;
International operators, once again, maintain a strong presence on OTCQX composing 21 of the top 30 securities. France&rsquo;s BNP Paribas S.A. (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/bnpqy#OTCQX">BNPQY</a>) and Germany&rsquo;s Infineon Technologies AG (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/ifnny#OTCQX">IFNNY</a>), adidas AG (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/addyy#OTCQX">ADDYY</a>) and BASF SE (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/basfy#OTCQX">BASFY</a>) were again on the OTCQX top 10 most active securities, while Ireland&rsquo;s Experian plc (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/expgy#OTCQX">EXPGY</a>) and South Africa&rsquo;s Impala Platinum Holdings Ltd. (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/impuy#OTCQX">IMPUY</a>) made it among April&rsquo;s top 30 most active securities.&nbsp;
<h3>The OTCQB Venture Market Holds Steady Amid Market Uncertainty</h3>
The OTCQB Venture Market recorded a total of $1.1 billion dollars in trading volume in April, a slight decrease from March&rsquo;s $1.2 billion figure.&nbsp;
Nine of the 10 securities on March&rsquo;s Top Most-Traded Securities on the OTCQB retained their spots on April&rsquo;s list with Lithium Corp. (OTCQB: <a class="ticker" href="https://www.benzinga.com/stock/ltum#OTCQB">LTUM</a>) representing the new face on the block.
The presence of international operators on the OTCQB Best Market was reinvigorated in April, with 17 internationals landing a spot among the top 30 most-traded securities, up from 13 in March. Of these 17 securities, 11 are Canadian, four are Australian, one is English and one is from Hong Kong.&nbsp;
Other notable movers:&nbsp;
Sprott Physical Uranium Trust Fund (OTCQB: <a class="ticker" href="https://www.benzinga.com/stock/sruuf#OTCQB">SRUUF</a>) retained its title as the most-traded security on OTCQB.&nbsp;
Lithium Corp. (OTCQB: <a class="ticker" href="https://www.benzinga.com/stock/liacf#OTCQB">LIACF</a>) climbed to 10th place in the most-active group and recorded a $16.3 million rise in trading volume compared to last month.&nbsp;
Voxtur Analytics Corp. (OTCQB: <a class="ticker" href="https://www.benzinga.com/stock/vxtrf#OTCQB">VXTRF</a>) experienced an $8.7 million increase in trading volume compared to March, climbing to 13th place on the OTCQB&rsquo;s Top 30.&nbsp;
Sysorex Inc. (OTCQB: <a class="ticker" href="https://www.benzinga.com/stock/sysx#OTCQB">SYSX</a>) recorded an $8.3 million increase in trading volume compared to March, climbing to 14th place on the OTCQB&rsquo;s Top 30.&nbsp;
&nbsp;
The OTCQX And OTCQB Top 10
Below are the top 10 most actively traded securities on the OTCQX Best Market and OTCQB Venture Market in April.&nbsp;
<h3>OTCQX Top 10:&nbsp;</h3>
<table>
<tbody>
<tr>
<td>
Company Name
</td>
<td>
Symbol
</td>
<td>
April Dollar Volume
</td>
</tr>
<tr>
<td>
Roche Holding Ltd.
</td>
<td>
<a href="http://www.otcmarkets.com/stock/RHHBY/quote">RHHBY</a>
</td>
<td>
$2,568,362,759
</td>
</tr>
<tr>
<td>
Grayscale Bitcoin Trust (BTC)
</td>
<td>
<a href="http://www.otcmarkets.com/stock/GBTC/quote">GBTC</a>
</td>
<td>
$2,129,693,873
</td>
</tr>
<tr>
<td>
Grayscale Ethereum Trust (ETH)
</td>
<td>
<a href="http://www.otcmarkets.com/stock/ETHE/quote">ETHE</a>
</td>
<td>
$1,408,802,906
</td>
</tr>
<tr>
<td>
ASM International N.V.
</td>
<td>
<a href="https://www.otcmarkets.com/stock/ASMIY/quote">ASMIY</a>
</td>
<td>
$381,942,111
</td>
</tr>
<tr>
<td>
BNP Paribas
</td>
<td>
<a href="http://www.otcmarkets.com/stock/BNPQY/quote">BNPQY</a>
</td>
<td>
$253,837,027
</td>
</tr>
<tr>
<td>
adidas AG
</td>
<td>
<a href="http://www.otcmarkets.com/stock/ADDYY/quote">ADDYY</a>
</td>
<td>
$230,799,211
</td>
</tr>
<tr>
<td>
Anglo American plc
</td>
<td>
<a href="https://www.otcmarkets.com/stock/NGLOY/quote">NGLOY</a>
</td>
<td>
$180,932,341
</td>
</tr>
<tr>
<td>
Tesco PLC
</td>
<td>
<a href="https://www.otcmarkets.com/stock/TSCDY/quote">TSCDY</a>
</td>
<td>
$174,185,722
</td>
</tr>
<tr>
<td>
Infineon Technologies AG
</td>
<td>
<a href="http://www.otcmarkets.com/stock/IFNNY/quote">IFNNY</a>
</td>
<td>
$153,365,066
</td>
</tr>
<tr>
<td>
BASF SE
</td>
<td>
<a href="https://www.otcmarkets.com/stock/BASFY/quote">BASFY</a>
</td>
<td>
$149,759,441
</td>
</tr>
</tbody>
</table>
&nbsp;
<h3>OTCQB Top 10:&nbsp;</h3>
<table>
<tbody>
<tr>
<td>
Company Name
</td>
<td>
Symbol
</td>
<td>
April Dollar Volume
</td>
</tr>
<tr>
<td>
Sprott Physical Uranium Trust
</td>
<td>
<a href="http://www.otcmarkets.com/stock/SRUUF/quote">SRUUF</a>
</td>
<td>
$105,514,973
</td>
</tr>
<tr>
<td>
American Battery Technology Co.
</td>
<td>
<a href="http://www.otcmarkets.com/stock/ABML/quote">ABML</a>
</td>
<td>
$75,013,310
</td>
</tr>
<tr>
<td>
Lake Resources N.L.
</td>
<td>
<a href="http://www.otcmarkets.com/stock/LLKKF/quote">LLKKF</a>
</td>
<td>
$39,864,281
</td>
</tr>
<tr>
<td>
Northwest Biotherapeutics Inc.
</td>
<td>
<a href="http://www.otcmarkets.com/stock/NWBO/quote">NWBO</a>
</td>
<td>
$32,245,062
</td>
</tr>
<tr>
<td>
Netlist Inc.
</td>
<td>
<a href="http://www.otcmarkets.com/stock/NLST/quote">NLST</a>
</td>
<td>
$28,761,916
</td>
</tr>
<tr>
<td>
Fannie Mae
</td>
<td>
<a href="http://www.otcmarkets.com/stock/FNMA/quote">FNMA</a>
</td>
<td>
$21,682,815
</td>
</tr>
<tr>
<td>
American Lithium Corp.
</td>
<td>
<a href="http://www.otcmarkets.com/stock/LIACF/quote">LIACF</a>
</td>
<td>
$20,803,240
</td>
</tr>
<tr>
<td>
HUMBL Inc.
</td>
<td>
<a href="http://www.otcmarkets.com/stock/HMBL/quote">HMBL</a>
</td>
<td>
$18,146,178
</td>
</tr>
<tr>
<td>
CytoDyn Inc.
</td>
<td>
<a href="http://www.otcmarkets.com/stock/CYDY/quote">CYDY</a>
</td>
<td>
$18,145,417
</td>
</tr>
<tr>
<td>
Lithium Corp.
</td>
<td>
<a href="https://www.otcmarkets.com/stock/LTUM/quote">LTUM</a>
</td>
<td>
$17,340,284
</td>
</tr>
</tbody>
</table>
&nbsp;
This post contains sponsored advertising content. This content is for informational purposes only and is not intended to be investing advice.
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The OTC Markets' Most Active Securities Welcomes New Names And Experiences A Reshuffle In April

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<li>Kraken&nbsp;<a href="https://blockworks.co/kraken-receives-abu-dhabis-first-virtual-asset-exchange-license/?utm_source=Sailthru&amp;utm_medium=email&amp;utm_campaign=Daily%20NL%20Monday%204.25.22&amp;utm_term=Daily%20Newsletter&amp;_hsenc=p2ANqtz-8lVEfrXYIPM9kOfoF1mAuaMxrHJ9XrOu4n1d8K6EdrYCUy2eAEQSGhhlvCxm0Yis35hwiY" target="_blank">secures</a>&nbsp;Abu Dhabi license.</li>
<li>Everyday E-mini options&nbsp;<a href="https://www.cmegroup.com/trading/equity-index/weekly-equity-index-options-on-futures.html?utm_source=email&amp;utm_medium=pardot&amp;utm_campaign=202203_es_options_expansion&amp;utm_content=20220425_launch&amp;_hsenc=p2ANqtz-8lVEfrXYIPM9kOfoF1mAuaMxrHJ9XrOu4n1d8K6EdrYCUy2eAEQSGhhlvCxm0Yis35hwiY" target="_blank">launching</a>. (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/cme#NASDAQ">CME</a>)</li>
<li>Crypto.com&nbsp;<a href="https://www.theblockcrypto.com/linked/143471/crypto-com-made-a-major-move-into-federal-lobbying-at-the-start-of-the-year?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-8lVEfrXYIPM9kOfoF1mAuaMxrHJ9XrOu4n1d8K6EdrYCUy2eAEQSGhhlvCxm0Yis35hwiY" target="_blank">launches</a>&nbsp;lobbying opp. (CRYPTO: <a class="ticker" href="https://www.benzinga.com/quote/">CRO</a>)</li>
<li>Finansiv &amp; Nexo&nbsp;<a href="https://www.thetradenews.com/finansiv-and-nexo-the-latest-prime-brokerages-piling-into-digital-assets/?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-8lVEfrXYIPM9kOfoF1mAuaMxrHJ9XrOu4n1d8K6EdrYCUy2eAEQSGhhlvCxm0Yis35hwiY" target="_blank">eye</a>&nbsp;digital assets. (CRYPTO: NEXO)</li>
<li>Robinhood Snacks now to&nbsp;<a href="https://www.axios.com/exclusive-robinhood-snacks-podcast-spins-out-newsletter-0345de51-4eb9-4f54-9b62-2b3da0cbfb47.html?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-8lVEfrXYIPM9kOfoF1mAuaMxrHJ9XrOu4n1d8K6EdrYCUy2eAEQSGhhlvCxm0Yis35hwiY" target="_blank">spin</a>&nbsp;out. (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/hood#NASDAQ">HOOD</a>)</li>
<li>RBC Clearing, Custody&nbsp;<a href="https://www.finextra.com/pressarticle/92393/rbc-clearing-and-custody-unveils-tech-platform?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-8lVEfrXYIPM9kOfoF1mAuaMxrHJ9XrOu4n1d8K6EdrYCUy2eAEQSGhhlvCxm0Yis35hwiY" target="_blank">unveil</a>&nbsp;tech. (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/ry#NYSE">RY</a>)</li>
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&#128073; Top Things To Know In Fintech:
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<li>Grayscale&nbsp;<a href="https://blockworks.co/grayscale-lawyers-again-urge-sec-to-approve-gbtc-conversion-to-bitcoin-etf/?utm_source=Sailthru&amp;utm_medium=email&amp;utm_campaign=Daily%20NL%20Monday%204.25.22&amp;utm_term=Daily%20Newsletter&amp;_hsenc=p2ANqtz-8lVEfrXYIPM9kOfoF1mAuaMxrHJ9XrOu4n1d8K6EdrYCUy2eAEQSGhhlvCxm0Yis35hwiY" target="_blank">urges</a>&nbsp;SEC on BTC ETF. (CRYPTO: <a class="ticker" href="https://www.benzinga.com/quote/btc/usd">BTC</a>)</li>
<li>Maple Finance&nbsp;<a href="https://blockworks.co/maple-finance-becomes-first-crypto-marketplace-to-expand-to-solana/?utm_source=Sailthru&amp;utm_medium=email&amp;utm_campaign=Daily%20NL%20Monday%204.25.22&amp;utm_term=Daily%20Newsletter&amp;_hsenc=p2ANqtz-8lVEfrXYIPM9kOfoF1mAuaMxrHJ9XrOu4n1d8K6EdrYCUy2eAEQSGhhlvCxm0Yis35hwiY" target="_blank">expands</a>&nbsp;to Solana. (CRYPTO: <a class="ticker" href="https://www.benzinga.com/quote/sol/usd">SOL</a>)</li>
<li>Musk could&nbsp;<a href="https://www.theblockcrypto.com/post/143461/heres-how-elon-musk-could-change-crypto-twitter?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-8lVEfrXYIPM9kOfoF1mAuaMxrHJ9XrOu4n1d8K6EdrYCUy2eAEQSGhhlvCxm0Yis35hwiY" target="_blank">change</a>&nbsp;crypto Twitter. (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/twtr#NYSE">TWTR</a>)</li>
<li>Experian is&nbsp;<a href="https://www.finextra.com/newsarticle/40124/experian-to-debut-buy-now-pay-later-bureau?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-8lVEfrXYIPM9kOfoF1mAuaMxrHJ9XrOu4n1d8K6EdrYCUy2eAEQSGhhlvCxm0Yis35hwiY" target="_blank">debuting</a>&nbsp;BNPL bureau. (OTC: <a class="ticker" href="https://www.benzinga.com/stock/expgy#OTC">EXPGY</a>)</li>
<li>Zenda app&nbsp;<a href="https://newsdirect.com/news/first-mena-fintech-pay-now-pay-later-school-fees-app-zenda-raises-9-4m-313479417?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-8lVEfrXYIPM9kOfoF1mAuaMxrHJ9XrOu4n1d8K6EdrYCUy2eAEQSGhhlvCxm0Yis35hwiY" target="_blank">added</a>&nbsp;$9.4M in funding.</li>
<li>Cross River, Sardine&nbsp;<a href="https://www.businesswire.com/news/home/20220424005088/en/Cross-River-and-Sardine-Partner-to-Build-Critical-Risk-and-Payments-Infrastructure-for-Fintech-Web3-and-Crypto-Companies?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-8lVEfrXYIPM9kOfoF1mAuaMxrHJ9XrOu4n1d8K6EdrYCUy2eAEQSGhhlvCxm0Yis35hwiY" target="_blank">honing</a>&nbsp;fintech. (OTC: <a class="ticker" href="https://www.benzinga.com/stock/csrvf#OTC">CSRVF</a>)</li>
<li>Crypto firm investors&nbsp;<a href="https://link.cfodive.com/click/27466716.24391/aHR0cHM6Ly93d3cucmV1dGVycy5jb20vbGVnYWwvbGl0aWdhdGlvbi9jcnlwdG8tcGxhdGZvcm0taW52ZXN0b3JzLXN1ZS1zcGFjLWV4ZWNzLW92ZXItYWNjb3VudGluZy0yMDIyLTA0LTIyLw/5d9661179c625f26832f707aB5018e0e0?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-8lVEfrXYIPM9kOfoF1mAuaMxrHJ9XrOu4n1d8K6EdrYCUy2eAEQSGhhlvCxm0Yis35hwiY" target="_blank">suing</a>&nbsp;SPACs.</li>
<li>Afriex&nbsp;<a href="https://www.forbes.com/sites/rebeccaszkutak/2022/04/25/nigerian-fintech-startup-afriex-raises-10-million-for-its-blockchain-money-transfer-platform/?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-8lVEfrXYIPM9kOfoF1mAuaMxrHJ9XrOu4n1d8K6EdrYCUy2eAEQSGhhlvCxm0Yis35hwiY" target="_blank">added</a>&nbsp;$10M for DLT platform.</li>
<li>Mako&nbsp;<a href="https://www.businesswire.com/news/home/20220425005536/en/Mako-Fintech-Selected-by-Ontario-Securities-Commission-to-Test-Reimagined-KYC-Experience?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-8lVEfrXYIPM9kOfoF1mAuaMxrHJ9XrOu4n1d8K6EdrYCUy2eAEQSGhhlvCxm0Yis35hwiY" target="_blank">tapped</a>&nbsp;by OSC on KYC tech.</li>
<li>MS: Bitcoin likely will&nbsp;<a href="https://bitcoinmagazine.com/business/morgan-stanley-bitcoin-is-almost-a-currency?utm_source=Bitcoin%20Magazine&amp;utm_campaign=1a9bf97851-&amp;utm_medium=email&amp;utm_term=0_f7d45fbb67-1a9bf97851-43424217&amp;mc_cid=1a9bf97851&amp;mc_eid=dfe7420b80&amp;_hsenc=p2ANqtz-8lVEfrXYIPM9kOfoF1mAuaMxrHJ9XrOu4n1d8K6EdrYCUy2eAEQSGhhlvCxm0Yis35hwiY" target="_blank">be</a>&nbsp;a currency. (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/ms#NYSE">MS</a>)</li>
<li>Goldman&nbsp;<a href="https://link.bankingdive.com/click/27484994.25226/aHR0cHM6Ly93d3cuYmFua2luZ2RpdmUuY29tL25ld3MvZ29sZG1hbi1zYWNocy1leHBhbmRzLW1hcmN1cy1jaGVja2luZy1hY2NvdW50LWJldGEtdGVzdHMtdG8tYWxsLXVzLWJhc2VkLWVtLzYyMjU1My8/5d9661179c625f26832f707aB128c6dc2?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-8lVEfrXYIPM9kOfoF1mAuaMxrHJ9XrOu4n1d8K6EdrYCUy2eAEQSGhhlvCxm0Yis35hwiY" target="_blank">grew</a>&nbsp;Marcus beta testing. (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/gs#NYSE">GS</a>)</li>
<li>LHV is&nbsp;<a href="https://www.globenewswire.com/news-release/2022/04/25/2427736/0/en/LHV-Group-to-invest-in-fintech-company-Modular-Technologies-O%C3%9C.html?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-8lVEfrXYIPM9kOfoF1mAuaMxrHJ9XrOu4n1d8K6EdrYCUy2eAEQSGhhlvCxm0Yis35hwiY" target="_blank">investing</a>&nbsp;in fintech Modular.</li>
<li>Mastercard, Microsoft&nbsp;<a href="https://www.finextra.com/pressarticle/92388/mastercard-launches-new-trust-tool-with-microsoft?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-8lVEfrXYIPM9kOfoF1mAuaMxrHJ9XrOu4n1d8K6EdrYCUy2eAEQSGhhlvCxm0Yis35hwiY" target="_blank">launch</a>&nbsp;Trust. (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/ma#NYSE">MA</a>) (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/msft#NASDAQ">MSFT</a>)</li>
<li>Jack Dorsey&nbsp;<a href="https://apnews.com/article/technology-business-media-jack-dorsey-063b73eaebd511215fdfd4f7f1a9e594?utm_source=newsletter&amp;utm_medium=email&amp;utm_campaign=newsletter_axioscryptocurrency&amp;stream=business&amp;_hsenc=p2ANqtz-8lVEfrXYIPM9kOfoF1mAuaMxrHJ9XrOu4n1d8K6EdrYCUy2eAEQSGhhlvCxm0Yis35hwiY" target="_blank">says</a>&nbsp;he&rsquo;s Block Head. (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/sq#NYSE">SQ</a>)</li>
<li>MorganAsh&nbsp;<a href="https://www.finextra.com/pressarticle/92392/morganash-uveils-client-vulnerability-rating-tool-for-mortgage-brokers?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-8lVEfrXYIPM9kOfoF1mAuaMxrHJ9XrOu4n1d8K6EdrYCUy2eAEQSGhhlvCxm0Yis35hwiY" target="_blank">unveiled</a>&nbsp;mortgage tech.</li>
<li>TheGuarantors&nbsp;<a href="https://finledger.com/2022/04/25/theguarantors-raises-50m-series-c-plans-to-supplement-rental-services-with-new-products/?utm_campaign=Newsletter%20-%20Finledger%20Daily&amp;utm_medium=email&amp;_hsmi=211044552&amp;utm_content=211044552&amp;utm_source=hs_email&amp;_hsenc=p2ANqtz-8lVEfrXYIPM9kOfoF1mAuaMxrHJ9XrOu4n1d8K6EdrYCUy2eAEQSGhhlvCxm0Yis35hwiY" target="_blank">bags</a>&nbsp;$50M funding.</li>
<li>Envestnet | Yodlee&nbsp;<a href="https://australianfintech.us11.list-manage.com/track/click?u=4e82967f2aabe5a68c156b29c&amp;id=39a0927f16&amp;e=f917efe1e1&amp;utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-8lVEfrXYIPM9kOfoF1mAuaMxrHJ9XrOu4n1d8K6EdrYCUy2eAEQSGhhlvCxm0Yis35hwiY" target="_blank">adds</a>&nbsp;WeMoney. (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/env#NYSE">ENV</a>)</li>
<li>Trading Technologies&nbsp;<a href="https://www.tradingtechnologies.com/news-releases/trading-technologies-taps-nick-garrow-as-evp-multi-asset-buy-side/?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-8lVEfrXYIPM9kOfoF1mAuaMxrHJ9XrOu4n1d8K6EdrYCUy2eAEQSGhhlvCxm0Yis35hwiY" target="_blank">adds</a>&nbsp;leaders.</li>
<li>US Bank&nbsp;<a href="https://www.lendacademy.com/us-bank-forms-real-time-payment-collaboration-with-apex-fintech-solutions/?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-8lVEfrXYIPM9kOfoF1mAuaMxrHJ9XrOu4n1d8K6EdrYCUy2eAEQSGhhlvCxm0Yis35hwiY" target="_blank">hones</a>&nbsp;real-time payments. (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/usb#NYSE">USB</a>)</li>
<li>Qonto&nbsp;<a href="https://thepaypers.com/online-mobile-banking/fintech-qonto-raises-eur-5-million-in-crowd-investing-round--1255953?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-8lVEfrXYIPM9kOfoF1mAuaMxrHJ9XrOu4n1d8K6EdrYCUy2eAEQSGhhlvCxm0Yis35hwiY" target="_blank">secures</a>&nbsp;new investing round.</li>
<li>Frollo&nbsp;<a href="https://australianfintech.us11.list-manage.com/track/click?u=4e82967f2aabe5a68c156b29c&amp;id=c966ff0895&amp;e=f917efe1e1&amp;utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-8lVEfrXYIPM9kOfoF1mAuaMxrHJ9XrOu4n1d8K6EdrYCUy2eAEQSGhhlvCxm0Yis35hwiY" target="_blank">launching</a>&nbsp;financial passports.</li>
<li>Expensify&nbsp;<a href="https://community.expensify.com/discussion/8803/settle-your-expensify-cards-monthly-or-daily-you-pick?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-8lVEfrXYIPM9kOfoF1mAuaMxrHJ9XrOu4n1d8K6EdrYCUy2eAEQSGhhlvCxm0Yis35hwiY" target="_blank">adds</a>&nbsp;monthly settlement.</li>
<li>NY bill&nbsp;<a href="https://blockworks.co/new-york-bill-banning-proof-of-work-crypto-mining-poised-to-advance/?utm_source=Sailthru&amp;utm_medium=email&amp;utm_campaign=Daily%20NL%20Monday%204.25.22&amp;utm_term=Daily%20Newsletter&amp;_hsenc=p2ANqtz-8lVEfrXYIPM9kOfoF1mAuaMxrHJ9XrOu4n1d8K6EdrYCUy2eAEQSGhhlvCxm0Yis35hwiY" target="_blank">banning</a>&nbsp;proof-of-work likely?</li>
<li>TravelX, Air Europa&nbsp;<a href="https://www.prnewswire.com/news-releases/first-ever-flight-nfticket-sells-for-1-million-usdc-in-live-auction-301529098.html?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-8lVEfrXYIPM9kOfoF1mAuaMxrHJ9XrOu4n1d8K6EdrYCUy2eAEQSGhhlvCxm0Yis35hwiY" target="_blank">close</a>&nbsp;NFTicket.</li>
</ul>
&#128073; Interesting Reads:
<ul>
<li>Earnings calls are moving to Twitter.</li>
<li>MS: SPX readies to&nbsp;<a href="https://www.bloomberg.com/news/articles/2022-04-25/morgan-stanley-s-wilson-says-s-p-500-ready-to-join-bear-market?utm_medium=social&amp;cmpid%3D=socialflow-twitter-markets&amp;utm_content=markets&amp;utm_source=twitter&amp;utm_campaign=socialflow-organic&amp;_hsenc=p2ANqtz-8lVEfrXYIPM9kOfoF1mAuaMxrHJ9XrOu4n1d8K6EdrYCUy2eAEQSGhhlvCxm0Yis35hwiY" rel="noopener" target="_blank">join</a>&nbsp;bear market.</li>
<li>Housing is a&nbsp;<a href="https://www.macrodesiac.com/housing-is-the-key-to-slowing-inflation/?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-8lVEfrXYIPM9kOfoF1mAuaMxrHJ9XrOu4n1d8K6EdrYCUy2eAEQSGhhlvCxm0Yis35hwiY" target="_blank">key</a>&nbsp;to slowing inflation.</li>
<li>Fintech, crypto startups to go&nbsp;<a href="https://www.businessinsider.com/fintech-crypto-startups-expected-ipo-vc-investors-2022-4?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-8lVEfrXYIPM9kOfoF1mAuaMxrHJ9XrOu4n1d8K6EdrYCUy2eAEQSGhhlvCxm0Yis35hwiY" target="_blank">public</a>.</li>
<li>Twitter&nbsp;<a href="https://techcrunch.com/2022/04/25/twitter-accepts-elon-musks-43b-acquisition-offer/?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-8lVEfrXYIPM9kOfoF1mAuaMxrHJ9XrOu4n1d8K6EdrYCUy2eAEQSGhhlvCxm0Yis35hwiY" target="_blank">accepted</a>&nbsp;Musk&rsquo;s offer to buy.</li>
<li>Cop&nbsp;<a href="https://email.mg2.substack.com/c/eJxVkt1uozAQhZ8m3BEZG_NzwUWVbLqJStKs2mR3b5AxQ2ogNsUmLjz9us1qpZVsj3XmjEaabzgzcFHDlPVKG-_zKczUQybB6g6MgcEbNQyFqLIQBzGJI8_9qiChiSd0UQ8AVya6zAwjeP1YdoIzI5T8LMARImHsvWUIOOO4riIU1zisy5RGMUrDiIZREsQpuvdlYyVAcsjgBsOkJHhd9mZMrxfkYYE37pRsEBaE1ks9ltow3i65urpE7y7zueq1DxP4NwHWV7WvgRnTgfZHWSkhLwuyMaoFuSBrmHYBx6fpJ-7abaNQ3nwj-czx02pnS7JHf_Ugb17Rfs7tYWUFO2-Q0z72zas9rC8f-cuROH_PSS4OYmer89bkzS-bz0eyFVZwchLOL_hjOlerYPp93jTVY3crxS5dtpvb4XAucfeyN_w7Xj8_vJPjzvbP_LR9T_0m__GkLcXXNmk9kWGEMQoxDRBChCzJsqQpRXGZJJyFNaJ0EaLrBf83F2_IBpDMKJcrQc5uAOxLd5gKF6-jFGYqnKXsoLoTNPc9-GJaXEDC4PajKpjJgoiiJAmCMA4IuQNziCmmYUxQ4rnGlXJVMvsH6Q-tdMuY?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-8lVEfrXYIPM9kOfoF1mAuaMxrHJ9XrOu4n1d8K6EdrYCUy2eAEQSGhhlvCxm0Yis35hwiY" target="_blank">speaking</a>&nbsp;on Seattle&rsquo;s undoings.</li>
<li>Wells&nbsp;<a href="https://link.bankingdive.com/click/27484994.25226/aHR0cHM6Ly93d3cuYmFua2luZ2RpdmUuY29tL25ld3Mvd2VsbHMtZmFyZ28tc3RhcnRzLWxheW9mZnMtaW4taG9tZS1sZW5kaW5nLXVuaXQvNjIyNjMyLw/5d9661179c625f26832f707aB34a49476?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-8lVEfrXYIPM9kOfoF1mAuaMxrHJ9XrOu4n1d8K6EdrYCUy2eAEQSGhhlvCxm0Yis35hwiY" target="_blank">seeks</a>&nbsp;layoffs in home lending.</li>
<li>Reddit&nbsp;<a href="https://techcrunch.com/2022/04/25/reddit-community-funds-program-1-million-investment/?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-8lVEfrXYIPM9kOfoF1mAuaMxrHJ9XrOu4n1d8K6EdrYCUy2eAEQSGhhlvCxm0Yis35hwiY" target="_blank">launching</a>&nbsp;Community Funds.</li>
</ul>
<img src="https://cdn2.hubspot.net/hub/2786381/hubfs/Screen%20Shot%202022-04-25%20at%208.49.47%20PM-1.png?upscale=true&amp;width=800&amp;upscale=true&amp;name=Screen%20Shot%202022-04-25%20at%208.49.47%20PM-1.png" />

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Top News In Fintech And Beyond For April 26, 2022

Within the course of a week, the world witnessed two very different versions of Elon Musk.
On April 7, there was Musk basking in the glory of the opening of Tesla&rsquo;s (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/tsla#NASDAQ">TSLA</a>) new manufacturing facility in Austin &mdash; an event dubbed the &ldquo;<a href="https://www.benzinga.com/markets/cryptocurrency/22/04/26538031/dogecoin-sees-sudden-spike-as-tesla-features-mascot-at-cyber-rodeo-event">Cyber Rodeo</a>&rdquo; that brought the world&rsquo;s media to Musk&rsquo;s stage. The Tesla chief executive owned the spotlight while wearing a ten-gallon cowboy hat and dark aviator sunglasses, strutting with self-assurance as he launched his latest supersized endeavor &mdash; the new plant was not just any factory, but a Gigafactory.
This was the Musk that 82 million followers on Twitter (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/twtr#NYSE">TWTR</a>) have come to adore: brash, bold, larger-than-life, the living-breathing personification of the corporate world&rsquo;s answer to a rock star, glowing in an aura that was further gold-plated by the news from earlier in the week that he acquired a 9.1% share of Twitter, making him the social media platform&rsquo;s largest shareholder.
But then, there was another Musk one week later on April 14 who sitting awkwardly on a <a href="https://www.youtube.com/watch?v=cdZZpaB2kDM&amp;t=2064s">TED Talk</a> stage while Chris Anderson pitched the softest of softball questions regarding his convoluted duet with Twitter, which by that time had devolved into a hostile takeover pursuit after he rejected an invitation to join the company&rsquo;s board of directors and speak with the Twitter workforce in an unscripted Q&amp;A session. The brash and bold cowboy-Musk of one week earlier was replaced with a somewhat disheveled, clearly uncomfortable man whose answers ranged from defensive to evasive to cryptic.
But Musk has always been something of a Rorschach test for those who consider him: some see the epitome of the can-do spirit that fuels the popular concept of the traditional American success story, while others see a problematic personality whose words and actions too frequently race down parallel tracks. With his attempted takeover of Twitter, the two sides of Musk have rotated in a simultaneous orbit around public scrutiny, with his supporters cheering on one side of his personality and his detractors magnifying the other.
See Also: <a href="https://www.benzinga.com/trading-ideas/long-ideas/22/04/26672363/if-elon-musk-wants-to-buy-twitter-he-will-so-heres-how-to-trade-it">&#39;If Elon Musk Wants To Buy Twitter, He Will&#39;: So Here&#39;s How To Trade It</a>
On The One Hand: Few people would discount Musk&rsquo;s genius for engineering, both from a high-tech perspective and an emotional marketing pursuit. He deserves credit for expanding the electric vehicle sector from a fringe element of the automotive industry into a key focus that has reshaped how car manufacturers are aiming to the future. And his breakthroughs in rocketry via SpaceX have inspired a wave of attention to the space program not seen since the halcyon days of the Apollo missions.
Furthermore, Musk has surfed the zeitgeist with his unbridled enthusiasm over cryptocurrency, particularly Dogecoin (CRYPTO: <a class="ticker" href="https://www.benzinga.com/quote/doge/usd">DOGE</a>) &mdash; arguably, no other high-profile person has done more to elevate that digital asset from its origins as a lame joke into a level of serious investment consideration. And the crypto crowd&rsquo;s adoration of Musk is so intense that very few bother to acknowledge Musk has refused to enable crypto acquisitions of his Tesla vehicles.
Musk is also the very rare corporate executive who doesn&rsquo;t self-quarantine in the proverbial corner office. Through his Twitter page, he has conducted a dialogue with the public &mdash; or, to be more accurate, he has conducted a running commentary with occasional acknowledgments to Twitter denizens who pique his interest with questions or comments related to his core interests.
From a social media perspective, Musk has been the best spokesperson for Tesla &mdash; indeed, the EV maker does not run advertisements because Musk&rsquo;s visibility has given the company and its vehicles more attention than any marketing campaign could generate.
The results of this version of Musk are obvious: According to data from Experian (OTC: <a class="ticker" href="https://www.benzinga.com/stock/expgy#OTC">EXPGY</a>), Tesla controlled 69.95% of the U.S. electric vehicle market in 2021 &mdash; the closest competition, Nissan Motor Co. (OTC: <a class="ticker" href="https://www.benzinga.com/stock/nsany#OTC">NSANY</a>), had an 8.5% share of the market. And while electric vehicles account for only 4.5% of the cars on the U.S. roads, according to the International Energy Agency, the prominence brought to this sector by Musk has made them an integral part of the future of transportation.
Musk has also shown himself to be a benevolent friend to the distressed: he provided terminals from his SpaceX operations to Tonga after a tsunami devastated the island kingdom and to Ukraine after the Russians invaded their country, thus providing internet connection to nations that risked being digitally cut off from the world. And for those with a facetious sense of humor, Musk&rsquo;s Twitter jabs at his critics are often priceless, whether he is dismissing the strident complaints of Sen. Elizabeth Warren (D-MA) as the ramblings from &ldquo;Senator Karen&rdquo; or <a href="https://www.benzinga.com/news/22/03/26156141/elon-musk-ups-fight-proposal-against-vladimir-putin-if-he-is-afraid-to-fight-i-will-agree-to-use-onl">challenging</a> Russian President Vladimir Putin to physical combat.
See Also: <a href="https://www.youtube.com/watch?v=jUc8GIIcpM8">Invest In The Future Of Medicine: Psychedelics Capital Conference</a>
But On The Other Hand: Yet at the same time, Musk has a well-documented history of reckless and erratic behavior. Twice in his pre-Tesla years, he rose to the position of chief executive officer &mdash; at Zip2, a company he co-founded, and at PayPal Holdings Inc. (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/pypl#NASDAQ">PYPL</a>) &mdash; and in both cases he was fired by each company&rsquo;s board of directors for incompetent leadership. The U.S. Securities and Exchange Commission (SEC) forced Musk out of the chairmanship at Tesla and fined him and the company $20 million each for his tweets that unilaterally claimed he planned to take the company private at $420 per share.
Even the Wall Street Journal, which has traditionally been sympathetic to Musk&rsquo;s antics, <a href="https://www.wsj.com/articles/elon-musk-again-an-outsider-at-twitter-emerges-as-unshackled-wildcard-for-company-11649713787?mod=hp_lead_pos6">sourly noted</a> that the Tesla board is packed with &ldquo;his longtime business partners and brother &hellip; they have continued to support him even as [he] has taken steps that would have likely tanked the careers of CEOs at other publicly traded companies.&rdquo;
Musk&#39;s sense of humor has frequently created the impression that he&#39;s frivolous when he should be focused. Marijuana references keep popping up in his financial proposals, with the $420 per share strategy to take Tesla private and the $54.20 per share offer to take Twitter private, and his suggestion to remove the letter &ldquo;W&rdquo; from Twitter&#39;s name&nbsp;is more in keeping with the comedy of a Russ Meyer movie than the serious ruminations of a corporate leader.
In his SEC filing for the Twitter takeover bid, Musk <a href="https://www.benzinga.com/news/22/04/26629574/breaking-elon-musk-offers-to-buy-100-of-twitter">insisted</a>, &ldquo;I believe free speech is a societal imperative for a functioning democracy.&rdquo; But his concept of free speech has limits, especially when it is critical of him.
Musk&rsquo;s impatience with those who question his wisdom occupies much of the 2021 book &quot;Power Play: Tesla, Elon Musk, and the Bet of the Century&quot; by Tim Higgins, a Wall Street Journal reporter who documented multiple cases of Musk firing employees and terminating agreements with contractors who raised concerns and observations that were antithetical to his judgment. Last month, Tesla employee John Bernal was the most recent individual to be fired by Musk after sharing video reviews on his YouTube channel on how the company&rsquo;s Full Self Driving Beta system worked (with varying degrees of success) at different locations around Silicon Valley. CNBC reported&nbsp;Tesla also terminated Bernal&rsquo;s access to its FSD Beta system in the Tesla electric vehicle that he owns.
And Musk&rsquo;s advocacy of democracy seems to stop at the Pacific Coast &mdash; his praise for the Chinese Communist Party, which he said created an &ldquo;economic prosperity&rdquo; that he considered to be &ldquo;truly amazing,&rdquo; was extreme even by the standards of American executives trying to flatter their way into China&rsquo;s economy. News that the employees of the Tesla Shanghai factory are currently <a href="https://www.benzinga.com/news/22/04/26663683/tesla-shanghai-workers-forced-to-live-247-at-reopened-factory-report">living as virtual prisoners</a> in the facility and are forced to work 12-hour days for six days a week has not raised a peep of verbiage from the otherwise chatty Musk, who was also silent on China&rsquo;s restrictive lockdowns in COVID-ravaged Shanghai &mdash; in comparison, he declared far less restrictive lockdowns in the U.S. in the spring of 2020 as &ldquo;<a href="https://www.benzinga.com/news/earnings/20/04/15916021/elon-musk-calls-bay-areas-shelter-in-place-order-fascist-in-vulgar-conference-call-rant">fascist</a>&rdquo; and was even faulted by many for spreading disinformation during the early period of the pandemic.
In his recent interview with Anderson, Musk displayed a habit of rewriting the facts to suit his narrative. He insisted without any prompting from his host that he only accepted the SEC&rsquo;s actions against him in 2018 because banks threatened not to fund Tesla if he fought the agency &mdash; he referred to the San Francisco SEC&rsquo;s staff as &ldquo;bastards.&rdquo; He also repeated the falsehood that he was a co-founder of Tesla, blaming the company&rsquo;s founding CEO Martin Eberhard for lying about him. In reality, a lawsuit settlement with Eberhard included a provision that required Musk to be listed as a co-founder, even though he was absent when the company in its earliest days.
Benzinga Asks: <a href="https://www.benzinga.com/news/22/04/26602571/benzinga-asks-what-will-elon-musks-stake-be-in-twitter-in-6-months-over-65-said-this">What Will Elon Musk&#39;s Stake Be In Twitter In 6 Months?</a>
The Circumstances That Prevail: Musk&rsquo;s SEC filing on his proposed Twitter takeover offers the positive and negative aspects of his behavior.
On the plus side, he strode into the controversy of his creation with a take-charge attitude by insisting on a cut-and-dry transaction. He informed the SEC: &ldquo;My offer is my best and final offer and if it is not accepted, I would need to reconsider my position as a shareholder.&rdquo;
But after Twitter&rsquo;s board of directors announced it was considering a <a href="http://www.benzinga.com/m-a/22/04/26653043/twitter-takes-the-poison-pill-heres-what-it-means-for-elon-musk-and-shareholders">poison pill strategy</a> to stave off a hostile takeover, Musk&rsquo;s take-it-or-leave-it stance was jettisoned in a series of tweets where he promised to erase the salaries of the Twitter board if he gained control of the company, ignoring the contracts that the directors have with the company that specifies their compensation levels and schedules. Rather than save Twitter money, Musk would risk increasing its legal bills with such unilateral action.
Musk also told Anderson his actions were &ldquo;not about economics&rdquo; and toyed with denuding Twitter of the advertising stream that fueled much of the company&rsquo;s revenue stream, yet he tweeted that the Twitter board&rsquo;s rejection of his offer was not &ldquo;in the economic interest&rdquo; of shareholders. When asked about how he would be able to finance a takeover, he was intentionally opaque &mdash; his SEC filing has no information on secured funding sources.&nbsp;His <a href="https://www.benzinga.com/m-a/22/04/26659728/is-elon-musk-considering-tender-offer-for-twitter-shareholders-cryptic-musical-tweet-sparks-speculat">much-discussed</a> &ldquo;Love me tender&rdquo; tweet gave a coy hint that he needs extra financial help to takeover Twitter. Obviously, Musk is not one to call directly for aid.
&ldquo;Twitter has extraordinary potential. I will unlock it,&rdquo; he added in his SEC filing, an interesting reference to a company that has been operating since 2006, is highly profitable, and whose platform helped elevate Musk to a heliocentric vantage point.
Next Chapter: Admittedly, Musk is a complex individual &mdash; and not unlike any person, he offers different sides of his personality to different audiences. What happens next, both in terms of the Twitter takeover and Musk&rsquo;s other activities, cannot be easily predicted &mdash; and perhaps that&rsquo;s the way he wants it.
Even Musk seems surprised by what he can achieve without trying, once noting: &quot;I say something, and then it usually happens. Maybe not on schedule, but it usually happens.&quot;
Photo courtesy of NASA / Flickr Creative Commons

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Trading volume appears to be moving back to OTC Markets&nbsp; following <a href="https://www.benzinga.com/markets/penny-stocks/22/03/26137786/the-otcqxs-top-10-experience-a-shuffle-in-february">a slight slump</a> in February.
A look at March&rsquo;s&nbsp; volumes across the markets operated by OTC Markets Group Inc. (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/otcm#OTCQX">OTCM</a>) shows a total monthly total dollar volume of $57.4 billion, up from $44 billion in February.
This rise in volume comes alongside a slight relaxation in the bear runs that encompassed January and February across a variety of markets. The SPDR S&amp;P 500 Exchange Traded Fund (NYSE Arca: SPY), for example, experienced its first monthly increase in 2022, rising 3.44% in March. The SPDR Dow Jones Industrial Average ETF (NYSE Arca: DIA) and the Fidelity Nasdaq Composite Index ETF (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/oneq#NASDAQ">ONEQ</a>) experienced similar rises, increasing 2.21% and 3.5%, respectively, in March.
As the market provides a slight psychological breather following <a href="https://www.forbes.com/sites/kristinmckenna/2022/03/14/its-been-one-of-the-top-5-worst-starts-to-a-year-for-stocks-and-bonds/?sh=37e61c8c6fca">one of the worst starts</a> in history for stocks, the OTCQX and OTCQB&rsquo;s 10 most-active securities may provide traders and investors with yet another talking point for March&rsquo;s movements.
<h3>The OTCQX Best Market: Volume Spikes And Reshuffling</h3>
The OTCQX Best Market recorded a total of $12.4 billion in trading volume in March.&nbsp;
Volume spikes across a variety of securities were likely pivotal in this increase over February&rsquo;s volume figure. Eight of the OTCQX&rsquo;s top 30 most-active securities experienced volume changes over 100% compared to February.
Notably, BNP Paribas S.A.&rsquo;s (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/bnpqy#OTCQX">BNPQY</a>) volume jumped 225%; Adidas AG&rsquo;s (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/addyy#OTCQX">ADDYY</a>),141%; Danone SA&rsquo;s (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/danoy#OTCQX">DANOY</a>), 267%; and Zurich Insurance Group AG Ltd.&rsquo;s (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/zurvy#OTCQX">ZURVY</a>), 379%;&nbsp;
Meanwhile, the top three securities &mdash; Grayscale Bitcoin Trust (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/gbtc#OTCQX">GBTC</a>), Grayscale Ethereum Trust (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/ethe#OTCQX">ETHE</a>) and Roche Holdings AG (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/rhhby#OTCQX">RHHBY</a>) &mdash; retained their spots as first, second, and third-most traded securities on OTCQX. The first two experienced slight reductions in trading volume, while the third experienced an 80% increase compared to March.&nbsp;
International operators, once again, maintain a strong presence on OTCQX. France&rsquo;s Danone, Switzerland&rsquo;s Zurich Insurance Group, and Germany&rsquo;s BASF SE displace February&rsquo;s top 10 most active securities Trulieve Cannabis Corp. (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/tcnnf#OTCQX">TCNNF</a>), Experian plc (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/expgy#OTCQX">EXPGY</a>), and Tesco PLC (OTCQX: <a class="ticker" href="https://www.benzinga.com/stock/tscdy#OTCQX">TSCDY</a>), moving them down to the 13th, 16th and 18th&nbsp; spots respectively.&nbsp;&nbsp;
<h3>The OTCQB Venture Market: Sustained International Interest</h3>
The OTCQB Venture Market recorded a total $1.2 billion dollar volume in February, an increase over February&rsquo;s total of $807 million.&nbsp;&nbsp;
The presence of international operators on the OTCQB Best Market was slightly reduced in February, with 13 internationals landing a spot among the top 30 most-traded securities in March, down from 16 in February. Of these 13 securities, eight are Canadian, four are Australian and one is English.&nbsp;
The top 10 most-active securities on the OTCQB experienced a slight reshuffle. American Battery Technology Co. (OTCQB: <a class="ticker" href="https://www.benzinga.com/stock/abml#OTCQB">ABML</a>) extends last month&rsquo;s volume increase, rising from fifth place in February to fourth place in March. Lithium producer Lake Resources N.L. (OTCQB: <a class="ticker" href="https://www.benzinga.com/stock/llkkf#OTCQB">LLKKF</a>) makes a rise to the top 10 most-active securities, displacing long-runner Freddie Mac (OTCQB: <a class="ticker" href="https://www.benzinga.com/stock/fmcc#OTCQB">FMCC</a>).&nbsp;
Other notable movers:
<ul>
<li>Sprott Physical Uranium Trust (OTCQB: <a class="ticker" href="https://www.benzinga.com/stock/sruuf#OTCQB">SRUUF</a>) recorded a total dollar volume of $269.4 million in March, up from $84.7 million in February.&nbsp;</li>
<li>Lake Resources N.L. (OTCQB: <a class="ticker" href="https://www.benzinga.com/stock/llkkf#OTCQB">LLKKF</a>) recorded a total dollar volume of $33.4 million in March, up from $9.8 million in February.&nbsp;</li>
<li>Clean Vision Corp. (OTCQB: <a class="ticker" href="https://www.benzinga.com/stock/clnv#OTCQB">CLNV</a>) recorded a total dollar volume of $12.3 million in March, up from $0.7 million in February.&nbsp;</li>
<li>Farmers &amp; Merchants Bank of Long Beach (OTCQB: <a class="ticker" href="https://www.benzinga.com/stock/fmbl#OTCQB">FMBL</a>) recorded a total dollar volume of $12.6 million in March, up from $2.8 million in February.</li>
</ul>
The continued presence of international operators on both the OTCQX Best Market and OTCQB Venture Market could be considered a testament to OTC Markets Group&rsquo;s ability to maintain its role as a bridge between international companies and a global investing community.&nbsp;
The OTCQX And OTCQB Top 10
Below are the top 10 most actively traded securities on the OTCQX Best Market and OTCQB Venture Market in March.&nbsp; 
&nbsp;
OTCQX Top 10:&nbsp;
<table>
<tbody>
<tr>
<td>
Company Name
</td>
<td>
Symbol
</td>
<td>
March Dollar Volume
</td>
</tr>
<tr>
<td>
Grayscale Bitcoin Trust (BTC)
</td>
<td>
<a href="http://www.otcmarkets.com/stock/GBTC/quote">GBTC</a>
</td>
<td>
$2,907,769,160
</td>
</tr>
<tr>
<td>
Grayscale Ethereum Trust (ETH)
</td>
<td>
<a href="http://www.otcmarkets.com/stock/ETHE/quote">ETHE</a>
</td>
<td>
$1,723,306,380
</td>
</tr>
<tr>
<td>
Roche Holding Ltd
</td>
<td>
<a href="http://www.otcmarkets.com/stock/RHHBY/quote">RHHBY</a>
</td>
<td>
$1,530,740,649
</td>
</tr>
<tr>
<td>
BNP Paribas
</td>
<td>
<a href="http://www.otcmarkets.com/stock/BNPQY/quote">BNPQY</a>
</td>
<td>
$656,520,184
</td>
</tr>
<tr>
<td>
adidas AG
</td>
<td>
<a href="http://www.otcmarkets.com/stock/ADDYY/quote">ADDYY</a>
</td>
<td>
$577,654,556
</td>
</tr>
<tr>
<td>
Danone
</td>
<td>
<a href="https://www.otcmarkets.com/stock/DANOY/quote">DANOY</a>
</td>
<td>
$328,009,339
</td>
</tr>
<tr>
<td>
Zurich Insurance Group Ltd
</td>
<td>
<a href="http://www.otcmarkets.com/stock/ZURVY/quote">ZURVY</a>
</td>
<td>
$266,178,304
</td>
</tr>
<tr>
<td>
BASF SE
</td>
<td>
<a href="http://www.otcmarkets.com/stock/BASFY/quote">BASFY</a>
</td>
<td>
$254,466,706
</td>
</tr>
<tr>
<td>
Infineon Technologies AG
</td>
<td>
<a href="http://www.otcmarkets.com/stock/IFNNY/quote">IFNNY</a>
</td>
<td>
$211,487,273
</td>
</tr>
<tr>
<td>
Green Thumb Industries Inc.
</td>
<td>
<a href="http://www.otcmarkets.com/stock/GTBIF/quote">GTBIF</a>
</td>
<td>
$202,233,840
</td>
</tr>
</tbody>
</table>
&nbsp;
OTCQB Top 10:&nbsp;
<table>
<tbody>
<tr>
<td>
Company Name
</td>
<td>
Symbol
</td>
<td>
March Dollar Volume
</td>
</tr>
<tr>
<td>
Sprott Physical Uranium Trust
</td>
<td>
<a href="http://www.otcmarkets.com/stock/SRUUF/quote">SRUUF</a>
</td>
<td>
$269,376,372
</td>
</tr>
<tr>
<td>
88 Energy Ltd.
</td>
<td>
<a href="http://www.otcmarkets.com/stock/EEENF/quote">EEENF</a>
</td>
<td>
$61,647,022
</td>
</tr>
<tr>
<td>
Netlist Inc.
</td>
<td>
<a href="http://www.otcmarkets.com/stock/NLST/quote">NLST</a>
</td>
<td>
$44,055,528
</td>
</tr>
<tr>
<td>
American Battery Technology Co.
</td>
<td>
<a href="http://www.otcmarkets.com/stock/ABML/quote">ABML</a>
</td>
<td>
$42,398,846
</td>
</tr>
<tr>
<td>
Lake Resources N.L.
</td>
<td>
<a href="http://www.otcmarkets.com/stock/LLKKF/quote">LLKKF</a>
</td>
<td>
$33,364,413
</td>
</tr>
<tr>
<td>
HUMBL Inc.
</td>
<td>
<a href="http://www.otcmarkets.com/stock/HMBL/quote">HMBL</a>
</td>
<td>
$28,549,089
</td>
</tr>
<tr>
<td>
American Lithium Corp.
</td>
<td>
<a href="http://www.otcmarkets.com/stock/LIACF/quote">LIACF</a>
</td>
<td>
$26,123,397
</td>
</tr>
<tr>
<td>
CytoDyn Inc.
</td>
<td>
<a href="http://www.otcmarkets.com/stock/CYDY/quote">CYDY</a>
</td>
<td>
$23,544,428
</td>
</tr>
<tr>
<td>
Fannie Mae
</td>
<td>
<a href="http://www.otcmarkets.com/stock/FNMA/quote">FNMA</a>
</td>
<td>
$23,102,586
</td>
</tr>
<tr>
<td>
Northwest Biotherapeutics Inc.
</td>
<td>
<a href="http://www.otcmarkets.com/stock/NWBO/quote">NWBO</a>
</td>
<td>
$22,820,858
</td>
</tr>
</tbody>
</table>
&nbsp;
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Photo by Austin Distel on <a href="https://unsplash.com/photos/DfjJMVhwH_8">Unsplash</a>

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Volume Springs Back Into The OTC Markets In March – Take A Look At Some Of The Top Movers

The nation&rsquo;s three leading credit report companies have simultaneously announced plans to rewrite their corporate policies on reporting medical debt.
What Happened: According to a <a href="https://www.wsj.com/articles/most-medical-debts-to-be-removed-from-consumers-credit-reports-11647604803?mod=hp_lead_pos4">Wall Street Journal</a> report, Equifax Inc. (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/efx#NYSE">EFX</a>), Experian PLC (OTC: <a class="ticker" href="https://www.benzinga.com/stock/expgy#OTC">EXPGY</a>) and TransUnion (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/tru#NYSE">TRU</a>) will remove medical debt from their reports that was paid after it was sent to collections and will not add new unpaid medical debts for a full year after being sent to collection agencies. The changes will go into effect in July.
The firms are also planning to remove unpaid medical debts of less than $500 during the first half of 2023, according to an unnamed source cited in the Journal&rsquo;s report.
Currently, medical debts can remain on a consumer&rsquo;s credit report for up to seven years, even if the debts had been fully repaid. With these changes, approximately 70% of medical debt in collections accounts will now be removed from credit reports.
See Also: <a href="https://www.youtube.com/watch?v=JX5-SBE1YHs">Benzinga All Access: 3 Emerging Companies To Watch</a>
Why It&#39;s Important: Medical debt has been an extraordinary financial burden for many Americans, and it was one of the driving forces that fueled the creation and passage of the Affordable Care Act in 2010. This situation wasn&#39;t abated by the passage of that landmark legislation, however, and many consumers with sterling credit histories find their credit scores tarnished by high levels of medical debt created by emergencies and prolonged illnesses.
According to the Consumer Financial Protection Bureau (CFPB), approximately $88 billion in medical debt is placed on 43 million credit reports.
The Journal, citing &ldquo;people familiar with the matter,&rdquo; reported the three companies were responding to the increased focus by CFPB Director Rohit Chopra, who has prioritized credit reporting, particularly in how the three companies respond to companies that incorrectly report medical debts.
&ldquo;This is an important step to support consumers in the wake of the Covid-19 pandemic,&rdquo; the companies said in a joint statement. &ldquo;These changes reflect our ongoing commitment to helping facilitate access to fair and affordable credit for all consumers.&rdquo;

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Credit Report Firms To Change Handling Of Medical Debt: What You Need To Know

Consumers who do not have credit reports will be able to create their own through a new program being developed by Experian (OTC: <a class="ticker" href="https://www.benzinga.com/stock/expgy#OTC">EXPGY</a>).
What Happened: The <a href="https://www.wsj.com/articles/experian-to-allow-consumers-to-create-their-own-credit-reports-11643115602?mod=lead_feature_below_a_pos1">Wall Street Journal</a> reported that Experian is rolling out Go, a program which will enable consumers to build credit reports by linking recurring non-debt accounts to their record.
Go has been tested in a pilot program since October with 15,000 consumers, and the company reported consumers were able to go from having no FICO score to a 655 level, which is considered to be a score that lenders view as a decent-to-good credit rating. Experian stated recurring bill payments will show which consumers would display a history of financial responsibility.
&quot;The better the representation of every individual we have, the more successful we are as a company,&quot; said Craig Boundy, chief of Experian North America.
Related Link: <a href="https://www.benzinga.com/government/22/01/25186741/analysis-why-is-it-so-difficult-to-obtain-covid-19-monoclonal-antibody-treatments">Analysis: Why Is It So Difficult To Obtain COVID-19 Monoclonal Antibody Treatments?</a>
Why It Matters: Approximately 28 million adults do not have reports with the three major credit reporting companies &mdash;&nbsp;Experian, Equifax (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/efx#NYSE">EFX</a>) and TransUnion (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/tru#NYSE">TRU</a>). Without a credit report, consumers find it virtually impossible to obtain loans from mainstream lenders and are forced to seek financing from higher-cost payday lenders.
Black, Hispanic and immigrant consumers have a disproportionately high level of being without credit reports, along with college students who are new to borrowing funds.
However, the effort is not entirely altruistic &mdash;&nbsp;credit reporting bureaus will be able to generate more sales of consumer data to lenders if they have a larger pool of individuals to track.
Photo: Mohamed Hassan/Pixabay.

Experian Will Enable Consumers To Build Their Own Credit Reports

<img alt="Fintech Header" src="https://cdn2.hubspot.net/hub/2786381/hubfs/Fintech%20Header.png?upscale=true&amp;width=800&amp;upscale=true&amp;name=Fintech%20Header.png" />
One Big Thing In Fintech: Here&#39;s a fascinating and reassuring stat from the mining industry, as it stand right now it would take more than two years for an attacker with 100% of the network hashrate to completely rewrite the Bitcoin ledger dating back to January 3rd, 2009.
Source: <a href="https://bitcoinmagazine.com/technical/at-13-the-bitcoin-network-is-more-secure-than-ever?mc_cid=0203d3e877&amp;mc_eid=dfe7420b80&amp;utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-_30RfYih8yTNRup_sFJJjJhFEqEUvKFevTmJhAGrCkIf2bOdm5NycIRxonPFu8EGXmIvtN">Bitcoin Magazine</a>
<img src="https://cdn2.hubspot.net/hub/2786381/hubfs/giphy%20(3)-Jan-07-2022-12-30-29-63-AM.gif?upscale=true&amp;width=800&amp;upscale=true&amp;name=giphy%20(3)-Jan-07-2022-12-30-29-63-AM.gif" />
Other Key Fintech Developments:
<ul>
<li>Symbridge <a href="https://www.prnewswire.com/news-releases/symbridge-raises-additional-9-million-in-strategic-round-301455036.html?tc=eml_cleartime&amp;utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-_30RfYih8yTNRup_sFJJjJhFEqEUvKFevTmJhAGrCkIf2bOdm5NycIRxonPFu8EGXmIvtN">secures</a> $9M in funds.</li>
<li>Quant Data <a href="https://www.benzinga.com/fintech/22/01/24921105/fintech-spotlight-quant-data-empowering-traders-with-order-flow-insights-on-the-go?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-_30RfYih8yTNRup_sFJJjJhFEqEUvKFevTmJhAGrCkIf2bOdm5NycIRxonPFu8EGXmIvtN">adding</a> a mobile app.</li>
<li>Goldfinch <a href="https://finledger.com/2022/01/06/goldfinch-parlays-defi-enabled-lending-surge-into-25m-fundraise/?utm_campaign=Newsletter%20-%20Finledger%20Daily&amp;utm_medium=email&amp;_hsmi=200158429&amp;utm_content=200158429&amp;utm_source=hs_email&amp;_hsenc=p2ANqtz-_30RfYih8yTNRup_sFJJjJhFEqEUvKFevTmJhAGrCkIf2bOdm5NycIRxonPFu8EGXmIvtN">secures</a> $25M via a16z.</li>
<li>Wirex <a href="https://www.finextra.com/pressarticle/90901/wirex-adds-six-new-stablecoins-to-platform?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-_30RfYih8yTNRup_sFJJjJhFEqEUvKFevTmJhAGrCkIf2bOdm5NycIRxonPFu8EGXmIvtN">adding</a> six new stablecoins.</li>
<li>Virgin Money, Expend <a href="https://ffnews.com/newsarticle/paytech/virgin-money-announces-new-fintech-partnership-with-expend/?utm_campaign=Newsletter%20-%20Finledger%20Daily&amp;utm_medium=email&amp;_hsmi=200158429&amp;utm_content=200158429&amp;utm_source=hs_email&amp;_hsenc=p2ANqtz-_30RfYih8yTNRup_sFJJjJhFEqEUvKFevTmJhAGrCkIf2bOdm5NycIRxonPFu8EGXmIvtN">partnering</a>.</li>
<li>US Bank <a href="https://www.finextra.com/pressarticle/90907/us-bank-advances-real-time-payments-for-consumer-bill-pay?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-_30RfYih8yTNRup_sFJJjJhFEqEUvKFevTmJhAGrCkIf2bOdm5NycIRxonPFu8EGXmIvtN">adds</a> to payments offer.</li>
<li>Range Media, RECUR <a href="https://www.businesswire.com/news/home/20220106005269/en/Range-Media-Partners-and-RECUR-Announce-Partnership-to-Shape-the-Future-Of-Fan-Driven-Entertainment-NFTs?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-_30RfYih8yTNRup_sFJJjJhFEqEUvKFevTmJhAGrCkIf2bOdm5NycIRxonPFu8EGXmIvtN">teamed</a> up.</li>
<li>Tribal <a href="https://www.tribal.credit/press-releases/tribal-raises-40m-in-crypto-tradfi-debt-round-to-power-payments-financing-for-latam-smbs?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-_30RfYih8yTNRup_sFJJjJhFEqEUvKFevTmJhAGrCkIf2bOdm5NycIRxonPFu8EGXmIvtN#:~:text=Back%20to%20Press-,Tribal%20Raises%20%2440M%20in%20Crypto%2DTradFi%20Debt%20Round%20to,Payments%2C%20Financing%20for%20LatAm%20SMBs&amp;text=SAN%20FRANCISCO%2C%20January%206%2C%202022,debt%20round%20of%20%2440%20million.&amp;text=%E2%80%9CThis%20is%20one%20of%20the,combining%20both%20fiat%20and%20stablecoins.">raises</a> $40M in a new round.</li>
<li>Finexio <a href="https://www.finextra.com/pressarticle/90905/finexio-completes-10-million-funding-round?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-_30RfYih8yTNRup_sFJJjJhFEqEUvKFevTmJhAGrCkIf2bOdm5NycIRxonPFu8EGXmIvtN">completes</a> $10M funding.</li>
<li>Starling <a href="https://www.bloomberg.com/news/articles/2022-01-06/goldman-sachs-backed-fintech-boycotts-meta-over-fraud-concerns?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-_30RfYih8yTNRup_sFJJjJhFEqEUvKFevTmJhAGrCkIf2bOdm5NycIRxonPFu8EGXmIvtN">boycotts</a> Meta over fraud. (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/fb#NASDAQ">FB</a>)</li>
<li>Eventus <a href="https://finance.yahoo.com/news/eventus-marks-another-rapid-growth-120000964.html?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-_30RfYih8yTNRup_sFJJjJhFEqEUvKFevTmJhAGrCkIf2bOdm5NycIRxonPFu8EGXmIvtN#:~:text=NEW%20YORK%2C%20Jan.%206%2C,continued%20aggressive%20growth%20throughout%202022">facing</a> rapid growth year.</li>
<li>INX Limited has <a href="http://url3396.theinformation.com/ls/click?upn=H96X59jl7qcPYFPKAjaAGukkkJ8pnP3vdGJtWQrrD7BraQAEt-2BP3xmvwassphWAxfMJ5-2BMH1w7hz3gwuCp4JUt62laH9oYDhQoV9FcEuVn05fZ7RhxJLFco1imTq-2F8l3okrca-2BrBKUrnom0inB-2BN74hfXr-2BBCKdftg6b2wFk84uSzCZf-2FvEucu0zY2-2F3dCPpNU9RE4FJW97Ta3Ms2zpqOQlYlFrmfF-2F5Vc0jxE993WpXHJg3yVCbRSAdWOI2-2FVgdff-2FL4vOC8fY8WyYCo-2F7TbA-3D-3Dq0zB_UHkcJfZbGGnDNDUf1uQTjtJByy3jWJNy791l91f5MM25NFSYIeXPptG2LbPUgFex88hnpMiXhQbc3N3rTKCwgLjcr-2Bz-2FyxJW8XnWgM1wFwC1u-2BKijqulXt-2FLdqqCigK2IcGfpbFX01KeDn2pbyKazmVoHUhoW07DSgW1SOZ3cxwgeFXHpU2PirHiCBTIldjQaIEQ1TsUrV1FqPskJeBdhHrzKffePZmD-2BBDkj98Sb7CCrPxV52t07jDhlLZl4HsVesJBJoJZfvxmgh0HjffHZaUxbGRrhRggbWLHYVnNbuNPQtQ1-2BVZ7nWIyJBYy68-2BuRp9i53zH771XrqfCBLzNj7-2Fu1RFAtsLVh-2FGAIReMlSKpgEn8TQXX3J5bYRqGPx6FbfWz1-2Bp7VacZ5T9wg9tNtI5xxk95Dsy5rpbcMdyXaCE-3D&amp;utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-_30RfYih8yTNRup_sFJJjJhFEqEUvKFevTmJhAGrCkIf2bOdm5NycIRxonPFu8EGXmIvtN">bought</a> Tokensoft.</li>
<li>Finexio <a href="https://www.pymnts.com/news/investment-tracker/2022/finexio-raises-10-million-payments-as-a-service-growth/?utm_campaign=Newsletter%20-%20Finledger%20Daily&amp;utm_medium=email&amp;_hsmi=200158429&amp;utm_content=200158429&amp;utm_source=hs_email&amp;_hsenc=p2ANqtz-_30RfYih8yTNRup_sFJJjJhFEqEUvKFevTmJhAGrCkIf2bOdm5NycIRxonPFu8EGXmIvtN">taps</a> $10M for PaaS offer.</li>
<li>Octane <a href="https://finance.yahoo.com/news/octane-announces-key-milestones-advance-140000575.html?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-_30RfYih8yTNRup_sFJJjJhFEqEUvKFevTmJhAGrCkIf2bOdm5NycIRxonPFu8EGXmIvtN">announces</a> key milestone.</li>
<li>Lev and AppFolio are <a href="https://finledger.com/2022/01/05/lev-and-appfolio-announced-partnership/?utm_campaign=Newsletter%20-%20Finledger%20Daily&amp;utm_medium=email&amp;_hsmi=200158429&amp;utm_content=200158429&amp;utm_source=hs_email&amp;_hsenc=p2ANqtz-_30RfYih8yTNRup_sFJJjJhFEqEUvKFevTmJhAGrCkIf2bOdm5NycIRxonPFu8EGXmIvtN">teaming</a> up.</li>
<li>Digital asset bank Sygnum <a href="https://www.finextra.com/newsarticle/39465/swiss-digital-asset-bank-sygnum-raises-90-million?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-_30RfYih8yTNRup_sFJJjJhFEqEUvKFevTmJhAGrCkIf2bOdm5NycIRxonPFu8EGXmIvtN">raises</a>.</li>
<li>DailyPay <a href="https://www.finextra.com/pressarticle/90904/dailypay-rolls-out-digital-wallet?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-_30RfYih8yTNRup_sFJJjJhFEqEUvKFevTmJhAGrCkIf2bOdm5NycIRxonPFu8EGXmIvtN">rolling</a> out digital wallets.&nbsp;</li>
<li>Petal <a href="https://e.newsletters.arizent.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?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-_30RfYih8yTNRup_sFJJjJhFEqEUvKFevTmJhAGrCkIf2bOdm5NycIRxonPFu8EGXmIvtN">embroiled</a> in suit over thefts.</li>
<li>GameStop <a href="https://www.theblockcrypto.com/linked/129475/gamestop-eyes-partnerships-investments-with-crypto-companies-to-boost-nft-platform-plan?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-_30RfYih8yTNRup_sFJJjJhFEqEUvKFevTmJhAGrCkIf2bOdm5NycIRxonPFu8EGXmIvtN">plans</a> NFT plan boost. (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/gme#NYSE">GME</a>)</li>
<li>Experian, TransUnion <a href="https://e.newsletters.arizent.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?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-_30RfYih8yTNRup_sFJJjJhFEqEUvKFevTmJhAGrCkIf2bOdm5NycIRxonPFu8EGXmIvtN">eye</a> BNPL. (OTC: <a class="ticker" href="https://www.benzinga.com/stock/expgy#OTC">EXPGY</a>) (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/tru#NYSE">TRU</a>)</li>
<li>Apex Fintech Solutions <a href="https://www.finextra.com/pressarticle/90900/apex-fintech-solutions-acquires-pdq-enterprises-parent-company-of-coda-markets?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-_30RfYih8yTNRup_sFJJjJhFEqEUvKFevTmJhAGrCkIf2bOdm5NycIRxonPFu8EGXmIvtN">buys</a> PDQ.</li>
<li>Robinhood <a href="https://riabiz.com/a/2022/1/6/robinhood-gets-brilliant-middle-manager-and-a-spare-ceo-by-nabbing-td-ameritrades-ex-thinkorswim-top-exec-hopefully-to-throw-a-lifesaver-to-robinhoods-sinking-stock?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-_30RfYih8yTNRup_sFJJjJhFEqEUvKFevTmJhAGrCkIf2bOdm5NycIRxonPFu8EGXmIvtN">taps</a> ex-TD executive. (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/hood#NASDAQ">HOOD</a>)</li>
<li>PayFit <a href="https://techcrunch.com/2022/01/05/payroll-startup-payfit-is-frances-latest-unicorn-as-it-raises-289-million/?utm_campaign=Newsletter%20-%20Finledger%20Daily&amp;utm_medium=email&amp;_hsmi=200158429&amp;utm_content=200158429&amp;utm_source=hs_email&amp;_hsenc=p2ANqtz-_30RfYih8yTNRup_sFJJjJhFEqEUvKFevTmJhAGrCkIf2bOdm5NycIRxonPFu8EGXmIvtN">secured</a> $289M in a round.</li>
<li>Pacer ETFs <a href="https://www.businesswire.com/news/home/20220106005222/en/Pacer-ETFs-Celebrates-Rapid-Growth-in-2021-Crosses-the-10-Billion-AUM-Mark-as-It-Sets-Stage-For-2022?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-_30RfYih8yTNRup_sFJJjJhFEqEUvKFevTmJhAGrCkIf2bOdm5NycIRxonPFu8EGXmIvtN">grew</a> AUM to $10.2B.</li>
<li>Brankas <a href="https://www.businesstimes.com.sg/garage/fintech-startup-brankas-raises-us20m-series-b-funds-led-by-insignia?utm_campaign=Newsletter%20-%20Finledger%20Daily&amp;utm_medium=email&amp;_hsmi=200158429&amp;utm_content=200158429&amp;utm_source=hs_email&amp;_hsenc=p2ANqtz-_30RfYih8yTNRup_sFJJjJhFEqEUvKFevTmJhAGrCkIf2bOdm5NycIRxonPFu8EGXmIvtN">adding</a> a $20M Series B.</li>
</ul>
Watch Out For This: Jason Raznick, the founder and CEO at Benzinga, the largest news and data provider to global brokerages and news outlets, in his show the &quot;Raz Report&quot; discusses entrepreneurship, overcoming the challenges to success, and financial markets.
In a recent episode, Raznick chatted with Griffin Johnson, a 22-year-old social media influencer, entrepreneur, and investor at Animal Capital, regarding his experiences networking in Hollywood.
Johnson, who has come across a ton of adversity in the building of his brand, says that networking and building relationships are all about the willingness to put fears aside to cold-contact individuals that inspire.
Source: <a href="https://www.benzinga.com/general/movers-shakers/22/01/20867522/how-this-person-met-shaq-and-how-you-can-too?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-_30RfYih8yTNRup_sFJJjJhFEqEUvKFevTmJhAGrCkIf2bOdm5NycIRxonPFu8EGXmIvtN">Benzinga</a>
<img src="https://cdn2.hubspot.net/hub/2786381/hubfs/giphy%20(4)-Jan-07-2022-12-30-30-81-AM.gif?upscale=true&amp;width=800&amp;upscale=true&amp;name=giphy%20(4)-Jan-07-2022-12-30-30-81-AM.gif" />
Interesting Reads:
<ul>
<li>What&rsquo;s going on in LatAm fintech.</li>
<li>Samsung entering the metaverse.&nbsp;</li>
<li>Fintech is leading VC investment.</li>
<li>Fashion and the metaverse meet.</li>
</ul>
Market Moving Headline: The long history of the Fed and business cycles, beginning in the 1920s, is repeatedly being late to remove accommodation coming out of recession, then hurrying to catch up, thereby creating the next downturn.
The same outcome now looks to be baked-in-the-cake, unless the Fed, unwilling to accept a bear market in equities, moves the goalposts, and declares 3% the new inflation target &ndash; while still hoping for a bailout from better productivity and a deflation wave from the rest of the world later in the year.
Source: <a href="http://email.mail.themarketear.com/c/eJxdTrGOwyAU-xpYqoseLxTCwFCdjqXbLZ1J-u6CjkBFXlWpX190YyXLlj3YvnqrNMnkERBBgUHUSttBDcFqhTiBM-H4dQqfQsMWUx54pS22P2KKbVjqJlcf3RVIm0mR1Xb-iaQc4nE0oCxpB05u3hkHk8x-Zb7tYjwJDB3vXT261Z33rktJU_74rue7bL5RiVz7g5nKM5Xf-D_MvtBjz8RMrZtLyvkgEBN3Osz1XhYSY3gBl-hE3w?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-_30RfYih8yTNRup_sFJJjJhFEqEUvKFevTmJhAGrCkIf2bOdm5NycIRxonPFu8EGXmIvtN">TS Lombard</a>
<img src="https://cdn2.hubspot.net/hub/2786381/hubfs/giphy%20(5)-Jan-07-2022-12-30-30-60-AM.gif?upscale=true&amp;width=800&amp;upscale=true&amp;name=giphy%20(5)-Jan-07-2022-12-30-30-60-AM.gif" />

Fintech Focus For January 7, 2022

<img alt="Fintech Header" src="https://cdn2.hubspot.net/hub/2786381/hubfs/Fintech%20Header.png?upscale=true&amp;width=800&amp;upscale=true&amp;name=Fintech%20Header.png" />
One Big Thing In Fintech: Co-founder and CEO of AI data analytics start-up, Qi, says retail investors now dominate equity flows, which will force institutional investors to assess their cost structures, performance and how they use data.
Source: <a href="https://www.thetradenews.com/institutional-investors-caught-on-the-back-foot-by-the-rise-of-the-retail-investors-and-crypto/?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-9iLHOAt4lXau3EWsczULYEnB0HAGUjAbkJU54tQ4fM2ZsKGXhiIgjyIntpD4YkxO6K3B8q">The Trade</a>
<img src="https://cdn2.hubspot.net/hub/2786381/hubfs/giphy-Nov-28-2021-02-23-33-22-PM.gif?upscale=true&amp;width=800&amp;upscale=true&amp;name=giphy-Nov-28-2021-02-23-33-22-PM.gif" />
Other Key Fintech Developments:
<ul>
<li>Monzo <a href="https://www.finextra.com/newsarticle/39295/monzo-adds-virtual-card-for-contactless-payments-to-flex-bnpl-product?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-9iLHOAt4lXau3EWsczULYEnB0HAGUjAbkJU54tQ4fM2ZsKGXhiIgjyIntpD4YkxO6K3B8q">adds</a> card to Flex offer.&nbsp;</li>
<li>Experian <a href="https://www.finextra.com/pressarticle/90448/experian-launches-digital-verification-service-for-payroll-data-sharing-consent?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-9iLHOAt4lXau3EWsczULYEnB0HAGUjAbkJU54tQ4fM2ZsKGXhiIgjyIntpD4YkxO6K3B8q">intros</a> digital updates. (OTC: <a class="ticker" href="https://www.benzinga.com/stock/expgy#OTC">EXPGY</a>)</li>
<li>Revolut <a href="https://financefeeds.us11.list-manage.com/track/click?u=a4667cefaa18cf1229203c36e&amp;id=600a025095&amp;e=333ad69d28&amp;utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-9iLHOAt4lXau3EWsczULYEnB0HAGUjAbkJU54tQ4fM2ZsKGXhiIgjyIntpD4YkxO6K3B8q">entered</a> physical POS.</li>
<li>TabTrader <a href="https://techcrunch.com/2021/11/24/tabtrader-raises-5-8m-for-a-mobile-app-that-aggregates-crypto-exchange-data/?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-9iLHOAt4lXau3EWsczULYEnB0HAGUjAbkJU54tQ4fM2ZsKGXhiIgjyIntpD4YkxO6K3B8q">added</a> $5.8M round.</li>
<li>Klarna <a href="https://www.cnbc.com/2021/11/26/klarna-losses-quadruple-amid-huge-demand-for-buy-now-pay-later.html?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-9iLHOAt4lXau3EWsczULYEnB0HAGUjAbkJU54tQ4fM2ZsKGXhiIgjyIntpD4YkxO6K3B8q">sees</a> its loss quadruple.</li>
<li>BISON <a href="https://financefeeds.us11.list-manage.com/track/click?u=a4667cefaa18cf1229203c36e&amp;id=3267a64043&amp;e=333ad69d28&amp;utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-9iLHOAt4lXau3EWsczULYEnB0HAGUjAbkJU54tQ4fM2ZsKGXhiIgjyIntpD4YkxO6K3B8q">intros</a> new saving offer.</li>
<li>Ninety-Nine <a href="https://financefeeds.us11.list-manage.com/track/click?u=a4667cefaa18cf1229203c36e&amp;id=0b3c0f9eef&amp;e=333ad69d28&amp;utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-9iLHOAt4lXau3EWsczULYEnB0HAGUjAbkJU54tQ4fM2ZsKGXhiIgjyIntpD4YkxO6K3B8q">adds</a> to payments.</li>
<li>OnePipe <a href="https://techcrunch.com/2021/11/23/nigerias-onepipe-raises-3-5m-to-double-down-on-its-embedded-finance-offering/?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-9iLHOAt4lXau3EWsczULYEnB0HAGUjAbkJU54tQ4fM2ZsKGXhiIgjyIntpD4YkxO6K3B8q">secures</a> $3.5M round.</li>
<li>Japan <a href="https://techwireasia.com/2021/11/japan-to-try-a-new-bank-deposit-backed-digital-currency/?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-9iLHOAt4lXau3EWsczULYEnB0HAGUjAbkJU54tQ4fM2ZsKGXhiIgjyIntpD4YkxO6K3B8q">plans</a> a digital currency.</li>
<li>EU <a href="https://www.theblockcrypto.com/linked/125459/council-of-the-european-union-moves-forward-on-two-crypto-proposals?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-9iLHOAt4lXau3EWsczULYEnB0HAGUjAbkJU54tQ4fM2ZsKGXhiIgjyIntpD4YkxO6K3B8q">moves</a> on crypto proposals.</li>
<li>Bitfinex <a href="https://www.finextra.com/pressarticle/90447/bitfinex-launches-fix-gateway-for-high-speed-trading?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-9iLHOAt4lXau3EWsczULYEnB0HAGUjAbkJU54tQ4fM2ZsKGXhiIgjyIntpD4YkxO6K3B8q">launches</a> FIX gateway.</li>
</ul>
Watch Out For This: South Africa has angrily condemned travel restrictions imposed by countries including Britain as &ldquo;knee-jerk and draconian&rdquo; as it scrambled to assess the potential for the new Covid-19 variant to unleash a deadly fourth wave.
Source: <a href="https://www.theguardian.com/world/2021/nov/26/south-africa-b11529-covid-variant-vaccination?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-9iLHOAt4lXau3EWsczULYEnB0HAGUjAbkJU54tQ4fM2ZsKGXhiIgjyIntpD4YkxO6K3B8q">The Guardian</a>
<img src="https://cdn2.hubspot.net/hub/2786381/hubfs/giphy%20(1)-Nov-28-2021-02-23-32-17-PM.gif?upscale=true&amp;width=800&amp;upscale=true&amp;name=giphy%20(1)-Nov-28-2021-02-23-32-17-PM.gif" />
Interesting Reads:
<ul>
<li>Black Friday shoppers <a href="https://www.cnbc.com/2021/11/27/black-friday-shopping-in-stores-drops-28percent-from-pre-pandemic-levels.html?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-9iLHOAt4lXau3EWsczULYEnB0HAGUjAbkJU54tQ4fM2ZsKGXhiIgjyIntpD4YkxO6K3B8q">not</a> out.</li>
<li>Tesla will <a href="https://www.bloomberg.com/news/articles/2021-11-28/tesla-to-start-production-in-germany-in-december-automobilwoche?srnd=premium&amp;utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-9iLHOAt4lXau3EWsczULYEnB0HAGUjAbkJU54tQ4fM2ZsKGXhiIgjyIntpD4YkxO6K3B8q">start</a> new production. (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/tsla#NASDAQ">TSLA</a>)</li>
<li>A love <a href="https://email.mg2.substack.com/c/eJxVUtuO2jAQ_RryRhTbucCDH1awbIMaEFsEVV8iXybBkNhp4pBNvr4GVFWVPGN75ozGnnMEs1CadqSN6az3cLkdG6Aahq4Ca6H1-g7aXEkaYpSQJPbcSaJFtPBUlxctQM1URW3bg9f0vFKCWWX0owAFEcHIu1AJHEUJkzEvIAoWBU9EiAoiAxZFIuLy1Zf1UoEWQOEO7Wg0eBW9WNt0M_I2wxu3itZoWzu7-F3PO8vEzRemdpnGWT3ORQWsVbq8GPfoeWXuzj0_MS9wMSMba26gZ2QN4xYJfBp_4uqWXk2QXd9JNgn8fbUdONkFf-O79WHcrcWwU4Ni503gYl-7a0b2xxRn12xy-EaQTO3VdpDn1GbHN5RN6Vfq8IKclMMr8bGc5AqNv86bq_yo7lxtl_7n6qDPn02ZTEPF3o8SATGkxE2yno5oOnzbpKcfgu_PCAlPURxghBCOESIBXvjYxwW4S5y4oS4JLJG_mH7zIerlLAzqEv83Ha-lLWhmjctx0JMbD3vGHVu52-teKzvmDsIrkNSzLyk8ac1L0NA6icicWYpikixxjAlZxtGLs4cswhCHSRB7rqk0rkrTfzz9AR9Yzdk?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-9iLHOAt4lXau3EWsczULYEnB0HAGUjAbkJU54tQ4fM2ZsKGXhiIgjyIntpD4YkxO6K3B8q">letter</a> to clearinghouses.</li>
<li>Jobs report to <a href="https://www.bloomberg.com/news/articles/2021-11-27/u-s-jobs-seen-posting-another-strong-increase-eco-week-ahead?srnd=premium&amp;utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-9iLHOAt4lXau3EWsczULYEnB0HAGUjAbkJU54tQ4fM2ZsKGXhiIgjyIntpD4YkxO6K3B8q">show</a> increases.</li>
<li>US gas prices are set to <a href="https://www.bloomberg.com/news/articles/2021-11-27/biden-says-u-s-gas-prices-will-drop-soon-but-it-ll-take-time?srnd=premium&amp;utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-9iLHOAt4lXau3EWsczULYEnB0HAGUjAbkJU54tQ4fM2ZsKGXhiIgjyIntpD4YkxO6K3B8q">drop</a>?</li>
<li>Omicron vaccine will be <a href="https://www.bloomberg.com/news/articles/2021-11-28/moderna-says-new-vaccine-for-omicron-may-be-ready-in-early-2022?srnd=premium&amp;utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-9iLHOAt4lXau3EWsczULYEnB0HAGUjAbkJU54tQ4fM2ZsKGXhiIgjyIntpD4YkxO6K3B8q">ready</a>.</li>
</ul>
Market Moving Headline: There has been a slight hawkish shift from the Fed recently. So far market effects are small, but we see tendencies of a stronger USD, higher real rates and more volatility in risky assets. We expect those trends to be reinforced in 2022.
Source: <a href="https://corporate.nordea.com/article/70262/week-ahead-when-doves-cry?utm_campaign=Fintech%20-%20BZ%20Fintech%20Daily%20Beat&amp;utm_source=hs_email&amp;utm_medium=email&amp;_hsenc=p2ANqtz-9iLHOAt4lXau3EWsczULYEnB0HAGUjAbkJU54tQ4fM2ZsKGXhiIgjyIntpD4YkxO6K3B8q">Nordea</a>
<img src="https://cdn2.hubspot.net/hub/2786381/hubfs/giphy%20(2)-Nov-28-2021-02-23-32-74-PM.gif?upscale=true&amp;width=800&amp;upscale=true&amp;name=giphy%20(2)-Nov-28-2021-02-23-32-74-PM.gif" />

All You Need To Know In Fintech For November 29, 2021

First-time homebuyers represent roughly one-third of all buyers in today&#39;s housing market, and many often underestimate what needs to be done to prepare for their last rent payment and first mortgage bill.&nbsp;
For the benefit of those making their first foray into property acquisition, Benzinga offers this five-step guide to understanding the homebuying process.
Step One: Can You Afford This? Let&rsquo;s get the unpleasant truth out of the way first: buying a home is an extremely labor-intensive pursuit that requires buyers to be in the proper financial state. To determine one&rsquo;s readiness, here are some criteria that need to be addressed:
<ul>
<li>Are you carrying excess debt, either through student loans, medical bills, credit cards or other interest-bearing burdens? If you are, it is recommended to mitigate &mdash; or, even better, erase&nbsp;&mdash; that debt&nbsp;before moving forward.</li>
<li>Do you have good credit? If you don&rsquo;t know, go over to AnnualCreditReport.com and access free reports from the three major credit reporting bureaus:&nbsp;Equifax (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/efx#NYSE">EFX</a>), Experian (OTC: <a class="ticker" href="https://www.benzinga.com/stock/expgy#OTC">EXPGY</a>) and TransUnion (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/tru#NYSE">TRU</a>). Shaky credit or worse will work against you when you apply for mortgages.</li>
<li>Will you be able to start and finish the buying process? This endeavor is riddled with expenditures, from a down payment at the beginning to closing costs at the end and other expenses in between, including home inspections and appraisals.</li>
<li>Do you understand what you&#39;re getting&nbsp;into? Homeownership comes with a multitude of costs, fees and invoiced services that take generous monthly bites out of a budget.</li>
</ul>
The folks at LendingTree (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/tree#NASDAQ">TREE</a>) recommend spending no more than 28% of&nbsp;income on housing-related payments each month. Do a number crunch and determine whether you can keep up with the 72% of your income that is left over.
Related Link: <a href="https://www.benzinga.com/money/best-mortgage-lenders-for-first-time-buyers/">Best Mortgage Lenders for First Time Home Buyers</a>
Step Two: What Do You Want? Simply, what are your goals in acquiring a home? Will this be a starter house for a new family, or is this going to a long-haul residence for growing that family? Or have you watched a bit too much&nbsp;HGTV and believe you can fix up a run-down property for fun and&nbsp;perhaps&nbsp;a lucrative profit?
Are you planning to use the home as a combination residence and business office, or will the home be the embarkation and return point for a weekday commute? Are you comfortable in a community-type environment for condominiums and townhomes, or would you prefer fences and lawns to maintain a cordial distance from your neighbors?
If you are considering a home in an area where you have limited familiarity, start researching neighborhood data including crime, school quality, local amenities and commerce and access to medical care.
Many communities are the subject of Facebook (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/fb#NASDAQ">FB</a>) forums, which offer a cross-section of comments from residents with something positive or negative to say about their surroundings.
Related Link: <a href="https://www.benzinga.com/money/first-time-home-buyer-programs-by-state/">Best First Time Home Buyer Programs by State</a>
Step Three: The Mortgage Process. There has never been a more wide and diverse selection of lenders for the potential mortgage borrower:&nbsp;banks, credit union, nonbank mortgage lenders, fintechs, federal loan programs and state housing finance agency programs are all competing for your business. That can be a plus and a minus.
On the plus side, mortgage rates remain at near-historic lows &mdash;Freddie Mac (OTC: <a class="ticker" href="https://www.benzinga.com/stock/fmcc#OTC">FMCC</a>) reported the 30-year fixed-rate mortgage averaged 3.13% for the week ending April 8, while the 15-year FRM averaged 2.42%.
This has brought more buyers to the market, and lenders are furiously competing to offer the most attractive loan programs to snag potential buyers.
On the negative side, a&nbsp;surplus number of lenders can leave a buyer spending a lot of time trying to find the right partner.
This can be a time-intensive activity, so schedule yourself accordingly. When you find a lender that you feel comfortable with, seek out a mortgage pre-approval letter, which will signal to home sellers and real estate agents that you are serious about a property purchase.
Related Link: <a href="https://www.benzinga.com/money/mortgages/">Learn About Mortgages</a>
Step Four: Using a Realtor or Going Solo? Working with a realtor is not a prerequisite for homebuying, but having an agent with a strong familiarity with an area and who might be aware of properties before they are listed is certainly advantageous.
As with choosing any vendor, do your research thoroughly &ndash; ask for recommendations, seek out online reviews, and don&rsquo;t be shy about peppering the realtor with as many questions as possible, especially in relation to helping first-time buyers. Realtor commissions average around 6% and are usually split between the buyer and the listing agent.
But for those who seek greater control of the process, there is no shortage of websites and apps that can connect you with sellers. But being able to navigate the iBuyer route is predicated on both your research skills in locating the desired property and your negotiating skills in trying to reach a mutually satisfactory agreement with a seller or the seller&rsquo;s representatives.
Related Link: <a href="https://www.benzinga.com/money/first-time-homebuyer-mortgage-process/">The Mortgage Process: First Time Homebuyers</a>
Step Five: Be Prepared For A Potentially Lengthy Journey. Today&rsquo;s housing market is pockmarked with historically low inventory, and bidding wars for the few listed properties are not uncommon. The brokerage Redfin (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/rdfn#NASDAQ">RDFN</a>) reported that 61% of the home offers written by its agents in February faced bidding wars, up slightly from 59.3% in January, while 36% of homes sold above list price, the highest percentage recorded.
On April 2, Redfin reported that asking prices of newly listed homes rose 14% year-over-year to $353,500, an all-time high. Affordable homeownership opportunities have been elusive in many major metro areas. Data from CoreLogic (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/clgx#NYSE">CLGX</a>) found home prices during February increased 16.2% year-over-year in Phoenix, 12.5% in Seattle and 8.2% in Los Angeles. At a state level, Idaho, Montana and South Dakota had the greatest price growth in February with 22.6%, 19.5% and 17.1% year-over-year increases, respectively.
Thus, the most important tool a first-time homebuyer could have is patience. It&#39;s a difficult housing market, but not an impossible one to crack. With the right financial and emotional planning, the American Dream can become a reality.
(Photo by Jens Neumann / Pixabay)

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Benzinga's 5-Step Guide For First-Time Homebuyers

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