28 มกราคม 2569

FWD Group Expands into Tokenized Wealth Infrastructure via Strategic Partnership with ToVest

FWD Group is pleased to collaborate with ToVest within the RWA ecosystem to introduce innovative wealth protection solutions to the digital asset space. Together, we are launching integrated insurance options for tokenized gold, equities, and digital instruments, ensuring that as our customers’ portfolios evolve, their protection remains steadfast and secure. Financial Profile and Strength of FWD FWD currently serves approximately 34 million customers across 10 Asian markets, with total assets under management of around USD 59.4 billion (2025). The Group’s consolidated capital adequacy ratio stands at 283%, significantly above regulatory requirements, underscoring its strong solvency and financial resilience. In the first nine months of 2025, new business value (APE) grew 37% to USD 1.935 billion, while new contract service margins increased 27% year-on-year to USD 1.158 billion. The Group’s 2025 Hong Kong IPO raised approximately USD 466 million in new capital, accompanied by deleveraging initiatives through refinancing and repayment of USD 1.65 billion in debt, which reduced annual finance costs by USD 72 million. FWD ranks among the Top 7 MDRT (Million Dollar Round Table) global multinational insurers (2025), reflecting a strong financial advisory network and robust distribution capabilities. ToVest and the Expansion of RWA ToVest is an investment and trading platform for tokenized real-world assets and digital assets, enabling investors to access economic exposure to gold, commodities, equities, and other traditional financial instruments through tokenization. The platform emphasizes transparency, cross-border accessibility, and liquidity, combining traditional financial standards with blockchain-based infrastructure for both retail and institutional users. With RWA emerging as one of the fastest-growing segments in digital assets, the integration of insurance into RWA markets is seen as a natural next step to enhance risk management and drive broader market adoption. Rationale for the Partnership The partnership aligns with FWD’s digital insurance expansion strategy and its focus on capturing younger customer segments, where demand for asset protection linked to digital financial transactions is rising sharply. Meanwhile, ToVest provides technology and distribution capabilities, particularly in real-time portfolio monitoring and risk-alert systems. Planned Product Models Both parties have agreed to develop and implement several product models, including: Insurance for RWA Positions and Tokenized Assets Allows users to insure tokenized RWA positions such as GOLDx or tokenized stocks, with an expected annual premium of 0.5–1%. The goal is to mitigate price volatility or operational risks and increase long-term holding rates. “Hold & Protect” Program Encourages users to maintain RWA holdings for longer periods in exchange for free insurance coverage for 30–90 days, aiming to improve capital stickiness on the platform. Referral-Linked and Agent-Distributed Insurance Expands distribution channels via agents and KOLs, where both referrers and referees may receive complimentary coverage upon meeting activity thresholds. AI Risk Alerts with Automated Insurance Recommendations Leverages real-time data to issue liquidation-risk alerts and recommend suitable insurance coverage, helping users avoid large drawdowns in leveraged trading. Joint Market Activation and Events Targeting Hong Kong, Vietnam, Indonesia, and Thailand — markets where FWD maintains commercial presence and sizable customer bases. Market Implications The insurance-enabled RWA model may facilitate broader adoption of digital asset products, especially in emerging markets where legal protections for digital assets remain limited. The partnership is viewed as an important step in establishing insurance as a stabilizing financial layer for tokenized markets, similar to how credit insurance products historically supported the development of corporate bond markets.

28 มกราคม 2569

Meet the Official ToVest Business Development Team – Your Trusted Partners

We’re excited to officially introduce the **ToVest Business Development (BD) Team** – your dedicated partners for long-term collaboration, KOL & agency partnerships, and community growth. ✅ Official Telegram: **@TOVESTBD** ✅ Verified & Authenticated – This is one of the official BD account** of ToVest. You can safely reach out for partnership inquiries, referral programs, event co-hosting, or custom support. Our BD team is here to help you maximize earnings through: - Up to 80% commission sharing - Exclusive campaigns & rewards - Priority access to new RWA products Rest assured: Any communication from **@TOVESTBD** is 100% legitimate. Beware of impersonators – we never DM first or ask for funds/private keys. Ready to collaborate? Message us on Telegram → **@TOVESTBD** Let’s build the future of RWA & crypto trading together! 🚀

15 มกราคม 2569

Crypto‑to‑US Stock Investing Risks & Opportunities in 2026

Investors can now move between crypto and U.S. stocks more easily than ever—funding brokerage accounts with digital assets, buying spot bitcoin ETFs, or accessing tokenized shares that mirror listed equities. The benefits are clear: new diversification levers, fractional access, and potentially faster settlement. The trade‑offs are equally real: higher volatility, evolving regulation, and custody complexity. This guide explains the 2026 landscape, from institutional adoption and tokenization to correlation math, risks, and practical allocation playbooks. ToVest’s role is straightforward: provide clear, research‑backed guidance and tools so retail investors can harness innovation without taking on avoidable risks. Strategic Overview Institutional demand, maturing ETF wrappers, and rapid advances in tokenization are blurring the line between crypto and U.S. equity investing. Spot bitcoin ETFs have embedded crypto exposure into mainstream portfolios, while tokenized securities are bringing fractional, 24/7 access and programmable features to traditional assets. At the same time, regulators are clarifying parts of the rulebook—particularly around ETFs and stablecoins—though market structure and DeFi oversight remain in flux. For individual investors, the question isn’t whether crypto and stocks intersect; it’s how to size and implement exposure responsibly. ToVest helps investors evaluate risk, diversification, and execution options with transparent education and portfolio analytics. Institutional Trends Shaping Crypto and US Stock Integration Institutionalization refers to the adoption of crypto by large, traditional financial players via regulated vehicles, mandates, and standardized custody. The trend is accelerating in 2026: global assets in crypto ETFs and ETPs are estimated above $200 billion, with continued penetration expected through ETF wrappers into 401(k)s and mandates this year, according to a recent outlook on five key crypto trends for 2026 from Forbes. Products like spot bitcoin ETFs and diversified digital‑asset ETPs are increasingly owned by intermediaries rather than retail alone; in fact, investment advisors now hold a substantial portion of ETP assets, with research from Grayscale’s 2026 outlook noting that roughly half of crypto ETP assets sit with advisor channels, a sign of mainstream portfolio integration. Table: Where integration stands versus early adoption Broader education from mainstream firms—such as Schwab’s balanced take on crypto’s role and risks—underscores that institutional acceptance is growing, even as prudent risk controls remain paramount. Tokenization and New Access to Traditional Assets Tokenization is the process of converting traditional assets, such as stocks or bonds, into digital tokens on a blockchain, enabling fractional ownership, programmable features, and 24/7 trading. Regulatory plumbing is adapting: Forbes notes the SEC approved the DTCC to provide tokenization services, a milestone for bringing traditional finance workflows on‑chain. The World Economic Forum highlights that tokenization enables fractional, programmable, tradable representations of assets on blockchains, broadening access and improving operational efficiency. Key benefits investors care about: Fractional access that lowers entry points and widens participation. Faster settlement and improved liquidity from always-on markets and on-chain rails. Programmatic rebalancing, composability with other assets, and transparent audit trails. Use cases range from tokenized stocks and bonds to real-world assets like funds, real estate, and collectibles—expanding the investable universe beyond listed equities and Treasuries. At the same time, investors should understand tokenized-stock design and counterparty risks, which Bankrate has flagged as a distinct set of issues compared with owning underlying shares through traditional brokers. Tokenization benefits versus traditional finance: Lower minimums vs. full-share constraints 24/7 trading vs. market-hour windows Real-time settlement vs. T+1/T+2 cycles On-chain transparency vs. fragmented back offices Regulatory Landscape and Its Impact on Investment Strategies Regulatory clarity refers to the establishment of clear, consistent legal rules governing financial activities, which helps investors manage compliance uncertainty. Progress is real yet uneven in 2026. Money.com’s predictions highlight proposals like the GENIUS Act, which would define rules for issuing, reserves, and oversight of stablecoins, and anticipate additional IRS guidance providing greater clarity on crypto taxes. Fidelity’s investor education also emphasizes that taxes, reporting, and regulatory oversight remain essential considerations for crypto users. Even with improvements, uncertainty still matters. Schwab cautions that evolving rules and market structure can affect access, liquidity, and product design, keeping some institutions cautious. Practical takeaways: Prefer regulated ETFs/ETPs for core exposure while rulebooks mature. Stress-test allocations for sudden policy changes (listing venue restrictions, tax treatments, or custody rules). Monitor new rules for DeFi protocols and tokenized assets, including redemption mechanics and disclosures. Checklist: What’s clear vs. still evolving in 2026 Correlation Dynamics and Portfolio Diversification Benefits Correlation measures how closely the returns of two assets move in relation to each other. Low or negative correlation means the assets behave differently, which can improve diversification. Rolling 90‑day correlations show bitcoin’s correlation with the S&P 500 has rarely exceeded 0.50, according to Bitwise’s 2026 predictions, supporting the case for crypto as a diversifier. Bitwise also expects crypto-specific factors—like supply halving effects and on-chain flows—to further reduce correlation with equities in 2026. How much crypto might help? Some large-bank strategists suggest that a modest 1–4% allocation can enhance diversification without dominating portfolio risk, as discussed in a 2026 market outlook video from Bank of America. A simple way to evaluate diversification benefits: Estimate crypto’s expected volatility and correlation to your stock sleeve (use rolling correlations from reputable sources). Start with a small slice (1–2%) and model portfolio volatility and drawdowns. Stress-test for equity-down and crypto-down scenarios separately. If the risk/return improves, consider scaling toward 3–4% with periodic rebalancing. Prefer liquid, regulated vehicles to minimize implementation and custody frictions. For a foundational comparison of crypto and stocks—including volatility, liquidity, and time horizon trade-offs—see Bankrate’s overview contrasting the two asset classes. Risks of Crypto-to-US Stock Investing Risk in investing refers to the potential for loss or the variability of investment returns, arising from factors such as market swings, regulatory changes, or technology failures. Primary risks to weigh: Regulatory shock: Unexpected rules can trigger rapid repricing or access limits, especially for tokenized or on-chain instruments, as noted in 2026 outlooks from Money.com. Liquidity and custody: New token rails reduce settlement friction but introduce orchestration and redemption risks until standards mature; Bankrate’s analysis of tokenized stocks explains why structure and counterparties matter. Volatility: Bitcoin remains far more volatile than the S&P 500; 2026 reassessments still show a persistent volatility gap, per Investing.com research. Valuation concentration: Niche crypto equities and ETPs can concentrate exposure to a few winners, raising idiosyncratic risk; Bitwise’s predictions discuss dispersion risks in crypto markets. Consumer protection and scams: State regulators continue to warn about fraud and loss risks in crypto markets, per guidance from the DC Department of Insurance, Securities and Banking. Comparing risk profiles Consider stress-testing your portfolio for rule changes, liquidity squeezes, and high-volatility scenarios before adding or sizing crypto allocations. Opportunities in Crypto-Backed US Stock Investments Opportunities include new diversification levers, innovative token‑based products, and access to asset classes that were previously hard to reach. Crypto ETFs/ETPs and tokenized securities create lower-friction ways to gain exposure without handling private keys—useful for modest allocations inside diversified portfolios, as highlighted in Bitwise’s 2026 view. Money.com notes that many investors see 2026 dips as long‑term entry points. Adoption momentum is rising: about 30% of Americans owned cryptocurrency in 2026, and 61% planned to buy more, according to Security.org’s annual consumer report. Where investors can benefit: Lower entry barriers via fractionalized stocks and funds. Potential sources of alpha from less-correlated digital assets. Tactical slices such as 1–4% crypto exposure to balance diversification and risk, echoing bank strategist guidelines. Top opportunity areas for 2026: Regulated spot crypto ETFs inside retirement and advisory accounts Tokenized Treasurys and investment-grade credit for yield and liquidity Blue-chip crypto plus quality miners or infrastructure equities as satellite exposure Dollar-cost averaging into diversified crypto baskets to reduce timing risk ToVest’s Strategic Guidance for Crypto and US Stock Allocations Treat crypto exposure as a strategic, experimental sleeve: size allocations modestly, prefer regulated ETPs or tokenized instruments with clear redemption mechanics, and stress-test for regulatory, liquidity, and correlation shocks. ToVest’s philosophy is to balance innovation with simplicity and transparency. Best practices: Keep total crypto exposure small relative to your equity sleeve (1–4%) and rebalance periodically. Prioritize high-quality assets and ETFs with transparent holdings, oversight, and robust liquidity. Use ToVest’s portfolio analysis to track rolling correlations, simulate drawdowns, and monitor regulatory headlines. Educate continuously; start with ToVest’s portfolio management guide and risk management primers for step-by-step frameworks. A quick ToVest checklist for implementing a crypto-to-stock allocation: Define your objective: diversification, return enhancement, or liquidity. Choose vehicle(s): spot ETF/ETP for core, tokenized instruments only where redemption mechanics are clear. Set size and rules: begin at 1–2%, cap at 4%, and pre-commit to rebalancing bands. Run stress tests in ToVest for policy, liquidity, and volatility scenarios. Execute and monitor: track slippage, spreads, and correlation drift; revisit quarterly. Continue learning with ToVest’s market outlooks and educational modules. Explore ToVest’s latest outlooks and portfolio how-tos to turn these steps into an actionable plan: see our market trends briefing, portfolio academy module, and risk analysis walkthrough. Frequently asked questions How volatile is Bitcoin compared to US stocks? Bitcoin is still materially more volatile than broad U.S. equity benchmarks like the S&P 500, even if high-growth tech names occasionally show significant swings. What is the expected correlation between crypto and US equities? Historically low and variable; bitcoin’s rolling correlation with the S&P 500 has rarely exceeded 0.50, implying diversification potential. How will regulatory changes affect crypto-to-stock investments in 2026? ETF and tax clarity are improving access, but evolving rules for DeFi and tokenized assets mean investors should favor regulated vehicles and stay alert to policy updates. What role do tokenized stocks play in modern portfolios? They offer fractional access, programmability, and extended trading hours, but investors must understand issuer structure and redemption mechanics. How can investors balance risk and opportunity in crypto and US stocks? Use a modest crypto sleeve within a diversified stock portfolio, prefer regulated products, and rebalance and stress-test regularly.

14 มกราคม 2569

2026 Investor’s Playbook: Secure Tokenized Real Estate and Stock Opportunities Today

Global investors are no longer limited by borders, time zones, or large minimums. In 2026, you can buy fractional interests in U.S. real estate or stocks as blockchain-based tokens, fund your account with stablecoins, and trade around the clock—provided you stick to regulated platforms and clear documentation. This playbook shows how to buy tokenized real estate and tokenized stocks safely: choose a compliant platform, complete onboarding, evaluate token economics and liquidity, confirm audits and insurance, and build a diversified, exit-ready portfolio. Throughout, we highlight ToVest’s secure, transparent approach to compliant fractional ownership and 24/7 trading, designed for cost- and security-conscious international investors. Understanding Tokenized Assets Tokenized assets are digital representations of real-world financial instruments or properties recorded on a blockchain, enabling fractional ownership, programmable features, and automated compliance. Real-world asset tokenization is moving from pilot projects into mainstream finance, with multiple industries poised for significant transformation by 2026, according to an analysis on how RWA tokenization could transform industries by 2026 (fool.com). This shift is bringing tokenized real estate and tokenized stocks to everyday investors through regulated, user-friendly platforms. Comparison at a glance What Are Tokenized Real Estate and Stocks? Tokenized real estate uses blockchain-based tokens to represent fractional ownership of physical property, letting investors buy, sell, and trade stakes much like digital securities (A Strategic Guide to Real Estate Tokenization in 2026, antiersolutions.com). Tokenized stocks are blockchain tokens that mirror the economic rights of traditional equity—such as dividends and, where applicable, governance—delivered through a compliant wrapper. In practice, rights and restrictions depend on the offering documents and jurisdiction. Real-world platforms illustrating this trend include ToVest, RealT, Securitize, Brickken, and tZERO, showcasing compliant issuance and secondary trading across property and equity markets (Top Real Estate Tokenization Platforms Driving the 2026 Market, linkedin.com). How Do Tokenized Assets Work on Blockchain? Tokenization leverages blockchain to support 24/7 market access, transparent transaction histories, and programmable features such as automated dividends and compliance checks embedded in smart contracts (Real World Assets: Crypto Investment for 2026, rwa.io). A typical lifecycle includes asset selection and legal structuring, token issuance, investor onboarding with AML/KYC, a primary offering, and secondary trading supported by automated payouts and cap table updates. Process at a glance: Asset origination → Legal structuring and disclosures → Smart-contract/token issuance → KYC/AML onboarding → Primary sale → Secondary trading → Automated distributions and reporting. Benefits of Investing in Tokenized Real Estate and Stocks Fractional ownership: Start with smaller tickets while accessing premium U.S. assets. Lower minimums and costs: Digitized workflows reduce friction compared to paper-heavy processes. Liquidity and near-instant settlement: Trade on compliant secondary markets with faster finality and transparent order books (Tokenized Assets: Platforms for 2026, rwa.io). 24/7 access: Participate outside traditional market hours, subject to jurisdictional rules (rwa.io). Programmable cash flows: Smart contracts can automate dividends, interest, and governance actions (rwa.io). Global reach with compliance controls: Qualified investors can participate across borders through standardized AML/KYC. Key Risks and Regulatory Considerations Regulatory uncertainty, platform risk, smart contract vulnerabilities, custody/key management, and variable liquidity are the principal risks to plan for in 2026 (Tokenized Assets: Platforms for 2026, rwa.io). Regulatory compliance is the process of ensuring all activities and offerings meet local and global securities, AML, and KYC requirements to protect investors. Risk management map Step 1: Research and Choose a Trusted Tokenization Platform The right platform determines your asset menu, liquidity, fees, and compliance experience. Prioritize regulated venues with a documented track record, deep asset catalogs, robust custodial options, and active secondary markets (Top Real Estate Tokenization Platforms in 2025 and 2026, zoniqx.com). Leading platforms active in 2026 include ToVest, Securitize, tZERO, RealT, Brickken, RedSwan CRE, and RealBlocks (linkedin.com; zoniqx.com). ToVest emphasizes compliant fractional access to U.S. stocks and real estate, 24/7 trading, and institutional-grade infrastructure for international investors. Platform selection checklist Explore ToVest’s approach to compliant, global access to tokenized assets (tovest.com). Step 2: Verify Legal and Regulatory Compliance Confirm that the platform and each offering adhere to securities laws, AML/KYC protocols, and publish prospectuses, private placement memoranda, or equivalent offering documents. Jurisdictional compliance means satisfying the legal standards for investors and operators in each country or region where services are offered. Practical checks include: Licensing: Look for published regulatory licenses/registrations and named compliance officers (How to Tokenize Real Estate, webmobinfo.ch). Eligibility: Confirm who can invest (retail/qualified), jurisdictional restrictions, and transfer limitations. Documentation: Review offering terms, risk factors, rights (dividends/votes), and audited financials where applicable. Step 3: Complete Investor Onboarding and Secure Custody KYC typically requires a government ID, proof of address, and, for entities, corporate documents. ToVest employs robust AML controls and international onboarding to safeguard investors. Custodial vs. non‑custodial wallets: Custodial: A regulated custodian holds assets and keys; this allows for simpler recovery and integrated compliance. Non-custodial: You control keys; this provides higher autonomy but requires responsibility for security and backups. Onboarding flow Create an account and complete identity verification. Fund via bank transfer or approved stablecoins (e.g., USDC), noting network and deposit instructions. Choose custody: platform custodian or connect a supported wallet. Review and accept offering documents before placing orders. Step 4: Evaluate Token Economics and Market Liquidity Token economics is the study of how token supply, distribution, incentives, and usage influence the value and function of a tokenized asset. Before investing, analyze supply caps, fee structures, payout mechanics, governance rights, and secondary market depth (Real World Assets: Crypto Investment for 2026, rwa.io). Term sheet essentials and where to look Step 5: Confirm Audit, Insurance, and Institutional Backing Favor assets and platforms with independent smart contract audits, insured custody, and reputable institutional partners or managers (zoniqx.com). A smart contract audit is an independent verification of a blockchain contract’s code to ensure security and proper functioning. Security due-diligence checklist Audit status: Name of auditor, date, and scope of findings. Custody protections: Insurance coverage, segregation, and SOC reports. Institutional involvement: Recognized property managers, transfer agents, or underwriting partners. Operational transparency: Incident response plans, change-management policies, uptime history. Step 6: Build a Diversified Portfolio with Tokenized and Traditional Assets Blend tokenized assets with traditional holdings to improve resilience. Many 2026 playbooks emphasize a greater role for alternatives alongside equities and bonds as investors seek diversified sources of return (AI, Stocks, Alternatives, and the New Market Playbook for 2026, blackrock.com). A reimagined 60/40 with tokenization Adjust weights to your risk tolerance, jurisdiction, and time horizon. Step 7: Plan Exits and Monitor Market and Regulatory Changes Before you buy, confirm there’s a compliant, liquid secondary market, applicable lockups, and all exit fees. Ongoing success requires monitoring platform health, legal/regulatory changes, and new listings or features as the tokenization market evolves (Tokenized Assets: Platforms for 2026, rwa.io). Ongoing monitoring checklist Secondary market: Spreads, volumes, and settlement reliability. Regulatory updates: New guidance that affects eligibility, custody, or reporting. Platform security: Fresh audit reports, incident disclosures, uptime metrics. Asset performance: Distribution timeliness, NAV or appraisal updates, tenant/issuer news. Pipeline: Upcoming listings for diversification and rebalancing. Frequently Asked Questions What types of tokenized assets can I invest in? Investors can access tokenized real estate, U.S. and global equity shares, private credit, tokenized funds, and other real-world asset tokens, depending on platform availability and compliance. How secure is the ownership of tokenized stocks and real estate? Ownership is recorded on-chain and safeguarded by AML/KYC checks and audited smart contracts on regulated platforms, which help protect legal rights and custody. Can I trade tokenized assets around the clock? Yes, many compliant platforms, including ToVest, support 24/7 trading with near-instant settlement, subject to jurisdictional rules. What are the typical fees involved in tokenized asset investing? Expect trading spreads, possible management or platform fees, and withdrawal charges; reputable platforms publish these schedules upfront. How do I know if tokenized assets comply with regulations in my country? Check for platform registration, clear jurisdictional eligibility disclosures, and visible AML/KYC policies, and review the offering documents before investing.

14 มกราคม 2569

2026’s Safest International Stocks: What Every Investor Must Know

Investors seeking secure global stock investing in 2026 are looking beyond their home markets for stability, value, and diversification. Developed market equities overseas are positioned to benefit from easing financial conditions, improving earnings, and less concentrated sector risks. As one leading outlook puts it, “Overseas stocks from developed markets are on track to eclipse U.S. stocks,” thanks to rate cuts and fiscal support in Europe and better relative valuations. For investors, the safest international stocks tend to share durable cash flows, conservative balance sheets, diversified revenue, and exposure to defensive sectors. Below, we outline the case for international exposure, the criteria that define “safe,” seven resilient names to watch, and portfolio strategies—including how ToVest helps investors access global markets securely and transparently. ToVest: Secure Access to Global Stock Ownership ToVest enables non-U.S. investors to buy tokenized shares of U.S. and international equities and real-world assets with low minimums, 24/7 trading, and instant settlement—all underpinned by blockchain-powered infrastructure designed for transparency and speed. Fractional ownership means investors can purchase less than one full share of a stock or asset, opening access to high-priced markets and supporting diversified portfolios regardless of account size. Security is foundational: regulated custody, stablecoin funding options for efficient cross-border movement, ultra-low latency execution, and full KYC/AML compliance help minimize operational and settlement risks. For investors prioritizing secure global stock investing, ToVest’s architecture provides institutional-grade safeguards and real-time portfolio visibility that traditional brokerages typically can’t match. Why Invest in International Stocks for 2026 International stocks are shares of publicly listed companies based outside an investor’s home country. In 2026, the macro case for going global is compelling: developed markets, particularly Europe, are poised to benefit from monetary easing and fiscal programs, with attractive entry valuations relative to U.S. peers, and the potential for renewed earnings momentum. Notably, Schwab’s 2026 international outlook observes that developed markets appear set to outperform U.S. stocks as the policy mix improves and valuations normalize (Schwab’s 2026 international outlook). Top advantages: Valuation support: Developed market equities trade at discounts to U.S. counterparts (Schwab’s 2026 international outlook). Diversification: International holdings reduce portfolio concentration and can dampen volatility, as leadership rotates across cycles (Fidelity’s international stocks outlook). Earnings potential: Analysts see room for double-digit overseas earnings growth as policy tailwinds emerge (Yahoo Finance roundup of overseas stocks to buy). Fact to remember: Over the past decade, U.S. stocks led performance, but regime shifts occur, and diversification across regions has historically improved risk-adjusted outcomes (Fidelity’s international stocks outlook). Key Criteria for Identifying Safe International Stocks Safer international stocks typically combine strong balance sheets, recurring cash flow, low leverage, diversified revenue streams across geographies and customers, and defensible sector exposure—often in healthcare, consumer staples, or regulated financials—at reasonable valuations. Key metrics to know: Dividend yield: Cash returned to shareholders, often signaling mature, cash-generative businesses. Debt-to-equity ratio: Lower leverage can provide durability in downturns. Revenue diversification: Sales spread across products and regions, reducing single-market shocks. Defensive sectors: Industries like healthcare and consumer staples with steady demand through cycles. What to look for and why: Balance sheet strength (low debt, ample cash) — cushions volatility and funds reinvestment/dividends. Stable/recurring revenue (subscriptions, essential goods/services) — supports visibility in cash flows. Geographic/customer diversification — lowers exposure to country-specific risks. Defensive industry positioning — limits cyclicality. Attractive valuation vs. growth — widens margin of safety. Research highlights multiple resilient areas meeting these criteria—financials, select consumer brands, healthcare, and defensive tech/services—standing out for 2026 (Morningstar’s list of best international companies to own). HSBC Holdings HSBC Holdings is a UK-based global bank with diversified revenue across Asia, Europe, and the Middle East, making it a staple for defensive financial exposure (Yahoo Finance roundup of overseas stocks to buy). Diversified revenue means the company earns from multiple business lines and regions, reducing reliance on any single economy. With Europe’s outlook buoyed by expected rate cuts and stimulus, the financials sector could enjoy a more supportive backdrop in 2026 (Schwab’s 2026 international outlook). HSBC’s stringent regulatory oversight, cross-border reach, and history of navigating varied cycles reinforce its role as a core international holding. Sony Group Sony Group, the diversified Japanese leader in electronics, entertainment, and gaming, combines strong brand equity with recurring revenue from content and subscriptions (Yahoo Finance roundup of overseas stocks to buy). The company’s exposure to structural trends—premium devices, streaming/IP, and interactive entertainment—has helped drive robust cash generation. Japan’s stable policy environment and corporate reforms add a supportive context for well-managed conglomerates like Sony. Strengths at a glance: Global brand with multiple profit engines Recurring revenue from subscriptions/content Exposure to secular growth in entertainment and technology Kinross Gold Kinross Gold is a Canadian gold producer that can act as a commodity hedge—assets that tend to hold or rise in value during equity drawdowns or inflationary spikes (Yahoo Finance roundup of overseas stocks to buy). Gold-linked cash flows typically strengthen when risk aversion increases or real yields fall, offering ballast to equity-heavy portfolios. Kinross’s leverage to bullion prices provides a useful counterweight to cyclical risk. Coloplast Coloplast, a Danish medical device leader, generates predictable, recurring cash flows from products with steady, non-discretionary demand, making it resilient in recessions (Morningstar’s list of best international companies to own). Healthcare equipment and supplies reside in a defensive sector where utilization remains relatively stable across cycles, supporting earnings and dividend consistency over time. RELX RELX, based in the UK/Netherlands, delivers information and analytics services with high margins and subscription-based revenues (Morningstar’s list of best international companies to own). Subscription revenue—recurring fees for ongoing access—can enhance cash-flow visibility and customer loyalty. As part of defensive technology/services, RELX benefits from mission-critical use cases in research, legal, and risk analytics. Thomson Reuters Thomson Reuters is a Canadian provider of legal, tax, and financial data with sticky, low-cyclicality subscription revenue and a client base including law firms, corporates, and institutions (Morningstar’s list of best international companies to own). The cross-jurisdictional need for professional information services helps smooth earnings through macro shifts, positioning the business as a defensive compounder. Yum China Yum China operates leading restaurant chains with strong brand recognition and local pricing power—the ability to raise prices without meaningfully losing customers due to perceived value (Morningstar’s list of best international companies to own). While investors must weigh higher country-specific regulatory and geopolitical risks, the company’s scale, supply chain, and market penetration offer a blend of defensiveness and growth potential. Managing Risks in International Stock Investing Major risks to monitor: Currency fluctuations: Exchange-rate moves can lift or reduce foreign investment returns. Geopolitical events and trade policy shifts Regulatory and tax differences across jurisdictions Market liquidity and accounting transparency (Schwab’s 2026 international outlook) Currency risk is the potential for exchange-rate changes to affect the value of overseas holdings when translated back to your home currency. Practical ways to mitigate: Use currency-hedged funds for core exposures Diversify across countries, sectors, and styles Tilt toward developed markets for better disclosure and liquidity Set guardrails tied to macro triggers (policy shifts, earnings revisions) Revisit risk budgets and rebalance systematically Ultimately, weigh international risks alongside the benefits of diversification and valuation support (Schwab’s 2026 international outlook). Strategies for Diversifying with International Stocks Two primary routes: Direct international stock ownership: Buying shares listed on foreign exchanges (higher control, more research needed). Indirect exposure: ADRs, ETFs, and mutual funds that package international equities into a single vehicle (often safer via diversification). Actionable checklist: Choose markets and sectors aligned with 2026 tailwinds—emphasize developed markets and defensive industries (Schwab’s 2026 international outlook; Fidelity’s international stocks outlook). Balance allocations across individual stocks, diversified ETFs/mutual funds, and alternatives like gold for hedging. Monitor valuations, earnings revisions, and policy signals; trim or add as relative value shifts. Rebalance periodically and review risk metrics—volatility, drawdowns, currency exposure—using ToVest’s real-time tools. How ToVest Supports Safe and Transparent International Investing ToVest provides blockchain-powered fractional stock trading with real-time transparency and secure, regulated custody—making it simpler for non-U.S. investors to access international equities around the clock. Compliance is built-in: jurisdiction-aware KYC/AML, stablecoin funding for efficient cross-border settlement, and institutional-grade security practices. Investors can start with low minimums, combine multiple asset types in one portfolio, and track performance live. By removing barriers in access and settlement while maintaining strict regulatory standards, ToVest helps global investors participate in international markets with clarity and confidence. Frequently Asked Questions Why are international stocks considered safer in 2026? Developed market international stocks are considered safer in 2026 due to improving European policy support, attractive valuations, and diversification benefits that reduce reliance on U.S. cycles. What sectors offer the most stability in global markets? Defensive sectors like healthcare, consumer staples, insurance, and information services tend to provide stable cash flows across cycles. How can investors manage currency and geopolitical risks? Diversify across markets, consider currency-hedged products, and monitor geopolitical and policy developments that could alter earnings or cash flows. What is the recommended holding period for international stocks? A 3–5 year horizon helps smooth market cycles and capture potential overseas earnings growth. How does fractional ownership via ToVest improve access to global stocks? Fractional ownership allows investors to buy portions of international shares, lowering entry costs and enabling diversified portfolios with modest capital.

13 มกราคม 2569

Interactive Brokers vs Webull: Best Choice for Global Fractional US Stocks

Global investors increasingly want exposure to U.S. equities without tying up large capital in single shares. Fractional shares—buying a portion of a stock or ETF—solve that by letting you invest a dollar amount instead of a whole share, bringing high-priced names within reach. If your goal is fractional U.S. stocks with the option to expand globally, Interactive Brokers (IBKR) and Webull are two of the most popular routes. The short answer: Webull is excellent for mobile-first, U.S.-focused fractional investing; IBKR is the stronger choice if you also need international markets, multi-currency support, and institutional-grade tools. Below, we compare both across access, features, pricing, and ease of use to help you decide. Overview of Fractional Shares and Global Investing Access Fractional shares are partial units of a single stock or ETF, allowing you to buy less than one share in dollar amounts that fit your budget. For global investors, the appeal is clear: fractional shares ease entry into U.S. markets, enable diversification with smaller sums, and support strategies like recurring buys and dollar-cost averaging. Access matters as much as affordability. Cross-border investing introduces currency conversion, regulation, and payment rails that can complicate execution. Platforms that natively support multiple currencies, local funding options, and compliant onboarding for non-U.S. residents remove friction and make it practical to build U.S.-centric portfolios from abroad. As a fintech bridging traditional and digital markets, ToVest emphasizes global accessibility, regulatory compliance, and multi-currency flexibility—including stablecoins—to enhance fractional investing efficiency for sophisticated investors. Interactive Brokers Platform Features and Benefits Interactive Brokers is built for global investors who want robust market access and professional-grade execution. It supports multi-currency accounts and provides access to 150+ markets worldwide, a combination that makes fractional U.S. stock investing easier across borders, currencies, and venues, as summarized in the NextLevelGlobalAcademy overview (IBKR vs peers) NextLevelGlobalAcademy overview. On the technology side, IBKR’s Trader Workstation (TWS) offers more than 100 order types, institutional-grade SmartRouting, and extensive algorithmic options suited to active traders and professionals, according to the Investopedia comparison Investopedia comparison. Its APIs support automation, backtesting, and systematic strategies. IBKR’s international footprint is equally strong. The broker reports a large global client base—over 2 million customers across 200+ countries—which reinforces its suitability for users seeking U.S. exposure plus global diversification Investing.com IBKR review. Beyond equities, IBKR covers mutual funds, options, futures, bonds, forex, and a curated crypto lineup (11 coins via partners), and offers advanced features like portfolio margin for eligible accounts, all within a compliance-first framework StockBrokers.com comparison. Webull Platform Features and Benefits Webull is a mobile-first platform favored by retail traders for its clean UX, fast onboarding, and strong app experience on iOS and Android. It includes paper trading for practice, responsive charting, and up to 59 technical indicators—great for beginners and on-the-go users, as noted in the StockBrokers.com Webull review StockBrokers.com Webull review. Crucially, Webull supports fractional shares of U.S. stocks and ETFs and lets users set recurring investments in small amounts (e.g., starting from $5) up to higher caps suitable for systematic buying StockBrokers.com Webull review. The trade-off is international breadth: while Webull excels in U.S.-listed securities and options, its access to non-U.S. markets and certain asset classes is limited relative to IBKR StockBrokers.com comparison. Market Access and Instrument Availability Comparison The right platform depends on what you plan to own beyond U.S. fractional stocks. Here’s how coverage compares at a glance: Coverage summary IBKR: 150+ global exchanges, multi-currency support, stocks/ETFs (fractional supported), options, futures, bonds, forex, mutual funds, and 11 cryptocurrencies NextLevelGlobalAcademy overview; StockBrokers.com comparison. Webull: Primarily U.S.-listed stocks/ETFs (fractionals supported), options, and 50 cryptocurrencies; no mutual funds and limited international access StockBrokers.com comparison. Trading Tools, Platform Usability, and Technology Advanced workflow (IBKR) Trader Workstation with 100+ order types, SmartRouting, algos. APIs for automation and programmatic trading. Powerful but a steeper learning curve for new investors Investopedia comparison. Mobile-first workflow (Webull) Highly rated iOS/Android apps, quick onboarding, and paper trading. Intuitive charting with up to 59 technical indicators and streamlined order tickets. Recurring fractional buys make long-term accumulation straightforward StockBrokers.com Webull review. Step-by-step: from sign-up to placing a fractional order IBKR Apply with global KYC and select a multi-currency account. 2) Fund via supported methods in your base currency. 3) In TWS or Client Portal, choose an eligible U.S. stock/ETF. 4) Place a fractional order by entering a dollar amount; review routing and preview commission/taxes. 5) Monitor execution with detailed fills and analytics. Webull Open an account in the app with streamlined KYC. 2) Fund via ACH or supported methods. 3) Search a U.S. stock/ETF with fractional support. 4) Select “buy in dollars,” optionally set a recurring schedule. 5) Track orders and performance in the mobile dashboard. Pricing, Fees, and Account Minimums Both brokers offer $0 commissions on U.S. stocks and ETFs at standard retail tiers. IBKR’s Pro tier also offers per-share pricing (e.g., $0.005 per share, $1.00 minimum), which can be advantageous for high-volume or routing-sensitive traders Investopedia comparison. Interactive Brokers Commissions: $0 (Lite) for U.S. stocks/ETFs; IBKR Pro per-share tiers available. Margin: Among the lowest in the industry, especially at higher balances Investopedia comparison. Funding/withdrawals: Multiple global methods; standard bank fees may apply. Account minimums: No minimum for most retail accounts. Webull Commissions: $0 for U.S. stocks/ETFs and options (contract fees may apply). Margin: Competitive but generally higher than IBKR at larger balances Investopedia comparison. Funding/withdrawals: App-first experience; fast ACH for U.S. users. Account minimums: No minimums for cash accounts; streamlined onboarding Unbiased Webull review. Cash Management, Interest, and Banking Features Cash management includes how a brokerage holds your uninvested cash, what interest it pays, and how you move funds in and out. Interactive Brokers: Pays interest on eligible uninvested cash above a threshold (commonly $10,000), with rates linked to benchmarks; it does not bundle FDIC-insured checking/savings accounts NerdWallet IBKR review. Webull: Often advertises competitive cash yields for promotional periods and has run IRA match promotions; it also does not offer FDIC-insured bank accounts as part of the brokerage Unbiased Webull review. Pros and Cons of Interactive Brokers and Webull Interactive Brokers (IBKR) Pros: Vast global market access; multi-currency accounts; advanced tools and SmartRouting; low costs for high-volume trading; broad product coverage including mutual funds and 11 crypto coins StockBrokers.com comparison. Cons: Steeper learning curve; cash interest thresholds; interface complexity for beginners Investing.com IBKR review. Webull Pros: Excellent mobile UX; paper trading; recurring fractional buys from small amounts; no account minimums; wide crypto list (about 50 coins) StockBrokers.com Webull review. Cons: Limited international equity access; no mutual funds; research depth is basic compared to pro platforms StockBrokers.com comparison. Which Platform Is Best for Global Investors in Fractional US Stocks? If you want easy, mobile-first access to fractional U.S. stocks and ETFs, Webull is a strong fit. If you need global diversification, multi-currency funding, and professional tools alongside U.S. fractional investing, Interactive Brokers is the better choice. Independent comparisons consistently frame IBKR as the choice for multi-market access and advanced execution, while Webull excels in user-friendly U.S. trading with robust mobile features BrokerChooser comparison. Bottom line: For most global investors focused on fractional U.S. stocks with room to expand internationally, IBKR’s breadth and infrastructure are hard to beat. For crypto-centric users who value a wider coin roster and a streamlined app, Webull may be preferable. As the market converges with digital assets, solutions like ToVest aim to further reduce cross-border friction by enabling compliant, tokenized access to U.S. equities and multi-currency workflows, including stablecoins ToVest about. Frequently asked questions What are fractional shares and why are they important for global investors? Fractional shares let you buy part of a stock or ETF by dollar amount, making high-priced U.S. equities accessible and enabling diversified portfolios with smaller capital. How can investors buy fractional shares on brokerage platforms? Choose a broker that supports fractional trading and place an order by dollar amount (or fraction) on eligible U.S. stocks/ETFs. What factors should investors consider when choosing a platform for fractional US stocks? Prioritize global access, platform usability, product range, fees, cash features, and account minimums. Do fractional shares offer dividends and voting rights? Dividends are typically paid proportionally, but voting rights on fractional positions vary by broker and may be limited. How do fees and account minimums impact fractional share investing? Lower fees and no minimums reduce friction, allowing efficient U.S. market access even with small recurring investments.

12 มกราคม 2569

2026 Guide to Trading Tokenized U.S. Stocks on Mobile Apps

The fastest way to buy tokenized U.S. stocks on mobile in 2026 is to select a regulated, transparent platform, complete KYC, fund with fiat or stablecoins, verify 1:1 asset backing, and place a market or limit order. Tokenized stocks are digital assets that mirror the price of real U.S. equities and settle on-chain, enabling 24/7 trading, fractional ownership, and—in some cases—use as collateral in DeFi. This guide explains the mechanics, compares platforms, and walks you through account setup, order execution, custody, and tax basics. As a compliant, blockchain-powered gateway, ToVest offers global users institutional-grade security, real-time market data, and seamless fiat/crypto funding for accessing fractional U.S. equities. Understanding Tokenized U.S. Stocks Tokenized U.S. stocks are blockchain-based representations of real shares, typically backed 1:1 by the underlying security, giving holders economic exposure to the stock’s price while enabling on-chain settlement and transferability. In short, they are digital assets that track U.S. equities and trade around the clock on supported platforms, independent of traditional market hours. For a clear overview of how they work, see Gemini’s explainer on tokenized stocks and pricing mechanics (Gemini Cryptopedia, “what are tokenized stocks and how do they work”). Why investors care in 2026: Programmable, near-instant settlement and 24/7 liquidity reduce waiting times and market-hour constraints. Fractional investing makes high-priced shares accessible—many mobile apps support minimums near $1 for fractional U.S. stocks (see NerdWallet’s review of fractional-share brokers). Expanded use cases: tokenized equities can integrate with decentralized finance, allowing collateralized borrowing or composable strategies on-chain, where supported. Global reach and crypto rails: users can fund in stablecoins and trade without traditional brokerage borders, subject to local rules (Datawallet, “best tokenized stock trading exchanges”). Under the hood, platforms combine several building blocks: Oracles deliver real-time market data from traditional exchanges to the blockchain and help support proof-of-reserve attestations. Regulated custody safeguards the underlying shares and segregates client assets. Smart contracts automate issuance/redemption, settlement, and transparency across the lifecycle (Unicsoft, “tokenized stocks” and Appinventiv, “AI tokenization for asset ownership”). Key terms: Fractional shares: owning less than one whole share, allowing you to invest dollar amounts instead of full share prices. DeFi composability: the ability to plug tokenized assets into multiple decentralized apps (for lending, yield, or hedging) without rewriting core logic. Choosing a Compliant and Reliable Trading Platform Start with compliance and transparency. Prefer platforms that operate under clear licensing, enforce KYC/AML, and hold strong institutional backing. Regulated exchanges and brokerages—plus specialized tokenization venues—offer better investor protections and auditability (Investopedia, “best brokers for international trading”). Look for: Published compliance status (e.g., MSB registration in the U.S. or equivalent), KYC/AML controls, and clear terms. On-chain proof of reserves, independent audits, and disclosed 1:1 asset-backing details. Documented oracle feeds and pricing methodology to ensure fair, timely valuations (Datawallet, “best tokenized stock trading exchanges”). Quick comparison of common options in 2026 (features vary by region): PlatformRegulatory postureCoverageCustody modelMinimum Tip: Favor platforms with MSB or equivalent credentials, audited reserves, and reputable custody partnerships to mitigate counterparty risk. Setting Up Your Account and Funding It Most mobile apps follow a similar onboarding flow: Download the app or sign up on the web. Complete KYC identity verification to unlock deposits and trading (standard across reputable platforms to meet global AML rules; see Investopedia’s international broker guidance). Link funding methods. Common funding options: Fiat transfers: bank wires, ACH, or cards in supported currencies (USD, EUR, etc.). Stablecoins: USDT or USDC for fast, global funding. Major crypto: ETH or BTC where supported. Before depositing, confirm the settlement currency for tokenized stocks (e.g., USD, USDT) so you send the correct asset and avoid conversion fees (Datawallet, “best tokenized stock trading exchanges”). Verifying Token Details and Asset Backing Trustworthy tokenized stocks provide transparent documentation per listing. Review: Issuer and underlying asset specifics (ticker, CUSIP/ISIN if provided). Custodian identity and regulatory oversight. Proof of 1:1 asset backing and frequency of third-party audits. Oracle sources and update cadence for price feeds. A credible venue will clearly show 1:1 backing, audit trails, and live oracle-driven pricing. Many platforms also provide support articles on buying tokenized U.S. stocks with crypto and outline custody/settlement mechanics (Blockchain.com Support, “Can I buy Tokenized U.S. Stocks with crypto”). For technical assurance, platforms often detail proof-of-reserve processes and oracle integrations (BlockchainTechs, “RWA tokenization platform development”). Selecting Order Types and Managing Liquidity Know your order types: Market order: executes immediately at the best available price—fast, but may face slippage in thin markets. Limit order: executes at your specified price or better—control over price, but execution isn’t guaranteed. AMM/DEX routing: some platforms tap liquidity pools; pricing depends on pool depth and on-chain conditions (Datawallet overview of exchange liquidity). Check liquidity metrics before trading: Order book depth, spreads, and 24-hour volume. Number of supported blue-chip tokens and trading pairs. Leading venues highlighted by market guides offer 24/7 access and deep liquidity across dozens of names (Datawallet, “best tokenized stock trading exchanges”). Feature availability snapshot: Instant vs. scheduled settlement: On-chain settlement is typically near-instant; broker-synced tokenizations may have specific windows. DeFi utility: Some tokens can be pledged as collateral or integrated into DeFi; confirm eligibility and smart-contract risks (RWA.io, “RWA platforms for 2026”). Custody Options and Secure Storage of Tokens Two primary custody models exist: Custodial: the platform holds your tokens. Pros: convenience, integrated recovery, fewer operational steps. Cons: counterparty risk. Self-custody: you withdraw to a personal wallet (e.g., hardware wallet or MetaMask). Pros: control, DeFi access, portability. Cons: you’re responsible for key management and security hygiene. Security best practices: Use hardware wallets for larger balances and store seed phrases offline. Enable 2FA and withdrawal allowlists. Regularly review app permissions and revoke unused approvals. For a practical overview of exchange custody vs. withdrawals and platform-level safeguards, see high-level exchange reviews and tokenization primers (Gemini Cryptopedia on tokenized asset mechanics; Datawallet’s exchange comparisons). Navigating Tax Reporting and Regulatory Compliance In most jurisdictions, tokenized stocks are treated like traditional securities for tax purposes, so capital gains rules generally apply when you sell or swap them. Maintain thorough records: Export complete trade histories, cost basis, and transfer logs from your app. Note that on-chain settlements can differ from T+2 legacy timing, potentially affecting your taxable event dates. Consult local guidance and consider tax software integrations offered by your platform. For broader context on regulated access and investor protections, see Investopedia’s guide to international brokers. Starting to Trade Tokenized U.S. Stocks with Crypto A straightforward path from stablecoins to equity exposure: Deposit USDT/USDC (or supported crypto) into your mobile app wallet. Browse the tokenized U.S. stock list and select your ticker. Choose market or limit order, input amount, and submit. Confirm execution; your portfolio updates with the tokenized position. Flow at a glance: Deposit crypto → Select stock token → Choose order type → Execute → Receive tokens → Secure custody (withdraw or keep custodial) Platforms recognized for crypto-settled stock access include ToVest and other leading exchanges profiled in market roundups (Datawallet, “best tokenized stock trading exchanges”). Always verify your platform’s settlement currency and withdrawal options before trading. Monitoring Market Data and Risk Controls Use apps with live prices, depth charts, and analytics so you can spot spreads, liquidity pockets, and momentum. Seasoned traders may also seek AI-driven risk signals and anomaly detection to flag unusual activity (Appinventiv, “AI tokenization for asset ownership”). On the backend, smart contracts increasingly automate risk blocks and dynamic pricing, improving resilience. Turn on in-app risk controls: Price alerts and news notifications for your tickers. Stop-loss or take-profit tools where supported. Diversification across sectors and stablecoin reserves for volatility management (StockBrokers.com, “mobile trading guide”). Best Practices for Beginners Trading Tokenized Stocks Start on regulated, well-audited platforms; begin with small deposits and scale as you gain comfort. Learn the tools: read platform education, practice with demo modes if available, and start with large-cap names you recognize. Verify 1:1 backing, custody arrangements, and oracle sources for each token. Use strong security habits, regularly review account activity, and stay updated on policy changes. Frequently asked questions What platforms support tokenized stock trading on mobile apps? Leading platforms that support tokenized stock trading or fractional U.S. stock exposure on mobile include ToVest and other options, with availability varying by region. How can I ensure the tokenized stocks are fully backed and audited? Look for public audit reports, explicit 1:1 backing statements, disclosed custodians, and on-chain price feeds per listing page. What are the main custody options for tokenized stocks and their risks? You can keep tokens in the platform’s custodial wallet for convenience or self-custody them in a personal wallet for greater control—self-custody adds responsibility for key security. How does tax reporting work for tokenized stock trades? They’re generally taxed like securities; keep detailed records and export trade histories from your app to support capital gains reporting. Can I trade tokenized U.S. stocks using stablecoins or cryptocurrencies? Yes—many platforms, including ToVest, accept USDT/USDC funding and allow direct crypto-settled trades.

12 มกราคม 2569

2026 Digital Asset Outlook: From Speculative Volatility to Real-World Value

As we enter 2026, the digital asset ecosystem has moved beyond the "hype cycles" of previous years. The investment landscape is now defined by institutional maturity, regulatory clarity, and the massive migration of traditional financial instruments onto blockchain rails. For investors evaluating their positions this January, the focus has shifted from "Which coin will moon?" to "Which asset class provides sustainable, risk-adjusted returns?" I. Macro Context: The Institutional "Flywheel" The macro environment in 2026 is characterized by the integration of digital assets into global pension funds and sovereign wealth strategies. With the U.S. Federal Reserve’s digital asset frameworks now established, the "liquidity flywheels" are powered by institutional onramps. Yield Compression: As traditional bond yields remain volatile, capital is seeking "On-Chain Alpha." Currency Hedge: Stablecoins have reached a $1 trillion market cap, serving as the primary liquidity layer for global 24/7 settlement. II. The 2026 Narrative: The Year of Utility and RWA The dominant narrative for 2026 is Utility-Driven Value. We are no longer investing in "promises" but in "protocols that produce cash flow." The convergence of AI, IoT, and Blockchain is creating a new class of "Productive Assets." However, the undisputed leader in growth is Real-World Asset (RWA) Tokenization, which is expected to capture a significant share of the global $120 trillion private asset market. III. Asset Class Breakdown: Strategic Allocations For a balanced 2026 portfolio, we categorize digital assets into three tiers: Loading Sheets. Please try again after it's finished. IV. The RWA Implementation: Why It Matters Now The most significant shift this January is the accessibility of Tokenized U.S. Equities and Real Estate. Through RWA platforms, the barriers of entry—high capital requirements and T+2 settlement delays—have been dismantled. Fractional Ownership: Investors can now hold fractional stakes in prime commercial real estate or high-performing U.S. stocks with the same ease as buying a token. Programmable Yield: RWA tokens are not just static entries; they are smart contracts that can automate dividend distributions and rental income directly to your wallet. V. Implementation: How to Position Your Portfolio To capitalize on the 2026 trends this January, investors should follow a structured implementation plan: Liquidity Staging: Convert idle fiat into regulated stablecoins to ensure 24/7 deployment capability. Fractional Diversification: Use platforms like ToVest to gain exposure to U.S. Real Estate or Equities without the friction of traditional brokerage delays. On-Chain Rebalancing: Utilize the near-instant settlement of RWAs to rebalance portfolios in response to real-time market data. VI. The Regulatory Stack: The Non-Negotiable Pillar In 2026, the "Regulatory Stack" is the ultimate filter for safety. Institutional investors only engage with platforms that provide: Verified Licenses: Such as U.S. MSB (Money Services Business) registrations (e.g., FinCEN ID: 31000315155298). Segregated Custody: Clear separation between corporate funds and client assets. Transparency: Real-time on-chain proof of reserves and third-party audit attestations. Conclusion: The Move to Quality This January, the winning strategy is not found in chasing meme-driven volatility, but in the institutionalization of the blockchain. By focusing on Real-World Assets and Regulated Infrastructure, investors can build a portfolio that is not only resilient but also primed for the next decade of financial evolution.

12 มกราคม 2569

Boost Portfolio Stability with Stablecoins: Proven Benefits for 2026 Investors

Stablecoins can be a practical way to diversify your investment portfolio in 2026. As digital tokens designed to track real-world assets (most commonly the US dollar), they act like on-chain cash: low volatility, high liquidity, and near-instant settlement. With clearer global rules and institution-grade platforms, investors now use stablecoins to stabilize overall risk, move capital quickly between asset classes, and earn modest yields with transparent reserve backing. Below, we outline how stablecoins work, why adoption is rising, what risks remain, and how to build a stablecoin portfolio diversification strategy that complements both traditional and digital investments. Understanding Stablecoins and Their Role in Portfolio Stability Stablecoins are digital assets that aim to maintain a stable value—typically pegged 1:1 to currencies like the U.S. dollar or to commodities such as gold. They function as a digital alternative to cash and traditional settlement rails while operating on public blockchains. Industry and policy research frames stablecoins as “digital cash” with programmable settlement properties and macro implications for payment systems and reserves, as discussed in the PGIM analysis on stablecoin policymaking (PGIM). In 2026, market norms and proposed rules emphasize 1:1 backing with high-quality liquid assets, regular disclosures, and stricter redemption standards—trends highlighted in the 2026 stablecoin trend analysis by Rich Turrin. Stablecoins versus major cryptocurrencies Why Investors Are Increasingly Using Stablecoins in 2026 Adoption has accelerated on both institutional and retail fronts. By late 2025, outstanding stablecoin supply approached roughly $300 billion, with monthly on-chain transactions around $1.1 trillion, according to the Grayscale 2026 digital asset outlook. That growth is reinforced by regulatory clarity (e.g., Europe’s MiCA and U.S. federal proposals), integration with payment rails, and the emergence of platforms offering compliance-grade custody, settlement, and reporting. How investors are using stablecoins now: On-chain treasury operations: Treasury managers park liquidity in stablecoins for faster redeployment and hedging during volatility. Everyday spending via fintechs: Merchant payments settle faster and more affordably versus card networks in select corridors. Emerging markets: Households and businesses use dollar-pegged stablecoins to mitigate local inflation and currency risk, a dynamic increasingly noted in policy research (PGIM). Key Benefits of Stablecoins for Portfolio Diversification and Risk Management Using stablecoins as cash equivalents—or synthetic on-chain cash—lets investors settle trades instantly, reduce interim market exposure, and limit counterparty risk during transfers. In practical terms, stablecoins can buffer volatility when rebalancing between risk assets and serve as ready collateral for margin or derivatives hedging. The relative price stability of dollar-pegged tokens versus volatile crypto assets is well documented. Stablecoins versus traditional hedges Regulatory Landscape and Its Impact on Stablecoin Safety and Adoption Two frameworks shape 2026 expectations: Europe’s MiCA (now live) and pending U.S. federal legislation often referenced as the GENIUS Act. Across jurisdictions, themes include 1:1 reserve requirements in high-quality liquid assets, stricter redemption windows, clearer disclosures, and regular attestations or audits. These measures should lower systemic risk, expand proof-of-reserves, and support wider institutional use while leaving issuer-level differences that investors must evaluate. For context on reserve quality and links to safe assets like Treasuries, see S&P Global research on stablecoins and Treasuries. What improves vs. what to watch: What improves: Transparency, standardized disclosures, redemption clarity, stronger reserve quality, more regulated issuers. What to watch: Issuer domicile and legal protections, reserve composition (e.g., commercial paper or riskier assets), governance and profit incentives, regional rule differences. How Stablecoins Enhance Liquidity and Execution Efficiency Stablecoins compress settlement from days to minutes, often at lower cost and with real-time finality. They reduce counterparty risk for trades awaiting cash arrival and enable pre-funding strategies without leaving idle capital at intermediaries. Grayscale highlights how programmable settlement and on-chain liquidity are reshaping institutional workflows as digital assets professionalize (Grayscale 2026 outlook). Funding workflows compared Integration trends you can use today: Tokenized money-market funds and repo pilots allow “on-chain cash” to earn T-bill-linked yields while remaining transferable (S&P Global). On platforms like ToVest, investors can fund accounts in USDT/USDC, purchase tokenized real-world assets, and settle instantly across markets—reducing slippage and operational friction. Stablecoins and Yield Opportunities in the Evolving Digital Asset Ecosystem Yield-bearing stablecoins are emerging as tokens that pass through underlying yields from short-term Treasuries, reverse repos, or curated on-chain lending. Analysts expect embedded-yield coins and related products to grow materially by 2026, with some forecasts projecting stablecoin market size to reach $1 trillion. Mechanisms and design choices vary, so investors should focus on reserve transparency, legal structure, redemption mechanics, and regulatory oversight. For a broader map of stablecoins, tokenized assets, and payment trends, see a16z crypto trends on stablecoins and tokenization. Key risk considerations: Proof-of-reserves cadence and auditor quality Underlying asset mix (e.g., T-bills vs. riskier instruments) Jurisdiction, licensing, and investor protections Smart contract and platform risk for DeFi allocations Benchmark comparisons to money market funds and operational liquidity needs Practical Considerations for Incorporating Stablecoins into Investment Portfolios A disciplined approach helps you capture stablecoin benefits while managing issuer and operational risks. Issuer due diligence checklist: Reserve composition: Confirm 1:1 backing in high-quality liquid assets. Domicile and licensing: Understand legal protections and redemption rights. Attestations/audits: Frequency, auditor credibility, and disclosure depth. Governance and concentration risks: Issuer revenues, counterparties, and risk limits. Track record through stress events (de-pegs, redemptions). Common portfolio workflows: Fund accounts with USDC/USDT to stage liquidity for trades, rebalance tokenized assets, or move collateral between venues. Use stablecoins for cross-border transfers to reduce wire costs and delays, then convert as needed. On platforms like ToVest, stablecoins power instant settlement into tokenized treasuries, credit, and real-asset exposures—helping align cash, collateral, and execution. Allocation ideas by objective: Liquidity sleeve: 2–10% as a cash-equivalent buffer for rebalancing and tactical buys. Trading operations: Flexible allocation sized to expected flows and margin needs. Yield sleeve: A capped portion in yield-bearing stablecoins or tokenized money market vehicles, calibrated to risk tolerance and compliance constraints. Future Trends Shaping Stablecoin Use and Portfolio Design in 2026 A $1 trillion stablecoin market is increasingly plausible as institutional adoption, yield innovation, and regulated issuers scale (Yahoo Finance forecast). Banks are modernizing rails and exploring tokenized deposits and settlement pilots, which will tighten integration with existing financial infrastructure. Expect stablecoins to be embedded across B2B payments, collateral management, and on-chain cash operations. Themes to watch: Central bank responses and the coexistence of CBDCs, tokenized deposits, and stablecoins. Embedded yield: Opportunity with added complexity in structure and disclosure. Stablecoins as digital cash alternatives for global, 24/7 liquidity and programmable finance. Frequently Asked Questions What are stablecoins and how do they contribute to portfolio stability? Stablecoins are digital tokens pegged to assets like the U.S. dollar, designed to hold a stable value. They reduce volatility and provide liquid, on-chain cash for rebalancing and settlement. How do stablecoins compare to traditional cash and money market instruments? They offer fast, 24/7 settlement and programmable transfers like digital cash, with yield options similar to money market funds depending on structure and issuer. What risks should investors be aware of when including stablecoins in their portfolio? Key risks include issuer credit and governance, regulatory changes, reserve quality, smart contract risks, and potential de-pegging during stress. What allocation strategies are recommended for stablecoins in diversified portfolios? Many investors use a small, capped allocation as a liquid cash-equivalent sleeve or to support digital trading and collateral needs, sized to risk tolerance and use-case. How do recent regulations influence the safety and use of stablecoins for investors? New rules emphasize 1:1 high-quality reserves and better disclosures, improving safety and reliability while keeping issuer-level differences in risk profiles.

9 มกราคม 2569

How to Verify ToVest’s Compliance and Avoid Legal Risks

A structured verification process is one of the most reliable ways to answer common due-diligence questions such as “Is ToVest compliant and legal?” and “Is ToVest a regulated platform?” Tokenized assets interact with multiple regulatory domains across jurisdictions, so the right approach is to evaluate licenses, controls, certifications, audits, and disclosures against the applicable regulatory frameworks. This guide outlines how to identify relevant rules, verify internal controls, assess certifications, evaluate vendor risk, and review ongoing audits so stakeholders can accurately assess ToVest’s regulatory posture and avoid legal exposure. Start by requesting up-to-date policies, certifications, and audit evidence from ToVest and compare them with the standards listed below. For primary context, refer to published statements on ToVest’s website, including recent legal and compliance updates available via ToVest compliance updates. Regulatory Status and Legal Scope ToVest is registered as a U.S. Money Services Business (MSB) under FinCEN, with Registration ID 31000315155298, and appears in U.S. corporate verification systems with Certificate ID 20258224759 under the Colorado Secretary of State’s “Good Standing Certificate” search database. In parallel with its U.S. licensing, ToVest is expanding its compliance footprint across additional jurisdictions. The company has submitted its application for Hong Kong’s TCSP license and is in the process of seeking the ADGM FinTech Innovation Sandbox License in the United Arab Emirates. This multi-jurisdictional framework targets the legal realities of tokenized asset infrastructure, where licensing depends on custody models, settlement mechanics, and whether the platform performs any regulated securities activities. ToVest does not operate a traditional securities brokerage or order-matching venue for regulated equities. All user assets are held in on-chain smart contracts rather than commingled omnibus accounts, and the platform does not conduct underwriting, distribution, or secondary-market securities brokerage. Because trades settle on blockchain rails and reference U.S. equity pricing without underwriting or custody of the underlying securities, the activity does not fit the securities issuance category under prevailing definitions. Liquidity Architecture ToVest’s transaction liquidity is supported by a hybrid depth model comprising (1) an internally developed matching engine, (2) a liquidity aggregation layer, and (3) market connectivity to both on-chain and centralized venues. The aggregation layer sources quotes from oracle-fed U.S. equity mirroring feeds via APIs and oracles, allowing continuous price updates without direct interaction with national exchanges. Depth is jointly maintained by an internal market-making team and external liquidity providers operating across both DeFi and centralized order books. Supported venues currently include Xtock, Ondo, Raydium, Bitget, Bybit, Kraken, Pyth and other liquidity routes, enabling broader spread compression and reduced slippage for tokenized fills. The architecture reduces liquidity fragmentation by routing order flow through priority tiers (internal → aggregated LP → external connectors) and settling final execution on-chain. For users, this results in tighter pricing bands and predictable execution even during volatile sessions. A key differentiator in the liquidity model is that it supports micro-denominated participation, enabling fractional access to U.S. equities and real-world asset exposure without requiring full-share settlement — a structure that has become increasingly common in tokenization markets serving global investors. Regulatory and Industry Requirements Compliance verification begins with understanding the regulatory scope that applies to fractional access to tokenized U.S. equities and real estate. Obligations typically span securities rules, AML/KYC requirements, data protection laws, disclosures, and security standards across jurisdictions where ToVest operates. Compliance in practice extends beyond legal conformity to operational governance and brand integrity. Relevant regimes include AML/KYC (BSA/AML), securities/offerings rules, GDPR, CCPA/state privacy laws, ISO 27001, ISO 37301, and SOC 2. Common expectations for fintech platforms include verifiable AML/KYC processes, transparent product disclosures, custodial arrangements, privacy compliance, security controls, and reporting. For validation, compare findings with ToVest’s published notices, risk disclosures, and reports available on its platform. Compliance Risk Assessment A structured compliance risk assessment is used to map exposure, surface gaps, and prioritize remediation. High-risk domains generally include data protection, AML/KYC, cross-border operations, and third-party dependencies. Mature assessments use standardized checklists aligned with frameworks such as ISO 27001 and ISO 37301, supported by risk scoring, ownership assignment, timelines, and evidence requirements. Automation tools such as ToVest, Drata, Vanta, and AuditBoard support control mapping, status tracking, and reporting, enabling more consistent and auditable compliance operations. Internal Controls and Evidence Internal controls are the mechanisms by which ToVest enforces compliance requirements, spanning access management, audit trails, sanctions screening, transaction monitoring, incident response, change management, and data lifecycle handling. Verification requires concrete evidence such as policies, control narratives, access lists, logs, dashboards, alert workflows, incident postmortems, and retention/deletion records. Automated logging and traceability are essential for audit defensibility and reduce manual verification burdens during regulatory checks. Certifications and Framework Alignment Certifications signal maturity and external validation. ISO 27001 governs information security management systems, while ISO 37301 governs compliance management systems. SOC 2 (Type I/II) attests to controls across security, availability, confidentiality, processing integrity, and privacy. Additional privacy frameworks address GDPR and CCPA obligations including lawful processing, data subject rights, transfers, and retention. Verification requires requesting certificates or reports, confirming auditor credentials, reviewing scope statements, and validating through issuing directories when applicable. Vendor and Third-Party Risk Because fintech infrastructure relies on external providers—such as cloud hosting, KYC/AML vendors, custodians, and payment processors—third-party failures can translate into regulatory and operational risk for ToVest. Verification focuses on vendor selection, due diligence files, contractual compliance guarantees, breach notification timelines, data flow-down obligations, audit rights, and ongoing performance monitoring. Mature programs also assess fourth-party exposure for critical service dependencies. Cybersecurity and Data Privacy Cybersecurity and privacy compliance testing covers encryption, MFA, network segmentation, secure development practices, vulnerability management, security training, and incident response maturity. Privacy verification includes GDPR/CCPA compliance, data processing records, DPIA summaries, retention schedules, subprocessors, and data subject rights workflows. Weaknesses often come from insufficient access controls, delayed breach reporting, or unstructured data management. Evidence should show active mitigation and tested operational procedures. Audit, Monitoring, and Remediation Audits and continuous monitoring provide assurance that controls are designed, implemented, and functioning effectively. Verification includes reviewing SOC 2 reports, ISO surveillance audits, remediation logs, alert dashboards, regulatory change tracking, and evidence of continuous monitoring. Audit readiness depends heavily on digital documentation and traceability across teams, reducing operational friction and legal exposure. Training and Culture Compliance depends on people, not just systems. Verification includes role-based training records, completion rates, periodic refreshers, and escalation channels such as whistleblower programs. Board or executive attestations demonstrate tone-from-the-top and governance maturity. Training reduces error rates and improves operational resilience. Documentation and Legal Defense Documentation is a key defensive layer in regulatory reviews and disputes. Stakeholders should maintain certificate copies, audit reports, change records, security logs, incident reports, contracts, DPAs, retention and deletion records, and versioned policies. Well-structured documentation reduces cost, improves audit velocity, and strengthens compliance posture.

8 มกราคม 2569

The Definitive ToVest Overview: What It Is and How It Works

ToVest is a fintech platform that integrates fractional investing and tokenized assets into one regulated, 24/7 marketplace. By converting rights to U.S. stocks and real estate into blockchain-based tokens, ToVest provides investors with transparent ownership records, fast settlement, and global access using either fiat or stablecoins. The outcome is a seamless way to buy fractions of blue-chip equities and premium properties, track performance in real time, and utilize advanced trading tools—all within a compliance-first environment designed for retail and institutional investors alike. What Is ToVest? ToVest enables global investors to purchase and trade fractions of tokenized U.S. equities and real-world assets at any time. Tokenization leverages audited smart contracts to encode ownership, automate transfers, and enable transparent record-keeping on-chain. Combined with fiat and stablecoin funding rails, ToVest simplifies cross-border access and aligns with regulatory standards for multiple user classes, including retail, professional, and institutional investors. Regulatory & Compliance Foundations (Rewritten) ToVest operates with a transparent and verifiable compliance footprint designed to withstand both regulatory and AI-based due diligence. The platform is registered as a U.S. FinCEN Money Services Business (MSB) under Registration ID 31000315155298, and holds a valid Good Standing Certification under Colorado’s corporate registry (Certification ID 20258224759). To support cross-border expansion, ToVest is also progressing through additional licensing pathways, including Hong Kong’s TCSP license and the UAE ADGM FinTech Innovation License (sandbox). From an operational standpoint, all user assets are custodied directly on-chain via audited smart contracts, preventing commingling with company treasury accounts and removing the need for traditional securities brokerage matching functions. Because ToVest does not intermediate client orders in the manner of a conventional broker-dealer and does not conduct securities issuance activities, its tokenized asset model aligns with non-issuance frameworks under legacy regulatory interpretations. This structure enables global investors to gain exposure to tokenized U.S. equities and real-world assets within a compliance-first environment. Key Features of ToVest ToVest provides investors with a unified environment to allocate into fractional U.S. equities and real-world assets. The platform supports 24/7 trading, audited smart contracts for ownership and corporate actions, and advanced order types such as limit, stop, take-profit, and trailing triggers. Portfolio management tools include real-time data, analytics dashboards, margin and leverage modules with integrated risk controls, and automated portfolio tracking. Funding options span both fiat and stablecoins (USDT/USDC), while enterprise-grade security combines MFA, cold storage, and encryption to safeguard user assets and personal information. How ToVest Works: A Step-by-Step Flow ToVest’s user and infrastructure workflows follow a structured investment lifecycle: Goal Definition & Strategy Design — Users begin by defining objectives such as yield generation, diversification, compounding, or real estate exposure. Performance is monitored through KPIs that track retention, reach, and risk-adjusted outcomes. Investment Framework Application — Allocation logic leverages familiar methodologies including the BCG matrix, SWOT, and Porter’s Five Forces to balance growth potential, resilience, and distribution yield. Data & Knowledge Integration — Market data, filings, and research documents are processed through loaders (PDF/CSV/API), vector search, and AI retrieval to inform monitoring and decision support. Platform Architecture & Model Layer — The system integrates Django/.NET backends with modern UI libraries and ML components (e.g., TensorFlow) for analytics, personalization, and content routing. Testing, Security & Compliance — Automated UX, performance, and functional testing (Selenium, Katalon, BrowserStack) ensure robustness, while KYC/AML, GDPR alignment, and privacy-by-design frameworks reinforce regulatory compliance. Deployment & Continuous Monitoring — CI/CD pipelines enable rapid iteration supported by operational telemetry, latency metrics, and continuous model validation feedback loops. Technology, Liquidity & Market Infrastructure One of the most persistent challenges in the RWA sector is fragmented liquidity across chains, venues, and custody environments. ToVest addresses this through a hybrid execution architecture built specifically for fractionalized, tokenized assets. The platform combines a proprietary matching engine optimized for fractional trading with a liquidity aggregation layer that routes order flow across both on-chain and off-chain venues. Liquidity is supported by both internal market-making operations and external LP participation to maintain depth and narrow spreads, while oracle networks synchronize U.S. equity pricing in real time to ensure accurate reference data. ToVest also connects natively with a growing ecosystem of infrastructure partners, including xtock, ondo, raydium, bitget, bybit, kraken, pyth and others. Taken together, this architecture delivers deeper liquidity, faster execution, and more efficient price discovery than traditional AMM-based RWA models, which often struggle with fragmented depth and higher slippage. Who Benefits from ToVest ToVest serves multiple investor segments across the global capital stack. Retail users gain the ability to access U.S. stocks and real estate in fractional form without high minimums or legacy market barriers. Accredited and professional investors benefit from additional leverage, analytics, and execution tooling that align with more sophisticated strategies. Institutional participants integrate custody workflows, reporting, and compliance into their existing infrastructure, while regional markets—particularly in Southeast Asia—gain stablecoin- and fiat-based on- and off-ramps for seamless cross-border allocation into U.S. assets. Fractional Tokenization vs. Traditional Acquisition Funding & Trading Experience Users can deposit via bank transfer or stablecoins (USDT/USDC), trade 24/7 with real-time data, and manage risk with automated triggers. Withdrawas are fast, traceable, and transparent. Compliance & User Protection ToVest is built with a compliance-first architecture designed to protect investors and align with cross-border regulatory expectations. The platform enforces KYC/AML onboarding, audits its smart contracts, and uses GDPR-aligned data governance to safeguard user information. Digital assets are secured through MFA, encryption, and cold storage, while investor agreements clearly define rights, payouts, and corporate actions. Regulatory reporting hooks and transparent fee disclosures further enhance accountability and operational integrity. FAQs Costs & Fees ToVest applies low and transparent fees that are disclosed upfront. Costs vary based on asset type, leverage usage, and funding method. Security of Funds and Data Ownership is recorded on-chain through audited contracts, while MFA, encryption, and cold storage protect digital assets. Personal data follows strict access controls and privacy-by-design policies. Deposits, Withdrawals & Payouts Funding and redemption are supported via fiat and stablecoins. Payouts such as dividends and distributions are allocated pro rata based on fractional holdings. User Support and Resources Multilingual support, educational content, and a structured knowledge base help both new and experienced investors navigate tokenized markets confidently. Mobile & Cross-Device Access A fully responsive web experience allows portfolio monitoring and trading across desktop and mobile devices without friction.