... reliable (the collateral is real estate) and often have yields higher than OFZ. Subordinated bonds. Mainly issued by banks. In the event of non-payment, senior debts are serviced first, so they carry higher risks. In exchange, investors receive a higher coupon (usually 1–3% more). What to Look for When Choosing Bonds? When analyzing a specific bond issue, several important parameters must be considered. First and foremost ... ... portion of the interest proportionate to the time since the last payment. It is also important to assess the reliability of the issuer: the entity to which you are lending money. This can be done by looking at the credit rating and financial indicators of ...

... for issuers, investors, and participants in the financial market. This IR calendar compiles key events that will help companies monitor market trends, establish business connections, and participate in significant industry discussions. IR Calendar for Issuers in 2025 The year 2025 is poised to be eventful for market participants, including existing issuers and those planning to enter the capital market. This calendar compiles key events that will aid companies in navigating market trends, establishing new business connections, and engaging in ...

... for Tether in terms of managing its reserves and servicing clients; however, the company appears to have preemptively diversified its banking partners and transferred a significant portion of its reserves into securities, minimizing the impact of such events. Europe. In the European Union, the regulatory framework MiCA (Markets in Crypto-Assets) came into effect in 2024, establishing unified rules for crypto assets, including stablecoins. Under MiCA, stablecoin issuers (especially large ones, termed "electronic money tokens" or "asset-pegged tokens") must register in the EU, comply with strict requirements related to reserves' adequacy and liquidity, regularly disclose information, and adhere ...

... that competition is intensifying. Moving forward, the relationship between USDC and USDT will depend on user trust, technological advantages (such as USDC's multi-chain solutions versus USDT's broad coverage) and, of course, the regulatory conditions for each issuer. Regulatory Events and Circle News: The Impact on USDC The regulatory environment is one of the determining factors affecting the development of stablecoins and their perceived value (in terms of stability of backing). In recent years, important events have occurred ...

... overseas IPOs, thereby reducing overall portfolio risks. Participation in a prestigious event. Successful involvement in an IPO can enhance the status of the investor, while... ... value in the future. Risks of Investing in IPOs Lack of history and predictability. New issuers often lack a long financial history, and their growth forecasts may not materialize... ... Historically, many IPOs have experienced significant losses in the first months. Limitations for investors. Participation in certain offerings (especially of smaller companies)...