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🏴‍☠️ Shields up: How a possible cyberattack could affect Americans and how to prepare 🏴‍☠️
Experts say the Russia-Ukraine conflict puts the world in uncharted territory.
October 11, 2022
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(Dinarian Note: This article is from 02/25/22, read it and then go onto the next article from Monday 10/10/22. There are NO COINCIDENCES! And I assure you this is NOT RUSSIA conducting these attacks.. Think Hagelian Dialectic) 

February 25, 2022, 2:19 PM

As Russia's military continues to strike Ukrainian cities, national security officials are keeping eyes on a different battlefield.

Senior U.S. law enforcement and Homeland Security officials have told ABC News that there is growing concern that Russia could launch further cyberattacks against the West. 💥The potential targets include electrical grids, banking systems and mobile networks, according to the officials.💥

Currently, there is no cyber threat to the U.S. homeland, according to the Department of Homeland security.

Cybersecurity experts tell ABC News that people shouldn't panic over a potential cyberattack, but they should start preparing for one.

"Freaking out is not a productive thing to do. There are lots of reasons to think that the fact that something is out there but that doesn't mean it could happen," Stuart Madnick, the founding director of Cybersecurity at MIT Sloan, told ABC News. "But there are still a number of things that people can do to stay safe and protected."

Madnick, whose group has consulted with U.S. agencies and private companies such as Nasdaq, said the world is in uncharted territory when it comes to cyber security since this involves alleged cyberattacks by a major superpower. However, what has transpired so far is similar to previous cyber security incidents, he said.

There are two types of cyberattacks, he said: ones that have an indirect impact on people's livelihood and attacks targeting the tech of specific people.

The biggest indirect hacking examples in the past have targeted key infrastructure points such as the Colonial Pipeline ransomware attack in May 2021, which affected everything from gas prices to flights.

"In the last two years, we've been seeing more of these attacks around the world," Madnick said. "You need to realize how many of our systems are connected to computers and just one hack can have bigger effects."

U.S. and international officials have accused the Russian government of committing cyber attacks that targeted Ukraine's banks in recent weeks.

On Friday, Ukrainian officials warned of a phishing scheme emanating from Belarus, which pretended to be a member of the Ukrainian cybersecurity agency.

Javed Ali, the former senior director of counterterrorism at the National Security Council, told ABC News that the attacks could escalate to affect utilities, such as gas and electricity.

"Those will be escalatory steps from Russia and that will also likely be integrated with physical military operations all designed to bring cascading effects against Ukraine," he said.

Madnick warned that cyberattacks on the Ukrainian computer systems could potentially spill over to other regions depending on how close computer networks work.

However, he noted, that U.S. officials are paying close attention to online activity.

Ali said it's hard to predict if Russia would take such an action on the West since it would mean an immediate retaliation from countries with their own state-of-the-art tools and tactics.

"The thresholds for those operations being launched, the effects, [and] the duration those are all things would have to be thought through very carefully," Ali said. "But U.S. Cyber Command is the lead for military operations from the United States, has a world-class capability."

The Department of Homeland Security, the agency tasked with the domestic response to the invasion in Ukraine, has set up a page on the Cybersecurity and Infrastructure Security Agency’s website specifically warning of cyber-attacks emanating from Russia.

Earlier this week, the U.S. Cybersecurity & Infrastructure Security Agency sent an advisory to businesses and organizations urging them to enact a "shields up" guidance.

"While there are not currently any specific credible threats to the U.S. homeland, we are mindful of the potential for the Russian government to consider escalating its destabilizing actions in ways that may impact others outside of Ukraine," the agency said in its letter.

The federal government has called on businesses to make sure their information technology teams update their computer software to close any vulnerabilities and train their employees to watch out for any malware.

Madnick said the preparedness of such attacks varies by sector and their experience as cyberattack victims.

"Organizations like banks that have been targeted for a long time have done a better job in shoring up their cybersecurity," he said. "Others, like hospitals and smaller municipalities that haven’t been attacked in the past tend not to do well."

Madnick said when it comes to individual Americans, there is very little they could do to prevent an indirect attack on the country's infrastructure systems, but they should always prepare for the possibility. He likened it to preparing for a big storm and suggested that individuals who are concerned about their money should always have cash available for emergencies.

Madnick also urged people to back up their important computer files, including bank statements, important e-mails and other documents frequently and to offline sources such as an external drive.

"Everyone should be doing this regardless of increasing cyber threats," he said.

Madnick said cyber attackers linked to foreign agencies wouldn't likely conduct attacks that target individual Americans, but people should still be mindful of the vulnerabilities in their tech. Having updated anti-virus and malware software, staying on top of computer updates and avoiding any suspicious links and e-mails, go a long way he said.

"Cyberattacks and cyber security are not something we talk about a lot, but we need to," he said. "This is not a brand new issue."

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Cyberattacks reported at US airports

October 10, 2022, 8:54 PM

Some of the nation's largest airports have been targeted for cyberattacks Monday by an attacker within the Russian Federation, a senior official briefed on the situation confirmed to ABC News.

Importantly, the systems targeted do not handle air traffic control, internal airline communications and coordination or transportation security.

"It's an inconvenience," the source said. The attacks have resulted in targeted "denial of public access" to public-facing web domains that report airport wait times and congestion.

Over a dozen airport websites were impacted by the "denial of service" attack, John Hultquist, head of intelligence analysis at cybersecurity firm Mandiant, told ABC News. That type of attack essentially overloads sites by jamming them with artificial users.

"Killnet," a pro-Russian hacker group, is believed to be behind the attack, according to Hultquist. While similar groups have been found to be fronts for state-backed actors, Hultquist said there is no evidence the Russian government was involved in directing this attack.

The attacks were first reported around 3 a.m. ET when the Port Authority notified the Cybersecurity and Infrastructure Security Agency that the LaGuardia Airport system had been hit. LaGuardia has been restored, but other airports around the country have subsequently been targeted.

The FBI and Cybersecurity and Infrastructure Security Agency, part of the Department of Homeland Security, each said they were aware of the attacks.

The websites for Des Moines International Airport, Los Angeles International Airport (LAX) and Chicago O'Hare International Airport appeared impacted Monday morning.

Later Monday, Denver International Airport, the third busiest airport in the country, was attacked and continues to be attacked, according to an airport spokesperson.

"Similar to many other U.S. airports, DEN’s website has been targeted," the spokesperson told ABC News. "The attacks began around 11 a.m. this morning and they continue. The attackers are attempting to overwhelm our website so that it becomes unavailable to the public."

"At this time, the attacks have not been impactful, though we are closely monitoring these attacks and any others. We are also sharing information on these attacks with TSA, CISA and other airports," the spokesperson added.

Hartsfield-Jackson Atlanta International Airport reported around 10:30 a.m. ET that its site is back up and running and that "at no time were operations at the airport impacted."

"Early this morning, the FlyLAX.com website was partially disrupted," LAX said in a statement to ABC News. "The service interruption was limited to portions of the public facing FlyLAX.com website only. No internal airport systems were compromised and there were no operational disruptions."

LAX said its website was back up and running a little before 1 p.m. ET.

The group "Killnet" has been active since the beginning of the war in Ukraine, targeting Ukrainian allies and recently claiming credit for taking down government websites in the U.S. They operate internationally and have been known to carry out attacks across Europe, according to cybersecurity experts.

Engineers and programmers are actively working to close backdoors that allowed the attacks and shoring up more critical computer infrastructure.

Jamming attacks like the one seen Monday morning are highly visible but largely superficial and often temporary, Hultquist said.

"We are pretty clear it's a Russian cyber group that claimed responsibility," Sen. Chuck Schumer, D-N.Y., said Monday, going on to connect the attacks to the Ukrainian bombing of a bridge in Crimea over the weekend. "We are asking our authorities to confirm who did it and then take the appropriate strong action so the Russians know they cannot get away with this. Putin has a lot of nerve, after his brutal vicious war against the Ukrainian people, to now say he has the right to retaliate because they protected themselves with a bridge is outrageous."

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The future of Crypto x AI is about to go crazy.

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👀BlackRock Director of Digital Assets at @Ripple SWELL. Just saying.

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🚨 Hedera $HBAR , $XDC Network, and $QNT have been chosen by SWIFT to join this year's Sibos 2025 as discovered exhibitors. Seems SWIFT chose these tokens, which are all DLTs, were chosen specifically for the event, signifying key institutional interest in these ecosystems. This is very good news.

Op: Realallincrypto

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Welcome back to The Epicenter, where crypto chaos meets corporate cringe.

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That honor goes to the startup Astronomer, whose CEO’s cheating scandal broke the web in a glorious meme-fueled media frenzy. The company’s damage control? Hiring Gwyneth Paltrow as a “temporary spokesperson.” Do we think they’re grasping at straws or setting a new standard for PR?

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From meme-fueled PR stunts to Bitcoin-backed money-market funds, this week reminded us that markets move fast—and headlines move faster. With Wall Street automating itself, fintechs beefing with banks, and even your smartphone becoming a miner, anything is possible. Stay curious, stay cynical, and as always—stay sharp and stay liquid. We’ll see you back here in two weeks.

— The Epicenter, powered by Pyth Network

 

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4 Fintech Companies 💸& Things To Know About 🤔

The fintech revolution is reshaping the way we manage, invest, and move money, breaking down traditional barriers and empowering individuals worldwide. As financial technology continues to evolve at a rapid pace, a select group of innovative companies are leading the charge by offering groundbreaking solutions that redefine banking, payments, and digital assets. Whether you’re a savvy investor, an industry professional, or simply curious about the future of finance, discovering these trailblazing fintech companies is essential to understanding today’s dynamic financial landscape.

 

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4. NeoTax - Automated Tax R&D Credits

NeoTax allows companies to connect their engineering tools to calculate available tax advantages automatically. Once calculated, the tax fillings are clearly labeled with supporting evidence for the IRS.

👉 AWS and GCP log files and data are a goldmine. Last week, I covered Bilanc, which uses log files to figure out per-account unit economics. Now, we calculate R&D tax credits. The unlock here is LLM's ability to understand unstructured data. The hard part is understanding the moat, but time will tell.

In an era where technology and finance are increasingly intertwined, these four fintech companies stand out as catalysts for positive change. By driving progress in digital payments, asset management, lending, and decentralized finance, they are not only making financial services more accessible and efficient—they are also paving the way for a more inclusive and empowered global economy. Staying informed about their innovations can help you seize new opportunities and take part in the future of finance.

 

👀Things to know 👀

 

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Adyen reported 22% revenue growth and an EBITDA margin of 46% for the full year. Adyen's total revenues were $1.75bn for the full year. The margin was down from 55% the previous year, impacted by hiring ahead of growth.

🤔 PayPal’s Braintree (unbranded) is losing market share in the US, while Adyen is winning it. eCommerce is growing ~9 to 10% YoY, and PayPal’s transaction revenue grew by 6.7%. The higher interest rate environment meant interest on balances dragged up the total revenue figure. Their core business is losing market share. Adyen is outgrowing the market by ~12%.

🤔 The PayPal button (branded) is losing to SHOP Pay and Apple Pay. The branded experience from Apple and Shopify is delightful for users; it’s fast and helps with small details like delivery tracking. That experience translates to higher conversion (and more revenue) for merchants.

🤔 The lack of a single global platform hurts PayPal, but it helps Adyen. In the earnings call, the new CEO admitted their mix of platforms like Venmo, PayPal, and Braintree are holding them back. They aim to combine and simplify, but that’s easier said than done.

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🤔 The "risk-based approach" has been arbitraged. A UK company with relatively low annual revenue would look "low risk" at onboarding. One business the FT covered looked like a small company at a residential address to compliance staff. They'd likely apply branch-level controls instead of the enterprise-grade controls you'd see for a large corporation. 

🤔 Hiring more staff won't fix this problem; it's a mindset and technology challenge. In theory, all of the skill and technology that exists to manage risks with large corporate customers (in the transaction banking divisions) are available to the other parts of a bank. In practice, they're not. Most banks lack a single data set and the ability for compliance officers in one team to see data from another part of the org. Getting the basics right with data and tooling is incredibly hard and will involve a multi-year effort. 

🤔 These things are rarely the failure of an individual or department; the issue is systemic. While two banks are named in this headline, the issue is everywhere. Banks need more data and better data to train better AI and machine learning. That all needs to happen in real-time as a compliment to the human staff. Throwing bodies at this won't solve the visibility issue teams have.

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What is XAH and Xahau?

If you're new to XRP, you may have noticed some of us discussing another network named 'Xahau'.

It's Like XRP ... But Different

The Xahau network was created in 2023, and its starting point was the open-source code for the XRP Ledger. A small team of researchers and entrepreneurs decided to add smart contracts to the network code.


The XRP Ledger has no smart contract capabilities, by default.

To integrate smart contracts, the team decided to use an architecture that includes 'WASM' or 'web assembly' code. Each account can have up to 10 'hooks' installed that are triggered for transactions that match specific criteria. They can run before or after a transaction is processed. This enables a variety of use cases that do not involve the need to change the network's core code.

Hooks

A 'hook' is what is known as a smart contract that can be triggered in relation to a specific account and its transactions.

The term arises from the programming world, where it generally means "code that runs based on triggering conditions." In Xahau's case, it indicates code that is run before, or after, a transaction is processed.
 
Each hook must be installed on a specific account by the party that controls the account - i.e., the secret key holder.
 
What Can XAH Do That XRP Cannot?
 
The primary benefit from the use of hooks, is that the core network code does not need to be changed every time a new use case is identified. This means that additional use cases can be addressed immediately, with no requirement for intervening steps, such as:
  • Community review
  • Community approval
  • Amendment voting
All of those steps are eliminated with the use of hooks; new use cases can be addressed as fast as the code can be developed.
 
To read more about how hooks enables Xahau to handle more use cases than even the XRPL, you can read this article:
 
Key Differences From XRP
 
Other unique differences from the XRP Ledger include:
  • Much smaller supply ~612 million coins vs. 100 billion coins
  • XAH hodlers are rewarded at 4% of their account balance. There are no rewards for XRP.
  • Governance participants are incentivized
  • Payment channels available for user-created tokens (IOUs)
  • URI tokens instead of NFT tokens
Who's Who of Xahau?
 
The list of those that are either founders, or closely associated with the founding organizations, is extensive. Here are the names of three organizations mentioned in the whitepaper, or their current moniker:
  • Xaman (a.k.a. XRPL Labs)
  • Gatehub
  • InFTF (Inclusive Financial Technology Foundation)
There exists a long list of impressive developers, architects, and technologists among the Xahau inner circle. But the three names that people associate most prominently with the leadership of the Xahau network are Wietse Wind, Richard Holland, and Denis Angell. The links to their 'X' accounts are:
 
Friend Or Foe?
 
This topic is one of the most contentious.
 
While Ripple, the company with the largest stake of XRP, showed interest in hooks early on, they ultimately decided to advocate for a different approach; the use of an EVM-based solution (Ethereum Virtual Machine) to handle smart contracts on the XRP Ledger. This decision was met with consternation by the Xaman team that had worked with them for several years to advocate for the use of hooks.
 
You can read more about the 'business politics' part of this topic here:
 
So how do Xahau fans view the relationship between XRP and XAH?
 
The Xahau team - and many of its community members - advocate for the use of a 'dual-chain' solution to implement smart contracts. This can be accomplished by the use of 'listener' software, along with native Xahau hooks.
 
A proof of concept, developed by Denis Angell, has demonstrated that bi-lateral communication can work with a simple approach.
 
From an economic standpoint, every chain that has its own digital asset is a competitor; but the simple way to think about Xahau, is that a 'bunch of XRP geeks' decided to implement smart contracts on their own version of the XRP Ledger.
 
The team emphasized transparency along the way, and initially received support from the primary XRP stakeholder, Ripple. They published Xahau as open-source code that could, in theory, be back-engineered and integrated with the XRP Ledger. You can clearly observe the team's idealistic mindset in early marketing mistakes, where they named their digital asset 'XRP Plus' in an effort to emphasize the way that they viewed their creation. While this resulted in confusion - and even suspicion - in its early days, the team quickly pivoted, and named their digital asset 'XAH', which became its ticker symbol.
 
Synergy effects between the two camps speak to a genuine camaraderie, with many Xahau developers being open and willing to help with changes to the core XRP Ledger protocol. You can find many examples of this open dialogue on the 'X' platform.
 
How To Purchase XAH
 
If you wish to speculate by buying XAH directly, it is available in a variety of convenient locations, depending on where you are located. If you're in a country that is supported by Bitrue, you can directly purchase or trade XAH by using that exchange.
 
On January 20th, 2025, Bitmart announced that it supports trading of XAH for customers in their list of supported countries; And in late March, another major exchange announced that they would be supporting XAH trading pairs: Coinex.
 
If you're located in the United States, you can purchase XAH directly from a vendor known as 'C14'. The xApp for C14 is located in the Xaman wallet.
 
XRP Ledger geeks can also purchase XAH IOUs on the XRPL Dex and then convert them to 'real' XAH using a Gatehub bridge. This is available in countries that Gatehub supports.
 
Which XAH Accounts Should I Follow?
 
On the 'X' platform, there exists two major community groups for XAH fans:
In addition to the Xahau notables I've already mentioned in this article, my advice is to take a look at who is posting in the above two communities. There are many impressive leaders and entrepreneurs included. You should be able to find multiple 'X' accounts that reflect your interests.
 
Xahau Development Roadmap
 
Xahau leaders have published a roadmap for 2025 that lists their various goals for the ecosystem:
 
To read a detailed explanation for each item, refer to this: Xahau Roadmap Super Thread
 
One of the most incredible waypoints listed is 'JavaScript Hooks Implementation.' 🤯
JavaScript!
 
With the 'JavaScript Hooks Implementation', Xahau is making history; it will enable anybody that knows JavaScript to easily create and install a smart contract. While networks like Ethereum are impressive early movers, they require developers to learn a new language and syntax.
 
Xahau will soon open 'crypto smart contracts' to a group of developers that number in the tens of millions.
 
Project L-10K
 
Project L-10K is one of the most important items in the pipeline. L-10K refers to the effort to boost the throughput of Xahau consensus to over 10,000 transactions per ledger! This will benefit hosted projects such as Evernode, and future issued assets. Heading up the effort is Richard Holland, who provided a progress update to the community in late May of 2025:
 
To learn more about this ambitious effort, you can watch his full presentation here:
The Future Of Defi And Payments
 
Once you've seen the extensive list of use cases that XAH easily handles, it's truly inspiring. Xahau is everything that you love about XRP, plus a long list of more things to love. ❤️
 
Be an early adopter of XAH and the Xahau network! Join the community groups listed and follow the accounts that seem to reflect your own interest - speculator, developer, or crypto fan. You have a place in our community, no matter what your background or interests are. Welcome to the future of crypto Defi and Payments
 
Sources:
 
 
NOTE: Payment channels for IOUs is currently in amendment status for the XRP Ledger, authored by Denis Angel here:
 
 

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